학술논문
최근의 은행위기 발생원인과 당국의 대응
이용수 24
- 영문명
- Causes of Recent Banking Crisis in Korea and Measures to Restructure the Banking System
- 발행기관
- 한국경제연구원
- 저자명
- 안종길(Jong-Kil An)
- 간행물 정보
- 『한국경제연구원 연구보고서』연구보고서 (2000), 13~160쪽, 전체 162쪽
- 주제분류
- 경제경영 > 경제학
- 파일형태
- 발행일자
- 2000.04.01
22,240원
구매일시로부터 72시간 이내에 다운로드 가능합니다.
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국문 초록
영문 초록
This paper is to review various aspects of the recent banking crisis in Korea and then to identify possible causes of the crisis based on the results of existing literature. It also intends to evaluate the measures the government has taken so far to resolve the crisis in the following senses; reduction of uncertainty in the financial market, reactivation of financial intermediation function, and improvement of banks' operational efficiency.
The paper shows that recent crisis is mainly attributable to imprudent extension of loans to large enterprises and increases in the volume of short-term liabilities denominated in foreign currency without due consideration of market risks involved in the midst of financial liberalization. Weak internal as well as external governance structure of banks, ill preparation for financial deregulation by the authorities, and various institutional factors also contributed to the crisis.
The government's measures to improve the soundness of banks mainly through purchases of bad loans by KAMCO and capital injection seem to have helped strengthen the banks' solvency to a certain extent. Resolution of five commercial banks and nationalization of two large city banks sent a strong signal to the market that banks can fail, thereby strengthening market discipline. Still, on-going corporate restructuring process and further strengthening of asset classification standards may expand the volume of banks' non-perfonning loans, and increasing competition among financial institutions will be expected to aggravate bank profitability. Moreover, banks' operational efficiency is far from the level warranting the international competitiveness. The board of directors on the internal side and the securities market on the external side are not in a position to properly monitor the bank management. More seriously, the supervisory authority's ability to regulate banks prudently has not improved much yet.
In order to put banks back in the right track, the authorities should make continuous efforts to correct various institutional weaknesses and improve prudential regulation skills. Introductions of international best practices in the every aspects of banking operation will ultimately help banks gain the competitiveness. In addition, banks also have to improve loan review and risk management systems, revise management strategies to strengthen their core competence, intensify strategic alliances, and reform the organizational structure for better profitability.
목차
제1장 서언
제2장 최근의 은행산업 위기의 내용
제3장 최근의 은행위기의 발생원인
제4장 당국의 부실화은행 처리에 대한 평가
제5장 요약 및 결어
참고문헌
ABSTRACT
키워드
해당간행물 수록 논문
- Korean Currency Crisis and Over-Investment in the Perspective of Long-Run Equilibrium[연구보고서2000-09]
- 정부조달과 반부패 : 정부조달에서의 담합 및 부패 사례와 실험경제학적 검증을 중심으로[연구보고서2000-14]
- 경제위기와 노동시장[연구보고서2000-11]
- 자산유동화
- Korean Chaebol in Transition : Road Ahead and Agenda
- 산업정책의 한계와 경쟁정책의 역할 -빅딜업종을 중심으로-[연구보고서2000-05]
- 한국기업의 투자행태 -주거래은행과 소유구조의 영향분석-[연구보고서2000-15]
- 기업집단의 부실화 원인과 부도예측모형 분석[연구보고서2000-10]
- 우리나라 은행 자본규제의 유효성
- 한국주식시장에 합리적 거품이 존재하는가-이론과 실증분석-
- 선진국 사회적 합의주의의 특성과 시사점[연구보고서2000-08]
- 최근의 은행위기 발생원인과 당국의 대응
- 한국의 기업퇴출제도
- 새 천년을 향한 한국경제의 발전전략[연구보고서2000-12]
참고문헌
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