KakaoBank

2023年8月17日,

当局指责并且只在银行的抵押贷款高家庭债务发布:2023-08-17 16:31李Yeon-woo金融当局正密切关注着并且只在银行,确定他们non-face-to-face抵押贷款作为一个因素迅速家庭债务激增。当局正在调查是否违约的贷款审查程序和管理利率的银行是合适的。“鉴于并且只在银行抵押贷款的爆炸式增长,审查他们的操作是非常必要的,”一位官员说金融机构。“我们决定哪些领域应更严格地监管,根据相关数据。”Mortgage loans from internet-only banks have gained popularity, capitalizing on their non-face-to-face services and competitive interest rates. The combined loan balance of these banks for the second quarter of this year stood at 21.2 trillion won ($15.8 billion), which marks a 35 percent or 5.43 trillion won increase from last year. KakaoBank reported record profits for the first half of this year while K Bank saw a whopping 41.4 percent rise in profits. Toss Bank currently does not offer mortgage loans but intends to enter the market in the second half of the year. Financial authorities suspect that the aggressive expansion of mortgage loans by internet-only banks is inappropriate, as it doesn't align with the banks' original focus of providing loans for individuals with medium to low credit scores. Mortgage loans are typically more suited for those who possess high-value collateral, rather than for those with lower credit ratings. In response, internet-only banks are defending their stance, emphasizing that the mortgage loans they issue are a drop in the bucket compared to the broader market. "The share of KakaoBank's mortgage loans is less than 2 percent of the entire mortgage loan market," KakaoBank CEO Yun Ho-young said to reporters, Thursday, while en route to a meeting attended by 17 bank CEOs. "We don't concur with the notion that KakaoBank is the primary driver behind the surge in household loans."