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Determinants of FinTech Credit Expansion : 핀테크 신용 팽창 결정요인

DC Field Value Language
dc.contributor.advisor권일웅-
dc.contributor.author김윤희-
dc.date.accessioned2018-12-03T01:39:57Z-
dc.date.available2018-12-03T01:39:57Z-
dc.date.issued2018-08-
dc.identifier.other000000152096-
dc.identifier.urihttps://hdl.handle.net/10371/143756-
dc.description학위논문 (석사)-- 서울대학교 대학원 : 행정대학원 글로벌행정전공, 2018. 8. 권일웅.-
dc.description.abstractThe objective of this study is to identify key determinants of FinTech credit

expansion at the country level. Considering the data limitation on FinTech credit

markets around the world, this study conducted in-depth exploratory research as

well as empirical analyses. In a sample of 13 countries, OLS regression results

confirm that there are four significant determinants. While the population sizes

and the proportions of the younger cohorts are positive determinants, the levels

of financial inclusion and administrative costs of business start-up procedures

adversely affect FinTech credit expansion. Nonetheless, the regression results

generally do not support a negative association between the levels of bank net

interest margin (NIM) and FinTech credit expansion, indicating that the

retrenchment of incumbent banks from certain market segments does not lower

market entry barriers for FinTech credit platforms.		-
dc.description.tableofcontents1. INTRODUCTION ..................................................................................... 1

2. LITERATURE REVIEW .......................................................................... 5

2.1 Theoretical Explanations ................................................................... 5

2.2 Empirical Findings ............................................................................ 6

3. HYPOTHESES ........................................................................................ 12

4. DATA AND METHODS ........................................................................ 22

4.1 Data Collection ................................................................................ 22

4.2 Variable Measurement .................................................................... 26

5. RESULTS AND DISCUSSIONS ............................................................ 30

5.1 Population and FinTech credit ........................................................ 30

5.2 Younger cohorts and FinTech credit ............................................... 32

5.3 Financial inclusion and FinTech credit ........................................... 33

5.4 Bank net interest margin and FinTech credit .................................. 34

5.5 Cost of business registration and FinTech credit ............................ 35

5.6 Robustness Test ............................................................................... 35

6. CONCLUSIONS AND IMPLICATIONS............................................... 38

6.1 Conclusions ..................................................................................... 38

6.2 Policy Implications .......................................................................... 40

REFERENCES ................................................................................................ 45		-
dc.formatapplication/pdf-
dc.format.mediumapplication/pdf-
dc.language.isoen-
dc.publisher서울대학교 대학원-
dc.subject.ddc351-
dc.titleDeterminants of FinTech Credit Expansion-
dc.title.alternative핀테크 신용 팽창 결정요인-
dc.typeThesis-
dc.description.degreeMaster-
dc.contributor.affiliation행정대학원 글로벌행정전공-
dc.date.awarded2018-08-
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