신용보증의 성과분석에 대한 메타분석과 시사점

Nowadays, financial policy making is experiencing confusion that caused by the performance of credit guarantee system has not been properly evaluated. This study analyzed research methodology and research results of the precedent studies which dealt with the performance of credit guarantee. Credit guarantee system has been initiating recovery of economy by minimizing the fluctuation of economy under recession in Korea. Outstanding amount and market share of Korea Credit Guarantee Fund(KCGF) in public credit guarantee sector is showing a leading position with a decreasing trend. The methodology analysis of credit guarantee performance has been developed in sophisticated process from the macro performance analysis in early stage to micro analysis in recent. Some of the precedent studies could lead policy decision makers ineffective ways by misuse of adapting analysis samples, methodology, and time frame of the analysis. This study shows the key indicators to the financial policy makers by supplementing the precedent studies as follows ; (1) Obtaining highly reliable results based on the analysis from homogeneous data and periodical analysis. (2) A careful approach is needed for the adoption of the study results of which could be inevitability of data analysis process. (3) An endowment of meaningful message is needed on the results of the research and service proposals which originated from credit guarantee corporation. (4) Precise performance measurement is needed by applying most advanced research methodology. (5) Insightful analysis is needed by reflecting internal and external environment change of credit guarantee institutions rather than mechanical analysis.