LTV·DTI의 규제거버넌스 고찰

Even though 13 and 10 years have passed respectively since the LTV and DTI regulation, typical macro-prudential policy instrument, was adopted, misalignment between normative goal and practical target of the regulation is being fossilized as the regulation is ruled through micro supervisory code. These existing states retrogress to global trend, which already materializing system reform for financial stability by reorganizing macro-prudential policy operating system. So, this study proposed improvement issue over korea model macro-prudential policy as checking the current regulatory governance on LTV and DTI with having critical mind. For this, requirement of good regulatory governance was extracted through theoretical arguments on regulatory governance, and role model of leading countries and international discussion on macro-prudential policy operating system were examined. According to the analysis, it was verified that current regulatory governance on LTV and DTI is to be poorly equipped to requirement of good regulatory governance and fell short of the global standard in terms of tide and recommendation. After all current regulatory governance needs to be reformed as follows; constructing macro-prudential policy committee based on law and establishing executive office of the committee in bank of korea.