{"id":1769,"date":"2026-08-18T10:30:16","date_gmt":"2026-08-18T01:30:16","guid":{"rendered":"https:\/\/mmstory.co.kr\/?p=1769"},"modified":"2026-08-18T10:30:16","modified_gmt":"2026-08-18T01:30:16","slug":"%ec%88%98%eb%8f%84%ea%b6%8c%ec%97%90-23%eb%a7%8c-%ed%98%b8%ce%b1-%ec%b6%94%ea%b0%80-%ea%b3%b5%ea%b8%89%eb%b6%80%eb%8f%99%ec%82%b0pf-%ec%9e%90%ea%b8%88%ec%a7%80%ec%9b%90-%eb%8a%98%eb%a0%a4","status":"publish","type":"post","link":"https:\/\/mmstory.co.kr\/?p=1769","title":{"rendered":"\uc218\ub3c4\uad8c\uc5d0 23\ub9cc \ud638+\u03b1 \ucd94\uac00 \uacf5\uae09\u2026\ubd80\ub3d9\uc0b0PF \uc790\uae08\uc9c0\uc6d0 \ub298\ub824 \uc18d\ub3c4\uc804"},"content":{"rendered":"\r\n

\uc815\ubd80\uac00 \uc218\ub3c4\uad8c\uc5d0 \uc8fc\ud0dd 23\ub9cc \ud638 \uc774\uc0c1\uc744\u00a0\ucd94\uac00 \uacf5\uae09\ud558\uace0, \ubd80\ub3d9\uc0b0PF \ubcf4\uc99d\uacf5\uae09\uacfc \uc790\uae08\uc9c0\uc6d0\uc744 \ub300\ud3ed \ud655\ub300\ud558\uc5ec\u00a0\uc6d0\ud65c\ud55c \uc0ac\uc5c5\uc9c0\uc6d0 \ubc0f \uc8fc\ud0dd\uacf5\uae09\uc744 \uc9c0\uc6d0\ud55c\ub2e4.

\uccad\ub144\uce35\uc5d0\ub294\u00a0\ubaa8\ub4e0 \uc8fc\uac70\ud615\ud0dc\ub97c \ub9de\ucda4\ud615\uc73c\ub85c \uc9c0\uc6d0\ud558\ub294 ‘\uccad\ub144 \uc8fc\uac70\uc9c0\uc6d0 3\uc885 \uc138\ud2b8’\ub97c \ucd9c\uc2dc\ud558\ub294 \ub4f1 \ud540\uc14b\ud615 \uc9c0\uc6d0\uc744 \uac15\ud654\ud558\uace0, \uc870\uae30 \ucc29\uacf5\ud558\ub294 \uc8fc\ud0dd\uc0ac\uc5c5\uc5d0 \uc138\uc81c\u00b7\uae08\uc735\u00b7\uaddc\uc81c\uc0c1 \ud30c\uaca9\uc801 \uc778\uc13c\ud2f0\ube0c\ub97c \ubd80\uc5ec\ud55c\ub2e4.

\uc815\ubd80\ub294 13\uc77c \uad00\uacc4\ubd80\ucc98\ud569\ub3d9\uc73c\ub85c ‘\uc804\uc6d4\uc138 \ubc0f \ub9e4\ub9e4\uc2dc\uc7a5 \uc548\uc815\uc744 \uc704\ud55c \uc8fc\ud0dd \uc2e0\uc18d\uacf5\uae09 \ubc29\uc548’\uacfc ‘\ubd80\ub3d9\uc0b0 \uc2dc\uc7a5 \uc548\uc815\uc744 \uc704\ud55c \uae08\uc735 \uc885\ud569\ub300\ucc45’\uc744 \ubc1c\ud45c\ud588\ub2e4.
\"\uae40\uc724\ub355

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\u25c6 \uc218\ub3c4\uad8c\uc5d0 23\ub9cc \ud638+\u03b1 \ucd94\uac00 \uacf5\uae09\u2026\uc870\uae30 \ucc29\uacf5 \uc8fc\ud0dd\uc0ac\uc5c5\uc5d0 \ud30c\uaca9\uc801 \uc778\uc13c\ud2f0\ube0c\u00a0

\uc815\ubd80\ub294 2026\ub144\ubd80\ud130 2030\ub144\uae4c\uc9c0 \uc218\ub3c4\uad8c 135\ub9cc \ud638 \ucc29\uacf5\uc744 \ubaa9\ud45c\ub85c \ud55c \uae30\uc874 \uacf5\uae09\uacc4\ud68d(9.7 \ub300\ucc45)\uc758 \uc2e4\ud589\ub825\uc744 \ub192\uc774\ub294 \ub3d9\uc2dc\uc5d0 \uc2e0\uaddc\ud0dd\uc9c0 10\ub9cc \ud638\ub97c \ud3ec\ud568\ud574 \uc218\ub3c4\uad8c\uc5d0 ’23\ub9cc \ud638+\u03b1’\ub97c \ucd94\uac00 \uacf5\uae09\ud558\uae30\ub85c \ud588\ub2e4.

\uacf5\uae09 \uc18d\ub3c4 \uc81c\uace0\ub97c \uc704\ud574 \uacf5\uacf5\ud0dd\uc9c0 \ubc1c\ud45c \ud6c4 37\uac1c\uc6d4 \ub0b4 \ucd5c\ub2e8\uae30 \ucc29\uacf5 \ubaa8\ub378\uc744 \uad6c\ucd95\ud55c\ub2e4. \uc9c0\ub09c 1\uc6d4 29\uc77c \ubc1c\ud45c\ud55c \ub300\ucc45 \ubd80\uc9c0 \uc911 \uacfc\ucc9c\u00b7\ud0dc\ub989\uc740 2029\ub144, \ub098\uba38\uc9c0 \ubd80\uc9c0\ub4e4\ub3c4 2030\ub144 \ub0b4 \ucc29\uacf5\ud560 \uacc4\ud68d\uc774\uba70 \uc870\uae30 \ucc29\uacf5\ud558\ub294 \uc8fc\ud0dd\uc0ac\uc5c5\uc5d0 \ub300\ud55c \uc138\uc81c\u00b7\uae08\uc735\u00b7\uaddc\uc81c\uc0c1 \ud30c\uaca9\uc801 \uc778\uc13c\ud2f0\ube0c\ub97c \ubd80\uc5ec\ud558\uc5ec \uacf5\uae09 \uc2dc\ucc28\ub97c \ucd5c\uc18c\ud654\ud55c\ub2e4.



‘\uc7ac\uac1c\ubc1c\u00b7\uc7ac\uac74\ucd95’\uc740 2028\ub144 \uc774\ub0b4 \ucc29\uacf5 \uc2dc \uc784\ub300\uc8fc\ud0dd \uc778\uc218\uac00\uaca9\uc744 \uc0c1\ud56d\ud558\uace0 \uc7ac\uac1c\ubc1c\uc0ac\uc5c5 \uc2dc\ud589\uc790\uac00 \ud604\uae08\uccad\uc0b0\uc790\ub85c\ubd80\ud130 \ucde8\ub4dd\ud558\ub294 \ubd80\ub3d9\uc0b0\uc744 2\ub144 \ub0b4 \ucc29\uacf5 \uc2dc 2027\ub144\uae4c\uc9c0\ub294 \ucde8\ub4dd\uc138 \uba74\uc81c, 2028\ub144\ubd80\ud130\ub294 75% \uac10\uba74\ud55c\ub2e4.\u00a0

‘\ub9e4\uc785\uc784\ub300’\ub294 \uac74\uc124\uc0ac\uc5c5\uc790\uc758 \ud1a0\uc9c0\u00b7\uac74\ubb3c \ucde8\ub4dd\uc138\ub97c 2027\ub144\uae4c\uc9c0 70%, 2028\ub144 50% \uac10\uba74\ud55c\ub2e4. ‘\uc77c\ubc18\uc0ac\uc5c5’\uc758 \uacbd\uc6b0 \uc11c\uc6b8\u00b7\uacbd\uae30\uc5d0\uc11c 2027\ub144 \ub0b4 \ucc29\uacf5\uc2dc PF \ub300\ucd9c\uc774\uc790\ub97c 1%p, 2028\ub144 \ub0b4 \ucc29\uacf5\uc2dc 0.5%p \ubcf4\uc870\ud55c\ub2e4.



\ub610\ud55c \uc218\ub3c4\uad8c \uc8fc\ud0dd\uacf5\uae09\uc758 80% \uc774\uc0c1\uc744 \ucc28\uc9c0\ud558\ub294 \ubbfc\uac04 \ubd80\ubb38\uc758 \uacf5\uae09 \ud68c\ubcf5\uc744 \uc704\ud574 \uc774\uc8fc\ube44 \ub300\ucd9c LTV(\uc8fc\ud0dd \ub2f4\ubcf4\uc778\uc815\ube44\uc728)\ub294 \uc885\uc804\uc790\uc0b0\ud3c9\uac00\uc561\uacfc \uc885\ud6c4\uc790\uc0b0\ud3c9\uac00\uc561 \uac00\uc6b4\ub370 \ud070 \uae08\uc561\uc744 \uae30\uc900\uc73c\ub85c \uc0b0\uc815\ud55c\ub2e4.\u00a0

\uc7ac\uac1c\ubc1c\uc870\ud569 \uc124\ub9bd \ub3d9\uc758\uc728\ub3c4 \ud604\ud589 75%\uc5d0\uc11c 70%\ub85c \uc644\ud654\ud55c\ub2e4.\u00a0\uc815\ube44\uc0ac\uc5c5 \ud65c\uc131\ud654\uc640 \ud568\uaed8 \ub2e4\uc138\ub300\u00b7\ub2e4\uac00\uad6c \ub4f1 \uc77c\ubc18\uc8fc\ud0dd \uacf5\uae09 \ud655\ub300\ub97c \uc704\ud574 \uac74\ucd95\uaddc\uc81c \uc644\ud654, \uc138\uc81c \ud2b9\ub840 \ubd80\uc5ec\ub97c \ucd94\uc9c4\ud55c\ub2e4.

\uc544\uc6b8\ub7ec \uacf5\uacf5\ubd84\uc591 \ubb3c\ub7c9\uc758 \uc57d 15%\ub97c \uc9c0\ubd84\uc801\ub9bd\ud615\u00b7\uc218\uc775\uacf5\uc720\ud615\uc73c\ub85c \uacf5\uae09\ud558\uace0 \ubcf4\ud3b8\ud615 \uacf5\uacf5\uc784\ub300\uc8fc\ud0dd \uc720\ud615 \uc2e0\uc124, 20\ub144 \uc774\uc0c1 \uc7a5\uae30 \uc6b4\uc601 \uacf5\uacf5\uc9c0\uc6d0\ubbfc\uac04\uc784\ub300 \ubaa8\ub378 \ub3c4\uc785, \uccad\ub144 \ubcf4\ud3b8\ud615 \uc804\uc138\uc784\ub300 \uc81c\ub3c4 \uc2e0\uc124 \ub4f1\uc744 \ud1b5\ud574 \uccad\ub144\u00b7\uc2e0\ud63c\ubd80\ubd80 \ub4f1\uc758 \uc8fc\uac70 \uc0ac\ub2e4\ub9ac\ub97c \uac15\ud654\ud55c\ub2e4.
\"\uacbd\uae30\ub3c4

\uacbd\uae30\ub3c4 \uacfc\ucc9c\uc2dc \uacbd\ub9c8\uc7a5(\ub81b\uce20\ub7f0\ud30c\ud06c) \ubd80\uc9c0\uc640 \uc778\uadfc \uc544\ud30c\ud2b8\uc758 \ubaa8\uc2b5. 2026.8.13 (\uc0ac\uc9c4=\uc800\uc791\uad8c\uc790(c) \uc5f0\ud569\ub274\uc2a4, \ubb34\ub2e8 \uc804\uc7ac-\uc7ac\ubc30\ud3ec \uae08\uc9c0)
\u25c6 \ubd80\ub3d9\uc0b0 PF\uc5d0 47.8\uc870+\u03b1\u2026’\uccad\ub144 \uc8fc\uac70\uc9c0\uc6d0 3\uc885 \uc138\ud2b8’\ub85c \ud540\uc14b\ud615 \uc9c0\uc6d0\uac15\ud654

\uc774\ubc88 \uae08\uc735 \uc885\ud569\ub300\ucc45\uc740 \uc8fc\ud0dd\uacf5\uae09 \ucd09\uc9c4\uc744 \uc704\ud55c \uae08\uc735\uc9c0\uc6d0 \ud655\ub300\uc640 \ud568\uaed8 \uccad\ub144 \ub4f1 \uc2e4\uc218\uc694\uc790 \uc9c0\uc6d0\uc744 \uc704\ud55c \ud540\uc14b\ud615 \uc9c0\uc6d0\uac15\ud654\ub97c \uc704\ud574 \ub9c8\ub828\ub410\ub2e4.

\uc6b0\uc120, \ubd80\ub3d9\uc0b0PF \ubcf4\uc99d\uacf5\uae09\uacfc \uc790\uae08\uc9c0\uc6d0\uc744 \ud604\uc7ac 26\uc870 3000\uc5b5 \uc6d0\uc5d0\uc11c 47\uc870 8000\uc5b5 \uc6d0+\u03b1\ub85c \ub300\ud3ed \ud655\ub300\ud574\u00a0PF\uc0ac\uc5c5\uc7a5\uc758 \uc6d0\ud65c\ud55c \uc0ac\uc5c5\uc9c0\uc6d0 \ubc0f \uc8fc\ud0dd\uacf5\uae09\uc744 \uc9c0\uc6d0\ud55c\ub2e4.

PF\ubcf4\uc99d\uc744 \uc62c\ud574 23\uc870 \uc6d0, \ub0b4\ub144 33\uc870 \uc6d0 \uc9d1\uc911 \uacf5\uae09\ud574 \uc2e0\uc18d\ud55c \ucc29\uacf5\uc744 \ub4b7\ubc1b\uce68\ud558\uace0 \ucea0\ucf54 PF\uc815\uc0c1\ud654\ud380\ub4dc 3\uc870 \uc6d0\uc744 \ub9c8\uc911\ubb3c\ub85c \uc740\ud589\u00b7\ubcf4\ud5d8\uad8c \uc2e0\ub514\ucf00\uc774\ud2b8\ub860 5\uc870 \uc6d0 \ud655\ub300, \uae08\uc735\uc5c5\uad8c \uc790\uccb4\ud380\ub4dc\ub97c 10\uc870 \uc6d0\uc73c\ub85c \ud655\ucda9\ud55c\ub2e4.\u00a0

\uacf5\uc0ac\uc911\ub2e8 \uc0ac\uc5c5\uc7a5\uc5d4 \uc0ac\uc5c5\uc7ac\uac1c\ub97c \uc704\ud55c\u00a0\ub300\uaddc\ubaa8 \uc790\uae08\uc744 \ud22c\uc785\ud558\ub294 \ub4f1 \uc801\uadf9 \uc9c0\uc6d0\ud55c\ub2e4.

\ub610\ud55c \uc815\ube44\uc0ac\uc5c5 \ubcf4\uc99d\uc0c1\ud488 \uc2e0\uc124, \uc774\uc8fc\ube44\ub300\ucd9c LTV\uc0b0\uc815\ubc29\uc2dd \ud569\ub9ac\ud654, \uc8fc\uac70\uc0ac\uc5c5\uc7a5 \uc790\uae30\uc790\ubcf8\ube44\uc728\uaddc\uc81c \ub3c4\uc785 \ud55c\uc2dc \uc720\uc608 \ub4f1 \uc81c\ub3c4\uc801 \ub4b7\ubc1b\uce68\ub3c4 \ubcd1\ud589\ud55c\ub2e4.

\uccad\ub144 \ub4f1 \uc2e4\uc218\uc694\uc790\uc5d0 \ub300\ud574\uc11c\ub294 \uccad\ub144\uc758 \ubaa8\ub4e0 \uc8fc\uac70\ud615\ud0dc\ub97c \ub9de\ucda4\ud615\uc73c\ub85c \uc9c0\uc6d0\ud558\ub294 ‘\uccad\ub144 \uc8fc\uac70\uc9c0\uc6d0 3\uc885 \uc138\ud2b8’\ub97c \ucd9c\uc2dc\ud558\ub294 \ub4f1 \ud540\uc14b\ud615 \uc9c0\uc6d0\uc744 \uac15\ud654\ud55c\ub2e4.

\uc544\uc6b8\ub7ec \uc8fc\ud0dd\uacf5\uae09 \ud655\ub300 \ubc0f \uccad\ub144\u00b7\uc2e4\uc218\uc694\uc790 \uc9c0\uc6d0 \ud544\uc694\uc131 \ub4f1 \ucd5c\uadfc \uc0c1\ud669 \ubcc0\ud654\ub97c \uac10\uc548\ud574 \uc62c\ud574 \uac00\uacc4\ubd80\ucc44 \ucd1d\ub7c9 \uc99d\uac00\uc728\uc740 \ub2f9\ucd08 1.5%\uc5d0\uc11c 3% \uc218\uc900\uc73c\ub85c \ub192\uc5ec \uad00\ub9ac\ud574 \ub098\uac08 \uacc4\ud68d\uc774\ub2e4.

\uae40\uc724\ub355 \uad6d\ud1a0\uad50\ud1b5\ubd80 \uc7a5\uad00\uc740 “\uc8fc\uac70 \uc548\uc815\uc744 \uc704\ud574\uc11c\ub294 \uacf5\uae09 \uae30\ubc18\uc744 \ub2e4\uc2dc \ud2bc\ud2bc\ud558\uac8c \uc138\uc6b0\ub294 \uac83\uc774 \ubb34\uc5c7\ubcf4\ub2e4 \uc911\uc694\ud558\ub2e4\uace0 \ub290\uaf08\uace0, \uadf8\uac04 \uc218\ucc28\ub840 \ud1a0\ub860\ud68c\uc640 \ub300\uad6d\ubbfc \uc758\uacac \uc218\ub834 \ub4f1\uc744 \ud1b5\ud574 \uc774\ubc88 \ub300\ucc45\uc744 \ub9c8\ub828\ud588\ub2e4”\uba70 “\uc8fc\ud0dd\uacf5\uae09 \uc815\uc0c1\ud654\ub97c \uc704\ud574 \uacf5\uacf5\uc774 \ud560 \uc77c\uc740 \ub354\uc6b1 \uc2e0\uc18d\ud788 \ucd94\uc9c4\ud558\uace0, \ubbfc\uac04\uc774 \uc798\ud560 \uc218 \uc788\ub294 \ubd84\uc57c\ub294 \uacfc\uac10\ud788 \uc9c0\uc6d0\ud55c\ub2e4\ub294 \uc6d0\uce59 \uc544\ub798 \uad6d\ubbfc\uc774 \uc6d0\ud558\ub294 \uc8fc\ud0dd\uc744 \uc6d0\ud558\ub294 \uacf3\uc5d0 \ucda9\ubd84\ud788 \uc801\uae30\uc5d0 \uacf5\uae09\ud558\uae30 \uc704\ud574 \ucd5c\uc120\uc744 \ub2e4\ud558\uaca0\ub2e4”\uace0 \uac15\uc870\ud588\ub2e4.

\uc774\uc5b5\uc6d0 \uae08\uc735\uc704\uc6d0\uc7a5\uc740 “\uc774\ubc88 \ub300\ucc45\uc740 \uc8fc\ud0dd\uacf5\uae09 \ucd09\uc9c4\uc744 \uc704\ud55c \uae08\uc735\uc758 \uc5ed\ud560 \uac15\ud654\uc640 \uccad\ub144 \ub4f1 \uc2e4\uc218\uc694\uc790 \uc9c0\uc6d0\uc5d0 \uc911\uc810\uc744 \ub450\uace0 \uc788\ub2e4”\ub77c\uba70 “\ub300\ucc45 \ubc1c\ud45c\ub85c\ub9cc \ub05d\ub098\uc9c0 \uc54a\uace0, \ubcf4\uc99d\uacf5\uae09 \ud655\ub300\uc640 \ub300\uaddc\ubaa8 \ud380\ub4dc\ub97c \ud1b5\ud55c \uc790\uae08\uc9c0\uc6d0\uc774 \uc2e4\uc81c \ucc29\uacf5\uc73c\ub85c \uc774\uc5b4\uc9c0\ub294\uc9c0, \uccad\ub144 \ub4f1 \uc2e4\uc218\uc694\uc790\uc5d0 \uc2e4\uc9c8\uc801 \ub3c4\uc6c0\uc774 \ub418\ub294\uc9c0\ub97c \ub05d\uae4c\uc9c0 \ud655\uc778\ud558\uace0 \ubbf8\ud761\ud560 \uacbd\uc6b0 \uc870\uc18d\ud788 \ubcf4\uc644\ud574 \ub098\uac00\uaca0\ub2e4”\uace0 \uac15\uc870\ud588\ub2e4.

\uc784\uae30\uadfc \uad6d\ubb34\uc870\uc815\uc2e4\uc7a5\uc740 “\uc774\ubc88 \ubd80\ub3d9\uc0b0 \ub300\ucc45\uc758 \ud575\uc2ec\uc740 \uacf5\uae09\uc774\uba70, \uc2e0\uc18d\ud558\uac8c \uc8fc\ud0dd\uc744 \uacf5\uae09\ud558\uace0 \uc2dc\uc7a5\uc758 \uc2e0\ub8b0\ub97c \ud68c\ubcf5\ud558\uae30 \uc704\ud55c \uad00\uac74\uc740 \ub300\ucc45\uc758 \uc2e4\ud589\uc5d0 \uc788\ub2e4”\uba70 “\uc774\ub97c \uc704\ud574 \ub300\ucc45\uc774 \uc18d\ub3c4\uac10 \uc788\uac8c \uc774\ud589\ub420 \uc218 \uc788\ub3c4\ub85d \ubc94\uc815\ubd80 \uc8fc\ud0dd \uc2e0\uc18d\uacf5\uae09 \uc810\uac80\uccb4\uacc4\ub97c \uc989\uc2dc \uac00\ub3d9\ud558\uaca0\ub2e4”\uace0 \ub9d0\ud588\ub2e4.

\uc790\uc138\ud55c \ub0b4\uc6a9\uc740\u00a0\uc8fc\ud0dd \uc2e0\uc18d\uacf5\uae09 \ubc29\uc548 \ubc0f \uae08\uc735\uc885\ud569\ub300\ucc45 \ucca8\ubd80\ud30c\uc77c \ucc38\uc870.

\ubb38\uc758: \uad6d\ud1a0\uad50\ud1b5\ubd80 \uc8fc\ud0dd\uc815\ucc45\uacfc(044-201-3325) \ubd80\ub3d9\uc0b0\uc81c\ub3c4\uae30\ud68d\uacfc(3444) \uc8fc\ud0dd\uacf5\uae09\uc815\ucc45\uacfc(4513) \uacf5\uacf5\ud0dd\uc9c0\uae30\ud68d\uacfc(4514) \uacf5\uacf5\ud0dd\uc9c0\uad00\ub9ac\uacfc(4523) \uc8fc\ud0dd\uc815\ube44\uc815\ucc45\uacfc(3387), \uae08\uc735\uc704\uc6d0\ud68c \uae08\uc735\uc815\ucc45\uacfc(02-2100-2833), \uad6d\ubb34\uc870\uc815\uc2e4 \uc8fc\ud0dd\uc2e0\uc18d\uacf5\uae09\uc810\uac80\ud300(02-2100-2296), \uc7ac\uc815\uacbd\uc81c\ubd80 \ubd80\ub3d9\uc0b0\uc2dc\uc7a5\uacfc(044-215-2771) \uc7ac\uc0b0\uc138\uc81c\uacfc(4312) \uc870\uc138\uac1c\ud601\ucd94\uc9c4\ub2e8 \ucd1d\uad04\uae30\ud68d\ud300(4361)

[\ucd9c\ucc98] \ub300\ud55c\ubbfc\uad6d \uc815\ucc45\ube0c\ub9ac\ud551(www.korea.kr)<\/p>\r\n","protected":false},"excerpt":{"rendered":"

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