콜금리 및 RP금리가 신용협동조합의 여․수신금리에 미치는 영향에 관한 비교분석

Recently, in the Credit Union, members and close management with local society are regarded as important one. Also, to resolve asymmetric information problem, secured loan became a critical lending method. These changes mean that the original character of the Credit Union which emphasizes self-help, self-reliance and cooperation has changed. Small-sized banks, local financial institutions and financial institutions for ordinary people represent these trends. Also, loan and interest rates have been mostly decided by high interest rate, which is different from general banks. However, this thesis considered the Central Bank's benchmark rate which can influence the decision process of interest rate in the Credit Union. Also, as the Central Bank switched its benchmark rate from the existing Call interest rate to new RP interest rate, I analyzed which rate between Call rate and RP interest rate has more impact on loan and interest rates of the Credit Union. According to the result, Call interest rate and RP interest rate were showing meaningful positive correlation in Pearson Correlation Coefficient. However, they did not show such relation in DB and LB. After I did regression analysis, rate became astringent, affecting each other. The impact which Call rate and RP interest rate affect loan and interest rates of the Credit Union was very meaningful in p<.05 and p<.01. Therefore, call affect loan and RP interest rate, the benchmark rate were very useful means to control interest rate. However, it was not that meaningful in the loan balance. This means the market cannot be controlled by the self-control measure of the Credit Union which decides its interest rate based upon the loan balance.