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지급결제기능과 금융시스템의 안정(Payment and settlement systems and the stability of the financial system in Korea)

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Frame of Image 련되어 있다고 보기에는 어려 운 상황이다. 글로벌 금융위기를 계기로 영국 및 미국 등 각국은 지급결제시스템의 안정성 을 강화하는 조치를 취하고 있다. 지급결제 참가자 적격성을 강화하고 지급결제 시스템의 안정성에 영향을 줄 수 있는 위험요인에 대한 미시적 감독 및 거시적 감시 강화방안을 마련하고 있다. 본고는 글로벌 금융위기를 계기로 이루어지고 있는 미국 및 영국 등에서의 지급결제시스템에 대한 제도개선 논의를 검토하는 한편, 국내에서의 지급결제기 능 확대에 따른 여러 이슈를 정리하고 그 개선방안에 대해서 논의하였다. 이러한 논의는 지급결제시스템의 안정성을 보다 강화하고, 더 나아가 금융안정을 실현 하는 데 기여할 수 있을 것으로 기대한다.
본 보고서는 금융시장․제도연구실 김자봉 박사에 의해 작성되었으며 오현희 연구원 및 이지선 연구비서가 많은 노고를 아끼지 않았다. 익명의 두 심사위원과 본 연구원 세미나에 참석한 많은 동료 연구위원들의 논평에 깊은 감사를 드린다. 참고로 본 보고서의 내용은 집필자의 개인 의견이며 연구원의 공식 견해가 아님 을 밝혀둔다.
2010년 12월
한국금융연구원 원장 김 태 준
목
요약
차
Ⅰ. 문제제기 ·································1 ································ ································ Ⅱ. 지급결제기능 확대 ··························· 3 ··························· ·························· Ⅲ. 지급결제시스템 현황과 주요 이슈 ·················· 11 ·················· ·················· 1. 지급결제기능 확대 이후 지급결제서비스 추이와 현황 ····· 11 ····· ····· 2. 주요 이슈 ····························· 21 ····························· ····························· Ⅳ. 해외사례 ································ 25 ································ ······························· 1. 국제결제은행의 지급결제시스템 운영기준 ············25 ··········· ··········· 2. 해외 주요 국가의 은행 중심 지급결제시스템 ·········· 31 ·········· ········· 3. 각국 은행법의 고유업무로서 지급결제에 대한 정의 ······ 40 ······ ····· 4. 금융위기 이후 주요국 지급결제시스템의 변화 ········· 43 ········· ········· 5. 해외사례의 시사점 ························ 46 ························ ························ Ⅴ. 지급결제기능 확대가 금융안정에 미치는 영향 ··········· 48 ····


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Title 지급결제기능과 금융시스템의 안정(Payment and settlement systems and the stability of the financial system in Korea)
Similar Titles
Material Type Reports
Author(Korean)

김자봉

Publisher

서울:한국금융연구원

Date 2010-12
Series Title; No KIF 금융리포트
ISBN 89-503-0461-9 93320
Pages 142
Subject Country South Korea(Asia and Pacific)
Language Korean
File Type Documents
Original Format pdf
Subject Economy < Financial Policy
Holding 한국금융연구원; KDI 국제정책대학원

Abstract

This paper is concerned with financial system stability issues relating to payment and settlement systems, which constitute one of the critical components of the financial system.
The importance of the payment and settlement system has been increasingly acknowledged since non-bank financial investment companies were allowed to participate in it under the Capital Market Act of 2007. A fundamental shortcoming of this decision is that it was determined in the absence of a well established legal framework such as “a law on payment and settlement super- vision and oversight”.
This raises questions as to whether the current risk management framework for the payment and settlement system has been defined and implemented so as to ensure the system's stability and functioning. To make clear its problems and improve its stability, enacting a payment and settlement supervisory legal framework should be seriously discussed. This paper investigates the challenges involved in having investment companies take part in the payment and settlement system, and offers potential policy measures for improving the stability of the system.