금융교육 국가 전략의 수립과 실행 = Establishment and Implementation of a National Strategy for Financial Education

국문 초록 (Abstract)

이 글은 대표적인 금융교육 선진국인 미국과 영국의 금융교육 국가 전략 사례에 대한 분석으로부터 시사점을 도출하여 향후 우리나라의 금융교육 국가 전략이 어떠한 모습으로 수립되고 실행되어야 하는가에 대해 논하고 있다. 금융소비자보호법의 시행으로 금융교육의 법적 토대가 마련되었음에도 불구하고 우리나라 금융교육 정책은 종전의 틀에서 크게 벗어나 있지 않다. 금융위원회/금융감독원은 금융교육 일선 집행 기능이 아니라 금융교육 국가 전략의 상위 주체로서 금융교육 국가 전략의 수립, 민간 협력기관들의 동원과 조정, 효과적인 금융교육 프로그램의 개발, 프로그램에 대한 효과성의 평가와 확인 및 자료의 집중 등 중추 기능에 주력해야 한다. 금융교육정책은 성과 목표가 불분명한 가운데 금융교육 투입 목표 중심으로 제시되고 있다. ‘찾아가는 금융교육’의 틀에서 벗어나 ‘찾아오는 금융교육’을 위한 체제를 갖출 필요가 있다. 새로운 금융교육 프로그램들을 개발하여 시도하고 그에 대한 효과성 확인을 거쳐 효과성이 확인된 프로그램들을 중심으로 예산을 투입해야 한다. 금융교육적 개입에 관한 진단과 처방, 가설과 검정을 염두에 둔 실태 조사가 수행되고, 자료들을 한곳에 모아두는 금융교육 증거 허브의 구축이 이루어져야 한다.

다국어 초록 (Multilingual Abstract)

The paper intends to draw and present implications regarding how Korea's national strategy for financial education should be established and implemented in the future from the analysis of the cases of the U. S. and the U. K.. Although the legal foundation for financial education in Korea has been laid with the enforcement of the Financial Consumer Protection Act, the financial education policy has not changed much from the previous one. Though the Financial Services Commission/Financial Supervisory Service, as the upper body of the national financial education strategy, should be the backbone of the establishment of the national strategy for financial education, the mobilization and coordination of government and private partners, the development of effective financial education programs, the evaluation and confirmation of the effectiveness of the programs, and the concentration of data, it is still focusing on the front-line execution function of financial education as before. The financial education policy lists only the financial education input goals while the performance goals are unclear. They should prepare a system for ‘financial education for visiting consumers.’ The effectiveness of financial education programs should be checked, and budgets should be invested centering on the programs whose effectiveness has been confirmed. A fact-finding survey that can diagnose and prescribe financial education interventions should be carried out, and a financial education evidence hub should be established.

참고문헌 (Reference)

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