{"id":771,"date":"2026-02-04T19:06:32","date_gmt":"2026-02-04T11:06:32","guid":{"rendered":"https:\/\/goodmorning-economy.com\/?p=771"},"modified":"2026-03-23T16:29:04","modified_gmt":"2026-03-23T08:29:04","slug":"%ec%98%88%ea%b8%88-%ec%a0%81%ea%b8%88-%ec%b0%a8%ec%9d%b4-%ed%95%9c%eb%88%88%ec%97%90-%ec%a0%95%eb%a6%ac-%ec%9d%b4%ec%9e%90-%ea%b3%84%ec%82%b0%eb%b6%80%ed%84%b0-%ec%b6%94%ec%b2%9c-%ec%83%81","status":"publish","type":"post","link":"https:\/\/goodmorning-economy.com\/?p=771","title":{"rendered":"\uc608\uae08 \uc801\uae08 \ucc28\uc774 \ud55c\ub208\uc5d0 \uc815\ub9ac \u2013 \uc774\uc790 \uacc4\uc0b0\ubd80\ud130 \ucd94\ucc9c \uc0c1\ud669\uae4c\uc9c0"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\uc608\uae08 \uc801\uae08 \ucc28\uc774\ub97c \ud55c \ubc88\uc5d0 \uc815\ub9ac\ud558\uba74, <strong>\uc608\uae08<\/strong>\uc740 \ubaa9\ub3c8\uc744 \ud55c \ubc88\uc5d0 \ub123\uc5b4 \ub450\ub294 \uc0c1\ud488, <strong>\uc801\uae08<\/strong>\uc740 \ub9e4\ub2ec \ub098\ub220\uc11c \uc801\ub9bd\ud558\ub294 \uc0c1\ud488\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc608\uae08 \uc801\uae08 \ucc28\uc774\ub294 \uc774\uc790 \uacc4\uc0b0 \ubc29\uc2dd, \uac00\uc785 \ubaa9\uc801, \uc720\ub3d9\uc131(\uc911\ub3c4 \ud574\uc9c0 \ud3b8\uc758\uc131)\uc5d0\uc11c \ud2b9\ud788 \ud06c\uac8c \ub098\ub269\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774 \uae00\uc5d0\uc11c\ub294 \uc608\uae08 \uc801\uae08 \ucc28\uc774 \uae30\ubcf8 \uac1c\ub150\ubd80\ud130 \uc774\uc790 \uacc4\uc0b0 \uad6c\uc870, \uc5b4\ub5a4 \uc0c1\ud669\uc5d0\uc11c \uc608\uae08\/\uc801\uae08\uc744 \uc120\ud0dd\ud574\uc57c \ud558\ub294\uc9c0\uae4c\uc9c0 \uc2e4\uc81c \uc0ac\ub840 \uc911\uc2ec\uc73c\ub85c \uc815\ub9ac\ud569\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc608\u00b7\uc801\uae08 \uc911 \ubb50\uac00 \ub354 \uc774\ub4dd\uc778\uc9c0 \uace0\ubbfc\ud558\ub294 \uc0ac\ud68c\ucd08\ub144\uc0dd, \ud504\ub9ac\ub79c\uc11c, \uc790\uc601\uc5c5\uc790\uc5d0\uac8c \ub3c4\uc6c0\uc774 \ub418\ub3c4\ub85d \uad6c\uc131\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uc608\uae08\uacfc \uc801\uae08\uc758 \ub73b\uacfc \uac1c\ub150<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"640\" height=\"360\" src=\"https:\/\/goodmorning-economy.com\/wp-content\/uploads\/2026\/02\/image.jpeg\" alt=\"\" class=\"wp-image-773\" srcset=\"https:\/\/goodmorning-economy.com\/wp-content\/uploads\/2026\/02\/image.jpeg 640w, https:\/\/goodmorning-economy.com\/wp-content\/uploads\/2026\/02\/image-300x169.jpeg 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\ucd9c\ucc98: <a href=\"https:\/\/www.hankookilbo.com\/news\/article\/A2022102700420002028\" target=\"_blank\" rel=\"noopener\">\ud55c\uad6d\uc77c\ubcf4<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc608\uae08 \uc801\uae08 \ucc28\uc774\ub97c \uc774\ud574\ud558\ub824\uba74 \uba3c\uc800 \uad6c\uc870\ubd80\ud130 \ubd10\uc57c \ud569\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc608\uae08(\uc815\uae30\uc608\uae08)\uc740 \uc774\ubbf8 \uac00\uc9c4 \ubaa9\ub3c8\uc744 \ud55c \ubc88\uc5d0 \ub9e1\uae30\uace0, \uc77c\uc815 \uae30\uac04 \ub3d9\uc548 \ubb36\uc5b4 \ub450\ub294 \uc0c1\ud488\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc801\uae08(\uc815\uae30\uc801\uae08)\uc740 \uc6d4\uae09\uc774\ub098 \ub9e4\ucd9c\uc5d0\uc11c \ub9e4\ub2ec \uc77c\uc815 \uae08\uc561\uc744 \ub098\ub220 \ub123\uc73c\uba70, \ub9cc\uae30 \uc2dc \ubaa9\ub3c8\uc744 \ub9cc\ub4dc\ub294 \ubc29\uc2dd\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc608\uae08\uc740 \uc2dc\uc791 \uc2dc\uc810\uc5d0 \uc804\uc561\uc774 \ub4e4\uc5b4\uac00\ubbc0\ub85c \uc804\uccb4 \uae30\uac04 \ub3d9\uc548 \uc774\uc790\uac00 \ubd99\uace0, \uc801\uae08\uc740 \ub9e4\uc6d4 \ub3c8\uc774 \ub4e4\uc5b4\uc624\uae30 \ub54c\ubb38\uc5d0 \u2018\uc77c\ucc0d \ub123\uc740 \ub3c8\uc740 \uc624\ub798, \ub2a6\uac8c \ub123\uc740 \ub3c8\uc740 \uc9e7\uac8c\u2019 \uc774\uc790\uac00 \ubd99\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uadf8\ub798\uc11c \uac19\uc740 \uae08\ub9ac\u00b7\uac19\uc740 \ucd1d \ub0a9\uc785\uc561\uc774\ub77c\ub3c4 \uc608\uae08\uc774 \uc801\uae08\ubcf4\ub2e4 \uc774\uc790\ub97c \ub354 \ub9ce\uc774 \ubc1b\ub294 \uac83\uc774 \uc77c\ubc18\uc801\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc989, \ubaa9\ub3c8\uc774 \uc774\ubbf8 \uc788\ub2e4\uba74 \uc608\uae08, \ubaa9\ub3c8\uc744 \ub9cc\ub4e4\uc5b4 \uac00\uace0 \uc2f6\ub2e4\uba74 \uc801\uae08\uc774 \uae30\ubcf8 \uc6d0\uce59\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uc608\uae08 \uc801\uae08 \ucc28\uc774, \uc774\uc790 \uacc4\uc0b0 \ubc29\uc2dd\uc740 \uc5b4\ub5bb\uac8c \ub2e4\ub97c\uae4c?&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc608\uae08 \uc801\uae08 \ucc28\uc774 \uc911 \uac00\uc7a5 \uc911\uc694\ud55c \uac74 <strong>\uc774\uc790 \uacc4\uc0b0 \uad6c\uc870<\/strong>\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc608\uae08(\uc815\uae30\uc608\uae08)\uc740 \uc608\ub97c \ub4e4\uc5b4 1,000\ub9cc \uc6d0\uc744 \uc5f0 4%\ub85c 1\ub144 \ub9e1\uae30\uba74, \uc138\uc804 \uc774\uc790\uac00 \uc57d 40\ub9cc \uc6d0(\ub2e8\ub9ac \uae30\uc900, \uc138\ud6c4 \uc57d 33\ub9cc \uc6d0 \uc218\uc900)\uc774 \ub429\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ubc18\uba74 \uc801\uae08 \uc774\uc790 \uacc4\uc0b0\uc740 \ub3d9\uc77c\ud558\uac8c \u2018\uc6d4 100\ub9cc \uc6d0\uc529 1\ub144, \ucd1d 1,200\ub9cc \uc6d0 \ub0a9\uc785, \uc5f0 4%\u2019\ub77c \ud574\ub3c4 \ubaa8\ub4e0 \ub3c8\uc774 1\ub144 \ub0b4\ub0b4 \uad74\ub7ec\uac00\ub294 \uac8c \uc544\ub2d9\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1\ud68c\ucc28 \ub0a9\uc785\uae08\uc740 12\uac1c\uc6d4, \ub9c8\uc9c0\ub9c9 12\ud68c\ucc28 \ub0a9\uc785\uae08\uc740 1\uac1c\uc6d4\ub9cc \uc774\uc790\uac00 \ubd99\uc73c\ubbc0\ub85c, \ud3c9\uade0\uc801\uc73c\ub85c \u20186~7\uac1c\uc6d4 \uad74\ub9b0 \ud6a8\uacfc\u2019\ub9cc \ubc1c\uc0dd\ud569\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uadf8\ub798\uc11c \uc801\uae08\uc758 \uc2e4\uc9c8 \uc218\uc775\ub960\uc740 \ud45c\uae30 \uae08\ub9ac\ubcf4\ub2e4 \uccb4\uac10\uc0c1 \ub0ae\uac8c \ub290\uaef4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub2e4\ub9cc \uc694\uc998 \uc740\ud589\uc5d0\uc11c \uc801\uae08\uc5d0 \uc6b0\ub300\uae08\ub9ac(\uae09\uc5ec \uc774\uccb4, \uc790\ub3d9\uc774\uccb4 \ub4f1 \uc870\uac74 \ucda9\uc871 \uc2dc)\ub97c \ubd99\uc5ec \uc8fc\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc544, \uc2e4\uc9c8 \uae08\ub9ac \uaca9\ucc28\ub294 \uc0c1\ud488\ubcc4\ub85c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uc608\uae08\u00b7\uc801\uae08\uc774 \uc720\ub9ac\ud55c \uc0ac\ub78c\uc740 \ub204\uad6c\uc77c\uae4c?<\/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=\"4% \uc608\uae08\uacfc 6% \uc801\uae08 \uc911 \ub3c8\uc744 \uc5b4\ub514\uc5d0 \ub123\ub294 \uac8c \uc774\ub4dd\uc77c\uae4c\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/xmblym5ZXlg?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\ucd9c\ucc98: <a href=\"https:\/\/www.youtube.com\/watch?v=xmblym5ZXlg\" target=\"_blank\" rel=\"noopener\">\uc740\uadfc\ud55c \uc9d1\ub2e4\ud55c \uc9c0\uc2dd<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc608\uae08 \uc801\uae08 \ucc28\uc774\ub97c \uae30\uc900\uc73c\ub85c \u2018\ub204\uac00 \ubb34\uc5c7\uc744 \uc120\ud0dd\ud574\uc57c \ud558\ub294\uac00\u2019\ub97c \uc815\ub9ac\ud558\uba74 \uc774\ud574\uac00 \uc27d\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc608\uae08\uc774 \uc720\ub9ac\ud55c \uc0ac\ub78c\uc740 \uc774\ubbf8 \ucd5c\uc18c \uc218\ubc31\ub9cc \uc6d0~\uc218\ucc9c\ub9cc \uc6d0\uc758 \ubaa9\ub3c8\uc744 \uac00\uc9c0\uace0 \uc788\uace0, 6\uac1c\uc6d4~2\ub144 \uc815\ub3c4 \ub2f9\uc7a5 \uc4f8 \uacc4\ud68d\uc774 \uc5c6\ub294 \uacbd\uc6b0\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774\ub54c \uc790\uae08\uc744 \uc608\uae08\uc73c\ub85c \ubb36\uc5b4 \ub450\uba74, \uc801\uae08\ubcf4\ub2e4 \uc774\uc790\ub97c \ub354 \ub9ce\uc774 \ubc1b\uc73c\uba74\uc11c\ub3c4 \uc608\u00b7\uc801\uae08 \ub458 \ub2e4 \uc608\uae08\uc790\ubcf4\ud638(\uc6d0\uae08+\uc774\uc790 1\uc5b5\uc6d0 \ud55c\ub3c4)\ub97c \uc801\uc6a9\ubc1b\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ubc18\ub300\ub85c \uc801\uae08\uc774 \uc720\ub9ac\ud55c \uc0ac\ub78c\uc740 \uc0ac\ud68c\ucd08\ub144\uc0dd\u00b7\ud504\ub9ac\ub79c\uc11c\ucc98\ub7fc \ub9e4\ub2ec \uc77c\uc815 \uae08\uc561\uc744 \u2018\uac15\uc81c \uc800\ucd95\u2019\ud558\uace0 \uc2f6\uc740 \uacbd\uc6b0\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ubaa9\ub3c8\uc774 \uc5c6\ub354\ub77c\ub3c4, \uc801\uae08\uc744 \ud1b5\ud574 1\ub144\u00b72\ub144 \ub4a4 \uc804\uc138\ubcf4\uc99d\uae08\u00b7\ucc28\ub7c9 \uad6c\ub9e4 \uc790\uae08 \uac19\uc740 \ubaa9\ud45c \uae08\uc561\uc744 \ub9cc\ub4dc\ub294 \ub370 \uc720\ub9ac\ud569\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\uc815\ub9ac\ud558\uba74, \ubaa9\ub3c8\uc774 \uc788\uc73c\uba74 \uc608\uae08, \ubaa9\ub3c8\uc744 \ubaa8\uc73c\uace0 \uc2f6\uc73c\uba74 \uc801\uae08\uc774 \uae30\ubcf8 \uc120\ud0dd\uc785\ub2c8\ub2e4.<\/strong><\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\">\uc608\uae08 \uc801\uae08 \ucc28\uc774, \uc911\ub3c4 \ud574\uc9c0\u00b7\uc720\ub3d9\uc131 \uce21\uba74\uc5d0\uc11c\ub294 \uc5b4\ub5a8\uae4c?&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc608\uae08 \uc801\uae08 \ucc28\uc774\uc5d0\uc11c \ub610 \ud558\ub098 \uc911\uc694\ud55c \uc694\uc18c\ub294 <strong>\uc911\ub3c4 \ud574\uc9c0 \uc2dc \ubd88\uc774\uc775<\/strong>\uacfc \uc720\ub3d9\uc131\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc608\uae08\uc740 \ubaa9\ub3c8 \uc804\uccb4\uac00 \ud55c \ubc88\uc5d0 \ubb36\uc774\uae30 \ub54c\ubb38\uc5d0, \uc911\uac04\uc5d0 \ub3c8\uc774 \ud544\uc694\ud574 \ud574\uc9c0\ud558\uba74 \ub300\ubd80\ubd84 \u2018\uc911\ub3c4 \ud574\uc9c0 \uae08\ub9ac(\ubcf4\ud1b5 0~1%\ub300\uc758 \uc544\uc8fc \ub0ae\uc740 \uae08\ub9ac)\u2019\ub9cc \uc801\uc6a9\ub3fc \uc774\uc790 \uc774\ub4dd\uc774 \ud06c\uac8c \uc904\uc5b4\ub4ed\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc801\uae08 \uc5ed\uc2dc \uc911\ub3c4 \ud574\uc9c0 \uc2dc \uc911\ub3c4 \ud574\uc9c0 \uae08\ub9ac\uac00 \uc801\uc6a9\ub418\uc9c0\ub9cc, \uc544\uc9c1 \ub0a9\uc785\ud558\uc9c0 \uc54a\uc740 \ud68c\ucc28 \uae08\uc561\uc740 \uc560\ucd08\uc5d0 \uc548 \ub123\uc740 \uac83\uc774\ubbc0\ub85c \u2018\ud5a5\ud6c4 \ub0a9\uc785 \uc608\uc815\ubd84\uae4c\uc9c0 \uac15\uc81c \ud574\uc9c0\ub418\ub294 \uc190\ud574\u2019\ub294 \uc5c6\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub2e4\ub9cc \uc774\ubbf8 \ub0a9\uc785\ud55c \ud68c\ucc28\uc758 \uc774\uc790\ub294 \uc608\uc815\ubcf4\ub2e4 \ud06c\uac8c \uc904\uc5b4\ub4e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc720\ub3d9\uc131 \uce21\uba74\uc5d0\uc11c\ub294 \uc608\uae08\u00b7\uc801\uae08 \ubaa8\ub450 \u2018\ub9cc\uae30 \uc804 \ud574\uc9c0 \uc2dc \uc190\ud574\u2019\ub77c\ub294 \uc810\uc740 \uac19\uc73c\ub098, \uc2ec\ub9ac\uc801 \ubd80\ub2f4\uc774 \ub2e4\ub974\ub2e4\ub294 \ucc28\uc774\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc608\uae08\uc740 \ud070 \ubaa9\ub3c8 \uc804\uccb4\uac00 \ubb36\uc774\ub294 \ud615\ud0dc<\/li>\n\n\n\n<li>\uc801\uae08\uc740 \ub9e4\ub2ec \uc870\uae08\uc529 \ub123\ub294 \ud615\ud0dc<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\uc608\uae08 \uc801\uae08 \ucc28\uc774, \uc138\uae08\uacfc \uc608\uae08\uc790 \ubcf4\ud638\ub294 \uc5b4\ub5bb\uac8c \uc801\uc6a9\ub420\uae4c?&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=\"20\ub300\uc5d0 \ubc18\ub4dc\uc2dc \ud574\uc57c \ud558\ub294 \uc7ac\ud14c\ud06c \uc2b5\uad00\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/_dNULGjqHaY?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\ucd9c\ucc98: <a href=\"https:\/\/www.youtube.com\/watch?v=_dNULGjqHaY\" target=\"_blank\" rel=\"noopener\">\ud2f0\ubcb3\ub3d9\uc0dd<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc608\uae08\uacfc \uc801\uae08 \ubaa8\ub450 \uc774\uc790\uc18c\ub4dd\uc138(\uc774\uc790\u00b7\ubc30\ub2f9\uc18c\ub4dd 15.4%)\uac00 \ub3d9\uc77c\ud558\uac8c \uc801\uc6a9\ub429\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc989, \uc608\uae08 \uc801\uae08 \ucc28\uc774\uac00 \uc138\uae08 \uad6c\uc870\uc5d0\uc11c \ubc1c\uc0dd\ud558\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. \ub2e4\ub9cc \uc608\uae08\uc740 \ud55c \ubc88\uc5d0 \ud070 \uae08\uc561\uc774 \ub4e4\uc5b4\uac00 \uc774\uc790\uc561 \uc790\uccb4\uac00 \ucee4\uc9c0\ubbc0\ub85c, \uc138\uae08\uc73c\ub85c \ube60\uc838\ub098\uac00\ub294 \uae08\uc561\ub3c4 \ub354 \ucee4 \ubcf4\uc774\ub294 \ud6a8\uacfc\uac00 \uc788\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc608\ub97c \ub4e4\uc5b4 \uc138\uc804 \uc774\uc790\uac00<br>40\ub9cc \uc6d0\uc774\uba74 \uc138\ud6c4 \uc57d 33\ub9cc \uc6d0,<br>\uc138\uc804 20\ub9cc \uc6d0\uc774\uba74 \uc138\ud6c4 \uc57d 16\ub9cc 8\ucc9c \uc6d0<br>\uc815\ub3c4\uac00 \ub429\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc608\uae08\uc790\ubcf4\ud638 \uce21\uba74\uc5d0\uc11c\ub294 \uc608\uae08\u00b7\uc801\uae08 \ubaa8\ub450 <strong>\ud55c \uae08\uc735\uae30\uad00, \ud55c \uba85 \uae30\uc900 \uc6d0\uae08+\uc774\uc790\ub97c \ud569\uccd0 1\uc5b5 \uc6d0\uae4c\uc9c0 \ubcf4\ud638<\/strong>\ub429\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub530\ub77c\uc11c \uc5ec\ub7ec \uc740\ud589\uc5d0 \uc608\uae08\u00b7\uc801\uae08\uc744 \ubd84\uc0b0\ud558\ub294 \uac83\uc774 \uc704\ud5d8 \uad00\ub9ac\uc5d0 \uc720\ub9ac\ud569\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc608\uae08 \uc801\uae08 \ucc28\uc774\ubcf4\ub2e4 \u2018\ud55c \uc740\ud589\uc5d0 1\uc5b5 \uc6d0 \uc774\uc0c1 \ubab0\ub9ac\uc9c0 \uc54a\uac8c\u2019 \uad00\ub9ac\ud558\ub294 \uac83\uc774 \ub354 \uc911\uc694\ud560 \ub54c\ub3c4 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uc608\uae08 vs \uc801\uae08, \uc774\uc790 \uacc4\uc0b0 \uc608\uc2dc\ub85c \ube44\uad50\ud574 \ubcf4\uba74?&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc608\uae08 \uc801\uae08 \ucc28\uc774\ub97c \uc9c1\uad00\uc801\uc73c\ub85c \ubcf4\ub824\uba74 \uc608\uc2dc\uac00 \uac00\uc7a5 \uc88b\uc2b5\ub2c8\ub2e4. \uac00\uc815: \uc5f0 4% \uc740\ud589 \uc0c1\ud488, \uae30\uac04 1\ub144, \uc138\uc804 \uae30\uc900\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc608\uae08: 1,000\ub9cc \uc6d0\uc744 \ud55c \ubc88\uc5d0 \ub9e1\uae30\uba74, \uc774\uc790\ub294 \uc57d 40\ub9cc \uc6d0(\ub2e8\ub9ac \uae30\uc900).<br><\/li>\n\n\n\n<li>\uc801\uae08: \ub9e4\ub2ec 100\ub9cc \uc6d0\uc529 12\ud68c(\ucd1d 1,200\ub9cc \uc6d0) \ub0a9\uc785 \uc2dc, \uc774\uc790\ub294 \ub300\ub7b5 24\ub9cc~26\ub9cc \uc6d0 \uc218\uc900<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ucd1d \ub0a9\uc785\uc561\uc740 \uc801\uae08(1,200\ub9cc \uc6d0)\uc774 \uc608\uae08(1,000\ub9cc \uc6d0)\ubcf4\ub2e4 \ud06c\uc9c0\ub9cc, \uc608\uae08\uc758 \uc774\uc790\uac00 \ub354 \ub192\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774\uc720\ub294 \uc608\uae08\uc740 \uc804\uc561\uc774 12\uac1c\uc6d4 \ub0b4\ub0b4 \uad74\ub7ec\uac00\uc9c0\ub9cc, \uc801\uae08\uc740 \ud3c9\uade0 6\uac1c\uc6d4 \uc815\ub3c4\ub9cc \uad74\ub7ec\uac00\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uadf8\ub798\uc11c \uc790\uc8fc \ub098\uc624\ub294 \uc9c8\ubb38\uc778 \u201c\uc608\uae08\uc774 \ubb34\uc870\uac74 \ub354 \uc88b\uc544\uc694?\u201d\uc5d0 \ub300\ud55c \ub2f5\uc740,<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\uc774\uc790\ub9cc \ubcf4\uba74 \uc608\uae08\uc774 \uc720\ub9ac\ud558\uc9c0\ub9cc, \u2018\uac15\uc81c \uc800\ucd95\u2019\uacfc \ubaa9\ud45c \uc790\uae08 \ub9c8\ub828\uc5d0\ub294 \uc801\uae08\uc774 \ub354 \uc801\ud569\ud558\ub2e4<\/strong>\ub85c \uc815\ub9ac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\">\uc608\uae08 \uc801\uae08 \ucc28\uc774 \uae30\uc900, \uc5b8\uc81c \uc608\uae08\u00b7\uc801\uae08\u00b7\ud30c\ud0b9\ud1b5\uc7a5\uc744 \uc11e\uc5b4\uc57c \ud560\uae4c?&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc2e4\uc81c \uc790\uc0b0 \uad00\ub9ac\uc5d0\uc11c\ub294 \uc608\uae08\uacfc \uc801\uae08\uc744 \ud558\ub098\ub9cc \uace0\ub974\uae30\ubcf4\ub2e4, \ud30c\ud0b9\ud1b5\uc7a5(\uc218\uc2dc\uc785\ucd9c\uae08 \uace0\uae08\ub9ac \ud1b5\uc7a5)\uae4c\uc9c0 \ud3ec\ud568\ud574 \uc11e\uc5b4 \uc4f0\ub294 \uc804\ub7b5\uc774 \ud6a8\uacfc\uc801\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub2f9\uc7a5 3~6\uac1c\uc6d4 \uc548\uc5d0 \uc4f8\uc9c0 \ubaa8\ub974\ub294 \ube44\uc0c1 \uc790\uae08\uc740 <strong>\ud30c\ud0b9\ud1b5\uc7a5<\/strong>\uc5d0 \ub123\uc5b4 \ub450\uace0, 1\ub144 \uc774\uc0c1 \uc190\ub300\uc9c0 \uc54a\uc744 \uc790\uae08\uc740 <strong>\uc608\uae08<\/strong>, \uc55e\uc73c\ub85c 1~2\ub144\uac04 \ucc28\uadfc\ucc28\uadfc \ubaa8\uc744 \ubaa9\ud45c \uc790\uae08\uc740 <strong>\uc801\uae08<\/strong>\uc73c\ub85c \ub098\ub204\ub294 \uc2dd\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc608\uae08 \uc801\uae08 \ucc28\uc774\ub97c \uc774\ub807\uac8c \ud65c\uc6a9\ud558\uba74, \u2018\uc5b8\uc81c \uc4f8\uc9c0\ub3c4 \ubaa8\ub974\ub294 \ub3c8\uc744 \uad1c\ud788 \ubb36\uc5b4 \ub450\ub294 \uc2e4\uc218\u2019\uc640 \u2018\uc7ac\ud14c\ud06c\ub97c \uc548 \ud574\uc11c \ubb3c\uac00 \uc0c1\uc2b9\uc5d0 \uadf8\ub300\ub85c \ub2f9\ud558\ub294 \uc0c1\ud669\u2019\uc744 \ub3d9\uc2dc\uc5d0 \ud53c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud2b9\ud788 \ud504\ub9ac\ub79c\uc11c\u00b7\uc790\uc601\uc5c5\uc790\ub294 \uc218\uc785\uc774 \ub4e4\ucb49\ub0a0\ucb49\ud558\ubbc0\ub85c, <strong>\uae30\ubcf8 \ube44\uc0c1\uc790\uae08(\ud30c\ud0b9\ud1b5\uc7a5) + \uc5ec\uc720 \uc790\uae08(\uc608\uae08) + \uc7a5\uae30 \ubaa9\ud45c \uc790\uae08(\uc801\uae08)<\/strong> \uad6c\uc870\ub97c \ucd94\ucc9c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774\ub54c \uac01 \uc0c1\ud488\uc758 \uae08\ub9ac\u00b7\uc218\uc218\ub8cc\u00b7\uc911\ub3c4 \ud574\uc9c0 \ud328\ub110\ud2f0\ub97c \ube44\uad50\ud574 \ucd5c\uc885 \uc120\ud0dd\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uc0c1\ud669\ubcc4 \ucd94\ucc9c \uc870\ud569\uc740?&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc608\uae08 \uc801\uae08 \ucc28\uc774\ub97c \ubc14\ud0d5\uc73c\ub85c \uc0c1\ud669\ubcc4 \ucd94\ucc9c \uc870\ud569\uc744 \uc815\ub9ac\ud574 \ubcf4\uba74 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud575\uc2ec\uc740 \uc608\uae08 \uc801\uae08 \ucc28\uc774\ub97c \ub2e8\uc21c \ube44\uad50\ud558\ub294 \ub370 \uadf8\uce58\uc9c0 \ub9d0\uace0, \uc790\uc2e0\uc758 <strong>\ubaa9\ud45c \uae08\uc561\u00b7\ud544\uc694 \uc2dc\uc810\u00b7\uc704\ud5d8 \uc131\ud5a5<\/strong>\uc744 \uae30\uc900\uc73c\ub85c \uc11e\uc5b4 \uc4f0\ub294 \uac83\uc785\ub2c8\ub2e4.<br><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc0ac\ud68c\ucd08\ub144\uc0dd<\/h3>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"700\" height=\"400\" src=\"https:\/\/goodmorning-economy.com\/wp-content\/uploads\/2026\/02\/image-1.jpeg\" alt=\"\" class=\"wp-image-772\" srcset=\"https:\/\/goodmorning-economy.com\/wp-content\/uploads\/2026\/02\/image-1.jpeg 700w, https:\/\/goodmorning-economy.com\/wp-content\/uploads\/2026\/02\/image-1-300x171.jpeg 300w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\ucd9c\ucc98: <a href=\"https:\/\/www.hankookilbo.com\/news\/article\/A2020120910140001433?1607598039434=\" target=\"_blank\" rel=\"noopener\">\uc778\uc0ac\uc774\ud2b8<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ubaa9\ub3c8\uc774 \uac70\uc758 \uc5c6\uace0, \uc6d4\uae09\uc5d0\uc11c \uc77c\uc815 \uae08\uc561\uc744 \ub5bc\uc5b4 \ubaa8\uc73c\uace0 \uc2f6\ub2e4\uba74, \uae09\uc5ec\ud1b5\uc7a5+\ud30c\ud0b9\ud1b5\uc7a5+\uc801\uae08(1~2\uac1c)\uc744 \ucd94\ucc9c\ud569\ub2c8\ub2e4.<br><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ubaa9\ub3c8\uc740 \uc788\uc9c0\ub9cc \ud22c\uc790 \uacbd\ud5d8\uc774 \uc5c6\ub294 \uc9c1\uc7a5\uc778<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uc608\uae08(6~12\uac1c\uc6d4 \ub9cc\uae30)\uc73c\ub85c \uc774\uc790 \uc218\uc775 \ud655\ubcf4, \uc77c\ubd80 \uc790\uae08\uc740 \ud30c\ud0b9\ud1b5\uc7a5\uc73c\ub85c \uc720\ub3d9\uc131\uc744 \uc720\uc9c0\ud569\ub2c8\ub2e4.<br><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc804\uc138 \uc790\uae08\u00b7\uacb0\ud63c \uc790\uae08 \ubaa9\ud45c\uac00 \uc788\ub294 2~3\ub144 \ucc28 \uc9c1\uc7a5\uc778<\/h3>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"640\" height=\"426\" src=\"https:\/\/goodmorning-economy.com\/wp-content\/uploads\/2026\/02\/image-2.jpeg\" alt=\"\" class=\"wp-image-774\" srcset=\"https:\/\/goodmorning-economy.com\/wp-content\/uploads\/2026\/02\/image-2.jpeg 640w, https:\/\/goodmorning-economy.com\/wp-content\/uploads\/2026\/02\/image-2-300x200.jpeg 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\ucd9c\ucc98: <a href=\"https:\/\/www.hankookilbo.com\/news\/article\/A2020120910140001433?1607598039434=\" target=\"_blank\" rel=\"noopener\">\ud55c\uad6d\uc77c\ubcf4<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uae30\ubcf8 \ube44\uc0c1\uc790\uae08\uc740 \ud30c\ud0b9, \ud604\uc7ac \ubaa9\ub3c8\uc740 \uc608\uae08, \uc55e\uc73c\ub85c \ubaa8\uc744 \uae08\uc561\uc740 \uc801\uae08\uc73c\ub85c \ubd84\ub9ac\ud574 \u2018\ubaa9\ud45c \uc2dc\uc810\uc5d0 \ud544\uc694\ud55c \ucd1d\uc561\u2019\uc744 \ub9de\ucd94\ub294 \uad6c\uc870\uac00 \uc88b\uc2b5\ub2c8\ub2e4.<br><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud22c\uc790\ub3c4 \ubcd1\ud589\ud558\ub294 \uacbd\uc6b0<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uc5ec\uc720 \uc790\uae08\uc758 \uc77c\ubd80\ub294 \uc608\uae08\u00b7\uc801\uae08\uc73c\ub85c \uc548\uc815\uc131 \ud655\ubcf4, \ub098\uba38\uc9c0\ub294 ETF\u00b7\ucc44\uad8c \ub4f1\uc5d0 \ubd84\uc0b0 \ud22c\uc790\ud558\ub294 \uc2dd\uc73c\ub85c \ub9ac\uc2a4\ud06c\ub97c \uc870\uc808\ud569\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uacb0\ub860<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc608\uae08 \uc801\uae08 \ucc28\uc774\ub294 \uacb0\uad6d <strong>\uc9c0\uae08 \ubaa9\ub3c8\uc774 \uc788\ub290\ub0d0, \uc55e\uc73c\ub85c \ub9cc\ub4e4\uace0 \uc2f6\uc73c\ub0d0<\/strong>\uc758 \ucc28\uc774\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc608\uae08\uc740 \uc774\ubbf8 \uac00\uc9c4 \ubaa9\ub3c8\uc744 \u2018\uc5bc\ub9c8\ub098 \ud6a8\uc728\uc801\uc73c\ub85c \uad74\ub9b4\uc9c0\u2019\uc5d0 \ucd08\uc810\uc744 \ub450\uace0, \uc801\uae08\uc740 \ub9e4\ub2ec \uac15\uc81c \uc800\ucd95\uc73c\ub85c \u2018\ubaa9\ud45c \uc2dc\uc810\uc5d0 \uc5bc\ub9c8\ub098 \uc798 \ubaa8\uc744\uc9c0\u2019\ub97c \ub3d5\ub294 \uc0c1\ud488\uc785\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774\uc790 \uacc4\uc0b0 \uad6c\uc870\uc0c1 \uc608\uae08\uc774 \uc801\uae08\ubcf4\ub2e4 \uae08\ub9ac \ud6a8\uacfc\uac00 \ud06c\uc9c0\ub9cc, \uc801\uae08\uc740 \uac15\uc81c \uc800\ucd95\uacfc \uc6b0\ub300\uae08\ub9ac \ub355\ubd84\uc5d0 \uc2e4\uc804\uc5d0\uc11c \uc720\uc6a9\ud569\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc790\uc2e0\uc758 \ud604\uae08 \ud750\ub984\uacfc \ubaa9\ud45c \uc2dc\uc810\uc744 \uae30\uc900\uc73c\ub85c, \uc608\uae08\u00b7\uc801\uae08\u00b7\ud30c\ud0b9\ud1b5\uc7a5\uc744 \uc801\uc808\ud788 \uc870\ud569\ud574 \uc0ac\uc6a9\ud558\ub294 \uac83\uc774 \uac00\uc7a5 \ud604\uba85\ud55c \uc120\ud0dd\uc785\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:\/\/goodmorning-economy.com\/wp-content\/uploads\/2025\/08\/httpgoodmorning-economy.com-4.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:\/\/goodmorning-economy.com\/?p=263\" target=\"_blank\" rel=\"noopener noreferrer\">\uc608\uae08\uc790\ubcf4\ud638 1\uc5b5, \uc2a4\ub9c8\ud2b8\ud558\uac8c \uc0ac\uc6a9\ud558\ub294 \ubc29\ubc95 | \uad7f\ubaa8\ub2dd \uc774\ucf54\ub178\ubbf8 | \uacbd\uc81c, \ubd80\ub3d9\uc0b0, \uae30\uc5c5 \uc774\uc288<\/a>\n\t\t\t\t\t\t<span class=\"p-blogCard__excerpt\">\uc608\uae08\uc790\ubcf4\ud638 1\uc5b5 \uc5b8\uc81c\ubd80\ud130 \uc801\uc6a9\ub418\ub294\uc9c0 \uad81\uae08\ud558\ub2e4\uba74, \uc815\ub2f5\uc740 2025\ub144 9\uc6d4 1\uc77c\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>\uc608\uae08 \uc801\uae08 \ucc28\uc774\ub97c \ud55c \ubc88\uc5d0 \uc815\ub9ac\ud558\uba74, \uc608\uae08\uc740 \ubaa9\ub3c8\uc744 \ud55c \ubc88\uc5d0 \ub123\uc5b4 \ub450\ub294 \uc0c1\ud488, \uc801\uae08\uc740 \ub9e4\ub2ec \ub098\ub220\uc11c \uc801\ub9bd\ud558\ub294 \uc0c1\ud488\uc785\ub2c8\ub2e4.&nbsp; \uc608\uae08 \uc801\uae08 \ucc28\uc774\ub294 \uc774\uc790 \uacc4\uc0b0 \ubc29\uc2dd, \uac00\uc785 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