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홍차넷
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Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/outlogin_toby.php on line 45
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Warning: Use of undefined constant is_admin - assumed 'is_admin' (this will throw an Error in a future version of PHP) in /home/redtea/html/zero_header.php on line 269
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/zero_header.php on line 300
Warning: Use of undefined constant title - assumed 'title' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/bbs_title.php on line 16
티타임
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/bbs_title.php on line 21
Warning: Use of undefined constant header - assumed 'header' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/bbs_title.php on line 31
- 다양한 주제에 대해 자유롭게 글을 작성하는 게시판입니다.
Warning: Use of undefined constant use_formmail - assumed 'use_formmail' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/lib.php on line 519
Warning: Use of undefined constant use_category - assumed 'use_category' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/include/print_category.php on line 9
전체기타일상/생각꿀팁/강좌방송/연예도서/문학영화의료/건강문화/예술경제생활체육과학/기술철학/종교정치요리/음식역사여행육아/가정IT/컴퓨터음악창작게임스포츠사회오프모임
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/setup.php on line 29
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Warning: Use of undefined constant name - assumed 'name' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 2
Warning: Use of undefined constant HTTP_HOST - assumed 'HTTP_HOST' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/memo_replace.php on line 3
Warning: Use of undefined constant x - assumed 'x' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 10
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| Date |
Warning: Use of undefined constant reg_date - assumed 'reg_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 53 23/08/15 21:39:23 Warning: Use of undefined constant mod_date - assumed 'mod_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 56 |
| Name | 구밀복검 |
| Subject | 민간 기업의 평생 금융 서비스는 가능할까 |
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작년쯤 끼적였던 생각인데 아이데이션 차원에서 재탕해서 공유해 봅니다. - 청년기는 진로상의 시행착오나 정보 부족 등이 문제지 사실 평균적으로 보면 생애소득은 충분히 많이 남은 시기고 적절한 직업 훈련/취업 소개 과정이 동반되면 1-2억 이상의 생애소득 증진도 가능합니다. 단순히 취업 시기가 1년만 빨라져도 40년 뒤 노후 소득으로 보면 거의 1억 가까운 차이가 발생하죠. - 현재의 소득, 즉 현금흐름은 곧 할인된 채권 일시불로 즉각 환산 가능합니다. 멀리 갈 것도 없이 주담대는 '네 여윳돈이 다달이 그만큼이면 채권 넘기고 목돈 챙겨가라'라는 뜻이기도 합니다. 가령 DSR 규제하에서 동원할 수 있는 가욋돈이 200이라는 것은 30년의 미래소득 7억 2천을 3% 이자로 할인한 값 5억을 현재로 가져올 수 있는 권리(정확히는 여력)를 갖고 있다는 것이죠. - 즉 젊음은 채무 상환력이 높은 노다지인데 현재 금융상의 비효율이 존재하는 셈이죠. - 그럼 금융조직(은행이든 핀테크든 디파이든)이 청년 계층에게 장기로 교육비와 주거비를 대출하고 대신 직업 훈련과 일자리 알선을 전반적으로 매니지먼트하면서 상환 시점을 앞당기는 방향으로 유도하는 방식의 적극적 대출은 어떨까요. - 아마도 이를 위해서는 해당 조직의 BM이 직업학교나 학원, 자격증 취득 기관 같은 트레이닝 사업과도 연계되어야 할 것입니다. 구직 시장 데이터 관리 서비스 같은 것도 필요할 거고요. - 가령 뫄뫄 컴퍼니라는 곳이 있다고 가정해 봅시다. 이곳은 자회사로 뫄뫄 뱅크를 거느리고 있는데, 뫄뫄 뱅크에서 채무자의 학력과 경력과 주거지와 최근 노동 시장 흐름이나 사업 전망 등을 바탕으로(아주 정량적이지는 않더라도) 퐈퐈 직업군을 추천해주고 그에 맞춰 소개로 뫄뫄 뱅크 산하의 뫄뫄 아카데미 코딩 학원을 추천해준다든지 하면 어떨까요. - 말하자면 내일배움카드나 내채공 같은 것들을 복수의 민영 금융기관이 수직 계열화를 통해 좀 더 규모 있는 사업으로 꾸리는 것이 됩니다. - 이걸 정부 사업과 연계해 볼 수도 있지 않을까요. 가령 수도권이 아닌 광주나 창원이나 울산이나 세종 같은 곳으로 주거와 교육 입지를 유도하고 그에 맞게 정부 기관이 지급 보증을 부분적으로 서준다든지 이자 지원을 해준다든지 대출 상한을 올려준다든지 등등의 유인을 제공하는 식으로.. 말하자면 노량진 같은 걸 지역 거점 도시에 만드는 건데 노량진은 고시촌이라면 이건 지방 거점에 직업 훈련촌을 세우면서 분산을 유도하는 것이죠. 세종 에듀 타운이라든지 빛고을 성균관이라든지 달구벌 오라클이라든지. - 어쩌면 해당 업체가 아예 연금이나 펀드 서비스도 같이 제공하면서 아예 평생 클라이언트가 되는 식으로 현금흐름을 추가로 확보할 수 있지 않을까요. - 이를테면 뫄뫄 뱅크에서 2억 빌려서 사회 진출 초기의 주거 문제와 취업 난관을 해결하고 향후 20년 동안 부채를 갚아 나가면서 저축도 뫄뫄 뱅크에 하고 연금은 뫄뫄 투자자문에 넣고 투자는 뫄뫄금융으로 하고 직장인&실직자&재취업 교육 과정은 뫄뫄 아카데미에서 하고 그런 식.. 전세사기 당하면 뫄뫄 디텍디브가 추심해주고 ㅋㅋ - 평생담보대출? 평담대? 여튼 이 과정 중에 결혼/출산이 발생하면 그에 맞게 인센티브를 추가로 부여한다든가도 생각해 볼 수 있겠죠. 그냥 가벼운 생각인데 토스같은 핀테크 기업들이 품어봄직할 야망이 아닐까 싶어서. Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 133 Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 146 Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 161 6 이 게시판에 등록된 구밀복검님의 최근 게시물
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Warning: Use of undefined constant is_admin - assumed 'is_admin' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/lib.php on line 605
Warning: Use of undefined constant is_admin - assumed 'is_admin' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/lib.php on line 609
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Warning: Use of undefined constant HTTP_HOST - assumed 'HTTP_HOST' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/cmt_replace.php on line 3
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 6
Warning: Use of undefined constant file_name - assumed 'file_name' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 28
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 65
187009 class="iamcmt" style="display:none;"> Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 66
187009 class='vcm '>
Warning: Use of undefined constant x - assumed 'x' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 70
Warning: Use of undefined constant x - assumed 'x' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 71
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 76
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 117
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 118
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 119
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 120
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 121
187009'> Beer Inside
Warning: Use of undefined constant mod_date - assumed 'mod_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 133
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 140
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 140
Warning: Use of undefined constant reg_date - assumed 'reg_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 142
23/08/15 22:38
187009>삭제 주소복사
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 150
https://www.gutenberg.org/ebooks/29458
평생을 넘어서 다음 대 까지 이어지는 금융을 상상하는 소설도 있습니다.
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 158
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 166
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 171
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 172
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 172
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
평생을 넘어서 다음 대 까지 이어지는 금융을 상상하는 소설도 있습니다.
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 158
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 166
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 171
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 172
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 172
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
187009>
187009>
