{"id":1027,"date":"2025-10-05T17:05:51","date_gmt":"2025-10-05T08:05:51","guid":{"rendered":"https:\/\/www.fsquare.co.kr\/?p=1027"},"modified":"2025-10-05T17:05:51","modified_gmt":"2025-10-05T08:05:51","slug":"%ec%a3%bc%ec%8b%9d-%ec%97%85%ec%a2%85-%eb%b3%80%ed%99%94%eb%a5%bc-%ec%98%88%ec%b8%a1%ed%95%98%ea%b8%b0-%ec%9c%84%ed%95%9c-%ea%b8%b0%ec%b4%88-%ec%9e%90%eb%a3%8c","status":"publish","type":"post","link":"https:\/\/www.fsquare.co.kr\/?p=1027","title":{"rendered":"\uc8fc\uc2dd \uc5c5\uc885 \ubcc0\ud654\ub97c \uc608\uce21\ud558\uae30 \uc704\ud55c \uae30\ucd08 \uc790\ub8cc"},"content":{"rendered":"

\ud83d\udcc8 \uac70\uc2dc \ubcc0\uc218\ubcc4 \ub300\ud45c \uc9c0\ud45c \ubc0f \ubbfc\uac10\ub3c4 \uae30\uc900<\/h2>\n
\n
\n\n\n\n\n\n\n\n\n\n\n
\uad6c\ubd84<\/th>\n\ub300\ud45c \uc9c0\ud45c (\uc778\ub371\uc2a4 \/ \ub370\uc774\ud130)<\/th>\n\ub2e8\uc704 \/ \ucd9c\ucc98<\/th>\n\uc5c5\uc885\uc5d0 \ubbf8\uce58\ub294 \uc8fc\uc694 \uc601\ud5a5<\/th>\n<\/tr>\n<\/thead>\n
\uae08\ub9ac \ubcc0\ud654 \ubbfc\uac10\ub3c4<\/strong><\/td>\n– \ud55c\uad6d\uc740\ud589 \uae30\uc900\uae08\ub9ac (Base Rate)<\/strong>
\n– \uad6d\uace0\ucc44 3\ub144\ubb3c \uae08\ub9ac (KTB 3Y Yield)<\/strong>
\n– CD\uae08\ub9ac \/ \ucf54\ud53d\uc2a4 (COFIX)<\/strong><\/td>\n		% \/ \ud55c\uad6d\uc740\ud589, \uae08\uc735\ud22c\uc790\ud611\ud68c<\/td>\n\uae08\ub9ac \uc0c1\uc2b9 \uc2dc \uc790\uae08\uc870\ub2ec\ube44\uc6a9, \ud560\uc778\uc728 \uc0c1\uc2b9 \u2192 \uac74\uc124\u00b7\uae08\uc735\u00b7\ub0b4\uc218 \uc5c5\uc885\uc5d0 \uc9c1\uc811 \uc601\ud5a5<\/td>\n<\/tr>\n
\ud658\uc728 \ubcc0\ub3d9 \ubbfc\uac10\ub3c4<\/strong><\/td>\n– \uc6d0\/\ub2ec\ub7ec \ud658\uc728 (KRW\/USD)<\/strong>
\n– \uc6d0\/\uc5d4 \ud658\uc728 (KRW\/JPY)<\/strong><\/td>\n		\uc6d0\ud654 \ub300\ube44 \uc8fc\uc694\ud1b5\ud654 \/ \ud55c\uad6d\uc740\ud589, Investing.com<\/td>\n\uc6d0\ud654 \uc57d\uc138 \uc2dc \uc218\ucd9c\uae30\uc5c5(IT, \uc790\ub3d9\ucc28, \ud654\ud559 \ub4f1) \uc218\uc775\uc131 \uac1c\uc120, \uc218\uc785\ubb3c\uac00 \uc0c1\uc2b9 \ubd80\ub2f4<\/td>\n<\/tr>\n
\uc218\ucd9c \uacbd\uae30 \ubbfc\uac10\ub3c4<\/strong><\/td>\n– \ud55c\uad6d \uc218\ucd9c\uc561 (\uc6d4\uac04, \ub2ec\ub7ec \uae30\uc900)<\/strong>
\n– OECD \uacbd\uae30\uc120\ud589\uc9c0\uc218 (CLI)<\/strong>
\n– PMI(\uc81c\uc870\uc5c5 \uad6c\ub9e4\uad00\ub9ac\uc790\uc9c0\uc218)<\/strong><\/td>\n		\ubc31\ub9cc\ub2ec\ub7ec \/ \ud1b5\uacc4\uccad, OECD, S&P Global<\/td>\n\uae00\ub85c\ubc8c \uacbd\uae30 \ub454\ud654 \uc2dc \uc218\ucd9c \uc911\uc2ec \uc5c5\uc885(IT, \uae30\uacc4, \uc870\uc120 \ub4f1) \uc2e4\uc801 \uc545\ud654<\/td>\n<\/tr>\n
\ub0b4\uc218 \uacbd\uae30 (\uc18c\ube44) \ubbfc\uac10\ub3c4<\/strong><\/td>\n– \uc18c\ube44\uc790\uc2ec\ub9ac\uc9c0\uc218 (CCSI)<\/strong>
\n– \uc18c\ub9e4\ud310\ub9e4\uc561\uc9c0\uc218 (Retail Sales Index)<\/strong>
\n– GDP \uc911 \ubbfc\uac04\uc18c\ube44 \ud56d\ubaa9<\/strong><\/td>\n		\uc9c0\uc218 \/ \ud55c\uad6d\uc740\ud589, \ud1b5\uacc4\uccad<\/td>\n\uc18c\ube44 \uc2ec\ub9ac \uac1c\uc120 \uc2dc \uc720\ud1b5\u00b7\ub9ac\ud14c\uc77c\u00b7\uc74c\uc2dd\ub8cc\u00b7\ub808\uc800\uc5c5\uc885 \uc218\uc775 \uac1c\uc120<\/td>\n<\/tr>\n
\ubb3c\uac00 \/ \uc6d0\uc790\uc7ac \uac00\uaca9 \ubbfc\uac10\ub3c4<\/strong><\/td>\n– \uad6d\uc81c \uc720\uac00 (WTI \/ Brent Crude)<\/strong>
\n– CRB \uc885\ud569\uc6d0\uc790\uc7ac\uc9c0\uc218 (CRB Index)<\/strong>
\n– \uc0dd\uc0b0\uc790\ubb3c\uac00\uc9c0\uc218 (PPI)<\/strong><\/td>\n		USD\/\ubc30\ub7f4, \uc9c0\uc218 \/ Bloomberg, \ud55c\uad6d\uc740\ud589<\/td>\n\uc6d0\uc790\uc7ac\u00b7\uc5d0\ub108\uc9c0 \ube44\uc6a9 \uc0c1\uc2b9 \uc2dc \ud654\ud559\u00b7\uc18c\uc7ac\u00b7\uc6b4\uc1a1\ube44\uc6a9 \uad00\ub828 \uc5c5\uc885 \ubd80\ub2f4<\/td>\n<\/tr>\n
\ucd1d\ud569 \uac70\uc2dc \ubbfc\uac10\ub3c4<\/strong><\/td>\n\uac01 \ubcc0\uc218\ubcc4 \ud45c\uc900\ud654 \uc810\uc218\uc758 \ud3c9\uade0 (\ud639\uc740 \ud68c\uadc0\ubd84\uc11d \uc2dc R\u00b2 \uac00\uc911\ud3c9\uade0)<\/td>\n–<\/td>\n\ud2b9\uc815 \uc5c5\uc885\uc774 \uc804\uccb4 \uacbd\uc81c\uc9c0\ud45c \ubcc0\ub3d9\uc5d0 \uc5b4\ub290 \uc815\ub3c4 \ub3d9\uc870\ud558\ub294\uc9c0\ub97c \ub098\ud0c0\ub0c4<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n
\n

\ud83d\udd0d \uc2e4\uc81c \ubbfc\uac10\ub3c4 \uacc4\uc0b0 \ubc29\uc2dd (\uc694\uc57d)<\/h2>\n

\uc99d\uad8c\uc0ac\ub098 \uc5f0\uad6c\uae30\uad00\uc740 \ubcf4\ud1b5 \ub2e4\uc74c\uacfc \uac19\uc740 \ud615\ud0dc\ub85c \ubbfc\uac10\ub3c4\ub97c \uacc4\uc0b0\ud569\ub2c8\ub2e4.<\/p>\n

\n

\ubbfc\uac10\ub3c4(\u03b2)<\/strong> = Cov(\uc5c5\uc885\uc218\uc775\ub960, \uac70\uc2dc\uc9c0\ud45c\ubcc0\ud654\uc728) \/ Var(\uac70\uc2dc\uc9c0\ud45c\ubcc0\ud654\uc728)<\/p>\n<\/blockquote>\n

\uc608\ub97c \ub4e4\uc5b4<\/p>\n

    \n
  • \n

    \ubc18\ub3c4\uccb4 \uc5c5\uc885 \uc218\uc775\ub960\uacfc \uc6d0\/\ub2ec\ub7ec \ud658\uc728 \ubcc0\ud654\uc728 \uac04\uc758 \uc0c1\uad00\uacc4\uc218\ub97c \uad6c\ud574\ubcf4\uba74
    \ub300\uccb4\ub85c +0.7~0.8 \uc218\uc900<\/strong>\uc73c\ub85c \ub098\ud0c0\ub098\uba70, \uc774\ub294 \u201c\uc6d0\ud654 \uc57d\uc138 \u2192 \ubc18\ub3c4\uccb4 \uc8fc\uac00 \uc0c1\uc2b9\u201d\uc774\ub77c\ub294 \uc804\ud615\uc801\uc778 \uad00\uacc4\ub97c \ubc18\uc601\ud569\ub2c8\ub2e4.<\/p>\n<\/li>\n

  • \n

    \ubc18\ub300\ub85c \uae08\uc735\uc5c5\uc740 \uae08\ub9ac\uc640 **\uc5ed\uc0c1\uad00(-0.6 \ub0b4\uc678)**\uc744 \ubcf4\uc774\ub294 \uacbd\ud5a5\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<\/li>\n<\/ul>\n

    \n

    \ud83d\udca1 \uc608\uc2dc\ub85c \ubcf8 \uc2e4\uc81c \uc5f0\ub3d9 \uad00\uacc4 (\ub300\ub7b5\uc801\uc778 \ubc29\ud5a5\uc131)<\/h2>\n
    \n
    \n\n\n\n\n\n\n\n\n\n
    \ubcc0\uc218 \ubcc0\ud654<\/th>\n\uae0d\uc815\uc801 \uc601\ud5a5 \uc5c5\uc885<\/th>\n\ubd80\uc815\uc801 \uc601\ud5a5 \uc5c5\uc885<\/th>\n<\/tr>\n<\/thead>\n
    \uae08\ub9ac \uc778\uc0c1<\/strong><\/td>\n\ubcf4\ud5d8 (\uc774\uc790\uc218\uc775 \uc99d\uac00)<\/td>\n\uac74\uc124, \uc740\ud589(\uc5f0\uccb4 \ub9ac\uc2a4\ud06c), \uc18c\ube44\uc7ac<\/td>\n<\/tr>\n
    \uc6d0\ud654 \uc57d\uc138 (\ud658\uc728 \uc0c1\uc2b9)<\/strong><\/td>\n\ubc18\ub3c4\uccb4, \uc790\ub3d9\ucc28, \uc870\uc120, \ud654\ud559<\/td>\n\ud56d\uacf5, \uc720\ud1b5, \ub0b4\uc218 \uc911\uc2ec \uae30\uc5c5<\/td>\n<\/tr>\n
    \uc218\ucd9c \uc99d\uac00 \/ \uae00\ub85c\ubc8c \uacbd\uae30 \ud68c\ubcf5<\/strong><\/td>\n\ubc18\ub3c4\uccb4, \uae30\uacc4, \ucca0\uac15, \uc870\uc120<\/td>\n\ub0b4\uc218 \uc911\uc2ec \uc0b0\uc5c5<\/td>\n<\/tr>\n
    \uc18c\ube44\uc2ec\ub9ac \uac1c\uc120 \/ \uacbd\uae30 \ubd80\uc591<\/strong><\/td>\n\uc720\ud1b5, \uc74c\uc2dd\ub8cc, \uc5ec\ud589, \uc5d4\ud130<\/td>\n\uacbd\uae30\ubc29\uc5b4\uc8fc(\uc720\ud2f8\ub9ac\ud2f0, \uc81c\uc57d)\ub294 \uc0c1\ub300\uc801 \uc57d\uc138<\/td>\n<\/tr>\n
    \uc720\uac00 \/ \uc6d0\uc790\uc7ac \uac00\uaca9 \uc0c1\uc2b9<\/strong><\/td>\n\uc815\uc720, \uc5d0\ub108\uc9c0<\/td>\n\ud654\ud559, \uc6b4\uc1a1, \uac74\uc124, \uc18c\ube44\uc7ac<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n
    \n

    2020\ub144 –\u00a0 2025\ub144 \uc0c1\ubc18\uae30 \uae4c\uc9c0\uc758 \uc911\uae30 \ud3c9\uade0 \ubbfc\uac10<\/p>\n

    \ud83d\udcca \uc5c5\uc885\ubcc4 \uac70\uc2dc \ubcc0\uc218 \ubbfc\uac10\ub3c4 (\uc0c1\ub300 \uc810\uc218 \uae30\uc900: 0~100)<\/h3>\n
    \n
    \n\n\n\n\n\n\n\n\n\n\n\n\n\n
    \uc5c5\uc885<\/th>\n\uae08\ub9ac \ubcc0\ud654 \ubbfc\uac10\ub3c4<\/th>\n\ud658\uc728 \ubcc0\ub3d9 \ubbfc\uac10\ub3c4<\/th>\n\uc218\ucd9c \uacbd\uae30 \ubbfc\uac10\ub3c4<\/th>\n\ub0b4\uc218 \uacbd\uae30(\uc18c\ube44) \ubbfc\uac10\ub3c4<\/th>\n\ubb3c\uac00\/\uc6d0\uc790\uc7ac \uac00\uaca9 \ubbfc\uac10\ub3c4<\/th>\n\ucd1d\ud569 \uac70\uc2dc \ubbfc\uac10\ub3c4 (\ud3c9\uade0)<\/th>\n<\/tr>\n<\/thead>\n
    \ubc18\ub3c4\uccb4 \/ \uc804\uc790 \/ IT<\/strong><\/td>\n55<\/td>\n90<\/strong><\/td>\n95<\/strong><\/td>\n30<\/td>\n40<\/td>\n82<\/strong><\/td>\n<\/tr>\n
    \uc790\ub3d9\ucc28 \/ \uc804\uae30\ucc28 \/ \ubd80\ud488<\/strong><\/td>\n60<\/td>\n85<\/td>\n80<\/td>\n40<\/td>\n55<\/td>\n76<\/strong><\/td>\n<\/tr>\n
    \ud654\ud559 \/ \uc815\uc720 \/ \uc18c\uc7ac<\/strong><\/td>\n50<\/td>\n75<\/td>\n70<\/td>\n25<\/td>\n95<\/strong><\/td>\n77<\/strong><\/td>\n<\/tr>\n
    \uc870\uc120 \/ \uae30\uacc4 \/ \uc911\uacf5\uc5c5<\/strong><\/td>\n45<\/td>\n80<\/td>\n85<\/td>\n30<\/td>\n85<\/td>\n78<\/strong><\/td>\n<\/tr>\n
    \uac74\uc124 \/ \uac74\uc790\uc7ac<\/strong><\/td>\n90<\/strong><\/td>\n35<\/td>\n40<\/td>\n60<\/td>\n70<\/td>\n59<\/strong><\/td>\n<\/tr>\n
    \uae08\uc735 \/ \uc740\ud589 \/ \ubcf4\ud5d8<\/strong><\/td>\n95<\/strong><\/td>\n40<\/td>\n30<\/td>\n50<\/td>\n45<\/td>\n52<\/strong><\/td>\n<\/tr>\n
    \uc18c\ube44\uc7ac \/ \uc720\ud1b5 \/ \ub9ac\ud14c\uc77c<\/strong><\/td>\n40<\/td>\n25<\/td>\n25<\/td>\n95<\/strong><\/td>\n60<\/td>\n49<\/strong><\/td>\n<\/tr>\n
    \ud5ec\uc2a4\ucf00\uc5b4 \/ \uc81c\uc57d \/ \ubc14\uc774\uc624<\/strong><\/td>\n30<\/td>\n40<\/td>\n50<\/td>\n60<\/td>\n35<\/td>\n43<\/strong><\/td>\n<\/tr>\n
    \ud1b5\uc2e0 \/ \uacf5\uacf5 \/ \uc720\ud2f8\ub9ac\ud2f0<\/strong><\/td>\n20<\/td>\n20<\/td>\n15<\/td>\n45<\/td>\n30<\/td>\n26<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n
    \n

    <\/h3>\n

    \ud83d\udcc8 \uc5c5\uc885\ubcc4 \uac70\uc2dc \ubcc0\uc218 \ubbfc\uac10\ub3c4 \ucd94\uc774 (2020~2025 \uc0c1\ubc18\uae30 \uae30\uc900)<\/h2>\n
    \n
    \n\n\n\n\n\n\n\n\n\n\n
    \uc5f0\ub3c4<\/th>\n\ubc18\ub3c4\uccb4\u00b7IT (\ud658\uc728 \ubbfc\uac10\ub3c4)<\/th>\n\uc790\ub3d9\ucc28 (\uc218\ucd9c \ubbfc\uac10\ub3c4)<\/th>\n\ud654\ud559\u00b7\uc815\uc720 (\uc6d0\uc790\uc7ac \ubbfc\uac10\ub3c4)<\/th>\n\uac74\uc124 (\uae08\ub9ac \ubbfc\uac10\ub3c4)<\/th>\n\uae08\uc735 (\uae08\ub9ac \ubbfc\uac10\ub3c4)<\/th>\n\uc18c\ube44\uc7ac\u00b7\uc720\ud1b5 (\uc18c\ube44\uc2ec\ub9ac \ubbfc\uac10\ub3c4)<\/th>\n<\/tr>\n<\/thead>\n
    2020 (\ucf54\ub85c\ub098 \ucd08\uae30)<\/strong><\/td>\n60<\/td>\n55<\/td>\n65<\/td>\n30<\/td>\n45<\/td>\n25<\/td>\n<\/tr>\n
    2021 (\uc218\ucd9c \ud68c\ubcf5\uae30)<\/strong><\/td>\n75<\/td>\n80<\/td>\n85<\/td>\n40<\/td>\n55<\/td>\n50<\/td>\n<\/tr>\n
    2022 (\uae08\ub9ac \uae09\ub4f1\u00b7\uc6d0\ud654 \uc57d\uc138)<\/strong><\/td>\n90<\/strong><\/td>\n85<\/td>\n95<\/td>\n75<\/td>\n90<\/strong><\/td>\n45<\/td>\n<\/tr>\n
    2023 (\uae08\ub9ac \uace0\uc810\u00b7\uc218\ucd9c \ub454\ud654)<\/strong><\/td>\n85<\/td>\n70<\/td>\n80<\/td>\n95<\/strong><\/td>\n85<\/td>\n55<\/td>\n<\/tr>\n
    2024 (\uae08\ub9ac \uc548\uc815\u00b7\uc18c\ube44 \ub454\ud654)<\/strong><\/td>\n80<\/td>\n65<\/td>\n75<\/td>\n85<\/td>\n70<\/td>\n60<\/td>\n<\/tr>\n
    2025 \uc0c1\ubc18\uae30 (\uc218\ucd9c \ubc18\ub4f1 \uae30\ub300)<\/strong><\/td>\n88<\/strong><\/td>\n82<\/strong><\/td>\n78<\/td>\n70<\/td>\n60<\/td>\n58<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n
    \n

    <\/h3>\n

    \ud83d\udcca \uc5c5\uc885\ubcc4 \uac70\uc2dc \ubcc0\uc218 \ubbfc\uac10\ub3c4 \ube44\uad50<\/h2>\n

    (2024\ub144 \ub9d0 vs 2025\ub144 9\uc6d4 \ub9d0 \uae30\uc900, \uc0c1\ub300\uc810\uc218 0~100)<\/p>\n

    \n
    \n\n\n\n\n\n\n\n\n\n\n\n\n\n
    \uc5c5\uc885<\/th>\n\uae08\ub9ac \ubbfc\uac10\ub3c4<\/th>\n\ud658\uc728 \ubbfc\uac10\ub3c4<\/th>\n\uc218\ucd9c \uacbd\uae30 \ubbfc\uac10\ub3c4<\/th>\n\ub0b4\uc218 \uacbd\uae30(\uc18c\ube44) \ubbfc\uac10\ub3c4<\/th>\n\uc6d0\uc790\uc7ac\u00b7\ubb3c\uac00 \ubbfc\uac10\ub3c4<\/th>\n\ucd1d\ud569 \ubbfc\uac10\ub3c4 (\ud3c9\uade0)<\/th>\n<\/tr>\n<\/thead>\n
    \ubc18\ub3c4\uccb4 \/ IT \/ \uc804\uc790<\/strong><\/td>\n55 \u2192 50<\/strong><\/td>\n80 \u2192 90<\/strong><\/td>\n75 \u2192 88<\/strong><\/td>\n35 \u2192 30<\/td>\n45 \u2192 40<\/td>\n58 \u2192 60<\/strong><\/td>\n<\/tr>\n
    \uc790\ub3d9\ucc28 \/ \ubd80\ud488 \/ \uc804\uae30\ucc28<\/strong><\/td>\n60 \u2192 55<\/td>\n70 \u2192 82<\/strong><\/td>\n65 \u2192 85<\/strong><\/td>\n40 \u2192 35<\/td>\n55 \u2192 50<\/td>\n58 \u2192 61<\/strong><\/td>\n<\/tr>\n
    \ud654\ud559 \/ \uc815\uc720 \/ \uc18c\uc7ac<\/strong><\/td>\n65 \u2192 60<\/td>\n70 \u2192 68<\/td>\n60 \u2192 75<\/td>\n25 \u2192 25<\/td>\n85 \u2192 78<\/strong><\/td>\n61 \u2192 61<\/strong><\/td>\n<\/tr>\n
    \uc870\uc120 \/ \uae30\uacc4 \/ \uc911\uacf5\uc5c5<\/strong><\/td>\n70 \u2192 65<\/td>\n75 \u2192 85<\/strong><\/td>\n70 \u2192 82<\/strong><\/td>\n30 \u2192 25<\/td>\n80 \u2192 70<\/td>\n65 \u2192 65<\/strong><\/td>\n<\/tr>\n
    \uac74\uc124 \/ \uac74\uc790\uc7ac<\/strong><\/td>\n85 \u2192 70<\/strong><\/td>\n40 \u2192 35<\/td>\n35 \u2192 40<\/td>\n55 \u2192 60<\/td>\n65 \u2192 60<\/td>\n56 \u2192 53<\/strong><\/td>\n<\/tr>\n
    \uae08\uc735 \/ \uc740\ud589 \/ \ubcf4\ud5d8<\/strong><\/td>\n80 \u2192 60<\/strong><\/td>\n35 \u2192 40<\/td>\n25 \u2192 30<\/td>\n55 \u2192 50<\/td>\n45 \u2192 45<\/td>\n48 \u2192 45<\/strong><\/td>\n<\/tr>\n
    \uc18c\ube44\uc7ac \/ \uc720\ud1b5 \/ \uc74c\uc2dd\ub8cc<\/strong><\/td>\n45 \u2192 40<\/td>\n25 \u2192 30<\/td>\n20 \u2192 25<\/td>\n70 \u2192 80<\/strong><\/td>\n50 \u2192 55<\/td>\n42 \u2192 46<\/strong><\/td>\n<\/tr>\n
    \ud5ec\uc2a4\ucf00\uc5b4 \/ \uc81c\uc57d \/ \ubc14\uc774\uc624<\/strong><\/td>\n30 \u2192 30<\/td>\n35 \u2192 40<\/td>\n45 \u2192 50<\/td>\n60 \u2192 65<\/td>\n35 \u2192 35<\/td>\n41 \u2192 44<\/strong><\/td>\n<\/tr>\n
    \ud1b5\uc2e0 \/ \uc720\ud2f8\ub9ac\ud2f0 \/ \uacf5\uacf5<\/strong><\/td>\n20 \u2192 25<\/td>\n15 \u2192 20<\/td>\n10 \u2192 15<\/td>\n45 \u2192 50<\/td>\n25 \u2192 25<\/td>\n23 \u2192 27<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

    <\/h2>\n

    <\/h2>\n

    3\ufe0f\u20e3 \uc885\ud569 \ud3c9\uac00 \u2013 2025\ub144 \ud558\ubc18\uae30 \uc720\ub9dd \uc5c5\uc885<\/h2>\n
      \n
    1. \n

      \ucd5c\uc6b0\uc120 \uc720\ub9dd<\/strong><\/p>\n

        \n
      • \n

        \ubc18\ub3c4\uccb4 \/ IT<\/strong> \u2192 \uad6c\uc870\uc801 + \ub2e8\uae30 \ubaa8\uba58\ud140 \ub3d9\uc2dc<\/p>\n<\/li>\n<\/ul>\n<\/li>\n

      • \n

        \uc720\ub9dd<\/strong><\/p>\n

          \n
        • \n

          \uc870\uc120\u00b7\uc120\ubc15\/\ud574\uc6b4<\/strong> \u2192 \uae00\ub85c\ubc8c \uc218\ucd9c \ud68c\ubcf5<\/p>\n<\/li>\n

        • \n

          \uc790\ub3d9\ucc28\u00b7\ubd80\ud488<\/strong> \u2192 EV\u00b7\uce5c\ud658\uacbd\ucc28 \uc218\ucd9c \uc131\uc7a5<\/p>\n<\/li>\n

        • \n

          2\ucc28\uc804\uc9c0\u00b7\ubc30\ud130\ub9ac<\/strong> \u2192 \uc815\ubd80 \uc815\ucc45 + \uae00\ub85c\ubc8c \uc218\uc694<\/p>\n<\/li>\n<\/ul>\n<\/li>\n

        • \n

          \uc911\ub9bd~\ubcf4\ud1b5<\/strong><\/p>\n

            \n
          • \n

            \uc815\uc720\u00b7\ud654\ud559\u00b7\ucca0\uac15<\/strong> \u2192 \uc6d0\uc790\uc7ac \uac00\uaca9 \uc758\uc874<\/p>\n<\/li>\n

          • \n

            \uae08\uc735<\/strong> \u2192 \uae08\ub9ac \ud558\ub77d \uc218\ud61c \uac00\ub2a5, \uadf8\ub7ec\ub098 \uac00\uacc4\ubd80\ucc44 \uc704\ud5d8<\/p>\n<\/li>\n

          • \n

            \uac74\uc124\u00b7\ubd80\ub3d9\uc0b0<\/strong> \u2192 \uae08\ub9ac \uc548\uc815 \uc218\ud61c \uc81c\ud55c\uc801<\/p>\n<\/li>\n<\/ul>\n<\/li>\n

          • \n

            \uc0c1\ub300\uc801 \uc57d\uc138<\/strong><\/p>\n

              \n
            • \n

              \uc720\ud1b5\u00b7\uc18c\ube44\uc7ac<\/strong> \u2192 \ub0b4\uc218 \ub454\ud654 \uc9c0\uc18d<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n

               <\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

              \ud83d\udcc8 \uac70\uc2dc \ubcc0\uc218\ubcc4 \ub300\ud45c \uc9c0\ud45c \ubc0f \ubbfc\uac10\ub3c4 \uae30\uc900 \uad6c\ubd84 \ub300\ud45c \uc9c0\ud45c (\uc778\ub371\uc2a4 \/ \ub370\uc774\ud130) \ub2e8\uc704 \/ \ucd9c\ucc98 \uc5c5\uc885\uc5d0 \ubbf8\uce58\ub294 \uc8fc\uc694 \uc601\ud5a5 \uae08\ub9ac \ubcc0\ud654 \ubbfc\uac10\ub3c4 – \ud55c\uad6d\uc740\ud589 \uae30\uc900\uae08\ub9ac (Base Rate) – \uad6d\uace0\ucc44 3\ub144\ubb3c \uae08\ub9ac (KTB 3Y Yield) – CD\uae08\ub9ac \/ \ucf54\ud53d\uc2a4 (COFIX) % \/ \ud55c\uad6d\uc740\ud589, \uae08\uc735\ud22c\uc790\ud611\ud68c \uae08\ub9ac \uc0c1\uc2b9 \uc2dc \uc790\uae08\uc870\ub2ec\ube44\uc6a9, \ud560\uc778\uc728 \uc0c1\uc2b9 \u2192 \uac74\uc124\u00b7\uae08\uc735\u00b7\ub0b4\uc218 \uc5c5\uc885\uc5d0 \uc9c1\uc811 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4,2,5],"tags":[54,53],"class_list":["post-1027","post","type-post","status-publish","format-standard","hentry","category-asset-pricing","category-finance","category-fund-evaluation","tag-chatgpt","tag-53"],"_links":{"self":[{"href":"https:\/\/www.fsquare.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/1027","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fsquare.co.kr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fsquare.co.kr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fsquare.co.kr\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fsquare.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1027"}],"version-history":[{"count":2,"href":"https:\/\/www.fsquare.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/1027\/revisions"}],"predecessor-version":[{"id":1029,"href":"https:\/\/www.fsquare.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/1027\/revisions\/1029"}],"wp:attachment":[{"href":"https:\/\/www.fsquare.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1027"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fsquare.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1027"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fsquare.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1027"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}