[Korea sinyuncheol financial newspaper reporter] went on banks' profitability through large loans. Depending on the policy, financial authorities will turn their eyes to let women business loan reduces the risk borne by the less household loans. It only increase the burden on risk management, but large loans than loans to SMEs are also likely to have a negative impact on the future economy.
◇ large loans increased in one year
Large loans are turned into growth in just one year. It was the last year for shipbuilding, shipping and banking sector restructuring on large companies continue to reduce the goddess engaged doeja recently reduced the expected decrease in household lending margins will turn their eyes back to business loans. According to the banks, Shinhan, Kookmin, one of our cooperatives, including five large commercial banks in late January, the loan balance has increased 2.1655 trillion won to 79.8525 trillion won the previous month. One years of the end of the gun only after large loans increased from the previous month, January 2016.
5 large loans to bank restructuring aftermath shipbuilding and shipping were trying to consecutive minus 11 months since last February. 5 banks of large loans fell to 13.7304 trillion won last year 77.687 trillion won from last year's 92.9871 trillion won in late January. Last year decrease of bank loans is the only thing a large loan. 5 large bank loan balance was increased both between December last year, in January of this year we increased the bank 900 000 000 000 showed the highest growth.
Woori Bank official corporate credit "when you view the recent US protectionist trade policies of China and its large lending outlook is likely to be difficult. So we think the sales and distribution network for the whole game, mainly blue-chip companies and mid-sized businesses, "he said. This year, because I have done business loans give eotgi banks are reported to afford to increase the corporate credit again.
◇ medium-term loans in delinquency negative pressure
According to the Financial Supervisory Service (FSS) of the end of January SME loan delinquency rate (more than one month overdue principal and interest) rose 0.11% points to 0.63%, 0.74% more than a month ago. Enterprise loan delinquency rate fell 0.06 percentage points to 0.71% compared to 0.77% the previous month. SME loan growth of the banking sector last December, based on a mere 5.5% (559.6394 trillion won → 590 1868 1 trillion won). To large loan delinquency rate (to judge to loss treatment that recovery is impossible) June last year it recorded a 2% by court influence of STX Offshore & Shipbuilding and Hanjin Shipping From to October last year, ahead of the year-end write-off of overdue receivables 0% It fell back in.
In the Bank of Korea, Financial Institutions lending behavior survey results forecast for the first quarter of this year SME lending attitudes of domestic banks came to -13. If the interest rate and the Bank will review the response would strengthen the loan conditions, such as roll-wise than the bank announced it would reduce the loan examination-bank lending attitude index is negative ().
Bank lending rates of these companies also are showing the current rising prices. Corporate lending rates of banks in January this year climbing 0.01% p to 3.55% rise was four months. Enterprise lending rates climbed 0.04% p to 3.20% SME lending rate rose 0.02% p to 3.79%. The total lending rate of banks increased 0.07% p to 3.51%. The difference between the lending rate and deposit rate Bank (NIS) has increased by 0.12% p to 2.00% p. NIS is the largest since January 2013, to 10 004 (2.00% p) years. The indicators are banks went on a lending profitability through.
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