중앙데일리

Government Hikes Deposit Insurance Premiums

June 12,2000

The Korea Deposit Insurance Corporation will double deposit insurance premiums collected from financial institutions, in return for substitute payment for deposits, across the board beginning in July.

As a result, financial institutions' deposit insurance premiums will soar to almost 1 trillion won ($900 million) annually. It is likely that banks will transfer the burden to their customers either by raising interest rates for loans or by cutting interest rates for deposits.

The Ministry of Finance and Economy declared on June 12 that the Depositors Protection Act would be revised in order to replenish the dwindling deposit insurance fund.

According to the revision draft, premiums will double across the board for deposits under protection. The rate will rise from 0.05 percent to 0.1 percent for banks, from 0.1 percent to 0.2 percent for securities companies, and from 0.15 percent to 0.3 percent for insurance companies, merchant banks, savings and finance firms, and credit unions.

Subsequent to the rate increase, premiums paid by financial institutions (including domestic branches of foreign financial institutions) are estimated to total 956 billion won ($860 million) annually. This figure comprises premiums of $407 million from banks, $293 million from insurance companies, $58 million from savings and finance firms, $50 million from credit unions, $31 million from merchant banks, and $22 million from securities companies.

The government made the decision in part because public deposit insurance coffers are nearly depleted, and also because the plan to differentiate between insurance premiums, slated to be implemented next year, has been indefinitely postponed.

Many financial experts criticized the government's move. One of them explained, "It is natural that organizations with higher investment risks should pay higher premiums because the government has suspended the introduction of the insurance premium scale, citing the fear of inducing anxiety in the financial market, healthy financial institutions will be put at a disadvantage."



by Kim Kwang-ki







예급보험료율 다음달 부터 인상

예금보험공사가 예금대지급의 대가로 금융기관들로부터 거둬들이는 예금보험료를 다음달부터 일제히 1백% 올리게 된다.
 이에 따라 금융권의 예금보험료는 연간 1조원에 육박,금융기관들이 대출금리를 올리거나 예금금리를 내리는 방식으로 고객들에게 부담을 지울 공산이 커졌다.<관계기사 50면>
 재정경제부는 12일 바닥을 드러낸 예금보험기금의 확충을 위해 예금자보호법 시행령을 이같이 고쳐 7월중 시행에 들어갈 계획이라고 밝혔다.
 개정안에 따르면 금융기관별 보험료율은 예금보호대상인 예금 등의 잔액을 기준으로 ^은행 0.05%→0.1% ^증권사 0.1%→0.2% ^보험사·종금사·신용금고·신협 0.15%→0.3%로 일제히 1백%씩 오른다.
 이번 인상 조치로 금융기관(외국계 금융기관 국내 지점 포함)의 연간 보험료 부담액은 ^은행 4천5백20억원 ^보험 3천2백60억원 ^금고 6백40억원 ^신협 5백60억원 ^종금 3백40억원 ^증권 2백40억원 등 모두 9천5백60억원에 이를 것으로 추정된다.
 정부가 예금보험료를 이처럼 대폭 인상키로 한 것은 공적자금이 바닥난 이유도 있지만,내년부터 시행하려던 보험료 차등화를 무기한 연기했기 때문이다.
 금융 전문가들은 "보험료는 투자위험이 큰 곳에서 더 내는 게 당연하다"며 "정부가 금융시장 불안을 이유로 보험료 차등화를 연기하면서 우량 금융기관들만 피해를 보게 됐다"고 비판했다.








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