2017 년 중소기업금융실태조사 2017.10
통계편목차 1.1 16년전반적경영상황 97 1.2 17년전반적경영상황전망 98 2.1 16년경영상황호전원인 99 2.2 16년경영상황부진원인 101 3.1 17년자금수요전망 103 3.2 17년자금수요증가에대한향후조달계획 104 3.3 17년자금수요증가예상이유 105 3.4 17년자금수요감소예상이유 106 4.1 16년말외부차입금보유여부 ( 잔액기준 ) 107 4.2 16년말외부차입금미보유이유 108 5.1 16년외부자금조달사정 109 6.1 17년외부자금조달사정예상 110 7.1 16년신규조달자금원천별비중 ( 금액기준 ) 111 8.1 16년신규조달자금평균대출금리 ( 은행 : 담보대출 ) 112 8.2 16년신규조달자금평균대출금리 ( 은행 : 신용보증서담보대출 ) 113 8.3 16년신규조달자금평균대출금리 ( 은행 : 신용대출 ) 114 8.4 16년신규조달자금평균대출금리 ( 비은행금융기관 : 담보대출 ) 115 8.5 16 년신규조달자금평균대출금리 ( 비은행금융기관 : 신용보증서담보대출 ) 116 8.6 16년신규조달자금평균대출금리 ( 비은행금융기관 : 신용대출 ) 117 9.1 16년은행신규대출신청유 / 무 118 9.2 16년은행신규대출미신청이유 119 10.1 16년은행신규대출유 / 무 120 10.2 16년은행신규대출은행유형 121 10.3 16년신규대출건수 122 10.4 16년은행신규대출자금사용처 123 ⅶ
10.5 신규대출시주거래은행에서받지않은이유 124 11.1 16년은행차입여건변화 - 전반적 126 11.2 16년은행차입여건변화 - 금리 127 11.3 16년은행차입여건변화 - 담보요구 128 11.4 16년은행차입여건변화 - 대출한도 129 11.5 16년은행차입여건변화 - 신용대출 130 11.6 16년은행차입여건변화 - 대출심사소요기간 131 11.7 16년은행차입여건변화 - 상품 ( 부대거래 ) 가입요구 132 12.1 16년은행신규대출거절경험 133 12.2 신규대출거절은행유형 134 12.3 16년은행신규대출거절사유 135 13.1 16년신규정책자금대출유 / 무 136 13.2 정책자금대출종류 137 13.3 신용보증서발급기관 138 13.4 정책자금대출금리 139 13.5 정책자금받은이유 140 13.6 정책자금받지않은이유 141 14.1 16년비은행금융기관신규대출유 / 무 143 14.2 비은행금융기관유형 144 14.3 비은행금융기관대출받은이유 145 15.1 16년신규사채 ( 私債 ) 유 / 무 146 15.2 사채 ( 私債 ) 조달경로 147 15.3 사채 ( 私債 ) 차입금리 148 15.4 사채 ( 私債 ) 조달이유 149 16.1 16년주식 회사채를통한자금조달유 / 무 150 16.2 주식 회사채를통한자금조달이없는이유 151 16.3 주식 회사채를통한자금조달방법 153 16.4 기업공개 / 상장또는유상증자경로 154 17.1 향후기업공개 / 상장, 회사채발행을통한자금조달계획 155 ⅷ
18.1 계열관계회사유 / 무 156 18.2 16년계열관계회사와의자금거래유 / 무 157 18.3 계열관계회사와의자금거래세부사항 - 차입금액 158 18.4 계열관계회사와의자금거래세부사항 - 차입금리 159 18.5 계열관계회사와의자금거래세부사항 - 대여금액 160 18.6 계열관계회사와의자금거래세부사항 - 대여금리 161 19.1 17년외부자금조달계획유 / 무 162 19.2 17년외부자금조달계획 - 운전자금 163 19.3 17년외부자금조달계획 - 시설자금 164 19.4 17년외부자금조달계획 - 165 20.1 금융자산운용비중 ( 금액기준 ) 166 20.2 수시입출식예금운용비중 ( 예치금융기관 ) 167 20.3 저축성예금운용비중 ( 예치금융기관 ) 168 20.4 펀드, 신탁, 시장성상품운용비중 ( 예치금융기관 ) 169 21.1 금융자산운용시고려사항 170 22.1 16년판매대금결제수단 171 22.2 받은약속어음 ( 외상매출채권등 ) 활용방법 172 22.3 받은약속어음 ( 외상매출채권등 ) 부도경험 173 22.4 받은약속어음 ( 외상매출채권등 ) 평균지급기간 174 22.5 받은약속어음 ( 외상매출채권등 ) 할인시애로사항 175 23.1 16년구매대금결제수단 176 23.2 지급한약속어음 ( 외상매출채권등 ) 평균지급기간 177 24.1 주거래은행 ( 금융기관 ) 유형 178 25.1 주거래은행 ( 금융기관 ) 과의거래기간 179 26.1 주거래은행 ( 금융기관 ) 선택시고려사항 180 27.1 주거래은행 ( 금융기관 ) 만족도 (5점척도 ) 182 28.1 대출거래은행수 183 29.1 은행 ( 금융기관 ) 대출시불편사항 184 30.1 기술금융유 / 무 186 ⅸ
30.2 신규차입금액중기술금융비중 187 30.3 기술금융만족도 188 30.4 기술금융개선사항 189 31.1 향후기술금융이용의향 191 32.1 인수합병진행및고려현황 192 32.2 인수합병목적 193 33.1 자사매각고려여부 195 33.2 자사매각고려이유 196 34.1 크라우드펀딩 ( 또는 P2P 대출 ) 자금조달유 / 무 197 34.2 신규차입금액중크라우드펀딩 ( 또는 P2P 대출 ) 이차지하는비중 ( 금액기준 ) 198 35.1 연구개발 (R&D) 자금조달방법 199 36.1 인터넷전문은행향후이용의향 200 36.2 인터넷전문은행향후이용이유 201 ⅹ
초과 ~3 미만 3 이상상장기업비상장외감기업비외감기업원청기업 매우호전 다소호전 동일 다소부진 매우부진 ( 단위 : 개, %) 거절 / 무응답 498,292 1.5 16.3 41.6 30.5 10.0 0.1 135,922 2.2 21.5 36.2 30.6 9.3 0.2 46,515 3.1 26.1 39.2 21.7 9.9 0.0 92,059 0.7 14.0 44.8 31.9 8.6 0.0 16,037 1.7 12.1 33.7 40.9 11.4 0.1 75,063 1.0 7.4 37.2 38.5 15.8 0.0 13,820 3.9 20.1 43.7 28.4 4.0 0.0 7,739 0.0 10.4 50.7 34.3 4.6 0.0 27,666 0.8 16.8 55.9 18.8 7.7 0.0 14,180 3.4 25.7 35.7 27.7 7.5 0.0 17,778 0.0 10.3 43.3 32.7 13.7 0.0 24,717 0.1 11.1 65.9 19.8 3.1 0.0 7,409 0.0 9.8 50.5 31.3 8.4 0.0 19,387 1.7 11.4 36.5 36.1 14.2 0.0 322,381 1.4 12.6 41.2 32.9 11.9 0.0 102,776 1.8 22.8 43.0 25.2 7.1 0.1 51,881 1.5 22.4 42.8 27.9 5.4 0.1 13,829 2.3 25.1 39.2 27.8 5.5 0.0 5,950 3.0 30.2 37.5 25.4 3.6 0.3 1,475 6.2 27.5 37.8 24.0 4.5 0.0 477,038 1.5 15.8 41.7 30.7 10.2 0.1 21,254 2.8 26.7 38.6 26.9 4.9 0.1 124,295 2.5 18.2 43.1 26.7 9.4 0.2 127,263 1.2 16.6 41.5 29.4 11.3 0.0 102,890 1.9 13.6 39.6 35.3 9.7 0.0 72,761 0.9 14.9 44.3 31.4 8.5 0.0 71,083 0.7 17.7 39.5 31.6 10.5 0.0 234,696 0.9 10.7 40.5 34.4 13.3 0.1 164,893 1.9 19.6 42.3 27.8 8.4 0.0 37,040 3.3 29.3 45.7 19.3 2.4 0.1 38,751 2.8 26.6 45.6 22.4 2.6 0.0 460,155 1.4 15.8 41.9 30.6 10.3 0.1 22,550 3.7 19.9 42.1 26.3 8.0 0.0 15,588 3.1 26.7 31.8 34.6 3.8 0.0 1,737 2.0 31.4 25.5 39.4 1.7 0.0 51,664 3.0 25.4 36.1 26.9 8.5 0.1 444,890 1.4 15.2 42.3 30.9 10.2 0.0 47,332 0.9 20.3 38.5 31.6 8.7 0.0 50,922 3.2 23.2 41.9 27.3 4.1 0.3 21,146 1.1 23.7 32.4 29.4 13.4 0.0 5,952 0.1 23.7 33.4 26.6 16.2 0.0 372,940 1.4 14.3 42.6 31.0 10.6 0.0 Ⅲ 통계편1.1 16 년전반적경영상황 Ⅲ. 통계편 97
1.2 17 년전반적경영상황전망 ( 단위 : 개, %) 매우호전 다소호전 동일 다소부진 매우부진 초과 ~3 미만 3 이상상장기업비상장외감기업비외감기업원청기업 498,292 1.2 18.0 43.8 29.3 7.6 135,922 2.3 26.7 39.4 24.4 7.2 46,515 2.5 26.1 45.0 20.3 6.1 92,059 1.6 14.6 39.6 36.7 7.5 16,037 0.1 13.7 50.7 26.1 9.4 75,063 0.0 5.6 39.4 43.4 11.6 13,820 0.1 31.3 52.9 14.3 1.4 7,739 0.0 14.7 57.7 24.3 3.3 27,666 0.0 18.6 60.0 16.7 4.7 14,180 0.8 21.8 49.4 24.8 3.3 17,778 0.0 17.9 37.8 30.7 13.5 24,717 0.1 7.9 62.9 24.7 4.4 7,409 0.0 8.8 55.9 28.4 6.9 19,387 0.0 11.1 41.2 38.1 9.7 322,381 1.1 15.2 42.5 31.9 9.3 102,776 1.6 23.6 44.0 26.2 4.7 51,881 0.8 22.8 49.2 22.7 4.5 13,829 0.6 20.3 53.2 23.3 2.6 5,950 2.0 24.8 47.8 21.9 3.5 1,475 2.5 31.2 47.4 15.8 3.2 477,038 1.2 17.9 43.5 29.6 7.8 21,254 1.1 22.3 51.3 22.4 2.9 124,295 1.7 19.3 43.5 28.6 6.9 127,263 1.4 19.0 43.5 27.2 8.8 102,890 1.0 15.8 42.3 32.6 8.3 72,761 1.1 17.5 46.5 28.8 6.1 71,083 0.4 17.9 44.5 30.2 7.0 234,696 0.9 13.3 43.3 32.4 10.1 164,893 1.3 22.4 42.3 27.9 6.1 37,040 1.2 27.3 47.6 20.4 3.4 38,751 3.3 23.8 52.2 17.6 3.1 460,155 1.2 16.7 43.9 30.2 8.0 22,550 1.5 37.0 41.6 17.1 2.8 15,588 1.8 30.2 46.1 19.6 2.3 1,737 1.1 26.6 49.4 22.6 0.3 51,664 1.7 24.1 47.0 21.2 5.9 444,890 1.1 17.3 43.5 30.3 7.8 47,332 1.9 20.0 41.3 32.3 4.5 50,922 1.4 21.9 43.3 28.7 4.8 21,146 2.4 24.7 43.3 21.6 8.1 5,952 5.0 15.1 38.3 21.8 19.8 372,940 1.0 16.9 44.4 29.6 8.1 98 2017 년중소기업금융실태조사
2.1 16 년경영상황호전원인 판매증가 수주조건호전 납품기업과관계호전 업계경쟁완화 채산성호전 89,101 86.9 23.6 8.6 7.3 4.4 3.0 32,491 90.6 22.3 13.6 7.0 6.8 4.7 13,574 66.3 47.0 10.0 0.3 4.2 1.0 13,497 91.5 13.4 5.8 15.7 0.1 6.8 2,236 86.4 12.7 5.5 9.8 0.0 0.0 6,307 99.8 1.8 0.0 0.5 0.1 0.0 3,313 89.6 41.6 2.0 4.8 6.1 0.2 산업 801 93.4 0.0 0.0 9.8 23.1 6.6 대분류 4,869 81.2 21.8 8.7 3.0 13.9 0.2 4,137 78.8 43.6 3.7 4.9 2.1 0.0 1,829 100.0 5.8 0.0 5.8 0.0 0.0 2,770 93.3 15.7 0.0 20.3 0.0 0.0 724 95.3 0.0 0.0 1.6 4.7 0.0 2,553 93.1 18.6 12.5 20.8 0.0 0.0 45,078 88.0 18.5 9.4 7.8 4.2 3.6 25,304 85.9 28.7 8.9 5.9 3.9 2.0 종사자 12,432 85.2 34.5 5.5 7.4 5.8 2.4 규모 3,796 85.6 21.2 9.2 9.4 3.0 3.3 1,994 89.0 13.4 5.9 6.0 8.2 2.0 497 79.8 22.6 4.4 11.4 14.1 6.1 기업 82,813 86.9 24.0 8.6 7.2 4.4 3.0 규모 6,287 86.3 18.8 7.8 8.5 5.5 3.1 25,952 87.9 22.4 7.3 8.1 3.8 2.0 22,649 90.3 21.8 11.1 8.6 4.1 3.7 기업 15,915 85.2 24.9 9.2 5.5 4.9 4.0 업력 11,496 82.5 30.2 7.4 1.8 6.1 0.2 13,088 84.9 22.0 7.2 10.3 4.3 4.9 27,586 89.1 14.6 9.7 5.6 4.0 2.4 35,542 87.0 28.3 9.0 6.5 4.4 2.1 12,098 85.4 28.8 8.3 8.5 4.4 5.4 11,391 84.1 28.4 5.6 9.8 6.1 3.8 79,114 86.1 24.6 8.5 7.5 4.1 3.0 수출 초과 ~3 미만 5,330 90.7 18.3 13.0 8.3 10.6 4.3 비중 3 이상 4,657 95.5 14.3 4.4 2.5 3.2 0.9 상장및 상장기업 579 92.7 15.0 5.1 4.8 13.0 4.6 외감 비상장외감기업 14,712 81.7 24.7 8.5 6.0 5.6 2.9 여부 비외감기업 73,810 87.9 23.5 8.6 7.5 4.2 3.0 원청기업 10,043 90.4 30.1 3.8 5.0 4.0 0.1 13,598 85.7 32.7 13.2 4.3 2.2 1.7 하도급 5,255 93.9 29.1 13.6 0.4 5.6 2.5 여부 3차협력 1,419 74.6 23.0 25.6 0.0 0.6 0.6 하도급없음 58,785 86.2 20.0 7.5 9.1 5.0 3.9 원자재가격하락 ( 단위 : 개, %, 복수응답 ) Ⅲ 통계편Ⅲ. 통계편 99
2.1 16 년경영상황호전원인 ( 계속 ) ( 단위 : 개, %, 복수응답 ) 인력수급원활 환차익 사업장임차료하락 인건비하락 기타 초과 ~3 미만 3 이상상장기업비상장외감기업비외감기업원청기업 89,101 2.4 2.0 0.6 0.5 0.6 32,491 1.1 1.9 1.3 0.2 0.8 13,574 5.0 3.0 0.0 0.0 0.0 13,497 2.8 3.5 0.0 0.0 0.0 2,236 1.5 7.1 0.0 0.0 0.8 6,307 1.1 0.0 0.0 0.0 0.0 3,313 2.1 2.0 0.0 3.7 0.2 801 6.6 0.0 0.0 0.0 0.0 4,869 3.0 0.0 0.4 0.2 2.0 4,137 7.1 0.0 2.2 0.4 4.1 1,829 0.0 0.0 0.0 0.0 0.0 2,770 0.0 0.7 0.0 0.0 0.0 724 1.6 0.0 0.0 0.0 0.0 2,553 3.0 0.0 0.0 8.6 0.0 45,078 0.6 2.5 0.7 0.7 0.7 25,304 3.2 1.0 0.6 0.2 0.6 12,432 6.2 0.8 0.4 0.0 0.0 3,796 2.7 3.4 0.5 0.0 1.0 1,994 7.4 4.7 0.8 2.1 2.1 497 15.8 3.3 0.0 1.2 0.0 82,813 2.2 1.8 0.6 0.5 0.6 6,287 5.2 3.8 0.5 0.8 1.3 25,952 3.8 0.6 0.0 0.5 0.4 22,649 1.0 0.7 2.3 0.3 1.0 15,915 1.5 4.2 0.1 0.1 0.2 11,496 1.9 3.4 0.1 0.0 0.2 13,088 3.8 2.9 0.0 1.9 1.4 27,586 1.2 1.6 0.9 1.2 1.4 35,542 4.0 1.3 0.6 0.0 0.0 12,098 1.2 1.0 0.4 0.1 0.1 11,391 2.6 6.1 0.3 0.8 0.6 79,114 2.6 1.6 0.7 0.5 0.7 5,330 2.4 1.7 0.0 0.3 0.5 4,657 0.1 9.0 0.0 0.0 0.0 579 1.4 4.7 0.0 1.4 0.0 14,712 3.2 2.0 0.4 0.2 1.2 73,810 2.3 1.9 0.6 0.6 0.5 10,043 1.5 0.2 0.2 0.0 2.6 13,598 1.6 3.2 0.7 0.2 0.0 5,255 3.1 3.6 0.0 0.0 0.0 1,419 0.0 0.0 15.0 0.0 0.0 58,785 2.8 1.9 0.4 0.7 0.5 100 2017 년중소기업금융실태조사
초과 ~3 미만 3 이상상장기업비상장외감기업비외감기업원청기업 판매부진 업계경쟁심화 인건비상승 수주조건악화 ( 단위 : 개, %, 복수응답 ) 원자재가격상승 201,816 76.5 31.7 22.3 20.0 15.7 54,240 67.2 25.1 22.9 28.8 28.1 14,686 29.1 44.6 16.7 64.6 12.3 37,284 89.2 44.3 24.3 8.4 12.2 8,394 83.5 20.8 9.0 19.9 0.2 40,810 96.7 20.9 26.0 4.3 16.6 4,467 80.0 24.0 9.7 21.6 2.9 3,013 50.4 27.4 25.0 27.3 1.8 7,332 89.5 12.7 5.0 21.1 1.1 4,984 55.5 35.7 23.7 33.8 4.5 8,246 95.7 51.7 4.3 0.0 1.3 5,660 74.3 32.2 29.4 19.4 12.6 2,941 77.8 42.2 33.3 7.2 12.3 9,758 52.2 51.9 41.0 25.3 16.4 144,582 78.5 33.0 22.3 16.3 16.1 33,231 70.9 30.2 24.9 30.1 16.5 17,249 73.8 23.6 18.1 29.9 12.0 4,607 72.2 34.9 18.0 27.0 11.1 1,726 66.0 26.1 22.6 16.4 10.3 421 42.7 33.9 35.0 32.0 6.5 195,062 76.8 31.7 22.4 19.9 15.8 6,753 68.8 32.6 20.2 24.6 10.6 44,760 81.2 33.1 32.0 14.0 17.8 51,821 75.7 27.7 27.0 18.7 14.2 46,267 77.0 37.3 15.4 19.6 14.8 29,047 70.3 31.0 16.5 30.2 14.6 29,919 76.1 28.5 16.3 22.1 17.4 112,077 79.5 32.3 24.1 14.7 15.2 59,641 68.3 30.3 21.3 30.4 15.0 8,019 71.1 24.0 13.2 27.6 18.8 9,681 80.8 29.6 16.5 27.4 17.3 188,110 76.7 32.0 22.7 20.0 15.0 7,731 79.3 19.6 21.5 19.0 29.9 5,975 65.7 39.2 13.1 22.7 19.6 715 76.1 20.0 12.7 32.8 1.5 18,304 61.9 34.6 12.2 32.0 10.0 182,797 78.0 31.4 23.4 18.8 16.3 19,053 80.1 34.8 30.8 32.5 16.6 16,003 60.4 35.2 23.8 33.3 13.6 9,041 63.0 27.7 31.0 40.7 16.9 2,543 54.3 30.5 38.1 35.6 27.0 155,176 78.9 31.2 20.4 15.7 15.5 Ⅲ 통계편2.2 16 년경영상황부진원인 Ⅲ. 통계편 101
2.2 16 년경영상황부진원인 ( 계속 ) 20 이상 초과 ~3 미만 3 이상상장기업비상장외감기업비외감기업원청기업 인력부족 채산성악화 납품기업과관계악화 사업장임차료상승 ( 단위 : 개, %, 복수응답 ) 환차손 기타 201,816 3.3 3.3 2.2 1.7 1.2 2.0 54,240 6.2 6.5 4.3 0.8 1.9 1.4 14,686 3.1 3.1 3.7 0.9 0.0 0.0 37,284 2.0 1.7 2.5 1.6 1.3 3.2 8,394 6.5 2.8 1.5 1.8 0.0 1.5 40,810 0.4 0.5 0.0 1.6 0.0 3.2 4,467 2.7 3.2 0.3 1.2 1.7 2.7 3,013 0.0 8.6 0.0 1.8 0.0 2.6 7,332 1.4 1.2 1.0 0.0 2.9 2.9 4,984 0.6 2.2 5.0 3.4 6.8 0.0 8,246 0.0 0.0 0.0 8.6 0.0 0.0 5,660 2.9 6.9 0.0 2.0 2.0 2.0 2,941 0.2 0.0 0.0 0.0 0.0 0.0 9,758 9.8 6.3 2.4 3.0 2.3 0.8 144,582 2.6 2.5 2.6 1.7 1.4 2.1 33,231 5.7 5.2 0.4 1.3 0.6 1.7 17,249 4.0 4.4 2.5 2.0 0.7 2.3 4,607 2.2 6.8 4.4 0.0 2.6 0.0 1,726 11.8 7.6 0.0 2.1 3.3 1.4 421 9.9 20.7 1.3 4.7 2.6 0.0 195,062 3.3 3.1 2.2 1.7 1.2 2.0 6,753 5.1 7.9 3.1 0.8 2.8 0.4 44,760 4.4 2.1 3.7 3.2 0.7 0.9 51,821 3.4 3.1 1.3 1.3 0.8 2.4 46,267 2.0 2.0 1.6 1.1 0.5 0.8 29,047 3.6 6.4 2.0 2.1 3.4 3.0 29,919 3.5 4.4 2.8 0.4 1.9 3.7 112,077 3.1 1.7 2.1 1.4 0.5 1.9 59,641 4.9 5.7 2.4 1.6 2.7 2.7 8,019 2.2 9.0 2.1 1.9 2.1 2.1 9,681 1.9 5.9 3.2 0.7 1.6 0.8 188,110 3.2 3.2 2.2 1.7 0.9 2.0 7,731 7.3 5.4 0.4 0.7 1.0 2.0 5,975 2.7 4.1 6.5 2.5 12.5 2.2 715 12.0 4.9 0.0 0.8 6.7 0.0 18,304 3.5 3.5 0.6 0.6 1.9 2.3 182,797 3.3 3.3 2.4 1.8 1.1 1.9 19,053 1.9 5.7 0.0 0.1 1.3 1.6 16,003 8.6 4.5 3.5 0.3 2.1 0.5 9,041 9.5 2.9 6.0 1.7 1.0 0.0 2,543 27.5 3.9 5.9 2.4 2.4 0.0 155,176 2.2 2.9 2.1 2.0 1.1 2.3 102 2017 년중소기업금융실태조사
매우증가 다소증가 동일 다소감소 ( 단위 : 개, %) 498,292 2.1 20.0 56.3 18.7 3.0 135,922 4.2 25.4 52.7 15.6 2.2 46,515 2.0 23.1 55.0 17.3 2.6 92,059 1.0 16.7 52.3 26.7 3.4 16,037 0.0 11.3 66.7 18.5 3.5 75,063 1.0 16.5 58.7 19.6 4.2 13,820 2.7 28.9 56.5 11.8 0.0 7,739 0.0 15.1 58.8 21.5 4.6 27,666 0.4 22.2 66.1 9.4 1.9 14,180 0.7 15.8 65.3 15.5 2.7 17,778 1.2 19.7 42.1 31.3 5.7 24,717 1.0 14.9 74.0 10.1 0.0 7,409 0.0 11.3 60.1 25.1 3.5 19,387 4.8 16.8 52.3 20.5 5.6 322,381 1.9 18.2 56.4 20.1 3.4 102,776 2.8 24.3 54.4 16.3 2.2 51,881 1.6 21.0 58.4 17.0 1.9 초과 ~3 미만 3 이상상장기업비상장외감기업비외감기업원청기업 매우감소 13,829 1.5 21.4 58.7 16.4 2.0 5,950 2.1 23.6 59.2 13.6 1.4 1,475 3.6 34.7 52.9 7.7 1.1 477,038 2.1 19.8 56.2 18.9 3.0 21,254 1.8 23.0 58.4 15.0 1.7 124,295 2.3 23.1 52.8 19.1 2.7 127,263 2.1 20.6 53.8 19.3 4.1 102,890 1.7 17.0 60.2 18.3 2.9 72,761 2.0 19.3 57.5 19.6 1.6 71,083 2.1 18.6 59.7 16.9 2.7 234,696 2.1 18.6 56.7 19.0 3.6 164,893 2.3 21.5 54.2 19.0 2.9 37,040 2.0 22.6 59.0 15.7 0.6 38,751 1.3 25.1 58.6 14.1 0.9 460,155 1.9 19.2 56.8 19.0 3.1 22,550 4.5 31.5 48.1 14.0 1.9 15,588 3.3 25.5 51.1 19.4 0.7 1,737 1.4 18.7 59.9 11.3 8.7 51,664 1.6 21.8 52.6 20.5 3.4 444,890 2.1 19.8 56.7 18.6 2.9 47,332 1.7 20.4 52.9 21.2 3.8 50,922 3.7 22.2 55.2 17.4 1.5 21,146 5.1 27.4 48.2 18.3 0.9 5,952 3.6 28.0 38.6 22.2 7.6 372,940 1.7 19.1 57.6 18.6 3.1 Ⅲ 통계편3.1 17 년자금수요전망 Ⅲ. 통계편 103
3.2 17 년자금수요증가에대한향후조달계획 초과 ~3 미만 3 이상상장기업비상장외감기업비외감기업원청기업 회사내부자금 ( 개인기업의경우대표이사개인자금 ) 은행차입 비은행금융기관차입 ( 단위 : 개, %, 복수응답 ) 사채 ( 대부업체, 친 인척, 주식혹은기타지인, 친구회사채발행포함 ) 109,831 68.2 39.4 3.6 2.8 0.6 3.2 40,162 59.6 51.0 6.1 4.5 1.1 3.7 11,681 65.8 42.3 0.0 5.8 0.0 2.7 16,229 78.5 30.9 2.7 0.0 0.1 2.7 1,819 67.7 36.7 12.3 1.0 0.0 0.0 13,103 73.0 27.0 0.0 0.0 0.0 5.0 4,376 78.4 32.4 2.9 2.8 3.0 1.5 1,165 80.1 35.3 4.6 0.0 0.0 0.0 6,272 78.1 20.8 0.2 1.5 1.4 6.7 2,338 85.8 29.3 0.0 3.9 0.0 0.0 3,722 56.4 43.6 9.5 0.0 0.0 0.0 3,930 71.7 32.5 0.0 7.1 0.0 0.0 836 93.7 6.3 0.0 0.0 0.0 21.3 4,197 67.3 44.6 7.6 0.0 0.0 0.0 64,958 67.2 37.7 4.0 4.0 0.0 4.3 27,858 69.0 39.6 3.6 1.6 1.4 2.0 11,748 73.6 43.5 2.6 0.0 1.0 0.4 3,168 65.1 50.8 0.4 0.0 3.0 1.2 1,534 66.3 51.5 1.7 1.7 4.1 1.7 565 58.4 48.1 1.0 2.1 2.4 8.9 104,564 68.4 38.8 3.7 2.9 0.5 3.3 5,267 64.7 50.7 0.8 0.7 3.3 2.2 31,530 66.2 43.2 3.2 3.4 0.4 2.7 28,888 65.7 41.9 5.0 1.9 0.6 5.4 19,194 71.8 32.9 2.0 4.6 0.8 1.3 15,487 74.6 33.3 2.9 1.1 0.6 2.5 14,733 66.3 41.4 4.6 2.9 0.7 3.5 48,600 68.8 33.6 5.2 4.3 0.4 4.2 39,302 68.3 43.2 3.1 1.8 0.7 3.1 9,128 62.7 50.6 0.7 1.1 0.0 0.0 10,231 67.7 45.8 1.4 1.8 2.1 2.4 97,232 69.0 37.3 3.3 3.2 0.5 3.5 8,119 65.0 52.8 3.0 0.0 1.1 0.8 4,481 56.9 62.0 10.3 0.3 3.1 2.6 349 55.1 52.9 5.1 3.9 16.2 0.0 12,090 73.0 37.8 0.7 0.0 2.7 2.3 97,392 67.7 39.6 4.0 3.2 0.3 3.4 10,454 73.3 31.1 5.7 2.8 0.7 3.9 13,200 66.8 46.7 6.7 2.8 1.0 0.7 6,886 47.6 67.1 5.1 4.5 0.3 0.1 1,882 48.5 63.2 8.0 8.0 0.0 11.3 77,410 70.1 36.2 2.6 2.5 0.6 3.7 104 2017 년중소기업금융실태조사
초과 ~3 미만 3 이상상장기업비상장외감기업비외감기업원청기업 인건비지급 구매대금지급 설비 투자주 ) 기존대출원리금상환 109,831 55.6 51.4 26.3 14.0 40,162 44.8 54.7 36.0 15.5 11,681 68.9 50.6 16.0 11.5 16,229 35.9 67.1 14.8 19.4 1,819 39.1 45.3 38.7 9.9 13,103 88.0 58.7 18.5 11.5 4,376 67.4 32.8 19.6 3.1 1,165 38.0 53.4 0.0 42.1 6,272 58.2 37.7 11.7 5.5 2,338 67.9 30.8 12.1 15.6 3,722 59.0 3.1 43.6 24.7 3,930 66.7 50.2 43.9 1.4 836 74.5 66.2 48.3 22.8 4,197 70.0 32.6 33.7 10.5 64,958 56.2 48.5 24.3 16.3 27,858 53.9 57.2 28.3 9.8 11,748 55.7 53.9 29.5 10.3 3,168 62.3 54.6 33.6 15.1 1,534 46.7 46.2 36.1 16.7 565 66.4 35.6 28.8 13.2 104,564 55.5 51.4 25.9 13.9 5,267 58.2 50.1 33.8 15.4 31,530 59.5 51.1 25.4 17.5 28,888 56.7 52.9 26.3 15.8 19,194 52.5 51.5 28.2 6.7 15,487 53.8 51.1 21.4 18.3 14,733 51.3 49.1 30.7 7.8 48,600 61.3 45.0 25.9 14.6 39,302 53.6 56.4 27.9 13.7 9,128 50.5 64.7 23.9 8.0 10,231 40.8 59.2 29.4 9.6 97,232 59.2 50.9 25.5 13.6 8,119 28.0 56.8 35.5 14.4 4,481 27.4 51.0 27.5 22.0 349 29.1 59.5 55.9 3.1 12,090 46.9 54.4 26.9 14.4 97,392 56.8 51.0 26.1 14.0 10,454 59.2 56.6 21.7 16.1 13,200 54.7 50.5 28.6 13.2 6,886 45.7 47.9 44.8 20.4 1,882 60.6 46.2 41.0 11.1 77,410 56.1 51.3 24.5 13.3 연구개발 (R&D) 투자 9.2 12.7 3.7 4.5 0.0 0.0 20.5 15.4 21.0 0.0 31.3 5.7 9.7 0.0 6.6 13.9 13.0 6.0 14.1 3.9 9.3 8.1 9.3 8.9 8.5 6.7 13.2 7.4 11.7 10.0 7.5 7.6 21.6 21.1 19.0 9.7 9.1 9.3 8.8 7.5 8.0 9.4 임차료지급 6.7 4.4 5.8 7.2 6.5 10.0 3.5 6.8 0.0 7.5 15.2 11.1 22.8 18.5 7.0 8.4 2.8 3.2 4.7 0.0 6.9 3.3 8.6 5.8 10.8 4.7 1.6 9.9 3.8 8.3 3.1 6.9 7.4 3.2 0.0 3.9 7.1 3.4 2.8 10.4 3.3 7.6 ( 단위 : 개, %, 복수응답 ) 인수합병 (M&A) 자금 기타 0.3 4.2 0.7 2.7 0.0 2.3 0.0 9.1 1.0 5.9 0.0 5.0 0.0 4.2 0.0 0.0 0.2 6.5 0.0 9.2 0.0 0.0 0.0 0.0 1.4 0.0 0.0 5.2 0.2 5.4 0.0 3.1 1.3 0.9 0.0 2.1 2.6 6.0 0.0 2.6 0.3 4.3 0.8 3.3 0.0 3.4 0.9 3.8 0.1 5.3 0.0 5.6 0.5 3.9 0.0 5.5 0.5 3.8 0.9 0.5 0.6 3.9 0.3 4.3 0.6 0.2 0.0 9.3 0.0 0.0 0.9 2.5 0.2 4.5 0.0 7.5 0.1 2.0 0.7 2.2 0.0 0.0 0.4 4.4 Ⅲ 통계편3.3 17 년자금수요증가예상이유 주 : 설비투자란공장신 증축, 토지 기계 사업장구입등 Ⅲ. 통계편 105
3.4 17 년자금수요감소예상이유 초과 ~3 미만 3 이상상장기업비상장외감기업비외감기업원청기업 매출감소로인한자금수요감소 불확실한미래에대비한보수적인자금운용 원금상환등으로금융비용감소 시설투자계획없음 자산매각, 인력감축등실시 ( 단위 : 개, %, 복수응답 ) 매출증가로인한내부자금여유 기타 108,122 91.8 11.5 4.4 3.6 3.5 2.7 0.7 24,188 89.1 15.8 4.0 10.2 5.9 2.8 1.5 9,250 95.8 10.7 4.9 1.5 5.9 3.8 0.0 27,674 90.9 18.3 7.9 1.1 1.6 0.5 0.0 3,518 97.6 2.4 3.9 0.0 8.9 0.0 4.0 17,912 94.0 3.8 1.1 0.0 3.7 5.0 0.0 1,630 92.3 8.1 4.0 11.2 0.0 4.5 0.0 2,023 100.0 0.0 0.0 0.0 0.0 0.0 0.0 3,119 94.0 3.1 0.0 3.1 6.9 2.9 0.0 2,582 62.4 28.9 0.0 6.2 1.9 8.8 4.8 6,568 97.2 0.0 5.4 5.4 0.0 2.8 0.0 2,488 93.9 1.6 9.0 0.8 0.0 4.5 0.0 2,117 86.0 8.4 9.0 8.7 0.3 5.0 0.0 5,053 94.1 12.2 0.0 0.0 2.0 1.5 2.0 75,695 93.4 12.7 4.2 3.4 3.3 1.4 0.6 19,037 90.0 7.8 5.1 5.3 3.3 3.3 1.0 9,824 84.3 7.2 4.4 1.2 4.8 10.8 0.5 2,543 87.3 20.9 4.6 4.0 3.2 5.5 0.0 893 80.4 12.8 7.3 6.7 11.0 4.0 7.1 130 86.8 16.8 4.2 4.2 22.0 9.0 0.0 104,556 92.0 11.3 4.4 3.6 3.4 2.6 0.6 3,566 85.6 18.8 5.3 4.7 5.9 5.3 1.8 27,156 89.4 10.5 2.9 2.5 3.3 5.2 1.3 29,851 92.7 11.9 4.6 3.8 2.6 1.7 0.0 21,799 94.0 13.7 2.9 4.2 4.7 1.6 0.0 15,402 88.6 13.5 4.2 0.5 2.8 1.8 1.1 13,914 94.4 7.0 9.6 7.8 4.5 2.8 1.5 53,074 95.1 10.2 4.0 4.7 3.0 1.2 1.0 36,139 89.4 13.2 5.1 2.8 2.3 2.8 0.0 6,057 85.0 21.8 3.7 0.1 6.2 5.3 0.3 5,816 87.7 9.3 2.7 4.0 12.9 5.4 3.1 101,406 92.2 11.8 3.9 3.0 2.9 2.6 0.6 3,577 85.5 11.7 11.2 19.7 4.2 7.3 0.4 3,138 83.3 2.2 14.5 3.3 21.9 1.0 2.0 347 93.8 10.2 0.0 2.3 3.9 0.0 0.0 12,383 87.1 7.8 3.1 4.4 8.3 7.1 0.5 95,392 92.4 12.0 4.6 3.5 2.9 2.2 0.7 11,854 95.7 10.0 4.6 2.8 2.7 1.4 0.0 9,619 94.8 9.3 2.9 2.6 10.7 0.8 0.3 4,057 91.5 17.2 10.9 9.2 12.0 4.9 3.7 1,775 86.1 20.5 0.0 23.1 23.3 0.0 0.0 80,816 91.0 11.5 4.3 3.1 1.9 3.1 0.7 106 2017 년중소기업금융실태조사
초과 ~3 미만 3 이상상장기업비상장외감기업비외감기업원청기업 외부차입금있음 외부차입금없음 498,292 57.2 42.8 135,922 69.6 30.4 46,515 63.5 36.5 92,059 53.9 46.1 16,037 36.3 63.7 75,063 56.4 43.6 13,820 64.5 35.5 7,739 52.7 47.3 27,666 44.2 55.8 14,180 36.3 63.7 17,778 43.5 56.5 24,717 44.0 56.0 7,409 50.4 49.6 19,387 53.5 46.5 322,381 53.8 46.2 102,776 62.5 37.5 51,881 64.5 35.5 13,829 65.9 34.1 5,950 65.4 34.6 1,475 66.7 33.3 477,038 56.8 43.2 21,254 65.8 34.2 124,295 54.1 45.9 127,263 57.5 42.5 102,890 54.1 45.9 72,761 63.6 36.4 71,083 60.1 39.9 234,696 51.2 48.8 164,893 62.4 37.6 37,040 68.5 31.5 38,751 67.7 32.3 460,155 56.1 43.9 22,550 71.3 28.7 15,588 70.4 29.6 1,737 73.5 26.5 51,664 64.9 35.1 444,890 56.2 43.8 47,332 66.3 33.7 50,922 65.2 34.8 21,146 72.2 27.8 5,952 65.6 34.4 372,940 54.0 46.0 ( 단위 : 개, %) Ⅲ 통계편4.1 16 년말외부차입금보유여부 ( 잔액기준 ) Ⅲ. 통계편 107
4.2 16 년말외부차입금미보유이유 초과 ~3 미만 3 이상상장기업비상장외감기업비외감기업원청기업 내부유보자금으로필요자금충당이가능 외부차입보다는대표이사 (ceo) 의담보부족등으로기업공개, 유상증자무차입경영철학금융기관대출이등주식을통한실현어려움자금조달선호 ( 단위 : 개, %) 기타 213,269 90.7 5.1 3.5 0.2 0.5 41,255 83.9 9.4 5.5 0.4 0.7 16,981 85.5 7.9 6.6 0.0 0.0 42,472 91.6 3.6 3.8 0.0 1.0 10,223 94.5 2.5 1.7 0.0 1.2 32,745 95.7 2.1 2.0 0.2 0.0 4,908 94.1 1.1 2.4 0.0 2.4 3,661 81.7 13.4 4.9 0.0 0.0 15,425 93.6 5.8 0.6 0.0 0.0 9,036 94.5 2.8 0.7 1.9 0.0 10,039 87.3 3.5 9.1 0.0 0.0 13,832 100.0 0.0 0.0 0.0 0.0 3,677 97.9 0.2 0.0 0.0 1.9 9,015 84.6 13.2 2.2 0.0 0.0 149,013 90.0 5.9 3.4 0.2 0.6 38,572 91.3 3.5 4.6 0.0 0.5 18,417 95.2 2.1 2.5 0.3 0.0 4,717 92.4 4.6 2.6 0.0 0.4 2,059 89.4 8.3 2.0 0.4 0.0 491 85.7 12.1 1.1 1.1 0.0 206,002 90.7 5.1 3.5 0.2 0.5 7,266 91.1 6.1 2.3 0.2 0.3 57,063 91.9 3.7 4.1 0.0 0.3 54,081 88.8 5.9 4.8 0.3 0.2 47,274 92.4 3.5 2.5 0.3 1.3 26,499 91.7 6.8 1.4 0.0 0.0 28,352 88.4 7.7 3.2 0.2 0.5 114,555 89.9 5.6 3.6 0.1 0.7 61,927 90.4 5.7 3.2 0.4 0.3 11,657 94.4 3.0 2.6 0.0 0.0 12,524 91.9 4.7 3.1 0.1 0.2 202,167 90.9 4.8 3.6 0.2 0.5 6,481 82.8 16.2 0.9 0.1 0.0 4,621 92.0 3.8 3.8 0.0 0.4 460 91.2 6.4 1.2 1.2 0.0 18,153 89.5 5.2 3.9 0.4 1.0 194,656 90.8 5.1 3.5 0.2 0.4 15,943 92.0 6.7 1.3 0.0 0.0 17,698 82.0 13.9 2.8 0.1 1.1 5,879 67.7 10.9 18.8 2.6 0.0 2,046 89.6 10.4 0.0 0.0 0.0 171,703 92.3 3.8 3.3 0.1 0.5 108 2017 년중소기업금융실태조사
초과 ~3 미만 3 이상상장기업비상장외감기업비외감기업원청기업 매우원활 원활보통곤란 매우곤란 ( 단위 : 개, %) 거절 / 무응답 498,292 1.3 20.0 65.0 12.0 1.6 0.2 135,922 1.0 23.5 59.7 13.4 2.3 0.1 46,515 0.9 22.0 64.2 10.0 2.7 0.2 92,059 0.8 21.7 64.6 11.5 1.4 0.0 16,037 0.8 14.9 75.7 8.6 0.0 0.0 75,063 0.9 17.3 65.5 15.4 0.9 0.0 13,820 7.3 17.5 63.4 10.9 0.8 0.0 7,739 0.0 24.0 63.7 12.3 0.0 0.0 27,666 6.4 10.6 74.8 7.4 0.8 0.0 14,180 0.9 24.1 66.0 8.4 0.6 0.0 17,778 0.0 9.7 71.7 13.4 2.6 2.6 24,717 0.2 25.5 69.2 5.1 0.0 0.0 7,409 0.1 12.2 77.6 7.6 2.6 0.0 19,387 0.2 13.2 65.0 17.8 3.3 0.5 322,381 1.3 16.9 66.5 13.1 2.1 0.1 102,776 1.0 22.9 63.6 11.0 1.2 0.3 51,881 0.5 29.3 61.1 9.0 0.0 0.1 13,829 2.6 28.9 60.5 6.1 1.0 0.9 5,950 5.7 32.5 52.6 8.6 0.3 0.2 1,475 3.5 43.3 47.5 5.2 0.0 0.5 477,038 1.2 19.5 65.3 12.2 1.7 0.1 21,254 3.6 30.9 57.4 6.7 0.7 0.7 124,295 1.4 18.3 64.6 12.6 2.7 0.5 127,263 0.9 21.0 60.8 15.0 2.2 0.1 102,890 1.5 17.8 69.1 10.8 0.9 0.0 72,761 1.7 18.9 67.5 11.2 0.7 0.0 71,083 1.0 25.5 64.6 8.0 0.6 0.2 234,696 1.4 14.0 66.7 15.9 1.7 0.2 164,893 1.2 22.7 65.1 9.3 1.6 0.1 37,040 1.0 34.1 58.5 5.7 0.5 0.0 38,751 2.0 34.4 58.4 4.4 0.5 0.3 460,155 1.3 19.6 65.0 12.3 1.6 0.2 22,550 0.4 23.1 65.6 8.7 2.1 0.0 15,588 1.8 26.3 62.6 9.0 0.3 0.0 1,737 5.3 29.4 63.2 1.2 0.0 0.8 51,664 1.1 28.3 59.8 8.2 2.3 0.3 444,890 1.3 19.0 65.6 12.5 1.5 0.1 47,332 0.9 26.2 57.9 14.0 1.0 0.0 50,922 1.4 26.9 59.8 10.8 1.0 0.1 21,146 0.4 25.4 53.6 15.8 4.7 0.0 5,952 2.0 33.9 41.2 15.8 7.1 0.0 372,940 1.3 17.7 67.6 11.6 1.5 0.2 Ⅲ 통계편5.1 16 년외부자금조달사정 Ⅲ. 통계편 109
6.1 17 년외부자금조달사정예상 ( 단위 : 개, %) 매우원활 원활보통곤란 매우곤란 거절 / 무응답 초과 ~3 미만 3 이상상장기업비상장외감기업비외감기업원청기업 498,292 1.3 18.1 63.5 14.5 2.5 0.1 135,922 1.1 21.6 58.5 16.0 2.8 0.0 46,515 0.9 19.8 63.7 12.2 3.2 0.2 92,059 0.5 18.9 61.7 15.6 3.4 0.0 16,037 1.3 14.2 76.1 8.4 0.0 0.0 75,063 0.9 12.4 63.4 19.9 3.5 0.0 13,820 6.9 18.5 65.5 8.2 0.8 0.0 7,739 2.3 19.7 65.4 12.6 0.0 0.0 27,666 6.4 12.3 73.6 6.2 1.6 0.0 14,180 0.9 24.2 65.8 7.9 1.2 0.0 17,778 0.0 7.9 75.6 14.0 0.0 2.6 24,717 0.2 26.3 67.5 6.0 0.0 0.0 7,409 0.1 10.3 73.9 13.1 2.6 0.0 19,387 0.2 16.0 58.8 21.7 2.8 0.5 322,381 1.3 14.9 64.6 15.7 3.4 0.1 102,776 1.0 21.1 62.7 14.0 1.0 0.2 51,881 0.6 27.6 60.9 10.2 0.6 0.0 13,829 2.5 27.0 60.3 8.3 1.0 0.9 5,950 4.7 31.5 52.9 9.6 1.0 0.2 1,475 3.5 38.2 48.7 9.0 0.0 0.5 477,038 1.2 17.6 63.8 14.7 2.6 0.1 21,254 3.2 29.1 57.4 8.7 0.9 0.7 124,295 1.5 17.7 62.4 15.1 3.1 0.4 127,263 0.6 18.1 62.6 15.9 2.8 0.1 102,890 1.4 15.7 66.3 14.8 1.8 0.0 72,761 1.9 17.0 64.5 13.6 2.9 0.0 71,083 1.3 23.5 62.1 11.3 1.5 0.2 234,696 1.5 12.5 65.4 17.0 3.5 0.2 164,893 1.2 20.6 62.7 13.5 1.9 0.1 37,040 0.7 29.6 57.2 11.8 0.6 0.0 38,751 1.7 34.2 58.8 4.3 0.7 0.3 460,155 1.3 17.9 63.3 14.7 2.6 0.2 22,550 0.4 20.6 68.7 9.1 1.2 0.0 15,588 1.5 21.6 61.7 14.5 0.7 0.0 1,737 4.7 20.7 71.7 2.0 0.0 0.8 51,664 1.2 25.6 60.8 9.2 3.0 0.2 444,890 1.3 17.2 63.8 15.1 2.4 0.1 47,332 0.6 27.1 55.7 15.0 1.6 0.0 50,922 1.0 23.1 59.1 13.5 3.2 0.1 21,146 0.1 23.9 53.7 16.3 6.0 0.0 5,952 0.0 23.7 45.8 24.3 6.1 0.0 372,940 1.5 15.9 65.9 14.3 2.3 0.2 110 2017 년중소기업금융실태조사
초과 ~3 미만 3 이상상장기업비상장외감기업비외감기업원청기업 은행 정책자금 비은행금융기관 사채 주식, 회사채 ( 단위 : 개, %) 기타 147,756 60.5 20.1 9.4 6.8 1.2 2.0 57,979 57.4 26.2 5.6 7.9 1.6 1.3 16,715 48.3 12.3 17.3 11.7 0.6 9.8 24,686 66.7 22.4 5.8 4.2 0.9 0.1 3,435 71.5 9.9 11.9 0.1 2.9 3.6 18,594 65.8 14.7 15.6 3.9 0.0 0.0 4,994 52.9 21.1 7.0 13.3 2.8 2.9 2,640 65.1 10.6 12.7 0.7 4.7 6.1 4,189 76.5 13.3 4.5 1.9 3.1 0.7 2,181 45.0 29.5 22.7 2.5 0.3 0.0 3,102 64.4 12.2 12.1 11.4 0.0 0.0 2,771 86.5 2.7 10.9 0.0 0.0 0.0 1,058 73.3 16.9 6.3 0.7 0.0 2.8 5,413 58.9 12.4 17.8 10.7 0.0 0.3 88,249 56.2 19.6 11.7 9.2 0.6 2.7 32,496 64.5 20.6 7.5 4.8 2.2 0.4 19,276 68.3 23.1 4.9 1.4 1.2 1.1 4,679 74.3 18.2 1.5 2.2 2.1 1.7 2,437 71.8 12.5 3.8 0.7 5.8 5.4 618 71.9 10.8 4.2 1.3 6.6 5.2 140,022 59.8 20.3 9.8 7.1 1.1 1.9 7,734 73.3 15.8 2.4 1.7 3.6 3.1 34,547 53.8 23.2 12.3 7.1 1.3 2.3 39,358 57.0 23.5 9.9 6.5 1.4 1.6 27,228 66.0 18.6 6.7 6.4 0.3 1.9 23,092 68.1 16.1 7.0 6.4 0.5 1.8 23,531 62.2 15.5 9.9 7.6 2.4 2.4 62,015 55.7 17.1 14.0 9.9 1.2 2.1 52,929 61.3 22.9 7.2 5.5 1.1 2.0 13,992 68.8 22.0 3.3 3.6 0.5 1.7 16,004 68.0 24.0 2.7 1.0 2.1 2.1 130,600 61.4 18.1 10.3 7.2 1.1 1.9 10,354 55.6 31.4 3.2 4.5 2.4 2.9 6,802 50.4 40.6 1.9 2.8 1.4 3.0 1,037 28.5 6.4 19.1 4.5 39.1 2.3 20,686 65.2 19.6 6.9 2.7 1.7 3.9 126,032 60.0 20.3 9.8 7.5 0.8 1.7 15,128 61.5 24.6 7.3 3.4 1.3 2.0 17,669 55.0 22.3 7.3 8.9 1.9 4.6 9,990 42.6 28.5 13.2 11.5 0.2 4.0 2,111 44.9 16.0 18.6 20.5 0.0 0.0 102,857 63.4 18.3 9.5 6.2 1.2 1.4 Ⅲ 통계편7.1 16 년신규조달자금원천별비중 ( 금액기준 ) Ⅲ. 통계편 111
8.1 16 년신규조달자금평균대출금리 ( 은행 : 담보대출 ) ( 단위 : 개, %, 개월 ) 5% 미만 5~1 미만 10~15% 미만 20~3 미만 3 이상 거절 / 무응답 평균대출금리 초과 ~3 미만 3 이상상장기업비상장외감기업비외감기업원청기업 55,945 86.7 8.3 0.2 1.2 0.0 3.5 3.82 21,271 86.7 8.7 0.0 0.0 0.1 4.5 3.60 3,877 88.3 11.7 0.0 0.0 0.0 0.0 3.59 10,469 84.8 10.9 0.0 0.0 0.0 4.2 3.62 1,561 73.3 12.1 7.9 0.0 0.0 6.7 4.30 8,775 88.3 4.2 0.0 7.5 0.0 0.0 4.90 763 90.7 9.3 0.0 0.0 0.0 0.0 3.56 1,374 96.1 3.9 0.0 0.0 0.0 0.0 3.52 1,569 73.4 12.8 0.0 0.0 0.0 13.8 3.74 451 58.9 37.5 0.0 0.0 0.0 3.5 4.31 1,039 89.8 10.2 0.0 0.0 0.0 0.0 3.14 1,786 97.0 3.0 0.0 0.0 0.0 0.0 3.70 589 100.0 0.0 0.0 0.0 0.0 0.0 3.43 2,421 90.9 0.0 0.0 0.0 0.0 9.1 3.43 31,195 87.0 6.3 0.4 2.1 0.0 4.3 3.95 13,483 84.5 14.1 0.0 0.0 0.0 1.4 3.77 7,337 86.8 8.0 0.0 0.0 0.0 5.2 3.56 2,554 93.0 5.6 0.0 0.0 0.7 0.7 3.67 1,071 89.8 6.2 0.0 0.0 0.0 4.0 3.25 304 98.2 1.8 0.0 0.0 0.0 0.0 2.94 52,016 86.3 8.5 0.2 1.3 0.0 3.7 3.85 3,929 92.5 5.4 0.0 0.0 0.5 1.6 3.50 9,731 89.6 7.2 1.3 0.0 0.0 1.9 3.74 13,035 77.4 9.6 0.0 5.0 0.0 7.9 4.59 11,977 88.6 11.4 0.0 0.0 0.0 0.0 3.62 10,442 92.1 3.6 0.0 0.0 0.0 4.3 3.43 10,760 88.2 8.9 0.0 0.0 0.2 2.8 3.64 22,053 86.8 6.1 0.6 3.0 0.0 3.6 4.20 20,070 84.7 11.0 0.0 0.0 0.0 4.3 3.62 4,937 82.3 14.7 0.0 0.0 0.0 3.0 3.70 7,615 92.5 5.1 0.0 0.0 0.2 2.1 3.31 49,124 87.3 7.9 0.3 1.3 0.0 3.2 3.88 4,591 76.8 14.4 0.0 0.0 0.0 8.7 3.58 2,231 94.6 5.1 0.0 0.0 0.0 0.4 3.17 283 98.1 1.9 0.0 0.0 0.0 0.0 3.20 8,052 87.3 9.8 0.0 0.0 0.2 2.6 3.58 47,609 86.6 8.1 0.3 1.4 0.0 3.7 3.87 5,714 82.8 8.0 0.0 0.0 0.0 9.2 3.60 5,730 93.9 3.2 0.0 0.0 0.0 2.9 3.32 2,324 94.5 0.3 0.0 0.0 0.0 5.2 3.55 580 98.6 1.4 0.0 0.0 0.0 0.0 2.83 41,597 85.7 9.6 0.3 1.6 0.0 2.8 3.95 112 2017 년중소기업금융실태조사
초과 ~3 미만 3 이상상장기업비상장외감기업비외감기업원청기업 5% 미만 5~1 미만 10~15% 미만 거절 / 무응답 ( 단위 : 개, %) 평균대출금리 25,300 85.8 6.2 0.3 7.8 3.24 14,133 88.9 4.3 0.0 6.8 3.10 1,772 92.4 7.6 0.0 0.0 3.71 4,394 77.4 12.6 0.0 10.1 3.35 428 75.7 0.0 0.0 24.3 2.82 726 100.0 0.0 0.0 0.0 2.39 761 80.6 10.9 8.5 0.0 3.93 616 70.9 29.1 0.0 0.0 4.65 795 72.8 0.0 0.0 27.2 3.61 449 92.5 3.9 0.0 3.5 2.10 333 100.0 0.0 0.0 0.0 2.76 74 100.0 0.0 0.0 0.0 3.71 178 100.0 0.0 0.0 0.0 4.00 641 65.7 0.0 0.0 34.3 3.55 14,673 85.7 5.3 0.0 9.1 3.06 5,333 88.1 7.2 1.2 3.5 3.54 3,779 80.3 9.5 0.0 10.2 3.69 941 96.7 1.3 0.0 2.0 2.71 436 85.1 5.1 0.0 9.7 2.61 139 87.3 12.7 0.0 0.0 2.69 23,785 85.4 6.4 0.3 8.0 3.27 1,516 92.5 3.4 0.0 4.1 2.68 6,139 88.9 7.1 1.1 2.9 3.32 8,843 80.1 8.2 0.0 11.6 3.30 3,364 91.8 8.2 0.0 0.0 3.41 3,161 82.0 3.7 0.0 14.3 3.00 3,793 91.7 0.4 0.0 7.9 2.95 7,319 80.3 9.0 0.0 10.8 3.26 10,736 86.3 5.7 0.0 8.0 3.15 3,006 90.0 5.0 0.0 5.0 3.38 4,175 92.4 3.7 0.0 3.9 3.21 19,792 84.3 7.5 0.3 7.8 3.26 2,849 85.0 0.9 0.0 14.1 3.06 2,659 97.4 2.3 0.0 0.3 3.22 94 100.0 0.0 0.0 0.0 3.66 3,760 90.1 2.5 1.7 5.6 3.08 21,446 85.0 6.9 0.0 8.2 3.26 3,587 67.8 17.5 0.0 14.7 3.58 2,659 88.3 5.5 0.0 6.2 3.51 2,199 91.7 2.8 0.0 5.5 3.46 70 88.5 11.5 0.0 0.0 3.23 16,785 88.4 4.3 0.4 6.8 3.09 Ⅲ 통계편8.2 16 년신규조달자금평균대출금리 ( 은행 : 신용보증서담보대출 ) Ⅲ. 통계편 113
8.3 16 년신규조달자금평균대출금리 ( 은행 : 신용대출 ) ( 단위 : 개, %) 5% 미만 5~1 미만 10~15% 미만 20~3 미만 거절 / 무응답 평균대출금리 51,605 74.6 20.9 0.7 0.0 3.8 4.11 18,629 77.1 16.9 0.8 0.0 5.2 3.93 6,185 75.8 24.2 0.0 0.0 0.0 4.28 9,627 72.1 23.3 0.0 0.0 4.6 4.06 1,165 64.2 16.3 10.6 0.0 8.9 4.63 5,918 77.8 22.2 0.0 0.0 0.0 4.43 2,012 86.8 13.2 0.0 0.0 0.0 3.50 산업 801 38.8 61.2 0.0 0.0 0.0 4.74 대분류 2,365 83.3 7.5 0.0 0.0 9.1 3.67 729 43.6 41.7 12.6 0.0 2.2 5.49 1,490 61.6 38.4 0.0 0.0 0.0 4.10 820 74.5 25.5 0.0 0.0 0.0 4.50 244 61.9 38.1 0.0 0.0 0.0 4.62 1,619 68.1 18.3 0.0 0.0 13.6 4.50 29,370 71.1 23.4 0.9 0.0 4.5 4.24 11,566 78.0 19.6 0.8 0.0 1.6 4.04 종사자 7,618 78.4 16.5 0.0 0.0 5.1 3.96 규모 1,629 80.7 18.2 0.0 0.0 1.2 3.69 1,150 87.7 7.9 0.0 0.7 3.7 3.57 271 100.0 0.0 0.0 0.0 0.0 2.99 기업 48,555 73.9 21.4 0.8 0.0 3.9 4.15 규모 3,050 85.1 12.7 0.0 0.3 2.0 3.58 13,929 78.3 20.4 0.0 0.0 1.3 4.10 14,029 68.3 23.5 0.9 0.0 7.3 4.23 기업 7,826 78.8 21.2 0.0 0.0 0.0 4.00 업력 8,104 64.3 28.9 1.1 0.1 5.6 4.33 7,716 85.5 8.7 2.0 0.0 3.9 3.83 18,460 77.0 17.4 1.3 0.0 4.3 4.19 19,285 67.4 27.5 0.6 0.0 4.5 4.25 6,531 79.1 18.6 0.0 0.0 2.3 3.92 5,759 86.3 10.8 0.0 0.1 2.8 3.63 46,369 74.2 21.7 0.8 0.0 3.3 4.15 수출 초과 ~3 미만 3,312 71.0 16.9 0.0 0.0 12.1 3.74 비중 3 이상 1,924 89.9 9.2 0.0 0.4 0.4 3.73 상장및 상장기업 172 95.3 0.0 0.0 4.7 0.0 4.15 외감 비상장외감기업 7,570 82.2 15.0 0.0 0.0 2.8 3.83 여부 비외감기업 43,863 73.2 22.0 0.8 0.0 4.0 4.16 원청기업 5,385 73.8 16.4 0.0 0.0 9.8 4.08 5,977 70.9 26.3 0.0 0.0 2.8 4.20 하도급 3,678 71.7 25.0 0.0 0.0 3.3 4.26 여부 3차협력 426 86.4 13.6 0.0 0.0 0.0 4.01 하도급없음 36,139 75.4 20.4 1.0 0.0 3.2 4.09 114 2017 년중소기업금융실태조사
산업 대분류 종사자 규모 기업 규모 기업 업력 수출 초과 ~3 미만비중 3 이상상장및상장기업외감비상장외감기업여부비외감기업원청기업 하도급 여부 5% 미만 5~1 미만 10~15% 미만 20~3 미만 3 이상 거절 / 무응답 ( 단위 : 개, %) 평균대출금리 10,187 37.1 55.1 1.8 2.2 1.5 2.3 5.94 2,932 30.2 57.8 1.7 0.0 5.1 5.1 6.73 2,198 44.2 49.6 6.1 0.0 0.0 0.0 6.58 735 75.1 24.9 0.0 0.0 0.0 0.0 4.00 119 27.8 0.0 0.0 0.0 0.0 72.2 4.06 1,984 33.2 66.8 0.0 0.0 0.0 0.0 4.44 130 95.2 4.8 0.0 0.0 0.0 0.0 4.10 390 45.9 54.1 0.0 0.0 0.0 0.0 4.66 226 4.3 0.0 0.0 95.7 0.0 0.0 14.49 237 0.0 100.0 0.0 0.0 0.0 0.0 7.72 459 76.9 23.1 0.0 0.0 0.0 0.0 4.23 301 0.0 100.0 0.0 0.0 0.0 0.0 5.47 58 20.5 59.1 0.0 20.5 0.0 0.0 7.26 421 0.0 100.0 0.0 0.0 0.0 0.0 6.26 8,147 35.6 58.1 0.0 2.7 1.8 1.8 6.11 1,145 34.4 53.8 11.8 0.0 0.0 0.0 5.60 657 55.8 23.6 7.6 0.0 0.0 13.0 4.48 99 19.2 80.8 0.0 0.0 0.0 0.0 6.45 118 73.2 16.8 0.0 10.0 0.0 0.0 5.17 21 70.0 30.0 0.0 0.0 0.0 0.0 4.55 9,949 36.8 55.3 1.9 2.2 1.5 2.4 5.95 238 50.5 44.5 0.0 5.0 0.0 0.0 5.65 2,432 45.6 39.3 0.0 8.9 6.2 0.0 7.39 2,509 17.7 72.9 0.0 0.0 0.0 9.4 5.52 1,205 24.0 75.0 0.0 1.0 0.0 0.0 6.34 1,452 66.1 21.2 12.7 0.0 0.0 0.0 4.92 2,589 37.7 62.3 0.0 0.0 0.0 0.0 5.35 5,877 30.9 65.4 0.0 3.7 0.0 0.0 5.82 3,357 51.0 41.9 0.0 0.0 0.0 7.0 5.00 554 20.1 17.2 33.4 2.1 27.2 0.0 13.28 399 34.3 65.7 0.0 0.0 0.0 0.0 4.90 9,681 35.5 57.7 1.9 2.4 1.6 0.9 6.05 328 48.3 5.8 0.0 0.0 0.0 45.9 2.79 178 100.0 0.0 0.0 0.0 0.0 0.0 3.20 182 52.9 0.0 0.0 0.0 0.0 47.1 1.76 1,157 55.8 24.5 0.0 19.7 0.0 0.0 5.97 8,848 34.3 60.2 2.1 0.0 1.7 1.7 5.99 986 30.2 45.9 0.0 0.0 15.3 8.7 9.47 617 67.4 32.6 0.0 0.0 0.0 0.0 4.84 1,128 34.6 53.4 12.0 0.0 0.0 0.0 5.94 213 29.2 70.8 0.0 0.0 0.0 0.0 4.42 7,242 36.1 58.0 0.7 3.1 0.0 2.1 5.64 Ⅲ 통계편8.4 16 년신규조달자금평균대출금리 ( 비은행금융기관 : 담보대출 ) Ⅲ. 통계편 115
8.5 16 년신규조달자금평균대출금리 ( 비은행금융기관 : 신용보증서담보대출 ) ( 단위 : 개, %) 5% 미만 5~1 미만 거절 / 무응답 평균대출금리 3,020 86.9 5.3 7.8 3.35 874 74.9 7.9 17.2 3.52 621 100.0 0.0 0.0 3.45 32 100.0 0.0 0.0 3.98 86 0.0 0.0 100.0-1,316 100.0 0.0 0.0 2.95 - - - - - 산업 - - - - - 대분류 - - - - - 92 0.0 100.0 0.0 7.00 - - - - - - - - - - - - - - - - - - - - 2,191 93.1 0.0 6.9 3.15 424 78.4 21.6 0.0 3.89 종사자 314 56.8 15.9 27.3 3.96 규모 70 72.7 27.3 0.0 4.13 16 100.0 0.0 0.0 2.95 5 100.0 0.0 0.0 2.66 기업 2,928 87.1 4.8 8.1 3.34 규모 91 79.2 20.8 0.0 3.83 256 64.2 35.8 0.0 4.36 1,095 78.4 0.0 21.6 3.10 기업 798 100.0 0.0 0.0 2.94 업력 712 90.3 9.7 0.0 3.62 159 100.0 0.0 0.0 3.95 1,709 94.6 5.4 0.0 3.26 992 76.2 0.0 23.8 3.34 50 0.0 100.0 0.0 7.00 269 92.9 7.1 0.0 3.35 2,837 91.3 5.7 3.0 3.36 수출 초과 ~3 미만 156 3.5 0.0 96.5 2.66 비중 3 이상 27 100.0 0.0 0.0 3.35 상장및 상장기업 94 8.6 0.0 91.4 3.00 외감 비상장외감기업 318 78.3 21.7 0.0 3.79 여부 비외감기업 2,608 90.7 3.5 5.8 3.30 원청기업 125 31.7 0.0 68.3 3.78 하도급 244 92.2 7.8 0.0 3.70 여부 92 0.0 100.0 0.0 7.00 3차협력 2,559 92.2 2.0 5.9 3.17 116 2017 년중소기업금융실태조사
산업 대분류 종사자 규모 기업 규모 기업 업력 수출 초과 ~3 미만비중 3 이상상장및상장기업외감비상장외감기업여부비외감기업원청기업 하도급 여부 5% 미만 5~1 미만 10~15% 미만 15~2 미만 20~3 미만 3 이상 거절 / 무응답 ( 단위 : 개, %) 평균대출금리 9,353 12.5 28.3 24.4 8.9 21.8 1.6 2.5 12.59 2,807 13.1 31.1 19.1 10.7 15.2 5.4 5.4 12.35 1,572 25.9 8.6 48.3 8.6 8.6 0.0 0.0 9.79 1,007 1.3 54.8 0.0 0.0 43.9 0.0 0.0 13.11 480 60.5 21.7 0.0 0.0 0.0 0.0 17.8 4.62 1,974 0.0 33.3 33.3 0.0 33.3 0.0 0.0 15.33 373 16.4 34.8 0.0 31.4 17.4 0.0 0.0 12.12 - - - - - - - - - 73 0.0 100.0 0.0 0.0 0.0 0.0 0.0 5.00 353 0.0 26.0 0.0 48.0 26.0 0.0 0.0 17.22 106 0.0 0.0 0.0 100.0 0.0 0.0 0.0 15.00 - - - - - - - - - 70 34.0 49.1 17.0 0.0 0.0 0.0 0.0 7.94 540 0.0 0.0 59.3 0.0 40.7 0.0 0.0 15.25 6,908 11.9 26.8 25.0 8.5 23.5 2.2 2.2 13.10 1,694 11.6 24.7 24.9 14.2 24.5 0.0 0.0 12.92 621 8.8 56.8 20.6 0.0 0.0 0.0 13.8 7.05 75 49.0 35.3 15.8 0.0 0.0 0.0 0.0 5.78 55 100.0 0.0 0.0 0.0 0.0 0.0 0.0 3.58 9,222 11.6 28.4 24.7 9.0 22.1 1.6 2.6 12.71 130 70.5 20.4 9.1 0.0 0.0 0.0 0.0 4.85 3,296 3.8 44.5 23.3 6.8 21.7 0.0 0.0 11.87 3,293 0.0 12.2 35.6 9.2 31.2 4.6 7.2 16.56 1,312 36.3 27.7 20.8 0.0 15.2 0.0 0.0 9.11 646 30.3 32.1 0.0 23.3 14.2 0.0 0.0 10.51 805 45.8 26.3 9.2 18.7 0.0 0.0 0.0 7.87 5,791 9.9 16.1 26.8 11.7 32.8 2.6 0.0 15.33 2,119 15.1 26.3 33.9 7.1 6.4 0.0 11.1 9.22 148 91.9 0.0 8.1 0.0 0.0 0.0 0.0 4.68 196 68.9 31.1 0.0 0.0 0.0 0.0 0.0 4.91 9,044 12.6 29.2 24.6 9.2 21.8 1.7 0.9 12.55 289 2.1 2.8 21.5 0.0 21.5 0.0 52.1 16.98 20 100.0 0.0 0.0 0.0 0.0 0.0 0.0 3.77 230 28.8 0.0 34.0 0.0 0.0 0.0 37.2 8.26 700 69.7 28.6 1.7 0.0 0.0 0.0 0.0 4.48 8,422 7.3 29.1 26.1 9.8 24.2 1.8 1.8 13.36 626 29.5 9.9 12.5 24.1 10.4 0.0 13.7 11.22 1,166 0.5 0.0 5.3 24.5 56.7 12.9 0.0 20.69 804 0.0 26.0 74.0 0.0 0.0 0.0 0.0 9.33 363 0.0 82.9 0.0 0.0 17.1 0.0 0.0 9.22 6,394 15.2 32.5 24.2 6.1 19.5 0.0 2.4 11.82 Ⅲ 통계편8.6 16 년신규조달자금평균대출금리 ( 비은행금융기관 : 신용대출 ) Ⅲ. 통계편 117
9.1 16 년은행신규대출신청유 / 무 ( 단위 : 개, %) 있음 없음 초과 ~3 미만 3 이상상장기업비상장외감기업비외감기업원청기업 498,292 21.0 79.0 135,922 28.2 71.8 46,515 21.4 78.6 92,059 21.4 78.6 16,037 16.5 83.5 75,063 19.3 80.7 13,820 22.3 77.7 7,739 27.1 72.9 27,666 12.8 87.2 14,180 8.1 91.9 17,778 13.0 87.0 24,717 9.9 90.1 7,409 11.1 88.9 19,387 19.8 80.2 322,381 18.5 81.5 102,776 23.2 76.8 51,881 27.9 72.1 13,829 28.5 71.5 5,950 33.5 66.5 1,475 33.6 66.4 477,038 20.6 79.4 21,254 30.2 69.8 124,295 18.2 81.8 127,263 21.6 78.4 102,890 19.7 80.3 72,761 23.3 76.7 71,083 24.1 75.9 234,696 17.4 82.6 164,893 22.6 77.4 37,040 31.1 68.9 38,751 32.0 68.0 460,155 20.2 79.8 22,550 30.5 69.5 15,588 30.1 69.9 1,737 24.7 75.3 51,664 29.9 70.1 444,890 19.9 80.1 47,332 24.3 75.7 50,922 22.2 77.8 21,146 29.1 70.9 5,952 16.6 83.4 372,940 20.0 80.0 118 2017 년중소기업금융실태조사
초과 ~3 미만 3 이상상장기업비상장외감기업비외감기업원청기업 자금이필요하지않아서 은행대출이외의다른방식으로자금조달 자금이필요하지만신청해도대출이되지않을것같아서 ( 단위 : 개, %, 복수응답 ) 기타 393,798 80.0 13.0 7.9 1.9 97,529 68.2 18.1 12.2 3.9 36,538 75.6 13.8 10.6 3.4 72,385 82.4 8.0 8.7 2.4 13,391 90.0 8.5 1.7 1.0 60,553 87.5 14.7 3.6 0.0 10,739 78.3 13.1 6.8 2.4 5,643 77.2 21.4 1.4 0.0 24,118 92.9 8.9 1.2 0.9 13,032 86.4 6.7 6.9 0.3 15,468 73.9 16.5 13.5 0.7 22,267 93.5 5.3 1.3 0.0 6,587 90.8 5.0 6.9 0.0 15,548 74.8 18.3 13.1 0.1 262,684 78.8 14.1 9.1 1.5 78,903 82.3 11.0 6.7 2.2 37,385 81.4 10.9 4.0 4.1 9,887 87.0 8.2 4.2 1.9 3,959 83.1 10.9 6.3 0.4 980 80.0 12.4 3.5 4.1 378,973 79.8 13.1 8.1 1.9 14,826 85.5 9.2 4.7 1.6 101,704 76.6 16.2 8.6 1.5 99,725 78.7 15.4 7.9 2.3 82,601 83.1 8.3 8.3 2.3 55,797 83.8 9.6 6.4 1.4 53,971 80.2 13.1 7.9 2.0 193,779 78.0 15.1 9.4 1.2 127,654 80.7 11.9 7.3 2.4 25,510 85.4 8.2 4.1 3.4 26,341 82.4 10.8 2.9 4.8 367,239 80.6 12.8 7.9 1.6 15,669 71.1 15.1 7.3 6.6 10,890 71.1 14.2 10.3 4.5 1,309 65.0 29.5 1.8 5.5 36,232 77.2 16.4 4.6 3.6 356,257 80.4 12.6 8.3 1.7 35,814 83.1 11.7 4.5 3.8 39,635 74.0 15.0 10.0 4.0 14,984 57.3 22.9 17.5 3.8 4,966 68.2 6.8 25.0 0.0 298,400 81.8 12.5 7.3 1.3 Ⅲ 통계편9.2 16 년은행신규대출미신청이유 Ⅲ. 통계편 119
10.1 16 년은행신규대출유 / 무 ( 단위 : 개, %) 있음 없음 초과 ~3 미만 3 이상상장기업비상장외감기업비외감기업원청기업 498,292 20.0 80.0 135,922 27.3 72.7 46,515 20.7 79.3 92,059 19.3 80.7 16,037 15.6 84.4 75,063 18.5 81.5 13,820 20.4 79.6 7,739 27.1 72.9 27,666 12.8 87.2 14,180 8.1 91.9 17,778 13.0 87.0 24,717 9.9 90.1 7,409 11.1 88.9 19,387 18.1 81.9 322,381 17.3 82.7 102,776 22.6 77.4 51,881 27.8 72.2 13,829 27.8 72.2 5,950 32.7 67.3 1,475 33.6 66.4 477,038 19.6 80.4 21,254 29.6 70.4 124,295 17.4 82.6 127,263 20.0 80.0 102,890 18.8 81.2 72,761 22.7 77.3 71,083 23.4 76.6 234,696 16.2 83.8 164,893 21.9 78.1 37,040 29.5 70.5 38,751 31.6 68.4 460,155 19.3 80.7 22,550 29.6 70.4 15,588 25.7 74.3 1,737 24.7 75.3 51,664 29.0 71.0 444,890 18.9 81.1 47,332 21.5 78.5 50,922 21.8 78.2 21,146 25.8 74.2 5,952 16.6 83.4 372,940 19.3 80.7 120 2017 년중소기업금융실태조사
초과 ~3 미만 3 이상상장기업비상장외감기업비외감기업원청기업 시중은행특수은행지방은행 ( 단위 : 개, %, 복수응답 ) 외국은행국내지점 99,582 52.2 40.2 11.0 0.2 37,129 50.0 46.0 9.4 0.0 9,626 40.1 49.0 11.8 0.0 17,757 44.9 44.2 14.5 0.0 2,504 52.2 26.8 22.9 0.0 13,853 63.1 28.1 8.8 1.3 2,821 67.5 30.3 4.6 0.0 2,096 66.6 22.3 14.8 0.0 3,548 72.2 32.7 3.2 0.0 1,148 63.3 16.1 20.6 0.0 2,310 85.9 14.1 4.6 0.0 2,450 64.6 30.4 5.0 0.0 822 32.5 48.5 28.9 0.0 3,518 33.1 47.1 20.3 0.0 55,635 54.0 37.7 11.1 0.0 23,243 47.4 43.2 13.2 0.8 14,417 49.6 45.5 7.7 0.0 3,847 55.6 41.9 7.6 0.0 1,943 68.3 33.1 11.5 0.0 495 68.5 31.9 18.9 1.1 93,296 51.7 40.3 11.1 0.2 6,286 60.5 38.4 9.7 0.1 21,689 59.0 35.5 9.3 0.0 25,447 55.6 35.6 10.7 0.7 19,299 46.0 43.7 16.0 0.0 16,548 46.4 47.9 7.3 0.0 16,599 51.4 41.5 11.5 0.0 37,908 55.6 35.7 12.0 0.5 36,105 48.1 42.4 12.3 0.0 10,945 51.1 43.9 7.5 0.0 12,226 47.0 50.7 9.4 0.0 88,896 52.5 39.0 11.5 0.2 6,676 56.1 47.6 4.8 0.0 4,010 39.0 54.6 9.7 0.1 428 64.2 42.8 7.0 1.3 14,983 54.4 38.6 11.6 0.0 84,171 51.8 40.4 10.9 0.2 10,191 38.8 49.0 15.7 0.0 11,087 42.3 47.2 14.4 0.0 5,446 58.0 43.2 6.6 0.0 986 36.6 62.5 0.8 0.0 71,872 55.5 37.3 10.3 0.3 Ⅲ 통계편10.2 16 년은행신규대출은행유형 Ⅲ. 통계편 121
10.3 16 년신규대출건수 ( 단위 : 개, %, 건 ) 1 건 2 건 3 건 4 건 5 건이상평균 99,582 58.3 27.2 9.5 2.1 2.9 1.7 37,129 59.6 25.5 9.3 2.4 3.2 1.7 9,626 55.5 27.0 9.1 1.4 7.0 1.9 17,757 50.4 39.2 6.9 3.2 0.2 1.6 2,504 75.1 12.2 8.7 0.7 3.3 1.6 13,853 64.3 19.0 15.3 0.0 1.3 1.6 2,821 63.8 26.2 4.5 2.4 3.1 1.6 산업 대분류 2,096 64.3 20.8 12.3 2.5 0.0 1.5 3,548 60.1 27.2 6.1 0.3 6.4 1.7 1,148 71.2 17.5 5.5 0.0 5.9 1.5 2,310 55.0 35.8 4.6 0.0 4.6 1.7 2,450 63.0 12.8 12.3 11.5 0.5 1.7 822 61.9 26.7 9.2 1.4 0.8 1.5 3,518 40.5 40.8 10.6 2.6 5.5 1.9 55,635 61.6 27.4 8.0 1.8 1.1 1.6 23,243 56.5 25.6 12.3 1.1 4.4 1.8 종사자 14,417 53.3 28.0 10.3 4.1 4.3 1.8 규모 3,847 50.6 30.5 9.2 2.9 6.8 2.0 1,943 45.0 27.1 11.8 4.6 11.4 2.4 495 32.7 29.9 14.8 7.7 14.9 3.3 기업 93,296 59.0 27.1 9.4 2.0 2.5 1.7 규모 6,286 47.5 29.4 10.4 3.8 8.9 2.2 21,689 49.6 33.2 12.6 2.4 2.2 1.8 25,447 63.5 21.9 10.1 1.4 3.0 1.6 기업 업력 19,299 58.1 28.9 8.3 1.0 3.7 1.7 16,548 60.7 26.0 6.0 4.1 3.1 1.7 16,599 59.5 26.8 9.2 2.2 2.3 1.7 37,908 64.4 23.7 9.0 0.7 2.2 1.6 36,105 56.2 27.9 9.9 3.9 2.3 1.7 10,945 56.7 26.2 12.2 2.5 2.4 1.7 12,226 53.1 28.6 9.2 1.4 7.8 2.0 88,896 58.4 26.9 9.9 2.0 2.8 1.7 수출 초과 ~3 미만비중 6,676 58.8 32.3 4.6 1.5 2.7 1.6 3 이상 4,010 55.4 26.8 8.5 5.2 4.0 1.9 상장및 상장기업 428 42.3 26.1 20.1 4.4 7.0 2.4 외감 비상장외감기업 14,983 51.2 29.7 10.1 2.2 6.8 1.9 여부 비외감기업 84,171 59.7 26.8 9.3 2.1 2.1 1.6 원청기업 10,191 59.1 24.7 9.3 1.5 5.4 1.8 11,087 61.8 26.7 6.3 2.0 3.1 1.6 하도급 여부 5,446 58.0 31.7 4.5 0.0 5.8 1.7 3차협력 986 70.9 7.8 7.0 14.3 0.0 1.7 하도급없음 71,872 57.5 27.6 10.4 2.2 2.3 1.7 122 2017 년중소기업금융실태조사
초과 ~3 미만 3 이상상장기업비상장외감기업비외감기업원청기업 구매대금지급 주 : 설비투자란공장신 증축, 토지 기계 사업장구입등 인건비지급 설비 투자주 ) 기존대출원리금상환 임차료지급 ( 단위 : 개, %, 복수응답 ) 연구개발 인수합병 (R&D) (M&A) 투자 자금 기타 99,582 60.4 40.4 29.7 13.6 10.1 4.4 0.1 4.8 37,129 58.9 29.4 32.4 16.0 5.7 6.3 0.3 4.9 9,626 64.6 38.3 21.0 3.0 7.3 0.2 0.0 7.0 17,757 70.8 33.3 24.3 12.4 6.0 2.9 0.0 3.0 2,504 36.9 41.3 38.8 25.9 15.0 0.0 0.0 11.2 13,853 82.4 64.2 27.2 13.2 25.1 4.7 0.0 0.1 2,821 42.2 45.9 24.6 11.3 7.8 11.1 0.2 4.5 2,096 50.8 50.2 16.1 36.9 16.1 0.0 0.0 0.0 3,548 46.2 56.2 13.0 10.6 17.2 13.2 0.0 13.8 1,148 15.2 63.4 28.2 15.2 8.0 0.0 0.0 20.3 2,310 29.4 60.3 55.0 4.6 19.9 0.0 0.0 15.3 2,450 40.8 43.0 58.9 12.3 6.4 0.0 0.0 0.8 822 22.6 45.1 46.3 17.6 0.0 4.2 0.0 30.4 3,518 33.8 55.6 45.7 13.9 12.5 0.0 0.0 0.4 55,635 62.3 43.2 26.9 10.1 12.9 3.1 0.0 5.9 23,243 57.9 38.1 36.5 20.5 8.9 6.0 0.3 1.7 14,417 63.3 39.9 25.9 16.2 3.7 6.6 0.0 1.9 3,847 49.4 27.5 39.5 15.5 4.7 5.4 1.0 9.3 1,943 40.8 21.0 38.1 11.3 1.9 3.2 0.0 20.5 495 35.9 38.4 39.8 10.8 4.6 6.8 2.4 15.4 93,296 61.4 41.4 29.1 13.6 10.5 4.3 0.1 4.3 6,286 45.7 26.4 39.1 13.8 3.8 4.9 0.8 13.2 21,689 63.2 52.9 31.2 14.4 12.2 6.5 0.0 2.0 25,447 59.9 40.7 31.0 11.5 13.9 4.7 0.2 2.0 19,299 62.7 35.0 27.1 11.6 6.1 2.2 0.0 4.0 16,548 58.3 36.1 25.2 16.0 7.5 4.5 0.2 9.1 16,599 56.8 34.3 33.7 15.9 8.7 3.4 0.1 9.4 37,908 62.2 46.5 30.8 12.0 15.5 4.1 0.0 4.2 36,105 57.7 40.1 27.8 17.9 5.5 4.5 0.2 5.1 10,945 63.5 27.5 31.5 6.1 0.6 5.6 0.1 5.0 12,226 57.3 24.8 35.4 15.3 5.1 3.8 0.2 6.8 88,896 62.1 42.8 29.0 12.9 11.0 3.7 0.1 4.3 6,676 47.9 19.9 35.4 17.6 0.9 9.3 0.0 6.0 4,010 43.8 21.8 36.6 22.5 6.1 11.9 0.0 15.5 428 29.1 10.7 51.6 3.1 0.0 5.0 4.4 23.9 14,983 58.3 36.1 29.8 25.9 7.6 5.1 0.0 5.7 84,171 60.9 41.4 29.6 11.5 10.6 4.2 0.1 4.6 10,191 59.4 43.1 29.8 9.2 3.0 6.2 0.0 3.2 11,087 59.9 37.4 27.1 14.1 7.7 4.3 0.2 4.0 5,446 61.8 29.3 26.0 21.0 1.1 3.6 1.1 1.0 986 25.5 11.4 66.4 24.1 6.3 1.9 0.0 0.0 71,872 61.0 41.8 29.9 13.5 12.2 4.2 0.0 5.5 Ⅲ 통계편10.4 16 년은행신규대출자금사용처 Ⅲ. 통계편 123
10.5 신규대출시주거래은행에서받지않은이유 신규거래은행의적극적마케팅 기존거래은행의높은대출금리 기존거래은행의대출한도부족 ( 단위 : 개, %, 복수응답 ) 유사시를대비하여다수의대출가능은행을확보하기위해 99,582 5.8 4.0 3.7 3.2 37,129 5.0 5.4 4.6 4.3 9,626 2.8 2.8 6.5 0.5 17,757 10.0 3.1 1.9 2.6 2,504 3.4 1.5 4.9 0.6 13,853 3.1 4.8 1.3 0.1 2,821 14.1 2.8 5.0 1.4 산업 2,096 0.0 7.5 8.5 3.8 대분류 3,548 9.0 2.3 6.4 0.6 1,148 14.7 5.9 8.0 16.3 2,310 4.9 0.0 0.0 19.9 2,450 10.9 0.0 0.0 0.0 822 8.4 4.2 4.2 2.2 3,518 0.0 0.0 0.0 6.7 55,635 3.9 3.8 3.0 3.8 23,243 9.3 4.2 5.4 1.6 종사자 14,417 7.6 4.4 3.9 2.1 규모 3,847 5.5 2.7 2.3 3.6 1,943 5.2 6.4 2.7 10.5 495 1.1 3.3 4.6 15.3 기업 93,296 5.8 4.0 3.7 3.0 규모 6,286 5.1 3.9 2.6 6.6 21,689 5.4 4.2 6.2 3.3 25,447 8.5 4.7 4.0 3.0 기업 19,299 7.5 2.8 2.8 3.7 업력 16,548 3.0 2.3 2.0 0.8 16,599 3.0 5.6 2.5 5.2 37,908 4.2 3.9 3.8 2.5 36,105 8.8 3.8 2.9 3.8 10,945 5.0 2.4 5.9 1.8 12,226 3.7 6.9 4.1 5.4 88,896 5.9 3.9 3.6 3.1 수출 초과 ~3 미만 6,676 3.6 6.5 3.0 5.2 비중 3 이상 4,010 6.7 2.9 5.5 2.5 상장및 상장기업 428 7.1 21.7 1.3 12.4 외감 비상장외감기업 14,983 6.2 2.7 4.9 6.9 여부 비외감기업 84,171 5.7 4.1 3.5 2.5 원청기업 10,191 13.6 2.6 3.2 2.6 11,087 4.5 5.1 4.0 2.1 하도급 5,446 8.9 5.3 8.1 3.9 여부 3차협력 986 1.9 21.6 0.0 6.3 하도급없음 71,872 4.7 3.7 3.4 3.3 124 2017 년중소기업금융실태조사
초과 ~3 미만 3 이상상장기업비상장외감기업비외감기업원청기업 신규거래은행의담보요구조건이유리해서 기존거래은행의점포가멀어서 신규거래은행은무리한대출회수를하지않을것같아서 ( 단위 : 개, %, 복수응답 ) 해당사항없음 99,582 3.1 0.6 0.6 82.2 37,129 3.2 0.2 0.3 80.5 9,626 1.4 1.4 0.0 86.0 17,757 6.4 0.2 0.0 78.3 2,504 2.7 0.7 0.7 86.9 13,853 1.3 0.0 0.0 89.4 2,821 0.5 0.0 2.5 77.2 2,096 0.0 0.0 0.0 80.2 3,548 8.4 0.0 0.0 74.2 1,148 0.0 0.0 0.0 69.9 2,310 0.0 15.3 15.3 79.8 2,450 0.0 0.0 0.0 89.1 822 9.1 0.0 0.0 80.2 3,518 0.0 0.0 0.0 93.3 55,635 3.1 0.6 0.6 84.6 23,243 2.8 0.8 0.8 77.7 14,417 3.5 0.0 0.0 80.7 3,847 4.9 0.8 0.0 82.8 1,943 2.6 1.0 1.3 78.4 495 4.4 0.0 0.0 80.2 93,296 3.1 0.6 0.6 82.3 6,286 4.1 0.8 0.4 81.3 21,689 1.5 0.0 0.6 80.2 25,447 3.7 0.0 0.1 79.7 19,299 3.5 1.0 0.3 82.2 16,548 6.1 0.0 0.0 86.6 16,599 1.1 2.4 2.1 84.6 37,908 3.2 1.3 1.1 83.5 36,105 3.8 0.3 0.3 79.1 10,945 1.0 0.0 0.2 85.5 12,226 3.7 0.2 0.1 81.1 88,896 3.1 0.6 0.6 82.5 6,676 3.2 0.5 0.9 80.4 4,010 4.7 0.0 0.0 79.9 428 2.5 0.0 1.5 64.0 14,983 4.7 1.1 0.1 77.0 84,171 2.9 0.5 0.6 83.3 10,191 4.9 0.0 0.0 79.2 11,087 6.8 0.0 0.6 78.5 5,446 7.2 1.1 1.1 72.4 986 0.0 0.0 0.0 70.2 71,872 2.1 0.7 0.6 84.2 Ⅲ 통계편10.5 신규대출시주거래은행에서받지않은이유 ( 계속 ) Ⅲ. 통계편 125
11.1 16 년은행차입여건변화 - 전반적 ( 단위 : 개, %) 매우호전 호전동일부진 매우부진 해당사항없음 초과 ~3 미만 3 이상상장기업비상장외감기업비외감기업원청기업 99,582 0.8 11.3 70.0 14.6 0.9 2.4 37,129 0.3 12.6 70.9 12.1 1.5 2.5 9,626 0.2 22.1 49.9 15.9 0.0 11.8 17,757 0.9 7.8 69.3 21.2 0.2 0.6 2,504 0.7 17.1 65.9 16.3 0.0 0.0 13,853 0.0 6.5 82.7 10.8 0.0 0.0 2,821 0.0 11.3 76.8 11.9 0.0 0.0 2,096 0.0 2.5 91.2 2.5 0.0 3.8 3,548 6.1 27.3 59.7 0.0 6.1 0.8 1,148 1.4 5.6 75.5 9.5 8.0 0.0 2,310 0.0 4.6 45.0 45.8 0.0 4.6 2,450 0.5 0.0 77.9 21.7 0.0 0.0 822 0.0 0.0 90.2 9.8 0.0 0.0 3,518 6.2 5.0 68.3 20.4 0.0 0.0 55,635 0.8 8.8 68.8 17.1 1.2 3.3 23,243 0.6 15.8 70.4 11.7 0.4 1.1 14,417 0.3 12.8 73.0 12.0 0.3 1.5 3,847 0.0 12.0 71.8 12.1 1.8 2.3 1,943 3.8 12.1 75.7 6.6 1.2 0.5 495 12.3 19.8 59.8 8.1 0.0 0.0 93,296 0.7 11.2 69.9 15.0 0.9 2.5 6,286 2.2 12.7 72.0 10.1 1.5 1.5 21,689 0.0 12.0 64.4 16.5 1.2 5.9 25,447 0.1 10.9 72.2 13.8 1.2 1.9 19,299 1.3 10.1 73.5 14.4 0.0 0.8 16,548 1.0 7.9 72.4 15.2 1.7 1.8 16,599 2.0 15.6 67.5 13.2 0.4 1.2 37,908 1.1 7.5 70.2 16.7 1.3 3.1 36,105 0.6 13.1 68.8 14.1 0.8 2.5 10,945 0.1 18.9 69.3 10.4 0.6 0.6 12,226 0.8 12.9 71.6 12.3 0.4 2.0 88,896 0.6 10.4 69.8 15.6 0.8 2.7 6,676 2.3 19.0 71.2 5.2 2.3 0.0 4,010 1.0 17.8 72.1 8.5 0.7 0.0 428 0.0 8.8 67.3 19.5 0.0 4.3 14,983 1.4 13.7 71.4 10.6 1.9 1.2 84,171 0.7 10.8 69.8 15.3 0.7 2.6 10,191 0.1 7.9 62.9 24.9 1.5 2.7 11,087 1.7 15.4 68.2 11.2 0.6 2.9 5,446 0.0 13.3 68.4 17.1 0.0 1.1 986 0.0 22.3 76.9 0.8 0.0 0.0 71,872 0.8 10.8 71.3 13.7 1.0 2.4 126 2017 년중소기업금융실태조사
초과 ~3 미만 3 이상상장기업비상장외감기업비외감기업원청기업 매우하락 하락동일상승 매우상승 ( 단위 : 개, %) 해당사항없음 99,582 0.5 12.2 62.0 22.0 0.8 2.4 37,129 0.2 12.7 66.0 17.1 1.4 2.5 9,626 0.0 15.7 48.7 21.0 2.8 11.8 17,757 0.0 8.6 52.3 38.5 0.0 0.6 2,504 0.0 15.0 55.2 29.8 0.0 0.0 13,853 0.0 15.3 72.6 12.1 0.0 0.0 2,821 0.0 2.8 76.3 20.9 0.0 0.0 2,096 0.0 16.1 71.6 8.5 0.0 3.8 3,548 6.1 9.3 70.7 13.2 0.0 0.8 1,148 0.0 5.6 60.8 33.6 0.0 0.0 2,310 0.0 4.9 29.4 61.1 0.0 4.6 2,450 0.0 14.4 77.0 8.5 0.0 0.0 822 0.0 16.9 73.3 9.8 0.0 0.0 3,518 6.2 14.1 52.5 27.1 0.0 0.0 55,635 0.8 12.1 58.5 24.0 1.3 3.3 23,243 0.0 13.6 64.1 21.0 0.3 1.1 14,417 0.3 8.0 72.1 18.2 0.0 1.5 3,847 0.0 18.2 63.3 16.2 0.0 2.3 1,943 1.2 16.6 62.7 18.2 0.8 0.5 495 1.1 24.1 55.8 18.9 0.0 0.0 93,296 0.5 11.8 62.0 22.3 0.8 2.5 6,286 0.5 18.2 62.5 17.0 0.3 1.5 21,689 0.0 12.5 64.3 17.3 0.0 5.9 25,447 0.0 12.2 55.2 29.1 1.7 1.9 19,299 1.1 10.5 65.0 21.5 1.1 0.8 16,548 0.0 11.4 68.3 17.7 0.9 1.8 16,599 1.7 14.8 60.0 22.2 0.1 1.2 37,908 1.1 10.9 61.5 22.2 1.1 3.1 36,105 0.1 12.1 58.6 25.7 1.0 2.5 10,945 0.1 15.2 65.9 18.2 0.0 0.6 12,226 0.2 12.8 69.5 15.4 0.1 2.0 88,896 0.6 11.6 61.7 22.5 0.9 2.7 6,676 0.0 14.1 67.6 18.3 0.0 0.0 4,010 0.5 22.5 59.7 17.0 0.2 0.0 428 0.0 12.8 60.8 22.1 0.0 4.3 14,983 0.1 12.7 62.0 23.9 0.1 1.2 84,171 0.6 12.1 62.1 21.7 0.9 2.6 10,191 0.0 5.8 57.9 32.1 1.5 2.7 11,087 0.2 21.8 59.1 13.4 2.6 2.9 5,446 0.0 8.3 61.3 29.3 0.0 1.1 986 0.0 17.2 82.0 0.8 0.0 0.0 71,872 0.7 11.9 62.9 21.6 0.5 2.4 Ⅲ 통계편11.2 16 년은행차입여건변화 - 금리 Ⅲ. 통계편 127
11.3 16 년은행차입여건변화 - 담보요구 ( 단위 : 개, %) 매우감소 감소동일증가 매우증가 해당사항없음 99,582 0.9 3.8 82.6 9.6 0.5 2.8 37,129 0.6 3.6 81.9 11.2 0.2 2.5 9,626 2.8 5.9 67.2 9.4 2.8 11.8 17,757 0.9 0.2 84.2 14.1 0.0 0.6 2,504 0.0 5.7 80.7 8.7 4.9 0.0 13,853 0.0 9.5 84.0 6.5 0.0 0.0 2,821 0.0 2.4 92.0 5.7 0.0 0.0 산업 2,096 0.0 0.0 96.2 0.0 0.0 3.8 대분류 3,548 0.0 2.8 96.4 0.0 0.0 0.8 1,148 0.0 0.0 82.6 17.4 0.0 0.0 2,310 0.0 0.0 80.1 0.0 0.0 19.9 2,450 0.0 4.6 86.1 9.4 0.0 0.0 822 0.0 0.0 94.4 5.6 0.0 0.0 3,518 6.2 2.2 85.3 6.2 0.0 0.0 55,635 1.2 4.2 81.3 8.8 0.7 3.9 23,243 0.6 2.5 84.2 11.6 0.0 1.1 종사자 14,417 0.3 3.2 84.4 10.2 0.3 1.5 규모 3,847 0.0 5.6 83.9 7.8 0.5 2.3 1,943 0.8 6.3 83.6 7.9 0.8 0.5 495 0.0 7.7 85.9 6.4 0.0 0.0 기업 93,296 0.9 3.6 82.5 9.7 0.5 2.8 규모 6,286 0.3 6.0 84.0 7.7 0.6 1.5 21,689 0.0 1.7 85.7 5.0 0.0 7.6 25,447 1.1 5.5 81.5 8.5 1.6 1.9 기업 19,299 1.1 0.3 86.4 11.4 0.0 0.8 업력 16,548 0.9 4.0 80.2 13.1 0.0 1.8 16,599 1.3 7.5 78.1 11.4 0.5 1.2 37,908 1.4 4.4 79.4 10.9 0.7 3.1 36,105 0.9 2.9 84.2 9.1 0.3 2.5 10,945 0.1 4.4 86.0 8.5 0.5 0.6 12,226 0.1 4.3 83.7 9.5 0.3 2.0 88,896 0.8 3.4 82.5 9.6 0.5 3.1 수출 초과 ~3 미만 6,676 2.3 2.2 87.2 8.4 0.0 0.0 비중 3 이상 4,010 0.4 13.7 75.6 10.0 0.2 0.0 상장및 상장기업 428 0.0 3.1 73.0 19.5 0.0 4.3 외감 비상장외감기업 14,983 1.1 4.0 83.8 9.7 0.2 1.2 여부 비외감기업 84,171 0.8 3.7 82.4 9.5 0.5 3.0 원청기업 10,191 0.0 1.2 79.6 16.5 0.0 2.7 11,087 2.6 7.4 77.7 6.4 3.1 2.9 하도급 5,446 0.0 1.6 83.2 14.0 0.0 1.1 여부 3차협력 986 0.0 1.9 91.0 7.1 0.0 0.0 하도급없음 71,872 0.8 3.7 83.6 8.8 0.2 2.9 128 2017 년중소기업금융실태조사
산업 대분류 종사자 규모 기업 규모 기업 업력 수출 초과 ~3 미만비중 3 이상상장및상장기업외감비상장외감기업여부비외감기업원청기업 하도급 여부 매우확대 확대동일축소 매우축소 ( 단위 : 개, %) 해당사항없음 99,582 0.3 10.1 74.4 12.1 0.7 2.4 37,129 0.3 10.9 74.7 11.0 0.7 2.5 9,626 0.0 15.8 52.8 16.7 2.8 11.8 17,757 0.0 10.8 72.3 15.5 0.9 0.6 2,504 0.0 9.7 75.6 14.8 0.0 0.0 13,853 0.0 10.4 77.5 12.1 0.0 0.0 2,821 0.0 4.6 92.6 2.8 0.0 0.0 2,096 0.0 0.0 70.6 25.6 0.0 3.8 3,548 0.0 4.9 94.3 0.0 0.0 0.8 1,148 0.0 5.6 83.6 10.8 0.0 0.0 2,310 0.0 0.0 95.1 0.3 0.0 4.6 2,450 0.8 0.8 89.8 8.5 0.0 0.0 822 0.0 0.8 89.4 9.8 0.0 0.0 3,518 6.2 15.3 63.7 14.7 0.0 0.0 55,635 0.4 11.2 72.0 12.3 0.8 3.3 23,243 0.0 8.9 78.6 10.8 0.6 1.1 14,417 0.3 8.1 74.5 15.3 0.3 1.5 3,847 0.5 8.4 81.0 7.4 0.5 2.3 1,943 2.3 9.9 76.4 9.7 1.2 0.5 495 1.1 17.5 77.4 4.0 0.0 0.0 93,296 0.3 10.2 74.0 12.4 0.7 2.5 6,286 1.1 9.6 79.3 7.8 0.7 1.5 21,689 0.1 9.9 70.7 13.4 0.1 5.9 25,447 0.0 9.5 72.8 14.1 1.7 1.9 19,299 1.2 11.3 75.2 11.6 0.0 0.8 16,548 0.0 7.0 77.5 13.8 0.0 1.8 16,599 0.5 13.1 77.5 6.4 1.4 1.2 37,908 0.6 8.8 71.8 14.6 1.1 3.1 36,105 0.1 11.3 73.9 11.7 0.4 2.5 10,945 0.1 9.5 80.7 8.5 0.6 0.6 12,226 0.5 13.3 72.9 11.1 0.2 2.0 88,896 0.3 9.2 74.5 12.8 0.5 2.7 6,676 0.1 18.3 73.7 5.5 2.4 0.0 4,010 0.5 17.6 73.2 7.9 0.7 0.0 428 1.9 3.1 69.3 21.4 0.0 4.3 14,983 0.2 8.9 75.8 13.5 0.3 1.2 84,171 0.4 10.4 74.1 11.8 0.7 2.6 10,191 0.1 5.0 80.2 10.6 1.5 2.7 11,087 0.1 15.9 67.4 10.7 3.0 2.9 5,446 0.0 11.6 69.0 18.3 0.0 1.1 986 0.0 6.3 92.9 0.0 0.8 0.0 71,872 0.5 9.9 74.8 12.2 0.2 2.4 Ⅲ 통계편11.4 16 년은행차입여건변화 - 대출한도 Ⅲ. 통계편 129
11.5 16 년은행차입여건변화 - 신용대출 ( 단위 : 개, %) 매우쉬움 쉬움동일어려움 매우어려움 해당사항없음 초과 ~3 미만 3 이상상장기업비상장외감기업비외감기업원청기업 99,582 0.1 7.6 79.4 8.5 1.6 2.8 37,129 0.4 7.0 78.8 9.0 1.3 3.6 9,626 0.0 15.5 60.6 8.7 3.4 11.8 17,757 0.0 4.3 81.7 10.0 3.4 0.6 2,504 0.0 2.1 92.7 5.3 0.0 0.0 13,853 0.0 9.5 84.4 6.1 0.0 0.0 2,821 0.0 2.3 89.8 7.9 0.0 0.0 2,096 0.0 0.0 79.2 8.5 8.5 3.8 3,548 0.0 8.1 83.0 8.1 0.0 0.8 1,148 0.0 8.2 82.5 9.4 0.0 0.0 2,310 0.0 19.9 75.2 0.3 0.0 4.6 2,450 0.0 0.8 92.8 6.4 0.0 0.0 822 0.0 0.0 85.9 14.1 0.0 0.0 3,518 0.0 10.6 76.9 12.5 0.0 0.0 55,635 0.0 9.1 77.3 7.6 2.1 3.9 23,243 0.0 4.5 82.5 10.8 0.9 1.3 14,417 0.7 5.5 83.5 8.6 0.3 1.5 3,847 0.0 10.8 77.1 7.6 1.8 2.8 1,943 1.2 10.0 78.4 7.1 2.3 0.9 495 2.2 10.6 78.6 8.6 0.0 0.0 93,296 0.1 7.4 79.6 8.6 1.6 2.9 6,286 0.6 10.5 77.6 7.5 1.8 2.0 21,689 0.0 9.9 71.2 10.6 2.1 6.2 25,447 0.0 10.9 76.2 7.8 2.7 2.5 19,299 0.0 1.7 91.2 5.3 1.0 0.8 16,548 0.4 2.6 82.8 10.7 0.9 2.7 16,599 0.4 11.3 78.1 8.4 0.5 1.3 37,908 0.0 7.5 77.8 10.4 0.7 3.5 36,105 0.1 6.2 80.0 7.9 2.6 3.1 10,945 0.0 7.1 87.5 4.1 0.6 0.6 12,226 0.7 10.8 74.2 9.6 2.4 2.2 88,896 0.1 7.6 79.3 8.3 1.6 3.1 6,676 0.1 6.4 79.9 11.1 2.4 0.0 4,010 0.7 8.8 81.4 8.3 0.7 0.2 428 1.9 3.7 85.7 4.4 0.0 4.3 14,983 0.2 6.4 76.7 10.3 5.1 1.3 84,171 0.1 7.8 79.9 8.2 1.0 3.1 10,191 0.1 2.7 81.4 9.6 3.6 2.7 11,087 0.1 13.4 68.3 10.9 4.4 3.0 5,446 0.0 6.5 76.1 16.3 0.0 1.1 986 0.0 8.2 91.0 0.0 0.8 0.0 71,872 0.2 7.4 81.0 7.5 1.0 3.0 130 2017 년중소기업금융실태조사