경쟁력 제고를 위한 새마을금고 경영개선방안 연구

Abstract

Crises and opportunities are approaching to community-based regional institutions such as Saemaeul Finance Firm (Community Credit Cooperatives) etc. that has executed its roles well according to recent financial environments. Regarding to crises of regional populace institutions, they are getting regulations like comparative restrictions on treating financial goods compared to rapid advances of financial innovations, and thus could be lag behind in competition with national scale institutions including bank etc. On the other hand, new roles have been increased gradually such like positively providing financial supports to financial alienations toward the working classes and self-employed small contractors who were vulnerable to credits according to introductions of credit-based risks guidelines in 2006 New BIS Agreement (Basel Ⅱ) from the Financial Supervisory Service. Saemaeul Finance Firm have to endeavor for doing roles of community regional populace institutions by focusing on realizing existence values of the cooperative while carrying out community developing activities actively, and stress on the cooperative characteristics because the funds have grown without uniquely getting public funds and shown consistent fruitions, and further were distributed to places where populace could approach easily compared to other financial institutions. Regional populace institutions including Saemaeul Finance Firm shall specified clients who are low in creditworthiness comparatively rather than competitions with national scale banks, and banks have to specialize on high-credit clients, and thus mutual supplementary cooperation would be made afterwards. Currently clients become tired on new ones rapidly according to financial environment changes and are requesting high quality services more. Thus, systematic and creative managements as a regional institution are required to Saemaeul Finance Firm so as to satisfy various needs of clients and become differentiated one with other financial institutions, and the necessity of having to focus on providing customized financial solutions through which the width of client selections became diversified. Also, Saemaeul Finance Firm has to do roles fit to its establish purposes as a cooperative by preparing for methods by which low-credit classes could get financial services easily together with expanding social welfare services to regional populace. Therefore, this study proposed and analyzed 4 policies with recognitions like Saemaeul Finance Firm is an essential regional finance institution through concentrations on roles as an regional populace institution together with organizing community by doing welfare and educational projects. Firstly, Saemaeul Finance Firm is introducing delegate election system for selecting regional chief directors and chairman of HQ’s as electoral and institutional problems in relation with strengthening methods on asset soundness. Though regional Saemaeul Finance Firm are selecting chief directors through direct elections, but Central Saemaeul Finance Firm is impeding its diffusion to total Saemaeul Finance Firm and its developments actually by being made cloudy in credibility and images because losers and followers of candidates are doing complaint and accusation together with sending anonymous letters to medium after finishing elections. Thus, the study did a comparative analysis on membership and delegate systems on regional Saemaeul Finance Firm, suggesting methods of roles as regional populace institution to developing countries through ODA policy in order to do overseas advances secondly, supporting methods for community-based finance so that low-credit classes could get financial services easily thirdly, and researching on foreign and domestic populace finances in the US and Japan etc. in addition to domestic Saemaeul Finance Firm fourthly, and making the funds could do roles fit to establishing purposes as Saemaeul Finance Firm by preparing for provisions of social welfare services on regional populace and expanding ways fifthly. Regarding to the future of Saemaeul Finance Firm, it is judged that supports to various policy initiatives could be executed consistently same as aforesaid especially because the funds has been doing sound growth till now through tax assistances of governmental indirect policy etc. without getting public funds that was unique in our country’s financial institutions after IMF. Saemaeul Finance Firm have to do roles fit to its establishing purposes as a cooperative by preparing for methods through which low-credit classes could get financial services easily and social welfare services are provided to regional populace tiers. In addition, it is considered that Saemaeul Finance Firm is able to device sufficient survivals and growth in competitions with large financial institutions and global financial groups, and would strength competitiveness as a regional populace finance.