할부거래법상 상조공제조합의 실효성 및 안정성에 관한 연구

Consumer indemnity systems of mortuary business such as insurance contract, guarantee for obligation contract or money deposit contract have contained many problems to fulfill the intention of the related law. Otherwise, mutual aid contract with mutual aid cooperative be able to guarantee consumer indemnity systematically through issuing deed for mutual aid guarantee so that it can be considered coherent system to realize the purpose of the law. Mutual aid cooperative can be superior systematically and institutionally also it might be expected to share economic benefit among joined companies. Likewise, I think that mutual aid system will be efficient for the industry and consumers. In addition, mutual aid cooperative for mortuary business will be generated stable profit by income from interest and mutual aid fee. It is probable to reduce a rate of consumer damage through issuing consumer guarantee number (mutual aid guarantee number) and implementation of registration. In case of generating revenue for mutual aid cooperative, it will be reinvested to related areas with mortuary business industry. Eventually, it is able to contribute to the industry‘s enhancement of soundness and market enlargement. Expectably, financial suitableness will be guaranteed that revenue of mutual aid cooperative will be steadily increased but indemnity fund will be decreased along with enforcement of amended Installment Transaction Act.