제1장 연구 개요 ········································································ 1 1. 연구 배경 ················································································ 1 2. 연구 목적 ················································································ 2 3. 연구 범위 ················································································ 3 4. 연구 방법 ················································································ 3 제2장 사회적경제와 금융지원체계 ······································· 5 1. 개념 고찰 ················································································ 5 1) 사회적경제의 개념 ··························································· 5 2) 사회적경제와 일자리 ························································ 7 3) 사회적경제 금융지원을 위한 사회적금융 ··················· 11 2. 국내외 사회적경제 금융지원기관 ······································· 14 1) 국외 사례 ········································································ 14 2) 국내 사례 ········································································ 27 제3장 부산 사회적경제조직의 경영·금융실태 ················ 35 1. 사회적기업의 경영현황 ······················································· 36 2. 사회적경제조직의 금융실태조사 결과 ······························· 38 1) 경영현황 ·········································································· 38 2) 사회적성과 관리 ····························································· 39 3) 기업성장 단계 ································································· 40 4) 자금조달과 부채 ····························································· 42 5) 사회적금융 인지도와 경험 ············································ 44 6) 사회적금융 수요과 대출조건 ········································ 47 7) 사회적금융 방법 ····························································· 49 8) 사회적금융의 핵심 속성 ················································ 52 9) 사회적금융 창업 동향 ···················································· 53 3. 시사점 ···················································································· 54 제4장 사회적경제 금융지원체계 구축과 일자리 ·············· 55 1. 사회적금융을 통한 지원체계의 일자리 효과 ···················· 55 1) 사회적금융 신규 일자리 창출 ······································ 56 2) 사회적경제 일자리 확대 ················································ 56 3) 공공사회투자기금 준칙을 통한 고용확대 ··················· 58 2. 사회적경제 금융지원체계 구축 ·········································· 59 1) 추진 방향 ········································································ 59 2) 민간 역량 지원 ······························································· 64 3) 공공지원체계 구축 ························································· 70 4) 장단기 로드맵 ································································· 76 Abstract ···················································································· 78 참고문헌 ·················································································· 79 부록 ·························································································· 83 부록 A. 설문지 ·········································································· 83 부록 B. 사회적경제조직 자금 애로사항 ································· 92 부록 C. 사회적금융 생태계를 위한 노력 ······························ 94

<표 Ⅱ-1> 사회적경제 고용인구 비중(2009/2010) ··················· 8 <표 Ⅱ-2> 유럽의 사회적경제 고용규모 변화 ···························· 9 <표 Ⅱ-3> 사회적경제의 유급근로자수 ··································· 10 <표 Ⅱ-4> 자본의 성격에 따른 사회적금융 ····························· 12 <표 Ⅱ-5> 국내문헌의 사회적금융 정의 ································· 13 <표 Ⅱ-6> 미국 CDFI 기관 통계 ··············································· 17 <표 Ⅲ-1> 사회적기업 성과분석 ················································ 36 <표 Ⅲ-2> 부산지역 사회적기업 주요 통계 ··························· 39 <표 Ⅲ-3> 사회적성과 관리 비율 ·············································· 40 <표 Ⅲ-4> 사용중인 사회적성과 지표 ······································· 40 <표 Ⅲ-5> 기업의 성장 단계 ···················································· 42 <표 Ⅲ-6> 2015년도 연간 자금조달 현황 ································ 43 <표 Ⅲ-7> 2016년 현재 부채 잔액 ··········································· 44 <표 Ⅲ-8> 사회적금융 상품/기관 인지도 ································· 45 <표 Ⅲ-9> 사회적금융 활용/상담 경험 유무 ··························· 46 <표 Ⅲ-10> (사회적금융 중개기관 경험 안한 경우) 이유 ······ 46 <표 Ⅲ-11> 현 사회적금융의 문제점 인식 ······························· 47 <표 Ⅲ-12> 1년 내 신규대출 니즈 ············································ 47 <표 Ⅲ-13> 대출 조건 ······························································· 48 <표 Ⅲ-14> 융자 추진시 어려움 (다중응답) ···························· 49 <표 Ⅲ-15> 사회적금융방식 선호도 – 기업체 관점 - ··········· 51 <표 Ⅲ-16> 사회적금융방식 선호도 – 산업생태계 관점 - ···· 51 <표 Ⅲ-17> 사회적금융의 속성 선호도 ····································· 52 <표 Ⅲ-18> 부산지역 사회적금융 창업 동향 ··························· 53 <표 Ⅳ-1> 국제 사회적금융시스템의 비교 ····························· 61 <표 Ⅳ-2> 부산 사회적경제 금융지원체계 장단기 로드맵 ····· 77

<그림 Ⅱ-1> 제3섹터와 사회적경제 ············································ 6 <그림 Ⅱ-2> 기업성숙단계와 사회적금융 ································· 14 <그림 Ⅱ-3> RF의 금융시장 포지션 ········································· 22 <그림 Ⅲ-1> 부산지역 사회적기업의 경영실태 ······················ 37 <그림 Ⅲ-2> 사회적기업의 성장단계 모델 ····························· 41 <그림 Ⅳ-1> 사회적금융의 직간접 일자리효과 ························ 55 <그림 Ⅳ-2> 사회적금융을 통한 일자리 확대 ······················· 58 <그림 Ⅳ-3> 사회적금융체계구축 추진방안 ····························· 63 <그림 Ⅳ-4> 사회적경제지원기금의 이원화 ····························· 72