공적자본 지배 은행의 대출 행태

The purpose of the study is to empirically investigate variations in the lending behavior of public-capital-owned banks. We classified bank loans into corporate loans and household loans. In addition, the corporate loans were classified into large-sized corporate loans and small and medium-sized corporate loans and household loans were classified into non-collateral loans and housing mortgage loans. We also analyzed the changes in lending behavior between public-capital-owned banks and non-public-capital-owned banks after the 2008 global financial crisis. The public-capital-owned banks showed a higher corporate loan ratio with a lower small and medium-sized corporate loan ratio. They thus showed a lower household loan ratio and housing mortgage loan ratio. After the 2008 global financial crisis, however, the lending of public-capital-owned banks showed an increase in the small and medium-sized corporate loan ratio and the housing mortgage loan ratio. This paper contributes to the research areas of banking business and governance. This paper also gives some important insights into the public-capital-owned banks to the banking supervision authorities and policymakers.