刚刚宣布，不降息！

Core Viewpoint - The Bank of Korea has decided to maintain the benchmark interest rate at 2.50%, aligning with market expectations and reflecting a cautious approach to monetary policy amid economic uncertainties [2][3]. Group 1: Economic Growth Projections - The Bank of Korea forecasts a GDP growth rate of 1.0% for this year and 1.8% for next year, with domestic demand expected to recover primarily through consumption [7][9]. - Recent surveys indicate an upward revision of growth forecasts, with expectations for this year's growth increasing from 0.9% to 1.0% and next year's from 1.6% to between 1.8% and 1.9% [7][9]. Group 2: Monetary Policy Considerations - The decision to keep the interest rate unchanged is influenced by rising inflation, ongoing economic improvements driven by consumption and exports, and the need to assess domestic and international policy conditions [7][9]. - The Bank of Korea's cautious stance on further monetary easing is attributed to high household debt levels, risks in the real estate market, and recent signs of rising inflation [10]. Group 3: Financial Stability Risks - The monetary policy committee has highlighted the need to be vigilant regarding risks associated with housing prices, household debt, and increased volatility in exchange rates [9][10]. - The depreciation of the Korean won against the US dollar has raised concerns, with local funds increasing overseas investments, potentially triggering actions from the National Pension Service [10].