특수거래 전자금융범죄에 있어서 자치단체의 소비자보호 정책방안

One of the important issues in today's rapidly changing modern society is how small and medium-sized cities in local governments, which are entering an ultra-aging era, will overcome the current issues of future generations. The basic local governments, which are small and medium-sized cities in local governments, are systematically analyzing the roles and limitations of local governments and "consumer organizations" under the Framework Act on Consumers regarding the role and limitations of local governments and the problems of the current consumer protection laws. Through these studies, the government will engage in phishing scams in conjunction with the economic recovery of the COVID-19 pandemic, and non-face-to-face online shopping is also expected to expand rapidly. It systematically analyzed the types of phishing scams and consumer protection laws related to online shopping, especially special transaction sales. The basic local governments, which are at the closest point to consumers, have proposed effective policies for "consumer protection" and presented problems with the current "consumer protection" laws. According to the analysis, although the types of phishing due to the development of information and communication are increasingly cutting-edge and advanced, related organizations such as the Korea Consumer Agency and the Consumer Protection Organization are insufficient to respond to them. The irrationality of procedures due to damage relief under related laws, the inefficiency of resolving consumer disputes, and the lack of expertise of counselors such as individual consumer protection organizations and consumer counseling centers in each local government have resulted in economic damage and infringement of the rights and interests of each consumer entity. So far, policy implications for the role of local governments in consumer protection in electronic financial crimes and special transaction sales can be presented. First, it is necessary to effectively protect consumers by implementing and promoting various education and programs to enhance consumer rights and interests and change business perception. In addition to the role of the Financial Supervisory Service to respond to phishing scams, individual consumers need to actively implement individual countermeasures to protect their rights and interests. Individual consumer protection organizations, including the Korea Consumer Agency, need to strengthen the expertise of counseling personnel, and the Korea Consumer Agency, individual consumer protection organizations, and local governments need to actively protect consumers through point-type education and counseling by age and class, and various promotions. Not only consumers but also businesses should actively participate in various policies and education for consciousness. consumer protection through a change of Second, the role of local governments and consumer protection organizations for consumer protection should be strengthened. There is a need to transform local governments and individual consumer protection organizations into organizations and organizations that can substantially improve consumer rights by boldly breaking away from the reality of the poor current consumer protection organization and manpower, reinforcing professional manpower and organizations, and expanding budget support. Third, inefficient consumer protection laws and institutional arrangements should be prepared. As previously discussed, consumer rights and interests protection laws should be reorganized so that the contradictory laws of individual laws and regulations can be more efficiently enforced around the Korea Consumer Agency. In addition, the role of institutions should be re-established and reflected in laws and regulations to establish organic relationships and close cooperative relationships between the Korea Consumer Agency and local governments. In order to resolve consumer disputes more efficiently, it is also necessary to establish a "Local Consumer Dispute Mediation Committee" by regional governments to prepare and maintain institutional arrangements to improve the rights and interests of local consumers. From the standpoint of a local government's consumer protection practitioner, they briefly tried to suggest various improvement measures and alternatives to the maintenance of laws and systems for the current consumer protection. This study analyzes the reality of local governments on consumer protection from the standpoint of consumer protection practitioners of local governments who lack expertise and suggests alternatives to improvement measures and legal and system improvement, so more in-depth research is needed to overcome the limitations.