콘텐츠 바로가기
로그인
컨텐츠

Category Open

Resources

tutorial

Collection of research papers and materials on development issues

home

Resources
Economy Financial Policy
Industry and Technology IT

Print

최근 전자금융의 발전과 주요 이슈(Recent development of electronic finance and major issues for further development)

Related Document
Frame of Image 장에서는 탐색 비용(search cost)과 거래비용(transaction cost)이 크게 감소함으로써 규모와 범위의 경제(economies of scale & scope)를 실현하고 금융회사의 대형화 및 겸업화를 통해 다양한 형태의 금융서비스를 제공할 수 있게 되었다. 그러나 전자금융의 발전으로 금융서비스의 전자통신기술에 대한 의존도가 크게 높아짐으로써 운영위험(operational risk) 등 각종 위험이 크게 증가하고 있다. 또한 금융서비스에 응용되고 있는 유․무선 통신네트워크가 지닌 개방 형 특성으로 인해 제3자에 의한 해킹 등 금융사고의 가능성도 크게 증가하고 있다. 특히 전자금융은 기본적으로 非서면성과 非대면성에 기초하기 때문에 금융사고의 잠재적 가능성을 완전히 배제하는 것이 사실상 어렵다는 것이 문 제점으로 지적된다.
최근 제정된 전자금융거래법은 전자금융서비스를 제공할 수 있는 자의 적 격기준을 제시하고, 전자금융사고가 발생하는 경우 그 책임에 대한 원칙을 결정함으로써 전자금융을 보다 활성화하는 데 크게 기여할 것으로 보인다. 그러나 전자금융의 더 큰 발전을 위해서는 앞으로도 더욱 논의하고 개선해 야 할 점들이 남아 있다. 특히 운영위험의 적절한 관리, 해킹 등 제3자의 접근 에 의한 금융사고 예방, 非서면성과 非대면성에 따른 금융거래에 있어서 도 덕적 해이의 감소, 그리고 비은행금융회사와 비금융회사의 지급서비스 참여 에 따른 안전성의 저해 가능성 증가에 대한 대응방안 마련 등이 향후 관심을 기울여야 하는 주요 과제라고 할 수 있다. 본고는 금융서비스의 전자통신기술에 대한 의존도가 더욱 커지고 있으며 금융서비스의 전자화 진행속도가 더욱 빨라지고 있음을 실증분석을 통해 보 이고자 한다. 또한 전자금융의 더 큰 발전을 위하여 위에서 지적한 문제점들 그리고 힘써 노력해야 할 과제들을 정리하고 해결방안을 모색해 보는 것을 목적으로 하고 있다. 이 보고서는 금융연구원의 김자봉 박사에 의해 집필되었으며, 집필과정에 서 유익한 코멘트를 제공한 논평자와 원내세미나 참여자에게 이 자리를 빌어 감사의 말씀을 드린다. 특히 집필과정에서 남다른 수고를 아끼지 않은 이종 수 연구원과 박윤선 연구비서의 노고를 치하한다. 끝으로 본 보고서는 집필 자 개인의 의견이며, 본 연구원의 공식견해가 아님을 밝혀 둔다.
2006년 6월 한국금융연구원 원장 최 흥 식
목
요약
차
Ⅰ. 서 론 ····································································································· 1 Ⅱ. 최근 전자금융의 발전 ··········································································· 5 1. 은행서비스의 전자화 확대 현상 ······················································· 5 2. 은행 지급서비스의 전자화 확대현상에 대한 실증분석 ·················


Full Text
Title 최근 전자금융의 발전과 주요 이슈(Recent development of electronic finance and major issues for further development)
Similar Titles
Material Type Reports
Author(Korean)

김자봉

Publisher

서울:한국금융연구원

Date 2006-06
Series Title; No 금융조사보고서 / 2006-06
ISBN 89-503-0337-X 93320
Pages 120
Subject Country South Korea(Asia and Pacific)
Language Korean
File Type Documents
Original Format pdf
Subject Economy < Financial Policy
Industry and Technology < IT
Holding 한국금융연구원; KDI 국제정책대학원

Abstract

In Korea, the development of electronic finance(e-finance, hereafter) is unique phenomenon depending on fast development of information technology. The e-finance has reshaped financial services in their contents as well as diversities.
Recently most of payments services are electronically processed using paperless instruments. Banks are adopting electronic technology most actively among financial institutions. Of course, security companies and insurance compa- nies are also applying the technology to serve paperless stock trading and insurance applications. However, the scope of services that banks try to apply the new technology is much more widespread than other institutions.

The e-finance has been recognized to improve the efficiency of financial services by decreasing the search and transaction costs finally resulting in the decrease of prices of financial services and economies of scope and scale. However, on the other hand, e-finance has also contributed in increasing the unsafety of financial services because of its paperless and faceless properties. Since the properties create asymmetric information problems, moral hazard seems to be inevitable in some sense.

Recently enacted 「Electronic Financial Services Act」on April 6, 2006 is intended to stipulate the eligibility of participants into e-finance services and to suggest a rule of liability for financial accidents in e-finance. It is obviously believed that the act will contribute to enhance the safety of the e-finance. However, we need to remember that since strict liability rule is adopted for individual users, the rule may create some incentive to moral hazard problem of individuals. Altogether, even though the act sets a rule of liability, it does not stipulate legal standard of care of precaution that should be properly kept by e-finance services providers. These moral hazard problem and legal standard of care must be taken into considerations for further development of safety of the e-finance.

The one that we should point out lastly is that e-finance is heavily dependent on non-financial institutions that hold information technologies. As a result, those non-financial institutions are trying to provide their own e-finance services as well as to technically support financial institutions. This participations of non-financial institutions are regarded as a potential factor to create additional unsafety problem in e-finance.

It is readily noticed that e-finance has been contributing the development of financial services and creating huge utility for both e-finance service demanders and providers. However, it should be also noted that to achieve further deve- lopment of e-finance, moral hazard and legal standard of good care as well as additional safety problem created by non-financial institutions should be appro- priately handled.