{"id":29386,"date":"2026-09-10T07:15:34","date_gmt":"2026-09-09T22:15:34","guid":{"rendered":"https:\/\/www.doochang.co.kr\/blog\/%ec%82%bc%ec%84%b1%ec%a6%9d%ea%b6%8c%ec%9d%98-%eb%b0%9c%ed%96%89%ec%96%b4%ec%9d%8c-%ec%9d%b8%ea%b0%80%eb%a1%9c-%ea%b8%b0%ec%97%85%ea%b8%88%ec%9c%b5%ec%9d%98-%ec%83%88%eb%a1%9c%ec%9a%b4-%ec%9e%a5\/"},"modified":"2026-09-10T07:15:34","modified_gmt":"2026-09-09T22:15:34","slug":"%ec%82%bc%ec%84%b1%ec%a6%9d%ea%b6%8c%ec%9d%98-%eb%b0%9c%ed%96%89%ec%96%b4%ec%9d%8c-%ec%9d%b8%ea%b0%80%eb%a1%9c-%ea%b8%b0%ec%97%85%ea%b8%88%ec%9c%b5%ec%9d%98-%ec%83%88%eb%a1%9c%ec%9a%b4-%ec%9e%a5","status":"publish","type":"post","link":"https:\/\/www.doochang.co.kr\/blog\/%ec%82%bc%ec%84%b1%ec%a6%9d%ea%b6%8c%ec%9d%98-%eb%b0%9c%ed%96%89%ec%96%b4%ec%9d%8c-%ec%9d%b8%ea%b0%80%eb%a1%9c-%ea%b8%b0%ec%97%85%ea%b8%88%ec%9c%b5%ec%9d%98-%ec%83%88%eb%a1%9c%ec%9a%b4-%ec%9e%a5\/","title":{"rendered":"\uc0bc\uc131\uc99d\uad8c\uc758 \ubc1c\ud589\uc5b4\uc74c \uc778\uac00\ub85c \uae30\uc5c5\uae08\uc735\uc758 \uc0c8\ub85c\uc6b4 \uc7a5\uc774 \uc5f4\ub9ac\ub2e4"},"content":{"rendered":"

\uc0bc\uc131\uc99d\uad8c\uc774 \ub4dc\ub514\uc5b4 \uae08\uc735\ub2f9\uad6d\uc73c\ub85c\ubd80\ud130 \ubc1c\ud589\uc5b4\uc74c \uc0ac\uc5c5\uc5d0 \ub300\ud55c \uc778\uac00\ub97c \ud68d\ub4dd\ud558\uba70, \uc57d 9\ub144 \uac04\uc758 \uae30\ub2e4\ub9bc\uc744 \ub05d\ub9c8\ucce4\uc2b5\ub2c8\ub2e4. \uc774\ubc88 \uc778\uac00\ub294 2017\ub144 \uc790\uae30\uc790\ubcf8 4\uc870\uc6d0 \uc774\uc0c1 \uc885\ud569\uae08\uc735\ud22c\uc790\uc0ac\uc5c5\uc790\ub85c \uc9c0\uc815\ub41c \uc774\ud6c4 \ucc98\uc74c\uc73c\ub85c \uc774\ub904\uc9c4 \uac83\uc774\uba70, \uc0bc\uc131\uc99d\uad8c\uc740 \uad6d\ub0b4 8\ubc88\uc9f8 \ubc1c\ud589\uc5b4\uc74c \uc0ac\uc5c5\uc790\ub85c \uc790\ub9ac\uc7a1\uac8c \ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n

\ubc1c\ud589\uc5b4\uc74c\uc740 \uc790\uae30\uc790\ubcf8\uc774 4\uc870\uc6d0 \uc774\uc0c1\uc778 \uc885\ud569\uae08\uc735\ud22c\uc790\uc0ac\uac00 \uc790\uccb4 \uc2e0\uc6a9\uc744 \uae30\ubc18\uc73c\ub85c \ubc1c\ud589\ud558\ub294 \ub9cc\uae30 1\ub144 \uc774\ub0b4\uc758 \uae08\uc735\uc0c1\ud488\uc73c\ub85c, \uc774\ub97c \ud1b5\ud574 \uc99d\uad8c\uc0ac\ub294 \uc790\uae30\uc790\ubcf8\uc758 \ucd5c\ub300 200%\uae4c\uc9c0 \uc790\uae08\uc744 \uc870\ub2ec\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc0bc\uc131\uc99d\uad8c\uc740 \uc774 \uc790\uae08\uc744 \uace0\uac1d\uc5d0\uac8c \uc57d\uc815\ub41c \uae08\ub9ac\ub97c \uc9c0\uae09\ud558\uba70 \uc870\ub2ec\ud558\uc5ec \uae30\uc5c5\ub300\ucd9c, \ud68c\uc0ac\ucc44, \ub300\uccb4\ud22c\uc790 \ub4f1 \ub2e4\uc591\ud55c \ubd84\uc57c\uc5d0 \uc6b4\uc6a9\ud560 \uc218 \uc788\ub294 \uae30\ud68c\ub97c \uc5bb\uac8c \ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n

\uae08\uc735\ud22c\uc790\uc5c5\uacc4\uc758 \uc18c\uc2dd\uc5d0 \ub530\ub974\uba74, \uc774\ubc88 \uc778\uac00\ub294 \uae08\uc735\uc704\uc6d0\ud68c \uc81c15\ucc28 \uc815\ub840\ud68c\uc758\uc5d0\uc11c \uc2ec\uc758 \ubc0f \uc758\uacb0\uc744 \ud1b5\ud574 \ucd5c\uc885\uc801\uc73c\ub85c \uc2b9\uc778\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc0bc\uc131\uc99d\uad8c\uc740 \uc9c0\ub09c\ud574 7\uc6d4 \ubc1c\ud589\uc5b4\uc74c \uc778\uac00\ub97c \uc2e0\uccad\ud588\uc73c\ub098, \uae30\uc874 \uac70\uc810\uc810\ud3ec\uc758 \ubd88\uac74\uc804 \uc601\uc5c5\ud589\uc704\uc640 \uad00\ub828\ub41c \uc81c\uc7ac\uac00 \uacb9\uce58\uba74\uc11c \uc2ec\uc0ac\uac00 \uc9c0\uc5f0\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 4\uc6d4\uc5d0\ub294 \uc778\uac00 \uc2ec\uc0ac\uac00 \uc911\ub2e8\ub418\uc5c8\ub2e4\uac00, 7\uc6d4 \ub9d0 \uc81c\uc7ac\uac00 \uae30\uad00\uacbd\uace0 \uc218\uc900\uc73c\ub85c \ud655\uc815\ub418\uba74\uc11c \uc7ac\uac1c\ub418\uc5b4 \uacb0\uad6d \uc774\ubc88 \uc778\uac00\ub85c \uc774\uc5b4\uc84c\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc0bc\uc131\uc99d\uad8c\uc740 \uc778\uac00\ub97c \ubc1b\uae30 \uc804\ubd80\ud130 \ubc1c\ud589\uc5b4\uc74c \uc0ac\uc5c5 \uc900\ube44\ub97c \ucc29\uc2e4\ud788 \uc9c4\ud589\ud574\uc654\uc2b5\ub2c8\ub2e4. \uc62c\ud574 \ucd08\uc5d0\ub294 \uae30\uc874 \uc790\uae30\uc790\ubcf8\ud22c\uc790(PI) \uc870\uc9c1\uc744 \ubc1c\ud589\uc5b4\uc74c\ubcf8\ubd80 \uc0b0\ud558\uc758 \u2018\ubc1c\ud589\uc5b4\uc74c\uae30\uc5c5\ud22c\uc790\ud300\u2019\uc73c\ub85c \uc7ac\ud3b8\ud558\ub294 \ub4f1 \uc778\uac00 \uc774\ud6c4\uc758 \uc6b4\uc601\uc744 \uc704\ud55c \uc0ac\uc804 \uc900\ube44\ub97c \ub9c8\ucce4\uc2b5\ub2c8\ub2e4. \uc774\ub294 \ubc1c\ud589\uc5b4\uc74c\uc73c\ub85c \uc870\ub2ec\ud55c \uc790\uae08\uc744 \uae30\uc5c5\uae08\uc735\uacfc \ub300\uccb4\ud22c\uc790 \ub4f1\uc5d0 \ud6a8\uacfc\uc801\uc73c\ub85c \uc6b4\uc6a9\ud558\uae30 \uc704\ud55c \uc804\ub7b5\uc801 \uc870\uce58\ub85c \ud480\uc774\ub429\ub2c8\ub2e4.<\/p>\n

\uc774\ubc88 \ubc1c\ud589\uc5b4\uc74c \uc778\uac00\ub294 \ub2e8\uc21c\ud788 \uc790\uae08 \uc870\ub2ec\uc758 \uc5ec\ub825\uc744 \ud655\ub300\ud558\ub294 \uac83\uc5d0 \uadf8\uce58\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ubaa8\ud5d8\uc790\ubcf8 \uacf5\uae09 \uc758\ubb34\ub3c4 \ud568\uaed8 \uc218\ubc18\ub418\uba70, \uc815\ubd80\ub294 \uc774\ub97c \ud1b5\ud574 \uc870\ub2ec\ub41c \uc790\uae08\uc774 \ubd80\ub3d9\uc0b0 \ub4f1 \ud2b9\uc815 \ubd84\uc57c\uc5d0 \uc9d1\uc911\ub418\uc9c0 \uc54a\uace0 \ud601\uc2e0 \uae30\uc5c5\uc73c\ub85c \ud750\ub974\ub3c4\ub85d \uc720\ub3c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ubc1c\ud589\uc5b4\uc74c \uc0ac\uc5c5\uc790\ub294 \uc62c\ud574 \uc870\ub2ec\uc561\uc758 10%\ub97c \ubaa8\ud5d8\uc790\ubcf8\uc73c\ub85c \uacf5\uae09\ud574\uc57c \ud558\uba70, \uc774 \ube44\uc728\uc740 2027\ub144 20%, 2028\ub144 25%\ub85c \uc810\uc9c4\uc801\uc73c\ub85c \uc99d\uac00\ud560 \uc608\uc815\uc785\ub2c8\ub2e4. \uc0bc\uc131\uc99d\uad8c\uc740 \ubc1c\ud589\uc5b4\uc74c \uc794\uc561\uc774 \uc99d\uac00\ud568\uc5d0 \ub530\ub77c \uae30\uc5c5\ub300\ucd9c\uacfc \ubca4\ucc98 \ubc0f \ud601\uc2e0\uae30\uc5c5\uc5d0 \uacf5\uae09\ud574\uc57c \ud560 \uc790\uae08 \uaddc\ubaa8\ub3c4 \ud568\uaed8 \ucee4\uc9c8 \uac83\uc785\ub2c8\ub2e4.<\/p>\n

\uc0bc\uc131\uc99d\uad8c\uc758 \ud569\ub958\ub85c \ubc1c\ud589\uc5b4\uc74c \uc2dc\uc7a5\uc740 \ucd1d 8\uac1c \uc0ac\uc5c5\uc790\ub85c \ud655\ub300\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uae30\uc874 \uc0ac\uc5c5\uc790\ub4e4\ub85c\ub294 \ud55c\uad6d\ud22c\uc790\uc99d\uad8c, \ubbf8\ub798\uc5d0\uc14b\uc99d\uad8c, NH\ud22c\uc790\uc99d\uad8c, KB\uc99d\uad8c, \ud0a4\uc6c0\uc99d\uad8c, \uc2e0\ud55c\ud22c\uc790\uc99d\uad8c, \ud558\ub098\uc99d\uad8c\uc774 \uc788\uc73c\uba70, \uac01\uac01 2017\ub144\ubd80\ud130 2021\ub144\uae4c\uc9c0 \uc21c\ucc28\uc801\uc73c\ub85c \uc778\uac00\ub97c \ubc1b\uc558\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc0bc\uc131\uc99d\uad8c\uc758 \uac15\uc810 \uc911 \ud558\ub098\ub294 \ub450\ud130\uc6b4 \uace0\uc561\uc790\uc0b0\uac00\uc640 \ub9ac\ud14c\uc77c \uace0\uac1d \uae30\ubc18\uc785\ub2c8\ub2e4. \uc62c\ud574 2\ubd84\uae30 \uae30\uc900\uc73c\ub85c \ub9ac\ud14c\uc77c \uace0\uac1d \uc790\uc0b0\uc740 652\uc8704000\uc5b5\uc6d0\uc5d0 \ub2ec\ud558\uba70, 1\uc5b5\uc6d0 \uc774\uc0c1\uc758 \uace0\uc561\uc790\uc0b0\uac00 \uace0\uac1d \uc218\ub294 57\ub9cc2000\uba85\uc5d0 \uc774\ub985\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uace0\uac1d \uae30\ubc18\uc744 \ud65c\uc6a9\ud558\uc5ec \ubc1c\ud589\uc5b4\uc74c \uc790\uae08\uc744 \ud655\ubcf4\ud558\uace0, \uc774\ub97c \uae30\uc5c5\uae08\uc735 \ubc0f \ubaa8\ud5d8\uc790\ubcf8 \ud22c\uc790\ub85c \uc5f0\uacb0\ud558\ub294 \ub370 \uc8fc\ub825\ud560 \uac83\uc73c\ub85c \ubcf4\uc785\ub2c8\ub2e4.<\/p>\n

\uacb0\uad6d, \uc0bc\uc131\uc99d\uad8c\uc758 \ubc1c\ud589\uc5b4\uc74c \uc778\uac00\ub294 WM(\uc790\uc0b0\uad00\ub9ac) \ubd80\ubb38\uc5d0 \uc0c1\ub300\uc801\uc73c\ub85c \ubb34\uac8c\ub97c \ub450\uc5c8\ub358 \uae30\uc874 \uc0ac\uc5c5 \uad6c\uc870\ub97c IB(\uae30\uc5c5\uae08\uc735)\uc640 \uae30\uc5c5\ud22c\uc790 \ubd80\ubb38\uc73c\ub85c \ud655\uc7a5\ud560 \uc218 \uc788\ub294 \uc911\uc694\ud55c \uae30\ud68c\uac00 \ub420 \uac83\uc785\ub2c8\ub2e4. \uc55e\uc73c\ub85c \uc0bc\uc131\uc99d\uad8c\uc774 \uc5b4\ub5bb\uac8c \ubc1c\ud589\uc5b4\uc74c \uc0ac\uc5c5\uc744 \uc6b4\uc601\ud558\uace0 \uae30\uc5c5\uae08\uc735 \ubc0f \ubaa8\ud5d8\uc790\ubcf8 \ud22c\uc790\uc5d0 \uae30\uc5ec\ud560\uc9c0 \uc8fc\ubaa9\ub429\ub2c8\ub2e4.<\/p>\n

[\uad00\ub828\uae30\uc0ac] https:\/\/n.news.naver.com\/mnews\/article\/138\/0002240804?sid=101<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

\uc0bc\uc131\uc99d\uad8c\uc774 \ub4dc\ub514\uc5b4 \uae08\uc735\ub2f9\uad6d\uc73c\ub85c\ubd80\ud130 \ubc1c\ud589\uc5b4\uc74c \uc0ac\uc5c5\uc5d0 \ub300\ud55c \uc778\uac00\ub97c \ud68d\ub4dd\ud558\uba70, \uc57d 9\ub144 \uac04\uc758 \uae30\ub2e4\ub9bc\uc744 \ub05d\ub9c8\ucce4\uc2b5\ub2c8\ub2e4. \uc774\ubc88 \uc778\uac00\ub294 2017\ub144 \uc790\uae30\uc790\ubcf8 4\uc870\uc6d0 \uc774\uc0c1 \uc885\ud569\uae08\uc735\ud22c\uc790\uc0ac\uc5c5\uc790\ub85c \uc9c0\uc815\ub41c \uc774\ud6c4 \ucc98\uc74c\uc73c\ub85c \uc774\ub904\uc9c4 \uac83\uc774\uba70, \uc0bc\uc131\uc99d\uad8c\uc740 \uad6d\ub0b4 8\ubc88\uc9f8 \ubc1c\ud589\uc5b4\uc74c \uc0ac\uc5c5\uc790\ub85c \uc790\ub9ac\uc7a1\uac8c \ub418\uc5c8\uc2b5\ub2c8\ub2e4. \ubc1c\ud589\uc5b4\uc74c\uc740 \uc790\uae30\uc790\ubcf8\uc774 4\uc870\uc6d0 \uc774\uc0c1\uc778 \uc885\ud569\uae08\uc735\ud22c\uc790\uc0ac\uac00 \uc790\uccb4 \uc2e0\uc6a9\uc744 \uae30\ubc18\uc73c\ub85c \ubc1c\ud589\ud558\ub294 \ub9cc\uae30 1\ub144 \uc774\ub0b4\uc758 \uae08\uc735\uc0c1\ud488\uc73c\ub85c, \uc774\ub97c \ud1b5\ud574 \uc99d\uad8c\uc0ac\ub294 \uc790\uae30\uc790\ubcf8\uc758 \ucd5c\ub300 200%\uae4c\uc9c0 \uc790\uae08\uc744 \uc870\ub2ec\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. […]<\/p>\n","protected":false},"author":109,"featured_media":74,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"\uc0bc\uc131\uc99d\uad8c","_yoast_wpseo_metadesc":"\uc0bc\uc131\uc99d\uad8c\uc774 9\ub144 \ub9cc\uc5d0 \uae08\uc735\ub2f9\uad6d\uc73c\ub85c\ubd80\ud130 \ubc1c\ud589\uc5b4\uc74c \uc0ac\uc5c5 \uc778\uac00\ub97c \ud68d\ub4dd\ud558\uc5ec \uae30\uc5c5\uae08\uc735\uacfc \ubaa8\ud5d8\uc790\ubcf8 \ud22c\uc790 \ud655\ub300\uc5d0 \uc55e\uc7a5\uc124 \uc804\ub9dd\uc785\ub2c8\ub2e4. \uc774\ubc88 \uc778\uac00\ub294 \uc0bc\uc131\uc99d\uad8c\uc774 \uad6d\ub0b4 8\ubc88\uc9f8 \ubc1c\ud589\uc5b4\uc74c \uc0ac\uc5c5\uc790\ub85c \uc790\ub9ac\uc7a1\ub294 \uac83\uc73c\ub85c, \uc790\uc0b0\uad00\ub9ac \uae30\ubc18\uc744 \ubc14\ud0d5\uc73c\ub85c \uc790\uae08\uc744 \ud6a8\uc728\uc801\uc73c\ub85c \uc6b4\uc6a9\ud560 \uc218 \uc788\ub294 \uae30\ud68c\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4.","footnotes":""},"categories":[4],"tags":[15183,987,15182,7769,5033],"class_list":["post-29386","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-4","tag-15183","tag-987","tag-15182","tag-7769","tag-5033"],"yoast_head":"\n\uc0bc\uc131\uc99d\uad8c\uc758 \ubc1c\ud589\uc5b4\uc74c \uc778\uac00\ub85c \uae30\uc5c5\uae08\uc735\uc758 \uc0c8\ub85c\uc6b4 \uc7a5\uc774 \uc5f4\ub9ac\ub2e4 - \ub450\ucc3d\ud2b9\ud5c8\ubc95\ub960\uc0ac\ubb34\uc18c<\/title>\n<meta name=\"description\" content=\"\uc0bc\uc131\uc99d\uad8c\uc774 9\ub144 \ub9cc\uc5d0 \uae08\uc735\ub2f9\uad6d\uc73c\ub85c\ubd80\ud130 \ubc1c\ud589\uc5b4\uc74c \uc0ac\uc5c5 \uc778\uac00\ub97c \ud68d\ub4dd\ud558\uc5ec \uae30\uc5c5\uae08\uc735\uacfc \ubaa8\ud5d8\uc790\ubcf8 \ud22c\uc790 \ud655\ub300\uc5d0 \uc55e\uc7a5\uc124 \uc804\ub9dd\uc785\ub2c8\ub2e4. \uc774\ubc88 \uc778\uac00\ub294 \uc0bc\uc131\uc99d\uad8c\uc774 \uad6d\ub0b4 8\ubc88\uc9f8 \ubc1c\ud589\uc5b4\uc74c 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