지역금융이론에 대한 하나의 비판적 검토

최진배(Choi JinBae) 한국지역사회학회 2010 지역사회연구 Vol.18 No.2

The regional finance theory says that, due to asymmetric Information, interregional interest rates may be different, credits can be rationed, and deposits of a region can be transferred to another region, especially to financial center. But In fact the regional financial problem is the problem whose creditworthiness is weak. The small financial Institutions located in the regions and supply credits to them take much more risks than the large financial institutions. As the large institutions which seize the higher position in the hierarchy of financial institutions enlarge their operational grounds, the small institutions are getting worse. For the smooth reproduction of the national economy and for the stabilization of the society, it is important to supply enough credits to those whose creditworthiness is weak. Therefore the government should pay special attention to the small regional Institutions.

1980-90년대의 금융자율화와 신협의 대응

최진배(Choi, Jinbae) 한국지역사회학회 2013 지역사회연구 Vol.21 No.4

The financial liberalization policies in 1980s and 1990s in Korea gave rise to a widespread financial structural changes. The Korea credit unions tried hard to enhance their competitiveness and to promote them to a higher position in the financial industry, and they continuously asked the government to ease various kinds of regulations imposed upon them. But the government turned down their requests on the grounds that their true competitiveness would be enhanced if they firmly followed the principles of credit cooperatives. We can say that the instability of their businesses was one of the important factors that prevented them from getting government support. But the measures of the government had some flaws. They should help them to succeed and develop the spirits of the cooperatives while adapting themselves to the changing economic and financial environments.

참여, 민주적 관리 그리고 한국의 지역신협

최진배 ( Choi Jinbae ),권오혁 ( Kwon Ohyeok ) 농협대학교 협동조합경영연구소 2018 협동조합경영연구 Vol.48 No.-

조합원의 참여와 민주적 관리는 협동조합 원칙을 구성하는 하나의 요인이며 1980년대 이후 ICA가 협동조합의 정체성문제를 검토할 때 매우 중요하게 생각한 요인이다. 이러한 사정은 1995년 ICA가 정체성선언을 할 때 약화된 조합원 참여와 민주적 관리를 어떻게 하면 강화할 수 있을까 하는데 많은 주의를 기울였다는 점에서 확인할 수 있다. 이를 염두에 두면서 이 논문은 한국의 지역신협이 당면하고 있는 문제 특히 약화된 정체성 문제를 검토하는 것을 목적으로 한다. 이 논문은 한국의 지역신협이 조합원의 참여의 의미와 내용을 왜곡하고 있으며, 민주적 관리에는 거의 주목하고 있지 않고 있다고 주장한다. 그리고 이는 그것의 정체성에 매우 부정적인 영향을 미치고 있다고 주장한다. Member participation and democratic management are elements of the cooperative principles, that have been important to the International Co-operative Alliance (ICA) in its examinations of cooperative identity since the 1980s. In the ICA’s 1995 identity announcement, particular attention was paid to how faltering participation and undemocratic management could be addressed. These points are the backdrop to this paper which studies the problems faced by Korean credit unions, especially that of weakened identity. It is asserted that Korean credit unions distort the meaning and content of member participation and are not concerned with democratic management. The very negative effects of this on the identity of Korean credit unions are argued.

협동조합 지배구조에 대한 이론적 쟁점과 한국 금융협동조합에의 시사-지역사회개발 문제를 중심으로

최진배(Choi Jinbae),권오혁(Kwon Ohyeok) 한국공간환경학회 2017 공간과 사회 Vol.27 No.2

협동조합의 지배구조문제에 대한 관심은 1980년대 이후 지속되고 있다. 협동조합의 지배구조문제는 협동조합의 민주적 관리를 위한 조합원의 참여(의식) 제고, 조합원과 임직원의 교육, 지역사회 관여 등과 같은 협동조합 원칙의 문제이다. 원칙들은 협동조합의 가치를 표현하고 있으며, 협동조합의 실천은 원칙을 반영해야 하므로 원칙과 그것이 표현하는 가치가 훼손되고 있다면 협동조합의 정체성도 훼손되었다고 말할 수 있다. 우리나라 금융협동조합은 비교적 오랜 역사를 가지고 있지만 정체성에 대한 의구심이 제기되고 있다. 이러한 문제제기에서 보듯이 우리나라 금융협동조합에도 지배구조의 문제가 존재한다. 협동조합의 원칙을 준수 하면서 조합원과 지역사회를 위해 더욱 적극적인 역할을 하도록 우리나라 금융협동조합의 지배구조에 대한 관심과 연구가 요청되고 있다. Concerns for the corporate governance of cooperatives have increased since the 1980 s. The main problems of corporate governance of cooperatives are mostly related to the cooperatives principle such as increasing the participation of the members for the democratic management of the cooperative, education of cooperative members and employees, and community involvement. Principles express the value of cooperatives, and the practice of cooperatives should reflect the principles, so that if the principles and their values are undermined, it can be said that the identity of the cooperatives is also undermined. While Korean financial cooperatives have a relatively long history, doubts have been raised about its identity. This implies that Korean financial cooperative also have corporate governance problems. There is a need for interest and research on the governance structure of Korean financial cooperative so that cooperatives can play a more active role for the members and local communities while adhering to the principles.

한국 신협의 정체성 위기에 대하여

최진배(Choi, Jinbae) 한국지역사회학회 2014 지역사회연구 Vol.22 No.4

Recently many people say that the Korea credit union should be able to support the co-operatives which are eager to establish themselves after the enactment of Co-operative Law in 2012. But they are disappointed to find out that they almost do nothing and come to raise questions on their identity. This paper agrees with others that its identity is in crisis. To support that assertion this paper examines other papers on the identity of the Korea credit union. After the critical examinations it discusses the identity problems of the Korea credit union on the basis of the values and principles of the co-operative declared by International Cooperative Alliance in 1995 and concludes that the identity problems of the Korea credit union are in serious condition. And it argues that the fact that the Korea credit union adopts the asymmetric information theory as the managerial principle instead of the values and principles of the co-operative is one of the important factors which leads it to identity crisis. Lastly this paper inquires into the concern for the community, one of the principles of co-operative, whether it can help the Korea credit union restore its identity.

기업규모와 재무투명성이 주거래은행의 선택에 미치는 영향

최진배(Choi, Jinbae) 한국지역개발학회 2004 韓國地域開發學會誌 Vol.16 No.2

부산지역 여성기업의 장애요인에 관한 실증적 검토

김경조(Kim KyoungJo),최진배(Choi JinBae),김태훈(Kim Taehun) 한국지역사회학회 2008 지역사회연구 Vol.16 No.4

The small size, disproportionate entrances on some industries, narrow networks and low performances are frequently referred important characteristics of female-owned businesses. The existence of such characteristics implies that there may be some factors disturbing the growth of female-owned businesses. This paper, focusing on the balancing of work and family roles and discontinuance of career, examines whether trouble factors of female-owned businesses can explain the characteristics of female-owned businesses in Korea. The results show that these disturbing factors effect the accumulation of capitals for start-ups and careers, so that female-owned businesses enter disproportionately on service industry and their sizes are small. These support existing study results.

국내 여성중소기업과 남성중소기업의 경영성과 비교

김경조(Kyungjo Kim),최진배(,Jinbae Choi),김태훈(Taehun Kim) 한국여성정책연구원(구 한국여성개발원) 2008 여성연구 Vol.75 No.-

본 연구는 국내 여성중소기업과 남성중소기업의 경영성과를 비교‧검토하고 있다. 본 연구는 기술보증기금의 자료를 이용하고 있으며, 이는 총 68,091개 기업으로 구성되어 있다. 이중 남성기업은 63,940개(93.9%)이며, 여성기업은 4,151개(6.1%)이다. 본 연구에 사용된 분석방법은 분할표 검정, t-검정 등이다. 분석결과, 업력을 고려할 경우 여성기업의 보증사고의 가능성은 남성기업의 그것보다 낮다. 그리고 재무적 성과도 여성기업이 남성기업보다 좋다. 이는 기존의 연구결과와 부분적으로만 일치된다. This study has examined and compared the performances of the female small & medium business(SMB) owners with those of the male SMB owners in Korea by analyzing the data of Korea Technology Credit Guarantee Fund(KIBO). The total number of the data used in this study is 68,091: 63,940(93.3%) male business owners and 4,151(6.1%) female business owners, respectively. To achieve the research objectives, we performed contingency table test and t-test. The findings from the tests are: i) the possibility of bankruptcy is higher with male business owners when gender of owner and lengths of previous paid-employment experiences are factored in; ii) the financial performances of female business owners are better than those of male owners. These results coincided in part with past studies.

서민금융 문제점과 정책 대안

임순애(Yim Soonae),김태훈(Kim Taehun),최진배(Choi Jinbae) 한국지역사회학회 2011 지역사회연구 Vol.19 No.4

The purpose of this paper is to propose policy measures for the People’s financial institutions to activate small loans to the self-employed in Busan region. People’s financial institutions are mainly composed of Mutual Savings Banks, Credit Unions, Mutual Credits and supply credits to borrowers whose credit scores are not high enough to access to bank credits. But nowadays it is said that the self-employed are financially constrained and the government has proposed policy proposals to ease their financial constraints such as ’hatsal-loan’. These phenomena mean that People’s financial institutions don’t do as they are expected to do. To ease financial constraints of the low income class and to strengthen their operational grounds People’s financial institutions should adopt relationship bankings.