금융투자상품 불완전판매와 고령투자자 보호방안

• 영문명: Incomplete sale of Financial Investment Products and Protection of Older Investors
• 발행기관: 충북대학교 법학연구소
• 저자명: 김윤정(Kim Yun jeong)
• 간행물 정보: 『법학연구』第27卷 第2號, 625~656쪽, 전체 32쪽
• 주제분류: 법학 > 법학
• 파일형태: PDF
• 발행일자: 2016.12.30

영문 초록

According to Statistics Korea, Korea has already entered an aging society with 7% of the Population aged 65 and over in 2000. And Korea is expected to enter aged society with 14% in 2017, super-aged society with 20.8% in 2026. Thus, our society is rapidly aging, but the average life is getting longer due to the development of medical technology. Life expectancy is also getting longer because of higher social and economic level. The average life and life expectancy is over 80 years of age in 2015, and 100 years of age is approaching soon. However, retirement age is declining. The average retirement age for Korea workers is only 53 years old. This means that Koreans live more than 30 years after retirement. Therefore, the progress of the aged society will affect household savings, investment and financial asset holdings. After retirement, senior prefer safe assets such as deposits, pensions and bonds. However, senior are getting harder to cover their old-age living expenses due to a rise in prices and low interest rate. Also banks are selling financial products that do not guarantee principal by enforcement of the Capital Market and Financial Investment Provider Act. Older investors often suffer damage on account of incomplete sales of financial companies. The complaints and disputes of Older investors due to incomplete sale of the financial company are increasing every year. Older investors need special protection because they are easily deceived by investors and difficult to recover. Therefore, I would propose the solution for this situation by analyzing the damage of older investors with incomplete sales of financial product.

목차

Ⅰ. 머리말

Ⅱ. 고령투자자의 특성과 보호 필요성

Ⅲ. 고령투자자의 투자피해현황

Ⅳ. 현행 고령투자자 보호법제와 개선방안

Ⅴ. 맺음말

참고문헌

Abstract

키워드

고령사회 금융투자상품 자본시장법 표준투자권유준칙 설명의무 적합성의 원칙 적정성의 원칙 society of advanced age financial investment products Capital Market and Financial Investment Provider Act Standard investment advice rule liability for explanation suitability rule appropriateness rule