2017년 부가통신업자(VAN사) 영업실적 (잠정)

2017년 부가통신업자(VAN사) 영업실적 (잠정) ◈ VAN시장의 대부분을 차지(VAN사업부문 수익기준)하고 있는 13개 VAN사를 대상으로 분석(전체 VAN사업 수익 중 99.4%를 차지) Ⅰ. 영업 현황 □카드 거래건·가맹점·단말기수는 전년 대비 모두 증가  ◦ 카드 거래건수는 159억건으로 전년(147억건) 대비 12억건(8.2%) 증가  ◦ 가맹점수는 245만개로 전년(235만개) 대비 10만개(4.3%) 증가  ◦ 단말기수는 304만대로 전년(291만대) 대비 13만대(4.5%) 증가    <VAN사 영업현황>   <table style="border-right-color: currentColor; border-bottom-color: currentColor; border-left-color: currentColor; border-right-width: medium; border-bottom-width: medium; border-left-width: medium; border-right-style: none; border-bottom-style: none; border-left-style: none; border-collapse: collapse; mso-table-overlap: never;"><tbody><tr><td valign="middle" style="background: rgb(224, 229, 250); border-width: 1.7pt 0.25pt 1.7pt medium; border-style: solid solid solid none; border-color: rgb(0, 0, 0) rgb(0, 0, 0) rgb(0, 0, 0) currentColor; width: 39.51pt; height: 38.13pt;" rowspan="2">구분</td><td valign="middle" style="background: rgb(224, 229, 250); border-width: 1.7pt 0.25pt 0.28pt; border-style: solid; border-color: rgb(0, 0, 0); width: 156.25pt; height: 20.48pt;" colspan="3">카드 거래건수</td><td valign="middle" style="background: rgb(224, 229, 250); border-width: 1.7pt 0.25pt 0.28pt; border-style: solid; border-color: rgb(0, 0, 0); width: 150.58pt; height: 20.48pt;" colspan="3">가맹점수</td><td valign="middle" style="background: rgb(224, 229, 250); border-width: 1.7pt medium 0.28pt 0.25pt; border-style: solid none solid solid; border-color: rgb(0, 0, 0) currentColor rgb(0, 0, 0) rgb(0, 0, 0); width: 147.76pt; height: 20.48pt;" colspan="3">단말기수</td></tr><tr><td valign="middle" style="background: rgb(224, 229, 250); border-width: 0.28pt 0.25pt 1.7pt; border-style: solid; border-color: rgb(0, 0, 0); width: 48.69pt; height: 17.65pt;">’16년</td><td valign="middle" style="background: rgb(224, 229, 250); border-width: 0.28pt 0.25pt 1.7pt; border-style: solid; border-color: rgb(0, 0, 0); width: 48.69pt; height: 17.65pt;">'17년</td><td valign="middle" style="background: rgb(224, 229, 250); border-width: 0.28pt 0.25pt 1.7pt; border-style: solid; border-color: rgb(0, 0, 0); width: 58.87pt; height: 17.65pt;">증감(률)</td><td valign="middle" style="background: rgb(224, 229, 250); border-width: 0.28pt 0.25pt 1.7pt; border-style: solid; border-color: rgb(0, 0, 0); width: 46.99pt; height: 17.65pt;">’16년</td><td valign="middle" style="background: rgb(224, 229, 250); border-width: 0.28pt 0.25pt 1.7pt; border-style: solid; border-color: rgb(0, 0, 0); width: 47.55pt; height: 17.65pt;">'17년</td><td valign="middle" style="background: rgb(224, 229, 250); border-width: 0.28pt 0.25pt 1.7pt; border-style: solid; border-color: rgb(0, 0, 0); width: 56.04pt; height: 17.65pt;">증감(률)</td><td valign="middle" style="background: rgb(224, 229, 250); border-width: 0.28pt 0.25pt 1.7pt; border-style: solid; border-color: rgb(0, 0, 0); width: 45.15pt; height: 17.65pt;">’16년</td><td valign="middle" style="background: rgb(224, 229, 250); border-width: 0.28pt 0.25pt 1.7pt; border-style: solid; border-color: rgb(0, 0, 0); width: 45.15pt; height: 17.65pt;">'17년</td><td valign="middle" style="background: rgb(224, 229, 250); border-width: 0.28pt medium 1.7pt 0.25pt; border-style: solid none solid solid; border-color: rgb(0, 0, 0) currentColor rgb(0, 0, 0) rgb(0, 0, 0); width: 57.46pt; height: 17.65pt;">증감(률)</td></tr><tr><td valign="middle" style="border-width: 1.7pt 0.25pt 1.7pt medium; border-style: solid solid solid none; border-color: rgb(0, 0, 0) rgb(0, 0, 0) rgb(0, 0, 0) currentColor; width: 39.51pt; height: 21.98pt;">13개사</td><td valign="middle" style="border-width: 1.7pt 0.25pt; border-style: solid; border-color: rgb(0, 0, 0); width: 48.69pt; height: 21.98pt;">147</td><td valign="middle" style="border-width: 1.7pt 0.25pt; border-style: solid; border-color: rgb(0, 0, 0); width: 48.69pt; height: 21.98pt;">159</td><td valign="middle" style="border-width: 1.7pt 0.25pt; border-style: solid; border-color: rgb(0, 0, 0); width: 58.87pt; height: 21.98pt;">12(8.2)</td><td valign="middle" style="border-width: 1.7pt 0.25pt; border-style: solid; border-color: rgb(0, 0, 0); width: 46.99pt; height: 21.98pt;">235</td><td valign="middle" style="border-width: 1.7pt 0.25pt; border-style: solid; border-color: rgb(0, 0, 0); width: 47.55pt; height: 21.98pt;">245</td><td valign="middle" style="border-width: 1.7pt 0.25pt; border-style: solid; border-color: rgb(0, 0, 0); width: 56.04pt; height: 21.98pt;">10(4.3)</td><td valign="middle" style="border-width: 1.7pt 0.25pt; border-style: solid; border-color: rgb(0, 0, 0); width: 45.15pt; height: 21.98pt;">291</td><td valign="middle" style="border-width: 1.7pt 0.25pt; border-style: solid; border-color: rgb(0, 0, 0); width: 45.15pt; height: 21.98pt;">304</td><td valign="middle" style="border-width: 1.7pt medium 1.7pt 0.25pt; border-style: solid none solid solid; border-color: rgb(0, 0, 0) currentColor rgb(0, 0, 0) rgb(0, 0, 0); width: 57.46pt; height: 21.98pt;">13(4.5)</td></tr></tbody></table> (단위 : 억건, 만개, 만대, %) <참고> VAN사 등록 현황 ◈`15.7.21, 신용카드등부가통신업자가「여전법」상 금융위 등록대상이 되었고 ’15.7월 이후 현재까지 24개사 등록*      * 15년도(17개사) → 16년도(5개사) → 17년도(2개사) 등록 ◈VAN사 주요업무 : 승인·중계, 단말기 설치, 가맹점 모집·관리 Ⅱ. 재무 현황 ◈ 현금성자산 보유 및 이익잉여금 증가 등으로 재무상황은 양호하나 성장세는 다소 둔화 □(자산)1조 9,966억원으로 현금성자산* 증가 등에 기인하여 전년말 대비 1,114억원(5.9%) 증가    * 대리점에 대한 가맹점모집 관련 프로모션 감소 등으로 인해 현금성자산 등 증가  ◦다만, 자산 증가율은 전년(8.5%) 대비 2.6%p 감소 □(부채)6,799억원으로 부동산 구입 관련 장기차입금 증가(150억원) 등에 기인하여 전년말 대비 274억원(4.2%) 증가 □(자본)1조 3,167억원으로 이익잉여금 증가*(913억원) 등에 기인하여 전년말 대비 840억원(6.8%) 증가      *이익잉여금은 전년말 대비 913억원(10.4%)이 증가하였으나 증가율은 전년(18.3%) 대비 7.9%p 감소   <VAN사 재무현황><table style="border-right-color: rgb(0, 0, 0); border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-width: 0.28pt; border-bottom-width: 0.28pt; border-left-width: 0.28pt; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-collapse: collapse; mso-table-overlap: never;"><tbody><tr><td valign="middle" style="background: rgb(203, 203, 255); border-width: 0.28pt 2.26pt 0.28pt medium; border-style: solid solid solid none; border-color: rgb(0, 0, 0) rgb(0, 0, 0) rgb(0, 0, 0) currentColor; padding: 1.41pt 5.1pt; width: 160.08pt; height: 21.48pt;" colspan="2">구 분</td><td valign="middle" style="background: rgb(203, 203, 255); border-width: 2.26pt 2.26pt 0.28pt; border-style: solid; border-color: rgb(0, 0, 0); padding: 1.41pt 5.1pt; width: 85.03pt; height: 21.48pt;">'16년(A)</td><td valign="middle" style="background: rgb(203, 203, 255); border-width: 2.26pt 2.26pt 0.28pt; border-style: solid; border-color: rgb(0, 0, 0); padding: 1.41pt 5.1pt; width: 85.03pt; height: 21.48pt;">'17년(B)</td><td valign="middle" style="background: rgb(203, 203, 255); border-width: 0.28pt 0.28pt 0.28pt 2.26pt; border-style: solid; border-color: rgb(0, 0, 0); padding: 1.41pt 5.1pt; width: 80.84pt; height: 21.48pt;">증 감(B-A)</td><td valign="middle" style="background: rgb(203, 203, 255); border-width: 0.28pt medium 0.28pt 0.28pt; border-style: solid none solid solid; border-color: rgb(0, 0, 0) currentColor rgb(0, 0, 0) rgb(0, 0, 0); padding: 1.41pt 5.1pt; width: 72.35pt; height: 21.48pt;">증감률</td></tr><tr><td valign="middle" style="border-width: 0.28pt 2.26pt medium medium; border-style: solid solid none none; border-color: rgb(0, 0, 0) rgb(0, 0, 0) currentColor currentColor; padding: 1.41pt 5.1pt; width: 160.08pt; height: 21.48pt;" colspan="2">자산총계</td><td valign="middle" style="border-width: 0.28pt 2.26pt; border-style: solid; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 85.03pt; height: 21.48pt;">18,852</td><td valign="middle" style="border-width: 0.28pt 2.26pt; border-style: solid; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 85.03pt; height: 21.48pt;">19,966</td><td valign="middle" style="border-width: 0.28pt 0.28pt 0.28pt 2.26pt; border-style: solid; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 80.84pt; height: 21.48pt;">1,114</td><td valign="middle" style="border-width: 0.28pt medium 0.28pt 0.28pt; border-style: solid none solid solid; border-color: rgb(0, 0, 0) currentColor rgb(0, 0, 0) rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 72.35pt; height: 21.48pt;">5.9</td></tr><tr><td valign="middle" style="border-width: medium 0.28pt 0.28pt medium; border-style: none solid solid none; border-color: currentColor rgb(0, 0, 0) rgb(0, 0, 0) currentColor; padding: 1.41pt 5.1pt; width: 29.1pt; height: 42.96pt;" rowspan="2">   </td><td valign="middle" style="border-width: 0.28pt 2.26pt 0.28pt 0.28pt; border-style: solid solid dotted; border-color: rgb(0, 0, 0); padding: 1.41pt 5.1pt; width: 130.98pt; height: 21.48pt;">유동자산(현금 등)</td><td valign="middle" style="border-width: 0.28pt 2.26pt; border-style: solid solid dotted; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 85.03pt; height: 21.48pt;">10,325</td><td valign="middle" style="border-width: 0.28pt 2.26pt; border-style: solid solid dotted; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 85.03pt; height: 21.48pt;">11,491</td><td valign="middle" style="border-width: 0.28pt 0.28pt 0.28pt 2.26pt; border-style: solid solid dotted; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 80.84pt; height: 21.48pt;">1,166</td><td valign="middle" style="border-width: 0.28pt medium 0.28pt 0.28pt; border-style: solid none dotted solid; border-color: rgb(0, 0, 0) currentColor rgb(0, 0, 0) rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 72.35pt; height: 21.48pt;">11.3</td></tr><tr><td valign="middle" style="border-width: 0.28pt 2.26pt 0.28pt 0.28pt; border-style: dotted solid solid; border-color: rgb(0, 0, 0); padding: 1.41pt 5.1pt; width: 130.98pt; height: 21.48pt;">비유동자산(설비 등)</td><td valign="middle" style="border-width: 0.28pt 2.26pt; border-style: dotted solid solid; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 85.03pt; height: 21.48pt;">8,527</td><td valign="middle" style="border-width: 0.28pt 2.26pt; border-style: dotted solid solid; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 85.03pt; height: 21.48pt;">8,476</td><td valign="middle" style="border-width: 0.28pt 0.28pt 0.28pt 2.26pt; border-style: dotted solid solid; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 80.84pt; height: 21.48pt;">△52</td><td valign="middle" style="border-width: 0.28pt medium 0.28pt 0.28pt; border-style: dotted none solid solid; border-color: rgb(0, 0, 0) currentColor rgb(0, 0, 0) rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 72.35pt; height: 21.48pt;">△0.6</td></tr><tr><td valign="middle" style="border-width: 0.28pt 2.26pt medium medium; border-style: solid solid none none; border-color: rgb(0, 0, 0) rgb(0, 0, 0) currentColor currentColor; padding: 1.41pt 5.1pt; width: 160.08pt; height: 21.48pt;" colspan="2">부채총계</td><td valign="middle" style="border-width: 0.28pt 2.26pt; border-style: solid; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 85.03pt; height: 21.48pt;">6,525</td><td valign="middle" style="border-width: 0.28pt 2.26pt; border-style: solid; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 85.03pt; height: 21.48pt;">6,799</td><td valign="middle" style="border-width: 0.28pt 0.28pt 0.28pt 2.26pt; border-style: solid; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 80.84pt; height: 21.48pt;">274</td><td valign="middle" style="border-width: 0.28pt medium 0.28pt 0.28pt; border-style: solid none solid solid; border-color: rgb(0, 0, 0) currentColor rgb(0, 0, 0) rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 72.35pt; height: 21.48pt;">4.2</td></tr><tr><td valign="middle" style="border-width: medium 0.28pt 0.28pt medium; border-style: none solid solid none; border-color: currentColor rgb(0, 0, 0) rgb(0, 0, 0) currentColor; padding: 1.41pt 5.1pt; width: 29.1pt; height: 42.96pt;" rowspan="2">   </td><td valign="middle" style="border-width: 0.28pt 2.26pt 0.28pt 0.28pt; border-style: solid solid dotted; border-color: rgb(0, 0, 0); padding: 1.41pt 5.1pt; width: 130.98pt; height: 21.48pt;">유동부채</td><td valign="middle" style="border-width: 0.28pt 2.26pt; border-style: solid solid dotted; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 85.03pt; height: 21.48pt;">5,694</td><td valign="middle" style="border-width: 0.28pt 2.26pt; border-style: solid solid dotted; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 85.03pt; height: 21.48pt;">5,770</td><td valign="middle" style="border-width: 0.28pt 0.28pt 0.28pt 2.26pt; border-style: solid solid dotted; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 80.84pt; height: 21.48pt;">76</td><td valign="middle" style="border-width: 0.28pt medium 0.28pt 0.28pt; border-style: solid none dotted solid; border-color: rgb(0, 0, 0) currentColor rgb(0, 0, 0) rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 72.35pt; height: 21.48pt;">1.3</td></tr><tr><td valign="middle" style="border-width: 0.28pt 2.26pt 0.28pt 0.28pt; border-style: dotted solid solid; border-color: rgb(0, 0, 0); padding: 1.41pt 5.1pt; width: 130.98pt; height: 21.48pt;">비유동부채</td><td valign="middle" style="border-width: 0.28pt 2.26pt; border-style: dotted solid solid; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 85.03pt; height: 21.48pt;">831</td><td valign="middle" style="border-width: 0.28pt 2.26pt; border-style: dotted solid solid; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 85.03pt; height: 21.48pt;">1,029</td><td valign="middle" style="border-width: 0.28pt 0.28pt 0.28pt 2.26pt; border-style: dotted solid solid; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 80.84pt; height: 21.48pt;">198</td><td valign="middle" style="border-width: 0.28pt medium 0.28pt 0.28pt; border-style: dotted none solid solid; border-color: rgb(0, 0, 0) currentColor rgb(0, 0, 0) rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 72.35pt; height: 21.48pt;">23.8</td></tr><tr><td valign="middle" style="border-width: 0.28pt 2.26pt medium medium; border-style: solid solid none none; border-color: rgb(0, 0, 0) rgb(0, 0, 0) currentColor currentColor; padding: 1.41pt 5.1pt; width: 160.08pt; height: 21.48pt;" colspan="2">자본총계</td><td valign="middle" style="border-width: 0.28pt 2.26pt; border-style: solid; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 85.03pt; height: 21.48pt;">12,327</td><td valign="middle" style="border-width: 0.28pt 2.26pt; border-style: solid; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 85.03pt; height: 21.48pt;">13,167</td><td valign="middle" style="border-width: 0.28pt 0.28pt 0.28pt 2.26pt; border-style: solid; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 80.84pt; height: 21.48pt;">840</td><td valign="middle" style="border-width: 0.28pt medium 0.28pt 0.28pt; border-style: solid none solid solid; border-color: rgb(0, 0, 0) currentColor rgb(0, 0, 0) rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 72.35pt; height: 21.48pt;">6.8</td></tr><tr><td valign="middle" style="border-width: medium 0.28pt medium medium; border-style: none solid none none; border-color: currentColor rgb(0, 0, 0) currentColor currentColor; padding: 1.41pt 5.1pt; width: 29.1pt; height: 21.48pt;">   </td><td valign="middle" style="border-width: 0.28pt 2.26pt 0.28pt 0.28pt; border-style: solid solid dotted; border-color: rgb(0, 0, 0); padding: 1.41pt 5.1pt; width: 130.98pt; height: 21.48pt;">자본금</td><td valign="middle" style="border-width: 0.28pt 2.26pt; border-style: solid solid dotted; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 85.03pt; height: 21.48pt;">1,289</td><td valign="middle" style="border-width: 0.28pt 2.26pt; border-style: solid solid dotted; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 85.03pt; height: 21.48pt;">1,296</td><td valign="middle" style="border-width: 0.28pt 0.28pt 0.28pt 2.26pt; border-style: solid solid dotted; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 80.84pt; height: 21.48pt;">6</td><td valign="middle" style="border-width: 0.28pt medium 0.28pt 0.28pt; border-style: solid none dotted solid; border-color: rgb(0, 0, 0) currentColor rgb(0, 0, 0) rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 72.35pt; height: 21.48pt;">0.5</td></tr><tr><td valign="middle" style="border-width: medium 0.28pt 0.28pt medium; border-style: none solid solid none; border-color: currentColor rgb(0, 0, 0) rgb(0, 0, 0) currentColor; padding: 1.41pt 5.1pt; width: 29.1pt; height: 21.48pt;">   </td><td valign="middle" style="border-width: 0.28pt 2.26pt 0.28pt 0.28pt; border-style: dotted solid solid; border-color: rgb(0, 0, 0); padding: 1.41pt 5.1pt; width: 130.98pt; height: 21.48pt;">이익잉여금</td><td valign="middle" style="border-width: 0.28pt 2.26pt 2.26pt; border-style: dotted solid solid; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 85.03pt; height: 21.48pt;">8,746</td><td valign="middle" style="border-width: 0.28pt 2.26pt 2.26pt; border-style: dotted solid solid; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 85.03pt; height: 21.48pt;">9,659</td><td valign="middle" style="border-width: 0.28pt 0.28pt 0.28pt 2.26pt; border-style: dotted solid solid; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 80.84pt; height: 21.48pt;">913</td><td valign="middle" style="border-width: 0.28pt medium 0.28pt 0.28pt; border-style: dotted none solid solid; border-color: rgb(0, 0, 0) currentColor rgb(0, 0, 0) rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 72.35pt; height: 21.48pt;">10.4</td></tr></tbody></table> (단위 : 억원, %) Ⅲ. 손익 현황 ◈ VAN상품 수익 및 기타사업 수익이 증가하고 가맹점 관리비용이 감소하여 당기순이익 증가 □(영업수익) 2조 1,344억원으로 VAN상품 수익(317억원↑) 및 기타사업 수익(1,308억원↑) 증가에 기인하여 전년 대비 1,353억원(6.8%) 증가  ◦VAN사업 부문은 1조 4,073억원으로 전년 대비 45억원(0.3%) 증가  -VAN사업부문 중 VAN상품 수익(1,221억원)은 단말기 유상판매 증가로 전년 대비 317억원(35.0%) 증가  -다만, 주요 수익원인 중계수수료* 수익은 1조 1,508억원으로 거래건수 증가에도 불구하고 전년(1조 1,662억원) 대비 154억원(1.3%) 감소  *가맹점과 신용카드사간의 카드거래 승인 등의 중계 및 매출전표 수거업무 관련 수수료  ◦기타사업 부문은 전자지급결제대행업(PG), 솔루션사업 부문 등의 수익 증가로 전년 대비 1,308억원(21.9%) 증가 □(영업비용) 1조 9,011억원으로 단말기 교체 관련비용(669억원↑) 및 모집인수수료(226억원↑) 증가에 기인하여 전년 대비 1,305억원(7.4%) 증가 ◦등록단말기 의무 전환에 따른 단말기 교체 관련 프로모션 등 상품비용이 전년 대비 669억원(35.7%) 증가 ◦가맹점수 증가에 따른 가맹점모집인 지급수수료가 전년 대비 226억원(3.7%) 증가 ◦다만, VAN사의 가맹점 관리비용은 전년 대비 114억원(26.9%) 감소 □(당기순이익) 1,797억원으로 전자지급결제대행업(PG) 이익 증가 등에 기인하여 전년 대비 159억원(9.7%) 증가 < VAN사 손익현황 > <table style="border-right-color: rgb(0, 0, 0); border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-width: 0.28pt; border-bottom-width: 0.28pt; border-left-width: 0.28pt; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-collapse: collapse; mso-table-overlap: never;"><tbody><tr><td valign="middle" style="background: rgb(203, 203, 255); border-width: 0.28pt 0.85pt 0.28pt medium; border-style: solid solid solid none; border-color: rgb(0, 0, 0) rgb(0, 0, 0) rgb(0, 0, 0) currentColor; padding: 1.41pt 5.1pt; width: 148.76pt; height: 17.65pt;" colspan="2">구 분</td><td valign="middle" style="background: rgb(203, 203, 255); border-width: 0.85pt 2.26pt 0.85pt 0.85pt; border-style: solid; border-color: rgb(0, 0, 0); padding: 1.41pt 5.1pt; width: 85.77pt; height: 17.65pt;">'16년(A)</td><td valign="middle" style="background: rgb(203, 203, 255); border-width: 2.26pt 2.26pt 0.28pt; border-style: solid; border-color: rgb(0, 0, 0); padding: 1.41pt 5.1pt; width: 85.77pt; height: 17.65pt;">'17년(B)</td><td valign="middle" style="background: rgb(203, 203, 255); border-width: 0.28pt 0.28pt 0.28pt 2.26pt; border-style: solid; border-color: rgb(0, 0, 0); padding: 1.41pt 5.1pt; width: 91.43pt; height: 17.65pt;">증 감(B-A)</td><td valign="middle" style="background: rgb(203, 203, 255); border-width: 0.28pt medium 0.28pt 0.28pt; border-style: solid none solid solid; border-color: rgb(0, 0, 0) currentColor rgb(0, 0, 0) rgb(0, 0, 0); padding: 1.41pt 5.1pt; width: 71.62pt; height: 17.65pt;">증감률</td></tr><tr><td valign="middle" style="border-width: 0.28pt 0.85pt medium medium; border-style: solid solid none none; border-color: rgb(0, 0, 0) rgb(0, 0, 0) currentColor currentColor; padding: 1.41pt 5.1pt; width: 148.76pt; height: 18.65pt;" colspan="2">영업수익</td><td valign="middle" style="border-width: 0.85pt 2.26pt 0.85pt 0.85pt; border-style: solid; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 85.77pt; height: 18.65pt;">19,991</td><td valign="middle" style="border-width: 0.28pt 2.26pt; border-style: solid; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 85.77pt; height: 18.65pt;">21,344</td><td valign="middle" style="border-width: 0.28pt 0.28pt 0.28pt 2.26pt; border-style: solid; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 91.43pt; height: 18.65pt;">1,353</td><td valign="middle" style="border-width: 0.28pt medium 0.28pt 0.28pt; border-style: solid none solid solid; border-color: rgb(0, 0, 0) currentColor rgb(0, 0, 0) rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 71.62pt; height: 18.65pt;">6.8</td></tr><tr><td valign="middle" style="border-width: medium 0.28pt 0.28pt medium; border-style: none solid solid none; border-color: currentColor rgb(0, 0, 0) rgb(0, 0, 0) currentColor; padding: 1.41pt 5.1pt; width: 14.95pt; height: 37.3pt;" rowspan="2">   </td><td valign="middle" style="border-width: 0.28pt 0.85pt 0.85pt 0.28pt; border-style: solid solid dotted; border-color: rgb(0, 0, 0); padding: 1.41pt 5.1pt; width: 133.81pt; height: 18.65pt;">VAN사업(상품, 중계 등)</td><td valign="middle" style="border-width: 0.85pt 2.26pt 0.85pt 0.85pt; border-style: solid solid dotted; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 85.77pt; height: 18.65pt;">14,028</td><td valign="middle" style="border-width: 0.28pt 2.26pt 0.85pt; border-style: solid solid dotted; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 85.77pt; height: 18.65pt;">14,073</td><td valign="middle" style="border-width: 0.28pt 0.28pt 0.85pt 2.26pt; border-style: solid solid dotted; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 91.43pt; height: 18.65pt;">45</td><td valign="middle" style="border-width: 0.28pt medium 0.85pt 0.28pt; border-style: solid none dotted solid; border-color: rgb(0, 0, 0) currentColor rgb(0, 0, 0) rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 71.62pt; height: 18.65pt;">0.3</td></tr><tr><td valign="middle" style="border-width: 0.85pt 0.85pt 0.28pt 0.28pt; border-style: dotted solid solid; border-color: rgb(0, 0, 0); padding: 1.41pt 5.1pt; width: 133.81pt; height: 18.65pt;">기타사업(PG 등)</td><td valign="middle" style="border-width: 0.85pt 2.26pt 0.85pt 0.85pt; border-style: dotted solid solid; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 85.77pt; height: 18.65pt;">5,963</td><td valign="middle" style="border-width: 0.85pt 2.26pt 0.28pt; border-style: dotted solid solid; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 85.77pt; height: 18.65pt;">7,271</td><td valign="middle" style="border-width: 0.85pt 0.28pt 0.28pt 2.26pt; border-style: dotted solid solid; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 91.43pt; height: 18.65pt;">1,308</td><td valign="middle" style="border-width: 0.85pt medium 0.28pt 0.28pt; border-style: dotted none solid solid; border-color: rgb(0, 0, 0) currentColor rgb(0, 0, 0) rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 71.62pt; height: 18.65pt;">21.9</td></tr><tr><td valign="middle" style="border-width: 0.28pt 0.85pt medium medium; border-style: solid solid none none; border-color: rgb(0, 0, 0) rgb(0, 0, 0) currentColor currentColor; padding: 1.41pt 5.1pt; width: 148.76pt; height: 18.65pt;" colspan="2">영업비용</td><td valign="middle" style="border-width: 0.85pt 2.26pt 0.85pt 0.85pt; border-style: solid; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 85.77pt; height: 18.65pt;">17,706</td><td valign="middle" style="border-width: 0.28pt 2.26pt; border-style: solid; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 85.77pt; height: 18.65pt;">19,011</td><td valign="middle" style="border-width: 0.28pt 0.28pt 0.28pt 2.26pt; border-style: solid; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 91.43pt; height: 18.65pt;">1,305</td><td valign="middle" style="border-width: 0.28pt medium 0.28pt 0.28pt; border-style: solid none solid solid; border-color: rgb(0, 0, 0) currentColor rgb(0, 0, 0) rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 71.62pt; height: 18.65pt;">7.4</td></tr><tr><td valign="middle" style="border-width: medium 0.28pt 0.28pt medium; border-style: none solid solid none; border-color: currentColor rgb(0, 0, 0) rgb(0, 0, 0) currentColor; padding: 1.41pt 5.1pt; width: 14.95pt; height: 55.95pt;" rowspan="3">   </td><td valign="middle" style="border-width: 0.28pt 0.85pt 0.56pt 0.28pt; border-style: solid solid dotted; border-color: rgb(0, 0, 0); padding: 1.41pt 5.1pt; width: 133.81pt; height: 18.65pt;">상품</td><td valign="middle" style="border-width: 0.85pt 2.26pt 0.56pt 0.85pt; border-style: solid solid dotted; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 85.77pt; height: 18.65pt;">1,875</td><td valign="middle" style="border-width: 0.28pt 2.26pt 0.56pt; border-style: solid solid dotted; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 85.77pt; height: 18.65pt;">2,544</td><td valign="middle" style="border-width: 0.28pt 0.28pt 0.56pt 2.26pt; border-style: solid solid dotted; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 91.43pt; height: 18.65pt;">669</td><td valign="middle" style="border-width: 0.28pt medium 0.56pt 0.28pt; border-style: solid none dotted solid; border-color: rgb(0, 0, 0) currentColor rgb(0, 0, 0) rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 71.62pt; height: 18.65pt;">35.7</td></tr><tr><td valign="middle" style="border-width: 0.56pt 0.85pt 0.56pt 0.28pt; border-style: dotted solid; border-color: rgb(0, 0, 0); padding: 1.41pt 5.1pt; width: 133.81pt; height: 18.65pt;">모집인수수료</td><td valign="middle" style="border-width: 0.56pt 2.26pt 0.56pt 0.85pt; border-style: dotted solid; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 85.77pt; height: 18.65pt;">6,083</td><td valign="middle" style="border-width: 0.56pt 2.26pt; border-style: dotted solid; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 85.77pt; height: 18.65pt;">6,309</td><td valign="middle" style="border-width: 0.56pt 0.28pt 0.56pt 2.26pt; border-style: dotted solid; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 91.43pt; height: 18.65pt;">226</td><td valign="middle" style="border-width: 0.56pt medium 0.56pt 0.28pt; border-style: dotted none dotted solid; border-color: rgb(0, 0, 0) currentColor rgb(0, 0, 0) rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 71.62pt; height: 18.65pt;">3.7</td></tr><tr><td valign="middle" style="border-width: 0.56pt 0.85pt 0.28pt 0.28pt; border-style: dotted solid solid; border-color: rgb(0, 0, 0); padding: 1.41pt 5.1pt; width: 133.81pt; height: 18.65pt;">가맹점관리 등</td><td valign="middle" style="border-width: 0.56pt 2.26pt 0.85pt 0.85pt; border-style: dotted solid solid; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 85.77pt; height: 18.65pt;">425</td><td valign="middle" style="border-width: 0.56pt 2.26pt 0.28pt; border-style: dotted solid solid; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 85.77pt; height: 18.65pt;">311</td><td valign="middle" style="border-width: 0.56pt 0.28pt 0.28pt 2.26pt; border-style: dotted solid solid; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 91.43pt; height: 18.65pt;">△114</td><td valign="middle" style="border-width: 0.56pt medium 0.28pt 0.28pt; border-style: dotted none solid solid; border-color: rgb(0, 0, 0) currentColor rgb(0, 0, 0) rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 71.62pt; height: 18.65pt;">△26.9</td></tr><tr><td valign="middle" style="border-width: 0.28pt 0.85pt 0.28pt medium; border-style: solid solid solid none; border-color: rgb(0, 0, 0) rgb(0, 0, 0) rgb(0, 0, 0) currentColor; padding: 1.41pt 5.1pt; width: 148.76pt; height: 18.65pt;" colspan="2">영업이익</td><td valign="middle" style="border-width: 0.85pt 2.26pt 0.85pt 0.85pt; border-style: solid; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 85.77pt; height: 18.65pt;">2,285</td><td valign="middle" style="border-width: 0.28pt 2.26pt; border-style: solid; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 85.77pt; height: 18.65pt;">2,333</td><td valign="middle" style="border-width: 0.28pt 0.28pt 0.28pt 2.26pt; border-style: solid; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 91.43pt; height: 18.65pt;">48</td><td valign="middle" style="border-width: 0.28pt medium 0.28pt 0.28pt; border-style: solid none solid solid; border-color: rgb(0, 0, 0) currentColor rgb(0, 0, 0) rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 71.62pt; height: 18.65pt;">2.1</td></tr><tr><td valign="middle" style="border-width: 0.28pt 0.85pt 0.28pt medium; border-style: solid solid solid none; border-color: rgb(0, 0, 0) rgb(0, 0, 0) rgb(0, 0, 0) currentColor; padding: 1.41pt 5.1pt; width: 148.76pt; height: 18.65pt;" colspan="2">당기순이익</td><td valign="middle" style="border-width: 0.85pt 2.26pt 0.85pt 0.85pt; border-style: solid; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 85.77pt; height: 18.65pt;">1,638</td><td valign="middle" style="border-width: 0.28pt 2.26pt 2.26pt; border-style: solid; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 85.77pt; height: 18.65pt;">1,797</td><td valign="middle" style="border-width: 0.28pt 0.28pt 0.28pt 2.26pt; border-style: solid; border-color: rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 91.43pt; height: 18.65pt;">159</td><td valign="middle" style="border-width: 0.28pt medium 0.28pt 0.28pt; border-style: solid none solid solid; border-color: rgb(0, 0, 0) currentColor rgb(0, 0, 0) rgb(0, 0, 0); padding: 0pt 0pt 0pt 5.66pt; width: 71.62pt; height: 18.65pt;">9.7</td></tr></tbody></table> Ⅳ. 향후 감독방향 □결제환경 변화에 따른 VAN사의 경쟁력 강화 지원  ◦ 계좌이체를 이용한 온라인 간편결제, 근거리 무선통신(NFC) 결제 등 신종 결제수단 활성화 지원 □ VAN 영업비용 체계 개편*을 통한 VAN수수료 합리성 제고 및 결제시장 참여자간 원활한 협의 유도    * VAN 영업비용 세분화를 위한 업무보고서 정비 및 회계시스템 개선 등  ◦ ‘제살깎기식’ 과당경쟁 방지 및 VAN사의 양질 서비스 제공 경쟁을 통한 건전한 시장 환경 조성 등