This study was performed to analyze the influence of pollutant loads characteristics on the point and non-point sources in Saemangeum watershed area using Hydrological Simulation Program, Fortran (HSPF). The simulation items were flow, BOD, T-N, and T-P(2007~2010). The pollutant loads trend reflects the precipitation. Specifically, the point source loads were almost constant, but the non-point source loads were influenced in the precipitation. It was found that the effect of non-point source is larger than point source. The water quality had a clear trend by the season. However, pollutant loads did not show distinct seasonal changes. The reason is that the pollutant concentration is diluted by the increased flow at summer season. Therefore, it is important to control the non-point source in order to manage water quality in the region. For the management of Saemangeum lake, it is need to control of supplied pollutant loads from Saemangeum watershed.