30,000 new negative bankbooks increased this month… demand for’debt investment’ flocked

As of this month, the number of newly opened negative bankbooks (Matong) in major domestic banks exceeded 30,000.

Due to the recent stock market boom, demand for individual investors to obtain loans and invest in them has increased, and as a regulatory plan for high credit loans has been announced, there has been a growing movement to obtain loans in advance.

According to the financial sector on the 24th, it was estimated that 31,305 new credit loans were made through Matong, which was opened for 14 business days from the 4th of this month to the 21st of the last five banks, including KB Kookmin, Shinhan, Hana, Woori, and NH Nonghyup.

The number of newly opened Matongs from around 1,000 a day at the end of last year has soared to more than 2,000 every day this month. As a result, the balance of Matong of the five major banks has increased by 6766 billion won for three weeks since the end of last month.

It is interpreted that the booming stock and real estate market has driven demand for’debt investments (investing in debts and investing in stocks)’ and’spirits’.

In addition, the demand for Matong seems to have increased as the financial authorities recently announced that Matong will not be included in the mandatory repayment of high credit loans.

As the demand for new loans soared, banks responded to reducing new loans in line with the government’s lending stance. Currently, the total credit balance of the five major banks is 134.953.8 billion won, an increase of 1.31 trillion won from the end of last year (133,6482 billion won).

It is still stable as it has not exceeded the level of 2 trillion won per month increase, which is the level suggested by the authorities.

As a result, banks have reduced their credit limit, including Matong, or some banks have decided not to deal with Maton at all.

Kakao Bank has lowered the limit of Matong to 100 million won since the 22nd, and Suhyup Bank also stopped handling new negative bankbooks among Sh The Dream credit loan products on the same day.

Shinhan Bank has reduced the maximum limit of four credit loan products for office workers by 50 million won since the 15th. At the end of last year, Shinhan Bank lowered the credit limit for professional professions such as doctors and lawyers from 250 million to 300 million won to 200 million won to 100 million won.

Woori Bank has also lowered the limit of Matong loans among non-face-to-face credit loan products for office workers from 100 million won to 50 million won. Hana Bank has also lowered the limit on five credit products for professionals from the 6th.

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