The lively downtown of Myeong-dong… Inside the alley is still ‘Hansan’
“Repay debt by borrowing interest and repaying the principal and interest of the loan”
The balance of self-employed business loans increased by more than 1 trillion won
It was found that loans received by self-employed people who had a hard time with Corona 19 quickly exceeded 1 trillion won.
The delinquency rate has also skyrocketed, and self-employed people are getting more anxious ahead of the end of the grace period for repayment of principal and interest in September.
Reporter Eom Yoon-ju reports.
[기자]
The streets of Myeong-dong, which were sluggish during the COVID-19 pandemic, are full of energy.
Foreign tourists, which have been difficult to find in the past, can be easily seen everywhere.
But just a few steps away from the central street opens up a completely different world.
As you can see, there are still many empty shops with signs for rental inquiries.
It is so warm that you can’t even feel it.
The scars inflicted by COVID-19 are still ongoing.
A merchant who has been in business for over 20 years always sighs at the worry of over 1 billion won in loans.
[김창수 / 자영업자 : 이자가 오른 것에다가 원금 상환이 거기 포함돼 있어요. 이자만이라도 내면 조금 숨을 돌리겠는데, 많이 회복된 거는 사실인데…. 빚이 있다 보니까 그 빚 때문에 빚을 져야 해요.]
Over the past three years, we have endured and endured, and loans are inevitable to stand up again.
[김인식 / 자영업자 : 또 버티기 위해서 대출도 받고 직원들도 써야 하고, 지출도 그만큼 늘어났거든요. 부동산 관련해서 월세 할인도 끝났고. 적어도 3년을 저희가 고생했으면 3년 정도는 유예를 해주셔야 하지 않을까….]
As such, it was found that the balance of loans of self-employed people who borrowed money by knocking on the door of banks as well as second financial institutions due to difficulties in maintaining a livelihood increased significantly.
In the fourth quarter of last year, the balance of loans from financial institutions for all self-employed people exceeded 1 trillion won, and the delinquency rate is also showing a steep rise.
In particular, loans for low-income self-employed people in the bottom 30% of income have increased by 70% in the meantime, and among them, loans from the second financial sector with high interest rates but low thresholds have surged.
[주원 / 현대경제연구원 경제연구실장 : 이자나 원금 상환이 안 좋아지면서 디폴트 우려가 있다고 생각합니다. 정부가 강제적으로라도 이런 리스크가 시장에 전이되지 않도록 좀 노력해주는 게 필요하다고….]
Currently, self-employed people account for about 20% of all employed people in Korea.
It is pointed out that the financial authorities need a more preemptive response for those who form the backbone of our economy.
This is YTN Eom Yun-ju.
Cinematographer; Lee Seung-joo
graphics; Hwang Hyun-jung
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2023-05-13 20:27:00
#debt #paying #debt…Selfemployed #driven #brink
