Venture Leasing
고가의 장비가 요구되는 반도체 산업에 의해 발달
기업은 대여자를 통해 장비를 빌리고 몇 년의 기간에 걸쳐 상환 (대부분 3년)
장비에 대한 원금과 이자, warrant의 가치에 기초해 금액을 지급
기업은 기간의 만료시점에 잔존가치로 장비를 구입 가능
대여자는 언제든지 기업이 대여료
은행의 환경변화
핀테크를 앞세운 새로운 경쟁자의 진입과 은행 비즈니스 모델 한계
- 시장의 새로운 진입자
금융 Tech기업, 아마존, 구글, 애플
- 뱅킹의 배제 (De-banked) 현상
: P2P Lending
- 은행 비즈니스 모델 한계
수익성 저하 및 비대면 처리비중 90%
은행의 미래
2025년에는 소비자금융부문은 은
This had become possible thanks to two sorts of innovation. The first concerned the rules themselves. Under the original international capital accord struck in Basel in 1988, banks were meant to hold capital worth 8% of their assets. Since some assets are safer than others, and some banks are better at lending safely than others, it seemed sensible to allow banks to calculate how much capital the
The largest esset in Malaysia
Extensive domestic branch network
Main task :Deposits, checking accounts, and domestic and foreign currency transfers, loan
Certified Large lending institution in 60’s
Cannot operate a checking account
Main task :consumer lending
Fundsforeign banks + domestic financial institutions -> Merchant bank
Main task :fees through the fee-related bu
lending, the bank assesses the project about development feasibility and future cash flow analysis and holds the land as collateral. Qualifications for a loan are given to corporations and owned businesses. Use is limited to land acquisition financing (토지매입자금), construction financing(공사자금), project financing(사업자금), etc. for the project. Bank loan limits up to within 20