우리나라 금융옴부즈만제도의 발전방향 = A Study on the Development of Korea's Financial Ombudsman System

다국어 초록 (Multilingual Abstract)

In order to pursue the consumer protection objective, many countries have introduced the financial ombudsman system which, as an alternative dispute resolution system within the private law domain, resolves complaints and disputes posed between consumers and financial companies for a relatively low cost without depending on the court's procedure. This paper compares their financial ombudsman systems of the major countries such as United Kingdom, Canada, Australia, etc. and derive some policy implications. Then it proposes some directions for further development of Korea's Financial Ombudsman System. In order to effectively pursue the consumer protection in the future, it is suggested that a new alternative dispute resolution institution be established, independent of influence from the Financial Supervisory Service(FSS) and/or financial industry.

목차 (Table of Contents)

• I. 서론
• II. 금융환경변화에 따른 금융소비자보호의 필요성과 동향
• III. 주요국의 금융옴부즈만제도의 특징과 정책적 시사점
• IV. 우리나라 금융소비자 보호제도와 금융옴부즈만 제도
• V. 우리나라 금융옴부즈만제도의 발전방향
• VI. 정책과제
• <참고문헌>

참고문헌 (Reference)

1 조재현, "헌법상의 청원권과 옴부즈만제도에 관한 고찰" 한국부패학회 12 (12): 77-96, 2007

2 김홍범, "한국의 금융감독과 공공부문 지배구조 , 한국금융의 새로운 패러다임"

3 김홍범, "한국금융감독의 정치경제학" 지식산업사. 2004

4 금융연구원, "일본,금융거래분쟁해결 대안기관 설립 추진" 16 (16): 2007

5 고형석, "일본 소비자분쟁과 소송외적 분쟁해결제도에 대한 연구" 한국소비자원 (35) : 19-40, 2009

6 국민고충위원회, "옴부즈만제도 연구자료집: 외국 전문옴부즈만 운영사례연구" 2004

7 오필환, "옴부즈만 제도의 발전방안 연구- 반부패활동과 지방자치단체의 옴부즈만을 중심으로 -" 한국부패학회 12 (12): 17-44, 2007

8 김지연, "영국의 금융 옴부즈만 제도에 관한 연구" 서울대학교 2008

9 심재승, "영국금융옴부즈만시스템의 운영체계와 기능에 관한 고찰" 한국부패학회 13 (13): 117-136, 2008

10 금융감독원, "소비자보호 제도 현황"

11 금융감독원, "금융감독원의 신문고,옴부즈만 제도 도입"

12 김홍범, "금융감독 이대론 안된다" 두산. 2002

13 국민고충위원회, "국내외 옴부즈만 제도" 2006

14 Davis, Stephen, "The New Capitalists: How Citizen Investors are Reshaping the Corporate Agenda" Harvard Business School Press 2006

15 "OBSI"

16 Gray,Joanna, "Financial Ombudsman's Statutory Powers: Successful High Court challenge by financial Adviser Firms" 15 (15): 487-491, 2007

17 "Financial Ombudsman Service"

18 "Federal Reserve System"

19 "FOS"

20 Gilad,Sharon, "Exchange Without Capture: The UK Financial Ombudsman Service's Struggle for Accepted Domain" 86 (86): 907-924, 2008

21 Financial Ombudsman Service, "EU EU Retail Financial Service," Financial Ombudsman Service Conference, Speech made by Economic Secretary,UK"

22 Williams,Jacqueline J, "Canadian Financial Services Ombudsman: The Role of Reputational Persuasion" 20 (20): 41-87, 2004

23 FOS, "Annual Review 2008/2009, Financial Ombudsman Service UK"

24 BFSO, "Annual Review 2007/2008, Banking and Financial Services Ombudsman 2008 Annual Review, Australia"

25 Farrand,Julian, "An Academic Ombudsman" 9 (9): 11-29, 2007

26 Gilad,Sharon, "Accountability of Expectations Management?: The Role of the Ombudsman in Financial Regulation" 30 (30): 227-253, 2008

27 Yokoi-Arai,Mamiko, "A Comparative Analysis of the Financial Ombudsman Systems in the UK and Japan" 5 (5): 333-357, 2004