<p style="text-align:center"> </p> <table cellspacing="0" style="border-collapse:collapse; width:1200px"> <tbody> <tr> <td style="border-bottom:none; border-left:0px solid #000000; border-right:0px solid #000000; border-top:0px solid #000000; height:162px; vertical-align:middle; width:638px"> <p style="text-align:center"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:135%"><span style="font-size:26.0pt"><strong>혁신금융서비스 지정으로</strong></span></span></span></p> <p style="text-align:center"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:135%"><span style="font-size:26.0pt"><strong>서민</strong></span><span style="font-size:26.0pt"><strong>·</strong></span><span style="font-size:26.0pt"><strong>취약계층의 금융 접근성이 제고되고</strong></span><span style="font-size:26.0pt"><strong>, </strong></span><span style="font-size:26.0pt"><strong>이자 부담이 경감됩니다</strong></span><span style="font-size:26.0pt"><strong>.</strong></span></span></span></p> <p style="text-align:center"><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:135%"><span style="font-size:17.0pt"><strong>우체국</strong></span><span style="font-size:17.0pt">·</span><span style="font-size:17.0pt"><strong>저축은행</strong></span><span style="font-size:17.0pt">을 활용한 </span><span style="font-size:17.0pt"><strong>은행대리업</strong></span> <span style="font-size:17.0pt">서비스</span><span style="font-size:17.0pt">,</span><br /> <span style="font-size:17.0pt">마이데이터 기반 </span><span style="font-size:17.0pt"><strong>금리인하요구 대행 </strong></span><span style="font-size:17.0pt">서비스 등 </span><span style="font-size:17.0pt"><strong>신규 지정</strong></span></span></span></p> </td> </tr> <tr> <td style="border-bottom:none; border-left:0px solid #000000; border-right:0px solid #000000; border-top:none; height:115px; vertical-align:middle; width:638px"> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:140%"><span style="font-size:14.0pt">▴ </span><span style="font-size:14.0pt">(</span><span style="font-size:14.0pt"><strong>은행대리업</strong></span><span style="font-size:14.0pt">) </span><span style="font-size:14.0pt"><strong>‘26.</strong></span><span style="font-size:14.0pt"><strong>상반기</strong></span> <span style="font-size:14.0pt">중 전국 </span><span style="font-size:14.0pt"><strong>20</strong></span><span style="font-size:14.0pt"><strong>여개 총괄우체국</strong></span><span style="font-size:12.0pt">(</span><span style="font-size:12.0pt">운영지역 협의 중</span><span style="font-size:12.0pt">)</span><span style="font-size:14.0pt">에서 </span><span style="font-size:14.0pt"><strong>4</strong></span><span style="font-size:14.0pt"><strong>대 은행</strong></span><span style="font-size:12.0pt">(KB</span><span style="font-size:12.0pt">국민</span><span style="font-size:12.0pt">·</span><span style="font-size:12.0pt">신한</span><span style="font-size:12.0pt">·</span><span style="font-size:12.0pt">우리</span><span style="font-size:12.0pt">·</span><span style="font-size:12.0pt">하나</span><span style="font-size:12.0pt">)</span> <span style="font-size:14.0pt"><strong>대출상품 판매</strong></span> <span style="font-size:14.0pt"><strong>개시 추진</strong></span></span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="font-size:4.0pt"><span style="line-height:140%"> </span></span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:140%"><span style="font-size:14.0pt">▴ </span><span style="font-size:14.0pt">(</span><span style="font-size:14.0pt"><strong>금리인하요구 대행</strong></span><span style="font-size:14.0pt">) </span><span style="font-size:14.0pt"><strong>‘26.1</strong></span><span style="font-size:14.0pt"><strong>분기 </strong></span><span style="font-size:14.0pt">중 은행권 개인 대출에 대하여</span> <span style="font-size:14.0pt"><strong>마이데이터 사업자</strong></span><span style="font-size:14.0pt"><strong>(AI Agent)</strong></span><span style="font-size:14.0pt">가 차주를 대신하여 </span><span style="font-size:14.0pt"><strong>금리인하요구권을 </strong></span><span style="font-size:14.0pt"><strong>자동</strong></span><span style="font-size:14.0pt">으로 행사</span></span></span></p> </td> </tr> <tr> <td style="border-bottom:0px solid #000000; border-left:0px solid #000000; border-right:0px solid #000000; border-top:none; height:30px; vertical-align:middle; width:638px"> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="font-size:12.0pt">【</span><span style="font-size:12.0pt">관련 국정과제</span><span style="font-size:12.0pt">】 </span><span style="font-size:12.0pt">59. </span><span style="font-size:12.0pt">서민</span><span style="font-size:12.0pt">·</span><span style="font-size:12.0pt">취약계층을 위한 포용금융 강화</span></span></p> </td> </tr> </tbody> </table> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:155%"> </span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:155%"><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">12</span><span style="font-size:14.0pt">월 </span><span style="font-size:14.0pt">17</span><span style="font-size:14.0pt">일 정례회의를 통해 국민은행 외 </span><span style="font-size:14.0pt">12</span><span style="font-size:14.0pt">개 </span><span style="font-size:14.0pt">금융회사 및 우정사업본부의 </span><span style="font-size:14.0pt">‘</span><span style="font-size:14.0pt"><strong>은행 업무 위탁</strong></span><span style="font-size:14.0pt">을 통한 </span><span style="font-size:14.0pt"><strong>은행대리업 </strong></span><span style="font-size:14.0pt">서비스</span><span style="font-size:12.0pt">(14</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">국민은행 외 </span><span style="font-size:14.0pt">18</span><span style="font-size:14.0pt">개사의 </span><span style="font-size:14.0pt">‘</span><span style="font-size:14.0pt"><strong>마이데이터</strong></span><span style="font-size:14.0pt">를 활용한 </span><span style="font-size:14.0pt"><strong>금리인하요구권 대행 </strong></span><span style="font-size:14.0pt">서비스</span><span style="font-size:12.0pt">(19</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">등</span><span style="font-size:14.0pt">*</span><span style="font-size:14.0pt">을 </span><span style="font-size:14.0pt"><strong>혁신금융서비스</strong></span><span style="font-size:14.0pt">로 </span><span style="font-size:14.0pt"><strong>신규 지정</strong></span><span style="font-size:14.0pt">하였다</span><span style="font-size:14.0pt">.</span></span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="font-size:4.0pt"><span style="line-height:155%"> </span></span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:155%"><span style="font-size:12.0pt">* ERP </span><span style="font-size:12.0pt">이용 기업고객 대상 제휴 계좌 개설 서비스</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:12.0pt">망분리 규제 특례</span><span style="font-size:12.0pt">(28</span><span style="font-size:12.0pt">건</span><span style="font-size:12.0pt">) </span><span style="font-size:12.0pt">신규 지정</span></span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:155%"> </span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:155%"><span style="font-size:15.0pt">1. </span><span style="font-size:15.0pt">은행 업무 위탁을 통한 은행대리업 서비스</span></span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:155%"> </span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:155%"><span style="font-size:14.0pt">최근 </span><span style="font-size:14.0pt"><strong>은행</strong></span> <span style="font-size:14.0pt"><strong>대면 영업점 수</strong></span><span style="font-size:14.0pt">의 </span><span style="font-size:14.0pt"><strong>감소</strong></span><span style="font-size:14.0pt">*</span><span style="font-size:14.0pt">로 인해</span><span style="font-size:14.0pt">, </span><span style="font-size:14.0pt"><strong>고령층</strong></span> <span style="font-size:14.0pt">등 </span><span style="font-size:14.0pt"><strong>디지털 취약계층</strong></span><span style="font-size:14.0pt">의 </span><span style="font-size:14.0pt"><strong>금융접근성 감소 우려</strong></span><span style="font-size:14.0pt">가 </span><span style="font-size:14.0pt"><strong>제기</strong></span><span style="font-size:14.0pt">되어 왔다</span><span style="font-size:14.0pt">. </span><span style="font-size:14.0pt">금융위원회는 이에 </span><span style="font-size:14.0pt"><strong>소비자</strong></span><span style="font-size:14.0pt">의 </span><span style="font-size:14.0pt"><strong>금융접근성</strong></span> <span style="font-size:14.0pt"><strong>제고</strong></span><span style="font-size:14.0pt">를 위해 </span><span style="font-size:14.0pt"><strong>은행대리업</strong></span><span style="font-size:14.0pt">**</span> <span style="font-size:14.0pt"><strong>도입</strong></span><span style="font-size:14.0pt">을 추진해 왔으며</span><span style="font-size:12.0pt">(</span><span style="font-size:12.0pt">’</span><span style="font-size:12.0pt">25.3</span><span style="font-size:12.0pt">월</span><span style="font-size:12.0pt">~)</span><span style="font-size:14.0pt">, </span><span style="font-size:14.0pt"><strong>은행법 개정</strong></span><span style="font-size:14.0pt">을 통한 </span><span style="font-size:14.0pt"><strong>정식 도입</strong></span> <span style="font-size:14.0pt">전까지 </span><span style="font-size:14.0pt"><strong>시범 운영</strong></span><span style="font-size:14.0pt">하기 위해 </span><span style="font-size:14.0pt"><strong>4</strong></span><span style="font-size:14.0pt"><strong>대 은행</strong></span><span style="font-size:12.0pt">(</span><span style="font-size:12.0pt">국민</span><span style="font-size:12.0pt">·</span><span style="font-size:12.0pt">신한</span><span style="font-size:12.0pt">·</span><span style="font-size:12.0pt">우리</span><span style="font-size:12.0pt">·</span><span style="font-size:12.0pt">하나</span><span style="font-size:12.0pt">)</span><span style="font-size:14.0pt">, </span><span style="font-size:14.0pt"><strong>우정사업본부 </strong></span><span style="font-size:14.0pt">및 </span><span style="font-size:14.0pt"><strong>9</strong></span><span style="font-size:14.0pt"><strong>개 저축은행</strong></span><span style="font-size:12.0pt">(</span><span style="font-size:12.0pt">동양</span><span style="font-size:12.0pt">·</span><span style="font-size:12.0pt">모아</span><span style="font-size:12.0pt">·</span><span style="font-size:12.0pt">센트럴</span><span style="font-size:12.0pt">·</span><span style="font-size:12.0pt">오성</span><span style="font-size:12.0pt">·SBI·</span><span style="font-size:12.0pt">인천</span><span style="font-size:12.0pt">·</span><span style="font-size:12.0pt">제이티친애</span><span style="font-size:12.0pt">·</span><span style="font-size:12.0pt">진주</span><span style="font-size:12.0pt">·</span><span style="font-size:12.0pt">한성</span><span style="font-size:12.0pt">)</span><span style="font-size:14.0pt">을 </span><span style="font-size:14.0pt"><strong>금번</strong></span> <span style="font-size:14.0pt"><strong>혁신금융사업자</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></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="font-size:4.0pt"><span style="line-height:155%"> </span></span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:155%"><span style="font-size:12.0pt">* </span><span style="font-size:12.0pt">전국 </span><span style="font-size:12.0pt">은행 점포 수 </span><span style="font-size:12.0pt">: (’15</span><span style="font-size:12.0pt">말</span><span style="font-size:12.0pt">) 7,313 (’20</span><span style="font-size:12.0pt">말</span><span style="font-size:12.0pt">) 6,454 (’23</span><span style="font-size:12.0pt">말</span><span style="font-size:12.0pt">) 5,794 (’24</span><span style="font-size:12.0pt">말</span><span style="font-size:12.0pt">) 5,683</span><span style="font-size:11.0pt">(</span><span style="font-size:11.0pt">출처</span><span style="font-size:11.0pt">:</span><span style="font-size:11.0pt">한국은행</span><span style="font-size:11.0pt">)</span></span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="font-size:2.0pt"><span style="line-height:155%"> </span></span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:155%"><span style="font-size:12.0pt">** </span><span style="font-size:12.0pt">은행법상 </span><span style="font-size:12.0pt"><strong>은행 고유업무</strong></span><span style="font-size:11.0pt">(</span><span style="font-size:11.0pt">➊</span><span style="font-size:11.0pt">예</span><span style="font-size:11.0pt">·</span><span style="font-size:11.0pt">적금</span><span style="font-size:11.0pt">, </span><span style="font-size:11.0pt">➋</span><span style="font-size:11.0pt">대출</span><span style="font-size:11.0pt">, </span><span style="font-size:11.0pt">➌</span><span style="font-size:11.0pt">이체 등 환거래</span><span style="font-size:11.0pt">)</span><span style="font-size:12.0pt">를 은행이 아닌 </span><span style="font-size:12.0pt"><strong>제</strong></span><span style="font-size:12.0pt"><strong>3</strong></span><span style="font-size:12.0pt"><strong>자</strong></span><span style="font-size:12.0pt">가 </span><span style="font-size:12.0pt"><strong>대신 </strong></span><span style="font-size:12.0pt"><strong>수행</strong></span><span style="font-size:12.0pt">할 수 있도록 </span><span style="font-size:12.0pt"><strong>허용</strong></span><span style="font-size:12.0pt">하는 제도</span><span style="font-size:11.0pt">(</span><span style="font-size:11.0pt">｢</span><span style="font-size:11.0pt">금융접근성 제고를 위한 은행업무 위탁 활성화 방안</span><span style="font-size:11.0pt">(‘25.3</span><span style="font-size:11.0pt">월</span><span style="font-size:11.0pt">)</span><span style="font-size:11.0pt">｣</span><span style="font-size:11.0pt">)</span></span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:145%"><span style="font-size:14.0pt"><strong>기존</strong></span><span style="font-size:14.0pt">에는 </span><span style="font-size:14.0pt"><strong>은행</strong></span><span style="font-size:14.0pt">의 </span><span style="font-size:14.0pt"><strong>본질적 업무</strong></span><span style="font-size:14.0pt">인 </span><span style="font-size:14.0pt"><strong>예금</strong></span><span style="font-size:14.0pt"><strong>·</strong></span><span style="font-size:14.0pt"><strong>대출 상품 </strong></span><span style="font-size:14.0pt">관련 </span><span style="font-size:14.0pt"><strong>계약</strong></span> <span style="font-size:14.0pt"><strong>체결 </strong></span><span style="font-size:14.0pt">및 </span><span style="font-size:14.0pt"><strong>해지</strong></span><span style="font-size:14.0pt">는 은행이 </span><span style="font-size:14.0pt"><strong>제</strong></span><span style="font-size:14.0pt"><strong>3</strong></span><span style="font-size:14.0pt"><strong>자</strong></span><span style="font-size:14.0pt">에게 </span><span style="font-size:14.0pt"><strong>위탁</strong></span><span style="font-size:14.0pt">하는 것이 </span><span style="font-size:14.0pt"><strong>제한</strong></span><span style="font-size:14.0pt">*</span><span style="font-size:14.0pt">되었다</span><span style="font-size:14.0pt">. </span><span style="font-size:14.0pt">그러나 금번 </span><span style="font-size:14.0pt"><strong>혁신</strong></span><span style="font-size:14.0pt"><strong>금융서비스 지정</strong></span><span style="font-size:14.0pt">을 통해 </span><span style="font-size:14.0pt"><strong>은행</strong></span><span style="font-size:14.0pt">이 동 업무를 </span><span style="font-size:14.0pt"><strong>우체국 </strong></span><span style="font-size:14.0pt">및 </span><span style="font-size:14.0pt"><strong>저축은행</strong></span><span style="font-size:12.0pt">(</span><span style="font-size:12.0pt">이하 수탁기관</span><span style="font-size:12.0pt">)</span><span style="font-size:14.0pt">에 </span><span style="font-size:14.0pt"><strong>위탁</strong></span><span style="font-size:14.0pt">할 수 있게 되어</span><span style="font-size:14.0pt">, </span><span style="font-size:14.0pt"><strong>은행 영업점</strong></span><span style="font-size:14.0pt">이 </span><span style="font-size:14.0pt"><strong>없는 곳</strong></span><span style="font-size:14.0pt">에서도 소비자가 </span><span style="font-size:14.0pt"><strong>수탁기관</strong></span><span style="font-size:14.0pt">을 </span><span style="font-size:14.0pt"><strong>방문</strong></span><span style="font-size:14.0pt">해 </span><span style="font-size:14.0pt"><strong>은행 업무</strong></span><span style="font-size:14.0pt">를 </span><span style="font-size:14.0pt"><strong>이용</strong></span><span style="font-size:14.0pt">하는 것이 </span><span style="font-size:14.0pt"><strong>가능</strong></span><span style="font-size:14.0pt">해졌다</span><span style="font-size:14.0pt">. </span><span style="font-size:14.0pt">다만 수탁기관이 </span><span style="font-size:14.0pt">은행의 </span><span style="font-size:14.0pt"><strong>모든 업무</strong></span><span style="font-size:14.0pt">를 대신하는 것은 </span><span style="font-size:14.0pt"><strong>아니며</strong></span><span style="font-size:14.0pt">, </span><span style="font-size:14.0pt"><strong>고객</strong></span> <span style="font-size:14.0pt"><strong>상담</strong></span><span style="font-size:14.0pt">, </span><span style="font-size:14.0pt"><strong>거래 신청서 접수</strong></span><span style="font-size:14.0pt"><strong>,</strong></span> <span style="font-size:14.0pt"><strong>계약 체결 </strong></span><span style="font-size:14.0pt">등 일선 현장의</span> <span style="font-size:14.0pt"><strong>對</strong></span><span style="font-size:14.0pt"><strong>고객 접점업무</strong></span><span style="font-size:14.0pt">를 은행 </span><span style="font-size:14.0pt"><strong>대신 수행</strong></span><span style="font-size:14.0pt">한다</span><span style="font-size:14.0pt">**</span><span style="font-size:14.0pt">.</span></span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="font-size:4.0pt"><span style="line-height:145%"> </span></span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:145%"><span style="font-size:12.0pt">* </span><span style="font-size:12.0pt">｢</span><span style="font-size:12.0pt">금융기관의 업무위탁 등에 관한 규정</span><span style="font-size:11.0pt">(</span><span style="font-size:11.0pt">금융위 고시</span><span style="font-size:11.0pt">)</span><span style="font-size:12.0pt">｣ </span><span style="font-size:12.0pt">제</span><span style="font-size:12.0pt">3</span><span style="font-size:12.0pt">조제</span><span style="font-size:12.0pt">1</span><span style="font-size:12.0pt">항 및 </span><span style="font-size:12.0pt">[</span><span style="font-size:12.0pt">별표</span><span style="font-size:12.0pt">2] </span><span style="font-size:12.0pt">등</span><br /> <span style="font-size:12.0pt">** </span><span style="font-size:12.0pt">｢</span><span style="font-size:12.0pt">금융접근성 제고를 위한 은행업무 위탁 활성화 방안</span><span style="font-size:11.0pt">(‘25.3</span><span style="font-size:11.0pt">월</span><span style="font-size:11.0pt">)</span><span style="font-size:12.0pt">｣ </span><span style="font-size:12.0pt">내용</span></span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="font-size:2.0pt"><span style="line-height:145%"> </span></span></span></p> <p> </p> <table cellspacing="0" style="border-collapse:collapse"> <tbody> <tr> <td style="border-bottom:0px dotted #000000; border-left:0px dotted #000000; border-right:0px dotted #000000; border-top:0px dotted #000000; height:106px; vertical-align:middle; width:639px"> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="font-size:4.0pt"><span style="line-height:150%"> </span></span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:150%"><span style="font-size:12.0pt"><</span><span style="font-size:12.0pt"><strong>업무수행 예시 </strong></span><span style="font-size:12.0pt"><strong>: </strong></span><span style="font-size:12.0pt"><strong>개인신용대출 신규 취급 시</strong></span><span style="font-size:12.0pt">></span></span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="font-size:2.0pt"><span style="line-height:150%"> </span></span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:150%"><span style="font-size:12.0pt">➊ </span><span style="font-size:12.0pt"><strong>(</strong></span><span style="font-size:12.0pt"><strong>수탁기관</strong></span><span style="font-size:12.0pt"><strong>) </strong></span><span style="font-size:12.0pt">대출상품 설명 및 상담 </span><span style="font-size:12.0pt">→ </span><span style="font-size:12.0pt">대출거래 신청서 등 징구 </span><span style="font-size:12.0pt">→ </span><span style="font-size:12.0pt">고객정보 전산 입력 </span><span style="font-size:12.0pt">→ ➋ </span><span style="font-size:12.0pt"><strong>(</strong></span><span style="font-size:12.0pt"><strong>은행</strong></span><span style="font-size:12.0pt"><strong>) </strong></span><span style="font-size:12.0pt">대출 심사 실시 및 금리</span><span style="font-size:12.0pt">·</span><span style="font-size:12.0pt">한도 산정 </span><span style="font-size:12.0pt">→ ➌</span><span style="font-size:12.0pt"><strong>(</strong></span><span style="font-size:12.0pt"><strong>수탁기관</strong></span><span style="font-size:12.0pt"><strong>) </strong></span><span style="font-size:12.0pt">고객 대상</span> <span style="font-size:12.0pt">대출조건 안내 </span><span style="font-size:12.0pt">→ ➍</span><span style="font-size:12.0pt"><strong>(</strong></span><span style="font-size:12.0pt"><strong>은행</strong></span><span style="font-size:12.0pt"><strong>)</strong></span> <span style="font-size:12.0pt">대출 승인 </span><span style="font-size:12.0pt">→ ➎</span><span style="font-size:12.0pt"><strong>(</strong></span><span style="font-size:12.0pt"><strong>수탁기관</strong></span><span style="font-size:12.0pt"><strong>)</strong></span> <span style="font-size:12.0pt">약정서 자서</span><span style="font-size:12.0pt">, </span><span style="font-size:12.0pt">은행에 송부 </span><span style="font-size:12.0pt">→ ➏</span><span style="font-size:12.0pt"><strong>(</strong></span><span style="font-size:12.0pt"><strong>은행</strong></span><span style="font-size:12.0pt"><strong>)</strong></span> <span style="font-size:12.0pt">대출금 입금</span></span></span></p> </td> </tr> </tbody> </table> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="font-size:12.0pt"><span style="line-height:145%"> </span></span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:145%"><span style="font-size:14.0pt">동 서비스로 인해 </span><span style="font-size:14.0pt"><strong>소비자</strong></span><span style="font-size:14.0pt">는 </span><span style="font-size:14.0pt"><strong>은행 업무</strong></span><span style="font-size:14.0pt">를 </span><span style="font-size:14.0pt"><strong>대면</strong></span> <span style="font-size:14.0pt"><strong>이용</strong></span><span style="font-size:14.0pt">할 수 있는 </span><span style="font-size:14.0pt"><strong>채널</strong></span><span style="font-size:14.0pt">이 </span><span style="font-size:14.0pt"><strong>증가</strong></span><span style="font-size:14.0pt">할 뿐 아니라</span><span style="font-size:14.0pt">, </span><span style="font-size:14.0pt"><strong>다양한</strong></span> <span style="font-size:14.0pt"><strong>금융상품</strong></span><span style="font-size:14.0pt">을</span> <span style="font-size:14.0pt"><strong>대면 비교</strong></span><span style="font-size:14.0pt">할 수 있게 되는 등 </span><span style="font-size:14.0pt"><strong>편익</strong></span><span style="font-size:14.0pt">이 </span><span style="font-size:14.0pt"><strong>제고</strong></span><span style="font-size:14.0pt">될 것으로 기대된다</span><span style="font-size:14.0pt">. </span><span style="font-size:14.0pt"><strong>수탁기관</strong></span><span style="font-size:14.0pt">이 </span><span style="font-size:14.0pt"><strong>2</strong></span><span style="font-size:14.0pt"><strong>개 이상</strong></span><span style="font-size:14.0pt">의</span> <span style="font-size:14.0pt"><strong>은행</strong></span><span style="font-size:14.0pt">과 </span><span style="font-size:14.0pt"><strong>제휴</strong></span><span style="font-size:14.0pt">를 맺을 경우</span><span style="font-size:14.0pt">, </span><span style="font-size:14.0pt">소비자는 </span><span style="font-size:14.0pt"><strong>한 곳</strong></span><span style="font-size:14.0pt">에서 </span><span style="font-size:14.0pt"><strong>대면</strong></span><span style="font-size:14.0pt">으로 </span><span style="font-size:14.0pt"><strong>다양한</strong></span> <span style="font-size:14.0pt"><strong>예금</strong></span> <span style="font-size:14.0pt">또는 </span><span style="font-size:14.0pt"><strong>대출</strong></span> <span style="font-size:14.0pt"><strong>상품</strong></span><span style="font-size:14.0pt">의</span> <span style="font-size:14.0pt"><strong>금리 </strong></span><span style="font-size:14.0pt">등을 </span><span style="font-size:14.0pt"><strong>비교</strong></span><span style="font-size:14.0pt">해 보고 자신에게 </span><span style="font-size:14.0pt"><strong>유리</strong></span><span style="font-size:14.0pt">한 상품을 </span><span style="font-size:14.0pt"><strong>선택</strong></span><span style="font-size:14.0pt">할 수 있게 된다</span><span style="font-size:14.0pt">.</span></span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="font-size:6.0pt"><span style="line-height:145%"> </span></span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:145%"><span style="font-size:12.0pt">※ </span><span style="font-size:12.0pt">기존 은행 예금</span><span style="font-size:12.0pt">·</span><span style="font-size:12.0pt">대출상품 비교 서비스는 주로 인터넷 홈페이지</span><span style="font-size:12.0pt">, </span><span style="font-size:12.0pt">모바일 앱을 통해 이용 가능</span></span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="font-size:12.0pt"><span style="line-height:145%"> </span></span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:145%"><span style="font-size:14.0pt">금융위원회는 은행대리업 운영 시 </span><span style="font-size:14.0pt"><strong>부가조건</strong></span><span style="font-size:14.0pt">으로 </span><span style="font-size:14.0pt">소비자에 대한 </span><span style="font-size:14.0pt"><strong>손해배상</strong></span><span style="font-size:14.0pt"><strong>책임 </strong></span><span style="font-size:14.0pt">등 </span><span style="font-size:14.0pt"><strong>법적 책임</strong></span><span style="font-size:14.0pt">이 </span><span style="font-size:14.0pt"><strong>기본적</strong></span><span style="font-size:14.0pt">으로 위탁자인 </span><span style="font-size:14.0pt"><strong>은행</strong></span><span style="font-size:14.0pt">에 </span><span style="font-size:14.0pt"><strong>귀속</strong></span><span style="font-size:14.0pt">된다는 점을 계약 등을 통해 </span><span style="font-size:14.0pt"><strong>명확히</strong></span> <span style="font-size:14.0pt">하도록 하는 등 </span><span style="font-size:14.0pt"><strong>소비자 보호</strong></span><span style="font-size:14.0pt">를 </span><span style="font-size:14.0pt"><strong>충실히</strong></span> <span style="font-size:14.0pt">하기 위한 </span><span style="font-size:14.0pt"><strong>보완</strong></span><span style="font-size:14.0pt"><strong>장치</strong></span><span style="font-size:14.0pt">도 </span><span style="font-size:14.0pt"><strong>마련</strong></span><span style="font-size:14.0pt">하였다</span><span style="font-size:14.0pt">. </span><span style="font-size:14.0pt">또한 </span><span style="font-size:14.0pt"><strong>은행</strong></span><span style="font-size:14.0pt">이 </span><span style="font-size:14.0pt"><strong>은행대리업 운영</strong></span><span style="font-size:14.0pt">을 이유로 인근</span> <span style="font-size:14.0pt"><strong>영업점</strong></span><span style="font-size:14.0pt">을 </span><span style="font-size:14.0pt"><strong>폐쇄</strong></span><span style="font-size:14.0pt">하는 것을</span> <span style="font-size:14.0pt"><strong>제한</strong></span><span style="font-size:14.0pt">하여</span><span style="font-size:14.0pt">, </span><span style="font-size:14.0pt"><strong>은행대리업</strong></span><span style="font-size:14.0pt">이 </span><span style="font-size:14.0pt"><strong>은행</strong></span><span style="font-size:14.0pt">의 </span><span style="font-size:14.0pt"><strong>점포 폐쇄 수단</strong></span><span style="font-size:14.0pt">으로 </span><span style="font-size:14.0pt"><strong>활용</strong></span><span style="font-size:14.0pt">되는 것을 </span><span style="font-size:14.0pt"><strong>방지</strong></span><span style="font-size:14.0pt">한다</span><span style="font-size:14.0pt">.</span></span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="font-size:12.0pt"><span style="line-height:145%"> </span></span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:145%"><span style="font-size:14.0pt"><strong>금융위원회</strong></span><span style="font-size:14.0pt">는 이와 같은 </span><span style="font-size:14.0pt"><strong>혁신금융서비스 지정 내용</strong></span><span style="font-size:14.0pt">을 토대로 </span><span style="font-size:14.0pt"><strong>4</strong></span><span style="font-size:14.0pt"><strong>대</strong></span> <span style="font-size:14.0pt"><strong>은행</strong></span><span style="font-size:14.0pt">, </span><span style="font-size:14.0pt"><strong>우정사업본부</strong></span> <span style="font-size:14.0pt">및 </span><span style="font-size:14.0pt"><strong>금융결제원</strong></span> <span style="font-size:14.0pt">등 </span><span style="font-size:14.0pt"><strong>관계기관</strong></span><span style="font-size:14.0pt">과 함께 </span><span style="font-size:14.0pt"><strong>은행대리업</strong></span> <span style="font-size:14.0pt"><strong>시범운영</strong></span><span style="font-size:14.0pt">을 </span><span style="font-size:14.0pt"><strong>준비</strong></span> <span style="font-size:14.0pt"><strong>중</strong></span><span style="font-size:14.0pt">이다</span><span style="font-size:14.0pt">. </span><span style="font-size:14.0pt">은행대리업 시범운영은 현재 </span><span style="font-size:14.0pt"><strong>26</strong></span><span style="font-size:14.0pt"><strong>년 상반기</strong></span> <span style="font-size:14.0pt">중 전국 </span><span style="font-size:14.0pt"><strong>20</strong></span><span style="font-size:14.0pt"><strong>여개 총괄우체국</strong></span><span style="font-size:14.0pt">*</span><span style="font-size:14.0pt">에서 </span><span style="font-size:14.0pt"><strong>4</strong></span><span style="font-size:14.0pt"><strong>대 은행</strong></span><span style="font-size:12.0pt">(KB</span><span style="font-size:12.0pt">국민</span><span style="font-size:12.0pt">·</span><span style="font-size:12.0pt">신한</span><span style="font-size:12.0pt">·</span><span style="font-size:12.0pt">우리</span><span style="font-size:12.0pt">·</span><span style="font-size:12.0pt">하나</span><span style="font-size:12.0pt">)</span> <span style="font-size:14.0pt"><strong>대출상품</strong></span><span style="font-size:12.0pt">(</span><span style="font-size:12.0pt">개인신용대출</span><span style="font-size:12.0pt">, </span><span style="font-size:12.0pt">정책서민금융상품 등</span><span style="font-size:12.0pt">)</span><span style="font-size:14.0pt">부터 </span><span style="font-size:14.0pt"><strong>판매 개시</strong></span><span style="font-size:14.0pt">하는 것을 </span><span style="font-size:14.0pt"><strong>목표</strong></span><span style="font-size:14.0pt">로 추진 중이다</span><span style="font-size:14.0pt">.</span></span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="font-size:4.0pt"><span style="line-height:145%"> </span></span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:145%"><span style="font-size:12.0pt">* </span><span style="font-size:12.0pt">각 시</span><span style="font-size:12.0pt">·</span><span style="font-size:12.0pt">군 내 관할 우체국의 우편</span><span style="font-size:12.0pt">·</span><span style="font-size:12.0pt">금융업무 등을 총괄</span><span style="font-size:12.0pt">(</span><span style="font-size:12.0pt">전국 총 </span><span style="font-size:12.0pt">223</span><span style="font-size:12.0pt">개</span><span style="font-size:12.0pt">)</span></span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="line-height:150%"><span style="font-size:14.0pt"><strong>시범운영 지역</strong></span><span style="font-size:12.0pt">(</span><span style="font-size:12.0pt">대상 총괄우체국</span><span style="font-size:12.0pt">)</span><span style="font-size:14.0pt">은 </span><span style="font-size:14.0pt"><strong>지역 안배</strong></span><span style="font-size:14.0pt">, </span><span style="font-size:14.0pt">지역별 </span><span style="font-size:14.0pt"><strong>금융접근성 </strong></span><span style="font-size:14.0pt"><strong>제고 필요</strong></span> <span style="font-size:14.0pt">등을 고려하여 우정사업본부 등과 </span><span style="font-size:14.0pt"><strong>협의 중</strong></span><span style="font-size:14.0pt">이다</span><span style="font-size:14.0pt">. </span><span style="font-size:14.0pt">우체국의 </span><span style="font-size:14.0pt"><strong>은행</strong></span> <span style="font-size:14.0pt"><strong>예금</strong></span><span style="font-size:14.0pt"><strong>상품 판매</strong></span><span style="font-size:14.0pt">, </span><span style="font-size:14.0pt"><strong>저축은행</strong></span><span style="font-size:14.0pt">을 통한</span> <span style="font-size:14.0pt"><strong>서비스 제공</strong></span> <span style="font-size:14.0pt">등은 향후 </span><span style="font-size:14.0pt"><strong>운영상황</strong></span><span style="font-size:14.0pt">을 보아 </span><span style="font-size:14.0pt">가며 </span><span style="font-size:14.0pt"><strong>협의</strong></span><span style="font-size:14.0pt">를 거쳐 </span><span style="font-size:14.0pt"><strong>단계적</strong></span><span style="font-size:14.0pt">으로 </span><span style="font-size:14.0pt"><strong>실시</strong></span><span style="font-size:14.0pt">한다</span><span style="font-size:14.0pt">. </span><span style="font-size:14.0pt">금융위원회는 시범운영 과정에서 </span><span style="font-size:14.0pt"><strong>소비자 편익 제고효과</strong></span><span style="font-size:14.0pt">, </span><span style="font-size:14.0pt"><strong>보완사항</strong></span> <span style="font-size:14.0pt">등이 충분히 </span><span style="font-size:14.0pt"><strong>확인</strong></span><span style="font-size:14.0pt">된 이후 </span><span style="font-size:14.0pt"><strong>은행대리업 정식 도입</strong></span><span style="font-size:12.0pt">(</span><span style="font-size:12.0pt">제도화</span><span style="font-size:12.0pt">)</span><span style="font-size:14.0pt">을 위한 </span><span style="font-size:14.0pt"><strong>은행법 개정</strong></span><span style="font-size:14.0pt">*</span><span style="font-size:14.0pt">을 </span><span style="font-size:14.0pt"><strong>추진</strong></span><span style="font-size:14.0pt">할 계획이다</span><span style="font-size:14.0pt">.</span></span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="font-size:6.0pt"> </span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="font-size:12.0pt">* </span><span style="font-size:12.0pt">은행법상 은행대리업자에 대한 진입규제</span><span style="font-size:12.0pt">, </span><span style="font-size:12.0pt">영업행위 준칙 등 관련 조항을 신설</span><br /> <span style="font-size:12.0pt">→ </span><span style="font-size:12.0pt">현재 기 발의된 의원 제출 법안</span><span style="font-size:12.0pt">✝</span> <span style="font-size:12.0pt">보완 또는 정부 별도 입법 추진 검토</span><br /> <span style="font-size:11.0pt">(</span><span style="font-size:11.0pt">✝ </span><span style="font-size:11.0pt">최은석 의원</span><span style="font-size:11.0pt">(‘25.2</span><span style="font-size:11.0pt">월</span><span style="font-size:11.0pt">), </span><span style="font-size:11.0pt">이정문 의원</span><span style="font-size:11.0pt">(’25.7</span><span style="font-size:11.0pt">월</span><span style="font-size:11.0pt">) </span><span style="font-size:11.0pt">등 은행대리업 도입을 위한 은행법 개정안 기 발의</span><span style="font-size:11.0pt">)</span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="font-size:12.0pt"> </span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="font-size:15.0pt">2. </span><span style="font-size:15.0pt">마이데이터를 활용한 금리인하요구권 대행 서비스</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">그간 </span><span style="font-size:14.0pt"><strong>금리인하요구권</strong></span><span style="font-size:14.0pt">*</span> <span style="font-size:14.0pt">실효성 제고를 위해 금리인하 가능성이 있는 차주에 </span><span style="font-size:14.0pt">대한 선제적 안내</span><span style="font-size:12.0pt">(</span><span style="font-size:12.0pt">반기</span><span style="font-size:12.0pt">)</span><span style="font-size:14.0pt">, </span><span style="font-size:14.0pt">수용률 공시</span><span style="font-size:12.0pt">(</span><span style="font-size:12.0pt">반기</span><span style="font-size:12.0pt">)</span> <span style="font-size:14.0pt">등 </span><span style="font-size:14.0pt"><strong>다양한 제도적 노력을 지속</strong></span><span style="font-size:14.0pt">해왔으나</span><span style="font-size:14.0pt">, </span><span style="font-size:14.0pt">금리인하요구</span> <span style="font-size:14.0pt"><strong>신청건수</strong></span><span style="font-size:14.0pt"><strong>, </strong></span><span style="font-size:14.0pt"><strong>수용률 및 이자감면액 </strong></span><span style="font-size:14.0pt">등이</span><span style="font-size:14.0pt">‘24</span><span style="font-size:14.0pt">년부터 </span><span style="font-size:14.0pt"><strong>하락 추세</strong></span><span style="font-size:14.0pt">**</span><span style="font-size:14.0pt">로 전환하였다</span><span style="font-size:14.0pt">. </span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="font-size:6.0pt"> </span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="font-size:12.0pt">* </span><span style="font-size:12.0pt">신용 등급 또는 개인신용평점 상승 등 신용상태 개선이 나타난 경우 차주가 은행 등 금융회사에 금리인하를 요구할 수 있는 법적 권리</span><span style="font-size:12.0pt">(</span><span style="font-size:12.0pt">은행법 제</span><span style="font-size:12.0pt">30</span><span style="font-size:12.0pt">조의</span><span style="font-size:12.0pt">2)</span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="font-size:6.0pt"> </span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="font-size:12.0pt">** [</span><span style="font-size:12.0pt">신청 건수</span><span style="font-size:12.0pt">] (’22) 2,544</span><span style="font-size:12.0pt">천건 </span><span style="font-size:12.0pt">→ </span><span style="font-size:12.0pt">(‘23) 3,961</span><span style="font-size:12.0pt">천건 </span><span style="font-size:12.0pt">→ </span><span style="font-size:12.0pt">(’24) 3,895</span><span style="font-size:12.0pt">천건</span><br /> <span style="font-size:12.0pt">[</span><span style="font-size:12.0pt">수 용 률</span><span style="font-size:12.0pt">] (’22) 31.2% </span> <span style="font-size:12.0pt">→ </span><span style="font-size:12.0pt">(‘23) 35.7% </span><span style="font-size:12.0pt">→ </span><span style="font-size:12.0pt">(’24) 33.7%</span><br /> <span style="font-size:12.0pt">[</span><span style="font-size:12.0pt">이자감면액</span><span style="font-size:12.0pt">] </span> <span style="font-size:12.0pt">(’22) 1,905</span><span style="font-size:12.0pt">억원 </span><span style="font-size:12.0pt">→ </span><span style="font-size:12.0pt">(‘23) 3,203</span><span style="font-size:12.0pt">억원</span> <span style="font-size:12.0pt">→ </span><span style="font-size:12.0pt">(’24) 2,236</span><span style="font-size:12.0pt">억원</span></span></p> <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">이러한 </span><span style="font-size:14.0pt"><strong>하락 추세의</strong></span> <span style="font-size:14.0pt"><strong>주요 원인</strong></span><span style="font-size:14.0pt">으로 </span><span style="font-size:14.0pt"><strong>바쁜 생업</strong></span> <span style="font-size:14.0pt">등으로 인해 차주가 금리</span><span style="font-size:14.0pt">인하요구권의 존재 및 신청방법 등을 알지 못해 </span><span style="font-size:14.0pt"><strong>활용하지 못하는 경우</strong></span><span style="font-size:14.0pt">가 많다는 점이 지적되었다</span><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><span style="font-family:Arial,Helvetica,sans-serif"><span style="font-size:14.0pt">이에 앞으로는 </span><span style="font-size:14.0pt"><strong>개인 마이데이터 사업자</strong></span><span style="font-size:14.0pt"><strong>(AI Agent)</strong></span><span style="font-size:14.0pt">가 </span><span style="font-size:14.0pt"><strong>차주를 대신</strong></span><span style="font-size:14.0pt">해 개인 </span><span style="font-size:14.0pt">대출에 대해 금리인하요구권을 행사할 수 있다</span><span style="font-size:14.0pt">. </span><span style="font-size:14.0pt">생업에 바쁜 차주가 </span><span style="font-size:14.0pt"><strong>최초 </strong></span><span style="font-size:14.0pt"><strong>1</strong></span><span style="font-size:14.0pt"><strong>회만 </strong></span><span style="font-size:14.0pt"><strong>대리신청에 동의</strong></span><span style="font-size:14.0pt">하면</span><span style="font-size:14.0pt">, </span><span style="font-size:14.0pt">이후에는 직접 신청하지 않더라도 마이데이터 </span><span style="font-size:14.0pt">사업자가</span> <span style="font-size:14.0pt"><strong>금리인하 가능성이 있는 것으로 판단</strong></span><span style="font-size:14.0pt">하는 경우</span> <span style="font-size:14.0pt"><strong>자동</strong></span><span style="font-size:14.0pt"><strong>으로 금리인하요구 신청</strong></span><span style="font-size:14.0pt">을 한다</span><span style="font-size:14.0pt">. </span><span style="font-size:14.0pt">금리인하요구가 </span><span style="font-size:14.0pt"><strong>불수용</strong></span><span style="font-size:14.0pt">될 경우 그</span> <span style="font-size:14.0pt"><strong>사유를 파악</strong></span><span style="font-size:14.0pt">하여 수용되기 위해 </span><span style="font-size:14.0pt"><strong>필요한 사항을 차주에게 안내</strong></span><span style="font-size:14.0pt">할 수 있도록 한다</span><span style="font-size:14.0pt">.</span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="font-size:14.0pt">해당 서비스는 </span><span style="font-size:14.0pt"><strong>13</strong></span><span style="font-size:14.0pt"><strong>개 은행</strong></span><span style="font-size:14.0pt"><strong>*</strong></span><span style="font-size:14.0pt"><strong>의 개인 대출</strong></span><span style="font-size:14.0pt">에 대해</span><span style="font-size:14.0pt"><strong>‘26.1</strong></span><span style="font-size:14.0pt"><strong>분기부터 개시</strong></span><span style="font-size:14.0pt">될 </span><span style="font-size:14.0pt">예정이다</span><span style="font-size:14.0pt">. </span><span style="font-size:14.0pt">이후 은행권의 운영상황을 보아가며 저축은행</span><span style="font-size:14.0pt">, </span><span style="font-size:14.0pt">여전사 등</span> <span style="font-size:14.0pt"><strong>제</strong></span><span style="font-size:14.0pt"><strong>2</strong></span><span style="font-size:14.0pt"><strong>금융권</strong></span><span style="font-size:14.0pt">은 </span><span style="font-size:14.0pt"><strong>협의를 거쳐 단계적 추진</strong></span><span style="font-size:14.0pt">을 검토한다</span><span style="font-size:14.0pt">.</span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="font-size:6.0pt"> </span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="font-size:12.0pt">* </span><span style="font-size:12.0pt">신한</span><span style="font-size:12.0pt">, </span><span style="font-size:12.0pt">국민</span><span style="font-size:12.0pt">, </span><span style="font-size:12.0pt">우리</span><span style="font-size:12.0pt">, </span><span style="font-size:12.0pt">하나</span><span style="font-size:12.0pt">, </span><span style="font-size:12.0pt">기업</span><span style="font-size:12.0pt">, </span><span style="font-size:12.0pt">농협</span><span style="font-size:12.0pt">, </span><span style="font-size:12.0pt">SC</span><span style="font-size:12.0pt">제일은행</span><span style="font-size:12.0pt">, </span><span style="font-size:12.0pt">카카오뱅크</span><span style="font-size:12.0pt">, </span><span style="font-size:12.0pt">토스뱅크</span><span style="font-size:12.0pt">, </span><span style="font-size:12.0pt">부산</span><span style="font-size:12.0pt">, </span><span style="font-size:12.0pt">광주</span><span style="font-size:12.0pt">, </span><span style="font-size:12.0pt">전북</span><span style="font-size:12.0pt">, </span><span style="font-size:12.0pt">경남</span><br /> <span style="font-size:12.0pt">(</span><span style="font-size:12.0pt">이 외 아이엠뱅크</span><span style="font-size:12.0pt">, </span><span style="font-size:12.0pt">제주</span><span style="font-size:12.0pt">, </span><span style="font-size:12.0pt">수협</span><span style="font-size:12.0pt">, </span><span style="font-size:12.0pt">케이뱅크 등은 </span><span style="font-size:12.0pt">‘26</span><span style="font-size:12.0pt">년 상반기 중 개시 예정</span><span style="font-size:12.0pt">)</span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="font-size:12.0pt"> </span></span></p> <p><span style="font-family:Arial,Helvetica,sans-serif"><span style="font-size:14.0pt">동 서비스 지정을 통해 </span><span style="font-size:14.0pt"><strong>금융소비자</strong></span><span style="font-size:14.0pt">의</span> <span style="font-size:14.0pt"><strong>이자 부담</strong></span><span style="font-size:14.0pt">이 </span><span style="font-size:14.0pt"><strong>완화</strong></span><span style="font-size:14.0pt">되고</span><span style="font-size:14.0pt">, </span><span style="font-size:14.0pt"><strong>AI·</strong></span><span style="font-size:14.0pt"><strong>데이터 </strong></span><span style="font-size:14.0pt">등 </span><span style="font-size:14.0pt"><strong>기술</strong></span><span style="font-size:14.0pt">을 </span><span style="font-size:14.0pt"><strong>활용</strong></span><span style="font-size:14.0pt">한</span> <span style="font-size:14.0pt"><strong>포용금융</strong></span> <span style="font-size:14.0pt"><strong>확산의 계기</strong></span><span style="font-size:14.0pt">가 될 것으로 기대된다</span><span style="font-size:14.0pt">.</span></span></p> <div> </div>