经济低迷 韩国主要信用卡违约率创十年来新高

Group 1: Credit Card Default Rates - South Korea's major credit card default rates have reached the highest level in a decade in Q1 2023 due to prolonged economic downturn [1] - Hana Card's default rate is 2.15%, up 0.21 percentage points from the previous quarter and 0.28 percentage points from the same period last year, marking the highest since its issuance in December 2014 [1] - Kookmin Bank and Shinhan Card both have default rates of 1.61%, the highest since the end of 2014 and Q3 2015 respectively [1] Group 2: Loan Default Rates - As of the end of February, the overdue loan rate for Korean banks reached 0.58%, an increase of 0.05 percentage points from the previous month and 0.07 percentage points from the same period last year, the highest since November 2018 [1] - The financial pressure on small and medium-sized enterprises (SMEs) and individual business owners is increasing due to weak domestic demand and high interest rates [1] Group 3: Economic Outlook - Continuous cash flow issues have led to rising loan default rates among individual business owners, with expectations of further increases as the operating conditions worsen for SMEs [2] - South Korea's economy has shown signs of weakness in 2024, with declines in production, consumption, and investment [2] - Various institutions, including the Bank of Korea, have downgraded the economic growth forecast for 2025 to 1.9%, with further concerns for 2026 at only 1.8% [2]