{"id":470343,"date":"2023-08-14T12:03:57","date_gmt":"2023-08-14T04:03:57","guid":{"rendered":"https:\/\/law.asia\/?p=470343"},"modified":"2024-02-23T12:06:24","modified_gmt":"2024-02-23T04:06:24","slug":"digital-lending-revisited","status":"publish","type":"post","link":"https:\/\/law.asia\/ko\/digital-lending-revisited\/","title":{"rendered":"\uc7ac\uac80\ud1a0\ub41c \ub514\uc9c0\ud138 \ub300\ucd9c\uc758 \uae30\ubcf8 \uc190\uc2e4 \ubcf4\uc99d"},"content":{"rendered":"<p>2022\ub144 8\uc6d4 \uc778\ub3c4\uc911\uc559\uc740\ud589(RBI)\uc740 \ub514\uc9c0\ud138 \ub300\ucd9c\uc5d0 \uad00\ud55c \uc791\uc5c5 \uadf8\ub8f9\uc758 \uad8c\uace0 \uc0ac\ud56d\uc744 \ubd80\ubd84\uc801\uc73c\ub85c \uc774\ud589\ud55c\ub2e4\uace0 \ubcf4\ub3c4 \uc790\ub8cc\ub97c \ubc1c\ud45c\ud588\ub2e4. \uc5ec\uc804\ud788 RBI\uc758 \ucd94\uac00 \uace0\ub824 \ub300\uc0c1\uc73c\ub85c \ub0a8\uc544 \uc788\ub294 \uc2e4\ubb34 \uadf8\ub8f9\uc758 \uc81c\uc548 \uc911\uc5d0\ub294 \ucd5c\ucd08 \uc190\uc2e4\uc5d0 \ub300\ud55c \uae30\ubcf8 \ubcf4\uc99d(FLDG)\uc774 \uc788\uc5c8\ub2e4. \ud574\ub2f9 \uc790\ub8cc\ub294 FLDG \uc81c\uacf5\uc774 \ud540\ud14c\ud06c \uc5d0\ucf54\uc2dc\uc2a4\ud15c\uc758 \uae30\ubc18\uc784\uc744 \ubd84\uba85\ud788 \ud588\ub2e4. FLDG\uac00 \uad81\uadf9\uc801\uc73c\ub85c \uc5bc\ub9c8\ub098 \uc5c4\uaca9\ud558\uac8c \uaddc\uc81c\ub420 \uac83\uc778\uc9c0\uc5d0 \ub300\ud574 \uc5c5\uacc4 \ub0b4\uc5d0\uc11c \ub9ce\uc740 \uc6b0\ub824\uac00 \uc788\uc5c8\ub2e4.<\/p>\n<figure id=\"attachment_294208\" aria-describedby=\"caption-attachment-294208\" style=\"width: 200px\" class=\"wp-caption alignright\"><img class=\"wp-image-294211\" src=\"https:\/\/law.asia\/wp-content\/uploads\/2022\/03\/Phoenix_Legal_Sawant_Singh.jpg\" alt=\"Sawant Singh\" width=\"200\" height=\"250\" srcset=\"https:\/\/law.asia\/wp-content\/uploads\/2022\/03\/Phoenix_Legal_Sawant_Singh.jpg 400w, https:\/\/law.asia\/wp-content\/uploads\/2022\/03\/Phoenix_Legal_Sawant_Singh-240x300.jpg 240w, https:\/\/law.asia\/wp-content\/uploads\/2022\/03\/Phoenix_Legal_Sawant_Singh-336x420.jpg 336w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/><figcaption id=\"caption-attachment-294208\" class=\"wp-caption-text\"><strong>Sawant Singh<\/strong> <br \/>\ud30c\ud2b8\ub108 \ubcc0\ud638\uc0ac<br \/>Phoenix Legal<\/figcaption><\/figure>\n<p>FLDG\ub294 \uae30\uc220 \ud50c\ub7ab\ud3fc \uacf5\uae09\uc790\uac00 RBI \uaddc\uc81c \ubc95\uc778(RE)\uc5d0 \uc704\ud0c1\ud55c \ub300\ucd9c\uc744 \uc9c0\uc6d0\ud558\uae30 \uc704\ud574 \ubd80\ubd84 \ubcf4\uc99d\uc744 \uc81c\uacf5\ud560 \uc218 \uc788\ub2e4. FLDG\ub294 \uc591 RE, RE\uc640 \ube44RE \uac04\uc5d0\ub3c4 \uc81c\uacf5\ub420 \uc218 \uc788\ub2e4. RBI\uc758 2022\ub144 9\uc6d4 \ub514\uc9c0\ud138 \ub300\ucd9c\uc5d0 \ub300\ud55c \ucd08\uae30 \uc9c0\uce68\uc774 FLDG \uc81c\uacf5\uc744 \ubcf5\ud569\uc801 \uc99d\uad8c\ud654\uc640 \ub3d9\uc77c\uc2dc\ud568\uc5d0 \ub530\ub77c \ud540\ud14c\ud06c \ubc0f \ub300\ucd9c \uc5c5\uacc4\uc5d0\uc11c \ud63c\ub780\uc744 \uacaa\uc5c8\ub2e4. \uc774\ub294 \uc2e0\uc6a9\ubcf4\uc99d \ub610\ub294 \uc2e0\uc6a9\ud30c\uc0dd\uc0c1\ud488\uc744 \ud1b5\ud574 \ub300\ucd9c \ub610\ub294 \ub300\ucd9c \ud480\uc758 \uc2e0\uc6a9\uc704\ud5d8\uc758 \uc804\ubd80 \ub610\ub294 \uc77c\ubd80\ub97c \uc804\uac00\ud560 \uc218 \uc788\ub294 \uad6c\uc870\ub2e4. RBI\ub294 \ucd5c\uadfc 2023\ub144 6\uc6d4 8\uc77c \ub514\uc9c0\ud138 \ub300\ucd9c\uc758 \ucc44\ubb34\ubd88\uc774\ud589 \uc190\uc2e4 \ubcf4\uc99d(DLG)\uc5d0 \ub300\ud55c \ucd94\uac00 \uc9c0\uce68\uc744 \ubc1c\ud45c\ud588\ub2e4.<\/p>\n<p>2023\ub144 6\uc6d4 \ud68c\ub78c\uc740 \uaddc\uc815\uc744 \uc900\uc218\ud558\ub294 DLG\uac00 \ubcf5\ud569\uc801 \uc99d\uad8c\ud654 \ub610\ub294 \ub300\ucd9c \ucc38\uc5ec\ub85c \ucde8\uae09\ub418\uc9c0 \uc54a\uc74c\uc744 \uba85\ud655\ud788 \ud55c\ub2e4. \ud6c4\uc790\ub294 \uc2e4\uc81c \ub300\ucd9c\uae08\uc744 \uc591\ub3c4\ud558\uc9c0 \uc54a\uace0 \ub300\ucd9c\uae08\uc5d0 \ub300\ud55c \uacbd\uc81c\uc801 \uc774\uc790\ub97c \uc591\ub3c4\ud558\ub294 \uad6c\uc870\uc774\ub2e4. \ud68c\ub78c\uc740 \ubaa8\ub4e0 \uc0c1\uc5c5 \uc740\ud589\uacfc \ubaa8\ub4e0 \ube44\uc740\ud589 \uae08\uc735 \ud68c\uc0ac\uc5d0 \uc801\uc6a9\ub41c\ub2e4. DLG\ub294 \uc774\uc81c \ud68c\ub78c\uc5d0\uc11c RE\uc640 \ud68c\ub78c\uc5d0 \uaddc\uc815\ub41c \uae30\uc900\uc744 \uc900\uc218\ud558\ub294 \ub2e4\ub978 \ubc95\uc778 \uac04\uc758 \uacc4\uc57d \uc57d\uc815\uc73c\ub85c \uc815\uc758\ub418\uba70, \ud574\ub2f9 \ubc95\uc778\uc740 \ub300\ucd9c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \uc190\uc2e4\uc5d0 \ub300\ud574 \uc0ac\uc804 \ud569\uc758\ub41c \ud55c\ub3c4\uae4c\uc9c0 RE\uc5d0 \ubcf4\uc0c1\ud558\uae30\ub85c \ub3d9\uc758\ud55c\ub2e4.\u00a0 RE\ub294 2013\ub144 \ud68c\uc0ac\ubc95\uc5d0 \ub530\ub77c \ud1b5\ud569\ub41c \ub2e4\ub978 RE \ub610\ub294 \ub300\ucd9c \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4(LSP)\uc640 \ub300\ucd9c \uc11c\ube44\uc2a4 \uc544\uc6c3\uc18c\uc2f1 \uacc4\uc57d\uc744 \ub9fa\uc740 \uacbd\uc6b0\uc5d0\ub9cc DLG\ub97c \uccb4\uacb0\ud560 \uc218 \uc788\ub2e4.<\/p>\n<figure id=\"attachment_284836\" aria-describedby=\"caption-attachment-284836\" style=\"width: 200px\" class=\"wp-caption alignright\"><img class=\"wp-image-284839\" src=\"https:\/\/law.asia\/wp-content\/uploads\/2022\/02\/Phoenix-Legal_Aditya-Bhargava.jpg\" alt=\"Aditya Bhargava\" width=\"200\" height=\"250\" srcset=\"https:\/\/law.asia\/wp-content\/uploads\/2022\/02\/Phoenix-Legal_Aditya-Bhargava.jpg 400w, https:\/\/law.asia\/wp-content\/uploads\/2022\/02\/Phoenix-Legal_Aditya-Bhargava-240x300.jpg 240w, https:\/\/law.asia\/wp-content\/uploads\/2022\/02\/Phoenix-Legal_Aditya-Bhargava-336x420.jpg 336w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/><figcaption id=\"caption-attachment-284836\" class=\"wp-caption-text\"><strong>Aditya Bhargava<\/strong> <br \/>\ud30c\ud2b8\ub108 \ubcc0\ud638\uc0ac<br \/>Phoenix Legal<\/figcaption><\/figure>\n<p>DLG\ub294 RE\uc640 DLG \uacf5\uae09\uc790 \uac04\uc758 \uba85\uc2dc\uc801\uc774\uace0 \ubc95\uc801\uc73c\ub85c \uc9d1\ud589 \uac00\ub2a5\ud55c \uacc4\uc57d\uc73c\ub85c \ub4b7\ubc1b\uce68\ub418\uc5b4\uc57c \ud55c\ub2e4. DLG \uacc4\uc57d\uc740 DLG\uc758 \ud615\uc2dd, RE\uac00 DLG \ubcf4\uc7a5\uc744 \uc720\uc9c0\ud558\ub294 \ubc29\ubc95, DLG \ubcf4\uc7a5 \ubc94\uc704, DLG\ub97c \uc801\uc6a9\ud558\uae30 \uc704\ud55c \uc77c\uc815 \ubc0f 2023\ub144 6\uc6d4 \ud68c\ub78c\uc5d0 \uba85\uc2dc\ub41c \ucd94\uac00 \uacf5\uac1c \uc694\uad6c \uc0ac\ud56d\uc744 \uc9c0\uc815\ud574\uc57c \ud55c\ub2e4. DLG\ub294 RE\uc5d0 \uc608\uce58\ub41c \ud604\uae08 \ud615\ud0dc, RE\uc5d0 \uc720\ub9ac\ud55c \ub2f4\ubcf4\uad8c\uc774 \ud45c\uc2dc\ub41c \uc0c1\uc5c5\uc740\ud589 \uc815\uae30 \uc608\uae08, RE\uc5d0 \uc720\ub9ac\ud55c \uc740\ud589 \ubcf4\uc99d\uae08\uc73c\ub85c\ub9cc \uc81c\uacf5\ub420 \uc218 \uc788\ub2e4.<\/p>\n<p>DLG \uae30\uac04\uc740 DLG\uac00 \uc81c\uacf5\ub41c \ub300\ucd9c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \ub9cc\uae30\ubcf4\ub2e4 \uc9e7\uc544\uc11c\ub294 \uc548 \ub41c\ub2e4. DLG\uc5d0 \ub530\ub77c \uc81c\uacf5\ub41c \ubcf4\uc7a5\uc740 DLG\uac00 \uc81c\uacf5\ub41c \ub300\ucd9c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 5%\ub97c \ucd08\uacfc\ud574\uc11c\ub294 \uc548 \ub41c\ub2e4. RE\ub294 \ucc28\uc6a9\uc778\uc774 \ub9cc\uae30\uc77c\uc744 \ud0d5\uac10\ud558\uc9c0 \uc54a\ub294 \ud55c \ub300\ucd9c\uc774 \uc5f0\uccb4\ub41c \ub0a0\uc9dc\ub85c\ubd80\ud130 \ucd5c\ub300 120\uc77c \uc774\ub0b4\uc5d0 DLG\ub97c \ubc1c\ub3d9\ud574\uc57c \ud55c\ub2e4.<\/p>\n<p>RE\ub294 \ubd80\uc2e4 \uc790\uc0b0\uacfc \uac19\uc774 \uc801\uc6a9 \uac00\ub2a5\ud55c \uac74\uc804\uc131 \uc694\uac74\uc5d0 \ub530\ub77c DLG\uc758 \uae30\ucd08\uac00 \ub418\ub294 \uac1c\ubcc4 \ub300\ucd9c\uc744 \uc778\uc2dd\ud558\uace0 \uadf8\ub7ec\ud55c \ub300\ucd9c\uc744 \uc81c\uacf5\ud560 \ucc45\uc784\uc774 \uc788\ub2e4. DLG\uac00 \ubc1c\ub3d9\ub41c \ub300\ucd9c\ub85c\ubd80\ud130\uc758 \ud68c\uc218\ub294 RE\uc640 LSP \uc0ac\uc774\uc758 \uacc4\uc57d\uc0c1 \uc57d\uc815\uc5d0 \ub530\ub77c LSP\uc640 \uacf5\uc720\ub420 \uc218 \uc788\ub2e4. \ud765\ubbf8\ub86d\uac8c\ub3c4 2023\ub144 6\uc6d4 \ud68c\ub78c\uc740 \ud638\ucd9c\ub41c DLG \uae08\uc561\uc774 &#8220;\uae30\ubcf8 \uac1c\uc778 \ub300\ucd9c\uc5d0 \ub300\ud574 \uc0c1\uacc4\ub418\uc9c0 \uc54a\uc544\uc57c \ud55c\ub2e4&#8221;\uace0 \uaddc\uc815\ud55c\ub2e4. \ub300\ucd9c\uc5d0 \ub300\ud55c DLG\uc640 \uad00\ub828\ud558\uc5ec \ud638\ucd9c\ub41c \uae08\uc561\uc774 \ud574\ub2f9 \ub300\ucd9c\uc5d0 \ub300\ud55c \ubbf8\uacb0\uc81c \uc794\uc561\uc744 \uac10\uc18c\uc2dc\ud0ac \uac83\uc774\ub77c\ub294 \uc810\uc744 \uace0\ub824\ud560 \ub54c \uaddc\uc815\uc758 \uc774\uc720\ub294 \uba85\ud655\ud558\uc9c0 \uc54a\ub2e4.<\/p>\n<p>RBI\uac00 DLG \ud611\uc815\uc5d0 \ub300\ud55c \uc9c0\uce68\uc744 \uc81c\uacf5\ud55c \uac83\uc740 \ud658\uc601\ud560 \ub9cc\ud55c \uc77c\uc774\uba70 RBI\ub294 \uadf8\ub7ec\ud55c \ud611\uc815\uc758 \ud0c0\ub2f9\uc131\uc5d0 \ub300\ud574 \uc808\uc2e4\ud788 \ud544\uc694\ud55c \uba85\ud655\uc131\uc744 \uc81c\uacf5\ud588\ub2e4. \uc774 \uc9c0\uce68 \ubc1c\ud589 \uc774\uc804 RE\uac00 \uccb4\uacb0\ud55c DLG \uacc4\uc57d\uc740 \ubd88\ud655\uc2e4\uc131\uacfc \ucd94\uce21\uc758 \ub300\uc0c1\uc774\uc5c8\ub2e4. RBI\uac00 \uc81c\uacf5\ud558\ub294 \uc9c0\uce68\uc774 \uaddc\uc81c \ucd08\uae30 \uc218\uc900\uc5d0 \ubd88\uacfc\ud568\uc744 \uc554\uc2dc\ud558\uace0 \uc788\ub294 \uc810\uc774 \ud765\ubbf8\ub86d\ub2e4.\ub2f9\ubd84\uac04 \uaddc\uc81c\ub2f9\uad6d\uc740 \ubc88\uac70\ub85c\uc6b4 \uaddc\uc81c\ub85c \uc5c5\uacc4\ub97c \uc18d\ubc15\ud558\uae30\ubcf4\ub2e4\ub294 \uc5c5\uacc4\ub97c \uaca9\ub824\ud558\uace0 \uc721\uc131\ud558\uae30\ub85c \ud55c \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4.<\/p>\n<p><span class=\"vantage-grey\"><em><strong>Sawant Singh\uacfc Aditya Bhargava\ub294 Phoenix Legal\uc758 \ud30c\ud2b8\ub108 \ubcc0\ud638\uc0ac\uc774\ub2e4.<\/strong><\/em><\/span><\/p>\n<section class=\"format-info\"><strong><img class=\"size-full wp-image-112223 aligncenter\" src=\"https:\/\/law.asia\/wp-content\/uploads\/2019\/02\/Phoenix-Legal-2019.jpg\" alt=\"resolution\" width=\"320\" height=\"100\" srcset=\"https:\/\/law.asia\/wp-content\/uploads\/2019\/02\/Phoenix-Legal-2019.jpg 320w, https:\/\/law.asia\/wp-content\/uploads\/2019\/02\/Phoenix-Legal-2019-300x94.jpg 300w\" sizes=\"(max-width: 320px) 100vw, 320px\" \/><\/strong><\/p>\n<p style=\"text-align: justify;\"><strong>Phoenix Legal<\/strong><\/p>\n<p style=\"text-align: justify;\">Second Floor<br \/>\n254, Okhla Industrial<br \/>\nEstate Phase III<br \/>\nNew Delhi \u2013 110 020<br \/>\nIndia<br \/>\nVaswani Mansion, 3\/F<br \/>\n120 Dinshaw Vachha Road,<br \/>\nChurchgate<br \/>\nMumbai \u2013 400 020<br \/>\nIndia<br \/>\n<b>\uc5f0\ub77d\ucc98:<br \/>\n<\/b>\uc804\ud654: +91 11 4983 0000<br \/>\n+91 22 4340 8500<br \/>\n\uc774\uba54\uc77c: <a href=\"mailto:delhi@phoenixlegal.in\">delhi@phoenixlegal.in<\/a><br \/>\n<a href=\"mailto:mumbai@phoenixlegal.in\">mumbai@phoenixlegal.in<\/a><\/p>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>2022\ub144 8\uc6d4 \uc778\ub3c4\uc911\uc559\uc740\ud589(RBI)\uc740 \ub514\uc9c0\ud138 \ub300\ucd9c\uc5d0 \uad00\ud55c \uc791\uc5c5 \uadf8\ub8f9\uc758 \uad8c\uace0 \uc0ac\ud56d\uc744 \ubd80\ubd84\uc801\uc73c\ub85c \uc774\ud589\ud55c\ub2e4\uace0 \ubcf4\ub3c4 \uc790\ub8cc\ub97c \ubc1c\ud45c\ud588\ub2e4. \uc5ec\uc804\ud788 RBI\uc758 \ucd94\uac00 \uace0\ub824 \ub300\uc0c1\uc73c\ub85c \ub0a8\uc544 \uc788\ub294 \uc2e4\ubb34 \uadf8\ub8f9\uc758 \uc81c\uc548 \uc911\uc5d0\ub294 \ucd5c\ucd08 \uc190\uc2e4\uc5d0 \ub300\ud55c \uae30\ubcf8 \ubcf4\uc99d(FLDG)\uc774 \uc788\uc5c8\ub2e4. \ud574\ub2f9 \uc790\ub8cc\ub294 FLDG \uc81c\uacf5\uc774 \ud540\ud14c\ud06c \uc5d0\ucf54\uc2dc\uc2a4\ud15c\uc758 \uae30\ubc18\uc784\uc744 \ubd84\uba85\ud788 \ud588\ub2e4. FLDG\uac00 \uad81\uadf9\uc801\uc73c\ub85c \uc5bc\ub9c8\ub098 \uc5c4\uaca9\ud558\uac8c \uaddc\uc81c\ub420 \uac83\uc778\uc9c0\uc5d0 \ub300\ud574 \uc5c5\uacc4 \ub0b4\uc5d0\uc11c \ub9ce\uc740 \uc6b0\ub824\uac00 \uc788\uc5c8\ub2e4. FLDG\ub294 \uae30\uc220<\/p>\n","protected":false},"author":7425,"featured_media":417076,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"sfsi_plus_gutenberg_text_before_share":"","sfsi_plus_gutenberg_show_text_before_share":"","sfsi_plus_gutenberg_icon_type":"","sfsi_plus_gutenberg_icon_alignemt":"","sfsi_plus_gutenburg_max_per_row":"","meta-author":"Sawant Singh\uadf8\ub9ac\uace0Aditya Bhargava, Phoenix Legal"},"categories":[8398,77915],"tags":[52168,52170,113297,52169,141867,141865,117866,141866],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v17.7 (Yoast SEO v17.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<meta name=\"description\" content=\"2022\ub144 8\uc6d4 \uc778\ub3c4\uc911\uc559\uc740\ud589(RBI)\uc740 \ub514\uc9c0\ud138 \ub300\ucd9c\uc5d0 \uad00\ud55c \uc791\uc5c5 \uadf8\ub8f9\uc758 \uad8c\uace0 \uc0ac\ud56d\uc744 \ubd80\ubd84\uc801\uc73c\ub85c \uc774\ud589\ud55c\ub2e4\uace0 \ubcf4\ub3c4 \uc790\ub8cc\ub97c \ubc1c\ud45c\ud588\ub2e4. \uc5ec\uc804\ud788 RBI\uc758 \ucd94\uac00 \uace0\ub824 \ub300\uc0c1\uc73c\ub85c \ub0a8\uc544 \uc788\ub294 \uc2e4\ubb34 \uadf8\ub8f9\uc758 \uc81c\uc548 \uc911\uc5d0\ub294 \ucd5c\ucd08 \uc190\uc2e4\uc5d0 \ub300\ud55c \uae30\ubcf8 \ubcf4\uc99d(FLDG)\uc774 \uc788\uc5c8\ub2e4...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/law.asia\/ko\/digital-lending-revisited\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\uc7ac\uac80\ud1a0\ub41c \ub514\uc9c0\ud138 \ub300\ucd9c\uc758 \uae30\ubcf8 \uc190\uc2e4 \ubcf4\uc99d\" \/>\n<meta property=\"og:description\" content=\"2022\ub144 8\uc6d4 \uc778\ub3c4\uc911\uc559\uc740\ud589(RBI)\uc740 \ub514\uc9c0\ud138 \ub300\ucd9c\uc5d0 \uad00\ud55c 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