저축은행 재무구조가 경매매각가율에 미치는 영향에 관한 연구

• 영문명: A Study on the Effect of Savings Bank Financial Structure on Auction Price Ratio - Focus on the Residential Real Estate Self-Winning Bid of the Business Suspension Savings Bank -
• 발행기관: 한국주거환경학회
• 저자명: 김경태(Kim, Kyung Tae) 조원진(Cho, Won Jin) 노승한(Ro, Seung Han)
• 간행물 정보: 『주거환경(한국주거환경학회논문집)』住居環境 제17권 제1호 (통권 제43호), 45~59쪽, 전체 15쪽
• 주제분류: 사회과학 > 지역개발
• 파일형태: PDF
• 발행일자: 2019.03.30

영문 초록

As the domestic real estate market began to stagnate in 2008, the savings bank industry faced serious insolvency as the soundness of PF loans such as real estate deteriorated. The purpose of this study is to examine the possibility of savings accounting for savings banks with low financial ratios according to successful bid auction. For this purpose, we selected the asset size, debt growth rate, and other variables as the independent variable, with the BIS capital ratio representing the financial ratios as the center. The hypothesis that the auction bidding rate is higher for savings banks with poor financial indicators is analyzed to linear regression.. As a result, the BIS capital adequacy ratio was negatively related to the winning bid rate. Savings banks, which have relatively low BIS ratio, are found to have higher bid rates. In addition, the total assets, the proportion of loans in the real estate sector, and the return on loans are significant. Unlike previous studies, only the auction characteristics, physical characteristics, location characteristics, and macroeconomic variables were significantly influenced by appraisal, total floor number, and house price increase rate.

목차

Ⅰ. 서 론

Ⅱ. 이론적 논의

Ⅲ. 분석의 틀

Ⅳ. 실증 분석

Ⅴ. 결 론

키워드

상호저축은행 비업무용부동산 매각가율 예금보험공사 영업정지 savings bank non-business real estate auction price ratio Korea Deposit Insurance Corporation suspension of business