{"id":2936,"date":"2023-01-06T06:54:29","date_gmt":"2023-01-06T06:54:29","guid":{"rendered":"https:\/\/etaloans.com\/?p=2936"},"modified":"2023-01-06T06:54:33","modified_gmt":"2023-01-06T06:54:33","slug":"2023%eb%85%84-%ec%86%8c%ec%83%81%ea%b3%b5%ec%9d%b8-%ec%a0%95%ec%b1%85%ec%9e%90%ea%b8%88-%eb%8c%80%eb%a6%ac-%eb%8c%80%ec%b6%9c-%ec%8b%a0%ec%b2%ad","status":"publish","type":"post","link":"https:\/\/etaloans.com\/2023%eb%85%84-%ec%86%8c%ec%83%81%ea%b3%b5%ec%9d%b8-%ec%a0%95%ec%b1%85%ec%9e%90%ea%b8%88-%eb%8c%80%eb%a6%ac-%eb%8c%80%ec%b6%9c-%ec%8b%a0%ec%b2%ad\/","title":{"rendered":"2023\ub144 \uc18c\uc0c1\uacf5\uc778 \uc815\ucc45\uc790\uae08 \ub300\ub9ac \ub300\ucd9c \uc2e0\uccad \uae08\ub9ac"},"content":{"rendered":"\n<center>\n<script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-4840105377387446\"\n     crossorigin=\"anonymous\"><\/script>\n<!-- \ucd5c\uc0c1\ub2e8 -->\n<ins class=\"adsbygoogle\"\n     style=\"display:block\"\n     data-ad-client=\"ca-pub-4840105377387446\"\n     data-ad-slot=\"3778168149\"\n     data-ad-format=\"auto\"\n     data-full-width-responsive=\"true\"><\/ins>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script>\n<\/center>\n\n\n\n<p>\ucf54\ub85c\ub098 \ubc14\uc774\ub7ec\uc2a4\ub85c \uc778\ud574\uc11c \ub9ce\uc740 \uc790\uc601\uc5c5\uc790 \uc18c\uc0c1\uacf5\uc778\ubd84\ub4e4\uc774 \uc5ec\uc804\ud788 \ud798\ub4e0 \uc2dc\uac04\uc744 \ubcf4\ub0b4\uace0 \uc788\ub294 \uac00\uc6b4\ub370 \uc815\ubd80\uc5d0\uc11c \uc9c0\uc6d0\ud558\uace0 \uc788\ub294 2023\ub144 \uc18c\uc0c1\uacf5\uc778 \uc815\ucc45\uc790\uae08 \ub300\ub9ac \ubc0f \uc9c1\uc811 \ub300\ucd9c\uc774 \uc18c\uc0c1\uacf5\uc778 \ubd84\ub4e4\uc5d0\uac8c \uc9c0\uc6d0 \ub420 \uc608\uc815\uc785\ub2c8\ub2e4. <\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860-\ub300\ucd9c-\uc790\uaca9-\uc2e0\uccad wp-block-embed-\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860-\ub300\ucd9c-\uc790\uaca9-\uc2e0\uccad\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"ZmK0VEzX8O\"><a href=\"https:\/\/etaloans.com\/%ec%a4%91%ea%b8%b0%eb%b6%80-%ec%a0%95%ec%b1%85%ec%9e%90%ea%b8%88-%ec%8b%a0%ec%b2%ad-%eb%b0%a9%eb%b2%95\/\">\uc911\uae30\ubd80 \uc815\ucc45\uc790\uae08 \ub300\ucd9c \uc2e0\uccad \ubc0f \uc870\uac74<\/a><\/blockquote><iframe class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;\uc911\uae30\ubd80 \uc815\ucc45\uc790\uae08 \ub300\ucd9c \uc2e0\uccad \ubc0f \uc870\uac74&#8221; &#8212; \ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \ub300\ucd9c \uc790\uaca9 \uc2e0\uccad\" src=\"https:\/\/etaloans.com\/%ec%a4%91%ea%b8%b0%eb%b6%80-%ec%a0%95%ec%b1%85%ec%9e%90%ea%b8%88-%ec%8b%a0%ec%b2%ad-%eb%b0%a9%eb%b2%95\/embed\/#?secret=6vCWxKY406#?secret=ZmK0VEzX8O\" data-secret=\"ZmK0VEzX8O\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n\n\n\n\n\n<h2 class=\"wp-block-heading\">\uc18c\uc0c1\uacf5\uc778 \uc815\ucc45\uc790\uae08\uc774\ub780?<\/h2>\n\n\n\n<p>\uc18c\uc0c1\uacf5\uc778 \uc815\ucc45\uc790\uae08\uc740 \uc18c\uc0c1\uacf5\uc778 \uc2dc\uc7a5 \uc9c4\ud765 \uacf5\ub2e8\uc5d0\uc11c \uc9c1\uc811 \uc9c0\uc6d0\ud558\uace0 \uc788\ub294 \uc81c\ub3c4\uc785\ub2c8\ub2e4. \ubaa9\uc801\uacfc \uc0c1\ud669\uc5d0 \ub530\ub77c\uc11c \uc2e0\uccad\uc774 \uac00\ub2a5\ud558\uba70, \uc77c\uc815 \uc870\uac74\uacfc \uc790\uaca9\ub9cc \uac16\ucd94\uace0 \uacc4\uc2dc\ub2e4\uba74, \uc2e0\uccad\ud560 \uc218 \uc788\uae30 \ub54c\ubb38\uc5d0 \uc815\ubd80 \uc9c0\uc6d0 \uc81c\ub3c4\uc774\ub2c8 \ub9cc\ud07c \ub2e4\uc591\ud55c \ubd80\ubd84\uc5d0\uc11c \ud65c\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" loading=\"lazy\" width=\"938\" height=\"234\" src=\"https:\/\/etaloans.com\/wp-content\/uploads\/2023\/01\/\uc774\ubbf8\uc9c0-288.png\" alt=\"\uc18c\uc0c1\uacf5\uc778 \uc815\ucc45\uc790\uae08 \ub300\ucd9c\uc2e0\uccad\" class=\"wp-image-2940\" srcset=\"https:\/\/etaloans.com\/wp-content\/uploads\/2023\/01\/\uc774\ubbf8\uc9c0-288.png 938w, https:\/\/etaloans.com\/wp-content\/uploads\/2023\/01\/\uc774\ubbf8\uc9c0-288-300x75.png 300w, https:\/\/etaloans.com\/wp-content\/uploads\/2023\/01\/\uc774\ubbf8\uc9c0-288-768x192.png 768w\" sizes=\"(max-width: 938px) 100vw, 938px\" \/><\/figure><\/div>\n\n\n<h3 class=\"wp-block-heading\">\uc811\uc218 \uae30\uac04<\/h3>\n\n\n\n<ul>\n<li>23\ub144 1\uc6d4 2\uc77c~ 23\ub144 3\uc6d4 31\uc77c(\uae08)<\/li>\n\n\n\n<li>\uc608\uc0b0 \uc18c\uc9c4\uc2dc \uc790\uae08\ubcc4 \uc870\uae30\ub9c8\uac10<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">2023\ub144 \uc18c\uc0c1\uacf5\uc778 \uc815\ucc45\uc790\uae08 \uc870\uac74<\/h2>\n\n\n\n<center>\n<script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-4840105377387446\"\n     crossorigin=\"anonymous\"><\/script>\n<!-- \uc0c1\ub2e81 300*250 -->\n<ins class=\"adsbygoogle\"\n     style=\"display:inline-block;width:300px;height:250px\"\n     data-ad-client=\"ca-pub-4840105377387446\"\n     data-ad-slot=\"2321616244\"><\/ins>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script>\n<\/center>\n\n\n\n<ul>\n<li>\uc5f0\ud3c9\uade0 \ub9e4\ucd9c\uc561\uacfc \uc0c1\uc2dc\uadfc\ub85c\uc790\uc218 \ub9cc\uc871\ud558\ub294 \uc790<\/li>\n\n\n\n<li>\uc0ac\uc5c5\uc790\ub4f1\ub85d\uc99d \uc18c\uc9c0\ud55c \uc601\uc5c5 \uc911\uc778 \uac1c\uc778 \ub610\ub294 \ubc95\uc778 \uc0ac\uc5c5\uc790<\/li>\n\n\n\n<li>\uc815\ucc45\uc790\uae08 \uc9c0\uc6d0\uc81c\uc678 \uc5c5\uc885\uc774\uc678\uc758 \uc0ac\uc5c5 \uc18c\uc0c1\uacf5\uc778<\/li>\n\n\n\n<li>\ube44\uc601\ub9ac \uac1c\uc778\uc0ac\uc5c5\uc790, \ubc95\uc778 \ub2e8\uccb4 \uc870\ud569\uc774 \uc544\ub2cc \uacbd\uc6b0<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\uc18c\uc0c1\uacf5\uc778 \uc815\ucc45\uc790\uae08 \uc81c\uc678 \ub300\uc0c1<\/h3>\n\n\n\n<p> \ub3c4\ubc15 \uae30\uacc4 \ubc0f \uc0ac\ud589\uc131, \ubd88\uac74\uc804 \uc624\ub77d \uae30\uad6c \uc81c\uc870\uc5c5, \ub2f4\ubc30 \uc911\uac1c\uc5c5, \uc131\uc778 \uc6a9\ud488 \ud310\ub9e4\uc810, \ub2e4\ub2e8\uacc4 \ubc29\ubb38 \ud310\ub9e4\uc5c5, \uc77c\ubc18 \uc720\ud765 \uc8fc\uc810\uc5c5, \ubd80\ub3d9\uc0b0 \uc5c5 \ub4f1\uc740 \uc81c\uc678\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2023\ub144 \uc18c\uc0c1\uacf5\uc778 \uc815\ucc45\uc790\uae08 \uc885\ub958 \ubc0f \uae08\ub9ac<\/h2>\n\n\n\n<ul>\n<li>\uc77c\ubc18\uc790\uae08 (\uc5c5\ub825 3\ub144 \ubbf8\ub9cc \uc18c\uc0c1\uacf5\uc778) > \ud55c\ub3c4 7\ucc9c\ub9cc\uc6d0, \uae08\ub9ac \uae30\uc900\uae08\ub9ac + 0.6%\n<ul><\/ul>\n<\/li>\n\n\n\n<li>\uc131\uc7a5\ucd09\uc9c4\uc790\uae08 (\uc5c5\ub825 3\ub144 \uc774\uc0c1 \uc18c\uc0c1\uc778) > \ud55c\ub3c4 1\uc5b5\uc6d0, \uae08\ub9ac \uae30\uc900 + 0.4%<\/li>\n\n\n\n<li>\uc7a5\uc560\uc778\uae30\uc5c5\uc9c0\uc6d0\uc790\uae08 > \ud55c\ub3c4 1\uc5b5\uc6d0, \uae08\ub9ac 2.0%<\/li>\n\n\n\n<li>\uc704\uae30\uc9c0\uc5ed\uc9c0\uc6d0\uc790\uae08 (\uace0\uc6a9\uc704\uae30, \uc0b0\uc5c5\uc704\uae30\ub300\uc751\ud2b9\ubcc4\uc9c0\uc5ed, \uc870\uc120\uc0ac \uc18c\uc7ac\uc9c0\uc5ed \uc18c\uc0c1\uacf5\uc778) \ud55c\ub3c4 7\ub9cc\uc6d0, \uae08\ub9ac 2.0%<\/li>\n\n\n\n<li>\uae34\uae09\uacbd\uc601\uc548\uc815\uc790\uae08(\uc7ac\ud574, \uc7ac\ub09c \uc9c1,\uac04\uc811\ud53c\ud574\ub85c \uc7ac\ud574\ud655\uc778\uc99d \ubc1c\uae09\ubc1b\uc740 \uc18c\uc0c1\uacf5\uc778) \ud55c\ub3c4 7\ucc9c\ub9cc\uc6d0, \uae08\ub9ac 2.0%<\/li>\n\n\n\n<li>\uccad\ub144\uace0\uc6a9\uc5f0\uacc4\uc790\uae08 (\uc5c5\ub825 3\ub144 \ubbf8\ub9cc \uccad\ub144\ub300\ud45c) \ud55c\ub3c4 7\ucc9c\ub9cc\uc6d0, \uae08\ub9ac 2.0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">2023\ub144 \uc18c\uc0c1\uacf5\uc778 \uc815\ucc45\uc790\uae08 \uc2e0\uccad<\/h2>\n\n\n\n<center>\n<script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-4840105377387446\"\n     crossorigin=\"anonymous\"><\/script>\n<!-- \uc0c1\ub2e81 300*250 -->\n<ins class=\"adsbygoogle\"\n     style=\"display:inline-block;width:300px;height:250px\"\n     data-ad-client=\"ca-pub-4840105377387446\"\n     data-ad-slot=\"2321616244\"><\/ins>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script>\n<\/center>\n\n\n\n<p>\ube44\ub300\uba74 \uc628\ub77c\uc778 \uc2e0\uccad\uc774 \uc6d0\uce59\uc774\uba70 \uc18c\uc0c1\uacf5\uc778 \uc815\ucc45\uc790\uae08 \uc0ac\uc774\ud2b8\uc5d0\uc11c \uc2e0\uccad \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" loading=\"lazy\" width=\"554\" height=\"166\" src=\"https:\/\/etaloans.com\/wp-content\/uploads\/2023\/01\/\uc774\ubbf8\uc9c0-286.png\" alt=\"2023\ub144 \uc18c\uc0c1\uacf5\uc778 \uc815\ucc45\uc790\uae08 \uc2e0\uccad \uc808\ucc28\" class=\"wp-image-2938\" srcset=\"https:\/\/etaloans.com\/wp-content\/uploads\/2023\/01\/\uc774\ubbf8\uc9c0-286.png 554w, https:\/\/etaloans.com\/wp-content\/uploads\/2023\/01\/\uc774\ubbf8\uc9c0-286-300x90.png 300w\" sizes=\"(max-width: 554px) 100vw, 554px\" \/><\/figure><\/div>\n\n\n<ul>\n<li><a href=\"https:\/\/ols.sbiz.or.kr\/\">\uc18c\uc0c1\uacf5\uc778\uc815\ucc45\uc790\uae08 \uc0ac\uc774\ud2b8<\/a> \uc811\uc18d<\/li>\n\n\n\n<li>\ub300\ucd9c\uc2e0\uccad<\/li>\n\n\n\n<li>\ub300\ub9ac\ub300\ucd9c\uc2e0\uccad<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/etaloans.com\/%ec%a4%91%ea%b8%b0%eb%b6%80-%ec%a0%95%ec%b1%85%ec%9e%90%ea%b8%88-%ec%8b%a0%ec%b2%ad-%eb%b0%a9%eb%b2%95\/\"><strong>\uc911\uae30\ubd80 \uc815\ucc45\uc790\uae08 \ub300\ucd9c \uc2e0\uccad<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc624\ud504\ub77c\uc778 \uc2e0\uccad<\/h3>\n\n\n\n<ul>\n<li>\ub18d\ud611\uc740\ud589, \uc6b0\ub9ac\uc740\ud589, \uc2e0\ud55c\uc740\ud589, \ud558\ub098\uc740\ud589 \ucda9\uc815\uc9c0\uc5ed, \uc0b0\ub9bc\uc870\ud569\uc911\uc559\ud68c \uac01 \uc601\uc5c5\uc810 \ubc29\ubb38\ud558\uc5ec \uc2e0\uccad \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\uc18c\uc0c1\uacf5\uc778 \uc815\ucc45\uc790\uae08 \uc2e0\uccad\uc11c\ub958<\/h2>\n\n\n\n<ul>\n<li>\uc2e0\ubd84\uc99d, \uc0ac\uc5c5\uc790\ub4f1\ub85d\uc99d, \uc0c1\uc2dc\uadfc\ub85c\uc790 \ud655\uc778, \ub9e4\ucd9c\uc561 \ud655\uc778(\uc5f0\ub9e4\ucd9c\uc561 \ud655\uc778 \uc11c\ub9581\ubd80) \ud45c\uc900\uc7ac\ubb34\uc81c\ud45c\uc99d\uba85, \ubd80\uac00\uac00\uce58\uc138\uacfc\uc138\ud45c\uc900\uc99d\uba85 \uc911 \ud0dd 1<\/li>\n\n\n\n<li>\uc6b0\ub300\uc870\uac74 \ud574\ub2f9\uc2dc \ud48d\uc218\ud574 \ubcf4\ud5d8 \uac00\uc785 \uc99d\uad8c \uc0ac\ubcf8, \uc81c\ub85c\ud398\uc774 \uac00\ub9f9\ud655\uc778, \uc5ec\uc131\uae30\uc5c5\ud655\uc778\uc11c, \uacf5\ub2e8 \uc9c1\uc811\ub300\ucd9c \uc131\uc2e4\uc0c1\ud658 \uc18c\uc0c1\uacf5\uc774, \uc18c\uc0c1\uacf5\uc778\uc5ed\ub7c9\uac15\ud654 \ucee8\uc124\ud305 \uc218\uc9c4\uc5c5\uccb4 \uc911 \ud0dd 1<\/li>\n<\/ul>\n\n\n\n<p>\uc18c\uc0c1\uacf5\uc778 \uc815\ucc45\uc790\uae08 \ub300\ub9ac \ub300\ucd9c \uc2e0\uccad\ud558\uc2dc\uace0 \uc5b4\ub824\uc6b4 \uc2dc\uae30\uc5d0 \ucd5c\ub300\ud55c \uc911\uae30\ubd80 \uc18c\uc0c1\uacf5\uc778 \uc815\ucc45\uc790\uae08 \ubc1b\uc544\ubcf4\uc2dc\uae38 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-2 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/etaloans.com\/%ed%8a%b9%eb%a1%80%eb%b3%b4%ea%b8%88%ec%9e%90%eb%a6%ac%eb%a1%a0-%ec%9e%90%ea%b2%a9-%ea%b8%88%eb%a6%ac-%ec%8b%a0%ec%b2%ad\/\"><strong>\ud2b9\ub840\ubcf4\uae08\uc790\ub9ac\ub860 \uc790\uaca9 \uc2e0\uccad \uc870\ud68c<\/strong><\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\ucf54\ub85c\ub098 \ubc14\uc774\ub7ec\uc2a4\ub85c \uc778\ud574\uc11c \ub9ce\uc740 \uc790\uc601\uc5c5\uc790 \uc18c\uc0c1\uacf5\uc778\ubd84\ub4e4\uc774 \uc5ec\uc804\ud788 \ud798\ub4e0 \uc2dc\uac04\uc744 \ubcf4\ub0b4\uace0 \uc788\ub294 \uac00\uc6b4\ub370 \uc815\ubd80\uc5d0\uc11c \uc9c0\uc6d0\ud558\uace0 \uc788\ub294 2023\ub144 \uc18c\uc0c1\uacf5\uc778 \uc815\ucc45\uc790\uae08 \ub300\ub9ac \ubc0f \uc9c1\uc811 \ub300\ucd9c\uc774 \uc18c\uc0c1\uacf5\uc778 \ubd84\ub4e4\uc5d0\uac8c \uc9c0\uc6d0 \ub420 \uc608\uc815\uc785\ub2c8\ub2e4. \uc18c\uc0c1\uacf5\uc778 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