[경제]Tomorrow’s banking sector improvement TF…’oligopoly’ banking market, how will it change?

[앵커]

The financial authorities’ task force to improve business practices and systems in the banking sector will be launched tomorrow (the 22nd).

By the first half of this year, it has pulled out its sword to resolve the oligopoly system of the five major commercial banks.

Reporter Kim Ji-sun reports.

[기자]

There are a total of six key tasks set forth by the TF to improve the management and sales practices of the banking sector.

Among these, the top priority is promoting market competition and improving its structure.

Even President Yoon Seok-yeol is trying to improve the oligopolistic market of the five commercial banks that have been pinched.

[최상목 / 대통령실 경제수석(지난 15일) : 은행들이 예대금리를 책정할 때 이러한 과점적 지위를 활용하며 손쉽게 사상 최대 이익을 실현했다는 지적이 있습니다.]

First of all, it seems that the exchange loan platform that can be seen as the ‘lowest interest rate search engine’ will become a reality.

In the meantime, despite the government’s active will to introduce it, it has not been easy to promote it due to conflicting interests among financial companies.

Among the large companies, Shinhan Bank quickly stepped forward by announcing the launch of the platform.

A plan to allow new banks to enter the market is also expected to be discussed.

Currently, the banking industry is a single authorization system that requires all difficult conditions to be met, but a detailed authorization method that lowers entry barriers by subdividing it into small and medium-sized businesses and retail banking is being discussed.

A plan to expand the entry into the financial industry of fintech companies with innovative ophthalmology technologies, introducing the fourth internet bank following Kakao Bank, K Bank, and Toss Bank, was also on the table.

[이복현 / 금융감독원장(지난 6일) : 디지털 전환 및 빅블러 현상에 대응하여 금융 부문에 역동적인 혁신을 지원하겠습니다. 데이터 전문기관을 추가 지정하여 금융 데이터 산업의 기반을 확충하고….]

However, it is pointed out that even if the number of banks increases, it has not led to improvements in existing bank practices or consumer rights and interests, so it is expected that the key question will be whether alternatives to support practical effects will be developed.

This is YTN Kim Ji-sun.

YTN Kim Ji-sun ([email protected])

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