One in three negative bank books is 2030 households … The amount of loan delinquencies in its 20 years also increased



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One of the three negative bank books recently opened in the last three years was found to be in the name of 2030 households. In particular, the opening of bank books in their twenties, which are new to society, has increased significantly. A negative bank book is a loan product that can be used by borrowing a certain amount from time to time within the limit set by a finance company.

According to Representative Kim Sang-hoon, the power of the people on the 4th, from 2017 to July this year, 3,37,4908 negative bank accounts were opened in the top five commercial banks, including KB Kookmin, Shinhan, Woori, Hana and NH Nonghyup. Of these, the accounts created by people between the ages of 20 and 30 (123.2123) represented 36.5% of the total.

Opening a new passbook in your 20s is particularly notable. It opened 82,538 accounts last year, 23.3% more than in 2017 (66,936 accounts). On the other hand, for 30-year-olds, the number of new accounts opened during the same period decreased by 7.8% (279,832 accounts → 257,794 accounts). Although the number of accounts in their 30s is large, the increase is led by those in their 20. With the exception of their twenties, the number of new openings has decreased for all age groups.

For 20-somethings, the amount of loan delinquency is increasing as they open negative bank books more slowly. Compared to 2017 (1.27 billion won), last year (1.69 billion won) it increased by 33%. This is also the only increase in all age groups. In the financial sector, opening a negative banking book in your 20s is interpreted as reflecting the craze for “debt reversal (debt investing)”, which takes loans and invests aggressively. Young people’s strong desire for asset growth is said to have created a demand for credit loans and led to investments such as real estate stocks. A financial sector official said: “The recent overheating of the stock market and the increase in the demand for credit loans are the result of the blocking of investment destinations by the current government.” He said. Meanwhile, as the opening of new bank books increased, so did the loan limit. The 2030 household open negative bank book loan limit at the top five commercial banks increased by 62,405.6 billion won from 2017 to July this year.

Reporter Kim Dong-hyuk [email protected]

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