{"id":482564,"date":"2024-04-18T11:08:27","date_gmt":"2024-04-18T03:08:27","guid":{"rendered":"https:\/\/law.asia\/?p=482564"},"modified":"2024-04-19T09:58:24","modified_gmt":"2024-04-19T01:58:24","slug":"north-asia-digital-banking","status":"publish","type":"post","link":"https:\/\/law.asia\/ko\/north-asia-digital-banking\/","title":{"rendered":"\ubd81\uc544\uc2dc\uc544 \uc9c0\uc5ed\uc758 \ub514\uc9c0\ud138 \ubc45\ud0b9 \uac00\uc774\ub4dc"},"content":{"rendered":"<div id=\"navigation\">\n<p><span class=\"vantage-grey\"><em><strong>\uc7c1\uc810\uc758 \uc911\uc2ec\uc5d0 \uc788\ub294 \uae08\uc735 \ubd84\uc57c\uc758 \uaddc\uc81c\uc640 \uaddc\uc815 \uc900\uc218\uac00 \ube60\ub974\uac8c \uc9c4\ud654\ud558\uba74\uc11c \uc0c8\ub85c\uc6b4 \ub3d9\ud5a5\uc5d0 \ub300\ud55c \ucd5c\uc2e0 \uc815\ubcf4\ub97c \ud30c\uc545\ud558\ub294 \uc77c\uc774 \uc5b4\ub290\ub54c\ubcf4\ub2e4 \uc911\uc694\ud574\uc84c\ub2e4. \uc774\ubc88 \uae30\uc0ac\uc5d0\uc11c\ub294 \uc77c\ubcf8\uacfc \ud55c\uad6d\uc758 \uad00\ub828 \ubc95\uacfc \uaddc\uc815\uc5d0 \ub300\ud55c \uc804\ubb38\uac00\uc758 \uc758\uacac\uc744 \uc18c\uac1c\ud558\uace0\uc790 \ud55c\ub2e4.<\/strong><\/em><\/span><\/p>\n<table style=\"margin-top: 0px; height: 12px;\" width=\"700\">\n<tbody style=\"border: 1px solid transparent; width: 100%; background-color: #32849b;\">\n<tr style=\"border: 1px solid transparent;\">\n<td style=\"width: 25%; margin: 0px; padding-top: 5px; padding-bottom: 5px; border-right: 2px solid #ffffff;\" valign=\"middle\">\n<p style=\"margin-bottom: 0px; text-align: center;\"><a href=\"https:\/\/law.asia\/ko\/digital-banking-japan\/\"><span style=\"color: #ffffff;\"><b> \uc77c\ubcf8<\/b><\/span><\/a><\/p>\n<\/td>\n<td style=\"width: 25%; margin: 0px; padding-top: 5px; padding-bottom: 5px; border-right: 2px solid #ffffff;\" valign=\"middle\">\n<p style=\"margin-bottom: 0px; text-align: center;\"><a href=\"https:\/\/law.asia\/ko\/digital-banking-regulation-south-korea\/\"><span style=\"color: #ffffff;\"><b> \ub300\ud55c\ubbfc\uad6d<\/b><\/span><\/a><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span style=\"color: #32849b;\"><strong>\uc77c\ubcf8<\/strong><\/span><\/h2>\n<p>\uc77c\ubcf8\uc758 \uacbd\uc6b0, \uc644\uc804\ud55c \uc778\ud130\ub137 \uae30\ubc18\uc758 \uc740\ud589\uc740 2000\ub144 10\uc6d4\uc5d0 \ucc98\uc74c \ubb38\uc744 \uc5f4\uc5c8\ub2e4. \ub2f9\uc2dc\uc5d0\ub294 \uc774\ub7ec\ud55c \ud615\ud0dc\uc758 \uc740\ud589\uc744 \uc77c\ubc18\uc801\uc73c\ub85c \u201c\uc778\ud130\ub137 \ubc45\ud06c\u201d\ub77c\uace0 \ubd88\ub800\ub2e4. \uc774\ud6c4, \uc2a4\ub9c8\ud2b8\ud3f0\uc774 \ubcf4\uae09\ub418\uba74\uc11c \uc77c\ubcf8\uc758 \uc804\ud1b5\uc801\uc778 \uae08\uc735 \uae30\uad00(\uba54\uac00\ubc45\ud06c\uc640 \uc9c0\ubc29\uc740\ud589)\uc740 \uc810\ucc28 \uc628\ub77c\uc778\uc73c\ub85c \ubaa8\ub4e0 \uac70\ub798\ub97c \uc644\ub8cc\ud560 \uc218 \uc788\ub294 \uc740\ud589 \uc11c\ube44\uc2a4 \uc571\uc744 \uc81c\uacf5\ud558\uae30 \uc2dc\uc791\ud588\ub2e4.<\/p>\n<p>\ucd5c\uadfc \ub4e4\uc5b4\uc11c\ub294 \uc99d\uad8c\uc0ac \ubc0f \ubcf4\ud5d8\uc0ac\uc640 \ud611\ub825\ud558\uc5ec \uc571 \uc0ac\uc6a9\uc790\uac00 \uc740\ud589 \uc11c\ube44\uc2a4\ub97c \uc774\uc6a9\ud560 \uc218 \uc788\uc744 \ubfd0\ub9cc \uc544\ub2c8\ub77c \uc99d\uad8c \uac70\ub798\uc640 \ubcf4\ud5d8 \uac00\uc785\uae4c\uc9c0 \uac00\ub2a5\ud55c \uc288\ud37c \uc571\uc744 \uc81c\uacf5\ud558\ub294 \uc740\ud589\ub3c4 \ub4f1\uc7a5\ud588\ub2e4.<\/p>\n<p>\ub2e4\ub978 \uad6d\uac00\ub4e4\uacfc \ub9c8\ucc2c\uac00\uc9c0\ub85c, \uc77c\ubcf8\uc5d0\uc11c\ub3c4 \ucf54\ub85c\ub09819 \uc0ac\ud0dc \uc774\ud6c4 2020\ub144\ubd80\ud130 \ub514\uc9c0\ud138 \ubc45\ud0b9\uc758 \uc778\uae30\uac00 \ud55c\uce35 \ub192\uc544\uc84c\ub2e4. \uace0\uc720\uc758 \uc740\ud589 \uc5c5\ubb34\ub97c \uc218\ud589\ud558\ub294 \uac83\uc5d0 \ub354\ud558\uc5ec, \uba87\uba87 \uc740\ud589\ub4e4\uc740 \uc560\ud50c\ub9ac\ucf00\uc774\uc158 \ud504\ub85c\uadf8\ub798\ubc0d \uc778\ud130\ud398\uc774\uc2a4(API)\ub97c \ud1b5\ud574 \u2018\uc11c\ube44\uc2a4\ud615 \ubc45\ud0b9(BaaS)\u2019 \ud50c\ub7ab\ud3fc\uc744 \uae30\uc5c5\ub4e4\uc5d0\uac8c \uc81c\uacf5\ud558\uae30 \uc2dc\uc791\ud588\ub2e4.<\/p>\n<p>\uc9c0\uae08\uae4c\uc9c0 \ub300\ubd80\ubd84\uc758 \uc77c\ubcf8 \uc778\ud130\ub137 \ubc45\ud06c\ub294 \uc8fc\ub85c \uac1c\uc778\uc744 \ub300\uc0c1\uc73c\ub85c \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud574 \uc654\ub2e4. \ud558\uc9c0\ub9cc 2023\ub144 \ud55c \uc740\ud589 \uadf8\ub8f9\uc740 2024\ub144 \ub9d0\uae4c\uc9c0 \uc601\uc5c5 \uac1c\uc2dc\ub97c \ubaa9\ud45c\ub85c \uc628\ub77c\uc778 \uae30\uc5c5 \ub300\ucd9c\uc744 \uc804\ubb38\uc801\uc73c\ub85c \ucde8\uae09\ud558\ub294 \ub514\uc9c0\ud138 \ubc45\ud06c\ub97c \uc124\ub9bd\ud558\uaca0\ub2e4\ub294 \uacc4\ud68d\uc744 \ubc1c\ud45c\ud588\ub2e4.<\/p>\n<p>\ud604\uc7ac, \uc77c\ubcf8\uc758 \ub514\uc9c0\ud138 \ubc45\ud0b9\uc740 \uc740\ud589\uc758 \uc804\uc720\ubb3c\uc774 \uc544\ub2c8\ub2e4. \ud55c\uce35 \uccb4\uacc4\uc801\uc774\uace0 \uc804\ubb38\uc801\uc778 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\ub294 \u2018\uc5b8\ubc88\ub4e4\ub9c1(unbundling)\u2019 \uac1c\ub150\uc774 \ucd5c\uadfc \uc77c\ubcf8 \uae08\uc735 \uaddc\uc81c\uc758 \ud2b9\uc9d5 \uc911 \ud558\ub098\ub85c \ubd80\uc0c1\ud558\uba74\uc11c \uc77c\ubcf8 \uc815\ubd80\ub294 \uc804\ud1b5\uc801\uc778 \uc740\ud589 \uc11c\ube44\uc2a4 \uc911 \uc77c\ubd80\ub9cc \uc218\ud589\ud558\ub294 \uae30\uc5c5\uc5d0 \ub300\ud574 \ub2e4\ub978 \uc720\ud615\uc758 \uc778\uac00(\u8a8d\u53ef) \uccb4\uacc4\ub97c \ub9c8\ub828\ud588\ub2e4.<\/p>\n<figure id=\"attachment_478362\" aria-describedby=\"caption-attachment-478362\" style=\"width: 200px\" class=\"wp-caption alignright\"><img class=\"size-full wp-image-478365\" src=\"https:\/\/law.asia\/wp-content\/uploads\/2024\/04\/Katsuya-Hongyo.jpg\" alt=\"Katsuya Hongyo\" width=\"200\" height=\"250\" \/><figcaption id=\"caption-attachment-478362\" class=\"wp-caption-text\"><strong>Katsuya Hongyo<\/strong><br \/>\ud30c\ud2b8\ub108<br \/>Tokyo \uc18c\uc7ac Chuo Sogo Law Office<br \/>\uc804\ud654: +81 3 3539 1877<br \/>\uc774\uba54\uc77c: <a href=\"mailto:hongyo_k@clo.gr.jp\">hongyo_k@clo.gr.jp<\/a><\/figcaption><\/figure>\n<h3><span style=\"color: #32849b;\"><strong>\uc778\uac00 \uccb4\uacc4<\/strong><\/span><\/h3>\n<p>\uc77c\ubcf8\uc758 \uc740\ud589\ubc95\uc5d0\uc11c\ub294 (1) \uc608\uae08 \ub610\ub294 \uc801\uae08 \uc218\ucde8, \uc790\uae08 \ub300\ucd9c \ub610\ub294 \uc5b4\uc74c \ud560\uc778, (2) \uc790\uae08 \uc774\uccb4 \uac70\ub798 \ucde8\uae09\uc744 \uc740\ud589\uc5c5\uc73c\ub85c \uc815\uc758\ud558\uace0 \uc788\ub294\ub370, \uc740\ud589\uc5c5\uc744 \uc218\ud589\ud558\ub824\uba74 \ucd1d\ub9ac\uc758 \uc778\uac00\ub97c \ubc1b\uc544\uc57c \ud55c\ub2e4\uace0 \uba85\uc2dc\ub418\uc5b4 \uc788\ub2e4. \ub2ec\ub9ac \ub9d0\ud558\uba74, \ub514\uc9c0\ud138 \ubc45\ud06c \ub610\ud55c \uc740\ud589 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud560 \ub54c\uc5d0\ub294 \ucd1d\ub9ac\uc758 \uc778\uac00\uac00 \ud544\uc694\ud558\ub2e4\ub294 \uac83\uc744 \uc758\ubbf8\ud55c\ub2e4.<\/p>\n<p>\uc740\ud589\ubc95\uc5d0\ub294 \uc740\ud589\uc5c5 \uc778\uac00\uc5d0 \ud544\uc694\ud55c \ub450 \uac00\uc9c0 \uc2ec\uc0ac \uae30\uc900\uc774 \uaddc\uc815\ub418\uc5b4 \uc788\ub2e4.<\/p>\n<p>(1) \uc2e0\uccad\uc778\uc740 \uac74\uc804\ud558\uace0 \ud6a8\uc728\uc801\uc778 \ubc29\uc2dd\uc73c\ub85c \uc740\ud589 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud560 \uc218 \uc788\ub294 \ucda9\ubd84\ud55c \uc7ac\uc6d0\uc744 \ubcf4\uc720\ud558\uace0 \uc788\uc5b4\uc57c \ud558\uba70, \ud574\ub2f9 \uc11c\ube44\uc2a4\uc640 \uad00\ub828\ud558\uc5ec \uc218\uc785 \ubc0f \uc9c0\ucd9c\uc5d0 \ub300\ud55c \uc804\ub9dd\uc774 \uc591\ud638\ud574\uc57c \ud55c\ub2e4.<\/p>\n<p>(2) \uc778\ub825\uacfc \uad00\ub828\ud558\uc5ec, \uc2e0\uccad\uc778\uc740 \uc801\uc808\ud558\uace0 \uacf5\uc815\ud558\uac8c \ud6a8\uc728\uc801\uc73c\ub85c \uc740\ud589 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud560 \uc218 \uc788\ub294 \uc9c0\uc2dd\uacfc \uacbd\ud5d8\uc744 \uac16\ucd94\uace0 \uc0ac\ud68c\uc801 \uc2e0\ub8b0\uac00 \ucda9\ubd84\ud574\uc57c \ud55c\ub2e4.<\/p>\n<p>\uc774\uc5d0 \ub354\ud558\uc5ec, \uc740\ud589\ubc95\uacfc \uadf8 \uc2dc\ud589\ub839\uc5d0 \ub530\ub77c \uc740\ud589\uc740 \ucd5c\uc18c 20\uc5b5 \uc5d4(1,340\ub9cc \ub2ec\ub7ec)\uc758 \ud45c\uc2dc \uc790\ubcf8\uae08\uc744 \ubcf4\uc720\ud558\uace0 \uc788\uc5b4\uc57c \ud55c\ub2e4.<\/p>\n<p>\uc0c1\uae30 \uae30\uc900 (2)\uc5d0\uc11c \ub9d0\ud558\ub294 &#8220;\uc801\uc808\ud558\uace0 \uacf5\uc815\ud558\uac8c \ud6a8\uc728\uc801\uc73c\ub85c \uc740\ud589 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud560 \uc218 \uc788\ub294 \uc9c0\uc2dd\uacfc \uacbd\ud5d8&#8221;\uc774\ub780 \uc740\ud589\ubc95\uacfc \uae30\ud0c0 \uad00\ub828 \uaddc\uc815 \ubc0f \uac10\ub3c5 \uc9c0\uce68\uc5d0 \uba85\uc2dc\ub41c \uc740\ud589 \uc11c\ube44\uc2a4\uc758 \ubaa9\uc801\uc744 \uc774\ud574\ud558\uace0 \uc2e4\ud589\ud558\uae30\uc5d0 \ucda9\ubd84\ud55c \uc9c0\uc2dd\uacfc \uacbd\ud5d8, \uc740\ud589 \uc11c\ube44\uc2a4\uc758 \uac74\uc804\ud558\uace0 \uc801\uc808\ud55c \uad00\ub9ac\uc5d0 \ud544\uc694\ud55c \ucda9\ubd84\ud55c \uaddc\uc815 \uc900\uc218 \ubc0f \ub9ac\uc2a4\ud06c \uad00\ub9ac \uc9c0\uc2dd\uacfc \uacbd\ud5d8\uc744 \uc758\ubbf8\ud55c\ub2e4\ub294 \uc810\uc5d0 \uc720\uc758\ud574\uc57c \ud55c\ub2e4.<\/p>\n<p>\ub610\ud55c, \uae08\uc735\uccad(\uf90a\u878d\u5ef3)\uc5d0\uc11c \ubc1c\ud45c\ud55c \uac10\ub3c5 \uc9c0\uce68\uc5d0\ub294 \uc720\uc778(\u6709\u4eba) \uc601\uc5c5\uc810\uc774 \uc5c6\uace0 \uc778\ud130\ub137 \uac70\ub798\uc640 \uac19\uc740 \ube44\ub300\uba74 \uac70\ub798\ub97c \uc804\ubb38\uc73c\ub85c \ud558\ub294 \uc740\ud589\uc5d0 \ub300\ud55c \uc778\uac00 \uc2ec\uc0ac\uc758 \uc8fc\uc694 \uac10\ub3c5 \ubaa9\ud45c\uac00 \uae30\uc220\ub418\uc5b4 \uc788\ub2e4.<\/p>\n<figure id=\"attachment_478367\" aria-describedby=\"caption-attachment-478367\" style=\"width: 200px\" class=\"wp-caption alignright\"><img class=\"size-full wp-image-478370\" src=\"https:\/\/law.asia\/wp-content\/uploads\/2024\/04\/Shun-Komiya.jpg\" alt=\"Shun Komiya\" width=\"200\" height=\"250\" \/><figcaption id=\"caption-attachment-478367\" class=\"wp-caption-text\"><strong>Shun Komiya<\/strong><br \/>\uc18c\uc18d \ubcc0\ud638\uc0ac<br \/>Tokyo \uc18c\uc7ac Chuo Sogo Law Office<br \/>\uc804\ud654: +81 3 3539 1877<br \/>\uc774\uba54\uc77c: <a href=\"mailto:komiya_s@clo.gr.jp\">komiya_s@clo.gr.jp<\/a><\/figcaption><\/figure>\n<p>\uc774 \uc9c0\uce68\uc5d0 \ub530\ub974\uba74, \uc778\uac00 \uc2ec\uc0ac \uc2dc \ud655\uc778\ud574\uc57c \ud560 \uc0ac\ud56d\uc740 \ub2e4\uc74c\uacfc \uac19\ub2e4.<\/p>\n<p>(1) \uc720\uc778 \uc601\uc5c5\uc810\uc774 \uc5c6\ub354\ub77c\ub3c4, \uc740\ud589\uc774 \uace0\uac1d\uc758 \ubd88\ub9cc \ubc0f \uc0c1\ub2f4\uc744 \uc801\uc808\ud788 \ucc98\ub9ac\ud558\uace0, \uc2dc\uc2a4\ud15c \uc911\ub2e8 \uc2dc \uace0\uac1d\uc5d0 \ub300\ud55c \ub300\uc751, \uad00\ub828 \ubc95\uacfc \ubc0f \uaddc\uc815\uc5d0 \uae30\ubc18\ud558\ub294 \uace0\uac1d\uc5d0 \ub300\ud55c \ucc45\uc784 \uc0ac\ud56d \uc774\ud589, \uacf5\uc2dc \ubc0f \uac70\ub798 \uc2dc \ud655\uc778 \uc758\ubb34, \uc790\uae08 \uc138\ud0c1\uc744<\/p>\n<p>\ud3ec\ud568\ud558\ub294 \uc870\uc9c1 \ubc94\uc8c4 \ub300\uc751\uc5d0 \ud544\uc694\ud55c \uc758\uc2ec\uc2a4\ub7ec\uc6b4 \uac70\ub798 \ubcf4\uace0, \uac70\ub798 \uc2dc \ud655\uc778 \uc758\ubb34\ub97c \uc774\ud589\ud560 \uc218 \uc788\ub294 \uc2dc\uc2a4\ud15c\uc744 \uac16\ucd94\uace0 \uc788\ub294\uc9c0 \uc5ec\ubd80<\/p>\n<p>(2) \uc608\uc0c1 \uc218\uc785 \ubc0f \uc9c0\ucd9c\uacfc \uad00\ub828\ud558\uc5ec, \uc740\ud589\uc774 \uacbd\uc7c1\uc0ac \uc9c4\uc785, \uc2dc\uc2a4\ud15c \ub178\ud6c4\ud654 \ub4f1 \uc0ac\uc5c5 \ud658\uacbd \uc545\ud654\uc5d0 \ub300\ube44\ud55c \uba85\ud655\ud55c \ube44\uc0c1 \uacc4\ud68d\uc744 \uac00\uc9c0\uace0 \uc788\ub294\uc9c0 \uc5ec\ubd80 \ubc0f \ud574\ub2f9 \uacc4\ud68d\uc5d0\uc11c \uc77c\uc815 \uc218\uc900\uc758 \uc218\uc785\uc744 \uc608\uc0c1\ud558\uace0 \uc788\ub294\uc9c0 \uc5ec\ubd80<\/p>\n<p>(3) \uc740\ud589\uc774 \uae08\ub9ac \ub610\ub294 \uae30\ud0c0 \uc870\uac74\uc5d0 \ubbfc\uac10\ud55c \uace0\uac1d\uce35\uc740 \ubb3c\ub860 \ucde8\uc18c\uc640 \ubcc0\uacbd\uc774 \uc27d\uac8c \uc774\ub8e8\uc5b4\uc9c0\ub294 \uac70\ub798\ub97c \uace0\ub824\ud558\uc5ec \uc77c\uc2dc\uc801\uc73c\ub85c\/\ub300\uaddc\ubaa8\ub85c \uace0\uac1d \uc774\ud0c8\uc774 \ubc1c\uc0dd\ud560 \uacbd\uc6b0 \uc720\ub3d9\uc131\uc744 \ubcf4\uc7a5\ud560 \uc218 \uc788\ub294 \ud655\uc2e4\ud55c \uc870\uce58\ub97c \ucde8\ud560 \uc218 \uc788\ub294\uc9c0 \uc5ec\ubd80<\/p>\n<p>(4) \uc740\ud589 \uc2dc\uc2a4\ud15c\uc758 \ubcf4\uc548 \uc218\uc900\uc774 \ub9cc\uc871\uc2a4\ub7ec\uc6b4\uc9c0, \uc2dc\uc2a4\ud15c \uc6b4\uc601(\uc678\uc8fc\uc5c5\uccb4 \uad00\ub9ac \ud3ec\ud568)\uc5d0 \ud544\uc694\ud55c \ubcf4\uc548 \uad00\ub9ac \uccb4\uacc4 \ubc0f \uc7a5\uc560 \ubc1c\uc0dd\uc5d0 \ub300\ube44\ud55c \uc704\uae30 \uad00\ub9ac \uccb4\uacc4\ub97c \uc801\uc808\ud788 \uad6c\ucd95\ud588\ub294\uc9c0 \uc5ec\ubd80(\uc774\uc5d0 \ub300\ud574\uc11c\ub294 \uc678\ubd80 \uae30\uad00\uc758 \ud3c9\uac00\uc11c \uc81c\ucd9c\uc774 \ud544\uc694\ud558\ub2e4)<\/p>\n<h3><span style=\"color: #32849b;\"><strong>\ud575\uc2ec \ubb38\uc81c<\/strong><\/span><\/h3>\n<p>\ub514\uc9c0\ud138 \ubc45\ud06c\ub294 \ube44\uc815\uc0c1\uc801\uc778 \uac70\ub798 \ud328\ud134\uc744 \ud655\uc778\ud560 \uc218 \uc5c6\ub294 \ub4f1 \ub0b4\uc7ac\ub41c \uc704\ud5d8\uc5d0 \ub354\ud558\uc5ec \uc628\ub77c\uc778\uc73c\ub85c \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\uae30 \ub54c\ubb38\uc5d0 \uc740\ud589 \ub610\ud55c \uc0ac\uc6a9\uc790 \ubcf4\ud638 \uce21\uba74\uc5d0\uc11c \uc815\ubcf4 \ubcf4\uc548 \uc870\uce58\ub97c \ucde8\ud574\uc57c \ud55c\ub2e4.<\/p>\n<p>\uae08\uc735\uccad\uc5d0\uc11c \ubc1c\ud45c\ud55c \uac10\ub3c5 \uc9c0\uce68\uc5d0\ub294 \uc778\ud130\ub137 \ubc45\ud0b9 \uc778\uac00 \uc2ec\uc0ac \uc2dc \uc720\uc758\ud574\uc57c \ud560 \uc0ac\ud56d\uc774 \uad6c\uccb4\uc801\uc73c\ub85c \uc124\uba85\ub418\uc5b4 \uc788\ub2e4. \ud574\ub2f9 \uc9c0\uce68\uc5d0 \ub530\ub974\uba74, \ubc94\uc8c4\ud589\uc704\uc5d0 \ub300\ucc98\ud558\uae30 \uc704\ud55c \ub0b4\ubd80\ud1b5\uc81c \ud658\uacbd \uad6c\ucd95\uacfc \uad00\ub828\ud558\uc5ec \ucd5c\uc6b0\uc120 \uacbd\uc601 \uc0ac\uc548\uc5d0 \ud574\ub2f9 \uc870\uce58\ub97c \ubc30\uce58\ud558\uace0, \ubcf4\uc548 \uc218\uc900 \ud5a5\uc0c1\uc744 \uc704\ud574 \uc774\uc0ac\ud68c\uc5d0\uc11c \ud544\uc694\ud55c \uac80\ud1a0\ub97c \uc2e4\uc2dc\ud558\uba70, \uc778\ud130\ub137 \ubc45\ud0b9 \uc11c\ube44\uc2a4 \uc774\uc6a9 \uc2dc \uc720\uc758\uc0ac\ud56d\uc744 \uace0\uac1d\uc5d0\uac8c \uc124\uba85\ud558\ub294 \ud1b5\uc81c \ud658\uacbd\uc744 \uac1c\ubc1c\ud558\uace0, \uac01 \ubd80\uc11c\uac00 \ud604\ud669 \uc815\ubcf4\ub97c \uacf5\uc720\ud558\uace0 \uc778\ud130\ub137 \ubc45\ud0b9\uc758 \uac74\uc804\ud558\uace0 \uc801\uc808\ud55c \uc6b4\uc601\uc744 \uc704\ud574 \uc740\ud589 \uc804\uccb4\uac00 \ubb38\uc81c\ub97c \ud574\uacb0\ud558\ub294 \ud658\uacbd\uc744 \uad6c\ucd95\ud558\ub3c4\ub85d \uc694\uad6c\ud558\uace0 \uc788\ub2e4.<\/p>\n<p>\ub610\ud55c \uc704\ud5d8 \ubd84\uc11d \uc218\ud589, \uacc4\ud68d \uc218\ub9bd, \ubcf4\uc548 \uc870\uce58 \uc2e4\ud589, \ud3c9\uac00 \ubc0f \uac80\ud1a0 \ub4f1 PDCA \uc0ac\uc774\ud074\uc774 \uc815\uc0c1\uc801\uc73c\ub85c \uc791\ub3d9\ud558\ub3c4\ub85d \ud574\uc57c \ud55c\ub2e4. \ubfd0\ub9cc \uc544\ub2c8\ub77c, \ubcf4\uc548 \ud655\ubcf4\ub97c \uc704\ud574 \uc740\ud589\uc740 \uc0ac\uc774\ubc84 \ubcf4\uc548 \uc5f0\uad6c \uadf8\ub8f9(Study Group on Cyber Security)\uc5d0\uc11c \ub17c\uc758\ub41c \ub0b4\uc6a9\uc744 \ubc14\ud0d5\uc73c\ub85c IT \uc2dc\uc2a4\ud15c \uad6c\ucd95 \uc2dc\uc810\uacfc \uc0ac\uc6a9 \ub2e8\uacc4\ubcc4\ub85c \ubc1c\uc0dd\ud558\ub294 \uc704\ud5d8\uc744 \ud30c\uc545\ud558\uba74\uc11c \uace0\uac1d\uacfc \uc5c5\ubb34 \ud2b9\uc131\uc5d0 \ub9de\ub294 \uc870\uce58\ub97c \ucde8\ud574\uc57c \ud55c\ub2e4.<\/p>\n<p>\ub610\ud55c \uac10\ub3c5 \uc9c0\uce68\uc5d0\uc11c\ub294 \uc740\ud589\uc774 \uc989\ud765\uc801\uc778 \ubc29\uc2dd\uc73c\ub85c \uac1c\ubcc4 \uc870\uce58\ub97c \ucde8\ud558\uae30\ubcf4\ub2e4\ub294 \uc5ec\ub7ec \uac00\uc9c0 \ud6a8\uacfc\uc801\uc778 \uc870\uce58\ub97c \uacb0\ud569\ud558\uc5ec \uc804\uccb4\uc801\uc778 \ubcf4\uc548 \uac1c\uc120\uc744 \ubaa9\ud45c\ub85c \uc0bc\uace0, \uc704\ud5d8\uc758 \uc874\uc7ac\ub97c \ucda9\ubd84\ud788 \uc778\uc9c0\ud55c \ud6c4 \uc2e0\uc18d\ud55c \ub300\uc751\uc758 \ud544\uc694\uc131\uacfc \uc870\uce58\uc5d0 \ub300\ud574 \uacb0\uc815\ud558\uace0 \ud1b5\uc81c \ud658\uacbd\uc744 \uac1c\ubc1c\ud558\uc5ec \uac01\uc885 \ubc94\uc8c4\uc5d0 \ub300\ube44\ud558\ub294 \uac80\uc99d\ub41c \ubcf4\uc548 \ud504\ub85c\uadf8\ub7a8\uc744 \ub9c8\ub828\ud558\uace0 \ud544\uc694\uc5d0 \ub530\ub77c \uc774\ub97c \uc218\uc815\ud560 \uc218 \uc788\ub3c4\ub85d \uc694\uad6c\ud55c\ub2e4.<\/p>\n<h3><span style=\"color: #32849b;\"><strong>\ud540\ud14c\ud06c\uc640 \uc2a4\ud14c\uc774\ube14 \ucf54\uc778<\/strong><\/span><\/h3>\n<p>(1) \uc1a1\uae08 \ubc0f \uacb0\uc81c. 2010\ub144\uc5d0 \uacb0\uc81c \uc11c\ube44\uc2a4\ubc95\uc774 \uc81c\uc815\ub418\uba74\uc11c \uc790\uae08 \uc774\uccb4 \uc11c\ube44\uc2a4 \uc778\uac00 \uc2dc\uc2a4\ud15c\uc774 \ub3c4\uc785\ub418\uc5b4 \uc740\ud589\uc5c5 \uc778\uac00 \uc5c6\uc774\ub3c4 \uac70\ub798\ub2f9 \ucd5c\ub300 100\ub9cc \uc5d4\uc758 \uc790\uae08\uc744 \uc774\uccb4\ud560 \uc218 \uc788\uac8c \ub418\uc5c8\ub2e4. \uc790\uae08 \uc774\uccb4\ubcf4\ub2e4 \uacb0\uc81c \uae30\ub2a5\uc5d0 \ucd08\uc810\uc744 \ub9de\ucd98 \uc120\ubd88 \uacb0\uc81c \uc218\ub2e8 \ub610\ud55c \ubc1c\ud589\uc0ac \uc2dc\uc2a4\ud15c\uc5d0 \ub3c4\uc785\ub418\uc5c8\ub2e4.<\/p>\n<p>\ub2f9\uc2dc\uc5d0\ub294 \uc804\uc790\uc801\uc73c\ub85c \ubc1c\ud589\ub41c \uc120\ubd88 \uacb0\uc81c \uc218\ub2e8\uc774 \uc77c\ubc18\uc801\uc774\uc9c0 \uc54a\uc558\uc9c0\ub9cc, \ucd5c\uadfc\uc5d0\ub294 \ud658\ubd88\uc774 \ubd88\uac00\ub2a5\ud55c \uc804\uc790 \ud654\ud3d0\ub85c \ub110\ub9ac \uc778\uc2dd\ub418\uace0 \uc788\ub2e4. \uc774\ud6c4, 2021\ub144\uc5d0 \uc81c\uc815\ub41c \uacb0\uc81c \uc11c\ube44\uc2a4\ubc95 \uac1c\uc815\uc548\uc5d0 \ub530\ub77c 100\ub9cc \uc5d4 \uc774\uc0c1\uc758 \uac70\ub798, 5\ub9cc \uc5d4 \uc774\uc0c1 100\ub9cc \uc5d4 \ubbf8\ub9cc\uc758 \uac70\ub798, 5\ub9cc \uc5d4 \ubbf8\ub9cc\uc758 \uac70\ub798 \ub4f1 \uc138 \uac00\uc9c0 \uc720\ud615\uc758 \uc790\uae08 \uc774\uccb4\uc5d0 \ub300\ud55c \uc778\uac00 \uccb4\uacc4\uac00 \ub3c4\uc785\ub418\uc5c8\ub2e4.<\/p>\n<p>\uc5ec\uae30\uc5d0\ub294 \uc5c4\uaca9\ud55c \uaddc\uc81c\uac00 \uc218\ubc18\ub418\uc5c8\ub294\ub370, \uc1a1\uae08 \ud55c\ub3c4\uac00 \uc5c6\ub294 1\uc885(\u7a2e) \uc790\uae08 \uc774\uccb4 \uc11c\ube44\uc2a4\ub294 \ub4f1\ub85d\ubfd0\ub9cc \uc544\ub2c8\ub77c \ud5c8\uac00\ub3c4 \ubc1b\uc544\uc57c \ud55c\ub2e4.<\/p>\n<p>(2) \uc2a4\ud14c\uc774\ube14\ucf54\uc778(Stablecoin). 2017\ub144\uc5d0 \uc81c\uc815\ub41c \uc77c\ubcf8\uc758 \uacb0\uc81c \uc11c\ube44\uc2a4\ubc95 \uac1c\uc815\uc548\uc740 \uc554\ud638\ud654\ud3d0 \uac70\ub798\uc18c \uc11c\ube44\uc2a4\uc5d0 \ub300\ud55c \ub4f1\ub85d\uc81c\ub97c \ub3c4\uc785\ud588\ub2e4. \uadf8\ub7ec\ub098, \uc774\ud6c4 \ucd9c\uc2dc\ub41c \uc2a4\ud14c\uc774\ube14\ucf54\uc778\uc5d0 \ub300\ud55c \uaddc\uc81c \ucc98\ub9ac\uac00 \ubd88\uba85\ud655\ud55c \uc0c1\ud669\uc5d0\uc11c \uc77c\ubcf8\uc740 \uc138\uacc4 \ucd5c\ucd08\ub85c \uc2a4\ud14c\uc774\ube14\ucf54\uc778\uc5d0 \ub300\ud55c \uaddc\uc81c\ub97c \ub3c4\uc785\ud558\uc5ec \uae08\uc735 \uaddc\uc81c\uc5d0 \ub300\ud55c \uc785\uc7a5\uc744 \uba85\ud655\ud788 \ud588\ub2e4. \uc774\ub7ec\ud55c \uaddc\uc81c\ub294 \uc77c\ubcf8 \ub0b4 \uc774\uc6a9\uc790 \ubcf4\ud638\uc5d0 \uae30\uc5ec\ud560 \ubfd0\ub9cc \uc544\ub2c8\ub77c \ube14\ub85d\uccb4\uc778\uc744 \ud65c\uc6a9\ud558\ub294 \ud601\uc2e0\uc801\uc778 \uae08\uc735 \uc11c\ube44\uc2a4 \ud65c\uc131\ud654\uc5d0\ub3c4 \uae30\uc5ec\ud560 \uac83\uc73c\ub85c \uae30\ub300\ub41c\ub2e4.<\/p>\n<p>2024\ub144 3\uc6d4 18\uc77c \ud604\uc7ac, \uc804\uc790\uacb0\uc81c\uc218\ub2e8 \uc0ac\uc5c5\uc790\ub85c \ub4f1\ub85d\ud558\uc5ec \uc804\uc790\uacb0\uc81c\uc218\ub2e8, \uc989 \uc2a4\ud14c\uc774\ube14\ucf54\uc778\uc758 \ub9e4\ub9e4\ub97c \uc218\ud589\ud558\ub294 \uc0ac\uc5c5\uc790\ub294 \uc544\uc9c1 \uc5c6\ub2e4. \uadf8\ub7ec\ub098 2024\ub144 \ub9d0\uae4c\uc9c0 \uba87\uba87 \uc0ac\uc5c5\uc790\uac00 \uc778\uac00\ub97c \ubc1b\uc544 \uc77c\ubcf8\uc5d0\uc11c \uc2a4\ud14c\uc774\ube14\ucf54\uc778 \uc720\ud1b5\uc744 \uc2dc\uc791\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub41c\ub2e4.<\/p>\n<p>(3) \uae08\uc735 \uc11c\ube44\uc2a4 \uc911\uac1c\uc5c5. 2021\ub144\uc5d0 \uc81c\uc815\ub41c \uae08\uc735 \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5d0 \uad00\ud55c \ubc95\uc740 \ub2e8 1\ud68c \ub4f1\ub85d\uc744 \ud1b5\ud574 \uc740\ud589, \uc99d\uad8c, \ubcf4\ud5d8, \ub300\ubd80\uc5c5 \ub4f1 \ubaa8\ub4e0 \uc601\uc5ed\uc5d0\uc11c \uc911\uac1c\uc5c5 \uc6b4\uc601\uc774 \uac00\ub2a5\ud55c \uae08\uc735 \uc11c\ube44\uc2a4 \uc911\uac1c\uc5c5\uc744 \uc2e0\uc124\ud588\ub294\ub370, \uc774\ub294 \uc0ac\uc6a9\uc790\uac00 \ud558\ub098\uc758 \uc571\uc744 \ud1b5\ud574 \ub2e4\uc591\ud55c \uae08\uc735 \uc11c\ube44\uc2a4\ub97c \uc774\uc6a9\ud560 \uc218 \uc788\ub294 \uc0ac\uc5c5\uc744 \uac1c\ubc1c\ud558\ub294 \ud540\ud14c\ud06c \uae30\uc5c5\uacfc \uae08\uc735\uc5c5\uc5d0 \uc9c4\ucd9c\ud558\ub824\ub294 \ube44\uae08\uc735 \uae30\uc5c5\uc774 \uc8fc\ub85c \uc774\uc6a9\ud55c\ub2e4.<\/p>\n<section class=\"format-info\">\n<p style=\"text-align: justify;\"><strong><img class=\"aligncenter wp-image-478340\" src=\"https:\/\/law.asia\/wp-content\/uploads\/2024\/04\/Chuo-Sogo-Law-logo-1024x221.jpg\" alt=\"\" width=\"500\" height=\"108\" srcset=\"https:\/\/law.asia\/wp-content\/uploads\/2024\/04\/Chuo-Sogo-Law-logo-1024x221.jpg 1024w, https:\/\/law.asia\/wp-content\/uploads\/2024\/04\/Chuo-Sogo-Law-logo-300x65.jpg 300w, https:\/\/law.asia\/wp-content\/uploads\/2024\/04\/Chuo-Sogo-Law-logo-768x166.jpg 768w, https:\/\/law.asia\/wp-content\/uploads\/2024\/04\/Chuo-Sogo-Law-logo-1536x332.jpg 1536w, https:\/\/law.asia\/wp-content\/uploads\/2024\/04\/Chuo-Sogo-Law-logo-696x150.jpg 696w, https:\/\/law.asia\/wp-content\/uploads\/2024\/04\/Chuo-Sogo-Law-logo-1068x231.jpg 1068w, https:\/\/law.asia\/wp-content\/uploads\/2024\/04\/Chuo-Sogo-Law-logo-1945x420.jpg 1945w, https:\/\/law.asia\/wp-content\/uploads\/2024\/04\/Chuo-Sogo-Law-logo.jpg 2028w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>CHUO SOGO LAW OFFICE<\/strong><br \/>\nHibiya Kokusai Building 18th floor,<br \/>\n2-2-3 Uchisaiwai-cho,<br \/>\nChiyoda-ku, Tokyo 1000011, Japan<br \/>\n\uc804\ud654: +81 3 3539 1877<br \/>\n\uc774\uba54\uc77c \uc8fc\uc18c: <a href=\"mailto:info@clo.gr.jp\">info@clo.gr.jp<\/a><br \/>\n<a href=\"http:\/\/www.clo.jp\/english\">www.clo.jp\/englis<\/a><\/p>\n<\/section>\n<p style=\"text-align: right;\"><a style=\"text-decoration: none;\" href=\"#navigation\"><button style=\"width: 20%; font-size: 12px; letter-spacing: 1px; padding: 3px 3px; color: #000000; 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: #000000; font-weight: bold; text-transform: uppercase;\"><span class=\"color: #00000\">\ub9e8 \uc704\ub85c<\/span><\/span><\/button><\/a><\/p>\n<hr \/>\n<h2><span style=\"color: #32849b;\"><strong>\ub300\ud55c\ubbfc\uad6d<\/strong><\/span><\/h2>\n<p>\ud55c\uad6d\uc5d0\uc11c\ub294 \ub514\uc9c0\ud138 \ubc45\ud0b9\uc5d0 \ub300\ud55c \uc815\ud655\ud55c \ubc95\uc801 \uc815\uc758\uac00 \ubd80\uc871\ud558\ub2e4. \ub2e8\uc21c\ud788 \uc628\ub77c\uc778\uc5d0\uc11c \uc81c\uacf5\ub418\ub294 \ubc45\ud0b9 \uc11c\ube44\uc2a4\ub85c\ub9cc \ubcf8\ub2e4\uba74 \ud55c\uad6d\uc5d0\uc11c \ub514\uc9c0\ud138 \ubc45\ud0b9\uc774 \uc5b4\ub5bb\uac8c \ubc1c\uc804\ud574 \uc654\ub294\uc9c0 \uc804\uccb4\uc801\uc73c\ub85c \uc774\ud574\ud558\uae30 \uc5b4\ub835\ub2e4.<\/p>\n<p>\ucd5c\uadfc\uc5d0\ub294 \uc740\ud589 \uc11c\ube44\uc2a4\ub97c \uae30\ub2a5\ubcc4\ub85c \ubaa8\ub4c8\ud654\ud558\ub294 \ubc29\ud5a5\uc73c\ub85c \ubcc0\ud654\ud558\uba74\uc11c \uc804\ud1b5\uc801\uc778 \uc740\ud589 \uc778\uac00\uac00 \uc5c6\ub294 \ud540\ud14c\ud06c \uae30\uc5c5\ub3c4 \ub514\uc9c0\ud138 \ubc45\ud0b9\uc744 \uc774\uc6a9\ud560 \uc218 \uc788\ub2e4. \u2018\uc11c\ube44\uc2a4\ud615 \ubc45\ud0b9(BaaS)\u2019\uc73c\ub85c \uc54c\ub824\uc838 \uc788\ub294 \uc774\ub7ec\ud55c \ubcc0\ud654\ub294 \uc8fc\ub85c \uc740\ud589 \uae30\ub2a5\uc744 \ud540\ud14c\ud06c \uc560\ud50c\ub9ac\ucf00\uc774\uc158\uc5d0 \ud1b5\ud569\ud558\uc5ec \uad6c\ud604\ub41c\ub2e4.<\/p>\n<p>\uc740\ud589\uc740 \uc774\ub7ec\ud55c \ud504\ub808\uc784\uc6cc\ud06c\uc5d0 \uaf2d \ud544\uc694\ud55c \uae08\uc735 \uc778\ud504\ub77c\ub97c \uc81c\uacf5\ud558\uc9c0\ub9cc \uace0\uac1d\uacfc\uc758 \uc9c1\uc811\uc801\uc778 \uc0c1\ud638\uc791\uc6a9\uc740 \ud558\uc9c0 \uc54a\ub294\ub2e4. \uadf8 \uacb0\uacfc, \uad6d\ub0b4 \ub514\uc9c0\ud138 \ubc45\ud0b9\uc740 \uae30\uc874 \uc740\ud589\uc758 \ubc30\ud0c0\uc801 \uc601\uc5ed\uc5d0\uc11c \ud55c\uce35 \ud3ec\uc6a9\uc801\uc778 \ud658\uacbd\uc73c\ub85c \uc804\ud658\ub418\uba74\uc11c \ud540\ud14c\ud06c \uae30\uc5c5\uacfc \uac19\uc740 \uc0c8\ub85c\uc6b4 \uc9c4\uc785\uc790\ub4e4\uc744 \uae30\uaebc\uc774 \ud658\uc601\ud558\uace0 \uc788\ub2e4.<\/p>\n<h3><span style=\"color: #32849b;\"><strong>\ubc95\uc801 \uaddc\uc81c \uc2dc\uc2a4\ud15c<\/strong><\/span><\/h3>\n<p>\uc804\uc138\uacc4 \uc5ec\ub7ec \uc740\ud589\ub4e4\uacfc \ub9c8\ucc2c\uac00\uc9c0\ub85c, \ud55c\uad6d \uc740\ud589\ub4e4\uc758 \ud575\uc2ec \uc5c5\ubb34\ub294 \uc608\uae08, \ub300\ucd9c, \uad6d\ub0b4 \ubc0f \ud574\uc678 \uc678\ud658 \uac70\ub798\uc774\ub2e4. \ud55c\uad6d\uc758 \ub514\uc9c0\ud138 \ubc45\ud0b9 \uaddc\uc81c\uc5d0 \ub300\ud574 \ub2e4\uc591\ud55c \ubc29\uc2dd\uc73c\ub85c \uc124\uba85\ud560 \uc218 \uc788\uc9c0\ub9cc, \uc774\ubc88 \uae30\uc0ac\uc5d0\uc11c\ub294 \ub514\uc9c0\ud138 \ud658\uacbd\uc5d0\uc11c \uc740\ud589\uc758 \uc804\ud1b5\uc801\uc778 \uae30\ub2a5 \uc81c\uacf5\uc5d0 \uc801\uc6a9\ub418\ub294 \ubc95\uc801 \uc81c\ub3c4\uc801 \uaddc\uce59\uc5d0 \ucd08\uc810\uc744 \ub9de\ucd94\uace0\uc790 \ud55c\ub2e4.<\/p>\n<div class=\"infogram-embed\" data-id=\"50a58544-0515-4688-b521-2d64c98359be\" data-type=\"interactive\" data-title=\"Copy: Digital Banking\"><\/div>\n<p><script>!function(e,n,i,s){var d=\"InfogramEmbeds\";var o=e.getElementsByTagName(n)[0];if(window[d]&&window[d].initialized)window[d].process&&window[d].process();else if(!e.getElementById(i)){var r=e.createElement(n);r.async=1,r.id=i,r.src=s,o.parentNode.insertBefore(r,o)}}(document,\"script\",\"infogram-async\",\"https:\/\/e.infogram.com\/js\/dist\/embed-loader-min.js\");<\/script><\/p>\n<figure id=\"attachment_478371\" aria-describedby=\"caption-attachment-478371\" style=\"width: 200px\" class=\"wp-caption alignright\"><img class=\"size-full wp-image-478374\" src=\"https:\/\/law.asia\/wp-content\/uploads\/2024\/04\/Hwang-Hyun-il.jpg\" alt=\"Hwang Hyun-il\" width=\"200\" height=\"250\" \/><figcaption id=\"caption-attachment-478371\" class=\"wp-caption-text\"><strong> \ud669\ud604\uc77c<\/strong><br \/>\ud30c\ud2b8\ub108<br \/>\uc11c\uc6b8 \uc18c\uc7ac \ubc95\ubb34\ubc95\uc778 \uc138\uc885<br \/>\uc804\ud654: +82 2 316 4453<br \/>\uc774\uba54\uc77c: <a href=\"mailto:hihwang@shinkim.com\">hihwang@shinkim.com<\/a><\/figcaption><\/figure>\n<h3><span style=\"color: #32849b;\"><strong>\uc778\ud130\ub137 \uc804\uc6a9 \uc740\ud589<\/strong><\/span><\/h3>\n<p>\ud55c\uad6d\uc5d0\uc11c \ub514\uc9c0\ud138 \ubc45\ud0b9 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\ub294 \uac00\uc7a5 \ud655\uc2e4\ud55c \ubc29\ubc95\uc740 \uc778\ud130\ub137 \uc804\ubb38\uc740\ud589 \uc778\uac00\ub97c \ubc1b\ub294 \uac83\uc774\ub2e4. \uc774\ub97c \ud1b5\ud574 \uae30\uc5c5 \ub300\ucd9c\uc744 \uc81c\uc678\ud55c \uc77c\ubc18 \uc740\ud589 \uc5c5\ubb34\ub97c \uc218\ud589\ud560 \uc218 \uc788\ub2e4. \ud55c\uad6d\uc5d0\uc11c\ub294 3\uac1c\uc758 \uc0ac\uc5c5\uc790\uac00 \uc778\ud130\ub137 \uc804\ubb38\uc740\ud589 \uc778\uac00\ub97c \ubc1b\uc544 \ub514\uc9c0\ud138 \ubc45\ud0b9 \uc5c5\ubb34\ub97c \uc218\ud589\ud558\uace0 \uc788\ub2e4. \uc778\ud130\ub137 \uc804\ubb38\uc740\ud589 \uc778\uac00 \ud68d\ub4dd\uc5d0 \ud544\uc694\ud55c \ubc95\uc801 \uc694\uac74\uc740 \ub2e4\uc74c\uacfc \uac19\ub2e4.<\/p>\n<p>(1) \uc778\uac00\ub97c \ubc1b\uc73c\ub824\uba74 \uc0ac\uc5c5\uc790\ub294 \ucd5c\uc18c 250\uc5b5 \uc6d0(\ubbf8\ud654 1,860\ub9cc \ub2ec\ub7ec)\uc758 \uc790\ubcf8\uae08\uc744 \ubcf4\uc720\ud558\uace0 \uc788\uc5b4\uc57c \ud55c\ub2e4. \uc778\uac00 \uc2b9\uc778\uc744 \uc2ec\uc0ac\ud558\ub294 \ub3d9\uc548, \uae08\uc735\ub2f9\uad6d\uc740 \uc0ac\uc5c5\uc790\uac00 \uacc4\ud68d\ud558\ub294 \uc790\uae08 \uc870\ub2ec\uc774 \uc2e4\ud604 \uac00\ub2a5\ud55c\uc9c0, \ucd94\uac00 \uc790\ubcf8 \uc870\ub2ec\uc774 \uac00\ub2a5\ud55c\uc9c0 \ub4f1\uc744 \ud3c9\uac00\ud55c\ub2e4.<\/p>\n<p>(2) \uc740\ud589\uc740 \uc5c5\ubb34 \uc218\ud589\uc5d0 \uc801\ud569\ud55c \uc778\ub825, \uc5c5\ubb34 \uc2dc\uc124 \ubc0f \ucef4\ud4e8\ud130 \uc2dc\uc2a4\ud15c\uc744 \uac16\ucd94\uc5b4\uc57c \ud55c\ub2e4.<\/p>\n<p>(3) \ud2b9\ud788, \uc678\uad6d \uae08\uc735\ud68c\uc0ac \ub610\ub294 \uc774\ub4e4\uc758 \uc9c0\uc8fc\ud68c\uc0ac\uac00 \uc778\ud130\ub137 \uc804\ubb38\uc740\ud589 \uc778\uac00\ub97c \uc2e0\uccad\ud558\ub294 \uacbd\uc6b0\uc5d0\ub294 \ud574\ub2f9 \uad6d\uac00 \uaddc\uc81c \ub2f9\uad6d\uc758 \uc801\ubc95\ud55c \ub3d9\uc758\uac00 \ud544\uc694\ud558\ub2e4. \uc7ac\ubb34 \ubc0f \uacbd\uc601 \uc0c1\ud0dc\uac00 \uac74\uc804\ud558\uace0 \uad6d\uc81c\uc801\uc73c\ub85c \uc778\uc815\ubc1b\ub294 \uacf5\uc2e0\ub825\uc774 \uc788\uc5b4\uc57c \ud55c\ub2e4. \uc740\ud589\uc5c5\uc758 \uacbd\uc601 \ubc0f \uc601\uc5c5 \ud65c\ub3d9\uc5d0 \ub300\ud55c \ucda9\ubd84\ud55c \uc815\ubcf4\ub97c \ud55c\uad6d \uae08\uc735\uac10\ub3c5 \ub2f9\uad6d\uc5d0 \uc81c\uacf5\ud574\uc57c \ud55c\ub2e4.<\/p>\n<p>(4) \uc0c1\uae30 \uc870\uac74\uc744 \ubaa8\ub450 \ucda9\uc871\ud558\ub354\ub77c\ub3c4 \ud55c\uad6d \uae08\uc735\ub2f9\uad6d\uc740 \uc2b9\uc778 \uc2dc\uc810\uc5d0 \u201c\uc99d\uc790 \uacc4\ud68d\uc758 \uc131\uc2e4\ud55c \uc774\ud589\u201d \ub4f1 \ucd94\uac00\uc801\uc778 \uc870\uac74\uc744 \ubd80\uacfc\ud560 \uc218 \uc788\ub2e4.<\/p>\n<p>\uc778\ud130\ub137 \uc804\ubb38\uc740\ud589 \uc778\uac00 \ud68d\ub4dd\uc740 \ud55c\uad6d\uc5d0\uc11c \ub514\uc9c0\ud138 \ubc45\ud0b9 \uc0ac\uc5c5\uc5d0 \ucc38\uc5ec\ud560 \uc218 \uc788\ub294 \uac00\uc7a5 \uc9c1\uc811\uc801\uc774\uace0 \ud655\uc2e4\ud55c \ubc29\ubc95\uc774\ub2e4. \uadf8\ub7ec\ub098 \uae4c\ub2e4\ub85c\uc6b4 \uc9c4\uc785 \uaddc\uc81c \uc0ac\ud56d\uc744 \uc900\uc218\ud558\uace0 \uae08\uc735 \uac10\ub3c5 \ub2f9\uad6d\uc758 \uba74\ubc00\ud55c \uc2ec\uc0ac\ub97c \ud1b5\uacfc\ud574\uc57c \ud55c\ub2e4. \uc2b9\uc778\uc744 \ubc1b\uae30 \uc704\ud574\uc11c\ub294 \uae08\uc735 \uac10\ub3c5 \ub2f9\uad6d\uacfc\uc758 \uae34\ubc00\ud55c \uc18c\ud1b5 \ubc0f \uad00\ub828 \ubc95\uacfc \ubc0f \uaddc\uc81c \ubb38\uc81c\uc5d0 \ub300\ud55c \ucca0\uc800\ud55c \uc0ac\uc804 \uac80\ud1a0\uac00 \ud544\uc694\ud558\uae30 \ub54c\ubb38\uc5d0 \uc0ac\uc2e4\uc0c1 \uc804\ubb38\uac00\uc758 \ub3c4\uc6c0\uc774 \ubc18\ub4dc\uc2dc \ud544\uc694\ud558\ub2e4.<\/p>\n<figure id=\"attachment_478376\" aria-describedby=\"caption-attachment-478376\" style=\"width: 200px\" class=\"wp-caption alignright\"><img class=\"size-full wp-image-478379\" src=\"https:\/\/law.asia\/wp-content\/uploads\/2024\/04\/Heo-Junbeom.jpg\" alt=\"Heo Junbeom\" width=\"200\" height=\"250\" \/><figcaption id=\"caption-attachment-478376\" class=\"wp-caption-text\"><strong> \ud5c8\uc900\ubc94<\/strong><br \/>\ubcc0\ud638\uc0ac<br \/>\uc11c\uc6b8 \uc18c\uc7ac \ubc95\ubb34\ubc95\uc778 \uc138\uc885 \uc18c\uc18d<br \/>\uc804\ud654: +82 2 316 4351<br \/>\uc774\uba54\uc77c: <a href=\"mailto:jbheo@shinkim.com\">jbheo@shinkim.com<\/a><\/figcaption><\/figure>\n<h3><span style=\"color: #32849b;\"><strong>\uc1a1\uae08 \ubc0f \uacb0\uc81c<\/strong><\/span><\/h3>\n<p>\u201c\uac04\ud3b8 \uc1a1\uae08\u201d \uc11c\ube44\uc2a4\uac00 \ub4f1\uc7a5\ud558\uba74\uc11c, \uc740\ud589\uc758 \uc804\uc720\ubb3c\uc774\uc5c8\ub358 \uad6d\ub0b4 \uc678\ud658 \uac70\ub798 \uc601\uc5ed\uc740 \ud540\ud14c\ud06c \uae30\uc5c5\ub4e4\uc774 \uc55e\ub2e4\ud22c\uc5b4 \uc9c4\uc785\ud558\ub294 \uacbd\uc7c1 \uc2dc\uc7a5\uc73c\ub85c \ubcc0\ubaa8\ud588\ub2e4. \uc804\uc790\uae08\uc735\uac70\ub798\ubc95\uc5d0\uc11c \uc815\uc758\ud55c \u201c\uc120\ubd88\uc804\uc790\uc9c0\uae09\uc218\ub2e8\u201d\uc744 \ud65c\uc6a9\ud558\ub294 \uc774\ub7ec\ud55c \uc11c\ube44\uc2a4\uc758 \ub3c4\uc785\uacfc \uc624\ud508\ubc45\ud0b9\uc758 \uc2dc\ud589\uc73c\ub85c \uad6d\ub0b4 \uc678\ud658 \uac70\ub798\ub294 \uc740\ud589\uc758 \ub3c5\uc810 \uc2dc\uc7a5\uc5d0\uc11c \uacbd\uc7c1 \uc2dc\uc7a5\uc73c\ub85c \uc804\ud658\ub418\uc5c8\ub2e4.<\/p>\n<p>\ub610\ud55c, \ucd5c\uadfc \uc678\uad6d\ud658\uac70\ub798\ubc95\uc5d0 \uc758\uac70\ud558\ub294 \uc18c\uc561 \ud574\uc678 \uc1a1\uae08 \ubd80\ubb38\uc5d0 \ub300\ud55c \uc778\uac00\uac00 \uc2e0\uc124\ub418\uba74\uc11c \ud574\uc678 \uc1a1\uae08 \ubd84\uc57c\uc5d0 \uc9c4\ucd9c\ud558\ub294 \ud540\ud14c\ud06c \uae30\uc5c5\uc774 \ud06c\uac8c \ub298\uc5c8\ub2e4. \uc1a1\uae08 \ubc0f \uacb0\uc81c\uc640 \uad00\ub828\ud55c \uaddc\uc81c \uc9c4\uc785 \uc694\uac74\uc5d0 \ub300\ud574 \uac04\ub7b5\ud558\uac8c \uc0b4\ud3b4\ubcf4\uba74 \ub2e4\uc74c\uacfc \uac19\ub2e4.<\/p>\n<p>(1) \uc120\ubd88\uc804\uc790\uc9c0\uae09\uc218\ub2e8\uc758 \ubc1c\ud589 \ubc0f \uad00\ub9ac\uc640 \uacb0\uc81c\ub300\ud589\uc740 \uae08\uc735\uc704\uc6d0\ud68c(FSC)\uc5d0 \ub4f1\ub85d\ud574\uc57c \ud55c\ub2e4.<\/p>\n<p>(2) \uc120\ubd88\uc804\uc790\uc9c0\uae09\uc218\ub2e8 \ubc1c\ud589 \ubc0f \uad00\ub9ac\uc758 \uacbd\uc6b0\uc5d0\ub294 20\uc5b5 \uc6d0, \uacb0\uc81c\ub300\ud589\uc758 \uacbd\uc6b0\uc5d0\ub294 10\uc5b5 \uc6d0\uc758 \ucd5c\uc18c \uc790\ubcf8\uae08\uc774 \ud544\uc694\ud558\ub2e4.<\/p>\n<p>(3) \uc2e0\uccad\uc790\ub294 \ubd80\ucc44 \ube44\uc728 \ub4f1 \uad6c\uccb4\uc801\uc778 \uc7ac\ubb34\uac74\uc804\uc131 \uae30\uc900\uc744 \ucda9\uc871\ud558\uace0 \uc804\uc790\uae08\uc735\uc5c5\uc744 \uc218\ud589\ud560 \uc218 \uc788\ub294 \ucda9\ubd84\ud55c \uc804\ubb38\uc131\uacfc \ubb3c\ub9ac\uc801 \uc2dc\uc124\uc744 \uac16\ucd94\uace0 \uc788\uc5b4\uc57c \ud55c\ub2e4.<\/p>\n<p>(4) \ud574\uc678 \uc1a1\uae08\uc5d0 \ud544\uc694\ud55c \uc18c\uc561 \ud574\uc678 \uc1a1\uae08\uc5c5 \uc778\uac00\ub294 \uae08\uc735\uc704\uc6d0\ud68c\uac00 \uc544\ub2cc \uae30\ud68d\uc7ac\uc815\ubd80\uc5d0 \ub4f1\ub85d\ud574\uc57c \ud55c\ub2e4. \uc18c\uc561 \ud574\uc678 \uc1a1\uae08 \uc0ac\uc5c5 \uc6b4\uc601\uc5d0 \ud544\uc694\ud55c \ucd5c\uc18c \uc790\ubcf8\uae08\uc740 10\uc5b5 \uc6d0\uc774\uace0, \uc911\uc559\uc678\ud658\uc815\ubcf4\uc2dc\uc2a4\ud15c\uc5d0 \uc5f0\uacb0\ud574\uc57c \ud55c\ub2e4.<\/p>\n<p>(5) \ub9c8\ucc2c\uac00\uc9c0\ub85c, \ud574\uc678 \uacb0\uc81c \ub300\ud589 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\ub824\uba74 \uae30\ud68d\uc7ac\uc815\ubd80\uc5d0 \uc678\uad6d\ud658\uc5c5 \ub4f1\ub85d\uc744 \ud574\uc57c \ud55c\ub2e4. \ud574\uc678 \uacb0\uc81c \ub300\ud589 \uc11c\ube44\uc2a4\uc5d0 \ud544\uc694\ud55c \uc678\uad6d\ud658\uc5c5 \ub4f1\ub85d \uc790\uaca9\uc740 \uc804\uc790\uae08\uc735\uac70\ub798\ubc95\uc5d0 \uc758\uac70\ud55c \uacb0\uc81c \ub300\ud589 \uc778\uac00\ub97c \ubc1b\uc740 \uc790\ub85c \uc81c\ud55c\ub41c\ub2e4\ub294 \uc810\uc5d0 \uc720\uc758\ud574\uc57c \ud55c\ub2e4.<\/p>\n<p>(6) \ucd5c\uadfc \uad6d\ub0b4 \uc804\uc790\uae08\uc735\uac70\ub798\ubc95 \uac1c\uc815\uc73c\ub85c \u201c\uc9c0\uae08 \uad6c\ub9e4\ud558\uace0 \ub098\uc911\uc5d0 \uacb0\uc81c\ud558\ub294(Buy Now, Pay Later; BNPL)\u201d \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud560 \uc218 \uc788\ub294 \ubc95\uc801 \uae30\ubc18\uc774 \ub9c8\ub828\ub418\uc5c8\ub2e4.<\/p>\n<h3><span style=\"color: #32849b;\"><strong>\uc608\uae08<\/strong><\/span><\/h3>\n<p>\uc608\uae08 \uc218\uc2e0 \uc5c5\ubb34\ub294 \uc5ec\uc804\ud788 \uc740\ud589\uc758 \uace0\uc720 \uc601\uc5ed\uc774\ub2e4. \ub530\ub77c\uc11c, \uc55e\uc11c \uc124\uba85\ud55c \uac83\ucc98\ub7fc \uc778\ud130\ub137 \uc804\ubb38\uc740\ud589 \uc778\uac00\ub97c \ubc1b\uc9c0 \uc54a\uc73c\uba74 \uc608\uae08 \uc0c1\ud488\uc744 \uc9c1\uc811 \ucde8\uae09\ud560 \uc218 \uc788\ub294 \ubc29\ubc95\uc774 \uc5c6\ub2e4. \ud558\uc9c0\ub9cc \ucd5c\uadfc \uae08\uc735\uc704\uc6d0\ud68c\ub294 \uc628\ub77c\uc778 \uc608\uae08 \uc0c1\ud488 \uc911\uac1c \uc11c\ube44\uc2a4\uc758 \uc2dc\ubc94 \uc6b4\uc601\uc744 \ubc1c\ud45c\ud558\uba74\uc11c \ucc38\uc5ec \uc5c5\uccb4\ub97c \uc120\uc815\ud588\ub2e4.<\/p>\n<p>\uc628\ub77c\uc778 \uc608\uae08 \uc0c1\ud488 \uc911\uac1c \uc11c\ube44\uc2a4\ub294 \uc544\uc9c1 \uc2dc\ubc94 \uc6b4\uc601 \uc911\uc5d0 \uc788\uace0, \uc774\ub97c \uaddc\uc728\ud558\ub294 \ubc95\uc801 \uc778\uac00\ub294 \uc544\uc9c1 \uc2b9\uc778\ub41c \ubc14 \uc5c6\ub2e4.<\/p>\n<p>\ud55c\uad6d\uc758 \uae08\uc735\ud601\uc2e0\uc9c0\uc6d0\ud2b9\ubcc4\ubc95\uc5d0 \ub530\ub77c, \ud2b9\uc815 \uae30\uc900\uc744 \ucda9\uc871\ud558\ub294 \uae30\uc5c5\uc740 \uc0c8\ub85c\uc6b4 \uae08\uc735\uae30\uc220\uacfc \ud601\uc2e0\uc801\uc778 \uae08\uc735 \uc11c\ube44\uc2a4\uc758 \uc2e4\ud5d8\uacfc \uc2dc\ud5d8 \uc6b4\uc601\uc744 \uc704\ud574 \uc81c\uacf5\ub418\ub294 \ud2b9\uc218\ud55c \ud658\uacbd\uc774\ub098 \ud504\ub85c\uadf8\ub7a8 \uc989, \u201c\uae08\uc735\uaddc\uc81c \uc0cc\ub4dc\ubc15\uc2a4 (Financial Regulatory Sandbox)\u201d \uc81c\ub3c4\ub97c \ud1b5\ud574 \ud604\ud589\ubc95\uc0c1 \ud5c8\uc6a9\ub418\uc9c0 \uc54a\ub294 \uae08\uc735 \uc11c\ube44\uc2a4\uc758 \uc2dc\ubc94 \uc6b4\uc601\uc744 \uc2e0\uccad\ud560 \uc218 \uc788\ub2e4. \uc774\ub7ec\ud55c \uc0cc\ub4dc\ubc15\uc2a4\uc5d0 \ud574\ub2f9\ud558\ub294 \uae30\uc5c5\uc740 \uae08\uc735 \uaddc\uc81c\uc5d0\uc11c \ud5c8\uc6a9\ub418\uc9c0 \uc54a\ub294 \ub2e4\uc591\ud55c \uc11c\ube44\uc2a4\ub97c 2\ub144\uac04(\ucd5c\ub300 4\ub144\uae4c\uc9c0 \uc5f0\uc7a5 \uac00\ub2a5) \uc2dc\ubc94 \uc6b4\uc601\ud560 \uc218 \uc788\ub2e4.<\/p>\n<p>\uc0cc\ub4dc\ubc15\uc2a4 \uc9c0\uc815 \uc2e0\uccad\uc740 \uad6d\ub0b4 \uae08\uc735\ud68c\uc0ac \ubc0f \uad6d\ub0b4\uc5d0 \uc0ac\ubb34\uc18c\ub97c \ub450\uace0 \uc788\ub294 \uae30\uc5c5\uc73c\ub85c \uc81c\ud55c\ub41c\ub2e4. \uae08\uc735\uc704\uc6d0\ud68c\uc5d0 \uc0cc\ub4dc\ubc15\uc2a4 \uc9c0\uc815 \uc2e0\uccad\uc11c\uc640 \uae08\uc735\uc704\uc6d0\ud68c \uc18c\uc815 \uc591\uc2dd\uc5d0 \uc758\uac70\ud55c \uc99d\ube59 \uc11c\ub958\ub97c \uc81c\ucd9c\ud558\uba74 \uac80\ud1a0 \uacfc\uc815\uc744 \uac70\uccd0 \uc9c0\uc815\ub420 \uc218 \uc788\ub2e4.<\/p>\n<h3><span style=\"color: #32849b;\"><strong>\ub300\ucd9c<\/strong><\/span><\/h3>\n<p>\uc740\ud589 \uc608\uae08\uacfc \ub9c8\ucc2c\uac00\uc9c0\ub85c, \ub300\ucd9c\uc740 \uc804\ud1b5\uc801\uc73c\ub85c \uc740\ud589\uc758 \ud575\uc2ec \uae30\ub2a5 \uc911 \ud558\ub098\uc600\ub2e4. \ud558\uc9c0\ub9cc \ucd5c\uadfc P2P(\uac1c\uc778 \uac04 \uac70\ub798) \ubc29\uc2dd\uc73c\ub85c \uc628\ub77c\uc778\uc5d0\uc11c \ub300\ucd9c\uc744 \uc911\uac1c\ud558\ub294 \ud50c\ub7ab\ud3fc \uc0ac\uc5c5\uc790\uac00 \ub4f1\uc7a5\ud558\uba74\uc11c \uc804\ud1b5\uc801\uc778 \ub300\ucd9c \uc2dc\uc7a5\uc5d0\ub3c4 \ubcc0\ud654\uac00 \ub098\ud0c0\ub098\uace0 \uc788\ub2e4.<\/p>\n<p>\ub610\ud55c, \ub2e4\uc591\ud55c \uae08\uc735\uae30\uad00\uc758 \ub300\ucd9c \uc0c1\ud488\uc744 \ube44\uad50\ud558\uc5ec \ucd5c\uc801\uc758 \uc0c1\ud488\uc744 \ucd94\ucc9c\ud558\ub294 \uc0c8\ub85c\uc6b4 \uc628\ub77c\uc778 \uc11c\ube44\uc2a4\ub3c4 \ub4f1\uc7a5\ud588\ub2e4.<\/p>\n<p>(1) \ud55c\uad6d\uc740 \uc628\ub77c\uc778\ud22c\uc790\uc5f0\uacc4\uae08\uc735\uc5c5 \ubc0f \uc774\uc6a9\uc790 \ubcf4\ud638\uc5d0 \uad00\ud55c \ubc95\ub960\uc744 \ud1b5\ud574 P2P \ub300\ucd9c\uc5c5\uc744 \ubc95\uc81c\ud654\ud588\ub2e4. \uc628\ub77c\uc778\ud22c\uc790\uc5f0\uacc4\uae08\uc735\uc5c5\uc744 \uc6b4\uc601\ud558\uae30 \uc704\ud574\uc11c\ub294 \ub2e4\uc74c \uc870\uac74\uc744 \ucda9\uc871\ud574\uc57c \ud55c\ub2e4:<\/p>\n<p>(a) \uc628\ub77c\uc778 \ud22c\uc790 \uc5f0\uacc4 \uae08\uc735\uc5c5\uc744 \ud558\ub824\uba74 \uae08\uc735\uac10\ub3c5\uc6d0\uc5d0 \ub4f1\ub85d\ud574\uc57c \ud55c\ub2e4.<\/p>\n<p>(b) \ub300\ucd9c \uaddc\ubaa8\uc5d0 \ub530\ub77c \ucd5c\uc18c 5\uc5b5 \uc6d0 \uc774\uc0c1\uc758 \uc790\ubcf8\uae08\uc774 \ud544\uc694\ud558\ub2e4.<\/p>\n<p>(c) \uc0ac\uc5c5 \uacc4\ud68d\uc740 \uc2e4\ud589 \uac00\ub2a5\ud558\uace0 \uac74\uc804\ud574\uc57c \ud558\uba70, \uc774\uc0ac\ub294 \ubc95\uc5d0\uc11c \uc815\ud55c \uc790\uaca9\uc744 \uac16\ucd94\uc5b4\uc57c \ud55c\ub2e4. \ub300\uc8fc\uc8fc\ub294 \ud22c\uc790 \uc5ec\ub825\uc774 \ucda9\ubd84\ud558\uace0, \uc7ac\ubb34 \uc0c1\ud0dc\uac00 \uac74\uc804\ud558\uba70 \ubc0f \uc0ac\ud68c\uc801 \uc2e0\ub8b0\uac00 \uc788\uc5b4\uc57c \ud55c\ub2e4.<\/p>\n<p>(2) \uc628\ub77c\uc778 \ub300\ucd9c \uc911\uac1c \uc11c\ube44\uc2a4\ub294 \ubc95\uc801\uc73c\ub85c \uae08\uc735\uc18c\ube44\uc790\ubcf4\ud638\ubc95\uc5d0 \uadfc\uac70\ub97c \ub450\uace0 \uc788\uace0, \uc628\ub77c\uc778 \ub300\ucd9c \uc911\uac1c \uc11c\ube44\uc2a4\uc5c5\uc744 \uc218\ud589\ud558\ub824\uba74 \ub2e4\uc74c\uacfc \uac19\uc740 \ubc95\uc801 \uc870\uac74\uc744 \ucda9\uc871\ud574\uc57c \ud55c\ub2e4.<\/p>\n<p>(a) FSC\uc5d0 \ub4f1\ub85d\ud574\uc57c \ud55c\ub2e4.<\/p>\n<p>(b) \ubc95\uc778\uc758 \ub300\ud45c\uc790 \ub610\ub294 \uc784\uc6d0\uc740 \ub300\ucd9c \uc0c1\ud488\uacfc \uad00\ub828\ud55c \uad50\uc721\uc744 \uc774\uc218\ud574\uc57c \ud55c\ub2e4.<\/p>\n<p>(c) \ud45c\uc900 \uc5c5\ubb34\ub97c \ud655\uc815\ud558\uace0, \uc804\ubb38 \uc778\ub825\uacfc \uc804\uc0b0 \uc2dc\uc124\uc744 \uc81c\uacf5\ud574\uc57c \ud55c\ub2e4.<\/p>\n<p>(d) \uae08\uc735\uc18c\ube44\uc790 \ud53c\ud574\ubcf4\uc0c1\uc744 \uc704\ud574 \ucd5c\uc18c 5\ucc9c\ub9cc \uc6d0 \uc774\uc0c1\uc758 \ubcf4\uc99d\uae08\uc744 \uc608\uce58\ud558\uac70\ub098 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud574\uc57c \ud55c\ub2e4.<\/p>\n<p>(e) \uc54c\uace0\ub9ac\uc998\uc5d0 \ub300\ud55c \uc774\ud574 \ucda9\ub3cc \ubc29\uc9c0 \uc778\uc99d\uc744 \ubc1b\uc544\uc57c \ud55c\ub2e4.<\/p>\n<h3><span style=\"color: #32849b;\"><strong>\uacb0\ub860<\/strong><\/span><\/h3>\n<p>\ub514\uc9c0\ud138 \ubc45\ud0b9\uc740 \uae30\ubcf8\uc801\uc73c\ub85c \uc804\ud1b5\uc801\uc778 \uc740\ud589\uc758 \uc5c5\ubb34 \ucc98\ub9ac\ub97c \ud55c\uce35 \uccb4\uacc4\uc801\uc774\uace0 \uc804\ubb38\uc801\uc778 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\ub294 \u2018\uc5b8\ubc88\ub4e4\ub9c1(unbundling)\u2019 \uac1c\ub150\uc73c\ub85c \uc804\ud658\ud558\uace0 \uadf8 \uae30\ub2a5\uc744 \ubaa8\ub4c8\ud654\ud558\ub294 \uac83\uc774\ub2e4. \ub530\ub77c\uc11c \uc740\ud589 \uc5c5\ubb34\uc640 \uad00\ub828\ud55c \uac01\uac01\uc758 \uaddc\uc81c \ud658\uacbd\uc744 \ucca0\uc800\ud788 \ud30c\uc545\ud558\ub294 \uac83\uc774 \ubc95\ub960 \uaddc\uc815 \uc900\uc218 \ub9ac\uc2a4\ud06c \uc644\ud654\uc5d0 \ub9e4\uc6b0 \uc911\uc694\ud558\ub2e4. \ud55c\uad6d\uc5d0\uc11c \ub514\uc9c0\ud138 \ubc45\ud0b9 \ubd80\ubb38\uc5d0 \uc9c4\ucd9c\ud558\uace0\uc790 \ud558\ub294 \uae30\uc5c5\uc740 \uac01\uac01\uc758 \uc740\ud589 \uc5c5\ubb34\uc640 \uae30\ub2a5\uc5d0 \uc801\uc6a9\ub418\ub294 \ubc95\uc801 \ud504\ub808\uc784\uc6cc\ud06c\ub97c \uc774\ud574\ud558\uace0 \uc2e0\uc911\ud558\uac8c \uc804\ub7b5\uc744 \uc218\ub9bd\ud574\uc57c \ud55c\ub2e4.<\/p>\n<section class=\"format-info\">\n<p style=\"text-align: justify;\"><strong> <img class=\"aligncenter wp-image-478344\" src=\"https:\/\/law.asia\/wp-content\/uploads\/2024\/04\/SK-logo_basic_E.jpg\" alt=\"\" width=\"500\" height=\"117\" srcset=\"https:\/\/law.asia\/wp-content\/uploads\/2024\/04\/SK-logo_basic_E.jpg 1015w, https:\/\/law.asia\/wp-content\/uploads\/2024\/04\/SK-logo_basic_E-300x70.jpg 300w, https:\/\/law.asia\/wp-content\/uploads\/2024\/04\/SK-logo_basic_E-768x179.jpg 768w, https:\/\/law.asia\/wp-content\/uploads\/2024\/04\/SK-logo_basic_E-696x163.jpg 696w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>SHIN &amp; KIM<\/strong><br \/>\n23F, D-Tower (D2), 17 Jongno 3-gil,<br \/>\nJongno-gu, Seoul 03155, Korea<br \/>\n\uc804\ud654: +82 2 316 4114<br \/>\n\uc774\uba54\uc77c: <a href=\"mailto:shinkim@shinkim.com\">shinkim@shinkim.com<\/a><br \/>\n<a href=\"http:\/\/www.shinkim.com\">www.shinkim.com<\/a><\/p>\n<\/section>\n<p style=\"text-align: right;\"><a style=\"text-decoration: none;\" href=\"#navigation\"><button style=\"width: 20%; font-size: 12px; letter-spacing: 1px; padding: 3px 3px; color: #000000; 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: #000000; font-weight: bold; text-transform: uppercase;\"><span class=\"color: #00000\">\ub9e8 \uc704\ub85c<\/span><\/span><\/button><\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\uc7c1\uc810\uc758 \uc911\uc2ec\uc5d0 \uc788\ub294 \uae08\uc735 \ubd84\uc57c\uc758 \uaddc\uc81c\uc640 \uaddc\uc815 \uc900\uc218\uac00 \ube60\ub974\uac8c \uc9c4\ud654\ud558\uba74\uc11c \uc0c8\ub85c\uc6b4 \ub3d9\ud5a5\uc5d0 \ub300\ud55c \ucd5c\uc2e0 \uc815\ubcf4\ub97c \ud30c\uc545\ud558\ub294 \uc77c\uc774 \uc5b4\ub290\ub54c\ubcf4\ub2e4 \uc911\uc694\ud574\uc84c\ub2e4. \uc774\ubc88 \uae30\uc0ac\uc5d0\uc11c\ub294 \uc77c\ubcf8\uacfc \ud55c\uad6d\uc758 \uad00\ub828 \ubc95\uacfc \uaddc\uc815\uc5d0 \ub300\ud55c \uc804\ubb38\uac00\uc758 \uc758\uacac\uc744 \uc18c\uac1c\ud558\uace0\uc790 \ud55c\ub2e4. \uc77c\ubcf8 \ub300\ud55c\ubbfc\uad6d \uc77c\ubcf8 \uc77c\ubcf8\uc758 \uacbd\uc6b0, \uc644\uc804\ud55c \uc778\ud130\ub137 \uae30\ubc18\uc758 \uc740\ud589\uc740 2000\ub144 10\uc6d4\uc5d0 \ucc98\uc74c \ubb38\uc744 \uc5f4\uc5c8\ub2e4. \ub2f9\uc2dc\uc5d0\ub294 \uc774\ub7ec\ud55c \ud615\ud0dc\uc758 \uc740\ud589\uc744 \uc77c\ubc18\uc801\uc73c\ub85c \u201c\uc778\ud130\ub137 \ubc45\ud06c\u201d\ub77c\uace0 \ubd88\ub800\ub2e4. \uc774\ud6c4, \uc2a4\ub9c8\ud2b8\ud3f0\uc774<\/p>\n","protected":false},"author":7425,"featured_media":478408,"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":""},"categories":[8398,8531],"tags":[143852,143508,143855,143856,143870,143867,143872,119269,116381,143849,143848,143854,143873,143850,143869,143868,143851,143853,143865,143866,143871,143875,143874],"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=\"\uc7c1\uc810\uc758 \uc911\uc2ec\uc5d0 \uc788\ub294 \uae08\uc735 \ubd84\uc57c\uc758 \uaddc\uc81c\uc640 \uaddc\uc815 \uc900\uc218\uac00 \ube60\ub974\uac8c \uc9c4\ud654\ud558\uba74\uc11c \uc0c8\ub85c\uc6b4 \ub3d9\ud5a5\uc5d0 \ub300\ud55c \ucd5c\uc2e0 \uc815\ubcf4\ub97c \ud30c\uc545\ud558\ub294 \uc77c\uc774 \uc5b4\ub290\ub54c\ubcf4\ub2e4 \uc911\uc694\ud574\uc84c\ub2e4. \uc774\ubc88 \uae30\uc0ac\uc5d0\uc11c\ub294 \uc77c\ubcf8\uacfc \ud55c\uad6d\uc758 \uad00\ub828 \ubc95\uacfc \uaddc\uc815\uc5d0 \ub300\ud55c \uc804\ubb38\uac00\uc758 \uc758\uacac\uc744 \uc18c\uac1c\ud558\uace0\uc790 \ud55c\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\/north-asia-digital-banking\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\ubd81\uc544\uc2dc\uc544 \uc9c0\uc5ed\uc758 \ub514\uc9c0\ud138 \ubc45\ud0b9 \uac00\uc774\ub4dc\" \/>\n<meta property=\"og:description\" content=\"\uc7c1\uc810\uc758 \uc911\uc2ec\uc5d0 \uc788\ub294 \uae08\uc735 \ubd84\uc57c\uc758 \uaddc\uc81c\uc640 \uaddc\uc815 \uc900\uc218\uac00 \ube60\ub974\uac8c \uc9c4\ud654\ud558\uba74\uc11c \uc0c8\ub85c\uc6b4 \ub3d9\ud5a5\uc5d0 \ub300\ud55c \ucd5c\uc2e0 \uc815\ubcf4\ub97c \ud30c\uc545\ud558\ub294 \uc77c\uc774 \uc5b4\ub290\ub54c\ubcf4\ub2e4 \uc911\uc694\ud574\uc84c\ub2e4. \uc774\ubc88 \uae30\uc0ac\uc5d0\uc11c\ub294 \uc77c\ubcf8\uacfc \ud55c\uad6d\uc758 \uad00\ub828 \ubc95\uacfc \uaddc\uc815\uc5d0 \ub300\ud55c \uc804\ubb38\uac00\uc758 \uc758\uacac\uc744 \uc18c\uac1c\ud558\uace0\uc790 \ud55c\ub2e4.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/law.asia\/ko\/north-asia-digital-banking\/\" \/>\n<meta property=\"og:site_name\" content=\"Law.asia\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/AsiaBusinessLaw\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-04-18T03:08:27+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-04-19T01:58:24+00:00\" \/>\n<meta property=\"og:image\" 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