Innovation in Financial Inclusion Policies with Digital Transformation: Evidence from South Korea

被引：0

作者：

Byun, Kiwoong ^{[1
]}

Hong, Jusung ^{[2
]}

Kim, Baeho ^{[1
,4
]}

Park, Jehyun ^{[3
]}

机构：

[1] Korea Univ Business Sch, Dept Business Adm, Seoul, South Korea

[2] LG CNS, Entrue Consulting, Seoul, South Korea

[3] PwC Consulting, Digital & Analyt Serv, Seoul, South Korea

[4] Korea Univ, Business Sch, Seoul 02841, South Korea

来源：

ASIA-PACIFIC JOURNAL OF FINANCIAL STUDIES | 2024年 / 53卷 / 02期

关键词：

Alternative credit data; Credit analytics innovation; Delinquency prediction; Economic analysis; Financial inclusion; C52; C55; G28; OPERATING CHARACTERISTIC CURVES; PREDICTION; RATIOS; AREAS;

D O I：

10.1111/ajfs.12467

中图分类号：

F8 [财政、金融];

学科分类号：

0202 ;

摘要：

This study aims to provide economic insights to enhance the implementation of financial inclusion policies by advancing credit analytics through financial digital transformation. To this end, we examine whether integrating financial analytics innovation with large-scale financial data can boost the effectiveness of financial inclusion policies and ultimately contribute to better economic outcomes for financially vulnerable individuals. According to our analysis, the government funding program of KRW 200 billion (approximately USD 155 million) can potentially assist an additional 46.56% of financially excluded individuals in South Korea who struggle to obtain loans due to their current credit ratings.

引用

页码：128 / 154

页数：27

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