<Anchor> The



reason the authorities have tightened loans like this is because they judged that the rate of increase in household debt has reached a dangerous level. I saw that the situation was serious enough to not stop with warning statements, but to take actual measures, too.



Next is reporter Kim Jung-woo.



<Reporter> The



balance of household loans in the first quarter was 1,666 trillion won.



It increased by 9.5% in one year, far exceeding the government's target for growth rate of 5-6%.



In July, the DSR system, which measures the upper limit of the loan amount by adding up all loans received by individuals, was launched, but the effect was not great.



Then the financial authorities came up with a more direct method.



Even before taking office, candidate Koh Seung-beom declared war on household debt, saying, "I will manage it using all available policy tools."



The Financial Supervisory Service summoned bank loan officers and demanded that the upper limit of loans under 100 million won be lowered from twice the annual salary to the annual salary level.



The FSC has also begun to consider ways to advance the DSR regulation, which was originally intended to be strengthened in stages.



The successive suspension of lending by commercial banks came from the harsh regulatory atmosphere of the authorities.



This is because the snowballing household debt, coupled with the tightening of the US money chain and the subsequent early interest rate hike by the Korean financial authorities, could become a trigger for an economic crisis.



[Kim So-young/Professor of Economics at Seoul National University: There is a possibility that the self-employed, households, etc. will have difficulties in making additional loans. If the interest rate is raised, the interest on the loan increases and the interest rate for existing borrowers increases.] The



balance of household loans at domestic banks in their 20s and 30s who started 'buying a house' with the so-called 'youngcheol' due to the rise in house prices has recently reached 260 trillion won. soaring situation.



As the loan cliff becomes a reality, the difficulties of these end users in their 20s and 30s are expected to increase.



(Video editing: Park Ki-duk, VJ: Jeong Min-goo)  



▶ After NH Nonghyup, Woori · SC No.1… Loan tightening 'dominoes'