韩国存款保险公司现场检查权的改革与启示

Implications from South Korea's Spot Examination Right Reform of Deposit Insurance Companies

本次国际金融危机发生后,国际金融组织和主要经济体纷纷把存款保险制度纳入系统性金融风险防范和处置体系。在韩国互助储蓄银行破产处置中,韩国存款保险公司发挥了重要的金融稳定作用,但也暴露了一些存在的问题。本文回顾了韩国存款保险公司现场检查权立法工作的沿革,分析了韩国强化存款保险公司单独现场检查权的改革方向与内在逻辑,比较研究了韩国存款保险公司与韩国金融监督院现场检查的工作重点和协调机制,总结了韩国存款保险公司现场检查职能改革的经验和启示,指出存款保险机构在事前风险防范方面所发挥的重要作用。

International financial groups and major economies have adopted the deposit insurance mechanism into their risk management due to the 2008 financial crisis. In South Korea, this mechanism has played an essential role in dealing with the bankruptcy of the Mutual Savings Bank. However, deposit insurance still suffers from criticisms because of potential problems associated. This paper examines the history concerning legislation of spot examination right for deposit insurance companies in South Korea and further explores its intrinsic logic as well as its future direction of reform. A thorough knowledge of the experience in South Korea has provided the insight that the practice of deposit insurance contributes to the void of financial risks.