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Since the early 1980s, Korea has strictly adopted the separation policy between banking and commerce. The strongest tool of realizing this policy was the bank ownership regulation in the Banking Act of Korea. That is, one provision under the Banking Act of Korea restricted one Korean shareholder to hold no more than 4 percent of total voting stocks of a commercial bank. Since the financial turmoil in 1997, however, the provision has been gradually amended by financial regulators themselves because it is a kind of entry barrier regulation which is out of date. After foreigners being able to acquire more than 33 percent of total voting stocks subject to a prior approval by the Financial Supervisory Commission (FSC), all the Koreans except chaebol are allowed to own the same amounts of voting stocks on an equal basis with foreigners.
In the meantime, some Korean scholars have identified that the separation policy between banking and commerce does not always come with the bank ownership regulation, because the U.S. based on the same policy does not have the bank ownership provision either in its codes or regulations. Now, in addition, deregulation trend in the financial sector is the main stream all around the world, thereby focusing on the repeal of unnecessary and improper provisions under the financial law. Almost all of entry barriers are the most representative example of these provisions. Thus, the current regulation against chaebol should be re-examined deeply considering all these situations because it is unreasonable and obsolete.
This paper examines deeply article 15 through article 17 of the Banking Act of Korea which are directly related to the bank ownership regulation. Reporting duty to the FSC voluntarily by same person is very important because financial regulators themselves are not expected to know all the facts relating to the minor change of the bank share-holdings. Regarding this duty, harmonization with the Securities Exchange Act is also a significant issue because the relevant provision of the Banking Act of Korea is not consistent with the Securities Exchange Act. Without wise adjustment between both Acts, duplicate and burdensome regulations may deter the development of the Korean financial industry. The rationale determining chaebol should be more correct and advanced. Otherwise, no Koreans may compete with foreigners in the context of bank share-holdings. In this case, of course, increased concentration and monopolization in banking should be re-examined furthermore. This paper discusses all these issues in detail.
In the meantime, some Korean scholars have identified that the separation policy between banking and commerce does not always come with the bank ownership regulation, because the U.S. based on the same policy does not have the bank ownership provision either in its codes or regulations. Now, in addition, deregulation trend in the financial sector is the main stream all around the world, thereby focusing on the repeal of unnecessary and improper provisions under the financial law. Almost all of entry barriers are the most representative example of these provisions. Thus, the current regulation against chaebol should be re-examined deeply considering all these situations because it is unreasonable and obsolete.
This paper examines deeply article 15 through article 17 of the Banking Act of Korea which are directly related to the bank ownership regulation. Reporting duty to the FSC voluntarily by same person is very important because financial regulators themselves are not expected to know all the facts relating to the minor change of the bank share-holdings. Regarding this duty, harmonization with the Securities Exchange Act is also a significant issue because the relevant provision of the Banking Act of Korea is not consistent with the Securities Exchange Act. Without wise adjustment between both Acts, duplicate and burdensome regulations may deter the development of the Korean financial industry. The rationale determining chaebol should be more correct and advanced. Otherwise, no Koreans may compete with foreigners in the context of bank share-holdings. In this case, of course, increased concentration and monopolization in banking should be re-examined furthermore. This paper discusses all these issues in detail.
목차
Ⅰ. 처음에
Ⅱ. 은행주식 보유한도 규제
Ⅲ. 맺는 말
[Abstract]
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UCI(KEPA) : I410-ECN-0101-2009-360-016008900