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[Alpha Biz=(Chicago) Reporter Paul Lee] As the balance of banks' household loans reached a record high of nearly KRW 1,087 trillion last month, the Financial Supervisory Service asked banks to manage household loan growth by strengthening loan screening.
The Financial Supervisory Service said on the 8th that it held a meeting with vice presidents of nine banks, including Kookmin, Shinhan, Woori, Hana, Nonghyup, Daegu, Busan, Kakao and Toss, presided over by Park Choong-hyun, vice president of the bank.
At the meeting, the Financial Supervisory Service was briefed on the cause of the bank's increase in household loans and handling plans, and delivered future countermeasures and requests.
Banks attributed the increase in household loans in October to a temporary increase in demand for credit loans and the expansion of supply to end-users, including stepping stones.
According to the Financial Supervisory Service, credit loans in the banking sector rose 1.15 trillion won last month. Mortgage loans in the banking sector increased by KRW 5.8 trillion, of which policy mortgages such as stepping stones and support loans amounted to KRW 3.7 trillion, accounting for 64.9%.
Banks explained that after November, bank household loans other than real-life policy funds will be gradually reduced.
The Financial Supervisory Service asked the banking sector to continue to supply funds centered on end users, but to manage the increase to an appropriate level by strengthening loan screening within the scope of borrowers' debt repayment capacity rather than excessive interest rate hikes.
AlphaBIZ 폴 리(hoondork1977@alphabiz.co.kr)
