一、韩国实行由银证分业协调模式向混业协调模式过渡的背景(一)韩国大财阀自行设立大量非银行金融机构,严重冲击着传统的分业协调体制1．该业界中金融机构数量众多(1997年金融机构的数量分别为:证券公司36家,保险公司50家,租赁、投资信托、信用组合1973家),而银行因开业资格受到严格限制数量很少。1997年6月,银行与非 I. Background of South Korea’s transition from a bank-bank separation and reconciliation model to a mixed-industry and co-ordination model (I) The establishment of a large number of non-bank financial institutions by the Chaochang Korean government has a serious impact on the traditional separation and coordination system1. There are a large number of financial institutions in the industry (the number of financial institutions in 1997 was 36, securities companies, 50 insurance companies, leasing, investment trusts and 1973 credit portfolios), while the number of banks was severely restricted by the opening of their business. June 1997, Bank and non