한국 금융회사 마케팅 현황에 대한 탐색 연구

천성용 한국마케팅학회 2010 ASIA MARKETING JOURNAL Vol.12 No.2

Marketing financial services used to be easier. Today, the competition in financial services is fierce. Not only has the competition become more intense, financial services have also changed structurally. In an environment with various customer needs and severe competitions, the marketing in financial services industry is getting more difficult and more important than before. However, there are still not enough studies on financial services marketing in Korea whereas lots of research papers have been published frequently in some international journals. The purpose of this paper is (1)to review the literature on financial services marketing, (2)to investigate current marketing activities based on in-depth interview with financial marketing managers in Korea, and (3)to suggest some implications for future research on the financial services marketing. Financial products are not consumer products. In fact, they are not products at all in the way product marketing is usually described. Nor are they altogether like services. The financial industry operates in a unique way, and its marketing tasks are correspondingly complex. However, the literature review shows that there has been a lack of basic studies which dealt with inherent characteristics of financial services marketing compared to the research on marketing in other industries. Many studies in domestic marketing journals have so far focused only on the general customer behaviors and the special issues in some financial industries. However, for more effective financial services marketing, we have to answer following questions. Is there any difference between financial service marketing and consumer packaged goods marketing? What are the differences between the financial services marketing and other services marketing such as education and health services? Are there different ways of marketing among banks, securities firms, insurance firms, and credit card companies?In other words, we need more detailed research as well as basic studies about the financial services marketing. For example, we need concrete definitions of financial services marketing, bank marketing, securities firm marketing, and etc. It is also required to compare the characteristics of each marketing within the financial services industry. The products sold in each market have different characteristics such as duration and degree of risk-taking. It means that there are sub-categories in financial services marketing. We have to consider them in the future research on the financial services marketing. It is also necessary to study customer decision making process in the financial markets. There have been little research on how customers search and process information, compare alternatives, make final decision, and repeat their choices. Because financial services have some unique characteristics, we need different understandings in the customer behaviors compared to the behaviors in other service markets. And also considering the rapid growth in financial markets and upcoming severe competition between domestic and global financial companies, it is time to start more systematic and detailed research on financial services marketing in Korea. In the second part of this paper, I analyzed the results of in-depth interview with 20 marketing managers of financial services companies in Korea. As a result, I found that the role of marketing departments in Korean financial companies are mainly focused on the short-term activities such as sales support, promotion, and CRM data analysis although the size and history of marketing departments to some extent show a sign of maturity. Most companies established official marketing departments before 2001. Average number of employees in a marketing department is about 58. However, marketing managers in eight companies(40% of the sample) still think that the purpose of marketing is only to support and manage general sales activities. It shows that some companies have sales-orie... 투자상품의 확산, 고령화 등으로 인한 금융니즈 다양화와 자본시장법 시행으로 인한 금융회사간 치열한 경쟁으로 인해 금융산업 내에서 마케팅의 역할이 더욱 중요해지고 있다. 그러나, 지금까지 다른 산업에 비해 금융산업의 마케팅 연구는 상대적으로 부족하였다. 본 연구는 향후 구체적인 금융마케팅 연구들이 진행되기에 앞서 국내 금융마케팅 연구들을 정리하고, 국내 금융회사 마케팅 담당자를 In-depth 인터뷰하여 실제 국내 금융 마케팅 현황을 조사하였다. 이를 통해 향후 금융마케팅 연구에 필요한 시사점을 얻고자 하였다. 분석 결과, 다른 산업의 마케팅과 다른 금융 마케팅만의 고유 특징에 대한 이론적인 연구가 부족하였고, 금융산업 내에서 은행, 증권, 보험, 카드 산업 간의 마케팅 특징 차이에 대한 연구도 부족하였음을 알 수 있었다. 소비자행동 관점에서 금융고객의 의사결정 과정에 관한 연구도 부족하였다. 또한, 우리나라의 금융회사의 마케팅 현황은 외형적으로 어느 정도 성숙 단계에 접어들었다고 볼 수 있으나, 실제 업무는 여전히 과거의 영업지원, 혹은 프로모션 및 CRM 데이터 분석 등 단기적인 부분에 치중되어 있었다. 그리고, 은행, 증권, 보험, 카드 회사 등 각 세부 금융산업별 마케팅 담당자들이 중요하게 생각하는 금융마케팅의 키워드와 문제 인식 정도도 서로 다름을 알 수 있었다. 본 연구는 이러한 분석 결과를 바탕으로 향후 금융마케팅 연구를 위한 시사점과 함께 6가지의 연구명제를 제안하였다.

금융소비자의 비대면 금융생활서비스 이용 및 이용가능성 영향요인

김민정,김민정,박주영 한국FP학회 2022 Financial Planning Review Vol.15 No.1

This is an exploratory study to find ways to improve the financial well-being of consumers in the digital environment. To that end, experience with, and satisfaction from, non-face-to-face financial services, plus self-confidence and reliability were evaluated. In addition, we examine how these characteristics relate to their competency in financial management. The main results of this study are as follows. First, the proportion of those experienced in using simple payment services and mobile remittance services was over 90%. The rates of financial product subscriptions, utility/tax payments, and app card usage were around 80%, with loan services and insurance claims at around 60%. On the other hand, experience with using a household account book service and robo-advisors did not even reach 50%, and with robo-advisors in particular only one person in five had experience using one. Second, from examining those who had used non-face-to-face financial services, satisfaction with mobile remittance services was the highest, and satisfaction with simple payment services, which had the highest usage rate, was moderate. For household account books and robo-advisor services, which had low usage rates, satisfaction was also low. Third, self-confidence with non-face-to-face financial services was higher in younger age groups and college (or higher) graduates who had high subjective income levels, whereas those who had a propensity to consume, and those with a propensity to save, were at appropriate levels. In particular, for mobile remittance services, the difference in self-confidence between inexperienced and experienced users was the greatest. Fourth, differences were examined between financial competencies in financial management according to experience from using non-face-to-face financial services. Financial management knowledge, behavior, attitudes, and skills were found to be higher in those with experience using a service. Fifth, financial management knowledge and skills were found to be factors that increased possibility of using financial services, and financial management behavior was found to have a weak influence. 본 연구는 급속히 변화하는 디지털전환 환경에서 비대면으로 이루어지는 금융생활서비스 이용 경험과 만족도, 자신감과 신뢰감을 평가하고, 이러한 특성이 재무관리역량과어떠한 관계가 있는지를 살펴보았다. 첫째, 비대면 금융생활서비스 경험률을 살펴본 결과 간편결제 서비스와 모바일 송금서비스를 이용한 경험이 있는 비중은 90%가 넘을 만큼 대중화 되어 있는 것을 확인하였고 금융상품 가입과 공공요금/세금 납부, 앱카드 이용률은 80% 내외, 보험금 청구 서비스는 60% 내외로 나타났다. 반면 가계부 서비스와로보어드바이저 이용경험률은 50% 미만이었고, 특히 로보어드바이저의 경우는 5명 중1명 정도만 이용한 경험이 있는 것으로 나타났다. 둘째, 비대면 금융생활서비스 이용 경험자의 만족도가 가장 높은 서비스는 모바일 송금서비스였고 이용률이 가장 높았던 간편결제 서비스의 만족도는 중간 정도였으며 이용률이 낮았던 가계부와 로보어드바이저서비스의 경우는 만족도도 낮게 나타났다. 셋째, 비대면 금융생활서비스에 대한 자신감은 연령이 낮은 집단, 대졸 이상인 경우, 주관적 소득수준이 높은 경우, 소비성향과 저축성향이 적정수준인 경우 더 높게 나타났고 영남권에 거주하는 경우 충청강원권에 거주하는 경우보다 더 높았다. 또한 모든 비대면 금융생활서비스에서 이용경험이 있는 경우자신감이 더 높았고, 특히 모바일 송금서비스의 경우 무경험자와 유경험자 간의 자신감차이가 가장 컸다. 넷째, 비대면 금융생활서비스 이용경험에 따른 재무관리역량 수준의차이를 살펴본 결과, 서비스를 이용한 경험이 있는 경우 재무관리지식, 행동, 태도, 기술이 더 높게 나타난 경우가 많았다. 다섯째, 재무관리역량에 포함되는 지식과 기술은 비대면 금융서비스의 이용가능성을 높이는 요인으로 나타났고 재무관리행동의 경우 약하게나마 이용가능성에 영향을 미치는 것으로 나타났다.

The Financial Services View and the Growth of Korean Economy

소재환 한국자료분석학회 2008 Journal of the Korean Data Analysis Society Vol.10 No.6

This research tests the financial services view in the South Korean market, using the data from 1971 to 2007. The research examines the relationship between financial-market - whole Korean financial market(KSE+KOSDAQ+banks), whole financial market(KSE+banks), Korean securities market(KSE+KOSDAQ), securities market(KSE) and banks - intermediation services and the economic growth during the whole period from 1971 to 2007. In order to closely investigate the relationship between the financial-market intermediation services and growth after the outbreak of the financial crisis in 1997, it also examines three sub-periods: 1998-2001, 1998-2007, and 2002-2007. The results of the regression analysis show that the financial services hypothesis does not hold in South Korea(hereafter, Korea). This research finds a negative relationship between the Korean financial market services and the economic growth, opposite from the financial services view. In details, while the relationship of Korean securities market services to growth is insignificant, that of banks services to growth is significantly negative. It also finds that there has been the most significantly negative change in the 1998-2001 period post the 1997 financial crisis in the role of financial services for growth, compared to the other two sub-periods. This research tests the financial services view in the South Korean market, using the data from 1971 to 2007. The research examines the relationship between financial-market - whole Korean financial market(KSE+KOSDAQ+banks), whole financial market(KSE+banks), Korean securities market(KSE+KOSDAQ), securities market(KSE) and banks - intermediation services and the economic growth during the whole period from 1971 to 2007. In order to closely investigate the relationship between the financial-market intermediation services and growth after the outbreak of the financial crisis in 1997, it also examines three sub-periods: 1998-2001, 1998-2007, and 2002-2007. The results of the regression analysis show that the financial services hypothesis does not hold in South Korea(hereafter, Korea). This research finds a negative relationship between the Korean financial market services and the economic growth, opposite from the financial services view. In details, while the relationship of Korean securities market services to growth is insignificant, that of banks services to growth is significantly negative. It also finds that there has been the most significantly negative change in the 1998-2001 period post the 1997 financial crisis in the role of financial services for growth, compared to the other two sub-periods.

한국의 기 체결 FTA의 금융서비스 구조에 대한 연구

공수진 ( Kong Su Jin ) 홍익대학교 법학연구소 2017 홍익법학 Vol.18 No.2

우리나라가 체결한 대부분의 FTA는 금융서비스를 포함하고 있다. 본 연구는 우리나라가 체결한 자유무역협정(이하 `FTA`라 함)에서 금융서비스의 구조를 파악하고, 적용범위와 규범을 비교 분석하는 것을 목표로 한다. 이를 위해 먼저 WTO 체제에서의 서비스무역의 기본구조와 금융서비스 규정을 살펴보고, 지역무역협정에서의 금융서비스의 구조와 유형을 검토한 후 우리나라 FTA의 금융서비스를 분석한다. 우리나라 최초의 FTA인 한-칠레 FTA를 제외하고 모든 FTA가 금융서비스를 포함하거나 적어도 후속 협상을 통해 포함여부를 논의하도록 규정되어 있다. 특히 금융서비스는 국제무역의 근간을 이루는 분야이며 국제경제에 영향을 미칠 수 있는 분야이므로 정책적 민감성이 높은 분야로서, WTO 뿐만 아니라 FTA에서도 금융서비스에 대한 명확한 규범에 대한 논의가 이루어지고 있는 것으로 보인다. 그러나 FTA와 같은 양자/지역무역협정들이 증가하면서 다자체제인 GATS와 달리 FTA에서는 다양한 형태로 금융서비스가 규정되고 있다. 우리나라도 FTA 체결 건수가 증가하면서 FTA에서의 금융서비스의 구조와 양허방식이 다양하게 이루어져왔다. 다만, 과거 주로 GATS 규범과 금융서비스 부속서를 차용함으로써 금융서비스를 서비스무역의 일부로 규정하는 방식이 사용되었던 반면, 한미 FTA 체결 이후로는 금융서비스에 대한 독립 챕터(Chapter)를 두는 방식을 선호하는 경향이 보인다. 금융서비스의 민감성을 고려하면 여러유형 중에서도 독립된 금융서비스 챕터를 두는 방식이 당사국 공통의 이익을 반영하고 금융서비스의 특성을 고려한 원칙을 포함할 수 있다는 점에서 긍정적인 것으로 판단된다. 여전히 최근 체결된 FTA들도 GATS 방식에 기반하고 있는 경우가 많다. 그러나, 기존 GATS 방식은 FTA에서 지속적으로 발전하는 양상을 보이고 있다. 예컨대, 최근 FTA의 금융서비스 부속서를 살펴보면 GATS 금융부속서에 포함된 내용을 넘어, 신금융서비스, 투명성 등 새로운 규정들이 추가되고 있어 FTA 금융서비스는 급변하는 현실을 반영하면서 발전하고 있는 것으로 보인다. GATS와 달리 대부분의 FTA는 투자 규범을 포함하고 있으며, 투자는 필연적으로 상업적 주재를 통하여 서비스와 연계될 수 있다. 특히 서비스무역 규범과 투자 규범이 이중 적용되어 충돌할 가능성을 배제할 수 없는 경우가 발생할 수 있다는 점에서 주의가 필요하다. 이를 방지하기 위해서 일부 FTA는 서비스무역과 투자 챕터들간 적용 순위를 규정하거나 금융서비스에 대한 독립 Chapter를 별도로 규정함으로써 잠재적인 충돌가능성을 완화하고 있다. 이와 관련하여 우리나라가 체결한 FTA는 대부분 투자 챕터와 다른 챕터간 불일치가 발생하는 경우 다른 챕터가 우선 적용되도록 규정하고 있으며, 투자 챕터에서 금융서비스가 제외되도록 명시하고 있어 이러한 충돌 가능성을 높지 않을 것으로 전망된다. Most Free Trade Agreements (FTAs) concluded by Korea include financial services. This study is aimed at analyzing the architecture of financial services by reviewing and comparing the applicable scope and relevant rules in FTAs by Korea For this purpose, this study is composed of two parts: the basic structure of the GATS and financial services under the WTO framework and architecture and types of financial services in the regional trade agreements and in Korea`s FTAs. Except Korea - Chile FTA, all FTAs by Korea include or plan to include financial services. At least, subsequent negotiations on financial services are stipulated in FTAs without financial services. As financial services have policy sensitivity and closely related to international trade, most WTO Members have been trying to establish clear rules for financial services under FTAs. However, as the number of bilateral/regional trade agreements such as FTAs increases, rules and liberalization of financial services are stipulated in various forms. As for Korea, the architecture and structure of financial services in FTA became diversified. Since the Korea-US FTA, however, Korea tends to prefer a separate Chapters on financial services rather than a Chapters on Trade in Services based on GATS type rules and annexes. Given sensitivity of financial services, a separate Chapter dedicated to financial services seems desirable in that it is flexible to reflect common interests of the parties and to include the principles of specific aspects of financial services. Recently, it is observed that FTAs based on the GATS scheme are evolving. While FTAs include provisions similar with those under the GATS Annex on financial services, some provisions seem to reflect the rapidly changing environment on financial services by adding new regulations such as `new financial services` and `transparency`. FTAs are different from GATS as most FTAs include investment rules. Investment can inevitably be linked to trade in services, n particular through commercial presence (Mode 3). It should be noted that there is a possibility that legal conflicts may occur due to the dual coverage under trade in service and investment. In order to prevent potential conflict, like other FTAs, most Korea`s FTAs stipulate relationship between Chapters or provide a separate Chapter on financial services. Some of the Korea`s FTAs ensure that the other Chapters prevails over investment Chapter in case of inconsistency and excludes financial services from investment Chapter, while other FTAs provide a separate Chapter on Financial Services in order to avoid potential conflict.

일본의 금융서비스제공법과 우리나라 빅테크 플랫폼에 대한 규제 시사점

이효경 한국상사법학회 2021 商事法硏究 Vol.39 No.4

As a part of its national strategy, the Japanese government has loosened regulations by promoting innovation through FinTech to develop economy and to address social problems while pushing ahead market environmental improvement. On 12th of December 2019, the Working Group of the Financial System Council reviewed cross-sectional regulatory system in business conditions by amending Act on Provision of Financial Services and Payment Services Act, and it established new license in the area of finance intermediary service. This amendment allowed financial intermediation in all areas of banking, securities and insurance with the only one license for financial service intermediary business though there needed to acquire licenses for each financial area before. This one registry including financial services over banking, securities and insurance allows the financial intermediation without belonging to a particular financial agency to result into the convenience of customers by realizing a financial service platform. In this paper, I look into the definition of financial services intermediary business, work scope, entry regulation and numbers of regulations according to the business sector handled by financial service intermediary. The Act on the Protection of Financial Consumers will go into effect in March 2021 in Korea. Korea will be able to look for the implications such as revision of The Act on the Protection of Financial Consumers or enactment of related new law in the future given that the same act in Japan comprehensively regulates financial products and service which intermediate banking and securities etc. while keeping future digital financial service development in mind. 일본정부는 국가전략 일환으로서 핀테크를 통해 이노베이션촉진으로 경제발전과 사회 과제를 해결하기 위해 시장 환경정비를 추진하면서 규제를 완화해왔다. 2019년 12월 20일에 금융심의회의 WG에 따라 금융상품의 판매 등에 관한 법률, 자금결제에 관한 법률 등을 개정하여 업태횡단적인 규제체계를 재검토하고, 금융중개 영역의 라이센서 신설함으로써 종래에는 은행, 증권, 보험 각각의 분야에서 중개업 라이센스 취득이 필요하였지만, 이번 개정으로 금융서비스중개업의 라이센스만으로 은행증권보험 모든 분야에서의 중개를 허용하였다. 은행, 증권, 보험에 걸쳐있는 금융서비스를 하나의 등록으로 특정의 금융기관에 소속되지 않고 중개가 가능하며, 금융서비스판 플랫폼을 실현하여 고객의 편의를 도모할 수 있다. 본 논문에서는 금융서비스중개업의 창설에 따른 금융서비스중개업의 정의, 업무범위, 진입규제와 금융서비스중개업자가 취급하는 서비스 분야에 따른 각종 규제를 살펴본다. 우리나라도 최근 금융소비자보호법이 제정되어 2021년 3월에 시행을 앞두고 있다. 일본의 금융서비스제공법은 향후 디지털금융 발전 방향을 염두에 두고, 은행, 증권 등을 매개하는 금융상품 및 서비스에 대해 포괄적으로 규제하고 있다는 점에서 향후 우리나라에도 금융소비자보호법의 개정 또는 관련 신법 제정 등 시사점을 찾을 수 있을 것이다. 우리나라도 기존의 금융기관과 빅테크 기업 간의 파트너쉽 관계와 상생을 위하여 업권별 규제를 동일기능 동일규제로 개편하는데 박차를 가하며, 폭넓은 금융서비스를 취급할 수 있도록 금융서비스판 플랫폼을 실현하고 금융서비스시장 전체의 변화를 주시하면서 시장 환경정비를 추진해 나가야 할 것으로 생각된다.

주제별 논단 : 자본시장통합법의 쟁점과 과제 ; 「자본시장과 금융투자업에 관한 법률」제정안의 주요 내용 및 의견수렴 경과

최원진 ( Won Jin Choi ) 한국금융법학회 2006 金融法硏究 Vol.3 No.1

In June 2006, the government made a pre-announcement of the Financial Investment Services and Capital Markets Act. This act intends to increase intermediary functions of the capital market, strengthen investor protection, and promote competition and financial innovation of the finance investment industry. In pursuit of the purpose, the legislation has four basic principles. First, positive list system will be abolished and a comprehensive system will be introduced. This system will improve market efficiency and give more flexibility to the capital market. In the current positive list system, only the enumerated financial products can be devised and traded in the market. On the other hand, the comprehensive system allows all financial products, except for deposit and insurance products, to be developed and traded. This system introduces the concept of ``contract for differences`from the FSMA (Financial Services and Markets Act) of the United Kingdom, and the concept of ``investment contract`` from the Securities Act of the United States of America. Second, a functional regulation system will be introduced. This system applies same regulations for financial functions of same nature. Financial services will be reclassified into 6 financial investment services of dealing service, arranging service, collective investment service, discretionary investment advisory service, non-discretionary investment advisory service, and trust service, and regulations will be placed by service functions. Financial products and investors will also be categorized, and regulations will be applied based on its category. Financial products will be classified into securities, exchange traded derivatives, and otc derivatives, and investors will be divided into non-professional investor and professional investor. This measure will eliminate regulatory arbitrage and deficiencies of investor protection. Third, investor protection will be intensified through advanced investor protection vehicles. An internal control system, which includes product guidance, suitability principle, regulations on unsolicited calls, and conflict of interest prevention, will be introduced. Fourth, barriers among 6 financial investment services in the capital market will be removed. Companies will be able to cover all financial investment services. This removal process is expected to bring big size financial investment companies in the Korean capital market. This act is currently in the screening process under the Ministry of Government Legislation, and will be submitted to the National Assembly around the end of 2006. This act will take effect after one year and a half from its official announcement.

소셜 미디어 기반 금융 서비스의 비즈니스 모델: 사례 연구

함유근(Hahm Yu kun),이석준(Lee Seog jun) 건국대학교 경제경영연구소 2012 商經硏究 Vol.2016 No.2

국내외적으로 소셜 미디어(혹은 소셜 네트워킹 서비스)의 사용이 폭발적으로 증가하고 있다. 소셜 미디어는 단지 개인들의 새로운 소통 도구에 그치지 않고 산업 전반에 많은 영향을 미치고 있다. 금융산업도 예외는 아니어서 소셜 미디어를 활용한 다양한 서비스들이 새로이 나타나고 있다. 본 연구는 기존 금융 서비스를 보완하면서 틈새시장을 공략하여 새로운 수요를 창출하고 있는 소셜 미디어를 활용한 금융 서비스에 대하여 연구한다. 본 연구는 소셜 미디어를 활용한 금융 서비스 사례들을 분석하여 소셜 미디어 기반 금융 서비스라는 새로운 비즈니스 모델들을 정의하고 그 특징을 도출하는데 목적이 있다. 어떤 방식으로 소셜 미디어 금융 서비스가 고객들에게 가치를 창출하고 또한 어떤 메커니즘을 통해 이러한 서비스가 이익을 실현하는 지에 대하여 분석하고 그 사업 모델을 제시하고자 한다. 기존 서비스 대비 소셜 미디어 금융 서비스의 차이점을 비즈니스 모델 측면에서 분석해 보면, 제공하는 가치가 접근성과 편리함, 그리고 가격에 중점을 두고 있다는 점이 특징이다. 또한 가치창출이 순차적인 프로세스보다는 비순차적인 네트워크 형태로 이루어지며 그 네트워크가 개방적이고 수평적이다. 그리고 가치창출 참여자 면에서 소셜 미디어 서비스는 공동 가치창출 및 위험부담을 통해 서비스의 효과 및 효율성을 높이고 있다. Around the world, the number of social media(or SNS(Social Networking Services) user has growing explosively for the last few years and the widespread consumer adoption of the media has changes the landscape of financial service industry. Today’s financial services customers demand an ever widening array of service and communications choices from their institutions through social media. This study explores social media based financial services which complement existing services as well as create a new demand in niche market. By analyzing the cases of social media based financial services, such as social banking, social lending and social funding, this research examines the business model of social media financial services. Through this analysis it also defines how social media financial services create values and make profits. The key difference of social media financial services from existing services is in their value proposition, which emphasizes accessability, convenience and price. In addition, social media financial services cocreate value with the participants of the network and employ a open and non-sequential value creation process.

재무설계를 통한 재무복지의 향상에 관한 연구

오종윤(Jong Yoon Oh),최현자(Hyuncha Choe) 한국FP학회 2010 Financial Planning Review Vol.3 No.2

사람은 누구나 전 생애에 걸쳐 객관적 재무복지와 주관적 재무복지를 누리고자 한다. 하지만 직장 내 재직 연한의 단축, 평균수명의 증가 등이 개인이 벌어들일 수 있는 소득창출의 제약을 가져와 생애전반에 걸친 부의 획득에 제한을 가져온다. 반면에 사교육비의 증가, 주택마련 비용의 증가, 소비 수준의 상승 등으로 인하여 생애전반에 걸쳐 소비해야 하는 화폐의 양은 크게 증가하고 있다. 뿐만 아니라 우리나라는 향후 저출산, 인구고령화로 인하여 국가의 사회적 비용이 크게 증가할 것으로 예상되고 있다. 이러한 요소들은 직·간접적으로 개인과 가계의 재무복지 수준에 영향을 미칠 것이다. 따라서 본 연구는 재무설계가 이러한 제약을 극복하고 개인의 객관적·주관적 재무복지를 향상시키는데 어떠한 영향을 미치는지 국내 실증 자료를 가지고 분석하였다. 2008년 3월에 임관하여 2010년 6월에 전역 예정인 ROTC 임관장교들을 대상으로 하여 설문조사를 실시하였으며 설문조사를 분석한 결과 재무설계 유경험자들은 재무설계 무경험자들에 비해 상대적으로 높은 수준의 객관적·주관적 재무복지 수준을 가지고 있는 것으로 나타났다. 이러한 연구 결과는 향후 국내 재무설계 정착과 발전에 긍정적인 영향을 줄 수 있을 것으로 기대된다. Many people want to enjoy their objective and subjective financial wellness over their whole life. But there are many obstacles in their life. A short term of office, extension of the average life span, etc may restrict to generate income over the whole life. And they will undergo a aged society. These factors will impact their financial wellness in these situations. This study empirically examined the effects of financial planning on the improvement of financial wellness using the data of Reserve Officer"s Training Corps(ROTC). To accomplish the purpose of study, objective and subjective financial wellness status of ROTC those who had experienced financial planning and counseling services were compared with those who had not experienced financial planning and counseling services. Data for this study were from a questionnaire and descriptive statistics, chi-square test and t-test were used. In the empirical tests, officers who had experienced financial planning and counseling services have higher objective and subjective financial wellness status than the other officers who had not. Based on this result, followings could be suggested that the application of financial planning is an effective way of improving consumer"s financial wellness and comprehensive financial planning and counseling services should be developed as a basic product by financial intermediaries.

금융위기와 자본시장법 : 금융소비자보호를 중심으로

성승제(Seoung-Je Seong) 한국비교사법학회 2010 비교사법 Vol.17 No.1

Financial crisis which started in 2007 is being continued for several years. In the effect of crisis, there are many debates on its cause and solutions. However, traders of financial products who are known as investors are divided into professional investors and normal investors under Financial Investment Services Provider Act. Normal investors have characters of consumers. These consumers equip characteristics such as weak position in the market, lack of information and professionalism and reliance to professional financier. Then normal investors may belong to consumers who are protected under Constitution Law Article 124. Including financial consumers into subject of consumer protection, this can be one of the methods to confront with financial crisis such as strengthening financial network. Protection of investors under Capital Market and Financial Investment Services Provider Act has critical defect that it was incompetent in its role as protection of individuals’ property and social financial network, due to too much emphasis on contract principle, which was proven during international financial crisis. In order to supplement this weakness, if we adopt the concept of ‘financial consumer protection’, and strengthen the area which is covered by it, this can be the backbone of prevention of transaction of toxic assets which is the evident of failure of financial market which is caused by market failure of individual with lack of information (for example, subprime mortagage situation) or market failure due to cut-throat competition of financial companies. This theory can be proven by the case in Canada where Financial Agency of Canada has limited the transaction of subprime by large banks to financial consumers, was able to avoid the Canada financial crisis. There foreth is paper will suggest on several things as a solution for financial crisis: first, the adoption of concept of financial consumer, second, a demand for supplemental system which concentrates on protection of investors’ assets by applying the concept of financial consumer under Capital Market and Financial Investment Services Provider Act rather than protecting the rights of investors’, third, there is a need to build an exclusive responsible organization for financial consumer protection.

Mixture Model을 활용한 중고령 금융소비자 유형 연구

백은영(Eunyoung Baek),고화정(Hwa Jung Kho) 한국FP학회 2015 Financial Planning Review Vol.8 No.1

최근 전 세계적인 고령화 추세에 따라 실버경제에 대한 관심이 높아지는 가운데, 중고령자에 대한 관심과 분석은 그 어느 때 보다도 중요한 과제가 되고 있다. 이에 본 연구는 중고령 금융소비자들이 어떠한 유형으로 구분되는가를 분석하여 중고령 금융소비자 시장이 어떻게 구분되고 형성되어 있는지를 파악하고자 하였다. 이를 위하여 본 연구에서는 mixture model을 활용하여 중고령 금융소비자를 유형화하였다. 설문 조사를 통해 수집된 50대 이상 중고령 금융소비자를 분석한 결과, 중고령 금융소비자는 2개 유형으로 유형화되었다. 전체 65%정도를 차지하는 유형 1은 ‘편의지향형’으로 소득 및 자산 보유액은 다소 낮고 경제적 측면이나 금융관련 능력, 금융지식 등이 중하 정도 수준으로 평가되는 집단으로 나타났다. 이 유형은 금융기관 거래동기나 금융정보 획득 경로등을 분석해 보건데, 금융기관 거래에 다소 수동적인 경향을 띄므로 금융상품이나 서비스에 깊은 관여를 하기 보다는 가까운 위치를 선호하거나 미디어나 지인 등 주변에서 쉽게 접근할 수 있는 금융 정보에 상당 부분 의지하는 경향을 보이는 등 편의중심적으로 금융거래 성향을 띄고 있다. ‘금융상품 및 서비스 지향형’으로 명명된 두 번째 집단인 유형 2의 경우는 전체의 35%에 해당하는 집단으로 소득 및 자산이 많고, 경제적 상황 및 능력이 중상 정도 이상인 집단이다. 금융기관 이용 형태에서는 유형 1과 유사한 행동도 일부 보였지만, 보다 금융상품이나 전문가 서비스를 지향하며 자산이 있는 만큼 좀 더 적극적으로 금융기관의 상품이나 서비스를 활용하고자 하는 성향을 보이는 유형인 것으로 나타났다. Due to the increase in an aging population, the interests in the silver economy in global market have been growing. As the interests in the silver economy have emerged, the attention on senior market and the importance of analysis of this market have increased. Thus, the study was conducted to analyze the market segmentation of senior financial market and to investigate the characteristics of each segmentation to broaden the understanding of senior financial market. In order to achieve the purpose of the research, the study utilized a mixture model. The results of 396 senior financial consumers collected by a survey showed that senior financial consumers were divided into two groups. One is "convenience oriented consumers" (65%), the other is "financial products and services oriented consumers"(35%). In terms of each group"s characteristics, the convenience oriented consumers had relatively low level of income and assets. They did not have much confidence in their financial ability and did not have enough financial knowledge. Their transaction motive of financial institutions and the channel of obtaining financial information indicated that they had a passive attitude towards financial transaction. Thus, they seemed that they did not highly involved in financial products and services. Rather, they preferred the ease of access of financial institutions and relied on information that they could easily obtain. However, the financial products and services oriented consumers had much more income and asset compared to the convenience oriented consumers. This group of consumers were affluent group in terms of their economic conditions. They were more likely to highly involved in financial products and services and would like to have financial services from the expert.