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이억원 "6.27 대출규제 효과적…필요시 DSR 확대 등 추가 조치"
Lee Ok-won says 6.27 Loan Regulation Effective… Additional Measures Like DSR Expansion if Necessary
Newsis | Local Language | News | Sept. 2, 2025 | Regulation
Lee Ok-won, nominee for chairman of the Financial Services Commission (FSC), affirmed that the June 27 real estate loan regulations have been effective in curbing short-term household debt growth, particularly in metropolitan areas. He emphasized that the impact on genuine homebuyers, especially low-income households, has been limited, but pledged to monitor housing stability closely. Lee signaled openness to expanding the scope of the Total Debt Service Ratio (DSR) regulation to include policy loans like jeonse deposit and special newborn loans if necessary, while balancing the need to avoid destabilizing low-income borrowers’ housing security.
Lee highlighted the importance of revitalizing productive finance by channeling funds toward sectors with high future growth potential, such as advanced industries, venture companies, and regional economies, rather than unproductive real estate. He mentioned plans to review the macroprudential regulatory framework and consider adjusting risk weights on home mortgage loans to enhance corporate finance fund supply without compromising bank soundness. Regarding potential organizational restructuring within financial authorities, Lee refrained from commenting, citing the lack of disclosed concrete plans, but emphasized the intention to foster a cooperative "one team" relationship with the Financial Supervisory Service.
On consumer protection, Lee acknowledged past shortcomings in financial consumer trust due to incidents involving private equity funds and equity-linked securities. He pledged to strengthen laws, sales regulations, and practices to prevent mis-selling and financial accidents. Lee also committed to intensifying efforts against financial crimes such as illegal private lending and voice phishing, which disproportionately affect vulnerable groups like the elderly, and stressed the need for improved financial access and tailored education for those groups, especially in the context of digitalization.