서민금융 문제점과 정책 대안 - 부산지역을 중심으로 -
The problems of people's finance and policy proposals for the activation of small-loans to the self-employed in Busan region
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The purpose of this paper is to propose policy measures for the People's financial institutions to activate small loans to the self-employed in Busan region. People's financial institutions are mainly composed of Mutual Savings Banks, Credit Unions, Mutual Credits and supply credits to borrowers whose credit scores are not high enough to access to bank credits. But nowadays it is said that the self-employed are financially constrained and the government has proposed policy proposals to ease their financial constraints such as 'hatsal-loan'. These phenomena mean that People's financial institutions don't do as they are expected to do. To ease financial constraints of the low income class and to strengthen their operational grounds People's financial institutions should adopt relationship bankings.
Abstract
The purpose of this paper is to propose policy measures for the People's financial institutions to activate small loans to the self-employed in Busan region. People's financial institutions are mainly composed of Mutual Savings Banks, Credit Unions, Mutual Credits and supply credits to borrowers whose credit scores are not high enough to access to bank credits. But nowadays it is said that the self-employed are financially constrained and the government has proposed policy proposals to ease their financial constraints such as 'hatsal-loan'. These phenomena mean that People's financial institutions don't do as they are expected to do. To ease financial constraints of the low income class and to strengthen their operational grounds People's financial institutions should adopt relationship bankings.
참고문헌 (23)
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