{"id":347,"date":"2025-11-18T16:32:25","date_gmt":"2025-11-18T07:32:25","guid":{"rendered":"https:\/\/joafinance.com\/?p=347"},"modified":"2026-03-24T23:52:58","modified_gmt":"2026-03-24T14:52:58","slug":"%ec%a4%91%ec%86%8c%ea%b8%b0%ec%97%85-%ec%9e%ac%ec%a7%81%ec%9e%90-%ec%9a%b0%eb%8c%80-%ec%a0%80%ec%b6%95%ea%b3%b5%ec%a0%9c-%ec%b4%9d%ec%a0%95%eb%a6%ac-%ec%86%8c%eb%93%9d%ec%84%b8-%ea%b0%90","status":"publish","type":"post","link":"https:\/\/joafinance.com\/?p=347","title":{"rendered":"\uc911\uc18c\uae30\uc5c5 \uc7ac\uc9c1\uc790 \uc6b0\ub300 \uc800\ucd95\uacf5\uc81c \ucd1d\uc815\ub9ac \u2013 \uc18c\ub4dd\uc138 \uac10\uba74\u00b7\uccad\ub144 \uc804\uc138\ub300\ucd9c \ud61c\ud0dd\uae4c\uc9c0"},"content":{"rendered":"\n<p>\uc911\uc18c\uae30\uc5c5\uc5d0\uc11c \uc131\uc2e4\ud558\uac8c \uc77c\ud558\ub294 \uc7ac\uc9c1\uc790\uc5d0\uac8c \uc2e4\uc9c8\uc801\uc778 \ubaa9\ub3c8 \ub9c8\ub828\uacfc \uc8fc\uac70 \uc548\uc815\uc744 \uc9c0\uc6d0\ud558\ub294 \uc815\ucc45\uc740 \ud544\uc218\uc801\uc778 \ubcf5\uc9c0 \ud61c\ud0dd\uc785\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\ud2b9\ud788 \uae30\uc5c5, \uc7ac\uc9c1\uc790, \uc815\ubd80\uac00 \ud568\uaed8 \uc800\ucd95\ud558\uc5ec \uadfc\ub85c\uc790\uc758 \uc7a5\uae30 \uc7ac\uc9c1\uc744 \uc720\ub3c4\ud558\uace0 \uc790\uc0b0 \ud615\uc131\uc744 \ub3d5\ub294 \uc911\uc18c\uae30\uc5c5 \uc7ac\uc9c1\uc790 \uc6b0\ub300 \uc800\ucd95\uacf5\uc81c\ub294 \ub2e8\uc5f0 \ud575\uc2ec \uc81c\ub3c4\uc778\ub370\uc694.&nbsp;<\/p>\n\n\n\n<p>\uc774 \uacf5\uc81c\ub294 \ub192\uc740 \uc218\uc775\ub960\uacfc \uc911\uc18c\uae30\uc5c5 \uc18c\ub4dd\uc138 \uac10\uba74 \uc5f0\uacc4 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\uba70 \uc7ac\ud14c\ud06c \ud544\uc218 \ucf54\uc2a4\uac00 \ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\ubcf8\ubb38\uc5d0\uc11c\ub294 \ubcf5\uc7a1\ud558\uac8c \ub290\uaef4\uc9c0\ub358 \uc815\ubd80 \uc9c0\uc6d0 \uc815\ucc45\ub4e4\uc744 \uc0c1\uc138\ud788 \ubd84\uc11d\ud558\uc5ec \uc2e4\uc9c8\uc801\uc778 \uc911\uc18c\uae30\uc5c5 \uc18c\ub4dd\uc138 \uac10\uba74\uacfc \uccad\ub144 \ubc84\ud300\ubaa9 \uc804\uc138\ub300\ucd9c \ub4f1\uc758 \ud61c\ud0dd\uc744 \uc9c0\uae08 \ubc14\ub85c \ucd5c\ub300\uce58\ub85c \ub204\ub9b4 \uc218 \uc788\ub3c4\ub85d \uc54c\uae30 \uc27d\uac8c \uc815\ub9ac\ud574 \ubcf4\uc558\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\uc911\uc18c\uae30\uc5c5 \uc7ac\uc9c1\uc790 \uc6b0\ub300 \uc800\ucd95\uacf5\uc81c\uc758 \uad6c\uc870\uc640 \ud575\uc2ec \ud61c\ud0dd<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"434\" src=\"https:\/\/joafinance.com\/wp-content\/uploads\/2025\/11\/image-11-1024x434.png\" alt=\"\" class=\"wp-image-348\" srcset=\"https:\/\/joafinance.com\/wp-content\/uploads\/2025\/11\/image-11-1024x434.png 1024w, https:\/\/joafinance.com\/wp-content\/uploads\/2025\/11\/image-11-300x127.png 300w, https:\/\/joafinance.com\/wp-content\/uploads\/2025\/11\/image-11-768x325.png 768w, https:\/\/joafinance.com\/wp-content\/uploads\/2025\/11\/image-11-1536x651.png 1536w, https:\/\/joafinance.com\/wp-content\/uploads\/2025\/11\/image-11.png 1551w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\ucd9c\ucc98 : <a href=\"https:\/\/www.sbcplan.or.kr\/page.do?mCode=B410010000\" target=\"_blank\" rel=\"noopener\">\ub0b4\uc77c\ucc44\uc6c0\uacf5\uc81c<\/a><\/p>\n\n\n\n<p>\uc911\uc18c\uae30\uc5c5 \uc7ac\uc9c1\uc790 \uc6b0\ub300 \uc800\ucd95\uacf5\uc81c\ub294 \uc7ac\uc9c1\uc790 \ub0a9\uc785\uc561\uc758 20%\ub97c \uae30\uc5c5\uc774 \uc9c0\uc6d0\ud558\uace0 \uc740\ud589\uc774 \uc6b0\ub300\uae08\ub9ac\ub97c \ub354\ud574\uc8fc\ub294 3\uc790 \ud611\ub825 \uad6c\uc870\uc785\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uc774 \uc81c\ub3c4\ub294 \uc911\uc18c\uae30\uc5c5 \ud575\uc2ec \uc778\ub825\uc758 \uc7a5\uae30 \uc7ac\uc9c1\uacfc \uc790\uc0b0 \ud615\uc131\uc744 \ubaa9\uc801\uc73c\ub85c \ud558\ub294\ub370\uc694.&nbsp;<\/p>\n\n\n\n<p>\uc7ac\uc9c1\uc790\ub294 \uc6d4 \ucd5c\uc18c 10\ub9cc \uc6d0\uc5d0\uc11c \ucd5c\ub300 50\ub9cc \uc6d0\uae4c\uc9c0 \ub0a9\uc785\ud560 \uc218 \uc788\uc73c\uba70, \ub9cc\uae30\ub294 \ucd1d 5\ub144\uc785\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uc774 \uacf5\uc81c\ub97c \ud1b5\ud574 5\ub144\uac04 \uc7ac\uc9c1\uc790\uac00 \ucd1d 3\ucc9c\ub9cc \uc6d0(\uc6d4 50\ub9cc \uc6d0 \uae30\uc900)\uc744 \ub0a9\uc785\ud560 \uacbd\uc6b0, \uae30\uc5c5 \uc9c0\uc6d0\uae08\uacfc \uc774\uc790\ub97c \ub354\ud574 \uc57d 4,027\ub9cc \uc6d0(2024\ub144 4\ubd84\uae30 \uae30\uc900)\uc744 \uc218\ub839\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uc774\ub294 \uc7ac\uc9c1\uc790 \ubcf8\uc778 \ub0a9\uc785\uae08 \ub300\ube44 \uc57d 134%\uc5d0 \ub2ec\ud558\ub294 \uace0\uc218\uc775\ub960\uc785\ub2c8\ub2e4. \uc77c\ubc18\uc801\uc778 \uc608,\uc801\uae08 \uc5d0\uc11c\ub294 \ub098\uc62c \uc218 \uc5c6\ub294 \ud070 \uc218\uc775\ub960\uc774\ub77c\uace0 \ubcfc \uc218 \uc788\uc8e0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\uae30\uc5c5 \uc9c0\uc6d0\uae08\uc5d0 \ub300\ud55c \ud30c\uaca9\uc801\uc778 \uc911\uc18c\uae30\uc5c5 \uc18c\ub4dd\uc138 \uac10\uba74 \ud61c\ud0dd<\/strong><\/h3>\n\n\n\n<p>\uc911\uc18c\uae30\uc5c5 \uc7ac\uc9c1\uc790 \uc6b0\ub300 \uc800\ucd95\uacf5\uc81c\uc758 \uc9c0\ub098\uce60 \uc218 \uc5c6\ub294 \ub9e4\ub825 \uc911 \ud558\ub098\ub294 \ub9cc\uae30 \uc2dc \uc9c0\uae09\ub418\ub294 \uae30\uc5c5 \uc9c0\uc6d0\uae08\uc5d0 \ub300\ud55c \uc911\uc18c\uae30\uc5c5 \uc18c\ub4dd\uc138 \uac10\uba74\uc785\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\ub9cc\uae30 \uc2dc \uae30\uc5c5 \uc9c0\uc6d0\uae08\uc740 \uadfc\ub85c\uc18c\ub4dd\uc73c\ub85c \uac04\uc8fc\ub418\uc9c0\ub9cc, \uc77c\ubc18 \uc7ac\uc9c1\uc790\ub294 50%, \uccad\ub144 \uadfc\ub85c\uc790\ub294 \ubb34\ub824 90%\uc758 \uc18c\ub4dd\uc138 \uac10\uba74\uc744 \ubc1b\uac8c \ub429\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uc774 \ud61c\ud0dd\uc740 \uc77c\ubc18 \uc800\ucd95 \uc0c1\ud488\uacfc \ube44\uad50\ud560 \uc218 \uc5c6\ub294 \uc555\ub3c4\uc801\uc778 \uc138\ud6c4 \uc218\uc775\ub960\uc744 \ubcf4\uc7a5\ud569\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\uae30\uc5c5 \uce21\uba74\uc5d0\uc11c\ub3c4 \uc7ac\uc9c1\uc790\uc5d0\uac8c \uc9c0\uc6d0\ud55c \ub0a9\uc785\uae08 \uc804\uc561\uc744 \ube44\uc6a9(\uc190\uae08)\uc73c\ub85c \uc778\uc815\ubc1b\uc73c\uba70, \uc5f0\uad6c\u00b7\uc778\ub825 \uac1c\ubc1c\ube44 \uc138\uc561\uacf5\uc81c(\ubc95\uc778\uc138 \ucd5c\ub300 25%)\ub97c \uc801\uc6a9\ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uacb0\uacfc\uc801\uc73c\ub85c \uae30\uc5c5\uacfc \uc7ac\uc9c1\uc790 \ubaa8\ub450\uc5d0\uac8c \uacbd\uc81c\uc801 \uc774\ub4dd\uc744 \uc81c\uacf5\ud558\ub294 \uc708\uc708 \uad6c\uc870\uc785\ub2c8\ub2e4. \uc911\uc18c\uae30\uc5c5 \uc7ac\uc9c1\uc790\uc640 \ud574\ub2f9 \uae30\uc5c5\uc5d0\ub9cc \ub098\ub77c\uac00 \ud569\ubc95\uc801\uc73c\ub85c \uc81c\uacf5\ud558\ub294 \ud2b9\ubcc4 \ud61c\ud0dd\uc774\ub77c\uace0 \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\uc77c\ubc18 \uadfc\ub85c\uc18c\ub4dd\uc5d0 \ub300\ud55c \uc911\uc18c\uae30\uc5c5 \uc18c\ub4dd\uc138 \uac10\uba74 \uc81c\ub3c4 \uc0c1\uc138<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"560\" height=\"560\" src=\"https:\/\/joafinance.com\/wp-content\/uploads\/2025\/11\/image-12.jpg\" alt=\"\" class=\"wp-image-349\" srcset=\"https:\/\/joafinance.com\/wp-content\/uploads\/2025\/11\/image-12.jpg 560w, https:\/\/joafinance.com\/wp-content\/uploads\/2025\/11\/image-12-300x300.jpg 300w, https:\/\/joafinance.com\/wp-content\/uploads\/2025\/11\/image-12-150x150.jpg 150w\" sizes=\"(max-width: 560px) 100vw, 560px\" \/><\/figure>\n\n\n\n<p>\ucd9c\ucc98 : <a href=\"https:\/\/www.korea.kr\/multi\/visualNewsView.do?newsId=148863407\" target=\"_blank\" rel=\"noopener\">\ub300\ud55c\ubbfc\uad6d \uc815\ucc45\ube0c\ub9ac\ud551<\/a><\/p>\n\n\n\n<p>\u2018\uc911\uc18c\uae30\uc5c5 \uc18c\ub4dd\uc138 \uac10\uba74 \uc81c\ub3c4\u2019\ub294 \uc704\uc5d0\uc11c \uc5b8\uae09\ud55c \uc800\ucd95\uacf5\uc81c\uc640\ub294 \ubcc4\uac1c\ub85c, \uc911\uc18c\uae30\uc5c5\uc5d0 \ucde8\uc5c5\ud55c \uadfc\ub85c\uc790\uc5d0\uac8c \uadfc\ub85c\uc18c\ub4dd\uc138\ub97c \uac10\uba74\ud574\uc8fc\ub294 \ud575\uc2ec \uc138\uc81c \uc9c0\uc6d0\ucc45\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\uc774 \uc81c\ub3c4\ub294 \uccad\ub144, \uace0\ub839\uc790(\ub9cc 60\uc138 \uc774\uc0c1), \uc7a5\uc560\uc778, \uacbd\ub825\ub2e8\uc808 \uc5ec\uc131 \ub4f1 \ud2b9\uc815 \ub300\uc0c1\uc790\uac00 \uc911\uc18c\uae30\uc5c5\uc5d0 \ucde8\uc5c5\ud560 \uacbd\uc6b0 \uc801\uc6a9\ub429\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\ud2b9\ud788 \uccad\ub144\uce35\uc5d0\uac8c\ub294 \ucde8\uc5c5\ud55c \ub0a0\ub85c\ubd80\ud130 5\ub144\uac04 \ucd5c\ub300 90%\uc758 \uadfc\ub85c\uc18c\ub4dd\uc138 \uac10\uba74(\uc5f0\uac04 200\ub9cc \uc6d0 \ud55c\ub3c4)\uc774\ub77c\ub294 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\uc774\ub294 \uc5f0\ub9d0\uc815\uc0b0 \uc2dc \ub9c9\ub300\ud55c \uae08\uc561\uc744 \ud658\uae09\ubc1b\uc744 \uc218 \uc788\ub294 \uae30\ud68c\uc774\ubbc0\ub85c, \uc911\uc18c\uae30\uc5c5 \uc7ac\uc9c1 \uccad\ub144\uc774\ub77c\uba74 \ubc18\ub4dc\uc2dc \ucc59\uaca8\uc57c \ud560 \ud544\uc218 \ud61c\ud0dd\uc785\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\ud604\uc7ac \uc774 \uc81c\ub3c4\uc758 \ud61c\ud0dd \uc885\ub8cc \uc2dc\uc810\uc740 2026\ub144\uae4c\uc9c0 \uc5f0\uc7a5\ub418\uc5b4 \ub354 \ub9ce\uc740 \uadfc\ub85c\uc790\uac00 \ud61c\ud0dd\uc744 \ub204\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc774 \uac10\uba74 \uc2e0\uccad\uc740 \ucde8\uc5c5\uc77c\uc774 \uc18d\ud558\ub294 \ub2ec\uc758 \ub2e4\uc74c \ub2ec \ub9d0\uc77c\uae4c\uc9c0 \ud68c\uc0ac\uc5d0 \uc2e0\uccad\ud574\uc57c \ud558\uba70, \uae30\ud55c\uc744 \ub193\uce58\uc9c0 \uc54a\ub3c4\ub85d \uc8fc\uc758\ud574\uc57c \ud569\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\ub2a6\uc5b4\ub3c4 \uacbd\uc815\uccad\uad6c\ub97c \ud1b5\ud574 \uc18c\uae09 \uc801\uc6a9\uc774 \uac00\ub2a5\ud558\uc9c0\ub9cc, \ud68c\uc0ac\uc5d0 \uc694\uccad\ud558\uc5ec \uc5f0\ub9d0\uc815\uc0b0 \ub54c \ud55c \ubc88\uc5d0 \ubc18\uc601\ud558\ub294 \uac83\uc774 \uac00\uc7a5 \uac04\ud3b8\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\uccad\ub144 \uc5f0\ub839 \uae30\uc900 \ubc0f 5\ub144 90% \uac10\uba74 \uc870\uac74<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"498\" src=\"https:\/\/joafinance.com\/wp-content\/uploads\/2025\/11\/image-13-1024x498.png\" alt=\"\" class=\"wp-image-350\" srcset=\"https:\/\/joafinance.com\/wp-content\/uploads\/2025\/11\/image-13-1024x498.png 1024w, https:\/\/joafinance.com\/wp-content\/uploads\/2025\/11\/image-13-300x146.png 300w, https:\/\/joafinance.com\/wp-content\/uploads\/2025\/11\/image-13-768x373.png 768w, https:\/\/joafinance.com\/wp-content\/uploads\/2025\/11\/image-13-1536x747.png 1536w, https:\/\/joafinance.com\/wp-content\/uploads\/2025\/11\/image-13.png 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\ucd9c\ucc98 : <a href=\"https:\/\/shiftee.io\/ko\/blog\/article\/smb-employee-income-tax-reduction-system\" target=\"_blank\" rel=\"noopener\">Shiftee<\/a><\/p>\n\n\n\n<p>\uc911\uc18c\uae30\uc5c5 \uc18c\ub4dd\uc138 \uac10\uba74 \uc81c\ub3c4\uc758 \uccad\ub144 \uae30\uc900\uc740 \uadfc\ub85c\uacc4\uc57d \uccb4\uacb0\uc77c \ud604\uc7ac \ub9cc 15\uc138 \uc774\uc0c1 34\uc138 \uc774\ud558\uc778 \uc790\uc785\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uc5ec\uae30\uc11c \ud575\uc2ec\uc740 \ubcd1\uc5ed\uc744 \uc774\ud589\ud55c \uacbd\uc6b0 \uadf8 \uae30\uac04(\ucd5c\ub300 6\ub144 \ud55c\ub3c4)\uc744 \uc2e4\uc81c \uc5f0\ub839\uc5d0\uc11c \ucc28\uac10\ud558\uc5ec \uc5f0\ub839\uc744 \uacc4\uc0b0\ud55c\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uc608\ub97c \ub4e4\uc5b4 \uad70 \ubcf5\ubb34 \uae30\uac04\uc774 2\ub144\uc778 \uacbd\uc6b0, \ub9cc 36\uc138\uc5d0 \ucde8\uc5c5\ud588\ub354\ub77c\ub3c4 \ub9cc 34\uc138\ub85c \uac04\uc8fc\ub418\uc5b4 \uac10\uba74 \ub300\uc0c1\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uc774\ucc98\ub7fc \uad6d\uac00\uac00 \uc778\uc815\ud558\ub294 \ubcd1\uc5ed \uc774\ud589 \uae30\uac04\ub9cc\ud07c \ud61c\ud0dd\uc744 \ub354 \ubc1b\uc744 \uc218 \uc788\ub2e4\ub294 \uc810\uc740 \uc81c\ub3c4\uc758 \uc911\uc694\ud55c \uc7a5\uc810\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub610\ud55c, \uac10\uba74 \uae30\uac04\uc740 \ucd5c\ucd08 \ucde8\uc5c5\uc77c\ub85c\ubd80\ud130 5\ub144\uac04\uc774\uba70, \uac10\uba74\uc728\uc740 90%\uc785\ub2c8\ub2e4. \uc5f0\uac04 \uac10\uba74 \ud55c\ub3c4\ub294 2023\ub144 \ucde8\uc5c5\uc790\ubd80\ud130 200\ub9cc \uc6d0\uc73c\ub85c \uc0c1\ud5a5\ub418\uc5c8\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\ud61c\ud0dd\uc744 \ubc1b\uc73c\ub824\uba74 \ucde8\uc5c5\uc77c\uc774 \uc18d\ud558\ub294 \ub2ec\uc758 \ub2e4\uc74c \ub2ec \ub9d0\uc77c\uae4c\uc9c0 &#8216;\uc911\uc18c\uae30\uc5c5 \ucde8\uc5c5\uc790 \uc18c\ub4dd\uc138 \uac10\uba74 \uc2e0\uccad\uc11c&#8217;\ub97c \ud68c\uc0ac\uc5d0 \uc81c\ucd9c\ud574\uc57c \ud569\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uc774\uc9c1\ud574\ub3c4 \uac10\uba74 \uae30\uac04\uc740 \ucd5c\ucd08 \ucde8\uc5c5\uc77c \uae30\uc900\uc73c\ub85c 5\ub144\uac04 \uc801\uc6a9\ub418\ub2c8, \uc774\uc9c1\ud55c \ud68c\uc0ac\uc5d0 \uc7ac\uc2e0\uccad\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\uc8fc\uac70 \uc548\uc815 \ud575\uc2ec \ud61c\ud0dd, \uccad\ub144 \ubc84\ud300\ubaa9 \uc804\uc138\ub300\ucd9c \ud1b5\ud569 \uc6b4\uc601<\/strong><\/h2>\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=\"\uc9c1\uc811 \ud574\ubcf4\uace0 \uc54c\ub824\uc8fc\ub294 \uc911\uc18c\uae30\uc5c5 \uccad\ub144\uc804\uc138\uc790\uae08\ub300\ucd9c\ud83c\udfe0 | \uc900\ube44\uacfc\uc815\ubd80\ud130 \uc2e4\ud589\uae4c\uc9c0 | \uc5f4\uace0\ub2eb\uae30\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/bPf564rK-6s?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>\ucd9c\ucc98 : <a href=\"https:\/\/youtu.be\/bPf564rK-6s?si=QRp18LrJo5TTbD1J\" target=\"_blank\" rel=\"noopener\">\uc5f4\uace0\ub2eb\uae30 OPCL<\/a><\/p>\n\n\n\n<p>\ubaa9\ub3c8 \ub9c8\ub828\uacfc \uc18c\ub4dd\uc138 \uac10\uba74 \uc678\uc5d0, \uc911\uc18c\uae30\uc5c5 \uc7ac\uc9c1 \uccad\ub144\uc774 \ub204\ub9b4 \uc218 \uc788\ub294 \uac00\uc7a5 \uc911\uc694\ud55c \ud61c\ud0dd\uc740 \uc8fc\uac70 \uc548\uc815\uc744 \uc704\ud55c \uc804\uc138\uc790\uae08 \ub300\ucd9c\uc785\ub2c8\ub2e4. <\/p>\n\n\n\n<p>2025\ub144\ubd80\ud130 \uae30\uc874\uc758 &#8216;\uc911\uc18c\uae30\uc5c5 \uccad\ub144 \uc804\uc138\ub300\ucd9c&#8217;\uc740 &#8216;\uccad\ub144 \ubc84\ud300\ubaa9 \uc804\uc138\ub300\ucd9c&#8217;\ub85c \uc644\uc804\ud788 \ud1b5\ud569\ub418\uc5b4 \ub354 \ub113\uc740 \ubc94\uc704\uc758 \uccad\ub144\uce35\uc5d0\uac8c \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\uc774 \ud1b5\ud569 \ub300\ucd9c\uc740 \uc911\uc18c\u00b7\uc911\uacac\uae30\uc5c5 \uc7ac\uc9c1\uc790\ub97c \ube44\ub86f\ud55c \uccad\ub144\ub4e4\uc744 \uc704\ud574 \uc8fc\ud0dd\ub3c4\uc2dc\uae30\uae08\uc774 \ubcf4\uc99d\uae08\uc744 \ub300\ucd9c\ud574 \uc8fc\ub294 \uc81c\ub3c4\ub85c, \uc5f0 \uc18c\ub4dd \ubc0f \ubcf4\uc99d\uae08\uc5d0 \ub530\ub77c \ucd5c\uc800 \uc5f0 2.0%\ubd80\ud130 \uc2dc\uc791\ud558\ub294 \ucd08\uc800\uae08\ub9ac\uac00 \ud575\uc2ec\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\ub300\ucd9c \ud55c\ub3c4\ub294 \ucd5c\ub300 2\uc5b5 \uc6d0 \uc774\ub0b4\uc774\uba70, \uae30\uac04\uc740 \ucd5c\ucd08 2\ub144(\ucd5c\uc7a5 10\ub144)\uae4c\uc9c0 \uc774\uc6a9 \uac00\ub2a5\ud569\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uae08\ub9ac \ubd80\ub2f4\uc73c\ub85c \uc5b4\ub824\uc6c0\uc744 \uacaa\ub294 \uccad\ub144\ub4e4\uc5d0\uac8c \uc8fc\uac70 \ub3c5\ub9bd\uc744 \uc704\ud55c \uc2e4\uc9c8\uc801\uc778 \ubc1c\ud310\uc744 \uc81c\uacf5\ud558\uba70, \uc911\uc18c\uae30\uc5c5 \uc7ac\uc9c1\uc790 \uc6b0\ub300 \uc800\ucd95\uacf5\uc81c\uc640 \ud568\uaed8 \uccad\ub144\ub4e4\uc758 \uc7a5\uae30 \uadfc\uc18d\uc744 \uc720\ub3c4\ud558\ub294 \uac15\ub825\ud55c \uc815\ucc45 \uc218\ub2e8\uc73c\ub85c \ud3c9\uac00\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\uccad\ub144 \ubc84\ud300\ubaa9 \uc804\uc138\ub300\ucd9c\uc758 \ub300\uc0c1 \uc870\uac74\uacfc \ud55c\ub3c4<\/strong><\/h3>\n\n\n\n<p>\uccad\ub144 \ubc84\ud300\ubaa9 \uc804\uc138\ub300\ucd9c\uc744 \ubc1b\uae30 \uc704\ud55c \uc8fc\uc694 \ub300\uc0c1 \uc870\uac74\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>\uad6c\ubd84<\/strong><\/td><td><strong>\uc0c1\uc138 \uc870\uac74<\/strong><\/td><\/tr><tr><td><strong>\uc2e0\uccad \ub300\uc0c1<\/strong><\/td><td>\ub300\ucd9c \uc2e0\uccad\uc77c \uae30\uc900 \ub9cc 19\uc138 \uc774\uc0c1 34\uc138 \uc774\ud558\uc758 <strong>\ubb34\uc8fc\ud0dd \uc138\ub300\uc8fc<\/strong><\/td><\/tr><tr><td><strong>\uc7ac\uc9c1 \uc870\uac74<\/strong><\/td><td><strong>\uc911\uc18c\uae30\uc5c5 \uc7ac\uc9c1 \uc5ec\ubd80\uc640 \uad00\uacc4\uc5c6\uc774<\/strong> \uc2e0\uccad \uac00\ub2a5 (\uc9c0\uc6d0 \ub300\uc0c1 \ub300\ud3ed \ud655\ub300)<\/td><\/tr><tr><td><strong>\uc18c\ub4dd \uae30\uc900<\/strong><\/td><td>\ubd80\ubd80 \ud569\uc0b0 \uc5f0\uc18c\ub4dd 5\ucc9c\ub9cc \uc6d0 \uc774\ud558 (\ub2e8\ub3c5 \uc138\ub300\uc8fc 3,500\ub9cc \uc6d0 \uc774\ud558)<\/td><\/tr><tr><td><strong>\uc790\uc0b0 \uae30\uc900<\/strong><\/td><td>\uc21c\uc790\uc0b0\uac00\uc561 3\uc5b5 725\ub9cc \uc6d0 \uc774\ud558<\/td><\/tr><tr><td><strong>\ub300\ucd9c \ud55c\ub3c4<\/strong><\/td><td>\ucd5c\ub300 <strong>2\uc5b5 \uc6d0<\/strong> \uc774\ub0b4 (\uc784\ucc28\ubcf4\uc99d\uae08\uc758 80% \uc774\ub0b4)<\/td><\/tr><tr><td><strong>\ud55c\ub3c4 \uc608\uc678<\/strong><\/td><td>\ub9cc 25\uc138 \ubbf8\ub9cc \ub2e8\ub3c5 \uc138\ub300\uc8fc\ub294 \ucd5c\ub300 <strong>1.5\uc5b5 \uc6d0<\/strong>\uae4c\uc9c0 \uac00\ub2a5<\/td><\/tr><tr><td><strong>\ub300\uc0c1 \uc8fc\ud0dd<\/strong><\/td><td>\uc784\ucc28 \uc804\uc6a9 \uba74\uc801 85\u33a1 \uc774\ud558\uc758 \uc8fc\ud0dd (\uc784\ucc28\ubcf4\uc99d\uae08 <strong>3\uc5b5 \uc6d0 \uc774\ud558<\/strong>\ub85c \uaddc\uc815)<\/td><\/tr><tr><td><strong>\ucd5c\uc800 \uae08\ub9ac<\/strong><\/td><td>\uc6b0\ub300\uae08\ub9ac \uc801\uc6a9 \uc2dc \ucd5c\uc800 <strong>\uc5f0 1.0%<\/strong><\/td><\/tr><tr><td><strong>\uc6b0\ub300 \uae08\ub9ac<\/strong><\/td><td><strong>\uc911\uc18c\uae30\uc5c5 \uc7ac\uc9c1 \uccad\ub144<\/strong>\uc5d0\uac8c <strong>0.3%p<\/strong> \ucd94\uac00 \uc6b0\ub300 \uae08\ub9ac \uc801\uc6a9<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\ub9c8\ubb34\ub9ac&nbsp;<\/strong><\/h2>\n\n\n\n<p>\uc911\uc18c\uae30\uc5c5 \uc7ac\uc9c1\uc790 \uc6b0\ub300 \uc800\ucd95\uacf5\uc81c\ub97c \ube44\ub86f\ud574 \uc911\uc18c\uae30\uc5c5 \uc18c\ub4dd\uc138 \uac10\uba74, \uc911\uc18c\uae30\uc5c5 \uccad\ub144 \uc804\uc138\ub300\ucd9c \ub4f1 \uc815\ubd80\uac00 \uc911\uc18c\uae30\uc5c5 \uadfc\ub85c\uc790\uc5d0\uac8c \uc81c\uacf5\ud558\ub294 \ud61c\ud0dd\uc740 \uc548\uc815\uc801\uc778 \ubbf8\ub798\ub97c \uc124\uacc4\ud560 \uc218 \uc788\ub294 \uac15\ub825\ud55c \uacbd\uc81c\uc801 \ub3c4\uad6c\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\uc774 \ud61c\ud0dd\ub4e4\uc740 \uccad\ub144\ub4e4\uc5d0\uac8c\ub294 \uafc8\uc744 \ud5a5\ud55c \ub514\ub524\ub3cc\uc774, \uae30\uc5c5\uc5d0\uac8c\ub294 \uc6b0\uc218 \uc778\uc7ac\ub97c \ud655\ubcf4\ud558\ub294 \ud544\uc218 \uc218\ub2e8\uc774 \ub429\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\ubcf5\uc7a1\ud558\ub2e4\uace0 \ubbf8\ub8e8\uc9c0 \ub9c8\uc2dc\uace0, \uc624\ub298 \ud655\uc778\ud55c \uc815\ubcf4\ub97c \ubc14\ud0d5\uc73c\ub85c \uc5ec\ub7ec\ubd84\uc758 \uc7ac\uc9c1 \uc870\uac74\uc5d0 \ub9de\ub294 \ud61c\ud0dd\uc744 \uc9c0\uae08 \ubc14\ub85c \uc2e0\uccad\ud558\uc5ec \uacbd\uc81c\uc801\uc778 \uc790\ub9bd \uae30\ubc18\uc744 \ub9c8\ub828\ud558\uc2dc\uae30\ub97c \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n\n\n<div class=\"swell-block-postLink\">\t\t\t<div class=\"p-blogCard -external\" data-type=\"type3\" data-onclick=\"clickLink\">\n\t\t\t\t<div class=\"p-blogCard__inner\">\n\t\t\t\t\t<span class=\"p-blogCard__caption\">\uad00\ub828 \uae30\uc0ac<\/span>\n\t\t\t\t\t<div class=\"p-blogCard__thumb c-postThumb\"><figure class=\"c-postThumb__figure\"><img decoding=\"async\" src=\"https:\/\/joafinance.com\/wp-content\/uploads\/2025\/09\/joafinance.com-G.png\" alt=\"\" class=\"c-postThumb__img u-obf-cover\" width=\"320\" height=\"180\"><\/figure><\/div>\t\t\t\t\t<div class=\"p-blogCard__body\">\n\t\t\t\t\t\t<a class=\"p-blogCard__title\" href=\"https:\/\/joafinance.com\/?p=130\" target=\"_blank\" rel=\"noopener noreferrer\">\ubbfc\uc0dd\ud68c\ubcf5\uc9c0\uc6d0\uae08 \uc0c1\uc704 10 \uae30\uc900 \u2013 \uc804 \uad6d\ubbfc \ubbfc\uc0dd\uc9c0\uc6d0\uae08 \uc2e0\uccad \ubc29\ubc95 &#8211; \uc870\uc544\ud30c\uc774\ub0b8\uc2a4<\/a>\n\t\t\t\t\t\t<span class=\"p-blogCard__excerpt\">\ucd5c\uadfc \uacbd\uae30 \uce68\uccb4\uc640 \ubb3c\uac00 \uc0c1\uc2b9\uc73c\ub85c \uc778\ud574 \uad6d\ubbfc \uc0dd\ud65c \uc548\uc815\uc5d0 \ub300\ud55c \uad00\uc2ec\uc774 \ucee4\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\uc5d0 \uc815\ubd80\ub294 \uc11c\ubbfc \uacbd\uc81c\ub97c \ud65c\uc131\ud654\ud558\uace0 \uc0dd\ud65c\ube44 \ubd80\ub2f4\uc744 \uc904\uc774\uae30 \uc704\ud574 \uc804 \uad6d\ubbfc \ubbfc\uc0dd\uc9c0\uc6d0&#8230;<\/span>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>\uc911\uc18c\uae30\uc5c5\uc5d0\uc11c \uc131\uc2e4\ud558\uac8c \uc77c\ud558\ub294 \uc7ac\uc9c1\uc790\uc5d0\uac8c \uc2e4\uc9c8\uc801\uc778 \ubaa9\ub3c8 \ub9c8\ub828\uacfc \uc8fc\uac70 \uc548\uc815\uc744 \uc9c0\uc6d0\ud558\ub294 \uc815\ucc45\uc740 \ud544\uc218\uc801\uc778 \ubcf5\uc9c0 \ud61c\ud0dd\uc785\ub2c8\ub2e4. \ud2b9\ud788 \uae30\uc5c5, \uc7ac\uc9c1\uc790, \uc815\ubd80\uac00 \ud568\uaed8 \uc800\ucd95\ud558\uc5ec \uadfc\ub85c\uc790\uc758 \uc7a5\uae30 \uc7ac\uc9c1\uc744 \uc720\ub3c4\ud558\uace0 \uc790\uc0b0 \ud615\uc131\uc744 \ub3d5\ub294 \uc911\uc18c\uae30\uc5c5 \uc7ac\uc9c1\uc790 \uc6b0\ub300 \uc800\ucd95\uacf5\uc81c\ub294 \ub2e8\uc5f0 \ud575\uc2ec \uc81c\ub3c4\uc778\ub370\uc694.&nbsp; \uc774 \uacf5\uc81c\ub294 \ub192\uc740 \uc218\uc775\ub960\uacfc \uc911\uc18c\uae30\uc5c5 \uc18c\ub4dd\uc138 \uac10\uba74 \uc5f0\uacc4 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\uba70 \uc7ac\ud14c\ud06c \ud544\uc218 \ucf54\uc2a4\uac00 \ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ubcf8\ubb38\uc5d0\uc11c\ub294 \ubcf5\uc7a1\ud558\uac8c \ub290\uaef4\uc9c0\ub358 \uc815\ubd80 \uc9c0\uc6d0 \uc815\ucc45\ub4e4\uc744 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":352,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"swell_btn_cv_data":"","footnotes":""},"categories":[6],"tags":[],"class_list":["post-347","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-6"],"_links":{"self":[{"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/posts\/347","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=347"}],"version-history":[{"count":2,"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/posts\/347\/revisions"}],"predecessor-version":[{"id":753,"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/posts\/347\/revisions\/753"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/media\/352"}],"wp:attachment":[{"href":"https:\/\/joafinance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=347"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=347"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=347"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}