금융소외자의 서민금융 대출상품 이용에 따른 대출 이용특성에 관한 연구

• 영문명: A Study on the Debt Use Characteristics of Financially Excluded Person according to Use Microfinance Loan Product
• 발행기관: 충북대학교 생활과학연구소
• 저자명: 김은미(Kim Eun Mi) 김민정(Kim Min Jeung) 곽민주(Gwak Min Joo)
• 간행물 정보: 『생활과학연구논총』생활과학연구논총 제21권 제1호, 127~143쪽, 전체 17쪽
• 주제분류: 자연과학 > 생활/식품과학
• 파일형태: PDF
• 발행일자: 2017.06.30

영문 초록

The purpose of this study is to examine the current status of the use of microfinance loan product by financially excluded person and to find out the difference in characteristics of the debt use according to the use of microfinance loan product. To do this, we used data from the Seoul Welfare Foundation s Hope Plus bank account and 1,005 participants in the Dream Bank account, which were surveyed from August 1, 2014 to September 15. Among the respondents, 627(62.4%) were used for final analysis. Among them, 82(13.1%) of financially excluded person who have experienced using microfinance loan product and 545 (86.9%) of financially excluded person who have not used microfinance loan product Respectively. Based on the results of this study, it is suggested as follows. First, even though the microfinance loan product is a product that lends to economically difficult low-income and low-end lenders, the ratio of regular employees is higher than that of irregular workers. Therefore, periodic audits and institutional supplementation of financial supervisory institutions will be needed to ensure that low-income and low-income individuals who meet the conditions of support are able to use the microfinance loan product. Second, the proportion of financial outsiders who answered that they did not know their credit rating was higher than the majority (78.3%). Therefore, education on credit management should be carried out through government offices for financial underprivileged so that financial alienation can not use financial service due to low credit rating. Third, the lower interest rate and the higher loan amount limit were the highest in the general lending product users products. Therefore, it seems that support policy that applies low interest rate is needed for low income earners who use the commercial loans.

목차

Abstract

Ⅰ. 서론

Ⅱ. 이론적 배경

Ⅲ. 연구의 내용 및 방법

Ⅳ. 연구결과

Ⅴ. 결론 및 제언

참고문헌

키워드

Debt Use Characteristics Financially Excluded Person Microfinance Loan Product