한은 "금리 0.25%p 오르면 가계 3.3조·기업 3.7조 이자부담↑" | 연합뉴스
The Bank of Korea said that if interest rates rise by 0.25 percentage points, household interest payments will increase by 3.3 trillion won and corporate interest payments will increase by 3.7 trillion won. | Yonhap News Agency
Bank of Korea: "Kenaikan suku bunga 0,25%p akan meningkatkan beban bunga rumah tangga sebesar 3,3 triliun won dan perusahaan sebesar 3,7 triliun won" | Yonhap News
한국은행은 최근 기준금리 인상이 가계부채 증가와 수도권 주택가격 상승으로 인한 금융취약성 완화에 기여할 것으로 전망했습니다. 하지만 금리 인상은 대출금리 상승을 통해 차주의 이자 부담과 연체 위험을 높일 수 있다는 우려도 제기되었습니다. 한은은 기준금리 0.25%p 인상 시 가계의 이자 부담이 약 3.3조원, 기업의 이자 부담이 약 3.7조원 증가할 것으로 예상했습니다. 특히 기업은 상대적으로 부채 비율과 변동금리 대출 비중이 높아 금리 인상에 더 큰 영향을 받을 수 있습니다. 따라서 한은은 통화정책과 거시건전성 정책의 상호보완적인 운용과 재정정책을 통한 보완적인 정책 공조가 필요하다고 강조했습니다.
The Bank of Korea recently projected that raising the benchmark interest rate would contribute to mitigating financial vulnerabilities caused by increasing household debt and rising housing prices in the metropolitan area. However, concerns have also been raised that the interest rate hike could increase the interest burden on borrowers and the risk of delinquency through rising loan interest rates. The BOK estimated that a 0.25%p increase in the benchmark interest rate would result in an increase of approximately 3.3 trillion won in interest burden for households and 3.7 trillion won for corporations. In particular, corporations are more likely to be significantly affected by the interest rate hike due to their relatively high debt ratios and floating-rate loan proportions. Therefore, the BOK emphasized the need for complementary operation of monetary policy and macroprudential policy, as well as policy coordination through fiscal policy.
Bank of Korea memperkirakan bahwa kenaikan suku bunga acuan terbaru akan berkontribusi pada pelemahan kerentanan keuangan yang disebabkan oleh peningkatan utang rumah tangga dan kenaikan harga perumahan di wilayah metropolitan. Namun, kekhawatiran juga muncul bahwa kenaikan suku bunga dapat meningkatkan beban bunga peminjam dan risiko gagal bayar melalui kenaikan suku bunga pinjaman. Bank of Korea memperkirakan bahwa jika suku bunga acuan dinaikkan sebesar 0,25%p, beban bunga rumah tangga akan meningkat sekitar 3,3 triliun won, sedangkan beban bunga perusahaan akan meningkat sekitar 3,7 triliun won. Secara khusus, perusahaan cenderung memiliki rasio utang dan proporsi pinjaman dengan suku bunga variabel yang lebih tinggi, sehingga dapat terkena dampak yang lebih besar dari kenaikan suku bunga. Oleh karena itu, Bank of Korea menekankan perlunya pengoperasian kebijakan moneter dan kebijakan stabilitas makro yang saling melengkapi, serta koordinasi kebijakan yang komprehensif melalui kebijakan fiskal.
