상호저축은행에 대한 규제 및 감독에 관한 연구(상호저축은행법령과 하위 규정인 행정입법에 대한 검토를 중심으로) = A Study on the Regulations and Supervision on MutuaJ Savingsbank

다국어 초록 (Multilingual Abstract)

Savings bank is the financial institute established t0 provide convenience In the financial transactions of the common people and small and medium enterprises. Institutions for establishing financial policy and supervising its execution such as Financial Services Commission or Financial Supervisory Service should implement policy and exercise supervision suitable for savings banks in order to induce sound management of savings banks. Looking into enaction and revision process of the acts and decrees, concrete supervisory regulations and detailed enforcement regulations about savings bank. Savings Banks Act as authorization act has not been properly revised so as to comply with the purpose of enactment of Savings Banks A t but has been revised to expand business lines for profitability increase at savings bank industry`s request, or to complement contents after financial incidents of improperly-run savings bank Furthermore, contents arousing confusion between savings bank and bank under the Bank Act have been added in Savings Banks Act. It is also judged that regulations have been revised too strongly and diversely in light of size of savings bank without principle after some financial incidents occurred. On the other hand, seems that supervisory regulations and detailed enforcement regulations as administrative legislation have been frequently enacted on a case by case beyond the limit of delegation of the authorization act. and resultantly savings banks and their customers are generally subject to the administrative legislations revised in such a manner. Therefore, administrative legislation for supervision of savings bank should be improved in view of the ``rule of law`` and efficiency of regulations suitable for savings bank. Finally, overall financial supervisory system needs to be improved for sound management of savings bank. and also regulations suitable for characteristics of savings bank and supervisory administration based on the ``rule of law`` should benecessary.