{"id":34601,"date":"2026-02-10T09:53:20","date_gmt":"2026-02-10T09:53:20","guid":{"rendered":"https:\/\/www.globalresearch.co.kr\/insight\/alternative-financing-market-mordor\/"},"modified":"2026-09-11T17:31:27","modified_gmt":"2026-09-11T08:31:27","slug":"alternative-financing-market-mordor","status":"publish","type":"post","link":"https:\/\/www.globalresearch.co.kr\/insight\/alternative-financing-market-mordor\/","title":{"rendered":"\uc138\uacc4\uc758 \ub300\uccb4 \uae08\uc735 \uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc810\uc720\uc728 \ubd84\uc11d &#8211; \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\/alternative-financing-market-1751955415234-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\/alternative-financing-market-size-image-1768930547797.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 \ub514\uc9c0\ud138 \uc6b0\uc120 \uc911\uc18c\uae30\uc5c5 \uc2e0\uc6a9 \uaca9\ucc28 \ud655\ub300<\/li>\n<li class=\"toc-level-3\">4.2.2 \uac1c\uc778 \ud22c\uc790\uc790\uc758 &#8220;\uc218\uc775 \ucd94\uad6c&#8221; \ubaa8\uba58\ud140<\/li>\n<li class=\"toc-level-3\">4.2.3 \uc624\ud508 \ubc45\ud0b9 \ubc0f JOBS \ubc95\uc548 \uc2a4\ud0c0\uc77c \uaddc\uc81c<\/li>\n<li class=\"toc-level-3\">4.2.4 \ub9c8\ucf13\ud50c\ub808\uc774\uc2a4 \ub300\ucd9c\uc758 \uae30\uad00 \uc99d\uad8c\ud654<\/li>\n<li class=\"toc-level-3\">4.2.5 \uc2e4\ubb3c \uc790\uc0b0\uc758 \ud1a0\ud070\ud654 (\ubd84\ud560 \uc790\uae08 \uc870\ub2ec)<\/li>\n<li class=\"toc-level-3\">4.2.6 \uc740\ud589 \uc790\ubcf8 \uaddc\uc81c \uac15\ud654\ub85c \ucc28\uc785\uc790\ub4e4\uc774 \ud540\ud14c\ud06c \ub300\ucd9c \uae30\uad00\uc73c\ub85c \uc774\ub3d9<\/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 \ud30c\ud3b8\ud654\ub41c \uae00\ub85c\ubc8c \uaddc\uc81c \uccb4\uc81c \ubc0f \ub77c\uc774\uc120\uc2a4 \uc81c\ud55c<\/li>\n<li class=\"toc-level-3\">4.3.2 \uacbd\uae30 \ub454\ud654 \uc18d \ub514\ud3f4\ud2b8\/\uc0ac\uae30 \uc704\ud5d8 \uc99d\uac00<\/li>\n<li class=\"toc-level-3\">4.3.3 \uc608\uae08 \uae30\ubc18 \uc740\ud589 \ub300\ube44 \ub192\uc740 \uc790\ubcf8 \ube44\uc6a9<\/li>\n<li class=\"toc-level-3\">4.3.4 \ube44\uc740\ud589 \ub300\ucd9c \uae30\uad00\uc758 ABS \ucc3d\uace0 \uc720\ub3d9\uc131 \uc704\uae30<\/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 \uc2e0\uaddc \uc9c4\uc785\uc790\uc758 \uc704\ud611<\/li>\n<li class=\"toc-level-3\">4.7.2 \uad6c\ub9e4\uc790\uc758 \uad50\uc12d\ub825<\/li>\n<li class=\"toc-level-3\">4.7.3 \uacf5\uae09\uc790\uc758 \uad50\uc12d\ub825<\/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<\/p>\n<ul>\n<li class=\"toc-level-2\">5.1 \uc790\uae08 \uc870\ub2ec \uc720\ud615\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.1.1 P2P \ub300\ucd9c<\/li>\n<li class=\"toc-level-3\">5.1.2 \ud06c\ub77c\uc6b0\ub4dc\ud380\ub529 (\uc9c0\ubd84, \ubcf4\uc0c1\/\uae30\ubd80)<\/li>\n<li class=\"toc-level-3\">5.1.3 \ub9e4\ucd9c \uae30\ubc18 \uc790\uae08 \uc870\ub2ec<\/li>\n<li class=\"toc-level-3\">5.1.4 \ud310\ub9e4\uc790 \ud604\uae08 \uc120\uc9c0\uae09<\/li>\n<li class=\"toc-level-3\">5.1.5 \uc1a1\uc7a5 &amp; \uacf5\uae09\ub9dd \uae08\uc735<\/li>\n<li class=\"toc-level-3\">5.1.6 \uae30\ud0c0 (BNPL, \uc18c\uc561 \ub300\ucd9c, \uc7a5\ube44 \uae08\uc735)<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.2 \ucd5c\uc885 \uc0ac\uc6a9\uc790\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.2.1 \uac1c\uc778 \uc18c\ube44\uc790<\/li>\n<li class=\"toc-level-3\">5.2.2 \uc911\uc18c\uae30\uc5c5 (SME)<\/li>\n<li class=\"toc-level-3\">5.2.3 \ub300\uae30\uc5c5<\/li>\n<li class=\"toc-level-3\">5.2.4 \ube44\uc601\ub9ac &amp; \uc0ac\ud68c\uc801 \uc601\ud5a5 \uc870\uc9c1<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.3 \uc9c0\uc5ed\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.3.1 \ubd81\ubbf8<\/li>\n<li class=\"toc-level-4\">5.3.1.1 \uce90\ub098\ub2e4<\/li>\n<li class=\"toc-level-4\">5.3.1.2 \ubbf8\uad6d<\/li>\n<li class=\"toc-level-4\">5.3.1.3 \uba55\uc2dc\ucf54<\/li>\n<li class=\"toc-level-3\">5.3.2 \ub0a8\ubbf8<\/li>\n<li class=\"toc-level-4\">5.3.2.1 \ube0c\ub77c\uc9c8<\/li>\n<li class=\"toc-level-4\">5.3.2.2 \ud398\ub8e8<\/li>\n<li class=\"toc-level-4\">5.3.2.3 \uce60\ub808<\/li>\n<li class=\"toc-level-4\">5.3.2.4 \uc544\ub974\ud5e8\ud2f0\ub098<\/li>\n<li class=\"toc-level-4\">5.3.2.5 \ub0a8\ubbf8 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<li class=\"toc-level-3\">5.3.3 \uc720\ub7fd<\/li>\n<li class=\"toc-level-4\">5.3.3.1 \uc601\uad6d<\/li>\n<li class=\"toc-level-4\">5.3.3.2 \ub3c5\uc77c<\/li>\n<li class=\"toc-level-4\">5.3.3.3 \ud504\ub791\uc2a4<\/li>\n<li class=\"toc-level-4\">5.3.3.4 \uc2a4\ud398\uc778<\/li>\n<li class=\"toc-level-4\">5.3.3.5 \uc774\ud0c8\ub9ac\uc544<\/li>\n<li class=\"toc-level-4\">5.3.3.6 \ubca0\ub124\ub8e9\uc2a4 (\ubca8\uae30\uc5d0, \ub124\ub35c\ub780\ub4dc, \ub8e9\uc148\ubd80\ub974\ud06c)<\/li>\n<li class=\"toc-level-4\">5.3.3.7 \ubd81\uc720\ub7fd (\ub374\ub9c8\ud06c, \ud540\ub780\ub4dc, \uc544\uc774\uc2ac\ub780\ub4dc, \ub178\ub974\uc6e8\uc774, \uc2a4\uc6e8\ub374)<\/li>\n<li class=\"toc-level-4\">5.3.3.8 \uc720\ub7fd \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<li class=\"toc-level-3\">5.3.4 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591<\/li>\n<li class=\"toc-level-4\">5.3.4.1 \uc778\ub3c4<\/li>\n<li class=\"toc-level-4\">5.3.4.2 \uc911\uad6d<\/li>\n<li class=\"toc-level-4\">5.3.4.3 \uc77c\ubcf8<\/li>\n<li class=\"toc-level-4\">5.3.4.4 \ud638\uc8fc<\/li>\n<li class=\"toc-level-4\">5.3.4.5 \ub300\ud55c\ubbfc\uad6d<\/li>\n<li class=\"toc-level-4\">5.3.4.6 \ub3d9\ub0a8\uc544\uc2dc\uc544<\/li>\n<li class=\"toc-level-4\">5.3.4.7 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<li class=\"toc-level-3\">5.3.5 \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74<\/li>\n<li class=\"toc-level-4\">5.3.5.1 \uc544\ub78d\uc5d0\ubbf8\ub9ac\ud2b8<\/li>\n<li class=\"toc-level-4\">5.3.5.2 \uc0ac\uc6b0\ub514\uc544\ub77c\ube44\uc544<\/li>\n<li class=\"toc-level-4\">5.3.5.3 \ub0a8\uc544\ud504\ub9ac\uce74 \uacf5\ud654\uad6d<\/li>\n<li class=\"toc-level-4\">5.3.5.4 \ub098\uc774\uc9c0\ub9ac\uc544<\/li>\n<li class=\"toc-level-4\">5.3.5.5 \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74 \uae30\ud0c0 \uc9c0\uc5ed<\/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 \uac1c\uc694, \uc2dc\uc7a5 \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, \ucd5c\uadfc \uac1c\ubc1c \ud3ec\ud568)\n<ul>\n<li class=\"toc-level-3\">6.4.1 LendingClub<\/li>\n<li class=\"toc-level-3\">6.4.2 Funding Circle<\/li>\n<li class=\"toc-level-3\">6.4.3 GoFundMe<\/li>\n<li class=\"toc-level-3\">6.4.4 Kickstarter<\/li>\n<li class=\"toc-level-3\">6.4.5 Indiegogo<\/li>\n<li class=\"toc-level-3\">6.4.6 Prosper<\/li>\n<li class=\"toc-level-3\">6.4.7 Kiva<\/li>\n<li class=\"toc-level-3\">6.4.8 OnDeck<\/li>\n<li class=\"toc-level-3\">6.4.9 CAN Capital<\/li>\n<li class=\"toc-level-3\">6.4.10 LendingTree<\/li>\n<li class=\"toc-level-3\">6.4.11 Fundbox<\/li>\n<li class=\"toc-level-3\">6.4.12 Avant<\/li>\n<li class=\"toc-level-3\">6.4.13 Upstart<\/li>\n<li class=\"toc-level-3\">6.4.14 Lendio<\/li>\n<li class=\"toc-level-3\">6.4.15 Mercado Credito (MercadoLibre)<\/li>\n<li class=\"toc-level-3\">6.4.16 Ant Group<\/li>\n<li class=\"toc-level-3\">6.4.17 WeBank<\/li>\n<li class=\"toc-level-3\">6.4.18 Auxmoney<\/li>\n<li class=\"toc-level-3\">6.4.19 RateSetter<\/li>\n<li class=\"toc-level-3\">6.4.20 Zopa<\/li>\n<li class=\"toc-level-3\">6.4.21 Klarna<\/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>\ub300\uccb4 \uae08\uc735 \uc2dc\uc7a5 \uac1c\uc694 \ubc0f \uc804\ub9dd (2026-2031)<\/p>\n<p># 1. \uc11c\ub860 \ubc0f \uc2dc\uc7a5 \uac1c\uc694<\/p>\n<p>\ub300\uccb4 \uae08\uc735 \uc2dc\uc7a5\uc740 \uc804\ud1b5\uc801\uc778 \uc740\ud589 \uc2dc\uc2a4\ud15c\uc744 \ubc97\uc5b4\ub098 \ub2e4\uc591\ud55c \uc790\uae08 \uc870\ub2ec \ubc0f \ud22c\uc790 \uae30\ud68c\ub97c \uc81c\uacf5\ud558\ub294 \ubd84\uc57c\ub85c, \ube60\ub974\uac8c \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ubcf8 \ubcf4\uace0\uc11c\ub294 2020\ub144\ubd80\ud130 2031\ub144\uae4c\uc9c0\uc758 \uc2dc\uc7a5\uc744 \ubd84\uc11d\ud558\uba70, \uc790\uae08 \uc870\ub2ec \uc720\ud615(P2P \ub300\ucd9c, \ud06c\ub77c\uc6b0\ub4dc\ud380\ub529 \ub4f1), \ucd5c\uc885 \uc0ac\uc6a9\uc790(\uac1c\uc778 \uc18c\ube44\uc790, \uc911\uc18c\uae30\uc5c5, \ub300\uae30\uc5c5 \ub4f1), \uadf8\ub9ac\uace0 \uc9c0\uc5ed(\ubd81\ubbf8, \ub0a8\ubbf8, \uc720\ub7fd \ub4f1)\ubcc4\ub85c \uc2dc\uc7a5\uc744 \uc138\ubd84\ud654\ud558\uc5ec \uac00\uce58(USD) \uae30\uc900\uc73c\ub85c \uc608\uce21\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n<p># 2. \uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc131\uc7a5 \uc804\ub9dd<\/p>\n<p>\ub300\uccb4 \uae08\uc735 \uc2dc\uc7a5\uc740 2025\ub144 1\uc870 2,900\uc5b5 \ub2ec\ub7ec\ub85c \ud3c9\uac00\ub418\uc5c8\uc73c\uba70, 2026\ub144 1\uc870 4,200\uc5b5 \ub2ec\ub7ec\uc5d0\uc11c 2031\ub144\uc5d0\ub294 2\uc870 2,700\uc5b5 \ub2ec\ub7ec\uc5d0 \uc774\ub97c \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uc608\uce21 \uae30\uac04(2026-2031) \ub3d9\uc548 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960(CAGR)\uc740 9.84%\uc5d0 \ub2ec\ud560 \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4. \ud2b9\ud788 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc774 \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \uc2dc\uc7a5\uc73c\ub85c, \ubd81\ubbf8\ub294 \uac00\uc7a5 \ud070 \uc2dc\uc7a5 \uc810\uc720\uc728\uc744 \uc720\uc9c0\ud560 \uac83\uc73c\ub85c \ubcf4\uc785\ub2c8\ub2e4. \uc2dc\uc7a5 \uc9d1\uc911\ub3c4\ub294 \ub0ae\uc740 \ud3b8\uc774\uba70, \uc8fc\uc694 \ud50c\ub808\uc774\uc5b4\ub85c\ub294 LendingClub, Funding Circle, GoFundMe, Kickstarter, Indiegogo \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc774\ub7ec\ud55c \uae09\uaca9\ud55c \uc131\uc7a5\uc740 \ubc14\uc824 III \ubc0f \ubc14\uc824 IV \uc790\ubcf8 \uaddc\uc81c\ub85c \uc778\ud574 \ud2b9\uc815 \ub300\ucd9c \ubcf4\uc720 \ube44\uc6a9\uc774 \uc99d\uac00\ud558\uba74\uc11c \uc804\ud1b5 \uc740\ud589\uc744 \uc6b0\ud68c\ud558\ub824\ub294 \ucc28\uc785\uc790\uc640 \ud22c\uc790\uc790\uc758 \uc6c0\uc9c1\uc784\uc5d0\uc11c \ube44\ub86f\ub429\ub2c8\ub2e4. \uc774\ub294 \ube44\uc740\ud589 \ub300\ucd9c \uae30\uad00\uc774 \ucc44\uc6b8 \uc218 \uc788\ub294 \uc0c1\ub2f9\ud55c \uc790\uae08 \uc870\ub2ec \uaca9\ucc28\ub97c \ub9cc\ub4e4\uc5c8\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \ubbf8\uad6d \uc18c\ube44\uc790 \uae08\uc735 \ubcf4\ud638\uad6d(CFPB)\uc758 \uc139\uc158 1033 \uaddc\uce59\uacfc \uac19\uc740 \uc624\ud508 \ubc45\ud0b9 \ubc95\uc548\uc740 \ub370\uc774\ud130 \uc774\ub3d9\uc131\uc744 \ud45c\uc900\ud654\ud558\uc5ec \ud540\ud14c\ud06c \ud50c\ub7ab\ud3fc\uc774 \ud48d\ubd80\ud55c \uc2e4\uc2dc\uac04 \ud1b5\ucc30\ub825\uc744 \ubc14\ud0d5\uc73c\ub85c \uc704\ud5d8\uc744 \ud3c9\uac00\ud558\uace0 \uc18c\uc678\ub41c \ubd80\ubb38\uc5d0 \ub3c4\ub2ec\ud560 \uc218 \uc788\ub3c4\ub85d \ud588\uc2b5\ub2c8\ub2e4. \uc790\uc0b0\uc720\ub3d9\ud654(ABS) \ubd84\uc57c\uc758 \ud601\uc2e0\uc740 \uae30\uad00 \uc790\ubcf8\uc744 \uc720\uce58\ud558\uc5ec, \uae00\ub85c\ubc8c \uae08\uc735 \uc704\uae30 \uc774\ud6c4 \uc2dc\uc7a5 \ub300\ucd9c ABS \ubc1c\ud589\uc561\uc774 \uc57d 3,300\uc5b5 \ub2ec\ub7ec\ub85c \ub450 \ubc30 \uc99d\uac00\ud558\uba70 \ud50c\ub7ab\ud3fc\uc5d0 \ud6a8\uc728\uc801\uc778 \ub300\ucc28\ub300\uc870\ud45c \ud68c\uc804\uacfc \ud22c\uc790\uc790\uc5d0\uac8c \ub9e4\ub825\uc801\uc778 \uc218\uc775\ub960 \uc0c1\ud488\uc744 \uc81c\uacf5\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p># 3. \uc8fc\uc694 \uc131\uc7a5 \ub3d9\ub825<\/p>\n<p>\ub300\uccb4 \uae08\uc735 \uc2dc\uc7a5\uc758 \uc131\uc7a5\uc744 \uacac\uc778\ud558\ub294 \uc8fc\uc694 \ub3d9\ub825\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n<p>*   \ub514\uc9c0\ud138 \uc6b0\uc120 \uc911\uc18c\uae30\uc5c5(SME) \uc2e0\uc6a9 \uaca9\ucc28 \ud655\ub300 (+2.5% CAGR \uc601\ud5a5): OECD \uacbd\uc81c\uad8c\uc5d0\uc11c \uc911\uc18c\uae30\uc5c5\uc740 \uc804\uccb4 \uae30\uc5c5\uc758 99%\ub97c \ucc28\uc9c0\ud558\uc9c0\ub9cc, \uc804\ud1b5 \uc740\ud589\uc758 \uc5c4\uaca9\ud55c \ub2f4\ubcf4 \uc694\uac74\uacfc \uc218\ub3d9\uc801\uc778 \uc628\ubcf4\ub529 \ud504\ub85c\uc138\uc2a4\ub85c \uc778\ud574 \uc0c1\ub2f9\ud55c \uc790\uae08 \uc870\ub2ec \uaca9\ucc28\uc5d0 \uc9c1\uba74\ud574 \uc788\uc2b5\ub2c8\ub2e4. \ud540\ud14c\ud06c \ub300\ucd9c \uae30\uad00\uc740 \ud074\ub77c\uc6b0\ub4dc \uae30\ubc18 \ub300\ucd9c \uad00\ub9ac \uc2dc\uc2a4\ud15c\uacfc AI \uc2a4\ucf54\uc5b4\ub9c1\uc744 \ud65c\uc6a9\ud558\uc5ec \ub300\ubd80\ubd84\uc758 \uc2e0\uccad \uc808\ucc28\ub97c \uc790\ub3d9\ud654\ud558\uace0 \uc2b9\uc778 \uc2dc\uac04\uc744 \ub2e8\ucd95\ud558\uba70 \ud55c\uacc4 \ube44\uc6a9\uc744 \uc808\uac10\ud569\ub2c8\ub2e4. \uc784\ubca0\ub514\ub4dc \uae08\uc735\uc740 \ub300\ucd9c\uc744 \ud68c\uacc4, \uc804\uc790\uc0c1\uac70\ub798, \uae09\uc5ec \ud50c\ub7ab\ud3fc\uc5d0 \uc9c1\uc811 \ud1b5\ud569\ud558\uc5ec \uc2e0\uc6a9 \uac00\uc2dc\uc131\uc744 \ub192\uc774\uace0 \uace0\uac1d \ucda9\uc131\ub3c4\ub97c \uac15\ud654\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub514\uc9c0\ud138\ud654\ub294 \ub300\ucd9c \uae30\uad00\uc774 \uc2dc\uc7a5 \ub300\ucd9c ABS \ub610\ub294 \uc804\uccb4 \ub300\ucd9c \ud310\ub9e4\ub97c \ud1b5\ud574 \ub178\ucd9c\uc744 \uc2e0\uc18d\ud558\uac8c \uc2e0\ub514\ucf00\uc774\ud2b8\ud558\uc5ec \uc6b4\uc804\uc790\ubcf8 \ub300\ucd9c\uc744 \uac70\ub798 \uac00\ub2a5\ud55c \uc790\uc0b0\uc73c\ub85c \uc804\ud658\ud560 \uc218 \uc788\uac8c \ud569\ub2c8\ub2e4.<br \/>\n*   \uac1c\uc778 \ud22c\uc790\uc790\uc758 \uace0\uc218\uc775 \ucd94\uad6c \ubaa8\uba58\ud140 (+1.6% CAGR \uc601\ud5a5): \uc218\ub144\uac04\uc758 \uc800\uae08\ub9ac \uc815\ucc45 \uc774\ud6c4, \uac1c\uc778 \ubc0f \uacf5\uc778 \ud22c\uc790\uc790\ub4e4\uc740 \uace0\uc218\uc775 \uc0ac\ubaa8 \uc2e0\uc6a9 \uc0c1\ud488\uc73c\ub85c \uc774\ub3d9\ud558\uc5ec 2025\ub144 1\uc870 7\ucc9c\uc5b5 \ub2ec\ub7ec \uaddc\ubaa8\uc758 \uae00\ub85c\ubc8c \uc0ac\ubaa8 \uc2e0\uc6a9 \uc790\uc0b0 \ud480\uc744 \ud615\uc131\ud588\uc2b5\ub2c8\ub2e4. \uc9c0\ubd84 \ubc0f \ubcf4\uc0c1 \uae30\ubc18 \ud06c\ub77c\uc6b0\ub4dc\ud380\ub529 \ucea0\ud398\uc778\uc740 \ub450 \uc790\ub9bf\uc218 \uc21c\uc218\uc775\ub960\uc744 \uae30\ub85d\ud558\uba70 \uae30\uc5c5\uac00\uc801 \ubca4\ucc98\uc5d0 \ub300\ud55c \uc9c1\uc811\uc801\uc778 \uac1c\uc778 \uc218\uc694\ub97c \uc785\uc99d\ud588\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc624\ud508 \ubc45\ud0b9 \ubc95\uc548 \ubc0f JOBS Act \uc870\ud56d (+1.2% CAGR \uc601\ud5a5): CFPB\uc758 \ucd5c\uc885 \uc139\uc158 1033 \uaddc\uce59\uc740 2026\ub144 4\uc6d4\uae4c\uc9c0 \ubbf8\uad6d \uc740\ud589\uc774 \uc18c\ube44\uc790 \uc2b9\uc778 \ub370\uc774\ud130\ub97c \uc81c3\uc790\uc5d0\uac8c \uc81c\uacf5\ud558\ub3c4\ub85d \uc758\ubb34\ud654\ud558\uc5ec \uc815\ubcf4 \ube44\ub300\uce6d\uc131\uc744 \ud574\uc18c\ud569\ub2c8\ub2e4. \uc2f1\uac00\ud3ec\ub974\uc640 \ud638\uc8fc\uc5d0\uc11c\ub3c4 \uc720\uc0ac\ud55c \uc9c0\uce68\uc774 \uc9c4\ud589 \uc911\uc785\ub2c8\ub2e4. \ub370\uc774\ud130 \uc811\uadfc\uc131 \ud655\ub300\ub294 \uc2e0\uc6a9 \uae30\ub85d\uc774 \ubd80\uc871\ud55c \ucc28\uc785\uc790\uc5d0 \ub300\ud55c \uc2ec\uc0ac \uc815\ud655\ub3c4\ub97c \ub192\uc774\uace0 \uc0ac\uae30\ub97c \uc904\uc785\ub2c8\ub2e4. \ubbf8\uad6d JOBS Act\uc5d0 \ub530\ub978 \uac1c\uc778 \ud22c\uc790 \ud55c\ub3c4 \uc0c1\ud5a5\uc740 \ud06c\ub77c\uc6b0\ub4dc\ud380\ub529 \ud22c\uc790\uc790 \uae30\ubc18\uc744 \ud655\ub300\ud588\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uae30\uad00 \ud22c\uc790\uc790\uc758 \uc2dc\uc7a5 \ub300\ucd9c \uc720\ub3d9\ud654 (+1.80% CAGR \uc601\ud5a5): \ub2f4\ubcf4\ubd80 \ub300\ucd9c \ucc44\ubb34(CLO) \ubc0f \uc2dc\uc7a5 \ub300\ucd9c ABS\ub294 2024\ub144 2,500\uc5b5 \ub2ec\ub7ec\ub97c \ub118\uc5b4\uc130\uc73c\uba70, \uc774\ub294 \uc2e0\uc6a9 \uac15\ud654 \ud2b8\ub9ac\uac70\uac00 \ud3ec\ud568\ub41c \uc18c\ube44\uc790 \ubc0f \uc911\uc18c\uae30\uc5c5 \ucc44\uad8c\uc744 \ud5a5\ud55c \uc8fc\ub958 \ud22c\uc790\uc790\ub4e4\uc758 \uad00\uc2ec\uc744 \ubc18\uc601\ud569\ub2c8\ub2e4. \ube14\ub85d\uccb4\uc778 \uc6d0\uc7a5 \uae30\uc220\uc758 \ubc1c\uc804\uc740 \ubcf4\uace0 \uc9c0\uc5f0\uc744 \uc904\uc5ec \uc2e4\uc2dc\uac04 \ub2f4\ubcf4 \ud655\uc778\uc744 \uac00\ub2a5\ud558\uac8c \ud558\uace0 \uad6c\uc870\ud654 \ube44\uc6a9\uc744 \ub0ae\ucda5\ub2c8\ub2e4.<br \/>\n*   \uc740\ud589 \uc790\ubcf8 \uaddc\uc81c \uac15\ud654 (+2.0% CAGR \uc601\ud5a5): \ubc14\uc824 \uaddc\uc81c \uac15\ud654\ub294 \uc804\ud1b5 \uc740\ud589\uc758 \ub300\ucd9c \ube44\uc6a9\uc744 \ub192\uc5ec \ub300\uccb4 \uae08\uc735 \uc2dc\uc7a5\uc758 \uc131\uc7a5\uc744 \ucd09\uc9c4\ud569\ub2c8\ub2e4.<br \/>\n*   \uc2e4\ubb3c \uc790\uc0b0 \ud1a0\ud070\ud654 (+0.90% CAGR \uc601\ud5a5): \ube14\ub85d\uccb4\uc778 \uae30\ubc18\uc758 \uc2e4\ubb3c \uc790\uc0b0 \ud1a0\ud070\ud654\ub294 \uc0c8\ub85c\uc6b4 \ud22c\uc790 \uae30\ud68c\ub97c \ucc3d\ucd9c\ud558\uba70 \uc2dc\uc7a5 \uc131\uc7a5\uc5d0 \uae30\uc5ec\ud569\ub2c8\ub2e4.<\/p>\n<p># 4. \uc131\uc7a5 \uc81c\uc57d \uc694\uc778<\/p>\n<p>\uc131\uc7a5 \ub3d9\ub825\uacfc \ud568\uaed8 \uc2dc\uc7a5 \uc131\uc7a5\uc744 \uc800\ud574\ud558\ub294 \uc694\uc778\ub4e4\ub3c4 \uc874\uc7ac\ud569\ub2c8\ub2e4.<\/p>\n<p>*   \ud30c\ud3b8\ud654\ub41c \uae00\ub85c\ubc8c \uaddc\uc81c \uccb4\uc81c \ubc0f \ub77c\uc774\uc120\uc2a4 \uc81c\ud55c (\u22121.8% CAGR \uc601\ud5a5): \uad6d\uac00\ubcc4 \ub300\ucd9c \ub77c\uc774\uc120\uc2a4, \uc8fc\ubcc4 \uacf5\uac1c \ubc95\ub960, \uc0c1\uc774\ud55c \ubc14\uc824 IV \ucc44\ud0dd \uc77c\uc815\uc740 \ud2b9\ud788 \uad6d\uacbd\uc744 \ub118\ub294 \ud655\uc7a5 \uae30\uc5c5\uc758 \uaddc\uc81c \uc900\uc218 \uc608\uc0b0\uc744 \uc99d\uac00\uc2dc\ud0b5\ub2c8\ub2e4. \uaddc\uc81c \uc870\ud654\uc758 \ubd80\uc871\uc740 \uc131\uc7a5\uc744 \uc800\ud574\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<br \/>\n*   \uacbd\uae30 \ub454\ud654 \uc2dc \ucc44\ubb34 \ubd88\uc774\ud589 \ubc0f \uc0ac\uae30 \uc704\ud5d8 \uc99d\uac00 (\u22122.1% CAGR \uc601\ud5a5): \uadf8\ub9b0\uc2e4 \uce90\ud53c\ud0c8\uacfc \uac19\uc740 \uace0\uc704\ud5d8 \uae30\uc5c5\uc758 \ubd95\uad34\ub294 \uacf5\uae09\ub9dd \uae08\uc735 \uac80\uc99d\uc758 \ucde8\uc57d\uc131\uc744 \ub4dc\ub7ec\ub0c8\uc2b5\ub2c8\ub2e4. \uc778\ud50c\ub808\uc774\uc158\uc73c\ub85c \uc778\ud574 \uac00\ucc98\ubd84 \uc18c\ub4dd\uc774 \uc555\ubc15\uc744 \ubc1b\uc73c\uba74\uc11c 2024\ub144 \uc18c\ube44\uc790 \ub300\ucd9c \uc21c\uc0c1\uac01\uc774 \uc99d\uac00\ud588\uc73c\uba70, BNPL(\uc120\uad6c\ub9e4 \ud6c4\uacb0\uc81c) \uc6b4\uc601\uc790\ub4e4\uc740 \uc774\uc81c \uce74\ub4dc \ubc1c\uae09\uc0ac\uc640 \uc720\uc0ac\ud558\uac8c CFPB\uc758 \uc0c8\ub85c\uc6b4 \uac10\ub3c5\uc744 \ubc1b\uc2b5\ub2c8\ub2e4. \uc0ac\uae30 \uc870\uc9c1\uc740 \ud569\uc131 \uc2e0\uc6d0(synthetic identities)\uc744 \uc0ac\uc6a9\ud558\uc5ec \ub514\uc9c0\ud138 \uc628\ubcf4\ub529\uc744 \uc545\uc6a9\ud558\uba70, 2025\ub144 1\ubd84\uae30 \ud569\uc131 \uc2e0\uc6d0 \ub300\ucd9c \uc2e0\uccad \uc758\uc2ec \uac74\uc218\ub294 \uc804\ub144 \ub300\ube44 35% \uc99d\uac00\ud588\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc608\uae08 \uae30\ubc18 \uc740\ud589 \ub300\ube44 \ub192\uc740 \uc790\ubcf8 \uc870\ub2ec \ube44\uc6a9 (\u22121.4% CAGR \uc601\ud5a5): \ube44\uc740\ud589 \ub300\ucd9c \uae30\uad00\uc740 \uc800\ub834\ud55c \uc608\uae08 \uc790\uae08\uc744 \uc870\ub2ec\ud558\uae30 \uc5b4\ub835\uae30 \ub54c\ubb38\uc5d0 \uc804\ud1b5 \uc740\ud589\ubcf4\ub2e4 \uc790\ubcf8 \uc870\ub2ec \ube44\uc6a9\uc774 \ub192\uc2b5\ub2c8\ub2e4.<br \/>\n*   \ube44\uc740\ud589 \ub300\ucd9c \uae30\uad00\uc758 ABS \ucc3d\uace0 \uc720\ub3d9\uc131 \uc555\ubc15 (\u22121.2% CAGR \uc601\ud5a5): ABS \uc2dc\uc7a5\uc5d0\uc11c \ube44\uc740\ud589 \ub300\ucd9c \uae30\uad00\uc744 \uc704\ud55c \ucc3d\uace0 \uc720\ub3d9\uc131 \uc555\ubc15\uc740 \uc790\uae08 \uc870\ub2ec\uc5d0 \uc5b4\ub824\uc6c0\uc744 \uc904 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p># 5. \uc138\uadf8\uba3c\ud2b8 \ubd84\uc11d<\/p>\n<p> 5.1. \uc790\uae08 \uc870\ub2ec \uc720\ud615\ubcc4: \ub9e4\ucd9c \uae30\ubc18 \ubaa8\ub378\uc758 \uc790\ubcf8 \uc811\uadfc \ubc29\uc2dd \uc7ac\ud3b8<\/p>\n<p>*   \ub9e4\ucd9c \uae30\ubc18 \uae08\uc735(Revenue-based finance): 2025\ub144 \uc804\uccb4 \ub300\ucd9c\uc5d0\uc11c \ucc28\uc9c0\ud558\ub294 \ube44\uc911\uc740 \uc791\uc9c0\ub9cc, 27.26%\uc758 CAGR\ub85c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. SaaS(Software-as-a-Service) \ud310\ub9e4\uc790\uc640 \uc18c\ube44\uc790 \ube0c\ub79c\ub4dc\ub294 \uace0\uc815 \uc0c1\ud658 \uc77c\uc815 \ub300\uc2e0 \uc6d4\ubcc4 \ub9e4\ucd9c\uc5d0 \uc5f0\ub3d9\ub41c \uc0c1\ud658 \ubc29\uc2dd\uc744 \uc120\ud638\ud569\ub2c8\ub2e4. \ubca4\ucc98 \uae30\uc5c5\uc778 General Catalyst\uac00 \uace0\uac1d \ub9c8\ucf00\ud305 \uc608\uc0b0\uc758 \ucd5c\ub300 80%\ub97c \uc9c0\uc6d0\ud558\uae30 \uc704\ud574 \ubc18\ubcf5 \uc790\ubcf8\uc744 \ud560\ub2f9\ud558\uba74\uc11c \uae30\uad00\uc758 \uc218\uc6a9\ub3c4\uac00 \ub192\uc544\uc84c\uc2b5\ub2c8\ub2e4.<br \/>\n*   P2P(Peer-to-Peer) \ub300\ucd9c: 2025\ub144 \uc804\uccb4 \ub300\ucd9c\ub7c9\uc758 44.12%\ub85c \uc5ec\uc804\ud788 \uac00\uc7a5 \ud070 \ube44\uc911\uc744 \ucc28\uc9c0\ud558\uc9c0\ub9cc, \uae30\uad00 \uc790\uae08 \uc9c0\uc6d0 \uc2dc\uc7a5 \ub300\ucd9c\ub85c \uc9c4\ud654\ud588\uc2b5\ub2c8\ub2e4. LendingClub\uc740 2025\ub144 1\ubd84\uae30\uc5d0 20\uc5b5 \ub2ec\ub7ec \uaddc\ubaa8\uc758 \ub300\ucd9c\uc744 \ucc98\ub9ac\ud588\uc73c\uba70, \ub300\ubd80\ubd84\uc740 \uc219\ub828\ub41c \uc18c\ube44\uc790 \uc2e0\uc6a9\uc744 \ucc3e\ub294 \uc790\uc0b0 \uad00\ub9ac\uc790\ub4e4\uc774 \ub9e4\uc785\ud588\uc2b5\ub2c8\ub2e4. \uc790\uc0b0\uc720\ub3d9\ud654\ub294 P2P \ud50c\ub7ab\ud3fc\uc774 45\uc77c \uc774\ub0b4\uc5d0 \uc790\ubcf8\uc744 \uc7ac\ud65c\uc6a9\ud560 \uc218 \uc788\ub3c4\ub85d \ud558\uc5ec \uc0c8\ub85c\uc6b4 \ubaa8\ub378\uc774 \ub4f1\uc7a5\ud558\ub354\ub77c\ub3c4 \uc810\uc720\uc728\uc744 \uc720\uc9c0\ud558\uac8c \ud569\ub2c8\ub2e4.<br \/>\n*   \uc6b4\uc601 \ud6a8\uc728\uc131: Upstart\uc758 AI \uae30\ubc18 \uc758\uc0ac \uacb0\uc815\uc740 \uac1c\uc778 \ub300\ucd9c \uc2b9\uc778\uc758 92%\ub97c \uc790\ub3d9\ud654\ud569\ub2c8\ub2e4. Affirm\uc758 40\uc5b5 \ub2ec\ub7ec \uaddc\ubaa8\uc758 \ucd5c\uc2e0 \ucc3d\uace0\ub294 3\ub144 \ub0b4 200\uc5b5 \ub2ec\ub7ec \uc774\uc0c1\uc758 \ub300\ucd9c\uc744 \uc9c0\uc6d0\ud560 \uc218 \uc788\ub294 \uc5ec\ub825\uc744 \ud655\ub300\ud558\uba70, \uc0ac\ubaa8 \uc2e0\uc6a9 \uc2dc\uc7a5\uc758 \uae4a\uc740 \uc720\ub3d9\uc131\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4. \uc778\ubcf4\uc774\uc2a4 \uae08\uc735 \ubc0f \uacf5\uae09\ub9dd \uae08\uc735 \ud50c\ub7ab\ud3fc\uc740 \ube14\ub85d\uccb4\uc778\uc744 \ud65c\uc6a9\ud558\uc5ec \ubcc0\uacbd \ubd88\uac00\ub2a5\ud55c \uac10\uc0ac \ucd94\uc801\uc744 \uc81c\uacf5\ud558\uace0, \uc9c0\uae09 \uc8fc\uae30\ub97c \uba87 \uc8fc\uc5d0\uc11c \uba70\uce60\ub85c \ub2e8\ucd95\ud558\uba70 \uc0ac\uae30\ub97c \uc904\uc785\ub2c8\ub2e4.<br \/>\n*   ESG \ud544\ud130: \ub300\ucd9c \uae30\uad00\uc740 \uc778\uc99d\ub41c \uc9c0\uc18d \uac00\ub2a5\ud55c \uad00\ud589\uc744 \uac00\uc9c4 \ucc28\uc785\uc790\uc5d0\uac8c \uae08\ub9ac \ud560\uc778\uc744 \uc81c\uacf5\ud558\ub294 \ub4f1 ESG(\ud658\uacbd, \uc0ac\ud68c, \uc9c0\ubc30\uad6c\uc870) \ud544\ud130\uac00 \uc81c\ud488 \uc124\uacc4\uc5d0 \uc810\uc810 \ub354 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce58\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p> 5.2. \ucd5c\uc885 \uc0ac\uc6a9\uc790\ubcc4: \uc911\uc18c\uae30\uc5c5(SME)\uc758 \uc9c0\ubc30\ub825\uacfc \uc18c\ube44\uc790 \ud601\uc2e0<\/p>\n<p>*   \uc911\uc18c\uae30\uc5c5(SME): 2025\ub144 \ub300\ucd9c\uc758 55.12%\ub97c \ucc28\uc9c0\ud558\uba70, \uc804\ud1b5 \uc740\ud589 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc5d0\uc11c\uc758 \ub0ae\uc740 \ube44\uc911\uacfc \uacf5\uae09\ub9dd \ubcf5\uc6d0\ub825 \ubc0f \uc804\uc790\uc0c1\uac70\ub798 \ud655\uc7a5\uc744 \uc704\ud55c \uc6b4\uc804\uc790\ubcf8\uc758 \uc808\uc2e4\ud55c \ud544\uc694\uc131\uc744 \ubc18\uc601\ud569\ub2c8\ub2e4. \ub300\uccb4 \ub300\ucd9c \uae30\uad00\uc740 \uc2e4\uc2dc\uac04 \uc778\ubcf4\uc774\uc2a4, POS(\ud310\ub9e4 \uc2dc\uc810), \ubb3c\ub958 \ub370\uc774\ud130\ub97c \ud65c\uc6a9\ud558\uc5ec \uc774\uc804\uc5d0 &#8216;\uc2e0\uc6a9 \uae30\ub85d\uc774 \ubd80\uc871\ud55c&#8217; \uac83\uc73c\ub85c \uac04\uc8fc\ub418\uc5c8\ub358 \uc2e0\uccad\uc790\ub97c \ud3c9\uac00\ud558\uc5ec \uac70\ubd80\uc728\uc744 \ub0ae\ucd94\uace0 \uace0\uac1d \ud3c9\uc0dd \uac00\uce58\ub97c \ub192\uc785\ub2c8\ub2e4.<br \/>\n*   \uac1c\uc778 \uc18c\ube44\uc790: AI \uae30\ubc18 \ucc28\ub7c9 \uae08\uc735 \uc54c\uace0\ub9ac\uc998\uc774 \ubbf8\uad6d \uc790\ub3d9\ucc28 \uad6c\ub9e4\uc790\uc758 90%\ub97c \ucee4\ubc84\ud558\uace0, \uc774\uc790 \uc5c6\ub294 \ud560\ubd80\ub97c \uc120\ud638\ud558\ub294 Z\uc138\ub300 \uc0ac\uc774\uc5d0\uc11c BNPL \ucc44\ud0dd\uc774 \uc99d\uac00\ud558\uba74\uc11c 21.25%\uc758 CAGR\ub85c \uac00\uc7a5 \uac00\ud30c\ub978 \uc131\uc7a5\uc138\ub97c \ubcf4\uc785\ub2c8\ub2e4.<br \/>\n*   \ub300\uae30\uc5c5: \uc6b4\uc804\uc790\ubcf8 \uc8fc\uae30\ub97c \ucd5c\uc801\ud654\ud558\uae30 \uc704\ud574 \uc885\uc885 \ucc44\uad8c \uc720\ub3d9\ud654\ub97c \ud1b5\ud574 \ub300\uccb4 \uae08\uc735\uc744 \uc804\uc220\uc801\uc73c\ub85c \ud65c\uc6a9\ud569\ub2c8\ub2e4.<br \/>\n*   \ube44\uc601\ub9ac \ub2e8\uccb4: \uc9c0\uc5ed \uc0ac\ud68c \uc778\ud504\ub77c \ud504\ub85c\uc81d\ud2b8\ub97c \uc704\ud574 \ubbf8\uc158 \uc911\uc2ec\uc758 \ud06c\ub77c\uc6b0\ub4dc\ud380\ub529 \ud3ec\ud138\uc744 \ud65c\uc6a9\ud569\ub2c8\ub2e4.<br \/>\n*   \uc784\ubca0\ub514\ub4dc \uae08\uc735 API: \ud68c\uacc4 \ubc0f ERP(\uc804\uc0ac\uc801 \uc790\uc6d0 \uad00\ub9ac) \uc2a4\uc704\ud2b8\uc5d0 \ud1b5\ud569\ub41c \uc784\ubca0\ub514\ub4dc \uae08\uc735 API\ub294 \uc18c\uaddc\ubaa8 \uae30\uc5c5\uc758 \uc628\ubcf4\ub529 \ub9c8\ucc30\uc744 \uc904\uc5ec \uc5ec\ub7ec \uc9c0\uc5ed \uc81c\uacf5\uc5c5\uccb4\uc5d0\uc11c \uc6d4\ubcc4 \ub450 \uc790\ub9bf\uc218 \uace0\uac1d \ucd94\uac00\uc5d0 \uae30\uc5ec\ud558\uba70 \uc911\uc18c\uae30\uc5c5\uc758 \uc9c0\ubc30\ub825\uc744 \uac15\ud654\ud569\ub2c8\ub2e4.<\/p>\n<p># 6. \uc9c0\uc5ed\ubcc4 \ubd84\uc11d<\/p>\n<p>*   \ubd81\ubbf8: 2025\ub144 \ub9e4\ucd9c\uc758 34.20%\ub97c \ucc28\uc9c0\ud558\uba70, \uc624\ud508 \ub370\uc774\ud130 \uaddc\uc81c\uc640 \uae4a\uc740 \uc720\ub3d9\ud654 \uc2dc\uc7a5\uc774 \uacb0\ud569\ub41c \uacb0\uacfc\uc785\ub2c8\ub2e4. \uc5f0\ubc29 \uc815\ubd80\uc758 \ud2b9\uc815 \uc8fc \uc774\uc790\uc728 \uc81c\ud55c \uc120\uc810\uc740 \uace0\uc218\uc775 \ud560\ubd80 \ub300\ucd9c\uc5d0 \ub300\ud55c \ud1b5\uc77c\ub41c \uc804\uad6d \uc2dc\uc7a5\uc744 \uc870\uc131\ud588\uc2b5\ub2c8\ub2e4. \uce90\ub098\ub2e4\uc758 \uc5f0\ubc29 \uc18c\ub9e4 \uacb0\uc81c \uac10\ub3c5 \ud504\ub808\uc784\uc6cc\ud06c\ub294 2026\ub144\ubd80\ud130 \ube44\uc740\ud589 PSP(\uacb0\uc81c \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4)\uc5d0 \ub77c\uc774\uc120\uc2a4 \uc758\ubb34\ub97c \ud655\ub300\ud560 \uc608\uc815\uc785\ub2c8\ub2e4. \uba55\uc2dc\ucf54\uc758 \ud540\ud14c\ud06c \ubc95\uc740 \ub77c\ud2f4 \uc544\uba54\ub9ac\uce74\uc5d0\uc11c \ub450 \ubc88\uc9f8\ub85c \ud070 \uacbd\uc81c\uc5d0\uc11c \uaddc\uc81c\ub41c \ubc1c\ud310\uc744 \ucc3e\ub294 \uacb0\uc81c \ubc0f \ub300\ucd9c \uc2a4\ud0c0\ud2b8\uc5c5\uc744 \uacc4\uc18d \uc720\uce58\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591: 2026\ub144\uc5d0\uc11c 2031\ub144 \uc0ac\uc774\uc5d0 14.23%\uc758 CAGR\ub85c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \uc9c0\uc5ed\uc73c\ub85c, \ub514\uc9c0\ud138 \uacb0\uc81c\ub7c9\uc758 \ud3ed\ubc1c\uc801\uc778 \uc99d\uac00\uc640 \uc815\ubd80 \uc9c0\uc6d0 \uc624\ud508 \ubc45\ud0b9 \uc758\uc81c\uac00 \uc8fc\ub3c4\ud569\ub2c8\ub2e4. \ud540\ud14c\ud06c \ub9e4\ucd9c\uc740 2021\ub144 2,450\uc5b5 \ub2ec\ub7ec\uc5d0\uc11c 2030\ub144 1\uc870 5\ucc9c\uc5b5 \ub2ec\ub7ec\ub85c \uc99d\uac00\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\uba70, \uc778\ub3c4\uc640 \uc778\ub3c4\ub124\uc2dc\uc544\uac00 \uac00\uc7a5 \ud070 \uc99d\ubd84\ub7c9\uc744 \uae30\ub85d\ud560 \uac83\uc785\ub2c8\ub2e4. \uc2f1\uac00\ud3ec\ub974\uc758 MAS \uacb0\uc81c \uc11c\ube44\uc2a4\ubc95\uc740 \uc5ed\ub0b4 \ub300\ucd9c \uae30\uad00\uc758 \ub2e4\uc911 \uc2dc\uc7a5 \ud655\uc7a5\uc744 \uac04\uc18c\ud654\ud558\ub294 \uc5ec\uad8c \uac00\ub2a5\ud55c \uc804\uc790 \ud654\ud3d0 \ub77c\uc774\uc120\uc2a4\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4.<br \/>\n*   \uc720\ub7fd: PSD3(\uacb0\uc81c \uc11c\ube44\uc2a4 \uc9c0\uce68 3), \uc989\uc2dc \uacb0\uc81c \uc9c0\uce68, \uadf8\ub9ac\uace0 \uc740\ud589\uc774 \uae30\uad00 \ud22c\uc790\uc790\uc640 \ub300\ucd9c \uc704\ud5d8\uc744 \uacf5\uc720\ud560 \uc218 \uc788\ub3c4\ub85d \ud558\ub294 EBA(\uc720\ub7fd \uc740\ud589 \uac10\ub3c5\uccad)\uc758 \uc911\uc694\ud55c \uc704\ud5d8 \uc774\uc804 \uc720\ub3d9\ud654 \ucd94\uc9c4\uc5d0 \ud798\uc785\uc5b4 \uade0\ud615 \uc7a1\ud78c \uae30\ud68c\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc601\uad6d\uc758 \uc18c\ube44\uc790 \uc2e0\uc6a9\ubc95 \uac1c\uc815\uc740 \uc18c\uc561 \ud560\ubd80 \uacc4\ud68d\uc5d0 \ub300\ud55c \uaddc\uce59\uc744 \uac04\uc18c\ud654\ud558\uc5ec BNPL \uce68\ud22c\ub97c \uac00\uc18d\ud654\ud560 \uac00\ub2a5\uc131\uc774 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74: UAE\uc640 \uc0ac\uc6b0\ub514\uc544\ub77c\ube44\uc544\uc758 \uc790\uc720 \uad6c\uc5ed \uaddc\uc81c \ub2f9\uad6d\uc740 90\uc77c \uc774\ub0b4\uc5d0 \ub514\uc9c0\ud138 \uc740\ud589 \uc778\uac00\ub97c \ubd80\uc5ec\ud558\uc5ec \uacb0\uc81c \uc6b0\uc120 \ub300\ucd9c \uae30\uad00 \uac04\uc758 \uad6d\uacbd \uac04 \ud655\uc7a5\uc744 \ucd09\uc9c4\ud569\ub2c8\ub2e4.<br \/>\n*   \ub77c\ud2f4 \uc544\uba54\ub9ac\uce74: \ubca4\ucc98 \uce90\ud53c\ud0c8 \uc758\uc874\ub3c4\uac00 \ub192\uc73c\uba70, 2024\ub144 \uacbd\uae30 \uce68\uccb4\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc9c0\uc5ed VC \uc790\uae08\uc758 40% \uc774\uc0c1\uc744 \ud540\ud14c\ud06c\uac00 \ubc1b\uc558\uc2b5\ub2c8\ub2e4. \ube0c\ub77c\uc9c8\uacfc \ucf5c\ub86c\ube44\uc544\uc758 \uc784\ubca0\ub514\ub4dc \uc2e0\uc6a9 \ucc44\ud0dd\uc774 \uc790\uae08 \uc870\ub2ec \uc8fc\uae30 \ubcc0\ub3d9\uc131\uc744 \uc0c1\uc1c4\ud569\ub2c8\ub2e4.<\/p>\n<p># 7. \uacbd\uc7c1 \ud658\uacbd<\/p>\n<p>\ub300\uccb4 \uae08\uc735 \uc2dc\uc7a5\uc740 \ud30c\ud3b8\ud654\ub41c \uad6c\uc870\ub97c \ubcf4\uc774\uba70, \uc0c1\uc704 5\uac1c \ud50c\ub808\uc774\uc5b4\uac00 \uc804\uccb4 \ub9e4\ucd9c\uc5d0\uc11c \ucc28\uc9c0\ud558\ub294 \ube44\uc911\uc740 \uc0c1\ub300\uc801\uc73c\ub85c \uc791\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub0ae\uc740 \uc9d1\uc911\ub3c4\ub294 \uc81c\ud488 \uc81c\uacf5 \ubc0f \uc9c0\ub9ac\uc801 \ud655\uc7a5 \ubaa8\ub450\uc5d0\uc11c \ud601\uc2e0 \uae30\ud68c\ub97c \ucd09\uc9c4\ud569\ub2c8\ub2e4. LendingClub\uc740 \ud22c\uc790 \ub4f1\uae09 \uc120\ubc18\uc744 \ud1b5\ud574 \uc18c\ube44\uc790 \ub300\ucd9c\uc744 \uc720\ub3d9\ud654\ud558\uc5ec \uc790\uae08 \uc870\ub2ec \ube44\uc6a9\uc744 \uc808\uac10\ud558\uace0, Upstart\ub294 AI \uae30\ubc18 \uc790\ub3d9\ud654\ub97c \ud65c\uc6a9\ud558\uc5ec \ub0ae\uc740 \ub300\ucd9c \ucc98\ub9ac \ube44\uc6a9 \ube44\uc728\uc744 \ud6a8\uc728\uc801\uc73c\ub85c \uc720\uc9c0\ud558\ub294 \ub4f1 \uaddc\ubaa8\uc758 \uc774\uc810\uc774 \ub098\ud0c0\ub0a9\ub2c8\ub2e4.<\/p>\n<p>\uc740\ud589\ub4e4\uc740 \uae30\uc220\uc774 \ud48d\ubd80\ud55c \ud50c\ub7ab\ud3fc\uc758 \uc9c0\ubd84 \uc778\uc218 \ub610\ub294 \uc644\uc804 \uc778\uc218\ub97c \ubaa8\uc0c9\ud558\uba70, \ud540\ud14c\ud06c \uae30\uc5c5\ub4e4\uc740 \ub354 \uc800\ub834\ud55c \uc5f0\ubc29 \uc8fc\ud0dd \ub300\ucd9c \uc740\ud589(FHLB) \uc120\uc9c0\uae09\uc744 \ud655\ubcf4\ud558\uae30 \uc704\ud574 \uc81c\ud55c\uc801 \ubaa9\uc801\uc758 \uc740\ud589 \uc778\uac00\ub97c \uc2e0\uccad\ud569\ub2c8\ub2e4. \ube14\ub85d\uccb4\uc778 \uae30\ubc18 \uc2e4\ubb3c \uc790\uc0b0(RWA) \ud1a0\ud070\ud654\ub294 \uacbd\uc7c1 \uc5ed\ud559\uc744 \uc7ac\ud3b8\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. Figure Technologies\uc640 \uac19\uc740 \ucd08\uae30 \ucc44\ud0dd \uae30\uc5c5\uc740 \ubd84\uc0b0 \uc6d0\uc7a5(DLT)\uc5d0\uc11c \ubaa8\uae30\uc9c0 \ub2f4\ubcf4 \uc99d\uad8c\uc744 \uc644\uc804\ud788 \ubc1c\ud589\ud558\uace0 \uacb0\uc81c\ud558\uc5ec, \ub9c8\uac10 \ud6c4 \uc790\uae08 \uc870\ub2ec\uc744 \uac00\uc18d\ud654\ud558\uace0 \ud22c\uc790\uc790\uc5d0\uac8c \ubcc0\uacbd \ubd88\uac00\ub2a5\ud55c \uac10\uc0ac \ucd94\uc801\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n<p>\uad6d\uacbd \uac04 \uc911\uc18c\uae30\uc5c5 \ucc44\ubb34 \ubc0f \ud5ec\uc2a4\ucf00\uc5b4 \uacf5\uae09\ub9dd \uae08\uc735 \ubd84\uc57c\uc5d0\ub294 \ubbf8\uac1c\ucc99 \uae30\ud68c\uac00 \ud48d\ubd80\ud569\ub2c8\ub2e4. \uc9c0\uc18d \uac00\ub2a5\ud55c \uc778\ud504\ub77c \uae08\uc735\ub3c4 \uc8fc\ubaa9\ubc1b\uace0 \uc788\uc73c\uba70, \ud50c\ub7ab\ud3fc\uc740 \ud0dc\uc591\uad11 \ud328\ub110 OEM\uacfc \ud611\ub825\ud558\uc5ec \uc7a5\ube44 \uc218\uba85 \uc8fc\uae30\uc5d0 \ub9de\ucdb0 \uc0c1\ud658 \uae30\uac04\uc744 \uc870\uc815\ud558\ub294 POS(\ud310\ub9e4 \uc2dc\uc810) \ub300\ucd9c\uc744 \uc81c\uacf5\ud558\uc5ec \ub179\uc0c9 \ucc44\uad8c \uad6c\ub9e4\uc790\ub97c \uc720\uce58\ud569\ub2c8\ub2e4. \uaddc\uc81c \uae30\uc220(RegTech) \uacf5\uae09\uc5c5\uccb4\ub294 \uaddc\uc81c \uc900\uc218 \ud30c\ud3b8\ud654\ub97c \ud65c\uc6a9\ud558\uc5ec \ud50c\ub7ec\uadf8 \uc564 \ud50c\ub808\uc774 \ub77c\uc774\uc120\uc2a4 \uad00\ub9ac \uc194\ub8e8\uc158\uc744 \uc81c\uacf5\ud558\uba70, \uc774\ub294 KYC(\uace0\uac1d \uc54c\uae30) \uc624\ucf00\uc2a4\ud2b8\ub808\uc774\uc158 \uc5d4\uc9c4\uacfc \ud568\uaed8 \ubc88\ub4e4\ub85c \uc81c\uacf5\ub418\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc8fc\uc694 \uc0b0\uc5c5 \ub9ac\ub354\ub85c\ub294 LendingClub, Funding Circle, GoFundMe, Kickstarter, Indiegogo \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p># 8. \ucd5c\uadfc \uc0b0\uc5c5 \ub3d9\ud5a5<\/p>\n<p>*   2025\ub144 7\uc6d4: L\u00e4nsf\u00f6rs\u00e4kringar Bank\ub294 \uc2a4\ud1a1\ud640\ub984 \uae30\ubc18\uc758 \uc800\ucd95 \uc2dc\uc7a5 SAVR\ub97c \uc778\uc218\ud558\uc5ec \ubd81\uc720\ub7fd \uc9c0\uc5ed\uc5d0 10\ub9cc \uba85 \uc774\uc0c1\uc758 \ub514\uc9c0\ud138 \ud22c\uc790\uc790\ub97c \ucd94\uac00\ud588\uc2b5\ub2c8\ub2e4.<br \/>\n*   2025\ub144 6\uc6d4: Ant International\uc740 \ud64d\ucf69\uacfc \uc2f1\uac00\ud3ec\ub974\uc5d0\uc11c \uc0c8\ub85c\uc6b4 \ud504\ub808\uc784\uc6cc\ud06c\uac00 \uc81c\uc815\ub418\uba74 \uc2a4\ud14c\uc774\ube14\ucf54\uc778 \ubc1c\ud589\uc790 \ub77c\uc774\uc120\uc2a4\ub97c \uc2e0\uccad\ud560 \uacc4\ud68d\uc744 \ubc1c\ud45c\ud558\uba70, \uc9c0\uc5ed \ub514\uc9c0\ud138 \uc790\uc0b0 \ud655\uc7a5\uc744 \uc608\uace0\ud588\uc2b5\ub2c8\ub2e4.<br \/>\n*   2024\ub144 10\uc6d4: Upstart\ub294 \uc2e0\uc6a9 \uc810\uc218 720\uc810 \uc774\uc0c1\uc758 \ucc28\uc785\uc790\ub97c \uc704\ud55c T-Prime \ub300\ucd9c \ud504\ub85c\uadf8\ub7a8\uc744 \ub3c4\uc785\ud558\uace0, 14\uac1c \ub300\ucd9c \uae30\uad00\uacfc \ud611\ub825\ud558\uc5ec \uacbd\uc7c1\ub825 \uc788\ub294 \ud504\ub77c\uc784 \uae08\ub9ac\ub85c AI \uae30\ubc18 \uc2b9\uc778\uc744 \uc81c\uacf5\ud588\uc2b5\ub2c8\ub2e4.<br \/>\n*   2024\ub144 3\uc6d4: Viva.com\uc740 \ubca8\uae30\uc5d0, \ub3c5\uc77c, \ub124\ub35c\ub780\ub4dc, \uc2a4\ud398\uc778\uc5d0\uc11c Merchant Advance \ub9e4\ucd9c \uae30\ubc18 \ub300\ucd9c \ud328\ud0a4\uc9c0\ub97c \ucd9c\uc2dc\ud558\uc5ec, \uc778\uc218 \ub370\uc774\ud130\ub97c \uc0ac\uc6a9\ud558\uc5ec \uc790\ub3d9 \uc0c1\ud658\uc744 \uc704\ud55c \uc0ac\uc804 \uc810\uc218\ub97c \ub9e4\uacbc\uc2b5\ub2c8\ub2e4.<\/p>\n<p># 9. \uacb0\ub860<\/p>\n<p>\ub300\uccb4 \uae08\uc735 \uc2dc\uc7a5\uc740 \uc804\ud1b5 \uc740\ud589\uc758 \ud55c\uacc4\ub97c \ubcf4\uc644\ud558\uace0 \uc0c8\ub85c\uc6b4 \uae30\uc220\uacfc \uaddc\uc81c \ud658\uacbd \ubcc0\ud654\uc5d0 \ud798\uc785\uc5b4 \uac15\ub825\ud55c \uc131\uc7a5\uc138\ub97c \ubcf4\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub514\uc9c0\ud138\ud654, \uc624\ud508 \ubc45\ud0b9, \uc790\uc0b0\uc720\ub3d9\ud654 \ud601\uc2e0\uc774 \uc8fc\uc694 \uc131\uc7a5 \ub3d9\ub825\uc73c\ub85c \uc791\uc6a9\ud558\ub294 \ubc18\uba74, \uaddc\uc81c \ud30c\ud3b8\ud654\uc640 \uacbd\uae30 \ub454\ud654 \uc2dc \uc704\ud5d8 \uc99d\uac00\ub294 \ub3c4\uc804 \uacfc\uc81c\ub85c \ub0a8\uc544 \uc788\uc2b5\ub2c8\ub2e4. \ub9e4\ucd9c \uae30\ubc18 \uae08\uc735\uacfc \uc911\uc18c\uae30\uc5c5 \ubc0f \uac1c\uc778 \uc18c\ube44\uc790\ub97c \uc704\ud55c \ud601\uc2e0\uc801\uc778 \uc194\ub8e8\uc158\uc774 \uc2dc\uc7a5\uc744 \uc8fc\ub3c4\ud558\uba70, \ubd81\ubbf8\uc640 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc774 \uc131\uc7a5\uc744 \uacac\uc778\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uacbd\uc7c1 \ud658\uacbd\uc740 \ud30c\ud3b8\ud654\ub418\uc5b4 \uc788\uc9c0\ub9cc, \uae30\uc220\uacfc \uc790\ubcf8 \uc2dc\uc7a5 \uc811\uadfc\uc131\uc744 \ud1b5\ud574 \uaddc\ubaa8\uc758 \uc774\uc810\uc744 \ud655\ubcf4\ud558\ub824\ub294 \ub178\ub825\uc774 \uacc4\uc18d\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ube14\ub85d\uccb4\uc778 \uae30\ubc18 \uc2e4\ubb3c \uc790\uc0b0 \ud1a0\ud070\ud654\uc640 \uac19\uc740 \uc0c8\ub85c\uc6b4 \uae30\uc220\uc740 \uc2dc\uc7a5\uc758 \uc5ed\ud559\uc744 \ubcc0\ud654\uc2dc\ud0a4\uba70, \uc9c0\uc18d \uac00\ub2a5\ud55c \uae08\uc735 \ubc0f \uad6d\uacbd \uac04 \uac70\ub798\uc5d0\uc11c \uc0c8\ub85c\uc6b4 \uae30\ud68c\ub97c \ucc3d\ucd9c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub300\uccb4 \uae08\uc735 \uc2dc\uc7a5 \ubcf4\uace0\uc11c\ub294 \uc8fc\uc694 \uc740\ud589\uc774 \uc81c\uacf5\ud558\ub294 \uc804\ud1b5\uc801\uc778 \uae08\uc735 \uc0c1\ud488 \uc678\uc758 \ubaa8\ub4e0 \uae08\uc735 \uc11c\ube44\uc2a4\ub97c \ud3ec\uad04\ud558\ub294 \ub300\uccb4 \uae08\uc735 \uc2dc\uc7a5\uc5d0 \ub300\ud55c \ud3ec\uad04\uc801\uc778 \ubd84\uc11d\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \ubcf8 \ubcf4\uace0\uc11c\ub294 \ub300\uccb4 \uae08\uc735\uc744 \uae30\uc874 \uc740\ud589\uc758 \uc804\ud1b5\uc801\uc778 \uc0c1\ud488 \ubc94\uc8fc\ub97c \ubc97\uc5b4\ub098\ub294 \ubaa8\ub4e0 \uae08\uc735 \uc11c\ube44\uc2a4\ub85c \uc815\uc758\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5\uc740 2026\ub144 1.42\uc870 \ub2ec\ub7ec \uaddc\ubaa8\uc5d0 \ub3c4\ub2ec\ud588\uc73c\uba70, 2031\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960(CAGR) 9.84%\ub85c \uc131\uc7a5\ud558\uc5ec 2.27\uc870 \ub2ec\ub7ec\uc5d0 \uc774\ub97c \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5 \uc131\uc7a5\uc744 \uacac\uc778\ud558\ub294 \uc8fc\uc694 \uc694\uc778\uc73c\ub85c\ub294 \ub514\uc9c0\ud138 \uc6b0\uc120 \uc911\uc18c\uae30\uc5c5(SME)\uc758 \uc2e0\uc6a9 \uaca9\ucc28 \ud655\ub300, \uc18c\ub9e4 \ud22c\uc790\uc790\ub4e4\uc758 \uc218\uc775\ub960 \ucd94\uad6c \uacbd\ud5a5 \uc2ec\ud654, \uc624\ud508 \ubc45\ud0b9 \ubc0f JOBS Act\uc640 \uac19\uc740 \uaddc\uc81c \ud658\uacbd \ubcc0\ud654, \ub9c8\ucf13\ud50c\ub808\uc774\uc2a4 \ub300\ucd9c\uc758 \uae30\uad00 \ud22c\uc790\uc790 \uc99d\uad8c\ud654 \uc99d\uac00, \uc2e4\ubb3c \uc790\uc0b0\uc758 \ud1a0\ud070\ud654, \uadf8\ub9ac\uace0 \uc740\ud589 \uc790\ubcf8 \uaddc\uc81c \uac15\ud654\ub85c \uc778\ud55c \ud540\ud14c\ud06c \ub300\ucd9c \uae30\uad00\uc73c\ub85c\uc758 \uc774\ub3d9 \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\uba74, \ud30c\ud3b8\ud654\ub41c \uae00\ub85c\ubc8c \uaddc\uc81c \uccb4\uacc4, \uacbd\uae30 \ub454\ud654\uc5d0 \ub530\ub978 \ucc44\ubb34 \ubd88\uc774\ud589 \ubc0f \uc0ac\uae30 \uc704\ud5d8 \uc99d\uac00, \uc608\uae08 \uae30\ubc18 \uc740\ud589 \ub300\ube44 \ub192\uc740 \uc790\ubcf8 \ube44\uc6a9, \ube44\uc740\ud589 \ub300\ucd9c \uae30\uad00\uc744 \uc704\ud55c ABS(\uc790\uc0b0\uc720\ub3d9\ud654\uc99d\uad8c) \ucc3d\uace0 \uc720\ub3d9\uc131 \uc704\ucd95 \ub4f1\uc740 \uc2dc\uc7a5 \uc131\uc7a5\uc744 \uc800\ud574\ud558\ub294 \uc694\uc778\uc73c\ub85c \uc791\uc6a9\ud569\ub2c8\ub2e4.<\/p>\n<p>\ubcf8 \ubcf4\uace0\uc11c\ub294 \ub300\uccb4 \uae08\uc735 \uc2dc\uc7a5\uc744 \uc790\uae08 \uc870\ub2ec \uc720\ud615, \ucd5c\uc885 \uc0ac\uc6a9\uc790, \uadf8\ub9ac\uace0 \uc9c0\uc5ed\ubcc4\ub85c \uc138\ubd84\ud654\ud558\uc5ec \ubd84\uc11d\ud569\ub2c8\ub2e4. \uc790\uae08 \uc870\ub2ec \uc720\ud615\ubcc4\ub85c\ub294 P2P \ub300\ucd9c, \ud06c\ub77c\uc6b0\ub4dc\ud380\ub529(\uc9c0\ubd84, \ubcf4\uc0c1\/\uae30\ubd80), \ub9e4\ucd9c \uae30\ubc18 \uae08\uc735, \uac00\ub9f9\uc810 \ud604\uae08 \uc11c\ube44\uc2a4, \uc1a1\uc7a5 \ubc0f \uacf5\uae09\ub9dd \uae08\uc735, \uae30\ud0c0(BNPL, \uc18c\uc561 \ub300\ucd9c, \uc7a5\ube44 \uae08\uc735) \ub4f1\uc744 \ub2e4\ub8f9\ub2c8\ub2e4. \ud2b9\ud788 \ub9e4\ucd9c \uae30\ubc18 \uae08\uc735\uc740 \uc6d4\ubcc4 \ub9e4\ucd9c\uc5d0 \ub530\ub77c \uc0c1\ud658\uc774 \uc720\uc5f0\ud558\uc5ec 27.26%\uc758 \uac00\uc7a5 \ube60\ub978 \uc131\uc7a5\ub960\uc744 \ubcf4\uc785\ub2c8\ub2e4. \ucd5c\uc885 \uc0ac\uc6a9\uc790\ubcc4\ub85c\ub294 \uac1c\uc778 \uc18c\ube44\uc790, \uc911\uc18c\uae30\uc5c5(SME), \ub300\uae30\uc5c5, \ube44\uc601\ub9ac \ubc0f \uc0ac\ud68c\uc801 \uc601\ud5a5 \uc870\uc9c1\uc73c\ub85c \uad6c\ubd84\ub429\ub2c8\ub2e4. \uc9c0\uc5ed\ubcc4 \ubd84\uc11d\uc740 \ubd81\ubbf8, \ub0a8\ubbf8, \uc720\ub7fd, \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591, \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74\ub97c \ud3ec\ud568\ud558\uba70, \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc740 \ub514\uc9c0\ud138 \uc6b0\uc120 \uc18c\ube44\uc790 \ud589\ub3d9\uacfc \uc9c0\uc6d0\uc801\uc778 \ub77c\uc774\uc120\uc2a4 \uc815\ucc45\uc5d0 \ud798\uc785\uc5b4 14.23%\uc758 \uac00\uc7a5 \ub192\uc740 \uc131\uc7a5\ub960\uc744 \uae30\ub85d\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uacbd\uc7c1 \ud658\uacbd\uc740 \uc0c1\uc704 5\uac1c \uae30\uc5c5\uc758 \ub9e4\ucd9c \uc810\uc720\uc728\uc774 \uc81c\ud55c\uc801\uc774\uba70, \uc774\ub294 \uc2dc\uc7a5 \uc9d1\uc911\ub3c4\uac00 \uc911\uac04 \uc218\uc900\uc784\uc744 \ub098\ud0c0\ub0b4\uc5b4 \ud2c8\uc0c8 \uc2dc\uc7a5 \uc9c4\uc785\uc790\ub4e4\uc5d0\uac8c \uae30\ud68c\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \uaddc\uc81c \ub3d9\ud5a5 \uc911\uc5d0\uc11c\ub294 \uc624\ud508 \ubc45\ud0b9 \uc758\ubb34\ud654\uac00 \ub300\ucd9c \uc2ec\uc0ac \uc815\ud655\ub3c4\ub97c \ub192\uc774\uace0 \ucc28\uc785\uc790 \ud3ec\uc6a9\uc131\uc744 \ud655\ub300\ud558\ub294 \ub370 \uae0d\uc815\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4. \ub610\ud55c, \ub9c8\ucf13\ud50c\ub808\uc774\uc2a4 \ub300\ucd9c ABS \ubc1c\ud589 \uc99d\uac00\uc640 LendingClub\uc758 \ud22c\uc790 \ub4f1\uae09 \uc99d\uad8c\ud654\ub294 \ub300\uccb4 \uae08\uc735\uc5d0 \ub300\ud55c \uae30\uad00\uc758 \uc218\uc6a9\uc774 \ud655\ub300\ub418\uace0 \uc788\uc74c\uc744 \uc2dc\uc0ac\ud569\ub2c8\ub2e4.<\/p>\n<p>\ubcf4\uace0\uc11c\ub294 LendingClub, Funding Circle, GoFundMe, Kickstarter, Ant Group, Klarna \ub4f1 \uc8fc\uc694 \uae30\uc5c5\ub4e4\uc758 \ud504\ub85c\ud544\uacfc \uc2dc\uc7a5 \uc810\uc720\uc728, \uc804\ub7b5\uc801 \uc815\ubcf4, \ucd5c\uadfc \uac1c\ubc1c \uc0ac\ud56d \ub4f1\uc744 \uc0c1\uc138\ud788 \ubd84\uc11d\ud569\ub2c8\ub2e4. \ub610\ud55c, \uc5f0\uad6c \ubc29\ubc95\ub860, \uc2dc\uc7a5 \uac1c\uc694, \uc2dc\uc7a5 \ub3d9\uc778 \ubc0f \uc81c\uc57d, \uac00\uce58\/\uacf5\uae09\ub9dd \ubd84\uc11d, \uaddc\uc81c \ubc0f \uae30\uc220 \uc804\ub9dd, \ud3ec\ud130\uc758 5\uac00\uc9c0 \uacbd\uc7c1 \uc694\uc778 \ubd84\uc11d, \uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc131\uc7a5 \uc608\uce21, \uacbd\uc7c1 \ud658\uacbd, \uc2dc\uc7a5 \uae30\ud68c \ubc0f \ubbf8\ub798 \uc804\ub9dd \ub4f1 \ud3ec\uad04\uc801\uc778 \ub0b4\uc6a9\uc744 \ub2f4\uace0 \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-34601","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\/34601"}],"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=34601"}],"version-history":[{"count":0,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/posts\/34601\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/media?parent=34601"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/categories?post=34601"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/tags?post=34601"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}