Joon-ho Hahm Yonsei University   50 Yonsei-ro Seodaemun-gu 603 New Millennium Hall Seoul, 03722 Korea   jhahm@yonsei.ac.kr   http://gsis.yonsei.ac.kr/faculty/jhahm.asp           JEL Areas: E : Macroeconomics and Monetary Economics G : Financial Economics