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홍차넷
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뉴스
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- 새로운 뉴스를 올려주세요.
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전체기타정치IT/컴퓨터방송/연예스포츠경제문화/예술사회게임의료/건강과학/기술국제외신
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| Date |
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| Name | cummings |
| File #1 | 2021111623300712236_1637073007_0924218551.jpg (253.2 KB), Download : 72 |
| Subject | 신한銀, 국세청 전용 대출한도 축소 미리 알려줬다 |
 http://news.kmib.co.kr/article/view.asp?arcid=0924218551&code=11151300&cp=nv 신한은행이 지난 9월 국세청 직원 전용 신용대출 한도를 축소하는 과정에서 국세청에 이 정보를 사전 유출한 것으로 확인됐다(국민일보 11월 16일자 1면 보도). 신한은행과 저금리 대출 협약을 맺은 일부 기관 소속 직원들이 대출 규제 시행 직전에 이를 알고 대거 ‘대출 쇼핑’에 나서 이 은행의 평균금리를 기형적으로 끌어내렸다는 의혹이 사실로 드러난 셈이다. 서민들은 영문도 모른 채 고금리 ‘대출 절벽’에 몰리는 사이 ‘힘 있는’ 공무원들만 특혜를 누렸다는 비판이 일고 있다. 16일 더불어민주당 김두관 의원실에 따르면 신한은행은 지난 8월 말 국세청에 ‘세미래 행복대출(금융협약) 안내문’을 발송했다. 신한은행은 “9월 10일부터 신용대출 한도율이 연 소득의 200%에서 100%로 축소 변경된다”고 사전에 고지했다. 대출 규제 10일 전에 미리 알려준 것이다. 세미래 행복대출은 신한은행이 판매 중인 국세청 직원 전용 대출 상품이다. 최대 2억원까지 빌려주며, 평균금리는 연 1.80%(지난 8월 기준)에 불과하다. 신한은행이 사전에 정보를 유출하면서 이를 인지한 국세청 직원들이 대거 특혜성 대출을 받으면서 신한은행의 9월 마이너스통장 평균금리는 연 2.86%로 다른 시중은행에 비해 최대 1% 포인트가 낮아지는 통계 왜곡현상마저 일어났다. [일반 금융 소비자들은 영문도 모른 채 대출 한도가 깎여 애를 먹은 데 비해 국세청 직원들은 대출 제한도 늦게 적용되고 그 사실마저 사전에 안내받는 특혜를 누린 것이다.] 김 의원은 “2018년 7월 국세청이 신한은행에 대한 세무조사를 개시했고, 그다음 달에 국세청과 신한은행의 대출협약이 5년 연장되면서 금리가 더 낮아지는 등 특혜가 강화됐다”고 말했다. 이에 대해 신한은행 측은 “대출 조건이 기존 협약 내용과 달라졌기에 내용을 통보한 것”이라고 해명했다. [국세청은 당초 9월30일까지 특혜성 대출을 받을 수 있다고 공지했다가 국정감사를 하루 앞둔 10월 7일 김 의원실에서 문제를 제기하자 뒤늦게 7일에서야 내부게시판의 공지를 30일에서 10일로 수정했다.] 이번에 문제가 된 것은 신한은행의 국세청 협약 상품이지만, 공무원·공공기관 직원을 대상으로 한 특혜성 저금리 대출은 다른 시중은행 사이에서도 관행처럼 이뤄지고 있다. 김 의원실이 입수한 ‘공무원 대출상품 현황’에 따르면 지난 4월 기준 5대 시중은행(KB국민·우리·하나·NH농협·신한은행)이 공무원연금관리공단, 경찰청, 국세청 등 기관과 협약을 맺고 판매 중인 대출 상품은 28종에 달한다. 금리도 연 1.25%(KB무궁화 신용대출), 연 1.69%(NH 공무원생활안정자금) 등 웬만한 최고 신용등급자에게 적용되는 금리보다 낮은 수준이다. 이 같은 공무원 대상 ‘특혜 대출’ 비용은 고스란히 일반 금융소비자에게 전가된다. 또 대출 총량이 엄격히 규제되는 상황에서 대출이 꼭 필요한 서민들에게 직접적인 피해가 돌아간다는 지적이다. 김소영 서울대 경제학과 교수는 “시중은행이 자율적으로 공무원 대출상품을 팔았다면 문제가 없겠지만, 특정 집단의 영향으로 저금리 상품이 판매됐다면 문제”라며 “이 경우 상품 판매 과정에서 발생한 비용이 일반 금융소비자에게 전가되는 등 형평성 문제가 발생할 수 있는 만큼 금융 당국이 면밀히 모니터링해야 할 것”이라고 밝혔다. ------------------------------------------------------------------------ <신한·우리銀도 신용대출 한도 '연봉 이내' 축소> https://news.mt.co.kr/mtview.php?no=2021091509562356855 [신한은행은 지난 10일부터 연소득을 기준으로 산출하는 개인 신용대출 한도를 '연소득의 100%'로 조정했다.] 2018년 기사<신한은행, 국세청 세무조사 받는다…신한캐피탈 이어 줄조사> https://www.sejungilbo.com/news/articleView.html?idxno=13273 대한민국 정책브리핑의 반박내용 <국세청, 세무조사 때마다 특혜? 사실과 다르다> https://www.korea.kr/news/policyNewsView.do?newsId=148894057 금리특혜야 공무원의 직업안정성을 이유로 어느정도 수긍이 가능한 부분이고 2013년 신한은행 세무조사와 국세청 특약금리계약, 2018년 세무조사와 국세청 특약금리 재계약이 우연의 일치로 갱신기간이 겹쳤으며, 신한은행측에서 세무조사를 잘 봐달라며 금리를 더 깎아줬을거라는 증거는 없습니다만 타 뉴스 기사들 참조하면 신한은행은 9월 10일부터 신용대출 최대한도를 100%로 하향시켰습니다. 하지만 국세청 직원대출은 9월30일까지 200%로 대출을 많이 받을수 있도록 한것은 명확한 특혜로 보입니다. Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 133 Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 146 Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 161 0 이 게시판에 등록된 cummings님의 최근 게시물
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Warning: Use of undefined constant reg_date - assumed 'reg_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 620
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 628
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 628
Warning: Use of undefined constant HTTP_HOST - assumed 'HTTP_HOST' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 640
Warning: Use of undefined constant name - assumed 'name' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 644
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 646
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 646
Warning: Use of undefined constant HTTP_HOST - assumed 'HTTP_HOST' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/cmt_replace.php on line 3
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 6
Warning: Use of undefined constant file_name - assumed 'file_name' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 28
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 65
183227 class="iamcmt" style="display:none;"> Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 66
183227 class='vcm '>
Warning: Use of undefined constant x - assumed 'x' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 70
Warning: Use of undefined constant x - assumed 'x' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 71
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 76
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 117
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 118
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 119
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 120
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 121
183227'> jnote0504
Warning: Use of undefined constant mod_date - assumed 'mod_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 133
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 140
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 140
Warning: Use of undefined constant reg_date - assumed 'reg_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 142
21/11/17 09:35
183227>삭제 주소복사
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 150
국세청님 충성충성 ^^!
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 158
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 166
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 172
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
2
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 158
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 166
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 172
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
2
183227>
183227>
