韩国 vs OECD — 家庭债务 / GDP
韩国家庭债务占GDP比率居OECD前列。
韩国家庭债务占GDP约90%,显著高于OECD平均(≈60%)。住房抵押贷款占比高,对短期利率变动敏感。
| Country / Series | Debt / GDP | Household / GDP | GDP (T USD) | Debt (T USD) | Note |
|---|---|---|---|---|---|
| Korea | — | 90.0% | — | — | BoK household credit |
| Australia | — | 110.0% | — | — | |
| Canada | — | 102.0% | — | — | |
| USA | — | 73.0% | — | — | |
| Japan | — | 67.0% | — | — | |
| Germany | — | 52.0% | — | — | |
| OECD average | — | 60.0% | — | — |
Takeaway
降息提供短期缓解,结构性去杠杆是消费与增长放缓的长期权衡。
Sources: BIS credit statistics, OECD.stat, BoK household credit.