Household debt-to-GDP ratio falls below 100% GDP대비 가계부채비율 100%아래로 하락

[김우정]

GDP대비 가계부채비율이 3년6개월만에 100% 아래로 떨어졌습니다.

그러난 한국의 GDP대비 가계부채비율은 98%로 34개국중 1위입니다.

코비드 기간중인 2022년 1분기 에는 105.5%로 최고치를 기록했습니다.

이창용 한은 총재는 궁극적으로 80%까지 낮추는 것이 목표라고 말했습니다.

Household debt-to-GDP ratio falls below 100% for first time in over 3 years
국내총생산(GDP) 대비 가계부채 비율, 3년여 만에 처음으로 100% 아래로 하락

By Lee Yeon-woo 이연우 기자
Posted : 2024-05-09 16:49 Updated : 2024-05-09 16:52
Korea Times

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Korea's household debt-to-GDP ratio fell below 100 percent for the first time in three and a half years, influenced by monetary tightening that began in 2021.
2021년부터 시작된 통화긴축의 영향으로 국내총생산(GDP) 대비 가계부채 비율이 3년 6개월 만에 100% 아래로 떨어졌다.

A ratio exceeding 100 percent indicates that total household debt surpasses the country's entire economic output.
비율이 100%를 넘으면 총 가계부채가 국가전체 경제생산을 능가한다는 것을 의미한다.

According to the Institute of International Finance's recent report, titled "Global Debt Monitor: Navigating the New Normal," Korea's household debt-to-GDP ratio was the highest among the 34 countries studied as of the first quarter of 2024, at 98.9 percent. The eurozone was calculated as a single economy.
국제금융연구원의 "글로벌 부채 모니터: 뉴노멀 탐색"이라는 제목의 최근 보고서에 따르면, 한국의 GDP 대비 가계 부채 비율은 2024년 1분기 기준으로 연구 대상인 34개국 중 98.9%로 가장 높았다. 유로존은 단일 경제로 계산되었습니다.

The ratio was followed by Hong Kong at 92.5 percent, Thailand at 91.8 percent, Britain at 78.1 percent and the United States at 71.8 percent.
이어 홍콩 92.5%, 태국 91.8%, 영국 78.1%, 미국 71.8% 순이었다.

Since the start of the COVID-19 pandemic in 2020, Korea has maintained its status as the country with the highest household debt-to-GDP ratio. It reached its peak at 105.5 percent in the first quarter of 2022.
우리나라는 2020년 코로나19 팬데믹이 시작된 이후 GDP 대비 가계부채 비율이 가장 높은 국가의 지위를 유지하고 있다. 2022년 1분기 105.5%로 최고치를 기록하였다.

However, this time, the ratio has dropped into the 90 percent range.
하지만 이번에는 이 비율이 90%대로 떨어졌다.

Compared to a year ago, the country's decrease in household debt was the fourth-largest at 2.6 percentage points, following Hong Kong at 3.8 percentage points, Britain at 3.5 percentage points and the U.S. at 2.8 percentage points.
1년 전과 비교하면 가계부채 감소폭은 2.6%포인트로 홍콩(3.8%포인트), 영국(3.5%포인트), 미국(2.8%포인트)에 이어 네 번째로 컸다.

This indicates that the Bank of Korea (BOK) has succeeded in its initial goal of reducing the debt ratio.
이는 한국은행이 당초 목표인 부채비율 축소에 성공했음을 나타낸다.

"When the household debt-to-GDP ratio surpasses 80 percent, it can potentially hinder economic growth and financial stability. Consequently, the goal is to gradually reduce this ratio, currently above 100 percent, down to 90 percent, and ultimately to 80 percent," BOK Gov. Rhee Chang-yong said last August.
"국내총생산 대비 가계부채 비율이 80%를 넘어서면, 잠재적으로 경제 성장과 금융 안정을 저해할 수 있습니다. 결과적으로, 현재 100%를 상회하고 있는 비율을 점진적으로 낮추어 90%까지 낮추어 궁극적으로 80%까지 낮추는 것이 목표이다,"라고 지난 8월 이창용 한국은행 총재가 말했다.

#household debt-to-GDP ratio가계부채대비국내총생산 비율 #monetarytightening통화긴축 #economicoutput경제생산 #InstituteofInternationalFinance국제금융연구원 #COVID-19 pandemic코로나19팬데믹 #financialstability금융안정 #BankofKorea(BOK)한국은행 #economicgrowth경제성장 #BOK Gov. Rhee Chang-yong한국은행총재이창용 #globaldebtmonitor글로벌부채모니터