신용협동조합의 예금보험제도 개선방안
Rethinking the Deposit Insurance System for Credit Cooperatives in Korea
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초록
Even though the community banks such as agricultural, fishery and forestry credit cooperatives, Saemaul mutual banks and credit unions are losing their grounds as credit cooperatives per se, their role as credit providers to the credit deficient people remains to be important. Sound and strong community banks requires the advanced regulatory and incentive compatible deposit insurance systems. Adequate size of insurance fund is prerequisite for the credible deposit insurance system and introduction of 'target fund' system should be considered where the insurance premium is levied to reach the optimal target level of the fund. Separate deposit insurance funds operating for the different sector of community banks should be unified into a public fund leveling the playing field for the community banks and enhance the credibility of the deposit insurance system. Unified fund should be further considered to be integrated into the existing public deposit insurance system, KDIC which would facilitate the economies of scale in the fund management. Different degree of examination and regulation power of public regulatory body over different sectors of community banks should be equalized to the similar level. Resolution methods of failing banks should be diversified and the responsible management system should be established.
Abstract
Even though the community banks such as agricultural, fishery and forestry credit cooperatives, Saemaul mutual banks and credit unions are losing their grounds as credit cooperatives per se, their role as credit providers to the credit deficient people remains to be important. Sound and strong community banks requires the advanced regulatory and incentive compatible deposit insurance systems. Adequate size of insurance fund is prerequisite for the credible deposit insurance system and introduction of 'target fund' system should be considered where the insurance premium is levied to reach the optimal target level of the fund. Separate deposit insurance funds operating for the different sector of community banks should be unified into a public fund leveling the playing field for the community banks and enhance the credibility of the deposit insurance system. Unified fund should be further considered to be integrated into the existing public deposit insurance system, KDIC which would facilitate the economies of scale in the fund management. Different degree of examination and regulation power of public regulatory body over different sectors of community banks should be equalized to the similar level. Resolution methods of failing banks should be diversified and the responsible management system should be established.
참고문헌 (29)
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