특례보증을 통한 소상공인 신용보증지원제도의 개선방안에 대한 연구: 광주광역시 골목상권특례보증 제도를 중심으로

Most small businesses are small with a vulnerable financial base. They are also not able to easily make use of funds from the banking sector because of the weakness of individual credit rating and the lack of ability to provide collateral. Government and Local authorities have implemented a guarantee system in order to make up for the lack of security solvency and to support them with public funds. To support small business owners, there are variety of guarantee schemes, including KIBO(Korea Technology Finance Corporation) and KOREG(Korea Federation of Credit Guarantee Foundations) made by government, and regional credit guarantee funds made by regional authorities. The ultimate purpose of funding for small business owners is to secure competitiveness of local small business owners and to activate the regional economy in the face of difficulties in the establishment of large distribution businesses and changes of consumer purchasing patterns. Therefore, the purpose of this study is to present the improvement for credit guarantee system to support micro-enterprises through the analysis of special guarantee of local business conducted by Gwangju Metropolitan City. Credit funds and the scale of guarantee fund, the status of users by type of business, interest rate and amount of payment between principle and interest, payment by subrogation, and loan status were analyzed. Six major results of this research were presented as an improvement for the credit guarantee system for small business owners. Firstly, the improvement of warranty support system secondly, expansion of users through building the amount of investment thirdly, enlargement of user options for repayment period and interest rate fourthly, decrease in the rate of special guarantee and reduced guarantee fee fifthly, the scale of guarantee and adjusting the amount of payment between principle and interest. Lastly, the need for mitigation of bias loan phenomenon by banking institutions was suggested. Accordingly, this research was to emphasize that the direction of user-oriented rather than supply-oriented as a system to assist small business owners in the region must be improved.