콘텐츠 바로가기
로그인
컨텐츠

Category Open

Resources

tutorial

Collection of research papers and materials on development issues

home

Resources
Economy Financial Policy

Print

예금수취 비은행금융회사 발전방안(Development plan for non-bank depository financial institutions)

Related Document
Frame of Image  메우고 있는 양상이다. 예금수취 비은행금융회사와 관련한 현행 제도는 이와 같은 변화를 감안하고 있지 못하기 때문에 이들 금융회사에 대한 정책방향과 발전방안을 새로이 모색 할 필요가 있다. 본 보고서는 저축은행 및 상호금융회사의 현황을 살피고 서민 금융시장의 변천과정에 대한 분석을 실시한 후 SWOT분석을 바탕으로 예금수취 비은행금융회사의 비전을 새롭게 설정하고 있다. 그리고 이러한 비전을 달성하기 위한 정부의 정책방향을 제시한 다음 이들 금융회사와 정부가 추진해야 할 구체적 인 세부 시행방안도 모색하고 있으며, 서민금융 활성화를 위한 이들 금융회사의 역할 강화방안도 다루고 있다. 본 보고서는 저축은행과 상호금융회사의 발전방안 을 광범위하게 제시하고 있다는 점에서 의의가 있으며, 특히 서민금융의 중요성이
더해지고 있는 작금의 상황에서 이의 활성화 방안을 모색한다는 점에서 시의성도 지닌다. 본 보고서는 정찬우 박사가 작성하였으며, 심원철 연구원 및 권정춘 연구비서 가 자료수집 등에 기여하였다. 보고서의 내용을 향상시키는 논평을 해 주신 익명 의 심사위원에게 감사를 드리는 바이며, 보고서의 내용은 집필자 개인의 의견으로 연구원의 공식 견해가 아님을 밝힌다.
2010년 8월
한국금융연구원 원장 김 태 준
목
요약
차
Ⅰ. 논의의 배경 ······················· 1 · ·· ·· ··· ·· ·· ··· ·· ·· ·· ·· ·· ··· ·· ·· ·· ··· ·· ·· ··· ·· · ··· ·· ·· ··· ·· ·· ··· ·· ·· Ⅱ. 예금수취 비은행금융회사의 현황 및 문제점 ·········· ········· 3 ········· ········· 1. 현황 ································· 3 ································· ································· 2. 서민금융의 변천 ·························· 9 ························· 3 ························· 3. 문제점 ······························· 46 ······························· ······························ Ⅲ. 예금수취 비은행금융회사의 장단기 발전방안 · ········ 1 ········ 5 ········ ········ 1. 비전 ································· 1 ································ 5 ································ 2. 정책의 기본방향 ··························55 ························· ························· 3. 세부 시행방안 ··························· 57 ··························· ··············


Full Text
Title 예금수취 비은행금융회사 발전방안(Development plan for non-bank depository financial institutions)
Similar Titles
Material Type Reports
Author(Korean)

정찬우

Publisher

서울:한국금융연구원

Date 2010-08
Series Title; No 정책조사보고서 / 2010-05
ISBN 한국금융연구원; KDI 국제정책대학원
Pages 159
Subject Country South Korea(Asia and Pacific)
Language Korean
File Type Documents
Original Format pdf
Subject Economy < Financial Policy
Holding 한국금융연구원; KDI 국제정책대학원

Abstract

This paper suggests several options for non-bank depository financial
institutions to secure long-term survival schemes and expand financial
services for low income classes under changing financial environment. Since
the financial crisis in late 1990s mutual savings banks and mutual credit
institutions have faced higher credit risk as the fruitful part of their main
customers, households and SMEs with good credit grades, became the strategic
target of commercial banks. The indwelling problems in their governance
and ownership structure are also eroding the competitivness of MSBs and
MCIs. To address these problems this paper sets up new visions of these
institutions based on SWOT analysis and suggests specific tasks to realize
their visions. The government policies needs to be geared to prevent the
excessive increase in asset of MSBs while enhancing their asset quality and
stimulating their own role of supplying financial services to the low income
classes. The government has to encourage MCIs to focus on the community
finance market and derive their Federations to reinforce the function of
support and surveillance of local MCIs. In the mean time it is necessary for
state-owned guarantee institutions to offer partial credit guarantee for
MSBs and MCIs to enlarge the supply uncollateralized loans to low credit
rated customers.