{"id":536,"date":"2026-01-27T22:28:12","date_gmt":"2026-01-27T13:28:12","guid":{"rendered":"https:\/\/joafinance.com\/?p=536"},"modified":"2026-03-24T23:41:38","modified_gmt":"2026-03-24T14:41:38","slug":"%eb%af%b8%ea%b5%ad-%ec%a3%bc%ec%8b%9d-%ec%8b%9c%ea%b0%84-%ed%95%9c%ea%b5%ad%ec%8b%9c%ea%b0%84-%ea%b8%b0%ec%a4%80-%ec%a0%95%ea%b7%9c%ec%9e%a5%c2%b7%ed%94%84%eb%a6%ac%eb%a7%88%ec%bc%93%c2%b7","status":"publish","type":"post","link":"https:\/\/joafinance.com\/?p=536","title":{"rendered":"\ubbf8\uad6d \uc8fc\uc2dd \uc2dc\uac04 \ud55c\uad6d\uc2dc\uac04 \uae30\uc900 \u2013 \uc815\uaddc\uc7a5\u00b7\ud504\ub9ac\ub9c8\ucf13\u00b7\uc560\ud504\ud130\uc7a5 \ucd1d\uc815\ub9ac"},"content":{"rendered":"\n<p>\ubbf8\uad6d \uc8fc\uc2dd\uc5d0 \ud22c\uc790\ud560 \ub54c \uac00\uc7a5 \uba3c\uc800 \uc815\ub9ac\ud574\uc57c \ud560 \uac1c\ub150\uc740 \ubbf8\uad6d \uc8fc\uc2dd \uc2dc\uac04 \ud55c\uad6d\uc2dc\uac04 \uae30\uc900\uc785\ub2c8\ub2e4. \ubbf8\uad6d \uc99d\uc2dc\ub294 \uc804 \uc138\uacc4 \uae08\uc735\uc2dc\uc7a5\uc758 \uc911\uc2ec\uc5d0 \uc788\uc9c0\ub9cc, \uac70\ub798 \uc2dc\uac04\uc740 \ud55c\uad6d\uacfc \uc815\ubc18\ub300\uc5d0 \uac00\uae5d\uace0 \uc11c\uba38\ud0c0\uc784\uae4c\uc9c0 \uc801\uc6a9\ub3fc \ucd08\ubcf4 \ud22c\uc790\uc790\uc5d0\uac8c \ud63c\ub780\uc744 \uc8fc\uae30 \uc27d\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \ud55c\uad6d \uc2dc\uac01 \uae30\uc900 \ub0ae \uc2dc\uac04\ub300\uc5d0\ub3c4 \ubbf8\uad6d \uc8fc\uc2dd \uac70\ub798\uac00 \uac00\ub2a5\ud574\uc9c0\uba74\uc11c, \uae30\uc874\uc758 \uc2dc\uac04 \uac1c\ub150\uc744 \ub2e4\uc2dc \uc810\uac80\ud574\uc57c \ud560 \ud544\uc694\uc131\uc774 \ucee4\uc84c\ub294\ub370\uc694. \uc774 \uae00\uc5d0\uc11c\ub294 \uc815\uaddc\uc7a5 \uc2dc\uac04, \ud504\ub9ac\ub9c8\ucf13 \uc2dc\uac04, \ubbf8\uad6d \uc560\ud504\ud130\uc7a5 \uc2dc\uac04\uc744 \ud55c\uad6d\uc2dc\uac04 \uae30\uc900\uc73c\ub85c \uc0c1\uc138\ud788 \uc815\ub9ac\ud558\uace0, \uc11c\uba38\ud0c0\uc784 \uc804\ud658 \uc2dc \uc720\uc758\ud560 \uc810\uae4c\uc9c0 \ud568\uaed8 \uc124\uba85\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\ubbf8\uad6d \uc8fc\uc2dd \uc2dc\uc7a5 \uc2dc\uac04 \uad6c\uc870 \uc774\ud574\ud558\uae30<\/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=\"\ubbf8\uad6d\uc8fc\uc2dd \uac70\ub798\uc2dc\uac04 \ucd1d \uc815\ub9ac(\ud504\ub9ac\uc7a5, \uc815\uaddc\uc7a5, \uc560\ud504\ud130\uc7a5) \ubaa8\ub974\uba74 \uc190\ud574 \ubcf4\ub294 \ud22c\uc790 \uc804\ub7b5 \uacf5\uac1c\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/3awBlMdrY3g?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:\/\/www.youtube.com\/watch?v=3awBlMdrY3g\" target=\"_blank\" rel=\"noopener\">\ubc29\uad6c\uc11d\uc6d4\uac00-\ubbf8\uad6d\uc8fc\uc2dd \uacb0\uc744 \uc77d\ub2e4<\/a>)<\/p>\n\n\n\n<p>\ubbf8\uad6d \uc8fc\uc2dd \uc2dc\uc7a5\uc740 \ub2e8\uc77c\ud55c \uac70\ub798 \uc2dc\uac04\ub9cc \uc874\uc7ac\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc815\uaddc\uc7a5 \uc678\uc5d0\ub3c4 \ud504\ub9ac\ub9c8\ucf13\uacfc \uc560\ud504\ud130\ub9c8\ucf13\uc774 \uc6b4\uc601\ub418\uba70, \uac01\uac01\uc758 \uc2dc\uac04\ub300\ub294 \uac70\ub798 \ubaa9\uc801\uacfc \uc131\uaca9\uc774 \ub69c\ub837\ud558\uac8c \uad6c\ubd84\ub418\ub294\ub370, \ub2e8\uae30 \ud2b8\ub808\uc774\ub354\uc640 \uc7a5\uae30 \ud22c\uc790\uc790\uac00 \uc120\ud638\ud558\ub294 \uc2dc\uac04\ub300\uac00 \ub2e4\ub978 \uc774\uc720\ub3c4 \uc5ec\uae30\uc5d0 \uc788\ub294\ub370\uc694. \ubbf8\uad6d \uc8fc\uc2dd\uc5d0 \uc811\uadfc\ud560 \ub54c\ub294 \u201c\uc5b8\uc81c \uc5f4\ub9ac\ub290\ub0d0\u201d\ubcf4\ub2e4, \uc5b4\ub5a4 \uc2dc\uac04\ub300\uc5d0 \uc5b4\ub5a4 \ucc38\uc5ec\uc790\uac00 \uac70\ub798\ud558\ub294\uc9c0\ub97c \uc774\ud574\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ubbf8\uad6d \uc99d\uc2dc\uc758 \uae30\uc900 \uc2dc\uac04\uc740 \ubbf8 \ub3d9\ubd80\uc2dc\uac04(ET, Eastern Time)\uc73c\ub85c, \ub274\uc695\uc99d\uad8c\uac70\ub798\uc18c\uc640 \ub098\uc2a4\ub2e5 \ubaa8\ub450 ET\ub97c \uae30\uc900\uc73c\ub85c \uc6b4\uc601\ub418\uba70, \uc774 \uc2dc\uac04\ub300\ub97c \ud55c\uad6d\uc2dc\uac04\uc73c\ub85c \ubcc0\ud658\ud574 \uc774\ud574\ud574\uc57c \uc2e4\uc81c \ud22c\uc790\uc5d0 \uc801\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubb38\uc81c\ub294 \ubbf8\uad6d\uc774 \uc11c\uba38\ud0c0\uc784(DST)\uc744 \uc801\uc6a9\ud55c\ub2e4\ub294 \uc810\uc778\ub370\uc694. \ubbf8\uad6d\uc740 \ub9e4\ub144 \ubd04\uacfc \uac00\uc744\uc5d0 \uc2dc\uacc4\ub97c 1\uc2dc\uac04 \uc870\uc815\ud558\uba70, \uc774\ub85c \uc778\ud574 \ud55c\uad6d \ud22c\uc790\uc790\uac00 \uccb4\uac10\ud558\ub294 \ubbf8\uad6d \uc8fc\uc2dd \uac70\ub798 \uc2dc\uac04\uc774 \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. \ud55c\uad6d\uc740 \uc11c\uba38\ud0c0\uc784\uc744 \uc801\uc6a9\ud558\uc9c0 \uc54a\uae30 \ub54c\ubb38\uc5d0, \ub3d9\uc77c\ud55c \ubbf8\uad6d \uc815\uaddc\uc7a5\uc774\ub77c\ub3c4 \uacc4\uc808\uc5d0 \ub530\ub77c \uc2dc\uc791 \uc2dc\uac04\uc774 \ub2ec\ub77c\uc9c0\ub294 \uad6c\uc870\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\uc815\uaddc\uc7a5 \uc2dc\uac04 (\uc815\uc2dd \uac70\ub798 \uc2dc\uac04)<\/strong><\/h2>\n\n\n\n<p>\ubbf8\uad6d \uc8fc\uc2dd\uc758 \uc815\uaddc\uc7a5 \uc2dc\uac04\uc740 \uc804 \uc138\uacc4 \ud22c\uc790\uc790\uac00 \uac00\uc7a5 \uc9d1\uc911\ud558\ub294 \ud575\uc2ec \uac70\ub798 \uad6c\uac04\uc778\ub370\uc694. \uc774 \uc2dc\uac04\ub300\uc5d0 \uac70\ub798\ub7c9\uacfc \uc720\ub3d9\uc131\uc774 \uac00\uc7a5 \ud48d\ubd80\ud558\uba70, \ub300\ubd80\ubd84\uc758 \uae30\uad00\ud22c\uc790\uc790\uc640 \ub300\ud615 \uc790\uae08\uc774 \ucc38\uc5ec\ud558\uba70 \ubbf8\uad6d \uc815\uaddc\uc7a5\uc740 \ubbf8 \ub3d9\ubd80\uc2dc\uac04 \uae30\uc900\uc73c\ub85c \uc624\uc804 9\uc2dc 30\ubd84\ubd80\ud130 \uc624\ud6c4 4\uc2dc\uae4c\uc9c0 \uc6b4\uc601\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc774 \uc815\uaddc\uc7a5 \uc2dc\uac04\uc744 \ubbf8\uad6d \uc8fc\uc2dd \uc2dc\uac04 \ud55c\uad6d\uc2dc\uac04 \uae30\uc900\uc73c\ub85c \ubcc0\ud658\ud558\uba74 \uc11c\uba38\ud0c0\uc784 \uc5ec\ubd80\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c0\ub294\ub370, \ubbf8\uad6d\uc774 \uc11c\uba38\ud0c0\uc784\uc744 \uc801\uc6a9\ud558\ub294 \uae30\uac04\uc5d0\ub294 \ud55c\uad6d\uc2dc\uac04\uc73c\ub85c 22\uc2dc 30\ubd84\ubd80\ud130 \ub2e4\uc74c \ub0a0 05\uc2dc\uae4c\uc9c0, \ud45c\uc900\uc2dc \uae30\uac04\uc5d0\ub294 23\uc2dc 30\ubd84\ubd80\ud130 06\uc2dc\uae4c\uc9c0\uc785\ub2c8\ub2e4. \uc989, \uc5ec\ub984\uc5d0\ub294 \ubc24 10\uc2dc \ubc18, \uaca8\uc6b8\uc5d0\ub294 \ubc24 11\uc2dc \ubc18\uc5d0 \uc7a5\uc774 \uc2dc\uc791\ub418\uace0 \uc774 1\uc2dc\uac04 \ucc28\uc774\ub294 \uc790\ub3d9\ub9e4\ub9e4 \uc124\uc815\uc774\ub098 \uc608\uc57d \uc8fc\ubb38\uc744 \uc0ac\uc6a9\ud558\ub294 \ud22c\uc790\uc790\uc5d0\uac8c \ud2b9\ud788 \uc911\uc694\ud55c\ub370\uc694.<\/p>\n\n\n\n<p>\uc815\uaddc\uc7a5\uc740 \uae30\uc5c5 \uacf5\uc2dc, \uacbd\uc81c\uc9c0\ud45c \ubc1c\ud45c, \uc5f0\uc900 \ubc1c\uc5b8 \ub4f1 \ub300\ubd80\ubd84\uc758 \uc8fc\uc694 \uc774\ubca4\ud2b8\uac00 \ubc18\uc601\ub418\ub294 \uc2dc\uac04\ub300\uc774\uae30 \ub54c\ubb38\uc5d0, \uc548\uc815\uc801\uc778 \uccb4\uacb0\uacfc \uc608\uce21 \uac00\ub2a5\ud55c \ud750\ub984\uc744 \uc120\ud638\ud558\ub294 \ud22c\uc790\uc790\uc5d0\uac8c \uc801\ud569\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\ud504\ub9ac\ub9c8\ucf13 \uc2dc\uac04 (\uc815\uaddc\uc7a5 \uc774\uc804 \uac70\ub798)<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"385\" src=\"https:\/\/joafinance.com\/wp-content\/uploads\/2026\/01\/image-10-1024x385.jpg\" alt=\"\" class=\"wp-image-537\" srcset=\"https:\/\/joafinance.com\/wp-content\/uploads\/2026\/01\/image-10-1024x385.jpg 1024w, https:\/\/joafinance.com\/wp-content\/uploads\/2026\/01\/image-10-300x113.jpg 300w, https:\/\/joafinance.com\/wp-content\/uploads\/2026\/01\/image-10-768x288.jpg 768w, https:\/\/joafinance.com\/wp-content\/uploads\/2026\/01\/image-10-1536x577.jpg 1536w, https:\/\/joafinance.com\/wp-content\/uploads\/2026\/01\/image-10.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>(\ucd9c\ucc98:<a href=\"https:\/\/blog.naver.com\/catconomy_\/223997552243\" target=\"_blank\" rel=\"noopener\">\ub124\uc774\ubc84\ube14\ub85c\uadf8<\/a>)<\/p>\n\n\n\n<p>\ud504\ub9ac\ub9c8\ucf13 \uc2dc\uac04\uc740 \uc815\uaddc\uc7a5 \uac1c\uc7a5 \uc774\uc804\uc5d0 \ubbf8\ub9ac \uac70\ub798\uac00 \uac00\ub2a5\ud55c \uc2dc\uac04\ub300\uc785\ub2c8\ub2e4. \ud504\ub9ac\ub9c8\ucf13\uc740 \uae30\uc5c5 \uc2e4\uc801 \ubc1c\ud45c\ub098 \uae00\ub85c\ubc8c \ub274\uc2a4\uc5d0 \ube60\ub974\uac8c \ubc18\uc751\ud558\uae30 \uc704\ud55c \uc218\ub2e8\uc73c\ub85c \ud65c\uc6a9\ub418\ub294\ub370 \ud504\ub9ac\ub9c8\ucf13\uc758 \uacf5\uc2dd \uc2dc\uac04\uc740 \ubbf8 \ub3d9\ubd80\uc2dc\uac04 \uae30\uc900 \uc624\uc804 4\uc2dc\ubd80\ud130 9\uc2dc 30\ubd84\uae4c\uc9c0\uc778\ub370\uc694.<\/p>\n\n\n\n<p>\uc774\ub97c \ubbf8\uad6d \uc8fc\uc2dd \uc2dc\uac04 \ud55c\uad6d\uc2dc\uac04 \uae30\uc900\uc73c\ub85c \ud658\uc0b0\ud558\uba74, \uc11c\uba38\ud0c0\uc784 \uc801\uc6a9 \uc2dc 17\uc2dc\ubd80\ud130 22\uc2dc 30\ubd84, \ud45c\uc900\uc2dc \uc801\uc6a9 \uc2dc 18\uc2dc\ubd80\ud130 23\uc2dc 30\ubd84\uc785\ub2c8\ub2e4. \uc989, \ud55c\uad6d\uc5d0\uc11c\ub294 \uc800\ub141 \uc2dc\uac04\ub300\uc5d0 \ud504\ub9ac\ub9c8\ucf13 \uac70\ub798\uac00 \uac00\ub2a5\ud55c\ub370\uc694. \uc774\ub85c \uc778\ud574 \uc9c1\uc7a5\uc778 \ud22c\uc790\uc790\ub4e4\uc774 \ud1f4\uadfc \ud6c4 \ubbf8\uad6d \uc2dc\uc7a5 \ud750\ub984\uc744 \ubbf8\ub9ac \ud655\uc778\ud558\uba70 \ub300\uc751\ud560 \uc218 \uc788\ub294 \uc7a5\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub2e4\ub9cc \ud504\ub9ac\ub9c8\ucf13\uc740 \uac70\ub798\ub7c9\uc774 \uc801\uace0 \ud638\uac00 \uc2a4\ud504\ub808\ub4dc\uac00 \ub113\uc740 \uacbd\uc6b0\uac00 \ub9ce\uc544 \uac00\uaca9 \ubcc0\ub3d9\uc131\uc774 \ud07d\ub2c8\ub2e4. \ub530\ub77c\uc11c \ub2e8\uae30 \ub274\uc2a4 \ub300\uc751 \ubaa9\uc801\uc774 \uc544\ub2c8\ub77c\uba74, \ucd08\ubcf4 \ud22c\uc790\uc790\ub294 \uc2e0\uc911\ud558\uac8c \uc811\uadfc\ud558\ub294 \uac83\uc774 \ubc14\ub78c\uc9c1\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\ubbf8\uad6d \uc560\ud504\ud130\uc7a5 \uc2dc\uac04 (\uc815\uaddc\uc7a5 \uc774\ud6c4 \uac70\ub798)<\/strong><\/h2>\n\n\n\n<p>\ubbf8\uad6d \uc560\ud504\ud130\uc7a5\uc740 \uc815\uaddc\uc7a5 \uc885\ub8cc \uc774\ud6c4\uc5d0\ub3c4 \uac70\ub798\uac00 \uac00\ub2a5\ud55c \uc2dc\uac04\ub300\ub85c, \uc2e4\uc801 \ubc1c\ud45c \uc2dc\uc98c\uc5d0 \ud2b9\ud788 \uc8fc\ubaa9\ubc1b\uc2b5\ub2c8\ub2e4. \uc560\ud504\ud130\uc7a5\uc758 \uacf5\uc2dd \uc2dc\uac04\uc740 \ubbf8 \ub3d9\ubd80\uc2dc\uac04 \uae30\uc900 \uc624\ud6c4 4\uc2dc\ubd80\ud130 8\uc2dc\uae4c\uc9c0\ub85c \uc774\ub294 \uc815\uaddc\uc7a5\uc774 \ub05d\ub09c \uc9c1\ud6c4\ubd80\ud130 \ubc24 \uc2dc\uac04\ub300\uae4c\uc9c0 \uc774\uc5b4\uc9c0\ub294 \uad6c\uc870\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud55c\uad6d\uc2dc\uac04 \uae30\uc900\uc73c\ub85c \ubcf4\uba74, \uc11c\uba38\ud0c0\uc784 \uc801\uc6a9 \uc2dc 05\uc2dc\ubd80\ud130 09\uc2dc, \ud45c\uc900\uc2dc \uc801\uc6a9 \uc2dc 06\uc2dc\ubd80\ud130 10\uc2dc\uae4c\uc9c0\uac00 \ubbf8\uad6d \uc560\ud504\ud130\uc7a5 \uc2dc\uac04\uc778\ub370\uc694. \uc989, \ud55c\uad6d\uc5d0\uc11c\ub294 \uc774\ub978 \uc544\uce68 \uc2dc\uac04\ub300\uc5d0 \ud574\ub2f9\ud569\ub2c8\ub2e4. \uc560\ud504\ud130\uc7a5\uc740 \uae30\uc5c5 \uc2e4\uc801 \ubc1c\ud45c \uc9c1\ud6c4 \uc8fc\uac00\uac00 \uae09\ub4f1\ub77d\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc544, \ub2e4\uc74c \ub0a0 \uc815\uaddc\uc7a5 \ud750\ub984\uc744 \uc608\uce21\ud558\ub294 \ub370 \uc911\uc694\ud55c \ucc38\uace0 \uc790\ub8cc\uac00 \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uadf8\ub7ec\ub098 \uc560\ud504\ud130\uc7a5 \uc5ed\uc2dc \uac70\ub798\ub7c9\uc774 \uc81c\ud55c\uc801\uc774\uba70, \ubaa8\ub4e0 \uc885\ubaa9\uc774 \ud65c\ubc1c\ud788 \uac70\ub798\ub418\ub294 \uac83\uc740 \uc544\ub2cc\ub370\uc694. \uccb4\uacb0 \uc2e4\ud328\ub098 \uac00\uaca9 \uc65c\uace1 \uac00\ub2a5\uc131\uc774 \uc874\uc7ac\ud558\ubbc0\ub85c, \uc804\ub7b5\uc801 \ubaa9\uc801 \uc5c6\uc774 \ubb34\ub9ac\ud55c \uac70\ub798\ub294 \ud53c\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>11\uc6d4 4\uc77c\ubd80\ud130 \ub2ec\ub77c\uc9c4 \uc810: \ud55c\uad6d \ub0ae \uc2dc\uac04\ub300 \uac70\ub798 \uac00\ub2a5<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"559\" src=\"https:\/\/joafinance.com\/wp-content\/uploads\/2026\/01\/image-11-1024x559.jpg\" alt=\"\" class=\"wp-image-538\" srcset=\"https:\/\/joafinance.com\/wp-content\/uploads\/2026\/01\/image-11-1024x559.jpg 1024w, https:\/\/joafinance.com\/wp-content\/uploads\/2026\/01\/image-11-300x164.jpg 300w, https:\/\/joafinance.com\/wp-content\/uploads\/2026\/01\/image-11-768x419.jpg 768w, https:\/\/joafinance.com\/wp-content\/uploads\/2026\/01\/image-11.jpg 1370w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>(\ucd9c\ucc98:<a href=\"https:\/\/blog.naver.com\/babohyunjoo\/223770735227\" target=\"_blank\" rel=\"noopener\">\ub124\uc774\ubc84\ube14\ub85c\uadf8<\/a>)<\/p>\n\n\n\n<p>11\uc6d4 4\uc77c\ubd80\ud130 \uc77c\ubd80 \uc99d\uad8c\uc0ac\ub97c \ud1b5\ud574 \ud55c\uad6d \uc2dc\uac01 \uae30\uc900 \ub0ae \uc2dc\uac04\ub300\uc5d0\ub3c4 \ubbf8\uad6d \uc8fc\uc2dd \uac70\ub798\uac00 \uac00\ub2a5\ud574\uc84c\uc2b5\ub2c8\ub2e4. \uc774\ub294 \ubbf8\uad6d \uc2dc\uc7a5\uc758 \uac70\ub798 \uc2dc\uac04\uc774 \ubcc0\uacbd\ub41c \uac83\uc774 \uc544\ub2c8\ub77c, \uad6d\ub0b4 \uc99d\uad8c\uc0ac\uc758 \uc2dc\uc2a4\ud15c\uacfc \uc8fc\ubb38 \ucc98\ub9ac \ubc29\uc2dd\uc774 \uac1c\uc120\ub418\uba74\uc11c \ub098\ud0c0\ub09c \ubcc0\ud654\uc778\ub370\uc694.&nbsp; \ud22c\uc790\uc790\ub294 \ub0ae \uc2dc\uac04\uc5d0\ub3c4 \uc8fc\ubb38\uc744 \uc81c\ucd9c\ud560 \uc218 \uc788\uace0, \ud574\ub2f9 \uc8fc\ubb38\uc740 \uc9c0\uc815\ub41c \ubbf8\uad6d \uc2dc\uc7a5 \uac70\ub798 \uc2dc\uac04\uc5d0 \ub9de\ucdb0 \uccb4\uacb0\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc774 \ubcc0\ud654\ub85c \uc778\ud574 \ubbf8\uad6d \uc8fc\uc2dd\uc744 \ubc24\uc5d0\ub9cc \uac70\ub798\ud574\uc57c \ud55c\ub2e4\ub294 \ubd80\ub2f4\uc774 \uc904\uc5b4\ub4e4\uc5c8\uc9c0\ub9cc, \uc2e4\uc81c \uccb4\uacb0 \uc2dc\uc810\uc740 \uc5ec\uc804\ud788 \uc815\uaddc\uc7a5\u00b7\ud504\ub9ac\ub9c8\ucf13\u00b7\uc560\ud504\ud130\uc7a5 \uaddc\uce59\uc744 \ub530\ub985\ub2c8\ub2e4. \ub530\ub77c\uc11c \ub0ae\uc5d0 \uc8fc\ubb38\ud588\ub2e4\uace0 \ud574\uc11c \uc989\uc2dc \uccb4\uacb0\ub418\ub294 \uac83\uc740 \uc544\ub2c8\uba70, \uc8fc\ubb38 \uc720\ud615\uacfc \uccb4\uacb0 \uc870\uac74\uc744 \uc815\ud655\ud788 \uc774\ud574 \ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4. \uc99d\uad8c\uc0ac\ubcc4\ub85c \uc81c\uacf5\ud558\ub294 \uc11c\ube44\uc2a4 \ubc94\uc704\uc640 \ubc29\uc2dd\uc774 \ub2e4\ub97c \uc218 \uc788\uc73c\ubbc0\ub85c, \uc774\uc6a9 \uc911\uc778 \uc99d\uad8c\uc0ac\uc758 \uacf5\uc9c0\ub97c \ubc18\ub4dc\uc2dc \ud655\uc778\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\ubbf8\uad6d \uc8fc\uc2dd \uc2dc\uac04 \ud55c\uad6d\uc2dc\uac04 \uae30\uc900 \ud55c\ub208\uc5d0 \uc815\ub9ac<\/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=\"\u1106\u1175\u1100\u116e\u11a8\u110c\u116e\u1109\u1175\u11a8\u1109\u1175\u1100\u1161\u11ab 5\ubd84\uc815\ub9ac(\ud504\ub9ac\ub9c8\ucf13,\uc560\ud504\ud130\ub9c8\ucf13,\uc218\uc218\ub8cc,\uc99d\uad8c\uc0ac\ubcc4\ucc28\uc774,\uc720\uc758\uc0ac\ud56d)\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/9r12DMOOptU?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:\/\/www.youtube.com\/watch?v=9r12DMOOptU\" target=\"_blank\" rel=\"noopener\">\uc2a4\ud1a1\ud1a1 STOCKTALK<\/a>)<\/p>\n\n\n\n<p>\uc9c0\uae08\uae4c\uc9c0 \uc124\uba85\ud55c \ub0b4\uc6a9\uc744 \uc885\ud569\ud558\uba74, \ubbf8\uad6d \uc8fc\uc2dd \uac70\ub798 \uc2dc\uac04\uc740 \uc11c\uba38\ud0c0\uc784 \uc5ec\ubd80\uc5d0 \ub530\ub77c \ud55c\uad6d \uae30\uc900\uc73c\ub85c \uba85\ud655\ud788 \uad6c\ubd84\ub41c\ub2e4\ub294 \uc810\uc785\ub2c8\ub2e4. \ud504\ub9ac\ub9c8\ucf13, \uc815\uaddc\uc7a5, \ubbf8\uad6d \uc560\ud504\ud130\uc7a5 \uc2dc\uac04 \ubaa8\ub450 \uc131\uaca9\uacfc \ubaa9\uc801\uc774 \ub2e4\ub974\uba70, \ud22c\uc790 \uc804\ub7b5\uc5d0 \ub9de\uac8c \ud65c\uc6a9\ud574\uc57c \ud558\ub294\ub370\uc694. \ud2b9\ud788 \uc815\uaddc\uc7a5\uc740 \uc548\uc815\uc801\uc778 \uac70\ub798 \ud658\uacbd\uc744 \uc81c\uacf5\ud558\uace0, \ud504\ub9ac\ub9c8\ucf13\uacfc \uc560\ud504\ud130\uc7a5\uc740 \ub274\uc2a4 \ub300\uc751\uacfc \ubc29\ud5a5\uc131 \ud655\uc778\uc5d0 \uc801\ud569\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud55c\uad6d \ud22c\uc790\uc790\ub294 \u201c\ubbf8\uad6d \uc7a5\uc774 \uc5f4\ub838\ub2e4\u201d\ub294 \uac1c\ub150\ubcf4\ub2e4, \uc9c0\uae08\uc774 \uc5b4\ub5a4 \uc2dc\uac04\ub300\uc774\uba70 \uc5b4\ub5a4 \ucc38\uc5ec\uc790\uac00 \uac70\ub798\ud558\uace0 \uc788\ub294\uc9c0\ub97c \uc778\uc2dd\ud558\ub294 \uac83\uc774 \uc911\uc694\ud55c\ub370\uc694.&nbsp;<\/p>\n\n\n\n<p>\uc774\ub97c \ud1b5\ud574 \ubd88\ud544\uc694\ud55c \ub9ac\uc2a4\ud06c\ub97c \uc904\uc774\uace0, \uc2dc\uac04\ub300\ubcc4 \ud2b9\uc131\uc744 \ud65c\uc6a9\ud55c \uc804\ub7b5\uc801 \uc811\uadfc\uc774 \uac00\ub2a5\ud574\uc9d1\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\uc11c\uba38\ud0c0\uc784 \uc804\ud658 \uc2dc \uaf2d \uccb4\ud06c\ud574\uc57c \ud560 \ud3ec\uc778\ud2b8<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"577\" src=\"https:\/\/joafinance.com\/wp-content\/uploads\/2026\/01\/image-12-1024x577.jpg\" alt=\"\" class=\"wp-image-539\" srcset=\"https:\/\/joafinance.com\/wp-content\/uploads\/2026\/01\/image-12-1024x577.jpg 1024w, https:\/\/joafinance.com\/wp-content\/uploads\/2026\/01\/image-12-300x169.jpg 300w, https:\/\/joafinance.com\/wp-content\/uploads\/2026\/01\/image-12-768x433.jpg 768w, https:\/\/joafinance.com\/wp-content\/uploads\/2026\/01\/image-12.jpg 1370w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>(\ucd9c\ucc98:<a href=\"https:\/\/blog.naver.com\/babohyunjoo\/223770735227\" target=\"_blank\" rel=\"noopener\">\ub124\uc774\ubc84\ube14\ub85c\uadf8<\/a>)<\/p>\n\n\n\n<p>\ubbf8\uad6d\uc740 \ub9e4\ub144 3\uc6d4 \ub458\uc9f8 \uc8fc \uc77c\uc694\uc77c\uc5d0 \uc11c\uba38\ud0c0\uc784\uc744 \uc2dc\uc791\ud558\uace0, 11\uc6d4 \uccab\uc9f8 \uc8fc \uc77c\uc694\uc77c\uc5d0 \uc774\ub97c \ud574\uc81c\ud569\ub2c8\ub2e4. \uc774 \uc2dc\uae30\ub97c \uc804\ud6c4\ub85c \ubbf8\uad6d \uc8fc\uc2dd \uac70\ub798 \uc2dc\uac04\uc740 \ud55c\uad6d \uae30\uc900\uc73c\ub85c 1\uc2dc\uac04\uc529 \uc774\ub3d9\ud558\ub294\ub370\uc694. \uc774 \ubcc0\ud654\ub294 \uccb4\uac10\uc0c1\uc758 \ubd88\ud3b8\ud568\uc744 \ub118\uc5b4, \uc2e4\uc81c \ud22c\uc790 \uc2e4\uc218\ub85c \uc774\uc5b4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud2b9\ud788 \uc790\ub3d9\ub9e4\ub9e4, \uc608\uc57d \uc8fc\ubb38, \uc54c\ub9bc \uc124\uc815\uc744 \uc0ac\uc6a9\ud558\ub294 \uacbd\uc6b0 \uc11c\uba38\ud0c0\uc784 \uc804\ud658 \uc5ec\ubd80\ub97c \ubc18\uc601\ud558\uc9c0 \uc54a\uc73c\uba74 \uc8fc\ubb38 \uc2dc\uac04\uc774 \uc5b4\uae0b\ub0a0 \uc218 \uc788\uc73c\ub2c8 \uc8fc\uc758\uac00 \ud544\uc694\ud560 \uac83 \uac19\uc740\ub370\uc694. \ub610\ud55c \uc11c\uba38\ud0c0\uc784 \uc804\ud658 \uc8fc\uac04\uc5d0\ub294 \uc2dc\uc7a5 \ubcc0\ub3d9\uc131\uc774 \uc77c\uc2dc\uc801\uc73c\ub85c \ud655\ub300\ub418\ub294 \uacbd\uc6b0\ub3c4 \uc788\uc73c\ub2c8 \ucc28\ubd84\ud558\uac8c \uc900\ube44\ud558\uc2dc\uae38 \ucd94\ucc9c\ub4dc\ub824\uc694. \ud22c\uc790\uc790\ub294 \ub9e4\ub144 3\uc6d4\uacfc 11\uc6d4\uc744 \uae30\uc900\uc73c\ub85c \ubbf8\uad6d \uc8fc\uc2dd \uc2dc\uac04 \ud55c\uad6d\uc2dc\uac04 \uae30\uc900\uc744 \ub2e4\uc2dc \ud55c \ubc88 \uc810\uac80\ud558\ub294 \uc2b5\uad00\uc744 \ub4e4\uc774\ub294 \uac83\uc774 \ubc14\ub78c\uc9c1\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\ub9c8\ubb34\ub9ac<\/strong><\/h2>\n\n\n\n<p>\ubbf8\uad6d \uc8fc\uc2dd \ud22c\uc790\ub97c \uc548\uc815\uc801\uc73c\ub85c \uc774\uc5b4\uac00\uae30 \uc704\ud574\uc11c\ub294 \ubbf8\uad6d \uc8fc\uc2dd \uc2dc\uac04 \ud55c\uad6d\uc2dc\uac04 \uae30\uc900\uc744 \uc815\ud655\ud788 \uc774\ud574\ud558\ub294 \uac83\uc774 \ud544\uc218\uc785\ub2c8\ub2e4. \uc815\uaddc\uc7a5 \uc2dc\uac04, \ud504\ub9ac\ub9c8\ucf13 \uc2dc\uac04, \ubbf8\uad6d \uc560\ud504\ud130\uc7a5 \uc2dc\uac04\uc740 \uac01\uac01 \uac70\ub798 \uc131\uaca9\uacfc \ub9ac\uc2a4\ud06c\uac00 \ub2e4\ub974\uba70, \uc11c\uba38\ud0c0\uc784 \uc801\uc6a9 \uc5ec\ubd80\uc5d0 \ub530\ub77c \ud55c\uad6d \uae30\uc900 \uc2dc\uac04\uc774 \ub2ec\ub77c\uc9c0\ub294\ub370\uc694. \ud2b9\ud788 \ud55c\uad6d \ub0ae \uc2dc\uac04\ub300 \uac70\ub798 \ud658\uacbd\uc774 \ud655\ub300\ub41c \ub9cc\ud07c, \ucd5c\uc2e0 \uc81c\ub3c4 \ubcc0\ud654\uae4c\uc9c0 \ud568\uaed8 \uc219\uc9c0\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc774 \uc815\ubcf4\ub97c \ubc14\ud0d5\uc73c\ub85c \uc790\uc2e0\uc758 \ud22c\uc790 \uc2a4\ud0c0\uc77c\uc5d0 \ub9de\ub294 \uac70\ub798 \uc2dc\uac04\ub300\ub97c \uc124\uc815\ud558\ub294 \ub370 \ub3c4\uc6c0\ub418\uc2dc\uae30 \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\/11\/joafinance.com-G-22.jpg\" 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=337\" target=\"_blank\" rel=\"noopener noreferrer\">\uacf5\ud3ec\ud0d0\uc695\uc9c0\uc218 \ubcf4\ub294 \ubc95, \ub098\uc2a4\ub2e5\uacfc \ubbf8\uad6d\uc8fc\uc2dd \uacf5\ud3ec\ud0d0\uc695\uc9c0\uc218 \uc0ac\uc774\ud2b8 &#8211; \uc870\uc544\ud30c\uc774\ub0b8\uc2a4<\/a>\n\t\t\t\t\t\t<span class=\"p-blogCard__excerpt\">\uc2dc\uc7a5\uc758 \uacfc\uc5f4\uc774\ub098 \uce68\uccb4 \uc0c1\ud0dc\ub97c \uac1d\uad00\uc801\uc73c\ub85c \ud30c\uc545\ud558\ub294 \ub370 \ub3c4\uc6c0\uc744 \uc8fc\ub294 \ub3c4\uad6c\uac00 \ubc14\ub85c \uacf5\ud3ec\ud0d0\uc695\uc9c0\uc218\uc785\ub2c8\ub2e4.<\/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>\ubbf8\uad6d \uc8fc\uc2dd\uc5d0 \ud22c\uc790\ud560 \ub54c \uac00\uc7a5 \uba3c\uc800 \uc815\ub9ac\ud574\uc57c \ud560 \uac1c\ub150\uc740 \ubbf8\uad6d \uc8fc\uc2dd \uc2dc\uac04 \ud55c\uad6d\uc2dc\uac04 \uae30\uc900\uc785\ub2c8\ub2e4. \ubbf8\uad6d \uc99d\uc2dc\ub294 \uc804 \uc138\uacc4 \uae08\uc735\uc2dc\uc7a5\uc758 \uc911\uc2ec\uc5d0 \uc788\uc9c0\ub9cc, \uac70\ub798 \uc2dc\uac04\uc740 \ud55c\uad6d\uacfc \uc815\ubc18\ub300\uc5d0 \uac00\uae5d\uace0 \uc11c\uba38\ud0c0\uc784\uae4c\uc9c0 \uc801\uc6a9\ub3fc \ucd08\ubcf4 \ud22c\uc790\uc790\uc5d0\uac8c \ud63c\ub780\uc744 \uc8fc\uae30 \uc27d\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \ud55c\uad6d \uc2dc\uac01 \uae30\uc900 \ub0ae \uc2dc\uac04\ub300\uc5d0\ub3c4 \ubbf8\uad6d \uc8fc\uc2dd \uac70\ub798\uac00 \uac00\ub2a5\ud574\uc9c0\uba74\uc11c, \uae30\uc874\uc758 \uc2dc\uac04 \uac1c\ub150\uc744 \ub2e4\uc2dc \uc810\uac80\ud574\uc57c \ud560 \ud544\uc694\uc131\uc774 \ucee4\uc84c\ub294\ub370\uc694. \uc774 \uae00\uc5d0\uc11c\ub294 \uc815\uaddc\uc7a5 \uc2dc\uac04, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":540,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"swell_btn_cv_data":"","footnotes":""},"categories":[4],"tags":[],"class_list":["post-536","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-4"],"_links":{"self":[{"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/posts\/536","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=536"}],"version-history":[{"count":2,"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/posts\/536\/revisions"}],"predecessor-version":[{"id":742,"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/posts\/536\/revisions\/742"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/media\/540"}],"wp:attachment":[{"href":"https:\/\/joafinance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=536"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=536"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=536"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}