Investing in private stocks using negative bankbooks during the stock market boom
The financial authorities decided to focus on managing negative bankbook (Matong) loans in the midst of tightening large credit loans.
As the stock market boomed at the beginning of the year, demand for’debt investment’ (investing through loans) increased, and bank credit loans, including the opening of banknotes, were excited.
An official from the financial authorities said on the 17th, “There is no way to do what has been opened up until now, but the opening of a new Matong with a high amount of money must be managed.”
Amid the atmosphere that the credit lending latch, which was tightly blocked at the end of last year, is being released at the beginning of the year, the opening of Matong is also increasing rapidly.
In particular, the opening of the’KOSPI 3,000 Era’ seems to have increased the number of marketers for stock investment.
Maton is a product that customers can use as many times as they want with a limit loan method.
Financial authorities are aware that there is a growing tendency for individual clients’ funds to pass from bank accounts to securities accounts.
It is said that there are many ants who use the funds they have already received or newly created for stock investment.
The fact that individual investors’ funds contribute to the boom in the stock market is not a reluctance for the financial authorities, but there is a strong sense of caution against investing in excessive debt.
This is because if a price adjustment occurs while the stock price rises faster than ever, the damage to the ants who poured a large amount of debt into the stock market would be severe.
This is why the financial authorities are concerned with managing Matong in addition to tightening large loans to professionals.
Another official from the financial authorities said, “Investing in stocks should be done with extra money,” and “We are paying close attention because excessive debt investment is not desirable.”
Financial authorities are ordering the management of large loans through official and informal contacts with banknotes.
In fact, there are also banks that have cut the limit of Matong in half.
First of all, in terms of numbers, the financial authorities judge that the increase in credit loans this year is not up to the level of’explosion’.
The financial authorities are in a position that they should take preemptive measures, as excessive loan growth can lead to overheating in the stock market and real estate market.
In particular, as the stock market has emerged as a variable in the management of the total amount of loans in banknotes, the atmosphere is paying close attention.
In the case of real estate, there is a view that the abundant liquidity due to low interest rates is further driven into the booming stock market due to tight regulatory measures.
The financial authorities are working to adjust the rate of loan growth by receiving monthly and annual loan management plans from banks.
Although there are differences between banks, major banks are known to have generally set a target for the household loan growth rate this year to be around 5%.
An official from the financial authorities explained, “In general, banks submitted conservatively not to exceed the rate of loan growth this year.”
/yunhap news