[Weekly market funds - Brazil 6% return on equity, Mirae Asset ↑ ... JP Morgan 'excellent'

[Korea nine hyerin financial newspaper reporter] the third week of February, the Brazilian fund returns rose 5.65 percent last week, points (0.36%) year. JP Morgan Asset Management, Mirae Asset Management is the fund that Brazil went on top again.

17-day overseas equity weekly rate of return is a weekly 1.53 percent, according to the fund rating agencies epeuaen guide, BM yields (World-MSCI-AC WORLD INDEX FREE (KRW Unhedged), 1.14%) higher than the 0.39 percent points; 2 consecutive weeks plus a rate of return retained.

Details region, recorded the best performance with a return of 6.01 percent in Brazil. Followed by Latin America and North America, 4.32%, it showed a high rate of return to rise 2.46%, respectively. On the other hand, India chindiah showed a decline of -1.35%, -0.20%, respectively.

Despite the strong US dollar and China's Shanghai Composite Index rising commodity prices and a stable yuan has risen in anticipation of the policy, such as the People's Bank of liquidity. In overseas equity of the individual funds 'leverage China H 2.0 with Mirae Asset Securities Investment Trust index (equity-derivative ingenuity foldable) Category A' recorded a return of 7.74%, and showed excellent flow Following last week.

Followed by 'JP Morgan Brazilian Securities Investment Trust (CO-ingenuity foldable) A', 'Mirae Asset Brazilian industry representatives Securities Investment Trust 1 (CO) Type A', 'Mirae Asset China H leverage 1.5 Securities Investment Trust (CO-derived ingenuity foldable ) Category a 'are respectively 6.70%, 6.46%, recorded a return of 5.81%, and won the top.



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CJ O Shopping, Italian artisans combining luxury 'EGM' brand alone sold

[Korea gimeunji financial newspaper reporter] CJ O Shopping is a combination of luxury craftsmanship that represents Italy's first fashion goods distribution industry by introducing the products 'EMG' speed to produce the upscale fashion business.

CJ O Shopping will receive supplies three years over the past two Albert David, belonging to the union May 10, whom the Italian 'EMG' MOU with the other Rio ah Ferrer past, FAP Italy, Marie Nella, Stephen Mera total of five own-brand products I decided.

Italy 'EMG' is to produce a combination of Italian leather luxury craftsmanship that began in the 19th century, the Gucci designer who created the "David Alberta Rio, the famous James Bond sponsor Marie Nella, including all 11 brand tie of the President and the King It holds.

Beginning in 2007, it features a modern form of organization with cooperatives to expand the distribution and licensing business for its own brand and has saengsancheo currently operates in Milan, Florence, Naples.

Bags, accessories, etc. Italian luxury brands making leather craftsmen in charge of the union 'EMG' where brands are manufactured by the Italian Association certification, the Italian government sponsored enterprises certified, 100% Italian nationals Careers Certification is recognized within Italy.

CJ O Shopping is showcasing the products coming from March through business agreements with five of the total 11 brands belonging to the brands 'EMG'. Brands and products are scarves and ties, women's jewelery stereo camera portion of Alberta's David Rio 3 kinds of bags, ah ferret through the bag two kinds, FAP Italy Belts, Marie Nella.

CJ O Shopping dwaeteumyeo through a direct contract with the Italian local combined with a caustic non able to bring differentiated from upscale fashion product competition has accelerated in recent home shopping industry, for consumers showcasing the Italian mountains advanced product scarcity at a reasonable price dwaetdaneun a description.

CJ O Shopping is planning to embark in new brand development, product sourcing accessories such as jewelry, including the future expansion of the bag is held through seven saengsancheo The combination of EMG serves a variety of fashion goods belonging to the 'EMG'.

CJ O Shopping Style division baekseungmin director "was able through a direct contract with a luxury home Italy combined to showcase the high quality products you can trust to consumers" and "role model for shopping new business through continuous product development and product expansion It said it will continue to evolve. "

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Galleria "Wedding Promotions department until March

The [Korea gimeunji financial newspaper reporter] Galleria Department Store is in progress on the 'Galleria Wedding Promotion "in all branches by March 31, the right half of wedding season.

The target exercise period of new customers buying wedding membership subscription geumaekbyeol gift voucher worth 7% (300,000, 600,000, 1 million, 2 million won). Wedding promotion gift vouchers Galleria Department Store 7%, respectively, in the second half of the times, a promotion, an annual total of only once.

New membership Wedding Galleria is also available for subscription customers 'Occitane amenities four kinds' room upgrades and more benefits of the plazas and containing facial wedding package 15% discount "more special voucher Plaza. ₩ 100,000 more than at the time of first purchase after signing a first-come, first-served basis presents "Aesop honeymoon set.

It also provides a 'Duty Free Galleria 63 Special vouchers' that can get the benefits of the day on orders over $ 1 ₩ 20,000 Prepaid Cards gratitude, more than $ 300 on the day of purchase vouchers in the amount of ₩ 30,000 63 Duty Free Galleria.

Payment of accession Available Online ₩ 30,000 in reserve Galleria online duty free and allows you to upgrade to the 'Galleria' grade can receive a discount of up to 20%.

Wedding Galleria membership subscription contract or if you bring your identification and venue wedding wedding invitation can be issued membership cards. Earn period is six months from the date of issuance card, Miles is valid for up to three months after the earning period.

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Speedmate "Barcelo other batteries' 11 Street and linked sales O2O

[Korea gimeunji financial newspaper reporter] SK Networks brand of vehicle maintenance Speedmate O2O is the first domestic open market with SK Planet of 11th Street (Online to Offline) sets out the Barcelo other batteries sold through the Service.

Barcelo other (VARTA) and has a history of 125 years in Europe's largest professional brand batteries have been installed in most European premium cars such as Audi, BMW, Mercedes-Benz. Barcelo other AGM batteries, especially stop-and-high (Stop & Go) equipped with a function or this advantage is longer service life than conventional batteries point to optimize electricity use many imported vehicles.

Products sold in this Speedmate the Barcelo other based on a technology with a genuine battery manufacturer in the domestic (including labor) 100 amps based on official dealers buy 40% can be purchased for about low prices attract high interest of driving customers as it is expected.

Customers wishing to use their services, visit a pre-booking Speedmate the date on which you want to store and then order from the 11th Street Bar-other batteries is when you replace the battery. In Speedmate offer to drive customers visited the store the Battery Service at no extra cost.

These customers will want a vehicle with detailed check implementation also have free checking service for the engine oil, brake pads 22 entries.

Meanwhile, keeping pace with the rapid growth of the imported car market, Speedmate being distributed Michelin (Michelin), Bridgestone, blood Delhi and overseas famous brand tires from September 2015 through 11th Street. Also recently, has progressed to a variety of marketing focused on growing imported car market by launching an imported car maintenance Mobile discount card.

Speedmate official said, "Korea's representative online planning to launch an open market, a variety of O2O service will continue with 11th Street," said "customers will expand the opportunity to access a range of vehicle products and excellent maintenance services at a reasonable price."

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FSS, opened four days from 20 days 'financial supervision sessions'

[Korea goyounghun financial newspaper reporter] Financial Supervisory Service describes the direction of financial supervision in 2017, and said that the work session held 19 days to listen to opinions.

This briefing comes to financial companies and financial institutions, including the employees, the Institute specialists participate from 20 to 24, it is expected to proceed divided into six sectors, including banking, insurance and financial IT · small investment, people and financial consumer protection.

FSS hall in Yeouido, Seoul 20 days to start a small populace target financial supervision sessions, will be held 21 days banks, financial investments, insurance 24 days of consumer protection, financial supervision financial presentations for the IT sector.

It is also planning to operate in interactive way to discuss mutual, not unilateral approach to the supervision and inspection work plan passed, listen to the industry's opinions and suggestions, difficulties and financial issues.

In this presentation explains the Financial Services Commission also participated in this year's monetary policy direction, it will have the opportunity to communicate with participants regarding financial policies and supervision.



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Lotte leadership, former senior presidential anjongbeom 53 times and contact

[Korea gimeunji financial newspaper News] Shin, Dong - Bin Lotte Group, Lotte anjongbeom leadership and policy coordination, including the President former presidential chief was captured this context, one year ahead of the dozens of Contact Management Lotte corruption investigation.

According to Yonhap News reported on the 19th special prosecutor Park Young - Soo reportedly identified two key management team that received frequent phone can not send text messages, etc. and former chief ahead of the investigation, Lotte, Lotte Chairman Shin, Dong - Bin June 10 last year.

The SP were included in the investigation records from October 2015 and October last year, the phone Lotte safety senior leadership to give up and receive a text message that is passed from the prosecution history Special Investigations Division. Senior safety phone with them two or received, the number of sending and receiving text messages amounted to a total of 53 times.

Safety is a senior official contact with Lotte Chairman Shin, Dong - Bin Optics and he is Vice-President, Policy Division operating hwanggakgyu Mount (CEO), Director sojinse policy Cooperation Office (CEO) and the like.

In particular, the President should sojinse May 24 over a fortnight ahead of the former chief prosecutor of the apsu search and call. Ahninya to the prosecution of Internal Affairs should enter the information flows through the pre-Lotte is a former chief raised suspicions that background.

Real time search and seizure of evidence, such as Lotte side of the computer's hard disk circumstances can destroy discarded Bar is captured.

In addition, the defense of silse choesunsil's observation that the measure would have to understand the trends in internal affairs prosecutor Lotte prevails.

By Choi and established January last year, 'The Blue Kay' to intervene in two related to the business of K secured personnel and operating rights Sports Foundation, established complex sports facilities with the support of large companies after connection with the Facilities Management It established a business plan to profit taking the blue Kay.

Since the end of May Choi sides it demanded the Lotte K Sports Foundation contributions add seven billion won in the name of sports facilities built Hanam, 7 billion won from Lotte who had returned just before the prosecution of search and seizure.

Lotte was returned to 70 billion we placed in the K Sports Foundation June 9 last year. This day is a day before the prosecutor come forward in all directions for the search and seizure, Lotte management irregularities, and 9 were issued to charge a search and seizure warrant for such jungangji black Seoul Lotte Group Headquarters and Headquarters policy.

Last January 24 received in the open-related hearing and the charges of Choi and not former chief of misconduct exercise of rights hinder jeongdongchun former K Sports Foundation's former chief should "from" jeonghyeonsik K Sports Foundation Secretary-General from Lotte side 70 I want to return all of the million "has also been stated that the report came in touch."

Chairman Chung has "not received instructions to that effect as well as a former chief, Mr. Choi also" stated altitude.

Mr. Ko, Young - Tae Choi Choi aides also stated that "I'm the deteriorating situation of Mr. Lotte Group in May last year, saying that Choi had to give the money back can catch eonggyeo do not give money back" from the prosecution summoned.

A special counsel is investigating such allegations are reported to be difficult if we do not extend the investigation period Lotte safety through the investigation about whether senior or planning to get the information prosecutors Internal Affairs, the expiration of 28 days two months.

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Financial populace Foundation, Unison Workshop

[Korea before lower cervical financial newspaper reporter] the populace Finance Agency held a workshop in unison.

Finance Agency, said that people in the last 19 days 17 days held the 'Workshop in unison' financial plans for the ordinary shares and training center active in the gifted education located in Cheonan.

Workshop smile on private banking branches and conduct business organizations, financial integration support people, including ordinary financial workers 400 people attended.

Kim, Yoon - Young Foundation Director "Ask an active part in giving the Agency and hope to people with" "Promotion is a second-year launch of the populace financial support policy implementation and plans to pursue so fast-paced work to effectively achieve the established objectives," he said he said.



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Camcorder, industrial complexes, then normalizes the enterprise management support

[Korea before lower cervical financial newspaper reporter] sets out on my camcorder only industrial enterprise management normalization support.

19 days camcorder announced that it has signed a business agreement for "industrial activated only tenants of the business normalization support 'from the Korea Industrial Complex Corporation headquarters and in the last 17 days of the Korea Industrial Complex Corporation.

The MOU was last December 'Industrial Cluster Development and Factory Act on the Establishment' revised industrial complex industrial complex business normalization of the tenants have a legal basis for 'rental program, asset purchases, support the camcorder to the tenants according to maryeondoem It was promoted to support.

The next two institutions are mutual information on the various sectors of the industrial complex △ industrial facility sale or to company targets business guidance and promote the acquisition of △ industrial facilities, acquisition, leasing, management, collaboration and industrial complex related companies on the disposal It plans to strengthen collaboration to share.

Munchangyong camcorders said "Korea Industrial Complex give tuieo a breather in the industrial park businesses are experiencing the temporary liquidity problems through business cooperation with the Agency, to strengthen corporate restructuring roles, such as providing an opportunity for the company can recover It said it will continue to implement the government policy without a hitch. "



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Kangwon National Agricultural Cooperative "Happy Selling implementation of the national agricultural cooperatives"

[= Chuncheon, Korea financial newspaper reporter Lee, Dong - Kyu] 19 days announced that it has decided to concentrate on "Happy Farmers' cooperatives sold implemented" through Gangwon NACF economic projects active during the year.

Agricultural Economic Holding Gangwon Regional Headquarters last 17 days 100 people, sales implementation cooperatives happy the farmers go to open the farm income ₩ 50,000,000 times people "attending middle of such regional headquarters conference room in Tokyo Region Agricultural Economics managing director and counties Branch Director slogan in 2017 he held a rally promoting economic projects enabled.

The ceremony was to promote economic projects this year set a goal of 5.1% to 3.8 trillion won increase from last year, purchasing, selling agricultural and livestock products business 2.3 trillion won, agricultural materials, fuel, feed business 1.5 trillion won.

In addition, the agricultural banking business revitalization and force farmers to reduce farm materials such as silik promote regional headquarters operating costs through the purchase farmhouse Union decided to write.

Gimgeonyoung chief was saying: "field, and communications from farmers and farmers' income to achieve the national first, will have a sense of duty to do the best projects."

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[February 3 NOTES bank term deposits up to an annual interest rate of 1.9%

[Korea Jeongseon financial newspaper reporters - February 3 parking banks (excluding Savings Banks) Kwangju Bank fixed deposit rate of return goods showed the highest year to 1.90%.

19 days, according to the Financial Supervisory Service financial products integrate comparative disclosures site "at a glance Financial Instruments, Bonnie compare the bank fixed deposit interest rates recorded a return on average 1 ranking in Kwangju Bank deposits ssolssolhan My Cool 'is open 1.90%.

Second place Jeonbuk Bank 'JB direct deposit account (maturity messages meals) "1.80% this year and 3 above, Jeju Bank' Cyber ​​preferential term deposits (maturity payment type), this was an annual 1.75%.

4th Korea Development Bank was counted as' KDB Hi term deposits, including three products (1.70% a year), the fifth largest 'deposit in my hand,' Daegu Bank (1.66% a year).

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[February 3 NOTES bank time deposits up to an annual interest rate of 2.0%

[Korea Jeongseon financial newspaper reporters - February 3 parking banks (excluding Savings Banks) Kwangju Bank time deposits yield products showed the highest year to 2.00%.

19 days, according to the Financial Supervisory Service financial products integrate comparative disclosures site "at a glance Financial Instruments, bank time deposits (1 year maturity, isolated, cum earned) Bonnie compare the average interest Kwangju Bank ssolssolhan My Cool Savings' in this annual 2.00% hit the # 1 ranking on return.

Second place was in Kwangju Bank 'smart collected regularly Gold Dream' and Shinhan Bank, Shinhan Health Savings Plus' 1.70% this year.

No. 3 was recorded this year 1.65% two items such as 'savings in my hand,' Daegu Bank.

4th Fisheries Bank was counted as 'Sh savings I made' products, such as 4 (1.60% a year), the fifth Jeonbuk Bank "smart cross installment (1.55% a year).

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Camcorders, 1640 billion foreclosure property auction

[Korea before lower cervical financial newspaper reporter] The camcorder will auction the seized property scale 164 billion won.

CAMCO said that 19 days billion auction 1640, 667 cases of goods through three days onbideu 20 to 22 cases, including 60 residential buildings, including apartments, houses in the country.

Auction items commissioned by the auction items is the camcorder to collect the delinquent taxes, including the tax office public institutions and local governments. This auction has been included less than 70% of the appraised value goods or 362 cases.

Auction bidding should be aware of when rights for tenant is responsible for analyzing and lightness to the buyer, so be careful. Also keep in mind that the object can be canceled before the auction bid on the grounds of tax payment, delivery disabling, etc.



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KB Kookmin Bank, the US dollar ETF investment trust launch three kinds

[Korea Jeongseon financial newspaper reporters] KB Kookmin Bank launched exchange traded fund (ETF) three kinds of trust that can be invested in US dollar coming 20 days.

The trust products were composed of commodity species that occurs won / dollar exchange rate (weaker won) when revenues generated two kinds of products and the won / dollar exchange rate during revenues.

When the customer reaches the pre-set target return it can also take advantage of auto-redemption service that is automatically sold to the intraday real-time.

KB Kookmin Bank has been operating the ETF since the ETF Trust initial market introduction in 2006.

KB Kookmin Bank official said he said 'This has increased interest in investment dollars from last year' 'was expected to launch this product to the environment gotta investment market bigger in the future. "

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Camcorder, 20 billion sale of publicly owned real estate loans,

[Korea before lower cervical financial newspaper reporter] camcorder to a public sale of state-owned real estate and loans to scale 2 billion won.

CAMCO said that the sale and loans 19 days 20 to 22 over the three days two billion won scale, onbideu 44 cases of state-owned real estate.

The public bidding is a new thing 12 cases and first sale / were included cheap stuff than most reserve price 32 cases. More than 5% of the bid amount and then to participate in the bidding, and membership in onbideu sites enrolled a certificate in the specified virtual account If the deposit. Selected as the sale / loan rates more than expected, but the highest bidder is the successful bidder, if the highest bidder is selected there will be revenge through random lottery.



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"Disabled is reason ----" financial authorities, provided the first half of countermeasure

[Korea Jeongseon financial newspaper reporters] # Blind Mr. A visit behind the counter had a loan application to the Internet do not receive the loan was notified. When the loan process to proceed to the Internet I have not had a problem bank is aware of the fact that Mr. A had impaired loan that is not possible.

# Elementary school teacher Mr. B apply for group insurance with students learning experience before going to the insurer, but the insurance was rejected for being students with developmental disabilities.

Mr. deaf C # application, but a family card issued by the credit card company the grounds that the voice was impossible for identification cards issued by the refusal.

Impaired loans and insurance like the above example, the Financial Services Commission to improve the discrimination experienced by the card issuing process, it said that 19 days to announce a "comprehensive measures for improving access to finance for people with disabilities' in the first half of this year.

Finance Committee before the financial disability survey used the Task Force (TF) coming in March configure the unreasonable targets people with disabilities, and financial institutions decided to investigate practices and difficulties.

Financial situation, which is the last in April 2008 tried to solve the difficulties people with disabilities to use financial instruments to enforce the Disability Discrimination Act is still unreasonable discriminatory practices occurred in a number of areas such as credit card issuers, insurance.

In fact, if you received a disability insurance contract when responding to discrimination amounted to 45.4%, private health insurance is much lower than the subscription rate of people with disabilities (75.8%) to 42.5% of non-disabled.

Imjongryong Finance Chairman promote the survey for the last 17 days open disabilities organizations in Yeouido yirum center, in meetings of the finance related agencies officials' banking, insurance, investments, etc. All types of financial products, sales channels for each service satisfaction and practices such as discrimination plan said "pin Tech (fin-tech), etc. to encourage improvements nowhere to be minimal inconvenience to take advantage of new financial services nagagetda" he said.

The disability-related organizations attending the day meeting insurance limits and improve discriminatory practices and disabled dependents trust provisions of the Disabled amendment, the ARS authentication improvements, automation devices for wheelchairs Handicap (ATM) access to enhanced, including for the deaf monetary authorities He suggested on.

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Corporate banking, small business, small business 2 trillion won special funding

[Korea Jeongseon financial newspaper reporters] IBK Industrial Bank, it said 19 days and that the enforcement of the small business and low credit ratings SMEs each one trillion won 2 trillion won both by the size of the special support program in order to facilitate economic recovery.

"Small Business Special Support Program allows interest rates when lending to small business full-time workers less than the target of 10 cuts up to 1.0 percentage points.

Credit may also be useful for small business owners have exhausted all possible guarantee limit of guarantee institutions.

In addition, special support programs SME Finance blind spot 'growth potential is keuna credit rating is lowered to the difficulty of enforcement and funding targets SMEs with low credit ratings from 24 to 27.

Loan companies shall pay, instead of 1.0 percentage points from the Industrial Bank of bojeungryoyul that the guarantee institutions, and up to 1.0 percentage point reduction of lending rates.

Industrial Bank of Korea official said, "small business special support program credit is also possible to substantially support achieved could be 'saying' guarantee the issuance receiving medium and low credit rating of SMEs, even if necessary, additional credit to support it, he said.

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[February 4 weeks Savings Bank fixed deposit prime rate up to 2.34%

[Korea before lower cervical financial newspaper reporter] February 4 weeks Savings Bank fixed deposits up to the prime rate was 2.34%. But to look up to the prime rate is high, even if the condition is difficult Likely rowoomyeon its interest rates because you can not get up and look good.

19 days compared to the Financial Supervisory Service financial products integrated disclosure According to the "Financial Instruments at a glance ', the pre-tax items such as interest rate and the highest prime rate prime rate of the top 20 products are top 9 gaeyeotda. These items equity savings banks 'non-face-to-face time deposits (welfare), Sejong savings banks' non-face-to-face time deposits (welfare), JT savings banks 'e- term deposits (welfare), equity savings banks' non-face-to-face time deposits (isolation), mobilized the best savings banks' term deposits' (welfare), Anguk savings banks' term deposits' (welfare), JT savings banks' e- term deposits (welfare), Anguk savings banks' term deposits' (welfare ), it is the best mobilize savings banks 'term deposits' (welfare).

Best Deals prime rate is the highest equity savings banks were 'non-face-to-face time deposits (welfare). The pre-tax interest rate and the prime rate up to the same equity savings banks' non-face-to-face time deposits (welfare), there are no preferential interest rate conditions. It should be noted subscribe am a non-face-to-face products.

The next highest prime rate is 2.33% pre-tax interest rate of three kinds of savings banks' non-face-to-face time deposits (welfare) preferential interest rate conditions but also must subscribe to your smartphone.

Best mobilize savings banks 'term deposits' (welfare), Anguk savings banks was 2.32%, followed by 'fixed deposit' (welfare). Double savings banks' term deposits' (welfare), the true savings banks' term deposits' (welfare), JT savings banks' term deposits' (welfare), Oriental savings banks' term deposits' (welfare), IBK savings banks' true praiseworthy IBK savings bank fixed deposits (welfare) must meet in order to receive the same preferential conditions the highest prime rate and mobilize the best savings banks, savings banks Anguk.

Double Savings Bank pre-tax interest rate of 2.22% and 0.1% when Internet time deposits, time deposits Time deposits deposited upon maturity amount can be 0.1% preferred.

IBK bank savings products are non-face-to-face, internet, and 0.2% preferred annual subscription when more than 12 months in mobile banking. Pre-tax interest rate is 2.12%.

The next highest prime rate is as high as 2.31% were three kinds of savings banks' non-face-to-face time deposits (isolated) before tax were the same for both the prime rate and the highest jaul.

More products with interest rates, preferential interest rates and terms can be found on the homepage of each savings bank 'at a glance Financial Instruments Financial instruments Financial Supervisory Disclosure integrated comparison.



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[February 4 weeks time deposits Savings Bank prime rate up to 4.8%

[Korea before lower cervical financial newspaper reporter] February 4 weeks savings bank time deposits were the highest prime rate to 4.8%. If a non-face-to-face pre-determine the availability Up, branch locations can save time registering.

19 days FSS Financial Instruments integration compared to disclose according to the Financial Instruments at a glance 'and savings banks periodically gold high highest prime rate products of 153 can get interest rates up to 4.8% Equity Savings Bank "Giving Savings' there was.

"Savings gives generously 'Equity Savings Bank branches can be joined only. The Equity Savings Bank headquarters in Bundang Seohyun and there are four monoxide, resins, Bucheon, Pyeongchon point.

OK Savings Banks' OK VIP gold regularly, provides the prime rate up to 4.6% and was followed.

OK Savings Banks 'OK VIP gold regularly' is the product that can join the bancassurance customer subscription should sign up at the branch. OK Savings Bank headquarters are in Jung-gu, Seoul, Korea Chamber of Commerce and Industry. Point is added, Jongno, Seolleung, Jamsil, completion, etc. per minute and are evenly distributed in the metropolitan area, including Incheon in September.

The next highest prime rate is high at 4.5% the item was very savings banks' savings made with three thousand three hundred fifty-five. Sign up products with branches in the metropolitan area resident customers who want to join must visit one of the Seocho, munrae, feeding, water source, Samsung points.

Ceram high savings bank prime rate up to 3.2% in the fourth 'I design Savings' branches are also registering the product. Ceram Savings Bank, please visit the one place where one minute headquarters, two thousand two points.

Instead, savings banks' time deposits smart 'and savings banks must-three days' time deposits plus "to the highest prime rate of 3% was followed.

Instead, savings banks 'time deposits smart' do not have a smartphone subscribers only visit counter products. Instead, sign up after you download the app Savings Bank Smart Bank.

Must savings bank three days 'time deposits plus' is a product that can only sign up branches, and customers who want to join are required to visit a branch. It must have three days Savings Bank headquarters in Pohang, North Gyeongsang Province.

Smart Savings Bank prime rate up to 2.9% 'e- peaceful time deposits' and the' e- regularly Gold ', a double savings banks' time deposits', for savings banks' time deposits, provided this was followed.

Smart Savings Bank products are smartphone-only product, double the savings banks can join in all branches and smartphones. For savings banks can join in the branches or on the Internet.

The next product that provides a higher top prime rate is the highest prime rate was 2.85% in the East savings banks' time deposits. Eastern Savings Bank has two headquarters has offices in Euljiro, Apgujeong, shepherds, Samsung, Yeouido, Suyu Station to the area. Branches can sign up on the Internet.

Sign up products may be non-face-to-face weekends and public holidays must be careful because you can be difficult to join.

More products with preferential interest rate conditions are available on the "at a glance Financial Instruments Financial instruments Financial Supervisory Disclosure integrated comparison.



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Institute of Finance "should gradually strengthen credit assessment"

[South Korea's Choice Financial newspaper reporter] The government of household debt management policies to strengthen financial institutions in the credit assessment has gotta seomincheung difficult to experience it can gradually be promoted need to insist that came out.

Korea Institute of Finance, Senior Research Fellow, the city administration has 19 days strengthen the goddess examination in a report called "contrast the need for seomincheung financing difficulties likelihood of the reinforced while managing households' policy big impact on seomincheung by reducing other household loans in the short term this has to be gradually promoted to prevent "he said.

Chinese New Year is a Senior Research Fellow worried that "particularly including credit, other household loans, the demand is expected to increase sustainable economic slowdown, but mainly floating rate yeoseo the insolvency risk of rising interest rates relatively high.

Banknote was the proportion of household loans, adjustable rate loans at the end of September last year, is 62.4% of the mortgage loans. While in "Other household loans, including credit loans of floating rate loans are great as superior to 95.1%.

In the case of floating rate loans as interest rates riser is a situation where the burden is growing. According to the Bank of Korea recorded the highest level since January household savings bank lending rates (newly extended basis) is February (3.48%) 3.29% a year to 2015.

Senior Research Fellow, the city administration is watching and 'DSR (total debt repayment rate) loans, household debt management policy review and strengthening government utilizing the indicators need to pursue it lasts preparation for the loans insolvency possibility of an interest rate rise' seomincheung difficult for people to receive financial aid policy, it is necessary to strengthen the linkage as welfare, delinquency before and after the debt restructuring, rehabilitation program, "he suggested.

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Institute of Finance "must be united against expanding foreign exchange reserves."

[South Korea's Choice Financial newspaper reporter] was alleged that the need to free up enough reserves against the possibility of unification.

Bakhaesik Korea Institute of Finance, Senior Research Fellow 19 days 'reunification must be prepared for the possibility imminent during financial market instability "in the Report on the' reunification impending time in our country departure abroad of foreign investment funds en masse and cause the situation to be the financial markets largely unstable there can be "stressed he said Tuesday.

The report pointed out that greater economic uncertainty in the process of unification in progress on the basis of the German reunification in 1990 cases.

Bakhaesik Senior Research Fellow, the 'economic gap is about 38 North and South Korea up to the ship is more severe since more unified Germany and the expected long-term growth slowing' said 'to prevent and financial markets stabilize the foreign exchange shortages that can occur when reunification is imminent in advance foreign exchange reserves, it is necessary to ensure a sufficient level of foreign currency liquidity, including through a 'second line reserves, to plan, he said.

The economic gap between the North and South came relieve the opinion that to reduce the possibility of leaving foreign investment funds. The bakhaesin is Senior Research Fellow jipeot as "an important project to support the economic recovery of the previously unified Korea.

South Korea's foreign exchange reserves of the end of January, according to the Bank of Korea amounted to $ 374.04 billion. "The second line reserves' are like the Chiang Mai Initiative (CMIM) and the regional financial safety net bilateral currency swap.

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· KB Kookmin, Shinhan, Samsung Card and 3 other places FSS sanctioned illegal recruitment

[Korea before lower cervical financial newspaper reporters - five credit card companies such as Shinhan Card and Samsung Card, KB Kookmin Card is received financial authorities to sanction illegal recruiters recruiting card.

19 days, according to the Financial Supervisory Service (FSS), Shinhan Card, KB Kookmin Card, Samsung Card, a single card, our card, Lotte Card six belong card recruiters 225 people are illegal recruits, including paying the excess cash in the process of recruiting gotta caught sanctions She received.

Current loans Financial Business Act also forbids the recruitment of a credit card as a condition recruiters recruiting members or in connection with a credit card issued to provide economic benefits in excess of 10% of the annual fee as specified in, or provide credit card.

Illegal recruitment cases are caught KB Kookmin Card 6925 cases, 5473 cases Shinhan Card and Samsung Card 92 cases, 46 cases One Card, Lotte Card 23 cases, 12 cases we KB Kookmin Card cards are the most common cases.

KB Kookmin Card will carry a phone card loans targeted marketing, etc. Members 72 people have registered for telephone marketing opt-out was sanctioned.

If you are required to introduce the Act on Use and Protection of Credit Information "Article 37 provides credit According etc. The user personal credit information subject goods or services, or to stop the contact person for the purpose of solicitation to buy this should be followed immediately.

KB Kookmin Card and Shinhan Card had also appears to have accounted for the cost of entering the card recruitment activities to recruit and costs should be included in the business report, recruiters benefit payments, but missed it.

Shinhan Card is not 'card' recruitment costs, the inspection target period of December 1, 2010 to 10 June 2014 be among the other credit card recruiters scouting costs of recruiting allowances, expenses recruited 'by 16.2 billion won paid to recruiters It was incorrectly classified as operating expenses. KB Kookmin Card reported missing in the FSS does not list the month of June 2013 - a 10-year period 2014 Corporate Card Fees and recruiters recruiting organization's operations (promotions) work report costs' allowance payments recruiters.

Illegal recruitment of two credit card companies bill is still rampant cases of domestic card market becomes competitive recruitment iteoseoda.

According to the card industry 15 ~ 18 million won per line which was ₩ 200,000 recruiters allowance it is raised to the situation. Recruiting new members is difficult to secure a competitor jimyeonseo members are stealing the recruitment competition, while changes in import patterns chiyeolhaejin situation.



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[Weekly recommended stocks, Shinhan Investment Corp. - Samsung Electronics, KEPCO KPS · Seah Besteel

[Korea goyounghun financial newspaper reporter] ◇, KPS

- The first half of UAE nuclear recurring maintenance 1 trillion won (60 years a total of 6 times, 6 billion), since the '23 British overseas maintenance orders, including long-term expansion.

-2017 Year 1700 won per share (dividend payout ratio of 49.4%), dividend yield of 3.1%.

- This year sales forecast to 1.39 trillion won (+ 13.4% YoY), operating profit of 188.6 billion won (+ 78.4% YoY).

◇ Seah Besteel

Since February scrap prices expected to roll margin improvement.

-2017 Earnings based on historical low PBR of 0.52 times the additional price downside limited.

- Peers share prices is relatively small eumyeonseo yellow chip (yellow chip) emerged as attractive.

◇ SEMCO

- Securing new growth engines with dual cameras and a multilayer ceramic capacitor business expansion.

- Panel-level packaging (PLP) and car parking aid camera system for supplying propulsion.

- Cost reduction and deficit reduction division of the substrate serves as a positive factor in the efficient management performance also.



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[Weekly securities recommended stocks · KB] SFG, machete, Interflex

[Korea goyounghun financial newspaper reporter]

◇ SFG

- Expected fourth quarter earnings significantly above the market maintained, interest income and fee income increased trend

- Net interest income and increased loan loss provisions are expected downward stable outlook maintained the highest level of profit within the sector continued changchulryeok.

◇ machete

- Maintaining the trend in earnings through diversified customer base concentrated in the Hyundai-Kia.

- An essential component of the future autonomous cars ADAS sales increased rapidly, Autonomous expected to benefit days.

◇ Interflex

-1-Quarter earnings improvement is negligible, but 2017 earnings are expected to improve significantly.

Quarter increased from -2 authentic international customer base volume, competitors will be higher with a high share of new product launches.



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[Recommended weekly events · SK Securities] SK Seah Steel Construction and Materials · GS

[Korea goyounghun financial newspaper reporter]

◇ SK Materials (036 490)

- Business areas such as aggressive expansion through established M & A and JV.

- The expected increase in demand in the domestic line of OLED and flexible OLED and the large display manufacturers investing in China.

- Notice shareholder dividend and share buyback policies, such as zoom and so on.

◇ GS Construction (006 360)

- Expected passing orders trough

- We expect earnings to improve sharply in low volume which was completed abroad continued in the meantime.

- The estimated revenue expected to maintain the housing 5 trillion won by 2018 to a high pre-sale plan.

◇ Seah Steel (003 030)

- Likely contributed to the export prices hosiljeok according to the exchange rate.

- US crude oil wells (rig count) growth and infrastructure investment policy of playing is positive for the company's exports recover.



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[Weekly recommended stocks, securities instead] · SK Hynix, Korea Zinc Corporation samryung

[Korea goyounghun financial newspaper reporter]

◇ Korea Zinc

- 4Q11 earnings are expected to meet later to achieve maximum results in normalization of margins and favorable exchange rates, third quarter 2011 earnings.

- As of this year, additional guidance based on sales and operating profit to 4.8 trillion won (-4% YoY), respectively, 570.9 billion won (-17% yoy) as proposed.

- Guidance due to disappointing share price plunge presents a good buying opportunity as the current judgment, no need to shake.

◇ SK Hynix

-SK Wafers for the semiconductor company specializing in the production, LG Siltron acquired a 51% stake (wafer market share above 5) in cash of 6200 million.

- Wafer year expected price increase due to supply shortage, so expect improved performance also accelerate the LG Siltron accordingly.

-LG Siltron is considered beneficial to the expansion of SK Hynix increased affinity of the Chinese semiconductor companies.

◇ samryung Corporation

- Despite the recession ganpyeonsik home (HMR) Alone impact of that growth, the increase applied to one sphere and increasing women's social participation.

- JSR subsidiary Techno Pack is a container used to supply Cooked Rice, a cup of coffee every day inherit the CJ CJ.

- JSR Techno Pack of last year's sales and operating profit by 19% YoY and 65% YoY, respectively, the company is likely to be enough to get a premium as the main supplier of CJ CJ.





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[Weekly securities recommended stocks, oil hits] · S-Oil · POSCO, Dongbu

[Korea goyounghun financial newspaper reporter]

◇ POSCO

-2017, China's steel industry supply reform (reduced excess capacity) is expected to strengthen over the previous year.

- Cost burden of the main raw material prices that began in the second half of last year, is expected to be offset by product price increases in 2017.

-2017 In the steel sector (a separate, foreign subsidiaries) and the E & C sector is expected to be earnings improvement (POSCO E & C, etc.) stands out.

◇ S-Oil

-2016 To 2020, the region refined products forecasts, refining margins expanded from last year's $ 6 $ 8 2018 lines as demand increases.

-2017 In early expectations PX PX spread kkeutnamyeonseo expansion cycle in 2016 recovered to around 350% to 400% in 2018 and 2019 450% level.

-2018 Until the first half year will progress investment PP (polypropylene) · PO (propylene oxide). Annual sales of 2.6 trillion won, operating profit of 770.5 billion won, 509.8 billion won net profit expected added upon completion.

◇ Dongbu

- View the relatively strong demand for high-margin PMIC (power semiconductors) earnings growth traction.

- Transfer price can be determined in accordance with the main raw material prices despite tight global silicon wafer 8 inches Foundry (Foundry) supply.

- Interest expense largely mitigated by continued debt repayment.



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