{"id":990,"date":"2023-05-27T19:20:44","date_gmt":"2023-05-27T10:20:44","guid":{"rendered":"https:\/\/icover.kr\/?p=990"},"modified":"2023-05-27T19:20:44","modified_gmt":"2023-05-27T10:20:44","slug":"%ec%8b%9c%ec%a4%91%ec%9d%80%ed%96%89-%ec%95%84%ed%8c%8c%ed%8a%b8-%eb%8c%80%ec%b6%9c%ea%b8%88%eb%a6%ac-%ec%9d%b8%ed%95%98-%ed%96%89%ec%a7%84-%ec%97%ac%ec%a0%84%ed%9e%88-%eb%86%92%ec%9d%80-%eb%b3%b4","status":"publish","type":"post","link":"https:\/\/icover.kr\/?p=990","title":{"rendered":"\uc2dc\uc911\uc740\ud589 \uc544\ud30c\ud2b8 \ub300\ucd9c\uae08\ub9ac \uc778\ud558 \ud589\uc9c4 \uc5ec\uc804\ud788 \ub192\uc740 \ubcf4\ud5d8\uc0ac\u2026\uc62c\ubc14\ub978 \uc120\ud0dd \uac00\uc774\ub4dc!"},"content":{"rendered":"<p>\uc548\ub155\ud558\uc138\uc694 \uc544\ud30c\ud2b8 \ub2f4\ubcf4 \ub300\ucd9c \uc815\ubcf4\ub97c \ub204\uad6c\ubcf4\ub2e4\ub3c4 \ube68\ub9ac \uc815\ud655\ud558\uac8c \uc548\ub0b4\ud588\ub2e4&#8221;\ub300\ucd9c \ud050\ub808\uc774\ud130&#8221;\uc785\ub2c8\ub2e4.\uc2dc\uc911 \uc740\ud589\uc758 \uc544\ud30c\ud2b8 \ub2f4\ubcf4 \ub300\ucd9c \uace0\uc815 \uae08\ub9ac\uc758 \uae30\uc900\uc774 \ub418\ub294 \uae08\uc735\ucc44 5\ub144\ubb3c\uc774 \ud558\ub77d\ud558\uba74\uc11c \uc804\uccb4\uc801\uc73c\ub85c \uc778\ud558\ub418\uc5c8\uc2b5\ub2c8\ub2e4.\uc9c0\ub09c \ub2ec 10\uc77c \uc9c1\uc804 \uac70\ub798\uc77c 3\uc77c \uac04 \uc720\ud1b5 \uc218\uc775\ub960 \ud3c9\uade0 4.4313%\ub97c \uae30\ub85d\ud55c \ub0b8 \uae08\uc735\ucc44 5\ub144\ubb3c\uc740 \ud3ec\uc2a4\ud305\uc744 \uc791\uc131\ud558\ub294 4\uc6d4 10\uc77c \uae30\uc900\uc73c\ub85c 3.8728%\ub85c 0.5585%\ud3ec\uc778\ud2b8 \ub0b4\ub838\uc2b5\ub2c8\ub2e4.\ubbf8\uad6d \uc2e4\ub9ac\ucf58 \ubc38\ub9ac \uc740\ud589(SVB)\ud3d0\uc1c4 \uc774\ud6c4 \ubbf8\uad6d \uc5f0\ubc29 \uc900\ube44 \uc81c\ub3c4(Fed\u00b7\uc5f0\uc900)\uac00 \uae08\uc735 \ubd88\uc548\uc744 \uc6b0\ub824\ud558\uace0 \uae08\ub9ac\ub97c \uc870\uae30 \uc778\ud558\ud560 \uac83\uc774\ub77c\ub294 \uc2dc\uc7a5\uc758 \uae30\ub300\uac10\uc774 \ub192\uc544\uc9c0\uace0 \ubbf8\uad6d\uc758 \uad6d\ucc44\uc640 \ud55c\uad6d \uad6d\uace0\ucc44 \ub4f1 \ucc44\uad8c\uc774 \uc77c\uc81c\ud788 \ud558\ub77d\ud55c \uac83\uc73c\ub85c \ubcf4\uc785\ub2c8\ub2e4.\uc774\uc640 \ud568\uaed8 \uc9c0\ub09c \ub2ec \uc8fc\uc694 \uc2dc\uc911 \uc740\ud589\uc740 \uc815\ubd80\uc758 \uc555\ubc15\uc5d0 &#8220;\uacf5\uc0dd \uae08\uc735&#8221;\uba85\ubaa9\uc73c\ub85c \uac00\uc0b0 \uae08\ub9ac\ub97c \uc778\ud558 \uc544\ud30c\ud2b8 \ub2f4\ubcf4 \ub300\ucd9c \uae08\ub9ac \uc218\uc900\uc744 \ub2e4\uc2dc \ub0ae\ucdc4\uc2b5\ub2c8\ub2e4.\ub274\uc2a4 \uae30\uc0ac\uc5d0 \ub530\ub974\uba74 KB\uad6d\ubbfc \uc740\ud589 0.3%\ud3ec\uc778\ud2b8, \uc2e0\ud55c \uc740\ud589 0.4%\ud3ec\uc778\ud2b8, \uc6b0\ub9ac \uc740\ud589 \ucd5c\ub300 0.7%\ud3ec\uc778\ud2b8 \uc778\ud558\ub97c \ud588\ub2e4\uace0 \ud558\uc9c0\ub9cc \uc6b0\ub9ac \ucc44\ubb34\uc790\uac00 \ub290\ub07c\ub294 \uccb4\uac10\uc740 \ub290\ub07c\uc9c0 \ubabb\ud558\ub294 \uac83\uc774 \ud604\uc2e4\uc785\ub2c8\ub2e4.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium\" src=\"https:\/\/cdn.rcast.co.kr\/news\/photo\/202304\/20997_40943_5756.png\" width=\"600\" height=\"507\" \/><\/p>\n<p>\uae30\uc0ac\uc5d0 \ub098\uc624\uc9c0 \uc54a\uc740 NH\ub18d\ud611\uc740\ud589\uc774 \uc624\ud788\ub824 \ub0ae\uc740 \uc218\uc900\uc73c\ub85c \ub098\uc624\uace0 \uc788\uace0 DGB\ub300\uad6c\uc740\ud589, BNK\ubd80\uc0b0\uc740\ud589 \uac19\uc740 \uc9c0\ubc29\uc740\ud589\uc5d0\uae4c\uc9c0 &#8216;\uc0c1\uc0dd\uae08\uc735&#8217; \uc5f4\ud48d\uc774 \ud655\uc0b0\ub418\uba74\uc11c KB\uad6d\ubbfc\u00b7\uc2e0\ud55c\u00b7\uc6b0\ub9ac\uc740\ud589\ubcf4\ub2e4 \ub0ae\uc740 \uc774\uc728\ub85c \ud655\uc778\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.&#8217;\uc0c1\uc0dd\uae08\uc735&#8217;\uc5d0 \uc801\uadf9 \ucc38\uc5ec\ud558\ub294 \uc2dc\uc911\uc740\ud589\uc5d0 \ube44\ud574 \ubcf4\ud5d8\uc0ac \uc544\ud30c\ud2b8 \ub2f4\ubcf4\ub300\ucd9c \uae08\ub9ac\ub294 \uc5ec\uc804\ud788 \ub192\uc740 \uac83\uc73c\ub85c \ud655\uc778\ub418\uc9c0\ub9cc, \uac00\uc7a5 \ub0ae\uc740 \uc218\uc900\uc774 5\ub144 \uc8fc\uae30\ud615 \uace0\uc815 4.89%\uc5ec\uc11c 0.7%\ud3ec\uc778\ud2b8 \uc774\uc0c1 \ucc28\uc774\uac00 \ub098\ub294 \uac81\ub2c8\ub2e4.\uadf8\ub798\uc11c \uc624\ub298\uc740 \uc544\ud30c\ud2b8 \ub2f4\ubcf4\ub300\ucd9c\uc774 \ud544\uc694\ud574\uc11c \uae08\ub9ac \ub54c\ubb38\uc5d0 \uace0\ubbfc\ud558\uc2dc\ub294 \ubd84\ub4e4\uc758 \ud604\uba85\ud55c \uc120\ud0dd\uc744 \uc704\ud55c \uac00\uc774\ub4dc \ud3ec\uc2a4\ud305\uc744 \uc900\ube44\ud574\ubd24\uc2b5\ub2c8\ub2e4.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium\" src=\"https:\/\/phinf.pstatic.net\/image.nmv\/blog_2023_03_28_99\/f6347941-cd38-11ed-9612-505dacfbaa5c_02.jpg?type=w2\" width=\"743\" height=\"743\" \/><\/p>\n<p>\ub9e8\uc158\ub2f4\ubcf4\ub300\ucd9c\uccb4\ud06c\ud3ec\uc778\ud2b8<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium\" src=\"https:\/\/wimg.mk.co.kr\/meet\/neds\/2021\/06\/image_readtop_2021_624282_16248696794697419.jpg\" width=\"600\" height=\"466\" \/><\/p>\n<p>\u2460 \uae08\ub9ac\ub97c \uba3c\uc800 \uc124\uba85\ud588\ub4ef\uc774 \ubcf4\ud5d8 \ud68c\uc0ac\ub294 \ucd5c\uc800 \uc218\uc900\uc774 4.89%\uc774\uae30 \ub54c\ubb38\uc5d0 \uc774\uc790 \ubd80\ub2f4\uc744 \uc904\uc778\ub2e4\uba74 \uc2dc\uc911 \uc740\ud589\uc740 \ubb3c\ub860 \uc9c0\ubc29 \uc740\ud589\uae4c\uc9c0 \uaf3c\uaf3c\ud788 \ube44\uad50\ud574\uc57c \ud569\ub2c8\ub2e4.\ud604\uc7ac 5\ub300 \uc2dc\uc911 \uc740\ud589 \uac00\uc6b4\ub370 \uac00\uc7a5 \ub0ae\uc740 \uc870\uac74\uc740 &#8220;5\ub144 \ud63c\ud569\ud615 \uace0\uc815 4.18%&#8221;\uc774\uba70, \uc2e0\uccad \uae08\uc561 \ubc0f \ubd80\uc218 \uac70\ub798 \uc870\uac74\uc744 \ucda9\uc871\uc2dc\ud0a4\ub290\ub0d0 \uc5ec\ubd80\uc5d0 \uc758\ud574\uc11c \ub2e4\ub985\ub2c8\ub2e4.\ub9c8\uc9c4\ub960 \ub54c\ubb38\uc5d0 \ubaa8\ub4e0 \uc9c0\uc810\uc5d0\uc11c \uc801\uc6a9\ub418\ub294 \uac83\uc740 \uc544\ub2c8\uc9c0\ub9cc, \uacf5\ubb34\uc6d0\uc758 \uacbd\uc6b0 0.1%\ud3ec\uc778\ud2b8 \ucd94\uac00 \uc6b0\ub300\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.DGB\ub300\uad6c \uc740\ud589\uacfc BNK\ubd80\uc0b0 \uc740\ud589\ub3c4 \uac19\uc740 \uc774\uc728\ub85c \ubc1b\uc744 \uc218 \uc788\uc9c0\ub9cc \uc9c0\ubc29 \uc740\ud589\uc774\ub77c\uc11c \ud574\ub2f9 \uc9c0\uc5ed\uc5d0\uc11c\ub9cc \ud310\ub9e4\ub41c\ub2e4\ub294 \uc624\ud574\ub294 \uae08\ubb3c. \uc218\ub3c4\uad8c\uc5d0\ub3c4 \ub9ce\uc740 \uc601\uc5c5\uc810\uc774 \uc788\uace0 \uadf8 \uc9c0\uc5ed\uc5d0\uc11c \ud310\ub9e4\ub418\ub294 \uae08\ub9ac\uc640 \uac19\uc774 \ud310\ub9e4\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.\ubaa8\ub4e0 \uc740\ud589\uc740 3~6\uc885\ub958\uc758 \ubd80\uc218 \uac70\ub798 \uc870\uac74\uc744 \ucda9\uc871\ud574\uc57c \uad11\uace0\uc5d0 \ub098\uc624\ub294 \ucd5c\uc800\uce58\ub85c \ubc1b\uc744 \uc218 \uc788\uc9c0\ub9cc \uac1c\uc778\uc758 \uc0c1\ud669\uc5d0 \uc758\ud574\uc11c \ucda9\uc871\ud560 \uc218 \uc788\ub294 \ub0b4\uc6a9\uc774 \ub2e4\ub974\uae30 \ub54c\ubb38\uc5d0 \uae08\uc735 \ud68c\uc0ac\ubcc4 \ub0b4\uc6a9\uc744 \uaf3c\uaf3c\ud558\uac8c \uc810\uac80\ud558\uace0 \ubcf4\ub294 \uac8c \ud3ec\uc778\ud2b8\uc785\ub2c8\ub2e4.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium\" src=\"https:\/\/img.hankyung.com\/photo\/202206\/AA.30402389.1-1200x.jpg\" width=\"1200\" height=\"1060\" \/><\/p>\n<p>\u2461 DSR\uc758 \ub204\uad6c\ub098 \uc870\uae08\uc774\ub77c\ub3c4 \ub0ae\uc740 \uc544\ud30c\ud2b8 \ub2f4\ubcf4 \ub300\ucd9c \uae08\ub9ac\ub97c \ubc1b\uc73c\ub824 \ub178\ub825\ud558\uc9c0\ub9cc DSR\uaddc\uc815 \ub0b4\uc5d0 \ub4e4\uc5b4\uc624\uc9c0 \uc54a\uc73c\uba74 \uc544\ubb34\ub7f0 \uc758\ubbf8\ub3c4 \uc5c6\uc5b4\uc9d1\ub2c8\ub2e4.&#8221;5\ub144 \ud63c\ud569\ud615 \uace0\uc815\uc73c\ub85c 4.19%&#8221;\uc870\uac74\uc5d0\uc11c \uc81c1\uae08\uc735\uad8c\uc5d0\uc11c \ubc1b\uc73c\ub824\uba74 DSR40%\ubc94\uc704 \ub0b4\uc5d0 \ub4e4\uc5b4\uc624\uc9c0 \uc54a\uc73c\uba74 \ubc1b\uc9c0 \ubabb\ud574\uc9c0\ub9cc DSR\uacc4\uc0b0 \uc2dc\uc5d0 \ub9cc\uae30\uac00 \uc9e7\uc740 \uc2e0\uc6a9 \ubd80\ucc44 \ub610\ub294 \uc8fc\ud0dd \uc774\uc678 \ubd80\ub3d9\uc0b0 \ub2f4\ubcf4 \ub300\ucd9c\uc774 \uc788\uc73c\uc2e0 \ubd84\ub4e4\uc740 \uc2dc\uc911 \uc740\ud589\uc5d0\uc11c \ubc1b\uae30 \uc5b4\ub835\uc2b5\ub2c8\ub2e4.\uc774\ub7f0 \uacbd\uc6b0 LTV\ube44\uc728\uc5d0 \uc5ec\uc720\uac00 \uc788\uc73c\uc2e0 \ubd84\ub4e4\uc740 \ud544\uc694\ud55c \uae08\uc561\ubcf4\ub2e4 \ucd94\uac00\ub85c \ubc1b\uc544 \uae30\uc874 \ubd80\ucc44\ub97c \uc0c1\ud658\ud558\ub294 \uc870\uac74\uc73c\ub85c DSR\uc5d0 \ub9de\ucd94\ub294 \ubc29\ubc95\uc774 \uc788\uace0, \ub2e4\uc74c\uacfc \uac19\uc740 \ubc29\ubc95\uc744 \uc774\uc6a9\ud560 \uc218 \uc5c6\ub294 \ubd84\ub4e4\uc740 DSR50%\ubc94\uc704\uae4c\uc9c0 \uc778\uc815\ud558\uace0 \uc904 \ubcf4\ud5d8 \ud68c\uc0ac \uc544\ud30c\ud2b8 \ub2f4\ubcf4 \ub300\ucd9c \uc870\uac74\uc744 \ud655\uc778\ud558\uace0 \uc9c4\ud589\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\ubcf4\ud5d8\uc0ac \uc911\uc5d0\uc11c\ub3c4 DSR\uacc4\uc0b0\uc5d0 \uc720\ub9ac\ud55c \uacf3\uc774 \ub530\ub85c \uc788\uc73c\ubbc0\ub85c \uc21c\uc11c\uc5d0 \uac00\uc774\ub4dc\uc5d0 \ub530\ub974\uace0 \ub0ae\uc740 \uae08\ub9ac\ub85c \ubc1b\uc744 \uc218 \uc788\ub294 \uc870\uac74\uc744 \ub530\uc9c0\uba74 \uaf2d \ub3c4\uc6c0\uc774 \ub420 \uac83\uc785\ub2c8\ub2e4! \u2462 \uc911\ub3c4 \uc0c1\ud658 \uc218\uc218\ub8cc 1\uc8fc\ud0dd\uc790\uac00 \uc0c8\ub85c \uc544\ud30c\ud2b8\ub97c \uad6c\uc785\ud558\uace0 \uc788\uc9c0\ub9cc \uae30\uc874 \uc8fc\ud0dd\uc774 \ucc98\ubd84\ub418\uc9c0 \uc54a\uace0 \ucc98\ubd84\ub420 \ub54c\uae4c\uc9c0 \ub2e8\uae30\uac04 \ud544\uc694\ud55c \uacbd\uc6b0 \uae30\uc874\uc758 \uc784\ucc28\uc778\uc774 \ud1f4\uac70 \ud1b5\uc9c0\ub97c \uc54c\uace0 \uc788\uc73c\uba70, \ub2e4\uc74c \uc138\uc785\uc790\ub294 \ud655\ubcf4\ud560 \uc218 \uc5c6\ub294 \uc0c1\ud669\uc5d0\uc11c \ub2e4\uc74c \uc138\uc785\uc790\ub97c \ucc3e\uc744 \ub54c\uae4c\uc9c0 \ub2e8\uae30\uac04 \ud544\uc694\ud55c \uacbd\uc6b0 \uc911\ub3c4 \uc0c1\ud658 \uc218\uc218\ub8cc \uba74\uc81c \uc635\uc158\uc744 \ucc3e\ub294 \ubd84\ub4e4 \uc911\uc5d0\uc11c \uac00\uc7a5 \ub9ce\uc774 \ucc3e\ub294 \uc0ac\ub840\uac00 \uc0c1\uae30 2\uac1c\uc758 \ub0b4\uc6a9\uc785\ub2c8\ub2e4.\ub2e8\uae30\uac04 \uc0ac\uc6a9\ud560 \ub54c \uae08\ub9ac\ubcf4\ub2e4 \uc911\uc694\ud55c \uac83\uc774 \uc911\ub3c4 \uc0c1\ud658 \uc218\uc218\ub8cc\ub77c\ub294 \ub9d0\uc744 \ub4e4\uc740 \uc801\uc774 \uc788\ub294 \ubd84\ub4e4\uc774 \uc788\ub2e4\uace0 \uc0dd\uac01\ud569\ub2c8\ub2e4.\uc2dc\uc911 \uc740\ud589\uc758 \uc911\ub3c4 \uc0c1\ud658 \uc218\uc218\ub8cc\uc728\uc740 \ucd5c\uc800 0.9%\uc5d0\uc11c \ucd5c\ub300 1.5%\uae4c\uc9c0 \uc740\ud589 \ubc0f \uc0c1\ud488\uc5d0 \uc758\ud574\uc11c \ucc28\ub4f1 \uc801\uc6a9\ub418\uc5b4 \uba74\uc81c \uc635\uc158\uc740 \ub9e4\ub144 10%\uac00 \ucd5c\ub300\uc785\ub2c8\ub2e4.\uadf8\ub7ec\ub098 \ubcf4\ud5d8 \ud68c\uc0ac\uc758 \uc911\ub3c4 \uc0c1\ud658 \uc218\uc218\ub8cc\uc728\uc740 \ucd5c\uc800 1.0%\uc5d0\uc11c \ucd5c\ub300 1.5%\ub85c \ubcf4\ud5d8 \ud68c\uc0ac\ub9c8\ub2e4 \ucc28\uc774\uac00 \uc788\uc5b4 \uba74\uc81c \uc635\uc158\uc740 \uc989\uac01 50%\uae4c\uc9c0 \uba74\uc81c\ud560 \uc218 \uc788\uae30 \ub54c\ubb38\uc5d0 \ub2e8\uae30\uac04 \uc0ac\uc6a9\uc2dc\uc5d0 \ud070 \ube44\uc6a9\uc744 \uc544\ub084 \uc218 \uc788\uc5b4\uc694.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium\" src=\"https:\/\/phinf.pstatic.net\/image.nmv\/blog_2021_06_15_2893\/c49f0667-cdb6-11eb-979b-48df379cca40_01.jpg?type=w2\" width=\"743\" height=\"743\" \/><\/p>\n<p>\uc608\ub97c \ub4e4\uc5b4 3\uc5b5\uc744 30\uc77c \uc815\ub3c4 \uc4f0\ub824\uace0 \uc6b0\ub9ac\uc740\ud589\uc5d0\uc11c \ube4c\ub838\uc744 \ub54c\uc640 K\ubcf4\ud5d8\uc0ac\uc5d0\uc11c \ube4c\ub838\uc744 \ub54c \uac00\uc815\ud574\uc11c \uacc4\uc0b0\ud574 \ubcf4\uaca0\uc2b5\ub2c8\ub2e4.\ub274\uc2a4 \uae30\uc0ac\uc5d0\uc11c \uc544\ud30c\ud2b8 \ub2f4\ubcf4\ub300\ucd9c \uae08\ub9ac \uc778\ud558\uac00 \ub410\ub2e4\uace0 \ub9e4\uc77c\uac19\uc774 \uae30\uc0ac\ub97c \ub0b4\uc9c0\ub9cc \uc6b0\ub9ac\uc740\ud589\uc740 \ud604\uc7ac 4.97%\uac00 \ucd5c\uc800\uc785\ub2c8\ub2e4.\uc624\ud788\ub824 \ubcf4\ud5d8\uc0ac\ubcf4\ub2e4 \ub192\uc740 \uc218\uc900\uc774\uace0 \uae08\ub9ac\ub098 \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc, \uc7a5\uc810\uc774 \uc804\ud600 \uc5c6\ub294 \uac81\ub2c8\ub2e4.\uc774\uc728\uc774 \ub0ae\uc740 \uc2dc\uc911\uc740\ud589\uacfc \ube44\uad50\ud574\ub3c4 \ub2e8\uae30\uac04 \uc0ac\uc6a9\uc2dc \ube44\uc6a9 \ucc28\uc774\ub294 \ube44\uc2b7\ud55c \uc218\uc900\uc785\ub2c8\ub2e4. \ub9c8\ubb34\ub9ac<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium\" src=\"https:\/\/cdn.emetro.co.kr\/data2\/content\/image\/2022\/01\/19\/.cache\/512\/20220119500424.jpg\" width=\"512\" height=\"367\" \/><\/p>\n<p>\ub300\ucd9c \ucee8\uc124\ud134\ud2b8\uac00 \uac00\ub974\uce58\ub294 \uac00\uc774\ub4dc\ub294 \uac04\ub2e8\ud569\ub2c8\ub2e4.2\ub144 \uc774\uc0c1 \uc544\ud30c\ud2b8 \ub2f4\ubcf4\ub300\ucd9c\uc744 \uc0ac\uc6a9\ud558\uace0 DSR 40% \uc774\ub0b4\uc5d0 \ub4e4 \uc218 \uc788\ub2e4\uba74 \uae08\ub9ac\uac00 \ub0ae\uc740 \uc2dc\uc911\uc740\ud589\uc744 \uc774\uc6a9\ud558\ub294 \uac83\uc774 \ub2f9\uc5f0\ud558\uba70 DSR 40%\ub97c \ucd08\uacfc\ud558\uac70\ub098 \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc \uba74\uc81c \uc635\uc158\uc774 \ud544\uc694\ud558\ub2e4\uba74 \ubcf4\ud5d8\uc0ac\uc758 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc744 \uc774\uc6a9\ud558\ub294 \uac8c \ub9de\uc2b5\ub2c8\ub2e4.\uc2e0\uc6a9\uc810\uc218\uac00 \uc88b\uc9c0 \uc54a\uc740 \ubd84\ub4e4\ub3c4 \ubcf4\ud5d8\uc0ac\uac00 \ucc28\uc120\ucc45\uc774 \ub420 \uc218 \uc788\uc9c0\ub9cc \ub2e4\uc74c \ub0b4\uc6a9\uc73c\ub85c \ub354 \uc790\uc138\ud788 \uc54c\uc544\ubcf4\uae30\ub85c \ud558\uace0 \uc624\ub298 \ud3ec\uc2a4\ud305\uc740 \uc774\ub9cc \ub9c8\uce58\uaca0\uc2b5\ub2c8\ub2e4.\uad81\uae08\ud558\uc2e0 \uc810\uc774\ub098 \ucd94\uac00 \ubb38\uc758 \uc0ac\ud56d\uc774 \uc788\uc73c\uc2e0 \ubd84\uc740 \uce5c\uc808\uc0c1\ub2f4\uc0ac\uac00 \ud56d\uc0c1 \ub300\uae30 \uc911\uc774\ub2c8 \uc5b8\uc81c\ub4e0\uc9c0 \uc544\ub798 \uc5f0\ub77d\ucc98 \ub610\ub294 \uce74\uce74\uc624\ud1a1 \ud504\ub85c\ud544\ub85c \ubb38\uc758\uc8fc\uc138\uc694^^<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium\" src=\"https:\/\/image.edaily.co.kr\/images\/Photo\/files\/NP\/S\/2020\/06\/PS20060400053.jpg\" width=\"537\" height=\"308\" \/><\/p>\n<p>\ub300\ucd9c \ucee8\uc124\ud134\ud2b8\uac00 \uac00\ub974\uce58\ub294 \uac00\uc774\ub4dc\ub294 \uac04\ub2e8\ud569\ub2c8\ub2e4.2\ub144 \uc774\uc0c1 \uc544\ud30c\ud2b8 \ub2f4\ubcf4\ub300\ucd9c\uc744 \uc0ac\uc6a9\ud558\uace0 DSR 40% \uc774\ub0b4\uc5d0 \ub4e4 \uc218 \uc788\ub2e4\uba74 \uae08\ub9ac\uac00 \ub0ae\uc740 \uc2dc\uc911\uc740\ud589\uc744 \uc774\uc6a9\ud558\ub294 \uac83\uc774 \ub2f9\uc5f0\ud558\uba70 DSR 40%\ub97c \ucd08\uacfc\ud558\uac70\ub098 \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc \uba74\uc81c \uc635\uc158\uc774 \ud544\uc694\ud558\ub2e4\uba74 \ubcf4\ud5d8\uc0ac\uc758 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc744 \uc774\uc6a9\ud558\ub294 \uac8c \ub9de\uc2b5\ub2c8\ub2e4.\uc2e0\uc6a9\uc810\uc218\uac00 \uc88b\uc9c0 \uc54a\uc740 \ubd84\ub4e4\ub3c4 \ubcf4\ud5d8\uc0ac\uac00 \ucc28\uc120\ucc45\uc774 \ub420 \uc218 \uc788\uc9c0\ub9cc \ub2e4\uc74c \ub0b4\uc6a9\uc73c\ub85c \ub354 \uc790\uc138\ud788 \uc54c\uc544\ubcf4\uae30\ub85c \ud558\uace0 \uc624\ub298 \ud3ec\uc2a4\ud305\uc740 \uc774\ub9cc \ub9c8\uce58\uaca0\uc2b5\ub2c8\ub2e4.\uad81\uae08\ud558\uc2e0 \uc810\uc774\ub098 \ucd94\uac00 \ubb38\uc758 \uc0ac\ud56d\uc774 \uc788\uc73c\uc2e0 \ubd84\uc740 \uce5c\uc808\uc0c1\ub2f4\uc0ac\uac00 \ud56d\uc0c1 \ub300\uae30 \uc911\uc774\ub2c8 \uc5b8\uc81c\ub4e0\uc9c0 \uc544\ub798 \uc5f0\ub77d\ucc98 \ub610\ub294 \uce74\uce74\uc624\ud1a1 \ud504\ub85c\ud544\ub85c \ubb38\uc758\uc8fc\uc138\uc694^^<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium\" src=\"https:\/\/cdn.emetro.co.kr\/data2\/content\/image\/2022\/01\/19\/.cache\/512\/20220119500423.jpg\" width=\"512\" height=\"307\" \/><\/p>\n<p>\ub300\ucd9c \ucee8\uc124\ud134\ud2b8\uac00 \uac00\ub974\uce58\ub294 \uac00\uc774\ub4dc\ub294 \uac04\ub2e8\ud569\ub2c8\ub2e4.2\ub144 \uc774\uc0c1 \uc544\ud30c\ud2b8 \ub2f4\ubcf4\ub300\ucd9c\uc744 \uc0ac\uc6a9\ud558\uace0 DSR 40% \uc774\ub0b4\uc5d0 \ub4e4 \uc218 \uc788\ub2e4\uba74 \uae08\ub9ac\uac00 \ub0ae\uc740 \uc2dc\uc911\uc740\ud589\uc744 \uc774\uc6a9\ud558\ub294 \uac83\uc774 \ub2f9\uc5f0\ud558\uba70 DSR 40%\ub97c \ucd08\uacfc\ud558\uac70\ub098 \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc \uba74\uc81c \uc635\uc158\uc774 \ud544\uc694\ud558\ub2e4\uba74 \ubcf4\ud5d8\uc0ac\uc758 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc744 \uc774\uc6a9\ud558\ub294 \uac8c \ub9de\uc2b5\ub2c8\ub2e4.\uc2e0\uc6a9\uc810\uc218\uac00 \uc88b\uc9c0 \uc54a\uc740 \ubd84\ub4e4\ub3c4 \ubcf4\ud5d8\uc0ac\uac00 \ucc28\uc120\ucc45\uc774 \ub420 \uc218 \uc788\uc9c0\ub9cc \ub2e4\uc74c \ub0b4\uc6a9\uc73c\ub85c \ub354 \uc790\uc138\ud788 \uc54c\uc544\ubcf4\uae30\ub85c \ud558\uace0 \uc624\ub298 \ud3ec\uc2a4\ud305\uc740 \uc774\ub9cc \ub9c8\uce58\uaca0\uc2b5\ub2c8\ub2e4.\uad81\uae08\ud558\uc2e0 \uc810\uc774\ub098 \ucd94\uac00 \ubb38\uc758 \uc0ac\ud56d\uc774 \uc788\uc73c\uc2e0 \ubd84\uc740 \uce5c\uc808\uc0c1\ub2f4\uc0ac\uac00 \ud56d\uc0c1 \ub300\uae30 \uc911\uc774\ub2c8 \uc5b8\uc81c\ub4e0\uc9c0 \uc544\ub798 \uc5f0\ub77d\ucc98 \ub610\ub294 \uce74\uce74\uc624\ud1a1 \ud504\ub85c\ud544\ub85c \ubb38\uc758\uc8fc\uc138\uc694^^<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium\" src=\"https:\/\/thumb.mt.co.kr\/06\/2023\/04\/2023041014093266252_1.jpg\/dims\/resize\/1200\/crop\/1200x630!\/optimize\/\" width=\"1200\" height=\"630\" \/><\/p>\n<p>\ub300\ucd9c \ucee8\uc124\ud134\ud2b8\uac00 \uac00\ub974\uce58\ub294 \uac00\uc774\ub4dc\ub294 \uac04\ub2e8\ud569\ub2c8\ub2e4.2\ub144 \uc774\uc0c1 \uc544\ud30c\ud2b8 \ub2f4\ubcf4\ub300\ucd9c\uc744 \uc0ac\uc6a9\ud558\uace0 DSR 40% \uc774\ub0b4\uc5d0 \ub4e4 \uc218 \uc788\ub2e4\uba74 \uae08\ub9ac\uac00 \ub0ae\uc740 \uc2dc\uc911\uc740\ud589\uc744 \uc774\uc6a9\ud558\ub294 \uac83\uc774 \ub2f9\uc5f0\ud558\uba70 DSR 40%\ub97c \ucd08\uacfc\ud558\uac70\ub098 \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc \uba74\uc81c \uc635\uc158\uc774 \ud544\uc694\ud558\ub2e4\uba74 \ubcf4\ud5d8\uc0ac\uc758 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc744 \uc774\uc6a9\ud558\ub294 \uac8c \ub9de\uc2b5\ub2c8\ub2e4.\uc2e0\uc6a9\uc810\uc218\uac00 \uc88b\uc9c0 \uc54a\uc740 \ubd84\ub4e4\ub3c4 \ubcf4\ud5d8\uc0ac\uac00 \ucc28\uc120\ucc45\uc774 \ub420 \uc218 \uc788\uc9c0\ub9cc \ub2e4\uc74c \ub0b4\uc6a9\uc73c\ub85c \ub354 \uc790\uc138\ud788 \uc54c\uc544\ubcf4\uae30\ub85c \ud558\uace0 \uc624\ub298 \ud3ec\uc2a4\ud305\uc740 \uc774\ub9cc \ub9c8\uce58\uaca0\uc2b5\ub2c8\ub2e4.\uad81\uae08\ud558\uc2e0 \uc810\uc774\ub098 \ucd94\uac00 \ubb38\uc758 \uc0ac\ud56d\uc774 \uc788\uc73c\uc2e0 \ubd84\uc740 \uce5c\uc808\uc0c1\ub2f4\uc0ac\uac00 \ud56d\uc0c1 \ub300\uae30 \uc911\uc774\ub2c8 \uc5b8\uc81c\ub4e0\uc9c0 \uc544\ub798 \uc5f0\ub77d\ucc98 \ub610\ub294 \uce74\uce74\uc624\ud1a1 \ud504\ub85c\ud544\ub85c \ubb38\uc758\uc8fc\uc138\uc694^^\ub300\ucd9c \ucee8\uc124\ud134\ud2b8\uac00 \uac00\ub974\uce58\ub294 \uac00\uc774\ub4dc\ub294 \uac04\ub2e8\ud569\ub2c8\ub2e4.2\ub144 \uc774\uc0c1 \uc544\ud30c\ud2b8 \ub2f4\ubcf4\ub300\ucd9c\uc744 \uc0ac\uc6a9\ud558\uace0 DSR 40% \uc774\ub0b4\uc5d0 \ub4e4 \uc218 \uc788\ub2e4\uba74 \uae08\ub9ac\uac00 \ub0ae\uc740 \uc2dc\uc911\uc740\ud589\uc744 \uc774\uc6a9\ud558\ub294 \uac83\uc774 \ub2f9\uc5f0\ud558\uba70 DSR 40%\ub97c \ucd08\uacfc\ud558\uac70\ub098 \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc \uba74\uc81c \uc635\uc158\uc774 \ud544\uc694\ud558\ub2e4\uba74 \ubcf4\ud5d8\uc0ac\uc758 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc744 \uc774\uc6a9\ud558\ub294 \uac8c \ub9de\uc2b5\ub2c8\ub2e4.\uc2e0\uc6a9\uc810\uc218\uac00 \uc88b\uc9c0 \uc54a\uc740 \ubd84\ub4e4\ub3c4 \ubcf4\ud5d8\uc0ac\uac00 \ucc28\uc120\ucc45\uc774 \ub420 \uc218 \uc788\uc9c0\ub9cc \ub2e4\uc74c \ub0b4\uc6a9\uc73c\ub85c \ub354 \uc790\uc138\ud788 \uc54c\uc544\ubcf4\uae30\ub85c \ud558\uace0 \uc624\ub298 \ud3ec\uc2a4\ud305\uc740 \uc774\ub9cc \ub9c8\uce58\uaca0\uc2b5\ub2c8\ub2e4.\uad81\uae08\ud558\uc2e0 \uc810\uc774\ub098 \ucd94\uac00 \ubb38\uc758 \uc0ac\ud56d\uc774 \uc788\uc73c\uc2e0 \ubd84\uc740 \uce5c\uc808\uc0c1\ub2f4\uc0ac\uac00 \ud56d\uc0c1 \ub300\uae30 \uc911\uc774\ub2c8 \uc5b8\uc81c\ub4e0\uc9c0 \uc544\ub798 \uc5f0\ub77d\ucc98 \ub610\ub294 \uce74\uce74\uc624\ud1a1 \ud504\ub85c\ud544\ub85c \ubb38\uc758\uc8fc\uc138\uc694^^\ub300\ucd9c \ucee8\uc124\ud134\ud2b8\uac00 \uac00\ub974\uce58\ub294 \uac00\uc774\ub4dc\ub294 \uac04\ub2e8\ud569\ub2c8\ub2e4.2\ub144 \uc774\uc0c1 \uc544\ud30c\ud2b8 \ub2f4\ubcf4\ub300\ucd9c\uc744 \uc0ac\uc6a9\ud558\uace0 DSR 40% \uc774\ub0b4\uc5d0 \ub4e4 \uc218 \uc788\ub2e4\uba74 \uae08\ub9ac\uac00 \ub0ae\uc740 \uc2dc\uc911\uc740\ud589\uc744 \uc774\uc6a9\ud558\ub294 \uac83\uc774 \ub2f9\uc5f0\ud558\uba70 DSR 40%\ub97c \ucd08\uacfc\ud558\uac70\ub098 \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc \uba74\uc81c \uc635\uc158\uc774 \ud544\uc694\ud558\ub2e4\uba74 \ubcf4\ud5d8\uc0ac\uc758 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc744 \uc774\uc6a9\ud558\ub294 \uac8c \ub9de\uc2b5\ub2c8\ub2e4.\uc2e0\uc6a9\uc810\uc218\uac00 \uc88b\uc9c0 \uc54a\uc740 \ubd84\ub4e4\ub3c4 \ubcf4\ud5d8\uc0ac\uac00 \ucc28\uc120\ucc45\uc774 \ub420 \uc218 \uc788\uc9c0\ub9cc \ub2e4\uc74c \ub0b4\uc6a9\uc73c\ub85c \ub354 \uc790\uc138\ud788 \uc54c\uc544\ubcf4\uae30\ub85c \ud558\uace0 \uc624\ub298 \ud3ec\uc2a4\ud305\uc740 \uc774\ub9cc \ub9c8\uce58\uaca0\uc2b5\ub2c8\ub2e4.\uad81\uae08\ud558\uc2e0 \uc810\uc774\ub098 \ucd94\uac00 \ubb38\uc758 \uc0ac\ud56d\uc774 \uc788\uc73c\uc2e0 \ubd84\uc740 \uce5c\uc808\uc0c1\ub2f4\uc0ac\uac00 \ud56d\uc0c1 \ub300\uae30 \uc911\uc774\ub2c8 \uc5b8\uc81c\ub4e0\uc9c0 \uc544\ub798 \uc5f0\ub77d\ucc98 \ub610\ub294 \uce74\uce74\uc624\ud1a1 \ud504\ub85c\ud544\ub85c \ubb38\uc758\uc8fc\uc138\uc694^^\ub300\ucd9c \ucee8\uc124\ud134\ud2b8\uac00 \uac00\ub974\uce58\ub294 \uac00\uc774\ub4dc\ub294 \uac04\ub2e8\ud569\ub2c8\ub2e4.2\ub144 \uc774\uc0c1 \uc544\ud30c\ud2b8 \ub2f4\ubcf4\ub300\ucd9c\uc744 \uc0ac\uc6a9\ud558\uace0 DSR 40% \uc774\ub0b4\uc5d0 \ub4e4 \uc218 \uc788\ub2e4\uba74 \uae08\ub9ac\uac00 \ub0ae\uc740 \uc2dc\uc911\uc740\ud589\uc744 \uc774\uc6a9\ud558\ub294 \uac83\uc774 \ub2f9\uc5f0\ud558\uba70 DSR 40%\ub97c \ucd08\uacfc\ud558\uac70\ub098 \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc \uba74\uc81c \uc635\uc158\uc774 \ud544\uc694\ud558\ub2e4\uba74 \ubcf4\ud5d8\uc0ac\uc758 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc744 \uc774\uc6a9\ud558\ub294 \uac8c \ub9de\uc2b5\ub2c8\ub2e4.\uc2e0\uc6a9\uc810\uc218\uac00 \uc88b\uc9c0 \uc54a\uc740 \ubd84\ub4e4\ub3c4 \ubcf4\ud5d8\uc0ac\uac00 \ucc28\uc120\ucc45\uc774 \ub420 \uc218 \uc788\uc9c0\ub9cc \ub2e4\uc74c \ub0b4\uc6a9\uc73c\ub85c \ub354 \uc790\uc138\ud788 \uc54c\uc544\ubcf4\uae30\ub85c \ud558\uace0 \uc624\ub298 \ud3ec\uc2a4\ud305\uc740 \uc774\ub9cc \ub9c8\uce58\uaca0\uc2b5\ub2c8\ub2e4.\uad81\uae08\ud558\uc2e0 \uc810\uc774\ub098 \ucd94\uac00 \ubb38\uc758 \uc0ac\ud56d\uc774 \uc788\uc73c\uc2e0 \ubd84\uc740 \uce5c\uc808\uc0c1\ub2f4\uc0ac\uac00 \ud56d\uc0c1 \ub300\uae30 \uc911\uc774\ub2c8 \uc5b8\uc81c\ub4e0\uc9c0 \uc544\ub798 \uc5f0\ub77d\ucc98 \ub610\ub294 \uce74\uce74\uc624\ud1a1 \ud504\ub85c\ud544\ub85c \ubb38\uc758\uc8fc\uc138\uc694^^<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc548\ub155\ud558\uc138\uc694 \uc544\ud30c\ud2b8 \ub2f4\ubcf4 \ub300\ucd9c \uc815\ubcf4\ub97c \ub204\uad6c\ubcf4\ub2e4\ub3c4 \ube68\ub9ac \uc815\ud655\ud558\uac8c \uc548\ub0b4\ud588\ub2e4&#8221;\ub300\ucd9c \ud050\ub808\uc774\ud130&#8221;\uc785\ub2c8\ub2e4.\uc2dc\uc911 \uc740\ud589\uc758 \uc544\ud30c\ud2b8 \ub2f4\ubcf4 \ub300\ucd9c \uace0\uc815 \uae08\ub9ac\uc758 \uae30\uc900\uc774 \ub418\ub294 \uae08\uc735\ucc44 5\ub144\ubb3c\uc774 \ud558\ub77d\ud558\uba74\uc11c \uc804\uccb4\uc801\uc73c\ub85c \uc778\ud558\ub418\uc5c8\uc2b5\ub2c8\ub2e4.\uc9c0\ub09c \ub2ec 10\uc77c \uc9c1\uc804 \uac70\ub798\uc77c 3\uc77c \uac04 \uc720\ud1b5 \uc218\uc775\ub960 \ud3c9\uade0 4.4313%\ub97c \uae30\ub85d\ud55c \ub0b8 \uae08\uc735\ucc44 5\ub144\ubb3c\uc740 \ud3ec\uc2a4\ud305\uc744 \uc791\uc131\ud558\ub294 4\uc6d4 10\uc77c \uae30\uc900\uc73c\ub85c 3.8728%\ub85c 0.5585%\ud3ec\uc778\ud2b8 \ub0b4\ub838\uc2b5\ub2c8\ub2e4.\ubbf8\uad6d \uc2e4\ub9ac\ucf58 \ubc38\ub9ac \uc740\ud589(SVB)\ud3d0\uc1c4 \uc774\ud6c4 \ubbf8\uad6d \uc5f0\ubc29 \uc900\ube44 \uc81c\ub3c4(Fed\u00b7\uc5f0\uc900)\uac00 \uae08\uc735 \ubd88\uc548\uc744 &#8230; <a title=\"\uc2dc\uc911\uc740\ud589 \uc544\ud30c\ud2b8 \ub300\ucd9c\uae08\ub9ac \uc778\ud558 \ud589\uc9c4 \uc5ec\uc804\ud788 \ub192\uc740 \ubcf4\ud5d8\uc0ac\u2026\uc62c\ubc14\ub978 \uc120\ud0dd \uac00\uc774\ub4dc!\" class=\"read-more\" href=\"https:\/\/icover.kr\/?p=990\" aria-label=\"Read more about \uc2dc\uc911\uc740\ud589 \uc544\ud30c\ud2b8 \ub300\ucd9c\uae08\ub9ac \uc778\ud558 \ud589\uc9c4 \uc5ec\uc804\ud788 \ub192\uc740 \ubcf4\ud5d8\uc0ac\u2026\uc62c\ubc14\ub978 \uc120\ud0dd \uac00\uc774\ub4dc!\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/icover.kr\/index.php?rest_route=\/wp\/v2\/posts\/990"}],"collection":[{"href":"https:\/\/icover.kr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/icover.kr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/icover.kr\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/icover.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=990"}],"version-history":[{"count":0,"href":"https:\/\/icover.kr\/index.php?rest_route=\/wp\/v2\/posts\/990\/revisions"}],"wp:attachment":[{"href":"https:\/\/icover.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=990"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/icover.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=990"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/icover.kr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=990"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}