금융안정을 위한 예금보험기구의 역할에 관한 연구
Improvements for the Role of the Korea Deposit Insurance Corporation in Relation to Financial Stability in Korea
고동원(성균관대학교); 노태석(성균관대학교)
11권 1호, 99~147쪽
초록
2008년 세계적(global) 금융위기를 겪으면서 금융감독 업무를 수행하는 금융감독기구만으로는금융위기 시에 금융안정의 역할을 효율적으로 추진할 수 없다는 한계가 지적되면서 중앙은행과예금보험기구의 금융안정 역할을 제고시켜야 한다는 주장이 제기되고 있다. 이에 이 글은 금융안정을 위한 우리나라 예금보험기구의 역할을 어떻게 재정립해야 하는가에 초점을 맞추어 그 개선방안을 제시하고자 함에 있다. 첫째, 예금보험공사는 사전적 자금 지원을 통한 선제적 금융안정의역할을 수행할 필요가 있으며, 따라서 현재 한국정책금융공사가 하고 있는 ‘금융안정기금’의 관리·운용 업무를 예금보험공사가 수행하는 것이 바람직하다고 본다. 둘째, 예금보험공사의 부보금융기관에 대한 정보 접근성이 확대되어야 하며, 이를 위해 제한적인 직접 조사권 허용 등 부보금융기관의 제출 자료에 대한 조사·확인권을 확대할 필요가 있다. 셋째, 금융감독원·한국은행등 금융안정기구 간의 금융정보 공유 활성화를 위해 ‘금융정보공유협의회(가칭)’를 법적 기구로 설치할 필요가 있다. 넷째, 예금보험공사가 금융감독당국이 행사하는 적기시정조치(PCA)권에 대한견제 역할을 할 필요가 있으며, 이를 위해 금융감독당국에 대한 적기시정조치 요구권 내지는 제한적인 경우에 있어서의 직접적인 적기시정조치권을 예금보험공사에 허용할 필요가 있다고 본다.
Abstract
The global financial crisis in 2008 shed a new light on the roles of institutions or agencies in charge of maintaining financial stability, such as a central bank, a deposit insurance agency and a financial regulatory authority, and their importance has also been emphasized. In line with this global trend, Korea has had lively discussions of such matters as well. This paper seeks to make suggestions on how to improve the role of the Korea Deposit Insurance Corporation (“KDIC”) with respect to financial stability, based on an analysis of its current role in this respect and some of its problems. The suggestions are as follows: First, the KDIC should take charge of administering and managing the “Financial Stability Fund,” currently operated by the Korea Policy Finance Corporation, since it would be much more efficient for the KDIC to extend its funds to financial institutions prior to their insolvency or defaults, using such Fund. Second, in order for the KDIC to acquire much more information about insured financial institutions to protect the deposit insurance fund, on-site inspections on those institutions should be allowed in certain situations, e. g., when there is a need to confirm reported information or the inspections need to be conducted on insured financial institutions that are insolvent or in danger of defaulting. Third, the “Financial Information Sharing Council”should be statutorily established to promote a more efficient information sharing among financial safety net institutions, such as a central bank and a financial regulator, since the current memorandum of understanding (“MOU”) system is not efficient in that the MOU is not legally binding on the involved agencies. Fourth, the KDIC should be involved in a limited way in the process of enforcing measures of prompt corrective correction (“PCA”) currently taken by the financial supervisory authority: for example, the KDIC should be permitted to request the financial regulator to take the PCA if the KDIC deems it necessary based on the information it has acquired; or alternatively, the KDIC should be allowed to take the PCA directly only against insolvent or defaulted financial institutions.
- 발행기관:
- 예금보험공사
- 분류:
- 경제학