Close

Support Global Voices

To stay independent, free, and sustainable, our community needs the help of friends and readers like you.

Donate now »

See all those languages up there? We translate Global Voices stories to make the world's citizen media available to everyone.

Learn more about Lingua Translation  »

Korea: Loan Companies and Advertising

From some time, advertisements for personal loan companies have appeared in TV, magazines, and newspapers in Korea. Famous entertainers showed their faces in these advertisements. It took time for people to figure out what kind of advertisements they are, but they are now among the most common.

Recently, the decisions of celebrities who sponsor personal loan companies have been harshly blamed in public because some borrowers have gone bankrupt since they couldn’t afford the high interest and some of them used money without fully understanding those companies. The sponsors are criticized because they lend credibility to the companies and, as a result, people are led to make poor decisions.

In order to keep their image, some of the celebrity-sponsors asked companies to stop advertisements and returned their earnings. Others apologized for their thoughtless decision to appear in such an advertisement in public. In contrast to those, one of the entertainers has recently appeared in the advertisement of a personal loan company, joined by his wife. He said that he is not going to give up the advertisement and is not shamed of his decision.

His behavior angered some bloggers.

대부업체 광고를 하는 연예인들은 시청자들에게 가장 신뢰를 받고 친근하며 믿음가는 인물들이다.
그런 연예인들이 팬들로 받은 인기를 악용해 무보증… 무담보… 무이자… 신용조회없이 대출가능… 30분내 대출… 대출을 쇼핑처럼 쉽고 빠르게… 을 외치며 전면에 나서고 있다 오늘 또 연예계에서나 사회적으로나 가장 모범이 되어야 할 이시대 최고의 터프가이 최민수가 팬들과 국민의 사랑을 가차없이 저버리고 그간 쌓아온 명예와 시청자들의 사랑보단 돈은 택한것이다.

물론 본인은 불법 광고도 아닌데 어떠냐 할수있다. 하지만 그건 요즘 돌아가는 사회적 분위기를 읽지못하고 하는 소리다. 결국 광고 속과 현실은 너무 동떨어져 있다. 대부업은 등록제로 합법적으로 운영되고 있지만 양의탈을 쓴 늑대다. ‘고리대금’ ‘사채’라는 부정적 이미지가 강하고 실제로 무분별한 대출로 피해를 입은 사례도 부지기수다. 우리 서민 경제에 얼마나 악영향을 끼치고 있는지 알면 그리고 본인이나 본인의 지인들이 그(대부) 늪에 빠져
허부적 거리고 당하고 있다면 감히 불법, 합법을 논하지 못할것이며 이처럼 당당해 지지 못할것이다.

아마 남의 일이라 생각하니 쉽게 생각했을거다. 돈을 택하면서 최민수는 이렇게 말했다
“사과하고 싶지 않다..”
‘사과하고 싶지 않다'는 최민수의 말은 한마디로 팬들과 시청자들을 깔보고 한 소리다. 다시 말하면 돈을 크게버는데 팬이욕하던 시청자가 비난하던 국민이 비판하던 그건 잠깐이고 그깐 욕을 얼마든지 먹을수있고 당당하게 버텨보겠다는 듯한 말투이다. 그 터프함을 엉뚱한데까지 쓰다보니 이런 망언이 서슴없이 나온것이다. 암튼 최민수 말대로 정말 시간가면 잊혀질지 두고볼 일이다..

돈에 명예까지 팔아먹은 연예인들… 이제 그들은 더이상 팬들과 시청자들의 가슴속에 없다.

Celebrities appearing in advertisements for personal loan companies are those who are trusted and friendly the most. But they abuse their popularity by sponsoring loans without collateral, no interest, accessible in half an hour… fast and easy like shopping… they are shouting these words. Kim (pseudonym) who is regarded as the toughest guy betrayed his fans’ love and chose money rather then his credit and fans’ expectation. He could say it’s not an illegal advertisement. But he should recognize the atmosphere of the current society. Advertisement and reality are so different. Personal loan companies seem to be managed legally, but they’re wolves pretending to be lambs.
Usury, personal debt.. they have negative images and there are numerous cases where people got victimized. If he knew how badly they affect the economy and if he has been victimized, he could not have said that. He must have thought of it as others’ matters. He chose money and said, “I don’t want to apologize it.” What he said means that he disregards his fans. What he said in the interview was that he doesn’t care about how much he would be blamed. Right… like he said, it will be forgotten in our mind later. Let’s see. Entertainers selling their reputation for money. They’re not in our hearts anymore.

Not all bloggers agree with him.

왜 연예인들의 사채광고가 문제인가.
대부업자들이 애들한테 돈 빌려줄 리는 없을 테고
독립적 법률행위를 할 수 있는 성인들에게만 빌려주는 걸로 아는데
문제의 본질은 연66% 라는 대부업법과애들 보는 투니버스 채널에서 사채광고 하는 게 문제인거다.

사채광고가 서민의 피를 빨아먹는다고?

사채도 돈 막 빌려주는거 아니다. 값을 능력만큼만 빌려준다.

당신들은 성인이다. 연66%라는 것은 언론이고 뭐고 다 떠들어서
알고들 계실 것이고 성인이라면 연66%에 대한 이자계산쯤은 다들 하실 테고
법적대리인이 없어도 독립적 법률행위를 할 수 있는 나이란 말이다.
스스로 판단해서 행동할 수 있는 게 어른이다. 판단력 부족을 남 탓 하지 마라.

사채광고 때문에 사채를 쓴다는 건 말도 안 된다.
사채광고 연예인 비판 때문에 문제의 본질이 가려지고 있다…

그렇게 따질 것 같으면 주류광고도 나쁘고 담배광고도 나쁘고 과자광고도 나쁜 거다.

Why is the advertisement problematic? Loan dealers would not lend money to children. I understand that they lend money to an adult who can conduct legal actions independently.
The main problems are the 66 percent interest rate law on personal loan and that the advertisements for personal loan companies appeared on a kids’ TV channel. Are those advertisements sucking citizens’ blood out? They don’t lend money randomly. They lend the money to people who are able to pay back. You’re adults. Media is busy to loudly talk about 66 percent annual interest. It’s not hard to understand how high it is as independent adults. You’re the adults who are able to judge and to behave independently. Don’t blame others with your lack of the judgment. It’s absurd that you say you’re using personal loans because of those advertisements and entertainers.
If you would like to distinguish between right and wrong, then you should also talk about other advertisements. Drinking advertisements are bad, smoking advertisements are bad, and snack advertisements are bad.

Another blogger talks about how ridiculous those advertisements are and how dangerous they are,

청소년들이 TV앞에 앉아 있을 시간에 TV에서는 돈을 빌려서 독립을 하여 따로 살림을 차리겠다는 자식에게 훌륭하고 탁월한 선택을 했다고 칭찬을 해 주는 광고가 버젓이 흘러나온다. 청소년들에게 나중에 나이 먹거든 돈을 빌려서라도 독립을 하는 것이 탁월한 선택이라고 교육을 하는 것이다.

끔찍한 사고를 당해 수술대에 누워있는 환자를 앞에 두고 빌려간 돈 갚으라고 말하는 의사가 나온다. 더 가관인 것은 산소마스크를 쓰고 있던 환자가 돈 얘기는 대출회사에 가서 하라고 한다. 대출회사에서 무든 것을 알아서 처리해 줄 것처럼 말이다.

훤칠한 선남선녀가 멋진 옷을 입은 채 상당히 네가지 없는 모양새로 다리 꼬고 앉아 있다. 의류 광고가 아니라 폼나게 돈 빌리는 광고란다. 돈 빌리면 저렇게 폼이 난다라고 소비자들을 유혹한다.

국민의 10% 이상이 폐암이나 간암에 걸리지 않았을 뿐만 아니라 흡연이나 음주로 말미암아 건강에 심각한 영향을 받은 국민은 전체 국민의 0.1%에도 못 미친다는 사실이다. 그와 반대로 돈장사의 상품을 이용하여 생활을 하다 경제적 사망선고를 받은 국민의 숫자는 어떠한가? 자그마치 400만이다.
국민의 0.1%에도 못 미치는 숫자가 고통을 받는 것 때문에 철저한 규제를 당하는 것이 술이나 담배라면 국민의 10%에 가까운 숫자가 고통을 받고 있는 돈장사의 신용상품은 마약이나 불량식품처럼 아예 판매를 금지시켜야 하는 것 아닌가?

When teenagers are usually watching TV, the TV screen shows an advertisement in which a son announced he will be independent from his family at the dinner table. Being upset with his announcement, his father asks and the son explains he will be independent with a personal loan. His parents compliment him. It teaches that it is a good choice to be independent even though you have to borrow money.

Another advertisement shows a doctor demanding money from a patient lying in the surgery room. The patient wearing the oxygen mask answers that he should ask a personal loan company. It shows that the personal loan company can solve any kind of problem.

Good-looking men and women sat crossing their legs with cool clothes. It’s not a clothing advertisement. It’s an advertisement to seduce the customers that if you borrow money, you can look like them.

People who are seriously affected by drinking and smoking are less than 0.1 percent. On the contrary, what number of people has been economically sentenced to death due to personal loans? It is 4 million. Due to this 0.1 percent, drinking and smoking are seriously controlled. How about this personal loan that causes more than 10 percent of Koreans to suffer? Don’t we have to prohibit it like drugs and poor quality foods?

Start the conversation

Authors, please log in »

Guidelines

  • All comments are reviewed by a moderator. Do not submit your comment more than once or it may be identified as spam.
  • Please treat others with respect. Comments containing hate speech, obscenity, and personal attacks will not be approved.

Receive great stories from around the world directly in your inbox.

Sign up to receive the best of Global Voices!

Submitted addresses will be confirmed by email, and used only to keep you up to date about Global Voices and our mission. See our Privacy Policy for details.

Newsletter powered by Mailchimp (Privacy Policy and Terms).

* = required field
Email Frequency



No thanks, show me the site