10.27 이슈 정리

https://www.hankyung.com/economy/article/2021102650571
'마통' 있으면 6억 집 대출 3.6억→1.5억…'영끌' 틀어막는다
- 담보 있어도 소득 적으면 대출제한... 원리금 분할상환 확대
- '서민 급전' 카드론도 DSR 포함.. 2금융권 규제 더 강화
- DSR(총부채원리금상환비율), 연소득 대비 모든 대출의 원리금 상환액 비율로, 엄격하게 적용할수록 개인별 대출 한도가 줄어듬
- 연소득 중 주택담보대출과 기타대출(신용 대출 등)의 원금과 이자를 갚는데 얼마를 쓰는지 보여준다. 

https://www.hankyung.com/international/article/2021102650261
주가 100% 뛰고 비트코인 10배 폭등…"일 안 할래" 줄퇴사
- '거대한 퇴사의 시대' 미국과 유럽 경제를 뒤흔들고 있는 신조어
- 일손 확보에 실패한 기업들이 인력을 구하려고 임금 인상에 나서면 그 여파는 소비자물가로 번진다.
- 식당, 병원.... 너도나도 구인난, 글로벌 기업은 '임금 전쟁'
- 자산 늘자 노동공급 감소, 펜데믹 기간 미국 은퇴율 대거 증가
- 로봇, AI 전환 빨라질 것

https://www.hankyung.com/economy/article/2021102650781
3분기 성장률 0.3%…올해 4% 달성 '비상'
- '공급망 대란'에 발목잡힌 성장
- 사회적 거리두기가 강화되면서 가계 씀씀이가 줄어든 영향, 원자재, 부품 공급에 차질을 빚으면서 기업 투자도 감소
- 성장률 갉아먹은 내수경기
민간소비와 설비투자, 건설투자를 비롯한 내수경기가 쪼그라든 결과, 그나마 순수출 기여도가 0.8%포인트로 선전하며 내수 부진을 메움, 원자재 값 상승과 물류대란이 그 원인

https://www.hankyung.com/economy/article/202110262816g
날씨 추워도 입는다…판매량 1146% 급증한 OO레깅스
- 보온성 갖춘 기모레깅스 수요 급증

https://www.hankyung.com/international/article/202110263671i
COP26 앞두고 찬물 끼얹은 선진국…"기후기금 증액 시점 연기" [허세민의 더 나은 지구]

https://www.hankyung.com/finance/article/2021102649031
삼바, 영업익 1674억…196% 상승 '깜짝실적'

https://www.hankyung.com/finance/article/2021102649451
"370억에 사들인 회사, 1주일에 400억씩 벌어온다"
- SM 상선
- 2016년 말 한진해운의 미주노선과 자산을 인수해 설립한 SM상선도 3년간 적자를 내다가 지난해 흑자 전환, "370억원에 사고 그동안 3000억원을 까먹었는데, 지금은 1주일에 400억원씩 벌어옴"
- 해운사가 업황에 지나치게 휘둘리지 않고 장기 성장성을 훼손하지 않으려면 유동성을 갖추는게 무엇보다 중요하다고 강조...

https://www.hankyung.com/economy/article/202110264543g
"제네시스·SUV 덕에 살았다"…적게 팔았다던 현대차에 벌어진 일
- 현대차가 올해 3분기 판매량 감소에도 '돈 되는 차' 중심 판매로 수익성 개선 효과를 냈다. -> 3분기 1조 6067억원의 영업이익을 올려 흑자전환함, 매출액은 28조 8672억원으로 전년 동기 대비 4.7% 증가
- 세타2 엔진 관련 품질 비용을 감안하면 사실상 올해 3분기 영업이익은 작년보다 악화한 것
- 스포츠유틸리티차량(SUV), 제네시스 등 고수익 모델 위주 판매로 수익성 개선, 적게 팔았지만 이윤은 많이 남김 

https://www.hankyung.com/economy/article/202110265228Y
공정위, 카카오모빌리티 본사 현장조사…'콜몰아주기' 조사 속도
- 지난해 택시 단체들은 카카오모빌리티가 카카오 가맹택시에 콜을 몰아주는 불공정행위를 하고 있다고 공정위에 신고서를 냈다.

https://www.hankyung.com/economy/article/2021102652075
건강보험이 가로막은 4조 시장…환자 문턱 '여전'
- 손가락을 바늘로 찔러 혈당을 측정했던 기존 방식과 달리, 연속혈당측정기는 한번 붙이면 약 10일간 사용 가능
- 여전히 높은 비용으로 인해 국내 연속혈당측정기를 사용하는 혼자는 전체의 1% 수준에 그치는 것으로 알려짐
- 1형 당뇨의 경우 건강보험 정책 개선으로 기준가의 70%를 환급, 2형 당뇨의 경우 미국, 호주 등 선진국과 달리 환자가 비용을 전액 부담

https://www.hankyung.com/economy/article/2021102652025
기업은행, 3Q 누적 순이익 1.8조↑…작년 순이익 넘었다
- 수출기업을 중심으로 한 거래기업 실적개선과 정부정책 효과 등으로 고정이하여신비율과 총 연체율은 각각 0.85%,, 0.29%로 양호한 건전성을 나타냄

https://www.hankyung.com/economy/article/2021102650471
KT·두나무 이어 하림·ST인터 가세 우리금융 지분 인수전 뜨거워진다
- 발전사, 건설사부터 암호화폐거래소에 이르기까지 다양한 업종의 국내 기업이 앞다퉈 우리금융지주 지분 인수전에 뛰어듦
- ST인터내셔널, 하림그룹, KT, 호반건설, 두나무 등 국내 대기업과 유진PE, 글랜우드PE 등 사모펀드들임
- 대기업 등이 인수전에 뛰어든 것은 우리금융의 투자 매력이 높다는 판단과 향후 금융업 진출의 지렛대로 삼을 수 있다는 기대가 작용
- 우리금융 2019년 지주사 전환 이후 분기 기준 사상 최대 실적을 거둠, 올 3분기까지 누적 당기순이익이 2조 1983억원으로, 1년 전보다 92.8% 증가, 올 3분기까지 누적 당기순이익은 전 분기보다 3.3% 증가, 올해 배당수익률은 6.5% 예상
- 잠재 성장성과 사외이사 등을 통한 경영 참여 가능성도 흥행 요인 중 하나, 우리금융은 5대 금융지주 중 유일하게 증권, 보험 계열사를 갖고 있지 않음, 실탄만 있음 성장여력 강 

https://www.hankyung.com/economy/article/202110265170Y
테슬라 시총 1조달러 돌파에 아시아 전기차·배터리주도 들썩
- 파나소닉, 도쿄증시에서 5.64% 급등한 주당 1527엔에 거래
- 테슬라 공급업체 우후토켄도 13.66% 상승
- 그 이외 전기차, 배터리 관련 종목들도 상승세 

https://www.hankyung.com/economy/article/2021102650291
韓, 필리핀과 FTA 협상 타결…신남방 경제영토 더 넓어졌다
- 신남방 FTA 네트워크 확대
- 이번 FTA로 한국은 전체 품목 중 94.8%, 필리핀은 96.5% 관세 철폐, 친환경차, 자동차, 플라스틱 제품, 문구류, 가공식품 등에서도 관세를 없앰, 반면 농수임산물은 대부분 현재 개방 수준을 유지...

https://www.hankyung.com/car/article/202110265136Y
현대차 "2023년까지 양산할 전기차 배터리 모두 확보"

https://www.hankyung.com/economy/article/2021102651285
"무역액 1조달러 돌파까지 불과 299일 걸렸다"
- 제조업 경쟁력과 함께 수출물량과 단가의 성장세와 수출 저변의 확대 등
- 시스템 반도체와 친환경 자동차, 고부가가치 선박과 2차전지 등이 새로운 수출 유망 품목으로 떠오름

https://www.hankyung.com/economy/article/2021102650985
메타버스에 오신 것을 '웰컴'합니다
- 웰컴금융그룹의 메타버스 활용 

https://www.hankyung.com/economy/article/2021102650895
올해 4% 성장 '적신호'…"내년이 더 문제"
- 에너지 가격과 환율 등 대외 변수들이 본격적인 영향을 미칠 예정

https://www.hankyung.com/economy/article/2021102649251
"월 300억씩 손해본다"…배달업계 한숨 쉬는 이유
- 단건배달은 3~5건을 합쳐 배달하는 묶음배달에 비해 라이더의 동선이 길어져 라이더가 더 많이 필요, 배달앱이 라이더들에게 지급하는 비용도 크게 늘어남
- 단건배달이 늘어나면 배달앱 플랫폼 회사들의 적자가 커지는 구조 

https://www.hankyung.com/economy/article/2021102649541
선진국보다 더 빠른 온실가스 감축…獨 33% 日 35% 韓 40%

https://www.hankyung.com/economy/article/202110264625g
삼성이 내다본 반도체의 미래…"저장→데이터처리 '패러다임 변화'"
- 처리할 데이터 늘어나고 AI, 메타버스, 자율주행, 휴먼 로봇등 반도체 용도 다양화
- 메모리 반도체가 기존 저장 역할뿐 아니라 데이터 처리의 중심이 되는 패러다임 변화가 이미 시작
 
https://www.hankyung.com/economy/article/202110264720Y
하이브 "CB 발행 등 다양한 자금조달 방안 검토중"
- CB(전환사채) 발행 등 다양한 자금 조달 방안을 추진하고 있는 것
- 하이브가 두나무와 BTS 굿즈를 대체불가능토큰(NFT)으로 발행하기 위해 주식 맞교환 등을 추진할 것

https://www.hankyung.com/finance/article/2021102650821
[단독] SK하이닉스, 17년 만에 키파운드리 되찾는다
- LG반도체가 모체, 1999년 현대전자와 합병하면서 하이닉스반도체가 됐고, 2004년 하이닉스가 구조조정 과정에서 비메모리 부문을 분리한 뒤 매그나칩 반도체라는 법인을 세워 해외 CVC 캐피털에 매각
- 키파운드리도 최근 반도체 붐이 일면서 호황.. 시너지 기대