현행 금산법에 대한 경제적 법적 문제점과 개선방향 제시

목차

1. 서 론 ····················································································· 3

2. 금산분리 주장에 대한 경제적 견해···················································· 4

2. 1. 금융을 통한 기업 확장과 독과점 형성·········································· 4
2. 2. 금융 중개의 공정성 및 효율성 저하············································ 5
2. 3. 금융의 건전성과 안정성 문제···················································· 6
2. 4. 고객 이익의 침해 위험···························································· 7

3. 금산분리 규제에 대한 법적 견해······················································ 10

3. 1. 금산분리법의 내용································································ 10
3. 2. 은행의 소유규제 유무 및 규제방식에 관한 외국의 입법례················· 13
3. 3. 금산법에 의한 금산분리의 문제점·············································· 15

4. 개선방향·················································································· 18

4. 1. 비금융주력자 제도 폐지························································· 18
4. 2. 동일인 소유제한 한도 완화····················································· 18
4. 3. 시장의 자율적 감시제도의 활성화와 사후감독 강화························· 18
4. 4. 산업자본에 대한 차별적인 승인규제 개선····································· 19
4. 5. 금융시장의 경쟁촉진····························································· 19

5. 결 론····················································································· 20

요 약························································································ 21

참고문헌······················································································ 23

본문내용

1. 서 론

2008년 10월 금산법(금융산업의 구조개선에 관한 법률) 개정안 입법예고, 2010년 4월 국회 정무위 통과, 2011년 4월 임시국회에서 개정안 처리 등의 과정은 금산분리 문제에 대한 국민적 관심을 불러 일으켰다. 론스타와 외환은행 매각사태로 인해 소위 ‘외국계 먹튀 자본’에 대해 현행법의 문제점이 부각되었지만, 금산법의 개정안은 기업의 순환출자구조에 면죄부를 주는 것이 아니냐는 여론에 부딪히고 있다. 반대 여론에 따르면 국내 자본에 의한 은행잠식으로 산업자본에 대한 불법대출과 이로 인한 은행부실화 현상, 은행 이윤극대화의 수단으로 예금이자 하락과 대출금리 상승 등의 문제점이 야기될 수 있다.
하지만 금산법 개정은 국내자본에 의한 은행 잠식, 외국자본에 의한 은행잠식이라는 흑백논리가 아니라, 산업자본과 금융자본의 조화를 통한 시너지 효과를 바탕으로 한 한국금융의 효율성과 경쟁력의 제고방안으로 인식되어야 한다. 금융자본과 산업자본의 결합이 개별기업에게만 득이 되는 것이 아닌 국민 모두에게 득이 됨을 밝히고자 한다.

<중 략>

3. 금산분리 규제에 대한 법적 견해

- 은행법, 금융지주회사법, 공정거래법, 자본시장통합법 등의 금산분리 관련 내용
- 일본, 프랑스, 영국 등 외국의 입법례
- 현행 금산법은 중복 과잉 규제, 금융기관별 특성을 무시한 일률적 규제, 금융시스템 리스크 차이를 고려하지 않은 규제, 외국인과의 형평성 문제를 안고 있음.

4. 개선방향

- 은행법상 비금융주력자는 동일인에 포함 되어 비금융주력자에 대해서 주식보유제한을 하는 것은 이중규제 내지 중복규제에 해당함. 또한 은행법상 비금융주력자의 범위가 매우 넓어 금융업 발전에 저해 요인이 됨.

참고 자료

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