금융상품판매전문업 도입론의 재검토와 그 대안

초록

The attempt to introduce the Professional Saling System of Financial Goods in Korea has an aspect of restrictictive administration. It is the Authority`s guide line that the Authority advises the Financial Companies to make the saling system separated from the producing section and to make the One-Stop Shopping method. Though the goal of the policy in this design is diminishing restrictive administration, it may bring withering of the financial industry because its contents are directed to the controlling methods. Such design would give birth to the clue to the contention concerning the insurance money or the problem of consumer`s safeguard in this sphere. The saling system`s diversification has demerits including adding to the insurance crimes, though it offers more chances to consumers. If the sales are separated from the producing section at all, shall be the big Salers` power in negotiation so great as to rule over the producing section. Such thing may lead to the consumer`s damages after all. The Professional Saling System of Financial Goods which is attempted now may cause the contentions and conflicts among the various financial business sphere(banks, insurance companies, securities companies) as well as deteriaration of employment. The newly attempted Act would nullify the material articles in the Banking Act, Insurance Business Act, Securities Business Act, or contradict these articles. All the more, the purpose to integrate the existing financial saling system into the newly projected unifying system is not to be allowed. In insurance, we must not put such idea to the hearts of the insureds, as the insurance is all the same or much similar to the sheer financing in general.

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