{"id":76,"date":"2026-07-13T16:08:00","date_gmt":"2026-07-13T16:08:00","guid":{"rendered":"https:\/\/hom2box.com\/wordpress\/corporate-bond-investment-risk-identification-guide\/"},"modified":"2026-07-13T16:08:00","modified_gmt":"2026-07-13T16:08:00","slug":"corporate-bond-investment-risk-identification-guide","status":"publish","type":"post","link":"https:\/\/hom2box.com\/wordpress\/corporate-bond-investment-risk-identification-guide\/","title":{"rendered":"\ud68c\uc0ac\ucc44 \ud22c\uc790 \uc704\ud5d8 \uad6c\ubcc4\ubc95 2026: \ubd80\ub3c4 \uc804 \ubc18\ub4dc\uc2dc \ud655\uc778\ud560 5\uac00\uc9c0"},"content":{"rendered":"
\n

\ud68c\uc0ac\ucc44 \ud22c\uc790 \uc704\ud5d8 \uad6c\ubcc4\ubc95, \uc54c\uace0 \uc0ac\uba74 \ub2e4\ub985\ub2c8\ub2e4.<\/p>\n

\"\ud68c\uc0ac\ucc44
\ud68c\uc0ac\ucc44 \ud22c\uc790 \uc804 \uc7ac\ubb34 \uc9c0\ud45c\ub97c \uaf3c\uaf3c\ud788 \uc810\uac80\ud558\ub294 \uac83\uc774 \ubd80\ub3c4 \uc704\ud5d8\uc744 \ub9c9\ub294 \uccab\uac78\uc74c\uc785\ub2c8\ub2e4.<\/figcaption>
AI \uc0dd\uc131 \uc774\ubbf8\uc9c0\uc785\ub2c8\ub2e4.<\/figcaption><\/figure>\n

\ucc44\uad8c\uc740 '\uc548\uc804 \uc790\uc0b0'\uc774\ub77c\ub294 \uc778\uc2dd\uc774 \uac15\ud569\ub2c8\ub2e4.<\/p>\n

\ud558\uc9c0\ub9cc \ubc1c\ud589\uc0ac\uac00 \ubd80\ub3c4\ub97c \ub0b4\uba74 \uc6d0\uae08 \uc804\uc561\uc744 \uc783\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc2e4\uc81c\ub85c \uacfc\uac70 \uc5ec\ub7ec \uae30\uc5c5\ub4e4\uc774 \ud68c\uc0ac\ucc44 \ub9cc\uae30 \uc0c1\ud658\uc5d0 \uc2e4\ud328\ud55c \uc0ac\ub840\uac00 \uc788\uc5c8\uace0, \uadf8\ub54c\ub9c8\ub2e4 \ud22c\uc790\uc790\ub4e4\uc740 \ub4a4\ub2a6\uac8c \uc7ac\ubb34\uc81c\ud45c\ub97c \ub4e4\uc5ec\ub2e4\ubd24\uc2b5\ub2c8\ub2e4.<\/p>\n

\ubb38\uc81c\ub294 \ubd80\ub3c4 \uc2e0\ud638\uac00 \uac11\uc790\uae30 \ub098\ud0c0\ub098\uc9c0 \uc54a\ub294\ub2e4\ub294 \uc810\uc785\ub2c8\ub2e4.<\/p>\n

\ub300\ubd80\ubd84 6~18\uac1c\uc6d4 \uc804\ubd80\ud130 \uc22b\uc790\uac00 \uba3c\uc800 \ub9d0\uc744 \uac81\ub2c8\ub2e4.<\/p>\n

\uadf8 \uc22b\uc790\ub97c \ubbf8\ub9ac \uc77d\ub294 \ubc95\uc774 \ubc14\ub85c \ud68c\uc0ac\ucc44 \ud22c\uc790 \uc704\ud5d8 \uad6c\ubcc4\ubc95\uc758 \ud575\uc2ec\uc785\ub2c8\ub2e4.<\/p>\n

\ud68c\uc0ac\ucc44 \uc704\ud5d8\uc744 \uc22b\uc790\ub85c \uc77d\ub294 5\uac00\uc9c0 \uc9c0\ud45c<\/h2>\n

1. \uc2e0\uc6a9\ub4f1\uae09 \u2014 \ud22c\uc790\uc801\uaca9\uacfc \ud22c\uae30\ub4f1\uae09\uc758 \uacbd\uacc4\uc120<\/h3>\n

\uad6d\ub0b4 3\ub300 \uc2e0\uc6a9\ud3c9\uac00\uc0ac(\ud55c\uad6d\uae30\uc5c5\ud3c9\uac00\u00b7NICE\uc2e0\uc6a9\ud3c9\uac00\u00b7\ud55c\uad6d\uc2e0\uc6a9\ud3c9\uac00)\ub294 \ud68c\uc0ac\ucc44\uc5d0 AAA\ubd80\ud130 D\uae4c\uc9c0 \ub4f1\uae09\uc744 \ub9e4\uae41\ub2c8\ub2e4.<\/p>\n

BBB- \uc774\uc0c1\uc774 \ud22c\uc790\uc801\uaca9\ub4f1\uae09<\/strong>\uc774\uace0, BB+ \uc774\ud558\ubd80\ud130\ub294 \ud22c\uae30\ub4f1\uae09(\ud558\uc774\uc77c\ub4dc)\uc73c\ub85c \ubd84\ub958\ub429\ub2c8\ub2e4.<\/p>\n

\ub9ce\uc740 \uae30\uad00\ud22c\uc790\uc790\uac00 BBB- \ubbf8\ub9cc \ucc44\uad8c\uc744 \ud3b8\uc785 \uc81c\ud55c \uc790\uc0b0\uc73c\ub85c \ubd84\ub958\ud569\ub2c8\ub2e4.<\/p>\n

\uadf8 \ub73b\uc740 \uac1c\uc778\uc774 BB+ \uc774\ud558 \ucc44\uad8c\uc744 \uc0c0\uc744 \ub54c \uc2dc\uc7a5\uc5d0\uc11c \ud314 \uc0c1\ub300\ub97c \ucc3e\uae30 \uc5b4\ub835\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4.<\/p>\n

\uc2e0\uc6a9\ub4f1\uae09\uc740 \ubc1c\ud589 \uc2dc\uc810\uc5d0\ub9cc \ubcf4\ub294 \uac8c \uc544\ub2d9\ub2c8\ub2e4.<\/p>\n

**\ub4f1\uae09 \uc804\ub9dd(Outlook)**\uc774 '\ubd80\uc815\uc801'\uc73c\ub85c \ubc14\ub00c\uac70\ub098 '\uc2e0\uc6a9\ub4f1\uae09 \ud558\ud5a5 \uac80\ud1a0(Watch Negative)' \uacf5\uc2dc\uac00 \ub728\uba74, \uc2e4\uc81c \ud558\ud5a5 \uc870\uc815\uc740 \ud1b5\uc0c1 1~6\uac1c\uc6d4 \uc774\ub0b4\uc5d0 \ub530\ub77c\uc635\ub2c8\ub2e4.<\/p>\n

\ub4f1\uae09 \uc804\ub9dd \ubcc0\uacbd \uacf5\uc2dc\ub294 KIND(\ud55c\uad6d\uac70\ub798\uc18c \uc804\uc790\uacf5\uc2dc)<\/a>\uc5d0\uc11c \ubb34\ub8cc\ub85c \ud655\uc778\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

2. \uc774\uc790\ubcf4\uc0c1\ubc30\uc728 \u2014 \uc774\uc790\ub97c \uac1a\uc744 \uc5ec\uc720\uac00 \uc788\ub294\uac00<\/h3>\n

\uc774\uc790\ubcf4\uc0c1\ubc30\uc728 = \uc601\uc5c5\uc774\uc775 \u00f7 \uc774\uc790\ube44\uc6a9\uc785\ub2c8\ub2e4.<\/p>\n

1.5\ubc30 \uc774\ud558<\/strong>\uba74 \uc774\uc790\ub97c \uaca8\uc6b0 \ucda9\ub2f9\ud558\ub294 \uc218\uc900\uc774\uace0, 1.0\ubc30 \ubbf8\ub9cc<\/strong>\uc774\uba74 \uc601\uc5c5\uc774\uc775\ub9cc\uc73c\ub85c \uc774\uc790\ub97c \ub0bc \uc218 \uc5c6\ub2e4\ub294 \ub73b\uc785\ub2c8\ub2e4.<\/p>\n

1\ubc30 \ubbf8\ub9cc \uc0c1\ud0dc\uac00 2\ub144 \uc5f0\uc18d \uc9c0\uc18d\ub418\uba74 '\uc880\ube44\uae30\uc5c5'\uc73c\ub85c \ubd84\ub958\ub429\ub2c8\ub2e4.<\/p>\n

\ud55c\uad6d\uc740\ud589 \uae30\uc5c5\uacbd\uc601\ubd84\uc11d \ubcf4\uace0\uc11c\uc5d0 \ub530\ub974\uba74, \uc774\uc790\ubcf4\uc0c1\ubc30\uc728 1 \ubbf8\ub9cc \uae30\uc5c5 \ube44\uc911\uc740 \uc804\uccb4 \uc0c1\uc7a5\uc0ac\uc758 30% \uc548\ud30e\uc744 \uc624\ub974\ub0b4\ub9bd\ub2c8\ub2e4.<\/p>\n

\uc22b\uc790\uac00 \ub0ae\ub2e4\uace0 \ubb34\uc870\uac74 \uc704\ud5d8\ud55c \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4.<\/p>\n

\ub2e4\ub9cc \uc774\uc790\ubcf4\uc0c1\ubc30\uc728\uc774 3\ub144 \uc5f0\uc18d \ud558\ub77d \ucd94\uc138<\/strong>\ub97c \ubcf4\uc774\uace0 \uc788\ub2e4\uba74, \ucd94\uac00 \uad00\ucc30\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n

3. \ubd80\ucc44\ube44\uc728\uacfc \uc720\ub3d9\ube44\uc728 \u2014 \ub2e8\uae30 \uc0c1\ud658 \ub2a5\ub825\uc774 \ud575\uc2ec<\/h3>\n

\ubd80\ucc44\ube44\uc728(\ucd1d\ubd80\ucc44 \u00f7 \uc790\uae30\uc790\ubcf8 \u00d7 100)\uc740 200% \uc774\ud558\ub97c \uc77c\ubc18\uc801\uc778 \uc548\uc815 \uae30\uc900\uc73c\ub85c \ubd05\ub2c8\ub2e4.<\/p>\n

\ud558\uc9c0\ub9cc \uc5c5\uc885\ub9c8\ub2e4 \uc815\uc0c1 \ubc94\uc704\uac00 \ub2e4\ub985\ub2c8\ub2e4.<\/p>\n

\uac74\uc124\uc5c5\uc740 300~400%\ub3c4 \ud754\ud558\uace0, \uc9c0\uc8fc\uc0ac\ub294 50% \uc774\ud558\uc778 \uacbd\uc6b0\ub3c4 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n

\ub354 \uc911\uc694\ud55c \uc218\uce58\uac00 \uc720\ub3d9\ube44\uc728<\/strong>\uc785\ub2c8\ub2e4.<\/p>\n

\uc720\ub3d9\ube44\uc728 = \uc720\ub3d9\uc790\uc0b0 \u00f7 \uc720\ub3d9\ubd80\ucc44 \u00d7 100\uc774\uba70, 100% \ubbf8\ub9cc<\/strong>\uc774\uba74 1\ub144 \uc548\uc5d0 \uac1a\uc544\uc57c \ud560 \ube5a\uc774 \ud604\uae08\ud654 \uac00\ub2a5\ud55c \uc790\uc0b0\ubcf4\ub2e4 \ub9ce\ub2e4\ub294 \uc2e0\ud638\uc785\ub2c8\ub2e4.<\/p>\n

\ud68c\uc0ac\ucc44 \ub9cc\uae30\uac00 1~2\ub144 \ub0b4\uc5d0 \ubab0\ub824 \uc788\uace0 \uc720\ub3d9\ube44\uc728\uc774 80% \uc774\ud558\ub77c\uba74 \ucc28\ud658(\ub9ac\ud30c\uc774\ub0b8\uc2f1) \uc2e4\ud328 \uc704\ud5d8\uc744 \uc9c4\uc9c0\ud558\uac8c \ub530\uc838\ubd10\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

\"\uc774\uc790\ubcf4\uc0c1\ubc30\uc728
\uc774\uc790\ubcf4\uc0c1\ubc30\uc728\uc774 3\ub144 \uc5f0\uc18d \ud558\ub77d \ucd94\uc138\ub77c\uba74 \ucd94\uac00 \uc810\uac80\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/figcaption>
AI \uc0dd\uc131 \uc774\ubbf8\uc9c0\uc785\ub2c8\ub2e4.<\/figcaption><\/figure>\n

4. \ud06c\ub808\ub527 \uc2a4\ud504\ub808\ub4dc \u2014 \uc2dc\uc7a5\uc774 \uba3c\uc800 \uc544\ub294 \uc704\ud5d8<\/h3>\n

\ud68c\uc0ac\ucc44 \ud22c\uc790 \uc704\ud5d8 \uad6c\ubcc4\ubc95 \uc911 \uc2dc\uc7a5 \uc2e4\uc2dc\uac04 \uc9c0\ud45c\uac00 \ubc14\ub85c \ud06c\ub808\ub527 \uc2a4\ud504\ub808\ub4dc\uc785\ub2c8\ub2e4.<\/p>\n

\uc2a4\ud504\ub808\ub4dc = \ud68c\uc0ac\ucc44 \uae08\ub9ac – \uad6d\uace0\ucc44 \uae08\ub9ac<\/strong>\uc785\ub2c8\ub2e4.<\/p>\n

BBB- \ub4f1\uae09 3\ub144\ubb3c \uae30\uc900\uc73c\ub85c \uc2a4\ud504\ub808\ub4dc\uac00 \ud3c9\uc0c1\uc2dc 200bp(2.0%p) \uc218\uc900\uc774\ub77c\uba74, \uc774\uac83\uc774 \uac11\uc790\uae30 350bp \uc774\uc0c1\uc73c\ub85c \ud655\ub300\ub420 \ub54c \uc2dc\uc7a5 \ucc38\uc5ec\uc790\ub4e4\uc774 \ubd80\ub3c4 \uac00\ub2a5\uc131\uc744 \uc7ac\uac00\uaca9(repricing)\ud558\uace0 \uc788\ub2e4\ub294 \uc758\ubbf8\uc785\ub2c8\ub2e4.<\/p>\n

\uac1c\ubcc4 \uc885\ubaa9 \uc2a4\ud504\ub808\ub4dc\ub294 \uae08\uc735\ud22c\uc790\ud611\ud68c \ucc44\uad8c\uc815\ubcf4\uc13c\ud130<\/a>\uc5d0\uc11c \uc870\ud68c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc2a4\ud504\ub808\ub4dc\ub294 \uc2e0\uc6a9\ub4f1\uae09 \ubcc0\uacbd\ubcf4\ub2e4 2~4\uac1c\uc6d4 \uc55e\uc11c \uc6c0\uc9c1\uc774\ub294 \uacbd\uc6b0<\/strong>\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc7ac\ubb34\uc81c\ud45c\ub97c \ub2a6\uac8c \ud655\uc778\ud588\uc5b4\ub3c4 \uc2a4\ud504\ub808\ub4dc\uac00 \uba3c\uc800 \uacbd\uace0\ub97c \uc92c\uc744 \uac00\ub2a5\uc131\uc774 \ub192\uc2b5\ub2c8\ub2e4.<\/p>\n

5. \ud604\uae08\ud750\ub984\ud45c \u2014 \uc601\uc5c5\ud604\uae08\ud750\ub984\uc774 \ub9c8\uc774\ub108\uc2a4\uba74 \uc704\ud5d8<\/h3>\n

\ub2f9\uae30\uc21c\uc774\uc775\uc774 \ud751\uc790\uc5ec\ub3c4 \uc2e4\uc81c \ud604\uae08\uc774 \ube60\uc838\ub098\uac00\ub294 \uae30\uc5c5\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc601\uc5c5\ud65c\ub3d9\ud604\uae08\ud750\ub984\uc774 2\ub144 \uc5f0\uc18d \ub9c8\uc774\ub108\uc2a4<\/strong>\uc774\uba74\uc11c \ucc28\uc785\uae08\uc774 \ub298\uace0 \uc788\ub2e4\uba74, \uc7a5\ubd80\uc0c1 \uc774\uc775\uc740 \uc758\ubbf8\ub97c \uc783\uc2b5\ub2c8\ub2e4.<\/p>\n

\ud2b9\ud788 \ucc28\uc785\uae08\uc758\uc874\ub3c4(\ucd1d\ucc28\uc785\uae08 \u00f7 \ucd1d\uc790\uc0b0 \u00d7 100)\uac00 40% \ucd08\uacfc<\/strong> \uc0c1\ud0dc\uc5d0\uc11c \uc601\uc5c5\ud604\uae08\ud750\ub984\uae4c\uc9c0 \ub9c8\uc774\ub108\uc2a4\uba74 \ubd80\ub3c4 \uc704\ud5d8 \uc2e0\ud638 \uc870\ud569\uc73c\ub85c \ubd10\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

\ud604\uae08\ud750\ub984\ud45c\ub294 \ubd84\uae30 \ubcf4\uace0\uc11c(\uc0ac\uc5c5\ubcf4\uace0\uc11c\u00b7\ubc18\uae30\ubcf4\uace0\uc11c)\uc5d0 \ud3ec\ud568\ub418\uc5b4 \uc788\uc73c\uba70, DART \uc804\uc790\uacf5\uc2dc<\/a>\uc5d0\uc11c \ubb34\ub8cc\ub85c \ud655\uc778\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ubd80\ub3c4 \uc804 \uc2e4\uc81c\ub85c \ub098\ud0c0\ub098\ub294 \uacbd\uace0 \uc2e0\ud638 \ud328\ud134<\/h2>\n

\uc7ac\ubb34 \uc9c0\ud45c \uc678\uc5d0 \ube44\uc7ac\ubb34 \uc2e0\ud638\ub3c4 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n

\ub300\ud45c\uc774\uc0ac \ub610\ub294 CFO\uc758 \uac11\uc791\uc2a4\ub7ec\uc6b4 \uad50\uccb4<\/strong>\ub294 \ub0b4\ubd80 \uc0ac\uc815\uc774 \uc2ec\uac01\ud574\uc84c\ub2e4\ub294 \uc120\ud589 \uc9c0\ud45c\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

**\uc678\ubd80\uac10\uc0ac\uc778\uc774 '\uc758\uacac \uac70\uc808' \ub610\ub294 '\ud55c\uc815 \uc758\uacac'**\uc744 \ub0b8 \uae30\uc5c5\uc758 \ucc44\uad8c\uc740 \uc989\uc2dc \uc7ac\uac80\ud1a0\uac00 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n

\uc2e0\uc6a9\ub4f1\uae09 \ud558\ud5a5 \uc870\uc815\uc774 \ub2e8\uae30\uac04\uc5d0 2\ub2e8\uacc4 \uc774\uc0c1<\/strong> \uc77c\uc5b4\ub09c \uacbd\uc6b0, \ucd94\uac00 \ud558\ud5a5\uc774 \uc5f0\uc1c4\uc801\uc73c\ub85c \ub530\ub77c\uc624\ub294 \uc0ac\ub840\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n

\"\ud06c\ub808\ub527
\ud06c\ub808\ub527 \uc2a4\ud504\ub808\ub4dc \ud655\ub300\ub294 \uc2e0\uc6a9\ub4f1\uae09 \ubcc0\uacbd\ubcf4\ub2e4 2~4\uac1c\uc6d4 \uc55e\uc11c \uc704\ud5d8\uc744 \uc54c\ub9ac\ub294 \uc2dc\uc7a5 \uc2e0\ud638\uc785\ub2c8\ub2e4.<\/figcaption>
AI \uc0dd\uc131 \uc774\ubbf8\uc9c0\uc785\ub2c8\ub2e4.<\/figcaption><\/figure>\n

\ud68c\uc0ac\ucc44 \ubc1c\ud589 \uacf5\uc2dc\uc5d0\uc11c '\uae30\ud55c\uc774\uc775 \uc0c1\uc2e4 \uc870\ud56d'<\/strong> \ub0b4\uc6a9\ub3c4 \ubc18\ub4dc\uc2dc \ud655\uc778\ud558\uc2ed\uc2dc\uc624.<\/p>\n

\ud2b9\uc815 \uc7ac\ubb34 \ube44\uc728\uc774 \uc77c\uc815 \uae30\uc900 \uc774\ud558\ub85c \ub0b4\ub824\uac00\uba74 \ucc44\uad8c \uc804\uc561 \uc989\uc2dc \uc0c1\ud658 \uccad\uad6c\uac00 \uac00\ub2a5\ud55c \uc870\ud56d\uc774 \ud3ec\ud568\ub41c \uacbd\uc6b0\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc774 \uc870\ud56d\uc774 \ucd09\ubc1c\ub418\ub294 \uc21c\uac04 \uae30\uc5c5\uc740 \ub2e8\ubc88\uc5d0 \uc218\ubc31\uc5b5 \uc6d0 \uc774\uc0c1\uc744 \ub9c8\ub828\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

\uc704\ud5d8 \ub4f1\uae09\ubcc4 \uccb4\ud06c \uae30\uc900 \ud55c\ub208\uc5d0 \ubcf4\uae30<\/h2>\n\n\n\n\n\n\n\n\n\n\n
\uc9c0\ud45c<\/th>\n\uc8fc\uc758 \uae30\uc900<\/th>\n\uc704\ud5d8 \uae30\uc900<\/th>\n<\/tr>\n<\/thead>\n
\uc2e0\uc6a9\ub4f1\uae09<\/td>\nBBB \uc774\ud558, \uc804\ub9dd \ubd80\uc815\uc801<\/td>\nBB+ \uc774\ud558, Watch Negative<\/td>\n<\/tr>\n
\uc774\uc790\ubcf4\uc0c1\ubc30\uc728<\/td>\n1.5\ubc30 \uc774\ud558<\/td>\n1.0\ubc30 \ubbf8\ub9cc 2\ub144 \uc5f0\uc18d<\/td>\n<\/tr>\n
\uc720\ub3d9\ube44\uc728<\/td>\n100% \ubbf8\ub9cc<\/td>\n80% \ubbf8\ub9cc + \ub2e8\uae30 \ucc28\ud658 \ubb3c\ub7c9 \ub300\uaddc\ubaa8<\/td>\n<\/tr>\n
\ubd80\ucc44\ube44\uc728<\/td>\n\uc5c5\uc885 \ud3c9\uade0 \ub300\ube44 1.5\ubc30 \ucd08\uacfc<\/td>\n300% \ucd08\uacfc + \uc720\ub3d9\ube44\uc728 \ub3d9\uc2dc \uc545\ud654<\/td>\n<\/tr>\n
\ud06c\ub808\ub527 \uc2a4\ud504\ub808\ub4dc<\/td>\n\ud3c9\uc0c1\uc2dc \ub300\ube44 100bp \uc774\uc0c1 \ud655\ub300<\/td>\n150bp \uc774\uc0c1 \uae09\ud655\ub300<\/td>\n<\/tr>\n
\uc601\uc5c5\ud604\uae08\ud750\ub984<\/td>\n1\ub144 \ub9c8\uc774\ub108\uc2a4<\/td>\n2\ub144 \uc5f0\uc18d \ub9c8\uc774\ub108\uc2a4 + \ucc28\uc785\uae08 \uc99d\uac00<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\uc2e4\uc81c \ud22c\uc790 \uc804 \ud655\uc778\ud558\ub294 3\ub2e8\uacc4 \uc808\ucc28<\/h2>\n

1\ub2e8\uacc4 \u2014 \uc2e0\uc6a9\ub4f1\uae09\uacfc \uc804\ub9dd \ud655\uc778<\/strong><\/p>\n

KIND \ub610\ub294 \uac01 \uc2e0\uc6a9\ud3c9\uac00\uc0ac \ud648\ud398\uc774\uc9c0\uc5d0\uc11c \ucd5c\uadfc 6\uac1c\uc6d4 \ub0b4 \ub4f1\uae09 \ubcc0\ub3d9 \uc774\ub825\uc744 \uc870\ud68c\ud569\ub2c8\ub2e4.<\/p>\n

2\ub2e8\uacc4 \u2014 \ucd5c\uadfc 3\uac1c \uc0ac\uc5c5\uc5f0\ub3c4 \uc7ac\ubb34\uc81c\ud45c \ube44\uad50<\/strong><\/p>\n

DART\uc5d0\uc11c \uc5f0\uacb0\uc7ac\ubb34\uc81c\ud45c \uae30\uc900 \uc774\uc790\ubcf4\uc0c1\ubc30\uc728\u00b7\uc720\ub3d9\ube44\uc728\u00b7\uc601\uc5c5\ud604\uae08\ud750\ub984 \ucd94\uc774\ub97c \ud655\uc778\ud569\ub2c8\ub2e4.<\/p>\n

3\ub2e8\uacc4 \u2014 \ubc1c\ud589 \uc2dc \uc0ac\ucc44 \uc2e0\ud0c1\uacc4\uc57d\uc11c \ubc0f \uc99d\uad8c\uc2e0\uace0\uc11c \uac80\ud1a0<\/strong><\/p>\n

\uae30\ud55c\uc774\uc775 \uc0c1\uc2e4 \uc870\ud56d, \uc7ac\ubb34 \uc720\uc9c0 \uc870\uac74(Covenant) \ud56d\ubaa9\uc744 \ubc18\ub4dc\uc2dc \ud655\uc778\ud569\ub2c8\ub2e4.<\/p>\n

\uc774 3\ub2e8\uacc4\ub9cc \uac70\uccd0\ub3c4 \ud22c\uae30\uc801 \uc704\ud5d8\uc774 \ub192\uc740 \ucc44\uad8c\uc744 \ub300\ubd80\ubd84 \uac78\ub7ec\ub0bc \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\n

\ud68c\uc0ac\ucc44 \ud22c\uc790 \uc704\ud5d8 \uad6c\ubcc4\ubc95\uc740 \uacb0\uad6d \uc22b\uc790\ub97c \uc77d\ub294 \ud6c8\ub828\uc785\ub2c8\ub2e4. \ud83d\udca1<\/p>\n

\uc2e0\uc6a9\ub4f1\uae09 \ud558\ub098\ub9cc \ubcf4\ub294 \uac83\uc73c\ub85c\ub294 \ubd80\uc871\ud569\ub2c8\ub2e4.<\/p>\n

\uc774\uc790\ubcf4\uc0c1\ubc30\uc728, \uc720\ub3d9\ube44\uc728, \ud06c\ub808\ub527 \uc2a4\ud504\ub808\ub4dc, \ud604\uae08\ud750\ub984 4\uac00\uc9c0 \uc9c0\ud45c\ub97c \ub3d9\uc2dc\uc5d0 \uc810\uac80\ud560 \ub54c \ube44\ub85c\uc18c '\uc22b\uc790\uac00 \ub9d0\ud558\ub294 \uacbd\uace0'\uac00 \ubcf4\uc785\ub2c8\ub2e4.<\/p>\n

\ucd5c\uc2e0 \uc2e0\uc6a9\ub4f1\uae09 \uc815\ubcf4\uc640 \uc2a4\ud504\ub808\ub4dc \ub370\uc774\ud130\ub294 \uc218\uc2dc\ub85c \ubcc0\ud558\ubbc0\ub85c, DART<\/a> \ubc0f \uae08\uc735\ud22c\uc790\ud611\ud68c \ucc44\uad8c\uc815\ubcf4\uc13c\ud130<\/a>\uc5d0\uc11c \ud22c\uc790 \uc9c1\uc804 \ubc18\ub4dc\uc2dc \uc7ac\ud655\uc778\ud558\uc2ed\uc2dc\uc624.<\/p>\n

#\ud68c\uc0ac\ucc44\ud22c\uc790\uc704\ud5d8 #\ud68c\uc0ac\ucc44\uc704\ud5d8\uad6c\ubcc4\ubc95 #\ud68c\uc0ac\ucc44\ubd80\ub3c4\uc704\ud5d8 #\uc2e0\uc6a9\ub4f1\uae09BBB #\uc774\uc790\ubcf4\uc0c1\ubc30\uc728 #\ud06c\ub808\ub527\uc2a4\ud504\ub808\ub4dc #\uc720\ub3d9\ube44\uc728 #\ubd80\ucc44\ube44\uc728 #\ud68c\uc0ac\ucc44\ud22c\uc790\ubc29\ubc95 #\ucc44\uad8c\ud22c\uc790\uc704\ud5d8 #\ud558\uc774\uc77c\ub4dc\ucc44\uad8c #\uae30\ud55c\uc774\uc775\uc0c1\uc2e4 #DART\uc7ac\ubb34\uc81c\ud45c #\ucc44\uad8c\uc2e0\uc6a9\ud3c9\uac00 #\uc601\uc5c5\ud604\uae08\ud750\ub984 #\ud68c\uc0ac\ucc44\uccb4\ud06c\ub9ac\uc2a4\ud2b8 #\ud22c\uc790\uc801\uaca9\ub4f1\uae09 #\ud22c\uae30\ub4f1\uae09\ucc44\uad8c #\ucc44\uad8c\uc2a4\ud504\ub808\ub4dc #\ud68c\uc0ac\ucc44\ubd84\uc11d #\ucc44\uad8c\ubd80\ub3c4\uc0ac\ub840 #\ucc44\uad8c\ud22c\uc790\ucd08\ubcf4 #\ud68c\uc0ac\ucc44\ubc1c\ud589 #\ucc44\uad8c\uc7ac\ubb34\uc81c\ud45c\ubd84\uc11d #\ucc44\uad8c\uc704\ud5d8\uad00\ub9ac #\ud55c\uad6d\ucc44\uad8c\uc2dc\uc7a5 #NICE\uc2e0\uc6a9\ud3c9\uac00 #\ud55c\uad6d\uae30\uc5c5\ud3c9\uac00 #\ucc44\uad8c\uae08\ub9ac\ucc28\uc774<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

\ud68c\uc0ac\ucc44 \ud22c\uc790 \uc804 \ubd80\ub3c4 \uc704\ud5d8\uc744 \uc0ac\uc804\uc5d0 \uac00\ub824\ub0b4\ub294 5\uac00\uc9c0 \ud575\uc2ec \uc9c0\ud45c\ub97c \uc815\ub9ac\ud588\uc2b5\ub2c8\ub2e4. \uc2e0\uc6a9\ub4f1\uae09\ubd80\ud130 \uc774\uc790\ubcf4\uc0c1\ubc30\uc728, \ud06c\ub808\ub527 \uc2a4\ud504\ub808\ub4dc\uae4c\uc9c0 \uc22b\uc790\ub85c \ud310\ub2e8\ud558\ub294 \uae30\uc900\uc744 \ub2f4\uc558\uc2b5\ub2c8\ub2e4.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[401,397,400,398,403,399,396,395,402,394],"class_list":["post-76","post","type-post","status-publish","format-standard","hentry","category-4","tag-401","tag--bbb","tag-400","tag-398","tag-403","tag-399","tag-396","tag-395","tag-402","tag-394"],"_links":{"self":[{"href":"https:\/\/hom2box.com\/wordpress\/wp-json\/wp\/v2\/posts\/76","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hom2box.com\/wordpress\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hom2box.com\/wordpress\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hom2box.com\/wordpress\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/hom2box.com\/wordpress\/wp-json\/wp\/v2\/comments?post=76"}],"version-history":[{"count":0,"href":"https:\/\/hom2box.com\/wordpress\/wp-json\/wp\/v2\/posts\/76\/revisions"}],"wp:attachment":[{"href":"https:\/\/hom2box.com\/wordpress\/wp-json\/wp\/v2\/media?parent=76"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hom2box.com\/wordpress\/wp-json\/wp\/v2\/categories?post=76"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hom2box.com\/wordpress\/wp-json\/wp\/v2\/tags?post=76"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}