○ 연구목적 － 금융소외는 자본시장불완전성에 따른 인적자본 축적의 어려움을 심화시키고 소득불평등 확대와 경제성장 저해의 악영향을 초래하므로 정책적 중요도가 커 금융소외 실태분석과 대응방안을 모색할 필요가 있음.
○ 주요 연구내용 － 해외 금융소외 실태, 대응방식과 국내 금융소외 실태분석, 이론적 논의 검토 － 로짓분석을 통한 국내 금융소외 요인분석 － 금융소외 해소를 위한 정책방안 도출
It was since 2003, when the across-the-board credit crisis erupted with a staggering 3 million new credit defaulters, that financial exclusion and research thereof have come into the focus of public attention. From the 1997 economic crisis onwards until that time, financial exclusion has been less of a social malady than poverty, inequality and polarization. The reason that credit defaulters as a social group have come to the fore is that because, with the limited access to formal financial services and no institutional recourse to turn to, they are exposed to such social risks as family destruction and life loss in situations where they have to rely on private services with unduly high interest rates. Moreover, credit defaulters often face difficulties getting a job or starting a business, which makes it all the harder for them to live as ordinary citizens. In this regard, the government and the private sector embarked on the quest to protect and support credit defaulters. This effort has, however, been left thwarted as a result of the financial crisis that emerged at the end of 2008. The financial crisis has sent profound shockwaves throughout the globe, and Korea is also severely impacted. Unlike the one that hit the country in 1997, the 2008 crisis is known to have left its lasting impact more on socially underprivileged groups, non-regular workers and own-account workers, making it more difficult for them to have access to financial services and products. The Korean government has recently designed means to support the financial excluded. A case in point is 'Smile Microcredit Bank' in 2009. Apart from this, there are several programs such as debt restructuring programs, restructuring loans, revolving loans, and work support link program for self-reliance. In this report, we review overseas cases of the causes and consequences of financial exclusion and the policy responses taken thereto in many countries in the EU region. We also examine financial exclusion in Korea and the government's policy responses. Finally, we suggest effective policy recommendations.
제1장 서론 제1절 연구목적 제2절 주요 연구내용 제3절 연구방법 및 한계
제2장 이론적 배경 제1절 외국의 연구 제2절 국내연구
제3장 외국의 금융소외 실태와 정책대응 제1절 EU의 금융소외 실태 제2절 EU의 금융소외 관련 논의 제3절 EU 각국의 금융소외 문제해결을 위한 대응 제4절 해외사례의 시사점
제4장 금융소외 실태분석 제1절『차상위계층 실태조사』자료를 활용한 금융소외 실태 제2절 금융소외 요인분석(『차상위계층 실태조사』기준) 제3절 기타 자료를 활용한 금융소외 실태
제5장 우리나라 저소득 금융소외계층 지원제도 제1절 신용회복 프로그램 제2절 저소득층 및 저신용계층 생활안정지원 프로그램 제3절 저소득층 금융지원정책 평가