[이코노믹리뷰=박창민 기자] Last month, it was found that household loans in the financial sector increased by more than 10 trillion won. This is due to the increase in demand for funds due to housing transactions and public offering stocks last month. The increase in credit loans, which had declined sharply in December of last year, has also turned to expansion.
According to the’Household Loan Trends in January 2021′ announced by the Financial Services Commission and the Financial Supervisory Service on the 10th, household loans in the financial sector increased by 10 trillion won last month from the end of December last year. The increase was 1.3 trillion won from the previous month (8 trillion won) and 7.900 trillion won from the same month last year (2.2 trillion won).
By business sector, banking household loans increased by 7.6 trillion won last month. It is an increase of 900 billion won from the previous month (6.7 trillion won) and 3.900 trillion won from the same month last year (3.7 trillion won).
Household loans in the second financial sector increased by 2.5 trillion won. It is 400 billion won from the previous month (2.1 trillion won), and 4 trillion won from the same month last year (-1 trillion 500 billion won).
By loan category, last month, the number of mortgage loans in the financial sector increased by 5.8 trillion won. This increase is a decrease of 900 billion won from the previous month (6.7 trillion won) and an increase of 2.8 trillion won compared to the same month last year (3 trillion won).
Among them, the banks’ main charge increased by 5 trillion won due to the increase of cheonsei fund loans, general headings, and group loans. Compared to the previous month (6.3 trillion won), it decreased by 1.3 trillion won, but it increased by 700 billion won from the same month last year (4.3 trillion won). The cheonsei loan increased by 2.4 trillion won, the general ledger was 1.8 trillion won, and the collective loan increased by 800 billion won. The head of the second financial sector increased by 800 billion won.
Last month, other loans, including credit loans, increased by 4.3 trillion won, up 2.2 trillion won from the previous month (2.1 trillion won). It increased by 5.5 trillion won from the same month last year (-800 billion won).
Even though the banking sector continued its efforts to strengthen its own credit loan management, the increase in demand for stock-related funds, such as public offering stocks, increased by KRW 2.6 trillion, mainly on credit loans. This is an increase of 2.2 trillion won compared to the previous month (400 billion won) and 3.2 trillion won compared to the same month last year (-600 billion won).
Among other loans in all financial sectors, credit loans alone increased by 3 trillion won. This is an increase of 2.8 trillion won from the previous month (800 billion won) and 2.8 trillion won from the same month last year (200 billion won).
Among them, the increase in bank credit loans last month was 2.3 trillion won, an increase of 1.9 trillion won from the previous month (400 billion won). Credit loans from the second financial sector increased by 700 billion won, up 300 billion won from the previous month (400 billion won).
The Financial Services Commission said, “The increase in household loans decreased compared to the second half of last year, but the demand for funds such as housing transactions and public offerings continued to increase compared to the same month last year.” Thanks to this, the trend of the increase was somewhat mitigated.”