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                          ¸ñµ¿½Å½Ã°¡Áö ¾ÆÆÄÆ® Àç°ÇÃà °¡Ä¡ Æò°¡ ¹æ¹ý¿¡ ´ëÇÏ¿©(1-2)


9.1 ºÎµ¿»ê ´ëÃ¥ÀÇ ÃÖ´ë ¼öÇýÁö´Â ¸ñµ¿ÀÌ ¸Â´Â °Í °°½À´Ï´Ù.

ÀÌÁ¦ õõÈ÷ ¸ñµ¿ ¾ÆÆÄÆ®´Â Àç°ÇÃà ¾ÆÆÄÆ®·Î ÀÚ¸®¸Å±èÀ» ÇÏ´Â °Í °°°í,

ÀÌ¿¡ µû¶ó ¸ñµ¿ ¾ÆÆÄÆ®ÀÇ °¡Ä¡µµ Á¶±Ý¾¿ ¿Ã¶ó°¡´Â °Í °°½À´Ï´Ù.

½ÉÁö¾î´Â °­³²¿¡¼­ ¸Å¹°À» ÀϺΠ¾µ¾î°£ ÀÌÈÄ, ¿À¸¥ °¡°ÝÀÇ ¸Å¹°µµ ¾¾°¡ ¸»¶ó¼­

ºÎµ¿»ê »ç¹«¼Ò´Â ¿ÀÈ÷·Á ¿ï»óÀ̶ó°í Çϳ׿ä.

ÈæÀÚ´Â ÇöÀçÀÇ Àç°ÇÃà ¿­Ç³ÀÌ ÀϽÃÀûÀ̶ó°í ¸»Çϱ⵵ ÇÏÁö¸¸, Á¦ °³ÀÎÀû »ý°¢¿¡´Â ¾ÆÁ÷ Àç°ÇÃà °¡Ä¡°¡ ½Ã¼¼¿¡ ÀüºÎ ¹Ý¿µµÈ ´Ü°è´Â ¾Æ´Ï¶ó°í º¾´Ï´Ù.

Àç°ÇÃàÀº ÀϹݾÆÆÄÆ®¿Í °¡Ä¡¸¦ º¸´Â ¹æ½ÄÀÌ ´Ù¸¨´Ï´Ù.

1. ´ëÁöÁöºÐ

= ´ëÁöÁöºÐÀº ¾ÆÆÄÆ®¿¡¼­ ÀÚ½ÅÀÇ ¶¥ÀÇ ±Ç¸® ºñÀ²À» ÀǹÌÇÕ´Ï´Ù.

±×·±µ¥, ¸ñµ¿½Å½Ã°¡Áö¿¡¼­ ÈçÈ÷ ÇÏ´Â ¿ÀÇØ Áß Çϳª°¡,

´ÜÁö ³»¿¡ µ¿ÀÏÆòÇüÀÇ °íÃþ°ú ÀúÃþÀÌ ÀÖ´Ù¸é, ÀúÃþÀÌ ´ëÁöÁöºÐÀÇ ÈξÀ Å©´Ù°íµé ¸¹ÀÌ »ý°¢ÇϽʴϴÙ.

±×·±µ¥, ½ÇÁ¦·Ð Å©°Ô Â÷ÀÌ°¡ ³ªÁö ¾Ê½À´Ï´Ù.

´ëÁöÁöºÐÀº (Àü¿ë¸éÀû/Àüü´ëÁö)·Î »êÃâÇÏ°Ô µÇ´Âµ¥,

µ¿ÀÏÆòÇü ÀúÃþÀÇ °æ¿ì, Àü¿ë¸éÀûÀÌ °íÃþ´ëºñ Á¶±Ý ³Ð¾î¼­ ±× ³ÐÀº ¸¸Å­ ¸¸ ´ëÁöÁöºÐÀÌ ³Ð½À´Ï´Ù.

= Àç°ÇÃàÀº °Ç¹°À» ö°ÅÇÏ°í, ¶¥¿¡ »õ·Î °Ç¹°À» Áþ´Â °³³äÀ̱⠶§¹®¿¡,

ÇöÀç ÆòÇüÀº ÀüÇô Áß¿äÇÏÁö ¾Ê½À´Ï´Ù. ¾îÂ÷ÇÇ Ã¶°ÅµÉ ´ë»óÀ̴ϱñ¿ä.

¿¹¸¦µé¾î,

A ¾ÆÆÄÆ® 20Æò ´ëÁöÁöºÐ 15Æò

B ¾ÆÆÄÆ® 32Æò ´ëÁöÁöºÐ 14Æò

A,B ¾ÆÆÄÆ®°¡ À¯»çÇÑ ÀÔÁö¿¡ ÀÖÀ» °æ¿ì, °ú°Å¿£ B¾ÆÆÄÆ®ÀÇ °¡Ä¡°¡ ´õ ³ô ¾ÒÀ» °ÍÀÔ´Ï´Ù.

±×·±µ¥ Àç°ÇÃàÀ» ÇÒ¶ì´Â A¾ÆÆÄÆ®°¡ ´ëÁöÁöºÐÀÌ 1Æò ´õ ¸¹±â ¶§¹®¿¡ ´õ °¡Ä¡°¡ ´õ ³ô½À´Ï´Ù.

°Ô´Ù°¡ Àç°ÇÃà ÀÌÁÖºñÀÇ °æ¿ìµµ, A¾ÆÆÄÆ®´Â 20Æò ¸¸Å­ ÀÌÁÖºñ°¡ µå´Ï ´õ Àû°Ô µì´Ï´Ù.

= °­³², ¹ÝÆ÷, Àá½ÇÀÇ Àç°ÇÃà ¾ÆÆÄÆ®ÀÇ °æ¿ì ºÎµ¿»ê ºí·Î±× °°Àº°÷¿¡ Àß Á¤¸® µÇ¾î ÀÖÀ¸³ª, ¸ñµ¿ÀÇ °æ¿ì, ±×µ¿¾È Àç°ÇÃà ¾ÆÆÄÆ®·Î ºÐ·ùµÇÁö ¾Ê¾Æ Á¤º¸¸¦ ã±â Èûµé¾ú½À´Ï´Ù.

±×·±µ¥ ÃÖ±Ù ¸ñµ¿ ½Å½Ã°¡Áö ¾ÆÆÄÆ®ÀÇ ´ëÁöÁöºÐÀ» Á¤¸®ÇÑ ºÎµ¿»êÀÌ º¸À̱⠽ÃÀÛÇÏ´Â µí ÇÕ´Ï´Ù.

2. ¹«»óÁöºÐÀ²

= ¹«»ó ÁöºÐÀ²À̶õ, ÀÚ½ÅÀÇ ÁöºÐ´ëºñ Ãß°¡ºÐ´ã±Ý ¾øÀÌ °¥¼ö ÀÖ´Â ºñÀ²À» ÀÇ ¹Ì ÇÕ´Ï´Ù.

¿¹¸¦ µé¾î,

A¾ÆÆÄÆ® 20ÆòÀÇ ´ëÁöÁöºÐÀº 15ÆòÀÌ°í, ¹«»óÁöºÐÀ²ÀÌ 180% ¶ó°í °¡Á¤Çϸé,

A¾ÆÆÄÆ® 20ÆòÀ» ¼ÒÀ¯ÇÑ »ç¶÷Àº Àç°ÇÃà ½Ã,

(¹«»óÀ¸·Î °¥ ¼ö ÀÖ´Â ÆòÇü = ´ëÁöÁöºÐ * ¹«»óÁöºÐÀ²) >15Æò*1.8 = 27Æò

Ãß°¡ºÐ´ã±Ý ¾øÀÌ 27ÆòÀ¸·Î °¥¼ö ÀÖ½À´Ï´Ù.

= ¹«»óÁöºÐÀ²¸¦ ¾Æ·¡ ½ÄÀ¸·Î »êÃâ °¡´ÉÇÕ´Ï´Ù.

(¹«»óÁöºÐÀ² = ½ÇÁú¿ëÀûÀ² - (½ÇÁú¿ëÀûÀ²*Æò´çÃѺñ¿ë/Æò´çºÐ¾ç°¡)

3Á¾ ÁÖ°ÅÁöÀÏ °æ¿ì, ½ÇÁú¿ëÀûÀ²Àº 240% Á¤µµÀÌ°í,

Æò´çÃѺñ¿ëÀº 700-800¸¸¿ø Á¤µµ ¿¹»óÇÏ¸é µË´Ï´Ù.

(ÃѺñ¿ëÀ̶õ, °ÇÃàºñ, ÀÌÁÖºñ, Á¶Çտºñ µî ÃÑ ´õÇÑ ºñ¿ëÀÔ´Ï´Ù. 

= ¹«»óÁöºÐÀ²ÀÌ ³ôÀ¸¸é ³ôÀ»¼ö·Ï À¯¸®Çѵ¥, ´Ù¸¥ ¿ä¼ÒµéÀº Å« Â÷ÀÌ°¡ ¾ø´Â ¿ä¼ÒÀÌ°í, °¡Àå Áß¿äÇÑ°Ç, Àç°ÇÃà

½Ã, ¾ó¸¶¿¡ ºÐ¾ç°¡´ÉÇϳÄÀÔ´Ï´Ù.

½±°Ô ¸»ÇØ ºÐ¾ç°¡°¡ ³ôÀ¸¸é ³ôÀ»¼ö·Ï, ¹«»óÁöºÐÀ²ÀÌ ³ô¾ÆÁý´Ï´Ù.

Àç°ÇÃà ½Ã, °­³²°ú ¸ñµ¿°ú °°ÀÌ ³ôÀº ºÐ¾ç°¡°¡ °¡´ÉÇÑ Áö¿ªÀÌ À¯¸®ÇÑ ÀÌÀ¯ÀÔ ´Ï´Ù.

¾Æ·¡´Â 3Á¾ ÁÖ°ÅÁö ½ÇÁú¿ëÀûÀ² 240% Æò´çÃѺñ¿ë 750¸¸¿ø ±âÁØÀ¸·Î »êÃâÇÑ °á°úÀÔ´Ï´Ù.


Æò´ç ºÐ¾ç°¡

¹«»óÁöºÐÀ²

3,000¸¸¿ø

180%

2,600¸¸¿ø

171%

2,400¸¸¿ø

165%

2,000¸¸¿ø

150%

 

3. ÁöºÐ°¡Ä¡

= Àç°ÇÃà ¾ÆÆÄÆ®´Â ´ëÁöÁöºÐÀÇ °¡Ä¡·Î Æò°¡¸¦ ¹Þ°Ô µÇ´Âµ¥,

¹«»óÁöºÐÀ²ÀÇ °³³äÀ» ÀÌÇØÇϸé, ´ëÁöÁöºÐÀÇ °¡Ä¡¸¦ ¿¹ÃøÇÒ¼ö ÀÖ½À´Ï´Ù.

(´ëÁöÁöºÐ Æò´ç °¡Ä¡ = Æò´çºÐ¾ç°¡ * ¹«»óÁöºÐÀ²)

 

Æò´çºÐ¾ç°¡

¹«»óÁöºÐÀ²

´ëÁöÁöºÐ Æò´ç °¡Ä¡

3,000 ¸¸¿ø

180%

5.400 ¸¸¿ø

2,600 ¸¸¿ø

171%

4,450 ¸¸¿ø

2,400 ¸¸¿ø

165%

3,960 ¸¸¿ø

2,000 ¸¸¿ø

150%

3,000 ¸¸¿ø

 

½ÇÁ¦·Î, ÇöÀç Àç°ÇÃà Á÷ÀüÀÎ ¾ÆÆÄÆ®ÀÇ ´ëÁöÁöºÐ °¡°ÝÀ» »ìÆ캸¸é,

À§ °¡°Ý¿¡ °ÅÀÇ ¼ö·ÅµÇ¾î ÀÖ´Â °ÍÀ» ¾Ë¼ö ÀÖ½À´Ï´Ù.

- °á±¹ Àç°ÇÃà ¾ÆÆÄÆ®ÀÇ °¡Ä¡¸¦ Æò°¡ÇÒ ¶§,

1)´ëÁöÁöºÐ

2)¿¹»ó ºÐ¾ç°¡

3)Á¾±¸ºÐ(2Á¾ÀÎÁö 3Á¾ÀÎÁö)

ÀÌ ¼¼°¡Áö ¿ä¼Ò¿¡ µû¶ó °¡Ä¡¸¦ Æò°¡ ÇÒ¼ö ÀÖ½À´Ï´Ù.



*´ëÇѹα¹ ºÎµ¿»ê Ç¥ÁØ ºÎµ¿»ê ¹ðÅ©¿¡¼­ À̱â*

 http://www.neonet.co.kr/novo-rebank/view/news/NewsIndex.neo


 

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