{"id":783,"date":"2026-10-12T13:10:25","date_gmt":"2026-10-12T04:10:25","guid":{"rendered":"https:\/\/www.mynamuhbegin.com\/blog\/?p=783"},"modified":"2026-10-12T13:10:25","modified_gmt":"2026-10-12T04:10:25","slug":"%eb%b0%9c%ed%96%89%ec%96%b4%ec%9d%8c-%ec%b4%88%eb%b3%b4%ec%9e%90%eb%a5%bc-%ec%9c%84%ed%95%9c-%eb%b0%9c%ed%96%89%ec%96%b4%ec%9d%8c-%ea%b8%b0%ec%a4%80-%ec%8b%9c%ec%9e%91%eb%b0%a9%eb%b2%95","status":"publish","type":"post","link":"https:\/\/www.mynamuhbegin.com\/blog\/%eb%b0%9c%ed%96%89%ec%96%b4%ec%9d%8c-%ec%b4%88%eb%b3%b4%ec%9e%90%eb%a5%bc-%ec%9c%84%ed%95%9c-%eb%b0%9c%ed%96%89%ec%96%b4%ec%9d%8c-%ea%b8%b0%ec%a4%80-%ec%8b%9c%ec%9e%91%eb%b0%a9%eb%b2%95\/","title":{"rendered":"\ubc1c\ud589\uc5b4\uc74c\uc774\ub780? \ucd08\ubcf4\uc790\ub97c \uc704\ud55c \ubc1c\ud589\uc5b4\uc74c \uace0\ub974\ub294 \uae30\uc900\uacfc \uc2dc\uc791 \ubc29\ubc95"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_1 ez-toc-wrap-center ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"\ubaa9\ucc28 \ud1a0\uae00\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/%eb%b0%9c%ed%96%89%ec%96%b4%ec%9d%8c-%ec%b4%88%eb%b3%b4%ec%9e%90%eb%a5%bc-%ec%9c%84%ed%95%9c-%eb%b0%9c%ed%96%89%ec%96%b4%ec%9d%8c-%ea%b8%b0%ec%a4%80-%ec%8b%9c%ec%9e%91%eb%b0%a9%eb%b2%95\/#1_%EB%B0%9C%ED%96%89%EC%96%B4%EC%9D%8C%EC%9D%B4%EB%9E%80_%EA%B0%9C%EB%85%90_%EC%95%88%EC%A0%84%EC%84%B1_%EC%9E%A5%EB%8B%A8%EC%A0%90%EA%B9%8C%EC%A7%80\" >1. \ubc1c\ud589\uc5b4\uc74c\uc774\ub780? \uac1c\ub150, \uc548\uc804\uc131, \uc7a5\ub2e8\uc810\uae4c\uc9c0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/%eb%b0%9c%ed%96%89%ec%96%b4%ec%9d%8c-%ec%b4%88%eb%b3%b4%ec%9e%90%eb%a5%bc-%ec%9c%84%ed%95%9c-%eb%b0%9c%ed%96%89%ec%96%b4%ec%9d%8c-%ea%b8%b0%ec%a4%80-%ec%8b%9c%ec%9e%91%eb%b0%a9%eb%b2%95\/#1_%EB%B0%9C%ED%96%89%EC%96%B4%EC%9D%8C%EC%9D%B4%EB%9E%80_%EB%AC%B4%EC%97%87%EC%9D%B8%EA%B0%80%EC%9A%94\" >1) \ubc1c\ud589\uc5b4\uc74c\uc774\ub780 \ubb34\uc5c7\uc778\uac00\uc694?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/%eb%b0%9c%ed%96%89%ec%96%b4%ec%9d%8c-%ec%b4%88%eb%b3%b4%ec%9e%90%eb%a5%bc-%ec%9c%84%ed%95%9c-%eb%b0%9c%ed%96%89%ec%96%b4%ec%9d%8c-%ea%b8%b0%ec%a4%80-%ec%8b%9c%ec%9e%91%eb%b0%a9%eb%b2%95\/#2_%EC%A6%9D%EA%B6%8C%EC%82%AC_%EB%B0%9C%ED%96%89%EC%96%B4%EC%9D%8C_%EC%9C%84%ED%97%98%EC%84%B1_%E2%80%93_%EC%98%88%EA%B8%88%EC%9E%90_%EB%B9%84%EB%B3%B4%ED%98%B8_%EB%8C%80%EC%83%81\" >2) \uc99d\uad8c\uc0ac \ubc1c\ud589\uc5b4\uc74c \uc704\ud5d8\uc131? \u2013 \uc608\uae08\uc790 \ube44\ubcf4\ud638 \ub300\uc0c1<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/%eb%b0%9c%ed%96%89%ec%96%b4%ec%9d%8c-%ec%b4%88%eb%b3%b4%ec%9e%90%eb%a5%bc-%ec%9c%84%ed%95%9c-%eb%b0%9c%ed%96%89%ec%96%b4%ec%9d%8c-%ea%b8%b0%ec%a4%80-%ec%8b%9c%ec%9e%91%eb%b0%a9%eb%b2%95\/#3_%EC%9E%A5%EB%8B%A8%EC%A0%90%EC%9D%80_%EB%AC%B4%EC%97%87%EC%9D%B8%EA%B0%80%EC%9A%94\" >3) \uc7a5\ub2e8\uc810\uc740 \ubb34\uc5c7\uc778\uac00\uc694?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/%eb%b0%9c%ed%96%89%ec%96%b4%ec%9d%8c-%ec%b4%88%eb%b3%b4%ec%9e%90%eb%a5%bc-%ec%9c%84%ed%95%9c-%eb%b0%9c%ed%96%89%ec%96%b4%ec%9d%8c-%ea%b8%b0%ec%a4%80-%ec%8b%9c%ec%9e%91%eb%b0%a9%eb%b2%95\/#2_%EC%B4%88%EB%B3%B4%EC%9E%90%EB%A5%BC_%EC%9C%84%ED%95%9C_%EB%B0%9C%ED%96%89%EC%96%B4%EC%9D%8C_%EA%B3%A0%EB%A5%B4%EB%8A%94_%EA%B8%B0%EC%A4%80\" >2. \ucd08\ubcf4\uc790\ub97c \uc704\ud55c \ubc1c\ud589\uc5b4\uc74c \uace0\ub974\ub294 \uae30\uc900<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/%eb%b0%9c%ed%96%89%ec%96%b4%ec%9d%8c-%ec%b4%88%eb%b3%b4%ec%9e%90%eb%a5%bc-%ec%9c%84%ed%95%9c-%eb%b0%9c%ed%96%89%ec%96%b4%ec%9d%8c-%ea%b8%b0%ec%a4%80-%ec%8b%9c%ec%9e%91%eb%b0%a9%eb%b2%95\/#1_%EB%B0%9C%ED%96%89%EC%96%B4%EC%9D%8C%EC%9D%80_%EC%96%B4%EB%96%A4_%EA%B8%B0%EC%A4%80%EC%9C%BC%EB%A1%9C_%EA%B3%A8%EB%9D%BC%EC%95%BC_%ED%95%98%EB%82%98%EC%9A%94\" >1) \ubc1c\ud589\uc5b4\uc74c\uc740 \uc5b4\ub5a4 \uae30\uc900\uc73c\ub85c \uace8\ub77c\uc57c \ud558\ub098\uc694?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/%eb%b0%9c%ed%96%89%ec%96%b4%ec%9d%8c-%ec%b4%88%eb%b3%b4%ec%9e%90%eb%a5%bc-%ec%9c%84%ed%95%9c-%eb%b0%9c%ed%96%89%ec%96%b4%ec%9d%8c-%ea%b8%b0%ec%a4%80-%ec%8b%9c%ec%9e%91%eb%b0%a9%eb%b2%95\/#2_%EB%B0%9C%ED%96%89%EC%96%B4%EC%9D%8C_%EC%88%98%EC%8B%9C%ED%98%95_vs_%EC%95%BD%EC%A0%95%ED%98%95_%EB%82%98%EC%97%90%EA%B2%8C_%EB%A7%9E%EB%8A%94_%EB%B0%A9%EC%8B%9D%EC%9D%80_%EB%AC%B4%EC%97%87%EC%9D%B8%EA%B0%80%EC%9A%94\" >2) \ubc1c\ud589\uc5b4\uc74c \uc218\uc2dc\ud615 vs \uc57d\uc815\ud615, \ub098\uc5d0\uac8c \ub9de\ub294 \ubc29\uc2dd\uc740 \ubb34\uc5c7\uc778\uac00\uc694?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/%eb%b0%9c%ed%96%89%ec%96%b4%ec%9d%8c-%ec%b4%88%eb%b3%b4%ec%9e%90%eb%a5%bc-%ec%9c%84%ed%95%9c-%eb%b0%9c%ed%96%89%ec%96%b4%ec%9d%8c-%ea%b8%b0%ec%a4%80-%ec%8b%9c%ec%9e%91%eb%b0%a9%eb%b2%95\/#3_%EB%B9%84%EC%8A%B7%ED%95%9C_%EB%B0%9C%ED%96%89%EC%96%B4%EC%9D%8C_%EC%83%81%ED%92%88%EC%9D%B4_%EC%97%AC%EB%9F%AC_%EA%B0%9C%EB%9D%BC%EB%A9%B4_%EC%96%B4%EB%96%A4_%EA%B8%B0%EC%A4%80%EC%9C%BC%EB%A1%9C_%EB%B9%84%EA%B5%90%ED%95%98%EB%82%98%EC%9A%94\" >3) \ube44\uc2b7\ud55c \ubc1c\ud589\uc5b4\uc74c \uc0c1\ud488\uc774 \uc5ec\ub7ec \uac1c\ub77c\uba74 \uc5b4\ub5a4 \uae30\uc900\uc73c\ub85c \ube44\uad50\ud558\ub098\uc694?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/%eb%b0%9c%ed%96%89%ec%96%b4%ec%9d%8c-%ec%b4%88%eb%b3%b4%ec%9e%90%eb%a5%bc-%ec%9c%84%ed%95%9c-%eb%b0%9c%ed%96%89%ec%96%b4%ec%9d%8c-%ea%b8%b0%ec%a4%80-%ec%8b%9c%ec%9e%91%eb%b0%a9%eb%b2%95\/#3_%EB%82%98%EB%AC%B4%EC%A6%9D%EA%B6%8C_%ED%8A%B9%ED%8C%90_%EB%B0%9C%ED%96%89%EC%96%B4%EC%9D%8C%EC%9C%BC%EB%A1%9C_%EC%8B%9C%EC%9E%91%ED%95%98%EA%B8%B0\" >3. \ub098\ubb34\uc99d\uad8c \ud2b9\ud310 \ubc1c\ud589\uc5b4\uc74c\uc73c\ub85c \uc2dc\uc791\ud558\uae30<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/%eb%b0%9c%ed%96%89%ec%96%b4%ec%9d%8c-%ec%b4%88%eb%b3%b4%ec%9e%90%eb%a5%bc-%ec%9c%84%ed%95%9c-%eb%b0%9c%ed%96%89%ec%96%b4%ec%9d%8c-%ea%b8%b0%ec%a4%80-%ec%8b%9c%ec%9e%91%eb%b0%a9%eb%b2%95\/#1_%EB%82%98%EB%AC%B4%EC%A6%9D%EA%B6%8C_%ED%8A%B9%ED%8C%90_%EB%B0%9C%ED%96%89%EC%96%B4%EC%9D%8C%EC%9D%B4%EB%9E%80\" >1) \ub098\ubb34\uc99d\uad8c \ud2b9\ud310 \ubc1c\ud589\uc5b4\uc74c\uc774\ub780?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/%eb%b0%9c%ed%96%89%ec%96%b4%ec%9d%8c-%ec%b4%88%eb%b3%b4%ec%9e%90%eb%a5%bc-%ec%9c%84%ed%95%9c-%eb%b0%9c%ed%96%89%ec%96%b4%ec%9d%8c-%ea%b8%b0%ec%a4%80-%ec%8b%9c%ec%9e%91%eb%b0%a9%eb%b2%95\/#2_%EC%9D%B4%EB%9F%B0_%EB%B6%84%EA%BB%98_%EC%B6%94%EC%B2%9C%EB%93%9C%EB%A6%BD%EB%8B%88%EB%8B%A4\" >2) \uc774\ub7f0 \ubd84\uaed8 \ucd94\ucc9c\ub4dc\ub9bd\ub2c8\ub2e4<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/%eb%b0%9c%ed%96%89%ec%96%b4%ec%9d%8c-%ec%b4%88%eb%b3%b4%ec%9e%90%eb%a5%bc-%ec%9c%84%ed%95%9c-%eb%b0%9c%ed%96%89%ec%96%b4%ec%9d%8c-%ea%b8%b0%ec%a4%80-%ec%8b%9c%ec%9e%91%eb%b0%a9%eb%b2%95\/#FAQ_%EC%9E%90%EC%A3%BC_%ED%95%98%EB%8A%94_%EC%A7%88%EB%AC%B8\" >[FAQ] \uc790\uc8fc \ud558\ub294 \uc9c8\ubb38<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/%eb%b0%9c%ed%96%89%ec%96%b4%ec%9d%8c-%ec%b4%88%eb%b3%b4%ec%9e%90%eb%a5%bc-%ec%9c%84%ed%95%9c-%eb%b0%9c%ed%96%89%ec%96%b4%ec%9d%8c-%ea%b8%b0%ec%a4%80-%ec%8b%9c%ec%9e%91%eb%b0%a9%eb%b2%95\/#Q_%EB%B0%9C%ED%96%89%EC%96%B4%EC%9D%8C_%EB%A7%8C%EA%B8%B0%EC%9D%BC%EC%9D%B4_%EC%A3%BC%EB%A7%90%C2%B7%EA%B3%B5%ED%9C%B4%EC%9D%BC%EC%9D%B4%EB%A9%B4_%EC%96%B8%EC%A0%9C_%EC%83%81%ED%99%98%EB%90%98%EB%82%98%EC%9A%94\" >Q. \ubc1c\ud589\uc5b4\uc74c \ub9cc\uae30\uc77c\uc774 \uc8fc\ub9d0\u00b7\uacf5\ud734\uc77c\uc774\uba74 \uc5b8\uc81c \uc0c1\ud658\ub418\ub098\uc694?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/%eb%b0%9c%ed%96%89%ec%96%b4%ec%9d%8c-%ec%b4%88%eb%b3%b4%ec%9e%90%eb%a5%bc-%ec%9c%84%ed%95%9c-%eb%b0%9c%ed%96%89%ec%96%b4%ec%9d%8c-%ea%b8%b0%ec%a4%80-%ec%8b%9c%ec%9e%91%eb%b0%a9%eb%b2%95\/#Q_%EA%B8%89%ED%95%98%EA%B2%8C_%EC%A4%91%EB%8F%84_%ED%95%B4%EC%A7%80%ED%95%98%EB%A9%B4_%EC%9B%90%EA%B8%88_%EC%86%90%EC%8B%A4%EC%9D%B4_%EB%82%98%EB%82%98%EC%9A%94\" >Q. \uae09\ud558\uac8c \uc911\ub3c4 \ud574\uc9c0\ud558\uba74 \uc6d0\uae08 \uc190\uc2e4\uc774 \ub098\ub098\uc694?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.mynamuhbegin.com\/blog\/%eb%b0%9c%ed%96%89%ec%96%b4%ec%9d%8c-%ec%b4%88%eb%b3%b4%ec%9e%90%eb%a5%bc-%ec%9c%84%ed%95%9c-%eb%b0%9c%ed%96%89%ec%96%b4%ec%9d%8c-%ea%b8%b0%ec%a4%80-%ec%8b%9c%ec%9e%91%eb%b0%a9%eb%b2%95\/#Q_%EB%A7%A4%EB%A7%A4_%EA%B0%80%EB%8A%A5_%EC%8B%9C%EA%B0%84%EC%9D%80_%EC%96%B4%EB%96%BB%EA%B2%8C_%EB%90%98%EB%82%98%EC%9A%94\" >Q. \ub9e4\ub9e4 \uac00\ub2a5 \uc2dc\uac04\uc740 \uc5b4\ub5bb\uac8c \ub418\ub098\uc694?<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<div style=\"background-color: #f1f3f5; padding: 20px; margin: 20px 0; border-radius: 8px;\">\n<p><strong><strong>\ud83d\udca1 <\/strong><\/strong><strong>3\uc904 \uc694\uc57d<\/strong><\/p>\n<ul>\n<li>\ubc1c\ud589\uc5b4\uc74c\uc740 \ub2e8\uae30\uae08\uc735\uc5c5 \uc778\uac00\ub97c \ubc1b\uc740 \ucd08\ub300\ud615IB\uac00 \uc790\uccb4 \uc2e0\uc6a9\uc73c\ub85c \ubc1c\ud589\ud558\uace0 \uc57d\uc815 \uc218\uc775\ub960\uc744 \uc81c\uacf5\ud558\ub294 \ub2e8\uae30 \uae08\uc735\uc0c1\ud488\uc785\ub2c8\ub2e4.<\/li>\n<li>\uc608\uae08\uc790\ubcf4\ud638\uac00 \uc801\uc6a9\ub418\uc9c0 \uc54a\uc73c\ubbc0\ub85c, \uc790\uae08 \uc131\uaca9\uc5d0 \ub9de\ub294 \uc720\ud615(\uc218\uc2dc\ud615\u00b7\uc57d\uc815\ud615)\uacfc \ubc1c\ud589\uc0ac \uc2e0\ub8b0\ub3c4\ub97c \ud568\uaed8 \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<li>\ub098\ubb34\uc99d\uad8c \ud2b9\ud310 \ubc1c\ud589\uc5b4\uc74c\uc740 365\uc77c\ubb3c \uae30\uc900 \uc5f0 5.0%(\uc138\uc804)* <strong>\uc218\uc775\ub960<\/strong>\uc774 \uc801\uc6a9\ub429\ub2c8\ub2e4.<br \/>\n*\ucd5c\ucd08 \uc2e0\uaddc \uace0\uac1d \uc870\uac74 \ucda9\uc871 \uc2dc \uc5f0 5.05%(\uc138\uc804)<br \/>\n*\uae30\ubcf8\uc218\uc775\ub960 \uc5f0 4.05%(\uc138\uc804) \u203b\uc774\ubca4\ud2b8 \uc885\ub8cc \ud6c4 \uae30\ubcf8\uc218\uc775\ub960 \uc801\uc6a9<\/li>\n<\/ul>\n<\/div>\n<p>&nbsp;<\/p>\n<p>\uc5ec\uc720\uc790\uae08\uc744 \uc9e7\uc740 \uae30\uac04 \ub3d9\uc548 \uc6b4\uc6a9\ud558\ub824 \ud560 \ub54c \uc5b4\ub5a4 \uae08\uc735\uc0c1\ud488\uc744 \uc120\ud0dd\ud574\uc57c \ud560\uc9c0 \uace0\ubbfc\ud558\ub294 \ubd84\ub4e4\uc774 \ub9ce\uc2b5\ub2c8\ub2e4.\u00a0\ud2b9\ud788 1\ub144 \uc548\uc5d0 \uc4f8 \ubaa9\ub3c8\uc774\ub77c\uba74 \uc218\uc775\ub960\ubfd0 \uc544\ub2c8\ub77c \uc790\uae08\uc744 \uc5bc\ub9c8\ub098 \uc720\uc5f0\ud558\uac8c \uc6b4\uc6a9\ud560 \uc218 \uc788\ub294\uc9c0, \uc5b4\ub5a4 \uc704\ud5d8\uc774 \uc788\ub294\uc9c0\ub3c4 \ud568\uaed8 \uc0b4\ud3b4\ubd10\uc57c \ud569\ub2c8\ub2e4. \uc774\ub7f0 \uacbd\uc6b0 \uc0b4\ud3b4\ubcfc \uc218 \uc788\ub294 \uc120\ud0dd\uc9c0 \uc911 \ud558\ub098\uac00 <strong>\ubc1c\ud589\uc5b4\uc74c<\/strong>\uc785\ub2c8\ub2e4. \ubc1c\ud589\uc5b4\uc74c\uc740 \uc99d\uad8c\uc0ac\uac00 \uc790\uae30 \uc2e0\uc6a9\uc744 \ubc14\ud0d5\uc73c\ub85c \ubc1c\ud589\ud558\uace0 \uc57d\uc815\ud55c \uc218\uc775\ub960\uc744 \uc81c\uacf5\ud558\ub294 \ub2e8\uae30\uae08\uc735\uc0c1\ud488\uc785\ub2c8\ub2e4. \ub2e4\ub9cc \uc608\uae08\uc790\ubcf4\ud638 \ub300\uc0c1\uc774 \uc544\ub2c8\ubbc0\ub85c \uac00\uc785 \uc804 \uc0c1\ud488 \uad6c\uc870\uc640 \ubc1c\ud589\uc0ac\uc758 \uc2e0\uc6a9\uc704\ud5d8 \ub4f1\uc744 \ud655\uc778\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc774 \uae00\uc5d0\uc11c\ub294 <strong>\ubc1c\ud589\uc5b4\uc74c\uc758 \uac1c\ub150\uacfc \uace0\ub974\ub294 \uae30\uc900, \uae08\ub9ac \ud655\uc778 \ubc29\ubc95<\/strong>\uc744 \ucc28\ub840\ub85c \uc815\ub9ac\ud558\uace0, <strong>\ub098\ubb34\uc99d\uad8c \ud2b9\ud310\uc758 \uc8fc\uc694 \uc870\uac74<\/strong>\ub3c4 \ud568\uaed8 \uc18c\uac1c\ud558\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"1_%EB%B0%9C%ED%96%89%EC%96%B4%EC%9D%8C%EC%9D%B4%EB%9E%80_%EA%B0%9C%EB%85%90_%EC%95%88%EC%A0%84%EC%84%B1_%EC%9E%A5%EB%8B%A8%EC%A0%90%EA%B9%8C%EC%A7%80\"><\/span>1. \ubc1c\ud589\uc5b4\uc74c\uc774\ub780? \uac1c\ub150, \uc548\uc804\uc131, \uc7a5\ub2e8\uc810\uae4c\uc9c0<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-large wp-image-784\" src=\"https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/10\/\ubc1c\ud589\uc5b4\uc74c_2-1024x766.jpg\" alt=\"\ubc1c\ud589\uc5b4\uc74c,\ubc1c\ud589\uc5b4\uc74c \ud2b9\ud310,\ubc1c\ud589\uc5b4\uc74c\ud615CMA,\ubc1c\ud589\uc5b4\uc74c \uc704\ud5d8\uc131,\ubc1c\ud589\uc5b4\uc74c \uc218\uc2dc\ud615,\uc99d\uad8c\uc0ac \ubc1c\ud589\uc5b4\uc74c,\ubc1c\ud589\uc5b4\uc74c \ub9cc\uae30,\ubc1c\ud589\uc5b4\uc74c \uae08\ub9ac,\ubc1c\ud589\uc5b4\uc74c \uae08\ub9ac\ube44\uad50\" width=\"1024\" height=\"766\" srcset=\"https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/10\/\ubc1c\ud589\uc5b4\uc74c_2-1024x766.jpg 1024w, https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/10\/\ubc1c\ud589\uc5b4\uc74c_2-300x224.jpg 300w, https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/10\/\ubc1c\ud589\uc5b4\uc74c_2-768x575.jpg 768w, https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/10\/\ubc1c\ud589\uc5b4\uc74c_2-900x673.jpg 900w, https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/10\/\ubc1c\ud589\uc5b4\uc74c_2-500x374.jpg 500w, https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/10\/\ubc1c\ud589\uc5b4\uc74c_2.jpg 1450w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p>\uba3c\uc800 \ud574\ub2f9 \uc0c1\ud488\uc774 \uc5b4\ub5a4 \uad6c\uc870\ub85c \ub9cc\ub4e4\uc5b4\uc9c0\uace0, \ubb34\uc5c7\uc744 \uadfc\uac70\ub85c \uc548\uc815\uc131\uc744 \uac16\ucd94\ub294\uc9c0 \uba3c\uc800 \uc774\ud574\ud574\uc57c \ud569\ub2c8\ub2e4. \uae30\ubcf8 \uac1c\ub150\uacfc \uc608\uae08\uc790\ubcf4\ud638 \uc801\uc6a9 \uc5ec\ubd80, \uc7a5\ub2e8\uc810\uc744 \ucc28\ub840\ub85c \uc0b4\ud3b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_%EB%B0%9C%ED%96%89%EC%96%B4%EC%9D%8C%EC%9D%B4%EB%9E%80_%EB%AC%B4%EC%97%87%EC%9D%B8%EA%B0%80%EC%9A%94\"><\/span>1) \ubc1c\ud589\uc5b4\uc74c\uc774\ub780 \ubb34\uc5c7\uc778\uac00\uc694?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\uc99d\uad8c\uc0ac\uac00 \uace0\uac1d\uc5d0\uac8c <strong>\uc608\uce58 \uae30\uac04\uc5d0 \ub530\ub77c \uc57d\uc815\ud55c \uc218\uc775\ub960<\/strong>\uc744 \uc81c\uacf5\ud558\uae30\ub85c \uc57d\uc18d\ud558\uace0 \ubc1c\ud589\ud558\ub294 \uc5b4\uc74c\uc785\ub2c8\ub2e4. \ubcc4\ub3c4\uc758 \ub2f4\ubcf4 \uc5c6\uc774 \uc99d\uad8c\uc0ac\uc758 \uc790\uccb4 \uc2e0\uc6a9\uc744 \ubc14\ud0d5\uc73c\ub85c \ubc1c\ud589\ub418\uba70, \ubaa8\ub4e0 \uc99d\uad8c\uc0ac\uac00 \uc774\ub97c \ubc1c\ud589\ud560 \uc218 \uc788\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4.<\/p>\n<p>\uc790\uae30\uc790\ubcf8 4\uc870\uc6d0 \uc774\uc0c1\uc758 \uc885\ud569\uae08\uc735\ud22c\uc790\uc0ac\uc5c5\uc790 \uc911 \uae08\uc735\uc704\uc6d0\ud68c\ub85c\ubd80\ud130 \ub2e8\uae30\uae08\uc735\uc5c5 \uc778\uac00\ub97c \ubc1b\uc740 \uc99d\uad8c\uc0ac\ub9cc \ubc1c\ud589\uc5b4\uc74c \uc5c5\ubb34\ub97c \uc601\uc704\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubc1c\ud589\uc5b4\uc74c\uc740 \ubcc4\ub3c4\uc758 \ub2f4\ubcf4 \uc5c6\uc774 \ubc1c\ud589 \uc99d\uad8c\uc0ac\uc758 \uc2e0\uc6a9\uc744 \ubc14\ud0d5\uc73c\ub85c \ubc1c\ud589\ub418\uba70, \ubc1c\ud589 \uc99d\uad8c\uc0ac\uac00 \uc6d0\uae08\uacfc \uc57d\uc815\uc218\uc775\uc744 \uc9c0\uae09\ud560 \uc758\ubb34\ub97c \ubd80\ub2f4\ud569\ub2c8\ub2e4. \ubc1c\ud589\uc5b4\uc74c\uc73c\ub85c \uc870\ub2ec\ud55c \uc790\uae08\uc740 \uae30\uc5c5\ub300\ucd9c, \ud68c\uc0ac\ucc44 \uc778\uc218 \ub4f1 \uae30\uc5c5\uae08\uc735 \uad00\ub828 \uc790\uc0b0 \ub4f1\uc5d0 \uc6b4\uc6a9\ub418\uba70, \uad00\ub828 \uaddc\uc815\uc5d0 \ub530\ub77c \uc870\ub2ec\uc790\uae08\uc758 \uc77c\uc815 \ube44\uc728 \uc774\uc0c1\uc744 \uae30\uc5c5\uae08\uc735 \uad00\ub828 \uc790\uc0b0\uc5d0 \uc6b4\uc6a9\ud558\ub3c4\ub85d \uc815\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_%EC%A6%9D%EA%B6%8C%EC%82%AC_%EB%B0%9C%ED%96%89%EC%96%B4%EC%9D%8C_%EC%9C%84%ED%97%98%EC%84%B1_%E2%80%93_%EC%98%88%EA%B8%88%EC%9E%90_%EB%B9%84%EB%B3%B4%ED%98%B8_%EB%8C%80%EC%83%81\"><\/span>2) \uc99d\uad8c\uc0ac \ubc1c\ud589\uc5b4\uc74c \uc704\ud5d8\uc131? \u2013 \uc608\uae08\uc790 \ube44\ubcf4\ud638 \ub300\uc0c1<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\ubc1c\ud589\uc5b4\uc74c\uc740 \uc608\uae08\uc790\ubcf4\ud638\ubc95\uc5d0 \ub530\ub978 \ubcf4\ud638 \ub300\uc0c1\uc5d0 \ud3ec\ud568\ub418\uc9c0 \uc54a\ub294 \uc0c1\ud488\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc740\ud589 \uc608\uae08\ucc98\ub7fc \uae08\uc735\ud68c\uc0ac\uac00 \ud30c\uc0b0\ud558\ub354\ub77c\ub3c4 \uc608\uae08\ubcf4\ud5d8\uacf5\uc0ac\uac00 \uc6d0\ub9ac\uae08\uc744 1\uc5b5 \uc6d0\uae4c\uc9c0 \ubcf4\uc7a5\ud558\ub294 \uccb4\uacc4\uc640\ub294 \ubcc4\uac1c\uc758 \uad6c\uc870\uc785\ub2c8\ub2e4. \uadf8 \ub300\uc2e0 \ubc1c\ud589\uc0ac\uc778 \uc99d\uad8c\uc0ac\uac00 \uc790\uae30 \uc2e0\uc6a9\uc73c\ub85c \uc6d0\uae08\uacfc \uc57d\uc815 \uc218\uc775\uc758 \uc9c0\uae09\uc744 \uc57d\uc18d\ud569\ub2c8\ub2e4. \uc989 \uc548\uc815\uc131\uc758 \uadfc\uac70\ub294 \ubc95\uc801 \ubcf4\ud638\uac00 \uc544\ub2c8\ub77c <strong>\ubc1c\ud589\uc0ac\uc758 \uc2e0\uc6a9\ub3c4<\/strong>\uc5d0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub530\ub77c\uc11c \ubc1c\ud589\uc5b4\uc74c \uc704\ud5d8\uc131\uc744 \ub530\uc9c4\ub2e4\uba74 \uc218\uc775\ub960\uc774 \uc57d\uc815\ub418\uc5b4 \uc788\ub2e4\uace0 \ud574\uc11c \uc804\ud600 \uc5c6\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. \ubc1c\ud589\uc0ac\uc758 \uc2e0\uc6a9\ub3c4\uac00 \ud558\ub77d\ud558\uac70\ub098 \uacbd\uc601\uc774 \ubd80\uc2e4\ud574\uc9c0\ub294 \uacbd\uc6b0\uc5d0\ub294 \uc774\ub860\uc0c1 \ud22c\uc790\uc6d0\uae08 \uc190\uc2e4 \uac00\ub2a5\uc131\ub3c4 \uc874\uc7ac\ud569\ub2c8\ub2e4. \uac00\uc785 \uc804\uc5d0 \ubc1c\ud589 \uc99d\uad8c\uc0ac\uc758 \uc2e0\uc6a9\ub4f1\uae09\uacfc \uc7ac\ubb34 \uac74\uc804\uc131\uc744 \ud568\uaed8 \ud655\uc778\ud560 \uac83\uc744 \uad8c\uc7a5\ud574 \ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_%EC%9E%A5%EB%8B%A8%EC%A0%90%EC%9D%80_%EB%AC%B4%EC%97%87%EC%9D%B8%EA%B0%80%EC%9A%94\"><\/span>3) \uc7a5\ub2e8\uc810\uc740 \ubb34\uc5c7\uc778\uac00\uc694?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\uc9e7\uc740 \uae30\uac04 \ub3d9\uc548 \ubaa9\ub3c8\uc744 \uc6b4\uc6a9\ud558\uae30\uc5d0 \uc720\ub9ac\ud55c \uc810\uc774 \ub9ce\uc9c0\ub9cc, \uc608\uae08\uacfc \ub2e4\ub978 \uad6c\uc870\uc5d0\uc11c \ube44\ub86f\ub418\ub294 \uc720\uc758\uc810\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<ul>\n<li>\uc7a5\uc810<br \/>\n\uc0c1\ud488 \uc720\ud615\uacfc \ub9cc\uae30\uc5d0 \ub530\ub77c \uc57d\uc815\uc218\uc775\ub960 \uc801\uc6a9<br \/>\n\u00b7 \uc18c\uc561\ubd80\ud130 \uac00\uc785 \uac00\ub2a5<br \/>\n\u00b7 \uc218\uc2dc\ud615\uc740 \uc785\ucd9c\uae08\uc774 \uc790\uc720\ub85c\uc6c0<\/li>\n<li>\ub2e8\uc810<br \/>\n\uc608\uae08\uc790\ubcf4\ud638\ubc95 \ubbf8\uc801\uc6a9<br \/>\n\u00b7 \uc911\ub3c4\ud574\uc9c0 \uc2dc \uc801\uc6a9 \uc218\uc775\ub960 \ud558\ub77d<\/li>\n<\/ul>\n<p>\ubb34\uc5c7\ubcf4\ub2e4 \uc99d\uad8c\uc0ac \ubc1c\ud589\uc5b4\uc74c\uc740 \ubc1c\ud589 \uc99d\uad8c\uc0ac\uc758 \uc2e0\uc6a9\uc744 \ubc14\ud0d5\uc73c\ub85c \ud55c \uc0c1\ud488\uc774\ub77c\ub294 \uc810\uc744 \uba3c\uc800 \uc778\uc9c0\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774 \uc810\uc744 \ud655\uc2e4\ud788 \uc774\ud574\ud55c \uc0c1\ud0dc\uc5d0\uc11c \uc790\uae08 \uc6b4\uc6a9 \ubaa9\uc801\uc5d0 \ub9de\ub294 \uc720\ud615\uc744 \uace0\ub974\ub294 \uac83\uc774 \ud22c\uc790 \uc804 \uccab \ub2e8\uacc4\uc785\ub2c8\ub2e4.<\/p>\n<p><a href=\"https:\/\/m.mynamuh.com\/guide\/MNHSI1055?utm_source=nnt&amp;utm_medium=blog&amp;utm_campaign=namuh_issued_note\" target=\"_blank\" rel=\"noopener\">\uc27d\uac8c \uc54c\uc544\ubcf4\ub294 \ubc1c\ud589\uc5b4\uc74c<\/a><\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"2_%EC%B4%88%EB%B3%B4%EC%9E%90%EB%A5%BC_%EC%9C%84%ED%95%9C_%EB%B0%9C%ED%96%89%EC%96%B4%EC%9D%8C_%EA%B3%A0%EB%A5%B4%EB%8A%94_%EA%B8%B0%EC%A4%80\"><\/span>2. \ucd08\ubcf4\uc790\ub97c \uc704\ud55c \ubc1c\ud589\uc5b4\uc74c \uace0\ub974\ub294 \uae30\uc900<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\ubc1c\ud589\uc5b4\uc74c\uc740 \uc720\ud615\uacfc \uc870\uac74\uc5d0 \ub530\ub77c \uc801\uc6a9 \uae08\ub9ac\uc640 \uc790\uae08 \ud65c\uc6a9 \ubc29\uc2dd\uc774 \ud06c\uac8c \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. \ucc98\uc74c \ud22c\uc790\ud55c\ub2e4\uba74 \uc5b4\ub5a4 \uc21c\uc11c\ub85c \uc0c1\ud488\uc744 \uc0b4\ud3b4\ubd10\uc57c \ud558\ub294\uc9c0, \uc720\ud615\ubcc4\ub85c \uc5b4\ub5a4 \ucc28\uc774\uac00 \uc788\ub294\uc9c0 \uba3c\uc800 \uc54c\uc544\ub450\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_%EB%B0%9C%ED%96%89%EC%96%B4%EC%9D%8C%EC%9D%80_%EC%96%B4%EB%96%A4_%EA%B8%B0%EC%A4%80%EC%9C%BC%EB%A1%9C_%EA%B3%A8%EB%9D%BC%EC%95%BC_%ED%95%98%EB%82%98%EC%9A%94\"><\/span>1) \ubc1c\ud589\uc5b4\uc74c\uc740 \uc5b4\ub5a4 \uae30\uc900\uc73c\ub85c \uace8\ub77c\uc57c \ud558\ub098\uc694?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\uc0c1\ud488\ubcf4\ub2e4 <strong>\uc790\uae08\uc758 \uc131\uaca9<\/strong>\uc744 \uba3c\uc800 \uc815\ud574\uc57c \ud569\ub2c8\ub2e4. \ud544\uc694\ud560 \ub54c \uc5b8\uc81c\ub4e0 \uaebc\ub0b4 \uc4f8 \uc790\uae08\uc778\uc9c0, \uc77c\uc815 \uae30\uac04 \ubb36\uc5b4\ub458 \uc218 \uc788\ub294 \uc790\uae08\uc778\uc9c0\uc5d0 \ub530\ub77c \uc801\ud569\ud55c \uc0c1\ud488 \uc720\ud615\uc774 \ub2ec\ub77c\uc9c0\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \uc790\uae08\uc758 \uc131\uaca9\uc744 \uc815\ud588\ub2e4\uba74 \ub2e4\uc74c\uc73c\ub85c \uc720\ud615\uc744 \ud655\uc778\ud569\ub2c8\ub2e4. \ubc1c\ud589\uc5b4\uc74c\uc740 \uc218\uc2dc\ud615, \uc57d\uc815\ud615(\uac70\uce58\uc2dd), \uc678\ud654\ubc1c\ud589\uc5b4\uc74c \ub4f1\uc73c\ub85c \ub098\ub258\uba70, \uc720\ud615\uc5d0 \ub530\ub77c \uc801\uc6a9 \uae08\ub9ac\uc640 \uc790\uae08 \uc720\ub3d9\uc131\uc774 \ub2ec\ub77c\uc9d1\ub2c8\ub2e4.<\/p>\n<table style=\"width: 610px; border-collapse: collapse;\" border=\"1\" cellspacing=\"0\" cellpadding=\"5\">\n<thead>\n<tr>\n<th style=\"width: 170px; text-align: center; background-color: #cde990;\"><strong>\uc885\ub958<\/strong><\/th>\n<th style=\"width: 440px; text-align: center; background-color: #cde990;\"><strong>\uc8fc\uc694 \ud2b9\uc9d5<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"width: 170px; text-align: center; font-weight: bold;\">\uc218\uc2dc\ud615<\/td>\n<td style=\"width: 440px; text-align: center;\">\ud544\uc694\ud560 \ub54c \uc785\ucd9c\uae08\ud560 \uc218 \uc788\uc5b4 \ub2e8\uae30 \uc5ec\uc720\uc790\uae08 \uc6b4\uc6a9\uc5d0 \ud65c\uc6a9 \uac00\ub2a5<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 170px; text-align: center; font-weight: bold;\">\uc57d\uc815\ud615(\uac70\uce58\uc2dd)<\/td>\n<td style=\"width: 440px; text-align: center;\">\uc815\ud574\uc9c4 \uae30\uac04 \ud22c\uc790\ud558\uace0 \uc57d\uc815\ub41c \uc218\uc775\ub960\uc744 \uc801\uc6a9\ubc1b\ub294 \ubc29\uc2dd<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 170px; text-align: center; font-weight: bold;\">\uc678\ud654\ubc1c\ud589\uc5b4\uc74c<br \/>\n(\ub2ec\ub7ec\ubc1c\ud589\uc5b4\uc74c \ub4f1)<\/td>\n<td style=\"width: 440px; text-align: center;\">\uc678\ud654\ub85c \uc608\uce58\ud558\uba70, \ud658\uc728 \ubcc0\ub3d9 \uc601\ud5a5\uc744 \ubc1b\uc74c<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 170px; text-align: center; font-weight: bold;\">\ubc1c\ud589\uc5b4\uc74c\ud615CMA<\/td>\n<td style=\"width: 440px; text-align: center;\">\ubc1c\ud589\uc5b4\uc74c\uc744 \ud3b8\uc785\ud574 \ub9e4\uc77c \uc774\uc790\uac00 \ubd99\ub294 CMA \uc0c1\ud488<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>\uc720\ud615\uc744 \uace8\ub790\ub2e4\uba74 \uac00\uc785 \uc804\uc5d0 \ub2e4\uc74c \ud56d\ubaa9\ub3c4 \ud568\uaed8 \uccb4\ud06c\ud574 \uc8fc\uc138\uc694.<\/p>\n<ul>\n<li><strong>\uc911\ub3c4\ud574\uc9c0 \uac00\ub2a5 \uc5ec\ubd80, \ub9cc\uae30, \uc801\uc6a9 \uae08\ub9ac<\/strong>: \uc790\uae08 \uacc4\ud68d\uc5d0 \ub9de\ub294 \ub9cc\uae30\uc778\uc9c0, \uc911\ub3c4\uc5d0 \ud574\uc9c0\ud560 \uc218 \uc788\ub294\uc9c0 \ud655\uc778\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\ud2b9\ud310 \uc870\uac74<\/strong>: \ud2b9\ud310 \uc0c1\ud488\uc774\ub77c\uba74 \uc801\uc6a9 \ub300\uc0c1, \uc801\uc6a9 \uae30\uac04, \uac00\uc785 \ud55c\ub3c4\ub97c \ud655\uc778\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\uc608\uae08\uc790\ubcf4\ud638 \uc5ec\ubd80<\/strong>: \ubc1c\ud589\uc5b4\uc74c\uc740 \uc608\uae08\uc790\ubcf4\ud638\ubc95\uc774 \uc801\uc6a9\ub418\uc9c0 \uc54a\uc73c\uba70, \ubc1c\ud589 \uc99d\uad8c\uc0ac\uc758 \uc2e0\uc6a9\uc73c\ub85c \uc0c1\ud658\ub41c\ub2e4\ub294 \uc810\uc744 \uc5fc\ub450\uc5d0 \ub450\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_%EB%B0%9C%ED%96%89%EC%96%B4%EC%9D%8C_%EC%88%98%EC%8B%9C%ED%98%95_vs_%EC%95%BD%EC%A0%95%ED%98%95_%EB%82%98%EC%97%90%EA%B2%8C_%EB%A7%9E%EB%8A%94_%EB%B0%A9%EC%8B%9D%EC%9D%80_%EB%AC%B4%EC%97%87%EC%9D%B8%EA%B0%80%EC%9A%94\"><\/span>2) \ubc1c\ud589\uc5b4\uc74c \uc218\uc2dc\ud615 vs \uc57d\uc815\ud615, \ub098\uc5d0\uac8c \ub9de\ub294 \ubc29\uc2dd\uc740 \ubb34\uc5c7\uc778\uac00\uc694?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\uc218\uc2dc\ud615\uacfc \uc57d\uc815\ud615 \uc911 \uc5b4\ub5a4 \ubc29\uc2dd\uc774 \ub9de\ub294\uc9c0\ub294 <strong>\uc790\uae08\uc744 \uc5bc\ub9c8\ub098 \uc790\uc720\ub86d\uac8c \uc368\uc57c \ud558\ub294\uc9c0<\/strong>\uc5d0 \ub530\ub77c \uacb0\uc815\ub429\ub2c8\ub2e4.<\/p>\n<p>\ubc1c\ud589\uc5b4\uc74c \uc218\uc2dc\ud615\uc740 \uc5b8\uc81c\ub4e0 \uc790\uae08\uc744 \ucd9c\uae08\ud560 \uc218 \uc788\ub294 \ubc29\uc2dd\uc785\ub2c8\ub2e4. \ub2f9\uc7a5 \uc0ac\uc6a9\ud560 \uacc4\ud68d\uc740 \uc5c6\uc9c0\ub9cc \ud544\uc694\ud560 \ub54c \ubc14\ub85c \uaebc\ub0b4 \uc368\uc57c \ud558\ub294 \ub2e8\uae30 \uc5ec\uc720\uc790\uae08, \uc774\ub978\ubc14 \ud30c\ud0b9\ud615 \uc790\uae08\uc744 \uc6b4\uc6a9\ud558\uae30\uc5d0 \uc801\ud569\ud569\ub2c8\ub2e4. \uc57d\uc815\ud615\uc740 \uc815\ud574\uc9c4 \ub9cc\uae30\uae4c\uc9c0 \uc608\uce58\ud558\uba74 \uc6b0\ub300\uae08\ub9ac\ub97c \uc801\uc6a9\ubc1b\uc744 \uc218 \uc788\ub294 \ubc29\uc2dd\uc785\ub2c8\ub2e4. \ubaa9\ub3c8\uc744 \uc77c\uc815 \uae30\uac04 \ubb36\uc5b4\ub458 \uc218 \uc788\ub294 \ud22c\uc790\uc790\uc5d0\uac8c \uc801\ud569\ud569\ub2c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_%EB%B9%84%EC%8A%B7%ED%95%9C_%EB%B0%9C%ED%96%89%EC%96%B4%EC%9D%8C_%EC%83%81%ED%92%88%EC%9D%B4_%EC%97%AC%EB%9F%AC_%EA%B0%9C%EB%9D%BC%EB%A9%B4_%EC%96%B4%EB%96%A4_%EA%B8%B0%EC%A4%80%EC%9C%BC%EB%A1%9C_%EB%B9%84%EA%B5%90%ED%95%98%EB%82%98%EC%9A%94\"><\/span>3) \ube44\uc2b7\ud55c \ubc1c\ud589\uc5b4\uc74c \uc0c1\ud488\uc774 \uc5ec\ub7ec \uac1c\ub77c\uba74 \uc5b4\ub5a4 \uae30\uc900\uc73c\ub85c \ube44\uad50\ud558\ub098\uc694?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\uc870\uac74\uc774 \ube44\uc2b7\ud574 \ubcf4\uc774\ub294 \uc0c1\ud488\ub4e4\uc774 \uc5ec\ub7ec \uac1c\ub77c\uba74 \uae08\ub9ac, \uc911\ub3c4\ud574\uc9c0 \uc870\uac74, \ubc1c\ud589\uc0ac \uc2e0\ub8b0\ub3c4\uc758 \uc138 \uac00\uc9c0 \uae30\uc900\uc73c\ub85c \ube44\uad50\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uac00\uc7a5 \uba3c\uc800 \uc99d\uad8c\uc0ac\ubcc4\u00b7\ub9cc\uae30\ubcc4 \uc801\uc6a9 \uae08\ub9ac\ub97c \ube44\uad50\ud569\ub2c8\ub2e4. \uac19\uc740 \uc720\ud615\uc774\ub77c\ub3c4 \uc99d\uad8c\uc0ac\uc640 \ub9cc\uae30\uc5d0 \ub530\ub77c \uc801\uc6a9 \uae08\ub9ac\uac00 \ub2e4\ub974\ubbc0\ub85c, \ud22c\uc790\ud558\ub824\ub294 \uae30\uac04\uc5d0 \ub9de\ucdb0 \ub530\uc838 \ubd10\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\ub2e4\uc74c\uc73c\ub85c \uc911\ub3c4\ud574\uc9c0 \uc2dc \uc801\uc6a9 \uae08\ub9ac \uc218\uc900\uc744 \ud655\uc778\ud569\ub2c8\ub2e4. \ubc1c\ud589\uc5b4\uc74c \ub9cc\uae30 \uc804\uc5d0 \ud574\uc9c0\ud558\uba74 \uc57d\uc815 \uae08\ub9ac\ubcf4\ub2e4 \ub0ae\uc740 \uc218\uc775\ub960\uc774 \uc801\uc6a9\ub418\ubbc0\ub85c, \uc911\ub3c4\ud574\uc9c0 \uac00\ub2a5\uc131\uc774 \uc788\ub2e4\uba74 \uc774 \uc870\uac74\uc774 \uc2e4\uc81c \uc218\uc775\uc5d0 \ud070 \uc601\ud5a5\uc744 \uc90d\ub2c8\ub2e4. \ub098\ubb34\uc99d\uad8c\uc758 \uacbd\uc6b0 \ub9e4\uc218 \uac74\ubcc4\ub85c \uc804\uc561 \ub9e4\ub3c4\ub9cc \uac00\ub2a5\ud558\uba70, \uc911\ub3c4\uc778\ucd9c \uc2dc\uc5d0\ub294 \uc0c1\ud488 \uc720\ud615\ubcc4\ub85c \uc0ac\uc804\uc5d0 \uace0\uc2dc\ud55c \uc911\ub3c4\uc778\ucd9c \uc218\uc775\ub960\uc774 \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c \uc99d\uad8c\uc0ac\uc758 \uc2e0\uc6a9\ub4f1\uae09\uacfc \uc790\uae30\uc790\ubcf8 \uaddc\ubaa8 \ub4f1 \uc815\uc131\uc801 \uc694\uc18c\ub3c4 \ud568\uaed8 \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub294 \ubc1c\ud589\uc0ac\uc758 \uc2e0\uc6a9\uc73c\ub85c \uc0c1\ud658\ub418\ub294 \uc0c1\ud488\uc774\ubbc0\ub85c, \uae08\ub9ac\ub9cc\ud07c\uc774\ub098 \ubc1c\ud589\uc0ac\uc758 \uc2e0\ub8b0\ub3c4\uac00 \uc911\uc694\ud55c \ud310\ub2e8 \uae30\uc900\uc774\ub77c\ub294 \uc810\uc744 \uaf2d \uae30\uc5b5\ud558\uc138\uc694.<\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"3_%EB%82%98%EB%AC%B4%EC%A6%9D%EA%B6%8C_%ED%8A%B9%ED%8C%90_%EB%B0%9C%ED%96%89%EC%96%B4%EC%9D%8C%EC%9C%BC%EB%A1%9C_%EC%8B%9C%EC%9E%91%ED%95%98%EA%B8%B0\"><\/span>3. \ub098\ubb34\uc99d\uad8c \ud2b9\ud310 \ubc1c\ud589\uc5b4\uc74c\uc73c\ub85c \uc2dc\uc791\ud558\uae30<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img decoding=\"async\" class=\"aligncenter size-large wp-image-786\" src=\"https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/10\/\ubc1c\ud589\uc5b4\uc74c_4-1024x764.jpg\" alt=\"\ubc1c\ud589\uc5b4\uc74c,\ubc1c\ud589\uc5b4\uc74c \ud2b9\ud310,\ubc1c\ud589\uc5b4\uc74c\ud615CMA,\ubc1c\ud589\uc5b4\uc74c \uc704\ud5d8\uc131,\ubc1c\ud589\uc5b4\uc74c \uc218\uc2dc\ud615,\uc99d\uad8c\uc0ac \ubc1c\ud589\uc5b4\uc74c,\ubc1c\ud589\uc5b4\uc74c \ub9cc\uae30,\ubc1c\ud589\uc5b4\uc74c \uae08\ub9ac,\ubc1c\ud589\uc5b4\uc74c \uae08\ub9ac\ube44\uad50\" width=\"1024\" height=\"764\" srcset=\"https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/10\/\ubc1c\ud589\uc5b4\uc74c_4-1024x764.jpg 1024w, https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/10\/\ubc1c\ud589\uc5b4\uc74c_4-300x224.jpg 300w, https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/10\/\ubc1c\ud589\uc5b4\uc74c_4-768x573.jpg 768w, https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/10\/\ubc1c\ud589\uc5b4\uc74c_4-900x671.jpg 900w, https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/10\/\ubc1c\ud589\uc5b4\uc74c_4-500x373.jpg 500w, https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/10\/\ubc1c\ud589\uc5b4\uc74c_4.jpg 1452w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p>\uc774\uc81c \uac1c\ub150\uacfc \uace0\ub974\ub294 \uae30\uc900, \uae08\ub9ac \ud655\uc778 \ubc29\ubc95\uc5d0 \ub300\ud574 \uc774\ud574\ud588\ub2e4\uba74 \uc774\uc81c \uc9c1\uc811 \uc2dc\uc791\ud574\ubcfc \ucc28\ub840\uc778\ub370\uc694. \ud574\ub2f9 \uc0c1\ud488 \ud22c\uc790\uac00 \ucc98\uc74c\uc774\ub77c\uba74 \uc870\uac74\uc774 \uba85\ud655\ud558\uac8c \uc815\ub9ac\ub41c \ud2b9\ud310 \uc0c1\ud488\ubd80\ud130 \uc0b4\ud3b4\ubcf4\ub294 \uac83\ub3c4 \uc88b\uc740 \ubc29\ubc95\uc785\ub2c8\ub2e4.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_%EB%82%98%EB%AC%B4%EC%A6%9D%EA%B6%8C_%ED%8A%B9%ED%8C%90_%EB%B0%9C%ED%96%89%EC%96%B4%EC%9D%8C%EC%9D%B4%EB%9E%80\"><\/span>1) \ub098\ubb34\uc99d\uad8c \ud2b9\ud310 \ubc1c\ud589\uc5b4\uc74c\uc774\ub780?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\ub098\ubb34\uc99d\uad8c \ud2b9\ud310 \ubc1c\ud589\uc5b4\uc74c\uc740 365\uc77c\ubb3c \uae30\uc900 \uc5f0 5.0%(\uc138\uc804)* \uc218\uc775\ub960\uc744 \uc81c\uacf5\ud558\ub294 \uc0c1\ud488\uc785\ub2c8\ub2e4.<br \/>\n*\ucd5c\ucd08 \uc2e0\uaddc \uace0\uac1d \uc870\uac74 \ucda9\uc871 \uc2dc \uc5f0 5.05%(\uc138\uc804)<br \/>\n*\uae30\ubcf8\uc218\uc775\ub960 \uc5f0 4.05%(\uc138\uc804) \u203b\uc774\ubca4\ud2b8 \uc885\ub8cc \ud6c4 \uae30\ubcf8\uc218\uc775\ub960 \uc801\uc6a9<\/p>\n<p>\ub2e8\uae30 \uc5ec\uc720\uc790\uae08 \uc6b4\uc6a9\uc744 \uace0\ub824\ud558\uace0 \uc788\ub2e4\uba74, \uc55e\uc11c \uc0b4\ud3b4\ubcf8 \ubc1c\ud589\uc5b4\uc74c\uc758 \uad6c\uc870\uc640 \uc720\uc758\uc0ac\ud56d\uc744 \ud655\uc778\ud55c \ub4a4 \ud2b9\ud310\uc758 \uc801\uc6a9 \ub300\uc0c1\uacfc \uac00\uc785 \uc870\uac74\uc744 \ud568\uaed8 \uc0b4\ud3b4\ubcf4\uc138\uc694.<\/p>\n<p>&nbsp;<\/p>\n<p>[\ud2b9\ud310 \ubc1c\ud589\uc5b4\uc74c \uc548\ub0b4]<\/p>\n<table style=\"width: 610px; border-collapse: collapse;\" border=\"1\" cellspacing=\"0\" cellpadding=\"5\">\n<thead>\n<tr>\n<th style=\"width: 110px; text-align: center; background-color: #cde990;\"><strong>\ub300\uc0c1 \uad6c\ubd84<\/strong><\/th>\n<th style=\"width: 250px; text-align: center; background-color: #cde990;\" colspan=\"2\"><strong>\ub098\ubb34 \ucd5c\ucd08 \uc2e0\uaddc \uace0\uac1d*<\/strong><\/th>\n<th style=\"width: 250px; text-align: center; background-color: #cde990;\" colspan=\"2\"><strong>\ub098\ubb34 \uace0\uac1d<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"width: 110px; text-align: center; font-weight: bold;\">\ud22c\uc790 \uae30\uac04<\/td>\n<td style=\"width: 125px; text-align: center;\">181\uc77c<\/td>\n<td style=\"width: 125px; text-align: center;\">365\uc77c<\/td>\n<td style=\"width: 125px; text-align: center;\">181\uc77c<\/td>\n<td style=\"width: 125px; text-align: center;\">365\uc77c<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 110px; text-align: center; font-weight: bold;\">\ud2b9\ud310 \uae08\ub9ac<\/td>\n<td style=\"width: 125px; text-align: center;\">4.70%<\/td>\n<td style=\"width: 125px; text-align: center;\">5.05%<\/td>\n<td style=\"width: 125px; text-align: center;\">4.70%<\/td>\n<td style=\"width: 125px; text-align: center;\">5.00%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 110px; text-align: center; font-weight: bold;\">\ud310\ub9e4\uae30\uac04<\/td>\n<td style=\"text-align: center;\" colspan=\"4\">10\uc6d4 12\uc77c ~ 12\uc6d4 30\uc77c<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 110px; text-align: center; font-weight: bold;\">\ucd5c\uc18c \ub9e4\uc218<br \/>\n\uae08\uc561<\/td>\n<td style=\"text-align: center;\" colspan=\"2\">100\ub9cc\uc6d0<\/td>\n<td style=\"text-align: center;\" colspan=\"2\">1,000\ub9cc\uc6d0<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 110px; text-align: center; font-weight: bold;\">\ucd5c\uace0 \ub9e4\uc218<br \/>\n\uae08\uc561<\/td>\n<td style=\"text-align: center;\" colspan=\"2\">300\ub9cc\uc6d0<\/td>\n<td style=\"text-align: center;\" colspan=\"2\">3\uc5b5\uc6d0<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 110px; text-align: center; font-weight: bold;\">\ud310\ub9e4 \ud55c\ub3c4<\/td>\n<td style=\"width: 125px; text-align: center;\">500\uc5b5\uc6d0<\/td>\n<td style=\"width: 125px; text-align: center;\">1,000\uc5b5\uc6d0<\/td>\n<td style=\"width: 125px; text-align: center;\">420\uc5b5\uc6d0<\/td>\n<td style=\"width: 125px; text-align: center;\">900\uc5b5\uc6d0<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>*\ucd5c\ucd08 \uc2e0\uaddc: \ub2f9\uc0ac(\ub098\ubb34, N2) \ucd5c\ucd08 \uacc4\uc88c\uac1c\uc124\uc77c\uc774 26\ub144 10\uc6d4 1\uc77c \uc774\ud6c4\uc778 \uace0\uac1d<br \/>\n*\ud574\ub2f9 \uc0c1\ud488\uc740 \uc120\ucc29\uc21c \ubaa8\uc9d1\uc73c\ub85c, \ud55c\ub3c4 \uc18c\uc9c4 \uc2dc \uc870\uae30 \uc885\ub8cc\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*\uae30\ubcf8\uc218\uc775\ub960 \uc5f0 4.05%(\uc138\uc804) \u203b\uc774\ubca4\ud2b8 \uc885\ub8cc \ud6c4 \uae30\ubcf8\uc218\uc775\ub960 \uc801\uc6a9<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_%EC%9D%B4%EB%9F%B0_%EB%B6%84%EA%BB%98_%EC%B6%94%EC%B2%9C%EB%93%9C%EB%A6%BD%EB%8B%88%EB%8B%A4\"><\/span>2) \uc774\ub7f0 \ubd84\uaed8 \ucd94\ucc9c\ub4dc\ub9bd\ub2c8\ub2e4<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\ub098\ubb34\uc99d\uad8c \ubc1c\ud589\uc5b4\uc74c\uc740 \ub2e4\uc74c\uacfc \uac19\uc740 \ud22c\uc790\uc790\uc5d0\uac8c \ud2b9\ud788 \uc801\ud569\ud569\ub2c8\ub2e4.<\/p>\n<ul>\n<li><strong>\uc5ec\uc720\uc790\uae08\uc744 \ub2e8\uae30\uac04 \uc6b4\uc6a9\ud560 \ubc29\ubc95\uc744 \ucc3e\ub294 \ud22c\uc790\uc790<\/strong><\/li>\n<li><strong>\ud22c\uc790 \uae30\uac04\uacfc \uc57d\uc815\uc218\uc775\ub960\uc744 \ubbf8\ub9ac \ud655\uc778\ud558\uace0 \ud22c\uc790\ud558\uace0 \uc2f6\uc740 \ud22c\uc790\uc790 <\/strong><\/li>\n<li><strong>\uc18c\uc561\ubd80\ud130 \ubc1c\ud589\uc5b4\uc74c \ud22c\uc790\ub97c \uc2dc\uc791\ud574\ubcf4\uace0 \uc2f6\uc740 \ud22c\uc790\uc790<\/strong><\/li>\n<\/ul>\n<p><a href=\"https:\/\/m.mynamuh.com\/main\/main?utm_source=nnt&amp;utm_medium=blog&amp;utm_campaign=namuh_issued_note\" target=\"_blank\" rel=\"noopener\">\uc9c0\uae08 \ub098\ubb34\uc99d\uad8c\uc5d0\uc11c \uc790\uc138\ud788 \ubcf4\uae30<\/a><\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"FAQ_%EC%9E%90%EC%A3%BC_%ED%95%98%EB%8A%94_%EC%A7%88%EB%AC%B8\"><\/span>[FAQ] \uc790\uc8fc \ud558\ub294 \uc9c8\ubb38<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h4><span class=\"ez-toc-section\" id=\"Q_%EB%B0%9C%ED%96%89%EC%96%B4%EC%9D%8C_%EB%A7%8C%EA%B8%B0%EC%9D%BC%EC%9D%B4_%EC%A3%BC%EB%A7%90%C2%B7%EA%B3%B5%ED%9C%B4%EC%9D%BC%EC%9D%B4%EB%A9%B4_%EC%96%B8%EC%A0%9C_%EC%83%81%ED%99%98%EB%90%98%EB%82%98%EC%9A%94\"><\/span>Q. \ubc1c\ud589\uc5b4\uc74c \ub9cc\uae30\uc77c\uc774 \uc8fc\ub9d0\u00b7\uacf5\ud734\uc77c\uc774\uba74 \uc5b8\uc81c \uc0c1\ud658\ub418\ub098\uc694?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>A. \ub9cc\uae30\uac00 \ub3c4\ub798\ud558\uba74 \uc790\ub3d9\uc73c\ub85c \uc0c1\ud658\ub429\ub2c8\ub2e4. \ub9cc\uae30\uc77c\uc774 \ube44\uc601\uc5c5\uc77c\uc778 \uacbd\uc6b0\uc5d0\ub294 \ub2e4\uc74c \uc601\uc5c5\uc77c\uc5d0 \uc0c1\ud658\ub429\ub2c8\ub2e4.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Q_%EA%B8%89%ED%95%98%EA%B2%8C_%EC%A4%91%EB%8F%84_%ED%95%B4%EC%A7%80%ED%95%98%EB%A9%B4_%EC%9B%90%EA%B8%88_%EC%86%90%EC%8B%A4%EC%9D%B4_%EB%82%98%EB%82%98%EC%9A%94\"><\/span>Q. \uae09\ud558\uac8c \uc911\ub3c4 \ud574\uc9c0\ud558\uba74 \uc6d0\uae08 \uc190\uc2e4\uc774 \ub098\ub098\uc694?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>A. \uc911\ub3c4\ud574\uc9c0\ub97c \ud588\ub2e4\ub294 \uc774\uc720\ub9cc\uc73c\ub85c \uc6d0\uae08\uc774 \uc904\uc5b4\ub4e4\uc9c0\ub294 \uc54a\uc9c0\ub9cc, \uc815\uc0c1 \uc57d\uc815\uae08\ub9ac\ubcf4\ub2e4 \ud06c\uac8c \ub0ae\uc740 \uc911\ub3c4\ud574\uc9c0 \uc218\uc775\ub960\uc774 \uc801\uc6a9\ub429\ub2c8\ub2e4. \uc77c\ubd80 \uae08\uc561\ub9cc \ud574\uc9c0\ud558\ub294 &#8216;\uc77c\ubd80 \uc0c1\ud658&#8217;\uc740 \ubd88\uac00\ub2a5\ud558\uba70, \ub9e4\uc218 \uac74 \uc804\uc561 \ud574\uc9c0\ub9cc \uac00\ub2a5\ud569\ub2c8\ub2e4.<br \/>\n(\ubc1c\ud589\uc0ac \uc2e0\uc6a9\uc704\ud5d8\uc740 \ubcc4\uac1c)<\/p>\n<table style=\"width: 610px; border-collapse: collapse;\" border=\"1\" cellspacing=\"0\" cellpadding=\"5\">\n<thead>\n<tr>\n<th style=\"width: 160px; text-align: center; background-color: #cde990;\"><strong>\uad6c\ubd84<\/strong><\/th>\n<th style=\"width: 150px; text-align: center; background-color: #cde990;\"><strong>\uc911\ub3c4\ud658\ub9e4 \ubd88\uac00<\/strong><\/th>\n<th style=\"width: 150px; text-align: center; background-color: #cde990;\"><strong>\uc911\ub3c4\ud658\ub9e4\uc2dc \ube44\uc6a9\ubc1c\uc0dd<\/strong><\/th>\n<th style=\"width: 150px; text-align: center; background-color: #cde990;\"><strong>\uc911\ub3c4\ud658\ub9e4 \ud5c8\uc6a9<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"width: 160px; text-align: center; font-weight: bold;\">\ubc1c\ud589\uc5b4\uc74c\ud615CMA<br \/>\n\/\uc218\uc2dc\ud615<\/td>\n<td style=\"width: 150px; text-align: center;\"><\/td>\n<td style=\"width: 150px; text-align: center;\"><\/td>\n<td style=\"width: 150px; text-align: center;\">O<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 160px; text-align: center; font-weight: bold;\">\uc57d\uc815\ud615\/\uc801\ub9bd\ud615<\/td>\n<td style=\"width: 150px; text-align: center;\"><\/td>\n<td style=\"width: 150px; text-align: center;\">O<\/td>\n<td style=\"width: 150px; text-align: center;\"><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Q_%EB%A7%A4%EB%A7%A4_%EA%B0%80%EB%8A%A5_%EC%8B%9C%EA%B0%84%EC%9D%80_%EC%96%B4%EB%96%BB%EA%B2%8C_%EB%90%98%EB%82%98%EC%9A%94\"><\/span>Q. \ub9e4\ub9e4 \uac00\ub2a5 \uc2dc\uac04\uc740 \uc5b4\ub5bb\uac8c \ub418\ub098\uc694?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>A. \ub9e4\ub9e4 \uac00\ub2a5 \uc2dc\uac04\uc740 \uc6d0\ud654\uc640 \uc678\ud654\uc5d0 \ub530\ub77c \ub2e4\ub985\ub2c8\ub2e4.<\/p>\n<p><strong>\uc6d0\ud654 \ubc1c\ud589\uc5b4\uc74c<\/strong><\/p>\n<ul>\n<li>\ub9e4\uc218: [\uc601\uc5c5\uc77c] 08:00~16:30 (\ub2f9\uc0ac \uc601\uc5c5\uc2dc\uac04\uc5d0 \ub530\ub77c \ubcc0\ub3d9 \uac00\ub2a5)<\/li>\n<li>\ub9e4\ub3c4: [\ube44\uc601\uc5c5\uc77c \ud3ec\ud568] 24\uc2dc\uac04 (\uc2dc\uc2a4\ud15c \uc815\uc0b0 \uc2dc\uac04 23:50~24:30 \uc81c\uc678)<\/li>\n<\/ul>\n<p><strong>\uc678\ud654 \ubc1c\ud589\uc5b4\uc74c<\/strong><\/p>\n<ul>\n<li>\ub9e4\uc218\/\ub9e4\ub3c4: [\uc601\uc5c5\uc77c] 09:30~15:00 (\ub2f9\uc0ac \uc601\uc5c5\uc2dc\uac04\uc5d0 \ub530\ub77c \ubcc0\ub3d9 \uac00\ub2a5)<\/li>\n<\/ul>\n<p><a href=\"https:\/\/m.mynamuh.com\/finance\/bond\/bond\/npaList?utm_source=nnt&amp;utm_medium=blog&amp;utm_campaign=namuh_issued_note\" target=\"_blank\" rel=\"noopener\">\ub098\ubb34\uc99d\uad8c \ubc1c\ud589\uc5b4\uc74c \ub9ac\uc2a4\ud2b8 \ubc14\ub85c\ubcf4\uae30<\/a><\/p>\n<p>&nbsp;<\/p>\n<p>\ubc1c\ud589\uc5b4\uc74c\uc740 \uc99d\uad8c\uc0ac\uc758 \uc2e0\uc6a9\uc744 \ubc14\ud0d5\uc73c\ub85c \uc57d\uc815\ud55c \uc218\uc775\ub960\uc744 \uc81c\uacf5\ud558\ub294 \uc0c1\ud488\uc73c\ub85c, \uc9e7\uc740 \uae30\uac04 \ub3d9\uc548 \uc5ec\uc720\uc790\uae08\uc744 \uc6b4\uc6a9\ud560 \ub54c \ud65c\uc6a9\ud560 \uc218 \uc788\ub294 \ub2e8\uae30\uae08\uc735\uc0c1\ud488\uc785\ub2c8\ub2e4. \ub2e4\ub9cc \uc608\uae08\uc790\ubcf4\ud638\uac00 \uc801\uc6a9\ub418\uc9c0 \uc54a\ub294 \ub9cc\ud07c, \uac00\uc785 \uc804\uc5d0 \uc790\uae08\uc758 \uc131\uaca9\uc5d0 \ub9de\ub294 \uc720\ud615\uacfc \ubc1c\ud589\uc0ac\uc758 \uc2e0\ub8b0\ub3c4\ub97c \ud568\uaed8 \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\ubc1c\ud589\uc5b4\uc74c \ud22c\uc790\ub97c \uace0\ub824\ud558\uace0 \uc788\ub2e4\uba74, \uc55e\uc11c \uc0b4\ud3b4\ubcf8 \uc0c1\ud488\uc758 \uad6c\uc870\uc640 \uc720\uc758\uc0ac\ud56d\uc744 \ubc14\ud0d5\uc73c\ub85c \ub098\ubb34\uc99d\uad8c \ubc1c\ud589\uc5b4\uc74c \ud2b9\ud310\uc758 \uc801\uc6a9 \uae08\ub9ac\uc640 \uac00\uc785 \uc870\uac74\uc744 \ud655\uc778\ud574\ubcf4\uc138\uc694.<\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><strong>\ub098\ubb34\uc99d\uad8c\uc5d0\uc11c \ubc1c\ud589\uc5b4\uc74c \ud22c\uc790 \uc2dc\uc791\ud558\uae30<\/strong><\/p>\n<p style=\"text-align: center;\"><a class=\"maxbutton-1 maxbutton maxbutton-eb8298ebacb4eca69deab68c-ebb094eba19ceab080eab8b0\" href=\"https:\/\/link.mynamuh.com\/00alzv\" target=\"_blank\" rel=\"noopener\"><span class='mb-text'>\ub098\ubb34\uc99d\uad8c \ubc14\ub85c\uac00\uae30<\/span><\/a><\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n<div style=\"line-height: 1.2; font-size: 12px; color: #888888;\">NH\ud22c\uc790\uc99d\uad8c \uc900\ubc95\uac10\uc2dc\uc778 \uc2ec\uc0ac\ud544 \uc81c2026-1743\ud638 (2026-10-07~2027-10-06)<br \/>\n<strong>\ud22c\uc790 \uc720\uc758\uc0ac\ud56d<br \/>\n<\/strong>\u203b \ud22c\uc790\uc790\ub294 \uae08\uc735\ud22c\uc790\uc0c1\ud488(\ubc1c\ud589\uc5b4\uc74c)\uc5d0 \ub300\ud558\uc5ec \ub2f9\uc0ac\ub85c\ubd80\ud130 \ucda9\ubd84\ud55c \uc124\uba85\uc744 \ubc1b\uc744 \uad8c\ub9ac\uac00 \uc788\uc73c\uba70, \ud22c\uc790 \uc804 \uc124\uba85\uc11c \ubc0f \uc57d\uad00\uc744 \ubc18\ub4dc\uc2dc \uc77d\uc5b4 \ubcf4\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<br \/>\n[\ubc1c\ud589\uc5b4\uc74c]<br \/>\n<img decoding=\"async\" class=\"alignleft wp-image-645\" src=\"https:\/\/www.mynamuhbegin.com\/blog\/wp-content\/uploads\/2026\/09\/\uc608\uae08\uc790-\ube44\ubcf4\ud638.png\" alt=\"\ubbf8\uad6d\uc8fc\uc2dd \uac70\ub798\uc2dc\uac04,\ubbf8\uad6d\uc8fc\uc2dd\uc2dc\uac04,\ubbf8\uad6d\uc8fc\uc2dd \ud734\uc7a5\uc77c,\uc560\ud504\ud130\ub9c8\ucf13,\ud504\ub9ac\ub9c8\ucf13,\ubbf8\uad6d\uc8fc\uc2dd,\ubbf8\uad6d\uc8fc\uc2dd\uc8fc\uac04\uac70\ub798\" width=\"53\" height=\"34\" \/>\uc774 \uae08\uc735\ud22c\uc790\uc0c1\ud488(\ubc1c\ud589\uc5b4\uc74c)\uc740 \uc608\uae08\uc790\ubcf4\ud638\ubc95\uc5d0 \ub530\ub77c \ubcf4\ud638\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n<p style=\"margin: 0; line-height: 1.5; text-align: left; clear: both; display: block; width: 100%;\">\u203b \ubc1c\ud589\uc5b4\uc74c\uc740 \uc790\uc0b0\uac00\uaca9 \ubcc0\ub3d9, \ud658\uc728 \ubcc0\ub3d9, \uc2e0\uc6a9\ub4f1\uae09 \ud558\ub77d \ub4f1\uc5d0 \ub530\ub77c \ud22c\uc790\uc6d0\uae08\uc758 \uc190\uc2e4(0~100%)\uc774 \ubc1c\uc0dd\ud560 \uc218 \uc788\uc73c\uba70, \uadf8 \uc190\uc2e4\uc740 \ud22c\uc790\uc790\uc5d0\uac8c \uadc0\uc18d\ub429\ub2c8\ub2e4.<br \/>\n\u203b \ubc1c\ud589\uc5b4\uc74c \uc218\uc775\ub960\uc740 \uc785\uae08 \uc2dc \ud68c\uc0ac\uac00 \uace0\uc2dc\ud558\ub294 \uc57d\uc815\uc218\uc775\ub960\uc774 \uc801\uc6a9\ub418\uba70, \uc774\ub294 \uc2dc\uc7a5\uae08\ub9ac \uc0c1\ud669 \ub4f1\uc5d0 \ub530\ub77c \ubcc0\ub3d9\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n\u203b \ubc1c\ud589\uc5b4\uc74c\uc740 \ubc1c\ud589\uc0ac(AA+, 2026.03.25, \ud55c\uad6d\uae30\uc5c5\ud3c9\uac00) \uc790\uae30\uc2e0\uc6a9 \ubc1c\ud589\ud55c \uc57d\uc18d\uc5b4\uc74c\uc73c\ub85c \uc774\ub97c \ub9e4\uc218\ud55c \uace0\uac1d\uc740 \ubc1c\ud589\uc0ac\uc758 \uc2e0\uc6a9\uc704\ud5d8\uc5d0 \ub178\ucd9c\ub418\uba70, \ubc1c\ud589\uc0ac\uc758 \ubd80\ub3c4 \ub610\ub294 \ud30c\uc0b0 \uc2dc \uc6d0\uae08\uc190\uc2e4 \uc704\ud5d8\uc774 \ubc1c\uc0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n\u203b \ud22c\uc790\uc801\uaca9\ub4f1\uae09\uc740 AAA\/AA\/A\/BBB \uac01+, 0, -\uc21c\uc73c\ub85c \uad6c\ubd84\ub429\ub2c8\ub2e4.<br \/>\n\u203b \u25b7NH\ud22c\uc790\uc99d\uad8c \ud648\ud398\uc774\uc9c0 &gt; \ud68c\uc0ac\uc18c\uac1c &gt; IR\uc815\ubcf4 &gt; IR\uc790\ub8cc\uc2e4 &gt; \uc2e0\uc6a9\ud3c9\uac00\ub4f1\uae09<br \/>\n\u203b \u25b7\ud55c\uad6d\uae30\uc5c5\ud3c9\uac00 \ud648\ud398\uc774\uc9c0(<a href=\"http:\/\/www.korearatings.com\/\" target=\"_blank\" rel=\"noopener\">www.korearatings.com<\/a>)<br \/>\n\u203b \ubc1c\ud589\uc5b4\uc74c\uc758 \ub9cc\uae30 \uc804 \ub9e4\ub3c4 \uc2dc \uc801\uc6a9\ub418\ub294 \uc911\ub3c4\uc778\ucd9c\uc218\uc775\ub960\uc740 \uc0c1\ud488\ubcc4\ub85c \uc0ac\uc804\uc5d0 \uace0\uc2dc\ud55c \uc911\ub3c4\uc778\ucd9c\uc218\uc775\ub960\uc774 \uc801\uc6a9\ub429\ub2c8\ub2e4.<br \/>\n\u203b \uc911\ub3c4\uc778\ucd9c\uc218\uc775\ub960\uc740 \uc57d\uc815\uc218\uc775\ub960\uacfc \ub3d9\uc77c\ud558\uac70\ub098 \uc57d\uc815\uc218\uc775\ub960\ubcf4\ub2e4 \ub0ae\uc740 \uc218\uc775\ub960 (\uc57d\uc815\uc218\uc775\ub960\uc758 50% \ub610\ub294 \uc5f0 1%)\uc774 \uc801\uc6a9\ub429\ub2c8\ub2e4. (\ubc1c\ud589\uc5b4\uc74c(2~365\uc77c) : \uc57d\uc815\uc218\uc775\ub960\uc758 50%, \uc801\ub9bd\ud615 \ubc1c\ud589\uc5b4\uc74c : \uc5f0 1.00%)<br \/>\n\u203b \ubc1c\ud589\uc5b4\uc74c\uc740 \ud68c\uc0ac \uc0ac\uc815\uc5d0 \ub530\ub77c \ud55c\ub3c4\uc18c\uc9c4 \uc2dc \ub9c8\uac10\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\ubc1c\ud589\uc5b4\uc74c\uc774\ub780 \ubb34\uc5c7\uc77c\uae4c\uc694? \uc544\uc9c1 \uc774 \uac1c\ub150\ubd80\ud130 \uc5b4\ub824\uc6b4 \ucd08\ubcf4 \ud22c\uc790\uc790\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \uc774\ub4e4\uc744 \uc704\ud574 \ubc1c\ud589\uc5b4\uc74c \uc704\ud5d8\uc131\uacfc \uc885\ub958 \ub4f1 \uaf2d \uc54c\uc544\uc57c \ud560 \uc0ac\ud56d\uc744 \ud55c\uaebc\ubc88\uc5d0 \uc815\ub9ac\ud588\uc2b5\ub2c8\ub2e4. <\/p>\n","protected":false},"author":1,"featured_media":787,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[155],"tags":[21,181,182,180,178,177,175,176,179],"class_list":["post-783","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-155","tag-21","tag-181","tag-182","tag-180","tag-178","tag-177","tag-175","tag-cma","tag-179","col-md-6 col-sm-6"],"acf":{"persona":""},"_links":{"self":[{"href":"https:\/\/www.mynamuhbegin.com\/blog\/wp-json\/wp\/v2\/posts\/783","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mynamuhbegin.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mynamuhbegin.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mynamuhbegin.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mynamuhbegin.com\/blog\/wp-json\/wp\/v2\/comments?post=783"}],"version-history":[{"count":5,"href":"https:\/\/www.mynamuhbegin.com\/blog\/wp-json\/wp\/v2\/posts\/783\/revisions"}],"predecessor-version":[{"id":793,"href":"https:\/\/www.mynamuhbegin.com\/blog\/wp-json\/wp\/v2\/posts\/783\/revisions\/793"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mynamuhbegin.com\/blog\/wp-json\/wp\/v2\/media\/787"}],"wp:attachment":[{"href":"https:\/\/www.mynamuhbegin.com\/blog\/wp-json\/wp\/v2\/media?parent=783"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mynamuhbegin.com\/blog\/wp-json\/wp\/v2\/categories?post=783"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mynamuhbegin.com\/blog\/wp-json\/wp\/v2\/tags?post=783"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}