자영업자 이자환급On the 21st, Korea Federation of Banks Chairman Cho Yong-byeong and presidents of 20 banks held a meeting with Financial Services Commission Chairman Kim Joo-hyun and Financial Services Commission Chairman Lee Bok-hyun at the Bank Hall in Jung-gu, Seoul, and announced the ‘2 trillion won + α plan to support people’s livelihood finance’.
On this day, Chairman Cho Yong-byeong said, “We have prepared a win-win plan that can lower the interest rate burden on vulnerable groups without harming the bank’s soundness,” and added, “The support amount will be used for direct support costs for the vulnerable groups, and will be used for win-win financial activities in the banking sector.” “It is the largest ever,” he said.
This measure was decided by the banking sector and financial authorities to prepare a plan to reduce the interest burden on small business owners through the ‘FSC-FSS-Financial Holding Company Meeting’ held on November 20th and the ‘FSC-FSS Bank Presidents Meeting’ held on the 27th. This is a follow-up measure to the agreement. As the banking sector achieved the highest level of interest profits ever in this year’s high interest rate environment, President Yoon Seok-yeol continued to criticize banks for being ‘servants’ and came up with a response plan.
The financial sector will return 1.6 trillion won in the form of interest refund (cashback) to approximately 1.87 million small business owners who meet the support qualifications. The remaining 400 billion won is planned to be used to support electricity bills and rent for small business owners, support vulnerable groups other than small business owners, and funds contributed by guarantee agencies or the Korea Inclusive Finance Agency. The 2 trillion won coexistence fund is financed by 18 employees excluding the Korea Development Bank and Export-Import Bank, which are government-run banks. The banks decided to distribute the contribution based on each bank’s net profit. The Korea Development Bank and the Export-Import Bank provide additional support through policy finance programs.
Those eligible for interest refunds are borrowers who hold personal business loans as of the 20th of this year. Based on the loan limit of 200 million won, you can receive a refund for the portion of the loan interest paid during one year that exceeds the 4% interest rate. The maximum refund amount a borrower can receive is 3 million won.
However, some support criteria can be adjusted voluntarily, taking into account each bank’s soundness, burden capacity, etc., and borrowers of loans in the real estate rental business are excluded from support.
Financial Services Commission Chairman Kim Joo-hyun said, “We will push for rapid execution so that small business owners can receive as many benefits as possible as soon as possible.”
Reporter Hyungdu Lee dudu@etnews.com
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