{"id":49635,"date":"2026-04-25T13:36:28","date_gmt":"2026-04-25T11:36:28","guid":{"rendered":"https:\/\/www.investglass.com\/?p=49635"},"modified":"2026-04-27T09:26:14","modified_gmt":"2026-04-27T07:26:14","slug":"%ec%9d%80%ed%96%89%ec%97%90-%eb%8c%80%ed%95%9c-kyc-%ec%9a%94%ea%b5%ac-%ec%82%ac%ed%95%ad","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/ko\/kyc-requirements-for-banks\/","title":{"rendered":"\uc740\ud589\uc740 \uc65c KYC\ub97c \uc694\uad6c\ud558\uba70 \uc5b4\ub5a4 \uc11c\ub958\uac00 \ud544\uc694\ud55c\uac00\uc694?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\uace0\uac1d\uc54c\uae30\uc81c\ub3c4(KYC)\ub294 \uc740\ud589\uc5d0\uac8c \uc120\ud0dd \uc0ac\ud56d\uc774 \uc544\ub2d9\ub2c8\ub2e4. \uc804 \uc138\uacc4\uc758 \uc790\uae08\uc138\ud0c1 \ubc29\uc9c0 \uaddc\uc815\uc5d0 \ud3ec\ud568\ub41c \ubc95\uc801 \uc694\uad6c \uc0ac\ud56d\uc774\uba70, \uc774\uc5d0 \ubbf8\ub2ec\ud558\ub294 \uae30\uad00\uc5d0 \uc218\uc2ed\uc5b5 \ub2ec\ub7ec\uc758 \ubc8c\uae08\uc744 \ubd80\uacfc\ud558\ub294 \uaddc\uc81c \ub2f9\uad6d\uc5d0 \uc758\ud574 \uc2dc\ud589\ub429\ub2c8\ub2e4. \uae08\uc735\ud589\ub3d9\ud0dc\uc2a4\ud06c\ud3ec\uc2a4(FATF) \uad8c\uace0\ubd80\ud130 \uc720\ub7fd\uc5f0\ud569\uc758 \uc790\uae08\uc138\ud0c1\ubc29\uc9c0 \uc9c0\uce68, \ubbf8\uad6d\uc758 \uc740\ud589\ube44\ubc00\ubc95\uc5d0 \uc774\ub974\uae30\uae4c\uc9c0 \uc740\ud589\uc740 \uace0\uac1d \uc2e0\uc6d0\uc744 \ud655\uc778\ud558\uace0, \uc704\ud5d8\uc744 \ud3c9\uac00\ud558\uba70, \uc804\uccb4 \uace0\uac1d \uad00\uacc4\ub97c \ubaa8\ub2c8\ud130\ub9c1\ud574\uc57c \ud569\ub2c8\ub2e4. <a 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>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774\ub7ec\ud55c \uc758\ubb34\ub97c \uc774\ud589\ud558\uae30 \uc704\ud574 \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \uc804\ubb38\uac00\ub4e4\uc740 \uc740\ud589\uc758 \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \uc804\ub7b5\uc744 \uac15\ud654\ud558\uae30 \uc704\ud574 \ubcc0\ud654\ud558\ub294 \uaddc\uc81c \uc5c5\ub370\uc774\ud2b8, \uc0c8\ub85c\uc6b4 \ubc94\uc8c4 \uc218\ubc95, \uae30\uc220\uc801 \uc704\ud611\uc5d0 \ub300\ud55c \ub354 \uae4a\uc740 \ud1b5\ucc30\ub825\uc744 \ud544\uc694\ub85c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774 \ubb38\uc11c\ub294 \uc740\ud589\uc758 KYC \uc694\uad6c \uc0ac\ud56d\uc5d0 \ub300\ud55c \uc2e4\uc6a9\uc801\uc778 \uac00\uc774\ub4dc\ub97c \uc81c\uacf5\ud558\uba70, \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \ud300\uc774 \uc774\ud574\ud574\uc57c \ud560 \ud575\uc2ec \uad6c\uc131 \uc694\uc18c, \uaddc\uc81c \uc608\uc0c1 \uc0ac\ud56d \ubc0f \uc6b4\uc601 \uace0\ub824 \uc0ac\ud56d\uc744 \ub2e4\ub8f9\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-quick-overview-of-kyc-requirements-for-banks\">\uc740\ud589\uc758 KYC \uc694\uad6c \uc0ac\ud56d \uac1c\uc694<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uace0\uac1d \uc54c\uae30(KYC) \uc758\ubb34\ub294 \uc7a0\uc7ac \uace0\uac1d\uc774 \uc740\ud589\uc5d0 \uc811\uadfc\ud558\ub294 \uc21c\uac04\ubd80\ud130 \uad00\uacc4\uac00 \uc885\ub8cc\ub420 \ub54c\uae4c\uc9c0 \uc801\uc6a9\ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc694\uad6c \uc0ac\ud56d\uc740 \uc790\uae08 \uc138\ud0c1, \ud14c\ub7ec \uc790\uae08 \uc870\ub2ec, \uc81c\uc7ac \ud68c\ud53c \ubc0f \uae08\uc735 \uc0ac\uae30\ub97c \ubc29\uc9c0\ud558\uae30 \uc704\ud574 \uc874\uc7ac\ud569\ub2c8\ub2e4. \uace0\uac1d \uc54c\uae30 \uaddc\uce59\uc740 \uc774\ub7ec\ud55c \ud575\uc2ec \uc758\ubb34\uc758 \uaddc\uc81c \uae30\ubc18\uc744 \ud615\uc131\ud558\uba70, \uc740\ud589\uc740 \uace0\uac1d \uc2e0\uc6d0\uc744 \ud655\uc778\ud558\uace0, \uae08\uc735 \ud65c\ub3d9\uc744 \uc774\ud574\ud558\uace0, \uc758\uc2ec\uc2a4\ub7ec\uc6b4 \uac70\ub798\ub97c \ubaa8\ub2c8\ud130\ub9c1\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud575\uc2ec \uc740\ud589 KYC \uc758\ubb34\ub294 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc2e0\uc6d0 \ud655\uc778 \ud504\ub85c\uadf8\ub7a8 (CIP) - \uc2e0\uc6d0 \uc11c\ub958 \uc218\uc9d1 \ubc0f \ud655\uc778<\/li>\n\n\n\n<li>\uace0\uac1d \uc2e4\uc0ac(CDD) - \uad00\uacc4 \ubaa9\uc801 \uc774\ud574 \ubc0f \uc704\ud5d8 \ud3c9\uac00<\/li>\n\n\n\n<li>\uc815\uce58\uc801 \uc601\ud5a5\ub825\uc774 \ud070 \uc778\ubb3c(PEP)\uacfc \uac19\uc740 \uace0\uc704\ud5d8 \uace0\uac1d\uc5d0 \ub300\ud55c \uac15\ud654\ub41c \uc2e4\uc0ac(EDD)<\/li>\n\n\n\n<li>\uac70\ub798\uc5d0 \ub300\ud55c \uc9c0\uc18d\uc801\uc778 \ubaa8\ub2c8\ud130\ub9c1 \ubc0f \uc8fc\uae30\uc801\uc778 \ud30c\uc77c \uac80\ud1a0<\/li>\n\n\n\n<li>\uad00\uacc4\uac00 \uc885\ub8cc\ub41c \ud6c4 \ucd5c\uc18c 5\ub144\uac04 \uae30\ub85d \ubcf4\uad00<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\uc911\uaddc\ubaa8 \ubc0f \ub300\uaddc\ubaa8 \uc740\ud589\uc740 \uaddc\uc81c \uac10\ub3c5 \uac15\ud654\uc640 \uace0\uac1d \uc218 \uc99d\uac00\uc5d0 \uc9c1\uba74\ud558\uba74\uc11c \uc218\ub3d9 KYC(\uace0\uac1d \ud655\uc778) \ud504\ub85c\uc138\uc2a4\ub9cc\uc73c\ub85c\ub294 \ub354 \uc774\uc0c1 \ucda9\ubd84\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc790\ub3d9\ud654\ub41c, <a 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> InvestGlass\uc640 \uac19\uc740 \uc194\ub8e8\uc158\uc740 \uc740\ud589\uc774 \ud074\ub77c\uc774\uc5b8\ud2b8 \ub370\uc774\ud130\uc5d0 \ub300\ud55c \uc644\uc804\ud55c \ud1b5\uc81c\uad8c\uc744 \uc720\ub7fd \ub610\ub294 \uc628\ud504\ub808\ubbf8\uc2a4 \uc778\ud504\ub77c \ub0b4\uc5d0\uc11c \uc720\uc9c0\ud558\uba74\uc11c KYC \uaddc\uc815 \uc900\uc218 \uc758\ubb34\ub97c \uc774\ud589\ud560 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud569\ub2c8\ub2e4. \uc774 \uae30\uc0ac\ub294 \ubbf8\uad6d \ub610\ub294 \uc911\uad6d \uae30\uc220 \ud50c\ub7ab\ud3fc\uc5d0 \ub300\ud55c \ub300\uc548\uc744 \ubaa8\uc0c9\ud558\ub294 \uc740\ud589\uc5d0 \ucd08\uc810\uc744 \ub9de\ucd98 \uc601\uad6d\uc2dd \uc601\uc5b4\ub85c \uc791\uc131\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-kyc-in-banking\">\uc740\ud589\uc5d0\uc11c KYC\ub780 \ubb34\uc5c7\uc778\uac00\uc694?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">KYC\ub294 \uc740\ud589\uc5d0\uc11c \uc2e4\uc0ac \uacfc\uc815\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4 <a 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> \uace0\uac1d \uc2e0\uc6d0\uc744 \ud655\uc778\ud558\uace0, \ube44\uc988\ub2c8\uc2a4 \uad00\uacc4\uc758 \ubaa9\uc801\uc744 \uc774\ud574\ud558\uba70, \uace0\uac1d \uc704\ud5d8 \ud504\ub85c\ud544\uc744 \ud3c9\uac00\ud558\ub294 \ub370 \uc0ac\uc6a9\ub429\ub2c8\ub2e4. KYC\ub294 \uc740\ud589\ubfd0\ub9cc \uc544\ub2c8\ub77c \ub2e4\ub978 \uae08\uc735 \uae30\uad00\uc5d0\uc11c\ub3c4 \uc790\uae08 \uc138\ud0c1 \ubc29\uc9c0 \ud504\ub808\uc784\uc6cc\ud06c\ub97c \uc900\uc218\ud558\uace0 \uc0ac\uae30 \ubc0f \uc790\uae08 \uc138\ud0c1\uacfc \uac19\uc740 \uae08\uc735 \ubc94\uc8c4\ub97c \ubc29\uc9c0\ud558\uae30 \uc704\ud574 \uc694\uad6c\ub418\ub294 \uc2e4\uc0ac \ud504\ub85c\uc138\uc2a4\uc785\ub2c8\ub2e4. \uc774\ub294 \ub3c5\ub9bd\uc801\uc778 \uc758\ubb34\ub77c\uae30\ubcf4\ub2e4\ub294 \uad11\ubc94\uc704\ud55c \uc790\uae08 \uc138\ud0c1 \ubc29\uc9c0 \ubc0f \ud14c\ub7ec \uc790\uae08 \uc870\ub2ec \ubc29\uc9c0 \ud504\ub808\uc784\uc6cc\ud06c\uc758 \ud575\uc2ec \uad6c\uc131 \uc694\uc18c\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc740\ud589\uc758 \uc77c\ubc18\uc801\uc778 KYC \uc694\uc18c\ub294 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a 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> \uc815\ubd80 \ubc1c\uae09 \uc11c\ub958\ub97c \uc0ac\uc6a9\ud558\uc5ec<\/li>\n\n\n\n<li>\uacf5\uacfc\uae08 \uba85\uc138\uc11c \ub610\ub294 \uc740\ud589 \uac70\ub798 \ub0b4\uc5ed\uc11c\ub97c \ud1b5\ud55c \uc8fc\uc18c \uc99d\uba85<\/li>\n\n\n\n<li>\uace0\uc561 \uacc4\uc88c\uc758 \uc790\uae08 \ucd9c\ucc98 \ubc0f \uc790\uc0b0 \ud655\uc778<\/li>\n\n\n\n<li>\ubc95\uc778 \uace0\uac1d\uc758 \uc2e4\uc18c\uc720\uc790 \uc2e0\uc6d0 \ud655\uc778<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\uacc4\uc88c \uac1c\uc124 \uc2dc KYC\uac00 \uc694\uad6c\ub418\uba70, \uc774\ub294 \uace0\uac1d \ud504\ub85c\ud544\uc758 \uc8fc\uc694 \ubcc0\uacbd \uc2dc\uc810\uc5d0 \ubc1c\ub3d9\ub418\uba70 \uc704\ud5d8 \ub4f1\uae09\uc5d0 \ub530\ub77c \uc8fc\uae30\uc801\uc73c\ub85c \uac31\uc2e0\ub429\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc601\uad6d \uc18c\ub9e4 \uace0\uac1d\uc774 \ub2f9\uc88c \uc608\uae08 \uacc4\uc88c\ub97c \uac1c\uc124\ud558\ub294 \uacbd\uc6b0, \uc2e0\uc6d0 \ud655\uc778\uc744 \uc704\ud574 \uc5ec\uad8c\uacfc \uc8fc\uc18c \ud655\uc778\uc744 \uc704\ud574 \ucd5c\uadfc \uacf5\uacfc\uae08 \uccad\uad6c\uc11c\ub97c \uc81c\ucd9c\ud558\uace0, \uc81c\uc7ac \uc2ec\uc0ac\ub97c \uac70\uccd0 \uace0\uc6a9 \uad00\ub828 \uae30\ubcf8 CDD(\uace0\uac1d \uc2e0\uc6d0 \ud655\uc778)\ub97c \uc644\ub8cc\ud55c \ud6c4 \ub2f9\uc77c \uacc4\uc88c\uac00 \ud65c\uc131\ud654\ub429\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<h2 class=\"wp-block-heading\" id=\"h-why-kyc-requirements-matter-for-banks\">KYC \uc694\uac74\uc774 \uc740\ud589\uc5d0 \uc911\uc694\ud55c \uc774\uc720<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">KYC(\uace0\uac1d \uc54c\uae30 \uc81c\ub3c4) \uc694\uac74\uc740 \uc790\uae08 \uc138\ud0c1, \ud14c\ub7ec \uc790\uae08 \uc870\ub2ec, \uc81c\uc7ac \ud68c\ud53c, \uc0ac\uae30 \ubc0f \uc2e0\uc6d0 \ub3c4\uc6a9\uc744 \ubc29\uc9c0\ud558\uae30 \uc704\ud574 \uc874\uc7ac\ud569\ub2c8\ub2e4. \uc720\uc5d4 \ub9c8\uc57d \ubc94\uc8c4 \uc0ac\ubb34\uc18c\ub294 \uc790\uae08 \uc138\ud0c1\uc774 \uc804 \uc138\uacc4 GDP\uc758 \uc5f0\uac04 2~5% \ub610\ub294 8\ucc9c\uc5b5 \ub2ec\ub7ec\uc5d0\uc11c 2\uc870 \ub2ec\ub7ec\uc5d0 \ub2ec\ud55c\ub2e4\uace0 \ucd94\uc815\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc8fc\uc694 \uaddc\uc81c \ub3d9\uc778\uc73c\ub85c\ub294 2020\ub144 12\uc6d4\ubd80\ud130 \uc2dc\ud589\ub41c EU\uc758 \uc81c6\ucc28 \uc790\uae08\uc138\ud0c1\ubc29\uc9c0 \uc9c0\uce68(6AMLD)\uc774 \uc788\uc73c\uba70, \uc774\ub294 \ub300\uc0c1 \ubc94\uc8c4\ub97c 22\uac1c \ubc94\uc8fc\ub85c \ud655\ub300\ud558\uace0 \ud615\uc0ac \ucc98\ubc8c\uc744 \uc870\ud654\uc2dc\ucf30\uc2b5\ub2c8\ub2e4. \ubbf8\uad6d\uc5d0\uc11c\ub294 \uc740\ud589 \ube44\ubc00\ubc95(Bank Secrecy Act)\uacfc USA PATRIOT Act\uac00 \uace0\uac1d \ud655\uc778 \ud504\ub85c\uadf8\ub7a8(Customer Identification Programmes)\uacfc \uc0c1\ud638 \uae08\uc735 \uac70\ub798 \uad00\uacc4\uc5d0 \ub300\ud55c \uac15\ud654\ub41c \uc870\uc0ac\ub97c \uc758\ubb34\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc57d\ud55c KYC\uc758 \uacb0\uacfc\ub294 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc218\ubc31\ub9cc \uc720\ub85c \ub610\ub294 \ub2ec\ub7ec\uc758 \ubc8c\uae08 (2024\ub144 \uc804 \uc138\uacc4 AML \ubc8c\uae08 \ucd1d\uc561 43\uc5b5 \ub2ec\ub7ec \ucd08\uacfc)<\/li>\n\n\n\n<li>\ub77c\uc774\uc120\uc2a4 \uc81c\ud55c \ubc0f \uc218\uc2ed\uc5b5 \ub2ec\ub7ec\uc5d0 \ub2ec\ud558\ub294 \uac1c\uc120 \ud504\ub85c\uadf8\ub7a8<\/li>\n\n\n\n<li>\ud3c9\ud310 \uc190\uc0c1\uc774 \uace0\uac1d \uc774\ud0c8\ub960\uc744 10%\uc5d0\uc11c 20%\uae4c\uc9c0 \uc99d\uac00\uc2dc\ud0b5\ub2c8\ub2e4<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ubc18\ub300\ub85c, \uac15\ub825\ud55c KYC\ub294 \ub354 \uae68\ub057\ud55c \uace0\uac1d \ub370\uc774\ud130, \ub354 \ube60\ub978 \uc628\ubcf4\ub529, \uac1c\uc120\ub41c \ub9ac\uc2a4\ud06c \uc810\uc218, \uadf8\ub9ac\uace0 \uc0ac\uae30 \uc190\uc2e4 \uac10\uc18c\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \ud6a8\uacfc\uc801\uc778 KYC \ubc0f AML \ud504\ub85c\uadf8\ub7a8\uc740 \uc0ac\uae30 \ubc29\uc9c0\uc5d0 \ud544\uc218\uc801\uc774\uba70, \uc740\ud589\uc774 \uc790\uae08 \uc138\ud0c1, \ud14c\ub7ec \uc790\uae08 \uc870\ub2ec, \uc2e0\uc6d0 \ub3c4\uc6a9\uacfc \uac19\uc740 \uae08\uc735 \ubc94\uc8c4\ub97c \ud0d0\uc9c0\ud558\uace0 \uc911\ub2e8\ud558\ub3c4\ub85d \ub3d5\uc2b5\ub2c8\ub2e4. InvestGlass\uc640 \uac19\uc740 \uc8fc\uad8c\uc801 \ub808\uadf8\ud14c\ud06c \ud50c\ub7ab\ud3fc\uc744 \uc0ac\uc6a9\ud558\ub294 \uc740\ud589\uc740 \uc720\ub7fd \uc778\ud504\ub77c \ub0b4\uc5d0\uc11c \ubbfc\uac10\ud55c \ub370\uc774\ud130\uc5d0 \ub300\ud55c \uc644\uc804\ud55c \ud1b5\uc81c\ub97c \uc720\uc9c0\ud558\uba74\uc11c KYC \uc758\ubb34\ub97c \ucda9\uc871\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-core-components-of-bank-kyc-programmes\">\uc740\ud589 KYC \ud504\ub85c\uadf8\ub7a8\uc758 \ud575\uc2ec \uad6c\uc131 \uc694\uc18c<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ud604\ub300\uc758 KYC \ud504\ub85c\uadf8\ub7a8\uc740 \uace0\uac1d \uc2dd\ubcc4 \ud504\ub85c\uadf8\ub7a8(CIP), \uace0\uac1d \uc2e4\uc0ac(CDD), \uc9c0\uc18d\uc801\uc778 \ubaa8\ub2c8\ud130\ub9c1\uc774\ub77c\ub294 \uc138 \uac00\uc9c0 \uae30\uc220\uc801 \uae30\ub465\uc5d0 \uae30\ubc18\ud569\ub2c8\ub2e4. \uc774\ub294 \uacbd\uc601\uc9c4\uc758 \uc2b9\uc778\uc744 \ubc1b\uc740 \ub0b4\ubd80 KYC \uc815\ucc45\uc73c\ub85c \uacf5\uc2dd\ud654\ub418\uc5b4\uc57c \ud558\uba70, \uc740\ud589\uc774 \uc6b4\uc601\ub418\ub294 \uac01 \uad00\ud560\uad8c\uc5d0 \ub9de\ucdb0\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc740\ud589\uc740 \ub9ac\uc2a4\ud06c \uae30\ubc18 \uc811\uadfc \ubc29\uc2dd\uc744 \ucc44\ud0dd\ud558\uc5ec \uc800\uc704\ud5d8 \uace0\uac1d\uc5d0\uac8c\ub294 \uac04\uc18c\ud654\ub41c \uc2e4\uc0ac(due diligence)\ub97c \uc801\uc6a9\ud558\uace0, \uc815\uce58\uc801 \uc601\ud5a5\ub825\uc774 \uc788\ub294 \uc778\ubb3c(politically exposed persons)\uc774\ub098 \ubcf5\uc7a1\ud55c \uae30\uc5c5 \uad6c\uc870\uc640 \uac19\uc740 \uace0\uc704\ud5d8 \ud504\ub85c\ud544\uc5d0\ub294 \uac15\ud654\ub41c \uc2e4\uc0ac(enhanced due diligence, EDD)\ub97c \uc801\uc6a9\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc811\uadfc \ubc29\uc2dd\uc758 \uc77c\ud658\uc73c\ub85c, \uc790\uae08 \uc138\ud0c1, \uc2e0\uc6d0 \ub3c4\uc6a9, \uae08\uc735 \uc0ac\uae30\uc640 \uac19\uc740 \uc7a0\uc7ac\uc801 \uc704\ud5d8 \uc694\uc18c\ub97c \uc2dd\ubcc4\ud558\uace0 \ud3c9\uac00\ud558\ub294 \uac83\uc774 \uaddc\uc815 \uc900\uc218\ub97c \ubcf4\uc7a5\ud558\uace0 \uc0ac\uae30 \ubc29\uc9c0 \uc870\uce58\ub97c \uac15\ud654\ud558\ub294 \ub370 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-customer-identification-programme-cip\">\uace0\uac1d \uc2dd\ubcc4 \ud504\ub85c\uadf8\ub7a8<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uace0\uac1d \uc2dd\ubcc4 \ud504\ub85c\uadf8\ub7a8(CIP)\uc740 \uad00\uacc4 \uc218\ub9bd \uc804\uc5d0 \ucd5c\uc18c\ud55c\uc758 \uace0\uac1d \uc815\ubcf4\ub97c \uc218\uc9d1\ud558\uace0 \ud655\uc778\ud558\ub294 \uc808\ucc28\uc785\ub2c8\ub2e4. \ud575\uc2ec \ub370\uc774\ud130 \ud3ec\uc778\ud2b8\ub294 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th colspan=\"1\" rowspan=\"1\"><p>\uac1c\uc778 \uace0\uac1d<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\uae30\uc5c5 \uace0\uac1d<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\uc804\uccb4 \ubc95\uc778 \uc774\ub984<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\ubc95\uc778 \ud615\ud0dc \ubc0f \uba85\uce6d<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\uc0dd\ub144\uc6d4\uc77c<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\ub4f1\ub85d \ubc88\ud638<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\uac70\uc8fc\uc9c0 \uc8fc\uc18c<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\ub4f1\uae30\uc18c<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\uc2e0\ubd84\uc99d \ubc88\ud638 (\uc5ec\uad8c, \uc8fc\ubbfc\ub4f1\ub85d\uc99d)<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\ub0a9\uc138\uc790 \uc2dd\ubcc4 \ubc88\ud638<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><\/td><td colspan=\"1\" rowspan=\"1\"><p>\uc2e4\uc9c8\uc801 \uc18c\uc720\uc790 (25% \uae30\uc900)<\/p><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\uac80\uc99d \uae30\ubc95\uc5d0\ub294 \uc2e0\ubd84\uc99d \uc2a4\uce94, \uc815\ubd80 \ub370\uc774\ud130\ubca0\uc774\uc2a4 \ub300\uc870, \uc140\uce74-\uc2e0\ubd84\uc99d \ube44\uad50\uc640 \uac19\uc740 \uc0dd\uccb4 \uc778\uc2dd \ud655\uc778 \ub4f1\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4. InvestGlass\uc640 \uac19\uc740 \ucd5c\uc2e0 CRM\uc740 \uc6f9 \uc591\uc2dd, \ubb38\uc11c \uc5c5\ub85c\ub4dc, OCR \ubc0f \uc2a4\uc704\uc2a4 \ub610\ub294 \uc628\ud504\ub808\ubbf8\uc2a4 \uc11c\ubc84\uc5d0\uc11c \ud638\uc2a4\ud305\ub418\ub294 \uc790\ub3d9 \ud655\uc778\uc744 \ud1b5\ud574 CIP\ub97c \ub514\uc9c0\ud138\ud654\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2021\/05\/Digital-Ob.003.jpeg\" alt=\"KYC \ud544\ub4dc \uc5f0\uacb0\" class=\"wp-image-29172\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2021\/05\/Digital-Ob.003.jpeg 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2021\/05\/Digital-Ob.003-300x225.jpeg 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2021\/05\/Digital-Ob.003-768x576.jpeg 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">KYC \ud544\ub4dc \uc5f0\uacb0<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-customer-due-diligence-cdd\">\uace0\uac1d \uc2e4\uc0ac(CDD)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uace0\uac1d \uc2e4\uc0ac(CDD)\ub294 \uad00\uacc4\uc758 \uc131\uaca9\uacfc \ubaa9\uc801\uc744 \uc774\ud574\ud558\uace0 \uace0\uac1d \uc704\ud5d8\uc744 \ud3c9\uac00\ud558\ub294 \uac83\uc744 \ud3ec\ud568\ud569\ub2c8\ub2e4. \ud575\uc2ec \ud65c\ub3d9\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc9c1\uc5c5 \ub610\ub294 \uc0ac\uc5c5 \ud65c\ub3d9\uc5d0 \ub300\ud55c \uc815\ubcf4 \uc218\uc9d1<\/li>\n\n\n\n<li>\uc608\uc0c1 \uacc4\uc815 \uc0ac\uc6a9\ub7c9 \ubc0f \uac70\ub798\ub7c9 \uae30\ub85d<\/li>\n\n\n\n<li>\uc8fc\uc694 \uac70\ub798 \uc0c1\ub300\ubc29 \ubc0f \uc6b4\uc601 \uad6d\uac00 \uc2dd\ubcc4<\/li>\n\n\n\n<li>\uc704\ud5d8 \ub4f1\uae09 \ud560\ub2f9 (\ub0ae\uc74c, \uc911\uac04, \ub192\uc74c)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\uc704\ud5d8 \uc694\uc778\uc5d0\ub294 \uc9c0\ub9ac\uc801 \uc704\uce58(FATF \ud68c\uc0c9 \ub610\ub294 \ube14\ub799\ub9ac\uc2a4\ud2b8 \ub4f1\uc7ac \uad00\ud560\uad8c), \uc0ac\uc6a9\ub41c \uc0c1\ud488(\uae30\ubcf8 \uc608\uae08 \ub300\ube44 \ud30c\uc0dd \uc0c1\ud488), \uace0\uac1d \uc720\ud615 \ubc0f \uc81c\uacf5 \ucc44\ub110\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4. PEPs, \uace0\uc704\ud5d8 \uc0b0\uc5c5 \ubc0f \ubcf5\uc7a1\ud55c \uc5ed\uc678 \uad6c\uc870\ub97c \ud3ec\ud568\ud55c \uace0\uc704\ud5d8 \uace0\uac1d\uc5d0 \ub300\ud574\uc11c\ub294 \uac15\ud654\ub41c \uc2e4\uc0ac\uac00 \ud544\uc694\ud558\uba70, \ud2b9\ud788 \uc704\ud5d8 \ud3c9\uac00 \ud504\ub85c\uc138\uc2a4\uc758 \uc77c\ubd80\ub85c \ud14c\ub7ec \uc790\uae08 \uc870\ub2ec \ub610\ub294 \uae30\ud0c0 \uae08\uc735 \ubc94\uc8c4\uc5d0 \uc5f0\ub8e8\ub420 \uac00\ub2a5\uc131\uc774 \uc788\ub294 \uace0\uac1d\uc744 \uc2dd\ubcc4\ud558\ub294 \ub370 \uc8fc\uc758\ub97c \uae30\uc6b8\uc5ec\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass \uc6cc\ud06c\ud50c\ub85c\uc6b0\ub294 CDD \uc124\ubb38\uc9c0, \ub9ac\uc2a4\ud06c \uc810\uc218 \uaddc\uce59 \ubc0f \uc2b9\uc778\uc744 \uc790\ub3d9\ud654\ud558\uc5ec \uc218\ub3d9 \uc624\ub958\ub97c \uc904\uc774\uace0 \uaddc\uc81c \uae30\uad00\uc744 \uc704\ud55c \uac10\uc0ac \ucd94\uc801\uc744 \ubcf4\uc7a5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-enhanced-due-diligence-edd\">\uac15\ud654\ub41c \uc2e4\uc0ac(EDD)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uac15\ud654\ub41c \uc2e4\uc0ac(EDD)\ub294 \uace0\uac1d \uc54c\uae30 \uc81c\ub3c4(KYC)\uc5d0\uc11c \ud544\uc218\uc801\uc778 \uc694\uc18c\uc774\uba70, \ud2b9\ud788 \uc704\ud5d8\ub3c4\uac00 \ub192\uc740 \uace0\uac1d\uc744 \uc0c1\ub300\ud560 \ub54c \ub354\uc6b1 \uadf8\ub807\uc2b5\ub2c8\ub2e4. \ub300\ubd80\ubd84\uc758 \uace0\uac1d\uc5d0\uac8c\ub294 \ud45c\uc900 \uc2e4\uc0ac\ub85c \ucda9\ubd84\ud560 \uc218 \uc788\uc9c0\ub9cc, \uae08\uc735\uae30\uad00\uc740 \uc790\uae08 \uc138\ud0c1, \ud14c\ub7ec \uc790\uae08 \uc870\ub2ec \ub610\ub294 \uae30\ud0c0 \uae08\uc735 \ubc94\uc8c4\uc758 \uc704\ud5d8\uc774 \ub354 \ud070 \uace0\uac1d\uc5d0\uac8c\ub294 \uac15\ud654\ub41c \uc2e4\uc0ac(EDD) \uc870\uce58\ub97c \uc801\uc6a9\ud574\uc57c \ud569\ub2c8\ub2e4. EDD\ub294 \uae30\ubcf8\uc801\uc778 \uc2e0\uc6d0 \ud655\uc778\uc744 \ub118\uc5b4\uc11c \uace0\uac1d\uc758 \ubc30\uacbd, \uc0ac\uc5c5 \ud65c\ub3d9 \ubc0f \uad00\uacc4\uc5d0 \ub300\ud55c \ud3ec\uad04\uc801\uc778 \uac80\ud1a0\ub97c \ud3ec\ud568\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc815\uce58\uc801\uc73c\ub85c \uc911\uc694\ud55c \uc778\ubb3c, \uace0\uc704\ud5d8 \uad6d\uac00\uc758 \uace0\uac1d, \ubcf5\uc7a1\ud55c \uc18c\uc720 \uad6c\uc870\ub97c \uac00\uc9c4 \uace0\uac1d\uacfc \uac19\uc740 \uace0\uc704\ud5d8 \uace0\uac1d\uc758 \uacbd\uc6b0, \uac15\ud654\ub41c \uace0\uac1d \ud655\uc778 \uc808\ucc28(EDD)\uc5d0\ub294 \ud604\uc7a5 \ubc29\ubb38, \uc2ec\uce35 \uba74\ub2f4, \uace0\uae09 \uc870\uc0ac \ub3c4\uad6c \uc0ac\uc6a9\uc774 \ud3ec\ud568\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uae08\uc735 \uae30\uad00\uc740 \uc885\uc885 \uad6d\uc81c \uae30\uc5c5 \ub4f1\ub85d \uc815\ubcf4, \ubc95\uc6d0 \uae30\ub85d, \uc81c\uc7ac \ubaa9\ub85d\uc744 \ucc38\uc870\ud558\uba70, \uc2e0\uc6d0 \uc11c\ub958 \ubc0f \uc99d\ube59 \uc11c\ub958\uc758 \uc9c4\uc704\ub97c \ud655\uc778\ud558\uae30 \uc704\ud574 \ubc95\uc758\ud559 \ubb38\uc11c \ubd84\uc11d\uc744 \uc0ac\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub2e8\uacc4\ub294 \uc790\uae08 \uc138\ud0c1 \ub610\ub294 \ud14c\ub7ec \uc790\uae08 \uc870\ub2ec\uc5d0 \uc7a0\uc7ac\uc801\uc73c\ub85c \uc5f0\ub8e8\ub420 \uc218 \uc788\ub294 \uc228\uaca8\uc9c4 \uc704\ud5d8 \uc694\uc18c \ubc0f \uc758\uc2ec\uc2a4\ub7ec\uc6b4 \uc5f0\uad00\uc131\uc744 \ubc1c\uacac\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uac15\ub825\ud55c \uac15\ud654 \uc2e4\uc0ac \uc808\ucc28\ub97c \uad6c\ud604\ud568\uc73c\ub85c\uc368 \uae08\uc735 \uae30\uad00\uc740 \uc790\uae08\uc138\ud0c1\ubc29\uc9c0(AML) \uaddc\uc815 \uc900\uc218\uc640 \uae30\ud0c0 \uae08\uc735 \ubc94\uc8c4 \uc608\ubc29\uc5d0 \ub300\ud55c \uc758\uc9c0\ub97c \ubcf4\uc5ec\uc90d\ub2c8\ub2e4. EDD\ub294 KYC \ud504\ub85c\uc138\uc2a4 \ub0b4\uc758 \uc911\uc694\ud55c \uc548\uc804 \uc7a5\uce58\ub85c\uc11c, \uace0\uc704\ud5d8 \uace0\uac1d\uc5d0 \ub300\ud55c \ucca0\uc800\ud55c \ud3c9\uac00 \ubc0f \ubaa8\ub2c8\ud130\ub9c1\uc744 \ubcf4\uc7a5\ud558\uace0, \ubd88\ubc95 \ud65c\ub3d9\uc5d0 \ub300\ud55c \uae30\uad00\uc758 \ub178\ucd9c\uc744 \ucd5c\uc18c\ud654\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-beneficial-owner-identification\">\uc2e4\uc18c\uc720\uc790 \ud655\uc778<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uc2e4\uc9c8 \uc18c\uc720\uc790 \ud655\uc778\uc740 \uae08\uc735 \uae30\uad00\uc758 \uace0\uac1d \uc2dd\ubcc4 \ud504\ub85c\uadf8\ub7a8(CIP), \ud2b9\ud788 \ubc95\uc778 \uace0\uac1d \ub4f1\ub85d \uc2dc \uae30\ubcf8\uc801\uc778 \uc694\uad6c \uc0ac\ud56d\uc785\ub2c8\ub2e4. \uc2e4\uc9c8 \uc18c\uc720\uc790\ub780 \uacf5\uc2dd \uc11c\ub958\uc5d0 \uc774\ub984\uc774 \uba85\uc2dc\ub418\uc5b4 \uc788\uc9c0 \uc54a\ub354\ub77c\ub3c4 \uad81\uadf9\uc801\uc73c\ub85c \ud68c\uc0ac\ub97c \uc18c\uc720\ud558\uac70\ub098 \ud1b5\uc81c\ud558\ub294 \uac1c\uc778\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uac1c\uc778\uc744 \uc2dd\ubcc4\ud558\uace0 \uac80\uc99d\ud558\ub294 \uac83\uc740 \ubc94\uc8c4\uc790\ub4e4\uc774 \uc790\uae08 \uc138\ud0c1 \ubc0f \ud14c\ub7ec \uc790\uae08 \uc870\ub2ec\uc744 \uc740\ud3d0\ud558\uae30 \uc704\ud574 \ubcf5\uc7a1\ud55c \uad6c\uc870\ub97c \uc774\uc6a9\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc73c\ubbc0\ub85c \uc774\ub97c \ubc29\uc9c0\ud558\ub294 \ub370 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uace0\uac1d\ud655\uc778(KYC) \uc808\ucc28\uc758 \uc77c\ud658\uc73c\ub85c \uae08\uc735 \uae30\uad00\uc740 \uc2e4\uc18c\uc720\uc8fc\uc758 \uc804\uccb4 \uc774\ub984, \uc8fc\uc18c, \uc2e0\ubd84\uc99d \ubc88\ud638 \ub4f1 \uc0c1\uc138 \uc815\ubcf4\ub97c \uc218\uc9d1\ud574\uc57c \ud569\ub2c8\ub2e4. \uadf8\ub7f0 \ub2e4\uc74c \uc774 \uc815\ubcf4\ub294 \uc815\ud655\uc131\uc744 \ubcf4\uc7a5\ud558\uae30 \uc704\ud574 \uc2e0\ub8b0\ud560 \uc218 \uc788\uace0 \ub3c5\ub9bd\uc801\uc778 \ucd9c\ucc98\ub97c \uc0ac\uc6a9\ud558\uc5ec \uac80\uc99d\ub429\ub2c8\ub2e4. \uc2e4\uc18c\uc720\uc8fc\ub97c \uc2dd\ubcc4\ud558\uba74 \uc740\ud589\uc740 \uace0\uac1d\uc758 \uc2e4\uc81c \uc704\ud5d8 \ud504\ub85c\ud544\uc744 \ud3c9\uac00\ud558\uace0, \uc758\uc2ec\uc2a4\ub7ec\uc6b4 \ud65c\ub3d9\uc744 \ud0d0\uc9c0\ud558\uba70, \uc790\uae08\uc138\ud0c1\ubc29\uc9c0(AML) \uaddc\uc815\uc744 \uc900\uc218\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc218\uc775\uc801 \uc18c\uc720\uc790 \uc2dd\ubcc4\uc740 \uaddc\uc81c \uc694\uac74\uc77c \ubfd0\ub9cc \uc544\ub2c8\ub77c \uc790\uae08 \uc138\ud0c1 \ubc0f \ud14c\ub7ec \uc790\uae08 \uc870\ub2ec\uc744 \ubc29\uc9c0\ud558\uae30 \uc704\ud55c \uc2e4\uc9c8\uc801\uc778 \ub3c4\uad6c\uc774\uae30\ub3c4 \ud569\ub2c8\ub2e4. \ubc95\uc778 \ub4a4\uc5d0 \ub204\uac00 \uc788\ub294\uc9c0 \uc774\ud574\ud568\uc73c\ub85c\uc368 \uae08\uc735 \uae30\uad00\uc740 \uc7a0\uc7ac\uc801\uc778 \uc704\ud5d8 \uc2e0\ud638\ub97c \ub354 \uc798 \uc2dd\ubcc4\ud558\uace0 \uace0\uac1d \uc2dd\ubcc4 \ud504\ub85c\uadf8\ub7a8(CIP) \ubc0f \ub354 \ub113\uc740 \uc790\uae08 \uc138\ud0c1 \ubc29\uc9c0 \ud504\ub808\uc784\uc6cc\ud06c \ud558\uc5d0\uc11c\uc758 \uc758\ubb34\ub97c \uc774\ud589\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-ongoing-monitoring-and-recordkeeping\">\uc9c0\uc18d\uc801\uc778 \ubaa8\ub2c8\ud130\ub9c1 \ubc0f \uae30\ub85d \uad00\ub9ac<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">KYC \uc758\ubb34\ub294 \uc628\ubcf4\ub529\uc5d0\uc11c \ub05d\ub098\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc740\ud589\uc740 \uc2dc\uac04\uc774 \uc9c0\ub0a8\uc5d0 \ub530\ub77c \uc758\uc2ec\uc2a4\ub7ec\uc6b4 \ud65c\ub3d9\uc744 \ud0d0\uc9c0\ud558\uae30 \uc704\ud574 \uc9c0\uc18d\uc801\uc778 \ubaa8\ub2c8\ud130\ub9c1\uc744 \uc218\ud589\ud574\uc57c \ud569\ub2c8\ub2e4. \uc77c\ubc18\uc801\uc778 \ud65c\ub3d9\uc5d0\ub294 \ub2e4\uc74c\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ube44\uc815\uc0c1 \ud589\uc704 \ubc0f \uae08\uc735 \ubc94\uc8c4\ub97c \ub098\ud0c0\ub0bc \uc218 \uc788\ub294 \uc758\uc2ec\uc2a4\ub7ec\uc6b4 \uac70\ub798 \ub610\ub294 \ubd88\uaddc\uce59\ud55c \uac70\ub798\ub97c \uac10\uc9c0\ud558\uae30 \uc704\ud55c \uac70\ub798 \ud328\ud134 \ubd84\uc11d<\/li>\n\n\n\n<li>\uc81c\uc7ac \ubc0f \uace0\uc704\ud5d8\uc778\ubb3c \ubaa9\ub85d \uc7ac\uc2ec\uc0ac<\/li>\n\n\n\n<li>\ubd80\uc815\uc801 \uc5b8\ub860 \ubcf4\ub3c4 \uc810\uac80<\/li>\n\n\n\n<li>\uc8fc\uae30\uc801\uc778 KYC \ud30c\uc77c \uac31\uc2e0 (\uace0\uac1d \uc704\ud5d8\ub3c4 \uae30\ubc18)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\uc8fc\uc694 \uac80\ud1a0 \uc0ac\uc720\uc5d0\ub294 \uc77c\ubc18\uc801\uc778 \ud328\ud134\uc5d0\uc11c \ubc97\uc5b4\ub09c \ub300\uaddc\ubaa8 \uad6d\uc81c \uc1a1\uae08, \uc2e4\uc81c \uc18c\uc720\uad8c \ubcc0\uacbd, \uace0\uc704\ud5d8 \uad6d\uac00\uc758 \uc2e0\uaddc \uc8fc\uc18c \ub610\ub294 \ubc95 \uc9d1\ud589 \uae30\uad00 \ubb38\uc758\uac00 \ud3ec\ud568\ub429\ub2c8\ub2e4. \uace0\uac1d \uae30\ub85d\uc740 \uad00\uacc4 \uc885\ub8cc \ud6c4 \ucd5c\uc18c 5\ub144 \ub3d9\uc548 \ubcf4\uad00\ud574\uc57c \ud558\uba70, \uc815\ud655\ud55c \uae30\uac04\uc740 \uad00\ud560\uad8c\uc5d0 \ub530\ub77c \ub2e4\ub985\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass\uc640 \uac19\uc740 \uc790\ub3d9\ud654\ub41c \ud50c\ub7ab\ud3fc\uc740 \ubb38\uc11c, \ub85c\uadf8 \ubc0f \uc0c1\ud638 \uc791\uc6a9 \uae30\ub85d\uc744 \uc911\uc559 \uc9d1\uc911\ud654\ud558\uc5ec \uc740\ud589\uc774 \uac80\uc0ac \uc911\uc5d0 \uaddc\uc815 \uc900\uc218\ub97c \uc2e0\uc18d\ud558\uac8c \uc785\uc99d\ud560 \uc218 \uc788\ub3c4\ub85d \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-breaking-down-the-kyc-process-in-banks\">\uc740\ud589\uc5d0\uc11c\uc758 KYC \uc808\ucc28 \ubd84\uc11d<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">KYC \ud504\ub85c\uc138\uc2a4\ub294 \uc0ac\uc804 \uc628\ubcf4\ub529 \uc704\ud5d8 \ud544\ud130\ub9c1, \ucd08\uae30 \uc2e0\uc6d0 \ud655\uc778 \ubc0f \uac80\uc99d, \uc9c0\uc18d\uc801\uc778 \ub77c\uc774\ud504\uc0ac\uc774\ud074 \ubaa8\ub2c8\ud130\ub9c1\uc758 \uc138 \ub2e8\uacc4\ub85c \ub098\ub20c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub9ce\uc740 \uc740\ud589\ub4e4\uc774 \uc774\ub7ec\ud55c \uacfc\uc815\uc744 \ub514\uc9c0\ud138 \uc5ec\uc815\uc73c\ub85c \uc124\uacc4\ud569\ub2c8\ub2e4. <a href=\"https:\/\/www.investglass.com\/ko\/crm%ec%9d%84-%ec%84%b1%ea%b3%b5%ec%a0%81%ec%9c%bc%eb%a1%9c-%ea%b5%ac%ed%98%84%ed%95%98%eb%8a%94-%eb%b0%a9%eb%b2%95\/\" target=\"_self\">CRM\uc5d0 \uad6c\ud604\ub428<\/a> \ub610\ub294 \uace0\uac1d \ub77c\uc774\ud504\uc0ac\uc774\ud074 \uad00\ub9ac \ub3c4\uad6c.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-setting-kyc-prerequisites-and-risk-appetite\">KYC \ud544\uc218 \uc694\uac74 \ubc0f \uc704\ud5d8 \uac10\uc218 \uc218\uc900 \uc124\uc815<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uc628\ubcf4\ub529 \uc804\uc5d0 \uc740\ud589\uc740 \ubb38\uc11c\ud654\ub41c KYC \ubc0f AML \uc815\ucc45\uc5d0\uc11c \uc704\ud5d8 \uc120\ud638\ub3c4\uc640 \uc218\uc6a9 \uae30\uc900\uc744 \uc815\uc758\ud574\uc57c \ud569\ub2c8\ub2e4. \uc77c\ubc18\uc801\uc778 \uc81c\uc678 \uae30\uc900\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc81c\uc7ac \ub300\uc0c1 \uac1c\uc778 \ub610\ub294 \ub2e8\uccb4<\/li>\n\n\n\n<li>\uc775\uba85\uc8fc \ub610\ub294 \uc18c\uc9c0\uc778 \uc8fc\uc8fc \uad6c\uc870<\/li>\n\n\n\n<li>\ubb34\uba74\ud5c8 \ud658\uc804\uc5c5<\/li>\n\n\n\n<li>FATF \ube14\ub799\ub9ac\uc2a4\ud2b8 \uad6d\uac00\uc758 \uace0\uac1d<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ub514\uc9c0\ud138 \uc0ac\uc804 \uc2ec\uc0ac \uc591\uc2dd\uc744 \ud1b5\ud574 \uad6d\uac00, \uc9c1\uc5c5, \uc0ac\uc5c5 \uc720\ud615\ubcc4\ub85c \uc9c0\uc6d0\uc790\ub97c \ud544\ud130\ub9c1\ud558\uc5ec \uba85\ubc31\ud788 \ubd80\uc801\uaca9\ud55c \uace0\uac1d\uc744 \uc870\uae30\uc5d0 \uae30\uac01\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. InvestGlass\ub97c \uc0ac\uc6a9\ud558\uba74 \uc740\ud589\uc774 \ubbf8\uad6d \ub610\ub294 \uc911\uad6d \uc778\ud504\ub77c\uc5d0 \uc758\uc874\ud558\uc9c0 \uc54a\uace0 \uc628\ubcf4\ub529 \ubaa8\ub4c8 \ub0b4\uc5d0\uc11c \uc774\ub7ec\ud55c \uaddc\uce59\uc744 \uad6c\uc131\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uba85\ud655\ud55c \uc0ac\uc804 \uc694\uad6c \uc0ac\ud56d\uc740 \ud6a8\uc728\uc131\uc744 \uac1c\uc120\ud558\uace0 KYC \ubd84\uc11d\uac00\uc758 \ubd80\ub2f4\uc744 \uc904\uc5ec\uc90d\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-kyc-identification-and-verification-at-onboarding\">\uc628\ubcf4\ub529 \uc2dc KYC \uc2e0\uc6d0 \ud655\uc778 \ubc0f \uac80\uc99d<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uac1c\uc778 \uace0\uac1d\uc758 \uacbd\uc6b0, \uc2e4\uc9c8\uc801\uc778 \uc870\uce58\ub294 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>KYC \uc11c\ub958 \uc218\uc9d1 (\uc2e0\ubd84\uc99d, \uc8fc\uc18c \uc99d\uba85)<\/li>\n\n\n\n<li>\uc2e4\ud589 \uc911 <a href=\"https:\/\/www.investglass.com\/ko\/2025%eb%85%84-%ea%b8%88%ec%9c%b5-%ea%b8%b0%ea%b4%80%ec%9d%84-%ec%9c%84%ed%95%9c-%ec%99%84%ec%a0%84%ed%95%9c-%ea%b7%9c%ec%a0%95-%ec%a4%80%ec%88%98-%ea%b0%80%ec%9d%b4%eb%93%9c-pep-%ec%a0%9c%ec%9e%ac\/\" target=\"_self\">\uc81c\uc7ac \ubc0f PEP \uc2ec\uc0ac<\/a><\/li>\n\n\n\n<li>\ud544\uc694\ud55c \uacbd\uc6b0 \uc790\uae08 \ucd9c\ucc98 \ud655\uc778<\/li>\n\n\n\n<li>\uc704\ud5d8 \ud3c9\uac00 \uc124\ubb38\uc9c0 \uc791\uc131<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">\uae30\uc5c5 \uace0\uac1d\uc740 \uacf5\uc2dd \ub4f1\ub85d\ubd80\uc5d0\uc11c \ud68c\uc0ac\ub97c \ud655\uc778\ud558\uace0, \uc18c\uc720 \uad6c\uc870\ub97c \ud30c\uc545\ud558\uace0, \uc2e4\uc81c \uc18c\uc720\uc790\ub97c \uc2dd\ubcc4\ud558\uace0, \uc774\uc0ac\ud68c \uacb0\uc758\ub97c \uc218\uc9d1\ud558\ub294 \ub4f1\uc758 \ucd94\uac00\uc801\uc778 \ud655\uc778\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uace0\uc704\ud5d8 \uacc4\uc815\uc758 \uacbd\uc6b0 \ub354 \ub9ce\uc740 \uc11c\ub958, \uacbd\uc601\uc9c4\uc758 \uc2b9\uc778, \uadf8\ub9ac\uace0 \uc678\ubd80 \uc815\ubcf4\uac00 \ud544\uc694\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc740\ud589\uc740 \ub354 \ube60\ub978 \uac10\uc0ac\ub97c \uc704\ud574 InvestGlass\uc640 \uac19\uc740 \ud1b5\ud569 \ud50c\ub7ab\ud3fc\uc5d0\uc11c \uc720\uc9c0 \uad00\ub9ac\ub418\ub294 \uad6c\uc870\ud654\ub41c KYC \ud30c\uc77c\uc5d0 \ubaa8\ub4e0 \uc218\ud45c\ub97c \ubb38\uc11c\ud654\ud574\uc57c \ud569\ub2c8\ub2e4. \ud2b9\ud788 \ub514\uc9c0\ud138 \ucc44\ub110\uc5d0\uc11c \uc704\ud5d8 \ud1b5\uc81c\uc640 \uc6d0\ud65c\ud55c \uace0\uac1d \uacbd\ud5d8\uc758 \uade0\ud615\uc744 \ub9de\ucd94\ub294 \uac83\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-perpetual-kyc-and-lifecycle-monitoring\">\ud56d\uad6c\uc801 KYC \ubc0f \uc0dd\uc560\uc8fc\uae30 \ubaa8\ub2c8\ud130\ub9c1<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Perpetual KYC\ub294 \uace0\uc815\ub41c \uac04\uaca9\ubfd0\ub9cc \uc544\ub2c8\ub77c \uace0\uac1d \ub370\uc774\ud130\uc640 \uc704\ud5d8 \ub4f1\uae09\uc744 \uc9c0\uc18d\uc801\uc73c\ub85c \uc5c5\ub370\uc774\ud2b8\ud558\ub294 \uac83\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4. \uc77c\ubc18\uc801\uc778 \uac80\ud1a0 \ube48\ub3c4:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th colspan=\"1\" rowspan=\"1\"><p>\uc704\ud5d8 \ub4f1\uae09<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\uac80\ud1a0 \ube48\ub3c4<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\uace0\uc704\ud5d8<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\ub9e4\ub144<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\uc911\uac04 \uc704\ud5d8<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>3\ub144\ub9c8\ub2e4<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\uc800\uc704\ud5d8<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>5\ub144\ub9c8\ub2e4<\/p><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\uac70\ub798 \ubaa8\ub2c8\ud130\ub9c1 \uc2dc\uc2a4\ud15c\uc740 \ube44\uc815\uc0c1\uc801\uc778 \ud604\uae08 \uc608\uae08, \uad6d\uacbd \uac04 \uc790\uae08 \ud750\ub984 \ub610\ub294 \uc81c\uc7ac \ub300\uc0c1 \uad6d\uac00\uc640\uc758 \uac70\ub798\uc640 \uac19\uc740 \uac80\ud1a0\ub97c \uc720\ubc1c\ud558\ub294 \uc54c\ub9bc\uc744 \uc0dd\uc131\ud569\ub2c8\ub2e4. \ube44\uc815\uc0c1\uc801\uc774\uac70\ub098 \ubd88\ubc95\uc801\uc778 \uac70\ub798\uac00 \ud655\uc778\ub418\uba74 \uc740\ud589\uc740 \uaddc\uc81c \uc758\ubb34\uc758 \uc77c\ubd80\ub85c \uc758\uc2ec \uac70\ub798 \ubcf4\uace0\uc11c\ub97c \uc81c\ucd9c\ud574\uc57c \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud1b5\ud569\ub41c <a href=\"https:\/\/www.investglass.com\/ru\/how-crm-helps-with-regulatory-compliance\/\" target=\"_self\">CRM \ubc0f \uaddc\uc815 \uc900\uc218<\/a> InvestGlass\uc640 \uac19\uc740 \ud234\uc740 \uc54c\ub9bc, \uc870\uc0ac, \uc5c5\ub370\uc774\ud2b8\ub41c \ubb38\uc11c \ubc0f \uc2b9\uc778\uc744 \ud55c \uacf3\uc5d0 \uc5f0\uacb0\ud569\ub2c8\ub2e4. \uaddc\uc81c \ub2f9\uad6d\uc740 \uace0\uac1d \ud655\uc778(KYC)\uc758 \uc9c0\uc18d\uc801\uc778 \uc99d\uac70\ub97c \uad00\uacc4 \uc804\uccb4\uc5d0 \uac78\uccd0 \uae30\ub300\ud558\ubbc0\ub85c \uc758\uc0ac \uacb0\uc815 \ubc0f \uadfc\uac70\ub97c \ubb38\uc11c\ud654\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-regulatory-landscape-for-bank-kyc-requirements\">\uc740\ud589 KYC \uc694\uad6c\uc0ac\ud56d\uc5d0 \ub300\ud55c \uaddc\uc81c \ud658\uacbd<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">KYC \uc694\uac74\uc740 FATF\uc758 \uad6d\uc81c \uae30\uc900\uc5d0 \uc758\ud574 \ud615\uc131\ub418\uba70, \uc9c0\uc5ed \ubc0f \uad6d\uac00 \ubc95\ub960\uc744 \ud1b5\ud574 \uad6c\ud604\ub429\ub2c8\ub2e4. \uad6d\uacbd\uc744 \ub118\uc5b4 \uc0ac\uc5c5\uc744 \uc601\uc704\ud558\ub294 \uc740\ud589\uc740 \uc5ec\ub7ec \ud504\ub808\uc784\uc6cc\ud06c\ub97c \ub3d9\uc2dc\uc5d0 \uc900\uc218\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-eu-and-uk-kyc-regulations\">EU \ubc0f \uc601\uad6d KYC \uaddc\uc815<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">EU \uc740\ud589\uc740 \uc790\uae08 \uc138\ud0c1 \ubc29\uc9c0 \uc9c0\uce68\uc744 \uc900\uc218\ud558\uba70, 2020\ub144 12\uc6d4\ubd80\ud130 6AMLD\ub294 \ud615\uc0ac \ucc45\uc784\uc744 \uac15\ud654\ud558\uace0 \uad00\ub828 \ubc94\uc8c4\ub97c \ud655\ub300\ud588\uc2b5\ub2c8\ub2e4. \ud575\uc2ec \uae30\ub300 \uc0ac\ud56d\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ubaa8\ub4e0 \uace0\uac1d\uc5d0 \ub300\ud55c \uc704\ud5d8 \uae30\ubc18 \uace0\uac1d \uc2e4\uc0ac<\/li>\n\n\n\n<li>\uc2e4\uc18c\uc720\uc790 \uc2dd\ubcc4 \ubc0f \uac80\uc99d<\/li>\n\n\n\n<li>\uc9c0\uc18d\uc801\uc778 \ubaa8\ub2c8\ud130\ub9c1 \ubc0f \uae08\uc735\uc815\ubcf4\ubd84\uc11d\uc6d0\uc5d0 \ub300\ud55c \uc758\uc2ec\uac70\ub798\ubcf4\uace0<\/li>\n\n\n\n<li>5\ub144 \uc774\uc0c1 \uae30\ub85d \ubcf4\uad00<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ube0c\ub809\uc2dc\ud2b8 \uc774\ud6c4 \uc601\uad6d\uc740 EU \uc6d0\uce59\uc5d0 \ud06c\uac8c \ubd80\ud569\ud558\ub294 \uc790\uccb4 \uc790\uae08\uc138\ud0c1, \ud14c\ub7ec\uc790\uae08\uc870\ub2ec \ubc0f \uc790\uae08 \uc774\uc804 \uaddc\uc815\uc744 \uc2dc\ud589\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uae08\uc735\uac10\ub3c5\uccad(FCA)\uacfc \uac74\uc804\uc131\uac10\ub3c5\uccad(PRA)\uc740 \uc740\ud589\uc758 KYC \ubc0f AML \uc900\uc218\ub97c \uac10\ub3c5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass\ub294 EU \ubc0f \uc601\uad6d \uc2dc\uc7a5\uacfc \uac00\uae4c\uc6b4 \uc2a4\uc704\uc2a4 \ud50c\ub7ab\ud3fc\uc73c\ub85c\uc11c, \ubbf8\uad6d \ub610\ub294 \uc911\uad6d \uc678 \uacf5\uae09\uc5c5\uccb4\ub97c \uc6d0\ud558\ub294 \uc720\ub7fd \uc740\ud589\uc744 \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"701\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a-1-1024x701.png\" alt=\"\ud6a8\uacfc\uc801\uc778 \ud504\ub77c\uc774\ube57 \ubc45\ud0b9 CRM \uc2dc\uc2a4\ud15c InvestGlass\" class=\"wp-image-47024\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a-1-1024x701.png 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a-1-300x205.png 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a-1-768x526.png 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a-1-1536x1052.png 1536w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/04\/InvestGlass-main-CRM-2024-c2cb8f3a-1.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">\ud6a8\uacfc\uc801\uc778 \ud504\ub77c\uc774\ube57 \ubc45\ud0b9 CRM \uc2dc\uc2a4\ud15c InvestGlass<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-us-kyc-regulations-for-banks\">\ubbf8\uad6d \uc740\ud589\uc758 KYC \uaddc\uc815<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">1970\ub144 \uc740\ud589 \ube44\ubc00\ubc95\uc740 \uae08\uc735\ubc94\uc8c4\ub2e8\uc18d\ub124\ud2b8\uc6cc\ud06c(FinCEN)\uac00 \uad00\ub9ac\ud558\ub294 \ubbf8\uad6d \uc790\uae08\uc138\ud0c1\ubc29\uc9c0 \uc758\ubb34\uc758 \uadfc\uac04\uc744 \ud615\uc131\ud569\ub2c8\ub2e4. 2001\ub144 \uc560\uad6d\ubc95\uc740 \uba85\uc2dc\uc801\uc778 \uace0\uac1d\uc2e0\uc6d0\ud655\uc778(CIP) \uc694\uac74\uc744 \ub3c4\uc785\ud558\uace0 \uc0c1\ud638\uc740\ud589 \ubc0f \ud504\ub77c\uc774\ube57 \ubc45\ud0b9\uc5d0 \ub300\ud55c \uace0\uac1d \uc2e4\uc0ac(CDD) \uae30\ub300\uce58\ub97c \uac15\ud654\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ubbf8\uad6d \uc740\ud589\uc740 \ub2e4\uc74c\uacfc \uac19\uc544\uc57c \ud569\ub2c8\ub2e4:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>CIP \uc808\ucc28\ub97c \uc11c\uba74\uc73c\ub85c \uad6c\ud604<\/li>\n\n\n\n<li>\uc2e0\uc6d0 \ud655\uc778 \uae30\ub85d \uc720\uc9c0<\/li>\n\n\n\n<li>OFAC \uc81c\uc7ac \ubaa9\ub85d\uc5d0 \ub300\ud55c \uace0\uac1d \uc2a4\ud06c\ub9ac\ub2dd<\/li>\n\n\n\n<li>\uc758\uc2ec\uc2a4\ub7ec\uc6b4 \uac70\ub798\ub294 \uc758\uc2ec \ud65c\ub3d9 \ubcf4\uace0\uc11c\ub97c \ud1b5\ud574 \uc2e0\uace0\ud558\uc138\uc694<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">2016\ub144 \uace0\uac1d \uc2e4\uc0ac \uaddc\uc815\uc740 \ubc95\uc778 \uace0\uac1d\uc758 \uc2e4\uc18c\uc720\uc8fc\uc5d0 \ub300\ud55c \uc2e0\uc6d0 \ud655\uc778 \ubc0f \uac80\uc99d\uc744 \uacf5\uc2dd\ud654\ud588\uc2b5\ub2c8\ub2e4. \uc9d1\ud589\uc740 \ud65c\ubc1c\ud558\uac8c \uc774\ub8e8\uc5b4\uc9c0\uace0 \uc788\uc73c\uba70, HSBC\ub294 2012\ub144 \uba55\uc2dc\ucf54 \uce74\ub974\ud154\uc758 \uc790\uae08 \uc138\ud0c1 \uc2e4\ud328\uc5d0 \ub300\ud574 19\uc5b5 \ubbf8\uad6d \ub2ec\ub7ec\ub97c \uc9c0\ubd88\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-other-relevant-kyc-frameworks-worldwide\">\uc804 \uc138\uacc4\uc758 \uae30\ud0c0 \uad00\ub828 KYC \ud504\ub808\uc784\uc6cc\ud06c<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uc2a4\uc704\uc2a4, \uc2f1\uac00\ud3ec\ub974, \uc544\ub78d\uc5d0\ubbf8\ub9ac\ud2b8 \ub4f1 \uad00\ud560\uad8c\uc740 FATF \uad8c\uace0\uc0ac\ud56d\uc744 \ub530\ub974\uba70 \ud604\uc9c0 \uaddc\uc81c\ub294 \uc720\uc0ac\ud55c \ud1b5\uc81c\ub97c \uc694\uad6c\ud569\ub2c8\ub2e4. \uc2a4\uc704\uc2a4\ub294 \uc2a4\uc704\uc2a4 \uc740\ud589 \uc804\ud1b5\uc5d0\uc11c \ub370\uc774\ud130 \uae30\ubc00 \uc720\uc9c0\uc5d0 \uc911\uc810\uc744 \ub454 FINMA \uaddc\uc815\uc744 \uc801\uc6a9\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uad6d\uacbd \uac04 \uc6b4\uc601\uc73c\ub85c \uc778\ud574 \uc740\ud589\uc740 \uc885\uc885 \uc804 \uc138\uacc4 \uace0\uac1d \uae30\ubc18\uc5d0 \uac78\uccd0 \uc801\uc6a9 \uac00\ub2a5\ud55c \uac00\uc7a5 \uc5c4\uaca9\ud55c \uae30\uc900\uc744 \uc801\uc6a9\ud569\ub2c8\ub2e4. InvestGlass\uc640 \uac19\uc774 \uc2a4\uc704\uc2a4\uc5d0 \ud638\uc2a4\ud305\ub418\ub294 \uc8fc\uad8c \ud50c\ub7ab\ud3fc\uc740 \uc720\ub7fd\uc758 \ub370\uc774\ud130 \ubcf4\ud638\ub97c \uc6d0\ud558\uba74\uc11c \uc5ec\ub7ec \uc9c0\uc5ed\uc758 \uace0\uac1d\uc5d0\uac8c \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\ub824\ub294 \uc740\ud589\uc744 \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-customer-rules-and-regulations-in-kyc\">\uace0\uac1d \uaddc\uce59 \ubc0f \uaddc\uc815 (KYC)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">KYC(\uace0\uac1d \ud655\uc778)\uc758 \uace0\uac1d \uaddc\uce59 \ubc0f \uaddc\uc815\uc740 \uae08\uc735 \uae30\uad00\uc774 \uc790\uae08 \uc138\ud0c1 \ubc0f \ud14c\ub7ec \uc790\uae08 \uc870\ub2ec\uacfc \uac19\uc740 \uae08\uc735 \ubc94\uc8c4\ub97c \ubc29\uc9c0\ud558\uae30 \uc704\ud574 \uac15\ub825\ud55c \uaddc\uc81c \uccb4\uacc4 \ub0b4\uc5d0\uc11c \uc6b4\uc601\ub418\ub3c4\ub85d \ubcf4\uc7a5\ud558\uae30 \uc704\ud574 \uc124\uacc4\ub418\uc5c8\uc2b5\ub2c8\ub2e4. FinCEN(\uae08\uc735 \ubc94\uc8c4 \ub2e8\uc18d \ub124\ud2b8\uc6cc\ud06c)\uc740 \uace0\uac1d \uc2e0\uc6d0 \ud655\uc778 \ud504\ub85c\uadf8\ub7a8(CIP) \ubc0f \uace0\uac1d \uc2e4\uc0ac(CDD) \uc808\ucc28 \uad6c\ud604\uc744 \uc758\ubb34\ud654\ud568\uc73c\ub85c\uc368 \uace0\uac1d\uacfc \uae08\uc735 \uae30\uad00 \ubaa8\ub450\uc5d0 \ub300\ud55c \uba85\ud655\ud55c \uae30\ub300\uce58\ub97c \uc124\uc815\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc870\uce58\ub294 \uace0\uac1d \uc2e0\uc6d0\uc744 \ud655\uc778\ud558\uace0 \uc704\ud5d8 \ud504\ub85c\ud544\uc744 \ud3c9\uac00\ud558\ub294 \ub370 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc740\ud589 \ube44\ubc00\ubc95(BSA)\uc5d0 \ub530\ub77c \uae08\uc735 \uae30\uad00\uc740 \uace0\uac1d \uac70\ub798\uc5d0 \ub300\ud55c \ud3ec\uad04\uc801\uc778 \uae30\ub85d\uc744 \uc720\uc9c0\ud558\uace0 \uc758\uc2ec\uc2a4\ub7ec\uc6b4 \ud65c\ub3d9\uc744 FinCEN\uc5d0 \ubcf4\uace0\ud574\uc57c \ud569\ub2c8\ub2e4. \uc5ec\uae30\uc5d0\ub294 \ub3c8\uc138\ud0c1 \ubc0f \ud14c\ub7ec \uc790\uae08 \uc870\ub2ec \uc9d5\ud6c4\ub97c \ubaa8\ub2c8\ud130\ub9c1\ud558\ub294 \uac83\ubfd0\ub9cc \uc544\ub2c8\ub77c \uace0\uac1d \uad00\uacc4 \uc804\ubc18\uc5d0 \uac78\uccd0 \uc2e4\uc0ac(due diligence)\uac00 \uc218\ud589\ub418\ub3c4\ub85d \ud558\ub294 \uac83\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uace0\uac1d \uaddc\uce59\uc744 \uc900\uc218\ud558\ub294 \uac83\uc740 \uae08\uc735 \uc2dc\uc2a4\ud15c\uc758 \ubb34\uacb0\uc131\uc744 \uc720\uc9c0\ud558\uace0 \uaddc\uc81c \uc694\uad6c \uc0ac\ud56d\uc744 \ucda9\uc871\ud558\ub294 \ub370 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774\ub7ec\ud55c \uaddc\uc815\uc744 \uc900\uc218\ud568\uc73c\ub85c\uc368 \uae08\uc735\uae30\uad00\uc740 \uae08\uc735 \ubc94\uc8c4\ub97c \ud0d0\uc9c0 \ubc0f \uc608\ubc29\ud558\uace0, \uaddc\uc81c \uc704\ubc18\uc5d0 \ub530\ub978 \ubc8c\uae08\uc744 \ud53c\ud558\uba70, \uae08\uc735 \uc2dc\uc2a4\ud15c\uc758 \uc804\ubc18\uc801\uc778 \ubcf4\uc548\uc5d0 \uae30\uc5ec\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uba85\ud655\ud55c \uace0\uac1d \uaddc\uc815\uc5d0 \uc758\ud574 \ub4b7\ubc1b\uce68\ub418\ub294 \ud6a8\uacfc\uc801\uc778 KYC \uc808\ucc28\ub294 \uaddc\uc815\uc744 \uc900\uc218\ud558\uace0 \ud0c4\ub825\uc801\uc778 \uc740\ud589 \ud658\uacbd\uc758 \uae30\ubc18\uc774 \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-designing-a-robust-kyc-policy-for-banks\">\uc740\ud589\uc744 \uc704\ud55c \uacac\uace0\ud55c KYC \uc815\ucc45 \uc124\uacc4<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uaddc\uc81c \ub2f9\uad6d\uc740 \uc740\ud589\uc774 \uc774\uc0ac\ud68c\uc758 \uc2b9\uc778\uc744 \ubc1b\uace0 \uc815\uae30\uc801\uc73c\ub85c \uac80\ud1a0\ub418\ub294 \ubb38\uc11c\ud654\ub41c KYC \ubc0f AML \uc815\ucc45\uc744 \uc720\uc9c0\ud558\uae30\ub97c \uae30\ub300\ud569\ub2c8\ub2e4. \uc8fc\uc694 \uc694\uc18c\ub294 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ub9ac\uc2a4\ud06c \uc218\uc6a9\ub3c4 \ubc0f \uace0\uac1d \uc218\ub77d \uae30\uc900<\/li>\n\n\n\n<li>CDD \ubc0f EDD \uc808\ucc28<\/li>\n\n\n\n<li>\uc81c\uc7ac \uc2a4\ud06c\ub9ac\ub2dd \uc694\uac74<\/li>\n\n\n\n<li>\uc9c0\uc18d\uc801\uc778 \ubaa8\ub2c8\ud130\ub9c1 \ud504\ub85c\ud1a0\ucf5c<\/li>\n\n\n\n<li>\ubcf4\uace0 \uc758\ubb34 \ubc0f \uad50\uc721 \uc694\uac74<\/li>\n\n\n\n<li>\uc790\uae08\uc138\ud0c1 \uc2e0\uace0 \ucc45\uc784\uc790(MLRO)\ub97c \ud3ec\ud568\ud55c \uc9c1\ucc45<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">FATF \ubc0f \ud604\uc9c0 \uac10\ub3c5 \ub2f9\uad6d\uc758 \uc9c0\uce68\uc744 \ucc38\uc870\ud558\ub294 \uac83\uc740 \uc815\ucc45 \uae30\ubc18\uc744 \uac15\ud654\ud569\ub2c8\ub2e4. InvestGlass\ub294 \uc815\ucc45 \uc694\uad6c \uc0ac\ud56d\uc744 \uad6c\uc131 \uac00\ub2a5\ud55c \uc6cc\ud06c\ud50c\ub85c, \uccb4\ud06c\ub9ac\uc2a4\ud2b8 \ubc0f \uc2b9\uc778 \uacbd\ub85c\uc5d0 \uc9c1\uc811 \ub9e4\ud551\ud558\uc5ec \uc815\ucc45\uc744 \uc815\uc801 \ubb38\uc11c\ub85c \ub0a8\uaca8\ub450\ub294 \ub300\uc2e0 \uc6b4\uc601\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-digital-and-automated-kyc-for-modern-banks\">\ud604\ub300 \uc740\ud589\uc744 \uc704\ud55c \ub514\uc9c0\ud138 \ubc0f \uc790\ub3d9\ud654\ub41c KYC<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc218\ub3d9 KYC \uc808\ucc28\ub294 \uc5b4\ub824\uc6c0\uc744 \uc57c\uae30\ud569\ub2c8\ub2e4. \uc628\ubcf4\ub529\uc5d0 \ud3c9\uade0 40\uc77c\uc774 \uc18c\uc694\ub418\uace0, 5~10%\uc758 \uc624\ub958\uc728\uc774 \ubc1c\uc0dd\ud558\uba70, \uace0\uac1d\ub2f9 200~500\uc720\ub85c\uc758 \ube44\uc6a9\uc774 \ubc1c\uc0dd\ud569\ub2c8\ub2e4. <a 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>, eKYC, \ubb38\uc11c \ucea1\ucc98 \ubc0f AI \uae30\ubc18 \uac80\uc0ac\ub97c \ud1b5\ud574 \uc18d\ub3c4\uc640 \uc815\ud655\uc131\uc744 \ud5a5\uc0c1\uc2dc\ud0b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ubcf4\uc548\uc5d0 \ub300\ud55c \uaddc\uc81c \uc911\uc810\uc740 \uc554\ud638\ud654, \uc561\uc138\uc2a4 \uc81c\uc5b4 \ubc0f \uba85\ud655\ud55c \ub370\uc774\ud130 \uc0c1\uc8fc \uc870\uce58\ub97c \ud544\uc694\ub85c \ud569\ub2c8\ub2e4. \ub9ce\uc740 \uc778\uae30 \uc788\ub294 KYC \uc194\ub8e8\uc158\uc740 \ubbf8\uad6d \ub610\ub294 \uc911\uad6d\uc758 \ud074\ub77c\uc6b0\ub4dc \uc778\ud504\ub77c\uc5d0 \uc758\uc874\ud558\uba70, \uc774\ub294 \ub370\uc774\ud130 \uc8fc\uad8c \uae30\ub300\uce58\uc640 \ucda9\ub3cc\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass\ub294 \uc2a4\uc704\uc2a4 \ub3c5\ub9bd\uc801\uc778 \ub300\uc548\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4: CRM, \ub514\uc9c0\ud138 \uc628\ubcf4\ub529, KYC \uac80\uc99d \uc6cc\ud06c\ud50c\ub85c\uc6b0 \ubc0f <a href=\"https:\/\/www.investglass.com\/ko\/2025%eb%85%84-%ed%98%84%eb%aa%85%ed%95%9c-%ed%88%ac%ec%9e%90%ec%9e%90%eb%a5%bc-%ec%9c%84%ed%95%9c-6%ea%b0%80%ec%a7%80-%ec%b5%9c%ea%b3%a0%ec%9d%98-%ed%8f%ac%ed%8a%b8%ed%8f%b4%eb%a6%ac%ec%98%a4\/\" target=\"_self\">\ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ub3c4\uad6c<\/a> \uc2a4\uc704\uc2a4 \ud638\uc2a4\ud305 \ub610\ub294 \uc628\ud504\ub808\ubbf8\uc2a4\uc5d0\uc11c. \uc740\ud589\uc740 US CLOUD Act \ub610\ub294 \uc911\uad6d \ub370\uc774\ud130 \uc811\uadfc\ubc95\uc5d0 \ub530\ub978 \ud558\uc774\ud37c\uc2a4\ucf00\uc77c\ub7ec\uc5d0 \ub300\ud55c \uc758\uc874\uc744 \ud53c\ud558\uba74\uc11c \uace0\uac1d \ub370\uc774\ud130\uc5d0 \ub300\ud55c \uc644\uc804\ud55c \uc8fc\uad8c\uc744 \uc720\uc9c0\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"701\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/03\/InvestGlass-Template-GenAI-e4fadabe-1-1024x701.png\" alt=\"\ud540\ud14c\ud06c \ubc0f \ubc45\ud0b9 \ubd84\uc57c\uc758 InvestGlass AI\" class=\"wp-image-46401\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/03\/InvestGlass-Template-GenAI-e4fadabe-1-1024x701.png 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/03\/InvestGlass-Template-GenAI-e4fadabe-1-300x205.png 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/03\/InvestGlass-Template-GenAI-e4fadabe-1-768x526.png 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/03\/InvestGlass-Template-GenAI-e4fadabe-1-1536x1051.png 1536w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/03\/InvestGlass-Template-GenAI-e4fadabe-1.png 2047w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">\ud540\ud14c\ud06c \ubc0f \ubc45\ud0b9 \ubd84\uc57c\uc758 InvestGlass AI<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-investglass-supports-bank-kyc-requirements\">InvestGlass\uac00 \uc740\ud589 KYC \uc694\uad6c\uc0ac\ud56d\uc744 \uc9c0\uc6d0\ud558\ub294 \ubc29\ubc95<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass\ub294 \ud1b5\ud569 CRM, \uc628\ubcf4\ub529, KYC, \uaddc\uc815 \uc900\uc218 \uc6cc\ud06c\ud50c\ub85c \ubc0f \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad00\ub9ac\uac00 \ud544\uc694\ud55c \uaddc\uc81c \uae08\uc735 \uae30\uad00\uc744 \uc704\ud574 \uad6c\ucd95\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uad6c\uccb4\uc801\uc778 \uae30\ub2a5\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uad6c\uc131 \uac00\ub2a5\ud55c \ub514\uc9c0\ud138 \uc628\ubcf4\ub529 \uc591\uc2dd<\/li>\n\n\n\n<li>\uc790\ub3d9 \ubb38\uc11c \uc694\uccad \ubc0f OCR<\/li>\n\n\n\n<li>FATF \ubc0f EBA \uaddc\uc815\uc5d0 \ub530\ub978 \uc704\ud5d8 \ud3c9\uac00 \uc5d4\uc9c4<\/li>\n\n\n\n<li>KYC \uc5c5\ubb34 \uad00\ub9ac \ubc0f \uc804\uccb4 \uac10\uc0ac \ucd94\uc801<\/li>\n\n\n\n<li>\ubcf4\uc548 <a href=\"https:\/\/www.investglass.com\/ko\/%ec%83%81%ec%9c%84-5%ea%b0%80%ec%a7%80-%eb%b3%b4%ec%95%88-%ed%81%b4%eb%9d%bc%ec%9d%b4%ec%96%b8%ed%8a%b8-%ed%8c%8c%ec%9d%bc-%ea%b3%b5%ec%9c%a0-%ed%8f%ac%ed%84%b8-%ec%86%94%eb%a3%a8%ec%85%98\/\" target=\"_self\">\ubb38\uc11c\uc6a9 \ud074\ub77c\uc774\uc5b8\ud2b8 \ud3ec\ud138<\/a> \ud658\uc804<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ub370\uc774\ud130 \uc8fc\uad8c\uc774 \ud575\uc2ec\uc785\ub2c8\ub2e4. \uc2a4\uc704\uc2a4 \uc778\ud504\ub77c \ub610\ub294 \uc740\ud589 \uc790\uccb4 \ub370\uc774\ud130 \uc13c\ud130\uc5d0 \ud638\uc2a4\ud305\ud558\uba74 \ubbf8\uad6d \ub610\ub294 \uc911\uad6d\uc758 \ud558\uc774\ud37c\uc2a4\ucf00\uc77c\ub7ec\ub97c \ud53c\ud558\uace0 \uc740\ud589\uc774 \uace0\uac1d \ub370\uc774\ud130 \uc704\uce58\ub97c \uc644\uc804\ud788 \uc81c\uc5b4\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. InvestGlass\ub294 \uc720\uc5f0\ud55c \uaddc\uce59 \uc5d4\uc9c4, \ubb38\uc11c \uccb4\ud06c\ub9ac\uc2a4\ud2b8 \ubc0f \ub3d9\uc801 \uc704\ud5d8 \uae30\ubc18 \uc6cc\ud06c\ud50c\ub85c\uc6b0\ub97c \ud1b5\ud574 EU, \uc601\uad6d, \uc2a4\uc704\uc2a4 \ubc0f \uae30\ud0c0 \uaddc\uc81c \uc694\uad6c \uc0ac\ud56d\uc744 \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uace0\uac1d \uc8fc\uad8c\uc744 \ubcf4\ud638\ud558\uba74\uc11c KYC \uaddc\uc815 \uc900\uc218\ub97c \ud604\ub300\ud654\ud558\ub824\ub294 \uc740\ud589\uc740 InvestGlass\ub97c \uaddc\uc815\uc744 \uc900\uc218\ud558\uace0 \uc790\ub3d9\ud654\ub418\uba70 \ud655\uc7a5 \uac00\ub2a5\ud55c KYC \uc6b4\uc601\uc744 \uc704\ud55c \uc911\uc559 \ud50c\ub7ab\ud3fc\uc73c\ub85c \ud65c\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. InvestGlass\uac00 \uadc0\ud558\uc758 \uae30\uad00 \uc694\uad6c \uc0ac\ud56d\uc744 \uc5b4\ub5bb\uac8c \uc9c0\uc6d0\ud560 \uc218 \uc788\ub294\uc9c0 \uc54c\uc544\ubcf4\ub824\uba74 \uc774 \uac00\uc774\ub4dc\uc5d0 \uc124\uba85\ub41c \ud504\ub808\uc784\uc6cc\ud06c\uc640 \ud604\uc7ac KYC \ud504\ub85c\uc138\uc2a4\ub97c \ube44\uad50\ud558\uace0 \ub370\uc774\ud130 \ubcf4\ud638 \ubaa9\ud45c\uc5d0 \uc8fc\uad8c \ud50c\ub7ab\ud3fc\uc774 \ub354 \uc801\ud569\ud55c\uc9c0 \ud3c9\uac00\ud574 \ubcf4\uc138\uc694.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\">\uacb0\ub860<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uacb0\ub860\uc801\uc73c\ub85c, \uace0\uac1d\uc54c\uae30\uc81c\ub3c4(KYC)\ub294 \uae08\uc735\uae30\uad00\uc758 \uaddc\uc81c \uc900\uc218\uc5d0 \uc788\uc5b4 \ud575\uc2ec\uc774\uba70, \uace0\uac1d \uc2e0\uc6d0 \ud655\uc778, \uc704\ud5d8 \ud3c9\uac00, \uc790\uae08 \uc138\ud0c1 \ubc0f \ud14c\ub7ec \uc790\uae08 \uc870\ub2ec\uacfc \uac19\uc740 \uae08\uc735 \ubc94\uc8c4 \ubc29\uc9c0\uc5d0 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. KYC \uc808\ucc28\ub294 \uace0\uac1d \uc2e0\uc6d0 \ud655\uc778 \ud504\ub85c\uadf8\ub7a8(CIP), \uace0\uac1d \uc2e4\uc0ac(CDD), \uac15\ud654\ub41c \uc2e4\uc0ac(EDD)\ub97c \ud3ec\ud568\ud55c \uc5ec\ub7ec \ud575\uc2ec \uad6c\uc131 \uc694\uc18c\ub85c \uc774\ub8e8\uc5b4\uc838 \uc788\uc73c\uba70, \uac01 \uc694\uc18c\ub294 \uc704\ud5d8 \uc218\uc900\uacfc \uaddc\uc81c \uc694\uad6c \uc0ac\ud56d\uc744 \ub2e4\ub974\uac8c \ucda9\uc871\ud558\ub3c4\ub85d \uc124\uacc4\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uae08\uc735 \uae30\uad00\uc740 \uc740\ud589 \ube44\ubc00\ubc95(BSA) \ubc0f \uc790\uae08\uc138\ud0c1\ubc29\uc9c0(AML) \ud504\ub808\uc784\uc6cc\ud06c\uc640 \uac19\uc740 \uc5c4\uaca9\ud55c \uaddc\uc815\uc744 \uc900\uc218\ud558\uc5ec \uace0\uac1d \uc815\ubcf4\uc758 \uc9c0\uc18d\uc801\uc778 \ubaa8\ub2c8\ud130\ub9c1 \ubc0f \uc5c5\ub370\uc774\ud2b8\ub97c \ubcf4\uc7a5\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uacbd\uacc4\ub294 \uc758\uc2ec\uc2a4\ub7ec\uc6b4 \ud65c\ub3d9\uc744 \ud0d0\uc9c0\ud558\uace0 \uae08\uc735 \uc2dc\uc2a4\ud15c\uc5d0 \ubd88\ubc95 \uc790\uae08\uc774 \uc720\uc785\ub418\ub294 \uac83\uc744 \ubc29\uc9c0\ud560 \uc218 \uc788\uac8c \ud569\ub2c8\ub2e4. \uace0\uac1d \uc2e0\uc6d0 \ud655\uc778, \uc2e4\uc0ac \uc218\ud589, \uc758\uc2ec\uc2a4\ub7ec\uc6b4 \uac70\ub798\ub97c \uae08\uc735 \ubc94\uc8c4 \ub2e8\uc18d \ub124\ud2b8\uc6cc\ud06c(FinCEN)\uc5d0 \ubcf4\uace0\ud558\ub294 \ub4f1 \uac15\ub825\ud55c KYC \uc808\ucc28\ub97c \uad6c\ud604\ud568\uc73c\ub85c\uc368 \uc740\ud589\uc740 \uc704\ud5d8 \uc694\uc778\uc744 \ud6a8\uacfc\uc801\uc73c\ub85c \uad00\ub9ac\ud558\uace0 \uaddc\uc815 \uc900\uc218\ub97c \uc720\uc9c0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uad81\uadf9\uc801\uc73c\ub85c \uac15\ub825\ud55c KYC(\uace0\uac1d \uc54c\uae30 \uc81c\ub3c4) \ud504\ub85c\uc138\uc2a4\ub294 \uae08\uc735 \uae30\uad00 \ubc0f \uace0\uac1d\uc744 \uae08\uc735 \ubc94\uc8c4\ub85c\ubd80\ud130 \ubcf4\ud638\ud560 \ubfd0\ub9cc \uc544\ub2c8\ub77c \uc804\uccb4 \uae08\uc735 \uc2dc\uc2a4\ud15c\uc758 \ubb34\uacb0\uc131\uc744 \uc720\uc9c0\ud569\ub2c8\ub2e4. \uc9c0\uc18d\uc801\uc778 \ubaa8\ub2c8\ud130\ub9c1, \uaddc\uc81c \uc694\uac74 \uc900\uc218, \ubaa8\ubc94 \uc0ac\ub840\uc5d0 \ub300\ud55c \uc57d\uc18d\uc744 \ud1b5\ud574 \uae08\uc735 \uae30\uad00\uc740 \uae08\uc735 \ubc94\uc8c4\ub97c \uc608\ubc29\ud558\uace0, \uc758\uc2ec\uc2a4\ub7ec\uc6b4 \ud65c\ub3d9\uc744 \ud0d0\uc9c0\ud558\uba70, \ubd88\ubc95 \uc790\uae08\uc774 \uc138\ud0c1\ub418\uac70\ub098 \ud14c\ub7ec \uc790\uae08\uc73c\ub85c \uc0ac\uc6a9\ub418\uc9c0 \uc54a\ub3c4\ub85d \ubcf4\uc7a5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>","protected":false},"excerpt":{"rendered":"<p>Know Your Customer (KYC) is not optional for banks. It is a legal requirement embedded in anti money laundering frameworks across the globe, enforced by regulators who have issued billions in fines to institutions that fall short. From the Financial Action Task Force (FATF) recommendations to the European Union\u2019s Anti Money Laundering Directives and the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":40537,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[36,14],"class_list":["post-49635","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-banking","tag-kyc"],"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>KYC Requirements for Banks: A Comprehensive Guide | InvestGlass<\/title>\n<meta name=\"description\" content=\"Explore KYC requirements for banks and understand the legal obligations for customer verification and risk assessment.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.investglass.com\/ko\/\uc740\ud589\uc5d0-\ub300\ud55c-kyc-\uc694\uad6c-\uc0ac\ud56d\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why Do Banks Require KYC and What Documents Are Needed?\" \/>\n<meta property=\"og:description\" content=\"Know Your Customer (KYC) is not optional for banks. 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