{"id":620,"date":"2026-02-05T17:40:17","date_gmt":"2026-02-05T08:40:17","guid":{"rendered":"https:\/\/joafinance.com\/?p=620"},"modified":"2026-03-24T23:40:39","modified_gmt":"2026-03-24T14:40:39","slug":"%ec%9e%90%eb%8f%99%ec%b0%a8%ec%84%b8-%ec%97%b0%eb%82%a9-%ed%95%a0%ec%9d%b8-%ec%96%bc%eb%a7%88%eb%82%98-%eb%90%a0%ea%b9%8c-%ec%8b%a0%ec%b2%ad-%eb%b0%8f-%ec%b9%b4%eb%93%9c-%eb%82%a9%eb%b6%80-%eb%b0%a9","status":"publish","type":"post","link":"https:\/\/joafinance.com\/?p=620","title":{"rendered":"\uc790\ub3d9\ucc28\uc138 \uc5f0\ub0a9 \ud560\uc778 \uc5bc\ub9c8\ub098 \ub420\uae4c? \uc2e0\uccad \ubc0f \uce74\ub4dc \ub0a9\ubd80 \ubc29\ubc95 \ucd1d\uc815\ub9ac"},"content":{"rendered":"\n<p>\ucc28\uc8fc \ubd84\ub4e4\uc774 \ub9e4\ub144 1\uc6d4\ub9c8\ub2e4 \ucc59\uaca8\uc57c \ud558\ub294 \ud61c\ud0dd, \ubc14\ub85c \uc790\ub3d9\ucc28\uc138 \uc5f0\ub0a9 \ud560\uc778\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>6\uc6d4\uacfc 12\uc6d4\uc5d0 \ub0bc \uc790\ub3d9\ucc28\uc138\ub97c \ud55c\uaebc\ubc88\uc5d0 \ubbf8\ub9ac \ub0a9\ubd80\ud558\uba74 \uc138\uae08 \uc77c\ubd80\ub97c \ub3cc\ub824\ubc1b\ub294 \uc81c\ub3c4\uc8e0.&nbsp;<\/p>\n\n\n\n<p>\uc5b4\ucc28\ud53c \ub0bc \uc138\uae08\uc774\ub77c\uba74 \ud560\uc778\ubc1b\ub294 \ud3b8\uc774 \uc774\ub4dd\uc778 \ub9cc\ud07c, \ub9ce\uc740 \ubd84\ub4e4\uc774 \uc774\ub97c \uc560\uc6a9\ud558\uc2ed\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\uc624\ub298\uc740 \uc790\ub3d9\ucc28\uc138 \uc5f0\ub0a9 \ud560\uc778\uc728\uacfc \uc2e0\uccad \ubc0f \uce74\ub4dc \ub0a9\ubd80 \ubc29\ubc95\uc744 \ucd1d\uc815\ub9ac \ud558\uaca0\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uc790\ub3d9\ucc28\uc138 \uc5f0\ub0a9 : \ud560\uc778\uc728\uc740 \uc5bc\ub9c8\ub098 \ub420\uae4c?<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"840\" height=\"500\" src=\"https:\/\/joafinance.com\/wp-content\/uploads\/2026\/02\/image.jpeg\" alt=\"\" class=\"wp-image-621\" srcset=\"https:\/\/joafinance.com\/wp-content\/uploads\/2026\/02\/image.jpeg 840w, https:\/\/joafinance.com\/wp-content\/uploads\/2026\/02\/image-300x179.jpeg 300w, https:\/\/joafinance.com\/wp-content\/uploads\/2026\/02\/image-768x457.jpeg 768w\" sizes=\"(max-width: 840px) 100vw, 840px\" \/><\/figure>\n\n\n\n<p>\uc0ac\uc9c4 \ucd9c\ucc98 (<a href=\"https:\/\/www.card-gorilla.com\/contents\/detail\/3542\" target=\"_blank\" rel=\"noopener\">card-gorilla<\/a>)<\/p>\n\n\n\n<p>2025\ub144 \uc790\ub3d9\ucc28\uc138 \uc5f0\ub0a9 \ud560\uc778\uc728\uc740 5%\ub85c \uc720\uc9c0\ub410\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\uace0\ubb3c\uac00\uc640 \uacbd\uae30 \uce68\uccb4\ub97c \uace0\ub824\ud574 2024\ub144\uacfc \ub3d9\uc77c\ud55c \uacf5\uc81c\uc728\uc744 \uc801\uc6a9\ud55c \uac83\uc774\uc8e0.&nbsp;<\/p>\n\n\n\n<p>\ubcf8\ub798 \uc9c0\ubc29\uc138\ubc95 \uc2dc\ud589\ub839\uc5d0 \ub530\ub974\uba74 \uc5f0\ub0a9 \ud560\uc778\uc728\uc740 2025\ub144\ubd80\ud130 3%\ub85c \ucd95\uc18c\ub420 \uc608\uc815\uc774\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud558\uc9c0\ub9cc \uc11c\ubbfc \ubd80\ub2f4\uc744 \uc644\ud654\ud558\uae30 \uc704\ud574 \uc815\ubd80\uac00 \ud2b9\ub2e8\uc758 \uc870\uce58\ub97c \ub0b4\ub838\uc8e0.&nbsp;<\/p>\n\n\n\n<p>1\uc6d4\uc5d0 \uc790\ub3d9\ucc28\uc138 \uc5f0\ub0a9\uc744 \uc2e0\uccad\ud558\uba74 \uc2e4\uc81c\ub85c \uc57d 4.6%\uc758 \ud560\uc778\uc744 \ubc1b\uac8c \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>1\uc6d4\ubd84 \uc138\uae08\uc740 \ubcc4\ub3c4\ub85c \ub0a9\ubd80\ud558\uace0 2\uc6d4\ubd80\ud130 12\uc6d4\uae4c\uc9c0 11\uac1c\uc6d4\ubd84\ub9cc \uc5f0\ub0a9\ud558\uae30 \ub54c\ubb38\uc774\uc8e0.<\/p>\n\n\n\n<p>11\uac1c\uc6d4\ubd84 \uc138\uc561\uc758 5%\ub97c \uacf5\uc81c\ud558\uba74 \uc5f0\uac04 \uc804\uccb4 \uc138\uc561 \uae30\uc900\uc73c\ub85c \uc57d 4.6%\uac00 \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc5f0\uac04 \uc790\ub3d9\ucc28\uc138\uac00 50\ub9cc\uc6d0\uc774\ub77c\uba74 \uc57d 2\ub9cc3\ucc9c\uc6d0 \uc815\ub3c4\ub97c \uc544\ub084 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc8fc\uc758\ud560 \uc810\uc740 \uc2e0\uccad \uc2dc\uae30\uc5d0 \ub530\ub77c \ud560\uc778\uc728\uc774 \ub2ec\ub77c\uc9c4\ub2e4\ub294 \uc810\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>1\uc6d4 \uc5f0\ub0a9 \uc2dc \uc57d 4.6%, 3\uc6d4\uc740 3.8%, 6\uc6d4\uc740 2.5%, 9\uc6d4\uc740 1.3%\ub97c \ud560\uc778\ubc1b\uc8e0.<\/p>\n\n\n\n<p>\ub4a4\ub85c \uac08\uc218\ub85d \ud560\uc778 \ud3ed\uc774 \uc904\uc5b4\ub4e4\uae30 \ub54c\ubb38\uc5d0 1\uc6d4 \uc2e0\uccad\uc774 \uac00\uc7a5 \uc720\ub9ac\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2026\ub144 \uc5f0\ub0a9 \ud560\uc778\uc728\uc740 \uc804\ub9dd\uc740?<\/h3>\n\n\n\n<p>2026\ub144 \uc790\ub3d9\ucc28\uc138 \uc5f0\ub0a9 \ud560\uc778\uc728\uc740 \uc544\uc9c1 \ud655\uc815\ub418\uc9c0 \uc54a\uc558\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc9c0\ubc29\uc138\ubc95 \uc2dc\ud589\ub839\uc0c1\uc73c\ub85c\ub294 3%\ub85c \ucd95\uc18c\ub420 \uc608\uc815\uc774\uc9c0\ub9cc, \uacbd\uc81c \uc0c1\ud669\uc744 \uace0\ub824\ud574 5%\ub97c \uc720\uc9c0\ud560 \uac00\ub2a5\uc131\ub3c4 \uc788\uc8e0.&nbsp;<\/p>\n\n\n\n<p>2025\ub144 1\uc6d4\ucc98\ub7fc \uc5f0\ucd08\uc5d0 \ucd5c\uc885 \uace0\uc2dc\uac00 \ub098\uc62c \uac83\uc73c\ub85c \ubcf4\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc9c0\ubc29\uc790\uce58\ub2e8\uccb4 \uc785\uc7a5\uc5d0\uc11c\ub3c4 \uc138\uc218\ub97c \uc870\uae30\uc5d0 \ud655\ubcf4\ud558\ub294 \uac83\uc774 \uc720\ub9ac\ud55c \ub9cc\ud07c, 1\uc6d4 \ucd08 \ud589\uc815\uc548\uc804\ubd80 \uacf5\uc9c0\ub97c \uc8fc\uc758 \uae4a\uac8c \uc0b4\ud3b4\ubd10\uc57c \ud569\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uc790\ub3d9\ucc28\uc138 \uc5f0\ub0a9 \uc2e0\uccad \ubc29\ubc95<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"300\" height=\"288\" src=\"https:\/\/joafinance.com\/wp-content\/uploads\/2026\/02\/image-1.jpeg\" alt=\"\" class=\"wp-image-622\"\/><\/figure>\n\n\n\n<p>\uc0ac\uc9c4 \ucd9c\ucc98 (<a href=\"https:\/\/www.hankyung.com\/article\/2024122227031\" target=\"_blank\" rel=\"noopener\">hankyung<\/a>)<\/p>\n\n\n\n<p>\uc790\ub3d9\ucc28\uc138 \uc5f0\ub0a9 \uc2e0\uccad\uc740 \uc5f0 4\ud68c \uac00\ub2a5\ud558\uc9c0\ub9cc 1\uc6d4\uc774 \uac00\uc7a5 \uc720\ub9ac\ud569\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\ub9e4\ub144 1\uc6d4 16\uc77c\ubd80\ud130 31\uc77c\uae4c\uc9c0\uac00 \uc2e0\uccad \ubc0f \ub0a9\ubd80 \uae30\uac04\uc774\uba70, \uc774 \uae30\uac04\uc744 \ub193\uce58\uba74 3\uc6d4, 6\uc6d4, 9\uc6d4\uc5d0 \uc2e0\uccad\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\ud558\uc9c0\ub9cc \uc55e\uc11c \ub9d0\ud588\ub4ef \ud560\uc778\uc728\uc740 \ub354 \ub0ae\uc544\uc9c0\uc8e0.&nbsp;<\/p>\n\n\n\n<p>\uc5f0\uc138\uc561\uc774 10\ub9cc\uc6d0 \ubbf8\ub9cc\uc778 \ucc28\ub7c9\uc740 1\uc6d4\uacfc 3\uc6d4\uc5d0\ub9cc \uc2e0\uccad \uac00\ub2a5\ud558\ub2c8 \uc8fc\uc758\ud558\uc154\uc57c \ud569\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc628\ub77c\uc778\uc73c\ub85c \uc2e0\uccad\ud558\ub294 \ubc29\ubc95&nbsp;<\/h3>\n\n\n\n<p>\uac00\uc7a5 \uac04\ud3b8\ud55c \ubc29\ubc95\uc740 \uc628\ub77c\uc778 \uc2e0\uccad\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\uc704\ud0dd\uc2a4 \ud648\ud398\uc774\uc9c0\ub098 \uc2a4\ub9c8\ud2b8 \uc704\ud0dd\uc2a4 \uc571\uc5d0 \uc811\uc18d\ud574, \ubd80\uac00\uc11c\ube44\uc2a4 \uba54\ub274\uc5d0\uc11c \uc790\ub3d9\ucc28\uc138 \uc5f0\ub0a9 \uc2e0\uccad\ud558\uc2dc\uba74 \ub429\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\ucc28\ub7c9\ubc88\ud638\ub9cc \uc785\ub825\ud558\uba74 \ub3fc\uc11c \uc808\ucc28\ub3c4 \ub9e4\uc6b0 \uac04\ud3b8\ud569\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\ub2e4\ub9cc, \uc11c\uc6b8 \uc9c0\uc5ed\uc740 \uc774\ud0dd\uc2a4\ub97c \uc774\uc6a9\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc11c\uc6b8\uc2dc ETAX \ud648\ud398\uc774\uc9c0\ub098 STAX \uc571\uc5d0\uc11c \uc2e0\uccad\ud574\uc57c \ud558\uc8e0.&nbsp;<\/p>\n\n\n\n<p>\uacf5\ub3d9\uc778\uc99d\uc11c \ub610\ub294 \uac04\ud3b8\uc778\uc99d\uc73c\ub85c \ub85c\uadf8\uc778\ud55c \ub4a4 \uc808\ucc28\ub97c \uc9c4\ud589\ud558\uba74 \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>PC\uc640 \ubaa8\ubc14\uc77c \ubaa8\ub450 \uc774\uc6a9 \uac00\ub2a5\ud558\ub2c8 \ub458 \uc911 \ud3b8\ud55c \ubc29\uc2dd\uc744 \uc120\ud0dd\ud558\uc2dc\uae38 \ubc14\ub78d\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\uc804\ub144\ub3c4 1\uc6d4\uc5d0 \uc5f0\ub0a9\uc744 \uc2e0\uccad\ud588\ub2e4\uba74 \ubcc4\ub3c4 \uc2e0\uccad\uc774 \uc5c6\uc5b4\ub3c4 \uad00\ud560 \uc9c0\uc790\uccb4\uc5d0\uc11c \ud560\uc778\uc774 \uc801\uc6a9\ub41c \uace0\uc9c0\uc11c\ub97c \ubc1c\uc1a1\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc6b0\ud3b8\uc774\ub098 \uc54c\ub9bc\ud1a1\uc73c\ub85c \uc5f0\ub0a9 \uc548\ub0b4\ub97c \ubc1b\uc740 \ub4a4, \uc774\ub97c \ud655\uc778\ud558\uc2dc\uae30\ub9cc \ud558\uba74 \ub429\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\ub2e4\ub9cc \ucc28\ub7c9\uc744 \uc0c8\ub85c \uad6c\ub9e4\ud588\uac70\ub098 \uc774\uc0ac\ud55c \uacbd\uc6b0\uc5d0\ub294 \uc7ac\uc694\uccad \ud574\uc57c \ud560 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc804\ud654 \ubc0f \uc624\ud504\ub77c\uc778 \uc2e0\uccad \ubc29\ubc95&nbsp;<\/h3>\n\n\n\n<p>\uc628\ub77c\uc778 \uc2e0\uccad\uc774 \uc5b4\ub835\ub2e4\uba74 \uad00\ud560 \uad6c\uccad\uc774\ub098 \uc2dc\uccad \uc138\ubb34\uacfc\uc5d0 \uc804\ud654\ub85c \uc2e0\uccad\ud558\uc2dc\uba74 \ub429\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\uac00\uc0c1\uacc4\uc88c\ub97c \ubc1c\uae09\ubc1b\uc544 \uadf8 \uacc4\uc88c\ub85c \ub0a9\ubd80\ud558\uba74 \uc808\ucc28\uac00 \uc644\ub8cc\ub418\uc8e0.&nbsp;<\/p>\n\n\n\n<p>\uc9c1\uc811 \ubc29\ubb38\ud574\uc11c \uc2e0\uccad\ud560 \uc218\ub3c4 \uc788\uc9c0\ub9cc \uc624\ud504\ub77c\uc778 \uc2e0\uccad\uc740 \uc2dc\uac04\uc774 \ub354 \uc624\ub798 \uac78\ub9bd\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1\uc6d4 \uc2e0\uccad \uae30\uac04\uc744 \ub193\ucce4\uc744 \ub54c\uc758 \ub300\ucc98\ubc95&nbsp;<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"645\" height=\"388\" src=\"https:\/\/joafinance.com\/wp-content\/uploads\/2026\/02\/image-3.jpeg\" alt=\"\" class=\"wp-image-624\" srcset=\"https:\/\/joafinance.com\/wp-content\/uploads\/2026\/02\/image-3.jpeg 645w, https:\/\/joafinance.com\/wp-content\/uploads\/2026\/02\/image-3-300x180.jpeg 300w\" sizes=\"(max-width: 645px) 100vw, 645px\" \/><\/figure>\n\n\n\n<p>\uc0ac\uc9c4 \ucd9c\ucc98 (<a href=\"https:\/\/news.bizwatch.co.kr\/article\/finance\/2023\/01\/19\/0027\" target=\"_blank\" rel=\"noopener\">bizwatch<\/a>)<\/p>\n\n\n\n<p>1\uc6d4 \uc2e0\uccad \uae30\uac04\uc744 \ub193\ucce4\ub2e4\uace0 \ud3ec\uae30\ud560 \ud544\uc694\ub294 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>3\uc6d4, 6\uc6d4, 9\uc6d4\uc5d0\ub3c4 \uc790\ub3d9\ucc28\uc138 \uc5f0\ub0a9 \uc2e0\uccad\uc774 \uac00\ub2a5\ud558\uae30 \ub54c\ubb38\uc774\uc8e0.&nbsp;<\/p>\n\n\n\n<p>\uac01 \uc6d4\uc758 16\uc77c\ubd80\ud130 \ub9d0\uc77c\uae4c\uc9c0 \uc2e0\uccad \ubc0f \ub0a9\ubd80 \uae30\uac04\uc774 \uc5f4\ub9bd\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>3\uc6d4\uc5d0 \uc2e0\uccad\ud558\uba74 \uc57d 3.8%\uc758 \ud560\uc778\uc744 \ubc1b\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>4\uc6d4\ubd80\ud130 12\uc6d4\uae4c\uc9c0 9\uac1c\uc6d4\ubd84\uc5d0 \ub300\ud55c \uacf5\uc81c\uac00 \uc801\uc6a9\ub418\ub294 \uac83\uc774\uc8e0.&nbsp;<\/p>\n\n\n\n<p>50\ub9cc\uc6d0 \uae30\uc900\uc73c\ub85c \uc57d 1\ub9cc9\ucc9c\uc6d0\uc744 \uc808\uc57d\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>6\uc6d4 \uc2e0\uccad \uc2dc\uc5d0\ub294 \ud560\uc778\uc728\uc774 2.5%\ub85c \ub5a8\uc5b4\uc9d1\ub2c8\ub2e4.<\/p>\n\n\n\n<p>50\ub9cc\uc6d0 \uae30\uc900 \uc57d 1\ub9cc2500\uc6d0\uc758 \uc138\uae08\uc744 \uc544\ub084 \uc218 \uc788\uc8e0.&nbsp;<\/p>\n\n\n\n<p>9\uc6d4\uc774 \ub9c8\uc9c0\ub9c9 \uc5f0\ub0a9 \uc2e0\uccad \uae30\ud68c\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>10\uc6d4\ubd80\ud130 12\uc6d4\uae4c\uc9c0 3\uac1c\uc6d4\ubd84\uc5d0 \ub300\ud574 1.3%\uac00 \uacf5\uc81c\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>50\ub9cc\uc6d0 \uae30\uc900\uc73c\ub85c\ub3c4 6500\uc6d0 \uc815\ub3c4\ub97c \uc808\uc57d\ud558\uac8c \ub418\uc8e0.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uc790\ub3d9\ucc28\uc138 \uce74\ub4dc \ub0a9\ubd80 \ubc29\ubc95\uacfc \ud61c\ud0dd&nbsp;<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"645\" height=\"528\" src=\"https:\/\/joafinance.com\/wp-content\/uploads\/2026\/02\/image-2.jpeg\" alt=\"\" class=\"wp-image-623\" srcset=\"https:\/\/joafinance.com\/wp-content\/uploads\/2026\/02\/image-2.jpeg 645w, https:\/\/joafinance.com\/wp-content\/uploads\/2026\/02\/image-2-300x246.jpeg 300w\" sizes=\"(max-width: 645px) 100vw, 645px\" \/><\/figure>\n\n\n\n<p>\uc0ac\uc9c4 \ucd9c\ucc98 (<a href=\"https:\/\/news.bizwatch.co.kr\/article\/finance\/2023\/01\/19\/0027\" target=\"_blank\" rel=\"noopener\">bizwatch<\/a>)<\/p>\n\n\n\n<p>\uc790\ub3d9\ucc28\uc138\ub294 \uc9c0\ubc29\uc138\uc5d0 \ud574\ub2f9\ud558\ubbc0\ub85c \uc2e0\uc6a9\uce74\ub4dc \uc218\uc218\ub8cc\uac00 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uad6d\uc138\ub294 \uce74\ub4dc \ub0a9\ubd80 \uc2dc 0.8%\uc758 \uc218\uc218\ub8cc\uac00 \ubd99\uc9c0\ub9cc \uc9c0\ubc29\uc138\ub294 \uadf8\ub807\uc9c0 \uc54a\uc8e0.&nbsp;<\/p>\n\n\n\n<p>\uc2e0\uc6a9\uce74\ub4dc\ub97c \ud65c\uc6a9\ud558\uba74 \ubb34\uc774\uc790 \ud560\ubd80\uc640 \ud3ec\uc778\ud2b8 \uc801\ub9bd \ub4f1 \ucd94\uac00 \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\uc5f0\ub0a9 \uc2e0\uccad \ud6c4 \ub0a9\ubd80 \ub2e8\uacc4\uc5d0\uc11c \uc2e0\uc6a9\uce74\ub4dc\ub97c \uc120\ud0dd\ud558\uba74 \ub418\uc8e0.&nbsp;<\/p>\n\n\n\n<p>\uc0bc\uc131, \ub86f\ub370, \uc2e0\ud55c, \ud604\ub300, BC, KB\uad6d\ubbfc, NH\ub18d\ud611, \ud558\ub098\uce74\ub4dc \ub4f1\uc744 \uc0ac\uc6a9\ud560 \uc218 \uc788\uc73c\uba70, \uc774\uc678\uc758 \ub300\ubd80\ubd84\uc758 \uad6d\ub0b4 \uc2e0\uc6a9\uce74\ub4dc\uac00 \uc9c0\uc6d0\ub429\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>1~2\uc6d4\uc740 \uce74\ub4dc\uc0ac\ub4e4\uc774 \uc138\uae08 \ub0a9\ubd80 \uc774\ubca4\ud2b8\ub97c \uc9d1\uc911\uc801\uc73c\ub85c \uc9c4\ud589\ud558\ub294 \uc2dc\uae30\uc778 \ub9cc\ud07c, \ubb34\uc774\uc790 \ud560\ubd80\uc640 \ud3ec\uc778\ud2b8 \ub9ac\uc6cc\ub4dc\ub098 \ucee4\ud53c \ucfe0\ud3f0 \ub4f1\uc774 \uc81c\uacf5\ub429\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\uad6d\ubbfc\uce74\ub4dc\uc640 \uc2e0\ud55c\uce74\ub4dc\ub294 \uc77c\uc815 \uae08\uc561 \uc774\uc0c1 \ub0a9\ubd80 \uc2dc \ud3ec\uc778\ud2b8\ub97c \ub3cc\ub824\uc8fc\uba70, \uc0bc\uc131\uce74\ub4dc\uc640 \ud604\ub300\uce74\ub4dc\ub294 6~12\uac1c\uc6d4 \uc2ac\ub9bc \ud560\ubd80 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ubb34\uc774\uc790 \ud560\ubd80\ub97c \ud65c\uc6a9\ud558\uba74 \uc218\uc2ed\ub9cc\uc6d0\uc744 \ud55c \ubc88\uc5d0 \ub0b4\ub294 \ubd80\ub2f4\uc744 6\uac1c\uc6d4\ub85c \ub098\ub204\uc5b4 \ubd84\uc0b0\uc2dc\ud0ac \uc218 \uc788\uc5b4 \ud604\uae08 \ud750\ub984 \uad00\ub9ac\uc5d0 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc5f0\ub0a9 \ud560\uc778\uacfc \ubb34\uc774\uc790 \ud560\ubd80\ub97c \ud568\uaed8 \ud65c\uc6a9\ud574 \uc774\uc911 \ud61c\ud0dd\uc744 \ub204\ub9b4 \uc218\ub3c4 \uc788\uc73c\uba70, \uc5ec\uae30\uc5d0 \uce74\ub4dc \ud3ec\uc778\ud2b8\ub098 \ub9c8\uc77c\ub9ac\uc9c0 \uc801\ub9bd\uae4c\uc9c0 \ucc59\uae38 \uc218 \uc788\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uac04\ud3b8 \uacb0\uc81c\ub85c\ub3c4 \ub0a9\uc785\uc774 \uac00\ub2a5&nbsp;<\/h3>\n\n\n\n<p>\ub124\uc774\ubc84\ud398\uc774\uc640 \uce74\uce74\uc624\ud398\uc774 \uac19\uc740 \uac04\ud3b8\uacb0\uc81c\ub3c4 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc704\ud0dd\uc2a4 \uc571\uc774\ub098 \uc6f9\uc0ac\uc774\ud2b8\uc5d0\uc11c \uac04\ud3b8\uacb0\uc81c\ub97c \uc120\ud0dd\ud558\uba74 \ub418\uc8e0.&nbsp;<\/p>\n\n\n\n<p>\uac04\ud3b8\uacb0\uc81c \uc774\uc6a9 \uc2dc \ucd94\ucca8\uc744 \ud1b5\ud574 \ud3ec\uc778\ud2b8\ub97c \uc99d\uc815\ud558\ub294 \uc774\ubca4\ud2b8\ub3c4 \uc9c4\ud589\ub418\ub294 \ub4f1, \ucd94\uac00 \ud61c\ud0dd\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\uc740\ud589 CD\ub098 ATM\uae30\uc5d0\uc11c\ub3c4 \uce74\ub4dc \ub0a9\ubd80\uac00 \uac00\ub2a5\ud558\uba70, \uc790\ud589 \uce74\ub4dc\ub97c \uc0ac\uc6a9\ud558\uba74 \uc218\uc218\ub8cc\uac00 \ubc1c\uc0dd\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uc790\ub3d9\ucc28\uc138 \uc5f0\ub0a9 \uc8fc\uc758\uc0ac\ud56d<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"539\" src=\"https:\/\/joafinance.com\/wp-content\/uploads\/2026\/02\/image-4-1024x539.jpeg\" alt=\"\" class=\"wp-image-625\" srcset=\"https:\/\/joafinance.com\/wp-content\/uploads\/2026\/02\/image-4-1024x539.jpeg 1024w, https:\/\/joafinance.com\/wp-content\/uploads\/2026\/02\/image-4-300x158.jpeg 300w, https:\/\/joafinance.com\/wp-content\/uploads\/2026\/02\/image-4-768x404.jpeg 768w, https:\/\/joafinance.com\/wp-content\/uploads\/2026\/02\/image-4-1536x808.jpeg 1536w, https:\/\/joafinance.com\/wp-content\/uploads\/2026\/02\/image-4.jpeg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\uc0ac\uc9c4 \ucd9c\ucc98 (<a href=\"https:\/\/help.3o3.co.kr\/hc\/ko\/articles\/19825610496025-%EC%9E%90%EB%8F%99%EC%B0%A8%EC%84%B8-%EC%97%B0%EB%82%A9-%ED%95%A0%EC%9D%B8-%ED%98%9C%ED%83%9D-%EC%99%9C-%EC%97%86%EC%96%B4%EC%A7%80%EB%8A%94-%EA%B1%B8%EA%B9%8C-ft-%ED%99%9C%EC%9A%A9-%ED%8C%81\" target=\"_blank\" rel=\"noopener\">3o3<\/a>)<\/p>\n\n\n\n<p>\uc5f0\ub0a9 \uc2e0\uccad \ud6c4 \ub0a9\ubd80\ub97c \uae5c\ube61\ud558\ub294 \ubd84\ub4e4\ub3c4 \uacc4\uc2ed\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\uc2e0\uccad\ub9cc \ud558\uace0 \ub0a9\ubd80\ud558\uc9c0 \uc54a\uc73c\uba74 6\uc6d4\uacfc 12\uc6d4\uc5d0 \uc815\uae30\ubd84 \uace0\uc9c0\uc11c\uac00 \ubc1c\uc1a1\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub530\ub77c\uc11c \uc2e0\uccad\uacfc \ub0a9\ubd80\ub97c \ud55c \ubc88\uc5d0 \ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\ub9cc\uc57d \ud5f7\uac08\ub9b0\ub2e4\uba74 \ub0a9\ubd80 \uc5ec\ubd80\ub97c \uc704\ud0dd\uc2a4\uc5d0\uc11c \ubc18\ub4dc\uc2dc \ud655\uc778\ud558\uc2e4 \uc218 \uc788\uc8e0.&nbsp;<\/p>\n\n\n\n<p>\uc5f0\ub0a9 \ud6c4 \ucc28\ub7c9\uc744 \uc591\ub3c4\ud558\uac70\ub098 \ud3d0\ucc28\ud574\ub3c4 \uac71\uc815\ud560 \ud544\uc694 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub0a8\uc740 \uae30\uac04\uc5d0 \ud574\ub2f9\ud558\ub294 \uc138\uae08\uc740 \uc77c\ud560 \uacc4\uc0b0\ub418\uc5b4 \ud658\uae09\ubc1b\uc744 \uc218 \uc788\uc8e0.<\/p>\n\n\n\n<p>\ubcc4\ub3c4 \uc2e0\uccad \uc5c6\uc774\ub3c4 \ud658\uae09 \uc548\ub0b4\ubb38\uc774 \ubc1c\uc1a1\ub418\uba70, \uc704\ud0dd\uc2a4\uc5d0\uc11c \ud658\uae09 \uacc4\uc88c\ub97c \ubbf8\ub9ac \ub4f1\ub85d\ud558\uba74 \ub354 \ube60\ub974\uac8c \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uae00\uc744 \ub9c8\uce58\uba70&nbsp;<\/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=\"[\uc2e0\uc120\ud55c \uacbd\uc81c] &quot;\uc790\ub3d9\ucc28\uc138 \uc5f0\ub0a9 \uc2e0\uccad \ub193\ucce4\ub2e4\uba74 \ub2e4\uc74c \ub2ec\uc5d0 \uaf2d \ud558\uc138\uc694&quot; (2022.02.16\/\ub274\uc2a4\ud22c\ub370\uc774\/MBC)\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/LrrUwWCINBQ?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>\uc601\uc0c1 \ucd9c\ucc98 (<a href=\"https:\/\/www.youtube.com\/@MBCNEWS11\" target=\"_blank\" rel=\"noopener\">MBCNEWS11<\/a>)<\/p>\n\n\n\n<p>\uc790\ub3d9\ucc28\uc138 \uc5f0\ub0a9\uc740 \ud655\uc2e4\ud55c \uc808\uc138 \uc218\ub2e8\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>1\uc6d4\uc5d0 \ubbf8\ub9ac \ub0a9\ubd80\ud558\uba74 \ucd5c\ub300 4.6%\uc758 \ud560\uc778\uc744 \ubc1b\uc744 \uc218 \uc788\uc73c\uba70, 5\ubd84\uc774\uba74 \uc2e0\uccad\uacfc \ub0a9\ubd80\ub97c \ub9c8\uce60 \uc218 \uc788\uc744 \ub9cc\ud07c \uac04\ub2e8\ud569\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\uc2e0\uc6a9\uce74\ub4dc \ubb34\uc774\uc790 \ud560\ubd80\uc640 \ud3ec\uc778\ud2b8 \uc801\ub9bd\uae4c\uc9c0 \ucc59\uae38 \uc218 \uc788\uc73c\ub2c8, \ubbf8\ub9ac \ud61c\ud0dd\uc744 \ucc3e\uc544\ubcf4\uc2dc\uae38 \ubc14\ub78d\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>1\uc6d4\uc744 \ub193\ucce4\ub354\ub77c\ub3c4 3\uc6d4, 6\uc6d4, 9\uc6d4\uc5d0 \uae30\ud68c\uac00 \uc788\uc73c\ub2c8 \ub2a6\ub354\ub77c\ub3c4 \uc2e0\uccad\ud574\ubcf4\uc2dc\uae38 \ubc14\ub78d\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\ub9e4\ub144 1\uc6d4 16\uc77c \uc54c\ub9bc\uc744 \uc124\uc815\ud574\ub450\uba74 \uc808\uc138 \ud61c\ud0dd\uc744 \ub193\uce58\ub294 \uc77c\uc744 \ubc29\uc9c0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\uc544\uc26c\uc6b4 \uc810\uc740 \uc62c\ud574\uac00 5% \ud560\uc778\uc744 \ubc1b\uc744 \uc218 \uc788\ub294 \ub9c8\uc9c0\ub9c9 \uae30\ud68c\uc77c \uc218\ub3c4 \uc788\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p>\uce58\ud0a8 \ud55c \ub9c8\ub9ac \uac12 \uc774\uc0c1\uc758 \ub3c8\uc744 \uc544\ub084 \uc218 \uc788\ub294 \ub9cc\ud07c, \ub611\ub611\ud55c \uc138\uae08 \uad00\ub9ac\ub85c \ud55c \ud574\ub97c \uc2dc\uc791\ud574\ubcf4\uc2dc\uae38 \ubc14\ub78d\ub2c8\ub2e4.&nbsp;<\/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\/2026\/01\/joafinance.com-G-40.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=544\" target=\"_blank\" rel=\"noopener noreferrer\">\ud574\uc678\uc8fc\uc2dd \uc591\ub3c4\uc18c\ub4dd\uc138 250\ub9cc\uc6d0 \ubbf8\ub9cc \uc2e0\uace0 \uc548\ud558\uba74? \uc2e0\uace0 \ubc29\ubc95 \ucd1d\uc815\ub9ac &#8211; \uc870\uc544\ud30c\uc774\ub0b8\uc2a4<\/a>\n\t\t\t\t\t\t<span class=\"p-blogCard__excerpt\">\ud574\uc678\uc8fc\uc2dd \ud22c\uc790\uac00 \ub300\uc911\ud654\ub418\uba74\uc11c, \ub9e4\ub144 5\uc6d4 \uac1c\uc778 \ud22c\uc790\uc790\ub4e4 \uc0ac\uc774\uc5d0\uc11c \ube44\uc2b7\ud55c \uc9c8\ubb38\uc774 \ubc18\ubcf5\ub418\uace0 \uc788\uc2b5\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>\ucc28\uc8fc \ubd84\ub4e4\uc774 \ub9e4\ub144 1\uc6d4\ub9c8\ub2e4 \ucc59\uaca8\uc57c \ud558\ub294 \ud61c\ud0dd, \ubc14\ub85c \uc790\ub3d9\ucc28\uc138 \uc5f0\ub0a9 \ud560\uc778\uc785\ub2c8\ub2e4. 6\uc6d4\uacfc 12\uc6d4\uc5d0 \ub0bc \uc790\ub3d9\ucc28\uc138\ub97c \ud55c\uaebc\ubc88\uc5d0 \ubbf8\ub9ac \ub0a9\ubd80\ud558\uba74 \uc138\uae08 \uc77c\ubd80\ub97c \ub3cc\ub824\ubc1b\ub294 \uc81c\ub3c4\uc8e0.&nbsp; \uc5b4\ucc28\ud53c \ub0bc \uc138\uae08\uc774\ub77c\uba74 \ud560\uc778\ubc1b\ub294 \ud3b8\uc774 \uc774\ub4dd\uc778 \ub9cc\ud07c, \ub9ce\uc740 \ubd84\ub4e4\uc774 \uc774\ub97c \uc560\uc6a9\ud558\uc2ed\ub2c8\ub2e4.&nbsp; \uc624\ub298\uc740 \uc790\ub3d9\ucc28\uc138 \uc5f0\ub0a9 \ud560\uc778\uc728\uacfc \uc2e0\uccad \ubc0f \uce74\ub4dc \ub0a9\ubd80 \ubc29\ubc95\uc744 \ucd1d\uc815\ub9ac \ud558\uaca0\uc2b5\ub2c8\ub2e4.&nbsp; \uc790\ub3d9\ucc28\uc138 \uc5f0\ub0a9 : \ud560\uc778\uc728\uc740 \uc5bc\ub9c8\ub098 \ub420\uae4c? \uc0ac\uc9c4 \ucd9c\ucc98 (card-gorilla) 2025\ub144 \uc790\ub3d9\ucc28\uc138 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":626,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"swell_btn_cv_data":"","footnotes":""},"categories":[6],"tags":[],"class_list":["post-620","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\/620","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=620"}],"version-history":[{"count":2,"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/posts\/620\/revisions"}],"predecessor-version":[{"id":741,"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/posts\/620\/revisions\/741"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=\/wp\/v2\/media\/626"}],"wp:attachment":[{"href":"https:\/\/joafinance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=620"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=620"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/joafinance.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=620"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}