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서민금융제약의 완화와 신용협동기구의 과제

Easing the financial constraint of the low income classes and the tasks of the mutual credit institutions

최진배
한국지역사회학회 (Korean Association Of Regional Studies)|2012.10|지역사회연구 (Journal of Regional Studies)|제20권 제3호|pp. 43-64

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참고문헌

키워드

financial constraintsmutual credit institutionslow income classloan shark
주제분류국제/지역개발

초록

The mutual credit institutions say that they, as financial institutions which lie on the lowest stratum of the financial hierarchy, supply credits to the low income classes. But nowadays we witness the continuous growth of loan sharks. It means that the mutual credit institutions do not play meaningful roles in easing their financial constraints. Furthermore their identity as mutual credits seems suspicious. As the credit risks of the low income classes increase, they hesitate to lend them who want to borrow small amounts and cannot provide collaterals. Instead, they choose to lend relatively large sum of money to who can provide collaterals and to non credit union members. These show that they do not want to help union members to stand on their own feet but to maximize profits. The purpose of this paper is to analyse the operational grounds of the mutual credit institutions and to propose their tasks as mutual credit institutions which ought to help their members' economic independence.

Abstract

The mutual credit institutions say that they, as financial institutions which lie on the lowest stratum of the financial hierarchy, supply credits to the low income classes. But nowadays we witness the continuous growth of loan sharks. It means that the mutual credit institutions do not play meaningful roles in easing their financial constraints. Furthermore their identity as mutual credits seems suspicious. As the credit risks of the low income classes increase, they hesitate to lend them who want to borrow small amounts and cannot provide collaterals. Instead, they choose to lend relatively large sum of money to who can provide collaterals and to non credit union members. These show that they do not want to help union members to stand on their own feet but to maximize profits. The purpose of this paper is to analyse the operational grounds of the mutual credit institutions and to propose their tasks as mutual credit institutions which ought to help their members' economic independence.

참고문헌 (38)

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