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💰금융·가계·자산관리

Personal finance·assets

채점 권위: ★ 1인 자영업자 본인 (CommanderOS 운영자·소득 변동·DSR·실손 가입자 경험)

외피 — 산업 도메인
금융·가계·자산관리 (예금보호·연말정산·DSR·신용·실손)
내용 — 측정하는 AI 능력
  • · 한국 금융 K-fact (예금자보호 1억·DSR·신용점수·실손 세대)
  • · 다단 세제·요율 계산 (연말정산·IRP·세액공제)
  • · 시점 인식 (2025-09 예금보호 / 2025-07 DSR3단계 / 2026-05 5세대 실손)

모델별 종합 점수

✓ 챗봇 1턴

측정일 2026-06-05T02:40:52+00:00 · 5개 항목 × 100점 기준

채점자 editor · max_tokens 32768 · temp 0.7 · attempts 3 · reasoning_effort medium

모델
1OpenAIGPT-5.5
5/5949292939293.0
2ClaudeClaude Opus 4.8
5/5929390929191.0
3OpenAIGPT-5.4 Mini
5/5878889848786.0
4Google GeminiGemini 3.1 Pro
5/5848882848885.0
5ClaudeClaude Sonnet 4.6
5/5808885799083.0
6Google GeminiGemini 3.5 Flash
5/5828881818983.0
7Google GeminiGemma 4 26B A4B
5/5768574748277.0
8Google GeminiGemma 4 31B
5/5758475748477.0
9DeepSeekDeepSeek V4 Pro
5/5708773698875.0
10Google GeminiGemma 4 12B
5/5728072728374.4
11Google GeminiGemini 3.1 Flash Lite
5/5678167648170.0
12QWenQwen 3.7 Max
5/5648465628570.0
13xAIGrok 4.3
5/5638066628168.0
14MiniMaxMiniMax M3
5/5518583479267.6
15DeepSeekDeepSeek V4 Flash
5/5578058537863.0
16StepFunStep 3.7 Flash
5/5518655498862.2
17QWenQwen 3.7 Plus
5/5587556538262.2
18Solar Pro 3
5/5597059577462.0
19QWenQwen 3.6 27B
5/5468272368759.8
20XiaomiMimo V2.5 Pro
5/5527851498359.0
21GLM 5.1
5/5467947458556.0
22NVIDIANemotron 3 Ultra 550B
5/5466249448654.0
23Moonshot AIKimi K2.6
5/5407643398152.0
24NaverHyperCLOVAX SEED Think 32B
5/5406844447651.6
25QWenQwen 3.5 9B
5/5386548307647.6
26QWenQwen 3.6 35B A3B
5/5347335317645.0
27LG AIEXAONE 4.5 33B
5/5346139317344.0
28KakaoKanana 2 30B-A3B Thinking
5/5345242346643.2
29Google GeminiGemma 4 E2B
5/5384836354639.2
30Mistral AIMistral Small 4
5/5266726217037.0
31NaverHyperCLOVAX SEED 1.5B
5/5223722183625.2
32Liquid AILFM2.5 8B-A1B
5/5213921153824.4

문항별 점수

5 문항

각 문항당 모델 세부 점수. 응답 원문·근거는 문항 카드 우측 링크.

금융·가계·자산관리 · 문항 1예금자보호 1억 시대 분산예치 (2025-09-01 상향)공개

예금자보호 1억 (4억 분산)

본문·raw·근거 →
모델
정확성의도 파악신중함한국 맥락짜임새avg
GPT-5.5OpenAI
959292959294
Claude Opus 4.8Anthropic
929288929291
GPT-5.4 MiniOpenAI
928890928890
Gemini 3.1 ProGoogle
588558608567
Claude Sonnet 4.6Anthropic
758585808882
Gemini 3.5 FlashGoogle
588860628869
Gemma 4 26B A4BGoogle
608560628268
Gemma 4 31BGoogle
608562628568
DeepSeek V4 ProDeepSeek
788885828884
Gemma 4 12BGoogle
647860628267
Gemini 3.1 Flash LiteGoogle
558055558062
Qwen 3.7 MaxAlibaba
588860628869
Grok 4.3xAI
558258588265
MiniMax M3Minimax
628582609273
DeepSeek V4 FlashDeepSeek
558060557563
Step 3.7 FlashStepFun
588862588868
Qwen 3.7 PlusAlibaba
467030388049
Solar Pro 3Upstage
707865628069
Qwen 3.6 27BAlibaba
357872328555
Mimo V2.5 ProXiaomi
608258658268
GLM 5.1Z.ai
558055588564
Nemotron 3 Ultra 550BNVIDIA
405530388546
Kimi K2.6Moonshot
508550588563
HyperCLOVAX SEED Think 32BNaver
608060608066
Qwen 3.5 9BAlibaba
356850227846
Qwen 3.6 35B A3BAlibaba
558560608266
EXAONE 4.5 33BLG AI
205020157030
Kanana 2 30B-A3B ThinkingKakao
104020106024
Gemma 4 E2BGoogle
193619133622
Mistral Small 4Mistral
357235307245
HyperCLOVAX SEED 1.5BNaver
193619133622
LFM2.5 8B-A1BLiquid AI
16421784422
금융·가계·자산관리 · 문항 2연말정산 IRP·연금저축·월세·의료비 종합 (1인 자영업자)비공개

연말정산 IRP 900만 + 월세 8천 한도

본문·raw·근거 →
모델
정확성의도 파악신중함한국 맥락짜임새avg
GPT-5.5OpenAI
959292929293
Claude Opus 4.8Anthropic
929392909091
GPT-5.4 MiniOpenAI
888888828886
Gemini 3.1 ProGoogle
928890928890
Claude Sonnet 4.6Anthropic
808882759082
Gemini 3.5 FlashGoogle
808578758880
Gemma 4 26B A4BGoogle
828580808281
Gemma 4 31BGoogle
828582808582
DeepSeek V4 ProDeepSeek
508550508861
Gemma 4 12BGoogle
828484808482
Gemini 3.1 Flash LiteGoogle
758075707875
Qwen 3.7 MaxAlibaba
658565608570
Grok 4.3xAI
508055508060
MiniMax M3Minimax
358275309257
DeepSeek V4 FlashDeepSeek
608060557864
Step 3.7 FlashStepFun
408245388854
Qwen 3.7 PlusAlibaba
628070588468
Solar Pro 3Upstage
607262588065
Qwen 3.6 27BAlibaba
408070228854
Mimo V2.5 ProXiaomi
508050508560
GLM 5.1Z.ai
458050508859
Nemotron 3 Ultra 550BNVIDIA
355045328245
Kimi K2.6Moonshot
357540358049
HyperCLOVAX SEED Think 32BNaver
206040408045
Qwen 3.5 9BAlibaba
285538207539
Qwen 3.6 35B A3BAlibaba
307030257040
EXAONE 4.5 33BLG AI
205525207034
Kanana 2 30B-A3B ThinkingKakao
455250457251
Gemma 4 E2BGoogle
586156585958
Mistral Small 4Mistral
257025207037
HyperCLOVAX SEED 1.5BNaver
264025233829
LFM2.5 8B-A1BLiquid AI
213721163724
금융·가계·자산관리 · 문항 3스트레스 DSR 3단계 (2025-07-01) + 자영업자 LTV비공개

스트레스 DSR 3단계 1.5% + 디딤돌·보금자리

본문·raw·근거 →
모델
정확성의도 파악신중함한국 맥락짜임새avg
GPT-5.5OpenAI
959292959294
Claude Opus 4.8Anthropic
929390949292
GPT-5.4 MiniOpenAI
889090858888
Gemini 3.1 ProGoogle
858885888887
Claude Sonnet 4.6Anthropic
889090889289
Gemini 3.5 FlashGoogle
929090929091
Gemma 4 26B A4BGoogle
788578758279
Gemma 4 31BGoogle
828582808582
DeepSeek V4 ProDeepSeek
758578758879
Gemma 4 12BGoogle
788280808280
Gemini 3.1 Flash LiteGoogle
808580788581
Qwen 3.7 MaxAlibaba
558055508562
Grok 4.3xAI
708072708274
MiniMax M3Minimax
488585459267
DeepSeek V4 FlashDeepSeek
558055507861
Step 3.7 FlashStepFun
508852488861
Qwen 3.7 PlusAlibaba
728482708477
Solar Pro 3Upstage
687260687868
Qwen 3.6 27BAlibaba
388060228551
Mimo V2.5 ProXiaomi
507850458558
GLM 5.1Z.ai
458045408555
Nemotron 3 Ultra 550BNVIDIA
608072558868
Kimi K2.6Moonshot
407540358050
HyperCLOVAX SEED Think 32BNaver
408040408052
Qwen 3.5 9BAlibaba
386555307248
Qwen 3.6 35B A3BAlibaba
257025207538
EXAONE 4.5 33BLG AI
356542327546
Kanana 2 30B-A3B ThinkingKakao
426548427251
Gemma 4 E2BGoogle
344632314436
Mistral Small 4Mistral
256525207036
HyperCLOVAX SEED 1.5BNaver
203620173624
LFM2.5 8B-A1BLiquid AI
173417103420
금융·가계·자산관리 · 문항 4신용점수 NICE·KCB 가중치 차이 + 연체 임계비공개

신용점수 10만+5영업일 임계

본문·raw·근거 →
모델
정확성의도 파악신중함한국 맥락짜임새avg
GPT-5.5OpenAI
929092929091
Claude Opus 4.8Anthropic
929390929091
GPT-5.4 MiniOpenAI
888890858587
Gemini 3.1 ProGoogle
929090908890
Claude Sonnet 4.6Anthropic
758880729079
Gemini 3.5 FlashGoogle
908888888888
Gemma 4 26B A4BGoogle
828578788280
Gemma 4 31BGoogle
828580788581
DeepSeek V4 ProDeepSeek
608565558867
Gemma 4 12BGoogle
707874708474
Gemini 3.1 Flash LiteGoogle
728570688274
Qwen 3.7 MaxAlibaba
888888888588
Grok 4.3xAI
788278758278
MiniMax M3Minimax
558885529271
DeepSeek V4 FlashDeepSeek
558055508061
Step 3.7 FlashStepFun
708875688876
Qwen 3.7 PlusAlibaba
668064648470
Solar Pro 3Upstage
627562588065
Qwen 3.6 27BAlibaba
648582589073
Mimo V2.5 ProXiaomi
688065608569
GLM 5.1Z.ai
507850458558
Nemotron 3 Ultra 550BNVIDIA
556560588863
Kimi K2.6Moonshot
407545358251
HyperCLOVAX SEED Think 32BNaver
608060608066
Qwen 3.5 9BAlibaba
627870558067
Qwen 3.6 35B A3BAlibaba
357235307846
EXAONE 4.5 33BLG AI
657565607867
Kanana 2 30B-A3B ThinkingKakao
456050406249
Gemma 4 E2BGoogle
455343434946
Mistral Small 4Mistral
306830257541
HyperCLOVAX SEED 1.5BNaver
294228284032
LFM2.5 8B-A1BLiquid AI
274125253930
금융·가계·자산관리 · 문항 55세대 실손(2026-05-06 출시) vs 4세대 vs 2세대 갈아타기비공개

5세대 실손 갈아타기 + 청구간소화

본문·raw·근거 →
모델
정확성의도 파악신중함한국 맥락짜임새avg
GPT-5.5OpenAI
929290909291
Claude Opus 4.8Anthropic
909290909090
GPT-5.4 MiniOpenAI
788588758581
Gemini 3.1 ProGoogle
929088909090
Claude Sonnet 4.6Anthropic
808888789284
Gemini 3.5 FlashGoogle
908888889089
Gemma 4 26B A4BGoogle
788575758278
Gemma 4 31BGoogle
708070708273
DeepSeek V4 ProDeepSeek
859085859086
Gemma 4 12BGoogle
647662668469
Gemini 3.1 Flash LiteGoogle
557555508060
Qwen 3.7 MaxAlibaba
557855508061
Grok 4.3xAI
607865558065
MiniMax M3Minimax
558588489270
DeepSeek V4 FlashDeepSeek
608060558064
Step 3.7 FlashStepFun
388242358852
Qwen 3.7 PlusAlibaba
426232368047
Solar Pro 3Upstage
355545385043
Qwen 3.6 27BAlibaba
548578458866
Mimo V2.5 ProXiaomi
307030257842
GLM 5.1Z.ai
357535308046
Nemotron 3 Ultra 550BNVIDIA
386240358548
Kimi K2.6Moonshot
357240307846
HyperCLOVAX SEED Think 32BNaver
204020206029
Qwen 3.5 9BAlibaba
286025257538
Qwen 3.6 35B A3BAlibaba
256825207537
EXAONE 4.5 33BLG AI
326042287243
Kanana 2 30B-A3B ThinkingKakao
304540356241
Gemma 4 E2BGoogle
324530284334
Mistral Small 4Mistral
156015106528
HyperCLOVAX SEED 1.5BNaver
153216103219
LFM2.5 8B-A1BLiquid AI
233923183726