분야
hwp제 1 절 금융환경의 변화 ··················································· 2
제 2 절 문제제기 ······························································ 3
제 2 장 은행의 역할 및 현황 ·································· 3
제 1 절 은행의 역할 ·························································· 3
1. 은행의 의의 ······················································································ 3
2. 은행의 기능 ······················································································ 4
3. 은행의 취급업무 ··································································· 4
제 2 절 우리나라 은행의 현황 ············································ 5
제 3 장 은행산업 ··························································8
제 1 절 시장구조 ·······························································8
제 2 절 시장행동 ·······························································17
제 3 절 시장성과 ·······························································24
제 4 절 정부의 규제정책 ····················································27
제 5 절 시장 구조론적 접근 ················································29
제 4 장 은행산업의 문제점 및 발전방향 ···················29
제 1 장 은행산업의 부실 및 문제점 ·····································29
제 2 장 한국 은행산업의 발전방향 ······································31
제 1 절 금융환경의 변화
1. 금융자율화
우리나라는 1980년대 들어 금리의 가격기능을 높여 자원배분을 효율적으로 하고 금융기관이 공정한 경쟁을 할 수 있도록 금리자유화를 추진하기 시작하였으나 그동안 경제여건의 취약과 자금의 초과수요로 큰 성과를 거두지 못하였다. 국내외 경제 환경의 변화에 따라 금리자유화가 불가피해짐에 따라 정부에서는 1991년 8월 “금리자유화 추진계획”을 발표하여, 4단계로 나누어 금리 자유화를 추진하기로 하였다.
한편 금리자유화와 함께 은행 업무영역 구제의 완화가 추진되고 있으며, 업무의 자유화는 두가지 방향으로 진행되고 있다고 할 수 있다. 첫째 장단기 금융의 분리와 은행과 신탁의 분리를 철폐하여 은행이 어음을 모두 취급할 수 있게 하는 것이고, 둘째 은행과 증권의 분리를 완화하는 것이다.