[서울파이낸스 김호성 기자] It has been confirmed that some employees of the Korea Land and Housing Corporation (LH), who are suspected of land speculation, have received most of the loans from the North Siheung Nonghyup. .
According to the financial sector on the 21st, the financial authorities are pushing ahead with a plan to allow more loans to members from mutual financial associations such as Nonghyup and Credit Union.
However, rather than directly changing the ratio of loans to members and non-members, we are considering a plan to increase the share of member loans by adjusting the risk weight applied when calculating the loan-to-deposit ratio.
When calculating the loan-to-deposit ratio (ratio of loan balance to the balance of deposit) of mutual finance, which is currently 80-100%, a method to set the risk weight applied to non-member loans relatively high is discussed.
The ratio of loans to members and non-members in mutual finance differs by business sector.
Credit unions have to pay two-thirds of their loans to members, while the Nonghyup only needs to pay more than half of the loans to members. However, loans to associate members and deemed members of the NACF are also included in member loans. Quasi-members are people who live in unit agricultural cooperatives and do not farm, or groups created by farmers.
A deemed member may qualify as long as it is a member of another association or a direct survivor who shares a living with a member. In other words, it is possible to borrow the Agricultural Cooperatives even without farming. In the end, it is a structure in which more than half of the loans from the Agricultural Cooperatives go out to those who do not farm.
First, the financial authorities are checking the size of loans by region and type by receiving data from each financial institution in writing. Based on this, it is expected that targets that need on-site inspection will be identified.
Meanwhile, as of December of last year, the balance of non-housing mortgage loans including land for mutual finance was 257 trillion won, an increase of 30 trillion won from a year ago.
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