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