{"id":29794,"date":"2026-09-15T08:14:15","date_gmt":"2026-09-14T23:14:15","guid":{"rendered":"https:\/\/www.doochang.co.kr\/blog\/%ec%8a%a4%ed%83%80%ed%8a%b8%ec%97%85-%ec%83%9d%ed%83%9c%ea%b3%84%ec%9d%98-%eb%a9%98%ed%86%a0%eb%a5%b4%ea%b0%80-%ec%82%ac%eb%9d%bc%ec%a7%80%ea%b3%a0-%ec%9e%88%eb%8b%a4\/"},"modified":"2026-09-15T08:14:15","modified_gmt":"2026-09-14T23:14:15","slug":"%ec%8a%a4%ed%83%80%ed%8a%b8%ec%97%85-%ec%83%9d%ed%83%9c%ea%b3%84%ec%9d%98-%eb%a9%98%ed%86%a0%eb%a5%b4%ea%b0%80-%ec%82%ac%eb%9d%bc%ec%a7%80%ea%b3%a0-%ec%9e%88%eb%8b%a4","status":"publish","type":"post","link":"https:\/\/www.doochang.co.kr\/blog\/%ec%8a%a4%ed%83%80%ed%8a%b8%ec%97%85-%ec%83%9d%ed%83%9c%ea%b3%84%ec%9d%98-%eb%a9%98%ed%86%a0%eb%a5%b4%ea%b0%80-%ec%82%ac%eb%9d%bc%ec%a7%80%ea%b3%a0-%ec%9e%88%eb%8b%a4\/","title":{"rendered":"\uc2a4\ud0c0\ud2b8\uc5c5 \uc0dd\ud0dc\uacc4\uc758 \uba58\ud1a0\ub974\uac00 \uc0ac\ub77c\uc9c0\uace0 \uc788\ub2e4"},"content":{"rendered":"

\ucd5c\uadfc \uadf9\uc7a5\uac00\uc5d0\uc11c \uc0c1\uc601 \uc911\uc778 \uc601\ud654 ‘\uc624\ub514\uc138\uc774’\uac00 \ucc9c\ub9cc \uad00\uac1d\uc744 \ub3cc\ud30c\ud558\uba70 \ud654\uc81c\ub97c \ubaa8\uc73c\uace0 \uc788\ub2e4. \uc774 \uc601\ud654\ub294 \uadf8\ub9ac\uc2a4 \uc601\uc6c5 \uc624\ub514\uc138\uc6b0\uc2a4\uc758 \uadc0\ud5a5\uc744 \ub2e4\ub8e8\uba70, \uadf8\uc758 \uc5ec\uc815 \uc18d\uc5d0\uc11c \ub4dc\ub7ec\ub098\ub294 \uc778\uac04\uc758 \uace0\ud1b5\uacfc \uc8c4\uc758\uc2dd, \uadf8\ub9ac\uace0 \uadc0\ud5a5 \ubcf8\ub2a5\uc744 \uae4a\uc774 \uc788\uac8c \ud0d0\uad6c\ud558\uace0 \uc788\ub2e4. \ud2b9\ud788, \uc624\ub514\uc138\uc6b0\uc2a4\uc758 \uadc0\ud5a5\uc5d0 \uc788\uc5b4 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud55c \uba58\ud1a0\ub974, \uc989 \ucda9\uc9c1\ud55c \uce5c\uad6c\uc758 \uc874\uc7ac\uac00 \uc8fc\ubaa9\ubc1b\uace0 \uc788\ub2e4. \uba58\ud1a0\ub974\ub294 \uc624\ub514\uc138\uc6b0\uc2a4\uc758 \uc544\ub4e4\uc778 \ud154\ub808\ub9c8\ucf54\uc2a4\ub97c \ubcf4\ud638\ud558\uba70 \uadf8\uac00 \uc544\ubc84\uc9c0\ub97c \ucc3e\uc544 \ub098\uc124 \uc218 \uc788\ub3c4\ub85d \uc790\ub9bd\uc2ec\uacfc \ud310\ub2e8\ub825\uc744 \ud0a4\uc6cc\uc8fc\ub294 \uc5ed\ud560\uc744 \ud588\ub2e4. \uc774\ub7ec\ud55c \uba58\ud1a0\ub974\uc758 \uac1c\ub150\uc740 \ud604\ub300 \uc0ac\ud68c\uc5d0\uc11c ‘\uba58\ud1a0’\ub77c\ub294 \uc6a9\uc5b4\ub85c \ud655\uc7a5\ub418\uc5b4, \ub2e4\uc591\ud55c \ubd84\uc57c\uc5d0\uc11c \uc0ac\ub78c\ub4e4\uc5d0\uac8c \uc9c0\uce68\uc744 \uc81c\uacf5\ud558\ub294 \uc774\ub4e4\uc744 \uc9c0\uce6d\ud558\uac8c \ub418\uc5c8\ub2e4.<\/p>\n

\uc774\uc640 \uac19\uc740 \uba58\ud1a0\ub974\uc758 \uc5ed\ud560\uc740 \uc2a4\ud0c0\ud2b8\uc5c5 \uc0dd\ud0dc\uacc4\uc5d0\uc11c\ub3c4 \uc911\uc694\ud55c \uc758\ubbf8\ub97c \uac16\ub294\ub2e4. \ucd5c\uadfc \uc2a4\ud0c0\ud2b8\uc5c5\uc5d0 \ub300\ud55c \ud22c\uc790\uac00 \uc99d\uac00\ud558\uba74\uc11c \uadf8\ub4e4\uc744 \uc9c0\uc6d0\ud558\ub294 \uc5d4\uc824 \ud22c\uc790\uc790\uc758 \uc5ed\ud560\uc774 \ubd80\uac01\ub418\uace0 \uc788\ub2e4. \uc5d4\uc824 \ud22c\uc790\uc790\ub294 \uc6d0\ub798 \ube0c\ub85c\ub4dc\uc6e8\uc774 \ubba4\uc9c0\uceec\uc758 \uc228\uc740 \ud6c4\uc6d0\uc790\ub97c \uc9c0\uce6d\ud558\ub294 \uc6a9\uc5b4\uc600\uc9c0\ub9cc, \ud604\uc7ac\ub294 \ucd08\uae30 \uc2a4\ud0c0\ud2b8\uc5c5\uc5d0 \uc790\uae08\uacfc \uacbd\ud5d8, \ub124\ud2b8\uc6cc\ud06c\ub97c \uc81c\uacf5\ud558\ub294 \uc774\ub4e4\uc744 \uc77c\uceeb\ub294\ub2e4. \uc774\ub4e4\uc740 \uc2a4\ud0c0\ud2b8\uc5c5\uc758 \uc131\uc7a5\uc5d0 \uc911\uc694\ud55c \ubc11\uac70\ub984\uc774 \ub418\uc5b4\uc8fc\uba70, \uba58\ud1a0\ub974\uc640 \uac19\uc740 \uc5ed\ud560\uc744 \uc218\ud589\ud558\uace0 \uc788\ub2e4. \ud604\uc7ac \ud55c\uad6d\uc5d0\ub294 \uc57d 1\ub9cc 3000\uba85\uc758 \uc2a4\ud0c0\ud2b8\uc5c5 \uba58\ud1a0\ub974\uac00 \ud65c\ub3d9 \uc911\uc774\uba70, \uc774\ub4e4\uc740 \ub9e4\ub144 3000\uc5ec \uac1c\uc758 \uc2a4\ud0c0\ud2b8\uc5c5\uc5d0 1\uc870 2000\uc5b5 \uc6d0 \uc774\uc0c1\uc758 \uc790\uae08\uc744 \ud22c\uc790\ud558\uace0 \uc804\ubb38\uc801\uc778 \uc870\uc5b8\uc744 \uc81c\uacf5\ud558\uace0 \uc788\ub2e4.<\/p>\n

\ud2b9\ud788, \uc5d4\uc824 \ud22c\uc790\ub294 2014\ub144 \ud544\uc790\uac00 \ub3c4\uc785\ud55c \ud301\uc2a4(TIPS) \ud504\ub85c\uadf8\ub7a8\uacfc \uacb0\ud569\ub418\uc5b4 \uc6b0\uc544\ud55c\ud615\uc81c\ub4e4, \ud1a0\uc2a4, \ub2f9\uadfc\ub9c8\ucf13, \uc9c1\ubc29 \ub4f1 \ub9ce\uc740 \uc720\ub2c8\ucf58 \uae30\uc5c5\uc758 \uc131\uc7a5\uc744 \uc9c0\uc6d0\ud558\uc600\ub2e4. \uc774\ub7ec\ud55c \ud750\ub984 \uc18d\uc5d0\uc11c \uc2a4\ud0c0\ud2b8\uc5c5\uc774 \uc131\uacf5\uc801\uc73c\ub85c \uc131\uc7a5\ud558\uae30 \uc704\ud574\uc11c\ub294 \uba85\ub9dd \uc788\ub294 \uc5d4\uc824 \ud22c\uc790\uc790\uc758 \ud22c\uc790\uac00 \ud544\uc218\ub77c\ub294 \uc778\uc2dd\uc774 \ud655\uc0b0\ub418\uace0 \uc788\ub2e4. \uadf8\ub7ec\ub098 \ucd5c\uadfc \ub4e4\uc5b4 \uc5d4\uc824 \ud22c\uc790 \uaddc\ubaa8\uac00 \uac10\uc18c\uc138\ub97c \ubcf4\uc774\uace0 \uc788\uc5b4 \uc6b0\ub824\ub97c \ub0b3\uace0 \uc788\ub2e4. 2021\ub144\uc5d0\ub294 1\uc870 5000\uc5b5 \uc6d0\uc774\ub77c\ub294 \uc0ac\uc0c1 \ucd5c\uace0\uce58\ub97c \uae30\ub85d\ud588\uc9c0\ub9cc, \uc774\ud6c4 \uac10\uc18c\uc138\ub85c \ub3cc\uc544\uc130\ub2e4. \uac1c\uc778\ud22c\uc790\uc870\ud569 \uacb0\uc131\uacfc \uc5d4\uc824 \ud074\ub7fd\uc758 \ud65c\ub3d9\ub3c4 \uc8fc\ucda4\ud55c \ubaa8\uc2b5\uc774\ub2e4.<\/p>\n

\uadf8\ub807\ub2e4\uba74 \uc5d4\uc824 \ud22c\uc790\uac00 \uc904\uc5b4\ub4dc\ub294 \uc774\uc720\ub294 \ubb34\uc5c7\uc77c\uae4c? \uc6b0\uc120, \uae08\uc735\ud22c\uc790\uc0c1\ud488\uc774 \ud22c\uc790\uc790\uc5d0\uac8c \ub9e4\ub825\uc801\uc73c\ub85c \ub2e4\uac00\uac00\uc57c \ud558\ub294 \uc810\uc774 \uc788\ub2e4. \uc5d4\uc824 \ud22c\uc790\ub294 \ucd08\uae30 \uc2a4\ud0c0\ud2b8\uc5c5\uc5d0 \ub300\ud55c \ud22c\uc790\ub85c \uc218\uc775\uc131\uc744 \uc81c\uacf5\ud558\uc9c0\ub9cc \ud68c\uc218 \ub9ac\uc2a4\ud06c\uac00 \ub192\uc544, 30%\uc5d0\uc11c 100%\uc5d0 \uc774\ub974\ub294 \uc18c\ub4dd\uacf5\uc81c \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\uace0 \uc788\ub2e4. \uadf8\ub7ec\ub098 \ucd5c\uadfc \ub208\uc5d0 \ub744\ub294 \uc131\uacf5 \uc0ac\ub840\uac00 \ubd80\uc871\ud558\uba70, \uac1c\uc778\uc885\ud569\uc790\uc0b0\uad00\ub9ac\uacc4\uc88c(ISA)\uc640 \uac19\uc740 \uc808\uc138 \ubc0f \uc720\ub3d9\uc131\uc744 \uace0\ub824\ud55c \ud22c\uc790\uc0c1\ud488\uc774 \uc99d\uac00\ud558\uba74\uc11c \uc5d4\uc824 \ud22c\uc790\uc758 \ub9e4\ub825\uc774 \uac10\uc18c\ud558\uace0 \uc788\ub2e4. <\/p>\n

\ub610\ud55c, \uc5d4\uc824 \ud22c\uc790\ub294 \ub192\uc740 \ub9ac\uc2a4\ud06c\uc5d0 \ube44\ud574 \ud5e4\uc9c0 \uc218\ub2e8\uc774 \ubd80\uc871\ud55c \uc810\ub3c4 \ubb38\uc81c\ub85c \uc9c0\uc801\ub41c\ub2e4. \uacfc\uac70\uc5d0\ub294 \uc815\ubd80\uc758 \ub9e4\uce6d\ud380\ub4dc\ub97c \ud1b5\ud574 \ub9ac\uc2a4\ud06c\ub97c \ubd84\ub2f4\ud560 \uc218 \uc788\uc5c8\uc9c0\ub9cc, \ud604\uc7ac\ub294 \uc774\ub7ec\ud55c \uc9c0\uc6d0\uc774 \ubd80\uc871\ud558\ub2e4. \ud2b9\ud788 \uc9c0\uc5ed\uc5d0\uc11c\ub294 \ubbff\uc744 \ub9cc\ud55c \ud22c\uc790 \uc815\ubcf4\uac00 \ubd80\uc871\ud558\uace0 \ud6c4\uc18d \uc5f0\uacc4 \ud22c\uc790\ub3c4 \uc5ec\uc804\ud788 \ucde8\uc57d\ud55c \uc0c1\ud669\uc774\ub2e4. <\/p>\n

\uc5d4\uc824 \ud22c\uc790 \uc704\ucd95 \ud604\uc0c1\uc740 \uc2a4\ud0c0\ud2b8\uc5c5 \uc0dd\ud0dc\uacc4\uc758 \uc228\uc740 \uc704\uae30 \uc2e0\ud638\uc77c \uc218 \uc788\ub2e4. \ube44\ub85d \uc804\uccb4 \ubca4\ucc98 \ud22c\uc790 \uaddc\ubaa8\ub294 \uc99d\uac00\ud558\uace0 \uc788\uc9c0\ub9cc, \uadf9\ucd08\uae30 \uc2a4\ud0c0\ud2b8\uc5c5\ub4e4\uc5d0\uac8c\ub294 \uc790\uae08\uc774 \ub3cc\uc9c0 \uc54a\ub294 \uc0c1\ud669\uc774\ub2e4. \uc9c0\uc5ed \uccad\ub144\ub4e4\uc5d0\uac8c ‘\ud22c\uc790\uc758 \ub4f1\uc6a9\ubb38’ \uc5ed\ud560\uc744 \ud558\ub358 \uc5d4\uc824 \ud22c\uc790\ub9c8\uc800 \uc904\uc5b4\ub4e0\ub2e4\uba74, \uadf8\ub4e4\uc758 \ub3c4\uc804 \uc758\uc9c0\uc640 \uc5f4\uc815\uc740 \uc5b4\ub514\uc11c \uc9c0\uc6d0\uc744 \ubc1b\uc744 \uc218 \uc788\uc744\uc9c0 \uc758\ubb38\uc774 \ub0a8\ub294\ub2e4. \ub530\ub77c\uc11c, \uc5d4\uc824 \ud22c\uc790\uac00 \ub2e4\uc2dc\uae08 \uccad\ub144 \uc2a4\ud0c0\ud2b8\uc5c5\ub4e4\uc758 \uba58\ud1a0\ub974\ub85c \uac01\uad11\ubc1b\uc744 \uc218 \uc788\ub3c4\ub85d \ud22c\uc790 \ub9e4\ub825\uc744 \ub192\uc77c \uc218 \uc788\ub294 \ub2e4\uc591\ud55c \ub300\uc548\uacfc \uc81c\ub3c4 \uac1c\uc120\uc774 \ud544\uc694\ud558\ub2e4.<\/p>\n

[\uad00\ub828\uae30\uc0ac] https:\/\/n.news.naver.com\/mnews\/article\/011\/0004660675?sid=101<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

\ucd5c\uadfc \uadf9\uc7a5\uac00\uc5d0\uc11c \uc0c1\uc601 \uc911\uc778 \uc601\ud654 ‘\uc624\ub514\uc138\uc774’\uac00 \ucc9c\ub9cc \uad00\uac1d\uc744 \ub3cc\ud30c\ud558\uba70 \ud654\uc81c\ub97c \ubaa8\uc73c\uace0 \uc788\ub2e4. \uc774 \uc601\ud654\ub294 \uadf8\ub9ac\uc2a4 \uc601\uc6c5 \uc624\ub514\uc138\uc6b0\uc2a4\uc758 \uadc0\ud5a5\uc744 \ub2e4\ub8e8\uba70, \uadf8\uc758 \uc5ec\uc815 \uc18d\uc5d0\uc11c \ub4dc\ub7ec\ub098\ub294 \uc778\uac04\uc758 \uace0\ud1b5\uacfc \uc8c4\uc758\uc2dd, \uadf8\ub9ac\uace0 \uadc0\ud5a5 \ubcf8\ub2a5\uc744 \uae4a\uc774 \uc788\uac8c \ud0d0\uad6c\ud558\uace0 \uc788\ub2e4. \ud2b9\ud788, \uc624\ub514\uc138\uc6b0\uc2a4\uc758 \uadc0\ud5a5\uc5d0 \uc788\uc5b4 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud55c \uba58\ud1a0\ub974, \uc989 \ucda9\uc9c1\ud55c \uce5c\uad6c\uc758 \uc874\uc7ac\uac00 \uc8fc\ubaa9\ubc1b\uace0 \uc788\ub2e4. \uba58\ud1a0\ub974\ub294 \uc624\ub514\uc138\uc6b0\uc2a4\uc758 \uc544\ub4e4\uc778 \ud154\ub808\ub9c8\ucf54\uc2a4\ub97c \ubcf4\ud638\ud558\uba70 \uadf8\uac00 \uc544\ubc84\uc9c0\ub97c \ucc3e\uc544 […]<\/p>\n","protected":false},"author":37,"featured_media":68,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"\uc2a4\ud0c0\ud2b8\uc5c5","_yoast_wpseo_metadesc":"\ucd5c\uadfc \uc2a4\ud0c0\ud2b8\uc5c5 \uc0dd\ud0dc\uacc4\uc5d0\uc11c \uc5d4\uc824 \ud22c\uc790\uc790\uc758 \uc5ed\ud560\uc774 \ucd95\uc18c\ub418\uace0 \uc788\ub2e4. \ucd08\uae30 \uc2a4\ud0c0\ud2b8\uc5c5\uc5d0 \uc790\uae08\uacfc \uacbd\ud5d8\uc744 \uc81c\uacf5\ud558\ub294 \uc5d4\uc824 \ud22c\uc790\uc790\ub294 \uba58\ud1a0\ub974\uc640 \uac19\uc740 \uc874\uc7ac\ub85c, \uc774\ub4e4\uc758 \uac10\uc18c\uac00 \uc2a4\ud0c0\ud2b8\uc5c5 \uc0dd\ud0dc\uacc4\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc774 \uc6b0\ub824\ub418\uace0 \uc788\ub2e4. \ud22c\uc790 \ub9e4\ub825\uc744 \ub192\uc77c \ub2e4\uc591\ud55c \ub300\uc548\uacfc \uc81c\ub3c4 \uac1c\uc120\uc774 \ud544\uc694\ud558\ub2e4.","footnotes":""},"categories":[4],"tags":[15001,7646,15305,5865,3091],"class_list":["post-29794","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-4","tag-ace--","tag-ai-","tag-15305","tag-5865","tag-3091"],"yoast_head":"\n\uc2a4\ud0c0\ud2b8\uc5c5 \uc0dd\ud0dc\uacc4\uc758 \uba58\ud1a0\ub974\uac00 \uc0ac\ub77c\uc9c0\uace0 \uc788\ub2e4 - \ub450\ucc3d\ud2b9\ud5c8\ubc95\ub960\uc0ac\ubb34\uc18c<\/title>\n<meta name=\"description\" content=\"\ucd5c\uadfc \uc2a4\ud0c0\ud2b8\uc5c5 \uc0dd\ud0dc\uacc4\uc5d0\uc11c \uc5d4\uc824 \ud22c\uc790\uc790\uc758 \uc5ed\ud560\uc774 \ucd95\uc18c\ub418\uace0 \uc788\ub2e4. \ucd08\uae30 \uc2a4\ud0c0\ud2b8\uc5c5\uc5d0 \uc790\uae08\uacfc \uacbd\ud5d8\uc744 \uc81c\uacf5\ud558\ub294 \uc5d4\uc824 \ud22c\uc790\uc790\ub294 \uba58\ud1a0\ub974\uc640 \uac19\uc740 \uc874\uc7ac\ub85c, \uc774\ub4e4\uc758 \uac10\uc18c\uac00 \uc2a4\ud0c0\ud2b8\uc5c5 \uc0dd\ud0dc\uacc4\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc774 \uc6b0\ub824\ub418\uace0 \uc788\ub2e4. \ud22c\uc790 \ub9e4\ub825\uc744 \ub192\uc77c \ub2e4\uc591\ud55c \ub300\uc548\uacfc \uc81c\ub3c4 \uac1c\uc120\uc774 \ud544\uc694\ud558\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\/\uc2a4\ud0c0\ud2b8\uc5c5-\uc0dd\ud0dc\uacc4\uc758-\uba58\ud1a0\ub974\uac00-\uc0ac\ub77c\uc9c0\uace0-\uc788\ub2e4\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\uc2a4\ud0c0\ud2b8\uc5c5 \uc0dd\ud0dc\uacc4\uc758 \uba58\ud1a0\ub974\uac00 \uc0ac\ub77c\uc9c0\uace0 \uc788\ub2e4 - \ub450\ucc3d\ud2b9\ud5c8\ubc95\ub960\uc0ac\ubb34\uc18c\" \/>\n<meta property=\"og:description\" content=\"\ucd5c\uadfc \uc2a4\ud0c0\ud2b8\uc5c5 \uc0dd\ud0dc\uacc4\uc5d0\uc11c \uc5d4\uc824 \ud22c\uc790\uc790\uc758 \uc5ed\ud560\uc774 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