새로운 신용정보 공유체계 모델로서의 한국 사례 분석
A New Model of Credit Information Sharing System : The Experience of Korea
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초록
신용정보 공유체계는 신용정보가 생산⋅유통⋅활용되는 시스템으로서 경제성장을 촉진하는 주요한 금융 통로의 하나이다. 신용정보 공유체계의 핵심은 신용정보의 공유 업무를 담당하는 기관인 신용정보집중기관(credit registry, CR)과 신용정보조회업자(credit bureau, CB)인데 이들과 관련한 세계 각국의 사례를 살펴보면 각국의 금융산업, 제도, 사회, 문화 등의 차이에 따라 다양한 모델이 공존한다. 한국의 경우 CR과 CB가 공존하고 있으며 이들 사이에 신용정보가 공유되는 독특한 시스템을 가지고 있다. 한국의 모델은 CB가 자생적으로 발전하는 데 시간이 오래 걸릴 수 있으므로 개도국에서 유력한 고려 대상이 될 수 있다. 또한 CR의 정보가 CB에 제공되는 경우 CB시장 및 나아가 대출시장의 진입장벽이 낮아지는 경쟁정책적 효과도 있다. 이 연구는 한국의 신용정보 공유체계 발전 사례를 분석하는 한편 향후 발전 방향을 제시한다.
Abstract
Credit information sharing system is the set of laws and institutions that enables efficient and effective access to credit information of clients of financial institutions. Credit registries (CR) and credit bureaus (CB) are the main players of the credit information systems. They enable financial institutions to access to complete, accurate, and reliable information on potential borrowers, contributing to the growth of credit-based economy. Countries over the world have various models for the credit information sharing system, and there is no one correct answer. Korea started with only a CR, but today it has both a CR and two CBs. Since it can take a very long time for CBs to emerge in the market, the Korean experience of establishing CR and allowing information sharing between the CR and CBs can be a good example for developing countries. Another merit of the Korean credit information system is that it guarantees fair competition among private information providers. This paper examines the historical development of the Korean credit information system and suggests future policy tasks.
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