{"id":1073,"date":"2026-09-08T22:59:40","date_gmt":"2026-09-08T13:59:40","guid":{"rendered":"https:\/\/joafinance.com\/?p=1073"},"modified":"2026-09-02T18:15:13","modified_gmt":"2026-09-02T09:15:13","slug":"%ec%b9%b4%eb%93%9c%ed%8f%ac%ec%9d%b8%ed%8a%b8-%ed%86%b5%ed%95%a9%ec%a1%b0%ed%9a%8c-%eb%b0%a9%eb%b2%95-%ec%b4%9d%ec%a0%95%eb%a6%ac-%ed%98%84%ea%b8%88%ed%99%94%c2%b7%ea%b3%84%ec%a2%8c%ec%9e%85","status":"publish","type":"post","link":"https:\/\/joafinance.com\/?p=1073","title":{"rendered":"\uce74\ub4dc\ud3ec\uc778\ud2b8 \ud1b5\ud569\uc870\ud68c \ubc29\ubc95 \ucd1d\uc815\ub9ac \u2013 \ud604\uae08\ud654\u00b7\uacc4\uc88c\uc785\uae08 \uc2e0\uccad\uae4c\uc9c0 \ud55c\ub208\uc5d0"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\uce74\ub4dc\ud3ec\uc778\ud2b8 \ud1b5\ud569\uc870\ud68c\ub294 \uc5ec\ub7ec \uce74\ub4dc\uc0ac\uc5d0 \ud769\uc5b4\uc9c4 \ud3ec\uc778\ud2b8\ub97c \ud55c \ubc88\uc5d0 \ud655\uc778\ud558\uace0 \ud604\uae08\uc73c\ub85c \ubc14\uafc0 \uc218 \uc788\ub294 \ubb34\ub8cc \uc11c\ube44\uc2a4\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc5ec\uc2e0\uae08\uc735\ud611\ud68c\uac00 \uc6b4\uc601\ud558\uba70, \ud648\ud398\uc774\uc9c0\ub098 \uc571\uc5d0\uc11c \ubcf8\uc778 \uc778\uc99d\ub9cc \uac70\uce58\uba74 \ub204\uad6c\ub098 \uc774\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc870\ud68c\ud55c \ud3ec\uc778\ud2b8\ub294 \uacc4\uc88c\uc785\uae08 \uc2e0\uccad\uc744 \ud1b5\ud574 1\uc6d0 \ub2e8\uc704\ub85c \ud604\uae08\ud654\ub418\ubbc0\ub85c, \uc78a\uace0 \uc788\ub358 \uc18c\uc561 \uc790\uc0b0\uc744 \uc190\uc27d\uac8c \ub418\ucc3e\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<!-- \uce74\ub4dc\ud3ec\uc778\ud2b8 \ud1b5\ud569\uc870\ud68c \ud575\uc2ec \uc694\uc57d \uce74\ub4dc \u00b7 \uc870\uc544\ud30c\uc774\ub0b8\uc2a4 \u00b7 WordPress \ubcf8\ubb38\uc5d0 \ubd99\uc5ec\ub123\uae30\uc6a9 -->\n<div style=\"max-width:680px;margin:24px auto;padding:0;font-family:'Pretendard',-apple-system,BlinkMacSystemFont,'Apple SD Gothic Neo','Malgun Gothic',sans-serif;color:#1b2a3a;box-sizing:border-box;\">\n  <div style=\"border:1px solid #e3e8ef;border-radius:16px;overflow:hidden;box-shadow:0 6px 20px rgba(27,42,58,.06);\">\n    <div style=\"background:linear-gradient(135deg,#1f6feb 0%,#0b8f6a 100%);padding:20px 24px;\">\n      <div style=\"font-size:13px;letter-spacing:.04em;color:#dbeafe;font-weight:600;\">\ud55c\ub208\uc5d0 \ubcf4\uae30<\/div>\n      <div style=\"font-size:20px;font-weight:800;color:#ffffff;margin-top:4px;\">\uce74\ub4dc\ud3ec\uc778\ud2b8 \ud1b5\ud569\uc870\ud68c \ud575\uc2ec \uc694\uc57d<\/div>\n    <\/div>\n    <div style=\"padding:8px 0;background:#ffffff;\">\n      <table style=\"width:100%;border-collapse:collapse;font-size:15px;line-height:1.5;\">\n        <tbody>\n          <tr style=\"border-bottom:1px solid #eef2f7;\">\n            <td style=\"padding:14px 24px;width:38%;color:#5b6b7c;font-weight:600;background:#f8fafc;\">\uc6b4\uc601\uae30\uad00<\/td>\n            <td style=\"padding:14px 24px;font-weight:600;\">\uc5ec\uc2e0\uae08\uc735\ud611\ud68c(CREFIA)<\/td>\n          <\/tr>\n          <tr style=\"border-bottom:1px solid #eef2f7;\">\n            <td style=\"padding:14px 24px;color:#5b6b7c;font-weight:600;background:#f8fafc;\">\uc774\uc6a9 \ube44\uc6a9<\/td>\n            <td style=\"padding:14px 24px;\">\ubb34\ub8cc (\uc870\ud68c\u00b7\uacc4\uc88c\uc785\uae08 \uc218\uc218\ub8cc \uc5c6\uc74c)<\/td>\n          <\/tr>\n          <tr style=\"border-bottom:1px solid #eef2f7;\">\n            <td style=\"padding:14px 24px;color:#5b6b7c;font-weight:600;background:#f8fafc;\">\ucc38\uc5ec \uce74\ub4dc\uc0ac<\/td>\n            <td style=\"padding:14px 24px;\">\ub86f\ub370\u00b7\ube44\uc528\u00b7\uc0bc\uc131\u00b7\uc2e0\ud55c\u00b7\uc6b0\ub9ac\u00b7\ud558\ub098\u00b7\ud604\ub300\u00b7KB\uad6d\ubbfc\u00b7NH\ub18d\ud611\uce74\ub4dc, \ud55c\uad6d\uc528\ud2f0\uc740\ud589 (10\uacf3)<\/td>\n          <\/tr>\n          <tr style=\"border-bottom:1px solid #eef2f7;\">\n            <td style=\"padding:14px 24px;color:#5b6b7c;font-weight:600;background:#f8fafc;\">\ucd5c\uc18c \uc785\uae08 \ub2e8\uc704<\/td>\n            <td style=\"padding:14px 24px;\">1\ud3ec\uc778\ud2b8(=1\uc6d0)\ubd80\ud130 \uacc4\uc88c\uc785\uae08 \uac00\ub2a5<\/td>\n          <\/tr>\n          <tr style=\"border-bottom:1px solid #eef2f7;\">\n            <td style=\"padding:14px 24px;color:#5b6b7c;font-weight:600;background:#f8fafc;\">\uc2e0\uccad \ucc44\ub110<\/td>\n            <td style=\"padding:14px 24px;\">\uacf5\uc2dd \ud648\ud398\uc774\uc9c0 \u00b7 \uc5b4\uce74\uc6b4\ud2b8\uc778\ud3ec(\uacc4\uc88c\uc815\ubcf4\ud1b5\ud569\uad00\ub9ac) \uc571<\/td>\n          <\/tr>\n          <tr style=\"border-bottom:1px solid #eef2f7;\">\n            <td style=\"padding:14px 24px;color:#5b6b7c;font-weight:600;background:#f8fafc;\">\uc785\uae08 \ucc98\ub9ac 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style=\"padding:14px 24px;background:#f1f5f9;font-size:12.5px;color:#64748b;line-height:1.5;\">\n      \ud56d\uacf5\ub9c8\uc77c\ub9ac\uc9c0\u00b7OK\uce90\uc2dc\ubc31 \ub4f1 \uc77c\ubd80 \uc81c\ud734 \ud3ec\uc778\ud2b8\ub294 \uc870\ud68c\u00b7\ud604\uae08\ud654 \ub300\uc0c1\uc5d0\uc11c \uc81c\uc678\ub420 \uc218 \uc788\uc73c\uba70, \uc138\ubd80 \uae30\uc900\uc740 \uce74\ub4dc\uc0ac\ubcc4\ub85c \ub2e4\ub97c \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n    <\/div>\n  <\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\uce74\ub4dc\ud3ec\uc778\ud2b8 \ud1b5\ud569\uc870\ud68c\ub780 \ubb34\uc5c7\uc77c\uae4c<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.cardpoint.or.kr\/\" target=\"_blank\" rel=\"noopener\">\uc5ec\uc2e0\uae08\uc735\ud611\ud68c \uce74\ub4dc\ud3ec\uc778\ud2b8 \ud1b5\ud569\uc870\ud68c \uc11c\ube44\uc2a4<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uce74\ub4dc\ud3ec\uc778\ud2b8 \ud1b5\ud569\uc870\ud68c\ub294 \uce74\ub4dc\ud68c\uc6d0\uc774 \uc5ec\ub7ec \uce74\ub4dc\uc0ac\uc5d0 \ub098\ub220 \uc313\uc544 \ub454 \ud3ec\uc778\ud2b8\ub97c \ud558\ub098\uc758 \ud654\uba74\uc5d0\uc11c \ud55c \ubc88\uc5d0 \ud655\uc778\ud560 \uc218 \uc788\uac8c \ub9cc\ub4e0 \uc2dc\uc2a4\ud15c\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc6d0\ub798\ub294 \uac01 \uce74\ub4dc\uc0ac \uc571\uc774\ub098 \ud648\ud398\uc774\uc9c0\uc5d0 \ub530\ub85c \uc811\uc18d\ud574\uc57c \uc794\uc5ec \ud3ec\uc778\ud2b8\ub97c \uc54c \uc218 \uc788\uc5c8\uc9c0\ub9cc, \uc774 \uc11c\ube44\uc2a4\ub294 \ucc38\uc5ec \uce74\ub4dc\uc0ac\uc758 \ud3ec\uc778\ud2b8\ub97c \ubaa8\uc544\uc11c \ubcf4\uc5ec \uc90d\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc870\ud68c\ub294 \ubb3c\ub860 \ud604\uae08\ud654\uae4c\uc9c0 \ud55c \uc790\ub9ac\uc5d0\uc11c \uac00\ub2a5\ud558\uace0, \uc774\uc6a9\ub8cc\ub294 \ub4e4\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc5f0\ub9d0\uc5d0\ub9cc \uc5f4\ub9ac\ub294 \ud55c\uc2dc \uc11c\ube44\uc2a4\uac00 \uc544\ub2c8\ub77c \uc5f0\uc911 \uc5b8\uc81c\ub098 \uc870\ud68c\uc640 \uacc4\uc88c\uc785\uae08 \uc2e0\uccad\uc744 \ud560 \uc218 \uc788\ub2e4\ub294 \uc810\ub3c4 \ud2b9\uc9d5\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc5b4\ub5a4 \uce74\ub4dc\uc0ac\uac00 \ucc38\uc5ec\ud558\ub098\uc694<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uce74\ub4dc\ud3ec\uc778\ud2b8 \ud1b5\ud569\uc870\ud68c\uc5d0 \ucc38\uc5ec\ud558\ub294 \uce74\ub4dc\uc0ac\ub294 \uad6d\ub0b4 \uc8fc\uc694 \uce74\ub4dc\uc0ac \ub300\ubd80\ubd84\uc744 \ud3ec\ud568\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ucc38\uc5ec\uc0ac\ub294 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ub86f\ub370\u00b7\ube44\uc528\u00b7\uc0bc\uc131\u00b7\uc2e0\ud55c\u00b7\uc6b0\ub9ac\uce74\ub4dc<\/li>\n\n\n\n<li>\ud558\ub098\u00b7\ud604\ub300\u00b7KB\uad6d\ubbfc\u00b7NH\ub18d\ud611\uce74\ub4dc, \ud55c\uad6d\uc528\ud2f0\uc740\ud589<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\uc8fc\uc758\ud560 \uc810\uc740 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\uc218\uc6d4\ud574\uc9d1\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uce74\ub4dc\ud3ec\uc778\ud2b8 \ud1b5\ud569\uc870\ud68c \uc2e0\uccad \ubc29\ubc95 (\uacc4\uc88c\uc785\uae08 \uc808\ucc28)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc2e0\uccad \uc808\ucc28\ub294 \uc0dd\uac01\ubcf4\ub2e4 \ub2e8\uc21c\ud574\uc11c \ucc98\uc74c \uc774\uc6a9\ud558\ub294 \uc0ac\ub78c\ub3c4 \uba87 \ubd84 \uc548\uc5d0 \ub05d\ub0bc \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc544\ub798 \ub2e8\uacc4\ub97c \uc21c\uc11c\ub300\ub85c \ub530\ub77c\uac00\uba74 \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<!-- \uce74\ub4dc\ud3ec\uc778\ud2b8 \ud1b5\ud569\uc870\ud68c \uacc4\uc88c\uc785\uae08 \uc2e0\uccad 5\ub2e8\uacc4 \u00b7 \uc870\uc544\ud30c\uc774\ub0b8\uc2a4 \u00b7 WordPress \ubcf8\ubb38\uc5d0 \ubd99\uc5ec\ub123\uae30\uc6a9 -->\n<div style=\"max-width:680px;margin:24px auto;font-family:'Pretendard',-apple-system,BlinkMacSystemFont,'Apple SD Gothic Neo','Malgun Gothic',sans-serif;color:#1b2a3a;box-sizing:border-box;\">\n  <div style=\"border:1px solid #e3e8ef;border-radius:16px;overflow:hidden;box-shadow:0 6px 20px rgba(27,42,58,.06);background:#ffffff;\">\n    <div style=\"background:#0b8f6a;padding:20px 24px;\">\n      <div style=\"font-size:13px;letter-spacing:.04em;color:#c7f0e2;font-weight:600;\">\ub530\ub77c \ud558\uae30<\/div>\n      <div style=\"font-size:20px;font-weight:800;color:#ffffff;margin-top:4px;\">\uce74\ub4dc\ud3ec\uc778\ud2b8 \uacc4\uc88c\uc785\uae08 \uc2e0\uccad 5\ub2e8\uacc4<\/div>\n    <\/div>\n    <div style=\"padding:20px 22px;\">\n\n      <div style=\"display:flex;gap:14px;align-items:flex-start;padding:14px 0;border-bottom:1px solid #eef2f7;\">\n        <div style=\"flex:0 0 34px;height:34px;border-radius:50%;background:#e7f2ff;color:#1f6feb;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:15px;\">1<\/div>\n        <div>\n          <div style=\"font-weight:700;font-size:15.5px;\">\uacf5\uc2dd \ud1b5\ud569\uc870\ud68c \uc11c\ube44\uc2a4 \uc811\uc18d<\/div>\n          <div style=\"color:#5b6b7c;font-size:14px;margin-top:2px;line-height:1.5;\">\uc5ec\uc2e0\uae08\uc735\ud611\ud68c \ud648\ud398\uc774\uc9c0 \ub610\ub294 \uc5b4\uce74\uc6b4\ud2b8\uc778\ud3ec \uc571\uc5d0 \ub4e4\uc5b4\uac11\ub2c8\ub2e4.<\/div>\n        <\/div>\n      <\/div>\n\n      <div style=\"display:flex;gap:14px;align-items:flex-start;padding:14px 0;border-bottom:1px solid #eef2f7;\">\n        <div style=\"flex:0 0 34px;height:34px;border-radius:50%;background:#e7f2ff;color:#1f6feb;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:15px;\">2<\/div>\n        <div>\n          <div style=\"font-weight:700;font-size:15.5px;\">[\ud1b5\ud569\uc870\ud68c \/ \uacc4\uc88c\uc785\uae08 \/ \uae30\ubd80] \uc120\ud0dd<\/div>\n          <div style=\"color:#5b6b7c;font-size:14px;margin-top:2px;line-height:1.5;\">\ud68c\uc6d0 \ub85c\uadf8\uc778 \ub610\ub294 \ube44\ud68c\uc6d0 \uc778\uc99d \uc911 \ud3b8\ud55c \ubc29\ubc95\uc744 \uace0\ub985\ub2c8\ub2e4.<\/div>\n        <\/div>\n      <\/div>\n\n      <div style=\"display:flex;gap:14px;align-items:flex-start;padding:14px 0;border-bottom:1px solid #eef2f7;\">\n        <div style=\"flex:0 0 34px;height:34px;border-radius:50%;background:#e7f2ff;color:#1f6feb;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:15px;\">3<\/div>\n        <div>\n          <div style=\"font-weight:700;font-size:15.5px;\">\ubcf8\uc778 \uc778\uc99d \ubc0f \ub3d9\uc758<\/div>\n          <div style=\"color:#5b6b7c;font-size:14px;margin-top:2px;line-height:1.5;\">\ud734\ub300\ud3f0\u00b7\uc544\uc774\ud540\u00b7\uce74\ub4dc \uc778\uc99d \ud6c4 \uc704\uc784 \ubc0f \uac1c\uc778\uc815\ubcf4 \uc81c\uacf5\uc5d0 \ub3d9\uc758\ud569\ub2c8\ub2e4.<\/div>\n        <\/div>\n      <\/div>\n\n      <div style=\"display:flex;gap:14px;align-items:flex-start;padding:14px 0;border-bottom:1px solid #eef2f7;\">\n        <div style=\"flex:0 0 34px;height:34px;border-radius:50%;background:#e7f2ff;color:#1f6feb;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:15px;\">4<\/div>\n        <div>\n          <div style=\"font-weight:700;font-size:15.5px;\">\uce74\ub4dc\uc0ac\ubcc4 \uc794\uc5ec \ud3ec\uc778\ud2b8 \ud655\uc778<\/div>\n          <div style=\"color:#5b6b7c;font-size:14px;margin-top:2px;line-height:1.5;\">\uc794\uc5ec \ud3ec\uc778\ud2b8\uc640 \uc18c\uba78\uc608\uc815 \ud3ec\uc778\ud2b8\uac00 \uce74\ub4dc\uc0ac\ubcc4\ub85c \ud55c\ub208\uc5d0 \ud45c\uc2dc\ub429\ub2c8\ub2e4.<\/div>\n        <\/div>\n      <\/div>\n\n      <div style=\"display:flex;gap:14px;align-items:flex-start;padding:14px 0;\">\n        <div style=\"flex:0 0 34px;height:34px;border-radius:50%;background:#d8f5ec;color:#0b8f6a;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:15px;\">5<\/div>\n        <div>\n          <div style=\"font-weight:700;font-size:15.5px;\">\uacc4\uc88c\uc785\uae08 \uc2e0\uccad<\/div>\n          <div style=\"color:#5b6b7c;font-size:14px;margin-top:2px;line-height:1.5;\">\ud604\uae08\ud654\ud560 \ud3ec\uc778\ud2b8\ub97c \uc120\ud0dd\ud558\uace0 \ubcf8\uc778 \uba85\uc758 \uacc4\uc88c\ub97c \uc785\ub825\ud574 \uc2e0\uccad\uc744 \ub9c8\uce69\ub2c8\ub2e4.<\/div>\n        <\/div>\n      <\/div>\n\n    <\/div>\n    <div style=\"padding:14px 24px;background:#f1f5f9;font-size:12.5px;color:#64748b;line-height:1.5;\">\n      \uacc4\uc88c\uc785\uae08\uc740 \uce74\ub4dc\uc0ac\ubcc4\ub85c \ubcf4\ud1b5 1\uc77c 1\ud68c \uac00\ub2a5\ud558\uba70, \uc2e0\uccad\uc774 \uc644\ub8cc\ub418\uba74 \ud574\ub2f9 \ud3ec\uc778\ud2b8\ub294 \uc989\uc2dc \ucc28\uac10\ub429\ub2c8\ub2e4. \ubc18\ub4dc\uc2dc \ubcf8\uc778 \uba85\uc758 \uacc4\uc88c\ub9cc \ub4f1\ub85d\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n    <\/div>\n  <\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe title=\"\uce74\ub4dc \ud3ec\uc778\ud2b8 \ud604\uae08\ud654\ud558\ub294 \ubc95\ud83c\udf84\ud83c\udf81\uc228\uc740 \uce74\ub4dc \ud3ec\uc778\ud2b8 \uc804\ubd80 \ud604\uae08\uc73c\ub85c \ubc1b\uae30\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/RDOd0XBYrdQ?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\ucd9c\ucc98: <a href=\"https:\/\/www.youtube.com\/watch?v=RDOd0XBYrdQ\" target=\"_blank\" rel=\"noopener\">\uc774\uc6d0\ucca0TV<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud648\ud398\uc774\uc9c0\uc640 \uc571, \uc5b4\ub514\uc11c \uc2e0\uccad\ud560\uae4c<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uce74\ub4dc\ud3ec\uc778\ud2b8 \ud1b5\ud569\uc870\ud68c\ub294 PC \ud648\ud398\uc774\uc9c0\uc640 \uc2a4\ub9c8\ud2b8\ud3f0 \uc571 \ub450 \uac00\uc9c0 \ubc29\uc2dd\uc73c\ub85c \uc2e0\uccad\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">PC\uc5d0\uc11c\ub294 \uc5ec\uc2e0\uae08\uc735\ud611\ud68c \ud648\ud398\uc774\uc9c0\uc5d0 \uc811\uc18d\ud574 \uba54\uc778 \ud654\uba74\uc758 \ud1b5\ud569\uc870\ud68c\u00b7\uacc4\uc88c\uc785\uae08 \uba54\ub274\ub97c \uc120\ud0dd\ud558\uba74 \ub429\ub2c8\ub2e4. \uc774\ub54c \ud0a4\ubcf4\ub4dc \ubcf4\uc548 \ud504\ub85c\uadf8\ub7a8 \uc124\uce58\ub97c \uc694\uad6c\ud558\ub294 \uacbd\uc6b0\uac00 \uc788\uc73c\ub2c8, \uc124\uce58 \ud6c4 \uc9c4\ud589\ud558\uba74 \uc624\ub958\ub97c \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ubaa8\ubc14\uc77c\uc5d0\uc11c\ub294 <a href=\"https:\/\/www.payinfo.or.kr\/\" target=\"_blank\" rel=\"noopener\">\uc5b4\uce74\uc6b4\ud2b8\uc778\ud3ec(\uacc4\uc88c\uc815\ubcf4\ud1b5\ud569\uad00\ub9ac\uc11c\ube44\uc2a4) \uc571<\/a>\uc744 \uc774\uc6a9\ud558\uba74 \ud3b8\ub9ac\ud569\ub2c8\ub2e4. \ud68c\uc6d0 \ub85c\uadf8\uc778\uc744 \ud574 \ub450\uba74 \ub2e4\uc74c\ubd80\ud130 \uc778\uc99d\uc744 \ubc18\ubcf5\ud558\uc9c0 \uc54a\uc544\ub3c4 \ub418\uc9c0\ub9cc, \ube44\ud68c\uc6d0\uc73c\ub85c \uc870\ud68c\ud560 \ub54c\ub294 \uc811\uc18d\ud560 \ub54c\ub9c8\ub2e4 \ubcf8\uc778 \uc778\uc99d\uc744 \ub2e4\uc2dc \ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uacc4\uc88c\uc785\uae08 \uc2e0\uccad \uc2dc \ud655\uc778\ud560 \uc810<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uacc4\uc88c\uc785\uae08 \uc2e0\uccad \ub2e8\uacc4\uc5d0\uc11c\ub294 \uba87 \uac00\uc9c0\ub97c \ubbf8\ub9ac \uc54c\uc544 \ub450\uba74 \uc2e4\uc218\ub97c \ub9c9\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uac00\uc7a5 \uc911\uc694\ud55c \uac83\uc740 \uc785\uae08 \uacc4\uc88c\uac00 \ubc18\ub4dc\uc2dc \ubcf8\uc778 \uba85\uc758\uc5ec\uc57c \ud55c\ub2e4\ub294 \uc810\uc785\ub2c8\ub2e4. \uc2e4\uc2dc\uac04 \uacc4\uc88c \uc778\uc99d\uc744 \uac70\uce58\uae30 \ub54c\ubb38\uc5d0 \ud0c0\uc778 \uba85\uc758 \uacc4\uc88c\ub85c\ub294 \uc2e0\uccad\uc774 \ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uacc4\uc88c\uc785\uae08\uc740 \uce74\ub4dc\uc0ac\ubcc4\ub85c \ubcf4\ud1b5 1\uc77c 1\ud68c \uac00\ub2a5\ud558\uba70, \uc2e0\uccad\uc774 \uc644\ub8cc\ub418\uba74 \ud574\ub2f9 \ud3ec\uc778\ud2b8\ub294 \uadf8 \uc989\uc2dc \ucc28\uac10\ub429\ub2c8\ub2e4. \ub300\ubd80\ubd84\uc758 \uce74\ub4dc\uc0ac\ub294 \uc2e0\uccad \uc989\uc2dc \uc2e4\uc2dc\uac04\uc73c\ub85c \uc785\uae08\ud558\uc9c0\ub9cc, \uc8fc\ub9d0\u00b7\uacf5\ud734\uc77c\uc774\uac70\ub098 \uce74\ub4dc\uc0ac \uc601\uc5c5\uc77c\uc774 \uc544\ub2d0 \uacbd\uc6b0\uc5d0\ub294 \uc775\uc601\uc5c5\uc77c\uc5d0 \uc9c0\uae09\ub429\ub2c8\ub2e4. \ub610\ud55c \ub9e4\uc77c 23\uc2dc 30\ubd84\ubd80\ud130 \uc790\uc815 30\ubd84\uae4c\uc9c0\ub294 \uc2dc\uc2a4\ud15c \uc810\uac80\uc73c\ub85c \uacc4\uc88c\uc785\uae08\uc774 \uc81c\ud55c\ub418\ubbc0\ub85c \uc774 \uc2dc\uac04\uc740 \ud53c\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uce74\ub4dc\ud3ec\uc778\ud2b8 \ud604\uae08\ud654 \uc804 \uc54c\uc544\ub450\uba74 \uc88b\uc740 \uc815\ubcf4<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ud3ec\uc778\ud2b8\ub97c \ud604\uae08\ud654\ud558\uae30 \uc804\uc5d0 \uc720\ud6a8\uae30\uac04\uacfc \uc18c\uba78 \ubc29\uc2dd\uc744 \ud655\uc778\ud574 \ub450\uba74 \uc190\ud574\ub97c \ub9c9\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uce74\ub4dc \ud3ec\uc778\ud2b8\uc758 \uc720\ud6a8\uae30\uac04\uc740 \ubcf4\ud1b5 5\ub144(60\uac1c\uc6d4)\uc774\uba70, \uba3c\uc800 \uc801\ub9bd\ub41c \ud3ec\uc778\ud2b8\uac00 \uba3c\uc800 \uc0ac\ub77c\uc9c0\ub294 \uc120\uc785\uc120\ucd9c \ubc29\uc2dd\uc774 \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud1b5\ud569\uc870\ud68c \ud654\uba74\uc5d0\uc11c\ub294 \uc18c\uba78\uc608\uc815 \ud3ec\uc778\ud2b8\uc640 \uc18c\uba78 \uc608\uc815 \uc6d4\uae4c\uc9c0 \ud568\uaed8 \ud45c\uc2dc\ub418\ubbc0\ub85c, \uace7 \uc0ac\ub77c\uc9c8 \ud3ec\uc778\ud2b8\uac00 \uc788\ub2e4\uba74 \uc6b0\uc120\uc801\uc73c\ub85c \uacc4\uc88c\uc785\uae08\uc744 \uc2e0\uccad\ud558\ub294 \ud3b8\uc774 \uc720\ub9ac\ud569\ub2c8\ub2e4. \uc815\uae30\uc801\uc73c\ub85c \uc870\ud68c\ud558\ub294 \uc2b5\uad00\ub9cc \ub4e4\uc5ec\ub3c4 \uc18c\uba78\ub85c \ub0a0\ub9ac\ub294 \ud3ec\uc778\ud2b8\ub97c \ud06c\uac8c \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud604\uae08\ud654 \ub300\uc2e0 \uace0\ub824\ud560 \uc218 \uc788\ub294 \uc0ac\uc6a9\ucc98<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\ud604\uae08\ud654\uac00 \ud56d\uc0c1 \uac00\uc7a5 \uc774\ub4dd\uc778 \uac83\uc740 \uc544\ub2c8\ubbc0\ub85c, \uc0c1\ud669\uc5d0 \ub530\ub77c \ub2e4\ub978 \uc0ac\uc6a9\ucc98\ub97c \ud568\uaed8 \uc0b4\ud3b4\ubcf4\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc77c\ubd80 \uce74\ub4dc\uc0ac\ub294 \ud3ec\uc778\ud2b8\ub97c \uc81c\ud734\ucc98 \uacb0\uc81c\ub098 \uc0c1\ud488 \uad50\ud658\uc5d0 \uc4f8 \ub54c \ud604\uae08 \uc804\ud658\ubcf4\ub2e4 \ub354 \ub192\uc740 \uac00\uce58\ub97c \uccd0 \uc8fc\ub294 \uacbd\uc6b0\uac00 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c \ubc00\ub9b0 \uce74\ub4dc\uac12 \uacb0\uc81c\ub098 \uc5f0\ud68c\ube44 \ub0a9\ubd80, \uae30\ubd80 \ub4f1\uc5d0 \ud3ec\uc778\ud2b8\ub97c \ud65c\uc6a9\ud560 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc989 \uc18c\uc561\uc774\ub77c\uba74 \uacc4\uc88c\uc785\uae08\uc73c\ub85c \ud604\uae08\ud654\ud558\uace0, \uae08\uc561\uc774 \ud06c\uac70\ub098 \ud2b9\uc815 \ud61c\ud0dd\uc774 \ubd99\ub294 \ud3ec\uc778\ud2b8\ub77c\uba74 \uc0ac\uc6a9\ucc98\ub97c \ube44\uad50\ud574 \ubcf4\ub294 \ubc29\uc2dd\uc774 \ud569\ub9ac\uc801\uc785\ub2c8\ub2e4. \uce74\ub4dc \uacb0\uc81c\uc640 \uc218\uc218\ub8cc \uc804\ubc18\uc744 \ub354 \uc54c\uace0 \uc2f6\ub2e4\uba74 <a href=\"https:\/\/joafinance.com\/?cat=7\">\uacb0\uc81c \uc218\ub2e8\u00b7\uc218\uc218\ub8cc \uac00\uc774\ub4dc<\/a>\uc5d0\uc11c \uad00\ub828 \uae00\uc744 \ud655\uc778\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud53c\uc2f1\u00b7\uc0ac\uae30 \uc8fc\uc758\uc0ac\ud56d (\uc548\uc804\ud558\uac8c \uc774\uc6a9\ud558\uae30)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uce74\ub4dc\ud3ec\uc778\ud2b8 \ud1b5\ud569\uc870\ud68c\ub97c \uc0ac\uce6d\ud55c \ud53c\uc2f1 \uc2dc\ub3c4\uac00 \uc788\uc73c\ubbc0\ub85c \uc548\uc804 \uc218\uce59\uc744 \ubc18\ub4dc\uc2dc \uae30\uc5b5\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uae08\uc735\uc704\uc6d0\ud68c\ub294 \uc815\ubd80\ub098 \uae08\uc735\uae30\uad00\uc774 \ud3ec\uc778\ud2b8 \uc785\uae08\uc744 \uba85\ubaa9\uc73c\ub85c \uc218\uc218\ub8cc\ub098 \uce74\ub4dc \ube44\ubc00\ubc88\ud638, CVC \uc815\ubcf4 \ub4f1\uc744 \uc694\uad6c\ud558\ub294 \uc77c\uc740 \uc808\ub300 \uc5c6\ub2e4\uace0 \uc548\ub0b4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub530\ub77c\uc11c \ubb38\uc790\ub098 \uba54\uc2e0\uc800\ub85c \ubc1b\uc740 \ub9c1\ud06c\uac00 \uc544\ub2c8\ub77c \uacf5\uc2dd \ud648\ud398\uc774\uc9c0\uc640 \uacf5\uc2dd \uc571\uc744 \ud1b5\ud574\uc11c\ub9cc \uc811\uc18d\ud574\uc57c \ud558\uba70, \uacc4\uc88c \uc815\ubcf4 \uc678\uc5d0 \ube44\ubc00\ubc88\ud638\ub098 \uce74\ub4dc \ub4b7\uba74 \ubc88\ud638\ub97c \ubb3b\ub294 \ud654\uba74\uc774 \ub098\uc628\ub2e4\uba74 \uc989\uc2dc \uc774\uc6a9\uc744 \uc911\ub2e8\ud558\ub294 \uac83\uc774 \uc548\uc804\ud569\ub2c8\ub2e4. \ud574\uc678\uc5d0\uc11c \uce74\ub4dc\ub97c \uc790\uc8fc \uc4f0\ub294 \ubd84\uc774\ub77c\uba74 <a href=\"https:\/\/joafinance.com\/?p=181\">\uc2e0\ud55c\uce74\ub4dc \ud574\uc678\uacb0\uc81c \ucc28\ub2e8 \ud574\uc81c\uc640 \uc6d0\ud654\uacb0\uc81c \uc8fc\uc758\uc0ac\ud56d<\/a>\ub3c4 \ud568\uaed8 \ud655\uc778\ud574 \uacb0\uc81c \ubcf4\uc548\uc744 \ucc59\uaca8 \ub450\uba74 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ub9c8\ubb34\ub9ac \u2013 \uce74\ub4dc\ud3ec\uc778\ud2b8 \ud1b5\ud569\uc870\ud68c\ub85c \uc228\uc740 \ud3ec\uc778\ud2b8 \ucc59\uae30\uae30<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uce74\ub4dc\ud3ec\uc778\ud2b8 \ud1b5\ud569\uc870\ud68c\ub294 \uc5ec\ub7ec \uce74\ub4dc\uc0ac\uc5d0 \ud769\uc5b4\uc9c4 \ud3ec\uc778\ud2b8\ub97c \ubb34\ub8cc\ub85c \ud55c \ubc88\uc5d0 \ud655\uc778\ud558\uace0, \uacc4\uc88c\uc785\uae08 \uc2e0\uccad\uc73c\ub85c \uc190\uc27d\uac8c \ud604\uae08\ud654\ud560 \uc218 \uc788\ub294 \uc11c\ube44\uc2a4\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc720\ud6a8\uae30\uac04\uc774 \uc9c0\ub098\uba74 \uc0ac\ub77c\uc9c0\ub294 \ud3ec\uc778\ud2b8\uc778 \ub9cc\ud07c, \uc624\ub298 \uacf5\uc2dd \ucc44\ub110\uc5d0\uc11c \uc794\uc5ec \ud3ec\uc778\ud2b8\ub97c \uc870\ud68c\ud558\uace0 \uc18c\uba78\uc608\uc815 \ub0b4\uc5ed\ubd80\ud130 \uc815\ub9ac\ud574 \ub450\uc2dc\uae38 \uad8c\ud569\ub2c8\ub2e4. \uc791\uc740 \uae08\uc561\uc774\ub77c\ub3c4 \ucc59\uaca8 \ub450\uba74 \uadf8\ub9cc\ud07c \uc2e4\uc18d \uc788\ub294 \uc790\uc0b0 \uad00\ub9ac\uac00 \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\ubcf8 \uae00\uc740 \uce74\ub4dc\ud3ec\uc778\ud2b8 \ud1b5\ud569\uc870\ud68c \uc11c\ube44\uc2a4\uc5d0 \ub300\ud55c \uc815\ubcf4 \uc81c\uacf5\uc744 \ubaa9\uc801\uc73c\ub85c \ud558\uba70, \ud2b9\uc815 \uc0c1\ud488\uc758 \uac00\uc785\uc774\ub098 \uad6c\ub9e4\ub97c \uad8c\uc720\ud558\uac70\ub098 \ud22c\uc790\u00b7\uae08\uc735 \uc790\ubb38\uc744 \uc81c\uacf5\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ud3ec\uc778\ud2b8 \ud604\uae08\ud654 \uac00\ub2a5 \uc5ec\ubd80, \uacc4\uc88c\uc785\uae08 \uae08\uc561\uacfc \ucc98\ub9ac \uc2dc\uc810, \uc18c\uba78\uc608\uc815 \ud3ec\uc778\ud2b8, \ucc38\uc5ec \uce74\ub4dc\uc0ac \ubc94\uc704 \ub4f1\uc740 \uce74\ub4dc\uc0ac \uc57d\uad00\uacfc \uc5ec\uc2e0\uae08\uc735\ud611\ud68c \uc6b4\uc601 \uae30\uc900\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc73c\ubbc0\ub85c, \ucd5c\uc885 \ud655\uc778\uc740 \uacf5\uc2dd \ucc44\ub110\uc5d0\uc11c \uc9c4\ud589\ud574 \uc8fc\uc138\uc694. \ucc38\uace0: <a href=\"https:\/\/www.cardpoint.or.kr\/\" target=\"_blank\" rel=\"noopener\">\uc5ec\uc2e0\uae08\uc735\ud611\ud68c \uce74\ub4dc\ud3ec\uc778\ud2b8 \ud1b5\ud569\uc870\ud68c<\/a>, <a href=\"https:\/\/www.fsc.go.kr\/\" target=\"_blank\" rel=\"noopener\">\uae08\uc735\uc704\uc6d0\ud68c<\/a>, <a href=\"https:\/\/fine.fss.or.kr\/\" target=\"_blank\" rel=\"noopener\">\uae08\uc735\uac10\ub3c5\uc6d0 \ud30c\uc778<\/a>.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uce74\ub4dc\ud3ec\uc778\ud2b8 \ud1b5\ud569\uc870\ud68c\ub294 \uc5ec\ub7ec \uce74\ub4dc\uc0ac\uc5d0 \ud769\uc5b4\uc9c4 \ud3ec\uc778\ud2b8\ub97c \ud55c \ubc88\uc5d0 \ud655\uc778\ud558\uace0 \ud604\uae08\uc73c\ub85c \ubc14\uafc0 \uc218 \uc788\ub294 \ubb34\ub8cc \uc11c\ube44\uc2a4\uc785\ub2c8\ub2e4. \uc5ec\uc2e0\uae08\uc735\ud611\ud68c\uac00 \uc6b4\uc601\ud558\uba70, \ud648\ud398\uc774\uc9c0\ub098 \uc571\uc5d0\uc11c \ubcf8\uc778 \uc778\uc99d\ub9cc \uac70\uce58\uba74 \ub204\uad6c\ub098 \uc774\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc870\ud68c\ud55c \ud3ec\uc778\ud2b8\ub294 \uacc4\uc88c\uc785\uae08 \uc2e0\uccad\uc744 \ud1b5\ud574 1\uc6d0 \ub2e8\uc704\ub85c \ud604\uae08\ud654\ub418\ubbc0\ub85c, \uc78a\uace0 \uc788\ub358 \uc18c\uc561 \uc790\uc0b0\uc744 \uc190\uc27d\uac8c \ub418\ucc3e\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud55c\ub208\uc5d0 \ubcf4\uae30 \uce74\ub4dc\ud3ec\uc778\ud2b8 \ud1b5\ud569\uc870\ud68c \ud575\uc2ec \uc694\uc57d \uc6b4\uc601\uae30\uad00 \uc5ec\uc2e0\uae08\uc735\ud611\ud68c(CREFIA) \uc774\uc6a9 \ube44\uc6a9 \ubb34\ub8cc (\uc870\ud68c\u00b7\uacc4\uc88c\uc785\uae08 \uc218\uc218\ub8cc [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1074,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"swell_btn_cv_data":"","footnotes":""},"categories":[7],"tags":[],"class_list":["post-1073","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-payment-methods-fees"],"_links":{"self":[{"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/posts\/1073","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1073"}],"version-history":[{"count":3,"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/posts\/1073\/revisions"}],"predecessor-version":[{"id":1081,"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/posts\/1073\/revisions\/1081"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/media\/1074"}],"wp:attachment":[{"href":"https:\/\/joafinance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1073"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1073"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1073"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}