신협의 중소기업 대출행태 분석

An Analysis of Credit Union’s Loan Behavior for SMEs

CUs differ from banks in many respects, the first of which is that these are not-for-profit cooperative institutions owned by members sharing a common bond of occupation, association or community. The problem, however, is that CUs have different aims: social aim and self-sustaining aim. This paper, hence, analyse the behavioral pattern of CUs using the rolling regression method, the shift-share analysis and the BCG matrixes. This paper shows that Gwangju credit union grows more rapidly than its counterparts, while Jeonnam credit union is less competitive than the credit unions at the national levels using the shift-share analysis. This paper also employs the positioning analysis on the credit unions using BCG matrix. Gwangju moves from a child market to a cash cow market and Jeonnam degrades from a child market to a dog market. To the contrary, Busan and Daegu achieve large-scale evolution from a child market to a star market and Gyeongbuk succeeds in escaping from a dog market. The results suggest that Gwangju and Jeonnam credit unions are not performing as well as the national average, while Busan and Daegu are performing well above the national average.