금융지주회사 체제하의 은행 경쟁력 분석

Domestic banks have introduced a financial holding company to changes in the financial environment. There is a need to verify the performance of the synergies generated in accordance with the terms of enlargement, diversification of banks. In this paper we examine whether or not the commercial banks which are subordinate to financial holding company are superior to other commercial banks in financial profitability and in stability. As a result of the empirical analysis, the Profit which is measured ROA and structured income ratio, Banks from the financial holding company is higher than general bank as significantly of Z－score value and default rate. In a stability, The banks from financial holding company are not superior to general bank as significantly. but Depending on the situation, changes in the financial environment, showed a difference in the safety management of the bank. Improving the safety of domestic banks after the financial crisis The results of this study showed that competitiveness of the banks will have to increase the sustainable profitability through differentiation and diversification of revenue sources in accordance with the conditions of a financial holding company. Bank subordinating Financial Holding Company, it is necessary optimal maintenance of integrated risk management system in accordance with the financial situation through Business diversification and risk diversification effect is required.