[앵커]
As the United States moves to guarantee full deposits in connection with the bankruptcy of Silicon Valley Bank, a review has been conducted to see if Korea can take the same steps in a crisis.
Negotiations to increase the current deposit protection limit of 50 million won to a higher amount, such as 100 million won, are expected to accelerate.
Reporter Kang Hee-kyung reports.
[기자]
Following the bankruptcy of Silicon Valley Bank in the US, the US government immediately took a ‘full deposit guarantee’ card.
US Treasury Secretary Janet Yellen also repeatedly emphasized that you can be confident in the safety of your deposits.
[재닛 옐런 / 미국 재무장관 : 미국 은행 시스템이 건전하다고 재확인합니다. 필요로 할 때 예금 인출 가능하다는 것에 확신을 가져도 좋다고 약속합니다.]
Previously, there was a case in Korea where deposits were fully guaranteed.
As the risk of insolvency increased during the foreign exchange crisis, deposits were fully hedged from November 1997 to the following year.
As the SVB crisis began this time, it was reviewed whether the government could take measures to fully guarantee deposits in the event of a crisis in Korea.
The government concluded that the depositor protection limit was regulated by presidential decree, so the limit could be changed immediately without going through the National Assembly.
However, it is said to have been verified only at the theoretical level as it can cause various problems such as moral hazard if introduced regularly.
[권혁중 / 경제평론가 : 우리나라도 예금보험공사라는 게 있습니다. 5천만 원까지 예금자보호를 해줘요. 미국도 마찬가지로 연방보험기구라고 있습니다. 보호를 해 주는데 기금이 만약에 고갈된다고 하면 어쩔 수 없이 이건 세수 쓰는 거거든요.]
Separately, discussions on raising the depositor protection limit to 100 million won are ongoing.
The protection limit has been maintained since it rose from 20 million won to 50 million won in 2001, but it is said that it should be raised further given the size of the economy and inflation.
Even in the political world, they are raising their voices that the limit should be expanded regardless of the opposition parties.
[김병욱 / 더불어민주당 의원 (지난 14일) : 금융소비자의 불안을 해소하고 그동안의 물가 인상도 반영하기 위해서 마음 놓고 은행 거래를 할 수 있도록 예금자 보호 금액을 5천만 원에서 1억 원 정도로….]
As the financial authorities plan to draw up an improvement plan and submit a report on it to the National Assembly by August this year, attention is focused on whether there will be any change to the depositor protection limit, which has been maintained for 23 years .
This is Kang Hee-kyung from YTN.
YTN Kang Hee-kyung (kanghk@ytn.co.kr)
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