저축은행.여전업권 DSR 시범도입(여신심사가이드라인 도입) 및 상호금융권 DER.RTI 산정방식 개선

<p style='margin: 0px; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size:12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;'>저축은행ㆍ여전업권 DSR 시범도입<p style='margin: 0px; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size:12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;'>(여신심사가이드라인 도입)<p style='margin: 0px; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size:12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;'>상호금융권 DSRㆍRTI 산정방식 개선<p style='margin: 0px; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size:12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;'> <p style='margin: 0px; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size:12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;'>        금융위원회         등록일   2018-10-22<p style='margin: 0px; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size:12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;'> <p style='margin: 0px; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size:12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;'> <p style='margin: 0px; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size:12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;'>1. 저축은행과 여전업권에 <p style='margin: 0px; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size:12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;'>여신심사가이드라인 등이 도입됩니다.<p style='margin: 0px; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size:12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;'> <p style='margin: 0px; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size:12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;'>◦(가계대출) 모든 대출시 DSR 산출 ․ 자율활용(시범도입)<p style='margin: 0px; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size:12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;'> <p style='margin: 0px; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size:12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;'>* 2019년 상반기부터 관리지표로 활용할 계획<p style='margin: 0px; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size:12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;'> <p style='margin: 0px; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size:12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;'>◦(개인사업자대출) <p style='margin: 0px; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size:12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;'> 부동산임대업 이자상환비율(RTI) 산출․적용, <p style='margin: 0px; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size:12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;'> 1억원초과 대출 소득대비 대출비율(LTI) 산출․활용<p style='margin: 0px; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size:12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;'> <p style='margin: 0px; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size:12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;'>◦(용도외유용 점검기준) <p style='margin: 0px; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size:12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;'> 개인사업자대출이 주택구입 등 가계대출 <p style='margin: 0px; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size:12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;'> 규제회피 수단으로 이용되지 않도록 점검 강화<p style='margin: 0px; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size:12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;'> <p style='margin: 0px; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size:12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;'>2. 상호금융권 DSR․ RTI 산정방식도 <p style='margin: 0px; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size:12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;'>은행권에 맞추어 개선됩니다.<p style='margin: 0px; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size:12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;'> <p style='margin: 0px; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size:12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;'>* DSR은 그간 은행권 운영과정에서 나타난 <p style='margin: 0px; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size:12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;'>  개선사항 등을 반영하여 소득․부채 산정방식을<p style='margin: 0px; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size:12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;'>  합리적으로 개선<p style='margin: 0px; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size:12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;'> <p style='margin: 0px; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size:12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;'>* RTI는 부적절한 운영 등을 방지하기 위해 <p style='margin: 0px; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size:12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;'>  불합리한 예외사유 폐지 등<p style='margin: 0px; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size:12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;'> <p style='margin: 0px; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size:12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;'> <p style='margin: 0px; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size:12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;'>[참고]<p style='margin: 0px; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size:12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;'>DSR 관리지표 도입방안 및 RTI제도 운영개선방안은<p style='margin: 0px; color: rgb(0, 0, 0); text-transform: none; text-indent: 0px; letter-spacing: normal; font-family: "Malgun Gothic"; font-size:12pt; font-style: normal; font-weight: 400; word-spacing: 0px; white-space: normal; orphans: 2; widows: 2; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;'><a href="https://gostock66.blogspot.com/2018/10/dsr-rti.html">https://gostock66.blogspot.com/2018/10/dsr-rti.html</a> <img src="https://t1.daumcdn.net/cfile/cafe/99A0C33B5BCE523C2A" class="txc-image" width="581" style="clear: none; float: none;" border="0" vspace="1" hspace="1" data-filename="001.png" exif="{}" actualwidth="581" id="A_99A0C33B5BCE523C2A1025"/> <img src="https://t1.daumcdn.net/cfile/cafe/99A1423B5BCE523C2A" class="txc-image" width="585" style="clear: none; float: none;" border="0" vspace="1" hspace="1" data-filename="002.png" exif="{}" actualwidth="585" id="A_99A1423B5BCE523C2AC720"/> <img src="https://t1.daumcdn.net/cfile/cafe/999B8B3B5BCE523D2B" class="txc-image" width="581" style="clear: none; float: none;" border="0" vspace="1" hspace="1" data-filename="003.png" exif="{}" actualwidth="581" id="A_999B8B3B5BCE523D2B5185"/> <img src="https://t1.daumcdn.net/cfile/cafe/999EDE3B5BCE523E2A" class="txc-image" width="584" style="clear: none; float: none;" border="0" vspace="1" hspace="1" data-filename="004.png" exif="{}" actualwidth="584" id="A_999EDE3B5BCE523E2A4526"/> <img src="https://t1.daumcdn.net/cfile/cafe/99A6843B5BCE523E2A" class="txc-image" width="584" style="clear: none; float: none;" border="0" vspace="1" hspace="1" data-filename="005.png" exif="{}" actualwidth="584" id="A_99A6843B5BCE523E2AC8F0"/> <img src="https://t1.daumcdn.net/cfile/cafe/99A6213B5BCE523E2A" class="txc-image" width="582" style="clear: none; float: none;" border="0" vspace="1" hspace="1" data-filename="006.png" exif="{}" actualwidth="582" id="A_99A6213B5BCE523E2A96DF"/> <img src="https://t1.daumcdn.net/cfile/cafe/99A6E63B5BCE523F2A" class="txc-image" width="586" style="clear: none; float: none;" border="0" vspace="1" hspace="1" data-filename="007.png" exif="{}" actualwidth="586" id="A_99A6E63B5BCE523F2A6BD0"/> <img src="https://t1.daumcdn.net/cfile/cafe/99A6EF3B5BCE523F2A" class="txc-image" width="587" style="clear: none; float: none;" border="0" vspace="1" hspace="1" data-filename="008.png" exif="{}" actualwidth="587" id="A_99A6EF3B5BCE523F2AC235"/> <img src="https://t1.daumcdn.net/cfile/cafe/991DAB385BCE523F2B" class="txc-image" width="587" style="clear: none; float: none;" border="0" vspace="1" hspace="1" data-filename="009.png" exif="{}" actualwidth="587" id="A_991DAB385BCE523F2BAFD5"/> <img src="https://t1.daumcdn.net/cfile/cafe/992777385BCE52402A" class="txc-image" width="587" style="clear: none; float: none;" border="0" vspace="1" hspace="1" data-filename="010.png" exif="{}" actualwidth="587" id="A_992777385BCE52402A582E"/>