예금자보호제도의 현황과 개선방안에 관한 연구

Abstract

· Research topic: Through this study, reviewing and considering the current depositor protection system, and the problems of the current depositor protection system, its complementary reinforcement and ways to improve it, are suggested. · Research background: Governments around the world as well as Korea are introducing a depositor protection system for the trust of financial institutions and the stability of the financial system. However, since the current depositor protection system is based on first-come, first-served payments, mass withdrawal can occur if the financial system is unstable. In this study, as a means of responding to the instability and negative external effects of the current depositor protection system, the increase in the amount of depositor protection limit and the preliminary depositor protection system were studied. · Differences from prior research: Unlike previous studies, this paper presented a specific amount of the depositor protection limit by presenting an appropriate amount of the depositor protection limit using the current GDP per capita in Korea. Furthermore, it differs from previous studies in that it proposed a preliminary depositor protection system that can compensate for the shortcomings of the current depositor protection system and a plan to reorganize the system around the preliminary depositor protection system. · Research Method: This study analyzed overseas cases to examine the problems of the current depositor protection system and presented supplementary and improvements. In particular, as the need to adjust the limit for depositor protection has been raised due to the recent insolvency of financial institutions, the appropriate value of the limit for depositor protection was presented after reviewing the increase in the limit. In order to prevent the adverse effects of the depositor protection system, it was proposed to reorganize the differential premium rate system, make it mandatory to test stress, and introduce an economic buffer capital system as a way to prevent the adverse effects of the deposit protection system. · Contribution points and expected effects: In the capital market, financial institutions create an environment in which suppliers and consumers of funds can make transactions safely. In other words, financial institutions play a role in alleviating instability in the financial market and supporting the real economy to operate smoothly. However, the financial market is characterized by being very sensitive to market indicators, which also implies various unstable factors. Representatively, excessive distrust in the financial market may cause bank runs in which depositors withdraw large amounts of deposits at once. This financial crisis causes even the real economy to shrink rapidly, causing greater social confusion. This study is expected to help the financial market become more stable due to the increase in the depositor protection limit and the preliminary depositor protection system.