한국건설관리학회논문집 (Korean Journal of Construction Engineering and Management)

  • 제23권4호
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  • Pages.36-46
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  • 2022
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  • 2005-6095(pISSN)
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  • 2465-9703(eISSN)
한국건설관리학회 (Korea Institute of Construction Engineering and Management)
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중소건설기업의 자금조달 지원을 위한 금융상품 분석

Analysis of the financial products for supporting financing of small and medium-sized construction companies

  • 이치주 (국토연구원 건설경제산업연구본부)
  • Lee, Chijoo (Construction Economy & Industry Research Division, Korea Research Institute for Human Settlements)
  • 투고 : 2022.03.06
  • 심사 : 2022.06.03
  • 발행 : 2022.07.31
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초록

자금조달력이 부족한 건설기업은 수립된 건설정책에 적응하는데 상대적으로 많은 시간이 소요된다. 하지만, 금융기관이 담보력과 신용도가 낮은 건설기업에 금융상품을 제공하는 비율은 낮으며, 특히 중소건설기업이 금융상품을 제공받는 비율은 크게 낮다. 이 연구에서는 건설기업이 수립된 정부의 정책에 적응하는데 필요한 금융상품을 조사하고, 전문가 자문과 설문조사를 통해서 그 금융상품들에 대한 건설산업의 수요를 분석하였다. 또한, 조사된 금융상품들을 건설산업에 도입하기 위해서 개정이 필요한 법·제도를 조사하였다. 분석된 수요도와 개정이 필요한 법·제도 수를 기반으로, 건설산업에 금융상품을 도입할 경우의 우선순위를 분석하였으며, '회계사, 세무사, 변호사 등 전문가 컨설팅'의 우선순위가 가장 높은 것으로 나타났다. 향후 연구에서는 우선순위가 높은 금융상품을 건설산업에 도입하기 위한 금융상품의 개발기준과 개발방법에 대한 연구를 수행하고자 한다.

It takes a relatively long time for construction companies that lack the ability to finance to adapt to construction policy in the construction industry. However, financial institutions rarely provide financial products to construction companies, particularly small and medium-sized construction companies, because their security capacity and credit rating are low. This study investigates the financial products needed for small and medium construction companies to adapt to policy changes. The demand of small and medium construction companies for financial products is analyzed by experts' advise and survey. And, when the investigated financial products for the construction industry are introduced, the legal systems in need of revision are analyzed. Based on the analyzed demand and the number of legal systems needing revision, the priority for the introduction of financial products to the construction industry is analyzed. Among the financial products investigated, the priority of "Expert consultation, such as accountant, tax accountant, lawyer, etc." is the highest. In future studies, the criteria and method of financial product development for high-priority financial products could be researched.

키워드

과제정보

이 연구는 주저자(교신저자)가 수행한 '종합금융기관으로서의 건설금융 선진화 방안 연구'의 내용을 수정 및 보완한 것입니다.

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