Stakes spirals, Dongdaemun Fashion myth " online mall" style flies' disposal underwriter selection of 22-year-old when fashion start-up founded in Dongdaemun clothes start with the online sales cosmetics, interior Extending the escort standing department stores and duty-free each seemed beyond ransom 500000000000 founded 12 With a sales of 130 billion won in the first year, Shinsegae Department Store and other cosmetics brands,  

In the domestic fashion industry, 'style Nanda' is a success story of an online mall. The Dongdaemun Marketplace online shopping mall with monthly sales of KRW 10 million grew into a company with sales of KRW 130 billion with sister brands such as Cosmetic Brand 'Three Concept Eyes' (3CE) and 'Speak Under Voice' to be. It has been 12 years since Kim So-hee (pictured) of this company started to sell clothes from Dongdaemun market on the internet. 

Style Nanda is a leading brand that has benefited from online shopping growth and Hallyu. By 2011, Style Nanda had a sales loss of KRW 33.9 billion and an operating loss of KRW 500 million. Korean dramas, movies, and songs became popular worldwide, followed by "K fashion" and "K beauty." The company has exceeded sales of 100 billion won (115.1 billion won) in 2014, It is an evaluation that the young women in their 20s and 30s have focused on the concept of 'sexy slimy', 'sister-in-law', and 'caustic ratio (price versus performance)'.

In September 2012, Lotte Department Store in Sogong-dong, Seoul, opened a store in Yeonpullaza, and opened an era of online store brands' entry into department stores. In 2013, he was named "CNN's Korean hot brand 10", followed by MCM line Friends Amore in 2014 and ranked as one of the most favorite brands by Chinese tourists. Currently, Lotte Department Store and Hyundai Department Store are located in 13 duty-free shops including 14 domestic department stores such as YuFlex and Hanhwa Galleria Duty-Free Shop.

The speed of overseas expansion is also steep. Through the global cosmetics distribution channel, Sephiroth entered Hong Kong, Thailand, and Indonesia, where Korean beauty and K beauty are popular. Singapore, Malaysia, Australia, Hong Kong, the Philippines, Japan, China and the UK. This year, it landed in Harajuku, Tokyo, Japan, followed by 150 stores in China. 

As the business boomed like this, he said Kim himself felt the necessity of recruiting professional managers. Style Nanda said, "We do not plan to sell the management rights yet, but we are considering various measures because it is necessary to attract investment." An investment banker said, "The sale of the stake is aimed at saving the capital and partners needed to enter the overseas market." The decision to appoint a foreign securities company as the manager is also in line with the alliance with global companies. " did. 

It is also planning to sell the largest stake beyond some stake. An IB official said, "Because of Kim's affection for fashion business, there is a possibility that it will be a transaction to attract a small number of shares." Even if the stake exceeds the maximum, Kim will continue to take over the management. It is an observation that Kim will give a portion of his stake and a representative position because of the symbolism of 'style Nanda = Kim Soh-hee', and will manage the brand.

The sellers were found to be interested in selling to domestic and overseas distribution and cosmetics companies and large private equity (PEF) management companies. In Korea, Lotte Department Store and Shinsegae Department Store, which are trying to strengthen online shopping malls, are considered as candidates for the acquisition. 

In the overseas market, global cosmetics companies such as France's L'Oreal and Japan's Shiseido are eyeing the sale. Global cosmetics companies are reported to be interested in 3CE, a cosmetics brand of Styl Nanda. 

Annual income over total loans from 750 to 900% by management 

"rather than mortgage repayment ability to evaluate" LTI seemed lower

The Financial Supervisory Commission (FSC) regulates individual business lending by the ratio of loans to income (LTI). LTI is a system that checks the ability of a self-employed person to repay more than 100 million won. 

The LTI was originally operated by the bank itself, but last month it was formulated through a guideline for individual loan management. The LTI is expected to decline as the financial authorities are in direct control. The amount of money a self-employed person can borrow is reduced accordingly. 

◇ One billion won

to build a billion won annually The financial authorities do not present the level of LTI regulation, but used it as a reference for loan review. As it is an autonomous policy, the concept and application ratio of LTI for each bank is very different. An official of a commercial bank said, "We usually manage the loan amount to 750 ~ 900% of the annual income and 30% of the annual income to the annual income." 

When you buy a building worth 1 billion won to rent a building, the maximum loan limit is 500 to 600 million won. The bank does not just lend the money, but also raises enough rental income to repay it. 

Assuming a rental income of KRW 60 million a year, the total loan amount (in the case of 500 million KRW) is about 830% of the annual income. If interest is paid at a 3% interest rate on a loan, if the principal is repaid at the expiration of the interest rate, the repayment of principal and interest (15 million won) will be 25%. It is the policy of the bank to provide loans when meeting the LTI requirements. 

◇ Repayment ability evaluation formulated ... 

Strengthening regulations on lending to private providers can serve as a deterrent to the base rate hikes. The balance of individual borrowers in the commercial banks was 199.888 trillion won at the end of last month, and they are hurt by the recession because they are focused on specific industries such as rental business and restaurant business. 

The Financial Services Authority formulated the LTI, raising the threshold for individual borrowers. A financial official said, "In the past, we did not make as much as individual household loans to assess the income of household loans," he said. "In the future, individual business lenders will focus on repayment through income rather than on collateral collection." 

Another LTI official said, "LTI had room to spare compared to the rate of mortgage approval (LTV) and total debt repayment ratio (DTI)." I looked forward.

Banks, 'old workplace' old saying ... "I do not know what to expect, 
" he said 

. 
The appearance of K bank, Kabin ... Gather customer fleets 
while branch line services are increasingly stretched 

officers promoted even 1-2 years in the 'out' 
banker yiraseo 'lending reverse discrimination' is also 

even more benefits, such as income, child care environments 
more similar to house couples sex ratio

Great salary and well-dressed ... . A banker is an emerging world. The bank is the top job for Jena and now for the job - seeker. But the bankers are saying, "It's not like before." In the era of low growth, it has been fiercely competitive in sales, and since the introduction of Internet banking experts, the market has been shaking even more. The tellers have to sweat to deal with so-called "truthful customers". With the advent of various online and mobile products, it is not always a good idea to take your smartphone and ask your friends for financial products once or twice. I listened to Lee Dae - Ari's talk about the Kim Dae - 

Strong emotional and physical labor

Employees at bank branches appeal for aftereffects due to everyday emotional labor. Not only have the number of branch offices decreased but the number of 'bad customers' has also increased. Most of them are looking for business branches in an upset situation due to problems when using non-face-to-face channels such as online banking. 

A representative working at a commercial bank metropolitan area branch office is greatly stressed by the customer complaints that are pushed to the window every day. It was not long ago that I met a customer who was in trouble. A customer came to the window and said, "Why do you wait so long?" The agent responded softly, but the customer replied, "Are you ignoring me now? I'll let you know, "he whispered in front of the window. Dang says that he went to the stall on his way to work on that day and was satisfied with the soju. It is said that it started to take depression drug recently.

"When I hear the complaints of customers who are hard to understand every day, I feel like I have become an emotional garbage bin. I would like to leave the window. "The 

business environment was not the same as the pin tech (financial technology) It was an old saying that cool in summer and warm in winter. There is a lot of time to run outside in summer and winter for business. 

Kim, who works at a local bank in Seoul, said, "It is not once or twice that I went out to the office to get a commercial tent at a good spot when I checked the residents of a redevelopment apartment near a branch. There is also the concept of 'outpost' (area), and sometimes there is a competition between different branches of the same bank. 

Cards, and mobile apps (application programs). Bankers became more distressed as new apps appeared in each bank unceasingly. Lee said, "At first, I went to a good job. I had a lot of effort on my shoulders. Nowadays, when I ask my friends to join various products, I feel bad feeling of self-esteem." Deeply embarrassing 

deputy 'Deep' deputy manager 'Deep greetings for

every bank are one of the worries of Kim Dae - Most banks are able to advance from the seniority to the deputy, but more than that is the star of the sky. This is because the deputy chiefs who entered the large-scale public bonds in the 1990s boom did not get promoted on time, I have been working as a deputy for more than 10 years.

One commercial bank chief said, "Ten years ago, when a new employee came in and a branch manager said that his goal was to be timid, he praised him as a talented person nowadays." There is also a saying that there is nothing more to be promoted through competition. He is promoted to an executive and he will take off his clothes in a year or two. It is better to work until the age of entering the wage peak system and get a special honorary retirement allowance. 

This kind of atmosphere is spreading to job-seekers. There are more rewards, but banks tend to be more competitive and more intense. "If you get more than two places, you have to pay a lot of salaries, but avoid the banks with the most competition, and choose a bank that will be slim and long," said a financial industry recruitment student. 

The banker who is looking for an internet bank is a banker who

seems to be a bit of a financial engineer but he gets discriminated against when he borrows money. As a result of regulation on the loan of employees according to the Financial Supervisory Regulation, the banks that are in office can only receive credit loans up to 20 million won. Inevitably, a banker has to find another bank. Kim Dai, who works for the Seoul Sales Department of the local bank, said, "Even if we look at loans from other banks due to the company's loan limit, it seems to require higher interest rates than those with similar income." 

For this reason, bankers who go to commercial banks are also crowding into Internet professional banks. Kim Dae-jung said, "Kakao Bank joined the bank shortly after opening the door to open a minus account," he said. "I joined more than half of the department's internet banking specialists.

[Kim Sang Jang & Lee Dae Ri] Clear Uruk tang, Halmat tang ... "Please taste the broth!"

Although marriage and childcare have increased the difficulty of the top job, there are still many benefits to be enjoyed as a banker. For unmarried doctors, it is considered as one of the merits that it is a good environment to meet a partner. There is a large number of in-house couples because the ratio of the male and female branches is similar and most of the employees work together. A deputy manager of the four commercial banks said, "20 to 30 percent based on the up and down riders are a couple in the company or a couple of bankers," he said. The childcare environment is also good. Up to two years of parental leave can be used freely and there are fewer penalties for leaving work. In recent years, flexible working arrangements that can adjust working hours to the conditions are also being introduced.