[사장님 대출 환승시대]③ 수혜 범위 제한적…한계 차주는 '그림의 떡'

South Korea's new loan refinancing service demonstrates a critical flaw in financial inclusion policy: while prime borrowers gain access to lower rates, vulnerable borrowers from non-bank lenders—facing delinquency rates of 12.14%—remain excluded. This gap between policy intent and actual coverage reveals the urgent need for system expansion to serve those most burdened by high interest rates.