{"id":6098,"date":"2025-11-01T07:36:15","date_gmt":"2025-10-31T22:36:15","guid":{"rendered":"https:\/\/www.doochang.co.kr\/blog\/%ec%8a%a4%ed%83%80%ed%8a%b8%ec%97%85-%ec%83%9d%ec%a1%b4%ec%9d%98-%eb%82%9c%ea%b4%80-%eb%b2%97%ec%96%b4%eb%82%98%ea%b8%b0-%ec%9c%84%ed%95%9c-%ea%b8%88%ec%9c%b5%ec%9d%98-%ec%a0%84%ed%99%98-%ed%95%84\/"},"modified":"2025-11-01T07:36:15","modified_gmt":"2025-10-31T22:36:15","slug":"%ec%8a%a4%ed%83%80%ed%8a%b8%ec%97%85-%ec%83%9d%ec%a1%b4%ec%9d%98-%eb%82%9c%ea%b4%80-%eb%b2%97%ec%96%b4%eb%82%98%ea%b8%b0-%ec%9c%84%ed%95%9c-%ea%b8%88%ec%9c%b5%ec%9d%98-%ec%a0%84%ed%99%98-%ed%95%84","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%ec%a1%b4%ec%9d%98-%eb%82%9c%ea%b4%80-%eb%b2%97%ec%96%b4%eb%82%98%ea%b8%b0-%ec%9c%84%ed%95%9c-%ea%b8%88%ec%9c%b5%ec%9d%98-%ec%a0%84%ed%99%98-%ed%95%84\/","title":{"rendered":"\uc2a4\ud0c0\ud2b8\uc5c5 \uc0dd\uc874\uc758 \ub09c\uad00 \ubc97\uc5b4\ub098\uae30 \uc704\ud55c \uae08\uc735\uc758 \uc804\ud658 \ud544\uc694\uc131"},"content":{"rendered":"

\ucd5c\uadfc \ud55c\uad6d\uc758 \uc2a4\ud0c0\ud2b8\uc5c5 \uc0dd\ud0dc\uacc4\ub294 \uc2ec\uac01\ud55c \uc704\uae30\uc5d0 \ucc98\ud574 \uc788\ub2e4. \uc2e0\uc0dd \ubca4\ucc98\uae30\uc5c5\uc758 \ub4f1\ub85d \uc218\uac00 \uc904\uc5b4\ub4dc\ub294 \ud55c\ud3b8, \uc2a4\ud0c0\ud2b8\uc5c5\uc758 \ud3d0\uc5c5\uc774 \uc99d\uac00\ud558\ub294 \uc0c1\ud669\uc5d0\uc11c \u2018\uc2a4\ud0c0\ud2b8\uc5c5 \ub300\ud3d0\uc5c5 \uc2dc\ub300\u2019\ub77c\ub294 \uc6b0\ub824\uc758 \ubaa9\uc18c\ub9ac\uac00 \ub192\uc544\uc9c0\uace0 \uc788\ub2e4. \uc774\ub7ec\ud55c \uc0c1\ud669 \uc18d\uc5d0\uc11c \uc774\uc7ac\uba85 \uc815\ubd80\ub294 \u2018\uc0dd\uc0b0\uc801 \uae08\uc735\u2019\uc744 \uac15\uc870\ud558\uba70, \ubd80\ub3d9\uc0b0 \uc911\uc2ec\uc758 \uc790\uae08\uc744 \uae30\uc5c5 \ud22c\uc790\ub85c \uc804\ud658\ud558\uaca0\ub2e4\ub294 \uc758\uc9c0\ub97c \ubcf4\uc600\ub2e4. \uc815\ubd80\uc758 \uc774\ub7ec\ud55c \uc815\ucc45\uc740 \uc790\uae08\uc758 \ud750\ub984\uc744 \ubcc0\ud654\uc2dc\ucf1c \uae30\uc5c5\uc758 \ud601\uc2e0\uacfc \uc131\uc7a5\uc744 \uc9c0\uc6d0\ud558\uace0\uc790 \ud558\ub294 \ubaa9\uc801\uc744 \uac00\uc9c0\uace0 \uc788\ub2e4.<\/p>\n

\ud558\uc9c0\ub9cc \ud604\uc2e4\uc801\uc73c\ub85c \uae08\uc735\uad8c\uc758 \ub300\uc751\uc740 \ubbf8\ube44\ud55c \uc0c1\ud669\uc774\ub2e4. \uae08\uc735\uc9c0\uc8fc\ub4e4\uc740 \uc815\ubd80\uc758 \uc815\ucc45\uc5d0 \ub530\ub77c \uc0dd\uc0b0\uc801 \uae08\uc735 \ud0dc\uc2a4\ud06c\ud3ec\uc2a4\ub97c \uad6c\uc131\ud558\uace0 \uc788\uc9c0\ub9cc, \uae08\uc0b0\ubd84\ub9ac \uaddc\uc815 \ubc0f \uc704\ud5d8\uac00\uc911\uc790\uc0b0(RWA) \uac00\uc911\uce58\uc758 \uc81c\uc57d\uc73c\ub85c \uc778\ud574 \uc9c1\uc811 \ud22c\uc790\uac00 \uc5b4\ub824\uc6cc\uc9c0\uace0 \uc788\ub2e4. \uc774\uc5d0 \ub530\ub77c \ubca4\ucc98\uae30\uc5c5\uc5d0 \ub300\ud55c \uc790\uae08 \uc9c0\uc6d0\uc740 \uac04\uc811 \ud22c\uc790\uc5d0 \ud3b8\uc911\ub418\uace0 \uc788\ub294 \uc2e4\uc815\uc774\ub2e4. \uc774\ub7ec\ud55c \uc0c1\ud669\uc740 \ubca4\ucc98\uc5c5\uacc4\uc758 \ubaa9\uc18c\ub9ac\ub97c \ub354\uc6b1 \uc808\uc2e4\ud558\uac8c \ub9cc\ub4e0\ub2e4. \uae08\uc735\uad8c\uc774 \ub2e8\uc21c\ud788 \uc815\ubd80 \uc815\ucc45\uc5d0 \ub530\ub77c \u2018\uc0dd\uc0c9\ub0b4\uae30\uc6a9\u2019 \ud22c\uc790\ub97c \uc9c4\ud589\ud558\ub294 \uac83\uc774 \uc544\ub2c8\ub77c, \ubca4\ucc98\uae30\uc5c5\uc5d0 \ub300\ud55c \uc790\uccb4 \ud3c9\uac00 \uae30\uc900\uc744 \uace0\ub3c4\ud654\ud558\uace0 \ub9ac\uc2a4\ud06c\ub97c \uac10\uc218\ud558\ub294 \uc9c4\uc815\ud55c \ud22c\uc790\uac00 \ud544\uc694\ud558\ub2e4\ub294 \uac83\uc774\ub2e4.<\/p>\n

\uae08\uc735\uc704\uc6d0\ud68c\ub294 \ubd80\ub3d9\uc0b0 \ub300\ucd9c \uc911\uc2ec\uc758 \uc790\uae08\uc904\uc744 \ud601\uc2e0\uae30\uc5c5\uc5d0 \ud22c\uc790\ud558\ub294 \ubc29\ud5a5\uc73c\ub85c\uc758 \uc804\ud658\uc744 \uc120\uc5b8\ud588\uc9c0\ub9cc, \uc2e4\uc81c\ub85c \uac01 \uae08\uc735\uc0ac\uc5d0\uc11c \ucd94\uc9c4\ud55c \uc0dd\uc0b0\uc801 \uae08\uc735 \uacc4\ud68d\uc740 \ub300\uaddc\ubaa8 \uc778\ud504\ub77c \uad6c\ucd95\uc5d0 \uc9d1\uc911\ub418\uc5b4 \uc788\uc73c\uba70, \ubca4\ucc98 \ubc0f \uc2a4\ud0c0\ud2b8\uc5c5\uc5d0 \ub300\ud55c \uba85\ud655\ud55c \uc790\uae08 \uacf5\uae09 \ub85c\ub4dc\ub9f5\uc740 \ubd80\uc871\ud55c \uc2e4\uc815\uc774\ub2e4. \ucd5c\uadfc \ubca4\ucc98\uc5c5\uacc4\ub294 \uae08\ub9ac \uc778\uc0c1\uacfc \uacbd\uae30 \uce68\uccb4 \uc6b0\ub824\ub85c \uc778\ud574 \u2018\ud22c\uc790 \ud639\ud55c\uae30\u2019\ub97c \ub9de\uc774\ud558\uace0 \uc788\ub2e4. \uc774\ub85c \uc778\ud574 \ub9ce\uc740 \uae30\uc5c5\ub4e4\uc774 \ud734\uc5c5, \ud3d0\uc5c5, \ud30c\uc0b0\uc758 \uc704\uae30\ub97c \ub9de\uace0 \uc788\uc73c\uba70, \uc790\uae08 \uc720\uc785\uc774 \uc808\uc2e4\ud55c \uc0c1\ud669\uc774\ub2e4.<\/p>\n

\uc911\uc18c\ubca4\ucc98\uae30\uc5c5\ubd80\uc758 \uc790\ub8cc\uc5d0 \ub530\ub974\uba74, \u2018\ubca4\ucc98\ud655\uc778\uae30\uc5c5\u2019 \uc911 \ud734\uc5c5, \ud3d0\uc5c5, \ud30c\uc0b0\uc73c\ub85c \ud655\uc778\uc774 \ucde8\uc18c\ub41c \uae30\uc5c5\uc740 \uc9c0\ub09c\ud574 299\uacf3\uc5d0 \ub2ec\ud558\uba70, \uc774\ub294 \uc5ed\ub300 \ucd5c\ub2e4 \uae30\ub85d\uc774\ub2e4. \uc774\ub7ec\ud55c \uc0c1\ud669\uc740 \uae30\uc220 \ud601\uc2e0\uc131\uacfc \uc0ac\uc5c5 \uc131\uc7a5\uc131\uc744 \uc778\uc815\ubc1b\uc740 \uae30\uc5c5\ub4e4\uc870\ucc28 \uc790\uae08 \uc720\ub3d9\uc131 \ubd80\uc871\uc73c\ub85c \uc5b4\ub824\uc6c0\uc744 \uacaa\uace0 \uc788\ub2e4\ub294 \uc2e0\ud638\ub85c \ud574\uc11d\ub41c\ub2e4. \uc774\uc7ac\uba85 \uc815\ubd80\uac00 \uae08\uc735\uad8c\uc5d0 \u2018\uc0dd\uc0b0\uc801 \uae08\uc735 \ud655\ub300\u2019\ub97c \uac15\uc870\ud558\uba74\uc11c \uc740\ud589\uad8c\uc758 \uc790\uae08\uc744 \uae30\uc5c5 \ud22c\uc790\ub85c \uc720\ub3c4\ud558\ub824\uace0 \ud558\uc9c0\ub9cc, \uc2e4\uc81c\ub85c\ub294 \uc740\ud589\uad8c\uc758 \ubca4\ucc98 \ud22c\uc790 \uaddc\ubaa8\ub294 \uc5ec\uc804\ud788 \ubbf8\ubbf8\ud55c \uc218\uc900\uc5d0 \uba38\ubb3c\ub7ec \uc788\ub2e4.<\/p>\n

\uc9c0\ub09c\ud574 \uad6d\ub0b4 \uc2e0\uaddc \ubca4\ucc98\ud22c\uc790 \uaddc\ubaa8\ub294 \uc57d 11\uc8709000\uc5b5\uc6d0\uc5d0 \ub2ec\ud588\uc9c0\ub9cc, 4\ub300 \uae08\uc735\uc9c0\uc8fc \uacc4\uc5f4 \ubca4\ucc98\uce90\ud53c\ud138\uc758 \ud22c\uc790\uae08\uc740 4941\uc5b5\uc6d0\uc5d0 \uadf8\ucce4\ub2e4. \uc774\ucc98\ub7fc \uc740\ud589\uad8c\uc758 \uc21c\uc774\uc775\uc774 \uc0ac\uc0c1 \ucd5c\ub300\uce58\ub97c \uae30\ub85d\ud558\uace0 \uc788\uc74c\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \ubca4\ucc98\uc5c5\uacc4\uc5d0 \ub300\ud55c \ud22c\uc790\ub294 7%\uc5d0 \ubd88\uacfc\ud558\ub2e4. \ubca4\ucc98\uc5c5\uacc4 \uad00\uacc4\uc790\ub294 \u201c\uae08\uc735\uad8c\uc5d0\uc11c \uc9c1\uc811 \ud22c\uc790\ub97c \ud558\ub294 \uac83\uc774 \ubc95\uc801 \uc81c\uc57d\uc73c\ub85c \uc778\ud574 \uc5b4\ub835\ub2e4\u201d\uba70 \u201c\uc774\ub7f0 \uc0c1\ud669\uc5d0\uc11c \uc790\ud68c\uc0ac\uc778 \ubca4\ucc98\uce90\ud53c\ud138\uc744 \ud1b5\ud55c \uac04\uc811 \ud22c\uc790\uac00 \ub300\ubd80\ubd84\uc774\ub2e4\u201d\ub77c\uace0 \uc124\uba85\ud588\ub2e4.<\/p>\n

\uc774\ub7ec\ud55c \uace0\ube44\uc6a9\uc758 \uae08\uc735 \ud658\uacbd \uc544\ub798\uc5d0\uc11c \ubca4\ucc98 \uc0dd\ud0dc\uacc4\ub97c \uc0b4\ub9ac\uae30 \uc704\ud574\uc11c\ub294 \uc740\ud589\uad8c\uc774 \ubca4\ucc98 \uc0b0\uc5c5\uc5d0 \ub300\ud55c \uc774\ud574\ub97c \ub192\uc774\uace0, \ub9ac\uc2a4\ud06c\ub97c \uac10\uc218\ud560 \uc218 \uc788\ub294 \ud658\uacbd\uc744 \uc870\uc131\ud574\uc57c \ud55c\ub2e4. \uc790\uae08 \uc6b4\uc6a9\uc774 \uc5ec\ub7ec \uaddc\uc81c\ub85c \ub9c9\ud600 \uc788\ub294 \ud604\uc7ac\uc758 \uc0c1\ud669\uc5d0\uc11c, \uae08\uc735\uc9c0\uc8fc\ub4e4\uc740 \ub9ac\uc2a4\ud06c\ub97c \ud68c\ud53c\ud558\ub824\ub294 \uacbd\ud5a5\uc774 \uac15\ud558\ub2e4. \uc774\ub7ec\ud55c \uacbd\ud5a5\uc740 \uacb0\uad6d \ubca4\ucc98 \uc0dd\ud0dc\uacc4\uc758 \uc131\uc7a5\uc744 \uc800\ud574\ud560 \uc218 \uc788\ub294 \uc694\uc778\uc73c\ub85c \uc791\uc6a9\ud560 \uc218 \uc788\ub2e4. \uc815\ubd80\uc640 \uae08\uc735\uad8c\uc758 \ud611\ub825\uc774 \uc808\uc2e4\ud55c \ub54c\uc774\ub2e4. \uc2a4\ud0c0\ud2b8\uc5c5\uc774 \uc9c0\uc18d\uc801\uc73c\ub85c \uc131\uc7a5\ud560 \uc218 \uc788\ub294 \ud658\uacbd\uc744 \uc870\uc131\ud558\uae30 \uc704\ud574\uc11c\ub294 \ub2e8\uc21c\ud55c \uc815\ucc45\uc801 \uc120\uc5b8\uc774 \uc544\ub2c8\ub77c \uc2e4\uc9c8\uc801\uc778 \uae08\uc735 \uc9c0\uc6d0\uc774 \ud544\uc694\ud558\ub2e4. <\/p>\n

\uacb0\uad6d, \uc2a4\ud0c0\ud2b8\uc5c5 \uc0dd\ud0dc\uacc4\ub97c \ud65c\uc131\ud654\ud558\uae30 \uc704\ud55c \u2018\uc0dd\uc0b0\uc801 \uae08\uc735\u2019\uc758 \uc9c4\uc815\ud55c \uc2e4\ud604\uc744 \uc704\ud574\uc11c\ub294 \uae08\uc735\uad8c\uc758 \uc801\uadf9\uc801\uc778 \ucc38\uc5ec\uc640 \ub9ac\uc2a4\ud06c \ud14c\uc774\ud0b9\uc774 \ud544\uc218\uc801\uc774\ub2e4. \uc815\ubd80\uc758 \uc815\ucc45\uc774 \uad6c\uccb4\uc801\uc778 \uc2e4\ucc9c\uc73c\ub85c \uc774\uc5b4\uc838, \uc2e0\uc0dd \uae30\uc5c5\ub4e4\uc774 \uc548\uc815\uc801\uc73c\ub85c \uc131\uc7a5\ud560 \uc218 \uc788\ub294 \uae08\uc735 \ud658\uacbd\uc774 \uc870\uc131\ub418\uae30\ub97c \uae30\ub300\ud55c\ub2e4.<\/p>\n

[\uad00\ub828\uae30\uc0ac] https:\/\/n.news.naver.com\/mnews\/article\/119\/0003019078?sid=101<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

\ucd5c\uadfc \ud55c\uad6d\uc758 \uc2a4\ud0c0\ud2b8\uc5c5 \uc0dd\ud0dc\uacc4\ub294 \uc2ec\uac01\ud55c \uc704\uae30\uc5d0 \ucc98\ud574 \uc788\ub2e4. \uc2e0\uc0dd \ubca4\ucc98\uae30\uc5c5\uc758 \ub4f1\ub85d \uc218\uac00 \uc904\uc5b4\ub4dc\ub294 \ud55c\ud3b8, \uc2a4\ud0c0\ud2b8\uc5c5\uc758 \ud3d0\uc5c5\uc774 \uc99d\uac00\ud558\ub294 \uc0c1\ud669\uc5d0\uc11c \u2018\uc2a4\ud0c0\ud2b8\uc5c5 \ub300\ud3d0\uc5c5 \uc2dc\ub300\u2019\ub77c\ub294 \uc6b0\ub824\uc758 \ubaa9\uc18c\ub9ac\uac00 \ub192\uc544\uc9c0\uace0 \uc788\ub2e4. \uc774\ub7ec\ud55c \uc0c1\ud669 \uc18d\uc5d0\uc11c \uc774\uc7ac\uba85 \uc815\ubd80\ub294 \u2018\uc0dd\uc0b0\uc801 \uae08\uc735\u2019\uc744 \uac15\uc870\ud558\uba70, \ubd80\ub3d9\uc0b0 \uc911\uc2ec\uc758 \uc790\uae08\uc744 \uae30\uc5c5 \ud22c\uc790\ub85c \uc804\ud658\ud558\uaca0\ub2e4\ub294 \uc758\uc9c0\ub97c \ubcf4\uc600\ub2e4. \uc815\ubd80\uc758 \uc774\ub7ec\ud55c \uc815\ucc45\uc740 \uc790\uae08\uc758 \ud750\ub984\uc744 \ubcc0\ud654\uc2dc\ucf1c \uae30\uc5c5\uc758 \ud601\uc2e0\uacfc \uc131\uc7a5\uc744 \uc9c0\uc6d0\ud558\uace0\uc790 \ud558\ub294 \ubaa9\uc801\uc744 \uac00\uc9c0\uace0 \uc788\ub2e4. […]<\/p>\n","protected":false},"author":70,"featured_media":69,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"\uc2a4\ud0c0\ud2b8\uc5c5","_yoast_wpseo_metadesc":"\uc2a4\ud0c0\ud2b8\uc5c5\uc758 \ud3d0\uc5c5 \uc99d\uac00\uc640 \uc2e0\uc0dd \ubca4\ucc98\uae30\uc5c5 \ub4f1\ub85d \uac10\uc18c \uc18d\uc5d0\uc11c \uc774\uc7ac\uba85 \uc815\ubd80\uc758 '\uc0dd\uc0b0\uc801 \uae08\uc735' \uc815\ucc45\uc774 \uc8fc\ubaa9\ubc1b\uace0 \uc788\ub2e4. \uadf8\ub7ec\ub098 \uae08\uc735\uad8c\uc758 \uc790\uae08 \uc9c0\uc6d0\uc740 \uc5ec\uc804\ud788 \uac04\uc811 \ud22c\uc790\uc5d0 \ud3b8\uc911\ub418\uc5b4 \uc788\uc73c\uba70, \ubca4\ucc98\uc5c5\uacc4\uc5d0\uc11c\uc758 \uc790\uae08 \uc720\ub3d9\uc131 \ubd80\uc871\uc774 \uc2ec\uac01\ud55c \uc0c1\ud669\uc774\ub2e4. \uc815\ubd80\uc640 \uae08\uc735\uad8c\uc758 \ud611\ub825\uc774 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