은행의 경쟁력 향상을 위한 은행업무 범위의 확대 방안

서지정보

ㆍ발행기관 : 은행법학회 ㆍ수록지정보 : 은행법연구 / 1권 / 1호
ㆍ저자명 : 고동원

목차

Ⅰ. 머리말
Ⅱ. 현행 은행업무 범위의 현황
1. 총 설
2. 은행의 고유업무
3. 은행의 겸영업무
4. 은행의 부수업무
Ⅲ. 은행업무 범위의 확대 방안
1. 총 설
2. 증권 관련 업무 범위의 확대 방안
3. 겸영업무 범위의 확대 방안
4. 부수업무 범위의 확대 방안
5. 업무범위 규정 체계의 정비 방안
Ⅳ. 맺음말
참고문헌

한국어 초록

2007년 8월 3일 그동안 논의되어 왔던「자본시장과 금융투자업에 관한 법
률」(이하“자본시장통합법”)이 제정됨으로써 앞으로 금융산업의 대지각 변동(소위
말하는‘금융 빅뱅’)이 일어날 가능성이 크다. 2009년 2월부터 시행되는 자본시장
통합법은 현재의 증권업, 자산운용업, 선물업, 신탁업 등 자본시장 관련업을 겸
업할 수 있는 금융투자회사의 출현을 허용함으로써 앞으로 은행 및 보험권과의 경쟁은 더 치열해질 것으로 본다. 특히 앞으로 기업의 자금 조달 행태도 종전의
은행을 통한 간접금융시장 위주에서 벗어나 주식이나 회사채 발행 등을 통한 직
접금융시장으로 이전할 가능성이 큰 상황에서 자본시장통합법의 시행은 은행권
에 미치는 영향이 클 것이라고 예상된다. 이러한 급변하는 금융환경하에서 은행
의 경쟁력을 향상시키고 국제적인 은행으로 성장시키기 위한 방안을 모색하는
것은 우리나라 금융산업의 근간인 은행산업을 육성시키고 더 나아가서 우리나라
금융산업의 선진화를 위한 기본적인 과제일 것으로 본다.

영어 초록

Under the Bank Act of Korea, a commercial bank is allowed to engaged
in its banking business, including (ⅰ) core business such as deposit-taking,
lending, and domestic and foreign exchange businesses, (ⅱ) concurrent
business, such as trust business, credit card business, investment trust
management business, and distribution business for indirect investment
securities, and (ⅲ) ancillary business, such as guarantee business, consulting
and advisory business, insurance agency business, factoring business, and
financial derivative transaction business, etc.
Recently, the rapid change in financial environments is taking place
domestically and worldwide. As the financial innovation and
internationalization are continuing in the financial industry, the competition
among financial institutions is becoming more fierce. Especially, in Korea, as
the new law of consolidating the capital market-related laws is scheduled to
be implemented in February 2009, a financial investment company, which
can conduct capital market related activities concurrently, is highly likely to
expand its market share in the financial industry and to become a strong
competitor against banking institutions. Therefore, it is persuasive that the
measures for enhancing the competitiveness of the banking industry, one of
the core financial industry, should be taken, in order to upgrade the financial
industry as well as the banking industry.
In line with this, this article suggests the expansion of a bank’s banking
business, in order to promote its competitiveness: (ⅰ) the expansion of its current securities related businesses, e.g., (a) permitting underwriting
business of corporate bonds and stocks in addition to current government
bonds and public bonds, (b) permitting dealing business of stocks in addition
to the current government bonds, public bonds and corporate bonds, (c)
allowing securities brokerage business. In addition, this article suggests
allowing investment advisory business as well as discretionary investment
business as a bank’s concurrent business. Also, the expansion of the scope
of a bank’s ancillary businesses is needed: leasing business and installment
finance business, custodian business and real estate agency business, etc.
need to be permitted. In particular, this article suggests introducing the
negative system in defining the scope of a bank’s ancillary business,
deviating from current positive system.
It is understandable that a strong opposition from the securities industry
in respect of permitting a bank’s securities activities might arise. However, as
long as the well-managed risk control system in relation to a bank’s
securities business engagement is maintained and the strict firewall system is
procured, the bank’s engagement in securities business would be no harm to
the financial industry and the financial system overall, but be beneficial to
the upgrading of the financial industry. Finally, this article recommends that
the infrastructure and legal system for introducing a universal banking system
should be gradually prepared.

참고 자료

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