<p style="text-align:center"> </p> <p><span style="font-family:Arial,Helvetica,sans-serif"> </span></p> <table border="1" cellpadding="1" cellspacing="1" style="width:1000px"> <tbody> <tr> <td> <p> </p> <h1 style="text-align:center"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:140%"><span style="font-size:18.0pt">“</span><span style="font-size:18.0pt">비금융정보 기반 포용금융 신용평가 서비스</span><span style="font-size:18.0pt">” </span><span style="font-size:18.0pt">등</span> <span style="font-size:22.0pt">혁신금융서비스</span> <span style="font-size:22.0pt"><strong>57</strong></span><span style="font-size:22.0pt"><strong>건 신규 지정 의결</strong></span></span></span></h1> <h1 style="text-align:center"> </h1> <p> </p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:150%"><span style="font-size:14.0pt"> - </span><span style="font-size:14.0pt">금번 </span><span style="font-size:14.0pt"><strong>신규 지정</strong></span><span style="font-size:14.0pt">을 포함해 혁신금융서비스 </span><span style="font-size:14.0pt"><strong>누적 지정 건수는 총 </strong></span><span style="font-size:14.0pt"><strong>886</strong></span><span style="font-size:14.0pt"><strong>건</strong></span></span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="font-size:3.0pt"><span style="line-height:150%"><strong> </strong></span></span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:150%"><span style="font-size:14.0pt"> -</span><span style="font-size:14.0pt">’21</span><span style="font-size:14.0pt">년 지정된 </span><span style="font-size:14.0pt">‘</span><span style="font-size:14.0pt"><strong>해외주식 소수점 거래 서비스</strong></span><span style="font-size:14.0pt"><strong>’</strong></span><span style="font-size:14.0pt">에 대한 </span><span style="font-size:14.0pt"><strong>규제개선 요청</strong></span><span style="font-size:14.0pt">을</span> <span style="font-size:14.0pt"><strong>수용</strong></span></span></span></p> <p> </p> </td> </tr> </tbody> </table> <p> </p> <p> </p> <p> </p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="font-size:14.0pt"><strong>금융위원회</strong></span><span style="font-size:12.0pt">(</span><span style="font-size:12.0pt">위원장 이억원</span><span style="font-size:12.0pt">)</span><span style="font-size:14.0pt">는 </span><span style="font-size:14.0pt"><strong>9</strong></span><span style="font-size:14.0pt"><strong>월 </strong></span><span style="font-size:14.0pt"><strong>17</strong></span><span style="font-size:14.0pt"><strong>일 정례회의</strong></span><span style="font-size:14.0pt">를 통해 </span><span style="font-size:14.0pt"><strong>57</strong></span><span style="font-size:14.0pt"><strong>건</strong></span><span style="font-size:14.0pt">의 </span><span style="font-size:14.0pt"><strong>혁신금융서비스</strong></span><span style="font-size:14.0pt">를 </span><span style="font-size:14.0pt"><strong>신규</strong></span><span style="font-size:14.0pt">로 </span><span style="font-size:14.0pt"><strong>지정</strong></span><span style="font-size:14.0pt">하였다</span><span style="font-size:14.0pt">. </span><span style="font-size:14.0pt">이로써 현재까지 </span><span style="font-size:14.0pt"><strong>총 </strong></span><span style="font-size:14.0pt"><strong>886</strong></span><span style="font-size:14.0pt"><strong>건</strong></span><span style="font-size:14.0pt">의 서비스가 혁신금융서비스로 지정되어 시장에서 테스트해 볼 수 있게 되었다</span><span style="font-size:14.0pt">. </span><span style="font-size:14.0pt">아울러</span><span style="font-size:14.0pt">, </span><span style="font-size:14.0pt"><strong>기존에 지정된 혁신금융서비스 관련 규제개선 요청</strong></span><span style="font-size:12.0pt">(</span><span style="font-size:12.0pt">1</span><span style="font-size:12.0pt">건</span><span style="font-size:12.0pt">)</span><span style="font-size:14.0pt">을 수용하였다</span><span style="font-size:14.0pt">.</span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"> </span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="font-size:14.0pt">혁신금융서비스 </span><span style="font-size:14.0pt"><strong>의결 결과</strong></span><span style="font-size:14.0pt">는 </span><span style="font-size:14.0pt"><strong>다음과 같다</strong></span><span style="font-size:14.0pt"><strong>. </strong></span><span style="font-size:12.0pt">(</span><span style="font-size:12.0pt">의결 결과 세부내용 </span><span style="font-size:12.0pt">☞</span><span style="font-size:12.0pt">[</span><span style="font-size:12.0pt">참고</span><span style="font-size:12.0pt">])</span></span></p> <p> </p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="font-size:14.0pt">금융위원회는 통신대안평가의 </span><span style="font-size:14.0pt">‘</span><span style="font-size:14.0pt"><strong>비금융정보</strong></span> <span style="font-size:14.0pt">기반 </span><span style="font-size:14.0pt"><strong>신용평가 서비스</strong></span><span style="font-size:14.0pt">’</span><span style="font-size:14.0pt">를 혁신금융서비스로 신규 지정하였다</span><span style="font-size:14.0pt">. </span><span style="font-size:14.0pt">이에 따라</span><span style="font-size:14.0pt">, </span><span style="font-size:14.0pt"><strong>통신관련 정보</strong></span> <span style="font-size:14.0pt">등 </span><span style="font-size:14.0pt"><strong>비금융정보</strong></span><span style="font-size:14.0pt">를</span> <span style="font-size:14.0pt">활용한 </span><span style="font-size:14.0pt"><strong>신용평가모형 개발</strong></span><span style="font-size:14.0pt"><strong>·</strong></span><span style="font-size:14.0pt"><strong>검증</strong></span><span style="font-size:14.0pt">이 보다 원활해질 것으로 예상되며</span><span style="font-size:14.0pt">, </span><span style="font-size:14.0pt">청년</span><span style="font-size:14.0pt">, </span><span style="font-size:14.0pt">주부 등 </span><span style="font-size:14.0pt"><strong>금융이력 부족자</strong></span><span style="font-size:14.0pt">의 </span><span style="font-size:14.0pt"><strong>신용평가 기회</strong></span><span style="font-size:14.0pt">가 </span><span style="font-size:14.0pt"><strong>확대</strong></span><span style="font-size:14.0pt">될 것으로 기대된다</span><span style="font-size:14.0pt">.</span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"> </span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="font-size:14.0pt">또한</span><span style="font-size:14.0pt">, </span><span style="font-size:14.0pt">삼성증권과 유안타증권의 </span><span style="font-size:14.0pt">‘</span><span style="font-size:14.0pt"><strong>외국인 통합계좌</strong></span><span style="font-size:14.0pt">를 활용한 </span><span style="font-size:14.0pt"><strong>해외증권사 고객</strong></span> <span style="font-size:14.0pt">대상 </span><span style="font-size:14.0pt"><strong>국내주식 거래서비스</strong></span><span style="font-size:14.0pt">’</span><span style="font-size:14.0pt">가 혁신금융서비스로 신규 지정됨에 따라</span><span style="font-size:14.0pt">, </span><span style="font-size:14.0pt"><strong>외국인 투자자</strong></span><span style="font-size:14.0pt">들이 </span><span style="font-size:14.0pt"><strong>국내 주식</strong></span><span style="font-size:14.0pt">에 보다 </span><span style="font-size:14.0pt"><strong>편리</strong></span><span style="font-size:14.0pt">하게 </span><span style="font-size:14.0pt"><strong>접근</strong></span><span style="font-size:14.0pt">할 수 있을 것으로 기대된다</span><span style="font-size:14.0pt">. </span><span style="font-size:14.0pt">이 외에도</span><span style="font-size:14.0pt">, </span><span style="font-size:14.0pt">‘</span><span style="font-size:14.0pt"><strong>증권 담보대출 대환대출 서비스</strong></span><span style="font-size:12.0pt">(1</span><span style="font-size:12.0pt">건</span><span style="font-size:12.0pt">)</span><span style="font-size:14.0pt">’, ‘</span><span style="font-size:14.0pt"><strong>그룹사 간 보이스피싱 공동대응 원스탑 서비스</strong></span><span style="font-size:12.0pt">(1</span><span style="font-size:12.0pt">건</span><span style="font-size:12.0pt">)</span><span style="font-size:14.0pt">’ </span><span style="font-size:14.0pt">등의 서비스가 신규 지정되었다</span><span style="font-size:14.0pt">.</span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"> </span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="font-size:14.0pt">한편</span><span style="font-size:14.0pt">, </span><span style="font-size:14.0pt">금융위원회는 </span><span style="font-size:14.0pt">’21</span><span style="font-size:14.0pt">년부터 지정되어 금융시장에서 실증을 진행한 </span><span style="font-size:14.0pt">‘</span><span style="font-size:14.0pt"><strong>해외주식 소수점 거래 서비스</strong></span><span style="font-size:14.0pt">’</span><span style="font-size:14.0pt">에 대해 </span><span style="font-size:14.0pt"><strong>규제개선 요청</strong></span><span style="font-size:14.0pt">을 </span><span style="font-size:14.0pt"><strong>수용</strong></span><span style="font-size:14.0pt">하였다</span><span style="font-size:14.0pt">. </span><span style="font-size:14.0pt">향후 </span><span style="font-size:14.0pt">규제개선에 착수하여</span><span style="font-size:14.0pt">, </span><span style="font-size:14.0pt">규제 특례 없이도 동일한 서비스가 금융시장에서 제공될</span> <span style="font-size:14.0pt">수 있도록 </span><span style="font-size:14.0pt"><strong>제도</strong></span><span style="font-size:14.0pt">를 </span><span style="font-size:14.0pt"><strong>정비</strong></span><span style="font-size:14.0pt">할 </span><span style="font-size:14.0pt"><strong>예정</strong></span><span style="font-size:14.0pt">이다</span><span style="font-size:14.0pt">.</span></span></p> <div> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="font-size:14.0pt"> </span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="font-size:14.0pt"> </span></span></p> <p> </p> <p style="text-align:center"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:140%"><span style="font-size:13.0pt"><strong>< </strong></span><span style="font-size:13.0pt"><strong>혁신금융서비스에 대한 금융위 의결 결과 요약 </strong></span><span style="font-size:13.0pt"><strong>></strong></span></span></span></p> <p style="text-align:center"> </p> <p style="text-align:center"> </p> <table cellspacing="0" style="border-collapse:collapse; width:1000px"> <tbody> <tr> <td style="background-color:#eec9c9; border-bottom:0px solid #000000; border-left:none; border-right:0px solid #000000; border-top:0px solid #000000; height:23px; vertical-align:middle; width:102px"> <h2 style="text-align:center"><span style="font-size:16px"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:130%"><strong>구 분</strong></span></span></span></h2> </td> <td style="background-color:#eec9c9; border-bottom:0px solid #000000; border-left:0px solid #000000; border-right:0px solid #000000; border-top:0px solid #000000; height:23px; vertical-align:middle; width:244px"> <h2 style="text-align:center"><span style="font-size:16px"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:130%"><strong>업체명</strong></span></span></span></h2> </td> <td style="background-color:#eec9c9; border-bottom:0px solid #000000; border-left:0px solid #000000; border-right:none; border-top:0px solid #000000; height:23px; vertical-align:middle; width:289px"> <h2 style="text-align:center"><span style="font-size:16px"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:130%"><strong>혁신금융서비스 지정</strong></span></span></span></h2> </td> </tr> <tr> <td rowspan="6" style="background-color:#dfe6f7; border-bottom:0px solid #000000; border-left:none; border-right:0px solid #000000; border-top:0px solid #000000; height:616px; vertical-align:middle; width:102px"> <h2 style="text-align:center"><span style="font-size:16px"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:140%">신규지정</span></span></span></h2> <h2 style="text-align:center"><span style="font-size:16px"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:140%">(57건)</span></span></span></h2> </td> <td style="border-bottom:0px solid #000000; border-left:0px solid #000000; border-right:0px solid #000000; border-top:0px solid #000000; height:65px; vertical-align:middle; width:244px"> <h2 style="text-align:center"> </h2> <h2 style="text-align:center"><span style="font-size:16px"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:140%">통신대안평가</span></span></span></h2> <h2 style="text-align:center"><span style="font-size:16px"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:140%">(1건)</span></span></span></h2> <p> </p> </td> <td style="border-bottom:0px solid #000000; border-left:0px solid #000000; border-right:none; border-top:0px solid #000000; height:65px; vertical-align:middle; width:289px"> <h2 style="text-align:center"><span style="font-size:16px"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:140%">비금융정보 기반 </span></span></span></h2> <h2 style="text-align:center"><span style="font-size:16px"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:140%">신용평가 서비스</span></span></span></h2> </td> </tr> <tr> <td style="border-bottom:0px solid #000000; border-left:0px solid #000000; border-right:0px solid #000000; border-top:0px solid #000000; height:88px; vertical-align:middle; width:244px"> <h2 style="text-align:center"> </h2> <h2 style="text-align:center"><span style="font-size:16px"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:140%">삼성증권, 유안타증권</span></span></span></h2> <h2 style="text-align:center"><span style="font-size:16px"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:140%">(2건)</span></span></span></h2> </td> <td style="border-bottom:0px solid #000000; border-left:0px solid #000000; border-right:none; border-top:0px solid #000000; height:88px; vertical-align:middle; width:289px"> <h2 style="text-align:center"> </h2> <h2 style="text-align:center"> </h2> <h2 style="text-align:center"><span style="font-size:16px"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:140%">외국인 통합계좌를 활용한</span></span></span></h2> <h2 style="text-align:center"><span style="font-size:16px"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:140%">해외증권사 고객 대상</span></span></span></h2> <h2 style="text-align:center"><span style="font-size:16px"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:140%">국내주식 거래서비스</span></span></span></h2> </td> </tr> <tr> <td style="border-bottom:0px solid #000000; border-left:0px solid #000000; border-right:0px solid #000000; border-top:0px solid #000000; height:61px; vertical-align:middle; width:244px"> <h2 style="text-align:center"> </h2> <h2 style="text-align:center"> </h2> <h2 style="text-align:center"><span style="font-size:16px"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:140%">NH투자증권</span></span></span></h2> <h2 style="text-align:center"><span style="font-size:16px"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:140%">(1건)</span></span></span></h2> </td> <td style="border-bottom:0px solid #000000; border-left:0px solid #000000; border-right:none; border-top:0px solid #000000; height:61px; vertical-align:middle; width:289px"> <h2 style="text-align:center"> </h2> <h2 style="text-align:center"><span style="font-size:16px"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:140%">증권 담보대출 대환대출 서비스</span></span></span></h2> </td> </tr> <tr> <td style="border-bottom:0px solid #000000; border-left:0px solid #000000; border-right:0px solid #000000; border-top:0px solid #000000; height:73px; vertical-align:middle; width:244px"> <h2 style="text-align:center"> </h2> <h2 style="text-align:center"> </h2> <h2 style="text-align:center"><span style="font-size:16px"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:140%">신한카드 외 3개사*</span></span></span></h2> <h2 style="text-align:center"><span style="font-size:16px"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:140%">(1건)</span></span></span></h2> <div style="text-align:left"><span style="font-size:16px"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:125%">*신한은행, 신한투자증권, 신한라이프생명보험</span></span></span></div> </td> <td style="border-bottom:0px solid #000000; border-left:0px solid #000000; border-right:none; border-top:0px solid #000000; height:73px; vertical-align:middle; width:289px"> <h2 style="text-align:center"><span style="font-size:16px"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:140%">고객자산 보호를 위한 그룹사 간 보이스피싱 공동대응 원스탑 서비스</span></span></span></h2> </td> </tr> <tr> <td style="border-bottom:0px solid #000000; border-left:0px solid #000000; border-right:0px solid #000000; border-top:0px solid #000000; height:224px; vertical-align:middle; width:244px"> <h2 style="text-align:center"> </h2> <h2 style="text-align:center"> </h2> <h2 style="text-align:center"><span style="font-size:16px"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:140%">라이나생명보험 외 19개사*</span></span></span></h2> <h2 style="text-align:center"><span style="font-size:16px"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:140%">(32건)</span></span></span></h2> <div style="text-align:left"><span style="font-size:16px"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:125%">*골드만삭스증권, 넥스트증권, 메트라이프생명보험, 모간스탠리인터내셔날증권, 미쓰이스미토모은행, 미즈호은행, 뱅크샐러드, 신한디에스, 에이스아메리칸화재해상보험, 왓섭, 즐거운, 카카오페이, 카카오페이증권, 쿠팡파이낸셜, 쿠팡페이, 토스증권, 한국스탠다드차타드은행, 한국스탠다드차타드증권, 한국씨티은행</span></span></span></div> <h2 style="text-align:left"><span style="font-size:16px"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:125%"> </span></span></span></h2> </td> <td style="border-bottom:0px solid #000000; border-left:0px solid #000000; border-right:none; border-top:0px solid #000000; height:224px; vertical-align:middle; width:289px"> <h2 style="text-align:center"> </h2> <h2 style="text-align:center"><span style="font-size:16px"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:140%">클라우드를 활용한 소프트웨어서비스* (SaaS)의 내부망 이용</span></span></span></h2> <h2 style="text-align:center"><span style="font-size:16px"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:140%">* 업무관리, 업무협업, 보안관리, 개발업무</span></span></span></h2> </td> </tr> <tr> <td style="border-bottom:0px solid #000000; border-left:0px solid #000000; border-right:0px solid #000000; border-top:0px solid #000000; height:105px; vertical-align:middle; width:244px"> <h2 style="text-align:center"> </h2> <h2 style="text-align:center"> </h2> <h2 style="text-align:center"><span style="font-size:16px"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:140%">카카오페이 외 10개사*</span></span></span></h2> <h2 style="text-align:center"><span style="font-size:16px"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:140%">(20건)</span></span></span></h2> <div style="text-align:left"><span style="font-size:16px"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:125%">*교보생명, 넥스트증권, 당근페이, 비바리퍼블리카, 비씨카드, 아이지넷, 케이뱅크, 토스증권, 핀다, 한화생명보험</span></span></span></div> </td> <td style="border-bottom:0px solid #000000; border-left:0px solid #000000; border-right:none; border-top:0px solid #000000; height:105px; vertical-align:middle; width:289px"> <h2 style="text-align:center"> </h2> <h2 style="text-align:center"> </h2> <h2 style="text-align:center"><span style="font-size:16px"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:140%">내부 임직원 및 대고객 대상</span></span></span></h2> <h2 style="text-align:center"><span style="font-size:16px"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:140%">생성형 AI 활용 서비스</span></span></span></h2> </td> </tr> <tr> <td style="background-color:#dfe6f7; border-bottom:0px solid #000000; border-left:none; border-right:0px solid #000000; border-top:0px solid #000000; height:163px; vertical-align:middle; width:102px"> <h2 style="text-align:center"><span style="font-size:16px"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:140%">규제개선 수용</span></span></span></h2> <h2 style="text-align:center"><span style="font-size:16px"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:140%">(1건)</span></span></span></h2> </td> <td style="border-bottom:0px solid #000000; border-left:0px solid #000000; border-right:0px solid #000000; border-top:0px solid #000000; height:163px; vertical-align:middle; width:244px"> <h2 style="text-align:center"> </h2> <h2 style="text-align:center"> </h2> <h2 style="text-align:center"> </h2> <h2 style="text-align:center"> </h2> <h2 style="text-align:center"><span style="font-size:16px"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:120%">한국예탁결제원 외 18개사*</span></span></span></h2> <h2 style="text-align:center"><span style="font-size:16px"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:120%">(1건)</span></span></span></h2> <div style="text-align:left"><span style="font-size:16px"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:125%">*DB증권, KB증권, NH투자증권, 대신증권, 메리츠증권, 미래에셋증권, 삼성증권, 신영증권, 신한투자증권, 유안타증권, 유진투자증권, 카카오페이증권, 키움증권, 토스증권, 하나증권, 아이엠증권, 한국투자증권, 한화투자증권</span></span></span></div> <div style="text-align:left"> </div> <div style="text-align:left"> </div> </td> <td style="border-bottom:0px solid #000000; border-left:0px solid #000000; border-right:none; border-top:0px solid #000000; height:163px; vertical-align:middle; width:289px"> <h2 style="text-align:center"> </h2> <h2 style="text-align:center"> </h2> <h2 style="text-align:center"><span style="font-size:16px"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:140%">해외주식 소수점 거래 서비스</span></span></span></h2> </td> </tr> </tbody> </table> <div> </div> </div>