{"id":1666,"date":"2026-04-13T10:00:12","date_gmt":"2026-04-13T01:00:12","guid":{"rendered":"https:\/\/core9news.co.kr\/?p=1666"},"modified":"2026-04-10T15:56:41","modified_gmt":"2026-04-10T06:56:41","slug":"%ea%b2%bd%ec%a0%9c-%ec%b9%bc%eb%9f%bc-%ea%b3%a0%eb%ac%bc%ea%b0%80-%ec%8b%9c%eb%8c%80%ec%9d%98-%ec%83%9d%ec%a1%b4-%ec%a0%84%eb%9e%b5-%ec%8b%a4%ec%a7%88-%ea%b8%88%eb%a6%ac%ec%99%80","status":"publish","type":"post","link":"https:\/\/core9news.co.kr\/?p=1666","title":{"rendered":"[\uacbd\uc81c \uce7c\ub7fc] \uace0\ubb3c\uac00 \uc2dc\ub300\uc758 \uc0dd\uc874 \uc804\ub7b5, \u2018\uc2e4\uc9c8 \uae08\ub9ac\u2019\uc640 \u2018\uc790\uc0b0 \ubc30\ubd84\u2019\uc758 \ud568\uc218\uad00\uacc4\ub97c \uc774\ud574\ud558\ub77c"},"content":{"rendered":"

\"\"<\/p>\n

\uae08\ub9ac \ub3d9\uacb0\uacfc \uc778\ud558 \uc0ac\uc774\uc758 \ubcc0\uace1\uc810, \uac1c\uc778 \ud22c\uc790\uc790\uac00 \uc8fc\ubaa9\ud574\uc57c \ud560 \uacbd\uc81c \uc9c0\ud45c\ub4e4<\/b><\/p>\n

\uae00\ub85c\ubc8c \uae08\uc735 \uc2dc\uc7a5\uc758 \ubd88\ud655\uc2e4\uc131\uc774 \uc9c0\uc18d\ub418\uba74\uc11c ‘\ub3c8\uc758 \uac00\uce58’\ub97c \uc9c0\ud0a4\uae30 \uc704\ud55c \uac1c\uc778\ub4e4\uc758 \uace0\ubbfc\uc774 \uae4a\uc5b4\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc911\uc559\uc740\ud589\uc758 \uae08\ub9ac \uc815\ucc45\uc774 \uac00\uacc4 \ubd80\ucc44\uc640 \ud22c\uc790 \uc218\uc775\ub960\uc5d0 \uc9c1\uacb0\ub418\ub294 \uc2dc\uae30\uc778 \ub9cc\ud07c, \ub2e8\uc21c\ud55c \uc608\uc801\uae08\uc744 \ub118\uc5b4 \uacbd\uc81c \ud750\ub984\uc744 \uc77d\ub294 \uc548\ubaa9\uc774 \uadf8 \uc5b4\ub290 \ub54c\ubcf4\ub2e4 \uc911\uc694\ud574\uc9c4 \uc2dc\uc810\uc785\ub2c8\ub2e4.<\/p>\n

\u25a0 \uba85\ubaa9 \uae08\ub9ac\uac00 \uc544\ub2cc \u2018\uc2e4\uc9c8 \uae08\ub9ac\u2019\uc5d0 \uc8fc\ubaa9\ud574\uc57c \ud558\ub294 \uc774\uc720<\/h3>\n

\ub9ce\uc740 \uc774\ub4e4\uc774 \uc740\ud589\uc5d0\uc11c \uc81c\uc2dc\ud558\ub294 \uc22b\uc790\uc778 ‘\uba85\ubaa9 \uae08\ub9ac’\uc5d0\ub9cc \uc9d1\uc911\ud569\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uacbd\uc81c\ud559\uc801\uc73c\ub85c \uc790\uc0b0\uc758 \uac00\uce58\ub97c \uacb0\uc815\ud558\ub294 \uc9c4\uc9dc \uc9c0\ud45c\ub294 \uc2e4\uc9c8 \uae08\ub9ac\uc785\ub2c8\ub2e4. \uc2e4\uc9c8 \uae08\ub9ac\ub294 \uba85\ubaa9 \uae08\ub9ac\uc5d0\uc11c \ubb3c\uac00 \uc0c1\uc2b9\ub960\uc744 \ube80 \uc218\uce58\ub97c \uc758\ubbf8\ud569\ub2c8\ub2e4.<\/p>\n

\uc608\ub97c \ub4e4\uc5b4 \uc740\ud589 \uc608\uae08 \uae08\ub9ac\uac00 4%\ub77c \ud560\uc9c0\ub77c\ub3c4 \ubb3c\uac00 \uc0c1\uc2b9\ub960\uc774 5%\ub77c\uba74, \uc2e4\uc9c8 \uae08\ub9ac\ub294 -1%\uac00 \ub429\ub2c8\ub2e4. \uc989, \ub3c8\uc744 \uc740\ud589\uc5d0 \uac00\ub9cc\ud788 \ub450\uae30\ub9cc \ud574\ub3c4 \uad6c\ub9e4\ub825 \uae30\uc900\uc73c\ub85c\ub294 \uc624\ud788\ub824 \uc190\ud574\ub97c \ubcf4\uace0 \uc788\ub294 \uc148\uc785\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc778\ud50c\ub808\uc774\uc158 \uc2dc\uae30\uc5d0\ub294 \ud654\ud3d0 \uac00\uce58 \ud558\ub77d\uc744 \ubc29\uc5b4\ud560 \uc218 \uc788\ub294 \uc2e4\ubb3c \uc790\uc0b0\uc774\ub098 \uc218\uc775\ub960\uc774 \ub192\uc740 \ud22c\uc790\ucc98\ub97c \uc120\ubcc4\ud558\ub294 \ud61c\uc548\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n

\u25a0 \ubcf5\ub9ac\uc758 \ub9c8\ubc95\uacfc \u201872\uc758 \ubc95\uce59\u2019<\/h3>\n

\uacbd\uc81c \uc9c0\uc2dd\uc758 \uae30\ucd08\uc774\uba74\uc11c\ub3c4 \uac00\uc7a5 \uac15\ub825\ud55c \ub3c4\uad6c\ub294 \ubc14\ub85c \ubcf5\ub9ac(Compounding)\uc785\ub2c8\ub2e4. \uc54c\ubca0\ub974\ud2b8 \uc544\uc778\uc288\ud0c0\uc778\uc774 ‘\uc138\uacc4 8\ub300 \ubd88\uac00\uc0ac\uc758’\ub77c\uace0 \uce6d\uc1a1\ud588\ub358 \ubcf5\ub9ac\ub294 \uc2dc\uac04\uc774 \uc9c0\ub0a0\uc218\ub85d \uc790\uc0b0\uc774 \uae30\ud558\uae09\uc218\uc801\uc73c\ub85c \ub298\uc5b4\ub098\ub294 \uc6d0\ub9ac\ub97c \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n

\uc790\uc0b0\uc774 \ub450 \ubc30\uac00 \ub418\ub294 \ub370 \uac78\ub9ac\ub294 \uc2dc\uac04\uc744 \uacc4\uc0b0\ud558\ub294 \uac00\uc7a5 \uc26c\uc6b4 \ubc29\ubc95\uc740 ’72\uc758 \ubc95\uce59’\uc785\ub2c8\ub2e4. 72\ub97c \uc5f0\uac04 \uc218\uc775\ub960\ub85c \ub098\ub204\uba74 \uc6d0\uae08\uc774 \ub450 \ubc30\uac00 \ub418\ub294 \uae30\uac04\uc774 \uc0b0\ucd9c\ub429\ub2c8\ub2e4. \ub9cc\uc57d \uc5f0 6%\uc758 \uc218\uc775\ub960\uc744 \ub0b8\ub2e4\uba74 \uc57d 12\ub144\uc774 \uac78\ub9ac\uace0, \uc5f0 12%\ub77c\uba74 \uadf8 \uc808\ubc18\uc778 6\ub144 \ub9cc\uc5d0 \uc790\uc0b0\uc774 \ub450 \ubc30\ub85c \ubd88\uc5b4\ub0a9\ub2c8\ub2e4. \uc774\ub294 \ub2e8 1~2%\uc758 \uc218\uc775\ub960 \ucc28\uc774\uac00 \uc7a5\uae30\uc801\uc73c\ub85c\ub294 \uac10\ub2f9\ud560 \uc218 \uc5c6\uc744 \ub9cc\ud07c \ud070 \uc790\uc0b0\uc758 \uaca9\ucc28\ub97c \ub9cc\ub4e0\ub2e4\ub294 \uc0ac\uc2e4\uc744 \uc2dc\uc0ac\ud569\ub2c8\ub2e4.<\/p>\n

\u25a0 \ub9ac\uc2a4\ud06c \uad00\ub9ac\uc758 \ud575\uc2ec: \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ub2e4\ubcc0\ud654<\/h3>\n

\uac80\uc99d\ub41c \uacbd\uc81c \uc9c0\uc2dd \uc911 \ud558\ub098\ub294 ‘\uacc4\ub780\uc744 \ud55c \ubc14\uad6c\ub2c8\uc5d0 \ub2f4\uc9c0 \ub9c8\ub77c’\ub294 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc774\ub860\uc785\ub2c8\ub2e4. \ud604\ub300 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc774\ub860(MPT)\uc5d0 \ub530\ub974\uba74, \uc11c\ub85c \uc0c1\uad00\uad00\uacc4\uac00 \ub0ae\uc740 \uc790\uc0b0\ub4e4\uc5d0 \ubd84\uc0b0 \ud22c\uc790\ud568\uc73c\ub85c\uc368 \ub3d9\uc77c\ud55c \uae30\ub300 \uc218\uc775\ub960 \ub300\ube44 \ub9ac\uc2a4\ud06c(\ubcc0\ub3d9\uc131)\ub97c \ub0ae\ucd9c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

    \n
  • \n

    \uc548\uc804 \uc790\uc0b0: \ub2ec\ub7ec, \uae08, \uad6d\ucc44 \ub4f1 \uacbd\uc81c \uc704\uae30 \uc2dc \uac00\uce58\uac00 \uc0c1\uc2b9\ud558\uac70\ub098 \uc720\uc9c0\ub418\ub294 \uc790\uc0b0.<\/p>\n<\/li>\n

  • \n

    \uc704\ud5d8 \uc790\uc0b0: \uc8fc\uc2dd, \ubd80\ub3d9\uc0b0 \ub4f1 \uacbd\uc81c \uc131\uc7a5\uae30\uc5d0 \ub192\uc740 \uc218\uc775\uc744 \uae30\ub300\ud560 \uc218 \uc788\ub294 \uc790\uc0b0.<\/p>\n<\/li>\n<\/ul>\n

    \ucd5c\uadfc\ucc98\ub7fc \ubcc0\ub3d9\uc131\uc774 \ud070 \uc2dc\uc7a5\uc5d0\uc11c\ub294 \ubcf8\uc778\uc758 \uc5f0\ub839\ub300\uc640 \uc18c\ub4dd \uc218\uc900, \uadf8\ub9ac\uace0 \ub9ac\uc2a4\ud06c \uac10\uc218 \uc131\ud5a5\uc5d0 \ub9de\ucdb0 \uc790\uc0b0 \ube44\uc911\uc744 \uc720\ub3d9\uc801\uc73c\ub85c \uc870\uc815\ud558\ub294 ‘\ub9ac\ubc38\ub7f0\uc2f1’ \uc791\uc5c5\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.<\/p>\n

    \u25a0 \uacbd\uc81c \ubb38\ub9f9 \ud0c8\ucd9c\uc774 \uace7 \ucd5c\uace0\uc758 \uc7ac\ud14c\ud06c<\/h3>\n

    \uae08\uc735 \uc774\ud574\ub825(Financial Literacy)\uc740 \ud604\ub300 \uc0ac\ud68c\uc5d0\uc11c \uc0dd\uc874\uc744 \uc704\ud55c \ud544\uc218 \uadfc\uc5ed\uc785\ub2c8\ub2e4. \ubcf5\uc7a1\ud55c \ucc28\ud2b8\ub97c \ubd84\uc11d\ud558\uae30\uc5d0 \uc55e\uc11c, \uac70\uc2dc \uacbd\uc81c\uc758 \ud750\ub984\uc778 \uae08\ub9ac, \ubb3c\uac00, \ud658\uc728\uc758 \uc0bc\uac01\uad00\uacc4\ub97c \ud30c\uc545\ud558\ub294 \uac83\ub9cc\uc73c\ub85c\ub3c4 \ud070 \uc2e4\uc218\ub97c \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

    \uc790\uc0b0 \uad00\ub9ac\ub294 \ud55c \ubc88\uc758 \uc6b4\uc73c\ub85c \uacb0\uc815\ub418\ub294 \uac83\uc774 \uc544\ub2c8\ub77c, \uc62c\ubc14\ub978 \uacbd\uc81c \uc9c0\uc2dd\uc744 \ubc14\ud0d5\uc73c\ub85c \ud55c \uafb8\uc900\ud55c \uc120\ud0dd\uc758 \uacb0\uacfc\ubb3c\uc785\ub2c8\ub2e4. \uc9c0\uae08 \ub098\uc758 \uc790\uc0b0\uc774 \uc778\ud50c\ub808\uc774\uc158\uc774\ub77c\ub294 \ud30c\ub3c4\ub97c \uacac\ub38c\ub0bc \uc218 \uc788\ub294 \uad6c\uc870\uc778\uc9c0 \uc810\uac80\ud574 \ubcfc \ub54c\uc785\ub2c8\ub2e4.<\/p>\n

    \n

    [\ub3c4\uc6c0\ub9d0: \uacbd\uc81c \uae08\uc735 \uad50\uc721\ud300 \/ \uce7c\ub7fc\ub2c8\uc2a4\ud2b8]<\/p>\n","protected":false},"excerpt":{"rendered":"

    \uae08\ub9ac \ub3d9\uacb0\uacfc \uc778\ud558 \uc0ac\uc774\uc758 \ubcc0\uace1\uc810, \uac1c\uc778 \ud22c\uc790\uc790\uac00 \uc8fc\ubaa9\ud574\uc57c \ud560 \uacbd\uc81c \uc9c0\ud45c\ub4e4 \uae00\ub85c\ubc8c \uae08\uc735 \uc2dc\uc7a5\uc758 \ubd88\ud655\uc2e4\uc131\uc774 \uc9c0\uc18d\ub418\uba74\uc11c ‘\ub3c8\uc758 \uac00\uce58’\ub97c \uc9c0\ud0a4\uae30 \uc704\ud55c \uac1c\uc778\ub4e4\uc758 \uace0\ubbfc\uc774 \uae4a\uc5b4\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc911\uc559\uc740\ud589\uc758 \uae08\ub9ac \uc815\ucc45\uc774 \uac00\uacc4 \ubd80\ucc44\uc640 \ud22c\uc790 \uc218\uc775\ub960\uc5d0 \uc9c1\uacb0\ub418\ub294 \uc2dc\uae30\uc778 \ub9cc\ud07c, \ub2e8\uc21c\ud55c \uc608\uc801\uae08\uc744 \ub118\uc5b4 \uacbd\uc81c \ud750\ub984\uc744 \uc77d\ub294 \uc548\ubaa9\uc774 \uadf8 \uc5b4\ub290 \ub54c\ubcf4\ub2e4 \uc911\uc694\ud574\uc9c4 \uc2dc\uc810\uc785\ub2c8\ub2e4. \u25a0 \uba85\ubaa9 \uae08\ub9ac\uac00 \uc544\ub2cc \u2018\uc2e4\uc9c8 \uae08\ub9ac\u2019\uc5d0 \uc8fc\ubaa9\ud574\uc57c \ud558\ub294 \uc774\uc720 […]<\/p>\n","protected":false},"author":399,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-1666","post","type-post","status-publish","format-standard","hentry","category-10"],"_links":{"self":[{"href":"https:\/\/core9news.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/1666","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/core9news.co.kr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/core9news.co.kr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/core9news.co.kr\/index.php?rest_route=\/wp\/v2\/users\/399"}],"replies":[{"embeddable":true,"href":"https:\/\/core9news.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1666"}],"version-history":[{"count":2,"href":"https:\/\/core9news.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/1666\/revisions"}],"predecessor-version":[{"id":1669,"href":"https:\/\/core9news.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/1666\/revisions\/1669"}],"wp:attachment":[{"href":"https:\/\/core9news.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1666"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/core9news.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1666"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/core9news.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1666"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}