포스트 코로나 시대의 금융정책 방향

이세훈 글로벌금융학회 2020 글로벌금융리뷰 Vol.1 No.1

그간 코로나19 사태에 대응하여 경제·금융위기 대응에 정책적 역량을 집중해왔다. 그러나 코로나19는 단기적인 경제 충격에 그치지 않고 우리 경제·사회 전반을 근본적이고 구조적으로 변화시킬 것으로 전망되는 바, 새로운 환경변화를 기회로 삼아 우리 금융산업의 새로운 도약을 뒷받침할 수 있는 금융정책 수립이 필요한 시점이다. 이러한 문제의식을 바탕으로 포스트 코로나 시대의 금융환경 변화를 진단해본 결과, 첫째, 신성장산업 육성 및 GVC(Global Value Chain)변화, 둘째, 비대면경제 확산 및 디지털 가속화에 따른 금융산업 지각변동 가능성, 셋째, 양극화 심화 및 금융소외계층 확대 우려, 넷째 초저금리 기조 지속에 따른 금융불안요인 누적을 주요 특징으로 뽑을 수 있었다. 이러한 환경변화에 대응하여 향후 금융정책은 크게 다음의 네 가치 축을 바탕으로 추진할 필요가 있다. 첫째 실물경제의 장기·안정적 성장을 위한 금융지원, 둘째 금융산업의 지평확장 및 새로운 기회를 준비, 셋째 양극화 심화 가능성에 대한 촘촘한 대응, 넷째 경제위기로 내재된 금융위험 요인에 대한 철저한 대비이다. 물론, 코로나19 장기화 및 재확산 우려가 상존하고 있는 만큼, 금융당국은 당면한 경제·금융위기 극복에 총력을 다할 필요가 있다. 다만 이러한 정책적 대응노력과 병행하여 포스트 코로나 시대에 예견되는 환경변화에 대응하기 위한 노력도 게을리 해서는 안 될 것이다. 앞서 제시한 금융정책 방향을 바탕으로, 시장전문가, 업계 의견 수렴 등을 통해 추진전략을 구체화·보완해 나갈 필요가 있다. 특히 정책과제들에 대한 추가적인 검토·협의를 거쳐 종합적인 정책 추진방안을 ‘21년 금융위 업무계획에 반영하고, 사회적 공감대 형성이 선행될 필요가 있는 정책과제에 대해서는 다양한 소통채널을 통한 충분한 논의를 거쳐 결정하는 것이 바람직할 것이다.

빅데이터 기반 중소기업 금융정책 지원체계 구축

서경란 ( Kyongran Seo ) 글로벌금융학회 2024 글로벌금융리뷰 Vol.5 No.1

The polarization of small and medium-sized enterprise (SME) management is expected to deepen in the rapidly changing economic environment. Current policy systems rely on retrospective statistical analysis, which poses limitations in targeting policy interventions. The government needs to establish comprehensive supply plans through demand forecasting using data analysis for large-scale fund allocation. However, existing statistical methods have mainly focused on continuous quantitative expansion, overlooking the need for effective fund allocation. Urgent measures are required to promote digitalization within policy financial institutions and related ecosystems, such as digitizing funding channels, to ensure funds reach where they are needed. This paper proposes building a SME-centered policy framework based on data to address these issues. Improvements in the infrastructure of SME-centered statistics, such as enhancing objectivity and reliability through active utilization of public data and timely enhancement of SME statistics using big data, are necessary. Additionally, a system for assessing economic conditions by establishing SME business situation panels using private sector big data to complement national statistics is needed. On another front, qualitative transformation of SME finance should be pursued. This includes promoting digitalization of policy financial institutions through establishing common guidelines for data collection, management, utilization, and sharing, as well as expanding cooperation between public and private sectors to establish emergency financial support systems, particularly crucial during crises like the COVID-19 pandemic.

기술변화와 규제 사이의 금융AI 혁신

유시용 ( Shiyong Yoo ) 글로벌금융학회 2024 글로벌금융리뷰 Vol.5 No.1

Purpose: There have been many changes in the financial industry due to AI. This examines such innovations and explores international regulatory trends aimed at minimizing societal costs associated with AI incidents. Methodology: The paper is written by researching various literature and statistical data. Findings: Artificial Intelligence (AI) technology is bringing revolutionary changes to the financial industry, primarily manifesting in cost reduction and the development of new financial services. Financial companies are focusing on utilizing AI to enhance operational efficiency and secure a competitive edge. AI technology is being applied in various ways, such as automating customer services and developing customized financial products. It is particularly being used in diverse areas including data analysis, natural language processing, and interactive services, thereby transforming the overall model of financial services. While the rapid adoption of this technology is inducing many positive changes, the popularization of AI is also leading to various ethical issues such as misuse of technology, data bias, creation of unethical content, and malfunctions. These issues can lead to severe consequences including damage to a company's reputation, organizational and legal risks, and potential harm to customers if AI systems are poorly designed or implemented. Implications: Regulatory authorities should set regulations that not only promote technological advancement but also minimize social costs, ensuring the safety and reliability of the AI technology, and fostering the healthy development of the entire industry.

기술혁신과 산업의 융복합

문영배 글로벌금융학회 2019 글로벌금융학회 정책심포지엄 및 학술대회 Vol.1 No.2

인공지능의 이슈 사항과 미래

김창기 ( Changki Kim ) 글로벌금융학회 2024 글로벌금융리뷰 Vol.5 No.1

In this study, the introduction of AI and its uses, the history of AI into what it is today, the importance of AI today, and the importance of data in implementing successful AI is outlined. After this, the different types of risks associated with AI as well as the risk management strategies for each are explained in depth. For social-economic risk, the risks related to environmental, social, employment, equality, security, and ethical issues are presented as well as the corresponding risk management strategies for each. Next, the market risks arising from AI are introduced such as interest rate risk, exchange rate risk, stock price risk, and commodity price risk. The risk management strategies for each of these market risks due to AI are then explained in further depth. Lastly, this study covers the future of AI and its implications in different sectors in the future such as healthcare, education, and business.

최근 글로벌 인플레이션 동향과 우리나라 인플레이션 결정요인 분석

장민 ( Min Chang ) 글로벌금융학회 2024 글로벌금융리뷰 Vol.5 No.1

In recent years, the global economy has faced many challenges in policy responses to the COVID-19 pandemic, as inflation has persisted due to supply shocks such as global supply chain disruptions and sharp increases in transportation prices, as well as massive fiscal spending to overcome the economic crisis. However, as the impact of global supply factors has increased due to the pandemic, the effectiveness of policy responses such as interest rate hikes may be limited if the influence of country-specific factors such as economic conditions has become relatively small. Our analysis shows that Korea's inflation is highly influenced by the same factors that have caused recent global inflation, including global supply shocks such as the disruption of global supply chains due to the spread of COVID-19, rising logistics costs, and rising prices of crude oil and other commodities, as well as a weakening of the Korean won due to the persistence of the strong dollar. These results imply that the effectiveness of inflationary policies to curb demand by raising interest rates is very limited and can exacerbate the side effects of tightening domestic demand. Therefore, it suggests that policies to alleviate supply pressures, such as improving the distribution structure, diversifying the global supply chain, and improving production efficiency by restructuring insolvent companies, are of utmost importance to alleviate the current inflation situation, which is highly influenced by supply factors.

4차산업혁명시대-금융혁명의 시작

이종구 글로벌금융학회 2020 글로벌금융학회 정책심포지엄 및 학술대회 Vol.2 No.1

4차 산업혁명 시대 금융의 역할

이한주 글로벌금융학회 2020 글로벌금융학회 정책심포지엄 및 학술대회 Vol.2 No.1

우리나라 금융허브 육성 전략에 대한 고찰

정재웅 ( Jae Woong Jung ),안세륭 ( Seryoong Ahn ) 글로벌금융학회 2023 글로벌금융리뷰 Vol.4 No.2

The origins of South Korea's financial hub development policy can be traced back to the Ministry of Finance and Economy's Northeast Asia Financial Hub Promotion Strategy in 2003. Over the past 20 years, there have been some concrete achievements, but there have been no clear results in areas such as financial regulation and supervisory system reform, which are the core of financial hubs. In this paper, we examine the government-led financial hub development strategy that has been pursued in South Korea over the past 20 years, and discuss the achievements of this strategy and the policy directions that are needed in the future. The global financial hub development strategy that the government has pursued since 2003 has also changed to a policy that focuses on financial market stability due to the sudden changes in the global financial markets, such as the global financial crisis and recession in 2008, and the European sovereign debt crisis from 2010 to 2011. As a result, South Korea has developed in terms of industrial and economic levels, but the financial industry has not shown a corresponding level of development. In order for South Korea to grow into a financial hub that corresponds to its economic scale, it is necessary to have a comprehensive and pension funds, while actively exchanging with other hubs in the global effort by the government, financial public enterprises, financial companies, financial network and playing a key role.

블록체인: 디지털자산 혁명

인호 글로벌금융학회 2020 글로벌금융학회 정책심포지엄 및 학술대회 Vol.2 No.1