According to the guidelines, a company reorganizing its business structure can have a four-year grace period with regard to cross-shareholding regulations, joint investment in a sub-subsidiary is allowed, and a sub-subsidiary’s minimum shareholding ratio in a sub-sub-subsidiary is to be lowered from 100 percent to 50 percent. In addition, shares in a non-affiliate can be owned for four years, and even a business group with 5 trillion won (US$4.5 billion) or more in total assets and subject to the ban on mutual investment is allowed to guarantee its affiliates' debt on the condition of business