BOK voices woes over financial imbalance, rising debt burden

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SEOUL, Sept. 22 (Yonhap) -- The Bank of Korea (BOK) said Tuesday it needs to raise its guard against accumulated financial imbalances, the rising debt burden in tandem with higher interest rates, and potential volatility in the financial and currency markets.

In its financial stability report, the BOK said the country's financial system remains relatively stable on the back of the resilience of financial institutions and its capability to respond to external shocks.

"But amid the accumulated financial imbalance, the possibility of vulnerable sectors further becoming feeble and the risks of volatility in the financial and currency markets becoming greater still remain," it said.

Financial imbalances have been building up as home prices have been showing no let-up and expectations for a further rise in housing prices still run high, according to the BOK.

The BOK said the percentage of household debt against the country's gross domestic product (GDP) stood at 85.3 percent at the end of March, still higher than the long-haul average of 84 percent.

This file photo shows apartment complexes in the Songpa district of southern Seoul on March 23, 2025. (Yonhap)

The country is continuing to rack up strong economic growth on the back of a strong cycle in the semiconductor sector, but the income disparity is deepening, which calls for more attention to the worsening capability of the vulnerable sectors for debt payments, it added.

"We need to remain vigilant against the potential liquidity risks of financial institutions in case of increased financial market volatility stemming from the Fed's policy changes and the geopolitical risks in the Middle East," the central bank stressed.

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BOK voices woes over financial imbalance, rising debt burden

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首尔，9月22日（韩联社）——韩国央行（BOK）周二表示，需要提高警惕，防范不断累积的金融失衡、日益沉重的债务负担以及利率上升带来的风险，以及金融和货币市场的潜在波动。

韩国央行在其金融稳定报告中表示，得益于金融机构的韧性和应对外部冲击的能力，韩国金融体系保持相对稳定。

“但随着金融失衡的加剧，脆弱行业进一步衰弱的可能性依然存在，金融和货币市场波动风险也进一步加剧，”报告指出。

据韩国央行称，由于房价没有丝毫回落的迹象，而且人们对房价进一步上涨的预期仍然很高，金融失衡现象正在不断加剧。

韩国央行表示，截至3月底，家庭债务占该国国内生产总值（GDP）的比例为85.3%，仍高于84%的长期平均水平。

这张资料照片拍摄于2025年3月23日，显示的是首尔南部松坡区的公寓楼群。（韩联社）

报告补充说，该国在半导体行业强劲周期的推动下，经济持续保持强劲增长，但收入差距正在扩大，这就需要更加关注弱势群体日益恶化的偿债能力。

“我们需要对金融机构潜在的流动性风险保持警惕，因为美联储的政策变化和中东的地缘政治风险可能导致金融市场波动加剧。”央行强调说。

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韩国央行对金融失衡和不断上升的债务负担表示担忧