(1) Reasons for Proposal
The amendment aims to improve the concentrated management system of related credit information to promote the sharing of the policy loan information of the insurance sector with all finance sectors and, in addition, compliment some of the weaknesses that have emerged in the operation of the management system for the accounts receivable information of the financial investment business sector.

(2) Major Provisions
A. Concentrate and share the policy loan information of the insurance sector (attached Table 6)
Stipulate that the policy loan information of the insurance sector also shall be managed in concentration and utilized through Korea Credit Information Services like other loans information.

B. Improve the management period of accounts receivable information (Article 19 (2) 1 and 1-2)
To maintain sound trading order in the securities market, stipulate that the accounts receivable information shall be managed and shared through Korea Credit Information Services for the period prescribed in the Securities Market Business Regulations.