우리나라 금융감독체계의 문제점 및 개선방안
The Problems of Current Korean Financial Supervisory System and Suggestion for Financial Supervisory Independence and Accountability
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There is lots of criticism in Korea that our financial supervisory system have been working properly especially, during the 2007-2008 global financial crisis and customers have been successfully protected. This Article analyze recent trends in, and types of, financial supervisory governance in leading countries. The result shows that most of countries have been promptly responding in dealing with the changes of the global financial circumstance. The result also shows that quality of financial supervisory governance plays a decisive role to cope with financial crisis. We also found that the solid independence and accountability arrangements are essential pillars of supervisory governance. The IMF's analysis of the determinants indicates that solid independence and accountability arrangements are essential pillars of supervisory governance. In this paper, we take a closer look at the emerging independence and accountability arrangements for financial supervisors. Besides, along with the issue of reforming present financial supervisory system into efficient one and better financial customer protection, there are clash of opinion which system would be recommendable among present integrated one and so-called twin-peaks one in Korea. This Article also compare merit and demerits of the two systems. The paper is structured as follows: Section Ⅱ research into major countries reforming examples of financial supervisory system which is some background to the research presented in this paper; Section Ⅲ discusses the problems of current Korean financial supervisory system and supervisory independence and accountability of supervisors; Section Ⅳ suggests the desirable financial supervisory system in Korea, as well as suggestions for further research.
Abstract
There is lots of criticism in Korea that our financial supervisory system have been working properly especially, during the 2007-2008 global financial crisis and customers have been successfully protected. This Article analyze recent trends in, and types of, financial supervisory governance in leading countries. The result shows that most of countries have been promptly responding in dealing with the changes of the global financial circumstance. The result also shows that quality of financial supervisory governance plays a decisive role to cope with financial crisis. We also found that the solid independence and accountability arrangements are essential pillars of supervisory governance. The IMF's analysis of the determinants indicates that solid independence and accountability arrangements are essential pillars of supervisory governance. In this paper, we take a closer look at the emerging independence and accountability arrangements for financial supervisors. Besides, along with the issue of reforming present financial supervisory system into efficient one and better financial customer protection, there are clash of opinion which system would be recommendable among present integrated one and so-called twin-peaks one in Korea. This Article also compare merit and demerits of the two systems. The paper is structured as follows: Section Ⅱ research into major countries reforming examples of financial supervisory system which is some background to the research presented in this paper; Section Ⅲ discusses the problems of current Korean financial supervisory system and supervisory independence and accountability of supervisors; Section Ⅳ suggests the desirable financial supervisory system in Korea, as well as suggestions for further research.
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