국내은행의 유가증권 자산운용이 경영안정성에 미치는 영향

The purpose of this study is to analyze the impact of the increase in the share of investment in securities by domestic banks on management stability. In addition, the effects of commercial and regional banks' investment in securities on business stability were compared and analyzed. The analysis period is from 2010 to 2020. The analysis method was analyzed with the random effect GLS model using panel data. The analysis results are as follows: First, it was estimated that as the ratio of investment in securities of domestic banks increased, it had a positive effect on management stability. The increase in non-interest income from investment in securities is expected to have a positive effect on the financial stability of banks. Second, it was divided into commercial banks and local banks to analyze the impact of the share of investment in securities on management stability. As a result, there was no significant difference in the management stability of commercial and local banks, but there was a difference in the proportion of securities investment and the interaction effect. In the future, banks will need to eliminate the phenomenon of borrowing assets and increase the proportion of investment in securities to an appropriate level to enhance management stability. It also suggests that commercial banks should manage their returns and risks with asset management strategies that take into account the risks of securities investment management.