Due to the balloon effect ... "Real estate and self-employed businesses need to improve their competitiveness"

Savings bank lending exceeded 50 trillion won only after 5 years and 10 months since December 2011 (50 trillion 237.6 billion won).

Savings bank loans peaked at 65.745 trillion won in May 2010 and steadily declined in the wake of the bankruptcy of savings banks the following year.

In June 2014, it shrunk to 27.5968 trillion won.

However, after reversing the increase, it surpassed the 40 trillion won (40.8 trillion won) wall in July last year.

Since then, the size has increased to 50 trillion won.

The rate of increase also accelerated.

Year-on-year, the single digit growth rate for the first quarter of 2015 is double-digit every month since April.

Especially, from February last year to May this year, the rate of increase was 20%.

The increase in savings bank lending since 2H04 seems to be the result of lower interest rates and deregulation of real estate.

It was at this time that the size of lending by not only savings banks but also other financial institutions increased in earnest.

In addition, special factors such as the balloon effect are added to the increase in savings bank lending.

When the government implemented guidelines for the advancement of credit review last year in order to catch up the surge in household loans, ordinary people who did not cross the threshold of the bank went to savings banks.

This year, the financial authorities tightened up loans to non-bank households as well, which has led to the expansion of savings bank lending.

Savings banks were quick to adjust their business strategies due to the expansion of corporate loans, and demand for self-employed workers suffering from sluggish domestic demand was right, leading to an increase in lending.

The online loans are very easy to get and it takes only a couple of minutes to get the loan deposited into the bank account. 

Growth in savings bank loans is not a happy sign.

Savings bank loans have higher interest rates than ordinary bank loans and borrowers have relatively low credit ratings.

If we enter into a full-fledged interest rate hike, the debt burden of vulnerable groups may increase and lending may become insolvent.

Professor Shin Hong-Ik said, "The government has taken advantage of the balloon effect of two financial institutions such as savings banks as a result of tightening the lending of one financial sector." In the case of corporate loans of two financial institutions, most of them are self-employed and SME loans.

Professor Jeon suggested, "In order to slow down the growth of debt in the financial sector, a customized real estate policy is needed for the surge in housing prices," he said. "We should also find a policy to increase the competitiveness of SMEs and self-employed."

The second half is a real financial product. 

Industrial Bank of Korea 'IBK W Bankbook' is a deposit for employee preferential interest rate. 

Gyeongnam Bank 'Took Credit Credit' is a mobile-only product that lends up to 150 million won. Interest rates are at the lowest 2.85% per annum and there is no intermediate reimbursement fee. 

Tongyang Life '(good) guardian angel better dental insurance' is an item that guarantees unlimited implant, bridge and crown treatment. 

Samsung Card 'SC First Bank Daily Samsung Card' offers discounts of 5% settlement day by industry in public transportation, mobile communication charges, 10 coffee shops, and convenience stores to save commute, communication, and dining expenses. Annual fee 9,900 won. 

PCA Life 'PCA Global Asset Management Variable Pension Insurance' can expect higher profits, and by utilizing the 'Over-Revenue Automatic Transfer Service', you can automatically transfer profits from your investment account to a stable account.

Recently, it has been revealed that the Android phone automatically transferred the personal location information to the Google server without user's consent.

In this regard, the Association of Small Businessmen has criticized Google's behavior as "immoral behavior of global corporations. 

He pointed out that the cumulative location information of users at the time of hacking a terminal is likely to be passed on to a third party, and it is not possible to exclude the possibility that Google may use the data for customized online advertising. According to media reports, an online US media source said, "Despite Google's explanation that it was used to improve the OS messaging function, it is unclear why the information on the base station was collected."

The Association of Small Businesses has criticized Google's actions for collecting location information without permission, stating that it is "immoral behavior of global corporations" in relation to Google's unauthorized acquisition of location information. 

Google has been criticized for being a global company because it is in a blind spot in the application of domestic laws, and it has to be criticized. Soon after, it is necessary to investigate unfair practices of Google and to promote equity with domestic companies.

"In order to eradicate the immoral behavior of portal companies such as Google and Naver, it is essential to establish social institutions and legal and institutional arrangements to achieve the right development based on social consensus." " It needs attention. "  

Meanwhile, in 2014, Google was accused of unauthorized collection of personal information during the preparation of 3D stereoscopic map "Street View" service, and the violation of the "Act on Promotion of Information Network Usage and Information Protection, etc.". 

This time, it is expected that the location information that contains more sensitive personal privacy will be collected and the wavelength will be expanded. 

With the minimum wage of 7530 won coming in 2018, the sighs of businessmen who run the franchise are deepening.

The minimum wage committee decided in July to raise the minimum wage in 2018 by 16.4% from 6470 won in 2017 to a minimum wage of 7530 won in 2018. 

A business or an employer who violates the minimum wage from January 1 to December 31, 2018 must impose a penalty of 3 years or less or a fine of 20 million won or less. 

With the minimum wage, interest rate hike, and intensifying competition, it is anticipated that the household budget of small business owners will be further reduced. 

According to the Korea Food Service Industry Research Institute under the Korea Food and Drug Administration, if the minimum wage increase rate is set at 15.7 percent per year based on changes in the personnel expenses and management structure of the food service industry, it is estimated that labor costs next year will increase by 2.1 trillion won. 

"The franchise industry, such as chicken, pizza and hamburgers, employs mostly part-time workers and delivery workers, but if the minimum wage goes up, you have to consider measures such as reducing the number of employees or reducing working hours, "We have to raise the wages of the employees in the situation that the rents of the store and the prices of the commodities are going up, and it becomes hard to eat more and more." 

The minimum wage is increasing every year from 6030 won in 2016 to 6470 won in 2017. 

A talent-sharing platform has emerged where small businesses can easily and affordably receive professional help. 

Online talent-sharing platform Li Bridge (CEO Kim Young-nam) entered full-scale service. 

'Talent sharing platform' is a professional freelancer and an open market which is used by consumers who need to register their talents (services) on the online site, and there are KMON, GUNNET, and OTTUCH in Korea. 

Lee Bridge is an online platform specifically tailored to small business owners and start-up companies, connecting professionals from diverse fields, from business card production to programming and legal consulting. 

Currently, the service is provided in eight fields including business, marketing, design and programming, and providers can register their services at no additional cost. Users can select experts according to their budget and situation. 

About 60 professional groups (corporations or freelancers) are currently registered. Lee Bridge aims to attract more than 200 professional groups within this year. 

"Lee Bridge is a platform for entrepreneurs and small businesses to meet with diverse and professional service providers," said Kim Young-nam. "We want to serve as a bridge to the stability and development of early or small business people."

Meanwhile, Lee Bridge, currently operating as a global member, plans to enter into a strategic partnership with local Korean merchants association in eight cities in five countries including USA, Germany, Australia, Philippines, and Myanmar in order to implement the online global platform. 

Foreign equity-type funds are sweeping the market funds ahead of the scheduled deadline for tax exemption at the end of this year.

According to KG Zeroin, a fund evaluator on May 5, the number of funds invested in overseas equity-type funds by the first day after the beginning of the year was 2.756 trillion won.

This is in contrast to the 6,155.9 billion won out of domestic equity-type funds during the same period.

In particular, it is estimated that 1.336 trillion won, which is about half of net inflows of foreign equity funds this year, came in last month.

The net inflows of foreign equity-type funds rose to 619 billion won in September and 722 billion won in October.

This is finally the result of investors seeking to participate in tax exemption benefits. ◇ Capital flow trend of domestic and overseas equity funds (Unit: KRW 100 million)

Large type September October November 2017

Domestic stock type -5,213 -15,252 7,676 -61,659

Overseas stock type 6,159 7,022 13,066 27,568

※ Below 2017.12.1, KG provided by Zeroin

As a result, the launch of new products and promotional events for overseas equity funds are continuing.

Hana Financial Investment Co., Ltd. has launched 'One UBS Global Fourth Industry First Place Plus Fund' and 'One UBS China First Place Plus Fund', which are covered by tax exemption the day before. On the same day, Hanwha Asset Management also newly launched 'Hanwha ASEAN Legend Fund'.

The fund supermarket announced on the previous day that 20 of the customers who filled 30 million won of tax exemption limit will be given an event to give musical 'Titanic' ticket by 29th.

Samsung Securities also has various events for non-taxable overseas equity fund customers from last month to the end of the year.

By type, Asian emerging market equity funds outperformed foreign equity funds this year with an average return of 35.52% since the beginning of the year.

Followed by China (33.23 percent), Vietnam (29.81 percent), Asia Pacific (29.35 percent) and India (28.25 percent).

"If you change over from next year, you will not be able to receive tax exemption benefits," said KBS Securities Researcher Ohon Soo. "It is time to take an investment watch in the mid to long-term for tax benefit."

He added, "In the mid- to long-term, Asia is a market where asset prices are likely to rise as the weight of the middle class grows." Taking as much of Asia's emerging economies as possible rates will be a driving force for excess performance.".

◇ Top five overseas equity fund type returns (Unit: 100 million won,%)

type Net assets Yield

Overseas stock type 237,875 24.80

- Emerging Asia stocks 4,931 35.52

- Chinese stocks 90,609 33.23

- Vietnam Stock 7,047 29.81

- Asia Pacific shares (excluding Japan) 12,892 29.35

- Indian stock 8,845 28.25

Stakes spirals, Dongdaemun Fashion myth " online mall" style flies' disposal underwriter selection of 22-year-old when fashion start-up founded in Dongdaemun clothes start with the online sales cosmetics, interior Extending the escort standing department stores and duty-free each seemed beyond ransom 500000000000 founded 12 With a sales of 130 billion won in the first year, Shinsegae Department Store and other cosmetics brands,  

In the domestic fashion industry, 'style Nanda' is a success story of an online mall. The Dongdaemun Marketplace online shopping mall with monthly sales of KRW 10 million grew into a company with sales of KRW 130 billion with sister brands such as Cosmetic Brand 'Three Concept Eyes' (3CE) and 'Speak Under Voice' to be. It has been 12 years since Kim So-hee (pictured) of this company started to sell clothes from Dongdaemun market on the internet. 

Style Nanda is a leading brand that has benefited from online shopping growth and Hallyu. By 2011, Style Nanda had a sales loss of KRW 33.9 billion and an operating loss of KRW 500 million. Korean dramas, movies, and songs became popular worldwide, followed by "K fashion" and "K beauty." The company has exceeded sales of 100 billion won (115.1 billion won) in 2014, It is an evaluation that the young women in their 20s and 30s have focused on the concept of 'sexy slimy', 'sister-in-law', and 'caustic ratio (price versus performance)'.

In September 2012, Lotte Department Store in Sogong-dong, Seoul, opened a store in Yeonpullaza, and opened an era of online store brands' entry into department stores. In 2013, he was named "CNN's Korean hot brand 10", followed by MCM line Friends Amore in 2014 and ranked as one of the most favorite brands by Chinese tourists. Currently, Lotte Department Store and Hyundai Department Store are located in 13 duty-free shops including 14 domestic department stores such as YuFlex and Hanhwa Galleria Duty-Free Shop.

The speed of overseas expansion is also steep. Through the global cosmetics distribution channel, Sephiroth entered Hong Kong, Thailand, and Indonesia, where Korean beauty and K beauty are popular. Singapore, Malaysia, Australia, Hong Kong, the Philippines, Japan, China and the UK. This year, it landed in Harajuku, Tokyo, Japan, followed by 150 stores in China. 

As the business boomed like this, he said Kim himself felt the necessity of recruiting professional managers. Style Nanda said, "We do not plan to sell the management rights yet, but we are considering various measures because it is necessary to attract investment." An investment banker said, "The sale of the stake is aimed at saving the capital and partners needed to enter the overseas market." The decision to appoint a foreign securities company as the manager is also in line with the alliance with global companies. " did. 

It is also planning to sell the largest stake beyond some stake. An IB official said, "Because of Kim's affection for fashion business, there is a possibility that it will be a transaction to attract a small number of shares." Even if the stake exceeds the maximum, Kim will continue to take over the management. It is an observation that Kim will give a portion of his stake and a representative position because of the symbolism of 'style Nanda = Kim Soh-hee', and will manage the brand.

The sellers were found to be interested in selling to domestic and overseas distribution and cosmetics companies and large private equity (PEF) management companies. In Korea, Lotte Department Store and Shinsegae Department Store, which are trying to strengthen online shopping malls, are considered as candidates for the acquisition. 

In the overseas market, global cosmetics companies such as France's L'Oreal and Japan's Shiseido are eyeing the sale. Global cosmetics companies are reported to be interested in 3CE, a cosmetics brand of Styl Nanda. 

Annual income over total loans from 750 to 900% by management 

"rather than mortgage repayment ability to evaluate" LTI seemed lower

The Financial Supervisory Commission (FSC) regulates individual business lending by the ratio of loans to income (LTI). LTI is a system that checks the ability of a self-employed person to repay more than 100 million won. 

The LTI was originally operated by the bank itself, but last month it was formulated through a guideline for individual loan management. The LTI is expected to decline as the financial authorities are in direct control. The amount of money a self-employed person can borrow is reduced accordingly. 

◇ One billion won

to build a billion won annually The financial authorities do not present the level of LTI regulation, but used it as a reference for loan review. As it is an autonomous policy, the concept and application ratio of LTI for each bank is very different. An official of a commercial bank said, "We usually manage the loan amount to 750 ~ 900% of the annual income and 30% of the annual income to the annual income." 

When you buy a building worth 1 billion won to rent a building, the maximum loan limit is 500 to 600 million won. The bank does not just lend the money, but also raises enough rental income to repay it. 

Assuming a rental income of KRW 60 million a year, the total loan amount (in the case of 500 million KRW) is about 830% of the annual income. If interest is paid at a 3% interest rate on a loan, if the principal is repaid at the expiration of the interest rate, the repayment of principal and interest (15 million won) will be 25%. It is the policy of the bank to provide loans when meeting the LTI requirements. 

◇ Repayment ability evaluation formulated ... 

Strengthening regulations on lending to private providers can serve as a deterrent to the base rate hikes. The balance of individual borrowers in the commercial banks was 199.888 trillion won at the end of last month, and they are hurt by the recession because they are focused on specific industries such as rental business and restaurant business. 

The Financial Services Authority formulated the LTI, raising the threshold for individual borrowers. A financial official said, "In the past, we did not make as much as individual household loans to assess the income of household loans," he said. "In the future, individual business lenders will focus on repayment through income rather than on collateral collection." 

Another LTI official said, "LTI had room to spare compared to the rate of mortgage approval (LTV) and total debt repayment ratio (DTI)." I looked forward.

Banks, 'old workplace' old saying ... "I do not know what to expect, 
" he said 

. 
The appearance of K bank, Kabin ... Gather customer fleets 
while branch line services are increasingly stretched 

officers promoted even 1-2 years in the 'out' 
banker yiraseo 'lending reverse discrimination' is also 

even more benefits, such as income, child care environments 
more similar to house couples sex ratio

Great salary and well-dressed ... . A banker is an emerging world. The bank is the top job for Jena and now for the job - seeker. But the bankers are saying, "It's not like before." In the era of low growth, it has been fiercely competitive in sales, and since the introduction of Internet banking experts, the market has been shaking even more. The tellers have to sweat to deal with so-called "truthful customers". With the advent of various online and mobile products, it is not always a good idea to take your smartphone and ask your friends for financial products once or twice. I listened to Lee Dae - Ari's talk about the Kim Dae - 

Strong emotional and physical labor

Employees at bank branches appeal for aftereffects due to everyday emotional labor. Not only have the number of branch offices decreased but the number of 'bad customers' has also increased. Most of them are looking for business branches in an upset situation due to problems when using non-face-to-face channels such as online banking. 

A representative working at a commercial bank metropolitan area branch office is greatly stressed by the customer complaints that are pushed to the window every day. It was not long ago that I met a customer who was in trouble. A customer came to the window and said, "Why do you wait so long?" The agent responded softly, but the customer replied, "Are you ignoring me now? I'll let you know, "he whispered in front of the window. Dang says that he went to the stall on his way to work on that day and was satisfied with the soju. It is said that it started to take depression drug recently.

"When I hear the complaints of customers who are hard to understand every day, I feel like I have become an emotional garbage bin. I would like to leave the window. "The 

business environment was not the same as the pin tech (financial technology) It was an old saying that cool in summer and warm in winter. There is a lot of time to run outside in summer and winter for business. 

Kim, who works at a local bank in Seoul, said, "It is not once or twice that I went out to the office to get a commercial tent at a good spot when I checked the residents of a redevelopment apartment near a branch. There is also the concept of 'outpost' (area), and sometimes there is a competition between different branches of the same bank. 

Cards, and mobile apps (application programs). Bankers became more distressed as new apps appeared in each bank unceasingly. Lee said, "At first, I went to a good job. I had a lot of effort on my shoulders. Nowadays, when I ask my friends to join various products, I feel bad feeling of self-esteem." Deeply embarrassing 

deputy 'Deep' deputy manager 'Deep greetings for

every bank are one of the worries of Kim Dae - Most banks are able to advance from the seniority to the deputy, but more than that is the star of the sky. This is because the deputy chiefs who entered the large-scale public bonds in the 1990s boom did not get promoted on time, I have been working as a deputy for more than 10 years.

One commercial bank chief said, "Ten years ago, when a new employee came in and a branch manager said that his goal was to be timid, he praised him as a talented person nowadays." There is also a saying that there is nothing more to be promoted through competition. He is promoted to an executive and he will take off his clothes in a year or two. It is better to work until the age of entering the wage peak system and get a special honorary retirement allowance. 

This kind of atmosphere is spreading to job-seekers. There are more rewards, but banks tend to be more competitive and more intense. "If you get more than two places, you have to pay a lot of salaries, but avoid the banks with the most competition, and choose a bank that will be slim and long," said a financial industry recruitment student. 

The banker who is looking for an internet bank is a banker who

seems to be a bit of a financial engineer but he gets discriminated against when he borrows money. As a result of regulation on the loan of employees according to the Financial Supervisory Regulation, the banks that are in office can only receive credit loans up to 20 million won. Inevitably, a banker has to find another bank. Kim Dai, who works for the Seoul Sales Department of the local bank, said, "Even if we look at loans from other banks due to the company's loan limit, it seems to require higher interest rates than those with similar income." 

For this reason, bankers who go to commercial banks are also crowding into Internet professional banks. Kim Dae-jung said, "Kakao Bank joined the bank shortly after opening the door to open a minus account," he said. "I joined more than half of the department's internet banking specialists.

[Kim Sang Jang & Lee Dae Ri] Clear Uruk tang, Halmat tang ... "Please taste the broth!"

Although marriage and childcare have increased the difficulty of the top job, there are still many benefits to be enjoyed as a banker. For unmarried doctors, it is considered as one of the merits that it is a good environment to meet a partner. There is a large number of in-house couples because the ratio of the male and female branches is similar and most of the employees work together. A deputy manager of the four commercial banks said, "20 to 30 percent based on the up and down riders are a couple in the company or a couple of bankers," he said. The childcare environment is also good. Up to two years of parental leave can be used freely and there are fewer penalties for leaving work. In recent years, flexible working arrangements that can adjust working hours to the conditions are also being introduced. 

2030 is the 'generation of first experience'. This is because it is time to grow up and experience a variety of things just off the compulsory education period. The most important of these first experiences is marriage and economic life. If the concept of home economics is not clear, then it is likely to be mistaken from the first button. 2030 Financial planning strategy, how to build. The 2030 generation is the first time to earn income through labor, and it is time to put the first button of family life and life through marriage. 

It is easy for a first-year socioeconomic person whose value for money is unclear to waste his first direct income. Newly married couples who have just married should also be cautious. It is also necessary to grasp the economic life of each other, such as income, expenditure, savings, and investment, as well as adaptation to living together. It is because it is the easiest time to collect money or write, which may be a negative. 

In the newlyweds, important life goals are created, such as childbirth and child support, home preparation, and risk. In order to achieve these goals, it is necessary to practice habits of planning and implementing savings or investment based on the rational consumption life of the family.

First, in order to establish a reasonable financial goal, we must think more specifically about the goals we are trying to accomplish. For example, there are a number of couples who set their goal of saving money from home. However, it is difficult to achieve the goal if we do not make a step-by-step plan about how much money we will need and how long it will be necessary to set up my house goal. It is necessary to further design where, why you want to live in a house, how much you need to do it, how you should run the money you earn to collect the money, and so on. This is a principle that applies not only to the purchase of housing but also to the collection of child education funds and retirement funds. 

If you set a financial goal, you have to figure out your financial position. It is very important to have a "passbook marriage" to disclose and understand the financial situation of the couple. If you do not disclose your financial situation, such as your income and spending, you will find some money somewhere.

The next step is to determine your financial goals, what assets you currently have, and what assets you can use to reach them. In order to understand the income flows that can be gathered in order to achieve the goal in the future, we must carefully examine income and expenditure. You can see your financial status at a glance by creating a statement of financial status (financial statement indicating the financial status at the point of specialization) and a cash flow statement (financial statement indicating the ability to use cash). It's a good idea to check your financial status based on the exact figures. Emergency funds and liquidity ratios are indicators of how much you can cope with sudden financial problems in your household. It is important to secure enough liquid assets to cover expenses of at least two to three months in case of emergencies. The total debt ratio is also important. Usually, this ratio is preferably not more than 40%. Saving rates are also important. The savings rate, which is defined as total income divided by gross income, is higher than that of the 4050 and 5060 generations in 2030 generations. 

Finally, there is a risk-taking index to prepare for sudden risks. The sum of the guaranteed premiums divided by total income is the risk-adjusted index. Guarantee premiums should be based on 8-10% of gross income, but make sure that there is sufficient guarantee against risks and that there is no overlapping guarantee. 

If you look at the financial status of your household, you need to make specific plans that are actionable to meet your financial goals, and you need to build investment plans and portfolios to achieve the needed funds. This is because the selection criteria can be changed according to the investment propensity of the individual and the duration and importance of the financial goal.

For example, a 1% loss of principal can not be yielded if it is aimed at preparing for an upcoming lease. At this time, we need to find the most stable products. However, if retirement funds are needed 30 years later, individual investment tendencies are the most important criteria for selecting financial products. If you want a product that has a high probability of losing money even if you have a possibility of loss of principal, you can choose an aggressive product. If you think that it is important to collect money steadily even if the profit rate is not high,

2030 households that set values for money, invest in various financial products, and start making money. Everything is unfamiliar to me, but there are infinite possibilities.