(1) A person eligible to obtain permission for a personal credit rating business, credit investigation business, or claims collection business shall be limited to the following persons; provided, this shall not apply to a personal credit rating business (hereinafter referred to as "specialized personal credit rating business") that processes information, other than personal credit information on financial transactions prescribed by Presidential Decree and personal credit information intensively managed and used by a centralized credit information collection agency under Article 25(2)1: <Amended on Apr. 5, 2010; Mar. 29, 2016; Feb. 4, 2020>
1. A corporation, at least 50/100 of the capital of which is invested by financial institutions, etc. prescribed by Presidential Decree;
2. The Korea Credit Guarantee Fund established pursuant to the Credit Guarantee Fund Act;
3. The Korea Technology Finance Corporation established pursuant to the Korea Technology Finance Corporation Act;
4. A credit guarantee foundation established pursuant to the Regional Credit Guarantee Foundation Act;
5. The Korea Trade Insurance Corporation established pursuant the Trade Insurance Act;
6. A corporation, at least 50/100 of the capital of which is invested by a person who has obtained permission for all or some of a credit information business or claims collection business; provided, cases where an investor engages in the same kind of business as the corporation invested, shall be excluded.
(2) Any of the following persons shall be eligible to obtain permission for a sole proprietor credit rating business: <Added on Feb. 4, 2020>
1. A personal credit rating company (excluding a specialized personal credit rating company);
2. A corporate credit inquiry company engaged in providing corporate credit ratings;
3. A credit card business operator under the Specialized Credit Finance Business Act;
4. A person provided in paragraph (1)1;
5. A person provided in paragraph (1)6.
(3) Any of the following persons shall be eligible for obtaining permission for a corporate credit inquiry business; provided, a person who intends to engage in the business affairs of providing corporate credit ratings or technology credit ratings shall be limited to a person falling under subparagraph 1, 2, or 4: <Added on Feb. 4, 2020>
1. A person provided in paragraph (1)1;
2. A person provided in paragraph (1)2 through 6;
3. A stock company established under the Commercial Act;
4. Corporations prescribed by Presidential Decree in consideration of the characteristics of the business affairs of providing technology credit ratings, the purpose of incorporation, etc.
(4) Notwithstanding paragraph (3), none of the following persons shall be eligible to obtain permission for business affairs under subparagraph 8-3b and c of Article 2: <Added on Feb. 4, 2020; Dec. 29, 2020>
1. A corporation in which a member company of a business group subject to disclosure and business group subject to limitations on cross shareholding prescribed in Article 31(1) of the Monopoly Regulation and Fair Trade Act has invested in excess of 10/100;
2. A corporation in which a person under Article 9(17)3-2 of the Financial Investment Services and Capital Markets Act (hereafter referred to as "credit rating company" in this Article) or a company engaged in a business similar to a credit rating company in a foreign country has invested in excess of 10/100;
3. A corporation, the largest shareholder of which is a company provided in subparagraph 1 or 2.[Title Amended on Feb. 4, 2020]