온라인쇼핑몰의신용카드 수수료인하방안 2017. 7

I. 1 II. 3 1. 3. 3. 5. 6 2. 8. 8., 9. 10 III. 11 1. 11. 11. 12 2. 20. 20. 22 IV. 31 1. 31. 31. 32. 36 - i -

2. 39. 39. 41 V. 43 1. ( ) 43. 43. 44. 45. 48. O2O 49 2. 51. 52. 56 VI. 60 1. 60. 60. 61. 63. 64 2. PG 67 3. 69 VII. 71 - ii -

< Ⅱ-1> 4 < Ⅱ-2> 6 < Ⅱ-3> 7 < Ⅱ-4> 10 < Ⅲ-1> 16 < Ⅲ-2> 17 < Ⅲ-3> 20 < Ⅲ-4> 22 < Ⅲ-5> PG 25 < Ⅲ-6> 25 < Ⅲ-7> PG 29 < Ⅲ-8> 29 < Ⅲ-9> / 30 < Ⅳ-1> 2012 2013 31 < Ⅳ-2> 2012 2013 32 < Ⅳ-3> 2014 34 < Ⅳ-4> 36 < Ⅳ-5> 38 < Ⅳ-6> 39 < Ⅳ-7> 40 < Ⅳ-8> 2017 1 41 - iii -

< Ⅴ-1> 43 < Ⅴ-2> 2015 45 < Ⅴ-3> 2016 47 < Ⅴ-4> 49 < Ⅴ-5> O2O 50 < Ⅴ-6> 51 < Ⅴ-7> 54 < Ⅵ-1> 65 < Ⅵ-2> 24 3 69 - iv -

[ Ⅱ-1] 5 [ Ⅱ-2] 8 [ Ⅱ-3] 9 [ Ⅱ-4], 10 [ Ⅲ-1] 11 [ Ⅲ-2] VAN 12 [ Ⅲ-3] 13 [ Ⅲ-4] 15 [ Ⅲ-5] PG 17 [ Ⅲ-6] PG 18 [ Ⅲ-7] 19 [ Ⅲ-8] 10,000 21 [ Ⅲ-9] 10,000 23 [ Ⅲ-10] 10,000 27 [ Ⅳ-1] 32 [ Ⅳ-2] 2014 33 [ Ⅳ-3] 35 [ Ⅳ-4] 35 [ Ⅳ-5] 37 [ Ⅴ-1] 46 [ Ⅴ-2] 48 [ Ⅴ-3] 49 - v -

[ Ⅴ-4] 51 [ Ⅴ-5], 55 [ Ⅴ-6] 58 [ Ⅴ-7] 59 [ Ⅵ-1] 66 [ Ⅵ-2] 66 [ Ⅶ-1] 71 [ Ⅶ-2] 73 [ Ⅶ-3] 73 - vi -

I. 1997,,, 2016 105.7 2,900 614 1.68 2016 55% 2007 2.0~4.5% 0.8~1.3% 2017 8 1 5 2017 1 ( 2 ) 0.8% 64% ( 2~3 ) 1.3% 7.5% 70% - 1 -

5%, 2016 65 17% 80% 4 5~10% O2O, 3.5%, - 2 -

II. 1. 1997, 1) 가. 신용카드등사용금액에대한소득공제 1999, 1) 1999 10% 15%,,, 30% 10% 300 20% 500 1), 10 :,, 2012, 85p - 3 -

10% 25% 1999.09 10% Min[300, 10%] 2001.01 20% 2002.12 2004.01 20% 30% 20% Min[500, 20%] 10% 2004.12 2006.01 15% 15% 2007.12 20% 2010.01 2011.12 2013.01 2016.12 표 Ⅱ 신용카드등사용금액에대한소득공제연혁, 20% 25%, 20% 30% 30% 15% 30% 30%, 30% Min[300, 20%] 7,000 : Min[300, 20%] 7,000 ~1 2 : 250 1 2 : 200 20% 25% :, 10 :,, 2012. 2) 2007 290,964 2015 685,810 2.4 2007 6,200 2015 1.7 2.7-4 -

2010 25% 2009 1.19 2010 1.01 2015 35 9 5% 4 [ 그림 Ⅱ-1] 신용카드소득공제액추이 ( :, ) :,. 나. 신용카드영수증복권제도 1999 1 2) - 5 -

2000 2004 2005 1 1 1 1 1 1 1 2 3 2 3 2 1 2 3 1 5 5 5 5 3 4 5 10 3 4,000 10 100 5 10 2,500 1 20,000 1 10,000 6 1 109,000 표 Ⅱ 신용카드영수증복권제도연혁 :, 10 :,, 2012 다. 신용카드등의사용에따른세액공제 1), 2), 10 :,, 2012, 122p - 6 -

표 Ⅱ 신용카드등의사용에따른세액공제연혁 1994~1995 0.5 1996~1998 1.0-1999 1.0 300 2000~2003 2.0 2004 1.0 2005~2007 1.0(1.5) 500 2008 1.0(2.0) 2009~2010 700 1.3(2.6) 2011~ 500 :, 10 :,, 2012. 2) 2007 583,679 2015 1,100,848 2 2007 5,800 2015 1.6 2.75 2015 35 9 4.2% 8-7 -

[ 그림 Ⅱ-2] 신용카드등의사용에따른세액공제액추이 ( :, ) :,. 2. 가. 개인신용카드사용액 2016 442 798 55.32% 2007 201 2016 442 2, 2007 36.75% 2016 55.32% 18.57%p - 8 -

[ 그림 Ⅱ-3] 개인신용카드사용액추이 ( : ) :,. 나. 신용카드총이용건수 총이용금액, 총가맹점수 2004, 2007 2002 17.5 2016 105.7 14 6 2002 262 2016 614 14 2 2002 15 2016 5.8-9 -

2006 2007 [ 그림 Ⅱ-4] 신용카드총이용건수 총이용금액, 총가맹점수추이 ( :,, ) :,. 다. 중소기업의신용카드결제비중 2014 2015 27.2% 2 < 표 Ⅱ-4> 중소기업판매대금결제수단 ( : %) 2014 56.8 8.3 27.2 7.6 2015 60.5 8.0 27.2 4.3 :, - 10 -

III. 1. 가. 오프라인,, VAN [ 그림 Ⅲ-1] 오프라인신용카드이해관계자와결제구조 ( ) VAN, ( ) ( ) (VAN, Value-added network) - 11 -

A/S,, VAN [ 그림 Ⅲ-2] VAN 사로인한거래의단순화 : http://blog.naver.com/flying6316/220004024154 나. 온라인, - 12 -

1) 가 ) 개념 C2C 나 ) 이해관계자와결제구조, PG, VAN (PG ) VAN, 2007, 11 ( ) 2011 [ 그림 Ⅲ-3] 오픈마켓신용카드이해관계자와결제구조 - 13 -

다 ) 수수료 G,, 11 12%, PG 12%, 2) 가 ) 개념 - 14 -

나 ) 이해관계자와결제구조 PG ( ), PG,, VAN PG [ 그림 Ⅲ-4] 독립형쇼핑몰신용카드이해관계자와결제구조 (PG ), PG (Payment Gateway, ), 8, 8 PG PG, PG (, URL, ) - 15 -

Sub-mall, 3), PG PG, PG PG (PG ) PG, 2014 Active X 17 ( ) 30 3, 10 표 Ⅲ 전자지급결제대행사자본금요건변화 2007.1.1 10 2016.6.30 1. 30 : 3 2. 30 : 10 3) 2 ( ) 5.. ( ) - 16 -

PG 2015 3 53 2016 9 71, 2017 5 18 PG 80 KG 32%, LG 32%, 16%, 3 80% 3 (A) < 표 Ⅲ-2> 전자지급결제대행업체추이 2015 2016 6 9 12 3 6 9 (B) (B-A) 53 59 63 63 65 70 71 18 : PG 2008 5 2016 17.4 3.48, 2016 75.6% 2016 476 PG [ 그림 Ⅲ-5] PG 사이용건수와신용카드비율 ( : ) : - 17 -

PG 2008 16 2016 90 5.6, 2016 75.4% 2016 2,456 PG [ 그림 Ⅲ-6] PG 사이용금액과신용카드비율 ( : ) : 3) 가 ) 개념 - 18 -

, 나 ) 이해관계자와결제구조 ( ), PG, VAN [ 그림 Ⅲ-7] 임대형쇼핑몰신용카드이해관계자와결제구조 ( ),,,, 5,,,, 24,, 3-19 -

< 표 Ⅲ-3> 결제방식별이해관계자 VAN PG 2. 가. 오프라인 [ Ⅲ-8] ( ) 10,000,, VAN ( 3 ) VAN VAN α - 20 -

[ 그림 Ⅲ-8] 10,000 원결제시오프라인결제흐름도 :, 80 ( 0.8%) 9,920 VAN VAN α 80 VAN α (80-α), VAN VAN α : 9,920 909 10,000 1/11 4) 909 4), 10,000 10%., 1/11 ( 10,000 = 9,091 + 909) - 21 -

< 표 Ⅲ-4> 오프라인가맹점의수입 9,920 (909 ) 9,011 : 10,000 10,000 (80-α), VAN α, 909, 9,011 (80-α), VAN α 80 ( ) 0.8% 나. 온라인 1) [ Ⅲ-9] 10,000,, PG PG 2.6%, 2.2% VAN VAN α - 22 -

[ 그림 Ⅲ-9] 10,000 원결제시독립형온라인쇼핑몰결제흐름도 - 23 -

:, 220 ( 2.2%) 9,780 PG D( )+2 VAN VAN α PG +3 220 VAN α (220-α), VAN VAN α PG : 9,780 9,714 26 PG 9,714, 10,000 2.6% 260 10% 26 286 PG 2.6%, 2.6% 2.2%, PG 0.4% PG 2.6% 2.2% PG, 1, 2, 4 ( +7 ) PG, 260 10% 26-24 -

PG 26, PG 26 PG 40 표 Ⅲ 사의수입 9,780 (26 ) PG 40 (9,714 ) : 9,714 909 10,000 1/11 909 PG 26 표 Ⅲ 독립형온라인쇼핑몰의수입 PG 9,714 (909 ) 26 8,831 : 10,000 10,000 (220-α), VAN α, PG 40, 909, 8,831 (220-α), VAN α, PG 40 260 2.6% - 25 -

2) [ Ⅲ-10] 10,000,,, PG PG 3.5%, 2.2%, 0.9% VAN VAN α - 26 -

[ 그림 Ⅲ-10] 10,000 원결제시임대형온라인쇼핑몰결제흐름도 - 27 -

:, 220 ( 2.2%) 9,780 PG D( )+2 VAN VAN α PG +3 220 VAN α (220-α), VAN VAN α PG : 9,780 99, 9,615 35 PG 9.615, 10,000 3.5% 350 10% 35 385 PG 3.5%, 3.5% 2.2%, 0.9%, PG 0.4% PG 3.5% 3.1% PG, 1, 2, 4, 4 ( +7 ) - 28 -

PG, 350 10% 35 PG 35, PG 35 PG 1 ( 10 ) 0.9% 90 10% 9 99 PG PG 40 표 Ⅲ 사의수입 9,780 (99 ) (35 ) 9 PG 40 (9,615 ) : PG 99 9 90 : PG 9,615 909 10,000 1/11 909 PG 35 표 Ⅲ 임대형온라인쇼핑몰의수입 PG 9,615 (909 ) 35 8,741-29 -

10,000 10,000 (220-α), VAN α, PG 40, 90, 909, 8,741 (220-α), VAN α, PG 40, 90 350 3.5% 10,000 3 9,011, 3~5 8,961 PG 140 (1.4%) 90 (0.9%) PG 40 (0.4%) 90 (0.9%) 표 Ⅲ 온라인 오프라인가맹점수수료차이에따른수입차이 10,000 10,000 10,000 10,000 (909) (909) (909) (909) (80) (130) (260) (350) - 80 130 220 220 - PG 40 40-90 9,011 8,961 8,831 8,741-30 -

IV. 1. 가. 중소기업의비중 0.1% 99.9% 87% 10% 2012 2,916 2014 3,123 7% 2012 3,351,404 2014 3,542,350 5% 2012 1,831,790 2014 1,935,109 5% 2012 13,059,372 2014 14,027,636 7%, < 표 Ⅳ-1> 2012~2014 년대기업과중소기업의사업체수 ( :, %) 2012 2,916 0.1 92,787 2.8 3,258,617 97.1 2013 3,130 0.1 98,560 2.9 3,317,303 97.0 2014 3,123 0.1 101,709 2.9 3,440,641 97.0 : :, 2016. - 31 -

< 표 Ⅳ-2> 2012~2014 년대기업과중소기업의종사자수 ( :, %) 2012 1,831,790 12.3 3,763,597 25.3 9,295,775 62.4 2013 1,923,266 12.5 3,897,283 25.4 9,524,311 62.1 2014 1,935,109 12.1 4,006,017 25.1 10,021,619 62.8 : :, 2016. 나. 소상공인 5) 의현황 1) 2005 2014 86% 38% 2005 253 2014 306 20% 488 605 24% [ 그림 Ⅳ-1] 소상공인사업체와종사자수추이 :, 2016. 5) 5 (,,, ), 10 (, ) - 32 -

[ 그림 Ⅳ-2] 2014 년소상공인사업체와종사자비중 :, 2016. 2) 87 28.6%, 62 20.1%, 36 11.9% 3 60% 159 26.2%, 129 21.3%, 103 17% 3 65% - 33 -

< 표 Ⅳ-3> 2014 년업종별소상공인사업체수와종사자수 ( :,, %), 410 (0.0) 986 (0.0) 1,659 (0.1) 5,361 (0.1) 325,621 (10.6) 1,025,945 (17.0),, 324 (0.0) 588 (0.0), 3,348 (0.1) 7,994 (0.1) 106,420 (3.5) 345,838 (5.7) 876,093 (28.6) 1,586,382 (26.2) 364,231 (11.9) 441,199 (7.3) 616,086 (20.1) 1,287,130 (21.3),, 21,587 (0.7) 43,891 (0.7) 7,381 (0.2) 12,674 (0.2) 107,054 (3.5) 170,741 (2.8), 59,340 (1.9) 126,865 (2.1) 30,268 (1.0) 59,932 (1.0) 124,966 (4.1) 218,610 (3.6) 49,582 (1.6) 158,461 (2.6), 89,049 (2.9) 154,747 (2.6) 279,582 (9.1) 399,013 (6.6) : ( ) :, 2016. 3) 2013 877, 187 400 43.4%, 1,000 75.3% 3,000 5.5% - 34 -

5 4,000, 97.3% 9.2% 200 56.7%, 400 8.8% 10% [ 그림 Ⅳ-3] 소상공인월평균매출액 ( : %) :,, 2013. [ 그림 Ⅳ-4] 소상공인월평균이익 ( : %) :,, 2013. - 35 -

가. 기업생멸행정통계 1) 2013 2014,, < 표 Ⅳ-4> 산업별신생및소멸기업수 2013 2014 748,691 664,265 5,377,482 842,789 776,516 5,558,767 196 198 1,657 226 238 1,684 51,039 40,746 474,717 53,619 40,947 487,541,, 1,453 161 4,538 4,368 249 8,983,, 706 607 8,374 719 546 8,484 32,839 27,058 343,570 36,484 26,653 353,245 206,715 192,326 1,315,505 217,051 185,916 1,337,705 41,619 34,467 546,460 44,690 69,046 556,405 147,159 139,199 744,573 168,514 141,836 773,634,,, 12,557 9,247 63,565 12,933 8,838 67,173 4,887 4,595 20,502 4,442 3,642 20,502 128,283 109,204 1,094,693 164,355 195,562 1,152,716 20,114 13,574 123,911 23,179 13,596 133,617 15,519 11,517 74,901 16,936 12,169 80,157 28,139 24,208 132,508 28,461 21,648 136,677 5,894 4,713 68,834 5,741 3,346 73,149, 20,029 21,052 106,663 22,302 20,151 107,690 31,543 31,393 252,511 38,769 32,133 259,405 :,. - 36 -

2) 1 62.4%, 5 27.3% 40% 1 5 4 1 [ 그림 Ⅳ-5] 소상공인기업생멸행정통계 :,. 3) 2015 40% 50 50 29.7% 37.7% 40 61.5%, 67.6% - 37 -

< 표 Ⅳ-5> 창업기업체의대표자연령 ( :, %) 813,202 100 202,280 100 160,724 100 30 50,522 6.2 18,686 9.2 13,307 8.3 30 187,230 23.0 58,936 29.1 38,754 24.1 40 255,394 31.4 64,385 31.8 48,049 29.9 50 211,143 26.0 41,597 20.6 43,872 27.3 60 108,285 13.1 18,402 9.1 16,724 10.4 628 0.1 274 0.1 18 0.0 :,, 2015. 4) 7,257 3,000 1 1/4 60 6,218 3,000 47.7% < 표 Ⅳ-6> 창업비용 ( :, %) 40 50 60 7,257 7,505 7,393 6,218 ~3,000 29.4 22.5 29.7 47.7 3,000~5,000 19.6 19.9 20.1 17.7 5,000 ~1 26.8 29.5 26.8 19.1 1~2 16.7 20.5 15.4 8.5 2~3 4.2 4.9 4.2 2.6 3~4 1.5 1.4 1.6 1.8 4~5 0.4 0.5 0.5 0.3 5 1.4 0.8 1.8 2.2 :,, 2013. - 38 -

1. 가. 신용카드수수료율연혁, 2007 8 18 3( ) 3 2.0~4.5% 0.8~1.3%, 3 2015 97% 238 0.3~0.7% 6,700, VAN,, (No-CVM) 84.7%, 89.1% 100 2017 8 2 3 18.8 1.3% 0.8% 2~3 3~5 26.7 1.94% 1.3% - 39 -

2007 2007 08 2008 10 2009 02 2010 04 2011 03 2012 01 2016 01 2017 08 : 표 Ⅳ 카드가맹점우대수수료변화과정 4,800 9,600 : 2.0~4.5% : 1.5~4.5% : 2.0~2.3% : 1.5~3.6% : 1.5~4.5% : 1.5~2.5% : 2.74 2.57% : 2.0~2.1% : 2.0~3.6% 2.0~2.2% : 2.0~2.2% 1.6~1.8% : 3.3~3.6% 2.0~2.15% 2 : 1.6~1.8% : 2 : 2~3 : 3 : 3~5 : 1.5 0.8% : 2.0 1.3% ( / ) : 2.7 2.5% : ( ) 2.0~2.1% ( ) 2.2~2.5% : 1.0% : ( ) 1.5% ( ) 1.7% : 0.5% : 1.0% : 1.5% 나. 가맹점종류별신용카드수수료율 70%, 1.7% 97% 1.7%, 70% 2.1% 1.3~1.7% 3% - 40 -

0.8% 65.16-0.01-63.86-1.92-0.8 ~ 1.3% - 7.58 - - - 7.41 - - 1.3 ~ 1.7% - - 0.86 1.06 - - 0.87 1.12 1.7 ~ 2.1% - - 0.03 10.28 - - 0.11 6.40 2.1 ~ 2.5% - - 0.04 14.98 - - 0.25 18.06 65.16 7.58 0.94 26.32 63.86 7.41 3.15 25.58 표 Ⅳ 년 분기가맹점종류별신용카드수수료율 ( : %) 0.8% 64.16-0.82-64.11 - - - 0.8 ~ 1.3% - 7.64 0.06 - - 7.44 - - 1.3 ~ 1.7% - - 0.92 1.12 - - 0.77 0.5 1.7 ~ 2.1% - - - 7.56 - - - 7.18 2.1 ~ 2.5% - - - 17.72 - - - 19.97 64.16 7.64 1.8 26.4 64.11 7.44 0.77 27.65 NH 0.8% 65.01 - - - 64.02 - - - 0.8 ~ 1.3% - 7.52 - - - 7.68 0.01-1.3 ~ 1.7% - - 0.88 0.4 - - 1.03 2.29 1.7 ~ 2.1% - - 0.01 6.9 - - 0.02 7.57 2.1 ~ 2.5% - - 0.02 19.22 - - 0.03 17.31 65.01 7.52 0.91 26.52 64.02 7.68 1.09 27.17-41 -

0.8% 58.5-1.54-65.05-0.01-0.8 ~ 1.3% - 6.99 0.01 - - 7.55 - - 1.3 ~ 1.7% - - 0.96 0.65 - - 0.88-1.7 ~ 2.1% - - - 7.08 - - 0.03 3.79 2.1 ~ 2.5% - - - 24.27 - - 0.08 22.57 58.5 6.99 2.51 32 65.05 7.55 1 26.36 : 25 4 2 ( 5) 1. 2. 3. 4. 1 3 : - 42 -

V. 1. ( ) 가. 전자상거래겸업비중증가 5%,,, 2010 3.4%, 2014 4.5% 1%p 표 업종별전자상거래판매여부 ( : %) 2010 2011 2012 2013 2014 3.4 4.4 5.0 4.6 4.5 12.3 6.0 14.1 12.3 12.0 5.3 5.8 6.1 5.7 4.8 3.6 5.4 9.0 8.7 4.7 6.5 6.4 8.1 5.7 7.2 0.3 2.5 0.3 5.8 0.6 0.8 1.9 1.6 2.0 3.8,, 21.0 22.8 31.7 29.7 14.1 20.1 18.2 12.8 13.7 14.1 2.4 3.3 8.4 4.4 3.5, 2.2 5.7 8.7 7.6 3.8 7.8 7.1 11.6 14.6 8.5, 0.8 2.5 1.6 0.9 3.1 1.9 3.7 4.1 2.3 2.3 :,. - 43 -

2010 20%, 2014 14%, 나. 전자상거래업 6) 현황 2015 12,309 61,110 1,869, 7 1~4 9,857 80% 18,032 29.5% 1, 140 13 10% 2~4, 558 28 5% 6) ( ) 1 2 3 4-44 -

표 년전자상거래업현황 12,309 61,110 1,869 7 1 4,762 4,762 140 13 2~4 5,095 13,270 558 28 5~9 1,528 9,661 2,284 85 10~19 567 7,345 4,976 166 20~49 269 7,771 11,077 418 50~99 59 3,928 24,911 543 100~199 15 1,937 101,944 1,686 200~299 5 1,199 213,553-152 300 9 11,237 682,398-56,638 : 4 :,, 2015. ( :,, ) 다. 온라인쇼핑현황 2013 38 2016 66 3 1.74 2013 6.6 2016 35.5 5.38 2010 8.22% 2016 17% - 45 -

[ 그림 -1] 연도별온라인쇼핑추이 ( : ) :,,.,,, 50% 10~30-46 -

< 표 -3> 2016 년온라인쇼핑몰상품군별거래액과비중 ( : ) 3,986,279 6.08% 7,169,564 10.93% 58,619 0.09% 1,340,629 2.04% 471,376 0.72% 205,055 0.31% 10,231,630 15.59% 2,520,543 3.84% 5,171,317 7.88% 2,941,058 4.48% 7,067,762 10.77% 1,730,738 2.64% 8,328,391 12.69% 38,970 0.06% 11,288,326 17.20% 1,349,225 2.06% 1,717,568 2.62% :, - 47 -

라. 오픈마켓현황, 2011 11.4 2015 15.9 [ 그림 Ⅴ-2] 오픈마켓시장규모 ( : ) : ( ) G 7, 11 22, 6, 4.5 ( ) G 4, 11 6, 3-48 -

표 -4 오픈마켓판매사업자및판매상품수 G 11 (2014 ) 70,700 218,537 59,922 45,707 (2015 ) 40,234,201 58,254,111 34,038,741 - : (, ), SK (11 ), ( ) 3 100% 2014 G 38.5%, 11 32.3%, 26.1%, 3.1% [ 그림 Ⅴ-3] 오픈마켓시장점유율 : 마. O2O 거래의증가 O2O On-line to Off-line - 49 -

7),, SK,, GPS 표 -5 관련업종및서비스현황 SK KT RGP 3 : http://skccblog.tistory.com/2959 O2O 7), O2O - 50 -

1. ( 3 ) ( 3~5 ) < 표 Ⅴ-6> 온라인과오프라인수수료율비교 0.8% 1.3% 3.85% 2.1~2.3% 0.9% PG 0.2~0.4% 0.35% [ 그림 Ⅴ-4] 온라인과오프라인수수료율차이분석 (3.85%) (2.1~2.3%) (0.9%) PG (0.2~0.4%) (1.3%) ( ) (1.3%) (0.8%) ( ) (0.8%) - 51 -

가. 구성요소차이, VAN, 2, VAN,, PG 4 PG ( 0.9%),,,, (PG 0.2~0.4%) PG VAN ( 0.35%), PG 1), VAN ( ), (VAN ) A/S,, VAN, - 52 -

( ) VAN 2), PG 가 ) 호스팅수수료, [ Ⅴ-5] 2 ( ),, (0.9%) PG [ Ⅴ-5] 3 ( ), 0.9% PG, - 53 -

( ) 0.9% 표 Ⅴ-7 호스팅사서비스별수수료 24 1 528,000 200,000 3.50% 1.8% 300 200,000 3.50% 1.8% 300 200,000 3.40% 1.8% 300 200,000 3.50% 1.8% 300 200,000 3.50% 1.8% 300 200,000 3.40% 1.8% 300 100,000 2.2 3.7% ( ) 100,000 2.2 3.5% ( ) 100,000 3.5% SMS 2,000 40,000 2,000 40,000 2,000 40,000 나 ) PG 수수료 ( ) PG - 54 -

, 8) PG PG PG PG [ 그림 Ⅴ-5] 온라인, 오프라인결제구조비교 8) 2015-55 -

다 ) 부가가치세 40 ( ) 1 9 PG, 0.8%, 1.3%, PG PG 3.5% 0.35% 3~6 가. 수수료율차이 25 4( ) [ 4]( ),,,,, 6 ( ) ( ) ( 1 ) - 56 -

( ),, 3 : :,,, : ( ),,,,, ( ), ( - VAN ),,, ( ),,,,, - 57 -

[ 그림 Ⅴ-6] 가맹점수수료체계 PG 3, PG 3 2.1~2.3% PG PG 1.5%p, 1.0%p 3 PG - 58 -

[ 그림 Ⅴ-7] 가맹점별가맹점수수료율차이 - 59 -

VI. 1. 가. 온라인결제와오프라인결제의적격비용차이 (VAN ), VAN 80~90, VAN 30~40 VAN VAN A/S,,, A/S PG,, PG - 60 -

PG, 나. 적용가능성 PG 2 ( ) 5 PG 18 3( ) 3 (3, 3~5 ), 9) PG PG 9) 25 5( ) - 61 -

PG PG 2017-8 ( ) ( ) PG PG, PG, PG PG PG PG, PG,,, PG ( 電文 ) MID(Merchant ID) 10-62 -

다. 선행요건 1) PG PG, 2) PG, PG PG,, PG 3) PG PG,, VAN - 63 -

VAN VAN VAN VAN, PG PG PG 0.1~1.0% 0.5%~1.0%,, PG 라. 기대효과, 5 1% 1.5% 1.5%p 10) 3.5% 2.0% 43%, 10) 2.3%, PG - 64 -

2.6% 1.1% 58% 2016 PG 75.4%, 1, 1 1,131,000 1.13%p 2015 1.47~11.8% 1.13%p 1.0%p 8) 3.5% 2.5% 29%, 2.6% 1.6% 38% 2016 PG 75.4%, 4, 1 3,016,000 0.75%p 2015 1.47~11.8% 0.75%p 3.5% 2.6% 표 -1 온라인가맹점우대수수료율적용시효과비교 ( 3 ) ( 3~5 ) 2% PG 3.5% 2.5% PG 0.8% 0.9% 0.3% 1.3% 0.9% 0.3% 1.1% PG 2.6% 1.6% PG 0.8% 0.3% 1.3% 0.3% - 65 -

[ 그림 Ⅵ-1] 독립형온라인쇼핑몰우대수수료율적용시수수료감소 [ 그림 Ⅵ-2] 임대형온라인쇼핑몰우대수수료율적용시수수료감소 PG PG, 95% 5, 5~10% - 66 -

95%, 5~10% 10% 5~10% 190~570 8 20~70 11) 2. PG 24 PG 3.5% 3.4% PG PG 3.4~3.5% 0.9% 2.1~2.3% PG PG 3.5% PG PG PG, 11) 2015 54 16 38 5~10%, 1.0~1.5%p - 67 -

PG PG,, PG PG PG, 1,000 PG PG 0.3~0.5% 0.1~0.2% 0.2~1.0% PG, - 68 -

PG PG (bargaining power), PG 3. 24 3 3 50%, 표 -2 카페 의최근 년손익계산서 단위 천원 2016 2015 2014 101,869,462,201 82,880,270,130 70,324,878,735 103,999,130,075 84,837,731,010 74,486,353,691-2,129,667,874-1,957,460,880-4,161,474,956-1,342,197,615-1,881,150,595-3,917,420,131 : 24, - 69 -

0.9%, 4. (PG) 1977 12) 12),, (2007), - 70 -

13) (PG) PG 3.5% 0.35% 40 ( ) 1 1 PG ( ) PG 13) (2007),, 292p - 71 -

PG PG, 14) ( ) PG 3~6,, PG 14), (2016), - 72 -

VII. PG 5 PG [ 그림 Ⅶ-1] 신용카드가맹점수수료차이분석 - 73 -

(, PG),, ( ),,,, PG 190 570 95% 5 3 1.13% 3~5 0.75% - 74 -

[ 그림 Ⅶ-2] 독립형온라인쇼핑몰우대수수료율적용시수수료감소 [ 그림 Ⅶ-3] 임대형온라인쇼핑몰우대수수료율적용시수수료감소 - 75 -

, PG PG,, 0.1~1.0% 0.5~1.0%, PG PG PG PG - 76 -

참고문헌,, 2016. 3.,,.,,., 10 :,, 2012.,, 2016.,,.,, 2007.,,., 2016, 2016.,,.,, 2007.,, 2015.,,.,,.,,.,,.,,., http://www.law.go.kr, http://dart.fss.or.kr, http://www.crefia.or.kr, http://kosis.kr O2O http://skccblog.tistory.com/2959 VAN http://blog.naver.com/flying6316/220004024154-77 -