{"id":7855,"date":"2025-11-20T07:25:52","date_gmt":"2025-11-19T22:25:52","guid":{"rendered":"https:\/\/www.doochang.co.kr\/blog\/%ea%b5%ad%eb%af%bc%ec%84%b1%ec%9e%a5%ed%8e%80%eb%93%9c-%ec%b6%9c%eb%b2%94-%ec%95%9e%eb%91%94-%ea%b8%88%ec%9c%b5%ec%8b%9c%ec%9e%a5-%ec%b0%a8%ea%b0%80%ec%9a%b4-%ec%8b%9c%ec%84%a0%ec%9d%98-%ec%9d%b4\/"},"modified":"2025-11-20T07:25:52","modified_gmt":"2025-11-19T22:25:52","slug":"%ea%b5%ad%eb%af%bc%ec%84%b1%ec%9e%a5%ed%8e%80%eb%93%9c-%ec%b6%9c%eb%b2%94-%ec%95%9e%eb%91%94-%ea%b8%88%ec%9c%b5%ec%8b%9c%ec%9e%a5-%ec%b0%a8%ea%b0%80%ec%9a%b4-%ec%8b%9c%ec%84%a0%ec%9d%98-%ec%9d%b4","status":"publish","type":"post","link":"https:\/\/www.doochang.co.kr\/blog\/%ea%b5%ad%eb%af%bc%ec%84%b1%ec%9e%a5%ed%8e%80%eb%93%9c-%ec%b6%9c%eb%b2%94-%ec%95%9e%eb%91%94-%ea%b8%88%ec%9c%b5%ec%8b%9c%ec%9e%a5-%ec%b0%a8%ea%b0%80%ec%9a%b4-%ec%8b%9c%ec%84%a0%ec%9d%98-%ec%9d%b4\/","title":{"rendered":"\uad6d\ubbfc\uc131\uc7a5\ud380\ub4dc \ucd9c\ubc94 \uc55e\ub454 \uae08\uc735\uc2dc\uc7a5 \ucc28\uac00\uc6b4 \uc2dc\uc120\uc758 \uc774\uc720\ub294"},"content":{"rendered":"

\uc815\ubd80\uac00 \uc800\uc131\uc7a5 \uadf9\ubcf5\uc744 \uc704\ud574 150\uc870 \uc6d0 \uaddc\ubaa8\uc758 \uad6d\ubbfc\uc131\uc7a5\ud380\ub4dc \ucd9c\ubc94\uc744 \uc54c\ub838\uc9c0\ub9cc, \uae08\uc735\uc2dc\uc7a5\uc5d0\uc11c\uc758 \ubc18\uc751\uc740 \uc608\uc0c1\uacfc \ub2ec\ub9ac \ucc28\uac00\uc6b4 \ubaa8\uc2b5\uc774\ub2e4. \uc774\uc5b5\uc6d0 \uae08\uc735\uc704\uc6d0\uc7a5\uc740 \ud380\ub4dc\uc758 \ucd9c\ubc94\uc744 \uc55e\ub450\uace0 ‘\uc0c8\ub85c\uc6b4 \uae38’\uc744 \uac15\uc870\ud588\uc73c\ub098, \uc2dc\uc7a5\uc740 \uacfc\uac70\uc758 \uc2e4\ud328 \uc0ac\ub840\uc640 \uc911\ubcf5 \ud22c\uc790 \uac00\ub2a5\uc131 \ub4f1\uc73c\ub85c \uc778\ud574 \uc6b0\ub824\uc758 \ubaa9\uc18c\ub9ac\ub97c \ub192\uc774\uace0 \uc788\ub2e4.<\/p>\n

\uc774\ubc88 \uad6d\ubbfc\uc131\uc7a5\ud380\ub4dc\ub294 \uc5ed\ub300 \ucd5c\ub300 \uaddc\ubaa8\ub85c, \uc815\ubd80 \uc8fc\ub3c4\uc758 \uad00\uce58\uae08\uc735 \ud380\ub4dc\uc5d0 \ub300\ud55c \uc6b0\ub824\uac00 \uc2ec\ud654\ub418\uace0 \uc788\ub2e4. \uc774\ub294 5\ub144 \uc804 \ubb38\uc7ac\uc778 \uc815\ubd80 \ud558\uc5d0\uc11c \uc2dc\ud589\ub41c \ud55c\uad6d\ud310 \ub274\ub51c\ud380\ub4dc\uc758 \uc2e4\ud328 \uc0ac\ub840\uac00 \uc5ec\uc804\ud788 \uae30\uc5b5\uc5d0 \ub0a8\uc544 \uc788\uae30 \ub54c\ubb38\uc774\ub2e4. \ub2f9\uc2dc \ub274\ub51c\ud380\ub4dc\ub294 \uad6d\ubbfc \uc7ac\ud14c\ud06c \uc0c1\ud488\uc73c\ub85c \ud64d\ubcf4\ub418\uc5c8\uc73c\ub098, \ud3c9\uade0 2.14%\uc758 \uc218\uc775\ub960\uc744 \uae30\ub85d\ud558\uba70 \ud070 \uc2e4\ub9dd\uc744 \uc548\uacbc\ub2e4. \uc774 \uc218\uc775\ub960\uc740 \uc815\ubd80 \uc7ac\uc815\uc774 \uc190\uc2e4\uc744 \uba3c\uc800 \ubd80\ub2f4\ud55c \uae30\uc900\uc73c\ub85c, \uc2e4\uc81c \ud380\ub4dc \uc218\uc775\ub960\uc740 \ub354\uc6b1 \uc800\uc870\ud55c 0.75%\uc5d0 \uadf8\ucce4\ub2e4. \uc774\ub294 \ud380\ub4dc\uc5d0 \ub300\ud55c \uc2e0\ub8b0\ub97c \ud06c\uac8c \ub5a8\uc5b4\ub728\ub9b0 \uc694\uc778\uc73c\ub85c \uc791\uc6a9\ud558\uace0 \uc788\ub2e4.<\/p>\n

\uae08\uc735\uad8c\uc758 \ud55c \uad00\uacc4\uc790\ub294 \ub274\ub51c\ud380\ub4dc\uac00 \uad00\uce58\ud380\ub4dc\uc640 \ud3ec\ud4f0\ub9ac\uc998 \ube44\ud310 \uc18d\uc5d0\uc11c \ubbfc\uac04 \uc790\ubcf8 \uc720\uc785 \ubd80\uc9c4\uacfc \uc800\uc870\ud55c \uc218\uc775\ub960\uc744 \ub0a8\uacbc\ub2e4\uace0 \uc9c0\uc801\ud558\uba70, \uc774\ubc88 \uad6d\ubbfc\uc131\uc7a5\ud380\ub4dc\ub3c4 \uc2e4\ud328\ub97c \ubc18\ubcf5\ud560 \uac00\ub2a5\uc131\uc774 \uc874\uc7ac\ud55c\ub2e4\uace0 \uacbd\uace0\ud588\ub2e4. \uc815\ubd80\uc758 \uc815\ucc45 \uc758\uc9c0\ubcf4\ub2e4\ub294 \ud380\ub4dc \uad6c\uc870\uc758 \uac1c\uc120\uc774 \ud544\uc694\ud558\ub2e4\ub294 \ubd84\uc11d\uc774 \uc774\uc5b4\uc9c4\ub2e4. \ud2b9\ud788 \uad6d\ud68c\uc608\uc0b0\uc815\ucc45\ucc98\ub294 \uc774\ubc88 \ud380\ub4dc\uac00 \uae30\uc874 \uc815\ucc45\ud380\ub4dc\uc640\uc758 \uc911\ubcf5 \ud22c\uc790\ub97c \ucd08\ub798\ud560 \uc218 \uc788\ub2e4\uace0 \uacbd\uace0\ud558\uace0 \uc788\ub2e4. AI \ubd84\uc57c\uc758 ‘\uc778\uacf5\uc9c0\ub2a5 \ud601\uc2e0\ud380\ub4dc’, \ubc14\uc774\uc624 \ubd84\uc57c\uc758 ‘\ucf00\uc774\u00b7\ubc14\uc774\uc624\u00b7\ubc31\uc2e0\ud380\ub4dc’ \ub4f1\uacfc \ud22c\uc790 \ub300\uc0c1\uc774 \uacb9\uccd0 \ubbfc\uac04 \ucd9c\uc790 \uc218\uc694\uac00 \ubd84\uc0b0\ub420 \uc6b0\ub824\uac00 \ud06c\uae30 \ub54c\ubb38\uc774\ub2e4.<\/p>\n

\uc774\ub85c \uc778\ud574 \uc815\ucc45\ud380\ub4dc \uc6b4\uc6a9\uc758 \ube44\ud6a8\uc728\uc774 \uc2ec\ud654\ub418\uace0, \uac01 \ubd84\uc57c\uc758 \ud22c\uc790 \uc131\uacfc \uc810\uac80\uc774 \uc5b4\ub824\uc6cc\uc9c8 \uc218 \uc788\ub2e4. \ub610\ud55c, \uc815\ucc45\ud380\ub4dc\uac00 \ubbfc\uac04 \ubca4\ucc98\uce90\ud53c\ud0c8 \uc2dc\uc7a5\uc5d0 \ubbf8\uce60 \ubd80\uc815\uc801\uc778 \uc601\ud5a5\ub3c4 \uc6b0\ub824\ub418\uace0 \uc788\ub2e4. \uc740\ud589\ub4e4\uc774 \uc81c\ud55c\ub41c \uc704\ud5d8\uac00\uc911\uc790\uc0b0(RWA) \uc608\uc0b0\uc744 \uad6d\ubbfc\uc131\uc7a5\ud380\ub4dc \ucd9c\uc790\uc5d0 \uc18c\uc9c4\ud558\uac8c \ub418\uba74, \uae30\uc874 \uc911\uc18c\ud615 \ubbfc\uac04 \ubca4\ucc98\uce90\ud53c\ud0c8 \ud380\ub4dc\uc5d0 \ub300\ud55c \ud22c\uc790\uac00 \uc904\uc5b4\ub4e4 \uac83\uc73c\ub85c \uc608\uc0c1\ub41c\ub2e4.<\/p>\n

\ud574\uc678\uc758 \uc2e4\ud328 \uc0ac\ub840\ub3c4 \uc8fc\ubaa9\ubc1b\uace0 \uc788\ub2e4. \uad6d\ubbfc\uc131\uc7a5\ud380\ub4dc\uc758 \uadfc\uac70\ub85c \uc5b8\uae09\ub418\ub294 \uc77c\ubcf8\uc758 \uc0b0\uc5c5\ud601\uc2e0\uae30\uad6c(INCJ)\ub294 \uacfc\uac70 \uc5ec\ub7ec \uc2e4\ud328\ub97c \uacaa\uc5c8\uc73c\uba70, \uc774\uc640 \uc720\uc0ac\ud55c \uae38\uc744 \uac77\uac8c \ub420 \uc218 \uc788\ub2e4\ub294 \uc6b0\ub824\uac00 \uc81c\uae30\ub418\uace0 \uc788\ub2e4. INCJ\uac00 \uc8fc\ub3c4\ud55c \uc5d8\ud53c\ub2e4 \ubc18\ub3c4\uccb4\ub294 2012\ub144 \ud30c\uc0b0\ud588\uc73c\uba70, \uc7ac\ud32c\ub514\uc2a4\ud50c\ub808\uc774\ub294 2023\ub144 3\uc6d4 \ud30c\uc0b0\uc744 \uc2e0\uccad\ud588\ub2e4. \uc815\ubd80\uc758 \uc9c0\uc6d0\uc774 \uc2dc\uc7a5\uc758 \uacbd\uc7c1\ub825\uc744 \ub2f4\ubcf4\ud558\uc9c0 \ubabb\ud55c\ub2e4\ub294 \uc810\uc740 \uacbd\uacc4\ud574\uc57c \ud560 \uc911\uc694\ud55c \uc0ac\uc2e4\uc774\ub2e4.<\/p>\n

\uad6d\ubbfc\uc131\uc7a5\ud380\ub4dc\uac00 \uc8fc\ubaa9\ud558\ub294 \uc0b0\uc5c5\uc774 INCJ\uac00 \uc2e4\ud328\ud588\ub358 \uc0b0\uc5c5\uacfc \uc720\uc0ac\ud558\ub2e4\ub294 \uc810\uc740 \uc2dc\uc7a5\uc758 \uc6b0\ub824\ub97c \ub354\uc6b1 \ubd80\uac01\uc2dc\ud0a4\uace0 \uc788\ub2e4. \uc774\ub7f0 \uc0c1\ud669\uc5d0\uc11c \uae08\uc735\uad8c\uc758 \uad00\uacc4\uc790\ub4e4\uc740 \uad6d\ubbfc\uc131\uc7a5\ud380\ub4dc\uc5d0 \ub300\ud55c \uc2dc\uc7a5\uc758 \ub0c9\ub2f4\ud55c \ubc18\uc751\uc744 \ube44\uc774\uc131\uc801\uc778 \uac83\uc774 \uc544\ub2c8\ub77c \uacfc\uac70\uc758 \uc2e4\ud328\uc640 \uad6c\uc870\uc801 \ud604\uc2e4, \ud574\uc678\uc758 \uad50\ud6c8\uc5d0 \uae30\ubc18\ud55c \ud569\ub9ac\uc801 \uc758\uc2ec\uc73c\ub85c \uc774\ud574\ud574\uc57c \ud55c\ub2e4\uace0 \uac15\uc870\ud55c\ub2e4. \uacb0\uad6d, \uad6c\uc870\uc801 \ubb38\uc81c \ud574\uacb0\uc744 \uc704\ud55c \ud604\uc2e4\uc801 \uc870\uce58\uac00 \ud544\uc694\ud558\ub2e4\ub294 \ubaa9\uc18c\ub9ac\uac00 \ub192\uc544\uc9c0\uace0 \uc788\ub2e4.<\/p>\n

[\uad00\ub828\uae30\uc0ac] https:\/\/n.news.naver.com\/mnews\/article\/293\/0000075169?sid=101<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

\uc815\ubd80\uac00 \uc800\uc131\uc7a5 \uadf9\ubcf5\uc744 \uc704\ud574 150\uc870 \uc6d0 \uaddc\ubaa8\uc758 \uad6d\ubbfc\uc131\uc7a5\ud380\ub4dc \ucd9c\ubc94\uc744 \uc54c\ub838\uc9c0\ub9cc, \uae08\uc735\uc2dc\uc7a5\uc5d0\uc11c\uc758 \ubc18\uc751\uc740 \uc608\uc0c1\uacfc \ub2ec\ub9ac \ucc28\uac00\uc6b4 \ubaa8\uc2b5\uc774\ub2e4. \uc774\uc5b5\uc6d0 \uae08\uc735\uc704\uc6d0\uc7a5\uc740 \ud380\ub4dc\uc758 \ucd9c\ubc94\uc744 \uc55e\ub450\uace0 ‘\uc0c8\ub85c\uc6b4 \uae38’\uc744 \uac15\uc870\ud588\uc73c\ub098, \uc2dc\uc7a5\uc740 \uacfc\uac70\uc758 \uc2e4\ud328 \uc0ac\ub840\uc640 \uc911\ubcf5 \ud22c\uc790 \uac00\ub2a5\uc131 \ub4f1\uc73c\ub85c \uc778\ud574 \uc6b0\ub824\uc758 \ubaa9\uc18c\ub9ac\ub97c \ub192\uc774\uace0 \uc788\ub2e4. \uc774\ubc88 \uad6d\ubbfc\uc131\uc7a5\ud380\ub4dc\ub294 \uc5ed\ub300 \ucd5c\ub300 \uaddc\ubaa8\ub85c, \uc815\ubd80 \uc8fc\ub3c4\uc758 \uad00\uce58\uae08\uc735 \ud380\ub4dc\uc5d0 \ub300\ud55c \uc6b0\ub824\uac00 \uc2ec\ud654\ub418\uace0 \uc788\ub2e4. \uc774\ub294 5\ub144 \uc804 \ubb38\uc7ac\uc778 \uc815\ubd80 […]<\/p>\n","protected":false},"author":31,"featured_media":68,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"\uad6d\ubbfc\uc131\uc7a5\ud380\ub4dc","_yoast_wpseo_metadesc":"150\uc870 \uc6d0 \uaddc\ubaa8\uc758 \uad6d\ubbfc\uc131\uc7a5\ud380\ub4dc \ucd9c\ubc94\uc774 \uc608\uace0\ub41c \uac00\uc6b4\ub370, \uc2dc\uc7a5\uc758 \ubc18\uc751\uc740 \uc6b0\ub824\uc2a4\ub7ec\uc6b4 \ub0c9\ub2f4\ud568\uc73c\ub85c \uac00\ub4dd \ucc28 \uc788\ub2e4. \uacfc\uac70\uc758 \uc815\ubd80 \uc8fc\ub3c4 \ud380\ub4dc \uc2e4\ud328 \uc0ac\ub840\uc640 \uc911\ubcf5 \ud22c\uc790 \uac00\ub2a5\uc131 \ub4f1\uc73c\ub85c \uc778\ud574 \uae08\uc735\uad8c\uc5d0\uc11c\ub294 \uad6c\uc870\uc801 \ubb38\uc81c \ud574\uacb0\uc774 \ud544\uc694\ud558\ub2e4\ub294 \ubaa9\uc18c\ub9ac\uac00 \ub192\uc544\uc9c0\uace0 \uc788\ub2e4. \uc774 \ud380\ub4dc\uac00 \uc9c4\uc815\ud55c \uc131\uacfc\ub97c \uac70\ub450\uae30 \uc704\ud574\uc11c\ub294 \uae30\uc874\uc758 \uc815\ucc45 \uc811\uadfc \ubc29\uc2dd\uc744 \uc7ac\uac80\ud1a0\ud574\uc57c \ud560 \uc2dc\uc810\uc774\ub2e4.","footnotes":""},"categories":[4],"tags":[5676,6581,6580,4934,6582],"class_list":["post-7855","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-4","tag-gp-","tag-6581","tag-6580","tag-4934","tag-6582"],"yoast_head":"\n\uad6d\ubbfc\uc131\uc7a5\ud380\ub4dc \ucd9c\ubc94 \uc55e\ub454 \uae08\uc735\uc2dc\uc7a5 \ucc28\uac00\uc6b4 \uc2dc\uc120\uc758 \uc774\uc720\ub294 - \ub450\ucc3d\ud2b9\ud5c8\ubc95\ub960\uc0ac\ubb34\uc18c<\/title>\n<meta name=\"description\" content=\"150\uc870 \uc6d0 \uaddc\ubaa8\uc758 \uad6d\ubbfc\uc131\uc7a5\ud380\ub4dc \ucd9c\ubc94\uc774 \uc608\uace0\ub41c \uac00\uc6b4\ub370, \uc2dc\uc7a5\uc758 \ubc18\uc751\uc740 \uc6b0\ub824\uc2a4\ub7ec\uc6b4 \ub0c9\ub2f4\ud568\uc73c\ub85c \uac00\ub4dd \ucc28 \uc788\ub2e4. \uacfc\uac70\uc758 \uc815\ubd80 \uc8fc\ub3c4 \ud380\ub4dc \uc2e4\ud328 \uc0ac\ub840\uc640 \uc911\ubcf5 \ud22c\uc790 \uac00\ub2a5\uc131 \ub4f1\uc73c\ub85c \uc778\ud574 \uae08\uc735\uad8c\uc5d0\uc11c\ub294 \uad6c\uc870\uc801 \ubb38\uc81c \ud574\uacb0\uc774 \ud544\uc694\ud558\ub2e4\ub294 \ubaa9\uc18c\ub9ac\uac00 \ub192\uc544\uc9c0\uace0 \uc788\ub2e4. \uc774 \ud380\ub4dc\uac00 \uc9c4\uc815\ud55c \uc131\uacfc\ub97c \uac70\ub450\uae30 \uc704\ud574\uc11c\ub294 \uae30\uc874\uc758 \uc815\ucc45 \uc811\uadfc \ubc29\uc2dd\uc744 \uc7ac\uac80\ud1a0\ud574\uc57c \ud560 \uc2dc\uc810\uc774\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\/\uad6d\ubbfc\uc131\uc7a5\ud380\ub4dc-\ucd9c\ubc94-\uc55e\ub454-\uae08\uc735\uc2dc\uc7a5-\ucc28\uac00\uc6b4-\uc2dc\uc120\uc758-\uc774\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" 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