신용카드대란은 규제개혁의 부작용에 기인한 것인가?:규제개혁위원회의 결정사례에 대한 분석을 중심으로

초록

The so called credit card crisis, started from 2001, led to economic crisis resulting in producing lots of the credit delinquent and the poor credit card issuers in Korea. This paper analyzes how responsible the Regulatory Reform Committee(RRC) is, for prohibiting invitation of new card members on the street and limiting cash advance on the credit card, based on examination of process of deregulation and abolition of each regulation. Analysis of decision making process of RRC suggests that at current economic situation, those decisions of RRC seemed too faithful to principles of regulatory reform, and a little short of proposing flexible transient alternatives. That is, from the viewpoint of RRC, if RRC did understand socioeconomic situation and business environment more specifically and definitely, level and/or intensity of regulatory reform on these credit-card-related issues should have been a little more adjusted. In the end, lacking in fine-tuning and carelessness in decision making is deemed to produce very serious problem. This paper draws suggestions on present regulatory reform system, which is centered on regulatory reform system and regulatory reform process and procedure, with understanding problems mentioned above. Followings are proposed specific suggestions: disambiguation of responsibility among RRC and each Ministry, reinforcement of Regulation Evaluation Committee of each Ministry, introduction of high-speed evaluation system, education and training on each Ministry's officer for regulation alternatives, securement of attendance of interested parties in each subcommittee of RRC and offering sufficient suggestions, and enhancement of professionality of RRC.

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