이자제한법제의 현황과 과제 : 일본법제와의 비교 = The current Situation and Problem of the Interest limit legislation - The Comparison of Japan law

국문 초록 (Abstract)

우리나라의 이자제한 법제는 연혁적으로 고유한 우리의 법제나 선진적 입법례를 포기하고 일본의 이자제한법제를 계수하였다. 따라서 우리나라와 일본은 이자제한법제에서 각국의 상황에 따른 차이점을 지니고 있지만, 상당한 공통점을 가지고 있다. 이 논문은 이에 착안하여 우리의 이자제한법제와 일본의 이자제한법제를 검토하여, 문제점을 파악하고 그에 관한 법정책적 해결방안을 제시하였다. 이 연구에서 발견한 내용은 첫째, 양국의 공통된 문제는 고금리에 의한 서민들의 금융이용에서의 어려움과 사회적 문제이다. 둘째는 일본은 사회적 합의를 바탕으로 이자제한법제를 정비하여 2010년부터 고금리의 문제를 상당부분 해결하였다는 것이다. 셋째 우리의 이자제한법제는 아직 후진적 법제도에 머물고 있어 고금리에 의한 사회적 폐해가 현존하고 있다. 이 연구에서는 우리의 이자제한법제의 정비방안을 제시하여 우리사회의 고금리의 폐해를 제거하고, 서민들이 시장금리에 의한 금융이용의 건전성을 확보함으로서 법적 정의를 실현하자는 주장을 하였다. 즉 이자제한법제의 법정책적 방향론을 제시하였다.

다국어 초록 (Multilingual Abstract)

Our country and Japan have similar legal system about the interest limit.
The limit by special law which is not the civil affairs principle of law is same, and the system of the Interest Limitation Act which is applied to general and Act on Registration of Credit Business and Protection of Finance Users which is applied to the specific industry is such.
Such appearance is because the legislation of my country to exclude received the legislation of Japan. Consequently, We had almost similar problem with Japan about the problem of the interest limit.
Japan solved a suitableness part problem by the revision law from 2006.
This can say that the thing to hint is big at our interest limit legislation.
Japan's regulation method and penal provisions is different from the Japan Interest Limitation Act and the Act Regulating the Receipt of Contributions, Receipt of Deposits and Interest Rates regulation rate of interest. Japan abolished "Grey Zone Interest" so called which it came into being for such reason.
Namely, the criteria of the Act Regulating the Receipt of Contributions, Receipt of Deposits and Interest Rates of the detective punishment is to lower the limit rate of interest to become to a limit rate of interest level of the Japan Interest Limitation Act.
The duality consists of Act on Registration of Credit Business and Protection of Finance Users which the Credit Business does to be registered to limit the interest rate in the money difference contract, and the Interest Limitation Act. which the interest limit legislation of our country limits the interest rate of the sign of the money difference contract in person.
Interest Limitation Act limit rate of interest an existing 30% for a year, Act on Registration of Credit Business and Protection of Finance Users limit rate of interest an existing 44% for a year. With this thing which describes in the text, The law is guaranteing the high interest about the loaning business.
But any more, A duality law and order which guarantees the high interest about the loaning business does not have the adequacy. Moreover, By compare at the legislation case, the high limit rate of interest by the Interest Limitation Act corresponds to the high interest.
This paper put the law in good order and presented the direction of the interest limit legislation.
We lower to the level for the interest rate of the Interest Limitation Act to be proper, Eliminate a Act on Registration of Credit Business and Protection of Finance Users limit rate of interest regulation. We are the thing to take the order of the Interest Limitation Act so that we are identical.

목차 (Table of Contents)

• 국문초록
• Ⅰ. 서설
• Ⅱ. 우리나라 이자제한법제의 현황
• Ⅲ. 일본의 이자제한법제의 문제와 해결
• Ⅳ. 우리나라 이자제한법제의 과제와 해결방안
• 참고문헌
• Abstract