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- W2269796667 abstract "For some time, the Bank of Korea has sought to obtain micro data that can help us to analyze our household debt situation and to assess the financial soundness of households more accurately. This type of data, Consumer Credit Data, has been gathered by credit information registries (or credit reporting companies) primarily to assist creditors in evaluating the credit quality of current and prospective customers. Using this consumer credit data in cooperation with one of Korean Credit Bureaus, the Bank of Korea is constructing a new longitudinal databases that tracks consumers’ access and use of credit at a quarterly frequency from 1Q 2009 to present. Now our pending task is to constitute a nationally representative random sample of individual consumers in any given quarter. With these processes completed successfully, the Bank of Korea will obtain more detailed and timely information on the debt status, loan payment behavior, and overall credit quality of Korea consumers. Such information will facilitate our analysis of macroeconomic conditions, improve its understanding of the way credit is provided to consumers, and enhance the bank's monitoring function of financial stability." @default.
- W2269796667 created "2016-06-24" @default.
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- W2269796667 date "2015-01-01" @default.
- W2269796667 modified "2023-09-27" @default.
- W2269796667 title "Use of consumer credit data for statistical purposes: Korean experience" @default.
- W2269796667 hasPublicationYear "2015" @default.
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