10/20¼öÁ¤: 10/19¿¡ ÆÛ¼·¿¡¼ ´ë±Ô¸ð ¾ÆÀÌÅÛ ¹ë·±½º ÆÐÄ¡ Áß¿¡¼ »ç¿ë°¡´ÉÇØÁø Ä¿½ºÅÒ ¿É¼Çµé Ãß°¡
10/23¼öÁ¤: ½ÇÇè¿¡ »ç¿ëÇÑ °è»ê½Ä Ãß°¡
10/28¼öÁ¤: ¿ÀŸ ¼öÁ¤
11/7 ¼öÁ¤: ¾ÆÄ Àü¿ë º¸Á¶Àåºñ 2°³ ¿É¼Ç Ãß°¡
11/30 ¼öÁ¤: µö ´ÙÀ̹ö Ư¼öÀåºñ °íÀ¯¿É¼Ç ¹«·ÂÈ °ÔÀÌÁö °¨¼Ò·® Áõ°¡ ¿É¼Ç Ãß°¡
12/11 ¼öÁ¤: µö ´ÙÀ̹ö ¿¡¾îÆÑ ¸ðµç ¼Óµµ ¹× ÇÇÇØÁõ°¡ ¿É¼Ç Ãß°¡
µé¾î°¡±â ¾Õ¼¼ 10/19 ÆÐÄ¡ ¼±¿ä¾à
-ÀÏ´Ü ±âº»ÀûÀ¸·Î À¯Áö½Ã°£À̶û ÄðŸÀÓÀ̶û ¸ÂÁö ¾Ê´Â ¿É¼ÇµéÀÌ ´ëºÎºÐ ¿ÏȵǾú½À´Ï´Ù.
-º¸½º °ø°Ý½Ã µ¥¹ÌÁöÁõ°¡¿Í µ¥¹ÌÁö°¨¼Ò°¡ °°ÀÌ ÀÖ´ø ¿É¼ÇµéÀº ¹«ÇÑÀ¯Áö´Â ¾È µÇÁö¸¸ °¨¼Ò°¡ »ç¶óÁ³½À´Ï´Ù.
-»óº¯ÀÇ ±³º¹È¸¦ ¸·±âÀ§Çؼ »óº¯µ¥¹ÌÁö 20ÇÁ·Î ¹Ì¸¸À̶ó´Â Á¶°ÇÀÇ ÀåºñµéÀÌ ¸¹ÀÌ »ý°å½À´Ï´Ù.
-º¸½º¿¡°Ô ½ºÅüҸðÇÏ´Â ¾ÆÀÌÅÛµéÀº ¼öÄ¡°¡ °¨¼ÒÇÑ ´ë½Å¿¡ »ó½Ã·Î À¯Áö°¡ °¡´ÉÇÕ´Ï´Ù.
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À̹ø¿¡ ÀÛ¼ºÇѱÛÀº Ä¿½ºÅÒ Àåºñ¿É¼Ç¿¡ °üÇÑ ±ÛÀÔ´Ï´Ù. ³»¿ëÀÌ ¸¹¾ÆÁú°Å °°¾Æ¼ µÎ°³·Î ³ª´²¼ ÀÛ¼ºÇÒ ¿¹Á¤À̱¸¿ä. À̱ÛÀº Ä¿½ºÅÒÀåºñ ÀÚüº¸´Ù´Â ÇØ´ç ¿É¼ÇÀ» »ç¿ëÇÒ ¶§ ´ë¹ÌÁö°¡ Áõ°¡ÇÏ´Â ±â´ñ°ªÀ» ´Ü¼øÈ÷ °è»êÇÑ ±ÛÀÔ´Ï´Ù. ±×³É ±×·±°©´ÙÇÏ¸é¼ ºÁÁÖ¼¼¿ä.
¾Æ¸¶µµ À̱ÛÀº
ÀÌ·¸°Ô 1,2,4¿É¼ÇÀ» À¯È¿·Î ¸Ô¾úÀ» ¶§¿¡ ³ª¸ÓÁö 3¿É¼ÇÀ» ¹»·Î°¡´ÂÁö °í¹ÎÇϽô ºÐµé¿¡°Ô °¡Àå µµ¿òÀÌ µÉ°Å°°³×¿ä. ¾Æ´Ï¸é ºÒ°¡Ä§ ¸ÂÃ߽ô ºÐµé¿¡°Ôµµ µµ¿òÀÌ µÉÁöµµ?
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-À̹ø ½ÃÁð¿¡ »ç¿ëÇÏ´Â ´ë¹ÌÁö¸¦ ¿Ã¸®´Â ¹æ½ÄµéÀÔ´Ï´Ù.
1.ÇÇÇØÁõ°¡
-110Á¦¿¡ »õ·Î µµÀÔÇÑ ½Ã½ºÅÛÀÔ´Ï´Ù. ±âÁ¸ÀÇ µ©Áõ, Å©Áõµ©, Ãßµ©, ¸ð°øÁõ, ¹°¸¶µ¶Áõ°¡ÀÇ º¹ÀâÇÑ µ¥¹ÌÁö Áõ°¡ ¹æ½ÄÀ» Çϳª·Î ÅëÇÕ½ÃŲ°Ì´Ï´Ù. 105Á¦ ¿¡ÇÈÀ̶ó¸é ±âº»ÀûÀ¸·Î °¡Áö°íÀÖ´Â ¼öÄ¡À̸ç ÇÕ¿¬»êÀÌ¿©¼ º»ÀÎÀÇ ÇöÀç ¼öÄ¡°¡ ³ôÀ»¼ö·Ï È¿À²ÀÌ °¨¼ÒÇÕ´Ï´Ù.
°ø½ÄȨÆäÀÌÁö¿¡ ³ª¿Â ÇÇÇØÁõ°¡ ¼³¸íÀÔ´Ï´Ù.
ÇÇÇØÁõ°¡ ¼öÄ¡´Â ³» Á¤º¸(M)¿¡¼ »ó¼¼Á¤º¸´©¸£½Ã¸é ¸Ç À§¿¡ º¸ÀÔ´Ï´Ù.
»ç¿ëÇÑ ºñ±³ °è»ê½Ä: ((»ó½ÂµÈ ÇÇÇØÁõ°¡·®)+1000))/((ÇöÀç ÇÇÇØÁõ°¡·®)+1000)=(ÇÇÇØ Áõ°¡·Î ÀÎÇÑ ´ë¹ÌÁö »ó½Â·ü)
2. ¼Ó¼º°È
-¼Ó¼º°È ½Ã½ºÅÛÀº ´øÆÄÀÇ ÃÊâ±âºÎÅÍ ÀÖ´ø ½Ã½ºÅÛÀ¸·Î È,¼ö,¸í,¾ÏÀÇ 4°¡Áö ¼Ó¼ºÀÌ Á¸ÀçÇϰí ÇѰ¡Áö¼Ó¼ºÀ» ¼±ÅÃ(º¸ÅëÀº Å¥ºêÀǰè¾àÀ¸·Î ÇÔ)ÇÏ°í ±× ¼öÄ¡¸¦ ³ôÀÌ¸é ´ë¹ÌÁö°¡ ¿À¸£´Â¹æ½ÄÀÔ´Ï´Ù. Âü°í·Î À̹ø ½ÃÁðÀº ¸÷µéÀÇ ¼Ó¼ºÀúÇ×ÀÌ »óÀÌÇϹǷΠ¸÷µé¸¶´Ù ¼Ó°ÀÇ È¿À²ÀÌ ´Ù¸¨´Ï´Ù. ¿Ã¸± ¼ö ÀÖ´Â ¹æ½ÄÀº ¸¶¹ýºÎ¿©, ¿À¶ó, ¿¡ÇÈÀåºñ µî ¸Å¿ì ´Ù¾çÇÕ´Ï´Ù. ÇÇÇØÁõ°¡Ã³·³ ÇÕ¿¬»êÀÌ¶ó¼ ¼öÄ¡°¡ Áõ°¡ÇÒ¼ö·Ï È¿À²ÀÌ °¨¼ÒÇÕ´Ï´Ù.
¼Ó°Àº ³»Á¤º¸¿¡¼ ¾Æ·¡¿¡ Ç¥±âµË´Ï´Ù.
»ç¿ëÇÑ ºñ±³ °è»ê½Ä: ((»ó½ÂµÈ ¼Ó¼º°È¼öÄ¡)*0.45+105)/((ÇöÀç ¼Ó¼º°È¼öÄ¡)*0.45+105)=(¼Ó¼º°È·Î ÀÎÇÏ ´ë¹ÌÁö »ó½Â·ü)
3. ½ºÅ³ °ø°Ý·Â Áõ°¡
-À̰͵µ ¿¾³¯ºÎÅÍ ÀÖ´ø ´ë¹ÌÁö °è»ê¹æ½ÄÀÔ´Ï´Ù. ƯÀÌÇÑ Á¡Àº ´Ù¸¥ ´ë¹ÌÁö °è»ê¹æ½ÄÀº ÀüºÎ ÇÕ¿¬»êÀε¥ ¾ê´Â °ö¿¬»êÀÌ¶ó¼ ¾Æ¹«¸® ¼öÄ¡°¡ ³ô¾ÆÁ®µµ È¿À²ÀÌ °¨¼ÒÇÏÁö ¾Ê½À´Ï´Ù. ±×·¡¼ ¼ÂÆÃ¿¡¼ ÇØ´ç ¿É¼ÇµéÀº ³Ê¹« ³·Áö ¾ÊÀ¸¸é º¸Åë ³ôÀº µ¥¹ÌÁö Æ÷ÅÙ¼ÈÀ» º¸À¯ÇÕ´Ï´Ù.
³»Á¤º¸ÀÇ »ó¼¼Á¤º¸¿¡¼ È®ÀÎÀÌ °¡´ÉÇѵ¥ ¾îÂ÷ÇÇ °ö¿¬»êÀ¸·Î È¿À²ÀÌ ±×´ë·ÎÀ̱⠶§¹®¿¡ ±»ÀÌ È®ÀÎÇÏ½Ç Çʿ䵵 ¾ø°í °è»ê½Äµµ µû·Î Çʿ䰡 ¾ø½À´Ï´Ù.
4. »óÅÂÀÌ»ó µ¥¹ÌÁö Áõ°¡
-±âÁ¸¿¡´Â °ÅÀÇ ¿ëµ¶¹®ÁÖ¸¸ »ç¿ëÇÏ´ø ½Ã½ºÅÛÀε¥ À̹ø ½ÃÁð¿¡ »óº¯ ÆÈÂîµé·Î ÀÎÇØ¼ ¸ðµç Á÷¾÷µé¿¡°Ô Áß¿äÇÑ ¿É¼ÇÀÔ´Ï´Ù. ¿ª½Ã ³»Á¤º¸ÀÇ »ó¼¼Á¤º¸¿¡¼ È®ÀÎÀ̰¡´ÉÇϰí Á¶±Ý ¾Æ·¡¿¡ÀÖ½À´Ï´Ù. Âü°í·Î ¼öÄ¡°¡ ¸¶À»¿¡¼´Â 0À¸·Î¸¸ Ç¥±âµÇ°í ´øÀü¿¡ µé¾î°¡¼Å¾ß ¼öÄ¡°¡ Ç¥±âµË´Ï´Ù.
µ¥¹ÌÁö º¸³Ê½º°¡ Áõ°¡·®À̰í, µ¥¹ÌÁö ÀüȯÀº »óº¯À¸·Î ÀüȯµÇ´Â ¼öÄ¡ÀÔ´Ï´Ù.
»ç¿ëÇÑ ºñ±³ °è»ê½Ä: (1+(»ó½ÂµÈ µ¥¹ÌÁö Àüȯ·®)*(»ó½ÂµÈ »óº¯ µ¥¹ÌÁö ¼öÄ¡))/(1+(ÇöÀç µ¥¹ÌÁö Àüȯ·®)*(ÇöÀç »óº¯ µ¥¹ÌÁö ¼öÄ¡))=(»óº¯À¸·Î ÀÎÇÑ µ¥¹ÌÁö »ó½Â·®)
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¿É¼Ç µ¥¹ÌÁö °è»ê
-¿©±â¼ ´Ù·ç´Â °ÍµéÀº »ç¿ë°¡Ä¡°¡ ÀÖ´Â ¿É¼ÇµéÀÔ´Ï´Ù. Áï, ÀϹÝÀûÀ¸·Î 1À¯È¿¶ó°í »ç¶÷µéÀÌ »ý°¢ÇÏ´Â ¿É¼Çµé¸¸ °è»êÇÏ¿´½À´Ï´Ù. °è»êÇÒ ¶§¿¡ ¿É¼Ç·¹º§Àº 70À» µðÆúÆ®°ªÀ¸·Î °è»êÇÏ¿´½À´Ï´Ù. ¿É¼ÇÀ» ¹¹ »©°íÇϱ⠱ÍÂú°í º¹ÀâÇØÁ®¼ ±×³É ÇöÀç ÅÛ¿¡ Ãß°¡ÇÏ´Â ¹æ½ÄÀ¸·Î ÇÏ¿´½À´Ï´Ù. ¾îÂ÷ÇÇ °ªÀº ºñ½ÁÇÕ´Ï´Ù.
½ÇÇè¿¡ »ç¿ëÇÒ Ä³¸¯Àε¥ »óÀǶû º§Æ®°¡ Ä¿½ºÅÒÀ¸·Î ±¸¼ºµÇ¾î Àֱ⠶§¹®¿¡
»óÀÇ´Â ÇÏÀÌÅ×Å© Àü¼úÁöÈÖ ¾Æ¸Ó, º§Æ®´Â ¸¶¶¥ÇÑ º»ºÐÀ¸·Î º¯°æÇÏ¿© üũÇÏ¿´½À´Ï´Ù. Á¦ »ý°¢¿¡ Áö±Ý °íÁ¤ÇÈÀ¸·Î °¡´ÉÇÑ Á¦ÀÏ °ÇÑ ¼ÂÆÃÀ̶ó°í »ý°¢ÇÕ´Ï´Ù. ±×¸®°í ÇÇÇØÁõ°¡´Â Īȣ15ÇÁ·Î, Å©¸®ÃÄ20ÇÁ·Î·Î 35ÇÁ·ÎÁõ°¡ÇÕ´Ï´Ù. º¸Á¶Àåºñ´Â ¾ÆÁ÷ ¸¶ºÎ¸¦ ¸øÇß½À´Ï´Ù.
ÇÇÇØÁõ°¡: 290173
¼Ó°: 311 -> 311*0.45+105 = 244.95%
»óº¯ Àüȯ: 50ÇÁ·Î
»óº¯ µ¥¹ÌÁö: 20ÇÁ·Î -> 1+0.5*0.2 -> 110%
½ºÁõµ©Àº ¾îÂ÷ÇÇ °ö¿¬»êÀ̶ó ÇÊ¿ä¾ø½À´Ï´Ù.
Àåºñµé ¿É¼Çµé ÀüºÎ ¹ßµ¿½ÃŰ¸é ¼öÄ¡´Â ÀÌÁ¤µµ µË´Ï´Ù.
°øÅë¿É
-°øÅëÀ¸·Î µîÀåÇÏ´Â ¿É¼ÇÀÔ´Ï´Ù.°ýÈ£¾ÈÀÇ ¼öÄ¡°¡ 70·¹º§ ±âÁØÀÇ ÇÇÇØÁõ°¡ÀÔ´Ï´Ù.
ÀüºÎÀ§°øÅë
´ÜÀϼӰ 15
ÇÇÇØÁõ°¡ 1186(3162*1.35=4269)
ÇÇÇØÁõ°¡: (290173+4269+1000)/(290173+1000) -> 1.47%
¼Ó¼º°È: (326*0.45+105)/244.95 -> 2.76%
Áï. 1.47%¿Í 2.76% -> 4.27%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
¸ð¼Ó° 10
ÇÇÇØÁõ°¡ 1186(3162*1.35=4269)
ÇÇÇØÁõ°¡: (290173+4269+1000)/(290173+1000) -> 1.47%
¼Ó¼º°È: (321*0.45+105)/244.95 -> 1.84%
Áï, 1.47%¿Í 1.84% -> 3.34%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
¸ð¼Ó° 15, ¸ð¼ÓÀú -10
ÇÇÇØÁõ°¡ 1630(4347*1.35=5868)
ÇÇÇØÁõ°¡: (290173+5868+1000)/(290173+1000) -> 2.02%
¼Ó¼º°È: (326*0.45+105)/244.95 -> 2.76%
Áï, 2.02%¿Í 2.76% -> 4.84%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
¹æ¾î±¸ °øÅë
5ȸ °ø°Ý½Ã¸¶´Ù ÇÇÁõ, ¹æ¾î·Â°¨¼Ò
ÇÇÇØÁõ°¡ 1186+178*20((3162+474*20)*1.35=12642)
ÇÇÇØÁõ°¡: (290173+12642+1000)/(290173+1000) -> 4.34%
Áï, 4.34%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
500Çȼ¿ ³»ÀÇ »óº¯Àû´ç ÇÇÇØÁõ°¡(ÃÖ´ë 5Áßø)
ÇÇÇØÁõ°¡ 1186+712*5((3162+1894*5)*1.35=12632)
ÇÇÇØÁõ°¡: (290173+12632+1000)/(290173+1000) -> 3.66%
Áï, 3.66%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
¾Ç¼¼»ç¸® °øÅë
»óº¯µ¥¹ÌÁö 10ÇÁ·Î Áõ°¡
ÇÇÇØÁõ°¡ 296(790*1.35=1067)
ÇÇÇØÁõ°¡: (290173+1067+1000)/(290173+1000) -> 0.37%
»óº¯µ¥¹ÌÁö: (1+0.5*0.3)/(1+0.5*0.2) -> 4.55%
Áï, 0.37%¿Í 4.55% -> 4.94%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
Ư¼öÀåºñ °øÅë
µ¥¹ÌÁöÇü »óÅÂÀÌ»ó Àû °ø°Ý½Ã ½ºÁõ 5ÇÁ·Î
ÇÇÇØÁõ°¡ 445(1186*1.35=1601)
ÇÇÇØÁõ°¡: (290173+1601+1000)/(290173+1000) -> 0.55%
½ºÁõ´ï: 5%
Áï, 0.55%¿Í 5% -> 5.58%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
¿ëÁ· °ø°Ý½Ã ½ºÁõµ© 7ÇÁ·Î
ÇÇÇØÁõ°¡ 296(790*1.35=1067)
ÇÇÇØÁõ°¡: (290173+1067+1000)/(290173+1000) -> 0.37%
½ºÁõ´ï: 7%
Áï, 0.37%¿Í 7% -> 7.40%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
°¡Àå ³ôÀº µ¥¹ÌÁöÇü »óÅÂÀÌ»óÀÇ ¼öÄ¡°¡ 20ÀÌÇÏÀÌ¸é ½ºÁõ´ï 4ÇÁ·Î
ÇÇÇØÁõ°¡: (290173+4802+1000)/(290173+1000) -> 1.65%
½ºÁõ´ï: 4%
Áï, 1.65%¿Í 4% -> 5.72%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
»óÀÇ ¿É¼Ç
¿£Æ® Á¤·É »óÀÇ-(1) °¡Àå ³ôÀº ¼Ó° 50¸¶´Ù ÇÇÁõ(ÃÖ´ë 4Áßø)
ÇÇÇØÁõ°¡ 1186+852*4((3162+2272*4)*1.35=16538)
ÇÇÇØÁõ°¡: (290173+16538+1000)/(290173+1000) -> 5.68%
Áï, 5.68%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
¿£Æ® Á¤·É »óÀÇ-(2) ü·ÂÀÌ 40ÇÁ·Î ÀÌÇÏÀÌ¸é ½ºÁõ´ï 8ÇÁ·Î
ÇÇÇØÁõ°¡ 1186(3162*1.35=4269)
ÇÇÇØÁõ°¡: (290173+4269+1000)/(290173+1000) -> 1.47%
½ºÁõ´ï: 8%
Áï, 1.65%¿Í 8% -> 9.59%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
ºí·ç º£¸± ¾Æ¸Ó-(1) »óº¯µ¥¹ÌÁö 30ÇÁ·Î, ¹Þ´Â µ¥¹ÌÁö 20ÇÁ·Î
ÇÇÇØÁõ°¡ 148(395*1.35=533)
ÇÇÇØÁõ°¡: (290173+533+1000)/(290173+1000) -> 0.18%
»óº¯µ¥¹ÌÁö: (1+0.5*0.5)/(1+0.5*0.2) -> 13.64%
Áï, 0.18%¿Í 13.64% -> 13.84%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
ºí·ç º£¸± ¾Æ¸Ó-(2) °ø°Ý½Ã ÇÇÇØÁõ°¡(ÃÖ´ë 20½ºÅÃ)
ÇÇÇØÁõ°¡ 1186+111*20((3162+296*20)*1.35=12261)
ÇÇÇØÁõ°¡: (290173+12261+1000)/(290173+1000) -> 4.21%
Áï, 4.21%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
½£¼ÓÀÇ ¸¶³à »óÀÇ- Äð20ÃÊÀÌÇÏ ½ºÅ³»ç¿ë½Ã 20Ãʰ£ ´ÜÀϼӰ25 Áõ°¡
ÇÇÇØÁõ°¡ 889(2371*1.35=3201)
ÇÇÇØÁõ°¡: (290173+3201+1000)/(290173+1000) -> 1.10%
¼Ó¼º°È: (336*0.45+105)/244.95 -> 4.59%
Áï, 1.10%¿Í 4.59% -> 5.74%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
½£¼ÓÀÇ ¸¶³à »óÀÇ-(2) ü·Â 40ÇÁ·Î ÀÌ»óÀÌ¸é ½ºÁõµ© 3ÇÁ·Î, °¡Àå ³ôÀº »óº¯µ¥¹ÌÁö°¡ 20ÇÁ·Î ¹Ì¸¸ÀÌ¸é ½ºÁõµ© 4ÇÁ·Î
ÇÇÇØÁõ°¡: (290173+4269+1000)/(290173+1000) -> 1.47%
½ºÁõ´ï: 3%, 4% -> 7.12%
Áï, 1.47%¿Í 7.12% -> 8.69%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù
µö ´ÙÀ̹ö ½´Æ®-½ºÅÃÀÌ 5ÁßøÀÌ¸é °ø°Ý½Ã ½ºÁõµ© 6ÇÁ·Î
ÇÇÇØÁõ°¡: (290173+3201+1000)/(290173+1000) -> 1.10%
½ºÁõ´ï: 6% -> 6%
Áï, 1.10%¿Í 6% -> 7.17%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù
ÇÏÀÇ ¿É¼Ç
¿£Æ® Á¤·É ÇÏÀÇ- Äð25ÃÊÀÌ»ó ½ºÅ³ »ç¿ë½Ã ÃâÇ÷, °¨Àüµ¥¹ÌÁö 20ÇÁ·Î Áõ°¡
ÇÇÇØÁõ°¡ 593(1581*1.35=2134)
ÇÇÇØÁõ°¡: (290173+2134+1000)/(290173+1000) -> 0.73%
»óº¯µ¥¹ÌÁö: (1+0.5*0.4)/(1+0.5*0.2) -> 9.10%
Áï, 0.73%¿Í 9.10% -> 9.90%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
ºí·ç º£¸± ÇÏÀÇ- °¡Àå³ôÀº »óÅÂÀ̻󳻼ºÀÌ 50ÇÁ·Î ÀÌ»óÀÌ¸é ´ÜÀϼӰ35 Áõ°¡
ÇÇÇØÁõ°¡ 593(1581*1.35=2134)
ÇÇÇØÁõ°¡: (290173+2134+1000)/(290173+1000) -> 0.73%
¼Ó¼º°È: (346*0.45+105)/244.95 -> 6.43%
Áï, 0.73%¿Í 6.43% -> 7.21%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
¸Ó¸®¾î±ú ¿É¼Ç
¿£Æ® Á¤·É ¾î±ú-(1) Ä¿¸Çµå·Î »ç¿ëÇÑ ½ºÅ³ ½ºÁõµ© 12ÇÁ·Î
ÇÇÇØÁõ°¡: (290173+1067+1000)/(290173+1000) -> 0.37%
½ºÁõ´ï: 12%
Áï, 0.37%¿Í 12% -> 12.41%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
¿£Æ® Á¤·É ¾î±ú-(2) ºñ¹«Å¥±â ½ºÁõµ© 15ÇÁ·Î
ÇÇÇØÁõ°¡: (290173+2668+1000)/(290173+1000) -> 0.92%
½ºÁõ´ï: 15%
Áï, 0.92%¿Í 15% -> 16.06%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
µö ´ÙÀ̹ö ¿¡¾îÆÑ- 3ÄÞº¸¸¶´Ù ´ÜÀϼӰ4 (ÃÖ´ë 10Áßø)
ÇÇÇØÁõ°¡ 296(790*1.35=1067)
ÇÇÇØÁõ°¡: (290173+1067+1000)/(290173+1000) -> 0.37%
¼Ó¼º°È: (351*0.45+105)/244.95 -> 7.35%
Áï, 0.73%¿Í 7.35% -> 8.13%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
µö ´ÙÀ̹ö ¿¡¾îÆÑ- 3ÄÞº¸¸¶´Ù ´ÜÀϼӰ4 (ÃÖ´ë 10Áßø)
ÇÇÇØÁõ°¡: (290173+13875+1000)/(290173+1000) -> 4.77%
Áï, 4.77%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
º§Æ® ¿É¼Ç
¿£Æ® Á¤·É º§Æ®-(1) Äð25ÃÊÀÌ»ó ½ºÅ³ »ç¿ë½Ã Áßµ¶, Ȼ󵥹ÌÁö 20ÇÁ·Î Áõ°¡
ÇÇÇØÁõ°¡ 593(1581*1.35=2134)
ÇÇÇØÁõ°¡: (290173+2134+1000)/(290173+1000) -> 0.73%
»óº¯µ¥¹ÌÁö: (1+0.5*0.4)/(1+0.5*0.2) -> 9.10%
Áï, 0.73%¿Í 9.10% -> 9.90%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
¿£Æ® Á¤·É º§Æ®-(2) Àû°úÀÇ °Å¸®¿¡µû¶ó ½ºÁõ´ï(ÃÖ´ë5ÇÁ·Î)
ÇÇÇØÁõ°¡ 1334(3557*1.35=4802)
ÇÇÇØÁõ°¡: (290173+4802+1000)/(290173+1000) -> 1.65%
½ºÁõ´ï: 5%
Áï, 1.65%¿Í 5% -> 6.73%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
µö ´ÙÀ̹ö º§Æ®-(1) Äð20ÃÊ ÀÌÇÏ ½ºÅ³ »ç¿ë½Ã 3Ãʵ¿ÇÑ »óº¯µ¥¹ÌÁö 10ÆÛ Áõ°¡
ÇÇÇØÁõ°¡ 593(1581*1.35=2134)
ÇÇÇØÁõ°¡: (290173+2134+1000)/(290173+1000) -> 0.73%
»óº¯µ¥¹ÌÁö: (1+0.5*0.3)/(1+0.5*0.2) -> 4.55%
Áï, 0.73%¿Í 4.55% -> 5.31%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
µö ´ÙÀ̹ö º§Æ®-(2) 3ÄÞº¸¸¶´Ù ÇÇÇØÁõ°¡ (ÃÖ´ë 10Áßø)
ÇÇÇØÁõ°¡ 1186+416*10((3162+1109*10)*1.35=19240)
ÇÇÇØÁõ°¡: (290173+19240+1000)/(290173+1000) -> 6.61%
Áï, 6.61%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
½Å¹ß ¿É¼Ç
¿£Æ® Á¤·É ½Å¹ß- Äü½½·ÔÀÇ ºó½½·Ô Çϳª´ç ½ºÁõ´ï2ÇÁ·Î (ÃÖ´ë 12ÇÁ·Î)
ÇÇÇØÁõ°¡ 296(790*1.35=1067)
ÇÇÇØÁõ°¡: (290173+1067+1000)/(290173+1000) -> 0.37%
½ºÁõ´ï: 12%
Áï, 0.37%¿Í 12% -> 12.41%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
µö ´ÙÀ̹ö ½´Áî- °ø°Ý½Ã »öÅ¥ºêÁ¶°¢À» ¼Ò¸ðÇÏ¿© ´ÜÀÏ ¼Ó° 25Áõ°¡
ÇÇÇØÁõ°¡ 593(1581*1.35=2134)
ÇÇÇØÁõ°¡: (290173+2134+1000)/(290173+1000) -> 0.73%
¼Ó¼º°È: (336*0.45+105)/244.95 -> 4.59%
Áï, 0.73%¿Í 4.59% -> 5.35%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
ÆÈÂî ¿É¼Ç
-ÆÈÂî´Â Ä¿½ºÅÒ¸ÂÃâ ¶§´Â ¹«Á¶°Ç »óº¯ÆÈÂî °íÁ¤À̱⠶§¹®¿¡ ¾ÈÀû°Ú½À´Ï´Ù.
¸ñ°ÉÀÌ ¿É¼Ç
¿£Æ® Á¤·É ¸ñ°ÉÀÌ- ´ÜÀϼӰ 35, ¸ðµç »óº¯ ³»¼º -10ÇÁ·Î
ÇÇÇØÁõ°¡ 445(1186*1.35=1601)
ÇÇÇØÁõ°¡: (290173+1601+1000)/(290173+1000) -> 0.55%
¼Ó¼º°È: (346*0.45+105)/244.95 -> 6.43%
Áï, 0.55%¿Í 6.43% -> 7.02%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
½£¼ÓÀÇ ¸¶³à ¸ñ°ÉÀÌ- ½ºÅÃÀÌ 5ÁßøÀÌ¸é °ø°Ý½Ã 30ÃÊ µ¿¾È ÃâÇ÷µ¥¹ÌÁö 10ÇÁ·Î Áõ°¡
ÇÇÇØÁõ°¡: (290173+1067+1000)/(290173+1000) -> 0.37%
»óº¯µ¥¹ÌÁö: (1+0.5*0.30)/(1+0.5*0.2) -> 4.55%
Áï, 1.10%¿Í 4.55% -> 4.93%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
¹ÝÁö ¿É¼Ç
¿£Æ® Á¤·É ¹ÝÁö-(1) µ¥¹ÌÁöÇü »óÅÂÀÌ»ó ÀüȯºñÀ² 10ÇÁ·Î Áõ°¡
ÇÇÇØÁõ°¡ 1482(3951*1.35=5334)
ÇÇÇØÁõ°¡: (290173+5334+1000)/(290173+1000) -> 1.83%
»óº¯µ¥¹ÌÁö: (1+0.6*0.2)/(1+0.5*0.2) -> 1.82%
Áï, 1.83%¿Í 1.82% -> 3.68%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
ÁÖÀÇ»çÇ×
ÁÖÀÇÇÏ½Ç Á¡Àº ÀÌ ¿É¼ÇÀº »óº¯µ¥¹ÌÁö°¡ ³ôÀ»¼ö·Ï È¿À²ÀÌ Áõ°¡Çϱ⠶§¹®¿¡ »óº¯ºíº£¾Æ¸¸ À־ È¿À²ÀÌ ¸Å¿ì Áõ°¡ÇÕ´Ï´Ù.
¿£Æ® Á¤·É ¹ÝÁö-(2) ¸ð¼ÓÀú 250ÀÌ»óÀ̸é Áßµ¶µ¥¹ÌÁö 15ÇÁ·Î Áõ°¡
ÇÇÇØÁõ°¡ 889(2371*1.35=3201)
ÇÇÇØÁõ°¡: (290173+3201+1000)/(290173+1000) -> 1.10%
»óº¯µ¥¹ÌÁö: (1+0.5*0.35)/(1+0.5*0.2) -> 6.82%
Áï, 1.10%¿Í 6.82% -> 8.00%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
½£¼ÓÀÇ ¸¶³à ¹ÝÁö- ½ºÅÃÀÌ 5ÁßøÀÌ¸é °ø°Ý½Ã 30ÃÊ µ¿¾È Ȼ󵥹ÌÁö 10ÇÁ·Î Áõ°¡
ÇÇÇØÁõ°¡ 296(790*1.35=1067)
ÇÇÇØÁõ°¡: (290173+1067+1000)/(290173+1000) -> 0.37%
»óº¯µ¥¹ÌÁö: (1+0.5*0.30)/(1+0.5*0.2) -> 4.55%
Áï, 1.10%¿Í 4.55% -> 4.93%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
ºí·ç º£¸± ¸µ- º¸½º °ø°Ý½Ã 20Ãʰ£ Áßµ¶µ¥¹ÌÁö 20ÇÁ·Î(Äð 30ÃÊ)
ÇÇÇØÁõ°¡ 296(790*1.35=1067)
ÇÇÇØÁõ°¡: (290173+1067+1000)/(290173+1000) -> 0.37%
»óº¯µ¥¹ÌÁö: (1+0.5*0.4)/(1+0.5*0.2) -> 9.09%
Áï, 0.37%¿Í 9.09% -> 9.49%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
ºí·ç º£¸± ¸µ-(2) º¸½º °ø°Ý½Ã 20Ãʰ£ ¾Ï¼Ó° 35(Äð 30ÃÊ)
ÇÇÇØÁõ°¡ 741(1976*1.35=2668)
ÇÇÇØÁõ°¡: (290173+2668+1000)/(290173+1000) -> 0.92%
¼Ó°µ¥¹ÌÁö: (346*0.45+105)/244.95 -> 6.43%
Áï, 0.92%¿Í 6.43% -> 7.41%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
ºí·ç º£¸± ¸µ-(3) ±âº»±â °ø°Ý½Ã 10Ãʵ¿¾È »óº¯µ¥¹ÌÁö 20ÇÁ·Î Áõ°¡(Äð 15ÃÊ)
ÇÇÇØÁõ°¡ 741(1976*1.35=2668)
ÇÇÇØÁõ°¡: (290173+2668+1000)/(290173+1000) -> 0.92%
»óº¯µ¥¹ÌÁö: (1+0.5*0.4)/(1+0.5*0.2) -> 9.09%
Áï, 0.92%¿Í 6.43% -> 7.41%ÀÇ µ¥¹ÌÁö È¿À²
µö ´ÙÀ̹ö ³×ºñ°ÔÀÌ¼Ç ¸µ- ½ºÅÃÀÌ 5ÁßøÀÌ¸é °ø°Ý½Ã 30ÃÊ µ¿¾È ´ÜÀϼӰ 25
ÇÇÇØÁõ°¡: (290173+3201+1000)/(290173+1000) -> 1.10%
¼Ó°µ¥¹ÌÁö: (336*0.45+105)/244.95 -> 4.59%
Áï, 0.92%¿Í 4.59% -> 5.74%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
º¸Á¶Àåºñ ¿É¼Ç
¿£Æ® Á¤·É ¼º¹è- ¸ð¼ÓÀú 250ÀÌ»óÀ̸é ÃâÇ÷ µ¥¹ÌÁö 15ÇÁ·Î Áõ°¡
ÇÇÇØÁõ°¡ 889(2371*1.35=3201)
ÇÇÇØÁõ°¡: (290173+3201+1000)/(290173+1000) -> 1.10%
»óº¯µ¥¹ÌÁö: (1+0.5*0.35)/(1+0.5*0.2) -> 6.82%
Áï, 1.10%¿Í 6.82% -> 8.00%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
¿£Æ® Á¤·É ¼º¹è- (2)ü·ÂÀÌ 40ÇÁ·Î ÀÌÇÏÀÌ¸é ½ºÁõµ© 5ÇÁ·Î
ÇÇÇØÁõ°¡: (290173+4269+1000)/(290173+1000) -> 1.47%
½ºÁõ´ï: 5%
Áï, 1.47%¿Í 5% -> 6.54%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
¿£Æ® Á¤·É ¼º¹è- (3)ü·ÂÀÌ 40ÇÁ·Î ÀÌÇÏÀ̸é ÇÇÇØÁõ°¡
ÇÇÇØÁõ°¡ 1186+3112(11459*1.35=15470)
ÇÇÇØÁõ°¡: (290173+15470+1000)/(290173+1000) -> 5.31%
Áï, 5.31%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
½£¼ÓÀÇ ¸¶³à ¹Ù±¸´Ï- ½ºÅÃÀÌ 5ÁßøÀÌ¸é °ø°Ý½Ã 30ÃÊ µ¿¾È °¨Àüµ¥¹ÌÁö 10ÇÁ·Î Áõ°¡
ÇÇÇØÁõ°¡ 296(790*1.35=1067)
ÇÇÇØÁõ°¡: (290173+1067+1000)/(290173+1000) -> 0.37%
»óº¯µ¥¹ÌÁö: (1+0.5*0.30)/(1+0.5*0.2) -> 4.55%
Áï, 1.10%¿Í 4.55% -> 4.93%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
ºí·ç º£¸± ÆÛǾ- º¸½º °ø°Ý½Ã 20Ãʰ£ ÃâÇ÷µ¥¹ÌÁö 20ÇÁ·Î(Äð 30ÃÊ)
ÇÇÇØÁõ°¡ 296(790*1.35=1067)
ÇÇÇØÁõ°¡: (290173+1067+1000)/(290173+1000) -> 0.37%
»óº¯µ¥¹ÌÁö: (1+0.5*0.4)/(1+0.5*0.2) -> 9.09%
Áï, 0.37%¿Í 9.09% -> 9.49%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
ºí·ç º£¸± ÆÛǾ-(2) º¸½º °ø°Ý½Ã 20Ãʰ£ ¼ö¼Ó° 35(Äð 30ÃÊ)
ÇÇÇØÁõ°¡ 741(1976*1.35=2668)
ÇÇÇØÁõ°¡: (290173+2668+1000)/(290173+1000) -> 0.92%
¼Ó°µ¥¹ÌÁö: (346*0.45+105)/244.95 -> 6.43%
Áï, 0.92%¿Í 6.43% -> 7.41%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
ºí·ç º£¸± ÆÛǾ-(3) º¸½º°ø°Ý½Ã 20Ãʰ£ ÇÇÇØÁõ°¡ 3853(Äð 30ÃÊ)
ÇÇÇØÁõ°¡: (290173+13869+1000)/(290173+1000) -> 4.76%
Áï, 4.76%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
ºí·ç º£¸± ÆÛǾ-(4) ÆòŸ ¸¶Áö¸· °ø°Ý½Ã ÇÇÇØÁõ°¡ 2371
ÇÇÇØÁõ°¡: (290173+8533+1000)/(290173+1000) -> 2.93%
µö ´ÙÀ̹ö ¿À¸®¹ß- ÃâÇ÷, Áßµ¶ µ¥¹ÌÁö+³»¼º 5ÇÁ·Î
ÇÇÇØÁõ°¡ 1186(3162*1.35=4269)
ÇÇÇØÁõ°¡: (290173+4269+1000)/(290173+1000) -> 1.47%
»óº¯µ¥¹ÌÁö: (1+0.5*0.25)/(1+0.5*0.2) -> 2.27%
Áï, 1.47%¿Í 2.27% -> 3.77%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù
µö ´ÙÀ̹ö ¿À¸®¹ß-(2) ¹«·ÂÈ °ÔÀÌÁö °¨¼Ò·® 10% Áõ°¡ ¹× ÇÇÇØÁõ°¡
ÇÇÇØÁõ°¡ 1186+193*10((3162+515*10)*1.35=11221)
ÇÇÇØÁõ°¡: (290173+11221+1000)/(290173+1000) -> 3.85%
Áï, 3.85%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
¸¶¹ý¼® ¿É¼Ç
¿£Æ® Á¤·É ½ÉÀå-(1) ¸ð¼ÓÀú 250ÀÌ»óÀ̸é È»ó µ¥¹ÌÁö 15ÇÁ·Î Áõ°¡
ÇÇÇØÁõ°¡ 889(2371*1.35=3201)
ÇÇÇØÁõ°¡: (290173+3201+1000)/(290173+1000) -> 1.10%
»óº¯µ¥¹ÌÁö: (1+0.5*0.35)/(1+0.5*0.2) -> 6.82%
Áï, 1.10%¿Í 6.82% -> 8.00%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
¿£Æ® Á¤·É ½ÉÀå-(2) Äð25ÃÊ ÀÌ»ó ½ºÅ³ »ç¿ë½Ã ´ÜÀÏ ¼Ó°25Áõ°¡
ÇÇÇØÁõ°¡ 741(1976*1.35=2668)
ÇÇÇØÁõ°¡: (290173+2668+1000)/(290173+1000) -> 0.92%
¼Ó¼º°È: (336*0.45+105)/244.95 -> 4.59%
Áï, 0.92%¿Í 4.59% -> 5.55%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
ºí·ç º£¸± Áª½ºÅæ-(1) º¸½º °ø°Ý½Ã 20Ãʰ£ Ȼ󵥹ÌÁö 20ÇÁ·Î(Äð 30ÃÊ)
ÇÇÇØÁõ°¡ 296(790*1.35=1067)
ÇÇÇØÁõ°¡: (290173+1067+1000)/(290173+1000) -> 0.37%
»óº¯µ¥¹ÌÁö: (1+0.5*0.4)/(1+0.5*0.2) -> 9.09%
Áï, 0.37%¿Í 9.09% -> 9.49%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
ºí·ç º£¸± Áª½ºÅæ-(2) º¸½º °ø°Ý½Ã 20Ãʰ£ ȼӰ 35(Äð 30ÃÊ)
ÇÇÇØÁõ°¡ 741(1976*1.35=2668)
ÇÇÇØÁõ°¡: (290173+2668+1000)/(290173+1000) -> 0.92%
¼Ó°µ¥¹ÌÁö: (346*0.45+105)/244.95 -> 6.43%
Áï, 0.92%¿Í 6.43% -> 7.41%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
µö ´ÙÀ̹ö ¸¶½ºÅ©-(1) Ä«¿îÅÍ ½ºÁõ 8ÇÁ·Î
ÇÇÇØÁõ°¡ 741(1976*1.35=2668)
ÇÇÇØÁõ°¡: (290173+2668+1000)/(290173+1000) -> 0.92%
½ºÁõ´ï: 8%
Áï, 0.92%¿Í 8% -> 9.00%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
µö ´ÙÀ̹ö ¸¶½ºÅ©-(2) °¨Àü, È»ó µ¥¹ÌÁö+³»¼º 5ÇÁ·Î
ÇÇÇØÁõ°¡ 1186(3162*1.35=1601)
ÇÇÇØÁõ°¡: (290173+4269+1000)/(290173+1000) -> 1.47%
»óº¯µ¥¹ÌÁö: (1+0.5*0.25)/(1+0.5*0.2) -> 2.27%
Áï, 1.47%¿Í 2.27% -> 3.77%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
µö ´ÙÀ̹ö ¸¶½ºÅ©-(3) ¹«·ÂÈ °ÔÀÌÁö °¨¼Ò·® 10% Áõ°¡ ¹× ÇÇÇØÁõ°¡
ÇÇÇØÁõ°¡ 1186+193*10((3162+515*10)*1.35=11221)
ÇÇÇØÁõ°¡: (290173+11221+1000)/(290173+1000) -> 3.85%
Áï, 3.85%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
±Í°ÉÀÌ ¿É¼Ç
¿£Æ® Á¤·É ±Í°ÉÀÌ-(1) ¸ð¼ÓÀú 250ÀÌ»óÀÌ¸é °¨Àü µ¥¹ÌÁö 15ÇÁ·Î Áõ°¡
ÇÇÇØÁõ°¡ 889(2371*1.35=3201)
ÇÇÇØÁõ°¡: (290173+3201+1000)/(290173+1000) -> 1.10%
»óº¯µ¥¹ÌÁö: (1+0.5*0.35)/(1+0.5*0.2) -> 6.82%
Áï, 1.10%¿Í 6.82% -> 8.00%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
¿£Æ® Á¤·É ±Í°ÉÀÌ-(2) °¡Àå ³ôÀº »óº¯³»¼º12ÇÁ·Î ¸¶´Ù »óº¯µ¥¹ÌÁö 5ÇÁ·ÎÁõ°¡(ÃÖ´ë15ÇÁ·Î)
ÇÇÇØÁõ°¡ 593(1581*1.35=2134)
ÇÇÇØÁõ°¡: (290173+2134+1000)/(290173+1000) -> 0.73%
»óº¯µ¥¹ÌÁö: (1+0.5*0.35)/(1+0.5*0.2) -> 6.82%
Áï, 0.73%¿Í 6.82% -> 7.60%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
¿£Æ® Á¤·É ±Í°ÉÀÌ-(2) °¡Àå ³ôÀº »óº¯ µ¥¹ÌÁö°¡ 20ÆÛ ¹Ì¸¸À̸é ÇÇÇØÁõ°¡ 4446
ÇÇÇØÁõ°¡ 741+4446((1976+11854)*1.35=18671)
ÇÇÇØÁõ°¡: (290173+18671+1000)/(290173+1000) -> 6.41%
Áï, 6.41%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
½£¼ÓÀÇ ¸¶³à ±Í°ÉÀÌ- º¸½º °ø°Ý½Ã ¸ð¼Ó° 20
ÇÇÇØÁõ°¡ 741(1976*1.35=2668)
ÇÇÇØÁõ°¡: (290173+2668+1000)/(290173+1000) -> 0.92%
¼Ó¼º°È: (331*0.45+105)/244.95 -> 3.67%
Áï, 0.92%¿Í 3.67% -> 4.62%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
ºí·ç º£¸± À̾- º¸½º °ø°Ý½Ã 20Ãʰ£ °¨Àüµ¥¹ÌÁö 20ÇÁ·Î(Äð 30ÃÊ)
ÇÇÇØÁõ°¡ 296(790*1.35=1067)
ÇÇÇØÁõ°¡: (290173+1067+1000)/(290173+1000) -> 0.37%
Áõ°¡ »óº¯µ¥¹ÌÁö: (1+0.5*0.4)/(1+0.5*0.2) -> 9.09%
Áï, 0.37%¿Í 9.09% -> 9.49%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
ºí·ç º£¸± À̾-(2) º¸½º °ø°Ý½Ã 20Ãʰ£ ¸í¼Ó° 35(Äð 30ÃÊ)
ÇÇÇØÁõ°¡ 741(1976*1.35=2668)
ÇÇÇØÁõ°¡: (290173+2668+1000)/(290173+1000) -> 0.92%
Áõ°¡ ¼Ó°µ¥¹ÌÁö: (346*0.45+105)/244.95 -> 6.43%
Áï, 0.92%¿Í 6.43% -> 7.41%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
ºí·ç º£¸± À̾-(3) Á¤¸é or ¹é¾îÅà °ø°Ý½Ã ½ºÁõ´ï 8ÇÁ·Î
ÇÇÇØÁõ°¡ 148(395*1.35=533)
ÇÇÇØÁõ°¡: (290173+533+1000)/(290173+1000) -> 0.18%
½ºÁõ´ï: 8%
Áï, 0.18%¿Í 8% -> 8.19%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
ºí·ç º£¸± À̾-(4) ±âº»±â °ø°Ý½Ã 10Ãʵ¿¾È ¸ð¼Ó°35 (Äð15ÃÊ)
ÇÇÇØÁõ°¡ 889(2371*1.35=3201)
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Áï, 1.10%¿Í 4.59% -> 6.90%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
µö ´ÙÀ̹ö ±Í°ÉÀÌ- º¸½º °ø°Ý½Ã ½ºÁõ´ï 6ÇÁ·Î
ÇÇÇØÁõ°¡ 741(1976*1.35=2668)
ÇÇÇØÁõ°¡: (290173+2668+1000)/(290173+1000) -> 0.92%
½ºÁõ´ï: 6%
Áï, 0.92%¿Í 6% -> 6.98%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
µö ´ÙÀ̹ö ±Í°ÉÀÌ-(2) ¹«·ÂÈ °ÔÀÌÁö °¨¼Ò·® 10% Áõ°¡ ¹× ÇÇÇØÁõ°¡
ÇÇÇØÁõ°¡: (290173+11221+1000)/(290173+1000) -> 3.85%
Áï, 3.85%ÀÇ µ¥¹ÌÁö È¿À²ÀÔ´Ï´Ù.
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10/23 »ç¿ëÇÑ °è»ê½Ä
-´ñ±Ûº¸°í Á¦°¡ »ç¿ëÇÑ °è»ê½Ä ¿Ã¸³´Ï´Ù.
1: ÇØ´ç¿É¼ÇÀÇ ·¹º§ - ½ÇÇè¿¡¼´Â ¸ðµÎ 70·¹º§·Î ÅëÀÏÇß¾ú½À´Ï´Ù.
2: ÇöÀç ÀÚ½ÅÀÇ ´É·ÂÄ¡ - ½ÇÇè ij¸¯ ±âÁØÀ¸·Î ÇÇÁõ290173, ¼Ó°311, »óº¯ µ¥¹ÌÁö20, º¯È¯ 50ÇÁ·ÎÀÔ´Ï´Ù. ½ºÁõµ©Àº 0 °íÁ¤ÀÔ´Ï´Ù.
3: ÇØ´ç ¿É¼ÇÀÇ µ¥¹ÌÁö ¼öÄ¡ ±âÀÔ
4: ÃÖÁ¾ µ¥¹ÌÁö Áõ°¡À² È®ÀÎ
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