금감원, 새희망홀씨 대출 은행권 압력 행사한적 없어…단지 서민위해 필요한 일-NSP통신

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금감원, 새희망홀씨 대출 은행권 압력 행사한적 없어…“단지 서민위해 필요한 일”

NSP통신, 강은태 기자, 2012-11-02 12:15 KRD7 R0

#금감원 #새희망홀씨 #대출압력 #서민금융 #은행

[서울=NSP통신] 강은태 기자 = 금융감독원(이하 금감원)의 새희망 홀씨 대출 은행권 압력 언론보도에 대해 긴급 참고자료 배포를 통해 서민들을 위한 새희망 홀씨 대출은 필요한일 이라며 진화에 나섰다.

한국경제는 2일자 ‘금감원 새희망홀씨 대출실적 높여라…내년 상반기까지 2조원 채워라 시중은행 돌며 압제’제하의 기사에서 “금융감독원이 대표적인 서민금융 상품인 새희망홀씨 대출 실적이 부진한 시중은행에 무리하게 대출 독려에 나서자 은행들이 반발하고 있다”고 보도했다.

하지만 이에 대해 금감원 한 관계자는 “새희망 홀씨 대출은 서민금융을 위해 필요한 일이며 은행들이 하겠다고 한 것이지 금감원은 압력을 행사한 적이 없다”고 해명했다.

G03-8236672469

특히 금감원 한 관계자는 “언론들에서 실적 저조와 관련해 보도를 많이 하고 있어 금감원 압력 이야기가 나온 것 같다”고 말했다.

현재 저소득층의 은행대출 이용 비중은 2008년말 14.5% → 2012년 6월말 11.4%로 지속적으로 하락한 반면, 비은행대출 비중은 2008년 말 43.2% → 2012년 6월말 47.3%로 상승 추세에 있다.

따라서 금감원은 저소득·저신용 서민들이 대부업 등 고금리 사금융으로 내몰리고 서민들의 금융비용 부담이 증가하는 등 가계부채의 질적인 구조가 악화되고 있다고 지적했다.

이에 금감원은 “정부와 금융당국은 서민들의 금융애로 해소와 함께 최악의 상황을 방지하기 위한 선제적인 대응노력으로 새희망홀씨 등의 서민금융 지원대책들을 지속적으로 확대하고 10%대 은행 대출상품 개발, 프리워크아웃 활성화 유도, 서민금융 전담창구 마련 등 각종 서민금융 지원대책을 추진하고 있다”고 설명했다.

특히 금감원은 “은행들도 IMF 외환위기와 글로벌 금융위기로 어려움을 겪을 때 정부와 국민들이 은행을 도운 것처럼 이제는 은행들이 상생차원에서 서민들을 돕는 것이 필요한 시기다”고 강조했다.

현재 금감원은 2010년 11월 출시된 새희망홀씨의 목표취급액 등은 은행연합회와 은행권이 자율적으로 결정 운영하고 있고 연체 대출금을 모두 상환하고 소득 등의 상환능력이 있음에도 과거 연체기록으로 대출대상에서 그동안 배제되는 것을 개선하기 위해 대출조건을 일부 완화했다고 밝혔다.

한편, 금감원은 2012년 1~9월중 새희망홀씨 지원금액은 1조 3860억원에 달해 금년도 목표취급액(1조 7508억원)의 79.2%를 달성됐으며 저신용(신용등급 7등급이하)･저소득자(연소득 2000만원 이하) 비중이 74.3%에 달하고 있다.

2012년 9월말 현재 새희망홀씨 잔액은 2조 877억 원으로 은행 전체가계대출규모(2012년8말 기준 잔액 460조 1102억원)의 0.5%에 해당하고 2012년 9월말 현재 새희망홀씨 연체율은 2.6%로 최근 연체율이 다소 상승하는 점을 감안하더라도 저소득·신용자 비중이 74%에 달하고 있는 점을 고려할 때 상대적으로 낮은 수준이라고 금감원은 밝혔다.