<2005 12: ȸ : ȭ >
ĥ 2005 . ִ
ٱ Ȳ켮 ò,
̴. ӿ ȭ 1 ö
ε ļ ٴ 콺 Ҹ Ҿ, ѹα
ŷڶ ϴ°, й 谡 ٴڰ ٸ
ΰ ϴ ڱ ū ƴ .
ǿ ظ ѱ鼭 ǿ ظ ´ غ λ
. ū ´. θ ູ
캸 ʴ.
սǿ Ͽ ״ δ ũ پ
߱ ƴ ̴. 鿡 Ը
پµٰ (net interest income) Բ
̰ ־ ״ ʴ.
Ÿå Ÿ () Ǵ ⿵()
ο Ϳ ã ϳ ƴϴ. ī
, Ź ڻ Ȯ , Ļǰ Ǹ
ǰ , ̵
ŭ â ΰ Ȯ .
忡 Ǵ ⿵̶ Ѷ α⸦ Բ
ڷ Ʈ ִ. κ ڷ
ϴ Բ õ ǰ
غ 忡 ū α⸦ ߴ
. ڷ , ι ȸ簡 ٸ
ٴ , ° ľ߸
ϴ δ ȴ.
Ǵ ⿵ .
, Ź, ڻ, Ļǰ о߿ ̶
Ȯ . ̵ ߸Ǿ ̰ ȸ ü
߸, ̸ ȿ .
Żȭ(dis-intermediation) ȭ(securitization) Ѷ ȭ
() ݵ ũ Ǿٰ ʴ´.
ũ Ǿ ̻
ұϰ , Ÿ ǿ Ѻ
ó ȯ
ϰ Ͽ ̴.
μպ Ը ȿ Ͽ, ȸ
Ǵ ܱ ȸ翡 CEO ϴ° ϸ ƿ ܱ ȱ
Ͽ. 罺 ̻ ö ƴϴ.
忡 Ǿ
. Żȭ ȭ Ѵ ̻ (
) . ־
ٸ ȯ 忡 ӵ (flight to quality)
̾. 忡 ϰ ϴ ֱ
Ľ ȰȲ ǹ α Ҿ ȭ δ.
̿ Ͽ ֱ ǥ ѱ ȸ(Ī)
ȹ () ϴ ˹(triggering)
̴.
밡 ִ ̹Ƿ, ̻
ȸ糪 簡 մ Ѵٴ Ѵ.
(sun) и ƴϴ. ϴ
и ̸.
Ȯ ̴. ū ΰġ â
ִ. ڴ ߰(brokerage) ߽ κ ȸ
μպ ߰
ȸ еǾ źؾ Ѵٰ Ѵ. ȸ ̷
ʴ´ٸ ȭ Ʋ
̸, ġ ѵ
. ΰ 缺ȭ ۼ Ȱ¦ ־µ ұ
ϰ, Ѵٸ ȸ鿡 ã ƴ.
ݴ ȸ 뿡 Ͽ(!) Ѵٸ ̴
ū ̴.
ȸ ǿ ־ õ(?) ´
ũ(assure-bank) ̴. ž ſ븮ũ δ
ʴ οũ Ư ȸ ¼ ٸ
Ȯϴµ иϴ.
⿵ ġ µ ȸ翡 մ å
ũ ־ Ѵٴ Ҹ ں
踦 ٴ еǾ а
ɼ ǹ Ǵ Ȳ̴. ٰ Ͽ ٸ ǿ
κ 忡 ũ δ ʴ´. (actuarial
science) ٸ ǿ , ܽð ϱ
ġ ̱ ̴. ٸ ǿ
ĵ ħ ʴ '(island)'
ѵ ɼ ũ.
, , ǿ ߽
߽ ϰ ȭϴµ ϰ ϴ ̴.
߽ () ڵ 忡 ȿ ڰ
(efficient frontier) Ȯ, , ־ ũ
ȿ â, ݸ鿡 ȸ 忡 Ѱ
ȴ. ̶ ȸ پ Ǵ ⿵ϴ
Ϲ ŷ ΰ, ƴϸ Ưȭ
ϴ () ΰ 濡 ϰ ȴ.
̷ ȭ ̿ ִ. ֱ
ū Ư¡ ϳ ۰ 緡 ؽ ó
ȭ ȣȲ ٴ ̴. Һ 忡
ȯ濡 پ ǰ ִٴ ũ
̴. ̶ ȭ 緡 ġ ο
ӿ پ Ȯϸ鼭
ϰ ִٴ ̴.
忡 緡̳ ۰Կ ߵǴ ȸ
ϱ ̴. ̵ ؾ Ѵٰ
Ҹ Ŀٶ 帧 ̸ ϰ ᱹ ȭ
̴. ȸ ȭ
, ̳ 濡 ̴.
ǰ , , 漺 Ȯ ȸ
Ǹ, , ⿵ ߽ ȭ ü, Ż
ǰ, ڻ, Ļǰ ũ ְų ȸ
ó ̹ Ȯ ȸ Ƿ ȭ
ũ.
ָ ȿ ƹ͵ , ָ ȿ
ִ١ ȭ ȣ(ף) ̴.
ȸ ĥ η ִ ̸, ̸
Ӱ ο ȸ ̵ ٸ ?
2006 츮 ־ ٸ () ϱ ̴.
츮 ΰ ᰥ ڸ ñ ص
̷ Ѵ.
()
ó : http://home.ewha.ac.kr/~jhkim/
..^^;
ִ١ ȭ ȣ(ף) ̴.
ȸ ĥ η ִ ̸, ̸
Ӱ ο ȸ ̵ ٸ ?
---------
.. ̳.
ʹ ī ٽ ۰ϴ.
http://cafe.naver.com/junspeaking