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햇살론 등 정책서민금융 효과성 분석이용자 채무구조·신용도 영향 평가미이용자 비교군DB 만들어 미시 분석올해 하반기 DB 구축 완료 계획 지난 3월 서울 중구 프레스센터에 위치한 중앙 서민금융통합지원센터에 소액생계비대출 관련 홍보 안내문이 붙어 있다. 소액생계비대출은 서민금융진흥원이 지난 3월 출시한 정책 서민금융상품이다. /뉴스1 서민금융진흥원이 햇살론, 미소금융 등 정책 서민금융상품의 효과성 평가를 위한 데이터베이스(DB)를 구축한다. 정책 서민금융 이용자의 채무구조가 개선됐는지, 미이용자와 비교해 신용점수는 올랐는지 등 금융 지원 사업이 실제 어떤 성과를 냈는지 심층 분석하기 위해서다.22일 금융권에 따르면 서금원은 신용평가사와 정책 서민금융 평가를 위한 DB를 구축하기로 하고 세부 방안을 협의하고 있다. 서금원은 정책 서민금융 이용자와 미이용자를 구분해 DB를 구축하기로 했으며, 올해 하반기까지 작업을 완료한다는 계획이다.서금원 관계자는 “정책 서민금융 이용자의 연체 해소, 신용도 개선 등 1차원적인 자료로 절대 평가하는 것보다 미이용자와 상대적으로 비교해야 금융 지원 사업이 미친 영향에 대한 유의미한 미시 분석이 가능하다”고 설명했다. 예를 들면, 정책 서민금융 이용자들의 카드 현금서비스와 저축은행 신용대출 잔액이 감소했는지를 같은 기간 미이용자와 비교해 살펴보는 식이다.앞서 지난해 국감에서 오기형 더불어민주당 의원은 서금원에 정책 서민금융이 미친 효과를 분석할 수 있는 DB를 구축해야 한다고 지적했다. 오 의원은 한국은행의 가계부채 DB를 예로 들며 “서금원도 그런 미시 데이터를 축적하면서 가치평가를 해야 하지 않겠냐”고 했다.이재연 서금원장은 “서금원이 만들어진지 6년 됐기 때문에 상당한 데이터가 축적돼 있다”며 “성과를 비교하려면 비교 데이터가 있어야 하는데 아직 안 돼 있다. 비교 집단을 구성해 (DB를 만들려고) 노력하고 있다”고 말했다. 서금원은 DB 구축을 올해 사업 계획에 반영해 예산을 확보한 상태다.서금원이 2016년 출범한 이후 6년이 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href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">태백 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">속초 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">삼척 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">충남 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">부여 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">홍성 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">예산 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">아산 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">금산 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">서천 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">청양 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">태안 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">당진 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">공주 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">보령 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">서산 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">논산 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">계룡 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">충북 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">증평 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">괴산 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">음성 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">단양 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">충주 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">제천 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">보은 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">옥천 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">영동 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">진천 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">전남 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">담양 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">곡성 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">구례 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">고흥 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">장흥 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">강진 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">해남 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">영암 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">무안 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">함평 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">영광 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">장성 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">완도 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">진도 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">신안 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">여수 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">목포 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">보성 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">화순 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">나주 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">순천 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">광양 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">전북 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">진안 필름</a> <a href="https://dahaeyo.co.kr/film" target="_blank" rel="noreferrer noopener">장수 필름</a> <a 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