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2. 10 1. 1 2. 5 3. 11 4. 51 5. () 161 6. 189 7. ( ) 205 3. 1. 4. 31. 10 ()( ) . , , . . 2013 90% 51 . , , 3 . 2007 31 , . JOBS , , FSA . 2013 . . . , . . . : 2014. 07. 15() 14:00~16:00 : KT 1 ( 100) : () / : 14:0014:05 (, ) 14:0514:30 14:3015:40 () 15:40~15:55 () 15:55~16:00 / 5. 2. 6. 72. 2009 . . . , , . . . . , . . . . . 1.0 , 2.0 . IT . 5 . . . . . . . SNS . (Think Network) . . . , , , , , . 1 KIST, , , , 2 , . 7. 8 10 2009 6, 2010 ~ 2012, 2013 7, 2013 9 ~ , 1 Open Think Network . 1. 2. 3. 4. 5. 1. , 2. 3. OSMU(One Source Multi Use) 8. 92. IT () 9. 10 10 [] [] 10. 3. 2 11. 133. 12. 14 10 13. 153. 14. 16 10 15. 173. 16. 18 10 17. 193. 18. 20 10 19. 213. 20. 22 10 21. 233. 22. 24 10 23. 253. 24. 26 10 25. 273. 26. 28 10 27. 293. 28. 30 10 29. 313. 30. 32 10 31. 333. 32. 34 10 33. 353. 34. 36 10 35. 373. 36. 38 10 37. 393. 38. 40 10 39. 413. 40. 42 10 41. 433. 42. 44 10 43. 453. 44. 46 10 45. 473. 46. 48 10 47. 493. 48. 4. 49. 534. 10 2014. 7. 15 50. 54 10 2014 10 : : () 28 12 3 : : : 2014. 7. 15 : ( ) : ( ) ( ) ( ) : ( ) ( ) 51. 554. . 57 . 68 1. ? 68 2. 74 3. 80 . 87 1. 87 2. 96 . 113 1. 113 2. 117 3. 122 4. 128 5. 130 6. 133 7. 137 8. 140 . 141 1. 141 2. 144 3. 149 . 152 1. 152 2. 155 158 52. 574. . . (1) , , 2013 90% 51 - G , , , 3 , 2007 31 , - JOBS, , FSA 2013 , - , , , - , , , ( 53. 58 10 ) - - , - , 100 - () - - , , , 54. 594. . , - - - , - (2) () - - 100 90 2013 (, , 2013) 55. 60 10 - 3 , - , - , , - 170 - 2000 3 - , - 2000 , , 2% 56. 614. . , , - , 1/4 - 40, 4 160 - () - , - , ( ) 1 - - 2 57. 62 10 - , (3) - - GDP 1/40 , 2000 17 , , () , , - , , 58. 634. . , , - 6%, 9%, 27% - , - , 3 2 , , 1/40 2 , 59. 64 10 - - , (FDS, Fraud Detection System) - , , - , SNS , (4) : 1950 , , , 60. 654. . 90% , 10% - , - 3 100 - , , , , , , , - 9%, 27% 61. 66 10 - 25 2 , - 1 10 500 - ( ) - - 6 , - , , : - , 2 - , 62. 674. . - 100 20 20 , 63. 68 10 . 1. ? (1) (Crowd funding) (crowd) (funding) , ( ) - , , (Crowd Sourcing) , - (, 2013) - , , , (Crowd) (, 2013) - SNS , (, 2013) (Crowd funding) , , , 2.0 , P2P(peer-to-peer) - 2.0 , , 64. 694. . - 2.0 (social network) , , 1997 (Marillion) 6 1998 '100 ' , , , (, 2013) (2) 1) (www.local- motors.com) - (design) -> (build) -> (Sell) - , 2.0 1) (2013, 3.0), 3.0 , 3 , 2013.11 65. 70 10 (, wisdom of crowds) - (www.quirky.com), (www. kickstarter.com), (Inno-centive.com) 9(ninesigma.com) - 2009 , Surowiecki(2004) - (social funding) , ( ), , 1 (screening) , 1 (, 2013) - , - ( 66. 714. . Zopa ) 3(, 2013) 5(, 2013) [ ] : (2013) (3) 2.0, (SNS) , - , , 3 , 67. 72 10 [ ] , 2007 2008 (, 2013) [ ] : (2014) 68. 734. . , 2.0, 3.0 + 4.0 2012 4 5 JOBS(Jump start Our Business Startups) - 2013 10 - Jobs (Steve Jobs) 2013 2 Crowdcube - Crowdcube FSA(Financial Service Authority) 31,000 578 ( , 2013) 2013 7 , (KIAT, 2013) 69. 74 10 - [ ] 2. (1) 4 SNS , () (Donation), (Reward), (Lending), (Equity) 70. 754. . - (reward) - [ ] All-or-Nothing, Keep-in-All - All-or-Nothing - Keep-in-All - All-or-Nothing, Keep-in-All 2 71. 76 10 (2) (Donation) , - 1,000 , 10 , 10 , - (, 2012) (Reward) (rewards) , , , , , - ( , 2013) - , (, 2013) 2008 (indiegogo.com) - 72. 774. . (backer ) (, 2013) 2009 4 (kickstarter.com) (reward) - Kickstarter.com Scott Wilson - 3D , , 2 10 , 1,030 (3) (Lending) , - 2005 zopa.com , 2007 P2P(peer-to-peer) - 2007 lendingclub.com 2013 4 16 (, 2013) , , , , - , 73. 78 10 peer-to-peer lending , - , , ( , 2013) , , - (, 2013) (Equity) , , , - 2010 crowdcube.com , 2011 symbid.com (Direct Public Offering: DPO) (Initial Public Offering: IPO) , ( , ) - (DPO) 74. 794. . , , () , - (DPO) , (Startup: ) - JOBS , , - , - (, 2013) - 75. 80 10 - - [ ] 3. (1) 2013 51 89% , 2007 5 - 2012 27 81% , 2011 64% 76. 814. . 95% - 2012 105% , 65% [ ] : (2013), Massolution(2012) [ ] : Worldbank, (2013) 77. 82 10 - 2011 59% 2012 125% , 2012 12 111% , 9.79 45% - , , 2012 30% 1 15 , - 2012 19 40 , 2011 2 [ ] : Massolution(2013) , (2013) 78. 834. . , 2012 65%(68) , 22%(25), 15% 50% , 91% , (, 2013) [ ] : Massolution(2013) , (2013) Massolution 15 , 10 - 27.4% 41 , 16.9%, 11.9%, 7.5%, 5.9%, 5.5%, 4.8%, 4.8%, 3.5%, 3.2% (2) 2006 2007 , 79. 84 10 P2P(peer-to-peer) - 2007 , 2010 , , , 3013 31 , - 2, 4, 3, 22 , () - 2013 (opentrade.co.kr) , 49