å ұһ â ǥڵ ſ ߿伺 ٷ. ſ ΰ ŷ ٽ̸, ΰ ſī ߱ ſ뵵 ϸ, ̸ ȯ ɷ° ſ ľϿ θ ϰ Ѵ.
, å ſ (Credit Score) ظ ϸ, ſ Ͽ츦 Ѵ. ſ ̳ ſ ġȭ , ŷ ߿ ҷ Ȱȴ. ſ ϸ ŷ Ű ִ.
̿ Բ پ з å Ұ Ѵ. 1, 2, 3ǿ ſ뺸, , ſ뺸, Һó, һν, ڽſ뺸 å Ұ ɿ ϰ ִ.
, å ڰ ƴ ڱ Ѵ. , ߱ޱ, Ȱ üڱ Ȱ ˷ָ, TCB(ſ) Ȱ پ ڱ ؼ ٷ.
å â 鿡 ſ, (å) Ȱ, ڱ ɼǿ ߿ Ͽ â Ͻ 忡 ٶ ʴ´.
1. ſ 1
1.1 һ ǥ ſ ߿伺 1
1.2 ſ 3
2. ſ 9
2.1 KCB(ڸ ũ ) 9
2.2 NICEſ 10
2.3 KCB NICE ٸ ? 11
2.4 CB纰 ֿ ݿ 11
3. ſŷ? 14
3.1 ǸŽſ(Һ) 14
3.2 ſ 15
3.3 ſ 15
3.4 ſ ġ Ȱ 16
4. з 19
4.1 1 19
4.2 2 19
4.3 3 20
4.4 īīũ(1) 21
4.5 ̹ũ(1) 22
4.6 ݰ(2) 22
4.7 (ſ)(2) 22
4.8 () 23
5. å 24
5.1 ź(ſ뺸) 25
5.2 ⺸() 25
5.3 ź(ſ뺸) 25
5.4 (Һó) 26
5.5 (һν) 26
5.6 ź(ڽſ뺸) 26
5.7 긲 26
5.8 ѱ 27
5.9 27
5.10 ߱ޱ 28
5.11 ɰ 28
5.12 ߱ 28
5.13 ߱ Ȯ 29
5.14 Ȱ üڱ Ȱ 30
5.15 ݾ 31
5.16 ñ 31
6. 34
6.1 TCB 34
6.2 TCB(ſ) 35
7. Ÿ ڱ 37
7.1 ε 㺸+ſ 37
7.2 +ſ 37
7.3 ·() 38
8. ڰ ƴ ڱ 39
8.1 ûâб() 39
8.2 Żâб() 40
8.3 (TIPS) 42