'NPL' ڻ
DZб εð Ӹ(41) 20~30% ŵ ִٸ νä(NPL) ڸ ϸ鼭 40 ϴ ڱ ġ 30 ڻ ε ò.
ֱ ý ħü ӿ Ʈ ǽ ε ް ͷ 鼭 NPL ο ε ó ΰǸ鼭 ҹ Ⱑ ϰ ̴.
NPL(Non Performing Loan)̶ ̳ ڸ 3 ̻ ȸ νǴ ϸ äڿ ְ νȭ 쿡 , 㺸ε꿡 ϴµ ȸ ȭؼ ȭؾ Ѵ. ̷ νä Ź ȸ簡 ҽþ ڱ ü ΰ Ѵ.
̷ ڻȭ ȸ SPC(Special Purpose Company). , 츮F&I, ִµ äDZݾ ū 쿡 ϰ ұԸ ä Ź簡 þ ȭѴ. Ʈ Ű Ƿ Űڳ ο ȭȸ ŷ ִ.
ſ NPL ڴ 缭 ſ 3ڰ ִ. ų äǾ äǾ θ ȸ ֱ ڼ ʿϴ.
1~2 ش ִ. ΰݿ ޱ ͼ ų 5~10% Ϲ̴.
õ Ƽ ǹ ö
õ Ƽ Ÿ ϴ ǹ ߾.ȿƮ 4 öŵǸ鼭 ö 99% öԵǰ öſǹ öŵǾ.
Ƽ õÿ LH ܼƮ ΰ ̰ ̸鼭 ȹ Ȯ Ȳ ϴ ' 뿪' ̰ ʾ ̴.
Ƽ α 3 Ÿ ϴ öϰ 11õ200 Ʈ ÷ üյø Ǽϴ 2006 8 ÿ LH Ƽ 2013 ϷѴٴ ȹ̾ ħü ӵ ʾ鼭 ȭ߰ ޱ ȹ ϰ ƴ.
ȫ
ö ȫԱ 3 ⱸ ް ֹμͷ ̾ ȫ dz ־ ָ ȫ ΰŸ ӴḦ Űܿ ڰ ø鼭 ִ.
ϴ ö ϴ ԽƮϿ콺 ̿ϴ ܱ 鵵 ִµ ȭ 9 ְȯ Ǹ鼭ʹ.
ȫ ΰŸ 1 ( 33 ) 300-500 ϴ Ϳ ϸ ϴ 1 Ӵ 1,000 70~100 ̸ ȫԱ 100~150 Ӵᰡ ϰ Ǹݺκе ϴ.
2010 ö ܱ þ ԽƮϿ콺 ϰ ִµ 2012 19 10 31 12 ϰ ִµ 2012 ߱ ִ ԽƮϿ콺 ڰ 19, 12 ̴.
ź2ŵ 3
8 ź2ŵ 1000Ըµ ֱ ¸Դ 3 ϴ Ź ִ.
αⰡ D3̳ D4 ߽ Ź 1 2£ ְȣ 4 ̾ Ź ٸ ϵ 5õ-8õ ̾ Ǿ.
ϴ ֹο ־ ̳ܵ ִ . Ű ϰ ްݵ ٵ ٺ ڵ ɵ .
Ȳȭ ϱ żñ 䰡 ʿϸ ʱ 밨 Ǵ ǰ ༼ Բ ̾ ϶ϴ 鵵 ǰ ʿϴ.
߰ȹ ۿϴµ ź2ŵ ѱð(LH) 밳 ʺ 1 ̴ ȹ Ҹ ϴ ͵ 캼 ʿ䰡 ִ.
1ȸ ѵDZ , Ŀ LH Ϸθ ȾƾѴٴ ؾѴ.
2 ŵ
ȣ縦 Ⱑ DZ ߴ DZ 2 ŵ ֱ Ƿ Ӵ ϶ ϰ ִ.
DZ ŵ Ƿ 14.7% ϸ ŵ α 13%, ŵ ϴ Ƿ 30% ϰ ִ ̴.
Ƿ Ӵᵵ ϶ ŵ ֺ (145) Ӵᰡ 300~380̾ 270~350 ŵ `ε Ÿ` ֺ 170~300 ʺ 10~50 ȴ. DZ ʺ 50~100 .
, 9° Ӵ
ΰü 翡 迡 9° Ӵᰡ ΰŸ Ÿ. 鼭 Ӵ غ 6.4% ö.
3.3 Ӵ 245̾ ߱ ȫ ̺(ȭ 1,020), ̱ ư 5(845), ĸ (541) Ÿ.
Ӹ ƴ϶ ֿ Ӵ ö. ֺ Ӵ 213 6.4% ö, Ӵᰡ ƽþƿ 8° Ҵ. ƽþ 7. μ Ÿ λϸ鼭 Ӵ(96) Ⱓ 15.4% ö.
ܱ ũ ͵ Ӵ äߴµ 1~9 ߱ Աڴ ó 300 ü ܱ Աڵ Ⱓ 4.7% þ.
ѻȸǼҰ 70 '2014 ' ǽ ҸŽ 3% 276 Ÿ ̶ ִ.
ҸŽ 2011 8.4% 2 ް ϴ µ ȸ 밨 M-commerce( Ŀӽ), ո ž Ȱȭ Ծ 弼 ϰ ִ ̴.
ºδ ͳݼθ(10.3%), (8.1%), Ȩ(5.8%), ۸(5.3%), ȭ(3.9%), Ʈ(2.7%) غ Ǿ (-4.1%) ̳ʽ ӵɰ Ǿ.
оߺ δ ͳ θ ' Ȯ'(87.9%) 'ո Һ Ȯ'(81.8%), ' '(39.4%), 'ҿ뷮 ǰȣ'(39.4%) Ȯ PBǰ ǰ'(30.3%) ', Ŀ پȭ'(21.2%) Ȩ 'ͳݡ ȭ'(60.6%), 'ǰ پ ǰ '(42.4%) ȭ 'ո ű ࡤ'(54.5%), 'ܱ '(48.5%) ֿ Ҵ.
IT Ż ȭ ֺ
ѱũμƮ( ѱMS) ġ ȭ 縦 ű ʵη ؽ, Ʈ īī, sk÷ 縦 Ż Ŀ ִ.
DZ ũ븮 īī ̿ܿ NHNθƮ Ʈ, ̵忣θƮ, , ü ̹ ' ī' Ӱ λϰ ִ.
̷ Ѱ ȭ ٽ Ӵᰡ ֱ ο ǽ յ Ǿ Ӵᰡ ڿ 鼭 ϴ ð DMC ǵ, й븮 ǹ ӴḦ ռ ϴ뿡 縦 IT Ȥϰ ִ.
IT ̿ܿ BMWڸ, ڸ, Եī پ 鵵 ܰ ϸ鼭 ֺ Ƿ ũ 鼭 ǽ ֺ 鵵 ްִ.
Ƿ ں źź ǹֵ ü Ӵ븦 ʰ ־ Ӵᰡ ֱ Ż ȭǸ Ӵᰡ ϶ ɼ ִ.
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