• 제목/요약/키워드: Loan Growth

검색결과 82건 처리시간 0.022초

한국 지역신협의 성장의 특징 (On Characteristics of the Growth of Regional Credit Unions in Korea)

  • 김명록;최진배
    • 지역연구
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    • 제32권4호
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    • pp.75-90
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    • 2016
  • 한국 지역신협은 1960년부터 설립되기 시작하였다. 조합원의 자발적인 운동을 통해 설립되고 성장해 왔다는 점에서 우리나라의 다른 금융협동조합과는 차별성을 지니고 있다. 그러나 최근 들어 그것의 정체성이 약화되고 있다는 비판이 제기되고 있다. 그러나 기존 논의는 지역신협의 성장이 무엇을 의미하는지에 대해 거의 주목하지 않는다. 이러한 문제의식에 입각하여 본 논문은 지역신협의 성장방식을 분석하고 그것의 특징을 도출하려 한다. 이러한 목적을 수행하기 위해 본 논문은 신협 중앙회에서 제공한 2004년~2015년 개별조합의 재무제표와 대출 및 예금 자료를 이용하였는데, 이 논문에서 밝혀낸 것은 다음과 세 가지이다. 먼저, 2000년대 지역신협의 성장에는 성장논자의 논리가 반영되어 있다. 둘째, 지역신협의 성장은 자금조달면에서는 비과세 예금에 그리고 운용면에서는 거액대출, 담보대출 및 기타담보대출에 의존하고 있다. 셋째, 지역신협의 성장방식은 장기적으로 자산건전성에 도움이 되지 않으며 수익성에도 그다지 도움이 되지 않는다. 이러한 결과는 지역신협의 지속가능성에 부정적이다. 지역신협은 협동조합으로서 정체성을 강화하여 지역밀착경영을 강화할 필요가 있다.

수산업협동조합의 상호금융사업에 관한 고찰 (A Study on the Mutual Credit Work of Fisheries Cooperatives in Korea)

  • 오환종
    • 수산경영론집
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    • 제16권1호
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    • pp.31-54
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    • 1985
  • The mutual credit of Fisheries Cooperatives is reciprocal financing bring overs and shorts to settlement themselves by filling each other's needs among feeble fishermen economically. The spread of mutual credit through Fisheries Cooperatives reduces private loan dependence and private loan interest rate at fishery village, and that fills up policy financing being restricted by working scale. And seeing movement side of Fisheries Cooperatives, it has done an under board to settle self-supporting foundation of primary fisheries cooperatives early. The mutual credit deposit shows about 53 times increase past an interval of a ten years. This increase rate is an epoch-making record being unparalleled in other banking facilities except Fisheries Cooperatives. Then being unparalleled increase rate, time and savings deposits increase has been contributed a great deal than demand deposits. Thinking important function factors as mutual credit growth, we can classify interior and exterior factors. The exterior factor is income of fishery household in some measure, interior factors are the high deposits interest rate and the enlargement of facilities organization. As these, they have been in a better factors, also have been a restriction factors. The restriction factors are conflict cancellation between mutual credit and them bring into existence a village vault, mutual savings and finance companies, private finance. For the sake of continuance growth rate in mutual credit as past, we should eliminate restricted factors in growth. On the other hand the better factors in growth should be act upon affirmation side continually. Consequently under circumstances not to an amicable settlement bring the fisheries fund demand as policy financing, we should do continuous and sound development of fisheries financing by means of putting in good order of fisheries cooperatives mutual credit. Surveying a problem from these viewpoints, when we study more deep and a full into a subject about growth project of mutual credit, we think to expect continuous growth in mutual credit of Fisheries Cooperatives.

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공동주택의 유지관리 금융지원을 위한 기초적 연구 (An Elementary Study on Financial Assistance for Maintenance of Multiple Dwellings)

  • 박상훈;백정훈
    • 한국건설관리학회논문집
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    • 제12권2호
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    • pp.41-52
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    • 2011
  • 서울의 경우 세계의 초대형도시에 못지않은 막대한 세대수를 보유하고 있으나, 지금까지 기존의 주택을 활용하거나 재이용하기 보다는 새로운 주택을 건설하는 등 성장위주의 주택정책으로 인해 기존 공동주택을 유지하고 재이용하는 정책개발에 대한 노력은 미비하였다. 서울의 아파트 또는 분당, 일산 등 1기 신도시가 건설된 지 약 20년이 되는 등 개보수가 필요한 수선주기가 다가옴에 따라 기존의 품질을 유지하고, 안전하게 활용하기 위해서는 기존 공동주택의 유지관리를 유도할 수 있는 론(loan) 보조금 세금우대프로그램 등 금융지원이 절실한 실정이다. 따라서, 본고에서는 세계적인 거대도시로서 다양한 주거형태를 보이고 있는 뉴욕시와 도쿄도의 론 보조금 세금우대프로그램 등 금융지원체계를 비교 분석하여 국내에 유지관리금융지원방안을 제안하였다.

은행의 대출사업에 미치는 비이자부문 영업성과의 영향력 (The Effect of Performance of Non-Interest Operating Sector on Lending Business in Korea)

  • 서지용
    • Journal of the Korean Data Analysis Society
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    • 제20권6호
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    • pp.3037-3048
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    • 2018
  • 본 연구는 비이자부문과 이자부문간 수익채산성 대체효과가 존재하지 않는다는 최근 연구결과를 국내 은행을 대상으로 검증하기 위해 시도되었다. 또한, 본 연구는 비이자영업부문으로의 다각화가 은행의 위험감소와 관련성이 있다는 선행연구를 검증하는 작업도 함께 수행하였다. 본 연구를 통해 확인한 주요결과는 다음과 같다. 첫째, 국내 은행들은 비이자영업부문과 이자영업부문간 수익채산성 대체효과를 보여주었다. 총자산대비 비이자이익 비중이 높을수록 대출증가율, 대손충당금 비중이 감소하는 결과를 확인할 수 있었기 때문이다. 둘째, 수익채산성 대체효과는 신탁수익보다는 수수료 수익의 증가와 관련성이 있었다. 수수료 수익비중이 높을수록 대출부문 영업이 축소되는 부(-)의 결과가 확인되었기 때문이다. 셋째, 비이자영업부문으로의 다각화는 은행의 위험감소와 관련이 있으며, 비이자영업부문 성과가 높을수록 위험은 증가하지 않았다. 해당 결과는 비이자영업활동이 위험을 증가시킨다는 DeYoung, Torna(2013)의 주장을 지지하지 않는다. 결론적으로 은행들은 향후 순이자마진 감소에 대비하여 수익채산성 대체효과를 높이기 위해 수수료 수익을 높일 수 있는 비이자영업활동을 적극적으로 영위할 필요가 있다.

머신러닝을 활용한 기상조건에 따른 공공도서관 도서대출 수요분석 (Analysis of public library book loan demand according to weather conditions using machine learning)

  • 오민기;김건욱;신세영;이진명;장원준
    • 디지털융복합연구
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    • 제20권3호
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    • pp.41-52
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    • 2022
  • 국내 공공도서관은 1, 2차 도서관 발전 종합계획을 토대로 양적 성장을 이루었으나, 질적으로는 다소 부족한 점이 있어 이를 개선하기 위한 다양한 연구가 수행되었다. 대다수 선행연구에서는 사회·경제적 요인과 통계분석에 한정되어 수행된 한계점이 있다. 이에 본 연구에서는 시공간적 개념을 적용하여 강우와 폭염으로 인한 공공도서관 대출 수요 감소를 정량적으로 산출하고, 기상 변화로 도서 대출 수요 감소가 높은 지역과 그렇지 않은 지역을 군집화하여 공공도서관 내·외부 요인들과 결합한 후 기상변화에 따른 공공도서관 대출 수요 변화를 분석하였다. 분석 결과 공공도서관별 기상으로 인한 감소 차이가 존재하였으며, 공공도서관의 특성과 공간적 위치에 따라 일부 다르게 나타났다. 또한, 기온이 35℃ 이상인 폭염일 경우 도서 대출 수요 감소 폭이 많이 증가하였으며, 랜덤포레스트 모형으로 분석한 결과 유의미한 요인이 도출되었다. 내적 요인으로는 좌석 수, 장서 수, 면적이 도출되었으며, 외적 요인으로는 공공도서관 접근 경사로, 카페, 독서실, 10대 유동인구, 30/40대 여성 유동인구가 중요한 변수로 분석되었다. 이러한 분석 결과는 특정 시즌 기상을 고려한 공공도서관 이용 활성화 정책 수립에 이바지할 것으로 판단되며, 연구의 한계점도 제시하였다.

Factors Affecting the Liquidity of Firms After Mergers and Acquisitions: A Case Study of Commercial Banks in Vietnam

  • NGUYEN, Thi Nguyet Dung;HA, Thanh Cong;NGUYEN, Manh Cuong
    • The Journal of Asian Finance, Economics and Business
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    • 제8권5호
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    • pp.785-793
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    • 2021
  • The purpose of the research is to assess the factors affecting the liquidity of the commercial banks that are conducting mergers and acquisitions activities in Vietnam during the 2008-2018 period. This study employs samples based on 2-component data sets with cross-section and time-series data collected from the annual report of the State Bank and the audited acquisitions financial statements of nine commercial banks engaged in mergers and acquisitions activities. To carry out the research objectives, the authors conducted quantitative analysis through the Pooled OLS, REM, FEM and GMM models. The results shown that: (i) bank liquidity is positively affected by liquidity lagged, the return on equity (ROE) and economic growth; negatively affected by bank size, non-performing loan, short-run loan to deposit ratio; (ii) there is not enough evidence to conclude about the relationship between net profit margin, equity-to-assets ratio and inflation rate to bank liquidity; (iii) notably, we found evidence that, after the mergers and acquisitions, the liquidity of Vietnamese commercial banks decreased. The findings of this study suggest that bank managers take a more comprehensive view of the results of mergers and acquisitions and implications for banks to improve liquidity in the post-merger and acquisitions conditions.

Bank Capital Adequacy Ratio and Bank Performance in Vietnam: A Simultaneous Equations Framework

  • DAO, Binh Thi Thanh;NGUYEN, Kieu Anh
    • The Journal of Asian Finance, Economics and Business
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    • 제7권6호
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    • pp.39-46
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    • 2020
  • Playing an important role in developing the economy and overall developments of the country, commercial banks have to be aware of their crucial presence in order to perform well and contribute significantly. At the same time, as a place to receive deposits, banks are required to be in safe situations to avoid bankruptcy or deal with financial crises. This research seeks to identify the determinants of Capital Adequacy Ratio and Banks' performance as well as the relationship between these two dependent variables. The paper uses 128 observations of 16 Vietnamese commercial banks during the period from 2010 to 2017, with two simultaneous dependent variables CAR and ROE, and independent variables including Return on Assets, Tobin Q, Credit growth, GDP growth, Equity to Deposits, Loans to Deposits, Bank size, Cost to Income, Liquidity risk, Provision for Loan loss ratio, Non-performing loans and Inflation. The results reveal that Capital Adequacy Ratio and Banks' Performance have statistically significant relationship and Credit growth, GDP growth, Equity-to-Deposit ratio and Cost-to-Income ratio all have significant effects on two dependent variables. The findings of this study suggest that commercial banks should control the respective elements in order to maintain adequate level of capital and also create effective performance.

Estimating the Home-Purchase Cost of Seoul Citizens

  • 오덕교;제임스 번즈
    • 한국시스템다이내믹스연구
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    • 제12권2호
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    • pp.5-36
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    • 2011
  • Seoul citizens are currently suffering from high housing price. Home prices have risen more rapidly than salaries so owning a housing unit (apartment, condominium, or single-family home) in Seoul is becoming more difficult than ever. Therefore, this research examines the behavior of average Seoul citizen in owning housing unit in Seoul, Korea, particularly in terms of the length of time required to afford a house unit. This research estimates that it will take about 18.75 years in maximum after getting a job (12.75 years after purchasing the housing unit) to own housing unit in Seoul that is currently valued at $300,000 where the growth rate of income is 2.97% and consumption price increases at a rate of 2.95% per annum. Finally in this research, the optimal growth rate of housing price is estimated ranged from 3.5 to 4.0% minimizing the loan payoff period.

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기술평가지표와 기업성과의 관계비교분석 -초기중소벤처와 성장중소벤처- (The Comparative Study of the relationship between Technology Valuation Index and performance in Ventures)

  • 양동우
    • 기술혁신학회지
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    • 제8권3호
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    • pp.1175-1198
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    • 2005
  • The objective of the study is to verify the relationship between technology valuation indexes and corporate's performance in ventures by business operating periods. The result of the study is expected to be useful in loan evaluation, investment decision, internal management decision making and business improvement. The results of study is as follows. First, in early stage ventures, we find that three major valuation index(technology feasibility, economic efficiency, productivity) are significant ex-ante variables which are discriminating between firms' going concern and firms' failure. Second, in growth stage ventures, we find that three major valuation index(business feasibility, general marketability, technology marketability) are significant ex-ante variables which are discriminating between firms' going concern and firms' failure. Third, in early stage ventures, we find that at least thirty-eight minor valuation index elements are significant ex-ante variables which are discriminating between firms' going concern and firms' failure and in growth stage ventures, thirty-one minor valuation index elements are significant in various analysis' results.

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Factors Influencing the Profitability of Listed Firms in Vietnam's Stock Markets

  • NGUYEN, Dinh Hoan
    • The Journal of Asian Finance, Economics and Business
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    • 제9권7호
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    • pp.197-203
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    • 2022
  • The agricultural sector has an important contribution to the economic development of Vietnam in particular and other countries in general. The growth of enterprises in the industry is an important bridge in promoting the economic development of the country. Currently, the policies of the Government of Vietnam always create favorable conditions for enterprises to conduct business, especially enterprises in the agricultural sector. The study aims to assess factors influencing the profitability of listed firms in Vietnam's stock market. Using 40 enterprises in the agricultural industry listed on the Ho Chi Minh City Stock Exchange and the Hanoi Stock Exchange and using advanced econometric modeling, dealing with defects in the regression model, the research results show that large-scale firm has higher economic efficiency than small-scale firm. In addition, a firm with higher use of loan capital is associated with a more efficient firm, reflected in the relatively good debt management ability of enterprises in the agricultural sector. Adversely, growth and age do not have any impact on firm performance. Macroeconomic factors do not impact profitability. Finally, the study has some policy implications for developing agricultural businesses in the case of Vietnam.