{"id":12582,"date":"2025-12-28T13:08:30","date_gmt":"2025-12-28T04:08:30","guid":{"rendered":"https:\/\/www.doochang.co.kr\/blog\/%ed%9d%a5%ea%b5%ad%ec%83%9d%eb%aa%85-%ec%9d%b4%ec%a7%80%ec%8a%a4-%ec%a3%bc%ec%a3%bc-%eb%b0%8f-%eb%a7%a4%ea%b0%81%ec%a3%bc%ea%b4%80%ec%82%ac%ec%97%90-%eb%8c%80%ed%95%9c-%ec%82%ac%ea%b8%b0%ec%a0%81\/"},"modified":"2025-12-28T13:08:30","modified_gmt":"2025-12-28T04:08:30","slug":"%ed%9d%a5%ea%b5%ad%ec%83%9d%eb%aa%85-%ec%9d%b4%ec%a7%80%ec%8a%a4-%ec%a3%bc%ec%a3%bc-%eb%b0%8f-%eb%a7%a4%ea%b0%81%ec%a3%bc%ea%b4%80%ec%82%ac%ec%97%90-%eb%8c%80%ed%95%9c-%ec%82%ac%ea%b8%b0%ec%a0%81","status":"publish","type":"post","link":"https:\/\/www.doochang.co.kr\/blog\/%ed%9d%a5%ea%b5%ad%ec%83%9d%eb%aa%85-%ec%9d%b4%ec%a7%80%ec%8a%a4-%ec%a3%bc%ec%a3%bc-%eb%b0%8f-%eb%a7%a4%ea%b0%81%ec%a3%bc%ea%b4%80%ec%82%ac%ec%97%90-%eb%8c%80%ed%95%9c-%ec%82%ac%ea%b8%b0%ec%a0%81\/","title":{"rendered":"\ud765\uad6d\uc0dd\uba85, \uc774\uc9c0\uc2a4 \uc8fc\uc8fc \ubc0f \ub9e4\uac01\uc8fc\uad00\uc0ac\uc5d0 \ub300\ud55c \uc0ac\uae30\uc801 \uac70\ub798 \ud610\uc758 \uc81c\uae30"},"content":{"rendered":"

\ud765\uad6d\uc0dd\uba85\uc774 \uc774\uc9c0\uc2a4\uc790\uc0b0\uc6b4\uc6a9\uc758 \uc8fc\uc694 \uc8fc\uc8fc\uc640 \uc8fc\uc8fc\ub300\ud45c, \uacf5\ub3d9 \ub9e4\uac01 \uc8fc\uac04\uc0ac\uc778 \ubaa8\uac74\uc2a4\ud0e0\ub9ac \uad00\uacc4\uc790\ub4e4\uc744 \uc0ac\uae30\uc801 \ubd80\uc815 \uac70\ub798 \ud610\uc758\ub85c \uc11c\uc6b8\uacbd\ucc30\uccad\uc5d0 \uace0\uc18c\ud55c \uc0ac\uc2e4\uc774 \uc54c\ub824\uc84c\ub2e4. \uc774 \uc0ac\uac74\uc740 \uc2dc\uc7a5\uc758 \uacf5\uc815\uc131\uacfc \uc2e0\ub8b0\ub97c \uc2ec\uac01\ud558\uac8c \ud6fc\uc190\ud560 \uc218 \uc788\ub294 \uc911\ub300\ud55c \uc0ac\uc548\uc73c\ub85c, \ub9ce\uc740 \ud22c\uc790\uc790\ub4e4\uc758 \uad00\uc2ec\uc744 \ubc1b\uace0 \uc788\ub2e4. <\/p>\n

\ud765\uad6d\uc0dd\uba85\uc5d0 \ub530\ub974\uba74, \uc774\uc9c0\uc2a4\uc790\uc0b0\uc6b4\uc6a9\uc758 \ucd5c\ub300 \uc8fc\uc8fc \uc190\ubaa8\uc528\uc640 \uc8fc\uc8fc\ub300\ud45c \uae40\ubaa8\uc528, \uadf8\ub9ac\uace0 \ubaa8\uac74\uc2a4\ud0e0\ub9ac\uc758 \ud55c\uad6d \ud22c\uc790\uc740\ud589(IB) \ubd80\ubb38 \uae40\ubaa8 \ub300\ud45c \ub4f1 \ucd1d 5\uba85\uc774 \uacf5\uc815 \uc785\ucc30 \ubc29\ud574\uc640 \uc790\ubcf8\uc2dc\uc7a5 \ubc0f \uae08\uc735\ud22c\uc790\uc5c5\uc5d0 \uad00\ud55c \ubc95\ub960\uc744 \uc704\ubc18\ud55c \ud610\uc758\ub97c \ubc1b\uace0 \uc788\ub2e4. \uc190\uc528\ub294 \uc774\uc9c0\uc2a4\uc790\uc0b0\uc6b4\uc6a9\uc758 12.4%\uc758 \uc8fc\uc2dd\uc744 \ubcf4\uc720\ud55c \uc8fc\uc694 \uc8fc\uc8fc\ub85c, \uae40\uc528\ub294 \uadf8\uc758 \ub538\uc774\uc790 \uc8fc\uc8fc\ub300\ud45c\ub85c\uc11c \uc8fc\uc2dd \ub9e4\uac01\uc744 \uc8fc\ub3c4\ud574 \uc654\ub2e4. \uae40 \ub300\ud45c\ub294 \ubaa8\uac74\uc2a4\ud0e0\ub9ac\uc758 \uc784\uc6d0\uc73c\ub85c\uc11c \uc774\ubc88 \uc785\ucc30\uc758 \uc2e4\ubb34\ub97c \ub2f4\ub2f9\ud558\uace0 \uc788\ub2e4. <\/p>\n

\ud765\uad6d\uc0dd\uba85\uc740 \uc774\ubc88 \uc0ac\uac74\uc758 \ud575\uc2ec\uc73c\ub85c, \uc190\uc528 \ub4f1\uc774 \uacbd\uc7c1 \uc785\ucc30\uc744 \uc9c4\ud589\ud558\uc9c0 \uc54a\uc744 \uac83\ucc98\ub7fc \uac00\uc7a5\ud588\uc73c\ub098 \uc2e4\uc81c\ub85c\ub294 \uc785\ucc30 \uac00\uaca9\uc744 \uc778\uc704\uc801\uc73c\ub85c \ub192\uc774\uae30 \uc704\ud574 \uacf5\ubaa8\ud55c \uac83\uc73c\ub85c \uc8fc\uc7a5\ud558\uace0 \uc788\ub2e4. \uc774\ub7ec\ud55c \ud589\uc704\ub294 \uc785\ucc30\uc758 \uacf5\uc815\uc131\uc744 \uc2ec\uac01\ud558\uac8c \ud6fc\uc190\ud560 \uc218 \uc788\ub294 \uc704\ud5d8\ud55c \uc218\ub2e8\uc73c\ub85c \uc778\uc2dd\ub418\uace0 \uc788\ub2e4. <\/p>\n

\uc2e4\uc81c\ub85c \ud765\uad6d\uc0dd\uba85\uc740 \uc9c0\ub09c 11\uc77c \ubcf8\uc785\ucc30\uc5d0\uc11c 1\uc8705000\uc5b5\uc6d0\uc774\ub77c\ub294 \ub192\uc740 \uac00\uaca9\uc744 \uc81c\uc2dc\ud558\uba70 \ucd5c\uace0\uac00\ub97c \uae30\ub85d\ud588\uc73c\ub098, \ud790\ud558\uc6b0\uc2a4\uc778\ubca0\uc2a4\ud2b8\uba3c\ud2b8\uc640 \ud55c\ud654\uc0dd\uba85\uc774 \uac01\uac01 9000\uc5b5\uc6d0\ub300\uc758 \uac00\uaca9\uc744 \uc81c\uc2dc\ud55c \uc0c1\ud669\uc5d0\uc11c \ubaa8\uac74\uc2a4\ud0e0\ub9ac\uac00 \ud790\ud558\uc6b0\uc2a4 \uce21\uc5d0 \ub192\uc740 \uac00\uaca9\uc744 \uc81c\uc2dc\ud558\uba74 \uc6b0\uc120\ud611\uc0c1\ub300\uc0c1\uc790\ub85c \uc120\uc815\ud558\uaca0\ub2e4\ub294 \uc81c\uc548\uc744 \ud588\ub2e4\ub294 \uc8fc\uc7a5\uc744 \ud558\uace0 \uc788\ub2e4. <\/p>\n

\uc774\uc640 \uac19\uc740 \ud589\uc704\ub294 \ud765\uad6d\uc0dd\uba85\uc774 \uacf5\uc815\ud55c \uc785\ucc30 \uc9c0\uc704\ub97c \ubc15\ud0c8\ub2f9\ud558\uace0, \uc815\ub2f9\ud55c \uae30\ud68c\ub97c \uc0c1\uc2e4\ud558\uac8c \ub9cc\ub4dc\ub294 \uacb0\uacfc\ub97c \ucd08\ub798\ud588\ub2e4\uace0 \uc8fc\uc7a5\ud558\uace0 \uc788\ub2e4. \ud765\uad6d\uc0dd\uba85\uc740 \uc774\ub7ec\ud55c \uc785\ucc30 \ubc29\ud574 \ud589\uc704\uac00 \uba85\ubc31\ud788 \ubd88\ubc95\uc801\uc774\uba70, \ubc95\uc801 \uc808\ucc28\ub97c \ud1b5\ud574 \ud574\ub2f9 \ubb38\uc81c\ub97c \ud574\uacb0\ud560 \uac83\uc774\ub77c\ub294 \uc785\uc7a5\uc744 \ubc1d\ud614\ub2e4. <\/p>\n

\uc774\ubc88 \uc0ac\uac74\uc740 \ub2e8\uc21c\ud55c \uae30\uc5c5 \uac04\uc758 \uacbd\uc7c1\uc744 \ub118\uc5b4, \ud55c\uad6d\uc758 \uae08\uc735\uc2dc\uc7a5\uacfc \uc790\ubcf8\uc2dc\uc7a5\uc5d0 \ub300\ud55c \uc2e0\ub8b0\ub97c \ub2e4\uc2dc \ud55c\ubc88 \uc2dc\ud5d8\ud558\ub294 \uacc4\uae30\uac00 \ub420 \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4. \uae30\uc5c5\ub4e4\uc758 \uc724\ub9ac\uc801\uc778 \uacbd\uc601\uacfc \uacf5\uc815\ud55c \uac70\ub798\uac00 \uc5bc\ub9c8\ub098 \uc911\uc694\ud55c\uc9c0\ub97c \uc77c\uae68\uc6cc\uc8fc\uace0 \uc788\ub294 \uc0c1\ud669\uc774\ub2e4. \ud765\uad6d\uc0dd\uba85\uc758 \uace0\uc18c\uac00 \uc5b4\ub5a4 \uacb0\uacfc\ub97c \uac00\uc838\uc62c\uc9c0, \uadf8\ub9ac\uace0 \uc774\uc9c0\uc2a4\uc790\uc0b0\uc6b4\uc6a9\uacfc \ubaa8\uac74\uc2a4\ud0e0\ub9ac \uce21\uc758 \ubc18\uc751\uc774 \uc8fc\ubaa9\ub418\uace0 \uc788\ub2e4. <\/p>\n

\ud22c\uc790\uc790\ub4e4\uc740 \uc774 \uc0ac\uac74\uc758 \uc9c4\ud589 \uc0c1\ud669\uc744 \uba74\ubc00\ud788 \uc9c0\ucf1c\ubcf4\uba70, \ud55c\uad6d \uc790\ubcf8\uc2dc\uc7a5\uc758 \uacf5\uc815\uc131\uacfc \ud22c\uba85\uc131\uc744 \ud655\ubcf4\ud558\uae30 \uc704\ud55c \ub178\ub825\uc774 \ud544\uc694\ud558\ub2e4\ub294 \ubaa9\uc18c\ub9ac\ub97c \ub192\uc774\uace0 \uc788\ub2e4. \uc774 \uc0ac\uac74\uc774 \ud5a5\ud6c4 \uae08\uc735\uc2dc\uc7a5\uc5d0 \ubbf8\uce60 \uc601\ud5a5\uc744 \uace0\ub824\ud560 \ub54c, \ubc95\uc801 \uc808\ucc28\uc640 \uacb0\uacfc\ub294 \ub2e8\uc21c\ud788 \ud55c \uae30\uc5c5\uc758 \ubb38\uc81c\ub97c \ub118\uc5b4 \uc0b0\uc5c5 \uc804\ubc18\uc5d0 \uac78\uccd0 \uc911\uc694\ud55c \uc758\ubbf8\ub97c \uc9c0\ub2d0 \uc218 \uc788\uc744 \uac83\uc774\ub2e4. <\/p>\n

\uc774\uc81c\ub294 \ubaa8\ub4e0 \uae30\uc5c5\ub4e4\uc774 \uaddc\uc815\uacfc \ubc95\uc744 \ucca0\uc800\ud788 \uc900\uc218\ud558\uba70, \uacf5\uc815\ud55c \uacbd\uc7c1\uc744 \ud1b5\ud574 \uc2dc\uc7a5\uc5d0\uc11c\uc758 \uc2e0\ub8b0\ub97c \uc313\uc544\uac08 \ud544\uc694\uac00 \uc788\ub2e4. \uc55e\uc73c\ub85c\uc758 \uc9c4\ud589 \uc0c1\ud669\uc774 \uc5b4\ub5a4 \ubc29\ud5a5\uc73c\ub85c \ud758\ub7ec\uac08\uc9c0 \uadc0\ucd94\uac00 \uc8fc\ubaa9\ub41c\ub2e4.<\/p>\n

[\uad00\ub828\uae30\uc0ac] https:\/\/n.news.naver.com\/mnews\/article\/366\/0001129571?sid=101<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

\ud765\uad6d\uc0dd\uba85\uc774 \uc774\uc9c0\uc2a4\uc790\uc0b0\uc6b4\uc6a9\uc758 \uc8fc\uc694 \uc8fc\uc8fc\uc640 \uc8fc\uc8fc\ub300\ud45c, \uacf5\ub3d9 \ub9e4\uac01 \uc8fc\uac04\uc0ac\uc778 \ubaa8\uac74\uc2a4\ud0e0\ub9ac \uad00\uacc4\uc790\ub4e4\uc744 \uc0ac\uae30\uc801 \ubd80\uc815 \uac70\ub798 \ud610\uc758\ub85c \uc11c\uc6b8\uacbd\ucc30\uccad\uc5d0 \uace0\uc18c\ud55c \uc0ac\uc2e4\uc774 \uc54c\ub824\uc84c\ub2e4. \uc774 \uc0ac\uac74\uc740 \uc2dc\uc7a5\uc758 \uacf5\uc815\uc131\uacfc \uc2e0\ub8b0\ub97c \uc2ec\uac01\ud558\uac8c \ud6fc\uc190\ud560 \uc218 \uc788\ub294 \uc911\ub300\ud55c \uc0ac\uc548\uc73c\ub85c, \ub9ce\uc740 \ud22c\uc790\uc790\ub4e4\uc758 \uad00\uc2ec\uc744 \ubc1b\uace0 \uc788\ub2e4. \ud765\uad6d\uc0dd\uba85\uc5d0 \ub530\ub974\uba74, \uc774\uc9c0\uc2a4\uc790\uc0b0\uc6b4\uc6a9\uc758 \ucd5c\ub300 \uc8fc\uc8fc \uc190\ubaa8\uc528\uc640 \uc8fc\uc8fc\ub300\ud45c \uae40\ubaa8\uc528, \uadf8\ub9ac\uace0 \ubaa8\uac74\uc2a4\ud0e0\ub9ac\uc758 \ud55c\uad6d \ud22c\uc790\uc740\ud589(IB) \ubd80\ubb38 \uae40\ubaa8 \ub300\ud45c \ub4f1 \ucd1d 5\uba85\uc774 \uacf5\uc815 \uc785\ucc30 \ubc29\ud574\uc640 […]<\/p>\n","protected":false},"author":110,"featured_media":71,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"\ud765\uad6d\uc0dd\uba85","_yoast_wpseo_metadesc":"\ud765\uad6d\uc0dd\uba85\uc774 \uc774\uc9c0\uc2a4\uc790\uc0b0\uc6b4\uc6a9\uc758 \uc8fc\uc694 \uc8fc\uc8fc\ub4e4\uacfc \ub9e4\uac01\uc8fc\uad00\uc0ac\ub97c \uc0ac\uae30\uc801 \ubd80\uc815 \uac70\ub798 \ud610\uc758\ub85c \uace0\uc18c\ud588\ub2e4. \uc774 \uc0ac\uac74\uc740 \uacf5\uc815 \uc785\ucc30\uc744 \ubc29\ud574\ud558\uace0 \uc790\ubcf8\uc2dc\uc7a5 \ubc95\ub960\uc744 \uc704\ubc18\ud55c \uac83\uc73c\ub85c, \uae08\uc735\uc2dc\uc7a5\uc758 \uc2e0\ub8b0\uc5d0 \uc911\ub300\ud55c \uc601\ud5a5\uc744 \ubbf8\uce60 \uac83\uc73c\ub85c \uc608\uc0c1\ub41c\ub2e4. \ud765\uad6d\uc0dd\uba85\uc740 \uc785\ucc30\uc758 \uacf5\uc815\uc131\uc744 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