<div></div> <div><span style="color:#6d6d6d;font-family:'돋움';text-align:justify;">(출처 : </span><font color="#6d6d6d" face="돋움"><a target="_blank" href="http://blog.naver.com/gobal_univ">http://blog.naver.com/gobal_univ</a>)</font></div> <div><font color="#6d6d6d" face="돋움"><br></font></div> <div><span style="color:#6d6d6d;font-family:'돋움';text-align:justify;">어제 금융위는 새해 업무보고 중 서민</span><span lang="en-us" style="color:#6d6d6d;letter-spacing:0pt;text-align:justify;font-family:NanumGothic;">, </span><span style="color:#6d6d6d;font-family:'돋움';text-align:justify;">취약계층 금융지원 확대방안의 일환으로 </span><u style="color:#6d6d6d;font-family:'돋움';text-align:justify;"><span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;font-weight:bold;">'</span></u><u style="color:#6d6d6d;font-family:'돋움';text-align:justify;"><span style="font-weight:bold;">대학생</span></u><u style="color:#6d6d6d;font-family:'돋움';text-align:justify;"><span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;font-weight:bold;">, </span></u><u style="color:#6d6d6d;font-family:'돋움';text-align:justify;"><span style="font-weight:bold;">청년을 위한 햇살론</span></u><u style="color:#6d6d6d;font-family:'돋움';text-align:justify;"><span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;font-weight:bold;">'</span></u><span style="color:#6d6d6d;font-family:'돋움';text-align:justify;">을 내놓기로 했습니다</span><span lang="en-us" style="color:#6d6d6d;letter-spacing:0pt;text-align:justify;font-family:NanumGothic;">. </span><span style="color:#6d6d6d;font-family:'돋움';text-align:justify;">대학생</span><span lang="en-us" style="color:#6d6d6d;letter-spacing:0pt;text-align:justify;font-family:NanumGothic;">, </span><span style="color:#6d6d6d;font-family:'돋움';text-align:justify;">청년 햇살론은 미소금융재단과 신용회복위원회를 통해 받을 수 있고 종류는 생활자금 대출과 기존 고금리 대출을 저금리로 전환하는 대환대출이 있습니다</span><span lang="en-us" style="color:#6d6d6d;letter-spacing:0pt;text-align:justify;font-family:NanumGothic;">. </span><span style="color:#6d6d6d;font-family:'돋움';text-align:justify;">그 외에도 현재 대학생 대상으로만 진행중인 신용회복지원 프로그램의 대상을 </span><span lang="en-us" style="color:#6d6d6d;letter-spacing:0pt;text-align:justify;font-family:NanumGothic;">20</span><span style="color:#6d6d6d;font-family:'돋움';text-align:justify;">대 미취업자까지 확대하는 계획을 발표했습니다</span><span lang="en-us" style="color:#6d6d6d;letter-spacing:0pt;text-align:justify;font-family:NanumGothic;">.</span><span style="color:#6d6d6d;font-family:'돋움';text-align:justify;"></span> <p style="margin:0px;padding:0px;color:#6d6d6d;font-family:'돋움';text-align:justify;"> </p> <p style="margin:0px;padding:0px;color:#6d6d6d;font-family:'돋움';text-align:justify;"> </p> <div style="color:#6d6d6d;font-family:'돋움';text-align:justify;"> <table class="__se_tbl_ext" style="border-collapse:collapse;border:medium none;"><tbody><tr><td valign="top" style="border:1px solid rgb(0,0,0);padding:0pt;width:451.3pt;height:400.05pt;"> <p style="margin:0px;padding:0px;line-height:1.5;"><span style="letter-spacing:0pt;">​</span></p> <p style="margin:0px;padding:0px;line-height:1.5;"><span style="letter-spacing:0pt;">●</span>생활자금 대출</p> <p style="margin:0px;padding:0px;line-height:1.5;"><span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">-</span>대상 <span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">: </span>저소득<span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">, </span>저신용 대학생 및 <span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">20</span>대 청년층</p> <p style="margin:0px;padding:0px;line-height:1.5;"><span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">-</span>금리 <span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">: 4~5%</span></p> <p style="margin:0px;padding:0px;line-height:1.5;"><span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">-</span>한도 <span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">: 800</span>만원</p> <p style="margin:0px;padding:0px;line-height:1.5;"><span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">-</span>거치기간 <span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">: </span>졸업시까지<span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">(4+</span>군복무기간 <span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">2</span>년<span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">)</span></p> <p style="margin:0px;padding:0px;line-height:1.5;"><span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">-</span>상환기간 <span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">: 5</span>년</p> <p style="margin:0px;padding:0px;line-height:1.5;"><span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">-</span>비교</p> <p style="margin:0px;padding:0px;line-height:1.5;text-align:center;"></p> <table style="border-collapse:collapse;border:medium none;"><tbody><tr><td valign="top" style="border:1px solid rgb(0,0,0);padding:0pt;width:60.95pt;height:28.8pt;background:#ffff94;"> <p style="margin:0px;padding:0px;line-height:1.5;"> </p></td> <td valign="top" style="border:1px solid rgb(0,0,0);padding:0pt;width:121pt;height:28.8pt;background:#ffff94;"> <p style="margin:0px;padding:0px;line-height:1.5;text-align:center;">한국장학재단</p> <p style="margin:0px;padding:0px;line-height:1.5;text-align:center;">생활비대출</p></td> <td valign="top" style="border:1px solid rgb(0,0,0);padding:0pt;width:131.95pt;height:28.8pt;background:#ffff94;"> <p style="margin:0px;padding:0px;line-height:1.5;text-align:center;">대학생<span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">,</span>청년을 위한</p> <p style="margin:0px;padding:0px;line-height:1.5;text-align:center;">햇살론</p></td> <td valign="top" style="border:1px solid rgb(0,0,0);padding:0pt;width:104.65pt;height:28.8pt;background:#ffff94;"> <p style="margin:0px;padding:0px;line-height:1.5;text-align:center;">민간금융대출</p></td></tr><tr><td valign="top" style="border:1px solid rgb(0,0,0);padding:0pt;width:60.95pt;height:16.35pt;background:#ffff94;"> <p style="margin:0px;padding:0px;line-height:1.5;text-align:center;">대출 대상</p></td> <td valign="top" style="border:1px solid rgb(0,0,0);padding:0pt;width:121pt;height:16.35pt;"> <p style="margin:0px;padding:0px;line-height:1.5;text-align:center;">대학생</p></td> <td valign="top" style="border:1px solid rgb(0,0,0);padding:0pt;width:131.95pt;height:16.35pt;"> <p style="margin:0px;padding:0px;line-height:1.5;text-align:center;"><span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">20</span>대 청년층<span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">(</span>대학생포함<span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">)</span></p></td> <td valign="top" style="border:1px solid rgb(0,0,0);padding:0pt;width:104.65pt;height:16.35pt;"> <p style="margin:0px;padding:0px;line-height:1.5;text-align:center;"><span style="letter-spacing:0pt;">ㆍ</span></p></td></tr><tr><td valign="top" style="border:1px solid rgb(0,0,0);padding:0pt;width:60.95pt;height:15.8pt;background:#ffff94;"> <p style="margin:0px;padding:0px;line-height:1.5;text-align:center;">대출 금리</p></td> <td valign="top" style="border:1px solid rgb(0,0,0);padding:0pt;width:121pt;height:15.8pt;"> <p style="margin:0px;padding:0px;line-height:1.5;text-align:center;"><span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">2.9%</span></p></td> <td valign="top" style="border:1px solid rgb(0,0,0);padding:0pt;width:131.95pt;height:15.8pt;"> <p style="margin:0px;padding:0px;line-height:1.5;text-align:center;"><span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">4~5%</span></p></td> <td valign="top" style="border:1px solid rgb(0,0,0);padding:0pt;width:104.65pt;height:15.8pt;"> <p style="margin:0px;padding:0px;line-height:1.5;text-align:center;">최대 <span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">20~30%</span></p></td></tr><tr><td valign="top" style="border:1px solid rgb(0,0,0);padding:0pt;width:60.95pt;height:15.8pt;background:#ffff94;"> <p style="margin:0px;padding:0px;line-height:1.5;text-align:center;">대출 금액</p></td> <td valign="top" style="border:1px solid rgb(0,0,0);padding:0pt;width:121pt;height:15.8pt;"> <p style="margin:0px;padding:0px;line-height:1.5;text-align:center;"><span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">200~300</span>만 원</p></td> <td valign="top" style="border:1px solid rgb(0,0,0);padding:0pt;width:131.95pt;height:15.8pt;"> <p style="margin:0px;padding:0px;line-height:1.5;text-align:center;">최대 <span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">800</span>만원</p></td> <td valign="top" style="border:1px solid rgb(0,0,0);padding:0pt;width:104.65pt;height:15.8pt;"> <p style="margin:0px;padding:0px;line-height:1.5;text-align:center;"><span style="letter-spacing:0pt;">ㆍ</span></p></td></tr></tbody></table><p style="margin:0px;padding:0px;line-height:1.5;"></p> <p style="margin:0px;padding:0px;line-height:1.5;"> </p> <p style="margin:0px;padding:0px;line-height:1.5;"><span style="letter-spacing:0pt;">●</span>대환대출</p> <p style="margin:0px;padding:0px;line-height:1.5;"><span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">-</span>대상 <span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">: </span>기존의 고금리 대출이 있는 <span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">20</span>대</p> <p style="margin:0px;padding:0px;line-height:1.5;"><span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">-</span>금리 <span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">: 5.5%</span></p> <p style="margin:0px;padding:0px;line-height:1.5;"><span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">-</span>대출한도 <span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">1000</span>만 원</p> <p style="margin:0px;padding:0px;line-height:1.5;"><span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">-</span>거치기간 <span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">: 4+2</span>년<span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">(</span>군복무 기간<span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">)</span></p> <p style="margin:0px;padding:0px;line-height:1.5;"><span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">-</span>상환기간 <span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">: </span>취업 후</p> <p style="margin:0px;padding:0px;line-height:1.5;"> </p> <p style="margin:0px;padding:0px;line-height:1.5;"><span style="letter-spacing:0pt;">●</span>대학생<span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">, </span>청년 대상 신용회복 지원</p> <p style="margin:0px;padding:0px;line-height:1.5;"><span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">-</span>지원대상 <span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">: 90</span>일 이상 연체중인 미취업 청년층</p> <p style="margin:0px;padding:0px;line-height:1.5;"><span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">-</span>대출액 감면율 <span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">: </span>최대 <span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">60%</span></p> <p style="margin:0px;padding:0px;line-height:1.5;"><span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">-</span>채무 상환 유예기간 <span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">: (</span>미취업의 경우<span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">) </span>졸업후 <span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">4</span>년까지</p></td></tr></tbody></table></div> <p style="margin:0px;padding:0px;color:#6d6d6d;font-family:'돋움';text-align:justify;"> </p> <p style="margin:0px;padding:0px;color:#6d6d6d;font-family:'돋움';text-align:justify;"><span style="color:#ffffff;font-weight:bold;background-color:#ffa700;">대학생</span><span style="letter-spacing:0pt;color:#ffffff;font-weight:bold;background-color:#ffa700;">ㆍ</span><span style="color:#ffffff;font-weight:bold;background-color:#ffa700;">청년을 위한 햇살론이 마냥 좋지만은 못한 이유 </span><span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;color:#ffffff;font-weight:bold;background-color:#ffa700;">: </span><span style="color:#ffffff;font-weight:bold;background-color:#ffa700;">빚내어라</span><span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;color:#ffffff;font-weight:bold;background-color:#ffa700;">, </span><span style="color:#ffffff;font-weight:bold;background-color:#ffa700;">청춘</span><span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;color:#ffffff;font-weight:bold;background-color:#ffa700;">!</span></p> <p style="margin:0px;padding:0px;color:#6d6d6d;font-family:'돋움';text-align:justify;"> </p> <p style="margin:0px;padding:0px;color:#6d6d6d;font-family:'돋움';text-align:justify;"><span lang="en-us" style="font-style:italic;font-family:NanumGothic;letter-spacing:0pt;">"</span><span style="font-style:italic;">대학생 절반 이상</span><span lang="en-us" style="font-style:italic;font-family:NanumGothic;letter-spacing:0pt;">, 1</span><span style="font-style:italic;">학기 등록금 대출</span><span lang="en-us" style="font-style:italic;font-family:NanumGothic;letter-spacing:0pt;">"</span></p> <p style="margin:0px;padding:0px;color:#6d6d6d;font-family:'돋움';text-align:justify;"><span lang="en-us" style="font-style:italic;font-family:NanumGothic;letter-spacing:0pt;">"</span><span style="font-style:italic;">저소득층 국가장학금 탈락이유 </span><span lang="en-us" style="font-style:italic;font-family:NanumGothic;letter-spacing:0pt;">88% </span><span style="font-style:italic;">성적기준</span><span lang="en-us" style="font-style:italic;font-family:NanumGothic;letter-spacing:0pt;">"</span></p> <p style="margin:0px;padding:0px;color:#6d6d6d;font-family:'돋움';text-align:justify;"><span lang="en-us" style="font-style:italic;font-family:NanumGothic;letter-spacing:0pt;">"</span><span style="font-style:italic;">학점 낮추려는 대학 </span><span lang="en-us" style="font-style:italic;font-family:NanumGothic;letter-spacing:0pt;">vs </span><span style="font-style:italic;">학점 높이려는 학생</span><span lang="en-us" style="font-style:italic;font-family:NanumGothic;letter-spacing:0pt;">"</span></p> <p style="margin:0px;padding:0px;color:#6d6d6d;font-family:'돋움';text-align:justify;"><span lang="en-us" style="font-style:italic;font-family:NanumGothic;letter-spacing:0pt;">"</span><span style="font-style:italic;">서울지역 청년실업 전년보다 </span><span lang="en-us" style="font-style:italic;font-family:NanumGothic;letter-spacing:0pt;">20.5% </span><span style="font-style:italic;">증가한 </span><span lang="en-us" style="font-style:italic;font-family:NanumGothic;letter-spacing:0pt;">24</span><span style="font-style:italic;">만 </span><span lang="en-us" style="font-style:italic;font-family:NanumGothic;letter-spacing:0pt;">1</span><span style="font-style:italic;">천명</span><span lang="en-us" style="font-style:italic;font-family:NanumGothic;letter-spacing:0pt;">"</span></p> <p style="margin:0px;padding:0px;color:#6d6d6d;font-family:'돋움';text-align:justify;"> </p> <p style="margin:0px;padding:0px;color:#6d6d6d;font-family:'돋움';text-align:justify;">저소득층의 경우 보통 중산층보다 국가장학금 수혜율이 낮고 저소득층의 국가장학금 탈락이유의 <span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">88%</span>는 성적미달입니다<span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">.</span></p> <p style="margin:0px;padding:0px;color:#6d6d6d;font-family:'돋움';text-align:justify;"> </p> <p style="margin:0px;padding:0px;color:#6d6d6d;font-family:'돋움';text-align:justify;">더군다나 올해부터 시행되는 대학구조개혁 평가에 의해 모든 대학들은 어떻게 해서든 학점을 낮추려고 합니다<span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">. </span>학점관리 부분은 대학재정을 투입하지 않아도 평가지표를 개선할 수 있기 때문입니다<span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">. A, B</span>학점의 비율이 낮아진다는 것은 성적기준이 있는 국가장학금에서 탈락하게 될 사람들이 늘어난다는 말과 같습니다<span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">.</span></p> <p style="margin:0px;padding:0px;color:#6d6d6d;font-family:'돋움';text-align:justify;"> </p> <p style="margin:0px;padding:0px;color:#6d6d6d;font-family:'돋움';text-align:justify;">어떻게든 취업을 위해서 대학을 다녀야 하고<span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">, </span>대학을 다니기 위해서 국가장학금에 탈락하거나 적은 금액을 지원받았을 경우에는 아마 정부의 햇살론을 이용하게 될 수 있습니다<span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">. </span>확실히 대부업체의 금리보다 낮기 때문이죠<span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">. </span>하지만 빚내서 대학다니고<span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">, </span>취업 준비하는 것이 대학생<span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">, </span>청년문제 해결에 근본적인 방법일지는 의문입니다<span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">.</span></p> <p style="margin:0px;padding:0px;color:#6d6d6d;font-family:'돋움';text-align:justify;"> </p> <p style="margin:0px;padding:0px;color:#6d6d6d;font-family:'돋움';text-align:justify;">빚내서 낼 수 밖에 없을 정도로 아직까지 비싼 등록금<span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">, </span>받기 힘든 국가장학금<span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">, </span>취업준비기가 점점 길어지는 청년실업난<span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">. </span>결국 대출 받은 돈은 갚아야하는 시기가 다가옵니다<span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">. </span>이자까지 쳐서<span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">.</span></p> <p style="margin:0px;padding:0px;color:#6d6d6d;font-family:'돋움';text-align:justify;"> </p> <p style="margin:0px;padding:0px;color:#6d6d6d;font-family:'돋움';text-align:justify;">정부의 햇살론 정책은 마치 오랜 목마름 끝에 발견한 바닷물과 같습니다<span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">. </span>당장 목마름 때문에 먹을까 싶지만 정작 마신다고 실제 목마름이 해갈되지는 않습니다<span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">. </span>오히려 지나치게 마실 경우 독약이 되고 맙니다<span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">. </span>진짜 대학생<span style="letter-spacing:0pt;">ㆍ</span>청년의 목마름을 해결하기 위한 정책은 어떻게 해야 나올 수 있을까요<span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">. </span>대학고발자는 문득 이런 말이 떠오릅니다<span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">. </span>목마른 이가 우물을 판다는<span lang="en-us" style="font-family:NanumGothic;letter-spacing:0pt;">-</span></p> <div class="autosourcing-stub-extra" style="line-height:1.5;"> <p style="margin:11px 0px 7px;padding:0px;line-height:1.5;font-family:Dotum;"><strong style="padding:0px 7px 0px 0px;">[출처]</strong> <a target="_blank" href="http://blog.naver.com/gobal_univ/220256627652" target="_blank" style="text-decoration:none;">금융위의 대학생, 청년 대상 햇살론 도입이 무조건 기쁘지만 않는 이유</a><span style="padding:0px 7px 0px 5px;">|</span><strong style="padding:0px 7px 0px 0px;">작성자</strong> <a target="_blank" href="http://blog.naver.com/gobal_univ" target="_blank" style="text-decoration:none;">대학고발자</a></p></div> <p></p></div>