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KCI 등재
전자금융 조성자로서의 한국은행의 업무수행체계 개선 방안
A Proposal to Improve the Organizational Structure of the Bank of Korea as a Facilitator of Electronic Banking
박철우 ( Cheol Woo Park ) , 서연아 ( Youn Ah Seo )
금융법연구 10권 1호 313-353(41pages)
UCI I410-ECN-0102-2014-300-001690933

This paper considers the organizational structure of electronic banking facilitator roles taken on by the Bank of Korea, which is the central bank of Korea, accomplishments of the Bank of Korea`s past activities related to electronic banking facilitation, and institutional problems. Next, as a comparative study, this paper elucidates the roles and organizational structure of central banks as facilitators of electronic banking, focusing on organizations for electronic banking facilitation (organizations promoting financial informatization by developing, expanding and improving the infrastructure of electronic banking), by classifying the organizational structure of electronic banking facilitator roles into the following four categories: (ⅰ) Central banks facilitating electronic banking through internal organizations, (ⅱ) Central banks playing a leading role in operating organizations for electronic banking facilitation, (ⅲ) Central banks supporting and participating in organizations for electronic banking facilitation, (ⅳ) Central banks facilitating electronic banking through payment systems oversight functions. On the basis of these studies, this paper suggests an improvement strategy to promote and facilitate electronic banking including payment and settlement systems. First, it is necessary to strengthen the legal foundation of the organization for electronic banking facilitation in which the Bank of Korea is involved. Especially, through the revision of the Bank of Korea Act, a Payment System Committee should be established as an internal organization of the Bank of Korea. In addition, it is required to expand the participation of diverse stakeholders in organizations for electronic banking facilitation, including financial institutions, payment service providers, financial consumers, and other related business sectors. Second, provisions that vest the Bank of Korea with the authority to promote and support the electronic banking sector, and to pursue electronic banking standardization should be stipulated in the Bank of Korea Act.

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