고객 중심의 업무운영을 위한 일본 금융상품거래법 개정안과 시사점

Most of the products we buy on a daily basis are manufactured for easy use due to advances in technology. Therefore, consumers do not have to understand complex information about products. However, on the contrary, there are products that the general public can hardly understand due to the complexity of the product contents, and a representative example is financial products. The complexity of financial products is increasing, and in South Korea, accidents related to financial products that occur due to product explanations that do not take consumers into account, intentionally incorrect explanations, or explanations that leave out some information are becoming a social problem. Complex products are not the cause of these problems. The reason for this is that the sellers prioritize the profits generated from selling the products over the interests of the consumers, or do not provide information that meets the standards of the consumers who purchase the products they sell. If there is a significant difference in understanding between the seller and the consumer about the product, the rights of consumers cannot be protected by unclear regulations such as simply providing information in consideration of the consumer's age or economic situation or explaining it so that consumers can understand it. Therefore, in the case of financial instruments, explicit provisions should be made to prioritize consumer interests. In addition, Considering the complexity of financial products, more factors such as educational background will have to be added to the list of items that need to be taken into account to understand customers. Furthermore, in the case of explanations to customers, the method must be specified as specifically as possible so that the explanations are simple and do not cause misunderstandings.