40% of the money out of the negative bankbook is sought by in their 20s and 30s
There are no restrictions when borrowing money for stock investment at a brokerage company.
Many people invest in debt when the stock price rises. In particular, among the 2030 generations, more and more people break savings and create negative bankbooks. In fact, about 40% of the money out of the negative bankbook was visited by two or thirties. The financial authorities said they would come up with a countermeasure belatedly.
This is Kim Seo-yeon.
[기자]
Mr. A, a thirty-year-old office worker, made two negative bankbooks last month.
It was to get money to invest in stocks before banks stopped lending their credit.
[A씨/회사원 : 옛날엔 저축이나 예·적금으로 돈이 쉽게 말해 불어나고 했는데 지금은 금리도 0%대고… 빚내서 (투자)하는 경우도 있고. 저도 가만히 있는 것보다 뭐라도 해봐야 되지 않을까 해서…]
Last year, the negative bankbooks of the five major commercial banks amounted to more than 4.6 trillion won, but 40% of the money that went out was found by those in their 20s and 30s.
At the beginning of the year, as the door of credit loans opened again and the domestic stock market continued to swell, loans were increasing rapidly again.
Last month, the credit balance of commercial banks decreased by over 40 billion won.
However, it has increased by more than 450 billion won in a week into the New Year.
On average, over 1,800 new bankbooks were created per day this month.
The average number of open accounts per day has nearly doubled compared to the 31st of last month.
The Financial Supervisory Service held an emergency loan inspection meeting with commercial banks today.
However, it is pointed out that it is a’rear-book response’.
Last month, the Financial Supervisory Service reduced the limit on loans for professionals and high-income workers, saying that it would prevent credit loans from being added to the house price.
However, credit loans for generations in the 20s and 30s with relatively low salaries were not properly blocked.
Here, there are no restrictions when borrowing money from a brokerage company for stock investment.
Experts point out that financial authorities need to set up a strict lending policy to avoid overheating the stock market and causing young people to incur excessive debt.
(Video Design: Jaewook Lee)