대고객관계에 의한 신용할당이론에 관한 연구

A Study on the Theory of Credit Rationing in the Customer Relation

In the financial market of Korea various types of credit rationing have been existed. Among them credit rationg under the external restriction and credit rationing in the customer relation are prevalent. These types of the autonomous credit rationing are created under the condition of financial repression by government. Banking corporations endeavor to increase their revenue and to make sure of security under the credit regulation and interest regulation. Consequently preponderant loan behavior is generalized by the credit rationing in the customer relation and this behavior resulted in inefficiences in the allocation of financial resources. But in accordance with financial liberalization credit rationing behavior of bank corporation will be changed. Specially credit rationing in the customer relation will be also changed and this phenomena will bring about improvements in the effectiveness of the allocation of financial resources. In this thesis the theory of credit rationing in the customer relation is analyzed and verified by the institution and the usual practice of Korean financial market. And the behavioral changes in the credit rationing in the customer relation and the effects of these changes are investigated.