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브레이크뉴스 문홍철 기자= 국내 50대 그룹 오너일가 주식담보대출금이 1년 사이 2조8140억원이나 증가한 것으로 나타났다.
오너일가가 보유한 지분의 담보 비중도 1년 전 37.6%에서 올해 49.9%로 12.3%p 상승했다.
1일 리더스인덱스에 따르면 50대 그룹 오너일가 주식담보 현황(2025년 6월 20일 기준 최신 공시 반영)을 조사한 결과, 절반인 25개 그룹에서 1명 이상이 담보 대출을 받은 것으로 파악됐다. 주식담보대출에 이름을 올린 오너일가 수는 전년 98명에서 올해 129명으로 늘었다. 이들이 실행한 담보대출 총액은 약 9조9204억원에 달한다.
대출금 증가액이 가장 큰 그룹은 삼성이다. 삼성가 세 모녀 명의로 실행된 주식담보대출이 1년 전 2조9328억원에서 올해 5조1668억원으로 76.2% 늘었고, 담보 비중도 30.7%에서 55.5%로 상승했다. 이들 세 사람의 대출 총액은 전체 주식담보대출의 절반이 넘는다.
가장 큰 규모의 대출은 홍라희 리움미술관 명예관장이 일으켰다. 지난해 1조7800억원에서 68% 늘어난 2조9900억원을 대출했다. 주식담보 비중도 42.1%에서 79.1%로 상승했다.
장녀 이부진 호텔신라 사장은 5800억원에서 1조1040억원으로 90.3% 늘었고, 차녀 이서현 삼성물산 전략기획담당 사장도 5728억원에서 1조728억원으로 87.3% 증가했다. 이에 따라 세 모녀는 개인별 담보대출 금액 기준으로 나란히 1~3위를 차지했다.
영풍그룹은 대출금 증가율 기준으로 가장 두드러졌다. 대출받은 오너일가 수가 3명에서 18명으로 늘어난 가운데, 총 대출금은 195억원에서 4795억원으로 무려 2359% 급증했다. 고려아연 경영권 분쟁 영향으로 풀이된다. 그 결과 담보 비중도 16.9%에서 85.2%까지 치솟았다.
담보비율이 80%를 넘어서는 그룹도 6곳으로, △태영 △현대백화점 △코오롱 △롯데 △영풍 △금호석유화학 등이다.
이 중 태영그룹은 윤석민 회장과 부친 윤세영 창업회장이 보유 주식 전량을 공동 담보로 설정해 총 4000억원을 대출했다. 지분 100% 담보인 만큼, 주가 하락 시 추가 담보 요구나 상환 압박 가능성이 예상된다.
현대백화점그룹은 대출금은 비교적 적은 310억이지만, 담보 비중은 태영과 마찬가지로 100%다. 지난해 정지선 회장이 단독으로 145억원을 빌렸는데 올해는 명단에서 빠졌다. 대신 그 가족 및 조카 등 6명이 정 회장으로부터 증여받은 현대그린푸드 지분을 담보로 각각 30억~80억원씩 대출을 실행해 전년보다 금액이 커졌다.
코오롱은 담보비중이 기존에도 85.9%로 높은 수준이었는데 99.1%로 더 상승했다. 이웅열 명예회장의 대출금이 600억원에서 649억원으로 8.2% 증가했다.
롯데는 대출금이 전년과 동일한 3174억원이지만, 담보비중은 72.3%에서 88.2%로 상승했다. 신동빈 회장이 2269억원에서 2429억원으로 대출 규모를 늘리면서 담보 주식 비중도 70.4%에서 86.4%로 높아졌다. 신영자 롯데재단 의장은 보유주식 상당량(163만8032주)을 매각하면서 대출금이 905억원에서 745억원으로 줄었지만 담보비중은 79.9%에서 100%로 확대됐다. 신 회장은 오너일가 개인별 대출금 기준 10위, 신 의장은 15위다.
금호석유화학은 주식담보대출금이 954억원에서 619억원으로 35.1% 줄었지만, 담보비중은 56.8%에서 80%로 크게 뛰었다. 박찬구 회장의 조카인 박철환 전 상무와 그의 두 누나가 대출을 모두 상환하면서 오너일가 대출자가 6명에서 3명으로 줄어든 영향이다. 박준경 총괄사장(박찬구 회장 장남)은 지난해부터 486억원의 대출을 유지하며 담보비중 100%를 기록하고 있다.
두산은 1명이 17억원을 빌렸던 전년과 달리 올해는 8명이 총 314억원을 대출해 증가율이 1741.1%에 달했다. 박정원 회장이 300억원 규모의 주식담보대출을 새로 진행한 데 이어, 박혜원 오리콤 부회장 등 5명이 공동 담보로 추가 대출을 일으킨 결과다.
반면, 효성과 DB, SK 등은 담보대출 규모가 축소됐다.
효성 오너일가의 담보대출금은 7582억원에서 1973억원으로 70% 이상 감소했다. 조현준 회장은 4790억원에서 95.4%를 상환해 218억원의 대출금만 남았고, 조현상 사장도 보유주식을 일부 정리하며 2791억원에서 1754억원으로 줄였다. 담보비중도 55.2%에서 25.6%로 낮아졌다.
DB는 대출 총액이 3930억원에서 2453억원으로 37.6% 감소했다. 김남호 명예회장과 김주원 부회장은 전액 상환했고, 부친인 김준기 창업회장은 3210억원에서 2453억원으로 23.6% 줄였다.
SK는 대출자 수가 11명에서 8명으로 줄었고, 총액도 6117억원에서 5842억원으로 감소했다. 담보비중도 45.6%에서 40.6%로 낮아졌지만, 최태원 회장은 전년과 동일한 4895억원 규모의 주식담보대출을 유지하며 개인 기준 4위에 이름을 올렸다.
break9874@naver.com
*아래는 위 기사를 '구글 번역'으로 번역한 영문 기사의 [전문]입니다. 구글번역'은 이해도 높이기를 위해 노력하고 있습니다. 영문 번역에 오류가 있을 수 있음을 전제로 합니다.<*The following is [the full text] of the English article translated by 'Google Translate'. 'Google Translate' is working hard to improve understanding. It is assumed that there may be errors in the English translation.>
50 Group Owners' Families, Stock Collateral Loans Increase by 2.814 Trillion Won in One Year
It was revealed that the stock-collateralized loans of the owners' families of the top 50 conglomerates in Korea increased by 2.814 trillion won in one year.
The collateralized proportion of shares held by the owners' families also increased by 12.3%p from 37.6% a year ago to 49.9% this year.
According to Leaders Index on the 1st, the results of an investigation into the stock-collateralized status of the owners' families of the top 50 conglomerates (reflecting the latest disclosure as of June 20, 2025) showed that more than one person in 25 groups, half of them, received a collateralized loan. The number of owners' families listed on the stock-collateralized loan increased from 98 last year to 129 this year. The total amount of collateralized loans they executed amounts to approximately 9.9204 trillion won.
The group with the largest increase in loans is Samsung. The stock-backed loans executed under the names of the three Samsung family members increased by 76.2% from 2.9328 trillion won a year ago to 5.1668 trillion won this year, and the collateral ratio also increased from 30.7% to 55.5%. The total amount of loans from these three people is more than half of the total stock-backed loans.
The largest loan was taken out by Hong Ra-hee, honorary director of the Leeum Museum of Art. She borrowed 2.99 trillion won, a 68% increase from 1.78 trillion won last year. The stock-backed ratio also increased from 42.1% to 79.1%.
The eldest daughter, Lee Boo-jin, president of Hotel Shilla, increased by 90.3% from 580 billion won to 1.104 trillion won, and the second daughter, Lee Seo-hyun, president of strategic planning at Samsung C&T, also increased by 87.3% from 572.8 billion won to 1.0728 trillion won. Accordingly, the three mothers and daughters ranked 1st to 3rd in terms of the amount of collateral loans per individual.
Youngpoong Group stood out the most in terms of the rate of increase in loans. While the number of owner families receiving loans increased from 3 to 18, the total loan amount increased by a whopping 2,359% from 19.5 billion won to 479.5 billion won. This is interpreted as the effect of the dispute over management rights at Korea Zinc. As a result, the collateral ratio also soared from 16.9% to 85.2%.
There are also six groups with a collateral ratio exceeding 80%, including Taeyoung, Hyundai Department Store, Kolon, Lotte, Youngpoong, and Kumho Petrochemical.
Among them, Taeyoung Group borrowed a total of 400 billion won by jointly setting all of the stocks owned by Chairman Yoon Seok-min and his father, Founding Chairman Yoon Se-young, as collateral. Since 100% of the shares are collateral, additional collateral demands or pressure to repay are expected in the event of a stock price drop.
Hyundai Department Store Group has a relatively small loan of 31 billion won, but its collateral ratio is 100%, just like Taeyoung. Last year, Chairman Jeong Ji-sun borrowed 14.5 billion won on his own, but he was removed from the list this year. Instead, six people, including his family and nephews, used the Hyundai Green Food shares they received as collateral from Chairman Jeong to execute loans of 3 to 8 billion won each, increasing the amount from the previous year.
Kolon’s collateral ratio was already high at 85.9%, but it rose further to 99.1%. Honorary Chairman Lee Woong-yeol’s loan increased by 8.2% from 60 billion won to 64.9 billion won.
Lotte’s loan ratio is the same as the previous year at 317.4 billion won, but its collateral ratio increased from 72.3% to 88.2%. As Chairman Shin Dong-bin increased the loan size from 226.9 billion won to 242.9 billion won, his collateral stock ratio also increased from 70.4% to 86.4%. Lotte Foundation Chairman Shin Young-ja sold a significant portion of her stock holdings (1,638,032 shares) and her loan amount decreased from 90.5 billion won to 74.5 billion won, but her collateral ratio increased from 79.9% to 100%. Chairman Shin ranked 10th in terms of individual loans from the owner family, while Chairman Shin ranked 15th.
Kumho Petrochemical’s stock-collateralized loans decreased by 35.1% from 95.4 billion won to 61.9 billion won, but its collateral ratio jumped significantly from 56.8% to 80%. This is because former Managing Director Park Cheol-hwan, nephew of Chairman Park Chan-goo, and his two older sisters repaid all their loans, reducing the number of owner family borrowers from 6 to 3. CEO Park Jun-kyung (Chairman Park Chan-goo’s eldest son) has maintained a collateral ratio of 100% since last year, maintaining a loan amount of 48.6 billion won.
Unlike the previous year when one person borrowed 1.7 billion won, Doosan saw an increase of 1,741.1% this year, with eight people borrowing a total of 31.4 billion won. This is the result of Chairman Park Jeong-won newly taking out a 30 billion won stock-backed loan, and five people, including Vice Chairman Park Hye-won of Oricom, taking out an additional loan with joint collateral.
On the other hand, Hyosung, DB, and SK saw their secured loan sizes shrink.
The secured loan amount of Hyosung’s owner family decreased by more than 70% from 758.2 billion won to 197.3 billion won. Chairman Cho Hyun-joon repaid 95.4% of his 479 billion won loan, leaving only 21.8 billion won in loans, and President Cho Hyun-sang also reduced his loan amount from 279.1 billion won to 175.4 billion won by reorganizing some of his stock holdings. The collateral ratio also decreased from 55.2% to 25.6%.
DB's total loan amount decreased by 37.6% from 393 billion won to 245.3 billion won. Honorary Chairman Kim Nam-ho and Vice Chairman Kim Joo-won repaid all of their loans, while their father, founding Chairman Kim Jun-ki, reduced his loans by 23.6% from 321 billion won to 245.3 billion won. SK's number of borrowers decreased from 11 to 8, and the total amount also decreased from 611.7 billion won to 584.2 billion won. The collateral ratio also decreased from 45.6% to 40.6%, but Chairman Choi Tae-won maintained the same amount of stock-backed loans as the previous year at 489.5 billion won, ranking 4th on an individual basis.
