유해산출물을 고려한 국내 저축은행의 생산성 비교 -Malmquist-Luenberger 생산성지수 분석-

The collapse of the savings bank in 2011 broke the credibility and credibility of the savings bank, which became a big social problem. The government implemented a high-intensity restructuring of savings banks. In this study, we examine the management efficiency and productivity analysis of savings banks in order to examine how savings banks are improving after restructuring of savings banks has been under way for over five years. For this purpose, we analyzed Malmquist-Luenberger Productivity Index and analyzed the normal output and the undesirable output at the same time considering the bad loan problem among the causes of insolvency of the savings bank. As a result of the empirical analysis, it was clear that there were regional differences in the inefficiency and productivity changes of savings banks. Such a phenomenon is the result of the completion of the restructuring of savings banks at the end of 2013 and the improvement of the management index of all savings banks, it is different from local savings banks and small savings banks. Therefore, there is a polarization of savings banks and regional differences, so a savings bank policy that takes this into account is needed. In particular, efforts to improve the efficiency and productivity of local savings banks should be continued.