???? ‘??’ ???…????? ‘??’

???(??)
?? 2024? 12? 19? 07? 28?

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?? 2?? ???? ??? ?·?? ?? ???? ‘??’
?? “???? ??? ???? ?? ??, ??? ??? ?”

?? ???? ?? ?? ?? ??? ??? ???? 2013? ?? 11? ?? ???? ??? ??? ????. 16? ????????? ??? ?? 1～11? ???(??·??·????) ???? ?????? ?? ??? 12?9703??? ????. ?? 12? ? ?? ???? ?? 11??? ???? ?? 2013? 14?8701? ?? ?? ???. ??? ?? ???? ??? ?? ??? ??. 2024.12.16.???

????? 2? ?? ???? ??? ??? ?? ???? ????? ??? ??? ?·?? ?? ?? ???? ???? ??? ??. ?·?? ?? ??? ???? ??? ???? ?? ????? ??? ?? ??? ????? ??? ????? ??? ???.

19? ???? ??? ?????? ??????? ??? ???(???·AAA) 1?? ????? 17? ?? 3.007%? ????. ?? 10??(31?) ?? 3.227% ?? 0.220%??? ?? ????.

??? 1??? ????? ???? ????? 1? ?? ????? ???? ?? ??. KB???? ???? ??? ?? 4.00~5.00%? ????. 10?? 4.27~5.17% ?? ??? 0.27%???, ??? 0.17%??? ?? ????.

? ?? ????? 4.15~5.85%?? 5.64%? ????. ???? ??? ???? ??? 1.49%??? ??? ??? 0.21%??? ???. NH????? 4.40~5.60%?? 4.27~5.47%? ??? ??? 0.13%??? ????.

?? ??? ?? ???? 1? ????(KB??) ??? ?? 3.20%? ????. ?? 10?? 3.35%?? 0.15%??? ??? ???. ? ?? ???? ‘??? ????’? ???? ‘??? ????’ 12?? ??? 3.35%?? 3.2%? 0.15%???? ???. ???? ‘???? ??’? 3.27%?? 3.20%? 0.07%??? ???.

??? ???? ??? ??? ????? ??? ??? ?? ?? ??? ?????, ????? ???? ??? ???? ??. ?? ???? ??? ?? ???? ????? ??? ????? ?? ???? ????? ???? ????.

???? ????? ??? ?·?? ??? ???? ???? ?????? ?? 3?? ?? ??? ? ??. ????? ?????? ?? ??????? 7? 3.89%?? 10? 4.59%? 0.70%??? ???. ? ?? ?? ???? ??(1?)? 3.37%?? 3.30%? ????.

???? ??????? 3.69%?? 4.45%? 0.76%??? ???. ???? ??? 3.42%?? 3.37%? ???. ???? ??????? 4.00%?? 4.42%? 0.42%??? ???. ????? 3.46%?? 3.37%? ???.

???? ????? 3.60%?? 4.26%? 0.66%??? ????. ????? 3.34%?? 3.40%? 0.06%??? ???. ???? ????? 4.13%?? 4.36%? 0.23%??? ????. ? ?? ????? 3.47%?? 3.39%? ???.

? ?? ??? ????? ??? ?? ???? ???? ??? ???? ?? ??? ??? ???? ?? ???.

??? ?????? ?? ?? ?????? ??? “??? ??? ??? ????(??)? ???? ???? ????? ???”? “????? ? ?? ???? ?? ???? ???? ? ??? ?? ???? ??? ??? ? ???. ??? ??? ???? ??”? ????.

??? ??????? “12? ???? ??? ???? ?? 1???? ??? ??? ? ?? ?”??? ????.

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