DSR 규제는 금융소비자의 합리적인 소비 평활화를 어렵게 할 뿐 아니라 금융소비자의 신규 대출을 직접적으로 제한하고 신규대출을 제때 받지 못하게 만든다. 더구나 DSR이 높을수록 더 좋은 조건의 신규대출을 받기 어렵게 만드는 등 금융소비자의 대출기회 차별을 심화한다. 따라서 DSR 규제는 금융소비자 권익을 저해하지 않도록 당초 목적에 맞게 재설계해야 한다. DSR 규제의 개선 방향을 제시하자면 다음과 같다. 첫째, DSR 규제를 현행대로 유지해야 한다면 동일행위-동일규제 원칙에 입각하여 규제 차이를 해소해야 한다. 둘째, 금융소비자의 권익이 DSR 규제로 저하되거나 금융소비자가 대출 기회를 차별받지 않도록 DSR 규제의 적용 범위를 조정해야 한다. 마지막으로, 해외에서처럼 DSR 규제를 거시건전성 감독수단의 하나로 주택담보대출에 초점을 맞춰 재설계해야 한다.

Debt Service Ratio (DSR) regulations not only make it difficult for financial consumers to smooth out their rational consumption, but can also directly limit any types of new loan of financial consumers and make it impossible for them to take out new loans on time. Moreover, the higher DSR, the more difficult it is to borrow money from financial companies with better conditions, deepening discrimination in loan opportunities for financial consumers. Therefore, DSR regulations must be redesigned to suit their original purpose so as not to impede the rights and interests of financial consumers. The directions for correcting DSR regulations is as follows. First of all, if DSR regulations must be maintained as they are, the regulatory differences must be resolved based on the principle of same conduct, same regulation. Second, the scope of DSR regulations must be adjusted to ensure that the rights and interests of financial consumers are not diminished by DSR regulations or that financial consumers are not discriminated against in fair lending opportunities. Lastly, like overseas, DSR regulations should be redesigned to focus on retail mortgage loans as one of the macro-prudential supervisory measures.