한국형 중소기업 관계금융 모델수립을 위한 해외 관계금융 사례연구

Financing problems of SMEs are constantly appearing because of the behavior of financial institutions and financial transactions. It is these things that concentrated collateral loans, short-term funds under management, financing supply disruptions when the economic cycle is down. Recently, The government is considering the introduction of a relationship banking for initial start-up SMEs and micro SMEs to smooth supply of funds. In this study analyzed the relationship banking case into the United States, Japan, Germany. As a result, the following implications derived. First, We should be focused on initial start-up SMEs and micro SMEs as a relationship banking's target layer and government policy must be linked. Second, We should be actively used local-based financial institutions. Third, At the same time we will need to be enlarged in the role of large commercial banks. Fourth, We should be cultured bank's non-financial services in various business consulting skills. Fifth, We should expand on audit ability and discretion to the bank branches. Sixth, we need to take advantage of a variety of soft information when credit rating and a review at the time of loan. Finally, settlement of the Korean SME relationship banking requires a lot of effort and time. It may be possible when SMEs and financial institutions need to grow together as partners.