{"id":154,"date":"2026-07-21T21:23:01","date_gmt":"2026-07-21T21:23:01","guid":{"rendered":"https:\/\/hom2box.com\/wordpress\/cma-account-vs-parking-account-comparison-2026\/"},"modified":"2026-07-21T21:23:01","modified_gmt":"2026-07-21T21:23:01","slug":"cma-account-vs-parking-account-comparison-2026","status":"publish","type":"post","link":"https:\/\/hom2box.com\/wordpress\/cma-account-vs-parking-account-comparison-2026\/","title":{"rendered":"CMA\uacc4\uc88c \ud30c\ud0b9\ud1b5\uc7a5 \ucc28\uc774 \uc218\uc775\ub960 \ube44\uad50 2026 \uc120\ud0dd \uae30\uc900"},"content":{"rendered":"
\n

CMA\uacc4\uc88c \ud30c\ud0b9\ud1b5\uc7a5 \ucc28\uc774 \uc218\uc775\ub960 \ube44\uad50<\/strong>, \ub9c9\uc0c1 \ub530\uc838\ubcf4\ub824 \ud558\uba74 \uc5b4\ub514\uc11c\ubd80\ud130 \uc2dc\uc791\ud574\uc57c \ud560\uc9c0 \ub9c9\ub9c9\ud55c \ubd84\ub4e4\uc774 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n

\ub458 \ub2e4 '\ud558\ub8e8\ub9cc \ub123\uc5b4\ub3c4 \uc774\uc790\uac00 \ubd99\ub294\ub2e4'\uace0 \uad11\uace0\ud558\uace0, \uc5bc\ud54f \ubcf4\uba74 \uac19\uc740 \uc0c1\ud488\ucc98\ub7fc \ub290\uaef4\uc9d1\ub2c8\ub2e4.<\/p>\n

\uc5ec\ub7ec \ubcf4\ub3c4\uc640 \uae08\uc735\ud22c\uc790\ud611\ud68c \uacf5\uc2dc \uc790\ub8cc\ub97c \uc9c1\uc811 \ube44\uad50\ud574 \ubcf4\ub2c8, \uac08\ub9bc\uae38\uc774 \uc0dd\uac01\ubcf4\ub2e4 \uba85\ud655\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n

\ud575\uc2ec \ubcc0\uc218\ub294 \ub531 \ub450 \uac00\uc9c0\uc785\ub2c8\ub2e4.<\/p>\n

\uc6b0\ub300 \uc870\uac74\uc744 \ucc44\uc6b8 \uc218 \uc788\ub290\ub0d0<\/strong>, \uadf8\ub9ac\uace0 \uc608\uae08\uc790\ubcf4\ud638\uac00 \ud544\uc694\ud558\ub0d0<\/strong>.<\/p>\n

\uc774 \ub450 \uc9c8\ubb38\uc5d0 \uba3c\uc800 \ub2f5\ud558\uace0 \uc77d\uc73c\uba74 \uc120\ud0dd\uc774 \ud6e8\uc52c \ube68\ub77c\uc9d1\ub2c8\ub2e4.<\/p>\n

\"CMA\uacc4\uc88c\uc640
\ud558\ub8e8 \uc774\uc790 \ud55c \ud47c\ub3c4 \ub193\uce58\uc9c0 \uc54a\uc73c\ub824\uba74 \uc120\ud0dd \uae30\uc900\ubd80\ud130 \uc815\ud574\uc57c \ud569\ub2c8\ub2e4.<\/figcaption>
AI \uc0dd\uc131 \uc774\ubbf8\uc9c0\uc785\ub2c8\ub2e4.<\/figcaption><\/figure>\n
\n

CMA\uacc4\uc88c\ub780 \ubb34\uc5c7\uc778\uac00<\/h2>\n

CMA(\uc885\ud569\uc790\uc0b0\uad00\ub9ac\uacc4\uc88c)\ub294 \uc99d\uad8c\uc0ac\uac00 \ud22c\uc790\uc790\uc758 \uc790\uae08\uc744 \ubc1b\uc544 \uae30\uc5c5\uc5b4\uc74c(CP)\u00b7\uad6d\uacf5\ucc44\u00b7\uc591\ub3c4\uc131\uc608\uae08\uc99d\uc11c(CD) \ub4f1 \ub2e8\uae30 \uae08\uc735\uc0c1\ud488\uc5d0 \ud22c\uc790\ud55c \ub4a4 \uadf8 \uc218\uc775\uc744 \ub3cc\ub824\uc8fc\ub294 \uacc4\uc88c\uc785\ub2c8\ub2e4.<\/p>\n

\uc740\ud589 \uc785\ucd9c\uae08 \ud1b5\uc7a5\ucc98\ub7fc \uc790\uc720\ub86d\uac8c \uc4f8 \uc218 \uc788\uace0, \ud558\ub8e8\ub9cc \ub9e1\uaca8\ub3c4 \uc774\uc790\uac00 \uc313\uc785\ub2c8\ub2e4.<\/p>\n

2026\ub144 2\uc6d4 \uae08\uc735\ud22c\uc790\ud611\ud68c \uc9d1\uacc4 \uae30\uc900 CMA \uc794\uace0\ub294 105\uc870 1954\uc5b5 \uc6d0<\/strong>\uc73c\ub85c \ud1b5\uacc4 \uc791\uc131(2006\ub144 6\uc6d4) \uc774\ub798 \uc0ac\uc0c1 \ucd5c\ub300 \uaddc\ubaa8\uc785\ub2c8\ub2e4.<\/p>\n

2025\ub144 12\uc6d4 \ucc98\uc74c\uc73c\ub85c 100\uc870 \uc6d0\uc744 \ub3cc\ud30c\ud55c \ub4a4 \uacc4\uc18d 100\uc870 \uc6d0\uc744 \uc6c3\ub3cc\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ub2e8\uc21c\ud788 '\ud30c\ud0b9\ud615 \uc0c1\ud488\uc774 \uc720\ud589\ud574\uc11c'\uac00 \uc544\ub2d9\ub2c8\ub2e4.<\/p>\n

\uad6d\ub0b4 \uc99d\uc2dc\uac00 \ub2e8\uae30 \uae09\ub4f1\ud558\uba74\uc11c \uace0\uc810 \uc6b0\ub824\ub97c \ub290\ub080 \ud22c\uc790\uc790\ub4e4\uc774 \ub300\uae30 \uc790\uae08\uc744 CMA\uc5d0 \uc7a0\uc2dc \ub9e1\uaca8\ub450\ub294 \ud750\ub984\uc774 \uacb9\ucce4\uc2b5\ub2c8\ub2e4.<\/p>\n

CMA 3\uac00\uc9c0 \uc720\ud615 \ube44\uad50<\/h3>\n

RP\ud615(\ud658\ub9e4\uc870\uac74\ubd80\ucc44\uad8c\ud615)<\/strong><\/p>\n

\uac00\uc7a5 \uc77c\ubc18\uc801\uc778 \uc720\ud615\uc785\ub2c8\ub2e4.<\/p>\n

\uc99d\uad8c\uc0ac\uac00 \uad6d\uacf5\ucc44\u00b7\ud1b5\uc548\ucc44 \ub4f1 \ucc44\uad8c\uc744 \ub9e4\uc218\ud55c \ub4a4 \uc77c\uc815 \uae30\uac04 \ud6c4 \ub418\uc0ac\ub294 \uad6c\uc870\ub85c \uc6b4\uc6a9\ud569\ub2c8\ub2e4.<\/p>\n

\uae08\ub9ac\uac00 \ube44\uad50\uc801 \uc548\uc815\uc801\uc774\uace0, \ud3b8\uc785 \ucc44\uad8c\uc774 \uad6d\uacf5\ucc44\uc778 \uacbd\uc6b0 \uc790\uc0b0 \uc790\uccb4\uc758 \uc548\uc804\uc131\uc740 \ub192\uc2b5\ub2c8\ub2e4.<\/p>\n

MMF\ud615(\uba38\ub2c8\ub9c8\ucf13\ud380\ub4dc\ud615)<\/strong><\/p>\n

\ub2e8\uae30 \uae08\uc735\uc0c1\ud488\uc5d0 \ubd84\uc0b0 \ud22c\uc790\ud558\ub294 \ud380\ub4dc\uc5d0 \uc5f0\ub3d9\ub429\ub2c8\ub2e4.<\/p>\n

RP\ud615\ubcf4\ub2e4 \uae08\ub9ac\uac00 \ub192\uc744 \uc218 \uc788\uc9c0\ub9cc \uc99d\uad8c\uc0ac \uc6b4\uc6a9 \uc2e4\uc801\uc5d0 \ub530\ub77c \uc218\uc775\ub960\uc774 \uc218\uc2dc\ub85c \ubcc0\ub3d9\ub429\ub2c8\ub2e4.<\/p>\n

\ubc1c\ud589\uc5b4\uc74c\ud615<\/strong><\/p>\n

\uc99d\uad8c\uc0ac\uac00 \uc790\uccb4 \uc2e0\uc6a9\uc73c\ub85c \ubc1c\ud589\ud55c \uc5b4\uc74c\uc5d0 \ud22c\uc790\ud558\ub294 \ubc29\uc2dd\uc785\ub2c8\ub2e4.<\/p>\n

\ub300\ud615 \uc99d\uad8c\uc0ac\uac00 \uc8fc\ub85c \uc81c\uacf5\ud558\uba70 \uc218\uc775\ub960\uc774 \ube44\uad50\uc801 \ub192\uc740 \ud3b8\uc785\ub2c8\ub2e4.<\/p>\n

2026\ub144 \ud604\uc7ac \uc99d\uad8c\uc0ac\ub4e4\uc740 \uc720\ud615\uc744 \ucd94\uac00\ud558\uace0 \ud3b8\uc758\uc131\uc744 \uac1c\uc120\ud558\ub294 \ubc29\ud5a5\uc73c\ub85c CMA \uc0c1\ud488\uc131\uc744 \uac15\ud654\ud558\ub294 \ucd94\uc138\uc785\ub2c8\ub2e4.<\/p>\n

\n

\ud30c\ud0b9\ud1b5\uc7a5\uc774\ub780 \ubb34\uc5c7\uc778\uac00<\/h2>\n

\ud30c\ud0b9\ud1b5\uc7a5\uc740 \uc740\ud589\u00b7\uc800\ucd95\uc740\ud589\u00b7\uc778\ud130\ub137\uc740\ud589\uc774 \uc81c\uacf5\ud558\ub294 \uc785\ucd9c\uae08 \uc790\uc720 \uc608\uae08 \uc0c1\ud488\uc785\ub2c8\ub2e4.<\/p>\n

\ucc28\ub97c \uc7a0\uae50 '\uc8fc\ucc28(parking)'\ud558\ub4ef, \ub2e8\uae30 \uc5ec\uc720 \uc790\uae08\uc744 \uc138\uc6cc\ub450\uace0 \ub192\uc740 \uae08\ub9ac\ub97c \ubc1b\ub294\ub2e4\ub294 \ub73b\uc5d0\uc11c \ubd99\uc740 \uc774\ub984\uc785\ub2c8\ub2e4.<\/p>\n

\uc77c\ubc18 \uc785\ucd9c\uae08 \ud1b5\uc7a5 \ub300\ube44 \ub192\uc740 \uae08\ub9ac\ub97c \uc81c\uacf5\ud558\ub294 \uac83\uc774 \ud575\uc2ec\uc785\ub2c8\ub2e4.<\/p>\n

\uadf8\ub7f0\ub370 \uc5ec\uae30\uc11c \ud568\uc815\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc6b0\ub300 \uc870\uac74\uc744 \ucda9\uc871\ud574\uc57c \ucd5c\uace0 \uae08\ub9ac\ub97c \ubc1b\uc744 \uc218 \uc788\ub294 \uad6c\uc870<\/strong>\uac00 \ub300\ubd80\ubd84\uc785\ub2c8\ub2e4.<\/p>\n

\uc870\uac74 \uc608\uc2dc\ub85c\ub294 \uccab \uac70\ub798 \uace0\uac1d \uc6b0\ub300(\uc5f0 1.0%p, 1\ub144 \ud55c\uc2dc), \uc2a4\ub9c8\ud2b8\ubc15\uc2a4 \uc794\uc561 \uc720\uc9c0, \ub124\uc774\ubc84\ud398\uc774 \uc5f0\ub3d9 \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc6b0\ub300 \uc870\uac74\uc744 \ubaa8\ub450 \ucc44\uc6b0\uba74 \uc5f0 4% \uc774\uc0c1 \uae08\ub9ac\ub97c \uc81c\uacf5\ud558\ub294 \uc0c1\ud488\ub3c4 \uc874\uc7ac\ud569\ub2c8\ub2e4.<\/p>\n

\uc870\uac74\uc744 \ucda9\uc871\ud558\uc9c0 \ubabb\ud558\uba74 \uae30\ubcf8 \uae08\ub9ac\ub9cc \uc801\uc6a9\ub3fc \uccb4\uac10 \uc218\uc775\ub960\uc774 \ud06c\uac8c \ub2ec\ub77c\uc9d1\ub2c8\ub2e4.<\/p>\n

\uc774 \ubd80\ubd84\uc774 \ud30c\ud0b9\ud1b5\uc7a5\uc744 \uace0\ub97c \ub54c \uac00\uc7a5 \uba3c\uc800 \ub530\uc838\ubd10\uc57c \ud560 \uc9c0\uc810\uc785\ub2c8\ub2e4.<\/p>\n

\n

CMA\uacc4\uc88c \ud30c\ud0b9\ud1b5\uc7a5 \ucc28\uc774 \uc218\uc775\ub960 \ube44\uad50 \u2014 \ud575\uc2ec \ube44\uad50\ud45c<\/h2>\n
\"CMA
\uc6b0\ub300 \uc870\uac74 \ucda9\uc871 \uc5ec\ubd80\uc5d0 \ub530\ub77c \uc218\uc775\ub960 \uaca9\ucc28\uac00 \ucd5c\ub300 8\ubc30\uae4c\uc9c0 \ubc8c\uc5b4\uc9d1\ub2c8\ub2e4.<\/figcaption>
AI \uc0dd\uc131 \uc774\ubbf8\uc9c0\uc785\ub2c8\ub2e4.<\/figcaption><\/figure>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\ud56d\ubaa9<\/th>\nCMA (\uc99d\uad8c\uc0ac)<\/th>\n\ud30c\ud0b9\ud1b5\uc7a5 (\uc740\ud589\u00b7\uc778\ud130\ub137\uc740\ud589)<\/th>\n<\/tr>\n<\/thead>\n
\uc6b4\uc6a9 \uc8fc\uccb4<\/td>\n\uc99d\uad8c\uc0ac<\/td>\n\uc740\ud589\u00b7\uc800\ucd95\uc740\ud589\u00b7\uc778\ud130\ub137\uc740\ud589<\/td>\n<\/tr>\n
2026\ub144 \ucd5c\uace0 \uc218\uc775\ub960<\/td>\n\uc5f0 1.75~2.5%<\/td>\n\uc6b0\ub300 \uc870\uac74 \ucda9\uc871 \uc2dc \uc5f0 4% \uc774\uc0c1<\/td>\n<\/tr>\n
\uae30\ubcf8 \uae08\ub9ac (\uc870\uac74 \uc5c6\uc74c)<\/td>\n\uacc4\uc88c \uac1c\uc124\ub9cc\uc73c\ub85c \ucd5c\uace0 \uae08\ub9ac \uc790\ub3d9 \uc801\uc6a9<\/td>\n\uae30\ubcf8 \uae08\ub9ac \ub0ae\uc74c, \uc6b0\ub300 \uc870\uac74 \ud544\uc218<\/td>\n<\/tr>\n
\uc6b0\ub300 \uc870\uac74<\/td>\n\uc5c6\uc74c (\ub204\uad6c\ub098 \ub3d9\uc77c)<\/td>\n\uccab \uac70\ub798\u00b7\uc571 \uc5f0\ub3d9\u00b7\uc794\uc561 \uc870\uac74 \ub4f1 \uc788\uc74c<\/td>\n<\/tr>\n
\uc774\uc790 \uc9c0\uae09 \uc8fc\uae30<\/td>\n\ud558\ub8e8 \ub2e8\uc704<\/td>\n\uc0c1\ud488\ub9c8\ub2e4 \ub2e4\ub984 (\uc77c\uc77c\u00b7\uc6d4\ubcc4 \ub4f1)<\/td>\n<\/tr>\n
\uc608\uae08\uc790\ubcf4\ud638<\/td>\n\ube44\ubcf4\ud638 (\uc720\ud615 \ubd88\ubb38)<\/td>\n5000\ub9cc \uc6d0\uae4c\uc9c0 \ubc95\uc801 \ubcf4\ud638<\/td>\n<\/tr>\n
\uc8fc\uc2dd \ub9e4\uc218 \uc5f0\uacc4<\/td>\n\uac00\ub2a5 (CMA \uc794\uace0\ub85c \ubc14\ub85c \ub9e4\uc218)<\/td>\n\ubd88\uac00<\/td>\n<\/tr>\n
\uc138\uae08<\/td>\n\uc774\uc790\uc18c\ub4dd\uc138 15.4%<\/td>\n\uc774\uc790\uc18c\ub4dd\uc138 15.4%<\/td>\n<\/tr>\n
1000\ub9cc \uc6d0 \ucd08\uacfc \uc2dc<\/td>\n\uae08\ub9ac \uc81c\ud55c \uc5c6\uc74c<\/td>\n\ud55c\ub3c4 \ucd08\uacfc\ubd84 \uae08\ub9ac \uae09\uac10 \uc0c1\ud488 \ub9ce\uc74c<\/td>\n<\/tr>\n
\uc6d0\uae08 \uc190\uc2e4 \uac00\ub2a5\uc131<\/td>\n\uc774\ub860\uc0c1 \uc874\uc7ac (\ud2b9\ud788 MMF\ud615)<\/td>\n\uc5c6\uc74c (\uc608\uae08)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\ud45c\uc5d0\uc11c \uac00\uc7a5 \uc8fc\ubaa9\ud560 \ud56d\ubaa9\uc740 '\uae30\ubcf8 \uae08\ub9ac'<\/strong> \uc640 '\uc608\uae08\uc790\ubcf4\ud638'<\/strong> \ub450 \uac00\uc9c0\uc785\ub2c8\ub2e4.<\/p>\n

\n

CMA\uc640 \ud30c\ud0b9\ud1b5\uc7a5 \uc218\uc775\ub960\uc740 \uc2e4\uc81c\ub85c \uc5bc\ub9c8\ub098 \ub2e4\ub978\uac00\uc694?<\/h2>\n

2026\ub144 \ud604\uc7ac \uad6d\ub0b4 \uc99d\uad8c\uc0ac\uc758 CMA \uc218\uc775\ub960\uc740 \uc5f0 \ucd5c\uace0 1.75~2.5%<\/strong> \uc218\uc900\uc785\ub2c8\ub2e4.<\/p>\n

\ubcc4\ub3c4 \uc6b0\ub300\uc870\uac74 \uc5c6\uc774 \uacc4\uc88c\ub97c \uac1c\uc124\ud558\uba74 \ub204\uad6c\ub098 \uc774 \uae08\ub9ac\ub97c \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ud30c\ud0b9\ud1b5\uc7a5\uc740 \uc6b0\ub300 \uc870\uac74\uc744 \ubaa8\ub450 \ucda9\uc871\ud558\uba74 \uc5f0 4% \uc774\uc0c1<\/strong> \uc0c1\ud488\ub3c4 \uc874\uc7ac\ud569\ub2c8\ub2e4.<\/p>\n

\uadf8\ub7ec\ub098 \uc870\uac74\uc744 \ucc44\uc6b0\uc9c0 \ubabb\ud558\uba74 \uae30\ubcf8 \uae08\ub9ac\uc778 \uc5f0 0.1~1% \uc218\uc900\uc73c\ub85c \ub0b4\ub824\uac00\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc138\uc804 \uae08\ub9ac\uac00 \uac19\uc544\ub3c4 \uc774\uc790\uc18c\ub4dd\uc138 15.4%<\/strong> \uac00 \ub3d9\uc77c\ud558\uac8c \ubd80\uacfc\ub429\ub2c8\ub2e4.<\/p>\n

\uc138\ud6c4 \uc2e4\uc218\ub839 \uc774\uc790\ub97c \uae30\uc900\uc73c\ub85c \ube44\uad50\ud574\uc57c \uc9c4\uc9dc \ucc28\uc774\uac00 \ubcf4\uc785\ub2c8\ub2e4.<\/p>\n

\uc9c1\uc811 \uacc4\uc0b0 \u2014 \ub9cc 32\uc138 \uc9c1\uc7a5\uc778, \uc5ec\uc720 \uc790\uae08 2000\ub9cc \uc6d0<\/h3>\n

\ud22c\uc790 \uae08\uc561: 2000\ub9cc \uc6d0<\/p>\n

\ubcf4\uc720 \uae30\uac04: 1\ub144(365\uc77c)<\/p>\n

\uc138\uc728: \uc774\uc790\uc18c\ub4dd\uc138 15.4%<\/p>\n

\uc2dc\ub098\ub9ac\uc624 A \u2014 CMA \uc5f0 2.5% \uc801\uc6a9<\/strong><\/p>\n

\uc138\uc804 \uc774\uc790 = 2000\ub9cc \uc6d0 \u00d7 2.5% = 50\ub9cc \uc6d0<\/strong><\/p>\n

\uc138\ud6c4 \uc218\ub839\uc561 = 50\ub9cc \uc6d0 \u00d7 (1 \u2212 0.154) = \uc57d 42\ub9cc 3000\uc6d0<\/strong><\/p>\n

\uc2dc\ub098\ub9ac\uc624 B \u2014 \ud30c\ud0b9\ud1b5\uc7a5, \uc6b0\ub300 \uc870\uac74 \ucda9\uc871, \uc5f0 4.0% \uc801\uc6a9<\/strong><\/p>\n

\uc138\uc804 \uc774\uc790 = 2000\ub9cc \uc6d0 \u00d7 4.0% = 80\ub9cc \uc6d0<\/strong><\/p>\n

\uc138\ud6c4 \uc218\ub839\uc561 = 80\ub9cc \uc6d0 \u00d7 (1 \u2212 0.154) = \uc57d 67\ub9cc 7000\uc6d0<\/strong><\/p>\n

\uc2dc\ub098\ub9ac\uc624 C \u2014 \ud30c\ud0b9\ud1b5\uc7a5, \uc6b0\ub300 \uc870\uac74 \ubbf8\ucda9\uc871, \uc5f0 0.5% \uc801\uc6a9<\/strong><\/p>\n

\uc138\uc804 \uc774\uc790 = 2000\ub9cc \uc6d0 \u00d7 0.5% = 10\ub9cc \uc6d0<\/strong><\/p>\n

\uc138\ud6c4 \uc218\ub839\uc561 = 10\ub9cc \uc6d0 \u00d7 (1 \u2212 0.154) = \uc57d 8\ub9cc 5000\uc6d0<\/strong><\/p>\n

\uac19\uc740 2000\ub9cc \uc6d0\uc744 \ub123\uc5b4\ub3c4 \ud30c\ud0b9\ud1b5\uc7a5 \uc6b0\ub300 \uc870\uac74 \ucda9\uc871 \uc5ec\ubd80\uc5d0 \ub530\ub77c \uc138\ud6c4 \uc218\ub839\uc561\uc774 \uc57d 8\ub9cc 5000\uc6d0 vs 67\ub9cc 7000\uc6d0<\/strong>, 8\ubc30 \uac00\uae4c\uc774 \ucc28\uc774\uac00 \ub0a9\ub2c8\ub2e4.<\/p>\n

\uc870\uac74\uc744 \ubabb \ucc44\uc6b0\ub294 \uc0c1\ud669\uc774\ub77c\uba74 CMA(\uc57d 42\ub9cc 3000\uc6d0)\uac00 \ud6e8\uc52c \uc720\ub9ac\ud569\ub2c8\ub2e4.<\/p>\n

\uc774 \uacc4\uc0b0 \ud558\ub098\uac00 \uc120\ud0dd \uae30\uc900\uc758 \uc808\ubc18\uc744 \uacb0\uc815\ud569\ub2c8\ub2e4.<\/p>\n

\n

\ud83d\udca1 \uc218\uc775\ub960 \uacc4\uc0b0 \ud301<\/strong>: \uc0c1\ud488\uc744 \uace0\ub97c \ub54c \ubc18\ub4dc\uc2dc \uc138\ud6c4 \uae30\uc900\uc73c\ub85c \ube44\uad50\ud558\uc138\uc694. \uad11\uace0\uc5d0 \ud45c\uae30\ub41c \uae08\ub9ac\ub294 \uc138\uc804 \uae30\uc900\uc774 \ub300\ubd80\ubd84\uc785\ub2c8\ub2e4. \uc774\uc790\uc18c\ub4dd\uc138 15.4%\ub97c \uc801\uc6a9\ud558\uba74 \uc5f0 4% \ud30c\ud0b9\ud1b5\uc7a5\uc758 \uc2e4\uc9c8 \uc218\ub839 \uae08\ub9ac\ub294 \uc57d 3.38%, CMA \uc5f0 2.5%\ub294 \uc57d 2.12% \uc218\uc900\uc785\ub2c8\ub2e4.<\/p>\n<\/blockquote>\n

\n

\uc608\uae08\uc790\ubcf4\ud638 \ucc28\uc774 \u2014 \uc0dd\uac01\ubcf4\ub2e4 \uacb0\uc815\uc801\uc785\ub2c8\ub2e4<\/h2>\n

\ud30c\ud0b9\ud1b5\uc7a5\uc740 \uc740\ud589\u00b7\uc800\ucd95\uc740\ud589 \uc608\uae08\uc774\ubbc0\ub85c \uc608\uae08\uc790\ubcf4\ud638\ubc95\uc5d0 \ub530\ub77c 1\uc778\ub2f9 5000\ub9cc \uc6d0\uae4c\uc9c0<\/strong> \ubcf4\ud638\ub429\ub2c8\ub2e4.<\/p>\n

CMA\ub294 \uc720\ud615\uc5d0 \uc0c1\uad00\uc5c6\uc774 \uc608\uae08\uc790\ubcf4\ud638 \ub300\uc0c1\uc774 \uc544\ub2d9\ub2c8\ub2e4.<\/p>\n

\u2714\ufe0f RP\ud615 CMA: \uc608\uae08\uc790\ubcf4\ud638 \ube44\uc801\uc6a9. \ud3b8\uc785 \ucc44\uad8c\uc774 \uad6d\uacf5\ucc44\uc778 \uacbd\uc6b0 \uc790\uc0b0 \uc790\uccb4\uc758 \uc548\uc804\uc131\uc740 \ub192\uc2b5\ub2c8\ub2e4.<\/p>\n

\u2714\ufe0f \ubc1c\ud589\uc5b4\uc74c\ud615 CMA: \uc608\uae08\uc790\ubcf4\ud638 \ube44\uc801\uc6a9.<\/p>\n

\u2714\ufe0f MMF\ud615 CMA: \uc608\uae08\uc790\ubcf4\ud638 \ube44\uc801\uc6a9. \uc6b4\uc6a9 \uc2e4\uc801\uc5d0 \ub530\ub77c \uc774\ub860\uc0c1 \uc6d0\uae08 \uc190\uc2e4 \uac00\ub2a5\uc131\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

RP\ud615\uc758 \uacbd\uc6b0 \uad6d\uacf5\ucc44\u00b7\ud1b5\uc548\ucc44 \ub4f1 \uc548\uc804\uc790\uc0b0 \uc704\uc8fc\ub85c \uc6b4\uc6a9\ub418\uc5b4 \uc2e4\uc9c8 \uc704\ud5d8\uc740 \ub9e4\uc6b0 \ub0ae\uc2b5\ub2c8\ub2e4.<\/p>\n

\uadf8\ub7ec\ub098 \ubc95\uc801 \ubcf4\ud638 \ub300\uc0c1\uc774 \uc544\ub2c8\ub77c\ub294 \uc810\uc740 \ubd84\uba85\ud788 \uc778\uc9c0\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

5000\ub9cc \uc6d0 \ucd08\uacfc \uc790\uae08<\/strong>\uc774\ub77c\uba74 \uc774 \ucc28\uc774\uac00 \ub354\uc6b1 \uc911\uc694\ud574\uc9d1\ub2c8\ub2e4.<\/p>\n

\n

1000\ub9cc \uc6d0 \uc774\uc0c1 \uc790\uae08, \uc5b4\ub5bb\uac8c \ucabc\uac24\uae4c<\/h2>\n

\ud30c\ud0b9\ud1b5\uc7a5 \uc911 \uc0c1\ub2f9\uc218\uac00 \ud2b9\uc815 \uae08\uc561 \ucd08\uacfc\ubd84\uc5d0 \ub300\ud574 \uae08\ub9ac\ub97c \ub300\ud3ed \ub0ae\ucd94\ub294 \uad6c\uc870\uc785\ub2c8\ub2e4.<\/p>\n

\uc608\ub97c \ub4e4\uc5b4 1000\ub9cc \uc6d0 \uc774\ud558\ub294 \uc5f0 4%, 1000\ub9cc \uc6d0 \ucd08\uacfc\ubd84\uc740 \uc5f0 0.1%\ub97c \uc801\uc6a9\ud558\ub294 \uc2dd\uc785\ub2c8\ub2e4.<\/p>\n

\uc774\ub7f0 \uacbd\uc6b0 \ud604\uc7a5\uc5d0\uc11c\ub294 2\uac00\uc9c0 \ubc29\ubc95\uc774 \uc4f0\uc785\ub2c8\ub2e4.<\/p>\n

\u2714\ufe0f \ubc29\ubc95 A: \ud30c\ud0b9\ud1b5\uc7a5 \uc5ec\ub7ec \uac1c\uc5d0 \ub098\ub220 \ub123\uae30 \u2014 \uc774\ub978\ubc14 '\ucabc\uac1c\uae30' \uc804\ub7b5<\/p>\n

\u2714\ufe0f \ubc29\ubc95 B: 1000\ub9cc \uc6d0\uc740 \ud30c\ud0b9\ud1b5\uc7a5, \ub098\uba38\uc9c0 \ucd08\uacfc\ubd84\uc740 CMA \ud65c\uc6a9<\/p>\n

\ub2e8, \ud1b5\uc7a5\uc744 \uc9c0\ub098\uce58\uac8c \uc5ec\ub7ec \uac1c \uac1c\uc124\ud558\uba74 20\uc77c \uc774\ub0b4 \uc2e0\uaddc \uacc4\uc88c \uac1c\uc124 \uc81c\ud55c<\/strong>\uc5d0 \uac78\ub9b4 \uc218 \uc788\uc73c\ub2c8 \uc8fc\uc758\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

CMA\ub294 \uc774\ub7f0 \uae08\uc561 \uc81c\ud55c\uc774 \uc5c6\uace0, \uacc4\uc88c \uac1c\uc124 \uc989\uc2dc \ucd5c\uace0 \uae08\ub9ac\uac00 \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/p>\n

\ud070 \uae08\uc561\uc744 \ub2e8\uae30\ub85c \ubcf4\uad00\ud574\uc57c \ud560 \ub54c CMA\uac00 \uc624\ud788\ub824 \ud3b8\ub9ac\ud55c \uc774\uc720\uc785\ub2c8\ub2e4.<\/p>\n

\n
\"\ub2e8\uae30
\uc790\uae08 \uaddc\ubaa8\uc640 \uc0dd\ud65c \ud328\ud134\uc5d0 \ub530\ub77c CMA\uc640 \ud30c\ud0b9\ud1b5\uc7a5\uc758 \uc720\ub9ac\ud568\uc774 \ub2ec\ub77c\uc9d1\ub2c8\ub2e4.<\/figcaption>
AI \uc0dd\uc131 \uc774\ubbf8\uc9c0\uc785\ub2c8\ub2e4.<\/figcaption><\/figure>\n

\uc0c1\ud669\ubcc4 \uc120\ud0dd \uae30\uc900 \u2014 CMA\uac00 \ub9de\ub294 \uacbd\uc6b0 vs \ud30c\ud0b9\ud1b5\uc7a5\uc774 \ub9de\ub294 \uacbd\uc6b0<\/h2>\n

CMA\uacc4\uc88c \ud30c\ud0b9\ud1b5\uc7a5 \ucc28\uc774 \uc218\uc775\ub960 \ube44\uad50<\/strong>\ub97c \uc2e4\uc804\uc5d0 \uc801\uc6a9\ud560 \ub54c\ub294 \uc544\ub798 \uc0c1\ud669\ubcc4 \uae30\uc900\uc744 \ucc38\uace0\ud558\uba74 \uc120\ud0dd\uc774 \ube60\ub985\ub2c8\ub2e4.<\/p>\n

CMA\uac00 \uc720\ub9ac\ud55c \uacbd\uc6b0<\/strong><\/p>\n

\u2714\ufe0f \uc6b0\ub300 \uc870\uac74 \ucc59\uae30\uae30 \ubc88\uac70\ub85c\uc6b4 \uacbd\uc6b0<\/p>\n

\u2714\ufe0f \uc8fc\uc2dd \ud22c\uc790 \ub300\uae30 \uc790\uae08\uc744 \uad74\ub9ac\ub294 \uacbd\uc6b0 (CMA \uc794\uace0\ub85c \uc8fc\uc2dd \ub9e4\uc218 \ubc14\ub85c \uac00\ub2a5)<\/p>\n

\u2714\ufe0f 1000\ub9cc \uc6d0 \ucd08\uacfc \ub2e8\uae30 \uc790\uae08\uc744 \ud55c \uacf3\uc5d0 \ubcf4\uad00\ud558\uace0 \uc2f6\uc740 \uacbd\uc6b0<\/p>\n

\u2714\ufe0f \uc790\uc8fc \uc785\ucd9c\uae08\uc774 \ubc1c\uc0dd\ud558\ub294 \uc0dd\ud65c\ube44 \ubc84\ud37c\ub85c \uc4f0\ub294 \uacbd\uc6b0<\/p>\n

\ud30c\ud0b9\ud1b5\uc7a5\uc774 \uc720\ub9ac\ud55c \uacbd\uc6b0<\/strong><\/p>\n

\u2714\ufe0f \uc6b0\ub300 \uc870\uac74\uc744 \ucda9\uc871\ud560 \uc218 \uc788\ub294 \uacbd\uc6b0 (\uc5f0\ub3d9 \uc571 \uc0ac\uc6a9, \uccab \uac70\ub798 \ud61c\ud0dd \ub4f1)<\/p>\n

\u2714\ufe0f \uc608\uae08\uc790\ubcf4\ud638\uac00 \ubc18\ub4dc\uc2dc \ud544\uc694\ud55c \uacbd\uc6b0<\/p>\n

\u2714\ufe0f \ub124\uc774\ubc84\ud398\uc774 \ub4f1 \uac04\ud3b8\uacb0\uc81c \ud3ec\uc778\ud2b8 \uc801\ub9bd\uae4c\uc9c0 \uc6d0\ud558\ub294 \uacbd\uc6b0<\/p>\n

\u2714\ufe0f 1000\ub9cc \uc6d0 \uc774\ud558 \uc18c\uc561 \uc5ec\uc720 \uc790\uae08\uc744 \ud6a8\uc728\uc801\uc73c\ub85c \uc6b4\uc6a9\ud558\ub294 \uacbd\uc6b0<\/p>\n\n\n\n\n\n\n\n\n\n\n
\uc0c1\ud669<\/th>\n\ucd94\ucc9c \uc0c1\ud488<\/th>\n\uc774\uc720<\/th>\n<\/tr>\n<\/thead>\n
\uc6b0\ub300 \uc870\uac74 \ucda9\uc871 \uac00\ub2a5<\/td>\n\ud30c\ud0b9\ud1b5\uc7a5<\/td>\n\uc5f0 4% \uc774\uc0c1 \uac00\ub2a5, \uc218\uc775\ub960 \uc6b0\uc704<\/td>\n<\/tr>\n
\uc6b0\ub300 \uc870\uac74 \ucda9\uc871 \uc5b4\ub824\uc6c0<\/td>\nCMA<\/td>\n\uc870\uac74 \uc5c6\uc774 \uc5f0 1.75~2.5% \uc790\ub3d9 \uc801\uc6a9<\/td>\n<\/tr>\n
1000\ub9cc \uc6d0 \ucd08\uacfc \ub2e8\uae30 \ubcf4\uad00<\/td>\nCMA<\/td>\n\uae08\uc561 \uc81c\ud55c \uc5c6\uc74c<\/td>\n<\/tr>\n
\uc608\uae08\uc790\ubcf4\ud638 \ud544\uc218<\/td>\n\ud30c\ud0b9\ud1b5\uc7a5<\/td>\n5000\ub9cc \uc6d0\uae4c\uc9c0 \ubc95\uc801 \ubcf4\ud638<\/td>\n<\/tr>\n
\uc8fc\uc2dd \ub300\uae30 \uc790\uae08<\/td>\nCMA<\/td>\n\uc794\uace0\ub85c \uc8fc\uc2dd \ubc14\ub85c \ub9e4\uc218 \uac00\ub2a5<\/td>\n<\/tr>\n
1000\ub9cc \uc6d0 \uc774\ud558 \uc18c\uc561<\/td>\n\ud30c\ud0b9\ud1b5\uc7a5 (\uc870\uac74 \ucda9\uc871 \uc2dc)<\/td>\n\uae08\ub9ac \uc6b0\uc704<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

'\uc6b0\ub300 \uc870\uac74 \ucda9\uc871 \uc5ec\ubd80'\uac00 \uc0ac\uc2e4\uc0c1 \uac00\uc7a5 \uacb0\uc815\uc801\uc778 \ubcc0\uc218<\/strong>\uc785\ub2c8\ub2e4.<\/p>\n

\n

CMA \uacc4\uc88c \uac1c\uc124 \ubc29\ubc95<\/h2>\n

\uc99d\uad8c\uc0ac \uc571\uc744 \ud1b5\ud574 \ube44\ub300\uba74\uc73c\ub85c \uac1c\uc124\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc2e0\ubd84\uc99d\ub9cc \uc788\uc73c\uba74 5~10\ubd84 \uc548\uc5d0 \uac1c\uc124\uc774 \uc644\ub8cc\ub429\ub2c8\ub2e4.<\/p>\n

\uc99d\uad8c\uc0ac\ubcc4 CMA \uae08\ub9ac\ub294 \uc218\uc2dc\ub85c \ubcc0\ub3d9\ub429\ub2c8\ub2e4.<\/p>\n

\uac00\uc785 \uc804 \uac01 \uc99d\uad8c\uc0ac \uacf5\uc2dd \uc0ac\uc774\ud2b8\ub098 \uae08\uc735\ud22c\uc790\ud611\ud68c \uc804\uc790\uacf5\uc2dc\uc11c\ube44\uc2a4<\/a>\uc5d0\uc11c \ucd5c\uc2e0 \uae08\ub9ac\ub97c \ubc18\ub4dc\uc2dc \ud655\uc778\ud558\uc2ed\uc2dc\uc624.<\/p>\n

CMA \uacc4\uc88c \uac1c\uc124 \uc2dc \uccb4\ud06c\ub9ac\uc2a4\ud2b8<\/h3>\n

\u2714\ufe0f \uc99d\uad8c\uc0ac\ubcc4 CMA \uc720\ud615 (RP\ud615\u00b7MMF\ud615\u00b7\ubc1c\ud589\uc5b4\uc74c\ud615) \ud655\uc778<\/p>\n

\u2714\ufe0f \ud604\uc7ac \uace0\uc2dc \uae08\ub9ac \ubc0f \ubcc0\ub3d9 \uc8fc\uae30 \ud655\uc778<\/p>\n

\u2714\ufe0f \uc8fc\uc2dd \ub9e4\ub9e4 \uacc4\uc88c \uc5f0\ub3d9 \uc5ec\ubd80 \ud655\uc778<\/p>\n

\u2714\ufe0f \uc774\uc790 \uc9c0\uae09\uc77c \ubc0f \uc815\uc0b0 \ubc29\uc2dd \ud655\uc778<\/p>\n

\n

\ud30c\ud0b9\ud1b5\uc7a5 \uac1c\uc124 \uc804 \ubc18\ub4dc\uc2dc \ud655\uc778\ud560 3\uac00\uc9c0<\/h2>\n

\uc6b0\ub300 \uc870\uac74\uc744 \uaf3c\uaf3c\ud788 \uc77d\ub294 \uac83\uc774 \uc2dc\uc791\uc785\ub2c8\ub2e4.<\/p>\n

\u2714\ufe0f \ud655\uc778 1: \uc6b0\ub300 \uc870\uac74\uc758 \uc9c0\uc18d\uc131<\/p>\n

\uccab \uac70\ub798 \uc6b0\ub300\ub294 \ubcf4\ud1b5 1\ub144 \ud55c\uc2dc<\/strong> \uc801\uc6a9\uc785\ub2c8\ub2e4.<\/p>\n

1\ub144 \ud6c4 \uae08\ub9ac\uac00 \uc5bc\ub9c8\uc778\uc9c0 \ubbf8\ub9ac \uccb4\ud06c\ud558\uc2ed\uc2dc\uc624.<\/p>\n

\u2714\ufe0f \ud655\uc778 2: \ucd5c\uace0 \uae08\ub9ac \uc801\uc6a9 \ud55c\ub3c4<\/p>\n

1000\ub9cc \uc6d0\uae4c\uc9c0\ub9cc \uace0\uae08\ub9ac\uc778 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n

\ud55c\ub3c4 \ucd08\uacfc\ubd84 \uae08\ub9ac\ub97c \ubc18\ub4dc\uc2dc \ud655\uc778\ud558\uc2ed\uc2dc\uc624.<\/p>\n

\u2714\ufe0f \ud655\uc778 3: \uc774\uc790 \uc9c0\uae09 \ubc29\uc2dd<\/p>\n

\uc77c\uc77c \uc815\uc0b0\uc778\uc9c0 \uc6d4 \ub2e8\uc704\uc778\uc9c0\uc5d0 \ub530\ub77c \uccb4\uac10 \ubcf5\ub9ac \ud6a8\uacfc\uac00 \ub2ec\ub77c\uc9d1\ub2c8\ub2e4.<\/p>\n

\uc0c1\ud488 \uc57d\uad00 \ub05d\uae4c\uc9c0 \uc77d\uc5b4\ubcf4\uba74 \uc774\ub7f0 \uc870\uac74\ub4e4\uc774 \uc791\uc740 \uae00\uc528\ub85c \ub4e4\uc5b4 \uc788\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n

\n

CMA\u00b7\ud30c\ud0b9\ud1b5\uc7a5\uacfc \ud568\uaed8 \uc4f0\uae30 \uc88b\uc740 \ud30c\ud0b9\ud615 ETF \ud83d\udca1<\/h2>\n

\ucd5c\uadfc \ud30c\ud0b9\ud615 ETF\ub3c4 \uc8fc\ubaa9\ubc1b\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ud30c\ud0b9\ud615 ETF\ub294 \ub9e4\uc77c \uc774\uc790\uac00 \uc313\uc774\ub294 \uad6c\uc870\ub85c \uc6b4\uc6a9\ub418\uba70, \ub9cc\uae30\uac00 \uc5c6\uc5b4 \uc5b8\uc81c\ub4e0 \ub9e4\ub3c4\ud574 \ud604\uae08\ud654\uac00 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n

\ubcc4\ub3c4\uc758 \ud1b5\uc7a5 \uacc4\uc88c \uac1c\uc124 \uc5c6\uc774 \uae30\uc874 \uc99d\uad8c \uacc4\uc88c\uc5d0\uc11c \ubc14\ub85c \uac70\ub798\ud560 \uc218 \uc788\ub2e4\ub294 \uc810\uc774 \ucc28\ubcc4\uc810\uc785\ub2c8\ub2e4.<\/p>\n

CMA\ub098 \ud30c\ud0b9\ud1b5\uc7a5\uacfc \ubcd1\ud589 \ud65c\uc6a9\ud558\uba74 \ub2e8\uae30 \uc790\uae08 \uc6b4\uc6a9\uc758 \ud3ed\uc744 \ub113\ud790 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ub2e4\ub9cc ETF\uc774\ubbc0\ub85c \ub9e4\ub9e4 \uc2dc \uac70\ub798\uc138\u00b7\uc218\uc218\ub8cc\uac00 \ubc1c\uc0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uac00\uc785 \uc804 \ube44\uc6a9 \uad6c\uc870\ub97c \ud655\uc778\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n

\n

\uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38 (FAQ)<\/h2>\n

Q. CMA\ub294 \uc6d0\uae08\uc774 \ubcf4\uc7a5\ub418\ub098\uc694?<\/strong><\/p>\n

A. CMA\ub294 \uc608\uae08\uc790\ubcf4\ud638\ubc95\uc0c1 \ubcf4\ud638 \ub300\uc0c1\uc774 \uc544\ub2d9\ub2c8\ub2e4. RP\ud615\uc758 \uacbd\uc6b0 \uad6d\uacf5\ucc44 \ub4f1 \uc548\uc804\uc790\uc0b0\uc73c\ub85c \uc6b4\uc6a9\ub418\uc5b4 \uc2e4\uc9c8\uc801\uc778 \uc6d0\uae08 \uc190\uc2e4 \uc704\ud5d8\uc740 \ub9e4\uc6b0 \ub0ae\uc9c0\ub9cc, \ubc95\uc801 \ubcf4\ud638\ub294 \uc801\uc6a9\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. 5000\ub9cc \uc6d0 \uc774\ud558 \uc790\uae08\uc5d0 \uc608\uae08\uc790\ubcf4\ud638\ub97c \uc6d0\ud55c\ub2e4\uba74 \ud30c\ud0b9\ud1b5\uc7a5\uc774 \uc801\ud569\ud569\ub2c8\ub2e4.<\/p>\n

Q. CMA\uc640 \ud30c\ud0b9\ud1b5\uc7a5 \ub458 \ub2e4 \ub9cc\ub4e4\uc5b4\uc11c \uac19\uc774 \uc368\ub3c4 \ub418\ub098\uc694?<\/strong><\/p>\n

A. \uac00\ub2a5\ud569\ub2c8\ub2e4. 1000\ub9cc \uc6d0 \uc774\ud558\ub294 \uc6b0\ub300 \uc870\uac74 \ucda9\uc871 \ud30c\ud0b9\ud1b5\uc7a5\uc5d0, \ub098\uba38\uc9c0 \ucd08\uacfc\ubd84\uc740 CMA\uc5d0 \ub123\ub294 \ubc29\uc2dd\uc774 \uc218\uc775\ub960\uc744 \uadf9\ub300\ud654\ud558\ub294 \ud604\uc2e4\uc801\uc778 \uc870\ud569\uc73c\ub85c \ud65c\uc6a9\ub429\ub2c8\ub2e4.<\/p>\n

Q. CMA \uc218\uc775\ub960\uc740 \uace0\uc815\uc778\uac00\uc694?<\/strong><\/p>\n

A. \uc544\ub2d9\ub2c8\ub2e4. RP\ud615\uc740 \ube44\uad50\uc801 \uc548\uc815\uc801\uc774\uc9c0\ub9cc MMF\ud615\uc740 \uc99d\uad8c\uc0ac \uc6b4\uc6a9 \uc2e4\uc801\uc5d0 \ub530\ub77c \uc218\uc2dc\ub85c \ubcc0\ub3d9\ub429\ub2c8\ub2e4. \ubc1c\ud589\uc5b4\uc74c\ud615\ub3c4 \uc99d\uad8c\uc0ac\uac00 \uace0\uc2dc\ud558\ub294 \uae08\ub9ac\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. \uac00\uc785 \uc2dc\uc810\uc758 \uae08\ub9ac\uac00 \uc720\uc9c0\ub418\uc9c0 \uc54a\uc744 \uc218 \uc788\uc73c\ubbc0\ub85c \uc8fc\uae30\uc801\uc73c\ub85c \ud655\uc778\ud558\uc2ed\uc2dc\uc624.<\/p>\n

Q. \ud30c\ud0b9\ud1b5\uc7a5 \uc774\uc790\uc5d0\ub3c4 \uc138\uae08\uc774 \ubd99\ub098\uc694?<\/strong><\/p>\n

A. \ubd99\uc2b5\ub2c8\ub2e4. CMA\uc640 \ud30c\ud0b9\ud1b5\uc7a5 \ubaa8\ub450 \uc774\uc790\uc18c\ub4dd\uc5d0 15.4%<\/strong>(\uc774\uc790\uc18c\ub4dd\uc138 14% + \uc9c0\ubc29\uc18c\ub4dd\uc138 1.4%)\uc758 \uc138\uae08\uc774 \ubd80\uacfc\ub429\ub2c8\ub2e4. \uc138\uc804 \uae08\ub9ac\uac00 \uac19\uc544\ub3c4 \uc2e4\uc81c \uc218\ub839\uc561\uc740 \uc138\uc728 \uc801\uc6a9 \ud6c4 \uae30\uc900\uc73c\ub85c \ube44\uad50\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

Q. CMA\ub85c \uc8fc\uc2dd\uc744 \uc0b4 \uc218 \uc788\ub098\uc694?<\/strong><\/p>\n

A. \uac00\ub2a5\ud569\ub2c8\ub2e4. \uc99d\uad8c\uc0ac CMA \uacc4\uc88c\ub294 \uc8fc\uc2dd \ub9e4\ub9e4 \uacc4\uc88c\uc640 \uc5f0\ub3d9\ub418\uc5b4, CMA \uc794\uace0\ub85c \ubc14\ub85c \uc8fc\uc2dd\uc744 \ub9e4\uc218\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud22c\uc790 \ub300\uae30 \uc790\uae08\uc744 \uad74\ub9ac\uba74\uc11c \ub9e4\uc218 \uae30\ud68c\ub97c \ub178\ub9ac\ub294 \uacbd\uc6b0\uc5d0 \ud3b8\ub9ac\ud569\ub2c8\ub2e4.<\/p>\n

Q. \ud30c\ud0b9\ud1b5\uc7a5 \uae08\ub9ac 5%\ub77c\ub294 \uad11\uace0\ub294 \uc9c4\uc9dc\uc778\uac00\uc694?<\/strong><\/p>\n

A. \uc6b0\ub300 \uc870\uac74\uc744 \ubaa8\ub450 \ucda9\uc871\ud588\uc744 \ub54c\uc758 \ucd5c\uace0 \uae08\ub9ac\uc785\ub2c8\ub2e4. \uccab \uac70\ub798 \uace0\uac1d \uc6b0\ub300(1\ub144 \ud55c\uc2dc), \uc571 \uc5f0\ub3d9, \uc794\uc561 \uc720\uc9c0 \ub4f1 \uc870\uac74\uc744 \ube60\uc9d0\uc5c6\uc774 \ucc44\uc6cc\uc57c \uc801\uc6a9\ub429\ub2c8\ub2e4. \uc870\uac74 \ubbf8\ucda9\uc871 \uc2dc \uae30\ubcf8 \uae08\ub9ac\ub294 \uc5f0 0.1~1% \uc218\uc900\uc73c\ub85c \ub0b4\ub824\uac00\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc73c\ubbc0\ub85c, \uac00\uc785 \uc804 \uae30\ubcf8 \uae08\ub9ac\uc640 \uc6b0\ub300 \uc870\uac74 \uc9c0\uc18d \uae30\uac04\uc744 \ubc18\ub4dc\uc2dc \ud655\uc778\ud558\uc2ed\uc2dc\uc624.<\/p>\n

Q. CMA\uacc4\uc88c \ud30c\ud0b9\ud1b5\uc7a5 \ucc28\uc774 \uc911 \uac00\uc7a5 \uc911\uc694\ud55c \uac83\uc740 \ubb34\uc5c7\uc778\uac00\uc694?<\/strong><\/p>\n

A. \ub450 \uac00\uc9c0\uc785\ub2c8\ub2e4. \uccab\uc9f8, \ud30c\ud0b9\ud1b5\uc7a5\uc740 \uc6b0\ub300 \uc870\uac74 \ucda9\uc871 \uc5ec\ubd80\uc5d0 \ub530\ub77c \uc218\uc775\ub960\uc774 \uc5f0 0.1%~4% \uc774\uc0c1\uc73c\ub85c \uadf9\ub2e8\uc801\uc73c\ub85c \uac08\ub9bd\ub2c8\ub2e4. \ub458\uc9f8, \uc608\uae08\uc790\ubcf4\ud638 \uc5ec\ubd80\uc785\ub2c8\ub2e4. \ud30c\ud0b9\ud1b5\uc7a5\uc740 5000\ub9cc \uc6d0\uae4c\uc9c0 \ubc95\uc801\uc73c\ub85c \ubcf4\ud638\ub418\uc9c0\ub9cc CMA\ub294 \ubcf4\ud638\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc774 \ub450 \uac00\uc9c0\ub97c \uae30\uc900\uc73c\ub85c \uc790\uc2e0\uc758 \uc0c1\ud669\uc5d0 \ub9de\ub294 \uc0c1\ud488\uc744 \uace0\ub974\ub294 \uac83\uc774 \uac00\uc7a5 \ube60\ub978 \ubc29\ubc95\uc785\ub2c8\ub2e4.<\/p>\n

\n

\ub9c8\ubb34\ub9ac<\/h2>\n

CMA\uacc4\uc88c \ud30c\ud0b9\ud1b5\uc7a5 \ucc28\uc774 \uc218\uc775\ub960 \ube44\uad50<\/strong>\ub97c \uc815\ub9ac\ud558\uba74 \uacb0\uad6d \ud558\ub098\uc758 \uc9c8\ubb38\uc73c\ub85c \uadc0\uacb0\ub429\ub2c8\ub2e4. '\ub098\ub294 \uc6b0\ub300 \uc870\uac74\uc744 \uafb8\uc900\ud788 \ucc44\uc6b8 \uc218 \uc788\ub294\uac00?'<\/p>\n

\ub450 \uc0c1\ud488 \uc911 \ubb34\uc870\uac74 \uc88b\uc740 \uac83\uc740 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n

\ud30c\ud0b9\ud1b5\uc7a5\uc758 \uc6b0\ub300 \uc870\uac74\uc744 \ucc44\uc6b8 \uc218 \uc788\ub2e4\uba74 \uc218\uc775\ub960\uc5d0\uc11c \ubd84\uba85\ud788 \uc55e\uc12d\ub2c8\ub2e4.<\/p>\n

\uc870\uac74 \ucc59\uae30\uae30\uac00 \ubc88\uac70\ub86d\uac70\ub098 \uae08\uc561\uc774 \ud06c\ub2e4\uba74, CMA\uc758 \ub2e8\uc21c\ud568\uc774 \uc624\ud788\ub824 \uc2e4\uc18d \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc790\uae08\uc758 \uaddc\ubaa8\uc640 \ubcf8\uc778\uc758 \uc0dd\ud65c \ud328\ud134\uc744 \uba3c\uc800 \ub530\uc838\ubcf4\ub294 \uac83, \uadf8\uac8c \uac00\uc7a5 \ube60\ub978 \uc120\ud0dd \ubc29\ubc95\uc785\ub2c8\ub2e4.<\/p>\n

\ucc38\uace0\uc790\ub8cc<\/h2>\n