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금융감독시스템과 금융소비자 보호 : 해외 금융감독시스템 개편동향과 시사점 / 안수현 1

《목차》 1

I. 서론 2

II. 최적의 금융감독시스템 구축:고려사항과 기본요소 5

1. 최적의 금융감독시스템 설계시 고려사항 6

2. 최적의 금융감독시스템의 기본 요소 10

III. 금융감독시스템 개편논의의 부상배경과 금융감독시스템의 유형 13

1. 최근 금융감독시스템 개편 논의의 부상 배경 13

2. 금융감독시스템의 유형 16

IV. 최근 각국의 금융감독시스템 개편 동향 23

1. 북미권역 23

2. EU권역 29

3. 아시아권역 42

V. 결론에 갈음하여: 금융감독시스템 개선을 위한 정책적 고려 및 검토과제 45

1. "목적중심의 규제" 검토와 전략적 접근 45

2. 규제감독 실효성의 전제 요소 충족과 과제 46

3. 규제감독기관간 견제와 균형 확보 및 제도화 47

참고문헌 48

〈Abstract〉 52

초록보기

Recently, the debate over fixing the fragmented financial services regulatory structures abroad is raising questions about merits of having singular regulator in Korea. Regulatory structure is important to promote robust financial consumer protection and the problem has become more acute in recent days. There are many factors that influence the financial consumer regulatory performance, which are interlinked such as independency, accountability, transparency, effectiveness, expertness, competency etc. However, issues as like what gets regulated in the financial industry, how it gets regulated, when it gets regulated and by whom are primarily regulatory turf issues and seem to be very controversial. This paper argues that although regulatory agency structure is very important and a key to have the competitiveness of a financial market, concerning the current situations faced in Korea, the most important thing is to balance and resolve the conflicting regulatory purposes within the single financial regulator. Our current financial regulatory organization has multiple goals that sometimes have conflicting policy implications to the regulatory agency. Alternatively, the goals may be assigned to more competing agency. That is said to take twin peaks models. To evaluate the effectiveness and performance of current financial regulatory system in Korea, considering and recognizing new movements of international regulatory structures reforms is necessary and of importance. This paper tries to find optimal financial regulatory structures and how to accomplish those system. To this purpose, the first section explains what is optimal financial regulatory structure and how to establish it. The second section analyzes the background and reasons of recent reforming regulatory structures in foreign countries. This section also compares the types of financial regulatory system models in details. The third section describes briefly the foreign countries' experience and each government's plan to fix fragmented financial regulatory systems. To summarize, this paper intends to analyzes the recent international regulatory reforms and aims to evaluate the debate over regulatory agency structures and performance.

권호기사

권호기사 목록 테이블로 기사명, 저자명, 페이지, 원문, 기사목차 순으로 되어있습니다.
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금융회사의 조직규제 :금융회사 지배구조의 금융규제법상 의미를 중심으로 정순섭 pp.3-47

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상사거래에서의 신의칙법리의 체계 김영호 pp.51-92

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의결권 신탁과 의결권행사 계약의 비교법적 고찰 尹聖升 pp.149-180

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美國 判例法上 保險契約 解釋原理로서의 合理的 期待의 原則 김문재 pp.181-224

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로테르담 규칙에 있어서 운송물처분권에 관한 법적 쟁점 양석완 pp.307-343

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파생금융상품 거래시 고객에 대한 설명·조언의무 :독일 연방대법원 판결(BGH, Urt. v. 22. 3. 2011 - XI ZR 33/10)을 중심으로 신현윤 pp.411-447

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금융감독시스템과 금융소비자 보호 :해외 금융감독시스템 개편동향과 시사점 안수현 pp.449-502

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금융투자업자의 투자권유의 공정성규제 :영국의 금융판촉규제 현황과 동향을 중심으로 김두진 pp.503-562

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간접보유증권의 준거법결정 윤남순 pp.563-606

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참고문헌 (37건) : 자료제공( 네이버학술정보 )

참고문헌 목록에 대한 테이블로 번호, 참고문헌, 국회도서관 소장유무로 구성되어 있습니다.
번호 참고문헌 국회도서관 소장유무
1 김영도·이상제, “원칙중심감독 도입방안”, 한국금융연구원, (2008) 미소장
2 금융규제체계상 자율규제의 지위와 역할 소장
3 안수현, “법·제도·집행·분쟁 측면에서 본 금융소비자보호체제와 평가”, 금융소비자학회 창립기념세미나 자료집, (2010.5.7). 미소장
4 원승연, “금융소비자보호와 금융감독체계”, 한국금융소비자학회 춘계정책심포지엄-2011 금융소비자 보호 및 G20의 과제, 한국금융소비자학회 (2011.6.9) 미소장
5 Financial Regulatory Reform after the Global Financial Crisis : Overseas Case and their Implication 소장
6 Articles : Principles-based Regulation in Financial Markets 소장
7 Financial Regulatory Reform and Consumer Financial Protection 소장
8 함준호·김병덕, “금융규제 감독체계의 개선방향”, 한국금융학회 금융정책 심포지엄 발표자료 (2009. 5. 29) 미소장
9 Issues in the Unification of Financial Sector Supervision 네이버 미소장
10 Adriane Fresh, Martin Neil Baily, What does international Experience tell Us about regulatory Consolidation?, PEW, Briefing Paper #6. 미소장
11 Christos Hadjiemmanuil, Institutional Structure of Financial Regulation: A Trend towards 'Megaregulaors'?, 5 Y. B. Int's Fin. & Econ. L. 127 (2000-2001). 미소장
12 Davies, H., Integrated Financial Supervision in the United Kingdom and Lessons for Others, in Aligning Financial Supervision with Country Need, J. Carmichael, A. E. Fleming, D. T. Llewellyn, Eds, World Bank Institute. 미소장
13 Eric J. Pan, Structural Reform of Financial Regulation: The Case of Canada, Benjamin N. Cardozo School of Law Jacob Burns Institute for Advanced Legal Studies, Working Paper No. 250, (2009.1). 미소장
14 Giorgio Di Giorgio, Carmine Di Noia, Financial Regulation and Supervision in the Euro Area: A Four-Peak Proposal, preliminary version, Wharton Financial Institutions Center, (Jan. 2001). 미소장
15 Goodhart, C.A.E., P. Hartmann, D. Llewellyb, L. Rojas, Suarz, and S. Weisbrod, The Institutional Structure of Financial Regulation in Financial Regulation, Why, How and Where Now?, Routledge Publication, London and New York. (1998). 미소장
16 Goodhart, C.A.E and D. Schoenmaker, Institutional Seperation between Supervisory and Monetary Agencies, LSE Financial Markets Group Special Paper No. 52. 미소장
17 Jennifer Hughes, FSA admits Failings over Northern Rock, Fin. Times, (Mar. 26, 2008). 미소장
18 Julia Black/Martyn Hopper/Christa Band, Making a Success of Principles-based Regulation, 1 Law and Financial Markets Review 191, (2007). 미소장
19 Jeffrey Carmichael AO, Regulation by Objective- The Australian Approach to Regulation, Statement to the US Senate Committee on State Homeland Security and Governmental Affairs, Promontory Financial Group. (2009). 미소장
20 Michael Taylor, Twin Peaks: A Regulatory Structure for the New Century, Centre for the Study of financial Innovation Working Paper, (1995). 미소장
21 Taylor, M, Peak Practice: How to Reform the UK's Regulatory System, Centre for the Study of Financial Innovation, London, October, (1996) 미소장
22 Peter Pang, Deputy Chief Executive, Hong Kong Monetary Authority, "Managing Capital Flows: the Search for a Framework", Asian Development Bank Institute and Bank for International Settlements Joint Seminar for the Book Lauch.(http://www.info.gov.hk/hkma/eng/speeches /speechs/peter/20110421e.htm). 미소장
23 Stefan Ingves, Is there an optimal Way to Structure Supervision?, Speech at the 4th Summit Meeting of the Islamic Financial Services Board, Dubai, 15 May 2007(http://www.bis.org/review/r070516c.pdf) 미소장
24 Sofía Perez, Jonathan Westrup, Finance and the Macro-economy: The Politiecs of Regulatory Reform in Europe, Center for European Sudies Working paper Series # 156 (2008). 미소장
25 Tetsuya Inoue, Vertical Integration: UKs noval Approach to financial regulatory Reform, vol. 86, 10. August 2010, Nomura Research Institute. 미소장
26 ECB, Recent Developments in Supervisory Structures in EU and Acceding Countries, (October 2006). 미소장
27 ECB, Recent Developments in Supervisory Structures in the EU Member State (2010.10) 미소장
28 GAO, Bank Regulatory Structure: Canada, GGD-95-223. 미소장
29 The Department of the Treasury, Blueprint for a Modernized Financial Regulatory Structure, (March 2008). 미소장
30 The Canadian Bankers Association's Submission to the Expert Panel on Securities Regulation, Enhancing Canadian Competitiveness by Reforming the Way Securities are Regulated in Canada, (2008), (http://www.cba.ca/contents/files/submissions/sub_2008071 5_02_en.pdf) 미소장
31 Memorandum of Understanding between the Bank of England, the Financial Services Authority, and HM Treasury (1997, updated March 22, 2006), available at http://www.hm-treasury.gov.uk/documents/financial_services/regulating_financial_services/fin_rfs_mou.cfm. 미소장
32 FSA, Principles-based regulation: Focusing on the Outcomes that Matter (2007), (http://www.fsa.gov.uk/pubs/other/principles.pdf). 미소장
33 Treasury Committee, The Run on the Rock, 2007-08, H.C. 56-I, at 105(http://www.publicaitons.parliament.uk/pa/cm200708/ cmselect/cmtreasy/56/56i.pdf). 미소장
34 Financial Services Roundtable, The Blueprint for US Financial Competitiveness, (2008). 미소장
35 HM Tresury, A New Approach to Financial Regulation: Building a stronger System,(http://www.hm-treasury.gov.uk/d/ consult_newfinancial_regulation170211.pdf). 미소장
36 HM Tresury, A New Approach to Financial Regulation: Judgement, Focus and Stability, (2010.7) 미소장
37 US Government Accountability Office, Financial Regulation: Industry Trends Continue to Challenge the Federal Regulatory Structure, GAO-08-32, Oct. (2007). 미소장

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