[학술논문] Analysis of the Financial Behaviors of North Korean Refugees in South Korea

...number of delinquencies by the refugees than the native-born control group. These findings suggest that the lack of financial knowledge stemming from prolonged residence in a socialist society has a negative impact on defectors’ financial adaptation in South Korea. However, as the length of credit history which is a proxy of financial literacy increases, the number of delinquencies of the refuges...