{"id":50851,"date":"2026-07-03T23:28:24","date_gmt":"2026-07-03T23:28:24","guid":{"rendered":"https:\/\/www.vtmarkets.com\/kr-asia\/uncategorized\/%ec%9d%b8%eb%8f%84%ec%a4%91%ec%95%99%ec%9d%80%ed%96%89rbi-%ec%8b%a0%ec%9a%a9%ed%8f%89%ea%b0%80%ec%82%ac-%eb%94%94%ed%8f%b4%ed%8a%b8-%ec%8b%a4%ec%a0%81%ec%97%90-%ec%97%b0%eb%8f%99%ed%95%b4-%ec%8b%a0\/"},"modified":"2026-07-03T23:28:24","modified_gmt":"2026-07-03T23:28:24","slug":"%ec%9d%b8%eb%8f%84%ec%a4%91%ec%95%99%ec%9d%80%ed%96%89rbi-%ec%8b%a0%ec%9a%a9%ed%8f%89%ea%b0%80%ec%82%ac-%eb%94%94%ed%8f%b4%ed%8a%b8-%ec%8b%a4%ec%a0%81%ec%97%90-%ec%97%b0%eb%8f%99%ed%95%b4-%ec%8b%a0","status":"publish","type":"post","link":"https:\/\/www.vtmarkets.com\/kr-asia\/live-updates\/%ec%9d%b8%eb%8f%84%ec%a4%91%ec%95%99%ec%9d%80%ed%96%89rbi-%ec%8b%a0%ec%9a%a9%ed%8f%89%ea%b0%80%ec%82%ac-%eb%94%94%ed%8f%b4%ed%8a%b8-%ec%8b%a4%ec%a0%81%ec%97%90-%ec%97%b0%eb%8f%99%ed%95%b4-%ec%8b%a0\/","title":{"rendered":"\uc778\ub3c4\uc911\uc559\uc740\ud589(RBI), \uc2e0\uc6a9\ud3c9\uac00\uc0ac \ub514\ud3f4\ud2b8 \uc2e4\uc801\uc5d0 \uc5f0\ub3d9\ud574 \uc2e0\uc6a9\uc704\ud5d8\uac00\uc911\uce58 \uc870\uc815\u2026\ud68c\uc0ac\ucc44 \uc7ac\uac00\uaca9\ud654 \uc608\uace0"},"content":{"rendered":"<p>\uc778\ub3c4\uc900\ube44\uc740\ud589(RBI)\uc740 \uc2e0\uc6a9\uc704\ud5d8 \uc790\ubcf8\uc5d0 \ub300\ud55c \ud45c\uc900\ud654 \uc811\uadfc\ubc95(Standardised Approach)\uc744 \uac1c\uc815\ud574 2027\ub144 4\uc6d4\ubd80\ud130 \uaddc\uc81c\uc0c1 \uc704\ud5d8\uac00\uc911\uce58\uac00 \ucc28\uc785\uc790\uc758 \ub4f1\uae09(grading)\ubfd0 \uc544\ub2c8\ub77c \ud574\ub2f9 \ub4f1\uae09\uc744 \ubd80\uc5ec\ud55c \uc2e0\uc6a9\ud3c9\uac00\uc0ac\uc758 \uacfc\uac70 \ub514\ud3f4\ud2b8(\ubd80\ub3c4) \uc2e4\uc801\uacfc\ub3c4 \uc5f0\ub3d9\ub418\ub3c4\ub85d \ud560 \ubc29\uce68\uc774\ub2e4. \uc774\ubc88 \uc870\uce58\ub294 \ubc14\uc824III \ucd5c\uc885 \uac1c\ud601\uc548\uacfc\uc758 \uc815\ud569\uc131\uc744 \ub192\uc774\uae30 \uc704\ud55c \uac83\uc73c\ub85c, \uc704\ud5d8\uac00\uc911\uce58\ub97c \ubcf4\ub2e4 \uc704\ud5d8\ubbfc\uac10(risk-sensitive)\ud558\uace0 \ube44\uad50\uac00\ub2a5(comparable)\ud558\uac8c \ub9cc\ub4dc\ub294 \ub3d9\uc2dc\uc5d0 \uc678\ubd80 \uc2e0\uc6a9\ub4f1\uae09\uc5d0 \ub300\ud55c \uae30\uacc4\uc801 \uc758\uc874\uc744 \uc904\uc774\uace0 \u2018\ud3c9\uac00 \uc1fc\ud551(rating shopping)\u2019\uc744 \uc81c\ud55c\ud558\ub3c4\ub85d \uc124\uacc4\ub410\ub2e4.<\/p>\n<p>\uac1c\ud3b8\uc548\uc740 \uae30\uc5c5, MSME(\uc911\uc18c\u00b7\uc601\uc138\uae30\uc5c5), \ubd80\ub3d9\uc0b0, \ub9ac\ud14c\uc77c \uc775\uc2a4\ud3ec\uc800 \uc804\ubc18\uc758 \uc2e0\uc6a9\uc704\ud5d8 \uc790\ubcf8\uaddc\uc815\uc744 \ud3ec\ud568\ud558\uba70, \uc624\ud504\ubc38\ub7f0\uc2a4 \ud56d\ubaa9\uacfc \uc678\ubd80 \uc2e0\uc6a9\ud3c9\uac00(external credit assessments)\uc5d0\ub3c4 \uc801\uc6a9 \ubc94\uc704\ub97c \ud655\uc7a5\ud55c\ub2e4. \uc774\ub294 AA, A, BBB \ub4f1\uae09\uc774 \uc801\uaca9 \ud3c9\uac00\uc0ac \uac04 \ub300\uccb4\ub85c \ub3d9\ub4f1\ud558\uac8c \ucde8\uae09\ub418\ub358 \uccb4\uc81c\uc5d0\uc11c \ubc97\uc5b4\ub098\ub294 \ubcc0\ud654\ub85c, \uc740\ud589\ub4e4\ub85c \ud558\uc5ec\uae08 \ub0b4\ubd80 \uc2e0\uc6a9\ud3c9\uac00\uc640 \uc790\ubcf8\uad00\ub9ac \uad00\ud589\uc744 \uac15\ud654\ud558\ub3c4\ub85d \uc555\ubc15\ud560 \uc804\ub9dd\uc774\ub2e4.<\/p>\n<h3>\uc7ac\ud504\ub77c\uc774\uc2f1 \ubc0f \uc2dc\uc7a5 \uc601\ud5a5 \uc804\ub9dd<\/h3>\n<p>RBI\uc758 \uc0c8\ub85c\uc6b4 \uc2e0\uc6a9\uc704\ud5d8 \ud504\ub808\uc784\uc6cc\ud06c\uac00 2027\ub144 4\uc6d4 \uc2dc\ud589\uae4c\uc9c0 \uc774\uc81c 1\ub144\ub3c4 \ucc44 \ub0a8\uc9c0 \uc54a\uc740 \ub9cc\ud07c, \ud5a5\ud6c4 \uba87 \uc8fc \ub0b4 \ub300\uc751\uc774 \ud544\uc694\ud558\ub2e4. \uc774\ubc88 \uac1c\ud601\uc740 \uacfc\uac70 \ub514\ud3f4\ud2b8 \uc774\ub825\uc774 \uc88b\uc9c0 \uc54a\uc740 \ud3c9\uac00\uc0ac\uc758 \ub4f1\uae09\uc5d0 \ubd88\uc774\uc775\uc744 \uc8fc\uba74\uc11c \uc2e0\uc6a9\ub3c4 \uc778\uc2dd\uc5d0 \uba85\ud655\ud55c \ubd84\ud654\ub97c \ub9cc\ub4e4\uc5b4\ub0bc \uac83\uc774\ub2e4. \uc774\uc5d0 \ub530\ub77c \uc778\ub3c4 \uae30\uc5c5\uc2e0\uc6a9\uc740 \uc2dc\ud589 \uc2dc\ud55c\ubcf4\ub2e4 \ud6e8\uc52c \uc774\uc804\uc5d0 \uc0c1\ub2f9\ud55c \ud3ed\uc758 \uc7ac\ud504\ub77c\uc774\uc2f1\uc774 \ub098\ud0c0\ub0a0 \uac83\uc73c\ub85c \uc608\uc0c1\ub41c\ub2e4.<\/p>\n<p>\uacfc\uac70 \ub514\ud3f4\ud2b8\uc728\uc774 \uc0c1\ub300\uc801\uc73c\ub85c \ub192\uc740 \ud3c9\uac00\uc0ac\ub85c\ubd80\ud130 \ud22c\uc790\ub4f1\uae09\uc744 \ubd80\uc5ec\ubc1b\uc740 \uae30\uc5c5\ub4e4\uc758 CDS(\uc2e0\uc6a9\ubd80\ub3c4\uc2a4\uc651)\ub97c \uc989\uac01 \ubd84\uc11d\ud574 \uc20f \ud3ec\uc9c0\uc158\uc744 \uad6c\ucd95\ud558\uae30 \uc2dc\uc791\ud574\uc57c \ud55c\ub2e4. \ubc18\ub300\ub85c \ub354 \uc5c4\uaca9\ud55c \ud3c9\uac00\uc0ac\ub85c\ubd80\ud130 \ub4f1\uae09\uc744 \ubc1b\uc740 \uae30\uc5c5\ub4e4\uc5d0\uc11c\ub294 \uae30\ud68c\ub97c \ubaa8\uc0c9\ud560 \uc218 \uc788\ub294\ub370, \uc774\ub4e4 \ucc44\uad8c\uc740 \uc740\ud589\ub4e4\uc5d0 \ub354 \ub9e4\ub825\uc801\uc73c\ub85c(\uc790\ubcf8 \uce21\uba74\uc5d0\uc11c \uc720\ub9ac\ud558\uac8c) \ud3c9\uac00\ub418\uba70 \uac00\uce58\uac00 \ub192\uc544\uc9c8 \uc218 \uc788\ub2e4. \uc774\ub294 \uc11c\ub85c \ub2e4\ub978 \ud3c9\uac00\uc0ac\u00b7\ub4f1\uae09 \uad6c\uc870\ub97c \uac00\uc9c4 \ud68c\uc0ac\ucc44\uc640 \uadf8 \ud30c\uc0dd\uc0c1\ud488 \uac04 \uba85\ud655\ud55c \uc0c1\ub300\uac00\uce58(relative value) \ud2b8\ub808\uc774\ub4dc \uae30\ud68c\ub97c \uc81c\uacf5\ud55c\ub2e4.<\/p>\n<p>\uc99d\uad8c\uac70\ub798\uc704\uc6d0\ud68c(SEBI)\uc758 \ucd5c\uadfc \ub370\uc774\ud130\ub294 \uc774\ubbf8 \ud3c9\uac00\uc0ac \uc131\uacfc\uc758 \uaca9\ucc28\ub97c \ubcf4\uc5ec\uc900\ub2e4. \uc608\ucee8\ub300 \uacfc\uac70 \ub2e4\ub144(multi-year) \uc5f0\uad6c\uc5d0\uc11c\ub294 \ud22c\uc790\ub4f1\uae09 \uae30\uc5c5\uc758 \ub514\ud3f4\ud2b8\uc728\uc774 \ud3c9\uac00\uc0ac\uc5d0 \ub530\ub77c \ub2e4\ub978 \uacf3 \ub300\ube44 \uba87 \ubc30\uc5d0 \uc774\ub97c \uc218 \uc788\ub294 \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\ub2e4. \uc6b0\ub9ac\ub294 \uc774 \uacf5\uac1c \ub370\uc774\ud130\ub97c \ud65c\uc6a9\ud574 \uc2dc\uc7a5\uc758 \ucd5c\uc885 \ubc18\uc751\uc744 \uc120\uc81c\uc801\uc73c\ub85c \ubc18\uc601(\ud504\ub7f0\ud2b8\ub7f0)\ud560 \uacc4\ud68d\uc774\ub2e4.<\/p>\n<p>\uc774\ubc88 \uaddc\uc81c \ubcc0\uacbd\uc740 \uc778\ub3c4 \ud68c\uc0ac\ucc44 \uc2dc\uc7a5\uc758 \ubcc0\ub3d9\uc131\uc744 \ud0a4\uc6b8 \uc804\ub9dd\uc774\ub2e4. \uc7a0\uc7ac\uc801 \uc7ac\ud3c9\uac00(\ub9ac\ub808\uc774\ud305) \ub610\ub294 \uc778\uc2dd \ubcc0\ud654\uc5d0 \uac00\uc7a5 \ucde8\uc57d\ud55c \uac83\uc73c\ub85c \ud310\ub2e8\ub418\ub294 \uac1c\ubcc4 \uae30\uc5c5\uc5d0 \ub300\ud574 \uc635\uc158 \ub9e4\uc218\ub97c \uac80\ud1a0\ud560 \ud544\uc694\uac00 \uc788\ub2e4. \uc740\ud589\ub4e4\uc774 \ub300\ucd9c \uad00\ud589\uc744 \uc870\uc815\ud558\ub294 \uacfc\uc815\uc5d0\uc11c \ud574\ub2f9 \uae30\uc5c5\ub4e4\uc758 \uc870\ub2ec\ube44\uc6a9 \ubd88\ud655\uc2e4\uc131\uc774 \ud655\ub300\ub420 \uc218 \uc788\uc73c\uba70, \uc774\ub294 \ubcc0\ub3d9\uc131 \ud2b8\ub808\uc774\ub354\uc5d0\uac8c \uba85\ud655\ud55c \uae30\ud68c\uac00 \ub41c\ub2e4.<\/p>\n<h3>\uc804\ub7b5\uc801 \ub300\uc751 \ubc0f \ubaa8\ub378\ub9c1 \uae30\ud68c<\/h3>\n<p>\uc5ed\uc0ac\uc801\uc73c\ub85c \uc2dc\uc7a5\uc740 \uc704\uae30\uac00 \ubc1c\uc0dd\ud574 \ubb38\uc81c\uac00 \uc218\uba74 \uc704\ub85c \ub4dc\ub7ec\ub098\uae30 \uc804\uae4c\uc9c0(2008\ub144 \uae00\ub85c\ubc8c \uae08\uc735\uc704\uae30 \uc0ac\ub840\ucc98\ub7fc) \ud3c9\uac00\uc0ac \uac04 \ucc28\uc774\ub97c \uac00\uaca9\uc5d0 \ubc18\uc601\ud558\ub294 \ub370 \ub354\ub518 \uacbd\ud5a5\uc744 \ubcf4\uc600\ub2e4. RBI\uc758 \uc0c8 \uaddc\uc815\uc740 \uc774\ub7ec\ud55c \ucc28\ubcc4\ud654\ub97c \uc0ac\uc804\uc5d0 \uac15\uc81c\ud558\uace0 \uc788\uc73c\uba70, \uc6b0\ub9ac\ub294 \uc774\ub97c \uc2dc\uc7a5 \uc804\ubc18\uc758 \uc870\uc815\uc5d0 \uc55e\uc11c \uac70\ub798\ud560 \uc218 \uc788\ub294 \uae30\ud68c\ub85c \ubcf8\ub2e4. \uc989, \uce98\ub9b0\ub354\uc5d0 \uc608\uc815\ub41c \uc608\uce21 \uac00\ub2a5\ud55c \uc7ac\ud504\ub77c\uc774\uc2f1 \uc774\ubca4\ud2b8\ub85c \ucde8\uae09\ud55c\ub2e4.<\/p>\n<p>\ub2f9\uc7a5\uc758 \uacfc\uc81c\ub294 \uc778\ub3c4 \ub0b4 \uc2e0\uc6a9\ud3c9\uac00\uc0ac\ub4e4\uc744 \uc7a5\uae30 \ub514\ud3f4\ud2b8 \ud1b5\uacc4\uc5d0 \uae30\ubc18\ud574 \uc21c\uc704\ud654\ud558\ub294 \uc790\uccb4(proprietary) \ubaa8\ub378\uc744 \uad6c\ucd95\ud558\ub294 \uac83\uc774\ub2e4. \uc774\ub97c \ud1b5\ud574 \uc800\ud3c9\uac00\u00b7\uace0\ud3c9\uac00\ub41c \uae30\uc5c5\uc2e0\uc6a9\uacfc \uad00\ub828 \ud30c\uc0dd\uc0c1\ud488\uc744 \uccb4\uacc4\uc801\uc73c\ub85c \uc2dd\ubcc4\ud560 \uc218 \uc788\ub2e4. \uc6b0\ub9ac\ub294 \uc774 \ubd84\uc11d\uc744 \uae30\ubc18\uc73c\ub85c 2027\ub144 4\uc6d4 \uc2dc\ud55c\uc774 \ub2e4\uac00\uc624\uace0 \uc2dc\uc7a5\uc774 \uc774\ub7ec\ud55c \ud568\uc758\ub97c \uc774\ud574\ud558\uae30 \uc2dc\uc791\ud560 \ub54c \uc218\uc775\uc744 \uc5bb\uc744 \uc218 \uc788\ub294 \ud3ec\uc9c0\uc158\uc744 \uad6c\ucd95\ud560 \uacc4\ud68d\uc774\ub2e4.<\/p>\n\n\n\n<p><b>\uc9c0\uae08 \ubc14\ub85c \uac70\ub798\ub97c \uc2dc\uc791\ud558\uc138\uc694 \u2014 VT Markets \uc2e4\uacc4\uc88c\ub97c \uac1c\uc124\ud558\ub824\uba74 <a href=\"https:\/\/www.vtmarkets.com\/kr-asia\/trade-now\/\">\uc5ec\uae30<\/a>\ub97c \ud074\ub9ad\ud558\uc138\uc694.<\/b>\n\n<\/p>","protected":false},"excerpt":{"rendered":"<p>\u201c\ub4f1\uae09\ub9cc \ubbff\uc5c8\ub2e4\uac04 \ub2f9\ud55c\ub2e4.\u201d RBI, 2027\ub144 4\uc6d4\ubd80\ud130 \uc704\ud5d8\uac00\uc911\uce58\ub97c \ub4f1\uae09+\ud3c9\uac00\uc0ac \ub514\ud3f4\ud2b8 \uc2e4\uc801\uc5d0 \uc5f0\ub3d9\ud574 \ubc14\uc824III \uc815\ud569\uc131 \uac15\ud654. \ud68c\uc0ac\ucc44 \uc7ac\ud504\ub77c\uc774\uc2f1\u00b7\uc0c1\ub300\uac00\uce58 \ud2b8\ub808\uc774\ub4dc \uae30\ud68c \ud655\ub300.<\/p>\n","protected":false},"author":87,"featured_media":50197,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[71],"tags":[],"class_list":["post-50851","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-live-updates"],"acf":{"acf_article_selection_author":null},"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.vtmarkets.com\/kr-asia\/wp-json\/wp\/v2\/posts\/50851","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.vtmarkets.com\/kr-asia\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.vtmarkets.com\/kr-asia\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.vtmarkets.com\/kr-asia\/wp-json\/wp\/v2\/users\/87"}],"replies":[{"embeddable":true,"href":"https:\/\/www.vtmarkets.com\/kr-asia\/wp-json\/wp\/v2\/comments?post=50851"}],"version-history":[{"count":0,"href":"https:\/\/www.vtmarkets.com\/kr-asia\/wp-json\/wp\/v2\/posts\/50851\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.vtmarkets.com\/kr-asia\/wp-json\/wp\/v2\/media\/50197"}],"wp:attachment":[{"href":"https:\/\/www.vtmarkets.com\/kr-asia\/wp-json\/wp\/v2\/media?parent=50851"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.vtmarkets.com\/kr-asia\/wp-json\/wp\/v2\/categories?post=50851"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.vtmarkets.com\/kr-asia\/wp-json\/wp\/v2\/tags?post=50851"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}