2023 Industry Credit Outlook

<p><a href="http://www.korearatings.com/cms/frCmnCon/index.do?MENU_ID=580" target="_blank" class="ke-link"><b>2023 Industry Credit Outlook요약</b></a></p><p> </p><div class="figure-file" data-ke-type="file" data-file-src="https://t1.daumcdn.net/cafeattach/1Xpcc/f5420c07be6f6b679a6fd81e7c22b54d4fe7cc20?download" data-file-name="2023년 Industry Credit Outlook [기업부문 요약] 건설, 시멘트／레미콘, 철강, 통신, 반도체.pdf" data-file-size="731215" data-mimetype="application/pdf" data-ke-align="alignCenter"><a href='javascript:fileFilterViewer("https://t1.daumcdn.net/cafeattach/1Xpcc/f5420c07be6f6b679a6fd81e7c22b54d4fe7cc20?download", "/cafeattach/1Xpcc/f5420c07be6f6b679a6fd81e7c22b54d4fe7cc20", "2023년 Industry Credit Outlook [기업부문 요약] 건설, 시멘트&amp;#65295;레미콘, 철강, 통신, 반도체.pdf", "grpid%3D1Xpcc%26fldid%3DhrKk%26dataid%3D13459%26fileid%3D28%26regdt%3D20221215170224&url=https%3A%2F%2Ft1.daumcdn.net%2Fcafeattach%2F1Xpcc%2Ff5420c07be6f6b679a6fd81e7c22b54d4fe7cc20")'><div class="image"></div><div class="desc"><div class="filename"><span class="name">2023년 Industry Credit Outlook [기업부문 요약] 건설, 시멘트／레미콘, 철강, 통신, 반도체</span><span class="type">.pdf</span></div><div class="size">714.08KB</div></div></a></div><div class="figure-file" data-ke-type="file" data-file-src="https://t1.daumcdn.net/cafeattach/1Xpcc/9f1f4d1886ce16524840cafb606e5b264a06b950?download" data-file-name="2023년 Industry Credit Outlook [기업부문 요약] 디스플레이, 자동차, 조선, 항공, 해운.pdf" data-file-size="684608" data-mimetype="application/pdf" data-ke-align="alignCenter"><a href='javascript:fileFilterViewer("https://t1.daumcdn.net/cafeattach/1Xpcc/9f1f4d1886ce16524840cafb606e5b264a06b950?download", "/cafeattach/1Xpcc/9f1f4d1886ce16524840cafb606e5b264a06b950", "2023년 Industry Credit Outlook [기업부문 요약] 디스플레이, 자동차, 조선, 항공, 해운.pdf", "grpid%3D1Xpcc%26fldid%3DhrKk%26dataid%3D13459%26fileid%3D29%26regdt%3D20221215170224&url=https%3A%2F%2Ft1.daumcdn.net%2Fcafeattach%2F1Xpcc%2F9f1f4d1886ce16524840cafb606e5b264a06b950")'><div class="image"></div><div 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data-img-src="https://t1.daumcdn.net/cafeattach/1Xpcc/dd783bfa997734eae2c3902c7b9e69f23c7454b1" data-origin-width="2481" data-origin-height="3508"></div><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Xpcc/d07d5676aac7b88dd2af36c6f5198749d4997124" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Xpcc/d07d5676aac7b88dd2af36c6f5198749d4997124" data-origin-width="2481" data-origin-height="3508"></div><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Xpcc/3e9d659f452622ba28d382278e63294539d84718" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Xpcc/3e9d659f452622ba28d382278e63294539d84718" data-origin-width="2481" data-origin-height="3508"></div><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Xpcc/d88cdc9cfcad4f4b856fbc5e99deba7448d9cec3" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Xpcc/d88cdc9cfcad4f4b856fbc5e99deba7448d9cec3" data-origin-width="2481" data-origin-height="3508"></div><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p><b><u><span style="color: #000000; background-color: #eaeaea;" data-ke-size="size16">[</span></u></b><b><u><span style="color: #000000; background-color: #eaeaea;" data-ke-size="size16">리서치 공시현황 및 주요내용]</span></u></b><span data-ke-size="size16"> </span></p><p style="text-align: start;"><b><span style="color: #365f91;" data-ke-size="size16"> </span></b></p><p style="text-align: start;"><b><span style="color: #365f91;" data-ke-size="size16">[Issue Report]</span></b><span data-ke-size="size16"> </span></p><p style="text-align: justify;"><span data-ke-size="size16">●</span><span data-ke-size="size16">  <a href="https://bit.ly/3Pw7Hw4" target="_blank" class="ke-link">[대외요인 변화에 따른 영향 2023 (I)] - 2023년 경기 하강 국면 진입 예상, - 산업별 사업환경 부정적 방향으로 변경</a></span><span data-ke-size="size16">(26 </span><span data-ke-size="size16">페이지) </span></p><p style="text-align: justify;"><span data-ke-size="size16"> </span></p><p style="text-align: start;"><b><span style="color: #365f91;" data-ke-size="size16">[Special Comment]</span></b><span data-ke-size="size16"> </span></p><p style="text-align: justify;"><span data-ke-size="size16"><a href="https://bit.ly/3HCmFPg" target="_blank" class="ke-link">●  2023년 Industry Credit Outlook - 본격적인 경기침체 우려 확대, 신용도 하방 압력 증가</a></span><span data-ke-size="size16"> </span><span data-ke-size="size16">(10 </span><span data-ke-size="size16">페이지) </span></p><p style="text-align: start;"><b><span style="color: #365f91;" data-ke-size="size16"> </span></b></p><p style="text-align: start;"><b><span style="color: #365f91;" data-ke-size="size16">[Industry Credit Outlook] </span></b></p><p style="text-align: justify;"><span data-ke-size="size16">●</span><span data-ke-size="size16">  <a href="http://www.korearatings.com/cms/frCmnCon/index.do?MENU_ID=580" target="_blank" class="ke-link">27개 업종별 요약보고서 및 발표자료 </a> </span><span data-ke-size="size16"> </span></p><p style="text-align: start;"> </p><p style="text-align: start;"><b><span style="color: #365f91;" data-ke-size="size16">[</span></b><b><span style="color: #365f91;" data-ke-size="size16">금융재무자료] </span></b></p><p style="text-align: justify;"><span data-ke-size="size16">●</span><span data-ke-size="size16">  <a href="https://www.korearatings.com/download/UJubtqMlm1qL2glg4@ea.g==/4cWzwvukNrfF6SnfPENQyw==/research.do" target="_blank" class="ke-link">[Data Sheet] 할부리스 재무자료_2022.3Q</a> </span></p><p style="text-align: justify;"><span data-ke-size="size16"> </span></p><p style="text-align: justify;"><span data-ke-size="size16"> </span></p><p style="text-align: start;"><b><span style="color: #365f91; background-color: #eaeaea;" data-ke-size="size16">1. [</span></b><b><span style="color: #365f91; background-color: #eaeaea;" data-ke-size="size16">대외요인 변화에 따른 영향 2023 (I)] - 2023년 경기 하강 국면 진입 예상, - 산업별 사업환경 부정적 방향으로 변경  </span></b></p><p style="text-align: start;"> </p><p style="text-align: start;"><b><span data-ke-size="size14">○</span></b><b><span data-ke-size="size14">   </span></b><b><span data-ke-size="size14">매크로 이슈에 대한 View Update </span></b></p><p style="text-align: start;"><span data-ke-size="size14">‐  </span><span data-ke-size="size14">물가: 물가상승률 둔화되나, 2023년까지 고물가 상황 지속   </span></p><p style="text-align: start;"><span data-ke-size="size14">‐  </span><span data-ke-size="size14">금리: 한미, 2023년까지 고금리 상황 계속. 고금리 부담 온기 반영 등 조달 환경의 비우호도 심화  </span></p><p style="text-align: start;"><span data-ke-size="size14">‐  </span><span data-ke-size="size14">환율: 1,300원 기준 등락, 강달러 상황 완화되나 상대적 강세 지속  </span></p><p style="text-align: start;"><span data-ke-size="size14">‐  </span><span data-ke-size="size14">경제성장률: 경기 하강국면 본격화. 2023년 우리나라 경제성장률 1.7% 예상    </span></p><p style="text-align: start;"><span data-ke-size="size14">‐  </span><span data-ke-size="size14">유가: 배럴당 80~110불 밴드에서 등락, 평균유가 92불 </span></p><p style="text-align: start;"><span data-ke-size="size14">‐  </span><span data-ke-size="size14">공급망 경색: 수요 위축과 코로나 엔데믹 전개로 공급망 경색 완화  </span></p><p style="text-align: start;"><span data-ke-size="size14">‐  </span><span data-ke-size="size14">자금시장: 2023년 1분기 이후 점진적인 경색 국면 완화 단기 내 원화 고환율 및 강달러 지속 전망. 원화 외의 통화들도 강달러 영향을 받고 있어, 원화가치 하락이 국내 수출기업 가격경쟁력 제고로 이어질지는 불확실 </span></p><p style="text-align: start;"><span data-ke-size="size14"> </span></p><p style="text-align: start;"><b><span data-ke-size="size14">○</span></b><b><span data-ke-size="size14">   </span></b><b><span data-ke-size="size14">KR’s View </span></b></p><p style="text-align: start;"><span data-ke-size="size14">‐   2023년 사업환경 및 실적 예상 결과 신용도 하향 모멘텀이 있는 산업은 건설, 석유화학, 의류업 </span></p><p style="text-align: start;"><span data-ke-size="size14">‐   2023년의 전 산업을 관통하는 주제는 ▲수요 침체 하 실적 방어 수준, ▲재무안정성 통제 여부 </span></p><p style="text-align: start;"><span data-ke-size="size14">‐   수요 침체에도 불구하고 공급 증분이 크지 않을 경우 개별 산업의 업황은 매크로 추이와 다르게 나올 수 있음 </span></p><p style="text-align: start;"><span data-ke-size="size14">‐   또한, 업계 전반적으로 투자가 일단락되어 재무적 완충력을 확보한 경우 업황 하락기를 견뎌낼 체력 있다고 판단 </span></p><p style="text-align: start;"><b><span data-ke-size="size14"> </span></b></p><p style="text-align: start;"><b><span style="color: #365f91; background-color: #eaeaea;" data-ke-size="size16">2. 2023</span></b><b><span style="color: #365f91; background-color: #eaeaea;" data-ke-size="size16">년 Industry Credit Outlook - 본격적인 경기침체 우려 확대, 신용도 하방 압력 증가  </span></b></p><p style="text-align: start;"> </p><p style="text-align: start;"><b><span data-ke-size="size14">○</span></b><b><span data-ke-size="size14">   </span></b><b><span data-ke-size="size14">2023</span></b><b><span data-ke-size="size14">년 업종별 산업전망 </span></b></p><p style="text-align: start;"><span data-ke-size="size14">‐  2022</span><span data-ke-size="size14">년 1분기까지는 글로벌 경기 및 실적 회복 흐름 지속. 그러나, 2분기부터 물가 상승에 대응한 가파른 금리인상으로, 소비 및 투자심리가 저하되며 주요 업종의 업황 및 실적 개선세 크게 둔화 </span></p><p style="text-align: start;"><span data-ke-size="size14">‐  2023</span><span data-ke-size="size14">년에는 본격적인 글로벌 경기침체 및 주요 업종 실적 방향성 우려 확대 예상  </span></p><p style="text-align: start;"><span data-ke-size="size14">‐  </span><span data-ke-size="size14">고물가 기조 지속에 따른 원자재가 및 제반 비용 상승, 고금리 환경 하에 조달여건 저하 및 이자비용 증가, 환율변동성 확대, 러-우 전쟁 지속 등 거시환경 변수가 비우호적인 방향성 보일 전망  </span></p><p style="text-align: start;"><span data-ke-size="size14">‐  </span><span data-ke-size="size14">사업환경 및 실적전망: 다수 업종의 사업환경이 ‘비우호적’이며 실적방향 역시 대부분 ‘저하’ 또는 ‘유지’될 것으로 전망  </span></p><p style="text-align: start;"><span data-ke-size="size14">‐  </span><span data-ke-size="size14">등급전망: 대부분 ‘중립적’일 것으로 예상되나, 경기침체 우려 확대와 고금리 기조로 신용도 하방압력 증가할 것  </span></p><p style="text-align: start;"><span data-ke-size="size14">‐  </span><span data-ke-size="size14">특히 건설, 석유화학 및 의류 업종(비우호적인 사업환경, 큰 폭의 실적 저하 예상), 저축은행, 증권, 할부리스 등 일부 업종(고금리, 조달여건 저하와 부동산PF리스크 등으로 수익성 및 자산건전성 저하 우려 가중)의 등급전망 ‘부정적’</span><span data-ke-size="size16"> </span></p><p style="text-align: justify;"><span data-ke-size="size16"> </span></p><p style="text-align: justify;"><b><span data-ke-size="size16">[2023</span><span data-ke-size="size16">년 Industry Credit Outlook(요약보고서, Word)]</span><span data-ke-size="size16"> </span></b></p><p style="text-align: justify;"><a href="https://www.korearatings.com/download/N8OjbXub5OFOUfQedo@1Og==/kY@cjvMZfFYVpskECVnOgQ==/research.do" target="_blank" class="ke-link"><span data-ke-size="size16">2023</span><span data-ke-size="size16">년 Industry Credit Outlook_ </span><span data-ke-size="size16">건설, </span><span data-ke-size="size16">시멘트/</span><span data-ke-size="size16">레미콘, </span><span data-ke-size="size16">철강, </span><span data-ke-size="size16">통신, </span><span data-ke-size="size16">반도체</span></a><span data-ke-size="size16"> </span></p><p style="text-align: justify;"><a href="https://www.korearatings.com/download/asUhyV2TGYenI1N88BLvDA==/kY@cjvMZfFYVpskECVnOgQ==/research.do" target="_blank" class="ke-link"><span data-ke-size="size16">2023</span><span data-ke-size="size16">년 Industry Credit Outlook_ </span><span data-ke-size="size16">디스플레이, </span><span data-ke-size="size16">자동차, </span><span data-ke-size="size16">조선, </span><span data-ke-size="size16">항공, </span><span data-ke-size="size16">해운</span></a><span data-ke-size="size16"> </span></p><p style="text-align: justify;"><a href="https://www.korearatings.com/download/u4O@e7n@nTsK7Kx5qPV5HA==/kY@cjvMZfFYVpskECVnOgQ==/research.do" target="_blank" class="ke-link"><span data-ke-size="size16">2023</span><span data-ke-size="size16">년 Industry Credit Outlook_ </span><span data-ke-size="size16">소매유통, </span><span data-ke-size="size16">제약, </span><span data-ke-size="size16">음식료, </span><span data-ke-size="size16">제지, </span><span data-ke-size="size16">호텔</span></a><span data-ke-size="size16"> </span></p><p style="text-align: justify;"><a href="https://www.korearatings.com/download/4St3ro8mTLgVjNznk.u9iQ==/kY@cjvMZfFYVpskECVnOgQ==/research.do" target="_blank" class="ke-link"><span data-ke-size="size16">2023</span><span data-ke-size="size16">년 Industry Credit Outlook_ </span><span data-ke-size="size16">정유, </span><span data-ke-size="size16">석유화학, </span><span data-ke-size="size16">민자발전, </span><span data-ke-size="size16">의류</span></a><span data-ke-size="size16"> </span></p><p style="text-align: justify;"><a href="https://www.korearatings.com/download/yREV0MyeU5OS9bd4G0f12A==/kY@cjvMZfFYVpskECVnOgQ==/research.do" target="_blank" class="ke-link"><span data-ke-size="size16">2023</span><span data-ke-size="size16">년 Industry Credit Outlook_ </span><span data-ke-size="size16">은행, </span><span data-ke-size="size16">저축은행, </span><span data-ke-size="size16">생명보험, </span><span data-ke-size="size16">손해보험</span></a><span data-ke-size="size16"> </span></p><p style="text-align: justify;"><a href="https://www.korearatings.com/download/8l0ALWNm7dz4XW6dF2VcYg==/kY@cjvMZfFYVpskECVnOgQ==/research.do" target="_blank" class="ke-link"><span data-ke-size="size16">2023</span><span data-ke-size="size16">년 Industry Credit Outlook_ </span><span data-ke-size="size16">부동산신탁, </span><span data-ke-size="size16">신용카드, </span><span data-ke-size="size16">할부리스, </span><span data-ke-size="size16">증권</span></a><span data-ke-size="size16"> </span></p><p style="text-align: justify;"><span data-ke-size="size16"> </span></p><p style="text-align: justify;"><b><span data-ke-size="size16">[2023</span><span data-ke-size="size16">년 Industry Credit Outlook(기업부문)] </span></b></p><p style="text-align: justify;"><a href="https://www.korearatings.com/download/J7hh5xWIN43x5@I6zUSA3g==/kY@cjvMZfFYVpskECVnOgQ==/research.do" target="_blank" class="ke-link"><span data-ke-size="size16">2023</span><span data-ke-size="size16">년 Industry Credit Outlook [</span><span data-ke-size="size16">건설] </span><span data-ke-size="size16">미분양</span><span data-ke-size="size16"> </span><span data-ke-size="size16">위험은</span><span data-ke-size="size16"> </span><span data-ke-size="size16">이제부터</span></a><span data-ke-size="size16"> </span></p><p style="text-align: justify;"><a href="https://www.korearatings.com/download/.Z2pGR1CJNjPSsrVo3OA1A==/kY@cjvMZfFYVpskECVnOgQ==/research.do" target="_blank" class="ke-link"><span data-ke-size="size16">2023</span><span data-ke-size="size16">년 Industry Credit Outlook [</span><span data-ke-size="size16">시멘트/</span><span data-ke-size="size16">레미콘] </span><span data-ke-size="size16">단가</span><span data-ke-size="size16"> </span><span data-ke-size="size16">인상을</span><span data-ke-size="size16"> </span><span data-ke-size="size16">통한</span><span data-ke-size="size16"> </span><span data-ke-size="size16">실적</span><span data-ke-size="size16"> </span><span data-ke-size="size16">방어가</span><span data-ke-size="size16"> </span><span data-ke-size="size16">가능할까?</span></a><span data-ke-size="size16"> </span></p><p style="text-align: justify;"><a href="https://www.korearatings.com/download/q5ZhtIlZIL5yte@QDlIvnQ==/kY@cjvMZfFYVpskECVnOgQ==/research.do" target="_blank" class="ke-link"><span data-ke-size="size16">2023</span><span data-ke-size="size16">년 Industry Credit Outlook [</span><span data-ke-size="size16">철강] </span><span data-ke-size="size16">완연한</span><span data-ke-size="size16"> </span><span data-ke-size="size16">업황</span><span data-ke-size="size16"> </span><span data-ke-size="size16">약세, </span><span data-ke-size="size16">수요회복의</span><span data-ke-size="size16"> </span><span data-ke-size="size16">실마리는?</span></a><span data-ke-size="size16"> </span></p><p style="text-align: justify;"><a href="https://www.korearatings.com/download/2s1JVujGABJEjx@5x85xAA==/kY@cjvMZfFYVpskECVnOgQ==/research.do" target="_blank" class="ke-link"><span data-ke-size="size16">2023</span><span data-ke-size="size16">년 Industry Credit Outlook [</span><span data-ke-size="size16">통신서비스] </span><span data-ke-size="size16">유무선사업</span><span data-ke-size="size16"> </span><span data-ke-size="size16">성장성</span><span data-ke-size="size16"> </span><span data-ke-size="size16">둔화, </span><span data-ke-size="size16">비통신</span><span data-ke-size="size16"> </span><span data-ke-size="size16">사업성과</span><span data-ke-size="size16"> </span><span data-ke-size="size16">가시화</span></a><span data-ke-size="size16"> </span></p><p style="text-align: justify;"><a href="https://www.korearatings.com/download/DA0lRPK4KBY@w1WxuwZqyA==/kY@cjvMZfFYVpskECVnOgQ==/research.do" target="_blank" class="ke-link"><span data-ke-size="size16">2023</span><span data-ke-size="size16">년 Industry Credit Outlook [</span><span data-ke-size="size16">반도체] 2023</span><span data-ke-size="size16">년</span><span data-ke-size="size16"> </span><span data-ke-size="size16">상저하고(</span><span data-ke-size="size16">上低下高)</span><span data-ke-size="size16">예상, </span><span data-ke-size="size16">수요회복이</span><span data-ke-size="size16"> </span><span data-ke-size="size16">관건</span></a><span data-ke-size="size16"> </span></p><p style="text-align: justify;"><a href="https://www.korearatings.com/download/Xpdl42XUWZx@oxStq0elOw==/kY@cjvMZfFYVpskECVnOgQ==/research.do" target="_blank" class="ke-link"><span data-ke-size="size16">2023</span><span data-ke-size="size16">년 Industry Credit Outlook [</span><span data-ke-size="size16">디스플레이] OLED</span><span data-ke-size="size16">시장</span><span data-ke-size="size16"> </span><span data-ke-size="size16">주도권</span><span data-ke-size="size16"> </span><span data-ke-size="size16">유지</span><span data-ke-size="size16"> </span><span data-ke-size="size16">가능할까?</span></a><span data-ke-size="size16"> </span></p><p style="text-align: justify;">[2023년%20Industry%20Credit%20Outlook%20%5b자동차%5d%20공급%20정상화를%20바라보는%20다양한%20시선]<span data-ke-size="size16">2023</span><span data-ke-size="size16">년 Industry Credit Outlook [</span><span data-ke-size="size16">자동차] </span><span data-ke-size="size16">공급</span><span data-ke-size="size16"> </span><span data-ke-size="size16">정상화를</span><span data-ke-size="size16"> </span><span data-ke-size="size16">바라보는</span><span data-ke-size="size16"> </span><span data-ke-size="size16">다양한</span><span data-ke-size="size16"> </span><span data-ke-size="size16">시선</span><span data-ke-size="size16"> </span></p><p style="text-align: justify;"><a href="https://www.korearatings.com/download/AdeFiTi.@7HwvP4bRnlb8A==/kY@cjvMZfFYVpskECVnOgQ==/research.do" target="_blank" class="ke-link"><span data-ke-size="size16">2023</span><span data-ke-size="size16">년 Industry Credit Outlook [</span><span data-ke-size="size16">조선] </span><span data-ke-size="size16">실적</span><span data-ke-size="size16"> </span><span data-ke-size="size16">개선</span><span data-ke-size="size16"> </span><span data-ke-size="size16">여건</span><span data-ke-size="size16"> </span><span data-ke-size="size16">조성, </span><span data-ke-size="size16">리스크</span><span data-ke-size="size16"> </span><span data-ke-size="size16">통제가</span><span data-ke-size="size16"> </span><span data-ke-size="size16">신용</span><span data-ke-size="size16"> </span><span data-ke-size="size16">도방향성의</span><span data-ke-size="size16"> </span><span data-ke-size="size16">가늠자</span></a><span data-ke-size="size16"> </span></p><p style="text-align: justify;"><a href="https://www.korearatings.com/download/fZNIQ@MN2IDtspysv4OpbA==/kY@cjvMZfFYVpskECVnOgQ==/research.do" target="_blank" class="ke-link"><span data-ke-size="size16">2023</span><span data-ke-size="size16">년 Industry Credit Outlook [</span><span data-ke-size="size16">항공] </span><span data-ke-size="size16">정상화로</span><span data-ke-size="size16"> </span><span data-ke-size="size16">가는과도기, </span><span data-ke-size="size16">높은</span><span data-ke-size="size16"> </span><span data-ke-size="size16">변동성에</span><span data-ke-size="size16"> </span><span data-ke-size="size16">대한</span><span data-ke-size="size16"> </span><span data-ke-size="size16">대응력이</span><span data-ke-size="size16"> </span><span data-ke-size="size16">관건</span></a><span data-ke-size="size16"> </span></p><p style="text-align: justify;"><a href="https://www.korearatings.com/download/zB1TqufjwhH1bzTVeCQ7EQ==/kY@cjvMZfFYVpskECVnOgQ==/research.do" target="_blank" class="ke-link"><span data-ke-size="size16">2023</span><span data-ke-size="size16">년 Industry Credit Outlook [</span><span data-ke-size="size16">해운] </span><span data-ke-size="size16">다운사이클에</span><span data-ke-size="size16"> </span><span data-ke-size="size16">진입한</span><span data-ke-size="size16"> </span><span data-ke-size="size16">해운시장, </span><span data-ke-size="size16">신용도</span><span data-ke-size="size16"> </span><span data-ke-size="size16">영향은?</span></a><span data-ke-size="size16"> </span></p><p style="text-align: justify;"><a href="https://www.korearatings.com/download/zMy8zMwPlyJpDLRmQ0Q@ag==/kY@cjvMZfFYVpskECVnOgQ==/research.do" target="_blank" class="ke-link"><span data-ke-size="size16">2023</span><span data-ke-size="size16">년 Industry Credit Outlook [</span><span data-ke-size="size16">소매유통] </span><span data-ke-size="size16">짧았던</span><span data-ke-size="size16"> </span><span data-ke-size="size16">엔데믹</span><span data-ke-size="size16"> </span><span data-ke-size="size16">효과, </span><span data-ke-size="size16">매크로</span><span data-ke-size="size16"> </span><span data-ke-size="size16">이슈로</span><span data-ke-size="size16"> </span><span data-ke-size="size16">인한</span><span data-ke-size="size16"> </span><span data-ke-size="size16">소비</span><span data-ke-size="size16"> </span><span data-ke-size="size16">위축</span><span data-ke-size="size16"> </span><span data-ke-size="size16">전망</span></a><span data-ke-size="size16"> </span></p><p style="text-align: justify;"><a href="https://www.korearatings.com/download/pNyQYfBoKi1UkWcCbfiWaA==/kY@cjvMZfFYVpskECVnOgQ==/research.do" target="_blank" class="ke-link"><span data-ke-size="size16">2023</span><span data-ke-size="size16">년 Industry Credit Outlook [</span><span data-ke-size="size16">제약] </span><span data-ke-size="size16">연구개발투자의</span><span data-ke-size="size16"> </span><span data-ke-size="size16">성과를</span><span data-ke-size="size16"> </span><span data-ke-size="size16">내야할</span><span data-ke-size="size16"> </span><span data-ke-size="size16">때</span></a><span data-ke-size="size16"> </span></p><p style="text-align: justify;"><a href="https://www.korearatings.com/download/f1J@63beMJeJ9xNdyX27Qg==/kY@cjvMZfFYVpskECVnOgQ==/research.do" target="_blank" class="ke-link"><span data-ke-size="size16">2023</span><span data-ke-size="size16">년 Industry Credit Outlook [</span><span data-ke-size="size16">음식료] </span><span data-ke-size="size16">곡물가의</span><span data-ke-size="size16"> </span><span data-ke-size="size16">파고는</span><span data-ke-size="size16"> </span><span data-ke-size="size16">넘었고, </span><span data-ke-size="size16">이제</span><span data-ke-size="size16"> </span><span data-ke-size="size16">불황을</span><span data-ke-size="size16"> </span><span data-ke-size="size16">견뎌야</span><span data-ke-size="size16"> </span><span data-ke-size="size16">할</span><span data-ke-size="size16"> </span><span data-ke-size="size16">차례</span></a><span data-ke-size="size16"> </span></p><p style="text-align: justify;"><a href="https://www.korearatings.com/download/WZ3wlfjCsaY.wIqBWiRaew==/kY@cjvMZfFYVpskECVnOgQ==/research.do" target="_blank" class="ke-link"><span data-ke-size="size16">2023</span><span data-ke-size="size16">년 Industry Credit Outlook [</span><span data-ke-size="size16">제지] </span><span data-ke-size="size16">경기하락에</span><span data-ke-size="size16"> </span><span data-ke-size="size16">대응해</span><span data-ke-size="size16"> </span><span data-ke-size="size16">실적방어</span><span data-ke-size="size16"> </span><span data-ke-size="size16">가능할까?</span></a><span data-ke-size="size16"> </span></p><p style="text-align: justify;"><a href="https://www.korearatings.com/download/7oFsQTDx0aCAF1lzX@lJlA==/kY@cjvMZfFYVpskECVnOgQ==/research.do" target="_blank" class="ke-link"><span data-ke-size="size16">2023</span><span data-ke-size="size16">년 Industry Credit Outlook [</span><span data-ke-size="size16">호텔/</span><span data-ke-size="size16">면세] </span><span data-ke-size="size16">인바운드</span><span data-ke-size="size16"> </span><span data-ke-size="size16">관광객</span><span data-ke-size="size16"> </span><span data-ke-size="size16">정상화</span><span data-ke-size="size16"> </span><span data-ke-size="size16">여부가 Key</span></a><span data-ke-size="size16"> </span></p><p style="text-align: justify;"><a href="https://www.korearatings.com/download/Y6JNbJZTDME6zj@Tu29YIQ==/kY@cjvMZfFYVpskECVnOgQ==/research.do" target="_blank" class="ke-link"><span data-ke-size="size16">2023</span><span data-ke-size="size16">년 Industry Credit Outlook [</span><span data-ke-size="size16">정유] </span><span data-ke-size="size16">정제마진</span><span data-ke-size="size16"> </span><span data-ke-size="size16">방어, </span><span data-ke-size="size16">재무구조</span><span data-ke-size="size16"> </span><span data-ke-size="size16">개선</span><span data-ke-size="size16"> </span><span data-ke-size="size16">여부에주</span><span data-ke-size="size16"> </span><span data-ke-size="size16">목할때</span></a><span data-ke-size="size16"> </span></p><p style="text-align: justify;"><a href="https://www.korearatings.com/download/ytkiLUXnUkh@SsKTALPtfA==/kY@cjvMZfFYVpskECVnOgQ==/research.do" target="_blank" class="ke-link"><span data-ke-size="size16">2023</span><span data-ke-size="size16">년 Industry Credit Outlook [</span><span data-ke-size="size16">석유화학] </span><span data-ke-size="size16">업황</span><span data-ke-size="size16"> </span><span data-ke-size="size16">반등의 Key</span><span data-ke-size="size16">는</span><span data-ke-size="size16"> </span><span data-ke-size="size16">수요회복</span></a><span data-ke-size="size16"> </span></p><p style="text-align: justify;"><a href="https://www.korearatings.com/download/wM4NLEMMTDANU.XhBI5tjQ==/kY@cjvMZfFYVpskECVnOgQ==/research.do" target="_blank" class="ke-link"><span data-ke-size="size16">2023</span><span data-ke-size="size16">년 Industry Credit Outlook [</span><span data-ke-size="size16">민자발전] </span><span data-ke-size="size16">불안한</span><span data-ke-size="size16"> </span><span data-ke-size="size16">호실적, </span><span data-ke-size="size16">변곡점에</span><span data-ke-size="size16"> </span><span data-ke-size="size16">선민자발전</span></a><span data-ke-size="size16"> </span></p><p style="text-align: justify;"><a href="https://www.korearatings.com/download/SHnL7FPVr5o4HaVcvVUkGQ==/kY@cjvMZfFYVpskECVnOgQ==/research.do" target="_blank" class="ke-link"><span data-ke-size="size16">2023</span><span data-ke-size="size16">년 Industry Credit Outlook [</span><span data-ke-size="size16">의류] </span><span data-ke-size="size16">반짝</span><span data-ke-size="size16"> </span><span data-ke-size="size16">회복</span><span data-ke-size="size16"> </span><span data-ke-size="size16">이후</span><span data-ke-size="size16"> </span><span data-ke-size="size16">다시</span><span data-ke-size="size16"> </span><span data-ke-size="size16">먹구름</span></a><span data-ke-size="size16"> </span></p><p style="text-align: justify;"><span data-ke-size="size16"> </span></p><p style="text-align: justify;"><b><span data-ke-size="size16">[2023</span><span data-ke-size="size16">년 Industry Credit Outlook(금융부문)] </span></b></p><p style="text-align: justify;"><a href="https://www.korearatings.com/download/GOpnsyzn0RMlGSxPp3nLHg==/kY@cjvMZfFYVpskECVnOgQ==/research.do" target="_blank" class="ke-link"><span data-ke-size="size16">2023</span><span data-ke-size="size16">년 Industry Credit Outlook [은행] 수익성 방어(feat 자산건전성 관리)가 관건</span></a><span data-ke-size="size16"> </span></p><p style="text-align: justify;"><a href="https://www.korearatings.com/download/p@nQDpVct@XY19KQRTCHJg==/kY@cjvMZfFYVpskECVnOgQ==/research.do" target="_blank" class="ke-link"><span data-ke-size="size16">2023</span><span data-ke-size="size16">년 Industry Credit Outlook [생명보험] 신제도 도입, 금리가 살렸다</span></a><span data-ke-size="size16"> </span></p><p style="text-align: justify;"><a href="https://www.korearatings.com/download/p@nQDpVct@XY19KQRTCHJg==/kY@cjvMZfFYVpskECVnOgQ==/research.do" target="_blank" class="ke-link"><span data-ke-size="size16">2023</span><span data-ke-size="size16">년 Industry Credit Outlook [손해보험] 신제도 도입, 오히려 호재</span></a><span data-ke-size="size16"> </span></p><p style="text-align: justify;">[2023년%20Industry%20Credit%20Outlook%20%5b증권%5d%20업황%20저하와%20부동산PF리스크의%20이중고]<span data-ke-size="size16">2023</span><span data-ke-size="size16">년 Industry Credit Outlook [증권] 업황 저하와 부동산PF리스크의 이중고</span><span data-ke-size="size16"> </span></p><p style="text-align: justify;"><a href="https://www.korearatings.com/download/VaS8H8hmfaC.QN3EVFQInQ==/kY@cjvMZfFYVpskECVnOgQ==/research.do" target="_blank" class="ke-link"><span data-ke-size="size16">2023</span><span data-ke-size="size16">년 Industry Credit Outlook [신용카드] 고금리 환경 하에 자산건전성 관리가 KEY</span></a><span data-ke-size="size16"> </span></p><p style="text-align: justify;"><a href="https://www.korearatings.com/download/WHIGZW2Lp@mZ5KAD4YUMwQ==/kY@cjvMZfFYVpskECVnOgQ==/research.do" target="_blank" class="ke-link"><span data-ke-size="size16">2023</span><span data-ke-size="size16">년 Industry Credit Outlook [할부리스] 부동산PF대출 부실위험, 산일까? 언덕일까?</span></a><span data-ke-size="size16"> </span></p><p style="text-align: justify;"><a href="https://www.korearatings.com/download/UdydwqIFx4tcATy74lGOrA==/kY@cjvMZfFYVpskECVnOgQ==/research.do" target="_blank" class="ke-link"><span data-ke-size="size16">2023</span><span data-ke-size="size16">년 Industry Credit Outlook [부동산신탁] 책준확약 관토신 우발부채 위험 현실화될까?</span></a><span data-ke-size="size16"> </span></p><p style="text-align: justify;"><a href="https://www.korearatings.com/download/eaT9XlTMdn5YkrbCZfdHNA==/kY@cjvMZfFYVpskECVnOgQ==/research.do" target="_blank" class="ke-link"><span data-ke-size="size16">2023</span><span data-ke-size="size16">년 Industry Credit Outlook [저축은행] 암울한 사업환경, 위기 극복 가능할까?</span></a><span data-ke-size="size16"> </span></p><p style="text-align: start;"><span data-ke-size="size14"> </span></p><p style="text-align: start;"><span data-ke-size="size16"> </span></p><p style="text-align: start;"> </p>