한국 신협의 변화하는 사회적 역할에 대한 고찰 = A Study of the Changing Social Roles of the Korean Credit Union

다국어 초록 (Multilingual Abstract)

With a recent decline in the share of credit loans, an increase in the use of non-union members, and a requirement to expand the border of joint bonds, the Korean credit union’s need to redefine its identity is growing. This paper raises that these problems are inevitable as the challenges of the times faced by the credit union have changed recently, and that missions need to be redefined in the direction of solving new challenges. The core identity of the credit union is the social purpose of financial services along with the ownership of the credit union by depositors and borrowers. As the content of these social objectives has lately altered dramatically, this study highlights the need to reset the mission and re-establish the related operating principles. In conclusion, this study suggests that it is necessary to diversify the missions of credit unions in the network, such as credit unions that promote social value and credit unions that help to meet the financial needs of the financially excluded.