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제1장 서론 10
제1절 연구의 목적 10
제2절 연구의 범위와 방법 14
제2장 자본시장통합법상 투자자보호제도에 대한 개관 15
제1절 서설 15
제2절 투자자 개념과 새로운 구분 18
1. 투자자 구분의 필요성 18
2. 외국의 입법례 19
3. 자본시장통합법상 투자자 구분 22
4. 투자자 구분에 대한 유연화의 문제 23
제3절 금융투자상품 개념의 포괄화와 투자자보호 26
1. 의의 26
2. 금융투자상품의 개념과 종류 27
3. 금융투자상품의 포괄화 33
제4절 금융투자업 규제와 투자자 보호 36
1. 의의 36
2. 금융투자업의 개념 37
3. 금융투자업의 규제 40
4. 투자자 보호와 형평성 문제 45
제5절 금융투자업 겸영 등과 투자자 보호 46
1. 의의 46
2. 금융투자업간 겸영 허용 47
3. 투자권유대행인 제도의 도입으로 판매망의 확충 49
4. 집합투자업의 업무 확대 50
제3장 투자권유규제를 통한 투자자보호 55
제1절 서설 55
제2절 외국의 입법례 56
1. 미국의 투자권유규제 56
2. 영국의 투자권유규제 60
3. 일본의 투자권유규제 64
제3절 투자권유규제에 관한 주요내용 67
1. 서설 67
2. 적합성 원칙 68
3. 설명의무 74
4. 부당한 투자권유 금지 81
5. 투자권유준칙 86
제4절 문제점과 개선방향 87
제4장 이해상충방지제도를 통한 투자자 보호 92
제1절 서설 92
제2절 외국의 입법례 93
1. 미국 93
2. 영국 96
3. 일본 99
제3절 자본시장통합법상 이해상충의 유형 102
1. 의의 103
2. 발생원인별 이해상충의 유형 103
3. 겸영에 따른 이해상충의 유형 106
4. 금융투자업 겸영에 따른 이해상충의 문제 109
제4절 자본시장통합법상 이해상충 방지체계 113
1. 이해상충 방지를 위한 규제 방식 113
2. 자본시장통합법상 이해상충 방지 체계 114
제5절 금융투자업 겸영시 이해상충 최소화 방안 130
1. 의의 130
2. 금융투자업 겸영방식에 따른 이해상충방지 132
3. 소결 139
제5장 結論 142
참고문헌 146
ABSTRACT 154
표 1. 주요 공통 영업행위규제의 정비 내용(재정경제부, 앞의 설명자료, 32면). 44
표 2. 자본시장통합법상의 펀드 53
초록보기 더보기
This study set out to investigate if the Capital Market and Financial Investment Business Act was fit for the goal of investor protection based on its Investor Protection System and especially the regulations for investment solicitation and prevention of conflict of interest by introducing the legislation cases of other countries. It also reviewed the problems with the investor protection regulations, examined the need to supplement the system in terms of legal principles, and suggested alternatives.
(1) There is a need to create a middle concept such as quasi-professional investors between professional and common investors and to recognize a shift to quasi-professional investors in order to reinforce investor protection and increase its efficiency. The subordinate laws also need to classify and categorize common investors in more detailed manners so that they can receive differential treatments according to their wealth, investment experiences, and age.
(2) The suitability principle of common business act regulations related to investment solicitation in Capital Market and Financial Investment Business Act should have devices to secure the effectiveness of an investigation into investment solicitation. When a product is recommended to general investors, they must be provided with a written document to explain about the reason for the concerned product's suitability. It's also necessary to prepare for explicit regulations to recognize compensation responsibility for the violation of the suitability principle.
(3) Although the focus of explanation duty, which was introduced to protect investors under Capital Market and Financial Investment Business Act, is placed on protecting the rights of investors, it does have limitations as an effective means of investor protection. In other words, there are few cases in which financial investment companies are held accountable for compensation due to their negligence of explanation duty as the duty can be easily fulfilled through a simple formal act. Thus preventive systems to specify the explanation duty regulations are more important than accountability for compensation after a violation of explanation duty. The degree of explanation, the scope of explanation items, and explanation methods are important to decide if an agreement should be closed or not and accordingly should become more specified. In addition, there is a huge need to introduce regulations to enforce administrative restraints for a violation of explanation duty.
(4) One of the measures for conflicts of interest, Chinese Wall should be accompanied by a supervisory agency's constant supervision of conflicts of interest, which should be regulated in a way that pursues harmony between the maximum synergy effects according to the addition of financial investment by respecting the autonomy of financial investment companies as much as possible and the maximum protection of investors. Without the will of financial investors, ex ante regulations for conflicts of interest, which take complex and various forms, cannot help facing restrictions. Thus conflicts of interest in Capital Market and Financial Investment Business Act should be approached from the perspective of ex post regulations or protection of investor rights rather than ex ante regulations. Therefore, it's needed to divide the ways to prevent conflicts of interest into combination of another business into in-house management, parent company, and holding company and to let financial investors choose combination of another business in management for themselves. Punishment in case of conflict of interest should be strict enough to threaten the very existence of the company itself so that financial investors can do their best in setting up systems and educating the management and employees to prevent conflicts of interest. Furthermore, it's also important for autonomous regulation agencies to provide preventive activities and education regarding the prevention of conflicts of interest.
참고문헌 (89건) : 자료제공( 네이버학술정보 )더보기
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