The Governor of the Financial Supervisory Service Lee Bok-hyun asked the savings and banking industry to review the debt adjustment program for the underprivileged, whose debt repayment ability is expected to deteriorate, and to consider expanding support.
He also urged the government to strengthen management, saying that the proportion of multiple debtors is already high and is steadily rising.
President Lee Bok-hyun held a meeting with the CEOs of 14 savings banks at the Korea Savings Bank Federation in Mapo-gu, Seoul on the morning of the 8th and said this.
Director Lee said, “Please ensure that medium-interest loans are continuously supplied to those in need of living funds, and strengthen the guidance on the right to request interest rate cuts so that financial consumers can benefit from interest rate cuts during rising interest rates.” “Support for the vulnerable and protect financial consumers Please look forward to it,” he said.
President Lee also said that it is necessary to strengthen the soundness management of multi-debtor loans, which are borrowed from three or more financial companies, and said that he would strengthen credit review and follow-up management for multi-debtor loans and prepare for possible insolvency by preemptively setting up an allowance for bad debts. .
The proportion of multiple debtors among savings bank household loans from 69.9% at the end of 2019 rose to 71.2% at the end of 2020, and reached 75.8% at the end of May.
In the case of corporate loans, citing concerns regarding the concentration of loans in real estate-related industries and the expansion of business risks in PF (Project Financing) loans, strengthen limit management by industry, evaluate the business feasibility of all PF business sites, and accumulate loan loss provisions corresponding to the risks. ordered something.
In addition, President Lee said, “Recently, cases where some loan solicitors took the lead in illegal business housing mortgage loans were discovered while forging documents, and large-scale embezzlement accidents occurred one following another. After that, please carefully check whether it is useful or not.”
[사진 출처 : 연합뉴스]
