{"id":54102,"date":"2026-09-11T09:05:36","date_gmt":"2026-09-11T09:05:36","guid":{"rendered":"https:\/\/www.vtmarkets.com\/kr-asia\/uncategorized\/premium-at-what-cost-unhs-recovery-faces-an-optum-health-test\/"},"modified":"2026-09-11T09:05:36","modified_gmt":"2026-09-11T09:05:36","slug":"premium-at-what-cost-unhs-recovery-faces-an-optum-health-test","status":"publish","type":"post","link":"https:\/\/www.vtmarkets.com\/kr-asia\/featured\/premium-at-what-cost-unhs-recovery-faces-an-optum-health-test\/","title":{"rendered":"\ud504\ub9ac\ubbf8\uc5c4\uc758 \ub300\uac00\ub294? \uc720\ub098\uc774\ud2f0\ub4dc\ud5ec\uc2a4(UNH) \ubc18\ub4f1, \uc635\ud140\ud5ec\uc2a4 \uc2dc\ud5d8\ub300\uc5d0"},"content":{"rendered":"<figure class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1250\" height=\"700\" src=\"https:\/\/www.vtmarkets.com\/kr-asia\/wp-content\/uploads\/sites\/5\/2026\/09\/UHC.webp\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.vtmarkets.com\/kr-asia\/wp-content\/uploads\/sites\/5\/2026\/09\/UHC.webp 1250w, https:\/\/www.vtmarkets.com\/kr-asia\/wp-content\/uploads\/sites\/5\/2026\/09\/UHC-300x168.webp 300w, https:\/\/www.vtmarkets.com\/kr-asia\/wp-content\/uploads\/sites\/5\/2026\/09\/UHC-1024x573.webp 1024w, https:\/\/www.vtmarkets.com\/kr-asia\/wp-content\/uploads\/sites\/5\/2026\/09\/UHC-768x430.webp 768w, https:\/\/www.vtmarkets.com\/kr-asia\/wp-content\/uploads\/sites\/5\/2026\/09\/UHC-500x280.webp 500w, https:\/\/www.vtmarkets.com\/kr-asia\/wp-content\/uploads\/sites\/5\/2026\/09\/UHC-400x224.webp 400w, https:\/\/www.vtmarkets.com\/kr-asia\/wp-content\/uploads\/sites\/5\/2026\/09\/UHC-350x196.webp 350w, https:\/\/www.vtmarkets.com\/kr-asia\/wp-content\/uploads\/sites\/5\/2026\/09\/UHC-200x112.webp 200w\" sizes=\"auto, (max-width: 1250px) 100vw, 1250px\" \/><\/figure>\n\n\n<p class=\"wp-block-paragraph\">\uc720\ub098\uc774\ud2f0\ub4dc\ud5ec\uc2a4(UNH)\ub294 2026\ub144\uc744 \ud68c\ubcf5 \uad6d\uba74\uc5d0\uc11c \uc2dc\uc791\ud588\ub2e4. \uc2e4\uc801\uc774 \uac1c\uc120\ub410\uace0, \ud68c\uc0ac\ub294 \uc5f0\uac04 \uc804\ub9dd(\uac00\uc774\ub358\uc2a4\u00b7\ud5a5\ud6c4 \uc2e4\uc801 \uc608\uc0c1\uce58)\uc744 \uc0c1\ud5a5\ud588\uc73c\uba70, \uc758\ub8cc\ube44 \ubd80\ub2f4\ub3c4 \ub0ae\uc544\uc9c0\uae30 \uc2dc\uc791\ud588\ub2e4. \ub2e4\ub9cc 9\uc6d4 9\uc77c \uc635\ud140\ud5ec\uc2a4(Optum Health) \uc9c0\ubd84 \uc77c\ubd80\ub97c \ub9e4\uac01\ud558\uba74\uc11c, \uc8fc\uac00\uc5d0 \uc774\ubbf8 \ubc18\uc601\ub41c \uae30\ub300\ub97c \uc774 \ud68c\ubcf5\uc138\uac00 \ub4b7\ubc1b\uce68\ud560 \uc218 \uc788\ub294\uc9c0\uac00 \ub2e4\uc2dc \uc7c1\uc810\uc774 \ub410\ub2e4.<\/p>\n\n\n\n<script type=\"module\" src=\"https:\/\/widgets.tradingview-widget.com\/w\/en\/tv-mini-chart.js\"><\/script>\n\n<tv-mini-chart symbol=\"NYSE:UNH\" time-frame=\"7D\"><\/tv-mini-chart><br>\n\n\n\n<p class=\"wp-block-paragraph\">\ubb38\uc81c\uac00 \ubd88\uac70\uc84c\ub358 \uc635\ud140\ud5ec\uc2a4 \uc0ac\uc5c5\uc5d0\uc11c \uc9c0\ubd84\uc744 \ub9e4\uac01\ud55c \uc601\ud5a5\uc73c\ub85c <a href=\"https:\/\/finance.yahoo.com\/healthcare\/articles\/unitedhealth-slips-3-tpg-buys-144014218.html\" target=\"_blank\" rel=\"noopener nofollow\">\uc8fc\uac00\ub294 \uc57d 3% \ud558\ub77d<\/a>\ud588\ub2e4. \ud68c\ubcf5\ub41c \ubd80\ubd84\uacfc \ud22c\uc790\uc790\ub4e4\uc774 \uc5ec\uc804\ud788 \ud655\uc778\ud558\ub824\ub294 \ubd80\ubd84 \uc0ac\uc774\uc758 \uac04\uadf9\uc774 \ub4dc\ub7ec\ub09c \uc148\uc774\ub2e4. UNH\uc758 \ubcf4\ud5d8 \uc0ac\uc5c5\uc740 \uc548\uc815\ub410\uc9c0\ub9cc, \uc2dc\uc7a5\uc5d0\uc11c \ubc1b\ub294 \ub192\uc740 \ubc38\ub958\uc5d0\uc774\uc158(\uc8fc\uac00\uac00 \uc2e4\uc801 \ub300\ube44 \ub192\uac8c \ud3c9\uac00\ub418\ub294 \uac83)\uc740 \uc635\ud140\ud5ec\uc2a4\uac00 \ub2e4\uc74c \uc131\uc7a5 \ub2e8\uacc4\ub97c \ubcf4\uc5ec\uc904 \uc218 \uc788\ub294\uc9c0\uc5d0 \ub2ec\ub824 \uc788\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>UNH \ud68c\ubcf5\uc758 \ucd9c\ubc1c\uc810\uc740 \uc758\ub8cc\ube44<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uac74\uac15\ubcf4\ud5d8\uc0ac(\uad00\ub9ac\ud615 \uc758\ub8cc\u00b7\ubcf4\ud5d8\uc0ac\uac00 \uc9c4\ub8cc \uc774\uc6a9\uc744 \uad00\ub9ac\ud574 \ube44\uc6a9\uc744 \ud1b5\uc81c\ud558\ub294 \ubaa8\ub378)\uc5d0\uc11c \uc758\ub8cc\ube44\uc728(MCR\u00b7Medical Cost Ratio)\uc740 \ubcf4\ud5d8\ub8cc \uc218\uc785(\ud504\ub9ac\ubbf8\uc5c4) \uac00\uc6b4\ub370 \uc2e4\uc81c \uc758\ub8cc\ube44 \uccad\uad6c(\ud074\ub808\uc784)\ub85c \ub098\uac04 \ube44\uc911\uc744 \ub73b\ud55c\ub2e4. \uc774 \ube44\uc728\uc774 \ub0ae\uc744\uc218\ub85d \ubcf4\ud5d8\uc0ac\uac00 \ub0a8\uae30\ub294 \uc774\uc775\uc774 \ucee4\uc9c4\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">UNH\uc5d0\uc11c\ub294 \ud32c\ub370\ubbf9 \uc774\ud6c4 \uae09\uc99d\ud588\ub358 \ube44\uc6a9\uc774 \ub418\ub3cc\uc544\uc11c\ub294\uc9c0 \ud655\uc778\ud558\ub294 \uac00\uc7a5 \ubd84\uba85\ud55c \uc9c0\ud45c\uac00 MCR\uc774\uc5c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">MCR\uc740 <a href=\"https:\/\/www.businesswire.com\/news\/home\/20260716830877\/en\/UnitedHealth-Group-Reports-Second-Quarter-2026-Results\" target=\"_blank\" rel=\"noopener nofollow\">2025\ub144 2\ubd84\uae30 89.4%<\/a>\uae4c\uc9c0 \uce58\uc19f\uc558\ub2e4. \uc774\ub294 \uc218\uc775\uc131(\ub9c8\uc9c4)\uc744 \uc555\ubc15\ud588\uace0, \uc8fc\uac00\ub3c4 2024\ub144 \uace0\uc810(\uc57d 600\ub2ec\ub7ec) \ub300\ube44 <a href=\"https:\/\/www.reuters.com\/business\/healthcare-pharmaceuticals\/unitedhealth-signals-prolonged-pain-with-new-far-lower-profit-forecast-shares-2025-07-29\/\" target=\"_blank\" rel=\"noopener nofollow\">40% \uc774\uc0c1 \ud558\ub77d<\/a>\ud558\ub294 \ub370 \uc601\ud5a5\uc744 \ubbf8\ucce4\ub2e4. \uc5c5\uacc4 \uc804\ubc18\ub3c4 \uc9c4\ub8cc \uc774\uc6a9(\uc758\ub8cc \uc774\uc6a9\ub960)\uc774 \ub298\uba70 \ube44\uc2b7\ud55c \uc555\ub825\uc744 \ubc1b\uc558\uc9c0\ub9cc, UNH\ub294 \uaddc\ubaa8\uac00 \ud070 \ub9cc\ud07c \ub178\ucd9c\ub3c4\ub3c4 \ucef8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2026\ub144 \uc0c1\ubc18\uae30 MCR\uc740 <a href=\"https:\/\/finance.yahoo.com\/markets\/stocks\/articles\/unitedhealth-stock-rises-39-6-160400759.html\" target=\"_blank\" rel=\"noopener nofollow\">\uc804\ub144 87.1%\uc5d0\uc11c 85.3%\ub85c \uac1c\uc120<\/a>\ub410\ub2e4. \uc8fc\uac00 \ubc18\ub4f1\uc758 \uc0c1\ub2f9 \ubd80\ubd84\uc740 \uc774 \ud68c\ubcf5\uc5d0\uc11c \ube44\ub86f\ub410\ub2e4. \uadf8\ub798\uc11c 9\uc6d4\uc758 \ud558\ub77d\uc774 \uc911\uc694\ud588\ub2e4. \uc774\uc81c \uc2dc\uc7a5\uc740 \ube44\uc6a9 \uc815\uc0c1\ud654\ub9cc\uc774 \uc544\ub2c8\ub77c, \uc8fc\uac00\uc5d0 \ubc18\uc601\ub41c \u2018\ud504\ub9ac\ubbf8\uc5c4\u2019\uc744 \uc815\ub2f9\ud654\ud560 \uace0\ubd80\uac00 \uc0ac\uc5c5\uc774 \uc2e4\uc81c\ub85c \uc131\uacfc\ub97c \ub0bc \uc218 \uc788\ub294\uc9c0\ub85c \uc2dc\uc120\uc744 \uc62e\uae30\uace0 \uc788\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ubcf4\ud5d8 \uc0ac\uc5c5\uc740 \ud68c\ubcf5 \uada4\ub3c4\uc5d0 \uc62c\ub77c\uc130\ub2e4<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">UNH\uc758 \ud575\uc2ec \ubcf4\ud5d8 \uc0ac\uc5c5\uc774 \uac1c\uc120\ub418\uace0 \uc788\ub294 \uac83\uc740 \uc0ac\uc2e4\uc774\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">MCR\uc740 <a href=\"https:\/\/www.techtimes.com\/articles\/320782\/20260716\/unitedhealth-shatters-estimates-ai-trims-medical-costs-270-basis-points.htm\" target=\"_blank\" rel=\"noopener nofollow\">2026\ub144 2\ubd84\uae30 270bp(\ubca0\uc774\uc2dc\uc2a4\ud3ec\uc778\ud2b8\u00b70.01%\ud3ec\uc778\ud2b8) \ud558\ub77d<\/a>\ud588\uace0, \ud68c\uc0ac\ub294 \uc5f0\uac04 \uc870\uc815 EPS(\uc8fc\ub2f9\uc21c\uc774\uc775\u00b7\uc77c\ud68c\uc131 \uc694\uc778\uc744 \ube80 \uc2e4\uc801 \uc9c0\ud45c) \uac00\uc774\ub358\uc2a4\ub97c 19.50~20.00\ub2ec\ub7ec\ub85c \uc0c1\ud5a5\ud588\ub2e4. \uc911\uac04\uac12 \uae30\uc900\uc73c\ub85c \uc804\ub144 \ub300\ube44 \uc774\uc775\uc774 \uc57d 21% \ub298\uc5b4\ub098\ub294 \uc218\uc900\uc774\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc8fc\uc8fc\ud658\uc6d0(\ubc8c\uc5b4\ub4e4\uc778 \ud604\uae08\uc744 \uc8fc\uc8fc\uc5d0\uac8c \ub3cc\ub824\uc8fc\ub294 \uc815\ucc45)\ub3c4 \uc774\ub97c \ub4b7\ubc1b\uce68\ud55c\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>2026\ub144 7\uc6d4 \uc911\uc21c\uae4c\uc9c0 \uc790\uc0ac\uc8fc \ub9e4\uc785(\uc8fc\uac00\ub97c \ubc1b\uccd0 \uc8fc\uace0 \uc8fc\ub2f9\uac00\uce58\ub97c \ub192\uc774\ub294 \ubc29\uc2dd) <strong>40\uc5b5\ub2ec\ub7ec<\/strong> \uc9d1\ud589, \uc5f0\uac04 <a href=\"https:\/\/finance.yahoo.com\/healthcare\/articles\/5-billion-reason-buy-unitedhealth-180459988.html\" target=\"_blank\" rel=\"noopener nofollow\">\ucd5c\uc18c 50\uc5b5\ub2ec\ub7ec<\/a> \ubaa9\ud45c<\/li>\n\n\n\n<li>2026\ub144 \uc0c1\ubc18\uae30 \ubc30\ub2f9\uae08 <strong>41\uc5b5\ub2ec\ub7ec<\/strong> \uc9c0\uae09<\/li>\n\n\n\n<li>\uc790\uc0ac\uc8fc \ub9e4\uc785 \ud55c\ub3c4\ub97c \ub450 \ubc30\ub85c \ub298\ub824, \ud604\uae08 \ucc3d\ucd9c(\ud604\uae08\ud750\ub984) \uc790\uc2e0\uac10\uc744 \uc2dc\uc0ac<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ub2e4\ub9cc \ud68c\ubcf5\uc740 \ubcf4\ud5d8 \ubd80\ubb38\uc5d0 \uc9d1\uc911\ub3fc \uc788\ub2e4. \ubc38\ub958\uc5d0\uc774\uc158\uc758 \ub2e4\uc74c \ub2e8\uacc4\ub294 \uc635\ud140\uc5d0 \ub2ec\ub824 \uc788\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ubcf4\ud5d8\uc744 \ub118\uc5b4\uc11c\ub294 UNH\uc758 \uac00\uce58<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc635\ud140\uc740 UNH\uac00 \uc804\ud1b5 \ubcf4\ud5d8\uc0ac\ubcf4\ub2e4 \ub192\uc740 \ud3c9\uac00\ub97c \ubc1b\ub294 \ud575\uc2ec \uc774\uc720\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc635\ud140\uc740 <a href=\"https:\/\/www.sec.gov\/Archives\/edgar\/data\/731766\/000073176626000191\/uhgearnings_q22026vpower.htm\" target=\"_blank\" rel=\"noopener nofollow\">2026\ub144 2\ubd84\uae30 \ub9e4\ucd9c 657\uc5b5\ub2ec\ub7ec<\/a>, \uc601\uc5c5\uc774\uc775 40\uc5b5\ub2ec\ub7ec\ub97c \ub0c8\ub2e4. \ucc98\ubc29\uc57d \uc720\ud1b5\u00b7\uad00\ub9ac(OptumRx)\uc640 \ub370\uc774\ud130\u00b7\ucee8\uc124\ud305(Optum Insight)\uc758 \uacac\uc870\ud568\uc774 \ub4b7\ubc1b\uce68\ud588\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774\ub4e4 \uc0ac\uc5c5\uc740 \ubcf4\ud5d8\uc744 \ub118\uc5b4 \uc57d\uad6d\u00b7\uc81c\uc57d \uc720\ud1b5 \uc11c\ube44\uc2a4, \uc758\ub8cc \ub370\uc774\ud130, IT \uc778\ud504\ub77c(\uc2dc\uc2a4\ud15c \uae30\ubc18)\ub85c UNH\uc758 \uc0ac\uc5c5 \ubc94\uc704\ub97c \ub113\ud78c\ub2e4. \ud22c\uc790\uc790\ub4e4\uc774 UNH\ub97c \uc804\ud1b5 \uad00\ub9ac\ud615 \uc758\ub8cc \uc5c5\uccb4\uc640 \ub2e4\ub974\uac8c \ud3c9\uac00\ud558\ub294 \ubc30\uacbd\uc774\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ubb38\uc81c\ub294 \uc635\ud140 \ub0b4 \uc0ac\uc5c5\ub4e4\uc774 \uac19\uc740 \uc18d\ub3c4\ub85c \ud68c\ubcf5\ub418\uc9c0 \uc54a\ub294\ub2e4\ub294 \uc810\uc774\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc635\ud140\ud5ec\uc2a4\uac00 \ub0a8\uc740 \uacfc\uc81c<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uc555\ubc15\uc740 \uc635\ud140\ud5ec\uc2a4\uc758 \uc9c4\ub8cc \uc81c\uacf5(\ubcd1\uc6d0\u00b7\ud074\ub9ac\ub2c9 \uc6b4\uc601 \ub4f1) \uc0ac\uc5c5\uc5d0 \uc9d1\uc911\ub3fc \uc788\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">UNH\ub294 2026\ub144 1\uc6d4 \uc774\ubbf8 <a href=\"https:\/\/www.forbes.com\/sites\/brucejapsen\/2026\/01\/27\/for-unitedhealths-optum-its-back-to-basics-with-smaller-footprint\/\" target=\"_blank\" rel=\"noopener nofollow\">\uc635\ud140\ud5ec\uc2a4 \uad6c\uc870\uc870\uc815<\/a>\uc744 \uc608\uace0\ud588\ub2e4. \uc2e4\uc801\uc774 \ubd80\uc9c4\ud55c \uc9c0\uc5ed\uc5d0\uc11c \uaddc\ubaa8\ub97c \uc904\uc774\uace0, \uac00\uce58 \uae30\ubc18 \uc9c4\ub8cc(Value-based care\u00b7\uc9c4\ub8cc\ub7c9\uc774 \uc544\ub2c8\ub77c \uce58\ub8cc \uc131\uacfc\/\ube44\uc6a9 \ud6a8\uc728\uc5d0 \ub530\ub77c \ubcf4\uc0c1\ud558\ub294 \ubc29\uc2dd) \ubaa8\ub378\uacfc \ub9de\uc9c0 \uc54a\ub294 \uc758\ub8cc\uae30\uad00 \uacc4\uc57d\uc744 \uc815\ub9ac\ud558\ub294 \ub0b4\uc6a9\uc774\ub2e4. 9\uc6d4\uc758 <a href=\"https:\/\/www.bloomberg.com\/news\/articles\/2026-09-09\/unitedhealth-sells-interest-in-florida-wellmed-clinics-to-tpg\" target=\"_blank\" rel=\"noopener nofollow\">TPG\uc640\uc758 \ud30c\ud2b8\ub108\uc2ed<\/a>\ub3c4 \uac19\uc740 \ud750\ub984\uc774\ub2e4. \ubaa8\ub4e0 \ud074\ub9ac\ub2c9 \ub124\ud2b8\uc6cc\ud06c\ub97c \uc9c1\uc811 \uc6b4\uc601\ud558\uae30\ubcf4\ub2e4, \ud2b9\uc815 \uc9c0\uc5ed\uc740 \uc804\ubb38 \ud30c\ud2b8\ub108\uc640 \ud568\uaed8 \uc6b4\uc601\ud558\uba74\uc11c UNH\ub294 \uc9c0\ubd84\uc744 \ubcf4\uc720\ud574 \uc131\uacfc\uc5d0 \ucc38\uc5ec\ud558\ub294 \ubc29\uc2dd\uc774\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-rich is-provider-x wp-block-embed-x\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"twitter-tweet\" data-width=\"500\" data-dnt=\"true\"><p lang=\"en\" dir=\"ltr\"><a href=\"https:\/\/x.com\/search?q=%24UNH&amp;src=ctag&amp;ref_src=twsrc%5Etfw\">$UNH<\/a> UnitedHealth has sold an interest in some of its Florida WellMed\/Optum Health clinics to private-equity firm TPG, as it works to recover from last year\u2019s profit collapse.<br><br>CFO Wayne DeVeydt said the deal isn\u2019t about raising cash, but bringing in a local partner that can help\u2026 <a href=\"https:\/\/t.co\/sjiU48PYgV\">pic.twitter.com\/sjiU48PYgV<\/a><\/p>&mdash; Sam Badawi (@Sam_Badawi) <a href=\"https:\/\/x.com\/Sam_Badawi\/status\/2097514305042419833?ref_src=twsrc%5Etfw\">September 9, 2026<\/a><\/blockquote><script async src=\"https:\/\/platform.x.com\/widgets.js\" charset=\"utf-8\"><\/script>\n<\/div><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\uc6e8\uc778 \ub4dc\ubca0\uc774\ub354\ud2b8 CFO\ub294 \uc774\ubc88 \uac70\ub798\ub97c \uc790\uae08 \uc870\ub2ec(\uce90\ud53c\ud138 \ub808\uc774\uc988\u00b7\uc678\ubd80\uc5d0\uc11c \ub3c8\uc744 \ub04c\uc5b4\uc624\ub294 \uac83)\uc774\ub77c\uae30\ubcf4\ub2e4 \u2018\uc9c0\uc5ed \ud30c\ud2b8\ub108\uc2ed\u2019\uc73c\ub85c \uc124\uba85\ud588\ub2e4. \uc6b4\uc601\uc774 \ud544\uc694\ud55c \ubd80\ubb38\uc5d0 \ud604\uc7a5 \uc911\uc2ec\uc758 \uc2e4\ud589\ub825\uc744 \ub354\ud558\ub824\ub294 \ucde8\uc9c0\ub77c\ub294 \uac83\uc774\ub2e4. \uc774\ub294 \uc635\ud140 CEO \ud328\ud2b8\ub9ad \ucf58\uc6e8\uc774 \ubc15\uc0ac\uac00 \u201c\uc131\uacf5\ud560 \uc218 \uc788\ub294 \uc778\ud504\ub77c\uac00 \uac16\ucdb0\uc9c4 \uc2dc\uc7a5\uc5d0 \uc9d1\uc911\ud558\uaca0\ub2e4\u201d\uace0 \ud588\ub358 \uae30\uc874 \uba54\uc2dc\uc9c0\uc640\ub3c4 \ub9de\ub2ff\uc544 \uc788\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774 \uc6c0\uc9c1\uc784\uc740 \ub450 \uac00\uc9c0\ub85c \ud574\uc11d\ub420 \uc218 \uc788\ub2e4. \ubd80\uc9c4 \uc0ac\uc5c5\uc744 \ube60\ub974\uac8c \uac1c\uc120\ud558\uae30 \uc704\ud55c \uc790\ubcf8 \ubc30\ubd84(\ub3c8\uc744 \uc5b4\ub514\uc5d0 \uc4f8\uc9c0 \uacb0\uc815\ud558\ub294 \uac83)\uc774\ub77c\ub294 \ud574\uc11d, \ub610\ub294 \uc635\ud140\ud5ec\uc2a4\uac00 \uc2dc\uc7a5 \uc608\uc0c1\ubcf4\ub2e4 \ub354 \ud070 \uc9c0\uc6d0\uc774 \ud544\uc694\ud558\ub2e4\ub294 \uc2e0\ud638\ub77c\ub294 \ud574\uc11d\uc774\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc5b4\ub290 \ucabd\uc774\ub4e0 \uacb0\ub860\uc740 \uac19\ub2e4. \uc635\ud140\ud5ec\uc2a4\uac00 UNH\uc758 \u2018\ud504\ub9ac\ubbf8\uc5c4\u2019 \uc9c0\uc18d \uc5ec\ubd80\ub97c \uc88c\uc6b0\ud558\ub294 \uc911\uc2ec \ubcc0\uc218\ub85c \uc62c\ub77c\uc130\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>UNH\uc758 \ud504\ub9ac\ubbf8\uc5c4 \ubc38\ub958\uc5d0\uc774\uc158\uc774 \uc694\uad6c\ud558\ub294 \uac83<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">UNH\ub294 \uc5c5\uc885 \ud3c9\uade0\ubcf4\ub2e4 \ub192\uc740 \ubc38\ub958\uc5d0\uc774\uc158\uc744 \ubc1b\uace0 \uc788\ub2e4. \uc774\ub294 \ubcf4\ud5d8 \uc0ac\uc5c5\ub9cc\uc758 \uac12\uc774 \uc544\ub2c8\ub2e4. \ubcf4\ud5d8 \uaddc\ubaa8\uc5d0 \ub354\ud574 \uc635\ud140\uc744 \ud1b5\ud574 \uc57d\uad6d \uc11c\ube44\uc2a4, \ub370\uc774\ud130 \uc5ed\ub7c9, \uc758\ub8cc \uc11c\ube44\uc2a4 \ud50c\ub7ab\ud3fc\uc744 \ud568\uaed8 \ubcf4\uc720\ud55c \ud68c\uc0ac\ub77c\ub294 \uae30\ub300\uac00 \ubc18\uc601\ub3fc \uc788\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub2e4\ub9cc \ub192\uc740 \uba40\ud2f0\ud50c(\uc774\uc775 \ub300\ube44 \uc8fc\uac00 \uc218\uc900\uc744 \ub098\ud0c0\ub0b4\ub294 \ubc30\uc218)\uc740 \uc9c0\uc5f0\uc744 \ud5c8\uc6a9\ud558\uc9c0 \uc54a\ub294\ub2e4. \uc2dc\uc7a5\uc740 \uc774\uc81c \uc758\ub8cc\ube44\uac00 \ub0b4\ub824\uac00\ub290\ub0d0\ub9cc \ubcf4\uc9c0 \uc54a\ub294\ub2e4. \ud504\ub9ac\ubbf8\uc5c4\uc744 \uc815\ub2f9\ud654\ud558\ub294 \uc0ac\uc5c5\ub4e4\uc774 \ub354 \ub192\uc740 \uc218\uc775\uc131\uc744 \ub0bc \uc218 \uc788\ub294\uc9c0\ub97c \ud3c9\uac00\ud55c\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud504\ub9ac\ubbf8\uc5c4 \uc720\uc9c0 \uc5ec\ubd80\ub294 \uc138 \uac00\uc9c0\uc5d0 \ub2ec\ub824 \uc788\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uc635\ud140\ud5ec\uc2a4 \uc218\uc775\uc131(\ub9c8\uc9c4) \ud68c\ubcf5<\/strong> \uc635\ud140\ud5ec\uc2a4 \uc601\uc5c5\uc774\uc775\ub960\uc740 \uc57d 2% \uc218\uc900\uc73c\ub85c, \ud504\ub9ac\ubbf8\uc5c4 \uba40\ud2f0\ud50c\uc744 \ub4b7\ubc1b\uce68\ud558\ub294 \ud50c\ub7ab\ud3fc \uc0ac\uc5c5\uce58\uace0\ub294 \ub0ae\ub2e4. \ub9c8\uc9c4\uc774 \uac1c\uc120\ub418\uae30 \uc804\uae4c\uc9c0 \ubc38\ub958\uc5d0\uc774\uc158\uc740 \u2018\ubbf8\ub798 \uae30\ub300\u2019\uc5d0 \ud06c\uac8c \uc758\uc874\ud55c\ub2e4.<br><\/li>\n\n\n\n<li><strong>\uc131\uc7a5 \uae30\ub300\uc5d0 \ub300\ud55c \uc2e4\ud589<\/strong> \ubcf4\ud5d8 \uc0ac\uc5c5\uc740 \uc548\uc815 \uc2e0\ud638\ub97c \ubcf4\uc600\uc9c0\ub9cc, \ub2e4\uc74c \uc131\uc7a5\uc758 \ud575\uc2ec\uc740 \uc635\ud140\uc774 \uaddc\ubaa8\uc640 \uc778\ud504\ub77c\ub97c \uc2e4\uc81c \uc774\uc775 \uc99d\uac00\ub85c \uc804\ud658\ud558\ub294\uc9c0\ub2e4. \uc9c0\uc5f0\ub418\uba74 \ud22c\uc790\uc790 \uc2e0\ub8b0\uac00 \ud754\ub4e4\ub9b4 \uc218 \uc788\ub2e4.<br><\/li>\n\n\n\n<li><strong>\ube44\uc6a9\u00b7\uc815\ucc45 \ubcc0\ud654 \ubbfc\uac10\ub3c4<\/strong> \uc758\ub8cc \uc774\uc6a9\ub960 \uc0c1\uc2b9, \ubcf4\uc0c1(\uc218\uac00\u00b7\ub9ac\uc784\ubc84\uc2a4\uba3c\ud2b8) \uccb4\uacc4 \ubcc0\ud654, \uc635\ud140 \uc804\ubc18\uc758 \uc0ac\uc5c5 \ucc28\uc9c8\uc740 \uc774\uc775 \uac00\uc2dc\uc131(\uc55e\uc73c\ub85c \uc2e4\uc801\uc744 \uc608\uce21\ud558\uae30 \uc26c\uc6b4 \uc815\ub3c4)\uc744 \ub5a8\uc5b4\ub728\ub824 \ud504\ub9ac\ubbf8\uc5c4 \uc7ac\ud3c9\uac00\ub85c \uc774\uc5b4\uc9c8 \uc218 \uc788\ub2e4.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">UNH\uac00 \uacbd\uc7c1\uc0ac\ubcf4\ub2e4 \ub192\uc740 \ud3c9\uac00\ub97c \ubc1b\ub294 \uc774\uc720<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ubc38\ub958\uc5d0\uc774\uc158 \uaca9\ucc28\ub294 \ub300\ud615 \uad00\ub9ac\ud615 \uc758\ub8cc \uc5c5\uccb4\ub4e4\uacfc \ube44\uad50\ud558\uba74 \ub354 \uc120\uba85\ud574\uc9c4\ub2e4. \uc2dc\uadf8\ub098\uc640 CVS\ub3c4 \uac01\uc790\uc758 \ubb38\uc81c\uc5d0\uc11c \ud68c\ubcf5 \uc911\uc774\uc9c0\ub9cc, \uc774\uc775 \uad6c\uc870\uc640 \uc704\ud5d8 \uc694\uc778\uc740 UNH\uc640 \ub2e4\ub974\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">\ud68c\uc0ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">\uc120\ud589 PER(Forward P\/E\u00b7\ud5a5\ud6c4 12\uac1c\uc6d4 \uc608\uc0c1 \uc774\uc775 \ub300\ube44 \uc8fc\uac00)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\ud68c\ubcf5 \uc0c1\ud0dc<\/td><td class=\"has-text-align-center\" data-align=\"center\">\ud3c9\uac00\uc758 \ud575\uc2ec \uc694\uc778<\/td><\/tr><tr><td>UnitedHealth (UNH)<\/td><td><a href=\"https:\/\/www.gurufocus.com\/term\/forward-pe-ratio\/UNH\" target=\"_blank\" rel=\"noopener nofollow\">~17.6\ubc30<\/a><\/td><td>MCR \uac1c\uc120, \uc635\ud140\ud5ec\uc2a4 \ud68c\ubcf5 \uc9c4\ud589 \uc911<\/td><td>\uc635\ud140 \ub9c8\uc9c4 \ud68c\ubcf5<\/td><\/tr><tr><td>Cigna (CI)<\/td><td><a href=\"https:\/\/www.gurufocus.com\/term\/forward-pe-ratio\/CI\" target=\"_blank\" rel=\"noopener nofollow\">~8.5\ubc30<\/a><\/td><td>\uba54\ub514\ucf00\uc5b4 \uc0ac\uc5c5\uc5d0\uc11c \ucca0\uc218\ud574 \ub178\ucd9c \ucd95\uc18c<\/td><td>PBM(\ucc98\ubc29\uc57d\uae09\uc5ec\uad00\ub9ac\u00b7\uc57d\uac12 \ud611\uc0c1\/\ucc98\ubc29 \uad00\ub9ac) \uc555\ubc15, \uc5d0\ubc84\ub178\uc2a4(Evernorth) \uc804\ud658<\/td><\/tr><tr><td>CVS Health (CVS)<\/td><td><a href=\"https:\/\/www.gurufocus.com\/term\/forward-pe-ratio\/CVS\" target=\"_blank\" rel=\"noopener nofollow\">~13\ubc30<\/a><\/td><td>\ub192\uc544\uc9c4 \uc758\ub8cc\ube44 \uc774\ud6c4 \ud68c\ubcf5 \uc9c4\ud589 \uc911<\/td><td>\uba54\ub514\ucf00\uc5b4 \ube44\uc6a9, \uc18c\uc1a1<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><em>\uc218\uce58\ub294 GuruFocus \uc790\ub8cc<\/em><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\uc2dc\uadf8\ub098\ub294 \ud604\uc7ac \uc0c1\ub300\uc801\uc73c\ub85c \ubc29\uc5b4\uc801\uc778 \uc704\uce58\uc5d0 \uc788\ub2e4. \uba54\ub514\ucf00\uc5b4 \uc5b4\ub4dc\ubc34\ud2f0\uc9c0(\ubbfc\uac04\uc0ac\uac00 \uc6b4\uc601\ud558\ub294 \uba54\ub514\ucf00\uc5b4 \ub300\uccb4 \uc0c1\ud488)\uc5d0\uc11c \ucca0\uc218\ud558\uba74\uc11c \uc5c5\uacc4 \ucd5c\ub300 \ube44\uc6a9 \uc555\ub825 \uc911 \ud558\ub098\uc5d0 \ub300\ud55c \ub178\ucd9c\uc744 \uc904\uc600\uace0, \uc5d0\ubc84\ub178\uc2a4\uac00 \uc774\uc775 \uae30\uc5ec\ub3c4\ub97c \ud0a4\uc6e0\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">CVS\ub294 \ub354 \ub0ae\uc740 \ubc38\ub958\uc5d0\uc774\uc158\uc5d0 \uac70\ub798\ub418\uc9c0\ub9cc, \uba54\ub514\ucf00\uc5b4 \uc5b4\ub4dc\ubc34\ud2f0\uc9c0 \ube44\uc6a9, \uc218\uac00 \uc555\ubc15, \uacfc\uac70 \uc18c\uc1a1(\ub808\uac70\uc2dc \ub9ac\ud2f0\uac8c\uc774\uc158) \ubd80\ub2f4\uc73c\ub85c \ud68c\ubcf5 \uacbd\ub85c\uac00 \ub354 \uae38\ub2e4\ub294 \ud3c9\uac00\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">UNH\ub294 \uadf8 \uc911\uac04\uc5d0 \uc788\ub2e4. \uc778\ud504\ub77c\uc640 \ud68c\ubcf5 \uc5ec\uc9c0\ub294 \ub354 \ud06c\uc9c0\ub9cc, \uc2dc\uc7a5\uc740 \ud504\ub9ac\ubbf8\uc5c4\uc744 \uc815\ub2f9\ud654\ud560 \uc0ac\uc5c5\ub4e4\uc5d0\uc11c \ub354 \ubd84\uba85\ud55c \u2018\uc99d\uac70\u2019\ub97c \uc694\uad6c\ud558\uace0 \uc788\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud2b8\ub808\uc774\ub354\ub294 UNH\ub97c \uc5b4\ub5bb\uac8c \ubcfc\uae4c<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">UNH\uc758 \ubc38\ub958\uc5d0\uc774\uc158\uc740 \uc2e4\uc801 \ubc1c\ud45c, \ub9c8\uc9c4 \uad00\ub828 \ucf54\uba58\ud2b8, \uc815\ucc45 \ubcc0\ud654\uc5d0 \ubbfc\uac10\ud558\uac8c \ubc18\uc751\ud560 \uc218 \uc788\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">9\uc6d4 9\uc77c \ud558\ub77d\uc740 \uc2dc\uc7a5\uc774 \ud604\uc7ac \uc2e4\uc801\ubfd0 \uc544\ub2c8\ub77c \ud68c\ubcf5 \uc77c\uc815\uc5d0 \ub300\ud55c \uc2e0\ub8b0\uc5d0\ub3c4 \ubc18\uc751\ud55c\ub2e4\ub294 \uc810\uc744 \ubcf4\uc5ec\uc92c\ub2e4. \ud380\ub354\uba58\ud138(\uae30\ucd08 \uccb4\ub825)\uc774 \uac1c\uc120\ub3fc\ub3c4, \uae30\ub300\uac00 \uc2e4\ud589\ubcf4\ub2e4 \uc55e\uc11c\uac00\uba74 \uc8fc\uac00\ub294 \ud754\ub4e4\ub9b4 \uc218 \uc788\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ucee8\uc13c\uc11c\uc2a4(\uc560\ub110\ub9ac\uc2a4\ud2b8 \ud3c9\uade0 \uc804\ub9dd)\ub294 12\uac1c\uc6d4 \ud3c9\uade0 \ubaa9\ud45c\uc8fc\uac00 475\ub2ec\ub7ec\ub85c, 391\ub2ec\ub7ec \uc548\ud30e \ub300\ube44 \uc57d 21% \uc0c1\uc2b9 \uc5ec\uc9c0\ub97c \ubcf8\ub2e4. \ubc18\uba74 \uc57d\uc138(\ubca0\uc5b4 \ucf00\uc774\uc2a4) \ubaa9\ud45c\uc8fc\uac00\ub294 313\ub2ec\ub7ec\ub85c, \uc57d 20% \ud558\ub77d \uac00\ub2a5\uc131\uc744 \uc2dc\uc0ac\ud55c\ub2e4. \ubc94\uc704\uac00 \ud070 \uac83\uc740 UNH\uac00 \uc5bc\ub9c8\ub098 \ube68\ub9ac \ud68c\ubcf5\uc744 \ub9c8\ubb34\ub9ac\ud560\uc9c0 \ubd88\ud655\uc2e4\uc131\uc774 \ud06c\ub2e4\ub294 \ub73b\uc774\ub2e4.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">UNH\ub294 \uc758\ub8cc\ube44 \uc0c1\uc2b9\uc73c\ub85c \uc0dd\uae34 \uc190\uc0c1\uc744 \uc0c1\ub2f9 \ubd80\ubd84 \ub9cc\ud68c\ud588\ub2e4. \ub2e4\uc74c \ucd09\ub9e4\ub294 \uc635\ud140\ud5ec\uc2a4\uac00 \uc804\ub7b5\uc801 \uc704\uce58\ub97c \uc2e4\uc81c \ub9c8\uc9c4 \uac1c\uc120\uc73c\ub85c \uc5f0\uacb0\ud560 \uc218 \uc788\ub294\uc9c0\uc5d0 \ub2ec\ub824 \uc788\ub2e4. \uadf8 \uc804\uae4c\uc9c0\ub294 \uc2e4\uc801 \uc5c5\ub370\uc774\ud2b8, \uc758\ub8cc\ube44 \ucd94\uc138, \ud68c\ubcf5 \uc77c\uc815 \ubcc0\ud654 \uc2e0\ud638\uc5d0 \uc8fc\uac00\uac00 \ubbfc\uac10\ud558\uac8c \ubc18\uc751\ud560 \uac00\ub2a5\uc131\uc774 \ud06c\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc635\ud140\ud5ec\uc2a4\uc758 \ubc29\ud5a5\uc131\uc5d0 \ub300\ud55c \uacac\ud574\ub97c \uac00\uaca9\uc5d0 \ubc18\uc601\ud558\ub824\ub294 \ud2b8\ub808\uc774\ub354\ub294 CFD(\ucc28\uc561\uacb0\uc81c\uac70\ub798\u00b7\uae30\ucd08\uc790\uc0b0\uc744 \ubcf4\uc720\ud558\uc9c0 \uc54a\uace0 \uac00\uaca9 \ubcc0\ub3d9\ubd84\ub9cc \uc815\uc0b0\ud558\ub294 \ud30c\uc0dd\uc0c1\ud488)\ub85c \ud3ec\uc9c0\uc158\uc744 \ucde8\ud560 \uc218 \uc788\ub2e4. \uac15\uc138(\ubd88\ub9ac\uc2dc) \uc2dc\ub098\ub9ac\uc624\ub294 MCR\uc758 \ucd94\uac00 \uac1c\uc120\uacfc \uc635\ud140\ud5ec\uc2a4 \ub9c8\uc9c4 \uac1c\uc120\uc774 \uc804\uc81c\ub2e4. \uc57d\uc138(\ubca0\uc5b4\ub9ac\uc2dc) \uc2dc\ub098\ub9ac\uc624\ub294 \ubc38\ub958\uc5d0\uc774\uc158 \ubd80\ub2f4, \ube44\uc6a9 \uc555\ub825, \uc635\ud140 \ud68c\ubcf5 \uc9c0\uc5f0\uc5d0 \ucd08\uc810\uc744 \ub9de\ucd98\ub2e4.<\/p>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>TL;DR<\/strong><\/summary>\n<p class=\"wp-block-paragraph\"><br><strong>\uc635\ud140\ud5ec\uc2a4 \uac70\ub798 \uc774\ud6c4 UNH \uc8fc\uac00\uac00 \ud558\ub77d\ud55c \uc774\uc720\ub294?<\/strong> <br>TPG\uc640\uc758 \ud30c\ud2b8\ub108\uc2ed\uc73c\ub85c \uc635\ud140\ud5ec\uc2a4\uc758 \uc6b4\uc601 \uac1c\uc120\uacfc \ub9c8\uc9c4 \ud68c\ubcf5 \uc18d\ub3c4\uc5d0 \ub300\ud55c \uc758\ubb38\uc774 \ucee4\uc9c0\uba70, \uc8fc\uac00\uac00 \uc57d 3% \ud558\ub77d\ud588\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2026\ub144 UNH \ubcf4\ud5d8 \uc0ac\uc5c5\uc740 \ud68c\ubcf5 \uc911\uc778\uac00?<\/strong> \uc608. 2026\ub144 \uc0c1\ubc18\uae30 MCR\uc740 85.3%\ub85c \uac1c\uc120\ub410\uace0, \ud68c\uc0ac\ub294 \uc5f0\uac04 \uc870\uc815 EPS \uac00\uc774\ub358\uc2a4\ub97c 19.50~20.00\ub2ec\ub7ec\ub85c \uc62c\ub838\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uc65c \uc635\ud140\ud5ec\uc2a4\uac00 UNH \uc8fc\uac00\uc5d0 \uc911\uc694\ud55c\uac00?<\/strong> <br>\uc635\ud140\uc740 UNH\uac00 \uc804\ud1b5 \ubcf4\ud5d8\uc0ac \ub300\ube44 \ub192\uc740 \ud504\ub9ac\ubbf8\uc5c4\uc744 \ubc1b\ub294 \uadfc\uac70\ub2e4. \ub530\ub77c\uc11c \uc635\ud140\ud5ec\uc2a4\uc758 \ub0ae\uc740 \ub9c8\uc9c4\uc740 \uc774\uc775 \uae30\ub300\uc640 \ud22c\uc790\uc2ec\ub9ac\uc5d0 \ubd80\ub2f4\uc774 \ub420 \uc218 \uc788\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>UNH\ub294 \uc2dc\uadf8\ub098\u00b7CVS\uc640 \uc5b4\ub5bb\uac8c \ub2e4\ub978\uac00?<\/strong> <br>UNH\ub294 \uc635\ud140 \ud50c\ub7ab\ud3fc\uc744 \ubc18\uc601\ud574 \ub354 \ub192\uc740 \uc120\ud589 PER\uc5d0 \uac70\ub798\ub41c\ub2e4. \uc2dc\uadf8\ub098\uc640 CVS\ub294 \ub354 \ub0ae\uc740 \ubc30\uc218\uc9c0\ub9cc, \uc758\ub8cc\ube44\uc640 PBM \uad00\ub828 \uc704\ud5d8 \uc694\uc18c\uac00 \uac01\uac01 \ub2e4\ub974\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ud5a5\ud6c4 UNH\uc5d0\uc11c \ubb34\uc5c7\uc744 \ubd10\uc57c \ud558\ub098?<\/strong> <br>\uc635\ud140\ud5ec\uc2a4 \ub9c8\uc9c4, MCR \ucd94\uc138, \uc2e4\uc801 \uac00\uc774\ub358\uc2a4, \uc758\ub8cc \uc815\ucc45 \ubcc0\ud654\uac00 \ud68c\ubcf5 \uc9c0\uc18d \uc5ec\ubd80\ub97c \uac00\ub97c \uc218 \uc788\ub2e4.<\/p>\n<\/details>\n\n\n\n\n<p class=\"wp-block-paragraph\"><b>\uc9c0\uae08 \ubc14\ub85c \uac70\ub798\ub97c \uc2dc\uc791\ud558\uc138\uc694 \u2014 VT Markets \uc2e4\uacc4\uc88c\ub97c \uac1c\uc124\ud558\ub824\uba74 <a href=\"https:\/\/www.vtmarkets.com\/kr-asia\/trade-now\/?utm_source=Opinion\">\uc5ec\uae30<\/a>\ub97c \ud074\ub9ad\ud558\uc138\uc694.<\/b>\n\n<\/p>","protected":false},"excerpt":{"rendered":"<p>\uc720\ub098\uc774\ud2f0\ub4dc\ud5ec\uc2a4, MCR \uac1c\uc120\uc5d0 \uac00\uc774\ub358\uc2a4 \uc0c1\ud5a5 \u2018\ud68c\ubcf5 \uc2e0\ud638\u2019\u2026\ud558\uc9c0\ub9cc \uc635\ud140\ud5ec\uc2a4 \uc9c0\ubd84 \ub9e4\uac01 \ud6c4 \uc8fc\uac00 3%\u2193. \ud504\ub9ac\ubbf8\uc5c4 \ubc38\ub958\ub294 \uc635\ud140\ud5ec\uc2a4 \ub9c8\uc9c4 \ud68c\ubcf5\uacfc \uc2e4\ud589\ub825\uc774 \uac00\ub978\ub2e4.<\/p>\n","protected":false},"author":91,"featured_media":54101,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[48,49],"tags":[],"class_list":["post-54102","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-featured","category-opinion"],"acf":{"acf_article_selection_author":null},"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.1.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"\uc720\ub098\uc774\ud2f0\ub4dc\ud5ec\uc2a4, MCR \uac1c\uc120\uc5d0 \uac00\uc774\ub358\uc2a4 \uc0c1\ud5a5 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