{"id":39128,"date":"2026-02-25T22:33:06","date_gmt":"2026-02-25T22:33:06","guid":{"rendered":"https:\/\/www.vtmarkets.com\/kr\/uncategorized\/bnp-%ed%8c%8c%eb%a6%ac%eb%b0%94%eb%8a%94-crr3-%ea%b7%9c%ec%a0%95-%ec%9a%94%ec%9d%b8%ec%9c%bc%eb%a1%9c-2026%eb%85%84-%ec%9c%a0%eb%a1%9c%ec%a1%b4-%ec%9d%80%ed%96%89%eb%93%a4%ec%9d%b4-%ea%b8%b0%ec%97%85\/"},"modified":"2026-02-25T22:33:06","modified_gmt":"2026-02-25T22:33:06","slug":"bnp-%ed%8c%8c%eb%a6%ac%eb%b0%94%eb%8a%94-crr3-%ea%b7%9c%ec%a0%95-%ec%9a%94%ec%9d%b8%ec%9c%bc%eb%a1%9c-2026%eb%85%84-%ec%9c%a0%eb%a1%9c%ec%a1%b4-%ec%9d%80%ed%96%89%eb%93%a4%ec%9d%b4-%ea%b8%b0%ec%97%85","status":"publish","type":"post","link":"https:\/\/www.vtmarkets.com\/kr-asia\/live-updates\/bnp-%ed%8c%8c%eb%a6%ac%eb%b0%94%eb%8a%94-crr3-%ea%b7%9c%ec%a0%95-%ec%9a%94%ec%9d%b8%ec%9c%bc%eb%a1%9c-2026%eb%85%84-%ec%9c%a0%eb%a1%9c%ec%a1%b4-%ec%9d%80%ed%96%89%eb%93%a4%ec%9d%b4-%ea%b8%b0%ec%97%85\/","title":{"rendered":"BNP \ud30c\ub9ac\ubc14\ub294 CRR3 \uaddc\uc815 \uc694\uc778\uc73c\ub85c 2026\ub144 \uc720\ub85c\uc874 \uc740\ud589\ub4e4\uc774 \uae30\uc5c5 \ub300\ucd9c\ubcf4\ub2e4 \uac00\uacc4 \uc2e0\uc6a9\uc744 \ub354 \uc5c4\uaca9\ud558\uac8c \ucde8\uae09\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ud55c\ub2e4\uace0 \ubcf4\uace0\ud588\ub2e4."},"content":{"rendered":"\uc720\ub85c\uc874(\uc720\ub7fd \ub2e8\uc77c\ud1b5\ud654 \uc9c0\uc5ed) \uc740\ud589\ub4e4\uc740 ECB(\uc720\ub7fd\uc911\uc559\uc740\ud589) \uc740\ud589\ub300\ucd9c\uc124\ubb38\uc870\uc0ac(Bank Lending Survey, \uc740\ud589\ub4e4\uc774 \ub300\ucd9c \uae30\uc900\uc744 \uc5b4\ub5bb\uac8c \ubc14\uafb8\ub294\uc9c0 \ubb3b\ub294 \uc124\ubb38)\ub97c \ubc14\ud0d5\uc73c\ub85c, 2026\ub144\uc5d0 \uae30\uc5c5\ubcf4\ub2e4 \uac00\uacc4\uc5d0 \ub300\ud55c **\uc2e0\uc6a9 \uae30\uc900(\ub300\ucd9c\uc744 \ub0b4\uc904 \ub54c \uc801\uc6a9\ud558\ub294 \uc2ec\uc0ac \uae30\uc900)** \uc744 \uc870\uae08 \ub354 \uac15\ud558\uac8c \uac15\ud654(\ub300\ucd9c\uc744 \ub354 \uae4c\ub2e4\ub86d\uac8c \ud568)\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ud55c\ub2e4. \uc774\ub7f0 \ubcc0\ud654\ub294 CRR3(\uc740\ud589 \uaddc\uc81c\ub97c \uc815\ud55c EU \uaddc\uc815\uc758 3\ub2e8\uacc4 \uac1c\uc815\uc73c\ub85c, \uc740\ud589\uc5d0 \ub354 \ub9ce\uc740 \uc790\ubcf8\uacfc \uc720\ub3d9\uc131\uc744 \uc694\uad6c\ud568)\uc640 **\uc544\uc6c3\ud48b \ud50c\ub85c\uc5b4(output floor, \uc740\ud589\uc774 \uc790\uccb4 \uacc4\uc0b0\ud55c \uc704\ud5d8\uce58\uac00 \ub108\ubb34 \ub0ae\uc544\uc9c0\uc9c0 \uc54a\ub3c4\ub85d \ucd5c\uc18c \uc218\uc900\uc744 \uac15\uc81c\ub85c \ub450\ub294 \uaddc\uce59)** \uc5d0 \ub530\ub978 **\uaddc\uc81c \uc790\ubcf8(\ubc95\uc774 \uc694\uad6c\ud558\ub294 \ucd5c\uc18c \uc790\uae30\uc790\ubcf8)** \ubc0f **\uc720\ub3d9\uc131 \uc694\uac74(\uac11\uc790\uae30 \ub3c8\uc774 \ud544\uc694\ud560 \ub54c \ubc84\ud2f8 \uc218 \uc788\ub3c4\ub85d \ud604\uae08\uc131 \uc790\uc0b0\uc744 \ucda9\ubd84\ud788 \ubcf4\uc720\ud558\ub77c\ub294 \uc694\uad6c)** \uc0c1\uc2b9\uacfc \uc5f0\uacb0\ub3fc \uc788\ub2e4.\n\n\uc740\ud589\ub4e4 \uac00\uc6b4\ub370 \uae30\uc900\uc744 \uc870\uc815\ud560 \uacc4\ud68d\uc778 \uacf3\uc740 \uc77c\ubd80\uc5d0 \uadf8\uce5c\ub2e4. \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc758 \uacbd\uc6b0, \uc740\ud589\uc758 10%\ub294 \uc57d\ud55c \uac15\ud654, 3%\ub294 \uac15\ud55c \uac15\ud654, 1%\ub294 \uc57d\ud55c \uc644\ud654\ub97c \uc608\uc0c1\ud55c\ub2e4.\n\n

2026\ub144 \uc2e0\uc6a9 \uae30\uc900 \uc804\ub9dd<\/h3>\n2026\ub144\uc5d0 \ucd94\uac00 \uac15\ud654\ub97c \uc608\uc0c1\ud558\ub294 \uc740\ud589\uc758 **\uc21c\ube44\uc728(net percentage, \u2018\uac15\ud654\u2019 \uc751\ub2f5 \ube44\uc728\uc5d0\uc11c \u2018\uc644\ud654\u2019 \uc751\ub2f5 \ube44\uc728\uc744 \ube80 \uac12)** \uc740 12%\ub85c, 2025\ub144\uc758 7%\uc640 \ube44\uad50\ub41c\ub2e4. \uc774\ub294 2025\ub144\uc5d0 \ub098\ud0c0\ub09c \uac83\ubcf4\ub2e4 2026\ub144\uc5d0 \uac15\ud654\uac00 \ub354 \ub9ce\uc744 \uc218 \uc788\uc74c\uc744 \uc2dc\uc0ac\ud55c\ub2e4.\n\n\uadf8\ub7fc\uc5d0\ub3c4 \ub300\ucd9c \ud65c\ub3d9\uc740 2025\ub144 6\uc6d4 \uc774\ud6c4 \ub298\uc5c8\ub2e4. 12\uac1c\uc6d4 \uae30\uc900\uc73c\ub85c, \uc2e0\uaddc \ub300\ucd9c\uc758 \ub204\uc801 \uc6d4\uac04 \ud750\ub984(\ub9e4\ub2ec \uc0c8\ub85c \ub098\uac04 \ub300\ucd9c\uc744 1\ub144\uce58 \ud569\uce5c \uac12)\uc740 \uc8fc\ud0dd\ub300\ucd9c\uc774 \uc804\ub144 \ub300\ube44 30%, \uae30\uc5c5\ub300\ucd9c\uc774 10% \uc99d\uac00\ud588\ub2e4.\n\n\uc720\ub85c\uc874\uc5d0\uc11c\ub294 \uc77c\ubd80 \uc740\ud589\uc774 2026\ub144\uc5d0 \uac00\uacc4 \ub300\ucd9c \uae30\uc900\uc744 \uc18c\ud3ed \uac15\ud654\ud560 \uacc4\ud68d\uc774\ub2e4. \uc774\ub294 2025\ub144\ubcf4\ub2e4 \uc870\uae08 \ub354 \ud070 \uc218\uc900\uc774\ub2e4. \uc774\ub294 \uc18c\ube44 \uc9c0\ucd9c\uacfc \uc8fc\ud0dd\uc2dc\uc7a5\uc5d0 \uc57d\ud55c \uc81c\ub3d9\uc73c\ub85c \uc791\uc6a9\ud560 \uc218 \uc788\ub2e4.\n\n\uc720\ub85c\uc874 \ubb3c\uac00\uc0c1\uc2b9\ub960(\uc778\ud50c\ub808\uc774\uc158, \ubb3c\uac00\uac00 \uc624\ub974\ub294 \uc18d\ub3c4)\uc774 1\uc6d4\uc5d0 2.2%\ub85c \ub0ae\uc544\uc9c4 \uc0c1\ud669\uc5d0\uc11c, \uc774\ub7f0 \ub300\ucd9c \uae30\uc900 \uac15\ud654\ub294 \ubb3c\uac00 \uc555\ub825\uc744 \ub354 \uc904\uc77c \uc218 \uc788\ub2e4. \ud30c\uc0dd\uc0c1\ud488(\uae30\ucd08\uc790\uc0b0 \uac00\uaca9\uc744 \ubc14\ud0d5\uc73c\ub85c \uac00\uce58\uac00 \uc815\ud574\uc9c0\ub294 \uae08\uc735\uc0c1\ud488) \uac70\ub798\uc790\ub294 EURIBOR(\uc720\ub85c\uc874 \uc740\ud589 \uac04 \uae08\ub9ac \uc9c0\ud45c) \uc120\ubb3c\uc758 \uc635\uc158(\uc815\ud574\uc9c4 \uac00\uaca9\uc73c\ub85c \uc0ac\uace0\ud314 \uc218 \uc788\ub294 \uad8c\ub9ac)\uc744 \uace0\ub824\ud560 \uc218 \uc788\ub2e4. \uc774\ub294 ECB\uac00 \uae08\ub9ac\ub97c \ub354 \uc62c\ub9ac\ub824\ub294 \uac15\uacbd\ud55c \ud0dc\ub3c4\ub97c \ubcf4\uc77c \uc774\uc720\uac00 \uc904\uc5b4\ub4e4 \uc218 \uc788\ub2e4\ub294 \uac00\ub2a5\uc131\uc744 \ubc18\uc601\ud55c\ub2e4. \uadf8 \uacb0\uacfc, \uc55e\uc73c\ub85c \uba87 \uc8fc \ub3d9\uc548 \ub2e8\uae30\uae08\ub9ac\uac00 \ud070 \ubc29\ud5a5\uc131 \uc5c6\uc774 \uc881\uc740 \ubc94\uc704\uc5d0\uc11c \uc6c0\uc9c1\uc77c \uc218 \uc788\ub2e4.\n\n

\uc2dc\uc7a5 \uc601\ud5a5 \ubc0f \uac70\ub798 \uad00\uc810<\/h3>\n\ud558\uc9c0\ub9cc \uc601\ud5a5\uc740 \uacfc\uc7a5\ud560 \ud544\uc694\uac00 \uc5c6\ub2e4. \ud06c\uac8c \uac15\ud654\ud558\ub294 \uc740\ud589\uc740 \uc18c\uc218\uc5d0 \ubd88\uacfc\ud558\uae30 \ub54c\ubb38\uc774\ub2e4. 2025\ub144 \ud558\ubc18\uae30 \uc2e0\uaddc \ub300\ucd9c \ud750\ub984\uc740 \ub9e4\uc6b0 \uac15\ud588\uace0, \uc8fc\ud0dd\ub300\ucd9c\uc740 \uc804\ub144 \ub300\ube44 \uc57d 30% \uc99d\uac00\ud588\ub2e4. \uc774\ub7f0 \uae30\ucd08 \uc218\uc694\ub294 \uc2dc\uc7a5\uc774 \uc774\ubc88 \uc18c\ud3ed \uac15\ud654\ub97c \ud070 \ud63c\ub780 \uc5c6\uc774 \ud761\uc218\ud560 \uc218 \uc788\uc74c\uc744 \ub73b\ud55c\ub2e4.\n\n\uc774\ub7f0 \uc2e0\ud638 \uc870\ud569\uc740 \uc720\ub7fd \uc740\ud589\uacfc \ubd80\ub3d9\uc0b0 \uac19\uc740 \ubd84\uc57c\uc5d0\uc11c \ubcc0\ub3d9\uc131\uc774 \ub0ae\uc744 \uc218 \uc788\uc74c\uc744 \uc2dc\uc0ac\ud55c\ub2e4. \uc720\ub85c STOXX Banks Index \uac19\uc740 \uc9c0\uc218\uc5d0\uc11c \uc2a4\ud2b8\ub798\ub4e4\/\uc2a4\ud2b8\ub7ad\uae00(\uc635\uc158\uc744 \ub3d9\uc2dc\uc5d0 \uc0ac\uace0\ud314\uc544, \uac00\uaca9\uc774 \ud06c\uac8c \uc6c0\uc9c1\uc774\uc9c0 \uc54a\uc73c\uba74 \uc218\uc775\uc744 \ub178\ub9ac\ub294 \uc804\ub7b5\ub85c, \ubcf4\ud1b5 \uc635\uc158\uc744 \u2018\ub9e4\ub3c4\u2019\ud574 \ud504\ub9ac\ubbf8\uc5c4\uc744 \ubc1b\ub294 \ubc29\uc2dd) \ub9e4\ub3c4\ub97c \uace0\ub824\ud560 \ub9cc\ud558\ub2e4. \uc774\ub294 \uc2dc\uc7a5\uc774 \uc774 \uc18c\uc2dd\uc744 \ucc28\ubd84\ud788 \uc18c\ud654\ud560 \uacbd\uc6b0 \uc774\uc775\uc774 \ub0a0 \uc218 \uc788\uc73c\uba70, \ub300\ucd9c \ub370\uc774\ud130\uac00 \uc774\ub97c \ub4b7\ubc1b\uce68\ud55c\ub2e4.\n\n\uac15\ud654 \uacc4\ud68d\uc740 \uae30\uc5c5\ubcf4\ub2e4 \uac00\uacc4\uc5d0 \ub354 \uc9d1\uc911\ub3fc \uc788\uc5b4 \ucc28\uc774\uac00 \uc0dd\uae38 \uc218 \uc788\ub2e4. \uc18c\ube44\uc7ac(\uc0ac\ub78c\ub4e4\uc774 \uc18c\ube44\ud558\ub294 \ubb3c\uac74)\ubcf4\ub2e4 \uae30\uc5c5 \ud22c\uc790\uc640 \uc5f0\uacb0\ub41c \uc5c5\uc885\uc774 \ub354 \ub098\uc740 \ud750\ub984\uc744 \ubcf4\uc77c \uc218 \uc788\ub2e4. \uc635\uc158\uc744 \ud65c\uc6a9\ud574 \uc0b0\uc5c5 \uc139\ud130 ETF(\uc0c1\uc7a5\uc9c0\uc218\ud380\ub4dc, \uc8fc\uc2dd\ucc98\ub7fc \uac70\ub798\ub418\ub294 \ud380\ub4dc)\ub97c \ub9e4\uc218\ud558\uace0, \uc18c\ube44 \uc18c\ub9e4 ETF\ub97c \ub9e4\ub3c4\ud558\ub294 \ud398\uc5b4 \ud2b8\ub808\uc774\ub4dc(\uc11c\ub85c \ubc18\ub300\ub418\ub294 \ub450 \uc790\uc0b0\uc744 \ud568\uaed8 \uac70\ub798\ud574 \uc0c1\ub300 \uc131\uacfc \ucc28\uc774\ub97c \ub178\ub9ac\ub294 \uc804\ub7b5)\uac00 \uc774\ub7f0 \ud750\ub984\uc744 \ub2f4\uc744 \uc218 \uc788\ub2e4.\n\n\n

VT Markets \ub77c\uc774\ube0c \uacc4\uc815\uc744 \ub9cc\ub4e4\uace0 \uc9c0\uae08 \ubc14\ub85c \uac70\ub798<\/a>\ub97c \uc2dc\uc791\ud558\uc138\uc694.<\/b><\/p>\n","protected":false},"excerpt":{"rendered":"

\uc720\ub85c\uc874 \uc740\ud589\ub4e4, 2026\ub144 \uac00\uacc4 \ub300\ucd9c \uae30\uc900\uc744 \uae30\uc5c5\ubcf4\ub2e4 \ub354 \uc870\uc774\ub824 \ud55c\ub2e4. CRR3\u00b7output floor \uaddc\uc81c \uc601\ud5a5. \uc21c\uae34\ucd95 12%(2025\ub144 7%). \ub2e4\ub9cc \uc8fc\ud0dd 10%\ub9cc \uc18c\ud3ed \uac15\ud654, \ub300\ucd9c\ud750\ub984\uc740 \uc99d\uac00. – vtmarkets.com<\/p>\n","protected":false},"author":62,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[71],"tags":[],"class_list":["post-39128","post","type-post","status-publish","format-standard","hentry","category-live-updates"],"acf":{"acf_article_selection_author":null},"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.vtmarkets.com\/kr-asia\/wp-json\/wp\/v2\/posts\/39128","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.vtmarkets.com\/kr-asia\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.vtmarkets.com\/kr-asia\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.vtmarkets.com\/kr-asia\/wp-json\/wp\/v2\/users\/62"}],"replies":[{"embeddable":true,"href":"https:\/\/www.vtmarkets.com\/kr-asia\/wp-json\/wp\/v2\/comments?post=39128"}],"version-history":[{"count":0,"href":"https:\/\/www.vtmarkets.com\/kr-asia\/wp-json\/wp\/v2\/posts\/39128\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.vtmarkets.com\/kr-asia\/wp-json\/wp\/v2\/media?parent=39128"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.vtmarkets.com\/kr-asia\/wp-json\/wp\/v2\/categories?post=39128"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.vtmarkets.com\/kr-asia\/wp-json\/wp\/v2\/tags?post=39128"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}