금산결합 플랫폼 확대에 따른 새로운 금융규제 정립방향에 대한 연구

초록

Platformization primarily led by big-techs and financial companies is becoming salient trends in the financial industry. This study classifies financial platforms into three types and proposes policy alternatives respectively. First of all, as for the intermediation-type platform, the financial authority is highly likely to face issues of financial consumer protection and platform(algorithm) independence and accountability. On the field of disintermediation-type platform side, the financial authority would have to address the problem of information asymmetry of the market and boosting stagnated market, due to poor financial disclosure system. The expansion of the finance-industry-integration-type platform is expected to lead to a fundamental change in the financial industry, and accordingly, more drastic policy responses are required. This study proposes followings as new financial policy alternatives: the reorganization of the permission system of financial industry, the introduction of entity-based(group-based) financial regulations, and the introduction of a principle-based supervisory system.

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