{"id":45066,"date":"2026-04-20T18:20:33","date_gmt":"2026-04-20T18:20:33","guid":{"rendered":"https:\/\/www.vtmarkets.com\/kr\/uncategorized\/td-%ec%98%81%ea%b5%ad-%ea%b3%a0%ec%9a%a9-%ec%95%88%ec%a0%95%ec%84%b8-%ec%a0%84%eb%a7%9d%ec%8b%a4%ec%97%85%eb%a5%a0-%ec%86%8c%ed%8f%ad-%ed%95%98%eb%9d%bd%c2%b7%ec%9e%84%ea%b8%88-%ec%83%81\/"},"modified":"2026-04-20T18:20:33","modified_gmt":"2026-04-20T18:20:33","slug":"td-%ec%98%81%ea%b5%ad-%ea%b3%a0%ec%9a%a9-%ec%95%88%ec%a0%95%ec%84%b8-%ec%a0%84%eb%a7%9d%ec%8b%a4%ec%97%85%eb%a5%a0-%ec%86%8c%ed%8f%ad-%ed%95%98%eb%9d%bd%c2%b7%ec%9e%84%ea%b8%88-%ec%83%81","status":"publish","type":"post","link":"https:\/\/www.vtmarkets.com\/kr-asia\/live-updates\/td-%ec%98%81%ea%b5%ad-%ea%b3%a0%ec%9a%a9-%ec%95%88%ec%a0%95%ec%84%b8-%ec%a0%84%eb%a7%9d%ec%8b%a4%ec%97%85%eb%a5%a0-%ec%86%8c%ed%8f%ad-%ed%95%98%eb%9d%bd%c2%b7%ec%9e%84%ea%b8%88-%ec%83%81\/","title":{"rendered":"TD, \uc601\uad6d \uace0\uc6a9 \uc548\uc815\uc138 \uc804\ub9dd\u2026\uc2e4\uc5c5\ub960 \uc18c\ud3ed \ud558\ub77d\u00b7\uc784\uae08 \uc0c1\uc2b9\ub960 \ub454\ud654, MPC\ub294 \uae30\ub300\uc778\ud50c\ub808\uc774\uc158 \uba74\ubc00 \uc8fc\uc2dc"},"content":{"rendered":"<p>TD\uc99d\uad8c\uc740 \uc601\uad6d\uc758 2\uc6d4 \uace0\uc6a9\uc9c0\ud45c\uac00 \uc804\ubc18\uc801\uc73c\ub85c **\uc548\uc815\ub418\ub294 \ubaa8\uc2b5**\uc744 \ubcf4\uc77c \uac83\uc73c\ub85c \uc608\uc0c1\ud588\ub2e4. \uc2e4\uc5c5\ub960\uc740 \uc774\uc804 5.2%\uc5d0\uc11c **5.1%\ub85c \uc18c\ud3ed \ud558\ub77d**\ud560 \uc804\ub9dd\uc774\uba70, \uc2dc\uc7a5 \uc608\uc0c1\uce58(5.2%)\ub3c4 \ubc11\ub3c8\ub2e4. \uace0\uc6a9\uc790 \uc218\ub294 **5\ub9cc \uba85 \uc99d\uac00**\ub85c \uc804\ub9dd\ud588\ub294\ub370, \uc774\ub294 \uc2dc\uc7a5 \uc608\uc0c1(3\ub9cc5,000\uba85)\ubcf4\ub2e4 \ub192\uace0 \uc9c1\uc804\uce58(8\ub9cc4,000\uba85)\ubcf4\ub2e4\ub294 \ub0ae\ub2e4.<\/p>\n<p>\uc784\uae08 \uc0c1\uc2b9\ub960\uc740 \uc9c0\ud45c \uc804\ubc18\uc5d0\uc11c **\ub454\ud654**\ud560 \uac83\uc73c\ub85c \ubd24\ub2e4. TD\uc99d\uad8c\uc740 **AWE(\uc8fc\ub2f9 \ud3c9\uade0\uc784\uae08, Average Weekly Earnings)**\uac00 **3.6%(3\uac1c\uc6d4 \ub204\uc801 \uae30\uc900 \uc804\ub144 \ub300\ube44)**, **\ubcf4\ub108\uc2a4 \uc81c\uc678 AWE**\ub294 **3.5%(3\uac1c\uc6d4 \ub204\uc801 \uae30\uc900 \uc804\ub144 \ub300\ube44)**, **\ubbfc\uac04 \ubd80\ubb38 \uc784\uae08 \uc99d\uac00\uc728**\uc740 **3.2%(3\uac1c\uc6d4 \ub204\uc801 \uae30\uc900 \uc804\ub144 \ub300\ube44)**\ub85c \uc81c\uc2dc\ud588\uc73c\uba70, \uc774\ub294 \uc2dc\uc7a5 \uc804\ub9dd(\ucee8\uc13c\uc11c\uc2a4)\uacfc \ube44\uc2b7\ud55c \uc218\uc900\uc774\ub2e4.<\/p>\n<h3>Monetary Policy Implications<\/h3>\n<p>\ud574\ub2f9 \uc218\uce58\ub294 \uc774\ub780 \ubd84\uc7c1 \uc774\uc804\uc758 \uc790\ub8cc\uc774\uace0 \uace0\uc6a9\uc9c0\ud45c\ub294 \uacbd\uae30 \ubcc0\ud654\ub97c **\ub2a6\uac8c \ubc18\uc601(\uc2dc\ucc28\uac00 \ud07c)**\ud558\ub294 \uacbd\ud5a5\uc774 \uc788\uc5b4, TD\uc99d\uad8c\uc740 \uc601\ub780\uc740\ud589 **MPC(\ud1b5\ud654\uc815\ucc45\uc704\uc6d0\ud68c, \uae08\ub9ac\ub97c \uacb0\uc815\ud558\ub294 \uc704\uc6d0\ud68c)**\uac00 \ub2f9\uc7a5\uc758 \uc784\uae08 \ud750\ub984\ubcf4\ub2e4 **\uc778\ud50c\ub808\uc774\uc158 \uae30\ub300(\ud5a5\ud6c4 \ubb3c\uac00\uac00 \uc624\ub97c \uac83\uc774\ub77c\ub294 \uac00\uacc4\u00b7\uae30\uc5c5\uc758 \uc608\uc0c1)**\uc5d0 \ub354 \ube44\uc911\uc744 \ub458 \uc218 \uc788\ub2e4\uace0 \ubd24\ub2e4. \ub610\ud55c \uc774 \uae30\uc0ac\ub294 **AI \ub3c4\uad6c**\uc758 \ub3c4\uc6c0\uc744 \ubc1b\uc544 \uc791\uc131\ub410\uace0 \ud3b8\uc9d1\uc790 \uac80\ud1a0\ub97c \uac70\ucce4\ub2e4\uace0 \uc804\ud588\ub2e4.<\/p>\n<p>\ucd5c\uadfc \ubd84\uc7c1\uc73c\ub85c \uc5d0\ub108\uc9c0 \uc2dc\uc7a5\uc774 \uae09\ubcc0\ud558\uba74\uc11c **\ube0c\ub80c\ud2b8\uc720 \uc120\ubb3c(\ubbf8\ub798 \uc778\ub3c4 \uc2dc\uc810\uc744 \uc815\ud574 \uac70\ub798\ud558\ub294 \uc6d0\uc720 \uacc4\uc57d)**\uc774 \ubc30\ub7f4\ub2f9 110\ub2ec\ub7ec\ub97c \ub118\uc5b4 2022\ub144 \ub9d0 \uc774\ud6c4 \ucc98\uc74c\uc73c\ub85c \uae09\ub4f1\ud588\ub2e4. \uc774\uc5d0 \ub530\ub77c \uc601\uad6d\uc758 \ubb3c\uac00 \uae30\ub300\ub3c4 \ub6f0\uc5c8\uace0, 4\uc6d4 YouGov \uc124\ubb38\uc5d0\uc11c\ub294 **5\ub144 \uae30\ub300 \uc778\ud50c\ub808\uc774\uc158**\uc774 4.2%\ub85c \uc62c\ub77c\uc130\ub2e4. \uc774\ub85c \uc778\ud574 MPC\ub294 \uc784\uae08 \uc9c0\ud45c\ubcf4\ub2e4 **\ubb3c\uac00 \ub300\uc751**\uc5d0 \ucd08\uc810\uc744 \ub9de\ucd9c \uc218\ubc16\uc5d0 \uc5c6\ub2e4\ub294 \ud3c9\uac00\ub2e4.<\/p>\n<p>TD\uc99d\uad8c\uc740 \uc601\uad6d \uae08\ub9ac \uacbd\ub85c\uc758 \ubd88\ud655\uc2e4\uc131\uc774 \ucee4\uc9c0\uba74\uc11c \ud575\uc2ec \uac70\ub798 \uc544\uc774\ub514\uc5b4\ub294 **\ubcc0\ub3d9\uc131(\uac00\uaca9\uc774 \ud06c\uac8c \uc624\ub974\ub0b4\ub9ac\ub294 \uc815\ub3c4)**\uc5d0 \uc788\ub2e4\uace0 \ubd24\ub2e4. **3\uac1c\uc6d4\ubb3c \ud30c\uc6b4\ub4dc \uc635\uc158(\uc815\ud574\uc9c4 \uae30\uac04 \uc548\uc5d0 \ubbf8\ub9ac \uc815\ud55c \uac00\uaca9\uc73c\ub85c \uc0ac\uace0\ud314 \uad8c\ub9ac)**\uc758 **\ub0b4\uc7ac\ubcc0\ub3d9\uc131(\uc635\uc158 \uac00\uaca9\uc5d0 \ubc18\uc601\ub41c \uc2dc\uc7a5\uc758 \ubcc0\ub3d9\uc131 \uc608\uc0c1\uce58)**\uc740 \uc774\ubbf8 2022\ub144 \u2018\ubbf8\ub2c8\uc608\uc0b0\u2019 \uc704\uae30 \ub2f9\uc2dc\ub97c \ub5a0\uc62c\ub9ac\uac8c \ud558\ub294 \uc218\uc900\uae4c\uc9c0 \uae09\ub4f1\ud588\ub2e4. \uc911\uc559\uc740\ud589\uc774 \uacbd\uae30 \ub454\ud654 \uac00\ub2a5\uc131\uacfc \uc0c8\ub85c\uc6b4 \ubb3c\uac00 \ucda9\uaca9 \uc0ac\uc774\uc5d0 \ub07c\uc778 \ub9cc\ud07c, \uc2dc\uc7a5 \ucc38\uc5ec\uc790\ub4e4\uc740 \ud070 \uac00\uaca9 \ubcc0\ub3d9\uc5d0\uc11c \uc774\uc775\uc744 \ub178\ub9ac\ub294 \uc804\ub7b5\uc744 \uac80\ud1a0\ud560 \ud544\uc694\uac00 \uc788\ub2e4\uace0 \ubc1d\ud614\ub2e4.<\/p>\n<h3>Rates Market Repricing<\/h3>\n<p>\uae08\ub9ac \uc120\ubb3c\uc2dc\uc7a5\uc740 \ucd5c\uadfc \uba87 \uc8fc \uc0ac\uc774 \uac00\uaca9\uc774 \ud06c\uac8c \ubc14\ub00c\uc5c8\ub2e4. \uc2dc\uc7a5\uc740 2026\ub144 \uae08\ub9ac \uc778\ud558 \uac00\ub2a5\uc131\uc744 \uc0ac\uc2e4\uc0c1 \uc5c6\uc574\uace0, 8\uc6d4\uae4c\uc9c0 \ucd94\uac00 \uc778\uc0c1 \uac00\ub2a5\uc131\uc744 **40%**\ub85c \ubc18\uc601\ud558\uace0 \uc788\ub2e4. \uc774\ub294 \uae08\ub9ac\uac00 **\u2018\ub354 \uc624\ub798 \ub192\uc740 \uc218\uc900\uc744 \uc720\uc9c0(higher for longer)\u2019**\ud560 \uc218 \uc788\ub2e4\ub294 \uc804\uc81c\uc5d0 \ub9de\ucdb0, **SONIA \uc120\ubb3c(\uc601\uad6d \ubb34\ub2f4\ubcf4 \uc775\uc77c\uae08\ub9ac\uc778 SONIA\ub97c \uae30\ucd08\ub85c \ud55c \uae08\ub9ac \uc120\ubb3c)**\uc744 \ud65c\uc6a9\ud558\uac70\ub098 **\uae08\ub9ac\uc2a4\uc651(\ubcc0\ub3d9\uae08\ub9ac\uc640 \uace0\uc815\uae08\ub9ac\ub97c \uad50\ud658\ud558\ub294 \uacc4\uc57d)**\uc5d0\uc11c **\uace0\uc815\uae08\ub9ac \uc9c0\uae09(pay fixed: \uace0\uc815\uae08\ub9ac\ub97c \ub0b4\uace0 \ubcc0\ub3d9\uae08\ub9ac\ub97c \ubc1b\ub294 \ud3ec\uc9c0\uc158)**\uc744 \ucde8\ud574 \ucc28\uc785\ube44\uc6a9 \uc0c1\uc2b9\uc5d0 \ub300\ube44\ud558\ub294 \uc804\ub7b5\uc774 \uac70\ub860\ub41c\ub2e4\ub294 \uc758\ubbf8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc601\uad6d 2\uc6d4 \uace0\uc6a9 \u2018\uc548\uc815\u2019, \uc2e4\uc5c5\ub960 5.1%\ub85c \ud558\ub77d \uc804\ub9dd. \uc784\uae08\uc740 \ub454\ud654\ud558\uc9c0\ub9cc \uc720\uac00 \uae09\ub4f1\uc5d0 \uae30\ub300\uc778\ud50c\ub808\u2191\u2026BoE\ub294 \ubb3c\uac00 \ub300\uc751 \uc9d1\uc911. \uae08\ub9ac \uc7ac\uac00\uaca9\u00b7\uc635\uc158 \ubcc0\ub3d9\uc131 \uae09\ub4f1, higher-for-longer \ubca0\ud305.<\/p>\n","protected":false},"author":87,"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-45066","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\/45066","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\/87"}],"replies":[{"embeddable":true,"href":"https:\/\/www.vtmarkets.com\/kr-asia\/wp-json\/wp\/v2\/comments?post=45066"}],"version-history":[{"count":0,"href":"https:\/\/www.vtmarkets.com\/kr-asia\/wp-json\/wp\/v2\/posts\/45066\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.vtmarkets.com\/kr-asia\/wp-json\/wp\/v2\/media?parent=45066"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.vtmarkets.com\/kr-asia\/wp-json\/wp\/v2\/categories?post=45066"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.vtmarkets.com\/kr-asia\/wp-json\/wp\/v2\/tags?post=45066"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}