{"id":32211,"date":"2026-02-09T03:30:52","date_gmt":"2026-02-09T03:30:52","guid":{"rendered":"https:\/\/www.globalresearch.co.kr\/insight\/car-loan-market-mordor\/"},"modified":"2026-09-11T20:48:29","modified_gmt":"2026-09-11T11:48:29","slug":"car-loan-market-mordor","status":"publish","type":"post","link":"https:\/\/www.globalresearch.co.kr\/insight\/car-loan-market-mordor\/","title":{"rendered":"\uc138\uacc4\uc758 \uc790\ub3d9\ucc28 \ub300\ucd9c \uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc810\uc720\uc728 \ubd84\uc11d: \uc131\uc7a5 \ub3d9\ud5a5 \ubc0f \uc804\ub9dd (2026-2031)"},"content":{"rendered":"<p><img decoding=\"async\" src=\"https:\/\/www.globalresearch.co.kr\/insight\/wp-content\/uploads\/2026\/02\/car-loan-market-1751612547334-major-players.webp\" alt=\"Chart\" class=\"aligncenter size-full\" \/><\/p>\n<p><img decoding=\"async\" src=\"https:\/\/www.globalresearch.co.kr\/insight\/wp-content\/uploads\/2026\/02\/car-loan-market-size-image-1768488701800.webp\" alt=\"Chart\" class=\"aligncenter size-full\" \/><\/p>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-0\">1. \uc11c\ub860<\/p>\n<ul>\n<li class=\"toc-level-2\">1.1 \uc5f0\uad6c \uac00\uc815 \ubc0f \uc2dc\uc7a5 \uc815\uc758<\/li>\n<li class=\"toc-level-2\">1.2 \uc5f0\uad6c \ubc94\uc704<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-1\">2. \uc5f0\uad6c \ubc29\ubc95\ub860<\/p>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-2\">3. \uc694\uc57d<\/p>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-3\">4. \uc2dc\uc7a5 \ud658\uacbd<\/p>\n<ul>\n<li class=\"toc-level-2\">4.1 \uc2dc\uc7a5 \uac1c\uc694<\/li>\n<li class=\"toc-level-2\">4.2 \uc2dc\uc7a5 \ub3d9\uc778\n<ul>\n<li class=\"toc-level-3\">4.2.1 \uc2e0\ud765 \uc2dc\uc7a5\uc5d0\uc11c \uace0\uae09 \ucc28\ub7c9 \uc218\uc694 \uc99d\uac00<\/li>\n<li class=\"toc-level-3\">4.2.2 \uc790\ub3d9\ucc28 \uc81c\uc870\uc5c5\uccb4\uc758 \uc804\uc18d \uae08\uc735 \ubd80\ubb38 \ud655\uc7a5<\/li>\n<li class=\"toc-level-3\">4.2.3 \uc628\ub77c\uc778 \uc911\uace0\ucc28 \ud50c\ub7ab\ud3fc \uce68\ud22c \uc99d\uac00<\/li>\n<li class=\"toc-level-3\">4.2.4 \ud540\ud14c\ud06c API\ub97c \ud1b5\ud55c \ub514\uc9c0\ud138 \ub300\ucd9c \ubc0f \uc989\uc2dc \uc2b9\uc778<\/li>\n<li class=\"toc-level-3\">4.2.5 \ubc88\ub4e4 \uae08\uc735\uc744 \ucd09\uc9c4\ud558\ub294 \uad6c\ub3c5 \uae30\ubc18 \uc18c\uc720 \ubaa8\ub378 (\uacfc\uc18c \ubcf4\uace0\ub428)<\/li>\n<li class=\"toc-level-3\">4.2.6 EV \uad6c\ub9e4\uc5d0 \ub300\ud55c \ud0c4\uc18c \ubc30\ucd9c\uad8c \uc5f0\uacc4 \uc774\uc790 \ud658\uae09 (\uacfc\uc18c \ubcf4\uace0\ub428)<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">4.3 \uc2dc\uc7a5 \uc81c\uc57d\n<ul>\n<li class=\"toc-level-3\">4.3.1 \uae08\ub9ac \uc778\uc0c1 \ubc0f \ud1b5\ud654 \uc815\ucc45 \uac15\ud654<\/li>\n<li class=\"toc-level-3\">4.3.2 \ube44\uc6b0\ub7c9 \ub300\ucd9c\uc790\uc758 \ub192\uc740 \uc5f0\uccb4 \uc704\ud5d8<\/li>\n<li class=\"toc-level-3\">4.3.3 \ucc28\ub7c9 \uad6c\ub9e4\ub97c \uac10\uc18c\uc2dc\ud0a4\ub294 \uacf5\uc720 \ubaa8\ube4c\ub9ac\ud2f0 \ud655\uc0b0 (\uacfc\uc18c \ubcf4\uace0\ub428)<\/li>\n<li class=\"toc-level-3\">4.3.4 \uc8fc\uc694 \uc2dc\uc7a5\uc5d0\uc11c \ubd80\ucc44-\uc18c\ub4dd \ube44\uc728 \uc0c1\ud55c\uc120 \uac15\ud654 (\uacfc\uc18c \ubcf4\uace0\ub428)<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">4.4 \uac00\uce58 \/ \uacf5\uae09\ub9dd \ubd84\uc11d<\/li>\n<li class=\"toc-level-2\">4.5 \uaddc\uc81c \ud658\uacbd<\/li>\n<li class=\"toc-level-2\">4.6 \uae30\uc220 \uc804\ub9dd<\/li>\n<li class=\"toc-level-2\">4.7 \ud3ec\ud130\uc758 5\uac00\uc9c0 \uacbd\uc7c1 \uc694\uc778\n<ul>\n<li class=\"toc-level-3\">4.7.1 \uad6c\ub9e4\uc790\uc758 \uad50\uc12d\ub825<\/li>\n<li class=\"toc-level-3\">4.7.2 \uacf5\uae09\uc790\uc758 \uad50\uc12d\ub825<\/li>\n<li class=\"toc-level-3\">4.7.3 \uc2e0\uaddc \uc9c4\uc785\uc790\uc758 \uc704\ud611<\/li>\n<li class=\"toc-level-3\">4.7.4 \ub300\uccb4\uc7ac\uc758 \uc704\ud611<\/li>\n<li class=\"toc-level-3\">4.7.5 \uacbd\uc7c1 \uac15\ub3c4<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-4\">5. \uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc131\uc7a5 \uc608\uce21 (\uac00\uce58)<\/p>\n<ul>\n<li class=\"toc-level-2\">5.1 \ucc28\ub7c9 \uc720\ud615\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.1.1 \uc2b9\uc6a9\ucc28<\/li>\n<li class=\"toc-level-3\">5.1.2 \uc0c1\uc6a9\ucc28<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.2 \uc18c\uc720\uad8c\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.2.1 \uc2e0\ucc28<\/li>\n<li class=\"toc-level-3\">5.2.2 \uc911\uace0\ucc28<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.3 \uc81c\uacf5\uc5c5\uccb4 \uc720\ud615\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.3.1 \uc740\ud589<\/li>\n<li class=\"toc-level-3\">5.3.2 \ube44\uc740\ud589 \uae08\uc735\uae30\uad00<\/li>\n<li class=\"toc-level-3\">5.3.3 \uc644\uc131\ucc28 \uc81c\uc870\uc5c5\uccb4<\/li>\n<li class=\"toc-level-3\">5.3.4 \uae30\ud0c0 \uc81c\uacf5\uc5c5\uccb4 \uc720\ud615 (\ud540\ud14c\ud06c \uae30\uc5c5)<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.4 \uae30\uac04\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.4.1 3\ub144 \ubbf8\ub9cc<\/li>\n<li class=\"toc-level-3\">5.4.2 3-5\ub144<\/li>\n<li class=\"toc-level-3\">5.4.3 5\ub144 \ucd08\uacfc<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.5 \uc9c0\uc5ed\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.5.1 \ubd81\ubbf8\n<ul>\n<li class=\"toc-level-4\">5.5.1.1 \ubbf8\uad6d<\/li>\n<li class=\"toc-level-4\">5.5.1.2 \uce90\ub098\ub2e4<\/li>\n<li class=\"toc-level-4\">5.5.1.3 \uba55\uc2dc\ucf54<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-3\">5.5.2 \ub0a8\ubbf8\n<ul>\n<li class=\"toc-level-4\">5.5.2.1 \ube0c\ub77c\uc9c8<\/li>\n<li class=\"toc-level-4\">5.5.2.2 \uc544\ub974\ud5e8\ud2f0\ub098<\/li>\n<li class=\"toc-level-4\">5.5.2.3 \uce60\ub808<\/li>\n<li class=\"toc-level-4\">5.5.2.4 \ucf5c\ub86c\ube44\uc544<\/li>\n<li class=\"toc-level-4\">5.5.2.5 \ub0a8\ubbf8 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-3\">5.5.3 \uc720\ub7fd\n<ul>\n<li class=\"toc-level-4\">5.5.3.1 \uc601\uad6d<\/li>\n<li class=\"toc-level-4\">5.5.3.2 \ub3c5\uc77c<\/li>\n<li class=\"toc-level-4\">5.5.3.3 \ud504\ub791\uc2a4<\/li>\n<li class=\"toc-level-4\">5.5.3.4 \uc2a4\ud398\uc778<\/li>\n<li class=\"toc-level-4\">5.5.3.5 \uc774\ud0c8\ub9ac\uc544<\/li>\n<li class=\"toc-level-4\">5.5.3.6 \ubca0\ub124\ub8e9\uc2a4 (\ubca8\uae30\uc5d0, \ub124\ub35c\ub780\ub4dc, \ub8e9\uc148\ubd80\ub974\ud06c)<\/li>\n<li class=\"toc-level-4\">5.5.3.7 \ubd81\uc720\ub7fd (\uc2a4\uc6e8\ub374, \ub178\ub974\uc6e8\uc774, \ub374\ub9c8\ud06c, \ud540\ub780\ub4dc, \uc544\uc774\uc2ac\ub780\ub4dc)<\/li>\n<li class=\"toc-level-4\">5.5.3.8 \uc720\ub7fd \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-3\">5.5.4 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591\n<ul>\n<li class=\"toc-level-4\">5.5.4.1 \uc911\uad6d<\/li>\n<li class=\"toc-level-4\">5.5.4.2 \uc778\ub3c4<\/li>\n<li class=\"toc-level-4\">5.5.4.3 \uc77c\ubcf8<\/li>\n<li class=\"toc-level-4\">5.5.4.4 \ub300\ud55c\ubbfc\uad6d<\/li>\n<li class=\"toc-level-4\">5.5.4.5 \ud638\uc8fc<\/li>\n<li class=\"toc-level-4\">5.5.4.6 \ub3d9\ub0a8\uc544\uc2dc\uc544 (\uc2f1\uac00\ud3ec\ub974, \uc778\ub3c4\ub124\uc2dc\uc544, \ub9d0\ub808\uc774\uc2dc\uc544, \ud0dc\uad6d, \ubca0\ud2b8\ub0a8, \ud544\ub9ac\ud540)<\/li>\n<li class=\"toc-level-4\">5.5.4.7 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-3\">5.5.5 \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74\n<ul>\n<li class=\"toc-level-4\">5.5.5.1 \uc544\ub78d\uc5d0\ubbf8\ub9ac\ud2b8<\/li>\n<li class=\"toc-level-4\">5.5.5.2 \uc0ac\uc6b0\ub514\uc544\ub77c\ube44\uc544<\/li>\n<li class=\"toc-level-4\">5.5.5.3 \ub0a8\uc544\ud504\ub9ac\uce74 \uacf5\ud654\uad6d<\/li>\n<li class=\"toc-level-4\">5.5.5.4 \ub098\uc774\uc9c0\ub9ac\uc544<\/li>\n<li class=\"toc-level-4\">5.5.5.5 \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-5\">6. \uacbd\uc7c1 \ud658\uacbd<\/p>\n<ul>\n<li class=\"toc-level-2\">6.1 \uc2dc\uc7a5 \uc9d1\uc911\ub3c4<\/li>\n<li class=\"toc-level-2\">6.2 \uc804\ub7b5\uc801 \uc6c0\uc9c1\uc784<\/li>\n<li class=\"toc-level-2\">6.3 \uc2dc\uc7a5 \uc810\uc720\uc728 \ubd84\uc11d<\/li>\n<li class=\"toc-level-2\">6.4 \uae30\uc5c5 \ud504\ub85c\ud544 (\uae00\ub85c\ubc8c \uc218\uc900 \uac1c\uc694, \uc2dc\uc7a5 \uc218\uc900 \uac1c\uc694, \ud575\uc2ec \ubd80\ubb38, \uc7ac\ubb34 \uc815\ubcf4(\uc0ac\uc6a9 \uac00\ub2a5\ud55c \uacbd\uc6b0), \uc804\ub7b5 \uc815\ubcf4, \uc8fc\uc694 \uae30\uc5c5\uc758 \uc2dc\uc7a5 \uc21c\uc704\/\uc810\uc720\uc728, \uc81c\ud488 \ubc0f \uc11c\ube44\uc2a4, \ubc0f \ucd5c\uadfc \ub3d9\ud5a5 \ud3ec\ud568)\n<ul>\n<li class=\"toc-level-3\">6.4.1 Toyota Financial Services<\/li>\n<li class=\"toc-level-3\">6.4.2 Ford Credit<\/li>\n<li class=\"toc-level-3\">6.4.3 Ally Financial<\/li>\n<li class=\"toc-level-3\">6.4.4 Chase Auto Finance<\/li>\n<li class=\"toc-level-3\">6.4.5 Wells Fargo Auto<\/li>\n<li class=\"toc-level-3\">6.4.6 Bank of America<\/li>\n<li class=\"toc-level-3\">6.4.7 Capital One Auto Finance<\/li>\n<li class=\"toc-level-3\">6.4.8 Santander Consumer USA<\/li>\n<li class=\"toc-level-3\">6.4.9 BMW Financial Services<\/li>\n<li class=\"toc-level-3\">6.4.10 Honda Financial Services<\/li>\n<li class=\"toc-level-3\">6.4.11 Hyundai Capital Services<\/li>\n<li class=\"toc-level-3\">6.4.12 Nissan Motor Acceptance Corp.<\/li>\n<li class=\"toc-level-3\">6.4.13 GM Financial<\/li>\n<li class=\"toc-level-3\">6.4.14 Volkswagen Financial Services<\/li>\n<li class=\"toc-level-3\">6.4.15 TD Auto Finance<\/li>\n<li class=\"toc-level-3\">6.4.16 Soci\u00e9t\u00e9 G\u00e9n\u00e9rale \u2013 ALD Automotive<\/li>\n<li class=\"toc-level-3\">6.4.17 HSBC Auto Loans<\/li>\n<li class=\"toc-level-3\">6.4.18 Westlake Financial Services<\/li>\n<li class=\"toc-level-3\">6.4.19 Lithia Driveway Finance<\/li>\n<li class=\"toc-level-3\">6.4.20 Carvana Finance (Bridgecrest)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-6\">7. \uc2dc\uc7a5 \uae30\ud68c \ubc0f \ubbf8\ub798 \uc804\ub9dd<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc790\ub3d9\ucc28 \ub300\ucd9c \uc2dc\uc7a5 \uac1c\uc694: \uc131\uc7a5 \ub3d9\ud5a5 \ubc0f 2031\ub144 \uc804\ub9dd<\/p>\n<p>\uae00\ub85c\ubc8c \uc790\ub3d9\ucc28 \ub300\ucd9c \uc2dc\uc7a5\uc740 2025\ub144 1\uc870 5,300\uc5b5 \ub2ec\ub7ec\uc5d0\uc11c 2026\ub144 1\uc870 6,600\uc5b5 \ub2ec\ub7ec\ub85c \uc131\uc7a5\ud558\uc5ec 2031\ub144\uc5d0\ub294 2\uc870 4,900\uc5b5 \ub2ec\ub7ec\uc5d0 \uc774\ub97c \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4. \uc608\uce21 \uae30\uac04(2026-2031\ub144) \ub3d9\uc548 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960(CAGR)\uc740 8.47%\uc5d0 \ub2ec\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc131\uc7a5\uc740 \ub300\ucd9c\uc758 \uae09\uc18d\ud55c \ub514\uc9c0\ud138\ud654, \uc8fc\uc694 \uc2e0\ud765 \uc2dc\uc7a5\uc758 \uaddc\uc81c \uc644\ud654, \uadf8\ub9ac\uace0 \ud3b8\ub9ac\ud558\uace0 \uae30\uc220 \uae30\ubc18\uc758 \uae08\uc735\uc744 \uc120\ud638\ud558\ub294 \uc18c\ube44\uc790 \uc120\ud638\ub3c4 \ubcc0\ud654\uc5d0 \uae30\uc778\ud569\ub2c8\ub2e4. \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc740 \uc911\uad6d\uc758 \uc758\ubb34 \uc120\uc218\uae08 \ud3d0\uc9c0 \ubc0f \uc778\ub3c4\uc758 \uae08\ub9ac \uc0c1\ud55c\uc120 \ucca0\ud3d0\uc640 \uac19\uc740 \uc815\ucc45 \ubcc0\ud654\ub85c \uc778\ud574 \ucc28\uc785 \ube44\uc6a9\uc774 \uc808\uac10\ub418\uba74\uc11c \ud604\uc7ac \uc218\uc694\uc640 \uc131\uc7a5\uc744 \uc8fc\ub3c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc8fc\uc694 \uc2dc\uc7a5 \uc138\ubd84\ud654 \ubc0f \ub3d9\ud5a5:<\/p>\n<p>*   \ucc28\ub7c9 \uc720\ud615\ubcc4: 2025\ub144 \uc2b9\uc6a9\ucc28\uac00 \uc790\ub3d9\ucc28 \ub300\ucd9c \uc2dc\uc7a5\uc758 70.22%\ub97c \ucc28\uc9c0\ud558\uba70 \uc120\ub450\ub97c \uc720\uc9c0\ud588\uc2b5\ub2c8\ub2e4. \ubc18\uba74, \uc0c1\uc6a9\ucc28 \ubd80\ubb38\uc740 2031\ub144\uae4c\uc9c0 9.05%\uc758 CAGR\ub85c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\uc5b4 \uc2b9\uc6a9\ucc28\ubcf4\ub2e4 \ube60\ub978 \uc131\uc7a5\uc138\ub97c \ubcf4\uc77c \uac83\uc785\ub2c8\ub2e4. \uc774\ub294 \ucc28\ub7c9 \uc804\ub3d9\ud654 \uc758\ubb34\ud654\uc640 \ub77c\uc2a4\ud2b8\ub9c8\uc77c \ubb3c\ub958 \uc218\uc694 \uc99d\uac00\uc5d0 \ub530\ub978 \uac83\uc785\ub2c8\ub2e4.<br \/>\n*   \uc18c\uc720 \uc720\ud615\ubcc4: 2025\ub144 \uc2e0\ucc28 \ub300\ucd9c\uc774 60.37%\uc758 \uc810\uc720\uc728\uc744 \uae30\ub85d\ud588\uc73c\ub098, \uc911\uace0\ucc28 \ub300\ucd9c\uc740 2031\ub144\uae4c\uc9c0 10.03%\uc758 CAGR\ub85c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4. \uc628\ub77c\uc778 \ud50c\ub7ab\ud3fc\uc744 \ud1b5\ud55c \ud22c\uba85\uc131 \uc99d\ub300\uc640 \uc7ac\uc815\ube44 \ud45c\uc900 \uac1c\uc120\uc774 \uc911\uace0\ucc28 \uc2dc\uc7a5\uc758 \uc2e0\ub8b0\ub3c4\ub97c \ub192\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc81c\uacf5\uc790 \uc720\ud615\ubcc4: 2025\ub144 \uc740\ud589\uc774 46.41%\uc758 \uc810\uc720\uc728\ub85c \uac00\uc7a5 \ud070 \ube44\uc911\uc744 \ucc28\uc9c0\ud588\uc9c0\ub9cc, \ud540\ud14c\ud06c \uc81c\uacf5\uc5c5\uccb4\ub294 14.12%\uc758 \uac00\uc7a5 \ub192\uc740 CAGR\uc744 \uae30\ub85d\ud558\uba70 \uae09\uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \ud540\ud14c\ud06c\ub294 API \uae30\ubc18\uc758 \ub300\ucd9c \uc2e4\ud589 \ubc0f \uc790\ub3d9\ud654\ub41c \ub9ac\uc2a4\ud06c \ubaa8\ub378\uc744 \ud1b5\ud574 \uc2dc\uc7a5\uc744 \ud601\uc2e0\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \ub300\ucd9c \uae30\uac04\ubcc4: 2025\ub144 3~5\ub144 \ub300\ucd9c\uc774 51.99%\uc758 \uc810\uc720\uc728\ub85c \uac00\uc7a5 \ub9ce\uc558\uc73c\ub098, 5\ub144 \ucd08\uacfc \ub300\ucd9c\uc740 10.18%\uc758 CAGR\ub85c \uc131\uc7a5\ud558\uba70 \ub192\uc740 \uae08\ub9ac\uc640 \ucc28\ub7c9 \uac00\uaca9 \ubd80\ub2f4\uc744 \uc0c1\uc1c4\ud558\ub824\ub294 \uc18c\ube44\uc790\ub4e4\uc758 \uacbd\ud5a5\uc744 \ubc18\uc601\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc9c0\uc5ed\ubcc4: \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc740 2025\ub144 \uc2dc\uc7a5 \uc810\uc720\uc728 34.25%\ub85c \uac00\uc7a5 \ud070 \uc2dc\uc7a5\uc774\uba70, 2031\ub144\uae4c\uc9c0 9.74%\uc758 CAGR\ub85c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uce21\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5 \uc131\uc7a5 \ub3d9\uc778 (Drivers):<\/p>\n<p>1.  \uc2e0\ud765 \uc2dc\uc7a5\uc758 \ub7ed\uc154\ub9ac \ucc28\ub7c9 \uc218\uc694 \uc99d\uac00: \uc911\uad6d\uacfc \uc778\ub3c4\uc758 \uac00\ucc98\ubd84 \uc18c\ub4dd \uc99d\uac00\uac00 \ud504\ub9ac\ubbf8\uc5c4 \ucc28\ub7c9\uc5d0 \ub300\ud55c \uc811\uadfc\uc131\uc744 \ub192\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uc911\uad6d\uc758 \uac1c\uc778 \uc790\ub3d9\ucc28 \ub300\ucd9c \uc120\uc218\uae08 \uc758\ubb34 \ud3d0\uc9c0\ub294 \uace0\uac00 \ucc28\ub7c9 \uad6c\ub9e4\ub97c \ucd09\uc9c4\ud558\uba70, \uc790\ub3d9\ucc28 \uc81c\uc870\uc0ac\ub4e4\uc740 \ub7ed\uc154\ub9ac \uad6c\ub9e4\uc790\ub97c \uc704\ud55c \ub9de\ucda4\ud615 \uae08\uc735 \uc0c1\ud488\uc744 \uc81c\uacf5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n2.  \uc790\ub3d9\ucc28 \uc81c\uc870\uc0ac \uc790\uccb4 \ud560\ubd80 \uae08\uc735 \ud655\ub300: Ford Credit\uacfc \uac19\uc740 \uc81c\uc870\uc0ac \uae08\uc735 \uc790\ud68c\uc0ac\ub4e4\uc740 \uc794\uc874 \uac00\uce58 \ub370\uc774\ud130 \ubc0f \uc720\uc9c0\ubcf4\uc218 \ud1b5\ucc30\ub825\uc5d0 \ub300\ud55c \ud1b5\uc81c\ub97c \ud1b5\ud574 \ub3c5\ub9bd \uc740\ud589\ubcf4\ub2e4 \ub354 \uc815\ud655\ud558\uac8c \ub300\ucd9c \uac00\uaca9\uc744 \ucc45\uc815\ud569\ub2c8\ub2e4. \ubcf4\ud5d8, \uc18c\ud504\ud2b8\uc6e8\uc5b4, \uc11c\ube44\uc2a4 \uacc4\uc57d\uc744 \uacb0\ud569\ud55c \ubc88\ub4e4 \uc0c1\ud488\uc740 \uacbd\uc7c1 \uc6b0\uc704\ub97c \uc81c\uacf5\ud558\uba70 \uace0\uac1d \ucda9\uc131\ub3c4\ub97c \ub192\uc785\ub2c8\ub2e4.<br \/>\n3.  \uc628\ub77c\uc778 \uc911\uace0\ucc28 \ud50c\ub7ab\ud3fc\uc758 \ud655\uc0b0: Carvana\uc640 \uac19\uc740 \uc628\ub77c\uc778 \ud50c\ub7ab\ud3fc\uc740 \uc2e0\uc6a9, \ucc28\ub7c9 \uc120\ud0dd, \ubc30\uc1a1\uc744 \ub2e8\uc77c \uc0ac\uc6a9\uc790 \uacbd\ud5d8\uc73c\ub85c \ud1b5\ud569\ud558\uc5ec 2024\ub144 136\uc5b5 7\ucc9c\ub9cc \ub2ec\ub7ec\uc758 \ub9e4\ucd9c\uc744 \uae30\ub85d\ud588\uc2b5\ub2c8\ub2e4. \uc54c\uace0\ub9ac\uc998 \uae30\ubc18 \uac00\uaca9 \ucc45\uc815 \ubc0f \uc989\uac01\uc801\uc778 \uc2e0\uc6a9 \uacb0\uc815\uc740 \ub51c\ub7ec \ub9c8\uc9c4\uc744 \uc81c\uac70\ud558\uc5ec \ud22c\uba85\uc131\uc744 \uc911\uc2dc\ud558\ub294 \uc80a\uc740 \ucc28\uc785\uc790\ub4e4\uc744 \uc720\uc778\ud569\ub2c8\ub2e4.<br \/>\n4.  \ud540\ud14c\ud06c API\ub97c \ud1b5\ud55c \ub514\uc9c0\ud138 \ub300\ucd9c \ubc0f \uc989\uc2dc \uc2b9\uc778: NXTsoft\uc640 Upstart\uc640 \uac19\uc740 \ud30c\ud2b8\ub108\uc2ed\uc740 \uc740\ud589\uacfc \uc2e0\uc6a9 \uc870\ud569\uc744 AI \uae30\ubc18 \uc2ec\uc0ac \uc5d4\uc9c4\uc5d0 \uc5f0\uacb0\ud558\uc5ec \uc218\ub3d9 \uac80\ud1a0\ub97c 70% \uc774\uc0c1 \uc904\uc785\ub2c8\ub2e4. \ucc28\uc785\uc790\ub294 \uba87 \ubd84 \uc548\uc5d0 \uc2b9\uc778\uc744 \ubc1b\uace0, \uae08\uc735 \uae30\uad00\uc740 \ub300\ucd9c \ucc98\ub9ac \ube44\uc6a9\uc744 \uc808\uac10\ud569\ub2c8\ub2e4. \ubd81\ubbf8\uc640 \uc911\uad6d\uc744 \uc911\uc2ec\uc73c\ub85c \uc804 \uc138\uacc4\uc801\uc73c\ub85c \ucc44\ud0dd\uc774 \uac00\uc18d\ud654\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n5.  \uad6c\ub3c5 \uae30\ubc18 \uc18c\uc720 \ubaa8\ub378 \ubc0f EV \uad6c\ub9e4 \uc778\uc13c\ud2f0\ube0c: \uad6c\ub3c5 \uae30\ubc18 \uc18c\uc720 \ubaa8\ub378\uacfc EV \uad6c\ub9e4\uc5d0 \ub300\ud55c \ud0c4\uc18c \ubc30\ucd9c\uad8c \uc5f0\uacc4 \uc774\uc790 \ud560\uc778 \ub4f1 \ud601\uc2e0\uc801\uc778 \uae08\uc735 \uc0c1\ud488\uc774 \uc720\ub7fd\uacfc \ubd81\ubbf8\ub97c \uc911\uc2ec\uc73c\ub85c \ud655\uc0b0\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5 \uc81c\uc57d \uc694\uc778 (Restraints):<\/p>\n<p>1.  \uae08\ub9ac \uc778\uc0c1 \ubc0f \ud1b5\ud654 \uae34\ucd95 \uc815\ucc45: \ub192\uc740 \uc815\ucc45 \uae08\ub9ac\ub294 \uc790\ub3d9\ucc28 \ub300\ucd9c \uae08\ub9ac\ub97c \uc218\uc2ed \ub144 \ub9cc\uc5d0 \ucd5c\uace0 \uc218\uc900\uc73c\ub85c \ub04c\uc5b4\uc62c\ub838\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uc18c\ube44\uc790\ub4e4\ub85c \ud558\uc5ec\uae08 \uc6d4\ubcc4 \uc608\uc0b0\uc744 \ubcf4\ud638\ud558\uae30 \uc704\ud574 \ub300\ucd9c \uae30\uac04\uc744 \uc5f0\uc7a5\ud558\uac8c \ub9cc\ub4e4\uace0, \ub300\ucd9c \uae30\uad00\uc740 \uc790\uae08 \uc870\ub2ec \ube44\uc6a9 \uc99d\uac00\ub85c \ub9c8\uc9c4 \uc555\ubc15\uc5d0 \uc9c1\uba74\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n2.  \uc11c\ube0c\ud504\ub77c\uc784 \ub300\ucd9c\uc790\uc758 \ub192\uc740 \uc5f0\uccb4 \uc704\ud5d8: 2024\ub144 \ub0b4\ub0b4 \ucd5c\uc800 \uc2e0\uc6a9 \ub4f1\uae09\uc758 \uc5f0\uccb4\uc728\uc774 \uc0c1\uc2b9\ud558\uc5ec \uc2ec\uc0ac \uae30\uc900 \uac15\ud654\uc640 \uc190\uc2e4 \ucda9\ub2f9\uae08 \uc99d\uac00\ub97c \ucd08\ub798\ud588\uc2b5\ub2c8\ub2e4. \uaddc\uc81c \ub2f9\uad6d\uc740 \uc740\ud589\uc5d0 \uc0c8\ub85c\uc6b4 \uc9c0\uc815\ud559\uc801 \ubc0f \uae30\ud6c4 \uad00\ub828 \uc704\ud5d8\uc744 \ud3ec\ucc29\ud558\uae30 \uc704\ud55c IFRS 9 \ubaa8\ub378 \uac15\ud654\ub97c \uad8c\uace0\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n3.  \uacf5\uc720 \ubaa8\ube4c\ub9ac\ud2f0 \ud655\uc0b0 \ubc0f DTI \uaddc\uc81c \uac15\ud654: \uacf5\uc720 \ubaa8\ube4c\ub9ac\ud2f0 \uc11c\ube44\uc2a4\uc758 \ud655\uc0b0\uc740 \ucc28\ub7c9 \uad6c\ub9e4\ub97c \uc904\uc774\ub294 \uc694\uc778\uc73c\ub85c \uc791\uc6a9\ud558\uba70, \uc8fc\uc694 \uc2dc\uc7a5\uc5d0\uc11c\uc758 \uc5c4\uaca9\ud55c \ubd80\ucc44-\uc18c\ub4dd(DTI) \ud55c\ub3c4 \uaddc\uc81c \ub610\ud55c \ub300\ucd9c \uc2dc\uc7a5 \uc131\uc7a5\uc744 \uc81c\uc57d\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc9c0\uc5ed\ubcc4 \uc2dc\uc7a5 \ubd84\uc11d:<\/p>\n<p>*   \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591: 2025\ub144 \uc790\ub3d9\ucc28 \ub300\ucd9c \uc2dc\uc7a5\uc758 34.25%\ub97c \ucc28\uc9c0\ud558\uba70 \uac00\uc7a5 \ud070 \uc2dc\uc7a5\uc774\uc790 \uac00\uc7a5 \ube60\ub978 \uc131\uc7a5\ub960(9.74% CAGR)\uc744 \ubcf4\uc785\ub2c8\ub2e4. \uc911\uad6d\uc758 \uc120\uc218\uae08 \uaddc\uc81c \ud3d0\uc9c0, \uc778\ub3c4\uc758 \ubcc0\ub3d9\uae08\ub9ac \ub300\ucd9c \uc555\ub958 \uc218\uc218\ub8cc \uae08\uc9c0 \ub4f1 \uc815\ucc45\uc801 \ubcc0\ud654\uac00 \uc2dc\uc7a5 \uc131\uc7a5\uc744 \uacac\uc778\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc911\uc0b0\uce35\uc758 \uc790\ub3d9\ucc28 \uc18c\uc720 \uc99d\uac00, EV \ubcf4\uae09 \ud655\ub300, \ud540\ud14c\ud06c \ub3c4\uc785 \ud655\uc0b0\ub3c4 \uc8fc\uc694 \uc694\uc778\uc785\ub2c8\ub2e4.<br \/>\n*   \ubd81\ubbf8: \uc131\uc219\ud588\uc9c0\ub9cc \ud601\uc2e0\uc801\uc778 \uc2dc\uc7a5\uc785\ub2c8\ub2e4. \uc815\uad50\ud55c \uc2e0\uc6a9 \ud3c9\uac00 \uc2dc\uc2a4\ud15c\uc740 \uc138\ubd84\ud654\ub41c \ub9ac\uc2a4\ud06c \uae30\ubc18 \uac00\uaca9 \ucc45\uc815\uc744 \uac00\ub2a5\ud558\uac8c \ud558\uba70, Ford Credit\uacfc \uac19\uc740 \uae30\uc5c5\uc740 \uaddc\ubaa8\ub97c \ud65c\uc6a9\ud558\uc5ec \ub300\uaddc\ubaa8 \ucc44\uad8c\uc744 \uad00\ub9ac\ud569\ub2c8\ub2e4. EV \uc778\uc13c\ud2f0\ube0c\uc640 Ally Financial\uacfc \uac19\uc740 \ub514\uc9c0\ud138 \uc6b0\uc120 \uc740\ud589\ub4e4\uc774 \uacbd\uc7c1\uc801\uc778 \uac00\uaca9\uacfc \ub2e4\uc591\ud55c \uc0c1\ud488\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<br \/>\n*   \uc720\ub7fd: \uc18c\ube44\uc790 \ubcf4\ud638 \ubc0f \uad6d\uacbd \uac04 \uc740\ud589 \uac1c\ud601\uc774\ub77c\ub294 \ubcf5\uc7a1\ud55c \uc815\ucc45 \ud658\uacbd\uc5d0 \uc9c1\uba74\ud574 \uc788\uc2b5\ub2c8\ub2e4. \uc720\ub7fd\uc911\uc559\uc740\ud589(ECB)\uc740 \ud1b5\ud569 \uc790\ubcf8 \uc2dc\uc7a5\uc744 \uc7a5\ub824\ud558\uba70, \uad6c\ub3c5 \ubaa8\ub378\uacfc \ud0c4\uc18c \ubc30\ucd9c\uad8c \uc5f0\uacc4 \uae08\ub9ac \ud560\uc778\uc774 \ud655\uc0b0\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uacbd\uc7c1 \ud658\uacbd:<\/p>\n<p>\uc790\ub3d9\ucc28 \ub300\ucd9c \uc2dc\uc7a5\uc740 \uae30\uc874 \uae08\uc735\uc0ac, \uc740\ud589, \ud540\ud14c\ud06c \uae30\uc5c5\ub4e4\uc774 \uc810\uc720\uc728\uc744 \ub193\uace0 \uacbd\uc7c1\ud558\ub294 \uc911\uac04 \uc218\uc900\uc758 \uc9d1\uc911\ub3c4\ub97c \ubcf4\uc785\ub2c8\ub2e4. Ford Credit\uc758 \uc0c1\ub2f9\ud55c \ucc44\uad8c \uae30\ubc18\uc740 \uae30\uc874 \uae30\uc5c5\uc758 \uaddc\ubaa8\ub97c \ubcf4\uc5ec\uc8fc\uc9c0\ub9cc, \ub192\uc740 \uc790\uae08 \uc870\ub2ec \ube44\uc6a9\uc73c\ub85c \uc778\ud574 \uc218\uc775\uc131\uc774 \uc555\ubc15\ubc1b\uace0 \uc788\uc2b5\ub2c8\ub2e4. GM Financial\uc758 \uc740\ud589 \uc2e0\uccad \ucca0\ud68c\ub294 \ubcc0\ud654\ud558\ub294 \uaddc\uc81c \ud658\uacbd\uc774 \uc804\ub7b5\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc744 \uc2dc\uc0ac\ud569\ub2c8\ub2e4.<\/p>\n<p>\ud540\ud14c\ud06c \ud50c\ub7ab\ud3fc\uc740 \uc0ac\uc6a9\uc790 \uc911\uc2ec \ub514\uc790\uc778\uacfc AI \ub9ac\uc2a4\ud06c \uc2ec\uc0ac\ub97c \uac15\uc870\ud558\uba70, Upstart\uc758 \uc740\ud589 \ud30c\ud2b8\ub108\uc2ed\uc740 \ub300\ucd9c \uc6cc\ud06c\ud50c\ub85c\uc6b0\uc758 70% \uc774\uc0c1\uc744 \uc790\ub3d9\ud654\ud569\ub2c8\ub2e4. \uc81c\uc870\uc0ac \uc790\uccb4 \ud560\ubd80 \uae08\uc735\uc0ac\ub294 \ubc88\ub4e4 \uc11c\ube44\uc2a4\uc640 \ub370\uc774\ud130 \uae30\ubc18 \uac00\uaca9 \ucc45\uc815\uc73c\ub85c \uace0\uac1d \ucda9\uc131\ub3c4\ub97c \uc2ec\ud654\ud569\ub2c8\ub2e4. \uc804\ud1b5 \uc740\ud589\ub4e4\uc740 API\uc5d0 \ud22c\uc790\ud558\uac70\ub098 \uae30\uc220 \uae30\uc5c5\uc744 \uc778\uc218\ud558\uc5ec \uc18d\ub3c4\ub97c \ub192\uc774\ub294 \ubc29\uc2dd\uc73c\ub85c \ub300\uc751\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc0c1\uc5c5\uc6a9 EV \uae08\uc735, \uad6c\ub3c5 \uc18c\uc720\uad8c \uc2e0\uc6a9 \ubc88\ub4e4, \uaddc\uc81c \uc870\ud654\ub97c \ud1b5\ud55c \uad6d\uacbd \uac04 \ub300\ucd9c \ub4f1\uc740 \uc0c8\ub85c\uc6b4 \uc131\uc7a5 \uae30\ud68c\ub85c \ubd80\uc0c1\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uacbd\uc7c1 \uc6b0\uc704\ub294 \uc774\uc81c \uaddc\ubaa8, \uae30\uc220, \uaddc\uc81c \uc900\uc218\ub97c \uacb0\ud569\ud558\ub294 \ub2a5\ub825\uc5d0 \ub2ec\ub824 \uc788\uc2b5\ub2c8\ub2e4. \ube44\uc6a9 \ud6a8\uc728\uc801\uc778 \ub514\uc9c0\ud138 \ub300\ucd9c \uc2e4\ud589\uacfc \uc790\uc0b0 \ub9ac\uc2a4\ud06c \uad00\ub9ac\ub97c \ub9c8\uc2a4\ud130\ud558\ub294 \uc81c\uacf5\uc5c5\uccb4\uac00 \uc9c4\ud654\ud558\ub294 \uc790\ub3d9\ucc28 \ub300\ucd9c \uc2dc\uc7a5\uc5d0\uc11c \uc9c0\uc18d \uac00\ub2a5\ud55c \ub9c8\uc9c4\uc744 \ud655\ubcf4\ud560 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc8fc\uc694 \uc0b0\uc5c5 \ub9ac\ub354:<\/p>\n<p>Toyota Financial Services, Ford Credit, Ally Financial, Chase Auto Finance, Wells Fargo Auto \ub4f1\uc774 \uc8fc\uc694 \ud50c\ub808\uc774\uc5b4\uc785\ub2c8\ub2e4.<\/p>\n<p>\ucd5c\uadfc \uc0b0\uc5c5 \ub3d9\ud5a5:<\/p>\n<p>*   2025\ub144 2\uc6d4: Carvana\ub294 2024\ub144 \ub9e4\ucd9c 136\uc5b5 7\ucc9c\ub9cc \ub2ec\ub7ec\ub97c \uae30\ub85d\ud558\uba70 \uc804\ub144 \ub300\ube44 27% \uc131\uc7a5\ud588\uc73c\uba70, \uc870\uc815 EBITDA \ub9c8\uc9c4 10.1%\ub97c \ub2ec\uc131\ud558\uc5ec \uc18c\ube44\uc790 \uc9c1\uc811 \ub514\uc9c0\ud138 \uc790\ub3d9\ucc28 \uae08\uc735\uc758 \uac00\ub2a5\uc131\uc744 \uc785\uc99d\ud588\uc2b5\ub2c8\ub2e4.<br \/>\n*   2024\ub144 6\uc6d4: GM Financial\uc740 \uc608\uae08 \ubcf4\ud5d8 \uc2e0\uccad\uc744 \ucca0\ud68c\ud558\uba70 \ubcc0\ud654\ud558\ub294 \uaddc\uc81c \ud658\uacbd \uc18d\uc5d0\uc11c \uc740\ud589 \uc804\ub7b5\uc5d0 \ub300\ud55c \uc9c0\uc18d\uc801\uc778 \ud3c9\uac00\ub97c \uc2dc\uc0ac\ud588\uc2b5\ub2c8\ub2e4.<br \/>\n*   2024\ub144 4\uc6d4: \uc911\uad6d\uc740 \uac1c\uc778 \uc790\ub3d9\ucc28 \ub300\ucd9c\uc5d0 \ub300\ud55c \uc758\ubb34 \uc120\uc218\uae08 \uaddc\uc815\uc744 \ud3d0\uc9c0\ud558\uba70 2018\ub144 \uc774\ud6c4 \uac00\uc7a5 \uc911\uc694\ud55c \uaddc\uc81c \uc644\ud654\ub97c \ub2e8\ud589\ud588\uc2b5\ub2c8\ub2e4.<br \/>\n*   2024\ub144 2\uc6d4: Ford Credit\uc740 \uc21c \ucc44\uad8c 1,332\uc5b5 \ub2ec\ub7ec\uc640 \uc720\ub3d9\uc131 257\uc5b5 \ub2ec\ub7ec\ub97c \ubcf4\uace0\ud588\uc73c\ub098, \ub192\uc740 \ucc28\uc785 \ube44\uc6a9\uc73c\ub85c \uc778\ud574 \ub9c8\uc9c4\uc774 \uc555\ubc15\ubc1b\uc558\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc774 \ubcf4\uace0\uc11c\ub294 \uc804 \uc138\uacc4 \uc790\ub3d9\ucc28 \ub300\ucd9c(Car Loan) \uc2dc\uc7a5\uc5d0 \ub300\ud55c \ud3ec\uad04\uc801\uc778 \ubd84\uc11d\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc790\ub3d9\ucc28 \ub300\ucd9c\uc740 \uac1c\uc778\uc758 \ucc28\ub7c9 \uad6c\ub9e4\ub97c \ub3d5\uae30 \uc704\ud574 \uae08\uc735 \uae30\uad00\uc774\ub098 \ub300\ucd9c \uae30\uad00\uc774 \uc81c\uacf5\ud558\ub294 \uc790\uae08 \uc870\ub2ec\uc758 \ud55c \ud615\ud0dc\ub85c, \ubcf8 \ubcf4\uace0\uc11c\ub294 \uc0b0\uc5c5 \ud611\ud68c, \uc804\ubc18\uc801\uc778 \uacbd\uc81c \uc0c1\ud669, \uadf8\ub9ac\uace0 \uc138\uadf8\uba3c\ud2b8\ubcc4 \uc2e0\ud765 \uc2dc\uc7a5 \ub3d9\ud5a5\uc5d0 \ub300\ud55c \ud3c9\uac00\ub97c \ud3ec\ud568\ud558\uc5ec \uc2dc\uc7a5\uc758 \uc644\uc804\ud55c \ubc30\uacbd \ubd84\uc11d\uc744 \ub2e4\ub8f9\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5 \ub3d9\uc778 \ubc0f \uc81c\uc57d:<br \/>\n\uc8fc\uc694 \uc131\uc7a5 \ub3d9\ub825\uc73c\ub85c\ub294 \uc2e0\ud765 \uc2dc\uc7a5\uc5d0\uc11c\uc758 \ub7ed\uc154\ub9ac \ucc28\ub7c9 \uc218\uc694 \uc99d\uac00, \uc790\ub3d9\ucc28 \uc81c\uc870\uc5c5\uccb4\uc758 \uc790\uccb4 \uae08\uc735 \ubd80\ubb38 \ud655\uc7a5, \uc628\ub77c\uc778 \uc911\uace0\ucc28 \ud50c\ub7ab\ud3fc\uc758 \ubcf4\uae09 \ud655\ub300, \ud540\ud14c\ud06c API\ub97c \ud1b5\ud55c \ub514\uc9c0\ud138 \ub300\ucd9c \ubc0f \uc989\uc2dc \uc2b9\uc778, \ubc88\ub4e4 \uae08\uc735\uc744 \ucd09\uc9c4\ud558\ub294 \uad6c\ub3c5 \uae30\ubc18 \uc18c\uc720 \ubaa8\ub378, \uadf8\ub9ac\uace0 \uc804\uae30\ucc28 \uad6c\ub9e4 \uc2dc \ud0c4\uc18c \ubc30\ucd9c\uad8c \uc5f0\uacc4 \uc774\uc790 \ud560\uc778 \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n\ubc18\uba74, \uc2dc\uc7a5 \uc131\uc7a5\uc744 \uc800\ud574\ud558\ub294 \uc694\uc778\uc73c\ub85c\ub294 \uae08\ub9ac \uc778\uc0c1 \ubc0f \ud1b5\ud654 \uc815\ucc45 \uac15\ud654, \uc11c\ube0c\ud504\ub77c\uc784 \ub300\ucd9c\uc790\uc758 \ub192\uc740 \uc5f0\uccb4 \uc704\ud5d8, \ucc28\ub7c9 \uad6c\ub9e4\ub97c \uac10\uc18c\uc2dc\ud0a4\ub294 \uacf5\uc720 \ubaa8\ube4c\ub9ac\ud2f0\uc758 \ud655\uc0b0, \uadf8\ub9ac\uace0 \uc8fc\uc694 \uc2dc\uc7a5\uc5d0\uc11c\uc758 \uc5c4\uaca9\ud55c \ubd80\ucc44-\uc18c\ub4dd \ube44\uc728 \uc81c\ud55c \ub4f1\uc774 \uc9c0\uc801\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5 \uc138\ubd84\ud654:<br \/>\n\uc2dc\uc7a5\uc740 \ucc28\ub7c9 \uc720\ud615(\uc2b9\uc6a9\ucc28, \uc0c1\uc6a9\ucc28), \uc18c\uc720\uad8c(\uc2e0\ucc28, \uc911\uace0\ucc28), \uc81c\uacf5\uc790 \uc720\ud615(\uc740\ud589, \ube44\uc740\ud589 \uae08\uc735\uae30\uad00, OEM, \uae30\ud0c0 \ud540\ud14c\ud06c \uae30\uc5c5), \ub300\ucd9c \uae30\uac04(3\ub144 \ubbf8\ub9cc, 3-5\ub144, 5\ub144 \ucd08\uacfc), \uadf8\ub9ac\uace0 \uc9c0\uc5ed(\ubd81\ubbf8, \ub0a8\ubbf8, \uc720\ub7fd, \uc544\uc2dc\uc544-\ud0dc\ud3c9\uc591, \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74)\ubcc4\ub85c \uc138\ubd84\ud654\ub418\uc5b4 \ubd84\uc11d\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc131\uc7a5 \uc804\ub9dd:<br \/>\n\uc804 \uc138\uacc4 \uc790\ub3d9\ucc28 \ub300\ucd9c \uc2dc\uc7a5\uc740 2025\ub144 1\uc870 5,300\uc5b5 \ub2ec\ub7ec\uc5d0\uc11c 2031\ub144 2\uc870 4,900\uc5b5 \ub2ec\ub7ec\ub85c \uc5f0\ud3c9\uade0 8.47%\uc758 \uc131\uc7a5\ub960\uc744 \uae30\ub85d\ud560 \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4. \ud2b9\ud788 \uc544\uc2dc\uc544-\ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc740 \uaddc\uc81c \uc644\ud654\uc640 \uc911\uc0b0\uce35 \uc218\uc694 \uc99d\uac00\uc5d0 \ud798\uc785\uc5b4 \uc5f0\ud3c9\uade0 9.74%\ub85c \uac00\uc7a5 \ube60\ub978 \uc131\uc7a5\uc744 \ubcf4\uc77c \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \ud540\ud14c\ud06c \ub300\ucd9c \uae30\uad00\uc740 API \uae30\ubc18\uc758 \uc2ec\uc0ac\ub97c \ud1b5\ud55c \uc989\uc2dc \uc2b9\uc778\uc73c\ub85c \uc804\ud1b5 \uc740\ud589\uc744 \ub2a5\uac00\ud558\ub294 \uc5f0\ud3c9\uade0 14.12%\uc758 \uc131\uc7a5\ub960\uc744 \uae30\ub85d\ud558\uba70 \uc2dc\uc7a5 \uc810\uc720\uc728\uc744 \ud655\ub300\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc911\uace0\ucc28 \ub300\ucd9c \uc2dc\uc7a5 \ub610\ud55c \uc628\ub77c\uc778 \ub9c8\ucf13\ud50c\ub808\uc774\uc2a4\uc758 \uac00\uaca9 \ud22c\uba85\uc131 \ubc0f \uc2e0\uc6a9 \uacb0\uc815 \uc18d\ub3c4 \ud5a5\uc0c1\uc5d0 \ud798\uc785\uc5b4 \uc5f0\ud3c9\uade0 10% \uc774\uc0c1\uc758 \uc131\uc7a5\ub960\uc744 \ubcf4\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc8fc\uc694 \uc2dc\uc7a5 \ub3d9\ud5a5:<br \/>\n\uae08\ub9ac \uc778\uc0c1\uc740 \ub300\ucd9c \uae30\uac04\uc744 \uc5f0\uc7a5\ud558\uace0 \ub300\ucd9c \uae30\uad00\uc758 \ub9c8\uc9c4\uc744 \uc555\ubc15\ud558\uba70, \ucc28\uc785 \ube44\uc6a9 \uc9c0\ud45c\ub294 2022\ub144 \uc774\uc804 \uc218\uc900\ubcf4\ub2e4 \uc5ec\uc804\ud788 \ub192\uc740 \uc0c1\ud0dc\uc785\ub2c8\ub2e4. \uc804\uae30\ucc28 \ud2b8\ub80c\ub4dc\ub294 \ub300\ucd9c \uc0c1\ud488\uc5d0\ub3c4 \uc601\ud5a5\uc744 \ubbf8\uccd0, \ub300\ucd9c \uae30\uad00\ub4e4\uc740 \uc9c0\uc18d \uac00\ub2a5\uc131 \ubaa9\ud45c \ub2ec\uc131\uc744 \uc704\ud574 \ud0c4\uc18c \ubc30\ucd9c\uad8c \uc5f0\uacc4 \uae08\ub9ac \ud560\uc778 \ubc0f \uace0\uac00 \uc804\uae30\ucc28 \uad6c\ub9e4\ub97c \uc9c0\uc6d0\ud558\ub294 \uc7a5\uae30 \ub300\ucd9c \uc0c1\ud488\uc744 \ub3c4\uc785\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uacbd\uc7c1 \ud658\uacbd \ubc0f \ubbf8\ub798 \uc804\ub9dd:<br \/>\n\ubcf4\uace0\uc11c\ub294 \uc2dc\uc7a5 \uc9d1\uc911\ub3c4, \uc804\ub7b5\uc801 \uc6c0\uc9c1\uc784, \uc2dc\uc7a5 \uc810\uc720\uc728 \ubd84\uc11d\uc744 \ud3ec\ud568\ud55c \uacbd\uc7c1 \ud658\uacbd\uc744 \uc0c1\uc138\ud788 \ub2e4\ub8e8\uba70, Toyota Financial Services, Ford Credit, Ally Financial \ub4f1 \uc8fc\uc694 \uae30\uc5c5\ub4e4\uc758 \ud504\ub85c\ud544\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \ub610\ud55c, \uc2dc\uc7a5 \uae30\ud68c \ubc0f \ubbf8\ub798 \uc804\ub9dd\uc5d0 \ub300\ud55c \ud3c9\uac00\ub3c4 \ud3ec\ud568\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-32211","post","type-post","status-publish","format-standard","hentry","category-market-reports"],"_links":{"self":[{"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/posts\/32211"}],"collection":[{"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/comments?post=32211"}],"version-history":[{"count":0,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/posts\/32211\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/media?parent=32211"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/categories?post=32211"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/tags?post=32211"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}