수원성범죄전문변호사 보험상품 판매 시 설계사에게 지급되는 수수료가 최대 7년에 걸쳐 분할지급되는 형태로 바뀐다. 계약 초기 수수료를 한꺼번에 받은 뒤 ‘보험 갈아타기’를 유도, 소비자 피해를 일으키는 사례를 방지하기 위한 조치다.
금융위원회는 14일 정례회의를 열고 보험 계약 유지율을 높이기 위한 방향을 담은 보험업감독규정 개정안을 의결했다고 밝혔다.
개정안에는 보험계약 초기 보험사가 설계사에게 주는 판매수수료를 최대 7년간 나눠 내도록 유도하는 방안이 담겼다. 선지급 수수료와 별도로 분할 지급되는 유지관리 수수료를 신설, 계약 유지관리에 대한 대가로 지급하는 내용이다. 계약유지 5~7년차에는 장기유지관리 수수료도 추가로 지급, 유지 기간이 길수록 설계사의 이득이 많아지도록 설계했다.
이는 수수료 지급 구조로 인해 보험계약 유지 비율이 해외에 비해 과도하게 낮다는 지적에 따른 것이다.
그간 보험상품이 판매되면 보험사는 설계사에 수수료 대부분을 선지급해왔으나 일부 설계사들은 계약을 유지하기보다 고객에게 ‘갈아타기’를 권유해 실적을 높이려는 모습을 보였다.
또한 개정안에는 지급수수료의 1200%룰을 보험대리점(GA) 소속 설계사까지 확대하는 내용도 담겼다. 1200% 룰은 보험사가 설계사에게 계약 후 첫 1년간 지급할 수 있는 수수료 총액을 월 납입보험료의 12배(1200%) 이내로 제한하는 규제다.
과도한 선지급 수수료 경쟁으로 인한 불완전판매 등을 막고 보험업의 신뢰도를 높이기 위해 도입됐으나 보험사 전속 설계사들 위주로 적용돼 한계가 있었다.
금융당국은 이번 개정안을 오는 3월부터 순차적으로 시행할 예정이다.
여야가 13일 이혜훈 기획예산처 장관 후보자 인사청문회를 오는 19일 열기로 확정했다. 서울 초고가 아파트 부정 청약 등 이 후보자의 의혹들이 연이어 터지고 여론이 악화하자 더불어민주당 내에서도 방어하기 어렵다는 기류가 확산하고 있다.
국회 재정경제기획위원회는 이날 전체회의를 열어 오는 19일 오전 10시 이 후보자 인사청문회를 개최하는 실시계획서를 채택했다. 여야는 전날부터 이틀간 증인·참고인 명단을 협상한 끝에 증인 4명, 참고인 1명에 합의했다.
이 후보자의 아파트 부정 청약 의혹에 정수호 국토교통부 주택기금과장과 권오인 한국부동산원 청약시장관리부장, 증여세 미납 의혹에 오상훈 국세청 자산과세국장, 인천 영종도 땅 투기 의혹에 김동환 전 한국개발연구원(KDI) 연구원이 증인으로 채택됐다. 국회의원 시절 보좌직원 갑질에 대해선 손주하 서울 중구의원이 참고인으로 채택됐다.
공직 후보자 청문회는 통상적으로 야당이 공격하고 여당이 방어하는 식으로 진행되지만 이 후보자에 대해선 민주당 내에서도 비판하는 목소리가 크다. 청문회에 참여하는 재경위 소속 민주당 의원은 이날 기자와의 통화에서 “이 후보자에 대해 방어를 해 줄 생각이 없다”며 “그의 인생 자체가 이재명 정부의 경제 철학과 다른 데다 윤석열(전 대통령)을 옹호한 과거를 보면 민주주의자인지도 의심스럽다”고 말했다.
이 후보자는 2024년 부양가족 수를 부풀려 ‘로또 청약’으로 불리는 수십억원대 아파트 청약에 당첨됐다는 의혹을 받는다. 국회의원 시절 보좌직원에게 “똥오줌을 못 가리냐” 등 폭언하는 녹음도 공개됐다. 이 밖에도 자녀의 ‘아빠 찬스’ 논문 등 각종 의혹이 제기된 상태다. 한국갤럽이 지난 6~8일 전국 만18세 이상 1000명을 조사한 결과를 보면 이 후보자가 장관에 적합하다는 응답은 16%에 불과했다.
국민의힘은 인사청문회에서 이 후보자에 대해 전방위적 공세를 펼 것으로 보인다. 민주당도 시민 정서를 건드리는 부동산·갑질 의혹에 대해선 방어하기 곤혹스러운 표정이다.
민주당의 한 초선 의원은 “대통령의 통합 인사 취지는 이해하지만 이 정도로 일반 시민 감정과 차이가 크면 핵심 부처 장관을 시킬 수 있겠냐는 게 당의 분위기”라며 “야당이 공격하기 좋은 논란거리를 너무 많이 만들어 놨다”고 말했다. 한 중진 의원도 “우리는 신상보다 정책 중심으로 질문을 하겠지만 여당이라고 무조건 방어할 수는 없다”고 강조했다.
민주당의 다른 중진 의원은 “청문회에선 국민 눈높이에서 검증할 것이고 감싸주는 일은 없다”며 “이 후보자의 소명이 국민 눈높이에 맞지 않고 국민이 납득하지 못한다면 임명에 동의하기는 어렵지 않겠나”고 말했다. 이 대통령이 국민 통합을 명분으로 국민의힘 출신 이 후보자를 파격 기용한 것에 대해선 “국민의힘이 더 반대하는 걸 보면 통합의 효과는커녕 분열이 가속화되는 상황 아니냐”고 했다.
이석연 국민통합위원회 위원장은 이날 서울 중구 한국프레스센터에서 열린 관훈클럽 초청토론회에서 “내란 세력이나 내란 세력에 동조했던 사람들과는 같이 갈 수 없다. (이 후보자는) 통합의 대상은 아니다”라며 “스스로 물러나길 택하는 것이 좋다”고 말했다.
며칠째 강추위가 계속된 14일 인천 서구 경인아라뱃길에서 한국수자원공사 소속 쇄빙선이 뱃길을 내기 위해 얼음을 깨며 항해하고 있다.
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