좋은곳, 좋은 느낌, 좋은 사람들.. knight knight http://blog.daum.net/nightway78 Daum blog (blogmaster@daum.net) tag:blog.daum.net,2009:nightway78 2009-11-17T19:34:58Z 4. 변액보험 약관 주요 내용 tag:blog.daum.net,2009:nightway78.17966925 knight 2009-11-17T19:34:58Z 2009-11-17T19:34:58Z &nbsp; <P style="FONT-SIZE: 10pt; MARGIN: 0in"><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">가</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'">. </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">보험료</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">납입</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>1) </SPAN><SPAN lang=ko>변액</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>종신보험</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>- </SPAN><SPAN lang=ko>월납</SPAN><SPAN lang=en-US>/</SPAN><SPAN lang=ko>일시납</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>만이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>선택가능</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>- 2</SPAN><SPAN lang=ko>개월</SPAN><SPAN lang=en-US>/3</SPAN><SPAN lang=ko>개월</SPAN><SPAN lang=en-US>/6</SPAN><SPAN lang=ko>개월</SPAN><SPAN lang=en-US>/</SPAN><SPAN lang=ko>연납</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>등의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>비월납은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>운용하지</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>않음</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>2) </SPAN><SPAN lang=ko>변액</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>연금</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>- </SPAN><SPAN lang=ko>월납</SPAN><SPAN lang=en-US>/</SPAN><SPAN lang=ko>일시납</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>만이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>선택가능</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>- 2</SPAN><SPAN lang=ko>개월</SPAN><SPAN lang=en-US>/3</SPAN><SPAN lang=ko>개월</SPAN><SPAN lang=en-US>/6</SPAN><SPAN lang=ko>개월</SPAN><SPAN lang=en-US>/</SPAN><SPAN lang=ko>연납</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>등의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>비월납은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>운용하지</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>않음</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>3) </SPAN><SPAN lang=ko>변액</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>유니버설</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>- </SPAN><SPAN lang=ko>기본적으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험기간과</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>납입기간이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>종신</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>- </SPAN><SPAN lang=ko>원래는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>원할</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>때</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>납입하고</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>해지되지</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>않는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>한도내에서</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>원하는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>기간만큼</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>납입을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>하지</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>않을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>수</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>도</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>있다</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>나</SPAN><SPAN lang=en-US>. </SPAN><SPAN lang=ko>보험료</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>추가납입</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>1</SPAN><SPAN lang=ko>배</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>이내에서</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>계약</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>체결시</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>납입하기로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>기본보험료를</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>납입</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>가능</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>다</SPAN><SPAN lang=en-US>. </SPAN><SPAN lang=ko>선납보험료</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>변액연금보험</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>변액유니버설보험</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>등이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>허용</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>선납이라고</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>할인은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>없다</SPAN><SPAN lang=en-US>.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>보험료</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>배수로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>선납가능</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>납입과</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>동시에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>바로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>특별계정으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투입되지</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>않고</SPAN><SPAN lang=en-US>, (</SPAN><SPAN lang=ko>투입되는건</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>추가납입</SPAN><SPAN lang=en-US>) </SPAN><SPAN lang=ko>매월</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>계약해당일</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>마다</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투입된다</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; MARGIN: 0in; COLOR: red; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>라</SPAN><SPAN lang=en-US>. </SPAN><SPAN lang=ko>특별계정</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투입</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험료</SPAN></P> <DIV style="DIRECTION: ltr"> <TABLE style="BORDER-RIGHT: #a3a3a3 1pt solid; BORDER-TOP: #a3a3a3 1pt solid; MARGIN-LEFT: 0.333in; BORDER-LEFT: #a3a3a3 1pt solid; DIRECTION: ltr; BORDER-BOTTOM: #a3a3a3 1pt solid; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 border=1 valign="top"> <TBODY> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 2.079in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>변액</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>종신보험</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>변액</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>연금보험</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 5.572in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>납입</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험료</SPAN><SPAN lang=en-US> - </SPAN><SPAN lang=ko>부가보험료</SPAN><SPAN lang=en-US>(</SPAN><SPAN lang=ko>신</SPAN><SPAN lang=en-US>,</SPAN><SPAN lang=ko>유</SPAN><SPAN lang=en-US>,</SPAN><SPAN lang=ko>수</SPAN><SPAN lang=en-US>) = </SPAN><SPAN lang=ko>특별계정</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투입</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험료</SPAN></P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 2.079in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>변액</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>유니버설</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 5.572in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>납입</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험료</SPAN><SPAN lang=en-US> (</SPAN><SPAN lang=ko>특약보험료</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>포함</SPAN><SPAN lang=en-US>) - </SPAN><SPAN lang=ko>수금비</SPAN><SPAN lang=en-US>(</SPAN><SPAN lang=ko>특약의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>수금비</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>제외</SPAN><SPAN lang=en-US>) = </SPAN><SPAN lang=ko>특별계정</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투입</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험료</SPAN></P></TD></TR></TBODY></TABLE></DIV> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>특약</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험료는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>전액</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>일반계정에서</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>운용된다</SPAN><SPAN lang=en-US>.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>변액에서</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>신유를</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>빼지</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>않는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>것은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>대체보험료로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>차감하기</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>때문이다</SPAN><SPAN lang=en-US>.</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; MARGIN: 0in; COLOR: red; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>마</SPAN><SPAN lang=en-US>. </SPAN><SPAN lang=ko>보험료의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>특별계정</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투입</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>1) </SPAN><SPAN lang=ko style="COLOR: red">제</SPAN><SPAN lang=en-US style="COLOR: red">1</SPAN><SPAN lang=ko style="COLOR: red">회</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">보험료의</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">특별</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">계정</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">투입</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>청약철회</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>이전</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>승낙이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>이루어</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>졌을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>겨우</SPAN></P> <DIV style="DIRECTION: ltr"> <TABLE style="BORDER-RIGHT: #a3a3a3 1pt solid; BORDER-TOP: #a3a3a3 1pt solid; MARGIN-LEFT: 0.707in; BORDER-LEFT: #a3a3a3 1pt solid; DIRECTION: ltr; BORDER-BOTTOM: #a3a3a3 1pt solid; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 border=1 valign="top"> <TBODY> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 2.453in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>10/1 </SPAN><SPAN lang=ko>청약일</SPAN><SPAN lang=en-US> (</SPAN><SPAN lang=ko>제</SPAN><SPAN lang=en-US> 1</SPAN><SPAN lang=ko>회</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험료</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>납입일</SPAN><SPAN lang=en-US>)</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.667in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.666in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>10/16 </SPAN><SPAN lang=ko>청약철회</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>종료일</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 3.683in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>10/17 </SPAN><SPAN lang=ko>특별계정으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투입</SPAN><SPAN lang=en-US>(</SPAN><SPAN lang=ko>특별계정</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투입</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험료</SPAN><SPAN lang=en-US> +</SPAN><SPAN lang=ko>이자</SPAN><SPAN lang=en-US>)</SPAN></P></TD></TR></TBODY></TABLE></DIV> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>청약철회</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>종료일</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>이후</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>승낙이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>이루어</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>졌을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>경우</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>승낙일을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>이체사유가</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>발생한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>날로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>하고</SPAN><SPAN lang=en-US> </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>청약철회기간</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>종료일의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>다음날</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>까지는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>예정이율로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>적립하고</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>이후의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>기간에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>대해서는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>특별계정의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>운용실적에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>따라</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>적립한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>금액으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투입한다</SPAN><SPAN lang=en-US>.</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>2) </SPAN><SPAN lang=ko>제</SPAN><SPAN lang=en-US>2</SPAN><SPAN lang=ko>회</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>이후</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험료의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>특별</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>계정</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투입</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>이체사유가</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>발생한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>날을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>기준으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>특별계정으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투입한다</SPAN><SPAN lang=en-US>.</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>원래</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>날짜에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>납입시</SPAN><SPAN lang=en-US><SPAN style="mso-spacerun: yes">&nbsp; </SPAN>: </SPAN><SPAN lang=ko>원래</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>날짜를</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>이체발생이로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>하여</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>특별계정으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투입</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>미루어서</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>좀</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>늦게</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>납입시</SPAN><SPAN lang=en-US> : </SPAN><SPAN lang=ko>납입일</SPAN><SPAN lang=en-US> + </SPAN><SPAN lang=ko>제</SPAN><SPAN lang=en-US> 2</SPAN><SPAN lang=ko>영업일을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>이체사유</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>발생한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>날로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>하여</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>특별계정</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투입함</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>서둘러서</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>납입일</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>이전에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>납입시</SPAN><SPAN lang=en-US> : </SPAN><SPAN lang=ko>원래</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>납입일</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>까지</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>예정이율로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>부리한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>이자를</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>함께</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투입한다</SPAN><SPAN lang=en-US>.</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>간혹</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>무조건</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>납입일</SPAN><SPAN lang=en-US> + 2</SPAN><SPAN lang=ko>일날</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>바로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투입하는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>경우도</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>있다</SPAN><SPAN lang=en-US>. (</SPAN><SPAN lang=ko>특정</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>회사</SPAN><SPAN lang=en-US>)</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>3) </SPAN><SPAN lang=ko>추가</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>납입</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험료</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>납입</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>즉시</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투입</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>바</SPAN><SPAN lang=en-US>. </SPAN><SPAN lang=ko>월대체</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험료</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>유니버설의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>특성</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>때문에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험회사에서는</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>특약보험료와</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>부가보험료</SPAN><SPAN lang=en-US>(</SPAN><SPAN lang=ko>신</SPAN><SPAN lang=en-US>/</SPAN><SPAN lang=ko>유</SPAN><SPAN lang=en-US>)</SPAN><SPAN lang=ko>를</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험료</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>납입시에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>공제</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>하지</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>않고</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>매월</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>계약</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>해당일에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>당월</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>위험보험료와</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>함께</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>차감한다</SPAN><SPAN lang=en-US>. </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>(</SPAN><SPAN lang=ko>기존</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>기</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>납입</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험료에서</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>말이지</SPAN><SPAN lang=en-US>) </SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>자</SPAN><SPAN lang=en-US>. </SPAN><SPAN lang=ko>사망보험금</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>사망일을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>기준으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>기본보험금</SPAN><SPAN lang=en-US> + </SPAN><SPAN lang=ko>변동</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험금</SPAN><SPAN lang=en-US style="COLOR: red"> (</SPAN><SPAN lang=ko style="COLOR: red">사망일자</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">기준이다</SPAN><SPAN lang=en-US style="COLOR: red">!!!)</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>차</SPAN><SPAN lang=en-US>. </SPAN><SPAN lang=ko>해약환급금</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>해약</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>신청일의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>특별계정</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>적립금에서</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>미상각</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>신계약비를</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>차감한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>금액을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>해약환급금으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>지급함</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>해약환급금에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>대한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>최저</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보증은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>없다</SPAN><SPAN lang=en-US>!!!</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>타</SPAN><SPAN lang=en-US>. </SPAN><SPAN lang=ko>보험료</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>납입</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>최고</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>기간</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>계약자가</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>제</SPAN><SPAN lang=en-US>2</SPAN><SPAN lang=ko>회</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>이후의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험료를</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>납입기일까지</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>납입하지</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>아니한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>경우</SPAN><SPAN lang=en-US> </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>납입기일</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>다음날</SPAN><SPAN lang=en-US> ~ </SPAN><SPAN lang=ko>납입기일이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>속하는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>달의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>다음달</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>말일</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>까지</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>거</SPAN><SPAN lang=en-US>. </SPAN><SPAN lang=ko>보험계약</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>대출</SPAN><SPAN lang=en-US> </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>보험계약대출금과</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>이자를</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>상환할</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>경우</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>상환금액에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>해당하는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>금액을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>상환일에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>일반계정에서</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>특별계정으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투입한다</SPAN><SPAN lang=en-US>.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>1) </SPAN><SPAN lang=ko>변액보험의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험계약</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">대출원금</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">처리</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>Case 1) </SPAN><SPAN lang=ko>보험계약</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>대출금액을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>일반계정에서</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>먼저</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>지급한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>후</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>특별계정의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>계약자</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>적립금에서</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>그</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>금액만큼</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>차감하여</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>일반계정으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>이체</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>대출금액만큼</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>특별계정에서</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>운용되지</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>않음</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>Case 2) </SPAN><SPAN lang=ko>보험계약대출금액에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>해당하는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>금액만큼을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>일반계정에서</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>신용</SPAN><SPAN lang=en-US>(</SPAN><SPAN lang=ko>담보</SPAN><SPAN lang=en-US>)</SPAN><SPAN lang=ko>대출로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>처리</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>특별계정은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>그대로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>운용됨</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>해약환급금과</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험금에서</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>차감당함</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>2) </SPAN><SPAN lang=ko>변액보험의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험계약</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko style="COLOR: red">대출이자</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">처리</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>보험계약</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>대출이율이</SPAN><SPAN lang=en-US> 7%</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>보험계약</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>대출</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>수수료가</SPAN><SPAN lang=en-US> 1.5%</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>계약자가</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>대출이자</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>납입시</SPAN><SPAN lang=en-US> </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>수수료율</SPAN><SPAN lang=en-US> 1.5%</SPAN><SPAN lang=ko>제외한</SPAN><SPAN lang=en-US> 5.5%</SPAN><SPAN lang=ko>의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>금액은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>특별계정으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투입되어</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>계약자의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>적립금에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>더해진다</SPAN><SPAN lang=en-US>.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>따지고</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보면</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>대출이율이</SPAN><SPAN lang=en-US> 1.5%</SPAN><SPAN lang=ko>라는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>느낌이다</SPAN><SPAN lang=en-US>.</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>3) </SPAN><SPAN lang=ko>계약내용</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변경</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>1) </SPAN><SPAN lang=ko>보험가입금액</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변경</SPAN><SPAN lang=en-US>(</SPAN><SPAN lang=ko>감액</SPAN><SPAN lang=en-US>)</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>증액은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>불가하나</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>감액은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>가능</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>2) </SPAN><SPAN lang=ko>변액보험에서</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>유사한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>일반보험으로의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>전환</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>변액종신에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>한하여</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>계약자가</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>일반보험으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>전환을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>요구하여</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>서면으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>신청할</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>경우</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험회사가</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>정하는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>방법에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>따라</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>유사한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>전환</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>3) </SPAN><SPAN lang=ko>정정</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>4) </SPAN><SPAN lang=ko>펀드</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변경</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>5) </SPAN><SPAN lang=ko>펀드자동재배분</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>옵션</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변경</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>펀드자동</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>재배분</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>여부를</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>선택</SPAN><SPAN lang=en-US>/</SPAN><SPAN lang=ko>비선택으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>자유롭게</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>설정</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>러</SPAN><SPAN lang=en-US>. </SPAN><SPAN lang=ko>초기투자자금</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>특별계정</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>최초</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>개설시</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>회사</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>자산의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>일부를</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>초기투자자금으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>펀드에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투입항</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>초기펀드의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>자산이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>일정</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>규모</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>이상을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>유지할</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>수</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>있도록</SPAN><SPAN lang=en-US> </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>일반</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>계정에서</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>특별계정으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>펀드이체</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>설정</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; COLOR: red; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>관계</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>법령</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>및</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>규정에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>의한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>초기</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투자자금의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>운용</SPAN><SPAN lang=en-US> (</SPAN><SPAN lang=ko>중요</SPAN><SPAN lang=en-US>)</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>1) </SPAN><SPAN lang=ko>규모는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>일반계정</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>총</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>자산의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold">1%</SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">와</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> 100</SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">억원</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">중</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">작은</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">금액</SPAN><SPAN lang=ko>을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>최고</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>한도로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>한다</SPAN><SPAN lang=en-US>. </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>2) </SPAN><SPAN lang=ko>특별계정</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>자산이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>분기말</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>기준으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>초기</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투자자금의</SPAN><SPAN lang=en-US> 200%</SPAN><SPAN lang=ko>를</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>초과하는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>경우</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>초기투자자금을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>특별계정의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>기준가격에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>따라</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold">3</SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">개월</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">이내</SPAN><SPAN lang=ko>에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>일반</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>계정으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>상환한다</SPAN><SPAN lang=en-US>.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>3) </SPAN><SPAN lang=ko>초기투자자금의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>이체</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>또는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>상환은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">현금으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>한다</SPAN><SPAN lang=en-US>.</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>머</SPAN><SPAN lang=en-US>. </SPAN><SPAN lang=ko>특별계정의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>증설</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>및</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>폐지</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>1) </SPAN><SPAN lang=ko>당해</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>각</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">특별계정의</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">자산</SPAN><SPAN lang=ko>이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>급격히</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>감소</SPAN><SPAN lang=en-US>/ </SPAN><SPAN lang=ko>자산가치의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변화로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>인해</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>효율적인</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>자산운용이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>곤란할</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>경우</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>2) 1</SPAN><SPAN lang=ko>개월간</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>계속하여</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">순자산의</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">가치가</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> 100</SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">억원</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">미달</SPAN><SPAN lang=ko>할</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>경우</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>3) </SPAN><SPAN lang=ko>당해</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>각</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>특별계정의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">운용대상이</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">소멸</SPAN><SPAN lang=ko>할</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>경우</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>위의</SPAN><SPAN lang=en-US> 1/2/3</SPAN><SPAN lang=ko>의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>해당하는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>경우</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>계약자가</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변경을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>요구하더라도</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>수수료</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>내면</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>안되고</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>펀드</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변경회수에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>포함시키면</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>안된다</SPAN><SPAN lang=en-US>.</SPAN></P> 3. 변액보험의 자산운용 tag:blog.daum.net,2009:nightway78.17966924 knight 2009-11-17T19:34:14Z 2009-11-17T19:34:14Z &nbsp; <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>특별계정의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>필요성</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>1) </SPAN><SPAN lang=ko>변액보험과</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>일반보험은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>자산운용의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>실적에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>대한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투자위험의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>부담자가</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>상이하다</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>2) </SPAN><SPAN lang=ko>자산운용의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>평가방법이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>서로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>상이하다</SPAN><SPAN lang=en-US>.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>변액</SPAN><SPAN lang=en-US> : </SPAN><SPAN lang=ko>매일매일</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>시가법에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>의해</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>평가</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>일반</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험</SPAN><SPAN lang=en-US> : </SPAN><SPAN lang=ko>장부가로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>평가</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>3) </SPAN><SPAN lang=ko>자산운용의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>목적이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>상이</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>변액보험의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>현금</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>흐름</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>순보험료</SPAN><SPAN lang=en-US> (</SPAN><SPAN lang=ko>저축보험료</SPAN><SPAN lang=en-US> + </SPAN><SPAN lang=ko>위험보험료</SPAN><SPAN lang=en-US>)</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>부가보험료</SPAN><SPAN lang=en-US> (</SPAN><SPAN lang=ko>신계약비</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>유지비</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>수금비</SPAN><SPAN lang=en-US>) -> </SPAN><SPAN lang=ko>이중</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>유지비만</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>납입기간</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>이후에도</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>발생함</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; MARGIN: 0in; COLOR: red; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>특별계정</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투입</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험료</SPAN><SPAN lang=en-US> = </SPAN><SPAN lang=ko>영업보험료</SPAN><SPAN lang=en-US> - (</SPAN><SPAN lang=ko>신계약비</SPAN><SPAN lang=en-US> + </SPAN><SPAN lang=ko>납입중</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>유지비</SPAN><SPAN lang=en-US> + </SPAN><SPAN lang=ko>수금비</SPAN><SPAN lang=en-US>) = </SPAN><SPAN lang=ko>순보험료</SPAN><SPAN lang=en-US> + </SPAN><SPAN lang=ko>완납후</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>유지비</SPAN><SPAN lang=en-US>(</SPAN><SPAN lang=ko>미래에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>사용해야</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>할</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>유지비</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>까지</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>포함</SPAN><SPAN lang=en-US>)</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>자연식</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>위험</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험료는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>나이가</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>증가할</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>수록</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>조금씩</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>증가하므로</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>특별계정</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투입보험료는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>연령이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>증가함에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>따라</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>조금씩</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>줄어든다</SPAN><SPAN lang=en-US>.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in"><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">특별계정의</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">종류</SPAN></P> <DIV style="DIRECTION: ltr"> <TABLE style="BORDER-RIGHT: #a3a3a3 1pt solid; BORDER-TOP: #a3a3a3 1pt solid; MARGIN-LEFT: 0.333in; BORDER-LEFT: #a3a3a3 1pt solid; DIRECTION: ltr; BORDER-BOTTOM: #a3a3a3 1pt solid; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 border=1 valign="top"> <TBODY> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.39in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>채권형</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>펀드</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>(</SPAN><SPAN lang=ko>주식에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투자</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>안함</SPAN><SPAN lang=en-US>)</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.656in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>일반적인</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>채권형</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>펀드</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 4.686in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>일반적인</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>국</SPAN><SPAN lang=en-US>/</SPAN><SPAN lang=ko>공채등에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투자</SPAN><SPAN lang=en-US>,</SPAN><SPAN lang=ko>운용</SPAN></P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.39in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.656in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>단기채권형</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>펀드</SPAN><SPAN lang=en-US>(MMF)</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 4.686in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>콜</SPAN><SPAN lang=en-US>,CD,CP</SPAN><SPAN lang=ko>등</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>단기현금성</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>자산에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투자</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>고수익</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>기대는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>힘드나</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>원금</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>손실</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>발생</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>가능성은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>거의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>없음</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>리스크</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>헷지용</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>펀드</SPAN></P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.39in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>주식형</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>펀드</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.656in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>주식투자</SPAN><SPAN lang=en-US> 60%</SPAN><SPAN lang=ko>이상</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 4.686in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>- </SPAN><SPAN lang=ko>인덱스</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>혼합형</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>펀드</SPAN><SPAN lang=en-US> ; KOSPI200</SPAN><SPAN lang=ko>지수에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>연동하여</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>포트폴리오를</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>구성함</SPAN></P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.39in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>혼합형</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>펀드</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.656in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in"><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">주식투자</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> 60%</SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">미만</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 4.686in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P></TD></TR></TBODY></TABLE></DIV> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in"><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">적합성</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">원칙과</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">고객투자성향</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">분석</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> : </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">고객의</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">투자성향에</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">대한</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">인지수준</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'">, </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">소득상황</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'">, </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">투자목적</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'">, </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">투자경험등에</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">비추어</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">적합한</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">투자만</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">권유</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>이것은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>향후</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변액보험에도</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>적용될</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>가능성이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>있다</SPAN><SPAN lang=en-US>.</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>1> </SPAN><SPAN lang=ko>변액보험의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>자산운용</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>기본원칙</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>1)</SPAN><SPAN lang=en-US style="COLOR: blue"> </SPAN><SPAN lang=ko style="COLOR: blue">안정성</SPAN><SPAN lang=en-US> : </SPAN><SPAN lang=ko>장기적인</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>수익성</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>추구를</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>원칙으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>함</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>2)</SPAN><SPAN lang=en-US style="COLOR: blue"> </SPAN><SPAN lang=ko style="COLOR: blue">수익성</SPAN><SPAN lang=en-US style="COLOR: blue"> :</SPAN><SPAN lang=en-US> </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>3) </SPAN><SPAN lang=ko style="COLOR: blue">유동성</SPAN><SPAN lang=en-US style="COLOR: blue"> :</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>특별계정은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>일반계정보다는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>높은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>수준의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>유동성을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>확보해야</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>함</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>2> </SPAN><SPAN lang=ko>변액보험의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>자산운용은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>…</SPAN><SPAN lang=en-US>. </SPAN><SPAN lang=ko>아래의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>법규에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>의해</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>엄격하게</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>제한됨</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>1) </SPAN><SPAN lang=ko>보험업법</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>2) </SPAN><SPAN lang=ko>보험업법</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>시행령</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>3) </SPAN><SPAN lang=ko>보험업</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>감독</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>규정</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>4) </SPAN><SPAN lang=ko>보험업</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>감독업무</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>시행세칙</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>5) </SPAN><SPAN lang=ko>자본시장</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>및</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>금융투자업에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>관한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>법률</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>및</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>시행령</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>3> </SPAN><SPAN lang=ko>자산평가</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>방법</SPAN></P> <DIV style="DIRECTION: ltr"> <TABLE style="BORDER-RIGHT: #a3a3a3 1pt solid; BORDER-TOP: #a3a3a3 1pt solid; MARGIN-LEFT: 0.333in; BORDER-LEFT: #a3a3a3 1pt solid; DIRECTION: ltr; BORDER-BOTTOM: #a3a3a3 1pt solid; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 border=1 valign="top"> <TBODY> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.351in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">운용대상</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 2.136in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">평가방법</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.945in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.351in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>국내</SPAN><SPAN lang=en-US>/</SPAN><SPAN lang=ko>외</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>상장</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>주식</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 2.136in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>시가평가</SPAN><SPAN lang=en-US> </SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.945in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>매일</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>계약자</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>적립금에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>반영</SPAN></P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.351in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>국내</SPAN><SPAN lang=en-US>/</SPAN><SPAN lang=ko>외</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>공</SPAN><SPAN lang=en-US>/</SPAN><SPAN lang=ko>사채</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 2.136in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">시가평가</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.945in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>매일</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>계약자</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>적립금에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>반영</SPAN></P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.351in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">대출</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 2.136in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>취득원가</SPAN><SPAN lang=en-US> + </SPAN><SPAN lang=ko>해당일의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>수입이자</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.945in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>매일</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>계약자</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>적립금에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>반영</SPAN></P></TD></TR></TBODY></TABLE></DIV> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; COLOR: blue"><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">자산운용</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">실적의</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">적립금</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">반영</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">방법</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> - </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">좌당</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">기준가격</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">방법을</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">사용</SPAN></P> <DIV style="DIRECTION: ltr"> <TABLE style="BORDER-RIGHT: #a3a3a3 1pt solid; BORDER-TOP: #a3a3a3 1pt solid; MARGIN-LEFT: 0.707in; BORDER-LEFT: #a3a3a3 1pt solid; DIRECTION: ltr; BORDER-BOTTOM: #a3a3a3 1pt solid; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 border=1 valign="top"> <TBODY> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.75in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>최초</SPAN><SPAN lang=en-US> 1000</SPAN><SPAN lang=ko>좌당</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>기준가격</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 3.748in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">1,000.00</P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.75in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>계약자</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보유좌수</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 3.748in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>특별계정</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투입</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험료</SPAN><SPAN lang=en-US> / </SPAN><SPAN lang=ko>당일</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>좌당</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>기준가격</SPAN><SPAN lang=en-US> * 1000</SPAN></P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.75in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>계약자</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>적립금</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 3.748in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>당일</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>좌당</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>기준가격</SPAN><SPAN lang=en-US> * (</SPAN><SPAN lang=ko>계약자</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보유좌수</SPAN><SPAN lang=en-US>/1000)</SPAN></P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.75in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>당일</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>좌당</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>기준가격</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 3.748in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>(</SPAN><SPAN lang=ko>전일</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>말</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>특별계정</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>순자산</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>가치</SPAN><SPAN lang=en-US>/</SPAN><SPAN lang=ko>특별계정</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>총</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>좌수</SPAN><SPAN lang=en-US>)* 1000</SPAN></P></TD></TR></TBODY></TABLE></DIV> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>투자</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>금액</SPAN><SPAN lang=en-US> : 10,000,000</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in"><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">펀드</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">기준가격</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> : 1250.00</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>보유좌수</SPAN><SPAN lang=en-US> : (10000000/1250)*1000=8000000 (800</SPAN><SPAN lang=ko>만</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>좌수</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보유</SPAN><SPAN lang=en-US>)<SPAN style="mso-spacerun: yes">&nbsp; </SPAN></SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in"><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">이후</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">펀드</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">기준가격이</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> 1400</SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">원으로</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">상승한다면</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>적립액</SPAN><SPAN lang=en-US> : (1400*8000000)/1000=11,200,000 </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in"><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">회사별</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">좌당</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">기준가격</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">확인방법</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in"><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">각회사의</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">홈페이지</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">변액보험</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">공시실에서</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">확인가능</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; COLOR: blue; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>규정상</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>아래와</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>같은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>것을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>공시하도록</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>함</SPAN></P> <DIV style="DIRECTION: ltr"> <TABLE style="BORDER-RIGHT: #a3a3a3 1pt solid; BORDER-TOP: #a3a3a3 1pt solid; MARGIN-LEFT: 1.083in; BORDER-LEFT: #a3a3a3 1pt solid; DIRECTION: ltr; BORDER-BOTTOM: #a3a3a3 1pt solid; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 border=1 valign="top"> <TBODY> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 2.329in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>변액보험</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>운용</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>설명서</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 2.704in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>변액보험</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>특별계정</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>운용현황</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 2.693in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>계약관리내용</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>조회</SPAN></P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 2.329in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>주요특징</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>주의사항</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>자산운용방법</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>가입안내등의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>자세한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>설명</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 2.704in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>특정게정별</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>전월말</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>기준</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>자산구성내역</SPAN><SPAN lang=en-US>,</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>가준가격</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>수익률</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>순자산</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>가치등을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>공시</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 2.693in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>계약자</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>본인의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보유좌수</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>해약환급금</SPAN><SPAN lang=en-US>, </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>경과기간별</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변동보험금</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>내역등을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>공시</SPAN><SPAN lang=en-US> </SPAN></P></TD></TR></TBODY></TABLE></DIV> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; MARGIN: 0in; COLOR: red"><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'">4> </SPAN><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">자산운용</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">옵션</SPAN></P> <DIV style="DIRECTION: ltr"> <TABLE style="BORDER-RIGHT: #a3a3a3 1pt solid; BORDER-TOP: #a3a3a3 1pt solid; MARGIN-LEFT: 0.333in; BORDER-LEFT: #a3a3a3 1pt solid; DIRECTION: ltr; BORDER-BOTTOM: #a3a3a3 1pt solid; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 border=1 valign="top"> <TBODY> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.667in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">1.</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.979in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>특별계정</SPAN><SPAN lang=en-US>(</SPAN><SPAN lang=ko>펀드</SPAN><SPAN lang=en-US>) </SPAN><SPAN lang=ko>변경</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>기능</SPAN><SPAN lang=en-US> </SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">- Fund Transfer</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 6.57in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>- 자산</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>운용에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>대한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>고객의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>간접</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>선택권</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>제공</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>- </SPAN><SPAN lang=ko>계약자에게</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>효율적인</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>포트폴리오</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>관리</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>기회</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>제공</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>- </SPAN><SPAN lang=ko>회사에게</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>해약방지</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>효과를</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>통한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>상품</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>유지율</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>제고를</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>도모</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>- </SPAN><SPAN lang=ko>최대</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>펀드</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변경횟수는</SPAN><SPAN lang=en-US> 12</SPAN><SPAN lang=ko>회</SPAN><SPAN lang=en-US>(</SPAN><SPAN lang=ko>회사별로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>상이</SPAN><SPAN lang=en-US>)</SPAN></P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.667in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">2.</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.979in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>보험료</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>분산</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투입</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>기능</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">- Account Allocation</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 6.57in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>- </SPAN><SPAN lang=ko>계약자가</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험가입시</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>납입보험료를</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>특별계정별로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>분산하여</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투자</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>개시할</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>수</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>있게</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>하는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>기능</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>- </SPAN><SPAN lang=ko>계약자가</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>리스크</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>분산</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>자산운용을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>간접적으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>할</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>수</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>있는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>장점</SPAN></P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.667in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">3.</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.979in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: red; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>펀드</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>자동배분</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>기능</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: red; FONT-FAMILY: '맑은 고딕'">- Auto Rebalancing</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: red; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>(</SPAN><SPAN lang=ko>매우</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>중요</SPAN><SPAN lang=en-US>)</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 6.57in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>- </SPAN><SPAN lang=ko>변동된</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>펀드</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>적립액</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>비율을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>고객이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>계약</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>체결시</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>또는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>펀드</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변경시</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>설정한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>비율로</SPAN><SPAN lang=en-US> </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>자동</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>재배분하는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>기능을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>옵션으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>부가</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>- </SPAN><SPAN lang=ko>계약자는</SPAN><SPAN lang=en-US> (</SPAN><SPAN lang=ko>체결시</SPAN><SPAN lang=en-US>/</SPAN><SPAN lang=ko>보험계약기간중</SPAN><SPAN lang=en-US>) </SPAN><SPAN lang=ko>이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>기능의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>적용여부를</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>선택할</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>수</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>있다</SPAN><SPAN lang=en-US> </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>(</SPAN><SPAN lang=ko>매</SPAN><SPAN lang=en-US> 3</SPAN><SPAN lang=ko>개월</SPAN><SPAN lang=en-US>, 6</SPAN><SPAN lang=ko>개월등</SPAN><SPAN lang=en-US>) </SPAN><SPAN lang=ko>일정기간마다</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>적용됨</SPAN></P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.667in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">4.</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.979in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: red; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>보험료</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>정액분할</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투자</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>기능</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: red; FONT-FAMILY: '맑은 고딕'">-Dollar Cost Averaging,DCA</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 6.57in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>- </SPAN><SPAN lang=ko style="TEXT-DECORATION: underline">일시납</SPAN><SPAN lang=en-US style="TEXT-DECORATION: underline"> </SPAN><SPAN lang=ko style="TEXT-DECORATION: underline">보험료</SPAN><SPAN lang=en-US style="TEXT-DECORATION: underline"> </SPAN><SPAN lang=ko style="TEXT-DECORATION: underline">또는</SPAN><SPAN lang=en-US style="TEXT-DECORATION: underline"> </SPAN><SPAN lang=ko style="TEXT-DECORATION: underline">추가납입</SPAN><SPAN lang=en-US style="TEXT-DECORATION: underline"> </SPAN><SPAN lang=ko style="TEXT-DECORATION: underline">보험료</SPAN><SPAN lang=en-US style="TEXT-DECORATION: underline"> </SPAN><SPAN lang=ko style="TEXT-DECORATION: underline">등</SPAN><SPAN lang=en-US style="TEXT-DECORATION: underline"> </SPAN><SPAN lang=ko style="TEXT-DECORATION: underline">주로</SPAN><SPAN lang=en-US style="TEXT-DECORATION: underline"> </SPAN><SPAN lang=ko style="TEXT-DECORATION: underline">고액자금을</SPAN><SPAN lang=en-US style="TEXT-DECORATION: underline"> </SPAN><SPAN lang=ko style="TEXT-DECORATION: underline">일시에</SPAN><SPAN lang=en-US style="TEXT-DECORATION: underline"> </SPAN><SPAN lang=ko style="TEXT-DECORATION: underline">납입할</SPAN><SPAN lang=en-US style="TEXT-DECORATION: underline"> </SPAN><SPAN lang=ko style="TEXT-DECORATION: underline">경우</SPAN><SPAN lang=en-US style="TEXT-DECORATION: underline"> </SPAN><SPAN lang=ko style="TEXT-DECORATION: underline">활용할</SPAN><SPAN lang=en-US style="TEXT-DECORATION: underline"> </SPAN><SPAN lang=ko style="TEXT-DECORATION: underline">수</SPAN><SPAN lang=en-US style="TEXT-DECORATION: underline"> </SPAN><SPAN lang=ko style="TEXT-DECORATION: underline">있는</SPAN><SPAN lang=en-US style="TEXT-DECORATION: underline"> </SPAN><SPAN lang=ko style="TEXT-DECORATION: underline">기능</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>- </SPAN><SPAN lang=ko>펀드로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>자금을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>한번에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투입시</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>그</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>시점의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>주식</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>등</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>시장의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>흐름에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>수익률이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>크게</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>좌우되는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>불안정성을</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>해결하기</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>위해</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>개발된</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>기능</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>일시납</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험료를</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>안전한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>단기채권형</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>펀드에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투입후</SPAN><SPAN lang=en-US> 12</SPAN><SPAN lang=ko>로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>나누어</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>혼합형</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>펀드로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>나누어</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투입</SPAN></P></TD></TR></TBODY></TABLE></DIV> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P></P> 2. 변액보험의 상품내용 tag:blog.daum.net,2009:nightway78.17966923 knight 2009-11-17T19:33:48Z 2009-11-17T19:33:48Z &nbsp; <UL style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.074in; DIRECTION: ltr; unicode-bidi: embed"> <P style="FONT-SIZE: 10pt; MARGIN: 0in"><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'">1. </SPAN><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">종류</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: 'Malgun Gothic'">변액보험</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in"><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">변액유니버셜</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">보험</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'">변액연금</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>2. </SPAN><SPAN lang=ko>사망시</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>지급되는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>사망보험금이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>최저보증될</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>수</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>있도록</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>설계하는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>경우</SPAN><SPAN lang=en-US> </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>이부분을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>추가로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>부담하여</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>펀드실적이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>악화되더라도</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>최저</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>사망보험금이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보장된다</SPAN><SPAN lang=en-US>.</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>3. </SPAN><SPAN lang=ko>투자결과</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>발생하는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>손익은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>모두</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>계약자에게</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>귀속된다</SPAN><SPAN lang=en-US>. -> </SPAN><SPAN lang=ko>변액보험</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>자금을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>별도로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>특별계정을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>설정하여</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>자산을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>운용한다</SPAN><SPAN lang=en-US>.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; COLOR: red; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>변액</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>퇴직연금</SPAN><SPAN lang=en-US>(</SPAN><SPAN lang=ko>기업연금</SPAN><SPAN lang=en-US>), </SPAN><SPAN lang=ko>퇴직보험</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>연금저축</SPAN></P> <DIV style="DIRECTION: ltr"> <TABLE style="BORDER-RIGHT: #a3a3a3 1pt solid; BORDER-TOP: #a3a3a3 1pt solid; MARGIN-LEFT: 0.707in; BORDER-LEFT: #a3a3a3 1pt solid; DIRECTION: ltr; BORDER-BOTTOM: #a3a3a3 1pt solid; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 border=1 valign="top"> <TBODY> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.06in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.79in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">일반계정</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.822in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">특별계정</P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.06in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">자산평가시기</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.79in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">매월</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.822in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">매일</P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.06in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">결산시기</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.79in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">매년</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.822in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">매일</P></TD></TR></TBODY></TABLE></DIV> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>4. </SPAN><SPAN lang=ko>변액보험</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>사망보험금</SPAN><SPAN lang=en-US> = </SPAN><SPAN lang=ko>기본보험금</SPAN><SPAN lang=en-US> + </SPAN><SPAN lang=ko style="COLOR: red">변동보험금</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>변액</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>종신</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험</SPAN><SPAN lang=en-US> : </SPAN><SPAN lang=ko>기본보험금</SPAN><SPAN lang=en-US> = </SPAN><SPAN lang=ko>최저</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보장</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>사망보험금</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>변액</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>연금</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>및</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>일부</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변액</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>유니버셜</SPAN><SPAN lang=en-US> : </SPAN><SPAN lang=ko>기납입</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험료</SPAN><SPAN lang=en-US> = </SPAN><SPAN lang=ko>최저보장</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>사망보험금</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; COLOR: red; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>(</SPAN><SPAN lang=ko>매우</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>중요</SPAN><SPAN lang=en-US>!!!!!)</SPAN></P> <DIV style="DIRECTION: ltr"> <TABLE style="BORDER-RIGHT: #a3a3a3 1pt solid; BORDER-TOP: #a3a3a3 1pt solid; MARGIN-LEFT: 0.333in; BORDER-LEFT: #a3a3a3 1pt solid; DIRECTION: ltr; BORDER-BOTTOM: #a3a3a3 1pt solid; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 border=1 valign="top"> <TBODY> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.667in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">2001</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.104in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>변액</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>종신</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>(</SPAN><SPAN lang=ko>월납</SPAN><SPAN lang=en-US>,</SPAN><SPAN lang=ko style="COLOR: red">일시납</SPAN><SPAN lang=en-US>)</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.886in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>기본</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험금</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보장</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 2.663in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">GMDB</P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.667in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">2002</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.104in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>변액</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>연금</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>(</SPAN><SPAN lang=ko>월납</SPAN><SPAN lang=en-US>,</SPAN><SPAN lang=ko style="COLOR: red">일시납</SPAN><SPAN lang=en-US>)</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.886in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>기</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>납입</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험료</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보장</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 2.663in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">GMDB+GMAB (GMWB+GMIB+GLWB)</P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.667in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">2003</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.104in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>변액</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>유니버셜</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>(</SPAN><SPAN lang=ko>월납</SPAN><SPAN lang=en-US>-</SPAN><SPAN lang=ko>자유납</SPAN><SPAN lang=en-US>)</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.886in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>보장</SPAN><SPAN lang=en-US> : </SPAN><SPAN lang=ko>기본보험금</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보장</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>저축</SPAN><SPAN lang=en-US> : </SPAN><SPAN lang=ko>기</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>납입</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험료</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보장</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 2.663in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">GMDB</P></TD></TR></TBODY></TABLE></DIV> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US style="COLOR: red">5. </SPAN><SPAN lang=ko style="COLOR: red">변동보험금</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">계산법</SPAN><SPAN lang=en-US> </SPAN></P> <DIV style="DIRECTION: ltr"> <TABLE style="BORDER-RIGHT: #a3a3a3 1pt solid; BORDER-TOP: #a3a3a3 1pt solid; MARGIN-LEFT: 0.333in; BORDER-LEFT: #a3a3a3 1pt solid; DIRECTION: ltr; BORDER-BOTTOM: #a3a3a3 1pt solid; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 border=1 valign="top"> <TBODY> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.667in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">1.</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 2.261in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">가산지급방법</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.31in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US><- </SPAN><SPAN lang=ko>저축목적에서</SPAN></P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.667in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">2. </P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 2.261in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>일시납</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>추가가입</SPAN><SPAN lang=en-US>(</SPAN><SPAN lang=ko>증액</SPAN><SPAN lang=en-US>) </SPAN><SPAN lang=ko>방법</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.31in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US><-</SPAN><SPAN lang=ko>종신형에서</SPAN></P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.667in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">3.</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 2.261in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>책임준비금</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>비례</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>방법</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.31in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P></TD></TR></TBODY></TABLE></DIV> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in"><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">우리나라는</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> 1.2</SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">번이</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">사용되고</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">있다</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'">.</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US style="FONT-WEIGHT: bold; COLOR: red">1) </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold; COLOR: red">가산</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold; COLOR: red"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold; COLOR: red">지급</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold; COLOR: red"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold; COLOR: red">방법</SPAN><SPAN lang=en-US> : </SPAN><SPAN lang=ko>보장</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>부분과</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>적립부분을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>분리하여</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변동보험금을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>계산함</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-></SPAN><SPAN lang=en-US style="TEXT-DECORATION: underline"> </SPAN><SPAN lang=ko style="TEXT-DECORATION: underline">고객의</SPAN><SPAN lang=en-US style="TEXT-DECORATION: underline"> </SPAN><SPAN lang=ko style="TEXT-DECORATION: underline">상품</SPAN><SPAN lang=en-US style="TEXT-DECORATION: underline"> </SPAN><SPAN lang=ko style="TEXT-DECORATION: underline">이해가</SPAN><SPAN lang=en-US style="TEXT-DECORATION: underline"> </SPAN><SPAN lang=ko style="TEXT-DECORATION: underline">용이</SPAN><SPAN lang=en-US style="TEXT-DECORATION: underline">, </SPAN><SPAN lang=ko style="TEXT-DECORATION: underline">상대적으로</SPAN><SPAN lang=en-US style="TEXT-DECORATION: underline"> </SPAN><SPAN lang=ko style="TEXT-DECORATION: underline">수익률</SPAN><SPAN lang=en-US style="TEXT-DECORATION: underline"> </SPAN><SPAN lang=ko style="TEXT-DECORATION: underline">높음</SPAN><SPAN lang=en-US style="TEXT-DECORATION: underline">, </SPAN><SPAN lang=ko style="TEXT-DECORATION: underline">사망보험금</SPAN><SPAN lang=en-US style="TEXT-DECORATION: underline"> </SPAN><SPAN lang=ko style="TEXT-DECORATION: underline">증가속도가</SPAN><SPAN lang=en-US style="TEXT-DECORATION: underline"> </SPAN><SPAN lang=ko style="TEXT-DECORATION: underline">낮음</SPAN></P> <P style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; MARGIN: 0in; COLOR: red; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>2) </SPAN><SPAN lang=ko>일시납보험</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>추가가입</SPAN><SPAN lang=en-US>(</SPAN><SPAN lang=ko>증액</SPAN><SPAN lang=en-US>)</SPAN><SPAN lang=ko>방법</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>기본보험계약의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>예정책임</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>준비금을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>초과하는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>금액을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>일시납</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험료로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>하여</SPAN><SPAN lang=en-US> </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>잔여기간에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>해당하는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>추가가입</SPAN><SPAN lang=en-US>(</SPAN><SPAN lang=ko>증액</SPAN><SPAN lang=en-US>)</SPAN><SPAN lang=ko>하는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>방법</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>사망보험금은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변동보험금의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>계산주기에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>다라</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>월</SPAN><SPAN lang=en-US>1</SPAN><SPAN lang=ko>회</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>연</SPAN><SPAN lang=en-US>1</SPAN><SPAN lang=ko>회등으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변동하게</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>된다</SPAN><SPAN lang=en-US>.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>우리나라는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변액종신보험에서</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>사용함</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>계산방법</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>복잡</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>사망보험금의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>크기가</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>크게</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>증가</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>가산지급방법에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>비해</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>수익률이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>낮아질</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>수</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>있음</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>3) </SPAN><SPAN lang=ko>책임준비금</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>비례방법</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>1</SPAN><SPAN lang=ko>억원</SPAN><SPAN lang=en-US>(</SPAN><SPAN lang=ko>보험가입금액</SPAN><SPAN lang=en-US>) : 100</SPAN><SPAN lang=ko>만원</SPAN><SPAN lang=en-US>(</SPAN><SPAN lang=ko>에정책임준비금</SPAN><SPAN lang=en-US>) = X : 120</SPAN><SPAN lang=ko>만원</SPAN><SPAN lang=en-US>(</SPAN><SPAN lang=ko>실제</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>계약자</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>적립금</SPAN><SPAN lang=en-US>)</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>X= 1.2</SPAN><SPAN lang=ko>억원</SPAN><SPAN lang=en-US> (</SPAN><SPAN lang=ko>전체</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>사망보험금</SPAN><SPAN lang=en-US>)</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko style="FONT-WEIGHT: bold">최저보증옵션</SPAN><SPAN lang=en-US> : </SPAN><SPAN lang=ko>실적이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>나쁠</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>경우</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>보험의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>본질적인</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>기능을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>기대하기</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>어려우므로</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>투자되는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>펀드에서</SPAN><SPAN lang=en-US style="TEXT-DECORATION: underline"> </SPAN><SPAN lang=ko style="TEXT-DECORATION: underline">보증비용을</SPAN><SPAN lang=en-US style="TEXT-DECORATION: underline"> </SPAN><SPAN lang=ko style="TEXT-DECORATION: underline">차감하여</SPAN><SPAN lang=en-US style="TEXT-DECORATION: underline">, </SPAN><SPAN lang=ko style="TEXT-DECORATION: underline">보증비용</SPAN><SPAN lang=en-US style="TEXT-DECORATION: underline"> </SPAN><SPAN lang=ko style="TEXT-DECORATION: underline">풀을</SPAN><SPAN lang=en-US style="TEXT-DECORATION: underline"> </SPAN><SPAN lang=ko style="TEXT-DECORATION: underline">구성하고</SPAN><SPAN lang=en-US style="TEXT-DECORATION: underline"> </SPAN><SPAN lang=ko style="TEXT-DECORATION: underline">일정수준</SPAN><SPAN lang=en-US style="TEXT-DECORATION: underline"> </SPAN><SPAN lang=ko style="TEXT-DECORATION: underline">이상의</SPAN><SPAN lang=en-US style="TEXT-DECORATION: underline"> </SPAN><SPAN lang=ko style="TEXT-DECORATION: underline">사망보험금과</SPAN><SPAN lang=en-US style="TEXT-DECORATION: underline"> </SPAN><SPAN lang=ko style="TEXT-DECORATION: underline">연금재원을</SPAN><SPAN lang=en-US style="TEXT-DECORATION: underline"> </SPAN><SPAN lang=ko style="TEXT-DECORATION: underline">보증</SPAN><SPAN lang=ko>한다</SPAN><SPAN lang=en-US>.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US><- </SPAN><SPAN lang=ko>보험료가</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>인상되는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>요인이기도</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>하다</SPAN><SPAN lang=en-US>.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <DIV style="DIRECTION: ltr"> <TABLE style="BORDER-RIGHT: #a3a3a3 1pt solid; BORDER-TOP: #a3a3a3 1pt solid; BORDER-LEFT: #a3a3a3 1pt solid; DIRECTION: ltr; BORDER-BOTTOM: #a3a3a3 1pt solid; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 border=1 valign="top"> <TBODY> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.667in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">2001</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.542in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>1. </SPAN><SPAN lang=ko>변액종신보험</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>(</SPAN><SPAN lang=ko>변액유니버셜</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>(</SPAN><SPAN lang=ko>보장형</SPAN><SPAN lang=en-US>)</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 2.332in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>GMDB(</SPAN><SPAN lang=ko>최저</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>사망보험금</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보증</SPAN><SPAN lang=en-US>)</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>(</SPAN><SPAN lang=ko>매</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>월</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변동</SPAN><SPAN lang=en-US>)</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.896in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: red; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>기본</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험료</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보장</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.065in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-</SPAN><SPAN lang=ko>월납</SPAN><SPAN lang=en-US>/</SPAN><SPAN lang=ko>일시납</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-</SPAN><SPAN lang=ko>일시납</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험</SPAN><SPAN lang=en-US> </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">추가가입</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>(</SPAN><SPAN lang=ko>증액</SPAN><SPAN lang=en-US>)</SPAN><SPAN lang=ko>방법</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.707in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-</SPAN><SPAN lang=ko>최저</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보증금액</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>이상의</SPAN><SPAN lang=en-US> </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>사망보험금이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>지급됨</SPAN><SPAN lang=en-US>, </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-</SPAN><SPAN lang=ko>입출금이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>제한됨</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>- </SPAN><SPAN lang=ko>최저보증이율</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>없음</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-</SPAN><SPAN lang=ko>예금자보호법</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>제외</SPAN></P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.667in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">2002</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.542in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>2. </SPAN><SPAN lang=ko>변액연금</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 2.332in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>GMDB(</SPAN><SPAN lang=ko>최저</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>사망보험금</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보증</SPAN><SPAN lang=en-US>)</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>GMAB(</SPAN><SPAN lang=ko>최저</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>연금</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>적립금</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보증</SPAN><SPAN lang=en-US>)</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>GMWB(</SPAN><SPAN lang=ko>연금재원을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>특별계정에서</SPAN><SPAN lang=en-US> </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>운영할</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>경우</SPAN><SPAN lang=en-US>-></SPAN><SPAN lang=ko>연금보증</SPAN><SPAN lang=en-US>)</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>GMIB(</SPAN><SPAN lang=ko>일정수준의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>이율보증</SPAN><SPAN lang=en-US>)</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>GLWB(</SPAN><SPAN lang=ko>종신연금지급액을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보증</SPAN><SPAN lang=en-US>)</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>(</SPAN><SPAN lang=ko>사망</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보장금은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>매</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>일</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변동</SPAN><SPAN lang=en-US>)</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.896in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>펀드</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>수익률과</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>상관없이</SPAN><SPAN lang=en-US> </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>사망보험금으로</SPAN><SPAN lang=en-US> </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>최소한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko style="COLOR: red">기납입</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">보험료</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">수준</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보장해준다</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.065in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.707in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.667in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">2003</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.542in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>3. </SPAN><SPAN lang=ko>변액유니버설</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 2.332in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">GMDB</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.896in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>기</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>납입</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험료</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>주순으로</SPAN><SPAN lang=en-US> </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>사망보험금</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보장</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.065in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.707in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P></TD></TR></TBODY></TABLE></DIV> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>1) </SPAN><SPAN lang=ko>변액</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>종신</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험</SPAN></P> <DIV style="DIRECTION: ltr"> <TABLE style="BORDER-RIGHT: #a3a3a3 1pt solid; BORDER-TOP: #a3a3a3 1pt solid; MARGIN-LEFT: 0.333in; BORDER-LEFT: #a3a3a3 1pt solid; DIRECTION: ltr; BORDER-BOTTOM: #a3a3a3 1pt solid; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 border=1 valign="top"> <TBODY> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 2.177in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>변액종신</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>특징</SPAN><SPAN lang=en-US> </SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 4.33in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>- </SPAN><SPAN lang=ko>펀드운용</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>실적에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>따라</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>사망보험금</SPAN><SPAN lang=en-US>/</SPAN><SPAN lang=ko>해약환급금</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변동</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>- </SPAN><SPAN lang=ko>사망보험금을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>최저</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보증함</SPAN><SPAN lang=en-US> (</SPAN><SPAN lang=ko>해약환급금은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>최저</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보증이율이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>없음</SPAN><SPAN lang=en-US>)</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>- </SPAN><SPAN lang=ko>자산운용</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>형태를</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>직접</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>선택할</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>수</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>있음</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.707in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 2.177in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>변액종신과</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>일반</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>종신의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>공통점</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 4.33in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>- </SPAN><SPAN lang=ko>선택특약을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>자유조립할</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>수</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>있음</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>- </SPAN><SPAN lang=ko>일반</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험상품이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>가지는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>세제혜택을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>가지고</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>있음</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>- </SPAN><SPAN lang=ko>비흡연자</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>및</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>건강상태</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>양호</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>할</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>경우</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>할인</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>혜택</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.707in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P></TD></TR></TBODY></TABLE></DIV> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in"><SPAN lang=ko style="FONT-WEIGHT: bold; FONT-FAMILY: 'Malgun Gothic'">변동보험금은</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">매월</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">계약해당일</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">마다</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="COLOR: red; FONT-FAMILY: '맑은 고딕'">일시납보험</SPAN><SPAN lang=en-US style="COLOR: red; FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="COLOR: red; FONT-FAMILY: '맑은 고딕'">추가가입</SPAN><SPAN lang=en-US style="COLOR: red; FONT-FAMILY: '맑은 고딕'">(</SPAN><SPAN lang=ko style="COLOR: red; FONT-FAMILY: '맑은 고딕'">증액</SPAN><SPAN lang=en-US style="COLOR: red; FONT-FAMILY: '맑은 고딕'">)</SPAN><SPAN lang=ko style="COLOR: red; FONT-FAMILY: '맑은 고딕'">방법에</SPAN><SPAN lang=en-US style="COLOR: red; FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="COLOR: red; FONT-FAMILY: '맑은 고딕'">의해</SPAN><SPAN lang=en-US style="COLOR: red; FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="COLOR: red; FONT-FAMILY: '맑은 고딕'">재</SPAN><SPAN lang=en-US style="COLOR: red; FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="COLOR: red; FONT-FAMILY: '맑은 고딕'">계산</SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">되며</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'">, </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">다음달</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">계약해당일</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">까지</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> 1</SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">개월간</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">확정</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">적용된다</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>지난달에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>계산된</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변동보험금은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>한달이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>지나가면</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>소멸되고</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>새로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>계산된다</SPAN><SPAN lang=en-US>.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko style="FONT-WEIGHT: bold">해약환급금은</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko>투자수익률에</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko>따라</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>매일</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변동되며</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>최저보증이율이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>없고</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>원금손실도</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>발생할</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>수</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>있다</SPAN><SPAN lang=en-US>.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>(</SPAN><SPAN lang=ko>즉</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>자산운용</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>수익률이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>저조해</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>예정</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>적립금에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>미치지</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>못하게</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>되는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>경우에는</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">변동</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">보험금이</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">발생하지</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">않을</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">수</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">도</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">있다</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold">)</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN style="mso-spacerun: yes">&nbsp;</SPAN></P> <P style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>2) </SPAN><SPAN lang=ko>변액</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>연금</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US><SPAN style="mso-spacerun: yes">&nbsp;</SPAN>-> </SPAN><SPAN lang=ko>연금지급</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>개시</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>이후</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>종신연금을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>지급을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>지급하는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>형태</SPAN><SPAN lang=en-US> (</SPAN><SPAN lang=ko>실적</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>배당형이다</SPAN><SPAN lang=en-US>)</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>투자실적에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>따라</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변동되는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>사망보험금을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko style="COLOR: red">가산지급방법으로</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">계산</SPAN><SPAN lang=ko>함</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>연금</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>개시</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>이후</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>연급지급</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>방법</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>정액연금</SPAN><SPAN lang=en-US> - </SPAN><SPAN lang=ko>일반계정</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>운영</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>변액연금</SPAN><SPAN lang=en-US> - </SPAN><SPAN lang=ko>특별계정</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>운영</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>실적배당으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>운영함</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>최저</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보증</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>방법</SPAN><SPAN lang=en-US> : </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; COLOR: red; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>GMDB - </SPAN><SPAN lang=ko>최저</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>사망</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험금</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보증</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; COLOR: red; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>GMAB - </SPAN><SPAN lang=ko>최저</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>연금</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>적립금</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보증</SPAN></P> <P style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>계약자의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>원금손실의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>위험은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>중도에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>해약할</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>경우에만</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>발생한다고</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>할</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>수</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>있다</SPAN><SPAN lang=en-US>.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>2002</SPAN><SPAN lang=ko>년</SPAN><SPAN lang=en-US> 10</SPAN><SPAN lang=ko>월</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>판매</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>이후</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>지속적</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>성장</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>2003</SPAN><SPAN lang=ko>년</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>방카슈랑스</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>국내</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>도입</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>이후</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변액</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>연금은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>급성장</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <DIV style="DIRECTION: ltr"> <TABLE style="BORDER-RIGHT: #a3a3a3 1pt solid; BORDER-TOP: #a3a3a3 1pt solid; MARGIN-LEFT: 0.333in; BORDER-LEFT: #a3a3a3 1pt solid; DIRECTION: ltr; BORDER-BOTTOM: #a3a3a3 1pt solid; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 border=1 valign="top"> <TBODY> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.761in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>변액</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>연금</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>특징</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 6.289in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-</SPAN><SPAN lang=ko>변액종신</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>및</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변액</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>유니버셜</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험과</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>유사</SPAN></P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.761in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: red; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>변액</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>연금</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험만의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>특징</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 6.289in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>- </SPAN><SPAN lang=ko>연금개시</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>시점까지</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>유지</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>시</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>기납입보험료</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>등</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>일정수준의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>재원을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>최저연금</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>적립금으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보장해줌<BR></SPAN><SPAN lang=en-US>- </SPAN><SPAN lang=ko>연금개시</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>이후에는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>일반계정의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>공시이율을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>반영하여</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>계산한다</SPAN><SPAN lang=en-US>.</SPAN></P></TD></TR></TBODY></TABLE></DIV> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in"><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">보장구조</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> : </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>- </SPAN><SPAN lang=ko>확정된</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>사망보험금</SPAN><SPAN lang=en-US> + </SPAN><SPAN lang=ko>사망시점까지의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투자수익률로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>적립된</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>계약자</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>적립금을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>합해서</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>사망보험금으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>지급</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>- </SPAN><SPAN lang=ko>사망보험금은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>기</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>납입</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험료를</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>최저</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보증한다</SPAN><SPAN lang=en-US>.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>- </SPAN><SPAN lang=ko>사망보험금은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>상대적으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>적고</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>저축성</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>성격이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>강한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변액</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험이다</SPAN><SPAN lang=en-US>.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>- </SPAN><SPAN lang=ko>사망에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>준하는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>장애</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>발생시</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변액유니버셜은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>사망보험금</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>지급후</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>계약</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>소멸하지만</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko style="COLOR: red">변액연금은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>대부분</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>별도의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험금지급은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>없지만</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>계약이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>정상적으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>유지되</SPAN><SPAN lang=ko style="COLOR: red">어</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">연금개시시점까지</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">생존시</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">연금을</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">수령할</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">수</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">있다</SPAN><SPAN lang=en-US style="COLOR: red">.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in"><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">현재</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">투자수익률</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">예시는</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> 0% 4% 8% </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">를</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">보여줄</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">수</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">있다</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'">. (</SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">높은</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">투자수익률은</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> "</SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">표준이율의</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> 2</SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">배임</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'">)</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>2009.4.1 </SPAN><SPAN lang=ko>부터</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>공시규정</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>강화에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>의해</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>저축성</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변액보험의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>경우</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold; COLOR: red">순수익률</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold; COLOR: red">(</SPAN><SPAN lang=ko style="FONT-WEIGHT: bold; COLOR: red">사업비</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold; COLOR: red"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold; COLOR: red">등을</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold; COLOR: red"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold; COLOR: red">뺀</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold; COLOR: red"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold; COLOR: red">진짜</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold; COLOR: red"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold; COLOR: red">수익률</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold; COLOR: red">)</SPAN><SPAN lang=ko style="FONT-WEIGHT: bold; COLOR: red">을</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold; COLOR: red"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold; COLOR: red">예시</SPAN><SPAN lang=ko>하도록</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>함</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>3)</SPAN><SPAN lang=ko>변액</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>유니버설보험</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko style="FONT-WEIGHT: bold">변액</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">보험의</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">장점인</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">실적배당</SPAN><SPAN lang=ko>과</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">유니버설보험의</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">장점인</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">단순한</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">상품구조</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">및</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">자유입출금을</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">결합</SPAN><SPAN lang=ko>하여</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>만든</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>종합금융형</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>상품이다</SPAN><SPAN lang=en-US>.</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <DIV style="DIRECTION: ltr"> <TABLE style="BORDER-RIGHT: #a3a3a3 1pt solid; BORDER-TOP: #a3a3a3 1pt solid; MARGIN-LEFT: 0.333in; BORDER-LEFT: #a3a3a3 1pt solid; DIRECTION: ltr; BORDER-BOTTOM: #a3a3a3 1pt solid; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 border=1 valign="top"> <TBODY> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.861in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>보장형</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변액</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>유니버설보험</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 4.021in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>일시납</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>추가가입</SPAN><SPAN lang=en-US>(</SPAN><SPAN lang=ko>증액</SPAN><SPAN lang=en-US>) -></SPAN><SPAN lang=ko>변액</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>종신과</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>유사한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>형태</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.707in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.861in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 4.021in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>변동보험금이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>없는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>대신</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US><SPAN style="mso-spacerun: yes">&nbsp;</SPAN>"</SPAN><SPAN lang=ko>보험가입금액</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>계약자</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>적립금의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>일정비율</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>기납입</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험료</SPAN><SPAN lang=en-US>"</SPAN><SPAN lang=ko>중</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>가장</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>큰</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>금액을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>사망보험금으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>지급</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.707in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.861in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>적립형</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변액</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>유니버설보험</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 4.021in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>가산지급방법을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>사용</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.707in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P></TD></TR></TBODY></TABLE></DIV> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>2003</SPAN><SPAN lang=ko>년</SPAN><SPAN lang=en-US> 7</SPAN><SPAN lang=ko>월에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>국내에서</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>최초로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>판매되었다</SPAN><SPAN lang=en-US>.</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>변액유니버설</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>특징</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>1 - </SPAN><SPAN lang=ko>중도</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>인출이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>가능하다</SPAN><SPAN lang=en-US>.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>2- </SPAN><SPAN lang=ko>보험료</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>납입기간의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>자율성을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>가진다</SPAN><SPAN lang=en-US> (12</SPAN><SPAN lang=ko>년</SPAN><SPAN lang=en-US>)</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>변액유니버설</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보장구조</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>저축성</SPAN><SPAN lang=en-US> : </SPAN><SPAN lang=ko>사망보험금을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>기납입</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험료를</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>최저보증함</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>보장형</SPAN><SPAN lang=en-US> : </SPAN><SPAN lang=ko>기본보험금을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>최저</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보증</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>해약환급금은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투자수익률에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>따라</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>매일</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변동됨</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>최저보증이율이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>없음</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>순수익률</SPAN><SPAN lang=en-US> = </SPAN><SPAN lang=ko>투자수익률</SPAN><SPAN lang=en-US> - </SPAN><SPAN lang=ko>최저사망보증</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>비용</SPAN><SPAN lang=en-US> - </SPAN><SPAN lang=ko>펀드관련</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>비용</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>사망보험금</SPAN><SPAN lang=en-US> = </SPAN><SPAN lang=ko>기본보험금</SPAN><SPAN lang=en-US> + </SPAN><SPAN lang=ko>계약자</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>적립금</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P></UL> <P></P> 1. 변액보험의 역사 tag:blog.daum.net,2009:nightway78.17966922 knight 2009-11-17T19:33:15Z 2009-11-17T19:33:15Z <P> </P> <P style="FONT-SIZE: 10pt; MARGIN: 0in"><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">가</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'">. </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">개요</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in"><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">변액</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">보험</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">상업적</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">최초</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">판매한</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">국가</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> : </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold; FONT-FAMILY: '맑은 고딕'">네덜란드</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'">(</SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">프랙션</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">보험</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'">)</SPAN></P> <P style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>영국</SPAN><SPAN lang=en-US> - 1957</SPAN><SPAN lang=ko>년</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>캐나다</SPAN><SPAN lang=en-US> - 1967</SPAN><SPAN lang=ko>년</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>미국</SPAN><SPAN lang=en-US> - 1976</SPAN><SPAN lang=ko>년</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>일본</SPAN><SPAN lang=en-US> - 1986</SPAN><SPAN lang=ko>년</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>나</SPAN><SPAN lang=en-US>. </SPAN><SPAN lang=ko>미국의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변액</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>사례</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>연구</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>1970</SPAN><SPAN lang=ko>년</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변액</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험과</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>유니버셜</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>탄생</SPAN></P> <P style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>1985</SPAN><SPAN lang=ko>년</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변액</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>유니버셜이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>출시</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>1990</SPAN><SPAN lang=ko>년대</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>접어들면서</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변액연금의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>판매가</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>본격화</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>되었다</SPAN><SPAN lang=en-US>.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>현재는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>연금상품은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변액연금이</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>보장성보험은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>유니버설</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>각각</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>시장을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>주도하는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>양상을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보인다</SPAN><SPAN lang=en-US>.</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>1) </SPAN><SPAN lang=ko style="COLOR: red">미국의</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">변액보험</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">도입</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">배경</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>1) </SPAN><SPAN lang=ko>경제환경의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변화</SPAN><SPAN lang=en-US> : </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold; COLOR: red">고물가</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold; COLOR: red">, </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold; COLOR: red">고금리시대의</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold; COLOR: red"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold; COLOR: red">돌입</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>1970</SPAN><SPAN lang=ko>년</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>유가파동으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>인한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko style="TEXT-DECORATION: underline">물가상승과</SPAN><SPAN lang=en-US style="TEXT-DECORATION: underline"> </SPAN><SPAN lang=ko style="TEXT-DECORATION: underline">고금리</SPAN><SPAN lang=en-US style="TEXT-DECORATION: underline"> </SPAN><SPAN lang=ko style="TEXT-DECORATION: underline">시대</SPAN><SPAN lang=ko>를</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>계기</SPAN><SPAN lang=en-US> -> </SPAN><SPAN lang=ko>금융업계의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>무한경쟁</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>시대</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>돌입</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>2) </SPAN><SPAN lang=ko>금융소비자의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변화</SPAN><SPAN lang=en-US> : </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">금리선호의식의</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">증대</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>가계소득이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>증가하여</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>금리에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>대한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>선호도가</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>높아지고</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>금융상품과</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>정보에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>대한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>지식이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>확대되었다</SPAN><SPAN lang=en-US>.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>이러한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>소비자</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>성향에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>맞는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험상품</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>개발이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>필요</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>3) </SPAN><SPAN lang=ko>경쟁</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>금융상품의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변화</SPAN><SPAN lang=en-US> : </SPAN><SPAN lang=ko style="COLOR: red">고수익</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">투자형</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">상품의</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">등장</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>증권사</SPAN><SPAN lang=en-US> - </SPAN><SPAN lang=ko>금리규제를</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>받지</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>않고</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>고수익을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>실현하는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투자형</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>상품</SPAN><SPAN lang=en-US>(</SPAN><SPAN lang=ko>펀드</SPAN><SPAN lang=en-US>)</SPAN><SPAN lang=ko>이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>등장</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>은행</SPAN><SPAN lang=en-US> - </SPAN><SPAN lang=ko>시장금리연동형</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>예금을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>도입</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>보험사</SPAN><SPAN lang=en-US> - </SPAN><SPAN lang=ko>준비해야하게</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>됨</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>4) </SPAN><SPAN lang=ko>생명보험회사의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>경영상</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>필요성</SPAN><SPAN lang=en-US> : </SPAN><SPAN lang=ko>투자위험</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>회피</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>기존</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험상품은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>예정이율을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>이용하여</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험회사가</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투자상의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>모든</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>위험을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>책임졌음</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>그래서</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투자상의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>성과와</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>위험을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>회사에서</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>부담안하고</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>경영상의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>안전을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>도모하는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>상품요구</SPAN><SPAN lang=en-US> -> </SPAN><SPAN lang=ko>변액도입</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>2) </SPAN><SPAN lang=ko>미국의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변액보험상품</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>판매</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>성공</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>사유</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>가</SPAN><SPAN lang=en-US>) </SPAN><SPAN lang=ko style="COLOR: red">시중금리의</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">하락</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">및</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">주식시장의</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">지속적</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">활황</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>나</SPAN><SPAN lang=en-US>) </SPAN><SPAN lang=ko style="COLOR: red">뮤추얼펀드의</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">대중화</SPAN><SPAN lang=ko>와</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>더불어</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko style="COLOR: red">실적배당형</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">보험에</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">대한</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">인지도</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">개선</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>주식형</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투자상품에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>대한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>국민인지도가</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>높아짐</SPAN><SPAN lang=en-US> -> </SPAN><SPAN lang=ko>이와</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>유사한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변액보험상품</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>판매가</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>증가</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>가능</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>다</SPAN><SPAN lang=en-US>) </SPAN><SPAN lang=ko>변액보험상품의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>뛰어난</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>유연성</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>및</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>다양한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투자옵션</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>1) </SPAN><SPAN lang=ko>보험료의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>자유납입</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>2) </SPAN><SPAN lang=ko>중도인출</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>가능</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>3) </SPAN><SPAN lang=ko>상품구조</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>단순</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>4) </SPAN><SPAN lang=ko>고객니즈를</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>잘</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>반영</SPAN><SPAN lang=en-US> -> </SPAN><SPAN lang=ko>고객에게</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>쉽게</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>접근</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>가능</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>5) </SPAN><SPAN lang=ko>간접</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>선택권을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>많이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>제공</SPAN><SPAN lang=en-US> : </SPAN><SPAN lang=ko>회사별로</SPAN><SPAN lang=en-US> 30</SPAN><SPAN lang=ko>개정도의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>펀드</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>운용하여</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>펀드변경등</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>다양한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>자산운용</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>옵션</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>선택가능</SPAN><SPAN lang=en-US>(</SPAN><SPAN lang=ko>투자리스크</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>경감</SPAN><SPAN lang=en-US>)</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>라</SPAN><SPAN lang=en-US>) </SPAN><SPAN lang=ko>보험상품에만</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>부여하는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>세제혜택</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>미국의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험상품은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">유지기간동안</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> -> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">발생이자에</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">대해</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">비과세</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>해약</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>또는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>만기시등</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">자금</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">인출시점에서</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">이자소득세를</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">부과</SPAN><SPAN lang=ko>한다</SPAN><SPAN lang=en-US>.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>이러한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>시스템은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>소득수준이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>낮은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>노년기에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>해약등으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>자금인출하면</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>저율과세를</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>적용받게</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>되므로</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko style="COLOR: red">세금이연을</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">활용할</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">경우</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">절세효과</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">가능</SPAN><SPAN lang=ko>하게된다</SPAN><SPAN lang=en-US>.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>(</SPAN><SPAN lang=ko>미국은</SPAN><SPAN lang=en-US> 30~40</SPAN><SPAN lang=ko>대에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>소득수준</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>높아</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>고율과세</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>노년기일수록</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>소득줄어</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>낮은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>세율</SPAN><SPAN lang=en-US>)</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>또한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험기간중</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>필요자금은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>중도인출하는데</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>이는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>비과세이다</SPAN><SPAN lang=en-US>. -> </SPAN><SPAN lang=ko>즉</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>이것이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>노후대책을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>위한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>최적의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>재테크</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>수단이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>되었던</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>것이다</SPAN><SPAN lang=en-US>.</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>3) </SPAN><SPAN lang=ko>미국의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변액보험</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>판매자격제도</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>및</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>법적</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>규제</SPAN><SPAN lang=en-US> (</SPAN><SPAN lang=ko>매우</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>강함</SPAN><SPAN lang=en-US>)</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>NASD (</SPAN><SPAN lang=ko>전미증권업협회</SPAN><SPAN lang=en-US>)</SPAN><SPAN lang=ko>의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>판매자격시험</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>통과</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>보험설계사</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>자격시험</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>통과</SPAN><SPAN lang=en-US> </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>두가지</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>통과</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>후</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>판매</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>가능</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>변액</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>생명보험회사에서</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>판매하므로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>기본적으로</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">보험업</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">규제에</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">따르지만</SPAN><SPAN lang=en-US style="COLOR: red">,</SPAN><SPAN lang=en-US> </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>동시에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko style="COLOR: red">증권법과</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">투자회사법의</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">엄격한</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">규제도</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">적용</SPAN><SPAN lang=ko>된다</SPAN><SPAN lang=en-US>. </SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>다</SPAN><SPAN lang=en-US>. </SPAN><SPAN lang=ko>일본의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변액보험</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>사례</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>연구</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>1) </SPAN><SPAN lang=ko>일본의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변액보험</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>도입배경</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>1980</SPAN><SPAN lang=ko>년</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>중반</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>일본은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>금리자유화의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>진전</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>경상수지의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>지속적인</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>흑자</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>및</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>소비자의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>금리선호의식이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>고조되어</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>소비자들의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>고금리에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>따른</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>재테크</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>붐이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>전개되었다</SPAN><SPAN lang=en-US>.</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>이에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>일본의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>생보사들은</SPAN><SPAN lang=en-US> : </SPAN><SPAN lang=ko>시중금리보다</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko style="COLOR: red">높은</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">예정이율을</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">사용한</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">일시납</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">양로보험의</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">판매</SPAN><SPAN lang=ko>를</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>통하여</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>대규모의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>계약을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>유치하였다</SPAN><SPAN lang=en-US>.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>그런데</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>이것이</SPAN><SPAN lang=en-US> 1990</SPAN><SPAN lang=ko>년</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>버블경제</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>붕괴되면서</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>모든</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>생보사의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>금리부담으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>작용하게</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>되었다</SPAN><SPAN lang=en-US>.</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>일본은</SPAN><SPAN lang=en-US> 1986</SPAN><SPAN lang=ko>년</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변액보험을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>도입</SPAN><SPAN lang=en-US> -> </SPAN><SPAN lang=ko>위의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>정액형</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>판매활성화로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>큰</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>매력은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>없었다</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>2)</SPAN><SPAN lang=ko>일본의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변액보험</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>도입</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>초기</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>판매</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>실패</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>사유</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>가</SPAN><SPAN lang=en-US>) </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">주식시장의</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">침체로</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">인한</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">수익률의</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">저하</SPAN><SPAN lang=en-US> - </SPAN><SPAN lang=ko>오히려</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>정액보험의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>배당이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>더</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>높은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>수익률을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>달성함</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>나</SPAN><SPAN lang=en-US>) </SPAN><SPAN lang=ko>특별계정의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>펀드</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>운용</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>미숙</SPAN><SPAN lang=en-US> - </SPAN><SPAN lang=ko>내국사의</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">통합형</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">펀드</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> 1</SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">개만</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">운용</SPAN><SPAN lang=en-US> <-</SPAN><SPAN lang=ko>미친거죠</SPAN><SPAN lang=en-US>..</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>이에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>대비</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>외국계</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>생보사는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>채권형</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>주식형</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>통합형의</SPAN><SPAN lang=en-US> 3</SPAN><SPAN lang=ko>개의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>펀드를</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>운용하여</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>훨씬</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>유리</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>다</SPAN><SPAN lang=en-US>) </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">주택담보</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">은행대출을</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">통한</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">부실판매</SPAN><SPAN lang=ko>로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>소송빈발</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>및</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>상품이미지</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>악화</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>주택을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>잃게</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>된</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>계약자들의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>소송이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>빈발해짐</SPAN><SPAN lang=en-US> -> </SPAN><SPAN lang=ko>전</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>국민적으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>상품이미지</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>악화됨</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>라</SPAN><SPAN lang=en-US>)</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">상품구조의</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">복잡</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">및</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">상품의</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">유연성</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">부재</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>초기의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>미국의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변액보험을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>그대로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>도입</SPAN><SPAN lang=en-US> -> </SPAN><SPAN lang=ko>상품내용이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>난해했다</SPAN><SPAN lang=en-US>. -> </SPAN><SPAN lang=ko>상품</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>이해</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>부족</SPAN><SPAN lang=en-US> -> </SPAN><SPAN lang=ko>완전판매</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>못함</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>보험료</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>납입의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>경직성</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>중도인출</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>펀드변경등의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>부가</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>금융서비스가</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>없음</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>3) </SPAN><SPAN lang=ko>일본의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변액보험</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>판매자격제도</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>및</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>법적</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>규제</SPAN><SPAN lang=en-US> (</SPAN><SPAN lang=ko>약함</SPAN><SPAN lang=en-US>)</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>생명보험업계의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>자율운용제도로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변액보험</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>판매자격</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>제도를</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>도입하여</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>실시</SPAN><SPAN lang=en-US>.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko style="FONT-WEIGHT: bold">보험업법의</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">규제는</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">받으나</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold">, </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">증권거래법</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold">, </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">투자신탁업법</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">등의</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">적용을</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">받지는</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">아니</SPAN><SPAN lang=ko>한다</SPAN><SPAN lang=en-US>.</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>라</SPAN><SPAN lang=en-US>. </SPAN><SPAN lang=ko>미국</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>일본</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>밴액보험</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>사례가</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>주는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>시사점</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>1) </SPAN><SPAN lang=ko>판매가</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>성공하기</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>위해서는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko style="COLOR: red">저금리</SPAN><SPAN lang=en-US style="COLOR: red">, </SPAN><SPAN lang=ko style="COLOR: red">고주가라는</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">금융시장</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">여건이</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">조성</SPAN><SPAN lang=ko>되어야</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>한다</SPAN><SPAN lang=en-US>.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>2) </SPAN><SPAN lang=ko>고객의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>니즈를</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>충족시키고</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>금융환경</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변화에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>대응할</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>수</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>있도록</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>3) </SPAN><SPAN lang=ko style="COLOR: red">다양한</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">옵션을</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">가진</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">상품이</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">개발</SPAN><SPAN lang=ko>되어야</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>하며</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>4) </SPAN><SPAN lang=ko style="COLOR: red">불완전</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">판매를</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">철저하게</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">배제</SPAN><SPAN lang=ko>해야</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>함</SPAN><SPAN lang=en-US> -> </SPAN><SPAN lang=ko>고객에게</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변액</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>상품에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>대한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>이미지를</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>잘</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>정립해야</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>함</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>마</SPAN><SPAN lang=en-US>. </SPAN><SPAN lang=ko>우리나라의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변액보험</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>도입</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>배경</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>및</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>법적</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>규제</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>1) </SPAN><SPAN lang=ko>도입배경</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>및</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>경과</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>2000</SPAN><SPAN lang=ko>년</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>이후</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>보험가격의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>자유화</SPAN><SPAN lang=en-US>, IMF</SPAN><SPAN lang=ko>이후</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>금융시장</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>재편등</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>급격한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>금리변동</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>인플레이션</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>헷지하여</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험금의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>실질가치를</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보장할</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>수</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>있는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변액보험</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>상품의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>도입을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>본격적으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>추진</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; COLOR: red; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>2001</SPAN><SPAN lang=ko>년</SPAN><SPAN lang=en-US> 7</SPAN><SPAN lang=ko>월부터</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>판매가</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>시작되었다</SPAN><SPAN lang=en-US>.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>2009</SPAN><SPAN lang=ko>년</SPAN><SPAN lang=en-US> 2</SPAN><SPAN lang=ko>월부터</SPAN><SPAN lang=en-US> "</SPAN><SPAN lang=ko>자본시장과</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>금융투자업에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>관한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>법률</SPAN><SPAN lang=en-US>" </SPAN><SPAN lang=ko>일명</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>자통법이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>시행됨에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>따라</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변액보험의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>펀드는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>법규의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>규제를</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>받게</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>되어</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>집합투자기구의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>요건을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>준수해야</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>한다</SPAN><SPAN lang=en-US>.</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <DIV style="DIRECTION: ltr"> <TABLE style="BORDER-RIGHT: #a3a3a3 1pt solid; BORDER-TOP: #a3a3a3 1pt solid; MARGIN-LEFT: 0.707in; BORDER-LEFT: #a3a3a3 1pt solid; DIRECTION: ltr; BORDER-BOTTOM: #a3a3a3 1pt solid; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 border=1 valign="top"> <TBODY> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.68in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>2001</SPAN><SPAN lang=ko>년</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.847in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US><SPAN style="mso-spacerun: yes">&nbsp;</SPAN></SPAN><SPAN lang=ko>변액보험</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>최초도입</SPAN></P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.68in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>2002</SPAN><SPAN lang=ko>년</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.847in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US><SPAN style="mso-spacerun: yes">&nbsp;</SPAN></SPAN><SPAN lang=ko>변액</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>연금</SPAN></P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.68in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>2003</SPAN><SPAN lang=ko>년</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.847in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US><SPAN style="mso-spacerun: yes">&nbsp;</SPAN></SPAN><SPAN lang=ko>변액</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>유니버셜</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>도입</SPAN></P></TD></TR></TBODY></TABLE></DIV> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> 2009</SPAN><SPAN lang=ko>년</SPAN><SPAN lang=en-US> 1</SPAN><SPAN lang=ko>월</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>현재</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변액보험</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>자산은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>약</SPAN><SPAN lang=en-US> 37</SPAN><SPAN lang=ko>조원에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>달함</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>2) </SPAN><SPAN lang=ko>변액보험에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>대한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>법적</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>규제</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>변액보험의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>법률상</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>정의</SPAN><SPAN lang=en-US> : </SPAN><SPAN lang=ko>보험금이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>자산운용성과에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>따라</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변동하는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험계약</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">생명보험과</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">집합투자</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold">(</SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">펀드운용에</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">의한</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">실적배당</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold">)</SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">의</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">성격을</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">동시에</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">가짐</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>고로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>법적규제에서도</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>자본시장과</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>금융투자업에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>관한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>법률</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>일부규정이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>동시에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>적용된다</SPAN><SPAN lang=en-US>.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; COLOR: red; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>손해보험회사에서는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>취급할</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>수</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>없다</SPAN><SPAN lang=en-US>.</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN style="mso-spacerun: yes">&nbsp;</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>보헙업법에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>따르면</SPAN><SPAN lang=en-US> </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>변액보험은</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">특별계정을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>설정하여</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>운용하여야</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>한다</SPAN><SPAN lang=en-US>.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>자산운용성과에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>따라</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험금액이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>차이가</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>발생함에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>따라</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>다른</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험계약과</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>분리된</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>별도의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>계정을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>설정하여</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>관리함</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>그래서</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>특별계정에는</SPAN><SPAN lang=en-US> : </SPAN><SPAN lang=ko>일반계정과</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>달리</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>별도의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>규제와</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>제한이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>적용된다</SPAN><SPAN lang=en-US>.</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>특별계정은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>원래</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투자위험의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>부담을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>명확히</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>하기위해</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>설정되어</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>시작했으나</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; FONT-FAMILY: '맑은 고딕'">최근엔</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.125in; COLOR: red; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>정책적인</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>목적</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>때문에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>특별계정이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>설정</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>되기도</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>한다</SPAN><SPAN lang=en-US>.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.5in; COLOR: red; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>퇴직보험</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>특별계정</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 1.5in; COLOR: red; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>연금저축</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>특별계정</SPAN><SPAN lang=en-US> (</SPAN><SPAN lang=ko>세제적격</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>개인연금을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>구분</SPAN><SPAN lang=en-US>)</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>3) </SPAN><SPAN lang=ko>변액보험</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>판매</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>자격</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>제도</SPAN></P> <DIV style="DIRECTION: ltr"> <TABLE style="BORDER-RIGHT: #a3a3a3 1pt solid; BORDER-TOP: #a3a3a3 1pt solid; MARGIN-LEFT: 0.707in; BORDER-LEFT: #a3a3a3 1pt solid; DIRECTION: ltr; BORDER-BOTTOM: #a3a3a3 1pt solid; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 border=1 valign="top"> <TBODY> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.323in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US style="FONT-WEIGHT: bold">2001</SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">년</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> 5</SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">월에</SPAN><SPAN lang=en-US> </SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 4.506in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko style="COLOR: red">변액보험</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">판매자격시험</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">및</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">자격관리에</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">관한</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">규정을</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">자율적으</SPAN><SPAN lang=ko>로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>제정</SPAN></P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.323in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>2003</SPAN><SPAN lang=ko>년</SPAN><SPAN lang=en-US> 8</SPAN><SPAN lang=ko>월</SPAN><SPAN lang=en-US> 27</SPAN><SPAN lang=ko>일</SPAN><SPAN lang=en-US> </SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 4.506in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: red; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>보험업법</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>시행령</SPAN><SPAN lang=en-US>,</SPAN></P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.323in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>2003</SPAN><SPAN lang=ko>년</SPAN><SPAN lang=en-US> 9</SPAN><SPAN lang=ko>월</SPAN><SPAN lang=en-US> 26</SPAN><SPAN lang=ko>일</SPAN><SPAN lang=en-US> </SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 4.506in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko style="COLOR: red">보험업</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">감독</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">규정에</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">그</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">법적</SPAN><SPAN lang=en-US style="COLOR: red"> </SPAN><SPAN lang=ko style="COLOR: red">근거</SPAN><SPAN lang=ko>가</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>마련</SPAN></P></TD></TR></TBODY></TABLE></DIV> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>변액보험</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>판매자격</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>시험제도의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>법정</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>자격시험의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>성격을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>가짐</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>따라서</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>모집종사자가</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>모집</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>자격없이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변액</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>모집하는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>경우</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>: </SPAN><SPAN lang=ko>자격</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>박탈</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>영업정지</SPAN><SPAN lang=en-US>,</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>관리책임이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>있는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보험회사</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>및</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>직원도</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>금융감독</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>당국의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>행정적</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>처벌을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>받을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>수</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>있다</SPAN><SPAN lang=en-US>.</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.75in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> 간단한 경제 용어 정리 tag:blog.daum.net,2009:nightway78.17966921 knight 2009-11-17T19:29:39Z 2009-11-17T19:29:39Z <P> </P> <DIV style="DIRECTION: ltr"> <TABLE style="BORDER-RIGHT: #a3a3a3 1pt solid; BORDER-TOP: #a3a3a3 1pt solid; BORDER-LEFT: #a3a3a3 1pt solid; DIRECTION: ltr; BORDER-BOTTOM: #a3a3a3 1pt solid; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 border=1 valign="top"> <TBODY> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.667in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">1.</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.122in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in"><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">출구</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">전략</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 9.157in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>경제상황에서의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>출구전략은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>경기</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>부양을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>위해</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>쏟아</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>부은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>어마어마한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>재정지출과</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>통화공급을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>경기가</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>어느</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>정도</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>회복된</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>시점에서</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>지혜롭게</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>거두는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>정책을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>준비하는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>과정</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'; TEXT-DECORATION: underline"><SPAN lang=en-US>Tip : </SPAN><SPAN lang=ko>출구전략의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>딜레마</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>1) </SPAN><SPAN lang=ko>출구전략</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>하지</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>맙시다</SPAN><SPAN lang=en-US> - </SPAN><SPAN lang=ko>경기부양을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>위해</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>실시했던</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>천문학적인</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>재정</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>정책과</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>통화공급으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>인해</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>인플레이션이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>초래될</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>위험이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>있다는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>것</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>2) </SPAN><SPAN lang=ko>출구전략</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>당장</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>합시다</SPAN><SPAN lang=en-US> -<SPAN style="mso-spacerun: yes">&nbsp; </SPAN></SPAN><SPAN lang=ko>경기회복을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>위해</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>실시하는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>재정적</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>팽창정책이나</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>통화공급과는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>달리</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>출구전략은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>바로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>효과가</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>발생하는데</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>출구전략을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>당장</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>실행하여</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>세금을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>많이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>거두어</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>들이고</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>지출을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>대량으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>줄인다면</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>시장에는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>순식간에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>찬바람이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>몰아치고</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>경기회복</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>기대도</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>한층</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>꺾여</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>다시</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>경기침체로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>돌아서게</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>된다</SPAN><SPAN lang=en-US>.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>즉</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>출구전략을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>하던</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>하지</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>않던</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>두</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>경우</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>모두</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>다시</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>경기침체로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>빠져드는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>더블딥이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>발생하는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>상황이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>되게</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>되는데</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>이를</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>가리켜</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>출구전략의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>딜레마라고</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>한다</SPAN><SPAN lang=en-US>.</SPAN></P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.667in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">2.</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.122in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">Double Dip</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 9.157in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>경기</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>이중하강</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: #444444; FONT-FAMILY: '맑은 고딕'">경기침체가 계속되다 일시적으로 회복된 후 다시 침체에 빠지는 상황을 의미</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>경기침체의 골을 두 번 지나야 비로소 완연한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>회복을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보이는</SPAN><SPAN lang=en-US> W</SPAN><SPAN lang=ko>자</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>형태의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>경기</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>곡선을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>말함</SPAN></P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.667in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">3. </P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.122in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>CD</SPAN><SPAN lang=ko>금리</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 9.157in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>보통 은행에서 거액의 단기자금을 마련하기 위해 발행하는 것으로 정기예금과 비슷하게 예금주가 일정액을 입금한 후 예금증서의 형태로 교부 받는다 그</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>후 예금주는 필요할 경우 배서 양도형식으로 시장에 유통시켜서 이에 대한 권리를 이전하면 최종적으로 만기일에 최종소지자가 증서를 들고 은행에 찾아서 입금한 원금과 이자를 받는다.</SPAN></P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.667in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">4. </P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.122in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">콜금리</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 9.157in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>시중금리가운데 한가지이고&nbsp;금융기관들이 서로에게 돈을 빌릴</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>때 지급하는 이자율(보통 한국은행이 정책금리를 발표하는데 시중실세 콜금리는 정책금리와 약간 다르게 변동될 수 있다.)</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: teal; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>Tip) </SPAN><SPAN lang=ko>주택담보대출발</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">주택담보대출발 가계부실경고, 단기외화차입에 본격 대응, 단기시중금리 연일상승압박,주택신용보증기금출연요율인상,최근 급등한 CD금리,주책대출이자상환에 한계가 옴,시중유동성풍부,금리상승기대감, 채권매수세둔화조짐,외국계은행국내지점의 단기외화차입및재정거래..)</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">여기서 순차적으로 사건순서를 보자면</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">외국계은행 국내지점의 단기외화 차입 및 재정거래<SPAN style="mso-spacerun: yes">&nbsp; </SPAN>---> 이에 대응한 금융당국에 단기외화차입에 대한 본격대응 --> 은행들의 CD금리 상승 등 단기시중금리 연일상승 압박 --> CD금리와 연동된 주택담보대출금리의 automatic상승 --> 가계부담(뉴스에서 봤는데 3억 대출받은 사람은 이자가 한달에 30만원이나 늘었다는 군요..월급쟁이들은 더 압박이 심해졌어요-.-;;)</P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.667in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">5.</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.122in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>Bp</SPAN><SPAN lang=ko>와</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>금리의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>관계</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 9.157in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>Ex) 250bp </SPAN><SPAN lang=ko>일</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>경우</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>금리는</SPAN><SPAN lang=en-US> 2.5%</SPAN><SPAN lang=ko>이다</SPAN></P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.667in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">6.</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.122in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">모기지론 </P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">[mortgage loan] </P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 9.157in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'; TEXT-DECORATION: underline">부동산을 담보로 주택저당증권(MBS:Mortgage Backed Securities)을 발행하여 장기주택자금을 대출해 주는 제도.</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">주택자금 수요자가 은행을 비롯한 금융기관에서 <SPAN style="COLOR: blue">장기저리자금을 빌리면 은행은 주택을 담보로 주택저당증권을 발행</SPAN>하여 이를 중개기관에 팔아 대출자금을 회수하는 제도이다. 중개기관은 주택저당증권을 다시 투자자에게 판매하고 그 대금을 금융기관에 지급하게 된다.</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'"><SPAN lang=ko>일반 대출이 만기가 될 때까지 자금이 묶이는 것과는 달리 은행은 대출할 때 취득한 저당권을 담보로 하는 증권을 발행</SPAN><SPAN lang=en-US>·유통시켜 또 다른 대출자금을 마련할 수 있는 특징이 있다. 보통 주택구입자금대출과 주택담보대출 두 종류가 있는데, 대출한도에 제한이 없으며, 대출 기간은 최장 30년이다.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in"><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'">1. </SPAN><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">모기지론은</SPAN><SPAN lang=ko style="COLOR: blue; FONT-FAMILY: 'Malgun Gothic'"> 등기가 성립된 이후 주택을 담보로 대출</SPAN><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">을 해주는 것입니다</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in"><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">예를 들어 분양에 당첨된 아파트가 있으면 그 아파트의 분양권을 담보로 주택</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">담보</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">대출을 먼저 받는 것입니다. 물론 이것은 주택이 아닌 분양권을 담보로 하는 것입니다. </SPAN><SPAN lang=ko style="COLOR: blue; FONT-FAMILY: 'Malgun Gothic'">이 시기에는 금융공사의 모기지론을 이용하실 수 없습니다.</SPAN><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'"> 이때에는 건설사의 보증을 통해 은행권에서 돈을 빌려주어 소위 요즘 말하는 중도금 무이자나 후불제 같은 형식의 대출이 이루어지는 것입니다. 잔금을 치르고 새</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">아파트가 등기가 될때까지 6개월에서 2년정도 걸리는데 이후 등기가 성립되면 대출을 해준 은행은 대출금액에 대한 담보권을 제 1순위로 설정을 하는 것입니다. 추후 모기지론으로 전향을 하던가 아니면 주택담보대출을 그냥 유지하던</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">가는 모두 등기가 성립된 이후입니다.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.667in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">7.</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.122in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>DTI(</SPAN><SPAN lang=ko>총</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>부채</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>상환</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>비율</SPAN><SPAN lang=en-US>)</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 9.157in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>총</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>소득에서</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>연간</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>부채</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>상환액이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>차지하는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>비율</SPAN><SPAN lang=en-US>.<BR></SPAN><SPAN lang=ko>연간</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>소득</SPAN><SPAN lang=en-US> 5000</SPAN><SPAN lang=ko>만원인</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>대출자에게</SPAN><SPAN lang=en-US> DTI 40%</SPAN><SPAN lang=ko>를</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>적용하면</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>주택담보대출</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>원리금</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>상환액이</SPAN><SPAN lang=en-US> 2000</SPAN><SPAN lang=ko>만원을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>초과할</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>수</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>없다</SPAN><SPAN lang=en-US>.</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in"><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">부채 상환능력을 소득으로 따져 대출한도를 정하는것, 즉 대출한도를</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">소득의 일정비율을 넘지 못하도록 제한 한</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">것입니다.</SPAN></P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.667in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">8.</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 1.122in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">LTV= 'Loan To Value ratio' </P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 9.157in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">대출 가능한 한도를 뜻합니다.</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">물론, 담보물건지에따라 (APT or 빌라등), 투기지역유무에 따라 LTV는 틀려지며,</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">1금융권 LTV는 비투기지역 60%, 투기지역 40% 정도라 보시면 되겠습니다</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in"><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">담보 가치 대비 대출 가능한 한도 흔히,말해 KB 거래가의 60%, 70%등을</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">말하는 비율입니다..</SPAN></P></TD></TR></TBODY></TABLE></DIV> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> 공매도 tag:blog.daum.net,2009:nightway78.17966920 knight 2009-11-17T19:28:04Z 2009-11-17T19:28:04Z &nbsp; <P style="FONT-SIZE: 9.75pt; MARGIN: 0in; COLOR: #3d3d3d; FONT-FAMILY: 'Malgun Gothic'"><SPAN style="FONT-WEIGHT: bold">말 그대로 ‘없는 걸 판다’란 뜻</SPAN>으로 </P> <P style="FONT-SIZE: 9.75pt; MARGIN: 0in; COLOR: #3d3d3d; FONT-FAMILY: 'Malgun Gothic'">주식이나 채권을 가지고 있지 않은 상태에서 매도주문을 내는 것을 말한다. </P> <P style="FONT-SIZE: 9.75pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'"><SPAN style="COLOR: #3d3d3d">이렇게 없는 주식이나 채권을 판 후 </SPAN><A href="http://terms.naver.com/item.nhn?dirId=1&docId=1736"><U><FONT color=#0000ff>결제일</FONT></U></A><SPAN style="COLOR: #3d3d3d">이 돌아오는 </SPAN><SPAN style="FONT-WEIGHT: bold; COLOR: #3d3d3d">3일 안에 주식이나 채권을 구해 매입자에게 돌려주면 된다.</SPAN><SPAN style="COLOR: #3d3d3d"> </SPAN></P> <P style="FONT-SIZE: 9.75pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'"><SPAN style="FONT-WEIGHT: bold; COLOR: #3d3d3d">약세장이 예상되는 경우</SPAN><SPAN style="COLOR: #3d3d3d"> 시세차익을 노리는 </SPAN><A href="http://terms.naver.com/item.nhn?dirId=1&docId=11922"><U><FONT color=#0000ff>투자자</FONT></U></A><SPAN style="COLOR: #3d3d3d">가 활용하는 방식이다.</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>2009</SPAN><SPAN lang=ko>년</SPAN><SPAN lang=en-US> 10</SPAN><SPAN lang=ko>월</SPAN><SPAN lang=en-US> 21</SPAN><SPAN lang=ko>일</SPAN><SPAN lang=en-US>---------------------------------------------------------------------------------------------------------------------------------</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>1. [</SPAN><SPAN lang=ko>현대</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>자동차</SPAN><SPAN lang=en-US>] </SPAN><SPAN lang=ko>종목이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>없는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>김숙현이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보니깐</SPAN><SPAN lang=en-US> [</SPAN><SPAN lang=ko>현대</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>자동차</SPAN><SPAN lang=en-US>]</SPAN><SPAN lang=ko>종목이</SPAN><SPAN lang=en-US><SPAN style="mso-spacerun: yes">&nbsp; </SPAN></SPAN><SPAN lang=ko>이후</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>떨어질</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>것</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>같은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>예상이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>되었다</SPAN><SPAN lang=en-US>.</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>2. </SPAN><SPAN lang=ko>그래서</SPAN><SPAN lang=en-US> 갑</SPAN><SPAN lang=ko>은</SPAN><SPAN lang=en-US> [</SPAN><SPAN lang=ko>현대</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>자동차</SPAN><SPAN lang=en-US>] [20,000]</SPAN><SPAN lang=ko>원에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>매도를</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>한다</SPAN><SPAN lang=en-US>.</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>3. </SPAN><SPAN lang=ko>이것을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>본</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투자자</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>들이</SPAN><SPAN lang=en-US> 20,000</SPAN><SPAN lang=ko>원에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>현대자동차</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>주식을</SPAN><SPAN lang=en-US>&nbsp;갑</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>부터</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>구매를</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>한다</SPAN><SPAN lang=en-US>.</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>4. 3</SPAN><SPAN lang=ko>일안에만</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>현대자동차를</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>구매해서</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투자자들에게</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>돌려주면</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>되므로</SPAN><SPAN lang=en-US>, 갑</SPAN><SPAN lang=ko>은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>이후</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>현대자동차의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>시세를</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>유심히</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>지켜본다</SPAN><SPAN lang=en-US>.</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>5. 3</SPAN><SPAN lang=ko>일째</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>되는</SPAN><SPAN lang=en-US> 10</SPAN><SPAN lang=ko>월</SPAN><SPAN lang=en-US> 24</SPAN><SPAN lang=ko>일</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>현대자동차</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>시세가</SPAN><SPAN lang=en-US> 160,000</SPAN><SPAN lang=ko>원으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>떨어진다</SPAN><SPAN lang=en-US>. (</SPAN><SPAN lang=ko>예</SPAN><SPAN lang=en-US>상 </SPAN><SPAN lang=ko>처럼</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>된다면</SPAN><SPAN lang=en-US>…)</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>6. </SPAN><SPAN lang=ko>그럼</SPAN><SPAN lang=en-US> 갑</SPAN><SPAN lang=ko>은</SPAN><SPAN lang=en-US> 160,000</SPAN><SPAN lang=ko>원에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>현대자동차</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>주식을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투자자들이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>주문한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>만큼</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>구매해서</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>돌려주고</SPAN><SPAN lang=en-US>, 20,000</SPAN><SPAN lang=ko>원에서</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>남은</SPAN><SPAN lang=en-US> 4,000</SPAN><SPAN lang=ko>원씩의</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>시세차익을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보게</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>된다</SPAN><SPAN lang=en-US>.</SPAN></P> <P lang=en-US style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">-----------------------------------------------------------------------------------------------------------------------------------------------------</P> <P lang=en-US style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 9.75pt; MARGIN: 0in; COLOR: #3d3d3d"><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">잘되었을</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">경우</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> -></SPAN><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">예상대로 주가가 하락하게 되면 많은 시세차익을 낼 수 있지만, </SPAN></P> <P style="FONT-SIZE: 9.75pt; MARGIN: 0in; COLOR: #3d3d3d"><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">삐끗할</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">경우</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> -> </SPAN><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">예상과 달리 주가가 상승하게 되면 공매도한 투자자는 손해를 보게 된다. </SPAN></P> <P style="FONT-SIZE: 9.75pt; MARGIN: 0in; COLOR: #3d3d3d"><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">구매를</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">못할</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">경우</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> -> </SPAN><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">또 주식을 확보하지 못해 결제일에 주식을 입고하지 못하면 결제불이행 사태가 발생할 수도 있다.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 9.75pt; MARGIN: 0in; COLOR: #3d3d3d; FONT-FAMILY: 'Malgun Gothic'">국내 증권회사 경우 원칙적으로 개인이든 기관이든 공매도를 허용하고 있지 않지만 </P> <P style="FONT-SIZE: 9.75pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'"><SPAN style="COLOR: #3d3d3d">일부 예외적으로 증권시장의 </SPAN><A href="http://terms.naver.com/search.naver?mode=all&query=%BE%C8%C1%A4%BC%BA"><U><FONT color=#0000ff>안정성</FONT></U></A><SPAN style="COLOR: #3d3d3d"> 및 공정한 </SPAN><A href="http://100.naver.com/100.nhn?docid=201328" target="_blank"><U><FONT color=#0000ff>가격형성</FONT></U></A><SPAN style="COLOR: #3d3d3d">을 위하여 </SPAN><A href="http://100.naver.com/100.nhn?docid=45723" target="_blank"><U><FONT color=#0000ff>대통령령</FONT></U></A><SPAN style="COLOR: #3d3d3d">으로 정하는 방법에 따르는 경우에는 공매도를 허용한다(</SPAN><A href="http://100.naver.com/100.nhn?docid=864647" target="_blank"><U><FONT color=#0000ff>자본시장과 금융투자업에 관한 법률</FONT></U></A><SPAN style="COLOR: #3d3d3d"> 제180조 1항). </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 9.75pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'"><SPAN style="COLOR: #3d3d3d">또한 증권시장에서 </SPAN><A href="http://terms.naver.com/item.nhn?dirId=5&docId=1356"><U><FONT color=#0000ff>매수계약</FONT></U></A><SPAN style="COLOR: #3d3d3d">이 체결된 </SPAN><A href="http://100.naver.com/100.nhn?docid=87531" target="_blank"><U><FONT color=#0000ff>상장증권</FONT></U></A><SPAN style="COLOR: #3d3d3d">을 해당 수량의 범위에서 결제일 전에 매도하는 경우, </SPAN></P> <P style="FONT-SIZE: 9.75pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'"><A href="http://100.naver.com/100.nhn?docid=135298" target="_blank"><U><FONT color=#0000ff>전환사채</FONT></U></A><SPAN style="COLOR: #3d3d3d">·</SPAN><A href="http://100.naver.com/100.nhn?docid=744184" target="_blank"><U><FONT color=#0000ff>교환사채</FONT></U></A><SPAN style="COLOR: #3d3d3d">·</SPAN><A href="http://100.naver.com/100.nhn?docid=748944" target="_blank"><U><FONT color=#0000ff>신주인수권부사채</FONT></U></A><SPAN style="COLOR: #3d3d3d"> 등의 </SPAN><A href="http://terms.naver.com/item.nhn?dirId=1&docId=2646"><U><FONT color=#0000ff>권리 행사</FONT></U></A><SPAN style="COLOR: #3d3d3d">, 유·</SPAN><A href="http://100.naver.com/100.nhn?docid=131523" target="_blank"><U><FONT color=#0000ff>무상증자</FONT></U></A><SPAN style="COLOR: #3d3d3d">, </SPAN><A href="http://100.naver.com/search.nhn?query=%C1%D6%BD%C4%B9%E8%B4%E7"><U><FONT color=#0000ff>주식배당</FONT></U></A><SPAN style="COLOR: #3d3d3d"> 등으로 취득할 주식을 매도하는 경우로서 </SPAN></P> <P style="FONT-SIZE: 9.75pt; MARGIN: 0in; COLOR: #3d3d3d; FONT-FAMILY: 'Malgun Gothic'">결제일까지 그 주식이 상장되어 결제가 가능한 경우 등의 경우 등에는 이를 공매도로 보지 아니한다(동조 2항)</P> <P style="FONT-SIZE: 9.75pt; MARGIN: 0in; COLOR: #3d3d3d; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 9.75pt; MARGIN: 0in; COLOR: #3d3d3d; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 9.75pt; MARGIN: 0in; COLOR: #3d3d3d; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 9.75pt; MARGIN: 0in; COLOR: #3d3d3d; FONT-FAMILY: 'Malgun Gothic'"> </P> <P style="FONT-SIZE: 9.5pt; MARGIN: 0in; COLOR: #444444; FONT-FAMILY: '맑은 고딕'">1. 주식 공매도가 우리나라에 언제부터 시작되었는지? </P> <P style="FONT-SIZE: 9.5pt; MARGIN: 0in; COLOR: #444444; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 9.5pt; MARGIN: 0in; COLOR: #444444; FONT-FAMILY: '맑은 고딕'">=> <SPAN style="FONT-WEIGHT: bold">정확하게 말하면 우리나라에는 공매도를 허용한 적이 없습니다.</SPAN></P> <P style="FONT-SIZE: 9.5pt; MARGIN: 0in; COLOR: #444444; FONT-FAMILY: '맑은 고딕'">&nbsp;&nbsp;&nbsp;&nbsp; 우리 나라에서 차익거래를 할 수 있게 된지 얼마되지 않아서 그런지, 용어가 많이 혼선되어 쓰이고 있는데,</P> <P style="FONT-SIZE: 9.5pt; MARGIN: 0in; COLOR: #444444; FONT-FAMILY: '맑은 고딕'">&nbsp;&nbsp;&nbsp;&nbsp; 공매도란 주식을 보유하지 않은 상태에서 매도주문을 낼 수 있는 겁니다.</P> <P style="FONT-SIZE: 9.5pt; MARGIN: 0in; COLOR: #444444; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>&nbsp;&nbsp;&nbsp;&nbsp; 우리 나라에서는 </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">대주</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">거래와 대차</SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold"> </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold">거래만 가능한데 흔히 이를 일컬어 공매도라고</SPAN><SPAN lang=ko> 합니다.</SPAN></P> <P style="FONT-SIZE: 9.5pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN style="COLOR: #444444">&nbsp;&nbsp;&nbsp;&nbsp; </SPAN><SPAN style="FONT-WEIGHT: bold; COLOR: blue">대주거래와 대차거래는 주식을 빌려서 매도하는 것으로 공매도와 비슷한 것 같지만 사실은 차이</SPAN><SPAN style="COLOR: #444444">가 있죠?</SPAN></P> <P style="FONT-SIZE: 9.5pt; MARGIN: 0in; COLOR: #444444; FONT-FAMILY: '맑은 고딕'">&nbsp;&nbsp;&nbsp;&nbsp;</P> <P style="FONT-SIZE: 9.5pt; MARGIN: 0in; COLOR: #444444; FONT-FAMILY: '맑은 고딕'">&nbsp;&nbsp;&nbsp;&nbsp; 대주거래와 대차거래에 대해서는 간단하게 아래의 표로 설명을 대신하겠습니다.</P> <P style="FONT-SIZE: 9.5pt; MARGIN: 0in 0in 0in 0.375in; COLOR: #444444; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <DIV style="DIRECTION: ltr"> <TABLE style="BORDER-RIGHT: #a3a3a3 1pt solid; BORDER-TOP: #a3a3a3 1pt solid; MARGIN-LEFT: 0.333in; BORDER-LEFT: #a3a3a3 1pt solid; DIRECTION: ltr; BORDER-BOTTOM: #a3a3a3 1pt solid; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 border=1 valign="top"> <TBODY> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.75in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 9.5pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 2.154in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-WEIGHT: bold; FONT-SIZE: 9.5pt; MARGIN: 0in; COLOR: #444444; FONT-FAMILY: '맑은 고딕'">대주거래</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 3.172in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-WEIGHT: bold; FONT-SIZE: 9.5pt; MARGIN: 0in; COLOR: #444444; FONT-FAMILY: '맑은 고딕'">대차거래</P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.75in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 9.5pt; MARGIN: 0in; COLOR: #444444; FONT-FAMILY: '맑은 고딕'">거래형식</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 2.154in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 9.5pt; MARGIN: 0in; COLOR: #444444; FONT-FAMILY: '맑은 고딕'">증권사를 통해 주식을 빌려 매도</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 3.172in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 9.5pt; MARGIN: 0in; COLOR: #444444; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>주식</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>차입자와 대여자간에 따로 거래계약을 맺음.</SPAN></P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.75in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 9.5pt; MARGIN: 0in; COLOR: #444444; FONT-FAMILY: '맑은 고딕'">거래장소</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 2.154in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 9.5pt; MARGIN: 0in; COLOR: #444444; FONT-FAMILY: '맑은 고딕'">거래소시장(HTS에서 가능)</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 3.172in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 9.5pt; MARGIN: 0in; COLOR: #444444; FONT-FAMILY: '맑은 고딕'">장외시장(중개기관을 통해 따로 계약)</P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.75in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 9.5pt; MARGIN: 0in; COLOR: #444444; FONT-FAMILY: '맑은 고딕'">거래대상</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 2.154in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 9.5pt; MARGIN: 0in; COLOR: #444444; FONT-FAMILY: '맑은 고딕'">개인투자자에게 허용</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 3.172in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 9.5pt; MARGIN: 0in; COLOR: #444444; FONT-FAMILY: '맑은 고딕'">기관투자가(외국인포함)에게만 허용</P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.75in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 9.5pt; MARGIN: 0in; COLOR: #444444; FONT-FAMILY: '맑은 고딕'">수수료</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 2.154in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 9.5pt; MARGIN: 0in; COLOR: #444444; FONT-FAMILY: '맑은 고딕'">증권사별로 정해진 수수료</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 3.172in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 9.5pt; MARGIN: 0in; COLOR: #444444; FONT-FAMILY: '맑은 고딕'">계약사항에 따라서 다름</P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.75in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 9.5pt; MARGIN: 0in; COLOR: #444444; FONT-FAMILY: '맑은 고딕'">한도</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 2.154in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 9.5pt; MARGIN: 0in; COLOR: #444444; FONT-FAMILY: '맑은 고딕'">증권회사별, 개인고객별로 관리</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 3.172in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 9.5pt; MARGIN: 0in; COLOR: #444444; FONT-FAMILY: '맑은 고딕'">계약자들 마음. 한도 없음.</P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.75in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 9.5pt; MARGIN: 0in; COLOR: #444444; FONT-FAMILY: '맑은 고딕'">담보</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 2.154in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 9.5pt; MARGIN: 0in; COLOR: #444444; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>대주</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>매도</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>대금을 담보로 잡는다.</SPAN></P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 3.172in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 9.5pt; MARGIN: 0in; COLOR: #444444; FONT-FAMILY: '맑은 고딕'">주식차입자가 현금 혹은 유가증권을 담보로 제공.</P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.75in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 9.5pt; MARGIN: 0in; COLOR: #444444; FONT-FAMILY: '맑은 고딕'">만기일</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 2.154in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 9.5pt; MARGIN: 0in; COLOR: #444444; FONT-FAMILY: '맑은 고딕'">30일 ~ 60일, 연장가능</P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 3.172in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 9.5pt; MARGIN: 0in; COLOR: #444444; FONT-FAMILY: '맑은 고딕'">계약하기 나름.</P></TD></TR></TBODY></TABLE></DIV> <P style="FONT-SIZE: 9.5pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 9.5pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">공매도는 </P> <P style="FONT-SIZE: 9.5pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: 'Malgun Gothic'">제3자로부터 주식을 빌려서 매도하는 <SPAN style="FONT-WEIGHT: bold">커버드 숏셀링(Covered Short Selling)</SPAN>과 </P> <P style="FONT-SIZE: 9.5pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: 'Malgun Gothic'">주식을 전혀 갖고 있지 않는 상태에서 매도 주문을 내는 <SPAN style="FONT-WEIGHT: bold">네이키드 숏셀링(Naked Short Selling)</SPAN>으로 구분된다. </P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 9.5pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: 'Malgun Gothic'">우리나라에서는 커버드 숏셀링만 허용된다</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; MARGIN: 0in; COLOR: #444444"><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">과연</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">약일까</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'">? </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">독일까</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'">???</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in"><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">어떤</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">종목을</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> 1</SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">만원에</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">공매도하면</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">매도한</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">사람은</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> 3</SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">일</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">이내에</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">매수한</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">사람으로</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">부터</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">주식대금</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> 1</SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">만원을</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">받게된다</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'">.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>만약</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>그</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>종목의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>주가가</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>떨어지게</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>된다면</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>떨어진</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>만큼의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>이익을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>갖게</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>된다</SPAN><SPAN lang=en-US>.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>떨어진</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>가격으로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>매수자에게</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>줄</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>수</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>있으니깐</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>반대로</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>공매도</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>하고</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>나서</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>종목의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>주가가</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>올라</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>간다면</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>비싼값을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>주고서라도</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>사야</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>한다</SPAN><SPAN lang=en-US>. </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>이럴경우</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>손해를</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>보게</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>된다</SPAN><SPAN lang=en-US>.</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>즉</SPAN><SPAN lang=en-US>, </SPAN><SPAN lang=ko>공매도는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>주식이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>떨어질</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>것을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>예상하고</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>하는</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>거래이다</SPAN><SPAN lang=en-US>.</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>긍정적</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>의견</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>1) </SPAN><SPAN lang=ko>가격</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>발견</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>기능의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>강화</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>2) </SPAN><SPAN lang=ko>다양한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투자전략을</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>제공할</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>수</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>있다</SPAN><SPAN lang=en-US>.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>3) </SPAN><SPAN lang=ko>증시에</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>유동성이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>증가할</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>수</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>있다</SPAN><SPAN lang=en-US>.</SPAN></P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>부정적</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>의견</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>1) </SPAN><SPAN lang=ko>공매도</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>발표</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>후</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>대차잔액</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>상위</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>종목들의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>주가</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>급락</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>현상</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>2) </SPAN><SPAN lang=ko>증시</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>변동성이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>증대</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>될</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>수</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>있다</SPAN><SPAN lang=en-US>.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>3) </SPAN><SPAN lang=ko>외국인의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투기적</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>매매</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>조장이</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>가능하다</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in 0in 0in 0.375in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>4) </SPAN><SPAN lang=ko>공매도</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>투자자들의</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>규칙과</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>절차</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>비준수</SPAN></P> 주택청약 통장!! 어떻게 다른가? tag:blog.daum.net,2009:nightway78.17966919 knight 2009-11-17T19:20:09Z 2009-11-17T19:20:09Z &nbsp; <UL style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.074in; DIRECTION: ltr; unicode-bidi: embed"> <P style="FONT-WEIGHT: bold; FONT-SIZE: 14pt; MARGIN: 0in"><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">주택청약통장</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">어떻게</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">다른가</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'">??</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <DIV style="DIRECTION: ltr"> <TABLE style="BORDER-RIGHT: #a3a3a3 0pt solid; BORDER-TOP: #a3a3a3 0pt solid; BORDER-LEFT: #a3a3a3 0pt solid; DIRECTION: ltr; BORDER-BOTTOM: #a3a3a3 0pt solid; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 border=0 valign="top"> <TBODY> <TR> <TD style="BORDER-TOP-WIDTH: 0pt; PADDING-RIGHT: 4pt; PADDING-LEFT: 4pt; BORDER-LEFT-WIDTH: 0pt; BORDER-BOTTOM-WIDTH: 0pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; WIDTH: 10.282in; PADDING-TOP: 4pt; BORDER-RIGHT-WIDTH: 0pt"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림"><SPAN style="FONT-WEIGHT: bold; COLOR: #000063">주택청약종합저축, 오해와 진실</SPAN><SPAN style="COLOR: black"> </SPAN></P></TD></TR> <TR> <TD style="BORDER-TOP-WIDTH: 0pt; PADDING-RIGHT: 4pt; PADDING-LEFT: 4pt; BORDER-LEFT-WIDTH: 0pt; BORDER-BOTTOM-WIDTH: 0pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; WIDTH: 10.282in; PADDING-TOP: 4pt; BORDER-RIGHT-WIDTH: 0pt"> <UL style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.02in; DIRECTION: ltr; unicode-bidi: embed"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: black; FONT-FAMILY: 굴림">통장 하나로 모든 주택에 청약할 수 있는 주택청약종합저축이 지난 6일 출시 첫날에만 가입자가 </P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: black; FONT-FAMILY: 굴림">226만명에 달할 정도로 인기를 끌고 있다. 종전에 아파트를 청약하려면 청약저축(전용면적 85㎡ </P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: black; FONT-FAMILY: 굴림">이하 공공주택에 청약 가능)이나 청약예ㆍ부금(민영주택 청약용) 등 3가지 중 최소한 하나에 들어야 했다. </P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: black; FONT-FAMILY: 굴림">하지만 청약저축 청약예금 청약부금 기능을 합한 종합통장 주택청약종합저축이 나오면서 이제는 </P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: black; FONT-FAMILY: 굴림">가입 방식이 달라졌다. </P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: black; FONT-FAMILY: 굴림">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: black; FONT-FAMILY: 굴림">&nbsp;</P> <DIV style="DIRECTION: ltr"> <TABLE style="BORDER-RIGHT: #a3a3a3 1pt solid; BORDER-TOP: #a3a3a3 1pt solid; BORDER-LEFT: #a3a3a3 1pt solid; DIRECTION: ltr; BORDER-BOTTOM: #a3a3a3 1pt solid; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 border=1 valign="top"> <TBODY> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 6.693in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; MARGIN: 0in"><SPAN lang=ko style="FONT-FAMILY: 굴림">청약종합저축의</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">장점</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'">!!</SPAN></P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 6.693in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: black"><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'">1) </SPAN><SPAN lang=ko style="FONT-FAMILY: 굴림">일단 주택 소유 여부나 연령에 관계없이 누구나 가입할 수 있다. </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: black"><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'">2) </SPAN><SPAN lang=ko style="FONT-FAMILY: 굴림">무주택자는 물론이고 유주택자,</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: 굴림">미성년자 등 모두 `1인 1통장`을 만들 수 있는 것. </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: black"><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'">3) </SPAN><SPAN lang=ko style="FONT-FAMILY: 굴림">청약시 국민주택 또는 민영주택 어디에나 청약이 가능하기 때문에 일명 `만능 청약통장`으로 불린다. </SPAN></P></TD></TR></TBODY></TABLE></DIV> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림"><SPAN style="COLOR: black">그렇지만 </SPAN><SPAN style="COLOR: blue">기존 청약저축, 청약예금, 청약부금 효력은 그대로 유지되기 때문에 `만능`이라는 포장만 보고 </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: blue; FONT-FAMILY: 굴림">주택청약종합저축으로 갈아타면 오히려 손해를 볼 수 있다. </P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: blue; FONT-FAMILY: 굴림">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: black; FONT-FAMILY: 굴림">예컨대 최근 서울 강남 세곡과 서초 우면, 고양 원흥, 하남 미사 등 보금자리주택 시범지구 4곳이 선정돼 9월에 사전예약 방식으로 1만2000~1만5000가구가 우선 분양될 예정이지만 주택청약종합저축 가입자는 혜택을 못 볼 것으로 전망된다. </P> <P style="MARGIN: 0in">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: black; FONT-FAMILY: 굴림">&nbsp;</P> <P style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; MARGIN: 0in; COLOR: black"><SPAN lang=ko style="FONT-FAMILY: 굴림">청약종합저축의</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">헛점</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in"><SPAN lang=en-US style="COLOR: black; FONT-FAMILY: '맑은 고딕'">1) </SPAN><SPAN lang=ko style="COLOR: black; FONT-FAMILY: 굴림">보금자리주택 청약 자격은 청약저축 또는 주택청약종합저축 가입 무주택 가구주지만 당첨 확률 측면에서 본다면 사실상 그 대상은 청약저축 가입자로 제한될 것으로 예상되기 때문이다. </SPAN><SPAN lang=ko style="COLOR: blue; FONT-FAMILY: 굴림">청약 경쟁률이 높을 것으로 예상되는 가운데 이달부터 나온 주택청약종합저축은 1순위가 되려면 앞으로 24개월이 지나야 한다.</SPAN><SPAN lang=ko style="COLOR: black; FONT-FAMILY: 굴림"> </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in"><SPAN lang=en-US style="COLOR: black; FONT-FAMILY: '맑은 고딕'">2) </SPAN><SPAN lang=ko style="COLOR: black; FONT-FAMILY: 굴림">아울러 미성년자도 주택청약종합저축에 가입할 수 있지만 </SPAN><SPAN lang=ko style="COLOR: blue; FONT-FAMILY: 굴림">1순위 요건을 갖추더라도 바로 청약할 수 없다. 현 청약제도는 20세 이상인 자에게 청약권을 부여하고 있기 때문이다. </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: black; FONT-FAMILY: 굴림">이에 따라 주택청약종합저축으로 갈아탈 때는 기존 통장과 비교해 득실을 꼼꼼히 따져봐야 한다. </P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: blue; FONT-FAMILY: 굴림">다만 `1인 1통장`이 가능하기 때문에 기존 통장을 그대로 유지하면서 다른 가족이나 자녀 명의로 주택청약종합저축에 가입하는 것은 바람직하다고 전문가들은 조언한다. </P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림">&nbsp;</P> <P style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=ko>세제</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>혜택은</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>기존</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>청약저축</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>통장</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>가입과</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>동일한</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>조건</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: black; FONT-FAMILY: 굴림">한편 기획재정부와 국토해양부에 따르면 주택청약종합저축의 세제 혜택은 과거 청약저축 통장 가입 조건을 갖춘 사람에게만 청약저축과 같은 혜택을 주는 선에서 결정됐다. 이전 청약저축 소득공제 대상은 무주택 가구주인 근로자로 국민주택 규모(전용면적 85㎡ 이하) 주택을 청약하면</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: black; FONT-FAMILY: 굴림">연간 납입금액 40%(금액 한도 48만원)에 대해 소득공제 혜택을 줬다. </P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림">&nbsp;</P> <P style="MARGIN: 0in">&nbsp;</P> <P style="MARGIN: 0in; TEXT-ALIGN: center"><img src="http://cfile232.uf.daum.net/image/173BB2164B027A2F7E747B" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="553" hspace="1" width="553" vspace="1" border="0" /></P> <P style="MARGIN: 0in">&nbsp;</P></UL></TD></TR> <TR> <TD style="BORDER-TOP-WIDTH: 0pt; PADDING-RIGHT: 4pt; PADDING-LEFT: 4pt; BORDER-LEFT-WIDTH: 0pt; BORDER-BOTTOM-WIDTH: 0pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; WIDTH: 10.282in; PADDING-TOP: 4pt; BORDER-RIGHT-WIDTH: 0pt"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: black; FONT-FAMILY: 굴림">&nbsp;</P></TD></TR> <TR> <TD style="BORDER-TOP-WIDTH: 0pt; PADDING-RIGHT: 4pt; PADDING-LEFT: 4pt; BORDER-LEFT-WIDTH: 0pt; BORDER-BOTTOM-WIDTH: 0pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; WIDTH: 10.282in; PADDING-TOP: 4pt; BORDER-RIGHT-WIDTH: 0pt"> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: black; FONT-FAMILY: 굴림">주택청약종합통장에 대한 궁금증을 문답풀이 형태로 알아본다. </P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: black"><SPAN lang=en-US style="FONT-WEIGHT: bold; FONT-FAMILY: '맑은 고딕'">Q1) </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold; FONT-FAMILY: 굴림">기존 청약저축이나 청약 </SPAN><SPAN lang=en-US style="FONT-WEIGHT: bold; FONT-FAMILY: '맑은 고딕'"><SPAN style="mso-spacerun: yes">&nbsp;&nbsp;&nbsp;</SPAN></SPAN><SPAN lang=ko style="FONT-WEIGHT: bold; FONT-FAMILY: 굴림">예ㆍ부금 가입자의 전환 가입은 가능한가.</SPAN><SPAN lang=ko style="FONT-FAMILY: 굴림"> </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: black; FONT-FAMILY: 굴림">▶주택청약종합저축 통장이 출시됐지만 기존 청약저축, 청약예금, 청약부금 효력은 그대로 유지된다. </P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: black; FONT-FAMILY: 굴림">기존 통장 가입 기간이 길고 생각해둔 분양 예정 단지가 있다면 기존 통장을 갖고 있는 것이 유리하다. </P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림"><SPAN style="COLOR: blue">기존 통장에서 주택청약종합저축으로 전환은 불가능</SPAN><SPAN style="COLOR: black">하다. </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림"><SPAN style="COLOR: black">기존 청약저축, 청약예금, 청약부금 가입자가 주택청약종합저축에 가입하려면 </SPAN><SPAN style="COLOR: blue">기존 통장을 해지하고 주택청약종합저축에 신규로 가입해야 한다.</SPAN><SPAN style="COLOR: black"> </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: blue; FONT-FAMILY: 굴림">특히 신규로 가입하면 기존 통장의 가입 기간과 금액을 인정하지 않는다. </P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: black; FONT-FAMILY: 굴림">청약저축은 납입 횟수와 금액, 예ㆍ부금은 청약가점으로 당락이 결정되기 때문에 가점이 </P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: black; FONT-FAMILY: 굴림">높은 청약 예ㆍ부금 가입자나 납입 횟수(금액)가 많은 청약저축 가입자는 기존 통장을 보유하는 것이 좋다. </P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: black; FONT-FAMILY: 굴림">당장은 주택청약종합저축에 가입하는 사람과 기존 통장 가입자가 동시에 경쟁하면 </P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: black; FONT-FAMILY: 굴림">가입 기간이나 순위에서 앞서는 기존 가입자가 아파트 당첨에 유리할 수 있다. </P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림"><SPAN style="COLOR: black">그렇지만 </SPAN><SPAN style="COLOR: blue">2년 뒤 주택청약종합저축 가입자가 1순위가 되고 나면 사정이 달라진다</SPAN><SPAN style="COLOR: black">. </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: black; FONT-FAMILY: 굴림">주택청약종합저축 가입자는 공공이나 민영을 자유롭게 청약할 수 있기 때문에 기존 통장 가입자보다 더 많은 청약 기회를 얻게 된다. </P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림"><SPAN style="COLOR: black">이러한 점을 고려해</SPAN><SPAN style="COLOR: blue"> 기존 통장 가입자 중 가입 기간이 짧고 가점이 높지 않은 사람이라면 주택청약종합저축으로 갈아타는 것을 고려해볼 필요가 있다. </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: black"><SPAN lang=en-US style="FONT-WEIGHT: bold; FONT-FAMILY: '맑은 고딕'">Q2) </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold; FONT-FAMILY: 굴림">주택청약종합저축 납입 방식은.</SPAN><SPAN lang=ko style="FONT-FAMILY: 굴림"> </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림"><SPAN style="COLOR: black">▶매월 일정 금액을 납입하는 </SPAN><SPAN style="COLOR: blue">납입식을 기본으로 하고 예치식을 병행한다</SPAN><SPAN style="COLOR: black">. </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림"><SPAN style="COLOR: black">구체적으로 살펴보면 </SPAN><SPAN style="COLOR: blue">매월 2만원 이상~50만원 이하 금액을 5000원 단위로 납입</SPAN><SPAN style="COLOR: black">할 수 있다. </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: black; FONT-FAMILY: 굴림">이를 2년간 적립하면 청약저축 1순위가 부여된다. </P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: black; FONT-FAMILY: 굴림">또 적립금액이 지역별 예치금으로 인정되면 민영주택 청약 1순위 자격을 얻게 된다. </P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: black; FONT-FAMILY: 굴림">예컨대 서울에서 전용면적 85㎡ 이하 주택 청약을 원한다면 적립금액이300만원이 돼야 하고, </P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: black; FONT-FAMILY: 굴림">전용면적 85~102㎡ 600만원, 102~135㎡ 1000만원, 135㎡ 초과는 1500만원의 적립액이 필요하다. </P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: black"><SPAN lang=en-US style="FONT-WEIGHT: bold; FONT-FAMILY: '맑은 고딕'">Q3) </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold; FONT-FAMILY: 굴림">적립식과 예치식을 병행할 때 기존 청약저축 가입자 순차에 역전 현상이 발생하지 않는가.</SPAN><SPAN lang=ko style="FONT-FAMILY: 굴림"> </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: black; FONT-FAMILY: 굴림">▶이를 방지하지 위한 조치가 마련돼 있다. </P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림"><SPAN style="COLOR: blue">기존 청약저축은 10만원 한도로 납입하고 있지만 주택청약종합저축은 최대 50만원까지 납입 가능하다.</SPAN><SPAN style="COLOR: black"> </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: black; FONT-FAMILY: 굴림">이에 따라 2년 이상 경과한 1순위자 선정에서 납입 총액을 기준으로 하면 순차 역전 현상이 발생할 여지가 있다. </P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림"><SPAN style="COLOR: black">이를 방지하지 위해 주택청약종합저축 가입자가 85㎡ 이하 국민주택 청약시 </SPAN><SPAN style="COLOR: blue">월 납입금액이 10만원을 초과하면 최대 10만원까지만 인정</SPAN><SPAN style="COLOR: black">하기로 했다. </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: black"><SPAN lang=en-US style="FONT-WEIGHT: bold; FONT-FAMILY: '맑은 고딕'">Q4) </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold; FONT-FAMILY: 굴림">예치금을 일시에 예치해도 분할 납입을 인정해 주나.</SPAN><SPAN lang=ko style="FONT-FAMILY: 굴림"> </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림"><SPAN style="COLOR: black">▶한 번에 예치하는 일정액을 분할 납입금으로 인정받기를 희망할 때 </SPAN><SPAN style="COLOR: blue">선납을 인정하고, </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: blue; FONT-FAMILY: 굴림">선납한 납입 횟수는 납입일 경과 후 납입액이 예ㆍ부금의 지역별 예치금에 도달하면 예치금으로 인정된다. </P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림">&nbsp;</P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: black"><SPAN lang=en-US style="FONT-WEIGHT: bold; FONT-FAMILY: '맑은 고딕'"><SPAN style="mso-spacerun: yes">&nbsp;</SPAN>Q5) </SPAN><SPAN lang=ko style="FONT-WEIGHT: bold; FONT-FAMILY: 굴림">주택청약종합저축 통장을 이용할 때 주택 종류와 규모는 마음대로 골라 청약할 수 있나.</SPAN><SPAN lang=ko style="FONT-FAMILY: 굴림"> </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림"><SPAN style="COLOR: black">▶</SPAN><SPAN style="COLOR: blue">공공주택이든 민간주택이든 원하는 대로 신청할 수 있다</SPAN><SPAN style="COLOR: black">. </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: black; FONT-FAMILY: 굴림">민간주택 청약은 최초 청약시 희망 주택 규모를 선택할 수 있다. </P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: blue; FONT-FAMILY: 굴림">기존 통장은 최초 가입할 때 주택 규모를 정해 예치금을 넣어야 하지만 주택청약종합저축은 가입할 때가 아니라 </P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림"><SPAN style="COLOR: blue">청약할 때 신청할 주택 규모에 예치금을 맞추면 된다.</SPAN><SPAN style="COLOR: black"> </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림"><SPAN style="COLOR: black">그렇지만 </SPAN><SPAN style="COLOR: blue">최초 희망 주택 규모를 선택한 이후 이를 변경하려면 2년</SPAN><SPAN style="COLOR: black">이 지나야 한다. </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림"><SPAN style="COLOR: black">특히 이 과정에서 </SPAN><SPAN style="COLOR: blue">작은 주택 규모로 청약할 때는 바로 할 수 있지만 큰 주택 규모로 청약하려면 변경한 날로부터 1년이 지나야 가능</SPAN><SPAN style="COLOR: black">하다. </SPAN></P></TD></TR></TBODY></TABLE></DIV> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 굴림">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; COLOR: #666666; FONT-FAMILY: 굴림">원본 위치 <<A href="http://news.mk.co.kr/newsRead.php?year=2009&no=291233"><U><FONT color=#0000ff>http://news.mk.co.kr/newsRead.php?year=2009&no=291233</FONT></U></A>> </P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P></UL> 경제 상식 - 사이드 카 tag:blog.daum.net,2009:nightway78.17966918 knight 2009-11-17T19:18:39Z 2009-11-17T19:18:39Z &nbsp; <UL style="MARGIN-TOP: 0in; MARGIN-BOTTOM: 0in; MARGIN-LEFT: 0.074in; DIRECTION: ltr; unicode-bidi: embed"> <P style="FONT-WEIGHT: bold; FONT-SIZE: 9.75pt; MARGIN: 0in; COLOR: #3d3d3d"><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'">1. </SPAN><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">사이드카</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> [Sidecar]</SPAN></P> <P style="FONT-SIZE: 9.75pt; MARGIN: 0in; COLOR: #3d3d3d; FONT-FAMILY: 'Malgun Gothic'">선물시장이 급변할 경우 현물시장에 대한 영향을 최소화함으로써 현물시장을 안정적으로 운용하기 위해 도입한 프로그램 매매호가 관리제도.</P> <P style="FONT-SIZE: 9.75pt; MARGIN: 0in; COLOR: #3d3d3d; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 9.75pt; MARGIN: 0in; COLOR: red; FONT-FAMILY: 'Malgun Gothic'">프로그램 매매호가 관리제도의 일종으로, <A href="http://100.naver.com/100.nhn?docid=140621" target="_blank"><U><FONT color=#0000ff>주식시장</FONT></U></A>에서 주가의 등락폭이 갑자기 커질 경우 시장에 미치는 영향을 완화하기 위해 <A href="http://terms.naver.com/item.nhn?dirId=5&docId=897"><U><FONT color=#0000ff>주식매매</FONT></U></A>를 일시 정지시키는 제도인 <A href="http://100.naver.com/100.nhn?docid=748934" target="_blank"><U><FONT color=#0000ff>서킷브레이커</FONT></U></A>(circuit breaker)와 유사한 개념이다.</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in"><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">즉</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'">, </SPAN><SPAN lang=ko style="COLOR: #444444; FONT-FAMILY: 򬠄otum">선물시장의 급등락이 현물시장에 과도하게 파급되는 것을 막기 위한 장치</SPAN><SPAN lang=ko style="COLOR: #444444; FONT-FAMILY: '맑은 고딕'">이다</SPAN><SPAN lang=en-US style="COLOR: #444444; FONT-FAMILY: '맑은 고딕'">.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 9.75pt; MARGIN: 0in"><SPAN lang=ko style="COLOR: #3d3d3d; FONT-FAMILY: 'Malgun Gothic'">한국에서는 </SPAN><A href="http://terms.naver.com/item.nhn?dirId=5&docId=384"><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'"><U><FONT color=#0000ff>주가지수 선물시장</FONT></U></SPAN></A><SPAN lang=ko style="COLOR: #3d3d3d; FONT-FAMILY: 'Malgun Gothic'">을 개설하면서 도입하였는데, 선물가격이 </SPAN><A href="http://terms.naver.com/item.nhn?dirId=5&docId=880"><U><FONT color=#0000ff><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">전일</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">종가</SPAN></FONT></U></A><SPAN lang=ko style="COLOR: #3d3d3d; FONT-FAMILY: 'Malgun Gothic'"> 대비 5％ 이상 상승 또는 하락해 1분간 지속될 때 발동하며, 일단 발동되면 발동시</SPAN><SPAN lang=en-US style="COLOR: #3d3d3d; FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="COLOR: #3d3d3d; FONT-FAMILY: 'Malgun Gothic'">부터 주식시장 프로그램 매매호가의 효력이 5분간 정지된다.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 9.75pt; MARGIN: 0in; COLOR: #3d3d3d; FONT-FAMILY: 'Malgun Gothic'">그러나 5분이 지나면 자동적으로 해제되어 매매 체결이 재개되고, 주식시장 후장 매매 종료 40분 전(14시 20분) 이후에는 발동할 수 없으며, 또 1일 1회에 한해서만 발동할 수 있도록 되어 있다.</P> <P style="FONT-SIZE: 9.75pt; MARGIN: 0in; COLOR: #3d3d3d; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <DIV style="DIRECTION: ltr"> <TABLE style="BORDER-RIGHT: #a3a3a3 1pt solid; BORDER-TOP: #a3a3a3 1pt solid; BORDER-LEFT: #a3a3a3 1pt solid; DIRECTION: ltr; BORDER-BOTTOM: #a3a3a3 1pt solid; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 border=1 valign="top"> <TBODY> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.853in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 9pt; MARGIN: 0in; COLOR: #717171; FONT-FAMILY: 굴림">발동조건 : </P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 5.098in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 9pt; MARGIN: 0in"><SPAN lang=ko style="COLOR: black; FONT-FAMILY: 굴림">선물가격이 전일</SPAN><SPAN lang=en-US style="COLOR: black; FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="COLOR: black; FONT-FAMILY: 굴림">종가 대비 5%(</SPAN><A href="http://100.naver.com/100.nhn?docid=745349" target="_blank"><SPAN lang=ko style="FONT-FAMILY: 굴림"><U><FONT color=#0000ff>코스피</FONT></U></SPAN></A><SPAN lang=ko style="COLOR: black; FONT-FAMILY: 굴림">), 6%(</SPAN><A href="http://100.naver.com/100.nhn?docid=734564" target="_blank"><SPAN lang=ko style="FONT-FAMILY: 굴림"><U><FONT color=#0000ff>코스닥</FONT></U></SPAN></A><SPAN lang=ko style="COLOR: black; FONT-FAMILY: 굴림">) 이상 등락해 1분 이상 계속 될 때 </SPAN></P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.853in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 9pt; MARGIN: 0in; COLOR: #717171; FONT-FAMILY: 굴림">발동제한 : </P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 5.098in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 9pt; MARGIN: 0in; COLOR: black; FONT-FAMILY: 굴림">오전 9시 5분 이전과 장마감 40분 전인 오후 2시 20분 이후에는 발동 불가 </P></TD></TR> <TR> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 0.853in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 9pt; MARGIN: 0in; COLOR: #717171; FONT-FAMILY: 굴림">특징 : </P></TD> <TD style="BORDER-RIGHT: #a3a3a3 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #a3a3a3 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 4pt; VERTICAL-ALIGN: top; BORDER-LEFT: #a3a3a3 1pt solid; WIDTH: 5.098in; PADDING-TOP: 4pt; BORDER-BOTTOM: #a3a3a3 1pt solid"> <P style="FONT-SIZE: 9pt; MARGIN: 0in; COLOR: black; FONT-FAMILY: 굴림">사이드카 발동 5분이 지나면 자동 해제, 1일 1회 발동 </P></TD></TR></TBODY></TABLE></DIV> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P lang=en-US style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'">Ex) </P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">선물이 전날보다 급하게 오르면 현물시장에 '프로그램 매수 물량'이 쏟아지게 되고, 반대로 선물이 심하게 떨어질 경우 현물시장에 '프로그램 매도 물량'이 쏟아지죠.</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">프로그램 매매는 컴퓨터에 일정한 조건에서 매도나 매입을 판단하도록 짜여진 프로그램을 입력해 주식을 일정 가격대 안에서 거래하는 것이기 때문에, 조건만 맞으면 하루에도 몇 번이고 대량의 매매주문을 현물시장에 내놓게 됩니다.</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">이런 프로그램 매매 때문에 현물시장의 가격변동이 심화될 수 있으므로 현물시장에 들어오는 프로그램 매매 주문의 처리를 5분 동안 보류시키는 게 바로 사이드카입니다</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">5분이 지나면 사이드 카는 자동으로 풀리고 주문 순서에 따라 다시 프로그램 매매가 체결됩니다</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 9.75pt; MARGIN: 0in; COLOR: #3d3d3d; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 9.75pt; MARGIN: 0in; COLOR: #3d3d3d"><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">참고</SPAN><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'"> </SPAN><SPAN lang=ko style="FONT-FAMILY: '맑은 고딕'">자료</SPAN></P> <P style="FONT-WEIGHT: bold; FONT-SIZE: 9pt; MARGIN: 0in; COLOR: #3d3d3d"><SPAN lang=en-US style="FONT-FAMILY: '맑은 고딕'">2. </SPAN><SPAN lang=ko style="FONT-FAMILY: 'Malgun Gothic'">서킷브레이커 [circuit breakers] </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 9.75pt; MARGIN: 0in; COLOR: #3d3d3d; FONT-FAMILY: 'Malgun Gothic'">주식시장에서 주가가 급등 또는 급락하는 경우 주식매매를 일시 정지하는 제도.</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 9.75pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'"><SPAN style="COLOR: #3d3d3d">영어의 첫 글자를 따서 'CB'라고도 한다. </SPAN><A href="http://100.naver.com/100.nhn?docid=134421" target="_blank"><U><FONT color=#0000ff>전기 회로</FONT></U></A><SPAN style="COLOR: #3d3d3d">에서 </SPAN><A href="http://terms.naver.com/search.naver?mode=all&query=%BC%AD%C5%B6%BA%EA%B7%B9%C0%CC%C4%BF"><U><FONT color=#0000ff>서킷 브레이커</FONT></U></A><SPAN style="COLOR: #3d3d3d">가 과열된 회로를 차단하는 장치를 말하듯, </SPAN></P> <P style="FONT-SIZE: 9.75pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'"><A href="http://100.naver.com/100.nhn?docid=140621" target="_blank"><SPAN style="COLOR: red"><U>주식시장</U></SPAN></A><SPAN style="COLOR: red">에서 주가가 갑자기 급락하는 경우 시장에 미치는 충격을 완화하기 위하여 </SPAN><A href="http://terms.naver.com/item.nhn?dirId=5&docId=897"><SPAN style="COLOR: red"><U>주식매매</U></SPAN></A><SPAN style="COLOR: red">를 일시 정지하는 제도로 '주식거래 중단제도'라고도 한다.</SPAN><SPAN style="COLOR: #3d3d3d"> </SPAN></P> <P style="FONT-SIZE: 9.75pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'"><SPAN style="COLOR: #3d3d3d">1987년 10월 미국에서 사상 최악의 주가 대폭락사태인 </SPAN><A href="http://100.naver.com/100.nhn?docid=742480" target="_blank"><U><FONT color=#0000ff>블랙먼데이</FONT></U></A><SPAN style="COLOR: #3d3d3d">(Black Monday) 이후 주식시장의 붕괴를 막기 위해 처음으로 도입된 제도이다. </SPAN><A href="http://100.naver.com/100.nhn?docid=40586" target="_blank"><U><FONT color=#0000ff>뉴욕증권거래소</FONT></U></A><SPAN style="COLOR: #3d3d3d">(NYSE:New York Stock Exchange)의 경우 10%, 20%, 30%의 하락 상황에 따라 1~2시간 거래가 중단되거나 아예 그날 시장이 멈춰버리기도 한다. </SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 9.75pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'"><SPAN style="COLOR: #3d3d3d">한국에서는 </SPAN><A href="http://100.naver.com/100.nhn?docid=142083" target="_blank"><U><FONT color=#0000ff>증권거래소</FONT></U></A><SPAN style="COLOR: #3d3d3d">가 하루에 움직일 수 있는 주식의 </SPAN><A href="http://100.naver.com/100.nhn?docid=791840" target="_blank"><U><FONT color=#0000ff>가격제한 폭</FONT></U></A><SPAN style="COLOR: #3d3d3d">이 지난 1998년 12월 종전 상하 12%에서 상하 15%로 확대되면서 손실을 입을 위험이 더 커진 </SPAN><A href="http://terms.naver.com/item.nhn?dirId=1&docId=11922"><U><FONT color=#0000ff>투자자</FONT></U></A><SPAN style="COLOR: #3d3d3d">를 보호하기 위해 도입하였다. </SPAN></P> <P style="FONT-SIZE: 9.75pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'"><A href="http://100.naver.com/100.nhn?docid=734564" target="_blank"><U><FONT color=#0000ff>코스닥시장</FONT></U></A><SPAN style="COLOR: #3d3d3d">에는 2001년 </SPAN><A href="http://100.naver.com/100.nhn?docid=147119" target="_blank"><U><FONT color=#0000ff>10월 15일</FONT></U></A><SPAN style="COLOR: #3d3d3d"> 도입되었는데, 현물주식과 </SPAN><A href="http://terms.naver.com/item.nhn?dirId=1&docId=6332"><U><FONT color=#0000ff>선물옵션</FONT></U></A><SPAN style="COLOR: #3d3d3d">의 모든 거래를 중단시키는 현물 서킷브레이커와 </SPAN><A href="http://terms.naver.com/item.nhn?dirId=5&docId=214"><U><FONT color=#0000ff>선물옵션 거래</FONT></U></A><SPAN style="COLOR: #3d3d3d">만 중단시키는 선물 서킷브레이크로 구분된다. 현물 서킷브레이커는 현물주가가 폭락하는 경우에만 발동하며, 선물 서킷브레이크는 선물가격이 급등하거나 급락할 때 모두 발동된다.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: '맑은 고딕'"><SPAN lang=en-US>-> </SPAN><SPAN lang=ko>서킷브레이커</SPAN><SPAN lang=en-US> </SPAN><SPAN lang=ko>효과</SPAN></P> <P style="FONT-SIZE: 9.75pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'"><SPAN lang=ko style="COLOR: #3d3d3d">종합주가지수가 전일에 비해 10% 이상 하락한 상태가 1분 이상 지속되는 경우 모든 주식거래를 20분간 중단시킨다. 서킷브레이커가 발동되면 30분 경과 후에 매매가 재개되는데 처음 20분 동안은 모든 종목의 호가접수 및 매매거래가 중단되고, 나머지 10분 동안은 새로 호가를 접수하여 단일가격으로 처리한다. 선물·옵션시장에서는</SPAN><SPAN lang=en-US style="COLOR: #3d3d3d"> </SPAN><SPAN lang=ko style="COLOR: #3d3d3d">선물가격이</SPAN><SPAN lang=en-US style="COLOR: #3d3d3d"> </SPAN><SPAN lang=ko style="COLOR: #3d3d3d">상하</SPAN><SPAN lang=en-US style="COLOR: #3d3d3d"> 5%, </SPAN><A href="http://terms.naver.com/search.naver?mode=all&query=%B1%AB%B8%AE%C0%B2"><SPAN lang=ko><U><FONT color=#0000ff>괴리율</FONT></U></SPAN></A><SPAN lang=ko style="COLOR: #3d3d3d">이 상하 3%인 상태가 1분간 지속되면 5분간 매매를 중단하고, 10분간 호가를 접수하여 단일가격으로 처리한다.</SPAN></P> <P style="FONT-SIZE: 10pt; MARGIN: 0in; FONT-FAMILY: 'Malgun Gothic'">&nbsp;</P> <P style="FONT-SIZE: 9.75pt; MARGIN: 0in; COLOR: #3d3d3d; FONT-FAMILY: 'Malgun Gothic'">주식시장 개장 5분 후부터 장이 끝나기 40분 전인 오후 2시 20분까지 발동할 수 있고, 하루에 한 번만 발동할 수 있다. 한 번 발동한 후에는 요건이 충족되어도 다시 발동할 수 없다.</P></UL> <P></P> Bluetooth 3.0과 BlueZone을 이용한 자동 업데이트 시스템 tag:blog.daum.net,2009:nightway78.17966916 knight 2009-07-21T09:58:17Z 2009-07-21T09:58:17Z <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2"><FONT style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: 굴림">1) Bluetooth 3.0 spec 발표</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">2009년 4월 21일 블루투스SIG(Bluetooth Special Interest Group. www.bluetooth.com)는 </FONT><FONT style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: 굴림">블루투스 </FONT><FONT style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: 굴림">3.0(Bluetooth Core Specification Version 3.0 High Speed) 규격을 공식 발표</FONT><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">했다. </FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">근거리 무선 기술의 가장 최신버전인 ‘3.0’의 가장 큰 특징은 </FONT><FONT style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: 굴림">802.11 PAL(Protocol Adaptation Layer)</FONT><FONT style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: 굴림">를 채용, 기존 버전보다 대폭 속도를 향상</FONT><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">시켰다는 점이다. 이를 통해 </FONT><FONT style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: 굴림">데이터 전송 속도를 최대 </FONT><FONT style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: 굴림">24Mbps로</FONT><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;끌어올렸다. </FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">이를 통해 블루투스 기기간 </FONT><FONT style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: 굴림">대용량 동영상이나 음악파일을</FONT><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;무선으로 주고받을 수 있게 됐다. 또PC와 모</FONT><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">바일 기기간 음악을 무선으로 동기화하거나 프린터나 PC에 많은 사진을 내려받는 것 등도 가능하다. </FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">블루투스SIG가 지난 2007년 3월 ‘CTIA 와이어리스 2007’에서 발표한 현행 블루투스 2.1(Bluetooth </FONT><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">Core Specification Version 2.1)+EDR(Enhanced Data Rate)의 최대 속도는 3Mbps였다. </FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2"><FONT style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: 굴림">‘3.0’은 저전력화도 실현</FONT><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">했다. 블루투스 SIG에 따르면, ‘3.0’을 탑재한 모바일 기기는 내장된 전력 조절 </FONT><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">기능을 통해 보다 전력 소모를 크게 줄일 수 있다. &nbsp;</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 16pt"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 16pt"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2"><FONT style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: 굴림">2) New FEATURE</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align=center> <TABLE style="BORDER-RIGHT: medium none; BORDER-TOP: medium none; BORDER-LEFT: medium none; BORDER-BOTTOM: medium none; BORDER-COLLAPSE: collapse; mso-border-left-alt: solid black 0.25pt; mso-border-top-alt: solid black 0.25pt; mso-border-right-alt: solid black 0.25pt; mso-border-bottom-alt: solid black 0.25pt; mso-padding-alt: 3pt 0pt 3pt 0pt" height=180 cellSpacing=0 cellPadding=0 width=577 border=1> <TBODY> <TR height=180> <TD style="BORDER-RIGHT: black 0.25pt solid; PADDING-RIGHT: 0pt; BORDER-TOP: black 0.25pt solid; PADDING-LEFT: 0pt; PADDING-BOTTOM: 3pt; BORDER-LEFT: black 0.25pt solid; PADDING-TOP: 3pt; BORDER-BOTTOM: black 0.25pt solid" width=577 height=180> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;&nbsp;-AMP Manager Protocol (AMP)<BR></FONT><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;&nbsp;-Enhancements to L2CAP for AMP<BR></FONT><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;&nbsp;-Enhancements to HCI for AMP<BR></FONT><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;&nbsp;-Enhancements to Security for AMP<BR></FONT><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;&nbsp;-802.11 Protocol Adaptation Layer<BR></FONT><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;&nbsp;-Enhanced Power Control<BR></FONT><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;&nbsp;-Unicast Connectionless Data<BR></FONT><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;&nbsp;-HCI Read Encryption Key Size command<BR></FONT><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;&nbsp;-Generic Test Methodology for AMP<BR></FONT><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;&nbsp;-Enhanced USB and SDIO HCI Transports</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;&nbsp;-Errata for v 2.0 + EDR and v2.1 + EDR</FONT></P></TD></TR></TBODY></TABLE></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">Bluetooth3.0의 정식명칭은 (bluetooth Core Specification version 3.0 + High Speed) 무선랜의 MAC</FONT><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">층 및 물리층을 이용하여, </FONT><FONT style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: 굴림">최대 24Mbps(24Mega Bit/sec)의 데이터 전송속도를 실현</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;1> 고속 데이터 전송이 필요할 경우 별도의 기존 무선규격의 MAC층과 물리층을 이용하는 기존&nbsp;</FONT><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">[AMP/Generic Alternate MAC/PHY]</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;2> 전파의 출력을 실시간으로 최적화 시키는 기능 [EPC/Enchanced Power Control]</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; MARGIN-LEFT: 17pt; LINE-HEIGHT: 1.2" b:bd="1"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2"><FONT style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: 굴림">3) 기존 버전과의 차이</FONT></P> <DIV id=Layer1 style="MARGIN-TOP: 9px; Z-INDEX: 1; LEFT: 0px; MARGIN-LEFT: 32px; WIDTH: 13px; POSITION: absolute; HEIGHT: 13px"> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.6" align=center><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 바탕">&nbsp;</FONT></P></DIV> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align=center><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;</FONT> <TABLE style="BORDER-RIGHT: medium none; BORDER-TOP: medium none; BORDER-LEFT: medium none; BORDER-BOTTOM: medium none; BORDER-COLLAPSE: collapse; mso-border-left-alt: solid black 0.25pt; mso-border-top-alt: solid black 0.25pt; mso-border-right-alt: solid black 0.25pt; mso-border-bottom-alt: solid black 0.25pt; mso-padding-alt: 3pt 0pt 3pt 0pt" height=109 cellSpacing=0 cellPadding=0 width=587 border=1> <TBODY> <TR height=109> <TD style="BORDER-RIGHT: black 0.25pt solid; PADDING-RIGHT: 0pt; BORDER-TOP: black 0.25pt solid; PADDING-LEFT: 0pt; PADDING-BOTTOM: 3pt; BORDER-LEFT: black 0.25pt solid; PADDING-TOP: 3pt; BORDER-BOTTOM: black 0.25pt solid" width=587 height=109> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;&nbsp;-802.11 프로토콜 adaptation Layer의 존재<BR></FONT><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;&nbsp;-Protocol Adaption Layer(802.11 PAL)이 HCI층 아래에 추가됨.</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;&nbsp;-PAL(Protocol Adaptation Layer)를 두어, 802.11 &nbsp;</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;&nbsp;&nbsp;(흔히 Wifi 라 부름)의 MAC/PHY를 붙여서 사용 &nbsp;</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;&nbsp;-즉, 단말간의 연결지원을 블루투스를 사용하고, 실제 데이터 전송은 와이파이 네트워크를</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;&nbsp;&nbsp;통해 실행됨</FONT></P></TD></TR></TBODY></TABLE></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; MARGIN-LEFT: 17pt; LINE-HEIGHT: 1.2" b:bd="1"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2"><FONT style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: 굴림">4) Bluetooth 3.0의 사용분야</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; MARGIN-LEFT: 17pt; LINE-HEIGHT: 1.2" b:bd="1"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; MARGIN-LEFT: 17pt; LINE-HEIGHT: 1.2" b:bd="1"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">1) </FONT><FONT style="FONT-SIZE: 10pt; COLOR: red; FONT-FAMILY: 굴림">파일 전송 관련된 Profile등의 제품에 사용될 가능성이 많음</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; MARGIN-LEFT: 34pt; LINE-HEIGHT: 1.2" b:bd="1"><FONT style="FONT-SIZE: 10pt; COLOR: red; FONT-FAMILY: 굴림">(예 : 핸드폰에 있는 사진 100MB를 2.1+EDR을 사용할 경우 5분 정도 걸리지만, </FONT><FONT style="FONT-SIZE: 10pt; COLOR: red; FONT-FAMILY: 굴림">3.0을 사용하면 40초 정도면 됨)</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; MARGIN-LEFT: 17pt; LINE-HEIGHT: 1.2" b:bd="1"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">2) Video Streaming에 대한 서비스 응용</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; MARGIN-LEFT: 17pt; LINE-HEIGHT: 1.2" b:bd="1"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">3) UCD(Unicast Connectionless Data)를 이용한 무선 원격제어 기능에 적용</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 16pt"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;</FONT><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 16pt"><FONT style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: 굴림">블루투스 3.0의 향상된 파일 전송 속도(최대 24Mbps)를 이용하여 특정장소(bluezone-주유소)에 진입한 </FONT><FONT style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: 굴림">고객들의 네비게이션을 블루투스를 이용하여 자동무선 update가 가능하게 하는 서비스를 제공</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 16pt"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;</FONT><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 16pt"><FONT style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: 굴림">5) 기존 네비게이션 업데이트 방식의 문제점</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 16pt" b:bd="1"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">기존 네비게이션의 업데이트 방식은 사용자가 직접 SD메모리카드 등을 이용하여 인터넷을 통해 다운로</FONT><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">드 및 업그레이드를 해야 했음.</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 16pt" b:bd="1"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">이방식은 컴퓨터 사용이 미숙한 사용자나 여성, 노인등의 유저에게는 접근하기 어려운 방식임</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 16pt" b:bd="1"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">이로인해 네비게이션을 구매하고 맵을 오랫동안 업데이트를 하지 않고 그냥 사용하는 유저가 많음</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 16pt" b:bd="1"><FONT size=2></FONT>&nbsp;</P><FONT size=2> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 16pt"><FONT style="FONT-WEIGHT: bold; FONT-SIZE: 16pt; FONT-FAMILY: 굴림">2. BLUEZONE (bluetooth zone) 무선 업데이트 </FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 16pt"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">&nbsp;</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 16pt" b:bd="1"><FONT style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: 굴림">1) 블루투스와 주유소를 이용한 무선 업데이트 방식의 제안</FONT></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 16pt" b:bd="1"><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">주유소에 블루투스 3.0 HUB를 설치하고 설치된 주유소에 들어온 블루투스 3.0 단말 장치를 적용한 네</FONT><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">비게이션이 진입할 경우 자동으로 네비게이션 맵, 지역정보 컨텐츠 등을 업그레이드를 하는 방식을 제</FONT><FONT style="FONT-SIZE: 10pt; FONT-FAMILY: 굴림">안</FONT></P></FONT><FONT size=2> <DIV id=Layer2 style="MARGIN-TOP: 0px; LEFT: 0px; MARGIN-LEFT: 0px; WIDTH: 643px; POSITION: absolute; HEIGHT: 434px"> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2; TEXT-ALIGN: center">&nbsp;</P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2; TEXT-ALIGN: center"><img src="http://cfile230.uf.daum.net/image/175DC7134A6511AB130937" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="642" hspace="1" width="642" vspace="1" border="0" /></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2">&nbsp;</P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2; TEXT-ALIGN: center"><img src="http://cfile217.uf.daum.net/image/185DC7134A6511AB14545A" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="642" hspace="1" width="642" vspace="1" border="0" /></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2">&nbsp;</P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2; TEXT-ALIGN: center"><img src="http://cfile207.uf.daum.net/image/195DC7134A6511AB1552D1" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="642" hspace="1" width="642" vspace="1" border="0" /></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2">&nbsp;</P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2; TEXT-ALIGN: center"><img src="http://cfile223.uf.daum.net/image/205DC7134A6511AB16F8B4" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="642" hspace="1" width="642" vspace="1" border="0" /></P> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2; TEXT-ALIGN: center">&nbsp;</P></DIV> <P style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; LINE-HEIGHT: 1.2"></P></FONT> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: left">라고 여기까지 준비했지만......</P> <P style="TEXT-ALIGN: left">&nbsp;</P> <P style="TEXT-ALIGN: left">&nbsp;</P> <P style="TEXT-ALIGN: left">&nbsp;</P> <P style="TEXT-ALIGN: left">유사제품을 조사하던중...</P> <P style="TEXT-ALIGN: left">&nbsp;</P> <P style="TEXT-ALIGN: left"><img src="http://cfile229.uf.daum.net/image/1847BE114A65122F1ADBB4" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="642" hspace="1" width="642" vspace="1" border="0" /></P> <P style="TEXT-ALIGN: left">&nbsp;</P> <P style="TEXT-ALIGN: left">&nbsp;이미 SK에서 Bluetooth를 활용한 디지털 허브 시스템을 운영중이었던 것... -_-;</P> <P style="TEXT-ALIGN: left">&nbsp;</P> <P style="TEXT-ALIGN: left">아마 Bluetooth 2.1 EDR 을 활용한 BlueZone 을 구성한 것일텐데;;;</P> <P style="TEXT-ALIGN: left">&nbsp;</P> <P style="TEXT-ALIGN: left">역시 SK정도 되어야지 활용가능한 아이디어였다고 생각된다.</P> <P style="TEXT-ALIGN: left">&nbsp;</P> <P style="TEXT-ALIGN: left">&nbsp;</P> <P style="TEXT-ALIGN: left">통신/ 주유/ 네비게이션/ 맵 ... 모든 인프라를&nbsp; 구축한 상태에서.. 활용하는것이니 말이다!!!</P> <P style="TEXT-ALIGN: left">&nbsp;</P> <P style="TEXT-ALIGN: left">다만. 이후 Bluetooth 3.0을 활용하면, 훨씬더 다양한 컨텐츠 다운로드및 활용도 증가가 있을것으로 판단된다.</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> Mobifren GBH-M100p tag:blog.daum.net,2009:nightway78.17966915 knight 2009-07-09T11:56:52Z 2009-07-09T11:56:52Z <P style="TEXT-ALIGN: center"><img src="http://cfile237.uf.daum.net/image/143EB60B4A5EDEAE679ECA" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P style="TEXT-ALIGN: center"><img src="http://cfile231.uf.daum.net/image/153EB60B4A5EDEAE68B537" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile211.uf.daum.net/image/1254E9264A5EE9DF6E82A0" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile218.uf.daum.net/image/153EB60B4A5EDEAF6ADA06" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P style="TEXT-ALIGN: center"><img src="http://cfile211.uf.daum.net/image/153EB60B4A5EDEB06BC603" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P><BR></P> Mobifren GBH-S1200 tag:blog.daum.net,2009:nightway78.17966914 knight 2009-07-08T11:34:49Z 2009-07-08T11:34:49Z <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile207.uf.daum.net/image/1835E6114A5577F447CFB7" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile227.uf.daum.net/image/1935E6114A5577F44842FA" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile209.uf.daum.net/image/1135E6114A5577F5498D1A" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P style="TEXT-ALIGN: center"><img src="http://cfile202.uf.daum.net/image/16164F114A5578586A65D4" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" />&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile226.uf.daum.net/image/1935E6114A5577F54A9AFF" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile231.uf.daum.net/image/190FD8184A56C73F53A1FF" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile232.uf.daum.net/image/1335E6114A5577F74CB093" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile213.uf.daum.net/image/1435E6114A5577F74DE736" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile209.uf.daum.net/image/1535E6114A5577F74EF0A9" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile217.uf.daum.net/image/1735E6114A5577F84F3136" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile239.uf.daum.net/image/1635E6114A5577F8502426" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile227.uf.daum.net/image/1835E6114A5577F95149AF" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile235.uf.daum.net/image/1935E6114A5577F9520169" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile213.uf.daum.net/image/1835E6114A5577FA537326" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P style="TEXT-ALIGN: center">&nbsp;<img src="http://cfile209.uf.daum.net/image/1935E6114A5577FA547924" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> Mobifren S100 Plus tag:blog.daum.net,2009:nightway78.17966913 knight 2009-07-07T17:19:38Z 2009-07-07T17:19:38Z <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile214.uf.daum.net/image/116E05224A53050C2E49E2" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile210.uf.daum.net/image/136E05224A53050D2F6E80" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile204.uf.daum.net/image/126E05224A53050D30D92C" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile219.uf.daum.net/image/146921164A56C8394528B9" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile230.uf.daum.net/image/166E05224A53050F32FAB1" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile209.uf.daum.net/image/203F23114A56CC7C49BBD4" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P style="TEXT-ALIGN: center">&nbsp;&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile221.uf.daum.net/image/206E05224A530513341620" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile223.uf.daum.net/image/16314B114A56CD8848283D" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile204.uf.daum.net/image/17314B114A56CD8849BF1F" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> <P style="TEXT-ALIGN: center">&nbsp;</P> Mobifren GBH-S200 English tag:blog.daum.net,2009:nightway78.17966912 knight 2009-07-02T14:11:32Z 2009-07-02T14:11:32Z <P>&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile206.uf.daum.net/image/20760E244A5BD2FBAB6D1B" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P>&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile201.uf.daum.net/image/12760E244A5BD2FCAC93D0" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P>&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile233.uf.daum.net/image/13760E244A5BD2FCAD73E4" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P>&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile222.uf.daum.net/image/14760E244A5BD2FCAEFFA6" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P>&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile208.uf.daum.net/image/16760E244A5BD2FDAF154E" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P>&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile205.uf.daum.net/image/15760E244A5BD2FDB0AB75" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P>&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile201.uf.daum.net/image/17760E244A5BD2FEB101B8" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P>&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile205.uf.daum.net/image/18760E244A5BD2FEB297B3" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P>&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile231.uf.daum.net/image/19760E244A5BD2FEB373EB" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P>&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile206.uf.daum.net/image/11760E244A5BD2FFB4A6FD" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P>&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile206.uf.daum.net/image/19760E244A5BD300B5A4AF" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P>&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile234.uf.daum.net/image/20760E244A5BD300B66471" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P>&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile219.uf.daum.net/image/11760E244A5BD300B7B679" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P>&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile221.uf.daum.net/image/13760E244A5BD301B8ED9E" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P>&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile206.uf.daum.net/image/15760E244A5BD302B978EC" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P>&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile204.uf.daum.net/image/13760E244A5BD302BA1B64" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="700" hspace="1" width="700" vspace="1" border="0" /></P> <P>&nbsp;</P> Mobifren S1200 tag:blog.daum.net,2009:nightway78.17966910 knight 2009-06-18T14:11:04Z 2009-06-18T14:11:04Z <P>&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile204.uf.daum.net/image/153CB7204A3AF0BE5DED66" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="615" hspace="1" width="615" vspace="1" border="0" /></P> <P>&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile227.uf.daum.net/image/163CB7204A3AF0BE5E2964" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="618" hspace="1" width="618" vspace="1" border="0" /></P> <P>&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile232.uf.daum.net/image/183CB7204A3AF0BF5FECF5" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="618" hspace="1" width="618" vspace="1" border="0" /></P> <P>&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile228.uf.daum.net/image/173CB7204A3AF0BF60634A" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="618" hspace="1" width="618" vspace="1" border="0" /></P> <P>&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile231.uf.daum.net/image/173CB7204A3AF0C061D6E8" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="618" hspace="1" width="618" vspace="1" border="0" /></P> <P>&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile225.uf.daum.net/image/183CB7204A3AF0C0627B93" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="618" hspace="1" width="618" vspace="1" border="0" /></P> <P>&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile219.uf.daum.net/image/193CB7204A3AF0C0631AD6" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="618" hspace="1" width="618" vspace="1" border="0" /></P> <P>&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile204.uf.daum.net/image/113CB7204A3AF0C164760D" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="618" hspace="1" width="618" vspace="1" border="0" /></P> <P>&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile239.uf.daum.net/image/123CB7204A3AF0C1659E19" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="618" hspace="1" width="618" vspace="1" border="0" /></P> <P>&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile237.uf.daum.net/image/133CB7204A3AF0C166CBA5" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="618" hspace="1" width="618" vspace="1" border="0" /></P> <P>&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile215.uf.daum.net/image/153CB7204A3AF0C267EA59" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="618" hspace="1" width="618" vspace="1" border="0" /></P> <P>&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile211.uf.daum.net/image/163CB7204A3AF0C268C8B4" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="618" hspace="1" width="618" vspace="1" border="0" /></P> <P>&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile228.uf.daum.net/image/183CB7204A3AF0C369D13D" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="618" hspace="1" width="618" vspace="1" border="0" /></P> <P>&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile234.uf.daum.net/image/163CB7204A3AF0C36A94E3" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="618" hspace="1" width="618" vspace="1" border="0" /></P> <P>&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile219.uf.daum.net/image/173CB7204A3AF0C36B133E" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="618" hspace="1" width="618" vspace="1" border="0" /></P> <P>&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile233.uf.daum.net/image/193CB7204A3AF0C46C2C32" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="618" hspace="1" width="618" vspace="1" border="0" /></P> <P>&nbsp;</P> <P style="TEXT-ALIGN: center"><img src="http://cfile236.uf.daum.net/image/203CB7204A3AF0C46D16B6" class="tx-daum-image" style="CLEAR: none; FLOAT: none" actualwidth="618" hspace="1" width="618" vspace="1" border="0" /></P> <P>&nbsp;</P> Mobifren S100P tag:blog.daum.net,2009:nightway78.17966909 knight 2009-06-18T14:08:26Z 2009-06-18T14:08:26Z <p></p><p style="text-align: center; "><img src="http://cfile234.uf.daum.net/image/144810164A39CBBC80111E" class="tx-daum-image" hspace="1" vspace="1" border="0" actualwidth="618" width="618" style="clear:none;float:none;margin-left:;margin-right:;" /></p><p></p><p style="text-align: center; "><img src="http://cfile211.uf.daum.net/image/164810164A39CBBD811824" class="tx-daum-image" hspace="1" vspace="1" border="0" actualwidth="618" width="618" style="clear:none;float:none;margin-left:;margin-right:;" /></p><p></p><p style="text-align: center; "><img src="http://cfile233.uf.daum.net/image/174810164A39CBBD821270" class="tx-daum-image" hspace="1" vspace="1" border="0" actualwidth="618" width="618" style="clear:none;float:none;margin-left:;margin-right:;" /></p><p></p><p style="text-align: center; "><img src="http://cfile236.uf.daum.net/image/184810164A39CBBD83FFD9" class="tx-daum-image" hspace="1" vspace="1" border="0" actualwidth="618" width="618" style="clear:none;float:none;margin-left:;margin-right:;" /></p><p></p><p style="text-align: center; "><img src="http://cfile216.uf.daum.net/image/204810164A39CBBE8432CB" class="tx-daum-image" hspace="1" vspace="1" border="0" actualwidth="618" width="618" style="clear:none;float:none;margin-left:;margin-right:;" /></p><p></p><p style="text-align: center; "><img src="http://cfile229.uf.daum.net/image/114810164A39CBBE855907" class="tx-daum-image" hspace="1" vspace="1" border="0" actualwidth="618" width="618" style="clear:none;float:none;margin-left:;margin-right:;" /></p><p></p><p style="text-align: center; "><img src="http://cfile205.uf.daum.net/image/124810164A39CBBE86F756" class="tx-daum-image" hspace="1" vspace="1" border="0" actualwidth="618" width="618" style="clear:none;float:none;margin-left:;margin-right:;" /></p><p></p><p style="text-align: center; "><img src="http://cfile225.uf.daum.net/image/144810164A39CBBF874E92" class="tx-daum-image" hspace="1" vspace="1" border="0" actualwidth="618" width="618" style="clear:none;float:none;margin-left:;margin-right:;" /></p><p></p><p style="text-align: center; "><img src="http://cfile227.uf.daum.net/image/154810164A39CBBF88BFB6" class="tx-daum-image" hspace="1" vspace="1" border="0" actualwidth="618" width="618" style="clear:none;float:none;margin-left:;margin-right:;" /></p><p></p><p style="text-align: center; "><img src="http://cfile234.uf.daum.net/image/154810164A39CBC089F36A" class="tx-daum-image" hspace="1" vspace="1" border="0" actualwidth="618" width="618" style="clear:none;float:none;margin-left:;margin-right:;" /></p><p></p><p style="text-align: center; "><img src="http://cfile202.uf.daum.net/image/134810164A39CBC08AE6E8" class="tx-daum-image" hspace="1" vspace="1" border="0" actualwidth="618" width="618" style="clear:none;float:none;margin-left:;margin-right:;" /></p><p></p><p style="text-align: center; "><img src="http://cfile232.uf.daum.net/image/144810164A39CBC08B82C0" class="tx-daum-image" hspace="1" vspace="1" border="0" actualwidth="618" width="618" style="clear:none;float:none;margin-left:;margin-right:;" /></p><p></p><p style="text-align: center; "><img src="http://cfile205.uf.daum.net/image/164810164A39CBC18C6621" class="tx-daum-image" hspace="1" vspace="1" border="0" actualwidth="618" width="618" style="clear:none;float:none;margin-left:;margin-right:;" /></p><p></p><p style="text-align: center; "><img src="http://cfile229.uf.daum.net/image/174810164A39CBC18DD2D0" class="tx-daum-image" hspace="1" vspace="1" border="0" actualwidth="618" width="618" style="clear:none;float:none;margin-left:;margin-right:;" /></p><p></p><p style="text-align: center; "><img src="http://cfile227.uf.daum.net/image/194810164A39CBC28EA757" class="tx-daum-image" hspace="1" vspace="1" border="0" actualwidth="618" width="618" style="clear:none;float:none;margin-left:;margin-right:;" /></p><p></p><p style="text-align: center; "><img src="http://cfile238.uf.daum.net/image/114810164A39CBC38F2274" class="tx-daum-image" hspace="1" vspace="1" border="0" actualwidth="618" width="618" style="clear:none;float:none;margin-left:;margin-right:;" /></p><p></p><p style="text-align: center; "><img src="http://cfile219.uf.daum.net/image/204810164A39CBC390BAF8" class="tx-daum-image" hspace="1" vspace="1" border="0" actualwidth="618" width="618" style="clear:none;float:none;margin-left:;margin-right:;" /></p><p></p><p style="text-align: center; "><img src="http://cfile236.uf.daum.net/image/114810164A39CBC39133C9" class="tx-daum-image" hspace="1" vspace="1" border="0" actualwidth="618" width="618" style="clear:none;float:none;margin-left:;margin-right:;" /></p><p></p><p style="text-align: center; "><img src="http://cfile236.uf.daum.net/image/134810164A39CBC49297D8" class="tx-daum-image" hspace="1" vspace="1" border="0" actualwidth="618" width="618" style="clear:none;float:none;margin-left:;margin-right:;" /></p><p><br></p>