패널자료를 이용한 보증기업경기실사지수(GBSI)가 보증수혜업체의 경제심리 관계성에 미치는 영향

This research verifies a relationship between survey items of the GBSI (Guaranteed Business Survey Index) data regarding 2,856 guaranteed beneficiaries of local credit guarantee foundations that are under research by the Korean Federation of Credit Guarantee Foundation(KFCGF). A part of the research focuses on whether the time difference among research data collected affects the same relationship between survey items. Another part of the research verifies whether economy, sales, business profits and capital conditions would yield the same effects in the next quarter. As a result of the verification, it is proven that Hypotheses 1-6 are meaningful regarding the economy, sales, business profits and capital models (survey conducted in the 1st quarter of 2016). Hypotheses 7-12 (survey conducted in the 1st quarter of 2016) were set to precisely find out the survey details by quarter, and those hypotheses were all selected and it was confirmed that all impact survey processes of BSI, established with quarterly economy, sales business profits and capital conditions, coincide. Among Hypotheses 13-16, to verify relationship between different times by quarter, only the number 16, regarding capital conditions, was adopted. Hypotheses 13-15 were refused, which suggests that there is no temporal relationship for economy, sales and business profits. This research is designed to: establish the relationship between survey items of GBSI conducted by KFCGF; establish guarantee support policies for small & medium sized businesses and their owners; and provide necessary basic data that credit quarantee foundations need.