ABSTRACT Study on Types and Characteristics of Korea?s Financial Products Kim, Hye Jin Major in finance․insurance The Graduate School of Education SungShin Women's University Supervised By Lee, Hyun Seok We have so far examined Korea?s financial markets and its products and we have projected c...
ABSTRACT Study on Types and Characteristics of Korea?s Financial Products Kim, Hye Jin Major in finance․insurance The Graduate School of Education SungShin Women's University Supervised By Lee, Hyun Seok We have so far examined Korea?s financial markets and its products and we have projected certain possible changes in such areas. The short-term financial products, relatively delicate to the rate of return, go through changes in their preferences according to these exact rates of return and shifts in their capital. Banks are believed to supplement the lack of receiving due to the decrease of CDs issued through their products. Banks are expected to severely compete at an unprecedented rate to attract savings deposits. Furthermore, in face of the worsening real estate market recession, the government is implementing diverse policies, including easing the loan controls. However, it is expected that banks will decrease their loans to ensure more security and such measures will make it difficult for the financial markets to recover in a short period of time, despite the new regulations in the real estate market. The insurance and pension markets, engaged with the aging phenomenon and the retirement of the baby boom generation, are expected to satisfy the demands, through the numerous and diverse products based on their profitability and security thus far. But the aging phenomenon will put and is putting severe pressure on the nation?s Social Security funding. The capital markets are liable to various changes under the influence of national and international economic situations and regulations among so many variables. The stock market is quite unlikely to increase on a monumental scale, considering the remaining global crisis and the insecure national situation. As for the bond market, mixed ends are expected based on the increase of base rates. The ABS market, moving at a snail?s pace due to the recent emphasis of credibility risks, will see the needs for their issuances increase and subsequently become more activated, due to the expansion of interest of investors in the future underlying asset extend and securitization, and to the real estate financial market?s trajectory moving upward. The wrap-accounts and CMA from the short-term financial market are more easily approachable by consumers and with their diverse additional services and high interest, are likely to attract many investors. Based on the mutual relation between the global economic environment and the financial market, the combined products incorporating financial derivatives or stock price indexes are being noticed more. ELS, ELW and ETF are the main examples of such products, while DLS represents a typical product incorporating various underlying assets. Diverse product plans are possible through profit structures and in the case of DLS, the investor will be able to enjoy the advantages of a dispersed investment when it is difficult to obtain important profits from direct investment during cases of correction phases. However, a complicated profit composition is expected based on diverse products and the strong fluctuations of the underlying asset will require minute and continuous attention from the investor. Financial markets are in the potential global financial crisis, It will seems to be a tendency to prefer the safe assets. So, Such as the derivatives products and bonds will be actively invested. Rather than direct investment in boxes range stocks. The increased in exports and demand for derivatives is likely to cause increasing in derivatives trading for hedge. Also anxiety about the global interest rates will increase the CRS trade. The consolidation law on the capital market allows for consumers to have easy access to various financial products. Nevertheless, this also means that consumers will themselves have to understand the characteristics of these products and make their choices accordingly. Their management will not merely be based on profitability but also on understanding the flow of the market and considering the objectives, time and security of their investment.
ABSTRACT Study on Types and Characteristics of Korea?s Financial Products Kim, Hye Jin Major in finance․insurance The Graduate School of Education SungShin Women's University Supervised By Lee, Hyun Seok We have so far examined Korea?s financial markets and its products and we have projected certain possible changes in such areas. The short-term financial products, relatively delicate to the rate of return, go through changes in their preferences according to these exact rates of return and shifts in their capital. Banks are believed to supplement the lack of receiving due to the decrease of CDs issued through their products. Banks are expected to severely compete at an unprecedented rate to attract savings deposits. Furthermore, in face of the worsening real estate market recession, the government is implementing diverse policies, including easing the loan controls. However, it is expected that banks will decrease their loans to ensure more security and such measures will make it difficult for the financial markets to recover in a short period of time, despite the new regulations in the real estate market. The insurance and pension markets, engaged with the aging phenomenon and the retirement of the baby boom generation, are expected to satisfy the demands, through the numerous and diverse products based on their profitability and security thus far. But the aging phenomenon will put and is putting severe pressure on the nation?s Social Security funding. The capital markets are liable to various changes under the influence of national and international economic situations and regulations among so many variables. The stock market is quite unlikely to increase on a monumental scale, considering the remaining global crisis and the insecure national situation. As for the bond market, mixed ends are expected based on the increase of base rates. The ABS market, moving at a snail?s pace due to the recent emphasis of credibility risks, will see the needs for their issuances increase and subsequently become more activated, due to the expansion of interest of investors in the future underlying asset extend and securitization, and to the real estate financial market?s trajectory moving upward. The wrap-accounts and CMA from the short-term financial market are more easily approachable by consumers and with their diverse additional services and high interest, are likely to attract many investors. Based on the mutual relation between the global economic environment and the financial market, the combined products incorporating financial derivatives or stock price indexes are being noticed more. ELS, ELW and ETF are the main examples of such products, while DLS represents a typical product incorporating various underlying assets. Diverse product plans are possible through profit structures and in the case of DLS, the investor will be able to enjoy the advantages of a dispersed investment when it is difficult to obtain important profits from direct investment during cases of correction phases. However, a complicated profit composition is expected based on diverse products and the strong fluctuations of the underlying asset will require minute and continuous attention from the investor. Financial markets are in the potential global financial crisis, It will seems to be a tendency to prefer the safe assets. So, Such as the derivatives products and bonds will be actively invested. Rather than direct investment in boxes range stocks. The increased in exports and demand for derivatives is likely to cause increasing in derivatives trading for hedge. Also anxiety about the global interest rates will increase the CRS trade. The consolidation law on the capital market allows for consumers to have easy access to various financial products. Nevertheless, this also means that consumers will themselves have to understand the characteristics of these products and make their choices accordingly. Their management will not merely be based on profitability but also on understanding the flow of the market and considering the objectives, time and security of their investment.
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