{"id":49,"date":"2024-10-25T03:02:50","date_gmt":"2024-10-25T03:02:50","guid":{"rendered":"https:\/\/chemzone.co.kr\/?p=49"},"modified":"2024-10-24T03:05:24","modified_gmt":"2024-10-24T03:05:24","slug":"%ec%a3%bc%ec%9a%94-%ea%b8%88%ec%9c%b5%ea%b8%b0%ea%b4%80-irp-%ea%b3%84%ec%a2%8c-%ec%88%98%ec%88%98%eb%a3%8c-%eb%b9%84%ea%b5%90","status":"publish","type":"post","link":"https:\/\/chemzone.co.kr\/?p=49","title":{"rendered":"\uc8fc\uc694 \uae08\uc735\uae30\uad00 IRP \uacc4\uc88c \uc218\uc218\ub8cc \ube44\uad50"},"content":{"rendered":"\n

\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08(IRP) \uacc4\uc88c\ub294 \ub178\ud6c4 \ub300\ube44 \ubc0f \uc138\uc81c \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\ub294 \uc911\uc694\ud55c \uae08\uc735 \uc0c1\ud488\uc73c\ub85c \uc790\ub9ac\uc7a1\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 IRP \uacc4\uc88c\ub97c \ud1b5\ud574 \ud1f4\uc9c1\uae08\uc744 \uad00\ub9ac\ud558\uac70\ub098 \ucd94\uac00\uc801\uc778 \ub0a9\uc785\uc744 \ud1b5\ud574 \ub178\ud6c4 \uc790\uae08\uc744 \uccb4\uacc4\uc801\uc73c\ub85c \uc900\ube44\ud558\ub294 \uac83\uc740 \uac08\uc218\ub85d \uadf8 \uc911\uc694\uc131\uc774 \ucee4\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uae08\uc735\uae30\uad00\ub9c8\ub2e4 IRP \uacc4\uc88c\uc5d0 \ubd80\uacfc\ub418\ub294 \uc218\uc218\ub8cc\uac00 \uc0c1\uc774\ud558\uae30 \ub54c\ubb38\uc5d0 \uacc4\uc88c \uac1c\uc124 \uc804 \uae08\uc735\uae30\uad00\ubcc4 \uc218\uc218\ub8cc\ub97c \ube44\uad50\ud558\ub294 \uac83\uc740 \ud544\uc218\uc801\uc778 \uacfc\uc815\uc785\ub2c8\ub2e4. \ubcf8 \uae00\uc740 \uc8fc\uc694 \uad6d\ub0b4 \uae08\uc735\uae30\uad00\ub4e4\uc758 IRP \uacc4\uc88c \uc218\uc218\ub8cc\ub97c \uc2ec\uce35\uc801\uc73c\ub85c \ube44\uad50 \ubd84\uc11d\ud558\uc5ec \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \ucd5c\uc801\uc758 \uc758\uc0ac\uacb0\uc815\uc744 \ub3d5\uae30 \uc704\ud55c \uc815\ubcf4\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n

https:\/\/ko.wikipedia.org\/wiki\/IRP \uc218\uc218\ub8cc \ube44\uad50<\/a><\/p>\n\n\n\n

IRP(Individual Retirement Pension) \uacc4\uc88c\uc758 \uc6b4\uc601 \uacfc\uc815\uc5d0\uc11c \ubc1c\uc0dd\ud558\ub294 \uc218\uc218\ub8cc\ub294 \uc8fc\ub85c \uc6b4\uc6a9\uad00\ub9ac \uc218\uc218\ub8cc\uc640 \uc790\uc0b0\uc6b4\uc6a9 \uc218\uc218\ub8cc\ub85c \uad6c\ubd84\ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc218\uc218\ub8cc \uad6c\uc870\ub97c \uc774\ud574\ud558\ub294 \uac83\uc740 IRP \uacc4\uc88c\uc758 \ud6a8\uc728\uc801\uc778 \uc6b4\uc601\uacfc \uc7a5\uae30\uc801\uc778 \ud22c\uc790 \uc131\uacfc\uc5d0 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. \uccab \ubc88\uc9f8\ub85c, \uc6b4\uc6a9\uad00\ub9ac \uc218\uc218\ub8cc\ub294 \uae08\uc735\uae30\uad00\uc774 IRP \uacc4\uc88c\ub97c \uad00\ub9ac\ud558\ub294 \ub300\uac00\ub85c \ubd80\uacfc\ub418\ub294 \ube44\uc6a9\uc785\ub2c8\ub2e4. \uc774 \uc218\uc218\ub8cc\ub294 \uae08\uc735\uae30\uad00\uc774 \uc81c\uacf5\ud558\ub294 \uc11c\ube44\uc2a4\uc758 \uc218\uc900\uc774\ub098 \uacc4\uc88c\uc758 \uc794\uace0\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc77c\ubc18\uc801\uc73c\ub85c \uacc4\uc88c\uc758 \uae08\uc561\uc774 \ud074\uc218\ub85d \uc218\uc218\ub8cc\uc728\uc774 \ub0ae\uc544\uc9c0\ub294 \uad6c\uc870\ub97c \uac00\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uace0\uac1d\uc774 \uacc4\uc88c\uc758 \uc794\uace0\ub97c \uc720\uc9c0\ud558\ub3c4\ub85d \uc720\ub3c4\ud558\ub294 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc18c\uc561\uc73c\ub85c \uacc4\uc88c\ub97c \uc6b4\uc601\ud560 \uacbd\uc6b0 \uc0c1\ub300\uc801\uc73c\ub85c \ub192\uc740 \uc218\uc218\ub8cc\ub97c \ubd80\ub2f4\ud558\uac8c \ub418\uc9c0\ub9cc, \uc794\uace0\uac00 \uc99d\uac00\ud558\uba74 \uc218\uc218\ub8cc \ubd80\ub2f4\uc774 \uc904\uc5b4\ub4e4\uac8c \ub429\ub2c8\ub2e4. \ub530\ub77c\uc11c IRP \uacc4\uc88c\ub97c \uac1c\uc124\ud560 \ub54c\ub294 \uc790\uc2e0\uc758 \uc790\uc0b0 \uaddc\ubaa8\uc640 \uc608\uc0c1 \ud22c\uc790 \uae30\uac04\uc744 \uace0\ub824\ud558\uc5ec \uae08\uc735\uae30\uad00\uc758 \uc6b4\uc6a9\uad00\ub9ac \uc218\uc218\ub8cc\ub97c \ube44\uad50\ud558\uace0 \uc120\ud0dd\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ub450 \ubc88\uc9f8\ub85c, \uc790\uc0b0\uc6b4\uc6a9 \uc218\uc218\ub8cc\ub294 \ud380\ub4dc, ETF \ub4f1 \ud22c\uc790 \uc0c1\ud488\uc744 \uc6b4\uc6a9\ud558\ub294 \uacfc\uc815\uc5d0\uc11c \ubc1c\uc0dd\ud558\ub294 \ube44\uc6a9\uc73c\ub85c, \uc774 \uc218\uc218\ub8cc\ub294 \uae08\uc735\uae30\uad00\uc774 \uc544\ub2cc \uac01 \ud22c\uc790 \uc0c1\ud488\uc758 \uc6b4\uc6a9\uc0ac\uc5d0\uc11c \ubd80\uacfc\ud569\ub2c8\ub2e4. \uc790\uc0b0\uc6b4\uc6a9 \uc218\uc218\ub8cc\ub294 \uc6b4\uc6a9 \uc804\ub7b5\uc758 \ubcf5\uc7a1\uc131, \ud574\ub2f9 \uc790\uc0b0\uc758 \uc131\uaca9, \uadf8\ub9ac\uace0 \uc2dc\uc7a5 \uc0c1\ud669\uc5d0 \ub530\ub77c \ub2e4\ub974\uac8c \ucc45\uc815\ub429\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uace0\uc218\uc775 \uc804\ub7b5\uc744 \uc81c\uacf5\ud558\ub294 \ud380\ub4dc\ub294 \uc77c\ubc18\uc801\uc73c\ub85c \ub354 \ub192\uc740 \uc218\uc218\ub8cc\ub97c \ubd80\uacfc\ud558\uac8c \ub418\uba70, \uc774\ub294 \ud22c\uc790\uc790\uc5d0\uac8c \ub354 \ud070 \ub9ac\ud134\uc744 \uae30\ub300\ud560 \uc218 \uc788\ub294 \ubc18\uba74, \ub354 \ub192\uc740 \ube44\uc6a9\uc744 \uac10\uc218\ud574\uc57c \ud55c\ub2e4\ub294 \uc758\ubbf8\uc785\ub2c8\ub2e4. \ub530\ub77c\uc11c \ud22c\uc790\uc790\ub294 \uc790\uc0b0\uc6b4\uc6a9 \uc218\uc218\ub8cc\uac00 \ub192\uc740 \uc0c1\ud488\uc744 \uc120\ud0dd\ud560 \uacbd\uc6b0, \uadf8\uc5d0 \uc0c1\uc751\ud558\ub294 \uc131\uacfc\ub97c \uae30\ub300\ud560 \uc218 \uc788\ub294\uc9c0\ub97c \ubc18\ub4dc\uc2dc \uac80\ud1a0\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\uc640 \uac19\uc774 IRP \uacc4\uc88c\ub97c \uc6b4\uc6a9\ud560 \ub54c\ub294 \uc774\ub7ec\ud55c \uc218\uc218\ub8cc \uad6c\uc870\ub97c \uba85\ud655\ud788 \uc774\ud574\ud558\uace0, \uc218\uc218\ub8cc\uac00 \uacc4\uc88c \uc804\uccb4 \uc218\uc775\ub960\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc744 \uba74\ubc00\ud788 \ubd84\uc11d\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ub2e8\uc21c\ud788 \uc218\uc218\ub8cc\uac00 \ub0ae\uc740 \uc0c1\ud488\uc744 \uc120\ud0dd\ud558\ub294 \uac83\ub9cc\uc774 \ub2a5\uc0ac\ub294 \uc544\ub2d9\ub2c8\ub2e4. \uc218\uc218\ub8cc\uac00 \ub0ae\ub354\ub77c\ub3c4 \uc6b4\uc6a9 \uc131\uacfc\uac00 \uc88b\uc9c0 \uc54a\uac70\ub098 \uc704\ud5d8 \uc694\uc18c\uac00 \ud070 \uc0c1\ud488\uc77c \uacbd\uc6b0, \uc7a5\uae30\uc801\uc73c\ub85c \ub354 \ud070 \uc190\uc2e4\uc744 \ucd08\ub798\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc6b4\uc6a9 \uc131\uacfc\uc640 \uc704\ud5d8 \uc694\uc18c\ub97c \ud568\uaed8 \uace0\ub824\ud558\uc5ec \ucd5c\uc801\uc758 \ud22c\uc790 \uc804\ub7b5\uc744 \uc218\ub9bd\ud558\ub294 \uac83\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n

\uad6d\ub0b4 \uc8fc\uc694 \uae08\uc735\uae30\uad00\uc73c\ub85c\ub294 \uad6d\ubbfc\uc740\ud589(KB\uad6d\ubbfc\uc740\ud589), \uc2e0\ud55c\uc740\ud589, \ud558\ub098\uc740\ud589, \uc6b0\ub9ac\uc740\ud589, \ubbf8\ub798\uc5d0\uc14b\uc99d\uad8c, \uc0bc\uc131\uc99d\uad8c \ub4f1\uc774 \uc788\uc73c\uba70, \uac01 \uae08\uc735\uae30\uad00\uc758 IRP \uacc4\uc88c \uc218\uc218\ub8cc\ub294 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

KB\uad6d\ubbfc\uc740\ud589\uc758 IRP \uacc4\uc88c\ub294 \uc5ec\ub7ec \uac00\uc9c0 \uc218\uc218\ub8cc \ud56d\ubaa9\uacfc \uace0\uac1d \ub9de\ucda4\ud615 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \uba3c\uc800, \uc6b4\uc6a9\uad00\ub9ac \uc218\uc218\ub8cc\uc5d0 \ub300\ud574 \uc0b4\ud3b4\ubcf4\uba74, KB\uad6d\ubbfc\uc740\ud589\uc758 \uc6b4\uc6a9\uad00\ub9ac \uc218\uc218\ub8cc\ub294 \uc794\uace0\uc5d0 \ub530\ub77c \ucc28\ub4f1 \ubd80\uacfc\ub429\ub2c8\ub2e4. \uc77c\ubc18\uc801\uc73c\ub85c \uc774 \uc218\uc218\ub8cc\ub294 0.2%\uc5d0\uc11c 0.3% \uc218\uc900\uc73c\ub85c \ucc45\uc815\ub418\uba70, \uace0\uac1d\uc774 \uc77c\uc815 \uae08\uc561 \uc774\uc0c1\uc744 \uc720\uc9c0\ud560 \uacbd\uc6b0 \ucd94\uac00 \uac10\uba74 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\uae30\ub3c4 \ud569\ub2c8\ub2e4. \uc774\ub294 \uace0\uac1d\uc774 \uc790\uc0b0\uc744 \uc9c0\uc18d\uc801\uc73c\ub85c \uc720\uc9c0\ud558\ub3c4\ub85d \uc720\ub3c4\ud558\ub294 \ud6a8\uacfc\uac00 \uc788\uc5b4, \uc7a5\uae30\uc801\uc778 \ud22c\uc790 \uad00\uc810\uc5d0\uc11c\ub3c4 \uae0d\uc815\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\uc74c\uc73c\ub85c, \uc790\uc0b0\uc6b4\uc6a9 \uc218\uc218\ub8cc\uc5d0 \ub300\ud574 \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. KB\uad6d\ubbfc\uc740\ud589\uc5d0\uc11c \uc81c\uacf5\ud558\ub294 \ud380\ub4dc \uc0c1\ud488\uc758 \uacbd\uc6b0, \uc790\uc0b0\uc6b4\uc6a9 \uc218\uc218\ub8cc\ub294 \uc57d 0.5%\uc5d0\uc11c 1.5%\uc758 \ubc94\uc704\uc5d0\uc11c \ubd80\uacfc\ub429\ub2c8\ub2e4. \uc774 \uc218\uc218\ub8cc\ub294 \ud22c\uc790 \uc0c1\ud488\uc758 \uc885\ub958\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c0\uba70, \uac01 \uc0c1\ud488\uc758 \uc6b4\uc6a9 \uc804\ub7b5\uacfc \uc131\uacfc\uc5d0 \ub530\ub77c \ucc28\ub4f1 \uc801\uc6a9\ub429\ub2c8\ub2e4. \uace0\uac1d\uc740 \uc790\uc2e0\uc774 \uc120\ud0dd\ud558\ub294 \uc0c1\ud488\uc5d0 \ub530\ub978 \uc218\uc218\ub8cc \uad6c\uc870\ub97c \ucda9\ubd84\ud788 \uc774\ud574\ud558\uace0, \uc774\uc5d0 \ub9de\ub294 \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9ac\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc790\uc0b0\uc6b4\uc6a9 \uc218\uc218\ub8cc\uac00 \ub192\ub354\ub77c\ub3c4, \ud574\ub2f9 \uc0c1\ud488\uc774 \ub192\uc740 \uc218\uc775\ub960\uc744 \ubcf4\uc7a5\ud560 \uc218 \uc788\ub2e4\uba74 \uace0\uac1d\uc5d0\uac8c\ub294 \uc720\ub9ac\ud55c \uc120\ud0dd\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. KB\uad6d\ubbfc\uc740\ud589\uc758 IRP \uacc4\uc88c\ub294 \uc774\ub7ec\ud55c \uc218\uc218\ub8cc \uc678\uc5d0\ub3c4 \uace0\uac1d\uc758 \ud3b8\uc758\ub97c \uace0\ub824\ud55c \ub2e4\uc591\ud55c \ud2b9\uc9d5\uc744 \uac00\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788, \uc624\ud504\ub77c\uc778 \uc9c0\uc810\uc744 \ud1b5\ud55c \uc0c1\ub2f4 \uc11c\ube44\uc2a4\uac00 \ud3b8\ub9ac\ud558\uac8c \uc81c\uacf5\ub418\uae30 \ub54c\ubb38\uc5d0 IRP \uc6b4\uc6a9\uc5d0 \ub300\ud55c \uc624\ud504\ub77c\uc778 \uc0c1\ub2f4\uc744 \uc790\uc8fc \uc774\uc6a9\ud558\ub294 \uace0\uac1d\uc5d0\uac8c \uc801\ud569\ud55c \uc120\ud0dd\uc785\ub2c8\ub2e4. KB\uad6d\ubbfc\uc740\ud589\uc740 \uc9c0\uc5ed\ubcc4\ub85c \uc798 \ubc1c\ub2ec\ub41c \uc9c0\uc810\ub9dd\uc744 \ubcf4\uc720\ud558\uace0 \uc788\uc5b4, \uc9c1\uc811\uc801\uc778 \ub300\uba74 \uc0c1\ub2f4\uc774 \ud544\uc694\ud55c \uace0\uac1d\uc5d0\uac8c \ub9e4\uc6b0 \uc720\ub9ac\ud569\ub2c8\ub2e4. \uace0\uac1d\uc740 \uc804\ubb38 \uc0c1\ub2f4\uc6d0\uacfc\uc758 \uc9c1\uc811 \ub300\ud654\ub97c \ud1b5\ud574 \ubcf4\ub2e4 \uad6c\uccb4\uc801\uc774\uace0 \uac1c\uc778\ud654\ub41c \ud22c\uc790 \uc804\ub7b5\uc744 \uc138\uc6b8 \uc218 \uc788\uc73c\uba70, \uc774\ub294 \uc7a5\uae30\uc801\uc778 \uc790\uc0b0 \uad00\ub9ac\uc5d0 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n

\uc2e0\ud55c\uc740\ud589\uc758 IRP \uacc4\uc88c\ub294 \ub2e4\uc591\ud55c \uc218\uc218\ub8cc \uad6c\uc870\uc640 \uace0\uac1d \ub9de\ucda4\ud615 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\uc5ec \ud22c\uc790\uc790\uc5d0\uac8c \uc720\ub9ac\ud55c \uc870\uac74\uc744 \uc81c\uc2dc\ud569\ub2c8\ub2e4. \uba3c\uc800, \uc6b4\uc6a9\uad00\ub9ac \uc218\uc218\ub8cc\uc5d0 \ub300\ud574 \uc0b4\ud3b4\ubcf4\uba74, \uc2e0\ud55c\uc740\ud589\uc758 \uc6b4\uc6a9\uad00\ub9ac \uc218\uc218\ub8cc\ub294 \uc57d 0.25% \uc218\uc900\uc73c\ub85c \uc124\uc815\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uc218\uc218\ub8cc\ub294 \uacc4\uc88c \uc794\uace0\uac00 \ud074\uc218\ub85d \ub0ae\uc544\uc9c0\ub294 \uad6c\uc870\ub97c \uac00\uc9c0\uace0 \uc788\uc73c\uba70, \uc774\ub294 \uace0\uac1d\uc774 \uc7a5\uae30\uc801\uc73c\ub85c \uc790\uc0b0\uc744 \uc720\uc9c0\ud558\ub3c4\ub85d \uc720\ub3c4\ud558\ub294 \ud6a8\uacfc\uac00 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uc2e0\ud55c\uc740\ud589\uc740 \uc7a5\uae30 \uace0\uac1d\uc5d0\uac8c \ucd94\uac00\uc801\uc778 \uc218\uc218\ub8cc \uac10\uba74 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\uc5ec \uace0\uac1d \uc720\uc9c0\uc5d0 \uc9d1\uc911\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc815\ucc45\uc740 \uace0\uac1d\uc774 \uc2e0\ud55c\uc740\ud589\uacfc\uc758 \uad00\uacc4\ub97c \uc9c0\uc18d\uc801\uc73c\ub85c \uc720\uc9c0\ud558\ub3c4\ub85d \ub3d5\uace0, \uc7a5\uae30\uc801\uc778 \ud22c\uc790 \uc131\uacfc\ub97c \ucd94\uad6c\ud558\ub294 \ub370 \uae30\uc5ec\ud569\ub2c8\ub2e4. \ub2e4\uc74c\uc73c\ub85c, \uc790\uc0b0\uc6b4\uc6a9 \uc218\uc218\ub8cc\uc5d0 \ub300\ud574 \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \uc2e0\ud55c\uc740\ud589\uc5d0\uc11c \uc81c\uacf5\ud558\ub294 \ud22c\uc790 \uc0c1\ud488\uc5d0 \ub530\ub77c \uc790\uc0b0\uc6b4\uc6a9 \uc218\uc218\ub8cc\ub294 0.4%\uc5d0\uc11c 1.3% \uc218\uc900\uc73c\ub85c \ubd80\uacfc\ub429\ub2c8\ub2e4. \uc2e0\ud55c\uc740\ud589\uc740 \ub2e4\uc591\ud55c \ud380\ub4dc\uc640 ETF\ub97c \uc81c\uacf5\ud558\uc5ec \ud22c\uc790\uc790\ub4e4\uc774 \uc218\uc775\ub960\uc744 \ub192\uc77c \uc218 \uc788\ub294 \ub2e4\uc591\ud55c \uc120\ud0dd\uc9c0\ub97c \ub9c8\ub828\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uace0\uac1d\uc740 \uc790\uc2e0\uc758 \ud22c\uc790 \uc131\ud5a5\uacfc \ubaa9\ud45c\uc5d0 \ub9de\ub294 \uc0c1\ud488\uc744 \uc120\ud0dd\ud560 \uc218 \uc788\uc73c\uba70, \uc774\ub294 \ubcf4\ub2e4 \ud6a8\uacfc\uc801\uc778 \uc790\uc0b0 \uc6b4\uc6a9\uc5d0 \uae30\uc5ec\ud569\ub2c8\ub2e4. \uc790\uc0b0\uc6b4\uc6a9 \uc218\uc218\ub8cc\ub294 \uc0c1\ud488\uc758 \uc131\uaca9, \uc6b4\uc6a9 \uc804\ub7b5, \uc2dc\uc7a5 \uc0c1\ud669\uc5d0 \ub530\ub77c \ucc28\ubcc4\uc801\uc73c\ub85c \ucc45\uc815\ub418\ubbc0\ub85c, \uace0\uac1d\uc740 \uc774\ub7ec\ud55c \uc694\uc18c\ub97c \uace0\ub824\ud558\uc5ec \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9ac\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc2e0\ud55c\uc740\ud589\uc758 IRP \uacc4\uc88c\ub294 \uc774\ub7ec\ud55c \uc218\uc218\ub8cc \uad6c\uc870 \uc678\uc5d0\ub3c4 \ub3c5\ud2b9\ud55c \ud2b9\uc9d5\uc744 \uac00\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc2e0\ud55c\uc740\ud589\uc740 \ubaa8\ubc14\uc77c \uc571\uc744 \ud1b5\ud55c \uc790\uc0b0 \uad00\ub9ac\uc640 \ub514\uc9c0\ud138 \ud50c\ub7ab\ud3fc\uc758 \ud3b8\uc758\uc131\uc774 \ub6f0\uc5b4\ub098\uae30 \ub54c\ubb38\uc5d0, \uc628\ub77c\uc778 \uc790\uc0b0 \uad00\ub9ac\ub97c \uc120\ud638\ud558\ub294 \uace0\uac1d\uc5d0\uac8c \uc801\ud569\ud569\ub2c8\ub2e4. \uc2e0\ud55c\uc740\ud589\uc758 \ub514\uc9c0\ud138 \ud50c\ub7ab\ud3fc\uc740 \uc0ac\uc6a9\uc790\uac00 \uc9c1\uad00\uc801\uc73c\ub85c \uc0ac\uc6a9\ud560 \uc218 \uc788\ub3c4\ub85d \uc124\uacc4\ub418\uc5b4 \uc788\uc73c\uba70, \uc2e4\uc2dc\uac04 \uc790\uc0b0 \ubaa8\ub2c8\ud130\ub9c1\uacfc \ub9de\ucda4\ud615 \ud22c\uc790 \uc870\uc5b8 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub514\uc9c0\ud138 \ud658\uacbd\uc740 \uace0\uac1d\uc774 \uc5b8\uc81c \uc5b4\ub514\uc11c\ub098 \uc190\uc27d\uac8c \uc790\uc0b0\uc744 \uad00\ub9ac\ud558\uace0, \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9b4 \uc218 \uc788\ub294 \uc7a5\uc810\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n

\ud558\ub098\uc740\ud589\uc758 IRP \uacc4\uc88c\ub294 \ub2e4\uc591\ud55c \uc218\uc218\ub8cc \uad6c\uc870\uc640 \uace0\uac1d \ub9de\ucda4\ud615 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\uba70, \ud2b9\ud788 \ud574\uc678 \uc790\uc0b0 \ud22c\uc790\uc5d0 \uac15\uc810\uc744 \uac00\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uba3c\uc800, \uc6b4\uc6a9\uad00\ub9ac \uc218\uc218\ub8cc\uc5d0 \ub300\ud574 \uc0b4\ud3b4\ubcf4\uba74, \ud558\ub098\uc740\ud589\uc740 \uc77c\ubc18\uc801\uc73c\ub85c 0.2%\uc5d0\uc11c 0.28%\uc758 \uc6b4\uc6a9\uad00\ub9ac \uc218\uc218\ub8cc\ub97c \ubd80\uacfc\ud569\ub2c8\ub2e4. \uc774 \uc218\uc218\ub8cc\ub294 \uacc4\uc88c \uc794\uace0\uac00 \ub9ce\uc544\uc9c8\uc218\ub85d \ub0ae\uc544\uc9c0\ub294 \uad6c\uc870\ub97c \uac00\uc9c0\uace0 \uc788\uc5b4, \ub300\uaddc\ubaa8 \uc790\uc0b0\uc744 \uac00\uc9c4 \uace0\uac1d\uc5d0\uac8c\ub294 \uc0c1\ub2f9\ud55c \uc808\uac10 \ud6a8\uacfc\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc218\uc218\ub8cc \uad6c\uc870\ub294 \uace0\uac1d\uc774 \uc790\uc0b0\uc744 \uc7a5\uae30\uc801\uc73c\ub85c \uc720\uc9c0\ud558\ub3c4\ub85d \uc720\ub3c4\ud558\ub294 \ub370 \uae30\uc5ec\ud558\uba70, \uace0\uac1d\uc758 \ud22c\uc790 \uc131\uacfc\ub97c \ub192\uc774\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \ub2e4\uc74c\uc73c\ub85c, \uc790\uc0b0\uc6b4\uc6a9 \uc218\uc218\ub8cc\uc5d0 \ub300\ud574 \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \ud558\ub098\uc740\ud589\uc758 \uc790\uc0b0\uc6b4\uc6a9 \uc218\uc218\ub8cc\ub294 \uc0c1\ud488\uc5d0 \ub530\ub77c 0.45%\uc5d0\uc11c 1.4% \uc0ac\uc774\ub85c \ubd80\uacfc\ub429\ub2c8\ub2e4. \uc774\ub294 \ub2e4\uc591\ud55c \ud22c\uc790 \uc0c1\ud488\uc758 \uc6b4\uc6a9 \uc804\ub7b5\uacfc \uc131\uaca9\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c0\uba70, \uace0\uac1d\uc740 \uc790\uc2e0\uc758 \ud22c\uc790 \uc131\ud5a5\uc5d0 \ub9de\ub294 \uc0c1\ud488\uc744 \uc120\ud0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \ud558\ub098\uc740\ud589\uc740 \ub2e4\uc591\ud55c \ud574\uc678 \uc790\uc0b0 \ud22c\uc790 \uc0c1\ud488\uc744 \uc81c\uacf5\ud558\uc5ec \uc790\uc0b0\uc6b4\uc6a9\uc758 \ud3ed\uc744 \ub113\ud788\ub294 \ub370 \ucd08\uc810\uc744 \ub9de\ucd94\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uace0\uac1d\uc740 \uad6d\ub0b4\ubfd0\ub9cc \uc544\ub2c8\ub77c \ud574\uc678 \uc790\uc0b0\uc5d0 \ub300\ud55c \ud22c\uc790 \uae30\ud68c\ub97c \ud1b5\ud574 \uae00\ub85c\ubc8c \uc2dc\uc7a5\uc5d0\uc11c\uc758 \uc218\uc775\uc744 \ucd94\uad6c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud558\ub098\uc740\ud589\uc758 IRP \uacc4\uc88c\ub294 \uc774\ub7ec\ud55c \uc218\uc218\ub8cc \uad6c\uc870 \uc678\uc5d0\ub3c4 \ud574\uc678 \uc790\uc0b0 \ud22c\uc790\uc5d0 \ub300\ud55c \uc811\uadfc\uc131\uc774 \ub192\ub2e4\ub294 \ud2b9\uc9d5\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ud574\uc678 \uc8fc\uc2dd \ubc0f \ucc44\uad8c \uc0c1\ud488\uc5d0 \ub300\ud55c \uc811\uadfc\uc131\uacfc \ub0ae\uc740 \uc218\uc218\ub8cc\ub97c \uc81c\uacf5\ud558\ub294 \uac83\uc774 \ud558\ub098\uc740\ud589\uc758 \ud070 \uc7a5\uc810\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud2b9\uc131\uc740 \uc790\uc0b0\uc758 \uad6d\uc81c\uc801 \ubd84\uc0b0\uc744 \uc6d0\ud558\ub294 \uace0\uac1d\uc5d0\uac8c \ub9e4\ub825\uc801\uc778 \uc120\ud0dd\uc9c0\ub85c \uc791\uc6a9\ud569\ub2c8\ub2e4. \uae00\ub85c\ubc8c \ud22c\uc790 \uc0c1\ud488\uc5d0 \ub300\ud55c \uc811\uadfc\uc774 \uc6a9\uc774\ud558\uae30 \ub54c\ubb38\uc5d0, \uace0\uac1d\uc740 \ub2e4\uc591\ud55c \uad6d\uac00\uc640 \uc9c0\uc5ed\uc5d0 \uc790\uc0b0\uc744 \ubd84\uc0b0\uc2dc\ud0a4\uba70 \ub9ac\uc2a4\ud06c\ub97c \uad00\ub9ac\ud560 \uc218 \uc788\ub294 \uae30\ud68c\ub97c \uac00\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

IRP \uc218\uc218\ub8cc \ube44\uad50<\/a><\/p>\n\n\n\n

\uc6b0\ub9ac\uc740\ud589\uc758 IRP \uacc4\uc88c\ub294 \uace0\uac1d\uc5d0\uac8c \ub2e4\uc591\ud55c \uc218\uc218\ub8cc \uad6c\uc870\uc640 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\uc5ec \uc7a5\uae30\uc801\uc778 \uc790\uc0b0 \uad00\ub9ac\uc5d0 \ub3c4\uc6c0\uc744 \uc90d\ub2c8\ub2e4. \uba3c\uc800, \uc6b4\uc6a9\uad00\ub9ac \uc218\uc218\ub8cc\uc5d0 \ub300\ud574 \uc0b4\ud3b4\ubcf4\uba74, \uc6b0\ub9ac\uc740\ud589\uc758 \uc6b4\uc6a9\uad00\ub9ac \uc218\uc218\ub8cc\ub294 \uc57d 0.22% \uc218\uc900\uc785\ub2c8\ub2e4. \uc774 \uc218\uc218\ub8cc\ub294 \uace0\uac1d\uc774 \uc77c\uc815 \uae08\uc561 \uc774\uc0c1\uc758 \uc794\uace0\ub97c \uc720\uc9c0\ud560 \uacbd\uc6b0 \uc218\uc218\ub8cc \uac10\uba74 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\uae30\ub3c4 \ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc218\uc218\ub8cc \uac10\uba74 \uc815\ucc45\uc740 \uace0\uac1d\uc758 \uc7a5\uae30 \uc790\uc0b0 \uc720\uc9c0\ub97c \ub3c5\ub824\ud558\ub294 \uc694\uc18c\ub85c \uc791\uc6a9\ud558\uba70, \uace0\uac1d\uc774 \uc9c0\uc18d\uc801\uc73c\ub85c \uc790\uc0b0\uc744 \uad00\ub9ac\ud558\ub3c4\ub85d \uc720\ub3c4\ud569\ub2c8\ub2e4. \uc790\uc0b0\uc6b4\uc6a9 \uc218\uc218\ub8cc\ub294 \uc0c1\ud488\uc5d0 \ub530\ub77c \uc57d 0.5%\uc5d0\uc11c 1.2%\ub85c \ucc28\uc774\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uc6b0\ub9ac\uc740\ud589\uc740 \ube44\uad50\uc801 \uc548\uc815\uc801\uc778 \uc218\uc775\uc744 \ucd94\uad6c\ud558\ub294 \ud380\ub4dc\ub97c \ub9ce\uc774 \uc81c\uacf5\ud558\uace0 \uc788\uc73c\uba70, \uc774\ub294 \ud22c\uc790\uc790\ub4e4\uc774 \uc2e0\uc911\ud558\uac8c \uc790\uc0b0\uc744 \ubc30\ubd84\ud560 \uc218 \uc788\ub3c4\ub85d \ub3d5\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \uc6b0\ub9ac\uc740\ud589\uc740 \ub2e4\uc591\ud55c \uae08\uc735 \uc815\ubcf4\ub97c \uc81c\uacf5\ud558\uc5ec \uace0\uac1d\uc774 informed decision\uc744 \ub0b4\ub9b4 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud569\ub2c8\ub2e4. \uace0\uac1d\uc740 \uc790\uc2e0\uc758 \ud22c\uc790 \uc131\ud5a5\uc5d0 \ub9de\ub294 \uc0c1\ud488\uc744 \uc120\ud0dd\ud558\uace0, \uc548\uc815\uc801\uc778 \uc218\uc775\uc744 \ucd94\uad6c\ud560 \uc218 \uc788\ub294 \uae30\ud68c\ub97c \uac00\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc6b0\ub9ac\uc740\ud589\uc758 IRP \uacc4\uc88c\ub294 \uc218\uc218\ub8cc \ud560\uc778 \ud61c\ud0dd\uacfc \ub2e4\uc591\ud55c \uc774\ubca4\ud2b8\ub97c \uc790\uc8fc \uc81c\uacf5\ud558\ub294 \uac83\uc774 \uac15\uc810\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc774\ubca4\ud2b8\ub294 \uace0\uac1d\uc774 \uacc4\uc88c\ub97c \uac1c\uc124\ud558\uace0 \uc720\uc9c0\ud558\ub294 \ub370 \uc788\uc5b4 \ucd94\uac00\uc801\uc778 \uc720\uc778\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \ub354\ubd88\uc5b4, \uc6b0\ub9ac\uc740\ud589\uc740 \uc9c0\uc5ed\uc0ac\ud68c\uc640\uc758 \uc5f0\uacc4\ub97c \ud1b5\ud574 \uace0\uac1d \ub9de\ucda4\ud615 \uae08\uc735\uc0c1\ud488\uc744 \uc81c\uacf5\ud558\uace0 \uc788\uc73c\uba70, \ud2b9\uc815 \uace0\uac1d\uce35(\uc608: \uacf5\ubb34\uc6d0, \uad50\uc0ac \ub4f1)\uc744 \ub300\uc0c1\uc73c\ub85c \ud55c \ud2b9\ubcc4 \ud61c\ud0dd\ub3c4 \ub9ce\uc774 \ub9c8\ub828\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uace0\uac1d\uc774 \uc790\uc2e0\uc758 \uc0c1\ud669\uc5d0 \ub9de\ub294 \uae08\uc735\uc0c1\ud488\uc744 \uc120\ud0dd\ud560 \uc218 \uc788\ub3c4\ub85d \ub3c4\uc640\uc8fc\uba70, \uace0\uac1d \ub9cc\uc871\ub3c4\ub97c \ub192\uc774\ub294 \ub370 \uae30\uc5ec\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n

\ubbf8\ub798\uc5d0\uc14b\uc99d\uad8c\uc758 IRP \uacc4\uc88c\ub294 \ub2e4\uc591\ud55c \uc218\uc218\ub8cc \uad6c\uc870\uc640 \uace0\uac1d \ub9de\ucda4\ud615 \uc11c\ube44\uc2a4\ub97c \ud1b5\ud574 \ud22c\uc790\uc790\uc5d0\uac8c \ub9e4\ub825\uc801\uc778 \uc120\ud0dd\uc9c0\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc6b0\uc120, \uc6b4\uc6a9\uad00\ub9ac \uc218\uc218\ub8cc\uc5d0 \ub300\ud574 \uc0b4\ud3b4\ubcf4\uba74, \ubbf8\ub798\uc5d0\uc14b\uc99d\uad8c\uc740 \uc6b4\uc6a9\uad00\ub9ac \uc218\uc218\ub8cc\uac00 0.15%\ub85c, \ub2e4\ub978 \uae08\uc735\uae30\uad00\uacfc \ube44\uad50\ud574 \ub9e4\uc6b0 \ub0ae\uc740 \ud3b8\uc785\ub2c8\ub2e4. \uc774\ub294 \uc99d\uad8c\uc0ac\ub85c\uc11c\uc758 \uacbd\uc7c1\ub825\uc744 \uc720\uc9c0\ud558\uace0\uc790 \ud558\ub294 \uc804\ub7b5\uc758 \uc77c\ud658\uc73c\ub85c \ubcfc \uc218 \uc788\uc73c\uba70, \uace0\uac1d\uc5d0\uac8c\ub294 \ube44\uc6a9 \ubd80\ub2f4\uc744 \uc904\uc77c \uc218 \uc788\ub294 \uae30\ud68c\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \ub0ae\uc740 \uc218\uc218\ub8cc\ub294 \uc7a5\uae30\uc801\uc73c\ub85c \ud22c\uc790 \uc218\uc775\ub960\uc5d0 \uae0d\uc815\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\uc5b4, \uace0\uac1d\uc774 \uc790\uc0b0\uc744 \ubcf4\ub2e4 \ud6a8\uacfc\uc801\uc73c\ub85c \uad00\ub9ac\ud560 \uc218 \uc788\ub3c4\ub85d \ub3d5\uc2b5\ub2c8\ub2e4. \ub2e4\uc74c\uc73c\ub85c, \uc790\uc0b0\uc6b4\uc6a9 \uc218\uc218\ub8cc\uc5d0 \ub300\ud574 \uc54c\uc544\ubcf4\uba74, \ubbf8\ub798\uc5d0\uc14b\uc99d\uad8c\uc758 \uc790\uc0b0\uc6b4\uc6a9 \uc218\uc218\ub8cc\ub294 0.3%\uc5d0\uc11c 1.0%\ub85c \uc124\uc815\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uc218\uc218\ub8cc\ub294 ETF\uc640 \uac19\uc740 \uc800\ube44\uc6a9 \uc0c1\ud488 \uc6b4\uc6a9 \uc2dc \uc720\ub9ac\ud558\uac8c \uc791\uc6a9\ud569\ub2c8\ub2e4. \ud2b9\ud788 ETF\ub97c \ud65c\uc6a9\ud55c \uc800\ube44\uc6a9 \uace0\ud6a8\uc728 \uc6b4\uc6a9 \uc804\ub7b5\uc744 \uc120\ud638\ud558\ub294 \ud22c\uc790\uc790\uc5d0\uac8c \ub9e4\uc6b0 \uc801\ud569\ud569\ub2c8\ub2e4. \uace0\uac1d\uc740 \ub2e4\uc591\ud55c ETF \uc0c1\ud488\uc744 \ud1b5\ud574 \ube44\uc6a9\uc744 \ucd5c\uc18c\ud654\ud558\uba74\uc11c\ub3c4 \ud6a8\uacfc\uc801\uc778 \uc790\uc0b0 \ubc30\ubd84\uc744 \ud560 \uc218 \uc788\ub294 \uae30\ud68c\ub97c \uac00\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubbf8\ub798\uc5d0\uc14b\uc99d\uad8c\uc758 IRP \uacc4\uc88c\ub294 \uc774\ub7ec\ud55c \uc218\uc218\ub8cc \uad6c\uc870 \uc678\uc5d0\ub3c4 \uc99d\uad8c\uc0ac \ud2b9\uc720\uc758 \uac15\uc810\uc744 \uc0b4\ub824 \ub2e4\uc591\ud55c ETF \uc0c1\ud488\uc744 \uc81c\uacf5\ud558\ub294 \uac83\uc774 \ud2b9\uc9d5\uc785\ub2c8\ub2e4. \uace0\uac1d\uc740 \uc790\uc2e0\uc5d0\uac8c \ub9de\ub294 \ub2e4\uc591\ud55c \ud22c\uc790 \uc635\uc158\uc744 \uc120\ud0dd\ud560 \uc218 \uc788\uc73c\uba70, \uc774\ub294 \ud22c\uc790 \uc131\ud5a5\uc5d0 \ub530\ub77c \ub9de\ucda4\ud615 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\uc131\ud558\ub294 \ub370 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \ub610\ud55c, \ubbf8\ub798\uc5d0\uc14b\uc99d\uad8c\uc740 \uace0\uac1d\uc758 \ud22c\uc790 \uc131\ud5a5\uc5d0 \ub9de\ucd98 \ub9de\ucda4\ud615 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc81c\uc548\uc744 \ud1b5\ud574 \uace0\uac1d \ub9cc\uc871\ub3c4\ub97c \ub192\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub9de\ucda4\ud615 \uc11c\ube44\uc2a4\ub294 \uace0\uac1d\uc774 \uc790\uc2e0\uc758 \ubaa9\ud45c\uc5d0 \ub9de\ub294 \ud22c\uc790 \uc804\ub7b5\uc744 \uc138\uc6b0\ub294 \ub370 \uae30\uc5ec\ud558\uba70, \uc7a5\uae30\uc801\uc778 \ud22c\uc790 \uc131\uacfc\ub97c \ud5a5\uc0c1\uc2dc\ud0ac \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

\uc0bc\uc131\uc99d\uad8c\uc758 IRP \uacc4\uc88c\ub294 \ub2e4\uc591\ud55c \uc218\uc218\ub8cc \uad6c\uc870\uc640 \ud604\ub300\uc801\uc778 \uc11c\ube44\uc2a4 \ud50c\ub7ab\ud3fc\uc744 \ud1b5\ud574 \ud22c\uc790\uc790\uc5d0\uac8c \uc720\ub9ac\ud55c \uc870\uac74\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uba3c\uc800, \uc6b4\uc6a9\uad00\ub9ac \uc218\uc218\ub8cc\uc5d0 \ub300\ud574 \uc0b4\ud3b4\ubcf4\uba74, \uc0bc\uc131\uc99d\uad8c\uc740 \uc57d 0.18%\uc758 \uc6b4\uc6a9\uad00\ub9ac \uc218\uc218\ub8cc\ub97c \ubd80\uacfc\ud569\ub2c8\ub2e4. \uc774 \uc218\uc218\ub8cc\ub294 \uacc4\uc88c \uc794\uace0\uac00 \ub9ce\uc744\uc218\ub85d \uac10\uba74 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\ub294 \uad6c\uc870\ub85c \ub418\uc5b4 \uc788\uc5b4, \uc7a5\uae30 \ud22c\uc790\uc790\uc5d0\uac8c \ud2b9\ud788 \uc720\ub9ac\ud569\ub2c8\ub2e4. \ub192\uc740 \uc794\uace0\ub97c \uc720\uc9c0\ud558\ub294 \uace0\uac1d\uc740 \uc218\uc218\ub8cc \ubd80\ub2f4\uc744 \uc904\uc77c \uc218 \uc788\uc5b4, \uc7a5\uae30\uc801\uc778 \uc790\uc0b0 \uad00\ub9ac\uc5d0 \uae0d\uc815\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc790\uc0b0\uc6b4\uc6a9 \uc218\uc218\ub8cc\ub294 \ud380\ub4dc \uc0c1\ud488\uc5d0 \ub530\ub77c 0.4%\uc5d0\uc11c 1.2% \uc218\uc900\uc73c\ub85c \uc801\uc6a9\ub429\ub2c8\ub2e4. \uc0bc\uc131\uc99d\uad8c\uc740 \ub2e4\uc591\ud55c \uad6d\ub0b4\uc678 \ud380\ub4dc \uc0c1\ud488\uc744 \uc81c\uacf5\ud558\uc5ec \uace0\uac1d\ub4e4\uc774 \uc790\uc0b0\uc744 \ub2e4\uc591\ud558\uac8c \ubd84\uc0b0\ud560 \uc218 \uc788\ub3c4\ub85d \ub3d5\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \uace0\uac1d\uc740 \uc790\uc2e0\uc758 \ud22c\uc790 \uc131\ud5a5\uacfc \ubaa9\ud45c\uc5d0 \ub9de\ub294 \uc0c1\ud488\uc744 \uc120\ud0dd\ud558\uc5ec \ubcf4\ub2e4 \ud6a8\uacfc\uc801\uc778 \uc790\uc0b0 \ubc30\ubd84\uc744 \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc0bc\uc131\uc99d\uad8c\uc758 IRP \uacc4\uc88c\ub294 \uc774\ub7ec\ud55c \uc218\uc218\ub8cc \uad6c\uc870 \uc678\uc5d0\ub3c4 \uc628\ub77c\uc778 \uac70\ub798 \ud50c\ub7ab\ud3fc\uc774 \uc798 \uad6c\ucd95\ub418\uc5b4 \uc788\ub2e4\ub294 \ud2b9\uc9d5\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ube44\ub300\uba74\uc73c\ub85c IRP \uacc4\uc88c\ub97c \uc6b4\uc6a9\ud558\ub824\ub294 \ud22c\uc790\uc790\uc5d0\uac8c \ub9e4\uc6b0 \uc801\ud569\ud55c \ud658\uacbd\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \ud2b9\ud788, \uc0bc\uc131\uc99d\uad8c\uc740 \uc2e4\uc2dc\uac04 \uc2dc\uc7a5 \uc815\ubcf4\uc640 AI \uae30\ubc18\uc758 \ud22c\uc790 \uc790\ubb38 \uc11c\ube44\uc2a4\ub97c \ud1b5\ud574 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \ub354\uc6b1 \ud6a8\uc728\uc801\uc778 \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9b4 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub514\uc9c0\ud138 \uc11c\ube44\uc2a4\ub294 \uace0\uac1d\uc774 \uc5b8\uc81c \uc5b4\ub514\uc11c\ub098 \uc190\uc27d\uac8c \ud22c\uc790 \uc815\ubcf4\ub97c \ud655\uc778\ud558\uace0, \ube60\ub974\uac8c \uc758\uc0ac \uacb0\uc815\uc744 \ud560 \uc218 \uc788\uac8c \ud574\uc90d\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"

\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08(IRP) \uacc4\uc88c\ub294 \ub178\ud6c4 \ub300\ube44 \ubc0f \uc138\uc81c \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\ub294 \uc911\uc694\ud55c \uae08\uc735 \uc0c1\ud488\uc73c\ub85c \uc790\ub9ac\uc7a1\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 IRP \uacc4\uc88c\ub97c \ud1b5\ud574 \ud1f4\uc9c1\uae08\uc744 \uad00\ub9ac\ud558\uac70\ub098 \ucd94\uac00\uc801\uc778 \ub0a9\uc785\uc744 \ud1b5\ud574 \ub178\ud6c4 \uc790\uae08\uc744 \uccb4\uacc4\uc801\uc73c\ub85c \uc900\ube44\ud558\ub294 \uac83\uc740 \uac08\uc218\ub85d \uadf8 \uc911\uc694\uc131\uc774 \ucee4\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uae08\uc735\uae30\uad00\ub9c8\ub2e4 IRP \uacc4\uc88c\uc5d0 \ubd80\uacfc\ub418\ub294 \uc218\uc218\ub8cc\uac00 \uc0c1\uc774\ud558\uae30 \ub54c\ubb38\uc5d0 \uacc4\uc88c \uac1c\uc124 \uc804 \uae08\uc735\uae30\uad00\ubcc4 \uc218\uc218\ub8cc\ub97c \ube44\uad50\ud558\ub294 \uac83\uc740 \ud544\uc218\uc801\uc778 \uacfc\uc815\uc785\ub2c8\ub2e4. \ubcf8 \uae00\uc740 \uc8fc\uc694 \uad6d\ub0b4 \uae08\uc735\uae30\uad00\ub4e4\uc758 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"class_list":["post-49","post","type-post","status-publish","format-standard","hentry","category-6"],"_links":{"self":[{"href":"https:\/\/chemzone.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/49","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/chemzone.co.kr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/chemzone.co.kr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/chemzone.co.kr\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/chemzone.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=49"}],"version-history":[{"count":1,"href":"https:\/\/chemzone.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/49\/revisions"}],"predecessor-version":[{"id":50,"href":"https:\/\/chemzone.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/49\/revisions\/50"}],"wp:attachment":[{"href":"https:\/\/chemzone.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=49"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/chemzone.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=49"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/chemzone.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=49"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}