Core Insights - The average credit score of personal loan borrowers from South Korea's five major commercial banks has reached a historic high due to strict government regulations [1] - The government implemented stringent loan restrictions on June 27, requiring banks to cut personal loan volumes to half of their original targets for the second half of the year [1] - As a result of tightened loan standards, low-credit individuals have been excluded from the formal financial system, leading to an increase in illegal lending, with 61,000 people turning to such markets last year [1] Loan Growth Trends - Despite the regulatory environment, the growth rate of personal loan balances at the five major banks accelerated again in August, reaching 760.8845 trillion won as of August 7, an increase of 1.9111 trillion won from the end of July [1] - The increase in housing mortgage loans accounted for 579.6 billion won, while credit loans rose by 1.0693 trillion won, driving the overall growth [1] - If the current trend continues, the increment in personal loans this month may reach the highest level since August of the previous year [1]
韩商业银行个人贷款门槛创新高
Shang Wu Bu Wang Zhan·2025-08-21 17:19