금융투자시장에서의 금융소비자보호제도에 대한 소비자신뢰 연구

Interest in protecting financial consumers and improving the level of trust has increased recently due to the DLF crisis in Korea. However, studies to determine whether financial consumers are adequately protected in the financial market are insufficient. The purpose of this study is to identify the level of trust in the areas of financial investment with high potential for incomplete sales by the World Bank’s Good Practices for Financial Consumer Protection and to make policy suggestions for strengthening the trust of financial consumers. We surveyed financial consumer trust with 1,000 adults aged 25 to 69 who have past investments or who are currently investing. The main results are as follows: First, the financial consumer protection trust level was deficient, with 47.24 points out of 100. Among the sub-areas, trust in the dispute settlement system was low. As a result of examining differences in the level of trust in the financial consumer protection system according to the general characteristics of the survey subjects, it was found that there was a significant difference only in age, and those in their fifties showed the highest level of trust compared to other age groups. Second, it was able to identify the areas that need to be changed to secure the trust of financial consumers through analysis of the trust level for each item. In particular, the questionnaire asked whether financial institutions adequately informed investors about complaints and dispute resolution procedures, and this received the lowest score among 27 items. Third, the level of financial consumer protection trust may be low if the financial company has not fully explained a product or the procedure for filing a complaint. Therefore, we reaffirmed that products should be fully explained to financial consumers and that efforts to prevent incomplete sales are necessary.