일본의 서민금융제도와 소비자문제：제도적 측면에서의 한국과의 비교 분석

Abstract

The true picture of consumer credit service problems and consumer protection, and the laws and policies regarding to the issues in Japan imply many things to Korea since two countries share a similar financial and economical circumstance. In particular, Japan's new moneylending legal system, which was designed mainly to protect consumers on consumer financing policy at the end of 2006, suggests how Korea should improve its legislative and administrative system. For example, Japan and Korea, both countries issued a policy which regulates interest rates to ease off consumers' distress on consumer credits；this policy suggests that a ceiling level of interest rates in Korea is excessively high so that it needs to be cut down；also we should regulate any illegal behavior of credit lenders in a effective way. In addition, in the matter of accrued liabilities or excessive liabilities, it is necessary to keep an eye on Japan's aggregate amount regulations even though the effectiveness is not yet proved. What is more, it is essential to scrutinize into the sincere efforts of Japanese government and social groups on consumer financing policy and consumer issues, such as issue of the 'gray zone interest rates' under the new moneylending legal system of Japan.