[ad_1]
Claiming Basic Borrowing Rights After Basic Rent … “With the burden of the state, 1 ~ 2% of all citizens can borrow at low interest rates.”
Jae-myung Lee, Governor of Gyeonggi Province. Suwon / Cheol-gyu Jang, Senior Reporter [email protected] Hankyoreh Material Photo
Gyeonggi Province Governor Lee Jae-myeong argued that the “basic loan right” should be introduced so that all citizens can receive a certain loan amount at a low interest rate of 1-2%. On Radio 14 (MBC) ‘Attention Kim Jong-bae’, Governor Lee said, “There are 2 million people who are spending 24% interest now, borrowing an average of 8 million won. Among them, less than 5% of those who cannot pay them are 5 out of 100, and the government will provide some degree of guarantee for the credit risk that these people have ”. This is the purpose of Governor Lee’s “basic loan”. Among those who borrow money from banks, the delinquency rate is 0.1%, that is, one or two in 1,000, and most of the other 95% or more of citizens pay their loans well. Is to be. Governor Lee’s argument focuses on government intervention in this situation so that citizens can obtain low-interest loans. In a radio interview that day, when the presenter asked, ‘Is it the purpose of allowing someone to receive loans regardless of credit level?’ That’s why I added the word “basic”. Governor Lee said, “The central government lends (money) to the bank at 0.5% (interest), and doesn’t the bank run a loan business with this?” “Here, we give the right to a minimum loan because most of the people are marginalized. “If you want a very certain amount of long-term low interest, let’s make a negative passbook that you can use once in your life.” As for the ‘low interest’ range, “I think it should be loaned at a bank loan rate of 1.2%. “Whether you spend 3 years and pay, 10 or 20 years, if you pay the interest right, let’s let you spend as much (loan) as you want.” However, “you have to limit the amount. I do not intend to lend you hundreds of millions of dollars. “Regarding the reason why basic loans should be introduced, the governor said:” If (the bank) unfairly overwrites the credit risk of these people to the rest of the world, if they say that the 24 %, Could they be reimbursed? “If you become a person receiving basic livelihood benefits because you cannot find a job and are eligible for welfare expenses, you must provide more money. So, so that these people do not fall into such In a situation, if the government only takes responsibility for the credit risk of about 1 to 5 people out of 100, the remaining 95, 96 people (banks) will not operate normally even if they receive interest equal to the bank interest rate. ” Regarding the possibility of moral hazards, such as delaying payment after people borrow at low interest rates, the governor said: “What ordinary people would say, ‘It’s interesting and cheap, should I borrow and use it? ‘”” If you can’t pay (loan) Bad credit and seized salary … People who can’t help eating it. ” At the same time, the governor said, “This is not about lending hundreds of millions of won to each. They spend around 16 trillion won, which equates to about 8 million won on average. (The maximum loan amount) should be around that level. “On the other hand, Governor Lee said,” Let’s talk about something else “when the host asked about the evaluation of the Democratic Party’s decision to pay 20,000 won for communications to all citizens over the age of 13 until the fourth supplementary administration. I don’t think it is appropriate to say anything. It seems like it will only cause confusion. ” By Noh Ji-won, Staff Reporter [email protected]
[ad_2]
