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Financial Supervision Service, videoconference with the Vice President of 5 large banks on the 14th
“The regulation plan for the real estate bypass fund will be discussed”
On the 13th, the Financial Supervision Service announced on the 14th that it will hold a videoconference with the vice presidents of the five main banks to find out the opinions of the banks on the increase in credit loans. This is to determine the cause of the increase in credit loans, the bank’s management plan, and where and how much the most liquidity flowed.
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| Office building of a major commercial bank [사진=각 사] |
An official from the Financial Supervision Service explained: “It is a place to hear opinions about how the bank sees whether it is a claim for support or whether it has been used for real estate stocks.” Regarding the weight of reducing liquidity in the Corona 19 situation, he replied: “I will ask how you feel at the bank’s counters.”
Recently, the major commercial banks have initiated an internal review of measures to reduce credit lending. This is because, since credit loans for the purchase of houses or investment in stocks have increased significantly, it is pointed out that the authorities should manage them. On the 10th, department managers and assistant managers related to bank loans held a meeting with the Financial Supervision Service.
Earlier, the vice chairman of the Financial Services Commission, Son Byung-du, said: “It is estimated that the inflow of funds into stocks and real estate has influenced the increase in credit loans.”
At the end of August this year, the credit limit of the top five banks was 124.7 trillion won, an increase of 4.75 trillion won from the previous month, recording a record monthly increase.
Commercial banks predict that credit regulation will be a way to focus on real estate. It is a promising method of preventing credit loan funds from being used for real estate investments by adjusting the total debt principal repayment rate (DSR) to regulate real estate and credit loans at the same time.
A banking sector official said: “We should also consider ways not to overburden end users in the crown situation” and “There is one side where credit lending has risen more steeply with the announcement of real estate measures. “. “I think the plan will be discussed.”
