[아이뉴스24 서상혁 기자] Commercial banks are simultaneously reducing the limit of negative bankbooks to 50 million won. It can be interpreted that this was due to the rapid increase in the number of negative bankbook openings as the sentiment to accept the additional regulatory card spread once the financial authorities were fiddling with the additional regulatory card.
According to the financial sector on the 1st, Shinhan Bank will lower the limit of negative bankbooks (limit transaction loans) for the products of’Elitron’ and’public employee credit loan’ from the 3rd to 50 million won from 100 million won.
From the same day, the criteria for reviewing the total debt principal repayment ratio (DSR) will be strengthened. Previously, only cases in which the DSR exceeded 50% was reviewed by the headquarters, but the standard will be strengthened to 40% in the future. An official from Shinhan Bank explained that it is “a dimension to focus on the actual demanders of funds such as case-by-case loans.”
In addition to Shinhan Bank, banknotes have recently strengthened their own regulations on negative bankbooks. Since the 29th of last month, Woori Bank has reduced the maximum limit of 10 major negative bankbook products such as’Woori Direct Trader Loan’ and’Woori Special Loan’ to 50 million won. On the 7th of last month, Woori Bank resumed sales of the’Won Loan for Office Workers’, lowering the existing limit from 100 million won to 50 million won.
Since the 22nd of last month, Kakao Bank, a specialized internet bank, has reduced the maximum limit of credit loan products for high-credit workers from 150 million won to 100 million won. K-Bank also recently raised the interest rates of credit loans for office workers and negative bankbook loans by 0.2 percentage points (p) and 0.1 percentage points, respectively. However, as far as possible, the previous level was maintained.
As demand for negative bankbooks surged at the beginning of the year, commercial banks began taking preemptive measures to manage risks. During the 19th business day of January, a total of 43,143 negative bankbooks were opened at the five major banks (KB Kookmin, Shinhan, Woori, Hana, and NH Nonghyup). The average number is about 2,270 per business day, which is more than twice as many as 1,48 on December 31 of last year.
The industry pointed to the regulatory movement of the authorities on the background of the increased demand for negative bankbooks. Since last year, financial authorities have consistently suggested the possibility of regulation, and recently, the recognition of’receiving when possible’ has spread widely, suggesting that it will review the obligation to repay the principal in installments for large credit loans.
An official from the banking sector said, “In the new year, banks have had the effect of deregulation, and it seems that the sentiment of’let’s take it once’ while the authorities suggested the possibility of regulation,” and said, “If you do not open and use a negative passbook, interest will not go out.” Explained.
Reporter Seo Sang-hyuk [email protected]