<Anchor>

Reporter Kwon Aeri is a friendly economist. Reporter Kwon, the financial authorities have issued guidelines on various issues related to corona19, frugal life, and various economic problems?

<Reporter>

Yes. Complaints and consultations that have been in the Financial Supervisory Service so far have been compiled together to create guidelines.

You can see it on the website of the Financial Supervisory Service, but it is not explained in detail one by one because there have been various situations recently.

So, today (10th), I have selected a few things that I would like to explain a little more.

First, I went to a hypermarket, and I think I was exposed to Corona 19. If you can claim damages in the mart, some of the articles came out yesterday that you could be compensated.

However, the correct answer is 'three'. Because it is correct to think that it is almost difficult to actually receive compensation for damages.

<Anchor>

It's not an X, but a triangle means you can receive it, but please explain in more detail in what case.

<Reporter>

Once I was exposed to Corona 19 in a large business like Mart, I suffered various losses.

In this case, the principle guided by the Financial Supervisory Service is that the liability should be recognized in the business liability insurance to which a large mart is affiliated. The principle is that.

But who has the responsibility to prove that I've been responsible for that damage and it's because of the mart?

It would be too difficult for me to prove it. Of course, the confirmer came to the mart, but I and Dong-seon overlapped. You can still grasp that.

However, at this time, because the mart neglected management, and the mart did not provide the level of protection that is normally required, as a result, I was exposed to the virus. Normally, the compensation policy should prove this. It's not really easy and it's very likely that it won't be judged like that.

But why did you say it's a tax, and it's usually a big business, a big business, to take what's called business compensation insurance. There are quite a number of places where large companies add to this insurance as a special condition called `` insurance treatment on site ''.

This is a condition that allows neither the karma nor the customer to go wrong, but in the event that a customer accidentally injures at the karma, he / she can pay for treatment within a prescribed limit of several hundred thousand won to one million won.

If you can get insurance with Corona 19, you're much more likely to be here. It's not reparation. So I said it was a triangle.

However, the corona crisis is unprecedented. You don't fall or get injured, the principle is similar to that of a cold.

So, if there is a case in the future or someone claims the insurance, the review will start from then on. This is actually the most accurate.

<Anchor>

Then it would not be easy if you visited a place that did not have the insurance you mentioned and got caught. Should I think like this?

<Reporter>

It is likely not. Because, in that case, I would like to blame. Then you have to file a lawsuit against the business.

I have to prove that I have been exposed to Corona 19 due to the poor management of the establishment, not just the overlap between the confirmer and the line.

Moreover, such a lawsuit is unprecedented. There are no past examples of what you can predict. So in this case, it would be a bit difficult in reality.

You can find useful answers to a wider variety of cases by typing Financial Supervisory Service in the portal search box or by typing the subtitle address now.

One important thing is that we are struggling with Corona 19, so the guidance on when to be able to defer repayment of loans is now on the Financial Supervisory Service page until April 1st.

So it is said that household loans cannot be put off, but this is not accurate information. If you guide us to useful sites, there are a lot of people who go right in and look at it.

New guidelines were issued this week that it is possible to defer the repayment of principals to household loans from self-employed people as well as some individual debtors. It becomes an individual.

This should be the case when Corona19 has reduced income and suddenly faced a delinquency crisis. It is limited to policy loans such as Sunshine Loan and credit loans.

Minus bankbook and card loan are likely to be included. Interest must continue to be paid. Only the principal is postponed.

You can apply for a deferral to the financial company that I borrowed from, but if this person's income suddenly subtracts his living expenses, he or she will be less than the principal paid back every month. You can apply from the end of this month.