[영문] 정부 체크카드 정책이 한국 경제에 미치는 영향 [ Korean Government’s Changing Card Policy]

소개글

성대 거시경제학 수업의 보고서로 제출한 과제입니다. 지난 20년간 한국정부의 체크,신용카드 정책이 한국경제에 어떠한 영향을 미쳤는지 살펴보고 IS-LM 모델로 이를 간략하게 분석해본 글입니다.

목차

1. Preface
2. Government’s check card policies since 1999 to the present
3. Three effects from government card policy
4. IS-LM Model approach to three of the effects
5. Conclusion

본문내용

1. Preface

After experiencing devastating credit card crisis in mid 2000s which resulted in default of thousands of credit card holders and closure of credit card companies, Korean government has favored use of check card over credit cards. The government has the faith that check cards promote more sound and stable behavior from consumers. Ever since, the government has tried to encourage use of check card by implementing series of policies that benefit check card holders.
The focus of the policies strongly persists even today. Just few months ago, Financial Services Commission announced new policy highlighting increase in maximum payment limit of check cards to 600 million won, and decrease tax deduction benefit for credit cards . Check card favoring tendency of government policy will be likely to remain in the future.
Thus, it is important to find out how these government policies will affect Korean economy in the short-run as well as long-run. As we will find out, these policies will have strong impact on consumption expenditure, household debt and tax revenue.

참고 자료

FSC, Payment & Settlement newsletter, 2013/09
KIPF, “Path of tax Policy for Promoting Tax Payment”, 2012
Kim, Sang Hun, BOK Issue Paper Series, 2013/11/26