주담대·스탁론 막힌 온투업, 중금리로 활로…한 달 새 824억↑ | 연합뉴스
On-two Industries, blocked by 주담대 and stock opinions, finds a way out through high interest rates... Up 824 billion won in a month | Yonhap News
On-Tu Corp., yang terhambat oleh isu tanggung jawab dan spekulasi saham, menemukan jalan keluar melalui suku bunga tinggi; nilai perusahaan naik 824 miliar won dalam sebulan. | Yonhap News
온라인 투자 연계 금융 업체(온투업)는 주택담보대출과 스탁론 등 기존 상품이 금융당국의 규제로 어려움을 겪으면서 저축은행 연계 중금리 개인신용대출로 활로를 찾고 있습니다. 7월 말 기준 온투업체의 저축은행 연계 대출 잔액은 처음으로 5천억원을 넘어섰으며, 누적 취급액은 작년 7월 대비 약 48배 증가했습니다. 이는 온투업체가 새로운 수익처를 모색하고, 저축은행이 중금리 대출 확대 필요성이 커 대출 창구 다변화를 추진했기 때문입니다. 하지만, 온투업계의 새로운 먹거리는 아직 충분한 대안이 될 수준은 아니며, 혁신금융서비스 지정을 받은 저축은행 중 절반만 참여하고 있습니다. 온투업계는 내년 여신업 등으로 연계 대상을 확대하려 하지만 금융당국은 아직 검토 중입니다.
Online investment-linked financial companies (on-line investment linked financial company) are finding opportunities in savings bank-linked high-interest personal loans as existing products such as housing mortgage loans and stock loans face difficulties due to regulations by financial authorities. As of the end of July, the outstanding balance of savings bank-linked loans by on-line investment linked financial companies exceeded 500 billion won for the first time, and the cumulative transaction amount increased by about 48 times compared to last July. This is because on-line investment linked financial companies are seeking new sources of income, and savings banks have a growing need to expand high-interest loans and are promoting diversification of loan channels. However, the new source of income for the on-line investment linked financial industry is not yet at a level that can be considered a sufficient alternative, and only half of the savings banks designated as innovative financial services are participating. The on-line investment linked financial industry plans to expand its linked targets to include lending next year, but the financial authorities are still reviewing it.
Perusahaan keuangan yang terhubung dengan investasi online (on-tu up) sedang mencari jalan keluar melalui pinjaman pribadi kredit konsumsi berbunga tinggi yang terkait dengan bank tabungan, karena produk yang ada sebelumnya seperti pinjaman hipotek dan pinjaman saham menghadapi kesulitan akibat peraturan otoritas keuangan. Pada akhir Juli, saldo pinjaman perusahaan on-tu up yang terkait dengan bank tabungan pertama kali melebihi 500 miliar won, dan jumlah total yang ditangani meningkat sekitar 48 kali dibandingkan dengan Juli tahun lalu. Ini karena perusahaan on-tu up sedang mencari sumber pendapatan baru, dan bank tabungan membutuhkan perluasan pinjaman berbunga tinggi sehingga mendorong diversifikasi saluran pinjaman. Namun, sumber pendapatan baru di industri on-tu up belum mencapai tingkat yang cukup sebagai alternatif, dan hanya setengah dari bank tabungan yang ditunjuk sebagai layanan keuangan inovatif yang berpartisipasi. Industri on-tu up berencana untuk memperluas mitra terkait dengan layanan kredit tahun depan, tetapi otoritas keuangan masih meninjau hal tersebut.
