[법무법인 민후] 핀테크의 현황과 법적규제_신기술 경영과 법 컨퍼런스
TRANSCRIPT
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INDEX
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,
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1.
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(Finance) (Technology) , IT
()
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1.
(Finance)
(Technology)
4
-
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1.
:
Fintech
Traditional
Fintech
( )
/IT
Emergent
Fintech
( )
5
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,
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2.
-
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2.
()
7
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,
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3.
-
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3.
9
-
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3.
: (with LGCNS)
10
-
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3.
:
(SE)
NFC
11
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3.
:
MST
NFC
12
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3.
2014.
3. 20.
2014.
4. 16.
2014.
7. 11.
,
2015.
3. 18.
2015.
6. 24.
13
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37 ( )
( ) .
1
.
3.
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4( )
3. 30
14
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3.
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37 ( ) ->
( ) .
1
.
4( ) ->
(2014. 4. 16. )
3. 30
15
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3.
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:
37( ) -> (2015. 3. 18. )
.
4( )
5( )
6( )
7( )
-> (2015. 9. 21. )
16
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36 ( )
, .
3.
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3( )
36 1
1 2 .
17
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36 ( )
, .
3.
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:
3( )
36 1
1 2 .
18
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3.
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19
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3.
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20
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36 ( ) -> (2015. 6. 24. )
.
3.
| www.minwho.kr
:
3( ) -> (2015. 9. 21. )
36 1
.
21
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3.
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22
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FDS()
Fraud Detection System , ( ,
, IP , )
3.
| www.minwho.kr
:
FDS
23
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3.
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24
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3.
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::
1.
2.
3.
4.
5.
25
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:
3 ()
.
2 ()
1. ""
( "" ),
.
3.
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::
26
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: , , , , (2 3)
:28 (2 4)
/ (2 5)
,
3.
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::
21 ,
7 38
27
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3.
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::
28
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, ,
,
, ,
3.
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::
: ,
29
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9 ( )
.
1.
2.
3. 21
1
3.
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::
30
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3.
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::
9 ( )
1
.
1.
2. ( 22 )
21
( ) .
31
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2012 1 2014 7
51 49
(Regulation E) : 3
, (60)
: 13
, 50 ( 8)
3.
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::
: ,
32
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11 ( )
.
.
3.
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::
33
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,
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4.
-
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4.
TOSS()
35
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4.
: TOSS()
A ()
B ()
(CMS)
36
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4.
:
+
18
37
A ()
B ()
-
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4.
:
:
38
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1970~1980
2010. 4. , 1 100
2011. 7. NTT DoCoMo 1 45 1 50
4.
| www.minwho.kr
::
39
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8 1 , ,
8 2 " "
, , ,
,
3 3
4.
| www.minwho.kr
::
40
-
(101 )
P2P
( )
2016. 3. 15. ,
, + ,
{1 3,000(360), 2 ( 2,400)}
3, 2
4.
| www.minwho.kr
::
41
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,
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5.
-
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5.
(, 1994)
What ?
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Why
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-
-
-
-
- : ,
43
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5.
| www.minwho.kr
(, 1994)
face-to-face
How ( )
44
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() -> ?
-8 2 1 : 1,000 ( 250 )
-9
:
: 20 ( 200 )
EU : 500 ( 65 )
5.
| www.minwho.kr
(1)
: ,
45
-
()
-162 1: 4/100
: BHCA() 25%
:
20%
/ ( )
5.
| www.minwho.kr
(2)
: ,
46
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-
-
-
- . , but
: //
- ( 2015. 6. 18.)
5.
| www.minwho.kr
(3)
47
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,
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6.
-
6.
| www.minwho.kr
()
(
)
( , )
,
49
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| www.minwho.kr
6.
: the guardian
50