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A Study on the Problems in Managing Asset-Based Lending and Improvement Plan for the System Revitalization

  • Korea Real Estate Review
  • 2014, 24(3), pp.103-118
  • Publisher : korea real estate research institute
  • Research Area : Social Science > Law > Law of Special Parts > Law of Real Estate

Taehoon Kim 1 정주희 2

1(재)한국부동산연구원
2한국부동산연구원

Accredited

ABSTRACT

The purpose of this study is to provide an improvement plan for the system revitalization through examination of the management status of the asset-based lending and related problems. A summary of the major results is as follows. First, policy support is necessary to build the internal enforcement system of financial institutions for the smooth process in dealing with asset-based lending, and review extending the types of subjects to collateral acquisition. Second, it is necessary to improve the movable property security registration system, such as authorizing the inspection right to the certificates of all registered information, relieving the burden of financial institutions on the title deeds inspection, and improving the movable property security registration system and building a speedy movable property auction system by improving the execution procedure. Third, enhance the reliability and professionalism of the movable property appraisal through: 1) providing the specialized training and fostering specialists on the movable property appraisal, 2) establishing the appraisal approaches and process by the types of objects, 3) building the DB of movable property appraisal, and 4) inspecting the eligibility of the collateral. Fourth, it is necessary to prepare the efficient and systematic collateral management system shared among financial institutions, enhance internal risk management system and build a systematic evaluation system, build the DB of movable property collateral registration and evaluation information, and establish various markets for distribution and disposal.

Citation status

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