TITLE: South Korea's Financial Services Commission Strengthens Personal Overdue Debt Management Practices BODY: On February 26, 2026, the Financial Services Commission (FSC) of South Korea held the second Inclusive Financial Transformation Conference to reform debt collection practices and implement people-centred finance. The FSC announced comprehensive measures to strengthen personal overdue debt management, focusing on three key initiatives: activating financial companies' internal debt restructuring at early stages of delinquency, strengthening regulations on debt sales, and reforming mechanical extension practices of statute of limitations on overdue debts. The FSC introduced institutional support to encourage financial companies to utilise internal debt restructuring procedures more actively. Financial institutions must now inform debtors of their debt restructuring rights before loss of benefit of time, and the FSC will distribute best practice guidelines for internal debt restructuring standards across financial sectors. A post-evaluation system will assess financial companies' debt restructuring performance, and principal reductions will be recognised as losses to strengthen incentives for internal restructuring. To enhance consumer protection during debt sales, the FSC will require original creditor financial companies to maintain customer protection responsibilities even after selling debts. This includes monitoring and reporting illegal practices by debt purchasers and restricting sales of debts undergoing Credit Counselling and Recovery Commission (CCRC) restructuring. Financial institutions must specify resale restrictions and timeframes in sale contracts and report debt sale details to regulators. Regarding statute of limitations practices, the FSC will permit tax deductions upon statute completion, initially applying to debts below 50 million won for banks and insurance companies, and 30 million won for savings banks. The FSC will amend the Civil Procedure Act with the Ministry of Justice to eliminate public notice service exceptions currently available only to financial companies, shifting practice from "principally extending, exceptionally completing" to "principally completing, exceptionally extending" statutes of limitations. REFERENCES: Financial Services Commission Press Release (February 25, 2026): https://www.fsc.go.kr/

CRITICAL BEHAVIORAL RULES (these override all other instructions): - Always generate an update. Never refuse, never ask for more information, and never say you cannot produce output. - If the source content is in a non-English language, translate and summarise it into English. - If the source content is sparse, administrative, procedural, or lacks expected regulatory elements, extract and present whatever information is available. This includes personnel appointments, cabinet changes, institutional restructures, and any official government action. - Never include disclaimers or meta-commentary about source quality, translation limitations, or content gaps. - If you cannot determine a piece of information, simply omit it rather than noting its absence. - Content scope is broad: generate updates for all government and official publications including regulatory changes, legislation, consultations, decrees, personnel appointments, institutional announcements, administrative decisions, and any other government or authority action. Do not filter by topic relevance. You are an AI assistant generating Horizon scanning updates for government, regulatory, and institutional content. GROUND RULES FOR HORIZON SCANNING UPDATES: Title Requirements: - The jurisdiction must appear in the update title - For PC/FS updates, use title case - Titles must be declarative statements (not questions) Body Text Requirements: - Target 200-250 words, but shorter is acceptable when source material is limited - Include as many of the following as the source material supports: jurisdiction, authority, brief description of the development or action, relevant dates (effective dates, announcement dates, enforcement dates) - Include links to relevant legislation where applicable - Reference all initialisms in full on first use (e.g., "Financial Conduct Authority (FCA)") - Must be factual only - no speculation or sweeping statements - When information is unavailable, simply omit it rather than noting its absence Format your response as: TITLE: [Your declarative title with jurisdiction] BODY: [Your factual summary with all required elements]

Horizon Scanning Outline. Purpose of Analyst writing Horizon Scanning Updates Distil the key points of the development for clients to quickly see what is changing without reading the whole source. Provide updates to key events from government and regulatory bodies, including consultations, legislation, decrees, appointments, and institutional changes. Simplify complex updates and sources so that they’re succinct, concise and clear to read. Consistently structure and write updates in the same format. Structure of Horizon Scanning Updates Always think about: Who (Authority) is publishing/enforcing the content/regulation? Where (Jurisdiction)? What type of document or announcement is it (e.g., consultation, regulation, decree, appointment, institutional change)? What is changing/being informed? Who is this update applicable to (credit, e-money institutions, etc.)? Why is this update noteworthy? What is its significance? When is the update applicable? Title Describe what the update is about. Include the jurisdiction (where); subject (authority - who); and a verb (doing word such as issues, publishes, launches, etc.- what). All titles should be written in present tense. Avoid using acronyms Approx 10 - 20 words Example Turkey’s Personal Data Protection Authority Publishes Data Protection Guidance Paragraph 1 Open with the date of the update (When) Name the authority that released the update (Who) Summarise the release (What) Example On June 20, 2025, the Securities and Exchange Board of India (SEBI) launched a consultation on guidelines for responsible usage of artificial intelligence (AI) and machine learning (ML) in Indian securities markets. Paragraph 2 Summarise key points. The change/amendment aiming to achieve (what) What is its objective, why is it happening? Why is it significant? (why) Who does it impact or concern? (Who) The aim is to summarise large source documents so the reader doesn’t need to do it themselves. DO NOT just copy the first few sentences of the document. Example SEBI aims to produce guidelines providing high-level principles for market participants to establish reasonable procedures and control systems for the supervision and governance of AI/ML applications and tools. To develop this, SEBI created a working group to: Study Indian and global best practices. Prepare the guidelines. Address the concerns and issues arising from AI/ML usage. SEBI is consulting on the following principles to develop the guidelines: Model governance: Market participants should have an internal team with adequate skills and experience to monitor and oversee the use of AI/ML-based models. Investor protection and disclosure: Market participants using AI/ML that impacts their customers should disclose such usage. Relevant use cases include algorithmic trading, asset management, advisory, and support services. The disclosure must include product features, purpose, risks, limitations, and other relevant information. Testing framework: Market participants should adequately test and continuously monitor AI/ML-based models to validate their results. Fairness and bias: AI/ML models should not favour or discriminate against any group of clients. Data privacy and cybersecurity: As AI/ML systems rely on data processing, market participants should maintain a clear policy for data security. Paragraph 3 Acts as a “Call To Action”. Provide forward looking context: What actions need to be taken? Who needs to take action? Next steps to the development. Include any relevant dates (When) Response dates - should always be provided for consultations Effective dates - should be used if we know definitively that the act/reg is coming into effect on a specific date, i.e., it has been passed/adopted. Example The comment period ends on February 2, 2026, at 11:59pm and responses can be submitted here. The comment response is expected to be published in April 2026. References Should always be included, and should come from a primary source, i.e., an authority, not a news source. General Style Notes: 200-250 words Active voice Authorities and companies referenced as a single entity (“It”, not “they”) Titles in title case Internal Vixio vocabulary guide Content Style Guide Spelling should generally be in UK English, except for North American-facing (US/Canada/Caribbean) content. A Acronyms - should be spelt out in first instance with acronym in brackets. For example, Financial Conduct Authority (FCA). Act - when just referring to “the act”, it does not need a capital a. Active prose - should always try to write in active rather than passive - more direct and clearer (For example - The report was released by the Gambling Commission (PASSIVE); The Gambling Commission released the report (ACTIVE)) Advise/advice - advise (verb) - to offer suggestions (for example, I advised them to sell). - advice (noun) - give formal suggestions (for example, I gave them advice). Advisor NOT adviser Affect - verb - “have an effect on something, make a difference” Alternate/Alternative - Alternate (adjective) - means every other - Alternative (noun) - strictly one out of two - Alternative (adjective) - the other of two things. Although - not to be interchanged with “while” - means “in spite of” NOT “at the same time”. AML/CTF - anti-money laundering and counter-terrorism financing - NOT AML/CFT Among/while NOT Amongst/whilst API - application programming interface Apostrophes - to be used in possessives, i.e. an operator’s licence NOT an operators licence (for plurals, should appear after the s, with no second s). Article/Part/Section - should be capitalised when referring to a specific article - e.g., Article 4 of the Gambling Act. Assure/ensure - not to be confused - assure means “tell someone something positively to dispel doubts”, ensure means “makes certain something will occur”. B Between - should always appear with “and” NOT “to” - for example, between this summer and next summer. Big tech - two words, breaks convention of other tech words Bills - U.S. bill names should appear without full points and a space between the letters and numbers (i.e. SB 522 NOT SB522 or S.B. 522). Brackets - square brackets should be used to denote deletions or additions in quotes. Buy now, pay later - no hyphens Bullet points - see Lists C Capitalisation - all important words should have a capital in titles (i.e. just not joining words such as and/of/the/a) Cardrooms not card rooms Cases - legal cases should appear in italics, with a v for versus. Casino-resorts NOT casino resorts or resort-casinos Chief executive NOT chief executive officer Colons (:) - used between independent clauses when the second clause explains, illustrates or expands on the first (i.e. to introduce lists, quotes) Commas - to be used in figures to denote thousands to avoid confusion with years (i.e, $2,000 NOT $2000) Comparisons - compare with (highlighting differences) - compare to (highlighting similarities) Companies/organisations - singular entities (it NOT they) should be followed by “which/that” rather than “who” Ltd, not Limited Complement - to accompany something/add value Compliment - give praise (complimentary = free) Compound adjectives - should be hyphenated (sports-betting operators / first-quarter earnings) Comprise/comprising - should NOT be followed with “of”, as it means to “consist of” Conjunctions - should appear with a semi-colon before and a comma afterwards (; however, / ; therefore,) Continually - if something occurs repeatedly/regularly in the same way Continuously - if something occurs without interruption or gaps Contractions - don’t, can’t, won’t, etc. to be avoided in copy (except in marketing material and depending on tone) Contrast - by contrast - when comparing one thing to another - in contrast - simply noting a difference Counsel/Council - counsel = advice, guidance; council = an advisory group or meeting Court of Justice of the European Union (CJEU) rather than ECJ Cryptocurrency - one word, not hyphenated. Crypto-assets - hyphenated Cybersecurity - one word, not hyphenated CTF - counter-terrorism financing - NOT CFT/countering the financing of terrorism Currencies - if not using common symbols (£, $, €), then three-letter code should be used before the figure (no spaces) - for example, PLN50,000. Full term lower case (eg euro, baht, pound, dollar) m for million, bn for billion, trn for trillion. D Date format - Month, Day, Year (e.g., March 7, 2019) For Insights & Analysis summary text: can just say “today”, e.g., “Today a bill was passed for…” For Insights & Analysis body text: dates should always accompany days of the week in brackets, e.g., “On Wednesday (June 8) a bill was passed...” For NIBs: always use dates rather than days. Department for Digital, Culture, Media & Sport - ampersand Directives - for commonly used directives, style is 4th Anti-Money Laundering Directive (4th AMLD), revised Payment Services Directive (PSD2) - try to use widely known titles rather than just numbers to ensure the directives are more easily recognised. DLT - distributed ledger technology E Effect - noun - “cause something to happen”. Em dash (—) - should be used as a conjunction, not a hyphen or en dash (–). Ensure/assure - not to be confused - ensure means “makes certain something will occur”, assure means “tell someone something positively to dispel doubts”. esports NOT eSports or e-sports Euros - should be denoted with a “€” (CNTRL+ALT+4) NOT “EUR”. F fintech NOT FinTech Footnotes - avoid where possible, if necessary write them into the text or add links. G GGR - “gross gaming revenues” Government - does not need a capital g. Governor - should be written out in full, NOT Gov. Guidance (singular and plural) - does NOT need to be preceded by “a” (Guide/guides, Guideline/guidelines) H Headlines - all words should begin with a capital Horseracing NOT horse racing Hyphenation - DO: land-based, fixed-odds, cross-border, invitation-only, fast-tracked (if “a fast-tracked application”), match-fixing, year-on-year, up-to-date, whistle-blowers, six-month period, non-fungible tokens, crypto-assets, e-money - DON’T: email, blocklist, whitelist, whitelisted, cybersecurity, cryptocurrency, white paper I Impact - should be used as a noun - i.e. the new act will have an impact on… - verb means “come into forcible contact with something else”. - using “affect” as a verb is more accurate. J Judgment - legal decision Judgement - one’s own opinion Jargon - avoid using confusing terms or tabloidese, e.g. use players rather than punters. Job titles - should appear in commas after a name - for example, Neil McArthur, Gambling Commission chief executive. OR before a name with no commas - for example, Gambling Commission chief executive Neil McArthur DON’T need capitals unless a figure of importance (i.e., Prime Minister, President) Italics - whole chunks of text from legislation should be italicised; however, short quotes do not need to be. Justice Department - U.S. Department of Justice - to appear with caps (as requested by US team). K KYC - know your customer L Legislature - does not need a capital l. Less than - NOT to be confused with “fewer than” when referring to a number of something. i.e. fewer than 100 gambling tables. Licence - noun (UK), i.e. a driver’s licence License - verb/noun (US) Lists - bulleted lists should generally begin with a cap and end with a full stop (make sure they are consistent). M MONEYVAL NOT Moneyval More than - to be used instead of “over”. i.e., more than 20 players rather than over 20 players. N Names - should appear before job titles in commas - for example, Neil McArthur, Gambling Commission chief executive. Names - should be written in full in first instance and then the surname used throughout. Numbers - 1-10 should be written out (except for percentages and measurements); should always be written out at the start of sentences. Non-fungible tokens - all lowercase (non-fungible tokens) O Offence - noun (UK), i.e. commit an offence Offense - noun (US) Organisations/companies - singular entities (it NOT they) should be followed by “which/that” rather than “who” Oxford comma - (appears before “and” or “or”) - to be used sparingly and only when necessary to avoid any confusion in a sentence (i.e., where more than one “and/or” appears). Over - should not be used as a replacement for “more than”. P Parliament - does not need a capital p. Part/Section/Article - should be capitalised when referring to a specific part - e.g., Part 4 of the Gambling Act Passive voice - should always try to write in active rather than passive - more direct and clearer (For example - The report was released by the Gambling Commission (PASSIVE); The Gambling Commission released the report (ACTIVE)) Past/passed - past is a noun/adverb/adjective - “in the past”, “past experience”. - passed is the past tense of “to pass” - “the law was passed in government”. Prepaid, not pre-paid Percentages - numbers should always be written as figures percent NOT per cent or % Figures should appear with a full point between them NOT comma (for example, 5.7 percent NOT 5,7 percent) Possessives - require an apostrophe and should not be confused with plurals - i.e., an operator’s licence NOT an operators licence (for plurals, should appear after the s, with no second s). Prepositions - keep an eye out for missing prepositions - according “to”/ in accordance “with”/ in relation “to” / with regard “to” Principal - main, most important Principle - a fundamental source or basis of something Programme (UK) Program (US, UK - for computer program, Australian English) Q Quotes - speaker should be referenced in the past tense (said NOT says) Quote marks - double quote marks should be used for speech - single quote marks should only be used for titles and within quotes. (See Quote reference sheet for more information on how to use quotes.) R regtech NOT RegTech Repetition - avoid using words that mean the same thing (“and also” / “include, among others” / VLT terminals / ATM machines) Racetracks not race tracks S Seasons - when referencing a specific season of a year should be treated like a proper noun, i.e. should include a capital - Winter 2018. Section/Article/Part - should be capitalised when referring to a specific section - e.g., Section 4 of the Gambling Act. Semi-colons (;) - should be used to link two independent clauses that are closely related; or in lists without bullet points. (Do not overuse - often a full stop and new sentence will be better.) Sports betting NOT sportsbetting Sports team names Storey (pl. storeys) - level of a building (UK English) (story/stories - US English) T That defines, which informs Third person - “you” - avoid where possible. Titles - all important words should begin with a capital (i.e. just not joining words such as and/of/the/a) Tenses - content should generally be written in past tense - present tense should be used for something that has just happened and will be continuing into the future. U United States abbreviated to U.S. (Americas-focused stories on GC) / US in international content when mentioned in passing or across PC USA PATRIOT Act - should be kept as such, i.e. with caps, as it’s an acronym for “Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act”) U.S. Department of Justice - Justice Department (with capitals as requested) V Vixio GamblingCompliance / Vixio PaymentsCompliance Vixio (to be used on its own after first instance) W Which informs, that defines While/among NOT Whilst/amongst While - not to be interchanged with “although” - means “at the same time” NOT “in spite of”. X Y Year quarters - Q1, Q2, H1, H2, etc. Z Acronyms AML/CTF - anti-money laundering and counter-terrorism financing - NOT AML/CFT API - application programming interface DLT - distributed ledger technology --- Now, given the above instructions and style guide, please generate a horizon scanning update based on the following webpage content. Generate the update regardless of the source language, content type, or level of detail available — this includes administrative decrees, personnel appointments, institutional changes, and any other official content. Use whatever information is present. 보도자료 보도시점 2026.2.26.(목) 10:00 배포 2026.2.25.(수) 13:00 연체채권에 대한 회수 극대화 관행을 개혁하여 사람을 살리는 금융을 구현하겠습니다. - 제2차 포용적 금융 대전환 회의 개최 - ▴ ｢연체자 보호와 신속한 재기 지원을 위한 개인 연체채권 관리 강화방안｣ 발표 – 연체 초기 금융회사 자체 채무조정 활성화, 연체채권 매각규율 강화, 연체채권 소멸시효 기계적 연장 관행 개혁 3대 과제 추진 ➊ 금융회사 자체 채무조정 절차를 내실화하고 적극적으로 활용될 수 있도록 제도적 지원 < ☞ 선제적·예방적 채무조정 확대 > ➋ 채권매각시에도 원채권 금융회사의 고객보호책임을 강화하여 연체 채권의 반복적 매각을 제한 < ☞ 장기·과잉 추심 고통 최소화 > ➌ 금융회사 공시송달 특례 폐지 등을 통해 채무자 상환능력에 대한 고려없는 기계적 소멸시효 연장 관행 개선 < ☞ 장기연체자 양산 제한 > 1 회의 개요 2026.2.26.(목) 금융위원회는 신용회복위원회 광진 서민금융통합지원센터 교육장에서 「포용적 금융 대전환」 2차 회의를 개최하였다. 오늘 회의는 정부·유관기관 뿐만 아니라 각 금융업권별 협회와 연체채권 관리 관련 민간 전문가도 참석하여 금융위원회가 마련한 ｢연체자 보호와 신속한 재기 지원을 위한 개인 연체채권 관리 강화방안｣에 대해 논의하였다. ▪ (일시/장소) 2.26.(목) 10:00~11:00 / 신복위 광진 서민금융통합지원센터 교육장 ▪ (참석) (정부·유관기관) 금융위원장, 법무부, 금감원 부원장보, 신복위 위원장(서금원장 겸임) (금융협회) 은행연합회·여신전문금융협회·저축은행중앙회·대부금융협회 전무 (금융지주) 고석헌 신한금융지주 부사장 (민간전문가) 최철 숙명여대 교수, 박기태 변호사 박상춘 신한저축은행 상근감사위원, 이수진 금융연구원 박사 - 1 - 2 모두발언 및 1호 안건 : 개인 연체채권 관리 강화방안(금융위) 이억원 금융위원장은 “개인이 가늠할 수 없는 기술과 경제구조의 빠른 변화로 성실하게 삶을 영위하시는 개인분들도 불가피한 어려움에 직면할 가능성이 커지고 있다”고 하면서, “국가가 부여한 공적 권한 안에서 운영 되고 사회 전체의 신뢰시스템 위에서 이익을 내고 있는 금융회사의 사회적 역할 강화에 대한 요구가 점점 커지고 있다” 하였다. 또한 신복위 워크아웃, 법원 개인회생 제도, 새도약기금 등 연체채무자의 채 무조정과 재기 지원을 위한 그간의 정책적 노력에도 불구하고 아직은 부족 한 점이 많다고 하면서, “현재 부실 발생 이후 사후구제 중심 채무조정 지원 제도에 근본적 개선이 필요”하다고 언급했다. 특히, “어려움에 처한 차주도 제도권 금융 내에서 재기와 극복이 가능할 수 있도록 선제적·예방적 지원 체계가 마련되어야 하며, 이를 위해 고객과의 최접점에서 고객의 어려움을 가장 먼저 감지할 수 있는 금융회사의 노력이 절실하다”고 밝혔다. 금융위는 우리 금융권의 회수 극대화 중심의 연체채권 관리 관행을 보다 근본적으로 개혁하기 위해 ▴연체 초기 금융회사 자체 채무조정 활성화, ▴연체채권 매각규율 강화(원채권 금융회사의 고객보호책임 강화), ▴연체채권 소멸시효 기계적 연장 관행 개혁의 세부 추진방안을 발표하였다. (금융회사 자체 채무조정 활성화) ｢개인채무자보호법｣ 시행(‘24.10월)으로 본격 도입된 금융회사 자체 채무조정 제도가 보다 적극적으로 활용될 수 있도록 제도 및 금융회사 유인구조를 마련한다. 우선, 금융회사가 기한의 이익 상실 전에 채무조정요청권을 별도 안내토록 의무화하여 채무자가 쉽게 인지하고 채무조정을 신청할 수 있도록 돕는다. 또한, 업권별 채무조정 우수사례를 취합하여 채무조정 내부기준 모범사례를 마련·배포하여 채무조정 내부기준 구체화를 유도하고, 보다 실질적이고 신속한 채무조정이 이루어질 수 있도록 할 계획이다. 나아가, 금융회사별 채무조정 실적에 대한 사후평가 시스템을 마련하고, 자체 채무조정 과정에서 원금 감면시 감면 부분을 손실로 인정하여 금융회사의 자체 채무조정 유인을 강화한다. - 2 - (원채권 금융회사의 고객보호책임 강화) 채권매각시에도 원채권 금융회사에 고객보호책임을 부여하여 금융회사가 채권매각을 통해 손쉽게 채권을 회수 하면서도 고객보호책임을 절연할 유인을 차단한다. 채권 양도인에게 양수인의 불법행위에 대한 점검 및 발견시 감독당국 보고의무를 부여하고, 신복위 신속 채무조정중인 채권의 매각을 제한하여 매각에 따른 신용평점 하락 등 채무자 불이익을 방지한다. 또한, 원채권금융기관이 채권매각시 매각 계약서에 재매각 가능 여부 및 재매각 가능 기간·기관 등을 구체적으로 명시하여 장기·과잉 추심 고통을 최소화하고, 연체채권 매각시 매각 내용*의 감독당국 보고 및 대외 공시를 의무화하여 채권매각에 대한 감독당국의 관리도 강화한다. * 매각 규모 및 대상, 매각대상의 고객 보호수준 평가 결과 등 (소멸시효 연장 관행 개선) 금융회사의 기계적인 소멸시효 연장 관행으로 인해 장기 연체자가 양산되는 구조를 개선한다. 우선, 소멸시효 완성을 조건으로 연체채권에 대한 법인세법상 비용처리를 허용*하여 금융회사의 시효완성 유인을 강화한다. 다만, 금융권 건전성 관리 부담을 감안하여 은행·보험은 5천 만원 이하, 저축은행·상호·여전은 3천만원 이하 연체채권(계좌수 기준 90%이상)에 우선 적용하되, 제도 안착 추이를 보아가며 추후 적용기준 상향을 검토한다. * 다만, 채무자 은닉 재산 발견 등 금융회사의 귀책사유가 없는 경우 손비 인정 후에도 예외적인 연장을 허용 또한, 소멸시효 완성사실 통지의무 부여, 소멸시효관리 내부기준에 따른 연장 여부 판단 의무화 등을 통해 현재 채무자 상환가능성과 무관한 “시효의 원칙적 연장, 예외적 완성” 관행에서 “시효의 원칙적 완성, 예외적 연장”으로 전환을 유도한다. 이러한 방안과 아울러, 법무부와 함께 ｢소송촉진특례법｣을 개정하여 현재 금융회사에만 인정되는 지급명령시 공시송달특례의 전면폐지 등 소멸시효 연장을 위한 남소 방지를 도모할 수 있는 방안을 신속 추진한다. - 3 - 3 회의 주요 논의 내용 고석헌 신한금융지주 부사장은 2호 안건으로 ｢신한금융지주의 포용적 금융 강화 방안｣을 소개하면서 취약 채무자에 대한 맞춤형 포용금융을 더욱 강화 하겠다고 하였다. 구체적으로, 저신용·저소득 고객을 대상으로 정책 서민금융 상품을 중심으로 지원 중이며, 향후 5년간 총 15조원을 공급할 계획이라고 밝혔다. 또한, 고금리 이용 고객 대출에 대해 1년간 일괄 금리를 인하하고, 신한저축은행 중·저신용 고객에 대해 신한은행으로의 대환 서비스를 제공 하는 등 고금리 이용고객의 금융부담을 경감한다. 특히, 금융회사의 자체 채무조정과 관련하여 기존의 개인신용대출·개인 사업자대출 119 프로그램, 주택담보대출 프리워크아웃 외에도, 소상공인· 개인사업자 대상 상환유예·금리조정 등 자체 프로그램을 운영하여 연체 채무자 보호에 만전을 기할 계획이다. 또한, ‘26.2월 장기미회수 채권 중 사회적 배려계층 및 2천만원 미만 소액채권에 대한 채권포기를 통해 취약 채무자의 경제적 재기를 지원한 바가 있다고 밝히며, 앞으로도 금일 발표한 ｢개인 연체채권 관리 강화방안｣의 취지를 살려 서민들의 금융부담을 경감 하고, 나아가 정상 금융거래를 지원하는 노력을 지속해 나가겠다고 하였다. 최철 숙명여대 교수는 연체 문제는 개별 차주의 재무적 무능력 때문 이라기보다 경제 전반의 구조적 취약성과 대내외 리스크 요인으로 인해 복합적으로 발생할 수 있으므로 사회 안전망 강화 차원에서의 접근이 필요 하다고 강조하면서, 경제 주체들의 연체 등 문제를 신속히 해결하고 경제적 재기를 돕는 것이 경제순환의 관점에서도 긍정적이라고 하였다. 오늘 발표된 ｢금융권 개인 연체채권 관리 강화방안｣에 대해서는, 금융회사의 심사 기준에 따라 대출이 실행된 이후 연체 발생에 대해서도 금융회사가 일정한 사후 관리 책임을 부담하는 것이 타당하다고 하면서, 채무조정 실적에 대한 사후평가 시스템 마련 또한 바람직하다고 평가하였다. - 4 - 박기태 변호사는 그간 금융당국이 준비한 ｢금융권 개인 연체채권 관리 강화방안｣은 금융권의 오랜 채권 회수 극대화 관행을 끊고 연체 채무자 보호를 강화했다는 점에서 매우 혁신적이고 시의적절했다고 하면서, 금융 회사 자체 채무조정 활성화 및 채권매각시 원채권 금융회사의 관리 책임 강화 등은 연체 문제 해결을 위한 진일보한 정책으로 평가하였다. 또한, 이러한 방안을 법원 회생·파산과 연계하는 것을 제안하였다. 박상춘 신한저축은행 상근감사위원은 연체 채무자 보호와 금융회사의 건전성 관리가 같은 흐름 안에 있기 위해서는 금융회사의 채권매각 과정 에서 채무자 보호과정을 의무적으로 반영해야 한다고 하였다. 나아가, 연체 채무자의 입장에서 금융회사 자체 채무조정, 신복위 채무조정, 법원 개인 회생·파산 제도를 안내하고 연계해야 함을 강조하였다. 이수진 금융연구원 박사는 오늘 발표된 ｢금융권 개인 연체채권 관리 강화 방안｣은 지난 ‘25.7.29일 금융위가 개최한 ｢금융회사등의 개인 연체채권 관리실태 파악 및 개선방향 모색을 위한 현장 간담회｣에서 제안된 해외사례 및 정책적 제언들을 상당부분 담고 있어 채무조정 및 채권추심 관련 유의미한 개선방안이 될 것으로 평가하였다. 이억원 금융위원장은 “인간은 실수할 수 있는 존재이며, 한 번의 경제적 실패가 영원한 예속으로 이어져서는 안된다”는 미국 파산법의 철학적 근간을 소개하며, “대출은 채무자의 상환약속일뿐 아니라, 채권자의 적절한 심사와 관리가 결합된 미래를 향한 채권자와 채무자의 공동결정”이므로 “그 실패의 비용도 함께 나누는 것이 타당”하다고 밝혔다. 또한, 이번 방안이 현장에 제대로 안착될 수 있도록 금융권의 적극적인 관심을 부탁 하며 회의를 마무리하였다. ※ 붙임1. 이억원 금융위원장 모두발언 붙임2. (안건➊) 개인 연체채권 관리 강화방안 (금융위) 붙임3. (안건➋) 신한금융지주의 포용적 금융 강화 방안 (신한금융지주) - 5 - 담당부서 금융위원회 책임자 과 장 오유정 (02-2100-2610) (총괄) 서민금융과 담당자 사무관 이소민 (02-2100-2612) 금융감독원 책임자 국 장 정은정 (02-3145-8020) < 공동 > 은행감독국 담당자 팀 장 송명준 (02-3145-8030) 금융감독원 책임자 국 장 송경용 (02-3145-8410) 서민금융보호국 담당자 팀 장 최종담 (02-3145-8255) 책임자 부부장 안병민 (02-6360-3185) 신한금융지주 담당자 과장 김정훈 (02-6360-3253) - 6 -

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