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논문 기본 정보

자료유형
학술저널
저자정보
이국형 (강원대학교) 방경식 (강원대학교) 문영기 (강원대학교)
저널정보
한국주거환경학회 주거환경 住居環境 통권 제10권 제1호 (통권 제17호)
발행연도
2012.6
수록면
181 - 200 (20page)

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초록· 키워드

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This study aims to analyze the ideas of whether the financial institutions would accept easing credit-enhancement (typically in the form of guarantees) requirements on real estate project finance (PF) loans; if they accept whether they would participate in PF loans with these eased requirements; and if they participate in these PF loans which factors they would consider. Statistical methods have been applied and AMOS 19.0 and SPSS 12.0 in particular were used in this analysis. The statistical population was 281 relevant professionals working at 41 financial institutions. Effectively 150 completed surveys have been collected and analyzed - 172 completed surveys have been collected, 22 of which were discarded because they were unsuitable for analysis.
The potential variables of this research model, based on choice factors of behavior, were taken as follows: ⅰ) the perception of real estate PF lending; ⅱ) the need of easing credit-enhancement; ⅲ) the implementation level of real estate PF; ⅳ) the receptiveness of easing credit-enhancement approaches; and ⅴ) the possibility of project participation from financial institutions.
The research results are the following. First, the financial institutions appreciate the notional reason that risk should be shared among real estate PF participants and the ongoing change of credit-enhancement environment provided by construction companies. Therefore easing credit-enhancement requirements is necessary, and financial institutions are reviewing corresponding solutions in taking risks related to PF loans. Second, financial institutions are raising the following conditions for future projects they would consider for PF lending: ⅰ) projects where a third-party shares construction completion risk by lending against the construction cost; ⅱ) joint venture projects with land owners or projects of which the PF amounts are small owing to increased equity contribution from the real estate developer. This attitude of the financial institutions implies that they will participate in PF lending passively and in limited scale compared to the past should the credit-enhancement becomes eased.

목차

Abstract
I. 서론
II. 이론고찰
III. 설문조사 설계
IV. 신용공여 완화에 대한 금융회사 인식 및 완화방안
V. 결론
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UCI(KEPA) : I410-ECN-0101-2013-595-002659471