꺾이지 않는 빚투…5대銀 마통잔액 43조, 3년8개월만에 최대
Debt-Fueled Investment Trend Persists…Major Five Banks' Overdraft Balance Hits 43 Trillion Won, Highest in 3 Years 8 Months
Tren Investasi Berbasis Utang Terus Berlanjut…Saldo Overdraft Lima Bank Utama Mencapai 43 Triliun Won, Tertinggi dalam 3 Tahun 8 Bulan
5대 은행의 마이너스통장(신용한도대출) 사용액이 3년 8개월 만에 최대로 증가하며 '빚투' 현상이 심화되고 있습니다. 6월 말 기준 5대 은행 개인 마이너스통장 잔액은 43조 3천 363억원으로, 코로나19 이후 최고 수준입니다. 마통 한도 소진율 또한 평균 44.8%로 코로나19 팬데믹 이후 가장 높게 나타났습니다. 증시 변동성 증가로 단기 유동성 확보를 위해 마통 이용이 증가하고 있으며, 금융안정에 대한 우려도 제기되고 있습니다. 한국은행은 레버리지 활용 투자 증가와 금융여건 변화에 따른 부실 확대 가능성을 지적했습니다.
The usage of overdraft accounts (credit limit loans) at South Korea's five major banks has reached its highest level in 3 years and 8 months, intensifying the 'debt-fueled investment' phenomenon. As of the end of June, the individual overdraft balance at the five major banks stood at 43 trillion 336.3 billion won, the highest level since the COVID-19 pandemic. The average overdraft limit utilization rate also reached 44.8%, the highest since the pandemic. Increased stock market volatility is driving greater overdraft usage to secure short-term liquidity, raising concerns about financial stability. The Bank of Korea pointed out the growing use of leveraged investments and the possibility of expanded loan defaults due to changing financial conditions.
Penggunaan rekening overdraft (kredit limit) di lima bank utama Korea Selatan telah mencapai tingkat tertinggi dalam 3 tahun 8 bulan, memperparah fenomena 'investasi berbasis utang'. Pada akhir Juni, saldo overdraft individu di lima bank utama mencapai 43 triliun 336,3 miliar won, level tertinggi sejak pandemi COVID-19. Tingkat pemanfaatan batas overdraft rata-rata juga mencapai 44,8%, tertinggi sejak pandemi. Peningkatan volatilitas pasar saham mendorong penggunaan overdraft yang lebih besar untuk mengamankan likuiditas jangka pendek, menimbulkan kekhawatiran tentang stabilitas keuangan. Bank of Korea menunjukkan peningkatan penggunaan investasi berleverage dan kemungkinan perluasan kredit bermasalah akibat perubahan kondisi keuangan.
