In a recent discussion on the redesign of the financial system, Yongbeom Kim highlighted the urgent need to modernize the existing credit evaluation framework, which he described as outdated. This call for reform comes at a time when financial institutions are grappling with a shifting economic landscape, characterized by a recent decline in growth momentum, as indicated by a three-month rate of change in economic indicators. The sentiment surrounding financial reforms has remained neutral, reflecting a cautious approach among stakeholders who are navigating the complexities of credit assessment and risk management. As policymakers and industry leaders engage in these critical discussions, the emphasis on updating credit evaluation processes could potentially enhance the resilience of the financial system, ensuring it is better equipped to address contemporary challenges and support sustainable economic growth.