{"id":1147,"date":"2025-10-01T04:51:47","date_gmt":"2025-10-01T04:51:47","guid":{"rendered":"https:\/\/wallstreet-journal-news.com\/?p=1147"},"modified":"2025-10-01T04:51:49","modified_gmt":"2025-10-01T04:51:49","slug":"%ea%b8%b4%ea%b8%89-%eb%b6%84%ec%84%9d-5%eb%8c%80-%ec%9d%80%ed%96%89-%ec%a3%bc%ed%83%9d%eb%8b%b4%eb%b3%b4%eb%8c%80%ec%b6%9c-%ea%b8%88%eb%a6%ac-4%eb%8c%80-%ec%9d%bc%ec%a0%9c-%ec%83%81%eb%a5%99","status":"publish","type":"post","link":"https:\/\/wallstreet-journal-news.com\/?p=1147","title":{"rendered":"\uae34\uae09 \ubd84\uc11d: 5\ub300 \uc740\ud589 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uae08\ub9ac 4%\ub300 &#8216;\uc77c\uc81c \uc0c1\ub959&#8217;, \ub2f9\uc2e0\uc758 \ub300\ucd9c \uc804\ub7b5\uc740?"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_71 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/wallstreet-journal-news.com\/?p=1147\/#%EB%AA%A9%EC%B0%A8\" title=\"\ubaa9\ucc28\">\ubaa9\ucc28<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/wallstreet-journal-news.com\/?p=1147\/#1_%ED%94%84%EB%A1%A4%EB%A1%9C%EA%B7%B8_%EA%B8%88%EB%A6%AC_%EC%97%AD%EC%A3%BC%ED%96%89_%EA%B8%88%EC%9C%B5_%EC%8B%9C%EC%9E%A5%EC%9D%98_%EC%83%88%EB%A1%9C%EC%9A%B4_%EB%B3%80%EC%88%98\" title=\"1. \ud504\ub864\ub85c\uadf8: \uae08\ub9ac \uc5ed\uc8fc\ud589, \uae08\uc735 \uc2dc\uc7a5\uc758 \uc0c8\ub85c\uc6b4 \ubcc0\uc218\">1. \ud504\ub864\ub85c\uadf8: \uae08\ub9ac \uc5ed\uc8fc\ud589, \uae08\uc735 \uc2dc\uc7a5\uc758 \uc0c8\ub85c\uc6b4 \ubcc0\uc218<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/wallstreet-journal-news.com\/?p=1147\/#2_%EB%B3%B8%EB%A1%A0_1_%EC%99%9C_%EC%A3%BC%EB%8B%B4%EB%8C%80_%EA%B8%88%EB%A6%AC%EB%8A%94_4%EB%8C%80%EB%A1%9C_%EC%B9%98%EC%86%9F%EC%95%98%EB%82%98_%E2%80%93_%EC%A0%95%EB%B6%80_%EA%B7%9C%EC%A0%9C%EC%99%80_%EC%9D%80%ED%96%89%EC%9D%98_%EB%A6%AC%EC%8A%A4%ED%81%AC_%EA%B4%80%EB%A6%AC\" title=\"2. \ubcf8\ub860 1: \uc65c \uc8fc\ub2f4\ub300 \uae08\ub9ac\ub294 4%\ub300\ub85c \uce58\uc19f\uc558\ub098? \u2013 \uc815\ubd80 \uaddc\uc81c\uc640 \uc740\ud589\uc758 \ub9ac\uc2a4\ud06c \uad00\ub9ac\">2. \ubcf8\ub860 1: \uc65c \uc8fc\ub2f4\ub300 \uae08\ub9ac\ub294 4%\ub300\ub85c \uce58\uc19f\uc558\ub098? \u2013 \uc815\ubd80 \uaddc\uc81c\uc640 \uc740\ud589\uc758 \ub9ac\uc2a4\ud06c \uad00\ub9ac<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/wallstreet-journal-news.com\/?p=1147\/#11_%EC%A0%95%EB%B6%80%EC%9D%98_%EC%97%B0%EC%9D%B4%EC%9D%80_%EB%8C%80%EC%B6%9C_%EC%98%A5%EC%A3%84%EA%B8%B0_%EC%A0%95%EC%B1%85_6%C2%B727_%EB%B0%8F_9%C2%B77_%EB%8C%80%EC%B1%85\" title=\"1.1. \uc815\ubd80\uc758 \uc5f0\uc774\uc740 \ub300\ucd9c \uc625\uc8c4\uae30 \uc815\ucc45 (6\u00b727 \ubc0f 9\u00b77 \ub300\ucc45)\">1.1. \uc815\ubd80\uc758 \uc5f0\uc774\uc740 \ub300\ucd9c \uc625\uc8c4\uae30 \uc815\ucc45 (6\u00b727 \ubc0f 9\u00b77 \ub300\ucc45)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/wallstreet-journal-news.com\/?p=1147\/#12_%EC%9D%80%ED%96%89%EC%9D%98_%EB%8A%A5%EB%8F%99%EC%A0%81%EC%9D%B8_%EA%B0%80%EA%B3%84%EB%8C%80%EC%B6%9C_%EB%A6%AC%EC%8A%A4%ED%81%AC_%EA%B4%80%EB%A6%AC\" title=\"1.2. \uc740\ud589\uc758 \ub2a5\ub3d9\uc801\uc778 \uac00\uacc4\ub300\ucd9c \ub9ac\uc2a4\ud06c \uad00\ub9ac\">1.2. \uc740\ud589\uc758 \ub2a5\ub3d9\uc801\uc778 \uac00\uacc4\ub300\ucd9c \ub9ac\uc2a4\ud06c \uad00\ub9ac<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/wallstreet-journal-news.com\/?p=1147\/#3_%EB%B3%B8%EB%A1%A0_2_%E2%80%98%EC%98%88%EB%8C%80%EA%B8%88%EB%A6%AC%EC%B0%A8%EC%9D%98_%EC%97%AD%EC%84%A4_%E2%80%93_%EC%9D%80%ED%96%89%EC%9D%80_%EC%9B%83%EA%B3%A0_%EB%8C%80%EC%B6%9C%EC%9E%90%EB%8A%94_%EC%9A%B0%EB%8A%94_%EC%9D%B4%EC%9C%A0\" title=\"3. \ubcf8\ub860 2: &#8216;\uc608\ub300\uae08\ub9ac\ucc28&#8217;\uc758 \uc5ed\uc124 \u2013 \uc740\ud589\uc740 \uc6c3\uace0 \ub300\ucd9c\uc790\ub294 \uc6b0\ub294 \uc774\uc720\">3. \ubcf8\ub860 2: &#8216;\uc608\ub300\uae08\ub9ac\ucc28&#8217;\uc758 \uc5ed\uc124 \u2013 \uc740\ud589\uc740 \uc6c3\uace0 \ub300\ucd9c\uc790\ub294 \uc6b0\ub294 \uc774\uc720<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/wallstreet-journal-news.com\/?p=1147\/#4_%EA%B8%88%EB%A6%AC_%EC%83%81%EC%8A%B9%EA%B8%B0_%EC%8B%A4%EC%88%98%EC%9A%94%EC%9E%90%EB%A5%BC_%EC%9C%84%ED%95%9C_%ED%98%84%EB%AA%85%ED%95%9C_%EA%B8%88%EC%9C%B5_%ED%8F%AC%ED%8A%B8%ED%8F%B4%EB%A6%AC%EC%98%A4_%EC%A0%84%EB%9E%B5\" title=\"4.  \uae08\ub9ac \uc0c1\uc2b9\uae30, \uc2e4\uc218\uc694\uc790\ub97c \uc704\ud55c \ud604\uba85\ud55c \uae08\uc735 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc804\ub7b5\">4.  \uae08\ub9ac \uc0c1\uc2b9\uae30, \uc2e4\uc218\uc694\uc790\ub97c \uc704\ud55c \ud604\uba85\ud55c \uae08\uc735 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc804\ub7b5<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/wallstreet-journal-news.com\/?p=1147\/#41_%EB%85%BC%ED%8F%89_%EA%B8%88%EC%9C%B5_%EC%95%88%EC%A0%95%EC%84%B1%EA%B3%BC_%EA%B0%80%EA%B3%84_%EB%B6%80%EC%B1%84%EC%9D%98_%EA%B7%A0%ED%98%95%EC%A0%90\" title=\"4.1. \ub17c\ud3c9: \uae08\uc735 \uc548\uc815\uc131\uacfc \uac00\uacc4 \ubd80\ucc44\uc758 \uade0\ud615\uc810\">4.1. \ub17c\ud3c9: \uae08\uc735 \uc548\uc815\uc131\uacfc \uac00\uacc4 \ubd80\ucc44\uc758 \uade0\ud615\uc810<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/wallstreet-journal-news.com\/?p=1147\/#42_%EC%84%A0%EB%B3%84_%EA%B2%8C%EC%9E%AC_%EB%B0%8F_%EB%B6%80%EA%B0%80%EA%B0%80%EC%B9%98_%EB%8C%80%EC%B6%9C%EC%9E%90%EB%A5%BC_%EC%9C%84%ED%95%9C_3%EA%B0%80%EC%A7%80_%ED%96%89%EB%8F%99_%EC%A7%80%EC%B9%A8\" title=\"4.2. \uc120\ubcc4 \uac8c\uc7ac \ubc0f \ubd80\uac00\uac00\uce58: \ub300\ucd9c\uc790\ub97c \uc704\ud55c 3\uac00\uc9c0 \ud589\ub3d9 \uc9c0\uce68\">4.2. \uc120\ubcc4 \uac8c\uc7ac \ubc0f \ubd80\uac00\uac00\uce58: \ub300\ucd9c\uc790\ub97c \uc704\ud55c 3\uac00\uc9c0 \ud589\ub3d9 \uc9c0\uce68<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/wallstreet-journal-news.com\/?p=1147\/#5_%EA%B8%88%EC%9C%B5_%EB%B3%80%EB%8F%99%EC%84%B1_%EC%8B%9C%EB%8C%80_%EB%8C%80%EC%B6%9C%EC%9E%90%EC%97%90%EA%B2%8C_%ED%95%84%EC%9A%94%ED%95%9C_%EA%B2%83%EC%9D%80\" title=\"5.  \uae08\uc735 \ubcc0\ub3d9\uc131 \uc2dc\ub300, \ub300\ucd9c\uc790\uc5d0\uac8c \ud544\uc694\ud55c \uac83\uc740?\">5.  \uae08\uc735 \ubcc0\ub3d9\uc131 \uc2dc\ub300, \ub300\ucd9c\uc790\uc5d0\uac8c \ud544\uc694\ud55c \uac83\uc740?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/wallstreet-journal-news.com\/?p=1147\/#%EA%B4%80%EB%A0%A8_%ED%82%A4%EC%9B%8C%EB%93%9C_%EB%B0%8F_%ED%95%B4%EC%8B%9C%ED%83%9C%EA%B7%B8_%EC%A0%95%EB%A6%AC\" title=\"\uad00\ub828 \ud0a4\uc6cc\ub4dc \ubc0f \ud574\uc2dc\ud0dc\uadf8 \uc815\ub9ac\">\uad00\ub828 \ud0a4\uc6cc\ub4dc \ubc0f \ud574\uc2dc\ud0dc\uadf8 \uc815\ub9ac<\/a><\/li><\/ul><\/nav><\/div>\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%EB%AA%A9%EC%B0%A8\"><\/span>\ubaa9\ucc28<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>\ud504\ub864\ub85c\uadf8: \uae08\ub9ac \uc5ed\uc8fc\ud589, \uae08\uc735 \uc2dc\uc7a5\uc758 \uc0c8\ub85c\uc6b4 \ubcc0\uc218<\/strong><\/li>\n\n\n\n<li><strong>\ubcf8\ub860 1: \uc65c \uc8fc\ub2f4\ub300 \uae08\ub9ac\ub294 4%\ub300\ub85c \uce58\uc19f\uc558\ub098? \u2013 \uc815\ubd80 \uaddc\uc81c\uc640 \uc740\ud589\uc758 \ub9ac\uc2a4\ud06c \uad00\ub9ac<\/strong><\/li>\n\n\n\n<li><strong>\ubcf8\ub860 2: &#8216;\uc608\ub300\uae08\ub9ac\ucc28&#8217;\uc758 \uc5ed\uc124 \u2013 \uc740\ud589\uc740 \uc6c3\uace0 \ub300\ucd9c\uc790\ub294 \uc6b0\ub294 \uc774\uc720<\/strong><\/li>\n\n\n\n<li><strong>\uc804\ubb38\uac00 \ub17c\ud3c9: \uae08\ub9ac \uc0c1\uc2b9\uae30, \uc2e4\uc218\uc694\uc790\ub97c \uc704\ud55c \ud604\uba85\ud55c \uae08\uc735 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc804\ub7b5<\/strong><\/li>\n\n\n\n<li><strong>\uc5d0\ud544\ub85c\uadf8: \uae08\uc735 \ubcc0\ub3d9\uc131 \uc2dc\ub300, \ub300\ucd9c\uc790\uc5d0\uac8c \ud544\uc694\ud55c \uac83\uc740?<\/strong><\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_%ED%94%84%EB%A1%A4%EB%A1%9C%EA%B7%B8_%EA%B8%88%EB%A6%AC_%EC%97%AD%EC%A3%BC%ED%96%89_%EA%B8%88%EC%9C%B5_%EC%8B%9C%EC%9E%A5%EC%9D%98_%EC%83%88%EB%A1%9C%EC%9A%B4_%EB%B3%80%EC%88%98\"><\/span>1. \ud504\ub864\ub85c\uadf8: \uae08\ub9ac \uc5ed\uc8fc\ud589, \uae08\uc735 \uc2dc\uc7a5\uc758 \uc0c8\ub85c\uc6b4 \ubcc0\uc218<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\ucd5c\uadfc \uad6d\ub0b4 \uae08\uc735 \uc2dc\uc7a5\uc5d0 \uc2ec\uc0c1\uce58 \uc54a\uc740 \uae30\ub958\uac00 \uac10\uc9c0\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ubc14\ub85c \uc8fc\uc694 <strong>\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c<\/strong>(<strong>\uc8fc\ub2f4\ub300<\/strong>) \uae08\ub9ac\uc758 \uae09\uaca9\ud55c \uc0c1\uc2b9\uc138\uc785\ub2c8\ub2e4. \ud55c\uad6d \uacbd\uc81c\uc758 \ud575\uc2ec \ucd95\uc778 \uc8fc\ud0dd \uc2dc\uc7a5\uc758 \uc2ec\ub9ac\uac00 \uc704\ucd95\ub418\ub294 \uac00\uc6b4\ub370, KB\uad6d\ubbfc, \uc2e0\ud55c, \ud558\ub098, \uc6b0\ub9ac, NH\ub18d\ud611 \ub4f1 <strong>5\ub300 \uc740\ud589<\/strong>\uc758 <strong>\uc8fc\ub2f4\ub300 \ud3c9\uade0 \uae08\ub9ac<\/strong>\uac00 \uc77c\uc81c\ud788 <strong>\uc5f0 4%\ub300<\/strong>\uc5d0 \uc9c4\uc785\ud588\ub2e4\ub294 \uc18c\uc2dd\uc740 \ub9ce\uc740 \ub300\ucd9c\uc790\ub4e4\uc5d0\uac8c \ubd88\uc548\uac10\uc744 \uc548\uaca8\uc8fc\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ubd88\uacfc 1\ub144 \uc804\ub9cc \ud574\ub3c4 \uc5f0 3%\ub300\uc5d0 \uba38\ubb3c\ub358 \uae08\ub9ac\uac00 \uce58\uc19f\uc740 \ubc30\uacbd\uc5d0\ub294 \ubb34\uc5c7\uc774 \uc788\uc744\uae4c\uc694? \ub2e8\uc21c\ud788 \uc2dc\uc7a5 \uc0c1\ud669\uc758 \ubcc0\ud654\ub97c \ub118\uc5b4\uc120, \uc815\ubd80 \uc815\ucc45\uacfc \uc740\ud589\uad8c\uc758 \ubcf5\ud569\uc801\uc778 \ub9ac\uc2a4\ud06c \uad00\ub9ac \uc804\ub7b5\uc774 \uc228\uc5b4\uc788\uc2b5\ub2c8\ub2e4. \uc774 \uae00\uc5d0\uc11c\ub294 \ucd5c\uadfc\uc758 <strong>\uae08\ub9ac \uc0c1\uc2b9<\/strong> \ud604\uc0c1\uc744 \uc2ec\uce35\uc801\uc73c\ub85c \ubd84\uc11d\ud558\uace0, \ub300\ucd9c\uc790\ub4e4\uc774 \ucde8\ud574\uc57c \ud560 <strong>\ud604\uba85\ud55c \ub300\uc751 \uc804\ub7b5<\/strong>\uc744 \ubaa8\uc0c9\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_%EB%B3%B8%EB%A1%A0_1_%EC%99%9C_%EC%A3%BC%EB%8B%B4%EB%8C%80_%EA%B8%88%EB%A6%AC%EB%8A%94_4%EB%8C%80%EB%A1%9C_%EC%B9%98%EC%86%9F%EC%95%98%EB%82%98_%E2%80%93_%EC%A0%95%EB%B6%80_%EA%B7%9C%EC%A0%9C%EC%99%80_%EC%9D%80%ED%96%89%EC%9D%98_%EB%A6%AC%EC%8A%A4%ED%81%AC_%EA%B4%80%EB%A6%AC\"><\/span>2. \ubcf8\ub860 1: \uc65c \uc8fc\ub2f4\ub300 \uae08\ub9ac\ub294 4%\ub300\ub85c \uce58\uc19f\uc558\ub098? \u2013 \uc815\ubd80 \uaddc\uc81c\uc640 \uc740\ud589\uc758 \ub9ac\uc2a4\ud06c \uad00\ub9ac<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>5\ub300 \uc740\ud589<\/strong>\uc758 \ubd84\ud560 \uc0c1\ud658 \ubc29\uc2dd <strong>\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c<\/strong> <strong>\ud3c9\uade0 \uae08\ub9ac<\/strong>\uac00 4\uac1c\uc6d4 \ub9cc\uc5d0 \ub2e4\uc2dc 4%\ub300\ub85c \uc62c\ub77c\uc120 \uac83\uc740 \ub2e8\uc21c\ud788 \uc2dc\uc7a5 \uae08\ub9ac\uc758 \ubcc0\ub3d9\ub9cc\uc73c\ub85c\ub294 \uc124\uba85\ud558\uae30 \uc5b4\ub835\uc2b5\ub2c8\ub2e4. 1\ub144 \uc804\uc778 \uc791\ub144 9\uc6d4, 3%\ub300\uc5d0 \uba38\ubb3c\ub358 \uae08\ub9ac\uac00 \uc774\ud1a0\ub85d \ube60\ub974\uac8c \uc0c1\uc2b9\ud55c \ub370\uc5d0\ub294 \uc815\ubd80\uc758 \uac15\ub825\ud55c <strong>\ub300\ucd9c \uaddc\uc81c<\/strong> \uc815\ucc45\uc774 \ud070 \uc601\ud5a5\uc744 \ubbf8\ucce4\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"11_%EC%A0%95%EB%B6%80%EC%9D%98_%EC%97%B0%EC%9D%B4%EC%9D%80_%EB%8C%80%EC%B6%9C_%EC%98%A5%EC%A3%84%EA%B8%B0_%EC%A0%95%EC%B1%85_6%C2%B727_%EB%B0%8F_9%C2%B77_%EB%8C%80%EC%B1%85\"><\/span>1.1. \uc815\ubd80\uc758 \uc5f0\uc774\uc740 \ub300\ucd9c \uc625\uc8c4\uae30 \uc815\ucc45 (6\u00b727 \ubc0f 9\u00b77 \ub300\ucc45)<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\uc815\ubd80\ub294 \uacfc\uc5f4\ub41c \uc8fc\ud0dd \uc2dc\uc7a5\uc744 \uc9c4\uc815\uc2dc\ud0a4\uace0 \uac00\uacc4 \ubd80\ucc44 \uc99d\uac00 \uc18d\ub3c4\ub97c \uc870\uc808\ud558\uae30 \uc704\ud574 \uc5f0\uc774\uc5b4 \uac15\ub825\ud55c \uaddc\uc81c\ucc45\uc744 \ubc1c\ud45c\ud588\uc2b5\ub2c8\ub2e4. \ud2b9\ud788, 6\u00b727 \ub300\ucc45\uc744 \ud1b5\ud55c \uc218\ub3c4\uad8c \uc8fc\ud0dd <strong>\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c<\/strong> \ud55c\ub3c4 \uc81c\ud55c(\ucd5c\ub300 6\uc5b5 \uc6d0)\uacfc 9\u00b77 \ub300\ucc45\uc744 \ud1b5\ud574 \uaddc\uc81c \uc9c0\uc5ed \ub0b4 <strong>LTV<\/strong>(\uc8fc\ud0dd \ub2f4\ubcf4\uc778\uc815\ube44\uc728)\ub97c 50%\uc5d0\uc11c 40%\ub85c \ucd94\uac00 \ud558\ud5a5 \uc870\uc815\ud55c \uac83\uc740 \uc740\ud589\uad8c\uc758 <strong>\ub300\ucd9c<\/strong> \uc2ec\ub9ac\uc5d0 \uc9c1\uc811\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\ucce4\uc2b5\ub2c8\ub2e4. \ub300\ucd9c \ubb38\ud131\uc774 \ub192\uc544\uc9c0\uace0 \ud55c\ub3c4\uac00 \uc904\uc5b4\ub4e4\uba74\uc11c, \uc740\ud589\ub4e4\uc740 \ub0a8\uc544\uc788\ub294 <strong>\ub300\ucd9c<\/strong> \uc790\uc6d0\uc744 \ub354 \ub192\uc740 \uae08\ub9ac\ub85c \ubc30\uc815\ud558\uc5ec \ub9ac\uc2a4\ud06c\ub97c \uad00\ub9ac\ud558\ub824\ub294 \uc6c0\uc9c1\uc784\uc744 \ubcf4\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"12_%EC%9D%80%ED%96%89%EC%9D%98_%EB%8A%A5%EB%8F%99%EC%A0%81%EC%9D%B8_%EA%B0%80%EA%B3%84%EB%8C%80%EC%B6%9C_%EB%A6%AC%EC%8A%A4%ED%81%AC_%EA%B4%80%EB%A6%AC\"><\/span>1.2. \uc740\ud589\uc758 \ub2a5\ub3d9\uc801\uc778 \uac00\uacc4\ub300\ucd9c \ub9ac\uc2a4\ud06c \uad00\ub9ac<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\uc815\ubd80 \uaddc\uc81c\uc640 \ub354\ubd88\uc5b4, \uc740\ud589 \uc2a4\uc2a4\ub85c\ub3c4 \uac00\uacc4 <strong>\ub300\ucd9c<\/strong>\uc758 \uac74\uc804\uc131\uc744 \uad00\ub9ac\ud558\ub824\ub294 \ud544\uc694\uc131\uc774 \ucee4\uc84c\uc2b5\ub2c8\ub2e4. <strong>\uc9d1\uac12 \uc0c1\uc2b9<\/strong>\uc5d0 \ub530\ub978 \uc7a0\uc7ac\uc801 \ub9ac\uc2a4\ud06c\uc640 \uae08\uc735\ub2f9\uad6d\uc758 \ub208\ub192\uc774\ub97c \ub9de\ucd94\uae30 \uc704\ud574, \uc740\ud589\ub4e4\uc740 <strong>\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c<\/strong> \uae08\ub9ac\ub97c \uc778\uc0c1\ud558\ub294 \ubc29\uc2dd\uc73c\ub85c <strong>\uac00\uacc4 \ub300\ucd9c<\/strong>\uc758 \ucd1d\ub7c9\uc744 \uc870\uc808\ud558\uace0 \ub098\uc120 \uac83\uc785\ub2c8\ub2e4. \uc2ec\uc9c0\uc5b4 \uc2e0\uc6a9 \uc810\uc218 950\uc810 \uc774\uc0c1\uc758 <strong>\uace0\uc2e0\uc6a9\uc790<\/strong>\uc5d0\uac8c \uc801\uc6a9\ub418\ub294 <strong>\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c<\/strong> \uae08\ub9ac\ub9c8\uc800\ub3c4 \ub300\ubd80\ubd84\uc758 \uc740\ud589\uc5d0\uc11c 4%\ub97c \ub118\uc5b4\uc130\ub2e4\ub294 \uc0ac\uc2e4\uc740, \ub9ac\uc2a4\ud06c \uad00\ub9ac\uc5d0 \ub300\ud55c \uc740\ud589\uad8c\uc758 \uc758\uc9c0\uac00 \uc5bc\ub9c8\ub098 \uac15\ub825\ud55c\uc9c0 \ubcf4\uc5ec\uc8fc\ub294 \ub2e8\uba74\uc785\ub2c8\ub2e4. \uc740\ud589\uc740 \uae08\ub9ac \uc778\uc0c1\uc744 \ud1b5\ud574 \ub300\ucd9c \uc218\uc694\ub97c \uc5b5\uc81c\ud558\uace0, \ub3d9\uc2dc\uc5d0 \uc218\uc775\uc131\ub3c4 \ud655\ubcf4\ud558\ub294 &#8216;\uc77c\uc11d\uc774\uc870&#8217;\uc758 \ud6a8\uacfc\ub97c \ub178\ub9ac\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_%EB%B3%B8%EB%A1%A0_2_%E2%80%98%EC%98%88%EB%8C%80%EA%B8%88%EB%A6%AC%EC%B0%A8%EC%9D%98_%EC%97%AD%EC%84%A4_%E2%80%93_%EC%9D%80%ED%96%89%EC%9D%80_%EC%9B%83%EA%B3%A0_%EB%8C%80%EC%B6%9C%EC%9E%90%EB%8A%94_%EC%9A%B0%EB%8A%94_%EC%9D%B4%EC%9C%A0\"><\/span>3. \ubcf8\ub860 2: &#8216;\uc608\ub300\uae08\ub9ac\ucc28&#8217;\uc758 \uc5ed\uc124 \u2013 \uc740\ud589\uc740 \uc6c3\uace0 \ub300\ucd9c\uc790\ub294 \uc6b0\ub294 \uc774\uc720<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c<\/strong> \uae08\ub9ac\uac00 \uce58\uc19f\ub294 \uc0c1\ud669\uc5d0\uc11c, <strong>5\ub300 \uc740\ud589<\/strong>\uc758 <strong>\uc608\uae08 \uae08\ub9ac<\/strong>\ub294 \ub3c4\ub9ac\uc5b4 \uc624\ub974\uc9c0 \uc54a\uace0 \uc815\uccb4\ub418\ub294 \uae30\ud604\uc0c1\uc774 \ubc1c\uc0dd\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \ud55c\uad6d\uc740\ud589\uc758 \uae08\ub9ac \uc778\ud558 \uac00\ub2a5\uc131\uc774 \ub192\uc544\uc9c0\uba74\uc11c <strong>\uacbd\uae30 \ubd80\uc591<\/strong>\uc5d0 \ub300\ud55c \uae30\ub300 \uc2ec\ub9ac\uac00 \ubc18\uc601\ub41c \uacb0\uacfc\ub85c \ubcf4\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ub300\ucd9c \uae08\ub9ac<\/strong>\uc640 <strong>\uc608\uae08 \uae08\ub9ac<\/strong> \uac04\uc758 \uaca9\ucc28\ub97c \uc758\ubbf8\ud558\ub294 <strong>\uc608\ub300\uae08\ub9ac\ucc28<\/strong>\ub294 \uadf8\uc57c\ub9d0\ub85c \ubc8c\uc5b4\uc9c8 \ub300\ub85c \ubc8c\uc5b4\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. 8\uc6d4 \uae30\uc900 <strong>5\ub300 \uc740\ud589<\/strong>\uc758 \ud3c9\uade0 <strong>\uc608\ub300\uae08\ub9ac\ucc28<\/strong>\ub294 1.48%\ud3ec\uc778\ud2b8\ub85c, \uc804\ub2ec\ubcf4\ub2e4 \ub354\uc6b1 \ucee4\uc84c\uc73c\uba70 3\uac1c\uc6d4 \uc5f0\uc18d \uc0c1\uc2b9\uc138\ub97c \uae30\ub85d\ud588\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uc740\ud589\uc5f0\ud569\ud68c\uac00 \uad00\ub828 \ud1b5\uacc4\ub97c \uc791\uc131\ud55c \uc774\ub798 \uac00\uc7a5 \ud070 \uaca9\ucc28\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774\ub7ec\ud55c <strong>\uc608\ub300\uae08\ub9ac\ucc28<\/strong>\uc758 \ud655\ub300\ub294 \uc740\ud589\uc5d0\uac8c\ub294 \ub9c9\ub300\ud55c \uc774\uc790 \uc218\uc775\uc744 \uc548\uaca8\uc8fc\ub294 \ubc18\uba74, <strong>\ub300\ucd9c<\/strong>\uc744 \ubc1b\uc740 \uc77c\ubc18 \uac00\uacc4\uc5d0\uac8c\ub294 \uc774\uc790 \ubd80\ub2f4\uc774 \ub208\ub369\uc774\ucc98\ub7fc \ubd88\uc5b4\ub098\ub294 \uacb0\uacfc\ub97c \ucd08\ub798\ud569\ub2c8\ub2e4. \ud2b9\ud788 \ub18d\ud611\uc758 \uacbd\uc6b0 <strong>\uc608\ub300\uae08\ub9ac\ucc28<\/strong>\uac00 1.66%\ud3ec\uc778\ud2b8\uae4c\uc9c0 \ubc8c\uc5b4\uc838 1.5%\ud3ec\uc778\ud2b8 \uc120\uc744 \ub118\uc5b4\uc130\ub2e4\ub294 \uc810\uc740, \uc740\ud589\uad8c\uc758 \uc218\uc775\uc131 \uadf9\ub300\ud654\uc640 \uac00\uacc4 \uc774\uc790 \ubd80\ub2f4 \uc2ec\ud654\ub77c\ub294 \uc591\uadf9\ub2e8\uc758 \ud604\uc2e4\uc744 \uba85\ud655\ud788 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4. <strong>\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c<\/strong> \uae08\ub9ac \uc0c1\uc2b9\uc758 \uace0\ud1b5\uc740 \uace0\uc2a4\ub780\ud788 \ucd5c\uc885 \ub300\ucd9c\uc790\uc5d0\uac8c \uc804\uac00\ub418\uace0 \uc788\ub294 \uc148\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_%EA%B8%88%EB%A6%AC_%EC%83%81%EC%8A%B9%EA%B8%B0_%EC%8B%A4%EC%88%98%EC%9A%94%EC%9E%90%EB%A5%BC_%EC%9C%84%ED%95%9C_%ED%98%84%EB%AA%85%ED%95%9C_%EA%B8%88%EC%9C%B5_%ED%8F%AC%ED%8A%B8%ED%8F%B4%EB%A6%AC%EC%98%A4_%EC%A0%84%EB%9E%B5\"><\/span>4.  \uae08\ub9ac \uc0c1\uc2b9\uae30, \uc2e4\uc218\uc694\uc790\ub97c \uc704\ud55c \ud604\uba85\ud55c \uae08\uc735 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc804\ub7b5<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"41_%EB%85%BC%ED%8F%89_%EA%B8%88%EC%9C%B5_%EC%95%88%EC%A0%95%EC%84%B1%EA%B3%BC_%EA%B0%80%EA%B3%84_%EB%B6%80%EC%B1%84%EC%9D%98_%EA%B7%A0%ED%98%95%EC%A0%90\"><\/span>4.1. \ub17c\ud3c9: \uae08\uc735 \uc548\uc815\uc131\uacfc \uac00\uacc4 \ubd80\ucc44\uc758 \uade0\ud615\uc810<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\ucd5c\uadfc\uc758 <strong>\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c<\/strong> <strong>\uae08\ub9ac \uc0c1\uc2b9<\/strong>\uc740 \ub2e8\uc21c\ud788 \uc2dc\uc7a5 \uc6d0\ub9ac\uc5d0 \uc758\ud55c \uac83\uc774\ub77c\uae30\ubcf4\ub2e4\ub294, <strong>\uc815\ubd80 \uaddc\uc81c<\/strong>\uc640 \uc740\ud589\uad8c\uc758 \uc120\uc81c\uc801\uc778 <strong>\ub9ac\uc2a4\ud06c \uad00\ub9ac<\/strong>\uac00 \uacb0\ud569\ub41c \uacb0\uacfc\ub85c \ud574\uc11d\ud574\uc57c \ud569\ub2c8\ub2e4. \ud2b9\ud788 <strong>5\ub300 \uc740\ud589<\/strong> <strong>\uc8fc\ub2f4\ub300 \ud3c9\uade0 \uae08\ub9ac<\/strong>\uac00 4%\ub300\ub85c \uc77c\uc81c\ud788 \uc62c\ub77c\uc120 \uac83\uc740, <strong>\uac00\uacc4 \ub300\ucd9c<\/strong> \uc99d\uac00 \uc5b5\uc81c\ub77c\ub294 \uae08\uc735 \ub2f9\uad6d\uc758 \uac15\ub825\ud55c \uba54\uc2dc\uc9c0\uc5d0 \uc740\ud589\ub4e4\uc774 \uc801\uadf9\uc801\uc73c\ub85c \ub3d9\ucc38\ud558\uace0 \uc788\ub2e4\ub294 \ubc29\uc99d\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud558\uc9c0\ub9cc \uc774 \uacfc\uc815\uc5d0\uc11c \ubc1c\uc0dd\ud558\ub294 \uc5ed\ub300 \ucd5c\ub300 \uc218\uc900\uc758 <strong>\uc608\ub300\uae08\ub9ac\ucc28<\/strong>\ub294 \uae08\uc735\uc758 \uc0ac\ud68c\uc801 \ucc45\uc784 \uce21\uba74\uc5d0\uc11c \ube44\ud310\uc758 \uc5ec\uc9c0\uac00 \uc788\uc2b5\ub2c8\ub2e4. <strong>\ud55c\uad6d\uc740\ud589<\/strong>\uc758 \uae08\ub9ac \uc778\ud558 \uae30\ub300\uac10\uc73c\ub85c <strong>\uc608\uae08 \uae08\ub9ac<\/strong>\ub294 \ub0ae\uac8c \uc720\uc9c0\ud558\uba74\uc11c, <strong>\ub300\ucd9c \uae08\ub9ac<\/strong>\ub294 \uc815\ubd80 \uaddc\uc81c\ub97c \ube4c\ubbf8\ub85c \ub192\uac8c \ucc45\uc815\ud558\uc5ec \uc740\ud589\uc758 \uc774\uc790 \uc218\uc775\ub9cc \uadf9\ub300\ud654\ud558\ub294 \uac83\uc740 <strong>\uae08\uc735 \ubd88\uade0\ud615<\/strong>\uc744 \uc2ec\ud654\uc2dc\ud0ac \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e8\uae30\uc801\uc73c\ub85c\ub294 \uae08\uc735 \uc548\uc815\uc5d0 \uae30\uc5ec\ud560 \uc218 \uc788\uc73c\ub098, \uc7a5\uae30\uc801\uc73c\ub85c\ub294 <strong>\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c<\/strong> \uc774\uc790 \ubd80\ub2f4\uc73c\ub85c \uc778\ud55c \uc11c\ubbfc \uacbd\uc81c\uc758 \uc5b4\ub824\uc6c0\uc744 \uac00\uc911\uc2dc\ucf1c \ub0b4\uc218 \uce68\uccb4\uc758 \uc694\uc778\uc774 \ub420 \uc218 \uc788\ub2e4\ub294 \uc810\uc744 \uac04\uacfc\ud574\uc11c\ub294 \uc548 \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"42_%EC%84%A0%EB%B3%84_%EA%B2%8C%EC%9E%AC_%EB%B0%8F_%EB%B6%80%EA%B0%80%EA%B0%80%EC%B9%98_%EB%8C%80%EC%B6%9C%EC%9E%90%EB%A5%BC_%EC%9C%84%ED%95%9C_3%EA%B0%80%EC%A7%80_%ED%96%89%EB%8F%99_%EC%A7%80%EC%B9%A8\"><\/span>4.2. \uc120\ubcc4 \uac8c\uc7ac \ubc0f \ubd80\uac00\uac00\uce58: \ub300\ucd9c\uc790\ub97c \uc704\ud55c 3\uac00\uc9c0 \ud589\ub3d9 \uc9c0\uce68<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c<\/strong> \uae08\ub9ac\uac00 \ubcc0\ub3d9\uc131\uc774 \ucee4\uc9c4 \uc2dc\uae30\uc5d0 <strong>\uc2e4\uc218\uc694\uc790<\/strong>\uac00 \ucde8\ud574\uc57c \ud560 \uc804\ub7b5\uc740 \uba85\ud655\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>\ubcc0\ub3d9 \uae08\ub9ac vs. \uace0\uc815 \uae08\ub9ac \uc7ac\uc810\uac80:<\/strong> \ud604\uc7ac\uc758 <strong>4%\ub300 \uae08\ub9ac<\/strong>\uac00 \ubd80\ub2f4\uc2a4\ub7fd\ub354\ub77c\ub3c4, \ud5a5\ud6c4 <strong>\ud55c\uad6d\uc740\ud589<\/strong>\uc758 <strong>\uae08\ub9ac \uc778\ud558<\/strong> \uac00\ub2a5\uc131\uc774 \ub0a8\uc544\uc788\ub2e4\ub294 \uc810\uc744 \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4. \ub9cc\uc57d \ub2e8\uae30\uc801\uc73c\ub85c <strong>\uae08\ub9ac<\/strong>\uac00 \ub354 \uc624\ub97c \uc704\ud5d8\uc774 \ud06c\ub2e4\uba74 \uace0\uc815 \uae08\ub9ac\uac00 \uc720\ub9ac\ud558\uc9c0\ub9cc, \uc7a5\uae30\uc801\uc778 \uad00\uc810\uc5d0\uc11c <strong>\uae08\ub9ac \uc778\ud558<\/strong>\uac00 \uc608\uc0c1\ub41c\ub2e4\uba74 \ubcc0\ub3d9 \uae08\ub9ac\uac00 \uc720\ub9ac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <strong>\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c<\/strong> \uc870\uac74\uacfc \uc0c1\ud658 \uacc4\ud68d\uc5d0 \ub9de\ucdb0 \uc804\ubb38\uac00\uc640 \uc0c1\ub2f4 \ud6c4 \uae08\ub9ac \ud615\ud0dc\ub97c \uc7ac\uc870\uc815\ud558\ub294 \uac83\uc774 \ud544\uc218\uc785\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\uae08\ub9ac \uc6b0\ub300 \uc870\uac74 \ucd5c\ub300\ud55c \ud65c\uc6a9:<\/strong> \uac01 \uc740\ud589\uc758 <strong>\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c<\/strong> \uc0c1\ud488\ubcc4\ub85c \uc81c\uacf5\ud558\ub294 \uc6b0\ub300 \uae08\ub9ac(\uae09\uc5ec \uc774\uccb4, \uc790\ub3d9\uc774\uccb4, \uc2e0\uc6a9\uce74\ub4dc \uc0ac\uc6a9 \ub4f1)\ub97c \ucd5c\ub300\ud55c \ud65c\uc6a9\ud558\uc5ec \uc2e4\uc81c \uc801\uc6a9 <strong>\uae08\ub9ac<\/strong>\ub97c \ub0ae\ucdb0\uc57c \ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>DSR(\ucd1d\ubd80\ucc44\uc6d0\ub9ac\uae08\uc0c1\ud658\ube44\uc728) \uad00\ub9ac:<\/strong> \uc815\ubd80 \uaddc\uc81c\uac00 <strong>\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c<\/strong>\uc744 \ub118\uc5b4 \ub2e4\ub978 <strong>\ub300\ucd9c<\/strong>\ub85c \ud655\uc0b0\ub420 \uac00\ub2a5\uc131\uc774 \ub192\uc73c\ubbc0\ub85c, \ubbf8\ub9ac <strong>DSR<\/strong>\uc744 \uace0\ub824\ud558\uc5ec \ubd88\ud544\uc694\ud55c \uc2e0\uc6a9 <strong>\ub300\ucd9c<\/strong>\uc744 \uc904\uc774\uace0 \ucc44\ubb34 \uad6c\uc870\ub97c \ub2e8\uc21c\ud654\ud558\ub294 <strong>\uac00\uacc4 \ub300\ucd9c<\/strong> \uad00\ub9ac \uc804\ub7b5\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_%EA%B8%88%EC%9C%B5_%EB%B3%80%EB%8F%99%EC%84%B1_%EC%8B%9C%EB%8C%80_%EB%8C%80%EC%B6%9C%EC%9E%90%EC%97%90%EA%B2%8C_%ED%95%84%EC%9A%94%ED%95%9C_%EA%B2%83%EC%9D%80\"><\/span>5.  \uae08\uc735 \ubcc0\ub3d9\uc131 \uc2dc\ub300, \ub300\ucd9c\uc790\uc5d0\uac8c \ud544\uc694\ud55c \uac83\uc740?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>5\ub300 \uc740\ud589<\/strong>\uc758 <strong>\uc8fc\ub2f4\ub300 \ud3c9\uade0 \uae08\ub9ac 4%\ub300 \uc0c1\ub959<\/strong>\uc740 <strong>\uac00\uacc4 \ub300\ucd9c<\/strong> \uad00\ub9ac\uc5d0 \uc788\uc5b4 \uc911\uc694\ud55c \uc804\ud658\uc810\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4. <strong>\uae08\ub9ac \uc0c1\uc2b9<\/strong>\uc758 \ubc30\uacbd\uc5d0\ub294 \ubcf5\ud569\uc801\uc778 \uc694\uc778\uc774 \uc791\uc6a9\ud558\uace0 \uc788\uc9c0\ub9cc, \uacb0\uad6d \uc774\uc790 \ubd80\ub2f4\uc758 \ubb34\uac8c\ub294 <strong>\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c<\/strong>\uc744 \uc774\uc6a9\ud558\ub294 \uac1c\uc778\uc758 \ubaab\uc774 \ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uc815\ubd80 \uaddc\uc81c<\/strong>\uc758 \uac15\ud654\uc640 \uc740\ud589\uc758 <strong>\ub9ac\uc2a4\ud06c \uad00\ub9ac<\/strong> \uae30\uc870 \uc18d\uc5d0\uc11c, \uc774\uc81c \ub300\ucd9c\uc790\ub4e4\uc740 \ub9f9\ubaa9\uc801\uc778 <strong>\ub300\ucd9c<\/strong> \ub300\uc2e0 \ub0c9\ucca0\ud55c <strong>\uae08\uc735 \ud3ec\ud2b8\ud3f4\ub9ac\uc624<\/strong> \ubd84\uc11d\uc744 \ud1b5\ud574 \uc790\uc2e0\uc758 \uc7ac\ubb34 \uc0c1\ud0dc\ub97c \uc810\uac80\ud574\uc57c \ud569\ub2c8\ub2e4. <strong>\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c<\/strong>\uc740 \uc7a5\uae30\uc801\uc778 \uc7ac\ubb34 \uacc4\ud68d\uc758 \ud575\uc2ec\uc774\ubbc0\ub85c, <strong>\uc608\ub300\uae08\ub9ac\ucc28<\/strong> \ud655\ub300\uc640 \uac19\uc740 \uc2dc\uc7a5\uc758 \uc5ed\uc124\uc801\uc778 \ud604\uc0c1\uc744 \uc774\ud574\ud558\uace0 <strong>\ud604\uba85\ud55c \ub300\uc751 \uc804\ub7b5<\/strong>\uc744 \uc218\ub9bd\ud558\ub294 \uac83\uc774\uc57c\ub9d0\ub85c <strong>\uae08\uc735 \ubcc0\ub3d9\uc131<\/strong> \uc2dc\ub300\ub97c \ud5e4\uccd0\ub098\uac08 \uac00\uc7a5 \uac15\ub825\ud55c \ubb34\uae30\uac00 \ub420 \uac83\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%EA%B4%80%EB%A0%A8_%ED%82%A4%EC%9B%8C%EB%93%9C_%EB%B0%8F_%ED%95%B4%EC%8B%9C%ED%83%9C%EA%B7%B8_%EC%A0%95%EB%A6%AC\"><\/span>\uad00\ub828 \ud0a4\uc6cc\ub4dc \ubc0f \ud574\uc2dc\ud0dc\uadf8 \uc815\ub9ac<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c<\/strong>, <strong>5\ub300 \uc740\ud589<\/strong>, <strong>\uae08\ub9ac \uc0c1\uc2b9<\/strong>, <strong>4%\ub300 \uae08\ub9ac<\/strong>, <strong>\uc815\ubd80 \uaddc\uc81c<\/strong>, <strong>\uac00\uacc4 \ub300\ucd9c<\/strong>, <strong>\uc608\ub300\uae08\ub9ac\ucc28<\/strong>, <strong>LTV<\/strong>, <strong>\uace0\uc2e0\uc6a9\uc790<\/strong>, <strong>\ud55c\uad6d\uc740\ud589<\/strong>, <strong>\uc8fc\ub2f4\ub300 \ud3c9\uade0 \uae08\ub9ac<\/strong>, <strong>\ub9ac\uc2a4\ud06c \uad00\ub9ac<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">#\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c, #5\ub300\uc740\ud589, #\uae08\ub9ac\uc0c1\uc2b9, #4%\ub300\uae08\ub9ac, #\uc815\ubd80\uaddc\uc81c, #\uac00\uacc4\ub300\ucd9c, #\uc608\ub300\uae08\ub9ac\ucc28, #LTV, #\uace0\uc2e0\uc6a9\uc790, #\ud55c\uad6d\uc740\ud589, #\uc8fc\ub2f4\ub300\ud3c9\uade0\uae08\ub9ac, #\ub9ac\uc2a4\ud06c\uad00\ub9ac<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ubaa9\ucc28 1. \ud504\ub864\ub85c\uadf8: \uae08\ub9ac \uc5ed\uc8fc\ud589, \uae08\uc735 \uc2dc\uc7a5\uc758 \uc0c8\ub85c\uc6b4 \ubcc0\uc218 \ucd5c\uadfc \uad6d\ub0b4 \uae08\uc735 \uc2dc\uc7a5\uc5d0 \uc2ec\uc0c1\uce58 \uc54a\uc740 \uae30\ub958\uac00 \uac10\uc9c0\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n","protected":false},"author":1,"featured_media":1149,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[262,254,258,260,257,261,256,253,259,252,255],"class_list":["post-1147","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-262","tag-254","tag-ltv","tag-260","tag-257","tag-261","tag-256","tag-253","tag-259","tag-252","tag-255"],"featured_image_urls":{"full":["https:\/\/i0.wp.com\/wallstreet-journal-news.com\/wp-content\/uploads\/2025\/10\/unnamed-1.jpg?fit=1024%2C1024&ssl=1",1024,1024,false],"thumbnail":["https:\/\/i0.wp.com\/wallstreet-journal-news.com\/wp-content\/uploads\/2025\/10\/unnamed-1.jpg?resize=150%2C150&ssl=1",150,150,true],"medium":["https:\/\/i0.wp.com\/wallstreet-journal-news.com\/wp-content\/uploads\/2025\/10\/unnamed-1.jpg?fit=300%2C300&ssl=1",300,300,true],"medium_large":["https:\/\/i0.wp.com\/wallstreet-journal-news.com\/wp-content\/uploads\/2025\/10\/unnamed-1.jpg?fit=640%2C640&ssl=1",640,640,true],"large":["https:\/\/i0.wp.com\/wallstreet-journal-news.com\/wp-content\/uploads\/2025\/10\/unnamed-1.jpg?fit=640%2C640&ssl=1",640,640,true],"1536x1536":["https:\/\/i0.wp.com\/wallstreet-journal-news.com\/wp-content\/uploads\/2025\/10\/unnamed-1.jpg?fit=1024%2C1024&ssl=1",1024,1024,true],"2048x2048":["https:\/\/i0.wp.com\/wallstreet-journal-news.com\/wp-content\/uploads\/2025\/10\/unnamed-1.jpg?fit=1024%2C1024&ssl=1",1024,1024,true],"morenews-featured":["https:\/\/i0.wp.com\/wallstreet-journal-news.com\/wp-content\/uploads\/2025\/10\/unnamed-1.jpg?fit=1024%2C1024&ssl=1",1024,1024,true],"morenews-large":["https:\/\/i0.wp.com\/wallstreet-journal-news.com\/wp-content\/uploads\/2025\/10\/unnamed-1.jpg?resize=825%2C575&ssl=1",825,575,true],"morenews-medium":["https:\/\/i0.wp.com\/wallstreet-journal-news.com\/wp-content\/uploads\/2025\/10\/unnamed-1.jpg?resize=590%2C410&ssl=1",590,410,true]},"author_info":{"info":["All Finance Infomation"]},"category_info":"<a href=\"https:\/\/wallstreet-journal-news.com\/?cat=3\" rel=\"category\">finance<\/a>","tag_info":"finance","comment_count":"0","_links":{"self":[{"href":"https:\/\/wallstreet-journal-news.com\/index.php?rest_route=\/wp\/v2\/posts\/1147","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wallstreet-journal-news.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wallstreet-journal-news.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wallstreet-journal-news.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/wallstreet-journal-news.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1147"}],"version-history":[{"count":1,"href":"https:\/\/wallstreet-journal-news.com\/index.php?rest_route=\/wp\/v2\/posts\/1147\/revisions"}],"predecessor-version":[{"id":1150,"href":"https:\/\/wallstreet-journal-news.com\/index.php?rest_route=\/wp\/v2\/posts\/1147\/revisions\/1150"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/wallstreet-journal-news.com\/index.php?rest_route=\/wp\/v2\/media\/1149"}],"wp:attachment":[{"href":"https:\/\/wallstreet-journal-news.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1147"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wallstreet-journal-news.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1147"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wallstreet-journal-news.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1147"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}