외국 은행의 진입과기업-주거래은행간의 관계
Foreign banks and Main Bank Relations
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글로벌 경제화와 더불어 은행의 글로벌화도 빠른 속도로 진행되고 있다. 은행의 글로벌화는 세계경제 발전을 뒷받침하는 긍정적 측면과 함께 한 국가의 경제적 위험을 글로벌 위험으로 확산시키는 부정적 측면도 공존하고 있다. 따라서 글로벌 은행의 중요성이 증가하며 많은 관심의 대상이 되고 있다. 본고는 한국의 기업수준 미시자료(firm level micro data)를 이용하여 외국 은행과 기업과의 주거래은행 관계에 대해 분석하였다. 외국은행과의 주거래관계 여부, 외국은행에 대한 대출 의존도 등에 따라 주거래은행과 기업의 관계가 어떠한 차이를 보이는 지를 분석하였다. 분석결과에 따르면 외국은행과 주거래 관계를 가지거나, 외국은행으로부터 많은 대출을 받을수록 주거래은행과 기업의 관계가 강하지 않은 것으로 추정되었다.
Abstract
This paper examines the impact of foreign-ownership of banks on main bank relations using South Korean data. Empirical analyses in this paper show that the foreign-ownership of banks might make the bank-firm relationship weaker. Particularly, it investigates the lending behavior of firms from the bank due to the foreign bank relations using various kinds of foreign-owned bank relations: the main bank of foreign-ownership, the ratio of the loan from foreign-owned banks, the ratio of the loan from the 3 commercial foreign-owned banks, the ratio of the loan from the branches of foreign bank. Empirical analyses in this paper show that the foreign-owned bank relations might reduce the dependency of firms on their main banks.
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