2024-06-30 15:56:36
The explanation the federal government and the ruling celebration got here up with a plan to eradicate unlawful non-public loans, together with strengthening the administration and supervision of on-line mortgage brokerage platforms, is as a result of a consensus has unfold inside the ruling celebration that robust measures should be taken earlier than the harm will increase.
In a telephone name with the Dong-A Ilbo on the thirtieth, a high-ranking official from the Presidential Workplace mentioned, “We determined on the assembly to take strict motion towards unlawful non-public lending and voice phishing fraud crimes as they’re inflicting important harm not solely to the frequent individuals but in addition to the center class.” Final 12 months, the variety of harm circumstances reported to the Monetary Supervisory Service’s ‘Unlawful Non-public Finance Injury Reporting Middle’ was 12,884. It was a 39.4% improve from 9,238 circumstances two years in the past. As excessive costs and rates of interest proceed and the financial system deteriorates, the variety of individuals being compelled into unlawful non-public lending is quickly rising.
● Blocking the unlawful non-public mortgage ‘channel’
The Blue Home, the federal government, and the Individuals Energy Get together clearly acknowledged on the high-ranking ruling party-government assembly held on this present day that they may strengthen the administration and supervision of on-line mortgage brokerage platforms. Since nowadays, unlawful non-public loans are primarily made by platforms, the place the whole course of from lending to assortment is completed non-face-to-face, they may deal with on-line mortgage brokerage platforms which have been left in a administration blind spot. In response to a 2022 Monetary Supervisory Service survey, about 80% of unlawful non-public mortgage victims responded that they first encountered unlawful non-public loans by platforms. An official from the Blue Home mentioned, “As unlawful non-public monetary crimes proceed to unfold by non-face-to-face strategies, we plan to actively overview measures to strengthen the administration and supervision of mortgage brokerage websites.”
The celebration and authorities additionally determined to dam unlawful non-public mortgage commercials focusing on victims outdoors the platform. Unlawful non-public mortgage organizations are promoting by posting posts not solely on platforms but in addition on social networking providers (SNS) and web cafes. We additionally create our personal website. Whenever you seek for ’emergency mortgage’ on some portals, the websites of unlawful mortgage sharks are displayed on the prime. In an effort to block unlawful non-public mortgage commercials, the federal government is claimed to be reviewing the British case, which stipulates in legislation the duty to handle and delete unlawful postings on portals and imposes fines for violations.
● Unlawful mortgage sharks are punished like gangsters
The federal government has determined to strengthen not solely preventive measures but in addition post-punishment measures. Because the launch of the ‘Authorities-wide Activity Power (TF) to Eradicate Unlawful Non-public Finance’ in August 2022, the federal government has constantly emphasised a strict punishment tone. Final November, it was introduced that it will make arrests and investigations of malicious unlawful debt collectors a precept and apply the ‘Stalking Punishment Act’. Moreover, it mentioned that it will arrest and examine ‘routine offenders’ and search the utmost statutory sentence for unlawful non-public mortgage organizations. The statutory penalty for violating the Mortgage Enterprise Act is as much as 5 years in jail or a high quality of as much as 50 million gained, however which means it is going to be topic to a stronger punishment by additionally being categorized as organizing a felony group.
As well as, it was determined to broaden authorized help for victims of unlawful non-public loans to their households and acquaintances. The Korea Authorized Support Company gives assortment providers for victims freed from cost by the ‘Debtor Consultant’ system. As there have been circumstances of candidates ready resulting from a scarcity of finances in comparison with final 12 months, the challenge finances was elevated from 886 million gained final 12 months to 1.255 billion gained this 12 months. Because the starting of this 12 months, the Company has additionally been supporting contract invalidation lawsuits filed by 4 victims of unlawful non-public loans towards enterprise operators.
From the twenty fourth to the twenty eighth of final month, the Dong-A Ilbo Hero Contents group serialized the sequence ‘Entice: Caught in a Cash Entice’, which uncovered the fact of platform non-public loans. Individuals Energy Get together Emergency Response Committee Chairperson Hwang Woo-yeo mentioned in a telephone name with this newspaper on this present day, “As vicious scenes of bullying the frequent individuals, particularly the weak, had been intensively reported, social curiosity was raised, and the notion was shared that this must be used as a chance to provoke full-scale crackdowns and enhance legal guidelines and programs. “He mentioned, “Associated authorities measures can be introduced within the first and second rounds.”
The Workplace for Authorities Coverage Coordination plans to kind an built-in response bureau by gathering related ministries to reply. An official from the Workplace for Authorities Coverage Coordination mentioned, “We plan to announce associated measures as early as early July.”
Reporter Kim Ho-kyung [email protected]
Reporter Choi Hye-ryeong [email protected]
Reporter Lee Sang-heon [email protected]
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2024-06-30 15:56:36