파이낸셜 시스템의 이해
$29.81
SKU
9791130321783
[Free shipping over $100]
Standard Shipping estimated by Fri 05/2 - Thu 05/8 (주문일로부 10-14 영업일)
Express Shipping estimated by Tue 04/29 - Thu 05/1 (주문일로부 7-9 영업일)
* 안내되는 배송 완료 예상일은 유통사/배송사의 상황에 따라 예고 없이 변동될 수 있습니다.
| Publication Date | 2025/03/07 |
| Pages/Weight/Size | 176*248*20mm |
| ISBN | 9791130321783 |
| Categories | 대학교재 > 경상계열 |
Description
현재 금융 시스템에 대한 내용은 별도의 교재나 책의 형태가 아닌 전문자격증 수험서 형태로 존재하고 있다. 그 이유에 대해서 명확히 밝혀진 바는 없으나 필자가 생각하기에는 용어에서 비롯된 오해 때문이 아닐까 생각된다. 즉, 이전에는 “금융제도론”이라는 표현을 많이 사용하였기 때문에 학문적, 규범적, 법률적 성격이 강할 것이라는 독자들의 생각이 반영된 결과라고 생각된다. 이와 함께 대학교 내에서도 금융 시스템에 대한 이론적 설명이 중요함에도, 많은 부분이 전문자격증 시험의 한 요소로 생각됨으로써 수험서 혹은 전문학원에서 다뤄져야 할 내용으로 여겨진 것이 아닐까 생각된다. 하지만 서두에 설명한 것과 같이 금융 시스템은 금융에 대한 전반적인 이해를 위해 꼭 필요한 요소임은 물론, 금융업을 준비하는 대학생 및 수험생들에게도 꼭 필요한 요소임을 강조하지 않을 수 없다. 특히 금융업에 종사했던 필자는 금융 실무에 있어서 일반 전공 내용보다 금융 시스템이 더 중요하게 다뤄져야 한다고 생각한다. 이렇게 말할 수 있는 근거는 금융 시스템이 한 영역에 대한 제도만을 설명하는 것이 아니라 금융거래에 관한 일체의 체계와 규범을 총칭하는 개념으로서 금융거래가 이뤄지는 금융시장과 금융거래를 중개하는 금융기관, 금융거래가 원활히 이뤄질 수 있도록 하는 금융하부구조 등을 총체적으로 설명하기 때문이다. 이처럼 금융 시스템은 금융실무를 이해함에 있어 매우 중요한 요소이다. 본서는 국내 금융 시스템(금융제도)에 대한 최근 서적이 부재하다는 점과 기존 서적이 너무 어렵고 난해하다는 점 등 새로운 국내 금융 시스템(금융제도) 관련 서적에 대한 높은 요구에 의해 집필되었다.
Contents
제1장 금융 시스템의 이해 1
1. 금융이란? ···························································································3
2. 금융 시스템의 의의 ···········································································5
3. 유형별 금융제도 구분 ······································································12
(1) 시장중심 금융제도와 은행중심 금융제도 ············································12
(2) 전업주의와 겸업주의 ············································································20
4. 글로벌 금융위기 이후 금융제도 변화 ·············································24
(1) 글로벌 금융위기 이후 세계금융제도 ···················································24
1) 거시건전성 정책 도입 25
2) 중앙은행의 역할 확대 및 금융감독 체계 변경 27
(2) 글로벌 금융규제 강화 ··········································································29
1) 국제결제은행(BIS) 29
2) 바젤은행감독위원회와 은행의 규제 감독 31
3) 시스템적으로 중요한 금융기관에 대한 규제 34
4) 비은행 금융중개 규제 35
(3) 금융소비자보호 강화 ············································································37
(4) 금융기관 겸업 제한 ··············································································39
5. 핀테크의 등장 ··················································································41
(1) 핀테크의 정의 ·······················································································41
(2) 주요 사업 분야 ·····················································································42
1) 지급결제 및 송금 42
2) 크라우드펀딩과 P2P 대출 43
3) 암호자산 45
4) 인터넷전문은행 46
제2장 지급결제제도 51
1. 지급결제제도 정의 ············································································53
2. 지급 수단 ·························································································57
(1) 현금 ······································································································57
(2) 어음, 수표 ····························································································59
(3) 계좌이체 ·······························································································60
(4) 지급카드 ·······························································································61
(5) 모바일 지급결제 ···················································································62
3. 지급결제 시스템 ···············································································63
(1) 거액 결제시스템 ···················································································63
(2) 소액 결제시스템 ···················································································65
1) 어음교환 65
2) 지로시스템 66
3) 금융공동망 67
4) 전자상거래 지급결제 시스템 68
(3) 증권결제시스템 ·····················································································69
(4) 외환결제시스템 ·····················································································73
4. 금융시장 인프라 운영기관 ·······························································75
(1) 금융결제원 ····························································································75
1) 조직 및 참여기관 77
2) 주요 업무 78
(2) 한국예탁결제원 ·····················································································81
1) 조직 82
2) 주요 업무 82
제3장 거래소제도 95
1. 조직 ··································································································99
2. 주요 업무 ························································································100
(1) 유가증권시장, 코스닥시장 및 코넥스시장 개설 · 운영 ······················100
(2) 파생상품시장 개설 · 운영 ····································································105
(3) 시장감시 ······························································································106
제4장 예금보호제도 111
1. 조직 ·································································································119
(1) 예금보험위원회 ···················································································119
(2) 이사회 및 감사 ···················································································121
2. 주요 업무 ························································································122
(1) 예금보험기금의 관리 및 운영 ····························································122
1) 예금보험기금 123
2) 예금보험기금채권상환기금 124
(2) 보험료의 수납 및 보험금 지급 ··························································125
(3) 부실금융회사 정리 및 자금지원 ························································126
1) 부실금융회사의 정리 126
2) 자금지원 127
3) 부보금융회사에 대한 조사 및 검사 131
4) 금융부실관련자에 책임추궁 및 조사, 손해배상 132
제5장 중앙은행제도 139
1. 한국의 중앙은행 한국은행 ·····························································146
(1) 조직 ·····································································································149
(2) 주요 업무 ····························································································151
1) 통화신용정책 수립 및 집행 151
2) 금융안정 유지 158
3) 발권 163
4) 지급결제업무 167
5) 외환정책관련 업무 169
6) 조사통계 173
7) 국고 및 증권 173
8) 금융기관 경영실태 분석 및 검사 175
제6장 금융감독제도 181
1. 조직 ·································································································187
(1) 금융위원회 ··························································································187
(2) 금융감독원 ··························································································189
2. 주요 업무 ························································································192
(1) 구조적 규제 ························································································192
1) 금융기관 설립 및 합병 · 전환 인허가 192
2) 금융기관 퇴출 193
3) 소유지배구조 규제 194
(2) 건전성 규제 ························································································196
1) 자본의 적정성 196
2) 자산건전성 분류 및 대손충당금 적립 207
3) 경영지도 및 관리 212
(3) 영업행위 규제 ·····················································································223
1) 경영공시 223
2) 금융거래조건 공시 및 설명 226
3) 약관심사 226
4) 광고사항 227
5) 금융분쟁조정 228
(4) 검사 ·····································································································231
제7장 기타 금융하부구조 담당기관 243
1. 신용평가회사 ···················································································245
(1) 주요 업무 ····························································································245
제8장 한국의 금융제도 253
1. 1950년대 한국의 금융제도 확립기 ···············································255
2. 1960~1970년대 개발금융체제의 구축기 ······································257
3. 1980년대 시장자율체제로의 전환 ·················································260
4. 1990년대 금융 자유화, 개방화 추진 ············································262
5. 1990년대 후반의 외환위기와 2000년대 초반 금융개혁 ·············264
6. 2000년대 중반 자본시장 및 금융투자업 활성화와 규제 개편 ····270
7. 2008년 글로벌 금융위기와 금융규제 및 소비자보호 강화 ·········274
1. 금융이란? ···························································································3
2. 금융 시스템의 의의 ···········································································5
3. 유형별 금융제도 구분 ······································································12
(1) 시장중심 금융제도와 은행중심 금융제도 ············································12
(2) 전업주의와 겸업주의 ············································································20
4. 글로벌 금융위기 이후 금융제도 변화 ·············································24
(1) 글로벌 금융위기 이후 세계금융제도 ···················································24
1) 거시건전성 정책 도입 25
2) 중앙은행의 역할 확대 및 금융감독 체계 변경 27
(2) 글로벌 금융규제 강화 ··········································································29
1) 국제결제은행(BIS) 29
2) 바젤은행감독위원회와 은행의 규제 감독 31
3) 시스템적으로 중요한 금융기관에 대한 규제 34
4) 비은행 금융중개 규제 35
(3) 금융소비자보호 강화 ············································································37
(4) 금융기관 겸업 제한 ··············································································39
5. 핀테크의 등장 ··················································································41
(1) 핀테크의 정의 ·······················································································41
(2) 주요 사업 분야 ·····················································································42
1) 지급결제 및 송금 42
2) 크라우드펀딩과 P2P 대출 43
3) 암호자산 45
4) 인터넷전문은행 46
제2장 지급결제제도 51
1. 지급결제제도 정의 ············································································53
2. 지급 수단 ·························································································57
(1) 현금 ······································································································57
(2) 어음, 수표 ····························································································59
(3) 계좌이체 ·······························································································60
(4) 지급카드 ·······························································································61
(5) 모바일 지급결제 ···················································································62
3. 지급결제 시스템 ···············································································63
(1) 거액 결제시스템 ···················································································63
(2) 소액 결제시스템 ···················································································65
1) 어음교환 65
2) 지로시스템 66
3) 금융공동망 67
4) 전자상거래 지급결제 시스템 68
(3) 증권결제시스템 ·····················································································69
(4) 외환결제시스템 ·····················································································73
4. 금융시장 인프라 운영기관 ·······························································75
(1) 금융결제원 ····························································································75
1) 조직 및 참여기관 77
2) 주요 업무 78
(2) 한국예탁결제원 ·····················································································81
1) 조직 82
2) 주요 업무 82
제3장 거래소제도 95
1. 조직 ··································································································99
2. 주요 업무 ························································································100
(1) 유가증권시장, 코스닥시장 및 코넥스시장 개설 · 운영 ······················100
(2) 파생상품시장 개설 · 운영 ····································································105
(3) 시장감시 ······························································································106
제4장 예금보호제도 111
1. 조직 ·································································································119
(1) 예금보험위원회 ···················································································119
(2) 이사회 및 감사 ···················································································121
2. 주요 업무 ························································································122
(1) 예금보험기금의 관리 및 운영 ····························································122
1) 예금보험기금 123
2) 예금보험기금채권상환기금 124
(2) 보험료의 수납 및 보험금 지급 ··························································125
(3) 부실금융회사 정리 및 자금지원 ························································126
1) 부실금융회사의 정리 126
2) 자금지원 127
3) 부보금융회사에 대한 조사 및 검사 131
4) 금융부실관련자에 책임추궁 및 조사, 손해배상 132
제5장 중앙은행제도 139
1. 한국의 중앙은행 한국은행 ·····························································146
(1) 조직 ·····································································································149
(2) 주요 업무 ····························································································151
1) 통화신용정책 수립 및 집행 151
2) 금융안정 유지 158
3) 발권 163
4) 지급결제업무 167
5) 외환정책관련 업무 169
6) 조사통계 173
7) 국고 및 증권 173
8) 금융기관 경영실태 분석 및 검사 175
제6장 금융감독제도 181
1. 조직 ·································································································187
(1) 금융위원회 ··························································································187
(2) 금융감독원 ··························································································189
2. 주요 업무 ························································································192
(1) 구조적 규제 ························································································192
1) 금융기관 설립 및 합병 · 전환 인허가 192
2) 금융기관 퇴출 193
3) 소유지배구조 규제 194
(2) 건전성 규제 ························································································196
1) 자본의 적정성 196
2) 자산건전성 분류 및 대손충당금 적립 207
3) 경영지도 및 관리 212
(3) 영업행위 규제 ·····················································································223
1) 경영공시 223
2) 금융거래조건 공시 및 설명 226
3) 약관심사 226
4) 광고사항 227
5) 금융분쟁조정 228
(4) 검사 ·····································································································231
제7장 기타 금융하부구조 담당기관 243
1. 신용평가회사 ···················································································245
(1) 주요 업무 ····························································································245
제8장 한국의 금융제도 253
1. 1950년대 한국의 금융제도 확립기 ···············································255
2. 1960~1970년대 개발금융체제의 구축기 ······································257
3. 1980년대 시장자율체제로의 전환 ·················································260
4. 1990년대 금융 자유화, 개방화 추진 ············································262
5. 1990년대 후반의 외환위기와 2000년대 초반 금융개혁 ·············264
6. 2000년대 중반 자본시장 및 금융투자업 활성화와 규제 개편 ····270
7. 2008년 글로벌 금융위기와 금융규제 및 소비자보호 강화 ·········274