A Study on the Effect of Savings Bank Financial Structure on Auction Price Ratio - Focus on the Residential Real Estate Self-Winning Bid of the Business Suspension Savings Bank -

Abstract

As the domestic real estate market began to stagnate in 2008, the savings bank industry faced serious insolvency as the soundness of PF loans such as real estate deteriorated. The purpose of this study is to examine the possibility of savings accounting for savings banks with low financial ratios according to successful bid auction. For this purpose, we selected the asset size, debt growth rate, and other variables as the independent variable, with the BIS capital ratio representing the financial ratios as the center. The hypothesis that the auction bidding rate is higher for savings banks with poor financial indicators is analyzed to linear regression.. As a result, the BIS capital adequacy ratio was negatively related to the winning bid rate. Savings banks, which have relatively low BIS ratio, are found to have higher bid rates. In addition, the total assets, the proportion of loans in the real estate sector, and the return on loans are significant. Unlike previous studies, only the auction characteristics, physical characteristics, location characteristics, and macroeconomic variables were significantly influenced by appraisal, total floor number, and house price increase rate.