ISSN 1975-667 216. 6
금융안정보고서 216. 6
6 5 4 3 2 1 6 5 4 3 2 1 3
15 145 14 135 13 13 1 125 4 7 1 1 2 1 5 5 5 2 4 4 4 18 3 3 3 16 2 2 45 4 35 14 12 37.7 36.9.7-1.5 3-1 3 2 1 4
25 2 15 1 5-5 -1 1 8 6 4 2-2 -4 15 5-1 -2-5 -15 1 15 5-5 -15 1-1 -2 2 2 7 7 18 16 14 12 18 16 14 12 1 1 3 3 6 5 4 6 5 4 5
3 3 2 2 1 1 2.5 2. 1.5 1 8 6 1. 4.5 2. -.5-2 16 14 12 2 15 1 1 8 5 6
2 2 3 3 15 15 15 15 3 2 1 3 2 1 1 1 5-3 -3 9 5-15 -15 3-1 -1 25 2 15 6 4 6 2 1 2 5 3 1 7
1,4 1,4 3 2 3 2 1,2 1, 1,2 1, 1 1 8 8 1 8 17 15 6 13 4 3 4 3 4 2 11 7 9 2 2 1 1 8
4, 3, 2, 1, 6 4 2 15 1 5 15 1 3 2 1 5 15 1 5-1 -5 9
25 2 15 1 5 8 64 76 72 68 7 6 5 4 3 15 1 5 2 16: - - - - - 17:.4 - - - - 16:5.1.1 - -.1 1
2 2.1.1 18 18.9.9 16 14 12 1 8 6 16.8 14.7 12.6 1 8.5 6.4.8.7.6.5.4 i 5 4 3 2 1 5 4 3 2 1 11
11.2-2.7 12.4-1.5 12.3-1.6 1.8-3.1 12
336.5 14.9 11.6 78.7 3.7 18.3 22.8-2.1 2.9 - - 18.7 26.8 36.8 49.1 18.7 29.7 31.5 5.9 28.6 -.7-28.3 4.4 8.3-13
1 1 2 2 75 5 75 5 15 15 25 25 1 1 5 5 14
1 2 3 18 16 14 2 1 12-1 1-2 1 15 14 3 8 6 4 1 12 5 1 8-5 -1 6 2-15 4-3 2 1-1 -2 15
5 45 4 35 3 25 38 326 333 359 25 44 4 49 415 421 43 8.5 8.4 7.9 8.2 8.3 7.9 7.9 7.8 8. 7.8 5 2 15 1 16
2 6 4 41 36 1 1 1 1 15 15 8 8 8 37 4 8 6 4 6 4 44 41 6 4 2 44 49 2 2 19 19 2 17
1,3 14 1,223.7 1,164.9 1,15 11.4 12 1.3 1 1, 8 85 6 7 4 23
16 12 16 12 13 12 11 1 9 13 12 11 1 9 8 4 8 4 24
15 14 13 12 11 15 12 1 9 6 3 5 48 46 44 42 15 12 9 6 4 1 1 8 6 8 6 4 3 4 2 2 25
45 4 35 37.7 3 36.9.7-1.5 3 2 1-1 3 5 4 2 3 2 1 1 26
8 6 45 4 6 2 45 15 3 15 1 5 4 2 3 35 27
-1 145 14 135 13 125 3 12 29 28 27 28
125 12 115 11 15 22 21 1 2 19 18 17 18 4 16 35 14 12 1 3 25 2 15 8 1 29
-2 +2.3 +2.7 +35.5 +7.3 +9.7 +1.5-3.4 +.9 +8.8 +5.2 11 9 7 5 8 6 4 2 3
1 8 6 4 2 1 8 6 4 2 2 1-1 -2-2 -3-3 2 1-1 31
-3 8 6 4 2-2 -1 4 3 2 1.56***.95***.76***.61*** 1.15***.4*** (9.4) (6.78) (3.14) (6.59) (3.41) (5.55) 32
1..8 1..8.65.7.54.91.42.6.62.48.62.58.6.4.2..6.4.2. 21. 7 25. 4 29. 2 213. 3() 22.12 28. 1 211. 8-33
6 2 4 2 1 8 6 4 2-1 15 1 5 3 2 1 34
25 25 2 2 15 1 5 15 1 5-5 -1-5 -1 35
1 1 8 8 6 6 4 4 2 2 2 1 2 1 1 8 6 1 8 6-1 -1 4 4-2 -3-4 -5-6 -7 2 2 36
1 1 8 8 6 6 4 4 2 2 15 5-5 -15 1 15 5-5 -15 1-1 -2-1 -2 37
1 8 6 4 2 1 1 8 6 4 2 1 6 4 2 6 4 2 9 8 9 8 3 3 7 7 25 25 6 6 2 2 5 5 15 15 1 1 38
1 1 1 1 8 8 8 8 6 6 6 6 4 4 4 4 2 2 2 2 39
-4 3,5 3, 2 16 1, 2 3, 8 2,5 15 2, 6 1 1,5 4 2 5 1, 5 2 15 1 5 2,5 12 2, 1,5 8 4 21 211 212 213 214 215 1,646(7.8) 1,89(8.7) 2,13(9.3) 2,24(9.8) 2,377(1.6) 2,474(11.2) 4
25 2 25 2 15 15 1 5 1 5 6 5 4 3 2 1 6 5 4 3 2 1 8 6-2 14 12 1 14 12 1 4-4 8 8 2-6 6 4 6 4-8 2 2 41
-5 1.5 1..5 -.5-1. -1.5-2. y=.55x.64 R 2 =.2869 8 4-4 -8 y=.67x 4.56 R 2 =.159-12 3 25 2 15 1 5-5 -1-15 y=8.696x +39.258 R 2 =.485 42
.11***.1.883*** (.1) (.4) (.321) 1 5-5 2 1 5-5 2 1 1 1, 5 1, 5-5 -5 2 2 1 1-1 -1 43
1,6 1,2 8 4 1 8-2 6 4 2 47
1 8 6 4 2-2 -4 2 16 12 8 4 1,2 1 9 6 3 8 6 4 2 5 5 5 4 4 4 3 3 3 5 4 3 2 1 2 1 2 1 2 1 48
1 8 6 4 2 15 12 9 6 3-2 -4-6 -3 15 1 5 2.5 2. 1.5 1. -5.5 4 2 3 15-1 -2-15 -4-3 49
5 4 3 2 1 9 5 12 4 3 2 1 12 9 3 2 1 3 2 1 6 3 6 3 5
3 2 1 12 11 12 9 6 3-3 -6 12 9 6 3-3 -6-9 -9-1 -2 1-3 8 9 1, 12 5-5 11 1-1, 8 9 51
19 16 13 1 19 16 13 1 7 7 16 16 14 12 1 8 8 14 12 1 52
-1 53
1 8 6 4 2 1 1 8 8 6 4 2 4 3 2 1 6 4 2 1 4 3 2 1 8 6 4 2 54
-2 55
1 2 75 15 5 25 1 5 16 14 12 1 8 6 16 14 4 4 12 1 8 6 56
2,5 2, 1,5 1, 5 15 12 9 6 3 57
2 2 3 3 15 15 15 15 1 5 1 5-15 -15-3 -3 1 8 6 1 8 6 12.1 12.2 12.3 12.4 12.5 9.2 9.4 9.3 9.3 9.4 4 2 4 2 58
9 3 6 2 3 1 4 3 2 1 3 2 1 59
18 15 12 9 6 3-3 18 15 12 9 6 3-3 3 2 1-1 -1 3 2 1 6
25 2 15 1 5 6 4 2 61
-3 3 2 1 6 4 2 25 25 2 2 15 15 1 1 5 5 62
13.2 33.7 45.4 4.7 55.2 7.4 53.9 88.9 52.8 63
-4 3 2 1 4 1..75.5.25. 25 2 15 1 5 2 45 4 35 3 25 64
8 8 6 4 2 6 4 2 34.9 35.8.9 (24.1) (28.1) (4.) 26.4 35.8 9.4 (31.3) (45.1) (13.8) 65
-5 16 12 8 4 16 12-4 -4 8 4 8 8 6 6 4 4 2 2-2 -2 66
6 4 16 12 8 2 4 36 32 28 24 2 15 12 9 6 3 67
5 4 3 2 1 5 4 3 2 1 3 2 3 2 1 1 68
4 2 12 1 8 4 3 4 3-2 6-4 4-6 2 2 2 1 1 69
1,4 1,4 1,2 1,2 1, 1, 8 8 2,2 21 2,1 2, 18 15 1,9 1,8 12 9 1,7 6 7
34 8 1 8 17 15 32 4 6 4 13 11 3 2 9 28-4 26-8 7 2 9 1 75 6-1 -2 45 3 71
1 8 6 4 2 1 8 6 4 2 72
4 4 2-2 2-2 -4-4 73
3 15 3 15-15 -15-3 -3 4, 3. 8, 6, 1-1 -2-3 -3-4 -4 1-1 -2 2, 4, 1, 2, 74
2 2 1 1 1 1 5 5-5 -5-1 -1-1 -1 3,8 3,4 3, 2 1 2,6-1 1,6 1,4 5 4 1,2 3 1, 2 75
12 8 4 3 2 1 25 2 15 1 5 3. 2.5 2. 1.5 1..5. 76
3 15 2 1 1 5-1 -5 8 6 4 4 3 2 2 1-2 -1-4 -2 77
-6 3 2 1 3 2 1 11 9 7 5 11 9 7 5 78
2.2 2. 2.2 2. 1.8 1.8 1.6 1.6 1.4 1.4 5 4 5 4 3 3 2 2 1 1 79
7 6 5 4 3 15 1 5 2 8
4 3 25 2 6 55 25 2 2 1 15 1 5 5 45 15 1 5 4 25 2 25 2 15 15 1 1 5 5 81
25 2 15 1 5 5 4 3 2 1 16: 17:.4 16:5.1.1.1 82
5 5 4 4 3 2 1 3 2 1 1 8 6 8 7 4 2 6 5 83
-7 84
85
-8 213 3.4.8 5.5 9.7 214 8.7 2. 23.8 34.5 215 29. 3.6 97.6 13.2 1, 1, 8 6 4 2 8 6 4 2 86
1 8 6 1 8 6 4 2 4 2 87
88
8 8 8 8 6 4 2 6 4 2 6 4 2 6 4 2 93
8 6 4 2 8 8 6 4 2 2 2 6 4 2 2 8 6 6 6 6 4 4 4 4 6 4 2 2 5 5 4 4 3 3 2 2 1 1 94
5 5 4 4 3 3 2 2 1 1 11.7 145.5 145.7 143.9 9.3 6 5 4 3 2 1 6 5 4 3 2 1 95
7 7 25 6 6 23 5 4 3 2 5 21 4 19 3 17 2 15 25 23 21 19 17 15 5 2, 5 5 4 1, 4 4 3 2 1-1, -2, -3, 3 2 1 3 2 1 96
13 12 13 12 11 1 9 11 1 9 8 7 6 8 7 6 9 9 2 2 8 7 8 7 15 1 5 15 1 5 3 2 1 3 2 1 6 6-5 -5 5 4 5 4-1 -15-1 -15 5.6 48.9 45.9 44.6 44.4 42.5 43.2 46. 47.1 47.2 97
1 8 6 4 2 48 36 46 44 42 4 38 3 3 2 18 16 2 18 16 2 2 14 14 1 1 12 12 1 8 6 1 8 6 L 72.3 122.3 5. 35.8 36.1.3 36.5 86.2 49.7 98
.1.9.8.7.6.5.1.9.8.7.6.5.4.4 i 9 9 8 8 7 6 7 6 99
2.5 25.9 28.5 3.7 48.3 47.2 42.7 39.3 58. 55.1 53.7 54. 28. 3.1 31.6 35. 21.5 19. 17.9 15.3 23.6 22.7 25.7 25.7-1 -2-3 -4-5 -6 4-4 -8-12 -16 1
11
58 56 54 52 5 12 11 1 48 97 6.6 5,5 6.5 4,5 6.4 6.3 6.2 6.1 6. 1,5 99 98 3,5 2,5 12
12 1 11 1 8 6 9 4 2 7 8 45 48 53 57 35 38 44 48 (33) 39 44 47 (33) 41 43 47 13
12 8 4-4 -4-8 -8-12 -12 55 67 156 175 17 22 227 234 229 22 193 21 54 46 365 1,148 3,222 4,94 5,229 5,22 166 475 37 283 26 233 157 233 197 193 19 16 182 153 162 12 8 4 15 15 1 1 1 1 5-5 5-1 -5-1 -1-2 -2-1 -15-15 -3-3 14
13 12 1.4 1.3 1.2 11 1.1 1 1. 3 25 2 15 1 5 3 25 2 15 1 5 15
16
16 16 14 13.9 14 12 1-1.2-1.2 +.4 +.2 -.9 11.2 12 1 8 8 17
16 16 14 12 1 13.9 -.6 -.6 +.1 +.1 12.4 -.5 8 8 14 12 1 18
16 16 14 12 1 13.9 -.7 -.6 +.1 +.1 -.5 12.3 8 8 14 12 1 16 14 12 1 8 13.9-1.6-1.5 +.7 +.3 1.8 11.2-2.7-1. 16 14 12 1 8 12.4-1.5 12.3-1.6 1.8-3.1 19
11
12 9 6 12 9 6 3 3 111
2, 15.1 16 1,5 12.5 13. 225.9 14 12 1, 227.7 1 149.5 1,88.5 962.9 5 76.3 8 6 4 1 1.8 8 35.4 6 4 2 53.8 5.8 3.8 1 14.8 18. 8 76.2 81.4 6 4 2 112
1,2 9 6 1,2 1 995. 8 9 6 6 476.7 4 1 8 6 4 12 9 6 3 2 15 1 3 3 2 2 58.1 5 2 2 17.7 16.8 17.1 15 14.2 13.4 15 1 5 9.9 1 1. 1.7 5 4 3 2 1 3. 1.7 2.8 2.7 4 3 2 1 113
18 15 12 9 6 3 4 3 3 2 1 2 1 4 3 2 1 3 2 1.2.15.1.5. 9 6 3 13.6 5.3 9.1 23.3 5.2 22.7 9 21.3 5.6 56. 6 3 114
4 3 2 1 15.7 26.3 14.1 24.2 19.1 32.2 115. 89.9 74.6 79.1 4 4.8 37.9 31.5 82.4 124.3 5 4 3 2 1 15 12 3 9 2 6 1 3 115
1 3 8 25 12.5 2 6 6.3 1.5 2.5 8.2 15 5.6 4 3.3 7.1 23.8 12.6 1 2 39.6 6.4 1.3 5 19.4 16.4 15 68.2 75.7 1 63.2 32.3 5 23.3 69.4 5.4 39.9 16.9 9 6 3 9 79.8 6 3 2.2 8 5.3 49.7 6 4 2 116
1 8 6 4 2 21.7 2.9 16.4 12.2 2.5 48.1 45.4 41.7 1 5.4 8 6 4 2 117
14 12 1 8 6 4 2 5 1 8 6 4 2 21.1 26.8 12.5 26.6 24.1 9.6 31.1 17.9 26.8 18.4 13.7 18.3 4 3 2 1 1 8 6 4 2 118
12 8 669.8 637.7 6 8 438.8 4 4 76.9 78.7 66.7 2 1 1 1 1 19.5 15.1 8 8 8 1.9 8 32.9 6 6 6 33.1 6 4 4 4 4 2 47.6 2 2 38.2 2 1,2 1,2 9 9 437. 336.3 6 3 288.7 52.8 558.9 574.5 6 3 119
336.5 14.9 11.6 78.7 3.7 18.3 22.8-2.1 2.9 - - 18.7 26.8 36.8 49.1 18.7 29.7 31.5 5.9 28.6 -.7-28.3 4.4 8.3-12
16 12 8 16 12 8 1 75 45.7 46.2 46.4 5 4 4 5 44.4 43.6 45 25 45.8 45. 49.7 5.5 55. 121
6 6 46.4 47.6 42.8 4 36. 38.3 35.2 36.7 34.9 4 33.1 28. 26.9 3.1 3.8 25.1 21.2 2 2 122
1 7.6 75 41.1 27.4 23.9 18.3 27.7 1 75 5 25 81. 11.4 56.3 2.6 53.1 64.1 19.5 66.5 6. 12. 15.2 12.3 5 25 2 15 1 5 111.2 71.3 122.3 126.2 8. 79.5 143.4 58.1 2 15 1 5 123
1 75 5 25 5.5 39.8 9.7 53.6 1 34.5 11.8 75 5 25 6 4 2 29.2 48.1 6 4 2 124
6 4 2 3.7 3.7.6 1.8 8.1 7. 15.6 12.3 11. 24.3 22.1 2.8 45.6 59.4 6 54.9 4 2 5 5 4 38.5 39.3 4 31.9 31.9 33.3 3 27.1 3 23.6 2 18.5 16.9 2 13. 14.6 1 9.9 1.7.5 125
6 4 2 16.6 1.9 24.9 25.5 18.9 38.2 42.2 54.3 18.6 18.3 15.715.9 6 4 2 1 75 5 25 5.6 1.7.6 62.4 64.6 29.2 2.7 31. 56.4 11.2 13.8 2.7 1 75 5 25 8 6 4 2 29.8 27.2 13.6 63.5 6.6 53.7 12.2 11.3 4.2.9 1.6 21.3 8 6 4 2 15 15 115.3 1 1 84.5 74.1 64.8 5 5 126
2 15 1 5 46.2 111.2 54.1 63.7 122.3 126.2 78.6 143.4 9 6 3 127
129
13
131
132
133
134
135
136
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