{"id":85,"date":"2026-05-08T11:09:51","date_gmt":"2026-05-08T02:09:51","guid":{"rendered":"https:\/\/jusikrank.pe.kr\/?p=85"},"modified":"2026-05-08T11:09:51","modified_gmt":"2026-05-08T02:09:51","slug":"%ec%82%ac%ed%9a%8c%ec%b4%88%eb%85%84%ec%83%9d%ec%9d%b4-%ea%b0%80%ec%9e%85%ed%95%b4%ec%95%bc-%ed%95%a0-%ea%b8%88%ec%9c%b5-%ea%b3%84%ec%a2%8c-%ec%88%9c%ec%84%9c-%ec%9e%85%ec%82%ac-%ec%b2%ab-%eb%8b%ac","status":"publish","type":"post","link":"https:\/\/jusikrank.pe.kr\/?p=85","title":{"rendered":"\uc0ac\ud68c\ucd08\ub144\uc0dd\uc774 \uac00\uc785\ud574\uc57c \ud560 \uae08\uc735 \uacc4\uc88c \uc21c\uc11c (\uc785\uc0ac \uccab \ub2ec \uccb4\ud06c\ub9ac\uc2a4\ud2b8)"},"content":{"rendered":"
\n

\n\uc785\uc0ac \uccab\ub0a0 \uc778\uc0ac\ud300\uc5d0\uc11c \uae09\uc5ec\ud1b5\uc7a5 \uac1c\uc124\ud558\ub77c\uace0 \ud588\uc744 \ub54c, \ub098\ub294 \uadf8\ub0e5 \uc9d1 \uadfc\ucc98 \uc740\ud589 \ud1b5\uc7a5\uc744 \ub0c8\ub2e4.
\n\uadf8\uac8c \ud3b8\ud574\uc11c\uc600\ub294\ub370, \ub098\uc911\uc5d0 \uc54c\uace0 \ubcf4\ub2c8 \uadf8 \uc120\ud0dd \ud558\ub098\uac00 \uaf64 \uc624\ub798 \uc601\ud5a5\uc744 \ubbf8\ucce4\ub2e4.
\n\uc218\uc218\ub8cc \uba74\uc81c\ub3c4 \ubabb \ubc1b\uace0, \uc6b0\ub300 \uae08\ub9ac\ub3c4 \ub193\uce58\uace0.
\n\uc5b4\ub5a4 \uacc4\uc88c\ub97c \uc5b4\ub5a4 \uc21c\uc11c\ub85c \ub9cc\ub4e4\uc5b4\uc57c \ud558\ub294\uc9c0, \uc544\ubb34\ub3c4 \uc785\uc0ac \uc804\uc5d0 \uc54c\ub824\uc8fc\uc9c0 \uc54a\ub294\ub2e4.\n<\/p>\n

\"\uc740\ud589<\/figure>\n

\n\uacc4\uc88c \uac1c\uc124 \uc21c\uc11c\uac00 \uc65c \uc911\uc694\ud55c\uac00<\/h2>\n

\n\uc0ac\ud68c\ucd08\ub144\uc0dd\uc774 \uc785\uc0ac \ud6c4 \ub9cc\ub4e4\uc5b4\uc57c \ud560 \uacc4\uc88c\ub294 \ud06c\uac8c \ub2e4\uc12f \uc885\ub958\ub2e4.
\n\uae09\uc5ec\ud1b5\uc7a5, \ud30c\ud0b9\ud1b5\uc7a5(\ube44\uc0c1\uae08), \uccad\ub144 \uc804\uc6a9 \uc801\uae08, ISA \uacc4\uc88c, \uc5f0\uae08\uc800\ucd95\ud380\ub4dc.
\n\ub2e4 \uc911\uc694\ud558\uae34 \ud55c\ub370, \ud55c\uaebc\ubc88\uc5d0 \ub9cc\ub4e4\ub824\uace0 \ud558\uba74 \ubb50\uac00 \ubb54\uc9c0 \ud5f7\uac08\ub9ac\uace0 \uc6b0\uc120\uc21c\uc704\ub97c \uc783\uac8c \ub41c\ub2e4.\n<\/p>\n

\n\uc21c\uc11c\uac00 \uc911\uc694\ud55c \uc774\uc720\ub294 \uacc4\uc88c\ub9c8\ub2e4 \uac00\uc785 \uac00\ub2a5 \uae30\uac04\uc774\ub098 \uc790\uaca9 \uc870\uac74\uc774 \ub2e4\ub974\uae30 \ub54c\ubb38<\/strong>\uc774\ub2e4.
\n\uccad\ub144\ub3c4\uc57d\uacc4\uc88c\ub294 \ub9cc 34\uc138 \uc774\ud558, \uc5f0\uc18c\ub4dd 7,500\ub9cc\uc6d0 \uc774\ud558 \uc870\uac74\uc774 \uc788\uace0, ISA \uacc4\uc88c\ub294 \ub204\uad6c\ub098 \ub418\uc9c0\ub9cc
\n\uae08\uc735\uc18c\ub4dd\uc885\ud569\uacfc\uc138 \ub300\uc0c1\uc790\ub294 \uac00\uc785 \ubd88\uac00\ub2e4. \uc774\ub7f0 \uc870\uac74\uc744 \ubaa8\ub974\uace0 \ub098\uc911\uc5d0 \ub9cc\ub4e4\ub824 \ud558\uba74 \uc790\uaca9\uc774 \uc548 \ub418\uac70\ub098
\n\ud61c\ud0dd\uc744 \ub35c \ubc1b\uac8c \ub41c\ub2e4.\n<\/p>\n

\"\uc785\uc0ac
\u25b2 \uc785\uc0ac \uccab \ub2ec \uacc4\uc88c \uac1c\uc124 \uc6b0\uc120\uc21c\uc704 (2026\ub144 \uae30\uc900)<\/figcaption><\/figure>\n

\n1\uc21c\uc704: \uae09\uc5ec\ud1b5\uc7a5 \u2014 \ub2e8\uc21c\ud574 \ubcf4\uc774\uc9c0\ub9cc \uc120\ud0dd\uc774 \uc911\uc694\ud558\ub2e4<\/h2>\n

\n\uae09\uc5ec\ud1b5\uc7a5\uc740 \ud68c\uc0ac\uc5d0\uc11c \uc9c0\uc815\ud574\uc8fc\uac70\ub098 \uc544\ub2c8\uba74 \ubcf8\uc778\uc774 \uc120\ud0dd\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\ub2e4.
\n\uadf8\ub7f0\ub370 \uc5ec\uae30\uc11c \uadf8\ub0e5 \uc544\ubb34 \uc740\ud589\uc774\ub098 \uc4f0\uba74 \uc190\ud574\ub2e4.
\n\uc740\ud589\ub4e4\uc740 \uae09\uc5ec\uc774\uccb4 \uc2e4\uc801\uc774 \uc788\ub294 \uacc4\uc88c\uc5d0 ATM \uc218\uc218\ub8cc \uba74\uc81c, \ud0c0\ud589\uc774\uccb4 \uc218\uc218\ub8cc \uba74\uc81c, \uc6b0\ub300 \uae08\ub9ac<\/strong> \ub4f1\uc744 \uc81c\uacf5\ud55c\ub2e4.\n<\/p>\n

\n\ub0b4\uac00 \ucc98\uc74c\uc5d0 \uae09\uc5ec\ud1b5\uc7a5\uc744 \uc798\ubabb \uc120\ud0dd\ud574\uc11c 6\uac1c\uc6d4 \ub3d9\uc548 ATM \uc218\uc218\ub8cc\ub97c \ub9e4\ub2ec \ub0c8\ub2e4.
\n\ud55c \ubc88\uc5d0 800\uc6d0\uc774\uc5c8\ub294\ub370, \ud55c \ub2ec\uc5d0 \uc11c\ub108 \ubc88 \uc4f0\uba74 3,000\uc6d0 \ub118\uac8c \ub098\uac04\ub2e4.
\n1\ub144\uc774\uba74 3~4\ub9cc\uc6d0. \ud06c\uc9c0 \uc54a\uc544 \ubcf4\uc774\uc9c0\ub9cc, \ub9c9\uc744 \uc218 \uc788\uc5c8\ub358 \uc9c0\ucd9c\uc774\ub2e4.\n<\/p>\n

\n\uae09\uc5ec\ud1b5\uc7a5 \uc120\ud0dd \uae30\uc900\uc744 \uc815\ub9ac\ud558\uba74 \uc774\ub807\ub2e4.\n<\/p>\n\n\n\n\n\n\n\n\n
\uc740\ud589<\/th>\n\uae09\uc5ec\uc774\uccb4 \uc6b0\ub300 \ud61c\ud0dd<\/th>\n\ucd94\ucc9c \uc774\uc720<\/th>\n<\/tr>\n<\/thead>\n
\uce74\uce74\uc624\ubc45\ud06c<\/td>\n\uae09\uc5ec\uc774\uccb4 \uc2dc ATM\u00b7\uc774\uccb4 \uc218\uc218\ub8cc \ubb34\uc81c\ud55c \uba74\uc81c<\/td>\n\uc571 \uc0ac\uc6a9 \ud3b8\ub9ac, \uc138\uc774\ud504\ubc15\uc2a4(\ud30c\ud0b9) \uc5f0\ub3d9 \uc26c\uc6c0<\/td>\n<\/tr>\n
\ud1a0\uc2a4\ubc45\ud06c<\/td>\n\uc218\uc218\ub8cc \uba74\uc81c + \ud1b5\uc7a5 \uc804\uccb4 2% \uae08\ub9ac<\/td>\n\uae09\uc5ec\ud1b5\uc7a5 \uc790\uccb4\uac00 \ud30c\ud0b9\ud1b5\uc7a5 \uae30\ub2a5 \uacb8\ud568<\/td>\n<\/tr>\n
\uad6d\ubbfc\uc740\ud589 KB\uc2a4\ud0c0\ubc45\ud0b9<\/td>\n\uae09\uc5ec\uc774\uccb4 \uc2e4\uc801 \uc2dc \ud0c0\ud589\uc774\uccb4 20\ud68c \ubb34\ub8cc<\/td>\n\uc624\ud504\ub77c\uc778 \ucc3d\uad6c \ud544\uc694\ud560 \ub54c \uc811\uadfc\uc131 \uc88b\uc74c<\/td>\n<\/tr>\n
\uc2e0\ud55c\uc740\ud589 SOL<\/td>\n\uae09\uc5ec\uc774\uccb4 \uc2e4\uc801 \uc2dc ATM \uc6d4 10\ud68c \ubb34\ub8cc<\/td>\n\uc2e0\ud55c\uce74\ub4dc\uc640 \uc5f0\ub3d9 \uc2dc \ucd94\uac00 \ud61c\ud0dd \uac00\ub2a5<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\n\u203b 2026\ub144 5\uc6d4 \uae30\uc900. \ud61c\ud0dd \uc870\uac74\uc740 \uc218\uc2dc \ubcc0\uacbd\ub418\ubbc0\ub85c \uac00\uc785 \uc804 \uacf5\uc2dd \uc571\uc5d0\uc11c \ud655\uc778 \ud544\uc694.\n<\/p>\n

\n\uc194\uc9c1\ud788 \ub9d0\ud558\uba74 \ud68c\uc0ac \uc8fc\uac70\ub798 \uc740\ud589\uc774 \uc9c0\uc815\ub41c \uacbd\uc6b0\uac00 \ub9ce\uc544\uc11c \uc120\ud0dd\uad8c\uc774 \uc5c6\uc744 \ub54c\ub3c4 \uc788\ub2e4.
\n\uadf8\ub7f4 \ub54c\ub294 \ud68c\uc0ac \uc9c0\uc815 \uc740\ud589\uc744 \uae09\uc5ec\ud1b5\uc7a5\uc73c\ub85c \uc4f0\ub418, \uce74\uce74\uc624\ubc45\ud06c\ub098 \ud1a0\uc2a4\ubc45\ud06c\ub97c \uba54\uc778 \uc0dd\ud65c\ube44 \ud1b5\uc7a5\uc73c\ub85c<\/strong>
\n\ubcc4\ub3c4 \ud65c\uc6a9\ud558\ub294 \uac8c \ud604\uc2e4\uc801\uc778 \ubc29\ubc95\uc774\ub2e4.\n<\/p>\n

\n2\uc21c\uc704: \ud30c\ud0b9\ud1b5\uc7a5 \u2014 \ube44\uc0c1\uae08 \uc804\uc6a9 \uacc4\uc88c\ub294 \ub530\ub85c \ub9cc\ub4e4\uc5b4\uc57c \ud55c\ub2e4<\/h2>\n

\n\uae09\uc5ec\ud1b5\uc7a5\uc774 \uc0dd\uae30\uba74 \ubc14\ub85c \ub2e4\uc74c\uc73c\ub85c \ud560 \uc77c\uc740 \ube44\uc0c1\uae08 \uc804\uc6a9 \ud1b5\uc7a5\uc744 \ubd84\ub9ac\ud558\ub294 \uac83\uc774\ub2e4.
\n\uac19\uc740 \ud1b5\uc7a5\uc5d0 \uae09\uc5ec\ub3c4 \ub4e4\uc5b4\uc624\uace0 \ube44\uc0c1\uae08\ub3c4 \uac19\uc774 \uc788\uc73c\uba74 \uacbd\uacc4\uac00 \uc5c6\uc5b4\uc11c \uadf8\ub0e5 \ub2e4 \uc368\ubc84\ub9ac\uac8c \ub41c\ub2e4.
\n\ub098\ub294 \ucd08\ubc18\uc5d0 \uc774\uac78 \uad6c\ubd84 \uc548 \ud588\ub354\ub2c8 \uc785\uc0ac 4\uac1c\uc6d4 \ub9cc\uc5d0 \ud1b5\uc7a5\uc5d0 30\ub9cc\uc6d0\ubc16\uc5d0 \uc548 \ub0a8\uc544 \uc788\uc5c8\ub2e4.\n<\/p>\n

\n\ube44\uc0c1\uae08 \ud1b5\uc7a5\uc740 \uc790\uc720\uc785\ucd9c\uae08\uc774\uba74\uc11c \uae08\ub9ac\uac00 \ub192\uc740 \ud30c\ud0b9\ud1b5\uc7a5<\/strong>\uc774 \uc801\ud569\ud558\ub2e4.
\n\ucf00\uc774\ubc45\ud06c \ud30c\ud0b9\ud1b5\uc7a5(\uc5f0 2.3%), SBI\uc800\ucd95\uc740\ud589 \uc0ac\uc774\ub2e4\ubc45\ud06c(\uc5f0 3~3.5%) \ub4f1\uc744 \ud65c\uc6a9\ud558\uba74
\n\uadf8\ub0e5 \uc785\ucd9c\uae08 \ud1b5\uc7a5\ubcf4\ub2e4 20~30\ubc30 \ub192\uc740 \uc774\uc790\ub97c \ubc1b\uc744 \uc218 \uc788\ub2e4.\n<\/p>\n

\n\ubaa9\ud45c \uae08\uc561\uc740 \uc6d4 \uc0dd\ud65c\ube44 3\uac1c\uc6d4\uce58<\/strong>\ub2e4.
\n\uc11c\uc6b8 \uc790\ucde8 \uae30\uc900 \uc6d4 150\ub9cc\uc6d0\uc774\uba74 \ube44\uc0c1\uae08 \ubaa9\ud45c\ub294 450\ub9cc\uc6d0\uc774\ub2e4.
\n\ucc98\uc74c\ubd80\ud130 \ub2e4 \ucc44\uc6b0\ub824 \ud558\uc9c0 \ub9d0\uace0 \ub9e4\ub2ec 10~30\ub9cc\uc6d0\uc529 \uc790\ub3d9\uc774\uccb4\ub85c \ucc44\uc6cc\uac00\uba74 \ub41c\ub2e4.
\n\ube44\uc0c1\uae08\uc774 \ubaa9\ud45c\uce58\uc5d0 \ub3c4\ub2ec\ud558\uba74 \uadf8 \uae08\uc561\uc740 \uac74\ub4dc\ub9ac\uc9c0 \uc54a\ub294 \uac8c \uc6d0\uce59\uc774\ub2e4.\n<\/p>\n

\n3\uc21c\uc704: \uccad\ub144\ub3c4\uc57d\uacc4\uc88c \u2014 \uc815\ubd80 \uae30\uc5ec\uae08\uc774 \ubd99\ub294 \uc801\uae08\uc740 \ube68\ub9ac \uc2dc\uc791\ud560\uc218\ub85d \uc720\ub9ac\ud558\ub2e4<\/h2>\n

\n\uccad\ub144\ub3c4\uc57d\uacc4\uc88c\ub294 \ub9cc 19~34\uc138, \uac1c\uc778\uc18c\ub4dd 7,500\ub9cc\uc6d0 \uc774\ud558<\/strong>\uc778 \uc0ac\ub78c\uc774 \uac00\uc785\ud560 \uc218 \uc788\ub2e4.
\n\uc6d4 70\ub9cc\uc6d0\uae4c\uc9c0 \ub0a9\uc785 \uac00\ub2a5\ud558\uace0, \uc815\ubd80\uac00 \uc18c\ub4dd \uad6c\uac04\uc5d0 \ub530\ub77c \uc6d4 \ucd5c\ub300 2\ub9cc 4\ucc9c\uc6d0\uc758 \uae30\uc5ec\uae08<\/strong>\uc744 \uc5b9\uc5b4\uc900\ub2e4.
\n\ub9cc\uae30 5\ub144\uc774\uace0, \ube44\uacfc\uc138 \ud61c\ud0dd\uae4c\uc9c0 \uc788\ub2e4.\n<\/p>\n

\n\uc5f0\ubd09 3,600\ub9cc\uc6d0 \uc774\ud558\uba74 \uc815\ubd80 \uae30\uc5ec\uae08\uc774 \uac00\uc7a5 \ub192\ub2e4.
\n5\ub144 \ub0a9\uc785 \uc2dc \uc815\ubd80 \uae30\uc5ec\uae08\ub9cc \ucd5c\ub300 144\ub9cc\uc6d0\uc774 \ucd94\uac00\ub41c\ub2e4.
\n\uac70\uae30\uc5d0 \uc740\ud589 \uc774\uc790\uae4c\uc9c0 \ub354\ud558\uba74 \uc77c\ubc18 \uc801\uae08\ubcf4\ub2e4 \ud6e8\uc52c \uc720\ub9ac\ud558\ub2e4.\n<\/p>\n

\n\ub2e4\ub9cc \uc8fc\uc758\ud560 \uc810\uc774 \uc788\ub2e4. 5\ub144 \ub9cc\uae30 \uc0c1\ud488\uc774\ub77c \uc911\ub3c4 \ud574\uc9c0\ud558\uba74 \ube44\uacfc\uc138 \ud61c\ud0dd\uc774 \uc0ac\ub77c\uc9c0\uace0
\n\uc815\ubd80 \uae30\uc5ec\uae08\ub3c4 \ubc18\ud658\ud574\uc57c \ud55c\ub2e4. \ub9e4\ub2ec 70\ub9cc\uc6d0\uc774 \ubd80\ub2f4\ub418\uba74 \ucc98\uc74c\uc5d0\ub294 20~30\ub9cc\uc6d0\uc73c\ub85c \uc2dc\uc791\ud574\ub3c4 \ub41c\ub2e4.
\n\ub0a9\uc785\uc561\uc740 \ub098\uc911\uc5d0 \ub298\ub9b4 \uc218 \uc788\uc9c0\ub9cc \uc904\uc774\ub294 \uac74 \uc548 \ub418\ub2c8, \uc5ec\uc720 \uc788\ub294 \uae08\uc561\uc73c\ub85c \uc2dc\uc791\ud558\ub294 \uac8c \ub0ab\ub2e4.\n<\/p>\n\n\n\n\n\n\n\n\n\n
\uc18c\ub4dd \uad6c\uac04<\/th>\n\uc815\ubd80 \uae30\uc5ec\uae08<\/th>\n\uae30\uc5ec\uae08 \ud55c\ub3c4 (\uc6d4 70\ub9cc\uc6d0 \ub0a9\uc785 \uc2dc)<\/th>\n<\/tr>\n<\/thead>\n
2,400\ub9cc\uc6d0 \uc774\ud558<\/td>\n\ub0a9\uc785\uc561\uc758 6%<\/td>\n\uc6d4 24,000\uc6d0<\/td>\n<\/tr>\n
3,600\ub9cc\uc6d0 \uc774\ud558<\/td>\n\ub0a9\uc785\uc561\uc758 4.6%<\/td>\n\uc6d4 21,000\uc6d0<\/td>\n<\/tr>\n
4,800\ub9cc\uc6d0 \uc774\ud558<\/td>\n\ub0a9\uc785\uc561\uc758 3.7%<\/td>\n\uc6d4 17,000\uc6d0<\/td>\n<\/tr>\n
6,000\ub9cc\uc6d0 \uc774\ud558<\/td>\n\ub0a9\uc785\uc561\uc758 3%<\/td>\n\uc6d4 10,000\uc6d0<\/td>\n<\/tr>\n
7,500\ub9cc\uc6d0 \uc774\ud558<\/td>\n\uae30\uc5ec\uae08 \uc5c6\uc74c (\ube44\uacfc\uc138\ub9cc)<\/td>\n\u2014<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\n4\uc21c\uc704: ISA \uacc4\uc88c \u2014 \uc808\uc138 \ud22c\uc790\uc758 \uc2dc\uc791\uc810<\/h2>\n

\nISA(\uac1c\uc778\uc885\ud569\uc790\uc0b0\uad00\ub9ac\uacc4\uc88c)\ub294 \uc774\uc790, \ubc30\ub2f9, \ud22c\uc790 \uc218\uc775\uc744 \uc5f0 200\ub9cc\uc6d0(\uc11c\ubbfc\ud615\uc740 400\ub9cc\uc6d0)\uae4c\uc9c0 \ube44\uacfc\uc138<\/strong>\ub85c
\n\ucc98\ub9ac\ud574\uc8fc\ub294 \uacc4\uc88c\ub2e4. \uc77c\ubc18 \ud1b5\uc7a5\uc774\ub098 \uc99d\uad8c\uacc4\uc88c\uc5d0\uc11c ETF\ub97c \uc0ac\uba74 \ubc30\ub2f9 \uc18c\ub4dd\uc5d0 15.4% \uc138\uae08\uc774 \ubd99\ub294\ub370,
\nISA \uc548\uc5d0\uc11c \ud558\uba74 \uc774\uac8c 0\uc6d0\uc774 \ub41c\ub2e4.\n<\/p>\n

\nISA \uacc4\uc88c\ub294 3\ub144 \uc774\uc0c1 \uc720\uc9c0\ud574\uc57c \ube44\uacfc\uc138 \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\ub2e4.
\n\uac00\uc785 \uc790\uaca9\uc740 19\uc138 \uc774\uc0c1 \uac70\uc8fc\uc790\uba74 \ub204\uad6c\ub098 \ub418\uc9c0\ub9cc,
\n\uae08\uc735\uc18c\ub4dd\uc885\ud569\uacfc\uc138 \ub300\uc0c1\uc790(\uc774\uc790\u00b7\ubc30\ub2f9 \uc5f0 2\ucc9c\ub9cc\uc6d0 \ucd08\uacfc)\ub294 \uc81c\uc678<\/strong>\ub41c\ub2e4.
\n\uc0ac\ud68c\ucd08\ub144\uc0dd\uc774\ub77c\uba74 \uac70\uc758 \ub2e4 \ud574\ub2f9\uc774 \uc548 \ub418\ub2c8\uae4c \ubb34\uc870\uac74 \ube68\ub9ac \ub9cc\ub4dc\ub294 \uac8c \ub0ab\ub2e4.\n<\/p>\n

\nISA \uacc4\uc88c \uc885\ub958\ub294 3\uac00\uc9c0\uc778\ub370, \uc0ac\ud68c\ucd08\ub144\uc0dd\uc5d0\uac8c\ub294 \uc911\uac1c\ud615 ISA<\/strong>\uac00 \uac00\uc7a5 \uc88b\ub2e4.
\n\uc8fc\uc2dd, ETF\ub97c \uc9c1\uc811 \uc0b4 \uc218 \uc788\uace0 \ud22c\uc790 \uc885\ubaa9 \uc120\ud0dd\uc758 \uc790\uc720\ub3c4\uac00 \ub192\ub2e4.
\n\ucc98\uc74c\uc5d0 \uc18c\uc561\uc774\ub77c\ub3c4 S&P500 ETF(TIGER \ubbf8\uad6dS&P500 \uac19\uc740 \uac83) \ud558\ub098\ub9cc \uc0ac\ub3c4 \ub41c\ub2e4.\n<\/p>\n

\n5\uc21c\uc704: \uc5f0\uae08\uc800\ucd95\ud380\ub4dc\/IRP \u2014 \uc5ec\uc720\uac00 \uc0dd\uae30\uba74 \uadf8\ub54c \uc2dc\uc791\ud574\ub3c4 \ub2a6\uc9c0 \uc54a\ub2e4<\/h2>\n

\n\uc5f0\uae08\uc800\ucd95\uacfc IRP\ub294 \uc5f0\ub9d0\uc815\uc0b0 \uc138\uc561\uacf5\uc81c<\/strong>\uac00 \ud575\uc2ec\uc774\ub2e4.
\n\uc5f0\uae08\uc800\ucd95 \uc5f0 400\ub9cc\uc6d0 + IRP \uc5f0 300\ub9cc\uc6d0 = \ucd5c\ub300 700\ub9cc\uc6d0 \ub0a9\uc785 \uc2dc
\n\uc5f0\ubd09 5,500\ub9cc\uc6d0 \uc774\ud558 \uae30\uc900 \uc138\uc561\uacf5\uc81c\uc728 16.5%<\/strong>\ub85c \ucd5c\ub300 115\ub9cc 5\ucc9c\uc6d0\uc744 \ub3cc\ub824\ubc1b\ub294\ub2e4.\n<\/p>\n

\n\uadf8\ub7f0\ub370 \uc5ec\uae30\uc11c \uc194\uc9c1\ud788 \ub9d0\ud558\uba74, \uc785\uc0ac \uccab \ub2ec\ubd80\ud130 \uc5f0\uae08\uc800\ucd95\uae4c\uc9c0 \uc2e0\uacbd \uc4f0\uba74 \uba38\ub9ac\uac00 \ud130\uc9c4\ub2e4.
\n1~4\uc21c\uc704\ub97c \uba3c\uc800 \uc138\ud305\ud558\uace0, \uc6d4\uae09\uc5d0 \uc5b4\ub290 \uc815\ub3c4 \uc5ec\uc720\uac00 \uc0dd\uae34 \ub4a4(\ubcf4\ud1b5 \uc785\uc0ac 3~6\uac1c\uc6d4\ucc28)\uc5d0
\n\uc5f0\uae08\uc800\ucd95 \uc6d4 \ub0a9\uc785\uc561\uc744 \uc815\ud558\ub294 \uac8c \ud604\uc2e4\uc801\uc774\ub2e4.\n<\/p>\n

\n\uc5f0\ub9d0\uc815\uc0b0 \uc138\uc561\uacf5\uc81c \ud6a8\uacfc\ub97c \ubcf4\ub824\uba74 \uc5f0\uac04 400\ub9cc\uc6d0(\uc6d4 \uc57d 33\ub9cc\uc6d0)\uc774 \uae30\uc900\uc774\ub2e4.
\n\ucc98\uc74c\uc5d4 \uc6d4 10\ub9cc\uc6d0\uc529 \uc2dc\uc791\ud574\uc11c \uc5f0\ubd09\uc774 \uc624\ub974\uba74 \ub0a9\uc785\uc561\uc744 \ub298\ub824\uac00\ub294 \uc804\ub7b5\uc774 \ubd80\ub2f4\uc774 \uc801\ub2e4.\n<\/p>\n

\"\uc6d4\uae09
\u25b2 \uc6d4\uae09 300\ub9cc\uc6d0 \uae30\uc900 \uacc4\uc88c\ubcc4 \ubc30\ubd84 \uc608\uc2dc \ubc0f 1\ub144\uac04 \ub204\uc801 \ucd94\uc774<\/figcaption><\/figure>\n

\n\uc785\uc0ac \uccab \ub2ec \uae08\uc735 \uacc4\uc88c \uccb4\ud06c\ub9ac\uc2a4\ud2b8<\/h2>\n

\n\uc9c0\uae08\uae4c\uc9c0 \ub0b4\uc6a9\uc744 \ud55c \uc904\uc529 \uc2e4\ud589 \uccb4\ud06c\ub9ac\uc2a4\ud2b8\ub85c \uc815\ub9ac\ud588\ub2e4.
\n\uc785\uc0ac \ud6c4 \ud55c \ub2ec \uc548\uc5d0 \uc544\ub798 \ud56d\ubaa9\uc744 \uc21c\uc11c\ub300\ub85c \uccb4\ud06c\ud574\ub098\uac00\uba74 \ub41c\ub2e4.\n<\/p>\n\n\n\n\n\n\n\n\n\n\n
\uc21c\uc704<\/th>\n\uacc4\uc88c \/ \uc791\uc5c5<\/th>\n\ud575\uc2ec \ud3ec\uc778\ud2b8<\/th>\n\uc2dc\uae30<\/th>\n<\/tr>\n<\/thead>\n
1<\/td>\n\uae09\uc5ec\ud1b5\uc7a5 \uac1c\uc124<\/td>\n\uc218\uc218\ub8cc \uba74\uc81c \uc870\uac74 \ud655\uc778 \ud6c4 \uc120\ud0dd (\uce74\uce74\uc624\u00b7\ud1a0\uc2a4 \ucd94\ucc9c)<\/td>\n\uc785\uc0ac \ub2f9\uc77c<\/td>\n<\/tr>\n
2<\/td>\n\ud30c\ud0b9\ud1b5\uc7a5 \uac1c\uc124<\/td>\n\ube44\uc0c1\uae08 \uc804\uc6a9, \ucf00\uc774\ubc45\ud06c\/SBI\uc800\ucd95\uc740\ud589 \ud30c\ud0b9\ud1b5\uc7a5<\/td>\n1\uc8fc \uc774\ub0b4<\/td>\n<\/tr>\n
2-1<\/td>\n\uc790\ub3d9\uc774\uccb4 \uc124\uc815<\/td>\n\uc6d4\uae09\ub0a0+1\uc77c \ud30c\ud0b9\ud1b5\uc7a5\uc73c\ub85c \ube44\uc0c1\uae08 \uc790\ub3d9\uc774\uccb4 (\uc6d4 10~30\ub9cc\uc6d0)<\/td>\n1\uc8fc \uc774\ub0b4<\/td>\n<\/tr>\n
3<\/td>\n\uccad\ub144\ub3c4\uc57d\uacc4\uc88c \uc2e0\uccad<\/td>\n\uc790\uaca9 \ud655\uc778 \ud6c4 \uc2e0\uccad \uae30\uac04 \ub193\uce58\uc9c0 \uc54a\uae30 (\ub9e4\uc6d4 \uc2e0\uccad \uae30\uac04 \uc788\uc74c)<\/td>\n1\uac1c\uc6d4 \uc774\ub0b4<\/td>\n<\/tr>\n
4<\/td>\n\uc911\uac1c\ud615 ISA \uac1c\uc124<\/td>\n\uc11c\ubbfc\ud615 \uc870\uac74 \ud655\uc778 (\uc18c\ub4dd 5\ucc9c\ub9cc\uc6d0 \uc774\ud558 \u2192 \ube44\uacfc\uc138 \ud55c\ub3c4 400\ub9cc\uc6d0)<\/td>\n3\uac1c\uc6d4 \uc774\ub0b4<\/td>\n<\/tr>\n
5<\/td>\n\uc5f0\uae08\uc800\ucd95\ud380\ub4dc \uac1c\uc124<\/td>\n\uc5f0\ub9d0\uc815\uc0b0 \uc804\uae4c\uc9c0 \uac00\uc785, \uc6d4 \ub0a9\uc785\uc561\uc740 \uc18c\uc561\uc73c\ub85c \uc2dc\uc791<\/td>\n\uc5ec\uc720 \uc0dd\uae30\uba74<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\n\ub0b4\uac00 \ucc98\uc74c\uc5d0 \ud588\ub358 \uc2e4\uc218 3\uac00\uc9c0<\/h2>\n

\n\uc798 \ub41c \uac83\ub9cc \uc4f0\uba74 \uae00\uc774 \ub108\ubb34 \uad50\uacfc\uc11c \uac19\uc544\uc9c0\ub2c8\uae4c, \ub0b4\uac00 \uc2e4\uc81c\ub85c \ud588\ub358 \uc2e4\uc218\ub3c4 \uac19\uc774 \uc801\ub294\ub2e4.\n<\/p>\n

\n\uccab \ubc88\uc9f8.<\/strong> \uae09\uc5ec\ud1b5\uc7a5\uc744 \ud68c\uc0ac \uadfc\ucc98 \uc740\ud589\uc5d0\uc11c \ub9cc\ub4e4\uc5c8\ub2e4.
\n\uc218\uc218\ub8cc \uc6b0\ub300 \uc870\uac74\uc774 \uc788\ub294 \ud1b5\uc7a5\uc774 \ub530\ub85c \uc788\ub2e4\ub294 \uac78 \ubab0\ub790\uace0, \uadf8\ub0e5 \ucc3d\uad6c\uc5d0\uc11c \uad8c\ud574\uc8fc\ub294 \uac78 \ub9cc\ub4e4\uc5c8\ub2e4.
\n6\uac1c\uc6d4\uc774 \uc9c0\ub098\uc11c\uc57c \uce74\uce74\uc624\ubc45\ud06c\ub85c \ubc14\uafe8\ub294\ub370, \uadf8\ub3d9\uc548 \ub0b8 ATM \uc218\uc218\ub8cc\ub97c \uacc4\uc0b0\ud574\ubd24\ub354\ub2c8 \uc57d 2\ub9cc 7\ucc9c\uc6d0\uc774\uc5c8\ub2e4.\n<\/p>\n

\n\ub450 \ubc88\uc9f8.<\/strong> \uccad\ub144\ud76c\ub9dd\uc801\uae08\uc744 \uc544\uc608 \ub193\ucce4\ub2e4.
\n\ub2f9\uc2dc\uc5d0 \uccad\ub144\ud76c\ub9dd\uc801\uae08\uc774 \uc788\uc5c8\ub294\ub370, \uac00\uc785 \uae30\uac04\uc774 \ud55c \ub2ec\ubfd0\uc774\uc5c8\uace0 \ub098\ub294 \uadf8\uac78 \ubab0\ub790\ub2e4.
\n\ub098\uc911\uc5d0 \uc54c\uace0 \ubcf4\ub2c8 \uc774\uc790\uac00 \uc77c\ubc18 \uc801\uae08\uc758 \ub450 \ubc30 \uc218\uc900\uc774\uc5c8\ub2e4.
\n\uc9c0\uae08\uc740 \uccad\ub144\ub3c4\uc57d\uacc4\uc88c\uac00 \uadf8 \uc790\ub9ac\ub97c \ub300\uc2e0\ud558\ub294\ub370, \uc774\uac78 \ub610 \ub193\uce58\uba74 \ube44\uc2b7\ud55c \ud6c4\ud68c\ub97c \ud558\uac8c \ub41c\ub2e4.\n<\/p>\n

\n\uc138 \ubc88\uc9f8.<\/strong> ISA \uacc4\uc88c\ub97c \ub108\ubb34 \ub2a6\uac8c \ub9cc\ub4e4\uc5c8\ub2e4.
\nISA\ub294 3\ub144 \uc774\uc0c1 \uc720\uc9c0\ud574\uc57c \ube44\uacfc\uc138 \ud61c\ud0dd\uc774 \uc0dd\uae30\ub294\ub370, \uc785\uc0ac 1\ub144\uc774 \uc9c0\ub098\uc11c\uc57c \ub9cc\ub4e4\uc5c8\ub2e4.
\n\ub9cc\ub4e4\uae30\ub9cc \ud558\uba74 \ub3fc\uc11c \ub0a9\uc785\uc561\uc774 0\uc6d0\uc774\uc5b4\ub3c4 \uae30\uac04\uc774 \uce74\uc6b4\ud2b8\ub41c\ub2e4\ub294 \uac78 \ub098\uc911\uc5d0 \uc54c\uc558\ub2e4.
\n\ube68\ub9ac \ub9cc\ub4e4\uc5b4\ub450\uace0 \uc18c\uc561\uc774\ub77c\ub3c4 \ub123\uc5b4\ub450\ub294 \uac8c \ud6e8\uc52c \ub098\uc558\ub2e4.\n<\/p>\n

\n

\ud575\uc2ec \uc694\uc57d<\/p>\n

\n\uc785\uc0ac \ub2f9\uc77c<\/strong>: \uae09\uc5ec\ud1b5\uc7a5 (\uc218\uc218\ub8cc \uba74\uc81c \uc870\uac74 \ud655\uc778)
\n1\uc8fc \uc774\ub0b4<\/strong>: \ud30c\ud0b9\ud1b5\uc7a5 + \uc790\ub3d9\uc774\uccb4 \uc124\uc815 (\ube44\uc0c1\uae08 \ubd84\ub9ac)
\n1\uac1c\uc6d4 \uc774\ub0b4<\/strong>: \uccad\ub144\ub3c4\uc57d\uacc4\uc88c \uc2e0\uccad (\uac00\uc785 \uae30\uac04 \ud655\uc778 \ud544\uc218)
\n3\uac1c\uc6d4 \uc774\ub0b4<\/strong>: \uc911\uac1c\ud615 ISA \uac1c\uc124 (\ub9cc\ub4e4\uae30\ub9cc \ud574\ub3c4 \ube44\uacfc\uc138 \uae30\uac04 \uce74\uc6b4\ud2b8 \uc2dc\uc791)
\n\uc5ec\uc720 \uc0dd\uae30\uba74<\/strong>: \uc5f0\uae08\uc800\ucd95\ud380\ub4dc (\uc5f0\ub9d0\uc815\uc0b0 \uc804\uae4c\uc9c0 \uac1c\uc124)\n<\/p>\n<\/div>\n<\/article>\n","protected":false},"excerpt":{"rendered":"

\uc785\uc0ac \uccab \ub2ec\uc5d0 \uc5b4\ub5a4 \uacc4\uc88c\ub97c \uc5b4\ub5a4 \uc21c\uc11c\ub85c \ub9cc\ub4e4\uc5b4\uc57c \ud558\ub294\uc9c0 \uc544\ubb34\ub3c4 \uc54c\ub824\uc8fc\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uae09\uc5ec\ud1b5\uc7a5 \uc120\ud0dd \uae30\uc900\ubd80\ud130 \ud30c\ud0b9\ud1b5\uc7a5, \uccad\ub144\ub3c4\uc57d\uacc4\uc88c, ISA, \uc5f0\uae08\uc800\ucd95\uae4c\uc9c0 \uc785\uc0ac \uccab \ub2ec \uccb4\ud06c\ub9ac\uc2a4\ud2b8\uc640 \ud568\uaed8 \uc2e4\uc218 \uc0ac\ub840\ub3c4 \uc9c1\uc811 \uc815\ub9ac\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n","protected":false},"author":1,"featured_media":84,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-85","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-1"],"_links":{"self":[{"href":"https:\/\/jusikrank.pe.kr\/index.php?rest_route=\/wp\/v2\/posts\/85","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jusikrank.pe.kr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/jusikrank.pe.kr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/jusikrank.pe.kr\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/jusikrank.pe.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=85"}],"version-history":[{"count":0,"href":"https:\/\/jusikrank.pe.kr\/index.php?rest_route=\/wp\/v2\/posts\/85\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jusikrank.pe.kr\/index.php?rest_route=\/wp\/v2\/media\/84"}],"wp:attachment":[{"href":"https:\/\/jusikrank.pe.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=85"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jusikrank.pe.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=85"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jusikrank.pe.kr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=85"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}