각국의 금융교육 법제 연구 = A Study on Effective Framework for Financial Literacy Education in Korea

다국어 초록 (Multilingual Abstract)

Governments of developed countries such as United States, the United Kingdom are trying to strengthen the financial literacy. The OECD INFE has emphasized the importance of financial education. Indeed, Financial literacy has been globally acknowledged as a key life skill and as an important element of economic and financial stability and development since the financial crises.
This article introduces financial litercy education systems in other contries and Korea.
Korea has also been actively conducted financial education. In recent years, the establishment of the Financial Consumer Agency(KFCA) is scheduled to be built. KFCA is the quasi-independent agency that is installed under the Financial Supervisory Service(FSS) under the supervision of the Financial Service Commission(FSC).
Financial Consumer Protection Bill(FCPA) provides “The FSC shall endeavor to improve the consumer financial literacy(capability) to make informed choices in order to protect the financial interests of consumers and to be the financial consumers who are responsible for their own financial choices. The FSC shall develop a training program for improving the financial capability of consumer. The FSC shall consult with the administrative agencies, such as the Ministry of Strategy and Finance, the Fair Trade Commission. The FSC may be entrusted to KFCA Director or financial education organizations if necessary for the development of financial education program(§28).”
KFCA has the authority of financial education in accordance with the law. Above all, KFCA shall prepare a national strategy for financial literacy in order to remove inefficiencies and create one stop website to offer financial literacy education programs.
We recognize it is important that establish a legal and financial support financial education in cooperation with financial institutions, private organizations and communities, etc. We shall also develop effective evaluation system to improve financial literacy.

참고문헌 (Reference)

1 "한국투자자보호재단"

2 "한국은행 경제교실"

3 "한국은행"

4 "한국경제교육협회"

5 "청소년금융교육협의회"

6 "증권투자위원회"

7 금융감독원 보험연구팀, "주요국의 금융역량강화시스템 운영현황 및 시사점" 2008

8 "점프스타트"

9 "전국투자자교육협의회"

10 "재무부"

11 "재무부"

12 조영석, "우리나라 금융교육의 방향성 탐색" 대한경영학회 23 (23): 1185-1203, 2010

13 "신용관리교육원"

14 "소비자금융교육원"

15 안수현, "법⋅제도⋅집행⋅분쟁측면에서 본 금융소비자보호체제 평가" (13) : 2010

16 "기획재정부 어린이청소년 경제교실"

17 "금융홍보중앙위원회"

18 "금융투자협회"

19 "금융청"

20 "금융소비자보호국"

21 변혜원, "금융소비자교육의 논의동향과 시사점" 2010

22 "금융교육재단"

23 "금융교육위원회"

24 "금융교육 태스크포스"

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26 "금융감독청"

27 "금융감독원 금융교실"

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29 "개인금융교육연합회"

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32 GAO, "The Federal Government’s Role in Empowering Americans to Make Sound Financial Choices"

33 FCAC, "Moving Forward with Financial Literacy"

34 Atkinson, A., "Measuring Financial Literacy; Results of the OECD INFE Pilot Study" OECD Publishing 2012

35 "KDI Clic 경제교실"

36 OECD, "Improving Financial Literacy: Analysis of Issues and Policies" 2005

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38 OECD, "High-level Principles on Financial Consumer Protection"

39 GAO, "Financial Literacy and Education Commission- Further Progress Needed to Ensure an Effective National Strategy"

40 GAO, "Financial Literacy and Education Commission, Progress Made in Fostering Partnerships, but National Strategy Remains Largely Descriptive Rather Than Strategic"

41 George A. Walker, "FINANCIAL CRISIS-U.K. POLICY AND REGULATORY RESPONSE" 2010

42 Gary Rabbior, "Case Studies of International Financial Education Initiatives" Canadian Foundation for Economic Education 2011

43 Task Force on Financial Literacy, "Canadians and Their money; building brighter financial future"