IBK, , , ϳ濵 ر ɼ ûϴ յ 鼭 忣 ҾȰ Ȯǰ ִ. ̵ ܱ , α ٰŷ ϶ ̾ Ѵ.
̷ ڵ ̿ ҾȰ Ȯǰ ִ. ѷ ó ް ȱ ƴٴ . ε ȭ, ۷ι , Ǽ 簡 ó ߴ ε 뼼 ϶( ħü) Ǹ ϱ.
, ҾȰ Ȯ
ε '' ߴ. ξå Ǹ ݸλ 'ⱸ' ȭ ̰ ̴ ε ϶ ̾ ɼ ũ ̴. رݸ(2%) 3 ̾鼭 ñ ڿ .
̶ ħü ȸ⸦ ̴ ȣȲ ٽ ħü ħü Ѵ. 'W' Ҹµ ̴ ħü ϴ 'V', ѵ ħü ¸ ϴ ȸϴ 'U' ħü ȸ Ư¡̴.
ⱸ ȭ ʾ Ϲݱ Ѻäȯ(DTI), ô㺸(LTV) ô㺸 ȭǸ鼭 ε ڽɸ ް پ. ֱ 츮 ε ̱̳ Ϻ ر ϴٴ ̾鼭 ŷ , ϶ ε巯 ִ.
Ȳ ̷ ε ϶ ȣϴ ڵ ð ִ. ε114 " ķ ߴ ¦ ȸ ֱ ٽ ϶ϸ鼭 ϴ ڵ ð ִ" "ε ħü 鿡 ̶ ް ִ" ߴ.
ͳ ε ȣȸ ڵ " ǥ ε غ ε ó϶ " " ħü , ٴ " ߴ.
ֿ 淡
ü 2̾ 2006 2 2008 2 '( д )' · κ 20% Ҵ. Ⱦ 31.5% ö õ(29%) (24.5%) 㰭(20.8%) 㼭ʱ(20.3%) ı(20.3%) д(15.8%) .
ݸ ̸ ΰ 2008 2 3 2Ⱓ Ʈ ʱ(0.9%) õ( 1.0%) ϸ ϶ߴ. (-9.6%) , д(-8.9%), Ⱦ( -3.4%) ı(-3.0%) (-1.1%) Ǵ.
ġ ʱ õ ǻ ϶ Ƽٰ ؼϴ . ʱ Ը Ʈ 鼭 ü ̲ ȿ ϸ ǻ ٸ ϶ߴ м̴. õ Ÿ ϰ ϶ ȯƴٴ ̴.
϶ ٸ ϸ ε巯. 2 4.4% ö ǵ 3.0% ߴ. õ(8.3%) ö (5.1%), (0.1%) ߴ.
"ħü " 켼
ε Ϸ ؿ ݵ ʿϴ. κ غ δٴ п ̰ Ÿ. ε ½ô밡 ٴ ǰ Ѵ.
輱 Ǽ "۷ι Դ ξå ݸλ й, ڽɸ ð Ҹ ִ" "ϰ ϴ ر ƴϾ ѵ ༼ ̾ "̶ ٺô.
ڿ ǵũ λ "2006ó ϴ Ȳ ٽ "̶ ٺô. ״ "츮 Ѳ ٰ õõ ݾ " " ڸ dzǰ ƴ ְǰ ڱ " ٿ.
α ҳ ڸ å ġ ִٴ м ִ. д, ϻ 1 ŵú ξ ڸÿ 䰡 ŭ ΰ ۿ ٴ ̴.
ռ ε "1 ŵ Ʈ 1990 ʹ Ȳ ֱ Ȳ ϴ" " 迡 纼 ε ɼ ũ" ߴ.