{"id":637,"date":"2026-04-23T10:47:49","date_gmt":"2026-04-23T01:47:49","guid":{"rendered":"https:\/\/vr6st0gqi01k.vh.share-svr.com\/?p=637"},"modified":"2026-04-23T10:47:49","modified_gmt":"2026-04-23T01:47:49","slug":"%ea%b0%95%ec%9b%90%eb%86%8d%ec%97%85%ea%b8%b0%ec%88%a0%ec%9b%90-%ec%a4%91%eb%8f%99%ec%a0%84%ec%9f%81-%eb%8c%80%ec%9d%91-%eb%86%8d%ea%b0%80-%ea%b2%bd%ec%98%81%eb%b9%84-%ec%a0%88%ea%b0%90-%ea%b8%b0","status":"publish","type":"post","link":"https:\/\/which-advisor.com\/?p=637","title":{"rendered":"\uac15\uc6d0\ub18d\uc5c5\uae30\uc220\uc6d0, \uc911\ub3d9\uc804\uc7c1 \ub300\uc751 \ub18d\uac00 \uacbd\uc601\ube44 \uc808\uac10 \uae30\uc220\uc9c0\uc6d0 \uac15\ud654"},"content":{"rendered":"\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"866\" src=\"https:\/\/vr6st0gqi01k.vh.share-svr.com\/wp-content\/uploads\/2026\/04\/PCM20231102000293990_P4.jpg\" alt=\"\uac15\uc6d0\ud2b9\ubcc4\uc790\uce58\ub3c4\ub18d\uc5c5\uae30\uc220\uc6d0\" class=\"wp-image-638\" srcset=\"https:\/\/which-advisor.com\/wp-content\/uploads\/2026\/04\/PCM20231102000293990_P4.jpg 1200w, https:\/\/which-advisor.com\/wp-content\/uploads\/2026\/04\/PCM20231102000293990_P4-300x217.jpg 300w, https:\/\/which-advisor.com\/wp-content\/uploads\/2026\/04\/PCM20231102000293990_P4-1024x739.jpg 1024w, https:\/\/which-advisor.com\/wp-content\/uploads\/2026\/04\/PCM20231102000293990_P4-768x554.jpg 768w\" sizes=\"auto, (max-width: 767px) 89vw, (max-width: 1000px) 54vw, (max-width: 1071px) 543px, 580px\" \/><figcaption class=\"wp-element-caption\"><strong>\uac15\uc6d0\ud2b9\ubcc4\uc790\uce58\ub3c4\ub18d\uc5c5\uae30\uc220\uc6d0<\/strong>[\uc5f0\ud569\ub274\uc2a4 \uc790\ub8cc\uc0ac\uc9c4]<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">(\ucd98\ucc9c=\uc5f0\ud569\ub274\uc2a4) \uc591\uc9c0\uc6c5 \uae30\uc790 = \uac15\uc6d0\ud2b9\ubcc4\uc790\uce58\ub3c4\ub18d\uc5c5\uae30\uc220\uc6d0\uc740 \uc911\ub3d9\uc804\uc7c1 \uc7a5\uae30\ud654\ub85c \uc778\ud55c \uad6d\uc81c \uc6d0\uc790\uc7ac \uac00\uaca9\uc0c1\uc2b9\uacfc \ubb34\uae30\uc9c8 \ube44\ub8cc \uc218\uae09 \ubd88\uc548\uc774 \ub354\ud558\ub294 \uac00\uc6b4\ub370 \ub18d\uac00 \uacbd\uc601\ube44\ub97c \uc808\uac10\ud560 \uc218 \uc788\ub294 \uae30\uc220\uc9c0\uc6d0\uc744 \uac15\ud654\ud55c\ub2e4\uace0 23\uc77c \ubc1d\ud614\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774\ub97c \uc704\ud574 18\uc5b5\uc5ec\uc6d0\uc744 \ub4e4\uc5ec \ub18d\ucd0c\uc9c4\ud765\uccad\uc5d0\uc11c \uc5f0\uad6c \uac1c\ubc1c\ud55c \uc5d0\ub108\uc9c0\u00b7\uc0ac\ub8cc\ube44\u00b7\ube44\ub8cc \ub4f1 12\uac1c \uc808\uac10 \uae30\uc220\uc744 \uc801\uc6a9\ud55c 15\uac1c \uc2e0\uae30\uc220 \ubcf4\uae09\uc0ac\uc5c5\uc744 \uc601\ub18d \ud604\uc7a5\uc5d0 \uc2e0\uc18d\ud788 \uc548\ucc29\ud560 \uc218 \uc788\ub3c4\ub85d \ud604\uc7a5 \uae30\uc220\uc9c0\uc6d0\ub2e8\uc744 \uad6c\uc131\ud558\uace0 \uad00\uacc4\uae30\uad00\uacfc \ud568\uaed8 \ub9de\ucda4\ud615 \ucee8\uc124\ud305\uc744 \uc81c\uacf5\ud55c\ub2e4.\uc2dc\uc124\uc6d0\uc608 \ub18d\uac00\uc5d0\ub294 \uace0\uc628\uae30 \ub0b4\ubd80 \uc628\ub3c4\ub97c \ub0ae\ucd9c \uc218 \uc788\ub294 \ucc28\uad11\ub3c4\ud3ec\uc81c, \ubbf8\uc138 \uc0b4\uc218 \ub0c9\ubc29 \uc2dc\uc2a4\ud15c\uacfc \ud568\uaed8 \ub18d\uc5c5\uae30\uacc4 \uc5f0\ub8cc \uc0ac\uc6a9\ub7c9\uc744 \ucd5c\ub300 17.7%\uae4c\uc9c0 \uc808\uac10\ud560 \uc218 \uc788\ub294 &#8216;\ubcbc \ub9c8\ub978\ub17c \uc368\ub808\uc9c8&#8217; \uae30\uc220\uc744 \ubcf4\uae09\ud55c\ub2e4.\uc218\uc785 \uc758\uc874\ub3c4\uac00 \ub192\uc740 \uc0ac\ub8cc\ube44 \uc808\uac10\uc744 \uc704\ud55c \uc815\ubc00 \uc0ac\uc591 \uae30\uc220 \ubcf4\uae09\uacfc \uc218\uc785 \ud488\uc885\uc744 \ub300\uccb4\ud560 \uad6d\ub0b4 \uc721\uc131 \uc2e0\ud488\uc885 \uc0ac\ub8cc\uc791\ubb3c \uc7ac\ubc30\ub97c \ud655\ub300\ud558\uace0, \ud55c\uc6b0 \ub18d\uac00\uc5d0\ub294 \ub18d\uc0b0\ubd80\uc0b0\ubb3c\uc744 \ud65c\uc6a9\ud55c \uc790\uac00 \uc12c\uc720\uc9c8\ubc30\ud569\uc0ac\ub8cc(TMR) \uc81c\uc870 \uae30\uc220\uc744 \uc9c0\uc6d0\ud55c\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud2b9\ud788 \uc791\ubb3c\uc744 \uc2ec\uae30 \uc804 \ud1a0\uc591\uc744 \ucc44\ucde8\ud574 \ud574\ub2f9 \uc2dc\uad70\ub18d\uc5c5\uae30\uc220\uc13c\ud130\uc5d0 \ud1a0\uc591\uac80\uc815\uc744 \uc758\ub8b0\ud558\uba74 \ubd84\uc11d \uacb0\uacfc\ub97c \ubc14\ud0d5\uc73c\ub85c &#8216;\ube44\ub8cc\uc0ac\uc6a9\ucc98\ubc29\uc11c&#8217;\ub97c \ubb34\ub8cc\ub85c \ubc1c\uae09\ubc1b\uc744 \uc218 \uc788\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774\ub97c \uae30\uc900\uc73c\ub85c \uc791\ubb3c\uacfc \uc0dd\uc721 \uc2dc\uae30\uc5d0 \ub9de\ucdb0 \uad8c\uc7a5\ub7c9\ub9cc\ud07c \ube44\ub8cc\ub97c \uc0ac\uc6a9\ud574 \ub204\uad6c\ub098 \uc27d\uac8c \ube44\ub8cc \uc808\uac10 \uae30\uc220\uc744 \uc2e4\ucc9c\ud560 \uc218 \uc788\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud1f4\ube44\u00b7\uc561\ube44\uc758 \ubd80\uc219\ub3c4\uc640 \uc131\ubd84 \ubd84\uc11d \uc5ed\uc2dc \uc2dc\uad70\ub18d\uc5c5\uae30\uc220\uc13c\ud130\uc5d0\uc11c \ubb34\ub8cc\ub85c \uc9c0\uc6d0\ud558\uace0 \uc788\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc544\uc6b8\ub7ec \ube44\ub8cc \uc0ac\uc6a9 \uc778\uc2dd \uc804\ud658\uacfc \ub18d\uc5c5\uc778\uc758 \uc790\ubc1c\uc801 \ucc38\uc5ec\ub97c \uc720\ub3c4\ud558\uae30 \uc704\ud574 \ub18d\ucd0c\uc9c4\ud765\uccad, \ub3c4 \ub18d\uc5c5\uae30\uc220\uc6d0, \uc2dc\uad70\ub18d\uc5c5\uae30\uc220\uc13c\ud130 \ubc0f \ub18d\uc5c5\uc778\ub2e8\uccb4\uac00 \ud568\uaed8 \ucc38\uc5ec\ud558\ub294 &#8216;\ube44\ub8cc \uc0ac\uc6a9 \ucc98\ubc29 \uc801\uc815 \uc2dc\ube44 \uc2e4\ucc9c&#8217; \ucea0\ud398\uc778\uacfc \uad50\uc721 \ub4f1\ub3c4 \uc9c0\uc18d\ud574\uc11c \ud3bc\uce60 \uc608\uc815\uc774\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc720\ud0dd\uadfc \uae30\uc220\ubcf4\uae09\uacfc\uc7a5\uc740 &#8220;\uc911\ub3d9\uc804\uc7c1 \ub4f1 \uc678\ubd80 \uc694\uc778\uc5d0 \uc758\ud55c \ube44\ub8cc \uac00\uaca9\uc0c1\uc2b9\uc740 \ub18d\uac00\uc5d0 \ud070 \uc704\ud611\uc774\uc9c0\ub9cc, \uacfc\ud559\uc801\uc778 \ud1a0\uc591 \uad00\ub9ac\uc640 \uc801\uc815 \ube44\ub8cc\ub7c9 \ud22c\uc785\uc744 \uc9c0\uc6d0\ud574 \uc601\ub18d \uacbd\uc601\ube44 \uc808\uac10\uc5d0 \uc774\ubc14\uc9c0\ud558\uaca0\ub2e4&#8221;\uace0 \ub9d0\ud588\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>(\ucd98\ucc9c=\uc5f0\ud569\ub274\uc2a4) \uc591\uc9c0\uc6c5 \uae30\uc790 = \uac15\uc6d0\ud2b9\ubcc4\uc790\uce58\ub3c4\ub18d\uc5c5\uae30\uc220\uc6d0\uc740 \uc911\ub3d9\uc804\uc7c1 \uc7a5\uae30\ud654\ub85c \uc778\ud55c \uad6d\uc81c \uc6d0\uc790\uc7ac \uac00\uaca9\uc0c1\uc2b9\uacfc \ubb34\uae30\uc9c8 \ube44\ub8cc \uc218\uae09 \ubd88\uc548\uc774 \ub354\ud558\ub294 \uac00\uc6b4\ub370 \ub18d\uac00 \uacbd\uc601\ube44\ub97c \uc808\uac10\ud560 \uc218 \uc788\ub294 \uae30\uc220\uc9c0\uc6d0\uc744 \uac15\ud654\ud55c\ub2e4\uace0 23\uc77c \ubc1d\ud614\ub2e4. \uc774\ub97c \uc704\ud574 18\uc5b5\uc5ec\uc6d0\uc744 \ub4e4\uc5ec \ub18d\ucd0c\uc9c4\ud765\uccad\uc5d0\uc11c \uc5f0\uad6c \uac1c\ubc1c\ud55c \uc5d0\ub108\uc9c0\u00b7\uc0ac\ub8cc\ube44\u00b7\ube44\ub8cc \ub4f1 12\uac1c \uc808\uac10 \uae30\uc220\uc744 \uc801\uc6a9\ud55c 15\uac1c \uc2e0\uae30\uc220 \ubcf4\uae09\uc0ac\uc5c5\uc744 \uc601\ub18d \ud604\uc7a5\uc5d0 \uc2e0\uc18d\ud788 \uc548\ucc29\ud560 \uc218 \uc788\ub3c4\ub85d \ud604\uc7a5 \uae30\uc220\uc9c0\uc6d0\ub2e8\uc744 \uad6c\uc131\ud558\uace0 \uad00\uacc4\uae30\uad00\uacfc \ud568\uaed8 \ub9de\ucda4\ud615 \ucee8\uc124\ud305\uc744 &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/which-advisor.com\/?p=637\" class=\"more-link\">\ub354 \ubcf4\uae30<span class=\"screen-reader-text\"> &#8220;\uac15\uc6d0\ub18d\uc5c5\uae30\uc220\uc6d0, \uc911\ub3d9\uc804\uc7c1 \ub300\uc751 \ub18d\uac00 \uacbd\uc601\ube44 \uc808\uac10 \uae30\uc220\uc9c0\uc6d0 \uac15\ud654&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7,6],"tags":[],"class_list":["post-637","post","type-post","status-publish","format-standard","hentry","category-7","category-6"],"_links":{"self":[{"href":"https:\/\/which-advisor.com\/index.php?rest_route=\/wp\/v2\/posts\/637","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/which-advisor.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/which-advisor.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/which-advisor.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/which-advisor.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=637"}],"version-history":[{"count":1,"href":"https:\/\/which-advisor.com\/index.php?rest_route=\/wp\/v2\/posts\/637\/revisions"}],"predecessor-version":[{"id":639,"href":"https:\/\/which-advisor.com\/index.php?rest_route=\/wp\/v2\/posts\/637\/revisions\/639"}],"wp:attachment":[{"href":"https:\/\/which-advisor.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=637"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/which-advisor.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=637"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/which-advisor.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=637"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}