Korean Journal of Human Ecology (한국생활과학회지)

Korean Association of Human Ecology (한국생활과학회)
권호 표지
DOI QR코드

DOI QR Code

Review of US Credit Counseling and Debtor Education Programs

미국의 신용불량예방 교육 및 상담 프로그램 고찰

  • Lee, Eun-Hee (Department of Consumer and Child Studies, Inha University)
  • 이은희 (인하대학교 소비자아동학과)
  • Published : 2009.02.28
Download PDF
⟨ Previous Next ⟩

Abstract

Debt and credit problems in Korea have been escalated during the past decade. The number of people with debt and credit problems is in its historic high. In May 2008, about 2.48 million debtors are officially classified as bad debtors and 7.20 million people have low credit scores. People with low credit scores are in disadvantageous situation in the financial market thus their financial transactions and activities are limited. In 2004, Korean government introduced various credit rehabilitation programs. However, most of these problems are remedial in nature and preventive programs such as credit counseling and debtor education are lacking. The purpose of this review is to examine US credit counseling and debtor education programs to obtain insights for preventive credit program developments in Korea. The review focused on programs offered through National Foundation for Credit Counseling, Jump Start, and Cooperative Extension Services from two large land grant Universities. From the program review suggestions and recommendations for educational contents, program and educator developments, and program quality control were discussed.

Keywords

References

  1. 금융위원회(2008.7.24). 금융소외자 지원 종합대책, 보도자료.
  2. 내일신문(2005.10.14), '서울 20대 신용회복 지원신청 급증, 지난달보다 배 늘어.'
  3. 머니투데이 (2007.3.1). '금융채무 불이행자 무늬만 감소.'
  4. 삼성경제연구소(2003), '신용사회정착을 위한 제언,' 삼성경제연구소 연구보고서.
  5. 송성태(2003), 한국의 신용불량자 증가원인 분석과 정책적 대응방안, 연세대학교 대학원 석사학위논문.
  6. 임병철(2005), '생계형 신용불량자 신용회복지지원에 대한 소고,' 주간 금융브리프, 14(16), 3-7.
  7. 재경부(2004), 신용불량자 현황 및 대응방향, 보도 참고자료.
  8. 최공필.이건범.이명환.임병철(2004), '신용불량자 급증의 원인과 대책,' 정책조사보고서, 한국금융연구원.
  9. About Maryland Cooperative Extension (n.d.). retrieved on April 18, 2008 from http://extension.umd.edu/
  10. About us (n.d). retrieved on April 13, 2008 from http://www.moneymanagement.org/
  11. About us (n.d.) Money Management International. Retrieved on April 29, 2008 from http://www.crediteducation.org/page.php?pagename=about_us
  12. About us (n.d.). retrieved on April 10, 2008 from http://www.nfcc.org/
  13. Bankruptcy Reform. Value of credit counseling requirement is not clear. (2007). U.S. Government Accountability Office. GAO-07-203.
  14. Clearinghouse (n.d.) retrieve on April 19, 2008 from http://www.jumpstartcoalition.org
  15. Courses (n.d.). Money Management International. Retrieved on April 29, 2008 from http://www.crediteducation.org/page.php?pagename=courses
  16. DebtAdvice.org (n.d.). retrieved on April 13, 2008 from http://www.nfcc.org/
  17. Educational programs. Virginia Cooperative Extension (n.d). retireved on April 20, 2008 from www.ext.vt.edu
  18. Family Life and Community (n.d.). retrieved on April 18,m 2008 from http://extension.umd.edu/
  19. Getting Out of Debt. Virginia Cooperative Extension (n.d). retireved on April 20, 2008 from www.ext.vt.edu
  20. Members (n.d.) retrieve on April 19, 2008 from http://www.jumpstartcoalition.org
  21. Programs and Services (n.d.). retrieved on April 13, 2008 from http://www.moneymanagement.org/
  22. Standards (n.d.) retrieve on April 19, 2008 from http://www.jumpstartcoalition.org
  23. Volunteer Program (n.d.), Money Management Internationl. Retireved on April 29, 2008 from http://www.crediteducation.org/page.php?pagename=volunteer_program