value risk)으로 분류할 수 있으며, 본 논문에서는 향후 재정수지에 보다 직접적인 영향을 미칠 수 있는 부채비용위험을 주 분석 대상으로 다루었다. 보다 구체적으로 현 국가 대외부채구조가 함축하고 있는 부채비용과 위험간의 상충관계를 실증적으로 도출ㆍ분석함으로써 국가부채관리의 핵심요소, 즉
LoanToValue]
* 주택담보대출비율. 담보가치 대비 대출비율. 은행이나 보험사에서 주택을 담보로 대출해 줄 때 적용하는 담보가치(주택가격) 대비 최대 대출 가능한도를 의미
* 부동산거래에 미치는 영향은 DTI가 더욱 직접적, LTV 제도상으로는 문제없이 대출을 받을 수 있는 경우에도 DTI 제도에 걸려 대
are in Africa or Eastern Europe. Because there were many wars and their financial conditions are rather unstable. For solving these problems, there are some organizations and methods.
V. Solutions
1. Export-import Bank
Its purpose is to provide financing that will facilitate exports, imports, and the exchange of commodities with various loan and loan-guarantee programs. As U.S. EXIM
to decide the exchange rate which is advantageous to one’s country due to the complicated relations of every country in the world. The exchange rate policy of Korea has changed variously since the Second World War.
4. 1. The fixed exchange rate system ( 1945. 10 ~ 1964. 5 )
A fixed exchange rate system is a currency system in which governments tries to keep the value of their currencies con
to manage earnings and modify the balance sheet to portray a favorable depiction of its performance. According to McLean and Elkid in their book 『The Smartest Guys in the Room』, "The Enron scandal grew out of a steady accumulation of habits and values and actions that began years before and finally spiraled out of control." From late 1997 until its collapse, the primary motivations for Enro