일본의 방카슈랑스제도 운영에 관한 연구 - 폐해방지 대책을 중심으로 -

Abstract

Bancassurance was first introduced in Europe in 1980's and spread to various countries such as the United States, Australia and Japan. The Korean market adopted bancassurance in 2003 to allow banks and securities companies to market insurance products. At first, the regulatory body allowed banks to sell insurance products with aim to enhance consumer's convenience using banks' wide sales networks and bring down insurance premium. However, consumers' complaint about unfair and incomplete sales by banks continues to be heard. The purpose of this study is to examine preventive measures adopted by the Japanese Financial Services Agency to protect consumers from abusive practice of bancassurance, and draw up possible solutions to improve Korea's operating system of bancassurance. First, we will take a look at bancassurance operating system adopted in the Japanese market in chapter II. Second, we will examine problems in the Japanese bancassurance system and possible solutions to them in chapter III. In chapter IV, we will probe into current bancassurance system in Korea. Based on outcome derived from chapter Ⅴ, we will present ways to improve the bancasurrance operating system in Korea.