[Korea before lower cervical financial newspaper reporter] household debt is close to 1344 trillion won, while 10 000 47.7 trillion won increase during the fourth quarter of the financial authorities to non-banking sector loans to households sets out special checks. In the first financial institution household loans, insufficient risk management practices and strict action will be closely supervised.
Jeongeunbo FSC vice chairman is from morning 21 days from 10 am 'second financial shop loans meeting' held, discussing the recent household debt trends and countermeasures, and fast increasing rate of household debt 4Q11 Mutual Finance, Capital Co., cards, etc. The 2 urged strengthening financial risk management.
Jeongeunbo vice 'second financial sector is vulnerable borrowers proportion is relatively weak in the value mask factors, such as relatively high interest rate rise' Increasing said continued 'household loans to preemptively without risk management implementation credit screening guidelines before transition undesirable 'he said.
In the financial authorities are expected to pursue three so that it can be implemented without a hitch customized credit review guidelines that apply to the non-banking sector since April.
The financial authorities repaid the said guidelines and applying aims to raise the proportion of 20% is generally expected to achieve. But still significantly lower proportion of fixed-rate loans pointed out that a very weak structure such as future interest rate hikes.
Jeongeunbo vice 'is also second overall financial repayment capacity assessment system (DSR) Utilization of a highly distressed, and hope to build even want me eopgwon stars Best Practices' he said.
It will also strive to avoid excessive handling high-interest loans through interest rate by a lack of rationality adequacy Check around the FSS.
Expanding the supply policy, mortgage, etc. Bogeumjari, qualifying loans 44 trillion won this year, and this year, fixed-rate share of 45%, repayment plans to raise the target rate by 55%.
Delinquency and unemployment even before closure occurs, such as principal repayment grace haejugo delinquency rate (the current annual level of 11-15%) is planning to pursue a rational calculation system reform.
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