[et_pb_section fb_built=”1″ admin_label=”Header” _builder_version=”4.16″ min_height=”130px” custom_padding=”0px|0px|0|0px|false|false” locked=”off” global_colors_info=”{}”][et_pb_row column_structure=”2_3,1_3″ use_custom_gutter=”on” gutter_width=”2″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”0px||||false|false” locked=”off” global_colors_info=”{}”][et_pb_column type=”2_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9mZWF0dXJlZF9pbWFnZSIsInNldHRpbmdzIjp7fX0=@” title_text=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF90aXRsZSIsInNldHRpbmdzIjp7ImJlZm9yZSI6IiIsImFmdGVyIjoiIn19@” admin_label=”Image” _builder_version=”4.16″ _dynamic_attributes=”src,title_text” _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_code _builder_version=”4.24.2″ 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custom_width_px=”1280px” global_colors_info=”{}” background_size__hover=”cover” background_size__hover_enabled=”cover” background_position__hover=”center” background_position__hover_enabled=”center” use_background_color_gradient__hover=”off” use_background_color_gradient__hover_enabled=”off” background_color_gradient_start__hover=”#2b87da” background_color_gradient_start__hover_enabled=”#2b87da” background_color_gradient_end__hover=”#29c4a9″ background_color_gradient_end__hover_enabled=”#29c4a9″ background_color_gradient_type__hover=”linear” background_color_gradient_type__hover_enabled=”linear” background_color_gradient_direction__hover=”180deg” background_color_gradient_direction__hover_enabled=”180deg” background_color_gradient_direction_radial__hover=”center” background_color_gradient_direction_radial__hover_enabled=”center” background_color_gradient_start_position__hover=”0%” background_color_gradient_start_position__hover_enabled=”0%” 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background_repeat__hover_enabled=”no-repeat” background_blend__hover=”normal” background_blend__hover_enabled=”normal” allow_player_pause__hover=”off” allow_player_pause__hover_enabled=”off” background_video_pause_outside_viewport__hover=”on” background_video_pause_outside_viewport__hover_enabled=”on” use_custom_gutter__hover=”off” use_custom_gutter__hover_enabled=”off” gutter_width__hover=”3″ gutter_width__hover_enabled=”3″ make_equal__hover=”off” make_equal__hover_enabled=”off” border_radii__hover=”on||||” border_radii__hover_enabled=”on||||” box_shadow_style__hover=”none” box_shadow_style__hover_enabled=”none” box_shadow_color__hover=”rgba(0,0,0,0.3)” box_shadow_color__hover_enabled=”rgba(0,0,0,0.3)” max_width__hover=”100%” max_width__hover_enabled=”100%” filter_hue_rotate__hover=”0deg” filter_hue_rotate__hover_enabled=”0deg” filter_saturate__hover=”100%” filter_saturate__hover_enabled=”100%” filter_brightness__hover=”100%” filter_brightness__hover_enabled=”100%” filter_contrast__hover=”100%” filter_contrast__hover_enabled=”100%” filter_invert__hover=”0%” filter_invert__hover_enabled=”0%” filter_sepia__hover=”0%” filter_sepia__hover_enabled=”0%” filter_opacity__hover=”100%” filter_opacity__hover_enabled=”100%” filter_blur__hover=”0px” filter_blur__hover_enabled=”0px” mix_blend_mode__hover=”normal” mix_blend_mode__hover_enabled=”normal” animation_style__hover=”none” animation_style__hover_enabled=”none” animation_repeat__hover=”once” animation_repeat__hover_enabled=”once” animation_direction__hover=”center” animation_direction__hover_enabled=”center” animation_duration__hover=”1000ms” animation_duration__hover_enabled=”1000ms” animation_delay__hover=”0ms” animation_delay__hover_enabled=”0ms” animation_intensity_slide__hover=”50%” animation_intensity_slide__hover_enabled=”50%” animation_intensity_zoom__hover=”50%” animation_intensity_zoom__hover_enabled=”50%” animation_intensity_flip__hover=”50%” animation_intensity_flip__hover_enabled=”50%” 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text_font=”||||||||” text_line_height=”1.8em” header_font=”||||||||” header_2_font=”Work Sans|700|||||||” header_2_font_size=”25px” header_2_line_height=”1.5em” max_width_tablet=”” max_width_phone=”” max_width_last_edited=”on|tablet” header_2_font_size_tablet=”30px” header_2_font_size_phone=”15px” header_2_font_size_last_edited=”on|desktop” locked=”off” global_colors_info=”{}” header_font_size__hover=”30px” header_font_size__hover_enabled=”30px” header_letter_spacing__hover=”0px” header_letter_spacing__hover_enabled=”0px” header_text_shadow_style__hover=”none” header_text_shadow_style__hover_enabled=”none” header_text_shadow_color__hover=”rgba(0,0,0,0.4)” header_text_shadow_color__hover_enabled=”rgba(0,0,0,0.4)” header_2_font_size__hover=”26px” header_2_font_size__hover_enabled=”26px” header_2_letter_spacing__hover=”0px” header_2_letter_spacing__hover_enabled=”0px” header_2_line_height__hover=”1em” header_2_line_height__hover_enabled=”1em” header_2_text_shadow_style__hover=”none” header_2_text_shadow_style__hover_enabled=”none” header_2_text_shadow_color__hover=”rgba(0,0,0,0.4)” header_2_text_shadow_color__hover_enabled=”rgba(0,0,0,0.4)” header_3_font_size__hover=”22px” header_3_font_size__hover_enabled=”22px” header_3_letter_spacing__hover=”0px” header_3_letter_spacing__hover_enabled=”0px” header_3_line_height__hover=”1em” header_3_line_height__hover_enabled=”1em” header_3_text_shadow_style__hover=”none” header_3_text_shadow_style__hover_enabled=”none” header_3_text_shadow_color__hover=”rgba(0,0,0,0.4)” header_3_text_shadow_color__hover_enabled=”rgba(0,0,0,0.4)” header_4_font_size__hover=”18px” header_4_font_size__hover_enabled=”18px” header_4_letter_spacing__hover=”0px” header_4_letter_spacing__hover_enabled=”0px” header_4_line_height__hover=”1em” header_4_line_height__hover_enabled=”1em” header_4_text_shadow_style__hover=”none” header_4_text_shadow_style__hover_enabled=”none” header_4_text_shadow_color__hover=”rgba(0,0,0,0.4)” header_4_text_shadow_color__hover_enabled=”rgba(0,0,0,0.4)” header_5_font_size__hover=”16px” header_5_font_size__hover_enabled=”16px” header_5_letter_spacing__hover=”0px” header_5_letter_spacing__hover_enabled=”0px” header_5_line_height__hover=”1em” header_5_line_height__hover_enabled=”1em” header_5_text_shadow_style__hover=”none” header_5_text_shadow_style__hover_enabled=”none” header_5_text_shadow_color__hover=”rgba(0,0,0,0.4)” header_5_text_shadow_color__hover_enabled=”rgba(0,0,0,0.4)” header_6_font_size__hover=”14px” header_6_font_size__hover_enabled=”14px” header_6_letter_spacing__hover=”0px” header_6_letter_spacing__hover_enabled=”0px” header_6_line_height__hover=”1em” header_6_line_height__hover_enabled=”1em” header_6_text_shadow_style__hover=”none” header_6_text_shadow_style__hover_enabled=”none” header_6_text_shadow_color__hover=”rgba(0,0,0,0.4)” header_6_text_shadow_color__hover_enabled=”rgba(0,0,0,0.4)” text_letter_spacing__hover=”0px” text_letter_spacing__hover_enabled=”0px” text_text_shadow_style__hover=”none” text_text_shadow_style__hover_enabled=”none” text_text_shadow_color__hover=”rgba(0,0,0,0.4)” text_text_shadow_color__hover_enabled=”rgba(0,0,0,0.4)”]<\/p>\n
\uce90\ub098\ub2e4 \uc911\uc559\uc740\ud589\uc740 23\uc77c \ucf54\ub85c\ub098-19 \ud32c\ub370\ubbf9 \uc774\ud6c4 \ucc98\uc74c\uc73c\ub85c 50bp\uc758 \uae08\ub9ac\uc778\ud558\ub97c \ub2e8\ud589\ud588\ub2e4. \uc774\ub85c\uc368 \uae30\uc900\uae08\ub9ac\ub294 4.25%\uc5d0\uc11c 3.75%\ub85c \ub0b4\ub838\ub2e4.<\/p>\n
\n\u201c\ub454\ud654\ub41c \uacbd\uc81c \uc131\uc7a5\uc138 \ucd09\uc9c4\uc704\ud574\u201d, \ucd94\uac00 \uc778\ud558\ub3c4 \uc5b8\uae09<\/strong><\/h3>\n<\/blockquote>\n
\uc0ac\uc804 \uc870\uc0ac\uc5d0\uc11c \ub2e4\uc218\uc758 \uacbd\uc81c\uc804\ubb38\uac00\uc640 \ud559\uc790\ub4e4\uc740 6\uc6d4, 7\uc6d4, 9\uc6d4\uc758 25bp \ubcf4\ub2e4 \ub354 \ud070 \ud3ed\uc758 \uc778\ud558\ub97c \ub2e8\ud589\uc744 \uc608\uc0c1\ud588\uc5c8\ub2e4. \uce90\ub098\ub2e4\uc911\uc559\uc740\ud589\uc774 \ub9c8\uc9c0\ub9c9\uc73c\ub85c \uc774 \uaddc\ubaa8\ub85c \uc778\ud558\ud55c \uac83\uc740 2020\ub144 3\uc6d4 27\uc77c \uc774\uc5c8\ub2e4.<\/p>\n
\uce90\ub098\ub2e4\uc911\uc559\uc740\ud589\uc758 \ucd08\uae30 \uae08\ub9ac\uc778\uc0c1 \uc8fc\uae30\uc758 \ucd09\ub9e4\uc81c\uc600\ub358 \ud1b5\uc81c\ubd88\ub2a5 \ubb3c\uac00\uc0c1\uc2b9\ub960\uc5d0 \ub300\ud55c \uc6b0\ub824\uac00 \uc9c4\uc815\ub428\uc5d0 \ub530\ub77c \uc911\uc559\uc740\ud589\uc740 \uc774\uc81c \uc778\ud50c\ub808\uc774\uc158\uc744 \uc548\uc815\uc801\uc73c\ub85c \uc720\uc9c0\ud558\uace0 \ub192\uc740 \uae08\ub9ac\uc758 \uc555\ubc15\uc73c\ub85c \ub454\ud654\ub41c \uacbd\uc81c \uc131\uc7a5\uc744 \uc9c0\uc6d0\ud558\uae30\uc704\ud574 \uc778\ud558\ub85c \ubc29\ud5a5\uc744 \uc804\ud658\ud558\uace0 \uc788\ub2e4.<\/p>\n
\ud2f0\ud504 \ub9e5\ud074\ub818 \ucd1d\uc7ac\ub29423\uc77c \uc624\uc804 \uae30\uc790\ud68c\uacac\uc5d0\uc11c “\uc6b0\ub9ac\ub294 \ucc29\ub959\uc744 \uace0\uc218\ud574\uc57c \ud55c\ub2e4.”\uace0 \ub9d0\ud588\ub2e4.<\/p>\n
“\uc778\ud50c\ub808\uc774\uc158\uc774 2%\ub85c \ud68c\ubcf5\ub418\uba74\uc11c \uc774\uc81c \ub454\ud654\ub41c \uacbd\uc81c \uc131\uc7a5\uc138\uac00 \uac15\ud654\ub418\uae30\ub97c \ubc14\ub780\ub2e4. \uc624\ub298\uc758 \uae08\ub9ac \uacb0\uc815\uc740 \uc218\uc694 \ud68c\ubcf5\uc5d0 \uae30\uc5ec\ud560 \uac83\u201d \uc774\ub77c\uace0 \uc790\uc2e0\ud588\ub2e4.<\/p>\n
\ub9e5\ud074\ub818 \ucd1d\uc7ac\ub294 \uc774\ubc88 \uae08\ub9ac\uc778\ud558 \uacb0\uc815\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce5c \uacbd\uc81c \uc0c1\ud669\uc5d0 \ub300\ud574 \uc124\uba85\ud588\ub2e4. \u201c\uc8fc\ud0dd\uac00\uaca9\uc774 \uc5ec\uc804\ud788 \uc0c1\uc2b9\ud558\uace0 \uc788\uc9c0\ub9cc \ud575\uc2ec\uc778\ud50c\ub808\uc774\uc158\uc740 \uacc4\uc18d \uc644\ud654\ub418\uace0 \uc788\ub2e4. \uacbd\uc81c\uc758 \uacfc\uc789\uacf5\uae09\uc73c\ub85c \uc778\ud574 \uc18c\ube44\uc790 \ubb3c\uac00\uac00 \ud558\ub77d\ud588\ub2e4\u201d\uace0 \uc5b8\uae09\ud558\uba70 “\uc77c\uc790\ub9ac \ud574\uace0\ub294 \uc18c\ud3ed \uc720\uc9c0\ub418\uc5c8\uc9c0\ub9cc \uae30\uc5c5 \ucc44\uc6a9\uc740 \ubd80\uc9c4\ud558\ub2e4. \ud2b9\ud788 \uc80a\uc740 \uce35\uacfc \uc0c8 \uc774\ubbfc\uc790\uc5d0\uac8c \uc601\ud5a5\uc744 \ubbf8\ucce4\ub2e4.\u201d \uace0 \uc124\uba85\ud588\ub2e4. \uadf8\ub294 \u201c\uac04\ub2e8\ud788 \ub9d0\ud574, \uc77c\uc790\ub9ac \uc218 \ubcf4\ub2e4 \uadfc\ub85c\uc790 \uc218\uac00 \ub354 \ube60\ub974\uac8c \uc99d\uac00\ud588\ub2e4.\u201d \ub367\ubd99\uc600\ub2e4.<\/p>\n
\ub9e5\ud074\ub818 \ucd1d\uc7ac\ub294 \uae30\uc790\ud68c\uacac\uc5d0\uc11c \uacbd\uc81c\uac00 \uc608\uce21\uc5d0 \ub530\ub77c \uad11\ubc94\uc704\ud558\uac8c \ubc1c\uc804\ud560 \uacbd\uc6b0 \uc911\uc559\uc740\ud589\uc774 \uc815\ucc45 \uae08\ub9ac\ub97c \ucd94\uac00\ub85c \uc778\ud558\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ud55c\ub2e4\uace0 \uc5b8\uae09\ud588\ub2e4. \uadf8\ub7ec\ub098 \uae08\ub9ac\uc778\ud558 \uc2dc\uae30\uc640 \uc18d\ub3c4\ub294 \ub4e4\uc5b4\uc624\ub294 \uacbd\uc81c\uc9c0\ud45c\uc640 \uc740\ud589\uc758 \uc778\ud50c\ub808\uc774\uc158 \uc804\ub9dd\uc5d0 \ubbf8\uce60 \uc7a0\uc7ac\uc801 \uc601\ud5a5\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\ub2e4\ub294 \uc810\uc744 \uac15\uc870\ud588\ub2e4. \u201c\uce90\ub098\ub2e4\uc911\uc559\uc740\ud589\uc774 \ud55c \ubc88\uc5d0 \ud55c \ubc88\uc529 \uacb0\uc815\uc744 \ub0b4\ub9b4 \uac83\u201d\uc774\ub77c\uba70 \ud3c9\uc18c \ubc1c\uc5b8\uc744 \ubc18\ubcf5\ud588\ub2e4.<\/p>\n
<\/p>\n
\uc65c \uc548\ub3c4 \ubabb\ud558\ub098?<\/p>\n
\ub9e5\ud074\ub818 \ucd1d\uc7ac\ub294 \uc778\ud50c\ub808\uc774\uc158\uacfc \uae08\ub9ac\ud558\ub77d\uc758 \uc601\ud5a5\uc744 \uc77c\uc0c1 \uc0dd\ud65c\uc5d0\uc11c \ub290\ub07c\uc9c0 \ubabb\ud558\ub294 \uce90\ub098\ub2e4\uc778\ub4e4\uc5d0\uac8c \uc5b4\ub5a4 \ub9d0\uc744 \ud560\uac83\uc778\uc9c0 \ubb3b\ub294 \uae30\uc790\ub4e4\uc758 \uc9c8\ubb38\uc5d0 \uc774\ub807\uac8c \ub2f5\ud588\ub2e4.<\/p>\n
“\uc790\uccb4 \uc18c\ube44\uc790 \uc124\ubb38\uc870\uc0ac\uc5d0\uc11c \uadf8\ub7f0 \uc0ac\uc2e4\uc744 \ud655\uc778\ud560 \uc218 \uc788\uc5c8\ub2e4\u201d\ub77c\uba74\uc11c \u201c\uc778\ud50c\ub808\uc774\uc158\uc774 \ud558\ub77d\ud568\uc5d0 \ub530\ub77c \uce90\ub098\ub2e4\uc778\ub4e4\uc774 \uc0dd\ud65c\ube44\uc758 \ud070 \ubcc0\ud654\uc5d0 \ub300\ud574\uc11c \ud06c\uac8c \uac71\uc815\ud560 \ud544\uc694\uac00 \uc5c6\uc744 \uac83\u201d\uc774\ub77c\uace0 \ud588\ub2e4.<\/p>\n
\uce90\ub098\ub2e4 \uc18c\ube44\uc790\ub4e4\uc740 \uc778\ud50c\ub808\uc774\uc158\uc774 \ud558\ub77d\ud574\ub3c4 \uc548\ub3c4\uac10\uc744 \ub290\ub07c\uc9c0 \ubabb\ud560 \uc218 \uc788\ub2e4. \uc778\ud50c\ub808\uc774\uc158\uc740 \ubb3c\uac00\uc0c1\uc2b9\uc758 \uc18d\ub3c4\ub97c \ud45c\uc2dc\ud558\uae30 \ub54c\ubb38\uc5d0 \uc778\ud50c\ub808\uc774\uc158\uc774 \ud558\ub77d\ud574\ub3c4 \ub300\ub2e4\uc218 \ud488\ubaa9\uc758 \ubb3c\uac00\ub294 \uc0c1\uc2b9\ud3ed\uc774 \ub0ae\uc544\uc84c\uc744 \ubfd0 \uacc4\uc18d \uc0c1\uc2b9\ud558\uae30 \ub54c\ubb38\uc774\ub2e4.<\/p>\n
CIBC \uc6d4\ub4dc\ub9c8\ucf13\uc758\uc218\uc11d\uc774\ucf54\ub178\ubbf8\uc2a4\ud2b8\uc778\uc5d0\uc774\ubc84\ub9ac\uc174\ud3a0\ub4dc\ub294\uace0\uac1d\ub4e4\uc5d0\uac8c\ubcf4\ub0b8\uba54\ubaa8\uc5d0\uc11c “\ucd5c\uadfc\uc758 \uad00\ud589\ucc98\ub7fc \uc740\ud589\uc740 \uac1c\ubcc4 \uae08\ub9ac\uc778\ud558 \uaddc\ubaa8\uc5d0\ub300\ud55c \uad6c\uccb4\uc801 \uc2e0\ud638\ub97c \ubcf4\ub0b4\uc9c0 \uc54a\uace0 \uc635\uc158\uc744 \uacc4\uc18d \uc5f4\uc5b4\ub458 \ubfd0, \uc0c1\ub2f9\ud55c \uad6d\uba74 \uc804\ud658\uc774 \ubc1c\uc0dd\ud558\uc9c0 \uc54a\ub294 \ud55c 12\uc6d4\uc5d0\ub3c4 0.5\ud3ec\uc778\ud2b8 \uaddc\ubaa8\uc758 \uc778\ud558\uac00 \uc774\ub8e8\uc5b4\uc9c8 \uac83\u201d\uc774\ub77c\uace0 \uc804\ub9dd\ud588\ub2e4.<\/p>\n
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