{"id":49323,"date":"2026-03-20T12:28:01","date_gmt":"2026-03-20T11:28:01","guid":{"rendered":"https:\/\/www.investglass.com\/?p=49323"},"modified":"2026-04-27T14:29:15","modified_gmt":"2026-04-27T12:29:15","slug":"%ec%9d%80%ed%96%89-%ec%82%b0%ec%97%85-%ea%b7%9c%ec%a0%95-%ea%b8%88%ec%9c%b5-%ea%b8%b0%ea%b4%80%ec%9d%84-%ec%9c%84%ed%95%9c-%ec%a2%85%ed%95%a9-%ea%b0%80%ec%9d%b4%eb%93%9c","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/ko\/banking-industry-regulations-a-comprehensive-guide-for-financial-institutions\/","title":{"rendered":"\uae08\uc735 \uae30\uad00\uc740 \uc5b4\ub5bb\uac8c \uc740\ud589 \uaddc\uc815\uc744 \uc900\uc218\ud560 \uc218 \uc788\uc744\uae4c\uc694?"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ko\/%eb%82%98%eb%a7%8c%ec%9d%98-%ed%94%84%eb%9d%bc%ec%9d%b4%eb%b9%97-%eb%b1%85%ed%81%ac%eb%a5%bc-%ec%8b%9c%ec%9e%91%ed%95%98%eb%8a%94-%eb%b0%a9%eb%b2%95\/\" target=\"_self\">\ubc45\ud0b9<\/a> \uc5c5\uacc4 \uaddc\uc81c\ub294 \uae08\uc735 \uc548\uc815\uc131 \ubcf4\ud638, \uc704\ubc95 \ud589\uc704\ub85c\ubd80\ud130 \uc18c\ube44\uc790 \ubcf4\ud638, \uacbd\uc81c \uc804\uccb4\ub85c \ud655\uc0b0\ub420 \uc218 \uc788\ub294 \uc2dc\uc2a4\ud15c\uc801 \uc704\ud5d8 \ud1b5\uc81c\ub77c\ub294 \uc138 \uac00\uc9c0 \uadfc\ubcf8\uc801\uc778 \uc774\uc720\ub85c \uc874\uc7ac\ud569\ub2c8\ub2e4. 2008\ub144 \uae00\ub85c\ubc8c \uae08\uc735 \uc704\uae30\ub294 \uc790\ubcf8 \uc644\ucda9 \uc7a5\uce58\uac00 \ubd88\ucda9\ubd84\ud558\uace0 \uc704\ud5d8\ud55c \ub808\ubc84\ub9ac\uc9c0\uac00 \uc190\uc2e4\uc744 \uc99d\ud3ed\uc2dc\ucf1c \uc804 \uc138\uacc4\uc801\uc778 \ubd95\uad34\ub85c \uc774\uc5b4\uc9c8 \ub54c \uc5b4\ub5a4 \uc77c\uc774 \ubc8c\uc5b4\uc9c0\ub294\uc9c0 \ubcf4\uc5ec\uc8fc\uc5c8\uc2b5\ub2c8\ub2e4. \ucd5c\uadfc\uc5d0\ub294 \ubbf8\uad6d \uc2e4\ub9ac\ucf58\ubc38\ub9ac \uc740\ud589\uacfc \uc2dc\uadf8\ub2c8\ucc98 \uc740\ud589\uc758 2023\ub144 \uc2e4\ud328\uc640 \uc2a4\uc704\uc2a4 \ud06c\ub808\ub514\ud2b8 \uc2a4\uc704\uc2a4\uc758 \ubd95\uad34\ub85c \uc911\ud615 \uae08\uc735\uae30\uad00\uc758 \ucde8\uc57d\uc131\uc774 \ub4dc\ub7ec\ub098\uba74\uc11c \ub354 \uc5c4\uaca9\ud55c \uac10\ub3c5\uc5d0 \ub300\ud55c \uc694\uad6c\uac00 \uc7ac\uc810\ud654\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774 \ubb38\uc11c\ub294 \uc601\uad6d \uc601\uc5b4\ub85c \uc791\uc131\ub418\uc5c8\uc73c\uba70 \uc740\ud589, \uc790\uc0b0 \uad00\ub9ac\uc790 \ubc0f \uae30\ud0c0 \uaddc\uc81c \ub300\uc0c1\uc758 \uc804\ubb38\uac00\ub97c \ub300\uc0c1\uc73c\ub85c \ud569\ub2c8\ub2e4. <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ko\/%ec%9d%80%ed%96%89%ec%9d%84-%ec%86%8c%ec%9c%a0%ed%95%98%eb%8a%94-%ea%b2%83%ec%9d%b4-%ec%96%bc%eb%a7%88%eb%82%98-%ec%88%98%ec%9d%b5%ec%84%b1%ec%9d%b4-%ec%9e%88%eb%8a%94%ec%a7%80-%ec%8b%ac%ec%b8%b5\/\" target=\"_self\">\uae08\uc735 \uae30\uad00<\/a> \ud604\uc7ac \uaddc\uc81c \ud658\uacbd\uc5d0 \ub300\ud55c \uba85\ud655\uc131\uc744 \ucd94\uad6c\ud569\ub2c8\ub2e4. \ud604\uc7ac \uc720\ub7fd\uacfc \uc2a4\uc704\uc2a4\uc758 \ub9ce\uc740 \uae30\uad00\uc740 \ub370\uc774\ud130 \uc8fc\uad8c\uc744 \ubcf4\ud638\ud558\uace0 \ud604\uc9c0 \uaddc\uc81c\uc758 \uae30\ub300\uc5d0 \ubd80\uc751\ud558\uae30 \uc704\ud574 \ubbf8\uad6d \ubc0f \uc911\uad6d \uc774\uc678\uc758 \uae30\uc220 \ud30c\ud2b8\ub108\ub97c \uc801\uadf9\uc801\uc73c\ub85c \ucc3e\uace0 \uc788\uc2b5\ub2c8\ub2e4. InvestGlass, \uc2a4\uc704\uc2a4 <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ko\/%ec%86%8c%eb%b2%84%eb%a6%b0%ec%9d%98-%ec%9d%98%eb%af%b8\/\" target=\"_self\">\uc8fc\uad8c\uc790<\/a> CRM \ubc0f \uc790\ub3d9\ud654 \ud50c\ub7ab\ud3fc\uc740 \uaddc\uc81c \ub300\uc0c1 \uae30\uc5c5\uc774 \uace0\uac1d \ub370\uc774\ud130\ub97c \uc644\ubcbd\ud558\uac8c \uc81c\uc5b4\ud558\uba74\uc11c \uaddc\uc815 \uc900\uc218\ub97c \uc6b4\uc601\ud560 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud568\uc73c\ub85c\uc368 \uc774\ub7ec\ud55c \ud2b8\ub80c\ub4dc\ub97c \uc798 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"575\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/09\/InvestGlass-openbanking-white-1024x575.png\" alt=\"\uc778\ubca0\uc2a4\ud2b8\uae00\ub798\uc2a4-\uc624\ud508\ubc45\ud0b9\" class=\"wp-image-47981\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/09\/InvestGlass-openbanking-white-1024x575.png 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/09\/InvestGlass-openbanking-white-300x168.png 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/09\/InvestGlass-openbanking-white.png 1042w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">\uc778\ubca0\uc2a4\ud2b8\uae00\ub798\uc2a4-\uc624\ud508\ubc45\ud0b9<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\uaddc\uc81c \ud658\uacbd\uc740 \uad00\ud560 \uc9c0\uc5ed\uc5d0 \ub530\ub77c \ud06c\uac8c \ub2e4\ub974\uba70, \uc740\ud589 \uc6b4\uc601 \ubc0f \uaddc\uc815 \uc900\uc218 \uc694\uac74\uc5d0 \ub300\ud55c \ubc95\uc801 \ud504\ub808\uc784\uc6cc\ud06c\ub97c \uc124\uc815\ud558\ub294 \uae08\uc735 \uaddc\uc81c\uc5d0 \ub530\ub77c \ud615\uc131\ub429\ub2c8\ub2e4. \ubbf8\uad6d\uc740 \ub2f9\uad6d\uc774 \uc911\ubcf5\ub418\ub294 \ubcf5\uc7a1\ud55c \uc5f0\ubc29-\uc8fc \uc774\uc911 \uc2dc\uc2a4\ud15c\uc744 \uc6b4\uc601\ud558\uba70, \uc5f0\ubc29 \ubc0f \uc8fc \ucc28\uc6d0\uc758 \uc740\ud589 \uaddc\uc81c\uae30\uad00\uc774 \uc740\ud589\uc744 \uac10\ub3c5 \ubc0f \uac10\ub3c5\ud558\uace0 \uc740\ud589\ubc95\uc744 \uc9d1\ud589\ud558\uba70 \uaddc\uc815 \uc900\uc218\ub97c \ubcf4\uc7a5\ud569\ub2c8\ub2e4. \uc720\ub7fd\uc5f0\ud569\uc740 \uc720\ub7fd\uc911\uc559\uc740\ud589\uc744 \ud1b5\ud574 \uc8fc\uc694 \uae30\uad00\uc5d0 \ub300\ud55c \uac74\uc804\uc131 \uac10\ub3c5\uc744 \uc911\uc559\uc9d1\uc911\ud654\ud558\uace0, \uc18c\uaddc\ubaa8 \uae30\uad00\uc740 \uad6d\uac00 \ub2f9\uad6d\uc774 \uad00\ub9ac\ud569\ub2c8\ub2e4. \ube0c\ub809\uc2dc\ud2b8 \uc774\ud6c4 \uc601\uad6d\uc740 \uac74\uc804\uc131 \uaddc\uc81c \ub2f9\uad6d\uacfc \uae08\uc735 \ud589\uc704 \uac10\ub3c5\uccad\uc5d0 \uc758\uc874\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc2a4\uc704\uc2a4\ub294 \uc2a4\uc704\uc2a4 \uae08\uc735\uc2dc\uc7a5\uac10\ub3c5\uccad\uacfc \uc2a4\uc704\uc2a4 \uad6d\ub9bd\uc740\ud589\uc774 \uc2dc\uc2a4\ud15c\uc801\uc73c\ub85c \uc911\uc694\ud55c \uc740\ud589\uc5d0 \ub300\ud55c \uac10\ub3c5\uc744 \ub2f4\ub2f9\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc9c0\uc5ed\uc5d0\uc11c \uc740\ud589\ubc95\uc740 \uc740\ud589\uacfc \uae08\uc735 \uae30\uad00\uc758 \uc870\uc9c1, \uc6b4\uc601, \uaddc\uc81c \ubc0f \uaddc\uc815 \uc900\uc218\ub97c \uad00\uc7a5\ud558\ub294 \ud3ec\uad04\uc801\uc778 \ubc95\uc801 \ud504\ub808\uc784\uc6cc\ud06c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uc774 \ubb38\uc11c\uc5d0\uc11c \ub2e4\ub8e8\ub294 \uc8fc\uc694 \uaddc\uc81c \uc8fc\uc81c\uc785\ub2c8\ub2e4:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ubc14\uc824 III\uc5d0 \ub530\ub978 \uc790\ubcf8 \uc801\uc815\uc131 \ubc0f \uac74\uc804\uc131 \uae30\uc900<\/li>\n\n\n\n<li>\ud589\ub3d9 \uaddc\uce59 \ubc0f \uc18c\ube44\uc790 \ubcf4\ud638 \ud504\ub808\uc784\uc6cc\ud06c<\/li>\n\n\n\n<li>\uc790\uae08 \uc138\ud0c1 \ubc29\uc9c0 \ubc0f \uc81c\uc7ac \uaddc\uc815 \uc900\uc218<\/li>\n\n\n\n<li>\ud540\ud14c\ud06c, \ub514\uc9c0\ud138 \uc790\uc0b0, \uadf8\ub9ac\uace0 <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ko\/%ec%84%9c%eb%b9%84%ec%8a%a4%ed%98%95-%eb%b1%85%ed%82%b9%ec%9d%80-%ec%96%b4%eb%96%bb%ea%b2%8c-%ec%9e%91%eb%8f%99%ed%95%98%eb%82%98%ec%9a%94\/\" target=\"_self\">\uc11c\ube44\uc2a4\ud615 \ubc45\ud0b9<\/a> \uac10\ub3c5<\/li>\n\n\n\n<li>\uad6d\uacbd \uac04 \ud65c\ub3d9, \ub370\uc774\ud130 \ubcf4\ud638 \ubc0f \uc6b4\uc601 \ubcf5\uc6d0\ub825<\/li>\n\n\n\n<li>\uae30\uc220 \uac70\ubc84\ub10c\uc2a4 \ubc0f \ub370\uc774\ud130 \uc8fc\uad8c \uc694\uad6c \uc0ac\ud56d<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-regulatory-oversight-structure-for-financial-institutions-in-key-jurisdictions\">\uc8fc\uc694 \uad00\ud560\uad8c\uc758 \uae08\uc735 \uae30\uad00\uc5d0 \ub300\ud55c \uaddc\uc81c \uac10\ub3c5 \uad6c\uc870<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc8fc\uc694 \uae08\uc735 \uc911\uc2ec\uc9c0 \uac04\uc5d0 \uaddc\uc81c \ucc45\uc784\uc774 \uc5b4\ub5bb\uac8c \ubc30\ubd84\ub418\ub294\uc9c0 \uc774\ud574\ud558\ub294 \uac83\uc740 \uad6d\uc81c\uc801\uc73c\ub85c \uc0ac\uc5c5\uc744 \uc6b4\uc601\ud558\ub294 \ubaa8\ub4e0 \uae30\uad00\uc5d0 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uad6c\uc870\ub294 \ubbf8\uad6d, \uc720\ub7fd\uc5f0\ud569, \uc601\uad6d, \uc2a4\uc704\uc2a4\uc5d0 \ub530\ub77c \ud604\uc800\ud558\uac8c \ub2e4\ub985\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ubbf8\uad6d\uc758 \uc774\uc911 \uc740\ud589 \uc2dc\uc2a4\ud15c\uc5d0\uc11c\ub294 \uc740\ud589 \uc9c0\uc8fc\ud68c\uc0ac\ub294 \uc5f0\ubc29\uc900\ube44\uc81c\ub3c4\uc774\uc0ac\ud68c, \uc804\uad6d \uc740\ud589\uc740 \ud1b5\ud654\uac10\ub3c5\uccad, \uc608\uae08 \ubcf4\ud5d8 \ubc0f \ud574\uacb0\uc740 \uc5f0\ubc29\uc608\uae08\ubcf4\ud5d8\uacf5\uc0ac \ub4f1 \uc5f0\ubc29 \uae30\uad00\uc5d0 \uac74\uc804\uc131 \uaddc\uc81c\ub97c \ud560\ub2f9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc8fc \uaddc\uc81c \ub2f9\uad6d\uc740 \uc8fc\uc815\ubd80 \uacf5\uc778 \uc740\ud589\uc744 \uac10\ub3c5\ud558\ubbc0\ub85c \uc870\uc728\uc774 \ud544\uc694\ud55c \ub2e4\uce35\uc801 \uc811\uadfc \ubc29\uc2dd\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc5f0\ubc29 \uc900\ube44 \uc81c\ub3c4\uc640 \uc5f0\ubc29 \uc900\ube44 \uc740\ud589\uc740 \ud68c\uc6d0 \uc740\ud589\uacfc \uc740\ud589 \uc9c0\uc8fc \ud68c\uc0ac\uc5d0 \ub300\ud55c \ud1b5\ud654 \uc815\ucc45 \ubc0f \uac10\ub3c5\uc5d0\uc11c \uc911\uc2ec\uc801\uc778 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uac74\uc804\uc131 \uaddc\uc81c \uae30\uad00\uacfc \ud589\ub3d9 \uaddc\uc81c \uae30\uad00\uc744 \uad6c\ubd84\ud558\ub294 \uac83\uc740 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. \uac74\uc804\uc131 \uaddc\uc81c \ub2f9\uad6d\uc740 \uc790\ubcf8, \uc720\ub3d9\uc131, \ud68c\ubcf5\ub825\uc5d0 \uc911\uc810\uc744 \ub461\ub2c8\ub2e4. \uc18c\ube44\uc790\uae08\uc735\ubcf4\ud638\uad6d\uacfc \uac19\uc740 \ud589\ub3d9 \ubc0f \uc18c\ube44\uc790 \ubcf4\ud638 \uaddc\uc81c\uae30\uad00\uc740 \uc9c4\uc2e4\ud55c \ub300\ucd9c\ubc95 \ubc0f \uacf5\uc815 \uc2e0\uc6a9 \ubcf4\uace0\ubc95\uacfc \uac19\uc740 \ubc95\ub960\uc5d0 \ub530\ub77c \uacf5\uac1c \uc694\uac74\uacfc \uacf5\uc815\ud55c \ub300\ucd9c\uc744 \uc2dc\ud589\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uad00\ud560\uad8c\ubcc4 \uc8fc\uc694 \uaddc\uc81c \uae30\uad00:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th colspan=\"1\" rowspan=\"1\"><p>\uad00\ud560\uad8c<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\ud478\ub974\ub374\uc15c \uaddc\uc81c \uae30\uad00<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\ud589\ub3d9 \uaddc\uc81c<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\uc8fc\uc694 \uae30\uad00<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\ubbf8\uad6d<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>FRB, OCC, FDIC<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>CFPB<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\uc5f0\ubc29 \uc740\ud589 \uaddc\uc81c \uae30\uad00<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\uc720\ub7fd \uc5f0\ud569<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>ECB, \uad6d\uac00 \ub2f9\uad6d<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>EBA, \uad6d\uac00 \ub2f9\uad6d<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\ub2e8\uc77c \uac10\ub3c5 \uba54\ucee4\ub2c8\uc998<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\uc601\uad6d<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>PRA<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>FCA<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\uc601\uad6d \uc740\ud589<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\uc2a4\uc704\uc2a4<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>FINMA<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>FINMA<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\uc2a4\uc704\uc2a4 \uad6d\ub9bd \uc740\ud589<\/p><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\ubcf8\uad6d \ubc0f \ud638\uc2a4\ud2b8 \uaddc\uc81c\uae30\uad00\uc73c\ub85c \uad6c\uc131\ub41c \uac10\ub3c5 \ub300\ud559\uc740 \uad6d\uc81c\uc801\uc73c\ub85c \ud65c\ub3d9\ud558\ub294 \uadf8\ub8f9\uc5d0 \ub300\ud55c \uad6d\uacbd\uc744 \ub118\ub294 \uac10\ub3c5\uc744 \uc6a9\uc774\ud558\uac8c \ud569\ub2c8\ub2e4. \ubc14\uc824\uc740\ud589\uac10\ub3c5\uc704\uc6d0\ud68c\ub294 \ubc14\uc824 III\uc640 \uac19\uc740 \uae00\ub85c\ubc8c \ud45c\uc900\uc744 \uc124\uc815\ud558\uc9c0\ub9cc, \uc9c0\uc5ed\ub9c8\ub2e4 \uc2dc\ud589 \ubc29\uc2dd\uc774 \ub2e4\ub985\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uae30\uad00\uc740 \uc774\uc81c \uae30\uc220 \uac70\ubc84\ub10c\uc2a4\uae4c\uc9c0 \uc870\uc0ac\ub97c \ud655\ub300\ud558\uc5ec \uac15\ub825\ud55c \uc544\uc6c3\uc18c\uc2f1 \uc815\ucc45, \uc81c3\uc790 \uc704\ud5d8 \ud3c9\uac00 \ubc0f \ub370\uc774\ud130 \ubcf4\ud638 \uc81c\uc5b4\ub97c \uc694\uad6c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uac10\uc0ac \uac00\ub2a5\uc131\uacfc \uc8fc\uad8c\uc744 \uc704\ud574 CRM \ud50c\ub7ab\ud3fc\uacfc \uc628\ubcf4\ub529 \uc2dc\uc2a4\ud15c\uc744 \uc5b4\ub5bb\uac8c \uc124\uacc4\ud574\uc57c \ud558\ub294\uc9c0\uc5d0 \uc9c1\uc811\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-key-banking-laws-prudential-rules-and-basel-iii-framework\">\uc8fc\uc694 \uc740\ud589\ubc95, \uac74\uc804\uc131 \uaddc\uc815 \ubc0f \ubc14\uc824 III \ud504\ub808\uc784\uc6cc\ud06c<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uac74\uc804\uc131 \uaddc\uc81c\ub294 \uc804 \uc138\uacc4 \uc740\ud589 \uc0b0\uc5c5 \uaddc\uc81c\uc758 \uadfc\uac04\uc744 \uc774\ub8e8\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud575\uc2ec \ucd95\uc5d0\ub294 \uc790\ubcf8 \uc801\uc815\uc131, \uc720\ub3d9\uc131 \ucee4\ubc84\ub9ac\uc9c0, \ub808\ubc84\ub9ac\uc9c0 \ube44\uc728, \uc775\uc2a4\ud3ec\uc800 \ud55c\ub3c4 \ub4f1\uc774 \uc788\uc73c\uba70, 2008\ub144 \uc774\ud6c4 \uc2dc\uc791\ub418\uc5b4 2017\ub144\uc5d0 \ub9c8\ubb34\ub9ac\ub41c \ubc14\uc824 III \uac1c\ud601\uc5d0 \uae30\ubc18\uc744 \ub450\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ubc14\uc824 III\uc5d0 \ub530\ub77c \uc608\ud0c1\uae30\uad00\uacfc \ubcf4\ud5d8\uc608\ud0c1\uae30\uad00\uc740 \ubcf4\ud1b5\uc8fc 1\ub2e8\uacc4 \uc790\ubcf8\uc744 \uc704\ud5d8\uac00\uc911\uc790\uc0b0\uc758 \ucd5c\uc18c 4.5%, \ucd1d \uc790\ubcf8\uc740 8%\ub85c \uc720\uc9c0\ud574\uc57c \ud569\ub2c8\ub2e4. 2.5%\uc758 \ubcf4\uc874 \ubc84\ud37c\uc640 \ucd5c\ub300 3.5%\uc758 \uacbd\uae30\ub300\uc751 \ubc84\ud37c\ub97c \ud3ec\ud568\ud55c \ucd94\uac00 \ubc84\ud37c\uac00 \uc801\uc6a9\ub429\ub2c8\ub2e4. \uae00\ub85c\ubc8c \uc2dc\uc2a4\ud15c\uc801\uc73c\ub85c \uc911\uc694\ud55c \uc740\ud589\uc740 1%\uc5d0\uc11c 3.5%\uc5d0 \uc774\ub974\ub294 \uacfc\uc9d5\uae08\uc744 \ubd80\uacfc\ubc1b\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc720\ub3d9\uc131 \uaddc\uc815\uc5d0\ub294 \uad6d\uc81c\uc801\uc73c\ub85c \ud65c\ub3d9\ud558\ub294 \uc740\ud589\uc758 \uacbd\uc6b0 30\uc77c\uac04 \uc2a4\ud2b8\ub808\uc2a4 \uc720\ucd9c\uc744 \ucda9\ub2f9\ud560 \uc218 \uc788\ub294 \uc591\uc9c8\uc758 \uc720\ub3d9\uc131 \uc790\uc0b0\uc744 100%\ub85c \uc720\uc9c0\ud558\ub3c4\ub85d \uc694\uad6c\ud558\ub294 \uc720\ub3d9\uc131 \ucee4\ubc84\ub9ac\uc9c0 \ube44\uc728\ub3c4 \ud3ec\ud568\ub429\ub2c8\ub2e4. \uc21c\uc548\uc815\uc790\uae08\uc870\ub2ec\ube44\uc728\uc740 1\ub144 \uc774\uc0c1\uc758 \uc790\uc0b0 \ub9cc\uae30\uc5d0 \ub9de\ub294 \uc548\uc815\uc801\uc778 \uc790\uae08 \uc870\ub2ec\uc744 \ubcf4\uc7a5\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc694\uac74\uc740 2023\ub144 \uc2e4\ub9ac\ucf58\ubc38\ub9ac \uc740\ud589\uc758 LCR\uc774 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud558\uc9c0 \uc54a\uc740 \uc608\uae08 \uc778\ucd9c\ub85c \uc778\ud574 80% \uc774\ud558\ub85c \uae09\ub77d\ud558\uc5ec \uc2e4\ud328\uc758 \uc6d0\uc778\uc774 \ub418\uc5c8\uc744 \ub54c \uc911\uc694\ud55c \uac83\uc73c\ub85c \ud310\uba85\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub808\ubc84\ub9ac\uc9c0 \ube44\uc728\uc740 \ucd1d \uc775\uc2a4\ud3ec\uc800 \ub300\ube44 3% \ud2f0\uc5b41 \uc790\ubcf8\uc5d0\uc11c \ube44\uc704\ud5d8 \ubc31\uc2a4\ud1b1 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uc774\ub294 \uc704\ud5d8 \uac00\uc911\uce58 \uacc4\uc0b0\uc5d0\uc11c \ubaa8\ub378\uc758 \uacfc\ub3c4\ud55c \ub099\uad00\ub860\uc744 \ubc29\uc9c0\ud569\ub2c8\ub2e4. 2026\ub144 \ucd08\uc5d0 \ud655\uc815\ub420 \uc608\uc815\uc778 2023\ub144 7\uc6d4\uc758 \ubbf8\uad6d \ubc14\uc824 III \ucd5c\uc885\uc548\uc5d0\ub294 \ub0b4\ubd80 \ubaa8\ub378 \uc774\uc775\uc744 \uc5b5\uc81c\ud558\ub294 72.5% \uc0b0\ucd9c \ud55c\ub3c4\uc640 \uac1c\uc815\ub41c \ud45c\uc900\ud654\ub41c \uc2e0\uc6a9 \ub9ac\uc2a4\ud06c \uc811\uadfc\ubc95\uc744 \ud3ec\ud568\ud55c \uc0c1\ub2f9\ud55c \ubcc0\ud654\uac00 \ub3c4\uc785\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">EU\uc758 CRR3 \ubc0f CRD6\ub294 2025\ub144\ubd80\ud130 \ub2e8\uacc4\uc801\uc73c\ub85c \ub3c4\uc785\ub418\uba70, \uc77c\ubd80 \uc694\uc18c\ub294 2026\ub144 1\uc6d4\ub85c \uc5f0\uae30\ub429\ub2c8\ub2e4. \uc601\uad6d\uc740 \ube0c\ub809\uc2dc\ud2b8 \uc774\ud6c4\uc5d0\ub3c4 \uacbd\uc7c1\ub825\uacfc \uac74\uc804\uc131 \uc0ac\uc774\uc758 \uade0\ud615\uc744 \uc720\uc9c0\ud558\uba70 \uc790\uccb4\uc801\uc73c\ub85c \uc2dc\ud589\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc2a4\uc704\uc2a4\ub294 \uc57d 14%\uc758 CET1 \ubaa9\ud45c\uc640 \ud568\uaed8 UBS\uc5d0 \ub300\ud55c \uc694\uac74\uc744 \ub9de\ucda4\ud654\ud558\uace0 \uc8fc\ubcc4 \uc740\ud589 \ubc0f \uc5f0\ubc29 \uc800\ucd95 \ud611\ud68c\uc5d0 \ub300\ud55c \ud2b9\uc815 \uaddc\uce59\uc744 \uc801\uc6a9\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uc8fc\uc694 \uac74\uc804\uc131 \ube44\uc728 \ubc0f \uc6b4\uc601 \uc601\ud5a5:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>CET1 \ube44\uc728(\ucd5c\uc18c 4.5% + \ubc84\ud37c): \ub300\ucd9c \ud55c\ub3c4 \ubc0f \ubc30\ub2f9\uae08 \uc81c\ud55c\uc744 \uacb0\uc815\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li>LCR(100%): \uc77c\uc77c \uc720\ub3d9\uc131 \uad00\ub9ac \ubc0f \uc99d\uad8c \uc2e0\uc6a9 \uacb0\uc815\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4.<\/li>\n\n\n\n<li>NSFR(100%): \uc790\uae08 \uc870\ub2ec \uc804\ub7b5 \ubc0f \ub9cc\uae30 \ub9e4\uce6d \ud615\uc131<\/li>\n\n\n\n<li>\ub808\ubc84\ub9ac\uc9c0 \ube44\uc728(3%): \uacfc\ub3c4\ud55c \ub300\ucc28 \ub300\uc870\ud45c \ud655\uc7a5 \ubc29\uc9c0<\/li>\n\n\n\n<li>\ub300\uaddc\ubaa8 \uc775\uc2a4\ud3ec\uc800 \ud55c\ub3c4(1\ub2e8\uacc4 \uc790\ubcf8\uc758 25%): \ud2b9\uc218\uad00\uacc4\uc790 \uac70\ub798\ub85c \uc778\ud55c \uacfc\ub3c4\ud55c \uc704\ud5d8\uc744 \ubc29\uc9c0\ud558\uae30 \uc704\ud574 \ub2e8\uc77c \uac70\ub798\ucc98\uc5d0 \ub300\ud55c \uc9d1\uc911 \uc704\ud5d8\uc744 \uc81c\ud55c\ud558\uace0 \ub300\uc8fc\uc8fc \ubc0f \uc784\uc6d0\uc744 \ud3ec\ud568\ud55c \ub0b4\ubd80\uc790\uc5d0 \ub300\ud55c \ub300\ucd9c\uc744 \uc81c\ud55c\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\uc18c\uaddc\ubaa8 \ubbfc\uac04 \uc740\ud589\uacfc \uc790\uc0b0 \uad00\ub9ac\uc790\ub3c4 \ub9ac\uc2a4\ud06c \uad00\ub9ac, \ubcf4\uace0 \ubc0f \ub370\uc774\ud130 \uad6c\uc870\ub97c \uc774\ub7ec\ud55c \uac74\uc804\uc131 \uaddc\uce59\uc5d0 \ub9de\ucdb0 \uc870\uc815\ud574\uc57c \ud569\ub2c8\ub2e4. InvestGlass\uc640 \uac19\uc740 \ud1b5\ud569 \uc2dc\uc2a4\ud15c\uc740 \ub9ac\uc2a4\ud06c \ub370\uc774\ud130 \uc9d1\uacc4 \ubc0f \uaddc\uc81c \ubcf4\uace0\ub97c \uac04\uc18c\ud654\ud558\uc5ec \uc774\ub7ec\ud55c \uc815\ub82c\uc744 \uc6a9\uc774\ud558\uac8c \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-deposit-insurance-and-financial-stability\">\uc608\uae08 \ubcf4\ud5d8 \ubc0f \uae08\uc735 \uc548\uc815\uc131<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc608\uae08 \ubcf4\ud5d8\uc740 \uc608\uae08\uc790\ub97c \ubcf4\ud638\ud558\uace0 \uae08\uc735 \uc2dc\uc2a4\ud15c\uc5d0 \ub300\ud55c \uc2e0\ub8b0\ub97c \uc720\uc9c0\ud558\uae30 \uc704\ud574 \uace0\uc548\ub41c \ud604\ub300 \uc740\ud589 \uaddc\uc81c \ud504\ub808\uc784\uc6cc\ud06c\uc758 \ucd08\uc11d\uc785\ub2c8\ub2e4. \ubbf8\uad6d\uc5d0\uc11c\ub294 \uc5f0\ubc29\uc608\uae08\ubcf4\ud5d8\uacf5\uc0ac(FDIC)\uac00 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud55c \uc608\uae08 \uae30\uad00\uc758 \uc608\uae08 \ubcf4\uc7a5\uc744 \ub2f4\ub2f9\ud558\ub294 \ub3c5\ub9bd \uae30\uad00\uc785\ub2c8\ub2e4. FDIC\ub294 \uc608\uae08\uc790 1\uc778\ub2f9, \uae30\uad00\ub2f9 \ucd5c\ub300 $250,000\ub2ec\ub7ec\uae4c\uc9c0 \uc608\uae08\uc744 \ubcf4\uc7a5\ud558\uc5ec \ubd88\ud655\uc2e4\ud55c \uc2dc\uae30\uc5d0 \ubc45\ud06c\ub7f0\uc744 \ubc29\uc9c0\ud558\uace0 \uae08\uc735 \uc548\uc815\uc131\uc744 \uc720\uc9c0\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub418\ub294 \uc911\uc694\ud55c \uc548\uc804\ub9dd\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">FDIC\ub294 \uc608\uae08\uc744 \ubcf4\uc7a5\ud558\ub294 \uac83 \uc678\uc5d0\ub3c4 \uc608\uae08 \uae30\uad00\uc774 \uc548\uc804\ud558\uace0 \uac74\uc804\ud55c \ubc29\uc2dd\uc73c\ub85c \uc6b4\uc601\ub418\ub3c4\ub85d \uac10\ub3c5\ud558\ub294 \ub370 \uc911\ucd94\uc801\uc778 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uc5ec\uae30\uc5d0\ub294 \uc790\ubcf8 \uc801\uc815\uc131, \uc720\ub3d9\uc131 \ubc0f \uc704\ud5d8 \uad00\ub9ac \uad00\ud589\uc5d0 \ub300\ud55c \uc5c4\uaca9\ud55c \uac10\ub3c5\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4. \uc740\ud589\uc5d0 \ubb38\uc81c\uac00 \ubc1c\uc0dd\ud558\uba74 FDIC\ub294 \ud574\ub2f9 \uae30\uad00\uc744 \ud6a8\uc728\uc801\uc73c\ub85c \ud574\uacb0\ud558\uae30 \uc704\ud574 \uac1c\uc785\ud558\uc5ec \uad11\ubc94\uc704\ud55c \uc740\ud589 \uc2dc\uc2a4\ud15c\uc758 \ud63c\ub780\uc744 \ucd5c\uc18c\ud654\ud558\uace0 \uc2dc\uc2a4\ud15c \uc548\uc815\uc131\uc744 \uc704\ud611\ud560 \uc218 \uc788\ub294 \uc804\uc5fc \uc704\ud5d8\uc744 \uc904\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc608\uae08\ubcf4\ud5d8\uc81c\ub3c4\ub294 \ubbf8\uad6d\uc5d0\ub9cc \uc788\ub294 \uac83\uc774 \uc544\ub2c8\uba70, \uc608\uae08\uc790\ub97c \ubcf4\ud638\ud558\uace0 \uc740\ud589 \uc2dc\uc2a4\ud15c\uc5d0 \ub300\ud55c \uc2e0\ub8b0\ub97c \uac15\ud654\ud55c\ub2e4\ub294 \uacf5\ud1b5\ub41c \ubaa9\ud45c\ub97c \uac00\uc9c4 \uc720\uc0ac\ud55c \uc81c\ub3c4\uac00 \ub9ce\uc740 \uad00\ud560\uad8c\uc5d0\uc11c \uc2dc\ud589\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubcf4\ud638 \uacc4\uce35\uc744 \uc81c\uacf5\ud568\uc73c\ub85c\uc368 \uaddc\uc81c \ub2f9\uad6d\uc740 \uc2dc\uc2a4\ud15c \ub9ac\uc2a4\ud06c\ub97c \uc644\ud654\ud558\uace0 \uae08\uc735 \uc2dc\uc7a5\uc758 \ud68c\ubcf5\ub825\uc744 \uc9c0\uc6d0\ud558\ub294 \ub370 \ub3c4\uc6c0\uc744 \uc90d\ub2c8\ub2e4. \uae08\uc735 \uae30\uad00\uc758 \uacbd\uc6b0 \uc608\uae08\ubcf4\ud5d8 \uc694\uac74\uc744 \uc900\uc218\ud558\uace0 \uac15\ub825\ud55c \ub9ac\uc2a4\ud06c \uad00\ub9ac\ub97c \uc785\uc99d\ud558\ub294 \uac83\uc740 \uaddc\uc81c \ub300\uc0c1 \uc740\ud589 \ubd80\ubb38\uc5d0 \uc9c0\uc18d\uc801\uc73c\ub85c \ucc38\uc5ec\ud558\uae30 \uc704\ud574 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conduct-consumer-protection-and-customer-relationship-rules\">\ud589\ub3d9, \uc18c\ube44\uc790 \ubcf4\ud638 \ubc0f \uace0\uac1d \uad00\uacc4 \uaddc\uc815<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ud589\ub3d9 \uaddc\ubc94\uc740 \ud22c\uba85\ud55c \uc0c1\ud488 \uacf5\uac1c, \uacf5\uc815\ud55c \uace0\uac1d \ub300\uc6b0, \uace0\uac1d\uc758 \uc694\uad6c\uc640 \uc704\ud5d8 \ud504\ub85c\ud544\uc5d0 \ub9de\ub294 \uc0c1\ud488 \uc801\ud569\uc131 \ud3c9\uac00, \ucde8\uc57d\ud55c \uace0\uac1d\uc744 \uc704\ud55c \ubcf4\ud638\ub97c \uc758\ubb34\ud654\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc694\uac74\uc740 \uae08\uc735 \uae30\uad00\uc774 \uad00\uacc4 \uc218\uba85 \uc8fc\uae30 \uc804\ubc18\uc5d0 \uac78\uccd0 \uace0\uac1d\uacfc \uc0c1\ud638\uc791\uc6a9\ud558\ub294 \ubc29\uc2dd\uc744 \ud615\uc131\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2023\ub144 7\uc6d4\ubd80\ud130 \uc2dc\ud589\ub418\ub294 \uc601\uad6d\uc758 FCA \uc18c\ube44\uc790 \uc758\ubb34\uc5d0 \ub530\ub77c \uae30\uc5c5\uc740 \uac00\uaca9 \ubc0f \uac00\uce58, \uc18c\ube44\uc790 \uc774\ud574, \uc9c0\uc6d0 \ubc0f \ubcf4\ud638 \uc804\ubc18\uc5d0 \uac78\uccd0 \uc88b\uc740 \uacb0\uacfc\ub97c \uc81c\uacf5\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\uc0ac\ud68c\ub294 \ub9e4\ub144 \uaddc\uc815 \uc900\uc218\ub97c \uc778\uc99d\ud558\uace0 \ucde8\uc57d\uc810 \uc870\uce58 \uacc4\ud68d\uc744 \uc720\uc9c0\ud574\uc57c \ud569\ub2c8\ub2e4. \uae08\uc735 \uc634\ubd80\uc988\ub9cc \uc11c\ube44\uc2a4\ub294 \ub9e4\ub144 20\ub9cc \uac74 \uc774\uc0c1\uc758 \uc0ac\uac74\uc744 \ucc98\ub9ac\ud558\uba70 \ucd5c\ub300 43\ub9cc \ud30c\uc6b4\ub4dc\uc758 \ubcf4\uc0c1\uae08\uc744 \uc9c0\uae09\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc720\ub7fd\uc5f0\ud569\uc5d0\uc11c\ub294 \uc5f0\uc774\uc728 \uacc4\uc0b0 \ubc0f \ub0c9\uac01 \uae30\uac04\uc744 \ud3ec\ud568\ud55c \ub300\ucd9c \ud22c\uba85\uc131\uc5d0 \uad00\ud55c \uc18c\ube44\uc790 \uc2e0\uc6a9 \uc9c0\uce68\uc774 \uc801\uc6a9\ub429\ub2c8\ub2e4. ADR \uc9c0\uce68\uc740 \ubc95\uc815 \uc678 \ud574\uacb0 \uba54\ucee4\ub2c8\uc998\uc744 \uc758\ubb34\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc2a4\uc704\uc2a4\uc758 \uc740\ud589 \uc634\ubd80\uc988\ub9e8\uc740 \ubd84\uc7c1\uc774 \uc18c\uc1a1\uc73c\ub85c \uc774\uc5b4\uc9c0\uae30 \uc804\uc5d0 \uc911\uc7ac\ub97c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ubbf8\uad6d\uc758 \ud504\ub808\uc784\uc6cc\ud06c\uc5d0\ub294 \uc2e0\uc6a9 \ube44\uc6a9 \uacf5\uac1c\ub97c \uc758\ubb34\ud654\ud558\ub294 \uc9c4\uc2e4\ud55c \ub300\ucd9c\ubc95, \ucc28\ubcc4\uc744 \uae08\uc9c0\ud558\ub294 \uc2e0\uc6a9 \uae30\ud68c \uade0\ub4f1\ubc95, \uc804\uc790 \uac70\ub798\uc5d0\uc11c \uc18c\ube44\uc790\ub97c \ubcf4\ud638\ud558\ub294 \uc804\uc790 \uc790\uae08 \uc774\uccb4\ubc95 \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc18c\ube44\uc790\ubcf4\ud638\ubc95 \ubc0f CFPB\uc640 \uac19\uc740 \uc815\ubd80 \uae30\uad00\uc5d0\uc11c \uc2dc\ud589\ud558\ub294 \uad00\ub828 \uc5f0\ubc29\ubc95\uc5d0 \ub530\ub77c 2023\ub144\uc5d0\ub294 \uacf5\uc815 \ub300\ucd9c \uc704\ubc18\uc5d0 \ub300\ud574 $500\ubc31\ub9cc \ub2ec\ub7ec\uac00 \ub118\ub294 \ubc8c\uae08\uc774 \ubd80\uacfc\ub420 \uc608\uc815\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uaddc\uc81c \ub300\uc0c1 \uae30\uad00\uc758 \uc8fc\uc694 \ud589\ub3d9 \uc694\uac74<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc81c\ud488 \uc124\uacc4 \ubc0f \ud310\ub9e4 \ud504\ub85c\uc138\uc2a4\uc5d0 \ub0b4\uc7ac\ub41c \uacf5\uc815\ud55c \ub300\uc6b0 \uc6d0\uce59<\/li>\n\n\n\n<li>\ud22c\uc790 \uc0c1\ud488\uc5d0 \ub300\ud55c \uc801\ud569\uc131 \ubc0f \uc801\uc815\uc131 \ud3c9\uac00<\/li>\n\n\n\n<li>\ucde8\uc57d\ud55c \ud074\ub77c\uc774\uc5b8\ud2b8 \uc2dd\ubcc4 \ud504\ub85c\ud1a0\ucf5c \ubc0f \uac04\uc18c\ud654\ub41c \uc815\ubcf4 \uacf5\uac1c<\/li>\n\n\n\n<li>\uc9c0\uc815\ub41c \uae30\ud55c \ub0b4\uc5d0 \ubd88\ub9cc \uc0ac\ud56d \ud574\uacb0(\uc77c\ubc18\uc801\uc73c\ub85c 15\uc77c \uc774\ub0b4 \uc2b9\uc778)<\/li>\n\n\n\n<li>\ubcf4\uc874 \uae30\uac04\uc774 7\ub144 \uc774\uc0c1\uc778 \ucee4\ubba4\ub2c8\ucf00\uc774\uc158 \uc544\uce74\uc774\ube59<\/li>\n\n\n\n<li>\uc870\uc5b8 \uadfc\uac70\uc758 \uc99d\uac70 \ubc0f \ub3d9\uc758 \ucd94\uc801<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ko\/%ea%b8%b0%ec%97%85-%eb%b1%85%ed%82%b9-%eb%aa%a8%eb%b2%94-%ec%82%ac%eb%a1%80-%eb%b0%8f-%ec%a3%bc%ec%9a%94-%ec%a0%84%eb%9e%b5%ec%9d%84-%ec%9c%84%ed%95%9c-%eb%94%94%ec%a7%80%ed%84%b8-%ec%98%a8%eb%b3%b4\/\" target=\"_self\">\ub514\uc9c0\ud138 \uc628\ubcf4\ub529<\/a> \uc790\ub3d9\ud654\ub41c \uc6cc\ud06c\ud50c\ub85c\ub97c \ud1b5\ud574 \uae30\uad00\uc740 \uc77c\uad00\ub41c \uacf5\uc2dc, \ub3d9\uc758 \ucd94\uc801, \uac10\uc0ac \ucd94\uc801\uc744 \uc720\uc9c0\ud558\uc5ec \ud589\ub3d9 \uaddc\uc81c \uae30\uad00\uc744 \ub9cc\uc871\uc2dc\ud0ac \uc218 \uc788\uc2b5\ub2c8\ub2e4. InvestGlass\ub97c \uc0ac\uc6a9\ud558\uba74 \uc774\ub7ec\ud55c \uc758\ubb34\uc5d0 \ubd80\ud569\ud558\ub294 \uc2b9\uc778 \uc6cc\ud06c\ud50c\ub85c\uc6b0\uc640 \uaddc\uce59 \uae30\ubc18 \uac80\uc0ac\ub97c \uad6c\uc131\ud560 \uc218 \uc788\uc5b4 \uacfc\uac70 \uc601\uad6d \uc740\ud589\uc5d0 500\uc5b5 \ud30c\uc6b4\ub4dc \uc774\uc0c1\uc758 \uc190\uc2e4\uc744 \uc785\ud78c \uc798\ubabb\ub41c \ud310\ub9e4 \uc2a4\uce94\ub4e4\uc758 \uc6d0\uc778\uc774 \ub418\uc5c8\ub358 \uc218\uc791\uc5c5 \uc624\ub958\ub97c \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-aml-sanctions-and-financial-crime-regulations\">AML, \uc81c\uc7ac \ubc0f \uae08\uc735 \ubc94\uc8c4 \uaddc\uc815<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc790\uae08 \uc138\ud0c1 \ubc29\uc9c0 \ubc0f \ud14c\ub7ec \uc790\uae08 \uc870\ub2ec \ubc29\uc9c0 \uaddc\uc815\uc740 \uad6d\uc81c\uc790\uae08\uc138\ud0c1\ubc29\uc9c0\uae30\uad6c\uc758 40\uac1c \uad8c\uace0\uc548\uc5d0\uc11c \ud3ec\uad04\uc801\uc778 \uad6d\uac00 \uc81c\ub3c4\ub85c \ud06c\uac8c \ubc1c\uc804\ud588\uc2b5\ub2c8\ub2e4. \ubbf8\uad6d\uc5d0\uc11c\ub294 \uc740\ud589\ube44\ubc00\ubcf4\ud638\ubc95\uacfc \ubbf8\uad6d \uc560\uad6d\uc790\ubc95\uc774 \uadf8 \ud1a0\ub300\ub97c \uc774\ub8e8\uace0 \uc788\uc73c\uba70, EU\uc5d0\uc11c\ub294 6\ubc88\uc9f8 \uad8c\uace0\uc548\uc744 \uc2dc\ud589\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ko\/%ec%a0%9c6%ec%b0%a8-%ec%9e%90%ea%b8%88%ec%84%b8%ed%83%81%eb%b0%a9%ec%a7%80-%ec%a7%80%ec%b9%a8%ec%9d%b4%eb%9e%80-%eb%ac%b4%ec%97%87%ec%9d%b8%ea%b0%80%ec%9a%94\/\" target=\"_self\">\uc790\uae08 \uc138\ud0c1 \ubc29\uc9c0 \uc9c0\uce68<\/a> 2026\ub144\ubd80\ud130 2027\ub144\uae4c\uc9c0 \uace0\uc704\ud5d8 \uae30\uc5c5\uc744 \uac10\ub3c5\ud558\ub294 \uc0c8\ub85c\uc6b4 AML \ub2f9\uad6d(AMLA)\uc774 \uc124\ub9bd\ub420 \uc608\uc815\uc785\ub2c8\ub2e4. \uc601\uad6d\uc740 \uac1c\uc815\ub41c \uc790\uae08 \uc138\ud0c1 \uaddc\uc815 2017\uc744 \uc801\uc6a9\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uad6c\uccb4\uc801\uc778 \uc758\ubb34 \uc0ac\ud56d\uc73c\ub85c\ub294 \uc2e0\uc6d0 \ubc0f \uc790\uae08 \ucd9c\ucc98\ub97c \ud655\uc778\ud558\ub294 \uace0\uac1d \uc2e4\uc0ac, \uc815\uce58\uc801\uc73c\ub85c \ub178\ucd9c\ub41c \uc0ac\ub78c \ubc0f FATF \uadf8\ub808\uc774 \ubc0f \ube14\ub799 \ub9ac\uc2a4\ud2b8\uc5d0 \uc788\ub294 \uace0\uc704\ud5d8 \uad6d\uac00\uc5d0 \ub300\ud55c \uc2e4\uc0ac \uac15\ud654, \uc9c4\ud589 \uc911\uc778 \uc2e4\uc0ac \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4. <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ko\/2023%eb%85%84-%ea%b1%b0%eb%9e%98-%eb%aa%a8%eb%8b%88%ed%84%b0%eb%a7%81%ec%97%90-%eb%8c%80%ed%95%9c-%ea%b6%81%ea%b7%b9%ec%a0%81%ec%9d%b8-%ea%b0%80%ec%9d%b4%eb%93%9c\/\" target=\"_self\">\uac70\ub798 \ubaa8\ub2c8\ud130\ub9c1<\/a>, \ubc0f \uc758\uc2ec\uc2a4\ub7ec\uc6b4 \ud65c\ub3d9 \ubcf4\uace0. 2024\ub144\uc5d0 \ubbf8\uad6d\uc5d0\uc11c\ub9cc 300\ub9cc \uac74 \uc774\uc0c1\uc758 SAR\uc774 \uc811\uc218\ub418\uc5c8\uc2b5\ub2c8\ub2e4. 15,000\uac1c \uc774\uc0c1\uc758 \ud56d\ubaa9\uc774 \ud3ec\ud568\ub41c OFAC\uc758 \ud2b9\ubcc4\uc9c0\uc815\uad6d \uba85\ub2e8, EU \ud1b5\ud569 \uba85\ub2e8 \ubc0f UN \uc81c\uc7ac \ubaa9\ub85d\uc5d0 \ub300\ud55c \uc81c\uc7ac \uc2ec\uc0ac\ub294 \ud544\uc218\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2022\ub144 \uc774\ud6c4 \ub7ec\uc2dc\uc544\uc758 \uc6b0\ud06c\ub77c\uc774\ub098 \uce68\uacf5 \uc774\ud6c4 \uc81c\uc7ac \ud65c\ub3d9\uc774 \uadf9\uc801\uc73c\ub85c \ud655\ub300\ub418\uc5c8\uc2b5\ub2c8\ub2e4. EU\ub294 3,000\uc5b5 \uc720\ub85c\uac00 \ub118\ub294 \ub7ec\uc2dc\uc544 \uc790\uc0b0\uc744 \ub3d9\uacb0\ud588\uc2b5\ub2c8\ub2e4. \ubbf8\uad6d\uc758 \uc138\ucee8\ub354\ub9ac \uc81c\uc7ac\ub294 \ud604\uc7ac 2,500\uac1c \uc774\uc0c1\uc758 \ubc95\uc778\uc744 \ub300\uc0c1\uc73c\ub85c \ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub85c \uc778\ud574 \uc81c3\uad6d \uc870\uc138 \ud68c\ud53c \ubc0f \ubb34\uc5ed \uae08\uc735 \uc6b4\uc601\uc5d0 \ub300\ud55c \uc870\uc0ac\uac00 \uac15\ud654\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uacf5\uc2dc\ubc95 \ubc0f \uc9c0\uc5ed\uc0ac\ud68c\uc7ac\ud22c\uc790\ubc95\uc5d0\uc11c\ub294 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc744 \ucde8\uae09\ud558\ub294 \uc0c1\uc5c5\uc740\ud589\uc5d0 \ub300\ud55c \ucd94\uac00 \ubcf4\uace0 \uc694\uac74\uc744 \uaddc\uc815\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc99d\uad8c\uac70\ub798\ubc95 \ubc0f \uc99d\uad8c\uac70\ub798\uc704\uc6d0\ud68c\ub294 \ud22c\uc790\ud68c\uc0ac\ubc95\uc5d0 \ub530\ub77c \uc99d\uad8c \ud65c\ub3d9\uc744 \ud558\ub294 \ud22c\uc790\uc790\ubb38\uc0ac \ubc0f \uae30\ud0c0 \uae08\uc735\uae30\uad00\uc5d0 \ucd94\uac00\uc801\uc778 \uc758\ubb34\ub97c \ubd80\uacfc\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uc6cc\ud06c\ud50c\ub85c \uc790\ub3d9\ud654\uc5d0 \uc801\ud569\ud55c AML \ud504\ub85c\uc138\uc2a4:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ubb38\uc11c \uc218\uc9d1\uc744 \ud1b5\ud55c \uace0\uac1d \uc2e4\uc0ac \ubc0f \uc2e4\uc0ac \uc6cc\ud06c\ud50c\ub85c \uac1c\uc120<\/li>\n\n\n\n<li>\uad6c\uc131 \uac00\ub2a5\ud55c \uc784\uacc4\uac12\uc774 \uc788\ub294 \ud2b8\ub79c\uc7ad\uc158 \ubaa8\ub2c8\ud130\ub9c1 \uaddc\uce59<\/li>\n\n\n\n<li>SAR \uc0dd\uc131 \ubc0f \uc81c\ucd9c \ucd94\uc801<\/li>\n\n\n\n<li>\uc5ec\ub7ec \ubaa9\ub85d\uc5d0 \ub300\ud55c \uc2e4\uc2dc\uac04 \uc81c\uc7ac \uc2ec\uc0ac<\/li>\n\n\n\n<li>\uc218\uc775\uc801 \uc18c\uc720\uad8c \ucd94\uc801 \ubc0f \ud655\uc778<\/li>\n\n\n\n<li>\uc704\ud5d8 \uc810\uc218\uc640\uc758 API \ud1b5\ud569\uc744 \ud1b5\ud55c PEP \uc2ec\uc0ac<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ub514\uc9c0\ud138 KYC \ud50c\ub7ab\ud3fc\uc740 \ub2e4\uc74c\uc744 \uc790\ub3d9\ud654\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ko\/%eb%b3%b8%ec%9d%b8-%ec%9d%b8%ec%a6%9d%ec%9d%b4%eb%9e%80-%eb%ac%b4%ec%97%87%ec%9d%b4%eb%a9%b0-%ec%96%b4%eb%96%bb%ea%b2%8c-%ec%9e%91%eb%8f%99%ed%95%98%eb%82%98%ec%9a%94\/\" target=\"_self\">\uc2e0\uc6d0 \ud655\uc778<\/a> \uc0dd\uccb4\uc778\uc2dd \uc5ec\uad8c, PEP \uc2ec\uc0ac, \ud45c\uc900\ud654\ub41c \ucc99\ub3c4\uc5d0 \ub530\ub978 \uc704\ud5d8 \uc810\uc218\ub97c \uc0ac\uc6a9\ud569\ub2c8\ub2e4. InvestGlass\ub294 \uc2a4\uc704\uc2a4 \ud638\uc2a4\ud305\uc744 \ud1b5\ud574 \uc774\ub7ec\ud55c \uae30\ub2a5\uc744 \uc81c\uacf5\ud558\uc5ec \ub370\uc774\ud130 \uc804\uc1a1\uc5d0 \ub300\ud55c GDPR \uc81c44\uc870 \uc801\uc815\uc131\uc744 \ubcf4\uc7a5\ud569\ub2c8\ub2e4. \uae30\uc5c5\uc740 \uacf5\uae09\uc5c5\uccb4 \uc0ac\uc6a9 \uc5ec\ubd80\uc640 \uad00\uacc4\uc5c6\uc774 FATF \ud45c\uc900\uc5d0 \ub530\ub77c \ubaa8\ub4e0 \ucc45\uc784\uc744 \uc9c0\ubbc0\ub85c \uba85\ud655\ud55c \ucc45\uc784\uc744 \ub4b7\ubc1b\uce68\ud558\ub294 \uc8fc\uad8c\uc801\uc774\uace0 \uac10\uc0ac \uc900\ube44\uac00 \uc644\ub8cc\ub41c \uc194\ub8e8\uc158\uc758 \uc911\uc694\uc131\uc774 \uac15\uc870\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-fintech-digital-assets-and-banking-as-a-service-regulations\">\ud540\ud14c\ud06c, \ub514\uc9c0\ud138 \uc790\uc0b0 \ubc0f \uc11c\ube44\uc2a4\ud615 \ubc45\ud0b9 \uaddc\uc815<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ud540\ud14c\ud06c \ud30c\ud2b8\ub108\uc2ed\uc5d0 \ub300\ud55c \uaddc\uc81c \ub2f9\uad6d\uc758 \uad00\uc2ec\uc740 2010\ub144\ub300 \ucd08\uae30 \uacb0\uc81c \ubc0f \ub300\ucd9c \ud50c\ub7ab\ud3fc\uc5d0\uc11c \uc624\ub298\ub0a0\uc758 \uc11c\ube44\uc2a4\ud615 \ubc45\ud0b9 \ubaa8\ub378, \uc784\ubca0\ub514\ub4dc \uae08\uc735, \ub514\uc9c0\ud138 \uc790\uc0b0\uc5d0 \uc774\ub974\uae30\uae4c\uc9c0 \ub354\uc6b1 \uac15\ud654\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ucd5c\uadfc \ubc0f \ud5a5\ud6c4 \uc815\ucc45 \uc5c5\ub370\uc774\ud2b8\ub97c \ud3ec\ud568\ud558\uc5ec \uae08\uc735 \ud658\uacbd\uc758 \uc9c0\uc18d\uc801\uc778 \uaddc\uc81c \ubcc0\ud654\ub294 \uc740\ud589 \uc6b4\uc601, \uaddc\uc815 \uc900\uc218, \ub9ac\uc2a4\ud06c \uad00\ub9ac\uc5d0 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce58\uace0 \uc788\uc73c\uba70, \uae08\uc735 \uae30\uad00\uc740 \uc0c8\ub85c\uc6b4 \ud589\uc815\ubd80\uc640 \uad6d\uc81c\uae30\uad6c\uc758 \ubcc0\ud654\ud558\ub294 \uc6b0\uc120\uc21c\uc704\uc5d0 \ube60\ub974\uac8c \uc801\uc751\ud574\uc57c \ud569\ub2c8\ub2e4. \ubbf8\uad6d\uc740 2023\ub144\uc5d0 \ud558\uccad\uc5c5\uccb4\uc5d0 \ub300\ud55c \uc2e4\uc0ac \ubc0f BaaS \uacc4\uc57d\uc5d0 \ub300\ud55c \ucd9c\uad6c \uc804\ub7b5\uc744 \uc758\ubb34\ud654\ud558\ub294 \uae30\uad00 \uac04 \uc9c0\uce68\uc744 \ubc1c\ud45c\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">OCC\uc758 \uae08\uc735 \uae30\uc220 \uc0ac\ubb34\uc18c\ub294 \ud540\ud14c\ud06c \ud5cc\uc7a5\uc744 \ubc1c\ud589\ud558\ub294 \ub3d9\uc2dc\uc5d0 \uad6d\ub0b4 \uc740\ud589\uc758 \ud601\uc2e0\uc744 \uac10\ub3c5\ud569\ub2c8\ub2e4. 2023\ub144\uc5d0 \ucc44\ud0dd\ub41c EU\uc758 \uc554\ud638\ud654 \uc790\uc0b0 \uc2dc\uc7a5 \uaddc\uc815(2024\ub144\ubd80\ud130 \uc804\uba74 \uc2dc\ud589)\uc740 \uc554\ud638\ud654 \uc790\uc0b0 \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4\uc5d0 21\uc870\uc5d0\uc11c 81\uc870 \uc0ac\uc774\uc758 \uc790\ubcf8 \uc694\uac74\uc744 \uac16\ucd98 \ub77c\uc774\uc120\uc2a4\ub97c \ubd80\uc5ec\ud558\uace0 \uc2a4\ud14c\uc774\ube14\ucf54\uc778 \uc804\uc790\ud654\ud3d0 \ubc1c\ud589\uc744 2\uc5b5 \uc720\ub85c\ub85c \uc81c\ud55c\ud569\ub2c8\ub2e4. \uc601\uad6d\uc740 \uc2dc\uac00\ucd1d\uc561\uc774 100\uc5b5 \ud30c\uc6b4\ub4dc\ub97c \ucd08\uacfc\ud558\ub294 \uc2dc\uc2a4\ud15c\ud615 \uc2a4\ud14c\uc774\ube14\ucf54\uc778\uc5d0 \ub300\ud574 PRA\uc758 \uac10\ub3c5 \ud558\uc5d0 \ub2e8\uacc4\uc801\uc73c\ub85c \uc811\uadfc\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc9c0\ub2c8\uc5b4\uc2a4\ubc95\uc740 2026\ub144 7\uc6d4\uae4c\uc9c0 \ud3ec\uad04\uc801\uc778 \uc2a4\ud14c\uc774\ube14\ucf54\uc778 \ud504\ub808\uc784\uc6cc\ud06c\ub97c \uc758\ubb34\ud654\ud558\uc5ec \uc740\ud589\uc774 \ubc1c\ud589\ud558\ub294 \uc774\uc790 \uc218\uc775\ud615 \uc2a4\ud14c\uc774\ube14\ucf54\uc778\uc744 \ud5c8\uc6a9\ud560 \uc608\uc815\uc785\ub2c8\ub2e4. \uc2a4\uc704\uc2a4 FINMA\ub294 \ud1a0\ud070\uc744 \uacb0\uc81c, \uc720\ud2f8\ub9ac\ud2f0, \uc790\uc0b0 \uce74\ud14c\uace0\ub9ac\ub85c \ubd84\ub958\ud558\uc5ec \uc2a4\ud14c\uc774\ube14\ucf54\uc778\uc5d0 \ub300\ud574 100%\uc758 \uc900\ube44\uae08\uc744 \uc694\uad6c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uaddc\uc81c \ub2f9\uad6d\uc740 \uc810\uc810 \ub354 \uc740\ud589-\ud540\ud14c\ud06c \ud30c\ud2b8\ub108\uc2ed\uc744 \uaddc\uc81c \ub300\uc0c1 \uae30\uad00\uc758 \ud655\uc7a5\uc73c\ub85c \uac04\uc8fc\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc740\ud589\uc740 \uc11c\ube44\uc2a4 \uc81c\uacf5 \ubc29\uc2dd\uc5d0 \uad00\uacc4\uc5c6\uc774 \uaddc\uc81c \uc900\uc218, \uace0\uac1d \ubcf4\ud638, \ub370\uc774\ud130 \uac70\ubc84\ub10c\uc2a4\uc5d0 \ub300\ud55c \ucc45\uc784\uc744 \uc720\uc9c0\ud569\ub2c8\ub2e4. \uc774\ub85c \uc778\ud574 \ubcf5\uc7a1\ud55c \uc544\uc6c3\uc18c\uc2f1 \uccb4\uc778, AI \uae30\ubc18 \uc758\uc0ac \uacb0\uc815 \ub3c4\uad6c, \uad6d\uacbd\uc744 \ub118\ub098\ub4dc\ub294 \ub370\uc774\ud130 \ud750\ub984\uc73c\ub85c \uc778\ud574 \uac74\uc804\uc131 \ubc0f \ud589\ub3d9 \ub9ac\uc2a4\ud06c\uac00 \ubc1c\uc0dd\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ud540\ud14c\ud06c \ud30c\ud2b8\ub108\uc2ed\uc5d0\uc11c \uaddc\uc81c \ub2f9\uad6d\uc758 \uc8fc\uc758\uac00 \ud544\uc694\ud55c \ubd84\uc57c:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>MiCA \ubc0f \ubbf8\uad6d\uc758 \uc0c8\ub85c\uc6b4 \ud504\ub808\uc784\uc6cc\ud06c\uc5d0 \ub530\ub978 \uc2a4\ud14c\uc774\ube14\ucf54\uc778 \ubc1c\ud589 \ubc0f \uc900\ube44\uae08 \uc694\uac74<\/li>\n\n\n\n<li>\ub85c\ubcf4 \uc5b4\ub4dc\ubc14\uc774\uc2a4 \ud50c\ub7ab\ud3fc \ubc0f \uc790\ub3d9\ud654\ub41c \uc801\ud569\uc131 \ud3c9\uac00 \uaddc\uc815 \uc900\uc218<\/li>\n\n\n\n<li>\ub808\uadf8\ud14c\ud06c \uc194\ub8e8\uc158 \ubc0f API \uae30\ubc18 \uaddc\uc81c \ubcf4\uace0<\/li>\n\n\n\n<li>\uac10\ub3c5 \uc0cc\ub4dc\ubc15\uc2a4(\uc601\uad6d FCA\ub294 500\uac1c \uc774\uc0c1\uc758 \uae30\uc5c5\uc744 \ud14c\uc2a4\ud2b8\ud588\uc2b5\ub2c8\ub2e4)<\/li>\n\n\n\n<li>AI \uae30\ubc18 \ub300\ucd9c \uc758\uc0ac \uacb0\uc815\uc744 \uc704\ud55c \ubaa8\ub378 \ub9ac\uc2a4\ud06c \uad00\ub9ac<\/li>\n\n\n\n<li>CFPB \uc9c0\uce68\uc5d0 \ub530\ub978 \uc54c\uace0\ub9ac\uc998 \ud3b8\ud5a5\uc131 \ud14c\uc2a4\ud2b8<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass\ub294 \ubbf8\uad6d\uc774\ub098 \uc911\uad6d\uc758 \ud074\ub77c\uc6b0\ub4dc \uc0dd\ud0dc\uacc4\uc5d0 \ub300\ud55c \uc2a4\uc704\uc2a4\uc758 \ub300\uc548\uc744 \uc81c\uc2dc\ud558\uba70, \ubbf8\uad6d \ud074\ub77c\uc6b0\ub4dc\ubc95\uc774\ub098 \uc911\uad6d\uc758 \ub370\uc774\ud130 \ud604\uc9c0\ud654 \uc694\uac74\uc5d0 \ub178\ucd9c\ub418\uc9c0 \uc54a\uace0 AI \uae30\ubc18 \uc628\ubcf4\ub529 \ubc0f \uc790\ub3d9\ud654\ub97c \ud638\uc2a4\ud305\ud569\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \uae30\uc5c5\uc740 \ucd5c\uc2e0 \uae30\uc220\uc744 \ud65c\uc6a9\ud558\uba74\uc11c \uace0\uac1d \ub370\uc774\ud130\uc5d0 \ub300\ud55c \uc8fc\uad8c\uc744 \uc720\uc9c0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-cross-border-activity-data-protection-and-operational-resilience\">\uad6d\uacbd \uac04 \ud65c\ub3d9, \ub370\uc774\ud130 \ubcf4\ud638 \ubc0f \uc6b4\uc601 \ubcf5\uc6d0\ub825<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uad6d\uacbd\uc744 \ub118\ub098\ub4dc\ub294 \uc740\ud589 \ud65c\ub3d9\uc740 \uc5ec\ub7ec \uaddc\uc81c \uccb4\uc81c\ub97c \ub3d9\uc2dc\uc5d0 \uc720\ubc1c\ud569\ub2c8\ub2e4. \ud638\uc2a4\ud2b8 \uad6d\uac00\uc758 \ub77c\uc774\uc120\uc2a4 \uaddc\uc815, EU \uc9c0\uc810 \uc5ec\uad8c \ub610\ub294 \uc790\ud68c\uc0ac \uaddc\uc815\uc5d0 \ub530\ub978 \ud604\uc9c0 \uc790\ubcf8 \uc694\uac74, \ubbf8 \ub2ec\ub7ec\ud654 \uccad\uc0b0\uc5d0 \uc801\uc6a9\ub418\ub294 \ubbf8\uad6d OFAC \uc81c\uc7ac\uc640 \uac19\uc740 \uce58\uc678\ubc95\uad8c \uc81c\ub3c4\ub294 \ubaa8\ub450 \uad6d\uc81c \uc740\ud589 \uc6b4\uc601\uc5d0 \uaddc\uc815 \uc900\uc218 \ubcf5\uc7a1\uc131\uc744 \uc57c\uae30\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub370\uc774\ud130 \ubcf4\ud638\ubc95\uc740 \uc740\ud589 \uaddc\uc815\uacfc \uc9c1\uc811\uc801\uc73c\ub85c \uad50\ucc28\ud569\ub2c8\ub2e4. EU \uc77c\ubc18 \ub370\uc774\ud130 \ubcf4\ud638 \uaddc\uc815\uc740 \ud45c\uc900 \uacc4\uc57d \uc870\ud56d\uc774\ub098 \uad6c\uc18d\ub825 \uc788\ub294 \uae30\uc5c5 \uaddc\uce59 \uc5c6\uc774 \ubd80\uc801\ud569\ud55c \uad6d\uac00\ub85c\uc758 \uc774\uc804\uc744 \uae08\uc9c0\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. Meta\ub294 2023\ub144\uc5d0 \ub370\uc774\ud130 \uc774\uc804 \uc704\ubc18\uc73c\ub85c 12\uc5b5 \uc720\ub85c\uc758 \ubc8c\uae08\uc744 \ubd80\uacfc\ubc1b\uc558\uc2b5\ub2c8\ub2e4. 2023\ub144\uc5d0 \ub300\ud3ed \uac1c\uc815\ub41c \uc2a4\uc704\uc2a4 \ub370\uc774\ud130 \ubcf4\ud638\uc5d0 \uad00\ud55c \uc5f0\ubc29\ubc95\uc740 \uc8fc \ub2e8\uc704\uc758 \uc2dc\ud589\uc73c\ub85c GDPR \uc694\uac74\uc744 \ubc18\uc601\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc601\uad6d GDPR\uc740 \ube0c\ub809\uc2dc\ud2b8 \uc774\ud6c4 \ud750\ub984\uc5d0 \ub300\ud55c \uad6d\uc81c \ub370\uc774\ud130 \uc804\uc1a1 \uacc4\uc57d\uc744 \ucd94\uac00\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc6b4\uc601 \ubcf5\uc6d0\ub825 \uc758\ubb34\ub294 \uacc4\uc18d \ud655\ub300\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. 2025\ub144\uc5d0 \ubc1c\ud6a8\ub418\ub294 EU \ub514\uc9c0\ud138 \uc6b4\uc601 \ubcf5\uc6d0\ub825 \ubc95\uc740 4\uc2dc\uac04 \uc774\ub0b4\uc5d0 ICT \uc0ac\uace0 \ubcf4\uace0, \uc885\ub8cc \uad8c\ud55c\uc774 \uc788\ub294 \uc81c3\uc790 \uacc4\uc57d, 22\uac1c \uc911\uc694 \uc11c\ube44\uc2a4\uc5d0 \ub300\ud55c \uc801\uc6a9\uc744 \uc694\uad6c\ud569\ub2c8\ub2e4. \uc601\uad6d PRA \ubc0f FCA \uc815\ucc45\uc740 \uc911\ub2e8\uc5d0 \ub300\ud55c \ub0b4\uacb0\ud568\uc131 \ud14c\uc2a4\ud2b8\ub97c \uc694\uad6c\ud569\ub2c8\ub2e4. FINMA\uc758 \uc544\uc6c3\uc18c\uc2f1 \uc21c\ud658 \uaddc\uc815\uc740 \ud558\uc704 \uc544\uc6c3\uc18c\uc2f1\uc5c5\uccb4\uc758 \ud22c\uba85\uc131\uc744 \uc758\ubb34\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uaddc\uc81c \ub2f9\uad6d\uc740 \uc911\uc694 \ub370\uc774\ud130\uc640 \uc2dc\uc2a4\ud15c\uc5d0 \ub300\ud55c \uba85\ud655\ud55c \uc81c\uc5b4\ub97c \uc810\uc810 \ub354 \uc120\ud638\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. EBA \ud074\ub77c\uc6b0\ub4dc \uac00\uc774\ub4dc\ub77c\uc778\uc740 70%\uc758 EU \uc740\ud589 \ud074\ub77c\uc6b0\ub4dc \uc218\uc694\ub97c \ucda9\uc871\ud558\ub294 AWS\uc640 Azure\uc758 \uc9d1\uc911 \uc704\ud5d8\uc744 \uc9c0\uc801\ud558\uba70 \ub370\uc774\ud130 \ud604\uc9c0\ud654 \uc99d\uba85 \ubc0f \uac10\uc0ac \uad8c\ud55c \uc870\ud56d\uc744 \uc694\uad6c\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uac15\ub825\ud55c \uae30\uc220 \uc194\ub8e8\uc158\uc774 \ud544\uc694\ud55c \uad6d\uacbd\uc744 \ub118\ub098\ub4dc\ub294 \ub3c4\uc804 \uacfc\uc81c:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ubbf8\uad6d\uacfc \uc720\ub7fd\uc5f0\ud569 \uac04 \uc81c\uc7ac \uce58\uc678\ubc95\uad8c \uc0c1\ucda9 \ubb38\uc81c<\/li>\n\n\n\n<li>\ub370\uc774\ud130 \uc804\uc1a1 \uba54\ucee4\ub2c8\uc998 \uc120\ud0dd(\uc801\uc815\uc131 \uacb0\uc815 \ub300 \uc548\uc804\uc7a5\uce58)<\/li>\n\n\n\n<li>\uc544\uc6c3\uc18c\uc2f1 \uccb4\uc778 \ud22c\uba85\uc131 \ubc0f \uac10\uc0ac \uad8c\ud55c \uc870\ud56d<\/li>\n\n\n\n<li>\ud0c0\uc0ac \uc81c\uacf5\uc5c5\uccb4\uc758 \ucd9c\uad6c \uc804\ub7b5<\/li>\n\n\n\n<li>\ubcf5\uc6d0\ub825 \ud14c\uc2a4\ud2b8 \ubc0f \uc778\uc2dc\ub358\ud2b8 \ubcf4\uace0 \uc77c\uc815<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass\uc758 \uc628\ud504\ub808\ubbf8\uc2a4 \ub610\ub294 \uc2a4\uc704\uc2a4 \ud638\uc2a4\ud305 \uc635\uc158\uc740 BCBS 239 \uc704\ud5d8 \ub370\uc774\ud130 \uc9d1\uacc4 \uc694\uac74\uc5d0 \ub530\ub978 \ubcf5\uc6d0\ub825 \ub9e4\ud551, \ucd9c\uad6c \uacc4\ud68d \ubc0f \ubcf4\uace0\ub97c \uc9c0\uc6d0\ud569\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \uc740\ud589\uacfc \uc790\uc0b0 \uad00\ub9ac\uc790\ub294 \uaddc\uc81c \ubcf4\uace0 \ubc0f \uac10\ub3c5 \ucffc\ub9ac\uc5d0 \ub300\ud55c \ud1b5\uc81c\ub825\uc744 \uac15\ud654\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-central-banking-and-monetary-policy-in-banking-regulation\">\uc740\ud589 \uaddc\uc81c\uc5d0\uc11c \uc911\uc559\uc740\ud589\uacfc \ud1b5\ud654 \uc815\ucc45<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc911\uc559\uc740\ud589\uc740 \uc740\ud589 \uc2dc\uc2a4\ud15c\uc744 \uaddc\uc81c\ud558\uace0 \ud1b5\ud654 \uc815\ucc45\uc744 \ud1b5\ud574 \ub354 \ub113\uc740 \uacbd\uc81c\ub97c \uc774\ub044\ub294 \uadfc\ubcf8\uc801\uc778 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \ubbf8\uad6d\uc5d0\uc11c\ub294 \uc5f0\ubc29\uc900\ube44\uc81c\ub3c4\uc774\uc0ac\ud68c\uac00 \uc911\uc559\uc740\ud589 \uc5ed\ud560\uc744 \ud558\uba70 \uc740\ud589\uc9c0\uc8fc\ud68c\uc0ac, \uc8fc\ub9bd\uc740\ud589, \ubbf8\uad6d \ub0b4\uc5d0\uc11c \uc6b4\uc601\ub418\ub294 \uc678\uad6d\uacc4 \uc740\ud589\uc744 \ud3ec\ud568\ud55c \ub2e4\uc591\ud55c \uae30\uad00\uc744 \uac10\ub3c5\ud569\ub2c8\ub2e4. \uc5f0\ubc29\uc900\ube44\uc81c\ub3c4\uc758 \uaddc\uc81c \uad8c\ud55c\uc5d0\ub294 \uc740\ud589\uc774 \uc900\ube44\uae08\uc73c\ub85c \ubcf4\uc720\ud574\uc57c \ud558\ub294 \uc790\uae08\uc758 \uc591\uacfc \ub354 \ub098\uc544\uac00 \uacbd\uc81c\uc758 \uc2e0\uc6a9 \uac00\uc6a9\uc131\uc5d0 \uc9c1\uc811\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294 \uc900\ube44\uae08 \uc694\uac74\uc758 \uc124\uc815 \ubc0f \uc2dc\ud589\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc5f0\ubc29\uc900\ube44\uc81c\ub3c4\uc758 \uc601\ud5a5\ub825\uc740 \uaddc\uc81c\ub97c \ub118\uc5b4 \ud1b5\ud654 \uc815\ucc45\uc758 \uc2e4\ud589\uc5d0\uae4c\uc9c0 \ubbf8\uce69\ub2c8\ub2e4. \uae30\uc900\uae08\ub9ac\ub97c \uc124\uc815\ud558\uace0 \uad6d\ucc44 \ub9e4\ub9e4\uc640 \uac19\uc740 \uacf5\uac1c \uc2dc\uc7a5 \uc6b4\uc601\uc744 \ud1b5\ud574 \uc5f0\uc900\uc740 \ucc28\uc785 \ube44\uc6a9, \uc720\ub3d9\uc131 \ubc0f \uc804\ubc18\uc801\uc778 \uacbd\uc81c \ud65c\ub3d9\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc815\ucc45 \uacb0\uc815\uc740 \uae08\uc735 \uae30\uad00\uc758 \uc6b4\uc601 \ud658\uacbd\uc744 \ud615\uc131\ud558\uace0 \ub300\ucd9c \ubc0f \ud22c\uc790 \uc804\ub7b5\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294 \ub4f1 \uc740\ud589 \uc2dc\uc2a4\ud15c\uc5d0 \uc9c1\uc811\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc5f0\ubc29\uc900\ube44\uc81c\ub3c4\ub294 \uc774\uc911\uc801\uc778 \uc5ed\ud560\uc744 \ud1b5\ud574 \uc740\ud589\uc774 \ucda9\uaca9\uc5d0 \ub300\ud55c \ubcf5\uc6d0\ub825\uc744 \uc720\uc9c0\ud558\uace0 \uac00\uacc4\uc640 \uae30\uc5c5\uc5d0 \ub300\ud55c \uc2e0\uc6a9 \ud750\ub984\uc774 \uc720\uc9c0\ub418\ub3c4\ub85d \ud568\uc73c\ub85c\uc368 \uae08\uc735 \uc548\uc815\uc744 \uc9c0\uc6d0\ud569\ub2c8\ub2e4. \uaddc\uc81c \uac10\ub3c5\uacfc \ud1b5\ud654 \uc815\ucc45\uc758 \uc0c1\ud638 \uc791\uc6a9\uc740 \uc2dc\uc2a4\ud15c \ub9ac\uc2a4\ud06c\ub97c \uad00\ub9ac\ud558\uace0 \uacbd\uc81c \uc131\uc7a5\uc744 \uc9c0\uc6d0\ud558\uba70 \uae08\uc735 \uc2dc\uc2a4\ud15c \uc804\ubc18\uc758 \uac74\uc804\uc131\uc744 \ubcf4\ud638\ud558\ub294 \ub370 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-role-of-governance-internal-controls-and-compliance-culture\">\uac70\ubc84\ub10c\uc2a4, \ub0b4\ubd80 \ud1b5\uc81c \ubc0f \uaddc\uc815 \uc900\uc218 \ubb38\ud654\uc758 \uc5ed\ud560<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc740\ud589 \uac70\ubc84\ub10c\uc2a4\uc5d0 \ub300\ud55c \uac10\ub3c5 \ub2f9\uad6d\uc758 \uae30\ub300\uce58\uac00 \ud06c\uac8c \uac15\ud654\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\uc0ac\ud68c\ub294 \uc804\ub7b5\uacfc \ub9ac\uc2a4\ud06c \uc131\ud5a5\uc744 \uac10\ub3c5\ud558\uace0, \ub9ac\uc2a4\ud06c \uc704\uc6d0\ud68c\ub294 \ubaa8\ub378\uc744 \uc2b9\uc778\ud558\uba70, 3\uc911 \ubc29\uc5b4\uc120 \ubaa8\ub378\uc740 \ube44\uc988\ub2c8\uc2a4 \uae30\ub2a5, \ub9ac\uc2a4\ud06c \uad00\ub9ac, \ub3c5\ub9bd \uac10\uc0ac\ub97c \ubd84\ub9ac\ud574\uc57c \ud569\ub2c8\ub2e4. \uae08\uc735\uc9c0\uc8fc\ud68c\uc0ac\ub294 \uc5f0\ubc29 \uae30\uad00\uc73c\ub85c\ubd80\ud130 \ucd94\uac00\uc801\uc778 \uc870\uc0ac\ub97c \ubc1b\uac8c \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2015\ub144\uc5d0 \uac1c\uc815\ub41c \ubc14\uc824\uc704\uc6d0\ud68c\uc758 \uc740\ud589\uc5d0 \ub300\ud55c \uae30\uc5c5 \uc9c0\ubc30\uad6c\uc870 \uc6d0\uce59\uc740 \uae00\ub85c\ubc8c \ud45c\uc900\uc744 \uc218\ub9bd\ud569\ub2c8\ub2e4. ECB\uc758 BCBS 239 \uc694\uac74\uc740 \uc804 \uc138\uacc4\uc801\uc73c\ub85c \uc2dc\uc2a4\ud15c\uc801\uc73c\ub85c \uc911\uc694\ud55c \uc740\ud589\uc5d0 \ub300\ud574 72\uc2dc\uac04 \uc774\ub0b4\uc5d0 \ub9ac\uc2a4\ud06c \ub370\uc774\ud130\ub97c \uc9d1\uacc4\ud558\ub3c4\ub85d \uc758\ubb34\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. PRA \ud504\ub808\uc784\uc6cc\ud06c\ub294 \ub9e4\ub144 S.165 \uc694\uccad\uc744 \uc694\uad6c\ud569\ub2c8\ub2e4. FINMA\ub294 \uc900\ubc95\uac10\uc2dc\uc778\uc758 \ub3c5\ub9bd\uc131\uc744 \uac15\uc870\ud558\uace0 \uc788\uc73c\uba70, \uc790\uc0b0 1\uc870 4,500\uc5b5 \ub2ec\ub7ec\ub97c \ucd08\uacfc\ud558\ub294 \uc740\ud589\uc5d0 \ub300\ud55c OCC \uac00\uc774\ub4dc\ub77c\uc778\uc740 \uc11c\uba74 \uac70\ubc84\ub10c\uc2a4 \ud504\ub808\uc784\uc6cc\ud06c\ub97c \uc694\uad6c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud6a8\uacfc\uc801\uc778 \uaddc\uc815 \uc900\uc218 \ubb38\ud654\uc5d0\ub294 \uba85\ud655\ud55c \uc815\ucc45, \uc9c1\uc6d0 \uad50\uc721 \ud504\ub85c\uadf8\ub7a8, EU \ub0b4\ubd80\uace0\ubc1c\uc790 \uc9c0\uce68\uc5d0 \ub530\ub978 \ub0b4\ubd80\uace0\ubc1c \uba54\ucee4\ub2c8\uc998, \uc77c\uc0c1 \ud504\ub85c\uc138\uc2a4\uc5d0 \ud1b5\uc81c \uae30\ub2a5\uc744 \ub0b4\uc7a5\ud558\ub294 \uae30\uc220\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4. FCA\ub294 2023\ub144 \uac15\ud654\ub41c \uad50\uc721 \uc694\uac74 \uc774\ud6c4 \uc704\ubc95 \ud589\uc704 \uc2e0\uace0\uac00 201\ub144 \ub300\ube44 3% \uac10\uc18c\ud588\ub2e4\uace0 \ubcf4\uace0\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uaddc\uc815 \uc900\uc218 \ub2f4\ub2f9\uc790\ub294 \uaddc\uc815 \ubcc0\uacbd \uc0ac\ud56d\uc744 \ucd94\uc801\ud558\uace0(EU\uc5d0\uc11c\ub294 \ub9e4\ub144 5,000\ud398\uc774\uc9c0\uac00 \ub118\ub294 \uc0c8\ub85c\uc6b4 \uaddc\uc815\uc774 \ub9cc\ub4e4\uc5b4\uc9d0), \uc704\ud5d8 \uad00\ub9ac\ub97c \uc704\ud574 \uc2e0\uc81c\ud488\uc744 \uc2ec\uc0ac\ud558\uba70, \uc2dc\uc2a4\ud15c\uc774 KYC, \uc801\ud569\uc131, \uae30\ub85d \ubcf4\uad00\uacfc \uac19\uc740 \uc758\ubb34\ub97c \uc9c0\uc6d0\ud558\ub294\uc9c0 \ud655\uc778\ud569\ub2c8\ub2e4. \ub610\ud55c \uaddc\uc815 \uc900\uc218 \uc704\ud5d8\uc744 \uc120\uc81c\uc801\uc73c\ub85c \ud574\uacb0\ud558\uace0 \uc9d1\ud589 \uc870\uce58\uc5d0 \ub300\ube44\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uc8fc\uc758\uac00 \ud544\uc694\ud55c \uac70\ubc84\ub10c\uc2a4 \uc694\uc18c:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc774\uc0ac\ud68c \uc704\ud5d8 \uc120\ud638\ub3c4 \uc9c4\uc220 \ubc0f \uc5f0\uac04 \uac80\ud1a0 \ud504\ub85c\uc138\uc2a4<\/li>\n\n\n\n<li>\uc138 \uac00\uc9c0 \ubc29\uc5b4 \ubaa8\ub378 \uad6c\ud604<\/li>\n\n\n\n<li>BCBS 239 \ub9ac\uc2a4\ud06c \ub370\uc774\ud130 \uc9d1\uacc4 \ubc0f \ubcf4\uace0 \uae30\ub2a5<\/li>\n\n\n\n<li>\uce21\uc815 \uac00\ub2a5\ud55c \uc131\uacfc\uac00 \uc788\ub294 \uad50\uc721 \ud504\ub85c\uadf8\ub7a8<\/li>\n\n\n\n<li>\ub0b4\ubd80 \uace0\ubc1c\uc790 \ud56b\ub77c\uc778 \ubc0f \ubcf4\ud638 \uba54\ucee4\ub2c8\uc998<\/li>\n\n\n\n<li>\uc774\uc0ac\ud68c\uc5d0 \uc9c1\uc811 \uc561\uc138\uc2a4\ud560 \uc218 \uc788\ub294 \ub3c5\ub9bd\uc801\uc778 \uaddc\uc815 \uc900\uc218 \uae30\ub2a5<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass\ub97c \ud1b5\ud574 \uae30\uad00\uc740 \uac70\ubc84\ub10c\uc2a4 \ud45c\uc900 \ubc0f \uc5f0\ubc29\ubc95\uacfc \uc8fc\ubc95\uc5d0 \ubd80\ud569\ud558\ub294 \uc2b9\uc778 \uc6cc\ud06c\ud50c\ub85c, \uaddc\uce59 \uae30\ubc18 \ud655\uc778 \ubc0f \uc99d\uac70 \ub85c\uadf8\ub97c \uad6c\uc131\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \uc2ec\uc0ac \uc2dc \uaddc\uc81c \ub2f9\uad6d\uc5d0 \uaddc\uc815 \uc900\uc218\ub97c \uc785\uc99d\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-regulation-of-bank-holding-companies-and-affiliates\">\uc740\ud589 \uc9c0\uc8fc\ud68c\uc0ac \ubc0f \uacc4\uc5f4\uc0ac \uaddc\uc815<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc740\ud589\uc9c0\uc8fc\ud68c\uc0ac(BHC)\ub294 \ud604\ub300 \uc740\ud589 \uc2dc\uc2a4\ud15c \uad6c\uc870\uc758 \ud575\uc2ec\uc73c\ub85c, \uc5ec\ub7ec \uc740\ud589\uacfc \ub2e4\uc591\ud55c \uae08\uc735 \uc11c\ube44\uc2a4 \uacc4\uc5f4\uc0ac\ub97c \uc9c0\ubc30\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \uc5f0\ubc29\uc900\ube44\uc81c\ub3c4\uc774\uc0ac\ud68c\ub294 BHC\ub97c \uac10\ub3c5\ud558\ub294 \uc8fc\uc694 \uaddc\uc81c \uae30\uad00\uc73c\ub85c, \uc774\ub7ec\ud55c \ubc95\uc778\uc774 \uc7ac\ubb34 \uc0c1\ud0dc, \uc704\ud5d8 \uad00\ub9ac, \uad00\ub828 \ubc95\ub960 \ubc0f \uaddc\uc815 \uc900\uc218\uc5d0 \ub300\ud55c \uac15\ub825\ud55c \ud45c\uc900\uc744 \uc900\uc218\ud558\ub3c4\ub85d \ubcf4\uc7a5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc740\ud589\uc9c0\uc8fc\ud68c\uc0ac\ubc95\uc5d0 \ub530\ub77c BHC\ub294 \uc5f0\ubc29\uc900\ube44\uc740\ud589\uc5d0 \ub4f1\ub85d\ud558\uace0 \uc7ac\ubb34 \uac74\uc804\uc131 \ubc0f \uc6b4\uc601 \ud65c\ub3d9\uc744 \uc790\uc138\ud788 \uc124\uba85\ud558\ub294 \uc815\uae30 \ubcf4\uace0\uc11c\ub97c \uc81c\uacf5\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uaddc\uc81c \uac10\ub3c5\uc740 BHC\uc758 \uacc4\uc5f4\uc0ac, \uc740\ud589 \ub610\ub294 BHC\uac00 \uc18c\uc720\ud558\uac70\ub098 \ud1b5\uc81c\ud558\ub294 \ud68c\uc0ac\ub85c \ud655\ub300\ub418\uba70, \uc774\ub4e4\uc758 \ud65c\ub3d9\uc774 \ubaa8\uae30\uad00 \ub610\ub294 \ub354 \ub113\uc740 \uc740\ud589 \uc2dc\uc2a4\ud15c\uc758 \uc548\uc804\uacfc \uac74\uc804\uc131\uc744 \uc190\uc0c1\uc2dc\ud0a4\uc9c0 \uc54a\ub3c4\ub85d \ubaa8\ub2c8\ud130\ub9c1\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc5f0\ubc29\uc900\ube44\uc81c\ub3c4\uc774\uc0ac\ud68c\ub294 BHC\uc640 \uadf8 \uacc4\uc5f4\uc0ac\uc5d0 \ub300\ud55c \uc5c4\uaca9\ud55c \uac10\ub3c5\uc744 \uc720\uc9c0\ud568\uc73c\ub85c\uc368 \uae08\uc735 \uc548\uc815\uc131\uc744 \uc704\ud611\ud560 \uc218 \uc788\ub294 \ub9ac\uc2a4\ud06c\uac00 \uc313\uc774\ub294 \uac83\uc744 \ubc29\uc9c0\ud558\ub294 \ub370 \ub3c4\uc6c0\uc744 \uc90d\ub2c8\ub2e4. \uc5ec\uae30\uc5d0\ub294 \ubc95\ub960 \ubc0f \uaddc\uc815 \uc900\uc218 \ubaa8\ub2c8\ud130\ub9c1, \ub9ac\uc2a4\ud06c \uad00\ub9ac \ud504\ub808\uc784\uc6cc\ud06c \ud3c9\uac00, \uc0c8\ub85c\uc6b4 \ucde8\uc57d\uc810 \ud574\uacb0\uc744 \uc704\ud574 \ud544\uc694\ud55c \uacbd\uc6b0 \uac1c\uc785\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4. \uc9c0\uc8fc\ud68c\uc0ac \uad6c\uc870 \ub0b4\uc5d0\uc11c \uc6b4\uc601\ub418\ub294 \uae08\uc735\uae30\uad00\uc758 \uacbd\uc6b0 \uac15\ub825\ud55c \uc9c0\ubc30\uad6c\uc870\uc640 \uaddc\uc81c \uc694\uac74 \uc900\uc218\ub97c \uc785\uc99d\ud558\ub294 \uac83\uc740 \uc740\ud589 \ubd80\ubb38\uc758 \uc2e0\ub8b0\uc640 \uc548\uc815\uc131\uc744 \uc720\uc9c0\ud558\ub294 \ub370 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-technology-and-sovereign-platforms-support-regulatory-compliance\">\uae30\uc220 \ubc0f \uc18c\ubc84\ub9b0 \ud50c\ub7ab\ud3fc\uc774 \uaddc\uc81c \uc900\uc218\ub97c \uc9c0\uc6d0\ud558\ub294 \ubc29\ubc95<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ud604\ub300\uc758 \uc740\ud589\uacfc \uc790\uc0b0 \uad00\ub9ac\uc790\ub294 CRM, \uc628\ubcf4\ub529, \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad00\ub9ac, \ucee4\ubba4\ub2c8\ucf00\uc774\uc158\uc744 \uc704\ud55c \ud1b5\ud569 \ub514\uc9c0\ud138 \uc778\ud504\ub77c\uc5d0 \uc758\uc874\ud558\uc5ec \uaddc\uc81c\uc758 \uae30\ub300\uce58\ub97c \ud6a8\uc728\uc801\uc73c\ub85c \ucda9\uc871\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub9e5\ud0a8\uc9c0 \uc5f0\uad6c\uc5d0 \ub530\ub974\uba74 \uc790\ub3d9\ud654\ub97c \ud1b5\ud574 KYC \ube44\uc6a9\uc744 401\uc8703\ucc9c\uc5b5 \uc6d0 \uc808\uac10\ud558\ub294 \ub3d9\uc2dc\uc5d0 801\uc8703\ucc9c\uc5b5 \uc6d0\uc758 \ud45c\uc900 \uac80\uc99d \ud504\ub85c\uc138\uc2a4\ub97c \ucc98\ub9ac\ud560 \uc218 \uc788\ub2e4\uace0 \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uadf8\ub7ec\ub098 \uac10\ub3c5 \ub2f9\uad6d\uc740 \uc544\uc6c3\uc18c\uc2f1\uacfc \ud074\ub77c\uc6b0\ub4dc \uc9d1\uc911 \uc704\ud5d8\uc5d0 \ub300\ud574 \uc810\uc810 \ub354 \uc6b0\ub824\ub97c \ud45c\uba85\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. EBA\uc640 PRA\ub294 \ube44\uc720\ub7fd \ub300\ud615 \uc81c\uacf5\uc5c5\uccb4\uc5d0 \ub300\ud55c \uc758\uc874\ub3c4\uc640 \uad6d\uacbd\uc744 \ub118\ub294 \ub370\uc774\ud130 \uc804\uc1a1\uc758 \ubcf5\uc7a1\uc131\uc744 \uc704\ud5d8 \uc694\uc18c\ub85c \uc9c0\uc801\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. 2024\ub144 ECB\uc758 \uc124\ubb38\uc870\uc0ac\uc5d0 \ub530\ub974\uba74 \uc774\ub7ec\ud55c \uc6b0\ub824\ub97c \ud574\uacb0\ud558\uae30 \uc704\ud574 \uad6d\uc601 \ud074\ub77c\uc6b0\ub4dc \uc194\ub8e8\uc158\uc744 \uc6b0\uc120\uc2dc\ud558\ub294 \uae30\uad00\uc774 601\uac1c\uc5d0 \ub2ec\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc720\ub7fd\uacfc \uc2a4\uc704\uc2a4 \uae30\uad00\ub4e4\uc740 \ud074\ub77c\uc6b0\ub4dc\ubc95 \uc18c\ud658 \uc704\ud5d8\uc73c\ub85c \uc778\ud574 \ubbf8\uad6d \ud50c\ub7ab\ud3fc\uc744, \ub370\uc774\ud130 \ud604\uc9c0\ud654 \uc6b0\ub824\ub85c \uc778\ud574 \uc911\uad6d \ud50c\ub7ab\ud3fc\uc744 \uc810\uc810 \ub354 \uae30\ud53c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uaddc\uc81c \uc870\uc0ac\ub294 \ubbfc\uac10\ud55c \uc720\ub7fd \uace0\uac1d \ub370\uc774\ud130\uc5d0 \uc561\uc138\uc2a4\ud558\ub294 \uc678\uad6d \uc740\ud589 \ubc0f \uad6d\uc81c \uc740\ud589 \uc5c5\ubb34\uc5d0 \ub300\ud55c \uad11\ubc94\uc704\ud55c \uc6b0\ub824\uc640 \ub9de\ubb3c\ub824 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass\ub294 \uc2a4\uc704\uc2a4 \ub370\uc774\ud130 \uc13c\ud130\uc758 CRM, \ub514\uc9c0\ud138 \uc628\ubcf4\ub529 \ubc0f KYC, \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad00\ub9ac, \uaddc\uc815 \uc900\uc218 \uc6cc\ud06c\ud50c\ub85c, \ub9c8\ucf00\ud305 \uc790\ub3d9\ud654, \uace0\uac1d \ud3ec\ud138\uc744 FINMA \ub77c\uc774\uc120\uc2a4 \uc778\ud504\ub77c\uc640 \uacb0\ud569\ud569\ub2c8\ub2e4. \uc628\ud504\ub808\ubbf8\uc2a4 \ubc30\ud3ec \uc635\uc158\uc740 \ud574\uc678 \uad00\ud560\uad8c\uc5d0 \ub300\ud55c \ub178\ucd9c\uc744 \uc644\uc804\ud788 \uc81c\uac70\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uc911\uac04 \uaddc\ubaa8 \uae30\uad00\uc744 \uc704\ud55c \uc2e4\uc6a9\uc801\uc778 \uc560\ud50c\ub9ac\ucf00\uc774\uc158:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc2e4\uc0ac \uc6cc\ud06c\ud50c\ub85c\uc6b0\ub97c \uac1c\uc120\ud558\uae30 \uc704\ud574 InvestGlass\ub97c \ub3c4\uc785\ud55c \ud55c \uc911\uacac \uc790\uc0b0 \uc6b4\uc6a9\uc0ac\ub294 SAR \uac80\ud1a0 \uc2dc\uac04\uc744 50% \ub2e8\ucd95\ud588\ub2e4\uace0 \ubcf4\uace0\ud588\uc2b5\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\uc628\ud504\ub808\ubbf8\uc2a4 \ubc30\ud3ec\ub97c \ud1b5\ud574 FADP \uaddc\uc815\uc744 \uc900\uc218\ud558\ub294 \uc2a4\uc704\uc2a4 \ubbfc\uac04 \uc740\ud589\uc740 \uc644\uc804\ud55c \ub370\uc774\ud130 \uc8fc\uad8c\uc744 \uc720\uc9c0\ud558\uba74\uc11c \uc18c\ube44\uc790 \uc758\ubb34 \ubcf4\uace0\ub97c \uac04\uc18c\ud654\ud588\uc2b5\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\ud55c \uc720\ub7fd \uc790\uc0b0 \uc6b4\uc6a9\uc0ac\ub294 \uc678\ubd80 \uac1c\ubc1c \ub9ac\uc18c\uc2a4 \uc5c6\uc774\ub3c4 CRR3 \uc694\uad6c \uc0ac\ud56d\uc5d0 \ub9de\uac8c \uc6cc\ud06c\ud50c\ub85c\uc6b0\ub97c \uc870\uc815\ud558\uae30 \uc704\ud574 \ucf54\ub4dc\uac00 \ud544\uc694 \uc5c6\ub294 \uaddc\uce59 \uc5d4\uc9c4\uc744 \uad6c\uc131\ud588\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774 \uc544\ud0a4\ud14d\ucc98\ub294 \ubcc0\uacbd \ubd88\uac00\ub2a5\ud55c \uac10\uc0ac \ucd94\uc801, \uaddc\uc815 \ucffc\ub9ac\ub97c \uc704\ud55c \uc2e4\uc2dc\uac04 \ub300\uc2dc\ubcf4\ub4dc, \uc5f0\ubc29 \uaddc\uc815 \ubc0f \uad00\ub828 \ubc95\ub960\uc5d0 \ub530\ub77c \uaddc\uce59\uc774 \ubcc0\uacbd\ub420 \ub54c \uc801\uc751 \uac00\ub2a5\ud55c \uc6cc\ud06c\ud50c\ub85c\uc6b0\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion-and-future-outlook-for-banking-industry-regulations\">\uc740\ud589 \uc0b0\uc5c5 \uaddc\uc81c\uc5d0 \ub300\ud55c \uacb0\ub860 \ubc0f \ud5a5\ud6c4 \uc804\ub9dd<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774 \uae00\uc5d0\uc11c \uc0b4\ud3b4\ubcf8 \ubc14\uc824 III \uc0b0\ucd9c \uae30\uc900\uc5d0 \ub530\ub978 \uac74\uc804\uc131 \uae30\uc900, \ud589\ub3d9 \ubc0f \uc18c\ube44\uc790 \ubcf4\ud638 \uc694\uac74, AML \ubc0f \uc81c\uc7ac \uc900\uc218, \ud540\ud14c\ud06c \ubc0f BaaS \uac10\ub3c5, \uad6d\uacbd \uac04 \ubc0f \ub370\uc774\ud130 \ubcf4\ud638 \uaddc\uce59, \uc9c0\ubc30\uad6c\uc870 \uae30\ub300\uce58 \ub4f1 \uaddc\uc81c \uae30\ub465\uc740 \uc740\ud589 \uc0b0\uc5c5 \uaddc\uc81c\uc758 \ud575\uc2ec\uc73c\ub85c \uc720\uc9c0\ub420 \uac83\uc785\ub2c8\ub2e4. \uc2e0\uc6a9 \uc870\ud569, \uc800\ucd95 \ud611\ud68c, \uc0c1\uc5c5 \uc740\ud589\uc740 \ubb34\ub514\uc2a4\uc640 S&amp;P\uac00 2026\ub144\uae4c\uc9c0 \uc548\uc815\uc801\uc778 \uc131\uc7a5\uc138\uac00 \uc790\uc0b0 \uac74\uc804\uc131\uc744 \ub4b7\ubc1b\uce68\ud560 \uac83\uc73c\ub85c \uc804\ub9dd\ud558\uba74\uc11c \uc9c0\uc18d\uc801\uc778 \uaddc\uc81c \uc870\uc0ac\uc5d0 \uc9c1\uba74\ud574 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2026\ub144 \uc774\ud6c4\uc758 \uc0c8\ub85c\uc6b4 \ud14c\ub9c8\ub85c\ub294 \uc2e0\uc6a9 \ubc0f \uc801\ud569\uc131 \uacb0\uc815\uc5d0\uc11c\uc758 AI \uac70\ubc84\ub10c\uc2a4(ECB \uc2dc\ubc94 \uc6b4\uc601 \uacb0\uacfc 70%\uc758 \uc2e0\uc6a9 \ubaa8\ub378\uc5d0 AI\uac00 \uad00\uc5ec\ud558\ub294 \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4), 2026\ub144\ubd80\ud130 \uc758\ubb34\ud654\ub418\ub294 EU CSRD\uc758 \uae30\ud6c4 \ub9ac\uc2a4\ud06c \uacf5\uac1c \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4, <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ko\/%ed%88%ac%ec%9e%90%ec%97%90%ec%84%9c-%ed%9a%a8%ea%b3%bc%ec%a0%81%ec%9d%b8-esg-%ed%86%b5%ed%95%a9%ec%9d%84-%ec%9c%84%ed%95%9c-%ec%a3%bc%ec%9a%94-%ec%a0%84%eb%9e%b5\/\" target=\"_self\">ESG \ud1b5\ud569<\/a> FINMA\uc758 \uadf8\ub9b0\uc6cc\uc2f1 \uc870\uc0ac, \uc9c0\ub2c8\uc5b4\uc2a4\ubc95 \uc2a4\ud14c\uc774\ube14\ucf54\uc778 \ubc0f \uc601\uad6d\uc758 \uc81c\ub3c4\uc801 \uae30\uc900\uce58 \ub4f1 \uc554\ud638\ud654\ud3d0 \uc790\uc0b0\uc5d0 \ub300\ud55c \uac1c\uc120\uc774 \uc774\ub8e8\uc5b4\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc99d\uad8c\ubc95\uacfc \uc5f0\ubc29\uc608\uae08\ubcf4\ud5d8\ubc95\uc740 \uc774\ub7ec\ud55c \ubc1c\uc804\uacfc \ud568\uaed8 \uacc4\uc18d \uc9c4\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc6b4\uc601 \ubcf5\uc6d0\ub825\uacfc \ub370\uc774\ud130 \uc8fc\uad8c\uc758 \uc911\uc694\uc131\uc774 \ucee4\uc9c0\uba74\uc11c \uaddc\uc81c \ub2f9\uad6d\uc740 \uae08\uc735 \uc11c\ube44\uc2a4 \uc0b0\uc5c5\uc5d0 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\ub294 \ub300\ud615 \uae30\uc220 \uc81c\uacf5\uc5c5\uccb4\uc758 \uc2dc\uc2a4\ud15c\uc801 \uc911\uc694\uc131\uc744 \uc870\uc0ac\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. FSB\uc758 2025\ub144 \uc5c5\ubb34 \uacc4\ud68d\uc740 \ube45 \ud14c\ud06c\uc758 \uc2dc\uc2a4\ud15c \uc9d1\uc911 \ubb38\uc81c\ub97c \ub2e4\ub8e8\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uae08\ub9ac\uc640 \uae08\uc735 \uc2dc\uc7a5\uc740 \uc5ec\uc804\ud788 \uaddc\uc81c \uc6b0\uc120\uc21c\uc704\uc640 \uc0c1\ud638 \uc5f0\uad00\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uae30\uad00\uc740 \uc804\uccb4 \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \uace0\ub824 \uc0ac\ud56d\uc744 \ud1b5\ud569\ud558\ub294 InvestGlass\uc640 \uac19\uc740 \uc8fc\uad8c \ud50c\ub7ab\ud3fc\uc744 \ucc44\ud0dd\ud558\uc5ec \uc774\ub7ec\ud55c \uc9c4\ud654\ud558\ub294 \uc758\ubb34\ub97c \ubcf4\ub2e4 \ud6a8\uacfc\uc801\uc73c\ub85c \ucda9\uc871\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/ko\/%ea%b3%a0%ea%b0%9d-%eb%9d%bc%ec%9d%b4%ed%94%84%ec%82%ac%ec%9d%b4%ed%81%b4-%ea%b4%80%eb%a6%ac-%eb%b1%85%ed%82%b9-%ea%b6%81%ea%b7%b9%ec%9d%98-%ea%b0%80%ec%9d%b4%eb%93%9c\/\" target=\"_self\">\ud074\ub77c\uc774\uc5b8\ud2b8 \uc218\uba85 \uc8fc\uae30<\/a>. \uad6d\ub9bd\uc740\ud589\ubc95, \uc800\ucd95\ubc95, \uc5f0\ubc29\uc900\ube44\ubc95\uc740 \ud604\ub300 \uae30\uc220\uc774 \uc9c0\uc6d0\ud574\uc57c \ud558\ub294 \ud504\ub808\uc784\uc6cc\ud06c\ub97c \uc124\uc815\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uaddc\uc81c \ub300\uc0c1 \uae30\uc5c5\uc744 \uc704\ud55c \uc2e4\uc6a9\uc801\uc778 \ub2e8\uacc4<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ub370\uc774\ud130 \uc704\uce58, \uc544\uc6c3\uc18c\uc2f1 \uccb4\uc778 \ubc0f \uc8fc\uad8c\uc801 \ub300\uc548\uc774 \uc788\ub294\uc9c0 \uae30\uc220 \uc2a4\ud0dd\uc744 \uac10\uc0ac\ud558\uc138\uc694.<\/li>\n\n\n\n<li>\uc790\ubcf8 \ubc0f \ubcf4\uace0 \uc694\uac74\uc5d0 \ub300\ud55c \ubaa8\ub378 \ubc14\uc824 III \ucd5c\uc885\uc548 \ubc0f CRR3\uc758 \uc601\ud5a5<\/li>\n\n\n\n<li>KYC, \uc628\ubcf4\ub529 \ubc0f \uc6b4\uc601 \ubcf5\uc6d0\ub825 \uacc4\ud68d\uc744 \uc704\ud55c \uc18c\ubc84\ub9b0 CRM \uc194\ub8e8\uc158 \uc2dc\ubc94 \uc6b4\uc601<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\uc9c0\uae08 \uc8fc\uad8c \uae30\uc220 \uc778\ud504\ub77c\uc5d0 \ud22c\uc790\ud558\ub294 \uaddc\uc81c \ub300\uc0c1 \uae30\uc5c5\uc740 \ubbf8\ub798\uc758 \uaddc\uc81c \uac1c\ud601\uc744 \ud5e4\uccd0\ub098\uac08 \uc218 \uc788\ub294 \uc720\ub9ac\ud55c \uc704\uce58\uc5d0 \uc11c\uac8c \ub429\ub2c8\ub2e4. \uc9c0\uae08\uc774\uc57c\ub9d0\ub85c \uc2dc\uc2a4\ud15c\uc744 \uac80\ud1a0\ud558\uace0 \ub370\uc774\ud130 \uc8fc\uad8c\uc744 \ud3c9\uac00\ud558\uba70 \uc6cc\ud06c\ud50c\ub85c\uac00 \ud604\ud589 \uaddc\uc815\uacfc \uc0c8\ub85c\uc6b4 \uac10\ub3c5 \uae30\ub300\uce58\uc5d0 \ubd80\ud569\ud558\ub294\uc9c0 \ud655\uc778\ud574\uc57c \ud560 \ub54c\uc785\ub2c8\ub2e4. \uaddc\uc81c \ub2f9\uad6d, \uc5f0\ubc29 \uad00\ubcf4, \uc740\ud589\uc758 \uc0ac\uc804 \uc608\ubc29\uc801 \uaddc\uc815 \uc900\uc218 \ud504\ub85c\uadf8\ub7a8 \uc720\uc9c0 \uad8c\uc7a5 \ub4f1\uc740 \uc900\ube44\uc758 \uc911\uc694\uc131\uc744 \uc798 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.<\/p>","protected":false},"excerpt":{"rendered":"<p>Banking industry regulations exist for three fundamental reasons: safeguarding financial stability, protecting consumers from misconduct, and controlling systemic risks that could cascade through entire economies. The 2008 global financial crisis demonstrated what happens when capital buffers prove inadequate and risky leverage amplifies losses into a worldwide meltdown. More recently, the 2023 failures of Silicon Valley [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":36621,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[1403,968],"class_list":["post-49323","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-banking-industry-regulations","tag-compliance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Banking Industry Regulations: An Overview for Professionals<\/title>\n<meta name=\"description\" content=\"Explore key banking industry regulations designed to enhance financial stability and protect consumers from misconduct.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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