“ High - risk , high - volatility products like credit loans , equity linked warrants ( ELW ) , and foreign exchange ( FX ) margin trading can pass on the risk to clients , ” warned South Korea ’ s Financial Supervisory Service ( FSS ) Chairman Kwon Hyuk - se while urging security companies to refrain from over - reliance on such products . “ Individual investors are relying more on leveraged investments for credit loans , ELW , and FX margin trading as the financial market grows more volatile , ” Kwon said in a meeting with financial CEOs held on Wednesday . Credit loans are when customers borrow from securities companies by putting up their stocks or assets as collateral . It is used frequently by day traders who are looking to score high profits in the volatile financial market . Kwon also encouraged security companies to revise their interest rates and service charges of their own accord , and to makes changes that give more consideration towards consumers . “ The recent European fiscal crisis has expanded uncertainties to stock markets in both Korea and abroad , but the Korean market is showing more overreactions without due consideration of fundamentals or potentials . Institutional investors need to use their expertise to make practical decisions , and act as a safety valve of the stock market , ” said Kwon . [ Written by Samji Chung / edited by Soyoung Chung ] ▶ [ 화보 ] 김하늘 , 수영복 몸매 화제 ` 늘씬 하 네 ~`▶ 기아차 , 신형 프라이드 성능 보 니 " 와우 ! "▶ 최준희 , 12 주 만 에 80 kg 감량 화제 ▶ 써니 , “ 내게 집착 하 던 남자 연예인 있 다 ” ▶ 영정 속 웃 고 있 는 故 장효조 감독 [ 아츠 포토 ] [ ⓒ Maeil Business Newspaper & mk . co . kr , All rights reserved ]