{"id":12831,"date":"2021-03-02T15:35:00","date_gmt":"2021-03-02T07:35:00","guid":{"rendered":"https:\/\/172-105-121-241.ip.linodeusercontent.com\/?p=12831"},"modified":"2024-10-09T15:49:20","modified_gmt":"2024-10-09T07:49:20","slug":"%d0%b1%d0%b0%d0%bd%d0%ba%d1%83%d1%83%d0%b4%d1%8b%d0%b3-%d1%85%d1%83%d0%b2%d1%8c%d1%86%d0%b0%d0%b0%d1%82-%d0%ba%d0%be%d0%bc%d0%bf%d0%b0%d0%bd%d0%b8-%d0%b1%d0%be%d0%bb%d0%b3%d0%be%d1%85-%d0%bd%d1%8c","status":"publish","type":"post","link":"https:\/\/jargaldefacto.com\/?p=12831&lang=ko","title":{"rendered":"\uc740\ud589\uc774 \uc8fc\uc2dd\ud68c\uc0ac\uac00 \ub418\ub294 \uac83\uc774 \ub204\uad6c\uc5d0\uac8c \uc720\ub9ac\ud560\uae4c?"},"content":{"rendered":"\n

WHO BENEFITS FROM TRANSFORMING BANKS TO JOINT-STOCK COMPANIES?<\/h2>\n\n\n\n

\ubabd\uace8\uc740 2021\ub144\uc774 \ub4e4\uc790\ub9c8\uc790 \ubc95\uc744 \uac1c\uc815\ud558\uc5ec \uc0c1\uc5c5\uc740\ud589\uc758 \uc18c\uc720 \uc9d1\uc911\ub3c4\ub97c \ud574\uc18c\uc2dc\ud0a4\ub824\uace0 \ud558\uace0 \uc788\ub2e4. 2022\ub144 \uc911\ubc18\ucbe4 \uad6d\ub0b4 \uae08\uc735\uacc4\uc5d0 \uc601\ud5a5\ub825\uc774 \ud070(\uc740\ud589\ub4e4\uc758 \uc804\uccb4 \uc790\ubcf8\uc758 5% \uc774\uc0c1 \ucc28\uc9c0\ud558\ub294 \uc740\ud589) 5\ub300 \uc0c1\uc5c5\uc740\ud589\uc740 \uacf5\uac1c\uc8fc\uc2dd\ud68c\uc0ac, 2023\ub144\uae4c\uc9c0 \ub098\uba38\uc9c0 7\uac1c \uc740\ud589\uc740 \uc8fc\uc2dd\ud68c\uc0ac\uac00 \ub420 \uac83\uc774\uba70, \ud55c \uc0ac\ub78c\uc758 \uc740\ud589 \uc8fc\uc2dd \ubcf4\uc720 \ud55c\ub3c4\uac00 20%\uae4c\uc9c0\ub85c \uc81c\ud55c\ub41c\ub2e4. \uc740\ud589\uc0b0\uc5c5\uc758 \uc774 \uae09\uaca9\ud55c \uac1c\ud601, \uc989 \ud63c\ud569 \uc18c\uc720\uc81c\ub97c \ub3c4\uc785\ud558\uc5ec \uc8fc\uc778 \uc218\ub97c \ub298\ub9ac\ub294 \uac83\uc774 \uc65c \ud544\uc694\ud558\uace0, \uc5b4\ub5a4 \ub3c4\uc804\uc5d0 \uc9c1\uba74\ud560 \uac83\uc774\uba70, \uacbd\uc81c\uc5d0 \uc5b4\ub5bb\uac8c \uc720\uc775\ud560\uc9c0\ub97c \uad6d\ubbfc \ubaa8\ub450\uac00 \uc774\ud574\ud558\uace0 \uc9c0\uc9c0\ud560 \uc2dc\uac04\uc774 \ubc14\ub85c \uc9c0\uae08\uc774\ub2e4.<\/p>\n\n\n\n

\uac1c\ud601\uc758 <\/strong>\ud544\uc694\uc131<\/strong><\/p>\n\n\n\n

12\uac1c\uc758 \uc0c1\uc5c5\uc740\ud589\uc740 \uc608\uae08\uacfc \ub300\ucd9c \uc774\uc790\uac00 \uacfc\ub3c4\ud558\uac8c \ub192\uace0, \uac1c\uc778\uc774 \ub300\ucd9c\uc744 \ubc1b\uae30\uac00 \uc5b4\ub835\uace0, \uae30\uc5c5\uc744 \ub300\uc0c1\uc73c\ub85c\ub9cc \ub300\ucd9c\uc744 \uc81c\uacf5\ud558\uace0 \uc788\uc5b4 \uacbd\uc81c\ub97c \ub4b7\ubc1b\uce68\ud574\uc8fc\uc9c0 \ubabb\ud558\uac8c \ub418\uc5c8\ub2e4. \uc8fc\uc694 \uc6d0\uc778\uc740 \uac70\uc758 \ubaa8\ub4e0 \uc740\ud589\uc774 \ud55c\ub450 \uba85\uc758 \uc18c\uc720\uc784\uc5d0 \ub530\ub77c \uacbd\uc601\uc81c\ub3c4\uac00 \ubbf8\uc57d\ud558\uace0, \ud65c\ub3d9\uc774 \ubd88\ud22c\uba85\ud558\uace0, \uae30\ubcf8 \uc790\ubcf8\uc774 \ucda9\ubd84\ud558\uc9c0 \uc54a\ub294 \uac83\uacfc \uc9c1\uacb0\ub41c\ub2e4. \uc740\ud589\uc758 \ub0b4\uc678 \uac10\uc2dc\uac00 \uc740\ud589 \ub300\ud45c\uc640 \uad00\ub828 \uc788\uac8c \uc9c4\ud589\ub418\uc5b4 \uc654\uae30 \ub54c\ubb38\uc5d0 \uacbd\uc601\uc81c\ub3c4\uac00 \ub354\uc6b1 \uc57d\ud574\uc9c0\ub294 \uc774\uc720\uc774\ub2e4. \uc740\ud589\ub4e4\uc774 \uacbd\uc81c\ub97c \uc65c\uace1\uc2dc\ud0a4\uace0, \ube44\uc988\ub2c8\uc2a4\uc758 \uacbd\uc7c1\uc744 \ub9c9\uace0, \ubd80\uc815\ud589\uc704\ub97c \ubd80\ucd94\uae30\ub294 \uc8fc\uccb4\uac00 \ub418\uc5b4 \ubc84\ub838\ub2e4.<\/p>\n\n\n\n

\uc804\uccb4 \uc790\ubcf8\uc758 \ubd88\uacfc 10%\ub97c \uc18c\uc720\ud558\ub294 \uc740\ud589 \ub300\ud45c\ub4e4\uc774 \ub098\uba38\uc9c0 90%\ub97c \uad6c\uc131\ud558\ub294 \uace0\uac1d\ub4e4\uacfc \uc0ac\ud68c\ub85c\ubd80\ud130 \uc740\ud589\ud65c\ub3d9\uc744 \uac10\ucd94\uace0 \uc788\ub2e4. \uc0c1\uc5c5\uc740\ud589\ub4e4\uc774 \uac1c\uc778\uacfc \uae30\uc5c5\uc758 \ube44\ubc00\uc815\ubcf4\ub97c \ubaa8\uc544 \uc8fc\uc778\ub4e4\uc5d0\uac8c \uc720\uc775\ud558\ub3c4\ub85d \ubd88\uacf5\uc815\ud558\uac8c \uc0ac\uc6a9\ud55c\ub2e4. \ubabd\uace8\uc758 \ub300\uaddc\ubaa8 \uc740\ud589\ub4e4\uc740 \uc8fc\uc778\ub4e4\uc774 \uc6b4\uc601\ud558\ub294 \ub2e4\uc591\ud55c \ube44\uc988\ub2c8\uc2a4\ub97c \uc704\ud574\uc11c\ub9cc \uc77c\ud558\uace0 \uacf5\uc815\uacbd\uc7c1\uc744 \uc9d3\ubc1f\uace0 \uc788\ub2e4. \ub300\uaddc\ubaa8 \uc740\ud589\ub4e4\uc740 \uc8fc\uc778\ub4e4\uc774 \uc218\uc785\ud558\ub294 \uc790\ub3d9\ucc28\uc640 \uc2dd\ud488\uc744 \uc4f0\uace0, \uae30\ubcf8 \uc790\uc0b0\uc778 \uac74\ubb3c\uc5d0 \uc785\uc810\ud558\uace0, \uadf8\ub4e4\uc774 \uc9d3\ub294 \uc544\ud30c\ud2b8\uc5d0 \ub300\ucd9c\uc744 \uc81c\uacf5\ud55c\ub2e4. \ubfd0\ub9cc \uc544\ub2c8\ub77c \uc740\ud589 \uc8fc\uc778\ub4e4\uc774 \uad6d\uac00\uc608\uc0b0\uc5d0\uc11c \uac00\ub85c\ucc44\uace0, \ucca0\ub3c4 \ub4f1 \ud070 \uc778\ud504\ub77c\uc0ac\uc5c5\uc744 \uc9d1\uad8c\uc790\ub4e4\uacfc \uacf5\ubaa8\ud558\uc5ec \uc790\uc2e0\uc758 \ud68c\uc0ac\ub97c \ud1b5\ud574 \uc2e4\ud589\ud558\uace0 \uc788\ub2e4. \uc791\uc740 \uc740\ud589\ub4e4\uc774 \uad6d\uac00\uae30\uae08\uc758 \uc790\uae08\uc744 \ube7c\ub3cc\ub9b0 \ud0d3\uc5d0 \uad6d\uac00\uae30\uae08\ub4e4\uc758 \ud30c\uc0b0\uc774 \uc2dc\uc791\ub418\uc5c8\ub2e4.<\/p>\n\n\n\n

\uadf8 \uacb0\uacfc\ub85c \uc740\ud589\ub4e4\uc758 \ubd80\uc2e4, \ubd88\ub7c9 \ub300\ucd9c\uc774 \uc804\uccb4 \uc790\ubcf8\uc75810% \uc774\uc0c1\uc744 \ucc28\uc9c0\ud558\uac8c \ub418\uc5c8\uace0, \ub9ac\uc2a4\ud06c\ub97c \ub9c9\uc544\uc8fc\ub294 \ud380\ub4dc\uc640 \uc790\uae30\uc790\ubcf8\uc774 \uadf8 \uae08\uc561\uc744 \ucc44\uc6b0\uc9c0 \ubabb\ud558\uac8c \ub41c \uc9c0 \uc624\ub798\ub2e4. \ubabd\uace8\uc740 2017\ub144 \uc678\ucc44 \ubd80\ub2f4\uc5d0\uc11c \ube60\uc838\ub098\uc624\uc9c0 \ubabb\ud574 IMF \ud655\ub300\uae08\uc735\uc9c0\uc6d0(EFF)\uc744 \ubc1b\uc744 \ub54c \uc0c1\uc5c5\uc740\ud589\uc758 \uc790\uae30\uc790\ubcf8 \uc9c8 \ud5a5\uc0c1\uacfc \ud655\ub300 \uc758\ubb34\ub97c \uc9c0\ub154\ub2e4. \uad6d\uc81c \uc720\uc218\uc758 \uae08\uc735\uae30\uad00\uc778 Duff & Phelps\ub294 \ubabd\uace8\uc0c1\uc5c5\uc740\ud589\ub4e4\uc774 \uc790\uae30\uc790\ubcf8\uc744 \ud655\ub300\ud55c \uac83\uc758 90%\uac00 \uad6d\uc81c\uc740\ud589\uc5c5 \uae30\uc900\uc5d0 \ubabb \ubbf8\uce5c\ub2e4\ub294 \ud3c9\uac00\ubcf4\uace0\uc11c\ub97c \ub0c8\ub294\ub370 \ubabd\uace8\uc740\ud589\uc740 \uc774\ub97c \ub300\uc911\ub4e4\ub85c\ubd80\ud130 \uc228\uae30\uace0 \uc788\ub2e4. \uacb0\uacfc\uc801\uc73c\ub85c IMF\ub85c\ubd80\ud130 \uc81c\uacf5\ubc1b\uae30\ub85c \ud569\uc758\ub41c 4.5\uc5b5 \ub2ec\ub7ec\uc640 \uadf8\uc5d0 \ubd80\uc18d\ub418\ub294 50\uc5b5 \ub2ec\ub7ec\uc758 \ubc18 \ubc16\uc774 \uc548 \ub4e4\uc5b4\uc654\ub2e4. \uad6c\uc81c\uae08\uc735 \ud504\ub85c\uadf8\ub7a8\uc774 \uc2e4\ud328\ud558\uc600\uace0, \ubabd\uace8\uc740 FATF \uadf8\ub808\uc774 \ub9ac\uc2a4\ud2b8\uc5d0 \uc62c\ub77c\uac00 \ubcf4\uc558\ub2e4.<\/p>\n\n\n\n

\uc0c1\uae30 \uc774\uc720\ub85c \ubabd\uace8\uc740\ud589\uc740 \uae30\uc900\uae08\ub9ac\ub97c 500\uc720\ub2db \ud558\ud5a5\uc870\uc815\ud558\uc600\uc9c0\ub9cc \uc0c1\uc5c5\uc740\ud589\ub4e4\uc5d0\uac8c \ub300\ucd9c\ub85c \uc8fc\ub294 \uc790\uae08\uc774 \ubd80\uc871\ud558\uc600\ub2e4. \uc124\uc0c1\uac00\uc0c1 2020\ub144 \ud32c\ub370\ubbf9 \uc720\ud589\uc73c\ub85c \uae30\uc5c5\ub4e4\uc758 \uc601\uc5c5\uc774 \ub04a\uaca8 \uacbd\uc81c\uc704\uae30\uc640 \ubcf4\uac74\uc704\uae30\uac00 \uacb9\uce5c \uc0c1\ud669\uc774\ub2e4.<\/p>\n\n\n\n

\ub3c4\uc804\uacfc\uc81c<\/strong><\/p>\n\n\n\n

\uc740\ud589\uc5c5 \uac1c\ud601\uc758 \ubc29\ud5a5\uc740 \ub9de\uc73c\ub098 \uc2dc\ud589\uc744 \uc704\ud55c \ud3c9\uac00\uac00 \ud604\uc2e4\uc801\uc774\uc5b4\uc57c \ud558\uba70, \uae30\uc874 \uc18c\uc720\uc790\ub4e4\uc744 \ud574\uccd0\uc11c\ub294 \uc548\ub418\uace0, \ud22c\uc790\uc790\ub4e4\uc758 \uc2e0\ub8b0\uad6c\ucd95\uc774 \ud544\uc694\ud558\uace0, \uc8fc\uc2dd\uc774 \uc798 \uc548 \ud314\ub9b4 \uc218\ub3c4 \uc788\ub294 \ub4f1 \ub3c4\uc804\uc774 \ub2e5\uccd0\uc628\ub2e4.<\/p>\n\n\n\n

\uc740\ud589\uc758 \ud604\uc2e4\uc801\uc778 \uac00\uce58\ub97c \ud3c9\uac00\ud558\uae30 \uc704\ud574 \uc6b0\uc120 \ubd80\uc2e4, \ubd88\ub7c9 \ub300\ucd9c\uc744 \ub9ac\uc2a4\ud06c\ud380\ub4dc\uc640 \uc790\uae30\uc790\ubcf8\uc73c\ub85c \uccad\uc0b0\ud558\uace0, \uc774\uac83\uc744 \uc740\ud589\uacb0\uc0b0\uc5d0\uc11c \uc81c\uc678\ud574\uc57c \ud55c\ub2e4. \ud55c\uad6d\uc740 1998\ub144 \uc704\uae30\ub97c \ubc97\uc5b4\ub098\uae30 \uc704\ud574 \ud55c\uad6d\uc790\uc0b0\uad00\ub9ac\uacf5\uc0ac(KAMCO)\ub97c \uac1c\uc124\ud558\uace0 \ubd88\ub7c9\ub300\ucd9c\uc758 \ub2f4\ubcf4\uc790\uc0b0\uc744 \uc815\ubd80\uac00 \ub9e4\uc785\ud558\uc600\ub2e4. \ubabd\uace8\uc740 \uc815\ubd80 \ubd80\ud328\uac00 \ub9ce\uc740 \ud604 \uc0c1\ud669(2020\ub144 \ubd80\ud328\uc9c0\uc218\ub85c 181\uac1c\uad6d \uc911 111\uc704)\uc5d0\uc11c \uc774\ub7ec\ud55c \uae30\uad00\uc744 \ub9cc\ub4e4\uba74 \uc815\uce58\uc778\ub4e4\uc774 \uad00\uc5ec\ud558\uc5ec \uc548 \uc88b\uc740 \uc790\uc0b0\uc744 \uace0\uac00\ub85c \ud314\ub824\uace0 \uc758\ub3c4\ud560\uc9c0\ub3c4 \ubaa8\ub978\ub2e4.<\/p>\n\n\n\n

\uc740\ud589\uc744 \uc8fc\uc778\ub4e4\uacfc \uad00\ub828\ub41c \ube44\uc988\ub2c8\uc2a4\uc640 \ub300\ucd9c\uc5d0\uc11c \uc644\uc804\ud788 \ub5bc\uc5b4\ub0b4, \uc804\ubb38\uc801\uc774\uace0 \ub3c5\ub9bd\uc801\uc778 \uacbd\uc601\uc81c\ub3c4\uc5d0 \ub9e1\uaca8\uc57c \ud22c\uc790\uc790\uc758 \uc2e0\ub8b0\ub97c \uc5bb\uc744 \uc218 \uc788\ub2e4. \uc2e0\ub8b0\uac00 \uc5c6\uc73c\uba74 \uc544\ubb34\ub3c4 \uadf8\ub7f0 \uc8fc\uc2dd\uc744 \uad6c\uc785\ud558\uc5ec \ub9ac\uc2a4\ud06c\ub97c \uc548\uace0 \uc2f6\uc9c0 \uc54a\uc744 \uac83\uc774\ub2e4.<\/p>\n\n\n\n

\uc2e0\uaddc\uc0c1\uc7a5(IPO) \uc804\uc5d0 \ud68c\uc0ac\uc758 \uac00\uce58\ub97c \ud3c9\uac00\ud558\ub294 \ub2e4\uc591\ud55c \ubc29\ubc95\uc774 \uc788\ub2e4. \uac00\uc7a5 \uac04\ud3b8\ud55c \ubc29\ubc95\uc740 \uae30\uc874 \uc218\uc775\uc774 \uc55e\uc73c\ub85c 10\ub144 \uc9c0\uc18d\ub420 \uac83\uc73c\ub85c \uacc4\uc0b0\ud558\ub294 \ubc29\ubc95\uc774\ub2e4. \ubabd\uace8\uc758 12\uac1c\uc758 \uc0c1\uc5c5\uc740\ud589\uc758 \ucd1d \uc218\uc775\uc740 2020\ub144 \uae30\uc900 2900\uc5b5 \ud22c\uadf8\ub9ad(\ucd9c\ucc98: \ubabd\uace8\uc911\uc559\uc740\ud589)\uc774\ub2e4. \uc2dc\uc2a4\ud15c \uc804\uccb4 \ud3c9\uac00\ub294 3\uc870 \ud22c\uadf8\ub9ad\uc5d0 \uac00\uae4c\uc6b0\uba70, \uadf8 \uc911 80%\ub97c \ub9e4\ub3c4\ud560 \uacbd\uc6b0 2.4\uc870 \ud22c\uadf8\ub9ad\uc774 \uae30\uc874 \uc8fc\uc778\ub4e4 \uc8fc\uba38\ub2c8\uc5d0 \ub4e4\uc5b4\uac00\ub294 \uac83\uc774\ub2e4. \uc774\uac83\uc740 \uae30\uc874 \uc8fc\uc778\ub4e4\uc758 \uc790\uc0b0\uc744 \ube7c\uc557\ub294 \uac83\uc774 \uc544\ub2c8\ub77c \uc2e4\uc9c8 \uac00\uce58\ub97c \uacc4\uc0b0\ud558\uc5ec \uac70\ub798\ud558\ub294 \uacf5\uc815\ud55c \uc77c\uc774\ub2e4. \uc774 \uc790\uae08\uc774 \uc5b4\ub5a0\ud55c \uae30\uae08\uc744 \ud1b5\ud574 \uc8fc\uc2dd\uc2dc\uc7a5\uc5d0 \uc804\ub2ec\ub418\uc5b4 \uc740\ud589 \uc774\uc678\uc758 \ube44\uc988\ub2c8\uc2a4 \uc8fc\uc2dd\uc744 \uc0ac\ub294 \ub370 \uc0ac\uc6a9\ub420 \uac83\uc774\ub2e4.<\/p>\n\n\n\n

\uc774 \ubaa8\ub4e0 \uc808\ucc28\ub97c \uc62c\ubc14\ub974\uace0 \uad6d\uc81c\uae30\uc900\uc5d0 \ub9de\uac8c \uc2dc\ud589\ud55c\ub2e4\uba74 \ud574\uc678\ud22c\uc790\ub3c4 \uc720\uce58\ud560 \uc218 \uc788\uace0, \uacbd\uc601 \ub178\ud558\uc6b0 \uc720\uce58\ub3c4 \ub530\ub97c \uac83\uc774\ub2e4. \uadf8\ub807\uc9c0 \uc54a\uc73c\uba74 \uc740\ud589\uc8fc\uc2dd\uc744 \ud22c\uc790\uc790\uac00 \uad6c\uc785\ud558\uc9c0 \uc54a\uc544 \uc0c1\uc5c5\uc740\ud589 \uc8fc\uc8fc\uac00 5\uc778 \uc774\uc0c1\uc774\uc5b4\uc57c \ud558\ub294 \ubc95\ub960\uc774 \uc704\ubc18\ub420 \uac83\uc774\ub2e4. \uadf8\ub7ec\uba74 \ubabd\uace8\uc740\ud589\uc740 \uc774\uc678 \uc5b4\ub5a4 \uc870\uce58\ub97c \ucde8\ud560 \uc218 \uc788\ub294\uac00?<\/p>\n\n\n\n

\ud61c\ud0dd<\/strong><\/p>\n\n\n\n

\uc0c1\uc5c5\uc740\ud589\ub4e4\uc774 \uc18c\uc218\uc758 \uc8fc\uc778\ub4e4\uc758 \uc0ac\uc775\uc744 \uc704\ud558\uc9c0 \uc54a\uace0, \uc8fc\uc778\uc774 \uc5ec\ub7ec \uba85\uc774\uace0, \ubd80\ud328\uc5d0\uc11c \uac70\ub9ac\uac00 \uba40\uace0, \uac10\uc2dc\uac00 \uc798 \uc774\ub8e8\uc5b4\uc9c0\uace0, \ud22c\uba85\ud558\uace0, \uc88b\uc740 \uacbd\uc601\uc81c\ub3c4\ub97c \uac00\uc9c0\uac8c \ub41c \uacbd\uc6b0\uc5d0\ub9cc \uc740\ud589\ub4e4\uc774 \uac74\uc804\ud558\uac8c \uacbd\uc7c1\ud560 \uc218 \uc788\uace0, \ub300\ucd9c \uc774\uc790\uac00 \ub0b4\ub824\uac08 \uc218 \uc788\ub2e4.<\/p>\n\n\n\n

\ub300\ucd9c\uc774\uc790\uac00 \ub0b4\ub824\uac00\ub294 \uac83\uc740 \uac1c\uc778\uc774 \uc18c\ube44\ub97c \ub298\ub9ac\uace0, \uae30\uc5c5\uc774 \uc0ac\uc5c5\uc744 \ud0a4\uc6b8 \ube44\uc6a9\uc744 \uc904\uc5ec\uc900\ub2e4. \ub300\ucd9c \uc774\uc790\uac00 \ub0ae\uace0, \ub300\ucd9c\ubc1b\uae30\uac00 \uc26c\uc6cc\uc9c0\ub294 \uac83 \uc790\uccb4\uac00 \ubabd\uace8\uc758 \uacbd\uc81c \ubc1c\uc804\uc5d0 \uaf2d \ud544\uc694\ud55c \uc870\uac74\uc774\ub2e4. \ube44\uc988\ub2c8\uc2a4\uac00 \ud655\ub300\ub420\uc218\ub85d \uc77c\uc790\ub9ac\uac00 \uc99d\uac00\ud558\uace0, \ube48\uace4\uc774 \uac10\uc18c\ub418\uc5b4, \uc0c8\ub85c\uc6b4 \uae30\uc220\uc774 \ub3c4\uc785\ub428\uc73c\ub85c\uc368 \ud68c\uc0ac\ub4e4\uc758 \uacbd\uc7c1\ub825\uc774 \ud5a5\uc0c1\ub418\uace0, \uc7ac\ud654\uc640 \uc6a9\uc5ed\uc744 \uc218\ucd9c\ud560 \uc218 \uc788\ub294 \uae30\ud68c\uac00 \ub9cc\ub4e4\uc5b4\uc9c4\ub2e4.<\/p>\n\n\n\n

\uc774\ub97c \uc704\ud574 \uc740\ud589\uc9c0\ubd84 \uc18c\uc720 \ud55c\ub3c4\ub97c \uc815\ud558\ub294 \uac83\uc774 \uc740\ud589\uc5d0\ub3c4, \uc8fc\uc778\uacfc \uae30\uc5c5\uc5d0\uac8c\ub3c4, \uad6d\uac00\uc758 \uacbd\uc81c \uce21\uba74\uc5d0\uc11c\ub3c4 \ubaa8\ub450\uc5d0\uac8c \uc720\ub9ac\ud55c \uacb0\uc815\uc774\ub2e4. \uc624\ub298\ub0a0 \uc138\uacc4 50\uc5ec \uac1c\uad6d\uc5d0\uc11c \uc740\ud589 \uc18c\uc720\ube44\uc728\uc744 \uc81c\ud55c\ud558\ub294\ub370 \uadf8 \ube44\uc728\uc774 16\uac1c\uad6d\uc740 20%, 6\uac1c\uad6d\uc740 15%, 5\uac1c\uad6d\uc740 5%, 2\uac1c\uad6d\uc740 5% \ubbf8\ub9cc\uc73c\ub85c \ubc95\ub839\ud654\ub418\uc5b4 \uc788\ub2e4(\ucd9c\ucc98: \u201cBanks and Bank Systems\u201d Journal. 06 February 2009).<\/p>\n\n\n\n

2021.02.03<\/strong><\/p>\n\n\n\n

Trans. By Z.Kherlen<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

WHO BENEFITS FROM TRANSFORMING BANKS TO JOINT-STOCK COMPANIES? \ubabd\uace8\uc740 2021\ub144\uc774 \ub4e4\uc790\ub9c8\uc790 \ubc95\uc744 \uac1c\uc815\ud558\uc5ec \uc0c1\uc5c5\uc740\ud589\uc758 \uc18c\uc720 \uc9d1\uc911\ub3c4\ub97c \ud574\uc18c\uc2dc\ud0a4\ub824\uace0 \ud558\uace0 \uc788\ub2e4. 2022\ub144 \uc911\ubc18\ucbe4 \uad6d\ub0b4 \uae08\uc735\uacc4\uc5d0 \uc601\ud5a5\ub825\uc774 \ud070(\uc740\ud589\ub4e4\uc758 \uc804\uccb4 \uc790\ubcf8\uc758 5% \uc774\uc0c1 \ucc28\uc9c0\ud558\ub294 \uc740\ud589) 5\ub300 \uc0c1\uc5c5\uc740\ud589\uc740 \uacf5\uac1c\uc8fc\uc2dd\ud68c\uc0ac, 2023\ub144\uae4c\uc9c0 \ub098\uba38\uc9c0 7\uac1c \uc740\ud589\uc740 \uc8fc\uc2dd\ud68c\uc0ac\uac00 \ub420 \uac83\uc774\uba70, \ud55c \uc0ac\ub78c\uc758 \uc740\ud589 \uc8fc\uc2dd \ubcf4\uc720 \ud55c\ub3c4\uac00 20%\uae4c\uc9c0\ub85c \uc81c\ud55c\ub41c\ub2e4. \uc740\ud589\uc0b0\uc5c5\uc758 \uc774 \uae09\uaca9\ud55c \uac1c\ud601, \uc989 \ud63c\ud569 […]<\/p>\n","protected":false},"author":4,"featured_media":12011,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[193],"tags":[],"ppma_author":[268],"class_list":{"0":"post-12831","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-article-ko"},"authors":[{"term_id":268,"user_id":4,"is_guest":0,"slug":"haluinaamgmail-com","display_name":"Jargal Defacto","avatar_url":{"url":"https:\/\/jargaldefacto.com\/wp-content\/uploads\/2024\/08\/JD2-scaled.jpg","url2x":"https:\/\/jargaldefacto.com\/wp-content\/uploads\/2024\/08\/JD2-scaled.jpg"},"author_category":"","first_name":"Jargal","last_name":"Defacto","user_url":"https:\/\/jargaldefacto.com\/","job_title":"","description":""}],"_links":{"self":[{"href":"https:\/\/jargaldefacto.com\/index.php?rest_route=\/wp\/v2\/posts\/12831","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jargaldefacto.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/jargaldefacto.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/jargaldefacto.com\/index.php?rest_route=\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/jargaldefacto.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=12831"}],"version-history":[{"count":2,"href":"https:\/\/jargaldefacto.com\/index.php?rest_route=\/wp\/v2\/posts\/12831\/revisions"}],"predecessor-version":[{"id":41805,"href":"https:\/\/jargaldefacto.com\/index.php?rest_route=\/wp\/v2\/posts\/12831\/revisions\/41805"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jargaldefacto.com\/index.php?rest_route=\/wp\/v2\/media\/12011"}],"wp:attachment":[{"href":"https:\/\/jargaldefacto.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=12831"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jargaldefacto.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=12831"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jargaldefacto.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=12831"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/jargaldefacto.com\/index.php?rest_route=%2Fwp%2Fv2%2Fppma_author&post=12831"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}