건설회사의 부동산 PF 신용공여 특성24

The purpose of this study is to categorize the credit granting on real estate project financing by construction companies and define the characteristics. The credit granting of construction companies are categorized by restricted sense, broad sense, supra-broad sense. Based on the categorization the characteristics of credit granting on 73 project financing business are analyzed. The results of this research are as follows: First, the construction companies with low credits are participating in real estate project financing enduring the risk of credit granting frequency. Second, the most common credit granting method of construction companies are joint liability on guarantee. This reflects the convenience of collecting PF debenture of financial companies. Third, the companies with high credit rate have more credit granting on banking sector and the apartment projects. This shows that the companies with higher credit ratings have competitiveness on financing cost and also the social phenomenon of apartment branding. Forth, there was difference in project risk management depending on the credit rate of the construction companies. The companies with low credit rate are participating in retail projects with savings bank project financing which have more risk of project due to the project delays. This study can be applied as a basic data and also suggest a way out for the real estate project financing sector which has come to a standstill by global economic crisis and the suspension of business of savings bank.