{"id":44304,"date":"2025-10-21T08:10:26","date_gmt":"2025-10-20T23:10:26","guid":{"rendered":"https:\/\/www.sanctionlab.com\/?p=44304"},"modified":"2025-11-02T21:00:25","modified_gmt":"2025-11-02T12:00:25","slug":"%eb%af%b8%ec%a3%bc-%ec%a7%80%ec%97%ad-%eb%82%b4-%ea%b0%95%ec%86%8c%ed%98%95-cb-%ec%a0%84%eb%ac%b8%ec%9d%80%ed%96%89-%eb%a7%8c%eb%93%a4%ea%b2%a0%eb%8b%a4","status":"publish","type":"post","link":"https:\/\/www.sanctionlab.com\/?p=44304","title":{"rendered":"“\ubbf8\uc8fc \uc9c0\uc5ed \ub0b4 \uac15\uc18c\ud615 CB \uc804\ubb38\uc740\ud589 \ub9cc\ub4e4\uaca0\ub2e4”"},"content":{"rendered":"

|\u2461\uc724\ud0dc\uc815 KDB\uc0b0\uc5c5\uc740\ud589 \ub274\uc695\uc9c0\uc810\uc7a5<\/h3>\n

\uc138\uacc4 \uacbd\uc81c\uc758 \uc911\uc2ec\uc9c0 \ubbf8\uad6d\uc740 \ub9e4\uc6b0 \uc775\uc219\ud55c \uacf3\uc774\uc9c0\ub9cc \uadf8\ub807\ub2e4\uace0 \uacf5\ub7b5\ud558\uae30\uc5d0 \ub9cc\ub9cc\ud55c \uc2dc\uc7a5\uc740 \uacb0\ucf54 \uc544\ub2c8\ub2e4. \ud2b9\ud788 \uc0c8\ub85c \uc9c4\ucd9c\ud558\uace0 \uacf5\uc7a5\uc744 \uc138\uc6b0\ub294 \uacfc\uc815\uc5d0\uc11c \ub300\uaddc\ubaa8 \uc790\uae08\uc774 \ud544\uc694\ud55c \uc6b0\ub9ac \uae30\uc5c5\uc778\ub4e4\uc774 \uacaa\ub294 \uace0\ucda9\uc740 \ub9d0\ud560 \uac83\ub3c4 \uc5c6\ub2e4. \uc6b0\ub9ac \uae08\uc735\uae30\uad00\uc758 \ub3c4\uc6c0\uc774 \uc808\uc2e4\ud55c \uc774\uc720\ub2e4.<\/p>\n

\uc724\ud0dc\uc815 KDB\uc0b0\uc5c5\uc740\ud589 \ub274\uc695\uc9c0\uc810\uc7a5 \uc5ed\uc2dc \ub274\uc695\uc9c0\uc810\uc758 \uc5ed\ud560\uc744 \uba85\ud655\ud558\uac8c \uc815\ub9ac\ud588\ub2e4. \uadf8\ub294 “\ud55c\uad6d\uae30\uc5c5\uc774 \ud574\uc678\uc5d0 \uc9c4\ucd9c\ud560 \ub54c \uae08\uc735\ub3d9\ubc18\uc790\ub85c\uc11c \uc5ed\ud560\uc744 \ud558\uace0 \uc788\ub2e4”\uba70 “\uae30\uc5c5\uc774 \ud544\uc694\ub85c \ud558\ub294 \uc790\uae08\uc744 \uc801\uc2dc\uc5d0, \ud604\uc9c0 \uc740\ud589\ubcf4\ub2e4 \uc88b\uc740 \uc870\uac74\uc73c\ub85c \uacf5\uae09\ud568\uc73c\ub85c\uc368 \ud55c\uad6d\uae30\uc5c5\uc758 \uae00\ub85c\ubc8c\ud654\ub97c \uc9c0\uc6d0\ud560 \uac83”\uc774\ub77c\uace0 \ub9d0\ud588\ub2e4.<\/p>\n

\u25c7”\uac00\uc7a5 \uc131\uacf5\uc801\uc73c\ub85c \uc218\ud589\ud55c \ub51c\uc740 2023\ub144 VRDB \ubc1c\ud589”<\/strong><\/p>\n

\uc724 \uc9c0\uc810\uc7a5\uc740 2023\ub144\ubd80\ud130 \ub274\uc695\uc9c0\uc810\uc744 \uc774\ub04c\uace0 \uc788\ub2e4. \ub274\uc695\uc9c0\uc810\uc774 \uc774\ubc88\uc774 \ucc98\uc74c\uc740 \uc544\ub2c8\ub2e4. 2012\ub144\ubd80\ud130 2015\ub144\uae4c\uc9c0 \ub274\uc695\uc9c0\uc810\uc5d0\uc11c \uadfc\ubb34\ud558\uba74\uc11c \ud604\uc9c0 \uc2dc\uc7a5\uc5d0 \ub300\ud55c \uc774\ud574\ub3c4\ub97c \ub192\uc600\ub2e4. 8\ub144 \ub9cc\uc5d0 \uc9c0\uc810\uc7a5\uc73c\ub85c \ub3cc\uc544\uc628 \uadf8\uc5d0\uac8c \uac00\uc7a5 \ud06c\uac8c \uccb4\uac10\ud558\ub294 \ubcc0\ud654\ub97c \ubb3b\uc790 ‘\uaddc\ubaa8’\ub77c\ub294 \ub300\ub2f5\uc774 \ub3cc\uc544\uc654\ub2e4.<\/p>\n

\uc774 \uae30\uac04 \ub274\uc695\uc9c0\uc810\uc758 \uc9c1\uc6d0\uacfc \ucd1d\uc790\uc0b0\uc740 2\ubc30 \uac00\uae4c\uc774 \uc99d\uac00\ud588\ub2e4. 2015\ub144\uae4c\uc9c0\ub9cc \ubaa8\ub450 26\uba85\uc774 \uadfc\ubb34\ud558\uace0 \uc788\uc5c8\uc73c\ub098 \ud604\uc7ac \uc9c1\uc6d0 \uc218\ub294 45\uba85\uc5d0 \uc774\ub978\ub2e4. \ucd1d\uc790\uc0b0 \uc5ed\uc2dc 17\uc5b5\ub2ec\ub7ec\uc5d0\uc11c \uc9c0\ub09c\ud574 \ub9d0 \uae30\uc900 37\uc5b58000\ub9cc\ub2ec\ub7ec\ub85c \ub298\uc5c8\ub2e4.<\/p>\n

\ubd80\uc784 \ucd08\uae30\uc5d0\ub294 \uaddc\ubaa8\uac00 \ub298\uc5b4\ub09c \ub370\uc11c \uc624\ub294 \uace0\ucda9 \uc5ed\uc2dc \uc801\uc9c0 \uc54a\uc558\ub2e4. \uc724 \uc9c0\uc810\uc7a5\uc740 “\ucd08\ubc18 30\uba85\uc774 \ud6cc\uca4d \ub118\ub294 \ud604\uc9c0 \uc9c1\uc6d0\uc744 \uc548\uc815\uc801\uc73c\ub85c \uad00\ub9ac\ud558\uae30 \uc704\ud574 \uc801\uc808\ud55c \uc131\uacfc \ubc0f \ubcf4\uc0c1\uc744 \uc81c\uacf5\ud558\ub294 \uac8c \ud070 \uace0\ubbfc \uc911 \ud558\ub098\uc600\ub2e4”\uace0 \ub9d0\ud588\ub2e4.<\/p>\n

\uc2e4\uc81c \ud604\uc9c0 \uc778\ub825\uc5d0 \ub300\ud55c \uace0\ubbfc\uc740 \ub274\uc695\uc5d0 \uc9c4\ucd9c\ud55c \ubaa8\ub4e0 \ud55c\uad6d\uacc4 \uc740\ud589\uc774 \uacf5\ud1b5\uc801\uc73c\ub85c \uc548\uace0 \uc788\ub294 \uace0\ubbfc\uc774\ub2e4. \uacbd\uc7c1\ub825 \uc788\ub294 \ud604\uc9c0 \uc9c1\uc6d0\uc774 \ud544\uc694\ud558\uc9c0\ub9cc \uae00\ub85c\ubc8c \uc720\uc218\uc758 \uae08\uc735\ud68c\uc0ac\ub4e4\uc774 \ubaa8\uc5ec \uc788\ub294 \ub274\uc695\uc5d0\uc11c \uc774\ub4e4\uc744 \ubaa8\uc73c\uace0 \ub610 \uc7a1\uc544\ub450\ub294 \uac8c \ud604\uc2e4\uc801\uc73c\ub85c \uc27d\uc9c0 \uc54a\uc740 \ud0d3\uc774\ub2e4. \uc724 \uc9c0\uc810\uc7a0\uc740 “\ud2b9\ud788 \ud55c\uad6d\uc5d0 \ube44\ud574\uc11c \uc774\uc9c1\uc774 \uc7a6\uc740 \ud3b8\uc774\ub77c \ub2a5\ub825 \uc788\ub294 \ud604\uc9c0 \uc9c1\uc6d0\uc5d0 \ub300\ud55c \ud569\ub9ac\uc801\uc778 \ubcf4\uc0c1\uccb4\uacc4\ub97c \ub9c8\ub828\ud558\uae30 \uc704\ud574 \ub178\ub825\ud588\ub2e4”\uace0 \ub9d0\ud588\ub2e4.<\/p>\n

\uc724 \uc9c0\uc810\uc7a5\uc740 1971\ub144\uc0dd\uc73c\ub85c \uc0b0\uc5c5\uc740\ud589 \uc548\uc591\uc9c0\uc810\uc5d0\uc11c \uc740\ud589 \uc0dd\ud65c\uc744 \uc2dc\uc791\ud588\ub2e4. 1999\ub144 \uad6d\uc81c\ud22c\uc790\ubcf8\ubd80\ub85c \uc62e\uae30\uba70 \uad6d\uc81c\uae08\uc735 \uad00\ub828 \uc5c5\ubb34\ub97c \ubc30\uc6b0\uae30 \uc2dc\uc791\ud588\uace0 \ub9ac\uc2a4\ud06c\uad00\ub9ac\ubcf8\ubd80\uc640 \uc7ac\ubb34\ubcf8\ubd80, \uc778\ub825\uac1c\ubc1c\ubd80 \ub4f1\uc744 \uac70\uccd0 2012\ub144 \ub274\uc695\uc9c0\uc810\uc5d0 \uc654\ub2e4. 3\ub144\uc758 \ub274\uc695\uc9c0\uc810 \uc0dd\ud65c\uc744 \ub05d\ub0b4\uace0\ub294 \uc778\uc0ac\ubd80\ub85c \uc774\ub3d9\ud588\ub2e4. 2019\ub144 \uac04\uc811\ud22c\uc790\uae08\uc735\uc2e4 \ub2e8\uc7a5, 2022\ub144 \uc885\ub85c\uc9c0\uc810\uc7a5 \ub4f1\uc744 \uac70\uccd0 2023\ub144 \ub2e4\uc2dc \ub274\uc695\uc9c0\uc810\uc73c\ub85c \ub3cc\uc544\uc654\ub2e4.<\/p>\n

\uc724 \uc9c0\uc810\uc7a5\uc740 “\uc0b0\uc5c5\uc740\ud589 \ub274\uc695\uc9c0\uc810\uc5d0\uc120 \uc2e0\uc6a9 \ub9ac\uc2a4\ud06c, \uc2dc\uc7a5 \ub9ac\uc2a4\ud06c, \uc720\ub3d9\uc131 \ub9ac\uc2a4\ud06c \ub4f1 \uac01\uc885 \ub9ac\uc2a4\ud06c\ub97c \ud604\uc9c0 \uaddc\uc815\uc5d0 \ub9de\ucdb0 \uad00\ub9ac\ud558\ub294 \uac74 \ubb3c\ub860 \uae09\ubcc0\ud558\ub294 \uae08\uc735 \uc2dc\uc7a5 \ubc0f \uac10\ub3c5\ub2f9\uad6d\uc758 \uc694\uad6c \uc218\uc900\uc5d0 \ub9de\ub294 \ub0b4\ubd80\ud1b5\uc81c\ub97c \uac16\ucd94\ub294 \uac83\uc774 \ubb34\uc5c7\ubcf4\ub2e4 \uc911\uc694\ud558\ub2e4”\uba70 “\uc61b \uc5c5\ubb34 \uacbd\ud5d8\uc774 \uc9c0\uc810\uc5d0\uc11c\ub3c4 \ud070 \ub3c4\uc6c0\uc774 \ub418\uace0 \uc788\ub2e4”\uace0 \ub9d0\ud588\ub2e4.<\/p>\n

\uc0b0\uc5c5\uc740\ud589 \ub274\uc695\uc9c0\uc810\uc740 \ubbf8\uc8fc \uc9c0\uc5ed \uc9c4\ucd9c \uc774\ud6c4 \ud55c\uad6d\uacc4 \uae30\uc5c5\uacfc \ub2e4\uc591\ud55c \uac70\ub798\ub97c \uc774\uc5b4\uac00\uace0 \uc788\ub2e4. \ud2b9\ud788 2023\ub144\uc5d4 \ud55c\uad6d \ubcf8\uc810\uacfc \ud568\uaed8 \ud604\uc9c0 \ud2b9\ud654 \uae08\uc735\uc0c1\ud488\uc778 ‘VRDB'(Variable Rate Demand Bond) \ucc44\uad8c \ubc1c\ud589 \uacfc\uc815\uc5d0 \ucc38\uc5ec\ud574 \uad6d\ub0b4\uae30\uc5c5\uc5d0\uac8c 3\uc5b5\ub2ec\ub7ec\uc758 \uc7a5\uae30\u00b7\uc800\ub9ac \uc790\uae08\uc744 \uc9c0\uc6d0\ud588\ub2e4. \uc774\ub294 \uc724 \uc9c0\uc810\uc7a5\uc774 \ucde8\uc784 \uc774\ud6c4 \uac00\uc7a5 \uc131\uacf5\uc801\uc73c\ub85c \uc218\ud589\ud55c \ub51c\ub85c \uaf3d\uc740 \ub51c\uc774\uae30\ub3c4 \ud558\ub2e4.<\/p>\n

\uadf8\ub294 “VRDB\ub97c \ubc1c\ud589\ud558\uae30 \uc704\ud574\uc11c\ub294 \ucc44\uad8c \uc6d0\ub9ac\uae08 \uc0c1\ud658\uc744 \ubcf4\uc99d\ud574\uc8fc\ub294 \ubbf8\uad6d \uc18c\uc7ac \uc6b0\ub7c9\uc740\ud589\uc758 \uc2e0\uc6a9\uacf5\uc5ec\uac00 \ud544\uc218”\ub77c\uba70 “\uc0b0\uc5c5\uc740\ud589 \ub274\uc695\uc9c0\uc810\uc774 \uc774\ub97c \uc81c\uacf5\ud588\uc73c\uba70 \uc774\ub97c \ud1b5\ud574 \ud574\ub2f9 \uad6d\ub0b4\uae30\uc5c5\uc740 \ubbf8\uad6d \uc0dd\uc0b0\uacf5\uc7a5 \uac74\uc124\uc5d0 \ud544\uc694\ud55c \uc7a5\uae30 \uc7ac\uc6d0\uc744 \uc720\ub9ac\ud55c \uc870\uac74\uc73c\ub85c \uc870\ub2ec\ud560 \uc218 \uc788\uc5c8\ub2e4”\uace0 \uc124\uba85\ud588\ub2e4.<\/p>\n

\"\"
KDB\uc0b0\uc5c5\uc740\ud589 \ub274\uc695\uc9c0\uc810<\/figcaption><\/figure>\n

\u25c7”\uac15\uc18c\ud615 CB \uc804\ubb38\uc740\ud589 \ub9cc\ub4e4\uaca0\ub2e4”<\/strong><\/p>\n

\uc724 \uc9c0\uc810\uc7a5\uc740 \uc784\uae30 3\ub144\ucc28\ub97c \ub9de\uc544 ‘\ub0b4\uc2e4 \uc788\ub294 \uc790\uc0b0 \ud655\ub300’\ub97c \ub274\uc695\uc9c0\uc810\uc758 \ubaa9\ud45c\ub85c \uc81c\uc2dc\ud588\ub2e4. \ud2b8\ub7fc\ud504 \uc815\ubd80 \uc774\ud6c4 \uc2dc\uc7a5 \ubcc0\ub3d9\uc131\uc774 \uc810\ucc28 \ud655\ub300\ub418\uace0 \uc788\uace0, \ud604\uc9c0 \uac10\ub3c5\ub2f9\uad6d\uc758 \uaddc\uc81c \ub9ac\uc2a4\ud06c \ub610\ud55c \ucee4\uc9c0\uace0 \uc788\uae30 \ub54c\ubb38\uc774\ub2e4.<\/p>\n

\uc724 \uc9c0\uc810\uc7a5\uc740 \uc2ec\uc0ac \ubc0f \ub9ac\uc2a4\ud06c\uad00\ub9ac \uc778\ub825\uc744 \ud655\ucda9\ud558\ub294 \ub4f1 \uc601\uc5c5 \ud6c4\uc120 \uc870\uc9c1\uc744 \uac15\ud654\ud574 \ucda9\ub2f9\uae08 \uc0b0\ucd9c \ubc0f \uae30\uc5c5\uc2e0\uc6a9\ud3c9\uac00 \ubaa8\ub378\uc758 \uc801\uc815\uc131\uc744 \uc81c\uace0\ud588\ub2e4. \uc2e0\uc6a9 \ub9ac\uc2a4\ud06c \uce21\uba74\uc5d0\uc11c\ub294 \uc6b0\ub7c9\ub4f1\uae09 \uc704\uc8fc\uc758 \uc790\uc0b0\uc6b4\uc6a9 \uc804\ub7b5\uc744 \ud1b5\ud574 \uae09\ubcc0\ud558\ub294 \uc2dc\uc7a5 \ubcc0\ub3d9\uc131 \uc18d\uc5d0\uc11c\ub3c4 \ucd5c\uc0c1\uc758 \uc790\uc0b0 \uac74\uc804\uc131\uc744 \ubcf4\uc5ec\uc8fc\uace0 \uc788\ub2e4.<\/p>\n

\uc2dc\uc7a5 \ub9ac\uc2a4\ud06c \uce21\uba74\uc5d0\uc11c\ub294 \uae08\ub9ac \ubcc0\ub3d9\uc131\uc5d0 \uacac\uace0\ud55c \uc790\uc0b0\u00b7\ubd80\ucc44 \uad6c\uc870\ub97c \uc720\uc9c0\ud558\uace0 \uc788\ub2e4. \uc774\ubc16\uc5d0 \uc720\ub3d9\uc131 \ubc84\ud37c \ub3c4\uc785, \uc870\ub2ec \ub9cc\uae30\uad6c\uc870 \ubd84\uc0b0 \ub4f1\uc744 \ube44\ub86f\ud55c \ub2e4\uc591\ud55c \uc720\ub3d9\uc131 \uad00\ub9ac\uccb4\uacc4\ub97c \ub9c8\ub828\ud574 \uc720\ub3d9\uc131 \ub9ac\uc2a4\ud06c \ub610\ud55c \uc548\uc815\uc801\uc73c\ub85c \uad00\ub9ac\ud558\uace0 \uc788\ub2e4\ub294 \uc124\uba85\uc774\ub2e4.<\/p>\n

\uadf8\ub294 “\uc7a5\uae30\uc801\uc778 \uad00\uc810\uc5d0\uc11c \uc9c0\uc18d\uc801\uc73c\ub85c \uc790\uc0b0\uc744 \ud655\ucda9\ud574 \ub098\uac00\uae30 \uc704\ud574\uc11c\ub294 \uc2ec\uc0ac, \ub9ac\uc2a4\ud06c, \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \ub4f1 \ub0b4\uc2e4\uc744 \ud655\uace0\ud558\uac8c \ub2e4\uc9c8 \ud544\uc694\uac00 \ub2e4”\uba70 “\uc774\ub97c \ud1b5\ud574 ‘\ubd80\uc2e4\uc790\uc0b0 \uc81c\ub85c’\ub97c \uc720\uc9c0\ud558\uba74\uc11c \ucd5c\uadfc\uc758 \uc131\uc7a5\uc138\ub97c \uacc4\uc18d\ud574\uc11c \uc774\uc5b4\uac00\uace0\uc790 \ud55c\ub2e4”\uace0 \uac15\uc870\ud588\ub2e4.<\/p>\n

\uc911\uc7a5\uae30 \ubaa9\ud45c\ub85c\ub294 \ubbf8\uc8fc \uc9c0\uc5ed \ub0b4 \uac15\uc18c\ud615 CB \uc804\ubb38\uc740\ud589\uc73c\ub85c \ubc1c\ub3cb\uc6c0\ud55c\ub2e4\ub294 \uacc4\ud68d\uc744 \uc81c\uc2dc\ud588\ub2e4. \uc724 \uc9c0\uc810\uc7a5\uc740 “\ubcf8\uc810 \uae30\uc5c5\uae08\uc735 \ubd80\uc11c, PF \ub370\uc2a4\ud06c \ub4f1\uacfc\uc758 \ud611\uc5c5\uc744 \ud1b5\ud574 \ubbf8\uc8fc \uc9c0\uc5ed\uc758 \uc8fc\uc694 \ub51c\uc5d0 \ucc38\uc5ec\ud568\uc73c\ub85c\uc368 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \ub2e4\uac01\ud654\ud560 \uacc4\ud68d”\uc774\ub77c\uba70 “\ub3d9\uc2dc\uc5d0 \ubbf8\uad6d \ub0b4 \ud380\ub4dc \ud30c\uc774\ub0b8\uc2f1 \ub4f1 \uc2e0\uaddc \ud604\uc9c0 \uc0c1\ud488 \ucde8\uae09\uc744 \uc810\uc9c4\uc801\uc73c\ub85c \ud655\ub300\ud558\uaca0\ub2e4”\uace0 \ub9d0\ud588\ub2e4.<\/p>\n

\ud2b8\ub7fc\ud504 \uc815\ubd80 \ucd9c\ubc94 \uc774\ud6c4 \ubbf8\uad6d\uc5d0\uc11c\ub3c4 \ud06c\uace0 \uc791\uc740 \ubcc0\ud654\uac00 \uc9c4\ud589 \uc911\uc774\ub2e4. \ud2b9\ud788 \uc790\uad6d\uc0dd\uc0b0 \uc911\uc2ec\uc758 \uc815\ucc45\uc5d0 \ub530\ub77c \ud55c\uad6d\uae30\uc5c5\uc758 \uc6c0\uc9c1\uc784\ub3c4 \ube68\ub77c\uc9c0\uace0 \uc788\ub2e4. \uc55e\uc73c\ub85c\ub3c4 \ud55c\uad6d\uae30\uc5c5\uc758 \ubbf8\uad6d \uc9c4\ucd9c\uc774 \uc810\ucc28 \ub354 \ub298\uc5b4\ub098\uace0 \uc774\uc5d0 \ub530\ub978 \uc790\uae08 \uc218\uc694\ub3c4 \ud55c\uce35 \ub298\uc5b4\ub0a0 \uac83\uc73c\ub85c \uc608\uc0c1\ub41c\ub2e4.<\/p>\n

\uc724 \uc9c0\uc810\uc7a5\uc740 “\uae09\ubcc0\ud558\ub294 \uc2dc\uc7a5 \ud658\uacbd \uc18d\uc5d0\uc11c \ubcf8\uc810\uacfc \ud611\uc5c5\ud574 \uae30\uc5c5\ub4e4\uc758 \ud604\uc9c0 \uc790\uae08 \uc218\uc694\uc5d0 \uc801\uc2dc \ub300\uc751\ud560 \uac83”\uc774\ub77c\uba70 “\ub3d9\uc2dc\uc5d0 \uc120\uc81c\uc801\uc778 \ub9ac\uc2a4\ud06c\uad00\ub9ac\ub97c \ubc14\ud0d5\uc73c\ub85c \uc548\uc815\uc801\uc73c\ub85c \uc790\uc0b0\uc744 \ud655\ub300\ud558\uace0 \uc9c0\uc18d\uc801\uc73c\ub85c \uc218\uc775\uc744 \uc2dc\ud604\ud574\ub098\uac08 \uacc4\ud68d”\uc774\ub77c\uace0 \ub9d0\ud588\ub2e4.<\/p>\n

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