1) 국내 영업환경 및 경제상황가) 2015년 국내경제성장률은

1) 국내 영업환경 및 경제상황
가) 2015년 국내경제성장률은 3.4~3.7%로 전년 대비 소폭 증가할 것으로 전망되며,
국내 건설투자 또한 주거용 건물 및 토목을 중심으로 3% 이상의 성장률을 기록할
것으로 전망됨.
나) 전문건설공제조합의 시장점유율은 70% 정도를 꾸준히 유지하고 있고 앞으로도
이러한 점유율이 유지될 것으로 전망되므로, 전문건설업에 대한 보증이라는
틈새시장 내에서 경쟁력 또한 지속될 것으로 예상됨.
다) 정부의 부동산 경기 활성화 정책, 각종 규제완화 등으로 인해 건설경기가 회복되는
추세에 있으므로 그에 따른 우리 조합의 영업환경도 전년 대비 나아질 것으로
전망됨.
- 보증잔액은 감소추세이나 건설기계대여대금 지급보증의 활성화에 따라 보증규모의
증가가 예상되며, 보증금 청구 및 지급이 지속적으로 하락하는 추세를 보임에
따라 조합의 수익 또한 향후 증가할 것으로 예상됨.
라) 다만 우리나라 경제가 발전함에 따라 전체 산업에서 건설업이 차지하는 비중은
조금씩 줄어드는 추세를 보이고 있다는 점은 향후 부정적 요인이 될 수 있으며,
최근 몇 년간의 건설경기 악화로 조합원의 수익성 저하됨에 따라 조합원들의
보증수수료 요율 인하 요구가 지속되고 있다는 점 또한 조합에 부정적 영향을
끼칠 수 있을 것임.

2) 전문건설공제조합의 사업성장성ㆍ재무상황의 잠재적 영향력에 대한 평가
가) 전문건설공제조합은 전문건설업을 영위하는 조합원들에 대한 보증과 자금의 융자
등 공익적 측면의 역할이 중시되기 때문에, 조합의 수익 증대만을 위한
보증수수료 요율 인상ㆍ융자이자율 인상 등이 반드시 바람직하다고 할 수는 없음.
따라서 우리 조합은 사업성장성에만 초점을 맞추기 보다는 사업의
안정성ㆍ지속성을 보다 중시하고 있으며, 건설경기와 건설업의 발전 정도에 따라
수익성 강화나 재무 건전성 강화를 조절하고 있음.
나) 조합의 재무상황은 최근 몇 년간의 건설경기 악화에도 불구하고 부채비율 0 유지,
여유자금의 안정적 운용 등을 통해 안정적인 재무상황을 유지하고 있음.
다) 최근 몇 년간의 건설경기 악화의 후속적 영향으로 조합원들의 사업성이 저하됨에
따라 조합은 조합원들을 위해 보증수수료 요율 인하 등을 실시한 바 있으며,
(조합의 수익성을 저해하는) 이러한 정책에도 불구하고 향후 건설경기 회복이
예상됨에 따라 조합의 수익성 및 재무상황은 현재보다 우량해질 것으로 전망하고
있음.

결과 (영어) 1:

1) domestic sales environment and economic situationDomestic economic growth by 2015) is a 3.4-3.7% year-on-year is expected to increase marginally, Investing in the construction of residential buildings, and domestic-centered civil engineers also 3% CAGR over Expected.I am a combination of specialty construction credit market share) is 70 percent look forward to maintain and steadily and These are expected to be maintained its share, called the guarantee for professional construction business Competitive within the niche markets are also expected to continue.C) deregulation of the real estate game activation policy of the Government, various construction due to recover The trend, so that we better over the previous year, as sales of the environment View. -Guarantee the balance is declining or construction machinery rental payment guarantees, depending on the size of the activation of guarantees Increases are expected to continue to decline in deposit claims and payments, to shew that the trend In accordance with the Union's revenues are expected to increase in the future also.La) just in Japan as the economy evolves, the share occupied by construction in the entire industry Gradually decreasing trend has shown is that the future can be a negative factor, In recent years, the construction of the game depending on the profitability of the combined to exacerbate the decline in members of theAssurance that the rate cuts demand persists, the Commission also has a negative impact on the combination Will be able to exert.A combination of business growth and professional construction credits) 2 financial situation assessment of the potential impact of the A combination of specialty construction credit professional construction company) lead to Union members for assurance of funds financing Emphasis is placed on the role of public service, such as aspect, since it is a combination of revenue just for you The interest rate hikes and loan guarantee fee hikes, etc. is not necessarily the ideal. Therefore, we focus only on business growth rather than a combination of businessAttaches great importance to the stability and persistence than and, depending on the severity of the development of the construction industry and construction Enhance the profitability of enhancement or to adjust the financial strength.In recent years, the financial situation of the Union), the construction of the match despite the deterioration of debt ratios 0, Stable management of the funding afforded by in a stable financial situation and keep. The construction of the game in recent years), the successor to the ever worse affected by the combination of good temporary degradation in the According to Union members, as well as the rate cuts are warranted for fees conducted by the bar, and (Union undermines the profitability) for the purposes of this policy, despite the recovery in the coming construction game The profitability and financial situation of the Union, as expected, is currently expected to be superior to In each time period.

결과 (영어) 2:

1) domestic business environment and economic situation
a) domestic economic growth in 2015 is expected to increase slightly compared with the previous year from 3.4 to 3.7 percent,
the domestic construction investment also recorded a growth rate of around 3% or more of a residential building and civil
expected being.
b) specialized construction cooperative association maintains 70% market share steadily and continuously and
therefore expected to maintain this share, specializing in the construction industry of assurance for
competitive niche in the market is also expected to continue.
c) Government Due to the real estate market activation policies and various deregulations such that the construction sector is recovering
, because the trend of the previous year to improve business environment in combination accordingly we
forecast.
- activation of the guarantee balance is declining and construction machinery rental payment guarantee Depending on the size of the guarantee
increase is expected, deposit and bill payments continued to show a trend of falling
profits combination also expected to increase in the future to follow.
d) The construction industry occupies in our economy but the entire industry evolves, proportion
that shows a slightly declining trend in the future may be negative factors,
the construction sector deteriorated recently as a few years, depending on the profitability of members lowers their members
that the guarantee fee rate cuts also negatively affect the demand continues combination
there will be harmful. 2) specialized construction deductible business growth and assessment of the potential impact of the financial situation of the combination a) cooperative association specializing in the construction and financing of the guarantee fund for its members to engage in the professional construction industry and the role of public service aspects Because the focus, just for the revenue of the combined fees can not guarantee that the rate hikes and loans, including interest rate hikes this is necessarily desirable. Therefore, we are in the business combination rather than focusing only on business growth and the stability and continuity, and emphasis , the construction market and construction industry, depending on the degree of development that enhance and control the profitability and financial soundness strengthened. b) the financial situation of the Union, despite the construction market in recent years, debt ratios worsened zero maintenance, stable operation of surplus funds that by maintaining a stable financial situation. c) The recent impact on the subsequent feasibility of members of the construction market deteriorated deteriorated over the years , and bar combination is conducted in accordance with the guarantee fee rate cuts, including for members, (a combination of profitability Inhibition of) these policies despite the economic recovery is building the future profitability and financial situation of the union as expected, and expected to be superior to currently available.

결과 (영어) 3:

1) back to top
domestic outmoded economic situation and the domestic economic growth rate in 2015 was 3.4 - 3.7 percent compared to the previous year, is expected to grow moderately, and also back to top
domestic residential building construction and engineering works on the 3 percent growth rate is expected to top
identification. back to top
I) construction mutual aid agreement about 70 percent of the market share remained steady, and back to top
This share will continue will remain so, for the construction industry that guarantee within the niche market competitiveness back to top
also are expected to continue.Back to top
) the government's real estate policies, and various kinds of deregulation as a result of the construction industry is being restored back to top
because the trend of the outmoded our agreement last year to improve the identification. back to top
back to top
is expected to decrease the amount of-warranty or guarantee payment for construction equipment rental the activation of the size of the guarantee of the top
increase is expected to be deposit claims and payments to continue to resettle the falling trend of the profits according to the expected increase in the future. back to top
As our economy, but it is a development of the construction industry in the entire industry, the proportion of top
gradually decreasing tendency has negative factors that will be back to top
in the past couple of years, due to the Construction Industry Union decline in profitability as the union's demand for a lower rate guarantee fees back to top
continuing negative impact on the trade unions also will be able to back to top
functions forthwith. back to top
back to top
2 mutual aid agreement construction business growth and financial situation of potential influence on the assessment of top
A) cooperative construction professional to lead the construction industry, the union of the money for the loan guarantee and back to top
terms, including the role of the public good, because where the profits increase for the top
guarantee fees and loan interest rate increase rate increase is not necessarily desirable to none. Back to top
we see, therefore, a combination of high growth rate of the business, but rather than focus on the business of the top
stability and persistence, rather than focus on the development of the construction industry and the construction industry, depending on top
I strengthen profitability and strengthen the financial soundness. back to top
I) the financial situation of the construction industry in the past couple of years, despite deteriorating debt ratio 0 maintenance, and top
surplus through the stable management stable financial situation that would be maintained. Back to top
) in the past couple of years due to the construction of the follow-up worsening from members of the association as top
depending on the decline in business combination for the union guarantee fees, lower rates, and conducted back to top
(The agreement to disrupt profitability) despite these policies will boost the construction industry is expected to reach an agreement on the profitability and more than the current financial situation will be superior to top
. back to top