Hoon Cho is currently an associate professor with the College of Business, Korea Advanced Institute of Science and Technology. He received the B.B.A. in business administration and M.B.A. in finance from Seoul National University, and M.S. and Ph.D. degrees in real estate and urban land economics from the University of Wisconsin–Madison. His current research interests are credit risks, real estate finances, and asset markets.
This study proposes an advanced credit evaluation method for nonperforming consumer loans, which may serve as a new investment opportunity in the post-pandemic era.