{"id":2501,"date":"2024-01-18T16:47:21","date_gmt":"2024-01-18T07:47:21","guid":{"rendered":"https:\/\/pparkmjblog.co.kr\/?p=2501"},"modified":"2024-01-18T21:11:13","modified_gmt":"2024-01-18T12:11:13","slug":"%ed%8e%98%ed%8d%bc%ec%a0%80%ec%b6%95%ec%9d%80%ed%96%89-%ed%8e%98%ed%8d%bc%ec%8a%a4%eb%b9%84%ec%83%81%ea%b8%88%eb%8c%80%ec%b6%9c-%ed%8a%b9%ec%a7%95-%eb%b0%8f-%ec%8b%a0%ec%b2%ad%eb%b0%a9%eb%b2%95","status":"publish","type":"post","link":"https:\/\/pparkmjblog.co.kr\/%ed%8e%98%ed%8d%bc%ec%a0%80%ec%b6%95%ec%9d%80%ed%96%89-%ed%8e%98%ed%8d%bc%ec%8a%a4%eb%b9%84%ec%83%81%ea%b8%88%eb%8c%80%ec%b6%9c-%ed%8a%b9%ec%a7%95-%eb%b0%8f-%ec%8b%a0%ec%b2%ad%eb%b0%a9%eb%b2%95\/","title":{"rendered":"\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\uc2a4\ube44\uc0c1\uae08\ub300\ucd9c \ud2b9\uc9d5 \ubc0f \uc2e0\uccad\ubc29\ubc95 \uc870\uac74 \uae08\ub9ac \uae30\uac04 \ud55c\ub3c4 \uc7a5\ub2e8\uc810 \ubd80\uacb0\uc2dc \ub300\uccb4\uc0c1\ud488 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srcset=\"https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/\uc81c\ubaa9\uc744-\uc785\ub825\ud574\uc8fc\uc138\uc694_-001-4.png?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/\uc81c\ubaa9\uc744-\uc785\ub825\ud574\uc8fc\uc138\uc694_-001-4.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/\uc81c\ubaa9\uc744-\uc785\ub825\ud574\uc8fc\uc138\uc694_-001-4.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/\uc81c\ubaa9\uc744-\uc785\ub825\ud574\uc8fc\uc138\uc694_-001-4.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/\uc81c\ubaa9\uc744-\uc785\ub825\ud574\uc8fc\uc138\uc694_-001-4.png?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure><\/div>\n\n\n<div id=\"ez-toc-container\" 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title=\"1.\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\uc2a4\ube44\uc0c1\uae08\ub300\ucd9c \ud55c\ub208\uc5d0 \ubcf4\uae30\">1.\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\uc2a4\ube44\uc0c1\uae08\ub300\ucd9c \ud55c\ub208\uc5d0 \ubcf4\uae30<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/pparkmjblog.co.kr\/%ed%8e%98%ed%8d%bc%ec%a0%80%ec%b6%95%ec%9d%80%ed%96%89-%ed%8e%98%ed%8d%bc%ec%8a%a4%eb%b9%84%ec%83%81%ea%b8%88%eb%8c%80%ec%b6%9c-%ed%8a%b9%ec%a7%95-%eb%b0%8f-%ec%8b%a0%ec%b2%ad%eb%b0%a9%eb%b2%95\/#2%ED%8E%98%ED%8D%BC%EC%A0%80%EC%B6%95%EC%9D%80%ED%96%89_%ED%8E%98%ED%8D%BC%EC%8A%A4%EB%B9%84%EC%83%81%EA%B8%88%EB%8C%80%EC%B6%9C_%EA%B0%80%EC%9E%85%EC%A1%B0%EA%B1%B4\" title=\"2.\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\uc2a4\ube44\uc0c1\uae08\ub300\ucd9c \uac00\uc785\uc870\uac74\">2.\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\uc2a4\ube44\uc0c1\uae08\ub300\ucd9c \uac00\uc785\uc870\uac74<\/a><\/li><li 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href=\"https:\/\/pparkmjblog.co.kr\/%ed%8e%98%ed%8d%bc%ec%a0%80%ec%b6%95%ec%9d%80%ed%96%89-%ed%8e%98%ed%8d%bc%ec%8a%a4%eb%b9%84%ec%83%81%ea%b8%88%eb%8c%80%ec%b6%9c-%ed%8a%b9%ec%a7%95-%eb%b0%8f-%ec%8b%a0%ec%b2%ad%eb%b0%a9%eb%b2%95\/#9%ED%8E%98%ED%8D%BC%EC%A0%80%EC%B6%95%EC%9D%80%ED%96%89_%ED%8E%98%ED%8D%BC%EC%8A%A4%EB%B9%84%EC%83%81%EA%B8%88%EB%8C%80%EC%B6%9C_%EC%8B%A0%EC%B2%AD%EB%B0%A9%EB%B2%95\" title=\"9.\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\uc2a4\ube44\uc0c1\uae08\ub300\ucd9c \uc2e0\uccad\ubc29\ubc95\">9.\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\uc2a4\ube44\uc0c1\uae08\ub300\ucd9c \uc2e0\uccad\ubc29\ubc95<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/pparkmjblog.co.kr\/%ed%8e%98%ed%8d%bc%ec%a0%80%ec%b6%95%ec%9d%80%ed%96%89-%ed%8e%98%ed%8d%bc%ec%8a%a4%eb%b9%84%ec%83%81%ea%b8%88%eb%8c%80%ec%b6%9c-%ed%8a%b9%ec%a7%95-%eb%b0%8f-%ec%8b%a0%ec%b2%ad%eb%b0%a9%eb%b2%95\/#10%ED%8E%98%ED%8D%BC%EC%A0%80%EC%B6%95%EC%9D%80%ED%96%89_%ED%8E%98%ED%8D%BC%EC%8A%A4%EB%B9%84%EC%83%81%EA%B8%88%EB%8C%80%EC%B6%9C_%ED%9B%84%EA%B8%B0\" title=\"10.\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\uc2a4\ube44\uc0c1\uae08\ub300\ucd9c \ud6c4\uae30\">10.\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\uc2a4\ube44\uc0c1\uae08\ub300\ucd9c \ud6c4\uae30<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/pparkmjblog.co.kr\/%ed%8e%98%ed%8d%bc%ec%a0%80%ec%b6%95%ec%9d%80%ed%96%89-%ed%8e%98%ed%8d%bc%ec%8a%a4%eb%b9%84%ec%83%81%ea%b8%88%eb%8c%80%ec%b6%9c-%ed%8a%b9%ec%a7%95-%eb%b0%8f-%ec%8b%a0%ec%b2%ad%eb%b0%a9%eb%b2%95\/#11%ED%8E%98%ED%8D%BC%EC%A0%80%EC%B6%95%EC%9D%80%ED%96%89_%ED%8E%98%ED%8D%BC%EC%8A%A4%EB%B9%84%EC%83%81%EA%B8%88%EB%8C%80%EC%B6%9C_%EB%B6%80%EA%B2%B0%EC%8B%9C_%EB%8C%80%EC%95%88%EC%83%81%ED%92%88\" title=\"11.\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\uc2a4\ube44\uc0c1\uae08\ub300\ucd9c \ubd80\uacb0\uc2dc \ub300\uc548\uc0c1\ud488\">11.\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\uc2a4\ube44\uc0c1\uae08\ub300\ucd9c \ubd80\uacb0\uc2dc \ub300\uc548\uc0c1\ud488<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/pparkmjblog.co.kr\/%ed%8e%98%ed%8d%bc%ec%a0%80%ec%b6%95%ec%9d%80%ed%96%89-%ed%8e%98%ed%8d%bc%ec%8a%a4%eb%b9%84%ec%83%81%ea%b8%88%eb%8c%80%ec%b6%9c-%ed%8a%b9%ec%a7%95-%eb%b0%8f-%ec%8b%a0%ec%b2%ad%eb%b0%a9%eb%b2%95\/#111KIWI_%EB%B9%84%EC%83%81%EA%B8%88%EB%8C%80%EC%B6%9C\" title=\"11.1.KIWI \ube44\uc0c1\uae08\ub300\ucd9c\">11.1.KIWI \ube44\uc0c1\uae08\ub300\ucd9c<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/pparkmjblog.co.kr\/%ed%8e%98%ed%8d%bc%ec%a0%80%ec%b6%95%ec%9d%80%ed%96%89-%ed%8e%98%ed%8d%bc%ec%8a%a4%eb%b9%84%ec%83%81%ea%b8%88%eb%8c%80%ec%b6%9c-%ed%8a%b9%ec%a7%95-%eb%b0%8f-%ec%8b%a0%ec%b2%ad%eb%b0%a9%eb%b2%95\/#112%EC%82%AC%EC%9D%B4%EB%8B%A4_%EB%B9%84%EC%83%81%EA%B8%88%EB%8C%80%EC%B6%9C\" title=\"11.2.\uc0ac\uc774\ub2e4 \ube44\uc0c1\uae08\ub300\ucd9c\">11.2.\uc0ac\uc774\ub2e4 \ube44\uc0c1\uae08\ub300\ucd9c<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/pparkmjblog.co.kr\/%ed%8e%98%ed%8d%bc%ec%a0%80%ec%b6%95%ec%9d%80%ed%96%89-%ed%8e%98%ed%8d%bc%ec%8a%a4%eb%b9%84%ec%83%81%ea%b8%88%eb%8c%80%ec%b6%9c-%ed%8a%b9%ec%a7%95-%eb%b0%8f-%ec%8b%a0%ec%b2%ad%eb%b0%a9%eb%b2%95\/#113%ED%95%98%EB%82%98%EC%9B%90%ED%81%90_%EB%B9%84%EC%83%81%EA%B8%88%EB%8C%80%EC%B6%9C\" title=\"11.3.\ud558\ub098\uc6d0\ud050 \ube44\uc0c1\uae08\ub300\ucd9c\">11.3.\ud558\ub098\uc6d0\ud050 \ube44\uc0c1\uae08\ub300\ucd9c<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/pparkmjblog.co.kr\/%ed%8e%98%ed%8d%bc%ec%a0%80%ec%b6%95%ec%9d%80%ed%96%89-%ed%8e%98%ed%8d%bc%ec%8a%a4%eb%b9%84%ec%83%81%ea%b8%88%eb%8c%80%ec%b6%9c-%ed%8a%b9%ec%a7%95-%eb%b0%8f-%ec%8b%a0%ec%b2%ad%eb%b0%a9%eb%b2%95\/#114%EC%B9%B4%EC%B9%B4%EC%98%A4%ED%8E%98%EC%9D%B4_%EB%B9%84%EC%83%81%EA%B8%88%EB%8C%80%EC%B6%9C\" title=\"11.4.\uce74\uce74\uc624\ud398\uc774 \ube44\uc0c1\uae08\ub300\ucd9c\">11.4.\uce74\uce74\uc624\ud398\uc774 \ube44\uc0c1\uae08\ub300\ucd9c<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/pparkmjblog.co.kr\/%ed%8e%98%ed%8d%bc%ec%a0%80%ec%b6%95%ec%9d%80%ed%96%89-%ed%8e%98%ed%8d%bc%ec%8a%a4%eb%b9%84%ec%83%81%ea%b8%88%eb%8c%80%ec%b6%9c-%ed%8a%b9%ec%a7%95-%eb%b0%8f-%ec%8b%a0%ec%b2%ad%eb%b0%a9%eb%b2%95\/#115%ED%95%80%ED%81%AC_%EB%B9%84%EC%83%81%EA%B8%88%EB%8C%80%EC%B6%9C\" title=\"11.5.\ud540\ud06c \ube44\uc0c1\uae08\ub300\ucd9c\">11.5.\ud540\ud06c \ube44\uc0c1\uae08\ub300\ucd9c<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1%ED%8E%98%ED%8D%BC%EC%A0%80%EC%B6%95%EC%9D%80%ED%96%89_%ED%8E%98%ED%8D%BC%EC%8A%A4%EB%B9%84%EC%83%81%EA%B8%88%EB%8C%80%EC%B6%9C_%ED%95%9C%EB%88%88%EC%97%90_%EB%B3%B4%EA%B8%B0\"><\/span><strong>1.\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\uc2a4\ube44\uc0c1\uae08\ub300\ucd9c \ud55c\ub208\uc5d0 \ubcf4\uae30<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>\uad6c\ubd84<\/th><th>\ub0b4\uc6a9<\/th><\/tr><\/thead><tbody><tr><td>\uac00\uc785\uc870\uac74(\uc2e0\uccad\ub300\uc0c1)<\/td><td>\ucd94\uc815\uc18c\ub4dd \uc99d\ube59\uc774 \uac00\ub2a5\ud55c \uace0\uac1d<\/td><\/tr><tr><td>\uc81c\ucd9c\uc11c\ub958<\/td><td>\uc2e0\ubd84\uc99d, \uad6d\ubbfc\uac74\uac15\ubcf4\ud5d8\uacf5\ub2e8 \uc790\uaca9\ub4dd\uc2e4\ud655\uc778\uc11c&amp;\ub0a9\ubd80\ud655\uc778\uc11c \uc790\ub3d9\uc81c\ucd9c<\/td><\/tr><tr><td>\ub300\ucd9c\ud55c\ub3c4<\/td><td>\ucd5c\uc18c 1\ubc31\ub9cc\uc6d0 ~ \ucd5c\ub300 5\ubc31\ub9cc\uc6d0\uae4c\uc9c0<\/td><\/tr><tr><td>\ub300\ucd9c\uae30\uac04<\/td><td>3\ub144<\/td><\/tr><tr><td>\ub300\ucd9c\uae08\ub9ac<\/td><td>\ucd5c\uc800 \uc5f0 6.9% ~ \ucd5c\uace0 \uc5f0 19.9%&nbsp;<\/td><\/tr><tr><td>\uc0c1\ud658\ubc29\ubc95<\/td><td>\uac70\uce58\uc2dd\uc6d0\ub9ac\uae08\uade0\ub4f1\ubd84\ud560\uc0c1\ud658<\/td><\/tr><tr><td>\uace0\uac1d\ubd80\ub2f4\ube44\uc6a9<\/td><td>\uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc(3\ub144 \uc774\ub0b4 \ucd5c\ub300 \uc5f0 1.9%)\uc788\uc74c<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2%ED%8E%98%ED%8D%BC%EC%A0%80%EC%B6%95%EC%9D%80%ED%96%89_%ED%8E%98%ED%8D%BC%EC%8A%A4%EB%B9%84%EC%83%81%EA%B8%88%EB%8C%80%EC%B6%9C_%EA%B0%80%EC%9E%85%EC%A1%B0%EA%B1%B4\"><\/span><strong>2.\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\uc2a4\ube44\uc0c1\uae08\ub300\ucd9c \uac00\uc785\uc870\uac74<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\uac00\uc7a5 \uc911\uc694\ud55c \uac83\uc740 \ubc14\ub85c &#8216;\ucd94\uc815\uc18c\ub4dd \uc99d\ube59\uc774 \uac00\ub2a5\ud55c \uace0\uac1d&#8217;\uc5d0 \ud55c\ud574 \uac00\uc785\uc774 \uac00\ub2a5\ud558\ub2e4\ub294 \uc810\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ucd94\uc815\uc18c\ub4dd\uc774\ub780 \uacf5\uc2dd\uc801\uc778 \uc18c\ub4dd\uc99d\uba85 \uc11c\ub958\ub97c \ud1b5\ud574 \uc2e4\uc81c\uc18c\ub4dd\uc744 \uc99d\uba85\ud558\ub294 \uac83\uc774 \uc544\ub2cc \ub300\uc548 \uc790\ub8cc\ub4e4\uc744 \ud1b5\ud574 \ucd94\uc815\ud55c \uc18c\ub4dd\uc73c\ub85c \ud574\uc11d\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc774\ub7ec\ud55c \ub300\uc548 \uc790\ub8cc\ub4e4\uc5d0\ub294 \ub098\uc774\uc2a4\ub098 \uc62c\ud06c\ub808\ub527\uacfc \uac19\uc740 \uc2e0\uc6a9\ud3c9\uac00\uc0ac\uc5d0\uc11c \ud655\uc778\uc774 \uac00\ub2a5\ud558\uc2ed\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub354\ubd88\uc5b4 \ub098\uc774\uc2a4 \uc2e0\uc6a9\ud3c9\uc810\uc774 \ucd5c\uc18c 350\uc810 \uc774\uc0c1\uc774\uc5ec\uc57c\ub9cc \ubcf8 \uc0c1\ud488\uc744 \uc2e0\uccad\ud558\uc2e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>350\uc810\uc740 \ub098\uc774\uc2a4 \uae30\uc900 \uc2e0\uc6a9\ub4f1\uae09\uc73c\ub85c \ub530\uc9c0\uba74 10\ub4f1\uae09 \uc218\uc900\uc73c\ub85c \uc5f0\uccb4\ubbf8\ub0a9\ub4f1\uc758 \uc0ac\uc720\uac00 \uc788\ub294 \ubd84\ub4e4\ub3c4 \uc774\uc6a9\uc774 \uac00\ub2a5\ud558\ub2e4\ub294 \ud2b9\uc9d5\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub610\ud55c \ub9cc 29\uc138 \uc774\ud558\uc778 \uacbd\uc6b0 \uc9c1\uc7a5 \uac74\uac15\ubcf4\ud5d8 \uac00\uc785\uc790\uc5d0 \ud55c\ud558\uc5ec \uc2e0\uccad\uc774 \uac00\ub2a5\ud558\uc2dc\ub2c8 \ucc38\uace0\ud558\uc2dc\uae38 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3%ED%8E%98%ED%8D%BC%EC%A0%80%EC%B6%95%EC%9D%80%ED%96%89_%ED%8E%98%ED%8D%BC%EC%8A%A4%EB%B9%84%EC%83%81%EA%B8%88%EB%8C%80%EC%B6%9C_%EC%A0%9C%EC%B6%9C%EC%84%9C%EB%A5%98\"><\/span><strong>3.\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\uc2a4\ube44\uc0c1\uae08\ub300\ucd9c \uc81c\ucd9c\uc11c\ub958<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\uc2a4\ube44\uc0c1\uae08\ub300\ucd9c\uc744 \uc774\uc6a9\ud558\uae30 \uc704\ud574\uc11c\ub294 \uc704 &#8216;\uac00\uc785\uc870\uac74&#8217;\uacfc \ub354\ubd88\uc5b4 \uc2e0\ubd84\uc99d \ubc0f \uad6d\ubbfc\uac74\uac15\ubcf4\ud5d8\uacf5\ub2e8 \uc790\uaca9\ub4dd\uc2e4 \ud655\uc778\uc11c\uc640 \ub0a9\ubd80\ud655\uc778\uc11c\ub97c \uc81c\ucd9c\ud574\uc8fc\uc154\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc11c\ub958\ub4e4\uc740 \ubaa8\ubc14\uc77c \ube44\ub300\uba74 \uc2e0\uccad\uc2dc \uc790\ub3d9\uc81c\ucd9c \ud574\uc57c\ud558\ubbc0\ub85c \ubbf8\ub9ac \uad6c\ube44\ud574\ub450\uc2dc\ub294 \uac83\uc744 \ucd94\ucc9c\ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4%ED%8E%98%ED%8D%BC%EC%A0%80%EC%B6%95%EC%9D%80%ED%96%89_%ED%8E%98%ED%8D%BC%EC%8A%A4%EB%B9%84%EC%83%81%EA%B8%88%EB%8C%80%EC%B6%9C_%EB%8C%80%EC%B6%9C%ED%95%9C%EB%8F%84_%EB%B0%8F_%EA%B8%B0%EA%B0%84\"><\/span><strong>4.\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\uc2a4\ube44\uc0c1\uae08\ub300\ucd9c \ub300\ucd9c\ud55c\ub3c4 \ubc0f \uae30\uac04<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\uc2a4\ube44\uc0c1\uae08\ub300\ucd9c \uc0c1\ud488\uc758 \ub300\ucd9c\ud55c\ub3c4\ub294 \ucd5c\uace0 100\ub9cc\uc6d0\uc5d0\uc11c \ucd5c\ub300 500\ub9cc\uc6d0\uc774\uba70 \ub300\ucd9c\uae30\uac04\uc740 3\ub144\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uae30\ubcf8\uc801\uc73c\ub85c \ud0c0 \ube44\uc0c1\uae08\ub300\ucd9c \uc0c1\ud488\uc758 \uacbd\uc6b0 \ud55c\ub3c4\uac00 \ucd5c\ub300 300\ub9cc\uc6d0 \uae30\uac04\uc774 1\ub144\uc778\ub370 \ud398\ud37c\uc2a4\ube44\uc0c1\uae08\ub300\ucd9c\uc758 \uacbd\uc6b0 \uc774\ubcf4\ub2e4 \ub109\ub109\ud55c \ud55c\ub3c4\uc640 \uae30\uac04\uc744 \uc9c0\ub154\ub2e4\ub294 \ud2b9\uc9d5\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5%ED%8E%98%ED%8D%BC%EC%A0%80%EC%B6%95%EC%9D%80%ED%96%89_%ED%8E%98%ED%8D%BC%EC%8A%A4%EB%B9%84%EC%83%81%EA%B8%88%EB%8C%80%EC%B6%9C_%EA%B8%88%EB%A6%AC\"><\/span><strong>5.\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\uc2a4\ube44\uc0c1\uae08\ub300\ucd9c \uae08\ub9ac <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\uae08\ub9ac\ub294 \ucd5c\uc800 \uc5f0 6.9% ~ \ucd5c\uace0 \uc5f0 19.9%&nbsp;\uc81c 2\uae08\uc735\uad8c \uc0c1\ud488\ub2f5\uac8c \ud0c0 \ube44\uc0c1\uae08\ub300\ucd9c \uc0c1\ud488\ubcf4\ub2e4 \ub192\uac8c \uce21\uc815\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub300\ucd9c\uae08\ub9ac\ub294 3\uac1c\uc6d4\uc744 \uc8fc\uae30\ub85c \ubcc0\ub3d9\ub418\uba70 \uc5f0\uccb4\uc774\uc790\uc758 \uacbd\uc6b0 \ub300\ucd9c\uc57d\uc815\uae08\ub9ac+\uc5f0 3%\ub85c \uc774\ub294 \ucd5c\ub300 \uc5f0 20%\uc774\ub0b4\ub85c \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6%ED%8E%98%ED%8D%BC%EC%A0%80%EC%B6%95%EC%9D%80%ED%96%89_%ED%8E%98%ED%8D%BC%EC%8A%A4%EB%B9%84%EC%83%81%EA%B8%88%EB%8C%80%EC%B6%9C_%EC%9D%B4%EC%9E%90_%EC%83%81%ED%99%98%EB%B0%A9%EB%B2%95\"><\/span><strong>6.\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\uc2a4\ube44\uc0c1\uae08\ub300\ucd9c \uc774\uc790 \uc0c1\ud658\ubc29\ubc95<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\uc0c1\ud658\ubc29\ubc95\uc758 \uacbd\uc6b0 &#8216;\uac70\uce58\uc2dd\uc6d0\ub9ac\uae08\uade0\ub4f1\ubd84\ud560\uc0c1\ud658&#8217;\uc744 \uc6d0\uce59\uc73c\ub85c \uc6b4\uc601\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc774\ub294 \uc77c\uc815\uae30\uac04 \ub3d9\uc548 \uc774\uc790\ub9cc \uac1a\ub2e4\uac00 \ud2b9\uc815 \uc2dc\uc810\ubd80\ud130 \ub300\ucd9c\uae30\uac04 \ub3d9\uc548 \uc774\uc790\uc640 \uc6d0\uae08\uc744 \ud569\uce5c \uae08\uc561\uc774 \ub9e4\uc6d4 \uac19\ub3c4\ub85d \uacc4\uc0b0\ud558\uc5ec \ub0a9\uc785\ud558\ub294 \ubc29\uc2dd\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc774\uc790 \ubd80\uacfc\uc2dc\uae30\ub294 \ub300\ucd9c\uc2e0\uccad\uc2dc \uc124\uc815\ud55c \ub9e4\uc6d4 \uc9c0\uc815\uacb0\uc81c\uc77c\uacfc \ub300\ucd9c\ub9cc\uae30\uc77c\ub85c \uc815\ud574\uc9d1\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"7%ED%8E%98%ED%8D%BC%EC%A0%80%EC%B6%95%EC%9D%80%ED%96%89_%ED%8E%98%ED%8D%BC%EC%8A%A4%EB%B9%84%EC%83%81%EA%B8%88%EB%8C%80%EC%B6%9C%EC%8B%9C_%EA%B3%A0%EA%B0%9D%EB%B6%80%EB%8B%B4%EB%B9%84%EC%9A%A9\"><\/span><strong>7.\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\uc2a4\ube44\uc0c1\uae08\ub300\ucd9c\uc2dc \uace0\uac1d\ubd80\ub2f4\ube44\uc6a9<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\ubd80\ub300\ube44\uc6a9 \ubc0f \ucde8\uae09\uc218\uc218\ub8cc \ub4f1 \uace0\uac1d\uc774 \ub530\ub85c \ubd80\ub2f4\ud574\uc57c\ud560 \ube44\uc6a9\uc740 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud558\uc9c0\ub9cc \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc\ub294 \ubd80\uacfc\ud558\ub294\ub370 \uc774\ub294 3\ub144 \uc774\ub0b4 \ucd5c\ub300 \uc5f01.9% \uc801\uc6a9\ud558\ub2c8 \uc774 \uc810 \ucc38\uace0\ud574\uc8fc\uc2dc\uae38 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n\n\n\n<p>(\uc911\ub3c4\uc0c1\ud658 \uc218\uc218\ub8cc\ub294 \uc794\uc5ec\uc77c\uc218\uc5d0 \ub530\ub77c \ucc28\ub4f1\uc801\uc6a9\/\uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc \ud3ec\ud568 \uc5f020%\uc774\ub0b4)<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"8%ED%8E%98%ED%8D%BC%EC%A0%80%EC%B6%95%EC%9D%80%ED%96%89_%ED%8E%98%ED%8D%BC%EC%8A%A4%EB%B9%84%EC%83%81%EA%B8%88%EB%8C%80%EC%B6%9C_%EC%9E%A5%EB%8B%A8%EC%A0%90\"><\/span><strong>8.\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\uc2a4\ube44\uc0c1\uae08\ub300\ucd9c \uc7a5\ub2e8\uc810<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul>\n<li class=\"has-large-font-size\"><strong>\uc7a5\uc810<\/strong><\/li>\n<\/ul>\n\n\n\n<p>-\ucd5c\ub300 500\ub9cc\uc6d0\uc758 \ub300\ucd9c\ud55c\ub3c4\ub85c \ube44\uc0c1\uae08\ub300\ucd9c \uc0c1\ud488\uc911 \ucd5c\uace0\ub85c \ub192\uc740 \ud55c\ub3c4<\/p>\n\n\n\n<p>-\uc2e0\uc6a9\ub4f1\uae09\uc774 10\ub4f1\uae09(\uc5f0\uccb4\ubbf8\ub0a9\ub4f1\uc758 \uc0ac\uc720)\uc774\ub77c\ub3c4 \uc2e0\uccad\uc774 \uac00\ub2a5<\/p>\n\n\n\n<p>-\ubaa8\ubc14\uc77c\uc744 \ud1b5\ud55c \uc27d\uace0 \uac04\ud3b8\ud55c \ube44\ub300\uba74 \uc2e0\uccad\uac00\ub2a5<\/p>\n\n\n\n<p>-\ub2f9\uc77c\ub300\ucd9c\uc774 \uac00\ub2a5<\/p>\n\n\n\n<p><\/p>\n\n\n\n<ul>\n<li class=\"has-large-font-size\"><strong>\ub2e8\uc810<\/strong><\/li>\n<\/ul>\n\n\n\n<p>-\ub192\uc740 \uae08\ub9ac(\uc5f0\uccb4\uae08\ub9ac \ub4f1)<\/p>\n\n\n\n<p>-\uc9e7\uc740 \ub300\ucd9c\uae30\uac04<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"9%ED%8E%98%ED%8D%BC%EC%A0%80%EC%B6%95%EC%9D%80%ED%96%89_%ED%8E%98%ED%8D%BC%EC%8A%A4%EB%B9%84%EC%83%81%EA%B8%88%EB%8C%80%EC%B6%9C_%EC%8B%A0%EC%B2%AD%EB%B0%A9%EB%B2%95\"><\/span><strong>9.\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\uc2a4\ube44\uc0c1\uae08\ub300\ucd9c \uc2e0\uccad\ubc29\ubc95<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\ud398\ud37c\uc2a4\ube44\uc0c1\uae08\ub300\ucd9c\uc740 \ud398\ud37c\uc800\ucd95\uc740\ud589 \uc804\uc6a9 \ubaa8\ubc14\uc77c \uc571\uc778 &#8216;\ub514\uc9c0\ud138 \ud398\ud37c&#8217;\uc5d0\uc11c\ub9cc \uc2e0\uccad\uc774 \uac00\ub2a5\ud558\uc2ed\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ubaa8\ubc14\uc77c\uc571 \ub2e4\uc6b4\ub85c\ub4dc \ubc0f \uc124\uce58 \uadf8\ub9ac\uace0 \uc790\uc138\ud55c \uc2e0\uccad\ubc29\ubc95 \ub0b4\uc6a9\uc740 \uc544\ub798 \ud45c\ub97c \ucc38\uace0\ud574 \uc8fc\uc2dc\uae38 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<ul>\n<li><strong>\ubaa8\ubc14\uc77c \uc571 \ub2e4\uc6b4\ub85c\ub4dc<\/strong><\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>\ud578\ub4dc\ud3f0 \uae30\uc885<\/th><th>\uc571 \uba85<\/th><th>\ub2e4\uc6b4\ub85c\ub4dc(\uc124\uce58)<\/th><\/tr><\/thead><tbody><tr><td>\uc548\ub4dc\ub85c\uc774\ub4dc<\/td><td>\ub514\uc9c0\ud138\ud398\ud37c<\/td><td><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=kr.pepperbank.digital\" data-type=\"link\" data-id=\"https:\/\/play.google.com\/store\/apps\/details?id=kr.pepperbank.digital\" rel=\"noopener\">&gt;&gt;\ub2e4\uc6b4\ub85c\ub4dc(\ubc14\ub85c\uac00\uae30)<\/a><\/td><\/tr><tr><td>\uc544\uc774\ud3f0<\/td><td>\ub514\uc9c0\ud138\ud398\ud37c<\/td><td><a href=\"https:\/\/apps.apple.com\/kr\/app\/%EB%94%94%EC%A7%80%ED%84%B8%ED%8E%98%ED%8D%BC-%ED%8E%98%ED%8D%BC%EC%A0%80%EC%B6%95%EC%9D%80%ED%96%89\/id1597250071\" data-type=\"link\" data-id=\"https:\/\/apps.apple.com\/kr\/app\/%EB%94%94%EC%A7%80%ED%84%B8%ED%8E%98%ED%8D%BC-%ED%8E%98%ED%8D%BC%EC%A0%80%EC%B6%95%EC%9D%80%ED%96%89\/id1597250071\" rel=\"noopener\">&gt;&gt;\ub2e4\uc6b4\ub85c\ub4dc(\ubc14\ub85c\uac00\uae30)<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<ul>\n<li><strong>\uc2e0\uccad\ubc29\ubc95 \uc0c1\uc138<\/strong><\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>\uc21c\uc11c<\/th><th>\ub0b4\uc6a9<\/th><\/tr><\/thead><tbody><tr><td>STEP 1<\/td><td>&#8216;\ub514\uc9c0\ud138\ud398\ud37c&#8217; \ub2e4\uc6b4\ub85c\ub4dc \ubc0f \uc2e4\ud589<\/td><\/tr><tr><td>STEP 2<\/td><td>\ud648\ud654\uba74\uc5d0\uc11c &#8216;\uc0c1\ud488&#8217; \ud074\ub9ad<\/td><\/tr><tr><td>STEP 3<\/td><td>&#8216;\ub300\ucd9c&#8217; \ud074\ub9ad \ud6c4 &#8216;\ud398\ud37c\uc2a4 \ube44\uc0c1\uae08\ub300\ucd9c&#8217; \ud074\ub9ad<\/td><\/tr><tr><td>STEP 4<\/td><td>&#8216;\uc2e0\uccad\ud558\uae30&#8217; \ud074\ub9ad \ud6c4 \uac1c\uc778\uc815\ubcf4 \uc791\uc131 \ubc0f \ub300\ucd9c\uc644\ub8cc<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">\uc704 \ub0b4\uc6a9\uc774 \ud5f7\uac08\ub9ac\uc2dc\ub294 \ubd84\ub4e4\uaed8\uc11c\ub294 \uc544\ub798 \uc774\ubbf8\uc9c0 \uc608\uc2dc\ub97c \ucc38\uace0\ud574 \uc9c4\ud589\ud574 \uc8fc\uc2dc\uae38 \ubc14\ub78d\ub2c8\ub2e4.<\/figcaption><\/figure>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><a href=\"https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/image-33-474x1024.png?ssl=1\"><img loading=\"lazy\" decoding=\"async\" width=\"474\" height=\"1024\" src=\"https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/image-33.png?resize=474%2C1024&#038;ssl=1\" alt=\"\" class=\"wp-image-2511\" srcset=\"https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/image-33.png?resize=474%2C1024&amp;ssl=1 474w, https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/image-33.png?resize=139%2C300&amp;ssl=1 139w, https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/image-33.png?w=666&amp;ssl=1 666w\" sizes=\"(max-width: 474px) 100vw, 474px\" data-recalc-dims=\"1\" \/><\/a><figcaption class=\"wp-element-caption\"><strong>&lt;STEP 1,2><\/strong><\/figcaption><\/figure><\/div>\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><a href=\"https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/image-34-474x1024.png?ssl=1\"><img loading=\"lazy\" decoding=\"async\" width=\"474\" height=\"1024\" src=\"https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/image-34.png?resize=474%2C1024&#038;ssl=1\" alt=\"\" class=\"wp-image-2512\" srcset=\"https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/image-34.png?resize=474%2C1024&amp;ssl=1 474w, https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/image-34.png?resize=139%2C300&amp;ssl=1 139w, https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/image-34.png?w=666&amp;ssl=1 666w\" sizes=\"(max-width: 474px) 100vw, 474px\" data-recalc-dims=\"1\" \/><\/a><figcaption class=\"wp-element-caption\"><strong>&lt;STEP 3><\/strong><\/figcaption><\/figure><\/div>\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><a href=\"https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/image-35-474x1024.png?ssl=1\"><img loading=\"lazy\" decoding=\"async\" width=\"474\" height=\"1024\" src=\"https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/image-35.png?resize=474%2C1024&#038;ssl=1\" alt=\"\" class=\"wp-image-2513\" srcset=\"https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/image-35.png?resize=474%2C1024&amp;ssl=1 474w, https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/image-35.png?resize=139%2C300&amp;ssl=1 139w, https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/image-35.png?w=666&amp;ssl=1 666w\" sizes=\"(max-width: 474px) 100vw, 474px\" data-recalc-dims=\"1\" \/><\/a><figcaption class=\"wp-element-caption\"><strong>&lt;STEP 4><\/strong><\/figcaption><\/figure><\/div>\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"10%ED%8E%98%ED%8D%BC%EC%A0%80%EC%B6%95%EC%9D%80%ED%96%89_%ED%8E%98%ED%8D%BC%EC%8A%A4%EB%B9%84%EC%83%81%EA%B8%88%EB%8C%80%EC%B6%9C_%ED%9B%84%EA%B8%B0\"><\/span><strong>10.\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\uc2a4\ube44\uc0c1\uae08\ub300\ucd9c \ud6c4\uae30<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\ubcf8 \uc0c1\ud488\uc758 \uacbd\uc6b0 \uc11c\uc6b8\ubcf4\uc99d\ubcf4\ud5d8 \ubcf4\ud5d8\uc99d\uad8c \ubc1c\uae09\uc774 \ud544\uc694\ud558\uc9c0 \uc54a\uc740 \uc0c1\ud488\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub584\ubb38\uc5d0 \ud544\uc694\ud558\uc2dc\ub2e4\uba74 \ud0c0 \uc740\ud589\uc758 \ub300\ucd9c\uc0c1\ud488\uacfc \uc911\ubcf5\uc73c\ub85c \uc774\uc6a9\uc774 \uac00\ub2a5\ud558\uc2ed\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub610\ud55c \uc800\uc2e0\uc6a9\uc790\ub3c4 \ub300\ucd9c\uc774 \uac00\ub2a5\ud558\ub2e4\ub294 \uc810\uc785\ub2c8\ub2e4. \ub098\uc774\uc2a4 \uae30\uc900 350\uc810 \uc774\uc0c1\uc774\ub77c\ub294 \uae30\uc900\uc740 \uc6ec\ub9cc\ud558\uba74 \ub204\uad6c\ub098 \ucda9\uc871\ud560 \uc218 \uc788\ub294 \uc870\uac74\uc774\uae30\uc5d0 \uc9c4\uc785\uc7a5\ubcbd\uc774 \uadf8\ub807\uac8c \ub192\uc9c0\ub294 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub300\ucd9c\uae30\uac04\uc774 3\ub144\uc73c\ub85c \uc9e7\uc740 \ud3b8\uc5d0 \uc18d\ud558\uba70 \uc0c1\ud658\ubc29\uc2dd\ub3c4 \uac70\uce58\uc2dd\uc6d0\ub9ac\uae08\uade0\ub4f1\ubd84\ud560\uc0c1\ud658 \ubc29\uc2dd\uc774\uae30 \ub54c\ubb38\uc5d0 \ub9e4\uc6d4 \ub0a9\ubd80\ud558\ub294 \ub300\ucd9c \uc774\uc790\ub098 \uc6d0\uae08\uc774 \ub192\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\ub610\ud55c 365\uc77c 24\uc2dc\uac04 \uc5b8\uc81c\ub4e0\uc9c0 \uc0c1\ud488\uc2e0\uccad\uc774 \uac00\ub2a5\ud558\uc2dc\ub2c8 \ucc38\uace0\ud558\uc2dc\uae38 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc774\uc678\uc5d0\ub3c4 \ucd94\uac00\uc801\uc778 \ubb38\uc758\uc0ac\ud56d\uc774 \uc788\uc73c\uc2dc\ub2e4\uba74 \ud398\ud37c\uc2a4\uc800\ucd95\uc740\ud589 \uace0\uac1d\uc13c\ud130(1599-0722)\uc5d0 \ubb38\uc758\ud558\uc2dc\uae38 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"11%ED%8E%98%ED%8D%BC%EC%A0%80%EC%B6%95%EC%9D%80%ED%96%89_%ED%8E%98%ED%8D%BC%EC%8A%A4%EB%B9%84%EC%83%81%EA%B8%88%EB%8C%80%EC%B6%9C_%EB%B6%80%EA%B2%B0%EC%8B%9C_%EB%8C%80%EC%95%88%EC%83%81%ED%92%88\"><\/span><strong>11.\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\uc2a4\ube44\uc0c1\uae08\ub300\ucd9c \ubd80\uacb0\uc2dc \ub300\uc548\uc0c1\ud488<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\uc2a4\ube44\uc0c1\uae08\ub300\ucd9c\uacfc \ud568\uaed8 \uc0ac\uc6a9\ud560 \uc218 \uc788\ub294 \ub300\ucd9c\uc0c1\ud488\uacfc \ubd80\uacb0\uc2dc \ub300\uc548\uc0c1\ud488\uc744 \uc544\ub798\uc5d0 \uc815\ub9ac\ud558\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"111KIWI_%EB%B9%84%EC%83%81%EA%B8%88%EB%8C%80%EC%B6%9C\"><\/span><strong>11.1.KIWI \ube44\uc0c1\uae08\ub300\ucd9c<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>\ud56d\ubaa9<\/th><th>\ub0b4\uc6a9<\/th><\/tr><\/thead><tbody><tr><td>\uac00\uc785\uc870\uac74<\/td><td><strong>-20\uc138\uc774\uc0c1 \uc131\uc778\uc774\uc2dc\uba70 \uc9c1\uc5c5 \ubc0f \uc18c\ub4dd\uc5d0 \uad00\uacc4\uc5c6\uc774 \ub2f9\uc0ac \uac1c\uc778\uc2e0\uc6a9\ud3c9\uac00 \uc2ec\uc0ac\uae30\uc900 \ud1b5\uacfc \uace0\uac1d(KCB \uac1c\uc778\uc2e0\uc6a9\ud3c9\uc810 475\uc810 \uc774\uc0c1)\uc5d0 \ud55c\ud558\uc5ec \uac00\uc785\uac00\ub2a5<\/strong><\/td><\/tr><tr><td>\ub300\ucd9c\ud55c\ub3c4 <\/td><td>&#8211;<strong>\ucd5c\uc18c 50\ub9cc\uc6d0\uc5d0\uc11c \ucd5c\ub300 300\ub9cc\uc6d0<\/strong><\/td><\/tr><tr><td>\ub300\ucd9c\uae30\uac04<\/td><td>&#8211;<strong>\ub300\ucd9c\uae30\uac04\uc740 \ucd5c\uc800 1\ub144\uc73c\ub85c \uae30\ud55c\uc5f0\uc7a5\uc5d0 \ub300\ud55c \uc740\ud589\uc2ec\uc0ac\uc5ec\ubd80\uc5d0 \ub530\ub77c \ucd5c\uc7a5 5\ub144\uae4c\uc9c0 \uc5f0\uc7a5\uc774 \uac00\ub2a5<\/strong><\/td><\/tr><tr><td>\uae08\ub9ac<\/td><td><strong><strong>\ucd5c\uc800 \uc5f0 8.9%\uc5d0\uc11c \ucd5c\uace0 \uc5f0 19.9%<\/strong><\/strong><\/td><\/tr><tr><td>\uc81c\ucd9c\uc11c\ub958<\/td><td><strong>-\uc2e0\ubd84\uc99d(\uc8fc\ubbfc\ub4f1\ub85d\uc99d \ub610\ub294 \uc6b4\uc804\uba74\ud5c8\uc99d)<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>KIWI\ube44\uc0c1\uae08\ub300\ucd9c\uc758 \uacbd\uc6b0 \uc62c\ud06c\ub808\ub527 \uae30\uc900 8\ub4f1\uae09 \uc774\uc0c1\uc774\ub77c\ub294 \uae30\uc900\uc5d0 \ud55c\ud574 \uc774\uc6a9\uc774 \uac00\ub2a5\ud558\uc2ed\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud398\ud37c\uc2a4 \ube44\uc0c1\uae08\ub300\ucd9c\uacfc \ub9c8\ucc2c\uac00\uc9c0\ub85c \uc800\uc2e0\uc6a9\uc790\ub3c4 \uc774\uc6a9\uc774 \uac00\ub2a5\ud55c \uc0c1\ud488\uc774\uba70 \uc81c 2\uae08\uc735\uad8c \ub300\ucd9c\uc0c1\ud488\uc778 \ub9cc\ud07c \uae08\ub9ac\ub294 \ub2e4\uc18c \ub192\uac8c \uc7a1\ud600\uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub300\ucd9c\uae30\uac04\uc758 \uacbd\uc6b0 5\ub144\uc73c\ub85c \ub109\ub109\ud55c \ud3b8\uc774\ub77c\uace0 \uc0dd\uac01\ud558\uba70 \ud398\ud37c\uc2a4\ube44\uc0c1\uae08\ubd80\uacb0\uc2dc \ub300\uc548\uc0c1\ud488\uc774\uae30\ub3c4 \ud558\uba70 \ub354\ubd88\uc5b4 \uc911\ubcf5\uc774\uc6a9\uc774 \uac00\ub2a5\ud55c \uc0c1\ud488\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p> <\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"112%EC%82%AC%EC%9D%B4%EB%8B%A4_%EB%B9%84%EC%83%81%EA%B8%88%EB%8C%80%EC%B6%9C\"><\/span><strong>11.2.\uc0ac\uc774\ub2e4 \ube44\uc0c1\uae08\ub300\ucd9c<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>\ud56d\ubaa9<\/th><th>\ub0b4\uc6a9<\/th><\/tr><\/thead><tbody><tr><td>\uac00\uc785\uc870\uac74<\/td><td>&#8211;<strong>\uc9c1\uc5c5 \ubc0f \uc18c\ub4dd\uc5d0 \uad00\uacc4\uc5c6\uc774 \ub9cc 20\uc138 \uc774\uc0c1 \ub0b4\uad6d\uc778\uc774\uba70 SBI\uc800\ucd95\uc740\ud589 \uc785\ucd9c\uae08\uacc4\uc88c\ub97c \uac1c\uc124\ud558\uace0 \ub098\uc774\uc2a4 \uc810\uc218 350\uc810\uc774\uc0c1 \uace0\uac1d<\/strong><\/td><\/tr><tr><td>\ub300\ucd9c\ud55c\ub3c4 <\/td><td>&#8211;<strong>\ucd5c\ub300 500\ub9cc\uc6d0<\/strong><\/td><\/tr><tr><td>\ub300\ucd9c\uae30\uac04<\/td><td><strong>-\ucd5c\uc18c 12\uac1c\uc6d4\ubd80\ud130 \ucd5c\ub300 36\uac1c\uc6d4\uae4c\uc9c0<\/strong><\/td><\/tr><tr><td>\uae08\ub9ac<\/td><td><strong>-\ucd5c\uc18c 6.9%\ubd80\ud130 \ucd5c\ub300 15.8%\uae4c\uc9c0<\/strong><\/td><\/tr><tr><td>\uc81c\ucd9c\uc11c\ub958<\/td><td><strong>\uc2e0\ubd84\uc99d<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\uc0ac\uc774\ub2e4 \ube44\uc0c1\uae08\ub300\ucd9c\uc758 \uacbd\uc6b0 \ub300\ucd9c\ud55c\ub3c4\uac00 \ucd5c\ub300 500\ub9cc\uc6d0\uc774\uba70 \ub300\ucd9c\uae30\uac04\ub3c4 \ucd5c\ub300 3\ub144\uae4c\uc9c0\uc778 \uc0c1\ud488\uc73c\ub85c \ud398\ud37c\uc2a4\ube44\uc0c1\uae08\ub300\ucd9c\uacfc \uc0c1\ub2f9\ud788 \uc720\uc0ac\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc2ec\uc9c0\uc5b4 \ud544\uc218\uac00\uc785\uc870\uac74\uc778 \ub098\uc774\uc2a4 \uc2e0\uc6a9\uc810\uc218\ub300 350\uc810\ub300\ub85c \uc800\uc2e0\uc6a9\uc790\ub3c4 \uac00\uc785\uc774 \uac00\ub2a5\ud558\ub2e4\ub294 \uc7a5\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud558\uc9c0\ub9cc \uc544\uc27d\uac8c\ub3c4 \ud604\uc7ac\ub85c\uc368\ub294 \uc0ac\uc774\ub2e4\ubc45\ud06c \ube44\uc0c1\uae08\ub300\ucd9c\uc774 \uc911\ub2e8\ub41c \uc0c1\ud0dc\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub54c\ubb38\uc5d0 \ud398\ud37c\uc2a4 \ube44\uc0c1\uae08\ub300\ucd9c \uc0c1\ud488\uc774 \ub300\uc548\uc0c1\ud488\uc774 \ub420 \uc218 \uc788\uc744\uac83\uc774\ub77c\uace0 \uc0dd\uac01\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"113%ED%95%98%EB%82%98%EC%9B%90%ED%81%90_%EB%B9%84%EC%83%81%EA%B8%88%EB%8C%80%EC%B6%9C\"><\/span><strong>11.3.\ud558\ub098\uc6d0\ud050 \ube44\uc0c1\uae08\ub300\ucd9c<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>\ud56d\ubaa9<\/th><th>\ub0b4\uc6a9<\/th><\/tr><\/thead><tbody><tr><td>\uac00\uc785\uc870\uac74<\/td><td>&#8211;<strong>\ub9cc 19\uc138 \uc774\uc0c1 \ub300\ud55c\ubbfc\uad6d \uad6d\ubbfc\uc774\uba70 \uc11c\uc6b8\ubcf4\uc99d\ubcf4\ud5d8 \ubcf4\ud5d8\uc99d\uad8c \ubc1c\uae09\uc774 \uac00\ub2a5\ud55c \uace0\uac1d<\/strong><\/td><\/tr><tr><td>\ub300\ucd9c\ud55c\ub3c4 <\/td><td>&#8211;<strong>\ucd5c\uc800 50\ub9cc\uc6d0\uc5d0\uc11c \ucd5c\ub300 300\ub9cc\uc6d0\uae4c\uc9c0<\/strong><\/td><\/tr><tr><td>\ub300\ucd9c\uae30\uac04<\/td><td><strong>-\ucd5c\uc18c 12\uac1c\uc6d4\ubd80\ud130 1\ub144 \ub2e8\uc704\ub85c \uc5f0\uc7a5\uac00\ub2a5(\ucd5c\ub300 10\ub144)<\/strong><\/td><\/tr><tr><td>\uae08\ub9ac<\/td><td><strong>-\ucd5c\uc800 \uc5f0 5.651% ~\ucd5c\uace0 \uc5f0 6.251% (\uc6b0\ub300\uae08\ub9ac 0.1% ~ 0.6%)<\/strong><\/td><\/tr><tr><td>\uc81c\ucd9c\uc11c\ub958<\/td><td><strong>\uc2e0\ubd84\uc99d,\uc11c\uc6b8\ubcf4\uc99d\ubcf4\ud5d8 \ubcf4\ud5d8\uc99d\uad8c<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\uc81c1\uae08\uc735\uad8c \ud558\ub098\uc740\ud589\uc758 \ube44\uc0c1\uae08\ub300\ucd9c \uc0c1\ud488\uc778 \ud558\ub098\uc6d0\ud050 \ube44\uc0c1\uae08\ub300\ucd9c \uac00\uc785\uc744 \uc704\ud574\uc11c\ub294 &#8216;\uc11c\uc6b8\ubcf4\uc99d\ubcf4\ud5d8 \ubcf4\ud5d8\uc99d\uad8c&#8217;\ubc1c\uae09\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ucd5c\ub300 300\ub9cc\uc6d0\uc758 \ub300\ucd9c\ud55c\ub3c4\uc640 \ucd5c\ub300 10\ub144\uc774\ub77c\ub294 \ub109\ub109\ud55c \ub300\ucd9c\uae30\uac04 \ub355\ubd84\uc5d0 \ub9ce\uc740 \ubd84\ub4e4\uc774 \uc774\uc6a9\ud558\uace0\ub294 \ud558\uc2ed\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uae08\ub9ac \ub610\ud55c \ub0ae\uac8c \ud615\uc131\ub418\uc5b4 \uc6b0\ub300\uae08\ub9ac\ub97c \ucd5c\ub300 0.6% \uc801\uc6a9\ubc1b\uc73c\uc2e4 \uc218 \uc788\uc73c\ub2c8 \ud398\ud37c\uc2a4\ube44\uc0c1\uae08\ub300\ucd9c \ubd80\uacb0 \uc2dc \uc2e0\uccad\ud574\ubcf4\uc2dc\uae38 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p> <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"114%EC%B9%B4%EC%B9%B4%EC%98%A4%ED%8E%98%EC%9D%B4_%EB%B9%84%EC%83%81%EA%B8%88%EB%8C%80%EC%B6%9C\"><\/span><strong>11.4.\uce74\uce74\uc624\ud398\uc774 \ube44\uc0c1\uae08\ub300\ucd9c<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>\ud56d\ubaa9<\/th><th>\ub0b4\uc6a9<\/th><\/tr><\/thead><tbody><tr><td>\uac00\uc785\uc870\uac74<\/td><td>&#8211;<strong>\uc9c1\uc5c5 \ubc0f \uc18c\ub4dd\uc5d0 \uad00\uacc4\uc5c6\uc774 \ub9cc 19\uc138 \uc774\uc0c1 \ub0b4\uad6d\uc778 \uae08\uc735\uac70\ub798\uc0c1 \ubb38\uc81c\uac00 \uc5c6\uace0 \uc11c\uc6b8\ubcf4\uc99d\ubcf4\ud5d8(\uc8fc) \ubcf4\ud5d8\uc99d\uad8c \ubc1c\uae09\uc774 \uac00\ub2a5\ud55c \uace0\uac1d<\/strong><\/td><\/tr><tr><td>\ub300\ucd9c\ud55c\ub3c4 <\/td><td>&#8211;<strong>\ucd5c\uc18c 50\ub9cc\uc6d0\uc5d0\uc11c \ucd5c\ub300 300\ub9cc\uc6d0<\/strong><\/td><\/tr><tr><td>\ub300\ucd9c\uae30\uac04<\/td><td>&#8211;<strong>\ub300\ucd9c\uae30\uac04\uc758 \uacbd\uc6b0 \ucd5c\ub300\u20191\ub144\u2019\uc73c\ub85c \ub300\ucd9c \ub9cc\uae30\uc804 \uc5f0\uc7a5 \uc2e0\uccad\uc774 \uac00\ub2a5\ud558\uc2dc\uba70 \uc2ec\uc0ac\uacb0\uacfc\uc5d0 \ub530\ub77c 1\ub144 \ub2e8\uc704\ub85c \uc5f0\uc7a5\uc774 \uac00\ub2a5<\/strong><\/td><\/tr><tr><td>\uae08\ub9ac<\/td><td><strong>-\ucd5c\uc18c 5.13%\ubd80\ud130 \ucd5c\ub300 15%\uae4c\uc9c0 (\uc6b0\ub300\uae08\ub9ac 0.1%\uc801\uc6a9\uac00\ub2a5)<\/strong><\/td><\/tr><tr><td>\uc81c\ucd9c\uc11c\ub958<\/td><td><strong>\uc11c\uc6b8\ubcf4\uc99d\ubcf4\ud5d8(\uc8fc) \ubcf4\ud5d8\uc99d\uad8c, \uc2e0\ubd84\uc99d<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\ud558\ub098\uc6d0\ud050 \ube44\uc0c1\uae08\ub300\ucd9c\uacfc \ub9c8\ucc2c\uac00\uc9c0\ub85c \uc81c1\uae08\uc735\uad8c \ub300\ucd9c\uc778 \uce74\uce74\uc624\ud398\uc774 \ube44\uc0c1\uae08 \ub300\ucd9c \uac00\uc785\uc758 \uacbd\uc6b0 \uc11c\uc6b8\ubcf4\uc99d\ubcf4\ud5d8 \ubcf4\ud5d8\uc99d\uad8c \ubc1c\uae09\uc774 \ud544\uc218\uc801\uc73c\ub85c \uc694\uad6c\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub300\ucd9c\ud55c\ub3c4 \ucd5c\ub300 300\ub9cc\uc6d0 \ub300\ucd9c\uae30\uac04\ub3c4 \uae30\ubcf8 1\ub144\uc73c\ub85c \ud398\ud37c\uc2a4 \ube44\uc0c1\uae08\ub300\ucd9c\uacfc\ub294 \ucc28\uc774\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uae08\ub9ac\uc758 \uacbd\uc6b0 \ucd5c\uc18c 5.13%\ub85c \ube44\uc0c1\uae08\ub300\ucd9c \uc0c1\ud488 \uc911 \ub0ae\uc740 \uc774\uc728\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub610\ud55c \uc6b0\ub300\uae08\ub9ac\ub97c \ucd5c\ub300 0.1%\uac00\ub7c9 \uc801\uc6a9\ubc1b\uc73c\uc2e4 \uc218 \uc788\uc73c\ub2c8 \ucc38\uace0\ud558\uc2dc\uae38 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"115%ED%95%80%ED%81%AC_%EB%B9%84%EC%83%81%EA%B8%88%EB%8C%80%EC%B6%9C\"><\/span><strong>11.5.\ud540\ud06c \ube44\uc0c1\uae08\ub300\ucd9c<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>\ud56d\ubaa9<\/th><th>\ub0b4\uc6a9<\/th><\/tr><\/thead><tbody><tr><td>\uac00\uc785\uc870\uac74<\/td><td>&#8211;<strong>\ub300\ud55c\ubbfc\uad6d \uad6d\ubbfc\uc73c\ub85c \uad6d\ub0b4\uc5d0 \uac70\uc8fc\ud558\uace0\uc788\ub294 \ub9cc 20\uc138 \uc774\uc0c1 \uc131\uc778\uc774\uc2dc\uba70 \uc790\ub3d9\uc2ec\uc0ac\ub97c \ud1b5\ud55c DGB\ub300\uad6c\uc740\ud589 \ub300\ucd9c\uc2ec\uc0ac\ub97c \ud1b5\uacfc\ud55c \uace0\uac1d<\/strong><\/td><\/tr><tr><td>\ub300\ucd9c\ud55c\ub3c4 <\/td><td>&#8211;<strong>\ucd5c\uc18c 50\ub9cc\uc6d0\uc5d0\uc11c \ucd5c\ub300 300\ub9cc\uc6d0<\/strong><\/td><\/tr><tr><td>\ub300\ucd9c\uae30\uac04<\/td><td>&#8211;<strong>\ub300\ucd9c\uae30\uac04\uc758 \uacbd\uc6b0 \ucd5c\ub300\u20191\ub144\u2019\uc73c\ub85c \ub300\ucd9c \ub9cc\uae30\uc804 \uc5f0\uc7a5 \uc2e0\uccad\uc774 \uac00\ub2a5\ud558\uc2dc\uba70 \uc2ec\uc0ac\uacb0\uacfc\uc5d0 \ub530\ub77c 1\ub144 \ub2e8\uc704\ub85c \ucd5c\ub300 10\ub144\uae4c\uc9c0 \uc5f0\uc7a5\uc774 \uac00\ub2a5<\/strong><\/td><\/tr><tr><td>\uae08\ub9ac<\/td><td>&#8211;<strong><strong>\ucd5c\uc800 \uc5f0 7.51%\ubd80\ud130 \ucd5c\uace0 \uc5f0 12.63%<\/strong><\/strong><\/td><\/tr><tr><td>\uc81c\ucd9c\uc11c\ub958<\/td><td><strong>\uac1c\uc778\ubcc4 &#8216;\uacf5\uc778\uc778\uc99d\uc11c&#8217; , \uc2e0\ubd84\uc99d <\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\ud540\ud06c \ube44\uc0c1\uae08\ub300\ucd9c\uc758 \uacbd\uc6b0 \uac00\uc785\uc2dc \uc704 \uac00\uc785\uc870\uac74\uacfc \ud568\uaed8 \ub300\uad6c\uc740\ud589 \uc785\ucd9c\uae08 \uacc4\uc88c \uac1c\uc124\uc774 \ucd94\uac00\uc801\uc73c\ub85c \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uae08\ub9ac\uba74\uc5d0\uc11c\ub294 \ud398\ud37c\uc2a4 \ube44\uc0c1\uae08\ub300\ucd9c\ubcf4\ub2e4 \ud540\ud06c \ube44\uc0c1\uae08\ub300\ucd9c\uc774 \ub354 \ub192\uac8c \ucc45\uc815\ub418\uace0 \uc787\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud540\ud06c \ube44\uc0c1\uae08\ub300\ucd9c\uc758 \uacbd\uc6b0 \uc11c\uc6b8\ubcf4\uc99d\ubcf4\ud5d8 \uc99d\uad8c\ubc1c\uae09\uc740 \ud544\uc694\ud558\uc9c0 \uc54a\uc73c\uba70 \ub300\uc2e0 \uac1c\ubcc4 \uacf5\uc778\uc778\uc99d\uc11c\uac00 \ud544\uc694\ud558\ub2c8 \ucc38\uace0\ud558\uc2dc\uae38 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud544\uc694\ud558\uc2dc\ub2e4\uba74 \ud540\ud06c\ube44\uc0c1\uae08\ub300\ucd9c\uacfc \ud398\ud37c\uc2a4\ube44\uc0c1\uae08\ub300\ucd9c\uc744 \uc911\ubcf5\uc73c\ub85c \uc774\uc6a9\ud558\uc2e4 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc624\ub298\uc740 \uc18c\uc561\uae09\uc804 \ub300\ucd9c\uc0c1\ud488\uc778 \ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\uc2a4\ube44\uc0c1\uae08\ub300\ucd9c\uc5d0 \ub300\ud574\uc11c \uc54c\uc544\ubcf4\ub3c4\ub85d \ud558\uaca0\uc2b5\ub2c8\ub2e4. \uc81c2\uae08\uc735\uad8c \ub300\ucd9c\uc0c1\ud488\uc778\ub9cc\ud07c \uc81c1\uae08\uc735\uad8c \ub300\ucd9c\uc0c1\ud488\ubcf4\ub2e4 \uae08\ub9ac\uc640 \ub300\ucd9c\ud55c\ub3c4\uac00 \ub192\uace0 \uac00\uc785\uc808\ucc28\uac00 \uc190\uc27d\ub2e4\ub294 \ud2b9\uc9d5\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ubcf8 \uc0c1\ud488\uc740 \ucd5c\ub300 500\ub9cc\uc6d0\uae4c\uc9c0 \ub300\ucd9c\uc774 \uc774\uc6a9\uc774 \uac00\ub2a5\ud558\uc2dc\uba70 \uace0\uac1d\uc758 \ucd94\uc815\uc18c\ub4dd\uc744 \uae30\uc900\uc73c\ub85c \uc0c1\ud658\ub2a5\ub825\uc744 \ud310\ub2e8\ud558\uc5ec \ub300\ucd9c\uc5ec\ubd80\ub97c \uacb0\uc815\ud569\ub2c8\ub2e4. \ud398\ud37c\uc2a4\ube44\uc0c1\uae08\ub300\ucd9c\uc5d0 \ub300\ud55c \uac00\uc785\uc870\uac74, \uc81c\ucd9c\uc11c\ub958, \ub300\ucd9c\ud55c\ub3c4 \ubc0f \uae30\uac04, \uae08\ub9ac, \uc0c1\ud658\ubc29\ubc95, \uc2e0\uccad\ubc29\ubc95, \uc7a5\ub2e8\uc810, \ubd80\uacb0 \uc2dc \ub300\uccb4\uc0c1\ud488\ub4f1\uc744 \uc0c1\uc138\ud558\uac8c \uc815\ub9ac\ud558\uc600\uc73c\ub2c8 \uc18c\uc561\uae09\uc804 \ub300\ucd9c\uc0c1\ud488\uc744 \uc54c\uc544\ubcf4\uc2dc\uace0 \uacc4\uc2e0\ub2e4\uba74 \ubcf8 \ud3ec\uc2a4\ud305 &#8230; <a title=\"\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\uc2a4\ube44\uc0c1\uae08\ub300\ucd9c \ud2b9\uc9d5 \ubc0f \uc2e0\uccad\ubc29\ubc95 \uc870\uac74 \uae08\ub9ac \uae30\uac04 \ud55c\ub3c4 \uc7a5\ub2e8\uc810 \ubd80\uacb0\uc2dc \ub300\uccb4\uc0c1\ud488 \ucd1d\uc815\ub9ac\" class=\"read-more\" href=\"https:\/\/pparkmjblog.co.kr\/%ed%8e%98%ed%8d%bc%ec%a0%80%ec%b6%95%ec%9d%80%ed%96%89-%ed%8e%98%ed%8d%bc%ec%8a%a4%eb%b9%84%ec%83%81%ea%b8%88%eb%8c%80%ec%b6%9c-%ed%8a%b9%ec%a7%95-%eb%b0%8f-%ec%8b%a0%ec%b2%ad%eb%b0%a9%eb%b2%95\/\" aria-label=\"More on \ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\uc2a4\ube44\uc0c1\uae08\ub300\ucd9c \ud2b9\uc9d5 \ubc0f \uc2e0\uccad\ubc29\ubc95 \uc870\uac74 \uae08\ub9ac \uae30\uac04 \ud55c\ub3c4 \uc7a5\ub2e8\uc810 \ubd80\uacb0\uc2dc \ub300\uccb4\uc0c1\ud488 \ucd1d\uc815\ub9ac\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false}}},"categories":[4],"tags":[],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack-related-posts":[{"id":2550,"url":"https:\/\/pparkmjblog.co.kr\/%ec%8b%a0%ed%95%9c%ec%a0%80%ec%b6%95%ec%9d%80%ed%96%89-%ec%b0%b8%ec%8b%a0%ed%95%9c500-%ea%b0%80%ec%9e%85%ec%a1%b0%ea%b1%b4-%ea%b8%88%eb%a6%ac-%ed%95%9c%eb%8f%84-%ea%b8%b0%ea%b0%84-%eb%8c%80%ec%b2%b4\/","url_meta":{"origin":2501,"position":0},"title":"\uc2e0\ud55c\uc800\ucd95\uc740\ud589 \ucc38\uc2e0\ud55c500 \uac00\uc785\uc870\uac74 \uae08\ub9ac \ud55c\ub3c4 \uae30\uac04 \ub300\uccb4\uc0c1\ud488 \ucd1d\uc815\ub9ac","author":"PARK","date":"2\uc6d4 8, 2024","format":false,"excerpt":"\uc624\ub298\uc740 \uc2e0\ud55c\uc800\ucd95\uc740\ud589 \ucc38\uc2e0\ud55c500\uc5d0 \ub300\ud574\uc11c \uc54c\uc544\ubcf4\ub3c4\ub85d \ud558\uaca0\uc2b5\ub2c8\ub2e4. \uc2e0\uc6a9\uc815\ubcf4\uc0ac\ub97c \ud1b5\ud55c \ucd94\uc815\uc18c\ub4dd\uc774 \uc0b0\ucd9c\ub41c \uace0\uac1d\ub2d8\ub4e4\uc744 \ub300\uc0c1\uc73c\ub85c \ud558\uae30 \ub54c\ubb38\uc5d0 \uc77c\uc815 \uc18c\ub4dd\uc774 \uc5c6\uc73c\uc2e0 \ubd84\ub4e4\uaed8\uc11c\ub294 \uc774\uc6a9\uc774 \uc81c\ud55c\ub418\uc2e4 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uc81c2\uae08\uc735\uad8c \uc0c1\ud488\uc778\ub9cc\ud07c \ubcf4\ub2e4 \ucca0\uc800\ud558\uac8c \uc0c1\ud488\ub0b4\uc6a9\uc744 \uc0b4\ud3b4\ubcf4\uc2e4 \ud544\uc694\uac00 \uc788\uc73c\uba70 \ubcf8 \ud3ec\uc2a4\ud305\uc744 \ud1b5\ud574 \ucc38\uc2e0\ud55c500 \uac00\uc785\uc870\uac74 \ubc0f \ud2b9\uc9d5, \uae08\ub9ac,\ud55c\ub3c4,\uae30\uac04,\ubd80\uacb0 \uc2dc \ub300\uccb4\uc0c1\ud488\ub4f1\uc744 \uc0c1\uc138\ud558\uac8c \uc54c\uc544\ubcf4\uc2dc\uae38 \ubc14\ub78d\ub2c8\ub2e4. \uc2e0\ud55c \uc989\uc2dc\ub300\ucd9c\ufeff 1.\uc2e0\ud55c\uc800\ucd95\uc740\ud589 \ucc38\uc2e0\ud55c500 \ud55c\ub208\uc5d0 \ubcf4\uae30 \uad6c\ubd84\ub0b4\uc6a9\ub300\ucd9c\ub300\uc0c130\uc138\u2026","rel":"","context":"&quot;\ub300\ucd9c&quot;\uc5d0\uc11c","block_context":{"text":"\ub300\ucd9c","link":"https:\/\/pparkmjblog.co.kr\/category\/loan-%eb%8c%80%ec%b6%9c\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/02\/\uc81c\ubaa9\uc744-\uc785\ub825\ud574\uc8fc\uc138\uc694_-001-17.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/02\/\uc81c\ubaa9\uc744-\uc785\ub825\ud574\uc8fc\uc138\uc694_-001-17.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/02\/\uc81c\ubaa9\uc744-\uc785\ub825\ud574\uc8fc\uc138\uc694_-001-17.png?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/02\/\uc81c\ubaa9\uc744-\uc785\ub825\ud574\uc8fc\uc138\uc694_-001-17.png?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":2552,"url":"https:\/\/pparkmjblog.co.kr\/sbi%ec%a0%80%ec%b6%95%ec%9d%80%ed%96%89-%ec%8a%a4%ed%94%bc%eb%93%9c%eb%a1%a0-%ec%a1%b0%ea%b1%b4-%ed%95%9c%eb%8f%84-%ea%b8%88%eb%a6%ac-%ed%9b%84%ea%b8%b0-%ec%8b%a0%ec%b2%ad%eb%b0%a9%eb%b2%95-%eb%b6%80\/","url_meta":{"origin":2501,"position":1},"title":"sbi\uc800\ucd95\uc740\ud589 \uc2a4\ud53c\ub4dc\ub860 \uc870\uac74 \ud55c\ub3c4 \uae08\ub9ac \ud6c4\uae30 \uc2e0\uccad\ubc29\ubc95 \ubd80\uacb0 \uc2dc \ub300\uccb4\uc0c1\ud488 \uc0c1\uc138\uc815\ub9ac","author":"PARK","date":"1\uc6d4 29, 2024","format":false,"excerpt":"\uc0ac\uc774\ub2e4\ubc45\ud06c \ube44\uc0c1\uae08\ub300\ucd9c\uc5d0 \uc774\uc5b4 \uc624\ub298\uc740 sbi\uc800\ucd95\uc740\ud589 \uc2a4\ud53c\ub4dc\ub860\uc5d0 \ub300\ud574\uc11c \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \ubcf8 \uc0c1\ud488\uba85\uc5d0\uc11c \uc54c \uc218 \uc788\ub4ef\uc774 \uc2a4\ud53c\ub4dc\ub860\uc758 \uacbd\uc6b0 \ub300\ucd9c\uc2e0\uccad \ud6c4 \ub300\uae08 \uc785\uae08\uae4c\uc9c0 \ube60\ub974\uac8c \uc9c4\ud589\ub429\ub2c8\ub2e4. \uae09\ud55c\uc77c\ub85c \uc778\ud574 \uc18c\uc561\uae09\uc804\uc774 \ud544\uc694\ud558\uc2e0\ubd84\ub4e4\uaed8\uc11c \uc0ac\uc6a9\ud560 \uc218 \uc788\ub294 \ucd5c\uc801\uc758 \ub300\ucd9c\uc0c1\ud488\uc774\ub77c\uace0 \uc0dd\uac01\ud569\ub2c8\ub2e4. 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