미국의 전자금융 및 금융보안의 법제도․정책 현황과 시사점

American electronic finance systems differ from those in Japan and Europe. Financial institutions in the U.S co-exist with fintech and try to utilize the technological innovation developed by fintech start-ups. The U.S aims to provide a safe electronic finance system to customers and faces challenges in cyber security at the same time. The U.S. implements self-regulation through FINRA (Financial Industry Regulatory Authority) and plays a significant role in investigating and analysing countermeasures developed by financial institutions, suggesting incident response methods, and sharing counter- measure technologies. Also, the U.S tries to improve the framework of regulations according to the changing organizational status of cyber security organizations. In accordance with changes in the financial environment, the U.S attempts to improve the regulation framework and encourages innovation and competition for better technology. Furthermore, it copes with issues regarding desired usage and conflict resolution. Korea should aim to strengthen the competitiveness of the finance industry for the sake of the governance of finance security and the protection of financial consumers. For this, institutional support should be utilised to motivate continuous monitoring and establish regulations and guidelines which financial market players can voluntarily comply with.