파이낸셜 시스템의 이해(양장본 Hardcover)

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 ㆍ 운영 ······················100
(2) 파생상품시장 개설 ㆍ 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 ㆍ 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

최남진 저자는 대학교 졸업 후 교보증권 공채에 응시해 사회 첫 발을 내디뎠다. 교보증권에서 본사 인력지원실, 신탁팀(신탁전문운용인력(Fund Manager)) 등에 근무하며 경제와 금융투자에 대한 전반적인 실무경험을 쌓았고 서강대학교에서 경제학 석사학위를 취득 후 준정부기관인 우체국금융개발원으로 자리를 옮겼다. 해당 기관에서는 경제와 금융에 대한 연구총괄 업무를 수행하였고 한양대학교에서 경제학 박사학위를 취득한 후 강남대학교 경제학과 외래교수와 초당대학교 교수를 거쳐 현재 원광대학교 경제학부(경제금융학과) 교수로 재직 중이다.
최근 저자는 폭넓은 경제, 금융 관련 대내외 활동을 하고 있으며 대표적으로 한국은행 자문교수, 한국개발연구원 경제전문가 패널, 국민연금공단 인사위위원회 위원, 공무원시험 출제위원 및 면접위원, 충남개발공사 기술자문위원 등 지자체 다수 위원회 활동을 비롯하여 국토연구원 등 국책연구소의 자문위원으로도 활동 중이며 MBC시사토론 패널, KBS라디오 패널, 전북일보 경제칼럼 및 경제포커스 경제칼럼 필진으로도 활동 중이다.
본서 이외에 「한국인의 경제학 기초(박영사, 제3판)」, 「한국인의 금융 기초(박영사)」, 「금융과 경제(박영사)」, 「유동성이 주택시장에 미치는 영향과 정책연구(국토연구원, 공저)」 등의 저서를 발간하였다.

주요 논문
- 가계부채 및 부채의 변동성이 소비 및 성장률에 미치는 영향, 금융지식연구, 제14권
1호
- 중국 경제가 국내 실물경제에 미치는 영향, 동북아경제연구, 제28권, 2호
- 미국의 통화정책이 아시아 실물경제에 미치는 영향, 국제지역연구, 제20권 2호
- 미국의 금리정책과 한국?일본 주식시장 변동성 간의 관계 분석, 경영경제연구, 38권
2호
- 환율 변동성이 국내 경제에 미치는 영향, 경영경제연구, 40권, 1호
- 아시아 주요국가 환율변동성 및 실물시장과의 관계에 대한 연구, 국제지역연구, 제
23권 2호
- 통화량의 변동성이 주택가격 변동성에 미치는 영향, 부동산분석, 제5권 3호
- 경제주체의 불확실성과 통화정책 실효성 간의 관계 분석, 국제지역연구, 제25권 3호
- 환율변동성 요인 분석 및 환율 변동성이 실물경제 미치는 영향, 동북아경제연구, 34권
2호
- 인플레이션 발생 원인에 대한 서울 아파트 자산 헤지 효과에 관한 연구, 부동산연구,
33권 1호
- 초과 유동성과 전국 아파트 가격 간의 관계에 대한 연구, 부동산분석, 9권 1호
- 통화 긴축기 가계부채 경로를 통한 실물경제 반응 분석, 국제지역연구, 28권 1호