3.02 이슈정리 2

https://news.naver.com/main/read.naver?mode=LSD&mid=shm&sid1=101&oid=015&aid=0004668782
美, 러시아 스위프트 축출 이어 보유 암호화폐도 제재 검토

https://news.naver.com/main/read.naver?mode=LSD&mid=shm&sid1=101&oid=421&aid=0005937975
러시아 매집으로 비트코인 15% 폭등, 4만3000달러도 돌파(상보)

https://news.naver.com/main/read.naver?mode=LSD&mid=shm&sid1=101&oid=015&aid=0004669195
반도체 호황인데…중소형 팹리스, 무더기 적자
- 전 세계 반도체 매출 규모 5385억달러 but 국내 중소형 팹리스는 지난해 적자를 지속하거나 적자로 전환 
- 국내 중소형 팹리스가 반도체 호황에서 소외된 것은 '규모의 경제' 때문, '영세한 데다 제품 및 고개 다변화가 안 돼 있는 경우가 많아'
- 파운드리는 팹리스가 설계한 전력반도체(PMIC), 디스플레이구동칩(DDI), 마이크로컨트롤러유닛(MCU) 등 반도체를 위탁 생산하는 기업 

https://news.naver.com/main/read.naver?mode=LSD&mid=shm&sid1=101&oid=005&aid=0001508804
[단독] 국내 코인거래소, 27% 비싸게 수수료 ‘바가지’
- 거래대금 기준 상위 50곳의 해외 암호화폐 거래소 평균 거래 수수료 0.133%
- 국내 거래소 24곳의 평균 수수료율은 0.17%
- 최고 수수료 조건에 해당하는 고객의 경우 국내 거래소(0.30%)가 해외 거래소(0.75%)에 비해 저렴, 다만 최고 수수료율은 멕시코 페소, 인도 루피같이 제3세계 화폐를 이용하는 경우 등에서 주로 나타남

https://n.news.naver.com/article/138/0002119801?type=main
“위성인터넷 ‘스타링크’ 고맙지만 러시아 공습 타깃될 것” IT전문가 강력 경고…왜?

https://n.news.naver.com/article/138/0002119749?type=main
[코인대선] 누가 되든 ICO 허용, 국내 가상자산 시장 향방은?
- IEO : 가상자산거래소 공개, 신규 발행 코인을 거래소를 통해 첫 판매하는 것을 말함 
- ICO 공약 통과?, 현재 국내 기업들이 발행한 '김치코인'들은 서류상 싱가포르 법인이 발행한 코인, 세금이나 경제 활성화, 고용 창출 등 경제적 효과가 모두 해외로 빠져나감

https://n.news.naver.com/article/138/0002119791
IBM “아시아·제조업이 위험하다··· 사이버공격 대상 1위”
- 아시아가 가장 많이 공격을 받아 26%!

https://www.hankyung.com/realestate/article/2022030166431
용인 수지 리모델링 '순항'…삼성1차 조합 설립

https://www.hankyung.com/economy/article/2022030167181
원유의존 1위·수출주도 경제…한국, 글로벌 인플레에 유독 취약
- 한국 경제의 원유 의존도가 OECD 회원국 중 가장 높다는 보고서, 하루 원유 소비량 국내총생산(GDP) 1만달러당 5.70배럴
- 정유 및 철강, 석유화학 관련 산업이 한국 경제에서 차지하는 비중이 크기 때문, 올해 유가가 100달러 선까지 오르면 전년 대비 원가 상승률은 정유 23.50%, 철강 5.26%, 석유화학 4.82%에 이를 것으로 전망
- 원가 상승을 판매가격에 전가하기 힘듬, 세계시장 경쟁이 치열하기 때문 
- 곡물 가격 급등세도 한국에 더 불리하게 작용, 세계에서 일곱 번째로 많은 곡물을 수입, 자급률은 25.5%에 달함, 밀과 콩, 옥수수 등 3대 곡물의 수입 비중이 95.0%에 이르러 OECD 중 최하위권이다. 
- 주요 선진국에 비해 지나치게 낮은 대기업 비율이 물가 상승기에 경제 안정성을 떨어뜨림, 미국과 독일은 전체 기업의 25%가 대기업, 주력 산업도 다변화, 한국은 대기업 비율이 1%에 불과 중소기업을 중심으로 생산성과 가격 협상력이 낮아 대외 충격에 취약 

https://www.hankyung.com/international/article/202203016136i
골드만삭스가 점치는 푸틴 대통령 물러날 가능성
- 우크라이나 사태로 푸틴 대통령이 권력을 잃을 확률 5~10%, 푸틴 대통령이 하야하거나 탄핵당할 경우 미국 S&P500 지수는 10% 상승 

https://www.hankyung.com/society/article/2022030166771
"가구당 2000만원 지원" 파격 혜택…절박한 지자체 '초강수'

https://www.hankyung.com/economy/article/202202284791g
"가는 편의점마다 품절"…3040에 인기폭발, 무슨 제품이길래

https://www.hankyung.com/economy/article/202202284791g
"가는 편의점마다 품절"…3040에 인기폭발, 무슨 제품이길래
- 포켓몬빵
- 오리온 와클 재출시, 썬, KFC '치르르치킨'

https://www.hankyung.com/it/article/2022030166801
"코로나 심하게 앓을수록 재감염 위험 감소" 연구결과 나왔다

https://www.hankyung.com/economy/article/202202283353i
달러 조달선 막힌 러시아…실효성 떨어지는 대응수단 [김익환의 외환·금융 워치]
- 중국 결제망인 CIPS를 활용해 위기에 대응할 것이라는 분석, CIPS의 위안화의 국제 결제 비중이 2%에 머무르는 상황에서 실효성 논란 불붙어

https://www.hankyung.com/international/article/202203015870i
방어력 센 도요타 대신 협력사 공격…日 제조업 전체가 떤다 [정영효의 일본산업 분석]
- 일본 제조업의 공급망 체계가 강력한 사이버 보안 체계를 갖춘 대기업 대신 협력업체를 노리는 수법에 속수무책
- 도요타 일본내 14개 공장의 28개 조립라인 가동을 전면 중단, 하루 가동 중단으로 1만3000대의 차량 생산 차질 
- 부품 공급업체인 고지마프레스공업의 시스템 장애가 원인, 고지마프레스공업은 금속, 플라스틱, 전자부품을 생산하는 도요타의 1차 협력업체 
- 러시아의 우크라이나 침공과 관련해 일본 기업에 대한 사이버 공격이 급증, 사이버 공격에 대한 강력한 방어체계를 갖춘 대기업을 피해 방어 체계가 느슨한 해외 지사나 협력업체를 노리는 수법이 일반화 
- 일본의 중간재 수입의존도는 15% 넘음, 미국과 유럽은 10% 안팎의 의존도를 유지
- 한국, 중국, 대만, 동남아시아 등으로부터 수입하는 비중이 2018년 38%로 크게 늘음, 자동차 산업의 수입 의존도가 특히 높음 

https://www.hankyung.com/finance/article/202203015743i
러시아 제재 본격화... 유럽 스태그플레이션 우려 
- 미국은 러시아 중앙은행과 국부펀드, 러시아 재무부와의 거래를 전면 차단, 중립국인 스위스는 블라디미르 푸틴 대통령을 포함한 러시아 고위 인사들의 자국 내 자산을 동결 

https://www.hankyung.com/finance/article/2022030166971
러시아·우크라이나 매출 비중 높은 필립모리스·펩시코·맥도날드 '투자 주의'

https://www.hankyung.com/finance/article/2022030158475
카카오·네이버도 '휘청'…"10곳 중 4곳은 최저가 신세"

https://www.hankyung.com/economy/article/2022030161731
사회 초년생의 종잣돈 마련전략
1. 연금저축,개인종합자산관리계좌(ISA), 개인형 퇴직연금(IRP) 등 절세 상품에도 관심, 연금저축과 IRP는 연간 납입액 700만원 한도로 세액공제 혜택을 줌
- ISA : ISA 가입자는 한 해 2000만원씩 최대 1억원까지 납입할 수 있음, 의무납입 기간은 3년, 이 기간이 경과하면 비과세 및 분리과세 혜택을 받을 수 있음, 중개형 ISA에 가입하면 국내 상장주식에 직접 투자할 수 있어 인기 높아
- 향후 주담보대출이나 신용대출에서 우대를 받을 수 있도록 주거래은행을 설정하는 것도 중요 
- 청년희망적금 
- 여윳돈을 주식, 암호화폐 등 위험자산에 투자할 때는 전체 포트폴리오에서 현금성 자산을 최소 30% 이상 확보할 것 
- 첫 신용카드는 가맹점과 업종을 가리지 않고 할인이나 적립 혜택을 주는 '무조건 카드'가 적합
- 보험 상품은 성인용 보험보다 비용이 저렴한 어린이 보험도 추천

https://www.hankyung.com/international/article/2022030166317
[속보] 러 매체 "현대차, 이달 1~5일 러시아 공장 운영 중단"

https://www.hankyung.com/economy/article/2022022724031
아버지 10억 집, 아들 6억5000만원 집과 맞바꿨더니…
- '물물교환', 가족끼리 소유권을 맞바꿔 증여하는 등의 방식, 양도소득세 등은 줄일 수 있지만 취득세와 각종 비용 등이 발생
- 자식에게 자산을 물려줄 때 가액이 차이 나는 주택끼리 교환하는 '저가 교환' 역시 차익 3억5000만원까지는 증여세 없이 집을 물려줄 수 있어 최근 주택 시장에서 주목 
- 가족 간 집을 교환할 때 차액의 3억원, 혹은 시가의 30% 중 적은 금액은 증여세 과세 대상에서 제외 
- 주택을 교환하는 행위는 기존 주택을 파는 동시에 새로운 주택을 취득하는 것이어서 양도세를 내지 않더라도 취득세는 내야 한다는 점 

https://www.hankyung.com/economy/article/202203016511i
'소상공인 300만·청년 100만원'…문재인 정부, 대선 전 돈 풀기

https://www.hankyung.com/economy/article/2022030168031
스텔란티스·GM 제치고…현대차그룹, 세계 4위 올라섰다
- 기존 '빅4' 제너럴모터스(GM), 도요타, 폭스바겐, 르노닛산미쓰비시
- 푸조시트로엥 + 피아트크라이슬러 = 스텔란티스 
- 글로벌 자동차 업체는 판매 감소로 고전한 반면 현대차, 기아만 증가, 스텔란티스, GM 제쳐 
- 반도체 공급난에 잘 대처, 탄탄한 내수 시장, 미국과 유럽 등 글로벌 핵심 시장에서 차량의 인기가 높아진 결과 
- 과거에는 '가성비'위주였다면 최근에는 성능과 디자인이 뛰어난 차라는 평가가 강해짐

https://www.hankyung.com/economy/article/2022030168021
현대차 다음 타깃은 전기차 1% 미만 일본…아이오닉 5·넥쏘 출격
- 지난달 25일 일본 시장에서 차량 공유 플랫폼 애니카를 통해 아이오닉 5, 넥쏘의 차량 공유 서비스 시작, 전기차가 익숙하지 않은 일본 소비자에게 체험 기회를 주고 구매 욕구를 일으키려는 전략 
- 일본 정부가 올해 전기차 보조금을 최대 80만엔으로 지난해보다 두 배 늘린 만큼 판매가 증가할 것으로 예상 

https://www.hankyung.com/economy/article/2022030167661
한은 "고령화로 2035년까지 가계소비 해마다 0.7% 감소"

https://www.hankyung.com/economy/article/2022030167501
예적금 금리 역전 된 저축은행
- 저측은행 정기예금 금리 > 적금, 대부분의 금융회사들이 충성도 높은 고객 유치를 위해 정기예금보다 매달 꼬박꼬박 붓는 적금 금리를 높게 유지, 저축은행들은 시중금리 급등에 따른 유동성 관리를 수신 비중이 높은 정기예금 위주로 대응 
- 수신조달의 90% 이상을 정기예금에 의존하는 곳이 대부분, 정기예금은 0.1% 포인트의 금리 변동에도 수백~수천억원의 돈이 빠져나가고 들어오지만 정기적금은 그만큼 민감도 높지 않아 
- 시중은행에선 여전히 적금이 예금보다 금리가 높음

https://www.hankyung.com/economy/article/2022030167441
한국조선해양, 글로벌 新전략은 '로컬·로열티'
- 사우디아라비아, 러시아 등 주요 발주국에 건설되고 있는 대규모 조선소를 견제하기보다는 합작을 통해 파트너로 끌어들이고 기술을 이전해 로열티(사용료)를 받는 플랫폼 기업으로 성장 
- 최근 선박 발주국들은 '로컬 콘텐츠'를 강하게 요구하는 추세, 선박이나 플랜트 등을 발주할 때 생산 과정에서 자국 제품 및 서비스를 일정 비율 이상 이용하는 조건을 내걸어 
--> 로열티, 압도적인 우위를 지닌 친환경 차세대 선박 분야는 중국, 일본 등 경쟁국 기업과 초격차를 유지

https://www.hankyung.com/economy/article/20220301671711월 물가상승률 3.6%라지만…실제론 더 심각한 인플레
- 미국은 전체 물가 통계에서 주거비가 차지하는 비중이 32%, 대부분의 선진국도 20% 안팎의 비중으로 주거비를 물가에 반영, 한국은 주거비 비율이 10%
- 인건비 상승폭 역시 제대로 반영되지 않고 있음, 배달비 등이 물가 통계에 포함되지 않아 체감하는 것에 비해 명목 임금 상승률이 낮게 나타나고 있음 

https://www.hankyung.com/economy/article/202203016558Y
[우크라 침공] 美 러 수출통제 FDPR 예외대상서 한국은 빠져…기업들 이중피해
- FDPR(해외직접제품규제) : 미국 밖의 외국기업이 만든 제품이라도 미국이 통제 대상으로 정한 소프트웨어, 설계를 사용했을 경우 수출을 금지할 수 있도록 한 제재조항
--> 전자(반도체), 컴퓨터, 정보통신신기술, 보안, 센서 레이저, 해양, 항법 항공전자, 항공우주 등 7개 분야에 관한 세부 기술 전부가 해당 
- 당장 한국 기업은 FDPR 적용 대상인 제품을 러시아로 수출할 경우 미 상무부에 사전 허가를 받아야 함 
- 우리나라 기업의 현지 공장 생산 제품에 쓰이는 관련 부품들까지 고려하면 피해는 더 클 것 
- 한국 제조업의 경쟁국이기도 한 미국의 주요 우방국이 빠짐없이 FDPR 예외 적용을 받는다는 것 
- FDPR 적용 예외를 위해서는 이들 품목에 대해 한국이 스스로 미국과 같은 수준의 수출통제를 하는 조치가 선행 

https://www.hankyung.com/economy/article/2022030167191
한은, 연내 기준금리 2~3회 올릴 듯
- 시장에선 한은이 올해 기준금리를 최대 세 차례 인상해 연 2.0%로 높일 것 
- Fed가 이달 기준금리를 0.25%포인트 높일 것, 우크라이나 전쟁으로 금리 인상폭 조정 
- 유럽중앙은행(ECB)과 일본은행도 올해 기준금리 인상 가능성 낮아 

https://www.hankyung.com/economy/article/2022030161801
20대도 '어린이 보험' 들 수 있다…성인용보다 20% 싸

https://www.hankyung.com/economy/article/202203016073Y
[우크라 침공] 국내 LPG 공급 가격 ㎏당 60원 인상
- 사우디아라비아 국영석유회사인 아람코가 정한 국제 LPG 계약가격(CP, Contact Price)을 기반으로 환율과 각종 세금, 유통 비용 등을 반영하여 매월 공급 가격을 정함