According to the five major commercial banks (KB Kookmin, Shinhan, Hana, Woori, and NH Nonghyup) on the 10th, the total credit loan balance as of the 7th was 134 trillion and 111.5 billion won. Compared to the end of last year (133,6648 billion won), the number of business days this year has increased by 4,534 billion won in 4 days (4-7 days).
In particular, new credit loans through negative bankbooks jumped from 1,48 on December 31 last year to 1,960 on the 7th, about twice as much. This means that the number of new people who break negative bankbooks has doubled this year.
Accordingly, on the 1st to 7th of this month, a total of 7,411 new negative bankbooks of the five major banks, and the balance of the negative bankbooks also increased by KRW 241.1 billion (46 trillion 531 billion → 46 trillion 7721 billion). A commercial bank official explained, “As the stock market has become so hot from the beginning of the year, it is estimated that the demand to invest in even negative loans has increased.” It is also considered as the background of the increase in credit loans that banknotes at the end of last year closed major credit windows for “management of the total amount of household loans,” and then reopened gradually after the year.
Last year’s five major banks’ credit loans were ‘spiritual’ and ‘spiritual’ due to Corona 19. ‘Debts’ overlapped and soared to 13.3 trillion and 6925 billion won at the end of November, then ended the year with 13.3 trillion 6482 billion won, falling 44.3 billion won a month in December.
After the increase in credit loans reached a record high in November of last year (4,849 trillion won), banks regulated the DSR (Total Debt Principal Repayment Ratio) for high-income people’s large credit loans, and loan limits and preferential treatment according to the guidelines of the financial authorities. This is the result of not only reducing interest rates, but also executing’temporary suspension of credit loans’, and in an extreme’to tighten household loans’.
However, since measures such as’stopping credit loans’ were implemented for a period of time’until the end of the year’, each bank’s flagship credit loan product sales resumed before and after the New Year holidays.
KB Kookmin Bank, which blocked all new household credit loans exceeding 20 million won since the 22nd of last month, removed the unusual ’20 million won’ standard this month. Woori Bank also resumed the sale of the non-face-to-face credit loan product’We WON Office Worker Loan’, which was discontinued since December 11 last year. Shinhan Bank and Kakao Bank, an internet bank, are also repaying non-face-to-face’convenient employee credit loans’, which were blocked at the end of last year, and negative bankbook credit loans for high-credit employees, respectively.
Kim Ju Ogija [email protected]