P2P implementation guidelines according to the original bill from 27 days

[Korea before lower cervical financial newspaper reporter] P2P guidelines containing the personal information limits investments limit investors invested 10 million won is conducted according to the original bill from 27 days.

Finance officials said that 26 days after the consultation process, including experts from the notice last July, P2P companies, including operational, administrative map of T / F to confirm your participation P2P content and guidelines effective from 27th.

27 days based on the existing operators have completed the registration requirements for companies that require redevelopment projects such as building computer systems gotta have three months probation subject to applicable guidelines applicable from May 29th.

P2P guidelines laid down requirements that financial institutions have to determine when operating in conjunction with P2P companies, including savings banks, loan companies and banks.

Set the annual investment limit per one P2P companies for the protection of investors.

General retail investors shall not exceed a cumulative amount of 10 million won a year. Interest and dividend income is income eligible individual investors exceeded 20 million won or business and earned income exceeds 100 million won is possible to invest up to 40 million won per year.

Corporate investors and professional investors, capital market law, there is no separate limit investment.

P2P companies and the investment funds received from investors and companies have managed to separate assets. Banks, mutual savings banks, saying that the investors in the trust estate agent in such reputable institutions must deposit or trust.

P2P companies and finance companies, etc. linked to the act of participating borrowers, investors or P2P lending is limited. For example, the act of establishing direct P2P companies to raise funds for construction of own buildings is prohibited.

Act stating that the investment that misleading advertising when in possession to ensure the 'principal guaranteed', 'fixed income' investors such as investment funds which are the contents is prohibited.

The Home Page has investors including investment risk, borrower information, the estimated revenue must show a variety of information that can be easily understood.



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Yugwangyeol "longevity longer period is mandatory personal pension bill, not a blessing."

[Korea goyounghun financial newspaper reporter] yugwangyeol FSC Securities and Futures Commission Standing Committee source said: "Private pension legislation is required in difficult times longer say that the blessings of longevity."

Yugwangyeol jeungseonwi won the "need to create a long life as a blessing rather than risk" individuals in the Act enactment hearings held in Yeouido, Korea Financial Investment Association 24 days he told reporters.

Yu Commissioner period leading up to the super-aged society "Last Korea entered the year an aging society 2000, has 2026 over 65 population is 20% or more seconds will become an aged society," he said "aging society is about 70-year developed on the other hand, a mere 26 years, Korea explained that most rapidly "in the world.

In addition to the elderly poverty rate is four times the level of the OECD average of 11.6% to 48.5%.

He said, "I gotta concentrated in about 70% of Korea's national assets are real estate, there is a limit to the livelihood funding needed for retirement," he said "should establish a pension, superannuation, three-story old age security system of personal pension for them." I had mentioned.

After Korea's pension system is still not mature citizens can not receive retirement pension is the sum of the actual circumstances short of OECD recommended level of 70% to 80% a mere half of the pre-retirement income. The government will increase the rate of return on pension risk and diversify investments in order to distribute.

Meanwhile, the unitary governing system has been continued for a variety of annuity products, each governed by a batdeon banks, insurance, financial investment, eopgwon by law. The private pension law, the enactment was given the financial strength, expertise, etc. to register as a pension provider for financial institutions with certain requirements and obligations faithfully for stable management of pension assets and obligations, such as attention-ray tube.

Also provide a "personal pension account" to citizens efficiently manage a variety of private pension assets, and also introduced "one imhyeong investment annuities.

Yu Commissioner "can then strengthen the protection of pension subscribed to annuities give a constant meditation period, withdraw from the contract without the period Penalty" and "schedule seizure of pension assets to the pension guarantee of retirement part was limited, "he said.

Finally He said, "If the law is enacted citizens pension, pension savings, put a variety of products, including pension insurance in one account rate of return, you will be able to compare and managed such fees," said "freedom pensions of other financial companies it was considered a transfer to the product will be able to continue to raise the rate of return. "



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