車 insurance market competition ... Hyundai discounts to riders zoom backfire

[Korea gimmingyeong financial newspaper reporter] decided after AXA Direct, Meritz Fire & Marine Insurance car is subsequently cut to the end of last year, Samsung fire. 'Zero sum game' aimed at the appearance of the car insurance market share. While expanding the range of Rider Discount Modern resolution said the group would stand fully prepared to profitability earlier this year, the center went on to attract customers.

Hyundai said coming April 1, sells "Rider mileage (mileage discounts on car insurance works)" responsible for applying the discount auto insurance industry's highest level since the start gyeyakgeon two days.

The rider's mileage mileage discounts on merchandise that the customer insurance premiums in accordance with the mileage of the car less the greater the premium discounts.

Hyundai is that if annual mileage is less than 3000km has expanded the discount to save 22% from the existing industry-leading 32% per 5,000km mileage is less than 27% and less than 1 km is 10 000 will apply a 20% discount He said.

In addition to the newly established driving distance of 1 10 000 5000km intervals we were not traditionally are expected to apply a discount rate of 6%.

Hyundai officials said that "unhaengryang was extended to customers with low mileage rider is good to save the maximum level of the industry loss ratio" and "plan continues to develop insurance products that can give substantial benefits to our customers in the future."

On the other hand Samsung have shuffled the only premium cuts from last year, the industry recorded a fire last month in an online auto insurance market share of 30.96%. In the form of reduced premiums based chogangsu that cuts to raise the market share, market share this year, some life insurers have joined the struggle with cuts procession is expected to become more intense.



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AIA Group Limited, childhood cancer patient support kit delivered to 623 people

[Korea gimmingyeong financial newspaper reporter - AIA delivered a message of life to fighting pediatric cancer patients with non cheer the kwaeyu with toys celebrated 30th anniversary.

AIA Group Limited is listed enclose a card written by the staff cheering messages with latest Lego toys, etc. in Korea leukemia, childhood cancer association, was created to provide support kit. The ceremony opened 28 days Strategic Marketing Director Peter Chung AIA Group Limited and cheonjinuk Association of Korea childhood cancer leukemia Secretary-General, was attended by children undergoing treatment for the support of AIA Group Limited.

AIA Group Limited employees 30 would have paved the direct support kits for delivery to pediatric cancer patients and create hope the message. Korea Association of pediatric leukemia is expected to support kit containing valuable qualitative employees of AIA Group Limited through the "Healing School to go to the hospital" and "health care teachers' children delivered to pediatric cancer 623 people across the country.

Peter Chung Head of the "children suffering from childhood cancer are often weakened immune hours alone in the room," said, "was to deliver the support kit that includes Lego and cheer cards in the sense that over these friends and wish kwaeyu," he said.

Cheonjinuk the Secretary-General said, "We look forward to continued interest in AIA Group Limited is for those children with pediatric cancer treatment and support also need emotional support for children's willingness to support treatment, said" We childhood cancer child. "



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Handsome, SK Networks signed a final agreement to acquire 300 billion won in the fashion sector

[Korea gimeunji financial newspaper reporter Hyundai Department Store Group based fashion firm Handsome finalize the acquisition of the fashion division of SK Networks jobs and sets out a full-scale operation.

Handsome has signed a final purchase agreement for the entire April 28, SK Networks said fashion business day. The final acquisition price is 3000 billion. Handsome signed a sales agreement is also positive for the full year, SK Networks fashion division, after recently conducted a due diligence process to.

Handsome said, "it has signed a contract with SK Networks fashion sector imported brands The sales positive also in the contract process" and "especially transitions contract period long-term and secured improve royalty payment terms for business stability and profitability," he said.

Handsome The final acquisition agreement entered into by its subsidiary, Handsome global and SK Networks Fashion businesses held by imported brands Tommy Hilfiger · DKNY · CK · Club Monaco, throwing away how, American Eagle, the domestic brands objects, Oz Second through modern Jian F. corporation Second floor Lounge · · · Luz and were 12 such SJYP · operate the yoni Steve J & P.

Handsome as SK Networks has acquired fashion sector finalizing plans to get into a full-fledged brand rebuilding 'work.

First, objects, launches Oz Second, Second floor, including redevelopment of the SK Networks brand of women's fashion sector. · SJSJ systems such as Lee Myung-jin casual business manager in charge of women's casual brand (Managing Director) and Handsome global womenswear responsible for it was appointed as creative director (CD). The part to re-establish the brand identity and strengthen the sangpumryeok.

By another for more than 10 years, SK Networks recruited led jojunhaeng representative of the fashion business, Tommy Hilfiger · DKNY · CK, such as secured her popularity and diversify the distribution channels of imported brand, expand product lines differentiated value by brands the initiative reassuring customers.

In addition, Hyundai Department Store Group is planning to invest over the next five years, SK Networks MD competitiveness and infrastructure, including 200 billion won over the fashion business in the fashion sector to raise the fashion industry as a key growth driver for the group.

Hyundai Department Store Group official said, "The SK Networks to enhance its competitiveness through its own fashion brand large investments over a long period of time based on the fashion business-related resources and capabilities of the group, also it plans to maximize synergies and Handsome fashion business."

The proceeds of Handsome Handsome subsidiary of the global and modern Jian F. promotions targeted at the fashion division of SK Networks SK Networks 12 Fashion up to 5 days before coming to celebrate the brand acquired two brands. 10% discount to customers who purchase the product in 12 brand stores during the promotion period, they provide 10% additional mileage.

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Watsons, the first this year Routine Sale ... Up to 50% discount

And the [South Korea gimeunji financial newspaper reporter] GS Retail Health & Beauty Watsons store specializing in progress up to half off the first event in the year to come.

The first one to be held in two months Watsons stores nationwide and online shopping discounts up to 7 days from the event is scheduled three days for the large-scale, such as spring seasonal skincare products representative brand of skin care Masks, color makeup and fragrance brand engagement.

The sale period for the best-selling "Dr. Brightening not line up, '' Mamonde rose water ',' bio-oil ',' nine months moisture barrier gel cream, a showcase project of 1 + 1 set.

In addition, eodik Painted Pink Edition Shadow Palette ', sells a variety of discounted makeup products such as' Clio Nudism water cushion grip.

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Able C & C Misha, up to 50% discounts on 'Spring Season Sale "

Missha brand of [South Korea gimeunji financial newspaper reporter] Able C & C should rush in Seir spring season. Able C & C said that one days conducted in the spring seasonal sale selling products of Mischa up to 50% discount.

In five days from the day of the sale proceeds that day, 1,400 kinds of products are sold at up to 50% discount.

The Style Lucid Nail Polish First, no real style Gel Nail, Nail Polish Gela tick four days before such products are 50% off. Misha modern shadow Some items, such as shadow and signature triple Lips, Lips, some products were also prepared at half the price.

Good mask sheet pack and seasonal skin care products are also sold at half the price. Pure Source Sheet Mask cell, hub, naked sheet mask, oil fits masks and Pure Source Sheet Mask Packs are pocket packs were included.

3-month and three purple ample popular base makeup de Liege selling next-generation original tension being released in the fact becomes cheaper by 30%. Leaving the prism shadow a la carte is also a popular discount of 30%.

Promotional gift in commemoration of new product launches are also in progress at the same time. Misha can get a set consisting of four kinds of miniature city fluids, emulsions, essences, creams, etc. buy a flowing mass whitening whitening series launched in herbal products.

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After the loan industry, and independent activists to help bereaved

[Korea before lower cervical financial newspaper reporter] loan industry sets out to help the bereaved independence movement.

Korea Loan Finance Association Sanwa loans, tightening credit loans, eyiwon loan capital, direct credit loans, Welcome Credit Line Loans, including 12 members with the last 27 Independence veterans and their survivors' organization, has donated 30 million won 28 days' gwangbokhoe ' He said.

Donations plans to pay grants to 100 people living in low-income veterans survivor's independence in the selection of national chapters.

Chairman Lim seungbo is "devotion to the motherland like to thank the independence of linear thermal, and I hope this handy little better, even the life of those bereaved," he said.



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Gimjaecheon ball jugeum President "pre-emptive offer services to meet the demand."

[Korea financial newspaper sinyuncheol News] gimjaecheon Housing Finance Corporation (HF) president, has founded 13 anniversary ceremony at the headquarters 28 days Busan munhyeon financial Busan International Financial Center (BIFC) "construction is the future role the construction according to housing finance demand to determine whether to charge a timely manner to provide the House financial services preemptively nagagetda, "he said.

President Kim has a "housing finance specialized public and organizations as a must fulfill the housing finance policy based on the government to understand the expertise and markets," he said "Employees all sense of purpose at the same time samneun the public interest a priority in the work areas they are in charge Let's try to be the best experts, "he said.

Meanwhile, the Corporation has delivered scholarships to underprivileged areas of Busan, high school students to focus on the right academic students difficult economic anniversary.



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LF half-club, open 17 anniversary of up to 89% 'previews' discount

[Korea gimeunji financial newspaper reporter] celebrates 17th anniversary open six days a mall half the club's LF series online store operators try sickle coming. Five days ahead of them to open the exhibition's preview discounts up to 89% discounts on popular brands of clothing and goods to.

Scarves and dresses, T-shirts Day of sseoseu flagship product is sold in Ireland since ₩ 14,800, and ganjeolgi Item 30 species of millet and M. limit is available for purchase from ₩ 24,650. Morris is coming home in one piece ₩ 29,800, leggings and sweatpants, t-shirts One on one can buy from Adidas ₩ 39,000.

During the event can be purchased inexpensively department store brand products. Premium Benetton and Sisley Young Casual each up to 50-60%, womenswear brand Sha Tin, Lynn, BC busy (BCBG), Max Cartier belt Geo ganjeolgi knitwear and dresses, jackets, etc., three days up to 80%. Wonder Bra underwear brand, the other crew, men's underwear is called swiban also available at a discount.

Specials of the popular footwear brand also vary gotta be ready. Geumgang in the Women's Leather Mary Jane three kinds are ₩ 79,900 fizz men sneakers ₩ 72,980, elkanto leather pumps is 10 006 4900 won Comfort Sol Boat shoes mook can live to ₩ 69,000. Sell ​​high taxes, misope, Elizabeth, Sarah also women's shoes such as pumps and special.

In addition to Indian Spring jackets and shirts, knitted, suits, etc. 85% of the men best discounts and spring outdoor products up to 65% of men and women windscreen of Lafuma, T-shirts, etc. functional clothing and hiking boots, such as the winter season off items was 82% It can be purchased inexpensively.

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車 boom expected, due to the rear parts business

[Hyomun financial newspaper reporters standing in Korea] is interpreted to be due to the role of the rear of the automobile industry, such as parts rather than raising the prospect achieve the auto industry boom in the domestic market this year. This resulted in the second half of last year, automakers are expected, but from domestic demand, lean high-growth part of the industry would lead to a boom in the industry.

FKI ◇ "the auto industry, strong domestic demand expected this year."

Federation of Korean Industries (FKI below) According announced on the 28th, March corporate economic trends survey, the automotive industry was expected to make a strong year in the domestic market. The survey identified that the business confidence aimed at industry professionals write down the cars passing the reference point 116.2, 100, and is expected to boom.

Hongseongil FKI Finance Finance said, "CBU other automotive parts, such as before and after the analysis of the defense industries, workers are predicted to achieve automotive industry is booming this year in the domestic market," he said "The investigation into that represents the business confidence and but to achieve the gap, it can be seen that the high expectations of the workers, "he said.

On the other hand, export environment has deteriorated while strengthening analysis dwaetdago attention protectionism in the United States, China and Europe. FKI addition to deteriorating export environment also cited that exchange rates showed a declining factor in falling export competitiveness of domestic industries.

FKI official said, "was recorded last year, the global economic downturn and sluggish domestic demand as exports and imports both fell recession-type surplus" and "Donald Trump United States was the president rises also won, including mentioned as currency manipulator for some countries." he explained.

◇ sluggish last year, automakers such as Hyundai, Kia, car parts, tires thanks

Based on this year's auto industry boom due to the strong performance of automobile parts, tires and other car it is revealed at last year's earnings. Automakers such as Hyundai, Kia, while their outstanding earnings decline from the second half of last year, Hyundai Mobis, Mando car parts, such as Korea, Nexen Tire industry shows such as high operating margin.

First Hyundai Motor showed a slump last year, with an operating margin of 5.5% and 4.7%. In particular, Hyundai recorded an operating profit of 5.1935 trillion won, showed a record low level. Sales of 93.649 trillion won in net profits was recorded 5.7197 trillion won.

Conversely, Hyundai Mobis, Mando was the highest year-on-year performance. MOBIS 38 was 261.7 billion won recorded a sales growth of 6.2% over the previous year (36.0197 trillion won), the machete was surging 14.8% compared to the previous year (265.6 billion won) showed an operating profit of 305.1 billion won.

Nexen Tire and South Korea also showed continued growth. Thai Korea has increased 24.7% over the previous year showed an operating profit of last year's 1.1038 trillion won (885 billion won). Sales of 6.6261 trillion won, and operating profit margin came in at 16.7%.

Nexen Tire was the appearance in the last five nyeonsae soared 40.2% after 2012 (1769 million) represented an operating profit of 248.1 billion won last year. As a result of sales volume growth and cost reduction efforts described Nexen side.



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A special counsel, SK · Lotte · CJ Group yicheop investigation to prosecutors

He said the [financial newspaper gimeunji Korea News] Park, Young - Soo will be special inspection team to take over a large investigation 28 days, the last day the investigation to the prosecution. A special counsel collectively arrested five members, including the leadership of Samsung and Samsung Electronics Vice Chairman Lee Jae-yong, but the investigation is concluded SK and Lotte, CJ Group cheohaetda a situation that can not be relieved in the end of the independent counsel.

With 28 days choesunsil Gate Park Geun-hye, the independent counsel investigation related to an official investigation exit towards the other Samsung companies SK and Lotte, CJ groups was given prosecution followed the baton. If you determine that additional investigation is required in the total number of large travel ban, such as SK Group Chairman Chey Tae-won, Lotte Group chairman Shin, Dong - Bin will likely not be released.

SP spokesman yigyucheol teukgeombo gotta related to the alleged "money and goods donated because of the part of Samsung relevant section problem, first suspicions I know that there was a Samsung investigations" and "Samsung related to the most critical national nongdan this teukgeombeop in brief 28 days, and , gotta take a significant portion of time in other investigations related to enterprise investigation did not substantially proceed, "said the position. Also he added, "When I saw the Samsung kept the investigation results may also predicted another large investigation results."

A special counsel is the plan did not loosen until the deadline passes on the departure of the group total ban expires investigation to prosecutors investigating the takeover of enterprises today, all events that have been shut down, including a large investigation to prosecutors three days next month. Prosecutors are investigating the possibility of large reason cited is that the independent counsel had applied Mir · K Sports Foundation contributions of bribery crime punishment law and certain economic embezzlement charges against Samsung's 20.4 billion.

A special counsel is the day prior arrest warrant was indicted gotta detention remaining four people, except for the Vice-President is being detained issued baksangjin Cooperation president, Choi Gee-sung Future Strategy Department mounted (Vice President), jangchunggi Future Strategy Department deputy (president), hwangseongsu Cooperation Managing Director, etc. I raised this name. A special counsel is applied the common law violations charges of bribery to those with specific economic crime punishment law, embezzlement, fled overseas property, proceeds of crime concealment.

This has been interpreted to mean that the same logic can be applied to other large enterprises. A special counsel has calculated the K · Sports Mir Foundation contributions of Samsung bribes amount to a third party. Samsung's Choi said the real-owned Mir · K Sports Foundation have appeared to a 20.4 billion the maximum amount of the leading companies, the special counsel is holding it is difficult to observe avoid another appearance now also be prosecutors death as much as considered as a bribe head is.

By Mir, who now appeared on K Sports Foundation, a total of 53 scale where contributions amounts to 77.4 billion won. The amount appeared in MLR · K Sports Foundation, Samsung has followed most often, followed by 20.4 billion Hyundai's 12.8 billion won, SK 111 billion, LG 78 billion POSCO 4.9 billion, Lotte 4.5 billion, GS 42 billion, Hanwha 2.5 billion, KT 18 billion, LS 16 billion, CJ 13 billion, Doosan 1.1 billion, 1 billion Hanjin and Kumho Asiana 700 million won, Daelim 600 000 000, 500 000 000 New World, and Amore Pacific net 300 000 000, 300 000 000 Irene.

Contributions and related CJ and SK Chairman Chey Tae-won, respectively, involving the amnesty of President Lee Jae-hyun proceeds of doubt, Lotte has fashioned a budget debate such as the World Tower Duty resurrection. In addition, POSCO suspected that one side is involved in various Choi and two personnel officials also reportedly on the lookout for trends in the prosecution.

The prosecution applied to add the charges of the indictment charges Mr. constrained to bribery and concealing proceeds of crime, such as reinsurance mediation choesunsil misconduct in the investigation phase. Also, "I saw that the two men conspired relationship recognized" the special counsel bribery part of the night, Mr. Choi was president, saying the accused be booked together as he said.

A special counsel is planning to pass on the charges after prosecutors accused is expected to respond to President Park along after prosecutors and judges whether the President Park rhetoric accordingly.

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Jeungseonwi, disclosure violations up to 2 billion won fines imposed on the Daewoo Mirae

[Korea goyounghun financial newspaper reporter] Financial Services Commission under the Securities and Futures Commission decides on the agenda to impose fines 2 billion won in Daewoo Mirae Asset disclosure violations caught by conspired to asset-backed securities that were sold 28 days (ABS) products like private equity.

Jeungseonwi according to the original bill passed the jejaean of the last 20 days deliberation in the capital market research Committee fines two billion won. Daewoo Mirae Asset has sold 72 Vietnam landmark building related to the ABS 500 last year.

But that was controversial things tricky taken a de facto private format in a way that makes the sale of 15 special purpose corporation (SPC). Proceed with a private placement funding scheme without submitting a notification obligations of the public offering of securities products that the product was sold ruins.

The penalty is two billion won to its current maximum amount for the securities regulatory notice Not submitted. Sanctions for Daewoo, Mirae Asset is expected to be finalized at the regular meeting of the Finance Committee next month, 8 days.



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O2O stand up to augmented reality ... Platform expansion card companies

[Korea before lower cervical financial newspaper reporter] went on to hold membership card companies have expanded outer 'non-face-to-face platform. In O2O simple life insurance services, and further appearances by car finance non-face-to-face that the wider range of services. And launch the app to take coupons as augmented reality game based on Pokemon and sensational that is popular in order to prevent customer churn.

Payment is easy to use growing trend. According to Shinhan Card, Shinhan Card in the amount of payments in the last year of its payment app FAN is 5.6 trillion won, 7.3 million people are members. KB Kookmin Card Payment App gotta 'K- motion, join members of the end of December last year, 5.78 million people and was used in recording the amount of 4.267 trillion won a year 2016.

Beyond the 'first generation' approach was simple pursuit of existing payment card companies have been in non-face-to-face is the only platform to evolve into a form that brings together a wide range of services.

Using a variety of non-face-to-face services and platforms is a strategy that (Lock'in) to derive its customer lock-in card payments.

◇ reorganization for non-face-to-face expanded and cultural innovation

For non-face-to-face credit card companies are promoting digitization carried out a reorganization. Flexible thinking is dramatically remind idea naondaneun services.

Shinhan Card has announced a 'start-up type tissue culture innovations. Deputy manager, such as grade-oriented corporate title is simplified to "Manager (Manager) 'and' Pro (Pro) 'instead of disappearing. Shinhan Card is called "future Shinhan Card DT (Digital Tranformation) sector is to be reorganized into a digital standalone company in-house rather than a simple division will be transformed into a national and international ICT companies with the same organizational culture, start-up type organization with the working environment." He said.

KB Kookmin Card has rebuilt the organization's incorporation of digital business units related to digital headquarters group. In this regard it had to change the existing pin-tech businesses in the digital business. Establish a company-wide digital strategy and marketing plans, as well as promote the digitization process of systematically and effectively.

I've created a dedicated team within the Digital Marketing platform services for competitive advantage. Customer-friendly default for new digital channels, digital channels implemented by non-face-to-face oversees the recruitment, including through the channel.

◇ platform upgrades, augmented reality service launched

Credit card companies are basing app service that benefits beyond a simple card.

One card naenwatda the 'one 1Q pay' (hereinafter '1Q page') to see all the easy payment and point queries, transactions. '1Q page' is a simple existing mobile payment app 'Moby and pay with one card using the app alerts "box Moby' one card integration platform to integrate new releases.

1Q page 'get another' is a 'lottery' of one card. If the application provides a single number, like lotto money to the winners from such as 15 and so on. 1Q page Alliance members' 1Q PASS 'invitation is only for the necessary O2O services to customers based on big data, and can be easily payment by .'1Q PASS' In the 11th arrondissement, Wemakeprice (shopping), parking Night and service-oriented Everyday tips such as (Parking). There is also introducing a service that combines game principles and benefits. The '1Q page "can be used" one money GO' services. "One Money GO 'service is a service using the principle of augmented reality to get the benefits of real-time financial services and other affiliates of Bank KEB one person in the vicinity.

One card was equipped with a coupon service that returns money to the card issuance Annual fee for this service up to 3 million. Hyundai Card has introduced the 'Hyundai Card Joker (JOKER)' using augmented reality principle. Hyundai Card is a joker app to catch Pokemon and coupons related to merchant like.

KB Kookmin Card has expanded the offline uses. Last year signed a strategic alliance with Samsung Electronics launched the "App touch card payment" service apply the magnetic secure transmission (magnetic Secure Transmission, MST) technology, the industry's first app pages Samsung Card in September last year.

◇ car sales channel from personal consumption analysis

O2O services to the credit card companies have started introducing a range of platform services.

Shinhan Card has developed the 'FAN Pei bots' that analyzes the customer's personalized consumption. It seems that regardless of the product's sales page edition bots can be expanded as a marketing channel is the entry Shinhan Card.

Shinhan Card official said, "We expect this guidance to induce customers of a reasonable consumer consumption analysis reports on various aspects of big data is combined, as well as a comprehensive diagnosis of the overall consumption through FAN Pei bots, Shinhan Card has held" She told CNN that "the best products, services and sustainability will continue to develop into sophisticated marketing channel that featured merchants".

In addition to this, Shinhan Card has opened a used car marketing platform Shinhan Card tucha car. "Shinhan Card tucha car 'is a conjunction used cars online and offline (O2O) that runs a direct service. Shinhan Card's strengths through a variety of affiliate link is also provided haneunge features additional benefits.

Samsung Card has introduced a 'direct auto' auto financing platform last year. Several steps when buying a car without introducing financial instruments Options Compare Prices per vehicle, used car finance can limit the query, the query quote Vehicle various financial products and services for automotive customers selected at a time. Samsung Card is pursuing sell direct insurance.

O2O service franchise also continues to expand. Our card has been operating within the zone O2O smart app. When you log in to our app, select the smart card from the service O2O zone it is possible to immediately pay with our card. Discount coupons during checkout and may receive additional points, value-added services.

Our cards are expected to be effective in promoting and increasing sales of the promising startups that partner. Our cards are nagagetda strategy is to develop it as a win-win business model.

Lotte Card has been operating a distribution subsidiary benefit rich 'quick order' O2O platform. T map lives O2O variety of comforts such as taxi services, as well as the advantages it offered Lotte Duty Free Shop and the Internet dot-com, Interpark Tour, including Korea Bence additional benefits when using affiliate iPhone Apps in quick order. This year is a convenient service features available with no additional subscription and login using quick order service in conjunction with Lotte Members will also provided.



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Lotte today, the Council seems to determine the final offer document Saad grounds

[Korea gimeunji financial newspaper reporter] Lotte Group today (27) afternoon to open the Council is expected to confirm a plan that provides a golf course in North Gyeongsang Seongju altitude missile defense system (Prasad · THAAD) site. If the final agreement, the contract immediately or no later than 28 days after the Department of Defense and the land exchange is in fact the Board of Directors Saad land issue is concluded.

Lotte and the Pentagon agreed to swap land owned by the group in Namyangju, Gyeonggi Golf and Lotte lord November. But the opposite Lotte China is pressuring Saad placed on the peninsula, and has fashioned a setback to the land exchange.

Open the past three days Lotte Trading is held by the Board of Directors have reviewed the validity of the transaction lord Golf changing the lord golf course and Australasia had gunyongji is the conclusion.

Lotte side to consider, such as pre-coordination with Ministry of Defence and relations with China, both the Board of Directors For more information, including schedule and under to keep private. Lotte, Lotte or unknown side of the board can make any decisions that turn "as the request is related to national security, we will cooperate as much as possible as a Korea company" has been revealed to the position. Since the internal Lotte becoming jeomchyeo be collected to provide feedback to the lord Golf Saad placement site.

But even naeryeoteum conclusions Lotte internally economic retaliation threats posed by China's Saad place will inevitably be annoying.

The last 21 days to see a ring on the Korean Peninsula, China's state media Kushiro Saad placement decisions, "If you can not change the Lotte position to leave China," he warned, "will deteriorate more and more business outlook, including duty-free imports of Lotte". 19 days, the official Xinhua news agency of China has blamed "will deteriorate more and more business outlook, including duty-free imports of a Lotte, they are playing with fire."

Is a China-related business is sales of 6 trillion won for Lotte. Last year, sales figured in the Chinese subsidiary is about 3.2 trillion, Lotte Duty Free Shop in the Chinese rate of over 70%, sales were a record 3 trillion won level. In addition, Chengdu and Shenyang area Lotte World theme park and the town project to create a large shopping malls, hotels, residential complexes, etc. In the nearly three trillion won is being conducted.

The end of November last year, China Lotte Department Store 150 sites, including five stores, 116 stores of Lotte Mart holds a sanitation inspection, investigation and fire safety, there is also a bar later that audits are conducted simultaneously, such as unusual airflow. China's business fire inspection is a powerful means of sanctions, as well as penalties and corrective measures can go up to discontinued operations.

Dwaeteumyeo high strength survey conducted by the China plant over the same period Lotte Confectionery and Lotte Chemical, Lotte Castle, some model houses were closed up to the requirements. In addition, late last year, Chinese authorities ordered the construction suspended action of Shenyang Lotte Town. The department has already completed and youngpeulraja etc., or during normal operation and construction of the theme park and the apartment was in progress for completion in 2018 aiming It took braking.

Recently tightened restrictions on Korean, the Chinese government has analyzed that the actions of the Chinese government are associated with Saad place out.

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Switching bank loan delinquencies rise to only three months

[South Korea's Choice Financial newspaper reporter] was converted into a bank loan delinquency rate rise in just three months.

27 days, according to the Financial Supervisory Service announced a KRW-denominated loan delinquency status of domestic banks, the end of January this year the total loan delinquency rate (more than one months overdue principal and interest) rose 0.06 percent to 0.53 percent points higher than the previous month end.

Delinquency show a second month in a row naerimse to 0.81% in November from October last year, 0.64%, 0.47% in December turned to rise.

FSS explained that "the new yeoncheaek (1.6 trillion won) that occurred last month according to a scale beyond the cleanup overdue receivables (8,000 million).

Overdue receivables balance increased by 700 billion won this year, compared to January last year to 7 trillion 500 billion won horses in December (6.8 trillion won).

The end of January, large loan delinquency rate fell 0.06 percentage point from the previous month to 0.71%. SME loan delinquencies rose 0.11% points to 0.74% from the previous month. The total corporate loan delinquencies rose 0.07% points to 0.73%.

Household loan delinquency rate was up 0.02 percentage point from the previous month to 0.28%. Mortgage loans (0.21%) and group loans (0.30%) delinquency rate was 0.02 percentage point, rising by 0.01 percentage points, respectively. Household credit delinquency rates also rose 0.07 percentage point to 0.48%.

The FSS said, "I will strengthen the monitoring of a possible rise in delinquency rates in domestic and foreign economic uncertainty."

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LG Electronics Mobile deficit to less than 20 million won G6 sales decline expected - Eastern

G6 was expected to sell for [Korea hyerin nine financial newspaper reporter] LG Electronics 27 days Eastern Securities will reduce the deficit mobile. This recommendation is made BUY, TP maintains 10 007 6000 won.

G6 is expected to be released in the US market starting in four starts Korea market March 10 March.

Dongbu Securities Issues viscosity researchers said "Samsung Galaxy S8 has a slight positive effect on the timing yeoseo launch point at which 47 are Fade out launch and Apple's iPhone in April, '' chulgoga Although the prospect of slightly higher than the previous product new competitors versa yeoseo constraints of sales, it said it would not. "

In addition, this first quarter from the end of G6 effect will come out in earnest sales in the second quarter there will be some tax, saying, 'yeoseo off state to reduce a lot of fixed costs G6 is MC quarter also sold only monthly average 500 000 (17 years 5 million per year) deficit evaluated would fall significantly less than 200 billion won.

LG Electronics first quarter and full-year operating profit consensus of a 433.7 billion won, respectively, 1.75 trillion won.

Issues Researchers said "better than expected H & A, HE sales situation, you have no significantly reduces Given the many MC operating losses often raised no such consensus, 'he said,' It means a lot of upside potential in the share price.



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Mirae Asset Life Insurance, rising to afford a differentiated business model - Kyobo Securities

Kept the [financial newspaper goyounghun Korea News] Kyobo Securities expect the 27th differentiated business models upside doendamyeo BUY rating with a target price of ₩ 7,000 for Mirae Asset Life.

Mirae Asset Life Insurance solvency (RBC) is of the opinion that the burden on small proportion downside recurring profit of 70 billion won in 2017 and further earnings growth is expected to PCA Life acquisition. As the fourth quarter reflects the various one-off costs such as early retirement it recorded a net loss of 103 billion won.

Kyobo Securities bakhyejin researchers said diagnostic "I'm not but my most undervalued sector is greatest upside potential," said "RBC ratio falling further is limited and the quality insurance sales growth is expected."

Park researchers this duration to as "even with the new RBC ratio asset duration is to overtake the liability duration massive decline not to because" and "foreign assets account for regulatory easing of the hedge period, the highest virtue foreign currency assets 7.2 reflecting that increase in years to 12.1 years, "he said.

He continued, "I have high interest in the PCA Life acquired in a conference call shareholder approval is expected to be determined 3 woljung seems to be reflected in a bargain purchase gain more than 100 billion won" and "PCA Life acquired a net profit in 2017 was 92.2 billion won, special account revenue is expected to increase by 19%, "he predicted.



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Korea Investment Trust Management, 27 to 28 'Korea Investment TDF care' Fair Fund

Announced that [financial newspaper goyounghun Korea News] Korea Investment Trust Management has 27 days from 28 days to hold a two-day fund vendors targeting banks and brokerages' care fund Korea Investment TDF Series "at the Seoul Plaza Hotel Investment Conference to.

Target date funds (TDF) is a pension fund that automatically operated in line with the retirement of the investor to adjust the proportion of stocks and bonds, domestic and foreign assets.

Korea Investment Trust Management is TDF released for three, including to design TDF structure suitable for Korea Investors established the January long-term investment products, professional management team, the Investment Solutions division, 2014, and May 10, 2015 established the pension department in to have prepared.

Since October last year the United States entered into an asset management company specializing in TDF tee-Price Inc. business agreement (MOU) came up with the 7 Series TDF fund. TDF markets in the US There are three top managers accounted for 70% of the total market share of Tyre Price is currently operational scale of the TDF 274 trillion won and was ranked third.

Seminar discusses investment strategy and the operational portion of the path and the strategic asset allocation model price of US Tyre's Jerome Clark (Jerome A. Clark) TDF is in operation on site.

Korea Management johongrae said "important points have to operate the necessary funds after retirement is to do the asset allocation and rebalancing to fit the situation of the Korean people" and "for the valuable retirement assets of the customer to replace an income after retirement He has said it plans to operate a vocation awareness. "



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Meritz Investment Bank Securities, fingerprint authentication services extended to all smartphone

[Korea goyounghun financial newspaper reporter] Tong of Meritz Securities said that applying this service even after 27 days from iPhone to Android phones started together Bio Fingerprint authentication service one last one.

This was so that all smartphones Customers can take advantage of a bio-certified services over the fingerprint instead of the previous certificate. Bio authentication service can use an unlimited period of time without a valid certificate, unlike, is characterized by omitting the additional password input procedure, unlike the previous certificate.

Meritz SMART (MTS) if the customer uses the app all, you can use directly After registering their fingerprint on the bottom of the screen, select the apps after the initial 'certification center' 'bio-certification center. After fingerprint registration can be used to select the 'bio-certification' from the 'Select Authentication Method' at login.

Meritz Securities Investment Bank plans to develop a fingerprint authentication in addition to this authentication services using a variety of biometric data in the future, improve customer convenience. Detailed usage can be found at Meritz Investment Bank securities or a smartphone app 'Meritz SMART app.



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Tuhyeop gold, opened the Indian financial investment process to strengthen sales capabilities

[Korea financial newspaper nine hyerin reporters] to learn about Korea Financial Investment Association (Chairman hwangyounggi) Financial Investment Education is the beginning of the year in the Indian stock market during gaebyeolguk investment fund receives the best attention, economic, financial investment product status, such as Outlook and Investment Strategy India launched a set of financial investment that can enhance the process of investment analysis skills from April 11 to receive a course registration until March 21.

Indian financial investment process PB business and customer service related business targeting professionals, including through the presence lectures from industry experts economy, policy, capital markets and financial investment by product investment prospects in India as well as learn investment strategies through real-world case a short training you can.

The course has been structured so you can learn more about the overall Indian economy, financial markets and investment products, and students are expected to strengthen sales capabilities and the ability to encourage investment through investment analysis and portfolio construction skills improve.

The training period is over Tuesday night to continue on Thursday two days from April 11th to April 13th at Yeouido financial investment institute. Course registration details and other details can be found in the Financial Investment Education Institute.



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"Up to sneak insurance customers privacy?" Ttajyeobo any law or

[Korea Jeongseon financial newspaper reporters] # Q) is a financial company employee personal credit information collected through the inquiry, including past transaction information without consultation and information subject to sneak What happens if the insured?

Given the new financial privacy guidelines can confirm the Credit Information Act, the Privacy Act-related violations, like the above case.

27 days Finance Committee and the Financial Supervisory Service said eight banking associations' financial sectors Privacy Guidelines provided a financial amendment above, to determine the final draft in consultation with the Ministry of Government Administration and Home Affairs.

The financial authorities last from July 2013 was published in the Financial Sector Privacy Guidelines, since the financial institutions of personal information leakage incidents Enhanced Credit Information Act for the Prevention of amendments, gotta drafting changes appear enforcement at this time after 2014, reflecting Privacy Act amendments.

According to the amendments, as described later in accordance with the Credit Information Act to collect and separate the details of the required and optional agreed to provide credit information to receive consent agreement scheme it is improved.

In the Personal Information Protection Act when the only legitimate basis to be able to handle social security number, if kept, the enhanced security through encryption.

Also collect personal credit information, and other personal information, such as the collection of personal information collected, used, etc., provided he described in detail the step-by-step process with specific rules prevail.

The relevant case law, commentary and authoritative interpretation so that such information can refer to the practice, and provided details about the implementation of standards through concrete examples of how such collection, use, and deletion of personal credit information provided.

Personal (credit) information outlining the details of the above cases, contact the financial institution were many more questions and answers regarding the protection business were 82 dogs.

Financial authorities have two months to guide and map to distribute the revised guidelines and financial institutions to comply with the law itself.

FSC official said that "it established a trust banking environment in which personal information could be securely collect, process and management of financial consumers 'saying' we will continue to reflect such legislation amendments to the guidelines revised in the future."

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