금융소비자보호기구의 설립과 법적 쟁점 - 최근 금융감독체제의 개편 논의를 중심으로 -

As financial accidents have recently occurred in succession, including a case of DONGYANG Securities Korea Co., the protection of financial consumers (investors) has been a hot issue. A major financial accident cause many victims and has negative influence on national economy. Accordingly, it is crucial to establish a preliminary supervision system. Korea’s financial policy has so far been focused on the maintenance of financial institutions rather than on the protection of financial consumers. Moreover, there has been a limitation on what financial consumers would be protected, due to the collusive ties between financial supervisory authorities and financial companies. At this, the Korean government is trying to legislate on the reform of the financial supervisory system in order to regulate the financial industry more effectively. This study closely compared major countries’ financial supervisory systems that are revamped to protect financial consumers, wherewith it searched a proper way to reform the system. The conclusion is that there is the need to introduce a separate supervision system suitable for Korea’s financial environments that the problems of financial consumers can be solved fundamentally. In particular, it is imperative to found an independent agency to protect financial consumers and regulate the operating activities of financial companies. In addition, concrete and clear regulations should be stipulated regarding the independent agency, inclusive of foundation and responsibilities, in order that it can actually protect financial consumers with effect.