---- 20자 미만일때..
with res as (
select '가나다라 마바사 asd파타하' txt  union all
select '가나다라 마바' 
)
select a.txt , substring( a.txt , 10,1)
     , case ceiling( len(a.txt) / 10.)
       when 1 then a.txt
       when 2 then   STUFF ( a.txt , 10 , 1 , substring( a.txt , 10,1)+'/' )
      end    
  from res a
 
 
-- 20자 이상이 있을때 
-- http://www.sqler.com/141578 
with res as (
 select 1 id, '가나다라 마바사 asd파타하' txt union all
 select 2 id, '가나다라 ' txt union all
 select 3 id, '가나다라 마바사 asd파타하abcdefghijklmnopqrstuvwxyz' txt  
) ,
result as (
 select a.id  , a.txt   , b.no
   , substring( a.txt , ( b.no * 10) + 1, 10) name
  from res a
  cross apply
  ( select number [no]
   from master.dbo.spt_values
  where type = 'P'
   and number < ceiling( len(a.txt) / 10.) ) as b )
SELECT
        DISTINCT
        id
        , STUFF(
               (SELECT '/' + name AS [text()] FROM result b WHERE b.id = a.id FOR XML PATH(''))
               ,  1,  1,  ''
               ) AS name_csv
FROM result  a
ORDER BY 1