상해/사망
사망사건ㅡ상속인 금융거래방법

by 심상연 손해사정사님 · 3 개월전조회수 69

<p class="se-text-paragraph se-text-paragraph-align- " id="SE-806ada40-44ce-11eb-84e9-f1146cf0ed7b" style="line-height: 1.8;"><span class="se-fs- se-ff- " id="SE-806ada3f-44ce-11eb-84e9-9db22e6c179f">[사례]</span></p><!-- } SE-TEXT --><!-- SE-TEXT { --><p class="se-text-paragraph se-text-paragraph-align- " id="SE-806ada42-44ce-11eb-84e9-f73cbb141915" style="line-height: 1.8;"><span class="se-fs- se-ff- " id="SE-806ada41-44ce-11eb-84e9-f54d7e793516">​</span></p><!-- } SE-TEXT --><!-- SE-TEXT { --><p class="se-text-paragraph se-text-paragraph-align- " id="SE-806ada44-44ce-11eb-84e9-e5ba927d3935" style="line-height: 1.8;"><span class="se-fs- se-ff- " id="SE-806ada43-44ce-11eb-84e9-a5ee2c1c118c">갑작스런 가족 사망. 경황없는 가운데 장례를 치렀으나 망인의 예금, 보험, 채무 등이 어디에 얼마나 있는지를 알지 못해 상속절차를 신속히 진행할 수 없었다.</span></p><!-- } SE-TEXT --><!-- SE-TEXT { --><p class="se-text-paragraph se-text-paragraph-align- " id="SE-806b2866-44ce-11eb-84e9-59a2fb58b7fa" style="line-height: 1.8;"><span class="se-fs- se-ff- " id="SE-806b2865-44ce-11eb-84e9-2b8a72aeb485">​</span></p><!-- } SE-TEXT --><!-- SE-TEXT { --><p class="se-text-paragraph se-text-paragraph-align- " id="SE-806b2868-44ce-11eb-84e9-59a9f4cfedf6" style="line-height: 1.8;"><span class="se-fs- se-ff- " id="SE-806b2867-44ce-11eb-84e9-e3a409450020">금융감독원의 '상속인 금융거래 조회서비스'를 통해 망자의 은행, 증권, 보험, 카드 등 금융거래사실을 쉽고 빠르게 일괄 조회할 수 있었다.</span><div class="autosourcing-stub-extra" style="-ms-zoom: 1; opacity: 1;"></div><p></p><p><br></p><p><br></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-806c60ee-44ce-11eb-84e9-f9903c0658f0" style="line-height: 1.8;"><span class="se-fs- se-ff- " id="SE-806c60ed-44ce-11eb-84e9-870678d9ab15">​</span></p><!-- } SE-TEXT --><!-- SE-TEXT { --><p class="se-text-paragraph se-text-paragraph-align- " id="SE-806c8800-44ce-11eb-84e9-8fe1a855f9b3" style="line-height: 1.8;"><span class="se-fs- se-ff- " id="SE-806c87ff-44ce-11eb-84e9-5ddf4896d7b1">1. 조회방법</span></p><!-- } SE-TEXT --><!-- SE-TEXT { --><p class="se-text-paragraph se-text-paragraph-align- " id="SE-806c8802-44ce-11eb-84e9-77c0b608a02c" style="line-height: 1.8;"><span class="se-fs- se-ff- " id="SE-806c8801-44ce-11eb-84e9-ed5e63c21994">​</span></p><!-- } SE-TEXT --><!-- SE-TEXT { --><p class="se-text-paragraph se-text-paragraph-align- " id="SE-806c8804-44ce-11eb-84e9-2117d32dc8db" style="line-height: 1.8;"><span class="se-fs- se-ff- " id="SE-806c8803-44ce-11eb-84e9-a97347c499be">조회서비스는 상속인이 사망자, 실종자, 피성년후견인 또는 피한정후견인 명의의 금융재산을 조회하기 위해 금융회사를 방문해야 하는 불편을 덜어주기 위해 마련됐다.</span></p><!-- } SE-TEXT --><!-- SE-TEXT { --><p class="se-text-paragraph se-text-paragraph-align- " id="SE-806c8806-44ce-11eb-84e9-4f3b5db0548c" style="line-height: 1.8;"><span class="se-fs- se-ff- " id="SE-806c8805-44ce-11eb-84e9-5bdeeea5b43c">​</span></p><!-- } SE-TEXT --><!-- SE-TEXT { --><p class="se-text-paragraph se-text-paragraph-align- " id="SE-806caf18-44ce-11eb-84e9-25177230eb1d" style="line-height: 1.8;"><span class="se-fs- se-ff- " id="SE-806caf17-44ce-11eb-84e9-39e399e5ffe5">●조회서비스는 은행, 금융투자, 보험, 카드 등 14개 금융권역과 연금공단에서 신청한다.</span></p><!-- } SE-TEXT --><!-- SE-TEXT { --><p class="se-text-paragraph se-text-paragraph-align- " id="SE-806caf1a-44ce-11eb-84e9-47b1f6602837" style="line-height: 1.8;"><span class="se-fs- se-ff- " id="SE-806caf19-44ce-11eb-84e9-3d29d0fc964b">​</span></p><!-- } SE-TEXT --><!-- SE-TEXT { --><p class="se-text-paragraph se-text-paragraph-align- " id="SE-806caf1c-44ce-11eb-84e9-91142fd2ef95" style="line-height: 1.8;"><span class="se-fs- se-ff- " id="SE-806caf1b-44ce-11eb-84e9-b10ba3f21755">​</span></p><!-- } SE-TEXT --><!-- SE-TEXT { --><p class="se-text-paragraph se-text-paragraph-align- " id="SE-806cd62e-44ce-11eb-84e9-bb30ce463583" style="line-height: 1.8;"><span class="se-fs- se-ff- " id="SE-806cd62d-44ce-11eb-84e9-95f1694179af">2. 조회 대상</span></p><!-- } SE-TEXT --><!-- SE-TEXT { --><p class="se-text-paragraph se-text-paragraph-align- " id="SE-806cd630-44ce-11eb-84e9-f99f750a5f37" style="line-height: 1.8;"><span class="se-fs- se-ff- " id="SE-806cd62f-44ce-11eb-84e9-4b464accefc2">​</span></p><!-- } SE-TEXT --><!-- SE-TEXT { --><p class="se-text-paragraph se-text-paragraph-align- " id="SE-806cd632-44ce-11eb-84e9-bf2babe28948" style="line-height: 1.8;"><span class="se-fs- se-ff- " id="SE-806cd631-44ce-11eb-84e9-4bc8bbfda6aa">망인(피상속인) 명의의 예금, 대출, 보증, 증권계좌, 보험계약, 신용카드 및 가계당좌거래 유무, 세금체납정보, 연금가입정보 등이다.</span></p><!-- } SE-TEXT --><!-- SE-TEXT { --><p class="se-text-paragraph se-text-paragraph-align- " id="SE-806cd634-44ce-11eb-84e9-09ad85b3af9b" style="line-height: 1.8;"><span class="se-fs- se-ff- " id="SE-806cd633-44ce-11eb-84e9-058ca55fe1e3">​</span></p><!-- } SE-TEXT --><!-- SE-TEXT { --><p class="se-text-paragraph se-text-paragraph-align- " id="SE-806cfd46-44ce-11eb-84e9-a9fbcda1dced" style="line-height: 1.8;"><span class="se-fs- se-ff- " id="SE-806cfd45-44ce-11eb-84e9-252f049486dd">단, 일부 금융회사는 조회가 안되므로 해당 금융회사에 가서 직접 조회해야 한다.</span></p><!-- } SE-TEXT --><!-- SE-TEXT { --><p class="se-text-paragraph se-text-paragraph-align- " id="SE-806cfd48-44ce-11eb-84e9-93dd73ee0ca2" style="line-height: 1.8;"><span class="se-fs- se-ff- " id="SE-806cfd47-44ce-11eb-84e9-495123062a27">​</span></p><!-- } SE-TEXT --><!-- SE-TEXT { --><p class="se-text-paragraph se-text-paragraph-align- " id="SE-806cfd4a-44ce-11eb-84e9-3d159a9837a9" style="line-height: 1.8;"><span class="se-fs- se-ff- " id="SE-806cfd49-44ce-11eb-84e9-8bfd2258bdbc">​</span></p><!-- } SE-TEXT --><!-- SE-TEXT { --><p class="se-text-paragraph se-text-paragraph-align- " id="SE-806d245c-44ce-11eb-84e9-a718526b28f3" style="line-height: 1.8;"><span class="se-fs- se-ff- " id="SE-806d245b-44ce-11eb-84e9-15244c3148d6">3. 준비서류</span></p><!-- } SE-TEXT --><!-- SE-TEXT { --><p class="se-text-paragraph se-text-paragraph-align- " id="SE-806d245e-44ce-11eb-84e9-d7bdd4a9a577" style="line-height: 1.8;"><span class="se-fs- se-ff- " id="SE-806d245d-44ce-11eb-84e9-cd28dc78a98b">​</span></p><!-- } SE-TEXT --><!-- SE-TEXT { --><p class="se-text-paragraph se-text-paragraph-align- " id="SE-806d2460-44ce-11eb-84e9-2bc1539d8555" style="line-height: 1.8;"><span class="se-fs- se-ff- " id="SE-806d245f-44ce-11eb-84e9-e9aad87276e5">상속인이 사망진단서, 가족관계증명서, 상속인 실명확인증표 등 관련 서류를 구비해 가까운 접수처에 직접 내방 신청해야 한다. </span></p><!-- } SE-TEXT --><!-- SE-TEXT { --><p class="se-text-paragraph se-text-paragraph-align- " id="SE-806d2462-44ce-11eb-84e9-914e6130a5a6" style="line-height: 1.8;"><span class="se-fs- se-ff- " id="SE-806d2461-44ce-11eb-84e9-93831f7e7493">​</span></p><!-- } SE-TEXT --><!-- SE-TEXT { --><p class="se-text-paragraph se-text-paragraph-align- " id="SE-806d4b74-44ce-11eb-84e9-f5a9c04ea6da" style="line-height: 1.8;"><span class="se-fs- se-ff- " id="SE-806d4b73-44ce-11eb-84e9-9d6ce0c62652">※ 인터넷, 우편 및 전화접수는 받지 않는다.</span></p><!-- } SE-TEXT --><!-- SE-TEXT { --><p class="se-text-paragraph se-text-paragraph-align- " id="SE-806d4b76-44ce-11eb-84e9-15271706de70" style="line-height: 1.8;"><span class="se-fs- se-ff- " id="SE-806d4b75-44ce-11eb-84e9-2380b0692214">최근, '정부24'를 통해서 가능.</span><p class="se-text-paragraph se-text-paragraph-align- " style="line-height: 1.8;"><span class="se-fs- se-ff- "><br></span><p class="se-text-paragraph se-text-paragraph-align- " style="line-height: 1.8;"><span class="se-fs- se-ff- "><br></span></p><p><span class="se-fs- se-ff- "></span><p class="se-text-paragraph se-text-paragraph-align- " id="SE-806e83fe-44ce-11eb-84e9-990fc86c0b53" style="line-height: 1.8;"><span class="se-fs- se-ff- " id="SE-806e83fd-44ce-11eb-84e9-ebf119fd5369">4. 조회결과 수신</span></p><!-- } SE-TEXT --><!-- SE-TEXT { --><p class="se-text-paragraph se-text-paragraph-align- " id="SE-806e8400-44ce-11eb-84e9-558dddbf6c68" style="line-height: 1.8;"><span class="se-fs- se-ff- " id="SE-806e83ff-44ce-11eb-84e9-dd29dbddff46">​</span></p><!-- } SE-TEXT --><!-- SE-TEXT { --><p class="se-text-paragraph se-text-paragraph-align- " id="SE-806eab12-44ce-11eb-84e9-0b382d0ad565" style="line-height: 1.8;"><span class="se-fs- se-ff- " id="SE-806eab11-44ce-11eb-84e9-b32bc4a81532">신청서 접수 이후 금융감독원은 신청자료를 종합해 금융업협회 등에 조회를 의뢰하고, 각 협회는 소속 금융회사에 조회를 요청해 금융회사는 조회결과를 협회에 통지한다. </span></p><!-- } SE-TEXT --><!-- SE-TEXT { --><p class="se-text-paragraph se-text-paragraph-align- " id="SE-806eab14-44ce-11eb-84e9-0d7816fab65c" style="line-height: 1.8;"><span class="se-fs- se-ff- " id="SE-806eab13-44ce-11eb-84e9-b9c98a471b33">​</span></p><!-- } SE-TEXT --><!-- SE-TEXT { --><p class="se-text-paragraph se-text-paragraph-align- " id="SE-806eab16-44ce-11eb-84e9-1158f3db8af2" style="line-height: 1.8;"><span class="se-fs- se-ff- " id="SE-806eab15-44ce-11eb-84e9-fdf708d43bd9">상속인은 접수일로부터 3개월간 각 협회 홈페이지에서 결과를 조회할 수 있다.</span></p><!-- } SE-TEXT --><!-- SE-TEXT { --><p class="se-text-paragraph se-text-paragraph-align- " id="SE-806ed228-44ce-11eb-84e9-dd89dfe8963b" style="line-height: 1.8;"><span class="se-fs- se-ff- " id="SE-806ed227-44ce-11eb-84e9-ef3bab267bfd">​</span></p><!-- } SE-TEXT --><!-- SE-TEXT { --><p class="se-text-paragraph se-text-paragraph-align- " id="SE-806ed22a-44ce-11eb-84e9-efa99dbe6605" style="line-height: 1.8;"><span class="se-fs- se-ff- " id="SE-806ed229-44ce-11eb-84e9-29f252d39f45">조회결과가 서면으로 통보되진 않는다. </span></p><!-- } SE-TEXT --><!-- SE-TEXT { --><p class="se-text-paragraph se-text-paragraph-align- " id="SE-806ed22c-44ce-11eb-84e9-69706bc92ddf" style="line-height: 1.8;"><span class="se-fs- se-ff- " id="SE-806ed22b-44ce-11eb-84e9-178128897961">​</span></p><!-- } SE-TEXT --><!-- SE-TEXT { --><p class="se-text-paragraph se-text-paragraph-align- " id="SE-806ed22e-44ce-11eb-84e9-1d1bf51cf4db" style="line-height: 1.8;"><span class="se-fs- se-ff- " id="SE-806ed22d-44ce-11eb-84e9-0f9131a57b82">금융감독원 '파인' 홈페이지(http://fine.fss.or.kr)에서도 각 협회에서 제공하는 상속조회 결과를 일괄 조회할 수 있다.</span><div class="autosourcing-stub-extra" style="-ms-zoom: 1; opacity: 1;"></div><p></p><p></p><p class="se-text-paragraph se-text-paragraph-align- " style="line-height: 1.8;"><br><div class="autosourcing-stub-extra" style="-ms-zoom: 1; opacity: 1;"></div><p></p><p><br></p><p><br></p><p><br></p><p><br></p><p><br></p>

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