{"id":25645,"date":"2019-07-24T09:49:52","date_gmt":"2019-07-24T00:49:52","guid":{"rendered":"http:\/\/www.smallake.kr\/?p=25645"},"modified":"2019-07-24T10:04:39","modified_gmt":"2019-07-24T01:04:39","slug":"%ec%9d%80%ed%96%89%ec%97%86%eb%8a%94-%ec%9d%80%ed%96%89-%ec%9d%80%ed%96%89%ec%95%84%eb%8b%8c-%ec%9d%80%ed%96%89%ec%9d%98-%eb%b9%84%ec%a7%80%eb%8b%88%ec%8a%a4%eb%aa%a8%eb%8d%b8","status":"publish","type":"post","link":"https:\/\/smallake.kr\/?p=25645","title":{"rendered":"\uc740\ud589\uc5c6\ub294 \uc740\ud589, \uc740\ud589\uc544\ub2cc \uc740\ud589\uc758 \ube44\uc9c0\ub2c8\uc2a4\ubaa8\ub378"},"content":{"rendered":"<p>1.<br \/>\n\uc740\ud589\uc5c6\ub294 \uc740\ud589.<\/p>\n<p>\ud540\ud14c\ud06c \ud639\uc740 \ube45\ud14c\ud06c\ub97c \ub17c\ud560 \ub54c, \uc740\ud589\uc758 \ubbf8\ub798\ub97c \ub17c\ud560 \ub54c \uc790\uc8fc \ub4f1\uc7a5\ud558\ub294 \ud45c\ud604\uc785\ub2c8\ub2e4. \uc5bc\ub9c8\uc804 \ud540\ud14c\ud06c\uc9c0\uc6d0\uc13c\ud130\uac00 \uc8fc\ucd5c\ud55c 2019 \ud540\ud14c\ud06c (\ub125\uc2a4\ud2b8) \ub9ac\ub354\uc2a4 \uc544\uce74\ub370\ubbf8 \ub54c \ube44\uc9c0\ub2c8\uc2a4\ubaa8\ub378\uc744 \uac15\uc758\ud558\uae30 \uc804\uae4c\uc9c0 \uadf8\ub0e5 \uc77d\uc5c8\uc2b5\ub2c8\ub2e4.  \uad50\uc721\uc744 \uc900\ube44\ud558\uba74\uc11c \uc5ec\ub7ec\uac00\uc9c0 \uc790\ub8cc\ub97c \uc77d\uc73c\uba74\uc11c \ubb34\uc2a8 \ub9d0\uc778\uc9c0 \uc774\ud574\ub97c \ud558\uc600\uc2b5\ub2c8\ub2e4.  \uc740\ud589\uc744 \ub5a0\uc62c\ub9ac\uba74 \uac00\uc7a5 \uae30\ubcf8\uc801\uc778 \uae30\ub2a5\uc740 \uc138\uac00\uc9c0\uc785\ub2c8\ub2e4. \uc800\ucd95(Savings), \ub300\ucd9c(Lendering), \uc9c0\uae09\uc1a1\uae08(Payment, Transfer)\uc785\ub2c8\ub2e4.   \uc774\uc911 \uc800\ucd95\uc740 \uc0ac\uc2e4\uc0c1 \uc800\ucd95\uc73c\ub85c\uc11c\uc758 \uae30\ub2a5\uc744 \uc0c1\uc2e4\ud558\uc600\uc2b5\ub2c8\ub2e4. 70\ub144\ub300 \uc740\ud589\uae08\ub9ac\uac00 \uba87 \uc2ed%\uc77c \ub54c\ub3c4 \uc788\uc5c8\uc9c0\ub9cc \uc694\uc998 \uc740\ud589\uc774 \uc81c\uc2dc\ud558\ub294 \uc218\uc2e0\uae08\ub9ac\ub294 1~2%\uc804\ud6c4\uc785\ub2c8\ub2e4. \uc800\uae08\ub9ac\uac00 \ub274\ub178\ub9d0\uc774 \ub418\uc9c0 \uc624\ub798\uc785\ub2c8\ub2e4. \uc800\ucd95\uacc4\uc88c\ub77c\uace0 \ud558\uc9c0\ub9cc \uc0ac\uc2e4\uc0c1 \uc9c0\ubd88\uacc4\uc88c\ub85c\uc11c\uc758 \uc5ed\ud560\uc744 \uc218\ud589\ud569\ub2c8\ub2e4. \ub300\ucd9c\uc740 \uc5ec\uc804\ud788 \uc911\uc694\ud558\uc9c0\ub9cc \ub300\ucd9c\uc2dc\uc7a5\uc740 \uc911\uc2e0\uc6a9\ub3c4 \uc911\uae08\ub9ac\ub300\ucd9c\ub85c \uc62e\uaca8\uc9c4\uc9c0 \uc624\ub798\uc785\ub2c8\ub2e4. \uc800\ucd95\uc740\ud589, P2P\ub300\ucd9c\uc5c5\uccb4\ub4f1\uacfc \uacbd\uc7c1\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc9c0\uae09\uacb0\uc81c\ub294 \uac04\ud3b8\uacb0\uc81c\uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\uace0 \uc804\uc790\uae08\uc735\uc5c5\uc790\ub4e4\uc774 \uc2dc\uc7a5\uc5d0\uc11c \ud070 \ud798\uc744 \ubc1c\ud718\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\uc911 \uc804\uc790\uae08\uc735\uc5c5\uc790\uc911 \uce74\uce74\uc624\ud398\uc774, \ud1a0\uc2a4\ub294 \uc120\ubd88\ucda9\uc804\uae08\uc73c\ub85c \ubcf4\uc720\ud558\uace0 \uc788\ub294 \uae08\uc561\uc774 2018\ub144\ub9d0 \uae30\uc900\uc73c\ub85c \uc774\ucc9c\uc5b5\uc6d0 \uc815\ub3c4\uc785\ub2c8\ub2e4. \uc740\ud589\uc544\ub2cc \uc740\ud589\uc774\ub77c\uace0 \ud574\ub3c4 \ub418\uc9c0\uc54a\uc744\uae4c\uc694? \ubb3c\ub860 \uc720\uc0ac\uc218\uc2e0\ud589\uc704\ub77c\uace0 \ud560 \uc218 \uc788\uc9c0\ub9cc.<\/p>\n<blockquote><p>\n\uc5c5\uacc4\uc5d0\uc120 \uc120\ubd88\uc804\uc790\uc9c0\uae09 \uc218\ub2e8\uc5d0 \uc313\uc774\ub294 \uac04\ud3b8\uacb0\uc81c \ucda9\uc804\uae08\uc758 \uaddc\ubaa8\uac00 \ucee4\uc9d0\uc5d0 \ub530\ub77c \uc608\uae08\uc790 \ubcf4\ud638\ub300\ucc45\uc744 \ub9c8\ub828\ud574\uc57c \ud55c\ub2e4\ub294 \ubaa9\uc18c\ub9ac\ub97c \ub192\uc774\uace0 \uc788\ub2e4. \uc120\ubd88\uc804\uc790\uc9c0\uae09 \uc218\ub2e8\uc5d0 \uc313\uc778 \ucda9\uc804\uae08\uc740 \uc608\uae08\uc790\ubcf4\ud638 \ub300\uc0c1\uc774 \uc544\ub2c8\uae30 \ub54c\ubb38\uc5d0 \uc18c\ube44\uc790 \ud53c\ud574\ub098 \uae08\uc735\uc0ac\uace0\ub85c \uc774\uc5b4\uc9c8 \uc218 \uc788\ub2e4\ub294 \uc9c0\uc801\uc774\ub2e4. \uc9c0\ub09c\ud574 \ub9d0 \uae30\uc900 \uce74\uce74\uc624\ud398\uc774\ub294 1299\uc5b5\uc6d0, \ud1a0\uc2a4\ub294 586\uc5b5\uc6d0, \ud540\ud06c\ub294 45\uc5b5\uc6d0 \uaddc\ubaa8\ub85c \ucda9\uc804\uae08\uc744 \uc313\uc558\ub2e4. \uc9c0\ub09c 2017\ub144 \ub9d0\uacfc \ube44\uad50\ud558\uba74 \uce74\uce74\uc624\ud398\uc774\ub294 246%, \ud1a0\uc2a4\ub294 44%, \ud540\ud06c\ub294 33% \uc99d\uac00\ud55c \uc218\uc900\uc774\ub2e4. \ud604\uc7ac \uc120\ubd88\uc804\uc790\uc9c0\uae09\uc5c5\uc758 \ucda9\uc804\uae08 \ud55c\ub3c4\ub294 200\ub9cc\uc6d0\uc774\uc9c0\ub9cc \uae08\uc735\ub2f9\uad6d\uc740 \ud5a5\ud6c4 300\ub9cc~500\ub9cc\uc6d0\uc73c\ub85c \uc778\uc0c1\ud560 \uc608\uc815\uc774\ub2e4. \uc5c5\uacc4\uc5d0\uc120 \ucda9\uc804\uae08 \ud55c\ub3c4\uac00 \ub192\uc544\uc9d0\uc5d0 \ub530\ub77c \uae08\uc735\uc18c\ube44\uc790\uac00 \uc774\ub4e4 \uc5c5\uccb4\uc5d0 \uc608\uce58\ud558\ub294 \ucda9\uc804\uae08 \uaddc\ubaa8\uac00 \ub354\uc6b1 \ucee4\uc9c8 \uac83\uc73c\ub85c \uc804\ub9dd\ud558\uace0 \uc788\ub2e4.<strong>\uce74\uce74\uc624\ud398\uc774\uc640 \ud1a0\uc2a4\uc758 \ucda9\uc804\uae08 \uaddc\ubaa8\ub294 79\uacf3\uc758 \uc800\ucd95\uc740\ud589 \uc608\uc218\uae08 \uc911 \ud558\uc704\uad8c \uc218\uc900\uc73c\ub85c \uc6ec\ub9cc\ud55c \uc911\uc18c \uc800\ucd95\uc740\ud589 \uc218\uc900\uae4c\uc9c0 \ub369\uce58\uac00 \ucee4\uc9c4 \uc0c1\ud669\uc774\ub2e4.<\/strong><br \/>\n<a href=\"http:\/\/www.kbanker.co.kr\/news\/articleView.html?idxno=82456\" rel=\"noopener\" target=\"_blank\">\uc608\uae08\ubcf4\ud638 \uc548\ub418\ub294\ub370 \ub3c8 \ub9e1\uae30\ub77c\ub294 \uce74\uce74\uc624\ud398\uc774\u2219\ud1a0\uc2a4<\/a>\uc911\uc5d0\uc11c<\/p><\/blockquote>\n<p>\uc740\ud589 \uc544\ub2cc \uc740\ud589\uc778 \uc804\uc790\uae08\uc735\uc5c5\uc790\ub4e4\uc774 \uc740\ud589\uc744 \uacf5\uaca9\ud558\ub294 \ud615\uad6d\uc774\uace0 \uc804\ud1b5\uc801\uc778 \uc740\ud589\uc5c5\ubb34\uac00 \ud574\uccb4(Unbundling)\ub418\ub294 \uacfc\uc815\uc5d0\uc11c \uc8fc\ub3c4\uad8c\uc744 \uc7a1\uae30 \uc704\ud574 \uc740\ud589, \uc804\uc790\uae08\uc735\uc5c5\uc790, \uc800\ucd95\uc740\ud589 \ub4f1\uc774 \uacbd\uc7c1\uc744 \ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc5ec\uae30\uc5d0 \uae30\ub984\uc744 \ubd80\uc740 \uac83\uc774 \uae08\uc735\uc704\uc6d0\ud68c\uc758 \uc624\ud508\ubc45\ud0b9\uc785\ub2c8\ub2e4. <a href=\"https:\/\/www.smallake.kr\/?p=12649\" rel=\"noopener\" target=\"_blank\">\ud55c\uad6d\ud615 \uc624\ud508\ubc45\ud0b9\uacfc \uae08\uc735\uacb0\uc81c\ub9dd \uac1c\ubc29<\/a>\uc5d0 \uc0b4\ud3c8\ub358 \uac83\ucc98\ub7fc \uae08\uc735\uacb0\uc81c\ub9dd \uc0ac\uc6a9\ub8cc\uac00 \ub0ae\uc544\uc9c0\uba74 \ud1a0\uc2a4\uc640 \uac19\uc740 \ud68c\uc0ac\ub4e4\uc774 \uae08\uc735\uacb0\uc81c\uc6d0\uc5d0 \uc9c0\uae09\ud558\ub358 \uc218\uc218\ub8cc\uac00 1\/10\ub85c \ub0ae\uc544\uc9c0\uba74\uc11c \uacbd\uc7c1\ub825 \ub610\ud55c \ucee4\uc9c8 \ub4ef \ud569\ub2c8\ub2e4. \uc5ec\uae30\uc5d0 \uc804\uc790\uae08\uc735\uc5c5\uc744 \uac1c\ud3b8\ud558\uc5ec \uc885\ud569\uc9c0\uae09\uacb0\uc81c\uc5c5\uc744 \ub3c4\uc785\ud558\uba74  \uc9c0\uae09\uacb0\uc81c\ub97c \ubb34\uae30\ub85c \uc740\ud589\uacfc \uacbd\uc7c1\ud558\ub294 \uc740\ud589\uc5c6\ub294 \uc740\ud589\uc774 \ub4f1\uc7a5\ud569\ub2c8\ub2e4. <\/p>\n<p>PSD2\ub85c \uc9c0\uae09\uacb0\uc81c\ud658\uacbd\uc774 \ubc14\ub00c\uace0 \uc788\uace0 \uc624\ud508\ubc45\ud0b9 \ubc0f small banking license\ub85c \ub2e4\uc591\ud55c \uc740\ud589\uc774 \ub4f1\uc7a5\ud558\ub294 \uc720\ub7fd\uc758 \uacbd\uc6b0 <a href=\"http:\/\/www.hanaif.re.kr\/kor\/jsp\/board\/board.jsp?sa=ci&#038;bid=178&#038;pg=1&#038;no=34024\" rel=\"noopener\" target=\"_blank\">\ubcc0\ud601\uc758 \uc2dc\ub300\ub97c \ub9de\uc774\ud558\uace0 \uc788\ub294 \uc720\ub7fd \ub9ac\ud14c\uc77c \uc740\ud589<\/a>\uc744 \ub2e4\uc591\ud55c \ubcc0\ud654\uac00 \uc77c\uc5b4\ub098\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<iframe src=\"\/\/docs.google.com\/viewer?url=https%3A%2F%2Fwww.smallake.kr%2Fwp-content%2Fuploads%2F2019%2F07%2F%EB%B3%80%ED%98%81%EC%9D%98-%EC%8B%9C%EB%8C%80%EB%A5%BC-%EB%A7%9E%EC%9D%B4%ED%95%98%EA%B3%A0-%EC%9E%88%EB%8A%94-%EC%9C%A0%EB%9F%BD-%EB%A6%AC%ED%85%8C%EC%9D%BC-%EC%9D%80%ED%96%89.pdf&hl=ko&embedded=true\" class=\"gde-frame\" style=\"width:100%; height:500px; border: none;\" scrolling=\"no\"><\/iframe>\n<p class=\"gde-text\"><a href=\"https:\/\/www.smallake.kr\/wp-content\/uploads\/2019\/07\/\ubcc0\ud601\uc758-\uc2dc\ub300\ub97c-\ub9de\uc774\ud558\uace0-\uc788\ub294-\uc720\ub7fd-\ub9ac\ud14c\uc77c-\uc740\ud589.pdf\" class=\"gde-link\">Download (PDF, 412KB)<\/a><\/p>\n<p>\uc774\uc640 \uac19\uc740 \ubcc0\ud654\uac00 \uc740\ud589\uc758 \uc218\uc775\uc774 \uc5b4\ub5bb\uac8c \ubcc0\ud654\ud558\uc5ec\uc57c \ud558\ub294\uc9c0\ub97c <a href=\"http:\/\/www.hanaif.re.kr\/kor\/jsp\/board\/board.jsp?sa=ci&#038;bid=178&#038;pg=1&#038;no=34052\" rel=\"noopener\" target=\"_blank\">\uc740\ud589\uc758 \ub514\uc9c0\ud138\ud654\uc5d0 \ub530\ub978 \uc218\uc775\uad6c\uc870 \ubcc0\ud654<\/a>\uc5d0\uc11c \ud655\uc778\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <a href=\"https:\/\/www.accenture.com\/us-en\/insights\/banking\/does-digital-banking-leadership-matter\" rel=\"noopener\" target=\"_blank\">Does digital leadership in banking really matter?<\/a>\uc744 \uc18c\uac1c\ud558\ub294 \ubcf4\uace0\uc11c\uc785\ub2c8\ub2e4.<\/p>\n<p><iframe src=\"\/\/docs.google.com\/viewer?url=https%3A%2F%2Fwww.smallake.kr%2Fwp-content%2Fuploads%2F2019%2F07%2FAccenture-Banking-Does-Digital-Leadership-Matter.pdf&hl=ko&embedded=true\" class=\"gde-frame\" style=\"width:100%; height:500px; border: none;\" scrolling=\"no\"><\/iframe>\n<p class=\"gde-text\"><a href=\"https:\/\/www.smallake.kr\/wp-content\/uploads\/2019\/07\/Accenture-Banking-Does-Digital-Leadership-Matter.pdf\" class=\"gde-link\">Download (PDF, 1.36MB)<\/a><\/p><br \/>\n<iframe src=\"\/\/docs.google.com\/viewer?url=https%3A%2F%2Fwww.smallake.kr%2Fwp-content%2Fuploads%2F2019%2F07%2F%EC%9D%80%ED%96%89%EC%9D%98-%EB%94%94%EC%A7%80%ED%84%B8%ED%99%94%EC%97%90-%EB%94%B0%EB%A5%B8-%EC%88%98%EC%9D%B5%EA%B5%AC%EC%A1%B0-%EB%B3%80%ED%99%94.pdf&hl=ko&embedded=true\" class=\"gde-frame\" style=\"width:100%; height:500px; border: none;\" scrolling=\"no\"><\/iframe>\n<p class=\"gde-text\"><a href=\"https:\/\/www.smallake.kr\/wp-content\/uploads\/2019\/07\/\uc740\ud589\uc758-\ub514\uc9c0\ud138\ud654\uc5d0-\ub530\ub978-\uc218\uc775\uad6c\uc870-\ubcc0\ud654.pdf\" class=\"gde-link\">Download (PDF, 420KB)<\/a><\/p><\/p>\n<p>\ucc38\uace0\ub85c Oliver Wyman\uc774 \ubc1c\ud45c\ud55c <a href=\"https:\/\/www.oliverwyman.com\/our-expertise\/insights\/2019\/jul\/digital-transformation-finance-function.html\" rel=\"noopener\" target=\"_blank\">Digital transformation of the finance function<\/a>\uc744 \ubcf4\uba74 \uc740\ud589\uc758 \uc5c5\ubb34\uac00 \uc5b4\ub5bb\uac8c \ubcc0\ud654\ud558\uc5ec\uc57c \ud558\ub294\uc9c0\ub97c \uc81c\uc548\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<iframe src=\"\/\/docs.google.com\/viewer?url=https%3A%2F%2Fwww.smallake.kr%2Fwp-content%2Fuploads%2F2019%2F07%2FDigital_Transformation_Finance_Function.pdf&hl=ko&embedded=true\" class=\"gde-frame\" style=\"width:100%; height:500px; border: none;\" scrolling=\"no\"><\/iframe>\n<p class=\"gde-text\"><a href=\"https:\/\/www.smallake.kr\/wp-content\/uploads\/2019\/07\/Digital_Transformation_Finance_Function.pdf\" class=\"gde-link\">Download (PDF, 517KB)<\/a><\/p>\n<p>2.<br \/>\n\uc694\uc998 \ud540\ud14c\ud06c\ub77c\ub294 \ud45c\ud604\uc678\uc5d0 \ube45\ud14c\ud06c(BigTech)\ub77c\ub294 \ud45c\ud604\uc774 \uc790\uc8fc \ub4f1\uc7a5\ud569\ub2c8\ub2e4. \ud398\uc774\uc2a4\ubd81, \uc560\ud50c, \uad6c\uae00, \uc544\ub9c8\uc874\uacfc \uac19\uc740 \ud68c\uc0ac\ub4e4\uc774 \uae08\uc735\uc5c5\uc5d0 \uc9c4\ucd9c\ud558\uba74\uc11c \uc0c8\ub85c\uc6b4 \ubcc0\ud654\ub97c \uc77c\uc73c\ud0a4\ub294 \uac83\uc744 \uc9c0\uce6d\ud569\ub2c8\ub2e4. \uad6d\uc81c\uacb0\uc81c\uc740\ud589(BIS)\ub294 <a href=\"https:\/\/www.bis.org\/publ\/arpdf\/ar2019e3.htm\" rel=\"noopener\" target=\"_blank\">Big tech in finance: opportunities and risks<\/a>\ub97c \ud1b5\ud558\uc5ec Bigtech\ub97c \uc790\uc138\ud788 \ubd84\uc11d\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<iframe src=\"\/\/docs.google.com\/viewer?url=https%3A%2F%2Fwww.smallake.kr%2Fwp-content%2Fuploads%2F2019%2F07%2FBig-tech-in-finance.pdf&hl=ko&embedded=true\" class=\"gde-frame\" style=\"width:100%; height:500px; border: none;\" scrolling=\"no\"><\/iframe>\n<p class=\"gde-text\"><a href=\"https:\/\/www.smallake.kr\/wp-content\/uploads\/2019\/07\/Big-tech-in-finance.pdf\" class=\"gde-link\">Download (PDF, 423KB)<\/a><\/p>\n<p>\uc774\uc640 \uad00\ub828\ud558\uc5ec \ube45\ud14c\ud06c\ub4e4\uc774 \uc5b4\ub5a4 \ube44\uc9c0\ub2c8\uc2a4\ub97c \uc9c4\ud589\ud558\uace0 \uc788\ub294\uc9c0\ub97c \uc18c\uac1c\ud55c \ubcf4\uace0\uc11c\ub4e4\uc785\ub2c8\ub2e4.<\/p>\n<p><iframe src=\"\/\/docs.google.com\/viewer?url=https%3A%2F%2Fwww.smallake.kr%2Fwp-content%2Fuploads%2F2019%2F07%2FApple-Card%EC%9D%98-%ED%8A%B9%EC%A7%95%EA%B3%BC-%ED%96%A5%ED%9B%84-%EC%A0%84%EB%A7%9D.pdf&hl=ko&embedded=true\" class=\"gde-frame\" style=\"width:100%; height:500px; border: none;\" scrolling=\"no\"><\/iframe>\n<p class=\"gde-text\"><a href=\"https:\/\/www.smallake.kr\/wp-content\/uploads\/2019\/07\/Apple-Card\uc758-\ud2b9\uc9d5\uacfc-\ud5a5\ud6c4-\uc804\ub9dd.pdf\" class=\"gde-link\">Download (PDF, 1.71MB)<\/a><\/p><br \/>\n<iframe src=\"\/\/docs.google.com\/viewer?url=https%3A%2F%2Fwww.smallake.kr%2Fwp-content%2Fuploads%2F2019%2F07%2FAmazon-Lending%EB%B9%85%EB%8D%B0%EC%9D%B4%ED%84%B0%EB%A5%BC-%EC%9D%B4%EC%9A%A9%ED%95%9C-%EB%B9%84%EA%B8%88%EC%9C%B5%EC%97%85%EC%9D%98-%EA%B8%B0%EC%97%85%EA%B8%88%EC%9C%B5-%EC%A7%84%EC%B6%9C.pdf&hl=ko&embedded=true\" class=\"gde-frame\" style=\"width:100%; height:500px; border: none;\" scrolling=\"no\"><\/iframe>\n<p class=\"gde-text\"><a href=\"https:\/\/www.smallake.kr\/wp-content\/uploads\/2019\/07\/Amazon-Lending\ube45\ub370\uc774\ud130\ub97c-\uc774\uc6a9\ud55c-\ube44\uae08\uc735\uc5c5\uc758-\uae30\uc5c5\uae08\uc735-\uc9c4\ucd9c.pdf\" class=\"gde-link\">Download (PDF, 727KB)<\/a><\/p><\/p>\n<p>\uc774\uc911\uc5d0\uc11c \ud398\uc774\uc2a4\ubd81\uc758 Libra\ub294 \ub0b4\uc678\uc5d0\uc11c \ub9ce\uc740 \uad00\uc2ec\uc744 \ubc1b\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc554\ud638\ud1b5\ud654\uc640 \uad00\ub828\ud558\uc5ec \ud2b9\ubcc4\ud55c \ubcf4\uace0\uc11c\ub97c \ubc1c\ud45c\ud558\uc9c0 \uc54a\ub294 \uae08\uc735\uc704\uc6d0\ud68c\ub3c4 &#8216;\ub9ac\ube0c\ub77c \uc774\ud574 \ubc0f \uad00\ub828\ub3d9\ud5a5&#8217;\uc744 \ubc1c\ud45c\ud558\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n<p><iframe src=\"\/\/docs.google.com\/viewer?url=https%3A%2F%2Fwww.smallake.kr%2Fwp-content%2Fuploads%2F2019%2F07%2F%EB%A6%AC%EB%B8%8C%EB%9D%BC-%EC%9D%B4%ED%95%B4-%EB%B0%8F-%EA%B4%80%EB%A0%A8%EB%8F%99%ED%96%A5.pdf&hl=ko&embedded=true\" class=\"gde-frame\" style=\"width:100%; height:500px; border: none;\" scrolling=\"no\"><\/iframe>\n<p class=\"gde-text\"><a href=\"https:\/\/www.smallake.kr\/wp-content\/uploads\/2019\/07\/\ub9ac\ube0c\ub77c-\uc774\ud574-\ubc0f-\uad00\ub828\ub3d9\ud5a5.pdf\" class=\"gde-link\">Download (PDF, 528KB)<\/a><\/p><br \/>\n<iframe src=\"\/\/docs.google.com\/viewer?url=https%3A%2F%2Fwww.smallake.kr%2Fwp-content%2Fuploads%2F2019%2F07%2F%ED%8E%98%EC%9D%B4%EC%8A%A4%EB%B6%81%EC%9D%98%EA%B8%88%EC%9C%B5%ED%94%8C%EB%9E%AB%ED%8F%BC%EC%A7%84%EC%B6%9C.pdf&hl=ko&embedded=true\" class=\"gde-frame\" style=\"width:100%; height:500px; border: none;\" scrolling=\"no\"><\/iframe>\n<p class=\"gde-text\"><a href=\"https:\/\/www.smallake.kr\/wp-content\/uploads\/2019\/07\/\ud398\uc774\uc2a4\ubd81\uc758\uae08\uc735\ud50c\ub7ab\ud3fc\uc9c4\ucd9c.pdf\" class=\"gde-link\">Download (PDF, 881KB)<\/a><\/p><\/p>\n<p>\ud398\uc774\uc2a4\ubd81\uc774 \uc65c Libra\ub97c \ub9cc\ub4e4\uc5b4\uc11c \ucd94\uc9c4\ud560\uae4c? \ud604\uc7ac \uad6d\uc81c\uc801\uc73c\ub85c \uc9c0\uae09\uacb0\uc81c\uc640 \uad00\ub828\ud55c \ud575\uc2ec\uc774\uc288\ub294 \uad6d\uac00\uac04 \uc2e4\uc2dc\uac04 \uc9c0\uae09\uacb0\uc81c\uc11c\ube44\uc2a4 \uad6c\ucd95\uc785\ub2c8\ub2e4. \ud604\uc7ac SWIFT\ub97c \uc774\uc6a9\ud558\uc9c0 \uc54a\uace0 \ubcc4\ub3c4\uc758 \ub124\ud2b8\uc6cc\ud06c\ub97c \uad6c\ucd95\ud558\uc5ec \uc774\uc5d0 \ub300\uc751\ud558\ub824\uace0 \ud569\ub2c8\ub2e4. SWIFT\ub3c4 SWIFT gpi\ub97c \ub9cc\ub4e4\uc5b4 \ub300\uc751\ud558\uace0 \uc788\uc9c0\ub9cc \ud575\uc2ec\ud750\ub984\uc740 \ube14\ub85d\uccb4\uc778\uae30\ubc18\uc785\ub2c8\ub2e4. Ripple\uc678\uc5d0 \uc5ec\ub7ec\uacf3\uc5d0\uc11c \uc900\ube44\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<iframe src=\"\/\/docs.google.com\/viewer?url=https%3A%2F%2Fwww.smallake.kr%2Fwp-content%2Fuploads%2F2019%2F07%2FIBM%EC%9D%98-%EB%B8%94%EB%A1%9D%EC%B2%B4%EC%9D%B8-%EA%B8%B0%EB%B0%98-%EC%A7%80%EA%B8%89%EA%B2%B0%EC%A0%9C-%EB%84%A4%ED%8A%B8%EC%9B%8C%ED%81%AC-%EC%A3%BC%EC%9A%94-%ED%8A%B9%EC%A7%95-%EB%B0%8F-%EA%B8%B0%EB%8C%80%ED%9A%A8%EA%B3%BC.pdf&hl=ko&embedded=true\" class=\"gde-frame\" style=\"width:100%; height:500px; border: none;\" scrolling=\"no\"><\/iframe>\n<p class=\"gde-text\"><a href=\"https:\/\/www.smallake.kr\/wp-content\/uploads\/2019\/07\/IBM\uc758-\ube14\ub85d\uccb4\uc778-\uae30\ubc18-\uc9c0\uae09\uacb0\uc81c-\ub124\ud2b8\uc6cc\ud06c-\uc8fc\uc694-\ud2b9\uc9d5-\ubc0f-\uae30\ub300\ud6a8\uacfc.pdf\" class=\"gde-link\">Download (PDF, 1.89MB)<\/a><\/p>\n<p> JP Morgan\uc740 JPM Coin\uacfc NII\ub97c \ud1b5\ud558\uc5ec \uc8fc\ub3c4\uad8c\uc744 \uc7a1\uc73c\ub824\uace0 \ub178\ub825\uc911\uc785\ub2c8\ub2e4.<\/p>\n<p><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/www.smallake.kr\/wp-content\/uploads\/2019\/07\/JPMCoin1-1.png?w=1130&#038;ssl=1\" alt=\"\"  class=\"aligncenter size-full wp-image-27674\" srcset=\"https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2019\/07\/JPMCoin1-1.png?w=2047&amp;ssl=1 2047w, https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2019\/07\/JPMCoin1-1.png?resize=300%2C158&amp;ssl=1 300w, https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2019\/07\/JPMCoin1-1.png?resize=200%2C105&amp;ssl=1 200w\" sizes=\"(max-width: 1130px) 100vw, 1130px\" \/><br \/>\n<img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/www.smallake.kr\/wp-content\/uploads\/2019\/07\/JPMCoin2.png?w=1130&#038;ssl=1\" alt=\"\"  class=\"aligncenter size-full wp-image-27675\" srcset=\"https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2019\/07\/JPMCoin2.png?w=2067&amp;ssl=1 2067w, https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2019\/07\/JPMCoin2.png?resize=300%2C157&amp;ssl=1 300w, https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2019\/07\/JPMCoin2.png?resize=200%2C105&amp;ssl=1 200w\" sizes=\"(max-width: 1130px) 100vw, 1130px\" \/><\/p>\n<iframe src=\"\/\/docs.google.com\/viewer?url=https%3A%2F%2Fwww.smallake.kr%2Fwp-content%2Fuploads%2F2019%2F07%2FJPMorgan%EC%9D%98-JPM-Coin-%EA%B0%9C%EB%B0%9C-%EB%B0%8F-%EC%8B%9C%EC%82%AC%EC%A0%90-.pdf&hl=ko&embedded=true\" class=\"gde-frame\" style=\"width:100%; height:500px; border: none;\" scrolling=\"no\"><\/iframe>\n<p class=\"gde-text\"><a href=\"https:\/\/www.smallake.kr\/wp-content\/uploads\/2019\/07\/JPMorgan\uc758-JPM-Coin-\uac1c\ubc1c-\ubc0f-\uc2dc\uc0ac\uc810-.pdf\" class=\"gde-link\">Download (PDF, 523KB)<\/a><\/p>\n<p>\ubb3c\ub860 \uc911\uc559\uc740\ud589\uc758 \ubc18\ub300\ub54c\ubb38\uc5d0 \uc27d\uac8c \uc815\ucc29\ud560 \uc218 \uc788\uc744\uc9c0 \uc758\ubb38\uc785\ub2c8\ub2e4. \ud55c\uad6d\uc758 \uacbd\uc6b0 \uc678\ud658\ubc95\uc73c\ub85c \uac00\ub85c\ub9c9\uc744 \uac00\ub2a5\uc131 \ub610\ud55c \ub9ce\uc2b5\ub2c8\ub2e4. \uc544\ub2c8\uba74 \uc911\uc559\uc740\ud589\ub4e4\uc774 CBDC\ub85c \ub300\uc751\ud560 \uc218 \uc788\uc9c0\ub9cc \uc5ed\ub0b4\uc758 \uac04\ud3b8\uacb0\uc81c\ub97c \ub118\uc5b4\uc11c \uad6d\uac00\uac04 \uc2e4\uc2dc\uac04\uacb0\uc81c\ub97c \uc704\ud55c \ub2e4\ud23c\uc740 \uc774\ubbf8 \uc2dc\uc791\ud55c \uc0c1\ud0dc\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc774\uc678 \uc9c0\uae09\uacb0\uc81c\uc0ac\uc5c5\uc790\ub4e4\uc774 \uc218\uc775\uc758 \uadf9\ub300\ud654\ub97c \uc704\ud574 \ub2e4\uc591\ud55c \ubaa8\ub378\uc744 \uc2dc\ud589\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc5ec\uc2e0\uae08\uc735\ud611\ud68c\uac00 <a href=\"https:\/\/www.crefia.or.kr\/portal\/board\/board\/boardDataDetail.do\" rel=\"noopener\" target=\"_blank\">\uc5ec\uc2e0\uae08\uc735\ubcf4\uace0\uc11c<\/a>\uac00 \uc18c\uac1c\ud55c \ub17c\ubb38 \ub450\ud3b8\uc744 \ubcf4\uba74 \ud574\uc678\uc740\ud589\uc774\ub098 \uae08\uc735\ud68c\uc0ac(\uc9c0\uae09\uacb0\uc81c\uc0ac\uc5c5\uc790)\ub4e4\uc774 \uc0c8\ub86d\uac8c \ucd94\uc9c4\ud558\ub294 \ubaa8\ub378\uc744 \ud655\uc778\ud558\uc2e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788  \uc794\ub3c8\uae08\uc735\uc11c\ube44\uc2a4\ub294 Round-Up\uc11c\ube44\uc2a4\ub85c 2018\ub144\ub9d0\ubd80\ud130 \uac01\uad11\uc744 \ubc1b\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p><iframe src=\"\/\/docs.google.com\/viewer?url=https%3A%2F%2Fwww.smallake.kr%2Fwp-content%2Fuploads%2F2019%2F04%2FCFRI_INSIGHT_2019-4_%ED%95%B4%EC%99%B8_%EC%84%A0%EC%A7%84%EA%B8%88%EC%9C%B5%ED%9A%8C%EC%82%AC%EC%9D%98_%EC%88%98%EC%9D%B5%EB%AA%A8%EB%8D%B8_%EB%B6%84%EC%84%9D_%EB%B0%8F_%EC%8B%A0%EA%B7%9C_%EB%B9%84%EC%A6%88%EB%8B%88%EC%8A%A4%EB%AA%A8%EB%8D%B8_%EB%B0%9C%EA%B5%B420190709110246352.pdf&hl=ko&embedded=true\" class=\"gde-frame\" style=\"width:100%; height:500px; border: none;\" scrolling=\"no\"><\/iframe>\n<p class=\"gde-text\"><a href=\"https:\/\/www.smallake.kr\/wp-content\/uploads\/2019\/04\/CFRI_INSIGHT_2019-4_\ud574\uc678_\uc120\uc9c4\uae08\uc735\ud68c\uc0ac\uc758_\uc218\uc775\ubaa8\ub378_\ubd84\uc11d_\ubc0f_\uc2e0\uaddc_\ube44\uc988\ub2c8\uc2a4\ubaa8\ub378_\ubc1c\uad7420190709110246352.pdf\" class=\"gde-link\">Download (PDF, 800KB)<\/a><\/p><br \/>\n<iframe src=\"\/\/docs.google.com\/viewer?url=https%3A%2F%2Fwww.smallake.kr%2Fwp-content%2Fuploads%2F2019%2F04%2F%ED%95%B4%EC%99%B8%EC%97%AC%EC%8B%A0%EA%B8%88%EC%9C%B5%EB%8F%99%ED%96%A5_2019-12_%ED%95%B4%EC%99%B8_%EC%A3%BC%EC%9A%94_%EC%9E%94%EB%8F%88%EA%B8%88%EC%9C%B5_%EC%84%9C%EB%B9%84%EC%8A%A4%EC%9D%98_%ED%98%84%ED%99%A9%EA%B3%BC_%ED%8A%B9%EC%A7%9520190708165054589.pdf&hl=ko&embedded=true\" class=\"gde-frame\" style=\"width:100%; height:500px; border: none;\" scrolling=\"no\"><\/iframe>\n<p class=\"gde-text\"><a href=\"https:\/\/www.smallake.kr\/wp-content\/uploads\/2019\/04\/\ud574\uc678\uc5ec\uc2e0\uae08\uc735\ub3d9\ud5a5_2019-12_\ud574\uc678_\uc8fc\uc694_\uc794\ub3c8\uae08\uc735_\uc11c\ube44\uc2a4\uc758_\ud604\ud669\uacfc_\ud2b9\uc9d520190708165054589.pdf\" class=\"gde-link\">Download (PDF, 151KB)<\/a><\/p><\/p>\n<p>\ucc38\uace0\ub85c \ub370\uc774\ud0c0\uc0ac\uc774\uc5b8\uc2a4\uc5d0 \uad00\uc2ec\uc774 \uc788\ub294 \ubd84\uc774\uba74 WEF\uac00 \ubc1c\ud45c\ud55c <a href=\"https:\/\/www.weforum.org\/reports\/data-science-in-the-new-economy-a-new-race-for-talent-in-the-fourth-industrial-revolution\" rel=\"noopener\" target=\"_blank\">Data Science in the New Economy: A new race for talent in the Fourth Industrial Revolution<\/a>\uc744 \uc77d\uc5b4\ubcf4\uc2dc\uba74 \uc5b4\ub5a8\uae4c \ud569\ub2c8\ub2e4. <\/p>\n<iframe src=\"\/\/docs.google.com\/viewer?url=https%3A%2F%2Fwww.smallake.kr%2Fwp-content%2Fuploads%2F2019%2F07%2FWEF_Data_Science_In_the_New_Economy.pdf&hl=ko&embedded=true\" class=\"gde-frame\" style=\"width:100%; height:500px; border: none;\" scrolling=\"no\"><\/iframe>\n<p class=\"gde-text\"><a href=\"https:\/\/www.smallake.kr\/wp-content\/uploads\/2019\/07\/WEF_Data_Science_In_the_New_Economy.pdf\" class=\"gde-link\">Download (PDF, 1.64MB)<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>1. \uc740\ud589\uc5c6\ub294 \uc740\ud589. \ud540\ud14c\ud06c \ud639\uc740 \ube45\ud14c\ud06c\ub97c \ub17c\ud560 \ub54c, \uc740\ud589\uc758 \ubbf8\ub798\ub97c \ub17c\ud560 \ub54c \uc790\uc8fc \ub4f1\uc7a5\ud558\ub294 \ud45c\ud604\uc785\ub2c8\ub2e4. \uc5bc\ub9c8\uc804 \ud540\ud14c\ud06c\uc9c0\uc6d0\uc13c\ud130\uac00 \uc8fc\ucd5c\ud55c 2019 \ud540\ud14c\ud06c (\ub125\uc2a4\ud2b8) \ub9ac\ub354\uc2a4 \uc544\uce74\ub370\ubbf8 \ub54c \ube44\uc9c0\ub2c8\uc2a4\ubaa8\ub378\uc744 \uac15\uc758\ud558\uae30 \uc804\uae4c\uc9c0 \uadf8\ub0e5 \uc77d\uc5c8\uc2b5\ub2c8\ub2e4. \uad50\uc721\uc744 \uc900\ube44\ud558\uba74\uc11c \uc5ec\ub7ec\uac00\uc9c0 \uc790\ub8cc\ub97c \uc77d\uc73c\uba74\uc11c \ubb34\uc2a8 \ub9d0\uc778\uc9c0 \uc774\ud574\ub97c \ud558\uc600\uc2b5\ub2c8\ub2e4. \uc740\ud589\uc744 \ub5a0\uc62c\ub9ac\uba74 \uac00\uc7a5 \uae30\ubcf8\uc801\uc778 \uae30\ub2a5\uc740 \uc138\uac00\uc9c0\uc785\ub2c8\ub2e4. \uc800\ucd95(Savings), \ub300\ucd9c(Lendering), \uc9c0\uae09\uc1a1\uae08(Payment, Transfer)\uc785\ub2c8\ub2e4. \uc774\uc911 \uc800\ucd95\uc740 \uc0ac\uc2e4\uc0c1 \uc800\ucd95\uc73c\ub85c\uc11c\uc758 \uae30\ub2a5\uc744 \uc0c1\uc2e4\ud558\uc600\uc2b5\ub2c8\ub2e4. 70\ub144\ub300 \uc740\ud589\uae08\ub9ac\uac00 \uba87 \uc2ed%\uc77c \ub54c\ub3c4 \uc788\uc5c8\uc9c0\ub9cc&#8230;<br \/><a class=\"read-more-button\" href=\"https:\/\/smallake.kr\/?p=25645\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":27676,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"\uc740\ud589\uc544\ub2cc \uc740\ud589\ub4e4\uc774 \ube45\ud14c\ud06c, \ud540\ud14c\ud06c\uc0ac\uc5c5\uc790\ub4e4\uc774 \ub2e4\uc591\ud55c \ube44\uc9c0\ub2c8\uc2a4\ubaa8\ub378\ub85c \uc740\ud589\uc744 \uc704\ud611\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud55c\uad6d\ub3c4 \uae30\ud68c\uac00 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