요즘 ‘크라우드펀딩’이란 용어가 그리 낯설지 않을 것이다. 간단하게 자금조달이 가능한 구조로서 다양한 용도로 이용되고 있기 때문이다. ‘P2P(Peer to Peer) 대출’도 들어봤음직하다. 크라우드펀딩이나 P2P 금융 같이 인터넷을 통한 금융이 은행거래와 나란히 보급되고 있다. 여기서는 새로운 유형의 금융 트렌드를 대해 살펴본다.
P2P 금융 = 소셜렌딩이란?
‘P2P 금융’은 ‘소셜렌딩’이라고도 한다. 인터넷 상에 돈을 빌려주는 사람과 빌리는 사람을 매칭시켜 금융을 성립시키는 서비스다. 플랫폼이 금리를 결정하는, 또는 옥션으로 금리가 결정되는 등 그 형태는 다양하다.
소셜렌딩을 활용하는 것은 기업뿐만이 아니다. 개인이 융자를 받거나 투자 기회를 확대하는 용도로도 기대를 모으고 있다. 시장조사 기관인 독일의 Statista에 따르면, 2018년 개인에 대한 금융을 다루는 소셜렌딩은 마켓플레이스형만 놓고 봤을 때 거래액이 약 1,190억 달러(전년 대비 37.3% 증가), 융자건수가 약 1억3,200만 건(전년대비 24.5% 증가)이라고 한다. 2013년에는 35억 달러 정도였던 소셜렌딩의 시장 가치가 2025년에는 1조 달러에 이를 전망이다.
반면 중국에서는 소셜렌딩이 급속도로 확대되었지만 2018년 들어 중국 당국에 의한 등록제 도입 결정 등의 규제가 강화되면서 확대 속도가 둔화되고 있다.
P2P 금융 = 소셜렌딩의 미래
소셜렌딩의 선구자격인 ZOPA가 영국에서 등장한 것은 2005년이다. ZOPA는 지금까지 170억 달러 가까운 투자를 받았으며 수백 명의 직원을 거느리고 있어 이미 스타트업 단계에서 벗어났다고 볼 수 있다. ZOPA에 이어서 미국의 Prosper와 Lending Club도 등장했고 그중 Lending Club은 세계 최대의 소셜렌딩 플랫폼으로 성장했다. 유럽에서는 독일 핀테크의 선구자격인 Auxmoney도 이 분야에 속한다. Auxmoney는 2007년 창업한 이래 ZOPA를 추월해 200억 달러 가까운 투자를 받았고 유럽에서 플랫폼으로서의 위치를 확고히 다지고 있다.
전 세계에는 개인 간의 금융을 위한 플랫폼이나 서비스가 많이 존재한다. Statista의 통계에 따르면, 영국을 제외한 유럽에서는 소셜렌딩의 거래액이 기업보다 개인 간이 압도적으로 많다.
소셜렌딩과 크라우드펀딩
개인이 프로젝트 등에 필요한 자금을 조달하는 수단으로는 소셜렌딩 외에 크라우드펀딩이 급속도로 보급되어 왔다. 소셜렌딩 플랫폼이 등장하고나서 몇 년 후 세계적인 크라우드펀딩 플랫폼인 인디고고가 2008년에, 킥스타터가 2009년에 각각 설립되었다. 인디고고나 킥스타터는 구입 및 기부형 크라우드펀딩 플랫폼이므로 정확히는 렌딩이 아니지만, 크라우드펀딩 플랫폼으로는 융자형도 있다. 개인에게 자금을 조달한다는 목적은 동일하다.
한국에서도 크라우드펀딩이 보급되어 있고 정부가 활용하기 위해 검토나 제도 정비를 하고 있다. 이처럼 크라우드펀딩의 보급과 함께 유럽보다 좀 늦긴 했지만 한국에서도 개인이 개인에게 출자하고 또 출자를 받을 수 있는 방법이 보급되고 있다고 할 수 있다.
물론 개인이 손쉽게 자금을 조달할 수 있게 되곤 있지만, 크라우드펀딩 캠페인을 비롯해 거액의 자금을 조달한 프로젝트가 무산되는 경우가 속출하는 등 거버넌스 문제도 발생하고 있다.
진정한 P2P 금융 = 소셜렌딩의 미래는 분산형?
P2P 금융은 소셜렌딩과 동일하게 쓰이는 말이지만, 현재 보급되고 있는 서비스는 플랫폼을 운영하는 중앙집권적 조직이 존재해 진정한 ‘P2P’라고는 할 수 없다.
그러나 분산형 시스템을 세상에 알린 비트코인의 탄생으로부터 10년을 맞이하는 현재, 개인 간 융자가 진정한 의미에서 P2P화가 될 조짐이 보이고 있다. 독일 베를린에 거점을 둔 Bitbond는 가상화폐 대출 서비스를 제공하고, 회원제인 SALT Lending에서는 이더리움 블록체인 상의 스마트계약을 이용해 가상화폐를 담보로 하여 신용정보 없이 법정통화를 융자해준다.
이들 서비스의 등장은 무엇을 시사할까? 선진국의 기존 금융기관이 주택대출이나 생활대출 등 개인을 상대로 한 금융 행위는 앞으로도 지속될 가능성이 높다. 하지만 프로젝트에 대한 금융 등 일부 개인 간 금융에 해당하는 것은 향후 스마트계약으로 관리되는 형태가 될 것이며, 거대한 중앙집권적 조직을 중개하지 않고 보급될지도 모른다. 세상에는 아직 은행계좌를 가지지 않은 사람들이 많다. 마이크로파이낸스 분야에서도 분산형 시스템을 이용해 계좌수수료나 거래수수료를 낮출 수 있다면 새로운 고객이나 융자 기회를 개척할 수 있는 가능성이 생긴다.
개인이나 프로젝트가 자금을 조달하기 위한 시스템이 자율분산화한다는 것은 갑작스럽게 생긴 발상은 아니다. 그 선례로서 블록체인을 이용한 분산형 크라우드펀딩 서비스인 Fundition이 있다. Fundition은 Steem 블록체인 상에 구축된 분산형 크라우드펀딩 플랫폼으로, Steem 토큰 외에 비트코인 같은 가상화폐나 법정통화로 프로젝트를 지원할 수 있다. 문제가 생겼을 때 프로젝트와 지원자를 중재하는 구조가 확립되어 있지 않아 현재 상황에서는 보급화에 허들이 있는 것도 부정할 수 없다. 그러나 그런 과제에 대해서는 스마트계약으로 자금을 잠궈놓고 출자자의 합의에 의해 프로젝트가 진행됨에 따라 자금을 프로젝트에 제공한다는 해결책도 생각해볼 수 있다.
소셜렌딩이나 개인 간 금융은 핀테크의 여명기부터 존재하는 오래된 분야지만, 자율분산형 시스템 기술과 보조를 맞추는 형태로 새로운 변화를 모색하고 있다.
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