{"id":2256,"date":"2020-05-29T01:41:36","date_gmt":"2020-05-28T16:41:36","guid":{"rendered":"https:\/\/bcgblog.kr\/?p=2256"},"modified":"2020-06-05T16:04:21","modified_gmt":"2020-06-05T07:04:21","slug":"get-ready-for-the-future-of-money","status":"publish","type":"post","link":"https:\/\/bcgblog.kr\/get-ready-for-the-future-of-money\/","title":{"rendered":"\ud654\ud3d0\uc758 \ubbf8\ub798\uc5d0 \ub300\ud55c \ub300\ube44"},"content":{"rendered":"<p>\uc778\uc2a4\ud0c0\uadf8\ub7a8 \uc2a4\ud1a0\ub9ac\ub9cc\ud07c \uacf5\uc720\ud558\uae30 \uc26c\uc6b4 \ub514\uc9c0\ud138 \ud654\ud3d0\ub098 \uc2a4\ub9c8\ud2b8\ud3f0\ub9cc\ud07c \uc720\ube44\ud034\ud130\uc2a4\ud55c e-\uacb0\uc81c\ud50c\ub7ab\ud3fc\uc744 \uc0c1\uc0c1\ud574\ubcf4\ub77c. \uc740\ud589 \uacc4\uc88c\ub294 \uc4f8\ubaa8\uac00 \uc5c6\uc5b4\uc9c8\uae4c? \ud1b5\ud654 \uc815\ucc45\uc774 \uc911\uc694\ud560\uae4c? \ub514\uc9c0\ud138 \ucf54\uc778\uacfc \ud1a0\ud070\uc758 \uc218\uac00 \uc99d\uac00\ud568\uc5d0 \ub530\ub77c \uc774\ub7ec\ud55c \ubbf8\ub798\uc5d0 \ub300\ud55c \uc9c8\ubb38\ub4e4\uc740 \ub354 \uc911\uc694\ud574\uc84c\ub2e4. \uc774\ub7ec\ud55c \uc2e4\ud5d8\uc801\uc778 \uac1c\ub150\ub4e4\uc774 \uc0cc\ub4dc\ubc15\uc2a4\uc5d0\uc11c \uc2e4\uc81c \uc0c1\ud669\uc73c\ub85c \uc62e\uaca8\uc9c8 \ub54c, \uadf8 \ud30c\uae09\ud6a8\uacfc\ub294 \uc88b\ub4e0 \ub098\uc058\ub4e0 \uc2ec\ub300\ud560 \uac83\uc774\ub2e4.<\/p>\n<p>\ube14\ub85d\uccb4\uc778\uacfc \ub514\uc9c0\ud138 \ubd84\uc0b0\uc6d0\uc7a5\uc744 \uc774\uc6a9\ud574 \ubc1c\ud589 \ubc0f \uc720\uc9c0\ub418\ub294 \ub514\uc9c0\ud138 \ud654\ud3d0\ub294 \uac1c\uc778\uacfc \uc870\uc9c1\uc774 \uac00\uce58\ub97c \uac70\ub798\ud558\ub294 \ubc29\uc2dd\uc744 \uc644\uc804\ud788 \ub4a4\uc9d1\uc5b4 \uace0\ube44\uc6a9\uc758 \uacb0\uc81c \uc911\uac1c\uc5c5\uccb4\ub97c \uc81c\uac70\ud558\uace0, \uac00\uaca9 \uc548\uc815\uc131\uc744 \uac15\ud654\ud558\uba70, \uac70\ub798 \uc0c1\ub300\ubc29\uc5d0 \ub300\ud55c \ub9ac\uc2a4\ud06c\ub97c \uac10\uc18c\uc2dc\ud0ac \uc218 \uc788\ub2e4. \ub514\uc9c0\ud138 \ub2ec\ub7ec, \uc720\ub85c, \ub610\ub294 \uae30\ud0c0 \ub514\uc9c0\ud138 \ud654\ud3d0\ub294 \uae08\uc735 \uc2dc\uc2a4\ud15c\uc5d0 \ub300\ud55c \uc811\uadfc\uc131\uc744 \ubcf4\ud3b8\ud654\uc2dc\ucf1c \ube48\uace4 \uc9c0\uc5ed\uc774\ub098 \uc624\uc9c0\uc758 \u201c\uae08\uc735\ucde8\uc57d\u201d \uacc4\uce35\uc774 \uc774\uc804\ubcf4\ub2e4 \uc27d\uac8c \uad6c\ub9e4, \ud310\ub9e4, \uc800\ucd95, \ud22c\uc790\ub97c \ud560 \uc218 \uc788\ub3c4\ub85d \ud574\uc900\ub2e4.<\/p>\n<p>\uadf8\ub7ec\ub098, \ubaa8\ub4e0 \ub514\uc9c0\ud138 \ud654\ud3d0\uac00 \ub3d9\ub4f1\ud558\uac8c \ub9cc\ub4e4\uc5b4\uc9c0\ub294 \uac83\uc740 \uc544\ub2c8\ub2e4. \uc5b4\ub5a4 \ub514\uc9c0\ud138 \ucf54\uc778 \ubc0f \ud1a0\ud070\uc740 \uae30\uc874 \uacb0\uc81c \ubaa8\ub378\uc744 \ubbf8\ubbf8\ud55c \uc815\ub3c4\ub85c \uac1c\uc120\ud560 \uac83\uc774\ub098, \ub2e4\ub978 \ub514\uc9c0\ud138 \ud654\ud3d0\ub4e4\uc740 \uae08\uc735 \uc2dc\uc2a4\ud15c\uc758 \ud575\uc2ec\uc801\uc778 \ubd80\ubd84\uc5d0 \ub3c4\uc804\ud560 \uc218\ub3c4 \uc788\ub2e4. \uc5b4\ub5a4 \ucf54\uc778\ub4e4\uc740 \ud3d0\uc1c4 \uc2dc\uc2a4\ud15c \ub0b4\uc758 \ud6a8\uc728\uc131 \uac1c\uc120\uc744 \ubaa9\ud45c\ub85c \ud558\ub294 \ubc18\uba74, \ub2e4\ub978 \ucf54\uc778\ub4e4\uc740 \ub354 \uad11\ubc94\uc704\ud55c \uacbd\uc7c1\uc6b0\uc704 \ud68d\ub4dd\uc744 \ubaa9\ud45c\ub85c \ud558\ub294 \ub4f1, \uc0c1\uc5c5\uc801\uc778 \uc601\ud5a5\ub3c4 \ub2e4\uc591\ud558\uac8c \ub098\ud0c0\ub0a0 \uc218 \uc788\ub2e4. \ub514\uc9c0\ud138 \ud654\ud3d0\uc758 \uc124\uacc4\uc640 \uadf8\ub85c \uc778\ud574 \uc0ac\ud68c\uc5d0 \ucd08\ub798\ub420 \uc218 \uc788\ub294 \ud30c\uae09\ud6a8\uacfc\ub294 \ub514\uc9c0\ud138 \ud654\ud3d0\uc758 \uc7a0\uc7ac\uc801 \uac00\uce58\uc640, \uc774\uc6a9\uc790 \ubc0f \ub514\uc9c0\ud138 \ud654\ud3d0 \uc774\uc6a9\uc744 \uad00\ud560\ud558\ub294 \uc774\ub4e4\uc5d0 \ub300\ud55c \ub9ac\uc2a4\ud06c\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce5c\ub2e4. \uc608\ub97c \ub4e4\uba74, \ub514\uc9c0\ud138 \ud654\ud3d0\uc5d0\ub294 \ud55c\ub3c4\uac00 \uc788\ub294 \uacbd\uc6b0\uac00 \ub9ce\uae30 \ub54c\ubb38\uc5d0 \ucd94\uac00 \ucf54\uc778\uc744 \ubc1c\ud589\ud560 \ub2a5\ub825\uc774 \uc5c6\ub2e4\uba74 \uc720\ub3d9\uc131 \ub9ac\uc2a4\ud06c\uac00 \uc99d\uac00\ud560 \uc218\ub3c4 \uc788\ub2e4.<\/p>\n<p>\uc9c8\ubb38\ub4e4\uc740 \uc5ec\uc804\ud788 \ub0a8\uc544\uc788\uc9c0\ub9cc, \uc120\uc810\uc790\uc758 \uc6b0\uc704\ub294 \uc0c1\ub2f9\ud560 \uac00\ub2a5\uc131\uc774 \ud06c\ub2e4. \uc8fc\uc694 \uad6d\uac00, \uc911\uc559 \uc740\ud589, \ub610\ub294 \ucee8\uc18c\uc2dc\uc5c4\uc774 \ud2b9\uc815 \ud1b5\ud654\uc758 \ucd9c\ubc94\uacfc \ucc44\ud0dd\uc744 \uac00\uc18d\ud654\ud55c\ub2e4\uba74, \ub2e4\ub978 \uad6d\uac00\ub4e4\uacfc \uc774\ud574\ub2f9\uc0ac\uc790\ub4e4\uc740 \uc790\uccb4\uc801\uc778 \uc804\ub7b5\uc801 \ub300\uc751\uc73c\ub85c \uc774\uc5d0 \ub530\ub77c\uc57c \ud55c\ub2e4\ub294 \uc555\ubc15\uc744 \ubc1b\uac8c \ub420 \uac83\uc774\ub2e4. \ubaa8\ub4e0 \uc870\uc9c1\uc5d0 \uc801\uc6a9\ub418\ub294 \ub2e8\uc77c\ud55c \ud574\ub2f5\uc774 \uc5c6\uae34 \ud558\ub098, \ud55c \uac00\uc9c0\ub9cc\uc740 \ubd84\uba85\ud558\ub2e4. \uacf5\uacf5 \ubc0f \ubbfc\uac04 \ubd80\ubb38 \ub9ac\ub354\ub4e4\uc774 \ud654\ud3d0\uc758 \ubbf8\ub798\uc5d0 \ub300\ud574 \uacc4\ud68d\uc744 \uc138\uc6b0\uae30 \uc2dc\uc791\ud560 \ud544\uc694\uac00 \uc788\ub2e4\ub294 \uac83\uc774\ub2e4.<\/p>\n<h3><strong>\ub514\uc9c0\ud138 \uace8\ub4dc \ub7ec\uc2dc\uc758 \ubd80\uc0c1<\/strong><\/h3>\n<p><em>\u201c\uac01\uad6d \uc815\ubd80\uc640 \uc911\uc559\uc740\ud589\ub4e4\ub3c4 \uc774 \ub300\uc5f4\uc5d0 \ud569\ub958\ud588\uc73c\uba70, \uc774\ub4e4 \uc911 \ub2e4\uc218\ub294 \uc790\uccb4 \ub514\uc9c0\ud138 \ucf54\uc778 \ubc0f \ud1a0\ud070\uc744 \ub3c4\uc785\ud560 \uacc4\ud68d\uc774\ub2e4.\u201c<\/em><\/p>\n<p>\uc218\ub144\uac04, \ube44\ud2b8\ucf54\uc778 \ub4f1\uc758 \ub514\uc9c0\ud138 \ud654\ud3d0\ub294 \ub2e4\ud06c\uc6f9\uc758 \uadf8\ub9bc\uc790 \uc18d\uc5d0\uc11c \uc6b4\uc601\ud558\ub294 \ube14\ub799\ub9c8\ucf13 \ud2b8\ub808\uc774\ub354\ub4e4\ub9cc\uc758 \uc601\uc5ed\uc73c\ub85c \uc5ec\uaca8\uc84c\ub2e4. \uadf8\ub7ec\ub098, \ub354 \uc774\uc0c1\uc740 \uadf8\ub807\uc9c0 \uc54a\ub2e4. \ud398\uc774\uc2a4\ubd81\uc774 \uacc4\ud68d\ud558\uace0 \uc788\ub294 \ub9ac\ube0c\ub77c(Libra)\uc758 \ucd9c\ubc94\uc740 \ub2e4\uc591\ud55c \uae30\uc5c5, \uc740\ud589, \ucee8\uc18c\uc2dc\uc5c4\ub4e4\uc774 \ucd9c\uc2dc\ud558\ub294 \uc77c\ub828\uc758 \ub514\uc9c0\ud138 \ud654\ud3d0 \uc774\ub2c8\uc154\ud2f0\ube0c\ub4e4 \uc911 \uac00\uc7a5 \ucd5c\uadfc\uc758 \uac83\uc77c \ubfd0\uc774\ub2e4.(\ubcf4\uae30 1 \ucc38\uc870.) \uac01\uad6d \uc815\ubd80\uc640 \uc911\uc559\uc740\ud589\ub4e4\ub3c4 \ub514\uc9c0\ud138 \ud654\ud3d0\ub97c \ud68c\uc758\uc801\uc73c\ub85c \ubcf4\uace0 \uc788\uc9c0 \uc54a\uc744 \ubfd0 \uc544\ub2c8\ub77c \uc774\ub4e4 \uc5ed\uc2dc \uc774 \ub300\uc5f4\uc5d0 \ud569\ub958\ud588\uc73c\uba70, \ub2e4\uc218\ub294 \uc790\uccb4 \ub514\uc9c0\ud138 \ucf54\uc778 \ubc0f \ud1a0\ud070\uc744 \ub3c4\uc785\ud560 \uacc4\ud68d\uc774\ub2e4.<\/p>\n<p><a href=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/get-ready-for-the-future-of-money-1.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2259\" src=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/get-ready-for-the-future-of-money-1.png\" alt=\"\" width=\"1179\" height=\"779\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/get-ready-for-the-future-of-money-1.png 1179w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/get-ready-for-the-future-of-money-1-300x198.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/get-ready-for-the-future-of-money-1-1024x677.png 1024w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/get-ready-for-the-future-of-money-1-768x507.png 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/get-ready-for-the-future-of-money-1-696x460.png 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/get-ready-for-the-future-of-money-1-1068x706.png 1068w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/get-ready-for-the-future-of-money-1-636x420.png 636w\" sizes=\"auto, (max-width: 1179px) 100vw, 1179px\" \/><\/a><\/p>\n<p>\uae30\ubc18 \uae30\uc220\ub4e4\uc774 \uc131\uc219\ud574\uc9c0\uace0 \ub514\uc9c0\ud138 \ud654\ud3d0\uc758 \uacb0\uc81c \ubb38\uc81c\uc810\ub4e4\uc744 \uc644\ud654\uc2dc\ud0ac \uc218 \uc788\ub294 \uac00\ub2a5\uc131\uc774 \ubd84\uba85\ud574\uc9d0\uc5d0 \ub530\ub77c \ub514\uc9c0\ud138 \ud654\ud3d0\uc5d0 \ub300\ud55c \uad00\uc2ec\uc774 \uae09\uc99d\ud558\uace0 \uc788\ub2e4. \ud604\uc7ac\uc758 \uacb0\uc81c \ubaa8\ub378\ub4e4\uc740 \ube44\ud6a8\uc728\uc801\uc77c \uc218 \uc788\ub2e4. \uc608\ub97c \ub4e4\uba74, \ud604\uc7ac \uacb0\uc81c\ucc98\ub9ac\ub294 \ubcf5\uc7a1\ud55c \uad6d\ub0b4 \ubc0f \uad6d\uc81c \ucd1d\uc561\uacb0\uc81c(gross settlement) \uba54\ucee4\ub2c8\uc998\uc73c\ub85c \uc778\ud574 \uba70\uce60\uc529 \uc18c\uc694\ub420 \uc218 \uc788\uc73c\uba70 \ubc30\ud0c0\uc801\uc77c \uc218 \uc788\ub2e4. \uc911\uc18c\uae30\uc5c5\ub4e4\uc740 \ub300\uae30\uc5c5\uc5d0 \ube44\ud574 \ud6e8\uc52c \ub354 \ub192\uc740 \uc218\uc218\ub8cc\ub97c \ub0b4\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc740\ub370, \uc774\ub294 \ud504\ub77c\uc774\uc2f1\uc774 \uc77c\ubc18\uc801\uc73c\ub85c \ubcfc\ub968\uc5d0 \uae30\ubc18\ud558\uae30 \ub54c\ubb38\uc774\ub2e4. \uc2e0\ud765\uc2dc\uc7a5\uc758 \uac1c\uc778\uacfc \uae30\uad00\ub4e4\ub3c4 \uad6d\uc81c \uacb0\uc81c \ub124\ud2b8\uc6cc\ud06c\uc5d0 \uc811\uadfc\ud558\ub294 \uac83\uc774 \uc0c1\ub300\uc801\uc73c\ub85c \uc5b4\ub824\uc6b8 \uc218 \uc788\uc73c\uba70, \uc774\ub294 \uc740\ud589\uacc4\uc88c \ubcf4\uc720 \ub610\ub294 \uc2e0\uc6a9\uc774\ub825 \uc11c\ub958\uad6c\ube44 \ub4f1\uc758 \uc804\ud1b5\uc801\uc778 \uc694\uac74\uc744 \ucda9\uc871\ud558\uae30 \uc5b4\ub835\uae30 \ub54c\ubb38\uc774\ub2e4. \ub9c8\ucc2c\uac00\uc9c0\ub85c, \uc774\uc8fc \ub178\ub3d9\uc790\ub4e4\uc740 \ubcf8\uad6d\uc758 \uac00\uc871\ub4e4\uc5d0\uac8c \uc1a1\uae08\ud560 \ub54c \ub192\uc740 \ube44\uc6a9\uc744 \uc9c0\ucd9c\ud574\uc57c \ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\ub2e4.<\/p>\n<p>\ub514\uc9c0\ud138 \ud654\ud3d0\ub294 \uc774\ub7ec\ud55c \uc774\uc288\ub4e4 \uc911 \uc77c\ubd80\ub97c \ud574\uacb0\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\ub2e4. \ube14\ub85d\uccb4\uc778 \ub4f1\uc758 \ubd84\uc0b0\uc6d0\uc7a5 \uae30\uc220\uc740 \ub370\uc774\ud130\uc758 \ubcc0\uc870\ub97c \ubc29\uc9c0\ud558\uace0 \uacb0\uc81c \uc778\uc99d\uc744 \uac00\ub2a5\ucf00 \ud55c\ub2e4. \uac70\ub798\ub294 \uac70\uc758 \uc2e4\uc2dc\uac04\uc73c\ub85c \uc815\uc0b0\ub418\uace0 \uc774\ud574\ub2f9\uc0ac\uc790\ub4e4\uc740 \uc804\uccb4 \uac70\ub798 \ud2b8\ub808\uc77c\uc744 \ubcfc \uc218 \uc788\ub2e4. \uc774\ub7ec\ud55c \uc5ed\ub7c9\uc740 \ube14\ub85d\uccb4\uc778 \uae30\ubc18 \ud654\ud3d0\ub4e4\uc774 \ub3c5\ub9bd\uc801\uc778 \uc81c 3\uc790 \uc778\uc99d\uc744 \uc81c\uacf5\ud558\ub294 \ube0c\ub85c\ucee4, \uacb0\uc81c\ub300\ud589\uc5c5\uccb4, \uacf5\uc99d\uc5c5\uccb4 \ub4f1\uc758 \uc911\uac1c\uae30\uad00\uc744 \ub300\uccb4\ud560 \uc7a0\uc7ac\ub825\uc774 \uc788\ub2e4\ub294 \uac83\uc744 \uc758\ubbf8\ud55c\ub2e4. \ube14\ub85d\uccb4\uc778\uc73c\ub85c \uc778\ud574 \uc2dc\uc7a5\ucc28\uc775\uac70\ub798 \uc5c5\uccb4(market arbitrageurs), \uac00\uaca9\uacf5\uc2dc\uae30\uad00(price-reporting agencies), \ubca4\uce58\ub9c8\ud06c \uc81c\uacf5\uc5c5\uccb4, \uc815\ubcf4 \ub300\uce6d\uc131\uc744 \ud65c\uc6a9\ud558\uc5ec \uac00\uce58\ub97c \ucc3d\ucd9c\ud558\ub294 \ube44\uc988\ub2c8\uc2a4\ub97c \ubcf4\uc720\ud55c \uc5c5\uccb4\ub4e4\uc5d0 \ub300\ud55c \ud544\uc694\uc131\uc774 \ucd5c\uc18c\ud654\ub420 \uc218\ub3c4 \uc788\ub2e4.<\/p>\n<p>\ubb3c\ub9ac\uc801\uc778 \ud654\ud3d0\uc758 \uc774\ub3d9, \uc800\uc7a5, \uc9c0\uae09 \ube44\uc6a9\uc774 \ud06c\uae30 \ub54c\ubb38\uc5d0 \uc740\ud589\uacfc \uae30\ud0c0 \uae08\uc735\uae30\uad00\ub4e4\uc740 \ub514\uc9c0\ud138 \ud654\ud3d0\uc758 \ud6a8\uc728\uc131\uc5d0 \ub9e4\ub825\uc744 \ub290\uaef4\uc654\ub2e4. \uae30\uc5c5\uacfc \uc815\ubd80\ub3c4 \uacbd\uc81c\uc801 \ud3ec\uc6a9\uc744 \uc99d\ub300\ud558\uace0 \uae08\uc735 \ubc94\uc8c4\ub97c \uc904\uc774\ub294 \ub514\uc9c0\ud138 \ud654\ud3d0\uc758 \uc7a0\uc7ac\ub825\uc5d0 \uae30\ub300\ud558\uace0 \uc788\ub2e4. 2018\ub144, \uc138\uacc4\uc740\ud589\uc740 \uc544\uc9c1\ub3c4 17\uc5b5 \uba85\uc758 \uc131\uc778\uc774 \uae08\uc735\ucde8\uc57d \uacc4\uce35\uc73c\ub85c \ub0a8\uc544 \uc788\ub2e4\uace0 \ucd94\uc0b0\ud588\uc73c\uba70, \uc774 \ubb38\uc81c\ub294 \uc138\uacc4\uc801\uc73c\ub85c \ubb3c\ub9ac\uc801 \uae08\uc735 \uc778\ud504\ub77c\uc758 \ub3c4\ub2ec\uc5d0 \ud55c\uacc4\uac00 \uc788\uae30 \ub54c\ubb38\uc5d0 \ub354\uc6b1 \uc545\ud654\ub418\uace0 \uc788\ub2e4. \ub514\uc9c0\ud138 \uc6d0\uc7a5 \uae30\uc220\uc740 \uc0ac\ub78c\ub4e4\uc744 \uae08\uc735 \uc2dc\uc2a4\ud15c\uc5d0 \ud3b8\uc785\uc2dc\ud0a4\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\ub2e4. \uc774\ub7ec\ud55c \uc5ed\ub7c9\uc744 \ud3ec\ud568\uc2dc\ud0a4\ub824\uba74 \uaddc\uc81c \uae30\uc900\uc744 \uc5c5\ub370\uc774\ud2b8\ud560 \ud544\uc694\uac00 \uc788\uc744 \uac83\uc774\ub098, \ube14\ub85d\uccb4\uc778\uc744 \ud65c\uc6a9\ud558\uba74 \uc740\ud589\uc758 \uc815\uaddc\uc801\uc778 \ucc98\ub9ac \uc5c6\uc774\ub3c4 \uace0\uac1d \uc720\uce58 \ubc0f \uace0\uac1d\uc54c\uae30 \uc81c\ub3c4 \uad00\ub828 \ubb38\uc11c\ud654\ub97c P2P \uae30\ubc18\uc73c\ub85c \uc644\uc131\ud560 \uc218 \uc788\ub2e4. \uac01\uad6d\uc740 \ubd84\uc0b0\uc6d0\uc7a5 \uae30\uc220\uc744 \uae30\ubc18\uc73c\ub85c \ud558\uc5ec \ub514\uc9c0\ud138 \ud654\ud3d0\ub97c \uc0ac\uc6a9\ud568\uc73c\ub85c\uc368 \uc138\uae08 \uc9d5\uc218 \ubc0f \ucd94\uc801\uc131\uc744 \uac1c\uc120\ud560 \uc218 \uc788\ub2e4. \uc774\ub294 \uc2e0\ud765\uc2dc\uc7a5 \uad6d\uac00\ub4e4\uc774 \uc911\uc559\uc740\ud589 \ub514\uc9c0\ud138 \ud654\ud3d0(central bank digital currency, CBDC)\uc758 \uac00\uc7a5 \uc801\uadf9\uc801\uc778 \uc9c0\uc9c0\uc790\uc600\ub358 \uc774\uc720 \uc911 \ud558\ub098\uc774\ub2e4. (\ubcf4\uae30 2 \ucc38\uc870.)<\/p>\n<p><a href=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/get-ready-for-the-future-of-money-2.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2260\" src=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/get-ready-for-the-future-of-money-2.png\" alt=\"\" width=\"1458\" height=\"728\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/get-ready-for-the-future-of-money-2.png 1458w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/get-ready-for-the-future-of-money-2-300x150.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/get-ready-for-the-future-of-money-2-1024x511.png 1024w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/get-ready-for-the-future-of-money-2-768x383.png 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/get-ready-for-the-future-of-money-2-696x348.png 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/get-ready-for-the-future-of-money-2-1068x533.png 1068w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/get-ready-for-the-future-of-money-2-841x420.png 841w\" sizes=\"auto, (max-width: 1458px) 100vw, 1458px\" \/><\/a><\/p>\n<h3><strong>\ub514\uc9c0\ud138 \ud654\ud3d0 \ubaa8\ub378\uc758 \uc99d\uac00<\/strong><\/h3>\n<p>\ubb3c\ub9ac\uc801\uc778 \ud654\ud3d0\ub294 \uac00\uce58\uc758 \uc800\uc7a5 \uc218\ub2e8, \uad50\ud658 \ub9e4\uccb4, \uc548\uc815\uc801\uc778 \ud68c\uacc4 \ub2e8\uc704\ub85c\uc11c\uc758 \uc5ed\ud560\uc744 \ud55c\ub2e4. \uc5b4\ub5bb\uac8c \uc124\uacc4\ub418\uc5b4 \uc788\ub294\uac00\uc5d0 \ub530\ub77c \ub514\uc9c0\ud138 \ud654\ud3d0\ub294 \uc774\ub7ec\ud55c \ubaa9\uc801\uc758 \uc77c\ubd80 \ub610\ub294 \uc804\uccb4\uc5d0 \ubd80\ud569\ud55c\ub2e4. \uc608\ub97c \ub4e4\uba74, \uc5b4\ub5a4 \ub514\uc9c0\ud138 \ucf54\uc778\uacfc \ud1a0\ud070\uc740 \uc8fc\ub85c \uc775\uba85\uc758 \uac00\uce58 \uc804\ub2ec \uc218\ub2e8\uc73c\ub85c\uc11c \uc774\uc6a9\ub41c\ub2e4. \ub2e4\ub978 \ub514\uc9c0\ud138 \ud654\ud3d0\ub4e4\uc740 \uac70\ub798 \uacfc\uc815\uc744 \uac00\uc18d\ud654\ud558\ub294 \uac83\uc774 \ubaa9\uc801\uc774\ub2e4. \ub610 \ub2e4\ub978 \ub514\uc9c0\ud138 \ud654\ud3d0\ub4e4\uc740 \uae30\uc874 \uad6d\uac00 \ud1b5\ud654\uc758 \uac00\uce58\uc5d0 \uc5f0\ub3d9\ub41c \uac00\uc0c1 \ud654\ud3d0\ub85c\uc11c \uad6c\uc0c1\ub41c\ub2e4. \uc624\ub298\ub0a0, 50\uc5ec \uac1c\uc758 \ub514\uc9c0\ud138 \ud654\ud3d0\ub4e4\uc774 \uac1c\ubc1c \uc911\uc778 \uc0c1\ud669\uc5d0\uc11c, \ub2e4\uc591\ud55c \ubaa8\ub378\ub4e4\uc740 \ud63c\ub780\uc2a4\ub7ec\uc6b4 \uad6c\ub3c4\ub97c \ub9cc\ub4e4 \uc218 \uc788\ub2e4. \uc774\ub97c \ub2e8\uc21c\ud654\ud558\uae30 \uc704\ud574, \uc6b0\ub9ac\ub294 \ub9ce\uc740 \uc2e4\ud5d8\uc801\uc778 \ubaa8\ub378\ub4e4\uc774 \uc9c4\ud654\ud558\uace0 \uc788\ub294 \ud070 \uce74\ud14c\uace0\ub9ac\ub4e4\uc744 \uac15\uc870\ud588\ub2e4.<\/p>\n<p><strong>\uc554\ud638\ud654\ud3d0.<\/strong> \uc77c\ubd80\ub294 \uc7a5\uae30\uc801\uc778 \uac00\uce58\uc758 \uc800\uc7a5 \uc218\ub2e8\uc73c\ub85c\ub3c4 \uc774\uc6a9\ub418\ub098, \uc774\ub7ec\ud55c \ube14\ub85d\uccb4\uc778 \uae30\ubc18 \ucf54\uc778\ub4e4\uc740 \uac70\ub798\ub97c \uac00\ub2a5\ucf00 \ud55c\ub2e4. \uac00\uc7a5 \uc798 \uc54c\ub824\uc9c4 \uc0ac\ub840\ub294 \ube44\ud2b8\ucf54\uc778\uc774\uc9c0\ub9cc, \uc5ec\uae30\uc5d0\ub294 \ub77c\uc774\ud2b8\ucf54\uc778, \ubaa8\ub124\ub85c, \ub300\uc2dc, \uc9c0\uce90\uc2dc\ub3c4 \ud3ec\ud568\ub41c\ub2e4. \uc774\ub4e4\uc740 \ubd84\uc0b0\ud654 \uae30\ubc18\uc73c\ub85c \uc6b4\uc601\ub418\uace0 \ubcf4\uc548 \ubc0f \uc704\uc870\ubc29\uc9c0 \uc870\uce58\ub85c \uc554\ud638\ud654 \uae30\uc220\uc744 \uc774\uc6a9\ud558\uae30 \ub54c\ubb38\uc5d0 \uc77c\ubc18\uc801\uc73c\ub85c P2P\uac70\ub798\uc5d0\uc11c \uc5b4\ub290 \uc815\ub3c4\uc758 \uc775\uba85\uc131\uc744 \uc81c\uacf5\ud55c\ub2e4. \ubc95\uc9d1\ud589 \ubc0f \uacb0\uc81c \ucc98\ub9ac\uc5c5\uccb4\ub294 \ube44\ud2b8\ucf54\uc778 \uacc4\uc88c\uc5d0 \ub300\ud574 \uc5b4\ub5a0\ud55c \uad00\ud560\uad8c\ub3c4 \uc5c6\uc73c\ub098, \uc554\ud638\ud654\ud3d0\uc758 \uc775\uba85\uc131\uc740 \uae08\uc735 \ubc94\uc8c4\uc758 \ub9ac\uc2a4\ud06c\ub3c4 \uc99d\uac00\uc2dc\ud0a8\ub2e4.<\/p>\n<p><strong>\uc2a4\ud14c\uc774\ube14\ucf54\uc778.<\/strong> \uc774\ub7ec\ud55c \ub514\uc9c0\ud138 \ud1a0\ud070\uc740 \ubbf8\uad6d \ub2ec\ub7ec\ud654\ub098 \uae30\ud0c0 \uad6d\uac00\uc758 \ud1b5\ud654 \ub4f1 \ud2b9\uc815 \uc790\uc0b0\uc5d0 \uc5f0\ub3d9\ub41c\ub2e4. \ubc95\uc815\ud654\ud3d0 \uc5f0\ub3d9 \uc554\ud638\ud654\ud3d0\ub4e4\uc740 \uac00\uc7a5 \uc77c\ubc18\uc801\uc73c\ub85c \uc774\uc6a9\ub418\ub294 \uc2a4\ud14c\uc774\ube14\ucf54\uc778\uc774\uc9c0\ub9cc \uc790\uc0b0 \uc5f0\ub3d9 \ucf54\uc778\ub4e4\uc740 \uae08\uacfc \uac19\uc740 \uc0c1\ud488(commodities)\uc5d0\ub3c4 \uc5f0\ub3d9\ub420 \uc218 \uc788\ub2e4. \ub300\ubd80\ubd84\uc740 \uc2dc\uc7a5 \uc9c4\uc785, \ud5e4\uc9d5, \uc800\uc7a5, \ub514\uc9c0\ud138 \uc138\uacc4\uc640 \ubb3c\ub9ac\uc801 \uc138\uacc4 \uac04\uc758 \uac70\ub798\ub97c \uc704\ud55c \uae30\ubcf8\uc801\uc778 \uad50\ud658\uc218\ub2e8\uc73c\ub85c\uc11c \uc774\uc6a9\ub41c\ub2e4. USD \ucf54\uc778, \uc81c\ubbf8\ub098\uc774 \ub2ec\ub7ec, \ud2b8\ub7ec\uc2a4\ud2b8\ud1a0\ud070 \ub4f1\uc774 \uc788\ub2e4.<\/p>\n<p><strong>\ucee8\uc18c\uc2dc\uc5c4 \uc2a4\ud14c\uc774\ube14\ucf54\uc778.<\/strong> \uc790\uc0b0\uc5f0\ub3d9 \uc2a4\ud14c\uc774\ube14\ucf54\uc778\uacfc \ube44\uc2b7\ud558\uac8c, \ucee8\uc18c\uc2dc\uc5c4 \uc2a4\ud14c\uc774\ube14\ucf54\uc778\uc740 \uac1c\ubcc4 \uc870\uc9c1\ubcf4\ub2e4\ub294 \uadf8\ub8f9\uc5d0 \uc758\ud574 \ubc1c\ud589\ub41c\ub2e4. \ub9ac\ube0c\ub77c\ub294 \uc2a4\ud14c\uc774\ube14\ucf54\uc778\uc758 \uc88b\uc740 \uc608\uc774\ub2e4. \ub2e4\ub978 \uc2a4\ud14c\uc774\ube14\ucf54\uc778\ub4e4\uacfc \ub9c8\ucc2c\uac00\uc9c0\ub85c \ucee8\uc18c\uc2dc\uc5c4 \uc2a4\ud14c\uc774\ube14\ucf54\uc778\uc740 \uc989\uac01\uc801\uc778 \uad6d\uc81c \uacb0\uc81c\ub97c \uac00\ub2a5\ucf00 \ud558\uba70, \uc804\ud1b5\uc801\uc778 \uae08\uc735 \uc2dc\uc2a4\ud15c \ubc16\uc5d0 \uc788\ub294 \uac1c\uc778\ub4e4\uc5d0\uac8c \ud2b9\ud788 \ub354 \ub9e4\ub825\uc801\uc77c \uc218 \uc788\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ub9ac\ube0c\ub77c\uc758 \uacbd\uc6b0, \ud398\uc774\uc2a4\ubd81\uacfc \ud30c\ud2b8\ub108\ub4e4\uc740 \uc6d0\ub798 \ubbf8\ub2ec\ub7ec\ud654, \uc720\ub85c\ud654, \uc77c\ubcf8 \uc5d4\ud654 \ub4f1\uc758 \uad6d\uc81c \ud1b5\ud654 \ubc14\uc2a4\ucf13\uc5d0 \uc5f0\ub3d9\ub418\ub294 \ube14\ub85d\uccb4\uc778 \uae30\ubc18 \ud654\ud3d0\ub97c \ub9cc\ub4dc\ub294 \uac83\uc744 \ubaa9\ud45c\ub85c \ud558\uc5ec \uc0ac\uc2e4\uc0c1 \uae30\uc874\uc758 \uad6d\uac00 \ubc0f \uad6d\uc81c \uaddc\uc81c \ub2f9\uad6d\uc73c\ub85c\ubd80\ud130 \ub3c5\ub9bd\uc801\uc778 \ucd08\uad6d\uac00\uc801 \ud654\ud3d0\uc758 \ucc3d\ucd9c\uc744 \ucd94\uc9c4\ud588\ub2e4. \uadf8\ub7ec\ub098, \uc18c\uc218\uc5d0 \uc9d1\uc911\ub41c \ud798\uc740 \uc6b0\ub824\ub97c \uc57c\uae30\ud588\ub2e4. \ub9ac\ube0c\ub77c\ub294 \ud1b5\ud654\uc8fc\uad8c\uc744 \uc704\ud611\ud560 \uc218 \uc788\ub2e4\uace0 \uc6b0\ub824\ud55c \uae08\uc735 \uaddc\uc81c\ub2f9\uad6d\uc758 \uac15\ub825\ud55c \ubc18\ubc1c\uc5d0 \ucc98\ud558\uac8c \ub418\uc5c8\ub2e4.<\/p>\n<p><strong>\uae30\uc5c5 \ud654\ud3d0.<\/strong> B2B \uc790\uae08\uc774\uccb4\uc5d0 \uc8fc\ub85c \uc0ac\uc6a9\ub418\ub294 \uae30\uc5c5 \ud654\ud3d0\ub294 \ub124\ud2b8\uc6cc\ud06c\uc5d0 \ub300\ud55c \ucee8\ud2b8\ub864\uacfc \uc81c\ud55c\uc744 \uac00\ud558\ub294 \ub2a5\ub825\uc744 \uc720\uc9c0\ud558\ub294 \ub3d9\uc2dc\uc5d0 \uacf5\uacf5 \ube14\ub85d\uccb4\uc778\uc774 \uc81c\uacf5\ud558\ub294 \uac70\ub798 \uc2a4\ud53c\ub4dc\uc640 \ud6a8\uc728\uc131\uc744 \ud65c\uc6a9\ud55c\ub2e4. \uc0ac\uc804\uc2b9\uc778\ub41c \uc811\uadfc\uc131\uc740 \ucc38\uc5ec\uc790\ub4e4\uc5d0\uac8c \ub124\ud2b8\uc6cc\ud06c\uc758 \uc815\ub2f9\uc131\uc5d0 \ub300\ud55c \ud655\uc2e0\uc744 \uc904 \uc218 \uc788\ub2e4. \uc0ac\uc801\uc778 \uae30\uc5c5 \ud654\ud3d0\uc758 \uc608\uc5d0\ub294 \uc2dc\uadf8\ub137\uacfc \uc9c0\ud53c\uc5e0 \ucf54\uc778 \ub4f1\uc774 \uc788\ub2e4. \uc6d4\ub9c8\ud2b8, \uc544\ub9c8\uc874, \ub77c\ucfe0\ud150 \ub4f1\uc758 \uc77c\ubd80 \uc18c\ub9e4\uae30\uc5c5\ub4e4\ub3c4 \uc790\uccb4 \ub124\ud2b8\uc6cc\ud06c \ub0b4\uc758 \uacb0\uc81c \uc6d0\ud65c\ud654\ub97c \uc704\ud55c \uae30\uc5c5 \ud654\ud3d0\uc758 \uac1c\ubc1c\uc744 \ubc1c\ud45c\ud588\ub2e4. \uc18c\ub9e4 \uc740\ud589\ub4e4\ub3c4 \uccb4\ud06c\uce74\ub4dc\ub098 \uc2e0\uc6a9\uce74\ub4dc\uc5d0\uc11c \ubc95\uc815\ud654\ud3d0\ub97c \ub300\uccb4\ud558\ub294 \uae30\uc5c5 \ucf54\uc778\uc744 \ubc1c\ud589\ud560 \uc218 \uc788\ub2e4. \uadf8\ub7ec\ub098, \uae30\uc5c5\ud654\ud3d0\uc758 \ud655\uc0b0\uc740 \ud63c\ub780\uc744 \ucd08\ub798\ud558\uc5ec \uc774\uc6a9\uc790\ub4e4\uc774 \ub2e4\ub978 \ub300\uc548\ub4e4\uc758 \uc0c1\ub300\uc801\uc778 \uac00\uce58\ub97c \uc774\ud574\ud558\uae30 \uc5b4\ub835\uac8c \ub9cc\ub4e4 \uac00\ub2a5\uc131\uc774 \uc788\ub2e4.<\/p>\n<p><strong>\uc911\uc559\uc740\ud589 \ub514\uc9c0\ud138 \ud654\ud3d0(CBDC).<\/strong> \uc911\uc559\uc740\ud589\uc774 \ubc1c\ud589\ud558\ub294 CBDC\uc758 \ubaa9\uc801\uc740 \ubc95\uc815 \ud654\ud3d0\uc758 \uc5ed\ud560\uc744 \ud558\ub294 \uac83\uc774\ub2e4. \uae30\uc874 \uc740\ud589\uad8c\uc5d0 \uc5f0\ub3d9\ub418\uc5b4 \uc788\uae30 \ub54c\ubb38\uc5d0 \uc0ac\uc801 \uc740\ud589\uc608\uae08\uc5d0 \ub300\ud55c \ub9ac\uc2a4\ud06c \uc5c6\ub294 \ub300\uc548\uc744 \uc81c\uacf5\ud55c\ub2e4. \uc57d 10\ub144 \uc804\uc5d0 \ub3c4\uc785\ub41c 1\uc138\ub300 CBDC\ub294 \uc0c1\ud638\uc6b4\uc6a9\uc131 \ubc0f \ud504\ub85c\uadf8\ub7a8 \uac00\ub2a5\uc131(programmability)\uc774 \uc81c\ud55c\uc801\uc774\uc5c8\ub2e4. CBDC 2.0\uc73c\ub85c \uc54c\ub824\uc9c4 \ucc28\uc138\ub300 CBDC\ub294 \uad6d\uac00\uc801 \ub610\ub294 \ucd08\uad6d\uac00\uc801 \ucc28\uc6d0\uc5d0\uc11c(\uc720\ub7fd \uc911\uc559\uc740\ud589\uc758 \uacbd\uc6b0) \uc6b4\uc601\ub420 \uac00\ub2a5\uc131\uc774 \ud06c\ub2e4. \uc774\ub7ec\ud55c \ud1b5\ud654\ub4e4\uc740 \ud1b5\ud654 \uc815\ucc45\uc758 \uc790\ub3d9\ud654\uc5d0 \uae30\uc5ec\ud558\uc5ec, \uc2e0\ud765\uacbd\uc81c\uad6d\uc758 \ud558\uc774\ud37c \uc778\ud50c\ub808\uc774\uc158 \ub9ac\uc2a4\ud06c\ub97c \uc644\ud654\ud558\uace0 \uad6c\ub9e4\ub825 \ubd88\ud3c9\ub4f1\uc744 \uac10\uc18c\uc2dc\ud0ac \uc218 \uc788\ub2e4. \ucd94\uc801\uc131\uc758 \uac1c\uc120\uc73c\ub85c \uc778\ud574 \uac01\uad6d\uc740 \ubc94\uc8c4 \ud65c\ub3d9, \ud0c8\uc138, \ub9c8\uc57d\ubc00\ub9e4\ub97c \uc5b5\uc81c\ud560 \uc218 \uc788\uc744 \uac83\uc774\ub2e4. \uc911\uad6d\uc758 \uc911\uc559\uc740\ud589\uc740 \uc911\uc559\uc9d1\uc911\ud654\ub41c CBDC 1.0 \uad6c\ucd95\uc5d0 \ucd08\uc810\uc744 \ub9de\ucd94\uc5b4 \uc778\ubbfc\ud3d0\uc758 \ub514\uc9c0\ud138 \ubc84\uc804\uc744 \ucd9c\ubc94\ud558\uae30\ub97c \ud76c\ub9dd\ud558\uace0 \uc788\ub2e4. DCEP(Digital Currency Electronic Payment)\uc73c\ub85c \ubd88\ub9ac\ub294 \uac00\uc0c1\ud654\ud3d0\ub294 \ubd80\ubd84\uc801\uc73c\ub85c \ube14\ub85d\uccb4\uc778 \uae30\uc220\uc744 \uae30\ubc18\uc73c\ub85c \ud560 \uac83\uc774\ub2e4. \uc2a4\uc6e8\ub374\uc758 \uc911\uc559\uc740\ud589\uc740 2020\ub144 \uc77c \ub144\uac04\uc758 \ube14\ub85d\uccb4\uc778 \uae30\ubc18 e-\ud06c\ub85c\ub098 \uc2dc\ubc94\uc6b4\uc601\uc744 \ubc1c\ud45c\ud588\ub2e4. ECB, \uce90\ub098\ub2e4\uc758 \uc911\uc559\uc740\ud589, \ub610 \ub2e4\ub978 \uc911\uc559\uc740\ud589\ub4e4\ub3c4 \uc5f0\uad6c\uac1c\ubc1c \uc2dc\uae30\ub97c \uac00\uc18d\ud654\ud558\uace0 \uc788\ub2e4.<\/p>\n<p>\ud558\ub098\uc758 \ud1b5\ud654\uac00 \uc5b4\ub5bb\uac8c \uc124\uacc4\ub418\ub294\uc9c0\ub294 \uc0ac\ud68c\uc801\uc778 \uc601\ud5a5\ub3c4 \ubbf8\uce58\uba70, \uc774\ub294 \ud1b5\ud654\uc758 \uc7a5\uae30\uc801\uc778 \uacbd\uc7c1\ub825\uacfc \uac00\uce58\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\ub2e4. \uad6d\uc81c\ud1b5\ud654\uae30\uae08 \uc560\ub110\ub9ac\uc2a4\ud2b8 \ud1a0\ube44\uc544\uc2a4 \uc544\ub4dc\ub9ac\uc548\uacfc \ud1a0\ub9c8\uc18c \ub9e8\uce58\ub2c8-\uadf8\ub9ac\ud3f4\ub9ac\ub294 2019\ub144 9\uc6d4 IMF \ube14\ub85c\uadf8 \uae30\uace0\ubb38\uc5d0\uc11c \ub2e4\uc74c\uacfc \uac19\uc774 \ub9d0\ud588\ub2e4. \u201c\uacb0\uc81c\ub294 \ub2e8\uc21c\ud55c \uc790\uae08\uc774\uccb4 \ud589\uc704 \uc774\uc0c1\uc774\ub2e4. \uc774\ub294 \uadfc\ubcf8\uc801\uc73c\ub85c \uc0ac\ub78c\ub4e4\uc744 \uc774\uc5b4\uc8fc\ub294 \uc0ac\ud68c\uc801 \uacbd\ud5d8\uc774\ub2e4.\u201d BCG\uc758 \uc804\uccb4\uc801\uc778 \uc0ac\ud68c\uc801 \uc601\ud5a5 \ubd84\uc11d\uc5d0 \ub530\ub974\uba74, \uacbd\uc81c, \uc18c\ube44\uc790, \uc724\ub9ac, \ud658\uacbd, \uc0ac\ud68c\uc801 \uce21\uba74\uc758 \uc9c0\uc6d0\uacfc \uac70\ubc84\ub10c\uc2a4 \uc694\uc778\uc740 \ud1b5\ud654\uc758 \ub9ac\uc2a4\ud06c\uc640 \uc218\uc775\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\ub2e4. \uc608\ub97c \ub4e4\uba74, CBCD\uc640 \ucee8\uc18c\uc2dc\uc5c4 \uc2a4\ud14c\uc774\ube14\ucf54\uc778\uc740 \ub354 \ub9ce\uc740 \uac00\uce58 \uc6d0\ucc9c\ub4e4\uc744 \ud65c\uc131\ud654\uc2dc\ud0a4\uace0 \uac00\uc7a5 \uae0d\uc815\uc801\uc778 \uc0ac\ud68c\uc801 \uc601\ud5a5\uc744 \ucc3d\ucd9c\ud558\ub294 \ubc18\uba74, \uc775\uba85\uc131\uc774 \ub354 \uac15\ud558\uac70\ub098 \ud3d0\uc1c4\uc801\uc778 \uc131\uaca9\uc758 \uc554\ud638\ud654\ud3d0\uc640 \uc790\uc0b0\uc5f0\ub3d9 \uc2a4\ud14c\uc774\ube14\ucf54\uc778\uc740 \uac00\uce58\ub97c \uc704\ucd95\uc2dc\ud0ac \uc218 \uc788\ub294 \uc724\ub9ac\uc801 \uc6b0\ub824\ub97c \ucd08\ub798\ud560 \uac00\ub2a5\uc131\uc774 \uc788\ub2e4. (\ubcf4\uae30 3 \ucc38\uc870.)<\/p>\n<p><a href=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/get-ready-for-the-future-of-money-3.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2261\" src=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/get-ready-for-the-future-of-money-3.png\" alt=\"\" width=\"1311\" height=\"895\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/get-ready-for-the-future-of-money-3.png 1311w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/get-ready-for-the-future-of-money-3-300x205.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/get-ready-for-the-future-of-money-3-1024x699.png 1024w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/get-ready-for-the-future-of-money-3-768x524.png 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/get-ready-for-the-future-of-money-3-218x150.png 218w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/get-ready-for-the-future-of-money-3-696x475.png 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/get-ready-for-the-future-of-money-3-1068x729.png 1068w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/get-ready-for-the-future-of-money-3-615x420.png 615w\" sizes=\"auto, (max-width: 1311px) 100vw, 1311px\" \/><\/a><\/p>\n<h3><strong>\uc9c0\uae08 \ub9ac\ub354\ub4e4\uc774 \ud574\uc57c \ud560 \uac83<\/strong><\/h3>\n<p>\uac00\uc7a5 \uc720\ub9dd\ud55c \ub514\uc9c0\ud138 \ud654\ud3d0 \uc0dd\ud0dc\uacc4\uac00 \uc784\uacc4\uce58\uc5d0 \ub3c4\ub2ec\ud558\uae30\uae4c\uc9c0\ub294 5\ub144\uc774 \ub354 \uac78\ub9b4 \uac83\uc73c\ub85c \uc804\ub9dd\ub418\ub098 \uc120\uc810\uc790 \uc6b0\uc704\ub294 \ub2e4\ub978 \uc870\uc9c1\ub4e4\uc774 \uadf9\ubcf5\ud558\uae30 \uc5b4\ub824\uc6b8 \uac83\uc774\ub2e4. \uadf8\ub7ec\ud55c \uc120\uc810\uc790\uac00 \ub418\ub294 \uac83\uc744 \ubaa9\ud45c\ub85c \uc0bc\ub4e0, \uc2e0\uc18d\ud55c \ucd94\uc885\uc790\ub85c\uc11c \ucc38\uc5ec\ud558\ub4e0, \uc544\ub2c8\uba74 \ub514\uc9c0\ud138 \ud654\ud3d0 \uc2dc\uc7a5\uc774 \ub354 \uc131\uc219\ud560 \ub54c\uae4c\uc9c0 \uae30\ub2e4\ub9ac\ub4e0, \ub9ac\ub354\ub4e4\uc740 \ubc14\ub85c \uc9c0\uae08 \uc2dc\uac04\uc744 \ud22c\uc790\ud558\uc5ec \uc0c8\ub86d\uac8c \ubd80\uc0c1\ud558\ub294 \ubaa8\ub378\ub4e4\uc774 \uc5b4\ub5bb\uac8c \uc790\uad6d\uacfc \uc790\uc0ac\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce60 \uac83\uc778\uc9c0 \ud30c\uc545\ud560 \ud544\uc694\uac00 \uc788\ub2e4. \ub2e4\uc74c\uc740 \uadf8\ub7ec\ud55c \ud1a0\ub300 \ub9c8\ub828\uc758 \uc2dc\uc791\uc744 \uc704\ud574 \ucde8\ud560 \uc218 \uc788\ub294 \uc8fc\uc694 \uc870\uce58\ub4e4\uc774\ub2e4.<\/p>\n<ul>\n<li>\uc804\ub7b5\uc801, \uc640\ud574\uc801 \uc7a0\uc7ac\ub825\uc744 \ud3c9\uac00\ud55c\ub2e4. \uc2dc\uac04\uc774 \uc9c0\ub098\uba74, \uac01\uad6d \uc815\ubd80\uc640 \uc870\uc9c1\ub4e4\uc740 \uc5ec\ub7ec \uac00\uc9c0 \ud615\ud0dc\uc758 \ub514\uc9c0\ud138 \ud654\ud3d0\ub97c \uc774\uc6a9\ud558\uc5ec \ub0b4\ubd80 \uc6b4\uc601\uc744 \uac1c\uc120\ud558\uace0, \uad6d\ub0b4 \ubc0f \uad6d\uc81c \uac70\ub798\ub97c \uc9c0\uc6d0\ud558\uba70, \uc0c8\ub85c\uc6b4 \uc790\uae08\uc870\ub2ec \uae30\ud68c\ub97c \ucc3d\ucd9c\ud560 \uac83\uc73c\ub85c \uc804\ub9dd\ub41c\ub2e4. \ub514\uc9c0\ud138 \ud654\ud3d0\uc640 \uc774\ub97c \ub5a0\ubc1b\uce58\uace0 \uc788\ub294 \uae30\uc220\ub4e4\uc774 \uc0c8\ub85c\uc6b4 \uac83\uc774\uae30 \ub54c\ubb38\uc5d0 \uc2dc\ub098\ub9ac\uc624 \ubaa8\ub378\ub9c1\uc740 \ub9ac\ub354\ub4e4\uc774 \ubcf4\ub2e4 \uc640\ud574\uc801\uc778 \ub9ac\uc2a4\ud06c\ub97c \uc608\uc0c1\ud558\ub294 \uac83\uc744 \uc9c0\uc6d0\ud558\ub294 \ub370 \uc788\uc5b4 \ud544\uc218\uc801\uc77c \uc218 \uc788\ub2e4. \uc6b0\ub9ac\ub294 \uadf9\uc801\uc774\uc9c0\ub9cc \uac00\ub2a5\ud55c \uc0c1\ud669\ub4e4\uc758 \ub9ac\uc2a4\ud2b8\ub97c \ucde8\ud569\ud558\uc5ec \uc640\ud574\uc801 \ud30c\uae09\ud6a8\uacfc\ub4e4\uc740 \ub514\uc9c0\ud138 \ud654\ud3d0\uac00 \uc8fc\ub958\uac00 \ub418\uc5b4\uac00\ub294 \uacfc\uc815\uc784\uc744 \ubcf4\uc5ec\uc8fc\uace0\uc790 \ud588\ub2e4. \uc774\ub7ec\ud55c \ud2b9\uc218\ud55c \uc2dc\ub098\ub9ac\uc624\ub4e4\uc774 \uc2e4\uc81c\ub85c \ubc1c\uc0dd\ud558\uc9c0 \uc54a\ub294\ub2e4 \ud558\ub354\ub77c\ub3c4 \ub9ac\ub354\uc640 \ud300\ub4e4\uc774 \uc790\uccb4\uc801\uc778 \u201c\uac00\uc815\u201d\uc744 \uae30\ubc18\uc73c\ub85c \ud55c \uc5f0\uc2b5\uc744 \ud1b5\ud574 \uc7a0\uc7ac\uc801\uc778 \uacbd\uc7c1 \uc640\ud574 \ubc0f \uac00\ub2a5\ud55c \uae08\uc735 \ud3ec\uc6a9\uc131\uc5d0 \ub300\ud55c \uc601\ud5a5\uc744 \uc774\ud574\ud558\ub294 \uac83\uc740 \uc911\uc694\ud558\ub2e4. (\u201c\ub514\uc9c0\ud138 \ud654\ud3d0\uc758 \ubbf8\ub798\uc5d0 \ub300\ud55c \uc2dc\ub098\ub9ac\uc624.\u201d \ucc38\uc870)<\/li>\n<\/ul>\n<hr \/>\n<h3><strong>\ub514\uc9c0\ud138 \ud654\ud3d0\uc758 \ubbf8\ub798\uc5d0 \ub300\ud55c \uc2dc\ub098\ub9ac\uc624<\/strong><\/h3>\n<p>\ube44\uc988\ub2c8\uc2a4 \ubc0f \uc6b4\uc601 \ud658\uacbd\uc774 \uc5b4\ub5bb\uac8c \ubcc0\ud654\ud560 \uac83\uc778\uc9c0 \uad6c\uc0c1\ud574\ubd04\uc73c\ub85c\uc368 \uc870\uc9c1\uc740 \ubd80\uc815\uc801\uc778 \ub9ac\uc2a4\ud06c\ub97c \uc644\ud654\ud558\uace0 \uc804\ub7b5\uc801 \uae30\ud68c\ub97c \ud65c\uc6a9\ud560 \uc218 \uc788\ub294 \uc120\uc81c\uc801\uc778 \uc870\uce58\ub97c \ucde8\ud560 \uc218 \uc788\ub2e4. \ub2e4\uc74c\uc740 \ub9ac\ub354\ub4e4\uc774 \ube0c\ub808\uc778\uc2a4\ud1a0\ubc0d\uc744 \uc2dc\uc791\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub418\ub294 \uba87 \uac00\uc9c0 \uae09\uc9c4\uc801\uc774\uc9c0\ub9cc \uac00\ub2a5\uc131\uc774 \ub192\uc740 \uc2dc\ub098\ub9ac\uc624\ub4e4\uc774\ub2e4.<\/p>\n<ul>\n<li>\uc911\uad6d\uc740 \uc790\uad6d \ud1b5\ud654\uc758 \uc704\uc0c1 \uac15\ud654\ub97c \uc704\ud574 CBDC \ucd94\uc9c4\uc744 \uac00\uc18d\ud654\ud55c\ub2e4. \uc911\uad6d\uc740 \uc804\ub7b5\uc801\uc778 \ud61c\ud0dd(\ub354 \ub0ae\uc740 \uc790\uae08\uc870\ub2ec \ube44\uc6a9 \ubc0f \uc81c\uc7ac\ub97c \ud68c\ud53c\ud558\uac70\ub098 \uac00\ud558\ub294 \ub2a5\ub825 \ub4f1)\uc774 \uc788\ub294 \ubbf8\ub2ec\ub7ec\ud654\uc758 \uc900\ube44\uae08 \ud1b5\ud654\ub77c\ub294 \uc704\uc0c1\uc5d0 \ub3c4\uc804\ud558\uae30 \uc704\ud55c \uacc4\ud68d\uc758 \uc77c\ud658\uc73c\ub85c CBDC\ub97c \ucd9c\ubc94\ud55c\ub2e4. \ubbf8\uad6d\uc740 \ub514\uc9c0\ud138 \ub2ec\ub7ec\ub85c \ub300\uc751\ud55c\ub2e4.<\/li>\n<li>\uc2a4\uc6e8\ub374\uc758 CBDC\ub294 \ud604\uae08 \uc804\uc7c1\uc744 \uc2dc\uc791\ud55c\ub2e4. \ud604\uae08 \uc0ac\uc6a9\uc774 \uac10\uc18c\ud558\uace0 \uc788\ub294 \uc2a4\uc6e8\ub374\uc5d0\uc11c\ub294 \uc790\uad6d\ubbfc\uc744 \uc704\ud55c CBDC\ub97c \ucd94\uc9c4\ud55c\ub2e4. \uc2a4\uc6e8\ub374\uc744 \uc81c\uc678\ud55c EU \uac01\uad6d \uad6d\ubbfc\ub4e4\uc740 SEK\ub97c \uc0ac\uc6a9\ud558\uae30 \uc2dc\uc791\ud558\ub294\ub370, \uc774 \uc2dc\ub098\ub9ac\uc624\ub294 EU \ubc95\uc5d0 \uc758\ud574 \ud5c8\uc6a9\uac00\ub2a5\ud558\ub098 \ud1b5\ud654\uc758 \ucd9c\ubc94 \ub2f9\uc2dc \uc2a4\uc6e8\ub374 \uad00\ub8cc\ub4e4\uc740 \uac00\ub2a5\uc131\uc774 \ub0ae\uc744 \uac83\uc73c\ub85c \uc0dd\uac01\ud588\ub2e4. SEK\uc5d0 \ub300\ud55c \uc218\uc6a9\ub3c4\uac00 \ucee4\uc9c0\uba74\uc11c \ub374\ub9c8\ud06c \ub4f1\uc758 \ube44 \uc720\ub85c\uad8c \uad6d\uac00\ub4e4\uc740 \uc790\uad6d\uc758 CBDC\ub85c \ub300\uc751\ud558\uace0, \uacb0\uad6d ECB\ub3c4 \ucd94\uc9c4\ud558\uac8c \ub41c\ub2e4.<\/li>\n<li>\ub300\uaddc\ubaa8\uc758 \uacbd\uc81c \uc704\uae30\ub85c \uc778\ud574 \uae00\ub85c\ubc8c \uae08\uc735 \uc2dc\uc2a4\ud15c\uc758 \uae09\uc9c4\uc801\uc778 \uad6c\uc870\uc870\uc815\uc774 \ucd08\ub798\ub41c\ub2e4. \uad6d\ubbfc\uacfc \uc815\uce58\uad8c\uc740 \ub354 \uc774\uc0c1 \uad6c\uc81c\uae08\uc735\uc744 \uc81c\uacf5\ud574\uc11c\ub294 \uc548 \ub41c\ub2e4\uace0 \uc694\uad6c\ud55c\ub2e4. \uc120\uc9c4\uad6d \uc804\ubc18\uc5d0\uc11c \uc2dc\uce74\uace0 \uacc4\ud68d\uc774 \uc2e4\ud589\ub418\uc5b4 \uc911\uc559\uc740\ud589\ub4e4\uc740 \ubaa8\ub4e0 \ud615\ud0dc\uc758 \ub3c8\uc758 \ucc3d\ucd9c\uc5d0 \ub300\ud55c \ub2e8\ub3c5 \ucc45\uc784\uae30\uad00\uc774 \ub41c\ub2e4. CBDC\ub294 \uac1c\ud601\uc758 \uc77c\ud658\uc73c\ub85c \ub3c4\uc785\ub41c\ub2e4. \uac01\uad6d \uc815\ubd80\ub294 \uc7ac\uc815 \ubd80\uc591\ucc45\uc744 \ud1b5\ud574, (\ubd80\ubd84\uc9c0\uae09\uc900\ube44\uae08 \uc81c\ub3c4\uc5d0\uc11c \uc2dc\uc911\uc740\ud589\uc774 \ucc3d\ucd9c\ud558\ub294 \ub3c8\uc5d0 \ub300\ube44\ud558\uc5ec) \uc0c8\ub85c\uc6b4 \ub3c8\uc758 \ucc3d\ucd9c \uba54\ucee4\ub2c8\uc998\uc73c\ub85c\uc11c \ubcf4\ud3b8\uc801 \uae30\ubcf8 \uc18c\ub4dd(universal basic income, UBI)\uc744 \ub3c4\uc785\ud55c\ub2e4. \uba85\ubaa9 \uc774\uc790\uc728\uc744 \uc81c\ub85c\uc5d0 \uac00\uae5d\uac8c \uc124\uc815\ud558\ub294 \ud504\ub9ac\ub4dc\uba3c \uaddc\uce59\uc774 \ud504\ub85c\uadf8\ub7a8\uac00\ub2a5\ud55c CBDC\uc758 \uc77c\ub2e8\uc758 \uc790\ub3d9\ud654 \ud1b5\ud654 \uc815\ucc45\uc73c\ub85c\uc11c \ucc44\ud0dd\ub41c\ub2e4. \ubd84\uc0b0\ud615 \uac70\ubc84\ub10c\uc2a4 \ubaa8\ub378\uc774 \uc801\uc6a9\ub418\uc5b4 \ud604\uc7ac\uc758 \uc911\uc559\uc740\ud589 \ub3c5\ub9bd\uc131\uacfc \ub3d9\uc77c\ud55c \ubc29\uc2dd\uc73c\ub85c UBI\ub97c \ud1b5\ud654 \uc815\ucc45\uc5d0 \ub300\ud55c \uc815\uce58\uc801 \uac1c\uc785\uc73c\ub85c\ubd80\ud130 \ubcf4\ud638\ud55c\ub2e4.<\/li>\n<li>\ud640\uc138\uc77c \uc774\ub2c8\uc154\ud2f0\ube0c\uac00 \uad6d\uac00 \ud1b5\ud654\ub97c \uc704\ud611\ud55c\ub2e4. UBS \uacf5\uc6a9\uacb0\uc81c\ucf54\uc778(utility settlement coin)\ub4f1 \ubbfc\uac04\ubd80\ubb38\uc758 \uc774\ub2c8\uc154\ud2f0\ube0c\ub294 \ud640\uc138\uc77c \uc6b4\uc601\uc73c\ub85c \uc2dc\uc791\ud558\uc5ec \uc810\uc9c4\uc801\uc73c\ub85c \ub354 \uad11\ubc94\uc704\ud55c \uc811\uadfc\uc131\uc744 \ud68d\ub4dd\ud558\uace0 \ub354 \ub113\uc740 \ubc94\uc704\uc758 \uacbd\uc81c\ub85c \uac78\ub824\uc838 \ub098\uac04\ub2e4. \ucf54\uc778\uc774 \ub354 \uad11\ubc94\uc704\ud558\uac8c \uc0ac\uc6a9\ub418\uba74\uc11c, \uc911\uc559\uc740\ud589\uc740 \uc774\ub7ec\ud55c \ud1b5\ud654\uac00 \uc790\uad6d \ud1b5\ud654\uc758 \uc785\uc9c0\ub97c \uc704\ud611\ud558\uace0 \ud1b5\ud654\uc815\ucc45\uc5d0 \ubd80\uc815\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce58\uace0 \uc788\ub2e4\uace0 \ud30c\uc545\ud55c\ub2e4. \uc911\uc559\uc740\ud589\uc740 \uc790\uccb4 CBDC\ub97c \ubc1c\ud589\ud568\uc73c\ub85c\uc368 \uc774\uc5d0 \ub300\uc751\ud55c\ub2e4.<\/li>\n<li>\uad6d\uac00 \ud1b5\ud654\ub294 \ubbfc\uac04\ubd80\ubb38 \uc18c\ub9e4 CBDC\uc758 \uc555\ub825\uc744 \ubc1b\ub294\ub2e4. \ucee8\uc18c\uc2dc\uc5c4 \uc2a4\ud14c\uc774\ube14\ucf54\uc778\uc774 \ucd9c\ubc94\ub418\uc5b4 \uc911\uc559\uc740\ud589\uc740 \ud640\uc138\uc77c \uc774\ub2c8\uc154\ud2f0\ube0c \uc2dc\ub098\ub9ac\uc624\uc5d0\uc11c\uc640 \ube44\uc2b7\ud55c \uc120\ud0dd\uc5d0 \uc9c1\uba74\ud558\uac8c \ub41c\ub2e4. \uc774\ub294 \ub300\ubd80\ubd84\uc758 \ub098\ub77c\uc5d0\uc11c \uc740\ud589\uad8c\uc774 \ucc98\uc74c \uc0dd\uacbc\uc744 \ub54c \ubbfc\uac04 \ubd80\ubb38\uc774 \uc120\ub3c4\ud558\uace0 \uacf5\uacf5 \ubd80\ubb38\uc774 \ub4a4\ub97c \ub530\ub790\ub358 \uac83\uacfc \ub9e4\uc6b0 \ube44\uc2b7\ud55c \ubc29\uc2dd\uc73c\ub85c \uc804\uac1c\ub41c\ub2e4.<\/li>\n<\/ul>\n<hr \/>\n<ul>\n<li>\uc720\ub9dd\ud55c \ud65c\uc6a9 \ucf00\uc774\uc2a4\ub4e4\uc744 \uc2e4\ud5d8\ud558\ub294 \ub514\uc9c0\ud138 \ubc0f \uaddc\uc81c \uc0cc\ub4dc\ubc15\uc2a4\ub97c \ub9cc\ub4e0\ub2e4. \uc804\ub7b5\uc801 \ubd84\uc11d\uc5d0 \uae30\ubc18\ud558\uc5ec \ub9ac\ub354\ub4e4\uc740 \ub450\uc138 \uac1c\uc758 \uc7a0\uc7ac\ub825\uc774 \ud070 \uc774\ub2c8\uc154\ud2f0\ube0c\ub4e4\uc744 \ud30c\uc545\ud558\uace0, \uc790\uc0b0\uc5f0\ub3d9 \uc2a4\ud14c\uc774\ube14\ucf54\uc778 \uac1c\ubc1c \ub610\ub294 CBDC \uad00\ub828 \ud611\uc5c5 \ub4f1 \uc18c\uaddc\ubaa8\uc758 \uc2dc\ubc94\uc6b4\uc601\uc744 \uc2dc\uc791\ud574\uc57c \ud55c\ub2e4. \uac70\ubc84\ub10c\uc2a4, \ud504\ub85c\uadf8\ub7a8 \uac00\ub2a5\uc131, \uc5f0\ub3d9 \uc885\ub958 \ub4f1\uc758 \ub514\uc9c0\ud138 \ud654\ud3d0 \ucc3d\ucd9c\uc5d0 \uc218\ubc18\ub418\ub294 \uc124\uacc4 \ub300\uc548\ub4e4\uc744 \ud30c\uc545\ud558\ub294 \uac83\uc740 \ub9ac\ub354\ub4e4\uc774 \uc5b4\ub5a0\ud55c \uc804\ud615\uc774 \uc790\uc0ac\uc758 \ub2c8\uc988\uc5d0 \uac00\uc7a5 \uc801\ud569\ud558\uace0 \uc5b4\ub5a4 \uac83\uc744 \ud53c\ud574\uc57c \ud558\ub294\uc9c0\ub97c \uacb0\uc815\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\ub2e4.<\/li>\n<li>\uc774\ub7ec\ud55c \uc124\uacc4 \uad00\ub828 \uc120\ud0dd\uc0ac\ud56d\uc758 \ub300\ubd80\ubd84\uc758 \uc6b4\uc601 \ubc94\uc704\ub294, \uac70\ubc84\ub10c\uc2a4\uc758 \uacbd\uc6b0\uc5d0\ub294 \uc911\uc559\uc9d1\uc911\ud615\ubd80\ud130 \ubd84\uc0b0\ud615 \uc124\uacc4\uae4c\uc9c0, \uc720\ud1b5\uc758 \uacbd\uc6b0\uc5d0\ub294 \uc81c\ud55c\uc801\uc778 \uc720\ud1b5\ubd80\ud130 \uac1c\ubc29\uc801\uc778 \uc720\ud1b5\uc5d0 \uc774\ub974\uae30\uae4c\uc9c0 \uad11\ubc94\uc704\ud558\ub2e4. \ub514\uc9c0\ud138 \ud654\ud3d0 \ubaa8\ub378\uc774 \uc774\ub7ec\ud55c \ud2b9\uc9d5\ub4e4\uc744 \uc5b4\ub5bb\uac8c \uc870\ud569\ud558\ub294\uc9c0\ub294 \ub514\uc9c0\ud138 \ud654\ud3d0\uc758 \ud65c\uc6a9\uacfc \uac00\uce58\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\ub2e4.(\ubcf4\uae30 4 \ucc38\uc870.) \ud300\ub4e4\uc774 \uc0c8\ub85c\uc6b4 \uae30\uc220, \ub514\uc9c0\ud138 \uacbd\uc7c1\ub825, \uc5c5\ubb34 \ubc29\uc2dd\uc744 \ud0d0\uc0c9\ud574\ubcfc \uc218 \uc788\ub294 \uc2e4\ud5d8\uc6a9 \uc0cc\ub4dc\ubc15\uc2a4\ub97c \ucc3d\ucd9c\ud558\ub294 \uac83\uc740 \uc7a5\uae30\uc801\uc73c\ub85c \uc624\ub958\uc640 \ub0ad\ube44\ub97c \uc904\uc774\uace0 \uc870\uc9c1\uc774 \uc785\uc99d\ub41c \uc774\ub2c8\uc154\ud2f0\ube0c\ub97c \ub354 \ube60\ub974\uac8c \ud655\ub300\uc801\uc6a9\ud558\ub294 \ub370\uc5d0 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\ub2e4.<\/li>\n<\/ul>\n<p><a href=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/get-ready-for-the-future-of-money-4.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2262\" src=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/get-ready-for-the-future-of-money-4.png\" alt=\"\" width=\"1311\" height=\"861\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/get-ready-for-the-future-of-money-4.png 1311w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/get-ready-for-the-future-of-money-4-300x197.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/get-ready-for-the-future-of-money-4-1024x673.png 1024w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/get-ready-for-the-future-of-money-4-768x504.png 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/get-ready-for-the-future-of-money-4-696x457.png 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/get-ready-for-the-future-of-money-4-1068x701.png 1068w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/get-ready-for-the-future-of-money-4-640x420.png 640w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/get-ready-for-the-future-of-money-4-741x486.png 741w\" sizes=\"auto, (max-width: 1311px) 100vw, 1311px\" \/><\/a><\/p>\n<ul>\n<li>\uc7ac\ubb34\uc801\uc778 \ud30c\uc545\uc744 \uc2e4\uc2dc\ud55c\ub2e4. \uc5b4\ub5a0\ud55c \uc774\ub2c8\uc154\ud2f0\ube0c\uc758 \uacbd\uc6b0\uc640\ub3c4 \ub9c8\ucc2c\uac00\uc9c0\ub85c, \uc870\uc9c1\uc740 \ud3ec\uad04\uc801\uc778 \ube44\uc988\ub2c8\uc2a4 \ucf00\uc774\uc2a4\ub97c \uad6c\uc131\ud560 \ud544\uc694\uac00 \uc788\ub2e4. \uadf8\ub7ec\ud55c \ubd84\uc11d\uc744 \uc704\ud574\uc11c\ub294 \uae00\ub85c\ubc8c \ud655\uc7a5 \uae30\ud68c, \ucd94\uac00 \uc11c\ube44\uc2a4\ub97c \ud1b5\ud55c \uc0c8\ub85c\uc6b4 \ub9e4\ucd9c, \ud6a8\uc728\uc131 \uc99d\ub300\ub97c \ud1b5\ud55c \ube44\uc6a9 \uc808\uac10, \uacb0\uc81c \uc778\ud504\ub77c \ubc0f \uc900\ubc95\uac10\uc2dc \uc911\uc2ec\uc758 \ub124\ud2b8\uc6cc\ud06c \ud6a8\uacfc\ub97c \uace0\ub824\ud574\uc57c \ud55c\ub2e4. \uae30\uc5c5\ub4e4\uc740 \uac70\ub798 \uc218\uc218\ub8cc \uac10\uc18c, \ud3b8\ub9ac\ud568 \ubc0f \uc18d\ub3c4 \uac1c\uc120, \ubcf4\ub2e4 \uc548\uc815\uc801\uc778 \ud22c\uc790 \ub4f1 \ucd5c\uc885\uc0ac\uc6a9\uc790 \ud61c\ud0dd\ub3c4 \uace0\ub824\ud574\uc57c \ud55c\ub2e4. \ud558\ud5a5 \ub9ac\uc2a4\ud06c\uc758 \uc815\ub7c9\ud654\ub3c4 \uc911\uc694\ud558\ub2e4. \uc608\ub97c \ub4e4\uba74, CBDC \uc774\ub2c8\uc154\ud2f0\ube0c\ub294 \uc740\ud589\uc758 \uae08\uc735\ucde8\uc57d \uc9c0\uc5ed\uc5d0 \ub300\ud55c \ud22c\uc790\ud65c\ub3d9 \ud655\ub300\uc5d0 \uae30\uc5ec\ud560 \uc218 \uc788\ub2e4. \uadf8\ub7ec\ub098, \ub514\uc9c0\ud138 \ud654\ud3d0\uc758 \ucc44\ud0dd\uc740 \uace0\uac1d\ub4e4\uc758 \uc804\ud1b5\uc801\uc778 \uc608\uae08\uc0c1\ud488 \uc774\ud0c8\uc744 \ucd09\uc9c4\ud560 \uc218\ub3c4 \uc788\ub2e4. \uc774\ub7ec\ud55c \ud1b5\ucc30\ub825\uc740 \uc740\ud589\uc774 \uc774\ub85c \uc778\ud55c \uc608\uae08\uc218\uc785 \uc190\uc2e4\uc744 \uc0c1\uc1c4\ud558\ub294 \ubc29\uc548\uc744 \uacc4\ud68d\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\ub2e4.<\/li>\n<li>\ud6a8\uacfc\uc801\uc778 \uc0dd\ud0dc\uacc4\ub97c \uac1c\ubc1c\ud55c\ub2e4. \ud1b5\ud654\uc758 \uac00\uce58\ub294 \uc774\uc6a9\ub3c4\uc5d0 \ube44\ub840\ud558\uc5ec \uc131\uc7a5\ud55c\ub2e4. \uc870\uc9c1\uc774\ub098 \uc911\uc559\uc740\ud589\uc774 \uc790\uccb4 \uc774\ub2c8\uc154\ud2f0\ube0c\ub97c \ucc3d\ucd9c\ud558\uace0 \uc788\ub4e0, \ub354 \uad11\ubc94\uc704\ud55c \uc0dd\ud0dc\uacc4\uc5d0 \ucc38\uc5ec\ud558\uace0 \uc788\ub4e0, \ub514\uc9c0\ud138 \ud654\ud3d0\uac00 \uc131\uacf5\ud558\uae30 \uc704\ud574\uc11c\ub294 \uaddc\ubaa8\uac00 \ud544\uc694\ud558\ub2e4. \uc870\uae30 \ucc44\ud0dd\uc790\ub4e4\uc758 \uc784\uacc4\ub7c9\uc744 \uad6c\ucd95\ud558\uae30 \uc704\ud574\uc11c\ub294 \uad11\ubc94\uc704\ud55c \uadf8\ub8f9\uc758 \ucc38\uc5ec\uc790\ub4e4 \uac04\uc758 \uc57d\uc18d\ub41c \ud611\uc5c5\uc774 \ud544\uc694\ud558\ub2e4. \uc2e0\ub8b0 \uad6c\ucd95, \ubd88\uac00\ud53c\ud55c \uae34\uc7a5\uc758 \ud574\uc18c, \uac00\uae4c\uc6b4 \uacbd\uc7c1\uc0ac\ub4e4 \uac04\uc758 \ud611\ub825\uc801 \uacbd\uc7c1, \uc989 \u201c\ud611\uc7c1(coopetition)\u201d\uc5d0 \ub300\ud55c \uad00\ub9ac\ub97c \uc704\ud574\uc11c\ub294 \uac15\ub825\ud55c \ub9ac\ub354\uc2ed\uc774 \ud544\uc694\ud558\ub2e4. \uc774\ub7ec\ud55c \uadf8\ub8f9\uc758 \uc758\uc0ac\uacb0\uc815\uc790\ub4e4\uacfc \uc774\ub4e4\uc758 \ub300\ub9ac\uc778\ub4e4\uc740 \ubc18\ub4dc\uc2dc \ud559\uc2b5 \uacfc\uc815 \uc911 \ubc1c\uc0dd\ud558\ub294 \ub3c4\uc804\uacfc\uc81c\uc758 \uadf9\ubcf5\uc5d0 \ud544\uc694\ud55c \uc601\ud5a5\ub825\uacfc \uacbd\ud5d8\uc744 \uac16\ucd94\uace0 \uc788\uc5b4\uc57c \ud558\uba70 \ud544\uc694\ud55c \ud30c\ud2b8\ub108, \ub370\uc774\ud130, \uc778\uc7ac, \uae30\ud0c0 \uae30\ubcf8\uc801\uc778 \uc694\uc18c\ub4e4\uc744 \ud30c\uc545\ud574\uc57c \ud55c\ub2e4.<br \/>\n\uc6b0\ub9ac\uc758 \uacbd\ud5d8\uc5d0 \ub530\ub974\uba74, \uad00\ub828 \ube14\ub85d\uccb4\uc778 \ud601\uc2e0\uc73c\ub85c \uac00\uc7a5 \ud070 \uc131\uacfc\ub97c \uac70\ub450\ub294 \uc870\uc9c1\ub4e4\uc740 \uacf5\uc720\ub41c \ube44\uc804, \uc798 \uc815\uc758\ub41c \ub85c\ub4dc\ub9f5, \uacf5\uc2dd\ud654\ub41c \uad50\uc804 \uaddc\uce59\uc744 \ubc14\ud0d5\uc73c\ub85c \uba85\ud655\ud55c \uc5ed\ud560 \ubc0f \ucc45\uc784\uc744 \uac00\uc9c0\uace0 \ud0c4\ud0c4\ud55c \ud30c\ud2b8\ub108 \uc0dd\ud0dc\uacc4\ub97c \uad6c\ucd95\ud55c\ub2e4. \uc798 \uc124\uacc4\ub41c \uc0dd\ud0dc\uacc4\uc640 \uba85\ud655\ud55c \uac70\ubc84\ub10c\uc2a4 \ud504\ub85c\ud1a0\ucf5c\uc740 \ub9ac\ub354\ub4e4\uc5d0\uac8c \uc8fc\uc694 \uacb0\uacfc\uc5d0 \ub300\ud55c \uc77c\uad00\uc131\uc744 \ud655\ubcf4\ud558\uace0 \uc608\uc0b0 \uc694\uac74, \uc778\uc7ac, \ub370\uc774\ud130, \uae30\ud0c0 \uc790\uc6d0 \ub2c8\uc988\uc5d0 \ub300\ud55c \uc911\uc694\ud55c \uacb0\uc815\uc744 \ub0b4\ub9ac\uae30 \uc704\ud55c \uba54\ucee4\ub2c8\uc998\uc744 \uc81c\uacf5\ud55c\ub2e4. \ub2e4\ud589\ud788, \ub9ce\uc740 \ub514\uc9c0\ud138 \ud654\ud3d0\uc5d0 \ub0b4\uc7a5\ub418\uc5b4 \uc788\ub294 \ubd84\uc0b0\ud615 \ud569\uc758\uae30\ubc18 \uac70\ubc84\ub10c\uc2a4\ub294\ud611\ub825\ud615 \uacbd\uc7c1(coopetition) \ub9ac\uc2a4\ud06c\ub97c \ucd5c\uc18c\ud654\ud558\ub294 \ub370\uc5d0 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\uc73c\uba70 \ubaa8\ub4e0 \ub2f9\uc0ac\uc790\ub4e4\uc774 \uc758\uc0ac\uacb0\uc815\uc744 \ub9cc\ub4e4\uc5b4\uac00\uace0 \uac80\uc99d\ud560 \uc218 \uc788\uac8c \ud560 \uc218 \uc788\ub2e4.<\/li>\n<\/ul>\n<hr \/>\n<p>\ub514\uc9c0\ud138 \ud654\ud3d0\ub294 \ud5a5\ud6c4 5\ub144 \uac04 \uc6b0\ub9ac\uc758 \uae08\uc735 \uc778\ud504\ub77c\ub97c \uc2ec\ub300\ud558\uac8c \ubcc0\ud654\uc2dc\ud0ac \uac83\uc774\ub2e4. \uae08\uc735\uc2dc\uc2a4\ud15c\uc758 \ucc38\uc5ec\uc790\ub4e4\uc740 \uc774\ubc88 \uc2dc\uae30\ub97c \uacc4\uae30\ub85c \uc7a0\uc7ac\uc801 \uc601\ud5a5\uc744 \ubd84\uc11d\ud558\uace0, \uac00\ub2a5\ud55c \uc640\ud574\uc5d0 \ub300\ube44\ud558\uba70, \ub514\uc9c0\ud138 \ud654\ud3d0\uc758 \uac00\uce58\ub97c \uadf9\ub300\ud654\ud558\uace0 \ub514\uc9c0\ud138 \ud654\ud3d0\uc758 \uac1c\ubc1c\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce58\uae30 \uc704\ud574 \uc5b4\ub5a0\ud55c \uc5ed\ud560\uc744 \ud558\uace0\uc790 \ud558\ub294\uc9c0, \uadf8\ub9ac\uace0 \uc5b4\ub5a0\ud55c \ud30c\ud2b8\ub108\uc2ed\uc744 \uccb4\uacb0\ud574\uc57c \ud558\ub294\uc9c0\ub97c \uc801\uadf9\uc801\uc73c\ub85c \ud0d0\uc0c9\ud558\uae30 \uc2dc\uc791\ud574\uc57c \ud55c\ub2e4.<\/p>\n<p><a href=\"https:\/\/www.bcg.com\/publications\/2020\/get-ready-for-the-future-of-money.aspx\" target=\"_blank\" rel=\"noopener\">\uc6d0\ubb38(\uc601\uc5b4)\ubcf4\ub7ec\uac00\uae30<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc778\uc2a4\ud0c0\uadf8\ub7a8 \uc2a4\ud1a0\ub9ac\ub9cc\ud07c \uacf5\uc720\ud558\uae30 \uc26c\uc6b4 \ub514\uc9c0\ud138 \ud654\ud3d0\ub098 \uc2a4\ub9c8\ud2b8\ud3f0\ub9cc\ud07c \uc720\ube44\ud034\ud130\uc2a4\ud55c e-\uacb0\uc81c\ud50c\ub7ab\ud3fc\uc744 \uc0c1\uc0c1\ud574\ubcf4\ub77c. \uc740\ud589 \uacc4\uc88c\ub294 \uc4f8\ubaa8\uac00 \uc5c6\uc5b4\uc9c8\uae4c? \ud1b5\ud654 \uc815\ucc45\uc774 \uc911\uc694\ud560\uae4c? \ub514\uc9c0\ud138 \ucf54\uc778\uacfc \ud1a0\ud070\uc758 \uc218\uac00 \uc99d\uac00\ud568\uc5d0 \ub530\ub77c \uc774\ub7ec\ud55c \ubbf8\ub798\uc5d0 \ub300\ud55c \uc9c8\ubb38\ub4e4\uc740 \ub354 \uc911\uc694\ud574\uc84c\ub2e4.<\/p>\n","protected":false},"author":1,"featured_media":1753,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[33,32],"tags":[],"class_list":{"0":"post-2256","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-fi-ins-pipe","8":"category-industry"},"_links":{"self":[{"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/posts\/2256","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/comments?post=2256"}],"version-history":[{"count":0,"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/posts\/2256\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/media\/1753"}],"wp:attachment":[{"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/media?parent=2256"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/categories?post=2256"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/tags?post=2256"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}