##韩国家庭负债再创新高，超10万亿元！房地产交易活跃成主因
**韩联社首尔8月20日电** 韩国银行（央行）今日发布的初步统计数据显示，截至6月底，韩国家庭负债总额达到1896.2万亿韩元（约合人民币10.2万亿元），创下自2002年第四季度开始公布相关统计以来的最高纪录。
家庭负债包括住户部门贷款和信用卡应付账款等赊购款。韩国家庭负债在去年第二季度至第四季度持续增加，今年第一季度有所减少，但仅隔一个季度便再次攀升。截至第二季度末，住户贷款余额为1780万亿韩元，环比增加13.5万亿韩元；住房抵押贷款余额（1092.7万亿韩元）环比大增16万亿韩元，增幅较第一季度扩大；其他贷款余额（687.2万亿韩元）环比减少2.5万亿韩元，减幅仅为今年第一季度的五分之一。
央行分析认为，家庭负债持续增加的主要原因是首都圈等地房地产交易活跃。预计第三季度家庭负债规模可能继续增加。然而，相关部门和银行已加强住户贷款管控，政府在本月8日发布了住房供应方案，加上与总负债本息偿还比率（DSR）相关的限制措施将于9月实施，政策效果还有待观察。
韩国家庭负债不断攀升引发了社会各界的担忧。高额债务不仅会给家庭带来沉重的经济压力，也会影响消费和经济增长。专家建议，政府应采取更加有效的措施，控制住房价格上涨，并引导居民合理消费，降低家庭负债水平。
**相关新闻：**
* 韩央行维持基准利率3.5%不变
* 韩第一季度家庭负债占GDP比重降至98%
*韩企负债增速排世界第二
**关键词：** 家庭负债，韩国经济，房地产交易，住房贷款，DSR
英语如下：
##South Korea’s Household Debt Hits Record High, Surpassing 10Trillion Won
**Keywords:** South Korea debt, record high, over10 trillion won
**Seoul, August 20 (Yonhap)** – South Korea’s household debt reached a record high of 1,896.2 trillion won (approximately 10.2 trillion yuan) as of the end of June, according to preliminary data released by the Bank ofKorea (BOK) on Monday. This marks the highest level since the central bank began tracking the data in the fourth quarter of 2002.
Household debt includes loans to the household sector and installment loans such as credit cardpayments. It continued to rise from the second quarter to the fourth quarter of last year, decreased slightly in the first quarter of this year, but climbed again in the second quarter. At the end of the second quarter, household loan balances reached1,780 trillion won, up 13.5 trillion won from the previous quarter. Housing mortgage loan balances (1,092.7 trillion won) increased by a significant 16 trillion won quarter-on-quarter, a larger increase than in the first quarter. Other loan balances(687.2 trillion won) decreased by 2.5 trillion won quarter-on-quarter, only one-fifth of the decrease in the first quarter.
The BOK attributed the continued rise in household debt to active real estate transactions in the capital region. It is expected that household debt may continueto increase in the third quarter. However, relevant departments and banks have strengthened household loan controls, and the government released a housing supply plan on August 8. In addition, restrictions related to the debt service ratio (DSR) will be implemented in September, and the effectiveness of these policies remains to be seen.
The continuous rise in household debt has sparked concerns across society. High debt levels not only place a heavy economic burden on families but also impact consumption and economic growth. Experts recommend that the government implement more effective measures to control rising housing prices and guide residents towards rational consumption to reduce household debt levels.
**Related News:**
* BOK keeps benchmark interest rate unchanged at 3.5%
* South Korea’s household debt-to-GDP ratio falls to 98% in Q1
* South Korean companies’ debt growth ranks second in the world
**Keywords:** Household debt, South Korean economy, real estate transactions,housing loans, DSR
【来源】https://cn.yna.co.kr/view/ACK20240820003300881?section=economy/index&input=rss
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