{"id":224,"date":"2026-03-18T15:04:57","date_gmt":"2026-03-18T06:04:57","guid":{"rendered":"https:\/\/monkeybear.kr\/?p=224"},"modified":"2026-03-18T15:04:57","modified_gmt":"2026-03-18T06:04:57","slug":"%ec%84%9c%ec%9a%b8-%ec%95%84%ed%8c%8c%ed%8a%b8-%ec%a0%84%ec%84%b8%ea%b0%80-%ec%99%9c-%eb%98%90-%ec%98%a4%eb%a5%b4%eb%82%98-3%ec%9b%94-%ed%98%84%ec%9e%ac-%eb%82%b4-%ec%83%9d%ea%b0%81","status":"publish","type":"post","link":"https:\/\/monkeybear.kr\/?p=224","title":{"rendered":"\uc11c\uc6b8 \uc544\ud30c\ud2b8 \uc804\uc138\uac00 \uc65c \ub610 \uc624\ub974\ub098 \u2014 3\uc6d4 \ud604\uc7ac \ub0b4 \uc0dd\uac01"},"content":{"rendered":"<article>\n<p>\uc800\ub3c4 \uc9c0\uae08 \uc804\uc138 \uc0ac\ub294\ub370, \uacc4\uc57d \uac31\uc2e0 \ub54c\ub9c8\ub2e4 \uc2a4\ud2b8\ub808\uc2a4\uc608\uc694. \uc9c0\ub09c\ubc88 \uac31\uc2e0 \ub54c \uc9d1\uc8fc\uc778\uc774 \uc804\uc138\uae08 5,000\ub9cc\uc6d0 \uc62c\ub824\ub2ec\ub77c\uace0 \ud588\uac70\ub4e0\uc694. &#8220;\ubc95\uc774 \uc788\uc5b4\uc11c 5% \uc774\uc0c1\uc740 \ubabb \uc62c\ub824\uc694&#8221;\ub77c\uace0 \ud588\ub354\ub2c8 &#8220;\uadf8\ub7fc \ub098\uac00\uc138\uc694&#8221;\ub77c\ub294 \ubc18\uc751\uc774\uc5c8\uace0\uc694. \uacb0\uad6d \ud611\uc758\ud574\uc11c 2,500\ub9cc\uc6d0 \uc62c\ub838\ub294\ub370, \uadf8 \uacfc\uc815\uc774 \uc9c4\uc9dc \uc9c4\uc774 \ube60\uc84c\uc5b4\uc694. \uc9d1 \uad6c\ud558\ub294 \uac83\ubcf4\ub2e4 \uacc4\uc57d \uac31\uc2e0\uc774 \ub354 \ud798\ub4e4 \ub54c\uac00 \uc788\ub354\ub77c\uace0\uc694.<\/p>\n<p>\uadf8\ub9ac\uace0 3\uc6d4 2\uc8fc \uae30\uc900 \ud55c\uad6d\ubd80\ub3d9\uc0b0\uc6d0 \ub370\uc774\ud130 \ubcf4\uba74, \uc804\uad6d \uc544\ud30c\ud2b8 \uc804\uc138\uac00\uaca9\uc774 +0.09% \uc0c1\uc2b9\uc774\uc5d0\uc694. \ub9e4\ub9e4\uac00\ub294 +0.04%\uc778\ub370 \uc804\uc138\uac00\uac00 \ub354 \ub9ce\uc774 \uc62c\ub790\uc5b4\uc694. \uc11c\uc6b8\uc740 \uc804\uc138\uac00 \uc0c1\uc2b9\uc138\uac00 \ub354 \ub69c\ub837\ud558\uace0, \uac15\ub0a8 \ucabd\uc740 \ub9e4\ub9e4\uac00\uac00 \ud558\ub77d\uc138\uc778\ub370\ub3c4 \uc804\uc138\ub294 \uc624\ub974\ub294 \ud2b9\uc774\ud55c \ud604\uc0c1\uc774 \ub098\ud0c0\ub098\uace0 \uc788\uc5b4\uc694. \uc774\uac8c \uc65c \uc774\ub7ec\ub294 \uac74\uc9c0, \uc9c0\uae08 \uc804\uc138 \uc0b4\uace0 \uc788\uac70\ub098 \ubb34\uc8fc\ud0dd\uc790\uc778 \ubd84\ub4e4\ud55c\ud14c \uc81c \uc0dd\uac01\uc744 \uc880 \ub098\ub220\ubcfc\uac8c\uc694.<\/p>\n<h2>3\uc6d4 \uc804\uc138 \uc2dc\ud669<\/h2>\n<p>\uc22b\uc790\ubd80\ud130 \ubcf4\uba74\uc694. 3\uc6d4 2\uc8fc \uae30\uc900\uc73c\ub85c \uc804\uad6d \uc544\ud30c\ud2b8 \ub9e4\ub9e4\uac00\ub294 +0.04%, \uc804\uc138\uac00\ub294 +0.09% \uc62c\ub790\uc5b4\uc694. \uc804\uc138 \uc0c1\uc2b9\ud3ed\uc774 \ub9e4\ub9e4\uc758 \ub450 \ubc30 \uc774\uc0c1\uc774\uc5d0\uc694. \uc11c\uc6b8\ub9cc \ubcf4\uba74 \ub9e4\ub9e4\ub294 \ud63c\uc870\uc138\uc778\ub370 \uc804\uc138\ub294 \uc0c1\uc2b9\uc138\uac00 \ub354 \uac15\ud574\uc694. \ud2b9\ud788 \uac15\ub0a8\uad6c\ub294 \ub9e4\ub9e4\uac00\uac00 \uc18c\ud3ed \ud558\ub77d\uc744 \uc720\uc9c0\ud558\ub294 \ubc18\uba74 \uc804\uc138\uac00\ub294 \uc624\ub974\uace0 \uc788\uc5b4\uc11c, \uc804\uc138\uac00\uc728(\ub9e4\ub9e4\uac00 \ub300\ube44 \uc804\uc138\uac00 \ube44\uc728)\uc774 \uc62c\ub77c\uac00\uace0 \uc788\ub294 \uc0c1\ud669\uc774\uc5d0\uc694.<\/p>\n<p>\uc9c0\uc5ed\ubcc4\ub85c \ubcf4\uba74 \uc131\ub3d9\uad6c\ub098 \ub9c8\ud3ec\uad6c \ucabd \uc2e0\ucd95 \uc544\ud30c\ud2b8 \uc804\uc138\uac00 \uc0c1\uc2b9\uc774 \ub208\uc5d0 \ub744\uc5c8\uace0, \ub178\uc6d0\uad6c\ub098 \ub3c4\ubd09\uad6c \uac19\uc740 \uc678\uacfd \uc9c0\uc5ed\uc740 \uc0c1\ub300\uc801\uc73c\ub85c \ub35c \uc624\ub974\ub294 \ubd84\uc704\uae30\uc608\uc694. \uc11c\uc6b8 \uc548\uc5d0\uc11c\ub3c4 \uc778\ud504\ub77c\ub098 \ud559\uad70\uc5d0 \ub530\ub77c \uc804\uc138\uac00 \uc6c0\uc9c1\uc784\uc774 \uaf64 \ub2ec\ub77c\uc694.<\/p>\n<p>\uacbd\uae30\ub3c4\ub294 \uc9c0\uc5ed\ub9c8\ub2e4 \ub2e4\ub978\ub370, \ud310\uad50\u00b7\ubd84\ub2f9\u00b7\uad11\uad50 \uac19\uc740 \ud575\uc2ec \uc2e0\ub3c4\uc2dc\ub294 \uc804\uc138\uac00\uac00 \uc5ec\uc804\ud788 \uac15\ud558\uace0, \uc778\ucc9c\uc774\ub098 \uacbd\uae30 \uc678\uacfd\uc740 \uc544\uc9c1 \ud68c\ubcf5\uc774 \ub354\ub38c\uc694. \uc804\ubc18\uc801\uc73c\ub85c &#8220;\uc218\ub3c4\uad8c \ud575\uc2ec \uc9c0\uc5ed \uc804\uc138\uac00 \uc624\ub978\ub2e4&#8221;\ub294 \ud750\ub984\uc774\uc5d0\uc694.<\/p>\n<h2>\uc65c \uc804\uc138\uac00\ub9cc \uc624\ub974\ub098<\/h2>\n<p>\uc774\uac8c \uc81c \uc0dd\uac01\uc5d0 \ud575\uc2ec\uc801\uc778 \uc9c8\ubb38\uc778 \uac83 \uac19\uc544\uc694. \ub9e4\ub9e4\uac00\ub294 \uadf8\ub0e5\uc800\ub0e5\uc778\ub370 \uc65c \uc804\uc138\ub9cc \uc62c\ub77c\uc694?<\/p>\n<p>\uc81c\uc77c \ud070 \uc774\uc720\uac00 \uc2e0\uaddc \uc785\uc8fc \ubb3c\ub7c9\uc774\uc5d0\uc694. 2022~2023\ub144\uc5d0 \uae08\ub9ac\uac00 \uae09\ub4f1\ud558\uba74\uc11c \uc2e0\uaddc \ubd84\uc591\uc774 \ub9ce\uc774 \uc904\uc5c8\uac70\ub4e0\uc694. \uadf8\ub54c \ucc29\uacf5\ud588\uc5b4\uc57c \ud560 \uc544\ud30c\ud2b8\ub4e4\uc774 \ucde8\uc18c\ub418\uac70\ub098 \uc9c0\uc5f0\ub410\uace0, \uadf8 \uacb0\uacfc\uac00 2025~2026\ub144\uc5d0 \uc785\uc8fc \ubb3c\ub7c9 \uac10\uc18c\ub85c \ub098\ud0c0\ub098\uace0 \uc788\uc5b4\uc694. \uc11c\uc6b8\uc740 \ud2b9\ud788 \uc2e0\uaddc \uacf5\uae09\uc774 \ud131\uc5c6\uc774 \ubd80\uc871\ud574\uc694. \uacf5\uae09\uc774 \uc5c6\uc73c\ub2c8 \uc804\uc138 \uad6c\ud558\ub294 \uc0ac\ub78c\ub4e4\uc774 \uacbd\uc7c1\ud558\uace0, \uc790\uc5f0\uc2a4\ub7fd\uac8c \uac00\uaca9\uc774 \uc62c\ub77c\uac00\ub294 \uac70\uc8e0.<\/p>\n<p>\ub450 \ubc88\uc9f8\ub294 \uc5ed\uc804\uc138 \ud574\uc18c\uc608\uc694. 2023\ub144\uc5d0 \uc804\uc138\uac00\uac00 \ub9ce\uc774 \ube60\uc9c0\uba74\uc11c \uc5ed\uc804\uc138(\uc804\uc138\uac00\uac00 \ub9e4\ub9e4\uac00\ubcf4\ub2e4 \ub192\uc544\uc9c0\ub294 \ud604\uc0c1) \uc6b0\ub824\uac00 \ucef8\ub294\ub370, \uadf8\uac8c \uc11c\uc11c\ud788 \ud574\uc18c\ub418\uba74\uc11c \uc804\uc138 \uc2dc\uc7a5\uc774 \uc815\uc0c1\ud654\ub418\uace0 \uc788\uc5b4\uc694. \uc9d1\uc8fc\uc778\ub4e4\uc774 &#8220;\uc774\uc81c \ub354 \ubabb \ubc1b\uaca0\ub2e4&#8221;\uac00 \uc544\ub2c8\ub77c &#8220;\uc774 \uc815\ub3c4\ub294 \ubc1b\uc744 \uc218 \uc788\uaca0\ub2e4&#8221;\ub85c \uc2ec\ub9ac\uac00 \ubc14\ub010 \uac70\uc8e0.<\/p>\n<p>\uc138 \ubc88\uc9f8\ub294 \uae08\ub9ac \uc601\ud5a5\uc774\uc5d0\uc694. \uace0\uae08\ub9ac\uac00 \uc9c0\uc18d\ub418\uba74\uc11c \uc9d1\uc744 \uc0ac\ub824\ub294 \uc0ac\ub78c\ub4e4\uc774 &#8220;\uc870\uae08\ub9cc \ub354 \uae30\ub2e4\ub824\ubcf4\uc790&#8221;\ub97c \uacc4\uc18d\ud558\uace0 \uc788\uc5b4\uc694. \ub9e4\ub9e4 \uc218\uc694\uac00 \uc804\uc138 \uc218\uc694\ub85c \uc804\ud658\ub41c \uac70\uc608\uc694. \uc9d1 \uc0ac\uace0 \uc2f6\uc740\ub370 \uae08\ub9ac\uac00 \ubd80\ub2f4\uc774\ub77c \uc804\uc138\ub85c \ub354 \uc0b4\ub2e4 \ubcf4\ub2c8, \uc804\uc138 \uc218\uc694\uac00 \ub298\uc5b4\ub098\ub294 \uad6c\uc870\uc608\uc694. \ubbf8\uad6d \uae08\ub9ac \uc778\ud558\uac00 \uacc4\uc18d \uc9c0\uc5f0\ub418\ub294 \uac8c \uc774 \ud750\ub984\uc744 \ub354 \uac15\ud654\ud558\uace0 \uc788\uc5b4\uc694.<\/p>\n<h2>\ubb34\uc8fc\ud0dd\uc790 \uc5b4\ub5bb\uac8c \ud574\uc57c \ud558\ub098<\/h2>\n<p>\uc774\uac74 \uc9c4\uc9dc \uc5b4\ub824\uc6b4 \uc9c8\ubb38\uc778\ub370, \uc800 \uc2a4\uc2a4\ub85c\ub3c4 \ub9e4\ubc88 \uace0\ubbfc\ud558\ub294 \ubd80\ubd84\uc774\uc5d0\uc694. \uacc4\uc18d \uc804\uc138 \uc0b4\ub2e4 \ubcf4\uba74 \uc804\uc138\uac00 \uacc4\uc18d \uc624\ub974\uace0, \uadf8\ub807\ub2e4\uace0 \uc9c0\uae08 \uc9d1 \uc0ac\uc790\ub2c8 \ub9e4\ub9e4\uac00\ub3c4 \uc2f8\ub2e4\ub294 \ub290\ub08c\uc774 \uc544\ub2c8\uace0\uc694.<\/p>\n<p>\uc81c \uc0dd\uac01\uc5d4 \uc9c0\uae08 \uac19\uc740 \uc0c1\ud669\uc5d0\uc11c \ubb34\uc8fc\ud0dd\uc790\uac00 \ud560 \uc218 \uc788\ub294 \ud604\uc2e4\uc801\uc778 \uc120\ud0dd\uc9c0\uac00 \uba87 \uac00\uc9c0\uc608\uc694.<\/p>\n<p>\uccab\uc9f8, \uccad\uc57d\uc744 \ud3ec\uae30\ud558\uc9c0 \ub9d0 \uac83. \uc11c\uc6b8 \uc2e0\ucd95 \uc544\ud30c\ud2b8\ub294 \uccad\uc57d \ub2f9\ucca8\uc774 \uc5ec\uc804\ud788 \ucd5c\uace0\uc758 \uc218\uc775 \ub8e8\ud2b8\uc608\uc694. \ub2f9\ucca8 \uac00\ub2a5\uc131\uc774 \ub0ae\uc544\ub3c4 \uacc4\uc18d \uc2e0\uccad\ud558\ub294 \uac8c \ub9de\uc544\uc694. \ud2b9\ud788 \uc11c\uc6b8 \uc678\uacfd\uc774\ub098 \uacbd\uae30\ub3c4 \ud575\uc2ec \uc9c0\uc5ed \uccad\uc57d\uc740 \uacbd\uc7c1\uc774 \uc0c1\ub300\uc801\uc73c\ub85c \ub0ae\uc544\uc11c \uae30\ud68c\uac00 \uc788\uac70\ub4e0\uc694.<\/p>\n<p>\ub458\uc9f8, \uc804\uc138 \uacc4\uc57d \uc804\ub7b5\uc744 \uc9dc\uc57c \ud574\uc694. 2\ub144 \ud6c4\uc5d0 \uc5b4\ub514\uc11c \uc0b4 \uac74\uc9c0 \uadf8\ub9bc\uc744 \uadf8\ub9ac\uba74\uc11c \uc804\uc138\ub97c \uc120\ud0dd\ud574\uc57c \ud574\uc694. \uc804\uc138\uac00 \uc624\ub97c \uac83 \uac19\uc740 \uc9c0\uc5ed\uc5d0\uc11c \uacc4\uc18d \uc804\uc138 \uc5f0\uc7a5\ud558\uba74 \ub098\uc911\uc5d0 \ub354 \ud798\ub4e4\uc5b4\uc9c8 \uc218 \uc788\uc5b4\uc694. \ucc28\ub77c\ub9ac \uc870\uae08 \uc678\uacfd\uc774\ub354\ub77c\ub3c4 \uc0c1\uc2b9 \uc5ec\ub825\uc774 \uc801\uc740 \uc9c0\uc5ed\uc5d0\uc11c \uc804\uc138\ub97c \uc720\uc9c0\ud558\ub294 \uc804\ub7b5\ub3c4 \uc788\uc5b4\uc694.<\/p>\n<p>\uc14b\uc9f8, \ub9e4\ub9e4\ub97c \ud55c\ub2e4\uba74 \uae08\ub9ac \uc778\ud558 \ud0c0\uc774\ubc0d\ubcf4\ub2e4 \ub0b4 \uc7ac\uc815 \uc0c1\ud669\uc744 \uae30\uc900\uc73c\ub85c \ud310\ub2e8\ud558\ub294 \uac8c \ub9de\uc544\uc694. &#8220;\uae08\ub9ac \ub0b4\ub9ac\uba74 \uc0ac\uc57c\uc9c0&#8221;\ub77c\uace0 \uae30\ub2e4\ub9ac\ub2e4 \ubcf4\uba74 \uadf8\ub54c \ub9e4\ub9e4\uac00\ub3c4 \ub354 \uc62c\ub77c\uac00 \uc788\uc744 \uc218 \uc788\uac70\ub4e0\uc694. \ub0b4\uac00 \uac10\ub2f9\ud560 \uc218 \uc788\ub294 \ub300\ucd9c \uaddc\ubaa8\uc640 \uc6d0\ub9ac\uae08 \uc0c1\ud658 \ub2a5\ub825\uc744 \uba3c\uc800 \uacc4\uc0b0\ud558\uace0, \uadf8\uac8c \ub9de\ub294 \uac00\uaca9\ub300\uc758 \uc9d1\uc744 \ucc3e\ub294 \uac8c \ud604\uc2e4\uc801\uc774\uc5d0\uc694.<\/p>\n<p>\uc800\ub294 \uc9c0\uae08 \ub2f9\uc7a5 \uc9d1 \uc0b4 \uc0dd\uac01\uc740 \uc5c6\ub294\ub370, \ub2e4\uc74c \uc804\uc138 \uacc4\uc57d \ub9cc\ub8cc \ub54c \ub2e4\uc2dc \uace0\ubbfc\ud574\ubd10\uc57c \ud560 \uac83 \uac19\uc544\uc694. \uadf8\ub54c \uc2dc\ud669\uc774 \uc5b4\ub5bb\uac8c \ub420\uc9c0 \ubd10\uc57c\uaca0\uc8e0.<\/p>\n<p>\uc804\uc138 \uc0ac\uc2dc\ub294 \ubd84\ub4e4, \uc62c\ud574 \uc7ac\uacc4\uc57d \uc2dc\uc98c \uc5b4\ub5bb\uac8c \ub410\ub294\uc9c0 \uad81\uae08\ud558\ub124\uc694. \uc800\ub9cc \uc774\ub7f0 \uc2a4\ud2b8\ub808\uc2a4 \ubc1b\ub294 \uac74 \uc544\ub2c8\uc8e0? \u314e\u314e.<\/p>\n<\/article>\n","protected":false},"excerpt":{"rendered":"<p>\uc804\uad6d \uc804\uc138\uac00\uac00 3\uc6d4 2\uc8fc \uae30\uc900 +0.09% \uc62c\ub790\uc2b5\ub2c8\ub2e4. \uc800\ub3c4 \uc804\uc138 \uc0b4\uace0 \uc788\ub294\ub370, \uacc4\uc57d \uac31\uc2e0 \ub54c\ub9c8\ub2e4 \uc2a4\ud2b8\ub808\uc2a4\uc608\uc694. \uc65c \uc804\uc138\uac00\ub9cc \uc624\ub974\ub294\uc9c0 \uc81c \uc0dd\uac01 \ud480\uc5b4\ubd24\uc5b4\uc694.<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[291],"tags":[288,287,290,286,289],"class_list":["post-224","post","type-post","status-publish","format-standard","hentry","category-291","tag-288","tag-287","tag-290","tag-286","tag-289"],"_links":{"self":[{"href":"https:\/\/monkeybear.kr\/index.php?rest_route=\/wp\/v2\/posts\/224","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/monkeybear.kr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/monkeybear.kr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/monkeybear.kr\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/monkeybear.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=224"}],"version-history":[{"count":1,"href":"https:\/\/monkeybear.kr\/index.php?rest_route=\/wp\/v2\/posts\/224\/revisions"}],"predecessor-version":[{"id":227,"href":"https:\/\/monkeybear.kr\/index.php?rest_route=\/wp\/v2\/posts\/224\/revisions\/227"}],"wp:attachment":[{"href":"https:\/\/monkeybear.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=224"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/monkeybear.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=224"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/monkeybear.kr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=224"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}