As households went through a process of learning about policies at the individual level, the credit policy of the government financial authorities had an impact on household debt behavior in structural and cultural aspects.
정부 금융당국의 신용정책은 개별차원에서 가계가 정책학습과정을 거치며 구조적 측면과 문화적 측면에서 가계의 부채행동에 작용하였다.