|
HOME |
|
·¹Æ÷Æ® |
|
µ¶ÈÄ°¨/°¨»ó¹® |
|
|
|
|
¹Ì±¹ÀÇ ÇҺΰŷ¡¹ý |
|
|
|
|
|
¤ýÃÖ´ë 10ÆäÀÌÁö±îÁö ¹Ì¸®º¸±â ¼ºñ½º¸¦ Á¦°øÇÕ´Ï´Ù. |
¤ý¹®¼ÀÇ À̹ÌÁö¸¦ Ŭ¸¯ÇÏ½Ã¸é ´õ¿í ÀÚ¼¼ÇÑ ³»¿ëÀ» º¸½Ç ¼ö ÀÖ½À´Ï´Ù.(´Ü, 4ÆäÀÌÁö ÀÌÇÏ ÀÚ·á Á¦¿Ü) |
|
|
|
¹®¼ ¿ä¾àÁ¤º¸ |
|
|
|
ÆǸŰ¡°Ý: 500¿ø (2page) |
|
ÀúÀ۽ñâ: 2010/01 |
|
Ãßõµ¶ÀÚ: Àüü |
|
µî·ÏÀÎ: cws77777 |
|
|
|
|
|
|
|
|
|
|
|
|
|
¹®¼ »ó¼¼Á¤º¸ |
|
¼Ò°³±Û |
|
|
ÇØ´ç ÀÚ·á´Â ·Î±×ÀÎ ¹× ȸ¿ø°¡ÀÔ ÈÄ ±¸¸ÅÇÏ½Ç ¼ö ÀÖ½À´Ï´Ù. |
|
|
|
|
¸ñÂ÷ |
|
|
1. ¹Ì±¹ ÇҺΰŷ¡¹ýÀÇ ÀÔ¹ýžç
2. ¹Ì±¹ ÇҺΰŷ¡¹ýÀÇ Àû¿ë¹üÀ§
3. °è¾à³»¿ëÀÇ ±ÔÁ¦
4. ÁÖÁöÀǹ«(ñ²ò±ëùÙâ)
5. öȸ±ÇÀ¯º¸Á¦µµ(Cooling-off System) |
|
|
ºÐ¹®³»¿ë |
|
|
1. ¹Ì±¹ ÇҺΰŷ¡¹ýÀÇ ÀÔ¹ýžç
¹Ì±¹¿¡¼´Â ÀüÅëÀûÀ¸·Î ÁÖ¹ýÀÇ ¿µ¿ª¿¡¼ ¼Ò¾×´ëºÎ¹ý(á´äþÓèÜõÛö - small loans acts), ÇҺδëºÎ¹ý(ùÜÝ·ÓèÜõÛö - installment loan laws), ¼Ò¾×ÇÒºÎÆǸŹý(á´äþùÜÝ·÷üØãÛö - retailinstallment sales acts)µî°ú °°Àº ¹ý¿¡ ÀÇÇÏ¿© ÇÒºÎÆǸŸ¦ ±ÔÁ¦ÇÏ°í Àִµ¥, À̵é ÁÖ¹ýÀ» ÅëÀÏÇϱâ À§ÇÑ ³ë·ÂÀ¸·Î ÅëÀÏÁÖ¹ýÀü±¹À§¿øȸ(÷Öìéñ¶ÛöîïÏÐêÍê¬üå)¿¡¼ 1968³â ¡ºÅëÀϼҺñÀڽſë¹ýÀü ÷Öìéá¼Þ¨íºãáéÄÛöîð(Uniform Consumer Credit Code: UCCC)¡»À» ¸¶·ÃÇÏ¿´°í, 1968³â¿¡ ¿¬¹æ¹ý(æáÛÀÛö)À¸·Î Á¦Á¤µÈ ¡ºá¼Þ¨íºãáéÄÜÁûÞÛö(Consumer Credit Protection Act: CCPA)¡» Á¦1ÆíÀÇ ¡º´ëºÎÁø½Ç¹ý ÓèÜõòØãùÛö (Truth in Lending Act: TILA)¡»¿¡¼ ÇҺΰŷ¡¸¦ ±ÔÀ²ÇÏ°í ÀÖ´Ù. ÇÒºÎÆÇ¸Å¿Í °ü·ÃµÈ ÀÌ ¹ýÀÇ Á¦1Æí ´ëºÎÁø½Ç¹ý(ÓèÜõòØãùÛö)ÀÇ ±ÔÁ¦³»¿ëÀº ½Çü¹ýÀû(ãùô÷ÛöîÜ)ÀÎ Ãø¸éº¸´Ù´Â ÁÖ·Î ÀýÂ÷¹ýÀû(ï½óÛöîÜ)ÀÎ Ãø¸é¿¡¼ ¼ÒºñÀÚ°¡ ´Ù¾çÇÑ ½Å¿ëÁ¶°ÇÀ» ºÎÁ¤È®ÇÏ°í ºÒ°øÁ¤ÇÑ º¯Á¦Ã»±¸ ¹× ½Å¿ëÄ«µå °Å·¡·ÎºÎÅÍ ¼ÒºñÀÚ¸¦ º¸È£Çϱâ À§ÇÑ °ÍÀÌ´Ù.
ÀÌ·¯ÇÑ ´ëºÎÁø½Ç¹ý(ÓèÜõòØãùÛö)¿¡¼´Â ¼ÒºñÀڽſ밡°ÝÀÇ Ç¥½Ã, ÀÌÀÚÀÇ ¿¬À² µî °è¾à³»¿ëÀÇ °íÁö¸¦ Àǹ«ÈÇÏ´Â ±ÔÁ¤À¸·Î ÀοëµÇ´Âµ¥, ±× ÁÖµÈ ³»¿ëÀ¸·Î¼´Â ½Å¿ë°¡°Ý¿¡ ¼ö¹ÝÇÏ´Â ¼ÒºñÀÚÀÇ ºÎ´ã¿¡ °üÇÑ ¿©·¯ °¡Áö Á¤º¸ÀÇ °íÁö, À̸¥¹Ù 3ÀÏ À̳»ÀÇ Ã¶È¸±Ç Çà»ç, °íÁöÀǹ«À§¹Ý¿¡ ´ëÇÑ Çü»çÁ¦Àç, ¼ÕÇعè»ó¾×ÀÇ ¹ýÁ¤, ½Å¿ë±¤°íÀÇ ±ÔÁ¦ µî¿¡ °üÇÏ¿© ±ÔÁ¤ÇÏ°í ÀÖ´Ù. |
|
|
Âü°íÀÚ·á |
|
·¹Æ÷Æ®´ëÇà
|
|
|
·¹Æ÷Æ®¸¶ÄÏ¿¡¼´Â
1:1 ¸ÂÃãÇü ·¹Æ÷Æ®ÀÛ¼º ¼ºñ½º
¸¦ Á¦°øÇÕ´Ï´Ù.
"³²µé°ú Â÷º°È µÈ ·¹Æ÷Æ®!"
¿ÀÁ÷ ¼¼»ó¿¡
Çϳª»ÓÀÎ ·¹Æ÷Æ®
¸¦ ¿øÇϽô °æ¿ì, ÁÖ¼ÒÁ٠Ŭ¸¯ ¶Ç´Â »ó´ã ¹®Àǹٶø´Ï´Ù.
|
|
ÀúÀÛ±ÇÁ¤º¸
|
|
|
À§ Á¤º¸ ¹× °Ô½Ã¹° ³»¿ëÀÇ Áø½Ç¼º¿¡ ´ëÇÏ¿© ·¹Æ÷Æ®¸¶ÄÏÀº º¸ÁõÇÏÁö ¾Æ´ÏÇϸç, ÇØ´ç Á¤º¸ ¹× °Ô½Ã¹° ÀúÀ۱ǰú ±âŸ ¹ýÀû Ã¥ÀÓÀº ÀÚ·áµî·ÏÀÚ¿¡°Ô ÀÖ½À´Ï´Ù.
·¹Æ÷Æ®¸¶ÄÏÀÇ ¸ðµç ÄÜÅÙÃ÷ Á¤º¸ ¹× °Ô½Ã¹°Àº ÀúÀÛ±ÇÀÇ º¸È£¸¦ ¹Þ½À´Ï´Ù. ¹«´Ü ÀüÀ硤º¹»ç¡¤¹èÆ÷¸¦ ±ÝÇÕ´Ï´Ù. ÇØ´ç ÀڷḦ ¹«´ÜÀ¸·Î ¹èÆ÷½Ã ÀúÀ۱ǹýÀ¸·Î ó¹ú¹ÞÀ» ¼ö ÀÖÀ¸¸ç ÀúÀÛ±ÇħÇØ, ¸í¿¹ÈÑ¼Õ µî ºÐÀï¿ä¼Ò ¹ß°ß½Ã
½Å°í¼¾ÅÍ
¸¦ ÀÌ¿ëÇØ Áֽñ⠹ٶø´Ï´Ù.
|
|
|
|
|
|
|
|
|
|
|
ÀÚ·áÆò°¡º¸±â
|
|
|
|