ScholarWorks@숙명여자대학교

초록

Since the Global Financial Crisis in 2008, financial safety nets, such as the Bank of Korea, the Financial Supervisory Service, and the Korea Deposit Insurance Corporation (KDIC) have continued to improve their risk-response systems to improve the macroprudential measures. However, unlike other major countries, problems still remain in Korea; lack of a macroprudential policy authority with legal status, lack of information sharing system among financial safety nets, and lack of funding schemes for financial companies prior to their insolvency. Given the nature of the domestic financial industry, where endogenous risk factors continue to rise due to the risks in non-banking sectors and the interconnectedness among financial sectors, the role of the deposit insurance authority is crucial in building a crisis response system. Recently, with the COVID-19 pandemic declaration, all-round monetary and fiscal policies are being mobilized to stimulate the economy. However, if the economic downturn is prolonged, there will be a growing concern over the next financial crisis that may be triggered by the insolvencies of financial institutions. Therefore, an in-depth discussion should be held on setting up a funding scheme for financial companies.

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