Korea Institute of Finance

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Current Position

Previous Positions

Research Fellow, Korea Institute of Finance, October 2012-June 2022
Visiting Researcher, Institute of Economic Research, Department of Economics, Seoul National University, August 2019-July 2020
Adjunct Professor, Department of Finance, School of Business, Yonsei University, October 2012- February 2013
Visiting Assistant Professor, Department of Finance, School of Business, Yonsei University, September 2010-September 2012

Government Service

Member, Proactive Governance Committee, Financial Services Commission, April 2021-present
Member, Financial Industry Competition Assessments Committee, Financial Services Commission, November 2020-present
Member, Administrative Guidance Committee, Financial Services Commission, January 2019-present
Member, Social Finance Advisory Committee, Presidential Committee on Jobs, March 2019-February 2021
Member, Financial Supervision Advisory Committee, Financial Supervisory Service, May 2018-March 2021
Member, Market Efficiency Committee, Financial Services Commission, November 2017-October 2019
Member, Financial Reform Advisory Group, Financial Services Commission, March 2015-December 2015

Editorial Service

Awards, Research Grants, Honors, Recognition

President’s Commendation, Korea Institute of Finance, Korea, 2019
Best Paper Award (runner-up) for “Does Credit Rationing Really Exist in Korea? Evidence from the SME Loan Market” (with Hyungjoon Ray Lim), Korean Securities Association, 2017
Prime Minister’s Commendation, Korea, 2016
Faculty Fellowship, Columbia University, 2005-2010
Program for Economic Research, Summer Research Grant, Columbia University, 2009
Tae-Sung Kim Thesis Scholarship, Seoul National University, Korea, 2004
Honor Prize for Academic Excellence, Seoul National University, Korea, 2001-2002

Publications and Other Writings

- Published Paper

“Determinants of Household Debt While Addressing Selection Bias and the Endogeneity Issue”, Journal of Korean Economic Analysis, 2022, 28(1), 179-235.
“To Build a Comprehensive Blockchain Payment-Settlement System for Self-employed Small Businesses” with Ki Beom Binh and Hogyu Jhang, Review of Financial Information Studies, 2020, 9(1), 41-60.
“Patterns of Multiple Borrowing in Korea” with Jung-han Koo and Kyoobok Lee, Journal of Korean Economic Analysis, 2019, 25(1), 137-187.
“Does Credit Rationing Really Exist in Korea? Evidence from the SME Loan Market” with Hyungjoon Ray Lim, Korean Journal of Financial Studies, 2017, 46(3), 723-754.

- Parts of Book (Chapter):

“Regulatory Issues in Internet-only Banks in Korea (in Korean)” in The Age of Fintech (in Korean), edited by Haksoo Ko, Pakyoung, 2015

- Monographs, Reports, and Pamphlets

“Analysis of Problem Credit Card Debt (in Korean)”, KIF Research Paper, Korea Institute of Finance, 2022(expected)
“The Effect of the Lowered Interest Rate Ceiling in the Moneylender Loan Market (in Korean)”, KIF Financial Report, Korea Institute of Finance, 2018
“Determinants of Korean Savings Banks’ Loan Portfolios after Recent Restructuring (in Korean)” with Kyoobok Lee, KIF Research Paper, Korea Institute of Finance, 2017
“Internet Banks: Their Performance and Implications (in Korean)” with Christopher Byungho Suh and Yoonsok Lee, KIF Financial Report, Korea Institute of Finance, 2016
“Tasks to Strengthen Competitiveness of Korean Banking Industry: In Comparison with Top 100 Global Banks (in Korean)” with Woojin Kim, KIF VIP Series, Korea Institute of Finance, 2015

- Working Papers

“Facilitating SME Finance through SME Loan Securitization (in Korean)” (Latest Version: December 2016)
“Did Branching Deregulation, including the Riegle-Neal Act, Improve Bank Performance?” (Latest Version: February 2012)

Teaching

Contact Information

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