[들어보니]케이뱅크, 중·저신용자 대출금리 인하…건전성, 안정적 궤도 진입-NSP통신

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들어보니
케이뱅크, 중·저신용자 대출금리 인하…“건전성, 안정적 궤도 진입”

NSP통신, 강수인 기자, 2023-09-01 10:53 KRX8 R0

#케이뱅크 #중저신용자대출 #중금리대출 #케이뱅크건전성 #케이뱅크IPO

(서울=NSP통신) 강수인 기자 = 인터넷전문은행 케이뱅크가 중·저신용자 대출 확대를 위해 중·저신용자 대출 금리를 최대 연 1%p 추가 인하했다. 건전성 악화 우려에도 대출 목표치 달성을 우선 생각한 것으로 풀이된다. 이와 관련해 케이뱅크 관계자의 의견을 들어보니 “담보대출 비중을 높이는 등 우량자산이 확보돼 건전성 관리에 문제 없다”고 말했다.

1일 케이뱅크는 신용대출플러스 금리를 최대 연 1%p 인하했다. 신용대출플러스는 현 직장에 6개월 이상 재직 중인 소득 2000만원 이상 중·저신용 고객을 위한 상품이다. 대출한도는 3억원이며 중도상환수수료가 없다.

케이뱅크는 지난달에도 신용대출플러스의 금리를 최대 연 1%p 낮춘 바 있다. 이와 함께 이번에 추가로 금리를 인하하며 신용대출플러스의 금리는 최저 연 4.30%까지 내려갔다.

G03-8236672469

케이뱅크를 포함한 인터넷전문은행들은 설립 취지인 중·저신용자 대출 확대와 함께 이로 인한 건전성 악화도 해결해야 하는 딜레마에 놓여 있다. 중·저신용자 대출 규모가 아닌 비율을 확대하니 연체율이 높아져 건전성이 악화되고 있기 때문.

케이뱅크의 경우 올 2분기말 기준 중·저신용자 대출 비중 24%를 기록했다. 목표치는 32%다. 카카오뱅크가 올 2분기말 27.7%를 기록했고 목표치가 30%다. 토스뱅크는 38.5%를 기록했고 목표치는 44%다. 카카오뱅크와 토스뱅크는 대출 비중 목표치 달성까지 각각 2.3%p, 5.5%p 모자라지만 케이뱅크는 대출 비중 목표치까지 8%p나 모자란다.

이같은 상황에서 케이뱅크는 우선 ‘비중’을 맞추기 위해 고신용자의 신용대출과 마이너스통장 대출 상품의 신규신청을 지난 7월부터 중단했다. 그러다보니 연체율이 상승곡선을 그리고 있다. 올 2분기 케이뱅크의 연체율은 0.86%로 전분기 0.52%에서 0.34%p 급등했다. 부실채권이라 불리는 고정이하여신(NPL) 비율 역시 지난해 1분기 0.64%에서 올 1분기 0.94%로 악화됐다.

이에 대해 케이뱅크 관계자는 “건전성 관리의 경우 어느 정도 안정적인 궤도에 오른 것 같다”며 “기본적으로 이번에 담보대출 비중이 많이 올라왔고 아파트대환대출의 경우도 금리를 연 3%로 제공하며 계속 확장하고 있어 우량자산들이 확보가 된 상황”이라고 설명했다.

이어 “대손충당금도 올 상반기 1205억원을 쌓아 건전성에 문제없이 관리하고 있다”며 “올 하반기 중·저신용자 대출을 지속적으로 확대할 계획”이라고 말했다.

다만 금융당국이 최근 가계부채 상승의 원인으로 인터넷전문은행의 주택담보대출을 지목해 앞으로 담보대출 확대가 쉽지 않을 것이란 전망도 나온다.

이에 대해 케이뱅크 관계자는 “케이뱅크의 아파트담보대출의 경우 기존의 대출을 갈아타는 대환대출이기 때문에 가계부채 상승과는 연관이 없다”고 답했다.

NSP통신 강수인 기자(sink606@nspna.com)