{"id":2354,"date":"2025-03-21T17:27:25","date_gmt":"2025-03-21T08:27:25","guid":{"rendered":"https:\/\/redstudionews.co.kr\/?p=2354"},"modified":"2025-03-21T17:27:25","modified_gmt":"2025-03-21T08:27:25","slug":"%ec%a0%80%ec%b6%95%ec%9d%80%ed%96%89-%ec%a7%80%ec%97%ad%c2%b7%ec%84%9c%eb%af%bc%ea%b8%88%ec%9c%b5-%ec%97%ad%ed%95%a0-%ea%b0%95%ed%99%94%ec%a4%91%ea%b8%88%eb%a6%ac%eb%8c%80%ec%b6%9c","status":"publish","type":"post","link":"https:\/\/redstudionews.co.kr\/?p=2354","title":{"rendered":"\uc800\ucd95\uc740\ud589 ‘\uc9c0\uc5ed\u00b7\uc11c\ubbfc\uae08\uc735 \uc5ed\ud560’ \uac15\ud654\u2026\uc911\uae08\ub9ac\ub300\ucd9c \ud655\ub300\u00b7\uc778\uc13c\ud2f0\ube0c \ubd80\uc5ec"},"content":{"rendered":"

\uae08\uc735\ub2f9\uad6d, ‘\uc800\ucd95\uc740\ud589 \uc5ed\ud560 \uc81c\uace0\ubc29\uc548’ \ubc1c\ud45c\u2026PF\ub300\ucd9c \uc815\uc0c1\ud654\ud380\ub4dc ‘1\uc870 \uc6d0+\u03b1’ \uc870\uc131<\/strong><\/p>\n

\uc815\ubd80\ub294 \uc800\ucd95\uc740\ud589\uc758 \uc5ed\ud560 \uc81c\uace0\ub97c \ud1b5\ud574 \uc911\uc800\uc2e0\uc6a9\uc790\uc5d0 \ub300\ud55c \uae08\uc735\uacf5\uae09\uc744 \ud655\ub300\ud558\uae30\ub85c \ud588\ub2e4.<\/p>\n

\uae08\uc735\uc704\uc6d0\ud68c\ub294 20\uc77c \uae40\ubcd1\ud658 \uae08\uc735\uc704\uc6d0\uc7a5\uc774 \uae08\uc735\uac10\ub3c5\uc6d0 \uc740\ud589\u00b7\uc911\uc18c\uae08\uc735 \ubd80\uc6d0\uc7a5\uacfc \uc608\uae08\ubcf4\ud5d8\uacf5\uc0ac \uc0c1\uc784\uc774\uc0ac, \uc800\ucd95\uc740\ud589\uc911\uc559\ud68c\uc7a5\uacfc 9\uac1c \uc800\ucd95\uc740\ud589 \ub300\ud45c, \uae08\uc735\uc5f0\uad6c\uc6d0 \ubc15\uc900\ud0dc \ubc15\uc0ac\uc640 \ud568\uaed8 ‘\uc800\ucd95\uc740\ud589 \uc5ed\ud560 \uc81c\uace0\ubc29\uc548’\uc744 \ub17c\uc758\ud588\ub2e4\uace0 \ubc1d\ud614\ub2e4.<\/p>\n

\uae40\ubcd1\ud658 \uae08\uc735\uc704\uc6d0\uc7a5\uc740 \ubaa8\ub450\ubc1c\uc5b8\uc5d0\uc11c “\uc9c0\ub09c\ud574 9\uc6d4 \uac04\ub2f4\ud68c\uc5d0\uc11c\ub3c4 \ub2f9\ubd80\ud588\ub358 \ubd80\ub3d9\uc0b0 \ud504\ub85c\uc81d\ud2b8 \ud30c\uc774\ub0b8\uc2f1(PF) \ub300\ucd9c\uc758 \ucca0\uc800\ud55c \uac74\uc804\uc131 \uad00\ub9ac\uc640 \uad00\ub828\ud574 \uc801\uadf9\uc801\uc778 \ubd80\uc2e4\uc815\ub9ac \ub4f1 \uc5c5\uacc4\uc758 \ub178\ub825\uc73c\ub85c \uc5f0\uccb4\uc728, \uace0\uc815\uc774\ud558\uc5ec\uc2e0\ube44\uc728 \ub4f1 \uc790\uc0b0\uac74\uc804\uc131 \uc9c0\ud45c\uc758 \uc0c1\uc2b9\uc138\uac00 \ub454\ud654\ub418\uace0 \uc788\ub2e4”\uace0 \ud3c9\uac00\ud588\ub2e4.<\/p>\n

\uc774\uc5b4\uc11c, “\uc55e\uc73c\ub85c\ub3c4 \uacbd\uc601\uac74\uc804\uc131\uacfc \uc2dc\uc7a5 \uc2e0\ub8b0 \ud68c\ubcf5\uc744 \uc704\ud574 \ubd80\ub3d9\uc0b0 PF \uc815\ub9ac\u00b7\uc7ac\uad6c\uc870\ud654 \uacc4\ud68d\uc744 \ucc28\uc9c8 \uc5c6\uc774 \uc774\ud589\ud558\uace0, \ub300\uc190\ucda9\ub2f9\uae08 \uc801\ub9bd, \uc790\ubcf8 \ud655\ucda9 \ub4f1 \ucda9\ubd84\ud55c \uc190\uc2e4 \ud761\uc218 \ub2a5\ub825 \ud655\ubcf4\ub97c \uc704\ud574 \uacc4\uc18d\ud574\uc11c \ub178\ub825\ud574 \ub2ec\ub77c”\uace0 \ub2f9\ubd80\ud588\ub2e4.<\/p>\n

\uae40 \uc704\uc6d0\uc7a5\uc740 \ub610\ud55c, “\uc5c5\uacc4, \uc720\uad00\uae30\uad00 \ubc0f \uad00\ub828 \uc804\ubb38\uac00\uc640 \ud568\uaed8 \uc800\ucd95\uc740\ud589\uc774 \ub2f9\uba74\ud55c \uc5b4\ub824\uc6c0\uc744 \uadf9\ubcf5\ud558\uace0 \uc9c0\uc5ed\u00b7\uc11c\ubbfc\uae08\uc735 \uacf5\uae09\uae30\ub2a5\uc744 \ud68c\ubcf5\ud558\uae30 \uc704\ud55c \uc800\ucd95\uc740\ud589 \uc5ed\ud560 \uc81c\uace0\ubc29\uc548\uc744 \ub9c8\ub828\ud558\uac8c \ub418\uc5c8\ub2e4”\uace0 \ubc1d\ud614\ub2e4.<\/p>\n

\uc800\ucd95\uc740\ud589 \uc5ed\ud560 \uc81c\uace0\ubc29\uc548\uc740 \uba3c\uc800, \ub9ac\uc2a4\ud06c\uad00\ub9ac \uac15\ud654 \ub4f1\uc73c\ub85c \ub2e4\uc18c \uc704\ucd95\ub3fc\u00a0\uc788\ub294 \uc911\uc800\uc2e0\uc6a9\uc790\uc5d0 \ub300\ud55c \uae08\uc735\uacf5\uae09 \ud655\ub300\ub97c \uc720\ub3c4\ud55c\ub2e4.<\/p>\n

\uc774\ub97c \uc704\ud574 \uc0ac\uc787\ub3cc\ub300\ucd9c\uc758 \uacf5\uae09\uc694\uac74\uc744 \uac1c\uc120\ud558\uace0 \ub300\uc548\uc2e0\uc6a9\ud3c9\uac00 \ud65c\uc6a9\uc744 \ud1b5\ud574 \uc11c\uc6b8\ubcf4\uc99d\ubcf4\ud5d8\uc758 \ubcf4\uc99d\uc2ec\uc0ac\ubaa8\ud615\uc744 \uace0\ub3c4\ud654\ud574 \uc548\uc815\uc801\uc73c\ub85c \uacf5\uae09\uc744 \ud655\ub300\ud558\ub294 \ud55c\ud3b8, \ud587\uc0b4\ub860\uacfc \ubbfc\uac04 \uc911\uae08\ub9ac\ub300\ucd9c \uacf5\uae09 \uad00\ub828 \uc778\uc13c\ud2f0\ube0c\ub97c \uac15\ud654\ud55c\ub2e4.<\/p>\n

\uc544\uc6b8\ub7ec, \uc800\ucd95\uc740\ud589 \uc5ec\uc2e0\uc758 \uacbd\uc81c\uaddc\ubaa8 \ubc0f \uc778\uad6c \ube44\uc911 \ub300\ube44 \uacfc\ub3c4\ud55c \uc218\ub3c4\uad8c \uc3e0\ub9bc \ud604\uc0c1\uc744 \uc644\ud654\ud558\uae30 \uc704\ud574 \uc218\ub3c4\uad8c\uacfc \ube44\uc218\ub3c4\uad8c\uc744 \ud568\uaed8 \uc601\uc5c5\uad6c\uc5ed\uc73c\ub85c \ubcf4\uc720\ud55c \ubcf5\uc218 \uc601\uc5c5\uad6c\uc5ed \uc800\ucd95\uc740\ud589\uc5d0 \ub300\ud55c \uc601\uc5c5\uad6c\uc5ed \ub0b4 \uc758\ubb34\uc5ec\uc2e0\ube44\uc728 \uaddc\uc81c\ub97c \uac1c\uc120\ud558\ub294 \ud55c\ud3b8, \uc9c0\uc5ed\uc7ac\ud22c\uc790 \ud3c9\uac00\ub97c \ub0b4\uc2e4\ud654\ud558\uace0 \ud65c\uc6a9\ub3c4\ub3c4 \ub192\uc778\ub2e4.<\/p>\n

\uc774\uc5b4\uc11c, \uc911\uc18c\ud615 \uc800\ucd95\uc740\ud589\uc758 \ubbf8\ud761\ud55c \uc2e0\uc6a9\ud3c9\uac00 \uc5ed\ub7c9\uc744 \uac15\ud654\ud558\uae30 \uc704\ud574 \uc911\uc18c\ud615 \uc800\ucd95\uc740\ud589 \uac04 \ub370\uc774\ud130 \uacf5\ub3d9 \uad00\ub9ac, \uc801\uadf9\uc801 \ub300\uc548\uc815\ubcf4 \ud65c\uc6a9, \uc0c1\uc2dc\uc801\uc778 \uc2e0\uc6a9\ud3c9\uac00\uc2dc\uc2a4\ud15c(CSS, Credit Scoring System) \uad00\ub9ac\uc870\uc9c1 \uc6b4\uc601 \ub4f1\uc744 \ud1b5\ud574 \uc5c5\uacc4\uc758 \uc911\uc800\uc2e0\uc6a9\uc790 \ub9de\ucda4\ud615 \uc2e0\uc6a9\ud3c9\uac00\uc2dc\uc2a4\ud15c\uc744 \uc9c0\uc18d\ud574\uc11c \uace0\ub3c4\ud654\ud55c\ub2e4.<\/p>\n

\uc911\uc18c\ud615 \uc800\ucd95\uc740\ud589\uc758 \uc5ec\uc2e0 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ub2e4\ubcc0\ud654 \ud544\uc694\uc131, \uac1c\uc778\uc2e0\uc6a9\ub300\ucd9c\uc758 \ube44\ub300\uba74 \ucde8\uae09 \uc99d\uac00 \ub4f1\uc744 \uac10\uc548\ud574 \uc911\uc18c\ud615\uc0ac \ube44\ub300\uba74 \uac1c\uc778\uc2e0\uc6a9\ub300\ucd9c \uacf5\uae09 \uad00\ub828 \uc778\uc13c\ud2f0\ube0c\ub3c4 \ubd80\uc5ec\ud55c\ub2e4.<\/p>\n

\ub354\ubd88\uc5b4, \uc800\ucd95\uc740\ud589\uc5c5\uacc4\uc758 \uc0c1\uc2dc\uc801\u00b7\ud6a8\uacfc\uc801 \uac74\uc804\uc131 \uad00\ub9ac \uac15\ud654\ub97c \uc704\ud574 \uc800\ucd95\uc740\ud589 \uc5c5\uad8c \uc804\ubb38 NPL(\ubd80\uc2e4\ucc44\uad8c) \uad00\ub9ac\ud68c\uc0ac \uc124\ub9bd\ub3c4 \ucd94\uc9c4\ud55c\ub2e4.<\/p>\n

\ub610\ud55c, \uc2e0\uc18d\ud55c \uc2dc\uc7a5\uc790\uc728 \uad6c\uc870\uc870\uc815\uc744 \ucd09\uc9c4\ud558\uae30 \uc704\ud574 \ub2e4\uc18c \uc5c4\uaca9\ud55c \ud604\ud589 M&A(\uc778\uc218\ud569\ubcd1)\u00a0\uae30\uc900\uc744 2\ub144 \ub3d9\uc548 \ud55c\uc2dc\uc801\uc73c\ub85c \uc644\ud654\ud55c\ub2e4.<\/p>\n

M&A \ud5c8\uc6a9 \ub300\uc0c1 \uc800\ucd95\uc740\ud589 \ubc94\uc704\ub97c \uc801\uae30\uc2dc\uc815\uc870\uce58 \ub300\uc0c1\uc5d0\uc11c \ucd5c\uadfc 2\ub144 \uc774\ub0b4 \uc790\uc0b0\uac74\uc804\uc131 \uacc4\ub7c9\uc9c0\ud45c 4\ub4f1\uae09 \uc774\ud558\ub85c \ud655\ub300\ud558\uace0 BIS(\uad6d\uc81c\uacb0\uc81c\uc740\ud589) \ube44\uc728\ub3c4 9% \uc774\ud558\uc5d0\uc11c 11% \uc774\ud558\ub85c \ub192\uc778\ub2e4.<\/p>\n

\uae40\ubcd1\ud658 \uae08\uc735\uc704\uc6d0\uc7a5\uc740\u00a0“\uc62c\ud574 \ud558\ubc18\uae30 \uc911 2\ub2e8\uacc4\ub85c \ub300\ud615\uc0ac\uc640 \uc911\uc18c\ud615\uc0ac \uac04 \uc591\uadf9\ud654, \uc9c0\uc5ed\u00b7\uc778\uad6c\uad6c\uc870 \ubcc0\ud654, \ub514\uc9c0\ud138 \uc804\ud658 \ub4f1\uc744 \uac10\uc548\ud574 \uc800\ucd95\uc740\ud589\uc774 \uae08\uc735 \uc0b0\uc5c5 \ub0b4\uc5d0\uc11c \uc0c8\ub86d\uac8c \uc790\ub9ac\ub9e4\uae40\ud560 \uc218 \uc788\ub3c4\ub85d \uaddc\uc81c\uccb4\uacc4\ub97c \uc0c8\ub86d\uac8c \uc815\ube44\ud558\ub294 \ub0b4\uc6a9\uc744 \ud3ec\ud568\ud55c \uc800\ucd95\uc740\ud589 \ubc1c\uc804\ubc29\uc548\uc744 \ub9c8\ub828\ud560 \uacc4\ud68d”\uc774\ub77c\uace0 \ubc1d\ud614\ub2e4.<\/p>\n

\uc624\ud654\uacbd \uc800\ucd95\uc740\ud589\uc911\uc559\ud68c\uc7a5\uc740 “\uc774\ubc88 \ubc29\uc548\uc5d0 \ud3ec\ud568\ub41c \uc911\uc800\uc2e0\uc6a9\uc790 \ub9de\ucda4\ud615 \uc2e0\uc6a9\ud3c9\uac00\uc2dc\uc2a4\ud15c \uace0\ub3c4\ud654, \uc800\ucd95\uc740\ud589 NPL\uad00\ub9ac \uc804\ubb38\ud68c\uc0ac \uc124\ub9bd, \uc800\ucd95\uc740\ud589 PF \ub300\ucd9c \uc815\uc0c1\ud654 \ud380\ub4dc \uc870\uc131\u00b7\uc6b4\uc6a9 \ub4f1 \uc5c5\uacc4\ud611\ub825 \uc0ac\ud56d\ub4e4\uc744 \ucc28\uc9c8 \uc5c6\uc774 \uc9c4\ud589\ud560 \uc218 \uc788\ub3c4\ub85d \ud68c\uc6d0\uc0ac\ub4e4\uacfc \ud568\uaed8 \ub178\ub825\ud558\uaca0\ub2e4”\uace0 \uac15\uc870\ud588\ub2e4.<\/p>\n

\ubc15\uc900\ud0dc \uae08\uc735\uc5f0\uad6c\uc6d0 \ubc15\uc0ac\ub294 “\uc800\ucd95\uc740\ud589 \uc5ed\ud560 \uc81c\uace0\ubc29\uc548\uc740 \uc800\ucd95\uc740\ud589 \ubcf8\uc5f0\uc758 \uc9c0\uc5ed\u00b7\uc11c\ubbfc\uae08\uc735\uae30\uad00\uc73c\ub85c\uc11c\uc758 \uae30\ub2a5 \uac15\ud654\uc5d0 \uc911\uc810\uc744 \ub454 \uac83\uc73c\ub85c, \uc62c\ud574 \ud558\ubc18\uae30\uc5d0 \ubc1c\ud45c\ud560 \uc800\ucd95\uc740\ud589 \ubc1c\uc804\ubc29\uc548\uc5d0\ub294 \uc601\uc5c5\ud658\uacbd \ubcc0\ud654 \ub4f1\uc744 \uac10\uc548\ud55c \ubbf8\ub798 \uc800\ucd95\uc740\ud589\uc5c5\uacc4\uc758 \uccad\uc0ac\uc9c4\uc744 \ud3ec\ud568\ub420 \ud544\uc694\uac00 \uc788\ub2e4”\uace0 \ubc1d\ud614\ub2e4.<\/p>\n

\ubb38\uc758: \uae08\uc735\uc704\uc6d0\ud68c \uc911\uc18c\uae08\uc735\uacfc(02-2100-2993,2994), \uae08\uc735\uac10\ub3c5\uc6d0 \uc911\uc18c\uae08\uc735\uac10\ub3c5\uad6d(02-3145-6770, 6773), \uc911\uc18c\uae08\uc735\uac80\uc0ac1\uad6d(02-3145-7380), \uc800\ucd95\uc740\ud589\uc911\uc559\ud68c \uae30\ud68d\uad00\ub9ac\ubcf8\ubd80(02-397-8610), \uacbd\uc601\uc804\ub7b5\ubcf8\ubd80(02-397-8640, 8650, 8710), \uc790\uae08\uc6b4\uc6a9\ubcf8\ubd80(02-397-8701)<\/p>\n

[\ucd9c\ucc98] \ub300\ud55c\ubbfc\uad6d \uc815\ucc45\ube0c\ub9ac\ud551(www.korea.kr)<\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

\uae08\uc735\ub2f9\uad6d, ‘\uc800\ucd95\uc740\ud589 \uc5ed\ud560 \uc81c\uace0\ubc29\uc548’ \ubc1c\ud45c\u2026PF\ub300\ucd9c \uc815\uc0c1\ud654\ud380\ub4dc ‘1\uc870 \uc6d0+\u03b1’ \uc870\uc131 \uc815\ubd80\ub294 \uc800\ucd95\uc740\ud589\uc758 \uc5ed\ud560 \uc81c\uace0\ub97c \ud1b5\ud574 \uc911\uc800\uc2e0\uc6a9\uc790\uc5d0 \ub300\ud55c \uae08\uc735\uacf5\uae09\uc744 \ud655\ub300\ud558\uae30\ub85c \ud588\ub2e4. \uae08\uc735\uc704\uc6d0\ud68c\ub294 20\uc77c \uae40\ubcd1\ud658 \uae08\uc735\uc704\uc6d0\uc7a5\uc774 \uae08\uc735\uac10\ub3c5\uc6d0 \uc740\ud589\u00b7\uc911\uc18c\uae08\uc735 \ubd80\uc6d0\uc7a5\uacfc \uc608\uae08\ubcf4\ud5d8\uacf5\uc0ac \uc0c1\uc784\uc774\uc0ac, \uc800\ucd95\uc740\ud589\uc911\uc559\ud68c\uc7a5\uacfc 9\uac1c \uc800\ucd95\uc740\ud589 \ub300\ud45c, \uae08\uc735\uc5f0\uad6c\uc6d0 \ubc15\uc900\ud0dc \ubc15\uc0ac\uc640 \ud568\uaed8 ‘\uc800\ucd95\uc740\ud589 \uc5ed\ud560 \uc81c\uace0\ubc29\uc548’\uc744 \ub17c\uc758\ud588\ub2e4\uace0 \ubc1d\ud614\ub2e4. \uae40\ubcd1\ud658 \uae08\uc735\uc704\uc6d0\uc7a5\uc740 \ubaa8\ub450\ubc1c\uc5b8\uc5d0\uc11c “\uc9c0\ub09c\ud574 9\uc6d4 \uac04\ub2f4\ud68c\uc5d0\uc11c\ub3c4 \ub2f9\ubd80\ud588\ub358 \ubd80\ub3d9\uc0b0 \ud504\ub85c\uc81d\ud2b8 \ud30c\uc774\ub0b8\uc2f1(PF) \ub300\ucd9c\uc758 \ucca0\uc800\ud55c \uac74\uc804\uc131 \uad00\ub9ac\uc640 […]<\/p>\n","protected":false},"author":261,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-2354","post","type-post","status-publish","format-standard","hentry","category-10"],"_links":{"self":[{"href":"https:\/\/redstudionews.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/2354","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/redstudionews.co.kr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/redstudionews.co.kr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/redstudionews.co.kr\/index.php?rest_route=\/wp\/v2\/users\/261"}],"replies":[{"embeddable":true,"href":"https:\/\/redstudionews.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2354"}],"version-history":[{"count":1,"href":"https:\/\/redstudionews.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/2354\/revisions"}],"predecessor-version":[{"id":2357,"href":"https:\/\/redstudionews.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/2354\/revisions\/2357"}],"wp:attachment":[{"href":"https:\/\/redstudionews.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2354"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/redstudionews.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2354"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/redstudionews.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2354"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}