위탁관리 순환근무제의 문제점과 개선방안에 관한 연구 : A기금의 사례를 중심으로 = A Study on the Problem and Improvement Plan of Rotation-work System as a Trust Management

다국어 초록 (Multilingual Abstract)

A guarantee fund is the trust-supplement system for farmer and fisher for the purpose of serving the harmonious development of farm-fishery village economy due to smoothing the fund accommodation from bank organ, establishing the trust-centered bank order and supporting the efficient government funds of farm-fishery policy money as supplementing the deficient security ability for farmer and fisher through the trust guaranty.
Since establishing the fund, its management has served to the activation of trust-guaranty function as making use of Nonghyup's organization, personnel, network, etc. in spite of its poor fund resources as entrusting to Nonghyup central but confronts a change of management system so as to solve the problems like moral hazard, etc. happening because Nonghyup central is double as management organ of A guarantee fund depending on the change of conditions like the increase of government contribution and the sudden increase of alterative repayment according to an increase of trust size.
This study presented an improvement direction and method of A guarantee fund based on independent operation of A guarantee fund as the personnel problems of fund.
We must measure the trust evaluation for the origin of objective judgement so as to improve the poor problem of speciality and evaluate the correct trust ability and magnify the opportunity of education. We must apply CDP to the working-staff in A guarantee fund and make-ready the long-term working conditions achieve its result after systemizing to make partial qualifications ready about the moving-in staff to A guarantee fund.
The improvement of problems on moral hazard will make basic knowledge for each staff ready due to magnifying the consciousness education. We must remain the mutual check with other organizations due to magnifying the personnel composition of A guarantee fund. Also, the problem on information-asymmetry happening from moral hazard must propel the co-utilization of bank organ with A guarantee fund so as to use it through the mutual exchange of important informations related with trust guaranty.
The improvement on distortion of result-evaluation must change the evaluation method for the direction to support actually due to sublating the measurement evaluation and amending the evaluation items.
This study thought problems happening from the rotation-work system of personnel as entrusting A guarantee fund to Nonghyup central and took out their improvement plans. This took out an improvement plan in the other viewpoint from the existed researchers presented the efficiency and improvement of fund but it will be able to display larger effect on practicing with the integration and system improvement studied and discussed in the past. In the future, it is necessary to study systematically as integrating the system and problem of personnel covered with all the farms and fisheries getting out of the study on development of A guarantee fund having presented partially.

목차 (Table of Contents)

• 표 목 차 iii
• ABSTRACT iv
• 제1장 서론 1
• 1.1 문제의 제기 및 연구의 목적 1
• 1.2 연구의 방법 및 범위 3
• 제2장 이론적 논의 : A기금의 특징과 순환근무제도 4
• 2.1 농업금융의 특성 4
• 2.1.1 농업금융의 일반적 특성 4
• 2.1.2 농업금융의 신용할당 현상 6
• 2.1.3 농업금융에서의 정보의 비대칭성 12
• 2.2 A기금의 설립 및 특징 15
• 2.2.1 제도적 특징 17
• 2.2.2 운용적 특징 18
• 2.2.3 A기금 운영방안에 관한 기존연구 결과 21
• 2.3 순환근무제도에 대한 이해 26
• 2.3.1 순환근무의 의의 26
• 2.3.2 순환근무의 기능과 역기능 29
• 제3장 사례연구 : A기금의 위탁관리에 따른 순환근무의 문제점 및 개선방안 32
• 3.1 A기금의 위탁관리와 순환근무 33
• 3.2 위탁관리에 따른 A기금 문제점의 기존 논의 35
• 3.2.1 감사원의 문제점 제기 35
• 3.2.2 내부직원의 인터뷰 결과 38
• 3.3 A기금 순환근무의 원인과 문제점 41
• 3.3.1 전문성 부족의 문제 41
• 3.3.2 도덕적 해이의 문제 43
• 3.3.3 업적평가와 관련한 운영의 문제 48
• 3.4 순환근무에 따른 문제점 개선방안 50
• 3.4.1 전문성 부족의 문제 개선방안 50
• 3.4.2 도덕적 해이의 문제 개선방안 53
• 3.4.3 업적평가와 관련한 운영의 문제 개선방안 55
• 제4장 요약 및 결론 56
• <참고문헌> 60