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An Analysis on the Effect of Saving Banks on Financial Profitability and Stability after Restructuring : Focusing on Bank Size and Ownership Structure
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저축은행 구조조정이후 수익성과 건전성분석 : 규모 및 소유구조를 중심으로

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Type
Academic journal
Author
Bae, Soo Hyun (대구가톨릭대학교)
Journal
Korean Association Of Business Education Korean Business Education Review Vol.34 No.2(Wn.114) KCI Accredited Journals
Published
2019.4
Pages
135 - 154 (20page)

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An Analysis on the Effect of Saving Banks on Financial Profitability and Stability after Restructuring : Focusing on Bank Size and Ownership Structure
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Abstract· Keywords

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[Purpose] The purpose of this study is to analyze the impact of size and ownership structure on the performance of savings banks. The analysis period is after restructuring.
[Methodology] In this study, the semi－annual financial statements for the period 2014－2018 were used on the basis of a sample of 79 saving banks. In order to analyze the differential effects of savings bank size and ownership structure, panel regression analysis was conducted using the stochastic GLS model.
[Findings] Analysis of post－restructural restructuring shows that the larger the savings banks, the more profitable they are, and the higher the concentration of the loans, the higher the business performance. In addition, the ownership structure changed during the restructuring process did not result in significant management performance. However, the concentration of loans by capitalistic savings banks has been high, and bad loans have been reduced, resulting in systematic loan management.
[Implications] Verifying the performance of savings banks belonging to financial institutions such as financial holding companies and loan industries will serve as important information to the industry and academia at the end of the restructuring process. In the future, savings banks related to the financial sector, which are centered on financial holding companies and loan industry fever, are required to improve their profitability through synergistic effects. In addition, relatively small savings banks suggest that systematic credit management is needed through the improvement of the credit rating system.
#저축은행 #구조조정 #규모 #소유구조 #대출집중도 #Savings Banks #Restructuring #Bank Size #Loan Concentration #Ownership Structure

Contents

요약
Ⅰ. 서론
Ⅱ. 저축은행 소유구조 현황 및 선행연구 검토
Ⅲ. 연구방법 설계
Ⅳ. 실증 분석
Ⅴ. 결론
참고문헌
Abstract

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UCI(KEPA) : I410-ECN-0101-2019-032-000802538