DOI QR코드

DOI QR Code

금융권 가계부채 위험증가에 따른 금융감독원 관리방안에 관한 연구

Study on Management Plan of the Financial Supervisory Service According to Increase of Risk of Household Debts

  • 이윤홍 (세종대학교 산업대학원 부동산학과)
  • Lee, YunHong (Department of Real Estate at Industry, Sejong University)
  • 투고 : 2018.01.04
  • 심사 : 2018.01.22
  • 발행 : 2018.03.31

초록

정부는 낮은 경제성장률을 극복하기 위해 부동산 활성화정책을 도입하였다. 정부가 추진한 부동산 활성화정책은 규제를 낮춰 대출한도를 높였고, 기준금리도 인하하여 부동산 투자비용을 절감시켰다. 부동산투자를 활성화하기 위해 다주택자에게 양도세 부과를 유예하고, 전매제한도 해지시켰다. 부동산규제 완화는 주택매매 증가와 가격상승으로 이어졌고, 분양아파트는 단기간에 분양이 완료되어 프리미엄이 형성되는 등 부동산시장이 과열양상으로 전환되었다. 이러한 시장분위기는 본인의 소득이 아닌 금융권 '부채의존형'으로 주택을 소유하게 되어 가계대출이 크게 증가되었다. 2017년부터는 가계대출 축소를 위해 부동산대책이 강화되었고, 기준금리도 상승하여 대출 금리도 높아진 만큼, 가계부채 부담은 더욱 증가될 것으로 판단된다. 본 연구논문은 가계부채의 발생 원인과 문제점을 분석하여 금융감독원이 금융권을 효율적으로 관리할 수 있는 방안을 제안하고자 한다.

The government adopted activation policy of real estate to overcome low economic growth rate. Real estate activation plan adopted by the government raised credit limit by lowering the regulation, and reduced real estate investment cost by reducing the base rate. Also, delayed transfer tax on multi-house owner to activate real estate investment and resolved purchase right resale. Relief of real estate regulate caused increase of housing sales and price increase, and the real estate market changed to overheating aspect such as premium upon completion of lot sale in a short time. Such market atmosphere greatly increased household debs as owners own houses based on 'financial debt' instead of their income. Since 2017, real estate policy was reinforced to reduce household debts and lending rate was raised due to rise of base rate, accordingly, burden of household debt is expected to increase. This research suggested a plan for the Financial Supervisory Service to efficiently manage the financial world by analyzing the cause and problem of household debs.

키워드

참고문헌

  1. Cho, Y. M. (2017). "Proposal for household debt policy of the new government." LG Economic Research Institute.
  2. Hong, J. H. (2011). "Solutions to the Household Debt Crisis in Korea." Korean Association of Applied Economics, 13(2), pp. 169-190.
  3. Jung, J. H. (2013). "Prospect and task of real estate policy of Park Geun-hye government : Focus on 4.1 real estate policy." The Korean Association for Policy Studies Spring conference.
  4. Kim, E. K. (2017). "Cause of recent household debt increase and countermeasure of banks along with change in loan regulation." IBK investment security report.
  5. Kim, S. J., Kim, J. S., and Jang, H. S. (2016). "The policy implication of Mortgage loans regulation." Journal of the Residential Environment Institute of Korea, 14(4) pp. 91-101. https://doi.org/10.22313/reik.2016.14.4.91
  6. Kim, W. J. (2017). "Review of household insolvency risk and implication along with housing market environment change." Hana Financial Group management research report.
  7. Kim, Y. D. (2017). "Advancement policy of financial company credit review." Korea Development Institute (KDI) conference.
  8. Kim, Y. I. (2017). "Analysis and implication of household debt compensation for postponement calculation system: Focus on housing secured loan." Korea Development Institute (KDI) conference.
  9. Lee, Y. H. (2018). "A Study on the Effect and Improvement Direction of the Credit Rating of Large Construction Firms by the Reinforced Real Estate Regulations and the Raising of the Base Rate." Korean Journal of Construction Engineering and Management, KICEM, 19(1), pp. 90-102. https://doi.org/10.6106/KJCEM.2018.19.1.090
  10. Lim, D. B. (2013). "A Study on LTV.DTI and Household Debt, Housing Prices." Journal of Korea Planning Association, 48(3), pp. 119-134.
  11. Park, B. S., and Kim, H. J. (2014). "A Study on the Effects of Insolvency Factors of Urban Household Debt: Focused on the Household Living in Seoul." Journal of the Korean Urban Management Association, 27(3), pp. 33-59.
  12. Park, D. K., and Choi, W. J. (2015). "A Cross Country Study on the Determinants of Household Debt." Journal of Economic Studies, 33(1), pp. 75-98.
  13. Yoo, K. W., and Kim, K. H. (2016). "Analysis on the Risk of Household Debt: Focusing on Gyeonggi Province." Journal of Korea Economic Studies, 34(3), pp. 75-125.
  14. Ministry of Land, Infrastructure and Transport. (2017). "Governmental General countermeasure for Household debt." Press release, pp.1-46.