지역신용보증재단의 금융서비스 프로세스 연구: 소기업·소상공인 보증수혜업체를 중심으로

The economy of South Korea has been continuously developed over the past decades under the government-led strategy and it opened the era of $1 trillion as the ninth nation in 2011. Such a dramatic growth of economy is not easy to be found in the world history. However, a combination of factors such as financial difficulties and stagnation in sales of SMEs interrupts further growth of Korean economy. Therefore, this study has been implemented by targeting Guarantee beneficiaries to examine how the quality of financial service of the Regional Credit Guarantee Foundation which has not ever been studied in the previous credit guarantee supporting analyses—that is, the quality of financial transaction support and management improvement support—impacts corporate performance and the satisfaction that the Guarantee beneficiaries recognize, and to be utilized as basic material to make policies of guarantee support for small companies and small business. The Regional Credit Guarantee Foundation has been established in each metropolitan city and province since 1996 in accordance with the provision of Article 32 of the Civil Law, and it has provided financial service through credit guarantee for small and micro businesses lacking collateral capacity. This study proves that financial service contributes to the corporate performance of guarantee beneficiaries, by intending for 1,873 guarantee beneficiaries of the Regional Credit Guarantee Foundation. This study testifies that the quality of management improvement service has a positive relationship with corporate performance and satisfaction. If fact, it was shown that the quality of financial transaction service brings a direct impact on satisfaction and it bring an indirect impacts on corporate performance through satisfaction towards guarantee support system. From this perspective, and in-depth discussion on the application of this study and upcoming researches in the future would be necessary.