{"id":32252,"date":"2025-11-04T17:57:32","date_gmt":"2025-11-04T22:57:32","guid":{"rendered":"https:\/\/koreatimesphila.com\/?p=32252"},"modified":"2025-11-04T17:57:33","modified_gmt":"2025-11-04T22:57:33","slug":"%ea%b3%a0%eb%ac%bc%ea%b0%80-%ec%86%8d-%eb%8c%80%ec%b6%9c%ec%9d%98-%eb%8d%ab-%eb%b9%a0%ec%a7%84-%eb%af%b8%ea%b5%ad-%ec%a4%91%ec%82%b0%ec%b8%b5-%eb%b6%95%ea%b4%b4","status":"publish","type":"post","link":"https:\/\/koreatimesphila.com\/en\/%ea%b3%a0%eb%ac%bc%ea%b0%80-%ec%86%8d-%eb%8c%80%ec%b6%9c%ec%9d%98-%eb%8d%ab-%eb%b9%a0%ec%a7%84-%eb%af%b8%ea%b5%ad-%ec%a4%91%ec%82%b0%ec%b8%b5-%eb%b6%95%ea%b4%b4\/","title":{"rendered":"\uace0\ubb3c\uac00 \uc18d \u2018\ub300\ucd9c\uc758 \ub36b\u2019 \ube60\uc9c4 \ubbf8\uad6d\u2026 \u2018\uc911\uc0b0\uce35 \ubd95\uad34\u2019"},"content":{"rendered":"

\u25b6 \uc2e0\uc6a9\ub4f1\uae09 \ubb34\uad00 \ub300\ucd9c \uc99d\uac00\uc138
\u25b6 \u201c\uc704\ud5d8 \uc2e0\ud638 \uc9c0\uc18d \ub204\uc801 \uc911\u201d<\/p>\n\n\n\n

\u25b6 \uac1c\uc778 \ud30c\uc0b0 50\ub9cc\uac74, 13.0%\u2191
\u25b6 \uc5f0 \ub9d0\uc5f0\uc2dc \u2018\ubd80\ucc44 \uc18c\ube44\u2019 \uc6b0\ub824<\/p>\n\n\n\n

\ubbf8\uad6d \uacbd\uc81c\uac00 \uace0\ubb3c\uac00\uc640 \uace0\uae08\ub9ac\uc758 \uc774\uc911 \uc555\ubc15 \uc18d\uc5d0 \u2018\ub300\ucd9c\uc758 \ub36b\u2019(Debt Trap)\uc73c\ub85c \ube60\ub974\uac8c \ube60\uc838\ub4e4\uace0 \uc788\ub2e4. \uc2e0\uc6a9\uc810\uc218 \uc0c1\uc704\uad8c\uacfc \ud558\uc704\uad8c\uc758 \uc591\uadf9\ud654\uac00 \uc2ec\ud654\ub418\ub294 \uac00\uc6b4\ub370 \uc911\uac04 \uacc4\uce35\uc758 \uc2e0\uc6a9 \uac74\uc804\uc131\uc774 \uae09\uc18d\ud788 \uc57d\ud654\ub418\uace0 \uac1c\uc778 \ud30c\uc0b0 \uac74\uc218\ub3c4 \uac00\ud30c\ub974\uac8c \ub298\uace0 \uc788\ub2e4. \uc5ec\uae30\uc5d0\ub2e4 \uc5f0\ub9d0\uc5f0\uc2dc \uc18c\ube44 \uc2dc\uc98c\uc774 \ub2e4\uac00\uc624\uba74\uc11c \uc2e0\uc6a9 \uacbd\uc0c9 \uc6b0\ub824\ub294 \ud55c\uce35 \ucee4\uc9c0\ub294 \ubaa8\uc2b5\uc774\ub2e4.<\/p>\n\n\n\n

3\uc77c \uc2e0\uc6a9\ud3c9\uac00\ud68c\uc0ac \ud2b8\ub79c\uc2a4\uc720\ub2c8\uc5b8\uc774 \ubc1c\ud45c\ud55c \ubcf4\uace0\uc11c\uc5d0 \ub530\ub974\uba74 \uc2e0\uc6a9\uc810\uc218\uac00 781~850\uc810\uc73c\ub85c \ucd5c\uc0c1\uc704 \ub4f1\uae09\uc778 \u2018\uc288\ud37c\ud504\ub77c\uc784\u2019(Super Prime) \ub300\ucd9c\uc790 \ube44\uc911\uc740 \uc62c\ud574 3\ubd84\uae30 40.9%\ub85c 2019\ub144 3\ubd84\uae30(37.1%)\ubcf4\ub2e4 3.8%\ud3ec\uc778\ud2b8 \uc0c1\uc2b9\ud588\ub2e4. \uc2e0\uc6a9\ub3c4\uac00 \ub0ae\uc544 \uc0c1\ud658 \uc704\ud5d8\uc774 \ud070 300~600\uc810\ub300 \u2018\uc11c\ube0c\ud504\ub77c\uc784\u2019(Subprime) \ub300\ucd9c\uc790 \ube44\uc911\ub3c4 \ub3d9\ubc18 \uc99d\uac00\ud588\ub2e4. \ucf54\ub85c\ub09819 \ud32c\ub370\ubbf9 \uae30\uac04 \ub3d9\uc548 \uc815\ubd80\uc758 \uacbd\uae30 \ubd80\uc591\ucc45\uacfc \ub300\ucd9c \uad6c\uc81c \ud504\ub85c\uadf8\ub7a8 \ub355\ubd84\uc5d0 \uc7a0\uc2dc \uc548\uc815\ub410\ub358 \uc2e0\uc6a9\ub4f1\uae09 \uc591\uadf9\ud654\uac00 \ub2e4\uc2dc \uc545\ud654\ud558\uace0 \uc788\ub2e4.<\/p>\n\n\n\n

\ubc18\uba74 \uc2e0\uc6a9 \uc704\ud5d8\uc774 \uc911\uac04 \uc218\uc900\uc778 \u2018\ud504\ub77c\uc784\u2019(Prime)\u00b7\u2018\ub2c8\uc5b4 \ud504\ub77c\uc784\u2019(Near Prime)\u00b7\u2018\ud504\ub77c\uc784 \ud50c\ub7ec\uc2a4\u2019(Prime Plus) \uad6c\uac04 \uc18c\ube44\uc790 \ube44\uc728\uc740 \ud32c\ub370\ubbf9 \uc774\uc804\ubcf4\ub2e4 \ub0ae\uc544\uc84c\ub2e4. \ud2b8\ub79c\uc2a4\uc720\ub2c8\uc5b8\uc758 \ubbf8\uc178 \ub77c\ub124\ub9ac \ubd80\uc0ac\uc7a5\uc740 \u201c\uc2e0\uc6a9 \ub4f1\uae09\uc774 \uc591\uadf9\ub2e8\uc73c\ub85c \uc774\ub3d9\ud558\ub294 \ud604\uc0c1\uc740 \uba87 \ub144\uc9f8 \uc9c0\uc18d \uc911\uc774\uba70, \uc774\ub294 \ubbf8\uad6d \uacbd\uc81c\uac00 \u2018K\uc790\ud615\u2019 \uad6d\uba74\uc5d0 \ub4e4\uc5b4\uc130\uc74c\uc744 \ubcf4\uc5ec\uc900\ub2e4\u201d\uace0 \ud3c9\uac00\ud588\ub2e4. \ubd80\uc720\ud55c \uac00\uacc4\ub294 \uc5ec\uc804\ud788 \uc18c\ube44\ub97c \uc774\uc5b4\uac00\ub294 \ubc18\uba74 \uc800\uc18c\ub4dd\uce35\uacfc \uc80a\uc740 \uc138\ub300\ub294 \uace0\uae08\ub9ac\uc640 \ubb3c\uac00 \uc0c1\uc2b9\uc5d0 \ucde8\uc57d\ud574 \uc2e0\uc6a9 \ub9ac\uc2a4\ud06c\uac00 \ucee4\uc9c4 \uac83\uc774\ub2e4.<\/p>\n\n\n\n

<\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/p>\n\n\n\n

\ub77c\ub124\ub9ac \ubd80\uc0ac\uc7a5\uc740 \u201c\uc55e\uc73c\ub85c \uad00\uac74\uc740 \uc11c\ube0c\ud504\ub77c\uc784 \ub300\ucd9c\uc790\ub4e4\uc774 \uc81c\ud55c\ub41c \uc2e0\uc6a9\uc744 \uc5bc\ub9c8\ub098 \ud604\uba85\ud558\uac8c \uad00\ub9ac\ud560 \uc218 \uc788\ub290\ub0d0\uc5d0 \ub2ec\ub824 \uc788\ub2e4\u201d\uba70 \u201c\uc5f0\uccb4\uc728\uc774 \uae09\uaca9\ud788 \uc624\ub974\uc9c0 \uc54a\uc558\uc9c0\ub9cc, \ub300\ucd9c \uc99d\uac00 \uc18d\ub3c4\uc640 \uc0c1\ud658 \ubd80\ub2f4\uc744 \uace0\ub824\ud558\uba74 \uc704\ud5d8 \uc2e0\ud638\uac00 \ub204\uc801\ub418\uace0 \uc788\ub2e4\u201d\uace0 \uacbd\uace0\ud588\ub2e4. \uc2e4\uc81c\ub85c \uc2e0\uc6a9\uce74\ub4dc \uc5f0\uccb4\uc728\uc740 \uc544\uc9c1 \uc644\ub9cc\ud55c \uc218\uc900\uc744 \uc720\uc9c0\ud558\uace0 \uc788\uc9c0\ub9cc, \ucd1d \uce74\ub4dc \uc794\uc561\uc740 1\uc8701,100\uc5b5\ub2ec\ub7ec\ub85c \uc0ac\uc0c1 \ucd5c\uace0\uce58\ub97c \uae30\ub85d\ud588\ub2e4. \uce74\ub4dc \uc774\uc6a9\uc790 1\uc778\ub2f9 \ud3c9\uade0 \ubd80\ucc44\ub294 6,523\ub2ec\ub7ec\ub85c \uc804\ub144 \ub300\ube44 \uc99d\uac00\ud588\ub2e4.<\/p>\n\n\n\n

\uc790\ub3d9\ucc28 \ub300\ucd9c \ubd80\ubb38 \uc5ed\uc2dc \ub9c8\ucc2c\uac00\uc9c0\ub2e4. \uc62c\ud574 3\ubd84\uae30 \uc2e0\uaddc \uc790\ub3d9\ucc28 \ub300\ucd9c \uac74\uc218\ub294 \uc804\ub144 \ub300\ube44 5.2% \ub298\uc5c8\ub294\ub370, \uc288\ud37c\ud504\ub77c\uc784\uacfc \uc11c\ube0c\ud504\ub77c\uc784 \ub300\ucd9c\uc790\uc758 \ube44\uc911\uc774 \ub450\ub4dc\ub7ec\uc84c\ub2e4. \ud558\uc9c0\ub9cc \uc6d4 \uc0c1\ud658\uc561 \ubd80\ub2f4\uc774 \ucee4\uc9c0\uba74\uc11c 60\uc77c \uc774\uc0c1 \uc5f0\uccb4\ub41c \uacc4\uc88c \ube44\uc728\uc740 \uc804\ub144 \ub300\ube44 0.04%\ud3ec\uc778\ud2b8 \uc0c1\uc2b9\ud588\ub2e4. \ud2b8\ub79c\uc2a4\uc720\ub2c8\uc5b8\uc740 \ubcf4\uace0\uc11c\ub97c \ud1b5\ud574 \u201c2024\ub144 \ub300\ucd9c \ube48\ud2f0\uc9c0(\ubc1c\uae09 \uc2dc\uc810 \uae30\uc900)\uc758 \uc5f0\uccb4\uc728\uc740 \uc5ec\uc804\ud788 \ud32c\ub370\ubbf9 \uc774\uc804\ubcf4\ub2e4 \ub192\uc740 \uc218\uc900\u201d\uc774\ub77c\uba70 \u201c\ud2b9\ud788 \ud504\ub77c\uc784 \ubc0f \uc11c\ube0c\ud504\ub77c\uc784 \uacc4\uce35\uc5d0\uc11c \uc2e0\uc6a9 \uc2e4\uc801 \uc555\ubc15\uc774 \uc9c0\uc18d\ub418\uace0 \uc788\ub2e4\u201d\uace0 \ubd84\uc11d\ud588\ub2e4.<\/p>\n\n\n\n

\uc2e0\uc6a9 \uc591\uadf9\ud654\ub294 \uac1c\uc778 \uc7ac\uc815\uc758 \ubd95\uad34\ub85c \uc774\uc5b4\uc9c0\uace0 \uc788\ub2e4. \uc5f0\ubc29\ubc95\uc6d0 \ud589\uc815\uad6d(AOUSC)\uc5d0 \ub530\ub974\uba74 \uc62c\ud574 3\uc6d4 \ub9d0 \uae30\uc900 \ucd5c\uadfc 12\uac1c\uc6d4 \ub3d9\uc548 \uc804\uccb4 \ud30c\uc0b0 \uc2e0\uccad \uac74\uc218\ub294 52\ub9cc9,080\uac74\uc73c\ub85c \uc804\ub144 \ub300\ube44 13.1% \uc99d\uac00\ud588\ub2e4. \uc774 \uc911 \uac1c\uc778 \ud30c\uc0b0\uc740 50\ub9cc5,771\uac74\uc73c\ub85c 13.0%\ub098 \ub298\uc5b4\ub0ac\ub2e4. \uacbd\uae30 \ub454\ud654\uc640 \uc2e0\uc6a9 \uc545\ud654\uac00 \uc11c\ubbfc\uce35\uc758 \ubd80\ucc44 \uc0c1\ud658 \ub2a5\ub825\uc744 \ube60\ub974\uac8c \uac09\uc544\uba39\uace0 \uc788\ub2e4\ub294 \ubc29\uc99d\uc774\ub2e4. \uc5f0\uccb4\uc728 \uc0c1\uc2b9\uacfc \uac1c\uc778 \ud30c\uc0b0 \uc99d\uac00\ub294 \uae08\uc735\uae30\uad00\uc758 \ub300\ucd9c \uc2ec\uc0ac\ub97c \ub354\uc6b1 \uac15\ud654\uc2dc\ud0a4\uace0, \uc774\ub294 \ub2e4\uc2dc \uc18c\ube44 \uc704\ucd95\uacfc \uacbd\uae30 \ub454\ud654\ub85c \uc774\uc5b4\uc9c0\ub294 \uc545\uc21c\ud658\uc744 \ub0b3\uc744 \uac00\ub2a5\uc131\uc774 \ub192\ub2e4.<\/p>\n\n\n\n

\ubb38\uc81c\ub294 \uc5f0\ub9d0\uc5f0\uc2dc \uc18c\ube44 \uc2dc\uc98c\uc774 \ubcf8\uaca9\ud654\ub418\uace0 \uc788\ub2e4\ub294 \uc810\uc774\ub2e4. \ubbf8\uad6d\uc18c\ub9e4\ud611\ud68c(NRF)\ub294 \uc62c\ud574 \uc5f0\ub9d0 \uc18c\ube44\uac00 \uc804\ub144\ubcf4\ub2e4 3~4% \uc99d\uac00\ud560 \uac83\uc73c\ub85c \ub0b4\ub2e4\ubd24\uc9c0\ub9cc, \uc774\ub294 \uce74\ub4dc\u00b7\ub300\ucd9c \uae30\ubc18\uc758 \u2018\ubd80\ucc44 \uc18c\ube44\u2019\uac00 \ub298\uc5b4\ub0a0 \uac00\ub2a5\uc131\uc744 \uc758\ubbf8\ud55c\ub2e4. \uc804\ubb38\uac00\ub4e4\uc740 \u201c\ub2e8\uae30\uc801\uc73c\ub85c\ub294 \uc18c\ube44\uac00 \uc720\uc9c0\ub418\uaca0\uc9c0\ub9cc, \uace0\uae08\ub9ac\uc640 \uc2e0\uc6a9 \ud55c\ub3c4 \ucd95\uc18c\uac00 \uacb9\uce58\uba74 \ub0b4\ub144 \uc0c1\ubc18\uae30\ubd80\ud130 \uc5f0\uccb4\uc728\uacfc \ud30c\uc0b0\ub960\uc774 \uae09\uaca9\ud788 \uc624\ub97c \uc218 \uc788\ub2e4\u201d\uace0 \uacbd\uace0\ud55c\ub2e4.<\/p>\n\n\n\n

<\ubc15\ud64d\uc6a9 \uae30\uc790><\/p>","protected":false},"excerpt":{"rendered":"

\u25b6 \uc2e0\uc6a9\ub4f1\uae09 \ubb34\uad00 \ub300\ucd9c \uc99d\uac00\uc138\u25b6 \u201c\uc704\ud5d8 \uc2e0\ud638 \uc9c0\uc18d \ub204\uc801 \uc911\u201d \u25b6 \uac1c\uc778 \ud30c\uc0b0 50\ub9cc\uac74, 13.0%\u2191\u25b6…<\/p>","protected":false},"author":1,"featured_media":32253,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"WB4WB4WP_MODE":"","WB4WP_PAGE_SCRIPTS":"","WB4WP_PAGE_STYLES":"","WB4WP_PAGE_FONTS":"","WB4WP_PAGE_HEADER":"","WB4WP_PAGE_FOOTER":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[37],"tags":[2282],"class_list":["post-32252","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-politics","tag-2282"],"yoast_head":"\n\uace0\ubb3c\uac00 \uc18d \u2018\ub300\ucd9c\uc758 \ub36b\u2019 \ube60\uc9c4 \ubbf8\uad6d\u2026 \u2018\uc911\uc0b0\uce35 \ubd95\uad34\u2019 - \ud55c\uad6d\uc77c\ubcf4 \ud544\ub77c\ub378\ud53c\uc544<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/koreatimesphila.com\/en\/\uace0\ubb3c\uac00-\uc18d-\ub300\ucd9c\uc758-\ub36b-\ube60\uc9c4-\ubbf8\uad6d-\uc911\uc0b0\uce35-\ubd95\uad34\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\uace0\ubb3c\uac00 \uc18d \u2018\ub300\ucd9c\uc758 \ub36b\u2019 \ube60\uc9c4 \ubbf8\uad6d\u2026 \u2018\uc911\uc0b0\uce35 \ubd95\uad34\u2019 - \ud55c\uad6d\uc77c\ubcf4 \ud544\ub77c\ub378\ud53c\uc544\" \/>\n<meta property=\"og:description\" content=\"\u25b6 \uc2e0\uc6a9\ub4f1\uae09 \ubb34\uad00 \ub300\ucd9c \uc99d\uac00\uc138\u25b6 \u201c\uc704\ud5d8 \uc2e0\ud638 \uc9c0\uc18d \ub204\uc801 \uc911\u201d \u25b6 \uac1c\uc778 \ud30c\uc0b0 50\ub9cc\uac74, 13.0%\u2191\u25b6...\" \/>\n<meta property=\"og:url\" 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