On the 5th, customers who visit a bank sales department in Seoul are waiting for their turn. Bank loans are likely to take a breather at the beginning of the year, as banknotes, which had stepped into tightening household loans at the end of the year, resumed non-face-to-face credit loans one after another, and some banks eased measures to reduce their maximum credit loans. yunhap news
As soon as the lending window, which was firmly closed at the end of last year, opened again, credit loans in banknotes are rapidly increasing. It is analyzed because the’debt investment (investing in debt)’ procession is lined up with the idea that it is a golden opportunity to call assets amid the movement of stocks and cryptocurrency infested from the beginning of the year.
According to KB Kookmin, Shinhan, Hana, Woori, and NH Nonghyup Banks on the 10th, the credit balance of these banks as of the 7th was 134.15 trillion won, an increase of 453.4 billion won compared to last year’s December 31 (133,6482 billion). It’s only 4 business days. Considering that credit loans from the five major commercial banks declined for the first time in 11 months (-44.3 billion won) last month, this is a tremendous increase in the short term.
The increase in accounts of’minus bankbook’ is also scary. In the new year, 1,800-2,000 new negative bankbooks were opened every day, nearly doubled compared to the end of last month (1,048), and the balance of negative bankbooks increased by 241.1 billion won.
From the beginning of the year, this increase is unusual. This is because, in early January, rather than increasing demand for credit loans, the balance of deposits and savings increases with year-end bonuses.
Some people see this increase in credit loans as’panic loans’. It is said that consumers, who have learned the strict lending regulations that have continued since the end of November of last year, are jumping into the opening of negative bankbooks with the psychology of’let’s accept them when they become available’. It is also a big reason that the investment craze, such as KOSPI, which exceeded 3,000 points in the new year, and Bitcoin that jumped 10 million won in 10 days, swelled, stimulating the’debt-fighting’ sentiment.
There is also an analysis that the accumulated demand has exploded at the same time as commercial banks opened the lending window that had been blocked to manage the total amount of loans at the end of the year. Earlier, Woori Bank resumed sales of the non-face-to-face credit loan’WON Office Worker Loan’, which had been discontinued on the 11th of last month. Restarted.
Shinhan Bank and KB Kookmin Bank also started to resell credit loan products that had been blocked from the 4th, and NH Nonghyup Bank raised the lowered credit loan product limit back to the previous level. An official from the banking sector explained, “It is natural that the demand for credit loans will increase for a short period of time, as if a blocked bank bursts.”
However, as the financial authorities are actively managing the increase in household loans, it is unlikely that the increase in loans will increase as much as in the second half of last year. The authorities limit the increase in monthly credit loans to banknotes to 2 trillion won and are closely monitoring the situation. In the first quarter of this year, a regulatory plan to limit the size of loans based on income is expected. Financial Supervisory Commissioner Yoon Seok-heon said at a press conference at the end of last year, “We will maintain the management of the total amount of household credit loans in the banking sector for the time being.”
Kwak Joo-hyun reporter [email protected]
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