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@article{ART002592779},
author={Sungsoo Ha and Kim Hakkon},
title={The Actual Individual Owner’s effect on Loan Concentration in Corporate-owned Savings Banks: Focusing on Controlled Savings Banks’ Working Experience},
journal={Journal of Insurance and Finance},
issn={2384-3209},
year={2020},
volume={31},
number={2},
pages={3-23},
doi={10.23842/jif.2020.31.2.001}

TY - JOUR
AU - Sungsoo Ha
AU - Kim Hakkon
TI - The Actual Individual Owner’s effect on Loan Concentration in Corporate-owned Savings Banks: Focusing on Controlled Savings Banks’ Working Experience
JO - Journal of Insurance and Finance
PY - 2020
VL - 31
IS - 2
PB - Korea Insurance Research Institute
SP - 3
EP - 23
SN - 2384-3209
AB - This study analyzes the actual individual owner’s effect on loan concentration in corporate-owned savings banks in the case that the owner has working experiences in controlled savings banks. In addition to the owner’s specific work experience, this paper also considers saving banks’ risk management capability as an additional point in this causal relation. Besides, this study confirms the relationship between the largest shareholder type and loan concentration. The empirical results show that corporate-owned savings banks have the negative effects on loan concentration. However, this effect could be reversed if the corporate-owned savings banks’ actual individual owner has working experience in the controlled savings banks. This study also investigates that the negative effects could be alleviated when savings banks have superior risk management capability. The results suggest that the financial supervisory authorities may need to consider the effects of actual individual owner.
KW - Corporate-owned savings banks;Actual individual owner;Controlled savings banks’ working experience;Loan concentration
DO - 10.23842/jif.2020.31.2.001
ER -

Sungsoo Ha and Kim Hakkon. (2020). The Actual Individual Owner’s effect on Loan Concentration in Corporate-owned Savings Banks: Focusing on Controlled Savings Banks’ Working Experience. Journal of Insurance and Finance, 31(2), 3-23.

Sungsoo Ha and Kim Hakkon. 2020, "The Actual Individual Owner’s effect on Loan Concentration in Corporate-owned Savings Banks: Focusing on Controlled Savings Banks’ Working Experience", Journal of Insurance and Finance, vol.31, no.2 pp.3-23. Available from: doi:10.23842/jif.2020.31.2.001

Sungsoo Ha, Kim Hakkon "The Actual Individual Owner’s effect on Loan Concentration in Corporate-owned Savings Banks: Focusing on Controlled Savings Banks’ Working Experience" Journal of Insurance and Finance 31.2 pp.3-23 (2020) : 3.

Sungsoo Ha, Kim Hakkon. The Actual Individual Owner’s effect on Loan Concentration in Corporate-owned Savings Banks: Focusing on Controlled Savings Banks’ Working Experience. 2020; 31(2), 3-23. Available from: doi:10.23842/jif.2020.31.2.001

Sungsoo Ha and Kim Hakkon. "The Actual Individual Owner’s effect on Loan Concentration in Corporate-owned Savings Banks: Focusing on Controlled Savings Banks’ Working Experience" Journal of Insurance and Finance 31, no.2 (2020) : 3-23.doi: 10.23842/jif.2020.31.2.001

Sungsoo Ha; Kim Hakkon. The Actual Individual Owner’s effect on Loan Concentration in Corporate-owned Savings Banks: Focusing on Controlled Savings Banks’ Working Experience. Journal of Insurance and Finance, 31(2), 3-23. doi: 10.23842/jif.2020.31.2.001

Sungsoo Ha; Kim Hakkon. The Actual Individual Owner’s effect on Loan Concentration in Corporate-owned Savings Banks: Focusing on Controlled Savings Banks’ Working Experience. Journal of Insurance and Finance. 2020; 31(2) 3-23. doi: 10.23842/jif.2020.31.2.001

Sungsoo Ha, Kim Hakkon. The Actual Individual Owner’s effect on Loan Concentration in Corporate-owned Savings Banks: Focusing on Controlled Savings Banks’ Working Experience. 2020; 31(2), 3-23. Available from: doi:10.23842/jif.2020.31.2.001

Sungsoo Ha and Kim Hakkon. "The Actual Individual Owner’s effect on Loan Concentration in Corporate-owned Savings Banks: Focusing on Controlled Savings Banks’ Working Experience" Journal of Insurance and Finance 31, no.2 (2020) : 3-23.doi: 10.23842/jif.2020.31.2.001