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[앵커]
The government has announced that the card fee rate would be applied from next year.
In order to reduce the burden of the self-employed, we decided to raise the low preferential commission rate to franchisees whose annual sales are below KRW 500 million and located at KRW 3 billion.
Small and medium-sized traders have expressed their intention to host card company unions but are strongly opposed to the general strike.
Let's take a closer look with the Ministry of Economic Affairs.
This reporter, first, let me explain how to reduce the card fees announced by the government.
[기자]Yes, the government has announced that the card fee rate would be applied from next year.
The key is to bring the preferential commission rate to 3 billion won, which has only been applied to franchisees whose annual sales are less than 500 million won.
As a result, franchisees with annual sales between 500 million and 1 billion won pay an average commission of 2.05 percent, which is only 1.4 percent compared to next year. .
Franchisees ranging from 1 billion to 3 billion won are subject to a commission rate of 1.6%.
Most independent workers, such as convenience stores, bakeries and restaurants, should be here.
The government predicts that about 240,000 self-employed workers will benefit from a reduction in card fees.
It is estimated that this reduction effect will reduce the commission burden by W 520 billion per year and W W 2.14 million per franchisee.
[앵커]It was said that franchisees whose annual sales were less than 1 billion won had in fact lost their card fees.
Is that really what it is?
[기자]Yes, there is a card sales tax deduction that subtracts 1.3% of sales of VAT cards from independent businesses with annual sales below 1 billion won.
The limit is 5 million won.
The government and the ruling party have decided to extend this limit to 10 million won.
In this case, self-employed workers whose turnover is less than 1 billion won will be tax-deductible for most card sales.
1.4% are card fees, but 1.3% is taxed, so the burden is actually pbaded.
[앵커]The government also announced that it would induce fee reductions for relatively large merchants.
That's because of the marketing costs.
What are you going to do specifically?
[기자]Yes, card companies are increasing their marketing costs from year to year.
Last year, it is about 6 trillion won.
This includes additional service fees such as discounts, points and interest-free payments.
These benefits are mainly available when using a large business franchise.
However, most franchisees, including small and medium franchisees, share the costs.
However, in the case of large companies with large sales, the bargaining power is high, which further reduces the rate of card fees.
As a result, on the basis of an annual turnover of 50 billion won, the average franchise royalty of more than 50 billion won is 1.9%, which is less than 2.2%.
We will therefore reduce marketing expenses by less than 50 billion won and reduce the commission rate by 0.2 to 0.3 percentage points.
Instead, the government is of the opinion that it will charge corresponding fees for big traders with many benefits.
[앵커]It seems quite convincing that large franchised companies with many benefits pay more.
But the card companies are strongly against this part.
What is the reason?
[기자]In other words, it is not possible to increase the commission rate against large dealers who have strong bargaining power.
As a result, card companies charge statutory minimum fees for large merchants, as well as preferential rates for small and medium-sized merchants.
But this announcement was not made in this announcement.
The card companies claim that most credit card companies will be in deficit after next year if they apply the government's down payment plan.
Restructuring and reduction of benefits for the consumer.
[앵커]As you mentioned, there is a story that the benefits to users of the use of cards will be reduced in the future.
Since the reduction in the commission rate will apply from January of next year, will the profits decrease from next year?
[기자]This discount is actually more important than what the card companies were expecting.
The card companies are therefore in a situation where they have to save a lot of money in the future.
If this is the case, the benefits for the consumer will ultimately be reduced.
But I can not cut the benefits right away.
It seems to decrease gradually after next year.
[앵커]What is the reason?
[기자]First of all, to reduce the benefits, I have to change the conditions.
It takes time to change the terms.
Moreover, it is not possible to modify the conditions in force for less than three years.
It is therefore very likely that the new cards are on the market with reduced benefits.
The problem is that cardholders are concerned that if the benefits to the consumer are reduced, the situation may worsen.
Recently, other forms of payment, such as easy mobile payment, are rapidly gaining market share.
In the long term, it is possible to compete with existing card companies.
It is also feared that the card market will shrink itself if consumers reduce their benefits and increase annual fees in this situation.
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