Financial institutions 'Cotton bat' penalty brake ... Fine 2-3 times ↑

[Korea Selected financial newspaper reporters] penalties, fines for illegal financing of the company was criticized as 'fluffy bat' punishment average 2-5 fold rise.

Financial Services Commission said that 30 days is a financial holding Act, the Banking Act, Insurance Business Act, including 11 major amendments to the Financial Code sanctions reform passed through the National Assembly.

According to the amendment, a penalty imposed limit of 50 million won, etc. Currently the banks, insurance, securities firms are raised to a maximum of 1 billion.

Financial penalties imposed limits on employees climb on up to 10 million won to 20 million won. However, care has to planners, insurance agents, insurance brokers, consider the case of the small points that maintain the current level of fines (10 million won).

Specialized credit companies, fine limit of savings banks and credit information company is maintained at 5000 yuan.

Large lender decided to raise the savings banks and similar in size to consider that the fine imposed limit of 20 million won to 50 million won from existing.

Change system for calculating fines also profiteers restitution.

Deseo was calculated by multiplying the basic bugwayul the fines imposed on the current legal limit (violations X amount charged ratio), in the future the court imposed limit is three times the average primary Impression bugwayul is repealed.

Fines imposed limits on trading of major shareholders such as credit limits violations, securities acquired were collectively raised to 100% of the amount violations.

Another financial institution employees may violate the law as a personal financial holding deviant behavior was able to be made an administrative sanction.

11 Key Financial Code amendment is scheduled to be effective from and after the horrors of April, six months Horror law.

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Korea Stock Exchange last year, net profit of 57.3 billion won ... 27% decrease yoy

[Goyounghun financial newspaper reporter Korea] was 27% YoY to 57.3 billion won last year, the net profit of the Korea Exchange. Operating profit fell 21.2% to 46 billion won.

Exchange hold a shareholders' meeting in Seoul, building on the 30th and told reporters.



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Exchange, net profit fell despite the brokerage 23.3 billion, through a large dividend '

Showed [Korea goyounghun financial newspaper reporter] net profit of 57.3 billion won the Korea Stock Exchange, down 27 percent from a year ago as last year, the business environment deteriorated. Nevertheless, shareholders, securities firms, which are carried out through a large dividends, are we pleased.

Exchange was open for the 30th general meeting of shareholders held in Seoul, building fuse approved the agenda, such as financial statements.

Chairman of the General Meeting of Shareholders in exchange Jeong Chanwoo greeting "Last year was a year sent us a hard time capital markets due to poor economic conditions at home and abroad," said said, "I will expect that I shall nokrokji this year, but the situation paved the way for a new leap forward."

2016 net profit was 57.3 billion won exchange, operating profit declined 21.2% to 46 billion won. It is the biggest cause of reduced trading volume last year, while the stock market is to stay in the narrow range.

Exchange has decided for the allocation of 23.3 billion won, despite falling earnings and shareholders. Put in a net profit of 78.3 billion won in 2015. The dividend payout ratio and dividend exchange for 27.4 billion won seemed a dividend payout ratio of 35.0% is a whopping 40.7%. 1 is a high dividend corresponding to 1224 won per share.

The exchange equity KB Securities (6.42%), Meritz Investment Bank Securities (5.83%), NH Investment & Securities (5.45%), Hanwha Securities (5%) and Korea Securities Finance (4.1%), oil hits securities (3.46% ), one holds a share of 34 companies, including the securities and financial investments (3.29%), Daewoo, Mirae Asset (3.23%). Exchange shares are restricted shares are admitted haejugo regulations to less than 5%, but increased by the merger.

With this dividend KB Securities will receive a payment of 1.49 billion won in dividends. Followed Meritz Investment Bank Securities 1.35 billion won, NH Investment & Securities was crowned the salty dividend income of 1.27 billion won, 60 million won even 1100000000 Hanwha Securities. Per share in the exchange market it is known for around 14,000 won.



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Providing home, even if only the well-mortgage the house tech effects

Measures for household debt which is estimated at more than 1,300,000,000,000,002 has emerged as a political issue. Following to the US Federal Reserve will raise the benchmark interest rate, because balhyeotgi a long hike policy. If you raise the domestic interest rate, a situation that is expected to be aggravated difficulties of ordinary people.



Except for special cases, gathered when pretty cheap the loan mortgage loan interest rate of which is sold on the market at home provided the that most of reality is impossible without a mortgage turned against what you just need to know about mortgages I saw.



All great things are required for planning. Like mortgage must have imeneun big day will occupy a large share of household spending. Can you think why less is easy to pay a few years, as many as sipsunyeon loan interest?

To buy a home or to raise funds primarily to put plans in advance if you need a funding decision for mortgage loans is beneficial. Of course, you can predict in advance who apil eopgetjiman know how to use a home equity loan will be given in the future to consider including their income level and environment good to try predict.

But if you are unsure if the plane simply a shorter repayment plan in accordance with the loan repayment period for variable rate long-term repayment plan that is good haedu mind a fixed rate as a priority. If you are planning a short period of time also to be repaid within a certain amount of good to find out even waived fees as a percentage of the prepayment.



Most people will dudeulgil the door to the first film Main Bank when they need a bank loan or a salary passbook savings account for basic use and share thoughts as Main Bank. But actually there are a number if you receive a life more affordable interest rates from banks no deal not once, not when you receive the Main Bank mortgage loans. Finally, it is advantageous to compare with their own terms and loan types, such as the palmyeo balpum. Mortgage should look for the cheapest rate, not the brand of the bank.

Mortgage interest rates will vary depending on the interest rate applicable under the form, you can get a discount preferential interest rate conditions of his choice. Like a little child matchudeut puzzles to find pieces of the same shape of mortgage loans also have to find the shape of the product to fit my criteria.

For example, around two friends to have received a loan from Bank A to the low interest rates that they may not get a loan with interest rates as at that point. Let you decide to get a mortgage, contact your bank, not an acquaintance or a non-expert or to consult an expert.



If you want to ride a few years ago who transfer to lower interest rates compared with the interest rates for loans that are sold in the market today will not be every time to get a loan consultation of several banks. The interest rate that can be used as an index when it is a three Bogeumjari of the Housing Finance Corporation. Mortgage loans of commercial banks has also changed and interrupted and sales and other new products come out. Then I suitable for complaining Bogeumjari the interest of the Housing Finance Corporation to market indicators. If you do not see every time the interest rate on bank loans sometimes go to the Housing Finance Corporation homepage Oko grasp the flow of market interest rates.

In addition, loans may also be due to the loan reducing the burden on households due to pay the amount of 10 to 15% is suitable and should raise interest rates and falling home prices does not exceed the maximum of 20% of monthly income to monthly, etc.



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Hyundai Motor Group, held 30 public hearings related to one GBC

Hyundai Motor Group will hold 30 days and coming Gangnam residents 'Hyundai Motor Special Planning Area Land complex facilities (hereinafter GBC)' construction project environmental impact assessment draft, public hearings [hyomun financial newspaper reporters standing in Korea.

If more than 30 residents held a public hearing to submit comments will be held in accordance with the relevant laws and regulations need to hold public hearings.

Submitted major opinion ▲ environmental impact assessment draft supplementary and front reconsideration is necessary that the opinions (111 cases) comments that need an alternative and improved methods proposed in accordance with the reduction of ▲ nokryang (16 cases) ▲ noise, dust, vibration and air pollution the problems related opinions (seven) ▲ transportation issues comments (two) and so on.

Hyundai Motor Group was originally planned to hold a hearing, even for the high interest of many local residents also submitted a draft environmental impact assessment report comments relevant hearings held in public unmet need is the number of people listening to the opinions of local residents to reflect on this assessment.

Sinyeonhui Gangnam Commissioner as you are 'GBC developed cooperate proceeding administrative procedures for the early construction sphere by developing the world's best represents the representatives, the Republic of Korea Gangnam revive the national economy, Seoul is also a building permit to be construction in the first half of the year We must do your best: he said.



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