2010-40 대구지역서민금융기관의금융중개기능 강화방안연구
차례
표차례
그림차례
요약.,.......,,, (, ).,,.,.,. i
... 20%, 30%... -............... -. ii
............ iii
1 제 1 장서론 1980 DeYoung et al.(2004)...,...,.. Stiglitz & Greenwald(2003),,, 1).,.. 1) Stiglitz & Greenwald(2003), Ch.4.
대구지역서민금융기관의금융중개기능강화방안연구, 2)..... DeYoung et al.(2004), Avery & Samolyk(2004)....,....... 2) Peterson & Rajan(1994), Peek & Rosengren(1998), Goldberg & White(1998), Meyer(1998).
1..,..,.. 1960.. 1962 2, 1963 2 3). (, 1967: 455). 1997. (2001 ) 1972,.. 1977 3) (1967) (2006).
대구지역서민금융기관의금융중개기능강화방안연구 84.8% 4)., 50%.. 2010 9. 6 5)..,,,. 1907., 1961 7..,., 1962 1 6). 1960.. 1963. 1964. (1970 ) 1972. 1982. 4) (1978), p. 846 < 7> 5) (2010). 6) (1967) (2000).
1 7)., 1964 ( ). 1972 8)..,.,,, (, ). (, 2010)., 9).,..,. 7) (1991), p. 123. 8) (1991), pp. 159~173. 9),,,, (, 2010)..
대구지역서민금융기관의금융중개기능강화방안연구 (2010). 6~10 6~10 3,831 9 945 5 24.7%.. (%) 1 3,049(7.96) 6.25 2 5,146(13.43) 7.25 3 4,421(11.54) 9.32 4 5,228(13.64) 11.85 5 11,020(28.76) 14.54 6 1,921(5.01) 16.17 7 3,595(9.38) 18.33 8 2,270(5.92) 20.13 9 1,028(2.68) 22.04 10 641(1.67) 22.84 38,319(100.0) : 1) ( ) 2) 2010 2, 2010 2 : (2010),,,, 414, pp. 1-12. 6,, < Ⅰ-1>. 5.3, 7.
1 < Ⅰ-1>. : (2010),,,, 414, pp.1-12. 2.. 3. 4,.. 5 4. 6.
2 제 2 장기존이론의검토......, Westley & Shaffer(1999). 10)., 11), ( ) (1 1 ) (Davis, 2001; Goddard et al., 2002).. 10) Banarjee et al.(1994).. Guinnane(1997). 11),,.
대구지역서민금융기관의금융중개기능강화방안연구 (Fried et al., 1999). 12),,, (Guinnane, 1997)... Banarjee et al.(1994), (long-term interaction view) (peer monitoring view). (= )..., 13). ( 富 ). 14). 12) Fried et al.(1999). 13) Banarjee et al.(1994), Westley & Shaffer(1999), Besley & Coate(1995) Angelini et al.(1998). 14). Hollis & Sweetman(1998 a).
2., (Hollis & Sweetman, 1998 a), 15)....,... ( ) ( ). (Hollis & Sweetman, 1998a).. (social sanctions). (Besley & Coate, 1995). (Angelini et al., 1998). 16). 15) Besley & Coate, 1995; Hollis & Sweetman, 1998a; Anderson et al., 2002. 16).. Hollis & Sweetman(1998a).
대구지역서민금융기관의금융중개기능강화방안연구. 1980.. ( ). Smith et al.(1981).. Smith(1984).. Smith et al.(1981) Smith(1984),.. (borrowerdominated credit union) (saver-dominated credit union)
2 17),..... Banarjee et al.(1994),, Hollis & Sweetman(1998a) 19,. 18).... (2003) 17).,.. Westley & Shaffer(1999). 18). Navajas et al.(2001) -, Pretes(2002) -, Patten et al.(2001), Kabeer(2001), Martin & Hulme(2003) -, Patten et al.(2001), Chaves & Gonzalez-Vega(1996) -, Park & Ren(2001) -, Coleman(1999) -, Colin(1999) -.
대구지역서민금융기관의금융중개기능강화방안연구... Kane & Hendershott(1996), (1992) (1993).... (Lang & Welzel, 1996; Davis, 2001). 19). 20).. 1980. Carl M. G. Smith et al.(1981), 19) Ralston et al.(2001), (.),, ( ),. 1998. Goddard et al.(2002). 20) Frame et al.(2003). (2003).
2 Black & Dugger(1981), Navratil(1981)., 21). Goddard et al.(2002). Davis(2001) (, ) 22)., Frame et al.(2003)... Black & Dugger(1981) 1978 (Money Market Certificate),.,, Navratil (1981). Mark J. F. 23). Ralston et al.(2001). 21) Navratil(1981). 22). Hollis & Sweetman(1998b) 19...
대구지역서민금융기관의금융중개기능강화방안연구 Ralston et al.(2001).... 24).. 1997..,.,., 25). (2003)... 23) Smith et al.(1981), Black & Dugger(1981), Navratil(1981). Navratil(1981)., Navratil(1981). 24) Davis(2001) Frame et al.(2003). 25).
2 26)... 27)... 28).,......... 29)... 26) Frame et al.(2003). Davis(2001) Leggett & Strand(2002). 27)... 28) Ghatak & Guinnane(1999). 29).,..
대구지역서민금융기관의금융중개기능강화방안연구.. Smith et al.(1981), Black & Dugger(1981), Navratil(1981) Richard L. P.,,. 1990. Kane & Hendershott(1996).. (1992) (1993) 30).. Davis(2001).,,,. 30).,. (1992), p.16.
2.. (2001) 1997..,,,.. (2001).. 31). (2003)..... Ralston et al.(2001) 32).,. 31) (1993). 32) 1980. 1980 Wolken & Navratil(1980) Murray & White(1983) 1990 Ralston et al.(2001) Lang & Welzel(1996), Fried et al.(1999), Esho(2000), Goddard et al.(2002).
대구지역금융시장과서민금융기관
3 제 3 장대구지역금융시장과서민금융기관. ( ) 2009 12 41 4,667, 1997 2.6. 3.8,. 1997~2009 2007 3.5%. 65%. 2004 (-0.4%), 2006 (-2.1%) 2007. CD,. 2007 10.0%. 1997, 1999 8.0%.. 2007. 4.5%. 1998.. 1999 70%. 2006 60%
대구지역서민금융기관의금융중개기능강화방안연구.. 2009 63.1% 1997.. 1997 1999 2001 2003 2005 2007 2008 2009 16,115.5 20,553.8 26,576.2 30,668.2 34,100.5 33,696.3 37,255.1 41,466.7 9,751.0 14,412.8 19,358.0 22,857.5 23,859.3 22,108.2 24,523.0 26,009.3 6,093.0 8,643.2 11,521.6 13,672.1 13,818.4 13,068.7 14,566.4 15,296.9 10,022.5 11,910.6 15,054.6 16,996.1 20,282.1 20,627.6 22,688.7 26,169.8 3,658.0 5,769.6 7,836.4 9,185.4 10,040.9 9,039.5 9,956.6 10,712.4 6,364.5 6,141.0 7,218.2 7,810.7 10,241.2 11,588.1 12,732.1 15,457.4 : (ECOS) 1997 1999 2001 2003 2005 2007 2008 2009 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 60.5 70.1 72.8 74.5 70.0 65.6 65.8 62.7 37.8 42.1 43.4 44.6 40.5 38.8 39.1 36.9 62.2 57.9 56.6 55.4 59.5 61.2 60.9 63.1 22.7 28.1 29.5 30.0 29.4 26.8 26.7 25.8 39.5 29.9 27.2 25.5 30.0 34.4 34.2 37.3 : (ECOS) 2009 46 7,708 1997 2.7. 1998
3. 2002~2003 2005~2006... 2009 1997 2.9. (2010), 2003~2004 ( ) 2005~2006. 2002~2003 2005~2006. 2009 2.0% 33).,. 1998, 1999. ( 23.9% 19.8% ). 2001.. 2009 17.8%,. 2009 1997 3.7.. 1998 3.. 1999~ 2002.. 2002~2007. 2009 1997 33).
대구지역서민금융기관의금융중개기능강화방안연구 1.8.., 1998 73.3% 2000~2006 80%. 2008 2009 70%.. 1998 50% 2002 59.6% 2009 51.2%. 1998 2002. 2009 48.8%. 1998 48.3%.. 2009 1997 4.5, (3.0 ). 1997 20% 20%, 2009 27.6%. 1998, 2000~2006 10%. 2007 20~21%.,,. 2009 62.7%, 78.8%. 37.3%, 21.2%. 60%. 45%....
3 1997 1999 2001 2003 2005 2007 2008 2009 17,115.8 16,117.3 19,226.3 28,346.7 34,195.5 42,033.1 44,740.5 46,770.8 11,756.3 12,846.2 15,867.9 23,345.0 27,482.3 33,539.6 35,402.0 36,858.4 8,328.4 9,128.2 11,150.2 16,431.1 19,216.3 23,164.8 24,455.7 23,966.6 8,787.4 6,989.0 8,076.1 11,915.6 14,979.2 18,868.3 20,284.8 22,804.2 3,427.9 3,717.9 4,717.7 6,913.9 8,266.0 10,374.8 10,946.3 12,891.8 5,359.5 3,271.1 3,358.4 5,001.7 6,713.2 8,493.5 9,338.5 9,912.4 : (ECOS) 1997 1999 2001 2003 2005 2007 2008 2009 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 68.7 79.7 82.5 82.4 80.4 79.8 79.1 78.8 48.7 56.6 58.0 58.0 56.2 55.1 54.7 51.2 51.3 43.4 42.0 42.0 43.8 44.9 45.3 48.8 20.0 23.1 24.5 24.4 24.2 24.7 24.5 27.6 31.3 20.3 17.5 17.6 19.6 20.2 20.9 21.2 : (ECOS).. 2001 2005 100%.. 2002 100%, 2007 151.7%.. 1997 87.7%
대구지역서민금융기관의금융중개기능강화방안연구., 1998 2002 50~60%.., 2002 50%. 2007 2008 70% 2003 65%..... 1997 1999 2001 2003 2005 2007 2008 2009 106.2 78.4 72.3 92.4 100.3 124.7 120.1 112.8 120.6 89.1 82.0 102.1 115.2 151.7 144.4 141.7 136.7 105.6 96.8 120.2 139.1 177.3 167.9 156.7 87.7 58.7 53.6 70.1 73.9 91.5 89.4 87.1 93.7 64.4 60.2 75.3 82.3 114.8 109.9 120.3 84.2 53.3 46.5 64.0 65.6 73.3 73.3 64.1 : (ECOS). 2002 2003 30%,. 2009
3 42.9%.. 2006 1% 2009 3.5%. 2%...,. 1997 1999 2001 2003 2005 2007 2008 2009 6,249.0 6,623.8 6,869.2 9,832.8 10,407.7 12,369.7 13,826.7 13,714.0 2,953.6 3,205.7 3,420.3 4,525.3 5,932.6 10,297.0 2,953.6 3,099.8 3,205.4 4,267.6 5,492.9 6,927.5 7,286.2 8,829.9 105.8 214.9 257.7 317.1 512.4 606.2 621.5 122.5 845.6 9,202.6 9,829.4 10,289.5 14,358.1 16,340.2 - - 24,010.9 : 1) (www.fss).... 2) 2007 2008. : (www.fss),
대구지역서민금융기관의금융중개기능강화방안연구 1997 1999 2001 2003 2005 2009 67.9 67.4 66.8 68.5 63.7 57.1 32.1 32.6 33.2 31.5 36.3 42.9 32.1 31.5 31.2 29.7 33.6 36.8 0.0 1.1 2.1 1.8 1.9 2.6 0.0 0.0 0.0 0.0 0.7 3.5 100.0 100.0 100.0 100.0 100.0 100.0 : 1) (www.fss).... : (www.fss), 75%. 1998, 2002 60%.. 2003 50%.,.,..
3 1997 1999 2001 2003 2005 2006 2007 2008 2009 78.3 75.7 63.5 60.4 57.9 56.6 57.5 59.6 61.2 69.5 67.8 57.5 53.6 46.2 44.0 47.5 50.9 51.6 86.2 83.4 67.9 61.7 66.5 68.0 66.8 66.6 68.5 87.0 81.8 71.4 72.9 67.1 64.1 63.7 66.1 66.1 75.0 72.6 61.6 59.8 54.2 51.6 53.4 56.5 57.2 :. 2009 15 4,574 1997 2.4.. 1999 8.0%.. 1997, 2005. 2005 3,767 1997 23.8%. 2009 1997 63.1%.. 2003, 2003 1 194 1997 65.8%. 2009 1997 1.5.
대구지역서민금융기관의금융중개기능강화방안연구. 1998 37.8%.. 2009 7 1,350 1997 4.8.. 2007 0.1%. 2009 1997 2.8. 1997.. 1997 27.6% 24.8% 2. 2000. 2008 3.7%, 2009 6.5%. 1997 24.3%. 1999 10% 2003 10%.. 1997 23.3%. 1998 30%, 2001 40% 2004 50%. 2009 46.2% 2008 52.0%. 30%. 2004 33~34% 31~32%., 2003 80%.. 2009 2 1 60 6
3 3.. 3 60 3. 1 4 ~7.. 1997 1999 2001 2003 2005 2006 2007 2008 2009 1581.1 670.1 477.5 448.5 376.7 442.2 441.4 467.1 997.4 1548.5 1,214.5 1,428.5 1,019.4 1,253.5 1,415.8 1,452.7 1,653.4 2,307.9 1479.8 2,134.6 2,919.9 3,772.5 5,337.7 6,007.4 6,019.7 6,621.7 7,135.0 1755.1 2,121.8 2,392.3 2,570.3 3,273.3 3,679.9 3,674.3 3,989.9 5,017.1 6,364.5 6,141.0 7,218.2 7,810.7 10,241.2 11,545.3 11,588.1 12,732.1 15,457.4 : (ECOS) 1997 1999 2001 2003 2005 2006 2007 2008 2009 24.8 10.9 6.6 5.7 3.7 3.8 3.8 3.7 6.5 24.3 19.8 19.8 13.1 12.2 12.3 12.5 13.0 14.9 23.3 34.8 40.5 48.3 52.1 52.0 51.9 52.0 46.2 27.6 34.6 33.1 32.9 32.0 31.9 31.7 31.3 32.5 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 : (ECOS) 2009 9 9,124 1997 1.8., 1998 2000
대구지역서민금융기관의금융중개기능강화방안연구.. 1997 2005. 2009 1997 38.3%.. 2003 2004 2005 10%. 2009 1 2,778 1997 (1 3,437).. 1998., 2009 5 6,988 1997 5.1... 2001,.. 1997 30.6% 2001, 2009 6.3%. 25.1% 12.9%. 2000. 1997 20.7%. 2000 40% 2003 50%, 2009 57.5%... 1998 2004 20% 2005 23%. 2009 23.3% 1997 (23.6%). 2003 80%
3. 1997 1999 2001 2003 2005 2006 2007 2008 2009 1,640.9 524.1 321.9 344.3 366.8 423.0 433.1 451.6 628.2 1,343.7 676.6 694.3 654.0 771.4 909.5 1,050.0 1,168.6 1,277.8 1,107.8 1,111.8 1,410.7 2,579.8 3,920.0 4,492.4 5,026.5 5,540.6 5,698.8 1,267.1 958.6 931.5 1,423.6 1,655.0 1,794.7 1,983.9 2,177.7 2,307.6 5,359.5 3,271.1 3,358.4 5,001.7 6,713.2 7,619.6 8,493.5 9,338.5 9,912.4 : (ECOS) 1997 1999 2001 2003 2005 2006 2007 2008 2009 30.6 16.0 9.6 6.9 5.5 5.6 5.1 4.8 6.3 25.1 20.7 20.7 13.1 11.5 11.9 12.4 12.5 12.9 20.7 34.0 42.0 51.6 58.4 59.0 59.2 59.3 57.5 23.6 29.3 27.7 28.5 24.7 23.6 23.4 23.3 23.3 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 : (ECOS). 1997 84.2%. 1998 2002 50%., 70%. 2009 64.1%,..
대구지역서민금융기관의금융중개기능강화방안연구. 1999~ 2003 60~70% 2005 90%. 2006 60%. 2007 2008 70%, 1997.. 2005 70~80%.., 1999~2002 30~ 40%. 50%.... 10..,....
3 1997 1999 2001 2003 2005 2006 2007 2008 2009 103.8 78.2 67.4 76.8 97.4 95.7 98.1 96.7 63.0 86.8 55.7 48.6 64.2 61.5 64.2 72.3 70.7 55.4 74.9 52.1 48.3 68.4 73.4 74.8 83.5 83.7 79.9 72.2 45.2 38.9 55.4 50.6 48.8 54.0 54.6 46.0 84.2 53.3 46.5 64.0 65.6 66.0 73.3 73.3 64.1 : (ECOS)
대구지역서민금융기관의영업기반
4 제 4 장대구지역서민금융기관의영업기반.... 2000 12 5 34), 2009 5. 2,313.6,,. () 3,260.6 2,565.8 2,448.0 1,702.2 1,591.5 ( ) 2(2) 0 0 0 0 (%) 10.53 5.52 4.95 16.47 7.89 BIS(%) 7.13 11.35 9.40 9.51 13.11 : 1) 2) ( ) : (www.fss) 1999 52.81% 34) ( ),, ( ).
대구지역서민금융기관의금융중개기능강화방안연구 2007 5.95%. 2008 2009 ( 6.79%, 8.79%) 1999. (2009 8.8%).. 50%. (ROA) (ROE), 2005 (+). 2009 (-)... 2004 60% 2005 70%... 1999 2001 2003 2005 2006 2007 2008 2009 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 62.4 66.8 67.0 70.4 76.3 76.9 77.6 71.9 37.6 25.4 32.2 29.0 23.0 22.6 21.5 24.4 0.0 7.9 0.8 0.7 0.8 0.5 0.8 3.8 : (www.fss) 2007.
4. (2007) ( ) ( ). (2007) (2007). (2009).,. 35). 2009 9. 6 36). (2010),.... 35) (2009). 36) (2010).
대구지역서민금융기관의금융중개기능강화방안연구...... ( ),..., ( 36~60%). 37). 38)... ( PF) 39). 37) (2003). 38) 2003 3. (2003). 39) (2010) PF. PF,,. PF.,, 1 ( PF).
4, 50%.. -, (2010 12 8 ). 12 4000(9 ) 8 6000(69.1%). 2010 6 8.7% 12 24.3%. 105, (BIS) 9 9.4% 6 6~7.7%, 12 3.6~6.3% 40).,,,. 2009 19 1..,. 2009 981, 2,410 2.5. 19, 80 4.2. 10, 9, 6.5 1.7.. 2009 29,711 1,564. 40) PF 2010 6 PF 3.7., 2010).
대구지역서민금융기관의금융중개기능강화방안연구. 2009 577,431 30,431. 1,608, 49,553, 1,515, 9,100.,.... 2 5 18.5%. 47.4%.. (10 8 ) 2 5. 9 1. 9,451,,,, 5,500.., 2 5 2.,.. 19..
4 1 5 3 2 5 1 5 1 5 5 15 (1.5) 66 (6.7) 69 (7.0) 32 (3.3) 126 (12.8) 209 (21.3) 361 (36.8) 103 (10.5) 981 (100.0) - 5 (26.3) 3 (15.8) 1 (5.3) 2 (10.5) 4 (21.1) 4 (21.1) - 19 (100.0) : ( ) :, (2009.1.1~2009.12.31) () 9,451 5,891 5,667 5,544 5,448 4,967 3,090 2,589 3,037 ( ) 13 10(1) 9(1) 8 7 6 4 4 4 () 6,281 4,560 4,248 4,122 3,918 3,582 2,285 1,785 2,105 () 8,316 5,329 4,868 4,861 4,839 4,271 2,727 2,282 2,595 : 1) 2) ( ) :, (2009.1.1~2009.12.31). 2005 23.8% (7.9%) (18.0%).. 44.5% 24.4%. 46.2%.. 2005 3.5%. (4.1%).
대구지역서민금융기관의금융중개기능강화방안연구,.,. 2009 8.7%. (11.7%),. 2009 23.8%, 15.3%.. 2005 2009 23.8 1.7 44.5 25.9 3.5 100.0 49.2 0.9 24.4 21.5 4.1 100.0 12.3 2.1 30.5 40.5 8.7 100.0 32.7 2.0 23.1 24.0 11.7 100.0 : :.,.,... 2009 0.3%, 1%.
4.,. 2003 4.15 6.50 4.66 7.20 5.33 8.62 5.71-2004 3.75 5.88 4.29 6.90 4.98 8.36 5.57 12.00 2005 3.57 5.49 4.05 6.52 4.39 7.69 5.04 10.95 2006 4.54 5.80 4.69 6.61 4.98 7.47 5.37 10.84 2007 5.25 6.48 5.12 6.78 5.37 7.51 5.82 10.92 2008 5.98 7.19 6.03 7.61 6.30 8.63 6.91 12.23 2009 3.85 5.73 4.36 7.09 4.78 8.03 5.25 12.00 : 1) 2) 1, 1 3), :. 2000. 2003. 2003 36 2006 31, 29 24 42). 41)... 42) 2006.
대구지역서민금융기관의금융중개기능강화방안연구.. 2003 2004 2005 2006 2007 2008 2009 36 33 30 31 31 31 31 5 5 5 5 5 5 5 29 29 29 27 25 25 24 : 70 67 64 63 61 61 60. 2005 ( 8.5%). 2003 5 2009 7,979. 2009 11... 2004 200. 2005 3 2007 2009 4 6.,. 2003 500 36 2 2009 31 15. 2009 1,000 4 2,000 4,000.
4 2003 2004 2005 2006 2007 2008 2009 ( ) 8.5 8.7 9.3 9.7 10.0 10.5 11.2 ( ) 5,149 5,843 5,881 6,458 6,737 7,024 7,979 () 220.7 266.9 321.9 381.8 402.9 460.2 647.9 () 201.1 246.9 300.5 358.6 372.9 429.4 609.0 : 1 2 3 5 1 1 2003 7 17 2 8 1 1 36 2004 2 17 4 7 2 1 33 2005 2 12 7 5 3 1 30 2006 2 8 8 7 5 1 31 2007 2 6 10 7 5 1 31 2008 2 4 10 9 3 3 31 2009 1 2 5 8 11 4 31 :.. 2003~2009 2.53, 2.61.. 2004 2005 10%, 2006 23.3%. 2007 2008, 2009 41.8%.. 2003 578 2009 471..
대구지역서민금융기관의금융중개기능강화방안연구.. 2006, 2003 20% 2005 10%. 2009. 2009 41.8%, 2009 1 1 2 3. 2000,. 1.. 2008 1 ~2. 2009 2 ~5 30.9%., 5 5 ~1..... 5%,.
4 5 1 2 5 1 2 5 5 2003 11.1 16.4 64.2 6.6 0.6 0.6 0.4 0.0 100.0 2004 10.6 17.3 58.9 11.2 0.7 0.6 0.7 0.1 100.0 2005 10.4 17.5 54.2 15.0 0.9 0.7 0.7 0.6 100.0 2006 10.0 17.3 49.7 17.5 1.6 1.4 1.0 1.4 100.0 2007 10.2 18.7 49.7 17.2 1.8 1.1 0.6 0.8 100.0 2008 11.6 19.7 47.7 16.7 1.7 1.0 1.0 0.5 100.0 2009 8.8 25.3 30.7 30.9 2.1 0.9 0.8 0.5 100.0 : 2009 54.0%.. 2009 19.7% 13.1%. 22.4%. 2003~2005 60% 2006 70%.. 2003~2005 5%, 3%.. 41.8%..
대구지역서민금융기관의금융중개기능강화방안연구 2003 100.0 24.4 24.1 2.6 7.5 60.3 2004 100.0 29.2 28.9 1.3 7.4 56.1 2005 100.0 27.5 27.1 1.5 7.1 58.9 2006 100.0 26.5 26.2 3.1 5.9 63.7 2007 100.0 20.0 19.8 2.4 5.9 70.0 2008 100.0 21.4 21.1 3.2 6.6 68.2 2009 100.0 22.6 22.4 1.7 19.7 54.0 : 1. 2. 1 2003 18.5% 2009 8.1%. 5 65.4% 34.9%., 5 2009 7.8% 2003 6.6%. 2005 2 ~5 1 ~2. 1. 1 40% 2006 400 5 7% 2008 600..,
4..,,.....,.. 5 1 2 5 1 2 5 5 2003 7.3 11.2 16.8 29.9 15.9 10.4 7.2 1.2 100.0 2004 5.2 9.3 14.8 28.8 18.5 12.6 7.4 3.3 100.0 2005 3.4 6.6 11.8 27.0 20.9 16.3 9.0 5.1 100.0 2006 2.7 5.6 10.0 23.6 19.9 20.6 13.6 4.0 100.0 2007 2.3 4.8 8.5 22.9 21.7 21.0 14.9 3.9 100.0 2008 2.1 5.0 7.8 22.4 20.8 20.0 14.6 7.2 100.0 2009 3.3 4.8 5.7 21.1 19.9 21.0 16.3 7.8 100.0 :,..
대구지역서민금융기관의금융중개기능강화방안연구... 2003~2005, 2006 2006.. 2005 50~60% 2009 39.7% 40%.. 2005 20%. ( ) ( ). 2006~2008 2%. (Loan To Value: LTV) 40%.. 2005., 2005~2007 65.8%, 121.3%, 50.7%. 2008 10% 20%. 2003 6%.. 1. 2006
4.. -... ( ) 2003 62.4 0.8 3.5 6.3 0.8 0.7 5.9 19.6 100.0 2004 61.3 0.4 2.4 7.1 0.7 0.5 6.4 21.2 100.0 2005 52.2 0.3 1.9 7.7 0.4 0.8 9.3 27.4 100.0 2006 47.9 0.2 1.6 9.5 0.4 0.4 16.3 23.6 100.0 2007 44.4 0.2 1.3 10.1 0.4 0.2 21.2 22.1 100.0 2008 42.1 0.2 1.4 12.1 0.4 0.1 21.3 22.3 100.0 2009 39.7 0.1 1.5 13.4 0.4 0.2 21.9 23.0 100.0 :. 2004 27%. 2005 2009 5.0%.,. 2007 3% 2005 5%.,. 2007 80%... 30%.
대구지역서민금융기관의금융중개기능강화방안연구... () 2003 28.1 65.8 6.1 0.0 100.0 2004 27.6 72.5 5.9 0.0 100.0 2005 12.8 80.8 6.4 0.0 100.0 : 2006 0.0 8.5 25.4 15.4 6.0 0.0 0.1 0.0 44.7 100.0 2007 0.0 6.3 20.3 16.4 4.3 0.0 7.3 11.8 33.6 100.0 2008 0.0 5.6 31.8 20.4 5.2 0.7 0.1 0.0 36.3 100.0 2009 2.7 2.3 31.6 21.1 4.4 3.0 0.1 0.0 34.8 100.0 : 2003 2004 2005 2006 2007 2008 2009 11.1 7.6 5.9 4.9 3.5 3.0 3.3 :
4. 2006., 5%., 80%.,., 50%.... 43)..... 43) 3 (2010 10 15). PF 2. PF IB..
대구지역서민금융기관의금융중개기능강화방안연구.. 44)...,...,.. 44). 2005,, 53.0%, 27.6% 80.6%, 15.0%.. (10.8%).
정책제안
5 제 5 장정책제안. (2010).....,... (2007),... - 1
대구지역서민금융기관의금융중개기능강화방안연구.,., (convex payoff function) (, 2006).. PF -. 45)... (2010).,,. < Ⅴ-1>. 2008 12 ~2009 12 1~4 5~10. 1~4, 5~10, ( ) ( ). (2010) 5 45) (2007) ( ).
5,. 1 2 3 4 5 6 7 8 9 10 21.4 13.6 8.5 2.0-6.6-17.5-10.4-16.3-19.7-22.3 : 2008 12~2009 12 :. (2010). 46). 2008 3.,... 2009 12.. 7,,, 4.5% 500 ~5. 10 2 200~300, 2010 8 63, 2,400 200 47). 46) (2009). 47) 2010 8 29.
대구지역서민금융기관의금융중개기능강화방안연구 2009 3. (2009 3 ). 7 2,000 6~19.9%, 500~2,000. 2009 3 2010 10 34 9 2 3,008, 66.6% 48). 2010 7 49). 2 5 10,,,,,,. 6~10 2,, (, )., ( ) ( 2 ), ( 5 ), ( 1 ). 48) 2010 11 10%. 49) (2010).
5 16 (2,812), (3,341) ( 2 ) 6 ( 2 ) 7 7 : 2 : 5 : 1 5~2 ( ),, 5~5 10~13% 6~19.9% 4.5% 2010 7 2009 3 2009 12 10 7 26 ~8 16 27,084 2,286.7( 78.6% ) 09 3 ~10 10 6 34 9 2.3( 66.6%) 10 1~7 1,824 151.2 (2 ) 5 10 (85%) (2010 11 ) 2009 3 ( ) 2,134 85.4...,..
대구지역서민금융기관의금융중개기능강화방안연구.. 50).,.,,... Cadbury(2000) ( ).. 51). (Spiers, 2000), 52).,... (2010) 2009 3 50) (2010)... 51) Jones(2000)... 52) European Forum on Social Investment, p. 47.
5, 53)....... 2000,... ( ).,.. 53),,. (2010).
대구지역서민금융기관의금융중개기능강화방안연구......,,......,..,...,. 3
5,,. 54)..,..,....,.. ( )..... 54) (2007).
대구지역서민금융기관의금융중개기능강화방안연구.... 5~8 (3,950) 52.3% 55). 5~8... (2010). 55) (2010).
5 대출건수대출가능자비중 26.6% 29.9% 22.2% 26.4% 20.0% 4.6% 2.9% 2.8% 1.6% 0.4% 1.1% 1.9% 5.9% 16.3% 13.9% 6.8% 2.3% 3.5% 0.7% 0.3% 0.0% 9.9% 1 등급 2 등급 3 등급 4 등급 5 등급 6 등급 7 등급 8 등급 9 등급 10 등급무등급 : (2010), () 2008 4 21,,. 40~50 61.4%,. 2008 37.5% 60 32.2%, 50 37.0%, 40 40.2%, 30 37.9% 20 44.1%. 20 56). 2008 3 43 7 10.4%., 19.7% 15.7%. 1 56) 30. (2010).
대구지역서민금융기관의금융중개기능강화방안연구. 2008 6.9% 9.1% (4.7%) 57). (= / ),,...,,,. 3 5.8%.. (1.4%) (1.7%) 4.7%. 24.4% (18.2%). 80%. 58).., 59). 57) 2008. 58) 2008 1 82 (1 54 ). (4 32 ) (5 31 ). 1 20,. 59) (2010).
5 1 1.7 2.9 5.4 4.7 2.5 1.2 5.0 3.2 3 5.8 9.3 15.7 19.7 8.2 5.0 14.8 10.4 : (2010),, (2010 6 24 ),,,,,.,,...... 60).... 60) 多胡秀人 長濱裕士. ( 粗利益率 ).. 多胡秀人 長濱裕士,(2005), p. 23.
대구지역서민금융기관의금융중개기능강화방안연구 1 2 3 5 10 10 4,210 (100.0) 715 (17.0) 134 (3.2) 194 (4.6) 109 (2.6) 107 (2.5) 120 (2.9) 51 (1.2) 325 (100.0) 40 (12.3) 6 (1.8) 8 (2.5) 5 (1.5) 7 (2.2) 8 (2.5) 6 (1.8) 328 (100.0) 53 (16.2) 10 (3.0) 13 (4.0) 8 (2.4) 9 (2.7) 9 (2.7) 4 (1.2) 621 (100.0) 144 (23.2) 34 (5.5) 43 (6.9) 21 (3.4) 18 (2.9) 18 (2.9) 10 (1.6) 232 (100.0) 38 (16.4) 6 (2.6) 9 (3.9) 6 (2.6) 6 (2.6) 7 (3.0) 4 (1.7) 614 (100.0) 175 (28.5) 28 (4.6) 55 (9.0) 33 (3.0) 29 (4.7) 24 (3.9) 6 (1.0) 1,012 (100.0) 70 (6.9) 12 (1.2) 13 (1.3) 5 (0.5) 9 (0.9) 21 (2.1) 10 (1.0) 574 (100.0) 128 (22.3) 29 (5.1) 36 (6.3) 21 (3.7) 19 (3.3) 18 (3.1) 5 (0.9) 504 (100.0) 67 (13.3) 9 (1.8) 17 (3.4) 10 (2.0) 10 (2.0) 15 (3.0) 6 (1.2) : 1) 2008 2) ( ) : (2010),, (2010 6 24 ) 154 432 91 120 67 531 78 182 24.4 3.1 32.1 16.1 24.5 5.7 28.3 18.4 : (2010),, (2010 6 24 ) 2007 23.4%.,,, 40%,,, 30%..
5. 100.0 21.1 8.0 29.1 100.0 16.1 4.0 20.0 100.0 17.9 5.5 23.4 14.9 31.2 10.0 41.2 18.7 30.3 7.4 37.7 17.0 29.6 8.5 38.2 8.4 24.1 13.3 37.4 10.8 18.1 10.3 28.4 9.7 18.6 11.5 30.1 4.7 34.0 0.6 34.7 7.3 26.9-26.9 4.9 43.9 0.0 43.9,, : (KOSIS) 2.2 27.6 4.2 31.7 2.0 24.2 5.1 29.3 1.5 27.8 0.0 27.8 6.3 6.9 0.7 7.6 4.8 6.6 0.4 7.0 4.0 10.6 0.0 10.6 7.1 10.6 1.0 11.6 6.6 8.2 0.3 8.5 7.5 15.9 2.3 18.2 2.1 24.1 4.7 28.7 1.6 19.3 3.0 22.2 1.5 33.3 11.1 44.4 4.6 32.4 6.5 39.0 5.7 28.4 6.7 35.1 4.6 35.2 5.6 40.7 0.6 12.2 0.7 12.9 0.5 2.3 2.3 0.7 25.0 12.5 37.5.
대구지역서민금융기관의금융중개기능강화방안연구..,... 61)... PF.....,,,. 62). 61) (2010). 日本農林金融 (2010 年 4 月號 ) 家計のメイン化戰略の現狀と課題. 62) (2010).
요약및결론
6 요약및결론..,,.............,.
대구지역서민금융기관의금융중개기능강화방안연구..,.......
참고문헌 (2001),,,, 20, 1, pp. 39-61. (2010),, (2010 6 24 ). (2003),, (2003 3 26 ). (2010), FY'09 [] PF, (2010 8 23 ). (2009),,. (2010),,., (2010), 7.26,. (2010),,., (2010),, NHERI., (1992),,. (2000), 30. (1967), 20. (1978), 30. (2010),,,, 414, pp. 1-12. (2001),,,, 20, 1, pp. 23-37.
, (2009),,, 22, 4, pp. 1683-1713., (2010),,,, 8, pp. 25-46., (2006),,. (1991), 30.,,,,,,,,,,,, (1993),,. (2006), -,, 21, 2, pp. 215-241. (2010),,, 19, 37, pp. 3-7., (2009),,, 22, 2, pp. 1-25. (2010),,, 19, 28, pp. 3-7. (2007),,, 305. (2010),,, 19, 34, pp. 3-7. (2007),,, 8, 1, pp. 2-29. (2003),,,, 6, 2, pp. 377-402. (2007), -,,, 15, 2, pp. 29-55.
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