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홍차넷
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뉴스
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- 새로운 뉴스를 올려주세요.
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전체기타정치IT/컴퓨터방송/연예스포츠경제문화/예술사회게임의료/건강과학/기술국제외신
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| Date |
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| Name | 구밀복검 |
| Subject | 마지막 돈줄마저 말라가는 서민들 |
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https://www.chosun.com/economy/economy_general/2023/11/23/PVBEIXY3GNCSZBCYGR6IKVGR2Q/ 22일 한국대부금융협회에 따르면, 국내 상위 69개 대부업체의 지난 9월 신규 대출액은 834억원으로, 지난해 9월(2420억원)보다 66% 급감했다. 저축은행들도 담보가 없는 신용대출을 줄이는 추세다. 국민의힘 김희곤 의원이 금융감독원에서 받은 자료에 따르면 자산 상위 5개 저축은행(SBI·OK·웰컴·페퍼·한국투자)의 올 상반기 저신용자(신용점수 하위 20%) 대출 신규 취급액은 총 1조3947억원이다. 지난해 전체(4조1901억원)의 3분의 1에 불과하다... 대부업체들은 “금리 상승으로 조달 금리는 높아졌는데, 법정(法定) 최고금리가 너무 낮아서 대출을 해봤자 손해를 보기 때문에 신규 대출을 줄일 수밖에 없다”는 입장이다. 예금을 받을 수 없는 대부업체들은 주로 저축은행이나 캐피털 회사에서 빌린 돈으로 대출을 해준다. 그런데 고금리 때문에 대부업체의 차입금리가 연 10%안팎으로 높아졌는데, 최고 금리는 2021년 7월부터 연 20%로 묶여 있어 연체율 등을 감안하면 수지가 안 맞는다는 것이다... 제도권 대출이 막히면서 서민들은 불법 사금융에 노출되고 있다. 올 상반기 금감원에 접수된 불법 사금융 피해 신고 및 상담 건수는 6784건으로 지난해 상반기(5037건)보다 35% 늘었다. 코로나 사태 이전인 2019년 상반기(2459건)의 2.8배에 달한다. https://www.metroseoul.co.kr/article/20231122500654 ...10월 카드론 잔액은 한 달 전인 9월(38조4170억원)과 비교하면 3235억원 증가했다. 올해 8월에서 9월 카드론 취급액이 2680억원 줄어든 것을 감안하면 연말에 가까워질수록 급전이 필요한 차주가 늘어나고 있다는 설명이다. 건전성 제고의 일환으로 대출 문턱을 높였지만 공염불에 그쳤다. 지난 9월 신용점수 500점 미만의 차주에게 대출을 취급한 카드사는 단 한 곳도 없었다. 아울러 신한·KB국민카드를 제외한 모든 카드사들이 신용점수 601점 이상의 소비자에게만 대출을 내줬다. 그럼에도 카드론이 증가한 배경에는 급전이 필요한 소비자 중 고신용 차주가도 대거 포함됐다는 해석이다... ...리볼빙 잔액은 7개월 연속 증가세를 유지하고 있다. 매달 사상 최대치를 경신하고 있다... 현금서비스는 올해 처음 7조원을 돌파했다. 통상 현금서비스는 카드론 대비 상환 기간이 짧은 만큼 선호도가 떨어진다. 인기가 떨어지는 만큼 6조원대에서 등락을 반복했으나 결국 7조원대에 진입한 것이다. https://www.donga.com/news/Economy/article/all/20231122/122310288/1 22일 국회 기획재정위원회 소속 더불어민주당 양경숙 의원이 한국은행에서 받은 자료에 따르면 올해 6월 말 기준 전국 자영업 다중채무자의 전체 금융기관 대출 잔액은 743조9000억 원으로 1년 새 6.2% 증가했다. 같은 기간 자영업 다중채무자 수도 3.2% 늘어난 177만8000명으로 역대 가장 많았다. 다중채무자는 금융사 3곳 이상에서 돈을 빌린 대출자를 말한다. 자영업 다중채무자들의 신용 상황은 1년 새 크게 악화됐다. 연체액은 5조2000억 원에서 13조2000억 원으로 대폭 늘었고, 연체율도 0.75%에서 1.78%로 치솟았다. 연체액과 연체율 모두 역대 최고 수준이다. 1인당 평균 대출액도 4억1800만 원으로 2020년 3월 말(4억3000만 원) 이후 39개월 만에 가장 많았다... 고금리가 오랫동안 이어지면서 당장 빚을 감당할 수 없어 ‘돌려막기 대출’로 사태를 수습하는 서민들이 늘고 있다. 여신금융협회에 따르면 올해 10월 신용카드 9개사(롯데·BC·삼성·신한·우리·하나·현대·KB국민·NH농협)의 카드론 대환대출 잔액은 1조4903억 원으로 1년 전(1조101억 원)보다 약 47.5% 급증했다. 전월과 비교하면 6.3%가량 늘었다. 사회 이곳 저곳에서 물 빠지는 소리가 들리는군요 내년이 정말 찐 고비가 될 수도.. Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 133 Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 146 Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 161 3 이 게시판에 등록된 구밀복검님의 최근 게시물
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290112 class="iamcmt" style="display:none;"> Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 66
290112 class='vcm '>
Warning: Use of undefined constant x - assumed 'x' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 70
Warning: Use of undefined constant x - assumed 'x' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 71
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 76
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 117
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 118
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 119
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 120
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 121
290112'> 산타는옴닉
Warning: Use of undefined constant mod_date - assumed 'mod_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 133
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 140
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 140
Warning: Use of undefined constant reg_date - assumed 'reg_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 142
23/11/26 10:18
290112>삭제 주소복사
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 150
https://local12.com/news/nation-world/despite-rising-household-debt-holiday-spending-set-to-break-recor... 더 보기
https://local12.com/news/nation-world/despite-rising-household-debt-holiday-spending-set-to-break-records-in-us-black-friday-cyber-monday-thanksgiving-day-shopping-frenzy-national-retail-federation
모로네는 체포되었습니다. 밀라노공국은 운을 다한 것입니다. 불행하게도 그가 생각한 것을 다른 군주들도 생각하게 될 것 같습니다. 고칠 약은 이미 없습니다. 하다못해 사육제라도 즐겁게 보냅시다그려. 수도원에 바르바라의 숙소라도 정해놓고. 그 녀석들 미치겠지만 말이오. 내 몫은 필요없소. 마리코스타에게 안부 전해주시오. 그리고 상연은 어떻게 실현시킬 참인지 알려주시기 바랍니다.
나는 '역사'를 쓰기 위해 100두카토를 받는 신분이 되었소. 지금 새로 쓰기 시작했지요. 우리를 현재 이런 상황에 몰아넣은 군주들을 비난함으로써 시름을 달래면서 말이오.
-역사가, 희극작가, 비극작가 니콜로 마키아벨리-
모로네는 체포되었습니다. 밀라노공국은 운을 다한 것입니다. 불행하게도 그가 생각한 것을 다른 군주들도 생각하게 될 것 같습니다. 고칠 약은 이미 없습니다. 하다못해 사육제라도 즐겁게 보냅시다그려. 수도원에 바르바라의 숙소라도 정해놓고. 그 녀석들 미치겠지만 말이오. 내 몫은 필요없소. 마리코스타에게 안부 전해주시오. 그리고 상연은 어떻게 실현시킬 참인지 알려주시기 바랍니다.
나는 '역사'를 쓰기 위해 100두카토를 받는 신분이 되었소. 지금 새로 쓰기 시작했지요. 우리를 현재 이런 상황에 몰아넣은 군주들을 비난함으로써 시름을 달래면서 말이오.
-역사가, 희극작가, 비극작가 니콜로 마키아벨리-
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 158
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 166
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 172
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
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