수형자 대상 저축프로그램의 해외 사례연구: 한국에서의 적용가능성에 관한 소고 = Case Study on Saving Programs for Inmates: Discussion on the Possibility of the Program in Korea

다국어 초록 (Multilingual Abstract)

The purpose of this study is to introduce a matched savings program (one of the asset building programs) and to explore whether it is effective or efficient for successful re-entry, leading reduction of recidivism rate, for inmates. Drawing upon previous research and evidence, asset building has contributed to the ways in which people could have acquired confidence, made a specific plan for the future, and continued to take care of their family. Albeit those practical aspects that the program includes, the current correctional policy regards employment and income as the prime method for the re-entry: underestimating the importance of assets and making inmates struggle with asset poverty after entering their community. The U.K., Singapore, and Vermont in the US have once adopted the opening saving accounts program and the asset building program for prisoners; especially the Co-operative Bank in the U.K. found that the program was effective lessening recidivism rate. In contrast, in South Korea, there are no savings or asset-related programs for inmates but a number of matched savings programs for low-income households. Therefore, in order to achieve major goals of Korea correctional service, leading successful re-entry with preventing re-offending after release, this study suggests that introducing a matched savings program as a correctional service will be the way to accomplish those goals.

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