제4 인뱅 선정… 자금력·혁신·포용성 중점 평가한다

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<span class="naver-splugin-c send_caption"><span class="u_hc">SNS 보내기</span></span> </a> </div> <div class="media_end_head_print"> <a href="#" class="media_end_print_link _PRINT_BUTTON" data-print-url="/article/print/022/0003989934" data-clk="print"><span class="blind">인쇄하기</span></a> </div> </div> </div> </div> </div> <div id="contents" class="newsct_body"> <div id="newsct_article" class="newsct_article _article_body"> <article id="dic_area" class="go_trans _article_content"> <b><b>금융당국, 인가 심사기준 공개<br><br>혁신성에 기존같이 350점 ‘최고 배점’<br>비수도권 中企 자금공급계획 배점 신설<br>“지역 금융까지 포용 확대” 차별화 포석<br><br>시중銀 등과 결합 컨소시엄 5곳 출사표<br>대부분 中企·소상공인 특화은행 지향<br>더존뱅크·한국소호은행 유력 후보로<br>2025년 1분기 신청 접수… 상반기 중 발표</b><br></b><br><table class="nbd_table"><tbody><tr><td> <span class="end_photo_org"><div class="nbd_im_w _LAZY_LOADING_WRAP "> <div class="nbd_a _LAZY_LOADING_ERROR_HIDE" id="img_a1"> <img id="img1" data-src="https://imgnews.pstatic.net/image/022/2024/11/28/20241128518137_20241128190211254.jpg?type=w860" class="_LAZY_LOADING _LAZY_LOADING_INIT_HIDE" alt="" style="display: none;" /> </div> </div></span></td></tr></tbody></table> 케이·카카오·토스뱅크의 뒤를 잇는 제4인터넷전문은행 선정을 위한 본격적인 막이 내년 1분기 오른다. 금융당국은 ‘혁신·포용·지속가능성’에 중점을 두고 제4인뱅 인가 심사에 나서겠다고 밝혔다. 이미 각 사는 컨소시엄을 꾸리고 물밑 경쟁에 돌입한 가운데, 이르면 2026년 초쯤 새로운 인터넷은행이 등장할 전망이다.<br> <br> 금융위원회는 네 번째 인터넷전문은행 신규 인가를 위한 구체적인 심사기준을 28일 공개했다. 금융위는 자금조달 안정성과 사업계획의 혁신성 및 포용성을 중점 심사기준으로 제시하면서 인가 은행 개수에 제한을 두지 않았다. 요건을 충족하는 곳이 없다면 선정하지 않을 수도 있다는 뜻이다.<br>  <br> 금융위는 예비인가 평가 항목 및 배점으로 △자본금 및 자금조달방안(150점) △대주주 및 주주구성계획(50점) △사업계획 혁신성(350점) △사업계획 포용성(200점) △사업계획 안전성(200점) △인력·영업시설·전산체계·물적설비(50점) 등 총 1000점으로 구성했다고 밝혔다.<br> <table class="nbd_table"><tbody><tr><td> <span class="end_photo_org"><div class="nbd_im_w _LAZY_LOADING_WRAP "> <div class="nbd_a _LAZY_LOADING_ERROR_HIDE" id="img_a2"> <img id="img2" data-src="https://imgnews.pstatic.net/image/022/2024/11/28/20241128517568_20241128190211256.jpg?type=w860" class="_LAZY_LOADING _LAZY_LOADING_INIT_HIDE" alt="" style="display: none;" /> </div> </div></span> </td></tr><tr><td> 사진=뉴시스 </td></tr></tbody></table> 혁신성에 가장 많은 배점이 부여됐지만, 이는 케이·카카오뱅크(2015년), 토스뱅크(2019년) 등 기존 인터넷은행 3사 예비인가 심사 당시와 같은 배점이다. 배점이 올라간 부분은 자본금 및 자금조달방안(100점→150점), 사업계획의 포용성(2015년 140점·2019년 150점→200점) 부분이다. 특히 금융 수요 대비 공급이 부족한 비수도권 중소기업(소상공인 포함)에 자금공급 계획(50점)을 처음으로 넣기로 한 것이 주목된다. 금융위는 기존 금융권에서 자금공급이 충분하지 못했던 고객군이나 지역에 대한 자금공급계획 제공 여부를 평가하겠다고 설명했다.<br>  <br> 안창국 금융위 금융산업국장은 “지역 금융 공급이 새로운 배점 요소로 들어갔는데"(기존 인뱅 3사가) 차별성이 미흡했다는 지적이 있으니 지역 금융 등 시야를 넓혀서 보자는 취지”라며 “지역을 기반으로 자금을 공급하는 기관과 결합하는 모델이라든지, 기존 금융권과 협력하는 모델 등도 생각해볼 수 있을 것 같다”고 덧붙였다.<br>  <br> 제4인뱅을 향한 각축전은 이미 시작된 상황이다. 금융권에 따르면 현재까지 출범을 선언한 제4인뱅 컨소시엄은 △더존뱅크 △한국소호은행(KCD뱅크) △유뱅크(U-Bank) △소소뱅크 △AMZ뱅크 등 모두 다섯 곳이다. 컨소시엄은 시중 은행을 비롯해 보험사와 ICT(정보통신기술) 업체 등으로 구성됐다. 이들 대부분은 중소기업 및 소상공인 특화 은행을 지향하고 있다.<br> <table class="nbd_table"><tbody><tr><td> <span class="end_photo_org"><div class="nbd_im_w _LAZY_LOADING_WRAP "> <div class="nbd_a _LAZY_LOADING_ERROR_HIDE" id="img_a3"> <img id="img3" data-src="https://imgnews.pstatic.net/image/022/2024/11/28/20241128517555_20241128190211260.jpg?type=w860" class="_LAZY_LOADING _LAZY_LOADING_INIT_HIDE" alt="" style="display: none;" /> </div> </div></span></td></tr></tbody></table> 업계에서는 유력한 곳으로 더존뱅크와 한국소호은행이 꼽힌다. 자원관리(ERP) 소프트웨어 공급 기업인 더존비즈온이 주도하는 더존뱅크는 중소기업·소상공인 특화 인터넷은행을 설립해 기업 데이터 기반의 혁신 금융을 선보이겠다는 포부를 내세웠다. 컨소시엄 합류를 검토 중인 신한은행과 DB손해보험이 함께할 경우 자본력까지 강화될 전망이다.<br> <br> 핀테크 기업 KCD(한국신용데이터)를 주축으로 만들어진 한국소호은행도 소상공인 특화 은행을 추구한다. KCD가 운영 중인 소상공인 경영관리 서비스 ‘캐시노트’를 통해 소상공인 데이터를 활용할 수 있고 컨소시엄 중 유일하게 시중 은행인 우리은행이 참여를 확정한 부분도 강점으로 여겨진다. 교육, 핀테크, 백화점, 보험, 부동산 등 다양한 업종이 모인 유뱅크는 중소기업·소상공인은 물론 시니어, 외국인에 대한 지속가능한 포용 금융 실현을 목표로 한다.<br> <br> 이번 신규 인가 심사기준에 따른 예비인가 신청서 접수는 내년 1분기에 진행할 것으로 예상된다. 구체적인 접수 일정은 다음 달로 예정된 인가 설명회에서 희망 사업자 대상 의견 수렴을 거쳐 확정·발표할 계획이다. 내년 상반기 중 예비인가 심사 결과를 발표한다. 이에 따라 이르면 내년 중 본인가가 가능할 것으로 보인다.<br><br> </article> </div> <div class="byline"> <p class="byline_p"> <span class="byline_s">박미영·이도형 기자</span> </p> </div> <div class="newsct_journalist"> <div class="newsct_journalist_inner"> <h4 class="blind">기자 프로필</h4> <div class="media_journalistcard _JOURNALIST_CARD _MORE_WRAP"> <div id="JOURNALIST_CARD_LIST" class="media_journalistcard_inner"> <div class="media_journalistcard_item _SUBSCRIBE_ELE" data-subscribe-type="JOURNALIST" data-current-subscribe="true"> <div class="media_journalistcard_item_inner"> <div class="media_journalistcard_intro"> <div class="media_journalistcard_summary"> <span 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없습니다.","5003":"정상적으로 반영되지 않았습니다. 화면 새로고침 후 다시 시도해 주세요.","5006":"자신의 글에 공감 할 수 없습니다.","5008":"자신의 글에 비공감 할 수 없습니다.","5010":"댓글/답글은 60초 내에 한 개만 등록하실 수 있습니다.","5026":"공감/비공감은 최근 24시간내 50회까지 가능합니다.","5027":"공감/비공감은 10초 내에 한 번만 클릭하실 수 있습니다.","5029":"기사당 댓글은 3개, 답글은 10개까지 작성할 수 있습니다.","5080":"실명확인을 받지 않은 아이디는 가입 이후 7일이 지난 시점부터 댓글 활동이 가능합니다.","5091":"본인 확인이 되지 않은 계정입니다. 본인 확인 후 다시 시도해주세요."},"bSortCookie":true,"bMobile":false,"bShowReply":false,"bManager":false,"sDomain":"https://ssl.pstatic.net/static.cbox","sCountry":"KR","nUserCommentPageSize":20,"sLanguage":"ko","sDateFormat":"Y.m.d. 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alt=""></span><em>세계일보</em>가 이 기사의 댓글 정책을 결정합니다. <span class="changecmt_info"> <button type="button" class="changecmt_info_icon _layer_notice_btn _TOGGLE" data-target="_COMMENT_NOTICE_INFO_LAYER" data-classValue="is_hidden">안내</button><span id="_COMMENT_NOTICE_INFO_LAYER" class="changecmt_layer _layer_notice is_hidden"> <strong class="changecmt_info_title"><span class="changecmt_ico_help"></span>댓글 정책 언론사별 선택제</strong> <span class="changecmt_info_txt">섹션별로 기사의 댓글 제공여부와 정렬방식을 <br>언론사가 직접 결정합니다. 기사 섹션 정보가<br>정치/선거를 포함하는 경우 정치/선거섹션 정책이<br>적용됩니다. 단, 운영규정에 따른<br>삭제나 이용제한 조치는 네이버가 직접<br>수행합니다.</span> <button class="changecmt_btn_info_close _close_layer _TOGGLE" data-target="_COMMENT_NOTICE_INFO_LAYER" data-classValue="is_hidden">레이어 닫기</button> </span> </span> </p> </div> <div id="cbox_module" class="_COMMENT _COMMENT_HIDE"> </div><div class="rankingnews mobile_hidden is_hidden _TEMPLATE" data-grid-template-column-aside="true" data-template-id="OFFICE_HEADLINE_FLAT"> <div class="ra_head"> 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href="https://nid.naver.com/nidlogin.login?svctype=262144" class="u_cra _LINK" data-url="https://nid.naver.com/nidlogin.login?svctype=262144" data-pc-url="https://nid.naver.com/nidlogin.login" data-clk="fot.login">로그인</a> </span> <span class="u_cri u_cri_v1"> <a href="https://m.naver.com/services.html?f=svc.news" class="u_cra _LINK" data-url="https://m.naver.com/services.html?f=svc.news" data-pc-url="https://www.naver.com/more.html" data-clk="fot.serviceall">전체서비스</a> </span> </span> <span class="u_ftm"> <span class="u_cri u_cri_v1"> <a href="https://m.news.naver.com/ombudsman/index" class="u_cra _LINK" data-url="https://m.news.naver.com/ombudsman/index" data-pc-url="https://news.naver.com/main/ombudsman/index.naver" data-clk="fot.guide">서비스안내</a> </span> <span class="u_cri u_cri_v1"> <a href="https://help.naver.com/alias/news/news_001.naver" class="u_cra" data-clk="fot.report">오류신고</a> </span> <span class="u_cri u_cri_v1"> <a href="https://help.naver.com/alias/news/news_007.naver" class="u_cra" data-clk="fot.help">고객센터</a> </span> </span> <span class="u_charge"> <a href="https://m.news.naver.com/ombudsman/index?mode=rule" class="u_charge_item _LINK" data-clk="fot.editor" data-url="https://m.news.naver.com/ombudsman/index?mode=rule" data-pc-url="https://news.naver.com/main/ombudsman/edit.naver?mid=omb">기사배열 책임자 : 김수향</a> <span class="u_charge_item">청소년 보호 책임자 : 이정규</span> </span> <span class="u_presscopy"> 각 언론사가 직접 콘텐츠를 편집합니다. <span class="u_presscopy_a">ⓒ 세계일보</span> </span> <span class="u_copyright"> 이 콘텐츠의 저작권은 저작권자 또는 제공처에 있으며, 이를 무단 <br>이용하는 경우 저작권법 등에 따라 법적 책임을 질 수 있습니다. </span> <span class="u_naverlogo"> <a href="https://www.navercorp.com" class="u_naverlogo_a" data-clk="fot.navercorp">NAVER</a> </span> </p> </footer> </div> </div> <a href="#" class="r_pg_top show _MOVE_TOP" id="goTop" data-clk="fot.top" style="display:none;">맨위로</a> <div id="_MY_FEED_CANCEL_MODAL" class="subscribe_dimmed is_hidden" style="display:none;"> <div class="subscribe_alert"> <p class="subscribe_alert_p _message _MY_FFED_CANCEL_MODAL_MESSAGE"> </p> <div class="subscribe_alert_btns"> <a href="#" class="subscribe_alert_btn _CANCEL_YES_BTN _TOGGLE" data-target="_MY_FEED_CANCEL_MODAL" data-classValue="is_hidden">예</a> <a href="#" class="subscribe_alert_btn _TOGGLE" data-target="_MY_FEED_CANCEL_MODAL" data-classValue="is_hidden">아니오</a> </div> </div> </div> <script type="x-tmpl-mustache" class="_MY_FEED_CANCEL_MODAL_TEMPLATE"> {{#series}} <span class="subscribe_alert_p_ellipsis">{{value}}</span><br>연재 구독을 취소하시겠습니까? <span class="subscribe_alert_p_dsc">해당 연재는 <em>구독</em>에서 제외됩니다.</span> {{/series}} {{#journalist}} {{value}} 기자의 기사<br> 구독을 취소하시겠습니까? <span class="subscribe_alert_p_dsc"><em>구독</em>에서 해당 기자의 기사가 제외됩니다.</span> {{/journalist}} </script> <div id="_MODAL_LAYER_FOR_NOTIFICATION" class="modal is_hidden"></div> <div id="_MODAL_LAYER_FOR_NOTIFICATION_ALL" class="modal is_hidden"></div> <div id="_MODAL_LAYER_FOR_NOTIFICATION_OS" class="modal is_hidden"></div> <script type="x-tmpl-mustache" class="_MODAL_LAYER_TEMPLATE_FOR_NOTIFICATION"> <div class="m_dimmed"></div> <div class="m_notification is_single"> <strong class="mn_ok">구독완료</strong> {{#officeInfos}} <div class="mn_text"> <h4 class="mn_h">{{officeName}} 뉴스를 <br> <span class="m_em">알림</span>으로 받아 보시겠습니까?</h4> <p class="mn_p">언론사의 주요 콘텐츠를 <br> 네이버에서 빠르게 확인할 수 있습니다.</p> </div> {{/officeInfos}} <div class="mn_btns"> <button type="button" class="mn_btn _MODAL_LAYER_NEGATIVE" data-clk="{{nclk}}no">닫기</button> <button type="button" class="mn_btn as_em _MODAL_LAYER_POSITIVE" data-clk="{{nclk}}yes">알림받기</button> </div> </div> </script> <script type="x-tmpl-mustache" class="_MODAL_LAYER_TEMPLATE_FOR_NOTIFICATION_ALL"> <div class="m_dimmed"></div> <div class="m_notification"> <strong class="mn_ok">구독완료</strong> <div class="mn_text"> <h4 class="mn_h">언론사의 주요 뉴스를 <br> <span class="m_em">알림</span>으로 받아 보시겠습니까?</h4> <ul class="mn_list"> {{#officeInfos}} <li class="mn_item"> <div class="mn_head"> <div class="mn_img"> <img src="{{logo}}" alt="" onerror="this.outerHTML='<span class="no_image"></span>'"> </div> <div class="mn_name">{{officeName}}</div> </div> <div class="mn_body"> <button type="button" class="mn_noti _ALL_OFFICES_NOTIFICATION_ITEM" data-oid="{{officeId}}" data-clk-add="notchnon" data-clk-remove="notchnoff">알림받기 사용함</button> </div> </li> {{/officeInfos}} </ul> </div> <div class="mn_btns"> <button type="button" class="mn_btn _MODAL_LAYER_NEGATIVE" data-clk="{{nclk}}no">닫기</button> <button type="button" class="mn_btn as_em _MODAL_LAYER_POSITIVE _CHANNEL_BANNER_ITEM_NOTICE_COMPLETE" data-clk="{{nclk}}yes">완료</button> </div> </div> </script> <script type="x-tmpl-mustache" class="_MODAL_LAYER_TEMPLATE_FOR_NOTIFICATION_OS"> <div class="m_dimmed"></div> <div class="napp_notify_notice"> <div class="napp_notify_info_area"> <strong class="napp_notify_title">네이버 앱 푸시알림이 꺼져있어요.</strong> <div class="napp_notify_desc_box"> <p class="napp_notify_desc1">네이버 앱 알림켜기 > 알림탭 > 알림허용</p> <p class="napp_notify_desc2">버튼을 눌러 앱 알림 설정을 켜주세요.</p> </div> </div> <div class="napp_notify_button_area"> <button type="button" class="napp_notify_btn _MODAL_LAYER_NEGATIVE" data-clk="{{nclk}}.osnotoff">닫기</button> <button type="button" class="napp_notify_btn highlight _MODAL_LAYER_POSITIVE _NAPP_NOTIFY_COMPLETE" data-clk="{{nclk}}.osnoton">네이버 앱 알림 켜기</button> </div> </div> </div> </script> <div id="_MODAL_DIALOG_WRAP" style="display: none;"></div> <script type="x-tmpl-mustache" class="_MODAL_DIALOG_TEMPLATE"> <div class="nds_dialog_dimmed"> <div class="nds_dialog_basic"> <div class="nds_dialog_content"> {{#isTextType}} <p class="nds_dialog_text">{{content.title}}</p> {{/isTextType}} {{#isTitleType}} <strong class="nds_dialog_title"> <span class="nds_dialog_title_ellipsis">{{content.headTitle}}</span> {{content.title}} </strong> <p class="nds_dialog_description">{{content.description}}</p> {{/isTitleType}} </div> <div class="nds_dialog_button_area"> <div class="nds_button_main_action as_layout_5_5"> {{#isCancel}} <button type="button" class="nds_button_wide _MODAL_CANCEL"{{#content.clk.cancelClk}} data-clk="{{content.clk.cancelClk}}"{{/content.clk.cancelClk}}> {{content.cancelMessage}} </button> {{/isCancel}} <button type="button" class="nds_button_wide as_primary _MODAL_CONFIRM"{{#content.clk.confirmClk}} data-clk="{{content.clk.confirmClk}}"{{/content.clk.confirmClk}}> {{content.confirmMessage}} </button> </div> </div> </div> </div> </script> <div id="_MODAL_TOAST" style="display: none;"></div> <script type="x-tmpl-mustache" class="_MODAL_TOAST_TEMPLATE"> <div class="nds_popover_toast as_center"> <div class="nds_toast_text_area"> <div class="nds_toast_text_area"><span class="nds_toast_ellipsis_text"><strong>{{toastTitle}}</strong></span> {{toastMessage}}</div> </div> </div> </script> <div id="_TICKER_LAYER_FOR_NOTIFICATION" class="ticker" style="display: none;"></div> <script type="x-tmpl-mustache" class="_TICKER_LAYER_TEMPLATE_FOR_NOTIFICATION"> {{#officeInfos}} <p class="t_inner"><em class="t_point">{{officeName}}</em> 언론사 알림이 설정되었습니다.</p> {{/officeInfos}} </script> <script src="https://static-nnews.pstatic.net/js/min/20250220/library.min.js" crossorigin="anonymous" onerror="neloSender.sendErrorToNelo('스크립트 로딩 에러 : ' + this.src);"></script> <script src="https://static-nnews.pstatic.net/js/min/20250220/read.min.js" crossorigin="anonymous" onerror="neloSender.sendErrorToNelo('스크립트 로딩 에러 : ' + this.src);"></script> <script> window.ntm = window.ntm || []; var ntmOption = {}; if (ntmOption) { var section = {"id":"101","name":"경제"}; var redirectSection = {"id":"101","name":"경제"}; ntmOption["channelId"] = article.officeId; // 기타 또는 주요 섹션 이름 var nilSendSectionName = "기타"; var nilSendSectionId = ""; if (/100|101|102|103|104|105|106|107/.test(section.id)) { nilSendSectionName = section.name; nilSendSectionId = section.id; } // 기사 타입 var htArticleTypeName = { "0": "text", "1": "photo", "2": "tv" }; var articleTypeName = htArticleTypeName[article.type] || ""; ntmOption["hitType"] = "cv"; ntmOption["eventCategory"] = "post_view"; ntmOption["uri"] = "http://news.naver.com/main/read.nhn?oid=022&aid=0003989934"; ntmOption["gdid"] = article.gdid; ntmOption["dimension1"] = encodeURIComponent(nilSendSectionName); ntmOption["dimension4"] = articleTypeName; ntmOption["optional2"] = nilSendSectionId; var journalistIdList = []; // 기자 목록 $("._JOURNALIST_CARD ._JOURNALIST_ID").each(function (index, object) { var $this = $(object); var journalistId = $this.attr("data-journalistId"); if (journalistId && journalistIdList.indexOf(journalistId) === -1) { journalistIdList.push(journalistId); } }); if (journalistIdList.length > 0) { ntmOption["dimension3"] = journalistIdList.join("___"); } if (location.href.match(/ntype=RANKING/)) { ntmOption["dimension5"] = "y"; } if (service.sports || service.newsType) { ntmOption["dimension2"] = article.sectionInfo.secondSection + "." + article.sectionInfo.thirdSection; } var seriesComponentId = $("._VALID_SERIES").attr("data-component-id"); ntmOption["dimension6"] = seriesComponentId; var issueComponentId = $("._ISSUE_ARTICLE_INFO").attr("data-component-id"); ntmOption["dimension8"] = issueComponentId; if (/[?|&]type=breakingnews(&|$)/.test(location.href) === true) { if (/(m\.naver\.com)|(media\.naver\.com)|(news\.naver\.com\/?$)|(www\.naver\.com)/.test(document.referrer) === true) { ntmOption["dimension7"] = "breaking"; } } var ntmLeaveOption = $.extend({}, ntmOption); ntmLeaveOption["hitType"] = "event"; ntmLeaveOption["eventCategory"] = "action"; ntmLeaveOption["eventAction"] = "leave"; if (/\/article\/comment\//.test(location.href) == false && $("#contents").length > 0) { if (window.addEventListener) { window.addEventListener("load", function () { ntm.push({ event: "nilSend", ni: ntmOption }); }, false); window.addEventListener("onpagehide" in window ? "pagehide" : "beforeunload", function () { ntm.push({ event: "nilSend", ni: ntmLeaveOption }); }, false); } else if (window.attachEvent) { window.attachEvent("onload", function () { ntm.push({ event: "nilSend", ni: ntmOption }); }); window.attachEvent("onpagehide" in window ? "onpagehide" : "onbeforeunload", function () { ntm.push({ event: "nilSend", ni: ntmLeaveOption }); }); } else { var onUnloadEventName = "onpagehide" in window ? "onpagehide" : "onbeforeunload"; var fnOnUnload = window[onUnloadEventName]; window[onUnloadEventName] = function () { ntm.push({ event: "nilSend", ni: ntmLeaveOption }); if (fnOnUnload) { fnOnUnload(); } }; var fnOnload = window.onload; window.onload = function () { ntm.push({ event: "nilSend", ni: ntmOption }); if (fnOnload) { fnOnload(); } }; } } } </script> </div> <script> var eventType = "onpageshow" in window ? "pageshow" : "load"; $(window).on(eventType, function() { window.ntm = window.ntm || []; var pageviewInfo = { event: "nLogPageViewService", nlogEvt: { page_layout: window.layoutName } }; pageviewInfo.nLogPageviewSti = "news"; pageviewInfo.nLogPageviewGdid = "880000D2_000000000000000003989934"; window.ntm.push(pageviewInfo); // ma 로그 전송 var data = { "service": "news", "baseInfo": { "category": (/\/article\/comment\//.test(location.href) == true) ? "댓글" : "본문" }, "extraInfo": { "articleId": article.articleId, "sectionId": article.sectionId, "officeId": article.officeId, "articleType": article.type } }; if (typeof ma !== "undefined") { ma.init({ api: "https://ma.news.naver.com/l", data: data, contentBodyEl: document.querySelector("._article_content"), contentBodyVideoWrapperSelector: "._VIDEO_AREA" }); } if (window.matchMedia("(prefers-color-scheme)").media === "not all") { $("html").removeClass("DARK_THEME"); } setTimeout(function() { $("._OPACITY_FADE_TO").fadeTo(50, 1); }, 3000); }); </script> </body> </html>

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