KOREA INSTITUTE OF FINANCE, Seoul, Korea Director, February 2023 ~ Present Financial Innovation Research Division
KOREA INSTITUTE OF FINANCE, Seoul, Korea Senior Research Fellow, July 2006 ~ Present
Hyundai Card Co., Seoul, Korea Chair of the Nomination Committee, April 2025 ~ Present Board of Directors
FINANCIAL SERVICES COMMISSION, Seoul, Korea Task Force Member, August 2024 ~ Present Policy Enhancements regarding TMON and WeMakePrice Task Force
FINANCIAL SERVICES COMMISSION, Seoul, Korea Task Force Member, April 2024 ~ Present Gen AI Task Force
FINANCIAL SERVICES COMMISSION, Seoul, Korea Task Force Member, January 2024 ~ April 2024 MyData(Open Finance)2.0 Task Force
NATIONAL INFORMATION SOCIETY AGENCY(NIA), Seoul, Korea Council Member, December 2023 ~ Present Advisory Council
FINANCIAL SERVICES COMMISSION, Seoul, Korea Private Sector Commissioner, October 2023 ~ Present Active Administration Committee
HANA BANK, Seoul, Korea Council Member, June 2023 ~ Present Managerial Council
FINANCIAL SECURITY INSTITUTE, Yongin, Korea Council Member, April 2023 ~ Present Financial Security Advisory Council
FINTECH CENTER KOREA, Seoul, Korea Council Member, April 2023 ~ Present Fintech Mentoring Support Council
FINANCIAL SERVICES COMMISSION, Seoul, Korea Council Member, March 2023 ~ Present Financial Regulatory Innovation Council
FINANCIAL SERVICES COMMISSION, Seoul, Korea Task Force Member, February 2023 ~ March 2023 Financial Security Task Force
FINANCIAL SERVICES COMMISSION, Seoul, Korea Task Force Member, January 2023 ~ February 2023 P2P Lending Task Force
FINANCIAL SUPERVISORY SERVICE, Seoul, Korea Ombudsman, September 2022 ~ August 2024 Financial Regulation Deliberation Council
KOREA INCLUSIVE FINANCE AGENCY, Seoul, Korea Commissioner, October 2020 ~ August 2024 Outcome Evaluation Commission
NATIONAL PENSION SERVICES, Junjoo, Korea Committee Member, April 2020 ~ Present Alternative Investment Committee
WOOJIN INC, Hwasung, Korea Outside Director, March 2020 ~ Present Board of Directors
KOREA CREDIT GUARANTEE FUND, Seoul, Korea Committee Member, March 2019 ~ February 2022 Risk Management Committee
KOREA INSTITUTE OF FINANCE, Seoul, Korea Director, August 2020 ~ April 2021 Banking and Insurance Industry Division II
KOREA FINANCIAL TELECOMMUNICATIONS AND CLEARINGS INSTITUTE, Seoul, Korea Committee Member, January 2020 ~ December 2020 Executive Committee
KOREAN ACADEMIC SOCIETY OF FINANCIAL PLANNING, Seoul, Korea Outside Director, January 2020 ~ December 2020 Board of Directors
KOREA INSTITUTE OF FINANCE, Seoul, Korea Director, April 2019 ~ July 2020 ASEAN Financial Research Center
FINANCIAL SERVICES COMMISSION, Seoul, Korea Council Member, April 2019 ~ March 2021 Financial Regulation Deliberation Council
KIF (KOREA INSTITUTE OF FINANCE), Seoul, Korea Director, November 2018 ~ March 2019 Household Debt Research Center
FINANCIAL SUPERVISORY SERVICE, Seoul, Korea Commissioner, April 2018 ~ March 2020 Administrative Guidance Commission
KOREA INCLUSIVE FINANCE AGENCY, Seoul, Korea Commissioner, April 2018 ~ April 2020 Planning Commission
FINANCIAL SUPERVISORY SERVICE, Seoul, Korea Commissioner, January 2017 ~ November 2017 RAAS(Risk Assessment and Application System) Commission
FINANCIAL SUPERVISORY SERVICE, Seoul, Korea Project Leader, May 2016 ~ March 2017 Task Force on the Impact of the 4th Industrial Revolution
FINANCIAL SUPERVISORY SERVICE, Seoul, Korea Senior Advisor to the Governor, January 2016 ~ November 2017
FINANCIAL SERVICES COMMISSION, Seoul, Korea Council Member, November 2015 Expert Council on the Licensing of Internet Primary Banks
FINANCIAL SERVICES COMMISSION, Seoul, Korea Council Member, January 2015 ~ December 2015 Expert Council on Self Evaluation
KOREA FEDERATION OF BANKS, Seoul, Korea Council Member, September 2014 ~ September 2020 Standards Council
MITSUI FINANCIAL RESEARCH CENTER, Ann Arbor, Michigan, USA Research Assistant, May 2002 ~ August 2002 EMDS (Emerging Market Data Source) Project
UNIVERSITY OF MICHIGAN, Ann Arbor, Michigan, USA Graduate Student Instructor, September 2001 ~ September 2005 Department of Economics
KATUSA (KOREAN AUGMENTATION TO US ARMY), Seoul, Korea Sergeant, September 1994 ~ November 1996 121 General Hospital, Camp Yongsan
RESEARCH
<REGULATORY APPOACHES TO DIGITAL FINANCIAL SERVICES> KIF Issue Report, No. 2025-02, April 2025
<CHALLENGES FOR KOREAN FINANCIAL COMPANIES IN THE ERA OF FINANCIAL MYDATA 2.0> KIF Isuue Report, No. 2024-03, December 2024
<RESEARCH ON OPEN FINANCE AND BILLING MODELS> Research Report, Korea Credit Information Services, December 2023
<ANALYSIS OF THE P2P LENDING INDUSTRY IN KOREA AND POLICY RESPONSE STRATEGIES> Research Report, Financial Services Commission, December 2023
<THE ISSUES SURROUNDING DIGITAL FINANCIAL CONSUMER PROTECTION AND THE TASKS AHEAD> KIF Policy Paper, No. 2023-07, December 2023
<2021 BANKING INDUSTRY OUTLOOK IN KOREA> KIF VIP Report, No. 2021-04, March 2021
<A STUDY ON HOW TO PREVENT ELDER FINANCIAL ABUSE> Research Report, Financial Services Commission, January 2021
<A STUDY ON THE DEVELOPMENT OF P2P LENDING IN KOREA> Research Report, Korea P2P Finance Association, December 2020
<IS BANK STILL SPECIAL?: SPREAD OF DIGITAL BANKING AND BANK’S RESPONSE> KIF VIP Report, No. 2020-15, November 2020
<POPULATION AGING AND LIVING TRUST IN KOREA> Research Report, Korea Development Bank, August 2020
<ANALYSIS OF BANKING GROUPS’ PRICE TO BOOK RATIO IN OECD COUNTRIES> KIF Research Report, No. 2020-05, August 2020
<A STUDY ON THE DEVELOPMENT OF KOREA-ASEAN FINANCIAL COOPERATION PROJECTS AND ESTABLISHMENT OF A FINANCIAL COOPERATION CENTER> Research Report, National Research Council for Economics, Humanities and Social Sciences, December 2019
<A STUDY ON THE EFFECT OF KEY INFORMATION DOCUMENT: BEHAVIORAL APPROACH> KIF Research Report, No. 2019-03, November 2019
<MODIFICATION OF RISK-BASED DEPOSIT INSURANCE PREMIUM MODEL IN KOREA> Research Report, Korea Deposit Insurance Corporation, October 2019
<CRISIS MANAGEMENT STRATEGY FOR HOUSEHOLD DEBT> Research Report, Financial Supervisory Service, December 2018
<POLICY AGENDA FOR TRADE CREDIT INSURANCE IN KOREA> Research Report, Korea Credit Guarantee Fund, December 2018
<NEW SOUTHERN POLICY AND KOREAN BANKS’ EXPANSION INTO ASEAN COUNTRIES> KIF VIP Report, NO. 2018-05, October 2018
<EVALUATION OF FINANCIAL COMPANIES’ CONTRIBUTION TO JOB CREATION> Research Report, Financial Services Commission, August 2018
<CASE STUDY OF DIGITAL BANKS AND POLICY IMPLICATIONS> KIF Financial Report, NO. 2016-01, October 2016
<POLICY AGENDA FOR P2P LENDING IN KOREA> Research Report, Financial Services Commission, December 2015
<LIBERALIZATION TASKS OF KOREAN BANKING INDUSTRY> Research Report, Financial Supervisory Service, October 2015
<INTERNATIONALIZATION STRATEGY OF KOREAN FINANCIAL COMPANIES> Research Report, Center for International Financial Cooperation, March 2015
<CHANNEL AND BRANCH STRATEGY OF KOREAN BANKS> Research Report, Financial Services Commission, October 2014
<DETERMINANT ANALYSIS OF BANKS’ PROVISION FOR BAD DEBTS IN KOREA> KIF Research Report, No. 2014-03, KIF, September 2014
<REGULATION IMPROVEMENT OF ADVERTISEMENT IN FINANCIAL INDUSTRY> Research Report, Financial Services Commission, July 2014
<ANALYSIS OF MONEY-MOVE AMONG FINANCIAL SECTORS IN KOREA> (CO-AUTHOR) KIF Research Report, No. 2013-06, KIF, December 2013
<GROWTH AND DEVELOPMENT OF KOREA TECHNOLOGY FINANCE CORPORATION> Research Report, Financial Services Commission, September 2013
<WHITE PAPER ON HOUSEHOLD DEBT> (CO-AUTHOR) KIF Financial Report, No. 2013-01, KIF, March 2013
<REFORM AGENDA FOR SUPERVISING MONEY LENDING BUSINESS> (CO-AUTHOR) Research Report, Financial Services Commission, November 2012
<DOMESTIC FINANCIAL INSTITUTIONS’ LOCALIZATION STRATEGY IN SOUTHEAST ASIA> (CO-AUTHOR) Research Report, Financial Hub Korea, August 2012
<DETERMINANTS OF BANKS’ CDS SPREADS AND POLICY IMPLICATIONS> (CO-AUTHOR) Seoul Journal of Economics, Vol. 24, No. 4, Winter 2011
<CASE STUDY ON CROSS-BORDER M&As AND STRATEGIC IMPLICATIONS FOR KOREAN BANKS> KIF Financial Report, No. 2011-10, KIF, December 2011
<ANALYSIS OF COMMERCIAL BANKS’ BUSINESS DIVERSIFICATION EFFECT IN KOREA> (CO-AUTHOR) KIF Research Report, No. 2011-02, KIF, June 2011
<ISSUES INVOLVED IN THE CONDUCTING OF COMMERCIAL BANKING WITH INDUSTRIAL CAPITAL> KIF Financial Report, No. 2011-04, KIF, April 2011
<FOREIGN EXPANSION AGENDAS FOR KOREAN BANKS> KIF Financial Report, No. 2011-02, KIF, February 2011
<POLICY AGENDA FOR IMPROVING SUPERVISION ON DOMESTIC BANKS’ FOREIGN OFFICES> (CO-AUTHOR) Research Report: Financial Supervisory Committee, December 2010
<POLICY IMPLICATIONS OF ADOPTING FINANCIAL REFORM ACT> (CO-AUTHOR) Research Report: Financial Supervisory Committee, December 2010
<EXPLAINING CREDIT DEFAULT SWAP PREMIUM OF LARGE BANKS THROUGH THE GLOBAL FINANCIAL CRISIS> (CO-AUTHOR) KIF Research Report, No. 2010-01, KIF, October 2010
<MAIN CONTENTS AND POLICY IMPLICATIONS OF FINANCIAL REFORM ACT> (CO-AUTHOR) KIF Financial Report, KIF, September 2010
<MANAGERIAL AGENDA FOR CRISIS PREVENTION AND SUSTAINABLE GROWTH OF BANKS> (CO-AUTHOR) Research Report: Woori Financial, August 2010
<FUTURE VISION AND POLICY TASKS FOR KOREA’S FINANCIAL SECTOR> (CO-AUTHOR) KIF Policy Research Paper, No. 2010-03, KIF, April 2010
<IMPROVING ADJUSTABLE RATE MORTGAGE PRICING IN KOREA> (CO-AUTHOR) KIF Policy Research Paper, No. 2010-02, KIF, February 2010
<POST-CRISIS VISION AND POLICY AGENDA FOR KOREAN BANKS> (CO-AUTHOR) Research Report: Financial Supervisory Committee, November 2009
<INTERNATIONAILZATION STRATEGY OF KOREAN FINANCIAL INDUSTRIES: DETERMINANT ANALYSIS AND POLICY IMPLICATIONS> KIF Policy Research Paper, No. 2009-03, KIF, June 2009
<EMPLOYMENT CONSIDERATIONS IN CORPORATE REORGANIZATION> Working Paper, Financial Economic Series No. 2009-01, KIF, March 2009
<LIQUIDITY RISK MANAGEMENT AND SUPERVISION> (CO-AUTHOR) Research Report: Financial Supervisory Service, March 2009
<EVALUATION OF SOCIALIZED LOSS IN THE FINANCIAL INDUSTRY> (CO-AUTHOR) Research Report: Korea Deposit Insurance Corporation, September 2008
<IMPROVING THE INVESTMENT BANKING CAPABILITIES OF LOCAL FINANCIAL COMPANIES> (CO-AUTHOR) KIF Financial Report, KIF, January 2008
<GROWTH STRATEGY OF PUSAN BANK> (CO-AUTHOR) Research Report: Pusan Bank, November 2007
<SYNERGY MAXIMIZATION STRATEGY OF BANKS’ CREDIT CARD BUSINESS> (CO-AUTHOR) Research Report: Korea Federation of Banks, October 2007
<BARGAINING POWER AND DELAY IN BANKRUPTCY NEGOTIATION> Working Paper, Financial Economic Series No. 2006-02, KIF, December 2006
<CONTINUATION BIAS, DELAY, AND CEO TURNOVER IN CORPORATE REORGANIZATION> Thesis, University of Michigan, August 2006
PERIODICALS
DeepSeek and AI Legislation: Impact on Financial Sector, Financial Research Brief 34-3 (February 2025)
Issues and Policy Implications of the TMON and WEMAKEPRICE Incidents, Financial Research Brief 33-17 (August 2024)
Expected Benefits of Financial MyData 2.0 and Challenges for Domestic Banks, Financial Research Brief 33-11 (May 2024)
Issues and Challenges in Protecting Digital Financial Consumers, Financial Research Brief 32-24 (December 2023)
Issues and Challenges in Protecting Financial Consumers in Online Channels, Financial Research Brief 32-21 (November 2023)
Challenges for Effective Digital Transformation of Domestic Financial Companies, Financial Research Brief 32-15 (August 2023)
Expected Benefits and Challenges of Advancing Financial Security Regulations, Financial Research Brief 32-09 (May 2023)
Evaluation and Policy Implications of Shareholder Return Policies of Domestic Financial Holding Companies (Co-author), Financial Research Brief 32-05 (March 2023)
Current Status and Challenges of Cloud Adoption by Domestic Financial Companies, Financial Research Brief 31-26 (December 2022)
Review of the Environment for Introducing Countercyclical Capital Buffers for the Household Sector and Policy Implications, Financial Research Brief 30-09 (May 2021)
The Role and Activation Strategies of Testamentary Trusts in an Aging Society, Financial Research Brief 30-06 (March 2021)
2021 Outlook and Managerial Challenges for the Banking Industry, Financial Research Brief 30-01 (January 2021)
Trends and Policy Implications of Fee Income for Domestic Banks Post-COVID-19, Financial Research Brief 29-21 (November 2020)
Strategies for Utilizing Testamentary Trusts for Stable Corporate Succession, Financial Research Brief 29-17 (September 2020)
Current PBR of Domestic Banking Groups and Policy Implications, KEFR 25-1 (February 2020)
Effects and Policy Implications of Reintroducing Key Household Loan Disclosure Statements, Financial Research Brief 28-23 (December 2019)
Trends and Implications of PBR for Domestic Banks and Financial Holding Companies, Financial Research Brief 28-20 (October 2019)
Amendments to Vietnam’s Securities Law and Policy Implications, Financial Research Brief 28-12 (June 2019)
Review and Policy Implications of Household Debt, Financial Research Brief 28-03 (February 2019)
Effects of Changes in Accounting Standards on Domestic Banks and Policy Implications, Financial Research Brief 27-17 (September 2018)
Risk Characteristics and Regulation of Internet-only Banks, Financial Research Brief 27-16 (August 2018)
Strengthening Reputation Risk Management for Domestic Banks in a Changing Business Environment, Financial Research Brief 27-10 (May 2018)
Consumer Protection Issues in Mobile Phone Insurance, Financial Research Brief 27-06 (March 2018)
Domestic Banks’ Foray into the P2P Lending Market and Potential Benefits, KEFR 21-1 (February 2016)
Key Considerations for the Introduction of Digital Banks in Korea, KEFR 20-4 (November 2015)
Domestic Banks’ Entry into the P2P Lending Market and Implications, Financial Research Brief 24-45 (November 2015)
Tasks for the Soft Landing of Tech-based Financing in Korea, KEFR 20-3 (August 2015)
Expected Benefits and Implications of the Introduction of Internet-only Banks, Financial Research Brief 24-33 (August 2015)
Utilization Strategies of Local Branch Managers in Domestic Banks’ Overseas Branches, Financial Research Brief 24-18 (May 2015)
The Need and Tasks for the Soft Landing of Tech-based Financing, Financial Research Brief 24-17 (May 2015)
Kakao Corp’s Foray into the Mobile Payment Market, KEFR 19-4 (October 2014)
Key Considerations for the Introduction of Non-face-to-face Real-name Authentication, Financial Research Brief 24-03 (January 2015)
Issues and Policy Implications Regarding Multi-functional Branches, Financial Research Brief 23-37 (October 2014)
Conservative Asset Management Practices in Domestic Banks and Improvement Tasks, Financial Research Brief 23-31 (August 2014)
Kakao’s Entry into the Electronic Financial Services Market and Its Implications, Financial Research Brief 23-24 (July 2014)
Issues and Challenges in the Reorganization of Domestic Banks’ Branch Networks, Financial Research Brief 23-10 (March 2014)
The Necessity of Strengthening Qualification Requirements for Lenders and Loan Brokers, Financial Research Brief 21-48 (December 2012)
Issues and Policy Implications of Introducing Sale-and-Leaseback for House Poor, Financial Research Brief 21-38 (October 2012)
Key Features and Domestic Impacts of the U.S. FATCA, Financial Research Brief 21-31 (August 2012)
The Impact of the Volcker Rule on the Domestic Financial Market, Financial Research Brief 21-25 (June 2012)
Possibilities and Limitations of Private Banking in Domestic Banks, Financial Research Brief 21-14 (April 2012)
Trends and Implications of Foreign Bank Branches in Korea, Financial Research Brief 21-12 (March 2012)
Globalization of the Big Four Australian Banks and Its Policy Implications, KEFR 17-1 (January 2012)
Trends in Dividend Policies of Bank Holding Companies and International Comparisons, Financial Research Brief 20-49 (December 2011)
Trends in Domestic Banks’ Profitability and International Comparisons, Financial Research Brief 20-44 (November 2011)
Analysis of the Profit Structure and Cost Efficiency of Large Bank Groups in Major Countries, Financial Research Brief 20-38 (October 2011)
Trends and Prospects of the Interest Rate Spread of Domestic Commercial Banks, Financial Research Brief 20-33 (August 2011)
Comparative Analysis of the Management Performance of Domestic and Foreign Bank Groups and Implications, Financial Research Brief 20-25 (June 2011)