지역내총생산(GRDP)과 대구 및 경북지역 소재 신용협동조합의 재무비율과의 관련성

In this study, we analyzed the effect of GRDP (Gross Regional Domestic Product) on the financial ratios of Credit Union measured by soundness, risk and profitability through three hypotheses. As a result of the hypothesis 1, which verified the relationship between the change of the national GDP and the financial ratios of Credit Union, the soundness and profitability of Credit Union increased and the risk decreased as the national GDP increased. This implies that the productivity improvement of the local companies leads to the increase of the gross income in the region, which positively affects the financial performance of the Credit Union. Hypothesis 2 seeks to determine which GRDP directly affects the performance of the Credit Union. As a result, the change in the regional GRDP showed a significant relationship with the financial ratio rather than the change of the national GDP. This means that the Credit Union should pay more attention to the changes in the regional GRDP variables than the national GDP. Finally, Hypothesis 3 seeks to determine whether regional GRDP changes are differentiated according to the characteristics of joint bonds of Credit Union. The analysis showed that characteristics of joint bond were significantly related to the regional GRDP changes. This implies that if the joint bond characteristic of Credit Union is local, we should pay attention to the change of regional variables. This study suggests that financial firms in Daegu and Gyeongbuk provinces have some implications by examining the macroeconomic variables and the financial ratios of Credit Union that represent the region. It is necessary to anticipate the changes from the macro perspective and respond to them in advance. In addition, for financial companies located in Daegu and Gyeongbuk provinces, economic changes in Daegu and Gyeongbuk provinces should be predicted and responded appropriately rather than changes in national economies.