CAJ | 학술논문

肇始于2007年8月的全球金融危机证明了有效的银行跨境危机管理框架的重要性。危机前大型国际活跃银行所从事金融交易的范围、规模和复杂程度以一种前所未有的方式增长，但处置具有系统重要性的跨境银行的工具和技术却并未得到同步的发展与完善。金融危机中一系列跨境银行失败事件证明了既有处置技术的不充分性，进而导致各国处置跨境银行的行动反应缓慢，最后不得不利用公共资金救助金融体系。为实现保护公众利益和有效处置问题银行的政策目标，国内层面需要引入问题银行特殊处置机制，在国际层面需要建立跨境银行处置协调制度安排。具体到全球系统重要性银行，事前专门制定的处置协调协议是一种确保未来全球金融体系稳定和弹性的制度创新。
조시우2007년8월적전구금융위궤증명료유효적은행과경위궤관리광가적중요성。위궤전대형국제활약은행소종사금융교역적범위、규모화복잡정도이일충전소미유적방식증장，단처치구유계통중요성적과경은행적공구화기술각병미득도동보적발전여완선。금융위궤중일계렬과경은행실패사건증명료기유처치기술적불충분성，진이도치각국처치과경은행적행동반응완만，최후불득불이용공공자금구조금융체계。위실현보호공음이익화유효처치문제은행적정책목표，국내층면수요인입문제은행특수처치궤제，재국제층면수요건립과경은행처치협조제도안배。구체도전구계통중요성은행，사전전문제정적처치협조협의시일충학보미래전구금융체계은정화탄성적제도창신。
Began in August 2007,the global financial crisis proved the importance of effective bank-ing cross-border crisis management framework.Before the crisis,big international active banks grew in an unprecedented way in the scope the scale and complexity of financial transactions,but the tools and techniques of the disposal of systemically important cross-border bank didn’t get synchronous de-velopment and improvement.a series of cross-border Banks failed events in Financial crisis proved that the inadequacies of the disposal technology,which resulted in the disposal of cross-border Banks’ slow action and had to use public funds to rescue the financial system finally.For protecting the pub-lic interests and effective disposal of problem bank’s policy goals,we should introduce special dispos-al system at the domestic level and build a cross-border bank disposal coordinate system arrangement at the international level.Specifically,to global systemically important Banks,specifically formulating the disposal coordination protocol is an advance system to ensure the stability and flexibility of global financial system in the future.