{"id":36211,"date":"2026-02-11T02:26:33","date_gmt":"2026-02-11T02:26:33","guid":{"rendered":"https:\/\/www.globalresearch.co.kr\/insight\/micro-lending-market-mordor\/"},"modified":"2026-10-23T02:28:02","modified_gmt":"2026-10-22T17:28:02","slug":"micro-lending-market-mordor","status":"publish","type":"post","link":"https:\/\/www.globalresearch.co.kr\/insight\/micro-lending-market-mordor\/","title":{"rendered":"\uc138\uacc4\uc758 \ub9c8\uc774\ud06c\ub85c\ub860 \uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc810\uc720\uc728 \ubd84\uc11d &#8211; \uc131\uc7a5 \ub3d9\ud5a5 \ubc0f \uc804\ub9dd (2026-2031\ub144)"},"content":{"rendered":"<p><img decoding=\"async\" src=\"https:\/\/www.globalresearch.co.kr\/insight\/wp-content\/uploads\/2026\/02\/micro-lending-market-1750750408125-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\/micro-lending-market-size-image-1768491303921.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 &amp; \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 \ud540\ud14c\ud06c &amp; \ubaa8\ubc14\uc77c \uc6b0\uc120 \uace0\uac1d \ud655\ubcf4 \uae09\uc99d<\/li>\n<li class=\"toc-level-3\">4.2.2 \uc815\ubd80\uc758 \uae08\uc735 \ud3ec\uc6a9 \uc758\ubb34 &amp; \ubcf4\uc870\uae08<\/li>\n<li class=\"toc-level-3\">4.2.3 \uc784\ud329\ud2b8\/ESG \uc5f0\uacc4 \uc18c\uc561 \uc2e0\uc6a9 \uc790\uae08 \uae09\uc99d<\/li>\n<li class=\"toc-level-3\">4.2.4 P2P \/ \ub9c8\ucf13\ud50c\ub808\uc774\uc2a4 \ud50c\ub7ab\ud3fc\uc758 \uc911\uc18c\uae30\uc5c5 \ub300\ucd9c \ud655\uc7a5<\/li>\n<li class=\"toc-level-3\">4.2.5 \uc804\uc790\uc0c1\uac70\ub798 &amp; POS \uacb0\uc81c \uc2dc \uc784\ubca0\ub514\ub4dc \uae08\uc735 \ub300\ucd9c<\/li>\n<li class=\"toc-level-3\">4.2.6 AI \uae30\ubc18 \ub300\uccb4 \ub370\uc774\ud130 \uc2a4\ucf54\uc5b4\ub9c1\uc744 \ud1b5\ud55c &#8220;\uc2e0\uc6a9 \uc774\ub825 \ubd80\uc871&#8221; \ucc28\uc6a9\uc790 \ubc1c\uad74<\/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 \ud32c\ub370\ubbf9 \uc774\ud6c4 \uc704\ud5d8 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 &amp; \uc0c1\uac01 \uae09\uc99d<\/li>\n<li class=\"toc-level-3\">4.3.2 \uae08\ub9ac \uc0c1\ud55c &amp; \uc18c\ube44\uc790 \ubcf4\ud638 \uaddc\uc81c \uac15\ud654<\/li>\n<li class=\"toc-level-3\">4.3.3 \uae30\ud6c4 \ubcc0\ud654\ub85c \uc778\ud55c \ub18d\uc5c5 \ucc28\uc6a9\uc790\uc758 \ub18d\ucd0c \uc9d1\ub2e8 \ucc44\ubb34 \ubd88\uc774\ud589<\/li>\n<li class=\"toc-level-3\">4.3.4 \ubc14\uc824 III \uc704\ud5d8 \uac00\uc911\uce58 \uc778\uc0c1\uc73c\ub85c 2\ub4f1\uae09 MFI\uc758 \uc740\ud589 \uc2e0\uc6a9 \ubd80\uc871<\/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 &amp; \uc131\uc7a5 \uc608\uce21 (\uac00\uce58)<\/p>\n<ul>\n<li class=\"toc-level-2\">5.1 \uae30\uad00\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.1.1 \uc740\ud589<\/li>\n<li class=\"toc-level-3\">5.1.2 \uc18c\uc561 \uae08\uc735 \uae30\uad00(MFI) \ubc0f \uae30\ud0c0<\/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 \uae30\uc5c5<\/li>\n<li class=\"toc-level-3\">5.2.2 \uc18c\ub9e4 (\uc18c\ube44\uc790)<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.3 \ucc44\ub110\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.3.1 \uc628\ub77c\uc778<\/li>\n<li class=\"toc-level-3\">5.3.2 \uc624\ud504\ub77c\uc778<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.4 \uc9c0\uc5ed\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.4.1 \ubd81\ubbf8<\/li>\n<li class=\"toc-level-4\">5.4.1.1 \ubbf8\uad6d<\/li>\n<li class=\"toc-level-4\">5.4.1.2 \uce90\ub098\ub2e4<\/li>\n<li class=\"toc-level-4\">5.4.1.3 \uba55\uc2dc\ucf54<\/li>\n<li class=\"toc-level-3\">5.4.2 \ub0a8\ubbf8<\/li>\n<li class=\"toc-level-4\">5.4.2.1 \ube0c\ub77c\uc9c8<\/li>\n<li class=\"toc-level-4\">5.4.2.2 \uc544\ub974\ud5e8\ud2f0\ub098<\/li>\n<li class=\"toc-level-4\">5.4.2.3 \uce60\ub808<\/li>\n<li class=\"toc-level-4\">5.4.2.4 \ucf5c\ub86c\ube44\uc544<\/li>\n<li class=\"toc-level-4\">5.4.2.5 \ub0a8\ubbf8 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<li class=\"toc-level-3\">5.4.3 \uc720\ub7fd<\/li>\n<li class=\"toc-level-4\">5.4.3.1 \uc601\uad6d<\/li>\n<li class=\"toc-level-4\">5.4.3.2 \ub3c5\uc77c<\/li>\n<li class=\"toc-level-4\">5.4.3.3 \ud504\ub791\uc2a4<\/li>\n<li class=\"toc-level-4\">5.4.3.4 \uc2a4\ud398\uc778<\/li>\n<li class=\"toc-level-4\">5.4.3.5 \uc774\ud0c8\ub9ac\uc544<\/li>\n<li class=\"toc-level-4\">5.4.3.6 \ubca0\ub124\ub8e9\uc2a4 (\ubca8\uae30\uc5d0, \ub124\ub35c\ub780\ub4dc, \ub8e9\uc148\ubd80\ub974\ud06c)<\/li>\n<li class=\"toc-level-4\">5.4.3.7 \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\">5.4.3.8 \uc720\ub7fd \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<li class=\"toc-level-3\">5.4.4 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591<\/li>\n<li class=\"toc-level-4\">5.4.4.1 \uc911\uad6d<\/li>\n<li class=\"toc-level-4\">5.4.4.2 \uc778\ub3c4<\/li>\n<li class=\"toc-level-4\">5.4.4.3 \uc77c\ubcf8<\/li>\n<li class=\"toc-level-4\">5.4.4.4 \ub300\ud55c\ubbfc\uad6d<\/li>\n<li class=\"toc-level-4\">5.4.4.5 \ud638\uc8fc<\/li>\n<li class=\"toc-level-4\">5.4.4.6 \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\">5.4.4.7 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<li class=\"toc-level-3\">5.4.5 \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74<\/li>\n<li class=\"toc-level-4\">5.4.5.1 \uc544\ub78d\uc5d0\ubbf8\ub9ac\ud2b8<\/li>\n<li class=\"toc-level-4\">5.4.5.2 \uc0ac\uc6b0\ub514\uc544\ub77c\ube44\uc544<\/li>\n<li class=\"toc-level-4\">5.4.5.3 \ub0a8\uc544\ud504\ub9ac\uce74 \uacf5\ud654\uad6d<\/li>\n<li class=\"toc-level-4\">5.4.5.4 \ub098\uc774\uc9c0\ub9ac\uc544<\/li>\n<li class=\"toc-level-4\">5.4.5.5 \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 \uc218\uc900 \uac1c\uc694, \uc2dc\uc7a5 \uc218\uc900 \uac1c\uc694, \ud575\uc2ec \ubd80\ubb38, \uc0ac\uc6a9 \uac00\ub2a5\ud55c \uc7ac\ubb34 \uc815\ubcf4, \uc804\ub7b5 \uc815\ubcf4, \uc8fc\uc694 \uae30\uc5c5 \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 \uc561\uc158 \uc778\ud130\ub0b4\uc154\ub110<\/li>\n<li class=\"toc-level-3\">6.4.2 \ube14\ub8e8\ubc14\uc778 Inc.<\/li>\n<li class=\"toc-level-3\">6.4.3 \ud380\ub529 \uc11c\ud074<\/li>\n<li class=\"toc-level-3\">6.4.4 \uce90\ube44\uc9c0 Inc.<\/li>\n<li class=\"toc-level-3\">6.4.5 \uc628\ub371<\/li>\n<li class=\"toc-level-3\">6.4.6 \ud380\ub4dc\ubc15\uc2a4<\/li>\n<li class=\"toc-level-3\">6.4.7 \ub80c\ub529\ud074\ub7fd \uc740\ud589<\/li>\n<li class=\"toc-level-3\">6.4.8 \uc870\ud30c \uc740\ud589 Ltd.<\/li>\n<li class=\"toc-level-3\">6.4.9 \uadf8\ub77c\ubbfc \uc740\ud589<\/li>\n<li class=\"toc-level-3\">6.4.10 \ud0a4\ubc14<\/li>\n<li class=\"toc-level-3\">6.4.11 \ubc18\ub2e8 \uc740\ud589<\/li>\n<li class=\"toc-level-3\">6.4.12 \ud06c\ub808\ub527\uc561\uc138\uc2a4 \uadf8\ub77c\ubbfc<\/li>\n<li class=\"toc-level-3\">6.4.13 \ube44\uc804\ud380\ub4dc \uc778\ud130\ub0b4\uc154\ub110<\/li>\n<li class=\"toc-level-3\">6.4.14 \ubc29\ucf54 \ucf64\ud30c\ub974\ud0c0\ubaa8\uc2a4 (\uc820\ud14c\ub77c)<\/li>\n<li class=\"toc-level-3\">6.4.15 \ud540\uce74 \uc778\ud130\ub0b4\uc154\ub110<\/li>\n<li class=\"toc-level-3\">6.4.16 \uc6b0\uc9c0\ubc18 \uc18c\uc561 \uae08\uc735 \uc740\ud589<\/li>\n<li class=\"toc-level-3\">6.4.17 \ud0c8\ub77c<\/li>\n<li class=\"toc-level-3\">6.4.18 \uc8fc\ubaa8<\/li>\n<li class=\"toc-level-3\">6.4.19 \uce74\ub780\ub2e4\uc988<\/li>\n<li class=\"toc-level-3\">6.4.20 \ubb34\uc18c\ub2c8<\/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>\ub9c8\uc774\ud06c\ub85c \ub300\ucd9c \uc2dc\uc7a5 \uaddc\ubaa8, \uc131\uc7a5 \ub3d9\ud5a5 \ubc0f \uc0b0\uc5c5 \ubd84\uc11d (2031\ub144 \uc804\ub9dd)<\/p>\n<p># 1. \uc2dc\uc7a5 \uac1c\uc694 \ubc0f \uc131\uc7a5 \uc804\ub9dd<\/p>\n<p>\ub9c8\uc774\ud06c\ub85c \ub300\ucd9c \uc2dc\uc7a5\uc740 2025\ub144 2,361\uc5b5 8\ucc9c\ub9cc \ub2ec\ub7ec\uc5d0\uc11c 2026\ub144 2,608\uc5b5 \ub2ec\ub7ec\ub85c \uc131\uc7a5\ud588\uc73c\uba70, 2031\ub144\uc5d0\ub294 4,283\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 10.42%\uc5d0 \ub2ec\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc131\uc7a5\uc740 \ub514\uc9c0\ud138 \uc628\ubcf4\ub529, \ub300\uccb4 \ub370\uc774\ud130 \uae30\ubc18 \uc2e0\uc6a9 \ud3c9\uac00, \uc815\ubd80\uc758 \uae08\uc735 \ud3ec\uc6a9 \uc815\ucc45 \ub4f1\uc774 \uc0c8\ub85c\uc6b4 \ucc28\uc6a9\uc790 \uc9d1\ub2e8\uc744 \uc720\uc785\uc2dc\ud0a4\uba74\uc11c \uac00\uc18d\ud654\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud540\ud14c\ud06c\uc758 \ube44\uc6a9 \ud6a8\uc728\uc131(\uace0\uac1d \ud655\ubcf4 \ube44\uc6a9 60-70% \uc808\uac10)\uc740 \uc9c0\uc810 \uc778\ud504\ub77c\uac00 \ubd80\uc871\ud55c \uc9c0\uc5ed\uc5d0\uc11c \uc2dc\uc7a5\uc758 \ube60\ub978 \ud655\uc7a5\uc744 \uac00\ub2a5\ud558\uac8c \ud569\ub2c8\ub2e4. \ub610\ud55c, \uc784\ud329\ud2b8 \ud22c\uc790 \ubc0f ESG(\ud658\uacbd, \uc0ac\ud68c, \uc9c0\ubc30\uad6c\uc870) \uc5f0\uacc4 \ud380\ub4dc\uc758 \ucc38\uc5ec \uc99d\uac00\ub294 \uc790\ubcf8 \uae30\ubc18\uc744 \ub113\ud788\uace0 \uc788\uc73c\uba70, \uc784\ubca0\ub514\ub4dc \uae08\uc735 \ud30c\ud2b8\ub108\uc2ed\uc740 \ub300\ucd9c\uc744 \uc2e4\uc2dc\uac04 \uacb0\uc81c \uacbd\ud5d8\uc5d0 \ub354\uc6b1 \uac00\uae5d\uac8c \ub9cc\ub4e4\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uadf8\ub7ec\ub098 \ud32c\ub370\ubbf9 \uc774\ud6c4\uc758 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc2a4\ud2b8\ub808\uc2a4\uc640 \uc790\ubcf8 \uc801\uc815\uc131 \uaddc\uc81c \uac15\ud654\ub294 2\ub4f1\uae09 \uae30\uad00\uc758 \uc790\uae08 \uc870\ub2ec\uc744 \uc5b4\ub835\uac8c \ud558\ub294 \uc81c\uc57d \uc694\uc778\uc73c\ub85c \uc791\uc6a9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7fc\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0, \ucda9\ubd84\ud55c \uc790\ubcf8\uc744 \uac16\ucd94\uace0 \uc2e0\ub8b0\ud560 \uc218 \uc788\ub294 \uc704\ud5d8 \ubaa8\ub378\uc744 \ubcf4\uc720\ud55c \uae30\uad00\ub4e4\uc740 \uc9c0\uc18d\uc801\uc73c\ub85c \uc2dc\uc7a5 \uc810\uc720\uc728\uc744 \ud655\ub300\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc740 \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \ub3d9\uc2dc\uc5d0 \uac00\uc7a5 \ud070 \uc2dc\uc7a5\uc73c\ub85c, \uc2dc\uc7a5 \uc9d1\uc911\ub3c4\ub294 \uc911\uac04 \uc218\uc900\uc785\ub2c8\ub2e4.<\/p>\n<p># 2. \uc8fc\uc694 \uc2dc\uc7a5 \ub3d9\uc778 \ubc0f \uc601\ud5a5 \ubd84\uc11d<\/p>\n<p>\ub9c8\uc774\ud06c\ub85c \ub300\ucd9c \uc2dc\uc7a5\uc758 \uc131\uc7a5\uc744 \uacac\uc778\ud558\ub294 \uc8fc\uc694 \ub3d9\uc778\ub4e4\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n<p>*   \ud540\ud14c\ud06c \ubc0f \ubaa8\ubc14\uc77c \uc6b0\uc120 \uace0\uac1d \ud655\ubcf4\uc758 \uae09\uc99d (+2.8% CAGR \uc601\ud5a5): \ubaa8\ubc14\uc77c \uc911\uc2ec\uc758 \ub300\ucd9c \uae30\uad00\ub4e4\uc740 AI\ub97c \ud65c\uc6a9\ud558\uc5ec 7\ub9cc \uac1c \uc774\uc0c1\uc758 \uae30\uae30 \ub370\uc774\ud130\ub97c \ubd84\uc11d\ud568\uc73c\ub85c\uc368 \uc52c-\ud30c\uc77c(thin-file) \ucc28\uc6a9\uc790\uc5d0\uac8c \ub300\ucd9c\uc744 \ub300\uaddc\ubaa8\ub85c \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc774\ub294 \uc9c0\uc810 \ubaa8\ub378 \ub300\ube44 60-70% \ub0ae\uc740 \uace0\uac1d \ud655\ubcf4 \ube44\uc6a9\uc73c\ub85c 40\ub2ec\ub7ec\uc640 \uac19\uc740 \uc18c\uc561 \ub300\ucd9c\ub3c4 \uc218\uc775\uc131 \uc788\uac8c \ub9cc\ub4e4\uba70, \uc5f0\uccb4\uc728\uc744 5% \uc218\uc900\uc73c\ub85c \uc720\uc9c0\ud569\ub2c8\ub2e4. \ud2b9\ud788 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \ubc0f \ub77c\ud2f4 \uc544\uba54\ub9ac\uce74 \uc9c0\uc5ed\uc5d0\uc11c \uc911\uae30\uc801\uc73c\ub85c \uc2dc\uc7a5 \uc131\uc7a5\uc5d0 \uae0d\uc815\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4.<br \/>\n*   \uc815\ubd80\uc758 \uae08\uc735 \ud3ec\uc6a9 \uc815\ucc45 \ubc0f \ubcf4\uc870\uae08 (+2.1% CAGR \uc601\ud5a5): \uc778\ub3c4\uc758 Open Credit Enablement Network\ub098 \ubbf8\uad6d\uc758 National Strategy for Financial Inclusion\uacfc \uac19\uc740 \uc815\ucc45\ub4e4\uc740 \uc628\ubcf4\ub529 \ub9c8\ucc30\uc744 \uc904\uc774\uace0, \ub370\uc774\ud130 \uacf5\uc720\ub97c \ud45c\uc900\ud654\ud558\uba70, \ub300\ucd9c \uae30\uad00\uc758 \uc704\ud5d8\uc744 \uc904\uc774\ub294 \ubcf4\uc99d \uc81c\ub3c4\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \ubb34\ub2f4\ubcf4 \ubcf4\uc99d \ud504\ub85c\uadf8\ub7a8\uc740 \uc774\ubbf8 \ucc9c\ub9cc \uac74\uc758 \ub300\ucd9c\uc744 \uc9c0\uc6d0\ud558\uba70 \ub9c8\uc774\ud06c\ub85c \ub300\ucd9c \uc2dc\uc7a5\uc758 \uc8fc\uc694 \ubd80\ubd84\uc778 \uae30\uc5c5 \ub300\ucd9c \uc218\uc694\ub97c \ucd09\uc9c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uc2e0\ud765 \uc2dc\uc7a5, \ud2b9\ud788 \uc778\ub3c4, \ubc29\uae00\ub77c\ub370\uc2dc, \uc0ac\ud558\ub77c \uc774\ub0a8 \uc544\ud504\ub9ac\uce74\uc5d0\uc11c \uc7a5\uae30\uc801\uc73c\ub85c \uc911\uc694\ud55c \ub3d9\uc778\uc785\ub2c8\ub2e4.<br \/>\n*   \uc784\ud329\ud2b8\/ESG \uc5f0\uacc4 \ub9c8\uc774\ud06c\ub85c \uc2e0\uc6a9 \ud380\ub4dc\uc758 \uae09\uc99d (+1.4% CAGR \uc601\ud5a5): \uc784\ud329\ud2b8 \ud22c\uc790\uc790\ub4e4\uc740 \ub300\ucd9c \uc7a5\ubd80 \uc218\uc900\uc5d0\uc11c \uce21\uc815 \uac00\ub2a5\ud55c \uc131\ubcc4, \uae30\ud6c4, \ube48\uace4 \uc9c0\ud45c\uc5d0 \ub530\ub77c \ud3ec\uc6a9\uc801 \uae08\uc735\uc5d0 \uc0c8\ub85c\uc6b4 \uc790\ubcf8\uc744 \ud22c\uc785\ud569\ub2c8\ub2e4. \ub179\uc0c9 \ub300\ucd9c \ucc3d\uad6c\ub294 \ubc30\ucd9c\ub7c9 \uac10\ucd95 \ub610\ub294 \uc5ec\uc131 \uae30\uc5c5\uac00 \uc815\uc2e0 \uc99d\uc9c4 \ud504\ub85c\uc81d\ud2b8\uc5d0 \ubcf4\uc0c1\uc744 \uc81c\uacf5\ud558\uc5ec \ucc28\uc6a9\uc790\ub4e4\uc774 \ub354 \ub0ae\uc740 \uae08\ub9ac\ub85c \uc790\uae08\uc744 \ud655\ubcf4\ud558\ub3c4\ub85d \ub3d5\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uc804 \uc138\uacc4\uc801\uc73c\ub85c, \ud2b9\ud788 \ubd81\ubbf8\uc640 \uc720\ub7fd\uc5d0\uc11c \uc911\uae30\uc801\uc73c\ub85c \uc2dc\uc7a5 \uc131\uc7a5\uc5d0 \uae30\uc5ec\ud569\ub2c8\ub2e4.<br \/>\n*   P2P\/\ub9c8\ucf13\ud50c\ub808\uc774\uc2a4 \ud50c\ub7ab\ud3fc\uc758 \uc911\uc18c\uae30\uc5c5(MSE) \ub300\ucd9c \ud655\uc7a5 (+1.2% CAGR \uc601\ud5a5): \uc6d0\ub798 \uc18c\ube44\uc790 \uc2e0\uc6a9\uc744 \uc704\ud574 \uad6c\ucd95\ub41c \ub9c8\ucf13\ud50c\ub808\uc774\uc2a4 \ub300\ucd9c \uae30\uad00\ub4e4\uc740 4\uc870 9\ucc9c\uc5b5 \ub2ec\ub7ec \uaddc\ubaa8\uc758 \uc2e0\uc6a9 \uaca9\ucc28\ub97c \ud574\uc18c\ud558\uae30 \uc704\ud574 \ub9c8\uc774\ud06c\ub85c \uae30\uc5c5 \uae08\uc735\uc73c\ub85c \uc804\ud658\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub3c5\uc810\uc801\uc778 \ud604\uae08 \ud750\ub984 \uc2ec\uc0ac \ubc0f \uc804\uc790\uc0c1\uac70\ub798 \uc0ac\uc774\ud2b8\uc640\uc758 API \uc5f0\uacb0\uc740 \uc2b9\uc778 \uc8fc\uae30\ub97c \uba70\uce60\uc5d0\uc11c \uba87 \ubd84\uc73c\ub85c \ub2e8\ucd95\ud558\uc5ec \ud50c\ub7ab\ud3fc\uc774 \ube60\ub978 \ud68c\uc804\uc728\uc758 \uc6b4\uc804\uc790\ubcf8 \uc218\uc694\ub97c \ud3ec\ucc29\ud560 \uc218 \uc788\ub3c4\ub85d \ud569\ub2c8\ub2e4. \uc774\ub294 \uc120\uc9c4 \uc2dc\uc7a5\uc5d0\uc11c \uc2e0\ud765 \uacbd\uc81c\uad6d\uc73c\ub85c \ud655\uc7a5\ub418\uba70 \ub2e8\uae30\uc801\uc73c\ub85c \uc2dc\uc7a5 \uc131\uc7a5\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4.<br \/>\n*   \uc804\uc790\uc0c1\uac70\ub798 \ubc0f POS \uacb0\uc81c \uc2dc \uc784\ubca0\ub514\ub4dc \uae08\uc735 \ub300\ucd9c (+0.9% CAGR \uc601\ud5a5): \uc784\ubca0\ub514\ub4dc \uae08\uc735\uc740 \ub300\ucd9c \uc81c\uc548\uc744 \uc804\uc790\uc0c1\uac70\ub798 \uacb0\uc81c \uacfc\uc815\uc5d0 \ud1b5\ud569\ud558\uc5ec \uc758\uc0ac \uacb0\uc815 \uc2dc\uac04\uc744 \uba87 \ucd08\ub85c \ub2e8\ucd95\ud558\uace0 \ub514\uc9c0\ud138 \ub124\uc774\ud2f0\ube0c \uc80a\uc740 \uc138\ub300\ub85c\uc758 \ub3c4\ub2ec \ubc94\uc704\ub97c \ub113\ud799\ub2c8\ub2e4. \uc774\ub294 \ubd81\ubbf8, \uc720\ub7fd, \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591\uc758 \ub3c4\uc2dc \uc911\uc2ec\uc9c0\uc5d0\uc11c \ub2e8\uae30\uc801\uc73c\ub85c \uc2dc\uc7a5 \uc131\uc7a5\uc5d0 \uae30\uc5ec\ud569\ub2c8\ub2e4.<br \/>\n*   AI \uae30\ubc18 \ub300\uccb4 \ub370\uc774\ud130 \ud3c9\uac00\ub97c \ud1b5\ud55c \uc52c-\ud30c\uc77c \ucc28\uc6a9\uc790 \ubc1c\uad74 (+1.8% CAGR \uc601\ud5a5): AI \uae30\ubc18 \ub300\uccb4 \ub370\uc774\ud130 \ud3c9\uac00\ub294 \uc804\ud1b5\uc801\uc778 \uc2e0\uc6a9 \uae30\ub85d\uc774 \ubd80\uc871\ud55c \ucc28\uc6a9\uc790\ub4e4\uc5d0\uac8c \ub300\ucd9c \uae30\ud68c\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc774\ub294 \uc804 \uc138\uacc4\uc801\uc73c\ub85c, \ud2b9\ud788 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \ubc0f \ub77c\ud2f4 \uc544\uba54\ub9ac\uce74\uc5d0\uc11c \uc911\uae30\uc801\uc73c\ub85c \uac00\uc7a5 \ube60\ub974\uac8c \ucc44\ud0dd\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p># 3. \uc2dc\uc7a5 \uc131\uc7a5 \uc800\ud574 \uc694\uc778 \ubc0f \uc601\ud5a5 \ubd84\uc11d<\/p>\n<p>\ub9c8\uc774\ud06c\ub85c \ub300\ucd9c \uc2dc\uc7a5\uc758 \uc131\uc7a5\uc744 \uc5b5\uc81c\ud558\ub294 \uc8fc\uc694 \uc694\uc778\ub4e4\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n<p>*   \ud32c\ub370\ubbf9 \uc774\ud6c4 \uc704\ud5d8 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ubc0f \uc0c1\uac01\uc758 \uae09\uc99d (-1.8% CAGR \uc601\ud5a5): \ubd09\uc1c4 \uc870\uce58\ub294 \uc218\ubc31\ub9cc \ub9c8\uc774\ud06c\ub85c \uae30\uc5c5\uac00\uc758 \ud604\uae08 \ud750\ub984\uc744 \ubc29\ud574\ud558\uc5ec PAR30(30\uc77c \uc774\uc0c1 \uc5f0\uccb4\uc728) \ube44\uc728\uc744 \uc218\ub144 \ub9cc\uc5d0 \ucd5c\uace0\uce58\ub85c \ub04c\uc5b4\uc62c\ub9ac\uace0 \ub300\ucd9c \uae30\uad00\uc774 \ub300\ucd9c \uc7a5\ubd80\uc758 \uc0c1\ub2f9 \ubd80\ubd84\uc744 \uc7ac\uc870\uc815\ud558\ub3c4\ub85d \uac15\uc694\ud588\uc2b5\ub2c8\ub2e4. 2024\ub144 \uc544\ud504\ub9ac\uce74\uc758 \uc5f0\uccb4\uc728\uc740 6.7%\ub85c \uc804 \uc138\uacc4 \ud3c9\uade0 4.1%\ub97c \ud6e8\uc52c \uc6c3\ub3cc\uc558\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uc804 \uc138\uacc4\uc801\uc73c\ub85c, \ud2b9\ud788 \uc0ac\ud558\ub77c \uc774\ub0a8 \uc544\ud504\ub9ac\uce74\uc640 \ub0a8\uc544\uc2dc\uc544\uc5d0\uc11c \ub2e8\uae30\uc801\uc73c\ub85c \uc2dc\uc7a5 \uc131\uc7a5\uc5d0 \ubd80\uc815\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4.<br \/>\n*   \uae08\ub9ac \uc0c1\ud55c\uc81c \ubc0f \uc18c\ube44\uc790 \ubcf4\ud638 \uaddc\uc81c \uac15\ud654 (-1.2% CAGR \uc601\ud5a5): \ucf00\ub0d0, \uc778\ub3c4\ub124\uc2dc\uc544 \ubc0f \ub77c\ud2f4 \uc544\uba54\ub9ac\uce74 \uc77c\ubd80 \uc9c0\uc5ed\uc758 \uc0c8\ub85c\uc6b4 \uace0\ub9ac\ub300\uae08 \uc0c1\ud55c\uc81c\ub294 \uac00\uc7a5 \uc704\ud5d8\ud55c \uace0\uac1d\uc5d0\uac8c \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\ub294 \ub300\ucd9c \uae30\uad00\uc758 \uc21c\uc774\uc790 \ub9c8\uc9c4\uc744 \uc555\ubc15\ud569\ub2c8\ub2e4. \ub3d9\uc2dc\uc5d0 \ubc14\uc824 III \ubc0f DORA(\ub514\uc9c0\ud138 \uc6b4\uc601 \ubcf5\uc6d0\ub825\ubc95)\uc5d0\uc11c \ud30c\uc0dd\ub41c \uc6b4\uc601 \ubcf5\uc6d0\ub825 \ubc0f \uae30\ud6c4 \uc704\ud5d8 \uaddc\uc81c\ub294 \uaddc\uc815 \uc900\uc218 \ube44\uc6a9\uc744 \uc99d\uac00\uc2dc\ud0b5\ub2c8\ub2e4. \uc774\ub294 \uc120\uc9c4 \uc2dc\uc7a5 \ubc0f \uc131\uc219\ud55c \uaddc\uc81c \ud504\ub808\uc784\uc6cc\ud06c\ub97c \uac00\uc9c4 \uc2e0\ud765 \uacbd\uc81c\uad6d\uc5d0\uc11c \uc911\uae30\uc801\uc73c\ub85c \uc2dc\uc7a5 \uc131\uc7a5\uc744 \uc800\ud574\ud569\ub2c8\ub2e4.<br \/>\n*   \uae30\ud6c4 \ubcc0\ud654\ub85c \uc778\ud55c \ub18d\uc5c5 \ucc28\uc6a9\uc790 \uc5f0\uccb4 \uc99d\uac00 (-0.9% CAGR \uc601\ud5a5): \uae30\ud6c4 \ubcc0\ud654\ub85c \uc778\ud55c \uc791\ubb3c \uc2e4\ud328\ub294 \ub18d\ucd0c \uc9c0\uc5ed, \ud2b9\ud788 \ub0a8\uc544\uc2dc\uc544 \ubc0f \uc0ac\ud558\ub77c \uc774\ub0a8 \uc544\ud504\ub9ac\uce74\uc758 \uae30\ud6c4 \ucde8\uc57d \uc9c0\uc5ed\uc5d0\uc11c \ub18d\uc5c5 \ucc28\uc6a9\uc790\uc758 \uc5f0\uccb4\ub97c \uc99d\uac00\uc2dc\ud0b5\ub2c8\ub2e4. \uc774\ub294 \uc7a5\uae30\uc801\uc73c\ub85c \uc2dc\uc7a5 \uc131\uc7a5\uc5d0 \ubd80\uc815\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4.<br \/>\n*   \ubc14\uc824 III \uc704\ud5d8 \uac00\uc911\uce58 \uc778\uc0c1\uc73c\ub85c \uc778\ud55c 2\ub4f1\uae09 MFI\uc758 \uc740\ud589 \uc2e0\uc6a9 \ubd80\uc871 (-1.4% CAGR \uc601\ud5a5): \ubc14\uc824 III\uc758 \uc704\ud5d8 \uac00\uc911\uce58 \uc778\uc0c1\uc740 2\ub4f1\uae09 \ub9c8\uc774\ud06c\ub85c \uae08\uc735 \uae30\uad00(MFI)\uc774 \uc740\ud589 \uc2e0\uc6a9\uc744 \ud655\ubcf4\ud558\uae30 \uc5b4\ub835\uac8c \ub9cc\ub4ed\ub2c8\ub2e4. \uc774\ub294 \uc804 \uc138\uacc4\uc801\uc73c\ub85c, \ud2b9\ud788 \uc720\ub7fd MFI\uc5d0 \uac00\uc7a5 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce58\uba70 \uc911\uae30\uc801\uc73c\ub85c \uc2dc\uc7a5 \uc131\uc7a5\uc744 \uc800\ud574\ud569\ub2c8\ub2e4.<\/p>\n<p># 4. \uc138\uadf8\uba3c\ud2b8\ubcc4 \ubd84\uc11d<\/p>\n<p> 4.1. \uae30\uad00\ubcc4: MFI\uc758 \uc804\ubb38\uc131 \uc8fc\ub3c4<\/p>\n<p>*   \ub9c8\uc774\ud06c\ub85c \uae08\uc735 \uae30\uad00(MFI) \ubc0f \uae30\ud0c0 \ube44\uc740\ud589 \ub300\ucd9c \uae30\uad00: 2025\ub144 \ub9c8\uc774\ud06c\ub85c \ub300\ucd9c \uc2dc\uc7a5 \uc810\uc720\uc728\uc758 61.45%\ub97c \ucc28\uc9c0\ud588\uc73c\uba70, 2031\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 12.28% \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uc774 \ubd80\ubb38\uc758 \uc9c0\ubc30\ub825\uc740 \ub0ae\uc740 \uc6b4\uc601 \ube44\uc6a9, \ubbf8\uc158 \uc9c0\ud5a5\uc801 \uc790\uae08 \uc870\ub2ec, \uc52c-\ud30c\uc77c \ucc28\uc6a9\uc790\ub4e4 \uc0ac\uc774\uc5d0\uc11c \ucda9\uc131\ub3c4\ub97c \uc720\uc9c0\ud558\ub294 \ud604\uc7a5 \uc694\uc6d0\uc758 \uce5c\ubc00\uc131\uc5d0 \ubfcc\ub9ac\ub97c \ub450\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud2b9\uc131\uc740 \uc2e0\uc18d\ud55c \ub300\ucd9c \uc2e4\ud589\uacfc \uc720\uc5f0\ud55c \uc0c1\ud658 \uc635\uc158\uc73c\ub85c \uc774\uc5b4\uc838, MFI\uac00 \uc720\uc0ac\ud55c \ub300\ucd9c \uaddc\ubaa8\uc5d0\uc11c \uc740\ud589\ubcf4\ub2e4 10-15%p\uc758 \ube44\uc6a9 \ub300\ube44 \uc218\uc775 \uc6b0\uc704\ub97c \uac00\uc9c8 \uc218 \uc788\ub3c4\ub85d \ud569\ub2c8\ub2e4.<br \/>\n*   \uc740\ud589: \ud30c\ud2b8\ub108\uc2ed, \uc790\ud68c\uc0ac, \uc790\uc0b0\uc720\ub3d9\ud654 \ucc44\ub110\uc744 \ud1b5\ud574 \uc2dc\uc7a5\uc5d0\uc11c \uad00\ub828\uc131\uc744 \uc720\uc9c0\ud569\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc720\ub7fd 1\uadf8\ub8f9 \uc740\ud589\uc5d0 \ub300\ud55c \ubc14\uc824 III \uc790\ubcf8 \uc778\ud50c\ub808\uc774\uc158(4.9%)\uc740 \ud76c\uc18c\ud55c \ub300\ucd9c \uc5ec\ub825\uc744 \uc800\uc704\ud5d8 \uc790\uc0b0\uad70\uc73c\ub85c \uc804\ud658\uc2dc\ucf1c, \uac04\uc811\uc801\uc73c\ub85c \uc18c\uaddc\ubaa8 \ucc28\uc6a9\uc790\ub4e4\uc744 \uc804\ubb38 MFI\ub85c \uc720\ub3c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub8e9\uc148\ubd80\ub974\ud06c\uc640 \uac19\uc740 \uc790\uc0b0\uc720\ub3d9\ud654 \ud5c8\ube0c\ub294 \uc219\uc131\ub41c \ub9c8\uc774\ud06c\ub85c \ub300\ucd9c \ud480\uc744 \uac70\ub798 \uac00\ub2a5\ud55c \uc0c1\ud488\uc73c\ub85c \uc804\ud658\ud558\uc5ec \uc720\ub3d9\uc131 \ubc38\ube0c \uc5ed\ud560\uc744 \ud558\uba70, \uc774\ub294 \ud604\uc7ac 2\ucc28 \uc2dc\uc7a5\uc5d0\uc11c \uac70\ub798\ub418\ub294 \ub9c8\uc774\ud06c\ub85c \ub300\ucd9c \uc2dc\uc7a5 \uaddc\ubaa8\uc758 \uc57d 8%\ub97c \ucc28\uc9c0\ud569\ub2c8\ub2e4.<\/p>\n<p> 4.2. \ucd5c\uc885 \uc0ac\uc6a9\uc790\ubcc4: \uae30\uc5c5 \ub300\ucd9c\uc774 \uc131\uc7a5\uc744 \uacac\uc778<\/p>\n<p>*   \uae30\uc5c5 \ub300\ucd9c: 2025\ub144 \ub9c8\uc774\ud06c\ub85c \ub300\ucd9c \uc2dc\uc7a5\uc758 65.10%\ub97c \ucc28\uc9c0\ud588\uc73c\uba70, 11.08%\uc758 CAGR\ub85c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4. \uc774\ub294 \uc9c0\uc5ed \uace0\uc6a9\uc744 \ucc3d\ucd9c\ud558\ub294 \ub9c8\uc774\ud06c\ub85c \uae30\uc5c5\ub4e4\uc758 \uc2ec\uac01\ud55c \uc2e0\uc6a9 \uaca9\ucc28\ub97c \ubc18\uc601\ud569\ub2c8\ub2e4. \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\ub9cc \ud574\ub3c4 \uc804\uccb4 \uc0ac\uc5c5\uccb4 \uc911 98.7%\uac00 \ub9c8\uc774\ud06c\ub85c, \uc911\uc18c\uae30\uc5c5\uc774\uba70, \uc774\ub294 \uc804\ud1b5\uc801\uc778 \uc740\ud589\uc774 \ucda9\uc871\uc2dc\ud0a4\uc9c0 \ubabb\ud558\ub294 \uc9c0\uc18d\uc801\uc778 \uc6b4\uc804\uc790\ubcf8 \uc218\uc694\ub85c \uc774\uc5b4\uc9d1\ub2c8\ub2e4. \ubb34\ub2f4\ubcf4 \ubcf4\uc99d \uc81c\ub3c4\uc640 \uc1a1\uc7a5 \uae08\uc735 API\ub294 \uc774\uc81c 48\uc2dc\uac04 \uc774\ub0b4\uc5d0 \uc790\ubcf8\uc744 \uc870\ub2ec\ud558\uc5ec \ub9c8\uc774\ud06c\ub85c \ub300\ucd9c \uc2dc\uc7a5 \ub0b4\uc5d0\uc11c \uae30\uc5c5 \ub300\ucd9c \uc810\uc720\uc728\uc744 \ub192\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc18c\ub9e4 \ub9c8\uc774\ud06c\ub85c \uc2e0\uc6a9: \uc5ec\uc804\ud788 \uc911\uc694\ud55c \uae08\uc735 \ud3ec\uc6a9\uc758 \uad00\ubb38\uc774\uc9c0\ub9cc, \uaddc\uc81c \ub2f9\uad6d\uc740 \uc18c\ube44 \ubaa9\uc801 \ub300\ucd9c\uc5d0\uc11c \uc18c\ub4dd \ucc3d\ucd9c \ubaa9\uc801 \ub300\ucd9c\ub85c\uc758 \uc804\ud658\uc744 \uc810\uc810 \ub354 \uc7a5\ub824\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub514\uc9c0\ud138 \uae09\uc5ec \uc5f0\ub3d9, \uc7ac\uace0 \ubd84\uc11d, \uacf5\uae09\ub9dd \ub370\uc774\ud130\ub294 \ub300\ucd9c \uae30\uad00\uc774 \ud604\uae08 \ud750\ub984 \uae30\ubc18 \uc0c1\ud658\uc744 \uad6c\uc131\ud558\ub294 \ub370 \ub3c4\uc6c0\uc744 \uc8fc\uc5b4, \uade0\ub4f1 \ubd84\ud560 \uc0c1\ud658 \uc18c\ube44\uc790 \uc0c1\ud488\uc5d0 \ube44\ud574 \uc5f0\uccb4 \uc704\ud5d8\uc744 200-300bp \ub0ae\ucda5\ub2c8\ub2e4. \uc815\ucc45\uacfc \uae30\uc220\uc758 \uc735\ud569\uc740 \ub9c8\uc774\ud06c\ub85c \uae30\uc5c5 \uae08\uc735\uc744 \ub9c8\uc774\ud06c\ub85c \ub300\ucd9c \uc2dc\uc7a5 \uc218\uc694\uc758 \ucd5c\uc804\uc120\uc5d0 \ub450\uac8c \ud569\ub2c8\ub2e4.<\/p>\n<p> 4.3. \ucc44\ub110\ubcc4: \uc628\ub77c\uc778 \ucc44\ub110\uc758 \uac00\uc18d\ud654\ub41c \ucc44\ud0dd<\/p>\n<p>*   \uc624\ud504\ub77c\uc778 \ucc44\ub110: 2025\ub144 \ub9c8\uc774\ud06c\ub85c \ub300\ucd9c \uc2dc\uc7a5\uc758 61.30%\ub97c \ucc28\uc9c0\ud588\uc9c0\ub9cc, \uc2a4\ub9c8\ud2b8\ud3f0\uc774 \uc0ac\uc2e4\uc0c1\uc758 \uc9c0\uc810\uc774 \ub418\uba74\uc11c \uc628\ub77c\uc778 \ucc44\ub110\uc740 10\ub144 \ub9d0\uae4c\uc9c0 14.19%\uc758 CAGR\ub85c \ud655\uc7a5\ub420 \uc608\uc815\uc785\ub2c8\ub2e4. \ub514\uc9c0\ud138 \ucc44\ud0dd\uc740 1\uc778\ub2f9 GDP\ub97c 0.10%p \uc9c1\uc811\uc801\uc73c\ub85c \ub192\uc774\uace0 \ube44\uacf5\uc2dd \uace0\uc6a9\uc744 0.06%p \uc904\uc5ec \uc628\ub77c\uc778 \ub300\ucd9c \uc2e4\ud589\uc73c\ub85c\uc758 \uad6c\uc870\uc801 \uc804\ud658\uc744 \uac15\ud654\ud569\ub2c8\ub2e4. \ucc28\uc6a9\uc790\uac00 \uc804\uc790 \uc9c0\uac11\uc744 \ud1b5\ud574 \uc0c1\ud658\ud560 \ub54c \uc790\ub3d9 \uc54c\ub9bc \ubc0f \uc0dd\uccb4 \uc778\uc2dd \ub85c\uadf8\uc778\uc774 \uc815\uc2dc \uc0c1\ud658\uc728\uc744 \ucd5c\ub300 8%p \ub192\uc5ec \ub9c8\uc774\ud06c\ub85c \ub300\ucd9c \uc2dc\uc7a5\uc5d0 \uc774\uc810\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<br \/>\n*   \uc628\ub77c\uc778 \ucc44\ub110: \ub0ae\uc740 \ubb38\ud574\uc728 \uc9c0\uc5ed\uc5d0\uc11c\ub294 \uc2e0\ub8b0\uac00 \uc5ec\uc804\ud788 \uc7a5\ubcbd\uc73c\ub85c \uc791\uc6a9\ud558\ubbc0\ub85c, \uc120\ub3c4\uc801\uc778 MFI\ub4e4\uc740 \ud604\uc7a5 \uc694\uc6d0 \ubc29\ubb38\uacfc \uc778\uc571 \ud29c\ud1a0\ub9ac\uc5bc\uc744 \uacb0\ud569\ud558\uc5ec \uccab \uc0ac\uc6a9\uc790\uc5d0\uac8c \uc0dd\uccb4 \uc778\uc2dd \uc628\ubcf4\ub529\uc744 \uc548\ub0b4\ud569\ub2c8\ub2e4. \uc784\ubca0\ub514\ub4dc \uae08\uc735 \ub3c4\uad6c\ub294 \uc804\uc790\uc0c1\uac70\ub798 \uacb0\uc81c \uc2dc \ub300\ucd9c \uc81c\uc548\uc744 \ub354\uc6b1 \ud1b5\ud569\ud558\uc5ec \uc758\uc0ac \uacb0\uc815 \uc2dc\uac04\uc744 \uba87 \ucd08\ub85c \ub2e8\ucd95\ud558\uace0 \ub514\uc9c0\ud138 \ub124\uc774\ud2f0\ube0c \uc80a\uc740 \uc138\ub300\ub85c\uc758 \ub3c4\ub2ec \ubc94\uc704\ub97c \ub113\ud799\ub2c8\ub2e4. \ud0c0\uc9c0\ud0a4\uc2a4\ud0c4\uc758 Bank Arvand\uc758 \ub514\uc9c0\ud138 \uc5c5\uadf8\ub808\uc774\ub4dc\ub294 \uc140\ud504 \uc11c\ube44\uc2a4 \uac70\ub798\ub97c 65%\uae4c\uc9c0 \ub04c\uc5b4\uc62c\ub824, \ud558\uc774\ube0c\ub9ac\ub4dc \ubaa8\ub378\uc774 \ub18d\ucd0c \uace0\uac1d\uc744 \uc18c\uc678\uc2dc\ud0a4\uc9c0 \uc54a\uace0 \uc810\uc720\uc728\uc744 \ub192\uc77c \uc218 \uc788\uc74c\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.<\/p>\n<p># 5. \uc9c0\uc5ed\ubcc4 \ubd84\uc11d<\/p>\n<p>*   \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591: 2025\ub144 \ub9c8\uc774\ud06c\ub85c \ub300\ucd9c \uc2dc\uc7a5 \uc810\uc720\uc728\uc758 43.20%\ub97c \ucc28\uc9c0\ud588\uc73c\uba70, 2031\ub144\uae4c\uc9c0 12.74%\uc758 CAGR\ub85c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \ub9c9\ub300\ud55c \ubbf8\uac70\ub798 \uc778\uad6c\uc640 \uc778\ub3c4\uc758 UPI\uc640 \uac19\uc740 \uc2e4\uc2dc\uac04 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc740 \uc2dc\uc7a5 \ud655\uc7a5\uc744 \uc704\ud55c \ube44\uc625\ud55c \ud1a0\uc591\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. Jan Dhan \uacc4\uc88c\uac00 5\uc5b5 \uac1c\ub97c \ub118\uc5b4\uc11c\uba74\uc11c \uc815\ubd80 \ud504\ub85c\uadf8\ub7a8\uc740 \uc218\uc694\ub97c \uacac\uc778\ud558\uace0 \uc788\uc73c\uba70, \ub300\ucd9c \uae30\uad00\uc5d0 \uc778\uc99d\ub41c \uc2e0\uc6d0 \ubc0f \uac70\ub798 \uae30\ub85d\uc744 \uc81c\uacf5\ud558\uc5ec KYC(\uace0\uac1d \uc2e0\uc6d0 \ud655\uc778) \ube44\uc6a9\uc744 80% \uc808\uac10\ud569\ub2c8\ub2e4. \ud540\ud14c\ud06c \ud30c\ud2b8\ub108\uc2ed\uc740 \uc77c\uc0c1\uc801\uc778 \uc288\ud37c \uc571 \ub0b4\uc5d0 \uc2e0\uc6a9\uc744 \ud1b5\ud569\ud558\uc5ec \uc778\ub3c4, \uc778\ub3c4\ub124\uc2dc\uc544, \ud544\ub9ac\ud540\uc744 \ub514\uc9c0\ud138 \ub300\ucd9c \uc2e4\ud589\uc758 \uc911\uc2ec\uc9c0\ub85c \ub9cc\ub4e4\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \ub77c\ud2f4 \uc544\uba54\ub9ac\uce74 \ubc0f \uce74\ub9ac\ube0c\ud574: \ub9c8\uc774\ud06c\ub85c \ub300\ucd9c \uc2dc\uc7a5\uc5d0\uc11c \ub354 \uc791\uc9c0\ub9cc \ube60\ub974\uac8c \ud655\uc7a5\ub418\ub294 \ubd80\ubd84\uc744 \ucc28\uc9c0\ud569\ub2c8\ub2e4. IDB(\ubbf8\uc8fc\uac1c\ubc1c\uc740\ud589) \uc9c0\uc6d0 \ud22c\uc790\ub294 \uc5ec\uc131 \uc18c\uc720 \uae30\uc5c5\uc5d0 \uc790\ubcf8\uc744 \uacf5\uae09\ud558\uba70, Tala\uc640 \uac19\uc740 \uae30\uc5c5\uc740 \ub300\uccb4 \ub370\uc774\ud130\ub97c \ud65c\uc6a9\ud558\uc5ec 2024\ub144\uc5d0 3\ubc31\ub9cc \uba85\uc758 \uba55\uc2dc\ucf54 \uace0\uac1d\uc5d0\uac8c 5\uc5b5 \ub2ec\ub7ec\ub97c \ub300\ucd9c\ud588\uc2b5\ub2c8\ub2e4. \uae30\uad00\uc5d0 \ub300\ud55c \uc2e0\ub8b0\ub294 \ub514\uc9c0\ud138 \ucc44\ud0dd\uc5d0 \ud604\uc800\ud55c \uc601\ud5a5\uc744 \ubbf8\uce58\uba70, \uc2e0\ub8b0\ub3c4\uac00 \ub192\uc740 \uac1c\uc778\uc740 \ubaa8\ubc14\uc77c \uacb0\uc81c \uc0ac\uc6a9 \uac00\ub2a5\uc131\uc774 62% \ub354 \ub192\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc2e0\ub8b0 \ubc30\ub2f9\uae08\uc740 \ucc28\uc6a9\uc790\ub4e4\uc774 \ub2e8\uae30 \ub300\ucd9c \uc0c1\uc810\uc5d0\uc11c \uc571 \uae30\ubc18 \uc2e0\uc6a9\uc73c\ub85c \uc804\ud658\ud568\uc5d0 \ub530\ub77c \uacac\uace0\ud55c \ub300\ucd9c \uc131\uc7a5\uc744 \ub4b7\ubc1b\uce68\ud569\ub2c8\ub2e4.<br \/>\n*   \uc0ac\ud558\ub77c \uc774\ub0a8 \uc544\ud504\ub9ac\uce74: \uae30\ud68c\uc640 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc704\ud5d8\uc774 \uacf5\uc874\ud558\ub294 \uc9c0\uc5ed\uc785\ub2c8\ub2e4. \ucf00\ub0d0\uc5d0\uc11c \uac1c\ucc99\ub41c \ubaa8\ubc14\uc77c \uba38\ub2c8 \uc2dc\uc2a4\ud15c\uc740 \ud0c1\uc6d4\ud55c \uc720\ud1b5 \ubc94\uc704\ub97c \uc81c\uacf5\ud558\uc9c0\ub9cc, \uae30\ud6c4 \ubcc0\ud654\ub85c \uc778\ud55c \uc791\ubb3c \uc2e4\ud328\ub294 \ub18d\uc5c5 \ub300\ucd9c\uc758 \uc5f0\uccb4\ub97c \uc99d\uac00\uc2dc\ud0b5\ub2c8\ub2e4. 2024\ub144 \uc9c0\uc5ed \uc5f0\uccb4\uc728\uc740 6.7%\ub85c \ub9c8\uc774\ud06c\ub85c \ub300\ucd9c \uc2dc\uc7a5\uc758 \uc804 \uc138\uacc4 \ud3c9\uade0 4.1%\ubcf4\ub2e4 \ub192\uac8c \uc720\uc9c0\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \ub9c8\uc774\ud06c\ub85c \ubcf4\ud5d8\uacfc \ub9c8\uc774\ud06c\ub85c \uc2e0\uc6a9\uc744 \uacb0\ud569\ud55c \ud601\uc2e0\uc801\uc778 \ud558\uc774\ube0c\ub9ac\ub4dc \ubaa8\ub378\uc740 \uae30\ud6c4 \ucda9\uaca9\uc744 \ud5e4\uc9c0\ud558\ub294 \uac83\uc744 \ubaa9\ud45c\ub85c \ud558\uba70, \uaddc\uc81c \ub2f9\uad6d\uc740 \uc774\ub7ec\ud55c \uc194\ub8e8\uc158\uc744 \ud14c\uc2a4\ud2b8\ud558\uae30 \uc704\ud574 \ub514\uc9c0\ud138 \uc0cc\ub4dc\ubc15\uc2a4\ub97c \uc7a5\ub824\ud569\ub2c8\ub2e4. \uc2dc\uac04\uc774 \uc9c0\ub0a8\uc5d0 \ub530\ub77c \uac1c\uc120\ub41c \uc704\ud5d8 \ud480\ub9c1\uc740 \uc190\uc2e4\ub960\uc744 \uc904\uc774\uace0 \ucd94\uac00 \ud655\uc7a5\uc744 \uac00\ub2a5\ud558\uac8c \ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<\/p>\n<p># 6. \uacbd\uc7c1 \ud658\uacbd<\/p>\n<p>\ub9c8\uc774\ud06c\ub85c \ub300\ucd9c \uc2dc\uc7a5\uc740 \uc911\uac04 \uc815\ub3c4\uc758 \uc9d1\uc911\ub3c4\ub97c \ubcf4\uc774\uc9c0\ub9cc, \uc9c0\uc5ed\ubcc4\ub85c \ub69c\ub837\ud55c \ub300\uc870\ub97c \uc774\ub8f9\ub2c8\ub2e4. \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591\uc5d0\uc11c\ub294 Grameen, Bandhan, BTPN Syariah\uc640 \uac19\uc740 \uae30\uc874 \uc5c5\uccb4\ub4e4\uc774 \uc0c1\ub2f9\ud55c \uc2dc\uc7a5 \uc810\uc720\uc728\uc744 \ucc28\uc9c0\ud558\uace0 \uc788\ub294 \ubc18\uba74, \ub77c\ud2f4 \uc544\uba54\ub9ac\uce74\ub294 \uc218\ubc31 \uac1c\uc758 \ud611\ub3d9\uc870\ud569\uacfc \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \ud540\ud14c\ud06c \uae30\uc5c5\ub4e4\ub85c \ubd84\uc0b0\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. \ub514\uc9c0\ud138 \uc2e0\uaddc \uc9c4\uc785\uc790\ub4e4\uc740 \uc804\ud1b5\uc801\uc778 \uc9c0\uc810\ubcf4\ub2e4 \ucd5c\ub300 70% \ub0ae\uc740 \uace0\uac1d \ud655\ubcf4 \ube44\uc6a9\uc744 \ub204\ub9ac\uba70, 10%p\uc758 \uc21c\uc774\uc790 \ub9c8\uc9c4\uc744 \uc720\uc9c0\ud558\uba74\uc11c \uacf5\uaca9\uc801\uc778 \uac00\uaca9 \ucc45\uc815\uc744 \uac00\ub2a5\ud558\uac8c \ud569\ub2c8\ub2e4. \uae30\uc874 \uc5c5\uccb4\ub4e4\uc740 \ubaa8\ubc14\uc77c \uc571\uc744 \ucd9c\uc2dc\ud558\uace0 API \uc81c\ud734\ub97c \ud1b5\ud574 \uc784\ubca0\ub514\ub4dc \uae08\uc735 \uc0dd\ud0dc\uacc4 \ub0b4\uc5d0\uc11c \uac00\uc2dc\uc131\uc744 \uc720\uc9c0\ud558\uba70 \ub300\uc751\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc804\ub7b5\uc801 \ud22c\uc790\ub294 \uae30\uc220 \ucc44\ud0dd\uc744 \uac00\uc18d\ud654\ud569\ub2c8\ub2e4. \ud0c0\uc9c0\ud0a4\uc2a4\ud0c4\uc758 Bank Arvand\ub294 \uc77c\ubcf8 Gojo\ub85c\ubd80\ud130 \uc18c\uc218 \uc9c0\ubd84 \ud22c\uc790\ub97c \uc720\uce58\ud558\uc5ec \ud074\ub77c\uc6b0\ub4dc \ub9c8\uc774\uadf8\ub808\uc774\uc158 \ubc0f AI \ud3c9\uac00\ub97c \uac15\ud654\ud588\uc2b5\ub2c8\ub2e4. Tala\ub294 \uae30\uad00 \ud22c\uc790\uc790\ub85c\ubd80\ud130 1\uc5b5 5\ucc9c\ub9cc \ub2ec\ub7ec\uc758 \ubd80\ucc44\ub97c \uc870\ub2ec\ud558\uc5ec \uc18c\uae30\uc5c5 \ucc28\uc6a9\uc790\ub97c \uc704\ud55c \uc720\uc5f0\ud55c \ud55c\ub3c4\uc640 \ub3d9\uc801 \uac00\uaca9 \ucc45\uc815\uc744 \ubaa9\ud45c\ub85c \ud588\uc2b5\ub2c8\ub2e4. Apple\uc774 BNPL(\uc120\uad6c\ub9e4 \ud6c4\uacb0\uc81c) \uc81c\uacf5\uc5c5\uccb4 Affirm\uc744 Apple Pay\uc5d0 \ud1b5\ud569\ud55c \uac83\uc740 \uae00\ub85c\ubc8c \uae30\uc220 \uae30\uc5c5\uc774 \uacb0\uc81c \uc2dc\uc810\uc5d0 \ub300\ucd9c\uc744 \uc0bd\uc785\ud558\uc5ec \uc120\uc9c4 \uc2dc\uc7a5\uc5d0\uc11c \uc9c0\uc5ed MFI\uc758 \ubd80\uc720\ud55c \uc0ac\uc6a9\uc790\ub4e4\uc744 \uc7a0\uc7ac\uc801\uc73c\ub85c \ud761\uc218\ud560 \uc218 \uc788\uc74c\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.<\/p>\n<p>\uc2a4\ub9c8\ud2b8\ud3f0 \ubcf4\uae09\ub960\uc774 \ub0ae\uac70\ub098 \uc5ec\uc804\ud788 \uc885\uc774 \uc7a5\ubd80\ub97c \uc0ac\uc6a9\ud558\ub294 \ub18d\ucd0c \uc9c0\uc5ed\uc5d0\ub294 \uad11\ub300\ud55c \ubbf8\uac1c\ucc99 \uc2dc\uc7a5\uc774 \ub0a8\uc544 \uc788\uc2b5\ub2c8\ub2e4. \uc704\uc131 \uc774\ubbf8\uc9c0\ub97c \ud65c\uc6a9\ud55c \uc791\ubb3c \ucd94\uc815\uc774\ub098 \ud611\ub3d9\uc870\ud569 \ub370\uc774\ud130\ub97c \ud65c\uc6a9\ud55c \uc9c0\uc5ed \uae30\ubc18 \ubcf4\uc99d\uc744 \ud1b5\ud574 \uc2e0\uc6a9 \ubaa8\ub378\uc744 \ucc28\ubcc4\ud654\ud558\ub294 \ud50c\ub808\uc774\uc5b4\ub4e4\uc774 \uc99d\uac00\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc1a1\uae08 \uae30\ubc18 \ub300\ucd9c \ubc0f \ud1a0\ud070\ud654\ub41c \uc790\uc0b0\uc720\ub3d9\ud654\ub97c \uc704\ud55c \ube14\ub85d\uccb4\uc778 \ud30c\uc77c\ub7ff\uc740 \uc544\uc9c1 \ucd08\uae30 \ub2e8\uacc4\uc5d0 \uc788\uc9c0\ub9cc, \uaddc\uc81c\uc640 \ube44\uc6a9\uc73c\ub85c \uc778\ud574 \ucc44\ud0dd\uc774 \ub354\ub514\uac8c \uc9c4\ud589\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud5a5\ud6c4 5\ub144\uac04 \uacbd\uc7c1 \uc6b0\uc704\ub294 \ub300\ucd9c \uae30\uad00\uc774 \ub300\uccb4 \ub370\uc774\ud130\ub97c \uc5bc\ub9c8\ub098 \uc798 \ud65c\uc6a9\ud558\uba74\uc11c\ub3c4 \ube44\uc6a9\uc744 \uc99d\uac00\uc2dc\ud0a4\uc9c0 \uc54a\uace0 \uac15\ud654\ub418\ub294 \uc18c\ube44\uc790 \ubcf4\ud638 \uae30\uc900\uc744 \ucda9\uc871\ud558\ub294\uc9c0\uc5d0 \ub2ec\ub824 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc8fc\uc694 \ub9c8\uc774\ud06c\ub85c \ub300\ucd9c \uc0b0\uc5c5 \ub9ac\ub354: Accion International, BlueVine Inc., Funding Circle, Kabbage Inc., OnDeck.<\/p>\n<p># 7. \ucd5c\uadfc \uc0b0\uc5c5 \ub3d9\ud5a5<\/p>\n<p>*   2025\ub144 3\uc6d4: Tala\ub294 Neuberger Berman\uc774 \uad00\ub9ac\ud558\ub294 1\uc5b5 5\ucc9c\ub9cc \ub2ec\ub7ec \uaddc\ubaa8\uc758 \ubd80\ucc44 \uc2dc\uc124\uc744 \ud655\ubcf4\ud558\uc5ec \uba55\uc2dc\ucf54 \uc0ac\uc5c5\uc744 \ud655\uc7a5\ud558\uace0, 3\ubc31\ub9cc \uba85 \uc774\uc0c1\uc758 \uace0\uac1d \uae30\ubc18\uc5d0 \ub354 \ub192\uc740 \ud55c\ub3c4\uc640 \ub3d9\uc801 \uac00\uaca9 \ucc45\uc815\uc744 \uc9c0\uc6d0\ud588\uc2b5\ub2c8\ub2e4.<br \/>\n*   2025\ub144 2\uc6d4: Gojo &#038; Company\ub294 CJSC Bank Arvand\uc758 \uc9c0\ubd84 9%\ub97c \uc778\uc218\ud558\uc5ec \ud0c0\uc9c0\ud0a4\uc2a4\ud0c4\uc758 \ub514\uc9c0\ud138\ud654\ub97c \uc2ec\ud654\ud588\uc2b5\ub2c8\ub2e4. \ud0c0\uc9c0\ud0a4\uc2a4\ud0c4\uc5d0\uc11c\ub294 \uc774\ubbf8 \uac70\ub798\uc758 65%\uac00 \uc628\ub77c\uc778\uc73c\ub85c \ucc98\ub9ac\ub429\ub2c8\ub2e4.<br \/>\n*   2025\ub144 1\uc6d4: FINCA\ub294 AI \uae30\ubc18 \uace0\uac1d \uc870\uc0ac\ub97c \ud1b5\ud574 \uc120\ud638 \uae08\ub9ac \uccad\uc815 \uc5d0\ub108\uc9c0 \ub300\ucd9c \ubc0f \ubcf4\ud5d8 \uc0c1\ud488\uc744 \ucd9c\uc2dc\ud55c \ud6c4 \uc804 \uc138\uacc4\uc801\uc73c\ub85c 3\ubc31\ub9cc \uba85\uc758 \uace0\uac1d\uc744 \ub118\uc5b4\uc130\uc2b5\ub2c8\ub2e4.<br \/>\n*   2024\ub144 9\uc6d4: Axis Bank\ub294 Next Bharat Ventures\uc640 \ud30c\ud2b8\ub108\uc2ed\uc744 \ub9fa\uace0 \uc778\ub3c4 \uc804\uc5ed\uc758 \uc784\ud329\ud2b8 \uc9c0\ud5a5\uc801\uc778 MSME(\uc911\uc18c\uae30\uc5c5)\uc5d0 \ubb34\ub2f4\ubcf4 \uc6b4\uc804\uc790\ubcf8 \uae08\uc735\uc744 \uc81c\uacf5\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uae00\ub85c\ubc8c \uc18c\uc561 \ub300\ucd9c \uc2dc\uc7a5 \ubcf4\uace0\uc11c \uc694\uc57d<\/p>\n<p>\ubcf8 \ubcf4\uace0\uc11c\ub294 \uae00\ub85c\ubc8c \uc18c\uc561 \ub300\ucd9c \uc2dc\uc7a5\uc5d0 \ub300\ud55c \uc2ec\uce35 \ubd84\uc11d\uc744 \uc81c\uacf5\ud558\uba70, Mordor Intelligence\uc758 \uc815\uc758\uc5d0 \ub530\ub77c \uc740\ud589, \uc18c\uc561 \uae08\uc735 \uae30\uad00(MFI), P2P \ud50c\ub7ab\ud3fc \ub4f1 \uc778\uac00\ub41c \uc81c\uacf5\uc5c5\uccb4\uac00 \uc601\uc138 \uae30\uc5c5 \ubc0f \uc800\uc18c\ub4dd\uce35 \uac1c\uc778\uc5d0\uac8c \uc81c\uacf5\ud558\ub294 USD 50,000 \ubbf8\ub9cc\uc758 \uc2e0\uaddc \ubb34\ub2f4\ubcf4 \ub300\ucd9c \ucd1d\uc561\uc744 \uc2dc\uc7a5 \ubc94\uc704\ub85c \uc124\uc815\ud569\ub2c8\ub2e4. \uc800\ucd95, \uc18c\uc561 \ubcf4\ud5d8, \uc1a1\uae08 \ub4f1 \ube44\uc2e0\uc6a9 \uc11c\ube44\uc2a4\ub294 \ubcf8 \uc5f0\uad6c \ubc94\uc704\uc5d0\uc11c \uc81c\uc678\ub429\ub2c8\ub2e4.<\/p>\n<p>1. \uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc131\uc7a5 \uc804\ub9dd<br \/>\n\uae00\ub85c\ubc8c \uc18c\uc561 \ub300\ucd9c \uc2dc\uc7a5\uc740 2026\ub144 2,608\uc5b5 \ub2ec\ub7ec \uaddc\ubaa8\uc5d0\uc11c 2031\ub144\uae4c\uc9c0 4,283\uc5b5 \ub2ec\ub7ec\uc5d0 \uc774\ub97c \uac83\uc73c\ub85c \uc608\uce21\ub429\ub2c8\ub2e4.<br \/>\n*   \uc8fc\uc694 \uc131\uc7a5 \ub3d9\ub825: \ud540\ud14c\ud06c \ubc0f \ubaa8\ubc14\uc77c \uae30\ubc18 \uace0\uac1d \ud655\ubcf4\uc758 \uae09\uc99d, \uc815\ubd80\uc758 \uae08\uc735 \ud3ec\uc6a9 \uc815\ucc45 \ubc0f \ubcf4\uc870\uae08, \uc784\ud329\ud2b8\/ESG \uc5f0\uacc4 \uc18c\uc561 \uc2e0\uc6a9 \uc790\uae08\uc758 \uc99d\uac00, P2P\/\ub9c8\ucf13\ud50c\ub808\uc774\uc2a4 \ud50c\ub7ab\ud3fc\uc758 \uc911\uc18c\uae30\uc5c5 \ub300\ucd9c \ud655\uc7a5, \uc804\uc790\uc0c1\uac70\ub798 \ubc0f POS \uacb0\uc81c \uc2dc \uc784\ubca0\ub514\ub4dc \uae08\uc735, AI \uae30\ubc18 \ub300\uccb4 \ub370\uc774\ud130 \ud3c9\uac00\ub97c \ud1b5\ud55c &#8216;\uc2e0\uc6a9 \uc774\ub825 \ubd80\uc871&#8217; \ucc28\uc785\uc790 \ubc1c\uad74 \ub4f1\uc774 \uc2dc\uc7a5 \uc131\uc7a5\uc744 \uacac\uc778\ud569\ub2c8\ub2e4.<br \/>\n*   \uc8fc\uc694 \uc81c\uc57d \uc694\uc778: \ud32c\ub370\ubbf9 \uc774\ud6c4 \ubd80\uc2e4 \ucc44\uad8c \ubc0f \uc0c1\uac01 \uc99d\uac00, \uae08\ub9ac \uc0c1\ud55c \ubc0f \uc18c\ube44\uc790 \ubcf4\ud638 \uaddc\uc81c \uac15\ud654, \uae30\ud6c4 \ubcc0\ud654\ub85c \uc778\ud55c \ub18d\uc5c5 \ucc28\uc785\uc790 \ucc44\ubb34 \ubd88\uc774\ud589, \ubc14\uc824 III \uc704\ud5d8 \uac00\uc911\uce58 \uc0c1\ud5a5 \uc870\uc815\uc73c\ub85c \uc778\ud55c 2\ub4f1\uae09 MFI\uc758 \uc740\ud589 \uc2e0\uc6a9 \ubd80\uc871 \ub4f1\uc774 \uc2dc\uc7a5 \uc131\uc7a5\uc744 \uc800\ud574\ud558\ub294 \uc694\uc18c\ub85c \uc791\uc6a9\ud569\ub2c8\ub2e4.<\/p>\n<p>2. \uc2dc\uc7a5 \uc138\ubd84\ud654 \ubc0f \uc8fc\uc694 \ud2b9\uc9d5<br \/>\n\uc2dc\uc7a5\uc740 \uae30\uad00(\uc740\ud589, MFI \ubc0f \uae30\ud0c0), \ucd5c\uc885 \uc0ac\uc6a9\uc790(\uae30\uc5c5, \uc18c\ub9e4), \ucc44\ub110(\uc628\ub77c\uc778, \uc624\ud504\ub77c\uc778) \ubc0f \uc9c0\uc5ed\ubcc4\ub85c \uc138\ubd84\ud654\ub429\ub2c8\ub2e4.<br \/>\n*   \ucd5c\uc885 \uc0ac\uc6a9\uc790: 2025\ub144 \uae30\uc900 \uae30\uc5c5 \ub300\ucd9c\uc774 65.10%\ub97c \ucc28\uc9c0\ud558\uba70 \uac00\uc7a5 \ud070 \ube44\uc911\uc744 \ucc28\uc9c0\ud569\ub2c8\ub2e4. \uc774\ub294 \uc2e0\ud765 \uacbd\uc81c\uad6d\uc5d0\uc11c \uc601\uc138 \uae30\uc5c5\uc774 \uace0\uc6a9\uc758 \ub300\ubd80\ubd84\uc744 \ucc28\uc9c0\ud558\uba70 \uc8fc\ub958 \uc740\ud589\uc774 \uc81c\uacf5\ud558\uae30 \uc5b4\ub824\uc6b4 \uc720\uc5f0\ud55c \uc6b4\uc804\uc790\uae08 \uc194\ub8e8\uc158\uc744 \ud544\uc694\ub85c \ud558\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<br \/>\n*   \ucc44\ub110: \uc628\ub77c\uc778 \uc18c\uc561 \ub300\ucd9c\uc740 \ubaa8\ubc14\uc77c \uc6b0\uc120 \ud50c\ub7ab\ud3fc\uc758 \uc811\uadfc\uc131 \ud655\ub300\uc640 \ub514\uc9c0\ud138 \uc0c1\uac70\ub798 \ub0b4 \uc2e0\uc6a9 \uc5f0\ub3d9\uc5d0 \ud798\uc785\uc5b4 2031\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 14.19%\uc758 \ub192\uc740 \uc131\uc7a5\ub960\uc744 \ubcf4\uc77c \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<br \/>\n*   \uc9c0\uc5ed: \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc740 2025\ub144 \uc2dc\uc7a5 \uc810\uc720\uc728\uc758 43.20%\ub97c \ucc28\uc9c0\ud558\uba70 \ucd5c\ub300 \uc2dc\uc7a5\uc774\uba70, \ubbf8\uac1c\ucc99 \uae08\uc735 \uc778\uad6c\uc640 \ud3ec\uc6a9 \uc815\ucc45\uc5d0 \ud798\uc785\uc5b4 \uc608\uce21 \uae30\uac04(2026-2031\ub144) \ub3d9\uc548 \uac00\uc7a5 \ube60\ub978 \uc131\uc7a5\uc744 \uae30\ub85d\ud560 \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4. \ubd81\ubbf8, \ub0a8\ubbf8, \uc720\ub7fd, \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74 \uc9c0\uc5ed\ub3c4 \uc0c1\uc138\ud788 \ubd84\uc11d\ub429\ub2c8\ub2e4.<\/p>\n<p>3. \uacbd\uc7c1 \ud658\uacbd \ubc0f \uc8fc\uc694 \uae30\uc5c5<br \/>\n\ubcf4\uace0\uc11c\ub294 \uc2dc\uc7a5 \uc9d1\uc911\ub3c4, \uc8fc\uc694 \uc804\ub7b5\uc801 \uc6c0\uc9c1\uc784, \uc2dc\uc7a5 \uc810\uc720\uc728 \ubd84\uc11d\uc744 \ud1b5\ud574 \uacbd\uc7c1 \ud658\uacbd\uc744 \ud3c9\uac00\ud569\ub2c8\ub2e4. Accion International, Funding Circle, Grameen Bank, Kiva, Bandhan Bank \ub4f1 20\uac1c \uc774\uc0c1\uc758 \uc8fc\uc694 \uae30\uc5c5 \ud504\ub85c\ud544\uc744 \ud3ec\ud568\ud558\uc5ec \uac01 \uae30\uc5c5\uc758 \uae00\ub85c\ubc8c \ubc0f \uc2dc\uc7a5 \uc218\uc900 \uac1c\uc694, \ud575\uc2ec \ubd80\ubb38, \uc7ac\ubb34 \uc815\ubcf4, \uc804\ub7b5, \uc2dc\uc7a5 \uc21c\uc704\/\uc810\uc720\uc728, \uc81c\ud488 \ubc0f \uc11c\ube44\uc2a4, \ucd5c\uadfc \uac1c\ubc1c \uc0ac\ud56d \ub4f1\uc744 \ub2e4\ub8f9\ub2c8\ub2e4.<\/p>\n<p>4. \uc5f0\uad6c \ubc29\ubc95\ub860 \ubc0f \ubcf4\uace0\uc11c \uc2e0\ub8b0\uc131<br \/>\n\ubcf8 \ubcf4\uace0\uc11c\ub294 1\ucc28(\uc778\ub3c4, \ucf00\ub0d0, \uba55\uc2dc\ucf54 MFI \uace0\uc704\ud5d8 \uad00\ub9ac\uc790, \ubbf8\uad6d \ub514\uc9c0\ud138 \ub300\ucd9c \uae30\uad00 \uc81c\ud488 \uad00\ub9ac\uc790 \ub4f1\uacfc\uc758 \uc778\ud130\ubdf0) \ubc0f 2\ucc28(\uc138\uacc4\uc740\ud589 Global Findex, IMF Financial Access Survey, ILO SME \ub370\uc774\ud130, \uc911\uc559\uc740\ud589 \ubcf4\uace0\uc11c, \ud2b9\ud5c8, \uc815\ucc45 \uc790\ub8cc \ub4f1) \uc5f0\uad6c\ub97c \ud1b5\ud574 \ub370\uc774\ud130\ub97c \uc218\uc9d1\ud558\uace0 \uac80\uc99d\ud569\ub2c8\ub2e4. \uc2dc\uc7a5 \uaddc\ubaa8\ub294 \uc6b4\uc804\uc790\uae08 \uc870\ub2ec\uc774 \ud544\uc694\ud55c \uc18c\uae30\uc5c5\uac00 \uc218, \ub300\ucd9c \uce68\ud22c\uc728, \ud3c9\uade0 \ub300\ucd9c \uaddc\ubaa8\ub97c \uae30\ubc18\uc73c\ub85c \ud55c \ud558\ud5a5\uc2dd \uc811\uadfc\uacfc \uc8fc\uc694 \uc2dc\uc7a5 \ub300\ucd9c \uae30\uad00 \ub370\uc774\ud130\ub97c \ud65c\uc6a9\ud55c \uc0c1\ud5a5\uc2dd \uc811\uadfc\uc744 \uad50\ucc28 \uac80\uc99d\ud558\uc5ec \uc0b0\uc815\ub429\ub2c8\ub2e4. 1\uc778\ub2f9 GDP \ubcc0\ud654, \uc2a4\ub9c8\ud2b8\ud3f0 \ubcf4\uae09\ub960, \uaddc\uc81c \uae08\ub9ac \uc0c1\ud55c \ub4f1 \ud575\uc2ec \ubcc0\uc218\ub97c \uace0\ub824\ud55c \ub2e4\ubcc0\ub7c9 \ud68c\uadc0 \ubd84\uc11d \ubc0f ARIMA \ubaa8\ub378\uc744 \ud1b5\ud574 2030\ub144\uae4c\uc9c0\uc758 \ub300\ucd9c\ub7c9\uacfc \uc218\uc775\ub960\uc744 \uc608\uce21\ud569\ub2c8\ub2e4. \ub370\uc774\ud130\ub294 \ub9e4\ub144 \uc5c5\ub370\uc774\ud2b8\ub418\uba70, \uc8fc\uc694 \uaddc\uc81c \ub610\ub294 \uc790\uae08 \uc870\ub2ec \uc774\ubca4\ud2b8 \ubc1c\uc0dd \uc2dc \uc911\uac04 \uc5c5\ub370\uc774\ud2b8\uac00 \uc774\ub8e8\uc5b4\uc9d1\ub2c8\ub2e4.<br \/>\nMordor Intelligence\ub294 \uba85\ud655\ud55c \ub300\ucd9c \uc815\uc758, \uc81c\uacf5\uc790 \uc138\ud2b8, \uc5f0\uac04 \uc5c5\ub370\uc774\ud2b8\ub97c \ud1b5\ud574 \ubcf4\uace0\uc11c\uc758 \uc2e0\ub8b0\uc131\uc744 \ud655\ubcf4\ud558\uba70, \ud0c0\uc0ac \ubcf4\uace0\uc11c\uc640\uc758 \ucc28\uc774\uc810(\uc608: P2P \ub300\ucd9c \uc81c\uc678, \uc624\ub798\ub41c \uae30\uc900 \uc5f0\ub3c4, \uc774\uc790 \uc218\uc785 \ud3ec\ud568 \ub4f1)\uc744 \uba85\ud655\ud788 \uc124\uba85\ud558\uc5ec \ud22c\uba85\ud558\uace0 \uade0\ud615 \uc7a1\ud78c \uae30\uc900\uc120\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n<p>5. \uc2dc\uc7a5 \uae30\ud68c \ubc0f \ubbf8\ub798 \uc804\ub9dd<br \/>\n\ubcf4\uace0\uc11c\ub294 \ubbf8\uac1c\ucc99 \uc2dc\uc7a5 \ubc0f \ucda9\uc871\ub418\uc9c0 \uc54a\uc740 \uc218\uc694\uc5d0 \ub300\ud55c \ud3c9\uac00\ub97c \ud3ec\ud568\ud558\uc5ec \ubbf8\ub798 \uc2dc\uc7a5 \uae30\ud68c\ub97c \uc81c\uc2dc\ud569\ub2c8\ub2e4. \ud2b9\ud788, ESG(\ud658\uacbd, \uc0ac\ud68c, \uc9c0\ubc30\uad6c\uc870) \uace0\ub824 \uc0ac\ud56d\uc740 \uc18c\uc561 \ub300\ucd9c \uc0b0\uc5c5\uc5d0 \uc911\uc694\ud55c \uc601\ud5a5\uc744 \ubbf8\uce58\uba70, \uc784\ud329\ud2b8 \ubc0f ESG \uc5f0\uacc4 \uc790\uae08\uc740 \uce21\uc815 \uac00\ub2a5\ud55c \uc0ac\ud68c\uc801 \ub610\ub294 \ud658\uacbd\uc801 \uc131\uacfc\ub97c \uc785\uc99d\ud558\ub294 \ub300\ucd9c \uae30\uad00\uc5d0 \uc591\ud5c8\uc131 \uc790\ubcf8\uc744 \uacf5\uae09\ud558\uc5ec \uc131\ubcc4 \ud2b9\ud654 \ubc0f \uce5c\ud658\uacbd \uc18c\uc561 \uc2e0\uc6a9 \uc0c1\ud488\uc758 \uc131\uc7a5\uc744 \uc7a5\ub824\ud569\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-36211","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\/36211"}],"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=36211"}],"version-history":[{"count":0,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/posts\/36211\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/media?parent=36211"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/categories?post=36211"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/tags?post=36211"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}