국내 은행산업 수익구조의 문제점과 개선방안

Abstract

ABSTRACT A Study for Improving Profit Structure of The Banking Industry In Korea.

Jun-Young, Park Supervisor : Dr. Hyun-Chul Lee Division of Business Adminstration College of Business, Chosun University

There is a critical view by journalism, financial supervisor authorities and the public that profits of financial institutes in Korea have increased despite financial situation of household and firms worsen by the recent hugely increased household credit and economic recession. Specially an opinion of the necessity that Korean banks have to lower the interest rate and various fees is being significantly raised since they is making lots of profit from the simple and easy business such as lending and deposit rates and a bank remittance charge. In recent times, Korean banks are in face with not only an increased burden of large bad liabilities but also lack of a professional manpower resultant from an early retirement due to a declining competitiveness index. At the time of economic and real-estate market recession, the banks are more likely to have bigger burden to keep the high bad liability allowance because they are fragile in sourcing profits from lending and deposit rates and a bank remittance charge and because their most of their loans consist with residential mortgage loan and other property loans. So, it is the current situation of the domestic banks that is reducing work force to cope with narrow margin and high bad debt allowance. Accordingly, this study reviews the characteristics of domestics banks revenue structure and its problems blamed by public. Also this study seeks after a feasible solution of domestic banks' problems. To this end, this work bases on reviewing the literature of periodical publications and research papers from a variety of economic research institutes (e.g.., Korean Institute of Finance, the research centers of other financial institutes, Bank of Korea, and the Korea Financial Supervisory Service, and etc.). The domestic banks have to maintain continuous growth and development that are a foundation of driving economic growth through holding optimal ratio of various revenue portfolios including reasonable interest margin and banking fee and through supplying stable financial resource. Therefore, this study analyzes the profit structure of the domestic banking industry and then suggests ways to improve it. In addition, it suggests an efficient and effective management approach of banks in ways to diversify the profit structure of domestic banking industry and improve the financial supervision system.