금융지식 역량 강화를 위한 효율적인 금융교육 체제 구축방안 연구

Abstract

최근 미국 발 금융위기의 주요 원인으로 개개인의 '금융에 대한 이해력 부족'이 지적되고 있다. 이러한 현상이 한 국가 내에서 광범위하게 발생할 경우, 특정 경제 분야나 금융시스템은 물론 글로벌 경제와 금융위기까지 심화시킬 수 있다. 우리나라의 경우 국민들의 금융이해력이 미흡할 뿐만 아니라, 이를 해결할 수 있는 체계적인 금융교육 체제도 아직 부족한 실정이다. 금융교육에 대한 중요성은 모두 인식하고 있지만, 민간·정부 등 각 주체에 따라 다른 관점으로 인식되고 있다. 결국 금융이해력 제고를 통한 금융역량 강화는 국가적인 차원의 금융교육을 통해서 이루어질 수 있을 것이다. 본 연구는 금융지식 함양이 지속적인 경제성장에 초석이 된다는 점에 유의하여, 민·관·연 협력을 통한 효율적인 금융교육 체제 구축방안을 제시하였다. ○ 주요내용 - 금융교육의 정의와 역활 - 금융지식 역량 강화를 위한 금융교육 체제 현황과 문제점 분석 - 주요국의 금융교육 체제 분석 - 금융지식 역량 강화를 위한 금융교육 체제 구축방안

The aim of this research is to explore the establishment of efficiency financial education system for enforcing financial knowledge. The objective of the study is to seek to provide alternatives or ways to improve financial education. The importance of financial education to helping consumers make appropriate decisions with respect to financial circumstances and risk. The major study method were the previous research and government policy review, the field survey, in-depth interview, and case study of U. S. A. U. K. EU countries. As the financial industry is evolving into a more knowledge-based industry. The future competitiveness of financial institutions in Korea will depend on having financial professionals with skills in risk- management, customized product development, accommodation of customer needs, and diversification of income sources. According to a our survey in 2009, attracting financial talent with a global perspective and insight was deemed to be the most urgent and essential element for the growth and development of financial industries. The importance of financial education has been recognized by the governments, financial institutes, citizen of Korea. In response to this increased emphasis on the importance of financial education, the Korea need to establish a financial education system to improve financial knowledges. Financial education programs furnished by small, private education institutions, financial institute, and consulting companies were reported to be unsystematic and not well-structured enough to train financial talent which is required by the market. In order to support the policy of MCHRD, and to enable to development of appropriate policies, it is necessary to take into account a number of things; integration into the Korean society does not mean assimilation-MCHRD need to be enabled and supported in maintaining their culture, a legal framework which provides redress for discrimination is critical in ensuring that MCHRD are treated equally. It is necessary to support at all levels, from central government to local government, and on broad societal attitudes as well as on the problems of individuals if multiculture family are to come feel at home in their new society.