학술논문
금융소비자보호의 문제점과 개선방안에 관한 연구
이용수 363
- 영문명
- A Study on the Problem and Improvement of the Protecting Financial Consumers
- 발행기관
- 중앙대학교 법학연구원
- 저자명
- 변환철(Byun, Hoan-Cheol) 이재성(Lee, Jae-Seong)
- 간행물 정보
- 『법학논문집』法學論文集 第37輯 第1號, 169~205쪽, 전체 37쪽
- 주제분류
- 법학 > 법학
- 파일형태
- 발행일자
- 2013.03.31
7,240원
구매일시로부터 72시간 이내에 다운로드 가능합니다.
이 학술논문 정보는 (주)교보문고와 각 발행기관 사이에 저작물 이용 계약이 체결된 것으로, 교보문고를 통해 제공되고 있습니다.
국문 초록
영문 초록
This paper explores problems of the existing protection system of financial consumer and examines what kinds of law should be improved in order to protect the consumer.
Recently, many have perceived the need to strengthen the system of financial consumer since the United States sub-prime mortgage infecting the world collapsed. Although the Korean financial industry has developed quantitatively and qualitatively, the most important aspect of consumer side to consider is that the industry has rarely growed. Thus the financing system should be checked in order to protect consumers under this condition.
The current provisions of financial consumer protection have inconsistent system and contain the possibility of dispute caused by the classified financial protection as partition walls. The Capital Market and Financial Investment Business Act 2007 has helped not the consumer protection but the investor protection. The Financial Supervisory Service has not played a major role in not only strengthening consumer protection due to the inordinate supervision of every financial group on the basis of consolidated finance, but also helping the damaged consumer because of inappropriate financial suit.
For better system of the consumer protection, the following are suggested. Firstly, the government should introduce the Financial Consumer Protect Act to resolve disputes such as the difference of regulation and the lack of agreement. The Financial Consumer Protect Act should include as follows and provide the pre and pro protection with the financial consumers.
1. The purpose of making laws, the definition of financial consumers and financial goods, the general principle of financial consumer protection
2. The regulation of business distributors such as the duty of explanation, the principle of suitability, the regulation of advertisement and agreement.
3. Consumer protection agencies taking charge of protecting financial consumers.
4. Financial dispute resolution and civil procedure as a pro protection.
5. Introducing laws for financial education.
For protection financial consumers, the function of advanced supervision is needed. The Financial Supervisory Service in Korea acts like the British's financial supervisory does, that is, the Financial Supervisory Service mainly focuses on consumer protection. However, unlikely the British's one, the Financial Supervisory Service faces a difficult situation between the financial supervisory and the consumer protection. Thus both introducing the Financial Consumer Protect Act and establishing Consumer Financial Protection Agency should be considered.
목차
Ⅰ. 서론
Ⅱ. 금융소비자보호의 개념과 각국의 금융소비자보호 현황
Ⅲ. 우리나라 법상 금융소비자보호의 문제점과 개선방안
Ⅳ. 결 론
참고문헌
Abstract
키워드
해당간행물 수록 논문
- 프랑스 아동보호법에 관한 연구
- EU의 개인정보보호감독관 제도와 국내 관련법에 대한 시사점
- 외국인범죄 실태와 대응방안
- 교통법규위반과 죄수(罪數)
- 금융소비자보호의 문제점과 개선방안에 관한 연구
- 현행 기관소송제도에 관한 소고
- Das deutsche Jugendamt: Geschichte, Organisation, Aufgaben
- 「경범죄 처벌법」상의 과다노출 행위에 관한 검토
- 전자소송시대의 ADR의 재조명
- 독일 아동청의 역사, 조직 및 임무
- 「도시 및 주거환경정비법」상의 각종 인가의 법적 성질에 관한 소고
- 미국의 아동 성범죄 피해자 증언 관련 법리
참고문헌
관련논문
최근 이용한 논문
교보eBook 첫 방문을 환영 합니다!
신규가입 혜택 지급이 완료 되었습니다.
바로 사용 가능한 교보e캐시 1,000원 (유효기간 7일)
지금 바로 교보eBook의 다양한 콘텐츠를 이용해 보세요!