금융감독 관련 규제관용 개선방안 - 금융감독기구의 독립성과 책임성 제고방안을 중심으로 -

Financial Institutions’ insolvency-related improvement system does not seem to have gained sufficient trust from the general public of our society as regulatory forbearance by regulators continue from the Savings Bank crisis to the recent Asset Management Company controversy. This study aimed to examine the cases of regulatory forbearance for insolvent Financial Institutions, classify the causes of regulatory forbearance, and suggest ways to improve the corresponding financial supervisory system. As a result, Financial authorities’ independence needed to be strengthened so that their financial supervisory functions were not affected by financial policies, and financial authorities' responsibility for performing supervisory work needed to be further enhanced. After examining the recent legislative discussions, this study suggest ways to increase the number of non-standing members of the Financial Services Commission to strengthen the independence of financial supervisory by reorganizing major organizations. Second, the Enforcement Decree of the Mutual Savings Bank Act, which is not based on the law, should be amended to clarify where the liability about insolvency. Lastly, this study suggests that the government should expand the operation of special judicial police belonging to the Financial Services Commission and that if the Financial Services Commission requests investments in insolvent financial institutions to the government, it should strengthen accountability by introducing a report system to legislature.