금융그룹, 대출 안 줄이고 RWA 관리…SRT가 주목받는 이유

SRT enables banks to optimize capital ratios without reducing lending, addressing the structural challenge of simultaneously pursuing higher shareholder returns, productive lending expansion, and capital adequacy. Global banks have already proven this model, scaling SRT transactions fivefold since 2016. Korea's adoption requires regulatory clarity on capital relief recognition and a developed investor base capable of pricing and absorbing mezzanine credit risks from bank loan portfolios.