방문판매법상 소비자피해보상 보험계약 제도에 관한 고찰 = 예치계약 제도 도입에 따른 문제점을 중심으로

다국어 초록 (Multilingual Abstract)

KFTC was to make pre-announcement of legislation about the amendment which is added escrow contract system to the methods of consumer indemnity contract. The purpose of the amendment is to diversify the method of consumer indemnity contract besides of mutual aid contract with the mutual aid cooperatives. KFTC explained that other contract methods such as insurance contract and contract on guarantee of debt payment have not utilized yet so it shall need to be complemented. However, it is still questionable about induction of this amendment which is to provide several consumer indemnity contract options to MLM companies. Also, it needs to be considered whether the escrow contract can be worked as consumer indemnity system and market supervision function or not.
Consumer indemnity system has to be fundamentally correlated with the functions which are market filtering and consumer indemnity activities to prevent consumer damage. If the system does not fulfill a certain level of requirements, it can be caused serious consumer damage by sales omission etc. In case of diversifying the consumer indemnity contract options, it is possible to make an impoverished company get in easily to the MLM market then it can be caused further consumer damage due to lack of supervising. I consider that KFTC would rather improve the current mutual aid cooperative system than apply the escrow contract system which has lots of controversial issues.
The mutual aid cooperative has been played primary role for consumer damage relief and “market watchtower”. In hence, the cooperative ought to be clearly defined the legal characteristic based on the purpose of its establishment to promptly respond to consumer damage. For this matter, Jong-In Im who was the 17th National Assembly man proposed a list of bill which changed the name from「mutual aid cooperative」 to「mutual guaranty agency」 to be magnified for protection of consumer’s right and interest. It must meet certain amount of capital when the mutual aid cooperative establishes to be prevented from surging of the mutual aid cooperatives. Along with this, business scopes of the cooperatives need to be reviewed for expanding the role of public interest.

목차 (Table of Contents)

• Ⅰ. 문제의 제기
• Ⅱ. 소비자피해보상 보험계약 제도
• Ⅲ. 방문판매법상 예치계약 제도의 도입에 따른 문제점
• Ⅳ. 결론
• 참고문헌
• 〈Abstract〉

참고문헌 (Reference)

1 "특수판매에서의 소비자보호 지침"

2 김홍석, "직접판매시장의 발전을 위한 정책개선방안" 선문대학교 법학연구소 8 (8): 2008

3 임영균, "직접판매산업의 현황과 전망"

4 직접판매공제조합, "직접판매공제조합 5주년 기념백서"

5 김홍석, "직접판매(방문판매, 다단계판매) 개선 방안 연구"

6 한국소비자단체협의회, "월간소비자"

7 김홍석, "언론의 다단계판매용어 오용의 문제점과 개선점" 선문대학교 법학연구소 2008

8 김홍석, "신방문판매의 등장원인과 소비자피해방지방안" 선문대학교 법학연구소 7 (7): 2008

9 "소비자피해보상보험 등에서의 보험계약금액에 관한 기준 고시"

10 "방문판매법 위반사업자에 대한 교육명령지침"

11 한국법제연구원, "방문판매 및 다단계판매 법제에 관한 비교법적 연구"

12 "방문판매 등에 관한 법률, 시행령, 시행규칙"

13 직접판매공제조합, "다단계판매의 역사에 관한 연구"

14 김홍석, "다단계판매와 방문판매법에 관한 해설" 잎새 2008

15 "다단계판매에 관한 해설자료 고시"

16 "다단계판매업자의 정보공개에 관한 고시"

17 한국특수판매공조합, "www.mlmunion.or.kr"

18 직접판매공제조합, "www.macco.or.kr"

19 한국직접판매협회, "www.kdsa.or.kr"

20 공정거래위원회, "www.ftc.go.kr"

21 공정거래위원회 소비자홈페이지, "www.consumer.go.kr"

22 선문대학교 김홍석 교수, "http://blog.naver.com/3929128"