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Articles by PARK Changyeong
Maeil Business Newspaper Korea's No. 1 Economic Media
Sharing fake phones, victim accounts, etc. Respond quickly from the initial stage of the crime Voice phishing [Yonhap News] Starting next month, account information of financial scammers and victims, such as voice phishing and no-show fraud, will be shared with financial companies, telecommunications companies, and investigative agencies at the same time.
Maeil Business Newspaper Korea's No. 1 Economic Media
Starting next month, account information of financial scammers and victims, such as voice phishing and no-show fraud, will be shared with financial companies, telecommunications companies, and investigative agencies at the same time. This is because a real-time cooperation system between institutions to prevent the spread of financial fraud damage has established a legal basis.
Maeil Business Newspaper Korea's No. 1 Economic Media
Recruitment of digital experts to enhance AI competitiveness KB Kookmin Bank held an outside director candidate recommendation committee (review) on the 22nd and recommended Jeong Yoon-kyung, a professor at Sungkyunkwan University's Software Convergence University, as a new outside director. Earlier this month, Moon Soo-bok, a professor of computer science at KAIST, resigned from the outside director of Kookmin Bank, and the recommendation of outside directors was made.
Maeil Business Newspaper Korea's No. 1 Economic Media
Dormant/non-traded deposits You can get a refund Kookmin, Nonghyup Bank, etc. Presentation event NH Nonghyup Bank announced on the 21st that it will launch an integrated inquiry and refund service for hidden assets and hold an event to present coffee coupons. [NH Nonghyup Bank] The financial sector supports customers to find hidden financial assets. Among the assets scattered by various banks and apps, financial assets forgotten in the owner's memory exceeded 18 trillion won.
Maeil Business Newspaper Korea's No. 1 Economic Media
A county-level post office window in Gwangju, Jeollanam-do, on the 20th, when the "Bank Agency Demonstration Post Office" project began. Post office employees were busy preparing to welcome customers by conducting role-playing training assuming bank loan product counseling with dispatched bank personnel. The pilot project of the bank agency business, which allows you to apply for bank credit loans at the post office window, took the first step at 20 post offices nationwide.
Maeil Business Newspaper Korea's No. 1 Economic Media
SC First Bank has started measures to limit the total amount of household loans handled by region to manage the total amount of household loans. According to the financial sector on the 20th, SC First Bank recently began managing the amount of mortgage loans handled by its regional headquarters. If the total amount of mortgage loans allocated to each regional headquarters is filled, it is no longer treated as new.
Maeil Business Newspaper Korea's No. 1 Economic Media
Kookmin Bank, Samsung Hospital join hands to promote health for senior citizens Shinhan/Hana Island courts senior citizens KB Kookmin Bank announced on the 20th that it signed a "business agreement to promote senior health and spread donation culture" with Gangbuk Samsung Hospital on the 16th. The two sides agreed to cooperate in donor-specific asset management and courtesy programs. And revitalize heritage donations and join forces in the operation of senior health promotion programs.
Maeil Business Newspaper Korea's No. 1 Economic Media
It was found that the number of "N Joblers" with non-main jobs increased in single-person households living alone. It is interpreted that various living expenses, including housing expenses, have soared, making it difficult to live with just one job. These single-person households also showed a strong tendency to raise extra and emergency funds through side jobs and actively invest in stocks and others to buy their own homes.
Maeil Business Newspaper Korea's No. 1 Economic Media
KB 2026 Korea Single-person Household Report 1 Households Run 60% on the side, N Job Job Better Asset Management of Job & Job The proportion of lease on a deposit basis plunges due to the difficulty of lease on a deposit basis The number of people who have been behind on monthly rent · The number of people who have been behind on monthly rent increases Even if the start of a non-voluntary scheme is half, seven "satisfied" responses in column It was found that the number of "N Joblers" with...
Maeil Business Newspaper Korea's No. 1 Economic Media
Hollywood’ On the 9th, U.S. Secretary of Commerce Howard Lutnick attended a concrete-pouring ceremony for a fab, or semiconductor plant, under construction in Clay Town, New York State, and delivered a message to Samsung Electronics and SK hynix.He said the two Korean chipmakers should build production facilities in the United States.Lutnick stated, "I want to bring rival companies Samsung Electronics and SK hynix to the United States and have them build production facilities.
Maeil Business Newspaper Korea's No. 1 Economic Media
As the cycle of raising the benchmark interest rate begins in earnest, the financial burden on small and medium-sized businesses and self-employed people suffering from the economic downturn and sluggish consumption is expected to increase. This is because the interest to be paid increases when the delinquency rate is already soaring.
Maeil Business Newspaper Korea's No. 1 Economic Media
As the Bank of Korea raised its key interest rate by 0.25 percentage point on the 16th, it is expected that borrowers who borrowed at variable interest rates will be burdened with interest. In particular, since the end of last year, the number of households and companies that have chosen variable interest rates instead of fixed rates has surged, and more borrowers are affected by the rate hike right now.
Maeil Business Newspaper Korea's No. 1 Economic Media
Support for career paths for high school students Various activities in the financial sector The Korea Financial Research and Training Institute announced that it has started free education for 61 students from 17 specialized high schools in Seoul to get a job in the banking sector since the 15th. The progress period is about three months.
Maeil Business Newspaper Korea's No. 1 Economic Media
KB Kookmin Bank Collaborates with KOSDAQ Association Expanding Productive Finance for Listed Companies KB Kookmin Bank announced on the 16th that it signed a "business agreement to revitalize the KOSDAQ market and enhance the global competitiveness of KOSDAQ-listed companies" with the KOSDAQ Association on the 15th.
Maeil Business Newspaper Korea's No. 1 Economic Media
KB Financial Group held a "Group Artificial Intelligence (AI) and Data Innovation Seminar in the First Half of 2026" at KB Kookmin Bank's new building in Yeouido, Seoul on the 14th. It plans to foster AI talents to speed up the AI transition (AX) at the group level.
Maeil Business Newspaper Korea's No. 1 Economic Media
Mortgage variable interest rates are expected to rise again. This is because the COFIX (funding cost index), which is the standard for maintenance, reached its highest level in 17 months. According to the Korea Federation of Banks on the 15th, the COFIX in June this year recorded 3.05%, 0.15 percentage points higher than in May (2.90% per year). It is the first time in a year and five months that COFIX has reached the 3% range based on new handling since January last year (3.08%).
Maeil Business Newspaper Korea's No. 1 Economic Media
Lockdown effect is greater than that of domestic customers From deposits to loans at a bank Commercial banks are competing to attract foreign customers. Foreign customers in the banking sector, which has grown to 7 million, are cited as blue ocean that will overcome the saturation of the domestic market. KB Kookmin Bank announced on the 15th that it will recruit 'KB Global Star Supporters', an advisory group composed of foreign customers residing in Korea.
Maeil Business Newspaper Korea's No. 1 Economic Media
It was found that the loan regulations introduced in the name of housing stability are actually reducing the supply of jeonse loans mainly used by ordinary people. According to the five major banks (Shinhan, KB Kookmin, Hana, Woori, and NH Nonghyup Bank) on the 13th, the balance of lease loans by the five major banks decreased by 2.541 trillion won for 10 months from September last year to June this year when the September 7 real estate measures were implemented in earnest.
Maeil Business Newspaper Korea's No. 1 Economic Media
Regulations on total loan volumes strengthen and manage each bank every year In the atmosphere of closing loans to Dunchon Jugong residents in 2024 Loan suspension of prospective tenants Loan suspension last year Loan management starts from 85% exhaustion KB of the five major banks this year Loan owners need risk management Response by advancing the balance date Concerns over a year-end loan shutdown have been growing since KB Kookmin Bank cut the limit on loans for home purchases in all...
Maeil Business Newspaper Korea's No. 1 Economic Media
After Kookmin Bank's announcement of the 300 million limit, the possibility of spreading to other banks If you are worried about a decrease in the amount of loans , you need to take measures, such as raising the balance date An office worker A, who tried to buy an apartment in Seoul by borrowing 500 million won from KB Kookmin Bank in October, contacted real estate urgently on the 9th.
Maeil Business Newspaper Korea's No. 1 Economic Media
An office worker A, who was scheduled to pay the balance of his apartment in October, stomped his feet between the real estate agency and the KB Kookmin Bank branch on the morning of the 9th. Initially, Kookmin Bank planned to borrow 500 million won to pay the balance, but the fund plan went awry as Kookmin Bank limited its mortgage loan limit to 300 million won from the 10th.
Maeil Business Newspaper Korea's No. 1 Economic Media
KB Kookmin Bank, which has the largest amount of mortgage loans handled, is expected to have a big impact on the real estate market as it has decided to drastically tighten the loan limit from up to 600 million won to 300 million won when purchasing a house from the 10th.
Maeil Business Newspaper Korea's No. 1 Economic Media
KB Kookmin Bank announced on the 8th that it will limit the maximum limit of mortgage loans to 300 million won from the 10th. Previously, according to the government's policy, loans of up to 600 million won have been made for houses worth less than 1.5 billion won in the Seoul metropolitan area and regulated areas, but the limit is cut in half.
Maeil Business Newspaper Korea's No. 1 Economic Media
The four major financial holding companies — KB Financial Group, Shinhan Financial Group, Hana Bank and Woori Bank — are expected to post record-high results in the first half of this year, as their net profit rose sharply. Despite cutting household loans and real estate-related lending under government pressure for win-win finance, they maintained growth by significantly expanding corporate lending, which is far more profitable.
Maeil Business Newspaper Korea's No. 1 Economic Media
Lend money and defer repayment in the middle of a delay in settlement The financial sector will provide financial support to Homeplus partners. KB Kookmin Bank announced on the 7th that it will provide emergency financial support to small and medium-sized companies and small business owners who suffer from management difficulties such as delayed settlement in accordance with Homeplus' corporate rehabilitation process.
Maeil Business Newspaper Korea's No. 1 Economic Media
6 major 銀 counterparty credit risk analysis Firms increase dollar exchange hedge transactions Firms' bankruptcy bank risk 18 trillion won to 26 trillion won for the first time in 2 years Foreign exchange transactions start at 24:00 a.m. from the 6th Fear of increasing fluctuations in the morning Deputy Prime Minister and Minister of Finance and Economy Koo Yoon-chul (center) visits the dealing room of Hana Bank headquarters in Jung-gu, Seoul on the 6th, the first day of the 24-hour opening of...
Maeil Business Newspaper Korea's No. 1 Economic Media
Moon Ji-sung, Deputy Minister of Finance and Economy, Deputy Governor of the Bank of Korea Kwon Min-soo, Deputy Prime Minister Koo Yoon-chul, Hana Financial Chairman Ham Young-joo and Hana Bank President Lee Ho-sung (from left) visited Hana Bank's dealing room on the first day of the 24-hour opening of the foreign exchange market on the 6th. Reporter Kim Ho-young As the won's value has fallen endlessly, the risk related to foreign exchange that banks have to bear has also increased significantly.
Maeil Business Newspaper Korea's No. 1 Economic Media
Analysis of the balance received by the five major banks Stock Exchange fluctuates and safety preferences Bank deposits increased after profit realization Demand deposits increased by KRW 48 trillion this year Regular deposits at high interest rates ↑ Total receipts from the five major banks surged by nearly 90 trillion won in the first half of this year due to expectations for profit-taking funds and rising interest rates in the stock market.
Maeil Business Newspaper Korea's No. 1 Economic Media
Reluctant to exchange currencies due to weak won Deposit surges 18% in four months The government requests prompt currency exchange Concerns over a vicious cycle of the won's depreciation are growing as exporters have delayed exchanging dollars due to concerns over a weak won. [Photo = Yonhap News] The dollars earned from exports have not returned to the foreign exchange market, but are accumulating in bank coffers.
Maeil Business Newspaper Korea's No. 1 Economic Media
Mr. A, in his late 40s, sighs when he sees online video services (OTT) such as Netflix and YouTube Premium and artificial intelligence (AI) services such as ChatGPT. This is because a family of three spends 69,000 won a month on using digital services. Mr. A said, "It is difficult to reduce anything because all members of the family are highly satisfied with the service." All of Mr. A's subscription fees flow to American companies.
Maeil Business Newspaper Korea's No. 1 Economic Media
In the first half of this year, it was confirmed that the total receipts of major commercial banks in Korea increased by nearly 90 trillion won. This is 1.9 times the increase (48.1382 trillion won) during the same period last year. Since the second half of last year, there have been concerns that money will be withdrawn from banks' demand deposits and term deposits as a result of the influx of money into the domestic stock market, but it was unfortunate.
Maeil Business Newspaper Korea's No. 1 Economic Media
The dollars earned from exports have not returned to the foreign exchange market, but are accumulating in bank coffers. This is because dollar deposits are increasing as companies concerned about a fall in the won's value have delayed currency exchange. There is concern about a vicious cycle in which companies do not visit the foreign exchange market because they are not attracted to the won, and the value of the won declines further.
Maeil Business Newspaper Korea's No. 1 Economic Media
It has been analyzed that generative artificial intelligence (AI) services, which are sensationally popular in Korea such as Claude, ChatGPT, and Gemini, could cause the won's competitiveness to decline in the long term. This is because AI subscriptions, which are automatically paid every month, are being solidified as a "dollar outflow channel" as they exit to Big Tech in the U.S. Meanwhile, domestic AI services are not even receiving attention from domestic consumers.
Maeil Business Newspaper Korea's No. 1 Economic Media
Funding small business owners Consulting on operational know-how As more small business owners suffer from management difficulties due to weak consumption, major domestic banks are supporting self-employed people. The shopping district near Ewha Womans University in Seodaemun-gu, Seoul, is quiet.
Maeil Business Newspaper Korea's No. 1 Economic Media
Increase the support of each bank so that non-developer employees can code as they need it Attempts are being made to increase artificial intelligence (AI) capabilities in the banking sector. On the 1st, KB Kookmin Bank opened the 'KB AI Development Center'. The AI Dev Center is a facility prepared for verbal coding, so-called Vibe coding. It made it easy for each practitioner who did not major in development to code through AI.
Maeil Business Newspaper Korea's No. 1 Economic Media
Service bad loans from Korea's five largest banks rose to the largest scale in a year, beating both real estate and manufacturing industries. Analysts say that the overall service industry, which is in contact with the livelihood of ordinary people, has been pushed to the brink amid prolonged consumption contraction.
Maeil Business Newspaper Korea's No. 1 Economic Media
*Increase exposure to related market development and prospects for rise, such as sponsorship of events and investment, etc Korean financial companies are increasing their exposure to the robot ecosystem due to the prospect of the rise of the physical artificial intelligence (AI) market. KB Financial Group announced that it will participate as the main sponsor in the "Robo Cup 2026 Incheon" to be held in Songdo Convensia, Incheon, from the 2nd.
Maeil Business Newspaper Korea's No. 1 Economic Media
As the KOSPI has repeatedly fluctuated since June this year, the number of views on Maekyung Media Artificial Intelligence (AI) service "Stock Story" is increasing rapidly. Stock stories support readers to establish investment strategies in economic news by automatically extracting and analyzing stocks related to articles.
Maeil Business Newspaper Korea's No. 1 Economic Media
Expanding Specialized Solutions by Industries for Domestic Artificial Intelligence Semiconductor Companies South Korean industrial artificial intelligence (AI) companies are building a technology alliance. On the 1st, SIZL, a company specializing in industrial AI platforms, and Revelion, a representative player of NPU, announced that they will expand AI infrastructure specializing in manufacturing sites.
Cho Yong-byeong, chairman of the Korea Federation of Banks, stressed that the banking sector should ..
Cho Yong-byung, Chairman of the Korea Federation of Banks No support for small businesses. Cho Yong-byeong, chairman of the Korea Federation of Banks, stressed that the banking sector should support small business owners more strongly. It was held at a discussion meeting on the people's livelihoods of small business owners and local commercial areas held on the 2nd.
"I will take away the work of my employees and use it for internal control." On the 2nd, Woori Bank .. - MK
"I will take away the work of my employees and use it for internal control." On the 2nd, Woori Bank presidential candidate Chung Jin-wan (photo) emphasized "internal control" as his first move. It is interpreted as a means to correct the organization that has been tainted by employee embezzlement accidents and unfair loans to relatives of the former chairman.
Fixed-rate mortgage rates have been lowered due to the Bank of Korea's second consecutive cut in the..
Fixed-rate mortgage rates have been lowered due to the Bank of Korea's second consecutive cut in the benchmark interest rate. On top of that, as banks are exempting household loan prepayment fees by the end of the year, now is the right time to change the main bank. In particular, the prospect that additional cuts in the benchmark interest rate will not be significant in the future is also interpreted as the reason why borrowers are increasingly interested.
"We will spare time for employees to participate in internal control by eliminating overloading task..
Challenges such as restoring customer confidence "Strong support for private businesses, "Treating a good employee".
Half of Korea's 79 savings banks recorded a higher delinquency rate of more than 10 percent, the rep..
It turned into a surplus in six quarters. Big risk banks more than double. Authorities review timely corrective action at 2 locations. Half of Korea's 79 savings banks recorded a higher delinquency rate of more than 10 percent, the report showed. Asset soundness has been damaged in the aftermath of poor real estate project financing. The financial authorities are considering ways to restore soundness by taking timely corrective measures to two savings banks within this month.
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