\uc7ac\ud14c\ud06c \uc2e4\ud328\ub97c \ud53c\ud558\ub294 5\uac00\uc9c0 \ubc29\ubc95<\/title><\/p>\n<h1 id=\"%ec%9e%ac%ed%85%8c%ed%81%ac-%ec%8b%a4%ed%8c%a8%eb%a5%bc-%ed%94%bc%ed%95%98%eb%8a%94-5%ea%b0%80%ec%a7%80-%eb%b0%a9%eb%b2%95-vrPkcnCoLU\">\uc7ac\ud14c\ud06c \uc2e4\ud328\ub97c \ud53c\ud558\ub294 5\uac00\uc9c0 \ubc29\ubc95<\/h1>\n\uc7ac\ud14c\ud06c\ub294 \ub2e8\uc21c\ud788 \ub3c8\uc744 \ubd88\ub9ac\ub294 \uae30\uc220\uc774 \uc544\ub2c8\ub77c, \uccb4\uacc4\uc801\uc778 \uc900\ube44\uc640 \ub04a\uc784\uc5c6\ub294 \uc790\uae30\uacc4\ubc1c, \uadf8\ub9ac\uace0 \ud604\uba85\ud55c \ud22c\uc790 \ud310\ub2e8\uc774 \uc694\uad6c\ub418\ub294 \ubcf5\ud569\uc801\uc778 \ubd84\uc57c\uc785\ub2c8\ub2e4. \ucd5c\uadfc \uba87 \ub144\uac04 \uad6d\ub0b4\uc678 \uacbd\uc81c\uc758 \ubd88\ud655\uc2e4\uc131\uc774 \uc99d\uac00\ud558\uba74\uc11c, \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc774 \uc7ac\ud14c\ud06c\uc5d0 \ub3c4\uc804\ud558\uace0 \uc788\uc9c0\ub9cc \uadf8 \uacfc\uc815\uc5d0\uc11c \uc2e4\ud328\ub97c \uacbd\ud5d8\ud558\ub294 \uc0ac\ub840\ub3c4 \ube48\ubc88\ud569\ub2c8\ub2e4. \ubcf8 \uae00\uc5d0\uc11c\ub294 \uc7ac\ud14c\ud06c \uc2e4\ud328\ub97c \ud53c\ud558\uae30 \uc704\ud55c 5\uac00\uc9c0 \ud575\uc2ec \ubc29\ubc95\uc5d0 \ub300\ud574 \uc2ec\ub3c4 \uc788\uac8c \ubd84\uc11d\ud558\uace0, \uc804\ubb38 \ud22c\uc790 \uc804\ubb38\uac00\uc758 \uc2dc\uac01\uc5d0\uc11c \uc2e4\uc81c \uc0ac\ub840\uc640 \ud1b5\uacc4, \uc804\ub7b5 \ub4f1\uc744 \uc885\ud569\uc801\uc73c\ub85c \uc18c\uac1c\ud558\uace0\uc790 \ud569\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \ub3c5\uc790\ub4e4\uc774 \uc7ac\ud14c\ud06c \uc900\ube44\ubd80\ud130 \uc2e4\ud589, \uadf8\ub9ac\uace0 \uc2e4\ud328 \ud6c4 \uad50\ud6c8\uc5d0 \uc774\ub974\ub294 \uc804 \uacfc\uc815\uc744 \uccb4\uacc4\uc801\uc73c\ub85c \uc774\ud574\ud558\uace0, \ubcf4\ub2e4 \uc548\uc804\ud558\uace0 \uc131\uacf5\uc801\uc778 \uc7ac\ud14c\ud06c \uc804\ub7b5\uc744 \uc218\ub9bd\ud560 \uc218 \uc788\ub3c4\ub85d \ub3d5\uace0\uc790 \ud569\ub2c8\ub2e4.<\/p>\n\uc544\ub798\uc758 \uae00\uc740 4\uac1c\uc758 \uc8fc\uc694 \uc139\uc158\uc73c\ub85c \uad6c\uc131\ub418\uc5b4 \uc788\uc73c\uba70, \uac01 \uc139\uc158\uc5d0\uc11c\ub294 \uc7ac\ud14c\ud06c \uc2e4\ud328\ub97c \ubc29\uc9c0\ud558\uae30 \uc704\ud55c \uad6c\uccb4\uc801\uc778 \uc811\uadfc\ubc95\uacfc \uc804\ub7b5, \uc2e4\uc81c \uc0ac\ub840 \ubc0f \ucd5c\uc2e0 \ub3d9\ud5a5\uc744 \uc124\uba85\ud569\ub2c8\ub2e4. \uac01 \uc139\uc158\ub9c8\ub2e4 5,000\uc790 \uc774\uc0c1\uc758 \uc2ec\ub3c4 \uc788\ub294 \ucf58\ud150\uce20\ub97c \uc81c\uacf5\ud558\uc5ec, \ub3c5\uc790\uac00 \ucda9\ubd84\ud55c \uc815\ubcf4\ub97c \uc2b5\ub4dd\ud560 \uc218 \uc788\ub3c4\ub85d \uad6c\uc131\ud558\uc600\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \ud22c\uc790\uc790\ub4e4\uc774 \uc9c1\uba74\ud560 \uc218 \uc788\ub294 \uc2ec\ub9ac\uc801 \uc7a5\uc560\ubb3c\uacfc \uc704\ud5d8 \uad00\ub9ac\ub97c \uccb4\uacc4\uc801\uc73c\ub85c \uc124\uba85\ud558\uba70, \uc2e4\ud328\uc758 \uc6d0\uc778\uc744 \ucca0\uc800\ud558\uac8c \ubd84\uc11d\ud569\ub2c8\ub2e4.<\/p>\n\ucd5c\uadfc \ud1b5\uacc4\uc5d0 \ub530\ub974\uba74, \uc7ac\ud14c\ud06c\uc5d0 \uc2e4\ud328\ud558\ub294 \uc0ac\ub78c\ub4e4\uc758 \uc57d 60%\uac00 \ucda9\ubd84\ud55c \uc900\ube44\uc640 \uccb4\uacc4\uc801\uc778 \uac80\ud1a0\uac00 \ubd80\uc871\ud588\uc73c\uba70, \ub098\uba38\uc9c0 40%\ub294 \uacfc\ub3c4\ud55c \uc790\uc2e0\uac10\uacfc \ube44\ud604\uc2e4\uc801\uc778 \uae30\ub300\uac10\uc5d0\uc11c \ube44\ub86f\ub41c \uacbd\uc6b0\uac00 \ub9ce\uc558\uc2b5\ub2c8\ub2e4. \uc774\uc640 \uac19\uc740 \ub370\uc774\ud130\ub97c \ubc14\ud0d5\uc73c\ub85c, \ubcf8 \uae00\uc5d0\uc11c\ub294 \uc131\uacf5\uc801\uc778 \uc7ac\ud14c\ud06c \uc2e4\ud604\uc744 \uc704\ud55c \uadfc\uac70 \uc788\ub294 \uc804\ub7b5\ub4e4\uc744 \uc81c\uc2dc\ud558\uace0, \uc2e4\ud328 \uc0ac\ub840\uc5d0 \ub300\ud55c \uc2ec\uce35 \ubd84\uc11d\uc744 \ud1b5\ud574 \uc7ac\ud14c\ud06c\uc640 \uad00\ub828\ub41c \ub2e4\uc591\ud55c \uad00\uc810\uc744 \uc81c\uacf5\ud560 \uc608\uc815\uc785\ub2c8\ub2e4.<\/p>\n\ud22c\uc790\uc640 \uc7ac\ud14c\ud06c\ub294 \ub2e8\uae30\uc801\uc778 \uc2dc\uc138 \ucc28\uc775\ubfd0\ub9cc \uc544\ub2c8\ub77c \uc7a5\uae30\uc801\uc778 \uc7ac\uc0b0 \uc99d\uc2dd\uc744 \ubaa9\ud45c\ub85c \ud574\uc57c \ud558\uba70, \uc774\ub97c \uc704\ud574\uc11c\ub294 \ub04a\uc784\uc5c6\ub294 \uc790\uae30\uacc4\ubc1c\uacfc \uc2dc\uc7a5\uc5d0 \ub300\ud55c \uae4a\uc740 \uc774\ud574\uac00 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \ubcf8 \uae00\uc740 \uc7ac\ud14c\ud06c \uc804\ubb38\uac00\uac00 \uc2e4\uc81c\ub85c \uc0ac\uc6a9\ud558\ub358 \uc804\ub7b5 \ubc0f \uc0ac\ub840\ub97c \uc911\uc2ec\uc73c\ub85c \uc124\uba85\ud558\uace0 \uc788\uc73c\ubbc0\ub85c, \ucd08\ubcf4 \ud22c\uc790\uc790\ubfd0\ub9cc \uc544\ub2c8\ub77c \uc5b4\ub290 \uc815\ub3c4 \uacbd\ud5d8\uc774 \uc788\ub294 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c\ub3c4 \uc720\uc775\ud560 \uac83\uc785\ub2c8\ub2e4.<\/p>\n\uae00\uc744 \uad6c\uc131\ud558\ub294 \uac01 \uc139\uc158\uc5d0\uc11c\ub294 \uba3c\uc800 \uc7ac\ud14c\ud06c\uc758 \uae30\ubcf8\uc801\uc778 \uc774\ud574\ubd80\ud130 \uc2dc\uc791\ud558\uc5ec, \ud22c\uc790 \uc804\ub7b5 \uc218\ub9bd, \uc2ec\ub9ac\uc801 \uc694\uc778 \ubd84\uc11d, \uadf8\ub9ac\uace0 \uc2e4\ud328 \ud6c4 \uc7ac\uae30 \uc804\ub7b5\uc5d0 \uc774\ub974\ub294 \uc804 \uacfc\uc815\uc744 \uad6c\uccb4\uc801\uc73c\ub85c \uc124\uba85\ud569\ub2c8\ub2e4. \uac01 \uc139\uc158\uc740 \uc2e4\uc9c8\uc801\uc778 \uc608\uc2dc\uc640 \ud568\uaed8 \ucd5c\uc2e0 \ub3d9\ud5a5 \ubc0f \ud1b5\uacc4\ub97c \ud3ec\ud568\ud558\uc5ec \ub3c5\uc790\uac00 \uc774\ub860\ubfd0\ub9cc \uc544\ub2c8\ub77c \uc2e4\uc81c \uc801\uc6a9\ud560 \uc218 \uc788\ub294 \uc804\ub7b5\ub4e4\uc744 \ud30c\uc545\ud560 \uc218 \uc788\ub3c4\ub85d \ub3c4\uc640\uc90d\ub2c8\ub2e4.<\/p>\n\ub530\ub77c\uc11c \ubcf8 \uae00\uc740 \uc7ac\ud14c\ud06c\uc5d0 \ub300\ud55c \uc804\ubc18\uc801\uc778 \uc774\ud574\ub97c \ub3d5\uace0, \uc2e4\ud328\uc758 \uc704\ud5d8\uc744 \ucd5c\uc18c\ud654\ud560 \uc218 \uc788\ub294 \uad6c\uccb4\uc801\uc778 \ud589\ub3d9 \uc9c0\uce68\uc744 \uc81c\uacf5\ud558\ub294 \uac83\uc744 \ubaa9\ud45c\ub85c \ud569\ub2c8\ub2e4. \uc544\ub798\uc758 4\uac1c \uc139\uc158\uc744 \ud1b5\ud574 \uc5ec\ub7ec\ubd84\uc740 \uc7ac\ud14c\ud06c\uc5d0 \ud544\uc694\ud55c \ud575\uc2ec \uc5ed\ub7c9\uc744 \uccb4\uacc4\uc801\uc73c\ub85c \uc775\ud788\uace0, \uc2e4\ud328\ub97c \ud53c\ud560 \uc218 \uc788\ub294 5\uac00\uc9c0 \ubc29\ubc95\uc744 \uba85\ud655\ud558\uac8c \uc774\ud574\ud558\uac8c \ub420 \uac83\uc785\ub2c8\ub2e4.<\/p>\n\uac01 \uc139\uc158\uc740 \ub2e8\uc21c\ud55c \uc774\ub860\uc801 \ub17c\uc758\uc5d0 \uadf8\uce58\uc9c0 \uc54a\uace0, \uc2e4\uc81c \uc0ac\ub840\uc640 \uad6c\uccb4\uc801\uc778 \uc218\uce58\ub97c \uadfc\uac70\ub85c \uc124\uba85\ub418\uc5b4 \uc788\uc5b4, \ub3c5\uc790\ub4e4\uc774 \ud604\uc2e4\uc5d0\uc11c \uacaa\uc744 \uc218 \uc788\ub294 \uc0c1\ud669\uc5d0 \ub300\ube44\ud560 \uc218 \uc788\ub3c4\ub85d \uad6c\uc131\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \ud22c\uc790\uc640 \uc7ac\ud14c\ud06c \uad00\ub828 \ucd5c\uc2e0 \ud2b8\ub80c\ub4dc\uc640 \ub3d9\ud5a5\uc744 \ubc18\uc601\ud558\uc5ec, \ubcc0\ud654\ud558\ub294 \uae08\uc735 \ud658\uacbd\uc5d0\uc11c\ub3c4 \uc548\uc815\uc801\uc778 \uc131\uacfc\ub97c \ub0bc \uc218 \uc788\ub294 \ubc29\ubc95\uc744 \uc81c\uc2dc\ud569\ub2c8\ub2e4.<\/p>\n\ubcf8 \uae00\uc744 \ud1b5\ud574 \uc5ec\ub7ec\ubd84\uc740 \uc7ac\ud14c\ud06c \uc2e4\ud328\uc758 \uc6d0\uc778\uc744 \uccb4\uacc4\uc801\uc73c\ub85c \ubd84\uc11d\ud558\uace0, \uadf8\uc5d0 \ub530\ub978 \uad6c\uccb4\uc801\uc778 \uc608\ubc29 \uc804\ub7b5\uc744 \uc2b5\ub4dd\ud560 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4. \uc774\uc81c\ubd80\ud130 \uac01 \uc139\uc158\ubcc4\ub85c \uc7ac\ud14c\ud06c \uc2e4\ud328\ub97c \ud53c\ud558\uae30 \uc704\ud55c \ud575\uc2ec\uc801\uc778 \ubc29\ubc95\ub4e4\uc744 \uc790\uc138\ud788 \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n <\/p>\n<h2 id=\"%ec%84%b9%ec%85%98-1-%ec%9e%ac%ed%85%8c%ed%81%ac%ec%9d%98-%ea%b8%b0%eb%b3%b8-%ec%9d%b4%ed%95%b4%ec%99%80-%ec%a4%80%eb%b9%84-%ec%84%b1%ea%b3%b5%ec%9d%98-%ec%b4%88%ec%84%9d-%ec%8c%93%ea%b8%b0-vrPkcnCoLU\">\uc139\uc158 1: \uc7ac\ud14c\ud06c\uc758 \uae30\ubcf8 \uc774\ud574\uc640 \uc900\ube44 \u2013 \uc131\uacf5\uc758 \ucd08\uc11d \uc313\uae30<\/h2>\n\uc7ac\ud14c\ud06c\uc5d0 \uc131\uacf5\ud558\uae30 \uc704\ud574\uc11c\ub294 \ubb34\uc5c7\ubcf4\ub2e4\ub3c4 \uae30\ubcf8\uc5d0 \ucda9\uc2e4\ud574\uc57c \ud569\ub2c8\ub2e4. \uc7ac\ud14c\ud06c\uc758 \uae30\ubcf8 \uc774\ud574\uc640 \uc900\ube44 \uc5c6\uc774\ub294 \uc5b4\ub5a0\ud55c \uc804\ub7b5\ub3c4 \ubfcc\ub9ac \ub0b4\ub9ac\uae30 \uc5b4\ub835\uc2b5\ub2c8\ub2e4. \uc774 \uc139\uc158\uc5d0\uc11c\ub294 \uae08\uc735 \uc2dc\uc7a5\uc758 \uc791\ub3d9 \uc6d0\ub9ac, \ub2e4\uc591\ud55c \ud22c\uc790 \uc0c1\ud488\uc758 \ud2b9\uc131, \uadf8\ub9ac\uace0 \ubcf8\uc778\uc5d0\uac8c \uc801\ud569\ud55c \ud22c\uc790 \uc720\ud615\uc744 \uc120\uc815\ud558\ub294 \ubc29\ubc95 \ub4f1\uc744 \uc2ec\ub3c4 \uc788\uac8c \ub2e4\ub8e8\uaca0\uc2b5\ub2c8\ub2e4. \uc7ac\ud14c\ud06c \uc2e4\ud328 \uc0ac\ub840\ub4e4\uc744 \ubd84\uc11d\ud574 \ubcf4\uba74, \uae30\ucd08 \uc9c0\uc2dd\uc758 \ubd80\uc871\uacfc \ubb34\uacc4\ud68d\uc801\uc778 \ud22c\uc790\ub85c \uc778\ud55c \uc2e4\ud328\uac00 \uac00\uc7a5 \ud070 \uc6d0\uc778\uc73c\ub85c \uc791\uc6a9\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc558\uc2b5\ub2c8\ub2e4.<\/p>\n\uc6b0\uc120, \uae08\uc735 \uc2dc\uc7a5\uc740 \ub2e8\uc21c\ud55c \uc218\uc775 \ucd94\uad6c\ub97c \ub118\uc5b4, \uacbd\uc81c \uc804\ubc18\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294 \uac70\ub300\ud55c \uc2dc\uc2a4\ud15c\uc785\ub2c8\ub2e4. \uc8fc\uc2dd, \ucc44\uad8c, \ubd80\ub3d9\uc0b0, \ud380\ub4dc \ub4f1 \ub2e4\uc591\ud55c \ud22c\uc790 \uc218\ub2e8\ub4e4\uc774 \uc874\uc7ac\ud558\uba70, \uac01 \uc218\ub2e8\ub9c8\ub2e4 \ud22c\uc790 \uae30\uac04, \ub9ac\uc2a4\ud06c \uc218\uc900, \uc218\uc775\ub960 \ub4f1\uc774 \uc0c1\uc774\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uae30\ubcf8 \uc9c0\uc2dd\uc744 \uc219\uc9c0\ud558\uc9c0 \ubabb\ud558\uba74, \ud22c\uc790 \uacb0\uc815\uc5d0 \uc788\uc5b4 \uc2ec\uac01\ud55c \uc624\ub958\ub97c \ubc94\ud560 \uc218\ubc16\uc5d0 \uc5c6\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c, \uae08\uc735 \uc2dc\uc7a5\uc758 \uad6c\uc870\uc640 \uac01 \uc0c1\ud488\uc758 \ud2b9\uc131\uc744 \uba85\ud655\ud788 \uc774\ud574\ud558\ub294 \uac83\uc774 \ubb34\uc5c7\ubcf4\ub2e4 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n\ucd5c\uadfc \uc5f0\uad6c \uacb0\uacfc\uc5d0 \ub530\ub974\uba74, \uc7ac\ud14c\ud06c\ub97c \uc2dc\uc791\ud558\ub294 \ub300\ubd80\ubd84\uc758 \ud22c\uc790\uc790\ub4e4\uc774 \uae30\ucd08 \uad50\uc721 \uc5c6\uc774 \ud22c\uc790\uc5d0 \ub6f0\uc5b4\ub4e4\uc5c8\uc73c\uba70, \uc774\ub4e4\uc740 \ud3c9\uade0 3\ub144 \uc774\ub0b4\uc5d0 \ud070 \uc190\uc2e4\uc744 \uacbd\ud5d8\ud558\ub294 \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, 2020\ub144\ubd80\ud130 2022\ub144\uae4c\uc9c0 \uc77c\ubd80 \ud22c\uc790\uc790\ub4e4\uc774 \ubb34\ubd84\ubcc4\ud558\uac8c \uc8fc\uc2dd \ud22c\uc790\uc5d0 \ubab0\uc785\ud55c \uacb0\uacfc, \uc2dc\uc7a5 \ubcc0\ub3d9\uc131\uc5d0 \uc81c\ub300\ub85c \ub300\uc751\ud558\uc9c0 \ubabb\ud574 \ud3c9\uade0 30% \uc774\uc0c1\uc758 \uc790\uc0b0 \uc190\uc2e4\uc744 \uc785\uc740 \uc0ac\ub840\uac00 \ubcf4\uace0\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc0ac\ub840\ub294 \uae30\ucd08\uc801\uc778 \uae08\uc735 \uad50\uc721\uc758 \ubd80\uc7ac\uac00 \uc5bc\ub9c8\ub098 \uce58\uba85\uc801\uc778\uc9c0\ub97c \uc5ec\uc2e4\ud788 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.<\/p>\n\ub610\ud55c, \uc7ac\ud14c\ud06c\uc758 \uae30\ucd08\ub97c \uc900\ube44\ud558\ub294 \uacfc\uc815\uc5d0\uc11c\ub294 \uc790\uc2e0\uc758 \uc7ac\ubb34 \uc0c1\ud669\uc744 \uac1d\uad00\uc801\uc73c\ub85c \ud3c9\uac00\ud558\ub294 \uac83\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uc790\uc0b0\uacfc \ubd80\ucc44\ub97c \uba85\ud655\ud788 \ud30c\uc545\ud558\uc5ec \ud22c\uc790 \uac00\ub2a5\ud55c \uc790\ubcf8\uc758 \uaddc\ubaa8\ub97c \uc0b0\ucd9c\ud558\uace0, \uc774\ub97c \uae30\ubc18\uc73c\ub85c \ud22c\uc790 \uacc4\ud68d\uc744 \uc218\ub9bd\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774 \uacfc\uc815\uc5d0\uc11c \uc7ac\ubb34\uc81c\ud45c \ubd84\uc11d \ubc29\ubc95\uc774\ub098 \uac00\uacc4\ubd80 \uc791\uc131\ubc95 \ub4f1\uc744 \uc775\ud788\uba74, \uc2dc\ud589\ucc29\uc624 \uc5c6\uc774 \ubcf4\ub2e4 \uccb4\uacc4\uc801\uc778 \uc7ac\ud14c\ud06c \uc804\ub7b5\uc744 \uc2e4\ud589\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\uc7ac\ud14c\ud06c \uc900\ube44\uc5d0 \uc788\uc5b4 \ub610 \ud558\ub098 \uc911\uc694\ud55c \uc694\uc18c\ub294 \ubaa9\ud45c \uc124\uc815\uc785\ub2c8\ub2e4. \ub2e8\uae30\uc801 \uc218\uc775\uacfc \uc7a5\uae30\uc801 \uc7ac\uc0b0 \uc99d\uc2dd \uc0ac\uc774\uc5d0\ub294 \ud070 \ucc28\uc774\uac00 \uc788\uc73c\uba70, \ud22c\uc790\uc790\uc758 \ub77c\uc774\ud504\uc2a4\ud0c0\uc77c\uacfc \uc7ac\ubb34 \ubaa9\ud45c\uc5d0 \ub530\ub77c \uc804\ub7b5\uc774 \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, 30\ub300 \ucd08\ubc18\uc758 \uc9c1\uc7a5\uc778\uacfc 50\ub300 \uc740\ud1f4 \uc900\ube44\uc790\ub294 \ud22c\uc790 \uc0c1\ud488\uc758 \uc120\ud0dd\uacfc \ub9ac\uc2a4\ud06c \uad00\ub9ac \ubc29\uc2dd\uc774 \ud06c\uac8c \ub2ec\ub77c\uc57c \ud569\ub2c8\ub2e4. \ubaa9\ud45c\uc5d0 \ub530\ub978 \ub9de\ucda4\ud615 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131\uc740 \uc131\uacf5\uc801\uc778 \uc7ac\ud14c\ud06c\uc758 \ud575\uc2ec\uc785\ub2c8\ub2e4.<\/p>\n\uc774\uc640 \uad00\ub828\ud558\uc5ec, \ub9ce\uc740 \uae08\uc735 \uc804\ubb38\uac00\ub4e4\uc740 \u2018\ubd84\uc0b0 \ud22c\uc790\u2019\ub77c\ub294 \uc6d0\uce59\uc744 \uac15\uc870\ud569\ub2c8\ub2e4. \ubd84\uc0b0 \ud22c\uc790\ub294 \ub9ac\uc2a4\ud06c\ub97c \ucd5c\uc18c\ud654\ud558\uace0 \uc548\uc815\uc801\uc778 \uc218\uc775\uc744 \ucd94\uad6c\ud560 \uc218 \uc788\ub294 \ud6a8\uacfc\uc801\uc778 \ubc29\ubc95\uc73c\ub85c, \ub2e8\uc77c \ud22c\uc790 \ub300\uc0c1\uc5d0 \ubaa8\ub4e0 \uc790\ubcf8\uc744 \ubab0\uc544\ub123\uc9c0 \uc54a\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc2e4\uc81c\ub85c, 2021\ub144 \uad6d\ub0b4 \ud22c\uc790\uc790\ub4e4\uc758 \uc57d 70%\uac00 \ubd84\uc0b0 \ud22c\uc790 \uc804\ub7b5\uc744 \ucc44\ud0dd\ud55c \uacb0\uacfc, \uc2dc\uc7a5 \ubcc0\ub3d9\uc131\uc5d0 \ub530\ub978 \uc190\uc2e4\uc744 15% \ubbf8\ub9cc\uc73c\ub85c \uc720\uc9c0\ud560 \uc218 \uc788\uc5c8\ub2e4\ub294 \ud1b5\uacc4 \uc790\ub8cc\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\ub610\ud55c, \uc7ac\ud14c\ud06c\uc758 \uae30\ubcf8 \uc774\ud574\ub294 \ucd5c\uc2e0 \uae08\uc735 \uae30\uc220(FinTech)\uacfc\ub3c4 \ubc00\uc811\ud55c \uc5f0\uad00\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ubaa8\ubc14\uc77c \ubc45\ud0b9, \uc778\uacf5\uc9c0\ub2a5\uc744 \ud65c\uc6a9\ud55c \ud22c\uc790 \uc5b4\ub4dc\ubc14\uc774\uc800, \ube14\ub85d\uccb4\uc778 \uae30\ubc18 \uae08\uc735 \uc11c\ube44\uc2a4 \ub4f1 \ud601\uc2e0\uc801\uc778 \uae30\uc220\ub4e4\uc740 \uc7ac\ud14c\ud06c\uc758 \uc811\uadfc \ubc29\uc2dd\uc744 \ud68d\uae30\uc801\uc73c\ub85c \ubcc0\ud654\uc2dc\ud0a4\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\uc5d0 \ub530\ub77c, \ud22c\uc790\uc790\ub4e4\uc740 \ucd5c\uc2e0 \uae30\uc220 \ub3d9\ud5a5\uc744 \uc9c0\uc18d\uc801\uc73c\ub85c \ud559\uc2b5\ud558\uace0, \uc774\ub97c \ud65c\uc6a9\ud55c \ud22c\uc790 \ubc29\ubc95\uc744 \ubaa8\uc0c9\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubcc0\ud654\ub294 \ub2e8\uae30\uc801 \uc218\uc775 \ubfd0\ub9cc \uc544\ub2c8\ub77c \uc7a5\uae30\uc801\uc778 \uc790\uc0b0 \uad00\ub9ac\uc5d0\ub3c4 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce58\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\uc2e4\uc81c \uc0ac\ub840\ub85c, A\uc528\ub294 \uc7ac\ud14c\ud06c\ub97c \uc2dc\uc791\ud558\uae30 \uc804\uc5d0 \ub2e4\uc591\ud55c \uae08\uc735 \uc11c\uc801\uacfc \uc628\ub77c\uc778 \uac15\uc758\ub97c \ud1b5\ud574 \uae30\ucd08 \uc9c0\uc2dd\uc744 \ud0c4\ud0c4\ud558\uac8c \ub2e4\uc9c4 \ud6c4, \ubd84\uc0b0 \ud22c\uc790 \uc804\ub7b5\uc744 \uae30\ubc18\uc73c\ub85c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\ucd95\ud558\uc600\uc2b5\ub2c8\ub2e4. \uadf8 \uacb0\uacfc, A\uc528\ub294 \ub2e8\uae30\uc801\uc778 \uc2dc\uc138 \ubcc0\ub3d9\uc5d0 \uc88c\uc6b0\ub418\uc9c0 \uc54a\uace0 \uafb8\uc900\ud788 \uc790\uc0b0\uc744 \ub298\ub824\ub098\uac00\uba70, 3\ub144 \ub0b4\uc5d0 \uc608\uc0c1\ubcf4\ub2e4 \ub192\uc740 \uc218\uc775\ub960\uc744 \uae30\ub85d\ud560 \uc218 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc0ac\ub840\ub294 \ucca0\uc800\ud55c \uae30\ucd08 \uc900\ube44\uac00 \uc7ac\ud14c\ud06c \uc131\uacf5\uc758 \uc5f4\uc1e0\uc784\uc744 \uc99d\uba85\ud574 \uc90d\ub2c8\ub2e4.<\/p>\n\ub610\ud55c, \ud22c\uc790 \uc804 \uae30\ubcf8 \ubd84\uc11d\ubfd0\ub9cc \uc544\ub2c8\ub77c, \ud22c\uc790 \ub300\uc0c1\uc5d0 \ub300\ud55c \uc2ec\ub3c4 \uc788\ub294 \ub9ac\uc11c\uce58\uc640 \ub370\uc774\ud130\ub97c \uae30\ubc18\uc73c\ub85c \ud55c \ud310\ub2e8\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc7ac\ubb34\uc81c\ud45c, \uc2dc\uc7a5 \ub9ac\ud3ec\ud2b8, \uacbd\uc81c \uc9c0\ud45c \ub4f1 \ub2e4\uc591\ud55c \ub370\uc774\ud130\ub97c \uc885\ud569\uc801\uc73c\ub85c \ubd84\uc11d\ud558\uc5ec \ud569\ub9ac\uc801\uc778 \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub824\uc57c \ud569\ub2c8\ub2e4. \uc774\ub97c \uc704\ud574\uc11c\ub294 \uae30\ubcf8\uc801\uc778 \uacbd\uc81c\ud559, \ud68c\uacc4\ud559, \ud1b5\uacc4\ud559\uc758 \uc774\ud574\ub3c4 \ud544\uc694\ud558\uba70, \uc2a4\uc2a4\ub85c \uacf5\ubd80\ud558\uac70\ub098 \uc804\ubb38\uac00\uc758 \uc870\uc5b8\uc744 \uad6c\ud558\ub294 \uac83\ub3c4 \uc88b\uc740 \ubc29\ubc95\uc785\ub2c8\ub2e4.<\/p>\n\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uc7ac\ud14c\ud06c \uae30\ubcf8 \uc900\ube44\ub294 \uc7a5\uae30\uc801\uc778 \uc790\uae30\uacc4\ubc1c\uacfc \ub9de\ubb3c\ub824 \uc9c4\ud589\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4. \uae08\uc735 \uc2dc\uc7a5\uc740 \ub04a\uc784\uc5c6\uc774 \ubcc0\ud654\ud558\uae30 \ub54c\ubb38\uc5d0, \uc9c0\uc18d\uc801\uc778 \ud559\uc2b5\uacfc \uc815\ubcf4 \uc5c5\ub370\uc774\ud2b8\ub294 \ud544\uc218\uc785\ub2c8\ub2e4. \uc815\uae30\uc801\uc73c\ub85c \uae08\uc735 \uad00\ub828 \uc11c\uc801\uc744 \uc77d\uac70\ub098, \uc138\ubbf8\ub098\uc5d0 \ucc38\uc11d\ud558\ub294 \ub4f1 \uc790\uae30\uacc4\ubc1c\uc5d0 \ud22c\uc790\ud558\ub294 \uac83\uc740 \uc7a5\uae30\uc801\uc73c\ub85c \ud070 \ucc28\uc774\ub97c \ub9cc\ub4e4\uc5b4\ub0c5\ub2c8\ub2e4. \uc7ac\ud14c\ud06c \uc131\uacf5\uc758 \uae30\ucd08\ub294 \ubc14\ub85c \uc774\ub7ec\ud55c \uafb8\uc900\ud55c \ub178\ub825\uc5d0\uc11c \ube44\ub86f\ub41c\ub2e4\uace0 \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\uc774\ucc98\ub7fc \uc7ac\ud14c\ud06c \uc2e4\ud328\ub97c \ud53c\ud558\uae30 \uc704\ud55c \uccab\uac78\uc74c\uc740 \uae30\ucd08\ub97c \ud2bc\ud2bc\ud788 \ud558\ub294 \ub370 \uc788\uc2b5\ub2c8\ub2e4. \uae30\ubcf8 \uc774\ud574\uc640 \uc900\ube44 \uacfc\uc815\uc744 \uc18c\ud640\ud788 \ud560 \uacbd\uc6b0, \uc544\ubb34\ub9ac \ud6cc\ub96d\ud55c \uc804\ub7b5\uc744 \uac00\uc84c\ub2e4\uace0 \ud558\ub354\ub77c\ub3c4 \uc2e4\ud328\ud560 \ud655\ub960\uc774 \ud06c\uac8c \ub192\uc544\uc9c0\uac8c \ub429\ub2c8\ub2e4. \ub530\ub77c\uc11c, \ubaa8\ub4e0 \ud22c\uc790\uc790\ub294 \uc7ac\ud14c\ud06c\uc5d0 \uc55e\uc11c \uc2a4\uc2a4\ub85c\uc758 \uae08\uc735 \uc9c0\uc2dd\uc744 \uc810\uac80\ud558\uace0 \uac15\ud654\ud558\ub294 \ub370 \ucda9\ubd84\ud55c \uc2dc\uac04\uc744 \ud22c\uc790\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\uc544\ub798\ub294 \uc7ac\ud14c\ud06c \uc900\ube44 \uc2dc \uace0\ub824\ud574\uc57c \ud560 \uc8fc\uc694 \ud3ec\uc778\ud2b8\ub97c \uc815\ub9ac\ud55c \ubaa9\ub85d\uc785\ub2c8\ub2e4.<\/p>\n<ul>\n<li>\uae08\uc735 \uc2dc\uc7a5\uc758 \uae30\ubcf8 \uba54\ucee4\ub2c8\uc998\uacfc \ud22c\uc790 \uc0c1\ud488\uc758 \ud2b9\uc9d5 \uc774\ud574<\/li>\n<li>\uc790\uc2e0\uc758 \uc7ac\ubb34 \uc0c1\ud669 \ubc0f \ud22c\uc790 \uac00\ub2a5 \uc790\ubcf8\uc758 \uac1d\uad00\uc801 \ud3c9\uac00<\/li>\n<li>\ub2e8\uae30\uc640 \uc7a5\uae30 \ubaa9\ud45c\uc5d0 \ub530\ub978 \ub9de\ucda4\ud615 \ud22c\uc790 \uc804\ub7b5 \uc218\ub9bd<\/li>\n<li>\ubd84\uc0b0 \ud22c\uc790 \uc6d0\uce59\uc744 \ud1b5\ud55c \ub9ac\uc2a4\ud06c \uad00\ub9ac<\/li>\n<li>\ucd5c\uc2e0 \uae08\uc735 \uae30\uc220 \ub3d9\ud5a5 \ubc0f \ud65c\uc6a9 \ubc29\uc548 \uc9c0\uc18d\uc801 \ud559\uc2b5<\/li>\n<li>\uc815\uae30\uc801\uc778 \uacbd\uc81c \ubc0f \uae08\uc735 \uad00\ub828 \uc815\ubcf4 \uc5c5\ub370\uc774\ud2b8<\/li>\n<li>\uc7ac\ubb34\uc81c\ud45c, \uc2dc\uc7a5 \ub9ac\ud3ec\ud2b8 \ub4f1 \uad6c\uccb4\uc801\uc778 \ub370\uc774\ud130 \ubd84\uc11d<\/li>\n<li>\uc804\ubb38\uac00\uc758 \uc870\uc5b8\uacfc \uacbd\ud5d8 \uacf5\uc720\ub97c \ud1b5\ud55c \uc9c0\uc2dd \ud655\uc7a5<\/li>\n<li>\uc790\uae30\uacc4\ubc1c\uc744 \ud1b5\ud55c \uafb8\uc900\ud55c \uae08\uc735 \uad50\uc721\uacfc \uc138\ubbf8\ub098 \ucc38\uc5ec<\/li>\n<li>\uc7a5\uae30\uc801\uc778 \uad00\uc810\uc5d0\uc11c \uc7ac\ud14c\ud06c \uacc4\ud68d \uc218\ub9bd \ubc0f \uc7ac\uac80\ud1a0<\/li>\n<\/ul>\n\uc774\uc640 \uac19\uc774 \ud0c4\ud0c4\ud55c \uae30\ubcf8\uae30 \ub9c8\ub828\uc740 \uc7ac\ud14c\ud06c \uc2e4\ud328\ub97c \uc608\ubc29\ud558\uace0, \uc548\uc815\uc801\uc778 \uc790\uc0b0 \uc99d\uc2dd\uc744 \uc704\ud55c \uccab\uac78\uc74c\uc784\uc744 \ub2e4\uc2dc \ud55c \ubc88 \uac15\uc870\ud558\uace0\uc790 \ud569\ub2c8\ub2e4. \ub2e4\uc74c \uc139\uc158\uc5d0\uc11c\ub294 \uc7ac\ud14c\ud06c \uc2e4\ud328\ub97c \ubc29\uc9c0\ud558\uae30 \uc704\ud55c \ub450 \ubc88\uc9f8 \ud575\uc2ec \uc694\uc18c\uc778 \uc704\ud5d8 \uad00\ub9ac\uc640 \ud22c\uc790 \uc804\ub7b5 \uc218\ub9bd\uc5d0 \ub300\ud574 \uc790\uc138\ud788 \uc0b4\ud3b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n <\/p>\n<h2 id=\"%ec%84%b9%ec%85%98-2-%ec%9c%84%ed%97%98-%ea%b4%80%eb%a6%ac%ec%99%80-%ed%88%ac%ec%9e%90-%ec%a0%84%eb%9e%b5-%ec%88%98%eb%a6%bd-%eb%b6%88%ed%99%95%ec%8b%a4%ec%84%b1-%ea%b7%b9%eb%b3%b5%ea%b3%bc-vrPkcnCoLU\">\uc139\uc158 2: \uc704\ud5d8 \uad00\ub9ac\uc640 \ud22c\uc790 \uc804\ub7b5 \uc218\ub9bd \u2013 \ubd88\ud655\uc2e4\uc131 \uadf9\ubcf5\uacfc \uc548\uc815\uc801 \uc218\uc775 \ucc3d\ucd9c<\/h2>\n\uc7ac\ud14c\ud06c\uc5d0\uc11c \uac00\uc7a5 \uc911\uc694\ud55c \uc694\uc18c \uc911 \ud558\ub098\ub294 \ubc14\ub85c \uc704\ud5d8 \uad00\ub9ac\uc785\ub2c8\ub2e4. \ud22c\uc790\uc5d0\ub294 \uc5b8\uc81c\ub098 \ubd88\ud655\uc2e4\uc131\uc774 \ub530\ub974\uba70, \uc774\uc5d0 \ub300\ud55c \ub300\ucc98 \ub2a5\ub825\uc774 \ubd80\uc871\ud558\uba74 \uc5b4\ub5a0\ud55c \uc804\ub7b5\ub3c4 \uc2e4\ud328\ud560 \uc704\ud5d8\uc774 \ud07d\ub2c8\ub2e4. \uc774 \uc139\uc158\uc5d0\uc11c\ub294 \uc7ac\ud14c\ud06c \uc2e4\ud328\ub97c \ud53c\ud558\uae30 \uc704\ud55c \uad6c\uccb4\uc801\uc778 \uc704\ud5d8 \uad00\ub9ac \uae30\ubc95\uacfc \ud22c\uc790 \uc804\ub7b5 \uc218\ub9bd \ubc29\ubc95, \uadf8\ub9ac\uace0 \ucd5c\uadfc \ub3d9\ud5a5\uc5d0 \ub530\ub978 \ucd5c\uc2e0 \ubca4\uce58\ub9c8\ud06c\uc640 \uc0ac\ub840\ub97c \uc911\uc2ec\uc73c\ub85c \uc2ec\ub3c4 \uc788\ub294 \ubd84\uc11d\uc744 \uc9c4\ud589\ud569\ub2c8\ub2e4. \uc704\ud5d8 \uad00\ub9ac\ub294 \ub2e8\uc21c\ud788 \uc190\uc2e4 \ud68c\ud53c\ub97c \ub118\uc5b4, \uc7a5\uae30\uc801\uc778 \uad00\uc810\uc5d0\uc11c \uc548\uc815\uc801\uc778 \uc218\uc775 \ucc3d\ucd9c\uc744 \ubaa9\ud45c\ub85c \ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\uccab\uc9f8, \ud22c\uc790\uc5d0 \uc788\uc5b4\uc11c\ub294 \ud56d\uc0c1 \uc608\uc0c1\uce58 \ubabb\ud55c \uc2dc\uc7a5 \ubcc0\ub3d9\uc5d0 \ub300\ube44\ud55c \uacc4\ud68d\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uae08\uc735 \uc704\uae30\ub098 \uac11\uc791\uc2a4\ub7f0 \uacbd\uc81c \uc0c1\ud669 \uac1c\uc120 \ubc0f \uc545\ud654\ub294 \ud22c\uc790\uc790\uc758 \uc608\uce21\uc744 \ub6f0\uc5b4\ub118\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc73c\uba70, \uc774\ub7ec\ud55c \uc0c1\ud669\ub4e4\uc5d0 \ud0c4\ub825\uc801\uc73c\ub85c \ub300\uc751\ud560 \uc218 \uc788\ub294 \ud22c\uc790 \uc804\ub7b5\uc744 \ub9c8\ub828\ud574 \ub450\uc5b4\uc57c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, 2008\ub144 \uae08\uc735\uc704\uae30 \ub2f9\uc2dc \ub9ce\uc740 \ud22c\uc790\uc790\ub4e4\uc774 \ud070 \uc190\uc2e4\uc744 \uc785\uc740 \uc8fc\uc694 \uc774\uc720\ub294 \ubcf8\uc778\ub9cc\uc758 \ub9ac\uc2a4\ud06c \uad00\ub9ac \uc2dc\uc2a4\ud15c\uc774 \ubd80\uc7ac\ud588\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc704\ud5d8 \uad00\ub9ac\ub294 \uc7ac\ud14c\ud06c\uc5d0\uc11c \ube7c\ub193\uc744 \uc218 \uc5c6\ub294 \ud544\uc218 \uc694\uc18c\uc785\ub2c8\ub2e4.<\/p>\n\ub458\uc9f8, \ubd84\uc0b0 \ud22c\uc790\uc640 \uc790\uc0b0 \ubc30\ubd84\uc740 \uc704\ud5d8 \uad00\ub9ac\uc758 \ud575\uc2ec \uc6d0\uce59\uc785\ub2c8\ub2e4. \ub2e8\uc77c \uc790\uc0b0\uc5d0 \ub300\ud55c \uc9c0\ub098\uce5c \uc758\uc874\uc740 \uc2dc\uc7a5\uc758 \ud070 \ubcc0\ub3d9\uc131\uc5d0 \ucde8\uc57d\ud558\uba70, \uc774\uc5d0 \ubc18\ud574 \uc5ec\ub7ec \uc790\uc0b0\uad70\uc5d0 \ubd84\uc0b0 \ud22c\uc790\ud568\uc73c\ub85c\uc368 \uac01\uae30 \ub2e4\ub978 \ub9ac\uc2a4\ud06c\uc640 \uc218\uc775\ub960\uc758 \uade0\ud615\uc744 \ub3c4\ubaa8\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ucd5c\uadfc \uc5f0\uad6c\uc5d0 \ub530\ub974\uba74, \ubd84\uc0b0 \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\uc131\ud55c \ud22c\uc790\uc790\ub4e4\uc740 \ub2e8\uc77c \ud22c\uc790 \uc804\ub7b5\uc744 \uc0ac\uc6a9\ud55c \ud22c\uc790\uc790\uc5d0 \ube44\ud574 \ud3c9\uade0 20% \uc774\uc0c1 \ub0ae\uc740 \uc190\uc2e4\ub960\uc744 \uae30\ub85d\ud55c \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub370\uc774\ud130\ub294 \ubd84\uc0b0 \ud22c\uc790\uc758 \uc720\ud6a8\uc131\uc744 \uc5ec\uc2e4\ud788 \uc785\uc99d\ud574 \uc90d\ub2c8\ub2e4.<\/p>\n\uc14b\uc9f8, \ud22c\uc790 \uc804\ub7b5 \uc218\ub9bd \uc2dc\uc5d0\ub294 \uccb4\uacc4\uc801\uc778 \ubd84\uc11d\uacfc \ub370\uc774\ud130\ub97c \uadfc\uac70\ub85c \ud55c \uc758\uc0ac\uacb0\uc815\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \ud22c\uc790\uc790\ub4e4\uc740 \uae30\uc220\uc801 \ubd84\uc11d, \uae30\ubcf8\uc801 \ubd84\uc11d, \uac70\uc2dc\uacbd\uc81c \ubd84\uc11d \ub4f1 \ub2e4\uac01\ub3c4\uc758 \ubd84\uc11d \uae30\ubc95\uc744 \ud65c\uc6a9\ud558\uc5ec \ud22c\uc790 \ub300\uc0c1\uc744 \uc120\uc815\ud574\uc57c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc8fc\uc2dd \ud22c\uc790\uc5d0\uc11c\ub294 \uae30\uc5c5\uc758 \uc7ac\ubb34\uc81c\ud45c \ubd84\uc11d, \uc2dc\uc7a5 \uc810\uc720\uc728, \uc0b0\uc5c5 \ub3d9\ud5a5\uc744 \uc885\ud569\uc801\uc73c\ub85c \uace0\ub824\ud558\uace0, \ubd80\ub3d9\uc0b0 \ud22c\uc790\uc5d0\uc11c\ub294 \uc9c0\uc5ed \ubc1c\uc804 \uac00\ub2a5\uc131, \uc778\uad6c \uc774\ub3d9, \uc815\ubd80\uc758 \uaddc\uc81c \uc815\ucc45 \ub4f1\uc744 \uba74\ubc00\ud788 \uac80\ud1a0\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub807\uac8c \ub2e4\uac01\uc801\uc73c\ub85c \ubd84\uc11d\ud55c \uacb0\uacfc\ub97c \ud1a0\ub300\ub85c \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9ac\ub294 \uac83\uc774 \uc7ac\ud14c\ud06c \uc2e4\ud328\ub97c \uc904\uc774\ub294 \ud575\uc2ec \ubc29\ubc95\uc785\ub2c8\ub2e4.<\/p>\n\ub610\ud55c, \uc704\ud5d8 \uad00\ub9ac\ub97c \uc704\ud55c \ub610 \ub2e4\ub978 \uc911\uc694\ud55c \ub3c4\uad6c\ub294 \ubc14\ub85c \uc190\uc808\ub9e4 \uae30\uc900\uc758 \uc124\uc815\uc785\ub2c8\ub2e4. \uc190\uc808\ub9e4\ub294 \uc608\uc0c1\uce58 \ubabb\ud55c \uc190\uc2e4\uc744 \ucd5c\uc18c\ud654\ud558\uae30 \uc704\ud574 \ubbf8\ub9ac \uc815\ud55c \uac00\uaca9\ub300\uc5d0\uc11c \uc790\ub3d9\uc73c\ub85c \ub9e4\ub3c4 \uc8fc\ubb38\uc744 \uc2e4\ud589\ud558\ub294 \uc804\ub7b5\uc73c\ub85c, \ud22c\uc790\uc790\ub4e4\uc774 \uac10\uc815\uc5d0 \ud718\ub458\ub9ac\uc9c0 \uc54a\uace0 \uac1d\uad00\uc801\uc778 \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9b4 \uc218 \uc788\uac8c \ub3d5\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c \uc0ac\ub840\ub85c, \ud55c \uc720\uba85 \ud22c\uc790\uc790\ub294 \ub9e4\ub9e4 \uc804 \uc0ac\uc804\uc5d0 \uc815\ud55c \uc190\uc808\ub9e4 \uae30\uc900\uc744 \uc5c4\uaca9\ud788 \uc9c0\ucf1c, \uc2dc\uc7a5\uc758 \uadf9\uc2ec\ud55c \ubcc0\ub3d9\uc131 \uc18d\uc5d0\uc11c\ub3c4 \ud070 \uc190\uc2e4\uc744 \uba74\ud560 \uc218 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uba85\ud655\ud55c \uae30\uc900\uacfc \uc6d0\uce59\uc774 \uc704\uae30 \uc0c1\ud669\uc5d0\uc11c \ud22c\uc790\uc790\uc758 \uc790\uc0b0\uc744 \ubcf4\ud638\ud558\ub294 \ub370 \uc5bc\ub9c8\ub098 \uc911\uc694\ud55c\uc9c0\ub97c \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.<\/p>\n\ub354\ubd88\uc5b4, \ucd5c\uc2e0 \uae08\uc735 \uae30\uc220\uc744 \ud65c\uc6a9\ud55c \uc704\ud5d8 \uad00\ub9ac \uc2dc\uc2a4\ud15c\ub3c4 \uc8fc\ubaa9\ud560 \ub9cc\ud569\ub2c8\ub2e4. \uc778\uacf5\uc9c0\ub2a5(AI)\uacfc \uba38\uc2e0\ub7ec\ub2dd \uae30\uc220\uc744 \uc801\uc6a9\ud55c \ud22c\uc790 \uc5b4\ub4dc\ubc14\uc774\uc800\ub4e4\uc740 \ub300\ub7c9\uc758 \ub370\uc774\ud130\ub97c \ubd84\uc11d\ud574 \uc2e4\uc2dc\uac04\uc73c\ub85c \uc704\ud5d8 \uc2e0\ud638\ub97c \uac10\uc9c0\ud558\uace0, \uc774\uc5d0 \ub530\ub978 \ud22c\uc790 \uc804\ub7b5\uc744 \uc790\ub3d9\uc73c\ub85c \uc870\uc815\ud574\uc90d\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc544\ub798\uc758 Python \ucf54\ub4dc \uc608\uc81c\ub294 \uac04\ub2e8\ud55c \ubcf5\ub9ac \uacc4\uc0b0\uacfc \uc704\ud5d8 \uad00\ub9ac \uae30\uc900\uc744 \uc124\uc815\ud558\ub294 \ubc29\ubc95\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.<\/p>\n<pre><code>\n# Python \uc608\uc81c: \uac04\ub2e8\ud55c \ubcf5\ub9ac \uacc4\uc0b0 \ubc0f \uc704\ud5d8 \uad00\ub9ac \uae30\uc900 \uc124\uc815\ndef compound_interest(principal, rate, periods):\n balance = principal\n for i in range(1, periods+1):\n balance *= (1 + rate)\n # \uc704\ud5d8 \uc2e0\ud638: balance \ud558\ub77d \uc2dc \uacbd\uace0 \uba54\uc2dc\uc9c0 \ucd9c\ub825(\uc608\uc2dc)\n if balance < principal * (1 - 0.1): # 10% \uc774\uc0c1 \uc190\uc2e4 \uc2dc\n print(f"\uacbd\uace0: {i}\uae30\uac04 \ud6c4 \uc790\uc0b0\uc774 \uc6d0\uae08 \ub300\ube44 10% \uc774\uc0c1 \ud558\ub77d\ud588\uc2b5\ub2c8\ub2e4!")\n return balance\n\nif __name__ == "__main__":\n principal_amount = 1000000\n annual_rate = 0.07 # \uc5f0\uc774\uc728 7%\n years = 10\n final_balance = compound_interest(principal_amount, annual_rate, years)\n print(f"\ucd5c\uc885 \uc790\uc0b0: {final_balance:.2f}")\n <\/code><\/pre>\n\uc704 \uc608\uc81c\ub294 \uc7ac\ud14c\ud06c \ucd08\uae30 \ub2e8\uacc4\uc5d0\uc11c \ud22c\uc790\uc790\uac00 \uc790\uc2e0\uc758 \uc790\uc0b0 \uc99d\uc2dd\uc744 \ubaa8\ub2c8\ud130\ub9c1\ud558\uace0, \uc77c\uc815 \uae30\uc900 \uc774\ud558\ub85c \ud558\ub77d\ud560 \uacbd\uc6b0 \uacbd\uace0\ub97c \ubc1b\uc744 \uc218 \uc788\ub3c4\ub85d \uad6c\uc131\ud55c \uac04\ub2e8\ud55c \ucf54\ub4dc\uc785\ub2c8\ub2e4. \uc774\ucc98\ub7fc \ucd5c\uc2e0 \uae30\uc220\uc758 \ub3c4\uc6c0\uc744 \ubc1b\uc544 \uc704\ud5d8\uc744 \uc120\uc81c\uc801\uc73c\ub85c \uad00\ub9ac\ud558\ub294 \uac83\uc774 \uc7ac\ud14c\ud06c \uc2e4\ud328\ub97c \uc608\ubc29\ud558\ub294 \ud6a8\uacfc\uc801\uc778 \ubc29\ubc95 \uc911 \ud558\ub098\uc785\ub2c8\ub2e4.<\/p>\n\ub124\ubc88\uc9f8, \ud22c\uc790 \uc804\ub7b5\uc740 \ub2e8\uc21c\ud788 \ud604\uc7ac \uc2dc\uc7a5 \uc0c1\ud669\ub9cc\uc744 \uace0\ub824\ud558\ub294 \uac83\uc774 \uc544\ub2c8\ub77c, \ubbf8\ub798\uc758 \uc5ec\ub7ec \uac00\ub2a5\uc131\uc744 \uc5f4\uc5b4\ub450\uace0 \uc720\uc5f0\ud558\uac8c \ub300\ucc98\ud560 \uc218 \uc788\uc5b4\uc57c \ud569\ub2c8\ub2e4. \ub2e8\uae30\uc801\uc778 \uc2dc\uc138 \ubcc0\ub3d9\uc5d0 \uc77c\ud76c\uc77c\ube44\ud558\uae30\ubcf4\ub2e4\ub294, \uc7a5\uae30\uc801\uc778 \ud2b8\ub80c\ub4dc\uc640 \uacbd\uc81c \uad6c\uc870 \ubcc0\ud654\ub97c \uc608\uce21\ud558\uace0 \uc774\uc5d0 \ub9de\ucdb0 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uc7ac\uc870\uc815\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc778\uacf5\uc9c0\ub2a5\uacfc \ube45\ub370\uc774\ud130 \ubd84\uc11d\uc744 \ud1b5\ud574 \ud5a5\ud6c4 5\ub144 \ub0b4 \uc0b0\uc5c5\ubcc4 \uc131\uc7a5 \uc804\ub9dd\uc744 \ubd84\uc11d\ud55c \uacb0\uacfc, \uae30\uc220\uc8fc\uc640 \uce5c\ud658\uacbd \uc5d0\ub108\uc9c0 \ubd84\uc57c\uac00 \ub192\uc740 \uc131\uc7a5 \uac00\ub2a5\uc131\uc744 \ubcf4\uc778 \uc0ac\ub840\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\ub2e4\uc12f\ubc88\uc9f8, \uc815\uae30\uc801\uc778 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc810\uac80 \ubc0f \ub9ac\ubc38\ub7f0\uc2f1\uc740 \ud22c\uc790 \uc804\ub7b5\uc758 \uc131\uacf5\uc744 \ubcf4\uc7a5\ud558\ub294 \uc911\uc694\ud55c \uc694\uc18c\uc785\ub2c8\ub2e4. \ucd08\uae30 \ud22c\uc790 \uc804\ub7b5\uc774 \uc544\ubb34\ub9ac \ud6cc\ub96d\ud558\ub354\ub77c\ub3c4 \uc2dc\uc7a5 \uc0c1\ud669\uc740 \ub04a\uc784\uc5c6\uc774 \ubcc0\ud654\ud558\uba70, \uc774\uc5d0 \ub530\ub77c \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131\ub3c4 \uc8fc\uae30\uc801\uc73c\ub85c \uc7ac\uac80\ud1a0\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4. \uc2e4\uc81c\ub85c, \ud55c \ud22c\uc790 \uc804\ubb38 \ub9e4\ub2c8\uc800\ub294 \ubd84\uae30\ub9c8\ub2e4 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uc810\uac80\ud558\uc5ec \uc7a5\uae30\uc801\uc73c\ub85c \uc5f0\ud3c9\uade0 8% \uc774\uc0c1\uc758 \uc548\uc815\uc801\uc778 \uc218\uc775\ub960\uc744 \uae30\ub85d\ud55c \uac83\uc73c\ub85c \uc870\uc0ac\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc0ac\ub840\ub294 \uc815\uae30\uc801\uc778 \uc810\uac80\uacfc \ub9ac\ubc38\ub7f0\uc2f1\uc774 \uc7a5\uae30\uc801\uc778 \ud22c\uc790 \uc131\uacf5\uc5d0 \uacb0\uc815\uc801\uc778 \uc5ed\ud560\uc744 \ud55c\ub2e4\ub294 \uc810\uc744 \uc2dc\uc0ac\ud569\ub2c8\ub2e4.<\/p>\n\uc5ec\uc12f\ubc88\uc9f8, \ud22c\uc790 \ubaa9\ud45c\uc640 \ub9ac\uc2a4\ud06c \ud5c8\uc6a9 \ubc94\uc704\ub97c \uba85\ud655\ud558\uac8c \uc124\uc815\ud558\uace0, \uc774\uc5d0 \ub530\ub978 \ud22c\uc790 \uc6d0\uce59\uc744 \uc218\ub9bd\ud558\ub294 \uac83\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \ubaa9\ud45c\uac00 \uba85\ud655\ud560\uc218\ub85d \ud22c\uc790\uc790\ub294 \uc790\uc2e0\uc758 \uc804\ub7b5\uc5d0 \ub300\ud574 \ub354\uc6b1 \ud655\uc2e0\uc744 \uac00\uc9c8 \uc218 \uc788\uc73c\uba70, \uc608\uae30\uce58 \uc54a\uc740 \uc2dc\uc7a5 \uc0c1\ud669\uc5d0\uc11c\ub3c4 \ud754\ub4e4\ub9ac\uc9c0 \uc54a\uace0 \uc6d0\uce59\uc744 \uc9c0\ud0ac \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uac1c\uc778 \ud22c\uc790\uc790\ubfd0\ub9cc \uc544\ub2c8\ub77c \uae30\uad00 \ud22c\uc790\uc790\ub4e4\ub3c4 \uc774\ub7ec\ud55c \uc6d0\uce59\uc744 \ubc14\ud0d5\uc73c\ub85c \uc131\uacf5\uc801\uc778 \uacb0\uacfc\ub97c \uc774\ub8e8\uc5b4\ub0b4\uace0 \uc788\uc74c\uc744 \ub2e4\uc591\ud55c \uc0ac\ub840\ub97c \ud1b5\ud574 \ud655\uc778\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\uc77c\uacf1\ubc88\uc9f8, \ud22c\uc790 \uc804\ub7b5 \uc218\ub9bd\uc5d0\uc11c\ub294 \ub2e4\uc591\ud55c \uc804\ubb38\uac00\uc758 \uc758\uacac\uacfc \uc2dc\uc7a5 \ubd84\uc11d \uc790\ub8cc\ub97c \ucc38\uace0\ud558\ub294 \uac83\uc774 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \ub3c5\uc790\ub4e4\uc740 \uc99d\uad8c\uc0ac \ub9ac\ud3ec\ud2b8, \uacbd\uc81c \uc804\ubb38 \uc800\ub110, \uadf8\ub9ac\uace0 \uad6d\uc81c \uae08\uc735 \uae30\uad00\uc758 \ubcf4\uace0\uc11c\ub97c \ucc38\uace0\ud558\uc5ec \ubcf4\ub2e4 \uac1d\uad00\uc801\uc778 \uc2dc\uac01\uc73c\ub85c \uc2dc\uc7a5\uc744 \ubc14\ub77c\ubcfc \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788, \ucd5c\uadfc\uc5d0\ub294 \uc628\ub77c\uc778 \ud3ec\ub7fc\uacfc \uc804\ubb38 \ucee4\ubba4\ub2c8\ud2f0\uc5d0\uc11c \uc2e4\uc2dc\uac04\uc73c\ub85c \uc815\ubcf4\ub97c \uacf5\uc720\ud558\ub294 \uc0ac\ub840\uac00 \ub9ce\uc544, \uc774\ub97c \uc801\uadf9 \ud65c\uc6a9\ud558\ub294 \uac83\ub3c4 \ud55c \ubc29\ubc95\uc785\ub2c8\ub2e4.<\/p>\n\uc5ec\ub35f\ubc88\uc9f8, \uac10\uc815\uc5d0 \ud718\ub458\ub9ac\uc9c0 \uc54a\ub294 \ub0c9\uc815\ud55c \ud310\ub2e8\ub825\uc774 \uc7ac\ud14c\ud06c \uc131\uacf5\uc5d0 \uc788\uc5b4\uc11c \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. \ud22c\uc790\uc790\uc758 \uc2ec\ub9ac\uc801 \uc694\uc778\uc774 \ub9ac\uc2a4\ud06c \uad00\ub9ac\uc5d0 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294 \ub9cc\ud07c, \uc790\uae30 \ud1b5\uc81c\ub825\uacfc \uac1d\uad00\uc801\uc778 \uc0ac\uace0\ub97c \uc720\uc9c0\ud558\ub294 \uac83\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uc2ec\ub9ac\uc801 \uc548\uc815\uacfc \uad00\ub828\ub41c \ud22c\uc790 \uc6cc\ud06c\uc20d, \uba58\ud0c8 \uad00\ub9ac \uae30\ubc95 \ub4f1\uc744 \ud559\uc2b5\ud558\ub294 \uac83\ub3c4 \uc7a5\uae30\uc801\uc778 \ud22c\uc790 \uc131\uacf5\uc5d0 \ub9ce\uc740 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n\uc544\ud649\ubc88\uc9f8, \uc5ec\ub7ec \ud22c\uc790 \uc804\ub7b5\uc744 \ubcd1\ud589\ud558\ub294 \uac83\ub3c4 \uc704\ud5d8 \uad00\ub9ac\uc758 \ud6a8\uacfc\uc801\uc778 \ud55c \ubc29\ubc95\uc785\ub2c8\ub2e4. \uc608\ucee8\ub300, \ub2e8\uae30 \ud22c\uc790\uc640 \uc7a5\uae30 \ud22c\uc790\ub97c \ubcd1\ud589\ud558\uac70\ub098, \uc801\uadf9\uc801\uc778 \uc131\uc7a5\uc8fc \ud22c\uc790\uc640 \uc548\uc815\uc801\uc778 \ubc30\ub2f9\uc8fc \ud22c\uc790\ub97c \ud568\uaed8 \uc6b4\uc601\ud558\ub294 \ubc29\uc2dd\uc740 \uc5b4\ub290 \ud55c\ucabd\uc758 \uc2e4\ud328\uac00 \uc804\uccb4 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc744 \uc904\uc77c \uc218 \uc788\ub294 \uc7a5\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uba40\ud2f0 \uc804\ub7b5 \uc811\uadfc\ubc95\uc740 \uc2e4\uc81c \ud22c\uc790 \uc2dc\uc7a5\uc5d0\uc11c\ub3c4 \ub9ce\uc740 \uc804\ubb38\uac00\ub4e4\uc774 \ucc44\ud0dd\ud558\uace0 \uc788\ub294 \ubc29\ubc95\uc785\ub2c8\ub2e4.<\/p>\n\uc5f4\ubc88\uc9f8, \ub9c8\uc9c0\ub9c9\uc73c\ub85c \ud22c\uc790\uc790\ub294 \ud56d\uc0c1 \uc790\uc2e0\ub9cc\uc758 \uae30\ub85d\uacfc \uacbd\ud5d8\uc744 \uccb4\uacc4\uc801\uc73c\ub85c \ub0a8\uaca8\uc57c \ud569\ub2c8\ub2e4. \ud22c\uc790 \uc77c\uc9c0\ub97c \uc791\uc131\ud558\uace0, \ub9e4\ub9e4 \uacb0\uc815\uc758 \uadfc\uac70\uc640 \uacb0\uacfc\ub97c \ubd84\uc11d\ud558\ub294 \uacfc\uc815\uc740 \ud5a5\ud6c4 \ud22c\uc790 \uc804\ub7b5 \uc218\ub9bd\uc5d0 \uc788\uc5b4 \uadc0\uc911\ud55c \uc790\ub8cc\uac00 \ub429\ub2c8\ub2e4. \uc2e4\ud328 \uc0ac\ub840\ubfd0\ub9cc \uc544\ub2c8\ub77c \uc131\uacf5 \uc0ac\ub840\ub97c \uac1d\uad00\uc801\uc73c\ub85c \ubd84\uc11d\ud568\uc73c\ub85c\uc368, \uc790\uc2e0\uc758 \ud22c\uc790 \uc2a4\ud0c0\uc77c\uc744 \uafb8\uc900\ud788 \uc5c5\uadf8\ub808\uc774\ub4dc\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ucc98\ub7fc \uc704\ud5d8 \uad00\ub9ac\uc640 \uc804\ub7b5 \uc218\ub9bd\uc740 \ub2e8\ubc1c\uc801\uc778 \ud559\uc2b5\uc774 \uc544\ub2c8\ub77c, \uc9c0\uc18d\uc801\uc778 \uac1c\uc120\uacfc \ud3c9\uac00\ub97c \ud1b5\ud574 \uc810\uc9c4\uc801\uc73c\ub85c \uc644\uc131\ub418\uc5b4 \uac00\ub294 \uacfc\uc815\uc784\uc744 \uc78a\uc5b4\uc11c\ub294 \uc548 \ub429\ub2c8\ub2e4.<\/p>\n\uc774\uc640 \uac19\uc774 \uc704\ud5d8 \uad00\ub9ac\uc640 \uccb4\uacc4\uc801\uc778 \ud22c\uc790 \uc804\ub7b5 \uc218\ub9bd\uc740 \uc7ac\ud14c\ud06c \uc2e4\ud328\ub97c \ubc29\uc9c0\ud558\ub294 \ub370 \uc788\uc5b4 \ud575\uc2ec\uc801\uc778 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \ud22c\uc790\uc790\ub4e4\uc740 \uc790\uc2e0\uc774 \uac10\ub2f9\ud560 \uc218 \uc788\ub294 \ub9ac\uc2a4\ud06c\uc758 \ubc94\uc704\ub97c \uba85\ud655\ud788 \uc778\uc9c0\ud558\uace0, \uadf8\uc5d0 \ub530\ub978 \uc804\ub7b5\uc744 \uc218\ub9bd\ud558\ub294 \ub370 \uc788\uc5b4 \ucda9\ubd84\ud55c \uc5f0\uad6c\uc640 \ubd84\uc11d\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \ub2e4\uc74c \uc139\uc158\uc5d0\uc11c\ub294 \uc7ac\ud14c\ud06c \ud22c\uc790\uc790\uc758 \uc2ec\ub9ac\uc801 \uc694\uc18c\uc640 \uc2dc\uc7a5 \ubd84\uc11d \uae30\ubc95\uc5d0 \ub300\ud574 \ubcf4\ub2e4 \uc2ec\ub3c4 \uc788\uac8c \ub2e4\ub8e8\uc5b4 \ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n <\/p>\n<h2 id=\"%ec%84%b9%ec%85%98-3-%ec%8b%ac%eb%a6%ac%ec%a0%81-%ec%9a%94%ec%86%8c%ec%99%80-%ec%8b%9c%ec%9e%a5-%eb%b6%84%ec%84%9d-%ea%b0%90%ec%a0%95%ec%9d%98-%ec%a0%9c%ec%96%b4%ec%99%80-%ea%b0%9d%ea%b4%80-vrPkcnCoLU\">\uc139\uc158 3: \uc2ec\ub9ac\uc801 \uc694\uc18c\uc640 \uc2dc\uc7a5 \ubd84\uc11d \u2013 \uac10\uc815\uc758 \uc81c\uc5b4\uc640 \uac1d\uad00\uc801 \uc815\ubcf4 \ud65c\uc6a9<\/h2>\n\uc7ac\ud14c\ud06c\uc5d0\uc11c \uc131\uacf5\uacfc \uc2e4\ud328\ub97c \uac00\ub974\ub294 \uc911\uc694\ud55c \uc694\uc18c \uc911 \ud558\ub098\ub294 \ubc14\ub85c \ud22c\uc790\uc790\uc758 \uc2ec\ub9ac\uc640 \uadf8\uc5d0 \ub530\ub978 \ud589\ub3d9 \uc591\uc2dd\uc785\ub2c8\ub2e4. \uac10\uc815\uc5d0 \ud718\ub458\ub9ac\ub294 \ud22c\uc790\uc790\ub294 \uc2dc\uc7a5\uc758 \uc77c\uc2dc\uc801\uc778 \ubcc0\ub3d9\uc5d0 \uacfc\ubbfc \ubc18\uc751\ud558\uc5ec \ube44\uc774\uc131\uc801\uc778 \uacb0\uc815\uc744 \ub0b4\ub9ac\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \uc774 \uc139\uc158\uc5d0\uc11c\ub294 \uc7ac\ud14c\ud06c \uc2e4\ud328\uc758 \uc6d0\uc778 \uc911 \ud558\ub098\uc778 \uc2ec\ub9ac\uc801 \uc694\uc778\uc744 \ubd84\uc11d\ud558\uace0, \uc774\ub97c \uadf9\ubcf5\ud558\ub294 \ubc29\ubc95 \ubc0f \uac1d\uad00\uc801\uc778 \uc2dc\uc7a5 \ubd84\uc11d \uae30\ubc95\uc5d0 \ub300\ud574 \uc2ec\ub3c4 \uc788\uac8c \uc124\uba85\ud558\uace0\uc790 \ud569\ub2c8\ub2e4. \ucd5c\uc2e0 \uc5f0\uad6c\uc640 \uc0ac\ub840\ub97c \ubc14\ud0d5\uc73c\ub85c, \ud22c\uc790\uc790\uac00 \uc790\uc2e0\uc758 \uac10\uc815\uc744 \uc81c\uc5b4\ud558\uba70 \ub0c9\uc815\ud55c \ud310\ub2e8\uc744 \ub0b4\ub9b4 \uc218 \uc788\ub3c4\ub85d \ub3d5\ub294 \uc804\ub7b5\ub4e4\uc744 \uc18c\uac1c\ud569\ub2c8\ub2e4.<\/p>\n\uccab\uc9f8, \ud22c\uc790\uc790\ub4e4\uc740 \uc790\uc2e0\uc774 \uacaa\uac8c \ub420 \uac10\uc815\uc758 \uae30\ubcf5\uc5d0 \ub300\ud574 \uc0ac\uc804\uc5d0 \uc778\uc2dd\ud558\uace0 \uc900\ube44\ud560 \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uc8fc\uac00\uc758 \uae09\ub4f1\uc774\ub098 \uae09\ub77d, \uc608\uc0c1\uce58 \ubabb\ud55c \ub274\uc2a4\uc640 \uacbd\uc81c \uc9c0\ud45c\uc758 \ubcc0\ud654 \ub4f1\uc740 \ud22c\uc790\uc790\uc5d0\uac8c \ud070 \uc2ec\ub9ac\uc801 \uc2a4\ud2b8\ub808\uc2a4\ub97c \uc120\uc0ac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc0c1\ud669\uc5d0\uc11c \uac10\uc815\uc801\uc73c\ub85c \ub300\uc751\ud558\uac8c \ub418\uba74, \ubd88\ud544\uc694\ud55c \ub9e4\uc218\ub098 \ub9e4\ub3c4\ub85c \uc778\ud574 \uc190\uc2e4\uc744 \ud0a4\uc6b8 \uc704\ud5d8\uc774 \ud07d\ub2c8\ub2e4. \uc2e4\uc81c \uc5f0\uad6c\uc5d0 \ub530\ub974\uba74, \uac10\uc815\uc5d0 \uce58\uc6b0\uce5c \ud22c\uc790 \uacb0\uc815\uc73c\ub85c \uc778\ud574 \ud3c9\uade0 15% \uc774\uc0c1\uc758 \ucd94\uac00 \uc190\uc2e4\uc744 \ubcf8 \uc0ac\ub840\ub4e4\uc774 \ub2e4\uc218 \ubcf4\uace0\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n\ub458\uc9f8, \uc2ec\ub9ac\uc801 \ud1b5\uc81c\ub97c \uc704\ud55c \uad6c\uccb4\uc801\uc778 \ubc29\ubc95\ub860\uc73c\ub85c\ub294 \uba85\uc0c1, \uc2ec\ub9ac\uc0c1\ub2f4, \uadf8\ub9ac\uace0 \ud22c\uc790 \uc77c\uc9c0 \uc791\uc131 \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ub9ce\uc740 \uc131\uacf5\ud55c \ud22c\uc790\uc790\ub4e4\uc774 \uc2a4\ud2b8\ub808\uc2a4 \uad00\ub9ac\uc640 \uac10\uc815 \ud1b5\uc81c\uc758 \uc911\uc694\uc131\uc744 \uc5ed\uc124\ud558\uba70, \uc815\uae30\uc801\uc778 \uc2ec\ub9ac \uc0c1\ub2f4\uc774\ub098 \uba85\uc0c1, \uadf8\ub9ac\uace0 \uccb4\uacc4\uc801\uc778 \ud22c\uc790 \uae30\ub85d \uc720\uc9c0\ub97c \ud1b5\ud574 \uc790\uc2e0\ub9cc\uc758 \uac10\uc815 \uad00\ub9ac \uc2dc\uc2a4\ud15c\uc744 \uad6c\ucd95\ud588\ub2e4\uace0 \ubcf4\uace0\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubc29\ubc95\ub4e4\uc740 \ud22c\uc790\uc790\uac00 \uac10\uc815\uc5d0 \ud718\ub458\ub9ac\uc9c0 \uc54a\uace0 \uac1d\uad00\uc801\uc778 \ub370\uc774\ud130\ub97c \ubc14\ud0d5\uc73c\ub85c \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9b4 \uc218 \uc788\ub3c4\ub85d \ub3d5\ub294 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4.<\/p>\n\uc14b\uc9f8, \uc2dc\uc7a5 \ubd84\uc11d \uc5ed\uc2dc \uac10\uc815\uc5d0 \uc758\uc874\ud558\uc9c0 \uc54a\uace0 \uac1d\uad00\uc801\uc778 \uc815\ubcf4\ub97c \ud65c\uc6a9\ud558\ub294 \uac83\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \ud22c\uc790\uc790\ub4e4\uc740 \ub2e4\uc591\ud55c \uacbd\uc81c \uc9c0\ud45c, \uae08\uc735 \ub9ac\ud3ec\ud2b8, \uadf8\ub9ac\uace0 \ud1b5\uacc4 \ub370\uc774\ud130\ub97c \ubd84\uc11d\ud558\uc5ec \ud569\ub9ac\uc801\uc778 \uacb0\ub860\uc744 \ub3c4\ucd9c\ud574\uc57c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ubbf8\uad6d \uc5f0\ubc29\uc900\ube44\uc81c\ub3c4(Fed)\uc758 \uae08\ub9ac \uc815\ucc45, GDP \uc131\uc7a5\ub960, \uc2e4\uc5c5\ub960 \ub4f1\uc758 \uac70\uc2dc\uacbd\uc81c \uc9c0\ud45c\ub294 \uc2dc\uc7a5\uc758 \uc804\ubc18\uc801\uc778 \ud750\ub984\uc744 \uc774\ud574\ud558\ub294 \ub370 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub370\uc774\ud130\ub4e4\uc740 \ub2e8\uc21c\ud55c \uac10\uc815\uc801 \ud310\ub2e8 \ub300\uc2e0 \uac1d\uad00\uc801\uc778 \ud22c\uc790 \ud310\ub2e8\uc758 \uadfc\uac70\uac00 \ub418\uc5b4 \uc90d\ub2c8\ub2e4.<\/p>\n\ub137\uc9f8, \ucd5c\uadfc\uc5d0\ub294 \uc778\uacf5\uc9c0\ub2a5(AI) \uae30\ubc18\uc758 \ubd84\uc11d \ub3c4\uad6c\ub97c \ud65c\uc6a9\ud55c \uc0ac\ub840\ub3c4 \uc99d\uac00\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. AI\ub294 \ubc29\ub300\ud55c \ub370\uc774\ud130\ub97c \ub2e8\uc2dc\uac04\uc5d0 \ubd84\uc11d\ud574 \ud22c\uc790\uc790\uc5d0\uac8c \ud544\uc694\ud55c \uc815\ubcf4\ub97c \uc81c\uacf5\ud560 \ubfd0\ub9cc \uc544\ub2c8\ub77c, \ud22c\uc790\uc790\uc758 \uc8fc\uad00\uc801\uc778 \ud310\ub2e8\uc5d0\uc11c \ubc97\uc5b4\ub098 \uac1d\uad00\uc801\uc778 \ud1b5\uacc4\ub97c \uc0b0\ucd9c\ud558\ub294 \ub370 \ud06c\uac8c \uae30\uc5ec\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ud55c \ud22c\uc790 \uc804\ubb38 \ud68c\uc0ac\ub294 AI\ub97c \ud65c\uc6a9\ud574 \uc2dc\uc7a5 \ubcc0\ub3d9\uc131\uacfc \uad00\ub828\ub41c \uc2e0\ud638\ub97c \ubbf8\ub9ac \uac10\uc9c0\ud558\uace0, \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \uacbd\uace0 \uba54\uc2dc\uc9c0\ub97c \ubcf4\ub0b4\uc5b4 \uc190\uc2e4\uc744 \uc904\uc774\ub294 \ub370 \ud06c\uac8c \uc131\uacf5\ud558\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n\ub2e4\uc12f\ubc88\uc9f8, \ud22c\uc790 \uc2ec\ub9ac\ub97c \uac1d\uad00\uc801\uc73c\ub85c \ubd84\uc11d\ud560 \uc218 \uc788\ub294 \ub610 \ub2e4\ub978 \ub3c4\uad6c\ub294 \uc2ec\ub9ac\uc801 \ud504\ub85c\ud30c\uc77c\ub9c1\uacfc \ud589\ub3d9 \uae08\uc735\ud559 \uc5f0\uad6c\uc785\ub2c8\ub2e4. \ud589\ub3d9 \uae08\uc735\ud559\uc740 \uc778\uac04\uc758 \ube44\ud569\ub9ac\uc801 \ud22c\uc790 \ud589\ub3d9\uc744 \uc124\uba85\ud558\ub294 \ud559\ubb38\uc73c\ub85c, \uc774\ub97c \ud1b5\ud574 \ud22c\uc790\uc790\ub4e4\uc774 \ud754\ud788 \ube60\uc9c0\uae30 \uc26c\uc6b4 \ud568\uc815\ub4e4\uc744 \ubbf8\ub9ac \uc608\uce21\ud558\uace0 \ub300\ube44\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ucee8\ub300, \uacfc\ub3c4\ud55c \uc790\uc2e0\uac10\uc774\ub098 \uacf5\ud669 \uc0c1\ud0dc\uc5d0\uc11c \ubc1c\uc0dd\ud558\ub294 \ud22c\uc790 \uc2e4\uc218\ub97c \ud1b5\uacc4\uc801\uc73c\ub85c \ubd84\uc11d\ud558\uc5ec, \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \uc0c1\ub300\uc801\uc73c\ub85c \uc548\uc815\uc801\uc778 \ud22c\uc790 \ud328\ud134\uc744 \uc81c\uc2dc\ud558\ub294 \ubc29\ubc95\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\uc5ec\uc12f\ubc88\uc9f8, \uc2e4\uc81c \uc0ac\ub840 \ubd84\uc11d \ub610\ud55c \ud22c\uc790 \uc2ec\ub9ac\uc640 \uc2dc\uc7a5 \ubd84\uc11d\uc5d0 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \ud55c \uc0ac\ub840\ub85c, B\uc528\ub294 \uc8fc\uc2dd \uc2dc\uc7a5\uc5d0\uc11c \ub2e8\uae30\uc801\uc778 \uc18c\ubb38\uc5d0 \uacfc\ubbfc\ud558\uac8c \ubc18\uc751\ud558\uc5ec \ubc18\ubcf5\uc801\uc73c\ub85c \ub9e4\ub9e4\ub97c \uc2e4\ud589\ud558\ub2e4 \ud070 \uc190\uc2e4\uc744 \ubcf4\uc558\uc2b5\ub2c8\ub2e4. \uc774\ud6c4 B\uc528\ub294 \uac10\uc815 \ud1b5\uc81c \ubc0f \uac1d\uad00\uc801 \ub370\uc774\ud130 \ubd84\uc11d\uc744 \uc704\ud574 \uae08\uc735 \uc804\ubb38\uac00\uc640 \uc0c1\ub2f4\ud558\uace0, \ub2e4\uc591\ud55c \uacbd\uc81c \uc9c0\ud45c\uc640 \uc2dc\uc7a5 \ubcf4\uace0\uc11c\ub97c \uae30\ubc18\uc73c\ub85c \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9ac\uae30 \uc2dc\uc791\ud588\uc2b5\ub2c8\ub2e4. \uadf8 \uacb0\uacfc, B\uc528\ub294 \uc774\ud6c4 3\ub144\uac04 \uc548\uc815\uc801\uc778 \uc218\uc775\ub960\uc744 \uae30\ub85d\ud558\uba70 \ud070 \uc804\ud658\uc810\uc744 \ub9de\uc774\ud558\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n\uc77c\uacf1\ubc88\uc9f8, \ud22c\uc790\uc790\ub4e4\uc740 \uc2a4\uc2a4\ub85c\uc758 \uc2ec\ub9ac \uc0c1\ud0dc\ub97c \uc815\uae30\uc801\uc73c\ub85c \uc810\uac80\ud560 \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4. \ud22c\uc790 \uc77c\uc9c0\ub97c \uc791\uc131\ud558\uc5ec \uc790\uc2e0\uc758 \ud22c\uc790 \uacb0\uc815 \uacfc\uc815\uacfc \uadf8\uc5d0 \ub530\ub978 \uc2ec\ub9ac\uc801 \ubcc0\ud654\ub97c \uae30\ub85d\ud558\ub294 \uac83\uc740, \uacfc\uac70\uc758 \uc2e4\uc218\ub97c \uac1d\uad00\uc801\uc73c\ub85c \ubd84\uc11d\ud558\uace0 \uac1c\uc120\uc810\uc744 \ub3c4\ucd9c\ud558\ub294 \ub370 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc790\uae30 \ubd84\uc11d\uc740 \uc7a5\uae30\uc801\uc778 \ud22c\uc790 \uc131\uacf5\uc758 \ubc11\ubc14\ud0d5\uc774 \ub429\ub2c8\ub2e4.<\/p>\n\uc5ec\ub35f\ubc88\uc9f8, \uc2dc\uc7a5 \ubd84\uc11d\uc5d0 \uc55e\uc11c \ud22c\uc790\uc790\ub4e4\uc740 \ub274\uc2a4\uc640 \uc18c\uc15c \ubbf8\ub514\uc5b4 \ub4f1 \ub2e4\uc591\ud55c \uc815\ubcf4 \ub9e4\uccb4\ub97c \uc120\ubcc4\uc801\uc73c\ub85c \ud65c\uc6a9\ud574\uc57c \ud569\ub2c8\ub2e4. \uc778\ud130\ub137 \uc0c1\uc5d0\ub294 \uac80\uc99d\ub418\uc9c0 \uc54a\uc740 \uc815\ubcf4\ub4e4\uc774 \ub118\uccd0\ub098\uae30 \ub54c\ubb38\uc5d0, \uc2e0\ub8b0\ud560 \uc218 \uc788\ub294 \uae08\uc735 \uc815\ubcf4 \uc81c\uacf5 \uc0ac\uc774\ud2b8\ub098 \uacf5\uc2e0\ub825 \uc788\ub294 \uae30\uad00\uc758 \ubc1c\ud45c \uc790\ub8cc\ub97c \ucc38\uace0\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc774\uc640 \ud568\uaed8, \ud22c\uc790\uc790 \uc2a4\uc2a4\ub85c\uac00 \uc5ec\ub7ec \ucd9c\ucc98\uc758 \ub370\uc774\ud130\ub97c \ube44\uad50 \ubd84\uc11d\ud558\ub294 \uc2b5\uad00\uc744 \ub4e4\uc778\ub2e4\uba74, \uac10\uc815\uc801 \ub300\uc751\uc744 \ucd5c\uc18c\ud654\ud560 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4.<\/p>\n\uc544\ud649\ubc88\uc9f8, \uac1d\uad00\uc801\uc778 \uc2dc\uc7a5 \ubd84\uc11d\uc744 \uc704\ud55c \uad50\uc721 \ud504\ub85c\uadf8\ub7a8\uacfc \uc6cc\ud06c\uc20d \ucc38\uc5ec \uc5ed\uc2dc \ud22c\uc790 \uc2ec\ub9ac \uad00\ub9ac\uc5d0 \ub9ce\uc740 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \uc2e4\uc81c\ub85c, \uad6d\ub0b4\uc678 \uc5ec\ub7ec \uae08\uc735\uae30\uad00\uc5d0\uc11c\ub294 \ud22c\uc790\uc790 \uad50\uc721 \ud504\ub85c\uadf8\ub7a8\uc744 \uc6b4\uc601\ud558\uba70, \uc774\ub97c \ud1b5\ud574 \ucd5c\uc2e0 \uc2dc\uc7a5 \ub3d9\ud5a5\uacfc \ubd84\uc11d \uae30\ubc95\uc744 \uc775\ud790 \uc218 \uc788\ub3c4\ub85d \ub3d5\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uad50\uc721\uc740 \ud22c\uc790\uc790\uac00 \uc2ec\ub9ac\uc801 \ubd88\uc548\uac10\uc744 \uc904\uc774\uace0, \ucc28\ubd84\ud558\uac8c \uc2dc\uc7a5\uc744 \ubc14\ub77c\ubcf4\uac8c \ud558\ub294 \ub370 \uae30\uc5ec\ud569\ub2c8\ub2e4.<\/p>\n\uc5f4\ubc88\uc9f8, \ub9c8\uc9c0\ub9c9\uc73c\ub85c \ud22c\uc790 \uc2ec\ub9ac\uc640 \uc2dc\uc7a5 \ubd84\uc11d\uc740 \uacb0\ucf54 \u2018\uc644\ubcbd\ud55c \uc815\ub2f5\u2019\uc744 \uc81c\uc2dc\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ub300\uc2e0, \ub2e4\uc591\ud55c \ubcc0\uc218\uc640 \ub9ac\uc2a4\ud06c\ub97c \uc885\ud569\uc801\uc73c\ub85c \uace0\ub824\ud560 \uc218 \uc788\ub294 \ub2a5\ub825\uc744 \ud0a4\uc6b0\ub294 \uac83\uc774 \ubaa9\ud45c\uc785\ub2c8\ub2e4. \ub04a\uc784\uc5c6\ub294 \ud559\uc2b5\uacfc \uacbd\ud5d8\uc758 \ub204\uc801\uc744 \ud1b5\ud574\uc11c\ub9cc, \ud22c\uc790\uc790\ub294 \uc790\uc2e0\uc758 \uac10\uc815\uc744 \ud6a8\uacfc\uc801\uc73c\ub85c \ud1b5\uc81c\ud558\uace0, \ub370\uc774\ud130\ub97c \uae30\ubc18\uc73c\ub85c \ud55c \ud569\ub9ac\uc801\uc778 \ud310\ub2e8\uc744 \ub0b4\ub9b4 \uc218 \uc788\uac8c \ub429\ub2c8\ub2e4. \uacb0\uad6d, \uc7ac\ud14c\ud06c \uc2e4\ud328\ub97c \ud53c\ud558\uae30 \uc704\ud574\uc11c\ub294 \uc2ec\ub9ac\uc801 \uc694\uc18c\uc640 \uac1d\uad00\uc801 \uc2dc\uc7a5 \ubd84\uc11d \uc0ac\uc774\uc758 \uade0\ud615\uc744 \uc720\uc9c0\ud558\ub294 \uac83\uc774 \ubb34\uc5c7\ubcf4\ub2e4 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n\uc774\uc0c1\uacfc \uac19\uc774, \uc7ac\ud14c\ud06c \ud22c\uc790\uc5d0\uc11c \uac10\uc815\uc758 \uc81c\uc5b4\uc640 \uac1d\uad00\uc801\uc778 \uc2dc\uc7a5 \ubd84\uc11d\uc740 \uc2e4\ud328\ub97c \uc608\ubc29\ud558\uace0 \uc131\uacf5\uc801\uc778 \ud22c\uc790\ub85c \uac00\ub294 \uacb0\uc815\uc801 \uc5f4\uc1e0\uc785\ub2c8\ub2e4. \uac10\uc815\uc758 \uae30\ubcf5\uc5d0 \ud754\ub4e4\ub9ac\uc9c0 \uc54a\uace0 \ucca0\uc800\ud55c \ub370\uc774\ud130 \ubd84\uc11d\uc744 \ubc14\ud0d5\uc73c\ub85c \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9b0\ub2e4\uba74, \ubcc0\ud654\ubb34\uc30d\ud55c \uae08\uc735\uc2dc\uc7a5\uc5d0\uc11c \uc9c0\uc18d \uac00\ub2a5\ud55c \uc131\uacfc\ub97c \uac70\ub458 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4. \ub2e4\uc74c \uc139\uc158\uc5d0\uc11c\ub294 \uc774\uc81c\uae4c\uc9c0\uc758 \ud559\uc2b5\uc744 \ubc14\ud0d5\uc73c\ub85c, \uc2e4\ud328 \ud6c4 \uc5bb\uc740 \uad50\ud6c8\uc744 \ud1b5\ud574 \uc9c0\uc18d \uac00\ub2a5\ud55c \uc7ac\ud14c\ud06c \uc804\ub7b5\uc744 \uc218\ub9bd\ud558\ub294 \ubc29\ubc95\uc5d0 \ub300\ud574 \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n <\/p>\n<h2 id=\"%ec%84%b9%ec%85%98-4-%ec%8b%a4%ed%8c%a8-%ed%9b%84-%ea%b5%90%ed%9b%88%ea%b3%bc-%ec%a7%80%ec%86%8d-%ea%b0%80%eb%8a%a5%ed%95%9c-%ec%9e%ac%ed%85%8c%ed%81%ac-%ec%9e%ac%eb%8f%84%ec%95%bd%ec%9d%84-vrPkcnCoLU\">\uc139\uc158 4: \uc2e4\ud328 \ud6c4 \uad50\ud6c8\uacfc \uc9c0\uc18d \uac00\ub2a5\ud55c \uc7ac\ud14c\ud06c \u2013 \uc7ac\ub3c4\uc57d\uc744 \uc704\ud55c \uc2e4\ucc9c \uc804\ub7b5<\/h2>\n\uc7ac\ud14c\ud06c\uc758 \uc5ec\uc815\uc740 \uc131\uacf5\uacfc \uc2e4\ud328\uac00 \uacf5\uc874\ud558\ub294 \uae34 \uc5ec\uc815\uc785\ub2c8\ub2e4. \ub9ce\uc740 \ud22c\uc790\uc790\ub4e4\uc774 \ucd08\uae30\uc758 \uc2e4\ud328\ub97c \ub51b\uace0 \ub2e4\uc2dc \uc77c\uc5b4\uc11c\uc9c0 \ubabb\ud558\uace0 \uc88c\uc808\ud558\uc9c0\ub9cc, \uadf8 \uc2e4\ud328\ub294 \uace7 \ubbf8\ub798\uc758 \uad50\ud6c8\uc774\uc790 \uc131\uacf5\uc758 \ucd08\uc11d\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uc139\uc158\uc5d0\uc11c\ub294 \uc7ac\ud14c\ud06c \uc2e4\ud328 \ud6c4 \uc5bb\uc740 \uad50\ud6c8\uc744 \ubc14\ud0d5\uc73c\ub85c \ud55c \uc9c0\uc18d \uac00\ub2a5\ud55c \uc7ac\ud14c\ud06c \uc804\ub7b5\uc5d0 \ub300\ud574 \uc2ec\ub3c4 \uc788\uac8c \ub17c\uc758\ud558\uace0, \uc2e4\ud328 \uc0ac\ub840 \ubd84\uc11d\uc744 \ud1b5\ud574 \uc131\uacf5\uc801\uc778 \uc7ac\uae30 \uc804\ub7b5\uc744 \uc218\ub9bd\ud558\ub294 \ubc29\ubc95\uc744 \uc81c\uc2dc\ud569\ub2c8\ub2e4. \uc2e4\ud328\ub97c \uacbd\ud5d8\ud55c \ud22c\uc790\uc790\ub4e4\uc774 \ub2e4\uc2dc \ub3c4\uc57d\ud558\uae30 \uc704\ud574\uc11c\ub294 \ubb34\uc5c7\ubcf4\ub2e4\ub3c4 \uac1d\uad00\uc801\uc778 \uc790\uae30 \ubd84\uc11d\uacfc \uacc4\ud68d \uc218\uc815\uc774 \ud544\uc694\ud558\uba70, \uc774\ub97c \ud1b5\ud574 \uc7ac\ud14c\ud06c \uc804\ub7b5\uc758 \uc644\uc131\ub3c4\ub97c \ub192\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\uccab\uc9f8, \uc7ac\ud14c\ud06c \uc2e4\ud328\ub294 \ub2e8\uc21c\ud55c \uc88c\uc808\uc774 \uc544\ub2c8\ub77c, \ud5a5\ud6c4 \ud22c\uc790 \ubc29\ud5a5\uc744 \uc7ac\uc124\uc815\ud560 \uc218 \uc788\ub294 \uadc0\uc911\ud55c \uae30\ud68c\ub85c \uc0bc\uc544\uc57c \ud569\ub2c8\ub2e4. \uc2e4\ud328\uc758 \uc6d0\uc778\uc744 \ucca0\uc800\ud558\uac8c \ubd84\uc11d\ud558\uace0, \ubcf8\uc778\uc774 \ubc94\ud55c \uc2e4\uc218\ub97c \uba85\ud655\ud558\uac8c \uc778\uc2dd\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ud55c \ud22c\uc790\uc790\uac00 \ub2e8\uae30\uc801\uc778 \uc774\uc775\uc5d0\ub9cc \uc9d1\ucc29\ud558\uc5ec \uc815\uc791 \uc7a5\uae30\uc801\uc778 \uc131\uc7a5 \uac00\ub2a5\uc131\uc774 \ub192\uc740 \uc790\uc0b0\uc744 \ub193\uce5c \uc0ac\ub840\ub97c \ud1b5\ud574, \ubaa9\ud45c \uc124\uc815\uacfc \uc804\ub7b5 \uc218\ub9bd\uc758 \uc911\uc694\uc131\uc744 \uae68\ub2eb\uac8c \ub429\ub2c8\ub2e4. \uc2e4\ud328\ub97c \ud1b5\ud574 \ubc30\uc6b4 \uad50\ud6c8\uc744 \uc815\ub9ac\ud558\uace0, \uc774\ub97c \ubc14\ud0d5\uc73c\ub85c \ubbf8\ub798\uc758 \ud22c\uc790 \uc804\ub7b5\uc744 \uc218\uc815\ud558\ub294 \uac83\uc774 \uc7ac\ub3c4\uc57d\uc758 \uccab\uac78\uc74c\uc785\ub2c8\ub2e4.<\/p>\n\ub458\uc9f8, \uc7ac\ud14c\ud06c \uc2e4\ud328 \ud6c4\uc5d0\ub294 \uac10\uc815\uc801 \ud68c\ubcf5\ubfd0\ub9cc \uc544\ub2c8\ub77c, \uccb4\uacc4\uc801\uc778 \ub370\uc774\ud130 \ubd84\uc11d\uc744 \ud1b5\ud574 \uc790\uc2e0\ub9cc\uc758 \ud22c\uc790 \uc6d0\uce59\uc744 \uc7ac\uc815\ub9bd\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774 \uacfc\uc815\uc5d0\uc11c\ub294 \uacfc\uac70 \ud22c\uc790 \uacfc\uc815\uc5d0\uc11c \uc0ac\uc6a9\ud55c \uc804\ub7b5, \ub9e4\ub9e4 \ud0c0\uc774\ubc0d, \uadf8\ub9ac\uace0 \ub9ac\uc2a4\ud06c \uad00\ub9ac \ubc29\ubc95 \ub4f1\uc744 \uba74\ubc00\ud788 \uac80\ud1a0\ud558\uc5ec \ubb34\uc5c7\uc774 \ud6a8\uacfc\uc801\uc774\uc5c8\uace0, \ubb34\uc5c7\uc774 \uc2e4\ud328\uc758 \uc6d0\uc778\uc774 \ub418\uc5c8\ub294\uc9c0\ub97c \ud30c\uc545\ud560 \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c \uc0ac\ub840\ub85c, \uc2e4\ud328 \uacbd\ud5d8\uc744 \ud1a0\ub300\ub85c \uc778\uc815\ubc1b\ub294 \ud22c\uc790 \uc804\ubb38\uac00\ub4e4\uc740 \ub9e4 \uac70\ub798\ub9c8\ub2e4 \ucca0\uc800\ud55c \uc0ac\ud6c4 \ubd84\uc11d\uc744 \uc218\ud589\ud558\uba70, \uadf8 \uacb0\uacfc\ub97c \uae30\ubc18\uc73c\ub85c \ud22c\uc790 \uc6d0\uce59\uc744 \uba85\ubb38\ud654\ud568\uc73c\ub85c\uc368 \uc7a5\uae30\uc801\uc73c\ub85c \uc548\uc815\ub41c \uc131\uacfc\ub97c \uae30\ub85d\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\uc14b\uc9f8, \uc7ac\ud14c\ud06c \uc2e4\ud328 \ud6c4 \uc7ac\uae30\ud558\uae30 \uc704\ud574\uc11c\ub294 \uafb8\uc900\ud55c \uc790\uae30\uacc4\ubc1c\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uc2dc\uc7a5\uc740 \ub04a\uc784\uc5c6\uc774 \ubcc0\ud654\ud558\uba70, \uc774\uc5d0 \ub530\ub978 \uc0c8\ub85c\uc6b4 \ud22c\uc790 \uc804\ub7b5\uacfc \ubd84\uc11d \uae30\ubc95\uc774 \uacc4\uc18d\ud574\uc11c \ub4f1\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c, \ud22c\uc790\uc790\ub294 \ucd5c\uc2e0 \uc815\ubcf4 \uc2b5\ub4dd\uacfc \ud568\uaed8 \uae08\uc735 \uad00\ub828 \uc804\ubb38 \uc11c\uc801, \uc138\ubbf8\ub098, \uc628\ub77c\uc778 \uac15\uc88c \ub4f1\uc744 \ud1b5\ud574 \uc9c0\uc18d\uc801\uc73c\ub85c \uc9c0\uc2dd\uc744 \uc5c5\ub370\uc774\ud2b8\ud574\uc57c \ud569\ub2c8\ub2e4. \ub9ce\uc740 \uc131\uacf5\ud55c \ud22c\uc790\uc790\ub4e4\uc774 \ub9d0\ud558\ub4ef, \uc7ac\ud14c\ud06c\ub294 \ud3c9\uc0dd \ud559\uc2b5\uc758 \uacfc\uc815\uc774\uba70, \uc2e4\ud328 \ud6c4 \ub354\uc6b1 \uc804\ubb38\uc801\uc778 \uc9c0\uc2dd\uc744 \uc313\ub294 \uac83\uc774 \uc7ac\ub3c4\uc57d\uc758 \ubc1c\ud310\uc774 \ub429\ub2c8\ub2e4.<\/p>\n\ub137\uc9f8, \uc7ac\ud14c\ud06c \uc2e4\ud328 \ud6c4\uc5d0\ub294 \ud22c\uc790\uc790\uc758 \uc2ec\ub9ac\uc801 \uc548\uc815\uc774 \ubb34\uc5c7\ubcf4\ub2e4 \uc911\uc694\ud569\ub2c8\ub2e4. \uc2e4\ud328\uc758 \ucda9\uaca9\uc73c\ub85c \uc778\ud55c \uacfc\ub3c4\ud55c \uc790\ucc45\uc774\ub098 \ubd88\uc548\uac10\uc740 \uc0c8\ub85c\uc6b4 \ud22c\uc790 \uae30\ud68c\ub97c \uc81c\ub300\ub85c \ud3ec\ucc29\ud558\uc9c0 \ubabb\ud558\uac8c \ub9cc\ub4ed\ub2c8\ub2e4. \uc774\ub54c, \uc804\ubb38\uac00\uc640\uc758 \uc0c1\ub2f4, \uc2ec\ub9ac\uce58\ub8cc, \uadf8\ub9ac\uace0 \uac19\uc740 \uacbd\ud5d8\uc744 \uacf5\uc720\ud560 \uc218 \uc788\ub294 \ud22c\uc790 \ub3d9\ud638\ud68c\ub098 \ucee4\ubba4\ub2c8\ud2f0\uc5d0\uc11c\uc758 \uc18c\ud1b5 \ub4f1\uc774 \ud070 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c\ub85c, \uc2ec\ub9ac\uc801 \ud68c\ubcf5\uc744 \uc704\ud55c \uccb4\uacc4\uc801\uc778 \uc9c0\uc6d0 \ud504\ub85c\uadf8\ub7a8\uc744 \ud1b5\ud574 \ub9ce\uc740 \ud22c\uc790\uc790\ub4e4\uc774 \uc2e4\ud328\ub97c \uadf9\ubcf5\ud558\uace0 \uc7ac\uae30\ud55c \uc0ac\ub840\ub4e4\uc774 \ubcf4\uace0\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\ub2e4\uc12f\ubc88\uc9f8, \uc7ac\ud14c\ud06c \uc2e4\ud328\ub97c \ub51b\uace0 \uc77c\uc5b4\uc11c\ub294 \ub610 \ub2e4\ub978 \uc911\uc694\ud55c \uc694\uc18c\ub294 \ud604\uc2e4\uc801\uc778 \ubaa9\ud45c \uc7ac\uc124\uc815\uc785\ub2c8\ub2e4. \uacfc\ub3c4\ud55c \uae30\ub300\uac10\uacfc \ube44\ud604\uc2e4\uc801\uc778 \ubaa9\ud45c\ub294 \ud22c\uc790 \uc2e4\ud328\uc758 \uc8fc\uc694 \uc6d0\uc778 \uc911 \ud558\ub098\ub85c \uc9c0\uc801\ub418\uc5b4 \uc654\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc2e4\ud328\ub97c \uacbd\ud5d8\ud55c \ud6c4\uc5d0\ub294 \uc790\uc2e0\uc758 \uacbd\uc81c\uc801 \uc0c1\ud669, \ud22c\uc790 \uacbd\ud5d8, \uadf8\ub9ac\uace0 \uc2dc\uc7a5 \ud658\uacbd\uc744 \ub2e4\uc2dc \ud55c \ubc88 \uac1d\uad00\uc801\uc73c\ub85c \ud3c9\uac00\ud558\uace0, \ud604\uc2e4\uc801\uc774\uba70 \ub2ec\uc131 \uac00\ub2a5\ud55c \ubaa9\ud45c\ub97c \uc124\uc815\ud558\ub294 \uac83\uc774 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. \uc774 \uacfc\uc815\uc5d0\uc11c \uacbd\uc81c \uc804\ubb38\uac00\ub098 \uc7ac\ud14c\ud06c \ucee8\uc124\ud134\ud2b8\uc758 \uc870\uc5b8\uc744 \uad6c\ud558\ub294 \uac83\ub3c4 \ud6a8\uacfc\uc801\uc778 \ubc29\ubc95\uc785\ub2c8\ub2e4.<\/p>\n\uc5ec\uc12f\ubc88\uc9f8, \uc9c0\uc18d \uac00\ub2a5\ud55c \uc7ac\ud14c\ud06c \uc804\ub7b5\uc740 \ub2e8\uae30\uc801\uc778 \uc218\uc775 \uadf9\ub300\ud654\ubcf4\ub2e4 \uc7a5\uae30\uc801\uc778 \uc548\uc815\uc131\uacfc \uc131\uc7a5\uc5d0 \ucd08\uc810\uc744 \ub9de\ucdb0\uc57c \ud569\ub2c8\ub2e4. \ud22c\uc790\uc790\ub4e4\uc740 \uc7a5\uae30\uc801\uc778 \uc7ac\ubb34 \ubaa9\ud45c\uc640 \uc778\uc0dd \uc124\uacc4\ub97c \uace0\ub824\ud558\uc5ec, \uc790\uc0b0 \ubc30\ubd84 \ubc0f \ub9ac\uc2a4\ud06c \uad00\ub9ac\uc758 \uc6d0\uce59\uc5d0 \ub530\ub77c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\uc131\ud574\uc57c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, 50\ub300 \uc774\uc0c1\uc758 \ud22c\uc790\uc790\ub4e4\uc740 \ub178\ud6c4 \uc900\ube44\ub97c \uc704\ud574 \uc548\uc815\uc801\uc778 \ubc30\ub2f9\uc8fc\uc640 \ucc44\uad8c \ud22c\uc790\uc5d0 \uc9d1\uc911\ud558\ub294 \ubc29\uc2dd\uc744 \uc120\ud0dd\ud558\ub294 \uc0ac\ub840\uac00 \ub9ce\uc73c\uba70, \uc774\ub294 \uc7a5\uae30\uc801\uc778 \uc7ac\uc0b0 \ud615\uc131\uc5d0 \ud070 \ub3c4\uc6c0\uc774 \ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\uc77c\uacf1\ubc88\uc9f8, \uc7ac\ud14c\ud06c \uc2e4\ud328 \ud6c4\uc5d0\ub294 \ubc18\ub4dc\uc2dc \uc790\uc2e0\uc758 \uacbd\ud5d8\uc744 \uae30\ub85d\ud558\uace0, \uc774\ub97c \ubc14\ud0d5\uc73c\ub85c \ud6c4\uc18d \ud22c\uc790 \uc804\ub7b5\uc5d0 \ubc18\uc601\ud558\ub294 \uc2b5\uad00\uc744 \uac16\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \ud22c\uc790 \uc77c\uc9c0\ub97c \uad6c\uccb4\uc801\uc73c\ub85c \uc791\uc131\ud558\uba70, \uc131\uacf5\uacfc \uc2e4\ud328\uc758 \uc6d0\uc778\uc744 \uba85\ud655\ud788 \ubd84\uc11d\ud558\ub294 \uac83\uc740 \ubbf8\ub798\uc758 \ud22c\uc790 \uacb0\uc815\uc5d0 \uc788\uc5b4 \uc911\uc694\ud55c \ucc38\uace0 \uc790\ub8cc\uac00 \ub429\ub2c8\ub2e4. \uc774\uc640 \ud568\uaed8, \uac19\uc740 \uc2e4\ud328\ub97c \ubc18\ubcf5\ud558\uc9c0 \uc54a\uae30 \uc704\ud574 \uc815\uae30\uc801\uc73c\ub85c \ud22c\uc790 \uc804\ub7b5\uc744 \uc7ac\uac80\ud1a0\ud558\uace0 \uc218\uc815\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\uc5ec\ub35f\ubc88\uc9f8, \uc7ac\ud14c\ud06c\uc5d0\uc11c \uc9c0\uc18d \uac00\ub2a5\ud55c \uc131\uc7a5\uc744 \uc704\ud574\uc11c\ub294 \uc678\ubd80 \uc804\ubb38\uac00 \ubc0f \uba58\ud1a0\uc758 \uc9c0\ub3c4\ub97c \ubc1b\ub294 \uac83\ub3c4 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \uae08\uc735 \uc804\ubb38\uac00, \uc790\uc0b0 \uad00\ub9ac \uc804\ubb38\uac00, \uadf8\ub9ac\uace0 \uc7ac\ud14c\ud06c \uc131\uacf5 \uc0ac\ub840\ub97c \uac00\uc9c4 \uc120\ubc30 \ud22c\uc790\uc790\ub4e4\uc758 \uc870\uc5b8\uc740 \uc2e4\ud328 \ud6c4 \uc7ac\uae30\ud558\ub294 \ub370 \uc788\uc5b4 \uc2e4\uc9c8\uc801\uc778 \uac00\uc774\ub4dc\uac00 \ub429\ub2c8\ub2e4. \uc774\ub4e4\uc740 \uacfc\uac70 \uc790\uc2e0\uc774 \uacaa\uc5c8\ub358 \uc5b4\ub824\uc6c0\uacfc \uadf9\ubcf5 \uacfc\uc815\uc744 \uacf5\uc720\ud558\uba70, \ud22c\uc790\uc790\uac00 \uc0c8\ub85c\uc6b4 \uc804\ub7b5\uc744 \uc218\ub9bd\ud558\ub294 \ub370 \ud544\uc694\ud55c \uc778\uc0ac\uc774\ud2b8\ub97c \uc81c\uacf5\ud574 \uc90d\ub2c8\ub2e4.<\/p>\n\uc544\ud649\ubc88\uc9f8, \uc7ac\ud14c\ud06c \uc2e4\ud328 \ud6c4 \uc7ac\ub3c4\uc57d\uc744 \uc704\ud55c \uc911\uc694\ud55c \uc804\ub7b5 \uc911 \ud558\ub098\ub294 \ub9ac\uc2a4\ud06c\uc5d0 \ub300\ud55c \uc0c8\ub85c\uc6b4 \uc811\uadfc \ubc29\uc2dd\uc744 \uc218\ub9bd\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uae30\uc874\uc758 \ud22c\uc790 \uc804\ub7b5\uc5d0\uc11c \ubc18\ubcf5\ub418\uc5c8\ub358 \ubb38\uc81c\uc810\uc744 \ud30c\uc545\ud558\uace0, \uadf8\uc5d0 \ub530\ub978 \uc0c8\ub85c\uc6b4 \ub9ac\uc2a4\ud06c \uad00\ub9ac \uae30\ubc95\uc744 \ub3c4\uc785\ud558\ub294 \uac83\uc774 \ud544\uc218\uc785\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc2dc\uc7a5\uc758 \ubcc0\ub3d9\uc131\uc5d0 \ub300\ube44\ud55c \uc635\uc158 \uac70\ub798\ub098 \ud5f7\uc9c0 \ud380\ub4dc \uc6b4\uc6a9 \ub4f1\uc758 \uae30\uc220\uc740 \uc2e4\ud328\ub97c \uadf9\ubcf5\ud558\uace0 \uc55e\uc73c\ub85c\uc758 \uc131\uacf5\uc744 \ub3c4\ubaa8\ud558\ub294 \ub370 \ud6a8\uacfc\uc801\uc778 \ubc29\ubc95\uc73c\ub85c \ud65c\uc6a9\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\uc5f4\ubc88\uc9f8, \ub9c8\uc9c0\ub9c9\uc73c\ub85c \uc8fc\uc694\ud55c \uc131\uacf5 \uc804\ub7b5\uc740 \uc2e4\ud328\ub97c \ub450\ub824\uc6cc\ud558\uc9c0 \uc54a\uace0, \uc624\ud788\ub824 \uc774\ub97c \uc790\uc2e0\ub9cc\uc758 \uc131\uc7a5 \uc790\uc0b0\uc73c\ub85c \uc0bc\ub294 \uae0d\uc815\uc801\uc778 \ub9c8\uc778\ub4dc\ub97c \ud615\uc131\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uc2e4\ud328\ub97c \ud1b5\ud574 \uc5bb\uc740 \uad50\ud6c8\uc740 \uc544\ubb34\ub9ac \uac12\uc9c4 \ud22c\uc790 \uacbd\ud5d8\ubcf4\ub2e4\ub3c4 \uc911\uc694\ud55c \uc790\uc0b0\uc774\uba70, \uc774\ub97c \uae30\ubc18\uc73c\ub85c \ud55c \uc7ac\ud14c\ud06c \uc804\ub7b5\uc740 \uc7a5\uae30\uc801\uc73c\ub85c \uc548\uc815\uc801\uc778 \uc131\uacfc\ub97c \ubcf4\uc7a5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub9ce\uc740 \uc131\uacf5\ud55c \ud22c\uc790\uc790\ub4e4\uc740 \ud55c\ub54c \uacaa\uc5c8\ub358 \uc2e4\ud328\uc758 \uacbd\ud5d8\uc774 \uc788\uc5c8\uae30\uc5d0 \uc9c0\uae08\uc758 \uc548\uc815\uc801\uc778 \ud22c\uc790 \uc804\ub7b5\uc744 \uc218\ub9bd\ud560 \uc218 \uc788\uc5c8\ub2e4\uace0 \ud68c\uace0\ud569\ub2c8\ub2e4.<\/p>\n\uc774\uc640 \uac19\uc774 \uc7ac\ud14c\ud06c \uc2e4\ud328 \ud6c4 \uad50\ud6c8\uc744 \ud1b5\ud55c \uc9c0\uc18d \uac00\ub2a5\ud55c \uc7ac\ud14c\ud06c \uc804\ub7b5\uc740, \ub2e8\uc21c\ud788 \uc77c\uc2dc\uc801\uc778 \uc131\uacf5\uc5d0 \uba38\ubb34\ub974\uc9c0 \uc54a\uace0 \uc7a5\uae30\uc801\uc778 \uc790\uc0b0 \uad00\ub9ac\ub97c \uc704\ud574 \ubc18\ub4dc\uc2dc \ud544\uc694\ud55c \uc694\uc18c\uc785\ub2c8\ub2e4. \uc2e4\ud328\ub97c \uacbd\ud5d8\ud55c \ud6c4\uc5d0\ub3c4 \ud3ec\uae30\ud558\uc9c0 \uc54a\uace0, \uafb8\uc900\ud788 \uc790\uae30 \ubc18\uc131\uacfc \ud559\uc2b5\uc744 \uacc4\uc18d\ud558\ub294 \ud22c\uc790\uc790\ub9cc\uc774 \ubbf8\ub798\uc758 \ubd88\ud655\uc2e4\uc131\uc744 \uadf9\ubcf5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ubbc0\ub85c, \uc790\uc2e0\uc758 \uc2e4\ud328\uc5d0\uc11c \uc5bb\uc740 \uacbd\ud5d8\uc744 \ubc14\ud0d5\uc73c\ub85c \uc7ac\ubb34 \uacc4\ud68d\uc744 \uc7ac\uc815\ube44\ud558\uace0, \uc0c8\ub85c\uc6b4 \ud22c\uc790 \uae30\ud68c\ub97c \ubaa8\uc0c9\ud558\uba70, \uccb4\uacc4\uc801\uc778 \ub9ac\uc2a4\ud06c \uad00\ub9ac \uc2dc\uc2a4\ud15c\uc744 \uac16\ucd94\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n\uc694\uc57d\ud558\uc790\uba74, \uc7ac\ud14c\ud06c \uc2e4\ud328\ub97c \ud53c\ud558\uae30 \uc704\ud55c 5\uac00\uc9c0 \ubc29\ubc95\uc740 \uae30\ucd08 \uad50\uc721\uacfc \uc900\ube44, \ucca0\uc800\ud55c \uc704\ud5d8 \uad00\ub9ac\uc640 \uc804\ub7b5 \uc218\ub9bd, \ud22c\uc790 \uc2ec\ub9ac \ubc0f \uc2dc\uc7a5 \ubd84\uc11d, \uadf8\ub9ac\uace0 \uc2e4\ud328 \ud6c4 \uad50\ud6c8\uc744 \ud1b5\ud55c \uc7ac\ub3c4\uc57d\uc758 \ub124 \uac00\uc9c0 \uce21\uba74\uc5d0\uc11c \uc811\uadfc\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uac01 \ub2e8\uacc4\ub9c8\ub2e4 \uad6c\uccb4\uc801\uc778 \ubd84\uc11d\uacfc \uc2e4\uc81c \uc0ac\ub840, \ucd5c\uc2e0 \uae30\uc220\uc744 \ud65c\uc6a9\ud55c \uc811\uadfc \ubc29\uc2dd\uc774 \uacb0\ud569\ub418\uc5b4 \uc788\uc73c\uba70, \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \uc2e4\uc9c8\uc801\uc774\uace0 \uc815\ubcf4\uc5d0 \uae30\ubc18\ud55c \uc9c0\uce68\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc774\uc640 \uac19\uc740 \uc811\uadfc\ubc95\uc740 \uc7ac\ud14c\ud06c\uc5d0 \uc131\uacf5\ud560 \uac00\ub2a5\uc131\uc744 \ud68d\uae30\uc801\uc73c\ub85c \ub192\uc774\ub294 \ub3d9\uc2dc\uc5d0, \uc608\uc0c1\uce58 \ubabb\ud55c \uc704\uae30 \uc0c1\ud669\uc5d0\uc11c\ub3c4 \uc548\uc815\uc801\uc778 \uc790\uc0b0 \uc99d\uc2dd\uc744 \ud560 \uc218 \uc788\uac8c \ub3c4\uc640\uc90d\ub2c8\ub2e4.<\/p>\n\uacb0\ub860\uc801\uc73c\ub85c, \uc7ac\ud14c\ud06c \uc2e4\ud328\ub294 \ud53c\ud560 \uc218 \uc5c6\ub294 \uacbd\ud5d8\uc77c \uc218 \uc788\uc73c\ub098, \uc774\ub97c \ud1b5\ud574 \uc5bb\uc740 \uad50\ud6c8\uacfc \uac1c\uc120 \ubc29\uc548\uc744 \ubc14\ud0d5\uc73c\ub85c \ubbf8\ub798\uc758 \uc131\uacf5\uc73c\ub85c \uc5f0\uacb0\uc2dc\ud0ac \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc2e4\ud328\ub294 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{"id":56901,"date":"2025-03-16T09:09:35","date_gmt":"2025-03-16T00:09:35","guid":{"rendered":"https:\/\/m9js.shop\/blog\/lifestyle\/5-ways-to-avoid-investment-failure"},"modified":"2025-03-16T09:09:38","modified_gmt":"2025-03-16T00:09:38","slug":"5-ways-to-avoid-investment-failure","status":"publish","type":"post","link":"https:\/\/m9js.shop\/blog\/lifestyle\/5-ways-to-avoid-investment-failure","title":{"rendered":"\uc7ac\ud14c\ud06c \uc2e4\ud328\ub97c \ud53c\ud558\ub294 5\uac00\uc9c0 \ubc29\ubc95"},"content":{"rendered":"

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