금융위·예보, 예금보험료는 금융사가 부담…회사 비용-NSP통신

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금융위·예보, 예금보험료는 금융사가 부담…‘회사 비용’

NSP통신, 윤하늘 기자, 2019-06-20 14:20 KRD7 R0

#금융위원회 #예금보험공사 #회사비용 #예금보험료

(서울=NSP통신) 윤하늘 기자 = 금융위원회(이하 금융위)와 예금보험공사(이하 예보)가 예금보험료(이하 예보료)는 금융회사가 부담하는 회사의 비용이다라고 설명했다.

머니투데이는 20일 자 ‘연5000억 예보료, 누가 내나요’ 제하의 기사에서 “은행이 대출 고객이나 수신고객에게 금리를 더 받거나 덜 주는 방식으로 예보료 부담을 전가하고 있다는 비판…예금자보호 비용을 대출자가 부담하나라는 지적…예보료 재원을 어디에서 충당해야 하는지 구체적인 가이드라인은 없다” 라고 보도했다.

이에 금융위와 예보는 예보료는 예금자등을 보호하고 금융제도의 안정성을 유지하기 위하여 예금자보호법에 따라 부과되는 ‘금융회사’가 부담하는 ‘금융회사의 비용’이라면서 비용을 금융회사의 수익(대출이자 등)으로 충당할지 다른 비용(예금이자 등)을 절감해 충당할지는 각 금융회사가 경영여건을 감안하여 결정하게 된다고 강조했다.

G03-8236672469

이어 단 실제 금리 수준은 경쟁시장에서의 수요·공급에 따라 결정되게 되는 만큼 금융회사의 금리원가 보전을 위한 실무처리방식의 차이가 실제 금리수준을 결정한다고 보기는 어려운 상황이라면서 이러한 금융사 비용이 소비자에게 전가되는지 여부는 이론적 연구의 대상으로서 실제 크기를 측정하기는 어려우나 예금·대출시장의 경쟁적 특성을 감안할 경우 소비자에게 전가되는 부분은 제한적일 것으로 추정된다고 전했다.