인터넷전문은행 활성화를 위한 은산분리법제 고찰

Abstract

Korea is expected to launch an Internet Primary bank in January next year, which is attracting attention as an innovative bank model that combines information technology and finance. The Internet Primary Bank attracted much attention as an innovative financial model using Fin-Tech in the process of introduction. However, there is a high concern that the newly launched Internet Primary Bank will not be able to compete in line with the purpose of the introduction due to the policy of segregation of capital, which strictly regulates the entry of industrial capital into the banking industry. In particular, the most problematic issue in enhancing the competitiveness of the Internet Primary Bank is the restriction on the segregation of silver that prohibits the industrial capital from holding more than 4% of the bank's voting stake and more than 10% of the bank's stake. In the Internet Primary Bank, the initial capital is required due to the nature of the banking industry, and the technology of pin-tec and big-data is indispensable. However, the K-bank or cacao bank, which is currently the foundation of Korea's Internet Primary Bank business, is classified as an industrial capital as an information and telecommunications company. It is a situation that can not be limited. Therefore, if the telecommunication companies fail to secure the stable management rights of the Internet primary Bank according to the regulations on the segregation of capital, they can not escape from the original purpose of providing financial services through innovative combination of information and communication technology and finance, It is likely to fall into another form of mutual savings bank. Therefore, in order for Korea's Internet Primary Bank to become a successful and successful financial institution, it is necessary to provide incentives for industrial capital to actively participate in Internet Primary Bank through mitigation of the segregation of seg-ments.