地方化에 따른 地域庶民金融活性化에 관한 硏究 : 慶州地域 相互信用金庫를 中心으로 = Study on the activation of the local petty loan finace : Focus on the mutual saving & finance companies in Kyongju area

다국어 초록 (Multilingual Abstract)

Korea has recorded the high rate of economic growth during the late 30 years. But, because of the excess growth-headed policies, many economic problems had occured. Especially, misdistribution of resources among the regions are serious, and the mitigation is urgently needed.
To mitigate the misdistribution, one of the precedent condition is the activation of the local petty loan finances.
And so, this study investigated the method to activate the L.P.L.F by empirically analyze focused on the M.S.F.C(Mutual Savings & Finance Companies) in Kyeongju area.
The followings are suggested to rationalize the M.S.F.C.
First, relaxation of the government restriction on the M.S.F.C is needed. In consequence, finance mediative function to the commonalty should be expanded.
Second, the promotion of public confidence is one of the most important issue to achieve stable growth. Acordingly, the organization that could mutually co-operate wiyh other members and could be effective of the self-regulation function, namely, 'central organization' should be founded.
Third, diversification of goods that could be used conveniently by the small and midium-sized enterprises, the petty merchant and the general house hold should be accomplished. And it is desirable that permit to deal installment savings and desposit rather than to treat a mitual loan service that connects giving and receiving.
Fourth, clarification of character as a banking organ should be constituted, that is, small loan finance, local finance, install finance and restoration finance.
Take full advantage of this character, the operating stretegies that complete the principle of regionalism and adhering closely to the community should be established for the wider financial services and for the sound growth of M.S.F.C.
Fifth, the extension of self-capital is needed to magnify the limitation of giving and receiving, because the basic and incidental affairs of M.S.F.C are limited based on the self-capital.
Sixth, to provide the financial services that are cheap and good in quality, it is necessary to computerize the system. And, to improve the temperaments of members the staff, study and training should be pursued.

목차 (Table of Contents)

• 目次
• 表目次
• 第1章 序論 = 1
• 第1節 硏究의 目的 = 1
• 第2節 硏究의 範圍 및 方法 = 2
• 第2章 地域經濟와 地域金融= 3
• 第1節 地域經濟의 意義 = 3
• 第2節 金融과 經濟發展 = 5
• 第3節 地域金融의 槪況 = 9
• 第4節 庶民金融과 非銀行金融 = 15
• 第3章 相互信用金庫에 關한 一般的 考察 = 18
• 第1節 相互信用金庫의 役割과 特性 = 18
• 第2節 相互信用金庫의 業務와 規制 = 20
• 第3節 相互信用金庫의 關聯組織 = 24
• 第4章 外國의 庶民金融 = 26
• 第1節 日本의 相互銀行 = 26
• 第2節 獨逸의 貯蓄銀行과 信用協同組合 = 29
• 第5章 相互信用金庫의 現況 및 問題點 = 34
• 第1節 相互信用金庫의 現況 =34
• 第2節 相互信用金庫의 當面問題點 = 41
• 第6章 慶州地域 庶民金融에 關한 實態調査分析 = 46
• 第1節 地域金融 現況 = 49
• 第2節 分析方法 및 目的 = 49
• 第3節 實態調査 結果分析 = 50
• 第4節 分析結果 示唆點 = 65
• 第7章 地域金融 生活化方案 = 66
• 第1節 制度的 側面 = 66
• 第2節 經濟的 側面 = 70
• 第8章 結論 = 74
• SUMMARY = 76
• 參考文獻 = 78
• 附錄 = 81