서민금융제약의 완화와 신용협동기구의 과제 = Easing the financial constraint of the low income classes and the tasks of the mutual credit institutions

다국어 초록 (Multilingual 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.

목차 (Table of Contents)

• Abstract
• 1. 서론
• 2. 비대칭적 정보와 신용협동기구
• 3. 신용협동기구의 영업실태
• 4. 개선방안
• 5. 결론
• 참고문헌

참고문헌 (Reference)

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