신탁공매시 우선수익자의 채권회수 특징에 관한 연구

Abstract

This study conducted an empirical study through practical cases of real estate trust companies in order to find out what characteristics the trust auction had for the preferred beneficiary, who is the creditor, when collecting the debt of the preferred beneficiary. The relationship between the recovery rate and other trust auction variables was identified.
 As a result, it was confirmed that the form of preferred beneficiaries was changing over time. Looking at the time when the preferred beneficiary, which is a financial company, exercised the right to dispose of through a trust auction and utilized the advantages of the trust to the fullest, from 2010 onwards, savings banks, credit unions, and Saemaul Credit Co. was found to be doing
 Next, as a result of comparing and analyzing the characteristics related to the public sale by preferred beneficiary, no statistically significant results were found except for principal and interest, appraisal amount, execution round, and successful bid round. This means that there are no characteristics of preferred beneficiaries in the method of collecting receivables using trust auction. As mentioned earlier, the preferred beneficiary can set the amount to be recovered through trust auction, and can also set the sale method and execution period. Other variables are determined according to the regulations within the trust company, and the regulations do not differ for each preferred beneficiary. Therefore, it suggests that there is no difference in the variables of each preferred beneficiary in the trust auction. In this study, data and variables were set with information collected in practice, and an empirical analysis was conducted to identify the characteristics of actual preferred beneficiaries when collecting receivables through trust auction. Trust auction is legally close to private sale, but since it is a procedure that requires public trust and fairness, we believe that it can be an important method for collecting the debts of preferred beneficiaries. I hope you can.