投資虛擬資產的Z世代（15-29歲）使用50％的金融貸款

在Z世代（基於數據分析的15-29歲）中，最活躍於虛擬資產的集團估計使用了50％的金融貸款

Generation Z, known for their keen interest in virtual assets, are also taking out more financial loans, a new analysis by Nonghyup Bank has revealed. However, despite having relatively many loans, their delinquency rate was lower than that of other peers.

Nonghyup Bank的一項新分析顯示，Z世代以其對虛擬資產的興趣而聞名，也正在利用更多的金融貸款。但是，儘管貸款相對較少，但其犯罪率低於其他同行的貸款。

Nonghyup Bank's analysis of data from LG Uplus and Nice evaluation information, unveiled on the 9th, focused on 2.6 million Generation Z individuals, defined as those aged 15 to 29 years old. The analysis aimed to compare the financial behaviors of Gen Z consumers who actively engage in virtual asset investment with those who are more passive in such activities.

Nonghyup Bank對LG Uplus的數據分析和9日揭幕，重點是260萬代人，定義為15至29歲的人。該分析旨在比較Z世代消費者的財務行為，這些消費者與在此類活動中更加被動的人的虛擬資產投資的積極投資。

The findings indicate that Gen Z who accessed the coin exchange on average from 21 to 31 days had an average of 94.7 million won in loans. In contrast, if the access date to the coin exchange was 1 day, the loan amount was around 63.4 million won.

研究結果表明，Z世代平均訪問硬幣交易所的21天至31天平均為9470萬韓元。相反，如果到達硬幣交易所的訪問日期為1天，則貸款金額約為6340萬韓元。

In other words, “Fiery Coin Investment Generation Z,” which accessed the coin exchange 21 to 31 days a month, received more than 49% more loans than their peers.

換句話說，每月21至31天訪問硬幣交易所的Fiery Coin Investment Generation Z，收到的貸款超過49％以上。

By detail, in the case of credit loans, active investors' loans amounted to 23.5 million won, 79% more than the average (13.1 million won) of Generation Z users (one monthly access) who are passive about coin investment. It shows that they are aggressively investing.

從詳細的情況下，就信用貸款而言，積極的投資者的貸款為2350萬韓元，比對硬幣投資被動的Z世代用戶（一個每月訪問）的平均（1,310萬韓元）高出79％。它表明他們正在積極投資。

The survey was conducted using financial, telecommunications, and credit data for 2023. Due to the nature of the survey, which combines data between other industries with pseudonyms, the target number was not specified.

該調查是使用2023年的財務，電信和信用數據進行的。由於調查的性質，該調查的性質將其他行業之間的數據與假名結合在一起，因此未指定目標編號。

However, the delinquency rate and credit status of Generation Z of active coin investment are better than those of their peers. The delinquency rate tended to decrease as the average number of monthly access days to the coin exchange increased. The delinquency rate was 0.04% when the connection date was 21 to 31 per month on average, whereas the rate was 0.38% when the connection date was 1 day. When the average monthly access to the exchange was 2 to 5 days and 6 to 10 days, the delinquency rates were 0.49% and 0.43%, respectively.

但是，主動硬幣投資的Z世代的違法率和信貸狀況比其同行的犯罪率更好。隨著硬幣交易所每月的平均訪問日數增加，違法率往往會降低。當連接日期平均為每月21至31時，違法率為0.04％，而連接日期為1天時的率為0.38％。當平均每月訪問交易所為2至5天和6至10天時，違法率分別為0.49％和0.43％。

According to Nonghyup Bank, the delinquency rate of Gen Z users who never accessed the coin exchange once a month was 0.93%.

根據Nonghyup Bank的數據，從未每月從未訪問硬幣交易所的Z世代用戶的違法率為0.93％。

The higher the interest in virtual assets, the higher the credit score was.

虛擬資產的利息越高，信用評分越高。

The average number of access days to major virtual asset exchanges per month was 809 points, but the score was 826 points and 836 points when the number of access days was 11-20 days and 21-31. Since they are young people with relatively low incomes, the absolute value of their credit scores was not high.

每月進行主要虛擬資產交易所的平均訪問天數為809點，但是當訪問天數為11-20天和21-31時，得分為826點和836點。由於他們是收入相對較低的年輕人，因此信用評分的絕對價值不高。

Experts analyzed that this phenomenon occurs because consumers who can afford loans even within Generation Z are active in investing in virtual assets.

專家分析了這種現象之所以發生，是因為即使在Z世代內有能力負擔得起貸款的消費者都積極投資虛擬資產。

"Even in Generation Z, those with relatively large assets or stable incomes appear to be investing in virtual assets," said Lee Jung-hwan, a professor of economics and finance at Hanyang University. "They are consumers who are interested in managing financial assets even within the same generation."

漢陽大學經濟學和金融教授李·榮漢（Lee Jung-Hwan）表示：“即使在Z世代中，擁有相對較大的資產或穩定收入的人似乎正在投資虛擬資產。” “他們是即使在同一代人中也有興趣管理金融資產的消費者。”

Generation Z consumers who were interested in virtual assets also had more financial investment products. According to Nonghyup Bank, Gen Z Group, which has 21 to 31 days of access to the virtual asset exchange, had about 14% more balance of beneficiary certificates per person compared to consumers who did not. In addition, the trust balance per person was 13% higher. NH Nonghyup Bank said it conducted the survey with the aim of approaching Generation Z, which has emerged as a new ‘big hand’ in the banking sector since Kang Tae-young took office, based on data.

對虛擬資產感興​​趣的Z一代消費者也擁有更多的金融投資產品。根據Nonghyup Bank的數據，Z Gen Group擁有21至31天的訪問虛擬資產交換，與沒有的消費者相比，每人的受益證書的餘額高約14％。此外，人均信任餘額高13％。 NH Nonghyup Bank表示，該調查的目的是接近Z一代，自Kang Tae-Young上任以來，該一代已成為銀行業的新“大手”。