{"id":35562,"date":"2025-07-28T14:03:48","date_gmt":"2025-07-28T05:03:48","guid":{"rendered":"https:\/\/www.sanctionlab.com\/?p=35562"},"modified":"2025-07-29T10:45:55","modified_gmt":"2025-07-29T01:45:55","slug":"%ea%b2%bd%ec%98%81-%ec%a7%80%ed%91%9c-%ec%b5%9c%ec%9a%b0%ec%84%a0-%ec%88%9c%ec%9c%84-%eb%90%9c-%eb%b3%b4%ed%86%b5%ec%a3%bc%ec%9e%90%eb%b3%b8%eb%b9%84%ec%9c%a8","status":"publish","type":"post","link":"https:\/\/www.sanctionlab.com\/?p=35562","title":{"rendered":"\uacbd\uc601 \uc9c0\ud45c ‘\ucd5c\uc6b0\uc120 \uc21c\uc704’ \ub41c \ubcf4\ud1b5\uc8fc\uc790\ubcf8\ube44\uc728"},"content":{"rendered":"

|[\ucd1d\ub860] ‘\ub9ac\uc2a4\ud06c \ub300\ube44\u2192\uc8fc\uc8fc\ud658\uc6d0 \ucc99\ub3c4’ \ud65c\uc6a9\ubc95 \uc9c4\ud654\u2026\ubaa9\ud45c\uad6c\uac04 \uc9c4\uc785\u00b7\ud6a8\uc728\uc801 \uc790\ubcf8 \ud65c\uc6a9 \uacfc\uc81c<\/h3>\n

\uc740\ud589\uc9c0\uc8fc \ubcf4\ud1b5\uc8fc\uc790\ubcf8(CET1)\ube44\uc728 \uad00\ub9ac \uc911\uc694\uc131\uc774 \ub0a0\uc774 \uac08\uc218\ub85d \ucee4\uc9c0\uace0 \uc788\ub2e4. CET1\ube44\uc728\uc740 \uc740\ud589\uad8c\uc5d0\uc11c \ub2f9\uad6d \uaddc\uc81c\ub97c \ucda9\uc871\uc2dc\ud0a4\uace0 \uc2dc\uc2a4\ud15c \ub9ac\uc2a4\ud06c\uc5d0 \ub300\ube44\ud574 \ubcf4\ud1b5\uc8fc\uc790\ubcf8\uc744 \uc313\uae30 \uc704\ud55c \ubaa9\uc801\uc73c\ub85c \uad00\ub9ac\ub3fc \uc654\ub2e4. \ubc38\ub958\uc5c5 \ud504\ub85c\uadf8\ub7a8\uc744 \uc804\uba74\uc5d0 \ub0b4\uc138\uc6b4 \ub4a4\ub85c\ub294 \uc8fc\uc8fc\ud658\uc6d0 \uaddc\ubaa8\ub97c \uc815\ud558\ub294 \ucc99\ub3c4\ub85c\ub3c4 \ud65c\uc6a9\ub418\uace0 \uc788\ub2e4. \ucd5c\uadfc \uacbd\uc601\uc9c4\uc774 \ucd5c\uc6b0\uc120\uc2dc\ud558\ub294 \uc9c0\ud45c\ub77c \ud574\ub3c4 \uacfc\uc5b8\uc774 \uc544\ub2c8\ub2e4.<\/p>\n

\uc8fc\uc694 \uc740\ud589\uc9c0\uc8fc CET1\ube44\uc728\uc774 \ub0a0\ub85c \uac1c\uc120\ub418\ub294 \ucd94\uc138\uc9c0\ub9cc \uc774\uba74\uc5d0\uc11c\ub294 \uace0\ubbfc\ub3c4 \uae4a\uc5b4\uc9c0\uace0 \uc788\ub2e4. \uc544\uc9c1 \ubaa9\ud45c \uad6c\uac04\uc5d0 \ub3c4\ub2ec\ud558\uc9c0 \ubabb\ud574 \ucd94\uac00\uc801\uc73c\ub85c \ube44\uc728\uc744 \uac1c\uc120\ud574\uc57c \ud558\ub294 \uacf3\ub3c4 \uc788\ub2e4. \uaddc\uc81c \uc218\uc900\uc744 \ud6cc\uca4d \ub118\uaca8 \ucd95\uc801\ub41c \uc790\ubcf8\uc744 \ucd5c\ub300\ud55c \ud6a8\uc728\uc801\uc73c\ub85c \ud65c\uc6a9\ud574\uc57c \ud558\ub294 \uacfc\uc81c\ub3c4 \uc0dd\uacbc\ub2e4. \uc790\ubcf8\ube44\uc728 \uad00\ub828 \uaddc\uc81c \uac15\ud654 \uac00\ub2a5\uc131\ub3c4 \uc5fc\ub450\uc5d0 \ub46c\uc57c \ud55c\ub2e4.<\/p>\n

\u25c7\uc77c\ucc0c\uac10\uce58 \ub2f9\uad6d \uaddc\uc81c \ucda9\uc871\u2026\uc740\ud589\uad8c \uc2dc\uc120 \ub354 \ub192\uc740 \uacf3 \ud5a5\ud55c\ub2e4<\/strong><\/p>\n

\uc790\ubcf8\ube44\uc728\uc740 \uad6d\uc81c\uacb0\uc81c\uc740\ud589(BIS) \uc0b0\ud558 \ubc14\uc824\uc740\ud589\uac10\ub3c5\uc704\uc6d0\ud68c\uc758 \uc0b0\ucd9c \ubc29\uc2dd\uc744 \uae30\ubc18\uc73c\ub85c \uc0b0\ucd9c\ub41c\ub2e4. \ubc14\uc824\uc740\ud589\uac10\ub3c5\uc704\uc6d0\ud68c\ub294 2008\ub144 \uae00\ub85c\ubc8c \uae08\uc735\uc704\uae30 \uc774\ud6c4 \ub300\uaddc\ubaa8 \uc190\uc2e4\uc744 \ud761\uc218\ud560 \uc790\ubcf8 \ud655\ubcf4\ub97c \uc758\ubb34\ud654\ud558\uae30 \uc704\ud574 \ubc14\uc824\u2162 \uaddc\uc81c\ub97c \ub3c4\uc785\ud588\ub2e4. \uad6d\ub0b4 \uae08\uc735 \ub2f9\uad6d\ub3c4 \ubc14\uc824\u2162\ub97c \uae30\uc900\uc73c\ub85c \uc740\ud589\uad8c\uc758 \uc790\ubcf8\ube44\uc728\uc744 \uad00\ub9ac\ud55c\ub2e4.<\/p>\n

\"\"<\/div>\n

\uc804\ud1b5\uc801\uc73c\ub85c \uc911\uc2dc\ub41c \uc790\ubcf8\ube44\uc728\uc740 \uad6d\uc81c\uacb0\uc81c\uc740\ud589(BIS)\ube44\uc728\uc774\ub2e4. BIS\ube44\uc728\uc740 \ucd1d \uc790\uae30\uc790\ubcf8\uc744 \uc704\ud5d8\uac00\uc911\uc790\uc0b0(RWA)\uc73c\ub85c \ub098\ub208 \ube44\uc728\uc774\ub2e4. \ucd1d \uc790\uae30\uc790\ubcf8\uc5d0\ub294 \ubcf4\ud1b5\uc8fc\uc790\ubcf8 \uc678\uc5d0\ub3c4 \uae30\ubcf8\uc790\ubcf8(Tier1), \ubcf4\uc644\uc790\ubcf8(Tier2) \ub4f1\uc774 \ud3ec\ud568\ub41c\ub2e4. \uc2e0\uc885\uc790\ubcf8\uc99d\uad8c\uc774 \uae30\ubcf8\uc790\ubcf8, \ud6c4\uc21c\uc704\ucc44\uac00 \ubcf4\uc644\uc790\ubcf8\uc5d0 \ud3ec\ud568\ub41c\ub2e4.<\/p>\n

\uc694\uc998\uc740 BIS\ube44\uc728\uc774 \uc544\ub2cc CET1\ube44\uc728\uc744 \uc880 \ub354 \uc911\uc2dc\ud558\ub294 \ucd94\uc138\ub2e4. CET1\ube44\uc728\uc744 \ud1b5\ud574 \uc740\ud589\uc758 \uc190\uc2e4 \ud761\uc218 \ub2a5\ub825\uc744 \uba85\ud655\ud788 \ubcf4\uc5ec\uc904 \uc218 \uc788\uae30 \ub54c\ubb38\uc774\ub2e4. \ubcf4\ud1b5\uc8fc\uc790\ubcf8\uc758 \uacbd\uc6b0 \uae08\uc735\uad8c\uc5d0 \uc2dc\uc2a4\ud15c \ub9ac\uc2a4\ud06c\uac00 \ubc1c\uc0dd\ud574\ub3c4 \uc0c1\ud658 \uc758\ubb34\uac00 \uc5c6\uace0 \uc190\uc2e4\uc744 \ud761\uc218\ud558\ub294 \uc6a9\ub3c4\ub85c \ud65c\uc6a9 \uac00\ub2a5\ud558\ub2e4. \uc2e0\uc885\uc790\ubcf8\uc99d\uad8c\uc774\ub098 \ud6c4\uc21c\uc704\ucc44\uc758 \uacbd\uc6b0 \uc870\uac74\ubd80 \uc790\ubcf8\uc774\ub77c\ub294 \uc810\uc5d0\uc11c \uc190\uc2e4 \ud761\uc218\ub85c \uc774\uc5b4\uc9c0\uae30 \uc5b4\ub835\ub2e4.<\/p>\n

\uad6d\ub0b4 \uc740\ud589\uad8c\uc740 \ubc14\uc824\u2162\uc758 CET1\ube44\uc728 \uae30\uc900\uc744 \uc77c\ucc0c\uac10\uce58 \ucda9\uc871\uc2dc\ud0a8 \uc0c1\ud0dc\ub2e4. \uad6d\ub0b4 \uc740\ud589\uc740 CET1\ube44\uc728 7%\ub97c \ub118\uc5b4\uc57c \ud55c\ub2e4. \ubc14\uc824\u2162\uac00 \uc815\ud55c \uae30\ubcf8 \uc790\uae30\uc790\ubcf8 \uc694\uac74 4.5%\uc5d0 \uacbd\uae30 \ubd88\ud669 \ub4f1 \uc704\uae30 \ubc1c\uc0dd\uc2dc \uc190\uc2e4 \ud761\uc218 \ub2a5\ub825\uc744 \uc704\ud55c 2.5%\uac00 \ucd94\uac00\ub3fc 7% \uae30\uc900\uc774 \ub9cc\ub4e4\uc5b4\uc84c\ub2e4.<\/p>\n

\uae08\uc735 \ub2f9\uad6d\uc740 \ubc14\uc824\u2162 \uae30\uc900\ubcf4\ub2e4 CET1\ube44\uc728\uc744 \uc5c4\uaca9\ud558\uac8c \uad00\ub9ac\ud55c\ub2e4. 2020\ub144\ub300 \ucd08\ubc18 \ucf54\ub85c\ub09819 \ud32c\ub370\ubbf9 \uad6d\uba74\uc744 \uac70\uce5c \uc774\ud6c4 13% \uc548\ud30e\uc758 \uc790\ubcf8\ube44\uc728\uc744 \uac16\ucd9c \uac83\uc744 \uad6d\ub0b4 \uc740\ud589\uad8c\uc5d0 \uae30\ub300\ud558\uace0 \uc788\ub2e4. \uc774\ub294 \uae00\ub85c\ubc8c \uc740\ud589\uc744 \uae30\uc900\uc73c\ub85c \ubd10\ub3c4 \ub192\uc740 \uc218\uc900\uc774\ub2e4. 4\ub300 \uae08\uc735\uc9c0\uc8fc\ub294 12~14% \uc218\uc900\uc758 CET1\ube44\uc728\uc5d0 \ub3c4\ub2ec\ud558\uba70 \uae08\uc735 \ub2f9\uad6d \ub208\ub192\uc774\ub3c4 \ub9de\ucdc4\ub2e4.<\/p>\n

\uc774\uc81c \uc740\ud589\uad8c\uc758 \uc2dc\uc120\uc740 \uc2dc\uc2a4\ud15c \ub9ac\uc2a4\ud06c \ub300\ube44\ub97c \ub118\uc5b4 \ub354 \ub192\uc740 \uacf3\uc73c\ub85c \ud5a5\ud558\uace0 \uc788\ub2e4. CET1\ube44\uc728\uc744 \ubc38\ub958\uc5c5 \ud504\ub85c\uadf8\ub7a8 \ucc99\ub3c4\ub85c \ud65c\uc6a9\ud558\uae30 \uc2dc\uc791\ud588\ub2e4. \uc8fc\uc8fc\ud658\uc6d0\uc744 CET1\ube44\uc728\uc5d0 \uc5f0\ub3d9\ud574 \uad00\ub9ac\ud55c\ub2e4. CET1\ube44\uc728\uc774 13% \ub610\ub294 13.5%\ub97c \ub118\uc5b4\uc11c\uba74 \uc8fc\uc8fc\ud658\uc6d0 \uaddc\ubaa8\ub97c \ud0a4\uc6b0\ub294 \uc2dd\uc774\ub2e4. CET1\ube44\uc728\uc744 \ud6a8\uc728\uc801\uc73c\ub85c \uad00\ub9ac\ud560\uc218\ub85d \uae30\uc5c5\uac00\uce58\ub97c \uc81c\uace0\ud560 \uc218 \uc788\ub294 \uad6c\uc870\ub2e4.<\/p>\n

\u25c7CET1\ube44\uc728 \uad00\ub9ac, \ub192\uc544\uc9c4 \uae30\ub300\uce58\u2026\uc131\uc7a5\u00b7\uc8fc\uc8fc\ud658\uc6d0 \uade0\ud615 \ucd94\uad6c\ud574\uc57c<\/strong><\/p>\n

CET1\ube44\uc728 \uc911\uc694\uc131\uc774 \ucee4\uc9c0\uba74\uc11c \uc740\ud589\uad8c\ub3c4 \uad00\ub9ac\uc5d0 \ub9cc\uc804\uc744 \uae30\ud558\uace0 \uc788\ub2e4. CET1\ube44\uc728 \uac1c\uc120\uc744 \ubc14\ud0d5\uc73c\ub85c \uae30\uc5c5\uac00\uce58\ub97c \ub192\uc77c \uc218 \uc788\ub294 \ud658\uacbd\uc774 \ub9c8\ub828\ub410\uc73c\ub098 \ub192\uc544\uc9c4 \uae30\ub300\uce58\ub97c \ucda9\uc871\uc2dc\ud0a4\uc9c0 \ubabb\ud558\uba74 \uadf8\ub9cc\ud07c \uc2dc\uc7a5\uc758 \uc2e4\ub9dd\uac10\ub3c4 \ucee4\uc9c8 \uc218 \uc788\ub2e4.<\/p>\n

\ud558\ub098\uae08\uc735\uacfc \uc6b0\ub9ac\uae08\uc735\uc740 \ucd94\uac00\uc801\uc778 CET1\ube44\uc728 \uac1c\uc120\uc744 \uc704\ud574 \ud798\uc4f0\uace0 \uc788\ub2e4. \uc9c0\ub09c 2\ubd84\uae30 \uae30\uc900 \ud558\ub098\uae08\uc735\uc740 13.39%, \uc6b0\ub9ac\uae08\uc735\uc740 12.76%\ub97c \uae30\ub85d\ud588\ub2e4. \ud558\ub098\uae08\uc735\uc740 13~13.5% \uc218\uc900\uc5d0\uc11c CET1\ube44\uc728\uc744 \uad00\ub9ac\ud558\uae30\ub85c \ud588\uc73c\ub098 \uacbd\uc6b0 \uc678\ud658 \ubcc0\ub3d9\uc131 \uc601\ud5a5\uc774 \ud06c\ub2e4\ub294 \uc810\uc744 \uac10\uc548\ud558\uba74 13.5%\ub97c \ub118\uc5b4\uc11c\uc57c \uc8fc\uc8fc\ud658\uc6d0\uc744 \ud68d\uae30\uc801\uc73c\ub85c \ub298\ub9b4 \uc218 \uc788\ub2e4. \uc6b0\ub9ac\uae08\uc735\uc740 13%\ub300 \uc548\ucc29\uc774 \uae09\uc120\ubb34\ub2e4.<\/p>\n

KB\uae08\uc735\uacfc \uc2e0\ud55c\uae08\uc735\uc740 13.5%\ub97c \ub118\uc5b4\uc11c\uba70 \uc5c5\uacc4\ub97c \uc120\ub3c4\ud558\uace0 \uc788\ub2e4. \uc591\uc0ac\ub294 \ub2e4\ub978 \uc740\ud589\uc9c0\uc8fc\uc640 \ud55c \ucc28\uc6d0 \ub2e4\ub978 \uace0\ubbfc\uc744 \ud558\uace0 \uc788\ub2e4. \uc790\ubcf8\uc774 \ucda9\ubd84\ud788 \ucd95\uc801\ub41c \ub9cc\ud07c \uc774\ub97c \uc131\uc7a5\uacfc \uc8fc\uc8fc\ud658\uc6d0\uc5d0 \ud6a8\uc728\uc801\uc73c\ub85c \ubc30\ubd84\ud574\uc57c \ud55c\ub2e4. RWA \uc131\uc7a5\ub960\uc774 \uc9c0\ub098\uce58\uac8c \ub0ae\uc744 \uacbd\uc6b0 \uc131\uc7a5 \uae30\ud68c\ub97c \ub193\uce5c \uac83\uc73c\ub85c \ud574\uc11d\ub420 \uc218 \uc788\ub2e4. \uc8fc\uc8fc\ud658\uc6d0 \uaddc\ubaa8\uac00 \uae30\ub300\uc5d0 \ubbf8\uce58\uc9c0 \ubabb\ud558\uba74 \uc2e4\ub9dd\uac10\uc774 \uace7\ubc14\ub85c \uc8fc\uac00\uc5d0 \ubc18\uc601\ub41c\ub2e4.<\/p>\n

\ud55c \uae08\uc735\uc9c0\uc8fc \uad00\uacc4\uc790\ub294 “\ubcf4\ud1b5\uc8fc\uc790\ubcf8\uc774 \ucda9\ubd84\ud788 \uc313\uc774\uc9c0 \uc54a\uc558\ub358 \uc2dc\uc808\uc5d0\ub294 \uc2e4\uc801\uc744 \uac1c\uc120\ud574 \uc790\ubcf8\uc744 \ucd95\uc801\ud558\ub294 \uac8c \uc9c0\uc0c1 \uacfc\uc81c\uc600\ub294\ub370 \uc774\uc820 \ubc38\ub958\uc5c5\uc5d0 \ucd5c\uc801\ud654\ub41c \uad00\ub9ac \ubc29\uc548\uc744 \ub9c8\ub828\ud574\uc57c \ud55c\ub2e4”\uba70 “\ucd94\uac00\uc801\uc778 \uc790\ubcf8 \uaddc\uc81c \ub3c4\uc785 \uac00\ub2a5\uc131\uae4c\uc9c0 \uc5fc\ub450\uc5d0 \ub450\uace0 CET1\ube44\uc728\uc744 \uad00\ub9ac\ud558\uace0 \uc788\ub2e4”\uace0 \ub9d0\ud588\ub2e4.<\/p>\n

\/ \ucd5c\ud544\uc6b0 \ub354\ubca8 \uae30\uc790<\/p>\n","protected":false},"excerpt":{"rendered":"

|[\ucd1d\ub860] ‘\ub9ac\uc2a4\ud06c \ub300\ube44\u2192\uc8fc\uc8fc\ud658\uc6d0 \ucc99\ub3c4’ \ud65c\uc6a9\ubc95 \uc9c4\ud654\u2026\ubaa9\ud45c\uad6c\uac04 \uc9c4\uc785\u00b7\ud6a8\uc728\uc801 \uc790\ubcf8 \ud65c\uc6a9 \uacfc\uc81c \uc740\ud589\uc9c0\uc8fc \ubcf4\ud1b5\uc8fc\uc790\ubcf8(CET1)\ube44\uc728 \uad00\ub9ac \uc911\uc694\uc131\uc774 \ub0a0\uc774 \uac08\uc218\ub85d \ucee4\uc9c0\uace0 \uc788\ub2e4. CET1\ube44\uc728\uc740 \uc740\ud589\uad8c\uc5d0\uc11c \ub2f9\uad6d \uaddc\uc81c\ub97c \ucda9\uc871\uc2dc\ud0a4\uace0 \uc2dc\uc2a4\ud15c \ub9ac\uc2a4\ud06c\uc5d0 \ub300\ube44\ud574 \ubcf4\ud1b5\uc8fc\uc790\ubcf8\uc744 \uc313\uae30 \uc704\ud55c \ubaa9\uc801\uc73c\ub85c \uad00\ub9ac\ub3fc \uc654\ub2e4. \ubc38\ub958\uc5c5 \ud504\ub85c\uadf8\ub7a8\uc744 \uc804\uba74\uc5d0 \ub0b4\uc138\uc6b4 \ub4a4\ub85c\ub294 \uc8fc\uc8fc\ud658\uc6d0 \uaddc\ubaa8\ub97c \uc815\ud558\ub294 \ucc99\ub3c4\ub85c\ub3c4 \ud65c\uc6a9\ub418\uace0 \uc788\ub2e4. \ucd5c\uadfc \uacbd\uc601\uc9c4\uc774 \ucd5c\uc6b0\uc120\uc2dc\ud558\ub294 \uc9c0\ud45c\ub77c \ud574\ub3c4 \uacfc\uc5b8\uc774 \uc544\ub2c8\ub2e4. \uc8fc\uc694 \uc740\ud589\uc9c0\uc8fc CET1\ube44\uc728\uc774 \ub0a0\ub85c \uac1c\uc120\ub418\ub294 […]<\/p>\n","protected":false},"author":44,"featured_media":35563,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[922,8,611],"tags":[2260,1653,2261,6512,3878],"class_list":{"0":"post-35562","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-thebell","8":"category-compliance","9":"category-korea","10":"tag-cet1","11":"tag-1653","12":"tag-2261","13":"tag-6512","14":"tag-3878"},"yoast_head":"\n\uacbd\uc601 \uc9c0\ud45c '\ucd5c\uc6b0\uc120 \uc21c\uc704' \ub41c \ubcf4\ud1b5\uc8fc\uc790\ubcf8\ube44\uc728 SanctionLab<\/title>\n<meta name=\"description\" content=\"\uc740\ud589\uc9c0\uc8fc \ubcf4\ud1b5\uc8fc\uc790\ubcf8(CET1)\ube44\uc728 \uad00\ub9ac \uc911\uc694\uc131\uc774 \ub0a0\uc774 \uac08\uc218\ub85d \ucee4\uc9c0\uace0 \uc788\ub2e4. CET1\ube44\uc728\uc740 \uc740\ud589\uad8c\uc5d0\uc11c \ub2f9\uad6d \uaddc\uc81c\ub97c \ucda9\uc871\uc2dc\ud0a4\uace0 \uc2dc\uc2a4\ud15c \ub9ac\uc2a4\ud06c\uc5d0 \ub300\ube44\ud574 \ubcf4\ud1b5\uc8fc\uc790\ubcf8\uc744 \uc313\uae30 \uc704\ud55c \ubaa9\uc801\uc73c\ub85c \uad00\ub9ac\ub3fc \uc654\ub2e4. \ubc38\ub958\uc5c5 \ud504\ub85c\uadf8\ub7a8\uc744 \uc804\uba74\uc5d0 \ub0b4\uc138\uc6b4 \ub4a4\ub85c\ub294...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.sanctionlab.com\/?p=35562\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\uacbd\uc601 \uc9c0\ud45c '\ucd5c\uc6b0\uc120 \uc21c\uc704' \ub41c \ubcf4\ud1b5\uc8fc\uc790\ubcf8\ube44\uc728 SanctionLab\" \/>\n<meta property=\"og:description\" content=\"\uc740\ud589\uc9c0\uc8fc \ubcf4\ud1b5\uc8fc\uc790\ubcf8(CET1)\ube44\uc728 \uad00\ub9ac \uc911\uc694\uc131\uc774 \ub0a0\uc774 \uac08\uc218\ub85d \ucee4\uc9c0\uace0 \uc788\ub2e4. CET1\ube44\uc728\uc740 \uc740\ud589\uad8c\uc5d0\uc11c \ub2f9\uad6d \uaddc\uc81c\ub97c \ucda9\uc871\uc2dc\ud0a4\uace0 \uc2dc\uc2a4\ud15c \ub9ac\uc2a4\ud06c\uc5d0 \ub300\ube44\ud574 \ubcf4\ud1b5\uc8fc\uc790\ubcf8\uc744 \uc313\uae30 \uc704\ud55c \ubaa9\uc801\uc73c\ub85c \uad00\ub9ac\ub3fc \uc654\ub2e4. \ubc38\ub958\uc5c5 \ud504\ub85c\uadf8\ub7a8\uc744 \uc804\uba74\uc5d0 \ub0b4\uc138\uc6b4 \ub4a4\ub85c\ub294...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.sanctionlab.com\/?p=35562\" \/>\n<meta property=\"og:site_name\" content=\"SanctionLab\" \/>\n<meta property=\"article:published_time\" content=\"2025-07-28T05:03:48+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-29T01:45:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/07\/20250728110135800_n.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"385\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"the bell\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\uae00\uc4f4\uc774\" \/>\n\t<meta name=\"twitter:data1\" content=\"the bell\" \/>\n\t<meta name=\"twitter:label2\" content=\"\uc608\uc0c1 \ub418\ub294 \ud310\ub3c5 \uc2dc\uac04\" \/>\n\t<meta name=\"twitter:data2\" content=\"3\ubd84\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.sanctionlab.com\/?p=35562#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.sanctionlab.com\/?p=35562\"},\"author\":{\"name\":\"the bell\",\"@id\":\"https:\/\/www.sanctionlab.com\/#\/schema\/person\/17d7f03620d8d417748dab41644ff547\"},\"headline\":\"\uacbd\uc601 \uc9c0\ud45c ‘\ucd5c\uc6b0\uc120 \uc21c\uc704’ \ub41c \ubcf4\ud1b5\uc8fc\uc790\ubcf8\ube44\uc728\",\"datePublished\":\"2025-07-28T05:03:48+00:00\",\"dateModified\":\"2025-07-29T01:45:55+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.sanctionlab.com\/?p=35562\"},\"wordCount\":28,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.sanctionlab.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.sanctionlab.com\/?p=35562#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/07\/20250728110135800_n.jpg\",\"keywords\":[\"CET1\ube44\uc728\",\"\ubc38\ub958\uc5c5\",\"\ubcf4\ud1b5\uc8fc\uc790\ubcf8\ube44\uc728\",\"\uc2dc\uc2a4\ud15c \ub9ac\uc2a4\ud06c\",\"\uc8fc\uc8fc\ud658\uc6d0\"],\"articleSection\":[\"\ub354\ubca8\",\"\ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4\",\"\ud55c\uad6d\"],\"inLanguage\":\"ko-KR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.sanctionlab.com\/?p=35562#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.sanctionlab.com\/?p=35562\",\"url\":\"https:\/\/www.sanctionlab.com\/?p=35562\",\"name\":\"\uacbd\uc601 \uc9c0\ud45c '\ucd5c\uc6b0\uc120 \uc21c\uc704' \ub41c \ubcf4\ud1b5\uc8fc\uc790\ubcf8\ube44\uc728 SanctionLab\",\"isPartOf\":{\"@id\":\"https:\/\/www.sanctionlab.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.sanctionlab.com\/?p=35562#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.sanctionlab.com\/?p=35562#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/07\/20250728110135800_n.jpg\",\"datePublished\":\"2025-07-28T05:03:48+00:00\",\"dateModified\":\"2025-07-29T01:45:55+00:00\",\"description\":\"\uc740\ud589\uc9c0\uc8fc \ubcf4\ud1b5\uc8fc\uc790\ubcf8(CET1)\ube44\uc728 \uad00\ub9ac \uc911\uc694\uc131\uc774 \ub0a0\uc774 \uac08\uc218\ub85d \ucee4\uc9c0\uace0 \uc788\ub2e4. CET1\ube44\uc728\uc740 \uc740\ud589\uad8c\uc5d0\uc11c \ub2f9\uad6d \uaddc\uc81c\ub97c \ucda9\uc871\uc2dc\ud0a4\uace0 \uc2dc\uc2a4\ud15c \ub9ac\uc2a4\ud06c\uc5d0 \ub300\ube44\ud574 \ubcf4\ud1b5\uc8fc\uc790\ubcf8\uc744 \uc313\uae30 \uc704\ud55c \ubaa9\uc801\uc73c\ub85c \uad00\ub9ac\ub3fc \uc654\ub2e4. \ubc38\ub958\uc5c5 \ud504\ub85c\uadf8\ub7a8\uc744 \uc804\uba74\uc5d0 \ub0b4\uc138\uc6b4 \ub4a4\ub85c\ub294...\",\"breadcrumb\":{\"@id\":\"https:\/\/www.sanctionlab.com\/?p=35562#breadcrumb\"},\"inLanguage\":\"ko-KR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.sanctionlab.com\/?p=35562\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ko-KR\",\"@id\":\"https:\/\/www.sanctionlab.com\/?p=35562#primaryimage\",\"url\":\"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/07\/20250728110135800_n.jpg\",\"contentUrl\":\"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/07\/20250728110135800_n.jpg\",\"width\":640,\"height\":385},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.sanctionlab.com\/?p=35562#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"\ud648\",\"item\":\"https:\/\/www.sanctionlab.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\uacbd\uc601 \uc9c0\ud45c ‘\ucd5c\uc6b0\uc120 \uc21c\uc704’ \ub41c \ubcf4\ud1b5\uc8fc\uc790\ubcf8\ube44\uc728\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.sanctionlab.com\/#website\",\"url\":\"https:\/\/www.sanctionlab.com\/\",\"name\":\"SanctionLab\",\"description\":\"\uc0dd\ud06c\uc158\ub7a9\uc740 '\uacbd\uc81c \uc548\ubcf4' \uc815\ubcf4 \uc81c\uacf5 \uc2a4\ud0c0\ud2b8\uc5c5\uc785\ub2c8\ub2e4.\",\"publisher\":{\"@id\":\"https:\/\/www.sanctionlab.com\/#organization\"},\"alternateName\":\"\uc0dd\ud06c\uc158\ub7a9, \uc0dd\uc158\ub7a9, \uc81c\uc7ac\uc5f0\uad6c\uc18c\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.sanctionlab.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ko-KR\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.sanctionlab.com\/#organization\",\"name\":\"SanctionLab\",\"alternateName\":\"\uc0dd\ud06c\uc158\ub7a9\",\"url\":\"https:\/\/www.sanctionlab.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ko-KR\",\"@id\":\"https:\/\/www.sanctionlab.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2024\/05\/cropped-san-fav.png\",\"contentUrl\":\"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2024\/05\/cropped-san-fav.png\",\"width\":512,\"height\":512,\"caption\":\"SanctionLab\"},\"image\":{\"@id\":\"https:\/\/www.sanctionlab.com\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.sanctionlab.com\/#\/schema\/person\/17d7f03620d8d417748dab41644ff547\",\"name\":\"the bell\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ko-KR\",\"@id\":\"https:\/\/www.sanctionlab.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2024\/12\/675a8e6a8ed88.png\",\"contentUrl\":\"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2024\/12\/675a8e6a8ed88.png\",\"caption\":\"the bell\"},\"url\":\"https:\/\/www.sanctionlab.com\/?author=44\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"\uacbd\uc601 \uc9c0\ud45c '\ucd5c\uc6b0\uc120 \uc21c\uc704' \ub41c \ubcf4\ud1b5\uc8fc\uc790\ubcf8\ube44\uc728 SanctionLab","description":"\uc740\ud589\uc9c0\uc8fc \ubcf4\ud1b5\uc8fc\uc790\ubcf8(CET1)\ube44\uc728 \uad00\ub9ac \uc911\uc694\uc131\uc774 \ub0a0\uc774 \uac08\uc218\ub85d \ucee4\uc9c0\uace0 \uc788\ub2e4. CET1\ube44\uc728\uc740 \uc740\ud589\uad8c\uc5d0\uc11c \ub2f9\uad6d \uaddc\uc81c\ub97c \ucda9\uc871\uc2dc\ud0a4\uace0 \uc2dc\uc2a4\ud15c \ub9ac\uc2a4\ud06c\uc5d0 \ub300\ube44\ud574 \ubcf4\ud1b5\uc8fc\uc790\ubcf8\uc744 \uc313\uae30 \uc704\ud55c \ubaa9\uc801\uc73c\ub85c \uad00\ub9ac\ub3fc \uc654\ub2e4. \ubc38\ub958\uc5c5 \ud504\ub85c\uadf8\ub7a8\uc744 \uc804\uba74\uc5d0 \ub0b4\uc138\uc6b4 \ub4a4\ub85c\ub294...","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.sanctionlab.com\/?p=35562","og_locale":"ko_KR","og_type":"article","og_title":"\uacbd\uc601 \uc9c0\ud45c '\ucd5c\uc6b0\uc120 \uc21c\uc704' \ub41c \ubcf4\ud1b5\uc8fc\uc790\ubcf8\ube44\uc728 SanctionLab","og_description":"\uc740\ud589\uc9c0\uc8fc \ubcf4\ud1b5\uc8fc\uc790\ubcf8(CET1)\ube44\uc728 \uad00\ub9ac \uc911\uc694\uc131\uc774 \ub0a0\uc774 \uac08\uc218\ub85d \ucee4\uc9c0\uace0 \uc788\ub2e4. CET1\ube44\uc728\uc740 \uc740\ud589\uad8c\uc5d0\uc11c \ub2f9\uad6d \uaddc\uc81c\ub97c \ucda9\uc871\uc2dc\ud0a4\uace0 \uc2dc\uc2a4\ud15c \ub9ac\uc2a4\ud06c\uc5d0 \ub300\ube44\ud574 \ubcf4\ud1b5\uc8fc\uc790\ubcf8\uc744 \uc313\uae30 \uc704\ud55c \ubaa9\uc801\uc73c\ub85c \uad00\ub9ac\ub3fc \uc654\ub2e4. \ubc38\ub958\uc5c5 \ud504\ub85c\uadf8\ub7a8\uc744 \uc804\uba74\uc5d0 \ub0b4\uc138\uc6b4 \ub4a4\ub85c\ub294...","og_url":"https:\/\/www.sanctionlab.com\/?p=35562","og_site_name":"SanctionLab","article_published_time":"2025-07-28T05:03:48+00:00","article_modified_time":"2025-07-29T01:45:55+00:00","og_image":[{"width":640,"height":385,"url":"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/07\/20250728110135800_n.jpg","type":"image\/jpeg"}],"author":"the bell","twitter_card":"summary_large_image","twitter_misc":{"\uae00\uc4f4\uc774":"the bell","\uc608\uc0c1 \ub418\ub294 \ud310\ub3c5 \uc2dc\uac04":"3\ubd84"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.sanctionlab.com\/?p=35562#article","isPartOf":{"@id":"https:\/\/www.sanctionlab.com\/?p=35562"},"author":{"name":"the bell","@id":"https:\/\/www.sanctionlab.com\/#\/schema\/person\/17d7f03620d8d417748dab41644ff547"},"headline":"\uacbd\uc601 \uc9c0\ud45c ‘\ucd5c\uc6b0\uc120 \uc21c\uc704’ \ub41c \ubcf4\ud1b5\uc8fc\uc790\ubcf8\ube44\uc728","datePublished":"2025-07-28T05:03:48+00:00","dateModified":"2025-07-29T01:45:55+00:00","mainEntityOfPage":{"@id":"https:\/\/www.sanctionlab.com\/?p=35562"},"wordCount":28,"commentCount":0,"publisher":{"@id":"https:\/\/www.sanctionlab.com\/#organization"},"image":{"@id":"https:\/\/www.sanctionlab.com\/?p=35562#primaryimage"},"thumbnailUrl":"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/07\/20250728110135800_n.jpg","keywords":["CET1\ube44\uc728","\ubc38\ub958\uc5c5","\ubcf4\ud1b5\uc8fc\uc790\ubcf8\ube44\uc728","\uc2dc\uc2a4\ud15c \ub9ac\uc2a4\ud06c","\uc8fc\uc8fc\ud658\uc6d0"],"articleSection":["\ub354\ubca8","\ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4","\ud55c\uad6d"],"inLanguage":"ko-KR","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.sanctionlab.com\/?p=35562#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.sanctionlab.com\/?p=35562","url":"https:\/\/www.sanctionlab.com\/?p=35562","name":"\uacbd\uc601 \uc9c0\ud45c '\ucd5c\uc6b0\uc120 \uc21c\uc704' \ub41c \ubcf4\ud1b5\uc8fc\uc790\ubcf8\ube44\uc728 SanctionLab","isPartOf":{"@id":"https:\/\/www.sanctionlab.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.sanctionlab.com\/?p=35562#primaryimage"},"image":{"@id":"https:\/\/www.sanctionlab.com\/?p=35562#primaryimage"},"thumbnailUrl":"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/07\/20250728110135800_n.jpg","datePublished":"2025-07-28T05:03:48+00:00","dateModified":"2025-07-29T01:45:55+00:00","description":"\uc740\ud589\uc9c0\uc8fc \ubcf4\ud1b5\uc8fc\uc790\ubcf8(CET1)\ube44\uc728 \uad00\ub9ac \uc911\uc694\uc131\uc774 \ub0a0\uc774 \uac08\uc218\ub85d \ucee4\uc9c0\uace0 \uc788\ub2e4. CET1\ube44\uc728\uc740 \uc740\ud589\uad8c\uc5d0\uc11c \ub2f9\uad6d \uaddc\uc81c\ub97c \ucda9\uc871\uc2dc\ud0a4\uace0 \uc2dc\uc2a4\ud15c \ub9ac\uc2a4\ud06c\uc5d0 \ub300\ube44\ud574 \ubcf4\ud1b5\uc8fc\uc790\ubcf8\uc744 \uc313\uae30 \uc704\ud55c \ubaa9\uc801\uc73c\ub85c \uad00\ub9ac\ub3fc \uc654\ub2e4. \ubc38\ub958\uc5c5 \ud504\ub85c\uadf8\ub7a8\uc744 \uc804\uba74\uc5d0 \ub0b4\uc138\uc6b4 \ub4a4\ub85c\ub294...","breadcrumb":{"@id":"https:\/\/www.sanctionlab.com\/?p=35562#breadcrumb"},"inLanguage":"ko-KR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.sanctionlab.com\/?p=35562"]}]},{"@type":"ImageObject","inLanguage":"ko-KR","@id":"https:\/\/www.sanctionlab.com\/?p=35562#primaryimage","url":"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/07\/20250728110135800_n.jpg","contentUrl":"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/07\/20250728110135800_n.jpg","width":640,"height":385},{"@type":"BreadcrumbList","@id":"https:\/\/www.sanctionlab.com\/?p=35562#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"\ud648","item":"https:\/\/www.sanctionlab.com\/"},{"@type":"ListItem","position":2,"name":"\uacbd\uc601 \uc9c0\ud45c ‘\ucd5c\uc6b0\uc120 \uc21c\uc704’ \ub41c \ubcf4\ud1b5\uc8fc\uc790\ubcf8\ube44\uc728"}]},{"@type":"WebSite","@id":"https:\/\/www.sanctionlab.com\/#website","url":"https:\/\/www.sanctionlab.com\/","name":"SanctionLab","description":"\uc0dd\ud06c\uc158\ub7a9\uc740 '\uacbd\uc81c \uc548\ubcf4' \uc815\ubcf4 \uc81c\uacf5 \uc2a4\ud0c0\ud2b8\uc5c5\uc785\ub2c8\ub2e4.","publisher":{"@id":"https:\/\/www.sanctionlab.com\/#organization"},"alternateName":"\uc0dd\ud06c\uc158\ub7a9, \uc0dd\uc158\ub7a9, \uc81c\uc7ac\uc5f0\uad6c\uc18c","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.sanctionlab.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ko-KR"},{"@type":"Organization","@id":"https:\/\/www.sanctionlab.com\/#organization","name":"SanctionLab","alternateName":"\uc0dd\ud06c\uc158\ub7a9","url":"https:\/\/www.sanctionlab.com\/","logo":{"@type":"ImageObject","inLanguage":"ko-KR","@id":"https:\/\/www.sanctionlab.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2024\/05\/cropped-san-fav.png","contentUrl":"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2024\/05\/cropped-san-fav.png","width":512,"height":512,"caption":"SanctionLab"},"image":{"@id":"https:\/\/www.sanctionlab.com\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.sanctionlab.com\/#\/schema\/person\/17d7f03620d8d417748dab41644ff547","name":"the bell","image":{"@type":"ImageObject","inLanguage":"ko-KR","@id":"https:\/\/www.sanctionlab.com\/#\/schema\/person\/image\/","url":"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2024\/12\/675a8e6a8ed88.png","contentUrl":"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2024\/12\/675a8e6a8ed88.png","caption":"the bell"},"url":"https:\/\/www.sanctionlab.com\/?author=44"}]}},"_links":{"self":[{"href":"https:\/\/www.sanctionlab.com\/index.php?rest_route=\/wp\/v2\/posts\/35562","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sanctionlab.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sanctionlab.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sanctionlab.com\/index.php?rest_route=\/wp\/v2\/users\/44"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sanctionlab.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=35562"}],"version-history":[{"count":1,"href":"https:\/\/www.sanctionlab.com\/index.php?rest_route=\/wp\/v2\/posts\/35562\/revisions"}],"predecessor-version":[{"id":35565,"href":"https:\/\/www.sanctionlab.com\/index.php?rest_route=\/wp\/v2\/posts\/35562\/revisions\/35565"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sanctionlab.com\/index.php?rest_route=\/wp\/v2\/media\/35563"}],"wp:attachment":[{"href":"https:\/\/www.sanctionlab.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=35562"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sanctionlab.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=35562"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sanctionlab.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=35562"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}