{"id":13366,"date":"2017-08-09T17:10:00","date_gmt":"2017-08-09T09:10:00","guid":{"rendered":"https:\/\/172-105-121-241.ip.linodeusercontent.com\/?p=13366"},"modified":"2023-10-25T11:37:06","modified_gmt":"2023-10-25T03:37:06","slug":"%d0%b7%d1%8d%d1%8d%d0%bb%d0%b8%d0%b9%d0%bd-%d1%85%d2%af%d2%af-%d1%85%d1%8d%d0%b7%d1%8d%d1%8d-%d0%b1%d1%83%d1%83%d1%80%d0%b0%d1%85-%d0%b2%d1%8d","status":"publish","type":"post","link":"https:\/\/jargaldefacto.com\/?p=13366&lang=ko","title":{"rendered":"\ub300\ucd9c \uc774\uc790\uac00 \uc5b8\uc81c \uac10\uc18c\ud558\ub294\uac00?"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">WHEN WILL LENDING RATES GO DOWN?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ubabd\uace8\uc815\ubd80\uc640 \uad6d\ubbfc \ubaa8\ub450\uac00 \uc2e0\ubd88\ub7c9\uc790\uc758 \uae38\ub85c \ub2e4\uac00\uc11c\uace0, \u2018\ubd80\ucc44\uc758 \ub36b\u2019\uc5d0 \uac78\ub824 \ubc84\ub838\ub2e4. \uc9d1\uad8c\uc790\ub4e4\uc774 \ubcf4\uae30\ub97c, \ubd80\ucc44\uc5c6\uc774 \uacbd\uc81c\ubc1c\uc804\ub3c4 \uc5c6\ub2e8\ub2e4. \uadf8\ub807\ub2e4\uba74 \uad6d\ubbfc\ub4e4\uc740 \u2018\ube5a\uc774 \uc788\ub294 \uc0ac\ub78c\uc774 \uc798 \uc0b4\uc9c0 \ubabb\ud558\uace0, \ubc8c\ub808\uac00 \uc788\ub294 \uac00\ucd95\uc774 \uc0b4\ucc0c\uc9c0 \uc54a\ub294\ub2e4\u2019\uace0 \ub9d0\ud558\uc9c0\ub9cc \uac70\uc758 \ubaa8\ub450 \ub2e4 \ube5a\uc7c1\uc774\uac00 \ub418\uace0 \ub9d0\uc558\ub2e4. \ubabd\uace8\uacbd\uc81c\uac00 \uc5b8\uc81c\ub098 \uc704\uae30 \uc911\uc774\uace0, \uc0ac\uc5c5\ud558\ub824\uba74 \ub300\ucd9c\uc774\uc790 \ub9e4\uc6b0 \ub192\uc740\ub370 \uc5ce\uce5c \ub370 \uacb9\uce5c \uaca9\uc73c\ub85c \uc815\ubd80\ub3c4 \uc138\uae08\uc744 \uc62c\ub838\uc73c\ub2c8 \ubbfc\uac04\uc0ac\uc5c5\uc740 \uc0ac\ub77c\uc9c0\uace0, \uc77c\uc790\ub9ac\ub3c4 \ucc3e\uc744 \uc218 \uc5c6\uc5b4 \uad6d\ubbfc\ub4e4\uc774 \uc678\uad6d\uc5d0 \ub098\uac00\uac8c \ub418\uc5c8\ub2e4. \uc608\uc0b0\uc801\uc790 \uaddc\ubaa8\uc758 \uc99d\uac00\uc5d0 \ub530\ub77c \uc815\ubd80\uc758 \ubd80\ucc44\ub3c4 \uc99d\uac00\ud558\uace0, \uc740\ud589\uc774\uc790\ub3c4 \uc99d\uac00\ud558\ub294 \uc0ac\ub840\uac00 \ubabd\uace8\uc5d0\uc11c \ubc1c\uc0dd\ud558\uace4 \ud55c\ub2e4. &nbsp; &nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ub300\ucd9c\uc774\uc790\uac00 \uc99d\uac00\ud558\ub294 \uc774\uc720<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uae08\uc735\uc2dc\uc7a5\uc774\ub780 \uacfc\uc789\uc7ac\uc0b0\uc774 \ud544\uc694\ub85c \ud558\ub294 \uacf3\uc5d0 \uacf5\uae09\ub418\ub294 \ubd84\uc57c\uc774\ub2e4. \uc591\ub2f9\uc0ac\uc790\uc758 \ud544\uc694\uc5d0 \ub530\ub978 \ud06c\uae30, \uae30\uac04, \uc6d0\uac00\uc5d0 \ub9de\uac8c \uae08\uc735\uc7ac\uc0b0\uc744 \ud328\ud0a4\uc9c0\ub85c \uc911\ub9e4\ud558\ub294 \uc5ed\ud560\uc744 \uac70\ub798\uc740\ud589\uc774 \ub2f4\ub2f9\ud55c\ub2e4. \uac70\ub798\uc740\ud589\ub4e4\uc774 \uc608\uae08\uc774\uc790\uc5d0 \ud65c\ub3d9\ube44\uc640 \uc774\uc775\uc744 \ucd94\uac00\ud574\uc11c \ub300\ucd9c\uc774\uc790\ub97c \uc124\uc815\ud55c\ub2e4. &nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ubabd\uace8\uc740 \ud604\uc7ac \ubabd\uace8\ud654\ud3d0 \uc5f0\uac04 \uc608\uae08\uc774\uc790\uc728\uc774 14-16%, \ub300\ucd9c\uc774\uc790\uc728\uc774 22-28%, \ucc28\uc561\uc774 8-12%\uac00 \ub41c\uc9c0 \uc5ec\ub7ec \ud574\uac00 \uc9c0\ub0ac\ub2e4. \ud55c\ud3b8 \uc77c\ubcf8\uc740 \uc5f0\uac04 \uc815\uae30\uc608\uae08 \uc774\uc790\uc728\uc774 0.1%, \ubcf4\ud1b5\uc608\uae08 \uc774\uc790\uc728\uc774 0.02%\ub85c \ubaa8\ub4e0 \ub300\ucd9c\uc774 1.5%, \uc8fc\ud0dd\ub300\ucd9c\uc774 2.5%\uc758 \uc774\uc790\ub97c \ubd99\uc778\ub2e4. &nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc740\ud589\uc758 \uc608\uae08\uc774\uc790\ub294 \uc77c\ub2e8 \ud574\ub2f9 \uc740\ud589\uc758 \ub0b4\ub144 \uc874\uc7ac\uc5ec\ubd80, \uc874\uc7ac\ud574\ub3c4 \uc608\uae08\ud658\ubd88 \uac00\ub2a5\uc5ec\ubd80\uc5d0 \ub300\ud55c \uc2dc\uc7a5\ud3c9\uac00\uc758 \uae30\uc900\uc774\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uadf8\ub9ac\uace0 \uc608\uae08\uc774\uc790\uac00 \ud574\ub2f9 \uad6d\uac00\uc758 \ud1b5\ud654\uc778\ud50c\ub808\ubcf4\ub2e4 \ub192\uc544\uc57c \uc608\uae08\uc8fc\uc5d0\uac8c \uc720\ub9ac\ud558\ub2e4. \uac1c\ubc1c\ub3c4\uc0c1\uad6d\uc5d0\uc11c \ubbfc\uac04\ubd80\ubb38\uc5d0 \uc7ac\ud654\uc758 \ucd08\uae30 \ucd95\uc801\uc774 \ube44\uad50\uc801 \uc801\uace0, \uad6d\ubbfc\ub4e4\uc758 \uc18c\ub4dd\uaca9\ucc28\uac00 \uc2ec\ud558\uae30 \ub54c\ubb38\uc5d0 \uacfc\uc789\uc7ac\uc0b0\ub3c4 \uc801\uc5b4\uc11c \uc740\ud589\ub4e4\uc774 \uc774 \uc7ac\uc0b0\uc744 \uac16\uace0\uc790 \uc774\uc790 \uacbd\uc7c1\uc744 \ubc8c\uc778\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uac1c\ubc29\uacbd\uc81c\uad6d\uc5d0\uc11c \uc608\uae08\uc774\uc790\uc5d0 \uadf8 \uad6d\uac00\uc758 \ud1b5\ud654\ud658\uc728\ub3c4 \uc601\ud5a5\uc744 \ubbf8\uce5c\ub2e4. \uc774\ub97c \ud14c\uba74, \ubabd\uace8\uc740 2016\ub144 \ud22c\uadf8\ub9ad \uc608\uae08\uc774\uc790\uc728\uc774 16%, \ubbf8\ud654\ub098 \ub2e4\ub978 \uc678\ud654 \uc608\uae08\uc774\uc790\uc728\uc774 6%\uc600\ub2e4. \uc774 10%\uc758 \ucc28\uc561\uc774 \uc790\uad6d\ud1b5\ud654 \ud658\uc728\uc57d\uc138\uc758 \uc704\uae30\ub97c \ucd08\ub798\ud55c\ub2e4. \uc774\ub7f0 \uae4c\ub2ed\uc5d0 2016\ub144\uc5d0 \ud22c\uadf8\ub9ad \ud658\uc728\uc774 25% \uc57d\ud574\uc9c0\uace0, \ud22c\uadf8\ub9ad \uc608\uae08\uc8fc\ub4e4\uc774 \uc190\ud574\ub97c \ubcf4\uc558\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ubabd\uace8\uc758 \uc740\ud589\ub4e4\uc774 \uc5b4\ub5bb\uac8c \uc774\uc775\uc744 \ubcf4\ub294\uac00?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc5f0\uac04 25%\uc758 \ub300\ucd9c\uc744 \ubc1b\uace0 \uc218\uc775\uc744 \uc62c\ub9b4 \uc218 \uc788\ub294 \uc0ac\uc5c5\uc774 \uc138\uc0c1\uc5d0 \ub4dc\ubb3c\uae30 \ub54c\ubb38\uc5d0 \ubabd\uace8\uc5d0\uc11c \ubbfc\uac04\ubd80\ubb38\uc774 \ud56d\uc0c1 \u2018\ubaa9\ub9d0\ub77c\u2019 \uc654\ub2e4. \ub300\ucd9c\uc744 \uc798 \uc548 \uc8fc\ub294 \ubabd\uace8\uc740\ud589\ub4e4\uc774 2016\ub144 \ucd1d\uc774\uc775\uc774 1\ucc9c 7\ubc31 6\uc2ed\uc5b5 \ud22c\uadf8\ub9ad\uc774\ub780\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc815\ubd80\ub294 \uc774\uc790\uc9c0\uae09\uc5d0\ub9cc \ud574\ub3c4 \uc608\uc0b0\uc218\uc785\uc758 4\ubd84\uc758 1\uc77c\uc744 \uc9c0\ucd9c\ud558\uac8c \ub418\uc5b4 (2016\ub144) \uacf5\ubb34\uc6d0\ub4e4(\ud589\uc815\uc9c1, \uad50\uc6d0, \uacbd\ucc30 \ub4f1) \uc6d4\uae09\uc744 \uc9c0\uae09\ud558\uc9c0 \ubabb\ud558\ub294 \uc0c1\ud669\uc5d0 \uc774\ub974\uc790 \uad6d\ub0b4\uc99d\uad8c\uc744 \ubc1c\ud589\ud574 \uc608\uae08\ubcf4\ub2e4 \ub192\uc740 \uc774\uc790\ub97c \ubd99\uc774\uace0 \uac70\ub798\uc740\ud589\uc5d0 \ub9e4\uac01\ud588\ub2e4. 2016\ub144\ub9d0 \uac70\ub798\uc740\ud589\uc758 \ucd1d\uc790\uc0b0 \uc911 14%\ub97c \uc815\ubd80\uc99d\uad8c\uc774 \ucc28\uc9c0\ud588\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uac70\ub798\uc740\ud589\ub4e4\uc774 \uace0\ub9ac\ub300\ucd9c\uc744 \ud560 \uc218 \uc788\ub294 \uae30\ud68c\ub97c \ub193\uce58\uc9c0 \uc54a\ub294\ub2e4. \uc544\uc6b8\ub7ec \ubabd\uace8\uc911\uc559\uc740\ud589\uc774 \uc8fc\ud0dd\uc800\ub9ac\ub300\ucd9c \u2018\ubc1c\uc0c1\u2019\uc744 \ud558\uace0, 3.8\uc870 \ud22c\uadf8\ub9ad\uc744 \ucc0d\uc5b4 \uac70\ub798\uc740\ud589\uc5d0 3-5%\uc758 \uc774\uc790\ub85c \uacf5\uae09\ud558\uace0, \uadf8 \ub3c8\uc740 \uad6d\ubbfc\ub4e4\uc5d0\uac8c 8% \uc774\uc790\uc758 \uc8fc\ud0dd\ub300\ucd9c\ub85c \ub300\ucd9c\ud574 \uc8fc\uc5c8\ub2e4. \ub610 \ud55c\ubc88\uc758 \ub9ac\uc2a4\ud06c \uc5c6\ub294 \uc218\uc775\uc744 \uc5bb\uc740 \uac83\uc774\ub2e4. \uc774 \u2018\uc2e0\uae30\ud55c \ubc1c\uba85\u2019\uc774 \uc800\uc808\ub85c \uac10\uc18c\ud588\ub358 \uc8fc\ud0dd\ubd84\uc591\uac00\ub97c \ub2e4\uc2dc \ubd80\ucd94\uacbc\ub2e4. \uc8fc\ud0dd\uc2dc\uc7a5\uc758 \uac70\ud488\uc774 \uc9c0\uae08\ub3c4 \uc0ac\ub77c\uc9c0\uc9c0 \uc54a\uace0 \uc788\ub2e4. \ubabd\uace8\uc911\uc559\uc740\ud589\uc774 \uc774\ub7f0 \u2018\ubcf5\uc9c0\uc6a9\u2019 \uc7ac\uc815\uc744 \uc608\uc0b0\uc73c\ub85c \uc774\uc804\ud558\uace0 \uc801\uc790\ub97c \uc99d\uac00\uc2dc\ud0a4\uae30 \uc2dc\uc791\ud588\ub2e4. \uad6d\uac00\uc758 \uc608\uc0b0\uc801\uc790\ub294 \uacb0\uad6d \uad6d\ubbfc\ub4e4\uc774 \ub0b4\ub294 \uc138\uae08\uc774\ub098 \ubc1b\ub294 \ub300\ucd9c\ub85c \ubcf4\ucda9\ud55c\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uac70\ub798\uc740\ud589\ub4e4\uc758 \uc608\uae08\uae08\ub9ac\uc640 \ub300\ucd9c\uae08\ub9ac\uc758 \uaca9\ucc28\uc758 \ub610\ub2e4\ub978 \uc774\uc720\ub294 \ubd80\uc2e4\ub300\ucd9c\uc758 \uc99d\uac00(8.4%)\ub85c \ub300\ucd9c\uc704\ud5d8 \ubc29\uc9c0\uae30\uae08\uc744 \ud655\ub300\ud588\uae30 \ub54c\ubb38\uc774\ub2e4. \ud655\uc2e4\ud55c \uc99d\uac70\ubb3c(\uac00\ucd95\uc758 \uc18c\uc720\uc8fc\ub97c \ub098\ud0c0\ub0b4\uae30 \uc704\ud55c \ub099\uc778) \uc5c6\ub294 \uac00\ucd95, \uc81c3\uc790\uc758 \uac10\uc815\ud3c9\uac00\uac00 \uc5c6\ub294 \uad11\ubb3c\uac1c\ubc1c\ud5c8\uac00\uc99d \ub4f1\uc744 \ub2f4\ubcf4\ub85c \uc7a1\uc740 \uac83\uc774 \uc704\ud5d8\uc744 \ub9cc\ub4e4\uace0 \uae30\uae08\ud655\ub300\ub85c \uc774\uc5b4\uc84c\ub2e4. \uae30\uae08\uc774 \ud655\ub300\ud560\uc218\ub85d \uc740\ud589\uc5d0 \ud604\uae08\ubd80\uc871 \ud604\uc0c1\uc774 \ubc1c\uc0dd\ud568\uc73c\ub85c \uc740\ud589\uc740 \uace0\ub9ac\ub97c \uc8fc\ub354\ub77c\ub3c4 \uc608\uae08\uc744 \uc720\uce58\ud558\ub3c4\ub85d \ud55c\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ubabd\uace8\uc758 \uac70\ub798\uc740\ud589\ub4e4\uc774 \ub300\ucd9c\uc774\uc790\uac00 \ub9e4\uc6b0 \ub192\uc544\uc11c \uacbd\uc81c\ubc1c\uc804\uc758 \uc7ac\uc6d0\uc744 \ub9c8\ub828\ud574 \uc8fc\uc9c0 \ubabb\ud558\uace0 \uc788\ub2e4. \uc740\ud589\uc758 \uac00\uacc4\ub300\ucd9c\uacfc \uc0ac\uc5c5\ub300\ucd9c\uc774 \uac10\uc18c\ud560\uc218\ub85d \uc740\ud589\uc774\uc790\uc5d0\uc11c 10\uc5ec \ud37c\uc13c\ud2b8 \ub192\uc740 \uc774\uc790\ub85c \ub300\ucd9c\ud558\ub294 \ube44\uc740\ud589\uae08\uc735\uae30\uad00 \ud65c\uc57d\ud558\uac8c \ub418\uc5c8\ub2e4. \uadf8 \ub4a4\ub97c \uc774\uc5b4 \uad6d\ubbfc\ub4e4\uc758 \ud578\ub4dc\ud3f0\uacfc \uc790\ub3d9\ucc28\ub97c \ub2f4\ubcf4\ub85c \ud558\ub294 \uc774\uc790\uac00 \ubb34\ub824 40%\uc778\ub370\ub2e4 \uc774\uc790\ub97c \ub9e4\uc77c \ubc1b\uc544\uba39\ub294 \uc804\ub2f9\ud3ec\ub4e4\uc774 \ub9ce\uc544\uc84c\ub2e4. \ubabd\uace8\uacbd\uc81c\uac00 \ubd80\ucc44\uc758 \ub36b\uc5d0 \uac78\ub824\ub4e4\uc5c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uc5b4\ub5bb\uac8c \ud558\uba74 \ub300\ucd9c\uc774\uc790\ub97c \uac10\uc18c\uc2dc\ud0ac \uc218 \uc788\ub294\uac00?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2017\ub144 \uacbd\uc81c\uc131\uc7a5\ub960\uc744 2.0%\ub85c \ubcf4\uc9c0\ub9cc \uc815\ubd80\uac00 \uc798\ud55c \uac83\uc774 \ud558\ub098\ub3c4 \uc5c6\uace0, \uc911\uad6d\uc758 \uc218\uc785\uc99d\uac00\ub85c \ubabd\uace8\uc774 \uc11d\ud0c4\ucc44\uad74\uacfc \uc218\ucd9c\uc744 \uc99d\uac00\uc2dc\ucf30\uae30 \ub54c\ubb38\uc77c \ubfd0\uc774\ub2e4. \uadf8\ub9ac\uace0 \uad6d\uc81c\ud1b5\ud654\uae30\uae08 \ud655\ub300\uae08\uc735\uc744 \ubc1b\uc544 \ube44\uc2fc \ub300\ucd9c\uc744 \uc2fc \ub300\ucd9c\ub85c \uac1a\uace0, \uc678\uad6d\uc778\uc758 \uc800\ub9ac\ub300\ucd9c\ub85c \uc608\uc0b0\uc801\uc790\ub97c \ub54c\uc6b0\uace0 \uc788\uae30 \ub54c\ubb38\uc774\ub2e4. &nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uad6d\uc81c\ud658\uacbd\uc774 \ucf8c\uc801\ud55c \ub9cc\ud07c \uc608\uc0b0\uc9c0\ucd9c\uc744 \uc800\uc9c0\ud558\uace0, \uc218\ucd9c\uc218\uc775\uc740 \uc608\uc0b0\uc801\uc790 \uac10\uc18c\ub97c \uc704\ud574 \uc0ac\uc6a9\ud558\uace0, \ub354 \ub098\uc544\uac00 \uc815\ubd80\uac00 \uad6d\ub0b4\uc99d\uad8c \ubc1c\ud589\uc744 \uc911\ub2e8\ud558\uac70\ub098 \uadf8 \uc774\uc790\ub97c \uc608\uae08\uc774\uc790\ubcf4\ub2e4 \uba87 \ubc30 \uc801\uac8c \uc0b0\uc815\ud574\uc57c \ud55c\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc815\ubd80\uc758 \uac00\uaca9\uacb0\uc815 \uac1c\uc785, \uadf8\ub9ac\uace0 \uad6d\uac00\uc608\uc0b0\uc5d0\uc11c \uc8fc\ub294 \ubcf4\uc870\uae08\uc744 \uc81c\ud55c\ud558\uc9c0 \uc54a\uace0\uc11c, \ud2b9\ud788 \uc8fc\ud0dd\uc800\ub9ac\ub300\ucd9c\uc744 \uc911\uc9c0\ud558\uc9c0 \uc54a\uace0\uc11c \uac74\uc124\ubd84\uc57c \u2018\uac70\ud488\u2019\uc774 \uacc4\uc18d \ubd80\ud480\uc5b4 \uc624\ub97c \uac83\uc774\ub2e4. \ubaa8\ub4e0 \uac70\ud488\uc774 \uc0ac\ub77c\uc9c0\uae30 \uc804\uc5d0 \uba4b\uc9c0\uac8c \ubcf4\uc774\uc9c0\ub9cc \uc628\ub370\uac04\ub370 \uc5c6\uc774 \uc0ac\ub77c\uc9c4\ub2e4\ub294 \uad50\ud6c8\uc744 \uc78a\uc9c0 \ub9d0\uc544\uc57c \ud558\uc9c0 \uc54a\uc744\uae4c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ubabd\uace8\uc911\uc559\uc740\ud589\uc5d0\uc11c \uc740\ud589\ub4e4\uc758 \ub300\ucd9c\uc0c1\ud669 \uc870\uc0ac\ub97c \ucc29\uc218\ud588\ub2e4\ub2c8 \uc798 \ub41c \uc77c\uc774\ub2e4. \uae00\ub85c\ubc8c \ud68c\uacc4\ubc95\uc778 PwC, KPMG \ub4f1\uc774 \ubabd\uace8\uc758 \uc740\ud589\ub4e4\uc744 \uc0c1\ub300\ub85c \ud68c\uacc4\uac10\uc0ac\ub97c \uc2e4\ud589\ud55c \ub4a4 \uc740\ud589\ub4e4\uc774 \uc790\uc0b0\uc744 \uae09\uc99d\uc2dc\ud0a4\uac70\ub098 \uc18c\uaddc\ubaa8 \uc740\ud589\ub4e4\uc774 \ud569\ubcd1\uc744 \ud558\uac8c \ub41c\ub2e4. \ud55c\uad6d\uc5d0\uc11c IMF\uc0ac\ud0dc \uc774\ud6c4 \uad6d\uc81c\ud1b5\ud654\uae30\uae08\uc774 \ub611\uac19\uc740 \uc870\uce58\ub97c \ucde8\ud558\uace0, \uc740\ud589\uc218\ub97c \uc5f4 \ubc30 \uac10\uc18c\uc2dc\ud0a4\uace0, \uc678\uad6d\uc740\ud589\uc758 \uc2dc\uc7a5\uc9c4\uc785\uc73c\ub85c \ub300\ucd9c\uc774\uc790\uc758 \uae09\uac10\uacfc \uacbd\uc81c\uc758 \uac74\uc804\uacbd\uc7c1\uc744 \ucd08\ub798\ud588\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc740\ud589\uc758 \ubd80\uc2e4\ub300\ucd9c\uc774 \uac10\uc18c\ud558\uba74, \uc815\ubd80\uc99d\uad8c\uc744 \ub9e4\uc785\ud558\uc9c0 \uc54a\ub294\ub2e4\uba74 \uc608\uae08\uacfc \ub300\ucd9c \ucc28\uc561\ub3c4 \uac10\uc18c\ud558\uace0, \ub300\ucd9c\uc774\uc790\ub3c4 \uac10\uc18c\ud55c\ub2e4. \uc608\uc0b0\uc801\uc790\uac00 \uac10\uc18c\uc758 \uac10\uc18c\ud558\uace0 \ud3ec\ud4f0\ub9ac\uc2a4\ud2b8 \uacc4\ud68d\ub4e4\uc744 \uc81c\ud55c\ud560\uc218\ub85d \ubd80\uc815\ubd80\ud328\uc640 \ub1cc\ubb3c\uc218\uc218\uac00 \uac10\uc18c\ud558\uace0 \ubbfc\uac04\ubd80\ubb38\uc758 \uacf5\uc815\uacbd\uc7c1 \ubd84\uc704\uae30\uac00 \uc0b4\uc544\ub09c\ub2e4. \uadf8 \uacb0\uacfc \uc740\ud589\ub4e4\uc758 \ud65c\ub3d9\uc774 \ud65c\ubc1c\ud574\uc838 \uc704\ud5d8\ub3c4, \uc989 \uc608\uae08\uc774\uc790\uac00 \uac10\uc18c\ud55c\ub2e4. \uc774\uc5d0 \ub530\ub77c \ub300\ucd9c\uc774\uc790\ub3c4 \uac10\uc18c\ud558\uace0 \ucc3d\uc5c5 \uc7ac\uc815\uc9c0\uc6d0\uacfc \uacbd\uc81c \ub2e4\uc591\ud654\uac00 \uac00\ub2a5\ud574\uc9c4\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2017.08.09<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>&nbsp; Trans. by M.Amartaivan &nbsp;<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>WHEN WILL LENDING RATES GO DOWN? \ubabd\uace8\uc815\ubd80\uc640 \uad6d\ubbfc \ubaa8\ub450\uac00 \uc2e0\ubd88\ub7c9\uc790\uc758 \uae38\ub85c \ub2e4\uac00\uc11c\uace0, \u2018\ubd80\ucc44\uc758 \ub36b\u2019\uc5d0 \uac78\ub824 \ubc84\ub838\ub2e4. \uc9d1\uad8c\uc790\ub4e4\uc774 \ubcf4\uae30\ub97c, \ubd80\ucc44\uc5c6\uc774 \uacbd\uc81c\ubc1c\uc804\ub3c4 \uc5c6\ub2e8\ub2e4. \uadf8\ub807\ub2e4\uba74 \uad6d\ubbfc\ub4e4\uc740 \u2018\ube5a\uc774 \uc788\ub294 \uc0ac\ub78c\uc774 \uc798 \uc0b4\uc9c0 \ubabb\ud558\uace0, \ubc8c\ub808\uac00 \uc788\ub294 \uac00\ucd95\uc774 \uc0b4\ucc0c\uc9c0 \uc54a\ub294\ub2e4\u2019\uace0 \ub9d0\ud558\uc9c0\ub9cc \uac70\uc758 \ubaa8\ub450 \ub2e4 \ube5a\uc7c1\uc774\uac00 \ub418\uace0 \ub9d0\uc558\ub2e4. \ubabd\uace8\uacbd\uc81c\uac00 \uc5b8\uc81c\ub098 \uc704\uae30 \uc911\uc774\uace0, \uc0ac\uc5c5\ud558\ub824\uba74 \ub300\ucd9c\uc774\uc790 \ub9e4\uc6b0 \ub192\uc740\ub370 \uc5ce\uce5c \ub370 \uacb9\uce5c \uaca9\uc73c\ub85c \uc815\ubd80\ub3c4 \uc138\uae08\uc744 [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":9088,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[193],"tags":[],"ppma_author":[268],"class_list":["post-13366","post","type-post","status-publish","format-standard","has-post-thumbnail","category-article-ko"],"authors":[{"term_id":268,"user_id":4,"is_guest":0,"slug":"haluinaamgmail-com","display_name":"Jargal 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