빅블러시대의 합리적 금융규제

• 영문명: Rational Financial Regulations in the Era of Big Blur: Improving Regulation on the Separation of Banking and Commerce in Korea
• 발행기관: 한국무역연구원
• 저자명: 최경규(Gyoung-Gyu Choi) 박계현(Gye-Hyun Park)
• 간행물 정보: 『무역연구』제19권 제6호, 131~144쪽, 전체 14쪽
• 주제분류: 경제경영 > 무역학
• 파일형태: PDF
• 발행일자: 2023.12.31

영문 초록

Purpose - The 4th industrial revolution brings the “Big Blur”, challenging the ‘Principle of Separation of Banking and Commerce’ by blurring distinctions between traditional and non-traditional financial sectors. This paper examines separation regulations and suggests adaptive financial regulations tailored to the challenges posed by the ‘big blur’. Design/Methodology/Approach - We assess existing regulations for financial and non-financial institutions amidst evolving industry and business convergence using theoretical documents, reports, and news articles. Recognizing asymmetries in the application of laws, we propose optimal regulatory schemes to promote innovative financial ventures. Findings - The principle of separation of banking and commerce presents a regulatory dichotomy with ‘over-regulation’ burdening financial firms, and ‘under-regulation’ favoring big tech. Dual convergence is evident as non-financial big techs enter financial sectors, and financial institutions diversify into non-financial activities. This calls for globally cohesive regulatory frameworks for a level playing field. Research Implications - The paper advocates regulatory innovation for the ‘big blur’ era, aiming to establish a level playing field and enabling financial firms to enter non-financial services. The proposal encourages expanding business scope through diversified models supported by negative regulation systems.

목차

Ⅰ. 서론

Ⅱ. 금산분리 규제 관련 논의 및 국가별 현황

Ⅲ. 한국의 금융자본에 대한 금산분리 규제

Ⅳ. 빅블러 시대의 금산분리의 합리적 정책

Ⅴ. 결론

References

키워드

Big Blur Deregulation Platform Business Separation of Banking and Commerce