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금융업무의 특성과 겸업화 방향(Characteristics of financial businesses and the prospects for universal banking in Korea)

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Frame of Image 를 상실하는 결과를 초 래하게 되었다. 이와 같은 움직임에 대응하여 직접금융을 취급하는 시장중개 기관을 포함하여 2금융권의 주요 금융기관들은 겸업화라는 또 다른 이슈를 제기하기에 이르렀다. 금융의 겸업화는 오랜 이슈로서 각국의 역사적 발전과정과 금융구조 및 금융과 산업의 관계, 그리고 금융관행 등의 요인에 의해 다양한 모습으로 발 전해 왔다. 비록 겸업화는 국가별로 차이가 있지만 시간이 흐르면서 겸업화 가 전 세계적으로 확산된다는 면에서는 공통점을 가지고 있다. 정보․통신기 술의 발달 및 복합금융상품의 등장과 함께 권역간 칸막이가 서서히 약화되 면서 글로벌화의 급격한 진전 및 전 세계적인 규제완화 추세는 기존의 칸막
이식 금융산업의 존재를 어렵게 하고 있다. 이와 같은 세계적인 흐름에 직면 하여 국내 금융산업의 겸업화 모습을 되돌아보고 현재의 상태 및 노출된 문 제점들을 살펴보며 미래의 바람직한 모습을 조망해 보는 일은 중요하다. 이에 본 보고서는 금융겸업화라는 주제를 가지고 여러 금융권역의 고유업 무의 겸영 가능성과 한계에 초점을 맞추어 분석한다. 금융산업에 존재하는 여러 가지 유형의 금융업무들을 나열한 뒤 이들간의 융합 가능성과 한계에 대해 논의하고, 만약 융합을 하고자 한다면 어떠한 차단벽을 설치하는 것이 바람직할 것인가에 대해 분석한다. 이와 같은 접근방식은 제도적인 측면과 금융 본연의 속성에 관한 문제로서 우리가 지금까지 당연한 것으로 여겨 왔 던 사안들을 하나씩 논의의 무대에 올려놓고 곱씹어 보는 일이 될 것이다. 본고는 금융연구원의 손상호 박사에 의해 집필되었으며, 집필과정에서 유 익한 코멘트를 제공한 논평자와 원내세미나 참여자에게 이 자리를 빌어 감 사의 말씀을 드린다. 특히 외국사례 부문의 집필 과정에서 남다른 수고를 아 끼지 않은 신종원 연구원과 정희숙 연구비서의 노고를 치하한다. 본 보고서 의 내용은 집필자 개인의 의견이며, 본 연구원의 공식 견해가 아님을 밝혀 둔다.
2005년 11월 한국금융연구원 원장 최 흥 식
Ⅰ. 서 론 ······································································································· 1
Ⅱ. 금융겸업화 관련 국내제도의 현황 ···················································· 4 1. 국내의 금융겸업화 개요 ···································································· 4 2. 금융기관의 금융업무 구분 ································································ 8
Ⅲ. 주요국의 금융겸업화 추이 및 현황 ················································ 31 1. 미국 ··································································

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Title 금융업무의 특성과 겸업화 방향(Characteristics of financial businesses and the prospects for universal banking in Korea)
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Material Type Reports



서울 : 한국금융연구원

Date 2005-11
Series Title; No 금융조사보고서 / 2005-11
ISBN 89-503-0313-2 93320
Pages 177
Subject Country South Korea(Asia and Pacific)
Language Korean
File Type Documents
Original Format pdf
Subject Economy < Financial Policy
Holding 한국금융연구원; KDI 국제정책대학원


The financial sector in Korea has undergone significant structural change since the financial crisis of 1997. The industry is much more sound as numerous nonviable financial institutions have long since exited the market, and the stronger financial institutions have expanded in size and entered new financial businesses. This vast change was naturally attended by widespread uncertainty, causing investors to shift their assets en masse into banks. Investors considered banks as safe havens as they were at the heart of the large business groups and had completed the restruc- turing process earlier than other financial institutions. Because of this vast shift, banks became awash in deposits and the restructuring of non-financial institutions became delayed, raising uncertainties about the future prospects of the latter.
In response to the competitive threat from banks, non-banking financial institutions, including brokerage and insurance companies, strived to develop new products and services and called for the removal of the restrictions on financial institutions against entering the core businesses of other types of financial institutions, especially those of banks. This led to a new round of debate on the merits of the restrictions on the business lines of specific types of financial institutions. Should a brokerage house be permitted to handle payments and settlements, which have long been recognized as a core business of commercial banks? What problems might occur in the introduction of a narrow banking system? To what extent should insurance companies be permitted to offer bancassurance?
Such questions are very important in the sense that mutual entry into the core businesses of other types of financial institutions would likely have significant ramifications for financial soundness and sustainable growth. This report discusses those financial businesses where there is dire need for improvement, and considers the possibilities and limitations of allowing mutual integration. It analyzes the risk of financial behaviors in the financial sector and draws conclusions on the degree to which a financial institution can engage in both its core business and businesses that have traditionally been the domain of other types of financial institutions. When conflicts of interest occur in mutual integration of some combination of distinctive businesses, it seeks to determine what type of Chinese wall should to be erected. This type of study addresses the institutional aspects of finance and seeks to discover the fundamental properties of financial businesses.