[대한뉴스=김종필 기자] As a result of the analysis of the current status of interest rate cut request rights management by commercial banks and Internet-only banks, it was found that Internet-only banks had a much higher application rate and acceptance rate than commercial banks. In a situation where public opinion on commercial banks, which are enjoying huge profits through loan-to-deposit margins in the era of high interest rates, is not good, it is pointed out that it is urgent to come up with measures to substantiate and revitalize the right to request interest rates.
On the 22nd, Rep. Yoon Chang-hyun (Chairman of the People’s Power/Daejeon Dong-gu Party Committee), a member of the National Assembly’s Political Affairs Committee, announced on the 22nd that the five major commercial banks (Hana, KB Kookmin, Shinhan, NH Nonghyup, Woori) and internet-only banks (K Bank, Toss Bank, Kakao Bank) According to the data on the application status of interest rate cut requests submitted by the 5 major commercial banks last year, regarding 550,000 of the 8.7 million accounts available for application were actually applied for, and the average percentage of accounts that applied for interest rate cut requests was only 6.33%. Only regarding 200,000 accounts (2.38%) had actual interest rates cut.
In particular, only regarding 25,000 (1.56%) of NH Nonghyup Bank’s total of regarding 1.6 million eligible accounts applied for interest rate cuts, and the acceptance rate compared to all accounts eligible for application was 1.01% of NH Nonghyup Bank’s five major commercial banks. The average was 2.38%.
On the other hand, out of regarding 5.7 million loan accounts that can apply for interest rate reduction requests at internet-only banks, regarding 1.42 million accounts actually applied for and regarding 270,000 accounts for which the actual interest rate was lowered, showing application and acceptance rates of 24.96% and 4.71%, respectively. It was 4 times and 2 times higher than commercial banks (6.33% and 2.38%), respectively.
In addition, looking at the extent of interest rate cuts, commercial banks ranged from 0.13% (Woori Bank) to 0.42% (NH Nonghyup Bank), but internet-only banks ranged from 0.38% (Kakao Bank) to 0.76% (Toss Bank), and commercial banks The extent of interest rate cuts was also higher.
Rep. Yoon Chang-hyun said, “The right to request a lower interest rate is a financial consumer’s right guaranteed by law.” It is necessary to raise the price and drastically expand the scope of cuts,” he said.
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