<![CDATA[
<div><p style="text-align: center"><img src="https://t1.daumcdn.net/cfile/cafe/995439465D93243402" class="txc-image" border="0" id="A_995439465D932434025CB2"/></p><p class="cafe-editor-text">위 내용을 삭제하지 마세요!! <br> (아래 선 아래에 글을 올리세요!!)<br>---------------------------------------</p></div><div class="se-component se-text se-l-default" id="SE-712c2bea-6b1a-4cb5-9ec9-12583386ccd8" style="margin: 0px; padding: 0px; border: 0px; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-stretch: inherit; font-size:12pt; line-height: inherit; font-family: se-nanumgothic, sans-serif; vertical-align: baseline; position: relative; color: rgb(17, 46, 70); background-color: rgb(249, 250, 251);"><div class="se-component-content" style="margin: 0px auto; padding: 0px 40px; border: 0px; font: inherit; vertical-align: baseline; max-width: 100%;"><div class="se-section se-section-text se-l-default" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline;"><div class="se-module se-module-text" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline;"><p class="se-text-paragraph se-text-paragraph-align- " id="SE-3445dbbe-d67a-4413-8e55-ec379a25c940" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff- " id="SE-b4b54626-716f-45ad-9168-8e7de7d325a3" style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 16px; line-height: inherit; vertical-align: baseline;"> <span style="font-size: 11pt;"> 돈과 금융을 주테마로 SNS활동을 해온지 십수년, 좀더 정확한 파악과 전달을 해야겠다는 마음으로 이곳저곳 기웃거리며 찾아보고 공부하며, 생각합니다.</span></span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-4bcbccf7-570a-4a3b-ae85-8fd6d967f717" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff- " id="SE-f145e858-2c02-4be0-9b57-24e59fe6922f" style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; vertical-align: baseline;"> 며칠전, 한은경제통계(ECOS)에서 '예금은행요구불예금회전율'이 주요통화금융지표로 제공된 것을 보고 인터넷 검색을 해봤죠. </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-fa77c12f-3546-49ab-86db-0effc1d3a371" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff- " id="SE-7f04fff8-d464-4ff9-a25a-473f6cf70c8e" style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; vertical-align: baseline;">​</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-fe2417f1-40ef-4734-a60f-ffda4bc6238a" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff- " id="SE-fe6e56dd-9873-463f-9b4e-bc983b6a37d6" style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; vertical-align: baseline;"> "</span><span class="se-fs-fs16 se-ff- " id="SE-78828361-ab11-403f-971f-989121af879a" style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; vertical-align: baseline;">​</span><span class="se-fs-fs16 se-ff-system se-style-unset " id="SE-68db3b41-ac15-4e91-ad66-e6d3f506b2bc" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; font-family: HelveticaNeue, "Helvetica Neue", helvetica, AppleSDGothicNeo, arial, "malgun gothic", "맑은 고딕", sans-serif, Meiryo; vertical-align: baseline; color: rgb(60, 62, 64);">6일 한은에 따르면 올 하반기부터 계속되는 자금난으로 일반 은행 요구불 예금 회전율이 ▲7월 16·5회 ▲8월 17·0회로 크게 는데 이어 ▲9월중에는 17·4회로 더 늘어 사상 최고의 수준을 기록한 것으로 밝혀졌다." (중앙일보 1978.11.06)</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-db6a8c4c-3945-47e8-a537-f97fe99a3c60" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system se-style-unset " id="SE-d86b58ea-18a6-4b6a-ada2-0a7281cabac9" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; font-family: HelveticaNeue, "Helvetica Neue", helvetica, AppleSDGothicNeo, arial, "malgun gothic", "맑은 고딕", sans-serif, Meiryo; vertical-align: baseline; color: rgb(60, 62, 64);"> "</span><span class="se-fs-fs16 se-ff-system se-style-unset " id="SE-3704f795-f1db-4169-9180-462a81e9a6e5" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; font-family: HelveticaNeue, "Helvetica Neue", helvetica, AppleSDGothicNeo, arial, "malgun gothic", "맑은 고딕", sans-serif, Meiryo; vertical-align: baseline; color: rgb(35, 35, 35);">유동성은 넘쳐나지만 시중에 돈이 순환하는 속도는 역대 최저치로 떨어져 기업과 가계가 현금을 쌓아두는 것으로 나타났다. 코로나19 장기화로 경제 불확실성이 증대되면서 경제주체들의 소비와 투자가 위축되고 있기 때문이다. 20일 한국은행 경제통계시스템에 따르면 5월 기준 요구불예금회전율은 15.6회로 통계가 집계된 1985년 이래 월별 회전율로는 역대 최저치를 기록했다."(파이넨셜뉴스 2020.07.20)</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-f0839113-2fea-46da-be8b-c7ce5039d160" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system se-style-unset " id="SE-9a8d0354-2f7d-4b15-bf43-cee72606f434" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; font-family: HelveticaNeue, "Helvetica Neue", helvetica, AppleSDGothicNeo, arial, "malgun gothic", "맑은 고딕", sans-serif, Meiryo; vertical-align: baseline; color: rgb(35, 35, 35);">​</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-734d776a-7cbc-4fcb-830a-5bfb876cc22f" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system se-style-unset " id="SE-d9a20333-0c9a-43ca-b56e-1d279d4c09dc" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; font-family: HelveticaNeue, "Helvetica Neue", helvetica, AppleSDGothicNeo, arial, "malgun gothic", "맑은 고딕", sans-serif, Meiryo; vertical-align: baseline; color: rgb(35, 35, 35);"> 내친김에 미국은 어떠할지 찾아보았습니다. 아래 링크에서 직접 확인해 보시기 바랍니다.</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-496a115b-508f-494d-8d81-0dfdf4378724" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system se-style-unset " id="SE-726014db-f066-448c-bc21-dc4d23c92063" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; font-family: HelveticaNeue, "Helvetica Neue", helvetica, AppleSDGothicNeo, arial, "malgun gothic", "맑은 고딕", sans-serif, Meiryo; vertical-align: baseline; color: rgb(35, 35, 35);"> </span><span class="se-fs- se-ff- " id="SE-b5435224-c893-4c1a-953d-5a213eb2f545" style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 15px; line-height: inherit; vertical-align: baseline;"><a href="https://fred.stlouisfed.org/series/M1V" class="se-link" target="_blank" style="text-decoration-line: underline; margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline; text-decoration-skip-ink: none; word-break: break-all; color: rgb(96, 140, 186) !important;"><span style="font-size: 11pt;">https://fred.stlouisfed.org/series/M1V</span></a></span></p></div></div></div></div><div class="se-component se-oglink se-l-text" id="SE-fe2c891b-3404-4f72-9762-3e3cb72121a6" style="margin: 30px 0px 0px; padding: 0px; border: 0px; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-stretch: inherit; font-size:12pt; line-height: inherit; font-family: se-nanumgothic, sans-serif; vertical-align: baseline; position: relative; color: rgb(17, 46, 70); background-color: rgb(249, 250, 251);"><div class="se-component-content" style="margin: 0px auto; padding: 0px 40px; border: 0px; font: inherit; vertical-align: baseline; max-width: 100%;"><div class="se-section se-section-oglink se-l-text se-section-align-" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline; width: 450px; max-width: 450px;"><div class="se-module se-module-oglink" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline; position: relative; width: 450px; background-color: rgb(255, 255, 255); box-shadow: rgba(0, 0, 0, 0.08) 0px 1px 2px 0px; cursor: pointer;"><a href="https://fred.stlouisfed.org/series/M1V" class="se-oglink-info" target="_blank" style="margin: 0px; padding: 21px 26px 18px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.4; font-family: inherit; vertical-align: baseline; position: relative; display: block; box-sizing: border-box;"><span style="font-size: 11pt;"> </span><div class="se-oglink-info-container" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: middle; display: inline-block; max-width: 100%;"><span class="se-oglink-title" style="white-space: nowrap; overflow-wrap: normal; overflow: hidden; text-overflow: ellipsis; word-break: break-all; display: block; line-height: 15px; font-weight: 700; color: rgb(51, 51, 51); font-size: 11pt;">Velocity of M1 Money Stock</span><p class="se-oglink-summary" style="margin-top: 7px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 13px; line-height: 18px; font-family: inherit; vertical-align: baseline; white-space: nowrap; overflow-wrap: normal; overflow: hidden; text-overflow: ellipsis; word-break: break-all; color: rgb(153, 153, 153);"><span style="font-size: 11pt;">Velocity of M1 Money Stock</span></p><p class="se-oglink-url" style="margin-top: 9px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 13px; line-height: 15px; font-family: inherit; vertical-align: baseline; white-space: nowrap; overflow-wrap: normal; overflow: hidden; text-overflow: ellipsis; word-break: break-all; color: rgb(0, 168, 50);"><span style="font-size: 11pt;">fred.stlouisfed.org</span></p></div></a></div></div></div></div><div class="se-component se-text se-l-default" id="SE-780b93d7-ed3c-4111-b79a-3f84412cb530" style="margin: 30px 0px 0px; padding: 0px; border: 0px; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-stretch: inherit; font-size:12pt; line-height: inherit; font-family: se-nanumgothic, sans-serif; vertical-align: baseline; position: relative; color: rgb(17, 46, 70); background-color: rgb(249, 250, 251);"><div class="se-component-content" style="margin: 0px auto; padding: 0px 40px; border: 0px; font: inherit; vertical-align: baseline; max-width: 100%;"><div class="se-section se-section-text se-l-default" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline;"><div class="se-module se-module-text" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline;"><p class="se-text-paragraph se-text-paragraph-align- " id="SE-a7818b42-53fd-44c8-a6de-85b50b6e7fd1" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system se-style-unset " id="SE-d68439ba-684e-42c9-8ec9-c231b2936812" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; font-family: HelveticaNeue, "Helvetica Neue", helvetica, AppleSDGothicNeo, arial, "malgun gothic", "맑은 고딕", sans-serif, Meiryo; vertical-align: baseline; color: rgb(35, 35, 35);"> 돈의 유통속도를 보여주는 지표인데 미국은 분기단위로 GDP를 통화량으로 나눈 것이고, 우리나라는 행당 예금종목에서 한달동안에 인출된 금액을 기간중의 평균잔고로 나눈 수치입니다.</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-bcb20436-4785-4a34-b63c-a70b510f6a46" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system se-style-unset " id="SE-acee31bb-4355-4415-99a4-77c86d452a29" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; font-family: HelveticaNeue, "Helvetica Neue", helvetica, AppleSDGothicNeo, arial, "malgun gothic", "맑은 고딕", sans-serif, Meiryo; vertical-align: baseline; color: rgb(35, 35, 35);"> 미국은 돈이 얼마나 부지런히 돌아다니며 국민경제에 기여하는지를 보고자한다면 우리나라는 돈이 통장에 들어왔다가 얼마만에 빠져나나는지를 보여주는 지표라고 생각됩니다.</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-f3ff27dc-4c3c-48a3-b376-4529589f06a2" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system se-style-unset " id="SE-a42b35ca-6964-4091-8374-b30887c2aa92" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; font-family: HelveticaNeue, "Helvetica Neue", helvetica, AppleSDGothicNeo, arial, "malgun gothic", "맑은 고딕", sans-serif, Meiryo; vertical-align: baseline; color: rgb(35, 35, 35);"> 좀더 자세히 예금은행 종별예금 각각의 최근자료에서 지난 6월의 평균잔고와 회전율을 표로 정리해 보았습니다.(단위: 조원, 회)</span></p></div></div></div></div><div class="se-component se-table se-l-default" id="SE-d913b660-c6eb-42d7-b6cd-c07c4ae746c5" style="margin: 30px 0px 0px; padding: 0px; border: 0px; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-stretch: inherit; font-size:12pt; line-height: inherit; font-family: se-nanumgothic, sans-serif; vertical-align: baseline; position: relative; color: rgb(17, 46, 70); background-color: rgb(249, 250, 251);"><div class="se-component-content" style="margin: 0px auto; padding: 0px 40px; border: 0px; font: inherit; vertical-align: baseline; max-width: 100%;"><div class="se-section se-section-table se-l-default se-section-align-" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline; width: 693px;"><div class="se-table-container" style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: inherit; font-family: inherit; vertical-align: baseline; position: relative; width: 693px; background-color: transparent; overflow: auto hidden;"><table class="se-table-content" style="margin: 0px; padding: 0px; border-width: 1px 0px 0px 1px; border-style: solid; border-color: rgb(210, 210, 210); border-image: initial; font: inherit; vertical-align: baseline; border-spacing: 0px; width: 693px;"><tbody style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline;"><tr class="se-tr" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline; height: 40px;"><td class="se-cell" colspan="1" rowspan="1" style="margin: 0px; padding: 10px; border-width: 0px 1px 1px 0px; border-style: solid; border-color: rgb(210, 210, 210); border-image: initial; font: inherit; vertical-align: middle; background-color: transparent; box-sizing: border-box; max-width: 0px; width: 86px; height: 43px;"><div class="se-module se-module-text" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline;"><p class="se-text-paragraph se-text-paragraph-align- " id="SE-32fcc7cc-3c68-41e8-9ab8-e4deaf0e9979" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; line-height: 1.6; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs- se-ff- " id="SE-20244b01-8e8d-401f-9ed5-58d02f9ac7e3" style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 15px; line-height: inherit; vertical-align: baseline;"><u style="background-color: inherit;"><span style="font-size: 11pt;">총예금</span></u></span></p></div></td><td class="se-cell" colspan="1" rowspan="1" style="margin: 0px; padding: 10px; border-width: 0px 1px 1px 0px; border-style: solid; border-color: rgb(210, 210, 210); border-image: initial; font: inherit; vertical-align: middle; background-color: transparent; box-sizing: border-box; max-width: 0px; width: 95px; height: 43px;"><div class="se-module se-module-text" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline;"><p class="se-text-paragraph se-text-paragraph-align- " id="SE-a7991589-c398-4401-89b0-d60e9d6d7755" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; line-height: 1.6; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs- se-ff- " id="SE-cbf73786-5f7e-4b94-89c6-bc86345f5f72" style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 15px; line-height: inherit; vertical-align: baseline;"><u style="background-color: inherit;"><span style="font-size: 11pt;">요구불예금</span></u></span></p></div></td><td class="se-cell" colspan="1" rowspan="1" style="margin: 0px; padding: 10px; border-width: 0px 1px 1px 0px; border-style: solid; border-color: rgb(210, 210, 210); border-image: initial; font: inherit; vertical-align: middle; background-color: transparent; box-sizing: border-box; max-width: 0px; width: 81px; height: 43px;"><div class="se-module se-module-text" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline;"><p class="se-text-paragraph se-text-paragraph-align- " id="SE-ed6c1122-cb42-434e-b37e-03efe5606c9e" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; line-height: 1.6; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs- se-ff- " id="SE-823b6d64-cd86-42ec-8777-f4da58ad84d8" style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; vertical-align: baseline;">당좌예금</span></p></div></td><td class="se-cell" colspan="1" rowspan="1" style="margin: 0px; padding: 10px; border-width: 0px 1px 1px 0px; border-style: solid; border-color: rgb(210, 210, 210); border-image: initial; font: inherit; vertical-align: middle; background-color: transparent; box-sizing: border-box; max-width: 0px; width: 103px; height: 43px;"><div class="se-module se-module-text" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline;"><p class="se-text-paragraph se-text-paragraph-align- " id="SE-a7029b28-da1d-443f-a2a1-d102ec2c9d60" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; line-height: 1.6; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs- se-ff- " id="SE-04cadab9-c125-465e-935d-24a6a4934161" style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; vertical-align: baseline;">가계당좌예금</span></p></div></td><td class="se-cell" colspan="1" rowspan="1" style="margin: 0px; padding: 10px; border-width: 0px 1px 1px 0px; border-style: solid; border-color: rgb(210, 210, 210); border-image: initial; font: inherit; vertical-align: middle; background-color: transparent; box-sizing: border-box; max-width: 0px; width: 77px; height: 43px;"><div class="se-module se-module-text" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline;"><p class="se-text-paragraph se-text-paragraph-align- " id="SE-64a4333f-8df9-439a-b62d-e3133807d16f" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; line-height: 1.6; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs- se-ff- " id="SE-56ddb3e0-8462-4916-9f37-66c366676d56" style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; vertical-align: baseline;">보통예금</span></p></div></td><td class="se-cell" colspan="1" rowspan="1" style="margin: 0px; padding: 10px; border-width: 0px 1px 1px 0px; border-style: solid; border-color: rgb(210, 210, 210); border-image: initial; font: inherit; vertical-align: middle; background-color: transparent; box-sizing: border-box; max-width: 0px; width: 82px; height: 43px;"><div class="se-module se-module-text" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline;"><p class="se-text-paragraph se-text-paragraph-align- " id="SE-ebc9c3cf-9836-4ecb-9b3e-0864e181cf06" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; line-height: 1.6; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs- se-ff- " id="SE-23dc8f64-5319-4c93-a8bf-285d493544dc" style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; vertical-align: baseline;">별단예금</span></p></div></td><td class="se-cell" colspan="1" rowspan="1" style="margin: 0px; padding: 10px; border-width: 0px 1px 1px 0px; border-style: solid; border-color: rgb(210, 210, 210); border-image: initial; font: inherit; vertical-align: middle; background-color: transparent; box-sizing: border-box; max-width: 0px; width: 91px; height: 43px;"><div class="se-module se-module-text" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline;"><p class="se-text-paragraph se-text-paragraph-align- " id="SE-516aaa01-5e39-46d8-adef-e2121a6bfe02" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; line-height: 1.6; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs- se-ff- " id="SE-9c4d5328-2524-4f1e-bc4c-62b02a251cf5" style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 15px; line-height: inherit; vertical-align: baseline;"><u style="background-color: inherit;"><span style="font-size: 11pt;">저축성예금</span></u></span></p></div></td><td class="se-cell" colspan="1" rowspan="1" style="margin: 0px; padding: 10px; border-width: 0px 1px 1px 0px; border-style: solid; border-color: rgb(210, 210, 210); border-image: initial; font: inherit; vertical-align: middle; background-color: transparent; box-sizing: border-box; max-width: 0px; width: 77px; height: 43px;"><div class="se-module se-module-text" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline;"><p class="se-text-paragraph se-text-paragraph-align- " id="SE-201754c9-d7b5-4ab6-bc4d-5f5d93c5ec09" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; line-height: 1.6; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs- se-ff- " id="SE-fea2b554-9e38-4f16-a77a-425b4950e9f3" style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; vertical-align: baseline;">정기예금</span></p></div></td></tr><tr class="se-tr" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline; height: 40px;"><td class="se-cell" colspan="1" rowspan="1" style="margin: 0px; padding: 10px; border-width: 0px 1px 1px 0px; border-style: solid; border-color: rgb(210, 210, 210); border-image: initial; font: inherit; vertical-align: middle; background-color: transparent; box-sizing: border-box; max-width: 0px; width: 86px; height: 43px;"><div class="se-module se-module-text" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline;"><p class="se-text-paragraph se-text-paragraph-align- " id="SE-e7fe80ce-8fb3-4cda-9a4a-bbdc15b5f7d1" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; line-height: 1.6; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs- se-ff- " id="SE-cbe2f7ba-a361-4d7f-a7ca-4d73c11f4793" style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; vertical-align: baseline;">1604.4</span></p></div></td><td class="se-cell" colspan="1" rowspan="1" style="margin: 0px; padding: 10px; border-width: 0px 1px 1px 0px; border-style: solid; border-color: rgb(210, 210, 210); border-image: initial; font: inherit; vertical-align: middle; background-color: transparent; box-sizing: border-box; max-width: 0px; width: 95px; height: 43px;"><div class="se-module se-module-text" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline;"><p class="se-text-paragraph se-text-paragraph-align- " id="SE-cb58a380-2252-470f-a7bf-9b11b76faf09" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; line-height: 1.6; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs- se-ff- " id="SE-74ce7fe2-bdb4-4109-bb74-abd40cf8ea1a" style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; vertical-align: baseline;"> 262.3</span></p></div></td><td class="se-cell" colspan="1" rowspan="1" style="margin: 0px; padding: 10px; border-width: 0px 1px 1px 0px; border-style: solid; border-color: rgb(210, 210, 210); border-image: initial; font: inherit; vertical-align: middle; background-color: transparent; box-sizing: border-box; max-width: 0px; width: 81px; height: 43px;"><div class="se-module se-module-text" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline;"><p class="se-text-paragraph se-text-paragraph-align- " id="SE-531023bc-96cc-4149-95b3-a52e23edb846" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; line-height: 1.6; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs- se-ff- " id="SE-913b16f1-660d-4bdb-b07d-cc8f8405a1e1" style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; vertical-align: baseline;"> 3.9</span></p></div></td><td class="se-cell" colspan="1" rowspan="1" style="margin: 0px; padding: 10px; border-width: 0px 1px 1px 0px; border-style: solid; border-color: rgb(210, 210, 210); border-image: initial; font: inherit; vertical-align: middle; background-color: transparent; box-sizing: border-box; max-width: 0px; width: 103px; height: 43px;"><div class="se-module se-module-text" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline;"><p class="se-text-paragraph se-text-paragraph-align- " id="SE-04660647-b2b0-4e6d-bc82-5623a26db045" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; line-height: 1.6; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs- se-ff- " id="SE-9f606b68-8d2c-427f-9580-3458043a58e7" style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; vertical-align: baseline;"> 1.1</span></p></div></td><td class="se-cell" colspan="1" rowspan="1" style="margin: 0px; padding: 10px; border-width: 0px 1px 1px 0px; border-style: solid; border-color: rgb(210, 210, 210); border-image: initial; font: inherit; vertical-align: middle; background-color: transparent; box-sizing: border-box; max-width: 0px; width: 77px; height: 43px;"><div class="se-module se-module-text" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline;"><p class="se-text-paragraph se-text-paragraph-align- " id="SE-4b0d1c60-0e5b-4d4f-a0ab-eaf39d4bfc66" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; line-height: 1.6; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs- se-ff- " id="SE-8630cdef-66a1-4ecb-b528-21f07106cc7a" style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; vertical-align: baseline;"> 201.2</span></p></div></td><td class="se-cell" colspan="1" rowspan="1" style="margin: 0px; padding: 10px; border-width: 0px 1px 1px 0px; border-style: solid; border-color: rgb(210, 210, 210); border-image: initial; font: inherit; vertical-align: middle; background-color: transparent; box-sizing: border-box; max-width: 0px; width: 82px; height: 43px;"><div class="se-module se-module-text" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline;"><p class="se-text-paragraph se-text-paragraph-align- " id="SE-0929f221-2be7-4b01-8bf0-ab6fd3b35e69" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; line-height: 1.6; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs- se-ff- " id="SE-5778d9a6-9b46-4c4f-9b42-27dd7c8c4ed7" style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; vertical-align: baseline;"> 26.1</span></p></div></td><td class="se-cell" colspan="1" rowspan="1" style="margin: 0px; padding: 10px; border-width: 0px 1px 1px 0px; border-style: solid; border-color: rgb(210, 210, 210); border-image: initial; font: inherit; vertical-align: middle; background-color: transparent; box-sizing: border-box; max-width: 0px; width: 91px; height: 43px;"><div class="se-module se-module-text" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline;"><p class="se-text-paragraph se-text-paragraph-align- " id="SE-12f51af4-e508-4f65-be8b-a4213558e6ea" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; line-height: 1.6; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs- se-ff- " id="SE-5842c1ad-eac2-4075-95c2-80834b9e08c2" style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; vertical-align: baseline;"> 1342.1</span></p></div></td><td class="se-cell" colspan="1" rowspan="1" style="margin: 0px; padding: 10px; border-width: 0px 1px 1px 0px; border-style: solid; border-color: rgb(210, 210, 210); border-image: initial; font: inherit; vertical-align: middle; background-color: transparent; box-sizing: border-box; max-width: 0px; width: 77px; height: 43px;"><div class="se-module se-module-text" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline;"><p class="se-text-paragraph se-text-paragraph-align- " id="SE-b5b5bfed-7fd0-4024-aed2-812b093559f7" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; line-height: 1.6; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs- se-ff- " id="SE-86ea21ad-4534-4bbc-8edb-c05137bb5943" style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; vertical-align: baseline;"> 747.8</span></p></div></td></tr><tr class="se-tr" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline; height: 40px;"><td class="se-cell" colspan="1" rowspan="1" style="margin: 0px; padding: 10px; border-width: 0px 1px 1px 0px; border-style: solid; border-color: rgb(210, 210, 210); border-image: initial; font: inherit; vertical-align: middle; background-color: transparent; box-sizing: border-box; max-width: 0px; width: 86px; height: 43px;"><div class="se-module se-module-text" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline;"><p class="se-text-paragraph se-text-paragraph-align- " id="SE-12e70294-d93f-43c2-933f-2d293a42a93a" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; line-height: 1.6; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs- se-ff- " id="SE-7e66cf1c-cd51-4dd9-aeb6-0c27ded7c73b" style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; vertical-align: baseline;"> 4.0</span></p></div></td><td class="se-cell" colspan="1" rowspan="1" style="margin: 0px; padding: 10px; border-width: 0px 1px 1px 0px; border-style: solid; border-color: rgb(210, 210, 210); border-image: initial; font: inherit; vertical-align: middle; background-color: transparent; box-sizing: border-box; max-width: 0px; width: 95px; height: 43px;"><div class="se-module se-module-text" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline;"><p class="se-text-paragraph se-text-paragraph-align- " id="SE-9399c5ea-2c96-44ef-9aec-5a9494ac5a30" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; line-height: 1.6; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs- se-ff- " id="SE-ade2bca9-7fbb-4c83-a536-6cfb4fd68112" style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; vertical-align: baseline;"> 18.5</span></p></div></td><td class="se-cell" colspan="1" rowspan="1" style="margin: 0px; padding: 10px; border-width: 0px 1px 1px 0px; border-style: solid; border-color: rgb(210, 210, 210); border-image: initial; font: inherit; vertical-align: middle; background-color: transparent; box-sizing: border-box; max-width: 0px; width: 81px; height: 43px;"><div class="se-module se-module-text" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline;"><p class="se-text-paragraph se-text-paragraph-align- " id="SE-02fb1549-15a8-4fc2-a64d-e84db73b4258" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; line-height: 1.6; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs- se-ff- " id="SE-08fd711a-1caf-49df-841d-22e98774e59f" style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; vertical-align: baseline;"> 664.9</span></p></div></td><td class="se-cell" colspan="1" rowspan="1" style="margin: 0px; padding: 10px; border-width: 0px 1px 1px 0px; border-style: solid; border-color: rgb(210, 210, 210); border-image: initial; font: inherit; vertical-align: middle; background-color: transparent; box-sizing: border-box; max-width: 0px; width: 103px; height: 43px;"><div class="se-module se-module-text" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline;"><p class="se-text-paragraph se-text-paragraph-align- " id="SE-d8fce3cf-168f-48e4-ae50-9a2033f7384d" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; line-height: 1.6; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs- se-ff- " id="SE-129aff1d-20f1-4fd8-a710-3f51b6dbb297" style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; vertical-align: baseline;"> 1.6</span></p></div></td><td class="se-cell" colspan="1" rowspan="1" style="margin: 0px; padding: 10px; border-width: 0px 1px 1px 0px; border-style: solid; border-color: rgb(210, 210, 210); border-image: initial; font: inherit; vertical-align: middle; background-color: transparent; box-sizing: border-box; max-width: 0px; width: 77px; height: 43px;"><div class="se-module se-module-text" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline;"><p class="se-text-paragraph se-text-paragraph-align- " id="SE-54aa9891-d507-49a5-8881-aaa0166c4710" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; line-height: 1.6; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs- se-ff- " id="SE-bd2f6032-d84f-4e34-85fd-7f96529034a3" style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; vertical-align: baseline;"> 10.1</span></p></div></td><td class="se-cell" colspan="1" rowspan="1" style="margin: 0px; padding: 10px; border-width: 0px 1px 1px 0px; border-style: solid; border-color: rgb(210, 210, 210); border-image: initial; font: inherit; vertical-align: middle; background-color: transparent; box-sizing: border-box; max-width: 0px; width: 82px; height: 43px;"><div class="se-module se-module-text" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline;"><p class="se-text-paragraph se-text-paragraph-align- " id="SE-8113393b-9ea2-4bb9-9f5c-9a4ab5fccb17" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; line-height: 1.6; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs- se-ff- " id="SE-1c8842ca-b30f-4e1b-acd5-b38dcc2a1a8c" style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; vertical-align: baseline;"> 3.1</span></p></div></td><td class="se-cell" colspan="1" rowspan="1" style="margin: 0px; padding: 10px; border-width: 0px 1px 1px 0px; border-style: solid; border-color: rgb(210, 210, 210); border-image: initial; font: inherit; vertical-align: middle; background-color: transparent; box-sizing: border-box; max-width: 0px; width: 91px; height: 43px;"><div class="se-module se-module-text" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline;"><p class="se-text-paragraph se-text-paragraph-align- " id="SE-498d99c9-ce1f-46e5-8e7e-f7c4aa945148" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; line-height: 1.6; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs- se-ff- " id="SE-b2dfbba9-ea7a-497c-9077-2d81d14837ca" style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; vertical-align: baseline;"> 1.3</span></p></div></td><td class="se-cell" colspan="1" rowspan="1" style="margin: 0px; padding: 10px; border-width: 0px 1px 1px 0px; border-style: solid; border-color: rgb(210, 210, 210); border-image: initial; font: inherit; vertical-align: middle; background-color: transparent; box-sizing: border-box; max-width: 0px; width: 77px; height: 43px;"><div class="se-module se-module-text" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline;"><p class="se-text-paragraph se-text-paragraph-align- " id="SE-6c9667d2-6606-47ea-a019-4d745c302a2b" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; line-height: 1.6; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs- se-ff- " id="SE-b7b99860-b02a-4dc3-8b19-a4ed64e8084a" style="margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; vertical-align: baseline;"> 0.1</span></p></div></td></tr></tbody></table></div></div></div></div><div class="se-component se-text se-l-default" id="SE-5cc35521-ac7e-4064-8241-14ddbb3300cb" style="margin: 30px 0px 0px; padding: 0px; border: 0px; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-stretch: inherit; font-size:12pt; line-height: inherit; font-family: se-nanumgothic, sans-serif; vertical-align: baseline; position: relative; color: rgb(17, 46, 70); background-color: rgb(249, 250, 251);"><div class="se-component-content" style="margin: 0px auto; padding: 0px 40px; border: 0px; font: inherit; vertical-align: baseline; max-width: 100%;"><div class="se-section se-section-text se-l-default" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline;"><div class="se-module se-module-text" style="margin: 0px; padding: 0px; border: 0px; font: inherit; vertical-align: baseline;"><p class="se-text-paragraph se-text-paragraph-align- " id="SE-ad81c182-310e-43ba-8705-c80898758917" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system se-style-unset " id="SE-944231b8-6b44-4ffc-ba35-9da232406dfc" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; font-family: HelveticaNeue, "Helvetica Neue", helvetica, AppleSDGothicNeo, arial, "malgun gothic", "맑은 고딕", sans-serif, Meiryo; vertical-align: baseline; color: rgb(35, 35, 35);"> 표에서 읽을 수 있는 것은 기업들의 현금통장인 당좌예금은 잔고는 적고, 회전율은 엄청 높습니다. 개별통장별로는 마이너스 잔고도 다수 존재할 터. 돈은 입금된 즉시 다른 곳으로 옮겨진다는 의미. 또한 정기예금 통장에서는 748조원의 잔고에서 75조원 정도가 6월중에 인출되었다는 것. 만기든 중도 해지든....</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-fb56823f-b2aa-4492-8a2e-0d3f9919cbe3" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system se-style-unset " id="SE-03ac6b8d-5f18-40dd-8888-4bf2e16f76e5" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; font-family: HelveticaNeue, "Helvetica Neue", helvetica, AppleSDGothicNeo, arial, "malgun gothic", "맑은 고딕", sans-serif, Meiryo; vertical-align: baseline; color: rgb(35, 35, 35);"> 자기앞수표 발행잔액인 별단예금의 회전율이 3.1에 불과한 것은 자기앞수표를 받아서 평균 10일정도는 지갑속에 넣어둔다는 것으로 해석되는 바, 제가 10년전에 "자기앞수표의 비밀"에서 평균 5일만에 지급제시된다고 보았던 것에 비추어 큰 변화입니다. </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-ac23aece-496e-4d94-a507-c37f47f5275b" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system se-style-unset " id="SE-6f1a1779-2f3d-4d1a-ae31-0657669d3bed" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; font-family: HelveticaNeue, "Helvetica Neue", helvetica, AppleSDGothicNeo, arial, "malgun gothic", "맑은 고딕", sans-serif, Meiryo; vertical-align: baseline; color: rgb(35, 35, 35);">​</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-93097f90-4394-4fba-8866-c18d75fca4b4" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system se-style-unset " id="SE-92b35591-34c5-4440-89b3-a0e1ea89b06c" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; font-family: HelveticaNeue, "Helvetica Neue", helvetica, AppleSDGothicNeo, arial, "malgun gothic", "맑은 고딕", sans-serif, Meiryo; vertical-align: baseline; color: rgb(35, 35, 35);"> 여기서 제가 독자 여러분께 꼭 강조하고싶은 사실이 하나 있습니다. </span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-5908fe05-48bf-462f-bf6e-b6664b0d95af" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system se-style-unset " id="SE-653f84a0-760f-418a-8da5-7dd6eada5eb8" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; font-family: HelveticaNeue, "Helvetica Neue", helvetica, AppleSDGothicNeo, arial, "malgun gothic", "맑은 고딕", sans-serif, Meiryo; vertical-align: baseline; color: rgb(35, 35, 35);"> 위 표에서 예금잔고 1600조원을 우리는 '뼈빠지게 일하고 아껴서 예금한 우리 돈'으로 이해하지만 은행들과 경제학자들은 그건 몽땅 '은행이 만들어 빌려준 돈'으로 본다는 사실입니다.</span></p><p class="se-text-paragraph se-text-paragraph-align- " id="SE-66742fdd-7098-463a-8a37-0bd310c51a13" style="border: 0px; font-style: inherit; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 0px; line-height: 1.8; font-family: inherit; vertical-align: baseline; word-break: break-word; overflow-wrap: break-word; white-space: pre-wrap;"><span class="se-fs-fs16 se-ff-system se-style-unset " id="SE-a1454a43-50e5-4de3-baf5-07dc5b7ddd5e" style="margin: 0px; padding: 0px; border: 0px; font-variant: inherit; font-weight: inherit; font-stretch: inherit; font-size: 11pt; line-height: inherit; font-family: HelveticaNeue, "Helvetica Neue", helvetica, AppleSDGothicNeo, arial, "malgun gothic", "맑은 고딕", sans-serif, Meiryo; vertical-align: baseline; color: rgb(35, 35, 35);"> 이 엄청난 인식의 격차를 어떻게 극복해야할지 저와 함께 더 깊이 고민하고 연구하는 분의 친구맺기와 기탄없는 댓글을 기대합니다.</span></p></div></div></div></div><p><br></p>
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카페 게시글
자유 게시판
요구불예금회전율 ㅡ 그 정확한 의미는?
영감
추천 1
조회 502
20.09.01 07:26
댓글 3
북마크 번역하기 공유하기 기능 더보기
다음검색
첫댓글 국민들 세금제도을 없애고 토지는 사용료을 또는 허가제로 해서국가에서 받도록하고 은행은 국가에서 운영을 해야한다 국민들 돈은 은행으로 몰리도록 하고 공산주의적 사상 투기방지을 위해 토지는 국가재산으로 국가의 운영자금은 국민들 세금이 아니라 은행 자금으로 운영을 해야한다 나라가 존재하는것은 독립국가가 하는 일은 외세가 들어와 민족과 나라을 희석시키고 망하게 하는 외세는 막고 역사와 전통을 살리면서 세계로 나아가면서 나라을 지키고 국민들을 골고루 잘살게 하는것을 목적으로해야한다
잘 읽었습니다.
일단 금융기관에서 사용하는 용어부터 정비해서 통화증발인지...저축이나 소득계정인지 부터 구분해야 되지않을까요?
너무 단순한 생각이겠지만.,
계정간 돈의 이동 등도 해당계정內 별도로 표기토록 하구요~
그래야 재정정책효과든 통화정책 효과등을 제대로 평가할 수 있지않을까요?
돈만 있으면 뭐든지 할수있는 가진만큼 유리해지는 타락되어버린 물질적인 문명의 말세......
애초에 돈이라는것이 필요한가? 자연에 베어지는 나무를 생각해보아라!
그리고 야생에 살고있는 생명들을 보아라!!!