{"id":124739,"date":"2026-07-28T00:10:13","date_gmt":"2026-07-27T15:10:13","guid":{"rendered":"https:\/\/thekoreantoday.com\/dongdaemun\/2026\/07\/28\/scb-un-systeme-de-notation-de-credit-dedie-aux-petits-commercants-sera-introduit-dans-16-banques-a-partir-de-fin-aout\/"},"modified":"2026-07-28T00:10:16","modified_gmt":"2026-07-27T15:10:16","slug":"scb-un-systeme-de-notation-de-credit-dedie-aux-petits-commercants-sera-introduit-dans-16-banques-a-partir-de-fin-aout","status":"publish","type":"post","link":"https:\/\/thekoreantoday.com\/dongdaemun\/2026\/07\/28\/scb-un-systeme-de-notation-de-credit-dedie-aux-petits-commercants-sera-introduit-dans-16-banques-a-partir-de-fin-aout\/","title":{"rendered":"SCB, un syst\u00e8me de notation de cr\u00e9dit d\u00e9di\u00e9 aux petits commer\u00e7ants, sera introduit dans 16 banques \u00e0 partir de fin ao\u00fbt"},"content":{"rendered":"

 <\/p>\n

La Commission des services financiers (Financial Services Commission) introduira progressivement dans le secteur bancaire, \u00e0 partir de la fin du mois d’ao\u00fbt, un syst\u00e8me de notation de cr\u00e9dit d\u00e9di\u00e9 (SCB) refl\u00e9tant le potentiel de croissance future des petits commer\u00e7ants. L’essentiel est que les petits commer\u00e7ants, jusqu’ici tenus \u00e0 l’\u00e9cart de la finance institutionnelle faute d’ant\u00e9c\u00e9dents financiers suffisants, pourront d\u00e9sormais voir leur potentiel de croissance reconnu lors de l’examen des demandes de pr\u00eat, sur la base de donn\u00e9es non financi\u00e8res telles que le chiffre d’affaires et la zone commerciale.<\/p>\n

 <\/p>\n\n\n\n
\n
\"\"<\/div>\n

  [\ucf54\ub9ac\uc548\ud22c\ub370\uc774] \uc2e0\uc6a9\ud3c9\uac00\uccb4\uacc4 \uac1c\ud3b8 \uc18c\uc0c1\uacf5\uc778\ubd80\ud130 \uc2dc\uc791\ud574 \ubbfc\uc0dd\uacbd\uc81c \ud65c\ub825\uc744 \ubd88\uc5b4\ub123\uaca0\uc2b5\ub2c8\ub2e4 © \uc7a5\ud615\uc784 \uae30\uc790<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

La Commission des services financiers a tenu, le 27 juillet dernier, sous la pr\u00e9sidence du secr\u00e9taire g\u00e9n\u00e9ral Shin Jin-chang, une r\u00e9union de la sous-commission des infrastructures de cr\u00e9dit du \u300cGroupe de pilotage de la strat\u00e9gie de finance inclusive\u300d ainsi que la 7e r\u00e9union de la task-force (T\/F) de r\u00e9forme du syst\u00e8me de notation de cr\u00e9dit, afin d’examiner l’\u00e9tat de pr\u00e9paration de l’introduction dans le secteur bancaire du syst\u00e8me de notation de cr\u00e9dit d\u00e9di\u00e9 aux petits commer\u00e7ants (SCB). Des organismes concern\u00e9s, des experts et des associations de consommateurs ont pris part \u00e0 cette r\u00e9union pour \u00e9changer leurs points de vue.<\/p>\n

 <\/p>\n

Le SCB est un mod\u00e8le qui \u00e9value le potentiel de croissance future des petits commer\u00e7ants non pas \u00e0 partir des \u00e9tats financiers ou des ant\u00e9c\u00e9dents financiers pass\u00e9s, mais \u00e0 partir de donn\u00e9es non financi\u00e8res telles que le chiffre d’affaires et les informations relatives \u00e0 la zone commerciale. Apr\u00e8s avoir pr\u00e9sent\u00e9 les modalit\u00e9s de son introduction lors de la 3e r\u00e9union de la T\/F de r\u00e9forme du syst\u00e8me de notation de cr\u00e9dit, le 9 avril dernier, la Commission des services financiers a \u00e9labor\u00e9 un plan de mise en \u0153uvre concret \u00e0 l’issue de concertations techniques avec le minist\u00e8re des PME et des Start-up, la F\u00e9d\u00e9ration nationale des fonds de garantie de cr\u00e9dit (Korea Federation of Credit Guarantee Foundations), la Seoul Guarantee Insurance, le secteur bancaire, les soci\u00e9t\u00e9s de renseignement de cr\u00e9dit et l’Agence cor\u00e9enne de renseignement de cr\u00e9dit (Korea Credit Information Services). Dans le syst\u00e8me d’\u00e9valuation existant, ax\u00e9 sur les garanties et le score de cr\u00e9dit, plus la situation financi\u00e8re d’un petit commer\u00e7ant \u00e9tait difficile, plus l’acc\u00e8s au pr\u00eat \u00e9tait restreint ; \u00e0 ce titre, l’introduction du SCB, qui int\u00e8gre le potentiel de croissance dans l’\u00e9valuation, rev\u00eat le sens d’\u00e9largir les voies de financement de ces commer\u00e7ants.<\/p>\n

 <\/p>\n\n\n\n
\n
\"\"<\/div>\n

  [\ucf54\ub9ac\uc548\ud22c\ub370\uc774] \uc2e0\uc6a9\ud3c9\uac00\uccb4\uacc4 \uac1c\ud3b8 \uc18c\uc0c1\uacf5\uc778\ubd80\ud130 \uc2dc\uc791\ud574 \ubbfc\uc0dd\uacbd\uc81c \ud65c\ub825\uc744 \ubd88\uc5b4\ub123\uaca0\uc2b5\ub2c8\ub2e4 © \uc7a5\ud615\uc784 \uae30\uc790<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

En premier lieu, le nombre de banques participant \u00e0 l’exploitation pilote a fortement augment\u00e9 : au total, 16 banques appliqueront le SCB \u00e0 des pr\u00eats aux entreprises d’un montant de 2 200 milliards de wons. L’exploitation pilote d\u00e9butera progressivement \u00e0 partir de la fin du mois d’ao\u00fbt, selon l’\u00e9tat de pr\u00e9paration de chaque banque. Sept \u00e9tablissements \u2014 IBK, Shinhan, KB Kookmin, Woori, NH Nonghyup, Hana et Jeju \u2014 lanceront l’exploitation d\u00e8s la fin ao\u00fbt, tandis que neuf autres \u2014 K Bank, Kakao Bank, Toss Bank, Suhyup, iM, Busan, Kyongnam, Gwangju et Jeonbuk \u2014 rejoindront le dispositif au cours du second semestre.<\/p>\n

 <\/p>\n\n\n\n
\n
\"\"<\/div>\n

  [\ucf54\ub9ac\uc548\ud22c\ub370\uc774] \uc2e0\uc6a9\ud3c9\uac00\uccb4\uacc4 \uac1c\ud3b8 \uc18c\uc0c1\uacf5\uc778\ubd80\ud130 \uc2dc\uc791\ud574 \ubbfc\uc0dd\uacbd\uc81c \ud65c\ub825\uc744 \ubd88\uc5b4\ub123\uaca0\uc2b5\ub2c8\ub2e4 © \uc7a5\ud615\uc784 \uae30\uc790<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

Le SCB sera \u00e9galement utilis\u00e9 pour le pr\u00eat Sait-dol (Saitdol) d\u00e9di\u00e9 aux entrepreneurs individuels. Le 27 avril dernier, dans le cadre de son plan de dynamisation des pr\u00eats \u00e0 taux d’int\u00e9r\u00eat interm\u00e9diaire, la Commission des services financiers avait annonc\u00e9 son intention de cr\u00e9er un pr\u00eat Sait-dol d\u00e9di\u00e9 refl\u00e9tant les caract\u00e9ristiques des entrepreneurs individuels, telles que le secteur d’activit\u00e9, l’anciennet\u00e9 et le chiffre d’affaires ; elle en pr\u00e9pare le lancement \u00e0 l’horizon octobre. Pour ce produit, le plafond de pr\u00eat passe de 20 millions \u00e0 30 millions de wons par rapport au pr\u00eat Sait-dol existant, et le volume annuel accord\u00e9 est port\u00e9 de 100 milliards \u00e0 un maximum de 150 milliards de wons. \u00c0 cela s’ajoute l’examen, men\u00e9 conjointement avec le secteur, d’un dispositif appliquant la note de croissance du SCB afin d’accorder des avantages tels qu’une bonification de taux aux entrepreneurs individuels de cr\u00e9dit interm\u00e9diaire pr\u00e9sentant un potentiel de croissance.<\/p>\n

 <\/p>\n\n\n\n
\n
\"\"<\/div>\n

  [\ucf54\ub9ac\uc548\ud22c\ub370\uc774] \uc2e0\uc6a9\ud3c9\uac00\uccb4\uacc4 \uac1c\ud3b8 \uc18c\uc0c1\uacf5\uc778\ubd80\ud130 \uc2dc\uc791\ud574 \ubbfc\uc0dd\uacbd\uc81c \ud65c\ub825\uc744 \ubd88\uc5b4\ub123\uaca0\uc2b5\ub2c8\ub2e4 © \uc7a5\ud615\uc784 \uae30\uc790<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

\u00c0 partir de 2027, le SCB sera \u00e9tendu \u00e0 l’examen et \u00e0 l’\u00e9valuation des garanties des fonds r\u00e9gionaux de garantie de cr\u00e9dit. Ces fonds pr\u00e9parent une refonte de leur syst\u00e8me d’examen afin de diversifier les crit\u00e8res d’\u00e9valuation, en ajoutant \u00e0 l’\u00e9valuation existante centr\u00e9e sur la situation financi\u00e8re et la solvabilit\u00e9 des donn\u00e9es non financi\u00e8res telles que les informations sur la zone commerciale ; ils pr\u00e9voient d’int\u00e9grer le SCB de mani\u00e8re multidimensionnelle, notamment au terme des proc\u00e9dures d’int\u00e9gration au syst\u00e8me de la F\u00e9d\u00e9ration nationale des fonds de garantie de cr\u00e9dit.<\/p>\n

 <\/p>\n

Afin que le secteur financier puisse utiliser le SCB sans difficult\u00e9, le cadre r\u00e9glementaire correspondant sera \u00e9galement r\u00e9vis\u00e9. Les modifications du \u300cR\u00e8glement de supervision de l’activit\u00e9 de renseignement de cr\u00e9dit\u300d et des \u300cLignes directrices d’examen des cr\u00e9dits pour les pr\u00eats aux entrepreneurs individuels\u300d du secteur bancaire devraient \u00eatre achev\u00e9es au cours du mois d’ao\u00fbt, et des \u300cLignes directrices d’exploitation du SCB\u300d, d\u00e9finissant les proc\u00e9dures d’utilisation du SCB et l’exon\u00e9ration de responsabilit\u00e9 des employ\u00e9s, seront \u00e9galement \u00e9labor\u00e9es et diffus\u00e9es au cours du mois d’ao\u00fbt. Ces lignes directrices comprennent le processus d’examen accordant une bonification de taux et de plafond aux notes sup\u00e9rieures, ainsi que des dispositions exon\u00e9rant de leur responsabilit\u00e9 les employ\u00e9s concern\u00e9s lorsqu’ils ont trait\u00e9 un dossier en utilisant de mani\u00e8re raisonnable la note du SCB. L’objectif est de permettre aux agents charg\u00e9s des pr\u00eats d’accorder activement des financements sur la base de l’\u00e9valuation du potentiel de croissance.<\/p>\n

 <\/p>\n\n\n\n
\n
\"\"<\/div>\n

  [\ucf54\ub9ac\uc548\ud22c\ub370\uc774] \uc2e0\uc6a9\ud3c9\uac00\uccb4\uacc4 \uac1c\ud3b8 \uc18c\uc0c1\uacf5\uc778\ubd80\ud130 \uc2dc\uc791\ud574 \ubbfc\uc0dd\uacbd\uc81c \ud65c\ub825\uc744 \ubd88\uc5b4\ub123\uaca0\uc2b5\ub2c8\ub2e4 © \uc7a5\ud615\uc784 \uae30\uc790<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

Le secr\u00e9taire g\u00e9n\u00e9ral Shin Jin-chang a d\u00e9clar\u00e9 : \u300aLa finance inclusive n’est pas seulement un moyen de soutenir les personnes socialement vuln\u00e9rables ; c’est un m\u00e9canisme cl\u00e9 qui \u00e9largit les occasions d’innovation et de croissance et soutient le d\u00e9veloppement durable de notre \u00e9conomie\u300b, ajoutant que \u300ale syst\u00e8me de notation de cr\u00e9dit d\u00e9di\u00e9 aux petits commer\u00e7ants (SCB), qui recourt \u00e0 l’IA pour int\u00e9grer leur potentiel de croissance future dans l’\u00e9valuation du cr\u00e9dit, constitue l’horizon d’un changement de paradigme financier r\u00e9alisant \u00e0 la fois l’inclusion et l’innovation\u300b. Il a par ailleurs soulign\u00e9 : \u300aNous continuerons \u00e0 faire \u00e9voluer ce dispositif en tenant compte en permanence des avis du terrain, afin que le SCB se diffuse de mani\u00e8re stable au-del\u00e0 du secteur bancaire, \u00e0 l’ensemble du secteur financier, et que davantage de petits commer\u00e7ants puissent saisir des occasions de croissance\u300b.<\/p>\n

 <\/p>\n

 <\/p>\n

\uc9c0\uc5ed \ud64d\ubcf4\ub300\uc0ac \uc2e0\uccad<\/a> <\/span> \uae30\uc790\uc591\uc131\uacfc\uc815 \uc2e0\uccad<\/a> <\/span> \ucf54\ub9ac\uc548\ud22c\ub370\uc774 \uc9c0\ubd80\uc7a5 \uc2e0\uccad<\/a> <\/span> \ucf54\ub9ac\uc548\ud22c\ub370\uc774 \uc778\ucc9c\uac15\ud654\ucf54\ub9ac\uc548\ube0c\ub79c\ub4dc\ub300\uc0c1 \uc2e0\uccad<\/a> \ucd5c\uace0\uacbd\uc601\uc778\ub300\uc0c1 \uc2e0\uccad<\/a> \uc18c\ube44\uc790\ub9cc\uc871\ub3c4\ub300\uc0c1 \uc2e0\uccad<\/a> <\/p>\n

\ud83d\udcf0 \uae30\uc0ac \uc6d0\ubb38 \ubcf4\uae30<\/a><\/p>\n

<\uc800\uc791\uad8c\uc790 \u24d2 \ucf54\ub9ac\uc548\ud22c\ub370\uc774(The Korean Today) \ubb34\ub2e8\uc804\uc7ac \ubc0f \uc7ac\ubc30\ud3ec \uae08\uc9c0><\/p>\n","protected":false},"excerpt":{"rendered":"

  La Commission des services financiers (Financial Services Commission) introduira progressivement dans le secteur bancaire, \u00e0 partir de la fin du mois d’ao\u00fbt, un syst\u00e8me … Read more<\/a><\/p>\n","protected":false},"author":160,"featured_media":-999999,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"fifu_image_url":"https:\/\/www.thekorean.today\/imgdata\/smilestory_kr\/202607\/2026072739436072.jpg","fifu_image_alt":"","footnotes":""},"categories":[21],"tags":[258],"class_list":["post-124739","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economy","tag-258","resize-featured-image"],"yoast_head":"\nSCB, un syst\u00e8me de notation de cr\u00e9dit d\u00e9di\u00e9 aux petits ... - \ucf54\ub9ac\uc548\ud22c\ub370\uc774<\/title>\n<meta name=\"description\" content=\"La Commission des services financiers (Financial Services Commission) introduira progressivement dans le secteur bancaire, \u00e0 partir de la fin du mois d'ao\u00fbt,...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/thekoreantoday.com\/2026\/07\/28\/scb-un-systeme-de-notation-de-credit-dedie-aux-petits-commercants-sera-introduit-dans-16-banques-a-partir-de-fin-aout\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SCB, un syst\u00e8me de notation de cr\u00e9dit d\u00e9di\u00e9 aux petits ... - \ucf54\ub9ac\uc548\ud22c\ub370\uc774\" \/>\n<meta property=\"og:description\" content=\"La Commission des services financiers (Financial Services Commission) introduira progressivement dans le secteur bancaire, \u00e0 partir de la fin du mois d'ao\u00fbt,...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/thekoreantoday.com\/2026\/07\/28\/scb-un-systeme-de-notation-de-credit-dedie-aux-petits-commercants-sera-introduit-dans-16-banques-a-partir-de-fin-aout\/\" \/>\n<meta property=\"og:site_name\" content=\"\ucf54\ub9ac\uc548\ud22c\ub370\uc774 \ub3d9\ub300\ubb38\" \/>\n<meta property=\"article:published_time\" content=\"2026-07-27T15:10:13+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-27T15:10:16+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.thekorean.today\/imgdata\/smilestory_kr\/202607\/2026072739436072.jpg\" \/>\n<meta name=\"author\" content=\"\ucf54\ub9ac\uc548\ud22c\ub370\uc774 \ub3d9\ub300\ubb38\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/www.thekorean.today\/imgdata\/smilestory_kr\/202607\/2026072739436072.jpg\" \/>\n<meta name=\"twitter:label1\" content=\"\uae00\uc4f4\uc774\" \/>\n\t<meta name=\"twitter:data1\" content=\"\ucf54\ub9ac\uc548\ud22c\ub370\uc774 \ub3d9\ub300\ubb38\" \/>\n\t<meta name=\"twitter:label2\" content=\"\uc608\uc0c1 \ub418\ub294 \ud310\ub3c5 \uc2dc\uac04\" \/>\n\t<meta name=\"twitter:data2\" content=\"6\ubd84\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/thekoreantoday.com\\\/2026\\\/07\\\/28\\\/scb-un-systeme-de-notation-de-credit-dedie-aux-petits-commercants-sera-introduit-dans-16-banques-a-partir-de-fin-aout\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/thekoreantoday.com\\\/dongdaemun\\\/2026\\\/07\\\/28\\\/scb-un-systeme-de-notation-de-credit-dedie-aux-petits-commercants-sera-introduit-dans-16-banques-a-partir-de-fin-aout\\\/\"},\"author\":{\"name\":\"\ucf54\ub9ac\uc548\ud22c\ub370\uc774 \ub3d9\ub300\ubb38\",\"@id\":\"https:\\\/\\\/thekoreantoday.com\\\/dongdaemun\\\/#\\\/schema\\\/person\\\/203aceeb1553c7a586f5dc7e5cd222be\"},\"headline\":\"SCB, un syst\u00e8me de notation de cr\u00e9dit d\u00e9di\u00e9 aux petits commer\u00e7ants, sera introduit dans 16 banques \u00e0 partir de fin ao\u00fbt\",\"datePublished\":\"2026-07-27T15:10:13+00:00\",\"dateModified\":\"2026-07-27T15:10:16+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/thekoreantoday.com\\\/dongdaemun\\\/2026\\\/07\\\/28\\\/scb-un-systeme-de-notation-de-credit-dedie-aux-petits-commercants-sera-introduit-dans-16-banques-a-partir-de-fin-aout\\\/\"},\"wordCount\":1229,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/thekoreantoday.com\\\/dongdaemun\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/thekoreantoday.com\\\/2026\\\/07\\\/28\\\/scb-un-systeme-de-notation-de-credit-dedie-aux-petits-commercants-sera-introduit-dans-16-banques-a-partir-de-fin-aout\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.thekorean.today\\\/imgdata\\\/smilestory_kr\\\/202607\\\/2026072739436072.jpg\",\"keywords\":[\"\ucf54\ub9ac\uc548\ud22c\ub370\uc774 \ub3d9\ub300\ubb38\"],\"articleSection\":[\"\uacbd\uc81c\"],\"inLanguage\":\"ko-KR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/thekoreantoday.com\\\/2026\\\/07\\\/28\\\/scb-un-systeme-de-notation-de-credit-dedie-aux-petits-commercants-sera-introduit-dans-16-banques-a-partir-de-fin-aout\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/thekoreantoday.com\\\/dongdaemun\\\/2026\\\/07\\\/28\\\/scb-un-systeme-de-notation-de-credit-dedie-aux-petits-commercants-sera-introduit-dans-16-banques-a-partir-de-fin-aout\\\/\",\"url\":\"https:\\\/\\\/thekoreantoday.com\\\/2026\\\/07\\\/28\\\/scb-un-systeme-de-notation-de-credit-dedie-aux-petits-commercants-sera-introduit-dans-16-banques-a-partir-de-fin-aout\\\/\",\"name\":\"SCB, un syst\u00e8me de notation de cr\u00e9dit d\u00e9di\u00e9 aux petits ... - \ucf54\ub9ac\uc548\ud22c\ub370\uc774\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/thekoreantoday.com\\\/dongdaemun\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/thekoreantoday.com\\\/2026\\\/07\\\/28\\\/scb-un-systeme-de-notation-de-credit-dedie-aux-petits-commercants-sera-introduit-dans-16-banques-a-partir-de-fin-aout\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/thekoreantoday.com\\\/2026\\\/07\\\/28\\\/scb-un-systeme-de-notation-de-credit-dedie-aux-petits-commercants-sera-introduit-dans-16-banques-a-partir-de-fin-aout\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.thekorean.today\\\/imgdata\\\/smilestory_kr\\\/202607\\\/2026072739436072.jpg\",\"datePublished\":\"2026-07-27T15:10:13+00:00\",\"dateModified\":\"2026-07-27T15:10:16+00:00\",\"description\":\"La Commission des services financiers (Financial Services Commission) introduira progressivement dans le secteur bancaire, \u00e0 partir de la fin du mois d'ao\u00fbt,...\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/thekoreantoday.com\\\/2026\\\/07\\\/28\\\/scb-un-systeme-de-notation-de-credit-dedie-aux-petits-commercants-sera-introduit-dans-16-banques-a-partir-de-fin-aout\\\/#breadcrumb\"},\"inLanguage\":\"ko-KR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/thekoreantoday.com\\\/2026\\\/07\\\/28\\\/scb-un-systeme-de-notation-de-credit-dedie-aux-petits-commercants-sera-introduit-dans-16-banques-a-partir-de-fin-aout\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ko-KR\",\"@id\":\"https:\\\/\\\/thekoreantoday.com\\\/2026\\\/07\\\/28\\\/scb-un-systeme-de-notation-de-credit-dedie-aux-petits-commercants-sera-introduit-dans-16-banques-a-partir-de-fin-aout\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.thekorean.today\\\/imgdata\\\/smilestory_kr\\\/202607\\\/2026072739436072.jpg\",\"contentUrl\":\"https:\\\/\\\/www.thekorean.today\\\/imgdata\\\/smilestory_kr\\\/202607\\\/2026072739436072.jpg\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/thekoreantoday.com\\\/2026\\\/07\\\/28\\\/scb-un-systeme-de-notation-de-credit-dedie-aux-petits-commercants-sera-introduit-dans-16-banques-a-partir-de-fin-aout\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"\ud648\",\"item\":\"https:\\\/\\\/thekoreantoday.com\\\/dongdaemun\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"SCB, un syst\u00e8me de notation de cr\u00e9dit d\u00e9di\u00e9 aux petits commer\u00e7ants, sera introduit dans 16 banques \u00e0 partir de fin ao\u00fbt\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/thekoreantoday.com\\\/dongdaemun\\\/#website\",\"url\":\"https:\\\/\\\/thekoreantoday.com\\\/\",\"name\":\"\ucf54\ub9ac\uc548\ud22c\ub370\uc774 \ub3d9\ub300\ubb38\",\"description\":\"\ub3d9\ub300\ubb38\uc758 \ucd5c\uc2e0 \uc885\ud569 \ub274\uc2a4\uc640 \uc815\ubcf4\",\"publisher\":{\"@id\":\"https:\\\/\\\/thekoreantoday.com\\\/dongdaemun\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/thekoreantoday.com\\\/dongdaemun\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ko-KR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/thekoreantoday.com\\\/dongdaemun\\\/#organization\",\"name\":\"\ucf54\ub9ac\uc548\ud22c\ub370\uc774 \ub3d9\ub300\ubb38\",\"url\":\"https:\\\/\\\/thekoreantoday.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ko-KR\",\"@id\":\"https:\\\/\\\/thekoreantoday.com\\\/dongdaemun\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/thekoreantoday.com\\\/dongdaemun\\\/wp-content\\\/uploads\\\/sites\\\/152\\\/2025\\\/01\\\/cropped-\ub3d9\ub300\ubb38-1.png?v=1736395086\",\"contentUrl\":\"https:\\\/\\\/thekoreantoday.com\\\/dongdaemun\\\/wp-content\\\/uploads\\\/sites\\\/152\\\/2025\\\/01\\\/cropped-\ub3d9\ub300\ubb38-1.png?v=1736395086\",\"width\":855,\"height\":171,\"caption\":\"\ucf54\ub9ac\uc548\ud22c\ub370\uc774 \ub3d9\ub300\ubb38\"},\"image\":{\"@id\":\"https:\\\/\\\/thekoreantoday.com\\\/dongdaemun\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/thekoreantoday.com\\\/dongdaemun\\\/#\\\/schema\\\/person\\\/203aceeb1553c7a586f5dc7e5cd222be\",\"name\":\"\ucf54\ub9ac\uc548\ud22c\ub370\uc774 \ub3d9\ub300\ubb38\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ko-KR\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/36e0b9275bcf935dca776e955ba746998b5980dbcea164c056d904481d694191?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/36e0b9275bcf935dca776e955ba746998b5980dbcea164c056d904481d694191?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/36e0b9275bcf935dca776e955ba746998b5980dbcea164c056d904481d694191?s=96&d=mm&r=g\",\"caption\":\"\ucf54\ub9ac\uc548\ud22c\ub370\uc774 \ub3d9\ub300\ubb38\"},\"url\":\"https:\\\/\\\/thekoreantoday.com\\\/dongdaemun\\\/author\\\/koreantoday_dongdaemun\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"SCB, un syst\u00e8me de notation de cr\u00e9dit d\u00e9di\u00e9 aux petits ... - \ucf54\ub9ac\uc548\ud22c\ub370\uc774","description":"La Commission des services financiers (Financial Services Commission) introduira progressivement dans le secteur bancaire, \u00e0 partir de la fin du mois d'ao\u00fbt,...","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/thekoreantoday.com\/2026\/07\/28\/scb-un-systeme-de-notation-de-credit-dedie-aux-petits-commercants-sera-introduit-dans-16-banques-a-partir-de-fin-aout\/","og_locale":"ko_KR","og_type":"article","og_title":"SCB, un syst\u00e8me de notation de cr\u00e9dit d\u00e9di\u00e9 aux petits ... - \ucf54\ub9ac\uc548\ud22c\ub370\uc774","og_description":"La Commission des services financiers (Financial Services Commission) introduira progressivement dans le secteur bancaire, \u00e0 partir de la fin du mois d'ao\u00fbt,...","og_url":"https:\/\/thekoreantoday.com\/2026\/07\/28\/scb-un-systeme-de-notation-de-credit-dedie-aux-petits-commercants-sera-introduit-dans-16-banques-a-partir-de-fin-aout\/","og_site_name":"\ucf54\ub9ac\uc548\ud22c\ub370\uc774 \ub3d9\ub300\ubb38","article_published_time":"2026-07-27T15:10:13+00:00","article_modified_time":"2026-07-27T15:10:16+00:00","og_image":[{"url":"https:\/\/www.thekorean.today\/imgdata\/smilestory_kr\/202607\/2026072739436072.jpg","type":"","width":"","height":""}],"author":"\ucf54\ub9ac\uc548\ud22c\ub370\uc774 \ub3d9\ub300\ubb38","twitter_card":"summary_large_image","twitter_image":"https:\/\/www.thekorean.today\/imgdata\/smilestory_kr\/202607\/2026072739436072.jpg","twitter_misc":{"\uae00\uc4f4\uc774":"\ucf54\ub9ac\uc548\ud22c\ub370\uc774 \ub3d9\ub300\ubb38","\uc608\uc0c1 \ub418\ub294 \ud310\ub3c5 \uc2dc\uac04":"6\ubd84"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/thekoreantoday.com\/2026\/07\/28\/scb-un-systeme-de-notation-de-credit-dedie-aux-petits-commercants-sera-introduit-dans-16-banques-a-partir-de-fin-aout\/#article","isPartOf":{"@id":"https:\/\/thekoreantoday.com\/dongdaemun\/2026\/07\/28\/scb-un-systeme-de-notation-de-credit-dedie-aux-petits-commercants-sera-introduit-dans-16-banques-a-partir-de-fin-aout\/"},"author":{"name":"\ucf54\ub9ac\uc548\ud22c\ub370\uc774 \ub3d9\ub300\ubb38","@id":"https:\/\/thekoreantoday.com\/dongdaemun\/#\/schema\/person\/203aceeb1553c7a586f5dc7e5cd222be"},"headline":"SCB, un syst\u00e8me de notation de cr\u00e9dit d\u00e9di\u00e9 aux petits commer\u00e7ants, sera introduit dans 16 banques \u00e0 partir de fin ao\u00fbt","datePublished":"2026-07-27T15:10:13+00:00","dateModified":"2026-07-27T15:10:16+00:00","mainEntityOfPage":{"@id":"https:\/\/thekoreantoday.com\/dongdaemun\/2026\/07\/28\/scb-un-systeme-de-notation-de-credit-dedie-aux-petits-commercants-sera-introduit-dans-16-banques-a-partir-de-fin-aout\/"},"wordCount":1229,"commentCount":0,"publisher":{"@id":"https:\/\/thekoreantoday.com\/dongdaemun\/#organization"},"image":{"@id":"https:\/\/thekoreantoday.com\/2026\/07\/28\/scb-un-systeme-de-notation-de-credit-dedie-aux-petits-commercants-sera-introduit-dans-16-banques-a-partir-de-fin-aout\/#primaryimage"},"thumbnailUrl":"https:\/\/www.thekorean.today\/imgdata\/smilestory_kr\/202607\/2026072739436072.jpg","keywords":["\ucf54\ub9ac\uc548\ud22c\ub370\uc774 \ub3d9\ub300\ubb38"],"articleSection":["\uacbd\uc81c"],"inLanguage":"ko-KR","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/thekoreantoday.com\/2026\/07\/28\/scb-un-systeme-de-notation-de-credit-dedie-aux-petits-commercants-sera-introduit-dans-16-banques-a-partir-de-fin-aout\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/thekoreantoday.com\/dongdaemun\/2026\/07\/28\/scb-un-systeme-de-notation-de-credit-dedie-aux-petits-commercants-sera-introduit-dans-16-banques-a-partir-de-fin-aout\/","url":"https:\/\/thekoreantoday.com\/2026\/07\/28\/scb-un-systeme-de-notation-de-credit-dedie-aux-petits-commercants-sera-introduit-dans-16-banques-a-partir-de-fin-aout\/","name":"SCB, un syst\u00e8me de notation de cr\u00e9dit d\u00e9di\u00e9 aux petits ... - \ucf54\ub9ac\uc548\ud22c\ub370\uc774","isPartOf":{"@id":"https:\/\/thekoreantoday.com\/dongdaemun\/#website"},"primaryImageOfPage":{"@id":"https:\/\/thekoreantoday.com\/2026\/07\/28\/scb-un-systeme-de-notation-de-credit-dedie-aux-petits-commercants-sera-introduit-dans-16-banques-a-partir-de-fin-aout\/#primaryimage"},"image":{"@id":"https:\/\/thekoreantoday.com\/2026\/07\/28\/scb-un-systeme-de-notation-de-credit-dedie-aux-petits-commercants-sera-introduit-dans-16-banques-a-partir-de-fin-aout\/#primaryimage"},"thumbnailUrl":"https:\/\/www.thekorean.today\/imgdata\/smilestory_kr\/202607\/2026072739436072.jpg","datePublished":"2026-07-27T15:10:13+00:00","dateModified":"2026-07-27T15:10:16+00:00","description":"La Commission des services financiers (Financial Services Commission) introduira progressivement dans le secteur bancaire, \u00e0 partir de la fin du mois d'ao\u00fbt,...","breadcrumb":{"@id":"https:\/\/thekoreantoday.com\/2026\/07\/28\/scb-un-systeme-de-notation-de-credit-dedie-aux-petits-commercants-sera-introduit-dans-16-banques-a-partir-de-fin-aout\/#breadcrumb"},"inLanguage":"ko-KR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/thekoreantoday.com\/2026\/07\/28\/scb-un-systeme-de-notation-de-credit-dedie-aux-petits-commercants-sera-introduit-dans-16-banques-a-partir-de-fin-aout\/"]}]},{"@type":"ImageObject","inLanguage":"ko-KR","@id":"https:\/\/thekoreantoday.com\/2026\/07\/28\/scb-un-systeme-de-notation-de-credit-dedie-aux-petits-commercants-sera-introduit-dans-16-banques-a-partir-de-fin-aout\/#primaryimage","url":"https:\/\/www.thekorean.today\/imgdata\/smilestory_kr\/202607\/2026072739436072.jpg","contentUrl":"https:\/\/www.thekorean.today\/imgdata\/smilestory_kr\/202607\/2026072739436072.jpg"},{"@type":"BreadcrumbList","@id":"https:\/\/thekoreantoday.com\/2026\/07\/28\/scb-un-systeme-de-notation-de-credit-dedie-aux-petits-commercants-sera-introduit-dans-16-banques-a-partir-de-fin-aout\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"\ud648","item":"https:\/\/thekoreantoday.com\/dongdaemun\/"},{"@type":"ListItem","position":2,"name":"SCB, un syst\u00e8me de notation de cr\u00e9dit d\u00e9di\u00e9 aux petits commer\u00e7ants, sera introduit dans 16 banques \u00e0 partir de fin ao\u00fbt"}]},{"@type":"WebSite","@id":"https:\/\/thekoreantoday.com\/dongdaemun\/#website","url":"https:\/\/thekoreantoday.com\/","name":"\ucf54\ub9ac\uc548\ud22c\ub370\uc774 \ub3d9\ub300\ubb38","description":"\ub3d9\ub300\ubb38\uc758 \ucd5c\uc2e0 \uc885\ud569 \ub274\uc2a4\uc640 \uc815\ubcf4","publisher":{"@id":"https:\/\/thekoreantoday.com\/dongdaemun\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/thekoreantoday.com\/dongdaemun\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ko-KR"},{"@type":"Organization","@id":"https:\/\/thekoreantoday.com\/dongdaemun\/#organization","name":"\ucf54\ub9ac\uc548\ud22c\ub370\uc774 \ub3d9\ub300\ubb38","url":"https:\/\/thekoreantoday.com\/","logo":{"@type":"ImageObject","inLanguage":"ko-KR","@id":"https:\/\/thekoreantoday.com\/dongdaemun\/#\/schema\/logo\/image\/","url":"https:\/\/thekoreantoday.com\/dongdaemun\/wp-content\/uploads\/sites\/152\/2025\/01\/cropped-\ub3d9\ub300\ubb38-1.png?v=1736395086","contentUrl":"https:\/\/thekoreantoday.com\/dongdaemun\/wp-content\/uploads\/sites\/152\/2025\/01\/cropped-\ub3d9\ub300\ubb38-1.png?v=1736395086","width":855,"height":171,"caption":"\ucf54\ub9ac\uc548\ud22c\ub370\uc774 \ub3d9\ub300\ubb38"},"image":{"@id":"https:\/\/thekoreantoday.com\/dongdaemun\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/thekoreantoday.com\/dongdaemun\/#\/schema\/person\/203aceeb1553c7a586f5dc7e5cd222be","name":"\ucf54\ub9ac\uc548\ud22c\ub370\uc774 \ub3d9\ub300\ubb38","image":{"@type":"ImageObject","inLanguage":"ko-KR","@id":"https:\/\/secure.gravatar.com\/avatar\/36e0b9275bcf935dca776e955ba746998b5980dbcea164c056d904481d694191?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/36e0b9275bcf935dca776e955ba746998b5980dbcea164c056d904481d694191?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/36e0b9275bcf935dca776e955ba746998b5980dbcea164c056d904481d694191?s=96&d=mm&r=g","caption":"\ucf54\ub9ac\uc548\ud22c\ub370\uc774 \ub3d9\ub300\ubb38"},"url":"https:\/\/thekoreantoday.com\/dongdaemun\/author\/koreantoday_dongdaemun\/"}]}},"_links":{"self":[{"href":"https:\/\/thekoreantoday.com\/dongdaemun\/wp-json\/wp\/v2\/posts\/124739","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/thekoreantoday.com\/dongdaemun\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/thekoreantoday.com\/dongdaemun\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/thekoreantoday.com\/dongdaemun\/wp-json\/wp\/v2\/users\/160"}],"replies":[{"embeddable":true,"href":"https:\/\/thekoreantoday.com\/dongdaemun\/wp-json\/wp\/v2\/comments?post=124739"}],"version-history":[{"count":1,"href":"https:\/\/thekoreantoday.com\/dongdaemun\/wp-json\/wp\/v2\/posts\/124739\/revisions"}],"predecessor-version":[{"id":124742,"href":"https:\/\/thekoreantoday.com\/dongdaemun\/wp-json\/wp\/v2\/posts\/124739\/revisions\/124742"}],"wp:attachment":[{"href":"https:\/\/thekoreantoday.com\/dongdaemun\/wp-json\/wp\/v2\/media?parent=124739"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thekoreantoday.com\/dongdaemun\/wp-json\/wp\/v2\/categories?post=124739"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thekoreantoday.com\/dongdaemun\/wp-json\/wp\/v2\/tags?post=124739"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}