{"id":16096,"date":"2024-12-31T02:10:56","date_gmt":"2024-12-31T02:10:56","guid":{"rendered":"https:\/\/www.globalresearchdata.kr\/?p=3210"},"modified":"2026-10-25T09:18:20","modified_gmt":"2026-10-25T00:18:20","slug":"usage-based-insurance-ubi-market-smrc","status":"publish","type":"post","link":"https:\/\/www.globalresearch.co.kr\/insight\/usage-based-insurance-ubi-market-smrc\/","title":{"rendered":"\uc138\uacc4\uc758 \uc0ac\uc6a9\ub7c9 \uae30\ubc18 \ubcf4\ud5d8(UBI) \uc2dc\uc7a5 (2030\ub144\uae4c\uc9c0) : \ubcf4\uc7a5 \uc720\ud615\ubcc4 (\ud558\ub4dc\uc6e8\uc5b4, \uc885\ub7c9\uc81c(PAYD), \uc2dc\uac04\ub2f9 \uc9c0\ubd88 \ubc29\uc2dd(PHYD), \uad00\ub9ac\ud615 \uc6b4\uc804 \ubc29\uc2dd(MHYD)), \ucc28\ub7c9 \uc720\ud615\ubcc4 (\uc2b9\uc6a9\ucc28, \uc0c1\uc6a9\ucc28, \uc774\ub95c\ucc28, \uae30\ud0c0)"},"content":{"rendered":"

\"\"<\/p>\n

 <\/p>\n

1 \uc694\uc57d<\/strong><\/b><\/p>\n

2 \uc11c\ubb38<\/strong><\/b><\/p>\n

2.1 \uc694\uc57d<\/p>\n

2.2 \uc2a4\ud14c\uc774\ud06c \ud640\ub354<\/p>\n

2.3 \uc5f0\uad6c \ubc94\uc704<\/p>\n

2.4 \uc5f0\uad6c \ubc29\ubc95\ub860<\/p>\n

2.4.1 \ub370\uc774\ud130 \ub9c8\uc774\ub2dd<\/p>\n

2.4.2 \ub370\uc774\ud130 \ubd84\uc11d<\/p>\n

2.4.3 \ub370\uc774\ud130 \uac80\uc99d<\/p>\n

2.4.4 \uc5f0\uad6c \uc811\uadfc \ubc29\uc2dd<\/p>\n

2.5 \uc5f0\uad6c \ucd9c\ucc98<\/p>\n

2.5.1 1\ucc28 \uc5f0\uad6c \ucd9c\ucc98<\/p>\n

2.5.2 \ubcf4\uc870 \uc5f0\uad6c \ucd9c\ucc98<\/p>\n

2.5.3 \uac00\uc815<\/p>\n

3 \uc2dc\uc7a5 \ub3d9\ud5a5 \ubd84\uc11d<\/strong><\/b><\/p>\n

3.1 \uc18c\uac1c<\/p>\n

3.2 \ub3d9\uc778<\/p>\n

3.3 \uc81c\uc57d<\/p>\n

3.4 \uae30\ud68c<\/p>\n

3.5 \uc704\ud611<\/p>\n

3.6 \uae30\uc220 \ubd84\uc11d<\/p>\n

3.7 \uc2e0\ud765 \uc2dc\uc7a5<\/p>\n

3.8 \ucf54\ub85c\ub09819\uc758 \uc601\ud5a5<\/p>\n

4 \ud3ec\ud130\uc758 \ub2e4\uc12f \uac00\uc9c0 \ud798 \ubd84\uc11d<\/strong><\/b><\/p>\n

4.1 \uacf5\uae09\uc790\uc758 \ud611\uc0c1\ub825<\/p>\n

4.2 \uad6c\ub9e4\uc790\uc758 \ud611\uc0c1\ub825<\/p>\n

4.3 \ub300\uccb4\uc7ac\uc758 \uc704\ud611<\/p>\n

4.4 \uc2e0\uaddc \uc9c4\uc785\uc790\uc758 \uc704\ud611<\/p>\n

4.5 \uacbd\uc7c1\uc801 \uacbd\uc7c1<\/p>\n

5 \ubcf4\uc7a5 \uc720\ud615\ubcc4 \uae00\ub85c\ubc8c \uc0ac\uc6a9 \uae30\ubc18 \ubcf4\ud5d8 (UBI) \uc2dc\uc7a5<\/strong><\/b><\/p>\n

5.1 \uc18c\uac1c<\/p>\n

5.2 \ud558\ub4dc\uc6e8\uc5b4<\/p>\n

5.3 \uc885\ub7c9\uc81c (PAYD)<\/p>\n

5.4 \uc885\ub7c9\uc81c (PHYD)<\/p>\n

5.5 \uad00\ub9ac\ud615 \uc6b4\uc804 \ubc29\uc2dd(MHYD)<\/p>\n

6 \ucc28\ub7c9 \uc720\ud615\ubcc4 \uae00\ub85c\ubc8c \uc0ac\uc6a9\ub7c9 \uae30\ubc18 \ubcf4\ud5d8 (UBI) \uc2dc\uc7a5<\/strong><\/b><\/p>\n

6.1 \uc18c\uac1c<\/p>\n

6.2 \uc2b9\uc6a9\ucc28<\/p>\n

6.3 \uc0c1\uc5c5\uc6a9 \ucc28\ub7c9<\/p>\n

6.4 \uc774\ub95c\ucc28<\/p>\n

6.5 \uae30\ud0c0 \ucc28\ub7c9 \uc720\ud615<\/p>\n

7 \ucc28\ub7c9 \uc5f0\uc2dd\ubcc4 \uae00\ub85c\ubc8c \uc0ac\uc6a9 \uae30\ubc18 \ubcf4\ud5d8 (UBI) \uc2dc\uc7a5<\/strong><\/b><\/p>\n

7.1 \uc18c\uac1c<\/p>\n

7.2 \uc0c8\ub85c\uc6b4 \ucc28\ub7c9<\/p>\n

7.3 \uc624\ub798\ub41c \ucc28\ub7c9<\/p>\n

8 \uae30\uc220 \ubcc4 \uae00\ub85c\ubc8c \uc0ac\uc6a9 \uae30\ubc18 \ubcf4\ud5d8 (UBI) \uc2dc\uc7a5<\/strong><\/b><\/p>\n

8.1 \uc18c\uac1c<\/p>\n

8.2 OBD-II \ub3d9\uae00<\/p>\n

8.3 \uc2a4\ub9c8\ud2b8 \ud3f0 \uc571<\/p>\n

8.4 \ud154\ub808\ub9e4\ud2f1\uc2a4 \uc7a5\uce58<\/p>\n

8.5 \uae30\ud0c0 \uae30\uc220<\/p>\n

9 \uc720\ud1b5 \ucc44\ub110 \ubcc4 \uae00\ub85c\ubc8c \uc0ac\uc6a9 \uae30\ubc18 \ubcf4\ud5d8 (UBI) \uc2dc\uc7a5<\/strong><\/b><\/p>\n

9.1 \uc18c\uac1c<\/p>\n

9.2 \uc9c1\uc811 \ud310\ub9e4<\/p>\n

9.3 \ub3c5\ub9bd \uc5d0\uc774\uc804\ud2b8 \ubc0f \ube0c\ub85c\ucee4<\/p>\n

9.4 \uc784\ubca0\ub514\ub4dc \ubcf4\ud5d8<\/p>\n

10 \uc9c0\uc5ed\ubcc4 \uae00\ub85c\ubc8c \uc0ac\uc6a9 \uae30\ubc18 \ubcf4\ud5d8 (UBI) \uc2dc\uc7a5<\/strong><\/b><\/p>\n

10.1 \uc18c\uac1c<\/p>\n

10.2 \ubd81\ubbf8<\/p>\n

10.2.1 \ubbf8\uad6d<\/p>\n

10.2.2 \uce90\ub098\ub2e4<\/p>\n

10.2.3 \uba55\uc2dc\ucf54<\/p>\n

10.3 \uc720\ub7fd<\/p>\n

10.3.1 \ub3c5\uc77c<\/p>\n

10.3.2 \uc601\uad6d<\/p>\n

10.3.3 \uc774\ud0c8\ub9ac\uc544<\/p>\n

10.3.4 \ud504\ub791\uc2a4<\/p>\n

10.3.5 \uc2a4\ud398\uc778<\/p>\n

10.3.6 \uae30\ud0c0 \uc720\ub7fd<\/p>\n

10.4 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591<\/p>\n

10.4.1 \uc77c\ubcf8<\/p>\n

10.4.2 \uc911\uad6d<\/p>\n

10.4.3 \uc778\ub3c4<\/p>\n

10.4.4 \ud638\uc8fc<\/p>\n

10.4.5 \ub274\uc9c8\ub79c\ub4dc<\/p>\n

10.4.6 \ub300\ud55c\ubbfc\uad6d<\/p>\n

10.4.7 \uae30\ud0c0 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed<\/p>\n

10.5 \ub0a8\ubbf8<\/p>\n

10.5.1 \uc544\ub974\ud5e8\ud2f0\ub098<\/p>\n

10.5.2 \ube0c\ub77c\uc9c8<\/p>\n

10.5.3 \uce60\ub808<\/p>\n

10.5.4 \ub0a8\ubbf8\uc758 \ub098\uba38\uc9c0 \uc9c0\uc5ed<\/p>\n

10.6 \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74<\/p>\n

10.6.1 \uc0ac\uc6b0\ub514 \uc544\ub77c\ube44\uc544<\/p>\n

10.6.2 \uc544\ub78d\uc5d0\ubbf8\ub9ac\ud2b8<\/p>\n

10.6.3 \uce74\ud0c0\ub974<\/p>\n

10.6.4 \ub0a8\uc544\ud504\ub9ac\uce74 \uacf5\ud654\uad6d<\/p>\n

10.6.5 \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74\uc758 \ub098\uba38\uc9c0 \uc9c0\uc5ed<\/p>\n

11 \uc8fc\uc694 \uac1c\ubc1c \uc0ac\ud56d<\/strong><\/b><\/p>\n

11.1 \uacc4\uc57d, \ud30c\ud2b8\ub108\uc2ed, \ud611\uc5c5 \ubc0f \ud569\uc791 \ud22c\uc790<\/p>\n

11.2 \uc778\uc218 \ubc0f \ud569\ubcd1<\/p>\n

11.3 \uc2e0\uc81c\ud488 \ucd9c\uc2dc<\/p>\n

11.4 \ud655\uc7a5<\/p>\n

11.5 \uae30\ud0c0 \uc8fc\uc694 \uc804\ub7b5<\/p>\n

12 \ud68c\uc0ac \ud504\ub85c\ud30c\uc77c\ub9c1<\/strong><\/b><\/p>\n

 <\/p>\n

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

\uc2a4\ud2b8\ub798\ud2f0\uc2a4\ud2f1\uc2a4 MRC\uc5d0 \ub530\ub974\uba74 \uae00\ub85c\ubc8c \uc0ac\uc6a9 \uae30\ubc18 \ubcf4\ud5d8(UBI) \uc2dc\uc7a5\uc740 2023\ub144 332\uc5b5 \ub2ec\ub7ec \uaddc\ubaa8\uc774\uba70, \uc608\uce21 \uae30\uac04 \ub3d9\uc548 24.2%\uc758 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960\ub85c \uc131\uc7a5\ud558\uc5ec 2030\ub144\uc5d0\ub294 1,517\uc5b5 \ub2ec\ub7ec\uc5d0 \ub2ec\ud560 \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4. \uc0ac\uc6a9\ub7c9 \uae30\ubc18 \ubcf4\ud5d8(UBI)\uc740 \ubcf4\ud5d8 \uacc4\uc57d\uc790\uc758 \uc6b4\uc804 \ud589\ub3d9\uc744 \ubaa8\ub2c8\ud130\ub9c1\ud558\uc5ec \ubcf4\ud5d8\ub8cc\ub97c \uacb0\uc815\ud558\ub294 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc758 \ud55c \uc720\ud615\uc785\ub2c8\ub2e4. \uc18d\ub3c4, \uc8fc\ud589\uac70\ub9ac, \uc81c\ub3d9 \ud328\ud134 \ub4f1 \ucc28\ub7c9\uc5d0 \uc124\uce58\ub41c \ud154\ub808\ub9e4\ud2f1\uc2a4 \uc7a5\uce58\uc5d0\uc11c \uc218\uc9d1\ud55c \ub370\uc774\ud130\ub97c \uc0ac\uc6a9\ud558\uc5ec \uc704\ud5d8\uc744 \ud3c9\uac00\ud558\uace0 \uadf8\uc5d0 \ub530\ub77c \ubcf4\ud5d8\ub8cc\ub97c \uc870\uc815\ud569\ub2c8\ub2e4. UBI\ub294 \uc548\uc804\ud55c \uc6b4\uc804\uc790\uc5d0\uac8c\ub294 \uc7a0\uc7ac\uc801\uc778 \ube44\uc6a9 \uc808\uac10 \ud6a8\uacfc\ub97c \uc81c\uacf5\ud558\ub294 \ub3d9\uc2dc\uc5d0 \ubcf4\ud5d8\uc0ac\uc5d0\uac8c\ub294 \ub354 \uc548\uc804\ud55c \uc6b4\uc804 \uc2b5\uad00\uc744 \uc7a5\ub824\ud558\uace0 \ub354 \uc815\ud655\ud55c \uc704\ud5d8 \ud3c9\uac00\ub97c \uac00\ub2a5\ud558\uac8c \ud569\ub2c8\ub2e4.
\n\uc774\ud0c8\ub9ac\uc544 \ubcf4\ud5d8\uac10\ub3c5\uccad(IVASS)\uc5d0 \ub530\ub974\uba74 2020\ub144 \uc774\ud0c8\ub9ac\uc544\uc758 UBI \ubcf4\ud5d8 \uac00\uc785 \uac74\uc218\ub294 \uc804\ub144 \ub300\ube44 21.4% \uc99d\uac00\ud55c 750\ub9cc \uac74\uc5d0 \ub2ec\ud588\uc2b5\ub2c8\ub2e4.
\n\uc2dc\uc7a5 \uc5ed\ud559:
\n\uc6b4\uc804\uc790:
\n\uac1c\uc778 \ub9de\ucda4\ud615 \ubcf4\ud5d8 \uc194\ub8e8\uc158\uc5d0 \ub300\ud55c \uc18c\ube44\uc790 \uad00\uc2ec \uc99d\uac00
\n\uac1c\uc778 \ub9de\ucda4\ud615 \ubcf4\ud5d8 \uc194\ub8e8\uc158\uc5d0 \ub300\ud55c \uc218\uc694 \uc99d\uac00\ub294 \uc0ac\uc6a9\ub7c9 \uae30\ubc18 \ubcf4\ud5d8(UBI) \uc2dc\uc7a5\uc758 \uc911\uc694\ud55c \ub3d9\uc778\uc785\ub2c8\ub2e4. \uc18c\ube44\uc790\ub4e4\uc740 \uac01\uc790\uc758 \uc6b4\uc804 \uc2b5\uad00\uacfc \uc704\ud5d8 \ud504\ub85c\ud544\uc5d0 \ub9de\ub294 \ubcf4\ud5d8 \uc815\ucc45\uc744 \ucc3e\uace0 \uc788\uc2b5\ub2c8\ub2e4. UBI \ud504\ub85c\uadf8\ub7a8\uc740 \ubcf4\ud5d8\ub8cc\ub97c \ub0ae\ucd94\uace0 \uc548\uc804 \uc6b4\uc804\uc744 \uc7a5\ub824\ud560 \uc218 \uc788\ub294 \uc7a0\uc7ac\ub825\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc18c\ube44\uc790\ub4e4\uc774 UBI\uc758 \uc774\uc810\uc744 \ub354 \ub9ce\uc774 \uc778\uc2dd\ud568\uc5d0 \ub530\ub77c \uc774\ub7ec\ud55c \uac1c\uc778 \ub9de\ucda4\ud615 \ubcf4\ud5d8 \uc194\ub8e8\uc158\uc5d0 \ub300\ud55c \uad00\uc2ec\uc774 \ucee4\uc9c0\uba74\uc11c \uc2dc\uc7a5\uc774 \ubc1c\uc804\ud558\uace0 \ub354 \ub9ce\uc740 \ubcf4\ud5d8 \uc81c\uacf5\uc5c5\uccb4\uac00 \uc99d\uac00\ud558\ub294 \uc218\uc694\ub97c \ucda9\uc871\ud558\uae30 \uc704\ud574 UBI \uc635\uc158\uc744 \uc81c\uacf5\ud558\ub3c4\ub85d \uc7a5\ub824\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.
\n\uc81c\uc57d:
\n\uc81c\ud55c\ub41c \uc2dc\uc7a5 \uce68\ud22c
\n\uc0ac\uc6a9\ub7c9 \uae30\ubc18 \ubcf4\ud5d8(UBI)\uc5d0 \ub300\ud55c \uad00\uc2ec\uc774 \ub192\uc544\uc9c0\uace0 \uc788\uc74c\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc2dc\uc7a5 \ubcf4\uae09\uc740 \uc5ec\uc804\ud788 \uc81c\ud55c\uc801\uc785\ub2c8\ub2e4. \ub9ce\uc740 \uc18c\ube44\uc790\ub4e4\uc774 \uc544\uc9c1 UBI \ud504\ub85c\uadf8\ub7a8\uc5d0 \ub300\ud574 \uc798 \ubaa8\ub974\uac70\ub098 \ub370\uc774\ud130 \ud504\ub77c\uc774\ubc84\uc2dc \ubc0f \ubcf4\ud5d8\ub8cc\uc5d0 \ubbf8\uce60 \uc218 \uc788\ub294 \uc7a0\uc7ac\uc801 \uc601\ud5a5\uc5d0 \ub300\ud55c \uc6b0\ub824\ub85c \uc778\ud574 \ub3c4\uc785\uc744 \uc8fc\uc800\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c \uc77c\ubd80 \ubcf4\ud5d8 \uc81c\uacf5\uc5c5\uccb4\ub294 UBI \ud504\ub85c\uadf8\ub7a8\uc744 \uad6c\ud604\ud558\ub294 \ub370 \ud544\uc694\ud55c \uae30\uc220 \ubc0f \uc778\ud504\ub77c\uc5d0 \ud22c\uc790\ud558\uae30\ub97c \uaebc\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc694\uc778\uc73c\ub85c \uc778\ud574 \uc2dc\uc7a5 \uce68\ud22c\uac00 \uc81c\ud55c\ub418\uc5b4 UBI \uc2dc\uc7a5\uc758 \uc804\ubc18\uc801\uc778 \uc131\uc7a5\uc5d0 \uc81c\uc57d \uc694\uc778\uc73c\ub85c \uc791\uc6a9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.
\n\uae30\ud68c:
\n\ud154\ub808\ub9e4\ud2f1\uc2a4 \uae30\uc220\uc758 \ubc1c\uc804
\n\ud154\ub808\ub9e4\ud2f1\uc2a4 \uae30\uae30\uac00 \ub354\uc6b1 \uc815\uad50\ud558\uace0 \uc815\ud655\ud558\uba70 \ube44\uc6a9 \ud6a8\uc728\uc801\uc73c\ub85c \ubc1c\uc804\ud568\uc5d0 \ub530\ub77c \ubcf4\ud5d8\ud68c\uc0ac\ub294 \uc6b4\uc804 \ud589\ub3d9\uc5d0 \ub300\ud55c \ubcf4\ub2e4 \uc0c1\uc138\ud558\uace0 \uc2e0\ub8b0\ud560 \uc218 \uc788\ub294 \ub370\uc774\ud130\ub97c \uc218\uc9d1\ud560 \uc218 \uc788\uac8c \ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubc1c\uc804\uc740 \ubcf4\ub2e4 \uc815\ud655\ud55c \uc704\ud5d8 \ud3c9\uac00\uc640 \uac1c\uc778\ud654\ub41c \uac00\uaca9 \ucc45\uc815 \ubaa8\ub378\uc744 \uac00\ub2a5\ud558\uac8c \ud569\ub2c8\ub2e4. \ud154\ub808\ub9e4\ud2f1\uc2a4 \uae30\uc220\uc774 \uacc4\uc18d \ubc1c\uc804\ud568\uc5d0 \ub530\ub77c \uc6b4\uc804\uc790\uc5d0 \ub300\ud55c \uc2e4\uc2dc\uac04 \ud53c\ub4dc\ubc31 \ubc0f \ucf54\uce6d\uacfc \uac19\uc740 UBI \ud504\ub85c\uadf8\ub7a8\uc758 \uc0c8\ub85c\uc6b4 \uac00\ub2a5\uc131\uc774 \uc5f4\ub9ac\uace0 \uc788\uc73c\uba70, \uc774\ub294 UBI\uc758 \uac00\uce58 \uc81c\uc548\uc744 \ub354\uc6b1 \ud5a5\uc0c1\uc2dc\ud0a4\uace0 \ub354 \ub9ce\uc740 \uc18c\ube44\uc790\uac00 \uc774\ub7ec\ud55c \uc194\ub8e8\uc158\uc744 \ucc44\ud0dd\ud558\ub3c4\ub85d \uc720\ub3c4\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.
\n\uc704\ud611:
\n\ub370\uc774\ud130 \ubcf4\uc548 \uc704\ud611
\n\ub370\uc774\ud130 \ubcf4\uc548 \uc704\ud611\uc740 \uc0ac\uc6a9\ub7c9 \uae30\ubc18 \ubcf4\ud5d8(UBI) \uc2dc\uc7a5\uc5d0 \uc911\ub300\ud55c \ub3c4\uc804 \uacfc\uc81c\uc785\ub2c8\ub2e4. UBI \ud504\ub85c\uadf8\ub7a8\uc740 \uc704\uce58, \uc18d\ub3c4, \uc6b4\uc804 \uc2b5\uad00 \ub4f1 \ubbfc\uac10\ud55c \uc6b4\uc804\uc790 \ub370\uc774\ud130\uc758 \uc218\uc9d1\uacfc \ubd84\uc11d\uc5d0 \uc758\uc874\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub370\uc774\ud130\uc758 \ubcf4\uc548\uacfc \uac1c\uc778\uc815\ubcf4 \ubcf4\ud638\ub97c \ubcf4\uc7a5\ud558\ub294 \uac83\uc740 \uc18c\ube44\uc790\uc758 \uc2e0\ub8b0\ub97c \uc720\uc9c0\ud558\uace0 \uaddc\uc81c \uc694\uac74\uc744 \uc900\uc218\ud558\ub294 \ub370 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. \ub370\uc774\ud130 \uc720\ucd9c \ub610\ub294 \uc6b4\uc804\uc790 \ub370\uc774\ud130\uc5d0 \ub300\ud55c \ubb34\ub2e8 \uc561\uc138\uc2a4\ub294 \ubcf4\ud5d8 \uc81c\uacf5\uc5c5\uccb4\uc758 \ud3c9\ud310 \uc190\uc0c1\uc73c\ub85c \uc774\uc5b4\uc9c8 \uc218 \uc788\uc73c\uba70 UBI \ud504\ub85c\uadf8\ub7a8\uc5d0 \ub300\ud55c \uc18c\ube44\uc790\uc758 \uc2e0\ub8b0\ub97c \uc57d\ud654\uc2dc\ud0ac \uc218 \uc788\uc2b5\ub2c8\ub2e4.
\n\ucf54\ub85c\ub09819 \uc601\ud5a5:
\n\ucf54\ub85c\ub09819 \ud32c\ub370\ubbf9\uc740 \uc0ac\uc6a9 \uae30\ubc18 \ubcf4\ud5d8(UBI) \uc2dc\uc7a5\uc5d0 \ubcf5\ud569\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\ucce4\uc2b5\ub2c8\ub2e4. \ud55c\ud3b8\uc73c\ub85c\ub294 \ubd09\uc1c4\uc640 \uc5ec\ud589 \uc81c\ud55c\uc73c\ub85c \uc778\ud574 \uc6b4\uc804 \ud65c\ub3d9\uc774 \uac10\uc18c\ud558\uba74\uc11c UBI \ud504\ub85c\uadf8\ub7a8\uc5d0 \uc218\uc9d1\ub418\ub294 \ub370\uc774\ud130\uac00 \uac10\uc18c\ud588\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ud32c\ub370\ubbf9\uc73c\ub85c \uc778\ud574 \ub514\uc9c0\ud138 \uae30\uc220 \ub3c4\uc785\uacfc \uc6d0\uaca9 \uadfc\ubb34\uac00 \uac00\uc18d\ud654\ub418\uba74\uc11c \uc18c\ube44\uc790\ub4e4\uc774 \ubcf4\ub2e4 \uc720\uc5f0\ud558\uace0 \uac1c\uc778\ud654\ub41c \ubcf4\ud5d8 \uc635\uc158\uc744 \ucc3e\uac8c \ub418\uba74\uc11c \uc7a5\uae30\uc801\uc73c\ub85c UBI \uc194\ub8e8\uc158\uc5d0 \ub300\ud55c \uc218\uc694\uac00 \uc99d\uac00\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.
\n\uc9c1\uc811 \ud310\ub9e4 \ubd80\ubb38\uc740 \uc608\uce21 \uae30\uac04 \ub3d9\uc548 \uac00\uc7a5 \ud070 \uaddc\ubaa8\uac00 \ub420 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.
\n\uc9c1\uc811 \ud310\ub9e4 \ubd80\ubb38\uc740 \uc608\uce21 \uae30\uac04 \ub3d9\uc548 \uc0ac\uc6a9 \uae30\ubc18 \ubcf4\ud5d8(UBI) \uc2dc\uc7a5\uc5d0\uc11c \uac00\uc7a5 \ud070 \uc810\uc720\uc728\uc744 \ucc28\uc9c0\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uc9c1\uc811 \ud310\ub9e4 \ucc44\ub110\uc744 \ud1b5\ud574 \ubcf4\ud5d8\uc0ac\ub294 \uace0\uac1d \uad00\uacc4\ub97c \uc9c1\uc811 \uad00\ub9ac\ud558\uace0 \uac1c\uc778\ud654\ub41c UBI \ud504\ub85c\uadf8\ub7a8\uc744 \uc81c\uacf5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubcf4\ud5d8\uc0ac\ub294 \uc9c1\uc811 \ud310\ub9e4\ub97c \ud1b5\ud574 UBI\uc758 \uc774\uc810\uc744 \ud6a8\uacfc\uc801\uc73c\ub85c \uc804\ub2ec\ud558\uace0, \uace0\uac1d\uc758 \uc6b0\ub824 \uc0ac\ud56d\uc744 \ud574\uacb0\ud558\uba70, \uc6d0\ud65c\ud55c \uc628\ubcf4\ub529 \uacbd\ud5d8\uc744 \uc81c\uacf5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc9c1\uc811 \uc0c1\ud638 \uc791\uc6a9\uc744 \ud1b5\ud574 \uac1c\ubcc4 \uace0\uac1d\uc5d0 \ub9de\uac8c UBI \uc624\ud37c\ub9c1\uc744 \ub9de\ucda4\ud654\ud558\uace0 \uc7a5\uae30\uc801\uc778 \uad00\uacc4\ub97c \uad6c\ucd95\ud560 \uc218 \uc788\uae30 \ub54c\ubb38\uc5d0 \uc9c1\uc811 \ud310\ub9e4 \ubd80\ubb38\uc740 UBI \uc2dc\uc7a5\uc758 \uac00\uc7a5 \ud070 \uae30\uc5ec\uc790\ub85c \uc790\ub9ac\ub9e4\uae40\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.
\n\ud154\ub808\ub9e4\ud2f1\uc2a4 \uc7a5\uce58 \ubd80\ubb38\uc740 \uc608\uce21 \uae30\uac04 \ub3d9\uc548 \uac00\uc7a5 \ub192\uc740 CAGR\uc744 \ubcf4\uc77c \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.
\n\ud154\ub808\ub9e4\ud2f1\uc2a4 \uc7a5\uce58 \ubd80\ubb38\uc740 \uc0ac\uc6a9 \uae30\ubc18 \ubcf4\ud5d8 (UBI) \uc2dc\uc7a5\uc5d0\uc11c \uc608\uce21 \uae30\uac04 \ub3d9\uc548 \uac00\uc7a5 \ub192\uc740 CAGR\uc744 \uacbd\ud5d8\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \ud50c\ub7ec\uadf8\uc778 \uc7a5\uce58 \ubc0f \uc2a4\ub9c8\ud2b8\ud3f0 \uc571\uacfc \uac19\uc740 \ud154\ub808\ub9e4\ud2f1\uc2a4 \uc7a5\uce58\ub294 UBI \ud504\ub85c\uadf8\ub7a8\uc758 \ud575\uc2ec \uc694\uc18c\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc7a5\uce58\ub294 \uc6b4\uc804 \ud589\ub3d9\uc5d0 \ub300\ud55c \uc2e4\uc2dc\uac04 \ub370\uc774\ud130\ub97c \uc218\uc9d1\ud558\uc5ec \uac1c\uc778\ud654\ub41c \uc704\ud5d8 \ud3c9\uac00 \ubc0f \uac00\uaca9 \ucc45\uc815\uc758 \uae30\ucd08\ub97c \ud615\uc131\ud569\ub2c8\ub2e4. \ud154\ub808\ub9e4\ud2f1\uc2a4 \uae30\uae30\uc758 \ube44\uc6a9 \ud558\ub77d\uacfc \uae30\ub2a5 \ud5a5\uc0c1\uc73c\ub85c \uc778\ud574 \ud154\ub808\ub9e4\ud2f1\uc2a4 \uae30\uae30\uc758 \ucc44\ud0dd\uc774 \uc99d\uac00\ud568\uc5d0 \ub530\ub77c \uc774 \ubd80\ubb38\uc758 \uc131\uc7a5\uc774 \uac00\uc18d\ud654\ub420 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \ub354 \ub9ce\uc740 \ubcf4\ud5d8 \uc81c\uacf5\uc5c5\uccb4\uac00 \ud154\ub808\ub9e4\ud2f1\uc2a4 \uae30\ubc18 UBI \ud504\ub85c\uadf8\ub7a8\uc744 \ucc44\ud0dd\ud558\uace0 \uc18c\ube44\uc790\uac00 \uc774\ub7ec\ud55c \ub514\ubc14\uc774\uc2a4 \uc0ac\uc6a9\uc744 \ub354 \ub9ce\uc774 \uc218\uc6a9\ud568\uc5d0 \ub530\ub77c \ud154\ub808\ub9e4\ud2f1\uc2a4 \ub514\ubc14\uc774\uc2a4 \ubd80\ubb38\uc740 UBI \uc2dc\uc7a5\uc5d0\uc11c \uac00\uc7a5 \ub192\uc740 \uc131\uc7a5\ub960\uc744 \ubcf4\uc77c \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.
\n\uc810\uc720\uc728\uc774 \uac00\uc7a5 \ub192\uc740 \uc9c0\uc5ed:
\n\ubd81\ubbf8 \uc9c0\uc5ed, \ud2b9\ud788 \ubbf8\uad6d\uc774 \uc0ac\uc6a9\ub7c9 \uae30\ubc18 \ubcf4\ud5d8(UBI) \uc2dc\uc7a5\uc5d0\uc11c \uac00\uc7a5 \ud070 \uc810\uc720\uc728\uc744 \ucc28\uc9c0\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \ud154\ub808\ub9e4\ud2f1\uc2a4 \ub514\ubc14\uc774\uc2a4\uc758 \ub192\uc740 \ucc44\ud0dd\ub960, \uc131\uc219\ud55c \ubcf4\ud5d8 \uc0b0\uc5c5, \uae30\uc220\uc5d0 \uc815\ud1b5\ud55c \uc18c\ube44\uc790\uce35 \ub4f1 \uc5ec\ub7ec \uc694\uc778\uc774 \uc774\ub7ec\ud55c \uc6b0\uc138\uc5d0 \uae30\uc5ec\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ubd81\ubbf8\uc758 \ubcf4\ud5d8 \uc81c\uacf5\uc5c5\uccb4\ub4e4\uc740 \ucca8\ub2e8 \ud154\ub808\ub9e4\ud2f1\uc2a4 \uae30\uc220\uc744 \ud65c\uc6a9\ud558\uc5ec \uac1c\uc778 \ub9de\ucda4\ud615 \ubcf4\ud5d8 \uc194\ub8e8\uc158\uc744 \uc81c\uacf5\ud558\ub294 UBI \ud504\ub85c\uadf8\ub7a8\uc758 \uc5bc\ub9ac \uc5b4\ub2f5\ud130\uc600\uc2b5\ub2c8\ub2e4. \ubcf4\ud5d8 \ubd80\ubb38\uc758 \ud601\uc2e0\uc744 \uc9c0\uc6d0\ud558\ub294 \uc774 \uc9c0\uc5ed\uc758 \uaddc\uc81c \ud658\uacbd\uc740 UBI \uc2dc\uc7a5\uc758 \uc131\uc7a5\uc744 \ub354\uc6b1 \ucd09\uc9c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.
\n\uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960\uc774 \uac00\uc7a5 \ub192\uc740 \uc9c0\uc5ed:
\n\uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc740 \uc608\uce21 \uae30\uac04 \ub3d9\uc548 \uc0ac\uc6a9 \uae30\ubc18 \ubcf4\ud5d8(UBI) \uc2dc\uc7a5\uc5d0\uc11c \uac00\uc7a5 \ub192\uc740 CAGR\uc744 \ubcf4\uc77c \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ube60\ub978 \uc131\uc7a5\uc740 \ub514\uc9c0\ud138 \uae30\uc220 \ucc44\ud0dd \uc99d\uac00, UBI\uc5d0 \ub300\ud55c \uc18c\ube44\uc790 \uc778\uc2dd \uc0c1\uc2b9, \uc911\uc0b0\uce35 \uc778\uad6c\uc758 \uc99d\uac00 \ub4f1 \uc5ec\ub7ec \uc694\uc778\uc5d0 \uae30\uc778\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc911\uad6d, \uc77c\ubcf8, \uc778\ub3c4\uc640 \uac19\uc740 \uad6d\uac00\uc5d0\uc11c\ub294 \ucc28\ub7c9 \uc18c\uc720\uac00 \ud06c\uac8c \uc99d\uac00\ud558\uc5ec UBI \ud504\ub85c\uadf8\ub7a8\uc5d0 \ub300\ud55c \uc0c1\ub2f9\ud55c \uc2dc\uc7a5 \uae30\ud68c\uac00 \ucc3d\ucd9c\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \ub3c4\ub85c \uc548\uc804\uc744 \uc99d\uc9c4\ud558\ub294 \uc815\ubd80 \uc774\ub2c8\uc154\ud2f0\ube0c\uc640 \ucee4\ub125\ud2f0\ub4dc \ucc28\ub7c9\uc758 \ucc44\ud0dd\uc740 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc5d0\uc11c UBI \uc2dc\uc7a5\uc758 \ub192\uc740 \uc131\uc7a5 \uc7a0\uc7ac\ub825\uc5d0 \ub354\uc6b1 \uae30\uc5ec\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc8fc\uc694 \uac1c\ubc1c \uc0ac\ud56d:
\n2023\ub144 11\uc6d4, \uae30\uc5c5\uc6a9 \ud604\ub300\uc2dd \ubcf4\ud5d8 \ud50c\ub7ab\ud3fc\uc778 Oyster\ub294 \uc0c8\ub85c\uc6b4 \ub80c\ud0c8 \ubcf4\ud5d8 \uc0c1\ud488\uc744 \ucd9c\uc2dc\ud588\uc2b5\ub2c8\ub2e4. \uc774 \ud68d\uae30\uc801\uc778 \uc0c1\ud488\uc740 \ubbf8\uad6d \ucd5c\ucd08\ub85c \uc0ac\uc6a9\ub7c9 \uae30\ubc18 \ub80c\ud0c8 \ubcf4\ud5d8 \ud504\ub85c\uadf8\ub7a8\uc744 \ub3c4\uc785\ud558\uc5ec \ub80c\ud0c8 \uc0c1\uc810\uacfc \ub9c8\ucf13\ud50c\ub808\uc774\uc2a4\ub97c \uc704\ud55c Oyster\uc758 \ucca8\ub2e8 \ud50c\ub7ab\ud3fc\uc744 \ud1b5\ud574 \ub80c\ud0c8 \uc790\uc804\uac70, \uc804\uae30 \uc790\uc804\uac70, \uce74\uc57d, \ud328\ub4e4\ubcf4\ub4dc\uc5d0 \ub300\ud55c \ub3c4\ub09c \ubc0f \ud30c\uc190 \ubcf4\uc7a5\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.
\n2023\ub144 8\uc6d4, \uc2dc\ud2b8\ub85c\uc5e5 \uc778\ub3c4\ub294 ICICI \ub86c\ubc14\ub974\ub4dc \uc885\ud569\ubcf4\ud5d8\uacfc \ud611\ub825\ud558\uc5ec eC3 \uace0\uac1d\uc744 \uc704\ud55c \ud601\uc2e0\uc801\uc778 \uc0ac\uc6a9\ub7c9 \uae30\ubc18 \ubcf4\ud5d8(UBI) \ud504\ub85c\uadf8\ub7a8\uc744 \ucd9c\uc2dc\ud588\uc2b5\ub2c8\ub2e4. \uc774 \uc774\ub2c8\uc154\ud2f0\ube0c\ub294 \uace0\uac1d\uc774 \ub354 \uc548\uc804\ud55c \uc6b4\uc804 \uc2b5\uad00\uc744 \uac16\ub3c4\ub85d \uc7a5\ub824\ud558\uace0 \ubcf4\ud5d8\ub8cc \uc778\ud558\ub85c \ubcf4\uc0c1\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.
\n2022\ub144 11\uc6d4, \ub514\uc9c0\ud138 \ubcf4\ud5d8 \uc804\ubb38 \ud68c\uc0ac\uc778 OPES\ub294 IMS\uc640 \uc81c\ud734\ud558\uc5ec \ubca0\ud2b8\ub0a8\uc5d0 \uc571 \uae30\ubc18 \ud154\ub808\ub9e4\ud2f1\uc2a4 \ubcf4\ud5d8 \uc194\ub8e8\uc158\uc778 O-Car\ub97c \ucd9c\uc2dc\ud588\uc2b5\ub2c8\ub2e4. O-Car\ub294 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud55c \ucc28\ub7c9\uc744 \uc815\ud655\ud558\uac8c \uc2dd\ubcc4\ud558\uae30 \uc704\ud574 IMS One \uc571 SDK\uc640 \ub3c5\uc790\uc801\uc778 \uae30\uc220\uc778 IMS \uc6e8\uc9c0\ub97c \ud65c\uc6a9\ud569\ub2c8\ub2e4. \uc624\ud398\uc2a4\ub294 \uc774 \ubaa8\ubc14\uc77c \uc560\ud50c\ub9ac\ucf00\uc774\uc158\uc744 \ud1b5\ud574 \ubca0\ud2b8\ub0a8\uc758 300\ub9cc \uc790\ub3d9\ucc28 \uc6b4\uc804\uc790\ub97c \uacf5\ub7b5\ud558\ub294 \uac83\uc744 \ubaa9\ud45c\ub85c \ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.
\n\ubcf4\uc7a5 \uc720\ud615
\n– \ud558\ub4dc\uc6e8\uc5b4
\n– \uc885\ub7c9\uc81c(PAYD)
\n– \uc885\ub7c9\uc81c(PHYD)
\n– \uad00\ub9ac\ud615 \uc6b4\uc804 \ubc29\uc2dd(MHYD)
\n\ubcf4\uc7a5\ub418\ub294 \ucc28\ub7c9 \uc720\ud615
\n– \uc2b9\uc6a9\ucc28
\n– \uc0c1\uc6a9 \ucc28\ub7c9
\n– \uc774\ub95c\ucc28
\n– \uae30\ud0c0 \ucc28\ub7c9 \uc720\ud615
\n\ubcf4\uc7a5\ub418\ub294 \ucc28\ub7c9 \uc5f0\ub839:
\n– \uc2e0\uaddc \ucc28\ub7c9
\n– \uc624\ub798\ub41c \ucc28\ub7c9
\n\uc9c0\uc6d0 \uae30\uc220
\n– OBD-II \ub3d9\uae00
\n– \uc2a4\ub9c8\ud2b8\ud3f0 \uc571
\n– \ud154\ub808\ub9e4\ud2f1\uc2a4 \uc7a5\uce58
\n– \uae30\ud0c0 \uae30\uc220
\n\uc9c0\uc6d0\ub418\ub294 \uc720\ud1b5 \ucc44\ub110
\n– \uc9c1\uc811 \ud310\ub9e4
\n– \ub3c5\ub9bd \uc5d0\uc774\uc804\ud2b8 \ubc0f \ube0c\ub85c\ucee4
\n– \uc784\ubca0\ub514\ub4dc \ubcf4\ud5d8
\n\uc9c0\uc6d0 \uc9c0\uc5ed
\n– \ubd81\ubbf8
\no \ubbf8\uad6d
\no \uce90\ub098\ub2e4
\no \uba55\uc2dc\ucf54
\n– \uc720\ub7fd
\no \ub3c5\uc77c
\no \uc601\uad6d
\no \uc774\ud0c8\ub9ac\uc544
\no \ud504\ub791\uc2a4
\no \uc2a4\ud398\uc778
\no \uae30\ud0c0 \uc720\ub7fd
\n– \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591
\no \uc77c\ubcf8
\no \uc911\uad6d
\no \uc778\ub3c4
\no \ud638\uc8fc
\no \ub274\uc9c8\ub79c\ub4dc
\no \ub300\ud55c\ubbfc\uad6d
\no \uae30\ud0c0 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed
\n– \ub0a8\ubbf8
\no \uc544\ub974\ud5e8\ud2f0\ub098
\no \ube0c\ub77c\uc9c8
\no \uce60\ub808
\no \uae30\ud0c0 \ub0a8\ubbf8
\n– \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74
\no \uc0ac\uc6b0\ub514 \uc544\ub77c\ube44\uc544
\no \uc544\ub78d\uc5d0\ubbf8\ub9ac\ud2b8
\no \uce74\ud0c0\ub974
\no \ub0a8\uc544\ud504\ub9ac\uce74 \uacf5\ud654\uad6d
\no \uae30\ud0c0 \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74
\n\ubcf4\uace0\uc11c\uc758 \uc8fc\uc694 \ub0b4\uc6a9
\n– \uc9c0\uc5ed \ubc0f \uad6d\uac00\ubcc4 \uc138\uadf8\uba3c\ud2b8\uc5d0 \ub300\ud55c \uc2dc\uc7a5 \uc810\uc720\uc728 \ud3c9\uac00
\n– \uc2e0\uaddc \uc9c4\uc785\uc790\ub97c \uc704\ud55c \uc804\ub7b5\uc801 \uad8c\uc7a5 \uc0ac\ud56d
\n– 2021\ub144, 2022\ub144, 2023\ub144, 2026\ub144, 2030\ub144\uc758 \uc2dc\uc7a5 \ub370\uc774\ud130\ub97c \ub2e4\ub8f9\ub2c8\ub2e4.
\n– \uc2dc\uc7a5 \ub3d9\ud5a5 (\ub3d9\uc778, \uc81c\uc57d, \uae30\ud68c, \uc704\ud611, \uacfc\uc81c, \ud22c\uc790 \uae30\ud68c \ubc0f \uad8c\uc7a5 \uc0ac\ud56d)
\n– \uc2dc\uc7a5 \ucd94\uc815\uce58\ub97c \uae30\ubc18\uc73c\ub85c \ud55c \uc8fc\uc694 \ube44\uc988\ub2c8\uc2a4 \ubd80\ubb38\uc758 \uc804\ub7b5\uc801 \uad8c\uc7a5 \uc0ac\ud56d
\n– \uc8fc\uc694 \uacf5\ud1b5 \ud2b8\ub80c\ub4dc\ub97c \ub9e4\ud551\ud558\ub294 \uacbd\uc7c1 \uc870\uacbd \ub9e4\ud551
\n– \uc0c1\uc138\ud55c \uc804\ub7b5, \uc7ac\ubb34 \ubc0f \ucd5c\uadfc \uac1c\ubc1c \uc0ac\ud56d\uc744 \ud3ec\ud568\ud55c \ud68c\uc0ac \ud504\ub85c\ud30c\uc77c\ub9c1
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