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"url": "https://www.bbc.com/news/articles/czre7pl600go?at_medium=RSS&at_campaign=rss",
"description": "The health firm backed by actor Idris Elba and broadcaster Jonathan Ross is being bought by Danone for €1bn (£860m).",
"age": "16시간 전",
"source": "www.bbc.com"
},
{
"title": "'We can't justify a £52 lunch': Middle-income families cut back on days out",
"url": "https://www.bbc.com/news/articles/ckg3g11z6d8o?at_medium=RSS&at_campaign=rss",
"description": "A household with an average gross income of £55,000 has cut spending on leisure activities by £40 a week, offical figures suggest.",
"age": "17시간 전",
"source": "www.bbc.com"
}
],
"Guardian_비즈니스": [
{
"title": "Brent crude oil back over $100 a barrel as optimism over Middle East de-escalation fades – business live",
"url": "https://www.theguardian.com/business/live/2026/mar/24/brent-crude-oil-100-dollars-a-barrel-middle-east-iran-stock-markets-economic-growth-latest-news-updates",
"description": "Rolling coverage of the latest economic and financial newsMiddle East crisis live: Iran dismisses Trump claim of talks; von der Leyen says global energy situation is ‘critical’Britain’s stock market has opened higher this morning, as investors try to keep yesterday’s Iran relief rally running.The FT",
"age": "방금 전",
"source": "www.theguardian.com"
},
{
"title": "Irish metals refinery is in supply chain that feeds Russian war machine, records suggest",
"url": "https://www.theguardian.com/world/2026/mar/24/irish-metals-refinery-is-in-supply-chain-that-feeds-russian-war-machine-records-suggest",
"description": "Shipments to Russian smelters from Aughinish Alumina have increased sharply since the invasion of UkraineA leading Irish metals refinery is part of an international aluminium supply chain that appears to conclude with shipments to arms producers feeding the Kremlin’s war machine in Ukraine, leaked r",
"age": "3시간 전",
"source": "www.theguardian.com"
},
{
"title": "UK vets face crackdown over fees as pet owners ‘left in the dark’ on bills",
"url": "https://www.theguardian.com/business/2026/mar/24/uk-vets-fees-pet-owners-bills-price-lists-prescription-fees",
"description": "Practices must publish price lists, cap prescription fees and reveal if they are part of a large group, watchdog saysBusiness live – latest updatesThe UK’s competition watchdog has ordered vets to cap prescription fees at £21 and proposed a price comparison website, after finding consumers had faced",
"age": "방금 전",
"source": "www.theguardian.com"
},
{
"title": "English and Welsh winemakers report sharp rise in production in 2025",
"url": "https://www.theguardian.com/business/2026/mar/24/english-and-welsh-winemakers-report-sharp-rise-in-production-in-2025",
"description": "The hot, dry summer and an increase in vineyard planting resulted in the third-largest UK grape harvestEnglish and Welsh winemakers have reported a sharp rise in production, after the hot, dry summer in 2025 and an increase in vineyard planting resulted in the third-largest UK harvest.The equivalent",
"age": "8시간 전",
"source": "www.theguardian.com"
},
{
"title": "Ministers rebuff trade body’s call to boost North Sea oil and gas production",
"url": "https://www.theguardian.com/business/2026/mar/24/ministers-rebuff-call-north-sea-oil-gas-production-offshore-energies-uk",
"description": "Government emphasises need to ‘get off the rollercoaster of fossil fuel markets’ in response to Offshore Energies UKThe UK government has dismissed a warning from an energy trade body that failing to produce more homegrown North Sea oil and gas will leave the UK increasingly reliant on imports at a ",
"age": "8시간 전",
"source": "www.theguardian.com"
},
{
"title": "Bets on US-Iran ceasefire show signs of insider knowledge, say experts",
"url": "https://www.theguardian.com/us-news/2026/mar/23/bets-us-iran-ceasefire-show-signs-of-insider-knowledge-say-experts-polymarket",
"description": "New online accounts on Polymarket platform betting a total of $70,000 suggest ‘some degree of inside info’Middle East crisis – live updatesSeveral accounts on the online platform Polymarket laid bets on a US-Iran ceasefire over the weekend that appeared to show signs of insider knowledge, according ",
"age": "12시간 전",
"source": "www.theguardian.com"
},
{
"title": "Ministers delay new rules for low-carbon housing in England",
"url": "https://www.theguardian.com/environment/2026/mar/24/ministers-delay-new-rules-for-low-carbon-housing-in-england",
"description": "Homes built from March 2028 will produce 75% less greenhouse gas emissions than those built to 2013 standardBuyers of new homes are likely to be shackled to high gas prices for years to come, as the government has delayed bringing into force new regulations on low-carbon housing.Most newly built hom",
"age": "8시간 전",
"source": "www.theguardian.com"
},
{
"title": "UK mortgage interest rates expected to rise despite Trump’s Iran pause",
"url": "https://www.theguardian.com/business/2026/mar/23/uk-mortgage-interest-rates-markets-bank-of-england-iran-war",
"description": "Bank of England likely to make two quarter-point increases amid sustained rise in inflation, investors believeBusiness live – latest updates‘Trumpflation’: how the Iran war’s economic storm could affect BritonsHomeowners’ choice of mortgage deals has shrunk and interest rates on home loans are expec",
"age": "18시간 전",
"source": "www.theguardian.com"
},
{
"title": "Ministers tell HS2 to consider slower train speeds to cut costs",
"url": "https://www.theguardian.com/uk-news/2026/mar/23/ministers-tell-hs2-to-consider-slower-train-speeds-to-cut-costs",
"description": "Company will assess whether drop to 186mph from 224mph will save money and help bring forward launchMinisters have told High Speed Two to consider running its trains at lower speeds, in an attempt to rein in the spiralling budget and begin operations as soon as possible.HS2 Ltd will assess whether l",
"age": "14시간 전",
"source": "www.theguardian.com"
},
{
"title": "The UK sleepwalked into this energy price shock | Nils Pratley",
"url": "https://www.theguardian.com/business/nils-pratley-on-finance/2026/mar/23/the-uk-sleepwalked-into-this-energy-price-shock",
"description": "Many of the decisions predate this government but the notion that Britain was better prepared for this crisis is fanciful“Because of the choices we made before the conflict in the Middle East began, we are better prepared for a more volatile world”, the chief secretary to the Treasury, James Murray,",
"age": "12시간 전",
"source": "www.theguardian.com"
},
{
"title": "Trump’s ‘very good’ talks with Iran buy him time with oil and energy markets",
"url": "https://www.theguardian.com/world/2026/mar/24/trumps-very-good-talks-with-iran-buy-him-time-with-oil-and-energy-markets",
"description": "Tehran denied negotiations that delayed US strikes and Trump was vague on the details, but talks signal renewed push for peace from regional powersMiddle East crisis – live updatesThere have been so many abortive rounds of diplomacy between the US and Iran – the latest appearing to be led by Pakista",
"age": "8시간 전",
"source": "www.theguardian.com"
},
{
"title": "A war and maybe an unprecedented depression: it’s Trump’s mania, but now all of us will pay the price | Polly Toynbee",
"url": "https://www.theguardian.com/commentisfree/2026/mar/23/war-unprecedented-depression-trump-mania-iran",
"description": "It had been possible to observe this presidency in abstract terms, but no more. The consequences of the Iran attack will affect our lives and our politicsNothing has changed. Yet. But we stand on the edge of inevitable economic cataclysm, such as not seen in our lifetimes. It’s an odd, hold-your-bre",
"age": "14시간 전",
"source": "www.theguardian.com"
}
],
"Yahoo_Finance": [
{
"title": "Viemed Healthcare Highlights Growth, Diversification and 2026 Guidance at Investor Conference",
"url": "https://finance.yahoo.com/sectors/healthcare/articles/viemed-healthcare-highlights-growth-diversification-210252334.html",
"description": "",
"age": "",
"source": "finance.yahoo.com"
},
{
"title": "Peter Thiel is betting big on a $2B AI cow collar startup powered by cowgorithms — and investors are fighting to get in",
"url": "https://finance.yahoo.com/sectors/technology/articles/peter-thiel-betting-big-2b-222000722.html",
"description": "",
"age": "",
"source": "finance.yahoo.com"
},
{
"title": "CNOOC Names Huang Yongzhang as Chief Executive Officer",
"url": "https://finance.yahoo.com/sectors/energy/articles/cnooc-names-huang-yongzhang-chief-015939219.html",
"description": "",
"age": "",
"source": "finance.yahoo.com"
},
{
"title": "Stocks rally and oil sinks after Trump hints at a possible end to war, even as Iran denies talks",
"url": "https://finance.yahoo.com/markets/world-indices/articles/south-koreas-kospi-down-5-020310134.html",
"description": "",
"age": "",
"source": "finance.yahoo.com"
},
{
"title": "Dow Jones Futures, Oil Prices Waver After Trump Threats To 'Obliterate' Iran's Power Plants",
"url": "https://www.investors.com/market-trend/stock-market-today/dow-jones-futures-oil-prices-yields-trump-iran-war-winding-down/?src=A00220&yptr=yahoo",
"description": "",
"age": "",
"source": "www.investors.com"
},
{
"title": "Why I'm Buying ServiceNow Stock While Everyone Else Is Panicking About AI Disruption",
"url": "https://finance.yahoo.com/markets/stocks/articles/why-im-buying-servicenow-stock-205000586.html",
"description": "",
"age": "",
"source": "finance.yahoo.com"
},
{
"title": "Baker Hughes Undergoes an AI Makeover",
"url": "https://finance.yahoo.com/sectors/energy/articles/baker-hughes-undergoes-ai-makeover-040100856.html",
"description": "",
"age": "",
"source": "finance.yahoo.com"
},
{
"title": "QQQ Gets an Equal Weight Buddy",
"url": "https://finance.yahoo.com/markets/stocks/articles/qqq-gets-equal-weight-buddy-040100634.html",
"description": "",
"age": "",
"source": "finance.yahoo.com"
},
{
"title": "Vanguard Finally Files for Junk Bond ETF Nearly Two Decades Later",
"url": "https://finance.yahoo.com/markets/options/articles/vanguard-finally-files-junk-bond-040200206.html",
"description": "",
"age": "",
"source": "finance.yahoo.com"
},
{
"title": "Dimensional Launches First Active ETF Share Class",
"url": "https://finance.yahoo.com/markets/stocks/articles/dimensional-launches-first-active-etf-040300027.html",
"description": "",
"age": "",
"source": "finance.yahoo.com"
},
{
"title": "Beyond Meat (BYND) Will Report Q4 Earnings Tomorrow: Options Market Prices in a Massive 35% Earnings Explosion",
"url": "https://finance.yahoo.com/markets/options/articles/beyond-meat-bynd-q4-earnings-211500678.html",
"description": "",
"age": "",
"source": "finance.yahoo.com"
},
{
"title": "Sinopec Profit Slumps in 2025 as Oil Prices and Chemicals Weigh",
"url": "https://finance.yahoo.com/sectors/energy/articles/sinopec-profit-slumps-2025-oil-043738720.html",
"description": "",
"age": "",
"source": "finance.yahoo.com"
}
],
"CNBC_경제": [
{
"title": "Apollo gives investors only 45% of requested withdrawals from $15 billion private credit fund",
"url": "https://www.cnbc.com/2026/03/23/apollo-private-credit-fund-gives-investors-only-45percent-of-requested-withdrawals.html",
"description": "The withdrawals show that Apollo didn't avoid the rush of investor redemptions plaguing rivals, driven by concern over private credit loans to software firms.",
"age": "7시간 전",
"source": "www.cnbc.com"
},
{
"title": "Jeffrey Gundlach says it's a ‘going nowhere’ market, warns of private credit strains",
"url": "https://www.cnbc.com/2026/03/23/jeffrey-gundlach-says-its-a-going-nowhere-market-warns-of-private-credit-strains.html",
"description": "His comments come as investors increasingly scrutinize pockets of the private credit market, particularly funds exposed to riskier borrowers.",
"age": "9시간 전",
"source": "www.cnbc.com"
},
{
"title": "Stocks making the biggest moves midday: Palantir, Flutter, United Airlines, Synopsys, Insmed & more",
"url": "https://www.cnbc.com/2026/03/23/stocks-making-biggest-midday-moves-pltr-flut-ual-snps-insm.html",
"description": "These are some of the stocks posting the largest moves at midday.",
"age": "14시간 전",
"source": "www.cnbc.com"
},
{
"title": "Volume in stock and oil futures surged minutes before Trump's market-turning post",
"url": "https://www.cnbc.com/2026/03/23/volume-in-stock-and-oil-futures-surged-minutes-before-trumps-market-turning-post.html",
"description": "The timing of the earlier volume spikes — across both equities and crude — caught the attention of traders.",
"age": "10시간 전",
"source": "www.cnbc.com"
},
{
"title": "BlackRock’s Larry Fink warns against market timing, says missing best days can halve returns",
"url": "https://www.cnbc.com/2026/03/23/blackrocks-larry-fink-warns-against-trying-to-time-the-market-.html",
"description": "BlackRock CEO Larry Fink said staying invested through periods of turmoil has historically delivered far stronger returns.",
"age": "18시간 전",
"source": "www.cnbc.com"
},
{
"title": "U.S. executives, from Apple to Eli Lilly, revamp their push into the world's second-largest economy at the China Development Forum",
"url": "https://www.cnbc.com/2026/03/23/apple-eli-lilly-us-china-market-push-trade-truce.html",
"description": "More than 80 global executives traveled to Beijing this weekend for the state-organized China Development Forum.",
"age": "17시간 전",
"source": "www.cnbc.com"
},
{
"title": "Fed's Goolsbee says he's worried about inflation in 'fraught but intense' climate",
"url": "https://www.cnbc.com/2026/03/23/feds-goolsbee-says-hes-worried-about-inflation-in-fraught-but-intense-climate.html",
"description": "In a CNBC interview, the central banker said policymaking is difficult in the current environment.",
"age": "15시간 전",
"source": "www.cnbc.com"
},
{
"title": "Stocks making the biggest moves premarket: Delta Air Lines, Carnival, Chevron & more",
"url": "https://www.cnbc.com/2026/03/23/stocks-making-the-biggest-moves-premarket-dal-ccl-cvx.html",
"description": "These are the stocks posting the largest moves premarket.",
"age": "19시간 전",
"source": "www.cnbc.com"
}
],
"Bloomberg_시장경제": [
{
"title": "Stock Market Today: Dow, S&P Live Updates for March 24 - Bloomberg",
"url": "https://bloomberg.com/news/articles/2026-03-23/stock-market-today-dow-s-p-live-updates",
"description": "A rally in equities eased, crude oil jumped and gold extended its slump as fragile optimism around a potential de-escalation in Middle East tensions gave way to renewed caution.",
"age": "10 hours ago",
"source": "bloomberg.com"
},
{
"title": "UK Studies Wider Ways to Help Economy on Iran, Starmer Says - Bloomberg",
"url": "https://www.bloomberg.com/news/articles/2026-03-23/uk-studies-wider-ways-to-help-economy-on-iran-starmer-says",
"description": "UK prime minister Keir Starmer said he is looking at wider measures to support Britain’s economy through the Iran crisis as he prepares to chair an emergency meeting on the economic impact of the conflict.",
"age": "17 hours ago",
"source": "www.bloomberg.com"
},
{
"title": "Why Are Young People Taking So Many Unwise Financial Risks? - Bloomberg",
"url": "https://www.bloomberg.com/opinion/articles/2026-03-23/why-are-young-people-taking-so-many-unwise-financial-risks",
"description": "There are at least two conflicting narratives about Gen Z and young millennials. One is that they are extremely risk averse — afraid even to go out of the house, much less on a date. Another is that they are extremely risk inclined — always betting on sports or speculating on exotic assets.",
"age": "1 day ago",
"source": "www.bloomberg.com"
},
{
"title": "Sheinbaum Allies Rush for Private Infrastructure Investment as Economy Sputters - Bloomberg",
"url": "https://www.bloomberg.com/news/articles/2026-03-23/sheinbaum-allies-rush-for-private-infrastructure-investment-as-economy-sputters",
"description": "President Claudia Sheinbaum’s allies in congress are in a hurry to lure more private investment by speeding up project approvals, clear-eyed that public spending alone isn’t sufficient to boost lackluster growth in Latin America’s second-biggest economy.",
"age": "14 hours ago",
"source": "www.bloomberg.com"
},
{
"title": "Wall Street Chips Away at LBO Junk-Debt Pile as Nexstar Wraps Up - Bloomberg",
"url": "https://bloomberg.com/news/articles/2026-03-23/wall-street-chips-away-at-lbo-junk-debt-pile-as-nexstar-wraps-up",
"description": "Wall Street is facing the most volatile markets in months as it looks to offload billions of dollars of junk debt to fund buyouts. After some key changes, including a delay, one for Nexstar Media Group Inc. just got over the line.",
"age": "10 hours ago",
"source": "bloomberg.com"
},
{
"title": "How Investors Can Cope With TACO Whiplash - Bloomberg",
"url": "https://www.bloomberg.com/news/newsletters/2026-03-23/how-investors-can-cope-with-taco-whiplash",
"description": "Markets are at the mercy of Iran war newsflow. How can individual investors protect themselves?",
"age": "18 hours ago",
"source": "www.bloomberg.com"
},
{
"title": "UK Economy: Trending News, Latest Updates, Analysis",
"url": "https://bloomberg.com/latest/uk-economy",
"description": "See the latest on UK Economy. From breaking news to in-depth reporting, Bloomberg tracks the full story in real time.",
"age": "1 day ago",
"source": "bloomberg.com"
},
{
"title": "The Mood in Markets Is Sell First, Ask Questions Later - Bloomberg",
"url": "https://bloomberg.com/news/newsletters/2026-03-23/the-mood-in-markets-is-sell-first-ask-questions-later",
"description": "Yields are climbing everywhere as traders price in higher inflation.",
"age": "1 day ago",
"source": "bloomberg.com"
},
{
"title": "Light at End of the Tunnel for China’s Property Slump - Bloomberg",
"url": "https://www.bloomberg.com/news/newsletters/2026-03-23/light-at-end-of-the-tunnel-for-china-s-property-slump",
"description": "Bloomberg Economics reckons China’s property slump could bottom out in 2027",
"age": "1 day ago",
"source": "www.bloomberg.com"
},
{
"title": "India’s Economy Has Strength to Withstand External Shocks, RBI Says - Bloomberg",
"url": "https://www.bloomberg.com/news/articles/2026-03-23/india-s-economy-strong-enough-to-face-external-shocks-rbi-says",
"description": "India’s foreign exchange reserves and strong economic fundamentals will help cushion against external shocks and increased volatility in the global markets, the Reserve Bank of India said Monday.",
"age": "20 hours ago",
"source": "www.bloomberg.com"
},
{
"title": "Bloom Energy slides as valuation concerns linger and possible index-related flows hit the stock | Quiver Quantitative",
"url": "https://quiverquant.com/news/Bloom+Energy+slides+as+valuation+concerns+linger+and+possible+index-related+flows+hit+the+stock",
"description": "Bloom Energy Corporation (BE) is down 4.8% today. Here is some analysis on what might have caused this price movement.Analysis: The move looks consistent with a pullback after a sharp run-up, with investors still digesting recent valuation-focused downgrades and questions about how quickly ...",
"age": "15 hours ago",
"source": "quiverquant.com"
}
],
"Bloomberg_지정학국제": []
}
},
"news_data": {
"timestamp": "2026-03-24T08:16:17.812520",
"date": "2026-03-24",
"keyword_news": {
"코스피": [
{
"title": "[증시-마감] 기대만 못 한 'TACO'…코스피 2.74% 오른 5,553.92 | - 연합인포맥스",
"link": "https://news.google.com/rss/articles/CBMidEFVX3lxTFBJQzAzQlZwRDdXOWg1SVdiQTEwVGdKLVBhbnJZZzA4QnJQYjRfRVZtSXpXNzVJWVo3bUpxYkZ5Y25FRmw0S19RUUNGMjBuOEZQaXRUZmZuMmViLXNZaDFGZkR4THZoZWtVbnhza3pkY1J4YUhJ?oc=5",
"published": "Tue, 24 Mar 2026 07:14:36 GMT",
"summary": "[증시-마감] 기대만 못 한 'TACO'…코스피 2.74% 오른 5,553.92 | 연합인포맥스",
"source": "\"코스피 when:2h\" - Google 뉴스"
},
{
"title": "[증시 인사이트] 국내증시 동반 상승 마감…코스피 5500선 회복 - v.daum.net",
"link": "https://news.google.com/rss/articles/CBMiT0FVX3lxTE5EZjFTdlVaOXVWc1FkcGZFenc5X2RVc0R2TVN3bVFKRDdHMkRVV3ZwYTAxLUZ2d0NpbWxYZXhzZ3JDUHVuVmVhREp4NHpHcjA?oc=5",
"published": "Tue, 24 Mar 2026 07:40:18 GMT",
"summary": "[증시 인사이트] 국내증시 동반 상승 마감…코스피 5500선 회복 v.daum.net",
"source": "\"코스피 when:2h\" - Google 뉴스"
},
{
"title": "코스피, 2.74% 상승한 5553.92 마감...'2차전지·화학' 강세 - 글로벌이코노믹",
"link": "https://news.google.com/rss/articles/CBMiiAFBVV95cUxPSFQ3Wnl5MEloNHNISi1ScDBkT1RVMU96NVFyTjVuek4wNEc0dFVQQVMyVzhLZXpCemNHOGtQVnJGd3FpSWJMZlpMNURWdDJSRGRvZkloRUhWRGlZNUZvRVFvUF9VeFA1cl9JajAyOXhxUUxKTlNYNGhOQk45LVZpUFdjcnc4Ry0w?oc=5",
"published": "Tue, 24 Mar 2026 06:47:44 GMT",
"summary": "코스피, 2.74% 상승한 5553.92 마감...'2차전지·화학' 강세 글로벌이코노믹",
"source": "\"코스피 when:2h\" - Google 뉴스"
},
{
"title": "코스피 5,500선 회복...환율 1,500원 아래로 - BBS불교방송",
"link": "https://news.google.com/rss/articles/CBMia0FVX3lxTE02VkJNY21tMUJFZ0xJdkwwbEZ6Yzk1emdWWFNtV2JyVzF4WFN5eG5UcDBwaFQ1ZDJPbTBCQS1xMC1FZFNGV1JuSXR0Wlo5OUtUOThDUHl6T0VNN25wdWI3ZGRTUDQ0dExxdkxZ?oc=5",
"published": "Tue, 24 Mar 2026 07:21:11 GMT",
"summary": "코스피 5,500선 회복...환율 1,500원 아래로 BBS불교방송",
"source": "\"코스피 when:2h\" - Google 뉴스"
},
{
"title": "코스피 5500선 회복…급등락 장세에 올해 사이드카 벌써 10회 - 전자신문",
"link": "https://news.google.com/rss/articles/CBMiTkFVX3lxTE9BdGMzUlZEVjhPRHlQaDlib1Nlb21RREtRQ0wzamdXaFp2RXNqb1E0ZnI3UXh0UWNrZTgtVnBiQV9rQ3JNNjVXeGxvR2Jidw?oc=5",
"published": "Tue, 24 Mar 2026 07:05:37 GMT",
"summary": "코스피 5500선 회복…급등락 장세에 올해 사이드카 벌써 10회 전자신문",
"source": "\"코스피 when:2h\" - Google 뉴스"
}
],
"코스닥": [
{
"title": "‘코스닥사 주가조작’ 전 증권사 직원·기업인 구속기소 - KBS 뉴스",
"link": "https://news.google.com/rss/articles/CBMiW0FVX3lxTFB2dTdweGNjekQzNVZ0MWRKNnZ2cWFjYkJRZE1KRFZBck1DVFVJcEF0Ul9tYmY1MjZwXzJSQlVqUHMwOW9fQkdOejRkRGxhMi1lSHJwYVcxOXVJYkE?oc=5",
"published": "Tue, 24 Mar 2026 07:23:00 GMT",
"summary": "‘코스닥사 주가조작’ 전 증권사 직원·기업인 구속기소 KBS 뉴스",
"source": "\"코스닥 when:2h\" - Google 뉴스"
},
{
"title": "코스피, 2.74% 상승한 5553.92 마감…코스닥 2.24%↑(2보) - 뉴스1",
"link": "https://news.google.com/rss/articles/CBMiW0FVX3lxTE5pbms5UkJVVTFTY3NGRldxMnFldllxUENJVW04WVhhZzhFWW1PczFtTGdVclVVdlhhVFczeUV4R081RV9GbTZfMjd3elJUUWlUWTR2STYtVC1NSXc?oc=5",
"published": "Tue, 24 Mar 2026 06:39:18 GMT",
"summary": "코스피, 2.74% 상승한 5553.92 마감…코스닥 2.24%↑(2보) 뉴스1",
"source": "\"코스닥 when:2h\" - Google 뉴스"
},
{
"title": "[0324마감체크]코스피, 중동 리스크 완화에 5500선 회복... 코스닥도 상승 By 인포스탁데일리 - Investing.com 한국어",
"link": "https://news.google.com/rss/articles/CBMicEFVX3lxTE8tVkxnd1ZYSWJnbmZWYUtiT1NtdDN4d3dvc0hDeE4xT3BDbm9sZDN0bXhJbGszdzRRSWJzR3lXUTJIZ3hZeFRXVVVNZVp6Ul8tWUZSOE5nWldjY0ZqcmtOYXdNbk0yS2k3a09MYTRBOTM?oc=5",
"published": "Tue, 24 Mar 2026 08:10:00 GMT",
"summary": "[0324마감체크]코스피, 중동 리스크 완화에 5500선 회복... 코스닥도 상승 By 인포스탁데일리 Investing.com 한국어",
"source": "\"코스닥 when:2h\" - Google 뉴스"
},
{
"title": "코스피, 급등 후 상승폭 축소 2.7% 상승 5550선 마감···코스닥 2.24%↑ - 동양뉴스",
"link": "https://news.google.com/rss/articles/CBMiYEFVX3lxTE5VV2FQTldxeE5FQS1qV19Kb2U5RlBIRjROTk9Wbkw1OTM0V0tqd1M4S05veW9ZaE1hRHVFZlpsUHBQOW5UN01ZVHNOU2Fmc2E3OWdOcmVxN25pYXN6Y3AyXw?oc=5",
"published": "Tue, 24 Mar 2026 07:52:15 GMT",
"summary": "코스피, 급등 후 상승폭 축소 2.7% 상승 5550선 마감···코스닥 2.24%↑ 동양뉴스",
"source": "\"코스닥 when:2h\" - Google 뉴스"
},
{
"title": "증시요약(2) - 코스닥 마감시황 - 매일경제 마켓",
"link": "https://news.google.com/rss/articles/CBMiUkFVX3lxTE8zMlQtdkRmUzI1VXlJZGV1LXN2ZXBuUndnZGxWZGdPcnBlN2YxVU5RZWM2elBTUzlrakhwTjRyNWhMd0ljeV8wb1dmOXZNMnV4VkE?oc=5",
"published": "Tue, 24 Mar 2026 08:03:32 GMT",
"summary": "증시요약(2) - 코스닥 마감시황 매일경제 마켓",
"source": "\"코스닥 when:2h\" - Google 뉴스"
}
],
"미국 증시": [
{
"title": "미국-이란 협상 가능성에 국내 증시 상승 [마감시황] - 에너지경제신문",
"link": "https://news.google.com/rss/articles/CBMiW0FVX3lxTFBuWlBZR1VvV1lIcHpzWk4yQzFIZnRoMy1uRG93a2daaXNjS2dxYXJOT1gxYTY5allSTURIeklWSFVHd1RmY1NGMHJreHlONVhPMl8zeUZxX2NxY1E?oc=5",
"published": "Tue, 24 Mar 2026 07:45:54 GMT",
"summary": "미국-이란 협상 가능성에 국내 증시 상승 [마감시황] 에너지경제신문",
"source": "\"미국 증시 when:2h\" - Google 뉴스"
},
{
"title": "코스피 5,500선 회복…환율 1,500원 아래로 - 연합뉴스TV",
"link": "https://news.google.com/rss/articles/CBMiZ0FVX3lxTE82NTFFeW9vblNtUXlwQWRUbk83aEF5TnpkN1JtanZWSFVwYWliSzg4RjhqNUJyVjZMOEtKdW84aEprcjRwSFlPV3lpTUZHTUhvMmUxMDljeUZXV0toSzBnSGVFVEExQm8?oc=5",
"published": "Tue, 24 Mar 2026 07:10:40 GMT",
"summary": "코스피 5,500선 회복…환율 1,500원 아래로 연합뉴스TV",
"source": "\"미국 증시 when:2h\" - Google 뉴스"
},
{
"title": "[도쿄증시-마감] 美·이란 협상 기대 속 반등 - 연합인포맥스",
"link": "https://news.google.com/rss/articles/CBMicEFVX3lxTE1nVG9hUEpjVFVzS2UtZGZQOXdNRFFCZ1FtNjRha0oyNUZHQWo2clVxWkVxYTlxY2paeEVvaWdxQURJcXAxZDNUMzNMNV82VmJsbVpSMElJbDdWNDZQeUVsTnZONVBtRjd3ajlPYnAtQUjSAXRBVV95cUxNb0FyNVpyMnNpeHRkNmM2VzRYdzlqc0F1M183M3VwM0I2amE2NEVQcVFkbjI4eUlVaXFpWU9Bbl9OWVM3TksxTmxsQVBOYVFVRHA3WGZHS25BeVJueE5hUzh5dVJMQlV6VWlpb3UxcEx3YkZPcw?oc=5",
"published": "Tue, 24 Mar 2026 06:48:14 GMT",
"summary": "[도쿄증시-마감] 美·이란 협상 기대 속 반등 연합인포맥스",
"source": "\"미국 증시 when:2h\" - Google 뉴스"
},
{
"title": "[자막뉴스] 누군가는 미리 알았다...트럼프 발표 직전 요동친 미국 증시 - YTN",
"link": "https://news.google.com/rss/articles/CBMiXkFVX3lxTE16U3NIVlZhZkF4MUFNRjFTTGtxX2ZkQmNfNlp2V2ZiQlB0aXJXSE94aVpsT05rT2t2eGhLZVdmTFVJa0IwMEp6WkxfMXF2YVdWZGE0SENyU0w0ak9XSlE?oc=5",
"published": "Tue, 24 Mar 2026 06:37:00 GMT",
"summary": "[자막뉴스] 누군가는 미리 알았다...트럼프 발표 직전 요동친 미국 증시 YTN",
"source": "\"미국 증시 when:2h\" - Google 뉴스"
},
{
"title": "\"美-이란 전쟁 곧 종료 전망...반도체 외 기판주 관심\" [내일 전략] - 네이버 프리미엄콘텐츠",
"link": "https://news.google.com/rss/articles/CBMif0FVX3lxTE1aZXhsWTkwOHBvMmJtZFZMbURNcHlabTkxNnliZWQ3TmVOekpscXA1MkVyN2dPRTRtc3ZaQ1JmTHdXdW95cXUxZF9mUEg0dkY3bWNlT2VvR25mVEVhZzBQT21LdzgtUXZHd3p2ckkwQW5Gc1B3aDRPcmJLYVhiTVE?oc=5",
"published": "Tue, 24 Mar 2026 06:57:00 GMT",
"summary": "\"美-이란 전쟁 곧 종료 전망...반도체 외 기판주 관심\" [내일 전략] 네이버 프리미엄콘텐츠",
"source": "\"미국 증시 when:2h\" - Google 뉴스"
}
],
"나스닥": [
{
"title": "PPHC, 나스닥 IPO 후 러셀 2000 및 3000 지수 편입 By Investing.com - Investing.com 한국어",
"link": "https://news.google.com/rss/articles/CBMicEFVX3lxTFA5NXpPNC16Tk1Ha2hJYU9WdVN4RWxsU2xNMEwxaWx1Uk9mR0FETVpVSXZHTDd1Yk8tc05DbjdkengtYjE3WmhqZ2wzS0dGMGdsSFRTdF82VG1nUElJRk5YblR2cnQyY3BJMU9WZDJwZHY?oc=5",
"published": "Tue, 24 Mar 2026 07:07:00 GMT",
"summary": "PPHC, 나스닥 IPO 후 러셀 2000 및 3000 지수 편입 By Investing.com Investing.com 한국어",
"source": "\"나스닥 when:2h\" - Google 뉴스"
},
{
"title": "트럼프 말에…국제 유가·증시 또 롤러코스터 - 연합뉴스",
"link": "https://news.google.com/rss/articles/CBMiW0FVX3lxTE5Iekswa25pQUpIcGVzMkZzbllXRm5sZjFJOGZKVkRBamtFNktDT1FlblU5THNtNy1nblpRRkF4cXRDYWdUYWxVenZXQUZpTGpEaDVTbE96RmJub0HSAWBBVV95cUxPRHFRV09EZlNoYUstQjlSZ1JTeHZVSDFpZ0tUendlakJRNkVHb1NQY29wM0tZMzYyNmlUdzdCejRWb3ZmTkNJTFZlS2JFdktzRkdiQTN6UHFiUUtoVE5GWS0?oc=5",
"published": "Tue, 24 Mar 2026 07:41:50 GMT",
"summary": "트럼프 말에…국제 유가·증시 또 롤러코스터 연합뉴스",
"source": "\"나스닥 when:2h\" - Google 뉴스"
},
{
"title": "나스닥 이어 NYSE 부회장도 갤럭시코퍼레이션 방문…\"美 상장 청신호\" - 네이트",
"link": "https://news.google.com/rss/articles/CBMiU0FVX3lxTFBrZGplcHYxQWlHQ0RHMHVPMGRETVRkTGlJcy1kRDlEYnRaWUJDRXQ4SkNQMWNaRU85UXNzQ0lHNUc4SUJtcjVkMUp6UXFEQzV1TUdv?oc=5",
"published": "Tue, 24 Mar 2026 07:40:00 GMT",
"summary": "나스닥 이어 NYSE 부회장도 갤럭시코퍼레이션 방문…\"美 상장 청신호\" 네이트",
"source": "\"나스닥 when:2h\" - Google 뉴스"
},
{
"title": "트럼프 이란 발표에 증시 롤러코스터…전쟁마저 시장관리용 도구? - 조세일보",
"link": "https://news.google.com/rss/articles/CBMiakFVX3lxTE5DZXN0ZzZqcUpjUDU3RXhuRmxZRUFMWnhXTW8yVDhBMDFSU1lXd3dXN01CRk00Wm1yTGhUQ3V4cUJhWDl6VHhELVVJRnlBYlJjVEtTUVZjaW1SbmZUY3NFTXV3QlVETGtwV0E?oc=5",
"published": "Tue, 24 Mar 2026 07:36:18 GMT",
"summary": "트럼프 이란 발표에 증시 롤러코스터…전쟁마저 시장관리용 도구? 조세일보",
"source": "\"나스닥 when:2h\" - Google 뉴스"
},
{
"title": "NYSE 부회장, 갤럭시코퍼레이션 이례적 방문 - bntnews.co.kr",
"link": "https://news.google.com/rss/articles/CBMiZEFVX3lxTE00aVF6VDU5QVJtaXlWZEdhYXBHU3NTMWdZbnFNYmI0U0dZeEJjbWtONmg0V2VqLVdUcS0zTWtDaG0zdmJvT09JcU1sSnJDR2I2UGhtdFY1Mnh2Znp1SE90NnUzZUU?oc=5",
"published": "Tue, 24 Mar 2026 08:05:16 GMT",
"summary": "NYSE 부회장, 갤럭시코퍼레이션 이례적 방문 bntnews.co.kr",
"source": "\"나스닥 when:2h\" - Google 뉴스"
}
],
"환율": [
{
"title": "코스피 5,500선 회복...환율 1,500원 아래로 - BBS불교방송",
"link": "https://news.google.com/rss/articles/CBMia0FVX3lxTE02VkJNY21tMUJFZ0xJdkwwbEZ6Yzk1emdWWFNtV2JyVzF4WFN5eG5UcDBwaFQ1ZDJPbTBCQS1xMC1FZFNGV1JuSXR0Wlo5OUtUOThDUHl6T0VNN25wdWI3ZGRTUDQ0dExxdkxZ?oc=5",
"published": "Tue, 24 Mar 2026 07:21:11 GMT",
"summary": "코스피 5,500선 회복...환율 1,500원 아래로 BBS불교방송",
"source": "\"환율 when:2h\" - Google 뉴스"
},
{
"title": "환율 1500원·유가 100달러⋯대구경북 수출기업 ‘이중 부담’ 현실화 - v.daum.net",
"link": "https://news.google.com/rss/articles/CBMiT0FVX3lxTE1iYmNFRTlDMTBEaE9CZnR1SDI4OTJjUWhBb0k0TmV2cXUtLWRvRktFRURxclNCalZYd2VMektlR2Zjc01JWF9zaG00c3BtX0k?oc=5",
"published": "Tue, 24 Mar 2026 07:06:31 GMT",
"summary": "환율 1500원·유가 100달러⋯대구경북 수출기업 ‘이중 부담’ 현실화 v.daum.net",
"source": "\"환율 when:2h\" - Google 뉴스"
},
{
"title": "부산은행, 수출입 기업 대상 환율 전망 세미나 개최 - 국제신문",
"link": "https://news.google.com/rss/articles/CBMijgFBVV95cUxPcVBnQTZXeWIyNURkM0FwaXlEbzB3ai1fd2IxdHpiVWJfbGxrbzVQNXVsMzFZeUgxWVdhN29oM085SE5UbDRvZ3Y1Z1VZYkJnbjg0d1FwdnZmQmVneC1mNmRfWmlLNzJZMXJ6TnN6Rk9NOEcwTW13MHEzTlZmbzFfWk9UQ1JDOUowSXU2cWF3?oc=5",
"published": "Tue, 24 Mar 2026 07:44:00 GMT",
"summary": "부산은행, 수출입 기업 대상 환율 전망 세미나 개최 국제신문",
"source": "\"환율 when:2h\" - Google 뉴스"
},
{
"title": "환율, 美 이란 공격 유예에 1500원 선 하회...1495.2원 마감 - 글로벌이코노믹",
"link": "https://news.google.com/rss/articles/CBMihAFBVV95cUxPNm5ScVVVNVh0VER0RnNrMFRBZ0hNNEI5UmRFWWhUMUN6NHBsX3B2TC1yOHNDeHZ1R29IMVBQT0x4RG04bnYtUERzZnNGNlZQZkpDUW5DbVJHR1lsYVBrLTNFLWxtTmVNXzJtQkVJUWd2dHJpTDBObXg4MVlmbWRqTldkaHk?oc=5",
"published": "Tue, 24 Mar 2026 07:15:19 GMT",
"summary": "환율, 美 이란 공격 유예에 1500원 선 하회...1495.2원 마감 글로벌이코노믹",
"source": "\"환율 when:2h\" - Google 뉴스"
},
{
"title": "'공격 유예' 트럼프 발언에···원·달러 환율, 4거래일 만에 1500원 하회 - 서울파이낸스",
"link": "https://news.google.com/rss/articles/CBMiakFVX3lxTE12Uk1YYlFVNmpRaXBOTW1feElkTmdfYW0ybC04cDc3TU8tUnRzWnNJX0RxQk1UV3lvN3AwR1dpM0lyd1ZVZTdFQndoWkllQUo5a2JTUm5yX09oNXJGc01KTWNZeXNVLS01NVE?oc=5",
"published": "Tue, 24 Mar 2026 07:47:24 GMT",
"summary": "'공격 유예' 트럼프 발언에···원·달러 환율, 4거래일 만에 1500원 하회 서울파이낸스",
"source": "\"환율 when:2h\" - Google 뉴스"
}
],
"금리": [
{
"title": "한은도 4월 금리 동결 가능성…이란사태로 물가·환율 불안 - 한국무역협회-KITA.NET",
"link": "https://news.google.com/rss/articles/CBMi1gFBVV95cUxOaFhPMXFHejZTZ2dQd2N2aFJrdnBrQ014UVh0VHNYdXhoSEpIcGNOUHlsQzhkTGV3S253TWUtYUk5cU1LNW9TQlRXQ1VURF85Zmc2TFNaSVlnaDNBUTVkSXA2di1NZlQ4eVVIUG42V19PTUx0NDVhTF9Rb0tDRVhDTTkyamw3Y3RCN1ZiOU1WYUdMbkVsRTktbExHZ0NLRE5KS3ppcHBHMWFlSVl4MTdRZnVYRHU3aG9oNU5UZFBCcldoWFpyclc3NnRsSnYzYTg4cmhWV1lR?oc=5",
"published": "Tue, 24 Mar 2026 06:25:33 GMT",
"summary": "한은도 4월 금리 동결 가능성…이란사태로 물가·환율 불안 한국무역협회-KITA.NET",
"source": "\"금리 when:2h\" - Google 뉴스"
},
{
"title": "“금리 오르는데”···신종자본증권 발행 나서는 경남은행 - 시사저널e",
"link": "https://news.google.com/rss/articles/CBMickFVX3lxTE9EZl8xNnFfWHB0T1I3aUxBNXktSlNZdmNqWkE1emdEUG04UUtrNVlfYmRzMDhIanI2NU1qdEdUbTVfRGViaFRkYmZlNU1CQ21pUkpGM1ZNRGJHQkNrdENENlJrNHBKZmlXNE5aQ3BlWldNUdIBdkFVX3lxTE5uN3hMSkd6YUZ2SjYxb08wNS1SQnIzSjNiR1FQZEVuN1htR0VfUzBvNHZmSXkwQm9QU0swbnNyVklNQWNkbmRDSzJNdVdTZDJEM2lRNE8zcDBZY1RCaGxobEk4QkZkVzRGYWQ0bVhLVFktYnVvZ0E?oc=5",
"published": "Tue, 24 Mar 2026 07:13:34 GMT",
"summary": "“금리 오르는데”···신종자본증권 발행 나서는 경남은행 시사저널e",
"source": "\"금리 when:2h\" - Google 뉴스"
},
{
"title": "트럼프 '타코'에 국고채 금리 일제히↓…3년물 연 3.523%(종합) - v.daum.net",
"link": "https://news.google.com/rss/articles/CBMiT0FVX3lxTFBaWkZqbmE4Qmx0RWdlTm1aTVN0ZGM4NHh0QUZjTHV1WmRvaTVDWF9ZeFJIRjFjUFFsWC0teTU3QXd3YnZ4cWdEQllIR3pDLUE?oc=5",
"published": "Tue, 24 Mar 2026 08:03:46 GMT",
"summary": "트럼프 '타코'에 국고채 금리 일제히↓…3년물 연 3.523%(종합) v.daum.net",
"source": "\"금리 when:2h\" - Google 뉴스"
},
{
"title": "\"미 국채금리 급등 변수 부각…전쟁 지속 시 비트코인 변동성 확대 가능성\" - 블루밍비트",
"link": "https://news.google.com/rss/articles/CBMiUEFVX3lxTFBEUEdJb2o2dlB4bTZTT3RRWUdnNUFZMUloUUloWExSbjVWYW1MdXdxUlF1ckY5bk83VWtacXg2cGJlY1VQNlU4c1pKMlYzTW9T?oc=5",
"published": "Tue, 24 Mar 2026 07:47:07 GMT",
"summary": "\"미 국채금리 급등 변수 부각…전쟁 지속 시 비트코인 변동성 확대 가능성\" 블루밍비트",
"source": "\"금리 when:2h\" - Google 뉴스"
},
{
"title": "2026년 3월 24일 현재 은행 금리: 비엣콤은행과 비엣틴은행이 연 금리를 6.5%로 인상했습니다. - Vietnam.vn",
"link": "https://news.google.com/rss/articles/CBMiogFBVV95cUxOb3l1TXkzUGEtQkluNTdkQ3ZuMEM5YmYtbV9ocktvQVFtWHdXcnRkNFBWb2pIRnZ6NWs2cjdnOFhZejBhZzB1ZFJRVkJ6RVI4cGlRa3p2YWdNWGUtVFFjQURjY3kzZC1ydlFuZFNuWENZenN2d2lkakZmUmtZcXBTX213R1hfcEpDcDBIOTFCbnRsOENLQ0ZEWndKT0VCVWZfY0E?oc=5",
"published": "Tue, 24 Mar 2026 07:36:40 GMT",
"summary": "2026년 3월 24일 현재 은행 금리: 비엣콤은행과 비엣틴은행이 연 금리를 6.5%로 인상했습니다. Vietnam.vn",
"source": "\"금리 when:2h\" - Google 뉴스"
}
],
"삼성전자": [
{
"title": "삼성전자 노사 교섭 재개…총파업 위기 해결 실마리 찾나 - 지디넷코리아",
"link": "https://news.google.com/rss/articles/CBMiVkFVX3lxTE1kTWtfZXdnUmI0aW5mamVudmdjS1N5dllFY2RmRFo0V2FVbGRzUWpmQlp0aEJBWXZaanFhRmE5TXczdnNKSlpTcnQzaHVkcEkyMG9LSmRB?oc=5",
"published": "Tue, 24 Mar 2026 08:01:26 GMT",
"summary": "삼성전자 노사 교섭 재개…총파업 위기 해결 실마리 찾나 지디넷코리아",
"source": "\"삼성전자 when:2h\" - Google 뉴스"
},
{
"title": "전영현 면담 하루 만에…삼성전자 노조, 교섭 재개 결정 - 연합인포맥스",
"link": "https://news.google.com/rss/articles/CBMicEFVX3lxTFBfOE9KMTlCaHpzZWk3OTNBSUtJTWVXeFRpWUN2M20xUmlWRHoyTG5WVm5sakxPOHNBa29qWFhoWEVxRkJidlY0aEIwcnprVGR6WFJGaEppU21sMXdIRzQwQml5cXlIV2JER0ZOVXhtNk0?oc=5",
"published": "Tue, 24 Mar 2026 07:32:03 GMT",
"summary": "전영현 면담 하루 만에…삼성전자 노조, 교섭 재개 결정 연합인포맥스",
"source": "\"삼성전자 when:2h\" - Google 뉴스"
},
{
"title": "삼성전자 노사 임금 교섭 재개…26~27일 집중 교섭 - v.daum.net",
"link": "https://news.google.com/rss/articles/CBMiT0FVX3lxTE12OC1GcTdvYkJLUTluZGI3V0lKcTFLUm1aMDhhTmc4N3YycmpiMlBKampFRG9lRll0VXRJbEhXVW9SbHo3OGotZWZjc0RGM2M?oc=5",
"published": "Tue, 24 Mar 2026 07:39:04 GMT",
"summary": "삼성전자 노사 임금 교섭 재개…26~27일 집중 교섭 v.daum.net",
"source": "\"삼성전자 when:2h\" - Google 뉴스"
},
{
"title": "삼성전자, 플랙트그룹과 ‘MCE 2026’ 참가…LG 트롬 워시타워, 글로벌 판매 300만 대 돌파 [IT오늘] - 시사오늘",
"link": "https://news.google.com/rss/articles/CBMiakFVX3lxTE10amRfV3o2cDh5OUNGQ0xDeHVKbWJWTF9jUWM3cldlTEpVRDE2NHZrT1RQOFZGcTZ4emU2a3NwTmhNOHEyUVh4MEMzcy1ra1diRGpGeFl3OGUtSEFSRkpXckRBUm42WW80WlE?oc=5",
"published": "Tue, 24 Mar 2026 07:00:00 GMT",
"summary": "삼성전자, 플랙트그룹과 ‘MCE 2026’ 참가…LG 트롬 워시타워, 글로벌 판매 300만 대 돌파 [IT오늘] 시사오늘",
"source": "\"삼성전자 when:2h\" - Google 뉴스"
},
{
"title": "“운전하다 집 에어컨 끈다”…현대차·기아, 삼성전자와 ‘카투홈’ 본격화 - 매거진한경",
"link": "https://news.google.com/rss/articles/CBMibEFVX3lxTFA2Ukx5VXlNcHl2Tml1ZGxDZWJwd29HQWxIZWV2aUpYOUdUMDE1Z2lGTXh5YXFzUnU3QThPNFNPazc3djNyWVFiZlB4NktmRW5yNmZGa2Y2UlJ1cE5ReHByTElGWW4ya0c1VjZpNA?oc=5",
"published": "Tue, 24 Mar 2026 06:57:00 GMT",
"summary": "“운전하다 집 에어컨 끈다”…현대차·기아, 삼성전자와 ‘카투홈’ 본격화 매거진한경",
"source": "\"삼성전자 when:2h\" - Google 뉴스"
}
],
"SK하이닉스": [
{
"title": "SK하이닉스, 2년간 '12조원 규모' EUV 장비 도입 - 디일렉",
"link": "https://news.google.com/rss/articles/CBMiZkFVX3lxTE0xNTBqRm9kdGd0d0NDQWlhenFOS05wcDhXaXZMeXZOR1NDR1E5anJzS0NQZjVDLTYwM3NqNWJNMFdLNVNLX2M2SkJrX1lmSEowZVR6TmdIa1BzRDNHenhncm50ay1mUQ?oc=5",
"published": "Tue, 24 Mar 2026 08:10:50 GMT",
"summary": "SK하이닉스, 2년간 '12조원 규모' EUV 장비 도입 디일렉",
"source": "\"SK하이닉스 when:2h\" - Google 뉴스"
},
{
"title": "[애프터마켓 브리핑] SK하이닉스, 美 ADR 주관사 선정 착수 - v.daum.net",
"link": "https://news.google.com/rss/articles/CBMiT0FVX3lxTE5HRi15NjF4LS1CUGZEMW5VaWhidDdxTDhQcE5tc2tNenRDV0h3UUFtYkNGOFVaUmJnSGtnc2JUUlNHVGZ2eWQwMk5PeXlKdk0?oc=5",
"published": "Tue, 24 Mar 2026 07:40:20 GMT",
"summary": "[애프터마켓 브리핑] SK하이닉스, 美 ADR 주관사 선정 착수 v.daum.net",
"source": "\"SK하이닉스 when:2h\" - Google 뉴스"
},
{
"title": "SK하이닉스, 12조원 규모 EUV 장비 도입…선단 공정 속도 - 뉴스토마토",
"link": "https://news.google.com/rss/articles/CBMiYEFVX3lxTE90VGh3WUxoN1J4ZGJra2tBMzViM0lHaDFXMVFJLU82Vl8ydlRUSHFVR3hBa2lZejUyOXU1YnVUYjBoeXFEeExyODZGck9xVjRnYW5wUF9rQ1hIdklyak1iTg?oc=5",
"published": "Tue, 24 Mar 2026 07:29:06 GMT",
"summary": "SK하이닉스, 12조원 규모 EUV 장비 도입…선단 공정 속도 뉴스토마토",
"source": "\"SK하이닉스 when:2h\" - Google 뉴스"
},
{
"title": "SK하이닉스, 12조원 규모 EUV 장비 도입…선단 공정 전환 가속화 - CEO스코어데일리",
"link": "https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBWZTdkQ1hGVkMydXYtY3YxVGltWTQ5SWU2aG9tc1QxY3BqbFd1Q1VBYkJfVEJaR2FCalJnOXF6TEZWcVVYWUMzTXdiQk02a0VWQ2ZUZGtnVHdWb3J4MEMtNWhNMk50bFU?oc=5",
"published": "Tue, 24 Mar 2026 07:33:27 GMT",
"summary": "SK하이닉스, 12조원 규모 EUV 장비 도입…선단 공정 전환 가속화 CEO스코어데일리",
"source": "\"SK하이닉스 when:2h\" - Google 뉴스"
},
{
"title": "SK하이닉스 미국 설립 AI컴퍼니 뉴욕에 거점 - 아이뉴스24",
"link": "https://news.google.com/rss/articles/CBMiTEFVX3lxTE0zOWhlakppTXZMVnFQWlNIVFVaNDYtcnFtemx5Skk3bkhKSXMtcHpUd2VpUFVnQnY5U2d4MzRKZ1Y0WlF2ektnc2JmOWI?oc=5",
"published": "Tue, 24 Mar 2026 06:17:05 GMT",
"summary": "SK하이닉스 미국 설립 AI컴퍼니 뉴욕에 거점 아이뉴스24",
"source": "\"SK하이닉스 when:2h\" - Google 뉴스"
}
]
},
"feed_news": {
"구글_한국경제": [
{
"title": "'롤러코스피' 이유 있었네…유동주식비율 49%에 불과 [마켓딥다이브] - 한국경제",
"link": "https://news.google.com/rss/articles/CBMiVEFVX3lxTFBEaEJaR293b3RTNi00aV9yOTFLcWtsYldRVi13S0ZNbl84SEhzck1UbUxVenlreFRuNzdBOGZjWWliYUNLSTdBOHg5ZExSY3F3Ql9CYtIBVEFVX3lxTFBEaEJaR293b3RTNi00aV9yOTFLcWtsYldRVi13S0ZNbl84SEhzck1UbUxVenlreFRuNzdBOGZjWWliYUNLSTdBOHg5ZExSY3F3Ql9CYg?oc=5",
"published": "Tue, 24 Mar 2026 05:28:01 GMT",
"summary": "'롤러코스피' 이유 있었네…유동주식비율 49%에 불과 [마켓딥다이브] 한국경제",
"source": "\"한국경제 주식\" - Google 뉴스"
},
{
"title": "키움증권, ‘RIA’ 개설 이벤트 - 한국경제",
"link": "https://news.google.com/rss/articles/CBMiVEFVX3lxTE1GQjdQZGpKcGdSY2RQcDNWT2dvVFdEVW1nSzlERjZqS0U1VjVMX2ZLYk5GR0pnNFFzS1ItMWN3c0FrcXoydkxjUG56aGZUcWN0T3duZNIBVEFVX3lxTE1GQjdQZGpKcGdSY2RQcDNWT2dvVFdEVW1nSzlERjZqS0U1VjVMX2ZLYk5GR0pnNFFzS1ItMWN3c0FrcXoydkxjUG56aGZUcWN0T3duZA?oc=5",
"published": "Mon, 23 Mar 2026 23:43:53 GMT",
"summary": "키움증권, ‘RIA’ 개설 이벤트 한국경제",
"source": "\"한국경제 주식\" - Google 뉴스"
},
{
"title": "키움증권, ‘개인투자자용 해외주식 환헷지 상품’ 출시 - 한국경제",
"link": "https://news.google.com/rss/articles/CBMiWkFVX3lxTFB4dHoxdG1oQmtSOWpBQTVsMzFMLTRQRU5YY0lwS3BqaUVKN0xxY2FIeC1mTnhpSUJHMHp1bG8yYWlRY3BIdzRJTmZMTnN5SnRxeDVrcUV1a3RwZ9IBVEFVX3lxTFA0a3ZoS2ZmVW5XTUNoaTgzZ2FtM3RRR3lVbFZmblVCU3RYeTNjSnFNN0YtVlo1OXg2Mk1iU2pROEY3STN6VTdFaktOUGdLUm9rbXU5TQ?oc=5",
"published": "Tue, 24 Mar 2026 06:03:56 GMT",
"summary": "키움증권, ‘개인투자자용 해외주식 환헷지 상품’ 출시 한국경제",
"source": "\"한국경제 주식\" - Google 뉴스"
},
{
"title": "진짜 주식 2부 - 한국경제TV",
"link": "https://news.google.com/rss/articles/CBMiowFBVV95cUxPaWRjS254UjkzUXFlNlZDSG9uVGMzNTJfbVcwZ2MwTDVWd3p3LWhhV0U3S3lHRERkTWk4NFpQSmJhQ1R5Z3ZpVS16MkFzZzRvdndzSklGSjVrNF9UNVQ4bmVPTHBRb0F5M0FZdUY2RVJWWHo2NFN4aGNrUnZJVWpFdmFvUWhHXzdPZmJUaEtjQmNZakhuUEpSd0dzN3g3N0xLRjhB?oc=5",
"published": "Mon, 23 Mar 2026 12:57:37 GMT",
"summary": "진짜 주식 2부 한국경제TV",
"source": "\"한국경제 주식\" - Google 뉴스"
},
{
"title": "미래에셋증권, AI 인재에 '파격 보상'…스톡옵션 인당 23억 대박 - 한국경제",
"link": "https://news.google.com/rss/articles/CBMiWkFVX3lxTE54TUdob3hPYnRSdVVabFJLd196aERMWWt3aWNVRFpubWJzS1pHNDc1alJFcW9Pc0pSSmNrelRtQ3pPbGUwVzh2WnVmWGY1TWlNaks1eFBDVjJOd9IBVEFVX3lxTE5teElBVHBJRUpwZDFHdGlIVmNfbGJOWjdQcFdpek92OGNtTWFtUlRsVUwyQldUTGtBQVBGYmpkYno2Q3hxc051U2lVRGdkTGo2UXRiUg?oc=5",
"published": "Tue, 24 Mar 2026 01:37:25 GMT",
"summary": "미래에셋증권, AI 인재에 '파격 보상'…스톡옵션 인당 23억 대박 한국경제",
"source": "\"한국경제 주식\" - Google 뉴스"
},
{
"title": "LS증권 새 대표에 홍원식 전 이베스트투자증권 사장 - 한국경제",
"link": "https://news.google.com/rss/articles/CBMiWkFVX3lxTE9veERPWnlSSW4tRnp3MHJGUkp6dWktcWRiVFlaN0xSb0RFRVpGZWtybzVxNUk1NG4tOFNzbXJoSDlXT1hYMklqTHc4MG1YU0hHQV8tSHYycHFWZ9IBVEFVX3lxTE5GLVo1dGk1Y29UZEo2bGRNSEo5WFg4NDlPWDBySWdZVU5EY0tITmViZGczU1MyTENtTGxnSGZHbkc4dThrOGI3UnliZmNPei1WVEo0Ng?oc=5",
"published": "Tue, 24 Mar 2026 06:29:17 GMT",
"summary": "LS증권 새 대표에 홍원식 전 이베스트투자증권 사장 한국경제",
"source": "\"한국경제 주식\" - Google 뉴스"
},
{
"title": "부동산 정책 논의서 '다주택 공직자' 배제…안철수 \"공무원은?\" - 한국경제",
"link": "https://news.google.com/rss/articles/CBMiWkFVX3lxTE9YemxoeUFrMy13Q1ZLUzVQZnZYS1pIWkVfc1JrSklITVZwSXBRZDBiV2J3cHJlNWIwRm44UE0yc1VWcGMxX0MzeGZpbU5RZTh5cnBXMFRpQWpVZ9IBVEFVX3lxTE03ZVlheVhZUC1YUC1jcFE2M2gtWW9LUEk1bHM0Z3huOVhTQy1pbElTcjVmeTVreW9KOTMxekdXa3JGNGdaQW9hbmwzQldNek5iTEFvZw?oc=5",
"published": "Tue, 24 Mar 2026 02:53:48 GMT",
"summary": "부동산 정책 논의서 '다주택 공직자' 배제…안철수 \"공무원은?\" 한국경제",
"source": "\"한국경제 주식\" - Google 뉴스"
},
{
"title": "대신증권, 정기주주총회 개최…배당·자사주 소각 확정 - 한국경제",
"link": "https://news.google.com/rss/articles/CBMiWkFVX3lxTE9MT1Q5ODhBVGRmNUJ0a2R3UEJIYTltRi1PZzZSVzFZSVNoemMyaTB2eXRhX1RNQmlhTHdLMmFoZWRfUndTSGdlX0V1YzJReDI5QXRvSE13NFBXUdIBVEFVX3lxTE1CcGVwYWp2RmtsbjNDZlBPVzZ4WHlzN3Y2c0JmUmZ0dXo3bHdBNGt4OS1QWl8wNDJLa1pBLWFFaTYxUDNSZ0h3dHRmYTZMYlZQMG5ndw?oc=5",
"published": "Tue, 24 Mar 2026 07:27:44 GMT",
"summary": "대신증권, 정기주주총회 개최…배당·자사주 소각 확정 한국경제",
"source": "\"한국경제 주식\" - Google 뉴스"
},
{
"title": "작년 2조 번 미래에셋증권, 6347억원 규모 역대 최대 주주환원 확정 - 한국경제",
"link": "https://news.google.com/rss/articles/CBMiWkFVX3lxTE5jWS0yMWRkSm5yZkdldTNwbmp3eExERVBDbXpvbUdtM1JBS0NWY2VMcktCWlFrTS0yRzU4bHRNS010eE1sWnk4ajMzOHB1Q1RoYW5sUnBobWVfd9IBVEFVX3lxTE5mQkxhZ3VXbVRxd0l4V3hVa19tdW5aNWpidU1zZ2FjRjMtVlhZZV9pZWNmWFYtd2RYVEpvak9mQ0sxTTNBalR5VE5sNkdDTFhKdFo5SA?oc=5",
"published": "Tue, 24 Mar 2026 00:03:52 GMT",
"summary": "작년 2조 번 미래에셋증권, 6347억원 규모 역대 최대 주주환원 확정 한국경제",
"source": "\"한국경제 주식\" - Google 뉴스"
},
{
"title": "대신증권, 진승욱 대표이사 선임…성장 전략 본격화 - 한국경제",
"link": "https://news.google.com/rss/articles/CBMiWkFVX3lxTFBQSk1ZZUFEVGY5Vko5VEh6ZkNKX3JZaUUzYU9vUXR1VmgtbndtaFZlZW9SNEVVTDl3ckhTWU9wT1poZEhkOGZjM1BnSlBKMGtleXh4RHFzT1dwUdIBVEFVX3lxTE8wVkkyb044SlJKWXp1VDBZWkJKZVkzVV93MWp3Z21ieS11R1BONUFnY010SGtHdHR0RGJDT3RmWm9jbEU5a1A0VWxMcHRvem9Bcm5qVQ?oc=5",
"published": "Tue, 24 Mar 2026 05:17:49 GMT",
"summary": "대신증권, 진승욱 대표이사 선임…성장 전략 본격화 한국경제",
"source": "\"한국경제 주식\" - Google 뉴스"
}
],
"구글_증시": [
{
"title": "중동 긴장 완화·뉴욕증시 랠리에…코스피, 3%대 급등 출발 - 조선일보",
"link": "https://news.google.com/rss/articles/CBMijgFBVV95cUxPM3VDOUEwOGxiRVpUd1pnMVZGa0ZTQmE3VnhMOGVpcjVsWkpqSDFkcTY3TlBDSXpkQkJha2ZvTG1VcWVMSTE3T292Q1JNS0ZjZnRRUDBOZkxUZUN1OC1rNXRGdGlvSmQ1aER6bTBlaFJGQkpQT0Z4MVlzRS1QQU9NQnlYa180aEVVYlUzc2F30gGiAUFVX3lxTE9YeWVrOVJiLWZIbHpTMHg2TkYzZEUtYTdHR0M4XzJLWWV6c2NXYWJiRTg3Zjh4eDFaeUNKb29aUnVmZldoeFBHRUMwQmJ5QlpoZDhvS1g4clRtaHB1OWVPT3BSNmJxMTBRandhTURUTmpkYk1NM1ZsTFNwTVVoZWxyQVREc3VfQWdwdnZWN192ZzlpVEtmdHBoT1I4Q3djWHlmUQ?oc=5",
"published": "Tue, 24 Mar 2026 00:11:00 GMT",
"summary": "중동 긴장 완화·뉴욕증시 랠리에…코스피, 3%대 급등 출발 조선일보",
"source": "\"증시 코스피\" - Google 뉴스"
},
{
"title": "[증시-마감] 기대만 못 한 'TACO'…코스피 2.74% 오른 5,553.92 - 연합인포맥스",
"link": "https://news.google.com/rss/articles/CBMicEFVX3lxTE5GQ0xaVXVNZ2liSDRqOExhR1NGcGtwNzgwUTFCWjNVSzFCUGhzaGJ3MktLMTNDZ0ZDTVN1aGk1c3ZhellBbE5oN25Pa1ZEUnMzbUZNWTRtUEpYLUx2VHczSU0xUDlzcFFVQ3VPcnF1aTU?oc=5",
"published": "Tue, 24 Mar 2026 07:09:29 GMT",
"summary": "[증시-마감] 기대만 못 한 'TACO'…코스피 2.74% 오른 5,553.92 연합인포맥스",
"source": "\"증시 코스피\" - Google 뉴스"
},
{
"title": "[증시 인사이트] 국내증시 동반 상승 마감…코스피 5500선 회복 - v.daum.net",
"link": "https://news.google.com/rss/articles/CBMiT0FVX3lxTE5EZjFTdlVaOXVWc1FkcGZFenc5X2RVc0R2TVN3bVFKRDdHMkRVV3ZwYTAxLUZ2d0NpbWxYZXhzZ3JDUHVuVmVhREp4NHpHcjA?oc=5",
"published": "Tue, 24 Mar 2026 07:40:18 GMT",
"summary": "[증시 인사이트] 국내증시 동반 상승 마감…코스피 5500선 회복 v.daum.net",
"source": "\"증시 코스피\" - Google 뉴스"
},
{
"title": "아증시 일제 상승, 코스피 2.74% 급등…최고 상승률 - 뉴스1",
"link": "https://news.google.com/rss/articles/CBMiXkFVX3lxTFB4MkZfZ3RHVmszQkxzNVRQRl92NDNwU3AxZ3hvY0Z4YW42OXdSVnNVaWhNUWNuU1hmR1lmMzh3a1pPbU9kaDdXaVFjSUJ0NHNMMzVRV2w3TjhYZHd0cnc?oc=5",
"published": "Tue, 24 Mar 2026 07:08:27 GMT",
"summary": "아증시 일제 상승, 코스피 2.74% 급등…최고 상승률 뉴스1",
"source": "\"증시 코스피\" - Google 뉴스"
},
{
"title": "코스피 ‘일진일퇴’, 2.74% 올라 5550선 회복 - 스트레이트뉴스",
"link": "https://news.google.com/rss/articles/CBMic0FVX3lxTE1DRFRueFZoeVRleEY5Q3VFbVhWRVFtd3lZUk1sWFVSYXNCSkUweXR4SnZYcGNtaVFYY0d4dUNwUEJpbE9peW9vVmM3dDVmcjE5dG14NlBrQTdpRVY5S0dGbHBRalRRZTQzOENndWM2bVNIcmPSAXdBVV95cUxPWjRhMndKYnJ4OFRKV0haUm4xZFN4Q2NKRHVoTnJrTzlsZFU3eUVhalNnNldGWlJQTHRfRnZNb0Z6UkwxbnZudHdCRHEtdENjV2JZRmFtTklhSlZyQXJOUko1RGxGV1Ztb0ZZczVpeEwtbjQyQkFGcw?oc=5",
"published": "Tue, 24 Mar 2026 07:15:11 GMT",
"summary": "코스피 ‘일진일퇴’, 2.74% 올라 5550선 회복 스트레이트뉴스",
"source": "\"증시 코스피\" - Google 뉴스"
},
{
"title": "[마켓뷰] 트럼프 이란 폭격 보류에 美증시 훈풍…코스피도 반등할까 - 연합뉴스",
"link": "https://news.google.com/rss/articles/CBMiYEFVX3lxTE5fczluU200Rm1vYjFJT1BWTkN6WEJZNHk4RS1JS2MtS3V4WU1TLVR0ekpqNTFTRk1lXzdqVFdJNVQ4a2dDWWY3UVM3UDBjeElsbWVSN0dHUGc2T29KeWZBNNIBYEFVX3lxTE5fczluU200Rm1vYjFJT1BWTkN6WEJZNHk4RS1JS2MtS3V4WU1TLVR0ekpqNTFTRk1lXzdqVFdJNVQ4a2dDWWY3UVM3UDBjeElsbWVSN0dHUGc2T29KeWZBNA?oc=5",
"published": "Mon, 23 Mar 2026 23:08:07 GMT",
"summary": "[마켓뷰] 트럼프 이란 폭격 보류에 美증시 훈풍…코스피도 반등할까 연합뉴스",
"source": "\"증시 코스피\" - Google 뉴스"
},
{
"title": "[증시 레이더] 코스피 5,500선 회복⋯환율도 1,495원대 - 포커스온경제",
"link": "https://news.google.com/rss/articles/CBMiXkFVX3lxTFBHMng1ZHBxSmlkQnBVeFpVY1FhYjNMTEMwdDB2VGRNRjBMeUhxUEdkZGFHZDdxZEZaaHNObjFadUJNSTU1S2NVbGZHNkZOR1ZFZVRERnJNVTZDRmwtbHc?oc=5",
"published": "Tue, 24 Mar 2026 06:56:49 GMT",
"summary": "[증시 레이더] 코스피 5,500선 회복⋯환율도 1,495원대 포커스온경제",
"source": "\"증시 코스피\" - Google 뉴스"
},
{
"title": "코스피, 2.74% 오른 5553.92 마감...개인·기관 쌍끌이 - 오피니언뉴스",
"link": "https://news.google.com/rss/articles/CBMicEFVX3lxTE52b0JTZ1o4dFhEZTA3eW1KRTVXVXZQSkFScE5UNGxoZ2dEeWlicVVmdDd4ak1KdUhSbjB5V3dGZVBCVWZMZlBsakpxeDk5YS1UZzRhb3pMV3dqMUszQ0xYcnBkVnRvMW45Z09WdjMyZkk?oc=5",
"published": "Tue, 24 Mar 2026 07:27:31 GMT",
"summary": "코스피, 2.74% 오른 5553.92 마감...개인·기관 쌍끌이 오피니언뉴스",
"source": "\"증시 코스피\" - Google 뉴스"
},
{
"title": "[개장시황] 종전 기대감에 증시 훈풍...코스피 3%대 상승 - 에너지경제신문",
"link": "https://news.google.com/rss/articles/CBMiW0FVX3lxTE1ybGlxOHQzNmhNRWdhYkVkVVlDRVpUenFwZTlPcnFyS3E0emQwRW9taTdPUTFZSzNrM044ZHNxcmRqcHBPQzJoVEl3SXVHaDdoT04xeHVrWWRraWc?oc=5",
"published": "Tue, 24 Mar 2026 00:58:37 GMT",
"summary": "[개장시황] 종전 기대감에 증시 훈풍...코스피 3%대 상승 에너지경제신문",
"source": "\"증시 코스피\" - Google 뉴스"
},
{
"title": "코스피, 중동 긴장 완화 기대에 5500선 회복···제약·이차전지 '약진' - 서울파이낸스",
"link": "https://news.google.com/rss/articles/CBMiakFVX3lxTFBhTU1Td2VCSFAtUzdBTEVSaGhLM2xGNlI3Q2xnVXZMdlhCc3hvT0Q2NWxYay1GX2s3Y3NSSFlZVFNVVndSaGVJR2ZqdXlMS1V0Rlp5d3B2V2wtUVRlSVlJblIxR1VLZFpxeGc?oc=5",
"published": "Tue, 24 Mar 2026 07:40:21 GMT",
"summary": "코스피, 중동 긴장 완화 기대에 5500선 회복···제약·이차전지 '약진' 서울파이낸스",
"source": "\"증시 코스피\" - Google 뉴스"
}
],
"구글_환율": [
{
"title": "이란 공격 유예에 달러 대비 원화 환율 26.4원 급락, 1490.9원에 출발 - 조선일보",
"link": "https://news.google.com/rss/articles/CBMijgFBVV95cUxOWHFFc2dpNl9xNFFjcXpOUlRQWVk3MHFQekJ1T1R4eDhWQV9GTVlOdnBtX2hfc19Bdm5kTm5MUUNnVzZ6U1YtQmVVZ0NjN2ltamhpTDFKVS1MZDRpeXZmY2g5U1R1UERyVFRDYzFqQWhEWENBcFNhTllBZTFRU0h3ajlLOTVrbkpxbVExN0pR0gGiAUFVX3lxTE0zSzZsZWdJWjM1SmdZM2JfNmN6MF9YcHVtTzNlMkZldzBuYUxFOFl3bFZUTlBGb2dwc2NqN0RCYldIejZXZTFNOUp1MDIwQnIyODBwTktDM01jMjVQWkxEMDRtRGZ3QThLb2dIS2g4S1Z0cjRRcHloWjRvUGgwOHpqOXF2dDJaT3dVODlvR0FXUm1QX3ZDZFo3Yk1QWWxfRC1RUQ?oc=5",
"published": "Tue, 24 Mar 2026 00:16:00 GMT",
"summary": "- 이란 공격 유예에 달러 대비 원화 환율 26.4원 급락, 1490.9원에 출발 조선일보
- [달러·원] 환율 26.4원 내린 1490.9원 출발 뉴스1
- ‘1500원 환율·100달러 유가’ 습격… 대구·경북 수출전선 ‘비상등’ 스트레이트뉴스
- 원·달러, 4거래일 만에 1500원대 아래로…22.1원 내린 1495.2원 마감(종합) 뉴시스
- 1510원 뚫은 환율·불안한 증시…달러 파킹형 ETF에 돈 몰린다 mt.co.kr
- 美·이란 대화 가능성에 달러·원 환율 1495.2원 마감(종합) v.daum.net
- 원/달러 환율 \"이란 전쟁 종전 기대감에 1480원대 등락 전망\" 서울와이어
- [환율마감] 트럼프 한마디에…원·달러 급락 나흘만 1500원 하회 이투데이
- 원·달러 환율 1490원대 출발…트럼프 타코에 안도 아주경제
",
"source": "\"환율 달러\" - Google 뉴스"
},
{
"title": "[도쿄환시] 달러-엔, 소폭 하락 후 반등…유가 상승 - 연합인포맥스",
"link": "https://news.google.com/rss/articles/CBMicEFVX3lxTE5YUGFZLU9zRjdqamt5eDlXZU5jOFl0emdSU2lfUVBpM0VKNm1BQm5VQ0pVNXZPdUM5WF9rQ1lJVG1WZkZSdjdHQV9NNzI1d01uZWVvMFloZGlkNjdWblFnUzdhWldseDdlbExLZi1wUm7SAXRBVV95cUxOdnVqcXhiRFNVYVB3MUk5czZiRnBuSGRYMG14OGdDRTVHUjM5LUN2VXNyMV9jSGxVOExhSkVoVDMtY2szX1BNa2Z0amtoVmdScjdycDY0Sm45MXhwa3pyYVktbVRtTGFMVElwTDNvUVN1dkxUTg?oc=5",
"published": "Tue, 24 Mar 2026 07:13:08 GMT",
"summary": "[도쿄환시] 달러-엔, 소폭 하락 후 반등…유가 상승 연합인포맥스",
"source": "\"환율 달러\" - Google 뉴스"
},
{
"title": "달러 대비 원화 환율 1510원 돌파… 17년여만에 최고 - 조선일보",
"link": "https://news.google.com/rss/articles/CBMijgFBVV95cUxQQk5zdmItZWN3UXRGVVQ0WFg1YmE1WHYtUVdaU1NlRy0yQ0N0clhsakJRREU3YVFZbGw5dkNKOFNtRXQwQUJFbm1YMjVlcUs4YndrQlhBaVd0aEN5ekRJSTh5Z1ZCLXVwVmpwUWwxbl8tampoeWg1QUd4ck9rSWtFRDlFdkpRVlo1SHJ0NERR0gGiAUFVX3lxTE82SUZLU0NjRVZsUkZpRnktc1VDZDViYjA2eVpDVzhHOGRYLXJwbk5BYVRURlZNaUFnMFNRX2Jhc3R6V0JRRnRfcjZ2RzVPVklYd3diRk52bUFVdldaaWNtQ1F5a18zRFMyZUxDTGJQU3diWG9sTk5uZkhSNEpxSVlIaVVCRmwzeG9hSHpNanZhM2pJZFpORFFkQjRYSzhvU2J0Zw?oc=5",
"published": "Mon, 23 Mar 2026 04:21:00 GMT",
"summary": "달러 대비 원화 환율 1510원 돌파… 17년여만에 최고 조선일보",
"source": "\"환율 달러\" - Google 뉴스"
},
{
"title": "중동발 공포에 환율·금리 치솟고 주가 급락…한국경제 먹구름 - 세무사신문",
"link": "https://news.google.com/rss/articles/CBMibkFVX3lxTFBJMzFYTVFjWGYyN1haaDF6cXo3dmk0NnA1bHJnWlZuX3JBSE1Ec0tvZXR2amFGTTczSElGcUpHb0cySGlRcGxzbXpxNEw2bFV0emZnQXhFUm1MeFE5ZUVVcE9qdzVSWUt6V3VESkZB?oc=5",
"published": "Tue, 24 Mar 2026 04:07:34 GMT",
"summary": "중동발 공포에 환율·금리 치솟고 주가 급락…한국경제 먹구름 세무사신문",
"source": "\"환율 달러\" - Google 뉴스"
},
{
"title": "환율 1500원·유가 100달러⋯대구경북 수출기업 ‘이중 부담’ 현실화 - v.daum.net",
"link": "https://news.google.com/rss/articles/CBMiT0FVX3lxTE1iYmNFRTlDMTBEaE9CZnR1SDI4OTJjUWhBb0k0TmV2cXUtLWRvRktFRURxclNCalZYd2VMektlR2Zjc01JWF9zaG00c3BtX0k?oc=5",
"published": "Tue, 24 Mar 2026 07:06:31 GMT",
"summary": "환율 1500원·유가 100달러⋯대구경북 수출기업 ‘이중 부담’ 현실화 v.daum.net",
"source": "\"환율 달러\" - Google 뉴스"
},
{
"title": "달러·원 환율, 26.4원 내린 1490.9원 개장 - 오피니언뉴스",
"link": "https://news.google.com/rss/articles/CBMickFVX3lxTFA1UmJCalZsa3FqbXRPcHc0YTMxR3hTLU9rN205WFZsQmE0UVdoS2xkbUU3WVBxblpMMTAzU1hLTDBRN0tnVXFqcXJxaWRHRXpnYzU5bkdycWdtVnhNaUQ3VWkxMXlNSjBzM25meGsxRmJsUQ?oc=5",
"published": "Tue, 24 Mar 2026 00:09:40 GMT",
"summary": "달러·원 환율, 26.4원 내린 1490.9원 개장 오피니언뉴스",
"source": "\"환율 달러\" - Google 뉴스"
},
{
"title": "원·달러 환율 1510원 돌파…17년여만에 최고 - 중앙일보",
"link": "https://news.google.com/rss/articles/CBMiVkFVX3lxTE9FTE1FYzBRdHpnWHhrNlRHWWw2Sm5WVGpveFdPVzFkbDh3dVprbXNiSGN0bnowenFXRG1XLU1iN1p4NkxzZVFZRm5GNlMzT2kzcC1vamp3?oc=5",
"published": "Mon, 23 Mar 2026 00:45:52 GMT",
"summary": "원·달러 환율 1510원 돌파…17년여만에 최고 중앙일보",
"source": "\"환율 달러\" - Google 뉴스"
},
{
"title": "2026년 3월 24일 VietinBank 환율: 미국 달러와 유로화 모두 상승했고, 영국 파운드화는 강하게 반등했습니다. - Vietnam.vn",
"link": "https://news.google.com/rss/articles/CBMipgFBVV95cUxPZ2JrN0NvVHhYNnA5NTZXZFV6eVJyUmRWZnM2ZjdNcjUzUkRnZ0REakNrMmF2OU1fZ3pmbjZNUEJYXzFhT3I2UlZKYmR3eWNzcUUyZ1Z0bmFBUXNpZDlaNlNRck5BVlA4NTN1VEFEYlVwZkdTN283dXppeWNCMVZpaENzMEtzM2dEa21EbUs5VGtsMDQtUTVhSEsyQ0ZEV0tKa1RPZkl3?oc=5",
"published": "Tue, 24 Mar 2026 05:12:31 GMT",
"summary": "2026년 3월 24일 VietinBank 환율: 미국 달러와 유로화 모두 상승했고, 영국 파운드화는 강하게 반등했습니다. Vietnam.vn",
"source": "\"환율 달러\" - Google 뉴스"
},
{
"title": "[환율 전망] 트럼프 한 마디에 출렁이는 환율 - KB Think",
"link": "https://news.google.com/rss/articles/CBMiYEFVX3lxTE9GMjRIZnhWZkpFd3ZVSXVTWTdDX25udV81c1Y3aEFHT3pYQVAydlhFRnFyUFVjY3FRMG9SZHJSRkk3WnEwSHlXdTlwaWNXZlFZbnVSS2tPR2lKUllmNzMzMg?oc=5",
"published": "Mon, 23 Mar 2026 23:00:59 GMT",
"summary": "[환율 전망] 트럼프 한 마디에 출렁이는 환율 KB Think",
"source": "\"환율 달러\" - Google 뉴스"
},
{
"title": "3월 24일 달러 환율: 자유시장 달러 하락 반전… 은행은 여전히 상승 - 굿모닝베트남미디어",
"link": "https://news.google.com/rss/articles/CBMicEFVX3lxTE1FaHl4RVpwbXhpRHpyRTg5MlVLRjkzSVVDdGp3ajNFRGVWaDZyLXhHM0MzbGxpTF9HZnZkLVdkR0JnclgxSWtKU3IxT29scW1QbHRIWFJ3Nll6OUJXWG5kZEViZXlFQklfOFMzSE1OelY?oc=5",
"published": "Tue, 24 Mar 2026 03:50:28 GMT",
"summary": "3월 24일 달러 환율: 자유시장 달러 하락 반전… 은행은 여전히 상승 굿모닝베트남미디어",
"source": "\"환율 달러\" - Google 뉴스"
}
],
"한국경제": [
{
"title": "더 투명한 계약, 더 폭넓은 지원…국민·시장 중심 '공공조달개혁'",
"link": "https://www.hankyung.com/article/2026032419591",
"published": "Tue, 24 Mar 2026 16:13:32 +0900",
"summary": "",
"source": "한국경제 | 뉴스 | 경제"
},
{
"title": "코리아세븐 신임 대표에 김대일 섹타나인 대표...IT 전문가 출신 앉혀",
"link": "https://www.hankyung.com/article/202603243379i",
"published": "Tue, 24 Mar 2026 16:12:56 +0900",
"summary": "",
"source": "한국경제 | 뉴스 | 경제"
},
{
"title": "李 \"일반 가정에도 태양광 많은 한낮에는 '싼 전기료' 검토\"",
"link": "https://www.hankyung.com/article/202603243375i",
"published": "Tue, 24 Mar 2026 16:12:27 +0900",
"summary": "",
"source": "한국경제 | 뉴스 | 경제"
},
{
"title": "아하, 우즈베키스탄 공장 건설로 글로벌 시장 정조준",
"link": "https://www.hankyung.com/article/2026032419721",
"published": "Tue, 24 Mar 2026 16:09:55 +0900",
"summary": "",
"source": "한국경제 | 뉴스 | 경제"
},
{
"title": "은성화학, 열 회수형 올인원 환기 장치로 13년 연속 정상",
"link": "https://www.hankyung.com/article/2026032419711",
"published": "Tue, 24 Mar 2026 16:09:13 +0900",
"summary": "",
"source": "한국경제 | 뉴스 | 경제"
},
{
"title": "디자인칼라스, 전선 노출 없는 책상 특허…공간 테크 기업 도약",
"link": "https://www.hankyung.com/article/2026032419641",
"published": "Tue, 24 Mar 2026 16:08:25 +0900",
"summary": "",
"source": "한국경제 | 뉴스 | 경제"
},
{
"title": "현대아이티, 국내 전자칠판 조달 1위…에듀테크로 해외 공략",
"link": "https://www.hankyung.com/article/2026032419701",
"published": "Tue, 24 Mar 2026 16:06:32 +0900",
"summary": "",
"source": "한국경제 | 뉴스 | 경제"
},
{
"title": "나우메이드, 전기 설비 세척 '나우클린' 공장 가동한 채 오염물 제거",
"link": "https://www.hankyung.com/article/2026032419851",
"published": "Tue, 24 Mar 2026 16:05:23 +0900",
"summary": "",
"source": "한국경제 | 뉴스 | 경제"
},
{
"title": "꽂기만 하면 충전·결제 '끝'…전기차, 거대 발전소 된다",
"link": "https://www.hankyung.com/article/202603243157i",
"published": "Tue, 24 Mar 2026 16:05:00 +0900",
"summary": "",
"source": "한국경제 | 뉴스 | 경제"
},
{
"title": "케이시스, '무선 LED 캐비닛' 신기술…복잡한 전선·통신선 없애",
"link": "https://www.hankyung.com/article/2026032419841",
"published": "Tue, 24 Mar 2026 16:04:36 +0900",
"summary": "",
"source": "한국경제 | 뉴스 | 경제"
}
],
"매일경제": [
{
"title": "외국은행 국내지점 순이익 … 1.6조로 4년만에 감소세",
"link": "https://www.mk.co.kr/news/economy/11997061",
"published": "Tue, 24 Mar 2026 17:15:10 +09:00",
"summary": "외국 은행 국내 지점(외은지점)의 지난해 순이익이 전년보다 감소한 것으로 나타났다. 달러 고금리에 따른 높은 조달비용으로 이자이익이 줄어들고, 국고채 금리가 급등하며 유가증권 평가..",
"source": "매일경제 : 경제"
},
{
"title": "[포토] 군인·유공자 지원 나선 신한은행",
"link": "https://www.mk.co.kr/news/economy/11997058",
"published": "Tue, 24 Mar 2026 17:15:09 +09:00",
"summary": "",
"source": "매일경제 : 경제"
},
{
"title": "車보험 여전히 적자구조 지속 … 보험료 인상분 3월부터 반영",
"link": "https://www.mk.co.kr/news/economy/11997060",
"published": "Tue, 24 Mar 2026 17:15:09 +09:00",
"summary": "올해 국내 손해보험 업계의 자동차보험 손해율이 여전히 적자의 늪을 벗어나지 못하고 있다.\n24일 보험 업계에 따르면 지난달 5대 손보사(삼성화재·DB손해보험·현대해상·KB손해보험·..",
"source": "매일경제 : 경제"
},
{
"title": "기업은행, 17년만에 디지털뱅킹 전면개편",
"link": "https://www.mk.co.kr/news/economy/11997059",
"published": "Tue, 24 Mar 2026 17:15:09 +09:00",
"summary": "IBK기업은행이 17년 만에 디지털뱅킹 시스템을 전면 개편한다. 향후 5년간 대규모 자금을 투입해 디지털 플랫폼을 구축하고, 인공지능(AI)과 비금융 서비스 등 새로운 기능을 넣는..",
"source": "매일경제 : 경제"
},
{
"title": "[표] 외국환율고시표",
"link": "https://www.mk.co.kr/news/economy/11997057",
"published": "Tue, 24 Mar 2026 17:15:08 +09:00",
"summary": "",
"source": "매일경제 : 경제"
},
{
"title": "“폐 절제 수술했지만 보험금 지급 거절”…실손보험 피해 사례 보니",
"link": "https://www.mk.co.kr/news/economy/11997022",
"published": "Tue, 24 Mar 2026 16:49:37 +09:00",
"summary": "실손보험 제도 개선 토론회 개최 보험사, 의료자문·소송남발 제기 “오해 부분…보험금 대부분 지급”“폐 절제 수술을 받았고 4번의 항암 치료를 받았지만, 지난 2024년 이후 보험사..",
"source": "매일경제 : 경제"
},
{
"title": "BTS 서울 공연 당일 하루 충전액 ‘30억원’ 돌파…와우패스, 역대 최고치 경신",
"link": "https://www.mk.co.kr/news/economy/11996893",
"published": "Tue, 24 Mar 2026 16:00:50 +09:00",
"summary": "와우패스 결제 데이터, ‘엔터 투어리즘’ 경제 효과 입증방한 외국인 전용 인바운드 결제 플랫폼 1위 와우패스(WOWPASS)를 운영하는 오렌지스퀘어는 지난 21일 하루 충전액이 3..",
"source": "매일경제 : 경제"
},
{
"title": "성장판 닫히는 한국의 허리 기업들...8~19년차 고성장 기업 비중 반토막",
"link": "https://www.mk.co.kr/news/economy/11996808",
"published": "Tue, 24 Mar 2026 15:01:30 +09:00",
"summary": "한국개발연구원 김민호 선임연구위원 100개 기업 중 고성장 15개→7개로 감소 15년간 고성장 기업 비중 크게 줄어들어 일자리 증가의 38% 책임지는 축이 사라져 성과 평가 예산 ..",
"source": "매일경제 : 경제"
},
{
"title": "“결제 보조수단 넘어 금융 강자로”…페이업계 판도 흔들",
"link": "https://www.mk.co.kr/news/economy/11996793",
"published": "Tue, 24 Mar 2026 14:49:54 +09:00",
"summary": "카드 밀리고 ‘네카토’ 3강 체제 굳어져 쇼핑 락인 전략, 안면인식…혁신 속도 단순 결제 넘어 ‘종합 금융 플랫폼’ 진화페이업계가 단순 결제를 넘어 종합 금융 플랫폼으로 진화하며 ..",
"source": "매일경제 : 경제"
},
{
"title": "“한국은 정말 208일 버틸 수 있을까” [나기자의 데이터로 세상읽기]",
"link": "https://www.mk.co.kr/news/economy/11996593",
"published": "Tue, 24 Mar 2026 12:00:00 +09:00",
"summary": "정부, 6개월치 비축분 있다 했지만 일일 소비량 따지면 실제는 2개월치 호르무즈 해협 봉쇄 장기화 될 경우 5~6월부터 원유 부족 현실화 가능성 정부, 석유가격 상한제·차량 부제..",
"source": "매일경제 : 경제"
}
],
"네이버_금융": [
{
"title": "한국거래소 절차 지연에 사업보고서 공시 못해…애프터마켓 주가 ‘뚝’ [시그널]",
"link": "https://finance.naver.com/news/news_read.naver?article_id=0004602886&office_id=011&mode=mainnews&type=&date=2026-03-24&page=1",
"published": "2026-03-24 17:10:11",
"summary": "이 기사는 2026년 3월 24일 14:58 자본시장 나침반 '시그널(Signal)' 에 표출됐습니다. 한국거래소의 감사보고서 공시 지..서울경제|2026-03-24 17:10:11",
"source": "네이버 금융"
},
{
"title": "“전기차 회복에도 갈 길 멀다”…이차전지, 반등 열쇠는 ‘가동률’",
"link": "https://finance.naver.com/news/news_read.naver?article_id=0006241958&office_id=018&mode=mainnews&type=&date=2026-03-24&page=1",
"published": "2026-03-24 17:09:12",
"summary": "이차전지 산업이 단기 반등 기대와 구조적 한계를 동시에 안고 있는 가운데 업황 회복의 핵심은 여전히 전기차(EV) 수요에 달려 있다는 ..이데일리|2026-03-24 17:09:12",
"source": "네이버 금융"
},
{
"title": "한기평 \"건설업, V자 반등 아닌 L자 침체 전망\"",
"link": "https://finance.naver.com/news/news_read.naver?article_id=0005739399&office_id=277&mode=mainnews&type=&date=2026-03-24&page=1",
"published": "2026-03-24 16:58:44",
"summary": "국내 건설업이 포트폴리오 획일화, 지정학적 리스크 등 다양한 요인이 더해지며 반등이 아닌 침체가 장기화할 수 있다는 전망이 나왔다. 철..아시아경제|2026-03-24 16:58:44",
"source": "네이버 금융"
},
{
"title": "트럼프 한마디에 또…비명 지르는 개미들",
"link": "https://finance.naver.com/news/news_read.naver?article_id=0001246458&office_id=215&mode=mainnews&type=&date=2026-03-24&page=1",
"published": "2026-03-24 16:57:29",
"summary": "도널드 트럼프 미국 대통령이 이란에 '48시간 최후통첩'을 내놓았다가 돌연 군사 행동을 유예하면서 글로벌 금융시장이 요동치고 있다. 이..한국경제TV|2026-03-24 16:57:29",
"source": "네이버 금융"
},
{
"title": "널뛰기 장세 지속…\"밸류 부담 덜어 분할 매수 전략 유효\"",
"link": "https://finance.naver.com/news/news_read.naver?article_id=0005334467&office_id=008&mode=mainnews&type=&date=2026-03-24&page=1",
"published": "2026-03-24 16:57:09",
"summary": "중동전쟁이 장기화할 것이란 우려가 커지면서 널뛰기 장세가 지속되고 있는 상황에서 지금을 주식 분할매수의 기회로 삼아야 한다는 의견이 나..머니투데이|2026-03-24 16:57:09",
"source": "네이버 금융"
},
{
"title": "기업가치 개선인가, 경영 발목잡기인가... 국민연금, 한진칼 조원태에 ‘묻지마 반대’ 흔들기",
"link": "https://finance.naver.com/news/news_read.naver?article_id=0001151193&office_id=366&mode=mainnews&type=&date=2026-03-24&page=1",
"published": "2026-03-24 16:54:19",
"summary": "2019년부터 지속적으로 ‘반대표’ 던져온 국민연금 “지배구조 개선 위한 견제 vs 경영 성과 감안하면 과도” 시장 평가 엇갈려 국민연..조선비즈|2026-03-24 16:54:19",
"source": "네이버 금융"
},
{
"title": "개미들 케이뱅크 공모주 투자 물렸는데...FI는 대거 회수",
"link": "https://finance.naver.com/news/news_read.naver?article_id=0005334452&office_id=008&mode=mainnews&type=&date=2026-03-24&page=1",
"published": "2026-03-24 16:48:09",
"summary": "케이뱅크가 IPO(기업공개) 이후 공모가를 20% 넘게 밑돌며 주가가 부진한 가운데 상장 전 출자했던 재무적투자자(FI)들과 주요주주들..머니투데이|2026-03-24 16:48:09",
"source": "네이버 금융"
},
{
"title": "'최윤범 백기사 교체' 재편…메리츠 6500억 단독 인수 가닥[only 이데일리]",
"link": "https://finance.naver.com/news/news_read.naver?article_id=0006241938&office_id=018&mode=mainnews&type=&date=2026-03-24&page=1",
"published": "2026-03-24 16:41:15",
"summary": "이 기사는 2026년03월24일 16시31분에 마켓인 프리미엄 콘텐츠로 선공개 되었습니다. 최윤범 고려아연 회장의 경영권 수성을 위한 ..이데일리|2026-03-24 16:41:15",
"source": "네이버 금융"
},
{
"title": "\"정신 차릴 수가 없네\" 요동치는 증시 '사이드카 발동' 속출",
"link": "https://finance.naver.com/news/news_read.naver?article_id=0005496628&office_id=014&mode=mainnews&type=&date=2026-03-24&page=1",
"published": "2026-03-24 16:41:13",
"summary": "지난달부터 두 달도 채 안 되는 기간 동안 유가증권시장에서 사이드카(프로그램매매 매수호가 효력정지) 발동 건수는 총 10건이다. 무엇보..파이낸셜뉴스|2026-03-24 16:41:13",
"source": "네이버 금융"
},
{
"title": "개미 26조원 쓸어담았지만…수익률은 외국인이 앞섰다",
"link": "https://finance.naver.com/news/news_read.naver?article_id=0006241937&office_id=018&mode=mainnews&type=&date=2026-03-24&page=1",
"published": "2026-03-24 16:41:13",
"summary": "이달 들어 외국인 투자자의 ‘셀 코리아’가 한층 거세진 가운데 개인 투자자는 26조원 넘게 순매수하며 급락장을 떠받쳤다. 다만 정작 개..이데일리|2026-03-24 16:41:13",
"source": "네이버 금융"
},
{
"title": "\"뚜껑 열면 기대 소멸\"…코스닥 바이오 대장주 '지각변동'",
"link": "https://finance.naver.com/news/news_read.naver?article_id=0005266306&office_id=015&mode=mainnews&type=&date=2026-03-24&page=1",
"published": "2026-03-24 16:41:12",
"summary": "코스닥 바이오 기업 대장주 순위가 바뀌고 있다. 신약·기술이전 기대감이 큰 종목에 투자 수요가 몰리는 분위기다. 24일 한국거래소에 따..한국경제|2026-03-24 16:41:12",
"source": "네이버 금융"
},
{
"title": "광통신株, AI 데이터처리 기술 부각에 '덩실'",
"link": "https://finance.naver.com/news/news_read.naver?article_id=0005334441&office_id=008&mode=mainnews&type=&date=2026-03-24&page=1",
"published": "2026-03-24 16:39:38",
"summary": "중동전쟁 장기화 우려에도 광통신 관련주가 최근 급등세를 보이고 있다. 인공지능(AI) 데이터 처리 효율을 높이기 위한 방법으로 광통신이..머니투데이|2026-03-24 16:39:38",
"source": "네이버 금융"
},
{
"title": "붉은사막 호조에도 펄어비스 주가약세…투심복귀 '쉽지않네'",
"link": "https://finance.naver.com/news/news_read.naver?article_id=0005334440&office_id=008&mode=mainnews&type=&date=2026-03-24&page=1",
"published": "2026-03-24 16:39:03",
"summary": "코스닥 게임 대장주 펄어비스가 신작 게임 '붉은사막' 출시로 빚은 주가 급락을 회복하지 못한 채 약세로 장을 마감했다. 초기 흥행과 지..머니투데이|2026-03-24 16:39:03",
"source": "네이버 금융"
},
{
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"title": "보험업계, 소비자 보호 '이사회 핵심 과제'로 격상…거버넌스 혁신 박차",
"url": "https://www.newsworks.co.kr/news/articleView.html?idxno=835257",
"description": "24일 보험업계에 따르면 동양생명은 최근 이사회 산하 소위원회로 '금융소비자보호 위원회'를 신설했다. 이번... 이에 따라 신한라이프와 한화손해보험은 소비자 보호 조직을 CEO 직속으로 편제하거나 CCO...",
"age": "1시간 전",
"source": "www.newsworks.co.kr"
},
{
"title": "삼성화재, 상법 개정 맞춰 지배구조 정비⋯독립이사 체계 반영",
"url": "https://www.etoday.co.kr/news/view/2568742",
"description": "실제 보험업계에서는 지난해 3월 정기주총 시즌을 전후해 한화손해보험과 동양생명, 흥국화재, DB손해보험, 미래에셋생명 등이 내부통제위원회 설치나 관련 규정 정비를 진행했다. 이번 개정은 주주총회 시즌과도 맞물려...",
"age": "1시간 전",
"source": "www.etoday.co.kr"
},
{
"title": "한화생명 김동원 신임 받는 유창민 사내이사로, 글로벌 투자 강화 속도...",
"url": "https://www.businesspost.co.kr/BP?command=article_view&num=433851",
"description": "<그래픽 비즈니스포스트> 24일 한화생명은 정기주주총회를 열고 유창민 한화생명 투자부문장 전무를 신규 사내이사로 선임했다. 보험업계에서는 투자부문장이 이사회에 진입한 점을 주목한다. 일반적으로 상장...",
"age": "1시간 전",
"source": "www.businesspost.co.kr"
},
{
"title": "2조 판 외인, 개인·기관이 받았다...코스피 급락분 만회, 강세 마감",
"url": "https://www.mt.co.kr/stock/2026/03/24/2026032415473396866",
"description": "코스피 업종별로는 음식료·담배, 전기·전자, 제약, 제조, 화학 등이 3%대, 보험, 금속, 통신, 종이·목재... 이어 SK스퀘어는 6%대, 셀트리온, SK하이닉스 등은 5%대, 한화에어로스페이스는 4%대, 삼성생명은 3%대 각각...",
"age": "1시간 전",
"source": "www.mt.co.kr"
},
{
"title": "보험업계 주총 흔드는 국민연금의 ‘그물망 검증’…실질적 견제구 던졌...",
"url": "http://www.thevaluenews.co.kr/news/view.php?idx=197613",
"description": "DB손해보험 주총에서 이사 보수한도 승인 안건에 일제히 반대표를 던진 데 이어, 현대해상의 자사주 처분 방식에서도 주가 안정 목적에 어긋난다며 제동을 걸었다. 24일 열린 주총에서도 이러한 기조는 이어졌다. 한화생명...",
"age": "1시간 전",
"source": "www.thevaluenews.co.kr"
},
{
"title": "[보험사 배타적사용권] '저출산 시대' 임산부 위한 특약은",
"url": "https://www.m-i.kr/news/articleView.html?idxno=1357377",
"description": "24일 보험업권에 따르면 한화손해보험은 손해보험협회로부터 최근 '한화 시그니처 여성 건강보험 4.0'에... 교보생명 역시 생명보험협회로부터 '교보더블업여성건강보험' 신규특약의 6개월 배타적사용권을 획득했다....",
"age": "1시간 전",
"source": "www.m-i.kr"
},
{
"title": "[보험 브리프] 삼성생명 KB손해보험 한화손해보험 NH농협손해보험 KB라이...",
"url": "https://www.s-journal.co.kr/news/articleView.html?idxno=39668",
"description": "■ 한화손보, '2025 연도대상' 개최… 문명옥·신윤순 공동 챔피언 한화손해보험은 '2025 연도대상 시상식'을... 이 상품은 NH농협금융지주 시니어 브랜드 'NH올원더풀'을 적용한 첫 생명보험 상품으로, 고령화에 따라 빠르게...",
"age": "2시간 전",
"source": "www.s-journal.co.kr"
}
],
"한화손해보험": [
{
"title": "인도네시아 리포보험 품은 한화손보, '법적 리스크' 첫 관문 넘었다…상...",
"url": "http://www.press9.kr/news/articleView.html?idxno=73985",
"description": "한화손해보험이 인도네시아 리포일반보험 경영권을 확보한 직후 마주했던 법적 걸림돌이 제거됐다. 현지 법원이 소송의 형식적 결함을 이유로 본안 심리 자체를 거부하면서 한화 측은 사법 리스크의 첫 고비를 넘기게...",
"age": "방금 전",
"source": "www.press9.kr"
},
{
"title": "[Biz&Law] 리포손보, 인니 P2P 보험금 소송 각하…法 \"당사자 오류\"",
"url": "http://www.seoulwire.com/news/articleView.html?idxno=712929",
"description": "한화손해보험 인도네시아 자회사 리포손해보험(이하 리포손보)이 현지 P2P(개인 간 거래) 대출 플랫폼 연체 사태와 관련한 보험금 청구 소송에서 법적 리스크를 해소했다. 수년 전 계약이 종료됐음에도 웹사이트에...",
"age": "3시간 전",
"source": "www.seoulwire.com"
},
{
"title": "고령운전자 증가에…안전장치 달면 보험료 깎아준다 어디?",
"url": "https://biz.sbs.co.kr/article_hub/20000299469?division=NAVER",
"description": "[기자] 한화손해보험은 지난 20일 자동차보험 '페달 오조작 방지장치 장착 할인 특별약관'에 대해 배타적 사용권을 신청했습니다. 배타적 사용권은 새로운 위험 담보나 독창적인 서비스 등을 개발한 보험사에 일정 기간...",
"age": "5시간 전",
"source": "biz.sbs.co.kr"
},
{
"title": "손해보험주 시그널 살펴보니…삼성화재·DB손보 중심 수급 유입, 흥국화...",
"url": "https://www.cbci.co.kr/news/articleView.html?idxno=562853",
"description": "롯데손해보험과 한화손해보험 역시 각각 0.99%, 0.89% 오르며 안정적인 흐름을 보였다. 반면 흥국화재는 소폭 하락하며 종목별 차별화가 나타났다. 업종 전반이 상승세를 보이는 가운데 일부 종목에서는 차익실현 매물이...",
"age": "5시간 전",
"source": "www.cbci.co.kr"
},
{
"title": "한화손보, 연도대상 시상식 진행",
"url": "http://www.popcornnews.net/news/articleView.html?idxno=116123",
"description": "한화손해보험은 지난 20일 오후 그랜드인터컨티넨탈 서울 파르나스에서 수상자와 임직원 300여 명이 참석한 가운데 '2025 연도대상 시상식'을 개최했다고 24일 밝혔다. 이날 수상자 리스트엔 234명의 영업가족과...",
"age": "6시간 전",
"source": "www.popcornnews.net"
},
{
"title": "\"AI가 대신 영업하는 시대, 사람의 향기는 설계사가 유일\"",
"url": "https://www.ebn.co.kr/news/articleView.html?idxno=1703182",
"description": "한화손해보험이 개최한 '2025 연도대상 시상식'은 보험업의 본질인 '사람의 가치'를 다시금 증명하는 자리였다. ◆두 거인의 만남, 35년의 집념과 18년의 성실이 빚은 공동 챔피언 이번 시상식의 백미는 단연 최고 영예인...",
"age": "7시간 전",
"source": "www.ebn.co.kr"
},
{
"title": "한화손보, ‘해외 자회사 1호’ 리포손보 실적 고공행진",
"url": "https://www.fetv.co.kr/news/article.html?no=215437",
"description": "작년 영업수익 3608억 순이익 2배 이상 증가 한화손해보험의 해외 자회사 1호인 인도네시아 리포(Lippo)손해보험이 실적 고공행진을 이어가고 있다. 지난해 계열사 한화생명으로부터 리포손보 지분을 넘겨받은...",
"age": "11시간 전",
"source": "www.fetv.co.kr"
},
{
"title": "[박종면칼럼] 금융 맡은 한화 차남 김동원의 길",
"url": "https://www.bloter.net/news/articleView.html?idxno=657396",
"description": "한화생명을 중심으로 한화손해보험, 한화자산운용, 한화저축은행, 한화금융서비스, 한화투자증권으로 이어지는 금융 계열 전반을 책임지고 있기 때문입니다. 그러나 경영을 맡는 것과 지배력을 확보하는 것은 전혀 다른...",
"age": "11시간 전",
"source": "www.bloter.net"
},
{
"title": "한화손해보험, '2025 연도대상 시상식' 개최",
"url": "https://weekly.hankooki.com/news/articleView.html?idxno=7156276",
"description": "한화손해보험은 지난 20일 그랜드인터컨티넨탈 서울 파르나스에서 '2025 연도대상 시상식'을 개최했다. 나채범 한화손해보험 대표이사(가운데)와 문명옥 창원지역단 동창원지점 명예전무(왼쪽), 그리고 신윤순...",
"age": "19시간 전",
"source": "weekly.hankooki.com"
},
{
"title": "한화손보, 2025 연도대상 시상식 개최",
"url": "https://www.upkoreanews.kr/news/articleView.html?idxno=97628",
"description": "사진=한화손해보험 한화손보는 지난 20일 오후 그랜드인터컨티넨탈 서울 파르나스에서 수상자와 임직원 300여명이 참석한 가운데 '2025 연도대상 시상식'을 개최했다고 23일 밝혔다. 이날 수상자 리스트엔 234명의...",
"age": "22시간 전",
"source": "www.upkoreanews.kr"
},
{
"title": "한화손보, '2025 연도 대상'서 우수 영업인 시상",
"url": "https://www.1conomynews.co.kr/news/articleView.html?idxno=47645",
"description": "한화손해보험이 영업가족과 우수영업관리자를 대상으로 '2025 연도대상 시상식'을 개최했다. 한화손보는 지난 20일 오후 그랜드인터컨티넨탈 서울 파르나스에서 수상자를 비롯한 임직원 300여 명이 참석한 가운데...",
"age": "23시간 전",
"source": "www.1conomynews.co.kr"
},
{
"title": "[더밸류 브리핑] 오늘의 손해보험 주요소식…KB손보‧한화손보‧현대해...",
"url": "http://www.thevaluenews.co.kr/news/view.php?idx=197588",
"description": "한화손해보험이 지난 한 해 우수한 영업 성과를 거둔 설계사들을 격려하는 ‘2025 연도대상’ 시상식을 개최했다. 현대해상이 유상용 이륜차 운전자를 대상으로 한 보험료 할인 혜택을 확대한다. ◆ KB손해보험...",
"age": "23시간 전",
"source": "www.thevaluenews.co.kr"
}
],
"삼성생명": [
{
"title": "삼성생명, IRP 신규 계좌 개설 이벤트 실시",
"url": "http://www.dailysmart.co.kr/news/articleView.html?idxno=121581",
"description": "삼성생명이 24일부터 개인형 퇴직연금(IRP) 고객을 대상으로 '연금 부자 김부장의 특급 제안' 이벤트를 실시한다. 이번 이벤트는 모니모 앱을 통해 삼성생명 IRP 신규 계좌를 개설한 뒤 1개월 이내 개인부담금을 일정...",
"age": "방금 전",
"source": "www.dailysmart.co.kr"
},
{
"title": "[A 보험가 소식] 삼성화재, 고성능 ADAS 차량 사고율 ↓ 外",
"url": "https://www.asiaa.co.kr/news/articleView.html?idxno=244363",
"description": "△삼성생명, IRP 신규 고객 '연금 부자 김부장의 특급 제안' 프로모션=삼성생명은 이날부터 모니모 앱을 통해 개인형 퇴직연금(IRP) 신규 계좌를 개설한 고객을 대상으로 '모니머니' 경품을 지급하는 프로모션을...",
"age": "방금 전",
"source": "www.asiaa.co.kr"
},
{
"title": "삼성생명, IRP 신규 계좌 개설 이벤트 진행…모니머니 최대 3만원 지급",
"url": "https://www.insightkorea.co.kr/news/articleView.html?idxno=243366",
"description": "삼성생명은 개인형 퇴직연금(IRP) 고객을 대상으로 '연금 부자 김부장의 특급 제안' 이벤트를 실시한다고 24일 밝혔다. 이번 이벤트는 모니모 앱을 통해 삼성생명 IRP 신규 계좌를 개설한 뒤 1개월 이내 개인부담금을...",
"age": "방금 전",
"source": "www.insightkorea.co.kr"
},
{
"title": "\"보험이라더니 돈 날릴 수도\"...신한·KB, 변액보험 설명 '미흡'",
"url": "http://www.fnnews.com/news/202603241639038791",
"description": "삼성생명·하나생명·교보생명·KDB생명·ABL생명 등 5곳은 ‘우수’ 평가를 받았고, 미래에셋금융서비스는 ‘양호’, 메트라이프는 ‘보통’ 평가를 받았다. 신한라이프와 KB라이프파트너스는 변액보험의 자산 운용 방식...",
"age": "방금 전",
"source": "www.fnnews.com"
},
{
"title": "'최종 확정' 최예슬·고현지 등 4인, 3x3 아시아컵 여자농구 대표…2년 ...",
"url": "https://www.stnsports.co.kr/news/articleView.html?idxno=314493",
"description": "협회는 지난 20일 제2차 경기력향상위원회에서 최예슬(삼성생명), 고현지(KB), 이두나(신한은행), 하지윤(하나은행)을 국가대표로 최종 선발했다. 이번 대표팀은 여자프로농구연맹(WKBL) 소속 선수들로 구성됐다. 시즌...",
"age": "방금 전",
"source": "www.stnsports.co.kr"
},
{
"title": "생보업계 '부동 1위'... 삼성생명, 70년 역사의 힘",
"url": "https://www.pressman.kr/news/articleView.html?idxno=100987",
"description": "국내 생명보험 업계에서 삼성생명의 1위 자리는 사실상 기정사실처럼 통한다. 경쟁사들이 치열하게 추격하는 동안에도 총자산 기준 시장점유율 30% 이상을 흔들림 없이 유지해왔다. 2025년 보험업계 전반이 순이익...",
"age": "방금 전",
"source": "www.pressman.kr"
},
{
"title": "DB손보, 얼라인 發 감사위원 선임…자본 규제 속 주주환원 압박 가시화",
"url": "https://www.kfenews.co.kr/news/articleView.html?idxno=655968",
"description": "현재 배당을 실시하는 상장 보험사는 삼성생명, 삼성화재, DB손해보험, 코리안리 등 4곳에 불과하다. 이는 자본 여력을 최대한 확보해 향후 보험금 지급과 규제 대응에 대비해야 하기 때문이다. 여기에 해약환급금준비금과...",
"age": "방금 전",
"source": "www.kfenews.co.kr"
},
{
"title": "더 세진 국민연금·자문사 입김...'주주권익' '지배구조'에 재계 긴장",
"url": "https://www.insightkorea.co.kr/news/articleView.html?idxno=243350",
"description": "글래스루이스는 삼성생명과 삼성화재의 사외이사 후보자가 소속된 법무법인이 해당 그룹에 법률 서비스를 제공하고 있어 독립성이 훼손될 수 있다며 우려를 표시했다. 재계 관계자는 \"올해 주총은 국민연금과 자문사...",
"age": "방금 전",
"source": "www.insightkorea.co.kr"
},
{
"title": "개미 26조원 쓸어담았지만…수익률은 외국인이 앞섰다",
"url": "http://www.edaily.co.kr/news/newspath.asp?newsid=04641206645386600",
"description": "외국인 순매수 상위엔 삼성생명, 셀트리온, 에이피알, HD현대중공업, 두산에너빌리티, 한화에어로스페이스, 효성중공업, KT&G, 삼성중공업, SK텔레콤 등이 이름을 올렸다. 이 가운데 에이피알은 6.40...",
"age": "방금 전",
"source": "www.edaily.co.kr"
},
{
"title": "[보험 pick] 삼성생명·교보생명·NH농협생명, 연금·교육·이벤트 등",
"url": "https://www.lcnews.co.kr/news/articleView.html?idxno=126002",
"description": "삼성생명이 개인형 퇴직연금(IRP) 고객을 대상으로 '연금 부자 김부장의 특급 제안' 이벤트를 진행한다.[사진=삼성생명] 라이센스뉴스 = 이소라 기자 | 생명보험사들이 연금 이벤트, 금융교육, 고객 참여형 프로모션 등을...",
"age": "방금 전",
"source": "www.lcnews.co.kr"
},
{
"title": "중동전쟁에 투자자 '희비'...개미는 '울고' 외국인은 '선방'",
"url": "https://www.g-enews.com/view.php?ud=202603241619473464edf69f862c_1",
"description": "저평가 매력이 부각된 삼성생명과 실적 반등세가 뚜렷한 에이피알, 바이오 대장주인 알테오젠 등을 장바구니에 담아 수익을 확정 지었다. 물론 외국인도 중동발 에너지 쇼크의 여파를 완전히 피하진 못했다. 순매수...",
"age": "방금 전",
"source": "www.g-enews.com"
},
{
"title": "[나눔 트렌드] 초록우산, 삼성생명과 협력해 유산기부 저변 확대…보험...",
"url": "https://www.ibabynews.com/news/articleView.html?idxno=149906",
"description": "◇ 초록우산, 삼성생명과 협력해 유산기부 저변 확대…보험.신탁도 기부된다 초록우산, 삼성생명과 협력해 유산기부 저변 확대…보험·신탁도 기부된다. ⓒ초록우산 아동복지전문기관 초록우산(회장 황영기)은...",
"age": "방금 전",
"source": "www.ibabynews.com"
},
{
"title": "[거래소 외국인 순매수도] LG엔솔·삼성SDI 집중 매수…다음 주도주는 여...",
"url": "https://www.pinpointnews.co.kr/news/articleView.html?idxno=439558",
"description": "여기에 삼성생명, OCI홀딩스, 한국카본, 한화시스템, 포스코퓨처엠 등도 순매수 흐름에 동참하며 업종 전반으로 매수세가 퍼지는 모습이다. 또한 현대건설, 풍산, 흥아해운까지 매수 목록에 포함되며 건설·방산·해운 등...",
"age": "방금 전",
"source": "www.pinpointnews.co.kr"
},
{
"title": "삼성생명, 개인형 퇴직연금 신규 고객 대상 이벤트 진행",
"url": "http://www.popcornnews.net/news/articleView.html?idxno=116202",
"description": "삼성생명은 개인형 퇴직연금(IRP) 고객을 대상으로 '연금 부자 김부장의 특급 제안' 이벤트를 실시한다고 24일 밝혔다. 이번 이벤트는 모니모 앱을 통해 삼성생명 IRP 신규 계좌를 개설한 뒤 1개월 이내 개인부담금을...",
"age": "1시간 전",
"source": "www.popcornnews.net"
},
{
"title": "[거래소 기관 순매수도] SK하이닉스 폭풍 매수, 삼성전자 매도…엇갈린...",
"url": "https://www.pinpointnews.co.kr/news/articleView.html?idxno=439554",
"description": "대한항공과 카카오페이, GS건설, 삼성생명, 풍산, DL이앤씨 등 역시 순매도 종목에 포함되며 업종 전반에 걸쳐 매물 출회가 진행 중이다. 시장 전문가들은 이번 기관 수급 흐름을 선별적 매수와 차익 실현의 병행으로...",
"age": "1시간 전",
"source": "www.pinpointnews.co.kr"
}
],
"삼성화재": [
{
"title": "배구판 '쩐의 전쟁' 서막…허수봉·정호영 등 'FA 대어' 거취는?",
"url": "https://www.nocutnews.co.kr/news/6490289?utm_source=naver&utm_medium=article&utm_campaign=20260324051217",
"description": "이 밖에도 이상현(우리카드), 황승빈(현대캐피탈), 김우진(삼성화재) 등 준척급 자원들의 이동 여부도 주목된다. 여자부에서는 정호영, 이선우(이상 정관장), 김다인(현대건설) 등 이른바 '빅3'가 시장을 주도할...",
"age": "방금 전",
"source": "www.nocutnews.co.kr"
},
{
"title": "2월 자동차보험 손해율 86.7%…적자 구조화·장기화",
"url": "https://view.asiae.co.kr/article/2026032416350218217",
"description": "24일 손해보험업계에 따르면 지난달 삼성화재·현대해상·DB손해보험·KB손해보험 등 대형 4개사의 자동차보험 손해율(4개사 단순 평균)은 86.7%로 집계됐다. 전년 동월(88.5%) 대비 1.8%포인트 하락한 수치다. 다만 통상...",
"age": "방금 전",
"source": "view.asiae.co.kr"
},
{
"title": "5세대 실손 임박···병원 도수치료 등 비급여 의존 '흔들'",
"url": "http://www.finomy.com/news/articleView.html?idxno=251946",
"description": "업계에서는 4월 초를 전후해 삼성화재·현대해상·DB손해보험·KB손해보험 등 주요 손보사를 중심으로 5세대 실손보험이 순차 출시될 것으로 보고 있다. 이번 5세대 실손보험 핵심은 필수의료(중증·급여) 보장은...",
"age": "방금 전",
"source": "www.finomy.com"
},
{
"title": "보험료 올려도 적자 지속…車보험 지난달 손해율 86.7%",
"url": "https://www.g-enews.com/view.php?ud=202603241606409377e30fcb1ba8_1",
"description": "24일 손해보험업계에 따르면 삼성화재·현대해상·DB손해보험·KB손해보험 등 대형 손보사 4곳의 지난 2월 자동차보험 손해율은 평균 86.7%를 기록했다. 이는 전년 동월 대비 1.8%포인트 하락한 수준이다. 다만 업계에서...",
"age": "1시간 전",
"source": "www.g-enews.com"
},
{
"title": "보험료 인상 효과 '글쎄'··· 車보험, 2월에도 적자 행진",
"url": "http://www.finomy.com/news/articleView.html?idxno=251951",
"description": "24일 손해보험업계에 따르면 삼성화재·현대해상·DB손해보험·KB손해보험 등 대형 손보사의 지난달 자동차보험 손해율은 86.2%로 집계됐다. 이는 전년 동월 대비 2%포인트 안팎 하락한 수치지만, 업계가 손익분기점으로...",
"age": "1시간 전",
"source": "www.finomy.com"
},
{
"title": "2월 자동차보험 손해율 86.2%…\"향후 전망도 부정적\"",
"url": "https://www.ajunews.com/view/20260324154147583",
"description": "24일 손해보험업계에 따르면 주요 5개 손보사(메리츠화재·삼성화재·현대해상·KB손해보험·DB손해보험)의 지난 2월 자동차 보험 손해율은 86.2%로 집계됐다. 전년 동기(88.7%) 대비 2.5%포인트 하락했지만, 여전히 80...",
"age": "1시간 전",
"source": "www.ajunews.com"
},
{
"title": "보험료 올렸는데 손해율 88%…차보험 ‘적자 구조’ 여전",
"url": "http://www.edaily.co.kr/news/newspath.asp?newsid=04444406645386600",
"description": "자동차보험료 인상에도 손해율이 높은 수준을 이어가며 구조적 문제가 고착화되고 있다는 지적이 나온다.(사진=게티이미지뱅크) 24일 손해보험업계에 따르면 자동차보험 시장점유율 85%를 차지하는 삼성화재·DB손해보험...",
"age": "1시간 전",
"source": "www.edaily.co.kr"
},
{
"title": "지난달 자동차보험 손해율 86%... 보험료 올렸는데 '적자' 지속",
"url": "http://www.joseilbo.com/news/news_read.php?uid=565222&class=18&grp=",
"description": "24일 손해보험업계에 따르면 지난달 삼성화재, 메리츠화재, DB손해보험, 현대해상, KB손해보험 등 5개 대형 손해보험사의 자동차보험 손해율은 86.2%로 집계됐다. 이는 전년 동기 대비 2.5%포인트 낮아진 수치지만, 여전히...",
"age": "1시간 전",
"source": "www.joseilbo.com"
}
],
"교보생명": [
{
"title": "교보생명, 정기 주총서 안철경 전 보험연구원장 사외이사 선임한다",
"url": "http://www.fins.co.kr/news/articleView.html?idxno=107978",
"description": "교보생명이 올해 정기 주주총회에서 안철경 전 보험연구원장을 사외이사로 선임하는 방안을 추진할 것으로 알려졌다. 사외이사 임기 만료에 따른 교체 국면과 맞물려 정책·제도 전문가를 이사회에 영입해 경영...",
"age": "방금 전",
"source": "www.fins.co.kr"
},
{
"title": "교보생명, 금융취약계층 대상 '맞춤형 금융교육' 나서",
"url": "http://www.thefirstmedia.net/news/articleView.html?idxno=196240",
"description": "사진=교보생명 교보생명은 금융취약계층인 장애학생의 원활한 금융 활동을 돕기 위한 맞춤형 금융교육에 나섰다고 24일 밝혔다. 이번 금융교육은 정부의 상생∙포용금융 정책 기조에 발맞춰 금융취약계층의 금융...",
"age": "방금 전",
"source": "www.thefirstmedia.net"
},
{
"title": "'4연임' 김문석 SBI저축은행 대표…교보생명과 시너지 주목",
"url": "https://www.insightkorea.co.kr/news/articleView.html?idxno=243353",
"description": "교보생명에 편입된 SBI저축은행의 김문석 대표가 4연임에 성공하며 경영 연속성을 이어가게 됐다. 가장 큰 변수를 걷어낸 김 대표가 최대 과제인 조직 안정화와 교보와의 시너지 전략을 어떻게 설계해 나갈지 관심이...",
"age": "방금 전",
"source": "www.insightkorea.co.kr"
},
{
"title": "교보생명, 금융취약계층 장애학생 대상 '맞춤형 금융교육' 강화",
"url": "http://www.economytalk.kr/news/articleView.html?idxno=419462",
"description": "교보생명이 정부의 상생·포용금융 정책 기조에 발맞춰 금융취약계층의 금융 접근성을 높이고 금융범죄 피해 확산을 방지하기 위한 실효성 있는 금융교육 강화에 나선다. 교보생명은 금융취약계층인 장애학생의 원활한...",
"age": "방금 전",
"source": "www.economytalk.kr"
},
{
"title": "안철경 전 보험연구원장, 교보생명 사외이사로",
"url": "https://news.dealsitetv.com/articles/167420",
"description": "교보생명이 사외이사로 안철경 전 보험연구원장을 영입한다. 교보생명은 오는 27일 정기주주총회를 열고 안 전 원장을 사외이사로 선임하는 안건을 상정할 예정이다. 이와 함께 상법 개정에 따른 정관 변경, 감사위원...",
"age": "방금 전",
"source": "news.dealsitetv.com"
},
{
"title": "교보생명, 취약계층 대상 ‘맞춤형 금융교육’ 실시",
"url": "https://www.cnbnews.com/news/article.html?no=785397",
"description": "교보생명이 장애학생의 원활한 금융 활동을 돕기 위한 맞춤형 금융교육을 실시한다고 24일 밝혔다. 지난 19일 서울 영등포구 소재 관악고등학교 특수학급 학생들을 대상으로 올해 첫 금융교육을 시작, 일회성 행사에...",
"age": "방금 전",
"source": "www.cnbnews.com"
},
{
"title": "교보생명, 금융취약계층 원할한 금융 활동 지원 위해 '맞춤형 금융교육...",
"url": "http://www.popcornnews.net/news/articleView.html?idxno=116207",
"description": "교보생명은 금융취약계층인 장애학생의 원활한 금융 활동을 돕기 위한 맞춤형 금융교육에 나섰다고 24일 밝혔다. 이번 금융교육은 정부의 상생∙포용금융 정책 기조에 발맞춰 금융취약계층의 금융 접근성을 높이고...",
"age": "1시간 전",
"source": "www.popcornnews.net"
},
{
"title": "교보생명, 금융취약계층 대상 맞춤형 금융교육 실시",
"url": "https://www.econovill.com/news/articleView.html?idxno=734574",
"description": "교보생명은 금융취약계층인 장애학생을 대상으로 맞춤형 금융교육을 실시한다고 24일 밝혔다. 이번 교육은 금융취약계층의 금융 접근성을 높이고 보이스피싱 등 금융범죄 피해를 예방하기 위해 마련됐다. 교보생명은...",
"age": "1시간 전",
"source": "www.econovill.com"
},
{
"title": "[금융 브리핑] 교보생명·삼성생명",
"url": "http://www.niceeconomy.co.kr/news/articleView.html?idxno=89504",
"description": "◇교보생명, 금융취약계층 대상 '맞춤형 금융교육' 실시 교보생명은 금융취약계층인 장애학생의 금융 활동을 돕기 위한 맞춤형 금융교육을 실시한다고 24일 밝혔다. 이번 금융교육은 금융취약계층의 금융 접근성을...",
"age": "1시간 전",
"source": "www.niceeconomy.co.kr"
},
{
"title": "교보생명, 안철경 전 보험연구원장 사외이사로 영입",
"url": "https://news.einfomax.co.kr/news/articleView.html?idxno=4405629",
"description": "교보생명이 사외이사로 보험전문가인 안철경 전 보험연구원장을 영입한다. 24일 보험업계에 따르면 교보생명은 오는 27일 정기 주주총회에서 안철경 전 원장을 감사위원이 되는 사외이사로 선임할 것으로 알려졌다....",
"age": "1시간 전",
"source": "news.einfomax.co.kr"
},
{
"title": "안철경 전 보험연구원장, 교보생명 사외이사로",
"url": "https://news.bizwatch.co.kr/article/finance/2026/03/24/0033",
"description": "안철경 전 보험연구원장이 교보생명 사외이사로 합류한다. 24일 보험업계에 따르면 안 전 원장은 오는 27일 교보생명 정기주주총회에서 사외이사로 선임될 예정인 것으로 알려졌다. 사외이사는 회사의 경영 의사결정에...",
"age": "1시간 전",
"source": "news.bizwatch.co.kr"
},
{
"title": "교보생명, 금융취약계층 대상 ‘맞춤형 금융교육’ 나서",
"url": "https://www.donga.com/news/Economy/article/all/20260324/133596051/1",
"description": "교보생명은 금융 취약계층인 장애 학생들의 원활한 금융 활동을 돕기 위해 ‘맞춤형 금융교육’에 나섰다고 24일 밝혔다. 교보생명은 19일 서울 영등포구에 위치한 관악고등학교 특수학급 학생들과 함께 올해 첫...",
"age": "1시간 전",
"source": "www.donga.com"
},
{
"title": "[보험사 풍향계] 교보생명, 금융취약계층 접근성 향상 도와 外",
"url": "https://www.ekn.kr/web/view.php?key=20260324027510666",
"description": "◇교보생명, 금융취약계층 접근성 향상 도와 교보생명이 정부의 상생·포용금융 기조에 맞춰 금융취약계층의 접근성을 높이고 보이스피싱을 비롯한 금융 범죄 피해 확산을 막기 위한 노력을 기울인다. 교보생명은...",
"age": "1시간 전",
"source": "www.ekn.kr"
},
{
"title": "교보생명, 취약계층 지원 실효성 제고..맞춤형 금융 교육 실시",
"url": "https://kpenews.com/View.aspx?No=4015190",
"description": "한국정경신문 차유민 기자 chayumingg@gmail.com [한국정경신문=차유민 기자] 교보생명이 취약계층을 고려한 금융 교육에 나섰다.교보생명은 금융취약계층인 장애 학생의 원활한 금융 활동을 돕기 위한 맞춤형 금융 교육을...",
"age": "1시간 전",
"source": "kpenews.com"
},
{
"title": "\"올바른 경제관념·금융지식 자립필수역량\" 교보생명, 금융취약계층 대...",
"url": "https://www.catchnews.kr/news/articleView.html?idxno=121920",
"description": "교보생명이 지난 19일 서울 영등포구 관악고등학교에서 학생들을 대상으로 맞춤형 금융교육을 진행하고 있다. [사진 교보생명] 교보생명이 정부의 상생·포용금융 정책 기조에 발맞춰, 연말까지 금융 취약계층인 장애...",
"age": "1시간 전",
"source": "www.catchnews.kr"
}
],
"보험사_자산운용": [
{
"title": "생보사 변액보험 판매량 1년새 46%↑…당국, 소비자주의 당부",
"url": "https://www.mediapen.com/news/view/1088879",
"description": "지난해 국내 생명보험사의 변액보험 판매량이 46% 이상 폭증한 가운데, 대부분의 회사가 변액보험의 자산운용 방식 및 위법계약해지권에 대한 설명이 미흡한 것으로 드러났다. 금융당국은 생보사의 변액보험 판매절차가...",
"age": "방금 전",
"source": "www.mediapen.com"
},
{
"title": "금감원, 변액보험 암행 평가…신한·KB \"상품설명 부족해 '미흡'\"",
"url": "https://www.thepublic.kr/news/articleView.html?idxno=298539",
"description": "변액보험의 자산 운용 방식과 금융소비자보호법상 위법 계약 해지권에 대한 설명이 부족했다\"고 설명했다. 금감원은 미흡으로 평가된 보험사 두 곳에 대해서 개선계획을 수립하도록 지도했다. 변액보험 판매는 최근...",
"age": "방금 전",
"source": "www.thepublic.kr"
},
{
"title": "증시 활황에 지난해 펀드 등 투자하는 ‘변액보험’ 가입 46% 증가",
"url": "https://www.donga.com/news/Economy/article/all/20260324/133596225/1",
"description": "24일 금융감독원에 따르면 22개 생명보험사의 지난해 변액보험 초회보험료는 2조8900억 원으로 전년(1조9700억... 이들 회사는 변액보험의 자산운용 방식, 금융소비자보호법상 위법 계약 해지권에 대한 설명이 미흡한...",
"age": "방금 전",
"source": "www.donga.com"
},
{
"title": "금감원, 변액보험 암행 점검… 신한라이프·KB라이프파트너스 ‘미흡’",
"url": "https://www.khan.co.kr/article/202603241600011",
"description": "자산운용 방식과 금융소비자보호법상 위법계약해지권에 대한 설명이 미흡했다”고 말했다. 금감원에 따르면 지난해 변액보험 초회보험료는 2조8900억원으로 전년(1조9700만원)보다 46.2% 증가했다. 금감원은 보험사 간...",
"age": "1시간 전",
"source": "www.khan.co.kr"
},
{
"title": "증시 활황에 불티난 변액보험…불완전판매 우려 '고개'",
"url": "https://www.ntoday.co.kr/news/articleView.html?idxno=126099",
"description": "24일 금융감독원이 공개한 '변액보험 판매 절차 미스터리쇼핑' 결과에 따르면, 생명보험사 7곳과 자회사형 GA 2곳은 전반적으로 양호한 평가를 받았다. 다만 일부 회사는 자산운용 방식과 위법계약해지권 설명이 미흡한...",
"age": "1시간 전",
"source": "www.ntoday.co.kr"
},
{
"title": "금감원, 변액보험 9곳 점검…신한·KB 판매절차 ‘미흡’",
"url": "https://www.thepowernews.co.kr/view.php?ud=202603241539352273de3f0aa1be_7",
"description": "변액보험 판매가 빠르게 늘고 있는 가운데 생명보험사들의 판매 절차는 전반적으로 양호한 수준으로... 반면 청약철회 안내는 ‘보통’, 변액보험의 자산운용 방식과 금융소비자보호법상 위법계약해지권 설명은...",
"age": "1시간 전",
"source": "www.thepowernews.co.kr"
},
{
"title": "금감원 변액보험 점검서 신한·KB 계열 '미흡' … 상품 설명 부실",
"url": "https://biz.newdaily.co.kr/site/data/html/2026/03/23/2026032300340.html",
"description": "평가 항목별로 보면 변액보험의 자산운용 방식과 위법계약해지권에 대한 설명이 공통적으로 미흡한 것으로 파악됐다. 위법계약해지권은 보험사가 적합성 원칙이나 설명 의무 등을 위반했을 때 소비자가 계약 해지를...",
"age": "1시간 전",
"source": "biz.newdaily.co.kr"
},
{
"title": "변액보험 가입 절차 신한·KB ‘미흡’…금감원 “정보 제공 부족”",
"url": "https://www.hani.co.kr/arti/economy/finance/1250833.html",
"description": "생명보험사 신한라이프와 보험대리점 케이비(KB)라이프파트너스가 변액보험을 판매하면서 고객에게 필요한... ‘미흡’ 평가를 받은 신한라이프와 케이비라이프파트너스는 변액보험의 자산 운용 방식, 위법한 계약을...",
"age": "2시간 전",
"source": "www.hani.co.kr"
},
{
"title": "변액보험 판매 미스터리 쇼핑 결과… \"원금보장 안돼\" 소비자 유의 필요",
"url": "https://www.m-i.kr/news/articleView.html?idxno=1357301",
"description": "금감원은 지난해 9~11월 생명보험사 7개사와 자회사 GA 2개사를 대상으로 변액보험 판매 절차 '미스터리쇼핑... 다만 변액보험의 자산운용 방식 및 금융소비자보호법상 위법계약해지권에 대한 설명이 미흡한 것으로...",
"age": "2시간 전",
"source": "www.m-i.kr"
},
{
"title": "금감원, 변액보험 미스터리쇼핑 점검…신한·KB '미흡'",
"url": "https://www.kbanker.co.kr/news/articleView.html?idxno=224498",
"description": "변액보험의 자산운용 방식과 금융소비자보호법상 위법계약해지권에 대한 설명은 부족한 것으로 파악했다. 변액보험 판매 증가와 함께 소비자 민원도 늘고 있다. 지난해 변액보험 관련 민원은 1308건으로 전체 생명보험...",
"age": "2시간 전",
"source": "www.kbanker.co.kr"
},
{
"title": "신한·KB라이프, 변액보험 설명 '미흡'...9개사 중 꼴찌",
"url": "https://www.dailybrief.co.kr/news/articleView.html?idxno=5385",
"description": "9개 생명보험사 중에 최하위 점수를 기록했다. 금감원은 \"대다수 회사가 적합성원칙을 준수하고 변액보험 구조나 투자위험 등을 충분히 설명했다\"라며 \"변액보험의 자산운용방식과 금융소비자보호법상...",
"age": "2시간 전",
"source": "www.dailybrief.co.kr"
},
{
"title": "美 사모대출펀드 '환매 러시' 지속…국내 금융시장 긴장",
"url": "https://www.newsis.com/view/NISX20260324_0003561250",
"description": "대형 공제회 역시 수익률 제고를 위해 사모신용을 주요 자산군으로 편입해 운용해왔다. 보험사들의 경우 자본 건전성 규제에 따라 사모신용투자 비중을 1~3% 이내로 관리하고 있지만, 약 900조원(생명보험사·손해보험사...",
"age": "3시간 전",
"source": "www.newsis.com"
},
{
"title": "급성장한 변액보험, '미스터리쇼핑' 해보니 신한라이프 등 2곳 '미흡'",
"url": "https://www.hankookilbo.com/news/article/A2026032411510004186?did=NA",
"description": "금융감독원이 생명보험사의 변액보험 판매 절차를 점검한 결과 신한라이프와 KB라이프파트너스가 '미흡... 미흡 판정을 받은 두 보험사는 자산운용 방식과 금융소비자보호법상 위법계약해지권에 대한 설명이 충분치...",
"age": "3시간 전",
"source": "www.hankookilbo.com"
},
{
"title": "변액보험, 역대급 불장에 실적 경쟁 과열...신한라이프·KB라이프파트너...",
"url": "https://www.greened.kr/news/articleView.html?idxno=338406",
"description": "[사진=금융감독원] 금융감독원이 생명보험사를 대상으로 변액보험 판매절차 점검을 위한 미스터리쇼핑을... 다만 변액보험의 자산운용 방식 및 금융소비자보호법상 위법계약해지권에 대한 설명이 미흡한 것으로...",
"age": "3시간 전",
"source": "www.greened.kr"
},
{
"title": "금감원, 변액보험 미스터리쇼핑 결과 발표... 삼성·교보 등 5개사 '우수...",
"url": "https://www.pointe.co.kr/news/articleView.html?idxno=76247",
"description": "금감원은 24일 주요 생명보험사를 대상으로 실시한 변액보험 판매 절차 '미스터리쇼핑(Mystery Shopping)' 결과를... 전반적인 모집 준수사항은 양호한 수준이었으나, 변액보험의 자산운용 방식이나 금융소비자보호법상...",
"age": "3시간 전",
"source": "www.pointe.co.kr"
}
],
"보험사_투자수익": [
{
"title": "건강보험 약품비 27조 7천억…전년보다 5.6% 늘어 - 노컷뉴스",
"url": "https://nocutnews.co.kr/news/6489177",
"description": "2024년 건강보험 약품비가 27조 6625억 원으로 전년(26조 1966억 원)보다 5.",
"age": "20 hours ago",
"source": "nocutnews.co.kr"
},
{
"title": "M이코노미뉴스",
"url": "https://m-economynews.com/news/article.html?no=65703",
"description": "인터넷 뉴스, 경제매거진 잡지 전문업체, 이슈, 칼럼, 경제소식 등 정보 제공",
"age": "1 day ago",
"source": "m-economynews.com"
},
{
"title": "법인세 15조·증권거래세 5조 더 걷힌다…빚없이 25조 추경 - 매일경제",
"url": "https://mk.co.kr/news/economy/11996298",
"description": "상장사 영업익 600조 넘을듯 성과급에 근로소득세 늘고 증권거래대금 증가도 한몫 기획처, 물류·유류비 경감 취약층 피해기업 집중 지원",
"age": "9 hours ago",
"source": "mk.co.kr"
},
{
"title": "보장성 확대 등 영향으로 건강보험 약품비 27조 넘어서",
"url": "https://rapportian.com/news/articleView.html?idxno=233826",
"description": "[라포르시안] 국민건강보험공단(이사장 정기석)은 2024년 급여의약품 지출현황 분석 결과, 건강보험 약품비는 27조 6,625억 원으로 전년(26조 1,966억 원) 대비 약 1조",
"age": "1 day ago",
"source": "rapportian.com"
}
],
"금융위_보험규제": [
{
"title": "[단독] ‘건전성 뇌관’ 새마을금고 공제 킥스 도입, 1년째 ‘올스톱’...",
"url": "https://www.viva100.com/article/20260324501155",
"description": "구조상 보험사와 차이가 없는 상호금융 공제상품들이 여전히 느슨한 규제인 RBC 비율에 매달리고 있다는... 상호금융권의 파편화된 관리 체계가 자리 잡고 있다. 현재 새마을금고는 행안부, 신협은 금융위원회, 수협은...",
"age": "1시간 전",
"source": "www.viva100.com"
},
{
"title": "\"중동 사태 장기화에 전쟁위험보험료 급등\"…보험사, 손해율 악화 우려",
"url": "http://www.economytalk.kr/news/articleView.html?idxno=419401",
"description": "금융위원회와 보험업권에 따르면 호르무즈 해협 내 정박 중이거나 관련 지역을 이동하는 선박들은 기존의 선박보험 전쟁위험담보 특약은 취소되고 새로운 보험계약 체결이 진행된다. 또 현재 보험사들은 재가입 절차를...",
"age": "9시간 전",
"source": "www.economytalk.kr"
}
],
"금감원_보험감독": [
{
"title": "“폐 절제 수술했지만 보험금 지급 거절”…실손보험 피해 사례 보니",
"url": "https://www.mk.co.kr/article/11997022",
"description": "또 직장암으로 투병 중인 김태동씨는 주치의 권고로 치료를 받았지만, 과잉 치료로 몰아세우고 오히려 감독기관인 금융감독원마저 보험사의 손해율을 언급하며 실손제도 개혁을 추진하고 있다고 지적했다. 이날 발제를...",
"age": "방금 전",
"source": "www.mk.co.kr"
},
{
"title": "“실손보험, 병마보다 무섭다”…보험사 ‘직접치료’ 자의적 해석 논란",
"url": "https://akomnews.com/bbs/board.php?bo_table=news&wr_id=66680",
"description": "보험사의 소송 남용 억제와 금융감독 기능의 실효성 강화를 위한 방안으로 △중증질환자 대상의 경우 소송... 금융감독당국은 제도 개선 필요성에는 공감하면서도 구조적 제약을 언급했다. 전현욱 금융감독원...",
"age": "방금 전",
"source": "akomnews.com"
},
{
"title": "실손보험, 더 이상 '제2의 건강보험' 아니다…중증질환자 지급거절 '구...",
"url": "http://www.doctorsnews.co.kr/news/articleView.html?idxno=163832",
"description": "이태연 대한의사협회 부회장 ⓒ의협신문 의료자문 제도와 관련해서는 \"보험사 중심 구조에서 벗어나기 위해 올해 2월 대한의사협회와 금융감독원이 제3자 의료자문 협약 체계를 마련했다\"며 \"기존 자문제도의 공정성...",
"age": "방금 전",
"source": "www.doctorsnews.co.kr"
},
{
"title": "금감원, 보험사기 신고 포상 기간·대상 확대...\"특별포상금 최대 5000만...",
"url": "https://www.greened.kr/news/articleView.html?idxno=338433",
"description": "[사진=금융감독원] 금융당국이 경찰청의 보험사기 특별단속 일정에 맞춰 '보험사기 신고·포상 기간'을 7개월 연장하고, 신고 상품군과 신고 대상 등도 확대하기로 했다. 24일 <녹색경제신문>의 취재를 종합하면 이날...",
"age": "1시간 전",
"source": "www.greened.kr"
},
{
"title": "\"교통사고 나면 잘해드려요\"…'차 보험사기 병원' 신고하면 5000만원",
"url": "https://economist.co.kr/article/view/ecn202603240037",
"description": "금융감독원은 24일 보험사기 특별신고 기간을 10월 31일까지 7개월 연장하고, 신고 대상으로 자동차 보험을 추가했다고 밝혔다. 그 동안 특별 신고·포상 대상에는 실손 보험사기 의심 병·의원에 한정됐지만, 이제는...",
"age": "1시간 전",
"source": "economist.co.kr"
},
{
"title": "금감원, 보험사기 '특별 신고·포상 기간' 10월까지 연장",
"url": "http://www.intn.co.kr/news/articleView.html?idxno=2049764",
"description": "또 신고처는 금융감독원·보험회사의 보험사기 신고센터로 기존과 동일하다. 아울러 금감원은 특별포상금과 생·손보협회가 운영하는 보험범죄 신고포상금을 지급한다고 전했다. 지급대상에는 자동차 정비·렌터카...",
"age": "1시간 전",
"source": "www.intn.co.kr"
},
{
"title": "보험사기 특별신고 기간 10월 31일까지 연장…자동차 정비업체·렌터카...",
"url": "https://www.imaeil.com/page/view/2026032415213919421",
"description": "금융감독원은 경찰청, 생명보험협회, 손해보험협회과 '보험사기 특별 신고·포상 기간 확대 운영' 방안을 24일 발표했다. 이번 방안은 당초 올해 1월 12일부터 3월 31일까지로 예정됐던 특별 신고 기간을 경찰청의 '보험사기...",
"age": "1시간 전",
"source": "www.imaeil.com"
},
{
"title": "금감원, 변액보험 점검…신한라이프ㆍKB라이프파트너스 낙제점",
"url": "https://www.dnews.co.kr/uhtml/view.jsp?idxno=202603241455247550449",
"description": "금융감독원이 지난해 판매가 증가한 변액보험에 대한 미스터리쇼핑 점검 결과 신한라이프와... 금감원은 24일 작년 9∼11월 생명보험사를 대상으로 변액보험 판매 절차 점검을 위한 미스터리쇼핑을 시행한 결과를...",
"age": "1시간 전",
"source": "www.dnews.co.kr"
},
{
"title": "\"증권사가 내 주식 다 팔았어요\"…금감원, '반대매매 주의보'[강진규의 데이터너머]",
"url": "https://www.hankyung.com/article/202603239110i",
"description": "\"증권사가 내 주식 다 팔았어요\"…금감원, '반대매매 주의보'[강진규의 데이터너머], 강진규 기자, 증권",
"age": "1 day ago",
"source": "www.hankyung.com"
},
{
"title": "[인사] 한겨레신문사",
"url": "https://jeonmae.co.kr/news/articleView.html?idxno=1240952",
"description": "◇ 미디어본부 편집국▲ 사회데스크 정환봉 ▲ 디지털데스크 이지은 ▲ 정치데스크 이승준 ▲ 디스토리팀장 황예랑 ▲ 디자인부 인포그래픽1팀장 박향미 ▲ 〃 인포그래픽2팀장 이임정 ▲ 〃 텍스트ESC디자인팀장 김은정 ...",
"age": "1 day ago",
"source": "jeonmae.co.kr"
},
{
"title": "상장사 된 케이뱅크, 이사회 판 갈며 '인적 쇄신' 승부수 - 신아일보",
"url": "https://shinailbo.co.kr/news/articleView.html?idxno=5003794",
"description": "상장사로 거듭난 케이뱅크가 이달 말 정기 주주총회를 기점으로 이사회 구성원을 대거 교체하며 대대적인 인적 쇄신에 나선다. 상장 이후 첫 주총에서 경영 전략과 규제",
"age": "1 day ago",
"source": "shinailbo.co.kr"
},
{
"title": "[인사] 금융위원회 - 이투데이",
"url": "https://etoday.co.kr/news/view/2568392",
"description": "◇ 고위공무원 전보△ 국민성장펀드추진단장 손영채 △ 대변인 이동훈",
"age": "1 day ago",
"source": "etoday.co.kr"
},
{
"title": "[인사] 삼진제약",
"url": "https://enewstoday.co.kr/news/articleView.html?idxno=2409459",
"description": "▲ 스페셜티케어(SC) 지부장(이사) 서영현 · ※ 여러분의 제보가 뉴스가 됩니다. 각종 비리와 부당대우, 사건사고와 미담, 소비자 고발 등 모든 얘깃거리를 알려주세요",
"age": "1 day ago",
"source": "enewstoday.co.kr"
},
{
"title": "[인사] 산업통상부 부이사관급",
"url": "https://todayenergy.kr/news/articleView.html?idxno=295594",
"description": "[투데이에너지] ■ 부이사관 승진▲ 부이사관 임용(서기관) 정 권 / 현직부서 : 운영지원과장▲ 부이사관 임용(서기관) 박태현 / 현직부서 : 산업정책과장▲ 부이사관 임용(서기관) 이민영 / 현직부서 : 자원안보정책과장▲ ...",
"age": "12 hours ago",
"source": "todayenergy.kr"
},
{
"title": "<오늘의 인사> | 아주경제",
"url": "https://ajunews.com/view/20260323133124382",
"description": "◇삼진제약▷스페셜티케어(SC) 지부장(이사) 서영현◇한국직업능력연구원 △전보▷경영지원본부장 신규▷감사실장 김영종 ▷운영지원팀장 백숙희◇외교부▷동남아2과장 송송민...",
"age": "1 day ago",
"source": "ajunews.com"
}
]
}
},
"krx_trading_data": {
"timestamp": "2026-03-24T08:16:36.501949",
"date": "2026-03-24",
"kospi": {
"data_date": "26.03.24",
"개인": {
"value_bil": 7225.0,
"value_tril": 0.7225,
"formatted": "+0.72조"
},
"외국인합계": {
"value_bil": -19864.0,
"value_tril": -1.9864,
"formatted": "-1.99조"
},
"기관합계": {
"value_bil": 9683.0,
"value_tril": 0.9683,
"formatted": "+0.97조"
},
"금융투자": {
"value_bil": 10178.0,
"value_tril": 1.0178,
"formatted": "+1.02조"
},
"보험": {
"value_bil": -320.0,
"value_tril": -0.032,
"formatted": "-320억"
},
"투신": {
"value_bil": -734.0,
"value_tril": -0.0734,
"formatted": "-734억"
},
"연기금": {
"value_bil": 435.0,
"value_tril": 0.0435,
"formatted": "+435억"
},
"기타법인": {
"value_bil": 2956.0,
"value_tril": 0.2956,
"formatted": "+0.30조"
}
},
"kosdaq": {
"data_date": "26.03.24",
"개인": {
"value_bil": -1595.0,
"value_tril": -0.1595,
"formatted": "-0.16조"
},
"외국인합계": {
"value_bil": 1671.0,
"value_tril": 0.1671,
"formatted": "+0.17조"
},
"기관합계": {
"value_bil": 219.0,
"value_tril": 0.0219,
"formatted": "+219억"
},
"금융투자": {
"value_bil": -62.0,
"value_tril": -0.0062,
"formatted": "-62억"
},
"보험": {
"value_bil": 17.0,
"value_tril": 0.0017,
"formatted": "+17억"
},
"투신": {
"value_bil": 339.0,
"value_tril": 0.0339,
"formatted": "+339억"
},
"연기금": {
"value_bil": 5.0,
"value_tril": 0.0005,
"formatted": "+5억"
},
"기타법인": {
"value_bil": -296.0,
"value_tril": -0.0296,
"formatted": "-296억"
}
},
"note": "",
"source": "naver_finance"
},
"overnight_data": {
"timestamp": "2026-03-24T17:16:36.742282+09:00",
"date": "2026-03-24",
"k200_change_pct": null,
"ndf_rate": 1485.3,
"ndf_change": -30.45,
"bond_y3_tick": 35,
"bond_y3_price": 103.61,
"bond_y10_tick": 43,
"bond_y10_price": 108.94,
"articles": [
{
"title": "국채선물, 트럼프 후퇴에 상승…'거래 급증' 3년물 35틱↑",
"link": "https://news.einfomax.co.kr/news/articleView.html?idxno=4405462",
"source": "Infomax"
},
{
"title": "NDF, 1,485.30/ 1,485.70원…30.45원↓ - 연합인포맥스",
"link": "https://news.google.com/rss/articles/CBMidEFVX3lxTE1ocTQ4eEhTS05xRjhkTGpNWXFNVlBDUEZZNVJLMVp5aG5JNVFaRnp0RldiUk5hVlJOc3ZPNEZEZDVVNndjTURFQXlKRXJsbTVEM21XcFQ3WmpaNDhlTG41bGJFUE5oNXJ6d3V5ejk0dTc3aU5G0gF0QVVfeXFMTWhxNDh4SFNLTnFGOGRMak1ZcU1WUENQRlk1UksxWnlobkk1UVpGenRGV2JSTmFWUk5zdk80RkRkNVU2d2NNREVBeUpFcmxtNUQzbVdwVDdaalo0OGVMbjVsYkVQTmg1cnp3dXl6OTR1NzdpTkY?oc=5",
"published": "2026-03-24T09:06:13+09:00",
"source": "Google News RSS"
}
],
"source": "none"
},
"beige_book_data": {
"timestamp": "2026-03-24T08:16:56.372657",
"date": "2026-03-24",
"url": "https://www.federalreserve.gov/monetarypolicy/beigebook202602-summary.htm",
"release_code": "202602",
"text": "Overall economic activity increased at a slight to moderate pace in seven of the twelve Federal Reserve Districts, while the number of Districts reporting flat or declining activity increased from four in the prior period to five in the current period. Although consumer spending increased slightly on balance, two Districts reported ongoing declines, and many noted that sales were dampened by economic uncertainty, increased price sensitivity, and lower-income consumers pulling back on spending. Districts impacted by winter storms said that retail traffic generally slowed, and one District said immigration enforcement activity negatively affected customer demand in urban areas. Auto sales were mostly down for Districts that reported on them, with many citing continuing affordability issues. Manufacturing activity improved overall since the previous reporting period, with eight Districts reporting varying degrees of growth and two reporting declines. Manufacturing contacts in many Districts reported increases in new orders, and several cited boosts in demand from data centers and, relatedly, energy infrastructure. Transportation activity was mixed across Districts that reported on it, with three reporting contractions and two reporting modest growth. Overall, financial services activity was reported as stable to up, with commercial lending being the primary area of strength. For most Districts that reported on residential real estate and construction, sales and activity decreased slightly, with low inventories and affordability remaining key issues. Nonresidential construction activity was mixed across reporting Districts but increased slightly on net. Among reporting Districts, agricultural conditions were mostly flat, and energy activity grew modestly on balance. Overall, economic expectations were optimistic, with most Districts expecting slight to moderate growth in the coming months.\n\nEmployment levels were generally stable in recent weeks as seven of the twelve Districts reported no change in hiring. Contacts in several Districts cited rising nonlabor input costs, softer demand, or uncertainty about overall economic conditions as reasons for flat or lower employment levels. Firms in some Districts and in various sectors looked to AI or other forms of automation to gain efficiencies, with most emphasizing the goal of productivity enhancement rather than worker replacement. Wages rose at a modest or moderate pace in most Districts as firms competed for talent in select areas, including the skilled trades. Several Districts continued to report upward pressure on total compensation due to rising health insurance premiums.\n\nPrices increased moderately in recent weeks, with eight Districts reporting moderate price growth and four seeing slight or modest increases. Many Districts reported that costs rose across several nonlabor inputs, including insurance, utilities and energy, and metals and other raw materials. Nine Districts mentioned that tariffs contributed to increased costs. Some firms continued to pass tariff-related cost increases through to their customers, and others began to do so after having absorbed previous increases. Still, most Districts received reports of some firms holding selling prices stable despite higher costs because their customers were increasingly price sensitive. On balance, firms expected prices to rise at a somewhat slower pace in the near term.\n\nEconomic activity was flat on balance, as was consumer spending. Employment edged down, and wage growth was slight. Prices rose modestly, as several contacts reported ongoing cost pressures from tariffs, while certain food prices were marked down from previously elevated levels. The outlook improved, but financial pressures on low-income families remained intense.\n\nEconomic activity declined modestly despite a small pickup in manufacturing. Employment remained flat, and wage growth was steady and modest. Selling price increases remained moderate. Consumer spending grew slightly, though uncertainty prompted some consumers to pause major purchases and pull back on spending. Businesses expected conditions to improve somewhat.\n\nEconomic activity in the Third District grew modestly, up from a slight pace last period. Sales activity grew, despite many contacts noting that activity was hampered by adverse weather. Employment levels again rose modestly. Firms reported own-price inflation ticked down in the first quarter, while wage inflation remained modest. Contacts continued to report that low-, middle-, and fixed-income households were struggling to pay for necessities.\n\nFourth District business activity increased modestly in recent weeks, with continued modest growth expected in the months ahead. Manufacturing and commercial construction contacts reported increased demand, with several highlighting data center development as a primary driver of activity. Nonlabor cost pressures remained robust, while selling prices continued to increase moderately.\n\nThe regional economy continued to grow modestly in recent weeks. Consumer spending on retail was flat while spending on travel and tourism increased slightly. Manufacturing and residential real estate activity declined while commercial real estate activity increased moderately. Employment increased slightly. Prices continued to grow at a moderate year-over-year rate.\n\nEconomic activity expanded at a modest to moderate pace. Employment was flat to down somewhat; wages grew modestly. Prices were flat to slightly up. Consumer spending and tourism increased. Housing demand improved, but commercial real estate slowed. Transportation demand was flat to slightly down, while manufacturing was up slightly. Energy activity grew moderately.\n\nEconomic activity increased slightly. Manufacturing demand rose modestly; consumer spending and construction and real estate activity rose slightly; employment and business spending were flat; and nonbusiness contacts saw no change in activity. Prices and wages rose moderately, and financial conditions loosened. Farm income in 2026 was expected to be similar to 2025.\n\nEconomic activity has remained unchanged since our previous report but is expected to increase over the next few months. Employment levels were unchanged. Wages and prices continued to increase moderately. The outlook among contacts has improved to be cautiously optimistic.\n\nDistrict economic activity fell slightly. Employment softened while labor demand was little changed. Wage growth was moderate, and prices ticked up modestly. Consumer spending fell. Manufacturing decreased moderately. Construction activity was moderately lower with larger declines in nonresidential building. Agricultural conditions remained largely unchanged at weak levels.\n\nEconomic activity in the Tenth District increased slightly over the reporting period. Labor conditions remained steady, with firms utilizing technology and workflow improvements to ease operational constraints. Prices have increased slightly. Energy activity increased modestly as higher oil and natural gas prices supported additional drilling activity.\n\nEconomic activity in the Eleventh District expanded moderately over the reporting period, vigorously in manufacturing and modestly in services. Bank lending, retail sales, and commercial real estate transactions grew. Energy sector activity declined and agricultural conditions worsened. Employment grew slightly, while wages and prices increased modestly to robustly. Outlooks remained steady despite elevated uncertainty.\n\nEconomic activity contracted slightly over the reporting period. Employment was stable on net, but layoffs were reported in technology services. Prices rose moderately, while wages grew slightly. Activity in retail and services weakened slightly, and contacts described a bifurcated economy. Conditions were stable in manufacturing and agriculture but mixed in real estate.\n\nNote: This report was prepared at the Federal Reserve Bank of Cleveland based on information collected on or before February 23, 2026. This document summarizes comments received from contacts outside the Federal Reserve System and is not a commentary on the views of Federal Reserve officials.",
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"speaker_name": "John Williams",
"speaker_role": "뉴욕 연은 총재",
"title": "Held: U.S. Regulations and Approaches to Cryptocurrencies",
"venue": "",
"pub_date": "2026-03-24T00:00:00+00:00",
"url": "https://www.newyorkfed.org/newsevents/speeches/2019/hel191212",
"text": "Thank you, Diego, for “volunteering” me to speak about digital currencies—a field in which I count myself as very much a trainee, not an expert. Today I will focus on the U.S. regulatory landscape for digital currencies, in particular on digital currencies issued by private organizations that are intended to be used like money. As always, the views I express are my own, not necessarily those of the Federal Reserve Bank of New York or the Federal Reserve System. 1\n\nPolicy makers and regulators in the United States, to date, have not developed an overarching framework for regulating private digital currencies. The field has been seen as too new for a comprehensive regulatory response. To be sure, the digital nature of new private currencies will raise challenges to which policy makers must respond. In my view, however, we spend so much time wrestling with the novelty of digital currencies that we forget that private currency is nothing new. The theme of my talk today is accordingly best encapsulated by a quote that is attributed—perhaps wrongly—to Mark Twain: “History may not repeat itself, but it does rhyme.”\n\nSo, let’s take a little walk through the history of privately-issued currency.\n\nWe begin in Michigan in 1837, when the state legislature passed the first “free” banking law in the United States. 2 Upon commencing business, free banks could issue banknotes—that is, private currencies—that were redeemable in specie—gold or silver. 3 These banknotes were transferable debt backed by the general creditworthiness of the bank that issued them, plus assets like bonds and mortgages on real estate, and for a brief time, personal guarantees. 4\n\nThe statute permitted bank organizers to establish a bank by filing an application with the local county treasurer and county clerk. They did not need approval from the state banking commissioner. (At the time, the United States had no federal banking supervisor. 5 Indeed, the “free banking” era generally begins with Congress’s failure to recommission the Second Bank of the United States before its charter expired in 1836, and ends with the passage of the National Bank Act in 1863.) The result, predictably, was chaotic. The state banking commissioner was unsure of how many banks had even been established. 6 Some banks in Michigan were established with the intent to issue banknotes but without the intent to ever redeem them. 7 By 1839 almost the entire system had collapsed.\n\nAfter closing down one bank in Michigan, the commissioner found shards of window glass, lead, and nails where he should have found gold and silver coin. 8\n\nSome of these free banks became known as “wildcat” banks. They set up offices in remote areas—where only the wildcats roamed—making it difficult to redeem notes for specie. 9 In truth, the fate of free banks was not all bad. Free banks in New York apparently fared pretty well. 10 But the experiences of Michigan and some other states demonstrated the risks in dealing with lightly regulated issuers of private currencies of that time. Banknotes of that era were consistently transferred at a discount, 11 state-to-state requirements to value the assets that backed them varied, 12 and banks were engaged speculative activities: building hotels, roads, railroads, and canals. 13 I’m told they also engaged in banking.\n\nBy the 1860s Congress was fed up with the free banking system. In an address to the United States Senate in 1863, Senator John Sherman of Ohio decried:\n\n“We had every diversity of the bank system in this country that has been devised by the wit of man, and all these banks had the power to issue paper money. With this multiplicity of banks . . . it was impossible to have a uniform national currency, for its value was constantly affected by their issues. There was no common regulator; they were dependent on different systems. . . . There was no check or control over these banks. There was a want of harmony and concert among them.” 14\n\nThe National Bank Act authorized the creation of national banks that would issue national bank notes. It was a push towards harmony in private currency, a pressing need for a wartime government in the throes of a civil war. Unlike wildcat banknotes, national bank notes were backed universally by federal government bonds and deposits of other money, such as U.S. government issued “greenback,” in each case held by the United States Treasury, and they circulated at parity with other forms of money. 15 The National Bank Act also introduced the division between banking and commerce in the United States, which may have erased some of the more-speculative bank activities of the wildcat era. 16\n\nFederal intervention and tighter regulation meant that national banks and their notes were both safer and more fungible than their wildcat predecessors, and the United States’ transition into national bank notes, coupled with new, unfavorable tax treatment for state bank notes, meant the demise of wildcat banknotes. 17 Decades later, the establishment of the Federal Reserve System, a central bank currency, and a push for banks to engage in deposit-taking activities meant the overall demise of private currency in the United States for decades. 18\n\nThis is, admittedly, a fairly crude history of money and banking in the United States, but you see where I’m going with this. It is hard not to see certain parallels between today’s digital currencies and the bank notes issued during the wildcat era. Digital currencies are developing in in the absence of a comprehensive regulatory system, and there are countless digital currencies, with countless idiosyncrasies, and countless entities of varying quality that can issue them. According to one source, there are currently nearly 3000 digital currencies but I doubt anyone really knows the true number. 19\n\nWhile we have not seen issuers of digital currencies hold shards of glass, lead, and nails in reserve, we have seen digital currencies with no backing by design—Bitcoin being the prime example—digital currencies backed by other volatile digital currencies—for those who put a premium on safety—and digital currencies styled after Donald Trump, Vladimir Putin, and Kanye West—though Mr. West’s lawyers made sure that Coinye never really got off the ground.\n\nThe analogy between the current era and the wildcat era isn’t perfect, of course. History rhymes after all; it doesn’t repeat.\n\nIn contrast to the wildcat era, various federal regulators have demonstrated a willingness to apply existing regulatory tools to digital currencies. But, policy makers and regulators are also still monitoring developments in digital currencies, and we have not fully formulated a cohesive policy response. Whether we like it or not, however, we are beginning to confront at least two questions similar to those that policymakers addressed in the waning days of the wildcat era:\n\nAs I’ve already suggested, current U.S. law does not have direct answers to these questions. Digital currencies can fall into a variety of categories: commodities or securities or other instruments. How a digital currency is classified will depend partly on the functional use of the digital currency and partly on the priorities of various lawmakers and regulatory agencies that have the authority to regulate it.\n\nThe Financial Crimes Enforcement Network (FinCEN), the primary U.S. authority responsible for implementing U.S. anti-money laundering laws, was one of first authorities to issue guidance in the United States on digital currencies. FinCEN clarified in 2013 that transmitters and exchangers of digital currency are money service businesses under FinCEN regulations, if the digital currency acts as a substitute for real currency or has an equivalent value in real currency. 20 Accordingly, any person that engages in the business of transferring or exchanging digital currency is subject to FinCEN requirements to establish an anti-money laundering program, which includes recordkeeping, reporting, and customer identification and verification requirements. 21 FinCEN’s early entrance into the field sought to address the fact that digital currencies, like other forms of payment, may be used for nefarious purposes.\n\nFast forward to 2017. Jay Clayton, the Chairman of the Securities and Exchange Commission (SEC), the federal agency that regulates securities, released a statement on digital currencies and initial coin offerings (ICOs). In Chairman Clayton’s view, “tokens and offerings that incorporate features and marketing efforts that emphasize the potential for profits based on the entrepreneurial or managerial efforts of others continue to contain the hallmarks of a security under U.S. law.” 22 In 2018, SEC staff published guidance to clarify that exchanges, investment vehicles, investment advisers, and dealers doing business in digital currencies that are digital asset securities would be subjected to securities laws. 23 The guidance makes clear that digital currencies that function as securities will be subject to U.S. securities law, but where we draw this line may not always be clear.\n\nProducts that blur the boundaries between money and securities are not new. Take, for instance, certificates of deposit. In 1982, the United States Supreme Court analyzed whether a certificate of deposit was a security for purposes of certain U.S. anti-fraud laws. The Court concluded that it was not. In doing so, the Court recognized that the most important distinction between a certificate of deposit issued by a bank—money—and other long-term debt was the comprehensive regulation of the banking system. 24 The Court’s conclusion was a sensible one more than a century after the “wildcat” banking era: Lawmakers could not have intended to treat money in the banking system like it was something else because there was no need to do so.\n\nAt least for now, the case does not appear to be as strong for digital currencies. Without a regulatory framework designed for digital currencies, regulators in United States are reacting to abuses instead of proactively addressing risks. As an example, the Commodity Futures Trading Commission (CFTC), the agency in the United States that regulates futures and derivatives contracts, used its enforcement authority over fraudulent purchases or sales of commodities to stop an alleged digital currency scheme. 25 Organizers of the scheme claimed that the digital currency in question—My Big Coin—was backed by gold and actively traded, but the CFTC concluded that neither was true, that payouts to customers were funded with money fraudulently obtained from other victims of the scheme, and that the organizers misappropriated approximately $6 million in customer assets. 26\n\nMy Big Coin appears to have been a modern wildcat currency, but the scheme was detected only because the CFTC could regulate it as a commodity. We are fortunate that, today, the CFTC has this market-based authority to combat fraud in U.S. commodities markets that was not present in the wildcat era.\n\nMeanwhile, banks, which are the focus of our federal regulatory efforts for holding and transferring money, have largely not engaged in holding, transferring, or issuing digital currencies, and federal banking regulators in the United States have remained largely silent on the permissibility of these activities. 27 The Office of the Comptroller of the Currency (OCC) sought to carve out a special-purpose charter—its so-called “fintech charter”—presumably to bring some of these activities under the OCC’s regulatory umbrella, but it has since been mired in litigation over issuing these special-purpose charters with states in the U.S. that wish to license these activities under local law. 28\n\nSeparately, the Bureau of Consumer Financial Protection, which has authority to write rules governing certain consumer accounts and payment products, determined it would further analyze digital currencies and did not try to bring them into its purview in a recent amendment to its Regulation E. 29\n\nTo be sure, states within the U.S. have begun to adopt laws and regulations for digital currency businesses. New York and Wyoming, to cite two examples, have adopted digital currency-specific regimes. There is, however, little coordination in the approach at the state level, 30 which highlights that a state-by-state approach risks both inconsistent treatment and the possibility of a “race to the bottom” on licensing standards that could be reminiscent of the wildcat era. The challenges states will face in crafting sensible rules are only amplified with respect to digital currencies, which tend to operate without borders.\n\nIf you were a worrier like me, would you worry that we are putting off alternative approaches until new problems exhaust old solutions? Would you worry about how effectively we will respond if a digital currency achieves critical mass? Governor Quarles highlighted this latter concern in his recent remarks at the European Banking Federation. 31 He noted that stable coins do not pose risk to financial stability today but that they bring with them the potential for scale that could pose regulatory challenges from a financial stability standpoint in the future.\n\nBut knowing that regulators in the U.S. are already dealing with concerns over fraud and the prospect of other forms of misconduct related to digital currencies, and acknowledging Governors Quarles’ concerns about financial stability, would it behoove us to start identifying areas of focus for crafting a regulatory response that is more proactive?\n\nPablo Hernández de Cos, Chairman of the Basel Committee on Banking Supervision (BCBS) and Governor of the Bank of Spain, remarked in November that digital currencies “do not reliably perform the standard functions of money and are unsafe to rely on as a medium of exchange or store of value.” 32 That sounds like a problem.\n\nWe have dealt with a somewhat similar problem before. Under the National Bank Act, the United States chose to reform its currency system by adopting a new regulatory regime for national banks—the would-be issuers of stable private currencies (that is, national bank notes)—and by crafting requirements for these issuers to backstop their currencies with safer government-issued bonds. These steps served to stabilize private currency issuers and their currencies, but there were other benefits of the approach that are easy to overlook: we disincentivized less desirable products—wildcat notes (that is, by imposing taxes on them); certain key participants in the system—specifically the custodian banks and trust companies—were already regulated institutions; bank notes had a certain level of transparency built in—a holder’s right to receive payment and from whom was literally written on the face of the note; and for all intents and purposes, federal law and regulation were ubiquitous.\n\nWe have also developed comprehensive regulatory schemes targeted at other widely-used financial products as they have evolved, including recent work to regulate swap transactions. If digital currencies reach critical mass, we may want to draw on lessons from these efforts and consider whether tools for regulating systemically important activities are fit for purpose. The designation process under the Dodd-Frank Act for systemically important financial institutions may be instructive here, regardless of whether it is directly applicable to digital currencies. In this process, the Financial Stability Oversight Council (FSOC) has the authority to designate for enhanced regulation and supervision certain financial institutions, financial market infrastructures, and payments, clearing, and settlement (PCS) activities, to the extent that FSOC determines the organization or activity to be systemically important. Though the authority in the Dodd-Frank Act is limited in some ways—it applies only to certain systemically important activities and the designation process requires coordination across regulatory agencies and related administrative processes—the scheme is flexible in other ways because it contemplates an activities-based approach to regulation and oversight in addition to a prudential approach for certain institutions. 33 To be crystal clear, I am not saying that any digital currencies are currently ripe for consideration under the FSOC designation process; just that a similarly flexible though not necessarily identical process involving coordination and collaboration across multiple regulators may be warranted.\n\nIn applying lessons learned from the past to the modern era, one path forward might be to consider the following questions in determining whether a broader regulatory scheme is sensible:\n\nThis is not easy stuff. Some might look at this list, and want a faster, ready-made solution. I can hear them now: “Why not just put this activity in the banking system and borrow a more robust regulatory structure?” I think we should consider that, but bank regulation may not be fit for purpose. History rhymes; it doesn’t repeat—that’s the last time I will use that line. So, at the same time we consider what banks will or should be going forward, we also should consider some more fundamental questions: (i) What is the most practical approach? (ii) What approach gives us the right balance of functional and risk-based regulation? (iii) What approach is the most neutral to technological change? (iv) What approach provides the clarity to the greatest extent possible (recognizing that every model will have its faults)? (v) What approach will last to and through the next cycle of innovation?\n\nI mentioned the SEC earlier. The SEC analyzes digital currencies using a test that the Supreme Court formulated almost 90 years ago—that is mind boggling, but for what the SEC does, it is also still very relevant—this is something worth striving for.\n\nYou might be surprised that I don’t have the answer to what the next 90 years of digital currency regulation will look like, but I hope to have the opportunity to explore this issue with some of you. Thank you.\n\n1 Many thanks to Joseph Torregrossa and Thomas Noone for their assistance with these remarks.\n\n2 Gerald P. Dwyer Jr., Wildcat Banking, Banking Panics, and Free Banking in the United States , Economic Review 6 (FRB Atlanta Dec. 1996) (hereinafter “Dwyer”).\n\n9 Arthur A. Rolnick & Warren E. Weber, Free Banking, Wildcat Banking, and Shinplasters , Quarterly Review 13 (FRB Minn. Fall 1982) (hereinafter “Rolnick”).\n\n12 Rolnick 16. Specifically, the states varied on whether security for the notes would be measured in par or market value.\n\n13 Rosa Lastra, Central Bank and Bank Regulation, 204 (Sept. 1991) (Ph.D. thesis London School of Economics) (on file with author DM # 172574).\n\n14 John Sherman, Recollections of Forty Years 237 (Werner Co. 1896) available at https://archive.org/details/johnshermansreco00sher/page/236 .\n\n15 Milton Friedman & Anna Jacobson Schwartz, A Monetary History of the United States, 1867-1960 17, 21 (1963) (hereinafter “Friedman”).\n\n16 See e.g., 12 USC §26 (Comptroller to determine if institution is engaged in the business of banking).\n\n18 In 1935, the Treasury redeemed all debt that backed national bank notes. The Glass-Steagall Act, passed in 1933 in the midst of the Great Depression, also shifted the calculus for holders of national bank notes. The act introduced deposit insurance and divided commercial and investment banking, each of which served to remove disincentives against holding deposits with banks.\n\n19 Source: https://www.investing.com/crypto/currencies\n\n20 Application of FinCEN Regulations to Persons Administering, Exchanging, or Using Virtual Currency\n\n22 Chairman Jay Clayton, Securities and Exchange Commission, Statement on Cryptocurrencies and Initial Coin Offerings (Dec. 2017). Clayton is applying the “Howey” test, a product of the court case SEC v. W.J. Howey Co. ,which sets out the criteria for determining whether an instrument qualifies as an “investment contract” (and thus a security) for the purposes of the Securities Act of 1933. 328 U.S. § 293 (1946). An investment contract is “a contract, transaction or scheme whereby a person invests his money in a common enterprise and is led to expect profits solely from the efforts of the promoter or a third party.” Id .\n\n23 Securities and Exchange Commission, Statement on Digital Asset Securities Issuance and Trading (Nov. 2018).\n\n24 Marine Bank v. Weaver , 452 U.S. 551, ___ (1982).\n\n25 The Commodity Exchange Act defines commodity to include, among other things, “all services, rights, and interests in which contracts for future delivery are presently or in the future dealt in.” 7 U.S.C. § 1a(9). At least to district courts have interpreted this to cover virtual currencies. E.g., CFTC v. My Big Coin Pay, 334 F.Supp.3d 492, 498 (D. Mass., Sept. 26, 2018)\n\n26 CFTC Release Number 7678-18, CFTC Charges Randall Crater, Mark Gillespie, and My Big Coin Pay, Inc. with Fraud and Misappropriation in Ongoing Virtual Currency Scam (Jan. 24, 2018).\n\n27 The Federal Reserve has not, to date, determined the extent to which its supervised firms may engage in cryptocurrency related activities.\n\n28 E.g. , Vullo v. OCC 378 F.Supp.3d 271 (May 2019). See also Comptroller’s Licensing Manual Supplement: Considering Charter Applications from Financial Technology Companies .\n\n29 81 Fed. Reg. 83934, 83978-80 (Nov. 22, 2016).\n\n30 A uniform state-law proposal drafted in 2017 that was designed to establish a uniform framework for states to regulate digital currency businesses, such as issuers, exchanges, and custodians, but has not been adopted by any state. Uniform Regulation of Virtual-Currency Businesses Act .\n\n31 Randal K. Quarles, Vice Chair for Supervision, Board of Governors of the Federal Reserve System, Remarks at European Banking Summit: The Financial Stability Board at 10 Years—Looking Back and Looking Ahead (Oct. 3, 2019).\n\n32 Pablo Hernández de Cos, Chairman of the Basel Committee on Banking Supervision (BCBS) and Governor of the Bank of Spain, keynote speech at Euro Finance Week: Financial Technology: The 150-year Revolution (Nov. 19, 2019).\n\n33 See 12 U.S.C. §§ 5323, 5462(6), & 5463.",
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"speaker_name": "John Williams",
"speaker_role": "뉴욕 연은 총재",
"title": "Williams: No Man Is an Island",
"venue": "",
"pub_date": "2026-03-24T00:00:00+00:00",
"url": "https://www.newyorkfed.org/newsevents/speeches/2019/wil191114",
"text": "“No man is an island entire of itself,” wrote the poet John Donne in 1624. Almost four centuries later, his words still ring true. And they are particularly salient when it comes to the financial fortunes of the global economy.\n\nToday I’m going to explore the commonalities and interconnectedness of the global economy, and what that means for the outlook in the United States.\n\nBut before I delve into these ideas, I want to say what a pleasure it is to be back at the San Francisco Fed, among so many friendly faces. The Asia Economic Policy Conference is always a fascinating day, and I’d like to thank Mary Daly for the invitation to speak, and Zheng Liu and Mark Spiegel for putting together an outstanding program.\n\nI knew I was back in San Francisco when this morning I spent 20 minutes in line, waiting to spend five dollars on a cup of coffee. This is one thing for which inflation appears to be alive and well.\n\nBefore I explore issues like inflation in any greater depth, I should give the standard Fed disclaimer that the views I express today are mine alone and do not necessarily reflect those of the Federal Open Market Committee or others in the Federal Reserve System.\n\nIf monetary policy represents a set of scales, on one side we have a strong U.S. economy with unemployment near a 50-year low, and on the other, a more challenging and uncertain landscape.\n\nGDP looks to grow around 2 percent this year, and unemployment has stayed at or near historically low levels, boosted by solid job growth. At the same time, the Federal Open Market Committee (FOMC) has moved to cut rates three times. What’s going on?\n\nThere are three trends I’ll explore today, which all demonstrate the commonalities and the interconnectedness of the global economy.\n\nThe first is the low neutral rate of interest, or r-star, the second is slowing global growth, and the third is rising geopolitical tensions. All are critically important to the long-term prospects of the U.S. economy, and each tells an important story about the conditions we’re experiencing today.\n\nThose of you who know me won’t be surprised that I’m starting with low r-star! The neutral rate of interest—the rate that prevails when monetary policy is neither restrictive nor accommodative—has been an area of study, and a personal passion, for the past two decades.\n\nI could talk about r-star at great length, but you may be relieved to hear that for the purpose of this speech, there’s just one point I want to make: r-star has fallen, not only in the U.S., but around the world.\n\nFundamental shifts have been occurring in the two main drivers of r-star over the past two decades: demographics and productivity growth. Lower fertility rates and aging populations, as well as slower productivity growth, have pushed down r-star by as much as two percentage points in a number of developed nations.\n\nThese structural shifts are having fundamental effects on real interest rates, growth, and inflation. A number of advanced economies have inflation below desired levels and longer-term interest rates that are well below where they were a decade ago.\n\nThere are, of course, a few outliers, but the commonalities between the world’s developed economies are becoming more and more apparent.\n\nThere’s no doubt that the U.S. is experiencing first-hand the effects of the structural shifts in demographics and productivity growth. But the fact that these changes are a common experience for so many developed economies creates challenges to our economic prospects at home.\n\nWhich brings me to the second trend I highlighted: slowing global growth. This story—of low interest rates, low inflation, and slow growth—is showing up in the data.\n\nThe latest numbers from the International Monetary Fund (IMF) follow the recent trend of steady downward revisions of growth estimates. Their forecast for global growth for 2019 is now 3 percent, which is the lowest since 2008–09, and it’s not hard to think of scenarios in which growth slows even further. 1\n\nIn the old days, central bankers used to worry about inflationary pressures being too great. Old habits die hard, and I’m always on the lookout for signs that inflation is rising too fast. But in the current climate it’s inflation that’s too low that’s of greater concern.\n\nYou see, my five-dollar cup of coffee masks an inconvenient truth: inflation in the United States is below target and has been for some time.\n\nBeyond sluggish inflation, we’re starting to see signs of slower global growth playing out in the U.S. data. While consumer spending is holding up, other parts of the economy—including manufacturing, exports, and business investment—have seen growth stall or experienced outright declines.\n\nThe third and final issue I want to discuss—the rising geopolitical tensions around the globe—further complicates an already complex picture.\n\nWhen it comes to the economic outlook, the word of the day—and probably the year—is “uncertainty.”\n\nTrade negotiations, civil unrest, and tensions in a number of corners of the world are driving many businesses to take a wait-and-see approach to investment, thus putting a further dampener on growth prospects.\n\nIt’s notable that later in the same poem I used to open my speech, John Donne writes, “if a clod be washed away by the sea, Europe is the less.”\n\nThe ongoing uncertainty around Brexit and its eventual outcome is a cause of concern not just for the UK economy, but many of its European trading partners. It’s impossible to predict what the spillover effects will be when Brexit finally reaches a conclusion.\n\nWe face similar uncertainty on our own shores regarding trade tensions. I frequently hear from my business contacts that they’re holding off on making investments until the landscape is clearer.\n\nAnd the ongoing uncertainty in both of these situations, rather than the day to day ups and downs, has become a key driver of business decisions.\n\nTrade negotiations and Brexit are top of mind when it comes to uncertainty. But geopolitical risks and political upheaval are affecting regions across the globe.\n\nIt’s striking that in almost every corner of the world geopolitical tensions are threatening to put the brakes on growth. Even if the outcomes of current negotiations are ultimately positive—be they between the U.S. and China, or the UK and the European Union (EU)—the uncertainty created by current events is no doubt having a lasting effect on the economic conditions we’re experiencing today.\n\nFurthermore, the interconnectedness of our economies means that literally, no man is an island. If one economy starts to struggle, the spillover effects onto others can take hold rapidly.\n\nThe common thread of geopolitical tensions is that while they’re difficult to predict, they’re also impossible to ignore. On a backdrop of low r-star and slowing global growth, they drive businesses to be more cautious, more vigilant, and more conservative in their approach.\n\nThe long-term factors driving low r-star and slowing global growth, as well as the more near-term geopolitical tensions, are afflictions from which we all suffer.\n\nSo what’s the solution? Where do we as policymakers, researchers, and regulators go from here?\n\nAt press conferences I’m often asked: if growth slows by X percent, or unemployment increases by Y percent, will that mean that the FOMC is going to do Z at its next meeting?\n\nIf the Fed had a motto, it would probably be “data dependent.” When asked about this, it’s important to clarify that while I’m data dependent, I’m not data- point dependent.\n\nIt’s not about being guided by one single data point—GDP or job growth—but by all of the data and information that tell us where the economy is, and where the economy is heading. Importantly, it’s not about looking at things merely as they are—it’s about trying to read how the economy is likely to evolve over the next couple of years, and what risks lie ahead, based on a broad range of evidence.\n\nMonetary policy is a long game. The policy decisions we’ve made this year will continue to have a ripple effect years into the future. As policymakers, we need to take in how far-reaching those ripples are going to be.\n\nThe adjustments to monetary policy we made this year were designed to balance maintaining a strong U.S. economy with slowing global growth, and provide insurance against ongoing and potential future risks.\n\nAnd that’s what they’ve done. The economy is in a good place, and monetary policy is as well. My forecast is for moderate GDP growth, the labor market remaining strong, and inflation moving back to our symmetric 2 percent target. Of course, things can change. Data dependency remains our motto, and if there were a material change to this outlook, we would adjust monetary policy in support of our goals of maximum employment and price stability.\n\nI’ll conclude with this. John Donne’s words are perhaps more relevant in 2019 than they were in 1624. No man is an island, and no economy can insulate itself—for better or worse—from the fortunes of its neighbors.\n\nAt the same time, all economies are having a common experience as a result of longer-term structural changes.\n\nShifts in demographics and productivity growth point clearly in the direction of low neutral interest rates and slowing growth. We’re seeing the reality of these changes in the form of sluggish inflation and interest rates much lower than in previous decades.\n\nCentral banks and policymakers around the world need to prepare for economies that are more connected than ever before.\n\n'No Man is an Island' No man is an island entire of itself; every man is a piece of the continent, a part of the main; if a clod be washed away by the sea, Europe is the less, as well as if a promontory were, as well as any manner of thy friends or of thine own were; any man's death diminishes me, because I am involved in mankind. And therefore never send to know for whom the bell tolls; it tolls for thee. John Donne\n\n1 International Monetary Fund, World Economic Outlook: Global Manufacturing Downturn, Rising Trade Barriers , Washington, D.C., October 2019.",
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"speaker_name": "John Williams",
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"title": "Bergin: The New York Fed’s Work on Financial Institution Culture",
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"pub_date": "2026-03-24T00:00:00+00:00",
"url": "https://www.newyorkfed.org/newsevents/speeches/2019/ber191114",
"text": "Thank you for the opportunity to speak to you today. I will discuss why the culture of the financial industry is important to the New York Fed, the nature of the problem we are trying to solve, and some of our various initiatives in this area. Please note that my comments today are my own and do not necessarily represent the views of the Federal Reserve Bank of New York or the Federal Reserve System. 1\n\nMy perspective on culture has been shaped by my experience at the New York Fed. I currently serve as Deputy General Counsel, but have had the opportunity to work in other non-legal roles over time as well. The New York Fed is an interesting place to work, because we wear a number of different hats. Among other things, we implement monetary policy for the Federal Open Market Committee; we supervise financial institutions as part of the broader Federal Reserve System; and we run a major wholesale payments system. In all of these missions, we need to work on and through the financial system to promote the well-being of the real economy. So it matters greatly to us that the financial system is operating in a way that is safe, fair and transparent, and that serves to intermediate effectively between borrowers and savers to the benefit of all, not just a narrow few.\n\nUnfortunately, we have not always seen that. I started at the Fed in 2005, in the years before the financial crisis. Since that time, we have seen numerous misconduct scandals plague the financial markets in which we operate and upon which we rely. In 2013, misconduct in foreign exchange markets, following closely on the heels of similar misbehavior in reference rate markets, moved our former President, Bill Dudley, to remark upon the “deep-seated cultural and ethical failures at many large financial institutions.” 2 He set us upon a work program to address financial institution culture. This emphasis has continued and evolved under our current President, John Williams. And, it has been taken up by many other authorities around the world.\n\nMisconduct by financial institutions can cause out-sized damage. The most important harm of misconduct is on the consumers, counterparties or competitors directly affected, but the ripple effects can extend far beyond. Misconduct can affect the stability of the firms that engage in it. There is the immediate, pecuniary effect of sanctions on the firm’s balance sheet but, just as importantly, there is the damage to an individual firm’s reputation—a loss of trust by consumers, investors, regulators, and the general public. 3\n\nBeyond the individual firm, there is a broader cost to the markets themselves if the public loses confidence in their fundamental fairness. We are seeing right now an enormous and global public and private effort to move off of the use of LIBOR as a reference rate. This costly effort resulted, in part, from exploitation of flaws in the design of that crucial rate by unethical traders for their own gain. More broadly, when a scandal of this dimension happens, it calls into question whether the financial system is doing the job the public expects. The resulting lack of trust can impede the ability of the financial system to perform its intermediation function, and this in turn affects the well-being of the real economy. For example, turning back to reference rates—they affect almost everyone, whether you need credit to buy a house or a car. When those rates are manipulated, it has an effect outside of the financial markets themselves.\n\nI think this recognition—that misconduct always has a tail that hits the real economy—has led to the New York Fed working to improve financial institution culture. That said, I think people also have recognized that this is a type of problem that differs from some others that we tackle at the central bank. Two differences are worth discussing.\n\nFirst, and very importantly, organizational culture is an issue that the institutions themselves need to solve. Legislators and regulators set the rules for financial firms to follow. These set the legal boundaries of behavior. Regulators and enforcement agencies can, should, and do penalize firms when they cross those boundaries, as we have seen time and again over the past several decades, including in the foreign exchange and reference rate contexts. But regulators are not in a position to prescribe one model of organizational culture that will lead firms to avoid crossing these legal boundaries in the first place. That said, I will also note that authorities in other countries have used regulation innovatively to improve conduct standards, short of prescribing a model culture. I understand, for example, that the Senior Managers and Certification Regime here in the United Kingdom combines enforceable conduct rules with enhanced vetting and accountability requirements for directors and senior officers.\n\nPractically speaking, though, there will always be a need for individuals to exercise ethical judgment when interpreting the rules that apply to them, regardless of how detailed the regulation is which applies to a particular market. It is an organization’s and an industry’s culture which sets the norms that guide that judgment, and that is where firms and the industry at large need to step up. Jay Clayton, the Chair of the U.S. Securities and Exchange Commission called this “filling in the gaps” in a visit to the Fed last year. He explained that even if the law permits a range of actions, that range is not the end of the road for ethical decision-making. Some choices, even if possibly permissible, may be wrong, and may be more likely to get you and your firm in front of a governmental authority—and not in a good way. I am a member of the legal profession, and a proud one, but the law only has so much imagination—it cannot cater for every possible situation that an individual working in financial services might find themselves in. There is a need to fill in the gaps between the outer boundary of what is allowed and what is wise from a firm, system, and ethical perspective.\n\nWhere a decision about what to do or not do can cause significant harm, those on the front lines need a touchstone to guide their choices. 4 These gaps are not a failure of regulation. They are a natural consequence of the complexity of many financial services markets, which are international, multi-faceted and constantly evolving. Even for markets that are structurally less complex, the behavioral norms that underpin them can be complex because (at least until the robots take over) it is ultimately imperfect human beings who deliver financial services. That can be a strength when ethical judgment is exercised responsibly, and a weakness when not.\n\nIt is that complexity that is the second aspect of why culture is such tricky terrain. At this conference last year, my colleague, Kevin Stiroh, the head of our Supervision Group, explained that culture reform is a \"complex\" issue—meaning it is marked by the interconnectedness of a large number of factors, constant evolution, feedback loops, “unknown unknowns,” and unpredictable outcomes. 5 But you do not throw up your hands because culture is somehow unknowable and squishy, or because people will always be people, and hard to understand and control. That is not the approach that we take to other important problems, and it would be odd if it was adopted here. You need be focused, determined and persistent in order to wrestle the problem to the ground. But with a complex problem, there may not be one linear path to resolution. Instead, you may need to work several margins at once, embracing a number of approaches and tools, and you must be prepared for your strategy to evolve over time. Diverse perspectives, professional training, and life experience are also critical to challenging assumptions and pointing out uncomfortable truths.\n\nThese two aspects of the organizational culture issue—that it is not an area where the official sector can simply dictate everything, and that it is, by nature, a “complex” problem—have informed the approach that the New York Fed has taken to it. At the New York Fed, we believe that the official sector has a vital role to play in helping industry to achieve positive change via the raising of behavioral standards. Our President, John Williams, describes this role using three principles—“connect,” “convene,” and “catalyze.” 6 Connecting people with the latest data and research gives them the insights and tools they need to make change. “Convening” means bringing together stakeholders to share ideas, perspectives, and approaches. “Catalyzing” is about using the New York Fed’s unique position to create change.\n\nI’ll start by describing our efforts to “convene” and “connect.” The New York Fed has hosted five major culture conferences 7 which proved to be valuable fora to exchange ideas, challenges and approaches. We first focused on recognizing that the industry has a culture problem, exploring drivers and outcomes of that problem, followed by a workshop in which representatives of the major firms provided an update on progress and challenges in different elements of culture change—performance management, incentives, accountability frameworks, and leadership. Over the years, we have increased the diversity of voices that are represented—because a complex problem needs complex solutions. Philosophers, economists, psychologists, industry leaders, government officials and many others have contributed valuable perspectives to the conversation.\n\nIn addition, we regularly host a Supervisors Roundtable for Governance Effectiveness. This is a group of around 20 supervisory agencies from 15 jurisdictions around the world who share emerging and evolving practices for supervisors to use in the assessment of culture and behavior at firms. We are always keen to engage with and learn from our international counterparts, and we watch with interest the various initiatives that are in train such the FCA’s Culture Sprints, which aim to empower mid-level managers to find innovative solutions for culture transformation. 8\n\nOne of our newer initiatives, that we are quite excited by, is the Education and Industry Forum on Financial Services Culture. This forum grew out of meetings that we convened with business schools and industry leaders to talk about how the business schools could educate the ethical judgment of future bankers. The aim of the “EIF,” as it’s known among my colleagues, is to provide regular opportunities for senior representatives from business schools and financial institutions to identify challenges with regard to culture and conduct, and identify possible areas of collaboration to address them.\n\nWe are currently working on a series of case studies of ethical dilemmas faced by junior employees, which would become an integrated part of business school curricula, undergraduate economics courses, recruiting, and employee training. The goal is for these case studies to help to raise awareness of, and hone, ethical judgment in a practical context, working collaboratively with some of the key communities (business schools and employers) that individuals starting out in the financial sector are part of. Our aim is to reach the next generation of leaders in finance.\n\nFinally, we have been heavily involved in the last several years in promoting the development of industry best practices and codes. The point here is to “fill in the gaps”—to provide touchstones around which individuals at firms can orient their behavior when there is not a specific law telling you to stop or to go, but when there is some market integrity interest potentially at stake. The goal is to convene industry in such a way that they can raise the bar for their own behavior, both individually and organizationally.\n\nOur efforts have focused particularly on those markets that we operate in as a central bank. For example, we sponsor a Treasury Market Practices Group 9 , comprised of a diverse set of participants in the U.S. Treasury market. Over time, the TMPG has articulated recommendations on a variety of matters, such as how to manage large positions with care, and how to handle confidential information appropriately. This group has remained active and engaged over time, continuing to make sure they are articulating appropriate standards of behavior in various corners of the market.\n\nWorking closely with our international counterparts, we have also been heavily involved with the development and launch of the FX Global Code. This was a significant effort set in motion by central bank governors around the world in the wake of the foreign exchange rate manipulation scandals. Facilitated and guided by central bank staff, the Code represented a cooperative effort by participants in foreign exchange markets around the world to articulate and raise standards of behavior. It represents a single global standard of good practice in this market that is crucial to the real economy, and has been endorsed by the foreign exchange committees in 17 jurisdictions across the world.\n\nImportantly, from my perspective as a lawyer in the United States, these practice codes are not law; they have not been set as a minimum standard of behavior using governmental authority. This is a feature and not a bug. I fully believe in the power and importance of law, regulation and robust enforcement; but these practice codes represent another tool in the toolkit. They are an opportunity for market participants to articulate and embrace better standards of behavior for themselves. They can also provide an anchor for compliance and risk officers who can play a vital role in raising conduct standards, and a benchmark for testing whether those standards are being achieved.\n\nThose firms and market participants that are serious about seeking to reduce misconduct risk can face a coordination problem, as short-term competitive pressures can make it difficult for individual institutions to work together to make long-term investments in cultural capital if other firms are not also making the same investments. Such coordination failures can prevent private actors from achieving a common objective, even if it is in their collective best interest—and again, if they are actually committed to change. 10 Our facilitation of practice code efforts is a mechanism toward overcoming that coordination problem. While the realization of that opportunity depends upon the will of market participants to engage and implement change, the official sector can play a role in catalyzing that change.\n\nTo conclude, I would like to reiterate a message from John Williams, the current President of the New York Fed. In a recent speech, he stated that while the journey toward reforming culture in the financial services industry is a long one, we are optimistic that we can and we will make progress. 11 With that in mind, I look forward to further innovation, adaptation and iteration of the various tools that we have to tackle this very complex issue.\n\n1 Many thanks to Raphael Landesmann for his assistance with these remarks.\n\n2 William Dudley, Ending Too Big to Fail (November 7, 2018).\n\n3 Stephanie Chaly, James Hennessy, Lev Menand, Kevin Stiroh, and Joseph Tracy, Misconduct Risk, Culture, and Supervision , Federal Reserve Bank of New York, December 2017.\n\n4 Jay Clayton, Observations on Culture at Financial Institutions and the SEC (June 18, 2018).\n\n5 Kevin Stiroh, The complexity of culture reform in finance (October 4, 2018).\n\n6 John Williams, Banking Culture: The Path Ahead (June 4, 2019).\n\n7 See Governance and Cultural Reform events .\n\n8 See CultureSprint: supporting and empowering managers to transform culture .\n\n9 See the Treasury Market Practices Group .\n\n10 Andrew Crockett, Marrying the micro- and macro-prudential dimensions of financial stability (September 20, 2000).\n\n11 John Williams, Banking Culture: The Path Ahead (June 4, 2019).",
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"speaker_name": "John Williams",
"speaker_role": "뉴욕 연은 총재",
"title": "Stiroh: Emerging Issues for Risk Managers",
"venue": "",
"pub_date": "2026-03-24T00:00:00+00:00",
"url": "https://www.newyorkfed.org/newsevents/speeches/2019/sti191107",
"text": "Good morning and welcome to the GARP Global Risk Forum. The Federal Reserve Bank of New York has been collaborating with GARP on this forum for a decade and it is always a pleasure to participate. This discussion provides real-time insight into critical issues at the center of the practice of risk management.\n\nA quick scan of today’s agenda highlights a number of topics of obvious importance—operational resilience, cyclical aspects of risk management, technology and big data. We are all thinking about these issues, and I look forward to your insights.\n\nI’d like to briefly discuss two topics where I expect risk managers will increase their focus in coming years—climate change and the cultural aspects of digital transformation. Both issues reflect potentially transformative trends for the economy and the financial system, and I believe they will take an increasing share of your bandwidth over the next decade. In both cases, the relevant questions from a supervisors’ perspective are: what new risks are introduced? How do firms manage them? And how do supervisors view them?\n\nBefore proceeding, I will emphasize that I am speaking for myself and these views do not necessarily reflect those of the Federal Reserve Bank of New York or the Federal Reserve System.\n\nThe U.S. economy has experienced more than $500 billion in direct losses over the last five years due to climate and weather-related events. 1 In addition, climate change has significant consequences for the U.S. economy and financial sector through slowing productivity growth, asset revaluations and sectoral reallocations of business activity. 2\n\nFor these climate-related risks, a new lexicon has emerged. Physical risk is the potential for losses as climate-related changes disrupt business operations, destroy capital and interrupt economic activity. Transition risk is the potential for losses resulting from a shift toward a lower-carbon economy as policy, consumer sentiment and technological innovations impact the value of certain assets and liabilities. These effects will be felt across business sectors and asset classes, and on the strategies, operations and balance sheets of financial firms.\n\nRisk managers must be aware of these risks and develop the tools needed to identify, monitor and manage them appropriately. Physical and transition risks may manifest through traditional risk stripes such as credit, market, operational, legal and reputational risk, but today’s tools are not necessarily well-suited for the unique challenges associated with climate change. Let me mention three of these challenges.\n\nFirst, climate change is a long-term issue where actions today are likely to have an impact over many decades. This exceeds the typical life span of a bank exposure, as well as the typical control and planning horizon of a financial institution. Risk management tools, models and scenarios are not designed to capture the long-term nature of climate-related risks. 3 Nonetheless, real impacts are already being felt and we must develop the tools to assess and manage them.\n\nSecond, climate change is complex—the impacts are uncertain, non-linear and hard-to-predict. Trusted credit models, for example, may prove less useful if the historical patterns of the frequency and severity of weather-related shocks become a poor guide to the distribution of future losses. Asset prices may move sharply, and unpredictably, as consensus views change and future impacts are priced today. Moreover, transition risks may stem from second-order, indirect effects like the impact on supply chains, sectoral shifts or worker productivity, which are inherently difficult to model and predict.\n\nThird, we face significant data gaps. Climate change is a global phenomenon, but risks should be assessed locally, which requires new data such as asset-specific, geo-spatial data. Borrower-specific analysis requires data, for example, on asset utilization and climate effects for particular industries at particular locations. Such granular data is currently limited and requires significant resources to acquire and process, but greater transparency about the physical location of assets will allow institutions to better assess exposures to at-risk borrowers or to specific geographic risks.\n\nAs supervisors, we can consider climate-related risks in terms of both microprudential and macroprudential objectives. To be clear, in my view, supervisors should take a risk management perspective, not a social engineering one. It is beyond our mandate to advocate or provide incentives for a particular transition path. Rather, supervisors should focus on the risks that emerge along the path decided by the public at large and their elected governments. Supervisors can use our tools to ensure financial institutions are prepared for and resilient to all types of relevant risks, including climate-related events.\n\nTo do this, we must continue to invest in research to better understand the economic and financial impact of climate-related events. For example, on Friday, the Federal Reserve Bank of San Francisco will host a conference on the economics of climate change. We can also continue to follow closely and learn from the approaches taken by other central banks, including the use of scenario analysis, stress testing and supervisory expectations to encourage institutions to factor climate risk into their risk management practices. Finally, we can seek to strengthen the data and modeling capabilities we need to assess climate-related risks as part of our forward-looking, data-driven supervision.\n\nGiven the far-reaching impact of climate risk on the structure of the economy and the financial sector, I am confident that risk managers will respond appropriately and firms will continue to build resilience to all risks. GARP, for example, is exploring this and has recently surveyed its members to better understand professional needs for “sustainability, climate risk, and ESG integration.” 4 I am interested to hear from all of you about how your institutions are developing tools and practices to integrate climate risk into your risk management frameworks.\n\nIt is no surprise to this audience that technological innovation, big data, and advanced analytics are transforming financial services. We can debate where we are on the maturity curve and what innovations are most likely to be transformative, but the direction of travel seems clear. I expect the afternoon session on “Technology, Big Data, and the Practice of Risk Management” will address core issues such as new approaches for model risk management in a world of widespread artificial intelligence; the inherent challenge of “explainability” and potential bias in algorithms; the strategic risks from new entrants; and the impact on human capital strategies.\n\nI want to highlight a complementary, but different issue and focus on how firms manage these changes. More broadly, what type of corporate culture is needed to support a successful digital transformation?\n\nOver the past five years, the New York Fed has emphasized the importance of a healthy culture to reduce misconduct risk. In addition, I think there is likely a link between a firm’s culture and its ability to adapt to a changing environment, whether it is technological innovation, demographic change, new business models, or climate change. Firms need a culture that allows change and is resilient to these trends.\n\nIn discussions of the impact of technology on financial services, for example, one extreme view is that new fintech entrants—either smaller start-ups or big-tech firms—will leverage technology and a customer-centric approach to disrupt the industry and outcompete stagnant incumbents, fundamentally transforming the industrial organization of financial services. An alternative, equally extreme view, is that incumbent financial firms with established customer bases, scale, vast quantities of data, and experience working in a regulated environment will “disrupt themselves” and maintain their central position in finance. The most likely outcome, as is typically the case, is somewhere in the middle, but change seems inevitable.\n\nIf all firms face a strategic imperative to innovate and adapt, a relevant question is what types of firm-specific factors will determine success? Clearly, things like business model, technological expertise, and resources will matter. I think that firm culture will also matter. 5 And by culture, I mean the values and shared norms within a group that influence individual behavior, collective decision-making and outcomes.\n\nAs firms innovate and transform how financial services are provided, I expect we’ll see the value of leadership from senior managers and boards as they outline the strategic case for change and exhibit the critical behaviors that promote it. I expect we’ll see the value of innovative environments where employees speak up, both raising new ideas and questioning assumptions. I expect we’ll see the value of cognitive diversity as firms tackle complex problems like a digital transformation from multiple perspectives. I expect we’ll see the value of agility that facilitates product innovation, reprioritization, constructive partnerships, or the successful integration of financial market specialists and technologists. Finally, I expect we’ll see the value of well-crafted incentives where employees are rewarded based on both “what” they do and “how” they do it.\n\nMore broadly, I think firms with high levels of “cultural capital” will be more likely to successfully implement a digital transformation in a sustainable, prudent and responsible manner. 6 This is a central question for risk managers and supervisors because the evidence suggests that most large-scale transformations fail. 7 Just like firms, investors and supervisors consider execution risk when assessing bank mergers, I expect more attention will focus on culture and the change management risks associated with innovation and digital transformation.\n\nIn my view, the official sector can facilitate this transition. The 2018 guidance on responsible innovation related to anti-money laundering and terrorist financing is a good example. 8 Supervisors can also press on the governance and change management framework to promote effective internal oversight. From our perspective, supervisors also need to be nimble and develop the necessary skills to assess innovation as firms transform.\n\nWhile a firm’s culture is not directly observable, I believe this will prove to be a critical part of any change initiative. Technological progress, innovation, and new models of competition are changing the financial industry and there will undoubtedly be winners and losers. Understanding all of the factors that drive successful transformations will be a critical insight for both risk managers and supervisors.\n\nThe financial sector is large, complex and constantly evolving due to a wide range of technological, business, and macro factors. Your job, and ours, is to be vigilant and open-minded in our thinking, constantly questioning our traditional assumptions and scanning the horizon to understand how the risk landscape is changing.\n\nThe topics covered at today’s conference are some of the most important risks that the industry faces. Climate change and digital transformation are two powerful trends with the potential to fundamentally change financial services. We all need to be forward-looking and proactive in order to promote our ultimate goal of a safe and sound financial system that supports the sustainable provision of financial services and economic growth.\n\n1 NOAA National Centers for Environmental Information (NCEI), Billion-Dollar Weather and Climate Disasters (2019) , National Oceanic and Atmospheric Administration.\n\n2 The Impact of Higher Temperature on Economic Growth , Riccardo Colacito, Bridget Hoffmann, Toan Phan and Tim Sablik, Economic Brief , August 2018, No. 18-08; Climate Change and the Federal Reserve , Glenn Rudebusch, FRBSF Economic Letter , 2019-19, March 25 2019; Fourth National Climate Assessment, Volume II: Impacts, Risks and Adaptation in the United States , U.S. Global Change Research Program.\n\n3 Mark Carney, Breaking the Tragedy of the Horizon – Climate Change and Financial Stability , September 29, 2015.\n\n4 Climate Risk Management at Financial Firms: Challenges and Opportunities , GARP Risk Institute, May 29, 2019; Climate Risk Management at Financial Firms: A Good Start, but More Work to Do , GARP Risk Institute, May 29, 2019.\n\n5 We’re Only Human: Culture and Change Management , James Hennessy, Federal Reserve Bank of New York, September 2019.\n\n6 Misconduct Risk, Culture, and Supervision , Stephanie Chaly, James Hennessy, Lev Menand, Kevin Stiroh and Joseph Tracy, Federal Reserve Bank of New York, December 2017.\n\n7 Leading Change: Why Transformation Efforts Fail , John P. Kotter, Harvard Business Review , January 2007 and How to Beat the Transformation Odds , McKinsey and Company, Survey , April 2015.\n\n8 Joint Statement on Innovative Efforts to Combat Money Laundering and Terrorist Financing , Board of Governors of the Federal Reserve System, SR 18-10, December 3, 2018.",
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"speaker_name": "John Williams",
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"title": "Williams: The Gold Beneath Our Feet",
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"pub_date": "2026-03-24T00:00:00+00:00",
"url": "https://www.newyorkfed.org/newsevents/speeches/2019/wil191106",
"text": "When plans for the New York Fed’s headquarters here at 33 Liberty Street were developed in 1921, the building committee compiled 33 pages of requirements for potential architects. 1 I can assure you that our appreciation for bureaucracy has endured the test of time!\n\nJoking aside, the focus of many of those requirements was specifications for the building’s gold vault. Beneath our feet lies a triple-tiered vault system with 122 separate compartments for storing gold bars. For those of you who are Harry Potter fans, it’s as close to Gringotts Bank as you’ll find anywhere in the world—although for security reasons I am not allowed to confirm or deny that we have a dragon down there.\n\nThe whole building was constructed around the vault. Engineers had to excavate 117 feet down to the bedrock for a foundation that could support the weight of the construction.\n\nWhy am going into so much depth about the gold? There is a reason!\n\nBut before I explain, I should give the standard Fed disclaimer that the views I express today are mine alone and do not necessarily reflect those of the Federal Open Market Committee or others in the Federal Reserve System.\n\nWhen the building was planned and constructed during the early part of the twentieth century, the gold was seen as a real vulnerability. It was conceivable that someone would try to rob the Bank and steal the gold.\n\nThe only time that’s happened was in the Bruce Willis movie Die Hard 3, which, to be clear, was only a movie!\n\nA lot of that owes to the skill of the architects of the building, and the law enforcement who protect it. But the other reason is that the risks we face today in 2019 look very different to the ones we were planning for in 1921.\n\nFor a thief today, it’s easier to use a laptop to buy some stolen credit card details online and commit fraud than it is to plan a Hollywood-style bank heist.\n\nAnd that’s what I’m going to say a few words about—the changing nature of risk—before handing over to this evening’s keynote speaker, John Dugan, Chair of Citigroup.\n\nIn previous decades it was easier to identify risk and what to do about it. You could see it, measure it, and fortify against it. But, as the world has changed, so have the risks that demand our attention and our resources. The new risks are harder to predict and inherently ambiguous: Steel and concrete can do little to protect us.\n\nOur reliance on technology means we need to think differently about cyber risk. The importance of innovation and intellectual property means we need to look for new approaches to talent and culture. And the threat posed by climate change means we need to give serious consideration to the resilience of our physical and digital infrastructure.\n\nThe New York Fed has the appearance of an historic institution, but behind the stone façade we’re grappling with these issues in the same way that you are. In our economic research, our supervision of financial institutions, the payments systems we operate, in short – in all that we do.\n\nTalent, technology, and innovation challenge us every day. They create incredible opportunity, but they also test us by exposing new vulnerabilities.\n\nI know that over the next couple of days there will be lots of valuable insights shared by experts about how to handle the challenges posed by big data, cryptocurrency, and climate change.\n\nBut first, to kick off the conference, it’s my pleasure to introduce John Dugan, Chair of Citigroup. Citigroup has operations in over 150 countries, with about 200 million customer accounts worldwide. 2 As head of a global employer with complex, international operations, John is no stranger to the changing nature of risk.\n\nJohn became Chair of Citigroup at the start of this year. Prior to that he was chair of the Financial Institutions Group at the law firm Covington & Burling LLP, where he spent much of his career. He has also held a number of public sector roles, including Comptroller of the Currency during a critical time for our financial system and economy, from 2005-2010.\n\nI’m looking forward to his insights and I know they will be the catalyst for some rich discussion.\n\n1 The information in this speech on the history of the New York Fed’s headquarters building comes from About the Building on the New York Fed’s website.\n\n2 Citigroup, Third Quarter 2019 Results and Key Metrics , October 15, 2019.",
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"title": "CFA Society of Indianapolis Annual Lunch",
"venue": "",
"pub_date": "2026-03-24T00:00:00+00:00",
"url": "https://www.chicagofed.org/publications/speeches/2025/11-20-cfa-society-indianapolis-annual-lunch",
"text": "Last Updated: 1/22/2026\n\nQuick Links\n\nAustan Goolsbee's Biography\n\nThe Federal Reserve's Dual Mandate\n\nUpcoming Events\n\nPress Kit\n\nNewsroom",
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"title": "Midwest Agriculture Conference",
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"pub_date": "2026-03-24T00:00:00+00:00",
"url": "https://www.chicagofed.org/publications/speeches/2025/sept-30-midwest-agriculture-conference",
"text": "Last Updated: 9/10/2025\n\nQuick Links\n\nAustan Goolsbee's Biography\n\nThe Federal Reserve's Dual Mandate\n\nUpcoming Events\n\nPress Kit\n\nNewsroom",
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"title": "Crain’s Power Breakfast | The Fed and The Economy: Trends for West Michigan",
"venue": "",
"pub_date": "2026-03-24T00:00:00+00:00",
"url": "https://www.chicagofed.org/publications/speeches/2025/sept-25-crains-power-breakfast",
"text": "Last Updated: 2/28/2025\n\nQuick Links\n\nAustan Goolsbee's Biography\n\nThe Federal Reserve's Dual Mandate\n\nUpcoming Events\n\nPress Kit\n\nNewsroom",
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"title": "mHUB’s Industry Disruptor Series",
"venue": "",
"pub_date": "2026-03-24T00:00:00+00:00",
"url": "https://www.chicagofed.org/publications/speeches/2025/sept-4-mhubs-industry-disruptor-series",
"text": "Last Updated: 2/28/2025\n\nQuick Links\n\nAustan Goolsbee's Biography\n\nThe Federal Reserve's Dual Mandate\n\nUpcoming Events\n\nPress Kit\n\nNewsroom",
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"title": "Aspen Ideas Festival 2025",
"venue": "",
"pub_date": "2026-03-24T00:00:00+00:00",
"url": "https://www.chicagofed.org/publications/speeches/2025/june-30-aspen-ideas-festival",
"text": "Last Updated: 2/28/2025\n\nQuick Links\n\nAustan Goolsbee's Biography\n\nThe Federal Reserve's Dual Mandate\n\nUpcoming Events\n\nPress Kit\n\nNewsroom",
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"speaker_name": "Jeffrey Schmid",
"speaker_role": "캔자스시티 연은 총재",
"title": "The Economic Outlook and Monetary Policy",
"venue": "",
"pub_date": "2026-03-24T00:00:00+00:00",
"url": "https://www.kansascityfed.org/speeches/the-economic-outlook-and-monetary-policy-march-2026/",
"text": "Remarks delivered to the Metro Denver Executive Club in Denver, Colorado.\n\nThank you for the invitation to speak today. I look forward to our discussion. Events like this are essential to how the Fed operates and reflect the importance of the Fed’s regional structure. The district I represent at the Federal Open Market Committee (FOMC) covers a seven-state region, and discussions with local businesses and communities underpin my participation in the Committee. An important part of my job is to give voice to the concerns and insights of individuals in the 10th District when it comes to the economy and monetary policy. One of the benefits of the Fed’s structure, with 12 independent regional banks spread across the country, is that it allows a level of interaction and participation that would not be possible if operations were centralized in Washington. We are your Fed. You should feel a connection with this institution, and I hope our discussion today will make that connection more immediate and real.\n\nBefore turning to the outlook for the economy and policy, let’s take a minute to look back. Way back. This year marks America’s 250th birthday. Though that might seem like some time ago, it is important to remember how new and revolutionary the United States was (and still is) as a system of governance and political organization. This is an experiment that has evolved and continues to evolve. But one outcome of that experiment has been the most dynamic and innovative economy the world has ever known. The Federal Reserve, at a relatively spry 113 years old, has been an important part of this success story. The United States has the deepest and most liquid financial markets in the world, and the dollar is the currency of international commerce. These developments have been supported by the history and institutional strength of the Federal Reserve.\n\nPart of what has made the Federal Reserve successful has been that its design and structure reflect one of America’s most important and defining strengths—its decentralized, federated system of distributed authority. The Federal Reserve, with 12 distinct regional banks working alongside the Board of Governors, embodies this national belief in decentralization. This model for managing monetary policy is uniquely American. I spend a lot of time in Kansas City and in our branches in Denver, Oklahoma City, and Omaha, and throughout our seven-state region, talking to business and community leaders about the economic conditions they face and the problems they are solving. These conversations inform my views on the economy and provide the input I need as I travel to Washington to participate in the FOMC meetings that set monetary policy.\n\nToday I will outline some thoughts on monetary policy, but first I would like to review some of the important, and often overlooked, non-monetary policy functions the Fed performs in support of the U.S. economy. It is probably surprising to some, but the vast majority of those working for the Fed here in Denver, as well as in our other offices, are less involved in monetary policy than in what I like to call monetary operations.\n\nFor example, Kansas City Fed staff are essential to the flow of money into and out of the U.S. Treasury. The Fed acts as the Treasury’s banker, and our staff are integral to the daily transfer of billions of dollars, from Social Security to disaster recovery payments. Millions of Americans count on the reliability and security of Fed systems as they interact with the U.S. government in their financial lives.\n\nWe also help ensure the safety and soundness of banking institutions throughout our seven-state region, bringing local knowledge and understanding to our interaction with district bankers. By enhancing confidence in the security of institutions of all sizes, our supervisors help level the playing field and support the many smaller banks that operate in the rural communities that define a large portion of our region.\n\nAnd importantly, the Fed maintains the payments infrastructure that is the circulatory system of our $30 trillion economy. These systems are essential to our economic health, and they must work consistently, safely, and securely. One example of this is the Federal Reserve’s 24-by-7-by-365 instant payments system, called FedNow. FedNow is the Fed’s first major new payment rail in over 40 years, and it is bringing instant payments technology to all financial institutions, no matter their size or location.\n\n\"Millions of Americans count on the reliability and security of Fed systems as they interact with the U.S. government in their financial lives.\"\n\nTurning to the outlook for the economy and monetary policy, the word I hear most frequently when discussing the economy with contacts throughout the district is “uncertainty.” However, despite elevated uncertainty, the economy performed well last year. Real GDP grew 2¼ percent in 2025, about the same pace as in 2024 and not that different than the average growth rate over the past 15 years. Growth would have been a bit stronger had the government not shut down towards the end of the year. For the most part, I am hearing optimism from contacts about the year ahead, an optimism that I share. I believe our growth trajectory remains strong, in part as expansionary fiscal policy supports demand, with consumers benefiting from larger tax refunds and businesses taking advantage of investment tax incentives.\n\nIn setting the stance of monetary policy, Congress has directed the Fed to support stable prices and full employment, a combination often referred to as the Fed’s dual mandate. Although growth remains solid, both sides of the dual mandate—labor and inflation—present some challenges.\n\nOn the labor side, employment growth in 2025 was weak. The economy reportedly added only 181,000 new jobs over the entire year, the slowest pace of job growth outside of a recession on record. However, even as hiring has slowed, there have been few signs that firing has risen, leading to what many have called a low-hire/low-fire job market. The unemployment rate, at 4.3 percent, remains low by historical standards. Much of the slowdown in hiring has been balanced by structural features that have led to a sharp falloff in the supply of new workers looking for jobs. This includes a steep decline in immigration as well as an aging workforce and an increase in retirements--a topic I will return to later. All in all, given these developments, the economy needs to produce fewer new jobs to keep the unemployment rate from rising and the labor market in balance.\n\nWith many different indicators of labor market health, not to mention frequent large revisions to the data, it can sometimes be confusing to determine the ultimate signal that should be taken from the data. A useful summary of the sometimes conflicting data is the Kansas City Fed’s Labor Market Conditions Indicators , released monthly and accessible on the Bank’s website. This measure, which combines 24 different data series to measure labor market health, has been cooling but remains a touch above historical averages and largely appears to suggest the labor market is in balance.\n\nTurning to the other side of the Fed’s mandate, inflation remains too hot. The recent data suggest that inflation remains closer to 3 percent than the Fed’s 2 percent inflation objective. Higher goods prices, partly on account of tariffs, are certainly part of the story, but the inflation rate for services is also running strong, and faster than what is consistent with us returning to our overall 2 percent inflation objective.\n\nInflation has been above the Fed’s objective for nearly five years now. I don’t think we have room to be complacent. History has shown us that persistent inflation can shift the psychology around price-setting, and inflation can become ingrained. Were that to occur, re-anchoring inflation at 2 percent would be difficult and costly. It is unlikely that we would still be talking about soft landings.\n\nLooking back over the past few decades, one of the greatest economic policy successes for the Fed, for the country, and perhaps for the world, has been the decline in worries about inflation. It is not just that the pace of inflation has decreased, but also households’ and businesses’ perception that higher inflation could happen again. The declining risk of inflation for most of the past three decades has had real benefits, allowing greater certainty and better planning.\n\nFormer Fed Chair Alan Greenspan defined price stability as “inflation so low and stable over time that it does not materially enter into the decisions of households and firms.” By this metric, we still have some work to do. In 2019 only 1 percent of small businesses reported inflation as their most important problem. In January, 12 percent of small businesses reported inflation as their number one problem. We should never underestimate how much people hate inflation—and for good reason. Inflation is an economic thief. Holding all else equal, a 1 percentage point increase in inflation lowers the purchasing power of U.S. household income by close to $300 billion. Though I believe our credibility on inflation remains intact, I don’t think we can be complacent, and the costs of losing that credibility are high.\n\nI have talked a bit about the near-term. Now I would like to take a step back and talk about a structural transformation that the economy is undergoing right now that has important implications not only for the future but also for the present. You might be expecting me to launch into a discussion of artificial intelligence, its impact on investment and energy prices, and the prospect of substantial productivity gains. And it is true that the pace of technological innovation around AI has been astounding. The potential disruptive effects of AI are being felt in the stock market, written about in countless editorials, and discussed at dinner tables around the country.\n\nBut there is another transformation going on right now that I think is as important and perhaps attracting a little less attention. I’m referring to the demographic transition and the aging of the population. Unlike the novelty and uncertainty around AI, population aging is slow moving and predictable. However, while we might all know that we are getting older—though some might try to personally deny it—less discussed is the fact that we are currently at an inflection point.\n\nLast August, demographic transition was the subject of the Jackson Hole Symposium gathering of global central bankers the Kansas City Fed hosts every year in Wyoming. (I recommend looking at the excellent papers from that meeting, available on our website, KansasCityFed.org. ) There are two interrelated demographic changes discussed at the Symposium that I would like to highlight. First, the slowing of population growth and second, the rapid aging of the population. In the United States, the population increased ½ percent in 2025, the slowest pace on record outside of war and pandemic, and it is projected to only slow further in the years ahead. As the baby boom generation retires, the growth of the workforce is even more anemic and is projected to start shrinking around the middle of the century.\n\nThe numbers from overseas are even more stark. Projections show the Chinese workforce declining next year and continuing to shrink through the remainder of the century. In all, the working age population in China is projected to decline by two-thirds, or almost ¾ of a billion people, by the end of the century.\n\nFewer people and fewer workers means slower economic growth. Historically, more labor has been one of the fundamental drivers of economic growth. In the United States this has been particularly true, and our economy is likely to need some adjustment to adopt to this new era.\n\nWhile an aging population will weigh on growth in the long-run, it is possible that population transition is supporting growth in the near-term. One place we see this is in the outsized role of health care in employment and consumption over the past year. Over the past five years there has been an almost 20 percent increase in the proportion of the U.S. population that is 75 or older, an age at which health care expenditure increases dramatically, and there are even steeper increases on the horizon. Between 2020 and 2040, the proportion of the U.S. population above 75 is expected to almost double to 12 percent.\n\nWe could already be seeing the impact of this increase on the health care sector. As I mentioned earlier, in 2025 the economy saw overall job gains of 181,000, whereas jobs in the health care and social assistance category increased by 693,000. Absent health care, the economy actually lost jobs last year. Within health care and social assistance, jobs in the home health care and services for the elderly sectors increased by 300,000.\n\nHigher spending on health care in 2025 also supported consumption and economic growth. Consumption was the largest contributor to economic growth last year, contributing 1.8 percentage points to total real GDP growth of 2.2 percent. Within consumption, about two-thirds of this increase can be attributed to health care, pharmaceuticals, and social care for the elderly. Looking at the separate categories of health care spending, the fast-growing segment is home health care, consistent with the strong employment growth in this sector.\n\nWhile demand for health care is increasing rapidly, so far inflation in the sector has been high, but not especially so. However, wage growth for health care workers remains far higher than the pre-pandemic pace—not surprising given the need to attract a growing number of workers into the sector. Overall, higher labor costs and relatively moderate price increases have increased pressure on margins in the sector, certainly something I have been hearing about from contacts in the industry. And there is considerable risk that further increases in prices and inflation might be forthcoming.\n\nWhat does this mean for monetary policy? As I discussed in a recent speech, when it comes to the outlook for inflation, not all growth is created equal. Growth led by increased supply, perhaps on account of AI-led advances in productivity, can boost output and lower inflation. That’s a winning combination. In contrast, demand-led growth, such as increased health care spending related to an aging population, can increase output but often at the cost of higher inflation. Simply put, supply-driven growth is disinflationary. Demand-driven growth is not.\n\nIs growth being led by supply or demand? With so many competing but intertwined developments, it can be hard to tell. But we do have one reliable indicator that can cut through all the confusion and provide a quick answer. That is inflation. Overall, with inflation still running hot, it appears that demand is outpacing supply across much of the economy. I remain open to the possibility, and I’m even optimistic, that AI and other innovations will eventually lead to a non-inflationary, supply-driven growth cycle. In fact, AI might be necessary to offset the drain on growth from a smaller workforce. However, based on the current rate of inflation, we are not there yet.\n\nThe views expressed are those of the authors and do not necessarily reflect the positions of the Federal Reserve Bank of Kansas City or the Federal Reserve System.\n\nJeff Schmid is president and chief executive officer of the Federal Reserve Bank of Kansas City. He represents the Tenth Federal Reserve District on the Federal Open Market Comm…",
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"speaker_name": "Jeffrey Schmid",
"speaker_role": "캔자스시티 연은 총재",
"title": "Monetary Policy and the Economic Outlook",
"venue": "",
"pub_date": "2026-03-24T00:00:00+00:00",
"url": "https://www.kansascityfed.org/speeches/monetary-policy-and-the-economic-outlook-albuquerque/",
"text": "Remarks delivered at the Economic Forum of Albuquerque in Albuquerque, New Mexico.\n\nThank you for joining me today. It is an honor to be in the beautiful state of New Mexico, and in Albuquerque, one of the largest cities in the seven-state region that makes up the Federal Reserve’s Tenth District.\n\nThe Federal Reserve’s regional structure, with 12 independent and locally rooted district banks spread across the country, is one of the most defining features of the nation’s central bank. These regional banks, including the Kansas City Fed, work alongside the Board of Governors, located in Washington, D.C., to set monetary policy and influence interest rates across the entire economy. This system of regional input in setting monetary policy, which is unique to the United States, ensures that a wide variety of voices and views, including yours, inform some of the most important economic decisions in our country.\n\nFrom Kansas City and our offices in Denver, Omaha, and Oklahoma City, the Bank engages with local communities, listening and collecting insights and data that shape policy. I personally find speaking to individuals about their economic lives to be one of the most enriching parts of my job, and I take every opportunity I can to travel throughout the district.\n\nSpeaking of travel, I would like to bring your attention to a new Kansas City Fed publication. Just yesterday we released “ The Byways Report: The Scenic Route to Rural Prosperity .” _ I encourage you to look it up on our website, KansasCityFed.org. This extensive report looks at the importance of byways tourism to our region’s economy. Our hope is that the report also offers useful insights so that local development officials might learn from the success of others. Tourism is an important industry in many of the rural regions in the Tenth District, and byways are important conduits for that industry. This report is just one example of how the Fed invests in understanding the regional economy, while also contributing to the region’s economic success.\n\nThe timing of the report coincides with the 100th anniversary of Route 66, one of the most recognized byways in the world and an important link tying together four of the seven states in our District. Locally, at 18 miles, Central Avenue in Albuquerque is the longest continuous stretch of Route 66 in any urban area along the entire 2,500-mile length of the highway. To many, Route 66 is the epitome of Americana, with its wide-open spaces interrupted only by unique and distinctive local communities, each exceptional in its own way. This is the story of America, a set of distinct regions and economies, linked together to form a more powerful whole. The fundamental importance of regionalism to the nation’s development and ultimate strength continues today in the structure of the Federal Reserve. We are your bank, and we work every day to make sure you have a voice in the nation’s economic policy.\n\nI will now turn to what I am hearing and seeing in the economy. But I very much look forward to hearing about what you are seeing during Q&A time following my remarks.\n\nKansas City Fed President and CEO Jeff Schmid outlined his perspectives on monetary policy and the Federal Reserve's balance sheet during remarks delivered this morning to the Economic Forum of Albuquerque in Albuquerque, N.M.\n\nThe economy enters 2026 with considerable momentum. Gross Domestic Product (GDP) expanded by 4.4% in the third quarter of 2025, and data for the end of the year show continued strength. Consumer spending and AI-related investments underpin much of this growth. Based on what I’m hearing from contacts, I am hopeful that the economy will outperform again this year. What are the implications of this strong growth outlook for inflation and monetary policy?\n\nWhen it comes to the outlook for inflation, not all growth is created equal. Growth led by increased supply, perhaps on account of advances in productivity, can boost output and lower inflation. That’s a winning combination. In contrast, demand-led growth can increase output but often at the cost of higher inflation. Simply put, supply-driven growth is disinflationary. Demand-driven growth is not. With inflation running above the Fed’s target for nearly five years now, the distinction matters when thinking about the correct course for monetary policy. In setting monetary policy, one of the most important questions we face is whether growth is being led by a jump in the capacity of the economy to supply goods and services or by a burst of demand for those same goods and services.\n\nIn approaching this question, I will first look at supply developments before turning to demand. Recent productivity trends suggest that the strong growth we are seeing is at least partly supply driven. Despite above-average economic growth in 2025, the pace of hiring was depressed. In other words, firms were ramping up output but not payrolls. By doing more with less, businesses have found ways to boost productivity. In fact, output per hour, a measure of labor productivity, grew faster in the third quarter of 2025 than in any quarter from 2010 to 2019.\n\nA natural question is whether this increase in productivity reflects early returns on AI. Nearly every business I speak with is eager to experiment and learn how to leverage this new technology. However, the link between AI and recent increases in productivity is not clear. While productivity growth has been stronger in industries more intensively using AI, analysis by my staff finds that this relationship is fairly weak. _ Instead, it appears that other factors may be playing a bigger role in boosting productivity.\n\nOne contributor to the recent rise in productivity is a falloff in labor market churn. As we emerged from the pandemic, historically high employee turnover reduced productivity. Firms spent resources recruiting and training workers, only to lose them a short while later. More recently, my contacts broadly agree that we are now in a low-hire/low-fire/low-quit labor market. One positive from this lack of churn is higher productivity, as employees gain skills and become more efficient with experience. While these recent productivity gains are encouraging, it is not clear if productivity will continue to grow at this pace or if the recent pickup reflects one-time gains from lower turnover.\n\nDemand has also played an important role in driving the recent step up in growth. Business investment has been strong in recent quarters, owing in large part to the AI buildout. While these investments could eventually lead to sustained productivity gains, the current phase of the AI buildout is boosting demand for equipment and materials.\n\nConsumer demand has also been solid. Wealth gains have likely contributed to the resilience of consumer spending. Overall household net worth relative to income remains near its all-time high. Increases in wealth lead households to spend more of their income and save less, consistent with the decline in the personal savings rate over the past year. However, these wealth effects have also likely contributed to the unevenness of spending across households. Business contacts broadly report that many low- and middle-income households are straining to keep pace with inflation and that the strength of demand is disproportionately being driven by high-income households.\n\nNotwithstanding this unevenness, the outlook for overall demand is strong. Changes in tax policy will likely boost disposable income for many households, which should further support, and perhaps even broaden, consumer spending. Fiscal tailwinds—together with the strength of overall household balance sheets and the ongoing AI-buildout—are likely to lead to continued strong demand growth.\n\nReturning to my earlier question: Is growth being led by supply or demand? With so many competing but intertwined developments, it can be hard to tell. But we do have one reliable indicator that can cut through all the confusion and provide a quick answer. That is inflation. Overall, with inflation still running hot, it appears that demand is outpacing supply across much of the economy. I remain open to the possibility, and I’m even optimistic, that AI and other innovations will eventually lead to a non-inflationary, supply-driven growth cycle. However, based on the current rate of inflation, we are not there yet.\n\nThe job of monetary policy is to keep inflation near 2% and the labor market at full employment. With demand outpacing supply and inflation running closer to 3% than 2%, I see it as appropriate to maintain a somewhat restrictive policy stance. Restrictive monetary policy can help slow demand growth, giving supply time to catch up and alleviate inflationary pressures.\n\nWith the cumulative rate cuts carried out since 2024, the federal funds rate is now well off its post-pandemic high and arguably no longer restraining activity all that much, if at all. As I’ve said before, I think it is best to judge whether interest rates are restrictive or accommodative based on how the economy performs. With growth showing momentum and inflation still hot, I’m not seeing many indications of economic restraint.\n\nI therefore supported the Federal Open Market Committee’s decision to hold rates steady in January. In my view, further rate cuts risk allowing high inflation to persist even longer. During the pandemic there was much talk about transitory inflation or one-time shocks to prices, language that has reemerged as economists debate the effect of higher tariffs on U.S. prices. It seems to me that price pressures do not arise as either intrinsically persistent or transitory. Rather it is the actions of monetary policy that determine whether a price shock is transitory or not. Though it was before my time on the FOMC, I see this as a major takeaway of the pandemic inflation. A price shock is ultimately transitory on account of the Fed’s actions, and not some internal dynamic independent of the central bank. We must remain focused on our headline inflation objective, otherwise I believe there is a real risk that inflation will get stuck closer to 3% than 2% in the long run.\n\nWhile most discussions of monetary policy center on interest rates, the Federal Reserve’s balance sheet is another important and increasingly discussed aspect of policy. The Fed’s balance sheet matches the Fed’s assets—primarily Treasuries and mortgage-backed securities (or MBS)—with the Fed’s liabilities—primarily the dollar bills in your pocket and bank reserves, which are the deposits of commercial banks at the Fed. Prior to the pandemic, the balance sheet stood at about $4.2 trillion and then more than doubled to about $9 trillion by 2022 as the FOMC responded to financial market dysfunction and the pandemic recession with large purchases of Treasuries and MBS. From June 2022 up until December of last year, the FOMC was shrinking the Fed’s balance sheet, which today stands at $6.5 trillion.\n\nIn December, the FOMC once again began growing its balance sheet. However, I want to quickly dispel any notion that the resumption of balance sheet growth is a form of policy easing or that the FOMC has finished the process of lessening its impact on financial markets. The bottom line is that although balance sheet growth has resumed, the FOMC continues to wind down its mortgage portfolio and is reducing the maturity of its Treasury holdings. As I will discuss, this ongoing work is critical in my view to ensure that the Federal Reserve reduces its footprint in financial markets.\n\nAs I said, up until December the Fed was decreasing its balance sheet and running off its holdings of Treasuries and MBS. Why not shrink back to the pre-pandemic size? The minimum size of the Fed’s balance sheet is determined by demand for the Fed’s liabilities. Currency and bank reserves are the two largest liabilities on the Fed’s balance sheet. Demand for U.S. currency has grown significantly since 2019, and that alone requires a larger balance sheet. Much of this growth is organic, meaning as the economy grows more money is needed to meet the liquidity needs of households and businesses.\n\nDemand for reserves has also grown over time. Like currency, a larger economy necessitates more reserves in order to settle and clear payments between banks. That said, if you look at reserves as a share of bank assets, it appears that there has been an increase in reserve demand beyond what growth in the financial system alone would predict. Said differently, reserves are taking up much more space on bank balance sheets today than they did just prior to the pandemic.\n\nWith so many reserves, it might come as a surprise then to hear that the decision to resume growing the balance sheet was based on meeting the liquidity needs of financial institutions. Late last year there were emerging signs of reserve shortages. Banks were paying a premium for overnight liquidity, putting upward pressure on interest rates. By growing the balance sheet, the FOMC can add reserves to the banking system and maintain firm rate control as well as support the flow of liquidity through the financial system.\n\nWhile I supported the decision to begin growing the balance sheet and increasing bank reserves, I want to make two important points regarding that decision. First, while reserve demand is surprisingly high now, I think there are opportunities to reduce reserve demand over time, especially as the regulatory environment and payments technologies continue to evolve. Guiding towards a lower level of reserves is not only feasible in my opinion, but something that should be pursued to allow for a smaller balance sheet. Second, though we are again growing the balance sheet for liquidity purposes, we are continuing to reduce our footprint in other ways. We continue to wind down our mortgage portfolio, and we have started to reduce the maturity of our Treasury holdings.\n\nIn my view, winding down our mortgage holdings is critical to ensuring that the Fed minimizes its footprint in financial markets. As it stands today, the Fed’s footprint in mortgage markets is too large. Since 2022, the FOMC has reduced its MBS portfolio by about $700 billion, from about $2.7 trillion to $2 trillion. While that is good progress, the Committee remains far from its longer-run objective of a primarily-Treasury portfolio. The Fed’s MBS portfolio still accounts for roughly 20 percent of the agency MBS market.\n\nMany have suggested that by purchasing mortgage securities, the Fed has picked winners and losers in the economy by allocating credit to particular sectors. I am sympathetic to that position. The circumstances that led to MBS purchases—first in 2008 and then again in 2020—have long passed. Mortgage markets are liquid and functioning. Therefore, even as we are growing the overall balance sheet, it is important that we continue to reduce our mortgage holdings.\n\nA second aspect of our footprint that requires attention is the duration of our Treasury portfolio. The average maturity of our Treasury holdings today is well above the average maturity of Treasuries outstanding. The Fed’s long-duration balance sheet distorts the price of duration and flattens the yield curve. This was by design during prior rounds of quantitative easing aimed at driving down longer-term interest rates. However, it is my view that in normal times the Fed’s balance sheet should not influence the shape of the yield curve. The balance sheet growth initiated in December is reducing this distortion by concentrating new purchases in Treasury bills. In shortening the average maturity of our holdings, the FOMC is continuing to reduce the influence of the Federal Reserve’s balance sheet on longer-term interest rates.\n\nIn closing, let me explain why I think reducing the footprint of our balance sheet matters within the context of Fed independence. By independence, I mean the ability to set interest rates in pursuit of our dual-mandate objectives without political considerations. History has shown that a central bank focusing solely on its mandates delivers better economic outcomes.\n\nOutside of an economic emergency, this independence has historically resulted in the Fed setting short-term interest rates and the U.S. Treasury determining the maturity structure of government debt. As I have said before, if the Fed maintains a large, long-duration balance sheet—one comprised partly of mortgage securities—we risk intertwining the roles of the Fed and Treasury. This can blur the lines between monetary and fiscal policy and threaten the Fed’s independence. The more the lines between monetary and fiscal policy become blurred, the greater risk that the Fed’s balance sheet is no longer viewed as solely a tool of monetary policy.\n\nMaintaining the independence of monetary policy is essential for the economy’s long-term success. Sound monetary policy supports economic and financial stability, sustained economic growth, and rising living standards. The United States has the greatest economy in the world. Sustainably achieving our dual-mandate objectives is the best thing the Fed can do to ensure the continued prosperity of our nation.\n\nSee: “ The Byways Report: The Scenic Route to Rural Prosperity .”\n\nNida Cakir Melek and Sydney Miller. “A New U.S. Productivity Chapter? What Industry Data Says About AI.” Kansas City Fed Economic Bulletin . Forthcoming.\n\nThe views expressed are those of the authors and do not necessarily reflect the positions of the Federal Reserve Bank of Kansas City or the Federal Reserve System.\n\nJeff Schmid is president and chief executive officer of the Federal Reserve Bank of Kansas City. He represents the Tenth Federal Reserve District on the Federal Open Market Comm…",
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"speaker_name": "Mary Daly",
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"title": "The AI Moment? Possibilities, Productivity, and Policy",
"venue": "",
"pub_date": "2026-03-24T00:00:00+00:00",
"url": "https://www.frbsf.org/news-and-media/speeches/mary-c-daly/2026/02/the-ai-moment-possibilities-productivity-and-policy/",
"text": "Silicon Valley Leadership Group San Jose, California\n\nGood afternoon and thank you for that kind introduction. And thank you to the Silicon Valley Leadership Group and to San Jose State University for having me here. I am looking forward to a great conversation.\n\nNow standing here in Silicon Valley, many of you might find AI exciting, full of promise and possibility. For others, it may feel more worrisome, a potential disrupter to lives, livelihoods, and what it means to be human. 1\n\nThis is not surprising. People also had mixed feelings about electricity and the automobile, with some fearing them as dangerous, supernatural, even evil, while others imagined their potential, quickly adopting the novelty of driving or using electricity in their homes. Irrespective of where they stood, almost everyone wondered how these technologies would change the role of humans in the world. 2\n\nBut knowledge gives us power—to separate facts from fears, speculation from reality, and worst-case scenarios from more likely outcomes. And this is my topic for today. What we know about AI, what remains uncertain, and how monetary policy should respond in the near term and the longer run.\n\nBefore I go further, I will remind you that the views I express today are my own and do not necessarily reflect those of anyone else on the Federal Open Market Committee (FOMC) or in the Federal Reserve System.\n\nLet me start with a simple maxim—transformations take time. Think about electrification. Sitting here with lights, computers, and fully electric vehicles, it’s easy to imagine it just happened with the flip of a switch. The truth is, it took nearly 100 years to move from Michael Faraday’s generation of the electric current in 1830 3 to electricity boosting productivity growth and transforming the economy. 4\n\nFigure 1: Key electricity innovations and U.S. labor productivity growth\n\nThe evolution is instructive (Figure 1). The figure shows the timeline of electric innovation and productivity growth in the United States. Many things had to happen to turn Faraday’s discoveries into practical applications. Innovators had to develop the light bulb, the electric motor, and the electric unit drive. Builders had to lay out the electrical grid, install transmission lines, and ensure sufficient access for households and businesses to make electricity a worthwhile investment. 5\n\nAnd this was just the beginning. To create sustained gains in productivity growth associated with general-purpose technologies (GPT), the very essence of work had to change. Production had to be redesigned, factory floors reengineered, and workforces retrained. 6 Firms had to shed the constraints of the previous steam-powered world and reimagine business in an era of electricity.\n\nThe scale of change was enormous, and it took time.\n\nThe question is, should we expect a similar long period of access, adoption, learning, and transformation for AI? Maybe, but we are already well into it. The origins of AI date back to the 1940s and ’50s, and it has evolved much like electricity did (Figure 2).\n\nFigure 2: Parallel timelines of AI and electricity innovations\n\nAI began with foundational research on neural networks and thinking machines. It was soon recognized as a field of study. 7 Then came the experiments, use cases, and eventually applications like applied machine learning and robotic processing. These demonstrated AI’s value but fell short of creating sustained gains in productivity growth. 8\n\nThen in 2022, again nearly 70 years from AI’s beginnings, ChatGPT and other large language models, with natural language processing, became available to anyone who wanted to use them. 9 Their accessible and humanlike interface encouraged people to try them and made businesses want to harness their capabilities. 10 Their arrival signaled a major change in AI technology and access.\n\nThe change was dramatic. We heard this in our business and community outreach. 11 And we experienced it with our own employees. AI went from science and sci-fi to everyday work and conversation.\n\nWe now know that this surge moment was more than simple enthusiasm. Excitement has turned into real investments. Businesses of all sizes are working to leverage AI. Around the Twelfth Federal Reserve District—the nine states in the West—we’ve heard about firms using AI for consumer research, back-office operations, sales, and product development, saving time and money. 12 Research case studies find similar results—cost-savings when firms use AI to automate—in everything from call centers, software development, and financial management, to marketing and even health care. 13\n\nAs the figure shows, commercial applications and expanding adoption are critical steps for AI to produce more systematic increases in productivity growth.\n\nThe question is: Will it be enough? Is GenAI a sufficient catalyst to change the nature of production and business?\n\nThe truth is no one’s sure. It is easy to see the possibilities but harder to know when and how they will evolve.\n\nSo far, most macro-studies of productivity growth find limited evidence of a significant AI effect. 14 Even firms that say it’s useful find little evidence of transformative gains. 15 Some of this could be timing. AI adoption and use are still evolving, so it may be too soon to see results in aggregate measures. AI technology is also changing rapidly. So, firms could be focused on acquiring and learning new tools, like agentic AI, rather than rethinking business.\n\nBut it could also be that we are simply not there yet. That while GenAI and related applications are useful, they are not the innovation that spurs broad-based reorganization of the economy.\n\nTake the financial sector. Several firms have reported using AI in the loan application process. 16 Uses range from initial document review to checking the final application. While automating these steps saves time and money, it falls short of transforming the overall process. It is analogous to replacing a steam-powered motor with an electric one but leaving the factory floor unchanged—good progress but not transformative.\n\nSo, what will that take? Likely, something you don’t expect.\n\nThe factors that made electricity a general-purpose technology were not solely technologies, but ideas. Innovative firms used imagination and creativity to start fresh and build a world shaped by electricity, rather than leverage electricity in a steam-powered world.\n\nThe same path is likely to hold for AI. Technology will enable, but ideas will determine when it transforms.\n\nAnd this brings me to monetary policy and how we should think about AI as we work to achieve full employment and price stability, our congressionally mandated goals. Fortunately, this is not the first time the FOMC has had to manage policy in a time of transformation.\n\nIn fact, I began my career at the Fed during a similar period. It was the mid-1990s—the beginning of the computer and internet revolution. Businesses were ramping up investment in information technology equipment and software to take advantage of these emerging technologies, but there was little impact on official measures of U.S. productivity growth. 17 At the same time, FOMC policymakers were concerned about elevated inflation and a tightening labor market. Standard macro models and monetary policy thinking suggested interest rates should rise to ward off overheating in the labor market and a more significant run-up in inflation.\n\nThen-Chair Greenspan offered a different view. He distrusted the official productivity numbers, finding them at odds with the surge in information technology investment we were seeing. He posited that the burgeoning computer revolution would spur sustained productivity growth, allowing the economy to grow faster without putting upward pressure on prices. 18 In this scenario, the economy would not need to be bridled, and interest rates would not need to increase.\n\nHe found evidence for this possibility in the disaggregated micro data, including what he was hearing from executives. And there he saw considerable possibilities. Wholesale and retail firms were using inventory management systems to reduce warehouse stockpiling. Trucking companies were leveraging GPS to reduce deadhead hauling. Manufacturing firms were using computer-assisted designs to do mass customization and reduce waste.\n\nWe asked the same questions at the San Francisco Fed. We talked to firms and walked factory floors, looking for evidence that computers and software were making a difference. We found numerous examples. But we also discovered something bigger and more significant. Businesses were asking questions about how they could fundamentally alter the way they produced goods and services. Their focus was on factory design and business process, with computers and software at the foundation. This looked like the pattern with electricity, and it began to deliver sustained gains in output, revenue, and longer-run profitability.\n\nPolicymakers took this information and debated whether and when these micro examples could lead to the type of economy-wide productivity growth that Chairman Greenspan considered. 19 In the end, the FOMC remained patient on policy and the roaring ’90s followed, with a strong labor market and sustained growth. 20\n\nSo, what do these lessons teach us about monetary policy today? First, we won’t find all the answers in the aggregate data on productivity, the labor market, or inflation. Seeing developments before they fully emerge requires digging deeper, relying on disaggregated information that foreshadows transformation. Second, there is no matrix that tells us exactly what data to follow at any moment in time. Greenspan’s innovation wasn’t looking at more data; it was looking at the right data—finding inconsistencies in what he saw and working to resolve them. Third, talking to businesses matters. Businesses invest, experiment, and learn long before we see it in aggregate productivity data. Incorporating this information and seeing how it supports or negates what we expect is essential to making appropriate policy decisions.\n\nIn the end, it wasn’t just good luck that allowed Greenspan to navigate the 1990s, it was also good practice. The willingness to listen to businesses, hear their ideas, use data and evidence to test them, and invite others to do the same.\n\nTurning back to today, none of this is a playbook for managing the economy and AI, but it is a foundation. It is a reminder that monetary policy is a forward-looking business. To get it right, we must be grounded in what we see and open-minded to what’s possible. The willingness to confront what we know and what we don’t is essential to making appropriate and durable policy that serves all Americans.\n\n1. Several U.S. household surveys show that most Americans are concerned about the impact of artificial intelligence on the labor market and people’s ability to think creatively. See, for example, Kennedy et al. (2025) and Lange & Alper (2025).\n\n2. For historical accounts of Americans’ attitudes towards electricity and automobiles, see Sullivan (1995) and Norton (2008) which describe the fear and even panic Americans felt related to these new technologies.\n\n3. British scientist Michael Faraday and American scientist Joseph Henry independently worked on electromagnetic induction, which was foundational to the later development of electric motors (Al-Khalili 2015).\n\n4. See Du Boff (1967), Devine (1983), and Al-Khalili (2015) for accounts on the development of electric power and the electrification of the U.S. manufacturing sector.\n\n5. For example, according to Devine (1983), the adoption of the unit drive benefited from the availability of cheaper and smaller motors that run on alternate current and a reduction in the cost of alternate current for industrial use from the construction of Niagara Falls Power Plant. See additional examples in Du Boff (1967) and David (1990).\n\n6. Devine (1983) outlines the transformations factories underwent to realize the productivity gains from electrification and electric motors.\n\n7. AI was formally named and described as a field of research during the 1956 Summer Research Project on Artificial Intelligence at Dartmouth College, but its foundational research can be traced to Alan Turing’s theory of computation (1930s), published research on neural networks by McCulloch and Pitts (1943), and Turing’s work on thinking machines (the Turing Test) in 1950. For a more detailed history, see Nilsson (2009) and Stanford’s One Hundred Year Study of Artificial Intelligence (Littman et al. 2021).\n\n8. This is consistent with recent analysis by Fernald et al. (2024), Foerster (2024), and Kahn and Rich (2026).\n\n9. Key innovations that preceded the launch of OpenAI’s ChatGPT chatbot include the rise of deep learning, transformer architectures, and foundation models, all of which benefited from an expansion of digital datasets and computational capacity (He, Cao, and Tan 2025).\n\n10. This has driven adoption among both households and businesses. See, for example, Bick, Blandin, and Deming (2025) and McKinsey (2025).\n\n11. In addition to longstanding outreach to businesses and communities, the San Francisco Fed and the Federal Reserve System Innovation Office launched the EmergingTech Economic Research Network (EERN) in 2024 to support a better understanding of how new technologies like GenAI are shaping the economies of today and the future.\n\n12. Some examples include using AI to research and develop new crop varieties in agriculture, help scale tasks more effectively in IT and finance, and automate important but time-consuming routine tasks in the health care profession. For more insights on how our business contacts are utilizing AI, see, for example, Federal Reserve Bank of San Francisco (2026; 2025a; 2025b; 2024).\n\n13. Imas (2026) provides an extensive list of the current literature on the productivity impact of AI. Sukharevsky et al. (2025) additionally discuss use cases in the financial services sector.\n\n14. See, for example, discussion by Imas (2026) on reasons why the macroeconomic literature does not find economy-wide productivity gains from AI while microeconomic studies tend to find some gain. Additionally, see work by Acemoglu (2025) and Aghion and Bunel (2024).\n\n15. For example, Yotzov et al. (2026) survey over 5,000 firm executives and find little impact of AI on either employment or productivity over the past three years. Similarly, a McKinsey (2025) survey found that for most organizations, the use of AI did not significantly affect enterprise-wide profits.\n\n16. For example, Ng (2026) describes how AI, already being implemented as a tool in the preliminary approval step of the loan-issuance process, could revolutionize loan applications if coupled with a workflow restructuring. Additionally, panelists at the 2025 Federal Reserve Payment Innovation Conference discussed the potential for AI and blockchain technologies to provide efficiency gains in payments, reduce operational costs in the reconciliation process, and lower risks on both fronts (Board of Governors 2025a,b,c).\n\n17. As Anderson and Kliesen (2006) point out, incoming data during 1995 and 1996 were not signaling an increase in labor productivity growth. Subsequent data revisions showed that productivity began accelerating before 1995.\n\n18. For example, Chair Greenspan argued during the September 1996 FOMC meeting that a pickup in productivity growth, which was not yet evident in the aggregate data but was beginning to appear in some economic analyses of disaggregated data, was helping contain inflation despite strong wage growth figures (Board of Governors 1996). Other policymakers echoed his views and shared anecdotal evidence of U.S. businesses experiencing productivity gains that surpassed official figures.\n\n19. See Board of Governors (1997) for discussions of the role that accelerated productivity might play in containing inflation. Additionally, see Greenspan (1999) for a summary of the findings on productivity growth in the late 1990s, which he attributed to innovations in information technology.\n\n20. The latter half of the 1990s was later recognized as showing an increase in trend productivity growth (Fernald 2015). As Frankel and Orszag (2001) and Mankiw (2001) highlight, there were other factors behind the strong economic performance in the 1990s, including deregulation, globalization, and stable food and energy prices in global markets. For more information on policymakers’ actions in the 1990s and the conditions that supported the roaring 90s, see Daly (2025) and Blinder and Yellen (2001).\n\nAcemoglu, Daron. 2025. “The Simple Macroeconomics of AI.” Economic Policy 40(121, January), pp.13–58.\n\nAghion, Philippe, and Simon Bunel. 2024. “ AI and Growth: Where Do We Stand? ” Manuscript, EmergingTech Economic Research Network, Federal Reserve Bank of San Francisco.\n\nAl-Khalili, Jim. 2015. “ The Birth of the Electric Machines: A Commentary on Faraday (1832) ‘Experimental Researches in Electricity’ .” Philosophical Transactions, Series A: Mathematical, Physical, and Engineering Sciences 373(2039), 20140208.\n\nAnderson, Richard G., and Kevin L. Kliesen. 2006. “ The 1990s Acceleration in Labor Productivity: Causes and Measurement .” Federal Reserve Bank of St. Louis Review 88(3, May), pages 181–202.\n\nBergeaud, Antonin. 2024. “ The Past, Present, and Future of European Productivity .” Proceedings from “Monetary Policy in an Era of Transformation,” ECB Forum on Central Banking, Sintra, Portugal, July 1–3.\n\nBergeaud, Antonin, Gilbert Cette, and Rémy Lecat. 2016. “ Productivity Trends in Advanced Countries between 1890 and 2012 .” Review of Income and Wealth 62(3, September), pp. 420–444.\n\nBick, Alexander, Adam Blandin, and David Deming. 2025. “ The State of Generative AI Adoption in 2025 .” St. Louis Fed On the Economy , November 13.\n\nBlinder, Alan S., and Janet L. Yellen. 2001. The Fabulous Decade: Macroeconomic Lessons from the 1990s . Century Foundation Press.\n\nBoard of Governors of the Federal Reserve System. 1996. “ Meeting of the Federal Open Market Committee, Sept. 24, 1996: Transcript .”\n\nBoard of Governors of the Federal Reserve System. 1997. “ Meeting of the Federal Open Market Committee, May 20, 1997: Transcript .”\n\nBoard of Governors of the Federal Reserve System. 2025a. “ Transcript: AI in Payments .” Washington, DC, October 21.\n\nBoard of Governors of the Federal Reserve System. 2025b. “ Transcript: Bridging traditional finance with the digital asset ecosystem .” Washington, DC, October 21.\n\nBoard of Governors of the Federal Reserve System. 2025c. “ Transcript: Tokenized Products .” Washington, DC, October 21.\n\nDaly, Mary C. 2025. “ Policymaking Amid Change .” SF Fed Blog , November 10.\n\nDavid, Paul A. 1990. “The Dynamo and the Computer: An Historical Perspective on the Modern Productivity Paradox.” The American Economic Review 80(2), pp. 355–361.\n\nDevine, Warren D., Jr. 1983. “From Shafts to Wires: Historical Perspective on Electrification.” The Journal of Economic History 43(2), pp. 347–372.\n\nDu Boff, Richard B. 1967. “The Introduction of Electric Power in American Manufacturing.” The Economic History Review 20(3), pp. 509–518.\n\nFederal Reserve Bank of San Francisco. 2024. “ How Twelfth District Businesses are Rapidly Embracing GenAI .” SF Fed Blog , May 3.\n\nFederal Reserve Bank of San Francisco. 2025a. “ Roundtable on AI and Medical Service Delivery .” SF Fed Blog , July 15.\n\nFederal Reserve Bank of San Francisco. 2025b. “ Roundtable on AI and Product Development .” SF Fed Blog , May 14.\n\nFederal Reserve Bank of San Francisco. 2026. “ The AI Investing Landscape: Insights from Venture Capital .” SF Fed Blog , February 11.\n\nFernald, John G. 2015. “ Productivity and Potential Output Before, During, and After the Great Recession .” NBER Macroeconomics Annual 29, pp. 1–51.\n\nFernald, John, Huiyu Li, Brigid Meisenbacher, and Aren S. Yalcin. 2024. “ Productivity During and Since the Pandemic .” FRBSF Economic Letter 2024-31 (November 25).\n\nFoerster, Andrew. 2024. “ There’s a lot of hope that we\\’ve entered a period of higher productivity growth, maybe spurred by AI. My work suggests that remains unlikely .” LinkedIn post (May 2024, accessed February 12, 2026).\n\nFrankel, Jeffrey, and Peter R. Orszag. 2001. “ Retrospective on American Economic Policy in the 1990s .” Brookings Research.\n\nGreenspan, Alan. 1999. “ High-Tech Industry in the U.S. Economy .” Testimony before the Joint Economic Committee, U.S. Congress, June 14.\n\nHe, Ran, Jie Cao, and Tieniu Tan. 2025. “ Generative Artificial Intelligence: A Historical Perspective .” National Science Review 12(5).\n\nImas, Alex. 2026. “ What Is the Impact of AI on Productivity? Reconciling the Micro and the Macro Evidence .” Ghosts of Electricity Substack, January 29 (accessed February 12, 2026).\n\nKahn, James, and Robert W. Rich. 2026. “ Trend Productivity Growth Update .” November 2025 update to the Kahn-Rich trend productivity model, posted January 26 (accessed February 12, 2026).\n\nKennedy, Brian, Eileen Yam, Emma Kikuchi, Isabelle Pula, and Javier Fuentes. 2025. “ How Americans View AI and Its Impact on People and Society .” Pew Research Center Report, September 17.\n\nLange, Jason, and Alexandra Alper. 2025. “ Americans Fear AI Permanently Displacing Workers, Reuters/Ipsos Poll Finds .” Reuters, August 20.\n\nLittman, Michael L., Ifeoma Ajunwa, Guy Berger, Craig Boutilier, Morgan Currie, Finale Doshi-Velez, Gillian Hadfield, Michael C. Horowitz, Charles Isbell, Hiroaki Kitano, Karen Levy, Terah Lyons, Melanie Mitchell, Julie Shah, Steven Sloman, Shannon Vallor, and Toby Walsh. 2021. Gathering Strength, Gathering Storms: The One Hundred Year Study on Artificial Intelligence (AI100) 2021 Study Panel Report . Stanford University.\n\nMankiw, N. Gregory. 2001. “ U.S. Monetary Policy During the 1990s .” Paper presented at Kennedy School of Government conference on “Economic Policy During the 1990s.”\n\nMcKinsey. 2025. “ The State of AI in 2025: Agents, Innovation, and Transformation .” Survey, November 5.\n\nNg, Andrew. 2026. “ From AI Experiments to AI Products .” Letters from Andrew Ng , January 23, The Batch.\n\nNilsson, Nils J. 2009. The Quest for Artificial Intelligence: A History of Ideas and Achievements . Cambridge University Press.\n\nNorton, Peter D. 2008. Fighting Traffic: The Dawn of the Motor Age in the American City . Cambridge, MA: MIT Press.\n\nSukharevsky, Alexander, Andy West, Cristina Catania, Davide Grande, and Andrea Tricoli. 2025. “ How Finance Teams Are Putting AI to Work Today .” McKinsey & Company Insights , November 3.\n\nSullivan, J.P. 1995. “Fearing Electricity: Overhead Wire Panic in New York City.” IEEE Technology and Society Magazine 14(3), pp. 8–16.\n\nYotzov, Ivan, Jose Maria Barrero, Nicholas Bloom, Philip Bunn, Steven J. Davis, Kevin Foster, Aaron Jalca, Brent Meyer, Paul Mizen, Michael A. Navarrete, Pawel Smietanka, Gregory Thwaites, and Ben Zhe Wang. 2026. “ Firm Data on AI .” NBER Working Paper, 34836, February.",
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"speaker_name": "Mary Daly",
"speaker_role": "샌프란시스코 연은 총재",
"title": "Modern Central Banking: Monetary Policy Implementation and Communication",
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"pub_date": "2026-03-24T00:00:00+00:00",
"url": "https://www.frbsf.org/news-and-media/speeches/mary-c-daly/2025/11/modern-central-banking-monetary-policy-implementation-and-communication/",
"text": "Institute of International and European Affairs (IIEA) Dublin, Ireland\n\nGood afternoon. Thank you for the kind introduction. I am delighted to be in Dublin again and speaking to all of you. Thank you very much for having me.\n\nI was last here in February 2020. We were on the eve of the pandemic and wondering just how bad it would be. One month later, we had the answer, and nations across the globe responded. Fortunately, those days are behind us.\n\nBut the lesson remains. We live in an ever-changing, and sometimes surprising, world. And institutions must be agile and prepared.\n\nCentral banks are no exception. We must adapt and change to meet our goals in good times and in bad. 1 Modernizing our tools and operating frameworks to achieve our mandates, no matter how the world evolves.\n\nOver the past two decades, central banks have done just this. Using their balance sheets, among other tools, to support the economy during the Global Financial Crisis (GFC) and the pandemic. That work has been largely successful. But it is only part of the job. Our other responsibility is to explain what we’ve done, where it has worked and where it hasn’t, and how it informs us in future actions.\n\nSo, today I will talk about monetary policy implementation. How central banks operationalize their policies to support the economy, provide liquidity, and promote financial stability.\n\nThe key message is that no tool or tactic is perfect. Each involves tradeoffs. And all must evolve as the economy changes. That is what decades of monetary theory have taught us, and modern central banking demands.\n\nBefore I go further, let me remind you that my views are my own and do not necessarily reflect those of anyone else on the Federal Open Market Committee or in the Federal Reserve System.\n\nCentral banks across the globe set monetary policy in accordance with their mandates. They implement these policies based on a set of principles: interest rate control, liquidity provision, and supporting financial stability.\n\nFor most of central bank history, this could be accomplished with small and stable balance sheets and management of scarce reserves—cash and central bank deposits held by financial institutions. Our balance sheet liabilities mostly reflected currency in circulation, required reserves for commercial banks, and official government accounts.\n\nBut that was not a perfect system. 2 With scarce reserves, banks had to compete for a key operational resource—liquidity. 3 And they relied on each other—the interbank markets— to manage short-term cash needs. Since reserves were idle resources, they only kept a minimal stock of them to meet regulatory requirements, meaning that the banking system had a very limited aggregate buffer. This worked reasonably well in normal times. But it was less resilient in times of stress, when interbank markets faltered or macro shocks led banks to need liquidity simultaneously to meet customer demands. 4\n\nThese vulnerabilities played out in the GFC. Stresses rose, liquidity dried up, and most central banks had to provide emergency support to repair disrupted financial markets. Central banks bought government securities and other assets to flood the system with reserves and meet the broad demand for liquidity.\n\nBut, as you know, asset purchases weren’t limited to repairing market functioning. Facing a financial crisis and the zero lower bound on interest rates, central banks also used asset purchases to support monetary accommodation and the economy. 5 These interventions worked, lessening the impact of an already severe crisis.\n\nCentral banks took a similar approach to manage the pandemic, providing reserves for market functioning and monetary support for a weakened economy. 6 Again, these interventions were successful.\n\nSo then, what is the problem with balance sheets? Why are there so many critics?\n\nI will offer three reasons and address them in turn.\n\nFirst, central bank balance sheets are much larger than they used to be, creating a concern that we are playing an undue role in shaping the economy. 7\n\nIt is true that balance sheets have grown. Indeed, they increased substantially during the GFC and the pandemic as central banks supported financial markets and their economies (see Figure 1). Balance sheets reached roughly 45, 65, and 35 percent of GDP in the United Kingdom, Eurosystem, and United States, respectively. They have come down from their peak but remain larger than before the financial crisis.\n\nFigure 1. Central Bank Assets as a Share of GDP\n\nAnd this is where things get complicated. In nominal terms, balance sheets will never return to pre-GFC levels. 8 This is because central bank liabilities other than reserves have also been growing. For example, currency in circulation, a core liability, has increased roughly threefold over the past two decades in all three jurisdictions. 9 The other large liability is government accounts, influenced by how national treasuries receive and make payments. This has also grown and been a particularly important part of balance sheet expansion at the Federal Reserve. 10\n\nImportantly, neither of these liabilities is controlled by central banks. They expand naturally as the economy expands. This means that central bank balance sheets grow, even when there are no liquidity or policy interventions.\n\nThe second reason there are concerns about balance sheets is they rise rapidly and fall very slowly. This point is well illustrated in Figure 1. In crises, central banks provide immediate and often sizable support, trying to stave off worse outcomes. Since financial markets are already challenged, the impact on market functioning, and the economy, is beneficial.\n\nBut the reverse is not usually true. When markets are healthy and functioning normally, central banks must move more carefully, reducing balance sheets gradually to avoid disrupting market pricing. As such, central banks communicate their normalization plans well in advance to allow financial markets sufficient time to adjust. As we gain more experience using these tools, balance sheet normalization could proceed more quickly, but likely will always be slower than the expansions.\n\nThe third reason balance sheets draw criticism is that it’s often unclear to the public why they are changing. 11 This is understandable given the multiple purposes balance sheets serve, including emergency liquidity provision, policy accommodation when interest rates are near zero, support for financial stability, and effective interest rate control. 12 In many cases, these purposes get intertwined, occurring at the same time and blurring the lines from one to the other. This makes communication essential, acknowledging the multiple uses and, when possible, identifying how each is driving balance sheet growth.\n\nFacing these concerns, what should central banks do? First, we should assume that people want to know. It’s better to explain our actions than to assume they speak for themselves. Providing detailed and abundant information improves understanding and respects the public’s ability to judge.\n\nSecond, we should show our work. That includes explaining how we balanced the costs and benefits of competing actions and why we settled on the decision we made. A key lesson of central banking is that transparency improves accountability, which ultimately increases credibility and improves monetary policy transmission. 13\n\nFinally, we should be willing to change. Tools and tactics used in emergencies teach us a lot. But they are not a playbook for all events. We must distinguish what works in normal times from what works in times of crisis or constraint and be clear about those lessons.\n\nUltimately, we must rise to the public conversation. Telling people what they need to know, revealing how we arrive at our decisions, and being willing to change when experience or the economy demands it.\n\nThank you, and I look forward to our discussion.\n\n1. The mandates differ by country, but whether central banks have a single mandate of price stability or a dual mandate, as in the case of the Federal Reserve, the policy analysis tends to be similar (see Plosser 2012).\n\n2. Perli (2025) discusses costs of scarce reserves regimes. Those costs include a higher variability of the policy rate. A potential benefit may be more informative market signals (see Bowman 2025).\n\n4. For an account of the liquidity demand around the events of September 11, 2001, see McAndrews and Potter (2002). Keister, Martin, and McAndrews (2008) discuss the tradeoff between implementing the policy stance and providing liquidity in times of stress.\n\n5. For a discussion of the lessons from using quantitative easing in the United States and other jurisdictions, see Bernanke (2020). Luck and Zimmermann (2019) summarize empirical evidence on quantitative easing.\n\n6. Among them were the European Central Bank, Bank of Japan, Bank of England, the Reserve Bank of Australia, and the Bank of Canada.\n\n7. See Bank for International Settlements (2019) for a detailed account of the impact of a large central bank balance sheet on the functioning of financial markets.\n\n8. Afonso et al. (2023) provide a theoretical framework for the optimal supply of central bank reserves.\n\n9. See https://www.bankofengland.co.uk/statistics/banknote for the Bank of England, https://www.ecb.europa.eu/stats/policy_and_exchange_rates/banknotes+coins/circulation/html/index.en.html for the ECB, and https://fred.stlouisfed.org/series/WCICL for the Federal Reserve.\n\n10. In the United States, the Treasury General Account (TGA) has increased significantly during this time as well (see Waller 2025). The TGA represents the U.S. government’s deposits held with the Federal Reserve. It is used to facilitate payments to and from the government (see Vissing-Jorgensen 2025).\n\n11. For the Federal Reserve, Foerster and Leduc (2019) discuss the reasons behind a large balance sheet.\n\n12. There are differences in the specifics of implementation frameworks across central banks. In the United States, the baseline level of reserves is ample and a backstop facility exists to obtain extra liquidity during spikes in liquidity demand (see Powell 2025). Some central banks, like the European Central Bank or the Bank of England, provide fewer reserves as a baseline but rely on more frequent uses of facilities through which banks can access reserves on demand (see Williams 2025).\n\n13. For a fuller treatment on Federal Reserve communication, see Daly (2025).\n\nAfonso, Gara, Gabriele La Spada, Thomas M. Mertens, and John C. Williams. 2023. “ The Optimal Supply of Central Bank Reserves Under Uncertainty .” Federal Reserve Bank of New York Staff Reports No. 1077 (December).\n\nBernanke, Ben S. 2020. “The New Tools of Monetary Policy.” American Economic Review 110(4, April), pp. 943–983.\n\nBank for International Settlements. 2019. “ Large Central Bank Balance Sheets and Market Functioning .” Report prepared by a study group chaired by Lorie Logan (Federal Reserve Bank of New York) and Ulrich Bindseil (European Central Bank), October.\n\nBowman, Michelle. 2025. “ Thoughts on Monetary Policy Decisionmaking and Challenges Ahead .” Speech at the Forecasters Club of New York Luncheon, New York, NY, September 26.\n\nDaly, Mary C. 2025. “ Dynamic Central Bank Communication .” Speech at the Western Economic Association’s International Annual Conference, San Francisco, CA, June 22.\n\nFoerster, Andrew, and Sylvain Leduc. 2019. “ Why Is the Fed’s Balance Sheet Still So Big? ” FRBSF Economic Letter 2019-16 (June 3).\n\nKeister, Todd, Antoine Martin, and James McAndrews. 2008. “ Divorcing Money from Monetary Policy .” Federal Reserve Bank of New York Economic Policy Review 14 (September), pp. 41–56.\n\nLogan, Lorie. 2025. “ Ample Liquidity for a Safe and Efficient Banking System .” Remarks delivered at “The Evolving Landscape of Bank Funding” conference at the Federal Reserve Bank of Dallas, TX, October 31.\n\nLuck, Stephan, and Thomas Zimmermann. 2019. “ Ten Years Later–Did QE Work? ” Liberty Street Economics , May 8.\n\nMcAndrews, James J., and Simon M. Potter. 2002. “ Liquidity Effects of the Events of September 11, 2001 .” Federal Reserve Bank of New York Economic Policy Review 8(2, November), pp. 59–79.\n\nPerli, Roberto. 2025. “ The Evolution of the Federal Reserve’s Monetary Policy Implementation Framework .” Remarks at the New York Fed-Columbia SIPA Monetary Policy Implementation Workshop, Federal Reserve Bank of New York, NY, May 22.\n\nPlosser, Charles I. 2012. “ Macro Models and Monetary Policy Analysis .” Speech at the Bundesbank–Federal Reserve Bank of Philadelphia Spring 2012 Research Conference, Eltville, Germany, May 25.\n\nPowell, Jerome H. 2025. “ Understanding the Fed’s Balance Sheet .” Speech at the 67th Annual Meeting of the National Association for Business Economics, Philadelphia, PA, October 14.\n\nVissing-Jorgensen, Annette. 2025. “ Fluctuations in the Treasury General Account and Their Effect on the Fed’s Balance Sheet .” FEDS Notes . August 6.\n\nWaller, Christopher J. 2025. “ Demystifying The Federal Reserve’s Balance Sheet .” Speech delivered at the Federal Reserve Bank of Dallas, TX, July 10.\n\nWilliams, John C. 2025. “ Theory and Practice of Monetary Policy Implementation .” Speech delivered at the ECB Conference on Money Markets 2025, European Central Bank, Frankfurt, Germany, November 7.",
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"speaker_name": "Mary Daly",
"speaker_role": "샌프란시스코 연은 총재",
"title": "Steady Through Change: In Policy, Business, and Life",
"venue": "",
"pub_date": "2026-03-24T00:00:00+00:00",
"url": "https://www.frbsf.org/news-and-media/speeches/mary-c-daly/2025/09/steady-through-change-policy-business-life/",
"text": "Good afternoon. Thank you, Spence, for that kind introduction.\n\nIt’s wonderful to be here today. I am honored to be speaking with a wide array of audiences—the participants of the 35 th Annual Spencer Fox Eccles Convocation, members of the Utah Chapter of the National Association of Corporate Directors, and members of the broader Salt Lake community. Thank you so much for having me.\n\nI last visited Utah back in April. The new Administration had begun to provide early details of its policy initiatives, and businesses, households, and communities were working hard to understand their impacts. Uncertainty was a common refrain. Worries about paralysis, stagnation, even recession dominated the news. The national conversation had shifted from confidence to concern. 1\n\nDriving through town, I saw activity. Lots of it. Full parking lots, busy retail outlets, and, most notably, construction cranes.\n\nCranes tell us a lot. It’s expensive to put up cranes and to keep them working. Businesses only do it when they see promise in the future. Active cranes, and more being assembled, meant that people were adapting, planning, and continuing to move forward. The world had changed, uncertainty had risen, but it did not mean stasis—at least not here in Utah.\n\nThat dynamic, the ability to move forward even when things are evolving, is the topic of my remarks today. How to steadily keep moving in the face of change.\n\nBut before I go further, I want to remind you that the views I express today are my own and do not necessarily reflect those of anyone else on the Federal Open Market Committee (FOMC) or in the Federal Reserve System.\n\nYou’ll notice, I said, steadily moving forward. Not heedlessly, recklessly, or haphazardly. But steadily, taking time to consider the situation, assess the risks and the opportunities, and plot a course that works in the evolving environment.\n\nIt turns out, that’s what businesses here in Utah had done. As I learned during my visit, they had stepped back, evaluated the changing landscape, and kept the cranes going. Purposefully and with intention.\n\nSo, how do you make those types of decisions, when uncertainty and change surround you? The first step is to know your goals. If you’re working on a degree program, your goals could be building and developing your skills and interests. For businesses, it might be expanding your market or increasing brand value. As a monetary policymaker, I’m focused on the dual mandate that Congress gave us: price stability and maximum employment.\n\nYour goals are your foundation. An anchor that keeps you tethered to your values and aspirations, and focused on what is important in times of change.\n\nWith those goals in mind, you assess. Understand the change you face. Is it going to affect you directly, is it going to last, what are the implications? As students, AI is probably on your mind. Asking how it will impact your studies and your career goals is essential to making good decisions. As corporate directors, you’re likely also thinking about AI, as well as immigration, tariffs, deregulation, and taxes. As a policymaker, I am focused on all of those developments and how they might shape the economy today and in the future.\n\nThis reflection, questioning, and analysis enables us to assess the tradeoffs and decide the next steps. Take more classes. Put up a crane. Change the interest rate.\n\nAnd then it all begins again. Anchor. Assess. Decide. The virtuous cycle of remaining steady through change.\n\nNow, you might wonder if this really works. Does steadiness really deliver reliable outcomes?\n\nI submit that Utah is proof. You can see it in the data. Utah is a national leader in growth and employment. 2 A place where entrepreneurs take smart risks—think Silicon Slopes, the Olympics, and countless other businesses and initiatives. A role model for steadiness and success that lasts.\n\nMonetary policy makers also must practice steadiness. Making reasoned decisions that support our mandated goals over time.\n\nIndeed, we’ve relied on steadiness to navigate the changing economic landscape over the course of this year.\n\nAs I mentioned, Congress legislated two monetary policy goals for the Federal Reserve: stable prices and maximum employment. No matter what happens in the economy, these goals are our anchor. All of our decisions are made in support of achieving those objectives for the American people. 3\n\nThe challenge, of course, is determining how best to do that. Especially when the economy is rapidly evolving and we don’t have perfect clarity about how conditions will evolve. And this is where it’s important to step back and assess.\n\nEarlier in the year, there was a lot we didn’t know. Measures of uncertainty were rising sharply. 4 Households and businesses were worried that tariff and immigration policies could rekindle inflation or slow the labor market and growth. Commentators and financial market participants wondered if the Fed would need to step in, raising interest rates to combat inflation or lowering them to support growth.\n\nUp until last week, the FOMC did neither. Instead, we looked at inflation and how much it exceeded our goal for price stability. We looked at unemployment and how close it was to our maximum employment objective. We considered the Administration’s emerging policies, consulting history, economic models, scenario analysis, and the range of incoming data. Most importantly, we talked to people. We asked businesses how they were feeling, but also what they were doing. We talked to consumers, workers, and communities, and listened to what they told us about their concerns and their actions.\n\nWhat we determined was that the economy was doing okay. We didn’t have to race in, but we needed to continue to monitor. Risks were on the horizon, but there were also positives in the mix, and it was appropriate to watch how conditions evolved. Most importantly, it was critical to stay focused on our commitment to bring inflation back to our 2 percent goal. So, we left the interest rate unchanged, keeping policy modestly restrictive, continuing to put downward pressure on inflation. And we actively watched the labor market to ensure there were no signs of stumbling.\n\nDeciding to collect more information is not a passive state. It is prudent preparation for taking action when the time is right. That moment came last week. At our most recent FOMC meeting, we lowered the policy rate by 25 basis points. A decision I fully supported.\n\nThe decision was based on information and data. Growth, consumer spending, and the labor market had slowed, 5 and inflation had risen less than expected, remaining largely confined to sectors directly affected by tariffs. 6 The risks to the economy had shifted, and it was time to act.\n\nManaging change isn’t a one-time thing. You must keep at it. Moving forward, it is likely that further policy adjustments will be needed as we work to restore price stability while providing needed support to the labor market. This comes through in our most recent projections, released last week. 7 But these are projections, not promises, and making good decisions will require us to anchor on our objectives, assess the tradeoffs, and decide, again and again.\n\nSo, let me return to where I began. Flying into Salt Lake last April. On the ride over, I caught up on the news. It felt pessimistic, worried about change, nervous about uncertainty. The cranes said something different.\n\nAs you start your academic year, I want you to think about those cranes. Remind yourself that change and uncertainty are normal parts of life. And that people move through them all the time.\n\nBut you can’t leave it to luck. Being steady through change takes intention. And it takes commitment. Commitment to your goals, to collecting the evidence, to deciding. And most of all, it takes a commitment to be humble. Willing to repeat the process of anchoring, assessing, and deciding each time a new change comes your way.\n\nIn my view, this is the success of the Eccles family. It is the success of the businesses who put up those cranes. And it is also your success. The success that you’ve started as you begin another academic year.\n\nThank you and I look forward to our discussion.\n\n1. For example, small business optimism was high early in the year but deteriorated in March and April (National Federation of Independent Business 2025).\n\n2. According to the latest data from the U.S. Bureau of Labor Statistics, payroll employment growth in Utah was 1.7% over the 12 months through August 2025, nearly double the national pace of 0.9%. The most recent data from the U.S. Bureau of Economic Analysis show that Utah’s real GDP grew 3.4% over the four quarters through the first quarter of this year, well above the national pace of 2.0% over the same period.\n\n5. Growth in real personal consumption expenditures fell from 3.1% last year to 1.0% for the first half of this year (annualized), while real GDP growth fell from 2.5% to 1.4%. The annualized rate of payroll employment growth fell from 1.3% last year to 0.2% over the past four months (through August).\n\n6. Private forecasters have revised their inflation forecasts down in recent months (Federal Reserve Bank of Philadelphia 2025). Recent increases in inflation have been evident primarily for goods (Federal Reserve Bank of San Francisco 2025).\n\n7. The FOMC’s most recent Summary of Economic Projections shows that Committee members in general expect further cuts this year and next (Board of Governors 2025b).\n\nBoard of Governors of the Federal Reserve System. 2025a. “ Statement on Longer-Run Goals and Monetary Policy Strategy. ” Adopted effective January 24, 2012; as amended effective August 22, 2025.\n\nBoard of Governors of the Federal Reserve System. 2025b. “ Summary of Economic Projections .” September 17.\n\nFederal Reserve Bank of Philadelphia. 2025. “ Third Quarter 2025 Survey of Professional Forecasters .”\n\nFederal Reserve Bank of San Francisco. 2025. “ PCE Inflation Contributions from Goods and Services .”\n\nMertens, Thomas. 2025. “ SF FedViews: July 17, 2025 .” Federal Reserve Bank of San Francisco.\n\nNational Federation of Independent Business. 2025. “ Small Business Economic Trends .” August.",
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"speaker_name": "Mary Daly",
"speaker_role": "샌프란시스코 연은 총재",
"title": "Investing in a Durable Economic Future",
"venue": "",
"pub_date": "2026-03-24T00:00:00+00:00",
"url": "https://www.frbsf.org/news-and-media/speeches/mary-c-daly/2025/08/investing-in-a-durable-economic-future/",
"text": "Anchorage Economic Summit Anchorage, Alaska\n\nGood afternoon. It’s a pleasure to be back in Alaska and to be here at the Anchorage Economic Summit. I’ve been looking forward to this for some time.\n\nI see many familiar faces, people I have known for a long time and those who I’ve only met recently. On behalf of the Federal Reserve Bank of San Francisco, thank you for helping us understand your economies and your communities. And to all those I have yet to meet, thank you for taking the time today. I look forward to a great discussion.\n\nAs a kid growing up in Ballwin, Missouri, I dreamed of going to Alaska someday. I liked the vastness, the connection with Canada and Asia, the history of exploration, and perhaps most of all, the resilience I thought it took to live in mostly dark in the winter and mostly light in the summer.\n\nWhen I finally visited for the first time, I realized I had missed the main feature—the people. Alaska Native peoples who have been here since the beginning and generations of others who have made it their home. People collectively invested in fostering the opportunities and the communities that have come to define the place.\n\nThat is why I am so delighted to be here to discuss Alaska’s economic future. I’d like to start with my bottom line. Alaska’s future is bright. The ingredients are here. Great natural resources, breathtaking beauty, a history of reinvention, and most importantly a rugged people. Now, I mean rugged as a compliment. Something that endures, has grit, and ultimately delivers.\n\nAnd importantly you won’t be alone. I have observed many communities across the Federal Reserve’s Twelfth District that have evolved to meet changing economic demands. While there is no single playbook or path, there are some fundamental strategies and practices that contribute to success. This is my topic for today.\n\nFirst, let me remind you that the views I express today are my own and do not necessarily reflect those of anyone else on the Federal Open Market Committee (FOMC) or in the Federal Reserve System.\n\nOf course, before we talk about the future of the state, it’s important to know the outlook for the nation. So, let me start there, with a brief overview of how I see the U.S. economy and monetary policy.\n\nCongress has given the Fed two goals: full employment and price stability. I see two dynamics affecting these mandates: the Fed’s stance on interest rates and the slate of recent policy changes taken by elected officials.\n\nLet me start with monetary policy. As you know, in March 2022 the Fed began raising interest rates to fight rising inflation. This campaign has been largely successful, slowing growth, cooling the labor market, and bringing inflation closer to our 2 percent goal. But we need to finish the job—inflation is still above our target, which is why interest rates remain modestly restrictive.\n\nAnd then there is the second dynamic, policy changes including tariffs, immigration restrictions, tax cuts, and deregulation that are also affecting the economy. It will take time for the full effect of these policies to be known, but we are already seeing some early impacts. Tariffs and immigration changes are showing through, pushing up inflation and reducing the pool of available workers. 1\n\nThese dynamics pose two challenges for monetary policy. First, they are moving the economy, particularly inflation, in different directions. Monetary policy is pulling inflation down, while tariffs are pushing it up.\n\nEven more importantly, recent policy changes have created uncertainty, making it harder to know exactly how the economy will evolve. And this makes monetary policy decisions more difficult. We don’t have perfect clarity. But the truth is central banks rarely have perfect clarity, and we can’t wait for it to act.\n\nMy own assessment is that the risks to our employment and inflation goals are roughly balanced. Inflation, absent tariffs, has been gradually trending down, and with a slowing economy and ongoing restrictive monetary policy, should continue to do so. Tariffs will boost inflation in the near term, but likely not in a persistent way that monetary policy would need to offset.\n\nAt the same time, the labor market has softened. 2 And I would see additional slowing as unwelcome, especially since we know that once the labor market stumbles, it tends to fall quickly and hard.\n\nAll this means that we will likely need to adjust policy in the coming months. Recalibrating it to match the collective risks to both of our mandated goals.\n\nSo, that’s the national economy, and it’s vital to the future of any state. But it only does part of the job. This is particularly true for Alaska, where economic fortunes are more closely tied to global commodity prices and federal spending plans. 3, 4\n\nSo, what are the strategies to create a more durable economy, one that thrives in a variety of circumstances? I will share three that have been important in other communities that have taken this journey.\n\nThe first is to diversify, a word I’ve heard frequently in my meetings with many of you. This does not mean abandoning the things you do well—including natural resource extraction, strategic defense, tourism, and many others. Rather, it means looking for opportunities to invest in additional industries that hedge against the ups and downs in your core sectors.\n\nI’ve seen plenty of examples of this type of diversification across the Twelfth District. Oregon developed a more tech-oriented economy in the 1970s to offset some of the volatility in their natural resource sector. 5 Southern Nevada is currently investing in data centers to augment their presence in tourism, gaming, and entertainment. 6 And there are many more examples I could share. You will decide what is right for Alaska, but the point is always the same. Purposeful, intentional diversification expands economic opportunity, ultimately creating durability.\n\nAnd this brings me to the second strategy. Forward focus. Find things that are just beginning. A great example comes from the Alaska Small Business Development Center. They recently shared how investment in broadband, satellite-based internet, and publicly available generative artificial intelligence (GenAI) are combining to open new opportunities for businesses across the state, combining technology with people to create growth. 7\n\nOf course, additional investment is needed to fully scale this technology and make it something the entire state can do. Ongoing investments in broadband and satellite-based internet, but also in people and training. As I said earlier, people are your best asset and investing in them is investing in the economy.\n\nAnd here is the final strategy, which isn’t a strategy at all. It’s a mindset. You have to believe. Believe that progress is possible. That you can craft it. And that 10 years from now, things will look different, better than they do today.\n\nUltimately, this is what I have learned on my travels. Belief is the foundation of anything we do. Belief leads to intention, intention leads to investment, and investment leads to progress. Which means in the end, it all comes back to you.\n\n1. Data from the personal consumption expenditures (PCE) price index, as well as information from businesses and consumers, suggest that tariffs are pushing up costs for a variety of goods, raising overall goods price inflation. In the last few months, this increase has spilled into overall price inflation. These patterns are evident in Beige Book responses for the overall Federal Reserve System (Board of Governors 2025) and the Twelfth District (Federal Reserve Bank of San Francisco 2025a) and also in breakdowns of the PCE inflation numbers (Federal Reserve Bank of San Francisco 2025b). Immigration policy has also had an effect: Published data from the Bureau of Labor Statistics show that the number of foreign-born workers in the United States has been falling since March, reducing the available labor force in a relatively short time.\n\n2. See, for example, the labor market indexes and indicators compiled by the Federal Reserve Bank of Atlanta (2025), Federal Reserve Bank of Kansas City (2025), and Michaillat and Saez (2025).\n\n4. Alaska ranks third among all states for per capita federal spending. See Commonwealth North (2025).\n\n7. Federal Reserve Bank of San Francisco (2025c).\n\nBoard of Governors of the Federal Reserve System. 2025. “ Beige Book – July 2025 .”\n\nCommonwealth North. 2025. “ Federal Spending Shifts Reshape Alaska’s Economic Outlook .” What’s New , May 1.\n\nFederal Reserve Bank of Atlanta. 2025. “ Labor Market Distributions Spider Chart .” Updated August 1.\n\nFederal Reserve Bank of Kansas City. 2025. “ Latest Data for the KC Fed Labor Market Conditions Indicators .” Updated August 5.\n\nFederal Reserve Bank of San Francisco. 2025a. “ Twelfth District Beige Book: July 2025 .”\n\nFederal Reserve Bank of San Francisco. 2025b. “ PCE Inflation Contributions from Goods and Services .” Accessed August 4.\n\nFederal Reserve Bank of San Francisco. 2025c. “ AI in Action: Practical Strategies for Small Businesses in Alaska and Nevada. ” EmergingTech Economic Research Network webinar, March 25.\n\nMayer, Heike. 2005. “Taking Root in the Silicon Forest: High-Technology Firms as Surrogate Universities in Portland, Oregon.” Journal of the American Planning Association 71(3), pp. 318–333.\n\nMichaillat, Pascal, and Emmanuel Saez. 2025. “ Automated Business Cycle Dashboard .” Accessed August 4.\n\nTappen, Sam. 2025. “ Alaska GDP: Everything We Produce .” Alaska Economic Trends , Alaska Department of Labor and Workforce Development Research and Analysis 45(6), June.\n\nTemple, James. 2025. “ The Data Center Boom in the Desert .” MIT Technology Review. May 20.",
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"speaker_name": "Mary Daly",
"speaker_role": "샌프란시스코 연은 총재",
"title": "Dynamic Central Bank Communication",
"venue": "",
"pub_date": "2026-03-24T00:00:00+00:00",
"url": "https://www.frbsf.org/news-and-media/speeches/mary-c-daly/2025/06/dynamic-central-bank-communication/",
"text": "Western Economic Association International Annual Conference San Francisco, California\n\nGood morning and welcome to San Francisco.\n\nIt’s a complete pleasure to be here today and an honor to be speaking at the WEAI 100th annual conference. That’s quite a milestone, and a testament to the association’s enduring contributions to economic research. So, well done and happy anniversary.\n\nNow, when Maury first invited me to speak, I thought of many topics worthy of focus. But one rose above all others, perhaps because it’s perennial, and that is central bank communication.\n\nAs researchers, and educators, you understand the importance of communicating. It is a large part of your jobs.\n\nFor central bankers, this value has often been harder to recognize. Even doubted. Communication has always come with questions: Should we communicate? How often? And what should we say?\n\nOn the question of “should we,” my answer is simple. Absolutely. Public institutions have an unequivocal obligation to share information. Central banks are no exception. It is a duty of public service to be transparent about and accountable for our actions.\n\nBut this itself is not a license to reflexively do more and more. Communication is also a responsibility, and it comes with an imperative to improve understanding. How to balance these objectives is the topic of my remarks today. I look forward to an active discussion.\n\nBefore I go any further, I would like to remind you that the views I express today are my own and do not necessarily reflect those of anyone else on the Federal Open Market Committee (FOMC) or in the Federal Reserve System. I also want to emphasize that today I’m speaking broadly about central bank communication—my remarks are not about the Fed’s ongoing framework review.\n\nNow, to understand where central banks might go, it is useful to know where we’ve been. And here I will narrow my focus to the Federal Reserve and the FOMC.\n\nFor most of its history, the FOMC has worked under a veil of secrecy. This was intentional. Federal Reserve officials were either silent or purposely vague, 1 letting financial markets learn about policies through inference, by watching movements in market interest rates. 2 The prevailing view was that less transparency promoted candid internal debate, minimized disruptive financial market reactions, and provided flexibility to respond to unexpected events. 3 Moreover, many policymakers thought that they needed to surprise markets for policy to have an effect. 4\n\nToday, the Federal Reserve is significantly more transparent, an evolution that has taken place over the past 30 years. This timeline tells the story. 5 The FOMC now publishes meeting statements and minutes, economic projections and projected interest rate paths, a statement on longer-run goals and monetary policy strategy, and of course, an explicit inflation target. 6 The Chair also holds post-meeting press conferences, and FOMC participants regularly provide their own commentary and views during inter-meeting periods.\n\nThese enhanced communications have had considerable benefits. First, they have increased the public’s understanding of the Federal Reserve’s mandates and commitments. Second, as research has documented, clear monetary policy communication has helped anchor inflation expectations and helped the FOMC navigate economic shocks more effectively. 7 Finally, these communications have allowed households, businesses, and financial markets 8 to understand how policy makers see the economy and how they might react if things evolve differently than expected. Ultimately, improving their ability to make good decisions.\n\nTogether this has improved transparency, credibility and accountability. 9 All of which have helped build trust.\n\nGiven the success, many have asked if we should do more. Academics, analysts, and policy makers have offered a variety of suggestions. 10 The ideas range from publishing details about the forecast and the risks, to doing scenario analysis, 11 to simplifying the message and using social media to build understanding. 12\n\nThe question is, how should we balance the need for transparency with the responsibility of improving understanding? To answer this question, I return to two periods of economic history.\n\nLet me start with the Global Financial Crisis, or GFC. As you likely remember, the recovery from the recession was painfully slow. Then-Chair Ben Bernanke and others grappled with how to implement monetary policy that was constrained by the zero lower bound on interest rates. Borrowing from academic research, they implemented a variety of alternative tools, including regular communications and strong forward guidance. This helped guide policy expectations toward a more accommodative stance, which helped support the recovery. 13\n\nThese detailed and definitive communications made sense. After all, inflation was below target, employment growth was weak, and markets weren’t sure how long the FOMC would be accommodative. In fact, markets regularly assumed interest rates would rise faster than FOMC participants expected. FOMC communications made the policy path clear and offered the support the economy needed to move back toward the dual mandate goals.\n\nIn that moment, the problem was clear, and the treatment was forceful. The success installed many of the communication tools as permanent features of the FOMC.\n\nThen, about a decade later, the pandemic hit. Economic activity plummeted and financial markets teetered. The Fed cut interest rates close to zero and took emergency steps to support the flow of credit and liquidity. We committed to using the full range of our tools until the crisis had passed and economic recovery was well under way.\n\nNotably, that included a commitment to keep interest rates near zero until we were confident that the economy was on track to achieve our employment and price stability goals. 14 We were very specific in our guidance, following what we had learned from the Global Financial Crisis. Our policies and communications helped stabilize markets, threw a lifeline to businesses and households, and put the economy on a quicker path to recovery. 15\n\nYou know what happened. In 2021, inflation surged, and we needed to pivot. We raised rates aggressively and communicated strongly that we were resolute to restore price stability. These efforts have been successful and inflation is now near our 2 percent goal.\n\nBut looking back it could have been easier, especially on the people we serve. Our strong forward guidance in the aftermath of the pandemic firmly set public expectations, but then when the economy shifted, and inflation soared, it left people unsure about how we would respond. 16 While there were many drivers of the global runup in inflation, and the subsequent rise in inflation expectations, our guidance likely didn’t help, at least initially. 17\n\nThe lesson for me from that period is that being definitive in highly uncertain times comes with a price. And we need to evaluate that price as we make future decisions about what to say. Words have power, which is a great tool. But words can be harder to reverse than the interest rate. They set expectations, which can be hard to change in the event the economy evolves differently than we expect. 18\n\nSo, what do these two periods of history tell us? Mostly this: There is no single, simple answer. Effective communication requires a dynamic approach and continuous evaluation. What works in one situation may not work as effectively in another. Communication must be consistent enough that people can follow, and dynamic enough that it can adjust to the circumstances we face.\n\nSo, how should we choose when and what to do? For this, I look to principles.\n\nThe first is clarity. Anything we do should improve the public’s understanding of our goals, expectations, risks, or reaction function. We should always have a purpose for communicating and a way to evaluate our effectiveness. Second, any communication should enhance transparency, revealing how we think, how we make decisions, and why we reach the conclusions we do. This is the foundation of accountability. The final principle is flexibility. The economy is dynamic, and our communications must match it. Providing guidance about what we know, humility about what we don’t, and a commitment to respond to the world we get, even if it is different from the one we expect.\n\nLike many things, these principles will sometimes be in tension, and central banks will have to balance the tradeoffs. In those moments, we need to return to why we do this at all. To be open and accountable to the public we serve.\n\nI started at the Fed in 1996. I quickly learned that we were an institution that did a lot and said little. But that didn’t always serve the public. So, we changed.\n\nBut our journey shouldn’t stop here. Public institutions, like the Fed, have a responsibility to continually revisit how we communicate and how we can do better. It’s the right thing to do, and as history has taught us, it’s the best thing to do.\n\nAnd with that I would like to turn it over to Emi and Ellen. Thank you and I look forward to our discussion.\n\n1. As late as the June 2003 FOMC meeting, then-Chair Alan Greenspan advised participants to be “very vague” in response to questions about the conduct of monetary policy. See Federal Open Market Committee (2003). Chair Greenspan generally adhered to this approach, reputedly joking to reporters that “If I seem unduly clear to you, you must have misunderstood what I said” (Appelbaum 2012).\n\n2. The FOMC released its first post-meeting statement in February 1994 and began to release a statement after every regularly scheduled meeting in May 1999.\n\n3. See the discussion in Federal Reserve History (2024) and Blinder et al. (2024).\n\n5. For a broad overview of the evolution of transparency see Daly (2022).\n\n8. For instance, Swanson (2006). Also, recent work at the San Francisco Fed shows that the quarterly release of participant projections on the outlook for the economy and interest rates reduces investor uncertainty about the future path of interest rates. This effect is especially large around and following recessions, when uncertainty may be higher. The research will be discussed in a forthcoming FRBSF Economic Letter by Abdelrahman, Fresquet Kohan, Mertens, and Oliveira, based on past work by Mertens and Williams (2021).\n\n9. The reaction function of the FOMC is largely communicated through FOMC statements, the public remarks of the Chair and other FOMC participants, and the Summary of Economic Projections (SEP).\n\n10. See the presentations at the Federal Reserve Board of Governors’ Second Thomas Laubach Research Conference.\n\n11. Several central banks have started using scenarios in their communication with the public, including the Bank of Canada (2025), Bank of England (2025), and Sveriges Riksbank (2025). But only Sweden’s Riksbank has included a policy path in the scenarios. Former Fed Chair Ben Bernanke (2025) proposed the FOMC follow a similar tack.\n\n12. Gorodnichenko, Pham, and Talavera (2025).\n\n13. See Campbell et al. (2017) and Bernanke (2020).\n\n15. Milstein and Wessel (2024) and Clarida, Duygan-Bump, and Scotti (2021).\n\n16. This concern fed into the rise in short- and medium-term inflation, which rose precipitously in this period.\n\n17. Glick, Leduc, and Pepper (2022). See Bernanke and Blanchard (2023) for a full review of the post-pandemic inflation episode.\n\nAppelbaum, Binyamin. 2012. “ A Fed Focused on the Value of Clarity .” New York Times News Analysis, December 13.\n\nBank of Canada. 2025 . Monetary Policy Report—April 2025 .\n\nBank of England. 2025. Monetary Policy Report . Monetary Policy Committee, May.\n\nBernanke, Ben S. 2020. “ The New Tools of Monetary Policy .” American Economic Association Presidential Address, Brookings Institution, Washington, DC. January 4.\n\nBernanke, Ben S. and Blanchard, Olivier J. 2023. “ What Caused the US Pandemic-era Inflation? ” Peterson Institute for International Economics Working Paper No. 23-4, June 13.\n\nBernanke, Ben S. 2025. “ Improving Fed Communications: A Proposal from Ben Bernanke .” Hutchins Center Working Paper 102, The Brookings Institution, May 16.\n\nBlinder, Alan, Michael Ehrmann, Jakob de Haan, and David-Jan Jansen. 2024. “Central Bank Communication with the General Public: Promise or False Hope?” Journal of Economic Literature 62(2, June), pp. 425–457.\n\nBoard of Governors of the Federal Reserve System. 2024. “ Statement on Longer-Run Goals and Monetary Policy Strategy .” Adopted effective January 24, 2012; as reaffirmed effective January 30, 2024.\n\nBundick, Brent, and A. Lee Smith. 2023. “ Did the Federal Reserve Break the Phillips Curve? Theory and Evidence of Anchoring Inflation Expectations .” Review of Economics and Statistics.\n\nCampbell, Jeffrey R., Jonas D. M. Fisher, Alejandro Justiniano, and Leonardo Melosi. 2017. “ Forward Guidance and Macroeconomic Outcomes since the Financial Crisis .” NBER Macroeconomics Annual 31.\n\nClarida, Richard H., Burcu Duygan-Bump, and Chiara Scotti. 2021. “ The COVID-19 Crisis and the Federal Reserve’s Policy Response .” Federal Reserve Board of Governors, Finance and Economics Discussion Series (FEDS) Paper 2021-35 (June).\n\nDaly, Mary C. 2022. “ This Time Is Different…Because We Are .” Speech at the Los Angeles World Affairs Council & Town Hall, Los Angeles, CA. February 23.\n\nFederal Open Market Committee. 2003. “ Transcript, June 24-25 Meeting .”\n\nFederal Reserve History. 2024. “ Transparency .” August 5.\n\nGlick, Reuven, Sylvain Leduc, and Mollie Pepper. 2022. “ Will Workers Demand Cost-of-Living Adjustments? ” FRBSF Economic Letter 2022-21(August 8).\n\nGorodnichenko, Yuriy, Tho Pham, and Oleksandr Talavera. 2025. “ Central Bank Communication on Social Media: What, To Whom, and How? ” Journal of Econometrics 249(105869).\n\nMertens, Thomas, and John C. Williams. 2021. “What to Expect from the Lower Bound on Interest Rates: Evidence from Derivatives Prices.” American Economic Review 111(8, August), pp. 2,473–2,505.\n\nMilstein, Eric, and David Wessel. 2024. “ What Did the Fed Do in Response to the COVID-19 Crisis? ” The Hutchins Center Explains , Brookings Institution, January 2.\n\nPoole, William. 2005. “ After Greenspan, Whither Fed Policy? ” Remarks at the Western Economic Association International Conference (WEAI), San Francisco, CA, July 6.\n\nPowell, Jerome H. 2020. “ COVID-19 and the Economy .” Speech presented at the Hutchins Center on Fiscal and Monetary Policy, The Brookings Institution, Washington, DC (via webcast). April 9.\n\nSveriges Riksbank. 2025. Monetary Policy Report . March 2025.\n\nSwanson, Eric T. 2006. “ Have Increases in Federal Reserve Transparency Improved Private Sector Interest Rate Forecasts? ” Journal of Money, Credit and Banking 38(3, April), pp. 791–819.\n\nWalsh, Carl E. 2025. “ Lessons for the FOMC’s Monetary Policy Strategy .” Working paper presented at the 2 nd Thomas Laubach Research Conference, Washington, DC. May 15.",
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"executive": "[증시] S&P500 지수가 6,581.00(+1.15%), 나스닥 지수가 21,946.76(+1.38%)으로 동반 상승했으며, KOSPI 또한 5,553.92(+2.74%)로 급등 마감했습니다. K200 야간선물 시장 역시 긍정적인 반등 흐름을 이어가며 단기적인 회복세가 지속될 것으로 예상됩니다.\n\n[환율] 정규장 달러/원 환율은 중동 리스크 완화에 따라 전 영업일 대비 8.83원 하락한 1,495.38원으로 마감했습니다. 역외 NDF 달러/원 1개월물 역시 30.45원 급락한 1,485.30원을 기록하며 뚜렷한 하락세를 나타냈습니다.\n\n[금리] 미국 10년물 국채 금리가 4.35%로 0.01%p 소폭 상승한 반면, 한국 국고채 3년물 금리는 3.523%로 0.094%p 하락했습니다. 야간 국채선물 시장에서도 3년물이 35틱, 10년물이 43틱 각각 상승하며 전반적인 강세 흐름을 보였습니다.\n\n[AI] 테슬라의 초대형 자체 반도체 공장 '테라팹' 구축 비전이 발표되었으나, 현실적인 장벽으로 인해 기존 파운드리 업계와의 협력 가능성이 높게 평가되고 있습니다. 이에 따라 AI 컴퓨팅 칩 수요 폭증은 글로벌 반도체 장비 및 메모리 기업들에게 장기적인 수요 상승 호재로 작용할 전망입니다.",
"news": "미국과 이란의 협상 가능성 등 중동 긴장 완화 기대감과 트럼프의 공격 유예 발언에 힘입어 국내 증시가 동반 급등했습니다. 코스피는 2.74% 상승한 5553.92로 마감하며 5500선을 회복했고, 코스닥 역시 2.24% 올랐으며 특히 2차전지와 화학, 제약 업종이 강세를 보였습니다. 다만 잦은 급등락으로 올해 사이드카가 벌써 10회 발동되었으며, 유동주식비율이 49%에 불과한 점 등이 롤러코스터 장세의 원인으로 지목되고 있습니다.\n\n트럼프의 공격 유예 발언 이후 원·달러 환율은 4거래일 만에 1500원 선을 하회하며 1490.9원에서 1495.2원 부근으로 떨어졌고, 국고채 3년물 금리도 연 3.523%로 하락했습니다. 이전까지 환율이 17년여 만에 1510원을 돌파하고 국제 유가가 100달러에 달하는 등 수출기업의 이중 부담이 현실화된 바 있습니다. 이에 한국은행은 이란 사태로 인한 물가와 환율 불안을 고려해 4월 금리를 동결할 가능성을 내비치고 있습니다.\n\nSK하이닉스는 선단 공정 전환을 가속하기 위해 2년간 12조 원 규모의 EUV 장비를 도입하고, 미국 뉴욕에 AI 컴퍼니 거점을 설립하는 한편 미국 ADR 주관사 선정에 착수했습니다. 삼성전자는 전영현 면담 하루 만에 노조와 교섭 재개를 결정하고 26~27일 집중 교섭을 진행하며 총파업 위기 해결의 실마리를 찾고 있습니다.\n\n최윤범 백기사 교체 등 재편 과정에서 메리츠가 6500억 원 규모의 단독 인수를 진행하는 가닥이 잡혔습니다. 국민연금이 한진칼 조원태에 대해 반대표를 던진 것을 두고 기업가치 개선인지 경영 발목잡기인지에 대한 논란이 일고 있으며, 케이뱅크 공모주에 투자한 개인들은 물린 반면 재무적 투자자들은 대거 자금을 회수했습니다.\n\n개인 투자자들이 26조 원을 쓸어 담으며 변동성 장세를 기회로 삼아 매수에 나섰으나, 실제 수익률은 외국인 투자자가 앞선 것으로 나타났습니다. 코스닥사 주가조작으로 전 증권사 직원과 기업인이 구속기소 되었고, 한국거래소의 절차 지연으로 사업보고서를 공시하지 못한 기업의 애프터마켓 주가가 급락하는 등 각종 시장 잡음도 이어지고 있습니다.\n\n미국 증시는 트럼프의 이란 관련 발표 직전에 요동치며 롤러코스터 장세를 보였고, 나스닥 상장 후 PPHC는 러셀 2000 및 3000 지수에 편입되었습니다. 뉴욕증권거래소 부회장의 갤럭시코퍼레이션 이례적 방문으로 미국 상장 청신호가 켜진 가운데, 미래에셋증권이 6347억 원 규모의 역대 최대 주주환원을 확정하고 다수의 증권사가 신임 대표를 선임하며 경영진 재편에 나섰습니다.",
"reports": "미국 트럼프 대통령이 이란 에너지 시설에 대한 공격을 5일간 유예한다고 발표하면서 지정학적 리스크가 일부 완화되었습니다. 이에 따라 WTI 원유 가격이 배럴당 88달러 선으로 10%가량 급락했고, 미국 10년물 국채 금리도 하락하며 미국 증시는 반등했습니다. 국내 증시는 전 거래일 중동 확전 공포로 코스피가 6.4%대 급락해 매도 사이드카가 발동되었고 원/달러 환율이 1,510원 선을 돌파했으나, 야간 선물 시장 반등을 고려할 때 단기적인 회복세가 예상됩니다. 다만 이란과의 실제 협상 진전 및 호르무즈 해협 개방 여부가 불투명해 시장 변동성은 지속될 전망입니다.\n\n채권 및 금리 전망과 관련하여 국내외 시장 간 차별화된 흐름과 리스크 요인이 관찰됩니다. 미국 국채 금리는 지정학적 긴장 완화로 하락했지만, 국내 국채 금리는 강한 상승 압력을 받고 있습니다. DS투자증권은 고유가 충격 대응을 위해 논의되는 현금성 지원 위주의 추경이 단기적인 총수요를 자극해 물가 상방 압력을 가중시킬 것이라 분석하며, 국내 채권 금리의 추가 상승 가능성을 경고합니다. 여기에 매파적 성향으로 평가받는 신현송 한국은행 총재 후보자 지명 소식이 더해지며 국내 3년물 국채 금리가 3.6%를 돌파하는 등 급등세가 나타났습니다.\n\n경제 구조적 측면에서 키움증권은 2026~2028년을 한국 가계자산의 구조적 '머니무브' 전환기로 전망합니다. 퇴직연금 기금화 및 의무화, ISA 혜택 확대, 한국형 BDC 도입, 국민성장펀드 조성 등 정책적 유인으로 인해 부동산과 예금에 편중된 자금이 주식, 채권, ETF 등 자본시장으로 대거 이동할 것으로 예상합니다.\n\n투자 시사점으로는 단기적으로 중동 리스크와 유가 흐름에 따른 변동성 장세에 대비하는 알파 전략이 요구됩니다. 채권 시장은 국내 인플레이션 압력과 매파적 통화정책 경계감으로 인해 금리 변동성 확대에 유의해야 하며, 연금 및 개인 자금 유입을 바탕으로 우량 크레딧 및 장기채 중심의 인컴 투자 매력이 부각될 수 있습니다. 주식 시장은 단기적으로 방산, 에너지 및 낙폭 과대 대형주의 흐름을 주시하되, 중장기적으로는 자본시장 '머니무브'의 수혜가 기대되는 고배당주, 우량 대형주, 지수형 ETF 중심의 비중 확대 전략이 유효합니다.",
"telegram": "",
"youtube": "[빈난새] 테슬라표 반도체 공장 '테라팹', 제조혁신 VS 생산지옥 | 최후의 승자는 | 빈난새의 빈틈없이월가\n--- [빈난새] 테슬라표 반도체 공장 '테라팹', 제조혁신 VS 생산지옥 | 최후의 승자는 | 빈난새의 빈틈없이월가 ---\n\n📌 핵심 메시지: 일론 머스크가 초대형 자체 반도체 공장 '테라팹(Terafab)' 구축이라는 야심 찬 비전을 제시했으나, 천문학적 비용과 기술적 난제로 인해 궁극적으로는 기존 파운드리 업계와의 협력 모델이 현실화될 가능성이 높습니다.\n\n• 테슬라, 스페이스X, xAI 연합으로 기획된 '테라팹'은 칩 설계부터 패키징까지 모든 공정을 통합하여 우주 개척과 AI 산업에 필요한 1테라와트(TW)급 컴퓨팅 전력 칩을 직접 생산하겠다는 구상입니다.\n• 궁극적으로 월 100만 장(WSPM) 규모의 웨이퍼 생산을 목표로 하지만, 월가(번스타인)는 이에 최대 5조~13조 달러의 자본이 필요할 것으로 추산하며 과거 모델3 때와 같은 '생산 지옥'을 우려하고 있습니다.\n• ASML의 최첨단 노광장비 독점, 공정의 복잡성, 미국 내 반도체 전문 인력 및 100여 가지 이상의 화학 소재 공급망 부족 등 단기간에 극복하기 힘든 현실적 장벽들이 존재합니다.\n• 따라서 테슬라 연합이 자본을 투자하고, 삼성전자나 인텔, TSMC 등 제조 노하우를 갖춘 기존 파운드리 업체가 실제 생산을 담당하는 파트너십 형태가 가장 현실적인 대안으로 평가받고 있습니다.\n\n💡 시사점: '테라팹'의 독자적 실현 가능성을 떠나 AI 및 우주 산업을 위한 컴퓨팅 칩 수요 폭증은 기정사실화되었으므로, 글로벌 반도체 장비 및 메모리 기업들에게는 강력한 장기 슈퍼 사이클 호재로 작용할 것입니다.",
"insurance_news": "**[한화생명]**\n1. **[[단독]예보, 한화생명 지분 10% 전부 판다](https://www.sedaily.com/article/20023483?ref=naver)** — 예금보험공사가 예보채상환기금 만기 도래에 대비해 현재 보유 중인 한화생명 지분 10% 전량을 매각하기로 결정했습니다.\n2. **[한화생명 김동원 신임 받는 유창민 사내이사로, 글로벌 투자 강화 속도...](https://www.businesspost.co.kr/BP?command=article_view&num=433851)** — 정기주주총회를 통해 투자부문장을 이사회 신규 사내이사로 선임하며 글로벌 투자 역량 및 자산운용 강화를 본격적으로 추진합니다.\n\n**[한화손해보험]**\n1. **[한화손보, ‘해외 자회사 1호’ 리포손보 실적 고공행진](https://www.fetv.co.kr/news/article.html?no=215437)** — 첫 해외 자회사인 인도네시아 리포손해보험의 순이익이 전년 대비 크게 증가하며 우수한 재무적 성과를 기록하고 있습니다.\n2. **[인도네시아 리포보험 품은 한화손보, '법적 리스크' 첫 관문 넘었다…상...](http://www.press9.kr/news/articleView.html?idxno=73985)** — 인도네시아 리포일반보험 경영권 확보 직후 불거졌던 현지 보험금 청구 소송이 각하되며 사법 리스크를 성공적으로 해소했습니다.\n\n**[삼성생명]**\n1. **[DB손보, 얼라인 發 감사위원 선임…자본 규제 속 주주환원 압박 가시화](https://www.kfenews.co.kr/news/articleView.html?idxno=655968)** — 킥스(K-ICS) 등 자본 규제로 인해 배당 여력이 제한적인 상황에서 삼성생명을 비롯한 주요 상장 보험사들에 대한 주주환원 확대 압박이 커지고 있습니다.\n2. **[더 세진 국민연금·자문사 입김...'주주권익' '지배구조'에 재계 긴장](https://www.insightkorea.co.kr/news/articleView.html?idxno=243350)** — 글로벌 의결권 자문사 글래스루이스가 사외이사 후보자의 소속 법무법인과 그룹 간의 거래 내역을 지적하며 이사회 독립성 훼손 우려를 제기했습니다.\n\n**[삼성화재]**\n1. **[삼성화재, 상법 개정 맞춰 지배구조 정비⋯독립이사 체계 반영](https://www.etoday.co.kr/news/view/2568742)** — 정기 주주총회 시즌과 상법 개정에 발맞춰 독립이사 체계를 반영하는 등 이사회 지배구조와 내부통제 규정을 새롭게 정비하고 있습니다.\n2. **[보험료 올려도 적자 지속…車보험 지난달 손해율 86.7%](https://www.g-enews.com/view.php?ud=202603241606409377e30fcb1ba8_1)** — 자동차보험료 인상에도 불구하고 주요 대형 손해보험사들의 손해율이 손익분기점을 상회하는 86%대를 기록하며 적자 구조가 고착화될 우려가 제기됩니다.\n\n**[교보생명]**\n1. **[교보생명, 안철경 전 보험연구원장 사외이사로 영입](https://news.einfomax.co.kr/news/articleView.html?idxno=4405629)** — 보험 정책 및 제도 전문가인 안철경 전 보험연구원장을 사외이사 겸 감사위원으로 영입해 이사회의 전문성을 높이고 경영진 견제 기능을 강화합니다.\n2. **['4연임' 김문석 SBI저축은행 대표…교보생명과 시너지 주목](https://www.insightkorea.co.kr/news/articleView.html?idxno=243353)** — 자회사로 편입된 SBI저축은행의 대표가 연임에 성공함에 따라 경영 연속성을 확보하고 교보생명과의 금융 사업 시너지 창출에 집중할 전망입니다.\n\n**[공통]**\n1. **[美 사모대출펀드 '환매 러시' 지속…국내 금융시장 긴장](https://www.newsis.com/view/NISX20260324_0003561250)** — 미국발 사모대출펀드 환매 러시가 이어지면서 사모신용투자를 자산군으로 편입해 운용 중인 국내 주요 보험사들의 자본건전성에 대한 긴장감이 고조되고 있습니다.\n2. **[\"중동 사태 장기화에 전쟁위험보험료 급등\"…보험사, 손해율 악화 우려](http://www.economytalk.kr/news/articleView.html?idxno=419401)** — 중동 분쟁 장기화로 선박보험의 전쟁위험담보 특약이 취소되고 새로운 계약 체결이 강제되면서 재물보험을 취급하는 보험사들의 손해율 악화가 우려됩니다.\n3. **[금감원, 변액보험 암행 평가…신한·KB \"상품설명 부족해 '미흡'\"](https://www.thepublic.kr/news/articleView.html?idxno=298539)** — 금융감독원의 미스터리쇼핑 결과, 생명보험사들이 변액보험을 판매할 때 자산 운용 방식과 위법 계약 해지권에 대한 설명이 미흡한 것으로 나타나 시정이 요구됩니다.",
"global_news_brief": "**[지정학 및 에너지]**\n전일 트럼프 전 대통령의 이란 타격 연기 시사에 일시적으로 급락했던 브렌트유 가격이 이란의 협상 부인 소식 직후 다시 배럴당 100달러 선을 돌파하며 가파르게 상승했습니다. 중동 긴장 완화에 대한 기대감이 식어 글로벌 에너지 공급 불안이 가중되는 가운데, 중동 관련 소식 발표 전 주식·원유 선물의 거래량이 급증하고 예측 시장에서 7만 달러 규모의 내부자 정보 의심 베팅이 적발되는 등 시장 변동성이 확대되고 있습니다.\n\n**[미국 증시 및 투자 심리]**\n중동발 호재로 일시적 반등을 보였던 미국 증시는 연준(Fed)의 지속적인 인플레이션 우려와 프라이빗 크레딧(사모신용) 시장의 리스크가 부각되며 상승세가 둔화해 보합권 흐름을 보이고 있습니다. 래리 핑크 블랙록 CEO가 섣부른 시장 타이밍 예측은 장기 수익률을 절반 수준으로 하락시킬 수 있다고 경고한 가운데, 아폴로의 150억 달러 규모 사모신용 펀드에서 투자자 환매 요청의 45%만 승인되는 등 대체투자 시장 내 유동성 경색 우려가 상승하고 있습니다.\n\n**[영국 경제 및 규제 정책]**\n영국 경쟁당국이 반려동물 보호자의 부담을 낮추기 위해 수의사 처방전 수수료 상한선을 최대 21파운드로 제한하여 비용 하락을 유도하고, 고속철도(HS2)의 운행 속도를 기존 시속 224마일에서 186마일로 늦춰 인프라 예산을 절감하는 전방위적 긴축에 돌입했습니다. 이는 평균 소득 5만 5천 파운드인 영국 중산층 가구의 주당 여가 지출이 40파운드나 감소할 정도로 실물 경제의 소비 위축이 심화하고 있으며, 향후 2차례의 주택담보대출 금리 추가 상승까지 예상되는 엄중한 경제 상황이 배경으로 작용했습니다.\n\n**[글로벌 기업 M&A 및 AI 투자]**\n프랑스 다논이 10억 유로 규모에 건강식품 기업 휴얼(Huel)을 인수하고, 미국 에스티로더가 장폴고티에 소유주와 합병을 논의하는 등 대형 소비재 기업들의 시장 지배력 확대 움직임이 크게 증가하고 있습니다. 이러한 전통 산업군의 재편과 더불어 피터 틸이 20억 달러 규모의 AI 소 목걸이(가축 관리) 스타트업에 베팅하고 에너지 기업 베이커 휴즈가 AI 시스템을 전면 도입하는 등, 첨단 기술을 활용해 기업 가치를 상승시키려는 시도가 산업 전반으로 확산하고 있습니다.\n\n**[거시경제 및 아시아 신흥국]**\n중국 정부는 운전자 부담 완화를 위해 내수 유가 인상폭을 하향 조정하고, 애플 등 80명 이상의 글로벌 기업 경영진을 베이징으로 초청해 외국인 직접투자 유치 증가에 총력을 기울이고 있습니다. 침체된 중국 부동산 시장이 향후 바닥을 다질 것이라는 전망이 나오는 가운데, 인도 중앙은행(RBI)은 견조한 외환보유고를 바탕으로 글로벌 시장의 충격에도 자국 경제가 높은 하락 방어력을 갖추고 있다고 발표하며 아시아 신흥국 경제의 견조한 펀더멘털을 강조했습니다.",
"global_news": "**[Fed·금리정책]**\n1. **[Fed's Goolsbee says he's worried about inflation in 'fraught but intense' climate](https://www.cnbc.com/2026/03/23/feds-goolsbee-says-hes-worried-about-inflation-in-fraught-but-intense-climate.html)** — 오스탄 골스비 미 연은 총재가 최근 '어렵고 격렬한' 환경 속에서 인플레이션에 대한 우려를 표명했습니다. 그는 언론 인터뷰를 통해 현재의 경제 환경에서 통화 정책을 결정하는 것이 매우 까다로운 상황이라고 진단했습니다. 이는 연준 내에서 물가 불안에 대한 경계감이 여전함을 시사하며, 향후 금리 경로에 대한 시장의 불확실성을 키울 수 있는 중요한 발언입니다.\n2. **[UK mortgage interest rates expected to rise despite Trump’s Iran pause](https://www.theguardian.com/business/2026/mar/23/uk-mortgage-interest-rates-markets-bank-of-england-iran-war)** — 트럼프 전 대통령의 이란 공격 연기 발언 등 지정학적 긴장 완화 기대감에도 불구하고 영국의 모기지 금리가 상승할 것으로 전망됩니다. 투자자들은 인플레이션의 지속적인 상승세로 인해 영란은행(BOE)이 두 차례에 걸쳐 0.25%포인트씩 금리를 인상할 가능성이 높다고 분석하고 있습니다. 이는 고물가 고착화에 따른 긴축 장기화 우려가 채권 시장에 매우 강하게 반영되고 있음을 보여줍니다.\n3. **[The Mood in Markets Is Sell First, Ask Questions Later - Bloomberg](https://bloomberg.com/news/newsletters/2026-03-23/the-mood-in-markets-is-sell-first-ask-questions-later)** — 트레이더들이 더 높은 인플레이션을 가격에 반영함에 따라 전 세계적으로 국채 금리가 상승하고 있습니다. 시장 참여자들은 불확실한 경제 지표와 리스크 앞에서 일단 매도하고 상황을 지켜보는 방어적인 태도를 취하고 있습니다. 이러한 글로벌 금리의 동반 상승 추세는 주식 등 위험 자산의 밸류에이션에 직접적인 하방 압력으로 작용할 수 있어 주의가 필요합니다.\n\n**[인플레이션·경제]**\n1. **[UK Studies Wider Ways to Help Economy on Iran, Starmer Says - Bloomberg](https://www.bloomberg.com/news/articles/2026-03-23/uk-studies-wider-ways-to-help-economy-on-iran-starmer-says)** — 키어 스타머 영국 총리는 이란 위기로 인한 파급 효과를 논의하기 위해 긴급 회의를 주재하며, 경제를 지원하기 위한 광범위한 조치를 검토하고 있다고 밝혔습니다. 중동 지역의 긴장이 글로벌 에너지 가격 상승을 넘어 실물 경제의 침체로 전이될 위험이 커짐에 따라 정부 차원의 선제적 대응이 본격화되고 있습니다. 이는 주요국의 재정 및 정책 방향이 물가 방어에서 실물 경제 구제로 이동할 수 있음을 의미합니다.\n2. **['We can't justify a £52 lunch': Middle-income families cut back on days out](https://www.bbc.com/news/articles/ckg3g11z6d8o?at_medium=RSS&at_campaign=rss)** — 평균 총소득이 5만 5천 파운드인 영국의 중산층 가구들이 여가 활동 지출을 주당 40파운드씩 줄인 것으로 공식 집계되었습니다. 지속적인 물가 상승으로 인해 평범한 가계조차 외식 등 재량 소비를 감당하기 어려워진 상황입니다. 이는 인플레이션이 소비 심리와 실물 경제에 직접적인 타격을 주고 있으며, 향후 내수 소비재 기업들의 실적 악화로 이어질 수 있는 핵심 지표입니다.\n3. **[Sheinbaum Allies Rush for Private Infrastructure Investment as Economy Sputters - Bloomberg](https://www.bloomberg.com/news/articles/2026-03-23/sheinbaum-allies-rush-for-private-infrastructure-investment-as-economy-sputters)** — 멕시코의 클라우디아 셰인바움 대통령 측근들이 부진한 경제를 부양하기 위해 민간 인프라 투자 유치에 박차를 가하고 있습니다. 의회 내 여당은 공공 지출만으로는 성장을 이끌기 부족하다고 판단하여 프로젝트 승인 절차를 가속화하고 있습니다. 이는 멕시코가 경제 활력을 되찾기 위해 친기업적인 인프라 정책으로 선회하고 있음을 시사하며, 글로벌 대체 투자 자본의 흐름에 긍정적인 영향을 미칠 수 있습니다.\n\n**[지정학·전쟁]**\n1. **[Trump’s ‘very good’ talks with Iran buy him time with oil and energy markets](https://www.theguardian.com/world/2026/mar/24/trumps-very-good-talks-with-iran-buy-him-time-with-oil-and-energy-markets)** — 트럼프 전 미국 대통령이 이란과의 회담을 통해 타격을 연기했다고 시사했지만, 이란 측은 해당 교섭을 부인했습니다. 회담의 구체적인 내용은 모호하나, 이로 인해 미국은 원유 및 에너지 시장이 안정을 찾을 수 있는 시간을 벌게 되었습니다. 이는 중동 지역 강대국들 사이에서 평화를 위한 외교적 움직임이 나타날 수 있다는 신호로 해석되며, 단기적으로 유가 변동성을 진정시키는 요인으로 작용하고 있습니다.\n2. **[Volume in stock and oil futures surged minutes before Trump's market-turning post](https://www.cnbc.com/2026/03/23/volume-in-stock-and-oil-futures-surged-minutes-before-trumps-market-turning-post.html)** — 트럼프 전 대통령이 시장에 큰 영향을 미치는 게시글을 올리기 직전에 주식 및 원유 선물의 거래량이 급증한 것으로 나타났습니다. 이란 전력 시설 타격을 연기하겠다는 소식이 나오기 전, 두 시장 모두에서 선제적인 거래량 급증 패턴이 포착되어 트레이더들의 이목을 끌었습니다. 이는 주요 지정학적 이벤트 발표 전후로 시장의 정보 비대칭성이나 알고리즘 매매가 극심한 변동성을 유발할 수 있음을 보여주는 중요한 사례입니다.\n3. **[Bets on US-Iran ceasefire show signs of insider knowledge, say experts](https://www.theguardian.com/us-news/2026/mar/23/bets-us-iran-ceasefire-show-signs-of-insider-knowledge-say-experts-polymarket)** — 온라인 예측 플랫폼인 폴리마켓에서 미국과 이란의 휴전에 총 7만 달러를 베팅한 신규 계정들이 발견되어 내부 정보 이용 가능성이 제기되었습니다. 전문가들은 이러한 대규모 베팅이 일정 수준의 사전 정보를 바탕으로 이루어졌을 확률이 높다고 분석했습니다. 이는 지정학적 긴장 완화 가능성이 공식 발표 전부터 이미 암묵적인 시장 가격에 반영되기 시작했음을 시사하는 흥미로운 지표입니다.\n\n**[원자재·에너지]**\n1. **[Brent crude oil back over $100 a barrel as optimism over Middle East de-escalation fades – busine...](https://www.theguardian.com/business/live/2026/mar/24/brent-crude-oil-100-dollars-a-barrel-middle-east-iran-stock-markets-economic-growth-latest-news-updates)** — 중동 지역의 긴장 완화에 대한 낙관론이 옅어지면서 브렌트유 가격이 다시 배럴당 100달러를 돌파했습니다. 이란이 미국의 회담 주장을 일축하고, 유럽연합 측이 글로벌 에너지 상황을 '위기'로 평가하면서 유가상승 압력이 재차 커졌습니다. 원유 공급망의 지정학적 리스크가 여전히 해소되지 않아 인플레이션 재점화 우려를 자극하고 있으며, 글로벌 매크로 환경에 상당한 부담으로 작용하고 있습니다.\n2. **[Ministers rebuff trade body’s call to boost North Sea oil and gas production](https://www.theguardian.com/business/2026/mar/24/ministers-rebuff-call-north-sea-oil-gas-production-offshore-energies-uk)** — 영국 정부가 북해의 석유 및 가스 생산을 대폭 늘려야 한다는 에너지 업계 단체의 긴급한 요구를 거절했습니다. 정부 측은 화석연료 시장의 롤러코스터 같은 변동성에서 벗어나는 것이 더 시급하다며 탈탄소 전환 기조를 고수했습니다. 이는 에너지 안보 위기 속에서도 주요국 정부가 단기적인 화석연료 증산보다는 장기적인 친환경 에너지 전환 정책을 우선시하고 있음을 보여줍니다.\n3. **[Sinopec Profit Slumps in 2025 as Oil Prices and Chemicals Weigh](https://finance.yahoo.com/sectors/energy/articles/sinopec-profit-slumps-2025-oil-043738720.html)** — 중국의 대형 에너지 기업인 시노펙(Sinopec)의 수익이 국제 유가 변동과 화학 부문의 실적 부진으로 인해 크게 감소했습니다. 글로벌 수요 둔화와 원자재 가격의 불확실성이 복합적으로 작용하면서 기업의 마진을 강하게 압박했습니다. 이는 세계 최대 에너지 소비국인 중국의 산업 수요 둔화를 반영하는 동시에, 글로벌 원자재 펀더멘털의 약화를 시사하는 핵심 실적 지표입니다.\n\n**[아시아·한국]**\n1. **[Light at End of the Tunnel for China’s Property Slump - Bloomberg](https://www.bloomberg.com/news/newsletters/2026-03-23/light-at-end-of-the-tunnel-for-china-s-property-slump)** — 블룸버그 이코노믹스는 극심한 침체를 겪어온 중국의 부동산 시장이 2027년경에 마침내 바닥을 칠 것으로 전망했습니다. 이는 중국 경제의 가장 큰 뇌관이었던 부동산 위기가 서서히 진정 국면에 진입할 수 있다는 분석입니다. 글로벌 투자자들에게는 중국의 시스템적 리스크가 점진적으로 해소되며, 아시아 자산 전반의 투자 심리가 개선될 수 있는 중요한 장기 전환점으로 평가됩니다.\n2. **[U.S. executives, from Apple to Eli Lilly, revamp their push into the world's second-largest econo...](https://www.cnbc.com/2026/03/23/apple-eli-lilly-us-china-market-push-trade-truce.html)** — 애플과 일라이 릴리 등 80여 명의 글로벌 경영진이 국가 주도로 열린 '중국 발전 포럼'에 참석하기 위해 베이징을 방문했습니다. 이는 지정학적 갈등과 무역 긴장 속에서도 핵심 다국적 기업들이 세계 2위 경제 대국인 중국 시장 진출에 여전히 높은 의지를 갖고 있음을 보여줍니다. 미·중 간의 실질적인 비즈니스 협력이 유지되면서, 글로벌 공급망 안정과 아시아 무역 활성화에 긍정적인 촉매제가 될 수 있습니다.\n3. **[India’s Economy Has Strength to Withstand External Shocks, RBI Says - Bloomberg](https://www.bloomberg.com/news/articles/2026-03-23/india-s-economy-strong-enough-to-face-external-shocks-rbi-says)** — 인도 중앙은행(RBI)은 자국 경제가 외부 충격을 견딜 수 있는 충분한 체력을 갖추고 있다고 공식 발표했습니다. 강력한 외환보유고와 탄탄한 거시경제 펀더멘털을 바탕으로 글로벌 금융시장의 변동성 확대에 효과적으로 대응할 수 있다는 입장입니다. 이는 신흥국 시장 전반의 불안감 속에서도 인도가 아시아 내에서 상대적으로 돋보이는 안전 투자처로 부각될 수 있음을 시사합니다.\n\n**[기타 글로벌]**\n1. **[Apollo gives investors only 45% of requested withdrawals from $15 billion private credit fund](https://www.cnbc.com/2026/03/23/apollo-private-credit-fund-gives-investors-only-45percent-of-requested-withdrawals.html)** — 거대 대체투자 운용사 아폴로(Apollo)가 150억 달러 규모의 사모 신용 펀드에서 투자자들이 요청한 인출 금액의 45%만 지급했습니다. 소프트웨어 기업 대상 대출의 부실 우려로 인해 사모 신용 시장 전반에 퍼진 대규모 환매 요구 사태를 아폴로 역시 피하지 못한 것입니다. 이는 급격히 성장했던 사모 신용(Private Credit) 시장의 유동성 경색 위험이 수면 위로 드러난 것으로, 금융 시스템 리스크 측면에서 매우 주의 깊게 봐야 할 사건입니다.\n2. **[Jeffrey Gundlach says it's a ‘going nowhere’ market, warns of private credit strains](https://www.cnbc.com/2026/03/23/jeffrey-gundlach-says-its-a-going-nowhere-market-warns-of-private-credit-strains.html)** — '채권왕' 제프리 건들락이 현재 주식 시장을 '제자리걸음' 상태로 진단하며, 사모 신용 시장 내 잠재적 위험을 강하게 경고했습니다. 특히 고위험 차입자에게 노출된 펀드들을 중심으로 투자자들의 감시와 우려가 증폭되고 있는 상황입니다. 그의 발언은 고금리 장기화 여파로 그림자 금융(Shadow Banking) 부문의 약한 고리가 부러질 수 있다는 불안감을 대변하며 기관 투자자들의 자산 배분 전략에 경종을 울리고 있습니다.\n3. **[Wall Street Chips Away at LBO Junk-Debt Pile as Nexstar Wraps Up - Bloomberg](https://bloomberg.com/news/articles/2026-03-23/wall-street-chips-away-at-lbo-junk-debt-pile-as-nexstar-wraps-up)** — 월스트리트의 금융기관들이 차입매수(LBO) 자금 조달을 위해 쌓아둔 수십억 달러 규모의 정크본드 물량을 최근의 극심한 변동성 장세 속에서도 털어내기 위해 애쓰고 있습니다. 넥스타 미디어 그룹(Nexstar Media Group) 관련 딜 등이 일정 부분 지연되는 우여곡절 끝에 마무리 수순을 밟고 있습니다. 이는 현재 고수익 채권 시장의 위험 소화 능력을 시험하는 리트머스 시험지로, 향후 M&A 시장 활성화 및 기업 자금 조달 여건을 가늠할 수 있는 중요한 지표입니다.",
"beige_book": "**경기 사이클 위치** \n12개 연방준비은행 관할구 중 7곳에서 경제 활동이 약간에서 완만한(slight to moderate) 속도로 확장되었으나, 정체나 감소를 보고한 지역도 5곳으로 늘어나 확장세가 다소 약화되고 혼조세를 보이고 있습니다. 그럼에도 전반적인 경제 전망은 낙관적이며, 기업들은 향후 수개월 동안 완만한 성장이 이어질 것으로 기대하고 있습니다.\n\n**인플레이션** \n관세 및 비노동 투입 비용(보험, 에너지, 원자재 등)의 상승 압력으로 인해 최근 몇 주간 물가는 완만하게(moderately) 상승했습니다. 다만 소비자의 가격 민감도가 높아져 기업들이 비용을 판매 가격에 전가하는 데 어려움을 겪고 있으며, 단기적으로는 물가 상승세가 다소 둔화될 것으로 예상됩니다.\n\n**고용·임금** \n고용 수준은 전반적으로 안정세를 유지한 가운데, 임금은 특정 숙련직에 대한 수요와 건강보험료 인상 등 총보상 비용 증가로 인해 약간에서 완만한 수준으로 상승했습니다.\n\n**소비·수요** \n소비 지출은 전반적으로 소폭 증가에 그쳤으며, 경제적 불확실성, 가격 민감도 증가, 저소득층의 지출 축소 및 자동차 구매 여력 부족이 수요를 억누르는 주요 요인으로 작용했습니다.\n\n**금융 리스크** \n금융 서비스 부문은 상업용 대출의 강세를 중심으로 안정적이거나 소폭 성장했으며, 전반적인 신용 여건에 큰 시스템적 리스크는 관찰되지 않고 있습니다.\n\n**핵심 시사점** \n미국 경제는 고용 안정 속에서 완만한 성장을 이어가고 있으나, 저소득층의 재무적 압박과 소비 둔화 징후가 뚜렷해지며 경제의 양극화(bifurcation)가 관찰되고 있습니다. 관세 등으로 인한 비용 상승 압력이 존재함에도 불구하고 소비자의 가격 저항이 인플레이션을 자체적으로 억제하고 있어, 연준은 향후 물가 및 소비 둔화 추이를 지켜보며 정책 금리 조정에 신중을 기할 것으로 판단됩니다.\n\n출처: https://www.federalreserve.gov/monetarypolicy/beigebook202602-summary.htm",
"fed_speeches": "John Williams 뉴욕 연은 총재 (2026-03-24)\n• 현재 민간 디지털 통화에 대한 포괄적인 규제 프레임워크가 부재하며, 이는 1800년대의 혼란스러웠던 '살쾡이 은행(wildcat banking)' 시대와 유사한 측면이 있습니다.\n• 기존 규제 기관들이 현행법을 적용해 사기 및 자금 세탁에 대응하고 있으나, 아직 선제적이고 일관된 정책적 대응은 이루어지지 않고 있습니다.\n• 디지털 통화의 영향력이 커질 경우를 대비하여, 다수의 규제 기관이 협력하는 유연하고 활동 중심적인 규제 방식의 도입을 고려해야 합니다.\n\nJohn Williams 뉴욕 연은 총재 (2026-03-24)\n• 인구통계학적 변화와 생산성 향상 둔화로 인해 미국뿐만 아니라 전 세계적으로 중립금리(r-star)가 하락했습니다.\n• 과거와 달리 인플레이션 상승 압력보다는 타겟을 밑도는 낮은 인플레이션과 글로벌 성장 둔화가 더 큰 우려 사항으로 대두되고 있습니다.\n• 무역 협상 및 지정학적 긴장으로 인한 불확실성이 기업들의 투자 결정을 지연시키며 경제 전망을 더욱 복잡하게 만들고 있습니다.\n• 단일 데이터에 얽매이지 않고 광범위한 정보를 바탕으로 장기적인 경제 흐름을 읽고 대응하는 데이터 의존적인 통화정책을 운용해야 합니다.\n\nJohn Williams 뉴욕 연은 총재 (2026-03-24)\n• 금융 기관의 위법 행위는 개별 기업의 평판을 훼손할 뿐만 아니라, 시장의 신뢰를 무너뜨려 실물 경제 전반에까지 악영향을 미칩니다.\n• 규제 당국이 법적 테두리를 설정할 수는 있지만, 규제의 공백을 메우고 올바른 윤리적 판단을 내리기 위한 조직 문화 개선은 금융 업계 스스로 해결해야 할 복잡한 과제입니다.\n• 공공 부문은 모범 사례 개발, 교육 포럼 개최, 글로벌 행동 강령 마련 등을 촉진하여 업계 전반의 행동 기준을 높이는 데 기여해야 합니다.\n\nJohn Williams 뉴욕 연은 총재 (2026-03-24)\n• 기후 변화는 장기적이고 예측하기 어려운 물리적·전환적 위험을 야기하며, 이는 기존의 전통적인 리스크 관리 도구로는 대처하기 어렵습니다.\n• 감독 당국은 특정 사회적 목적을 강제하기보다는, 금융 기관들이 기후 관련 충격을 포함한 모든 위험에 대비하고 회복력을 갖추도록 감독 도구를 활용해야 합니다.\n• 인지적 다양성과 민첩성을 포용하는 건전한 기업 문화는 기술 혁신과 성공적인 디지털 전환을 이끄는 핵심적인 요소로 작용합니다.\n\nJohn Williams 뉴욕 연은 총재 (2026-03-24)\n• 과거의 물리적 위협과 달리 사이버 리스크, 기후 변화, 인재 관리 등 현대의 새로운 위험 요소들은 예측하기 어렵고 본질적으로 모호합니다.\n• 기술과 혁신은 엄청난 기회를 창출하는 동시에 새로운 취약점을 노출시키므로 이에 대응하는 혁신적인 접근 방식이 필요합니다.\n\nJeffrey Schmid 캔자스시티 연은 총재 (2026-03-24)\n• 견조한 경제 성장에도 불구하고 인플레이션이 여전히 3%에 근접해 있으며, 물가 안정 목표인 2%로 완전히 회귀할 때까지 경계를 늦춰서는 안 됩니다.\n• 현재 노동 시장은 채용과 해고가 모두 적은 상태이나, 이민 감소와 고령화 등 구조적 요인으로 인해 전반적인 균형을 유지하고 있습니다.\n• 인구 고령화로 인해 헬스케어 등 특정 부문의 수요가 급증하고 있으며, 이러한 수요 견인형 성장은 지속적인 인플레이션 압력을 가중시킬 수 있습니다.\n• 인공지능(AI)과 같은 혁신이 확실한 공급 주도형 성장을 이끌기 전까지는 여전히 수요가 공급을 초과하고 있다고 판단해야 합니다.\n\nJeffrey Schmid 캔자스시티 연은 총재 (2026-03-24)\n• 최근의 경제 성장은 생산성 향상과 견조한 수요가 복합적으로 작용한 결과이나, 지속되는 인플레이션은 여전히 수요가 공급을 초과하고 있음을 시사합니다.\n• 인플레이션이 3% 수준에서 고착화되는 것을 막고 목표치인 2%로 낮추기 위해 다소 제약적인 통화정책 기조를 유지하는 것이 적절합니다.\n• 은행 시스템의 유동성 수요를 충족하기 위해 대차대조표가 다시 증가하고 있으나, 주택저당증권(MBS) 축소와 국채 만기 단축을 통해 시장 개입 비중을 지속적으로 줄여나가고 있습니다.\n• 특정 부문에 대한 신용 할당이나 수익률 곡선 왜곡을 최소화하여 금융 시장 내 중앙은행의 영향력을 줄이는 것은 연준의 독립성 유지에 필수적입니다.\n\nMary Daly 샌프란시스코 연은 총재 (2026-03-24)\n• 인공지능(AI)이 과거 전기나 인터넷처럼 경제 전반의 생산성 향상으로 이어지기 위해서는 기업의 근본적인 구조 재편과 상당한 시간이 필요합니다.\n• 기업들이 AI를 통해 비용 절감 등 부분적인 효율성 개선을 경험하고 있으나, 거시 경제 데이터상으로 확연한 생산성 증가가 나타나기에는 이른 시점입니다.\n• 거시적 집계 데이터에만 의존하지 않고, 미시적 지표와 기업 현장의 목소리를 종합하여 선제적이고 유연한 정책을 수립해야 합니다.\n\nMary Daly 샌프란시스코 연은 총재 (2026-03-24)\n• 위기 대응 과정에서 연준의 대차대조표가 크게 확대되었으나, 유통 통화량 등 부채의 자연적인 증가로 인해 명목상 과거 수준으로 회귀하는 것은 불가능합니다.\n• 위기 상황에서는 신속한 안정을 위해 대차대조표가 급격히 팽창하지만, 정상화 과정에서는 시장 혼란을 막기 위해 점진적이고 신중하게 축소되어야 합니다.\n• 대차대조표가 긴급 유동성 공급 및 금리 통제 등 복합적인 목적을 지니는 만큼, 정책 결정 과정과 편익의 균형을 대중에게 투명하게 소통해야 합니다.\n\nMary Daly 샌프란시스코 연은 총재 (2026-03-24)\n• 경제적 불확실성과 정책적 변화가 나타나는 시기일수록 물가 안정과 최대 고용이라는 이중 책무에 흔들림 없이 집중하는 것이 중요합니다.\n• 인플레이션이 목표치에 근접하고 노동 시장이 둔화 조짐을 보임에 따라, 양대 책무 달성에 대한 위험이 점차 균형을 이루고 있습니다.\n• 노동 시장을 지원하고 물가 안정을 도모하기 위해 최근 25bp의 금리 인하를 단행했으며, 향후 경제 지표의 변화에 따라 추가적인 정책 조정이 필요할 수 있습니다.\n\nMary Daly 샌프란시스코 연은 총재 (2026-03-24)\n• 관세와 이민 제한 조치 등이 물가를 끌어올리는 반면 제약적인 통화정책은 물가를 낮추고 있어, 경제 방향성이 엇갈리며 정책 결정의 복잡성이 커졌습니다.\n• 고용과 물가 목표에 대한 위험이 균형을 이루고 있으므로, 노동 시장의 급격한 냉각을 방지하기 위해 향후 수개월 내에 세심한 정책 재조정이 필요합니다.\n• 원자재나 연방 정부 지출에 의존하는 지역 경제는 장기적인 회복력을 갖추기 위해 의도적인 산업 다각화와 신기술에 대한 투자를 모색해야 합니다.\n\nMary Daly 샌프란시스코 연은 총재 (2026-03-24)\n• 과거 비밀주의를 유지했던 연방준비제도는 지난 30여 년간 투명성을 대폭 강화하여 대중의 신뢰와 시장의 이해도를 크게 높여왔습니다.\n• 글로벌 금융위기 당시의 강력한 포워드 가이던스는 매우 효과적이었으나, 팬데믹 이후의 물가 급등 사례는 불확실한 시기에 지나치게 단정적인 소통이 정책 유연성을 떨어뜨릴 수 있음을 보여주었습니다.\n• 효과적인 소통을 위해서는 투명성 및 명확성을 유지하는 동시에, 급변하는 경제 상황에 대처할 수 있는 유연성의 조화가 필수적입니다.",
"email": ""
},
"comprehensive_report": "============================================================\n일일 시황 요약 - 2026-03-24\n============================================================\n\n[시장 개요] 전반적으로 강세 흐름\n\n[주요 지수]\n------------------------------------------------------------\n▶ 한국 시장\n KOSPI 5,553.92 ▲ +148.17 (+2.74%)\n KOSDAQ 1,121.44 ▲ +24.55 (+2.24%)\n\n▶ 미국 시장\n S&P500 6,581.00 ▲ +74.52 (+1.15%)\n NASDAQ 21,946.76 ▲ +299.15 (+1.38%)\n DOW 46,208.47 ▲ +631.00 (+1.38%)\n\n▶ 아시아 시장\n NIKKEI 52,252.28 ▲ +736.79 (+1.43%)\n HANGSENG 25,062.28 ▲ +679.81 (+2.79%)\n SHANGHAI 3,881.28 ▲ +68.00 (+1.78%)\n\n▶ VIX / 달러 인덱스\n VIX (공포지수) 25.88 ▼ -0.27 (-1.03%)\n 달러 인덱스 99.20 ▲ +0.25 (+0.25%)\n\n출처: Yahoo Finance (https://finance.yahoo.com)\n\n[귀금속 및 원자재]\n------------------------------------------------------------\n▶ 귀금속\n 금 $ 4,413.30 ▲ +9.20 (+0.21%)\n 은 $ 69.75 ▲ +0.71 (+1.02%)\n 구리 $ 5.40 ▼ -0.04 (-0.66%)\n\n▶ 에너지\n WTI $ 89.47 ▲ +1.34 (+1.52%)\n 브렌트유 $ 97.08 ▼ -2.86 (-2.86%)\n 천연가스 $ 2.91 ▲ +0.02 (+0.55%)\n\n출처: Yahoo Finance (https://finance.yahoo.com)\n\n[환율]\n------------------------------------------------------------\n USD/KRW 1,495.38 ▼ -8.83 (-0.59%)\n EUR/USD 1.16 ▲ +0.00 (+0.38%)\n USD/JPY 158.49 ▼ -0.74 (-0.46%)\n GBP/USD 1.34 ▲ +0.01 (+0.65%)\n USD/CNY 6.89 ▲ +0.00 (+0.00%)\n\n출처: Yahoo Finance (https://finance.yahoo.com)\n\n[미국 국채 수익률]\n------------------------------------------------------------\n 2년물 3.86% ▲ +0.03 (+0.73%)\n 10년물 4.35% ▲ +0.01 (+0.32%)\n 30년물 4.92% ▲ +0.01 (+0.22%)\n\n출처: Yahoo Finance (https://finance.yahoo.com)\n\n[한국 국고채 수익률]\n------------------------------------------------------------\n 국고채 3년 3.523% ▼ -0.094%p\n 국고채 10년 3.835% ▼ -0.044%p\n 국고채 30년 3.698% ▼ -0.015%p\n 회사채 AA-(무보증 3년) 4.121% ▼ -0.076%p\n 회사채 BBB- (무보증 3년) 9.921% ▼ -0.058%p\n\n출처: KRX/pykrx\n\n[일본 국채 수익률]\n------------------------------------------------------------\n 2년물 1.293% ▼ -0.01 (-0.46%)\n 10년물 2.258% ▼ -0.05 (-2.12%)\n 30년물 3.537% ▼ -0.03 (-0.87%)\n\n출처: Investing.com (https://www.investing.com/rates-bonds/)\n\n[주요 지수 변동]\n------------------------------------------------------------\n▶ 상승률 상위\n HANGSENG +2.79%\n KOSPI +2.74%\n KOSDAQ +2.24%\n\n▶ 하락률 상위\n S&P500 1.15%\n NASDAQ 1.38%\n DOW 1.38%\n\n============================================================\n데이터 수집 시간: 2026-03-24T08:15:32.417258\n============================================================\n\n\n\n[S&P 500 섹터 등락률]\n------------------------------------------------------------\n 임의소비재 (XLY ) $ 110.12 ▲ +2.21%\n 기술 (XLK ) $ 136.95 ▲ +1.23%\n 소재 (XLB ) $ 47.55 ▲ +1.21%\n 산업재 (XLI ) $ 163.05 ▲ +0.85%\n 에너지 (XLE ) $ 59.63 ▲ +0.54%\n 커뮤니케이션 (XLC ) $ 112.71 ▲ +0.43%\n 금융 (XLF ) $ 49.27 ▲ +0.39%\n 유틸리티 (XLU ) $ 44.78 ▲ +0.29%\n 부동산 (XLRE) $ 40.62 ▲ +0.07%\n 필수소비재 (XLP ) $ 81.18 ▼ -0.14%\n 헬스케어 (XLV ) $ 144.77 ▼ -0.39%\n\n출처: Yahoo Finance (https://finance.yahoo.com)\n\n[CBOE Put/Call Ratio]\n------------------------------------------------------------\n Total P/C 1.01\n Index P/C 1.15\n Equity P/C 0.81\n ETP P/C 1.02\n VIX P/C 0.51\n\n출처: CBOE Daily Market Statistics - https://www.cboe.com/us/options/market_statistics/daily/\n\n[VIX 기간구조]\n------------------------------------------------------------\n VIX 9D 27.76 ▲ +0.81 (+3.0%)\n VIX 25.80 ▼ -0.35 (-1.3%)\n VIX 3M 26.10 ▼ -1.33 (-4.8%)\n VIX 6M 26.94 ▼ -1.41 (-5.0%)\n 구조: 콘탱고 (정상) (VIX 3M - VIX = +0.30)\n\n출처: Yahoo Finance (https://finance.yahoo.com)\n\n[SPY 옵션 Put/Call]\n------------------------------------------------------------\n 만기: 2026-03-24\n Call 거래량: 689,372\n Put 거래량: 812,940\n P/C Ratio: 1.179\n\n출처: Yahoo Finance (https://finance.yahoo.com)\n\n[S5FI - S&P 500 이평선 위 종목 비중]\n------------------------------------------------------------\n 이평선 위 종목: 22.9% (약세)\n\n • 80% 이상: 시장 과열 → 조정 위험\n • 20% 이하: 시장 과매도 → 반등 기회\n\n출처: TradingView - https://www.tradingview.com/symbols/S5FI/\n\n\n\n\n[향후 경제지표 발표일정 (KST, 14일)]\n------------------------------------------------------------\n 2026-03-26 (목)\n 21:30 신규실업수당청구\n 2026-03-27 (금)\n 23:00 소비자심리지수\n 2026-04-02 (목)\n 21:30 신규실업수당청구\n 21:30 소매판매\n 2026-04-03 (금)\n 21:30 고용보고서 (실업률/비농업)\n\n출처: FRED Release API - https://fred.stlouisfed.org\n\n\n\n\n[주요 뉴스 요약 (AI)]\n------------------------------------------------------------\n미국과 이란의 협상 가능성 등 중동 긴장 완화 기대감과 트럼프의 공격 유예 발언에 힘입어 국내 증시가 동반 급등했습니다. 코스피는 2.74% 상승한 5553.92로 마감하며 5500선을 회복했고, 코스닥 역시 2.24% 올랐으며 특히 2차전지와 화학, 제약 업종이 강세를 보였습니다. 다만 잦은 급등락으로 올해 사이드카가 벌써 10회 발동되었으며, 유동주식비율이 49%에 불과한 점 등이 롤러코스터 장세의 원인으로 지목되고 있습니다.\n\n트럼프의 공격 유예 발언 이후 원·달러 환율은 4거래일 만에 1500원 선을 하회하며 1490.9원에서 1495.2원 부근으로 떨어졌고, 국고채 3년물 금리도 연 3.523%로 하락했습니다. 이전까지 환율이 17년여 만에 1510원을 돌파하고 국제 유가가 100달러에 달하는 등 수출기업의 이중 부담이 현실화된 바 있습니다. 이에 한국은행은 이란 사태로 인한 물가와 환율 불안을 고려해 4월 금리를 동결할 가능성을 내비치고 있습니다.\n\nSK하이닉스는 선단 공정 전환을 가속하기 위해 2년간 12조 원 규모의 EUV 장비를 도입하고, 미국 뉴욕에 AI 컴퍼니 거점을 설립하는 한편 미국 ADR 주관사 선정에 착수했습니다. 삼성전자는 전영현 면담 하루 만에 노조와 교섭 재개를 결정하고 26~27일 집중 교섭을 진행하며 총파업 위기 해결의 실마리를 찾고 있습니다.\n\n최윤범 백기사 교체 등 재편 과정에서 메리츠가 6500억 원 규모의 단독 인수를 진행하는 가닥이 잡혔습니다. 국민연금이 한진칼 조원태에 대해 반대표를 던진 것을 두고 기업가치 개선인지 경영 발목잡기인지에 대한 논란이 일고 있으며, 케이뱅크 공모주에 투자한 개인들은 물린 반면 재무적 투자자들은 대거 자금을 회수했습니다.\n\n개인 투자자들이 26조 원을 쓸어 담으며 변동성 장세를 기회로 삼아 매수에 나섰으나, 실제 수익률은 외국인 투자자가 앞선 것으로 나타났습니다. 코스닥사 주가조작으로 전 증권사 직원과 기업인이 구속기소 되었고, 한국거래소의 절차 지연으로 사업보고서를 공시하지 못한 기업의 애프터마켓 주가가 급락하는 등 각종 시장 잡음도 이어지고 있습니다.\n\n미국 증시는 트럼프의 이란 관련 발표 직전에 요동치며 롤러코스터 장세를 보였고, 나스닥 상장 후 PPHC는 러셀 2000 및 3000 지수에 편입되었습니다. 뉴욕증권거래소 부회장의 갤럭시코퍼레이션 이례적 방문으로 미국 상장 청신호가 켜진 가운데, 미래에셋증권이 6347억 원 규모의 역대 최대 주주환원을 확정하고 다수의 증권사가 신임 대표를 선임하며 경영진 재편에 나섰습니다.\n\n\n\n[증권사 리포트 요약 (AI)]\n------------------------------------------------------------\n미국 트럼프 대통령이 이란 에너지 시설에 대한 공격을 5일간 유예한다고 발표하면서 지정학적 리스크가 일부 완화되었습니다. 이에 따라 WTI 원유 가격이 배럴당 88달러 선으로 10%가량 급락했고, 미국 10년물 국채 금리도 하락하며 미국 증시는 반등했습니다. 국내 증시는 전 거래일 중동 확전 공포로 코스피가 6.4%대 급락해 매도 사이드카가 발동되었고 원/달러 환율이 1,510원 선을 돌파했으나, 야간 선물 시장 반등을 고려할 때 단기적인 회복세가 예상됩니다. 다만 이란과의 실제 협상 진전 및 호르무즈 해협 개방 여부가 불투명해 시장 변동성은 지속될 전망입니다.\n\n채권 및 금리 전망과 관련하여 국내외 시장 간 차별화된 흐름과 리스크 요인이 관찰됩니다. 미국 국채 금리는 지정학적 긴장 완화로 하락했지만, 국내 국채 금리는 강한 상승 압력을 받고 있습니다. DS투자증권은 고유가 충격 대응을 위해 논의되는 현금성 지원 위주의 추경이 단기적인 총수요를 자극해 물가 상방 압력을 가중시킬 것이라 분석하며, 국내 채권 금리의 추가 상승 가능성을 경고합니다. 여기에 매파적 성향으로 평가받는 신현송 한국은행 총재 후보자 지명 소식이 더해지며 국내 3년물 국채 금리가 3.6%를 돌파하는 등 급등세가 나타났습니다.\n\n경제 구조적 측면에서 키움증권은 2026~2028년을 한국 가계자산의 구조적 '머니무브' 전환기로 전망합니다. 퇴직연금 기금화 및 의무화, ISA 혜택 확대, 한국형 BDC 도입, 국민성장펀드 조성 등 정책적 유인으로 인해 부동산과 예금에 편중된 자금이 주식, 채권, ETF 등 자본시장으로 대거 이동할 것으로 예상합니다.\n\n투자 시사점으로는 단기적으로 중동 리스크와 유가 흐름에 따른 변동성 장세에 대비하는 알파 전략이 요구됩니다. 채권 시장은 국내 인플레이션 압력과 매파적 통화정책 경계감으로 인해 금리 변동성 확대에 유의해야 하며, 연금 및 개인 자금 유입을 바탕으로 우량 크레딧 및 장기채 중심의 인컴 투자 매력이 부각될 수 있습니다. 주식 시장은 단기적으로 방산, 에너지 및 낙폭 과대 대형주의 흐름을 주시하되, 중장기적으로는 자본시장 '머니무브'의 수혜가 기대되는 고배당주, 우량 대형주, 지수형 ETF 중심의 비중 확대 전략이 유효합니다.\n\n\n\n[YouTube 시황 영상 요약 (AI)]\n------------------------------------------------------------\n[빈난새] 테슬라표 반도체 공장 '테라팹', 제조혁신 VS 생산지옥 | 최후의 승자는 | 빈난새의 빈틈없이월가\n--- [빈난새] 테슬라표 반도체 공장 '테라팹', 제조혁신 VS 생산지옥 | 최후의 승자는 | 빈난새의 빈틈없이월가 ---\n\n📌 핵심 메시지: 일론 머스크가 초대형 자체 반도체 공장 '테라팹(Terafab)' 구축이라는 야심 찬 비전을 제시했으나, 천문학적 비용과 기술적 난제로 인해 궁극적으로는 기존 파운드리 업계와의 협력 모델이 현실화될 가능성이 높습니다.\n\n• 테슬라, 스페이스X, xAI 연합으로 기획된 '테라팹'은 칩 설계부터 패키징까지 모든 공정을 통합하여 우주 개척과 AI 산업에 필요한 1테라와트(TW)급 컴퓨팅 전력 칩을 직접 생산하겠다는 구상입니다.\n• 궁극적으로 월 100만 장(WSPM) 규모의 웨이퍼 생산을 목표로 하지만, 월가(번스타인)는 이에 최대 5조~13조 달러의 자본이 필요할 것으로 추산하며 과거 모델3 때와 같은 '생산 지옥'을 우려하고 있습니다.\n• ASML의 최첨단 노광장비 독점, 공정의 복잡성, 미국 내 반도체 전문 인력 및 100여 가지 이상의 화학 소재 공급망 부족 등 단기간에 극복하기 힘든 현실적 장벽들이 존재합니다.\n• 따라서 테슬라 연합이 자본을 투자하고, 삼성전자나 인텔, TSMC 등 제조 노하우를 갖춘 기존 파운드리 업체가 실제 생산을 담당하는 파트너십 형태가 가장 현실적인 대안으로 평가받고 있습니다.\n\n💡 시사점: '테라팹'의 독자적 실현 가능성을 떠나 AI 및 우주 산업을 위한 컴퓨팅 칩 수요 폭증은 기정사실화되었으므로, 글로벌 반도체 장비 및 메모리 기업들에게는 강력한 장기 슈퍼 사이클 호재로 작용할 것입니다.\n\n\n\n[보험사 뉴스 요약 (AI)]\n------------------------------------------------------------\n**[한화생명]**\n1. **[[단독]예보, 한화생명 지분 10% 전부 판다](https://www.sedaily.com/article/20023483?ref=naver)** — 예금보험공사가 예보채상환기금 만기 도래에 대비해 현재 보유 중인 한화생명 지분 10% 전량을 매각하기로 결정했습니다.\n2. **[한화생명 김동원 신임 받는 유창민 사내이사로, 글로벌 투자 강화 속도...](https://www.businesspost.co.kr/BP?command=article_view&num=433851)** — 정기주주총회를 통해 투자부문장을 이사회 신규 사내이사로 선임하며 글로벌 투자 역량 및 자산운용 강화를 본격적으로 추진합니다.\n\n**[한화손해보험]**\n1. **[한화손보, ‘해외 자회사 1호’ 리포손보 실적 고공행진](https://www.fetv.co.kr/news/article.html?no=215437)** — 첫 해외 자회사인 인도네시아 리포손해보험의 순이익이 전년 대비 크게 증가하며 우수한 재무적 성과를 기록하고 있습니다.\n2. **[인도네시아 리포보험 품은 한화손보, '법적 리스크' 첫 관문 넘었다…상...](http://www.press9.kr/news/articleView.html?idxno=73985)** — 인도네시아 리포일반보험 경영권 확보 직후 불거졌던 현지 보험금 청구 소송이 각하되며 사법 리스크를 성공적으로 해소했습니다.\n\n**[삼성생명]**\n1. **[DB손보, 얼라인 發 감사위원 선임…자본 규제 속 주주환원 압박 가시화](https://www.kfenews.co.kr/news/articleView.html?idxno=655968)** — 킥스(K-ICS) 등 자본 규제로 인해 배당 여력이 제한적인 상황에서 삼성생명을 비롯한 주요 상장 보험사들에 대한 주주환원 확대 압박이 커지고 있습니다.\n2. **[더 세진 국민연금·자문사 입김...'주주권익' '지배구조'에 재계 긴장](https://www.insightkorea.co.kr/news/articleView.html?idxno=243350)** — 글로벌 의결권 자문사 글래스루이스가 사외이사 후보자의 소속 법무법인과 그룹 간의 거래 내역을 지적하며 이사회 독립성 훼손 우려를 제기했습니다.\n\n**[삼성화재]**\n1. **[삼성화재, 상법 개정 맞춰 지배구조 정비⋯독립이사 체계 반영](https://www.etoday.co.kr/news/view/2568742)** — 정기 주주총회 시즌과 상법 개정에 발맞춰 독립이사 체계를 반영하는 등 이사회 지배구조와 내부통제 규정을 새롭게 정비하고 있습니다.\n2. **[보험료 올려도 적자 지속…車보험 지난달 손해율 86.7%](https://www.g-enews.com/view.php?ud=202603241606409377e30fcb1ba8_1)** — 자동차보험료 인상에도 불구하고 주요 대형 손해보험사들의 손해율이 손익분기점을 상회하는 86%대를 기록하며 적자 구조가 고착화될 우려가 제기됩니다.\n\n**[교보생명]**\n1. **[교보생명, 안철경 전 보험연구원장 사외이사로 영입](https://news.einfomax.co.kr/news/articleView.html?idxno=4405629)** — 보험 정책 및 제도 전문가인 안철경 전 보험연구원장을 사외이사 겸 감사위원으로 영입해 이사회의 전문성을 높이고 경영진 견제 기능을 강화합니다.\n2. **['4연임' 김문석 SBI저축은행 대표…교보생명과 시너지 주목](https://www.insightkorea.co.kr/news/articleView.html?idxno=243353)** — 자회사로 편입된 SBI저축은행의 대표가 연임에 성공함에 따라 경영 연속성을 확보하고 교보생명과의 금융 사업 시너지 창출에 집중할 전망입니다.\n\n**[공통]**\n1. **[美 사모대출펀드 '환매 러시' 지속…국내 금융시장 긴장](https://www.newsis.com/view/NISX20260324_0003561250)** — 미국발 사모대출펀드 환매 러시가 이어지면서 사모신용투자를 자산군으로 편입해 운용 중인 국내 주요 보험사들의 자본건전성에 대한 긴장감이 고조되고 있습니다.\n2. **[\"중동 사태 장기화에 전쟁위험보험료 급등\"…보험사, 손해율 악화 우려](http://www.economytalk.kr/news/articleView.html?idxno=419401)** — 중동 분쟁 장기화로 선박보험의 전쟁위험담보 특약이 취소되고 새로운 계약 체결이 강제되면서 재물보험을 취급하는 보험사들의 손해율 악화가 우려됩니다.\n3. **[금감원, 변액보험 암행 평가…신한·KB \"상품설명 부족해 '미흡'\"](https://www.thepublic.kr/news/articleView.html?idxno=298539)** — 금융감독원의 미스터리쇼핑 결과, 생명보험사들이 변액보험을 판매할 때 자산 운용 방식과 위법 계약 해지권에 대한 설명이 미흡한 것으로 나타나 시정이 요구됩니다.\n\n\n============================================================\n이 리포트는 자동으로 생성되었습니다.\n생성 시간: 2026-03-24 08:28:11\n============================================================"
}