1 1 IMD WEF

1979 1975 1978 2-1 1948 12 1 1983 9 1995 3 18 1997 3 4 1998 2

13 2002 3 4 10 108 181 ( 202 )1049 51,000 1979 3

4 2-1 :

() (1993 11 ) 1994 3 1994 4 19 1994 4 26 () 5

1984 1 1 500 2000 1951 1979 2 23 1980 1912 12 500 " " " 1954 10 1 1994 2001 1000 29 () 6

() 1995 () 1950 50 2000 40,141 37,624 2,447 66 4 65 2001 9 16,542 12,160 11.89% 11.16% () 7

( 2-1) 239 1992 2000 71 1981 2000 13 1986 1 3 2001 6 31,960 18.3 5303 2130 1949 8

1980 2000 31 13 4 9 18 12 6 () 1979 1979 1988 1994 1 1 1996 1 1994 9

1995 25 373 1993 11 " "1996 12 ( ) 1986 1987 1989 1981 1984 1986 10

( ) 2-1 : ( ) 1999 995 944.33 2931.86 4015 5300.87 2000 1040 2103.03 4758.40 1657 4157.48 2001 1220 1251.89 3152.31 NA 4815.60 2002/7 2253 459.60 2215.75 NA 3897.01 ABH 1. 1981 1991 281 2000 1657 4157.48 1992 1995 1994 713 1996 4962 2001 2. 11

1984 1987 -- 1990 12 1991 4 1999 1 A 429 404 10520 8751 2889 2719 B B B 1991 11 B -- B 1996 85 B 201 H N 1993 1993 9 H HongKong H N S N S H 1993 6 1996 26 365 3 12

1984 1988 9 1998 6 2000 3 1995 1998 11 1998 11 12 2000 6 2000 5 10 11 16 12 29 2002 1 1 13

2002 WTO 1985 4 1993 82 208 2001 138 159 213 2002 53 30 13 5 4 2001 452 186 77 (IMF) (WORLD BANK) (ADB) (APEC) 14

1979 1979 1984 1984 2-2 2-2 ( ) 1999 2000 2001 1999 2000 2001 1999 2000 2001 1999 2000 2001 25.71 25.03 22.98 40.64 34.83 21.56 29.45 28.05 27.12 22.57 22.54 20.18 14.53 12.31 11.80-0.85 0.59 4.21 11.26 11.15 10.45 14.55 13.17 11.54 17.02 16.96 13.23 10.44 11.92 9.68 10.84 15.02 14.35 13.08 12.54 9.21 15.18 16.31 14.24 17.72 17.02 18.90 12.18 13.73 14.75 11.1 10.99 12.18 72.44 70.61 62.25 67.95 64.36 54.35 63.73 67.95 66.67 61.30 59.24 53.11 200020012002 10 15

( ) 2-3 1999 1997 2001 16.35% 16

1995 1996 1997 1998 1999 2000 2001 % % % % % % % (1) 33372.0 100 40210.0 100 55418.0 100 60613.2 100 63887.6 100 65748.1 100 67327.2 100 (2) (3)+(4)+(5) 25411.1 76.14 30519.7 75.9 36474.3 65.82 39202.6 64.68 39316.6 61.54 36504.9 55.5 39299.7 58.3 (3) 11774.7 35.28 14213.3 35.35 16526.6 29.82 17821.5 29.40 17948.9 28.09 17019.3 25.9 18636.7 27.6 (4) 12837.1 38.47 15332.6 38.13 18356.6 33.12 19752.4 32.59 19890.8 31.13 17868.5 27.2 18563.4 27.5 (5)799.3 2.4 973.8 2.42 1591.1 2.87 1628.7 2.69 1476.9 2.31 1617.1 2.5 2099.6 3.1 (6) 1544.8 4.63 1919.1 4.77 3314.6 5.98 4444.2 7.33 4792.4 7.5 4889.0 7.4 5711.5 8.58 (7) 3710.2 11.12 4448.0 11.06 7313.5 13.20 8539.1 14.09 9762.2 15.22 9765.2 14.9 10594.5 15.7 (8)+(9)+(10) (8) 2514.9 7.54 2821.9 7.02 5035.8 9.09 5580.0 9.21 6161.3 9.64 6060.8 9.2 6413.0 9.5 (9) 196.2 0.59 279.8 0.70 386.7 0.70 471.6 0.78 2985.8 0.91 654.6 1.0 918.0 1.4 (10) 999.1 2.99 1346.3 3.35 1891.0 3.41 2487.5 4.10 579.1 4.67 3049.8 4.6 3263.5 4.8 (11) 2705.9 8.11 3323.2 8.26 8315.9 15.01 8427.2 13.90 10052.4 15.73 14589.0 22.2 11721.6 17.4 50544.1 61156.6 74914.1 86524.1 93734.3 99371.1 112314.7 66.03 65.75 73.98 70.05 68.16 66.16 59.94 (1)=(2)(6)(7)(11) 199920012002 1999 2030 1 67 1,300 40% 2 2 17

35% 1988 1995 2-4 GDP 30% 2-4 1996 1997 1998 GDP 27.52% 23.18% 22.01% GDP 8.56% 5.96% 2.52% 45.14% 34.63% 12.94% 2001 2-5 : ( ) ( ) 2002/6 4278.76 65.96% 13541 39.42% 18

19 ( )

( ) ( ) 10% 2-6 20

8 16 2-6 2001 ( ) / ( %) ( %) ( %) ( %) 1621.81 855.38 1078.48 1082.86 1151.07 (70.97%) 830.81 (97.13) 955.19 (88.57) 992.62 (91.67 %) 190.23 (11.73%) 30.65 (3.74 %) 6.55 (0.403%) NA NA NA 18.20 (2.13%) NA 99.12 (9.19) NA 32.56 (3.01 %) 13.13 (1.21 %) 243.31 (13.157 %) 6.37 (0.74 %) 24.17 (2.24%) 2002 44.55 (4.11 %) 21

WTO (overbanking) 2001 6 ( OBU) ( DBU) WTO 1987 1990 5 21 2001 6 26 2002 9 33 21 OBU 2002 8 14 22

6 OBU DBU 21 16 2002 7 OBU 3-1 3-1 1990.5.21 1991.08.20 1993.7.22 1997.5.2 ( ) 2001.6.26 OBU 2001.11.16 OBU 2002.2.13 2002.8.2 DBU OBU 23

2001 6 OBU 3.5 2002 11 22.34 538 2002 1 11 OBU 8.51 22.34 3-111 162 167 3 OBU OBU OBU OBU 2002 OBU 2002 1998 9 11 24

2002 4 OBU 2 OBU OBU OBU OBU OBU OBU OBU 25

() 1997 7 26 80 20 2002 7 2001 6 26 WTO () 2000 3 2001 1 3 2002 8 2001 12 50 26

50 () 2002 11 2001 12 WTO 1. B 2. 3 33% 3 49% 4 3 1/3 A B H 5 () 33 27

49 12 () : 1 2 3 4 5 (2001/9/29) () 28

2003 () 80 ( ) 1998 B 2000 2001 2002 12 4 2001 6 2002 3 2001 2 28 B 4 5 29

30 ( ) 4-1 1993 1998 1998 1993 40.9%0.78% 58.17%1.92%

1999 44.15 4-2.4-3 39.1% 46.65% A 4-1 :% a b 1993 1998 1999 40.90 58.17 37.84 0.78 1.92 6.31 9.02 11.70 12.97 45.58 16.42 0.14 3.17 20.54 0.04 0.50 4.32 3.54 8.12 17.66 100.00 100.00 99.64 :a. 2001 b. 2001 4-2 :% 41.89 39.10 33.83 30.05 22.49 19.90 18.41 18.21 9.95 6.87 3.08 0.40 6.67 1999 31

4-3 :% 48.47 46.65 37.09 36.52 23.71 22.66 18.26 16.25 13.48 8.99 4.30 1999 WTO 6 2001 52 4-4 59 32

4-4 ( :%) 1999 19 31 13 31 6 100 1991~1995 17 26 17 40 -- 100 1996 19 19 5 57 -- 100 22 4 9 65 -- 100 16 34 14 34 2 100 16 38 19 24 3 100 -- 50 12 38 -- 100 22 -- 11 67 -- 100 36 -- -- 64 -- 100 14 14 7 64 -- 100 14 29 12 43 2 100 22 -- 11 67 -- 100 33 25 17 25 -- 100 300 () 18 32 9 38 3 100 3001~1000 14 27 18 41 -- 100 1001 22 13 13 52 -- 100 14 29 14 43 -- 100 22 9 13 57 -- 100 20 35 10 30 5 100 18 19 13 43 1 100 : 2001 52 33

B 2001 10 8 A B A 2.23 2001 65% 35% 35% 1990 78%1991~1995 68%1996 53% 73% 46% 34

50% 44% 4-5 ( :%) 1999 9 18 36 18 -- 18 -- 100 1991~1995 20 20 14 20 3 17 6 100 1996 21 28 3 14 14 21 -- 100 15 26 4 22 11 22 -- 100 21 21 19 15 4 17 4 100 22 15 26 7 4 26 -- 100 14 21 21 14 7 21 -- 100 22 33 -- 33 11 -- -- 100 14 14 -- 14 14 14 29 100 17 33 -- 28 6 17 -- 100 16 21 14 16 7 21 4 100 25 25 -- 33 8 8 -- 100 29 29 29 -- -- 14 -- 100 300 () 20 23 17 13 7 20 -- 100 3001~1000 9 18 18 27 5 18 5 100 1001 26 26 4 13 9 17 4 100 16 26 13 23 6 16 -- 100 22 26 4 17 9 13 9 100 19 14 24 10 5 29 -- 100 16 20 12 15 6 16 2 100 : 2001 300 1000 300 1000 53% 2001 35

4-5 (20) ( 16) ( 15) (10) 10 300 1000 568 55 7 2000 80 ( ) 36

(overbanking) WTO 86 68 ROA ROE 4-6 4-7 37

( ) 1995 3.00 2.88 0.82 4.02 1996 4.15 3.74 1.00 7.10 1997 4.18 3.74 1.07 8.53 1998 4.93 4.41 1.64 10.57 1999 5.67 4.96 3.20 13.70 2000 6.20 5.47 3.22 15.68 1 11~15 * 1993 10.4 1.1 22.9 0.8 4.1 1.3 -- -- 1994 11.5 1 19.9 0.9 5.2 1.1 22.2 0.93 1995 9 0.7 17.3 0.7 5.3 0.7 29.6 1.32 1996 9.7 0.7 14.8 0.7 6.9 0.8 27.4 1.3 1997 11.4 0.9 15.6 0.8 9.9 1 33.3 1.52 1998 8 0.6 12.9 0.8 5.1 0.4 22 1.01 1999 5.9 0.5 8.6 0.5 5.3 0.5 16.72 0.77 2000 4.9 0.39 3.6 0.24 4.46 0.43 33.16 1.29 2001 5.5 0.4 1.05** 0.06** 3.12*** 0.36*** 32.02 1.19 1 1998 50% 2 2001 ROE -31.05ROA -1.80 3 2001 ROE -1219.35ROA -8.98 38

IMD WEF IMD WEF IMD WEF 5 10 IMD WEF (soft data) (hard data) WEF WEF IMD WEF IMD 2000 22 2001 18 2002 24 5-1 2000 39

26 2001 20 2001 16 2001 33 2002 31 2001 37 2002 43 IMD WEF 5 WEF 5-2 2000 11 2001 7 2002 11 15 6 WEF 2000 41 2001 39 2002 6 33 WEF IMD 40

IMD 2000 ~2002 IMD 5-1 5-1 (). 2000 2002 21.28 30 41.46 45 () 2000 2002 614 9 2649 43 () ( ) 2000 2002 1513 13 3932 29 41

() GDP 2000 2002 810 4 11.8 9 2002 216.95 () 2000 2002 3130 31 4249 45 30 () 2000 2002 1317 4 2001 2002 4546 42

5-1. IMD * 22 26 31 42 18 20 () 21 41 28 () 6 26 14 () 15 39 13 () GDP 8 11 () 31 42 () 13 - : IMD, The World Competitiveness Yearbook, 2000 2002 2000 2001 2002 * Economic performance Government efficiency Business efficiency Infrastructure WEF WEF 5-2 10 30 17 33 37 46 49 32 8 49 45 24 16 30 9 13 4 31 4 31 43 45 43 29 9 45 46 () WEF 2000 26 2001 2 46 59 WEF () 2002 36 2001 53 50 63 () 28 41 48 60 43

() 2000 40 2001 48 58 74 74 () 2000 2001 12 11 27 30 () 22 33 5-2. WEF Index Year 2000 2001 * 11 41 7 39 ** 21 44 21 47 26 46 2 59 36 50 53 63 28 48 41 60 40 58 48 74 *** 12 27 11 30 **** 22 32 22 34 *. ** 2000 *** **** :WEF, The Global Competitiveness Report, 2000 2001 44

45 1000 30 WTO GDP

AA- Aa3 2001 A+ 2002 49 47 41 2002 43 46

1. 2. 3. 6-1 ( ) 6-1 6-2 6-1 6-2 47

6-1 ( ) 100 200 100 50% 50% 8% 8% 6-2 10 1 8 10 8 60% 1 60% 5000 (2002) 48

6-3 70% 25% 6-3 ( ) 70% 25% 25% 2002 1 6-4 49

6-4 31 32 33 34 35 36 : 2002 1 29 50

6-5 15% 33% ( ) 8% 51

52 6-5 15% " "( ) 8 33% 8% 2001 WTO 6-6 6-6 WTO

6-6 WTO WTO 2001 WTO (1) 8 (2) (3) (4) (5) WTO 8 53

54 5-6 WTO 2002 2007 6-7 6-7

6-1 8% 12.5 1 () ( ) 55

56 6-7 1. 2. 1. 2. 3., 4. 5. 6. 1. 2. 3. 1. 1. 2. 3. () 1. 2. 3. 4. 1. 2. 3. 1. 2. 3. :

57 40 WTO WTO

1993 82 208 2001 138 159 213 7-1 1999 8 21 4 30 7-1 ( ) 1993 1995 1999 2001 208-247 213 82 120 156 159 89.3 191.4 317.9 452 20.7 31.4 52 77 39.4 127.5 214.7 186 1994199620002002 7-2 7-2 58

7-2 ( ) 1 47 28 15 12 10 15 6 5 4 2 7 62 213 1 27 38 13 7 17 7 5 12 4 9 0 20 159 2 363.4 2048.8 398.9 107.0 55.4 79.9 23.78 214.7 33.5 152.0 331.1 654.1 4462.6 (%) 8.14 45.91 8.94 2.40 1.24 1.79 0.53 4.81 0.75 3.41 7.42 14.66 100 3 1019.1 692.1 971.8 114.0 83.3 278.0-140.2-440.7 446.5 2022.2 6207.7 (%) 16.41 11.15 15.65 1.84 1.34 4.48-2.26-7.10 7.19 32.58 100 4.621 29.57 13.185 5.458 1.929 3.491 2.064 11.94 3.708 12.53 44.38 7.299 11.28 4 8.501 6.551 21.51 3.794 1.974 7.791-5.005-24.25 39.27 15.69 10.35 5 1.2001 12 2.1979 2002 3.2002 4 / 5. / : 1.2002 2. 2002 8 7-2 38 28 12 5 9 2 59

7-3 88, 45 7-3 88 57 18 3 7 5 4 5 3 1 2 3 3 1 2 0 0 0 11 213 19 45 15 23 1 10 14 2 1 1 3 0 10 2 0 3 3 1 2 159 2002 2002 53 30 13 112 67 54 2001 452 2000 7% 186 2000 16% 292 1998 6.61% 77 2000 14% 1999 74.66%(1998 84.9%) 9 12.19%(1998 10.05%) 13.12%(1998 5.02%) 60

10 5.69%(1998 3.1%) 11 6.57%(1998 0.07%) 1999 1998 74.66% 12 7-4 7-4 / / / / 1997 62.49% 1998 70% 2001 62.25 1997 3.31% 2000 2.09% 2001 2.24 1997 1998 2001 18.82 7-1 1999 1 61

1997 3.31% 2000 2.09% 2001 2.24 7-1 : 1996-2002 60% 2001 67 2001 12.06%7.26% 0.5 1999 0.397 2001 0.48 7-2 WTO 62

7-2 : 1996-2002 2000 60 2001 53.11 1995 4.57%0.40% 2001 6.43%3.72% 10 1997 3.04% 2001 1.26% 7-3 7-3 7-3 : 1996-2002 63

1998 1999 1997 1998-47.71% -17.95% 1998 1999 1998 1999-4.43% -39.71% 1998 1999 1998-16% 1999-172.56% (ROA) ROA 1991 47 2001 190 1991 304% 1993~1999 1997 64

466 1993 351.3 7.4% 758.1 1993 478.2 12.2% 44.8 1993 21.1 20.7% 274.6 1993 41.6 60% 2001 WTO 5~10 WTO 7-5 WTO 5% 15%~20% 20%~30% 50% 1% 10%~15% 20%~30% 50%~60% 10%~15%20%~30% 7-5 WTO 5~10 5 10 5 95 15~20 80~85 20~30 70~80 23 77 35~40 60~65 50~60 40~50 0.5 99.5 8~10 90~92 20~25 75~80 0.4 99.6 10~15 85~90 25~30 70~75 30 70 40~45 50~60 50~60 40~50 NA NA 10~15 85~90 20~30 70~80 2001 65

WTO 1997 3% (IFC 2700 15 HSBC 8% (New Bridge Capital) 20,, 6 5 ) 13 14 66

15 New Bridge Capital New Bridge Capital 16 15 67

/ / / / / / / / / / / / / / / 7-6 76.04% 88.26% 25.20% 75.48% 7-6 (1998) 76.04 88.79 88.26 68.29 25.20 579.51 75.48 94.50 (2002), 68

7-7 0.097% 0.96% 0.65 0.63 1.07% 12.45% 8.30% 4.15 7-7 ( )(1998) 0.097% 1.07% 60.98% 4619.9 0.96% 12.45% 64.74% 123730.8 0.63% 8.30% NA NA 0.65% 29.48% 82.47% 294758.80 (2002), 69

7-7 60.98% 64.74% 4619.9 123,730.8 26.78 294,758.80 17 7-8 8% 10.46% 1998 2700 8% 5.49% 7.98% 1998 70

7-8 (1998) 7.94% 17.88% 19.60% 5.49% 20.43% 25.18% 7.58% 0.34% -5.17% 10.64% 3.43 5.10 (2002), 7-8 17.88%19.60% 20.43%25.18% 1998 3.43 5.10 2001 25.37 2002 10 40 45 刋 11 (GDP) GDP 71

35% 1998 7-9 97.93% 88.79% 9.14-1.12% 0.09% -36.26% 72

(1998) 76.04 NA NA NA 75.48 88.79 97.93 87.93 127.57 94.50 60.98 NA NA 99.58 NA 17.88-5.29 7.06-3.94 3.43 0.09-1.12 1.66 0.63 0.65 1.07 NA 19.53 NA 29.48-36.26-30.59 NA -25.54-3.21 4619.9 NA 55578 NA 2085.21 NA NA NA 35.6 NA NA 1.07 1.26 NA 7.45 NA 3.14 0.33 NA NA NA 1.04 0.64 NA 3.98 NA 95.92 167.76 NA NA NA 73.31 NA NA NA 7.94 11.6 8.72 NA 10.64 19.60-2.61 8.27 15.97 5.10 (1.) 19 10 1998 (2.) (3.) (4.) 70%(5.) (2002) 1.07%3.14%1.04% 95.92%73.31% 11.6% 73

74 7-9 87.97% 88.79% 7-9 1.66% 19.53% 55578 0.09% 1.07% 4619.9 1.26%0.33%0.63% 26.11% 8.72% 13 7-9

127.57% 0.63% 99.58% 35 7-9 75.48% 76.04% 0.65% 0.09% -3.21% -36.26% 7.45%3.98% 75

8-1 ( ) 98.17% 0.61% 89.92% 6.32% 8-1 ( ) ( ) (A) (B) (B/A) (C ) (C/A) 1 80.22 78.58 98.17% 0.45 0.61% 62 2 2.53 2.27 89.92% 0.16 6.32% 80 1. 2000 2. 2000 (2002) 76

8-1 82% 62% 98% 62% 8-2 65.07% 14.03% 90% 91.95% 8-2 ( ) ( ) ( ) A 61248.75 340.75 A/G 65.07% 14.03% B 17027.25 154.78 B/G 18.09% 6.37% C 7157.5 37.9125 C/G 7.60% 1.56% D 2984.75 3.6825 D/G 3.17% 0.15% E 1420.75 0.3975 E/G 1.51% 0.02% F 5383 2232.925 F/G 5.72% 91.95% G 94126.5 2428.399 7 (1) (2) (3) (4) (5) (6) (7) 2000 2. 2000 77

90 98.17 90.14 62 82 90 7-2 1979 2002 363.4 8.15% 3 2002 1019.1 16.41% 1979 2002 6 341.9 1981 2000 1,121 25% 8-3 78

8-3 6 4 3 2 2 4 2 2 1 2 0 2 1 1 22 53 2 3 5 3 2 4 0 0 2 3 2 0 1 1 28 28 2001.10.1 2000, 2001 79

50% 7-2 1979-2002 2048.8 45.91% 2002 692.1 11.15% 8-4 8-4 4 7 4 7 1 2 1 2 0 2 1 2 2 6 0 1 1 0 43 9 8 1 7 3 3 2 1 6 0 1 1 1 3 2 1 3 6 58 1. 滙 2. 2000 80

2001 172 194 滙 8-5 2001 81

385.27 859.80 503.88 1. 2 3 82

8-5 2 2 1 2 2 1 1 2 3 2 1 0 0 3 5 2 1 0 3 2 5 1 3 2 1 1 1 1 3 3 0 0 4 6 8 4 5 2 1 11 5+1 8 0 0 1. 2. 2000 8.63% 15.70% 8-6 83

8-6 1 3 0 3 2 0 0 10 1 1 10 1 1 0 3 1 13 13 9 4 2 2 3 5 0 3 1 1 2 3 3 1 4 3 3 5 8 2 7 2 23.97 ( ) (0.67%) 307.63 (8.63%) 61.95 (1.74%) 45.47 (1.28%) 89.64 (2.52) 21.74 (0.61) 2000 744.7 22.6 76.6 99.0 84.5 (15.70%) (0.48%) (1.61%) (2.08%) 1.78%) 2000 2000 2001 84

85

8% 40 8-7 8-8 86

8-7 1980 1995 1997 1980 1995 1997 24 23 22 24 21 22 20 32 22 16 30 18 27 25 25 28 25 25 24 21 21 23 21 21 35 40 35 35 42 40 : 2001 8-9 ( ) 1985 15 1993 3.8 2001 8.4 8-10 87

8-8 1979 1979.1 1980 1981 1982 1985 1985 ( ) 1985 1986 1987 1987 1988 1988 1988 1988 1989 1989 1992 1992 1993 1994.3 1995.6 IC 1995.4 1995.9 1995.12 8-9 / 1996 1997 1998 1999 2000 2001 100% 100% 100% 100% 100% 100 87.83% 88.12% 89.70% 87.55% 88.95% 86 7.22% 6.36% 5.33% 6.75% 5.59% 7 0.97% 0.99% 0.58% 0.75% 0.46% 1 2.83% 2.98% 2.95% 3.29% 3.72% 4 0.53% 1.05% 0.73% 0.48% 0.72% 1 0.63% 0.50% 0.71% 1.18% 0.55% 1 88

8-10 1994 1995 1996 1997 1999 2000 2001 () 8,426,142 14,113,817 41,708,023 71,754,123 180,061,940 277,435,377 382,825,205 ( 5204.86 ) 9606.27 10377.30 129653.27 24216.72 45299.99 84279.48 275.89 ( ) 432.10 559.30 718.51 1247.70 2909.20 4520.20 61770.38 68062.88 24880.82 (/) 18069.02 13449.11 16328.12 22015.13 3274.21 3061.54 (/) 1340.99 1001.35 6929.28 10486.04 11807.47 120,258 () 183,422 234,532 280,526 345,190 383,683 400,671 84296.59 188845.61 266146.12 ( ) NA NA NA NA ATM() 795 7051 9941 18346 26424 33094 39957 POS() NA 48384 99716 1392740 223509 287845 299982 1995-2002 1999 400 89

90 4,461 715 51.8

Correspondent banking 91

WTO 2002 WTO 92

18 93

(local credit) 30% 94

1 10 95

2002 4 8 40 WTO 96

2002 (Ericsson Inc.) WTO 97

98 WTO 1999 7 9 9 10-1

10-1 (1999) ( ) 1 41,889 184,914 50.13 226.53 3,615.96 2 36,877 170,975 47.07 215.69 3,612.69 5 24,121 72,683 82.28 331.87 5,003.85 10 19,654 88,628 50.38 221.76 2,950.49 7 22,074 17,878 8.72 1,234.70 33,489.20 9 19,899 16,330-359.22 1,218.55 23,847.76 11 19,590 13,976-394.82 1,401.69 25,631.30 13 17,745 13,747-391.07 1,290.83 30,433.77 3 29,352 132,285 49.82 221.88 3,663.72 22 13,495 786,000 40.60 171.69 4,495.76 23 13,389 64,400 55.33 207.90 4,804.67 31 12,111 77,200 64.97 156.88 3,109.69 8 20,525 48,011 61.26 427.51 14,285.93 4 17,579 36,775 55.50 478.01 12,888.73 138 2,583 3,727 31.39 693.05 12,071.91 166 2,051 NA NA NA NA 42 9,423 24,527 78.32 384.19 7,559.14 45 8,420 35,600 41.69 236.52 4,823.88 64 6,014 28,276 15.07 212.69 4,319.74 66 5,903 28,479 36.27 207.28 4,641.60 4 25,930 86,100 43.73 301.16 5,308.21 27 12,824 52,404 33.18 244.71 7,233.15 29 12,521 58,600 34.27 213.67 7,637.29 36 10,737 45,300 26.25 237.02 6,323.64 99

( ) 12 18,680 75,306 62.58 248.05 9,727.43 25 13,042 48,918 31.95 266.45 8,728.88 32 11,853 25,146 108.88 471.37 13,409.57 33 11,760 27,912 51.91 421.32 13,662.90 48 7,522 40,300 38.19 162.46 3,232.22 82 4,940 30,827 31.24 160.25 2,585.72 90 4,673 30,743 26.77 152.00 2,605.24 101 3,957 33,222 32.72 119..11 2,457.41 113 3,227 11,526-119.73 279.98 6,017.96 154 2,231 11,916 31.05 187.23 5,304.04 171 1,984 4,446 7.20 446.24 7,256.19 251 1,221 5,889-118.19 207.34 5,590.08 102 3564 5837 74.26 610.59 8070.38 140 2414 3576 75.38 675.06 8383.56 173 1955 4971 54.71 393.28 6778.57 206 1570 5872 33.96 267.37 8164.70 6 22,213 567,230 0.74 39.16 689.69 18 14,712 202,147 2.10 72.78 1,479.16 65 5,988 386,000 3.15 15.51 526.21 88 4,802 538,800 0.18 8.91 352.81 (2002) 100

267.37 72.78 3 6778.6 8383 1479.16 75.38 33.96 5 3.15 10 215.9 331.87 1218.55 1401.69 156.88 427.51 693.05 207.28 384.19 119.11 82.28 47.07 30~60 78.32 15.07 26~38 108.88 31.95 101

102 2%~5% 10-2 10-7 10-3 10-4 72 90 90 10-6 14.51 1.4 10-5 18.434 5.1 10-7 34.44

(%) (%) (%) 30 34482 20.7 130 01 3954 2.4 31~35 39612 23.7 2254 1.3 56453 33.8 36~40 38987 23.4 32962 19.7 60352 36.1 41~45 24267 14.5 63988 38.3 120759 72.3 46~50 17900 10.7 23991 14.4 51~54 7353 4.4 29974 18.0 55~59 4248 2.5 13685 8.2 60 135 0.1 16698 4 16698 4 100 2002 10-3 (2001 ) (%) (%) (%) 30 57 23 12 5 38 15 31~35 68 27 88 35 88 35 36~40 56 22 91 36 38 15 41~45 29 12 39 15 164 65 46~50 31 12 17 6 51~54 9 2 4 2 55~59 1 1 1 1 60 1 1 252 100 252 100 100 2002 103

10-4 (2001 ) (%) (%) 30 60 17.5 48 14.0 31~35 116 33.9 168 49.1 36~40 88 25.7 78 22.8 41~45 33 9.7 24 7.0 46~50 30 8.8 6 1.8 51~54 9 2.6 14 4.1 55~59 1 0.9 4 1.2 60 1 0.9 342 100 342 100 2002 10-5 (2001 ) (%) (%) (%) 30 11046 17.63 51 0.08 2276 5.14 31~35 8711 13.90 861 1.374 17068 38.51 36~40 18940 30.22 10632 16.98 24977 56.35 41~55 21832 34.54 36448 58.16 44321 100 56 2135 3.71 10864 17.33 62664 100 3808 6.076 62664 100 2002 104

10-6 (2001 ) (%) (%) (%) 35 741755 52.1 8 206217 14.51 14964 1.40 35~45 529056 37.2 29194 534154 37.58 2 9 27.24 46~50 96832 6.81 309258 26.16 76492 8 73.36 51~54 33213 2.34 371937 21.75 10784 1 100 55 20710 1.45 142156 6 100 1421566 100 2002 10-7 (2001 ) (%) (%) (%) 30 33467 46.9 0 22430 34.44 1287 3.01 31~40 26590 37.2 29802 41.77 17459 6 40.80. 41~50 9336 13.0 8 19121 26.79 24046 56.19 51 1960 2.76 71353 100 42792 100 71353 100 2002 2000 3 105

106

107 ( ) IT

2001 6 3 4 1 2 5000 300 500 2002 10 ( ) ( ) (ING ) ( ) ( ) ( ) ING 80 108

5 2 109

2 10 110

2001 () 1-1 111

() WTO 65 () 1. OBU DBU OBU OBU 2. OBU () 1. 2. 112

113 3. () () 1. 2. 3. 4. 5. 1. 2.

2002 43 16 40 40 () 6-3 () () () 6-7 () 1. 2. 40 114

115 3. 4. 5. 1. 2. WTO 3. 4. 5. 6. 7. 8. WTO 9. () 1. 2. 3. 1999 4. ()

() () () 8-8 () 1. 2. WTO 3. 4. 5. 116

117 2002 6. 7. 8. 9. 10. WTO 11. () 1. 2. 3. ()

() WTO () OBU DBU OBU OBU OBU () () () () () 118

() () () () () WTO 119

() ()IMD WEF () () () () 120

121

1.The World Competitiveness Yearbook, (2000~2002) IMD. 2.The Global Competitiveness Report,(2000~2001) WEF. 3 2002 4 (1992~2002) 5 (1952-1996) 6 (1996-1997) 7 2002, 8 (2001) WTO 9 1996 10 1997 11. 2001 12. (2002 13 (2003 122

14 2001 15 (1996) 16 (1993) 17 (2002) 35 18 (1987) 19 (2000) WTO 20 (1998) 21. (1990) 22. (2001) 23 1994 24 (2001) 25 1997 26 (1995) 27 (1992) 123

28 (1993) 29 (1994) 30 (1996) 31. (1991) 32. 2002 33 199419951996 34 2001 35 (1996) 36 2000 37 (2002) - 38 (2002) 39 (2001) 40 (1997) 124

41. (1995) 42. (1999) 43 (1990) 125

- 91/12/23 9:30~12:00 1F : 126