제 1 편 예금일반  
제1장 금융경제 일반 ······················································································· 8  
1. 국민경제의 순환과 금융의 역할 ······················································· 8  
 
2. 주요 금융경제지표 ············································································ 14  
 
3. 금융시장 ····························································································· 28  
 
 
제2장 금융회사와 금융상품 ·········································································· 36  
1. 금융회사 ····························································································· 36  
 
2. 금융상품 ····························································································· 43  
 
 
제3장 저축과 금융투자에 대한 이해 ·························································· 66  
1. 저축의 기초 ························································································ 67  
 
2. 투자의 기초 ························································································ 70  
 
3. 주식투자 ····························································································· 77  
 
4. 채권투자 ····························································································· 84  
 
5. 증권분석 ····························································································· 93  
 
 
제4장 우체국금융 일반현황 ·········································································· 102  
◆ 우체국금융 일반현황 ··········································································· 102  
1. 연혁 ····································································································· 102  
 
2. 업무범위 ····························································································· 103  
 
3. 역할 ····································································································· 105  
 
4. 소관 법률 ···························································································· 106  
 
 
 
제 2 편 우체국금융 제도  
제5장 예금업무 개론 ······················································································· 112  
◆ 예금업무 일반사항 ··············································································· 112  
1. 예금계약 ····························································································· 112  
 
2. 예금거래의 상대방 ············································································ 118  
 
5 
3. 예금의 입금과 지급 ··········································································· 125  
 
4. 예금의 관리 ························································································ 134  
 
 
 
제6장 내부통제 및 금융소비자 보호 ·························································· 150  
1. 내부통제 .준법감시 개요 ································································ 150  
 
2. 금융실명거래 원칙 및 방법 ······························································ 153  
 
3. 금융거래에 대한 비밀보장 ······························································· 156  
 
4. 자금세탁방지제도 ············································································· 162  
 
5. 금융소비자보호 ················································································· 171  
 
 
제7장 예금관련법 ···························································································· 176  
1. 예금자보호 ························································································· 176  
 
2. 금융소득 종합과세 ············································································ 182  
 
3. 금융정보 자동교환 협정 ··································································· 190  
 
 
 
제 3편 우체국 금융 상품  
제8장 우체국금융 상품 ·················································································· 196  
1. 예금상품 ····························································································· 196  
 
2. 카드상품 (체크카드) ········································································· 218  
 
3. 펀드상품 ····························································································· 233  
 
 
제9장 우체국금융 서비스 ·············································································· 236  
1. 전자금융 ····························································································· 236  
 
2. 통합멤버십 (2024년 전체 내용 새롭게 들어옴) ··························· 243  
 
3. 우편환.대체 ····················································································· 244  
 
4. 외국환 ································································································· 245  
 
5. 제휴서비스 ························································································· 247  
 
 
제10장 전자금융 ······························································································ 256  
1. 전자금융의 의의 ················································································ 256  
 
2. 전자금융의 특징 ················································································ 257  
 
3. 전자금융의 발전 과정 ······································································· 258  
 
4. 인터넷뱅킹 서비스 ············································································ 260  
 
5. 모바일뱅킹 서비스 ············································································ 263 
 
6. 텔레뱅킹 서비스 ················································································ 264 
7. CD/ATM 서비스 ··············································································  266 
8. 신용카드, 직불카드, 체크카드, 선불카드 ·······································  270   
 
 
예금 일반  부 록   
1. 우체국 예금거래 기본약관 ········································································  280   
2. 입출금이 자유로운 예금 약관 ··································································  286   
3. 거치식 예금 약관 ·························································································  288   
4. 적립식 예금 약관 ·························································································  289   
5. 금융실명거래 및 비밀보장에 관한 법률 ················································ 291 
6. 우체국예금.보험에 관한 법률 ·······························································  297 
7. 우체국예금.보험에 관한 법률 시행령 ················································· 307 
8. 우체국예금.보험에 관한 법률 시행규칙 ············································   311