지원사업
학술연구/단체지원/교육 등 연구자 활동을 지속하도록 DBpia가 지원하고 있어요.
커뮤니티
연구자들이 자신의 연구와 전문성을 널리 알리고, 새로운 협력의 기회를 만들 수 있는 네트워킹 공간이에요.
초록· 키워드
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This study aims to establish a long-term vision for the regional financial system of Gyeonggi province and the policy measures to achieve it. More precisely, it proposes strategic policy orientations to make the financial sector to play the leading role in Gyeonggi province in the future, and discusses necessary reforms of private as well as public financial arrangements to render the regional financial system of Gyeonggi province an effective credit provider for SMEs. This study is based on document survey, statistical investigation, and surveys of SMEs. The main conclusions can be summarized as follows.
First, Gyeonggi province has to take seriously into account the establishment of a regional bank, tentatively named "Gyeonggi Bank". This bank may paly an important role in the increase of the value added of financial sector, job creation and finance for SMEs.
Second, more serious efforts are required to induce foreign financial companies to establish their branch or subsidiary in the region.
Third, special measures need to be introduced to strengthen the role played by relationship-based financial institutions such as savings banks and cooperatives. One example is that they would be allowed to take part in the provision process of subsidized loans.
Fourth, it is necessary to establish objective criteria for the selection of the main bank of the provincial government, and announce them explicitly to induce candidate banks to contribute to the regional economy.
Fifth, a bigger and more active public investment fund for SMEs with an effective incentive scheme to attract private investors is needed. The public-private partnership investment funds like the SBIC program of the USA may be considered as a model.
Sixth, the functioning of the subsidized loans for SMEs provided by the provincial government need to be ameliorated to achieve the policy goals. Regarding the selection, more funds have to be allocated according to the credit evaluation process. An effective monitoring and technical assistance scheme for lenders will be also helpful.
Seventh, commercial banks are called to participate more actively in the credit guarantee process. In the long run the Gyeonggi Credit Guarantee Foundation has to confine its role as the examiner of financial institutions on their acceptability as guarantee provider.
If the policy measures proposed in the report are successfully implemented, Gyeonggi province will attain advanced regional financial system, which is good at allocating funds to enterprises and plays a more important role in the regional economic growth. The proportion of the value added created by the financial sector is expected to reach 12% in 2017 from 5.7% in 2006. The success hinges critically on whether each group of economic agents, central government, provincial government, financial institutions, large enterprises, and SME exert appropriate functions assigned to it.
First, Gyeonggi province has to take seriously into account the establishment of a regional bank, tentatively named "Gyeonggi Bank". This bank may paly an important role in the increase of the value added of financial sector, job creation and finance for SMEs.
Second, more serious efforts are required to induce foreign financial companies to establish their branch or subsidiary in the region.
Third, special measures need to be introduced to strengthen the role played by relationship-based financial institutions such as savings banks and cooperatives. One example is that they would be allowed to take part in the provision process of subsidized loans.
Fourth, it is necessary to establish objective criteria for the selection of the main bank of the provincial government, and announce them explicitly to induce candidate banks to contribute to the regional economy.
Fifth, a bigger and more active public investment fund for SMEs with an effective incentive scheme to attract private investors is needed. The public-private partnership investment funds like the SBIC program of the USA may be considered as a model.
Sixth, the functioning of the subsidized loans for SMEs provided by the provincial government need to be ameliorated to achieve the policy goals. Regarding the selection, more funds have to be allocated according to the credit evaluation process. An effective monitoring and technical assistance scheme for lenders will be also helpful.
Seventh, commercial banks are called to participate more actively in the credit guarantee process. In the long run the Gyeonggi Credit Guarantee Foundation has to confine its role as the examiner of financial institutions on their acceptability as guarantee provider.
If the policy measures proposed in the report are successfully implemented, Gyeonggi province will attain advanced regional financial system, which is good at allocating funds to enterprises and plays a more important role in the regional economic growth. The proportion of the value added created by the financial sector is expected to reach 12% in 2017 from 5.7% in 2006. The success hinges critically on whether each group of economic agents, central government, provincial government, financial institutions, large enterprises, and SME exert appropriate functions assigned to it.
목차
제1장 서론
제2장 금융환경의 변화
제3장 지역금융시스템의 의의와 외국의 사례
제4장 경기도 지역금융시스템의 현황 및 평가
제5장 경기도 지역금융시스템의 확립 방안
제6장 결론
〈참고문헌〉
ABSTRACT
연구요약
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UCI(KEPA) : I410-ECN-0101-2010-309-002839213