{"id":10536,"date":"2025-12-14T08:27:38","date_gmt":"2025-12-13T23:27:38","guid":{"rendered":"https:\/\/www.doochang.co.kr\/blog\/%ec%96%b5%eb%a7%8c%ec%9e%a5%ec%9e%90%eb%93%a4%ec%9d%b4-%ec%9a%b0%eb%a0%a4%ed%95%98%eb%8a%94-%ea%b8%88%ec%9c%b5%ec%8b%9c%ec%9e%a5-%eb%a6%ac%ec%8a%a4%ed%81%ac%ec%9d%98-%ec%a4%91%ec%8b%ac%ec%9d%80\/"},"modified":"2025-12-14T08:27:38","modified_gmt":"2025-12-13T23:27:38","slug":"%ec%96%b5%eb%a7%8c%ec%9e%a5%ec%9e%90%eb%93%a4%ec%9d%b4-%ec%9a%b0%eb%a0%a4%ed%95%98%eb%8a%94-%ea%b8%88%ec%9c%b5%ec%8b%9c%ec%9e%a5-%eb%a6%ac%ec%8a%a4%ed%81%ac%ec%9d%98-%ec%a4%91%ec%8b%ac%ec%9d%80","status":"publish","type":"post","link":"https:\/\/www.doochang.co.kr\/blog\/%ec%96%b5%eb%a7%8c%ec%9e%a5%ec%9e%90%eb%93%a4%ec%9d%b4-%ec%9a%b0%eb%a0%a4%ed%95%98%eb%8a%94-%ea%b8%88%ec%9c%b5%ec%8b%9c%ec%9e%a5-%eb%a6%ac%ec%8a%a4%ed%81%ac%ec%9d%98-%ec%a4%91%ec%8b%ac%ec%9d%80\/","title":{"rendered":"\uc5b5\ub9cc\uc7a5\uc790\ub4e4\uc774 \uc6b0\ub824\ud558\ub294 \uae08\uc735\uc2dc\uc7a5 \ub9ac\uc2a4\ud06c\uc758 \uc911\uc2ec\uc740 \ubb34\uc5c7\uc778\uac00"},"content":{"rendered":"

\ucd5c\uadfc UBS\uac00 \ubc1c\ud45c\ud55c ‘2025\ub144 \uc5b5\ub9cc\uc7a5\uc790 \ub9ac\ud3ec\ud2b8’\uc5d0 \ub530\ub974\uba74, \uc804 \uc138\uacc4 \uc5b5\ub9cc\uc7a5\uc790\ub4e4\uc774 \uac00\uc7a5 \ud070 \uae08\uc735\uc2dc\uc7a5 \ub9ac\uc2a4\ud06c\ub85c ‘\uad00\uc138’\ub97c \uc9c0\ubaa9\ud558\uace0 \uc788\ub2e4\ub294 \uc0ac\uc2e4\uc774 \ub4dc\ub7ec\ub0ac\ub2e4. \uc774 \ubcf4\uace0\uc11c\ub294 2023\ub144 4\uc6d4 \uae30\uc900\uc73c\ub85c \uc790\uc0b0\uc774 10\uc5b5 \ub2ec\ub7ec \uc774\uc0c1\uc758 \uc5b5\ub9cc\uc7a5\uc790 \uc218\uac00 \uc804\ub144 \ub300\ube44 8.8% \uc99d\uac00\ud55c 2919\uba85\uc5d0 \uc774\ub974\ub800\uc74c\uc744 \uc54c\ub9ac\uace0 \uc788\ub2e4. \uc774\ub7ec\ud55c \uc99d\uac00\uc138\ub294 \uae00\ub85c\ubc8c \uc99d\uc2dc\uc758 \uac15\uc138\uc5d0 \uae30\uc778\ud558\uba70, \uc774\ub4e4 \uc5b5\ub9cc\uc7a5\uc790\ub4e4\uc774 \ubcf4\uc720\ud55c \ucd1d \uc790\uc0b0\uc740 15\uc8708000\uc5b5 \ub2ec\ub7ec\ub85c, 1\ub144 \uc804\ubcf4\ub2e4 13% \uc99d\uac00\ud55c \uc218\uce58\ub2e4.<\/p>\n

\uc62c\ud574 \uc0c8\ub86d\uac8c \uc5b5\ub9cc\uc7a5\uc790 \ubc18\uc5f4\uc5d0 \uc624\ub978 \uc778\ubb3c\ub4e4\uc740 \ucd1d 287\uba85\uc73c\ub85c, \uc774\ub294 \ucf54\ub85c\ub09819 \ud32c\ub370\ubbf9 \ub3d9\uc548 \uc790\uc0b0 \uac00\uaca9\uc774 \uae09\ub4f1\ud588\ub358 2021\ub144 \uc774\ud6c4 \uac00\uc7a5 \ub9ce\uc740 \uc218\uce58\ub2e4. \uc774\ub4e4 \uc911\uc5d0\ub294 \ubbf8\uad6d \uc0dd\uba85\uacf5\ud559\ud68c\uc0ac \ucf5c\ub85c\uc124 \ubc14\uc774\uc624\uc0ac\uc774\uc5b8\uc2a4\uc758 \ucc3d\ub9bd\uc790 \ubca4 \ub7a8, \uc778\ud504\ub77c \ud22c\uc790\ud68c\uc0ac \uc2a4\ud1a4\ud53c\ud06c \ud30c\ud2b8\ub108\uc2a4\uc758 \uacf5\ub3d9\ucc3d\ub9bd\uc790 \ub9c8\uc774\ud074 \ub3c4\ub810, \uc911\uad6d\uc758 \ubbf8\uc250\ube59\uccad \ucc3d\ub9bd\uc790 \ud615\uc81c, \uadf8\ub9ac\uace0 \uac00\uc0c1\ud654\ud3d0 \ud2b8\ub860\uc758 \ucc3d\uc870\uc790\uc778 \uc800\uc2a4\ud2f4 \uc120 \ub4f1\uc774 \ud3ec\ud568\ub418\uc5b4 \uc788\ub2e4. \uc774\ucc98\ub7fc \uc0c8\ub85c\uc6b4 \uc5b5\ub9cc\uc7a5\uc790\ub4e4\uc774 \uc18d\uc18d \ub4f1\uc7a5\ud558\ub294 \ubaa8\uc2b5\uc740 \uacbd\uc81c \ud68c\ubcf5\uc758 \uc2e0\ud638\ub85c \ud574\uc11d\ub420 \uc218 \uc788\ub2e4.<\/p>\n

\uadf8\ub7ec\ub098 \ud55c\uad6d\uc758 \uc5b5\ub9cc\uc7a5\uc790 \uc218\ub294 31\uba85\uc73c\ub85c, \uc791\ub144 38\uba85\uc5d0\uc11c 7\uba85\uc774 \uc904\uc5b4\ub4dc\ub294 \ubaa8\uc2b5\uc744 \ubcf4\uc600\ub2e4. \ubcf4\uace0\uc11c\uc5d0\ub294 \ud55c\uad6d\uc758 \uc5b5\ub9cc\uc7a5\uc790\ub4e4\uc5d0 \ub300\ud55c \uad6c\uccb4\uc801\uc778 \uba85\ub2e8\uc740 \uacf5\uac1c\ub418\uc9c0 \uc54a\uc558\uc9c0\ub9cc, \uc774\ub7ec\ud55c \uac10\uc18c\ub294 \ud55c\uad6d \uacbd\uc81c\uc758 \ud2b9\uc815 \uad6c\uc870\uc801 \uc5b4\ub824\uc6c0\uc744 \ubc18\uc601\ud558\ub294 \uac83\uc77c \uc218 \uc788\ub2e4. <\/p>\n

UBS\ub294 \uc774\ubc88 \ub9ac\ud3ec\ud2b8\uc5d0\uc11c 87\uba85\uc758 \uc5b5\ub9cc\uc7a5\uc790\ub4e4\uc744 \ub300\uc0c1\uc73c\ub85c \uc124\ubb38\uc870\uc0ac\ub97c \uc2e4\uc2dc\ud588\uc73c\uba70, \uc751\ub2f5\uc790 \uc911 66%\ub294 \ud5a5\ud6c4 1\ub144\uac04 \uc2dc\uc7a5\uc5d0 \uac00\uc7a5 \ubd80\uc815\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc694\uc778\uc73c\ub85c ‘\uad00\uc138’\ub97c \uc120\ud0dd\ud588\ub2e4. \ub4a4\uc774\uc5b4 \uc9c0\uc815\ud559\uc801 \uac08\ub4f1(63%), \uc815\uce58\uc801 \ubd88\ud655\uc2e4\uc131(59%), \ub192\uc740 \uc778\ud50c\ub808\uc774\uc158(44%), \ubd80\ucc44 \uc704\uae30(34%) \ub4f1\uc774 \uc8fc\uc694 \ub9ac\uc2a4\ud06c\ub85c \ub098\ud0c0\ub0ac\ub2e4. \uc774\ub7ec\ud55c \uacb0\uacfc\ub294 \uae00\ub85c\ubc8c \uc2dc\uc7a5\uc758 \ubd88\ud655\uc2e4\uc131\uc774 \uc5b5\ub9cc\uc7a5\uc790\ub4e4\uc758 \ud22c\uc790 \uc804\ub7b5\uc5d0 \uc0c1\ub2f9\ud55c \uc601\ud5a5\uc744 \ubbf8\uce58\uace0 \uc788\uc74c\uc744 \uc2dc\uc0ac\ud55c\ub2e4.<\/p>\n

\ud2b9\ud788, \uc5b5\ub9cc\uc7a5\uc790\ub4e4 \uc911 63%\ub294 \ubd81\ubbf8 \uc9c0\uc5ed\uc774 \ud5a5\ud6c4 1\ub144 \ub0b4 \uac00\uc7a5 \uc720\ub9dd\ud55c \ud22c\uc790\ucc98\ub77c\uace0 \uc751\ub2f5\ud588\ub2e4. \uadf8\ub7ec\ub098 \uc774\ub294 \uc804\ub144\uc758 80%\uc5d0\uc11c \uac10\uc18c\ud55c \uc218\uce58\ub85c, \ud22c\uc790\uc790\ub4e4\uc774 \ubd81\ubbf8\uc5d0 \ub300\ud55c \uae30\ub300\uac10\uc744 \uc810\ucc28 \ub0ae\ucd94\uace0 \uc788\uc74c\uc744 \ub098\ud0c0\ub0b8\ub2e4. \uc11c\uc720\ub7fd(40%), \uc911\uad6d(34%), \uadf8\ub9ac\uace0 \uc911\uad6d\uc744 \uc81c\uc678\ud55c \uc544\uc2dc\uc544(33%) \uc9c0\uc5ed\uc5d0\uc11c\ub3c4 \uae0d\uc815\uc801\uc778 \ud22c\uc790 \uc218\uc775\ub960\uc744 \uae30\ub300\ud558\uace0 \uc788\ub294 \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4. <\/p>\n

\ub610\ud55c, \ud5a5\ud6c4 5\ub144\uac04\uc758 \ud22c\uc790 \uc218\uc775\ub960 \uc804\ub9dd\uc5d0\uc11c\ub294 \ubbf8\uad6d\uc774 65%\ub85c \uac00\uc7a5 \ub192\uc740 \ube44\uc728\uc744 \ucc28\uc9c0\ud558\uace0 \uc788\uc73c\uba70, \uadf8 \ub4a4\ub97c \uc774\uc5b4 \uc911\uad6d\uc744 \uc81c\uc678\ud55c \uc544\uc2dc\uc544(51%)\uc640 \uc911\uad6d(48%)\uc774 \ub4a4\ub530\ub974\uace0 \uc788\ub2e4. \uc774\ub7ec\ud55c \uc804\ub9dd\uc740 \uc5b5\ub9cc\uc7a5\uc790\ub4e4\uc774 \uc55e\uc73c\ub85c\ub3c4 \ubd81\ubbf8\uc640 \uc544\uc2dc\uc544\uc758 \uc774\uba38\uc9d5 \ub9c8\ucf13\uc5d0 \ub300\ud55c \uad00\uc2ec\uc744 \uc9c0\uc18d\ud560 \uac83\uc784\uc744 \ubcf4\uc5ec\uc900\ub2e4. \uc2e4\uc81c\ub85c \uc870\uc0ac\uc5d0 \ub530\ub974\uba74, \uc5b5\ub9cc\uc7a5\uc790 10\uba85 \uc911 4\uba85(42%)\uc740 \ud5a5\ud6c4 1\ub144\uac04 \uc774\uba38\uc9d5 \ub9c8\ucf13\uc5d0\uc11c\uc758 \uc8fc\uc2dd \ube44\uc911\uc744 \ub354\uc6b1 \ud655\ub300\ud560 \uacc4\ud68d\uc774\ub77c\uace0 \ubc1d\ud614\ub2e4.<\/p>\n

\uacb0\ub860\uc801\uc73c\ub85c, \uc774\ubc88 UBS\uc758 \ub9ac\ud3ec\ud2b8\ub294 \uc804 \uc138\uacc4 \uc5b5\ub9cc\uc7a5\uc790\ub4e4\uc774 \uc9c1\uba74\ud55c \ub2e4\uc591\ud55c \ub9ac\uc2a4\ud06c\uc640 \uadf8\ub4e4\uc758 \ud22c\uc790 \uc804\ub7b5\uc5d0 \ub300\ud55c \ud1b5\ucc30\uc744 \uc81c\uacf5\ud55c\ub2e4. \uad00\uc138\ub85c \ub300\ud45c\ub418\ub294 \uc2dc\uc7a5\uc758 \ubd88\ud655\uc2e4\uc131\uc774 \uc774\ub4e4\uc758 \ud22c\uc790 \uacb0\uc815\uc744 \uc2ec\uac01\ud558\uac8c \ud754\ub4e4\uace0 \uc788\uc73c\uba70, \uc774\ub294 \uae00\ub85c\ubc8c \uacbd\uc81c\uc758 \ubcf5\uc7a1\ud55c \uc591\uc0c1\uc744 \ubc18\uc601\ud558\ub294 \uc911\uc694\ud55c \uc9c0\ud45c\uac00 \ub420 \uac83\uc774\ub2e4.<\/p>\n

[\uad00\ub828\uae30\uc0ac] https:\/\/n.news.naver.com\/mnews\/article\/009\/0005601439?sid=101<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

\ucd5c\uadfc UBS\uac00 \ubc1c\ud45c\ud55c ‘2025\ub144 \uc5b5\ub9cc\uc7a5\uc790 \ub9ac\ud3ec\ud2b8’\uc5d0 \ub530\ub974\uba74, \uc804 \uc138\uacc4 \uc5b5\ub9cc\uc7a5\uc790\ub4e4\uc774 \uac00\uc7a5 \ud070 \uae08\uc735\uc2dc\uc7a5 \ub9ac\uc2a4\ud06c\ub85c ‘\uad00\uc138’\ub97c \uc9c0\ubaa9\ud558\uace0 \uc788\ub2e4\ub294 \uc0ac\uc2e4\uc774 \ub4dc\ub7ec\ub0ac\ub2e4. \uc774 \ubcf4\uace0\uc11c\ub294 2023\ub144 4\uc6d4 \uae30\uc900\uc73c\ub85c \uc790\uc0b0\uc774 10\uc5b5 \ub2ec\ub7ec \uc774\uc0c1\uc758 \uc5b5\ub9cc\uc7a5\uc790 \uc218\uac00 \uc804\ub144 \ub300\ube44 8.8% \uc99d\uac00\ud55c 2919\uba85\uc5d0 \uc774\ub974\ub800\uc74c\uc744 \uc54c\ub9ac\uace0 \uc788\ub2e4. \uc774\ub7ec\ud55c \uc99d\uac00\uc138\ub294 \uae00\ub85c\ubc8c \uc99d\uc2dc\uc758 \uac15\uc138\uc5d0 \uae30\uc778\ud558\uba70, \uc774\ub4e4 \uc5b5\ub9cc\uc7a5\uc790\ub4e4\uc774 \ubcf4\uc720\ud55c \ucd1d \uc790\uc0b0\uc740 15\uc8708000\uc5b5 \ub2ec\ub7ec\ub85c, 1\ub144 \uc804\ubcf4\ub2e4 13% \uc99d\uac00\ud55c […]<\/p>\n","protected":false},"author":68,"featured_media":66,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"\uc5b5\ub9cc\uc7a5\uc790","_yoast_wpseo_metadesc":"UBS\uc758 '2025\ub144 \uc5b5\ub9cc\uc7a5\uc790 \ub9ac\ud3ec\ud2b8'\uc5d0 \ub530\ub974\uba74 \uc804 \uc138\uacc4 \uc5b5\ub9cc\uc7a5\uc790\ub4e4\uc740 '\uad00\uc138'\ub97c \uae08\uc735\uc2dc\uc7a5 \ucd5c\ub300 \ub9ac\uc2a4\ud06c\ub85c \uc9c0\ubaa9\ud588\ub2e4. \uc5b5\ub9cc\uc7a5\uc790 \uc218\ub294 2919\uba85\uc73c\ub85c \uc99d\uac00\ud588\uc73c\uba70, \ud55c\uad6d\uc740 31\uba85\uc73c\ub85c \uac10\uc18c\ud588\ub2e4. \uc870\uc0ac\uc5d0 \ub530\ub974\uba74 66%\uac00 \uad00\uc138\ub97c \ud5a5\ud6c4 1\ub144\uac04 \uac00\uc7a5 \ud070 \ubd80\uc815\uc801 \uc694\uc778\uc73c\ub85c \uc751\ub2f5\ud588\ub2e4.","footnotes":""},"categories":[4],"tags":[7646,3342,4926,7782],"class_list":["post-10536","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-4","tag-ai-","tag-3342","tag-4926","tag-7782"],"yoast_head":"\n\uc5b5\ub9cc\uc7a5\uc790\ub4e4\uc774 \uc6b0\ub824\ud558\ub294 \uae08\uc735\uc2dc\uc7a5 \ub9ac\uc2a4\ud06c\uc758 \uc911\uc2ec\uc740 \ubb34\uc5c7\uc778\uac00 - \ub450\ucc3d\ud2b9\ud5c8\ubc95\ub960\uc0ac\ubb34\uc18c<\/title>\n<meta name=\"description\" content=\"UBS\uc758 '2025\ub144 \uc5b5\ub9cc\uc7a5\uc790 \ub9ac\ud3ec\ud2b8'\uc5d0 \ub530\ub974\uba74 \uc804 \uc138\uacc4 \uc5b5\ub9cc\uc7a5\uc790\ub4e4\uc740 '\uad00\uc138'\ub97c \uae08\uc735\uc2dc\uc7a5 \ucd5c\ub300 \ub9ac\uc2a4\ud06c\ub85c \uc9c0\ubaa9\ud588\ub2e4. \uc5b5\ub9cc\uc7a5\uc790 \uc218\ub294 2919\uba85\uc73c\ub85c \uc99d\uac00\ud588\uc73c\uba70, \ud55c\uad6d\uc740 31\uba85\uc73c\ub85c \uac10\uc18c\ud588\ub2e4. \uc870\uc0ac\uc5d0 \ub530\ub974\uba74 66%\uac00 \uad00\uc138\ub97c \ud5a5\ud6c4 1\ub144\uac04 \uac00\uc7a5 \ud070 \ubd80\uc815\uc801 \uc694\uc778\uc73c\ub85c \uc751\ub2f5\ud588\ub2e4.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.doochang.co.kr\/blog\/\uc5b5\ub9cc\uc7a5\uc790\ub4e4\uc774-\uc6b0\ub824\ud558\ub294-\uae08\uc735\uc2dc\uc7a5-\ub9ac\uc2a4\ud06c\uc758-\uc911\uc2ec\uc740\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\uc5b5\ub9cc\uc7a5\uc790\ub4e4\uc774 \uc6b0\ub824\ud558\ub294 \uae08\uc735\uc2dc\uc7a5 \ub9ac\uc2a4\ud06c\uc758 \uc911\uc2ec\uc740 \ubb34\uc5c7\uc778\uac00 - \ub450\ucc3d\ud2b9\ud5c8\ubc95\ub960\uc0ac\ubb34\uc18c\" \/>\n<meta property=\"og:description\" content=\"UBS\uc758 '2025\ub144 \uc5b5\ub9cc\uc7a5\uc790 \ub9ac\ud3ec\ud2b8'\uc5d0 \ub530\ub974\uba74 \uc804 \uc138\uacc4 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