Synapse
⌘+K
Synapse
PulseExploreClubsResearchersJournals
Instagram
HomeClubsExplore
September 10, 2025Dongguk Business Research Institute

The Impact of Structural Changes in Household Lending on Banks' Interest Rate Risk

View Full Paper
Ask AI
Bookmark
Share

Authors

SPS.B. ParkKKKyeong-Hoon Kang

Discussion

Loading...

Member takes

Overview

Study reveals changing interest rate risk dynamics as fixed-rate loans increase, highlighting cash flow mismatches.

Key Points

  • Banks face expanded interest rate risk due to increased fixed-rate loans and cash flow mismatches.
  • A significant challenge arises from varying funding structures and high volatility in net profit indicators.
  • Banks with high interest rate sensitivity may see decreased income due to cash flow management issues.
  • Strengthening Asset-Liability Management is crucial for mitigating the growing interest rate risk.

Cite This Study

Park et al. (2025) studied this question.

synapsesocial.com/papers/68c18c169b7b07f3a0614f36https://doi.org/10.55685/bcr.2025.47.2.125
View Full Paper
Ask AI
Bookmark
Share