{
  "schema": 1,
  "date": "2026-10-17",
  "generated_at": "2026-10-17T00:32:15+00:00",
  "notice": "공개 통계에 사전에 정한 규칙을 적용한 결과다. 투자 판단이나 권유가 아니다.",
  "attribution": [
    "Source: FRED®, Federal Reserve Bank of St. Louis (https://fred.stlouisfed.org/).",
    "The SOFR data is subject to the Terms of Use posted at newyorkfed.org. The New York Fed is not responsible for publication of the SOFR data by macro-regime-check (github.com/yun-macrolab), does not sanction or endorse any particular republication, and has no liability for your use.",
    "The Secured Overnight Financing Rate (SOFR) Data and Broad General Collateral Rate (BGCR) Data are calculated using data provided under a license granted to the New York Fed by DTCC Solutions LLC (“Solutions”), an affiliate of The Depository Trust & Clearing Corporation. Solutions, its affiliates, and third parties from which they obtained data have no liability for the content of this material.",
    "© 2026 Federal Reserve Bank of New York. Content from the New York Fed subject to the Terms of Use at newyorkfed.org.",
    "전년비·3개월 변화·상관·비율은 이 저장소 코드가 원자료로 계산한 값이다.",
    "macro-regime-check (github.com/yun-macrolab) is not affiliated with the New York Fed. The New York Fed does not sanction, endorse, or recommend any products or services offered by macro-regime-check (github.com/yun-macrolab). It is not sponsored by, affiliated with, or endorsed by the Federal Reserve Bank of St. Louis or FRED®.",
    "코드는 MIT 라이선스지만 자료(FRED·뉴욕 연은 등)는 그 대상이 아니다 — 각 출처의 이용 조건을 따른다. SOFR·프라이머리 딜러 통계는 newyorkfed.org 이용약관, 나머지는 FRED 이용약관과 시리즈별 저작권 표시."
  ],
  "summary": {
    "total": 13,
    "met": 1,
    "not_met": 12,
    "unknown": 0
  },
  "rules": [
    {
      "key": "ci_vs_ngdp",
      "title": "기업대출 증가율 대 명목 성장률",
      "rule": "C&I 대출 전년비가 명목GDP 전년비보다 낮으면 충족",
      "status": "not_met",
      "observations": [
        {
          "label": "C&I 대출 전년비",
          "unit": "%",
          "series": [
            "BUSLOANS"
          ],
          "derived": false,
          "computed": true,
          "value": 9.975,
          "asof": "2026-09-01"
        },
        {
          "label": "명목GDP 전년비",
          "unit": "%",
          "series": [
            "GDP"
          ],
          "derived": false,
          "computed": true,
          "value": 6.31,
          "asof": "2026-04-01"
        }
      ],
      "restricted_series": [],
      "notices": []
    },
    {
      "key": "ndfi_credit",
      "title": "은행의 비은행 금융기관 대출",
      "rule": "전년비(재분류로 보이는 주간 +40십억달러 이상 증가 계단 제외)가 10% 미만이면 충족",
      "status": "not_met",
      "observations": [
        {
          "label": "NDFI 대출 전년비(계단 제외)",
          "unit": "%",
          "series": [
            "LNFACBW027SBOG"
          ],
          "derived": false,
          "computed": true,
          "value": 19.967,
          "asof": "2026-10-07"
        },
        {
          "label": "총대출 중 비중",
          "unit": "%",
          "series": [
            "LNFACBW027SBOG",
            "TOTLL"
          ],
          "derived": false,
          "computed": true,
          "value": 14.793,
          "asof": "2026-10-07"
        }
      ],
      "restricted_series": [],
      "notices": []
    },
    {
      "key": "credit_spread",
      "title": "신용 스프레드",
      "rule": "Baa−10년 스프레드가 12개월 저점보다 0.4%p 이상 넓어지거나 HY OAS가 4.61%p를 넘으면 충족",
      "status": "not_met",
      "observations": [],
      "restricted_series": [
        {
          "series": "BAA10Y",
          "owner": "Moody's",
          "url": "https://fred.stlouisfed.org/series/BAA10Y"
        },
        {
          "series": "BAMLH0A0HYM2",
          "owner": "ICE Data Indices",
          "url": "https://fred.stlouisfed.org/series/BAMLH0A0HYM2"
        }
      ],
      "notices": []
    },
    {
      "key": "stock_bond_corr",
      "title": "주가-금리 60영업일 상관",
      "rule": "S&P500 일간 수익률과 미 10년 금리 일간 변화의 60영업일 상관이 126영업일 이상 계속 양(+)이면 충족",
      "status": "not_met",
      "observations": [
        {
          "label": "60영업일 상관",
          "unit": "",
          "series": [
            "SP500",
            "DGS10"
          ],
          "derived": true,
          "computed": true,
          "value": -0.45,
          "asof": "2026-10-15"
        },
        {
          "label": "같은 부호 연속",
          "unit": "영업일",
          "series": [
            "SP500",
            "DGS10"
          ],
          "derived": true,
          "computed": true,
          "value": 146,
          "asof": "2026-10-15"
        }
      ],
      "restricted_series": [],
      "notices": []
    },
    {
      "key": "curve_inversion",
      "title": "10년−2년 금리차",
      "rule": "10년−2년 금리차가 0보다 작으면 충족",
      "status": "not_met",
      "observations": [
        {
          "label": "10년−2년",
          "unit": "%p",
          "series": [
            "T10Y2Y"
          ],
          "derived": false,
          "computed": false,
          "value": 0.35,
          "asof": "2026-10-16"
        }
      ],
      "restricted_series": [],
      "notices": []
    },
    {
      "key": "real_rate_bei",
      "title": "실질금리와 기대인플레이션",
      "rule": "10년 실질금리가 2% 미만이고 10년 BEI가 3개월 전보다 높으면 충족",
      "status": "not_met",
      "observations": [
        {
          "label": "10년 실질금리",
          "unit": "%",
          "series": [
            "DFII10"
          ],
          "derived": false,
          "computed": false,
          "value": 2.78,
          "asof": "2026-10-15"
        },
        {
          "label": "10년 BEI",
          "unit": "%",
          "series": [
            "T10YIE"
          ],
          "derived": false,
          "computed": false,
          "value": 2.35,
          "asof": "2026-10-16"
        },
        {
          "label": "BEI 3개월 변화",
          "unit": "%p",
          "series": [
            "T10YIE"
          ],
          "derived": false,
          "computed": true,
          "value": 0.11,
          "asof": "2026-10-16"
        }
      ],
      "restricted_series": [],
      "notices": []
    },
    {
      "key": "core_inflation",
      "title": "근원 물가",
      "rule": "근원 PCE 전년비가 3% 이하이면 충족 (근원 CPI는 참고)",
      "status": "not_met",
      "observations": [
        {
          "label": "근원 PCE 전년비",
          "unit": "%",
          "series": [
            "PCEPILFE"
          ],
          "derived": false,
          "computed": true,
          "value": 3.008,
          "asof": "2026-08-01"
        },
        {
          "label": "근원 CPI 전년비",
          "unit": "%",
          "series": [
            "CPILFESL"
          ],
          "derived": false,
          "computed": true,
          "value": 2.566,
          "asof": "2026-09-01"
        }
      ],
      "restricted_series": [],
      "notices": []
    },
    {
      "key": "term_premium",
      "title": "10년 기간 프리미엄",
      "rule": "10년 기간 프리미엄(Kim-Wright)이 3개월 전보다 0.25%p 이상 낮아지면 충족",
      "status": "not_met",
      "observations": [
        {
          "label": "기간 프리미엄",
          "unit": "%",
          "series": [
            "THREEFYTP10"
          ],
          "derived": false,
          "computed": false,
          "value": 1.073,
          "asof": "2026-10-09"
        },
        {
          "label": "3개월 변화",
          "unit": "%p",
          "series": [
            "THREEFYTP10"
          ],
          "derived": false,
          "computed": true,
          "value": 0.294,
          "asof": "2026-10-09"
        }
      ],
      "restricted_series": [],
      "notices": []
    },
    {
      "key": "sofr",
      "title": "단기 조달금리 SOFR",
      "rule": "SOFR이 3개월 전보다 0.25%p 이상 높아지면 충족",
      "status": "met",
      "observations": [
        {
          "label": "SOFR",
          "unit": "%",
          "series": [
            "SOFR"
          ],
          "derived": false,
          "computed": false,
          "value": 3.89,
          "asof": "2026-10-15"
        },
        {
          "label": "3개월 변화",
          "unit": "%p",
          "series": [
            "SOFR"
          ],
          "derived": false,
          "computed": true,
          "value": 0.27,
          "asof": "2026-10-15"
        }
      ],
      "restricted_series": [],
      "notices": [
        "SOFR 3개월 변화는 macro-regime-check가 뉴욕 연은 SOFR 일별 자료(FRED 경유)로 계산한 값이다. 뉴욕 연은이 발표한 값이 아니다.",
        "The SOFR 3-month change is computed by macro-regime-check from SOFR data (via FRED); it is not published by the New York Fed.",
        "The SOFR data is subject to the Terms of Use posted at newyorkfed.org. The New York Fed is not responsible for publication of the SOFR data by macro-regime-check (github.com/yun-macrolab), does not sanction or endorse any particular republication, and has no liability for your use.",
        "The Secured Overnight Financing Rate (SOFR) Data and Broad General Collateral Rate (BGCR) Data are calculated using data provided under a license granted to the New York Fed by DTCC Solutions LLC (“Solutions”), an affiliate of The Depository Trust & Clearing Corporation. Solutions, its affiliates, and third parties from which they obtained data have no liability for the content of this material.",
        "© 2026 Federal Reserve Bank of New York. Content from the New York Fed subject to the Terms of Use at newyorkfed.org.",
        "macro-regime-check (github.com/yun-macrolab) is not affiliated with the New York Fed. The New York Fed does not sanction, endorse, or recommend any products or services offered by macro-regime-check (github.com/yun-macrolab). It is not sponsored by, affiliated with, or endorsed by the Federal Reserve Bank of St. Louis or FRED®."
      ]
    },
    {
      "key": "reserves_multiplier",
      "title": "지준과 통화승수",
      "rule": "지준/명목GDP가 9% 미만이거나, 3개월 새 0.3%p 이상 늘고 근원 PCE 전년비가 2%를 넘으면 충족",
      "status": "not_met",
      "observations": [
        {
          "label": "지준/명목GDP",
          "unit": "%",
          "series": [
            "WRESBAL",
            "GDP"
          ],
          "derived": false,
          "computed": true,
          "value": 9.281,
          "asof": "2026-10-14"
        },
        {
          "label": "3개월 변화",
          "unit": "%p",
          "series": [
            "WRESBAL",
            "GDP"
          ],
          "derived": false,
          "computed": true,
          "value": -0.37,
          "asof": "2026-10-14"
        },
        {
          "label": "통화승수(M2/본원통화)",
          "unit": "배",
          "series": [
            "M2SL",
            "BOGMBASE"
          ],
          "derived": false,
          "computed": true,
          "value": 4.313,
          "asof": "2026-08-01"
        }
      ],
      "restricted_series": [],
      "notices": []
    },
    {
      "key": "employment",
      "title": "미 증권·투자업 고용",
      "rule": "고용 전년비가 0보다 작으면 충족",
      "status": "not_met",
      "observations": [
        {
          "label": "고용 전년비",
          "unit": "%",
          "series": [
            "CES5552300001"
          ],
          "derived": false,
          "computed": true,
          "value": 2.372,
          "asof": "2026-09-01"
        }
      ],
      "restricted_series": [],
      "notices": []
    },
    {
      "key": "core_momentum",
      "title": "근원 물가의 최근 속도",
      "rule": "근원 PCE 6개월 연율이 전년비보다 0.5%p 이상 높으면 충족 (기준 달이 빠진 구간은 계산하지 않음)",
      "status": "not_met",
      "observations": [
        {
          "label": "근원 PCE 6개월 연율",
          "unit": "%",
          "series": [
            "PCEPILFE"
          ],
          "derived": false,
          "computed": true,
          "value": 2.744,
          "asof": "2026-08-01"
        },
        {
          "label": "근원 PCE 전년비",
          "unit": "%",
          "series": [
            "PCEPILFE"
          ],
          "derived": false,
          "computed": true,
          "value": 3.008,
          "asof": "2026-08-01"
        },
        {
          "label": "차이(6개월 연율 − 전년비)",
          "unit": "%p",
          "series": [
            "PCEPILFE"
          ],
          "derived": false,
          "computed": true,
          "value": -0.263,
          "asof": "2026-08-01"
        }
      ],
      "restricted_series": [],
      "notices": []
    },
    {
      "key": "unemployment_rise",
      "title": "실업률 상승 폭",
      "rule": "실업률 3개월 평균이 직전 12개월 중 가장 낮은 3개월 평균보다 0.5%p 이상 높으면 충족 (빠진 달이 낀 평균은 2개월로 계산)",
      "status": "not_met",
      "observations": [
        {
          "label": "상승 폭(3개월 평균 − 직전 12개월 최저)",
          "unit": "%p",
          "series": [
            "UNRATE"
          ],
          "derived": false,
          "computed": true,
          "value": 0.0,
          "asof": "2026-09-01"
        },
        {
          "label": "실업률 3개월 평균",
          "unit": "%",
          "series": [
            "UNRATE"
          ],
          "derived": false,
          "computed": true,
          "value": 4.133,
          "asof": "2026-09-01"
        },
        {
          "label": "직전 12개월 최저 3개월 평균",
          "unit": "%",
          "series": [
            "UNRATE"
          ],
          "derived": false,
          "computed": true,
          "value": 4.133,
          "asof": "2026-08-01"
        }
      ],
      "restricted_series": [],
      "notices": []
    }
  ],
  "data_health": [
    {
      "series": "M2SL",
      "label": "M2",
      "owner": "FRB",
      "url": "https://fred.stlouisfed.org/series/M2SL",
      "last": "2026-08-01",
      "age_days": 77,
      "fetched": "net",
      "stale": false,
      "display": "value",
      "citation": "Board of Governors of the Federal Reserve System (US), M2 [M2SL], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/M2SL, October 17, 2026."
    },
    {
      "series": "BOGMBASE",
      "label": "본원통화",
      "owner": "FRB",
      "url": "https://fred.stlouisfed.org/series/BOGMBASE",
      "last": "2026-08-01",
      "age_days": 77,
      "fetched": "net",
      "stale": false,
      "display": "value",
      "citation": "Board of Governors of the Federal Reserve System (US), Monetary Base: Total [BOGMBASE], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/BOGMBASE, October 17, 2026."
    },
    {
      "series": "M2V",
      "label": "M2 유통속도",
      "owner": "FRB St. Louis",
      "url": "https://fred.stlouisfed.org/series/M2V",
      "last": "2026-04-01",
      "age_days": 199,
      "fetched": "net",
      "stale": false,
      "display": "value",
      "citation": "Federal Reserve Bank of St. Louis, Velocity of M2 Money Stock [M2V], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/M2V, October 17, 2026."
    },
    {
      "series": "WRESBAL",
      "label": "지준 잔액",
      "owner": "FRB",
      "url": "https://fred.stlouisfed.org/series/WRESBAL",
      "last": "2026-10-14",
      "age_days": 3,
      "fetched": "net",
      "stale": false,
      "display": "value",
      "citation": "Board of Governors of the Federal Reserve System (US), Liabilities and Capital: Other Factors Draining Reserve Balances: Reserve Balances with Federal Reserve Banks: Week Average [WRESBAL], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/WRESBAL, October 17, 2026."
    },
    {
      "series": "GDP",
      "label": "명목GDP",
      "owner": "BEA",
      "url": "https://fred.stlouisfed.org/series/GDP",
      "last": "2026-04-01",
      "age_days": 199,
      "fetched": "net",
      "stale": false,
      "display": "value",
      "citation": "U.S. Bureau of Economic Analysis, Gross Domestic Product [GDP], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/GDP, October 17, 2026."
    },
    {
      "series": "LNFACBW027SBOG",
      "label": "은행의 비은행금융(NDFI) 대출",
      "owner": "FRB",
      "url": "https://fred.stlouisfed.org/series/LNFACBW027SBOG",
      "last": "2026-10-07",
      "age_days": 10,
      "fetched": "net",
      "stale": false,
      "display": "value",
      "citation": "Board of Governors of the Federal Reserve System (US), Other Loans and Leases: All Other Loans and Leases: Loans to Nondepository Financial Institutions, All Commercial Banks [LNFACBW027SBOG], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/LNFACBW027SBOG, October 17, 2026."
    },
    {
      "series": "TOTLL",
      "label": "은행 총대출",
      "owner": "FRB",
      "url": "https://fred.stlouisfed.org/series/TOTLL",
      "last": "2026-10-07",
      "age_days": 10,
      "fetched": "net",
      "stale": false,
      "display": "value",
      "citation": "Board of Governors of the Federal Reserve System (US), Loans and Leases in Bank Credit, All Commercial Banks [TOTLL], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/TOTLL, October 17, 2026."
    },
    {
      "series": "BUSLOANS",
      "label": "C&I 대출",
      "owner": "FRB",
      "url": "https://fred.stlouisfed.org/series/BUSLOANS",
      "last": "2026-09-01",
      "age_days": 46,
      "fetched": "net",
      "stale": false,
      "display": "value",
      "citation": "Board of Governors of the Federal Reserve System (US), Commercial and Industrial Loans, All Commercial Banks [BUSLOANS], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/BUSLOANS, October 17, 2026."
    },
    {
      "series": "THREEFYTP10",
      "label": "10년 기간 프리미엄(Kim-Wright)",
      "owner": "FRB (Kim-Wright)",
      "url": "https://fred.stlouisfed.org/series/THREEFYTP10",
      "last": "2026-10-09",
      "age_days": 8,
      "fetched": "net",
      "stale": false,
      "display": "value",
      "citation": "Board of Governors of the Federal Reserve System (US), Term Premium on a 10 Year Zero Coupon Bond [THREEFYTP10], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/THREEFYTP10, October 17, 2026."
    },
    {
      "series": "BAA10Y",
      "label": "Baa−10년 스프레드",
      "owner": "Moody's",
      "url": "https://fred.stlouisfed.org/series/BAA10Y",
      "last": "2026-10-15",
      "age_days": 2,
      "fetched": "net",
      "stale": false,
      "display": "status_only",
      "citation": "Federal Reserve Bank of St. Louis, Moody's Seasoned Baa Corporate Bond Yield Relative to Yield on 10-Year Treasury Constant Maturity [BAA10Y], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/BAA10Y, October 17, 2026."
    },
    {
      "series": "BAMLH0A0HYM2",
      "label": "HY OAS",
      "owner": "ICE Data Indices",
      "url": "https://fred.stlouisfed.org/series/BAMLH0A0HYM2",
      "last": "2026-10-15",
      "age_days": 2,
      "fetched": "net",
      "stale": false,
      "display": "status_only",
      "citation": "Ice Data Indices, LLC, ICE BofA US High Yield Index Option-Adjusted Spread [BAMLH0A0HYM2], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/BAMLH0A0HYM2, October 17, 2026."
    },
    {
      "series": "BAMLC0A0CM",
      "label": "IG OAS",
      "owner": "ICE Data Indices",
      "url": "https://fred.stlouisfed.org/series/BAMLC0A0CM",
      "last": "2026-10-15",
      "age_days": 2,
      "fetched": "net",
      "stale": false,
      "display": "status_only",
      "citation": "Ice Data Indices, LLC, ICE BofA US Corporate Index Option-Adjusted Spread [BAMLC0A0CM], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/BAMLC0A0CM, October 17, 2026."
    },
    {
      "series": "SP500",
      "label": "S&P500",
      "owner": "S&P Dow Jones Indices",
      "url": "https://fred.stlouisfed.org/series/SP500",
      "last": "2026-10-16",
      "age_days": 1,
      "fetched": "net",
      "stale": false,
      "display": "status_only",
      "citation": "S&P Dow Jones Indices LLC, S&P 500 [SP500], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/SP500, October 17, 2026."
    },
    {
      "series": "DGS10",
      "label": "미 10년",
      "owner": "FRB",
      "url": "https://fred.stlouisfed.org/series/DGS10",
      "last": "2026-10-15",
      "age_days": 2,
      "fetched": "net",
      "stale": false,
      "display": "value",
      "citation": "Board of Governors of the Federal Reserve System (US), Market Yield on U.S. Treasury Securities at 10-Year Constant Maturity, Quoted on an Investment Basis [DGS10], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/DGS10, October 17, 2026."
    },
    {
      "series": "T10Y2Y",
      "label": "10년−2년",
      "owner": "FRB St. Louis",
      "url": "https://fred.stlouisfed.org/series/T10Y2Y",
      "last": "2026-10-16",
      "age_days": 1,
      "fetched": "net",
      "stale": false,
      "display": "value",
      "citation": "Federal Reserve Bank of St. Louis, 10-Year Treasury Constant Maturity Minus 2-Year Treasury Constant Maturity [T10Y2Y], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/T10Y2Y, October 17, 2026."
    },
    {
      "series": "DFII10",
      "label": "10년 실질",
      "owner": "FRB",
      "url": "https://fred.stlouisfed.org/series/DFII10",
      "last": "2026-10-15",
      "age_days": 2,
      "fetched": "net",
      "stale": false,
      "display": "value",
      "citation": "Board of Governors of the Federal Reserve System (US), Market Yield on U.S. Treasury Securities at 10-Year Constant Maturity, Quoted on an Investment Basis, Inflation-Indexed [DFII10], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/DFII10, October 17, 2026."
    },
    {
      "series": "T10YIE",
      "label": "10년 BEI",
      "owner": "FRB St. Louis",
      "url": "https://fred.stlouisfed.org/series/T10YIE",
      "last": "2026-10-16",
      "age_days": 1,
      "fetched": "net",
      "stale": false,
      "display": "value",
      "citation": "Federal Reserve Bank of St. Louis, 10-Year Breakeven Inflation Rate [T10YIE], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/T10YIE, October 17, 2026."
    },
    {
      "series": "PCEPILFE",
      "label": "근원 PCE 물가",
      "owner": "BEA",
      "url": "https://fred.stlouisfed.org/series/PCEPILFE",
      "last": "2026-08-01",
      "age_days": 77,
      "fetched": "net",
      "stale": false,
      "display": "value",
      "citation": "U.S. Bureau of Economic Analysis, Personal Consumption Expenditures Excluding Food and Energy (Chain-Type Price Index) [PCEPILFE], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/PCEPILFE, October 17, 2026."
    },
    {
      "series": "CPILFESL",
      "label": "근원 CPI",
      "owner": "BLS",
      "url": "https://fred.stlouisfed.org/series/CPILFESL",
      "last": "2026-09-01",
      "age_days": 46,
      "fetched": "net",
      "stale": false,
      "display": "value",
      "citation": "U.S. Bureau of Labor Statistics, Consumer Price Index for All Urban Consumers: All Items Less Food and Energy in U.S. City Average [CPILFESL], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/CPILFESL, October 17, 2026."
    },
    {
      "series": "SOFR",
      "label": "SOFR",
      "owner": "FRBNY",
      "url": "https://fred.stlouisfed.org/series/SOFR",
      "last": "2026-10-15",
      "age_days": 2,
      "fetched": "net",
      "stale": false,
      "display": "value",
      "citation": "Federal Reserve Bank of New York, Secured Overnight Financing Rate [SOFR], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/SOFR, October 17, 2026."
    },
    {
      "series": "DEXKOUS",
      "label": "원/달러",
      "owner": "FRB",
      "url": "https://fred.stlouisfed.org/series/DEXKOUS",
      "last": "2026-10-09",
      "age_days": 8,
      "fetched": "net",
      "stale": false,
      "display": "value",
      "citation": "Board of Governors of the Federal Reserve System (US), South Korean Won to U.S. Dollar Spot Exchange Rate [DEXKOUS], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/DEXKOUS, October 17, 2026."
    },
    {
      "series": "CES5552300001",
      "label": "미 증권·투자업 고용",
      "owner": "BLS",
      "url": "https://fred.stlouisfed.org/series/CES5552300001",
      "last": "2026-09-01",
      "age_days": 46,
      "fetched": "net",
      "stale": false,
      "display": "value",
      "citation": "U.S. Bureau of Labor Statistics, All Employees, Securities, Commodity Contracts, Funds, Trusts, and Other Financial Vehicles, Investments, and Related Activities [CES5552300001], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/CES5552300001, October 17, 2026."
    },
    {
      "series": "UNRATE",
      "label": "실업률",
      "owner": "BLS",
      "url": "https://fred.stlouisfed.org/series/UNRATE",
      "last": "2026-09-01",
      "age_days": 46,
      "fetched": "net",
      "stale": false,
      "display": "value",
      "citation": "U.S. Bureau of Labor Statistics, Unemployment Rate [UNRATE], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/UNRATE, October 17, 2026."
    }
  ],
  "warnings": [
    "근원 CPI 결측월 2025-10 — 그 달이 기준치가 되는 12개월 뒤 YoY는 산출 불가(None)로 둔다. BLS 대체입력 탓에 결측 이후 값도 편의가 있을 수 있음",
    "실업률 결측월 2025-10 — 그 달이 낀 3개월 평균은 남은 2개월로 계산한다. 값은 현재 개정치라 첫 발표 당시와 다를 수 있음"
  ]
}