인터넷전문은행의 업무범위에 관한 연구

Abstract

As the consumer’s sensitivity on interest rate is increased in low interest rate trend with the developments of ICT, IT and FinTech, and popularization of Internet introduction, the demand for Internet Primary Bank which provides the specialized services is increasing. In Korea, Financial Services Commission suggested the foundation of Internet Primary Bank as one of ‘Financial Regulatory Reform task proposals’ in July, 2013. Recently in 2015, as the head of Financial Services Commission and each monetary authorities etc said they would review deregulation possibilities for the introduction of Internet Primary Bank as amid-to-long- term project, the domestic interest level has been increased. Finance Services Committee tries to apply the same regulatory standards of the business practices with the commercial banks on the business scope of Internet Primary Bank since they are able to run the business in the same scope. As Internet Primary Bank has the feature of non-face-to-face business, there is an opinion to ban the important tasks which must require face-to- face practices. Also, there is an opinion to allow them to practice the same tasks with other commercial banks and to control them upon identifying each characteristic during the processes of review and authorization, rather than strictly limiting the business. Looking into the pros and cons regarding the limitations of business scopes for Internet Primary Bank, it seems to make consensus somewhat to limit them within the necessary scopes only upon reviewing during the authorization process, rather than limiting the scopes strictly under the legal boundary. Some major foreign countries such as the US, Japan, and Europe regulate the business scope of Internet Primary Bank with the same levels of commercial banks, however, they decide the business models or approve them under the conditions of keeping specific businesses considering the specialty, capital, and commercialization possibilities of the mother companies during the authorization process. In the article, I would like to suggest the legal proposals including Banking Law amendments so as to establish the proper business scope in our environment after reviewing the current systems on the business scope of the banks in Korea and the cases of the foreign Internet Primary Banks, based on discussion related to the business scope of Internet Primary Banks.