금융지주회사와 은행 대출 행태

The purpose of this paper is to analyze the effects of financial holding company on bank loan behavior by using 2013〜2017 Korean bank data. We found that the banks governed by financial holding company preferred the larger-sized firms rather than small and medium firms in corporate bank loans. In housing loans, we found that the banks governed by financial holding company preferred the house mortgage loans. In Addition, this paper showed the change of bank loan behaviors governed under financial holding company after the 2008 global financial crisis. We hope that the results of this paper will give the additional contributions in the related research areas such as financial holding company, bank corporate governance, bank loan behavior. The results of this paper provide new evidences on the bank loan behavior from the perspectives of bank corporate governance. The insights of this paper will be helpful to the policy makers of banking supervision or financial departments.