<\/p>\n\n\n\n
\ub274\uc2a4\ub97c \ubcf4\ub2e4 \ubcf4\uba74 **\u2018\ud55c\uad6d\uc740\ud589\uc774 \uae30\uc900\uae08\ub9ac\ub97c \uc778\uc0c1\ud588\ub2e4\u2019**\ub77c\ub294 \ub9d0\uc744 \uc885\uc885 \ub4e3\uac8c \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n
\uadf8\ub7f0\ub370 \uacbd\uc81c\uc5d0 \uad00\uc2ec\uc774 \ub9ce\uc9c0 \uc54a\uc740 \uc0ac\ub78c\uc5d0\uac8c\ub294 \uc774\ub7f0 \uad81\uae08\uc99d\uc774 \uc0dd\uae38 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n
\u201c\uae30\uc900\uae08\ub9ac\uac00 \ub3c4\ub300\uccb4 \ubb50\uc9c0?\u201d<\/p>\n\n\n\n
\u201c\uae08\ub9ac\ub97c 0.25% \uc62c\ub9ac\ub294 \uac8c \uadf8\ub807\uac8c \uc911\uc694\ud55c \uc77c\uc778\uac00?\u201d<\/p>\n\n\n\n
\u201c\uae30\uc900\uae08\ub9ac\uac00 \uc624\ub974\uba74 \ub0b4\uac00 \ubc1b\uc740 \ub300\ucd9c\uc758 \uc774\uc790\ub3c4 \ubc14\ub85c \uc62c\ub77c\uac00\ub294 \uac78\uae4c?\u201d<\/p>\n\n\n\n
\uae30\uc900\uae08\ub9ac\ub294 \uc22b\uc790\ub9cc \ubcf4\uba74 \uc5b4\ub835\uac8c \ub290\uaef4\uc9c0\uc9c0\ub9cc \uc6d0\ub9ac\ub97c \uc54c\uace0 \ub098\uba74 \uc0dd\uac01\ubcf4\ub2e4 \uc774\ud574\ud558\uae30 \uc27d\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n
\uc774\ubc88 \uae00\uc5d0\uc11c\ub294 \uae30\uc900\uae08\ub9ac\uac00 \ubb34\uc5c7\uc778\uc9c0, \ud55c\uad6d\uc740\ud589\uc740 \uc65c \uae08\ub9ac\ub97c \uc62c\ub838\ub294\uc9c0, \uadf8\ub9ac\uace0 \uae08\ub9ac \uc778\uc0c1\uc774 \uc6b0\ub9ac\uc758 \ub300\ucd9c\u00b7\uc608\uae08\u00b7\uc0dd\ud65c\uc5d0 \uc5b4\ub5a4 \uc601\ud5a5\uc744 \uc904 \uc218 \uc788\ub294\uc9c0<\/strong> \ucd5c\ub300\ud55c \uc27d\uac8c \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n \ud55c\uad6d\uc740\ud589 \uae08\uc735\ud1b5\ud654\uc704\uc6d0\ud68c\ub294 2026\ub144 7\uc6d4 16\uc77c \uae30\uc900\uae08\ub9ac\ub97c \uae30\uc874 \uc5f0 2.50%\uc5d0\uc11c \uc5f0 2.75%\ub85c 0.25%\ud3ec\uc778\ud2b8 \uc778\uc0c1<\/strong>\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n \ud55c\uad6d\uc740\ud589\uc774 \uacf5\uac1c\ud55c \uae30\uc900\uae08\ub9ac \ucd94\uc774\ub97c \ubcf4\uba74 2025\ub144 5\uc6d4 29\uc77c 2.50%\uac00 \ub41c \uc774\ud6c4 \uc720\uc9c0\ub418\ub2e4\uac00 2026\ub144 7\uc6d4 \ub2e4\uc2dc 2.75%\ub85c \uc62c\ub77c\uac04 \uac83\uc785\ub2c8\ub2e4. \ud55c\uad6d\uc740\ud589<\/a><\/p>\n\n\n\n \uadf8\ub807\ub2e4\uba74 \uae30\uc900\uae08\ub9ac\ub780 \ubb34\uc5c7\uc77c\uae4c\uc694?<\/p>\n\n\n\n \uc544\uc8fc \uc27d\uac8c \ud45c\ud604\ud558\uba74 \uc6b0\ub9ac\ub098\ub77c\uc758 \uc5ec\ub7ec \uae08\ub9ac\uc5d0 \uc601\ud5a5\uc744 \uc8fc\ub294 \uae30\uc900\uc810 \uc5ed\ud560\uc744 \ud558\ub294 \uae08\ub9ac<\/strong>\ub77c\uace0 \uc0dd\uac01\ud558\uba74 \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n \ud55c\uad6d\uc5d0\uc11c\ub294 \ud55c\uad6d\uc740\ud589 \uae08\uc735\ud1b5\ud654\uc704\uc6d0\ud68c\uac00 \uae30\uc900\uae08\ub9ac\ub97c \uacb0\uc815\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n \uae30\uc900\uae08\ub9ac\uac00 \uc6c0\uc9c1\uc774\uba74 \uae08\uc735\uc2dc\uc7a5\uc758 \uae08\ub9ac\uac00 \uc601\ud5a5\uc744 \ubc1b\uace0, \uc2dc\uac04\uc774 \uc9c0\ub098\uba74\uc11c \uc740\ud589\uc758 \uc608\uae08\uae08\ub9ac\uc640 \ub300\ucd9c\uae08\ub9ac \ub4f1\uc5d0\ub3c4 \uc601\ud5a5\uc744 \uc904 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n \uc608\ub97c \ub4e4\uc5b4 \uae30\uc900\uae08\ub9ac\uac00 \uc62c\ub77c\uac00\uba74\uc11c \uc2dc\uc7a5\uae08\ub9ac\ub3c4 \uc0c1\uc2b9\ud55c\ub2e4\uba74 \uc740\ud589\uc774 \ub3c8\uc744 \uc870\ub2ec\ud558\ub294 \ube44\uc6a9\uc774 \uc99d\uac00\ud560 \uc218 \uc788\uace0, \uc774\uac83\uc774 \ub300\ucd9c\uae08\ub9ac \uc0c1\uc2b9\uc73c\ub85c \uc774\uc5b4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n \ubc18\ub300\ub85c \uae08\ub9ac\uac00 \ub0b4\ub824\uac00\ub294 \uc0c1\ud669\uc5d0\uc11c\ub294 \ub300\ucd9c\uae08\ub9ac\ub3c4 \ub0ae\uc544\uc9c8 \uac00\ub2a5\uc131\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n \ub2e4\ub9cc \uc5ec\uae30\uc11c \uc911\uc694\ud55c \uac83\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n \uae30\uc900\uae08\ub9ac\uac00 0.25%\ud3ec\uc778\ud2b8 \uc62c\ub790\ub2e4\uace0 \ub0b4 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uae08\ub9ac\uac00 \ubb34\uc870\uac74 \ub2e4\uc74c \ub0a0 \uc815\ud655\ud788 0.25%\ud3ec\uc778\ud2b8 \uc624\ub974\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4.<\/strong><\/p>\n\n\n\n \uc2e4\uc81c \ub300\ucd9c\uae08\ub9ac\ub294 \ucf54\ud53d\uc2a4(COFIX), \uae08\uc735\ucc44 \uae08\ub9ac\uc640 \uac19\uc740 \uc900\uac70\uae08\ub9ac\uc640 \uac00\uc0b0\uae08\ub9ac, \uc6b0\ub300\uae08\ub9ac, \ub300\ucd9c \uc885\ub958 \ubc0f \uae08\ub9ac \ubcc0\uacbd \uc8fc\uae30 \ub4f1\uc5d0 \ub530\ub77c \uacb0\uc815\ub418\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n \ud55c\uad6d\uc740\ud589\uc740 2026\ub144 7\uc6d4 \uae08\ub9ac \uc778\uc0c1\uc758 \uc774\uc720\ub85c \ud06c\uac8c \ubb3c\uac00\uc640 \uacbd\uc81c \uc131\uc7a5, \uae08\uc735\uc548\uc815 \uc704\ud5d8<\/strong> \ub4f1\uc744 \uc81c\uc2dc\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n \ud55c\uad6d\uc740\ud589\uc740 \uc218\ucd9c\uacfc \ud22c\uc790\ub97c \uc911\uc2ec\uc73c\ub85c \uc131\uc7a5\uc138\uac00 \uac15\ud654\ub418\uace0 \uc788\ub294 \uac00\uc6b4\ub370 \ubb3c\uac00\uc0c1\uc2b9\ub960\uc774 \uc0c1\ub2f9 \uae30\uac04 \ubaa9\ud45c \uc218\uc900\uc744 \uc6c3\ub3cc \uac83\uc73c\ub85c \uc804\ub9dd\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n \ub3d9\uc2dc\uc5d0 \uac00\uacc4\ub300\ucd9c\uc774 \ud06c\uac8c \uc99d\uac00\ud558\uace0 \uc218\ub3c4\uad8c \uc8fc\ud0dd\uac00\uaca9 \uc0c1\uc2b9\uc138\uac00 \ud655\ub300\ub418\ub294 \uc0c1\ud669\uc5d0\ub3c4 \uc8fc\ubaa9\ud588\uc2b5\ub2c8\ub2e4. \ud55c\uad6d\uc740\ud589<\/a><\/p>\n\n\n\n \uc774\uac78 \uc870\uae08 \ub354 \uc27d\uac8c \uc124\uba85\ud574 \ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n \ud55c\uad6d\uc740\ud589\uc758 \uc911\uc694\ud55c \ubaa9\ud45c \uc911 \ud558\ub098\uac00 \ubb3c\uac00 \uc548\uc815<\/strong>It is.<\/p>\n\n\n\n \ud604\uc7ac \ud55c\uad6d\uc740\ud589\uc758 \ubb3c\uac00\uc548\uc815\ubaa9\ud45c\ub294 \uc18c\ube44\uc790\ubb3c\uac00 \uc0c1\uc2b9\ub960 \uae30\uc900 **2%**\uc785\ub2c8\ub2e4. \ud55c\uad6d\uc740\ud589<\/a><\/p>\n\n\n\n \uadf8\ub7f0\ub370 \ubb3c\uac00\uac00 \uacc4\uc18d \ube60\ub974\uac8c \uc0c1\uc2b9\ud558\uba74 \uc6b0\ub9ac\uac00 \uac19\uc740 \ub3c8\uc73c\ub85c \uc0b4 \uc218 \uc788\ub294 \ubb3c\uac74\uc758 \uc591\uc774 \uc904\uc5b4\ub4ed\ub2c8\ub2e4.<\/p>\n\n\n\n \uc608\ub97c \ub4e4\uc5b4 \uc608\uc804\uc5d0\ub294 1\ub9cc \uc6d0\uc73c\ub85c \uc0b4 \uc218 \uc788\uc5c8\ub358 \ubb3c\uac74\uc774 \uc2dc\uac04\uc774 \uc9c0\ub098 1\ub9cc2\ucc9c \uc6d0\uc774 \ud544\uc694\ud558\uac8c \ub418\ub294 \uc2dd\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n \uae08\ub9ac\ub97c \uc62c\ub9ac\uba74 \uc77c\ubc18\uc801\uc73c\ub85c \ub3c8\uc744 \ube4c\ub9ac\ub294 \ubd80\ub2f4\uc774 \ucee4\uc9c0\uace0 \uc800\ucd95\uc758 \ub9e4\ub825\uc740 \uc0c1\ub300\uc801\uc73c\ub85c \ub192\uc544\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\uc5d0 \ub530\ub77c \uc18c\ube44\uc640 \ud22c\uc790\uac00 \ub454\ud654\ub418\uba74\uc11c \uacbd\uc81c\uc758 \uacfc\ub3c4\ud55c \uc218\uc694\uc640 \ubb3c\uac00 \uc0c1\uc2b9 \uc555\ub825\uc744 \ub0ae\ucd94\ub294 \ud6a8\uacfc\ub97c \uae30\ub300\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n \uc27d\uac8c \ud45c\ud604\ud558\uba74 \uacbd\uc81c\uac00 \ub108\ubb34 \ub728\uac70\uc6cc\uc84c\uc744 \ub54c \uae08\ub9ac\ub77c\ub294 \ube0c\ub808\uc774\ud06c\ub97c \ubc1f\ub294 \uac83<\/strong>\uacfc \ube44\uc2b7\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n \uae08\ub9ac\uac00 \ub0ae\uc73c\uba74 \ub3c8\uc744 \ube4c\ub9ac\ub294 \ubd80\ub2f4\uc774 \uc0c1\ub300\uc801\uc73c\ub85c \uc791\uc544\uc9d1\ub2c8\ub2e4.<\/p>\n\n\n\n \uadf8\ub7ec\ub2e4 \ubcf4\uba74 \uc8fc\ud0dd \uad6c\uc785\uc774\ub098 \ud22c\uc790 \ub4f1\uc744 \uc704\ud574 \ub300\ucd9c\uc744 \ubc1b\uc73c\ub824\ub294 \uc0ac\ub78c\ub3c4 \ub298\uc5b4\ub0a0 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n \ubc18\ub300\ub85c \uae08\ub9ac\uac00 \uc62c\ub77c\uac00\uba74 \ub300\ucd9c\uc744 \ubc1b\uc744 \ub54c \ubd80\ub2f4\ud574\uc57c \ud558\ub294 \uc774\uc790\uac00 \ucee4\uc9c8 \uac00\ub2a5\uc131\uc774 \uc788\uae30 \ub54c\ubb38\uc5d0 \ub3c8\uc744 \ube4c\ub9ac\ub294 \ub370 \uc870\uae08 \ub354 \uc2e0\uc911\ud574\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n \ud55c\uad6d\uc740\ud589\uc740 7\uc6d4 \uae30\uc900\uae08\ub9ac\ub97c \uacb0\uc815\ud558\uba74\uc11c \uac00\uacc4\ub300\ucd9c\uc774 \ud070 \ud3ed\uc73c\ub85c \uc99d\uac00\ud558\uace0 \uc218\ub3c4\uad8c \uc8fc\ud0dd\uac00\uaca9\uc758 \uc624\ub984\uc138\uac00 \ud655\ub300\ub410\ub2e4<\/strong>\ub294 \uc810\ub3c4 \uc5b8\uae09\ud588\uc2b5\ub2c8\ub2e4. \ud55c\uad6d\uc740\ud589<\/a><\/p>\n\n\n\n \ub530\ub77c\uc11c \uc774\ubc88 \uae08\ub9ac \uc778\uc0c1\uc5d0\ub294 \ubb3c\uac00\ubfd0 \uc544\ub2c8\ub77c \uac00\uacc4\ubd80\ucc44\uc640 \ubd80\ub3d9\uc0b0\uc2dc\uc7a5 \ub4f1 \uae08\uc735\uc548\uc815 \ubb38\uc81c\ub3c4 \ud568\uaed8 \uace0\ub824\ub410\ub2e4\uace0 \ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n \uae08\ub9ac\uc640 \ud658\uc728 \uc5ed\uc2dc \uc11c\ub85c \uc644\uc804\ud788 \ubcc4\uac1c\uc758 \ubb38\uc81c\uac00 \uc544\ub2d9\ub2c8\ub2e4.<\/p>\n\n\n\n \uc77c\ubc18\uc801\uc73c\ub85c \ub2e4\ub978 \uc870\uac74\uc774 \uac19\ub2e4\uba74 \uae08\ub9ac\uac00 \ub192\uc740 \ub098\ub77c\uc758 \uae08\uc735\uc790\uc0b0\uc740 \ud22c\uc790\uc790\uc5d0\uac8c \uc0c1\ub300\uc801\uc73c\ub85c \ub9e4\ub825\uc801\uc73c\ub85c \ubcf4\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n \ubc18\ub300\ub85c \ub2e4\ub978 \uad6d\uac00\uc640 \ube44\uad50\ud574 \uae08\ub9ac\uac00 \ud06c\uac8c \ub0ae\uc544\uc9c0\uba74 \uc790\uae08 \uc774\ub3d9\uacfc \ud658\uc728\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294 \uc694\uc778\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n \uc2e4\uc81c\ub85c \ud55c\uad6d\uc740\ud589\uc740 \uc774\ubc88 \uae08\ub9ac \uacb0\uc815 \ub2f9\uc2dc \uc6d0\u00b7\ub2ec\ub7ec \ud658\uc728\uc758 \ub192\uc740 \ubcc0\ub3d9\uc131\uc5d0\ub3c4 \uc8fc\uc758\ub97c \uae30\uc6b8\uc77c \ud544\uc694\uac00 \uc788\ub2e4\uace0 \ubc1d\ud614\uc2b5\ub2c8\ub2e4. \ud55c\uad6d\uc740\ud589<\/a><\/p>\n\n\n\n \ubb3c\ub860 **\u201c\uae08\ub9ac\ub97c \uc62c\ub9ac\uba74 \ubb34\uc870\uac74 \uc6d0\u00b7\ub2ec\ub7ec \ud658\uc728\uc774 \ub0b4\ub824\uac04\ub2e4\u201d**\uace0 \uc0dd\uac01\ud558\uba74 \uc548 \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n \ud658\uc728\uc5d0\ub294 \ud55c\uad6d\uacfc \ubbf8\uad6d\uc758 \uae08\ub9ac\ubfd0 \uc544\ub2c8\ub77c \uacbd\uae30 \uc804\ub9dd, \uad6d\uc81c \uc815\uc138, \uc678\uad6d\uc778 \ud22c\uc790\uc790\uae08, \ubb34\uc5ed\uc218\uc9c0, \ub2ec\ub7ec \uac00\uce58 \ub4f1 \uc218\ub9ce\uc740 \uc694\uc778\uc774 \ub3d9\uc2dc\uc5d0 \uc601\ud5a5\uc744 \uc8fc\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n \ub9ce\uc740 \uc0ac\ub78c\uc774 \uac00\uc7a5 \uad81\uae08\ud574\ud558\ub294 \ubd80\ubd84\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n \uac04\ub2e8\ud55c \uc608\ub97c \ub4e4\uc5b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n 3\uc5b5 \uc6d0\uc744 \ub300\ucd9c\ubc1b\uc740 \uc0ac\ub78c\uc774 \uc788\ub2e4\uace0 \uac00\uc815\ud558\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n \ub9cc\uc57d \uc774 \uc0ac\ub78c\uc758 \uc2e4\uc81c \ub300\ucd9c\uae08\ub9ac\uac00 \uae30\uc900\uae08\ub9ac \uc778\uc0c1\ud3ed\uacfc \ub3d9\uc77c\ud558\uac8c 0.25%\ud3ec\uc778\ud2b8 \uc0c1\uc2b9\ud588\ub2e4\uace0 \ub2e8\uc21c \uac00\uc815<\/strong>\ud558\uba74,<\/p>\n\n\n\n 3\uc5b5 \uc6d0 \u00d7 0.25% = \uc5f0\uac04 \uc57d 75\ub9cc \uc6d0<\/strong><\/p>\n\n\n\n \uc815\ub3c4\uc758 \ucd94\uac00 \uc774\uc790 \ubd80\ub2f4\uc774 \uc0dd\uae41\ub2c8\ub2e4.<\/p>\n\n\n\n \uc6d4\ud3c9\uade0\uc73c\ub85c \ub2e8\uc21c\ud558\uac8c \ub098\ub204\uba74 \uc57d 6\ub9cc2,500\uc6d0<\/strong>It is.<\/p>\n\n\n\n 5\uc5b5 \uc6d0\uc774\ub77c\uba74 \uac19\uc740 \ubc29\uc2dd\uc73c\ub85c \uacc4\uc0b0\ud588\uc744 \ub54c \uc5f0\uac04 \uc57d 125\ub9cc \uc6d0<\/strong>, \uc6d4\ud3c9\uade0 \uc57d 10\ub9cc4,000\uc6d0<\/strong>\uc758 \ucc28\uc774\uac00 \ubc1c\uc0dd\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n \ud558\uc9c0\ub9cc \uc774\uac83\uc740 \uc5b4\ub514\uae4c\uc9c0\ub098 \ub300\ucd9c\uae08\ub9ac\uac00 \uc815\ud655\ud788 0.25%\ud3ec\uc778\ud2b8 \uc0c1\uc2b9\ud55c\ub2e4\uace0 \uac00\uc815\ud55c \ub2e8\uc21c \uacc4\uc0b0<\/strong>It is.<\/p>\n\n\n\n \uc2e4\uc81c\ub85c \ub0b4\uac00 \ubd80\ub2f4\ud558\ub294 \uc774\uc790\uac00 \uc774\ub9cc\ud07c \ubc14\ub85c \uc99d\uac00\ud55c\ub2e4\ub294 \ub73b\uc740 \uc544\ub2d9\ub2c8\ub2e4.<\/p>\n\n\n\n \uace0\uc815\uae08\ub9ac\uc778\uc9c0 \ubcc0\ub3d9\uae08\ub9ac\uc778\uc9c0, \uc5b4\ub5a4 \uc900\uac70\uae08\ub9ac\ub97c \uc0ac\uc6a9\ud558\ub294\uc9c0, \uae08\ub9ac\uac00 \uba87 \uac1c\uc6d4\ub9c8\ub2e4 \ubcc0\uacbd\ub418\ub294\uc9c0 \ub4f1\uc5d0 \ub530\ub77c \uacb0\uacfc\uac00 \ud06c\uac8c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n \uc5ec\uae30\uc11c \uc54c\uc544\ub450\uba74 \uc88b\uc740 \uac83\uc774 \uace0\uc815\uae08\ub9ac\uc640 \ubcc0\ub3d9\uae08\ub9ac<\/strong>It is.<\/p>\n\n\n\n \uace0\uc815\uae08\ub9ac\ub294 \uc77c\uc815 \uae30\uac04 \uc57d\uc18d\ub41c \uae08\ub9ac\uac00 \uc720\uc9c0\ub418\ub294 \ubc29\uc2dd\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n \ub530\ub77c\uc11c \uae30\uc900\uae08\ub9ac\uac00 \uc62c\ub790\ub2e4\uace0 \ud574\uc11c \uc774\ubbf8 \uc57d\uc815\ub41c \uace0\uc815\uae08\ub9ac \ub300\ucd9c\uc758 \uae08\ub9ac\uac00 \uc989\uc2dc \ub530\ub77c\uc11c \uc62c\ub77c\uac00\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4.<\/p>\n\n\n\n \ubc18\uba74 \ubcc0\ub3d9\uae08\ub9ac\ub294 \uc77c\uc815\ud55c \uc8fc\uae30\uc5d0 \ub530\ub77c \uae08\ub9ac\uac00 \ub2e4\uc2dc \uc0b0\uc815\ub418\uae30 \ub54c\ubb38\uc5d0 \uc2dc\uc7a5\uae08\ub9ac \ubcc0\ud654\uc758 \uc601\ud5a5\uc744 \ubc1b\uc744 \uac00\ub2a5\uc131\uc774 \uc0c1\ub300\uc801\uc73c\ub85c \ud07d\ub2c8\ub2e4.<\/p>\n\n\n\n \uadf8\ub798\uc11c \uae08\ub9ac \uc778\uc0c1 \ub274\uc2a4\ub97c \ubd24\ub2e4\uba74 \ub2e8\uc21c\ud788 \u201c\ub0b4 \ub300\ucd9c\uc774\uc790\ub3c4 \uc624\ub978\ub2e4\u201d\uace0 \uc0dd\uac01\ud558\uae30\ubcf4\ub2e4\ub294 \ub0b4 \ub300\ucd9c\uc774 \uace0\uc815\uae08\ub9ac\uc778\uc9c0 \ubcc0\ub3d9\uae08\ub9ac\uc778\uc9c0\ubd80\ud130 \ud655\uc778\ud558\ub294 \uac83<\/strong>\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n \uae08\ub9ac\uac00 \uc624\ub974\uba74 \ub300\ucd9c\uc744 \ubc1b\uc740 \uc0ac\ub78c\uc5d0\uac8c\ub294 \ubd80\ub2f4\uc774 \ub420 \uc218 \uc788\uc9c0\ub9cc \ub3c8\uc744 \uc800\ucd95\ud558\ub294 \uc0ac\ub78c\uc5d0\uac8c\ub294 \ubc18\ub300 \ud6a8\uacfc\uac00 \ub098\ud0c0\ub0a0 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n \uc740\ud589\ub4e4\uc774 \uc608\uae08\uacfc \uc801\uae08\uc758 \uae08\ub9ac\ub97c \uc62c\ub9ac\uba74 \uac19\uc740 \ub3c8\uc744 \ub9e1\uaca8\ub3c4 \uc774\uc804\ubcf4\ub2e4 \ub9ce\uc740 \uc774\uc790\ub97c \ubc1b\uc744 \uc218 \uc788\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n \uc2e4\uc81c\ub85c \ud55c\uad6d\uc740\ud589 \ud1b5\uacc4\uc5d0 \ub530\ub974\uba74 2026\ub144 6\uc6d4 \uc608\uae08\uc740\ud589\uc758 \uc2e0\uaddc\ucde8\uae09\uc561 \uae30\uc900 \uc800\ucd95\uc131\uc218\uc2e0\uae08\ub9ac\ub294 **\uc5f0 3.08%**\ub85c \uc804\uc6d4\ubcf4\ub2e4 0.15%\ud3ec\uc778\ud2b8 \uc0c1\uc2b9\ud588\uace0, \ub300\ucd9c\uae08\ub9ac\ub294 **\uc5f0 4.31%**\ub85c 0.12%\ud3ec\uc778\ud2b8 \uc0c1\uc2b9\ud588\uc2b5\ub2c8\ub2e4. \ub2e4\ub9cc \uc774\ub294 7\uc6d4 \uae30\uc900\uae08\ub9ac \uc778\uc0c1 \uc9c1\uc804\uc778 6\uc6d4 \ud1b5\uacc4\uc774\uba70, \uae30\uc900\uae08\ub9ac\uc640 \uc608\uae08\u00b7\ub300\ucd9c\uae08\ub9ac\uac00 \ud56d\uc0c1 \uac19\uc740 \ud3ed\uacfc \uc2dc\uc810\uc73c\ub85c \uc6c0\uc9c1\uc774\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. \ud55c\uad6d\uc740\ud589<\/a><\/p>\n\n\n\n \uc77c\ubc18\uc801\uc73c\ub85c \uae08\ub9ac \uc0c1\uc2b9\uc740 \uc8fc\uc2dd\uc2dc\uc7a5\uc5d0\ub294 \ubd80\ub2f4 \uc694\uc778\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n \uae08\ub9ac\uac00 \ub192\uc544\uc9c0\uba74 \uae30\uc5c5\uc774 \ub3c8\uc744 \ube4c\ub9ac\ub294 \ube44\uc6a9\uc774 \uc99d\uac00\ud560 \uc218 \uc788\uace0, \ud22c\uc790\uc790 \uc785\uc7a5\uc5d0\uc11c\ub294 \uc608\uae08\uc774\ub098 \ucc44\uad8c \uac19\uc740 \uc774\uc790 \uc790\uc0b0\uc758 \ub9e4\ub825\uc774 \ub192\uc544\uc9c8 \uc218 \uc788\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n \ud558\uc9c0\ub9cc \uc5ec\uae30\uc11c\ub3c4 \uae08\ub9ac\uac00 \uc62c\ub790\ub2e4\uace0 \uc8fc\uc2dd\uc774 \ubb34\uc870\uac74 \ub5a8\uc5b4\uc9c0\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4.<\/strong><\/p>\n\n\n\n \uae30\uc5c5 \uc2e4\uc801, \uacbd\uc81c \uc131\uc7a5\ub960, \ud5a5\ud6c4 \uae08\ub9ac \uc804\ub9dd, \uad6d\uc81c \uc815\uc138 \ub4f1 \ud6e8\uc52c \ub9ce\uc740 \ubcc0\uc218\uac00 \uc8fc\uac00\ub97c \uc6c0\uc9c1\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n \uc624\ud788\ub824 \uc2dc\uc7a5\uc774 \uc774\ubbf8 \uae08\ub9ac \uc778\uc0c1\uc744 \uc608\uc0c1\ud558\uace0 \uc788\uc5c8\ub2e4\uba74 \uc2e4\uc81c \uae08\ub9ac \uc778\uc0c1 \ubc1c\ud45c \uc774\ud6c4 \uc8fc\uc2dd\uc2dc\uc7a5\uc758 \ubc18\uc751\uc774 \ud06c\uc9c0 \uc54a\uc744 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n \uae30\uc900\uae08\ub9ac\ub77c\uace0 \ud558\uba74 \uad49\uc7a5\ud788 \uc804\ubb38\uc801\uc778 \uacbd\uc81c \uc6a9\uc5b4\ucc98\ub7fc \ub290\uaef4\uc9d1\ub2c8\ub2e4.<\/p>\n\n\n\n \ud558\uc9c0\ub9cc \uc2e4\uc81c\ub85c\ub294 \uc6b0\ub9ac\uac00 \uc774\uc6a9\ud558\ub294 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c, \uc2e0\uc6a9\ub300\ucd9c, \uc608\uae08, \uc801\uae08, \uc8fc\uc2dd, \ubd80\ub3d9\uc0b0, \ud658\uc728<\/strong> \ub4f1\uc5d0 \uc9c1\uac04\uc811\uc801\uc73c\ub85c \uc601\ud5a5\uc744 \ubbf8\uce58\ub294 \uc911\uc694\ud55c \uc22b\uc790\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n \uae30\uc900\uae08\ub9ac\uac00 \uc62c\ub77c\uac00\uba74 \ub300\ucd9c\uc744 \uc774\uc6a9\ud558\ub294 \uc0ac\ub78c\uc5d0\uac8c\ub294 \uc774\uc790 \ubd80\ub2f4 \uc99d\uac00 \uac00\ub2a5\uc131\uc774 \uc0dd\uae30\uc9c0\ub9cc \uc608\uae08\uc790\uc5d0\uac8c\ub294 \ub354 \ub192\uc740 \uae08\ub9ac\ub97c \ubc1b\uc744 \uae30\ud68c\uac00 \uc0dd\uae38 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n \ubc18\ub300\ub85c \uae30\uc900\uae08\ub9ac\uac00 \ub0b4\ub824\uac00\uba74 \ub300\ucd9c \ubd80\ub2f4\uc774 \uc904\uc5b4\ub4e4 \uac00\ub2a5\uc131\uc774 \uc788\uc9c0\ub9cc \uc608\uae08\uc73c\ub85c \ubc1b\uc744 \uc218 \uc788\ub294 \uc774\uc790\ub294 \uac10\uc18c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n \uadf8\ub798\uc11c \uae08\ub9ac\ub294 \uc5b4\ub290 \ud55c\ucabd\uc5d0 \ubb34\uc870\uac74 \uc88b\uac70\ub098 \ub098\uc05c \uac83\uc774 \uc544\ub2c8\ub77c \uac01\uc790\uc758 \uacbd\uc81c \uc0c1\ud669\uc5d0 \ub530\ub77c \uc601\ud5a5\uc774 \ub2ec\ub77c\uc9d1\ub2c8\ub2e4.<\/strong><\/p>\n\n\n\n 2026\ub144 7\uc6d4 16\uc77c \ud55c\uad6d\uc740\ud589\uc740 \uae30\uc900\uae08\ub9ac\ub97c 2.50%\uc5d0\uc11c 2.75%\ub85c 0.25%\ud3ec\uc778\ud2b8 \uc778\uc0c1<\/strong>\ud588\uc2b5\ub2c8\ub2e4. \ud55c\uad6d\uc740\ud589\uc740 \uc131\uc7a5\uc138\uac00 \uac15\ud654\ub418\ub294 \uac00\uc6b4\ub370 \ubb3c\uac00\uac00 \uc0c1\ub2f9 \uae30\uac04 \ubaa9\ud45c \uc218\uc900\uc744 \uc6c3\ub3cc \uac83\uc73c\ub85c \uc608\uc0c1\ub418\uace0 \uac00\uacc4\ub300\ucd9c\uacfc \uc218\ub3c4\uad8c \uc8fc\ud0dd\uac00\uaca9 \ub4f1 \uae08\uc735\uc548\uc815 \uc704\ud5d8\ub3c4 \uc9c0\uc18d\ub418\uace0 \uc788\ub2e4\ub294 \uc810\uc744 \uc774\uc720\ub85c \ub4e4\uc5c8\uc2b5\ub2c8\ub2e4. \ud55c\uad6d\uc740\ud589<\/a><\/p>\n\n\n\n \uae08\ub9ac \uc778\uc0c1\uc740 \ub300\ucd9c\uc790\uc5d0\uac8c\ub294 \uc774\uc790 \ubd80\ub2f4 \uc99d\uac00 \uc694\uc778\uc774 \ub420 \uc218 \uc788\uace0 \uc608\uae08\uc790\uc5d0\uac8c\ub294 \uc608\uae08\uae08\ub9ac \uc0c1\uc2b9 \uc694\uc778\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n \ud558\uc9c0\ub9cc \uae30\uc900\uae08\ub9ac\uac00 \ubcc0\ud588\ub2e4\uace0 \ud574\uc11c \ub0b4 \ub300\ucd9c\uae08\ub9ac\uc640 \uc608\uae08\uae08\ub9ac\uac00 \ub611\uac19\uc740 \ud3ed\uc73c\ub85c \uc989\uc2dc \uc6c0\uc9c1\uc774\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4.<\/strong><\/p>\n\n\n\n \ub530\ub77c\uc11c \uae08\ub9ac \uad00\ub828 \ub274\uc2a4\ub97c \ubcfc \ub54c\ub294 \ub2e8\uc21c\ud788 \u201c\uae08\ub9ac\uac00 \uc62c\ub790\ub2e4\u201d\ub294 \uc0ac\uc2e4\ub9cc \ubcf4\ub294 \uac83\ubcf4\ub2e4 \uc65c \uc62c\ub838\ub294\uc9c0, \ub0b4 \ub300\ucd9c\uc740 \uc5b4\ub5a4 \uae08\ub9ac \ubc29\uc2dd\uc778\uc9c0, \uc55e\uc73c\ub85c \uc2dc\uc7a5\uae08\ub9ac\uac00 \uc5b4\ub5bb\uac8c \uc6c0\uc9c1\uc774\ub294\uc9c0<\/strong>\ub97c \ud568\uaed8 \uc0b4\ud3b4\ubcf4\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n \u203b \uc774 \uae00\uc740 \ud55c\uad6d\uc740\ud589\uc758 \uacf5\uc2dd \ubc1c\ud45c\uc640 \ud1b5\uacc4\ub97c \ubc14\ud0d5\uc73c\ub85c \uc77c\ubc18\uc801\uc778 \uacbd\uc81c \uc815\ubcf4\ub97c \uc27d\uac8c \uc124\uba85\ud558\uae30 \uc704\ud574 \uc791\uc131\ub410\uc73c\uba70 \ud2b9\uc815 \uae08\uc735\uc0c1\ud488\uc5d0 \ub300\ud55c \uac00\uc785\u00b7\ud22c\uc790 \uad8c\uc720\uac00 \uc544\ub2d9\ub2c8\ub2e4.<\/p>\n\n\n\n <\/p>","protected":false},"excerpt":{"rendered":" Let's find out as simply as possible what the base interest rate is, why the Bank of Korea raised it, and how rate hikes can affect our loans, deposits, and daily 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\ud604\uc7ac \ud55c\uad6d \uae30\uc900\uae08\ub9ac\ub294 2.75%<\/h2>\n\n\n\n
\uae30\uc900\uae08\ub9ac\ub780 \ubb34\uc5c7\uc77c\uae4c?<\/h2>\n\n\n\n
\uadf8\ub7f0\ub370 \ud55c\uad6d\uc740\ud589\uc740 \uc65c \uae08\ub9ac\ub97c \uc62c\ub838\uc744\uae4c?<\/h2>\n\n\n\n
\uccab \ubc88\uc9f8 \uc774\uc720, \ubb3c\uac00\ub97c \uc548\uc815\uc2dc\ud0a4\uae30 \uc704\ud574\uc11c<\/h2>\n\n\n\n
\ub450 \ubc88\uc9f8 \uc774\uc720, \uac00\uacc4\ub300\ucd9c \uc99d\uac00<\/h2>\n\n\n\n
\uc138 \ubc88\uc9f8 \uc774\uc720, \ud658\uc728\ub3c4 \ubb34\uc2dc\ud560 \uc218 \uc5c6\ub2e4<\/h2>\n\n\n\n
\uae30\uc900\uae08\ub9ac\uac00 0.25%p \uc624\ub974\uba74 \ub0b4 \ub300\ucd9c\uc774\uc790\ub294 \uc5bc\ub9c8\ub098 \ub298\uc5b4\ub0a0\uae4c?<\/h2>\n\n\n\n
\uace0\uc815\uae08\ub9ac\uc640 \ubcc0\ub3d9\uae08\ub9ac\uc758 \ucc28\uc774\ub3c4 \uc911\uc694\ud558\ub2e4<\/h2>\n\n\n\n
\uc608\uae08\uae08\ub9ac\ub3c4 \uac19\uc774 \uc62c\ub77c\uac08\uae4c?<\/h2>\n\n\n\n
\uc8fc\uc2dd\uc5d0\ub294 \uc5b4\ub5a4 \uc601\ud5a5\uc744 \uc904\uae4c?<\/h2>\n\n\n\n
\uae30\uc900\uae08\ub9ac\ub294 \uc6b0\ub9ac \uc0dd\ud65c\uacfc \uc0dd\uac01\ubcf4\ub2e4 \uac00\uae4c\uc774 \uc788\ub2e4<\/h2>\n\n\n\n
2026\ub144 \uae30\uc900\uae08\ub9ac \ud575\uc2ec \uc815\ub9ac<\/h2>\n\n\n\n