‘황희 정승 납거미 유언’ 설화 고찰

황인덕 ( In-deok Hwang ) 충남대학교 인문과학연구소 2018 인문학연구 Vol.57 No.1

알려져 있듯 황희는 정승을 지낸 조선 초기 명인의 한 사람이다. 다수일반인들에게 그는 주로 ‘황희 황정승’으로 이름과 직위가 병칭되어 불리어오곤 했는데, 이는 그의 이름이 오래 전에 이미 애칭화되어 후대까지 널리 불려왔다는 뜻이다. 우리나라 역대 정승을 거친 수많은 훌륭한 인물가운데, 그 직위에 요구되는 역할을 가장 충실하게 실현함으로써 그 존재가 거의 ‘정승’의 대명사처럼 기억되어온 결과라 하겠다. 황정승이 조선조전 시대를 대표하는 명 정승으로 알려져온 것에 부합하여, 그에 대하여 구전되어온 설화 또한 그 폭과 깊이가 넓고 깊게 실현되고 있다. 한 인물이 남긴 설화가 대략 주인공이 지닌 인품, 생애, 시대, 업적 등의 조건에 비례한다면, 황정승이 남긴 설화의 다양성도 대략 그러한 조건들이 예사인물과는 다른 결과라고 할 수 있다. 이 글은 위 인물에 대하여 <공작이도 납거미를 먹고 살랴>라는 하나의 유형을 집중적으로 고찰하였다. 주요 내용은 다음과 같다. 첫째, 위 설화의 유형은 크게는 하나, 작게는 세개의 유형으로 나뉘고 있다. 둘째, 위 설화가 형성된 화소의 원천은 ‘고려장 설화’와 ‘공작이도 납거미를 먹고 살랴’라는 전래 속담이며, 이 두 가지 요소가 하필 황정승을 대상 인물로 하여 새로운 설화를 이룬 것은 나말여초 중국과 조선의 국제관계와 그 속에서 황정승이 수행한 역할과 위상이 반영된 결과이다. 셋째, 설화를 통한 인물 형상의 특징은 청렴상을 통한 민담성의 강화에 있으며, 특히 비범한 능력을 발휘하여 청렴을 실천하는 인물상의 구현은 황정승의 투철한 애민정신을 반영한 결과라 할 수 있다. 넷째, 황정승 설화는 여말 선초를 지나 조선 초기 국운 상승기의 인물담을 대표적으로 보여주며, 그로 인하여 설화 속의 인물상이 한결같이 긍정적인 모습으로만 나타난다. As we all know, Hwang Hee was a renowned minister in the early period of Joseon dynasty. The fact that he has been mainly called both by name and position as ‘the minister Hwang’ means he was already given a nickname a long time ago. He has been remembered as a representative of ministers existed in the history as he carried out his duties the most faithfully among the numbers of past outstanding ministers in the country. In accordance with his reputation as a devoted minister throughout the whole dynasty of Joseon, his fictional image was embodied with great wide and depth. If the tales Hwang Hee left behind depended on the conditions such as his personality, his life, the period and his achievement, a variety of his tales would seem to approximately result from those different conditions from those of others. This paper concentrates on his tale < Apeacocklivesonflatspiders > only. The contents are as below. First, the above-mentioned tale might be broadly divided into a type, or into three types in detail. Second, a subject matter of this tale is derived from folk tales about ‘Goryeojang’ and ‘A peacock lives on flat spiders’. A new tale about Hwang Hee which has been invented reflects on the international relationship of Joseon with China, and the role and position he played in the late period of Goryeo dynasty and the early period of Joseon dynasty. Third, a characteristic of the hero in the tale depends on the strengthening his integrity, which displays Hwang Hee’s strong love for the people by showing his exceptional ability to perform for them. Fourth, the tale of Hwang Hee represents a tale of the great man in the history when the country was in the ascendant in the early period of Joseon from the late Goryeo and the early Joseon. Therefore, he was displayed as a positive character in the tales.

청주 ‘압각수(鴨脚樹)’ 전설의 전승력과 ‘홍수’화소의 지역성

황인덕(In-deok, Hwang) 어문연구학회 2008 어문연구 Vol.58 No.-

There is an old ginkoo thee called 'Apgaksu'(鴨脚樹) in Jungang Park in Cheongju city in Chungbuk Province. This tree is closely related to historical events during tumultuous periods from the late Goryeo Dynasty to the early Joseon Dynasty and there is a legend about times . This papwe aims at examining periodical difference in literature on the Apgak-tree legend, specifically noting the localization of this legend. The Apgak-tree legend is a historical legend in terms of its historical importance, a character legend in terms of the importance of the characters, a historical relic legend in terms of the importance of the object, and a tree legend in terms of the importance of the tree itself. The various characteristics of this tree show that the documents of the legends on this tree are related to history, culture and nature although they are hidden. Although documents on this legend tell a single story, there is much grave evidence behind it. At the same time, this legend started as a local legend. Local specific historical events were reported to the central government for recoding, and a single charcter story emerged. Finally it became of historical interest. However, its root is based in a historical event that happened in a specific local area to a specific object. Because of the importance of the event and character, this legend expanded. But it is originally based on a local legend about a tree. This paper focuses on the influential power of this legend and specifically, its endemism as a local legend. Also, a 'flooding' motif is important as a root of the Apgaksu legend. Since geographically Cheongju City is located on the upper part of a river, it experienced a lot of major flooding damage. The legend has been handed down from generation to generation and repetitive flooding experiences influenced the creation of this legend as powerful folklore. Therefore, this legend indicates that natural conditions, flooding and events of the Mushim-river(無心川) in Cheongju city formed an inevitable chain of events. It is the main goal of this paper to examine the local natural conditions through legend by demonstrating the originality of this legend as specifically local legend. I hope this paper will help bring understanding to legends that emphasize local characteristics.

전설로 구현된 송구봉의 인물상과 그 의의

황인덕 ( In Deok Hwang ) 충남대학교 인문과학연구소 2015 인문학연구 Vol.54 No.4

이 글은 조선 중기 도학자였던 구봉(龜峰) 송익필(宋翼弼)에 대한 전설을 연구한 것이다. 본고에서 주로 다룬 내용은 다음과 같다. (1) 이제까지 구봉에 대한 설화 연구가 가해지지 않았음을 유의하여 관련된 전설 각편(version)을 두루 모으고, 이들 자료를 몇 가지 유형으로 구분하였다. (2) 구봉 전설의 부류별 양상을 볼 때, 대략 구봉의 인물됨이나 행적가운데 사실성이 강한 일화 중심의 부류, 이와는 반대되는 허구적 표현이 두드러진 부류, 특정 지역을 중심으로 역사적 위인으로 형상화된 전설 부류, 그리고 시와 관련된 부류로 구분할 수 있다. (3) ‘일화류’ 전설에서 부각된 송구봉 인물상은 크게 사실성이 중심을 이룬 것과 허구적 표현이 실현된 것 두 가지로 나눌 수 있다. 사실성이 중심을 이룬 것은 구전자료와 문헌자료에 두루 나타나며, 허구적 표현이 강한 것은 구전자료에서 주로 나타난다. (4) 구봉 전설에서 허구적이고 과장된 표현의 절정은 현실문제와 관련하여, 더 구체적으로는 임진왜란이라는 전쟁과 관련하여 이루어지고 있다. 이들 유형군의 성립과 전승은 구봉전설이 일반 상민층으로 점점 확대되어 나간 것과 궤적을 함께 한 것으로 볼 수 있다. (5) ‘허구적 구봉 전설’의 특징은 구봉이 임란 이후 구전 설화로써 형성된 여러 영웅적 인물 가운데 ‘최고’ 수준으로 형상화되고 있는 점이다. 임진란에 참여한 바도 없는 그가 이처럼 무비의 영웅으로 표현되고 있음은 그의 타고난 장재(將才)를 바탕으로 하여, 여기에 임진란을 경험한 당시 상민들의 인물을 갈망하는 절박한 소망이 깊이 반영된 결과이다. 이점이 전체 구봉전설의 가장 중요한 특징이자 역사적 의의이다. This study is a review of the legend of Kubong Song Ikpil(宋翼弼), a Confucius scholar of the 16th-century Joseon Dynasty. The main points of this study are as follows. (1) Even with little previous research into the legend of Kubong, relevant versions of the legend were collected and classified into several types. (2) These versions can be classified roughly as follows: ones containing episodes featuring a heightened sense of reality, ones enriched with fictional elements, regional ones in which Kubong is depicted as a historical figure, and ones interspersed with poetry. (3) In the ``episode-type`` versions, Song Kubong is portrayed in two different ways: as a real person and as a fictional character. Reality-oriented versions are found across both oral and written literature, while fictional versions are found only in oral literature. (4) The peaks of the fictional and exaggerated narration of the Kubong legend are closely related to harsh realities, specifically, to the Japanese invasion of Korea in 1592. The formation and transmission of such a version occurred in parallel with the spread of the Kubong legend among the common people. (5) The ‘fictional`` versions of the Kubong legend feature the depiction of Kubong as an epic hero. This is a reflection of the consciousness and desperate desires of the common people who experienced the Japanese invasion of Korea in 1592. This is the most remarkable aspect and historical significance of the Kubong legend.

성주산 모란형 명당 관련 이토정 전설 고찰

황인덕(Whang In deok) 어문연구학회 2016 어문연구 Vol.89 No.-

이토정은 넓은지역, 다양한 유형의 전설을 낳은한국의대표적인 역사적 인물이다. 성주산은 한 지역의 명산이면서 모란형 명당 전설로도 알려져 왔다. 이 글은 성주산 모란형산의실체를확인하고, 이산에대한과거의관심이어떻게있어왔는지를살핀뒤, 이토정 전설로 전환된 모란명당 전설의 유형성과 인물상의 특징을 이해해 보고자 한 것이다. 성주산에 모란형 명당이 있다는 상상은 성주산의 일부가 꽃처럼 생긴 데에서 발단되었다. 이러한상호유사성을처음알게된것은아주오래전이었을것이다. 처음에는다만꽃과의유사성만 주목했을 것이다. 그리고 그것은 發牧丹(핀 모란)으로 불렸을 것이다. 그러다가 더 후대에 이르러 명당관념이 더욱 유행하면서 ‘발모란’이 ‘八牧丹’으로 와전되었을 것이다. 그리하여 조선 후기에 이르면서 명당관념이 만연하면서, 모란명당의 실체는 모호한 채 이름만 분분하게 많은 담설을 낳게 되었을 것이다. 그리하여 마침내 성주산 일대에, 그리고 심지어 성주산 영역을 넘는 곳까지 팔모란 전설이 넓게 확산되었다고 할 수 있다. 성주산 모란명당 관련 이토정 전설에 나타나는 인물상의 중심은 명당 잡기에 ‘실패’한유형이다. 이토정이명풍수인물상으로나타날것이라는피상적기대와는 완전히 다른모습이다. 이는 대략 풍수적 측면과 역사적 측면 두 가지 각도에서 이유를 설명할 수 있다. Yi To-jung is significant representative figure who had written various types of folk tales describing a wide range of in Korean history. Mt. Sungju is a mountain famous for its Moran propitious site tale. This paper tries to take an in-depth study on Moran type at Mt. Sungju and previous this mountain. Also this paper examines the typicality and the significance of characters in Moran propitious site tale which had been diverted to the folk tale of Yi To-jung. The Moran propitious site in Mt. Sungju originated from a flower shaped land at Mt. Sungju. had been a long time since first the between. At first, the similarity with the to as BalMoran. Then the concept propitious became popular BalMoran was as PalMoran the concept propitious sites had widespread in the late Joseon dynasty. This made the of Moran propitious site ambiguous and it resulted in imprecise, the folk tale of PalMoran spread around Mt. Sungju area. The from the folk tale of Yi To-jung related to Moran propitious site at Mt. Sungju failed in for propitious sites. is totally different from with Yi To-jung might be appropriate for Fengshui could be explained historical.

신용평가정보와 기업의 단기자금 조달방식 선택

황인덕(In-Deok Hwang),정병욱(Byung-Uk Chong) 대한경영학회 2014 大韓經營學會誌 Vol.27 No.3

아계(鵝溪) 사행몽교탄생(使行夢交誕生) 담 연구

황인덕(Hwang In-deok) 충남대학교 충청문화연구소 2010 충청문화연구 Vol.5 No.-

Lee, San-hae [1538-1609} was the personality equipped with talented gifts, and he was a dignitary in charge of Yeonguijeong in the period of the Joseon Dynasty. There exist several legends of figures relevant to him which have been orally transmitted to these days. This writing is on the one of the legends. This story is about "Sahaengmonggyotansaeng" in which the father of Lee, San-hae was sent to China as an envoy, where he lay with his wife and begot a son in his dream. This story type has a lot more versions in comparison with other types related to Lee, San-hae. This explains why this legend has gained lots of attention from the public. The above mentioned legend dates back to Seong, Mong-jeong[1471-1517] ahead of Lee, San-hae. It could be the result of the figure story in the precedent period being pulled by a more famous figure in the following period. However, there exists a difference in these two stories. There still remains a vestige of mythical motif in Seongmongjeong story, which means that the Seongmongjeong story has been orally transmitted to this period while assuming strongly a meaning of "A Great Man who put his family in the map" in the socio-cultural background where the tradition of one's family was much valued. However, the Lee, San-hae Story has been able to be imagined and remembered easily to the general public by virtue of the level of awareness of a figure, and peculiarity of the figure's name-i.e. consistency of the name Lee, San-hae with the place name "Sanhae'gwan." By this, it could be concluded that Lee, Sanhae legend, though it is the same type story, has been orally transmitted to this period while taking on more intriguing quality and popularity. However, the more important difference lies in another. In short, in the legend by Lee, San-hae, there clearly appear the narrative elements such as 'Shadowlessness', 'Bonelessness' and 'Transformed into water as soon as he died.' This could be the result of the general public's consciousness of criticism against his political weakness being strongly reflected. His responsible role in history was big, so such criticism was strongly levelled at Lee, San-hae. This is a natural consequence.

토정 이지함의 과욕(寡慾) 사상과 관련 전설 고찰

황인덕(Hwang, In-deok) 충남대학교 충청문화연구소 2013 충청문화연구 Vol.10 No.-

The purpose of this study was to understand To-Jung Lee(李土亭), Ji-Hham’(之?)s spirit of desire-suppressing by connecting it with a variety of legends where the spirit was manifested. Including the spirit of desire-suppressing, he emphasized and also practiced several ideas and theories in his life. Among them, specially, he created a theory of desire-suppressing. Also, responding to the theory, unique legends have been left behind his theory, which allowed investigating the connection between them further in this study. To-Jung had been known for his desire-suppressing disposition since his early childhood. In specific, what he had practiced in his life was featured in many different areas such as suppressing his selfish interests and desires, devoting himself to charities, helping his disciples, and carrying out his duty as a governor. As this was admitted by his close friends, he was deeply respected by his disciples. In addition, the clue of a theory of desire-suppressing To-Jung held was basically based on Menciu(孟子)s’ one. To-Jung’s theory was, however, even more thorough than Mencius’ one as it was often called ‘a theory of no-selfish-interests-and-desire’. In fact, his theory emphasized faithfulness and infinity inside, while infinity of practice on the external surface, which made his theory very unique and special. The characters expressed in the legends were featured as two distinctive images. The first character was a governor lecturing his subordinates and the second was a person on whom one’s family background was reflected. In specific, the former was connected with specific geographical region, with more features which could be found in local legends, while the latter occurred from the reflection of To-Jung’s and A-Gye Lee(李鵝溪), San-Hae(山海)’s family background, with more features on the character and its family background. Regardless of the types of the two, either type focused on person or one focused on family, it was common that they were based on To-Jung’s specific behavior and his experience. Other than most of other legends about To-Jung’s spirit of desire-suppressing, there was a different version saying that he had one desire, whose figurational expression was able to be made because his desire was far from no-desire as a perfect altruism. For example, his filial behavior of building a tomb in a propitious site for his parents can be a reflection resulting from the general public’s point of view, regarding the behavior as far from perfect filing behavior without realizing it purposely.

충청 일부지역 유소녀 윷놀이 방식 소고

황인덕(Hwang, In Deok) 충남대학교 충청문화연구소 2020 충청문화연구 Vol.24 No.-

이 글은 한국의 대표적인 민속놀이 가운데 하나인 윷놀이를 다룬 것이다. 한국에는 29점으로 된 점수판 위에서 점수를 따지며 노는 윷놀이가 전국적으로 행해지고 있다. 이것이 남녀 누구나 노는 가장 보편적인 윷놀이다. 그런데 이와는 다르게 어린 소녀나 처녀들이 주로 하는 윷놀이도 있다. 이것은 일반적인 윷놀이보다 간략하고 단순한 방식으로 놀아진다. 이 글은 이 놀이에 대하여 일부 충청지역을 조사 대상으로 하여 놀이의 방식과 특징을 살펴본 것이다. 이 놀이의 주요 특징은 다음과 같다. 첫째, 위 놀이의 방식은 ‘겨루기성 놀이’에다 ‘손재간으로 묘기를 부리는 놀이’가 더해진, 두 가지가 복합된 성격을 띠고 있다. 둘째, 위 놀이는 앞 부분과 뒷 부분으로 이루어져, 서로 짝을 이루고 있다. 이 앞부분은 "진행"의 의미를 띠며, 뒷부분은 그것에 더해져 "완성"의 뜻을 띤다. 이 둘의 조합으로 위 윷놀이 각각의 과정은 완성이 된다. 셋째, 이들 두 구성 부분 가운데 "완성" 부분이 더 본질적이고 "지속적"인 의의를 지니고 있다. 넷째, 그러므로 이 지속성이 더 강한 본질적인 구성 부분이, 지속성이 상대적으로 약한 앞 부분의 기반이 되고 있고, 더 넓게 감싸는 위치에 있다. 그리고 이 때문에, 위 놀이의 후반부에서 두 요소의 결합은 느슨하게 실현되고 있다. 다섯째, 이 때문에 위 윷놀이 방식은 여러 지역에 따라 다른 방식을 보여줄 가능성이 늘 열려 있다. This article is about a Yutnori game, one of the most popular traditional games in Korea. In Korea, people all over the country play Yutnori on a scoreboard with 29 points. This is the most common way both men and women play. Meanwhile, there is another Yutnori, where young girls and virgins play in a different way. This is a simpler than a normal Yutnori. This article examines the style and characteristics of Yutnori played by young girls and virgins in some parts of Chungcheong provinces. The main features of this game are as follows. First, this is a game of competition and hand skills. Second, the game is made up of the front and back parts to pair up with each other. The front part means "progress" and the back part means "completion". The combination of these two completes each process of the game. Third, between the two compositions, "completion" is more essential and persistent. Fourth, therefore, this more essential and persistent component becomes the basis for the relatively weak front part and is in a position to wrap it more widely. And for this reason, the combination of the two elements is loosely realized in the latter part of the game. Fifth, for this reason, this game is always open to the possibility of showing different ways in different regions.

부여 ‘희녀대’ 지명의 발생과 지명 전설의 변조

황인덕(Hwang, In-deok) 충남대학교 충청문화연구소 2017 충청문화연구 Vol.19 No.-

이 글은 백제 역사와 관련된 전설이 구전되는 그대로 기록화되지 않고 현대의 일부 지식인들에 의하여 지나치게 자의적으로 윤색되어 원래 모습과 크게 달라진, 변조되고 왜곡된 텍스트를 만들어내고 마는 잘못을 지적하고자 한 것이다. 이에 대한 실제 예는 여러 가지 자료를 들 수 있으나 여기에서는 하나의 전설 유형담만을 예로 들어 다루기로 한다. 예화 자료는 부여읍 현북리 희어티 마을에 있는 정체 미상의 유지(遺址)에 대한 지명전설이다. 이곳에 있었으리라 추정되는 건물은 아직 그 실체와 목적이 밝혀지지 않았고, 그에 따라 이곳의 지명은 여러 가지로 불리고 있다. 이 가운데 구전전설로서의 상상이 가장 자극적이고 흥미로운 방향에서 이루어진 것은 ‘희녀대’이다. 그런데 이 ‘희녀대’는 실제로는 그것과 비슷한 발음을 보이는 이 마을의 고개 이름 ‘희어티’에서 유래된 것이다. 이 희어티가 마을 이름 ‘희어티’로도 쓰이고, ‘희어골’이라는 고개 아래 골짝 이름도 낳게 된 것이다. 이러한 실상을 살피지 않고 일부 식자들은 위 전설을 침소봉대하고 현란하게 윤색하여 단순한 지명전설인 <희녀대> 전설을 마치 확실한 역사담처럼 재창작하는 데에까지 나아가는 잘못을 저지르는 데 동참하고 있다. 전설의 본질을 간과하는 데에서 빚어진 일부 식자들의 이러한 행위는 매우 잘못된 것으로, 이들 전설이 백제의 역사와 직접 관련이 있다는 데에 문제의 심각성이 더 크다. 이에 대한 인식 제고가 요구된다. The area of Buyeo in Chungnam has been dramatically transformed into a space of the climax and end in the history of Baekje period. So, a legend of the history of Baekje period generally pays attention to a situation of the national ruin and converges toward its direction by emphasizing, imagining and expressing maladministration of the king. The evidence of the legend such as nature, remains, relics and characters is always related to a certain space-time and it has been connected to nowadays both in tangible and intangible ways. The legend of the history of Baekje period which began in Baekje period has a direct and sensitive influence in its geographical area, especially in Buyeo where the identity of the history of Baekje period is recognized more concretely until now. Viewing on this point, the intellectuals today should be very cautious in collecting and recording the legend of the history of Baekje period which was orally transmitted. Above all, the subjectivity of recorder should not be involved too much by their rightly judging a relation between ‘historicity’ and ‘fictiveness’ of the legend. The fact that the several intellectuals or enthusiasts extend and falsify the contents of the legend which were orally transmitted from a long time ago by adding the subjective point of view is absolutely wrong. Two sentences which are cited in this article show well this extreme example for this phenomenon. Some intellectuals embroider and falsify the contents of the legend transmitted as simple ones for an undoubted fact without scruple by making use of concrete and important factors like name of person, name of place and chronicle. The false recognition that the orally-transmitted-legend is possible to arbitrary be fabricated and embellished has brought this phenomenon. Thus, the fabricated contents of the legend at their discretion are not the right ‘history’ or not the orally true ‘legend’ at all. We need to regard them as an obstacle that would rather mislead researchers.

신용정보의 체계와 정책 이슈

황인덕 ( In Deok Hwang ) 한국금융정보학회 2013 금융정보연구 Vol.2 No.2

우리나라의 신용정보 이용 및 보호 체계는 1995년 1월 5일 신용정보의 이용 및 보호에 관한 법률이 제정되어 법적 기반을 확보하였고, 그동안 신용정보업의 육성, 신용정보의 효율적 이용 및 체계적 관리, 신용정보 주체의 보호, 신용질서의 확립 등에 기여해 왔으나, 신용정보의 이용 및 제공 등에 엄격한 규제를 적용하고 있어 개선 필요성이 제기되고 있다. 또한, 공공정보 집중 관련 규정에도 불구하고 공공기관이 공공정보의 제공에 소극적이며, 대부업 정보도 금융정보로서 금융시장의 효율성 관점에서 공유정보에 포함시키는 것이 타당할 것이나, 현재 공유가 이루어지지 않고 있다. 신용평가모형의 정확도를 제고하고 금융소외자의 금융시장 접근성을 높이기 위해서는 공공정보 및 대부업 정보의 실질적인 공유가 필요하다. 신용평가업이 신용정보법에서 자본시장법으로 이관되면서 현재 고유업무로 수행중인 신용공여 평가 등의 업무가 부수업무로 분류되는 등 규제상충 문제에 대한 입법적 보완이 필요하다. 또한 신용평가 수익모델의 변경이나 복수평가의 폐지여부에 대해서는 이해상충의 회피를 통한 정확한 신용평가정보의 생산과 투자자 보호라는 관점에서 보다 충분한 연구와 검토가 필요하다. 기업신용정보 인프라는 재무정보의 양과 질이 절대적으로 부족하여 상대적으로 초보단계에 머물러 있으므로 향후 기업정보 유통 활성화를 통한 서비스 고도화와 이를 위한 적극적인 투자가 필요하다. Systems on use and protection of credit information in Korea were introduced into legislation in January 5, 1995 in parallel with enactment of an act on use and protection of credit information. The systems have contributed to nurturing of credit information business, efficient use and systemic control of credit information, protection of the information owner, and enforcement of credit-related rules and regulations. However, issues have been raised to reform the systems as they apply very strict restrictions over use and provision of credit information. In addition, in spite of the regulation on concentration of public information, public agencies are passively providing public information. Moreover, even though it is plausible to share information about consumer loan finance companies as financial information from a perspective of an efficient financial market, it is not shared as of current. In order to enhance accuracy of credit rating model and improve access of those who are financially excluded to financial market, public information and information about consumer loan finance business shall be shared in practice. Additional legal supplementation is necessary in order to address the conflict of regulations as credit rating business is now regulated under the Financial Investment Services and Capital Markets Act instead of Use and Protection of Credit Information Act. For example, the assessment of credit exposure which is currently classified as core activity will be categorized as supplementary activity. In addition, change of credit rating business model or abolition of multiple rating system require thorough research and review for production of accurate credit rating information and protection of investors. Infrastructure regarding credit information of companies is relatively in its elementary stages since it lacks both quality and quantity of financial information. Against this backdrop, service must be advanced by facilitating distribution of information about companies, and aggressive investment is also necessary to this end.