{"id":40607,"date":"2025-09-12T13:32:35","date_gmt":"2025-09-12T04:32:35","guid":{"rendered":"https:\/\/www.sanctionlab.com\/?p=40607"},"modified":"2025-09-16T10:18:55","modified_gmt":"2025-09-16T01:18:55","slug":"%eb%8c%80%ec%b6%9c-%eb%ac%b8%ed%84%b1-%eb%86%92%ec%9d%b8-%ec%9b%b0%ec%bb%b4%ec%a0%80%ec%b6%95-%ec%88%98%ec%9d%b5%eb%8b%a4%ea%b0%81%ed%99%94-%ed%82%a4%eb%8a%94-%ec%9c%a0%ea%b0%80%ec%a6%9d%ea%b6%8c","status":"publish","type":"post","link":"https:\/\/www.sanctionlab.com\/?p=40607","title":{"rendered":"\ub300\ucd9c \ubb38\ud131 \ub192\uc778 \uc6f0\ucef4\uc800\ucd95, \uc218\uc775\ub2e4\uac01\ud654 \ud0a4\ub294 &#8216;\uc720\uac00\uc99d\uad8c&#8217;"},"content":{"rendered":"<h3>|\u2460 &#8216;\ube455&#8217; \uc911 \uac00\uc7a5 \ub0ae\uc740 \uc608\ub300\uc728, \uc5ec\uc2e0 \uc0ac\ud6c4\uad00\ub9ac \uc9d1\uc911\u2026\ub9e4\ub3c4\uac00\ub2a5\ud3c9\uac00\uc774\uc775\ub3c4 \uac1c\uc120<\/h3>\n<p>\uc6f0\ucef4\uc800\ucd95\uc740\ud589\uc774 \ubcf4\uc218\uc801\uc73c\ub85c \ub300\ucd9c\uc744 \uc9d1\ud589\ud558\uba70 \ub9ac\uc2a4\ud06c \uad00\ub9ac\uc5d0 \uc8fc\ub825\ud558\uace0 \uc788\ub2e4. \uc62c\ud574\ub3c4 \uc608\uc218\ubd80\ucc44\uc640 \ub300\ucd9c\ucc44\uad8c \uaddc\ubaa8\ub97c \ubaa8\ub450 \uc904\uc774\uba70 \uc9c8\uc801 \uce21\uba74\uc5d0\uc11c \uad00\ub9ac\ub97c \uc774\uc5b4 \ub098\uac14\ub2e4. \uc608\ub300\uc728\uc740 90% \ub0b4\uc678\uc5d0\uc11c \uad00\ub9ac\ud558\uace0 \uc788\ub2e4. \uacbd\uc7c1\uc0ac\uc778 &#8216;\ube455&#8217; \uc800\ucd95\uc740\ud589\uacfc \ube44\uad50\ud574 \uac00\uc7a5 \ub0ae\uc740 \uc218\uce58\ub2e4.<\/p>\n<p>\uc6f0\ucef4\uc800\ucd95\uc740\ud589\uc740 \ub300\ucd9c \ubb38\ud131\uc744 \ub192\uc778 \ub300\uc2e0 \uc720\uac00\uc99d\uad8c \ud22c\uc790\ub97c \ud655\ub300\ud574 \uc218\uc775 \ub2e4\ubcc0\ud654\uc5d0 \ub098\uc130\ub2e4. \ud2b9\ud788 \uc218\uc775\uc99d\uad8c\uc744 \uc911\uc2ec\uc73c\ub85c \uc6b4\uc6a9 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \ub2e4\uac01\ud654\ud588\ub2e4. \uc791\ub144 \ud22c\uc790\uae08\uc735\ubcf8\ubd80\ub97c \uc2e0\uc124\ud558\uace0 \ubca4\ucc98\uce90\ud53c\ud0c8(VC) \ubd84\uc57c \uc804\ubb38\uac00\ub97c \uc601\uc785\ud558\uba70 \uc790\uc0b0\uc6b4\uc6a9 \uc804\ubb38\uc131\uc744 \uac15\ud654\ud55c \uacb0\uacfc\ub2e4.<\/p>\n<p><strong>\u25c7\ubcf4\uc218\uc801 \uc601\uc5c5 \uae30\uc870\uc5d0 \ucd1d\uc5ec\uc2e0 \uc57d 1\uc8702000\uc5b5\uc6d0 \uac10\uc18c<\/strong><\/p>\n<p>\uc800\ucd95\uc740\ud589\uc5c5\uacc4\uc5d0 \ub530\ub974\uba74 \uc62c \uc0c1\ubc18\uae30 \uc6f0\ucef4\uc800\ucd95\uc740\ud589\uc758 \uc608\ub300\uc728\uc740 89.78%\ub2e4. \uc804\ubd84\uae30(90.61%)\ubcf4\ub2e4 0.83\ud3ec\uc778\ud2b8(p) \ud558\ub77d\ud55c \uc218\uce58\ub85c, \ube455 \uc800\ucd95\uc740\ud589 \uac00\uc6b4\ub370 \uc720\uc77c\ud558\uac8c 90%\ubcf4\ub2e4 \ub0ae\uc740 \uc608\ub300\uc728\uc744 \uae30\ub85d\ud588\ub2e4. \ub300\ud615\uc0ac \uac00\uc6b4\ub370 \ud55c\uad6d\ud22c\uc790\uc800\ucd95\uc740\ud589\uc774 99.64%\ub85c \uac00\uc7a5 \ub192\uc558\uace0 \uc560\ud050\uc628\uc800\ucd95\uc740\ud589(98.86%), SBI\uc800\ucd95\uc740\ud589(97.73%), OK\uc800\ucd95\uc740\ud589(96.66%) \ub4f1\uc774 \ub4a4\ub97c \uc774\uc5c8\ub2e4.<\/p>\n<div><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-40609\" src=\"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/09\/20250912123304596.png\" alt=\"\" width=\"411\" height=\"250\" srcset=\"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/09\/20250912123304596.png 411w, https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/09\/20250912123304596-300x182.png 300w, https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/09\/20250912123304596-150x91.png 150w\" sizes=\"auto, (max-width: 411px) 100vw, 411px\" \/><\/div>\n<p>2020\ub144 \uc608\ub300\uc728 \uaddc\uc81c \uc0c1\ud55c\uc120\uc778 100%\uc5d0 \uc721\ubc15\ud588\ub358 \uc608\ub300\uc728\uc740 2021\ub144 84.89%\ub85c \ud558\ub77d\ud55c \ub4a4 2022\ub144 88.70%, 2023\ub144 89.07%, 2024\ub144 89.48%\ub85c 90%\ub97c \ubc11\ub3c4\ub294 \ubaa8\uc2b5\uc774\ub2e4. \uae08\uc735\ub2f9\uad6d\uc740 2022\ub144 10\uc6d4 \ub808\uace0\ub79c\ub4dc \uc0ac\ud0dc\ub85c \uc720\ub3d9\uc131 \uc704\uae30\uac00 \uc2dc\uc791\ub418\uc790 \uc608\ub300\uc728 \uaddc\uc81c\ub97c \uae30\uc874 100%\uc5d0\uc11c 110%\uae4c\uc9c0 \ud480\uae30\ub3c4 \ud588\uc73c\ub098 \uc62c 7\uc6d4 100%\ub85c \ubcf5\uc6d0\ud588\ub2e4.<\/p>\n<p>\uc6f0\ucef4\uc800\ucd95\uc740\ud589\uc774 \ud0c0 \uc800\ucd95\uc740\ud589\ubcf4\ub2e4 \uc608\ub300\uc728\uc744 \ub0ae\uac8c \uc720\uc9c0\ud558\ub294 \uac74 \ub9ac\uc2a4\ud06c \uad00\ub9ac \ucc28\uc6d0\uc73c\ub85c \ud574\uc11d\ub41c\ub2e4. \ub300\ucd9c \uaddc\ubaa8\ub97c \ubb34\ub9ac\ud558\uac8c \ud655\ub300\ud558\uc9c0 \uc54a\uace0, \uc790\uc0b0 \uac74\uc804\uc131\uc744 \uc6b0\uc120\uc2dc\ud558\uba70 \uc678\ubd80 \ucda9\uaca9\uc5d0 \ub300\ud55c \ubc29\uc5b4\ub825\uc744 \ud655\ubcf4\ud558\ub294 \uc804\ub7b5\uc774\ub2e4. \ud2b9\ud788 \uc911\u00b7\uc800\uc2e0\uc6a9\uc790 \ub300\ucd9c\uc774 \ub9ce\uc740 \uc5c5\uad8c \ud2b9\uc131\uc0c1 \uc5ec\uc2e0 \ubb38\ud131\uc744 \ub192\uc5ec \uacbd\uae30 \ubcc0\ub3d9\uc5d0 \ub530\ub978 \uc5f0\uccb4\uc728 \uc0c1\uc2b9 \uc704\ud5d8\uc744 \ucc28\ub2e8\ud558\uae30 \uc704\ud55c \uc870\uce58\ub85c \ud480\uc774\ub41c\ub2e4.<\/p>\n<p>\uc774\ub807\ub2e4 \ubcf4\ub2c8 \ub300\ucd9c \uaddc\ubaa8\ub3c4 \uac00\ud30c\ub974\uac8c \ucd95\uc18c\ub410\ub2e4. 2022\ub144 5\uc8707314\uc5b5\uc6d0\uc5d0 \ub2ec\ud588\ub358 \ucd1d\uc5ec\uc2e0\uc740 \uc62c \uc0c1\ubc18\uae30 4\uc8705536\uc5b5\uc6d0\uae4c\uc9c0 \uac10\uc18c\ud588\ub2e4. \uc5f0\uccb4 \uc6b0\ub824\uac00 \ud070 \ub300\ucd9c\uc790\uc0b0\uc744 \uc0c1\u00b7\ub9e4\uac01\ud558\ub294 \ub3d9\uc2dc\uc5d0 \uace0\uc704\ud5d8\uad70 \ucc28\uc8fc\uc5d0 \ub300\ud55c \uc5ec\uc2e0 \uc2ec\uc0ac\ub97c \uac15\ud654\ud558\uba70 \uc120\uc81c\uc801\uc73c\ub85c \ubd80\uc2e4 \ub178\ucd9c\uc744 \uc904\uc5ec\ub098\uac04 \uacb0\uacfc\ub2e4.<\/p>\n<p>\uc800\ucd95\uc740\ud589 \ud55c \uad00\uacc4\uc790\ub294 \u201c\uc6f0\ucef4\uc800\ucd95\uc740\ud589\uc774 \uacf5\uaca9\uc801 \uc601\uc5c5 \ub300\uc2e0 \ub9ac\uc2a4\ud06c \uad00\ub9ac\uc640 \ud22c\uc790 \ub2e4\ubcc0\ud654\ub85c \ubc29\ud5a5\uc744 \ud2c0\uc5c8\ub2e4\u201d\uba70 \u201c\uacbd\uae30 \uce68\uccb4\ub85c \uc911\uc18c\uae30\uc5c5\uc774\ub098 \uc911\u00b7\uc800\uc2e0\uc6a9\uc790\uc758 \uc0c1\ud658 \uc5ec\ub825\uc774 \ud68c\ubcf5\ub418\uc9c0 \uc54a\uc740 \ub9cc\ud07c \ub2e8\uae30\uc801\uc73c\ub85c \uc774\uc790\uc218\uc775\uc774 \uc904\uc5b4\ub4dc\ub294 \uac78 \uac10\uc218\ud558\uace0 \uac74\uc804\uc131 \uc9c0\ud45c \ud68c\ubcf5\uc5d0 \ubc29\uc810\uc744 \ucc0d\uc740 \uc870\uce58&#8221;\ub77c\uace0 \uc124\uba85\ud588\ub2e4.<\/p>\n<p><strong>\u25c7\ube44\uc774\uc790 \uc218\uc775 \uae30\ubc18 \ub9c8\ub828, \ud55c\ub3c4 \uaddc\uc81c\ub294 \uac78\ub9bc\ub3cc<\/strong><\/p>\n<p>\uc6f0\ucef4\uc800\ucd95\uc740\ud589\uc740 \uc815\uae30\uc608\uae08\uc744 \ud1b5\ud574 \ud655\ubcf4\ud55c \uc790\uae08\uc744 \ub300\ucd9c \ub300\uc2e0 \uc720\uac00\uc99d\uad8c \ud22c\uc790\ub97c \uc801\uadf9 \ud65c\uc6a9\ud558\uace0 \uc788\ub2e4. 2021\ub144 \ub9d0 422\uc5b5\uc6d0\uc774\uc5c8\ub358 \uc720\uac00\uc99d\uad8c \uaddc\ubaa8\ub294 \uc62c \uc0c1\ubc18\uae30 4937\uc5b5\uc6d0\uae4c\uc9c0 \ubd88\uc5b4\ub0ac\ub2e4. \ub300\ucd9c \uc758\uc874\ub3c4\ub97c \ub0ae\ucd94\uace0 \uc548\uc815\uc801\uc778 \ud22c\uc790 \uc218\uc775\uc73c\ub85c \uc774\uc775 \uad6c\uc870\ub97c \ubcf4\uc644\ud558\ub824\ub294 \uc804\ub7b5\uc801 \uc120\ud0dd\uc73c\ub85c \ud480\uc774\ub41c\ub2e4.<\/p>\n<div><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-40608\" src=\"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/09\/20250912123810340.png\" alt=\"\" width=\"628\" height=\"442\" srcset=\"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/09\/20250912123810340.png 628w, https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/09\/20250912123810340-300x211.png 300w, https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/09\/20250912123810340-150x106.png 150w\" sizes=\"auto, (max-width: 628px) 100vw, 628px\" \/><\/div>\n<p>\ud2b9\ud788 \uc8fc\uc2dd\uacfc \ucc44\uad8c \ud22c\uc790\uac00 \uc544\ub2cc \uc218\uc775\uc99d\uad8c\uc744 \uc911\uc2ec\uc73c\ub85c \uc6b4\uc6a9\uc744 \ud655\ub300\ud588\ub2e4. \uace0\uc815\uc774\ud558\ucc44\uad8c(NPL) \ud380\ub4dc\ubfd0 \uc544\ub2c8\ub77c \ubd80\ub3d9\uc0b0\ud380\ub4dc, \uacf5\ubaa8\uc8fc \ud380\ub4dc \ub4f1 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \ud655\ub300\ud588\ub2e4. \uc2e4\uc81c \ub9e4\ub3c4\uac00\ub2a5\ud3c9\uac00\uc190\uc775\uc740 132\uc5b5\uc6d0\uc73c\ub85c \uc791\ub144 \ub9d0(111\uc5b5\uc6d0)\ubcf4\ub2e4 21\uc5b5\uc6d0\uac00\ub7c9 \uc99d\uac00\ud588\ub2e4.<\/p>\n<p>\uc6f0\ucef4\uc800\ucd95\uc740\ud589\uc740 \ube44\uc774\uc790 \uc218\uc775 \uae30\ubc18\uc744 \ub9c8\ub828\ud574 \uc218\uc775\uc131\uc744 \uac1c\uc120\ud55c\ub2e8 \ubc29\uce68\uc774\ub2e4. \uadf8\ub7ec\ub098 \uc720\uac00\uc99d\uad8c \ud22c\uc790\ud55c\ub3c4 \uaddc\uc81c\ub85c \ucd94\uac00 \ud655\ub300 \uc5ec\ub825\uc5d0\ub294 \uc81c\uc57d\uc774 \ub530\ub978\ub2e4. \uc800\ucd95\uc740\ud589\uc740 \uc790\uae30\uc790\ubcf8 50% \uc774\ub0b4\uc5d0\uc11c \uc8fc\uc2dd \ud22c\uc790\ub97c \ud560 \uc218 \uc788\ub2e4. \uc9d1\ud569 \ud22c\uc790\uc99d\uad8c(\ud380\ub4dc)\uc740 \uc790\uae30\uc790\ubcf8 20% \uc774\ub0b4\uc5d0\uc11c\ub9cc \uac00\ub2a5\ud558\ub2e4. \uc62c \uc0c1\ubc18\uae30 \uc6f0\ucef4\uc800\ucd95\uc740\ud589\uc758 \uc790\uae30\uc790\ubcf8\uc740 8118\uc5b5\uc6d0 \uc218\uc900\uc774\ub2e4.<\/p>\n<p>\uc6f0\ucef4\uc800\ucd95\uc740\ud589\uc740 \uc55e\uc11c \ud22c\uc790 \uc5ed\ub7c9 \uac15\ud654\ub97c \uc704\ud55c \uc870\uc9c1 \uac1c\ud3b8\uc744 \ub2e8\ud589\ud55c \ubc14 \uc788\ub2e4. \uc9c0\ub09c\ud574\uc5d0\ub294 \uae30\uc874 \uc5ec\uc2e0\ubcf8\ubd80 \uc544\ub798 \uc124\uce58\ub3fc \uc788\ub358 IB\uc601\uc5c5\ubd80\uc640 \uae30\uc5c5\uae08\uc735\ubcf8\ubd80 \uc0b0\ud558\uc758 \ud22c\uc790\uae08\uc735\ubcf8\ubd80\uac00 \ud569\uccd0 \ud22c\uc790\uc6b4\uc6a9\ubcf8\ubd80\ub97c \uc2e0\uc124\ud588\ub2e4. IBK\uce90\ud53c\ud0c8\uc5d0\uc11c VC \ud22c\uc790 \uc804\ubb38\uac00\ub85c \ud1b5\ud558\ub294 \ubc15\uc885\uc131 \uc804\ubb34\ub97c \uc601\uc785\ud574 \ubcf8\ubd80\uc7a5\uc73c\ub85c \uc120\uc784\ud588\ub2e4.<\/p>\n<p>\/ \uc720\uc815\ud654 \ub354\ubca8 \uae30\uc790<\/p>\n","protected":false},"excerpt":{"rendered":"<p>|\u2460 &#8216;\ube455&#8217; \uc911 \uac00\uc7a5 \ub0ae\uc740 \uc608\ub300\uc728, \uc5ec\uc2e0 \uc0ac\ud6c4\uad00\ub9ac \uc9d1\uc911\u2026\ub9e4\ub3c4\uac00\ub2a5\ud3c9\uac00\uc774\uc775\ub3c4 \uac1c\uc120 \uc6f0\ucef4\uc800\ucd95\uc740\ud589\uc774 \ubcf4\uc218\uc801\uc73c\ub85c \ub300\ucd9c\uc744 \uc9d1\ud589\ud558\uba70 \ub9ac\uc2a4\ud06c \uad00\ub9ac\uc5d0 \uc8fc\ub825\ud558\uace0 \uc788\ub2e4. \uc62c\ud574\ub3c4 \uc608\uc218\ubd80\ucc44\uc640 \ub300\ucd9c\ucc44\uad8c \uaddc\ubaa8\ub97c \ubaa8\ub450 \uc904\uc774\uba70 \uc9c8\uc801 \uce21\uba74\uc5d0\uc11c \uad00\ub9ac\ub97c \uc774\uc5b4 \ub098\uac14\ub2e4. \uc608\ub300\uc728\uc740 90% \ub0b4\uc678\uc5d0\uc11c \uad00\ub9ac\ud558\uace0 \uc788\ub2e4. \uacbd\uc7c1\uc0ac\uc778 &#8216;\ube455&#8217; \uc800\ucd95\uc740\ud589\uacfc \ube44\uad50\ud574 \uac00\uc7a5 \ub0ae\uc740 \uc218\uce58\ub2e4. \uc6f0\ucef4\uc800\ucd95\uc740\ud589\uc740 \ub300\ucd9c \ubb38\ud131\uc744 \ub192\uc778 \ub300\uc2e0 \uc720\uac00\uc99d\uad8c \ud22c\uc790\ub97c \ud655\ub300\ud574 \uc218\uc775 \ub2e4\ubcc0\ud654\uc5d0 \ub098\uc130\ub2e4. \ud2b9\ud788 \uc218\uc775\uc99d\uad8c\uc744 \uc911\uc2ec\uc73c\ub85c [&hellip;]<\/p>\n","protected":false},"author":44,"featured_media":40608,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[922,8,611],"tags":[2265,2207,7214,2354,7363],"class_list":{"0":"post-40607","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-ok","11":"tag-sbi","12":"tag-7214","13":"tag-2354","14":"tag-7363"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\ub300\ucd9c \ubb38\ud131 \ub192\uc778 \uc6f0\ucef4\uc800\ucd95, \uc218\uc775\ub2e4\uac01\ud654 \ud0a4\ub294 &#039;\uc720\uac00\uc99d\uad8c&#039; SanctionLab<\/title>\n<meta name=\"description\" content=\"\uc6f0\ucef4\uc800\ucd95\uc740\ud589\uc774 \ubcf4\uc218\uc801\uc73c\ub85c \ub300\ucd9c\uc744 \uc9d1\ud589\ud558\uba70 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