위험관리 필요 인식과 수요감소 등으로 여신증가세가 줄어들고, 저금리로 순이자마진도 축소되는 가운데 무수익여신과 운용손실 등이 증가할 소지가 있다는 지적이다.
It is pointed out that non-profitable loans and operating losses may increase while credit growth is reduced due to awareness of the need for risk management and reduced demand and while net interest margins are also reduced due to low-interest rates.