Widening deposit-borrowing differential 예대금리차이확대가 대출기관에 부당하게 이익을 주는가?

[김우정]

은행의 주 수입원은 예금과 대출의 금리차이입니다.
그동안 은행들은 두가지 방법으로 수익을 극대화 해왔습니다.
예대금리차이인 예대마진을 늘리거나 이자율의 인상인하시기를 운행이 유리한 방향으로 조정하는 것입니다.
금융위원회가 적정한 예대마진 가이드라인을 정하고 시행하면 어떨까요?
 
Does widening deposit-borrowing differential unduly benefit lenders?
예대금리차이확대가 대출기관에 부당하게 이익을 주는가?

By Lee Kyung-min 이경민 기자
Posted : 2024-08-05 06:39 Updated : 2024-08-05 06:39
Korea Times

Gettyimagesbank 게티 이미지뱅크

Major commercial lenders are trimming deposit rates while hiking borrowing rates, in what market participants say is a "self-serving" excuse to boost their interest income at borrowers' expense, Sunday.
주요 시중은행들은 대출금리를 올리면서 예금금리를 인하하고 있는데, 시장 참가자들은 이것이 대출자들의 비용으로 이자수입을 늘리기 위한 "자가적인" 핑계라고 일요일 말한다.

The lenders continue to lower deposit rates, citing expectations of the U.S. Federal Reserve easing, accompanied by economic downturn concerns. The collective claim is gathering pace across the equity market, as evidenced by falling U.S. Treasury yields and a subsequent ticking down in Korea's market rates.
금융기관들은 경기 침체 우려를 동반한 미 연준의 완화 기대를 이유로 예금금리를 계속 내리고 있다. 이 집단적 청구는 미 국채금리 하락과 이에 따른 한국의 시장금리 하락에서 입증되듯이 주식시장 전반에서 속도를 내고 있다.

However, borrowing rates remain high due to compliance with financial authorities' household debt-curbing measures. The combined balance of household loans granted by Korea's top five banks came to 715.7 trillion won ($525 billion) as of the end of July. The 39-month high and a month-on-month increase of over 7 trillion won is an alarming continuation in the debt buildup since April.
그러나, 금융당국의 가계부채 억제책을 준수하고 있기 때문에 차입금리는 여전히 높은 상태이다. 한국의 5대 은행들이 부여한 가계대출 잔액을 합치면 7월말 현재 715.7조원에 달한다. 39개월만에 최고치를 기록했고 전월대비로는 7조원 이상 증가한 것은 4월 이후 부채 증가의 심상치 않은 연속이다.

According to market sources, deposit rates of the five — KB Kookmin, Shinhan, Hana, Woori and NH NongHyup — will be lowered by 0.2 percentage points starting Monday.
시장에 따르면 KB국민 신한 하나 우리 NH농협 등 5개 은행의 예금금리는 24일부터 0.2%포인트 인하된다.

They say a recent downtrend in bank debenture rates and market rates should be reflected in the retail products.
최근 은행채 금리와 시장금리 하락 추세를 소매상품에 반영해야 한다는 것이다.

And yet, borrowing rates are higher.
그럼에도 불구하고 차입 금리는 더 높다.

The fixed mortgage rates provided by the five tracked up to over 3 percent in mid-June, according to Friday data. It ended 45 days of below-3 percent borrowing rates for home buyers since 2021.
금요일 자료에 따르면 6월 중순 5개국이 제공한 고정 주택담보대출 금리는 최대 3%를 넘어섰다. 이는 2021년 이후 45일간 주택 구매자들의 3% 미만의 대출금리 기록이 끝난 것이다.

Their floating rates came to a range of between 3.03 percent and 5.204 percent, as of Friday. The floor for the rate climbed 0.19 percentage points from July 19.
변동금리는 3.03%~5.204%로 금요일 현재 기준이다. 기준금리는 7월19일보다 0.19%포인트 올랐다.

The uptick is highly unusual since the floor for the benchmark five-year bank debenture rates came to 3.204 percent, down 0.141 percentage points over the same period.
5년 만기 은행채 금리의 기준치가 3.204%로 같은 기간 0.141%포인트 하락했기 때문에 이 같은 상승세는 매우 이례적이다.

Even the market rate, as measured by the benchmark cost of funds index, remained unchanged at 3.52 percent.
심지어 기준자금비용지수로 측정한 시장금리도 3.52%로 변동이 없었다.

"Banks will lower deposit rates in line with global market developments. However, borrowing rates will remain outside the scope of the normal rate adjustments due to concerns specific to Korean household debt vulnerabilities," an industry official said.
업계 관계자는 "은행들은 글로벌 시장 상황에 맞춰 예금금리를 내릴 것"이라며 "다만 한국 가계부채 취약성에 대한 우려로 차입금리는 정상적인 금리 조정 범위를 벗어날 것"이라고 말했다.

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#debtbuildup부채증가