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사회적 파산을 확대하는 연대보증제 하루빨리 폐지해야

사회적 파산을 확대하는 연대보증제 하루빨리 폐지해야
보증인보호를위한특별법 국회 통과 및 연대보증한도 법률상 규정 시급
참여연대 민생희망본부 2007-12-27

금융감독원이 어제(12/26), 연대보증한도제 도입을 골자로 한 상호저축은행 연대보증제 개선방안을 발표했다. 연대보증금액과 보증인수가 계속 증가 추세에 있는 상황에서 뒤늦게 나마 연대보증한도를 규제하는 개선책이 나온 것은 다행이다.
하지만 보증총액 한도가 1억원에 달하고, 법령상으로 보증한도를 규제하는 것이 아니라 저축은행중앙회의 내부규정(표준대출규정)을 손질하는 정도에 그치고 있어서 실효성 있게 추진될지 매우 우려스럽다. 현재 시중은행들도 은행연합회의 내규를 통해 연대보증을 제한하고 있으나 강제규정이 없어 제대로 시행되지 못하고 있는 실정이다.
따라서 정부가 연대 보증의 폐해를 최소화하고자 이번 개선책을 마련한 것이라면, 단기적으로는 보증한도를 법률상 규제하고 중ㆍ장기적으로는 연대보증제도 자체를 폐지하는 방안을 마련하는 것이 바람직하다.

현재 연대보증제도는 전세계에서 일본의 일부 금융기관과 우리나라만 시행하고 있는 제도로서 금융기관의 책임을 제3자인 보증인에게 떠넘기는 후진적 제도이다. 하지만 금감원 자료에 따르면 07년 9월말 현재, 저축은행의 연대보증 금액은 8,687억원으로 전체 가계신용대출금액의 33.2%에 해당하며 보증인수도 06년 9월말 현재 5.8만명에서 8.2만명 수준으로 계속 증가추세에 있는 것으로 나타났다. 이는 은행권에서 연대보증대출이 5.6%(2006년 12월 기준)에 불과한 것과 대비하여 지나치게 높은 수치에 해당한다.
정부는 최근 기업은행이 연대보증제도를 폐지한 것처럼, 앞으로 제1금융권과 저축은행 등 전 금융기관에서 연대보증한도 규제를 거쳐 제도 자체를 폐지해 나가도록 관계 법령을 정비해나가야 할 것이다. 또한 국회는 금융선진화와 신용사회 정착을 위해 계류중인 보증인보호를위한특별법을 하루 속히 통과 시켜야한다.

IMF 당시 연대보증제도는 연쇄적 도미노 도산의 기폭제로 작용해 심각한 사회문제를 일으켰었다. 정권교체시기마다 정부가 서민가계의 시한폭탄과 같은 연대보증제도를 폐지하겠다고 입장을 밝힌 것도 이미 10년간 반복되어온 일이다.
이번 정권에서는 빈말에 그치지 말고 정부의 실천 의지를 보여주길 기대한다. 지금은 강제력 없는 은행연합회, 저축은행중앙회의 내규를 손질하는 방식이 아닌 구체적인 법령 개정으로 연대보증제도를 폐지해야할 때이다.

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