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커뮤니티
연구자들이 자신의 연구와 전문성을 널리 알리고, 새로운 협력의 기회를 만들 수 있는 네트워킹 공간이에요.
초록· 키워드
오류제보하기
Under the American dual banking system, regulation and supervision mechanism seems to be complex, excessive, duplicative, and inefficient. The dual banking system, however, has been established in response to need of the American economic society and as a result of development of depository institutions. Therefore, the dual banking system needs to be understood in view of the American history.
Depository institutions are defined as commercial banks and thrift institutions including savings banks, savings and loan associations. Under the dual banking system, state-chartered banks are regulated and supervised by the state government. On the contrary, national-chartered banks are regulated and supervised by the federal government.
Recently, together with the repeal of the Banking Act of 1933(Glass-Steagall Act), the Gramm-Leach-Bliley Act of 1999 was enacted to strengthen financial institutions under the global financial market. Under this Act, a financial holding company can be formed. The financial holding company is regulated and supervised by the Federal Reserve Board.
The Korean banking system is unlike the American dual banking system. The regulation and supervision mechanism, however, is similar to that of America. The reason is that a great deal of legislation followed the example of the US banking laws as the Korean government has reformed the financial sector. For example, there are CAMELS, PCA, deposit insurance system, and so on.
Even if the Korean government has actively reformed the financial sector after the financial crisis of 1997, the directed lending practices as a ruinous cause of failure of financial institutions seem to be still remained in Korea.
First of all, prudential regulation and proper supervision of an appropriate banking authority will prevent the failure of financial institutions. Second, the establishment of good corporate governance structure will contribute to preventing fraud or mismanagement of financial institutions. In addition, the banking authority should make a financial institution establish its internal control system. Third, the banking regulator should reinforce market discipline. Fourth, the banking regulator should design regulatory environment, so that banking customers may monitor financial institutions. Lastly, the Korean banking authority needs to consider introduction of informal supervisory actions and civil money penalty in America.
Depository institutions are defined as commercial banks and thrift institutions including savings banks, savings and loan associations. Under the dual banking system, state-chartered banks are regulated and supervised by the state government. On the contrary, national-chartered banks are regulated and supervised by the federal government.
Recently, together with the repeal of the Banking Act of 1933(Glass-Steagall Act), the Gramm-Leach-Bliley Act of 1999 was enacted to strengthen financial institutions under the global financial market. Under this Act, a financial holding company can be formed. The financial holding company is regulated and supervised by the Federal Reserve Board.
The Korean banking system is unlike the American dual banking system. The regulation and supervision mechanism, however, is similar to that of America. The reason is that a great deal of legislation followed the example of the US banking laws as the Korean government has reformed the financial sector. For example, there are CAMELS, PCA, deposit insurance system, and so on.
Even if the Korean government has actively reformed the financial sector after the financial crisis of 1997, the directed lending practices as a ruinous cause of failure of financial institutions seem to be still remained in Korea.
First of all, prudential regulation and proper supervision of an appropriate banking authority will prevent the failure of financial institutions. Second, the establishment of good corporate governance structure will contribute to preventing fraud or mismanagement of financial institutions. In addition, the banking authority should make a financial institution establish its internal control system. Third, the banking regulator should reinforce market discipline. Fourth, the banking regulator should design regulatory environment, so that banking customers may monitor financial institutions. Lastly, the Korean banking authority needs to consider introduction of informal supervisory actions and civil money penalty in America.
목차
1. 서론
2. 예금금융기관과 금융감독기관의 개관
3. 금융감독과정과 제재수단
4. 결론
참고문헌
Abstract
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UCI(KEPA) : I410-ECN-0101-2009-366-013796472