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2023-73 2023. 12. 31. , . 2023 11 27 1. : 2023. 11. 27. 2023. 12. 11.(15) 2. : , 3. : () 4. : 2024. 1. 1. ~ 2027. 12. 31.( 4) 5. : (, ) 6. 38( ) 48( ) 2() 8( ) 7. : ( ) 8. () () () 9. . : , , , : ( -) . : 2023. 12. 12. ~ 2023. 12. 13.(2), 10:00~17:00 : () : 8( 1, 7) : , - , , , , , (, , , ) 10. : 1, 2, 11. , , 5 12. - 1 ( ) , , 13. (2023 12) , , , 14. , (, ) 1 15. , ( ) , ( ) , , , : ( 041-840-5022) 1. 2. 3. 4. 5. () 6. () 7. () < 1> . 1. 2( ) 2. . 1. (25) . (8) (4) - 3(Moody's, S&P, Fitch) , (4) - 3(, NICE, ) . (17) (6) (6) (3) (2) 2. (20) . (10) 1 . (10) (, ) 3. (25) . (10) . (15) (1) 15 1 16 4. (24) . (8) , . (8) ( ) , , . (8) 5. (6) . (3) : 3 . (3) : (4) , < 2> 100 1. 25 . 8 - (1 4.0, 2 3.5, 3 3.0, 2.5) (4) - (1 4.0, 2 3.5, 3 3.0, 2.5) (4) . 17 - () (1 6.0, 2 5.5, 3 5.0, 4.5) (6) - ()() (1 6.0, 2 5.5, 3 5.0, 4.5) (6) - () (1 3.0, 2 2.5, 3 2.0, 1.5) (3) - () (1 2.0, 2 1.5, 3 1.0, 0.5) (2) 2. 20 . (1 10.0, 2 9.5, 3 9.0, 8.5) (10) . (CMA, MMDA ) (1 10.0, 2 9.5, 3 9.0, 8.5) (10) 3. 25 . ( 2 10.0, 1 9.0, 5.0) (10) . ( 15.0, 7.0) (1) 15 1 16 (15) 4. 24 . (1 8.0, 2 7.0, 3 6.0, 5.0) (8) . (1 8.0, 2 7.0, 3 6.0, 5.0) (8) . (1 8.0, 2 7.0, 3 6.0, 5.0) (8) 5. 6 . (1 3.0, 2 2.0, 3 1.0, 0.5) (3) . (1 3.0, 2 2.0, 3 1.0, 0.5) (3) < 3> 1 , A4(A4 A4 ), , 14, , ( ) , ( ) , , ( ) , , ( 2 ) (-1) , . 3(2020 11 ~ 2023 11 ) , , < 4> 1. 2. A4, 3. , , 8( 1, 7) 4. () ( ) 5. , , , 6. 5 () 7. , , 8. < 5> 77 102 . : 8( 1, 7) 2023. 12. . () < 6> . , , . 1. ( ) 2. (, , ) (2023. 11. , , ) ()( ) (2023. 11. ) () (1%) (%) (2020, 2021, 2022) 3. . 1. . Moody's S&P Fitch - 3(Moody's, S&P, Fitch) - 2023 11 , () - - (3) - 3(, , ) - 2023 11 , () - - (3) ( ) . ( : %) 2020 2021 2022 2023 (11) - 4 (2020~2023 11) - ( ) - ( ) 2. . ( : %) 1 3 3 6 6 (A+B) (A) (B) - + - COFIX() - COFIX (, ) - - ( ) . ( : %) (A+B) (A) (B) (CMA, MMDA ) - + - COFIX( ) - COFIX ( , ) - - ( ) 3. . 2 1 ( ) . ( ) 4. . ( ) - ( ) - . () ) 1 ),(3) ) () 1 ),(5) - 4 - 4 1 2 1 - 1 2 (, , ) 1 - . ( ) (ISO) () - ( ) 2 () 2022 ) 1 2022.7.14.~2022.12.26 2023 ) 1 2023.1.14.~2023. 6.30 - 5. . 1) , ( : ) - - , , - ( ) - ( ) ( : ) - , . ( : ) - < 7> 1. , () , , . 2. , . 3. () , . 4. . 2023. 12. . () () ( ) . 2023. 12. . : ()

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- 9 - 2. - 11 - [ 2003-12-17] () 2004-11-30 () 2005-04-02 () 2005-06-17 () 2006-03-30 () 2007-02-14 () 2007-04-27 () 2007-06-28 () 2007-08-22 () 2008-03-28 () 2008-12-02 () 2010-02-24 () 2011-09-09 () 2012-12-26 () 2014.-01-10 () 2014-12-16 () 2016-02-02 () 2016-03-17 () 2016-12-27 () 2017-12-28 () 2018-10-02 () 2019-04-15 () 2020-08-05 () 2022-08-10 () 2022-11-08 () 2023-11-20 () 2024-05-17 1 1() , . 2() ( ) . 3( ) 103 . 4() 1 . < 2017.12.28.> 1. 2. 3. < 2024.05.17.> 1 - 12 - 4. 5. 6. 7. 8. 9. 5() . 1 ( ) . 6( ) . , . . 2 7( ) . . < 2017.12.28.> 1. , , 2. , , 3. . 8( ) . < 2017.12.28.> 9( ) 2. - 13 - . 1 . 10( ) , , , . 11() . 12( ) ( ) . < 2017.12.28.> 3 . 2 , , . 13( ) . , . . 14( ) . 15() 1 . 3 16( ) . < 2017.12.28., 2020.08.05.> 1. 1 2. 1 3. 15 (, , 1 ) 4. 2 . , 2 1 - 14 - 1 . 17() . < 2018.10.02., 2022.08.10.> . < 2017.12.28., 2023.11.20.> . < 2023.11.20.> . < 2017.12.28., 2018.10.02., 2022.11.08.,2023.11.20.> 1. 2. 3. 2 1 ( ) , 1 . < 2023.11.20.> . < 2023.11.20.> 1. 2. 3. 2 . 18( ) 777 3 1 . < 2016. 02.02.> 1 . . 1. 2.4 3.9 12 2. - 15 - 4. 6 5. 6.355 356 300 2 7. 2 8. 142 2 9. 10. 201 2 11. ( ) 2 3 . 19( ) 2 1 . , 173 . 2 17 7 , 6 . , . < 2023.11.20.> 20( ) . < 2019.04.15.> 1. 2. 3. 4. 175 1 1 - 16 - . . 21( ) . , . < 2019.04.15.> 1. 175 2. 50% 3. . 2 5 2 1 . 4. . < 2016.02.02.> 1. 2. , 212( ) . 1. 11 2. 11 < 2019.04.15.> 22( ) . , . . 2. - 17 - . . 1. 2. 3. 1 2 4. 3 5. 222( ) .< 2022.11.08.> 4 23( ) . . 24( ) . 1. 2. 3. 4. , 5. 6. 7. 8. 25( ) . 3 . 20 . 1 - 18 - 1. 2. 22 5 4 7 . , . 7 . 222 . 26( ) , . 27( ) . 1. 2. 28( ) 3 2 , . 29() . 30() 1 . . < 2016.02.02., 2016.12.27., 2017.12.28.> 5 31( ) . , . < 2016.02.02., 2016.12.27., 2017.12.28.> 2. - 19 - , , , , . 32( , ) . 33(, , ) , . . 34( ) . . 35() , 15 . . 36 < 2016.02.02.> 37() . . 6 38( ) . 39() . 1 - 20 - . 40() , , , . < 2024.05.17.> 41( ) . 42() ( ) . 43() . 1 () , . . [ 1] < 2017. 12. 28.> <2024.05.17.> 1() 2( ) 558 . 5911, 106 . 2. - 21 - [1] . . 10 , . . 21, 513, 723 , 121 1, 152, 191, 4114, 4 , 5 . . , 21 11, 32, 614, 8 1 3, 95, 1113, 122 , 141 3, 152, 171, 19 14, 211 2, 23161 , 2321 3, 241 12 3, 251 3 . 23, 5, 91 4, 21351, 7, 8, 9 . 2151 . 211, 91 2, 192 4, 211 252, 234 5, 2321, 241 2, 9 . 215 527 . . [] .

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2024. 4. 22. () (), ENG() (TEL) 041-840-5072 (www.chungnam.go.kr) ` . 20 - , - 4 22() . ( ) 20 1 . 4 19 4 30 , , , , , , , , , . , , , . 20 . 20 , . . (TEL) 041-840-5072

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