South Korea’s Financial Services Commission plans to raise the total investment ceiling for ordinary investors in online investment-linked finance, or P2P lending, from 40 million won to 50 million won. The package is aimed at increasing credit supply to mid- and low-credit individuals and sole proprietors, whose loans remain a small share of the sector’s predominantly collateral-backed portfolio. For qualified operators, financial institution linked investment will rise to 50% of a loan’s fundraising amount from 40%, while operators’ own-capital investment limit will double to 40% from 20%. That will allow loans to be executed with two linked financial institutions investing 50% each, instead of requiring at least three. Mutual finance institutions may join the program, and eligible linked loans will expand from personal credit to sole-proprietor credit. The measures also permit small-amount diversified investment, broaden investor disclosures and audits, and introduce stronger procedures for distressed operator closures. The commission is targeting applications and reviews for qualified operators and expanded linked investment in the first quarter of 2027.