{"id":95,"date":"2023-08-17T10:18:08","date_gmt":"2023-08-17T01:18:08","guid":{"rendered":"https:\/\/kbtvnews.com\/?p=95"},"modified":"2023-08-15T19:24:18","modified_gmt":"2023-08-15T10:24:18","slug":"%ec%9a%b0%eb%a6%ac%ec%9d%80%ed%96%89-%eb%94%94%eb%94%a4%eb%8f%8c%eb%8c%80%ec%b6%9c-%ec%a1%b0%ea%b1%b4%ec%97%90-%eb%8c%80%ed%95%b4-%ec%95%8c%ec%95%84%eb%b3%b4%ec%9e%90","status":"publish","type":"post","link":"https:\/\/kbtvnews.com\/?p=95","title":{"rendered":"\uc6b0\ub9ac\uc740\ud589 \ub514\ub524\ub3cc\ub300\ucd9c \uc870\uac74\uc5d0 \ub300\ud574 \uc54c\uc544\ubcf4\uc790"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1280\" height=\"853\" src=\"https:\/\/kbtvnews.com\/wp-content\/uploads\/2023\/08\/9937.jpg\" alt=\"\" class=\"wp-image-96\" srcset=\"https:\/\/kbtvnews.com\/wp-content\/uploads\/2023\/08\/9937.jpg 1280w, https:\/\/kbtvnews.com\/wp-content\/uploads\/2023\/08\/9937-300x200.jpg 300w, https:\/\/kbtvnews.com\/wp-content\/uploads\/2023\/08\/9937-1024x682.jpg 1024w, https:\/\/kbtvnews.com\/wp-content\/uploads\/2023\/08\/9937-768x512.jpg 768w\" sizes=\"(max-width: 1280px) 100vw, 1280px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">1. \uc6b0\ub9ac\uc740\ud589 \ub514\ub524\ub3cc\ub300\ucd9c\uc774\ub780?<\/h2>\n\n\n\n<p>\uc6b0\ub9ac\uc740\ud589 \ub514\ub524\ub3cc\ub300\ucd9c\uc740 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uc0c1\ud488\uc758 \ud558\ub098\ub85c, \uc800\uae08\ub9ac\uc640 \ud568\uaed8 \ub300\ucd9c \ud55c\ub3c4\uac00 \ub192\uace0 \uc0c1\ud658 \uae30\uac04\uc774 \uae38\uc5b4\uc11c \ub9ce\uc740 \uc774\ub4e4\uc774 \uc120\ud0dd\ud558\ub294 \ub300\ucd9c\uc0c1\ud488\uc785\ub2c8\ub2e4. \ub514\ub524\ub3cc\ub300\ucd9c\uc758 \ud2b9\uc9d5\uc73c\ub85c\ub294 \uc2e0\uc6a9\ub4f1\uae09\uc5d0 \ub530\ub77c\uc11c \uae08\ub9ac \ucc28\ub4f1 \uc801\uc6a9, \ub300\ucd9c\ud55c\ub3c4\ub294 \ucd5c\ub300 1\uc5b55000\ub9cc\uc6d0\uae4c\uc9c0 \uac00\ub2a5\ud558\uba70, \uac74\uac15\ubcf4\ud5d8\ub8cc \ub4f1 \uace0\uc815\ube44\uc6a9\uc744 \ud3ec\ud568\ud558\uc5ec \uc6d4 5\ub9cc\uc6d0 \ubbf8\ub9cc\uc73c\ub85c \ub0ae\uc544\uc9c4 \uc0c1\ud658\ubd80\ub2f4 \ub610\ud55c \uc7a5\uc810\uc785\ub2c8\ub2e4.\ub610\ud55c \uc911\ub3c4\uc0c1\ud658 \uc218\uc218\ub8cc\uac00 \uc5c6\uc73c\uba70, \ub9cc\uae30\uc77c\uae4c\uc9c0 \uc77c\ubc29\uc801\uc778 \uc774\uc790 \uc778\uc0c1 \uc5c6\uc774 \uc6d0\ub9ac\uae08\uade0\ub4f1\uc0c1\ud658\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. \uc0dd\uc560\ucd5c\ucd08 \uc8fc\ud0dd\uad6c\uc785 \ub300\ucd9c \ud55c\ub3c4\uc640 \uc870\uac74<\/h2>\n\n\n\n<p>\uc6b0\ub9ac\uc740\ud589 \ub514\ub524\ub3cc\ub300\ucd9c\uc740 \uc0dd\uc560\ucd5c\ucd08 \uc8fc\ud0dd\uad6c\uc785\uc744 \uc704\ud574 \uc81c\uacf5\ub418\ub294 \ub300\ucd9c\uc0c1\ud488\uc73c\ub85c, \ud55c\ub3c4\uc640 \uc870\uac74\uc774 \uad81\uae08\ud55c \uace0\uac1d\ub4e4\uc774 \ub9ce\uc2b5\ub2c8\ub2e4. \uc774 \ub300\ucd9c\uc758 \uacbd\uc6b0, \ucd5c\ub300 3\uc5b5\uc6d0\uae4c\uc9c0 \ub300\ucd9c\uc774 \uac00\ub2a5\ud558\uba70 \uc0c1\ud658\uae30\uac04\uc740 \ucd5c\ub300 25\ub144\uae4c\uc9c0 \uac00\ub2a5\ud569\ub2c8\ub2e4. \ub300\ucd9c\uae08\ub9ac\ub294 \ubcc0\ub3d9\uae08\ub9ac\uc640 \uace0\uc815\uae08\ub9ac \uc911 \uc120\ud0dd\ud560 \uc218 \uc788\uc73c\uba70, \ubcc0\ub3d9\uae08\ub9ac\uc758 \uacbd\uc6b0 \uc6b0\ub9ac\uc740\ud589 \uae30\uc900\uae08\ub9ac\uc5d0 \ub530\ub77c \ubcc0\ub3d9\ub429\ub2c8\ub2e4. \ub610\ud55c, \uc6d0\ud558\ub294 \uae08\uc561\uc744 \ud55c \ubc88\uc5d0 \ubc1b\uc544\uc11c \uc0ac\uc6a9\ud560 \uc218 \uc788\ub294 \uc77c\uc2dc\uc0c1\ud658\uc2dd\uacfc \ud544\uc694\ud55c \ub9cc\ud07c \ubd80\ubd84\uc801\uc73c\ub85c \uacc4\uc18d\ud574\uc11c \uc778\ucd9c \ubc0f \uc0c1\ud658\ud560 \uc218 \uc788\ub294 \uc790\uc720\uc0c1\ud658\uc2dd \uc911 \uc120\ud0dd\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4. \uc790\uc138\ud55c \uc870\uac74\uc740 \uc6b0\ub9ac\uc740\ud589 \ud648\ud398\uc774\uc9c0\uc5d0\uc11c \ud655\uc778\ud558\uc2e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. \ub514\ub524\ub3cc\ub300\ucd9c \uae08\ub9ac\uc640 \uc0c1\ud658 \ubc29\ubc95<\/h2>\n\n\n\n<p>\uc6b0\ub9ac\uc740\ud589\uc5d0\uc11c \uc81c\uacf5\ud558\ub294 \ub514\ub524\ub3cc\ub300\ucd9c\uc758 \uae08\ub9ac\uc640 \uc0c1\ud658 \ubc29\uc2dd\uc5d0 \ub300\ud574 \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \ub514\ub524\ub3cc\ub300\ucd9c\uc740 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uacfc \uac19\uc774 \ubd80\ub3d9\uc0b0\uc744 \ub2f4\ubcf4\ub85c \ubc1b\ub294 \ub300\ucd9c \uc0c1\ud488\uc785\ub2c8\ub2e4. \uc774\uc5d0 \ub530\ub77c \uae08\ub9ac\uac00 \uc0c1\ub300\uc801\uc73c\ub85c \ub0ae\uac8c \ucc45\uc815\ub418\uba70, 10\ub144 \uc774\uc0c1\uc758 \uc7a5\uae30\uac04 \uc0c1\ud658 \uae30\uac04\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>\uc6b0\ub9ac\uc740\ud589\uc5d0\uc11c\ub294 \ub514\ub524\ub3cc\ub300\ucd9c\uc758 \uae08\ub9ac\ub97c \uace0\uac1d\uc758 \uc2e0\uc6a9\ub4f1\uae09, \ub2f4\ubcf4 \uac00\uce58 \ub4f1\uc744 \uc885\ud569\uc801\uc73c\ub85c \uace0\ub824\ud558\uc5ec \ucc45\uc815\ud569\ub2c8\ub2e4. \ub610\ud55c \uc6d0\ud558\ub294 \ub9cc\ud07c \ucd94\uac00 \ub300\ucd9c\uc774 \uac00\ub2a5\ud558\uba70, \uc77c\uc2dc\uc0c1\ud658 \ubc0f \uc6d0\uae08\uade0\ub4f1\uc0c1\ud658 \ubc29\uc2dd \uc911 \uc120\ud0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>\uc77c\uc2dc\uc0c1\ud658 \ubc29\uc2dd\uc740 \ub9d0\uadf8\ub798\ub3c4 \uc804\uc561 \uc77c\uc2dc \uc0c1\ud658\ud558\ub294 \uac83\uc774\uba70, \uc6d0\uae08\uade0\ub4f1\uc0c1\ud658 \ubc29\uc2dd\uc740 \ub9e4\uc6d4 \uc77c\uc815\ud55c \uae08\uc561\uc529 \uc6d0\uae08\uacfc \uc774\uc790\ub97c \uade0\ub4f1\ud558\uac8c \uac1a\ub294 \uac83\uc785\ub2c8\ub2e4. \uc5b4\ub5a4 \ubc29\ubc95\uc744 \uc120\ud0dd\ud560\uc9c0\ub294 \uace0\uac1d\uc758 \uac1c\uc778\uc801\uc778 \uc0c1\ud669\uc5d0 \ub530\ub77c \ub2e4\ub985\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>\uc6b0\ub9ac\uc740\ud589\uc5d0\uc11c\ub294 \ucd5c\uc800 1\uc5b5\uc6d0\ubd80\ud130 \ucd5c\uace0 1\uc870\uc6d0\uae4c\uc9c0 \ub2e4\uc591\ud55c \uae08\uc561\uc758 \ub300\ucd9c\uc744 \uc81c\uacf5\ud558\uace0 \uc788\uc73c\uba70, \uc2ec\uc0ac \uae30\uc900\ub3c4 \ub300\ucd9c\uae09\uc5ec\ube44\uc728(LTV), \ub300\ucd9c\uc0c1\ud658\ube44\uc728(DSR) \ub4f1\uc744 \uace0\ub824\ud558\uc5ec \ud569\ub9ac\uc801\uc778 \ub300\ucd9c \uc0c1\ud488\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \ub530\ub77c\uc11c \ub514\ub524\ub3cc\ub300\ucd9c\uc744 \uace0\ubbfc \uc911\uc774\uc2dc\ub77c\uba74, \uc6b0\ub9ac\uc740\ud589\uc758 \uae08\ub9ac\uc640 \uc0c1\ud658 \ubc29\uc2dd\uc5d0 \ub300\ud574 \uc790\uc138\ud788 \uc54c\uc544\ubcf4\uc2dc\uae38 \uad8c\uc7a5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4. \ubbf8\ud63c \uc2e0\ud63c\ubd80\ubd80\ub97c \uc704\ud55c \ub0b4\uc9d1\ub9c8\ub828 \ub514\ub524\ub3cc \ub300\ucd9c \uc870\uac74<\/h2>\n\n\n\n<p>\uc6b0\ub9ac\uc740\ud589\uc5d0\uc11c\ub294 \ubbf8\ud63c \uc2e0\ud63c\ubd80\ubd80\ub97c \ub300\uc0c1\uc73c\ub85c \ud55c \ub0b4\uc9d1\ub9c8\ub828 \ub514\ub524\ub3cc \ub300\ucd9c \uc870\uac74\uc744 \uc81c\uacf5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \ub300\ucd9c \uc0c1\ud488\uc740 \ud63c\uc778\uc2e0\uace0\uc77c\ub85c\ubd80\ud130 2\ub144 \uc774\ub0b4\uc778 \ubbf8\ud63c \ubc0f \uc2e0\ud63c\ubd80\ubd80\uc5d0\uac8c \uc81c\uacf5\ub418\uba70, \ucd5c\ub300 1\uc5b5 \uc6d0\uae4c\uc9c0 \ub300\ucd9c\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4. \uc0c1\ud658 \uae30\uac04\ub3c4 \ucd5c\ub300 25\ub144\uae4c\uc9c0 \uac00\ub2a5\ud558\uba70, \ub098\uc774\uac00 \ub9cc 19\uc138 \uc774\uc0c1\uc778 \uc131\uc778\ub9cc \uc2e0\uccad\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4. \ucd94\uac00\uc801\uc73c\ub85c \ubd80\ubaa8\ub2d8\uc758 \ub3d9\uc758\uc11c\uac00 \ud544\uc694\ud558\uace0, \uc8fc\ud0dd \ub2f4\ubcf4\uc81c\uacf5\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uc6b0\ub9ac\uc740\ud589 \ub0b4\uc9d1\ub9c8\ub828 \ub514\ub524\ub3cc \ub300\ucd9c \uc870\uac74\uc744 \ucda9\uc871\ud55c\ub2e4\uba74, \uafc8\uc5d0 \uadf8\ub9ac\ub358 \uc9d1\uc744 \uc190\uc27d\uac8c \ub9c8\ub828\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">5. \uc0dd\uc560\ucd5c\ucd08 \ub514\ub524\ub3cc\ub300\ucd9c\uacfc \uc5f0\uacc4\ub41c \ud61c\ud0dd\ub4e4<\/h2>\n\n\n\n<p>\uc6b0\ub9ac\uc740\ud589 \ub514\ub524\ub3cc\ub300\ucd9c\uc740 \uc0dd\uc560\ucd5c\ucd08 \uc8fc\ud0dd\uad6c\uc785\uc790\ub97c \ub300\uc0c1\uc73c\ub85c\ud55c \ub300\ucd9c\uc0c1\ud488\uc785\ub2c8\ub2e4. \uc774 \ub300\ucd9c\uc0c1\ud488\uc744 \uc774\uc6a9\ud558\uba74 \ub2e4\uc591\ud55c \ud61c\ud0dd\ub4e4\uc744 \ub204\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uadf8 \uc911\uc5d0\uc11c\ub3c4 \uc0dd\uc560\ucd5c\ucd08 \ub514\ub524\ub3cc\ub300\ucd9c\uacfc \uc5f0\uacc4\ub41c \ud61c\ud0dd\ub4e4\uc5d0\ub294 \ub2e4\uc74c\uacfc \uac19\uc740 \uac83\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>1. \uae08\ub9ac\uc6b0\ub300: \ub514\ub524\ub3cc\ub300\ucd9c\uacfc \uc5f0\uacc4\ud558\uba74 \ucd5c\uc800\uae08\ub9ac\uc640 \uc6b0\ub300\uae08\ub9ac \uc801\uc6a9 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>2. \uc6d0\ub9ac\uae08\uade0\ub4f1\ubd84\ud560\uc0c1\ud658: \uc6d0\uae08 \uc0c1\ud658 \ubc29\uc2dd \uc911 \ud558\ub098\ub85c, \ub9e4\uc6d4 \uc77c\uc815\ud55c \uae08\uc561\uc758 \uc6d0\ub9ac\uae09\uc5ec\uc640 \uc0c1\ud658\uc6d0\uae09\uc5ec\ub97c \ubd84\ud560\ud558\uc5ec \uac1a\ub294 \ubc29\uc2dd\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>3. \uc790\ub3d9\uc774\uccb4\ud560\uc778: \ub9e4\uc6d4 \uc790\ub3d9\uc73c\ub85c \ub300\ucd9c \uc0c1\ud658 \uae08\uc561\uc744 \ub0a9\ubd80\ud558\uba74 \ud560\uc778\ub41c \uc774\uc790\uc728\uc774 \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>4. \uc2e0\ud63c\ubd80\ubd80 \uc804\uc138\ubcf4\uc99d\ubcf4\ud5d8\ub8cc \uba74\uc81c: \uc2e0\ud63c\ubd80\ubd80\uac00 \uc804\uc138\uc784\ub300\ucc28 \uacc4\uc57d \uc2dc \uc804\uc138\ubcf4\uc99d\ubcf4\ud5d8\ub8cc\uac00 \uba74\uc81c\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>5. \uccad\ub144\uc218\ub2f9 \uc9c0\uc6d0: \uccad\ub144\uace0\uac1d\uc5d0 \ud55c\ud574 \ud2b9\ubcc4\uc9c0\uc6d0\uc73c\ub85c \uc778\uc13c\ud2f0\ube0c\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>\ub514\ub524\ub3cc\ub300\ucd9c\uc758 \uc870\uac74 \ubc0f \ud61c\ud0dd \ub4f1\uc5d0 \uad00\ud574\uc11c\ub294 \uc6b0\ub9ac\uc740\ud589 \uacf5\uc2dd \ud648\ud398\uc774\uc9c0\ub97c \ucc38\uace0\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n\n\n","protected":false},"excerpt":{"rendered":"<p>1. \uc6b0\ub9ac\uc740\ud589 \ub514\ub524\ub3cc\ub300\ucd9c\uc774\ub780? \uc6b0\ub9ac\uc740\ud589 \ub514\ub524\ub3cc\ub300\ucd9c\uc740 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uc0c1\ud488\uc758 \ud558\ub098\ub85c, \uc800\uae08\ub9ac\uc640 \ud568\uaed8 \ub300\ucd9c \ud55c\ub3c4\uac00 \ub192\uace0 \uc0c1\ud658 \uae30\uac04\uc774 \uae38\uc5b4\uc11c \ub9ce\uc740 \uc774\ub4e4\uc774 \uc120\ud0dd\ud558\ub294 \ub300\ucd9c\uc0c1\ud488\uc785\ub2c8\ub2e4. \ub514\ub524\ub3cc\ub300\ucd9c\uc758 \ud2b9\uc9d5\uc73c\ub85c\ub294 \uc2e0\uc6a9\ub4f1\uae09\uc5d0 \ub530\ub77c\uc11c \uae08\ub9ac \ucc28\ub4f1 \uc801\uc6a9, \ub300\ucd9c\ud55c\ub3c4\ub294 \ucd5c\ub300 1\uc5b55000\ub9cc\uc6d0\uae4c\uc9c0 \uac00\ub2a5\ud558\uba70, \uac74\uac15\ubcf4\ud5d8\ub8cc \ub4f1 \uace0\uc815\ube44\uc6a9\uc744 \ud3ec\ud568\ud558\uc5ec \uc6d4 5\ub9cc\uc6d0 \ubbf8\ub9cc\uc73c\ub85c \ub0ae\uc544\uc9c4 \uc0c1\ud658\ubd80\ub2f4&#8230; 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