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이건범(Keon beom Lee),이후록(Hoo Rock Lee) 한국경제발전학회 2015 經濟發展硏究 Vol.21 No.4
지급결제서비스는 핀테크로 지칭되는 금융과 기술의 융합현상이 강력하게 나타나는 분야라고 할 수 있고 이 분야에 모바일네트워크 운영자 등 비금융 주체의 참여가 급속히 증가하고 있다. 한편 글로벌 금융위기 이후 금융소비자 보호 문제가 금융시스템 안정을 위하여 필요하다는 인식이 확대되고 있다. 이러한 흐름을 감안하여 본 연구에서는 우리나라의 지급결제서비스의 발전방향과 지급결제분야에서의 소비자보호를 강화 할 수 있는 방안을 모색해 보았다. 우선 지급결제를 책임지고 있는 중앙은행의 장기적인 발전 전략 수립이 필요하며, 지급결제과정상 소비자의 피해를 유발한 서비스제공자의 책임 강화, 그리고 지급결제시스템 참여자 및 참여당사자간 책임과 역할 조정 등을 포함한 전반적인 소비자보호 대책 마련이 필요하다. 그리고 지급결제 지배구조의 개선 등을 고려할 필요가 있다할 것이다. 본 연구는 지급결제서비스 분야에서 핀테크의 역할 및 국내외 동향을 설명하고 이와 관련된 소비자 보호 정책의 필요성과 방향을 논의 하고 있다는 데에서 의의를 찾아볼 수 있다고 할 것이다(JEO: O3, O1, N4). The payment and settlement systems are the area that is most heavily affected by the convergence of finance and technology, or so called fintech. Accordingly, an increasing number of non-traditional, non-financial entities such as mobile network operators are entering into this newly emerging financial service industry. At the same time, the recent global financial crisis shed light on the importance of consumer protection in maintaining stability in the financial system. Under such circumstances, in order to ensure seamless development of the Korean payment and settlement service and consumer protection, it is necessary to have the Korean central bank, a main body overseeing Korea’s payment and settlement frameworks, formulate long-term development strategies, implement a system that strictly hold responsible payment and settlement service operators that caused harm to be incurred to general consumers, and establish broad programs to ensure information protection that encompass the participants of payment and settlement systems, and responsibility and role of the participants. Against this backdrop, this study aims to analyze the role of fintech in the payment and settlement systems, present an overview of the current frameworks and latest trends in Korea and abroad, and discuss the importance and future of consumer protection policies related thereto.
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서충원(Chung-Won Seo),신연수(Yeon-Soo Shin),이후록(Hoo-Rock Lee) 한국무역연구원 2015 무역연구 Vol.11 No.6
This paper uses the metafrontier approach suggested by concept to account for the environmental and technological differences among commercial banks. The purpose of this study compares the technical efficiency of the 91 commercial banks in Korea, China, and Japan as a production set. The data were used Bankscope database. It analyzed the efficiency of cross-country in order to evaluate the efficiency of the national commercial banks. The interesting feature of the model is that it ensures that heterogeneous among three countries are compared based on one homogeneous technology. It has been intensifying competition for domestic banks because of the changing environment of globalization and development of information technology, for example the low-margin non-facing channels customer, the launch of Internet banking, the accelerating competition of online and offline, financial spread of Fin-Tech and P2P Loans through crowd funding. And amid growing the loss stores of bank and accelerating competition for the banking industry, in order to secure a bank growth, externally it is supporting the industry to activate the economy, and internally It has been a primary project to increase the productivity and efficiency. As a result, the efficiency of domestic commercial banks was high in this country, but the metafrontier efficiency including three countries' commercial banks was lower than the commercial banks of China and Japan. Thus it was necessary to find a plan that can be a benchmark for commercial banks of China and Japan.
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