금융소비자보호 기본법안의 금융분쟁조정제도에 관한 고찰
A Study on the Financial Dispute Settlement System of the Basic Bill of Protecting Financial Consumers
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The dispute can generally be resolved by a lawsuit in order to solve it. But dispute resolution through lawsuits takes a lot of time & money to make progress. The dispute settlement system except lawsuits should be briskly operated for financial consumers in poor economic condition which is not able to get the information and make progress a lawsuit, because the information asymmetry between financial firms and consumers in the financial dispute is large. Currently, dispute resolution system other than the current litigation in financial disputes is the Financial Dispute Settlement System. The Financial Supervisory Service, the Korea Consumer Agency, the Korea Exchange, the Korea Financial Investment Association and so on are existed as bodies mainly implemented financial dispute settlement, but its effectiveness substantially is not high, so the protection of financial consumers is in poor situation. For this entire process of financial dispute settlement system, we will discuss about a basic bill for the protection of financial consumers pre-announced by the government on June 28, 2016, and propose a scheme for strengthening of the financial consumer protection. Looking into the financial conflict prevention system for the protection of financial consumers, the majority of financial consumers using various and complex financial products and services suffered damage relatively from the lack of specialized financial information and knowledge about financial products. Therefor, as institutional supplementation to prevent financial disputes, it will be made the business conduct regulation of selling financial instruments, comparison of disclosure for instruments, advice on instruments and so on. The introduction of a system to give the single legally binding on Conciliation-prepositive principle and a mediation plan as adjustment measures is expected to heighten the effectiveness of the dispute settlement system. Finally, so as to prevent financial disputes, it should strengthen the capacity of financial consumers through financial education by establishing a education system. Besides, it will be protected the assets of financial consumers ensuring the effectiveness of relief for damage by introducing compensation fund for financial consumers.
Abstract
The dispute can generally be resolved by a lawsuit in order to solve it. But dispute resolution through lawsuits takes a lot of time & money to make progress. The dispute settlement system except lawsuits should be briskly operated for financial consumers in poor economic condition which is not able to get the information and make progress a lawsuit, because the information asymmetry between financial firms and consumers in the financial dispute is large. Currently, dispute resolution system other than the current litigation in financial disputes is the Financial Dispute Settlement System. The Financial Supervisory Service, the Korea Consumer Agency, the Korea Exchange, the Korea Financial Investment Association and so on are existed as bodies mainly implemented financial dispute settlement, but its effectiveness substantially is not high, so the protection of financial consumers is in poor situation. For this entire process of financial dispute settlement system, we will discuss about a basic bill for the protection of financial consumers pre-announced by the government on June 28, 2016, and propose a scheme for strengthening of the financial consumer protection. Looking into the financial conflict prevention system for the protection of financial consumers, the majority of financial consumers using various and complex financial products and services suffered damage relatively from the lack of specialized financial information and knowledge about financial products. Therefor, as institutional supplementation to prevent financial disputes, it will be made the business conduct regulation of selling financial instruments, comparison of disclosure for instruments, advice on instruments and so on. The introduction of a system to give the single legally binding on Conciliation-prepositive principle and a mediation plan as adjustment measures is expected to heighten the effectiveness of the dispute settlement system. Finally, so as to prevent financial disputes, it should strengthen the capacity of financial consumers through financial education by establishing a education system. Besides, it will be protected the assets of financial consumers ensuring the effectiveness of relief for damage by introducing compensation fund for financial consumers.
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