{"id":69670,"date":"2026-10-15T09:02:23","date_gmt":"2026-10-15T09:02:23","guid":{"rendered":"https:\/\/www.vtmarkets.com\/kr-asia\/uncategorized\/bank-earnings-reveal-the-challenges-ahead-for-q4\/"},"modified":"2026-10-15T09:02:23","modified_gmt":"2026-10-15T09:02:23","slug":"bank-earnings-reveal-the-challenges-ahead-for-q4","status":"publish","type":"post","link":"https:\/\/www.vtmarkets.com\/kr-asia\/opinion\/bank-earnings-reveal-the-challenges-ahead-for-q4\/","title":{"rendered":"\uc740\ud589 \uc2e4\uc801\uc774 4\ubd84\uae30 \uc55e\ub0a0\uc758 \ub3c4\uc804 \uacfc\uc81c\ub97c \ub4dc\ub7ec\ub0b4\ub2e4"},"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\/10\/BankEarns-Q4.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\/10\/BankEarns-Q4.webp 1250w, https:\/\/www.vtmarkets.com\/kr-asia\/wp-content\/uploads\/sites\/5\/2026\/10\/BankEarns-Q4-300x168.webp 300w, https:\/\/www.vtmarkets.com\/kr-asia\/wp-content\/uploads\/sites\/5\/2026\/10\/BankEarns-Q4-1024x573.webp 1024w, https:\/\/www.vtmarkets.com\/kr-asia\/wp-content\/uploads\/sites\/5\/2026\/10\/BankEarns-Q4-768x430.webp 768w, https:\/\/www.vtmarkets.com\/kr-asia\/wp-content\/uploads\/sites\/5\/2026\/10\/BankEarns-Q4-500x280.webp 500w, https:\/\/www.vtmarkets.com\/kr-asia\/wp-content\/uploads\/sites\/5\/2026\/10\/BankEarns-Q4-400x224.webp 400w, https:\/\/www.vtmarkets.com\/kr-asia\/wp-content\/uploads\/sites\/5\/2026\/10\/BankEarns-Q4-350x196.webp 350w, https:\/\/www.vtmarkets.com\/kr-asia\/wp-content\/uploads\/sites\/5\/2026\/10\/BankEarns-Q4-200x112.webp 200w\" sizes=\"auto, (max-width: 1250px) 100vw, 1250px\" \/><\/figure>\n\n\n<p class=\"wp-block-paragraph\">\uc6d4\uac00\uc758 \ub300\ud615 \uae08\uc735\uc0ac\ub4e4\uc740 \uc218\uc694\uc77c 3\ubd84\uae30 \uc2e4\uc801\uc5d0\uc11c \uc5c7\uac08\ub9b0 \uc2e0\ud638\ub97c \ubcf4\ub0c8\ub2e4. \uae08\ub9ac \uc0c1\uc2b9\uc73c\ub85c \uc218\uc775\uc774 \ub298\uc5b4\ub09c \uc0ac\uc5c5 \ubd80\ubb38\ub3c4 \uc788\uc5c8\uc9c0\ub9cc, \uae08\ub9ac \ubcc0\ub3d9\uc774 \ud0a4\uc6b4 \ubd88\ud655\uc2e4\uc131 \ub54c\ubb38\uc5d0 \uc5b4\ub824\uc6c0\uc744 \uacaa\ub294 \ubd80\ubb38\ub3c4 \uc788\uc5c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ubaa8\uac74\uc2a4\ud0e0\ub9ac\ub294 \uc8fc\ub2f9\uc21c\uc774\uc775(EPS\u00b7\uae30\uc5c5\uc774 \uc8fc\uc2dd 1\uc8fc\ub2f9 \ubc8c\uc5b4\ub4e4\uc778 \uc774\uc775) 3.03\ub2ec\ub7ec\ub97c \uae30\ub85d\ud574 \uc2dc\uc7a5 \uc608\uc0c1\uce58 2.91\ub2ec\ub7ec\ub97c \uc6c3\ub3cc\uc558\uace0, \ub9e4\ucd9c\uc740 203\uc5b54000\ub9cc\ub2ec\ub7ec\uc600\ub2e4. \uadf8\ub7fc\uc5d0\ub3c4 \uc8fc\uac00\ub294 <a href=\"https:\/\/finance.yahoo.com\/markets\/stocks\/articles\/morgan-stanley-stocks-fall-3-180918123.html\" target=\"_blank\" rel=\"noopener nofollow\">3.8% \ud558\ub77d<\/a>\ud588\ub2e4. \uc2a4\ud14c\uc774\ud2b8\uc2a4\ud2b8\ub9ac\ud2b8\ub294 \ub9e4\ucd9c\uc774 \uc804\ub9dd\uce58\ub97c \uc18c\ud3ed \ubc11\ub3cc\uba74\uc11c <a href=\"https:\/\/finance.yahoo.com\/markets\/stocks\/articles\/statestreet-shares-fall-4-revenue-121516304.html\" target=\"_blank\" rel=\"noopener nofollow\">\uc57d 4% \ud558\ub77d<\/a>\ud588\ub2e4. \ubc45\ud06c\uc624\ube0c\uc544\uba54\ub9ac\uce74\ub294 \uc2e4\uc801\uc774 \uc608\uc0c1\uc5d0 \ubabb \ubbf8\uce5c \ub370\ub2e4 12\uc5b5\ub2ec\ub7ec \uaddc\ubaa8\uc758 \uaddc\uc81c \uad00\ub828 \ube44\uc6a9(\uaddc\uc81c\ub2f9\uad6d \ub300\uc751\u00b7\uc81c\uc7ac\u00b7\ud569\uc758 \ub4f1\uc73c\ub85c \ubc18\uc601\ud55c \uc77c\ud68c\uc131 \ube44\uc6a9)\uc744 \ubc18\uc601\ud558\uba74\uc11c 4.76% \ub0b4\ub838\ub2e4. <a href=\"https:\/\/au.investing.com\/news\/earnings\/blackrock-earnings-beat-sends-shares-higher-premarket-4689563\" target=\"_blank\" rel=\"noopener nofollow\">\uc608\uc678\ub294 \ube14\ub799\ub85d<\/a>\uc73c\ub85c, 0.72% \uc0c1\uc2b9\ud588\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc804\uccb4 \uc2dc\uc7a5\ub3c4 \uc57d\uc138\uc600\ub2e4. \ub098\uc2a4\ub2e5\uc740 \uc774\ub0a0 1.54% \ud558\ub77d\ud588\uace0, \uc608\uc0c1\ubcf4\ub2e4 \ub728\uac70\uc6b4 \ubb3c\uac00 \uc9c0\ud45c(\uc778\ud50c\ub808\uc774\uc158\u00b7\ubb3c\uac00\uac00 \uc804\ubc18\uc801\uc73c\ub85c \uc624\ub974\ub294 \ud604\uc0c1)\uac00 \uae08\ub9ac\uac00 \ub192\uc740 \uc218\uc900\uc5d0\uc11c \ub354 \uc624\ub798 \uc720\uc9c0\ub420 \uc218 \uc788\ub2e4\ub294 \uc6b0\ub824\ub97c \ud0a4\uc6e0\ub2e4. \uc2dc\uc7a5\uc774 \uc704\ud5d8 \ud68c\ud53c(risk-off\u00b7\ud22c\uc790\uc790\ub4e4\uc774 \uc704\ud5d8\uc790\uc0b0\uc744 \uc904\uc774\uace0 \uc548\uc804\uc790\uc0b0\uc73c\ub85c \uc774\ub3d9\ud558\ub294 \uad6d\uba74)\ub85c \ub3cc\uc544\uc11c\ub294 \ub0a0\uc5d0\ub294 <a href=\"https:\/\/www.vtmarkets.com\/opinion\/beat-the-expectations-lose-the-stock-the-earnings-paradox\/\" target=\"_blank\" rel=\"noopener\">\uc2e4\uc801 \ubc1c\ud45c\uc758 \uc791\uc740 \ud760\ub3c4 \ub354 \ud06c\uac8c \ucc98\ubc8c\ubc1b\ub294 \uacbd\ud5a5<\/a>\uc774 \uc788\uc5b4, \uc740\ud589\uc8fc \ud558\ub77d\uc744 \uc2e4\uc801\ub9cc\uc73c\ub85c \uc124\uba85\ud558\uae30\ub294 \uc5b4\ub835\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uadf8\ub7fc\uc5d0\ub3c4 \uc774\ubc88 \uc2e4\uc801\uc740 \ub354 \uc911\uc694\ud55c \u2018\uac08\ub9bc\u2019\uc744 \ub4dc\ub7ec\ub0b8\ub2e4. \uae08\ub9ac \uc0c1\uc2b9\uc740 \uc740\ud589\uc774 \ub300\ucd9c\u00b7\uc608\uae08\u00b7\uc99d\uad8c\uc5d0\uc11c \uc5bb\ub294 \uc774\uc790\uc218\uc775\uc744 \ub298\ub9b4 \uc218 \uc788\uc9c0\ub9cc, \uae08\ub9ac\uac00 \uae09\uaca9\ud788 \uc6c0\uc9c1\uc774\uba74 \uace0\uac1d\uc774 \ucc44\uad8c \uac70\ub798\ub97c \uc904\uc774\uac70\ub098 \uc778\uc218\ud569\ubcd1(M&amp;A) \ub4f1 \ub51c(\uac70\ub798)\uc744 \ucd94\uc9c4\ud558\ub294 \ub370 \ub354 \uc2e0\uc911\ud574\uc9c8 \uc218 \uc788\ub2e4. <strong>4\ubd84\uae30\ub97c \uc55e\ub450\uace0 \ud575\uc2ec\uc740 \ub298\uc5b4\ub09c \uc774\uc790\uc218\uc775\uc774 \ub2e4\ub978 \ubd80\ubb38\uc758 \ubd80\uc9c4\uc744 \uc0c1\uc1c4\ud560 \uc218 \uc788\ub290\ub0d0\ub294 \uc810\uc774\ub2e4.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uae08\ub9ac \uc0c1\uc2b9\uc758 \u2018\ubd88\uade0\ub4f1\u2019\ud55c \uc601\ud5a5<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uae08\ub9ac \uc0c1\uc2b9\uc73c\ub85c \uc5bc\ub9c8\ub098 \uc774\uc775\uc744 \ubcf4\ub294\uc9c0\ub294 \uae30\uc5c5\uc774 \ub3c8\uc744 \ubc84\ub294 \uad6c\uc870(\uc218\uc775\uc6d0)\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c4\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc804\ud1b5\uc801\uc778 \uc740\ud589\uc740 \uae08\ub9ac\uac00 \uc62c\ub77c\uac00\uba74 \uc21c\uc774\uc790\uc774\uc775(NII\u00b7\ub300\ucd9c\u00b7\ud22c\uc790\uc5d0\uc11c \ubc1b\ub294 \uc774\uc790\uc5d0\uc11c \uc608\uae08\uc790\uc5d0\uac8c \uc9c0\uae09\ud558\ub294 \uc774\uc790\ub97c \ube80 \uac12)\uc774 \uc99d\uac00\ud560 \uc218 \uc788\ub2e4. \uad00\uac74\uc740 \uc774\uc790\uc218\uc775\uc774 \uc790\uae08\uc870\ub2ec \ube44\uc6a9(\uc608\uae08 \uc774\uc790 \ub4f1)\ubcf4\ub2e4 \uc5bc\ub9c8\ub098 \ube68\ub9ac \ub298\uc5b4\ub098\ub290\ub0d0\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud2b8\ub808\uc774\ub529(\ub9e4\ub9e4) \uc0ac\uc5c5\uc740 \ub2e4\ub978 \ub3c4\uc804\uc5d0 \uc9c1\uba74\ud55c\ub2e4. <a href=\"https:\/\/www.vtmarkets.com\/tag\/bonds\/\" target=\"_blank\" rel=\"noopener\">\ucc44\uad8c<\/a> \uc218\uc775\ub960(\ucc44\uad8c\uc744 \ubcf4\uc720\ud560 \ub54c \uae30\ub300\ub418\ub294 \uc774\uc790\uc218\uc775\ub960)\uc774 \ud06c\uac8c \ucd9c\ub801\uc774\uba74 \ucc44\uad8c \uac00\uaca9\uc774 \ub354 \uc608\uce21\ud558\uae30 \uc5b4\ub824\uc6cc\uc9c0\uace0, \uace0\uac1d\uc740 \uac70\ub798\uc5d0 \uc2e0\uc911\ud574\uc9c4\ub2e4. \ubc18\uba74 \uc218\uc775\ub960\uc774 \ub192\uc544\uc9c0\uba74 \ud22c\uc790\uc790\ub4e4\uc774 \ucc44\uad8c \ub4f1 \uace0\uc815\uae08\ub9ac \uc0c1\ud488(\uc815\ud574\uc9c4 \uc774\uc790\ub97c \uc9c0\uae09\ud558\ub294 \uae08\uc735\uc0c1\ud488)\uc73c\ub85c \uc774\ub3d9\ud560 \uc218 \uc788\uc5b4, \uc6b4\uc6a9\uc790\uc0b0\uc5d0\uc11c \uc218\uc218\ub8cc\ub97c \ubc1b\ub294 \uc790\uc0b0\uc6b4\uc6a9\uc0ac\uc5d0\ub294 \uc720\ub9ac\ud558\uac8c \uc791\uc6a9\ud560 \uc218 \uc788\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc2a4\ud14c\uc774\ud2b8\uc2a4\ud2b8\ub9ac\ud2b8 \uacbd\uc601\uc9c4\uc740 <a href=\"https:\/\/www.benzinga.com\/news\/26\/10\/62361764\/state-street-q3-2026-earnings-call-transcript\" target=\"_blank\" rel=\"noopener nofollow\">3\ubd84\uae30 \ub3d9\uc548 \uae08\ub9ac\uac00 \ub300\ub7b5 75~100bp(\ubca0\uc774\uc2dc\uc2a4\ud3ec\uc778\ud2b8\u00b70.01%\ud3ec\uc778\ud2b8) \uc0c1\uc2b9<\/a>\ud588\ub2e4\uace0 \ucd94\uc0b0\ud588\ub2e4. \uc774\ub7f0 \ubcc0\ud654\ub294 \uac19\uc740 \uc2dc\uc7a5 \ud658\uacbd\uc5d0\uc11c\ub3c4 \uae08\uc735\uc5c5\uc885 \ub0b4 \uc131\uacfc\uac00 \ub2ec\ub77c\uc9c4 \uc774\uc720\ub97c \uc124\uba85\ud574 \uc900\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud575\uc2ec \uad6c\ubd84\uc740 <strong>\uae08\ub9ac \uc0c1\uc2b9\uc5d0\uc11c \uc9c1\uc811 \uc774\uc775(\uc774\uc790\uc218\uc775)\uc744 \uc5bb\ub294 \uae30\uc5c5<\/strong>\uacfc, \ub9e4\ucd9c\uc774 <strong>\uace0\uac1d\uc774 \uadf8 \ud68c\uc0ac\ub97c \ud1b5\ud574 \uc801\uadf9\uc801\uc73c\ub85c \uac70\ub798\ud558\ub824\ub294 \uc758\uc9c0<\/strong>\uc5d0 \ub354 \ud06c\uac8c \uc88c\uc6b0\ub418\ub294 \uae30\uc5c5 \uc0ac\uc774\uc5d0\uc11c \ub098\ud0c0\ub09c\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc7ac\ubb34\uad6c\uc870\ub294 \ubc84\ud17c\uc9c0\ub9cc, \ucc44\uad8c \ub9e4\ub9e4\ub294 \uc57d\ud574\uc84c\ub2e4<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\ubc45\ud06c\uc624\ube0c\uc544\uba54\ub9ac\uce74\ub294 <a href=\"https:\/\/www.cnbc.com\/2026\/10\/14\/bank-of-america-bac-q3-2026-earnings.html\" target=\"_blank\" rel=\"noopener nofollow\">\ud55c \ubc88\uc758 \uc2e4\uc801 \ubc1c\ud45c\uc5d0\uc11c \uc774 \u2018\ubd84\ub9ac\u2019\ub97c \ubcf4\uc5ec\uc900\ub2e4<\/a>. \uc21c\uc774\uc790\uc774\uc775\uc740 7.9% \uc99d\uac00\ud55c 166\uc5b5\ub2ec\ub7ec\ub85c, \ub300\ucd9c\u00b7\ud22c\uc790 \ubd80\ubb38\uc5d0\uc11c \uae08\ub9ac \uc0c1\uc2b9 \ud6a8\uacfc\uac00 \ubc18\uc601\ub410\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud558\uc9c0\ub9cc \uace0\uc815\uae08\ub9ac \uc0c1\ud488(\ucc44\uad8c \ub4f1) \ud2b8\ub808\uc774\ub529 \ubd80\ubb38\uc740 \ubd80\uc9c4\ud588\ub2e4. \ub9e4\ucd9c\uc740 17% \uac10\uc18c\ud55c 25\uc5b55000\ub9cc\ub2ec\ub7ec\ub85c, \uc740\ud589\uc740 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uad00\ub828 \uc0c1\ud488, \uc9c0\ubc29\ucc44(\uc9c0\ubc29\uc815\ubd80\uac00 \ubc1c\ud589\ud558\ub294 \ucc44\uad8c), \uc2e0\uc6a9(\ud68c\uc0ac\ucc44 \ub4f1) \uc804\ubc18\uc758 \uc57d\uc138\ub97c \uc774\uc720\ub85c \ub4e4\uc5c8\ub2e4. \uae08\ub9ac \uae09\ub4f1\uc774 \uc774\ub4e4 \uc2dc\uc7a5\uc5d0\uc11c \uace0\uac1d \uac70\ub798\ub97c \uc704\ucd95\uc2dc\ucf30\ub2e4\ub294 \uc124\uba85\uc774\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ubaa8\uac74\uc2a4\ud0e0\ub9ac\ub3c4 <a href=\"https:\/\/www.reuters.com\/business\/finance\/morgan-stanley-profit-rises-equity-trading-strength-2026-10-14\/\" target=\"_blank\" rel=\"noopener nofollow\">\ube44\uc2b7\ud55c \uc591\uc0c1\uc744 \ubcf4\uc600\ub2e4<\/a>. \ucc44\uad8c \uc911\uc2ec\uc758 \uc138\uc77c\uc988\u00b7\ud2b8\ub808\uc774\ub529 \ub9e4\ucd9c(\uace0\uac1d \uc8fc\ubb38 \uc911\uac1c\uc640 \uc790\uccb4 \ub9e4\ub9e4\uc5d0\uc11c \ubc1c\uc0dd)\uc740 \uc57d 7.3% \uac10\uc18c\ud55c 20\uc5b51000\ub9cc\ub2ec\ub7ec\uc600\ub358 \ubc18\uba74, \uc8fc\uc2dd \ud2b8\ub808\uc774\ub529 \ub9e4\ucd9c\uc740 41% \uae09\uc99d\ud55c 58\uc5b5\ub2ec\ub7ec\uc600\ub2e4. \uace0\uac1d\uc774 \uc2dc\uc7a5\uc5d0\uc11c \uc644\uc804\ud788 \ubb3c\ub7ec\ub09c \uac83\uc774 \uc544\ub2c8\ub77c, \ucc44\uad8c\uc5d0\uc11c \uc8fc\uc2dd\uc73c\ub85c \uc774\ub3d9\ud55c \uc148\uc774\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\ubaa8\uac74\uc2a4\ud0e0\ub9ac\uc758 3\ubd84\uae30\ub294 \uc8fc\uc2dd\uc774 \uc774\ub04c\uc5c8\uace0, \ubc45\ud06c\uc624\ube0c\uc544\uba54\ub9ac\uce74\uc758 3\ubd84\uae30\ub294 \uc774\uc790\uc218\uc775\uc774 \uc774\ub04c\uc5c8\ub2e4.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc2a4\ud14c\uc774\ud2b8\uc2a4\ud2b8\ub9ac\ud2b8\uc640 \ube14\ub799\ub85d\uc740 \uc774\ubc88 \ubd84\uae30\uc5d0 \uae08\ub9ac\ub85c \uc778\ud55c \ub69c\ub837\ud55c \ubd80\ub2f4\uc774 \ubcf4\uc774\uc9c0 \uc54a\uc558\ub2e4. \uc2a4\ud14c\uc774\ud2b8\uc2a4\ud2b8\ub9ac\ud2b8\uc758 \uc21c\uc774\uc790\uc774\uc775\uc740 21% \ub298\uc5c8\uace0, \ube14\ub799\ub85d\uc740 \ucc44\uad8c\ud615 \uc0c1\ud488\uc73c\ub85c 782\uc5b5\ub2ec\ub7ec\uc758 \uc21c\uc720\uc785(\uc720\uc785\uc561\uc5d0\uc11c \uc720\ucd9c\uc561\uc744 \ube80 \uac12)\uc744 \ub04c\uc5b4\uc654\ub2e4.<\/p>\n\n\n\n<script type=\"module\" src=\"https:\/\/widgets.tradingview-widget.com\/w\/en\/tv-tickers.js\"><\/script>\n\n<tv-tickers symbols=\"NYSE:BAC,NYSE:MS,NYSE:STT,NYSE:BLK\" hide-chart><\/tv-tickers><br>\n\n\n\n<p class=\"wp-block-paragraph\"><br>\uae08\ub9ac\uac00 \uace7\ubc14\ub85c \uc774\uc790\uc218\uc775\uc73c\ub85c \uc5f0\uacb0\ub418\ub294 \uacf3\uc5d0\uc11c 3\ubd84\uae30 \uc131\uc801\uc774 \uac00\uc7a5 \uc88b\uc558\ub2e4. <strong>VT \ub9c8\ucf13\uc5d0\uc11c \ub124 \ud68c\uc0ac \ubaa8\ub450\ub97c <a href=\"https:\/\/www.vtmarkets.com\/cfd-shares\/\" target=\"_blank\" rel=\"noopener\">\uc8fc\uc2dd CFD<\/a>(\ucc28\uc561\uacb0\uc81c\uac70\ub798\u00b7\uc2e4\uc81c \uc8fc\uc2dd\uc744 \ubcf4\uc720\ud558\uc9c0 \uc54a\uace0 \uac00\uaca9 \ubcc0\ub3d9 \ucc28\uc774\ub9cc \uc815\uc0b0\ud558\ub294 \ud30c\uc0dd\uc0c1\ud488)\ub85c \ucd94\uc801\ud560 \uc218 \uc788\ub2e4.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uae08\ub9ac \uc0c1\uc2b9\uc758 \uc218\ud61c\uac00 \ub69c\ub837\ud55c \uacf3<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc2a4\ud14c\uc774\ud2b8\uc2a4\ud2b8\ub9ac\ud2b8\ub294 \uc218\ud61c\ub97c \uac00\uc7a5 \ubd84\uba85\ud558\uac8c \ubcf4\uc5ec\uc8fc\ub294 \uc0ac\ub840 \uc911 \ud558\ub098\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc2a4\ud14c\uc774\ud2b8\uc2a4\ud2b8\ub9ac\ud2b8\ub294 \uc218\ud0c1\uc740\ud589(\ucee4\uc2a4\ud130\ub514 \uc740\ud589\u00b7\uae30\uad00\ud22c\uc790\uc790\uc758 \uc790\uc0b0\uc744 \ubcf4\uad00\u00b7\uad00\ub9ac\ud558\uace0 \uacb0\uc81c\u00b7\ud68c\uacc4 \ub4f1\uc744 \uc81c\uacf5\ud558\ub294 \uc740\ud589)\uc73c\ub85c, \uae30\uad00\ud22c\uc790\uc790\uac00 \uc790\uc0b0\uc744 \ubcf4\uc720\u00b7\uad00\ub9ac\ud558\ub294 \ub370 \ud544\uc694\ud55c \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud55c\ub2e4. \ub3d9\uc2dc\uc5d0 \uc740\ud589 \uc0ac\uc5c5 \uc548\uc5d0 \uc788\ub294 \ud2b9\uc815 \uc794\uc561\uc5d0\uc11c \uc774\uc790\uc218\uc775\uc744 \uc5bb\uae30 \ub54c\ubb38\uc5d0 \uc21c\uc774\uc790\uc774\uc775\uc774 \ud575\uc2ec \uc2e4\uc801 \ub3d9\ub825\uc774\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">3\ubd84\uae30 \uc21c\uc774\uc790\uc774\uc775\uc740 21% \uc99d\uac00\ud55c 8\uc5b56400\ub9cc\ub2ec\ub7ec\uc600\ub2e4. \uacbd\uc601\uc9c4\uc740 \uc5f0\uac04 \uc21c\uc774\uc790\uc774\uc775 \uc99d\uac00\uc728 \uc804\ub9dd\ub3c4 15%~16%\ub85c \uc0c1\ud5a5\ud588\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uae08\ub9ac \uc0c1\uc2b9\uc740 <a href=\"https:\/\/investors.statestreet.com\/filings-and-reports\/quarterly-results\/default.aspx\" target=\"_blank\" rel=\"noopener nofollow\">\uc2a4\ud14c\uc774\ud2b8\uc2a4\ud2b8\ub9ac\ud2b8\uc758 \uc2e4\uc801<\/a>\uc5d0 \uace7\ubc14\ub85c \ubc18\uc601\ub410\ub2e4. \ub2e4\ub9cc \uc774 \ud6a8\uacfc\uac00 \ubb34\ud55c\uc815 \uc774\uc5b4\uc9c0\uc9c0\ub294 \uc54a\ub294\ub2e4. \uc608\uae08 \ube44\uc6a9 \uc0c1\uc2b9, \uace0\uac1d\uc758 \ud604\uae08 \uc794\uc561 \ubcc0\ud654, \ud5a5\ud6c4 \uae08\ub9ac \uacb0\uc815\uc774 \ud68c\uc0ac\uac00 \uc720\uc9c0\ud560 \uc218 \uc788\ub294 \uc774\uc790\uc218\uc775 \uaddc\ubaa8\uc5d0 \uc601\ud5a5\uc744 \uc904 \uc218 \uc788\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ube14\ub799\ub85d\uc740 \uac19\uc740 \uc2dc\uc7a5 \ud658\uacbd\uc758 \ub2e4\ub978 \uce21\uba74\uc5d0\uc11c \ud61c\ud0dd\uc744 \ubd24\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ube14\ub799\ub85d\uc740 3\ubd84\uae30 \ucc44\uad8c\ud615 \uc0c1\ud488\uc73c\ub85c 782\uc5b5\ub2ec\ub7ec\uc758 \uc21c\uc720\uc785\uc744 \uae30\ub85d\ud588\ub2e4. \uc804\uccb4 \uc21c\uc720\uc785\uc740 2050\uc5b5\ub2ec\ub7ec\ub85c, \uc6b4\uc6a9\uc790\uc0b0(AUM\u00b7\uc6b4\uc6a9 \uc911\uc778 \uc790\uc0b0\uc758 \ucd1d\uc561)\uc740 15\uc8705000\uc5b5\ub2ec\ub7ec\ub85c \ub298\uc5c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc218\uc775\ub960\uc774 \ub192\uc544\uc9c0\uba74 \uc774\uc790\uc218\uc775\uc744 \uc6d0\ud558\ub294 \ud22c\uc790\uc790\uc5d0\uac8c \ucc44\uad8c\uc774 \ub354 \ub9e4\ub825\uc801\uc73c\ub85c \ubcf4\uc77c \uc218 \uc788\ub2e4. \uadf8 \uacb0\uacfc \uc790\uc0b0\uc6b4\uc6a9\uc0ac\ub294 \ub354 \ub9ce\uc740 \uc790\uae08\uc744 \uc720\uce58\ud558\uace0, \uadf8 \uc790\uae08\uc5d0 \ub300\ud55c \uc6b4\uc6a9\ubcf4\uc218(\uc218\uc218\ub8cc)\ub97c \ubc8c \uae30\ud68c\ub97c \uc5bb\ub294\ub2e4. \ube14\ub799\ub85d \uc2e4\uc801\uc740 \uae08\ub9ac \ubcc0\ub3d9\uc131\uc774 \uc77c\ubd80 \ud2b8\ub808\uc774\ub529 \ubd80\ubb38\uc5d0 \ubd80\ub2f4\uc744 \uc92c\uc74c\uc5d0\ub3c4 \ucc44\uad8c \ud22c\uc790 \uc218\uc694\uac00 \uacac\uc870\ud558\ub2e4\ub294 \uc810\uc744 \uc2dc\uc0ac\ud55c\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub124 \ud68c\uc0ac \uc911 \uc8fc\uac00\uac00 \uc624\ub978 \uacf3\uc740 \ube14\ub799\ub85d\ubfd0\uc774\uc5c8\ub2e4. \ub2e4\ub978 \uacf3\uc758 \ucc44\uad8c \ud2b8\ub808\uc774\ub529 \ub370\uc2a4\ud06c(\ucc44\uad8c \ub9e4\ub9e4 \ubd80\uc11c)\uc5d0 \ubd80\ub2f4\uc744 \uc900 \ud658\uacbd\uc774 \ube14\ub799\ub85d\uc5d0\ub294 \uc624\ud788\ub824 \ud638\uc7ac\ub85c \uc791\uc6a9\ud55c \uc148\uc774\ub2e4. \ub2e4\ub9cc \ud5a5\ud6c4 \uc131\uacfc\ub294 \uc21c\uc720\uc785\uc774 \uc774\uc5b4\uc9c0\ub294\uc9c0, \uadf8\ub9ac\uace0 \uc2dc\uc7a5 \ubcc0\ub3d9\uc774 \uc6b4\uc6a9\uc790\uc0b0(AUM)\uc5d0 \uc5b4\ub5a4 \uc601\ud5a5\uc744 \uc8fc\ub294\uc9c0\uc5d0 \ub2ec\ub824 \uc788\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uc778\ud50c\ub808\uc774\uc158\uc774 \uaca9\ucc28\ub97c \ub354 \ubc8c\ub9b4 \uc218 \uc788\ub2e4<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc218\uc694\uc77c \ubc1c\ud45c\ub41c \uc608\uc0c1\ubcf4\ub2e4 \ub192\uc740 <a href=\"https:\/\/www.vtmarkets.com\/tag\/inflation\/\" target=\"_blank\" rel=\"noopener\">\uc778\ud50c\ub808\uc774\uc158<\/a> \uc9c0\ud45c\ub294 \u2018\uace0\uae08\ub9ac \uc7a5\uae30\ud654\u2019 \uac00\ub2a5\uc131\uc744 \ud0a4\uc6b4\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ubb3c\uac00 \uc0c1\uc2b9\uc774 \uc27d\uac8c \uaebe\uc774\uc9c0 \uc54a\uc73c\uba74 \ubbf8 \uc5f0\ubc29\uc900\ube44\uc81c\ub3c4(Fed\u00b7\ubbf8\uad6d\uc758 \uc911\uc559\uc740\ud589)\uac00 \uae08\ub9ac \uc778\ud558\ub97c \uc815\ub2f9\ud654\ud558\uae30 \uc5b4\ub824\uc6cc\uc9c4\ub2e4. \ubb3c\uac00\uac00 \ub2e4\uc2dc \ub354 \uc624\ub974\uba74 \ub354 \uac15\ud55c \uae34\ucd95(\ud1b5\ud654\uae34\ucd95\u00b7\uae08\ub9ac\ub97c \uc62c\ub9ac\uac70\ub098 \uc720\ub3d9\uc131\uc744 \uc904\uc774\ub294 \uc815\ucc45)\ub3c4 \ub2e4\uc2dc \ub17c\uc758\ub420 \uc218 \uc788\ub2e4. <a href=\"https:\/\/www.vtmarkets.com\/economic-calendar\/\" target=\"_blank\" rel=\"noopener\">\uacbd\uc81c \uce98\ub9b0\ub354<\/a>\uc5d0\uc11c \uc8fc\uc694 \ubb3c\uac00 \uc9c0\ud45c \ubc1c\ud45c \uc77c\uc815\uc744 \ud655\uc778\ud560 \uc218 \uc788\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc740\ud589\uc5d0\ub294 \uc0c1\ubc18\ub41c \ud6a8\uacfc\uac00 \uc0dd\uae34\ub2e4. \uae08\ub9ac\uac00 \ub354 \uc624\ub974\uac70\ub098 \ub192\uc740 \uc218\uc900\uc744 \uc720\uc9c0\ud558\uba74 \uc774\uc790\uc218\uc775\uc744 \uacc4\uc18d \ub5a0\ubc1b\uce60 \uc218 \uc788\uc9c0\ub9cc, \ubcc0\ub3d9\uc131\uc774 \uc9c0\uc18d\ub418\uba74 \ucc44\uad8c \uac70\ub798 \uace0\uac1d\uc740 \uacc4\uc18d \uc870\uc2ec\uc2a4\ub7ec\uc6b8 \uc218 \uc788\ub2e4. \uacb0\uacfc\ub294 \u2018\uae08\ub9ac\uac00 \ub192\uc73c\ub0d0\u2019\ubcf4\ub2e4 \u2018\uae08\ub9ac\uac00 \uc5b4\ub5bb\uac8c \uc6c0\uc9c1\uc774\ub290\ub0d0\u2019\uc5d0 \ub2ec\ub824 \uc788\ub2e4. \ubaa8\uac74\uc2a4\ud0e0\ub9ac\ub294 \ucee8\uc13c\uc11c\uc2a4(\uc2dc\uc7a5 \uc608\uc0c1\uce58 \ud3c9\uade0)\ub97c \uc6c3\ub3cc\uc558\uc9c0\ub9cc \uc8fc\uac00\ub294 3.8% \ub0b4\ub838\uace0, \uacbd\uc601\uc9c4\ub3c4 \uae08\ub9ac \uc0c1\uc2b9, \uc9c0\uc815\ud559\uc801 \uae34\uc7a5, \uc790\uc0b0 \uac00\uce58\ud3c9\uac00(\ubc38\ub958\uc5d0\uc774\uc158\u00b7\uc790\uc0b0 \uac00\uaca9\uc774 \uc5bc\ub9c8\ub098 \ube44\uc2fc\uc9c0\/\uc2fc\uc9c0) \uace0\ud3c9\uac00\uc5d0 \ub530\ub978 \uc704\ud5d8\uc744 \uc5b8\uae09\ud588\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud22c\uc790\uc790\ub4e4\uc740 \ud45c\uba74\uc801\uc778 \uc2e4\uc801 \uc22b\uc790\ubcf4\ub2e4 \ud604 \uc0c1\ud669\uc774 \uc9c0\uc18d \uac00\ub2a5\ud55c\uc9c0\uc5d0 \ub354 \ucd08\uc810\uc744 \ub9de\ucd94\uace0 \uc788\ub2e4. \uc88b\uc740 \uc2e4\uc801\uc744 \ub0b8 \uae30\uc5c5\ub9c8\uc800\ub3c4 \uc870\uc2ec\uc2a4\ub7ec\uc6b4 \ud1a4\uc744 \ubcf4\uc774\uba74, \uc2e4\uc801 \ud638\uc7ac\uc758 \u2018\uac00\uaca9\u2019\uc740 \ub0ae\uc544\uc9c4\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4\ubd84\uae30 \uc804\ub9dd\uc744 \ud754\ub4e4 \uc218 \uc788\ub294 \uc694\uc778\uc740?<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\uc2dc\uc7a5 \uae30\ub300\uce58\ub97c \uc774\uae30\uae30(\uc11c\ud504\ub77c\uc774\uc988 \ub0b4\uae30)\uac00 \ub354 \uc5b4\ub824\uc6cc\uc9c0\uace0 \uc788\ub2e4<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\uc2a4\ud14c\uc774\ud2b8\uc2a4\ud2b8\ub9ac\ud2b8\ub294 \ub2f9\ucd08 2029\ub144\uae4c\uc9c0 \ub2ec\uc131\ud558\uaca0\ub2e4\uace0 \uc81c\uc2dc\ud588\ub358 \ubaa9\ud45c \uc911 \ubc95\uc778\uc138 \ucc28\uac10 \uc804 \uc774\uc775\ub960(\ud504\ub9ac\ud0dd\uc2a4 \ub9c8\uc9c4\u00b7\uc138\uae08 \ub0b4\uae30 \uc804\uc758 \uc218\uc775\uc131) 35%\uc640 \uc720\ud615\uc790\ubcf8\uc774\uc775\ub960(ROTE\u00b7\ubb34\ud615\uc790\uc0b0\uc744 \uc81c\uc678\ud55c \uc790\uae30\uc790\ubcf8 \ub300\ube44 \uc218\uc775\ub960) 20%\ub300 \uc911\ubc18\uc744 <a href=\"https:\/\/www.investing.com\/news\/company-news\/state-street-q3-2026-slides-record-metrics-muted-market-response-93CH-4949783\" target=\"_blank\" rel=\"noopener nofollow\">\uc774\ubbf8 \ub2ec\uc131<\/a>\ud588\ub2e4\uace0 \ubc1d\ud614\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774\ub294 \uc2e4\ud589\ub825\uc774 \uac15\ud558\ub2e4\ub294 \uc2e0\ud638\uc9c0\ub9cc, \ub3d9\uc2dc\uc5d0 \ud5a5\ud6c4 \uc2e4\uc801\uc5d0 \ub300\ud55c \ubb38\ud131\uc744 \ub192\uc778\ub2e4. \uba87 \ub144\uc5d0 \uac78\uccd0 \ub2ec\uc131\ud560 \uac83\uc73c\ub85c \uae30\ub300\ud588\ub358 \uc131\uacfc\ub97c \uc774\ubbf8 \ub0b4\ub193\uc740 \uae30\uc5c5\uc740, \ub9e4\ucd9c\uc774 \uc870\uae08\ub9cc \ubaa8\uc790\ub77c\ub3c4 \uc2dc\uc7a5\uc774 \uc2e4\ub9dd\ud560 \uc218 \uc788\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc2a4\ud14c\uc774\ud2b8\uc2a4\ud2b8\ub9ac\ud2b8\ub294 \ub9e4\ucd9c\uc774 \uc57d 1% \ubbf8\ub2ec\ud588\uc744 \ubfd0\uc778\ub370 \uc8fc\uac00\uac00 4% \ub5a8\uc5b4\uc84c\ub2e4. \uc2dc\uc7a5\uc740 \uc804 \ubd84\uae30 \ub300\ube44\uac00 \uc544\ub2c8\ub77c \u2018\uae30\ub300\uce58 \ub300\ube44\u2019\ub85c \ud3c9\uac00\ud55c\ub2e4\ub294 \uc810\uc744 \ubcf4\uc5ec\uc900\ub2e4.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\uac70\ub798 \ub454\ud654\uac00 \ub2e4\ub978 \uc0ac\uc5c5\uc73c\ub85c \ubc88\uc9c8 \uc218 \uc788\ub2e4<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\ubc45\ud06c\uc624\ube0c\uc544\uba54\ub9ac\uce74\uc758 \ud22c\uc790\uc740\ud589(IB\u00b7\uae30\uc5c5\uc758 \uc778\uc218\ud569\ubcd1 \uc790\ubb38, \uc8fc\uc2dd\u00b7\ucc44\uad8c \ubc1c\ud589 \ub4f1 \uc790\uae08\uc870\ub2ec\uc744 \ub3d5\ub294 \uc0ac\uc5c5) \ub9e4\ucd9c\uc740 11% \uac10\uc18c\ud55c 18\uc5b5\ub2ec\ub7ec\uc600\ub2e4. \uc2dc\uc7a5 \ubd88\ud655\uc2e4\uc131 \uc18d\uc5d0\uc11c \uae30\uc5c5\ub4e4\uc774 M&amp;A\ub098 \uc790\ubcf8\uc870\ub2ec \uacc4\ud68d\uc744 \ubbf8\ub8e8\uba74, \ucc44\uad8c \ud2b8\ub808\uc774\ub529 \ubd80\uc9c4\uc744 \ub118\uc5b4 \ucd94\uac00 \uc555\ubc15\uc774 \ub420 \uc218 \uc788\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub354 \ub290\ub9ac\uac8c \ub098\ud0c0\ub098\ub294 \uc704\ud5d8\ub3c4 \uc788\ub2e4. \ub300\ucd9c \uc790\uc0b0\uc758 \uac74\uc804\uc131(\ub300\ucd9c\uc744 \uc81c\ub54c \uac1a\ub294\uc9c0\uc5d0 \ub300\ud55c \uc0c1\ud0dc)\uc774\ub2e4. \ucc28\uc785 \ube44\uc6a9\uc774 \uc624\ub974\uba74 \uac00\uacc4\uc640 \uae30\uc5c5\uc774 \ube5a\uc744 \uac1a\uae30 \ub354 \uc5b4\ub824\uc6cc\uc9c4\ub2e4. \uc5f0\uccb4\uac00 \ub298\uba74 \uc740\ud589\uc740 \ub300\uc190\ucda9\ub2f9\uae08(\ud5a5\ud6c4 \ubd80\uc2e4\uc5d0 \ub300\ube44\ud574 \uc801\ub9bd\ud558\ub294 \ube44\uc6a9)\uc744 \ub354 \uc313\uc544\uc57c \ud558\uace0, \uc774\ub294 \ub298\uc5b4\ub09c \uc774\uc790\uc218\uc775 \uc77c\ubd80\ub97c \uc0c1\uc1c4\ud560 \uc218 \uc788\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774\ub7f0 \uc601\ud5a5\uc740 \uc2dc\uac04\uc774 \uac78\ub9b4 \uc218 \uc788\uc5b4, 4\ubd84\uae30\uc5d0\ub294 \uc2e0\uc6a9(\ub300\ucd9c) \uac74\uc804\uc131\uc774 \uc911\uc694\ud55c \uad00\uc804 \ud3ec\uc778\ud2b8\uac00 \ub41c\ub2e4.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\ubc45\ud06c\uc624\ube0c\uc544\uba54\ub9ac\uce74\ub294 \uaddc\uc81c\u00b7\uc2e4\ud589 \ub9ac\uc2a4\ud06c\uac00 \ud68c\uc0ac \uace0\uc720\uc758 \ubd80\ub2f4\uc73c\ub85c \ub354\ud574\uc9c4\ub2e4<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\ubc45\ud06c\uc624\ube0c\uc544\uba54\ub9ac\uce74\uc758 <a href=\"https:\/\/www.reuters.com\/legal\/legalindustry\/bofa-fined-12-billion-by-us-government-failing-police-suspicious-activity-2026-10-13\/\" target=\"_blank\" rel=\"noopener nofollow\">12\uc5b5\ub2ec\ub7ec \uaddc\uc81c \uad00\ub828 \ube44\uc6a9<\/a>\uc740 \uc218\uc2ed\uc5b5\ub2ec\ub7ec \uaddc\ubaa8\uc758 \uc758\uc2ec \uac70\ub798(\uc790\uae08\uc138\ud0c1 \ub4f1 \ubd88\ubc95 \uac00\ub2a5\uc131\uc774 \uc788\uc5b4 \ubcf4\uace0\ud574\uc57c \ud558\ub294 \uac70\ub798)\ub97c \ubcf4\uace0\ud558\uc9c0 \ubabb\ud55c \ub370 \ub530\ub978 \uac83\uc73c\ub85c, \ub0b4\ubd80 \ud1b5\uc81c(\ub9ac\uc2a4\ud06c \uad00\ub9ac\u00b7\uc900\ubc95 \uac10\uc2dc \uccb4\uacc4)\uc5d0 \ub300\ud55c \uc758\ubb38\uc744 \ud0a4\uc6e0\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud2b8\ub808\uc774\ub529 \uc131\uacfc\ub3c4 \uae30\ub300\uc5d0 \ubabb \ubbf8\ucce4\ub2e4. \uacbd\uc601\uc9c4\uc740 \uc55e\uc11c \ud2b8\ub808\uc774\ub529 \ub9e4\ucd9c\uc774 \ub300\uccb4\ub85c \u2018\ubcf4\ud569(\ud070 \ubcc0\ud654\uac00 \uc5c6\uc744 \uac83)\u2019\uc77c \uac83\uc774\ub77c\uace0 \uc2dc\uc0ac\ud588\uc9c0\ub9cc, \uc8fc\uc2dd\uacfc \ucc44\uad8c \ud2b8\ub808\uc774\ub529\uc744 \ud569\uce5c \ub9e4\ucd9c\uc740 5% \uac10\uc18c\ud588\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc6f0\uc2a4\ud30c\uace0\uc758 \uc560\ub110\ub9ac\uc2a4\ud2b8 \ub9c8\uc774\ud06c \uba54\uc774\uc694\ub294 \ubc45\ud06c\uc624\ube0c\uc544\uba54\ub9ac\uce74\uc758 \uc790\ubcf8\uc2dc\uc7a5 \uc2e4\uc801\uc744 \uc774\ubc88 \ubd84\uae30 <a href=\"https:\/\/home.treasury.gov\/news\/press-releases\/sb0657\/\" target=\"_blank\" rel=\"noopener nofollow\">\u201c\uc5c5\uacc4 \ucd5c\uc545 \uc218\uc900\u201d<\/a>\uc774\ub77c\uace0 \ud3c9\uac00\ud588\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub2e4\ub9cc \uc774\ub294 \uae08\ub9ac \ubb38\uc81c\uac00 \uc544\ub2c8\ub2e4. \uc6b0\ud638\uc801\uc778 \uae08\ub9ac \ud658\uacbd\uc774 \uc788\uc5b4\ub3c4 \ub0b4\ubd80 \ud1b5\uc81c \ubd80\uc2e4\uc774\ub098 \uac00\uc774\ub358\uc2a4(\ud68c\uc0ac \uce21 \uc2e4\uc801 \uc804\ub9dd) \ubbf8\ub2ec\uc744 \ub36e\uc5b4\uc8fc\uc9c0\ub294 \ubabb\ud55c\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc740\ud589 \uc2e4\uc801\uc774 \ub9d0\ud574\uc8fc\ub294 4\ubd84\uae30<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\ub300\ucd9c \uc911\uc2ec \uc740\ud589\uacfc \uc218\ud0c1\uc740\ud589\uc740 \uc774\uc790\uc218\uc775 \uac1c\uc120\uc758 \ud61c\ud0dd\uc744 \ubcf4\uace0 \uc788\uace0, \uc790\uc0b0\uc6b4\uc6a9\uc0ac\ub294 \ucc44\uad8c\ud615 \uc0c1\ud488\uc73c\ub85c \uc790\uae08\uc774 \uc720\uc785\ub418\uace0 \uc788\ub2e4. \ubc18\uba74 \uae08\ub9ac \ubcc0\ub3d9\uc131\uc740 \ud2b8\ub808\uc774\ub529 \uc0ac\uc5c5 \uc77c\ubd80\uc5d0 \ubd80\ub2f4\uc744 \uc92c\uace0, \ub51c(IB) \ubd80\uc9c4\uc774 \uc774\uc5b4\uc9c0\uba74 \uc555\ubc15\uc740 \ub354 \ucee4\uc9c8 \uc218 \uc788\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">4\ubd84\uae30\uc758 \uad00\uac74\uc740 \uc774\uc790\uc218\uc775\uc774 \ucc44\uad8c \ud2b8\ub808\uc774\ub529\uacfc \ub51c \ud65c\ub3d9 \uac10\uc18c\ubcf4\ub2e4 \ub354 \ube60\ub974\uac8c \ub298\uc5b4\ub0a0 \uc218 \uc788\ub290\ub0d0\ub2e4. \uc778\ud50c\ub808\uc774\uc158\uc774 \ub192\uc740 \uc218\uc900\uc5d0\uc11c \uc720\uc9c0\ub418\uace0 \ucc44\uad8c\uc2dc\uc7a5\uc774 \uacc4\uc18d \ubd88\uc548\ud558\uba74, \uc774\uc790\uc218\uc775\uc73c\ub85c \ubc84\ub294 \uae30\uc5c5\uacfc \uac70\ub798\ub7c9\uc5d0 \uc758\uc874\ud558\ub294 \uae30\uc5c5 \uac04 \uaca9\ucc28\uac00 \ub354 \ucee4\uc9c8 \uc218 \uc788\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub2e4\uc74c \uc138 \uac00\uc9c0\ub97c \uc9c0\ucf1c\ubcfc \ub9cc\ud558\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\ub2e4\uc74c \ubb3c\uac00 \uc9c0\ud45c:<\/strong> \uc774\ub294 <a href=\"https:\/\/www.vtmarkets.com\/opinion\/the-inflation-measure-keeping-the-fed-cautious\/\" target=\"_blank\" rel=\"noopener\">\uc5f0\uc900\uc758 \uae08\ub9ac \uacbd\ub85c(\uc55e\uc73c\ub85c \uae08\ub9ac\ub97c \uc5b4\ub5bb\uac8c \uc6c0\uc9c1\uc77c\uc9c0\uc5d0 \ub300\ud55c \uc608\uc0c1)<\/a>\uc5d0 \ub300\ud55c \uae30\ub300\ub97c \ubc14\uafc0 \uc218 \uc788\ub2e4.<\/li>\n\n\n\n<li><strong>\ud2b8\ub808\uc774\ub529\u00b7\ud22c\uc790\uc740\ud589 \uac00\uc774\ub358\uc2a4:<\/strong> \ub2e4\uc74c \uc2e4\uc801 \ubc1c\ud45c\uc5d0\uc11c <a href=\"https:\/\/www.vtmarkets.com\/cfd-bonds\/\" target=\"_blank\" rel=\"noopener\">\ucc44\uad8c\uc2dc\uc7a5 \uac70\ub798<\/a>\uc640 \ub51c \ud30c\uc774\ud504\ub77c\uc778(\uc608\uc0c1\ub418\ub294 \uac70\ub798\u00b7\uc218\uc8fc \ubb3c\ub7c9)\uc774 \ud68c\ubcf5\ub418\ub294\uc9c0, \ub354 \uc57d\ud574\uc9c0\ub294\uc9c0 \ud655\uc778\ud560 \uc218 \uc788\ub2e4.<\/li>\n\n\n\n<li><strong>\uc2e0\uc6a9 \uac74\uc804\uc131\uacfc \uaddc\uc81c \ube44\uc6a9:<\/strong> AI \uc5f4\ud48d\uc5d0\uc11c \ubd24\ub358 \uac83\ucc98\ub7fc(<a href=\"https:\/\/www.vtmarkets.com\/en-mena\/opinion\/the-ai-boom-just-opened-a-credit-line\/\" target=\"_blank\" rel=\"noopener\">AI\ub97c \uacc4\uae30\ub85c \uc2e0\uc6a9\uc774 \ube60\ub974\uac8c \ub298\uc5b4\ub098\ub294 \ud604\uc0c1<\/a> \ub4f1) \ucc28\uc8fc\uc758 \uc2a4\ud2b8\ub808\uc2a4(\uc0c1\ud658 \ubd80\ub2f4)\uac00 \ucee4\uc9c0\uba74 \uc774\uc790\uc218\uc775 \uc99d\uac00\ubd84\uc774 \uae4e\uc77c \uc218 \uc788\uace0, \ud68c\uc0ac\ubcc4 \uc900\ubc95\u00b7\uaddc\uc81c \uc774\uc288\ub294 \uac1c\ubcc4 \uc740\ud589 \uc8fc\uac00\uc5d0 \uacc4\uc18d \ubd80\ub2f4\uc774 \ub420 \uc218 \uc788\ub2e4.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">VT \ub9c8\ucf13\uc5d0\uc11c \uc8fc\uc2dd CFD\ub85c \uc740\ud589\uc8fc \uac70\ub798\ud558\uae30<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.vtmarkets.com\/discover\/earnings-season-trading-results-guidance-volatility\/\" target=\"_blank\" rel=\"noopener\">\uc5b4\ub2dd \uc2dc\uc98c(\uae30\uc5c5\ub4e4\uc774 \uc2e4\uc801\uc744 \ubc1c\ud45c\ud558\ub294 \uae30\uac04)<\/a>\uc5d0\ub294 \uc740\ud589\uc8fc \ubcc0\ub3d9\ud3ed\uc774 \ucee4\uc9c0\ub294 \uacbd\uc6b0\uac00 \ub9ce\uace0, \uc774\ubc88 \uc8fc\ub3c4 \ubc29\ud5a5\uc774 \uc5c7\uac08\ub9b4 \uc218 \uc788\uc74c\uc744 \ubcf4\uc5ec\uc92c\ub2e4. VT \ub9c8\ucf13\uc5d0\uc11c\ub294 \ubaa8\uac74\uc2a4\ud0e0\ub9ac, \uc2a4\ud14c\uc774\ud2b8\uc2a4\ud2b8\ub9ac\ud2b8, \ube14\ub799\ub85d, \ubc45\ud06c\uc624\ube0c\uc544\uba54\ub9ac\uce74\uc758 \uc8fc\uc2dd CFD\ub97c \uac70\ub798\ud560 \uc218 \uc788\ub2e4. \uc774\ub294 \uc2e4\uc81c \uc8fc\uc2dd\uc744 \uc804\uc561 \ub9e4\uc218\ud574 \ubcf4\uc720\ud558\uc9c0 \uc54a\uace0\ub3c4 \uc8fc\uac00 \uc0c1\uc2b9 \ub610\ub294 \ud558\ub77d\uc5d0 \ub300\ud55c \uc804\ub9dd\uc744 \uac70\ub798\ub85c \ud45c\ud604\ud560 \uc218 \uc788\uac8c \ud574\uc900\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><strong><a href=\"https:\/\/myaccount.vtmarkets.com\/login\/?utm_source=Opinion&amp;utm_content=BanksEarnbeat\" target=\"_blank\" rel=\"noopener\">\uc624\ub298 \uacc4\uc88c \ub9cc\ub4e4\uae30<\/a> | <a href=\"https:\/\/www.vtmarkets.com\/demo-account\/?utm_source=Opinion&amp;utm_content=BanksEarnbeat\" target=\"_blank\" rel=\"noopener\">\ub370\ubaa8(\ubaa8\uc758) \uacc4\uc88c \uccb4\ud5d8<\/a> | <a href=\"https:\/\/www.vtmarkets.com\/vt-markets-app\/?utm_source=Opinion&amp;utm_content=BanksEarnbeat\" target=\"_blank\" rel=\"noopener\">VT \ub9c8\ucf13 \uc571 \ub2e4\uc6b4\ub85c\ub4dc<\/a><\/strong><\/strong><\/p>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>\ud2b8\ub808\uc774\ub354\uc6a9 TL;DR(\uc694\uc57d) \ubcf4\uae30<\/strong><\/summary>\n<p class=\"wp-block-paragraph\"><br><strong>3\ubd84\uae30 \uc2e4\uc801\uc774 \uc88b\uc740\ub370\ub3c4 \uc740\ud589\uc8fc\uac00 \ud558\ub77d\ud55c \uc774\uc720\ub294?<\/strong> <br>\uc608\uc0c1\ubcf4\ub2e4 \ub192\uc740 \uc778\ud50c\ub808\uc774\uc158\uacfc \uc2dc\uc7a5 \uc804\ubc18\uc758 \ub9e4\ub3c4\uc138\uac00 \ud22c\uc790\uc2ec\ub9ac\ub97c \uc545\ud654\uc2dc\ucf30\uace0, \ud2b8\ub808\uc774\ub529 \ub9e4\ucd9c \ubd80\uc9c4\uacfc \ud68c\uc0ac\ubcc4 \uc774\uc288\uac00 \ud22c\uc790\uc790 \uae30\ub300\uc5d0 \ubabb \ubbf8\ucce4\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uae08\ub9ac \uc0c1\uc2b9\uc740 \uc740\ud589 \uc2e4\uc801\uc5d0 \uc5b4\ub5a4 \uc601\ud5a5\uc744 \uc8fc\ub098?<\/strong> <br>\uae08\ub9ac \uc0c1\uc2b9\uc740 \ub300\ucd9c\u00b7\ud22c\uc790\uc5d0\uc11c\uc758 \uc21c\uc774\uc790\uc774\uc775\uc744 \ub298\ub9b4 \uc218 \uc788\uc9c0\ub9cc, \uae08\ub9ac\uac00 \ube60\ub974\uac8c \uc6c0\uc9c1\uc774\uba74 \ucc44\uad8c \uac70\ub798\uc640 \ub51c(M&amp;A\u00b7\uc790\uae08\uc870\ub2ec \ub4f1) \ud65c\ub3d9\uc774 \uc704\ucd95\ub420 \uc218 \uc788\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2026\ub144 3\ubd84\uae30\uc5d0 \uae08\ub9ac \uc0c1\uc2b9 \uc218\ud61c\ub97c \ubcf8 \uae08\uc735\uc0ac\ub294?<\/strong> <br>\uc2a4\ud14c\uc774\ud2b8\uc2a4\ud2b8\ub9ac\ud2b8\ub294 \uc21c\uc774\uc790\uc774\uc775\uc774 21% \uc99d\uac00\ud588\uace0, \ube14\ub799\ub85d\uc740 \ucc44\uad8c\ud615 \uc0c1\ud488\uc73c\ub85c 782\uc5b5\ub2ec\ub7ec\uc758 \uc21c\uc720\uc785\uc744 \ub04c\uc5b4\uc654\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2026\ub144 4\ubd84\uae30 \uc740\ud589\uc8fc \uc8fc\uc694 \ub9ac\uc2a4\ud06c\ub294?<\/strong> <br>\uc778\ud50c\ub808\uc774\uc158 \uc9c0\uc18d, \ud2b8\ub808\uc774\ub529 \ub454\ud654, \ub51c \ud65c\ub3d9 \ub454\ud654, \ub300\ucd9c \uac74\uc804\uc131 \uc545\ud654, \uaddc\uc81c \ube44\uc6a9\uc774 \uc2e4\uc801\uc744 \uc555\ubc15\ud560 \uc218 \uc788\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>4\ubd84\uae30 \uc2e4\uc801\uc744 \uc55e\ub450\uace0 \ud2b8\ub808\uc774\ub354\uac00 \ubb34\uc5c7\uc744 \ubd10\uc57c \ud558\ub098?<\/strong> <br>\ubb3c\uac00 \uc9c0\ud45c, \uc5f0\uc900 \uae08\ub9ac \uae30\ub300, \ucc44\uad8c \ud2b8\ub808\uc774\ub529 \ub9e4\ucd9c, \ud22c\uc790\uc740\ud589 \ud65c\ub3d9, \uc2e0\uc6a9 \uac74\uc804\uc131\uc740 \uc5b4\ub5a4 \uae08\uc735\uc0ac\uac00 \uc720\ub9ac\ud55c\uc9c0 \uac00\ub2a0\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub420 \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>\uc6d4\uac00 3\ubd84\uae30, \uc2e4\uc801 \uc11c\ud504\ub77c\uc774\uc988\ub3c4 \uc8fc\uac00\uc5d4 \ub3c5? \uace0\uae08\ub9ac\u00b7\ubcc0\ub3d9\uc131\uc774 \uc774\uc790\uc218\uc775\uacfc \ucc44\uad8c\ud2b8\ub808\uc774\ub529\u00b7\ub51c\uc744 \uac08\ub77c\ub1a8\ub2e4. \uc2a4\ud14c\uc774\ud2b8\uc2a4\ud2b8\ub9ac\ud2b8\u00b7\ube14\ub799\ub85d\uc740 \uc218\ud61c, BofA\ub294 \uaddc\uc81c\ube44\uc6a9 \ubd80\ub2f4. 4\ubd84\uae30 \uad00\uac74\uc740 \ubb3c\uac00\u00b7\uac70\ub798\u00b7\uc2e0\uc6a9.<\/p>\n","protected":false},"author":91,"featured_media":69669,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[49],"tags":[],"class_list":["post-69670","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","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=\"\uc6d4\uac00 3\ubd84\uae30, \uc2e4\uc801 \uc11c\ud504\ub77c\uc774\uc988\ub3c4 \uc8fc\uac00\uc5d4 \ub3c5? \uace0\uae08\ub9ac\u00b7\ubcc0\ub3d9\uc131\uc774 \uc774\uc790\uc218\uc775\uacfc \ucc44\uad8c\ud2b8\ub808\uc774\ub529\u00b7\ub51c\uc744 \uac08\ub77c\ub1a8\ub2e4. \uc2a4\ud14c\uc774\ud2b8\uc2a4\ud2b8\ub9ac\ud2b8\u00b7\ube14\ub799\ub85d\uc740 \uc218\ud61c, BofA\ub294 \uaddc\uc81c\ube44\uc6a9 \ubd80\ub2f4. 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