the passage of the National Assembly on the Financial Law of the People
All financial institutions handling household loans such as banks, insurance companies, and credit card companies will appear in the public finances for a total of 200 billion won annually. The Financial Supervisory Commission announced on the 21st that some amendments to the "Act on the Support of Financial Life of the People" have passed the […]

All financial institutions handling household loans such as banks, insurance companies, and credit card companies will appear in the public finances for a total of 200 billion won annually.

The Financial Supervisory Commission announced on the 21st that some amendments to the "Act on the Support of Financial Life of the People" have passed the plenary session of the National Assembly.

First, the scope of financial companies subject to the imposition of contributions, which are financed by the Korea Financial Promotion Agency, will be expanded to all financial companies that handle household loans such as banks, insurance 폰테크 companies, and credit finance companies from current mutual financial associations and savings banks.

Detailed contribution standards, contribution rates, and procedures will be decided by the Enforcement Decree, which is a subordinate statute, but the contribution discussed this time is up to 0.03% of the balance of financial institutions' household loans. This means that the bank should pay 105 billion won, the remaining business rights 18.9 billion won, and the insurance business rights 16.8 billion won.

The internal management system and governance structure of the Korea Institute for Public Finance will also be reorganized. For the stable management and return of dormant deposits, etc., management such as dormant deposits and projects utilizing the same shall be separated into separate accounts (new self-help support accounts). In order to ensure the independence of management such as dormant deposits, the decision-making structure of the Small Business Finance Promotion Agency is reorganized, and the chairman of the Small Business Finance Promotion Agency and the dormant deposit management committee are separated.

In order to increase the representation of the introduction of the financial sector contribution system, the government will expand its participation in the financial sector to the Steering Committee of the Korea Financial Promotion Agency.

The government also provided a device to prevent illegal loans that impersonate government financial support and other financial support for the common people. The government will impose a fine of 10 million won for impersonating institutions and 5 million won for impersonating government support.

It also provided legal grounds for the Financial Integration Support Center for the People, which comprehensively supports the financial life and debt adjustment of ordinary people. It is a joint office composed of the Small Business Finance Promotion Agency and the Credit Recovery Committee. It provides counseling, education and information for financial support for ordinary people, and supports debt adjustment for individual debtors.

In order to ease the burden of submitting documents for the financial users and debt adjustment applicants, the types and scope of administrative information that the Public Finance Promotion Agency and the Credit Recovery Committee can request for government agencies have been specified.

The revised bill will be implemented four months after the promulgation.

An official from the Financial Supervisory Commission said, "We will actively collect various opinions and plan to quickly follow up on the revision of sub-regulations."

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