diff --git a/M01_MasterData/M01_MasterData_Store_Matset.py b/M01_MasterData/M01_MasterData_Store_Matset.py
index e3692168..08308fdc 100644
--- a/M01_MasterData/M01_MasterData_Store_Matset.py
+++ b/M01_MasterData/M01_MasterData_Store_Matset.py
@@ -14,7 +14,7 @@ from M01_MasterData import M01_MasterData_Store as store
 from M01_MasterData import M01_MasterData_Store_Combo as combos
 
 cm = store.cm
-msk = cm.msk
+msk = cm.mmc  # sub4 가 세운 자재 조합 엔진(`scripts/master_material_combo.py`)
 
 FILE = msk.FILE
 OWNERS = msk.OWNERS
@@ -63,12 +63,23 @@ def _clean(one: dict, owner: str, key: str | None = None) -> dict:
     if isinstance(got, list):  # 화면이 덤을 실어도 자재 줄은 네 칸만 · 안 준 칸은 빈 글
         got = [{c: m.get(c, "") for c in msk.ITEM_COLS} if isinstance(m, dict) else m for m in got]
     rest = {k: v for k, v in one.items() if k not in ("키", "원문번호", "소유")}
+    _check_codes(got)
     row = {**({"키": key} if key else {}), "소유": owner, **rest, "담은자재": got or []}
     for col in msk.COLS:
         row.setdefault(col, None)
     return {k: row[k] for k in msk.COLS if k in row}
 
 
+def _check_codes(got) -> None:
+    """담은 자재 코드가 마스터 어느 줄에도 없으면 422 — 틀 검사는 저장 길(`store.save`)이 함."""
+    if not isinstance(got, list) or not got:
+        return
+    known = {str(r.get("키")) for d in store.loaded()[0].values() for r in d.get("줄") or []}
+    lost = [str(m.get("코드")) for m in got if isinstance(m, dict) and m.get("코드") not in known]
+    if lost:
+        raise store.StoreError(422, {"errors": [f"마스터에 없는 자재 {' · '.join(lost)}"]})
+
+
 def _write(changes: list[dict], version: str | None = None) -> dict:
     _make_file()
     return store.save(
@@ -79,7 +90,7 @@ def _write(changes: list[dict], version: str | None = None) -> dict:
 def matsets(q: str = "", owner: str = "") -> list[dict]:
     """목록 — 찾기(이름 · 키)와 소유로 거름 · 줄마다 자재 수."""
     out = []
-    for _, row in msk.rows(store.loaded()[0]):
+    for row in store.loaded()[0].get(FILE, {}).get("줄") or []:
         if owner and row.get("소유") != owner:
             continue
         if not store._hit(row, q):
diff --git a/resources/tester/test_m01_matset.py b/resources/tester/test_m01_matset.py
index 58ff30cc..7be0f59b 100644
--- a/resources/tester/test_m01_matset.py
+++ b/resources/tester/test_m01_matset.py
@@ -53,7 +53,7 @@ def _new(client: TestClient, name: str, mats: list[dict], **more) -> dict:
 def test_정본_자재조합_파일은_틀대로다() -> None:
     data = json.loads((ROOT / "resources/master_data/자재조합.json").read_text(encoding="utf-8"))
     assert data["그룹"] == "자재조합" and isinstance(data["줄"], list)
-    assert store.cm.msk.check_form("자재조합.json", data) == []
+    assert store.cm.mmc.check_form("자재조합.json", data) == []
     assert '"UM"' in (ROOT / "resources/master_data/_키대장.json").read_text(encoding="utf-8")
 
 
@@ -63,7 +63,7 @@ def test_새로_만들면_UM_키와_열_한_벌(client) -> None:
     assert res.status_code == 200, res.text
     made = res.json()
     assert made["key"].startswith("UM") and len(made["key"]) == 8
-    assert tuple(made["matset"]) == store.cm.msk.COLS
+    assert tuple(made["matset"]) == store.cm.mmc.COLS
     assert made["matset"]["담은자재"] == [mat] and made["matset"]["본뜬키"] is None
     rows = client.get("/api/m01/matsets").json()["matsets"]
     assert [(r["키"], r["count"]) for r in rows] == [(made["key"], 1)]