전자문서지갑과 전자증명서를 이용한 비대면 주택담보대출 도입에 관한 연구

This study reviews the changes in the filing method of the financial services market brought by the electronic certificate introduced in the Korean government's 'Digital Government Innovation Promotion Plan' recently announced (October 29, 2019). The Korean government is carrying out the 'Issuance of Electronic Certificate Issuance and Distribution System' project to create an electronic document wallet that can be installed on a smartphone. By using the electronic document wallet, citizens can obtain and distribute various electronic certificates online in real-time without visiting government offices or banks. The Ministry of the Interior and Safety expected the quantitative effect of approximately KRW 5 trillion over the next five years due to the introduction of the electronic certificate method. A civil administration based on electronic certificates can handle all tasks with smartphones without paper document generation and distribution compared to current 'Issuance of Internet-based Certificates' and 'Public Information Sharing.'. In addition, the electronic certificate method is very efficient because it can manage the certificate information as meta information (XML) and use it for work. According to the statistics, 92.8% of the citizens use civil services to view and issue Civil Certificates, and 37.1% of the Civil Certificates are submitted to financial institutes. In this context, this study focuses on the 'non-face-to-face mortgage loan' business, which is most likely to benefit by the introduction of 'Electronic Certificate' among financial services, and presented the functional development scope of 'Smart Banking Mobile Application' and 'Electronic Certificate Receiving Server' using the Electronic Certificate APIs. In addition, this study explains electronic processing of paper-based certificates, alternatives to structural problems in which applications and certificates are submitted separately, format conversion for internal use by financial institutions, verification of the integrity of Electronic Certificates in Internet-blocked networks, the collection structure to solve the N:1 structure between citizen and government agencies (or citizens and government agency) and the necessity of releasing the roadmap for the creation of the Electronic Certificate eco-system. Lastly, the study suggests the introduction of a 'Certificate Group Application' function for the convenience of users and proposes renaming the ‘Electronic Certificate’ to the 'Electronic Civil Certificate' in consideration of the overlap with the name of the Electronic Certificate specified in other laws.