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- W3136064237 startingPage "2567" @default.
- W3136064237 abstract "본 연구는 최근 위험대출인 중소기업대출의 비중을 늘리고 있는 국내 저축은행의 대출집중화 현상에 주목하였다. 특히, 최근 저축은행의 재무건전성과 수익성이 악화되는 상황이 중소기업 대출집중화 경향과 연관될 수 있다는 가정하에 실증연구를 진행하였다. 본 연구를 토대로 확인한 주요 결과는 다음의 4가지로 요약된다. 첫째, 중소기업대출 집중화는 국내 저축은행의 재무건전성 악화를 초래한다. 해당 연구결과는 선행연구인 Simpasa, Pla(2016)의 연구결과와 부합된다. 둘째, 중소기업대출 집중화는 저축은행 수익성을 제고시키지 못했다. 이러한 연구결과는 Tabak, Fazio, Cajeiro(2011)의 주장과 상이하다. 셋째, 영업수익대비 영업비용 증가는 저축은행 건전성과 수익성에 부정적 영향을 끼쳤다. 아울러, 수익성은 자산규모, 대손충당금 적립비율과 각각 부(-)의 관련성을 보였다. 넷째, 대출이자율과 부도율의 상승은 저축은행 건전성과 수익성의 악화를 가져왔다. 결론적으로 자산증가를 통한 저축은행 중소기업대출 집중의 심화는 재무건전성 측면에서 부정적 결과를 가져오고 있으며, 수익성 제고측면에서도 별다른 도움이 되지 못한다고 판단된다.This study did pay attention to concentration to small and medium sized enterprise (SME) lending which has high credit risk recently driven by Korean savings banks. Especially, it assumes that there may be relationship between concentration to SME lending and deteriorating financial soundness & profitability of savings banks, and empirical test is attempted. Main findings are summarized as following four things. First, concentration to SME lending leads to deteriorating financial soundness, and it is line with the previous result of Simpasa, Pla (2016). Second, concentration to SME lending did not enhance the profitability in Korean savings banks, and the evidence does not support to the argument of Tabak, Fazio, Cajeiro (2011). Third, the increase on the ratio of operating cost to operating revenue affects negatively the financial soundness and the profitability of savings banks. Besides, the profitability is negatively related with asset size and coverage ratio to non performing loan. Fourth, climbing lending rate and default rate results in deterioration of financial soundness and profitability in savings banks. As a result, intensification of concentration to SME lending through increasing asset size is producing bad outcome in" @default.
- W3136064237 created "2021-03-29" @default.
- W3136064237 creator A5071567053 @default.
- W3136064237 date "2019-10-31" @default.
- W3136064237 modified "2023-09-26" @default.
- W3136064237 title "The Effect of Concentration to SME Lending on Financial Soundness and Profitability in Korean Savings Banks" @default.
- W3136064237 doi "https://doi.org/10.37727/jkdas.2019.21.5.2567" @default.
- W3136064237 hasPublicationYear "2019" @default.
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