{"id":297748,"date":"2022-04-08T15:51:54","date_gmt":"2022-04-08T07:51:54","guid":{"rendered":"https:\/\/law.asia\/?p=297748"},"modified":"2025-03-06T18:57:05","modified_gmt":"2025-03-06T10:57:05","slug":"comparison-digital-banking-regulations-philippines-kor","status":"publish","type":"post","link":"https:\/\/law.asia\/ko\/comparison-digital-banking-regulations-philippines-kor\/","title":{"rendered":"\uc544\uc2dc\uc544 3\uad6d \ub514\uc9c0\ud138 \ubc45\ud0b9 \uaddc\uc81c \ube44\uad50: \ud544\ub9ac\ud540"},"content":{"rendered":"<p id=\"navigation\" style=\"text-align: justify;\"><span class=\"vantage-grey\" style=\"color: #1f4258;\"><em><strong>\uc740\ud589 \ubd80\ubb38\uc758 \uae30\uc220\uc801 \ud601\uc2e0\uc774 \ud65c\ubc1c\ud558\uac8c \uc9c4\ud589\ub418\uace0 \uae30\uc874\uc758 \uc624\ud504\ub77c\uc778 \uc5c5\ubb34\uac00 \uac08\uc218\ub85d \ud1f4\uc0c9\ub418\uba74\uc11c \uaddc\uc81c \uae30\uad00\ub4e4 \ub610\ud55c \uc774\ub7ec\ud55c \ucd94\uc138\uc5d0 \ubc1c\ub9de\ucdb0 \uc0c8\ub85c\uc6b4 \uae30\uc900 \ub9c8\ub828\uc744 \uc11c\ub450\ub974\uace0 \uc788\ub2e4.<\/strong><\/em><\/span><\/p>\n<table style=\"margin-top: 0px; width: 100%; overflow: hidden;\">\n<tbody>\n<tr style=\"display: flex; flex-wrap: wrap;\">\n<td style=\"width: 25%; border-right: 2px solid #ffffff; text-align: center; display: flex; align-items: center; justify-content: center; flex: 1; background: #f84619; border-top: 2px solid #fff; border-radius: 10px; box-shadow: 0px 4px 6px rgba(0, 0, 0, 0.1);\" valign=\"middle\">\n<p style=\"margin: 0; padding: 10px 0;\"><span style=\"color: #70290d;\"><a style=\"color: #70290d;\" href=\"https:\/\/law.asia\/ko\/comparison-digital-banking-regulations-kor\/\"><span style=\"font-size: clamp(0.9rem, 2.5vw, 1.125rem);\"><b>\uc8fc\uc694<\/b><\/span><\/a><\/span><\/p>\n<\/td>\n<td style=\"width: 25%; border-right: 2px solid #ffffff; text-align: center; display: flex; align-items: center; justify-content: center; flex: 1; background: #f84619; border-top: 2px solid #fff; border-radius: 10px; box-shadow: 0px 4px 6px rgba(0, 0, 0, 0.1);\" valign=\"middle\">\n<p style=\"margin: 0; padding: 10px 0;\"><a href=\"https:\/\/law.asia\/ko\/comparison-digital-banking-regulations-india-kor\/\"><span style=\"color: #67a3a3; font-size: clamp(.9rem, 2.5vw, 1.125rem);\"><span style=\"color: #ffffff;\"><b>\uc778\ub3c4<\/b><\/span><\/span><\/a><\/p>\n<\/td>\n<td style=\"width: 25%; border-right: 2px solid #ffffff; text-align: center; display: flex; align-items: center; justify-content: center; flex: 1; background: #f84619; border-top: 2px solid #fff; border-radius: 10px; box-shadow: 0px 4px 6px rgba(0, 0, 0, 0.1);\" valign=\"middle\">\n<p style=\"margin: 0; padding: 10px 0;\"><a href=\"https:\/\/law.asia\/ko\/comparison-digital-banking-regulations-thailand-kor\/\"><span style=\"color: #ffffff; font-size: clamp(.9rem, 2.5vw, 1.125rem);\"><b>\ud0dc\uad6d<\/b><\/span><\/a><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\ud544\ub9ac\ud540\uc758 \ub514\uc9c0\ud138 \ubc45\ud0b9\uc740 2020\ub144 \ud544\ub9ac\ud540\uc911\uc559\uc740\ud589(BSP) \ud68c\ub78c \uc81c1105\ud638(\ub514\uc9c0\ud138 \ubc45\ud06c \uc124\ub9bd\uc5d0 \uad00\ud55c \uac00\uc774\ub4dc\ub77c\uc778)\uc774 \ubc1c\ud45c\ub418\uba74\uc11c \uae0d\uc815\uc801\uc778 \uc804\ud658\uc810\uc744 \ub9de\uc774\ud558\uace0 \uc788\ub2e4. \uc774 \ud68c\ub78c\uc5d0\uc11c BSP\ub294 \ub514\uc9c0\ud138 \ud50c\ub7ab\ud3fc\uc744 \ud1b5\ud574 \uc740\ud589 \uc0c1\ud488\uacfc \uc11c\ube44\uc2a4\ub97c \uc6b4\uc6a9\ud558\uace0 \ud655\ub300\ud560 \uc218 \uc788\ub3c4\ub85d \ub514\uc9c0\ud138 \ubc45\ud0b9 \uae08\uc735\uae30\uad00\uc758 \uc2e4\uccb4\ub97c \uc778\uc815\ud588\ub2e4.<\/p>\n<p>\ub514\uc9c0\ud138 \ubc45\ud06c\uc5d0 \ub300\ud55c \uc5c4\ubc00\ud55c \uc815\uc758\ub294 \ucc28\uce58\ud558\ub354\ub77c\ub3c4, \ud544\ub9ac\ud540 \uc740\ud589\ub4e4\uc774 \uc790\uad6d \uc2dc\uc7a5\uc5d0\uc11c \uac1c\ubc1c\ud558\uace0 \ud310\ub9e4\ud560 \uc218 \uc788\ub294 \uc778\ud130\ub137 \uc0c1\ud488\uacfc \uc11c\ube44\uc2a4\ub294 \uadf8 \uc720\ud615\uc774 \ub2e4\uc591\ud558\ub2e4.<\/p>\n<h2 style=\"margin-bottom: 10px;\"><span style=\"color: #f84619;\"><strong>\uc11c\ube44\uc2a4 \ubc0f \uad00\ub828 \uc5c5\ubb34<\/strong><\/span><\/h2>\n<p>\uc81c1105 \ud68c\ub78c\uc774 \ubc1c\ud45c\ub418\uae30 \uc804\uc5d0, \ud544\ub9ac\ud540\uc758 \ub514\uc9c0\ud138 \ubc45\ud0b9\uc740 BSP\uc758 \ud5c8\uac00\ub97c \ubc1b\uc740 \uae30\uc874 \uc740\ud589\ub4e4\uc758 \uc778\ud130\ub137 \uc740\ud589 \uc11c\ube44\uc2a4 \ubc0f \uad00\ub828 \uc5c5\ubb34\ub97c \ud1b5\ud574 \ucc98\uc74c \uc18c\uac1c\ub418\uc5c8\uace0, \uc5ec\uae30\uc5d0 \uc801\uc6a9\ub418\ub294 \uaddc\uc815\uc740 BSP\uc758 \uc740\ud589\uaddc\uc815\ub9e4\ub274\uc5bc(MORB)\uc5d0 \uba85\uc2dc\ub418\uc5b4 \uc788\ub2e4.<\/p>\n<p>MORB\uc5d0 \uc758\uac70\ud558\uc5ec, \uae30\uc874\uc758 \uc804\uc790\ubc29\uc2dd \uc740\ud589 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\uac70\ub098 \uc774\ub97c \ubcf4\uac15\ud560 \uacc4\ud68d\uc774 \uc788\ub294 \uc740\ud589\ub4e4\uc740 \uad00\ub828 \uc11c\ube44\uc2a4\uc758 \uad6c\uccb4\uc801\uc778 \ub0b4\uc6a9\uacfc \uc774\uac83\uc774 \uc740\ud589\uc758 \uc804\ubc18\uc801\uc778 \uc601\uc5c5 \uc804\ub7b5\uacfc \uc5b4\ub5bb\uac8c \ubd80\ud569\ub418\ub294\uc9c0 \uc0c1\uc138\ud558\uac8c \uae30\uc220\ud55c \uc2e0\uccad\uc11c\ub97c BSP\uc5d0 \uc81c\ucd9c\ud574\uc57c \ud55c\ub2e4. \ub610\ud55c BSP\uc5d0\uc11c \uc81c\uc2dc\ud558\uace0 \uc788\ub294 \ucd5c\uc18c\ud55c\uc758 \uc870\uac74\uc744 \uc900\uc218\ud558\uc600\ub2e4\ub294 \ud655\uc778\uc11c\ub97c \uc740\ud589\uc7a5 \ub610\ub294 \uc774\uc5d0 \uc0c1\ub2f9\ud558\ub294 \uace0\uc704 \uc784\uc6d0\uc774 \uc11c\uba85\ud558\uc5ec \ud568\uaed8 \uc81c\ucd9c\ud574\uc57c \ud558\ub294\ub370, \uadf8 \ub0b4\uc6a9\uc740 \ub2e4\uc74c\uacfc \uac19\ub2e4.<\/p>\n<ul>\n<li>\u00a0\uc778\ud130\ub137 \uc740\ud589 \uc5c5\ubb34\uc5d0\uc11c \ubc1c\uc0dd\ud560 \uc218 \uc788\ub294 \ub9ac\uc2a4\ud06c\ub97c \ud3c9\uac00, \ud1b5\uc81c \ubc0f \ubaa8\ub2c8\ud130\ub9c1\ud558\uace0 \uc774\uc5d0 \ub300\uc751\ud560 \uc218 \uc788\ub294 \ucda9\ubd84\ud55c \ub9ac\uc2a4\ud06c \uad00\ub9ac \uc808\ucc28\uac00 \uc788\uc5b4\uc57c \ud55c\ub2e4.<\/li>\n<li>\u00a0\uc778\ud130\ub137 \uc740\ud589 \uc2dc\uc2a4\ud15c\uc5d0 \uc601\ud5a5\uc744 \uc8fc\ub294 \ubaa8\ub4e0 \ubcf4\uc548 \ubb38\uc81c\ub97c \ub2e4\ub8e8\ub294 \uae30\uc5c5\ubcf4\uc548 \uc815\ucc45 \ubc0f \uc808\ucc28\uc5d0 \uad00\ud55c \ub9e4\ub274\uc5bc\uc744 \uac16\ucdb0\uc57c \ud55c\ub2e4.<\/li>\n<li>\u00a0\uc2e4\ud589 \uc804\uc5d0 \ud574\ub2f9 \uc2dc\uc2a4\ud15c\uc744 \ud655\uc778\ud558\uace0, \ud655\uc778 \uacb0\uacfc\uc5d0 \uc544\ubb34\ub7f0 \ubb38\uc81c\uac00 \uc5c6\uc5b4\uc57c \ud55c\ub2e4. \uc774\ub7ec\ud55c \uacfc\uc815\uc5d0\ub294 \ucd5c\uc18c\ud55c\uc758 \uae30\uc900, \uc801\uc808\ud55c \uc2dc\uc2a4\ud15c \ud655\uc778 \uc791\uc5c5 \ubc0f \uc0ac\uc6a9\uc790 \ubd88\ud3b8\uc0ac\ud56d \ud655\uc778 \uc791\uc5c5\uc774 \uc218\ubc18\ub418\uc5b4\uc57c \ud55c\ub2e4.<\/li>\n<li>\u00a0\uc0ac\uc5c5\uc758 \uc5f0\uc18d\uc131\uc5d0 \uad00\ud55c \uacc4\ud68d \uc218\ub9bd \uc808\ucc28\uc640 \ub9e4\ub274\uc5bc\uc774 \uc788\uc5b4\uc57c \ud558\uace0, \uc5ec\uae30\uc5d0\ub294 \uc778\ud130\ub137 \uc740\ud589 \ucc44\ub110\uacfc \uc2dc\uc2a4\ud15c\uc5d0 \uad00\ud55c \uc870\ud56d\uc774 \ud3ec\ud568\ub41c\ub2e4.<\/li>\n<\/ul>\n<figure id=\"attachment_297544\" aria-describedby=\"caption-attachment-297544\" style=\"width: 200px\" class=\"wp-caption alignright\"><img class=\"wp-image-297547\" src=\"https:\/\/law.asia\/wp-content\/uploads\/2022\/04\/Mark-S-Gorriceta.jpg\" alt=\"\" width=\"200\" height=\"250\" srcset=\"https:\/\/law.asia\/wp-content\/uploads\/2022\/04\/Mark-S-Gorriceta.jpg 400w, https:\/\/law.asia\/wp-content\/uploads\/2022\/04\/Mark-S-Gorriceta-240x300.jpg 240w, https:\/\/law.asia\/wp-content\/uploads\/2022\/04\/Mark-S-Gorriceta-336x420.jpg 336w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/><figcaption id=\"caption-attachment-297544\" class=\"wp-caption-text\"><strong>Mark S Gorriceta<\/strong><br \/>\ub300\ud45c \ud30c\ud2b8\ub108 <br \/>Gorriceta Africa Cauton &amp; Saavedra<br \/>\uc804\ud654: +632 8696 0687<br \/>\uc774\uba54\uc77c: msgorriceta@gorricetalaw.com<\/figcaption><\/figure>\n<p>\uc778\ud130\ub137 \uc740\ud589 \uc11c\ube44\uc2a4 \ubc0f \uad00\ub828 \uc5c5\ubb34\ub97c \ub3c4\uc785\ud558\uace0\uc790 \ud558\ub294 \uae30\uc874 \uc740\ud589\ub4e4\uc740 BSP\uc758 \uc2e4\ubb34 \uadf8\ub8f9\uc5d0\uc11c \uc2e4\uc2dc\ud558\ub294 \uc0ac\uc804 \uc120\uc815 \uc791\uc5c5\uc744 \uac70\uccd0\uc57c \ud55c\ub2e4. \uc774\ub4e4\uc740 \uac00\uc7a5 \ucd5c\uadfc\uc758 \uc740\ud589 \uc2e4\uc801 \ubc0f \uac10\uc0ac \ubcf4\uace0\uc11c\uc5d0 \uae30\ubc18\ud558\uc5ec \uc2e0\uccad \uc740\ud589\uc758 \uc804\ubc18\uc801\uc778 \uc7ac\ubb34 \uc0c1\ud0dc\uc640 BSP \uaddc\uce59 \ubc0f \uaddc\uc815\uc758 \uc900\uc218 \uc5ec\ubd80\ub97c \ud655\uc778\ud558\ub294\ub370, \uc5ec\uae30\uc5d0\ub294 \uc2e0\uccad \uc740\ud589\uc758 \uc790\ubcf8 \uc801\uc815\uc131, \uc790\uc0b0\uc758 \ub0b4\uc6a9, \uacbd\uc601, \uc218\uc775 \ubc0f \uc720\ub3d9\uc131 \ub4f1\uae09 \ub4f1\uc774 \ud3ec\ud568\ub41c\ub2e4.<\/p>\n<p>BSP\uac00 \uc2e0\uccad \uc740\ud589\uc758 \uc804\ubc18\uc801\uc778 \uc7ac\ubb34 \uc0c1\ud0dc\ub97c \ud3c9\uac00\ud558\ub294 \uc774\uc720\ub294 \ud574\ub2f9 \uc740\ud589\uc774 \uc778\ud130\ub137 \ubc45\ud0b9 \uc5c5\ubb34\ub97c \uc801\uc808\ud558\uac8c \uc218\ud589\ud558\uace0 \uad00\ub828 \uc694\uac74\uc744 \uc81c\ub300\ub85c \uc900\uc218\ud558\uace0 \uc788\ub294\uc9c0 \ud655\uc778\ud558\uae30 \uc704\ud568\uc774\ub2e4.<\/p>\n<p>\uc2e4\ubb34 \uadf8\ub8f9\uc774 \ucd94\ucc9c\ud558\uace0 BSP \uad00\ub828 \ubd80\uc11c\uc5d0\uc11c \uc77c\ub828\uc758 \ud655\uc778 \uacfc\uc815\uc774 \ub9c8\ubb34\ub9ac\ub418\uba74 BSP\ub294 \uc989\uac01\uc801\uc778 \uc778\ud130\ub137 \uc5c5\ubb34 \uac1c\uc2dc \ubc0f\/\ub610\ub294 \ubcf4\uac15 \uc2e0\uccad\uc744 \uc2b9\uc778\ud558\uace0, \ud574\ub2f9 \uc740\ud589\uc740 \ud2b9\uc815\uc758 \uc2b9\uc778 \uc870\uac74\uc744 \uc900\uc218\ud558\uba74\uc11c \uc11c\ube44\uc2a4 \uac1c\uc2dc \ud6c4 BSP\uac00 \uc694\uad6c\ud558\ub294 \ucd94\uac00\uc801\uc778 \ubb38\uc11c\ub97c \uc81c\uacf5\ud558\uac70\ub098 \uc778\ud130\ub137 \ubc45\ud0b9 \uc11c\ube44\uc2a4 \ubc0f \uc5c5\ubb34\ub97c \ud655\ub300\ud574\uc57c \ud55c\ub2e4.<\/p>\n<h2 style=\"margin-bottom: 10px;\"><span style=\"color: #f84619;\"><strong>\uc804\uc790\ud654\ud3d0 \ubc1c\ud589\uc0ac\uc5c5\uc790(EMI)<\/strong><\/span><\/h2>\n<p>\uc740\ud589\uc5d0\uc11c \ucde8\uae09\ud560 \uc218 \uc788\ub294 \ub514\uc9c0\ud138 \ubc45\ud0b9 \uc0c1\ud488\uc774\ub098 \uc11c\ube44\uc2a4\uc5d0\ub294 \uc804\uc790\ud654\ud3d0 \ubc1c\ud589\uc0ac\uc5c5\uc790(EMI)\ub85c\uc11c \uc804\uc790\ud654\ud3d0\ub97c \ubc1c\ud589\ud558\uace0 \uc6b4\uc6a9\ud558\ub294 \uc5c5\ubb34\ub3c4 \uc788\ub2e4.<\/p>\n<figure id=\"attachment_297552\" aria-describedby=\"caption-attachment-297552\" style=\"width: 200px\" class=\"wp-caption alignright\"><img class=\"wp-image-297555\" title=\"A comparison of digital banking regulations Micaela Kristina V Galvez\" src=\"https:\/\/law.asia\/wp-content\/uploads\/2022\/04\/Micaela-Kristina-V-Galvez.jpg\" alt=\"A comparison of digital banking regulations Micaela Kristina V Galvez\" width=\"200\" height=\"250\" srcset=\"https:\/\/law.asia\/wp-content\/uploads\/2022\/04\/Micaela-Kristina-V-Galvez.jpg 400w, https:\/\/law.asia\/wp-content\/uploads\/2022\/04\/Micaela-Kristina-V-Galvez-240x300.jpg 240w, https:\/\/law.asia\/wp-content\/uploads\/2022\/04\/Micaela-Kristina-V-Galvez-336x420.jpg 336w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/><figcaption id=\"caption-attachment-297552\" class=\"wp-caption-text\"><strong>Micaela Kristina V Galvez<\/strong><br \/>\uc2e0\uc785 \ud30c\ud2b8\ub108<br \/>Gorriceta Africa Cauton &amp; Saavedra<\/figcaption><\/figure>\n<p>2009\ub144 BSP \ud68c\ub78c \uc81c649\ud638\uc5d0 \uc815\uc758\ub41c \ubc14 \ub300\ub85c, \uc804\uc790\ud654\ud3d0\ub780 (1) \ud2b9\uc815\uc758 \ub3c4\uad6c\ub098 \uae30\uae30\uc5d0 \uc804\uc790\ubc29\uc2dd\uc73c\ub85c \uc800\uc7a5\ub418\uc5b4 \uc788\uac70\ub098, (2) \ubc1c\ud589\ub41c \uae08\uc804\uc801 \uac00\uce58\uc5d0 \uc0c1\ub2f9\ud558\ub294 \uae08\uc561\uc744 \uc218\ucde8\ud560 \ub54c \ubc1c\ud589\ud558\uac70\ub098, (3) EMI \uc774\uc678\uc758 \uac1c\uc778\uc774\ub098 \uae30\uc5c5\uc774 \uacb0\uc81c \uc218\ub2e8\uc73c\ub85c \uc778\uc815\ud558\uac70\ub098, (4) \ud604\uae08 \ub610\ub294 \uc774\uc5d0 \uc0c1\ub2f9\ud558\ub294 \uc790\uc0b0\uc73c\ub85c \uc778\ucd9c\ud560 \uc218 \uc788\uac70\ub098 \ub610\ub294 (5) BSP \ud68c\ub78c \uc81c649\ud638\uc758 \uae30\ud0c0 \uac00\uc774\ub4dc\ub77c\uc778\uc5d0 \ub530\ub77c \ubc1c\ud589\ub41c \uac83\uc73c\ub85c EMI\uc5d0\uac8c \uccad\uad6c\ud558\ub294 \ubc29\uc2dd\uc73c\ub85c \uae08\uc804\uc801 \uac00\uce58\uac00 \ud45c\uc2dc\ub418\ub294 \ud654\ud3d0\ub97c \uc758\ubbf8\ud55c\ub2e4.<\/p>\n<p>EMI\uc758 \ud615\ud0dc\ub294 EMI \uc740\ud589, \ube44(\u975e)\uc740\ud589 \uae08\uc735\uae30\uad00 \ub610\ub294 \uc790\uae08\uc774\uccb4 \uae30\uad00\uc73c\ub85c \ub4f1\ub85d\ub41c \ube44(\u975e)\uc740\ud589 \uae30\uad00\uc774 \ub420 \uc218 \uc788\ub2e4. \ud55c \uac00\uc9c0 \uc8fc\ubaa9\ud560 \ubd80\ubd84\uc740 \uc740\ud589\uc5d0\uc11c \ubc1c\ud589\ud55c \uc804\uc790\ud654\ud3d0\ub294 \uc561\uba74\uac00\ub85c\ub9cc \uc0c1\ud658\ub420 \uc218 \uc788\uae30 \ub54c\ubb38\uc5d0 \uc774\ub97c \uc608\uae08\uc73c\ub85c \uac04\uc8fc\ud558\uc9c0 \uc54a\ub294\ub2e4\ub294 \uac83\uc778\ub370, \uc804\uc790\ud654\ud3d0\uc5d0\ub294 \uc774\uc790, \ubcf4\uc0c1\uae08 \ubc0f \uae30\ud0c0 \uc774\uc640 \uc720\uc0ac\ud55c \uc778\uc13c\ud2f0\ube0c\uac00 \uc801\uc6a9\ub418\uc9c0 \uc54a\ub294\ub2e4.<\/p>\n<p>\ud604\uc7ac BSP\ub294 EMI \uaddc\uc815\uc758 \uac1c\uc815 \ucd08\uc548\uc744 \ubc1c\ud45c\ud55c \ud6c4 \uc5ec\ub860\uc758 \ucd94\uc774\ub97c \uc0b4\ud3b4\ubcf4\uace0 \uc788\uc9c0\ub9cc, \uc774\uc5d0 \ub530\ub974\uba74 \uc740\ud589\ub4e4\uc740 \uc804\uc790 \uacb0\uc81c \ubc0f \uae08\uc735 \uc11c\ube44\uc2a4(EPFS)\uc5d0 \ud574\ub2f9\ud558\ub294 A\ud615 \ud5c8\uac00\uc5d0 \uc758\uac70\ud558\uc5ec BSP\uc758 \uc0ac\uc804 \uc2b9\uc778\uc744 \ubc1b\uace0 MORB\uc5d0 \uba85\uc2dc\ub41c \uc138\ubd80 \uae30\uc900\uc744 \uc900\uc218\ud558\uba74 \uc804\uc790\ud654\ud3d0 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud560 \uc218 \uc788\ub2e4.<\/p>\n<p>\uc774 \uac1c\uc815\uc548\uc740 EMI \uc740\ud589\uc744 \ub300\ud615\uacfc \uc18c\ud615\uc73c\ub85c \uad6c\ubd84\ud558\uace0 \uc788\uace0, \ub300\ud615 EMI \uc740\ud589\uc740 12\uac1c\uc6d4 \ub3d9\uc548\uc758 \uc785\ucd9c\uae08 \uac70\ub798 \uaddc\ubaa8\uac00 250\uc5b5 \ud398\uc18c(4\uc5b5 7,800\ub9cc \ub2ec\ub7ec) \uc774\uc0c1\uc774 \ub418\uc5b4\uc57c \ud55c\ub2e4. \uadf8 \uc774\ud558\uc778 \uacbd\uc6b0\uc5d0\ub294 \uc18c\ud615 EMI \uc740\ud589\uc73c\ub85c \uac04\uc8fc\ud55c\ub2e4.<\/p>\n<p>MORB\uac00 \uc790\ubcf8\uae08 \uc694\uac74\uc744 \ub192\uac8c \ucc45\uc815\ud558\uc9c0 \uc54a\ub294 \ud55c, \ub300\ud615 EMI \uc740\ud589\uc740 \ucd5c\uc18c 2\uc5b5 \ud398\uc18c\uc758 \uc790\ubcf8\uae08\uc774 \ud544\uc694\ud558\uace0 \uc18c\ud615 EMI \uc740\ud589\uc740 \ucd5c\uc18c 1\uc5b5 \ud398\uc18c\uc758 \uc790\ubcf8\uae08\uc774 \ud544\uc694\ud558\uc9c0\ub9cc \uc774\ub294 \uc740\ud589\uc758 \uc5c5\ubb34 \uc720\ud615(\uc608: \uc720\ub2c8\ubc84\uc124 \ubc45\ud06c, \uc0c1\uc5c5\uc740\ud589, \ub514\uc9c0\ud138 \ubc45\ud06c, \uc800\ucd95\uc740\ud589 \ub610\ub294 \uc9c0\ubc29\uc740\ud589)\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\ub2e4.<\/p>\n<p>\uc77c\ubc18 \uace0\uac1d\ub4e4\uc774 \uae30\uc874 \uc740\ud589\uc5d0\uc11c \uc804\uc790\ud654\ud3d0 \uc11c\ube44\uc2a4\ub97c \ucd5c\ub300\ud55c \uc774\uc6a9\ud560 \uc218 \uc788\ub3c4\ub85d BSP\ub294 \ube44\uc740\ud589 EMI\ub97c \ud5c8\uac00\ud558\ub294 \uacbd\uc6b0\uc5d0 2\ub144 \ub3d9\uc548 \ucc44\ubb34 \uc0c1\ud658\uc744 \uc5f0\uae30\ud574 \uc8fc\uc5c8\ub2e4.<\/p>\n<h2 style=\"margin-bottom: 10px;\"><span style=\"color: #f84619;\"><strong>\ub514\uc9c0\ud138 \ubc45\ud06c<\/strong><\/span><\/h2>\n<p>\ucf54\ub85c\ub09819\uac00 \uc77c\uc0c1\ud654\ub418\uc5b4 \ubc84\ub9ac\uace0 \uc778\ud130\ub137\uc744 \ud1b5\ud55c \uc740\ud589 \uac70\ub798\uc758 \uc218\uc694\uac00 \ud3ed\ubc1c\uc801\uc73c\ub85c \ub298\uc5b4\ub098\uba74\uc11c, BSP\uac00 \ubc1c\ud45c\ud55c \ub514\uc9c0\ud138 \uc740\ud589 \uc124\ub9bd\uc5d0 \uad00\ud55c \uac00\uc774\ub4dc\ub77c\uc778\uc740 \ub514\uc9c0\ud138 \ubc45\ud06c\uc5d0 \ub300\ud55c \uc778\uc2dd\uacfc \uc774\ud574\uac00 \ub2ec\ub77c\uc9c0\ub294 \uacc4\uae30\uac00 \ub418\uc5c8\ub2e4. \ub514\uc9c0\ud138 \ubc45\ud06c(Digital Bank)\ub780 \ubb3c\ub9ac\uc801 \ud615\ud0dc\uc758 \uc9c0\uc810(\u652f\u5e97)\uc774\ub098 \ucd9c\uc7a5\uc18c \ub610\ub294 \uae08\uc735 \uc0c1\ud488\uacfc \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\ub294 \uc9c0\uc810 \ud615\ud0dc\uc758 \ub2e8\uc704\ub97c \uc774\uc6a9\ud558\uc9c0 \uc54a\uace0 \ub514\uc9c0\ud138 \ud50c\ub7ab\ud3fc \ubc0f\/\ub610\ub294 \uc778\ud130\ub137\uc744 \ud1b5\ud574 \uae08\uc735 \uc0c1\ud488\uacfc \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\ub294 \uc740\ud589\uc744 \ub9d0\ud55c\ub2e4.<\/p>\n<figure id=\"attachment_297556\" aria-describedby=\"caption-attachment-297556\" style=\"width: 200px\" class=\"wp-caption alignright\"><img class=\"wp-image-297559\" title=\"A comparison of digital banking regulations Liane Stella R Candelario\" src=\"https:\/\/law.asia\/wp-content\/uploads\/2022\/04\/Liane-Stella-R-Candelario-240x300.jpg\" alt=\"A comparison of digital banking regulations Liane Stella R Candelario\" width=\"200\" height=\"250\" srcset=\"https:\/\/law.asia\/wp-content\/uploads\/2022\/04\/Liane-Stella-R-Candelario-240x300.jpg 240w, https:\/\/law.asia\/wp-content\/uploads\/2022\/04\/Liane-Stella-R-Candelario-336x420.jpg 336w, https:\/\/law.asia\/wp-content\/uploads\/2022\/04\/Liane-Stella-R-Candelario.jpg 400w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/><figcaption id=\"caption-attachment-297556\" class=\"wp-caption-text\"><strong>Liane Stella R Candelario<\/strong><br \/>\uc18c\uc18d \ubcc0\ud638\uc0ac<br \/>Gorriceta Africa Cauton &amp; Saavedra<\/figcaption><\/figure>\n<p>\uc81c1105\ud638 \ud68c\ub78c\uc744 \ubc1c\ud45c\ud558\uae30 \uc804\uc5d0\ub294 \ub9ce\uc740 \uc740\ud589\ub4e4\uc774 \ub9c8\ucf00\ud305 \uce21\uba74\uc5d0\uc11c \uc790\uc2e0\ub4e4\uc744 \ub514\uc9c0\ud138 \ubc45\ud06c\ub77c \uc18c\uac1c\ud558\uae30\ub3c4 \ud588\uc9c0\ub9cc, \uc774\ubc88 \ud68c\ub78c\uc744 \ud1b5\ud574 \ub514\uc9c0\ud138 \ubc45\ud06c\uc5d0 \ud544\uc694\ud55c \uc815\uc2dd \ud5c8\uac00\ub97c \ubc1b\uc740 \uc740\ud589\ub9cc \uc5ec\uae30\uc5d0 \ud574\ub2f9\ud558\ub294 \uac83\uc73c\ub85c \uc815\ub9ac\ub418\uc5c8\ub2e4.<\/p>\n<p>\ub514\uc9c0\ud138 \ubc45\ud06c\uc758 \ucd5c\uc18c \uc790\ubcf8\uae08\uc740 10\uc5b5 \ud398\uc18c\uc774\uace0, \ud5c8\uac00\ub97c \ubc1b\uc740 \ud6c4\uc5d0\ub294 \ub2e4\uc74c\uacfc \uac19\uc740 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud560 \uc218 \uc788\ub2e4. (1) \ub2f4\ubcf4 \uc124\uc815\/\ubbf8(\u672a)\uc124\uc815 \ud6c4 \ub300\ucd9c\ud558\uac70\ub098, (2) \uc800\ucd95\/\uc815\uae30 \uc608\uae08\uc744 \ucde8\uae09\ud558\uac70\ub098(\uae30\ubcf8\uc801\uc778 \uc608\uae08 \uacc4\uc88c \ud3ec\ud568), (3) \uc678\ud654 \uc608\uae08\uc744 \ucde8\uae09\ud558\uac70\ub098, (4) \uc2dc\uc7a5\uc5d0\uc11c \uc27d\uac8c \ub9e4\ub9e4\ud560 \uc218 \uc788\ub294 \ucc44\uad8c \ubc0f \uae30\ud0c0 \ubd80\ucc44\uc99d\uad8c, \uae30\uc5c5\uc5b4\uc74c \ubc0f \ub9e4\ucd9c\ucc44\uad8c, \uc5b4\uc74c, \ud658\uc5b4\uc74c, \uc0c1\uc5c5 \uac70\ub798\uc5d0\uc11c \ubc1c\uc0dd\ud558\ub294 \uc778\uc218\uc99d \ub610\ub294 \uc99d\uc11c\uc5d0 \ud22c\uc790\ud558\uac70\ub098, (5) \ub2e4\ub978 \uae08\uc735\uae30\uad00\uc744 \uc704\ud574 \ud1b5\uc9c0\uc740\ud589 \uc5ed\ud560\uc744 \uc218\ud589\ud558\uac70\ub098, (6) \ube44\uc815\ubd80\ub2e8\uccb4(NGO)\uc758 \ucd94\uc2ec\uae30\uad00 \uc5ed\ud560\uc744 \uc218\ud589\ud558\uac70\ub098, (7) \uc804\uc790\ud654\ud3d0 \uc0c1\ud488\uc744 \ubc1c\ud589\ud558\uac70\ub098, (8) \uc2e0\uc6a9\uce74\ub4dc\ub97c \ubc1c\uae09\ud558\uac70\ub098, (9) \uc678\ud658\uc744 \ub9e4\uc785\/\ub9e4\uac01\ud558\uac70\ub098, (10) \uc18c\uc561 \ubcf4\ud5d8\uc0c1\ud488\uc744 \uc18c\uac1c, \ud310\ucd09, \ud310\ub9e4 \ub610\ub294 \uc6b4\uc601\ud558\uac70\ub098, (11) BSP \ud654\ud3d0\uc704\uc6d0\uc5d0\uc11c \uc2b9\uc778\ud558\ub294 \uae30\ud0c0\uc758 \ud65c\ub3d9\uc744 \uc218\ud589\ud55c\ub2e4.<\/p>\n<p>\ub514\uc9c0\ud138 \ubc45\ud06c \ud5c8\uac00 \uc2e0\uccad\uc740 BSP\uc5d0\uc11c \ub2e4\uc74c\uacfc \uac19\uc740 \uc911\uc694\ud55c 3\ub2e8\uacc4 \uc989, (1) \uc2e0\uaddc \uc740\ud589 \uc124\ub9bd\uc5d0 \ud544\uc694\ud55c \uc2b9\uc778 \uc2e0\uccad, (2) \ud544\ub9ac\ud540\uc99d\uad8c\uac70\ub798\uc704\uc6d0\ud68c \ub4f1\ub85d\uc5d0 \ud544\uc694\ud55c \uad8c\ud55c\uc99d\uba85\uc11c(COA) \uc2e0\uccad \ubc0f (3) \ub514\uc9c0\ud138 \ubc45\ud06c \uc6b4\uc601\uc5d0 \ud544\uc694\ud55c COA \ubc1c\uae09 \uc2e0\uccad\uc758 3\ub2e8\uacc4\ub97c \uac70\uce5c\ub2e4.<\/p>\n<p>\ub9ce\uc740 \uc5c5\uccb4\ub4e4\uc778 \ub208\ub3c5\uc744 \ub4e4\uc774\uace0 \uc788\ub294 \ub514\uc9c0\ud138 \ubc45\ud06c\ub294 6\uac1c \uc5c5\uccb4(\ucd5c\uc18c\ud55c 1\ub2e8\uacc4\ub97c \ud1b5\uacfc\ud55c \uc5c5\uccb4)\uc5d0\uac8c \ud5c8\uac00\ub418\uc5c8\uace0, BSP\ub294 \uc774\ub4e4\uc5d0 \ub300\ud574 \ucc44\ubb34 \uc0c1\ud658\uc744 \uc5f0\uae30\ud574\uc8fc\uc5c8\ub2e4.<\/p>\n<h2 style=\"margin-bottom: 10px;\"><span style=\"color: #f84619;\"><strong>\uc804\uc790 \uacb0\uc81c \ubc0f \uae08\uc735 \uc11c\ube44\uc2a4(EPFS) \ud5c8\uac00<\/strong><\/span><\/h2>\n<p>BSP\uc758 2019\ub144 \ud68c\ub78c \uc81c1033\ud638\uc5d0 \uc758\uac70\ud558\uc5ec, EPFS \ud5c8\uac00\ub294 BSP\uc758 \uac10\ub3c5\uc744 \ubc1b\uc73c\uba74\uc11c \uc804\uc790 \uacb0\uc81c \ubc0f \uae08\uc735 \uc11c\ube44\uc2a4 \uc81c\uacf5\uc744 \ubaa8\uc0c9\ud558\ub294 \ubaa8\ub4e0 \uae08\uc735\uae30\uad00\uc5d0 \uc801\uc6a9\ub41c\ub2e4. \uc774\ub7ec\ud55c \uc5c5\ubb34\ub294 EMI\uc640 \ub514\uc9c0\ud138 \ubc45\ud0b9\uc758 \uadfc\uac04\uc774 \ub418\ub294 \uac83\uc73c\ub85c EMI \ubc0f \ub514\uc9c0\ud138 \ubc45\ud06c \uc2e0\uccad \uacfc\uc815\uc5d0\uc11c \uad00\ub828 \uc694\uac74\uc5d0 \ub300\ud55c \uac80\ud1a0\uac00 \uc774\ub8e8\uc5b4\uc9c4\ub2e4. \ud55c \uac00\uc9c0 \uc8fc\ubaa9\ud560 \ubd80\ubd84\uc740, EPFS \ud5c8\uac00\ub97c \ubc1b\uc740 \uae30\uc5c5\uc758 IT \uc778\ud504\ub77c\uac00 (\uc0c8\ub85c\uc6b4 \uc11c\ube44\uc2a4 \uc81c\uacf5\uc774\ub098 \uae30\uc220\ub85c \uc778\ud558\uc5ec) \ud06c\uac8c \ubcc0\uacbd\ub418\uac70\ub098 \ubcf4\uac15\ub418\ub294 \uacbd\uc6b0\uc5d0\ub294 \uc608\uc815\ub41c \ubcc0\uacbd \ub610\ub294 \ubcf4\uac15 \uc791\uc5c5\uc744 \uc2e4\ud589\ud558\uae30 \uc804\uc5d0 \ubc18\ub4dc\uc2dc BSP\uc758 \uc2b9\uc778\uc744 \ubc1b\uc544\uc57c \ud55c\ub2e4\ub294 \uc810\uc774\ub2e4.<\/p>\n<h2 style=\"margin-bottom: 10px;\"><span style=\"color: #f84619;\"><strong>\ub514\uc9c0\ud138 \uacbd\uc81c\uc758 \ubaa9\ud45c<\/strong><\/span><\/h2>\n<p>\ub514\uc9c0\ud138 \ubc45\ud06c\uc640 \uc804\uc790 \uae08\uc735 \uc0c1\ud488 \ubc0f \uc11c\ube44\uc2a4 \ubaa8\ub450 BSP\uc758 \ub514\uc9c0\ud138 \uacb0\uc81c \uc2dc\uc2a4\ud15c \uc804\ud658\uc744 \uc704\ud55c \ub85c\ub4dc\ub9f5\uc5d0\uc11c \ub9e4\uc6b0 \uc911\uc694\ud558\ub2e4. \ub514\uc9c0\ud138 \ubc45\ud06c\ub294 \ub204\uad6c\ub098 \uc774\uc6a9\ud560 \uc218 \uc788\ub294 \uc548\uc804\ud558\uace0 \uc548\uc815\uc801\uc778 \uae08\uc735 \uc0dd\ud0dc\uacc4 \uac1c\ubc1c\uc5d0 \ud544\uc694\ud55c \uc2dc\uc2a4\ud15c\uc73c\ub85c, \u201c\ud2b9\ud788 \uc77c\ubc18 \uace0\uac1d\uacfc \uc18c\uc561 \ucde8\uae09 \uc5c5\uccb4 \ubc0f \uc911\uc18c\uae30\uc5c5\uc5d0 \ube44\uc6a9 \ud6a8\uc728\uc801\uc774\uace0 \ud3b8\ub9ac\ud55c \uc740\ud589 \uacbd\ud5d8\uc744 \uc81c\uacf5\ud560 \uac83\u201d\uc73c\ub85c \uae30\ub300\ub41c\ub2e4.<\/p>\n<p>\ud604\uc7ac \ub514\uc9c0\ud138 \ubc45\ud06c \ud5c8\uac00\ub97c \ubc1b\uc740 \uc5c5\uccb4\ub4e4\uc5d0 \ub300\ud574\uc11c\ub294 \ucc44\ubb34 \uc0c1\ud658\uc744 \uc5f0\uae30\ud574\uc8fc\uace0 \uc788\ub294\ub370, \ucd08\uae30\uc5d0 BSP\uac00 \ucca0\uc800\ud55c \uac80\uc99d\uc744 \ud1b5\ud574 \uc120\uc815\ud55c \uae30\uc5c5\ub4e4\uc758 \uc778\uc9c0\ub3c4\uac00 \ub192\uc544\uc9c0\uba74\uc11c \ub514\uc9c0\ud138 \ubc45\ud06c \uc0c1\ud488\uacfc \uc11c\ube44\uc2a4\uc758 \uc778\uae30 \ub610\ud55c \ud06c\uac8c \uc62c\ub77c\uac08 \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4. \uc774\ub4e4 \uc678\uc5d0\ub3c4, \uc740\ud589 \ubc0f \uae30\ud0c0 \uae08\uc735\uae30\uad00\ub4e4\ub3c4 EPFS \ud5c8\uac00 \uc2e0\uccad\uc774\ub098 \ubcf4\uac15 \uc791\uc5c5\uc744 \ud1b5\ud574 \uc804\uc790\ud654\ud3d0 \ubc1c\ud589 \ub4f1 \uc0c8\ub85c\uc6b4 \ub514\uc9c0\ud138 \uae08\uc735 \uc0c1\ud488\uc744 \uac1c\ubc1c\ud560 \uc218 \uc788\ub2e4.<\/p>\n<p>\uae30\ud0c0 \ud601\uc2e0\uc801\uc778 \uae08\uc735 \uae30\uc220\uc774\ub098 \uc0c1\ud488 \ub610\ub294 \uc11c\ube44\uc2a4\uc758 \uacbd\uc6b0, BSP\ub294 \uc774\ubbf8 \ub9c8\ub828\ub41c \uaddc\uc81c \uc0cc\ub4dc\ubc15\uc2a4 \uae30\uc900\uc744 \ud65c\uc6a9\ud558\uace0 \uae30\uc874\uc758 \uc740\ud589 \uaddc\uce59\uacfc \uaddc\uc815\uc744 \uac1c\uc815\ud558\uba74\uc11c \uc218\ud61c \uc694\uc18c\uac00 \ub9ce\uace0 \uac1c\ubc29\uc801\uc778 \uaddc\uc81c \uc5ec\uac74\uc744 \uc870\uc131\ud574 \ub193\uc558\uae30 \ub54c\ubb38\uc5d0 \ud544\ub9ac\ud540\uc758 \ub514\uc9c0\ud138 \uae08\uc735 \uc0dd\ud0dc\uacc4\uc5d0 \uc790\ubcf8\uacfc \uae30\uc220\uc774 \uc720\uc785\ub418\uc5b4 \uadf8 \uc131\uc7a5\uc5d0 \ub9ce\uc740 \ub3c4\uc6c0\uc744 \uc904 \uac83\uc774\ub2e4.<\/p>\n<section class=\"format-info\"><img class=\"aligncenter size-medium wp-image-297592\" src=\"https:\/\/law.asia\/wp-content\/uploads\/2022\/04\/Gorriceta-Logo-300x85.png\" alt=\"\" width=\"300\" height=\"85\" srcset=\"https:\/\/law.asia\/wp-content\/uploads\/2022\/04\/Gorriceta-Logo-300x85.png 300w, https:\/\/law.asia\/wp-content\/uploads\/2022\/04\/Gorriceta-Logo-768x217.png 768w, https:\/\/law.asia\/wp-content\/uploads\/2022\/04\/Gorriceta-Logo-696x197.png 696w, https:\/\/law.asia\/wp-content\/uploads\/2022\/04\/Gorriceta-Logo.png 800w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<p style=\"text-align: center;\"><strong>GORRICETA AFRICA CAUTON &amp; SAAVEDRA<\/strong><\/p>\n<p style=\"text-align: center;\">15\/F Strata 2000, F. Ortigas Jr. Road<\/p>\n<p style=\"text-align: center;\">Ortigas Center, Pasig City<\/p>\n<p style=\"text-align: center;\">Metro Manila \u2013 1605<\/p>\n<p style=\"text-align: center;\">Philippines<\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><strong>\uc5f0\ub77d\ucc98<\/strong><br \/>\n\uc804\ud654: +632 8696 0687<br \/>\n\uc774\uba54\uc77c: <a href=\"mailto:counselors@gorricetalaw.com\">counselors@gorricetalaw.com<\/a><\/p>\n<p><a href=\"http:\/\/www.gorricetalaw.com\">www.gorricetalaw.com<\/a><\/p>\n<\/section>\n<p><a style=\"text-decoration: none;\" href=\"#navigation\"><button style=\"width: 20%; font-size: 12px; letter-spacing: 1px; padding: 3px 3px; color: #666; border-color: #F4F4F4; background-color: #fff; background-image: linear-gradient(to bottom,rgba(0,0,0,.01) 0,rgba(0,0,0,.02) 100%); background-repeat: repeat-x; border-radius: 3px; a: hover{background-color:#000;\"><span style=\"color: #f84619; font-weight: bold; text-transform: uppercase;\"><span class=\"vantage-orange\">\ub9e8 \uc704\ub85c<\/span><\/span><\/button><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc740\ud589 \ubd80\ubb38\uc758 \uae30\uc220\uc801 \ud601\uc2e0\uc774 \ud65c\ubc1c\ud558\uac8c \uc9c4\ud589\ub418\uace0 \uae30\uc874\uc758 \uc624\ud504\ub77c\uc778 \uc5c5\ubb34\uac00 \uac08\uc218\ub85d \ud1f4\uc0c9\ub418\uba74\uc11c \uaddc\uc81c \uae30\uad00\ub4e4 \ub610\ud55c \uc774\ub7ec\ud55c \ucd94\uc138\uc5d0 \ubc1c\ub9de\ucdb0 \uc0c8\ub85c\uc6b4 \uae30\uc900 \ub9c8\ub828\uc744 \uc11c\ub450\ub974\uace0 \uc788\ub2e4. \uc8fc\uc694 \uc778\ub3c4 \ud0dc\uad6d \ud544\ub9ac\ud540\uc758 \ub514\uc9c0\ud138 \ubc45\ud0b9\uc740 2020\ub144 \ud544\ub9ac\ud540\uc911\uc559\uc740\ud589(BSP) \ud68c\ub78c \uc81c1105\ud638(\ub514\uc9c0\ud138 \ubc45\ud06c \uc124\ub9bd\uc5d0 \uad00\ud55c \uac00\uc774\ub4dc\ub77c\uc778)\uc774 \ubc1c\ud45c\ub418\uba74\uc11c \uae0d\uc815\uc801\uc778 \uc804\ud658\uc810\uc744 \ub9de\uc774\ud558\uace0 \uc788\ub2e4. \uc774 \ud68c\ub78c\uc5d0\uc11c 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