{"id":41799,"date":"2025-09-29T13:14:56","date_gmt":"2025-09-29T04:14:56","guid":{"rendered":"https:\/\/www.sanctionlab.com\/?p=41799"},"modified":"2025-09-30T23:48:10","modified_gmt":"2025-09-30T14:48:10","slug":"%ec%9a%b0%eb%a6%ac%ea%b8%88%ec%9c%b5-80%ec%a1%b0-%ec%83%9d%ea%b8%88-%ed%88%ac%ec%9e%90%ec%97%90%eb%8f%84-%ec%9e%90%eb%b3%b8%eb%b9%84%ec%9c%a8-%ea%b0%9c%ec%84%a0-%ec%9e%90%ec%8b%a0%ea%b0%90","status":"publish","type":"post","link":"https:\/\/www.sanctionlab.com\/?p=41799","title":{"rendered":"\uc6b0\ub9ac\uae08\uc735, 80\uc870 \uc0dd\uae08 \ud22c\uc790\uc5d0\ub3c4 &#8216;\uc790\ubcf8\ube44\uc728 \uac1c\uc120&#8217; \uc790\uc2e0\uac10"},"content":{"rendered":"<h3>|\uc5f0\ub9d0 \ubaa9\ud45c\uce58 12.5% \ub2ec\uc131 &#8216;\uc774\uc0c1 \ubb34&#8217;\u2026\uc804\ub2f4 \uc2ec\uc0ac\uc870\uc9c1 \uc2e0\uc124, \uc644\ud654\ub41c \ub2f9\uad6d \uaddc\uc81c \uc2ed\ubd84 \ud65c\uc6a9<\/h3>\n<p>\uc6b0\ub9ac\uae08\uc735\uc774 80\uc870\uc6d0 \uaddc\ubaa8\uc758 \uc0dd\uc0b0\uc801 \uae08\uc735 \uad00\ub828 \ud22c\uc790 \uacc4\ud68d\uc744 \ubc1c\ud45c\ud558\uba74\uc11c \uc790\ubcf8\ube44\uc728 \uad00\ub9ac\uc5d0\ub3c4 \uc790\uc2e0\uac10\uc744 \ub4dc\ub7ec\ub0c8\ub2e4. \uc5f0\ub9d0 \ubcf4\ud1b5\uc8fc\uc790\ubcf8(CET1)\ube44\uc728 12.5% \ub2ec\uc131\uc5d0 \ubb34\ub9ac\uac00 \uc5c6\ub294 \uc120\uc5d0\uc11c \ud22c\uc790\uc5d0 \ub098\uc124 \uac83\uc774\ub780 \ubc29\uce68\uc774\ub2e4. \uc8fc\uc8fc\uc5d0\uac8c \uc57d\uc18d\ud55c \ubc38\ub958\uc5c5 \ud504\ub85c\uadf8\ub7a8 \uc774\ud589\uc5d0 \ucc28\uc9c8\uc774 \uc788\uc744 \uc218 \uc788\ub2e4\ub294 \uc6b0\ub824\ub97c \uc77c\ucd95\uc2dc\ud0a4\uae30 \uc704\ud574 \uc7ac\ubb34 \uc6d0\uce59\uc744 \uc218\ub9bd\ud55c \uac83\uc73c\ub85c \ud480\uc774\ub41c\ub2e4.<\/p>\n<p>\uac00\uacc4\ub300\ucd9c\uc744 \uc904\uc774\uace0 \uae30\uc5c5 \uc5ec\uc2e0\uacfc \ud22c\uc790\ub97c \ub298\ub9ac\ub294 \uacfc\uc815\uc5d0\uc11c \uc704\ud5d8\uac00\uc911\uc790\uc0b0(RWA) \uc99d\uac00\uac00 \ubd88\uac00\ud53c\ud558\uc9c0\ub9cc \uc790\uc0b0 \ub9ac\ubc38\ub7f0\uc2f1\uc744 \ud1b5\ud574 \uc790\ubcf8\ube44\uc728\uc744 \uc810\uc9c4\uc801\uc73c\ub85c \uac1c\uc120\ud560 \uc218 \uc788\ub2e4\ub294 \uacc4\uc0b0\uc774 \uae54\ub838\ub2e4. \uc774\ub97c \uc704\ud574 \ud22c\uc790 \uc804\ub2f4 \uc2ec\uc0ac\uc870\uc9c1\uc744 \uc2e0\uc124\ud558\uace0 \uadf8\ub8f9\uc2e0\uc6a9\ud3c9\uac00\ubaa8\ud615\uc744 \uace0\ub3c4\ud654\ud55c\ub2e4\ub294 \uacc4\ud68d\uc774\ub2e4. \uae08\uc735 \ub2f9\uad6d\uc774 \uc644\ud654\ud574\uc8fc\uae30\ub85c \ud55c \uc0c8\ub85c\uc6b4 \uc704\ud5d8\uac00\uc911\uce58 \uc801\uc6a9 \uccb4\uacc4\ub3c4 \uc2ed\ubd84 \ud65c\uc6a9\ud55c\ub2e4.<\/p>\n<p><strong>\u25c7\uc5ec\uc2e0\u00b7\ud22c\uc790 \ud655\ub300, \uc790\ubcf8\ube44\uc728 \uad00\ub9ac \ubd80\ub2f4 \uac00\uc911 \ubd88\uac00\ud53c<\/strong><\/p>\n<p>29\uc77c \uc11c\uc6b8 \uc911\uad6c \uc6b0\ub9ac\uc740\ud589 \ubcf8\uc810\uc5d0\uc11c \uc5f4\ub9b0 \uac04\ub2f4\ud68c\uc5d0\uc11c \uc784\uc885\ub8e1 \uc6b0\ub9ac\uae08\uc735 \ud68c\uc7a5\uc740 &#8220;\uc0dd\uc0b0\uc801 \uae08\uc735 \ud504\ub85c\uc81d\ud2b8\ub97c \ucd94\uc9c4\ud558\uba74\uc11c \uc790\ubcf8\uc548\uc815\uc131\uc744 \uc911\uc2dc\ud558\ub294 \uac74 \ubcf4\ud1b5\uc8fc\uc790\ubcf8(CET1)\ube44\uc728 \uad00\ub9ac \uacc4\ud68d\uc774 \uc8fc\uc8fc\ud658\uc6d0\uacfc \uc5f0\uacc4\ub3fc \uc788\uae30 \ub54c\ubb38&#8221;\uc774\ub77c\uba70 &#8220;\uc790\ubcf8\uc548\uc815\uc131 \ubaa9\ud45c\uc5d0 \ubcc0\ud654\uac00 \uc5c6\uace0 \uacc4\ud68d\uc5d0 \ubcc0\uacbd\uc744 \uc8fc\uc9c0 \uc54a\ub294\ub2e4\ub294 \uac8c \uccab\ubc88\uc9f8 \uc6d0\uce59&#8221;\uc774\ub77c\uace0 \ub9d0\ud588\ub2e4.<\/p>\n<div><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-41800\" src=\"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/09\/20250929122808508_n.jpg\" alt=\"\" width=\"640\" height=\"480\" srcset=\"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/09\/20250929122808508_n.jpg 640w, https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/09\/20250929122808508_n-300x225.jpg 300w, https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/09\/20250929122808508_n-150x113.jpg 150w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/div>\n<p>\uc784 \ud68c\uc7a5\uc774 \uc790\ubcf8\ube44\uc728 \uad00\ub9ac \uacc4\ud68d\uc5d0 \ub300\ud574 \uc5b8\uae09\ud55c \uac74 \uc0dd\uc0b0\uc801 \uae08\uc735 \uad00\ub828 \uc5ec\uc2e0\uacfc \ud22c\uc790\uac00 CET1\ube44\uc728\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\uae30 \ub54c\ubb38\uc774\ub2e4. \uc6b0\ub9ac\uae08\uc735\uc740 \ucd1d 80\uc870\uc6d0 \uaddc\ubaa8\uc758 \uc0dd\uc0b0\uc801 \uae08\uc735 \ud22c\uc790 \uacc4\ud68d\uc744 \uacf5\uac1c\ud588\ub2e4. \uad6d\ubbfc\uc131\uc7a5\ud380\ub4dc \ucc38\uc5ec 10\uc870\uc6d0, \uc790\uccb4 \ud22c\uc790 7\uc870\uc6d0, \ucca8\ub2e8\uc804\ub7b5\uc0b0\uc5c5 \uc0dd\ud0dc\uacc4 \uc735\uc790 56\uc870\uc6d0 \ub4f1\uc758 \uacc4\ud68d\uc774 \ud3ec\ud568\ub410\ub2e4.<\/p>\n<p>\uc790\uc0b0 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc5d0\uc11c \ud070 \ube44\uc911\uc744 \ucc28\uc9c0\ud558\uc9c0 \uc54a\uc558\ub358 \ud22c\uc790\uac00 \ub298\uc5b4\ub098\uba74\uc11c CET1\ube44\uc728 \uc0c1\uc2b9 \uc555\ub825\uc774 \uc791\uc6a9\ud560 \uac83\uc774\ub780 \ubd84\uc11d\uc774 \ub098\uc628\ub2e4. \uc8fc\uc2dd\uc758 \uacbd\uc6b0 250%\uc758 \uc704\ud5d8\uac00\uc911\uce58\uac00 \uc801\uc6a9\ub41c\ub2e4. \uad6d\ubbfc\uc131\uc7a5\ud380\ub4dc\uc5d0 \uc815\ucc45 \ud380\ub4dc \uae30\uc900 \uc704\ud5d8\uac00\uc911\uce58\uac00 \uc801\uc6a9\ub41c\ub2e4 \ud574\ub3c4 \uc790\uccb4 \ud22c\uc790\uc5d0 \ub530\ub978 \uc790\ubcf8\ube44\uc728 \uad00\ub9ac \ubd80\ub2f4\uc774 \ucee4\uc9c8 \uac83\uc73c\ub85c \uad00\uce21\ub41c\ub2e4.<\/p>\n<p>\ucca8\ub2e8\uc804\ub7b5\uc0b0\uc5c5\uc5d0 56\uc870\uc6d0\uc758 \uc5ec\uc2e0\uc744 \uc81c\uacf5\ud558\ub294 \uac83\ub3c4 \uc790\ubcf8\ube44\uc728 \uad00\ub9ac \ub09c\uc774\ub3c4\ub97c \ub192\uc778\ub2e4. \uc6b0\ub9ac\uae08\uc735\uc740 \uae08\uc735 \ub2f9\uad6d \ubc29\uce68\uc5d0 \ub9de\ucdb0 \uac00\uacc4\ub300\ucd9c \ube44\uc911\uc744 \uc904\uc774\uace0 \ucca8\ub2e8\uc804\ub7b5\uc0b0\uc5c5 \uc139\ud130 \ub300\uae30\uc5c5, \uc218\ucd9c\uae30\uc5c5, \uc911\uacac\uae30\uc5c5, \uc911\uc18c\uae30\uc5c5 \ub300\ucd9c\uc744 \ub298\ub9ac\uae30\ub85c \ud588\ub2e4. \uae30\uc5c5\ub300\ucd9c \uc704\ud5d8\uac00\uc911\uce58\ub294 20%\uc778 \uac00\uacc4\ub300\ucd9c \uc704\ud5d8\uac00\uc911\uce58\uc758 2\ubc30\uac00\ub7c9\uc778 43% \uc218\uc900\uc774\ub2e4.<\/p>\n<p>\uc774\uac19\uc740 \uc790\ubcf8\ube44\uc728 \ud558\ub77d \uc694\uc778\uc774 \ubcf5\ud569\uc801\uc73c\ub85c \ubc1c\uc0dd\ud568\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc6b0\ub9ac\uae08\uc735\uc740 \uccb4\uacc4\uc801\uc778 \ub300\uc751\uc744 \ubc14\ud0d5\uc73c\ub85c CET1\ube44\uc728 \uad00\ub9ac \ubaa9\ud45c\uce58\ub97c \ub2ec\uc131\ud55c\ub2e4\ub294 \uad6c\uc0c1\uc774\ub2e4. \uc0dd\uc0b0\uc801 \uae08\uc735 \uc774\ud589\uc774 \uc55e\uc11c \ubc1c\ud45c\ud55c \ubc38\ub958\uc5c5 \ud504\ub85c\uadf8\ub7a8 \uc2e4\ud589\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce58\uc9c0 \uc54a\ub3c4\ub85d \ud558\ub294 \uac83\uc744 \uccab\ubc88\uc9f8 \uc6d0\uce59\uc73c\ub85c \uc0bc\uae30\ub85c \ud588\ub2e4.<\/p>\n<p><strong>\u25c7&#8221;\uc790\ubcf8\uc548\uc815\uc131 \uc2dc\ubbac\ub808\uc774\uc158 \uc644\ub8cc&#8221;<\/strong><\/p>\n<p>\uc6b0\ub9ac\uae08\uc735\uc740 \uc790\uccb4 \uc2dc\ubbac\ub808\uc774\uc158\uc744 \uc2e4\ud589\ud55c \uacb0\uacfc \uc5f0\ub9d0 \ubaa9\ud45c\uce58\uc778 CET1\ube44\uc728 12.5%\ub97c \ub2ec\uc131\ud558\ub294 \ub370 \ubb34\ub9ac\uac00 \uc5c6\ub2e4\uace0 \ubc1d\ud614\ub2e4. \uc0c1\ubc18\uae30 \uc774\ubbf8 \uc5f0\ub9d0 \ubaa9\ud45c\uce58\ub97c \uc6c3\ub3c4\ub294 12.82%\ub97c \uae30\ub85d\ud588\uace0 \uc0dd\uc0b0\uc801 \uae08\uc735 \ud22c\uc790\ub97c \uac10\uc548\ud574\ub3c4 12.5%\ub97c \ubc11\ub3c4\ub294 \uc218\uc900\uc73c\ub85c CET1\ube44\uc728\uc774 \ub0ae\uc544\uc9c0\uc9c0 \uc54a\uc744 \uac83\uc774\ub780 \uc124\uba85\uc774\ub2e4.<\/p>\n<p>\ubcf8\uaca9\uc801\uc778 CET1\ube44\uc728 \uad00\ub9ac \uc2dc\ud5d8\ub300\ub294 \ub0b4\ub144\uc774\ub2e4. \uc6b0\ub9ac\uae08\uc735\uc740 \ub0b4\ub144 2\uc870\uc6d0 \uaddc\ubaa8\ub85c \uad6d\ubbfc\uc131\uc7a5\ud380\ub4dc\uc5d0 \ucc38\uc5ec\ud560 \uc608\uc815\uc774\ub2e4. \ub610 \uadf8\ub8f9 \uacf5\ub3d9\ud22c\uc790\ud380\ub4dc\uc5d0 2000\uc5b5\uc6d0, \ubaa8\ud5d8\uc790\ubcf8 \ud22c\uc790\uc5d0 2000\uc5b5\uc6d0\uc744 \ud22c\uc790\ud55c\ub2e4. \ucca8\ub2e8\uc804\ub7b5\uc0b0\uc5c5 \uc139\ud130 \uae30\uc5c5 \uc735\uc790\ub294 \ub0b4\ub144 12\uc8707000\uc5b5\uc6d0 \uaddc\ubaa8\ub85c \uc9d1\ud589\ub41c\ub2e4. \uc0dd\uc0b0\uc801 \uae08\uc735 \ubd84\uc57c\ub9cc \ub193\uace0 \ubcf4\uba74 RWA \uc99d\uac00\uac00 \ubd88\uac00\ud53c\ud558\ub2e4.<\/p>\n<p>\uc6b0\ub9ac\uae08\uc735\uc740 \uc790\uc0b0 \ub9ac\ubc38\ub7f0\uc2f1\uc744 \ud1b5\ud574 \ucda9\ubd84\ud788 \ub300\uc751 \uac00\ub2a5\ud558\ub2e4\ub294 \uc785\uc7a5\uc774\ub2e4. \ud604\uc7ac \uc0dd\uc0b0\uc801 \uae08\uc735 \uc139\ud130\uc5d0 \ud3ec\ud568\ub3fc \uc788\uc9c0 \uc54a\uc740 \ub3d9\uc2dc\uc5d0 \uc704\ud5d8\uac00\uc911\uce58\uac00 \ub192\uc740 \uc790\uc0b0\uc744 \uc904\uc5ec\ub098\uac08 \uacc4\ud68d\uc774\ub2e4. \ud22c\uc790 \ube44\uc911 \ud655\ub300\uc5d0 \ubc1c\ub9de\ucdb0 \uc804\ubb38\uc131\uc744 \uac16\ucd94\uae30 \uc704\ud574 \ud22c\uc790 \uc804\ub2f4 \uc2ec\uc0ac\uc870\uc9c1\uc744 \ub450\uace0 \uc2e0\uc6a9\ud3c9\uac00\ubaa8\ud615\uc744 \uace0\ub3c4\ud654\ud55c\ub2e4. \uc2ec\uc0ac\uc870\uc9c1\uc774 \uc704\ud5d8\uac00\uc911\uce58\uae4c\uc9c0 \uad00\ub9ac\ud560 \uc218 \uc788\ub294 \uccb4\uacc4\ub97c \ub9cc\ub4e0\ub2e4.<\/p>\n<p>\ub610 \uae08\uc735 \ub2f9\uad6d\uc758 \uc704\ud5d8\uac00\uc911\uce58 \uaddc\uc81c \uc644\ud654\uae4c\uc9c0 \uac10\uc548\ud558\uba74 \ubd80\ub2f4\uc774 \ud55c\uacb0 \uc904\uc5b4\ub4e4 \uac83\uc73c\ub85c \ubcf4\uace0 \uc788\ub2e4. \uc815\ucc45 \ud380\ub4dc\uc778 \uad6d\ubbfc\uc131\uc7a5\ud380\ub4dc \ucc38\uc5ec\uc5d0 \ub300\ud574\uc11c\ub294 \uc77c\ubc18 \ud22c\uc790\uc640 \ube44\uad50\ud574 \ub0ae\uc740 \uc704\ud5d8\uac00\uc911\uce58\uac00 \uc801\uc6a9\ub420 \uac83\uc73c\ub85c \uad00\uce21\ub41c\ub2e4. \ub610 \ubca4\ucc98\ud22c\uc790 \uc704\ud5d8\uac00\uc911\uce58\uac00 \uae30\uc874\uc5d0 \ube44\ud574 \ub0ae\uc544\uc84c\ub2e4\ub294 \uc810\ub3c4 \uc2ed\ubd84 \ud65c\uc6a9\ud574 CET1\ube44\uc728\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc744 \ucd5c\uc18c\ud654\ud55c\ub2e4.<\/p>\n<p>\/ \ucd5c\ud544\uc6b0 \ub354\ubca8 \uae30\uc790<\/p>\n","protected":false},"excerpt":{"rendered":"<p>|\uc5f0\ub9d0 \ubaa9\ud45c\uce58 12.5% \ub2ec\uc131 &#8216;\uc774\uc0c1 \ubb34&#8217;\u2026\uc804\ub2f4 \uc2ec\uc0ac\uc870\uc9c1 \uc2e0\uc124, \uc644\ud654\ub41c \ub2f9\uad6d \uaddc\uc81c \uc2ed\ubd84 \ud65c\uc6a9 \uc6b0\ub9ac\uae08\uc735\uc774 80\uc870\uc6d0 \uaddc\ubaa8\uc758 \uc0dd\uc0b0\uc801 \uae08\uc735 \uad00\ub828 \ud22c\uc790 \uacc4\ud68d\uc744 \ubc1c\ud45c\ud558\uba74\uc11c \uc790\ubcf8\ube44\uc728 \uad00\ub9ac\uc5d0\ub3c4 \uc790\uc2e0\uac10\uc744 \ub4dc\ub7ec\ub0c8\ub2e4. \uc5f0\ub9d0 \ubcf4\ud1b5\uc8fc\uc790\ubcf8(CET1)\ube44\uc728 12.5% \ub2ec\uc131\uc5d0 \ubb34\ub9ac\uac00 \uc5c6\ub294 \uc120\uc5d0\uc11c \ud22c\uc790\uc5d0 \ub098\uc124 \uac83\uc774\ub780 \ubc29\uce68\uc774\ub2e4. \uc8fc\uc8fc\uc5d0\uac8c \uc57d\uc18d\ud55c \ubc38\ub958\uc5c5 \ud504\ub85c\uadf8\ub7a8 \uc774\ud589\uc5d0 \ucc28\uc9c8\uc774 \uc788\uc744 \uc218 \uc788\ub2e4\ub294 \uc6b0\ub824\ub97c \uc77c\ucd95\uc2dc\ud0a4\uae30 \uc704\ud574 \uc7ac\ubb34 \uc6d0\uce59\uc744 \uc218\ub9bd\ud55c \uac83\uc73c\ub85c \ud480\uc774\ub41c\ub2e4. \uac00\uacc4\ub300\ucd9c\uc744 [&hellip;]<\/p>\n","protected":false},"author":44,"featured_media":41800,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[922,8,611],"tags":[1653,7311,1000,998,4493],"class_list":{"0":"post-41799","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-1653","11":"tag-7311","12":"tag-1000","13":"tag-998","14":"tag-4493"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\uc6b0\ub9ac\uae08\uc735, 80\uc870 \uc0dd\uae08 \ud22c\uc790\uc5d0\ub3c4 &#039;\uc790\ubcf8\ube44\uc728 \uac1c\uc120&#039; \uc790\uc2e0\uac10 SanctionLab<\/title>\n<meta name=\"description\" content=\"\uc6b0\ub9ac\uae08\uc735\uc774 80\uc870\uc6d0 \uaddc\ubaa8\uc758 \uc0dd\uc0b0\uc801 \uae08\uc735 \uad00\ub828 \ud22c\uc790 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