FSS card loans suppressed before pulling one card sales

[Korea financial newspapers around the lower cervical News] # b who lives in Incheon using one card 1Q Daily card received two consecutive marketing phone card loans. If you only check without credit checks cut interest rates to 30% urged me to use said card loans bear interest rates low. Yesterday received a call nyago do so enters the FSS sanctioned lending conditions tighter next month would be good idea to arrange the funds before the loan was difficult again encourage the use of card loans.

The financial authorities are scrambling to household loans chongryangje enforcement, card loans of spirals additional provisioning system provided including household loan growth suppression policy on multiple debtors, one card is performed before a full-fledged system called card loans. Naesewoomyeo low interest rates have encouraged to expand the marketing of card loans to fund books ahninya hanging the FSS sanctioned before starting a business card loans has been raised pointed out.

According to the 31st card industry, single card and the last 16 days the FSS but progress card loans appropriateness status checks intended for one card, the card loans marketing is still in progress.

In fact, one card is higher than the growth card loans last year. According to the Financial Supervisory Service, in 2015 the end of 1.547 trillion won asset that was one card, card loans grew 21.6% to 2.88 trillion won late last year. Where increased more than 20% of KB Kookmin Card is the only one of the seven cards issuer. KB Kookmin Card also received the Financial Supervisory card loans appropriateness status checking with a single card.

Financial authorities are looking at the promotional rate cuts in household lending increased risk causes. Card loans customers receive once again re-aged loans as card loans is the case of many factors that fall into the swamp of household loans.

Lotte Card has received significant management measures from the Financial Supervisory Service Such reasons.

According to the Financial Supervisory Disclosure, Lotte Card has continued to conduct promotions and discounts on card loans using interest rates to continue to increase the handling balance of card loans received significant management measures.

FSS 'Lotte Card since June 2014 card loans treat the target selection criteria and available also through such change calculated based on expanding its card loans available destinations and available limit, 40% to 50% compared to card loans using interest rate discount (normal rate ) continued to carry out promotions such as card loans and handling balance is constantly increasing, said "card loans in the future to strengthen the handling and utilization target risk management set up properly, the calculation basis as possible" he said.

Card Industry insiders, while the credit card company has won admission to superior customer uses a card loans, but substantially jeosinyongja uses a card loans increasing risk "he said.



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