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다단계 판매에 대한 기독교 윤리적 비판

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다단계 판매에 대한 기독교 윤리적 비판 칼럼모음 2006/04/28 20:01

http://blog.naver.com/dlsrnjs2028/30004012021




다단계 판매에 대한 기독교윤리적 비판

강 원 돈



다단계 판매가 세인의 관심과 비판의 대상이 된 지는 오래 되었다. 사람들은 피라미드식 판매가 사회적 물의를 빚고, 

뒤늦게 막차를 탄 사람들이 가산을 탕진하고 가정이 파괴되는 일이 빈번하게 일어났던 것을 기억하고 있을 것이다. 

국가도 사태의 심각성을 깨닫고 1990년대 중반에 다단계 판매를 규제하는 법을 제정하게 되었다.

그런데도 다단계 판매는 고개를 숙이기는커녕 끝없이 확대되고 있고, 심지어 평신도들이 다단계 판매에 가입하지 않도록 

계도해야 할 목회자들도 이에 대거 참여하고 다단계 판매를 통해 목회 네트워크를 구축할 수 있다는 망상마저 보이고 있다.

이 글에서 나는 기독교윤리의 입장에서 다단계 판매가 어떤 점에서 문제가 있는가를 밝혀서 교회의 목회자들과 

평신도들에게 참고자료가 되도록 하고 싶다.


1. 다단계 판매란 무엇인가? 

다단계 판매는 상품의 소비자가 판매원이 되어 하부 판매조직을 구축하여 판매의 순차적, 단계적 네트워크를 구축하는 

상품순환의 한 방식이다. 다단계 판매에서 판매원은 상품을 구입한 뒤에 이를 하부라인의 소비자들에게 판매하여 마진을 얻는다. 

거기에 더하여 하부 판매라인을 구축한 판매원은 거기서 판매된 상품의 매출 가운데 일부를 수입으로 받게 된다. 

따라서 하부 판매라인이 많은 단계에 걸쳐 구축되면, 다단계 판매의 상부라인에 있는 사람의 수입은 크게 늘어난다.

다단계 판매회사의 주장에 따르면, 생산자와 소비자 사이에 중간 유통단계가 없고 직접적인 인간관계를 매개로 하여 

판매가 이루어지기 때문에 중간 마진과 광고비용 등이 발생하지 않는다고 한다. 

그리고 이처럼 절약된 비용은 소비자들의 이익으로 돌아가게끔 판매가 조직되어 있다고 주장한다.

이러한 주장을 듣는 사람 치고 귀가 솔깃하지 않는 경우는 매우 드물 것이다. 하부 판매라인을 많이 구축하기만 하면 앉아서 큰돈을 

벌 수 있다는 생각에 가슴이 두근거리기도 할 것이다. 그러나 다단계 판매에는 여러 가지 함정들이 숨어 있다.


2. 다단계 판매의 맹점은 상품 순환 방식에 이미 숨겨져 있다. 

다단계 판매는 시장에서 공개적으로 이루어지는 상품 경쟁에서 벗어나 있고, 판매원과 소비자 사이의 인적 관계를 중심으로 

비공개적으로 이루어진다. 이것은 상품의 공급과 수요가 경쟁질서 가운데서 균형을 이루어야 한다는 시장원리에 정면으로 배치된다. 

이렇게 되면, 소비자는 상품의 질과 다양성을 보장받을 수 없을뿐더러 상품의 가격이 적정한지 판단할 수 없다.

이를 보여 주는 예들은 수없이 많다. 지면관계상 한 가지 예만을 든다면, 다단계 판매를 통하여 정수기를 비싼 값에 팔고, 

거기에 더하여 정기적으로 갈아야 하는 필터의 가격을 비슷한 제품의 필터 가격 보다 7배 가량 비싸게 책정하는 것이 그것이다.

이런 식의 상품 거래는 역사적으로 주어진 시장경제의 질서를 문란하게 하여, 다단계 판매를 기획하고 상품을 공급하는 

사람들에게는 엄청난 폭리를 가져다 주고, 소비자들에게는 막대한 피해를 안겨주고 있음을 보여 준다.

기독교윤리는 생산과 소비 영역에서 공정성과 투명성을 지킬 것을 요구한다. 기독교윤리의 관점에서 역사적으로 주어진 시장경제를 

그대로 인정할 수는 없지만, 공정하고 투명한 시장경쟁을 통하여 생산과 소비가 조절되고 둘 사이의 거시균형을 이루는 것은 

바람직한 일이다. 이런 관점에서 보면, 다단계 판매는 생산자의 이윤 추구와 소비자의 용익 추구를 최대화하는 상품거래 절차의 공정성을 

훼손시키는 상품 거래 방식이라고 규정할 수 있다.


3. 다단계 판매의 문제는 친구, 친척, 동문, 동향 등 사람들이 서로 맺고 살아가는 모든 관계들을 상품 거래관계로 변화시킬 수 있다는 데 있다. 

하부 판매라인을 많이 구축하면 구축할수록 상부라인의 판매원이 더 많은 수입을 얻을 수 있도록 설계된 다단계 판매의 속성 때문에 판매원이 하부 판매라인을 늘려야 한다는 강박 아래 놓일 것은 뻔하다. 판매원은 위에서 말한 관계들을 총동원하여 하부라인을 구축하려 들 것이다. 그렇게 되면 거래관계로 변질되어서는 안 되는 무수한 인간관계가 훼손될 수 있다.

기독교 인간학의 관점에서 보면, 사람과 사람의 관계에서 서로 신뢰하고 상호개방적인 대화적 실존이 판매라인의 구축보다 훨씬 귀중한 의미를 가질텐데, 이러한 관계마저 다단계 판매망에서는 부차적인 것으로 여겨질 수 있다.


4. 다단계 판매의 또 다른 문제는 하부 판매라인에서의 거래가 상위 판매라인의 판매원에게 불로소득을 안겨주게끔 설계되어 있다는 데 있다. 

다단계의 상층에 있는 사람은 하부 판매라인에서 이루어지는 매출 가운데 일정 부분을 앉은자리에서 취득한다. 이것은 "이마에 땀을 흘려서 떡을 얻으라"는 기독교의 노동윤리와 정면으로 배치된다.

다단계 판매의 소득 발생 구조는 사행심을 불러일으키고, 판매의 하부라인에 있는 사람들에게 소비를 강요하고 판매망 구축을 강제하도록 유도할 수 있다. 기독교 윤리의 관점에서 볼 때, 이러한 현상은 용납되어서는 안 된다. 왜냐하면 경제의 목적은 인간의 물질적 욕구와 사회문화적 욕구를 충족시킴으로써 인간의 삶에 봉사하는데 그쳐야지, 눈앞의 이익을 위해 소비의 강제와 판매 강박을 불러일으키는 일일 수 없기 때문이다.


5. 다단계 판매의 허구성은 그것이 소비의 무한한 팽창을 논리적으로 전제하고 있다는 데 있다. 

하부 판매라인이 계속해서 구축되지 않는다면, 다단계의 하층에 놓여 있는 사람들의 소득은 증가하지 않을 것이다. 다단계 판매는 새로 가입하는 하층 판매원도 무한한 소득 기회가 있는 것처럼 말해야 할 것인데, 이것은 결국 소비가 암세포처럼 무한 증식된다는 것을 가정하지 않는 한 있을 수 없는 일이다.

자원의 희귀성 아래서 경제활동을 하는 경제주체들은 언제나 투자와 소비의 적정성을 고려하지 않을 수 없다. 이것은 태양 아래서 경제활동을 하는 사람들이 무한한 투자와 무한한 소비를 할 수 없다는 뜻이다. 바로 이 점에서 다단계 판매의 허구성은 명료하게 드러난다.

기독교윤리는 생태계의 안정을 유지하면서 적정 생산과 적정 소비가 거시 균형을 이루어야 한다는 점을 강조한다. 생명체들 사이의 공생관계를 살리면서 경제활동을 통하여 자족의 경제를 구축하라는 성서의 가르침(창세 1,26-2,4a)은 암세포의 무한증식 같은 소비의 무한 확장을 전제하는 다단계 판매를 인정할 수 없다.


6. 다단계 판매를 통해 교회의 인적 네크워크를 구축할 수 있다고 생각하는 목회자들이 있다면, 그들은 매우 유감스러운 선택을 했음을 인식하여야 한다. 

교회에서 가장 중요한 것은 평신도들이 서로 진정한 만남과 사귐을 이루고 서로 섬기는 일이다. 그것은 다단계 판매와 같은 문제 많은 상품 거래 관계를 수많은 단계들에 걸쳐 구축하는 일과는 아무런 상관이 없다.

다단계 판매에 대한 기독교 윤리적 비판 2006.04.28


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