The number of new loans through negative bankbooks has increased significantly. This is attributed to the fact that some loan regulations have been lifted in the new year, and investment demand has increased due to the stock market boom.
A personal loan window of a commercial bank in Seoul. yunhap news
“Let’s take it once” doubled the opening of a negative passbook
According to the five major commercial banks of KB Kookmin, Shinhan, Hana, Woori, and NH Nonghyup on the 10th, the total credit loan balance as of the 7th was 134.101.5 billion won. Compared to the end of last year (133,6482 billion won), it increased by 453.4 billion won in the 7th and 4th business days of this year.
In particular, daily new loans through negative bankbooks jumped from 1048 on December 31 last year to 1960 on the 7th. This means that the number of people who opened a new negative bankbook on a daily basis was twice as many as at the end of last year. On the 1st to 7th, the balance of the new negative bankbooks of the five major banks also rose to 241.1 billion won (46 trillion 53 billion won → 46 trillion 7721 billion won).
Since the money is not tagged, it is impossible to monitor where credit loans were used, but in the banking sector, an increase in investment demand due to the booming stock market is a factor that influenced the opening of a new negative bankbook.
loan. Shutterstock
Credit loans that were closed at the end of last year were resumed, which is the reason for the increase in loans. In terms of household loan management, banknotes closed major credit loan counters at the end of last year, and as the year changed, the limit of the total amount of loans could be newly calculated. It becomes an answer.
Last year, the credit loans of the five major banks soared to 133.692.5 billion won at the end of November, then decreased by 44.3 billion won in December, ending the year with 133,6482 billion won. After the increase in credit loans reached an all-time high in November of last year (4,849.5 billion won), banks only regulated the DSR (Total Debt Principal Repayment Ratio) for high-income people’s large credit loans, and reduced loan limits and preferential interest rates according to the guidelines of the financial authorities. In addition, it is the result of a temporary suspension of credit loans, and the signing of extreme household loans.
However, from the first business day of the new year, each bank’s flagship credit loan product sales resumed. Shinhan Bank began accepting new credit loans on the 4th, and on the same day, KB Kookmin Bank lifted the credit limit, which had been limited to 20 million won. Hana Bank and Woori Bank resumed non-face-to-face credit loan sales on the 5th and 7th, respectively.
High income limit is still regulated
However, restrictions on high credit loans for high income earners are expected to continue for the time being. In November of last year, the financial authorities came up with measures to regulate high credit loans by high-income people with tweezers to respond to the surge in bank loans. At this time, the credit limit for professional professionals such as doctors and lawyers was reduced from a maximum of 400 million won to 200 million won, and has not yet been restored to the level of last year.
The Financial Supervisory Service is in a position to examine the trend and cause of the increase in credit loans. The Financial Supervisory Service is scheduled to hold a video conference with vice presidents in charge of loans at major banks on the 11th to receive a report on the status of credit loans by bank. The Financial Supervisory Service has been monitoring the number of credit loans exceeding 100 million won since the end of last year.
In addition, by reviewing each bank’s lending target, it plans to manage banks whose targets are too high or that violate last year’s lending targets.
Reporter Jiyu Hong [email protected]