/ / 2011 1 2015 11 2011 2 Korea Federation of Banks, KFB Korea Credit Bureau, KCB KFB KFB 19 4 1 202012 6 2016 /06 47
KFB 2001 2002 Korea Information Service(KIS) National Information and Credit Evaluation(NICE) (2010 )Korea Credit Bureau(KCB) Korea Enterprise Data(KED) 2005 NICE KCB ( 1995 (The Use and Protection of Credit Information Act) KFB the central of credit information collection agency KFB KFB )KED 2014 1 KCB USB 2016 1 4 KFB KFB Public Credit Registry, PCR 48 2016 /06
Korea Credit Information Services KCIS KFB PCRKFB KFBKFB PCR KFB KFB alternative data -KFB KFB KFB 4,200 90 2016 /06 49
( ) KFB KFB ( ) ( ) KFB KFB (Household) (SME) KFB KFB 2016 1 4 ( ) PCR capital PCR KFB 50 2016 /06
PCR 4 1. 2. Technology information (technologyintensive) KFB 2014 7 3. KFB PCR 4. Information analysis KFB FinTech FinTech Kakao Debit card 1 P2P KFB KFB P2PKFB KFB KFBKFB 2016 /06 51
KFB Open Data KFB Open Data D+1 1 ISO 27001 KCB (B2B) (B2C ) (/) -KCB KCB (Private Credit Bureau, PCB)KFB Subprime Lending Utilities Telco2,782 4 83 60 alternative data KCB 0.61.5 FTP5 3 (Credit Services)(Anti- Fraud Services) (Value Up Services) (SOHO Services) (Strategy Services) (Consulting Services) KCB (imminence score) 6 (Self-Cure score) (Subprime score) 12 (Bankruptcy score) 18 (Alarm) 52 2016 /06
(Inquiry Frequency Alarm Services) KCB (Loan Needs Score) KCBSOHO 10 3 48 600 SOHO 80 / / SOHO KCB KED(Korea Enterprise Data) KCBSOHO KCB Basel (All Credit) (I-Pin) 3 KCB 30 PC 50 KCB 2016 /06 53
I-PIN KCB KCB KFB Open Data KCBOpen Data thin file KCB data scraping 54 2016 /06
55 2016 /06 KFB KCB KCB KCB I-PIN 4 KFB PCR
(alternative data) data scraping data scraping Microbilt Kabbage KCB alternative data 56 2016 /06
KCBI-PIN 2016 /06 57