[사회]From investment to payment with the Toss app… still can’t be punished?

[사회]From investment to payment with the Toss app… still can’t be punished?

by

[앵커]

This is a follow-up report, toss that attracted many investors with real estate micro-investment services.

Toss is taking out responsibility because he only did advertisements, but in the Toss app, everything from investment to payment was done.

In fact, it is like brokering, but it is said that it is difficult to punish.

What is the reason, reporter Park Ki-wan reports.

[기자]

The process of investing in P2P company products through the Toss app

It’s like a bank or brokerage company brokering a financial instrument like a fund.

Toss clearly stated that it was an advertisement,

[토스 관계자 : 상품의 운용이나 기획에는 관여하지 않는다는 내용은 계속 노출되어 있었죠. 본인은 계속 토스 안에 들어와 있다고 생각하실 수도 있겠죠. 그런 부분들을 계속 주의 문구들을 노출 시키고 있거든요. 그런 문제들 때문에….]

Investors say they bought it through toss.

[신형주 / ‘토스’ 부동산 소액 투자자 : 저는 투자회사들을 토스가 중간에서 묶어서 투자자들과 투자회사 사이에서 역할을 한다고 알고 있었던 거죠. 토스가 어느 정도 검증을 한다….]

The Financial Supervisory Service’s guidelines stipulate that when advertising P2P products, contracts or payments should not be substituted, and information should be directed to the website of the investment company.

Don’t misunderstand as if the advertising company is an investment company.

In short, it is a guideline that investment contracts should not be made through toss.

However, if you select the product advertised in the Toss app, it took less than 5 minutes to transfer the account immediately without signing up for a separate member or visiting the homepage of a P2P company.

It’s simpler than buying a fund product from a brokerage app.

It goes beyond simple advertising.

As it played a role in signing the contract, if a problem arises, you are also responsible for some part.

However, it is difficult to punish under the current law.

First of all, the FSS guidelines are not legally binding.

[금융감독원 관계자 : 투자자 모집이나 온라인 플랫폼에 대해서는 저희가 감독권한이 아직 없어서요. 법적 구속력이 없는 가이드 라인 상태이기 때문에 이렇게 해라, 이렇게 했으면 좋겠다는 권고 정도….]

The Online Investment-Linked Finance Business Act, which was enforced last year, prohibits other companies from brokering P2P products, so this is punishable.

However, it will not be applied immediately because it has been suspended until August.

[김정철 / 변호사 : P2P 업체도 책임을 회피할 수 있는 구조를 갖고 있는 상태에서 P2P 업체가 다른 전자금융결제와 관련된 시스템과 연계했을 때 거기에 책임을 묻기는 어려운 상황인 거죠.]

In the end, despite the increasing number of investors complaining of damage, toss app ads cannot be sanctioned.

There is a voice saying that system maintenance is necessary.

[윤민섭 / 한국금융투자자보호재단 연구위원 : (온라인) 금융 상품에 대한 판매 과정에서 광고와 추천과 권유, 그리고 중개 이 부분이 명확하지가 않습니다. 금융소비자들이 하는 행동 패턴을 보고 반영해야 할 것 같습니다.]

Experts also emphasize that investors should be aware that P2P products are difficult to legally protect.

YTN Park Ki-wan[[email protected]]is.

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