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한국협동조합학회 한국협동조합연구 한국협동조합연구 제36권 제1호
발행연도
2018.1
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135 - 161 (27page)

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The recent social and economic trends suggest that a key inflection point is emerging - whether globalization and its endemic income inequality will prevail, or whether there will be a better balance in society via social mobilization in favour of social enterprise and social finance. We address how community based credit unions, especially ones that are small, are able to thrive today. We acknowledge their vulnerabilities as they strive to remain viable in today’s financial markets facing heavier regulations. Community development credit unions, especially the smaller ones – are they a dramatic actor for collective benefits? Or are they an illusion for dreamers? The study begins with data review of credit unions operating in Korea, in the USA and in Canada in the western province of British Columbia. In each jurisdiction there has been attrition in the number of credit unions , nevertheless small credit unions remain present, to various degrees. The theoretical base to argue for restoring community access to credit via local credit unions, or financial cooperatives, is our adaptation of Fukuyama’s Framework for national development.1) Local and small credit unions build trust, mobilize their members, and add critical capacity to their community. The study drills into the case of BC based credit unions in Canada and into the subset of US credit unions designated as Community Development Credit Unions (CDCU). Also included are brief references to two Korean community credit initiatives, that offer resilient examples to provide access to credit. Each demonstrates unique approaches to enable success of small credit unions in their local markets. Each demonstrates critical factors that enable expansion or reflect atrophy. The study does not shy away from the consequences to small credit unions in particular when the national economy fails their members such as in recessions or in financial crises. The conclusion is not prescriptive for Korea. It does contribute to the debate taking place today in Korea – and in other jurisdictions. As the financial system adjusts from the Asian crisis in 1997 and from the Western crisis in 2007, central bankers’ dominant theme is in favour of consolidation and systemically important banks, rather than decentralizing savings intermediation and creating regimes that sponsor local access to credit. Despite the vulnerabilities that small credit unions have in today’s markets, this study points to specific Macro Frameworks and Micro Friendships that enable community access to credit, that enable small credit unions, that are built on trust and social mobilization..

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참고문헌 (19)

참고문헌 신청
Block, Peter / 2016 / Another Kingdom:Departing from the Consumer Culture / Wiley & Sons Press google schola Bruni, Luiginom / 2013 / Handbook on the Economics of Reciprocity and Social Enterprise / Edward Elger Publishing google schola Zamagni, Vera N / 2013 / Mutualism :238~244 google schola DeFilippis, James / 2002 / On Community, Economic Development and Credit Unions:The Case of Bethex FCU and the South Bronx google schola Dobrzanski, Cristobal / 2013 / BC Credit Unions and Credit Union Central 1- Creation & Current: Chapters 1 & 2 / Citizens Bank of Canada, unpublished google schola

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