{"id":48691,"date":"2026-08-05T09:02:21","date_gmt":"2026-08-05T00:02:21","guid":{"rendered":"https:\/\/blog.agentsoft.co.kr\/index.php\/2026\/08\/05\/48691\/"},"modified":"2026-08-05T09:02:21","modified_gmt":"2026-08-05T00:02:21","slug":"%eb%af%b8%ea%b5%ad-%ec%84%9c%eb%b8%8c%ed%94%84%eb%9d%bc%ec%9e%84-%ea%b8%88%ec%9c%b5%ec%9c%84%ea%b8%b0-a","status":"publish","type":"post","link":"https:\/\/blog.agentsoft.co.kr\/index.php\/2026\/08\/05\/48691\/","title":{"rendered":"\ubbf8\uad6d \uc11c\ube0c\ud504\ub77c\uc784 \uae08\uc735\uc704\uae30 A+"},"content":{"rendered":"

<\/p>\n

\ubaa9\ucc28<\/strong><\/p>\n

1. \uc11c\ub860<\/p>\n

2. \uc11c\ube0c\ud504\ub77c\uc784 \uae08\uc735\uc704\uae30 \uc0ac\ud0dc
\n2-1. \uac1c\uc694
\n2-2. \uc6d0\uc778 \ubc0f \ud2b9\uc9d5
\n2-3. \ud68c\ubcf5\uacfc\uc815<\/p>\n

3. \uacb0\ub860
\n(\uae08\uc735\uc704\uae30 \uc7ac\ubc1c\ubc29\uc9c0\uc5d0 \ub300\ud55c \ubcf8\uc778\uad00\uc810\uc5d0\uc11c\uc758 \uc81c\uc5b8)<\/p>\n

\ubcf8\ubb38\ub0b4\uc6a9<\/strong><\/p>\n

1. \uc11c\ub860
\n\ucd5c\uadfc \uad6d\ub0b4 \ubd80\ub3d9\uc0b0 \uc2dc\uc7a5\uc758 \ub300\ucd9c\uc744 \uc774\uc6a9\ud55c \uac2d \ud22c\uc790\uac00 \uc131\ud589\ud558\uba70 \uc9d1\uac12\uc774 \ucc9c\uc815\ubd80\uc9c0\ub85c \uce58\uc19f\uace0 \uc788\ub2e4. \uc774\ub807\ub4ef \ub2e8\uae30\uac04 \ub0b4\uc5d0 \ud3ed\ub4f1\ud558\ub294 \uc9d1\uac12\uc5d0\ub294 \uac70\ud488\uc774 \uaef4\uc788\uae30 \ub9c8\ub828\uc778\ub370, \ucf54\ub85c\ub09819\uc0ac\ud0dc\ub85c \uc778\ud55c \ubc94\uc138\uacc4\uc801 \uacbd\uc81c \ub9c8\ube44\uae4c\uc9c0 \uacb9\uccd0\uc838 \uc788\ub294 \uc2dc\uc810\uc5d0\uc11c \uc774\ub7ec\ud55c \uad6d\ub0b4\uc758 \ud604 \uc0ac\ud0dc\ub294 \ubbf8\uad6d\uc758 \uc11c\ube0c\ud504\ub77c\uc784 \ubaa8\uae30\uc9c0 \uc0ac\ud0dc\uc640 \uac19\uc740 \uacbd\uc81c \ubab0\ub77d\uc758 \uadf9\ub2e8\uc801\uc778 \uc0ac\ub840\ub97c \uc608\uc0c1\ud558\uac8c \ud55c\ub2e4. \uad6d\ub0b4\uc758 \ud604 \uc0ac\ud0dc\uc640 \ubc00\uc811\ud558\uac8c \ub2ee\uc544\uc788\ub294 \uc11c\ube0c\ud504\ub77c\uc784 \ubaa8\uae30\uc9c0\ub860\uc5d0 \ub300\ud574 \ub2e4\uc74c\uc5d0\uc11c \uae30\uc220\ud574\ubcf4\ub824 \ud55c\ub2e4.<\/p>\n

2. \uc11c\ube0c\ud504\ub77c\uc784 \uae08\uc735\uc704\uae30 \uc0ac\ud0dc
\n\u2474 \uac1c\uc694
\n\ubaa8\uae30\uc9c0\ub860 \uc0ac\ud0dc\ub77c\uace0\ub3c4 \ud558\uba70 \ube44\uc6b0\ub7c9 \uc8fc\ud0dd \ub2f4\ubcf4\ub300\ucd9c\uc774\ub77c\uace0 \ud574\uc11d\ud560 \uc218 \uc788\ub2e4. \ubbf8\uad6d \uc8fc\ud0dd \ub2f4\ubcf4\ub300\ucd9c\uc5d0\ub294 \ub2e4\uc591\ud55c \uc2e0\uc6a9\ub4f1\uae09\uc774 \uc788\ub294\ub370 \uadf8\uc911 \ud504\ub77c\uc784(Prime)\ub780 \ud655\uc2e4\ud55c \uc218\uc785 \ubc0f \uc7ac\uc0b0\uc744 \uac00\uc9c0\uace0 \uc788\ub294 \ubbf8\uad6d\uc758 \uc8fc\ud0dd \ub2f4\ubcf4 \uc2e0\uc6a9\ub4f1\uae09\uc744 \uc774\uc57c\uae30\ud55c\ub2e4. \ub300\ucd9c\uc744 \uc9c4\ud589\ud558\ub354\ub77c\ub3c4 \ub300\ucd9c\uc6d0\uae08 \ubc0f \uc774\uc790\ub97c \uc815\ud655\ud788 \ud68c\uc218 \ud65c \ud655\ub960\uc774 \ub9e4\uc6b0 \ub192\uc73c\uba70 \uc6b0\ub9ac\ub098\ub77c\uc758 1~2\ub4f1\uae09\uc758 \uc2e0\uc6a9\ub4f1\uae09\uacfc \ube44\uc2b7\ud558\ub2e4\uace0 \ubcfc \uc218 \uc788\ub2e4. \uadf8\ub2e4\uc74c \ub4f1\uae09\uc73c\ub85c\ub294 \uc54c\ud2b8-A(Alternative-A) \ub4f1\uae09\uc774 \uc788\uace0 \ub9c8\uc9c0\ub9c9\uc73c\ub85c \ubaa8\uae30\uc9c0\ub860 \uc0ac\ud0dc\uc758 \uc911\uc2ec, \uae08\uc735\uac70\ub798 \uae30\ub85d\uc774 \uc5c6\uac70\ub098 \uc18c\ub4dd\uc774 \ud604\uc800\ud788 \ub0ae\uc740 \uc800\uc2e0\uc6a9\uc790, \uc989 \uc11c\ube0c \ud504\ub77c\uc784(Sub-prime) \ub4f1\uae09\uc774 \uc788\ub2e4. \uadf8\ub9ac\uace0 \ubaa8\uae30\uc9c0(Sub-prime Mortgage)\ub780 \u2018\ub2f4\ubcf4\u2019\ub098 \u2018\uc800\ub2f9\u2019\uc744 \ub73b\ud558\ub294\ub370 \ud754\ud788 \ubaa8\uae30\uc9c0\ub860(mortgage loan)\uc774\ub77c \ud558\uba70 \ubd80\ub3d9\uc0b0\uc744 \ub2f4\ubcf4\ub85c \uc7a1\uace0 \uc8fc\ud0dd\uc790\uae08\uc744 \uc7a5\uae30\uac04 \ub300\ucd9c\ud574 \uc8fc\ub294 \uc81c\ub3c4\ub97c \ub9d0\ud55c\ub2e4.<\/p>\n

\ucd9c\ucc98 : \ud574\ud53c\ucea0\ud37c\uc2a4<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

\ubaa9\ucc28 1. \uc11c\ub860 2. \uc11c\ube0c\ud504\ub77c\uc784 \uae08\uc735\uc704\uae30 \uc0ac\ud0dc 2-1. \uac1c\uc694 2-2. \uc6d0\uc778 \ubc0f \ud2b9\uc9d5 2-3. \ud68c\ubcf5\uacfc\uc815 3. \uacb0\ub860 (\uae08\uc735\uc704\uae30 \uc7ac\ubc1c\ubc29\uc9c0\uc5d0 \ub300\ud55c \ubcf8\uc778\uad00\uc810\uc5d0\uc11c\uc758 \uc81c\uc5b8) \ubcf8\ubb38\ub0b4\uc6a9 1. \uc11c\ub860 \ucd5c\uadfc \uad6d\ub0b4 \ubd80\ub3d9\uc0b0 \uc2dc\uc7a5\uc758 \ub300\ucd9c\uc744 \uc774\uc6a9\ud55c \uac2d \ud22c\uc790\uac00 \uc131\ud589\ud558\uba70 \uc9d1\uac12\uc774 \ucc9c\uc815\ubd80\uc9c0\ub85c \uce58\uc19f\uace0 \uc788\ub2e4. \uc774\ub807\ub4ef \ub2e8\uae30\uac04 \ub0b4\uc5d0 \ud3ed\ub4f1\ud558\ub294 \uc9d1\uac12\uc5d0\ub294 \uac70\ud488\uc774 \uaef4\uc788\uae30 \ub9c8\ub828\uc778\ub370, \ucf54\ub85c\ub09819\uc0ac\ud0dc\ub85c \uc778\ud55c \ubc94\uc138\uacc4\uc801 \uacbd\uc81c \ub9c8\ube44\uae4c\uc9c0 \uacb9\uccd0\uc838 \uc788\ub294 \uc2dc\uc810\uc5d0\uc11c \uc774\ub7ec\ud55c […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[9301,34014],"class_list":["post-48691","post","type-post","status-publish","format-standard","hentry","category-uncategorized","tag-__aa","tag-34014"],"_links":{"self":[{"href":"https:\/\/blog.agentsoft.co.kr\/index.php\/wp-json\/wp\/v2\/posts\/48691","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.agentsoft.co.kr\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.agentsoft.co.kr\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.agentsoft.co.kr\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.agentsoft.co.kr\/index.php\/wp-json\/wp\/v2\/comments?post=48691"}],"version-history":[{"count":0,"href":"https:\/\/blog.agentsoft.co.kr\/index.php\/wp-json\/wp\/v2\/posts\/48691\/revisions"}],"wp:attachment":[{"href":"https:\/\/blog.agentsoft.co.kr\/index.php\/wp-json\/wp\/v2\/media?parent=48691"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.agentsoft.co.kr\/index.php\/wp-json\/wp\/v2\/categories?post=48691"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.agentsoft.co.kr\/index.php\/wp-json\/wp\/v2\/tags?post=48691"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}