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SEOUL Magic Johnson Lakers Jersey , Jan. 4 (Xinhua) -- South Korean banks are expected to tighten lending standards in the first three months on the expected worsening of corporate earnings and the already massive household debts, a central bank survey showed on Wednesday.

The lending attitude index, which reflects banks' attitude toward lending to households and companies, came in at minus 19 in the January-March quarter, according to the Bank of Korea (BOK).

The reading below zero means more banks are willing to tighten loan standards rather than ease. It is based on a survey conducted between Nov. 28 and Dec. 9 of a combined 199 financial institutions including banks.

The lending attitude stayed below zero since the fourth quarter of 2015 as concerns spread about the worsening of debt-servicing capability among households due to economic slowdown and fast-rising mortgage loans.

The household debts kept a record-breaking trend and rose at a fast clip as the BOK cut its benchmark rate from 3.25 percent in July 2014 to an all-time low of 1.25 percent in June 2016.

The government eased regulations on mortgage financing Kobe Bryant Lakers Jersey , speeding up an increase in the home-backed loans. It fueled worry about the bubble forming in the real estate market.

As the U.S. Federal Reserve heralded three rate hikes this year, lending rates in South Korea would be put under upward pressures, resulting in heavier debt-servicing burden for households.

The lending attitude index for mortgage loans to households tumbled to minus 30, with the index for credit loans to households standing at minus 10.

The reading for corporate loans came to minus 13 for the first quarter on the expected fall in corporate earnings and the lingering economic uncertainties at home and abroad.

The credit risk index for households surged to 37 in the first quarter from 13 in the previous quarter, indicating that banks see a higher probability for households to go bankrupt.

Water Activities to Enjoy in Japan

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Are you searching out adventurous water activities? There are lots of exciting and thrilling water sports to revel in in Japan. As it's far surrounded by using ocean and lined with 32,000 rivers, streams and lakes, this island kingdom offers tough sports to indulge. Some of the popular activities are listed underneath:

Canoeing and kayaking:

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Skilled human beings can hire rafts, kayaks and canoes to enjoy canoeing. normally, kayaking is performed at the Lake Biwa and Lake Aoki. If you need to bask in challenging and adventurous kayaking Magic Johnson Womens Jersey , choose places close by Hime River. Canoeing and kayaking sports lets you to witness the splendor of Kushiro Shitsugen national Park and Matsushima Bay. For sea kayaking, Shizuoka place is a well known vacation spot.

Kayaking ride lasts simply one day for novices, even as skilled human beings can enjoy kayaking for greater than two days. At some stage in multi day excursions, site visitors can camp on islands.

Diving and Snorkeling:

For diving and snorkeling, southern islands of Okinawa Kobe Bryant Womens Jersey , Ogasawara Islands and Izu Islands are famous vacation spot. As those islands have crystal clean water and slight climate, a massive number of visitors revel in diving and snorkeling. You can witness the splendor of underwater marine life and coral reefs, whilst diving and snorkeling in those destinations.

White water rafting:

Tone River is a quality destination to experience white water rafting. Generally, white water rafting seasons lasts from April to October, so plan your visit as a result to enjoy rafting. To get a challenging experience LeBron James Womens Jersey , try to visit at some point of June whilst the river receives filled with water from rain spring soften.

Browsing:

As the waves are competitive in some areas, you want to become aware of the fine spots for browsing. Hokkaido, Sendai, Ibaraki, Chiba and Izu Islands are a few widely known spots for surfing.

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