채무조정자의 신용상담 경험 분석을 통한 신용상담 서비스 발전방안 탐색

We analyzed qualitative data to explore and propose the direction of developing credit counseling. The data was collected through in-depth interviews with consumers who have experienced real credit counseling experience. An in-depth interview was conducted between July 28, 2022 - August 5, 2022 for about 30 to 40 minutes per person. We recruited 12 people who had experienced credit counseling services in the Credit Counseling & Recovery Service of Korea. Based on the results, this research presented the following proposals for the development plan of credit counseling. First, it is necessary to standardize the quality of credit counseling, and to do this, it is necessary to develop a systematized process and a system that enables anyone to receive high-quality credit counseling at the same level. Second, the capability of credit counselors providing services plays a very important role in the success or failure of credit counseling. Third, it is necessary to diversify the contents of credit counseling and strengthen cooperation with experts where necessary. In particular, in this study, it was found that it is very important for credit counseling to provide psychological stability as much as to provide accurate information. Therefore, there is a need to recognize the importance of psychological stability, which can improve quality of life, and to continually search for ways in which psychological resilience can be provided. Finally, in order for credit counseling to be effective and to achieve its intended purpose, the awareness of those who use the credit counseling service must be improved.