금융 ADR제도의 법제정비 방안 = Legislative Recommendations for Reforming the Financial Alternative Dispute Resolution

다국어 초록 (Multilingual Abstract)

The recent financial market is changing rapidly due to deregulation and internationalization of financial companies with the flow of side work. Because of the development of the financial market, financial consumers who use financial products and financial services are also increasing. As the varied and complex financial products and financial services appeared, consumers who little have the financial knowledge made the public finance-related complaints and disputes. In particular, unlike consumer disputes and conflicts, the case of financial has features, such as expertise, complexity, uniqueness, so efficient dispute resolution is difficult. In addition, financial consumer finance company in resolving the dispute over economic, informative, an absolute disadvantage in bargaining power between the parties in dispute resolve the dispute as fair is difficult.

In general, in relation to financial products and financial services, as a dispute occur, parties can choose to resolve the dispute the Parties agree, through litigation method, dispute resolution by self-regulatory organization. First, through an agreement between the parties is the easiest and fastest way to resolve disputes. However, there may be trouble -unfair agreements, implementation agreements- in the process of agreement in case either party has a relatively prominent position.
Second, to resolve the dispute through litigation through the state judicial bodies to resolve disputes in a definitive is the most powerful way. However, there are problems such as excessive ordination costs, delays in dispute resolution, procedural complexity, unfit for a small-sum.
Third, using dispute resolution by self-regulatory organization for dispute resolution by ADR is a way to resolve the dispute.

ADR is alternative dispute resolution designed for the purpose of resolving the problems of litigation. ADR induces voluntary participation of the parties to the dispute, rapid and simple, flexible, and more reasonable dispute in accordance with the procedures. In addition, it resolve disputes with financial experts who satisfy certain requirements and dispute resolution procedures are characterized of the closed proceedings. Typically the type of ADR settlement, conciliation, mediation, arbitration are being utilized.
And the United Kingdom and the United States, Australia, Canada, Japan and other major financial countries heightened the interest in ADR in the financial and institutional finance for the activation of ADR proceeds are constantly looking for improvements.

In Korea, the Financial Supervisory Service(FSS), the Korea Consumer Agency(KCA), the Korea Exchange(KE), the Korea Financial Investment Association(KFIA), etc. with ADR Financial Dispute Resolution doing business has been. Even the Korea Consumer Agency(KCA) and all disputes relating to the consumer's life it is intended to resolve them, and the Financial Supervisory Service Director is subject to all financial related disputes that are the target.
Thus, Korea's dispute resolution institutions required stable and easy to access dispute the settlement resolves the system in order to develop finance the event of any dispute unified and systematic basis through quickly and smoothly resolving disputes for financial institutions or financial consumer's trusted financial dispute resolution institution. In addition, for the activation of an financial institutions ADR system, continued improvement and promotion activities and public relations efforts to improve the level of financial consumers should be carried out through financial education.

This paper consists of a total of five chapters,
In chapter 1, based on the perception and the purpose and scope, the research methodology is presented.
In Chapter 2, an overview of the financial system as ADR concepts and capabilities, Based on this overview of the banking and financial ADR.
In Chapter 3, ADR system is one of the important features of the financial consumer protection by examining the relationship between financial consumer protection through financial ADR refers to the need for the overall financial structure. ADR and the nation's financial system, public financial institutions and dispute resolution providers were divided into autonomous financial institution to inspect the current status of Korea Financial Dispute Resolution ADR system should identify the status of the dispute process.
In chapter 4, First, we will examine the financial status of ADR in Korea. And the financial problems of ADR are also presented as procedures, effects, classified, operating and maintenance by three phases.
Finally, Chapter 5, we summarizes from Chapter 2 to Chapter 4, find of our country ADR financial institutions to move on to the basic direction and emphasizes the need for the maintenance of law.

목차 (Table of Contents)

• 제1장 서론 1
• 제1절 연구의 목적 1
• 제2절 연구의 구성 및 범위 5
• 제2장 금융 ADR의 개요와 현황 7
• 제1절 서설 7
• 제2절 ADR의 의의 8
• I. ADR의 개념과 기능 9
• 1. ADR의 개념 9
• 2. ADR의 기능 9
• II. ADR의 유형 10
• 1. 해결방법에 따른 분류 10
• 2. 운영주체에 따른 분류 16
• III. ADR의 한계 17
• 제3절 금융 ADR의 개요 18
• I. 금융 ADR의 의의 18
• 1. 금융 ADR의 개념과 기능 18
• 2. 금융 ADR의 범위 20
• II. 금융 ADR과 금융소비자보호 24
• 1. 금융소비자의 개념 24
• 2. 금융소비자보호의 필요성 28
• 3. 금융 ADR과 금융소비자보호와의 관계 32
• 제4절 우리나라 금융분쟁처리의 실태 34
• I. 공적기관의 금융분쟁처리 실태 34
• 1. 금융감독원의 분쟁처리 현황 34
• 2. 한국소비자원의 분쟁처리 현황 36
• II. 자율규제기관의 금융분쟁처리 실태 39
• 1. 한국거래소 시장감시위원회의 분쟁처리현황 39
• 2. 한국금융투자협회 분쟁조정센터의 분쟁처리현황 40
• 제3장 외국의 금융 ADR제도 41
• 제1절 서설 41
• 제2절 영국의 금융 ADR제도 44
• I. 금융 ADR제도의 개요 44
• 1. 금융 ADR제도의 연혁 44
• 2. 영국의 금융개혁법 46
• II. 옴부즈만제도의 체계 50
• 1. FOS 50
• 2. 분쟁해결의 절차 54
• 제3절 북미권의 금융 ADR제도 62
• I. 미국의 금융 ADR제도 62
• 1. 금융 ADR제도의 개요 62
• 2. 금융 ADR제도의 체계 69
• II. 캐나다의 금융 ADR제도 76
• 1. 금융 ADR제도의 개요 76
• 2. 옴부즈만제도의 체계 78
• 제4절 아시아권의 금융 ADR제도 87
• I. 호주의 금융 ADR제도 87
• 1. 금융 ADR제도의 개요 87
• 2. 옴부즈만제도의 체계 89
• II. 일본의 금융 ADR제도 96
• 1. 금융 ADR제도의 개요 96
• 2. 금융 ADR제도의 체계 106
• 제4장 우리나라 금융 ADR제도의 법적 문제와 정비 115
• 제1절 서설 115
• 제2절 현행 금융 ADR제도의 현황 117
• I. 공적 규제기관의 금융분쟁조정제도 117
• 1. 금융감독원의 금융분쟁조정위원회 117
• 2. 한국소비자원의 소비자분쟁조정위원회 129
• II. 자율규제기관의 금융분쟁조정제도 134
• 1. 한국거래소의 분쟁조정심의위원회 134
• 2. 한국금융투자협회의 분쟁조정위원회 138
• III. 기타 금융분쟁조정기관 143
• 1. 대부업 분쟁조정위원회 143
• 2. 우체국보험분쟁조정위원회 143
• 제3절 금융 ADR의 절차상 문제와 정비방안 145
• I. 분쟁조정절차의 정비 145
• 1. 현황과 문제점 145
• 2. 정비방안 146
• II. 분쟁조정전치주의의 도입문제 149
• 1. 현황과 문제점 149
• 2. 정비방안 150
• III. 집단 금융분쟁조정제도의 도입 162
• 1. 현황과 문제점 162
• 2. 정비방안 164
• 제4절 금융 ADR의 효력상 문제와 정비방안 172
• I. 분쟁중재제도의 도입문제 172
• 1. 현황과 문제점 172
• 2. 정비방안 173
• II. 편면적 구속력의 인정문제 176
• 1. 현황과 문제점 176
• 2. 정비방안 177
• III. 분쟁조정의 시효중단효의 문제 187
• 1. 현황과 문제점 187
• 2. 정비방안 187
• 제5절 금융 ADR의 운영상 문제와 정비방안 188
• I. 분쟁조정의 대상 확대문제 188
• 1. 현황과 문제점 188
• 2. 정비방안 189
• II. 금융회사 내부 민원처리시스템 정비 189
• 1. 현황과 문제점 189
• 2. 정비방안 192
• III. 금융 ADR 통합기관의 설립문제 193
• 1. 현황과 문제점 193
• 2. 정비방안 195
• IV. 기타 금융교육 및 전문인력 육성 등 211
• 1. 현황과 문제점 211
• 2. 정비방안 211
• 제5장 결론 221
• 참고문헌 225