[Korea before lower cervical financial newspaper reporter: "This is a place where people struggling with debt can be supported in one place customized financial populace Agency."
Kim, Yoon - Young people Finance Agency director says about the role ordinary Finance Agency. Financial populace Agency was created to provide financial assistance to people effectively. Meanwhile, Ron sunny, deurimron changed, and many people smile financial instruments exist, but each different operating entities had difficulty people are employed. Because I could not compare what products fits their situation was one ilhi find the appropriate authorities. The people gathered populace Finance Agency financial products in one place makes the best fit to support ordinary circumstances. Agency is the reason which will act 'financial 119 people. Just as well as product recommendations and the 'platform' role to help recover the debtor.
Kim, Yoon - Young Director "and to oversee operations to non-financial support, including ordinary financial products, employment assistance, start-up and management consulting" and "funding only and not to economic resurgence, positioned as' ordinary finance a comprehensive portal to assist with self-reliance." he explained.
◇ from funding from job placement 'three-dimensional' citizens support
Kim, Yoon - Young director emphasizes the 'three-dimensional' financial support of the populace Agency. Promotion is simply not just funding. From career counseling and employment linked to welfare centers, plus the debtor's normal economic life of the common people Promotion Agency to support services and achieved both in the debt restructuring counseling sinbokwi. The ages of the populace Finance Agency in terms of "one-stop financial service counter people 'hierarchy are helping the debtor get out of debt trouble.
Mr Kim is "credit recovery committee if debt restructuring 30% of the 1.4 million people that are around are unemployed in the middle or late occurs suddenly danghamyeonseo an accident," it said "provides a comprehensive counseling to people in trouble as inevitable in the debtor's identity and to try to escape, "he said.
Agency paid the populace financial chongryeok to build infrastructure such as launch since the organization, staffing, expanding the network for this purpose for five months since its launch until now. Ron sunshine workers transferred and completed the integration of financial products, including ordinary citizens happy Funding Agency Secretariat installation. In addition, the foundation strives to provide the public loan brokerage companies in South Korea yijiron people to PB financial services integrated into the last 12 of January 23, the private placement of financial products, financial diagnostics, and asset management.
The past eight days, young people, college students make intensive support center in Gangnam populace financial integration support center locations nationwide, a total of 34 people to the increased financial integration support accessibility so that people can get financial counseling across the country.
Kim, Yoon - Young director, said, "three will be expanded to target vulnerable people to receive support and product maintenance and more people will benefit until January."
100 people of whom 99 ◇ debtor repayment willingness sure debtor
People support the policy of the government is difficult to avoid the 'moral hazard' debate. People happy funds belonging to the current financial populace Agency has received criticism that cut production insincere repay the debt write off from the launch time. In the financial sector it pointed the gun haejundago debtor to pay off the debt being granted moral obligation "people support" of its obligations to the flange nominal easily. The debtor is abusing the legal system is also more jilgeora geoseda opinion. Camcorder, Kim, Yoon - Young director from Credit Recovery Committee, the Finance Agency ordinary people gained experience in finance field, says that most are 'bad debtors' abusing the law.
Kim, Yoon - Young Director "people look at the yeoncheja statistics received financial support most delinquent amount, about 10 million won a small but overdue period is six years," he said "did not know or really need a feeding people accept high interest rate loans subject to long periods suffer most repayment commitment who said that. " He said, "I saw just one people who came to reclaim deurimron actually going to receive counseling, but the ability to change the reimbursement fund, even when the people happy," he said.
He defended the populace financial field long emphasized grow most sincere repayment of the debtor country. If you leave these people alone this collection to receive long-term social costs later it explained rather increased.
Kim, Yoon - Young Director "in the age of the debt adjuster 76 years older had some people over to work for eight years visited he would repay the debt," said "the 99 debtors have repaid the chair can not give up because one people abusing the law," he he said.
Public funds or credit recovery happy Commission has carefully analyzed the good repayment capacity so that the borrower can get the populace financial support. Review the debtor's repayment haphazard rather than a debt restructuring, we rely on, including in the process of debt restructuring.
It also supports debt restructuring agreement under the premise of the debtor and creditors to avoid anti-market principles.
He said, "Not bad in that you can get even a little bit as you would a debt restructuring by private creditors admission agreement between the parties," "financial thing that you repay the loan receives normal," said he said.
Emphasized that within the framework of the agreement between the parties and the law is being made, including credit recovery.
Director Kim said, "The Role of Credit Recovery Committee, the Finance Agency all people before going public debt restructuring mandeuneunge in the middle of the structure prior agreement between the parties, leading to a win-win and common people Finance Agency Credit Recovery Committee."
◇ Financial Edition 'three mother-daughter' ordinary financial PR Agency for Prevention chongryeok
The main thing that Kim Ledger eliminate 'dead zones finance. The tragedy of a few years ago, three mother-daughter ", known as the dangers of blind spots welfare shocked the world. As long as the possibility of widening the scope of the underprivileged Unlike in the past, financial blind spots occur it is increasing. In that the debtor is when various spectrum requirements related to eliminating blind spots effort.
Kim, Yoon - Young Director for the common people define "youth, single parent families, can call the various layers such as elderly people" and "people Finance Agency is a personalized service for support and multiple layers for jeosinyong, people on low incomes do not qualify concept provide, "he said. The most vulnerable jimyeonseo diversified financial authorities also expanded the sun Ron support for college students and has also improved system for single parents like children.
He is difficult to get people's support Eligibility criteria according to the credit rating, income was also pointed out two criteria If you do not receive a debt restructuring. Agency's populace financial support that you need to dig a target law does not cover his thoughts.
Kim, Yoon - Young Director "By doing a debt restructuring in the credit recovery committee or national happiness funding while Faithful repayment six years during 8 years debt adjustment period suddenly occurs if the repayment is not yirwojiji" and "If look at the debtor's situation to severe disease often a suddenly jammed or the elderly over 70 years, "he said.
In the National Happiness Commission funds or credit recovery debt of the patient difficult to repay the debt is a matter not pitch in relief haejugo policy.
"The most vulnerable makes decisions for relief through the rice fields of the Commission" and "the law a first step in the present, even if bound to happen realistically keep the dead zone difficult outgoing people find it a blind spot eliminating that are excluded from the framework of the law," said said.
The tragedy of blind spots are often caused by loopholes in the system, but also to appear 'not knowing' the system. Particularly vulnerable groups such as the elderly are often the past do not know if a lot of channels that you can even contact the institutions that receive limited assistance. Financial populace Agency plans to focus on the Agency to inform people so that they can get help from the Agency.
Kim, Yoon - Young Director "We are planning a public relations activities to inform citizens Finance Agency on public transportation addresses, such as bus stop" "will promote the cooperation between local governments, including vulnerable many social workers hierarchy and contacts, community center, apartments for rent," said he said.
He stressed that in order to fundamentally solve the blind spot is also important educational function. A large percentage of college students also receive a high interest rate loan did not clarify the concept of debt, often did not know the recipient well moneylender loans. This is also why people want to Financial Agency in charge of the future is this educational function.
Mr Kim is "If you receive not know look at the students' stories subjected to high interest rates moneylender loans also often" and stressed that "will be reduced if financial authorities is in progress jundamyeon planted the economic ideas from a young age as one company, one school struggling to high interest rates to" did.
Kim, Yoon - Young director says watching the case for economic resurgence over the populace Finance Agency felt the need for active support. Students who are accepted into yijunggo gyeokeumyeo the cost of living and entering the job preparation while contemplating giving up your dreams do support the youth and college students twice here in sunny Ron loans has also succeeded in reducing the cost of living burden employment. Recent youth plans to expand the debtor, such as job placement through the linkage of employment and welfare centers as being large.
Mr Kim was Finance Agency and the populace my role is going to try to establish further 'support system' for people to position itself as a fundamental support organizations.
Kim, Yoon - Young Director populace through, such as holding "ordinary financial provision for research-based and ordinary financial integration DB Construction to proceed with the initial work for," said "ordinary financial seminars financial institutes, while the outgoing and promote partnerships such as the academic community people He said it also plans to issue financial periodic reports ".
< Education >
- 1974. High school games
- 1978 Seoul National University Geology
- Carnegie Mellon University, 1989. MBA
< career >
- 1979.12. Export-Import Bank of Korea joined
- 1994.02. Korea Export-Import Bank of Washington Office deputy director
- 1998.01. Export-Import Bank of Korea Research Institute deputy president and foreign investment josayeok
- 2004.01. Export-Import Bank of Korea International Financial Services Team Leader
- 2005.05. Korea Export-Import Bank of Dubai office director
- 2008.01. Export-Import Bank of Korea Planning Manager
- 2009.12 - 2012.09. Export-Import Bank of Korea buhaengjang
- 2012.09 - 2014.04. Korea Asset Management Corporation Executive Director
- 2014.04 ~ current credit recovery committee
- 2016.09 ~ current financial populace Agency Director
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