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농업금융의 특성과 규모의 경제분석(Analysis of economies of scale in farm financing)

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Frame of Image 경제와 함께 농협상호금융과 농업정책금융을 포함한 신용사업의 규모의 경제도 분석하였 다. 본 보고서의 실증분석은 우리나라 농협조합 상호금융이 전반적으로 규모 가 영세하고 규모의 경제에 도달하지 못하여 상호금융대출의 대형화 필요성 을 제시하고 있다. 또한 서울, 광역시, 도 등 지역별로 나누어 규모의 경제를 분석하여 지역별로 농협조합 신용사업의 규모의 경제에 차이가 있음을 보여 주면서 농협조합이 지역별로 그 특성에 맞는 발전전략을 수립하여야 함을 제시하고 있다. 이러한 본 보고서의 연구결과는 농협조합의 구조조정과 관련 하여 시사점을 제공함으로써 보다 합리적인 농업금융정책 수립에 기여할 것
으로 기대된다. 본 보고서는 금융정책 및 제도팀의 강종만 박사가 작성하였으며, 본 연구 원의 주례세미나 참석자 여러분과 익명의 논평자의 논평이 보고서의 질을 높이는 데 많은 도움이 되었다. 또한 보고서 작성과정에서 신종원 연구원과 정희숙 연구비서가 수고를 아끼지 않았다. 끝으로 본 보고서의 내용은 집필 자 개인의 의견으로 한국금융연구원의 공식 견해가 아님을 밝혀둔다.
2005년 12월 한국금융연구원 원장 최 흥 식
목
요약
차
Ⅰ. 서론 ········································································································· 1
Ⅱ. 농업금융의 특징 ··················································································· 4 1. 농업금융의 신용할당현상 ·································································· 4 2. 농업금융모형 ····················································································· 1 9
Ⅲ. 외국의 농업금융 ················································································· 27 1. 미국 ···································································································· 2 7 2. 프랑스 ································································································ 3 8 3. 일본 ···································································································· 4 6
Ⅳ. 우리나라의 농업금융 ········································································· 52 1. 농업정책금융 ···


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Title 농업금융의 특성과 규모의 경제분석(Analysis of economies of scale in farm financing)
Similar Titles
Material Type Reports
Author(Korean)

강종만

Publisher

[서울]:한국금융연구원

Date 2005-12
Series Title; No 금융조사보고서 / 2005-15
Pages 126
Subject Country South Korea(Asia and Pacific)
Language Korean
File Type Documents
Original Format pdf
Subject Economy < Financial Policy
Industry and Technology < Agriculture
Holding 한국금융연구원; KDI 국제정책대학원

Abstract

Low profitability and low credibility are the characteristics of farming in Korea just like other countries including the Unite States. The adverse selection as well as the adverse incentive effect results in credit rationing in farm lending. As credit rationing in farm lending causes problems in implementing the agricultural policy, the government provides beneficial farm policy loans as well the guarantee facility for the farmers.
Farm lending is divided into government's farm policy loans and agricultural cooperative mutual finance in Korea. The government has directly provided mid- and long-term farm policy loans at low interests to encourage farming while agricultural cooperatives satisfy other loan demand on the commercial basis. These kinds of farm loans are cooperating rather than competing in Korea. Therefore, this paper addresses the scale economy in agricultural cooperative mutual finance as well as the scale economy in both farm lending.
Empirical analysis of the paper evidences that there are scale economy in agricultural cooperative mutual finance. So, it is necessary that agricultural cooperatives be bigger through merging with nearby agricultural cooperatives or enhancing business cooperation with them. It is found that the scale economies in agricultural cooperative mutual finance in the mega city, small city, and rural areas are quite different. It is also found that government's farm policy loans contribute to the scale economy in agricultural cooperative's lending in the rural area while they do not contribute so much in the city area.