인구고령화가 저축은행 수익성에 미치는 영향

The purpose of this study is to positively analyse the effect of the population aging on the profitability stability of saving banks. In addition, Depending on the economic situation was analyzed to separate into two groups and verified the impact of discrimination on population aging. In this study, the annual financial statements for the period 2005－2015 were used on the basis of a sample of 67 saving banks. The structural profit ratio, net interest margin and ROA were used as indicators of financial profitability, and the as an explanatory variable population aging of saving banks. The results of this study were obtained by panel data analysis. It was shown that the progress in the population aging has an negative effect on the profitability. The reason is expected to be the weakening of the financial intermediation function of savings banks and credit risk management. However, it is noteworthy that the effects of aging variables vary according to economic fluctuations. It is believed that it would be of academic significance to verify that the effects of aging variables on profitability are differentiated by economic fluctuations. The results of this study suggest that savings banks, which are sensitive to economic fluctuations. Difference with previous studies and is subject to a mutual saving bank rather than commercial banks. The difference is that the aging population is likely to have a different effect on profitability due to economic fluctuations. Saving Bank is sensitive to economic fluctuations can be even greater if the bad debt worsened ability to repay. Savings banks are required to suggest a counter－cyclical asset management and profitability management strategies.