Corea del Sur will allow the new participants to enter the banking sector for the first time in 30 years to stimulate competition after the government criticizes the large bonuses paid to the bank employees as they are used among the banks.
El President Yoon Sok-Yul Acuso a Principios de Este Ano a los Bancos del Pais de Defrutar de un “Festin” de Bonificaciones y Aggrego que el Sector Obtuvo Gancias “Facilus” a expensas del público a través de la brecha de la brecha de tastre of deposits and loans.
The Comisión de Servicios Financieros said on Wednesday that the government would allow more online banks, allow commercial banking licenses for existing financial firms and relax the rules for loans and deposit banks online. Las medidas entran en vigor de immediato.
“We will promote competition in various aspects, because our banking industry has obtained easy profits in the midst of a lack of competition,” said the governor of the FSB, Kim Joo-hyun. “The general perception is that the industry has not done enough to become a global financial actor appropriate for the country’s economic position.”
Cinco prestamistas Han Dominado el sector bancario en Corea del Sur. El subíndice bancario del país cayó un 0.93 per cento on Wednesday afternoon in the middle of expectations of a major competition.
It is hoped that Daegu Bank, a regional banking unit of DGB Financial Group, will become the first beneficiary of the new rules. Planea request a license to become a lender at national level, according to the FSC.
“The oligopoly in the banking sector has caused great damage,” Yoon said at a meeting of economic ministers in February, and asked the financial regulators to implement measures to oblige the country’s banks to alleviate the pressures on life.
“The public feels tremendous pressure on debt at the high interest rates of the bank,” said Yoon to officials in a separate meeting this year.
El Banco de Corea raised its benchmark interest rate from 1 percent to 3.25 percent during the past year. Latasa base is actually 3,5 por sciento, y los analistas esperan que las tasas de morosidad aumenten en la segunda mitad de este año a medida que la economia del país se desacelera.
La ganancia neta combinada de los cinco grupos financiers más grandes de Coria del Sur (Shinhan Bank, Kookmin Bank, Hana Bank, Wori Bank and Nonghype Bank) alcanzo los 12,7 billions de wones ($9,800 milliones) en 2022, un 18 por más que el año in front.
Los críticos dijeron que las medidas recientes no fueron sufficiente para aumentar la competition en el sector.
“Culpar a los bancos por los generosos pagos de bonificaciones que se reimbursan legally con grandes ganancias no es razonable”, said Hwang Se-won, researcher at the Instituto de Mercado de Capitales de Korea. “Demasiada interncia verbal como esta agrega incertidumbre al ambiente de negocios en el sector”
He added that the newcomers would be difficult to become serious competitors of the existing players.
“Es dífícil shake la dinámica actual del Mercado sin flexibilizar las regulations en areas de negocios que se dividen entre bancos, casas de bolsa y administradors de activos”, said Huang.
N. Correa del Sur, chaebol Los conglomerados contróldos poro family como Samsung and Hyundai tienen prohibido ingresador al sector bancario por temor a que puedan usar sus subsidiarias bancarias para financier ilegalmente la expansión comercial o enricher a sus principales accionistas.
Los Bancos de Coria del Sur no pueden participar en la banca de inversión y la gestioni de activos, lo que los deja dependientes de los ingresos por intereses.
