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BTC 关键事实
全北银行于10月12日开始向企业客户提供以比特币为抵押品的韩元贷款，成为韩国首家开展此类业务的商业银行。
注册的第三方托管机构持有比特币，若发生违约，银行可通过法院命令出售抵押品来收回贷款，而无需直接占有这些数字资产。
该贷款业务依赖于10月1日生效的修订版《民事执行规则》，该规则规定了针对与虚拟资产相关的债权进行查封和清算的程序。
全北银行接受比特币作为企业贷款抵押品
据Edaily报道，JB金融集团旗下的全北银行自10月12日起开始向企业客户推出由比特币（BTC）支持的韩元贷款。该行表示，这是韩国第一家接受虚拟资产作为贷款抵押品的商业贷款机构。
这一举措为企业提供了一种在不彻底出售资产的情况下，利用比特币持仓获取营运资金的方式。全北银行数字部门执行副总裁郑相勋表示，这项贷款业务表明，现有的贷款和抵押品管理系统可以在银行不直接持有虚拟资产的情况下发挥作用。
他指出，随着监管政策的演变，该行计划继续加强其数字资产能力。
This loan is only available to businesses in need of working capital, and Bitcoin can be used as collateral. Bank of North Korea chose Bitcoin because it has the largest market value and trading volume among all virtual assets. Additionally, stress tests conducted by the bank have shown that Bitcoin demonstrates good stability during periods of sharp price drops.
The custody and default handling procedures for Bitcoin loans involve virtual asset custody institutions that hold Bitcoin through independent management systems. Therefore, Bank of North Korea does not own or directly control the coins used as collateral. According to South Korea’s “Specific Financial Information Reporting Act,” custody holders must be registered as virtual asset service providers.
Furthermore, custody holders must obtain ISMS certification, comply with the “Travel Rules,” and meet the minimum requirements set by South Korea’s “Virtual Asset User Protection Act.”
If a borrower defaults, Bank of North Korea will not confiscate the Bitcoin itself. Instead, it will follow the revised version of the “Civil Enforcement Rules” that took effect on October 1st. These rules outline the court procedures for seizing and liquidating claims related to virtual assets.
The bank will use the proceeds from the sale of collateral as ordered by the court to repay the loan. At present, the amount of the loan, the interest rate, and the Loan-to-Value Ratio (LTV) have not been disclosed yet. According to Edaily’s report, KBK Bank uses a proprietary valuation benchmark as the criteria for assessing collateral. This benchmark combines weighted indices from various global exchanges with median volatility indicators, and the calculation method is publicly available.
JPMorgan Chase began offering Bitcoin-related loans to institutional clients in March this year, and Swiss bank Sygnum also provides similar services. KBK Bank is now the only regional bank that offers real-name verified accounts for virtual asset exchanges, and it is preparing to launch its own wallet products.
