금융소비자보호제도의 입법동향 = The Legislation Trend of the Protection of Financial Consumer System

다국어 초록 (Multilingual Abstract)

Recent global financial crisis that hit the world has promoted financial system soundness in many countries. Since then they have recognized the necessity of the protection of financial consumers. The South Korean government builds regulations after experiencing the sale of financial goods such as KIKO(Knock In Knock Out) and the cases of saving banks’ reckless loan to contractors by revising the finance-related laws.
There has been lots of discussions, seminars about the protection of financial consumer system and debates on the Protection of Financial Consumer Bill for protecting consumers. Especially, the debates focused on issues as followings - the enactment of the Protection of Financial Consumer Bill and the separation of the protective functions of financial consumer from the Financial Supervisory Service.
Concretely, the South Korean Government has been urged to legislate on the Protection of Financial Consumer Bill and the propose an amendment to the Financial Supervisory Service. There is currently pending 3 legislative bills which is to build the new organ of government for protecting financial consumer in Congress now.
However, there has been critical opinions that introducing such bills in parliament can lead disorder in case the right individual for a start up business is not clear and the regulatory bodies may overlap because of the separation of Supervisory organ. It is not straightforward to reform financial regulatory system, since Korea faces two big elections, such as the national assembly election and the presidential election in 2012.
Thus, in order to protect financial consumers, it is important to build suitable systems for Korean finance markets while Korean finance reform keeps pace with world finance reform.

목차 (Table of Contents)

• Ⅰ. 머리말
• Ⅱ. 우리나라 금융소비자 보호제도의 현황
• Ⅲ. 금융소비자보호를 위한 향후 입법 과제
• Ⅳ. 맺음말
• 참고문헌
• Abstract