{"id":2498,"date":"2025-05-10T16:05:53","date_gmt":"2025-05-10T08:05:53","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2498"},"modified":"2025-05-10T16:05:53","modified_gmt":"2025-05-10T08:05:53","slug":"%e5%8d%b0%e5%ba%a6%e4%b8%bb%e6%b5%81%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e6%9c%89%e5%93%aa%e4%ba%9b%ef%bc%9f2025%e6%9c%80%e6%96%b0%e6%b1%87%e6%80%bb","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/05\/10\/%e5%8d%b0%e5%ba%a6%e4%b8%bb%e6%b5%81%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e6%9c%89%e5%93%aa%e4%ba%9b%ef%bc%9f2025%e6%9c%80%e6%96%b0%e6%b1%87%e6%80%bb\/","title":{"rendered":"\uc778\ub3c4\uc758 \uc8fc\uc694 \uacb0\uc81c \ucc44\ub110\uc740 \ubb34\uc5c7\uc778\uac00\uc694? 2025\ub144 \ucd5c\uc2e0 \uc694\uc57d"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts55.mm.bing.net\/th?q=phonepe54\" alt=\"\uc778\ub3c4\uc758 \uc8fc\uc694 \uacb0\uc81c \ucc44\ub110\uc740 \ubb34\uc5c7\uc778\uac00\uc694? 2025\ub144 \ucd5c\uc2e0 \uc694\uc57d\" title=\"\uc778\ub3c4\uc758 \uc8fc\uc694 \uacb0\uc81c \ucc44\ub110\uc740 \ubb34\uc5c7\uc778\uac00\uc694? 2025\ub144 \ucd5c\uc2e0 \uc694\uc57d\"><\/p>\n<p>\uc544\ub798\ub294 2025\ub144 \uc778\ub3c4\uc758 \uc8fc\uc694 \uacb0\uc81c \ucc44\ub110\uc5d0 \ub300\ud55c \ucd5c\uc2e0 \uc694\uc57d\uc73c\ub85c, \uaddc\uc81c \ubcc0\ud654 \ubc0f \uc2dc\uc7a5 \ub3d9\ud5a5\uacfc \ud568\uaed8 \uae30\uc874 \uacb0\uc81c \uc218\ub2e8\uacfc \uc0c8\ub85c\uc6b4 \uacb0\uc81c \uc218\ub2e8\uc744 \ubaa8\ub450 \ud3ec\ud568\ud569\ub2c8\ub2e4:<\/p>\n<hr>\n<h3><strong>I. \uc740\ud589 \uce74\ub4dc \ubc0f \uc2e0\uc6a9\uce74\ub4dc \ub124\ud2b8\uc6cc\ud06c<\/strong><\/h3>\n<ol>\n<li>\n<p><strong>RuPay<\/strong><\/p>\n<ul>\n<li>60% \uc774\uc0c1\uc758 \uc2dc\uc7a5 \uc810\uc720\uc728\uc744 \uac00\uc9c4 \uc778\ub3c4\uc758 \ud1a0\ucc29 \uce74\ub4dc \ub124\ud2b8\uc6cc\ud06c(NPCI \uc0b0\ud558)\ub294 UPI \uc5f0\ub3d9\uc744 \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/li>\n<li>2025\ub144\uc758 \uc0c8\ub85c\uc6b4 \uae30\ub2a5: \uc2e0\uc6a9 \uae30\ub2a5\uc774 \ud1b5\ud569\ub41c \ud504\ub9ac\ubbf8\uc5c4 \uce74\ub4dc 'RuPay Prime'\uc744 \ucd9c\uc2dc\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\ube44\uc790\/\ub9c8\uc2a4\ud130\uce74\ub4dc<\/strong><\/p>\n<ul>\n<li>\ud574\uc678 \uce74\ub4dc\uac00 \uace0\uc561 \uc9c0\ucd9c\uc744 \uc8fc\ub3c4\ud558\uace0 \uc788\uc73c\uba70, RBI \ub370\uc774\ud130 \ud604\uc9c0\ud654 \uaddc\uc815\uc774 \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/li>\n<li><em>\ub3c4\uc804<\/em>\ub192\uc740 \ucc98\ub9ac \uc218\uc218\ub8cc\ub85c \uc778\ud574 \uc77c\ubd80 \ud310\ub9e4\uc790\ub294 UPI\ub85c \uc804\ud658\ud588\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\uc544\uba54\ub9ac\uce78 \uc775\uc2a4\ud504\ub808\uc2a4\/JCB<\/strong><\/p>\n<ul>\n<li>\uc8fc\ub85c \uc5ec\ud589 \ubc0f \ube44\uc988\ub2c8\uc2a4 \uc2dc\ub098\ub9ac\uc624\uc5d0\uc11c \uc0ac\uc6a9\ub418\uba70 \uc0ac\uc6a9\uc790 \uae30\ubc18\uc740 \uc791\uc9c0\ub9cc \uc548\uc815\uc801\uc73c\ub85c \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<hr>\n<h3><strong>II. UPI \uc0dd\ud0dc\uacc4(\uc9c0\ubc30\ub825)<\/strong><\/h3>\n<ol>\n<li>\n<p><strong>\uc778\ud504\ub77c<\/strong><\/p>\n<ul>\n<li>NPCI\ub294 2025\ub144\uc5d0 \ud558\ub8e8 15\uc5b5 \uac74\uc744 \ub3cc\ud30c\ud55c \uc2e4\uc2dc\uac04 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc744 \uc6b4\uc601\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\uc8fc\uc694 \ud50c\ub808\uc774\uc5b4<\/strong>::<\/p>\n<ul>\n<li><strong>PhonePe<\/strong>(\uc6d4\ub9c8\ud2b8 \uc9c0\ubd84): \uc2dc\uc7a5 \uc810\uc720\uc728 35%, \uc0c8\ub85c\uc6b4 \uad6d\uacbd \uac04 \uc1a1\uae08 \uae30\ub2a5.<\/li>\n<li><strong>Google Pay<\/strong>\ud06c\ub808\ub527 \uc11c\ube44\uc2a4 '\ub098\uc911\uc5d0 \uad6c\uae00 \ud398\uc774' \ud1b5\ud569.<\/li>\n<li><em>PayTM<\/em>\ubc45\ud0b9 \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4\ub85c \uc804\ud658\ud55c \ud6c4 \ud310\ub9e4\uc790 \uc194\ub8e8\uc158\uc5d0 \uc9d1\uc911\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><em>\ud601\uc2e0\uc801\uc778 \uae30\ub2a5<\/em>::<br \/>\n- UPI \ub77c\uc774\ud2b8 X: PIN \uc5c6\uc774 \uc624\ud504\ub77c\uc778 \uc18c\uc561 \uacb0\uc81c(5000\uc6d0 \ubbf8\ub9cc);<br \/>\n- UPI123Pay: \uace0\ub839 \uc0ac\uc6a9\uc790\ub97c \uc704\ud55c IVR \uc74c\uc131 \uacb0\uc81c \uc11c\ube44\uc2a4\uc785\ub2c8\ub2e4.<\/p>\n<\/li>\n<\/ol>\n<hr>\n<h3><strong>III. \ub514\uc9c0\ud138 \uc9c0\uac11 \ubc0f \uc9c0\uae08 \uad6c\ub9e4 \ud6c4 \uacb0\uc81c(BNPL)<\/strong><\/h3>\n<ol>\n<li>\n<p><strong>\ubaa8\ube44\ud035\/\uc81c\uc2a4\ud2b8\uba38\ub2c8<\/strong>:<br \/>\n\uc2e0\uc6a9 \ud55c\ub3c4 + \uc804\uc790 \uace8\ub4dc \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ud504\ub85c\uadf8\ub7a8\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n<\/li>\n<li>\n<p><em>\uc2e0\ud765 \ud50c\ub808\uc774\uc5b4<\/em>:<br \/>\n\uc544\ub9c8\uc874\uc758 '\uc544\ub9c8\uc874 \ud398\uc774 \ub77c\ud130'\ub294 NBFC \ud30c\ud2b8\ub108\uc2ed\uc744 \ud1b5\ud574 \ud655\uc7a5\ud558\uace0, \ud50c\ub9bd\uce74\ud2b8\uc758 '\uc288\ud37c\uba38\ub2c8'\ub294 \ubb34\uc774\uc790 \ud560\ubd80\uc5d0 \uc9d1\uc911\ud569\ub2c8\ub2e4.<\/p>\n<\/li>\n<\/ol>\n<hr>\n<h3><em><strong>IV. \uc740\ud589 \uc9c1\uc811 \uc5f0\uacb0 \ud504\ub85c\uadf8\ub7a8<\/strong><\/em><\/h3>\n<ul>\n<li>\uad6c\ub3c5 \uacbd\uc81c\uc5d0\uc11c 'e-NACH' \uc790\ub3d9 \uc774\uccb4 \ud504\ub85c\ud1a0\ucf5c\uc774 \ub300\uc911\ud654\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li>\ub18d\ucd0c \uc9c0\uc5ed\uc5d0\uc11c\ub294 \uc5ec\uc804\ud788 '\uc544\ub4dc\ud558\ub974 \uc9c0\uc6d0 \uacb0\uc81c \uc2dc\uc2a4\ud15c(AEPS)'\uc758 \uc0dd\uccb4\uc778\uc2dd \ud604\uae08 \uc778\ucd9c\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<hr>\n<h3><em><strong>V. \uad6d\uacbd \uac04 \ubc0f B2B \uc804\uc6a9<\/strong><\/em><\/h3>\n<ol>\n<li>\ub9ac\ud50c\ub137 \ud30c\ud2b8\ub108 \uc740\ud589\uc744 \uc704\ud55c \uac00\uc18d\ud654\ub41c \uc628\uccb4\uc778 \uc678\ud658 \uacb0\uc81c.<br \/>\n2.<em>\uc778\ub3c4 \uc2a4\ud0dd<\/em>OCEN(\uc624\ud508 \ud06c\ub808\ub527 \ub124\ud2b8\uc6cc\ud06c)\uc740 API \ub300\ucd9c\uc744 \ud1b5\ud574 \uc911\uc18c\uae30\uc5c5\uc758 \uc5ed\ub7c9\uc744 \uac15\ud654\ud569\ub2c8\ub2e4.<\/li>\n<\/ol>\n<hr>\n<h2>\u2705 \uc8fc\uc694 \ud2b8\ub80c\ub4dc \uc2dc\uacc4:<\/h2>\n<table>\n<thead>\n<tr>\n<th>\uc601\uc5ed<\/th>\n<th>2025 \uac1c\ubc1c<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\uac10\ub3c5<\/td>\n<td>\ub370\uc774\ud130 \uc720\ucd9c \uc704\ud5d8\uc744 \uc904\uc774\uae30 \uc704\ud574 \ud1a0\ud070\ud654\ub97c \ucd94\uc9c4\ud558\ub294 RBI<\/td>\n<\/tr>\n<tr>\n<td>skill<\/td>\n<td>CBDC \ud30c\uc77c\ub7ff\uc744 \uc18c\ub9e4\uc5c5(\ub514\uc9c0\ud138 \ub8e8\ud53c)\uc73c\ub85c \ud655\ub300 \uc801\uc6a9<\/td>\n<\/tr>\n<tr>\n<td>\uacbd\uc7c1 \ud658\uacbd<\/td>\n<td>\uc9c0\uc624 \ud30c\uc774\ub0b8\uc15c \uc11c\ube44\uc2a4, \uacb0\uc81c \uc804\uc7c1\uc5d0 \ub3cc\uc785\ud558\ub2e4<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\uae30\uc5c5\uc740 \ucc44\ub110\uc744 \uc120\ud0dd\ud560 \ub54c (a) \uc9c0\ubc29 \uc11c\ube44\uc2a4 \ubc94\uc704, (b) \uaddc\uc815 \uc900\uc218 \ube44\uc6a9, (c) \uc784\ubca0\ub514\ub4dc \uae08\uc735 \uc9c0\uc6d0(\uc608: \ubcf4\ud5d8\/\uc790\uc0b0 \uad00\ub9ac) \ub4f1\uc758 \uc6b0\uc120\uc21c\uc704\ub97c \uc815\ud558\uace0 \ud3c9\uac00\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uc0b0\uc5c5\ubcc4 \uc194\ub8e8\uc158\uc774 \ud544\uc694\ud55c \uacbd\uc6b0 \uc790\uc138\ud55c \ub0b4\uc6a9\uc744 \uc804\ub2ec\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub2e4\uc74c\uc740 \uc778\ub3c4\uc758 \uacb0\uc81c \uc0dd\ud0dc\uacc4\uc5d0 \ub300\ud55c \uc2ec\uce35\uc801\uc778 \ud655\uc7a5 \ubd84\uc11d\uc73c\ub85c, \uc0c8\ub86d\uac8c \ub5a0\uc624\ub974\ub294 \ud2b8\ub799, \uaddc\uc81c\uc758 \ud68c\uc0c9 \uc9c0\ub300, \uae30\uc5c5 \uc218\uc900\uc758 \uc194\ub8e8\uc158 \uad8c\uc7a5 \uc0ac\ud56d\uc744 \ub2e4\ub8f9\ub2c8\ub2e4:<\/p>\n<hr>\n<h3><strong>VI. \ubc29\uce58\ub41c \uc138\ubd84\ud654 \ud2b8\ub799(2025\ub144 \ud3ed\ubc1c \uc9c0\uc810)<\/strong><\/h3>\n<h4>1. <strong>\uc74c\uc131 \uacb0\uc81c\uc640 \uc2dc\ub2c8\uc5b4 \uacbd\uc81c<\/strong><\/h4>\n<ul>\n<li><strong>NPCI\uc758 UPI123Pay<\/strong>\uc774\ubbf8 8 \uac1c \ubc29\uc5b8 \uc9c0\uc6d0, Reliance Jio\uc640 \ud611\ub825\ud558\uc5ec '\uc74c\uc131 \uc9c0\ubb38 \uc778\uc99d'\uae30\ub2a5 \ucd9c\uc2dc<\/li>\n<li><em>\uc0ac\ub840(\ubc95\ub960)<\/em>: \ud0c0\ud0c0 \uadf8\ub8f9\uc758 '\ud0c0\ud0c0 \ub274' \uc571 \ub0b4 \uc6b0\uc720 \uc74c\uc131 \uc8fc\ubb38\uc73c\ub85c \uc6d4 300\ub9cc \uba85\uc758 \ub178\uc778 \uace0\uac1d \ud655\ubcf4<\/li>\n<\/ul>\n<h4>2. <strong>\ucc28\ub7c9 \ub0b4 \uacb0\uc81c \uc2dc\uc2a4\ud15c<\/strong><\/h4>\n<ul>\n<li>'\uc624\ud1a0\ud398\uc774'\uac00 \uc0ac\uc804 \uc124\uce58\ub41c \ub9c8\ud78c\ub4dc\ub77c \uc804\uae30\ucc28: \uc8fc\uc720\/\ucda9\uc804 \uc694\uae08 \uc790\ub3d9 \ucc28\uac10(\uacf5\ub3d9 \ube0c\ub79c\ub4dc \ube44\uc790 \uce74\ub4dc + GPS \ud2b8\ub9ac\uac70)<\/li>\n<li><em>\uc22b\uc790<\/em>\ud154\ub808\ub9e4\ud2f1\uc2a4 \uacb0\uc81c, 2025\ub144\uae4c\uc9c0 1,200\uc5b5 \ub8e8\ud53c \uc608\uc0c1<\/li>\n<\/ul>\n<h4>3. <strong>\uba54\ud0c0\ubc84\uc2a4 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774<\/strong><\/h4>\n<ul>\n<li>\uc640\uc9c0\ub974\uc5d1\uc2a4 \uac70\ub798\uc18c, '\uba54\ud0c0\ub8e8\ud53c' \ucd9c\uc2dc: \uac8c\uc784 \ub0b4 NFT \uac70\ub798 \uacb0\uc81c \uc9c0\uc6d0(RBI \uc0cc\ub4dc\ubc15\uc2a4 \ub77c\uc774\uc120\uc2a4 \ud544\uc694)<\/li>\n<\/ul>\n<hr>\n<h3><strong>VII. \uace0\uc704\ud5d8, \uace0\uc218\uc775 \uc601\uc5ed<\/strong><\/h3>\n<table>\n<thead>\n<tr>\n<th>\uc720\ud615\ud559<\/th>\n<th>\uae30\ud68c<\/th>\n<th>\uc704\ud5d8 \uacbd\uace0<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>\uad6d\uacbd \uac04 \uc18c\uc15c \uc774\ucee4\uba38\uc2a4 \uacb0\uc81c<\/strong><\/td>\n<td>Shopify \uc778\ub3c4 \uc140\ub7ec\ub294 UPI\uc5d0 \uc561\uc138\uc2a4\ud558\uc5ec Stripe\uc744 \ud1b5\ud574 USD\ub97c \uc218\uae08\ud569\ub2c8\ub2e4.<\/td>\n<td>RBI, '\ubb34\uc5ed\uc73c\ub85c \uc704\uc7a5\ud55c' \uc18c\uc561 \uc1a1\uae08\uc5d0 \ub300\ud55c \uc870\uc0ac \uac15\ud654<\/td>\n<\/tr>\n<tr>\n<td><strong>\uc554\ud638\ud654\ud3d0 \uc7a5\uc678\uac70\ub798 \ucc44\ub110<\/strong><\/td>\n<td>\ud30d\uc18c\uc2a4, ICICI \uc740\ud589\uacfc \uc2a4\ud14c\uc774\ube14\ucf54\uc778 INR\u24e2 \uacb0\uc81c \uc2dc\ubc94 \uc6b4\uc601<\/td>\n<td>PMLA \uac1c\uc815\uc548, 10\ub9cc \ub8e8\ud53c \uc774\uc0c1 \uac70\ub798\uc5d0 KYC \uc801\uc6a9 \uc694\uad6c<\/td>\n<\/tr>\n<tr>\n<td><strong>\uc885\uad50 \uae30\ubd80 \uacfc\ud559 \ubc0f \uae30\uc220<\/strong><\/td>\n<td>\uc5f0\uac04 900\ud06c\ub85c\ub808(\ubd84\uc7c1 \uc911\uc778 GST)\uc758 \ubb3c \ud750\ub984\uc73c\ub85c PayTM \uc0ac\uc6d0 \ub2e4\uc548\uc758 \uae30\ub2a5\uc744 \uc218\ud589\ud569\ub2c8\ub2e4.<\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr>\n<h3><em><strong>VIII. \uae30\uc5c5 \uc218\uc900\uc758 \uc758\uc0ac \uacb0\uc815 \ud568\uc815<\/strong><\/em>(2024-25\ub144 \uc18c\uc1a1 \uc0ac\ub840 \uae30\uc900)<\/h3>\n<ol>\n<li>'\uc81c\ub85c \ucf54\uc2a4\ud2b8 EMI' \uc228\uaca8\uc9c4 \ube44\uc6a9: \uc2e4\ud6a8 \uc774\uc790\uc728\uc744 \uacf5\uac1c\ud558\uc9c0 \uc54a\uc544 \uc18c\ube44\uc790 \ubc95\uc6d0\uc5d0\uc11c \ubc8c\uae08\uc744 \ubd80\uacfc\ubc1b\uc740 \uc5ec\ub7ec BNPL \ud50c\ub7ab\ud3fc\ub4e4<\/li>\n<li>\uc544\ub4dc\ud558\ub974 \uc0dd\uccb4 \uc778\uc2dd \uc624\uc6a9: \uc758\ub8cc \uc571\uc774 AEPS\uc758 \uacc4\uc815\uc744 \ubab0\ub798 \ube7c\ub3cc\ub9b0 \ud610\uc758\ub85c 2\ubc31\ub9cc \ub8e8\ud53c\uc758 \uc190\ud574\ubc30\uc0c1\uae08\uc744 \uc9c0\ubd88\ud558\ub77c\ub294 \uba85\ub839\uc744 \ubc1b\uc558\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ol>\n<hr>\n<h3><em><strong>IX. \uc778\ud504\ub77c \uc218\uc900\uc758 \uc0c8\ub85c\uc6b4 \ud50c\ub808\uc774\uc5b4<\/strong><\/em><\/h3>\n<ul>\n<li><strong>AWS \uacb0\uc81c \ud074\ub77c\uc6b0\ub4dc<\/strong>: \uc2a4\ud0c0\ud2b8\uc5c5\uc744 \uc704\ud55c PCI DSS \uaddc\uc815 \uc900\uc218 \ud638\uc2a4\ud305(\uc0ac\uae30 \ubc29\uc9c0 AI \ud3ec\ud568)<\/li>\n<li><em>Jio\uc758 O2O \ud3d0\uc1c4\ud615 \ub8e8\ud504<\/em>: \"\uc9c0\uc624\ub9c8\ud2b8 \uc6d4\ub81b\" \uc624\ud504\ub77c\uc778 \uc2a4\uc715 \uce90\uc2dc\ubc31 5%, \uad11\uace0 \uc2dc\uc2a4\ud15c\uc5d0 \uc9c1\uc811 \uc5f0\uacb0\ub41c \ub370\uc774\ud130<\/li>\n<\/ul>\n<hr>\n<h2>\ud83d\udd0d \ub2e4\uc74c \ub2e8\uacc4\ub97c \uc704\ud55c \uad8c\uc7a5 \uc0ac\ud56d:<\/h2>\n<p>1\ufe0f\u20e3 <strong>\uc2dc\ub098\ub9ac\uc624 \uae30\ubc18 \uc120\ud0dd \ub9e4\ud2b8\ub9ad\uc2a4<\/strong>::<\/p>\n<pre><code class=\"language-python\">if target_user == \"\uc2dc\uace8 \uc8fc\ubd80\".<br>\r\n   \uc120\ud638 = AEPS + WhatsApp \uacb0\uc81c \ub9c1\ud06c <br>\r\nelif use_case == \"SaaS \uad6c\ub3c5\"::<br>\r\n   \ud544\uc218 = e-NACH + \ucc28\uc9c0\ube44 \ud604\uc9c0\ud654\ub41c \uccad\uad6c<br>\r\n<\/code><\/pre>\n<p>2\ufe0f\u20e3 <strong>\uc2e0\uccad\ud574\uc57c \ud558\ub294 \ub77c\uc774\uc120\uc2a4 \ubaa9\ub85d<\/strong>:<\/p>\n<ul>\n<li>PA-CB(\uad6d\uacbd \uac04 \uc560\uadf8\ub9ac\uac8c\uc774\ud130 \ub77c\uc774\uc120\uc2a4) - \ud574\uc678 NRI\uc758 \uc1a1\uae08 \ucc98\ub9ac\ub97c \uc704\ud55c \ud544\uc218 \uc694\uc18c<\/li>\n<li>PPI-MTB(\ub300\uc911\uad50\ud1b5 \uc9c0\uac11) - \uc9c0\ud558\ucca0\/\uace0\uc18d\ub3c4\ub85c \ud1b5\ud589\ub8cc \ud560\uc778 \ud61c\ud0dd \uc774\uc6a9 \uc790\uaca9<\/li>\n<\/ul>\n<p>3\ufe0f\u20e3 <em><strong>\ud68c\ud53c \ud504\ub85c\uadf8\ub7a8<\/strong><\/em>:<br \/>\n\uc9c1\uc811 \uc678\ud658 \uc218\uae08 \ub300\uc2e0 \uc608\uc2a4\ubc45\ud06c\uc758 \"\uc5d0\uc2a4\ud06c\ub85c \ud504\ub85d\uc2dc \uacc4\uc88c\"\ub97c \uc0ac\uc6a9\ud558\uc5ec 15% \ub9c8\uc9c4\uc744 \uc808\uc57d\ud558\uc138\uc694.<\/p>\n<p>\uad6c\uccb4\uc801\uc778 \uc0ac\uc6a9 \uc0ac\ub840 \ub3c4\ucd9c \ub610\ub294 \uaddc\uc815 \uc900\uc218 \uc810\uac80 \ud504\ub808\uc784\uc6cc\ud06c \ud15c\ud50c\ub9bf\uc774 \ud544\uc694\ud558\uc2e0\uac00\uc694? \uc5c5\uacc4 \ubc0f \uc0ac\uc6a9\uc790 \ud504\ub85c\ud544\uc5d0 \ub300\ud574 \uc54c\ub824\uc8fc\uc138\uc694.<\/p>","protected":false},"excerpt":{"rendered":"<p>\ub2e4\uc74c\uc740 2025\ub144 \uc778\ub3c4\uc758 \uc8fc\uc694 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