Korean overseas financial affiliates have been installed and operated mainly for the procurement of foreign capital and the overseas expansion of individual companies. By taking the form of a branch office the international finance center, the base of business is vulnerable. However, as Korea's international payments have been in the black since 1986, the pattern of overseas expansion has changed. The overseas position of Korean financial institutions has expanded by developing preferential advance areas. In addition, in the preparation of capital transactions, overseas expansion advance areas are diversified to international financial centers and developing nations with high demand for capital.