금융분쟁조정제도의 합리적 개선방안 검토 - 금융소비자보호법률안을 중심으로 -

When viewed economically and socially, consumers are in a poor position relative to their operators. As a result, it is very difficult for a consumer to disagree with each other to obtain satisfactory results by responding individually to the operators. In particular, when a dispute arises about financial products, including insurance, financial consumer who lacks expertise or economic power is struggling against a financial company which is just as difficult to compare to a rock as an egg. In particular, when financial consumers are injured, financial consumers are in a very bad situation compared to financial companies in terms of ways to relieve victims and demonstrate responsibility for damages. Because of these characteristics, the need for resolution of alternative dispute resolution (ADR) is emphasized rather than settlement of financial disputes or settlement by legal litigation between financial companies and financial consumers. However, the ADR system in the current financial sector is operated differently from the introductory purpose of effective introduction of disputes, fair and prompt dispute settlement and because legal forcing is provided at a very limited level in resolving disputes through ADR The effectiveness of the system is weak. In this paper, I will review the major contents and problems of the current financial dispute settlement system and examine the improvement measures based on the proposal of financial consumer protection act submitted to the National Assembly.