[금일 금융권 주요기사] ‘Concentrating’ on Bitcoin and Tesla’s payment method…Household loans increased by 7.6 trillion in January despite’tightening’ the authorities

【Youth Daily】 Even with the financial authorities and banks ‘tightening household loans’, the rise in household loans did not significantly slow down, and household loans from banks rose close to 8 trillion won in January.

As the US electric car company Tesla announced that it would accept bitcoin payments when purchasing its electric car, attention is focused on the bitcoin payment method Tesla will adopt in the future.

The government plans to release stockpile oil when prices rise further due to shortage of crude oil stocks.

China’s new bank loans in January this year hit a record high monthly, fueled by seasonal demand ahead of the Lunar New Year holidays.

◆ Demand still remains despite’loans tightening’… Household loans increased by 7.6 trillion in January

According to the’Financial Market Trends in January’ announced by the Bank of Korea on the 10th, the bank’s household loan balance as of the end of last month was 99.6 trillion won, an increase of 7.6 trillion won from the end of last year.

Among them, mortgage loans (balance of 726 trillion and 900 billion won) rose 5 trillion won in a month, and other loans (balance of 268.66 trillion won), which are mostly credit loans, increased by 2.6 trillion won from December.

“In the case of home mortgage loans, the demand for housing sales and charter-related funds continued to increase, and the increase of other loans increased significantly after December,” said Yoon Ok-ja, deputy general manager of the Haneun Market Management Team. Explanation.

In addition, according to the’Household Loan Trends’ by the Financial Services Commission and the Financial Supervisory Service, the increase in household loans for not only banks but also the financial sector in January was 10 trillion and 1.1 trillion won, up 5 trillion won in mortgage loans and 3 trillion won in credit loans.

◆ China’s January new bank loan of 3,58 trillion yuan…”the highest ever”

Reuters reported on the 10th that Chinese banks’ new loans in January this year amounted to 3.5 trillion yuan (about 620 trillion won), citing data from the People’s Bank, the central bank of China.

This was over 3.34 trillion yuan (about 578 trillion won) in January of last year, and it was a record high in monthly new bank loans.

It is also said to be significantly larger than the new bank loan of 1.2 trillion yuan (about 218 trillion won) in December last year, a month ago.

Sena Wee Economist and Mark Williams Economist of Capital Economics, a UK market research firm, said, “In China, new bank loans are the most common in January.” They pointed out that new bank loans in January of this year increased from January of last year. .

◆ Hong Nam-ki “Promote the release of 100 million barrels of stockpiled oil in the event of a disruption in the supply and demand of crude oil”

Deputy Prime Minister Hong Nam-ki and Minister of Strategy and Finance held a meeting of the Central Central Countermeasure Headquarters for the Emergency Economy at the Government Complex in Seoul on the 10th and announced that “If there is a disruption in the supply and demand of domestic crude oil such as a decrease in private crude oil stocks, we will promote the release of about 100 million barrels of government reserves.

He said, “We are expanding financial support to securely secure imported grains such as wheat and soybeans, which are low in self-sufficiency,” he said. “We will also consider extending the refund of the burden of diversification of crude oil importers scheduled for sunset at the end of this year in order to diversify only crude oil imports.” .

In addition, the government releases inventory held by the Public Procurement Service (270,000 tons) and the Minerals Corporation (78,000 tons) when necessary for non-ferrous metals and rare metals, and further reduces credit release interest in the first half of the year to support liquidity for stockpiling companies. They are also promoting a plan.

Meanwhile, the government plans to open quarterly public-private councils for each raw material to strengthen monitoring of major raw material prices and supply and demand trends, and plans to reorganize the raw material early warning system by next year, specifying strategies for each phase of the raw material supply and demand crisis.

◆ New report “Strengthening support for non-financial sectors this year…Activating non-face-to-face consulting”

The Credit Guarantee Fund is said to strengthen support in non-financial sectors such as corporate consulting and job creation for small and medium-sized businesses in crisis due to Corona 19.

First, we plan to strengthen non-face-to-face consulting services such as one-on-one non-face-to-face video consulting and live briefing sessions, and to improve consulting quality by establishing an independent consulting system using internal and external big data.

In addition, Shinbo’s job platform,’Job Cloud,’ will be reorganized to strengthen its status as a recruitment portal exclusively for SMEs, while building a cooperative network to resolve the employment blind spot and support jobs for professionals.

In addition, the’Youth Mentoring Program’, which is conducted for social enterprises and community college students in Daegu, will also be promoted, and the growth engines of socially underprivileged companies will be strengthened by expanding collaborative consulting with social economy enterprise support centers and operating a startup school Called.

◆ Won-dollar exchange rate, 9.6 won down to 1,107 won

On the 10th, the day before the Lunar New Year holiday, the won-dollar exchange rate ended at 1,107 won per dollar, down 9.6 won from the previous day’s closing price.

The exchange rate started at 1,111 won, down 5.6 won from the previous day amid the global dollar’s weak trend, and later linked to the KOSPI, resulting in a decline.

Seungji Jeon, a researcher at Samsung Futures, explained, “A foreigner bought stocks, and the sales of dollars and ship orders that came out ahead of the Lunar New Year holidays acted as pressure to lower the exchange rate.”

◆ Tesla electric car’focused’ on bitcoin payment method

On the 9th (local time), Reuters reported that there are two possibilities: Tesla allows consumers to pay bitcoin through a third-party intermediary, or introduces its own payment system, citing the opinions of virtual currency experts.

First, one of the easiest ways Tesla introduces bitcoin payment in the current system is through an intermediary, where customers take out bitcoins from their electronic wallets and convert them to dollars at a third-party payment institution to purchase products. system.

There is also a strong prospect that Tesla will build a bitcoin payment system directly without going through an intermediary. This is because Tesla CEO Elon Musk is motivated to invest in bitcoin, and Tesla builds a bitcoin payment infrastructure. Because I have the technical expertise to do.

However, the problem lies in the volatility of bitcoin’s own value, and experts predict that solving volatility problems such as sharp price fluctuations will be the key to bitcoin settlement.

In addition, some experts predict that Tesla may not immediately convert bitcoins paid by customers for electric vehicle payments, taking into account the volatility of bitcoin.

◆ DB non-life insurance, last year’s net profit of 563.7 billion won… an increase of 47.5% compared to the previous year

DB Non-life Insurance announced on the 10th that the consolidated net income of last year was estimated at 563.7 billion won, up 47.5% from the previous year.

Operating profit was KRW 732.9 billion, a 43.2% increase from 2019, and total assets increased by KRW 4.2 trillion to KRW 60,515 billion.

DB Non-life Insurance analyzes that “operation performance improved as insurance operating profit increased due to a decline in the loss ratio of auto insurance and long-term insurance (the ratio of insurance premiums to premium income).”

On the other hand, DB Insurance’s dividend payout ratio is 26.2% and the dividend is 2,200 won per share.

DB Non-life Insurance explained, “In order to maintain a consistent dividend payout ratio in order to improve shareholder value, it was decided at 26.2%, the average of the previous three years (26.0%).”

◆ Cash out 170 billion won in card points a month

It is estimated that the number of card points that credit and debit card users visited in cash through the integrated card point inquiry and monetization service for a month amounted to KRW 16.9 billion.

The integrated card point inquiry and cash conversion is a service that allows you to search points scattered across multiple card companies at once and receive an account transfer in cash.

In the past, each credit card company had to install an app and go through the verification process, but the Financial Services Commission and the card business rights have joined forces so that you can conveniently search for scrap points and receive deposits in your own account.

The Financial Services Commission said on the 10th, “Considering the average annual average balance of 2.4 trillion won, many consumers will still be able to cash out points” and requested that they share the monetization method with family and relatives through text messages on mobile phones during the Lunar New Year holidays. .

◆ Gwanak-gu, Seoul, support for low-interest loans for small business owners and SMEs

Gwanak-gu, Seoul is said to lend’Small and Medium Business Development Fund’ at low interest to small businesses and small and medium-sized businesses suffering from the Corona 19 outbreak.

The total loan amount this year is 4 billion won, and 3 billion won will be executed in the first half. The limit is 50 million won for small businesses and 100 million won for SMEs, with an interest rate of 0.8% and a two-year deferred three-year equal installment payment condition.

However, the support targets are small business owners and small and medium-sized enterprises (SMEs) who have a business place in Gwanak-gu and have registered their business as of the date of application.

◆ Mixed Treasury Bond Interest Rate… 3 years 0.995% per year

On the 10th, ahead of the Lunar New Year holiday, in the Seoul bond market, the 3-year Treasury bond rate ended at 0.995% per year, up 0.5bp (1bp = 0.01% point) from the previous trading day.

10-year interest rates rose 1.8bp to 1.831% per year, while 5-year and 1-year bonds rose 1.8bp and 0.3bp respectively, closing at 1.337% per year and 0.673% per year.

20-year bonds fell 0.3bp to 1.965% per year, while 30-year and 50-year bonds fell 0.1bp and 0.1bp, respectively, to 1.974% per year and 1.974% per year.

【Youth Daily = Reporter Inara】