뉴딜펀드 불평등 양극화 국비 60조추가 '국책사업'

'National project' by adding 60 trillion

펀드 경제 고도성장에 의한 소득 양극화 해소 대응용 국비를 뉴딜퍼드 사업으로 추가하며 국책사업이 됐다.

문재인 대통령의 뉴딜 경제체제 4차 전략회의는 14일 기존 '안전망 강화' 뉴딜사업을 '휴먼뉴딜'로 개명해 160조원에서 60조원 펀드자금이 추가 투입된다.

뉴딜펀드에 추가하는 불평등·격차 해소 사업은 안전망 사업 26조6천억을 50조원으로 2배 확충해 청년대출 확대로 가계대출 확대에 대응하는 방식이다.

뉴딜사업은 디지털뉴딜 그린뉴딜 안전망강화 지역균형뉴딜 4개에 대해 지난해 160조원(국비·지방비·민간 등 포함) 투입 계획에서 이번에 60조원을 추가해 220조원으로 확대하고, 국비 투입비를 지난해 114조1천억원에서 160조원으로 45조9천억원 확대하며 재정적자 은닉용 국책사업으로 변질시켰다.

국비 160조원 투입은 휴먼뉴딜 26조6천억원이 50조원 증가가 가장 높고, 지역균형뉴딜에서 42조6천억원을 62조원으로 확대하는 방식이다.

국비 증가는 지난해 중심 사업인 디지털뉴딜에서 44조8천억원이 49조원, 그린뉴딜은 42조7천억원이 61조원으로 증가했다.

뉴딜펀드 신규 사업인 '청년정책'은 저축장려금을 확대해 가계대출 확대하는 대응 방식이 적용됐다.

청년용 보증부월세대출 확대는 기준소득을 2천만원에서 5천만원으로 확대해 전세 수요 최대 확대에, 청년용 월세 무이자 대출을 시행한다.

'청년저축계좌'는 연소득 2200만원 이하에 월 10만원씩 3년간 360만원 저축 후 정부가 국비로 1~3배의 360만~1080만원 지급하는 국비 계좌 형태이다.

한국은행 가계대출 집계는 상반기(1∼6월) 총 41조6천억원 증가로 사상 최대이며, 대부분 주택매매 전세거래 자금과 생활자금 수요 증가에 의한 것으로 14일 밝혔다.

가계대출은 지난달(6월) 금융권 전체에서 10조1천억원 증가하고, 주택담보대출이 6조3천억원 증가에 신용대출(기타대출)이 3조7천억원 증가이다.

기업대출은 6월에 중소기업(개인사업자 포함)이 6조1천억원 증가이나 대기업은 1조1천억원 감소하며 대기업의 자금 호황을 나타냈다.

금감원 통계로 5월 대기업대출 연체율(0.38%)은 전달보다 0.01%p 하락하고, 중소기업대출 연체율(0.42%)는 0.02%p 상승이며, 가계대출 연체율(0.20%)는 전달보다 0.01%p 상승하며 가계와 중소법인 개인사업 등이 연체율 압박을 드러냈다.

코로나 조기반등을 주도한 펀드경제에서 공모펀드 순자산은 지난해 대비 올해 상반기 38조4천억원(14.0%) 증가한 313조1천억원이고, 사모펀드는 34조8천억원(7.9%) 증가 477조5천억원이었다.

펀드경제는 문재인 정부 초기 사모펀드가 주도해 2017∼2019년 3년간 연간 10% 넘는 고속 증가율을 보였고 지난해 순자산이 6.3% 증가했다.

금융투자협회의 '2021년 상반기 펀드시장'은 펀드에 6개월간 45조7천억원 유입과 주식형펀드에 9조4천억원(10.3%) 증가해 총 100조1천억원, 채권형펀드 132조8천억원에 14조9천억원 증가(12.6% 증가율), 채권혼합형펀드 23조3천억원으로 7조1천억원(44.0%) 증가의 초호황을 보였다.kimjc00@hanmai.net

'National project' by adding 60 trillion won to the New Deal Fund to respond to polarization in inequality

It has become a national project by adding the government budget for resolving income polarization due to the rapid growth of the fund economy as a New Deal fund project.

At the 4th Strategic Meeting of President Moon Jae-in on the New Deal Economic System on the 14th, the existing 'safety net strengthening' New Deal project will be renamed 'Human New Deal' and additional funds will be injected from 160 trillion won to 60 trillion won.

The project to reduce inequality and disparity added to the New Deal Fund is a method of responding to the expansion of household loans by expanding youth loans by doubling the 26.6 trillion won in the safety net project to 50 trillion won.

For the New Deal project, the government budget was increased to 220 trillion won by adding 60 trillion won this time from last year’s plan to inject 160 trillion won (including national, local, private, etc.) into four regionally balanced New Deals, strengthening the safety net of the Digital New Deal. It was expanded from 45.9 trillion won to 160 trillion won, transforming it into a national project to hide the fiscal deficit.

With the government spending 160 trillion won, the Human New Deal 26.6 trillion won has the highest increase of 50 trillion won, and the 42.6 trillion won in the regionally balanced New Deal is expanded to 62 trillion won.

The increase in government spending increased from 44.8 trillion won to 49 trillion won in the Digital New Deal, a central project last year, and 42.7 trillion won to 61 trillion won in the Green New Deal.

The 'Youth Policy', a new project of the New Deal Fund, was applied in response to expanding household loans by expanding savings incentives.

The expansion of monthly rent loan with guarantee for youth expands the base income from 20 million won to 50 million won to maximize the demand for jeonse and implement a monthly rent-free loan for young people.

The 'Youth Savings Account' is a state-funded account in which the government pays 3.6 million to 1,080,000 won, one to three times the national budget, after saving 3.6 million won for 3 years by 100,000 won a month on annual income of 22 million won or less.

The Bank of Korea's household loan count increased by 41.6 trillion won in the first half of the year (January to June), the highest in history, it was announced on the 14th that most of it was due to the increase in demand for funds for housing sales and rental transactions and living expenses.

Household loans increased by 10.1 trillion won in the entire financial sector last month (June), home mortgage loans increased by 6.3 trillion won, and credit loans (other loans) increased by 3.7 trillion won.

As for corporate loans, small and medium-sized enterprises (including individual business owners) increased by 6.1 trillion won in June, but large companies decreased by 1.1 trillion won, indicating a boom in the capital of large corporations.

According to the Financial Supervisory Service statistics, the delinquency rate for loans to large corporations (0.38%) in May fell by 0.01%p from the previous month, the delinquency rate for loans to SMEs (0.42%) rose by 0.02%p, and the delinquency rate for loans to households (0.20%) rose by 0.01%p from the previous month. Households and private businesses of small and medium-sized corporations have shown pressure on delinquency rates.

In the fund economy that led the early recovery of the corona virus, the net assets of public offering funds increased by 38.4 trillion won (14.0%) to 313.1 trillion won in the first half of this year compared to last year, while private equity funds increased by 34.8 trillion won (7.9%) to 477.5 trillion won.

The fund economy was led by private equity funds in the early stages of the Moon Jae-in administration, showing a rapid annual growth rate of over 10% for three years from 2017 to 2019, and net assets increased by 6.3% last year.

The Financial Investment Association's 'fund market in the first half of 2021' showed an inflow of 45.7 trillion won to funds and an increase of 9.4 trillion won (10.3%) to equity funds for a total of 100.1 trillion won and bond funds 132.8 trillion won to 14 trillion won. An increase of 900 billion won (12.6% growth rate) and 23.3 trillion won of bond-type funds showed a super boom with an increase of 7.1 trillion won (44.0%).

Household loan, increase in national budget, national project, new deal fund, Moon Jae-in, polarization, delinquency rate, youth incentives, youth policy, fund economy