diff --git a/src/main/java/kr/xit/framework/biz/cmm/service/CmmAnsTmplService.java b/src/main/java/kr/xit/framework/biz/cmm/service/CmmAnsTmplService.java
index 27ee03d4..36833bae 100644
--- a/src/main/java/kr/xit/framework/biz/cmm/service/CmmAnsTmplService.java
+++ b/src/main/java/kr/xit/framework/biz/cmm/service/CmmAnsTmplService.java
@@ -43,7 +43,7 @@ public class CmmAnsTmplService implements ICmmAnsTmplService {
             RowBounds rowBounds = new RowBounds();
             Map<String, Object> paraMap = new HashMap<>();
             paraMap.put("tmplatId", dto.getTmplatId());
-            if(mapper.selectCmmAnsTmplList(paraMap, rowBounds).size() == 0){
+            if(mapper.selectCmmAnsTmplList(paraMap, rowBounds).size() == 0 && "FIM028".equals(dto.getAnswerSeCode())){
                 mapper.insertCmmAnsTmpl(dto);
             }
         }
@@ -54,7 +54,9 @@ public class CmmAnsTmplService implements ICmmAnsTmplService {
     @Transactional
     public void modifyCmmAnsTmpl(final CmmAnsTmplDTO.CmmAnsTmplDtl dto) {
         dto.setChanger(getUserUniqId());
-        mapper.updateCmmAnsTmpl(dto);
+        if ("FIM028".equals(dto.getAnswerSeCode())){
+            mapper.updateCmmAnsTmpl(dto);
+        }
         mapper.updateCmmAnsTmplDtl(dto);
     }
 }
diff --git a/src/main/java/kr/xit/framework/biz/cmm/web/CmmAnsTmplController.java b/src/main/java/kr/xit/framework/biz/cmm/web/CmmAnsTmplController.java
index ea8192fc..c5cd8780 100644
--- a/src/main/java/kr/xit/framework/biz/cmm/web/CmmAnsTmplController.java
+++ b/src/main/java/kr/xit/framework/biz/cmm/web/CmmAnsTmplController.java
@@ -37,8 +37,9 @@ public class CmmAnsTmplController {
     public ModelAndView cmmAnsTmplForm() {
         ModelAndView mav = new ModelAndView();
         mav.addObject("codeList23", CacheServiceUtils.getComboCodes("FIM023", null)); //답변템플릿ID
-        mav.addObject("codeList21", CacheServiceUtils.getComboCodes("FIM021", null)); //서손
+        mav.addObject("codeList28", CacheServiceUtils.getComboCodes("FIM028", null)); //부과 답변
         mav.addObject("codeList25", CacheServiceUtils.getComboCodes("FIM025", null)); //계도
+        mav.addObject("codeList21", CacheServiceUtils.getComboCodes("FIM021", null)); //서손
         return mav;
     }
 
@@ -50,14 +51,16 @@ public class CmmAnsTmplController {
             mav.addObject("cmmAnsTmpl", service.findCmmAnsTmpl(dto));
             mav.addObject("pageTitle", "공통 답변 템플릿 변경");
             mav.addObject("codeList23", CacheServiceUtils.getComboCodes("FIM023", null)); //답변템플릿ID
-            mav.addObject("codeList21", CacheServiceUtils.getComboCodes("FIM021", null)); //서손
+            mav.addObject("codeList28", CacheServiceUtils.getComboCodes("FIM028", null)); //부과 답변
             mav.addObject("codeList25", CacheServiceUtils.getComboCodes("FIM025", null)); //계도
+            mav.addObject("codeList21", CacheServiceUtils.getComboCodes("FIM021", null)); //서손
         } else {
             mav.addObject("cmmAnsTmpl", dto);
             mav.addObject("pageTitle", "공통 답변 템플릿 등록");
-            mav.addObject("codeList23", service.findComboCodes("FIM023")); //서손
-            mav.addObject("codeList21", service.findComboCodes("FIM021")); //서손
+            mav.addObject("codeList23", service.findComboCodes("FIM023")); //답변템플릿ID
+            mav.addObject("codeList28", service.findComboCodes("FIM028")); //부과 답변
             mav.addObject("codeList25", service.findComboCodes("FIM025")); //계도
+            mav.addObject("codeList21", service.findComboCodes("FIM021")); //서손
         }
         mav.setViewName(FrameworkConstants.FRAMEWORK_JSP_BASE_PATH + "cmm/answer/cmmAnsTmplPopup.popup");
         return mav;
diff --git a/src/main/resources/sqlmapper/framework/cmm/cmm-ansTmpl-mysql-mapper.xml b/src/main/resources/sqlmapper/framework/cmm/cmm-ansTmpl-mysql-mapper.xml
index 3380198f..bd4134a3 100644
--- a/src/main/resources/sqlmapper/framework/cmm/cmm-ansTmpl-mysql-mapper.xml
+++ b/src/main/resources/sqlmapper/framework/cmm/cmm-ansTmpl-mysql-mapper.xml
@@ -37,7 +37,7 @@
 			FROM xit_cmmn_code xcc
 					 LEFT JOIN xit_cmmn_detail_code xcdc
 							   ON xcc.code_id = xcdc.code_id
-			WHERE xcc.code_id IN ( 'FIM025', 'FIM021')
+			WHERE xcc.code_id IN ( 'FIM028', 'FIM025', 'FIM021')
 		) cdc
 			ON tcatd.answer_se_code = cdc.code_id
 		    	AND tcatd.resn_code = cdc.code
diff --git a/src/main/webapp/WEB-INF/jsp/framework/biz/cmm/answer/cmmAnsTmplForm.jsp b/src/main/webapp/WEB-INF/jsp/framework/biz/cmm/answer/cmmAnsTmplForm.jsp
index 2ddf36fd..3f6f9fc4 100644
--- a/src/main/webapp/WEB-INF/jsp/framework/biz/cmm/answer/cmmAnsTmplForm.jsp
+++ b/src/main/webapp/WEB-INF/jsp/framework/biz/cmm/answer/cmmAnsTmplForm.jsp
@@ -86,7 +86,7 @@
 		,pagePopup: function(flag, params){
 			let url = frwkApiUrl.POPUP_ANS_TMPLS;
 			let popTitle;
-			let popOption = {width: 950, height:550};
+			let popOption = {width: 950, height:600};
 			switch (flag) {
 				case "add":	//등록
 					popTitle = "공통 답변 템플릿 등록";
@@ -168,7 +168,7 @@
 					options: {
 						formatter: (props) => {
 							return {
-								formatter: props.grid.getRow(props.rowKey).tmplatNm
+								formatter: props.grid.getRow(props.rowKey).tmplatNm + "-" + props.grid.getRow(props.rowKey).answerSeCodeNm + "-" + props.grid.getRow(props.rowKey).resnCodeNm
 								,element	: "text"
 							}
 						}
diff --git a/src/main/webapp/WEB-INF/jsp/framework/biz/cmm/answer/cmmAnsTmplPopup.jsp b/src/main/webapp/WEB-INF/jsp/framework/biz/cmm/answer/cmmAnsTmplPopup.jsp
index bf431980..89c4e86b 100644
--- a/src/main/webapp/WEB-INF/jsp/framework/biz/cmm/answer/cmmAnsTmplPopup.jsp
+++ b/src/main/webapp/WEB-INF/jsp/framework/biz/cmm/answer/cmmAnsTmplPopup.jsp
@@ -63,21 +63,22 @@
 								</c:choose>
 							>
 								<option value="">선택</option>
+								<option <c:if test="${cmmAnsTmpl.answerSeCode == 'FIM028'}">selected="selected"</c:if> value="FIM028">부과 답변</option>
 								<option <c:if test="${cmmAnsTmpl.answerSeCode == 'FIM025'}">selected="selected"</c:if> value="FIM025">계도</option>
 								<option <c:if test="${cmmAnsTmpl.answerSeCode == 'FIM021'}">selected="selected"</c:if> value="FIM021">서손</option>
 							</select>
 						</td>
 						<th class="required" scope="row" nowrap>
-							<label for="clCode">사유</label>
+							<label for="clCode1">사유</label>
 						</th>
 						<td>
 							<p></p>
-							<select name="clCode" id="clCode" class="select" title="계도코드"
+							<select name="clCode1" id="clCode1" class="select" title="부과코드"
 									<c:choose>
-										<c:when test="${isUpdate && cmmAnsTmpl.answerSeCode == 'FIM021'}">
+										<c:when test="${isUpdate && cmmAnsTmpl.answerSeCode == 'FIM028'}">
 											onFocus='this.initialSelect = this.selectedIndex;' onChange='this.selectedIndex = this.initialSelect;' style='background-color:#ababab'
 										</c:when>
-										<c:when test="${isUpdate && cmmAnsTmpl.answerSeCode != 'FIM021'}">
+										<c:when test="${isUpdate && cmmAnsTmpl.answerSeCode != 'FIM028'}">
 											style="display:none;"
 										</c:when>
 										<c:otherwise>
@@ -86,11 +87,12 @@
 									</c:choose>
 							>
 								<option value="">전체</option>
-								<c:forEach var="result" items="${codeList25}" varStatus="status">
+								<c:forEach var="result" items="${codeList28}" varStatus="status">
 									<option <c:if test="${cmmAnsTmpl.resnCode == result.code}">selected="selected"</c:if> value='<c:out value="${result.code}"/>' ><c:out value="${result.code_nm}"/></option>
 								</c:forEach>
 							</select>
-							<select name="clCode1" id="clCode1" class="select" title="서손코드"
+
+							<select name="clCode2" id="clCode2" class="select" title="서손코드"
 									<c:choose>
 										<c:when test="${isUpdate && cmmAnsTmpl.answerSeCode == 'FIM025'}">
 											onFocus='this.initialSelect = this.selectedIndex;' onChange='this.selectedIndex = this.initialSelect;' style='background-color:#ababab'
@@ -102,7 +104,25 @@
 											onchange="fnBiz.onSearchCodeChange(this)"
 										</c:otherwise>
 									</c:choose>
-									<c:if test="${cmmAnsTmpl.answerSeCode == 'FIM025'}">style="display:none;"</c:if>
+							>
+								<option value="">전체</option>
+								<c:forEach var="result" items="${codeList25}" varStatus="status">
+									<option <c:if test="${cmmAnsTmpl.resnCode == result.code}">selected="selected"</c:if> value='<c:out value="${result.code}"/>' ><c:out value="${result.code_nm}"/></option>
+								</c:forEach>
+							</select>
+
+							<select name="clCode3" id="clCode3" class="select" title="계도코드"
+									<c:choose>
+										<c:when test="${isUpdate && cmmAnsTmpl.answerSeCode == 'FIM021'}">
+											onFocus='this.initialSelect = this.selectedIndex;' onChange='this.selectedIndex = this.initialSelect;' style='background-color:#ababab'
+										</c:when>
+										<c:when test="${isUpdate && cmmAnsTmpl.answerSeCode != 'FIM021'}">
+											style="display:none;"
+										</c:when>
+										<c:otherwise>
+											onchange="fnBiz.onSearchCodeChange(this)"
+										</c:otherwise>
+									</c:choose>
 							>
 								<option value="">전체</option>
 								<c:forEach var="result" items="${codeList21}" varStatus="status">
@@ -111,7 +131,7 @@
 							</select>
 						</td>
 					</tr>
-					<tr>
+					<tr class="prfaceTr">
 						<th class="required" scope="row" nowrap>
 							<label for="prface">머리말</label>
 						</th>
@@ -129,7 +149,7 @@
 							<form:errors path="answerCn" />
 						</td>
 					</tr>
-					<tr>
+					<tr class="tlfaceTr">
 						<th class="required" scope="row" nowrap>
 							<label for="tlface">꼬리말</label>
 						</th>
@@ -141,6 +161,30 @@
 				</tbody>
 			</table>
 		</form:form>
+		<table class="tbl02" style="white-space:normal;">
+			<caption>민원 답변내용 미리보기</caption>
+			<colgroup>
+				<col style="width: 15%;"/>
+				<col style="width: 35%;"/>
+				<col style="width: 15%;"/>
+				<col style="width: 35%;"/>
+			</colgroup>
+			<tbody>
+				<td colspan="4">
+					<textarea id="ansPreview" cols="70" rows="17" readonly></textarea>
+				</td>
+			</tbody>
+		</table>
+		<div class="other_btn" style="position:absolute; bottom:0px;">
+			<span class="other_btn_02"> [매크로 문자 삽입]:
+				<a href="#" class="btn blue" id="btnKey" onclick="fnBiz.onMacroInsert(this);">일련번호</a>
+				<a href="#" class="btn blue" id="btnPhone" onclick="fnBiz.onMacroInsert(this);">전화번호</a>
+				<a href="#" class="btn blue" id="btnCar" onclick="fnBiz.onMacroInsert(this);">차량번호</a>
+			</span>
+			<span class="other_btn_03"> [미리보기]:
+				<a href="#" class="btn green" id="btnPreview">미리보기</a>
+			</span>
+		</div>
 		<%@include file="/WEB-INF/jsp/framework/biz-popup-use-btn.jsp" %>
 		<!-- //등록버튼 -->
 	</div>
@@ -152,6 +196,7 @@
 	 * Global Variable
 	 **************************************************************************/
 	let orgData;
+	let tAreaSelect = null;
 
 	/* *******************************
      * Biz function
@@ -190,19 +235,23 @@
 			const answerSeCode = $('#answerSeCode').val();
 			if($("input[name=resnCode]").val() === '') {
 				alert('사유는 필수 입력입니다.');
-				if(answerSeCode === 'FIM025') $('#clCode').focus();
-				if(answerSeCode === 'FIM021') $('#clCode1').focus();
+				if(answerSeCode === 'FIM028') $('#clCode1').focus();
+				if(answerSeCode === 'FIM025') $('#clCode2').focus();
+				if(answerSeCode === 'FIM021') $('#clCode3').focus();
 				return false;
 			}
 
 			return true;
 		}
-		,onInitChange: (e) => {
+		,onInitChange: () => {
 			const tmplatId = $('#tmplatId').val();
 			if(tmplatId === ''){
 				$('#answerSeCode').val('');
-				$('#clCode').val('');
 				$('#clCode1').val('');
+				$('#clCode2').val('');
+				$('#clCode3').val('');
+				$('.prfaceTr').css('display', 'none');
+				$('.tlfaceTr').css('display', 'none');
 				fnBiz.onSearchChange();
 			}else{
 				$('#tmplatNm').val($('#tmplatId option:checked').text());
@@ -212,11 +261,10 @@
 					, type: "GET"
 					, showSuccessMsg: false
 					, success: (res) => {
-						if(res.data.contents.length > 0)
-							if(confirm("템플릿 유형에 대한 머리말 꼬리말이 존재합니다. 화면에 자동반영하시겠습니까?")){
-								document.getElementById("prface").value = res.data.contents[0].prface;
-								document.getElementById("tlface").value = res.data.contents[0].tlface;
-							}
+						if(res.data.contents.length > 0){
+							document.getElementById("prface").value = res.data.contents[0].prface;
+							document.getElementById("tlface").value = res.data.contents[0].tlface;
+						}
 					}
 				});
 			}
@@ -224,10 +272,13 @@
 		,onSearchChange: () => {
 			if($('#answerSeCode').val() === ''){
 				$("input[name=resnCode]").val('');
-				$('select[name="clCode"]')
+				$('select[name="clCode1"]')
 						.css('display', 'none')
 						.attr('disabled', true);
-				$('select[name="clCode1"]')
+				$('select[name="clCode2"]')
+						.css('display', 'none')
+						.attr('disabled', true);
+				$('select[name="clCode3"]')
 						.css('display', 'none')
 						.attr('disabled', true);
 			}else{
@@ -236,26 +287,69 @@
 					$('#answerSeCode').val('');
 					document.getElementById("tmplatId").focus();
 					return false;
-				}else if($('#answerSeCode').val() === 'FIM025'){
-					$('select[name="clCode"]')
+				}else if($('#answerSeCode').val() === 'FIM028'){
+					$('select[name="clCode1"]')
 							.css('display', 'inline-block')
 							.attr('disabled', false);
+					$('select[name="clCode2"]')
+							.css('display', 'none')
+							.attr('disabled', true);
+					$('select[name="clCode3"]')
+							.css('display', 'none')
+							.attr('disabled', true);
+					$('.prfaceTr').css('display', 'table-row');
+					$('.tlfaceTr').css('display', 'table-row');
+				}else if($('#answerSeCode').val() === 'FIM025'){
 					$('select[name="clCode1"]')
 							.css('display', 'none')
 							.attr('disabled', true);
-				}else if($('#answerSeCode').val() === 'FIM021'){
-					$('select[name="clCode"]')
+					$('select[name="clCode2"]')
+							.css('display', 'inline-block')
+							.attr('disabled', false);
+					$('select[name="clCode3"]')
 							.css('display', 'none')
 							.attr('disabled', true);
+					$('.prfaceTr').css('display', 'none');
+					$('.tlfaceTr').css('display', 'none');
+				}else if($('#answerSeCode').val() === 'FIM021'){
 					$('select[name="clCode1"]')
+							.css('display', 'none')
+							.attr('disabled', true);
+					$('select[name="clCode2"]')
+							.css('display', 'none')
+							.attr('disabled', true);
+					$('select[name="clCode3"]')
 							.css('display', 'inline-block')
 							.attr('disabled', false);
+					$('.prfaceTr').css('display', 'none');
+					$('.tlfaceTr').css('display', 'none');
 				}
 			}
 		}
 		,onSearchCodeChange: (e) => {
 			$("input[name=resnCode]").val($(e).val());
 		}
+		,onMacroInsert: (e) => {
+			if(tAreaSelect === null){
+				alert("텍스트 영역을 먼저 선택한 후에 눌러주세요.");
+				return false;
+			}else{
+				const selectPos = tAreaSelect.line;
+				const txtArea = document.getElementById(tAreaSelect.id);
+				const beforeTxt = txtArea.value.substring(0, selectPos);
+				const afterTxt = txtArea.value.substring(selectPos, txtArea.value.length);
+				let addTxt = '';
+
+				if(e.id === 'btnKey') addTxt = "[" + $('#'+e.id).text() + "]";
+				if(e.id === 'btnPhone') addTxt = "[" + $('#'+e.id).text() + "]";
+				if(e.id === 'btnCar') addTxt = "[" + $('#'+e.id).text() + "]";
+				txtArea.value = beforeTxt + addTxt + afterTxt;
+
+				txtArea.selectionStart = selectPos + addTxt.length;
+				txtArea.selectionEnd = selectPos + addTxt.length;
+				txtArea.focus();
+			}
+		}
 	};
 
 	/**************************************************************************
@@ -283,6 +377,41 @@
 		$('#btnRemove').on('click', () => {
 			fnBiz.remove();
 		});
+
+		$('#btnPreview').on('click', (e) => {
+			const btnPre = e.target;
+			if(btnPre.text === '미리보기'){
+				$('.tbl03').css('display', 'none');
+				$('.tbl02').css('display', '');
+				$('.other_btn_02').css('display', 'none');
+				$('.popup_btn_02').css('display', 'none');
+				btnPre.text = '입력화면';
+				const pTxt = document.getElementById("prface").value + '\r\n \r\n' + document.getElementById("answerCn").value + '\r\n \r\n' + document.getElementById("tlface").value;
+				document.getElementById("ansPreview").value = pTxt.replaceAll('[일련번호]', '123456').replaceAll('[차량번호]', '11가1234').replaceAll('[전화번호]', '010-1234-5678');
+			}else{
+				$('.tbl03').css('display', '');
+				$('.tbl02').css('display', 'none');
+				$('.other_btn_02').css('display', '');
+				$('.popup_btn_02').css('display', '');
+				btnPre.text = '미리보기';
+				document.getElementById("ansPreview").value = "";
+			}
+		});
+
+		$('#prface').on('blur', (e) => {
+			tAreaSelect = null;
+			tAreaSelect = {id:e.target.id, line:$(e.target).prop("selectionStart")};
+		});
+
+		$('#answerCn').on('blur', (e) => {
+			tAreaSelect = null;
+			tAreaSelect = {id:e.target.id, line:$(e.target).prop("selectionStart")};
+		});
+
+		$('#tlface').on('blur', (e) => {
+			tAreaSelect = null;
+			tAreaSelect = {id:e.target.id, line:$(e.target).prop("selectionStart")};
+		});
 	});
 
 	/**************************************************************************
@@ -290,8 +419,15 @@
 	 **************************************************************************/
 	$(document).ready(function () {
 		orgData = $('form').serialize();
+		$('.tbl02').css('display', 'none');
 		<c:if test="${!isUpdate}">
 			fnBiz.onInitChange();
 		</c:if>
+		<c:if test="${isUpdate}">
+			if($('#answerSeCode').val() != 'FIM028'){
+				$('.prfaceTr').css('display', 'none');
+				$('.tlfaceTr').css('display', 'none');
+			}
+		</c:if>
 	});
 </script>