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The average loan per person of Korean wage workers increased to 4.76 million won, up 2.81 million won from the previous year.
In all ages, the average loan per person in their 40s was the highest at around 60 million won.
According to the `` 2018 Job Administrative Statistics Wage Worker Debt '' announced by the National Statistical Office on December 12, the average loan (provisional value) of wage workers as of the end of 2018 was 48.76 million won, and the median loan was 366.6 million won, 281 each year. 10,000 won (7.4%), 3.34 million (10.3%) increased.
The average loan is the sum of the loan balance received by individual wage workers from banks or non-bank financial institutions divided by the total number of wage workers.
A median loan is the personal loan balance of a person who is located in the very center when the wage workers are put in order of personal loan balances.
Personal average loans continued to increase to 35.91 million won at the end of June 2017, 37.79 million won at the end of December 2017, and 39.93 million won at the end of June 2018, but exceeded 40 million won at the end of December last year. .
The delinquency rate based on the loan balance of wage workers was 0.56%, up 0.05 percentage point from the previous year.
By age group, the average loans for wage workers in their 40s were the highest at 59.95 million won, and those in their 30s (55.30 million won) and those in their 50s (49.98 million won) also exceeded the average.
They were in their 60s (33.25 million won), 70 years old or older (14.5 million won), and 29 years old or younger (19.39 million won).
Among them, average loans for those under 29 years of age increased by KRW 304 million (38.5%) from the previous year, and those aged 70 or older decreased by KRW 530,000 (3.5%).
The delinquency rate based on the loan balance was highest in the 60s with 1.00%, followed by 0.68% in the 50s and 0.55% over 70.
The 30s were the lowest at 0.38%.
Among the wage workers, apartment dwellers had the highest loans, but the delinquency rate was the lowest.
According to the characteristics of the apartments, the average rent of apartment residents was 48.99 million won, followed by alliance and multi-family (32.25 million won), officetels and others (32.22 million won), and single-family homes (25.42 million won). In order.
The delinquency rate was the lowest at 0.37% of apartment residents, 0.71% for tenants and multi-family, 1.12% for single-family homes, and 1.16% for officetels.
The average loans of wage workers in large corporations were 651.5 million won, while those of small and medium-sized wage workers were 31.19 million won.
The median lending was 651 million won for large companies and 27 million won for small and medium companies.
The delinquency rate was 0.88% for small and medium-sized wage workers and 0.27% for large companies.
The average loans of wage workers by company type are government and non-corporate groups (48.48 million won), company corporations (48.7 million won), non-corporate corporations (45.2 million won), and private companies (22.20 million won). The delinquency rate was in the order of individual companies (1.01%), company subsidiaries (0.59%), non-company subsidiaries (0.37%), and government and non-corporate groups (0.18%).
The average loan of wage workers by employee size was 300 or more (55.37 million won), less than 50 to 300 (37.72 million won), and less than 50 (33.32 million won), but the delinquency rate was 50. Less than (0.95%), less than 50 to 300 (0.52%), and more than 300 (0.25%).
The average personal loans of wage workers by industry were in the order of finance and insurance (81.3 million won), public administration (58.81 million won), and information and communication (58.78 million won).
The delinquency rate was higher in order of real estate (1.54%), lodging and restaurant (1.30%), and construction (1.01%).
Mr. Woo Young-je said, “The delinquency rate of real estate and accommodation and restaurant businesses is high. It seems to be affected by the economy.” “Because I am not a corporation, I receive less loans because I have relatively low wages and low incomes. "There are a lot of non-banks, so it seems like there is a tendency to increase the possibility of arrears."