https://www.youngju.dev/blog 천천히 올바르게. AI Researcher & DevOps Engineer Youngju's tech blog. GPU/CUDA, LLM, MLOps, Kubernetes AI workloads, distributed training, and data engineering. ko fjvbn2003@gmail.com (Youngju Kim) fjvbn2003@gmail.com (Youngju Kim) Sat, 13 Jun 2026 00:00:00 GMT https://www.youngju.dev/blog/finance/2026-06-13-lending-system-loan-origination-architecture.en https://www.youngju.dev/blog/finance/2026-06-13-lending-system-loan-origination-architecture.en A deep dive into the overall architecture of lending systems at banks, card issuers, and capital companies, centered on the LOS (Loan Origination System). We walk through the pipeline from application to underwriting, approval, agreement, and disbursement, plus limit management, collateral management, pricing, external integrations, and state machine design from a practitioner viewpoint. Sat, 13 Jun 2026 00:00:00 GMT fjvbn2003@gmail.com (Youngju Kim) lendinglosloan-originationcore-bankingfintecharchitecture https://www.youngju.dev/blog/finance/2026-06-13-lending-system-loan-origination-architecture.ja https://www.youngju.dev/blog/finance/2026-06-13-lending-system-loan-origination-architecture.ja 銀行・カード・キャピタル各社の与信システム全体像をLOS(Loan Origination System)を中心に解剖します。申込から審査、承認、約定、実行(記帳)までのパイプラインと、限度額管理、担保管理、金利算出、外部機関連携、ステートマシン設計までを実務の視点で整理します。 Sat, 13 Jun 2026 00:00:00 GMT fjvbn2003@gmail.com (Youngju Kim) lendinglosloan-originationcore-bankingfintecharchitecture https://www.youngju.dev/blog/finance/2026-06-13-lending-system-loan-origination-architecture https://www.youngju.dev/blog/finance/2026-06-13-lending-system-loan-origination-architecture 은행/카드/캐피탈의 여신 시스템 전체 구조를 LOS(Loan Origination System) 중심으로 해부합니다. 신청부터 심사, 승인, 약정, 실행(기표)까지의 파이프라인과 한도 관리, 담보 관리, 금리 산출, 외부 기관 연동, 상태 머신 설계까지 실무 관점에서 정리합니다. Sat, 13 Jun 2026 00:00:00 GMT fjvbn2003@gmail.com (Youngju Kim) lendinglosloan-originationcore-bankingfintecharchitecture https://www.youngju.dev/blog/finance/2026-06-13-loan-servicing-delinquency-npl-systems.en https://www.youngju.dev/blog/finance/2026-06-13-loan-servicing-delinquency-npl-systems.en A tour of the world after loan disbursement. We cover repayment schedule generation (equal installment, equal principal, bullet), payment and prepayment processing, delinquency bucket transitions and overdue interest calculation, acceleration of maturity, asset quality classification and IFRS 9 expected credit loss provisioning, collection systems and regulatory compliance, NPL write-off and sale, debt restructuring, plus the data model and batch design — all from a practitioner viewpoint. Sat, 13 Jun 2026 00:00:00 GMT fjvbn2003@gmail.com (Youngju Kim) lendingloan-servicingdelinquencynplifrs9core-bankingfintech https://www.youngju.dev/blog/finance/2026-06-13-loan-servicing-delinquency-npl-systems.ja https://www.youngju.dev/blog/finance/2026-06-13-loan-servicing-delinquency-npl-systems.ja ローン実行以後の世界を扱います。返済スケジュール生成(元利均等/元金均等/期日一括)、返済・繰上返済の処理、延滞バケットの遷移と延滞利息の計算、期限の利益喪失、資産健全性分類とIFRS 9予想信用損失の引当、督促・回収システムと規制遵守、NPLの償却・売却、債務調整の反映、データモデルとバッチ設計までを実務の視点で整理します。 Sat, 13 Jun 2026 00:00:00 GMT fjvbn2003@gmail.com (Youngju Kim) lendingloan-servicingdelinquencynplifrs9core-bankingfintech https://www.youngju.dev/blog/finance/2026-06-13-loan-servicing-delinquency-npl-systems https://www.youngju.dev/blog/finance/2026-06-13-loan-servicing-delinquency-npl-systems 대출 실행 이후의 세계를 다룹니다. 상환 스케줄 생성(원리금균등/원금균등/만기일시), 상환·중도상환 처리, 연체 단계 전이와 연체이자 계산, 기한이익상실, 자산건전성 분류와 IFRS 9 기대신용손실 충당금, 추심 시스템과 규제 준수, NPL 매각·상각, 채무조정 반영, 데이터 모델과 배치 설계까지 실무 관점에서 정리합니다. Sat, 13 Jun 2026 00:00:00 GMT fjvbn2003@gmail.com (Youngju Kim) lendingloan-servicingdelinquencynplifrs9core-bankingfintech