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An Empirical Study on the Dividends Characteristics of the Credit Union
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신협의 배당특성에 관한 실증연구

논문 기본 정보

Type
Academic journal
Author
Jeon Jae Hong (건국대학교)
Journal
한국금융공학회 金融工學硏究 金融工學硏究 제20권 제4호 KCI Accredited Journals
Published
2021.12
Pages
1 - 38 (38page)
DOI
10.35527/kfedoi.2021.20.4.001

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An Empirical Study on the Dividends Characteristics of the Credit Union
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The purpose of this article is to examine the differentiating characteristics of credit unions as non-bank deposit-handling financial institutions, and to analyze the relationship between various financial factors and dividends, This study is also empirically studying the characteristics of credit union dividends. A panel analysis model was used to analyze the financial data of the national regional credit unions, which have paid annual dividends for the sample period of 14 years from 2006 to 2019. Based on the size of the city, it was analyzed by dividing it into metropolitan cities, general cities, and eup-myeon units. The results of the analysis were first found to support the previous studies of banks in terms of asset size and profitability. Second, we found that the correlation between dividend payout ratio and dividend yield was extremely low. Third, it was confirmed that the dividend of credit unions is determined in conjunction with the interest rate of time deposits. Fourth, it was found that the dividend rate provides higher returns than the interest rate of time deposits. Fifth, it was found that dividends were used as a means to create an investment level. Sixth, it was found that dividend smoothing behavior is actively used to maintain stable dividends. Seventh, it was confirmed that elected officials do not use dividends as a means for elections. Eighth, it was found that there was diversity by city size. Considering that the practice of raising investment funds like savings deposits on the premise of providing high dividend yields to maintain capital adequacy in the recent trend of increasing asset size of credit unions, this study is expected to accelerate the existing internal reservation, It suggests the implication that various equity capital systems should be considered in addition to member investment.
#신협 #배당성향 #배당률 #배당특성 #금융협동조합 #credit union #dividend payout ratio #dividend rate #dividend characteristics #financial cooperatives

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구정옥 / 2005 / 신협 출자금의 성격과 자기자본비율규제에 대한 소고 / 신협연구 46:77~90 google schola 김병용 / 2007 / 국내은행의 지배구조가 경영성과에 미치는 영향에 관한 연구 / 대한경영학회지 20(5):2405~2430 dbpia 김우진 / 2017 / 은행그룹의 비용구조가 경영성과에 미치는 영향 :1~118 google schola 김태규 / 2019 / 신용등급과 배당정책 / 金融工學硏究 18(2):27~49 dbpia 김학건 / 2018 / 저축은행의 지분구조와 배당에 대한 실증분석 / 경제분석 24(1):46~66 google schola

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