{"id":57274,"date":"2025-03-20T21:54:21","date_gmt":"2025-03-20T12:54:21","guid":{"rendered":"https:\/\/m9js.shop\/blog\/lifestyle\/how-to-use-economic-news-for-fresh-graduates"},"modified":"2025-03-20T21:54:26","modified_gmt":"2025-03-20T12:54:26","slug":"how-to-use-economic-news-for-fresh-graduates","status":"publish","type":"post","link":"https:\/\/m9js.shop\/blog\/lifestyle\/how-to-use-economic-news-for-fresh-graduates","title":{"rendered":"\uc0ac\ud68c \ucd08\ub144\uc0dd\uc744 \uc704\ud55c \uacbd\uc81c \ub274\uc2a4 \ud65c\uc6a9\ubc95"},"content":{"rendered":"<ul class=\"toc_post_list\">\n<li>\n<h2>\ubaa9\ucc28<\/h2>\n<ul>\n<li><a href=\"#%ec%82%ac%ed%9a%8c-%ec%b4%88%eb%85%84%ec%83%9d%ec%9d%84-%ec%9c%84%ed%95%9c-%ea%b2%bd%ec%a0%9c-%eb%89%b4%ec%8a%a4-%ed%99%9c%ec%9a%a9%eb%b2%95-%ec%8b%9c%ec%9e%91%ed%95%98%eb%a9%b0-nbQhjhpoml\">\uc0ac\ud68c \ucd08\ub144\uc0dd\uc744 \uc704\ud55c \uacbd\uc81c \ub274\uc2a4 \ud65c\uc6a9\ubc95: \uc2dc\uc791\ud558\uba70<\/a><\/li>\n<li><a href=\"#%ec%84%b9%ec%85%98-1-%ea%b2%bd%ec%a0%9c-%eb%89%b4%ec%8a%a4-%ec%9d%b4%ed%95%b4%ec%9d%98-%ea%b8%b0%ec%b4%88-nbQhjhpoml\">\uc139\uc158 1: \uacbd\uc81c \ub274\uc2a4 \uc774\ud574\uc758 \uae30\ucd08<\/a><\/li>\n<li><a href=\"#%ec%84%b9%ec%85%98-2-%ec%82%ac%ed%9a%8c-%ec%b4%88%eb%85%84%ec%83%9d%ec%97%90%ea%b2%8c-%ed%95%84%ec%9a%94%ed%95%9c-%ea%b2%bd%ec%a0%9c-%eb%89%b4%ec%8a%a4-%eb%b6%84%ec%84%9d-%ec%8a%a4%ed%82%ac-nbQhjhpoml\">\uc139\uc158 2: \uc0ac\ud68c \ucd08\ub144\uc0dd\uc5d0\uac8c \ud544\uc694\ud55c \uacbd\uc81c \ub274\uc2a4 \ubd84\uc11d \uc2a4\ud0ac<\/a><\/li>\n<li><a href=\"#%ec%84%b9%ec%85%98-3-%ed%88%ac%ec%9e%90-%ea%b4%80%eb%a0%a8-%ec%b5%9c%ec%8b%a0-%eb%8f%99%ed%96%a5%ea%b3%bc-%ea%b2%bd%ec%a0%9c-%eb%89%b4%ec%8a%a4-%ed%99%9c%ec%9a%a9-nbQhjhpoml\">\uc139\uc158 3: \ud22c\uc790 \uad00\ub828 \ucd5c\uc2e0 \ub3d9\ud5a5\uacfc \uacbd\uc81c \ub274\uc2a4 \ud65c\uc6a9<\/a><\/li>\n<li><a href=\"#%ec%84%b9%ec%85%98-4-%ea%b2%bd%ec%a0%9c-%eb%89%b4%ec%8a%a4%eb%a1%9c-%eb%82%98%eb%a7%8c%ec%9d%98-%ec%9e%ac%eb%ac%b4-%ec%a0%84%eb%9e%b5-%ec%84%b8%ec%9a%b0%ea%b8%b0-nbQhjhpoml\">\uc139\uc158 4: \uacbd\uc81c \ub274\uc2a4\ub85c \ub098\ub9cc\uc758 \uc7ac\ubb34 \uc804\ub7b5 \uc138\uc6b0\uae30<\/a><\/li>\n<li><a href=\"#%ea%b2%b0%eb%a1%a0-%ea%b2%bd%ec%a0%9c-%eb%89%b4%ec%8a%a4%eb%a5%bc-%ed%86%b5%ed%95%b4-%ec%82%ac%ed%9a%8c-%ec%b4%88%eb%85%84%ec%83%9d%ec%9d%b4-%ec%96%bb%ec%9d%84-%ec%88%98-%ec%9e%88%eb%8a%94-%ed%86%b5-nbQhjhpoml\">\uacb0\ub860: \uacbd\uc81c \ub274\uc2a4\ub97c \ud1b5\ud574 \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \uc5bb\uc744 \uc218 \uc788\ub294 \ud1b5\ucc30<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h1 id=\"%ec%82%ac%ed%9a%8c-%ec%b4%88%eb%85%84%ec%83%9d%ec%9d%84-%ec%9c%84%ed%95%9c-%ea%b2%bd%ec%a0%9c-%eb%89%b4%ec%8a%a4-%ed%99%9c%ec%9a%a9%eb%b2%95-%ec%8b%9c%ec%9e%91%ed%95%98%eb%a9%b0-nbQhjhpoml\">\uc0ac\ud68c \ucd08\ub144\uc0dd\uc744 \uc704\ud55c \uacbd\uc81c \ub274\uc2a4 \ud65c\uc6a9\ubc95: \uc2dc\uc791\ud558\uba70<\/h1>\n<p>\uc0ac\ud68c\uc5d0 \uccab\ubc1c\uc744 \ub0b4\ub51b\ub294 \uc21c\uac04, \ub204\uad6c\ub098 \ub9c8\uc8fc\ud558\uac8c \ub418\ub294 \uc911\uc694\ud55c \uacfc\uc81c \uc911 \ud558\ub098\ub294 \ubc14\ub85c \u2018\uacbd\uc81c\uc801 \uc548\uc815\uc744 \uc5b4\ub5bb\uac8c \uad6c\ucd95\ud560 \uac83\uc778\uac00\u2019 \ud558\ub294 \ubb38\uc81c\uc785\ub2c8\ub2e4. \ubb3c\uac00 \uc0c1\uc2b9, \uae08\ub9ac \ubcc0\ud654, \uc8fc\ud0dd \uc2dc\uc7a5 \ubcc0\ub3d9 \ub4f1 \uacbd\uc81c \uc804\ubc18\uc758 \ud750\ub984\uc774 \ub9c9 \uc0ac\ud68c\uc5d0 \uc9c4\ucd9c\ud55c \uc0ac\ub78c\ub4e4\uc5d0\uac8c\ub294 \ub54c\ub85c \ub9c9\uc5f0\ud558\uace0 \ubcf5\uc7a1\ud558\uac8c \ub290\uaef4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uacbd\uc81c \ub274\uc2a4\uc640 \uc815\ubcf4\ub97c \ud6a8\uacfc\uc801\uc73c\ub85c \ud65c\uc6a9\ud55c\ub2e4\uba74, \uc774\ub7ec\ud55c \ubd88\ud655\uc2e4\uc131\uacfc \ubcf5\uc7a1\ud568\uc744 \ub9c8\uc8fc\ud588\uc744 \ub54c \uc870\uae08 \ub354 \uccb4\uacc4\uc801\uc774\uace0 \ud604\uba85\ud558\uac8c \ub300\uc751\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \ud604\ub300\uc0ac\ud68c\uc5d0\uc11c\ub294 \uacbd\uc81c \ub274\uc2a4\uac00 \ub9e4\uc77c\uac19\uc774 \uc3df\uc544\uc9c0\uace0, \uadf8 \uc591\uc774 \ubc29\ub300\ud574\uc9c4 \ub9cc\ud07c \uc774\ub97c \ub2e8\uc21c\ud788 \uc18c\ube44\ud558\ub294 \ub370 \uadf8\uce58\uc9c0 \uc54a\uace0, \uc790\uc2e0\uc758 \uc7ac\ubb34 \uc0c1\ud0dc\uc640 \uc5f0\uacc4\ud574 \uc2e4\uc9c8\uc801\uc778 \ucc59\uae40\uc73c\ub85c \uc5f0\uacb0\ud558\ub294 \ub178\ub825\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc774 \uae00\uc5d0\uc11c\ub294 \u2018\uc0ac\ud68c \ucd08\ub144\uc0dd\uc744 \uc704\ud55c \uacbd\uc81c \ub274\uc2a4 \ud65c\uc6a9\ubc95\u2019\uc744 \ud070 \ud2c0\uc5d0\uc11c \ub124 \uac1c \uc139\uc158\uc73c\ub85c \ub098\ub204\uc5b4 \uc0b4\ud3b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \uac01\uac01\uc758 \uc139\uc158\uc740 \uacbd\uc81c \ub274\uc2a4 \ud30c\uc545\uc758 \uae30\ubcf8\ubd80\ud130 \uc2e4\uc81c \ud22c\uc790 \ub3d9\ud5a5, \uadf8\ub9ac\uace0 \ub098\ub9cc\uc758 \uc7ac\ubb34 \uc804\ub7b5 \uc218\ub9bd\uae4c\uc9c0 \ub2e4\uc591\ud558\uace0 \uad6c\uccb4\uc801\uc778 \uc815\ubcf4\ub97c \ub2e4\ub8f0 \uc608\uc815\uc785\ub2c8\ub2e4. \uac01 \uc139\uc158\uc740 \ucd5c\uc18c 10\uac1c \uc774\uc0c1\uc758 \ubb38\ub2e8\uc73c\ub85c \uad6c\uc131\ud558\uc5ec, \ucda9\ubd84\ud55c \uae4a\uc774\uc640 \uc2e4\uc81c \ud65c\uc6a9 \uc0ac\ub840 \ubc0f \uc5f0\uad6c \uacb0\uacfc\ub97c \uc81c\uc2dc\ud569\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\uc73c\ub85c\uc11c \ubbf8\ub798\ub97c \uc124\uacc4\ud558\ub294 \uacfc\uc815\uc5d0\uc11c, \uc774 \uae30\uc0ac\uac00 \uc81c\uacf5\ud558\ub294 \uc815\ubcf4\ub97c \ubc1c\ud310 \uc0bc\uc544 \ub354\uc6b1 \ud0c4\ud0c4\ud55c \uacbd\uc81c\uc801 \uae30\ubc18\uc744 \ub9c8\ub828\ud558\uc2e4 \uc218 \uc788\uae30\ub97c \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n<h2 id=\"%ec%84%b9%ec%85%98-1-%ea%b2%bd%ec%a0%9c-%eb%89%b4%ec%8a%a4-%ec%9d%b4%ed%95%b4%ec%9d%98-%ea%b8%b0%ec%b4%88-nbQhjhpoml\">\uc139\uc158 1: \uacbd\uc81c \ub274\uc2a4 \uc774\ud574\uc758 \uae30\ucd08<\/h2>\n<p>\uc0ac\ud68c\uc5d0 \uccab \ubc1c\uc744 \ub0b4\ub51b\ub294 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \uacbd\uc81c \ub274\uc2a4\ub294 \ub0af\uc120 \uc6a9\uc5b4\uc640 \uac1c\ub150\uc758 \uc5f0\uc18d\uc77c \ub54c\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \uc6a9\uc5b4 \uc790\uccb4\ub3c4 \uc5b4\ub835\uace0, \uc218\ub9ce\uc740 \uc22b\uc790\uc640 \uc9c0\ud45c\uac00 \ub4a4\uc11e\uc5ec \uc788\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \u2018\uae08\ub9ac\u2019\ub77c\ub294 \ub2e8\uc5b4\ub294 \ub9ce\uc774 \ub4e4\uc5b4\ubcf4\uc558\uc744\uc9c0 \ubab0\ub77c\ub3c4, \uae08\ub9ac \uc778\uc0c1\uacfc \uc778\ud558\uac00 \uc2e4\uc81c\ub85c \uc5b4\ub5a4 \uccb4\uacc4\uc801 \ubcc0\ud654\ub97c \uac00\uc838\uc624\ub294\uc9c0 \uc801\ud655\ud558\uac8c \uc774\ud574\ud558\uae30\ub294 \uc27d\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ub610\ud55c GDP, CPI, \ud658\uc728, \ubb34\uc5ed\uc218\uc9c0\uc640 \uac19\uc740 \ub9e4\ud06c\ub85c \uc9c0\ud45c\ubd80\ud130 \uae30\uc5c5 \uc2e4\uc801, \ubd80\ub3d9\uc0b0 \uac00\uaca9 \ubcc0\ub3d9, \uc8fc\uc2dd \uc2dc\uc7a5 \ud750\ub984\uae4c\uc9c0 \uac01\uc885 \uc815\ubcf4\uac00 \ub3d9\uc2dc\uc5d0 \uc3df\uc544\uc9d1\ub2c8\ub2e4. \uc774\ub54c \uc5ec\ub7ec \ub9e4\uccb4\uc5d0\uc11c \uc804\ud558\ub294 \uacbd\uc81c \ub274\uc2a4\ub97c \ud6a8\uacfc\uc801\uc73c\ub85c \uc774\ud574\ud558\ub824\uba74, \uba3c\uc800 \ud575\uc2ec \uc6a9\uc5b4\uc640 \uae30\ubcf8 \uac1c\ub150\uc744 \uc219\uc9c0\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc608\ucee8\ub300 \uc2e4\uc5c5\ub960\uc774 \uc624\ub97c \ub54c\ub294 \uc18c\ube44 \uc2ec\ub9ac\uac00 \uc131\uc7a5\uc774 \ub454\ud654\ub420 \uc218 \uc788\uace0, \uc774\ub294 \uace7 \uc5ec\ub7ec \uc5c5\uc885\uc5d0\uc11c \ud22c\uc790\uac00 \uc704\ucd95\ub418\uace0 \uc0c8\ub85c\uc6b4 \uace0\uc6a9 \ucc3d\ucd9c\uc774 \uc5b4\ub824\uc6cc\uc9c8 \uac00\ub2a5\uc131\uc774 \ub192\uc2b5\ub2c8\ub2e4. \ubc18\ub300\ub85c \uae08\ub9ac \uc778\ud558 \uc815\ucc45\uc774 \ubc1c\ud45c\ub420 \ub54c\ub294 \uae30\uc5c5\uacfc \uac1c\uc778 \ubaa8\ub450 \ub300\ucd9c \uc774\uc790\uac00 \uc644\ud654\ub418\ubbc0\ub85c, \ud22c\uc790\uc640 \uc18c\ube44 \ud65c\ub3d9\uc774 \ud65c\ubc1c\ud574\uc9c8 \uac83\uc774\ub77c\ub294 \uae30\ub300\uac00 \uc0dd\uae38 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc774\ub7ec\ud55c \uac70\uc2dc\uc801 \ud750\ub984 \ud558\ub098\ub9cc\uc73c\ub85c \uc804\uccb4 \uacbd\uc81c\uac00 \uc6c0\uc9c1\uc774\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. \ub54c\ubb38\uc5d0 \ub2e4\uc591\ud55c \uc694\uc18c\ub97c \uc885\ud569\uc801\uc73c\ub85c \uace0\ub824\ud574\uc57c \uc885\ud569\uc801\uc778 \ud310\ub2e8\uc744 \ub0b4\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \ub193\uce58\uae30 \uc26c\uc6b4 \ubd80\ubd84\uc740, \uc774 \uac70\uc2dc \uc9c0\ud45c\uac00 \uc790\uc2e0\uc774 \uc2e4\uc81c \uc18d\ud55c \uc0b0\uc5c5\uacfc \uc9c0\uc5ed \uadf8\ub9ac\uace0 \uac1c\uc778 \uc7ac\uc815 \uc0c1\ud669\uc5d0 \uc5b4\ub5bb\uac8c \uacb0\ud569\ub418\ub294\uc9c0 \uad6c\uccb4\uc801\uc73c\ub85c \uc0b4\ud53c\ub294 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc0ac\ud68c \ucd08\ub144\uc0dd \uc2dc\uae30\uc5d0 \uc811\ud558\ub294 \uacbd\uc81c \ub274\uc2a4\ub294 \u2018\uac1c\ub150\uc758 \ud2c0\u2019\uc744 \uc7a1\uc544\uc8fc\ub294 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uac00\ub839 \u201cGDP\uac00 2\ubd84\uae30 \uc5f0\uc18d \ud558\ub77d\u201d\ud588\ub2e4\ub294 \uc18c\uc2dd\uc774 \ub4e4\ub9b0\ub2e4\uba74, \uc774\ub294 \uacbd\uae30 \uce68\uccb4\ub97c \uc758\ubbf8\ud560 \uc218 \uc788\ub2e4\ub294 \uc810\uc744 \ud30c\uc545\ud574\uc57c \ud569\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ub3d9\uc2dc\uc5d0 \ub0b4\uc218 \ubd80\ud765 \uc815\ucc45\uc774\ub098 \uc2e0\uc0b0\uc5c5\uc5d0 \ub300\ud55c \uc815\ubd80 \uc9c0\uc6d0\uc774 \uc788\ub2e4\uba74, \uc77c\ubd80 \ubd84\uc57c\ub294 \uce68\uccb4 \uc18d\uc5d0\uc11c\ub3c4 \ud65c\ub85c\ub97c \ucc3e\uc744 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \ubb34\uc5c7\uc774 \uc804\uccb4 \uacbd\uc81c\uc758 \ub3d9\uc778\uc774 \ub418\uace0, \ub610 \ubb34\uc5c7\uc774 \ud2b9\uc815 \uc2dc\uc7a5\uc758 \ubd80\uc9c4 \ub610\ub294 \ud638\ud669\uc744 \uc774\ub044\ub294\uc9c0 \ud30c\uc545\ud558\uae30 \uc704\ud574\uc11c\ub294, \uc8fc\uc5b4\uc9c4 \uc9c0\ud45c\ub4e4\uc774 \uc5b4\ub5a4 \ub9e5\ub77d\uc5d0\uc11c \ub4f1\uc7a5\ud588\ub294\uc9c0\ub97c \uc774\ud574\ud574\uc57c \ud569\ub2c8\ub2e4. \uc989, \ub274\uc2a4 \uc18d \uc9c0\ud45c\uac00 \uc6d0\uc778\uc778\uc9c0 \uacb0\uacfc\uc778\uc9c0, \ud639\uc740 \ub2e8\uc21c\ud55c \ucc38\uace0 \uc9c0\ud45c\uc778\uc9c0 \uc54c \uc218 \uc788\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\uc774\ub7ec\ud55c \ub9e5\ub77d\uc744 \ud30c\uc545\ud558\uae30 \uc704\ud574\uc11c\ub294 \uacbd\uc81c \ub274\uc2a4\ub97c \uc811\ud560 \ub54c \ubb34\uc870\uac74 \ud558\ub098\uc758 \uae30\uc0ac\uc5d0\ub9cc \uc758\uc874\ud558\uae30\ubcf4\ub2e4\ub294, \ucd5c\uc18c\ud55c \ubc18\ub300\ub418\ub294 \uc2dc\uac01\uc774\ub098 \ub2e4\ub978 \ub9e4\uccb4\uc758 \ubd84\uc11d\uc744 \ud568\uaed8 \ucc3e\uc544\ubcf4\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \uc5b4\ub5a4 \ub9e4\uccb4\uc5d0\uc11c\ub294 \u2018\ubd80\ub3d9\uc0b0 \uc2dc\uc7a5 \ubd95\uad34\u2019\ub97c \uac15\uc870\ud560 \uc218 \uc788\uc9c0\ub9cc, \ub2e4\ub978 \ub9e4\uccb4\uc5d0\uc11c\ub294 \ud604\uc7ac \uac70\ub798\ub7c9\uc774 \uce68\uccb4\uc9c0\ub9cc \ud2b9\uc815 \uc9c0\uc5ed\uc740 \uac1c\ubc1c \ud638\uc7ac\uc5d0 \uc758\ud574 \uadf9\ubcf5 \uac00\ub2a5\uc131\uc774 \uc788\ub2e4\uace0 \uc5b8\uae09\ud560 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub97c \uc801\uc808\ud788 \ube44\uad50\ud558\uace0, \uac1c\uc778\uc801\uc73c\ub85c \uac80\uc99d\ud560 \uc218 \uc788\ub294 \ub2a5\ub825\uc744 \uae30\ub974\ub294 \uac83\uc774 \u2018\uacbd\uc81c \ub274\uc2a4 \uc774\ud574\uc758 \uae30\ucd08\u2019\ub2e8\uacc4\uc5d0\uc11c \uc911\uc694\ud55c \uc2b5\uad00\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<p>\ud55c\ud3b8, \uae00\ub85c\ubc8c \uacbd\uc81c \ub274\uc2a4 \uc5ed\uc2dc \uad6d\ub0b4 \uacbd\uc81c \uc0c1\ud669\uacfc \ubc00\uc811\ud558\uac8c \uc5f0\uacb0\ub418\uc5b4 \uc788\uc73c\ubbc0\ub85c \ubb34\uc2dc\ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uc218\ucd9c \uc911\uc2ec\uc778 \ud55c\uad6d \uacbd\uc81c\uc5d0\uc11c, \ubbf8\uad6d\uc774\ub098 \uc911\uad6d, \uc720\ub7fd \uacbd\uc81c\uc758 \ubcc0\ub3d9\uc740 \uad6d\ub0b4 \uae30\uc5c5\uc758 \ub9e4\ucd9c, \uc218\uc775, \uadf8\ub9ac\uace0 \uace0\uc6a9 \uc2dc\uc7a5 \uc804\ubc18\uc5d0 \uc9c1\uc811\uc801\uc778 \uc601\ud5a5\uc744 \uc90d\ub2c8\ub2e4. \ucd5c\uadfc \uba87 \ub144\uac04 \ubbf8\u00b7\uc911 \ubb34\uc5ed \ubd84\uc7c1\uc774 \uae38\uc5b4\uc9c0\uba74\uc11c \ub9ce\uc740 \ud55c\uad6d \uae30\uc5c5\uc774 \uacf5\uae09\ub9dd \uc7ac\ud3b8\uacfc \ud310\ub85c \ub2e4\ubcc0\ud654\ub97c \uace0\ubbfc\ud574 \uc654\uace0, \uc774\ub294 \ub274\uc2a4 \uba38\ub9ac\uae30\uc0ac\ub85c\ub3c4 \uc790\uc8fc \uc18c\uac1c\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uad6d\uc81c \uacbd\uc81c \uc18c\uc2dd\uc5d0\ub3c4 \uafb8\uc900\ud788 \uad00\uc2ec\uc744 \ub450\uace0, \ud658\uc728\uc774\ub098 \uc720\uac00, \ud574\uc678 \uae08\ub9ac \ub4f1\uc5d0 \ub300\ud55c \ub274\uc2a4\ub97c \ud30c\uc545\ud558\ub294 \uac83\uc774 \uc0ac\ud68c \ucd08\ub144\uc0dd\uc5d0\uac8c\ub3c4 \ub300\ub2e8\ud788 \uc720\uc775\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc5ec\uae30\uc11c \uc911\uc694\ud55c \uc810\uc740 \u2018\uacbd\uc81c \ub274\uc2a4\ub97c \uc77d\ub294 \ubaa9\uc801\u2019\uc744 \ubd84\uba85\ud788 \uc124\uc815\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \ub2e8\uc21c\ud765\ubbf8, \uac00\uc2ed\ucc98\ub7fc \uc18c\ube44\ud558\ub294 \uac83\uc774 \uc544\ub2c8\ub77c, \uc790\uc2e0\uc758 \uc7ac\ubb34 \uac74\uc804\uc131\uacfc \uacbd\ub825 \uac1c\ubc1c\uc5d0 \ub3c4\uc6c0\uc774 \ub418\ub294 \uc815\ubcf4\ub97c \uce90\uce58\ud558\uace0 \ubd84\uc11d\ud558\ub294 \ud0dc\ub3c4\uac00 \ud544\uc694\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ud604\uc7ac \ubab8\ub2f4\uace0 \uc788\uac70\ub098 \uc9c4\ucd9c\ud558\ub824\ub294 \uc0b0\uc5c5\uc758 \uae00\ub85c\ubc8c \uc2dc\uc7a5 \uaddc\ubaa8\ub098 \uc131\uc7a5 \uc804\ub9dd \ub274\uc2a4\ub97c \ucc59\uaca8\ubcf4\ub294 \uac83\uc774 \uadf8 \ud55c \uc608\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \u201c\ub0b4\uac00 \uc18d\ud55c \uc0b0\uc5c5\uc774 \uc55e\uc73c\ub85c \uc5b4\ub5bb\uac8c \ubcc0\ud654\ud560 \uac83\uc774\uace0, \ub098\ub294 \uc774 \ubcc0\ud654 \uc18d\uc5d0\uc11c \uc5b4\ub5a4 \uc5ed\ub7c9\uc744 \uac16\ucd94\uc5b4\uc57c \ud560\uae4c?\u201d \ud558\ub294 \uc9c8\ubb38\uc73c\ub85c \uc774\uc5b4\uc9c8 \uc218 \uc788\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c SNS\ub098 \uac01\uc885 \uc778\ud130\ub137 \ucee4\ubba4\ub2c8\ud2f0\ub97c \ud1b5\ud574 \uc27d\uac8c \uc811\ud558\uac8c \ub418\ub294 \uc9e7\uc740 \uacbd\uc81c \ub274\uc2a4\ub97c \uc801\uc6a9\ud560 \ub54c \uc8fc\uc758\ud574\uc57c \ud569\ub2c8\ub2e4. \uc694\uc57d\ub41c \uc815\ubcf4\ub098 \ud560 \ub9d0\ub9cc \uac15\uc870\ud55c \uae00\ub4e4\uc740 \ub54c\ub85c\ub294 \ud3b8\ud5a5\ub41c \uc790\ub8cc\uc77c \uc218 \uc788\uc73c\ubbc0\ub85c, \ud655\uc778\ub41c \ucd9c\ucc98\uc758 \ub274\uc2a4\ub97c \ucc3e\uc544\ubcf4\uac70\ub098 \ud574\ub2f9 \uc9c0\ud45c\uc758 \uc6d0\ubcf8 \uc790\ub8cc\ub97c \uac80\ud1a0\ud574\ubcf4\ub294 \uc2b5\uad00\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ubb34\uc2ec\ucf54 \uc2a4\uccd0 \uc9c0\ub098\uac00\uae30 \uc26c\uc6b4 \uae30\uc0ac \ud558\ub098\uac00, \uc0ac\uc2e4 \uc2ec\uce35\uc801\uc73c\ub85c \ub4e4\uc5b4\uac00 \ubcf4\uba74 \ub098\uc758 \uc5c5\uacc4\ub098 \uc7ac\ubb34 \uc0c1\ud0dc\uc5d0 \uaf64 \ud070 \ubcc0\ud654\uc758 \uc528\uc557\uc774 \ub420 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uc989, \u201c\ub2e8\uc21c \ucc38\uace0\u201d \uc774\uc0c1\uc758 \u201c\uc0dd\uc0b0\uc801 \ud65c\uc6a9\u201d\uc744 \ubaa9\ud45c\ub85c \ub274\uc2a4\ub97c \ubc14\ub77c\ubd10\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\ud1b5\uacc4\uc801\uc73c\ub85c\ub3c4 \uacbd\uc81c \ub274\uc2a4\ub97c \uc801\uadf9\uc801\uc73c\ub85c \ud655\uc778\ud558\uace0 \ud574\uc11d\ud558\ub294 \uac1c\uc778\uc740 \uadf8\ub807\uc9c0 \uc54a\uc740 \uac1c\uc778\uc5d0 \ube44\ud574 \uc7ac\ubb34\uc801 \uc548\uc815\ub3c4\ub97c \ub354 \ube68\ub9ac \ud655\ubcf4\ud55c\ub2e4\ub294 \uc5f0\uad6c \uacb0\uacfc\uac00 \uc788\uc2b5\ub2c8\ub2e4. 2023\ub144 \ud55c\uad6d\uac1c\ubc1c\uc5f0\uad6c\uc6d0(KDI)\uc5d0\uc11c \ubc1c\ud45c\ud55c \ubcf4\uace0\uc11c\uc5d0 \ub530\ub974\uba74, 20~30\ub300 \uc0ac\ud68c \ucd08\ub144\uc0dd \uc911 \uacbd\uc81c \uc804\ubb38\uac00\ub098 \ubd84\uc11d \ub9ac\ud3ec\ud2b8 \ub4f1\uc744 \ud1b5\ud574 \uc815\uae30\uc801\uc73c\ub85c \uc815\ubcf4\ub97c \uc811\ud558\ub294 \uadf8\ub8f9\uc774 \uadf8\ub807\uc9c0 \uc54a\uc740 \uadf8\ub8f9\ubcf4\ub2e4 5\ub144 \uc774\ub0b4\uc758 \uc8fc\uac70 \uc548\uc815 \uac00\ub2a5\uc131\uc744 25% \uc774\uc0c1 \ub192\uac8c \ubcf4\uc600\ub2e4\uace0 \ud569\ub2c8\ub2e4. \uc774\ucc98\ub7fc \ub274\uc2a4\ub294 \ub9c9\uc5f0\ud55c \uc815\ubcf4\uac00 \uc544\ub2c8\ub77c, \uc2e4\uc81c\ub85c \uc0dd\ud65c \uc804\ubc18\uc5d0 \uc9c1\uacb0\ub418\ub294 \u2018\ud589\ub3d9 \uc9c0\uce68\u2019\uc744 \uc904 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uacb0\uad6d \uacbd\uc81c \ub274\uc2a4 \uc774\ud574\uc758 \uae30\ucd08 \ub2e8\uacc4\uc5d0\uc11c\ub294 \uac1c\ub150, \uc9c0\ud45c, \ub9e5\ub77d \ud30c\uc545\uc5d0 \uc911\uc810\uc744 \ub450\uc5b4\uc57c \ud569\ub2c8\ub2e4. \uc81c\uc544\ubb34\ub9ac \ud604\uc7a5\uc774 \uc911\uc694\ud55c \uc2dc\ub300\ub77c \ud558\ub354\ub77c\ub3c4, \uc804\uccb4\uc801\uc778 \ud750\ub984\uacfc \ubc30\uacbd\uc744 \uc54c\uc544\uc57c \uc790\uc2e0\uc758 \ucee4\ub9ac\uc5b4\uc640 \uc7ac\ubb34 \uacc4\ud68d\uc5d0 \uad6c\uccb4\uc801\uc778 \uc804\ub7b5\uc744 \uc138\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uae30\ucd08 \uc6a9\uc5b4\ub97c \uc219\uc9c0\ud558\uace0, \ub2e4\uc591\ud55c \uc2dc\uac01\uc758 \uae30\uc0ac\ub97c \uc811\ud558\uace0, \ub098\ub9cc\uc758 \ubd84\uc11d \ud2c0\uc744 \ub9cc\ub4e4\uae30 \uc2dc\uc791\ud558\ub294 \ubc14\ub85c \uc774 \ub2e8\uacc4\uac00 \uc0ac\ud68c \ucd08\ub144\uc0dd\uc5d0\uac8c \uaf2d \ud544\uc694\ud55c \ucd9c\ubc1c\uc810\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<p>\uc774\ub807\ub4ef \ub274\uc2a4 \uc774\ud574\uc758 \uae30\ucd08\uac00 \ud0c4\ud0c4\ud574\uc838\uc57c, \uc774\ud6c4\uc5d0 \uc774\uc5b4\uc9c8 \ud22c\uc790\ub098 \uc7ac\ud14c\ud06c, \ub610\ub294 \uc7a5\uae30\uc801 \uacbd\ub825 \uc124\uacc4\uc5d0\ub3c4 \ud754\ub4e4\ub9ac\uc9c0 \uc54a\ub294 \uae30\ubc18\uc744 \ub9c8\ub828\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc77c\uc0c1 \uc18d\uc5d0\uc11c \ub9cc\ub098\ub294 \uacbd\uc81c \uae30\uc0ac\ub97c \uadf8\ub0e5 \uc2a4\uccd0 \uc9c0\ub098\uac00\uae30\ubcf4\ub2e4, \ud558\ub098\uc758 \ud559\uc2b5 \uc7ac\ub8cc\ub85c \uc0bc\uace0 \uc790\uc2e0\uc758 \uc0b6\uc5d0 \ub04c\uc5b4\ub2f9\uaca8 \uc801\uc6a9\ud558\ub294 \uc2b5\uad00\uc744 \uae30\ub978\ub2e4\uba74, \uc774\ub294 \uc5c4\uccad\ub09c \uc790\uc0b0\uc774 \ub418\uc5b4\uc904 \uac83\uc785\ub2c8\ub2e4. \uc55e\uc73c\ub85c \uc18c\uac1c\ud560 \uc139\uc158\uc5d0\uc11c \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \uc5b4\ub5bb\uac8c \uc2e4\uc9c8\uc801\uc73c\ub85c \uacbd\uc81c \ub274\uc2a4\ub97c \ub2e4\ub8e8\uace0, \ud22c\uc790 \ubc0f \uc7ac\ubb34 \uacc4\ud68d\uc5d0 \uc5f0\uacb0\uc2dc\ud0ac \uc218 \uc788\ub294\uc9c0 \uc2ec\uce35\uc801\uc73c\ub85c \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<h2 id=\"%ec%84%b9%ec%85%98-2-%ec%82%ac%ed%9a%8c-%ec%b4%88%eb%85%84%ec%83%9d%ec%97%90%ea%b2%8c-%ed%95%84%ec%9a%94%ed%95%9c-%ea%b2%bd%ec%a0%9c-%eb%89%b4%ec%8a%a4-%eb%b6%84%ec%84%9d-%ec%8a%a4%ed%82%ac-nbQhjhpoml\">\uc139\uc158 2: \uc0ac\ud68c \ucd08\ub144\uc0dd\uc5d0\uac8c \ud544\uc694\ud55c \uacbd\uc81c \ub274\uc2a4 \ubd84\uc11d \uc2a4\ud0ac<\/h2>\n<p>\uacbd\uc81c \ub274\uc2a4\ub97c \ubd84\uc11d\ud558\ub294 \uc2a4\ud0ac\uc740 \uae30\ubcf8\uc801\uc73c\ub85c \ub274\uc2a4\uc758 \uc2e0\ub8b0\ub3c4\ub97c \uc9c4\ub2e8\ud558\uace0, \uc911\uc694\ud55c \uc815\ubcf4\ub97c \uace8\ub77c\ub0b4\uba70, \uc774\ub97c \uc2e4\uc81c \uc0dd\ud65c\uc774\ub098 \ud22c\uc790 \uc120\ud0dd\uc5d0 \uc5f0\uacb0 \uc9d3\ub294 \uacfc\uc815\uc744 \ud3ec\ud568\ud569\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc740 \ub300\ubd80\ubd84 \uc2dc\uac04\uc774 \ubd80\uc871\ud558\uace0 \uc815\ubcf4\uc758 \ud64d\uc218 \uc18d\uc5d0\uc11c \uc0b4\uc544\uac00\uae30 \ub54c\ubb38\uc5d0, \uc81c\ud55c\ub41c \uc2dc\uac04 \uc548\uc5d0 \uac00\uc7a5 \ud575\uc2ec\uc801\uc778 \ub0b4\uc6a9\uc744 \ud30c\uc545\ud558\uace0\uc790 \ud569\ub2c8\ub2e4. \uc774\ub97c \uc704\ud574\uc11c\ub294 \uc6b0\uc120 \uae30\uc0ac \ucd9c\ucc98\uc640 \uc791\uc131 \uc758\ub3c4\ub97c \ud30c\uc545\ud558\ub294 \ubc29\ubc95\ubd80\ud130 \uc775\ud600\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\uae30\uc0ac\ub294 \ud2b9\uc815 \uc5b8\ub860\uc0ac\uc758 \ub17c\uc870, \ub610\ub294 \uae30\uc790 \uac1c\uc778\uc758 \uad00\uc810\uc774 \ub2f4\uaca8 \uc788\uae30 \ub9c8\ub828\uc785\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \uc5b4\ub5a4 \ub9e4\uccb4\ub294 \uce5c\uae30\uc5c5\uc801 \uc815\ucc45\uc744 \uc639\ud638\ud558\uace0, \ub610 \ub2e4\ub978 \ub9e4\uccb4\ub294 \ub178\ub3d9\uc790 \uc911\uc2ec\uc758 \uc2dc\uac01\uc744 \uac15\uc870\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uac19\uc740 \uc218\uce58\ub97c \ub450\uace0\ub3c4 \uc815\ubc18\ub300\ub418\ub294 \ud574\uc11d\uc774 \ub098\uc62c \uc218 \uc788\uae30 \ub54c\ubb38\uc5d0, \ubc18\ub4dc\uc2dc \u2018\ub450\uc138 \uac1c \uc774\uc0c1\uc758 \ub9e4\uccb4\u2019\ub97c \ube44\uad50\ud574 \ubcf4\ub294 \ud0dc\ub3c4\uac00 \ud544\uc694\ud569\ub2c8\ub2e4. \ud2b9\ud788 \uc8fc\uac00\uac00 \ud558\ub77d\ud558\ub294 \uc774\uc720\ub97c \ub193\uace0\ub3c4, \uc5b4\ub5a4 \ub9e4\uccb4\ub294 \u2018\uae30\uc5c5 \uc2e4\uc801 \ubd80\uc9c4\u2019\uc744 \uc774\uc720\ub85c \uc81c\uc2dc\ud558\uace0, \ub2e4\ub978 \ud55c \ub9e4\uccb4\ub294 \u2018\uc138\uacc4 \uacbd\uae30 \ub454\ud654\u2019\ub97c \ub354 \ud070 \uc694\uc778\uc73c\ub85c \uaf3d\uae30\ub3c4 \ud569\ub2c8\ub2e4. \uc774\ub7f0 \ucc28\uc774\ub97c \uc2a4\uc2a4\ub85c \ubd84\uc11d\ud558\uace0 \uade0\ud615 \uac10\uac01\uc744 \uc720\uc9c0\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p>\ubd84\uc11d \uc2a4\ud0ac \uc911 \uac00\uc7a5 \uae30\ubcf8\uc740, \ud558\ub098\uc758 \uc9c0\ud45c\ub098 \uc0ac\uac74\uc744 \uc911\uc2ec\uc73c\ub85c \uad6c\uccb4\uc801\uc778 \u2018\uc774\ud574 \uada4\uc801\u2019\uc744 \ub9cc\ub4dc\ub294 \uac83\uc785\ub2c8\ub2e4. \uc774\ub97c\ud14c\uba74 \ucd5c\uadfc \uae08\ub9ac\uac00 \uc624\ub974\uace0 \uc788\ub2e4\ub294 \ub274\uc2a4\ub97c \uc811\ud588\ub2e4\uace0 \ud569\uc2dc\ub2e4. \uadf8\ub807\ub2e4\uba74 \u201c\uae08\ub9ac\uac00 \uc65c \uc624\ub974\ub294\uac00?\u201d, \u201c\uc774\ub85c \uc778\ud574 \uc740\ud589\uacfc \uac1c\uc778 \ub300\ucd9c \uc2dc\uc7a5\uc5d0 \uc5b4\ub5a4 \uc601\ud5a5\uc774 \uc788\ub294\uac00?\u201d, \u201c\ubd80\ub3d9\uc0b0 \uc2dc\uc7a5\uc5d0\ub294 \uc5b4\ub5a0\ud55c \ubcc0\ud654 \ub3d9\uc778\uc774 \ub418\ub294\uac00?\u201d, \u201c\uc8fc\uc694 \uc99d\uad8c\uc0ac\uc758 \uc804\ub9dd\uc740 \uc5b4\ub5a0\ud55c\uac00?\u201d \ub4f1\uc758 \uc9c8\ubb38\uc744 \ub2e8\uacc4\uc801\uc73c\ub85c \ub358\uc838\ubcf4\ub294 \uc2b5\uad00\uc744 \uae30\ub974\uc2ed\uc2dc\uc624. \uc774\ub7f0 \uacfc\uc815\uc744 \uac70\uce58\uba74, \ub274\uc2a4\uc758 \ud45c\uba74\uc801 \uc758\ubbf8\uc5d0 \uadf8\uce58\uc9c0 \uc54a\uace0, \uc2e4\uc81c\ub85c \ub0b4 \uc7ac\ubb34 \uc0c1\ud669\uacfc \uc5f0\uacb0 \uc9c0\uc744 \uc218 \uc788\ub294 \ud1b5\ucc30\uc744 \uc5bb\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c \uacbd\uc81c \ub274\uc2a4 \ubd84\uc11d \uc2a4\ud0ac\uc5d0\ub294 \u2018\uc22b\uc790 \uc77d\uae30\u2019\uac00 \ud3ec\ud568\ub429\ub2c8\ub2e4. \uae30\uc0ac\uc5d0\ub294 \uc885\uc885 \uadf8\ub798\ud504\ub098 \ud45c\ub85c \uc81c\uc2dc\ub41c \ud1b5\uacc4 \uc790\ub8cc\uac00 \ub4f1\uc7a5\ud558\uace4 \ud558\ub294\ub370, \uc774\ub54c \uc5b4\ub5a4 \uc9c0\ud45c\uac00 \uc0c1\uc2b9\ud588\ub294\uc9c0 \ud558\ub77d\ud588\ub294\uc9c0, \ub610 \ud574\ub2f9 \uc9c0\ud45c\uac00 \uc5b4\ub290 \uae30\uac04 \ub300\ube44 \uc5bc\ub9c8\ub098 \ubcc0\ud654\ud588\ub294\uc9c0, \uadf8\ub9ac\uace0 \uadf8 \ubcc0\ub3d9\ud3ed\uc740 \uc5b4\ub290 \uc815\ub3c4 \uc758\ubbf8\uac00 \uc788\ub294\uc9c0\ub97c \uc0b4\ud3b4\uc57c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \uc18c\ube44\uc790\ubb3c\uac00\uc0c1\uc2b9\ub960(CPI)\uc774 \uc804\ub144 \ub3d9\uae30 \ub300\ube44 3% \uc0c1\uc2b9\ud588\ub2e4\uace0 \ud574\ub3c4, \uc9c1\uc804 \ubd84\uae30 \ub300\ube44 \ud070 \ud558\ub77d \ucd94\uc138\ub77c\uba74 \uc2dc\uacc4\uc5f4\uc801\uc73c\ub85c\ub294 \uc548\uc815\ud654 \ud750\ub984\uc5d0 \uc811\uc5b4\ub4e4\uc5c8\uc744 \uac00\ub2a5\uc131\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ub2e8\uc21c \uc22b\uc790 \ube44\uad50\uac00 \uc544\ub2c8\ub77c, \ucd94\uc138\uc640 \ub9e5\ub77d\uc744 \uace0\ub824\ud558\ub294 \uc548\ubaa9\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc5ec\uae30\uc5d0 \ub354\ud574, \uc5ec\ub7ec \uc9c0\ud45c \uac04 \uc0c1\uad00\uad00\uacc4\ub3c4 \ub2f4\uc544\ub450\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uc608\ucee8\ub300 \uad6d\uc81c \uc720\uac00\uac00 \uc0c1\uc2b9\ud558\uba74 \ubb3c\ub958\ube44\uac00 \uc624\ub974\uace0, \uc774\ub97c \uc81c\ud488 \uac00\uaca9\uc5d0 \ubc18\uc601\ud558\uba74 \uacb0\uad6d \uc18c\ube44\uc790\uac00\uaca9\uc774 \uc0c1\uc2b9\ud558\uac8c \ub429\ub2c8\ub2e4. \uc774\ub294 \uc81c\uc870\uc5c5\uccb4\uc640 \uc720\ud1b5\uc5c5\uccb4 \uc774\uc775\ub960\uc5d0\ub3c4 \uc601\ud5a5\uc744 \uc904 \uc218 \uc788\uc73c\uba70, \ub098\uc544\uac00\uc11c\ub294 \ud574\ub2f9 \uc5c5\uc885\uc758 \uc8fc\uac00\uc5d0\ub3c4 \ubcc0\ub3d9\uc744 \uc77c\uc73c\ud0ac \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7f0 \ud750\ub984\uc744 \uc774\ud574\ud558\uba74, \ub274\uc2a4 \ud55c \ud3b8\uc5d0\uc11c \ub2e4\ub8e8\ub294 \uc815\ubcf4\uac00 \uc0ac\uc2e4\uc0c1 \ubcf5\ud569\uc801\uc73c\ub85c \uc5f0\uacb0\ub418\uc5b4 \uc788\uc74c\uc744 \uccb4\uac10\ud558\uac8c \ub429\ub2c8\ub2e4. \ucd08\ubcf4\uc790\ub3c4 \uc774\ub7ec\ud55c \uc0c1\uad00\uad00\uacc4\ub97c \uadf8\ub9bc\uc73c\ub85c \uadf8\ub9ac\uac70\ub098 \uba54\ubaa8\ub97c \ub0a8\uae30\ub294 \ubc29\uc2dd\uc73c\ub85c \uc2b5\ub4dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\u2018\ub370\uc774\ud130 \uc800\ub110\ub9ac\uc998(Data Journalism)\u2019\uc774 \ud655\uc0b0\ub418\uba74\uc11c, \uc5b8\ub860\uc0ac\ub4e4\uc740 \ubcf4\ub2e4 \ud48d\ubd80\ud55c \ub370\uc774\ud130 \uc2dc\uac01\ud654 \uc790\ub8cc\ub97c \ud65c\uc6a9\ud574 \uae30\uc0ac\ub97c \uc791\uc131\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ucee8\ub300 \ubb34\uc5ed \ud1b5\uacc4, \uace0\uc6a9 \uc9c0\ud45c, \uac00\uacc4\ubd80\ucc44 \ud1b5\uacc4 \ub4f1\uc744 \uc2dc\uc810\ubcc4 \ud639\uc740 \uc0b0\uc5c5\ubcc4\ub85c \ub098\ub204\uc5b4 \uadf8\ub798\ud504\ud654\ud558\uace0, \uc774\ub97c \uc5b8\ub860\uc0ac\uac00 \uc778\ud130\ub799\ud2f0\ube0c \uc6f9 \ud615\ud0dc\ub85c \uc81c\uacf5\ud558\uae30\ub3c4 \ud569\ub2c8\ub2e4. \uc774\ub7f0 \uc790\ub8cc\ub294 \uac1c\uc778 \ub3c5\uc790\uac00 \ud55c \ubc88\uc5d0 \ub9ce\uc740 \uc591\uc758 \uc815\ubcf4\ub97c \uc27d\uac8c \ud30c\uc545\ud560 \uc218 \uc788\ub3c4\ub85d \ub3d5\uc2b5\ub2c8\ub2e4\ub9cc, \ub3d9\uc2dc\uc5d0 \uc798\ubabb\ub41c \ud574\uc11d \uc704\ud5d8\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \ubc30\uacbd \ub9e5\ub77d \uc5c6\uc774 \uadf8\ub798\ud504\ub9cc \ubcf4\uace0 \u2018\ubb34\uc870\uac74 \uc0c1\uc2b9\uc138\u2019\ub77c\uace0 \ub2e8\uc5b8\ud558\uae30 \uc5b4\ub835\uc2b5\ub2c8\ub2e4. \ub298 \ud574\ub2f9 \uc9c0\ud45c\uac00 \ubb34\uc5c7\uc744 \uc758\ubbf8\ud558\ub294\uc9c0, \ud45c\ubcf8\uacfc \uae30\uac04\uc740 \uc5b4\ub5bb\uac8c \uc124\uc815\ub418\uc5c8\ub294\uc9c0 \uaf3c\uaf3c\ud788 \ud655\uc778\ud574\ubd10\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\uacbd\uc81c \ub274\uc2a4 \ubd84\uc11d\uc5d0\ub294 \ucd5c\uc2e0 \ud2b8\ub80c\ub4dc\uc640 \uacfc\uac70 \uc0ac\ub840\ub97c \ube44\uad50\ud558\uc5ec \ubbf8\ub798\ub97c \uc608\uce21\ud574\ubcf4\ub294 \uacfc\uc815\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \ubb3c\ub860 \uc815\ud655\ud55c \uc608\uce21\uc740 \uc804\ubb38\uac00\ub4e4\ub3c4 \ub9e4\uc6b0 \uc5b4\ub824\uc6cc\ud569\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uacfc\uac70 \uae08\uc735\uc704\uae30\ub098 \ud639\uc740 \ud2b9\uc815 \uc5c5\uc885\uc758 \ud638\ud669\uae30\u00b7\ubd88\ud669\uae30 \uc608\uc2dc\ub97c \uc0b4\ud3b4\ubcf4\uba74\uc11c, \ud604\uc7ac\uc758 \uc9c0\ud45c\uc640 \uc5bc\ub9c8\ub098 \uc720\uc0ac\ud558\uac70\ub098 \ucc28\uc774\uac00 \uc788\ub294\uc9c0 \ucc3e\uc544\ubcf4\ub294 \uac83\uc740 \uc720\uc6a9\ud569\ub2c8\ub2e4. \uac19\uc740 \uc9c0\ud45c \ubcc0\ud654\uac00 \uc65c \uacfc\uac70\uc640\ub294 \ub2e4\ub974\uac8c \ud574\uc11d\ub420 \uc218 \uc788\ub294\uc9c0, \uc2dc\ub300\uc801\u00b7\uae30\uc220\uc801 \uc0c1\ud669 \ubcc0\ud654 \ub4f1\uc744 \uace0\ub824\ud558\uba70 \uc801\uadf9\uc801\uc73c\ub85c \ub274\uc2a4\ub97c \ubc1b\uc544\ub4e4\uc774\ub294 \uc2b5\uad00\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc774\ub97c\ud14c\uba74 2008\ub144 \uc138\uacc4 \uae08\uc735\uc704\uae30 \ub2f9\uc2dc \uac11\uc790\uae30 \uc2e4\uc5c5\ub960\uc774 \uce58\uc19f\uace0, \uac01\uc885 \uae30\uc5c5 \ud30c\uc0b0\uc774 \uc18d\ucd9c\ud588\uc2b5\ub2c8\ub2e4. \uc9c0\uae08\uc758 \uacbd\uae30 \ub454\ud654 \ub274\uc2a4\ub97c \uc774\uc640 \ub611\uac19\uc774 \ud574\uc11d\ud558\uae30\ub294 \uc5b4\ub835\uc9c0\ub9cc, \ubd80\ucc44 \uad6c\uc870\ub098 \uae08\uc735\uae30\uad00\uc758 \ub300\uc751 \uc5ed\ub7c9, \uadf8\ub9ac\uace0 \uac01\uad6d\uc758 \uc815\ucc45 \ubc29\ud5a5\uc740 \uc5b4\ub5a4 \ucc28\uc774\uac00 \uc788\ub294\uc9c0\ub97c \uc0b4\ud3b4\ubcfc \ub54c \uacfc\uac70 \uc0ac\ub840\uac00 \uc900 \uc2dc\uc0ac\uc810\uc774 \ud070 \ud798\uc744 \ubc1c\ud718\ud569\ub2c8\ub2e4. \uacfc\uac70 \uc0ac\ub840\ub97c \uc54c\uba74 \uc0c8\ub85c\uc6b4 \ub274\uc2a4\uac00 \ub098\uc654\uc744 \ub54c, \ub2e8\uc21c\ud788 \uacf5\ud3ec\uc2ec\uc73c\ub85c\ub9cc \ubc18\uc751\ud558\uae30\ubcf4\ub2e4 \uc880 \ub354 \uc774\uc131\uc801\uc73c\ub85c \ubc14\ub77c\ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubd84\uc11d \uc2a4\ud0ac\uc744 \ud0a4\uc6b0\uae30 \uc704\ud574\uc120, \uc2e4\uc81c \uc2e0\ubb38 \uae30\uc0ac\ub97c \u2018\uc2a4\ud06c\ub7a9\u2019\ud558\uac70\ub098 \uc990\uaca8\ucc3e\uae30\ud574\ub450\uace0 \uc2dc\uac04\uc774 \uc9c0\ub0a0\uc218\ub85d \uc5b4\ub5bb\uac8c \uc608\uce21\uc774 \ub4e4\uc5b4\ub9de\uc558\ub294\uc9c0 \uc2a4\uc2a4\ub85c \uac80\ud1a0\ud558\ub294 \uc2b5\uad00\ub3c4 \uad8c\uc7a5\ud560 \ub9cc\ud569\ub2c8\ub2e4. \uc608\uce21\uc774 \ube57\ub098\uac04 \uacbd\uc6b0\uc5d0\ub294 \uc65c \ube57\ub098\uac14\ub294\uc9c0, \uc5b4\ub5a4 \ubcc0\uc218\ub4e4\uc774 \uc0c8\ub86d\uac8c \ub4f1\uc7a5\ud588\ub294\uc9c0 \ub4f1\uc744 \ub418\uc9da\uc5b4\ubcf4\uba74 \uacbd\uc81c \ub274\uc2a4\ub97c \ub300\ud558\ub294 \ud1b5\ucc30\ub825\uc774 \uc810\uc9c4\uc801\uc73c\ub85c \ub192\uc544\uc9d1\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc790\uae30 \uc810\uac80 \uacfc\uc815\uc744 \ud1b5\ud574 \uc0ac\ud68c \ucd08\ub144\uc0dd \uc2dc\uae30\uc5d0 \ud6a8\uacfc\uc801\uc778 \ubd84\uc11d \ub2a5\ub825\uc744 \ube60\ub974\uac8c \uae38\ub7ec\ub0bc \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uacbd\uc81c \ub274\uc2a4 \ubd84\uc11d \uc2a4\ud0ac\uc744 \ud0a4\uc6b8 \ub54c\ub294 \u2018\uc804\ubb38\uac00 \uce7c\ub7fc\u2019\uc774\ub098 \u2018\uae30\uad00 \ubcf4\uace0\uc11c\u2019\ub97c \uc801\uadf9 \ud65c\uc6a9\ud558\ub294 \uac83\ub3c4 \uc88b\uc2b5\ub2c8\ub2e4. \uc8fc\uc2dd \uc2dc\uc7a5\uc758 \uacbd\uc6b0 \uc99d\uad8c\uc0ac\uc758 \ub9ac\uc11c\uce58 \ubcf4\uace0\uc11c, \uc815\ubd80 \uacbd\uc81c \uae30\uad00\uc758 \uc804\ub9dd \uc790\ub8cc \ub4f1\uc744 \ucc38\uace0\ud558\uba74 \uc9c0\ud45c\uac00 \uc65c \uadf8\ub807\uac8c \ud574\uc11d\ub418\ub294\uc9c0 \ubcf4\ub2e4 \uc804\ubb38\uc801\uc778 \uc2dc\uac01\uc744 \uc5bb\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub97c \ube44\uad50\ud574\ubcf4\uba70 \uc2a4\uc2a4\ub85c\uc758 \ubd84\uc11d \ud2c0\uc744 \uc810\uac80\ud558\uace0 \uae30\uc0ac\uc758 \ub17c\uc870\ub97c \ub354 \uae4a\uc774 \uc788\uac8c \uc774\ud574\ud560 \uc218 \uc788\uac8c \ub429\ub2c8\ub2e4. \uacb0\uad6d \uc774\ub97c \ud1a0\ub300\ub85c \uc758\uc0ac\uacb0\uc815 \uacfc\uc815\uc5d0\uc11c \ub354 \ub098\uc740 \uc120\ud0dd\uc744 \ud560 \uc218 \uc788\uac8c \ub418\ub294 \uac83\uc774\uc9c0\uc694.<\/p>\n<p>\uc815\ub9ac\ud558\uc790\uba74, \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \uacbd\uc81c \ub274\uc2a4\ub97c \ubd84\uc11d\ud558\ub294 \uc2a4\ud0ac\uc744 \uae30\ub974\ub824\uba74 \ub274\uc2a4 \ucd9c\ucc98\uc758 \ud2b9\uc131 \ud30c\uc545, \uc22b\uc790\uc640 \uc9c0\ud45c\uc758 \ub9e5\ub77d\uc801 \uc774\ud574, \uacfc\uac70 \uc0ac\ub840\uc640\uc758 \ube44\uad50, \uc804\ubb38\uac00 \uc758\uacac \ucc38\uc870 \ub4f1 \ub2e4\uac01\uc801\uc778 \uc811\uadfc\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uacfc\uc815\uc744 \uc77c\uc0c1\uc5d0\uc11c \ubc18\ubcf5\ud558\ub2e4 \ubcf4\uba74, \ucc98\uc74c\uc5d0\ub294 \ub0af\uc124\uace0 \ucd94\uc0c1\uc801\uc73c\ub85c\ub9cc \ubcf4\uc600\ub358 \uacbd\uc81c \ub274\uc2a4\uac00 \uc810\ucc28 \uccb4\uacc4\uc801\uc778 \uc870\ub9dd \uc544\ub798 \ud574\uc11d \uac00\ub2a5\ud574\uc9c8 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<h2 id=\"%ec%84%b9%ec%85%98-3-%ed%88%ac%ec%9e%90-%ea%b4%80%eb%a0%a8-%ec%b5%9c%ec%8b%a0-%eb%8f%99%ed%96%a5%ea%b3%bc-%ea%b2%bd%ec%a0%9c-%eb%89%b4%ec%8a%a4-%ed%99%9c%ec%9a%a9-nbQhjhpoml\">\uc139\uc158 3: \ud22c\uc790 \uad00\ub828 \ucd5c\uc2e0 \ub3d9\ud5a5\uacfc \uacbd\uc81c \ub274\uc2a4 \ud65c\uc6a9<\/h2>\n<p>\ucd5c\uadfc \uba87 \ub144\uac04 \uad6d\ub0b4\uc678 \uc8fc\uc2dd\uc2dc\uc7a5\uacfc \uc554\ud638\ud654\ud3d0 \uc2dc\uc7a5 \ub4f1 \ub2e4\uc591\ud55c \ud22c\uc790\ucc98\uac00 \uae09\uaca9\ud788 \ubcc0\ub3d9\ud558\uba70, \ub9ce\uc740 \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \uc774\ub978 \uc2dc\uc810\ubd80\ud130 \uc9c1\uc811\uc801\uc778 \ud22c\uc790\uc5d0 \ub6f0\uc5b4\ub4dc\ub294 \uc0ac\ub840\uac00 \ub298\uc5b4\ub098\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uc790\uc0b0 \uc99d\uc2dd\uc758 \uae30\ud68c\ub97c \uc7a1\uaca0\ub2e4\ub294 \uc801\uadf9\uc801 \uc790\uc138\uc77c \uc218\ub3c4 \uc788\uace0, \ub54c\ub85c\ub294 \uc8fc\ubcc0 \uc5f4\ud48d\uc5d0 \ud729\uc4f8\ub824\uc11c \ubb34\uc791\uc815 \uc2dc\uc791\ud558\ub294 \uacbd\uc6b0\uc77c \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc911\uc694\ud55c \uac83\uc740 \u2018\ud22c\uc790 \uad00\ub828 \ucd5c\uc2e0 \ub3d9\ud5a5\u2019\uc744 \uafb8\uc900\ud788 \ucd94\uc801\ud558\uace0, \uacbd\uc81c \ub274\uc2a4\ub97c \ud1b5\ud574 \uc774\ub97c \uba74\ubc00\ud558\uac8c \ubd84\uc11d\ud558\ub294 \ud0dc\ub3c4\uc785\ub2c8\ub2e4.<\/p>\n<p>2022~2023\ub144\uc758 \ud22c\uc790 \uc2dc\uc7a5 \ud750\ub984\uc744 \uc0b4\ud3b4\ubcf4\uba74, \uc138\uacc4\uc801\uc73c\ub85c \uae08\ub9ac\uc778\uc0c1 \uae30\uc870\uac00 \uacc4\uc18d\ub418\uba74\uc11c \uc720\ub3d9\uc131\uc774 \uc774\uc804\ubcf4\ub2e4 \ucd95\uc18c\ub418\uace0 \uc788\ub2e4\ub294 \ud2b9\uc9d5\uc774 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uc131\uc7a5\uc8fc \uc704\uc8fc\uc758 \uc8fc\uc2dd \uc2dc\uc7a5\uc5d0\ub294 \ubd80\uc815\uc801 \ubcc0\uc218\ub85c \uc791\uc6a9\ud560 \uc218 \uc788\uc73c\uba70, \ubc18\uba74 \uacbd\uae30\uc21c\ud658\uc8fc\ub098 \ubc30\ub2f9\uc8fc \uac19\uc740 \uc0c1\ub300\uc801\uc73c\ub85c \uc548\uc815\uc801 \uc218\uc775 \ubaa8\ub378\uc744 \uac16\ucd98 \uc885\ubaa9\uc774 \uc0c8\ub86d\uac8c \ubd80\uc0c1\ud558\uae30\ub3c4 \ud569\ub2c8\ub2e4. \ub610\ud55c \ubd80\ub3d9\uc0b0 \uc2dc\uc7a5 \uc5ed\uc2dc \uae08\ub9ac \uc0c1\uc2b9\uc758 \uc9c1\uaca9\ud0c4\uc744 \ub9de\uc544 \uac70\ub798\ub7c9\uc774 \ud06c\uac8c \uc904\uc5b4\ub4dc\ub294 \uac00\uc6b4\ub370, \uc77c\ubd80 \uc9c0\uc5ed\uc5d0\uc11c\ub294 \uc5ec\uc804\ud788 \uace0\uac00 \uac70\ub798\uac00 \uc774\uc5b4\uc9c0\ub294 \ub4f1 \u2018\uc591\uadf9\ud654\u2019 \ud604\uc0c1\uc774 \ub69c\ub837\ud558\uac8c \ub098\ud0c0\ub098\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7f0 \uc591\uc0c1\uc744 \ud30c\uc545\ud558\ub824\uba74, \uafb8\uc900\ud55c \ub274\uc2a4 \uad00\ucc30\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.<\/p>\n<p>\ud2b9\ud788 \u2018\uc2dc\ud669 \ub274\uc2a4\u2019\ub294 \ub2e8\uc21c\ud788 \uc2dc\uc7a5\uc758 \uc0c1\ud0dc\ub97c \ubcf4\uace0\ud558\ub294 \uac83\uc5d0 \uadf8\uce58\uc9c0 \uc54a\uace0, \ud22c\uc790 \uc2ec\ub9ac\uc640 \ubbf8\ub798 \uc804\ub9dd\uc5d0 \ub300\ud55c \ub2e8\uc11c\ub97c \uc81c\uacf5\ud558\uae30\ub3c4 \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \uad6d\ub0b4 \uc8fc\uc694 \uc99d\uad8c\uc0ac\ub4e4\uc774 \uc608\uce21\ud558\ub294 \ucf54\uc2a4\ud53c \uc9c0\uc218 \ubaa9\ud45c\uce58\ub97c \ud655\uc778\ud558\uac70\ub098, \ubbf8\uad6d \uc5f0\ubc29\uc900\ube44\uc81c\ub3c4(Fed)\uc758 \uae08\ub9ac \uc815\ucc45\uacfc \uad00\ub828\ub41c \uae30\uc0ac\ub4e4\uc744 \uc720\uc2ec\ud788 \uc0b4\ud3b4\ubcfc \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7f0 \ub274\uc2a4\ub4e4\uc740 \uc9c1\uc811\uc801\uc778 \ud2b9\uc815 \uc885\ubaa9 \ucd94\ucc9c\uc740 \uc544\ub2c8\uc9c0\ub9cc, \uc804\uccb4 \ud22c\uc790 \ubc29\ud5a5\uc131\uc744 \uc124\uc815\ud558\ub294 \ub370 \ub9e4\uc6b0 \uc911\uc694\ud55c \ubc30\uacbd\uc815\ubcf4\uac00 \ub429\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c \ud55c\uad6d \ud2b9\uc720\uc758 \u2018\ud14c\ub9c8\uc8fc\u2019 \ud750\ub984\uc774\ub098 \u2018\uacf5\ubaa8\uc8fc \uc5f4\ud48d\u2019 \ub4f1 \ub2e8\uae30 \uc774\uc288\uc5d0 \ubbfc\uac10\ud558\uac8c \ubc18\uc751\ud558\ub294 \uc2dc\uc7a5 \ud2b9\uc131\uc744 \uace0\ub824\ud560 \ub54c, \uc0ac\ud68c \ucd08\ub144\uc0dd\uc740 \uc720\ud589\uc5d0 \ud729\uc4f8\ub9ac\uae30\ubcf4\ub2e4 \uacf5\uc2e0\ub825 \uc788\ub294 \uacbd\uc81c \ub274\uc2a4\ub97c \ud1b5\ud574 \ud655\uc0b0 \uacbd\ub85c\ub098 \ub9ac\uc2a4\ud06c\ub97c \uba3c\uc800 \uc810\uac80\ud574\uc57c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \uc5b4\ub5a4 \uc2e0\uc0b0\uc5c5 \uad00\ub828\uc8fc\uac00 \ub2e8\uae30\uac04\uc5d0 \uae09\ub4f1\ud558\ub294 \uad11\uacbd\ub9cc \ubcf4\uace0 \ub6f0\uc5b4\ub4e4\uc5c8\ub2e4\uac00, \ud55c \ub2ec \ub9cc\uc5d0 \ubc18\ud1a0\ub9c9\uc774 \ub098\ub294 \uc0ac\ub840\ub294 \uacb0\ucf54 \ub4dc\ubb38 \uc77c\uc774 \uc544\ub2d9\ub2c8\ub2e4. \uc774\ub7f4 \ub54c \ub274\uc2a4\ub97c \ud1b5\ud574 \ud574\ub2f9 \uae30\uc5c5\uc758 \uc2e4\uc801 \uc804\ub9dd\uc774\ub098 \uc2dc\uc7a5 \uc810\uc720\uc728\uc758 \uc2e4\uc81c \ucd94\uc774, \uad00\ub828 \uc815\ucc45\uc758 \uc9c0\uc18d \uac00\ub2a5\uc131\uc744 \ubbf8\ub9ac \ud30c\uc545\ud588\ub2e4\uba74 \u2018\ubb3b\uc9c0 \ub9c8 \ud22c\uc790\u2019\uc758 \uc704\ud5d8\uc5d0\uc11c \ud55c\uac78\uc74c \ubb3c\ub7ec\uc124 \uc218 \uc788\uc5c8\uc744 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc554\ud638\ud654\ud3d0 \uc2dc\uc7a5\ub3c4 \ub9c8\ucc2c\uac00\uc9c0\uc785\ub2c8\ub2e4. 2021\ub144\ubd80\ud130 \ube44\ud2b8\ucf54\uc778 \ub4f1 \uc8fc\uc694 \ucf54\uc778 \uac00\uaca9\uc774 \uae09\ub4f1\ub77d\uc744 \uac70\ub4ed\ud558\ub294 \uacfc\uc815\uc5d0\uc11c, \uad6d\ub0b4\uc678 \uacbd\uc81c \ub274\uc2a4\uc5d0\uc11c\ub294 \uac01\uc885 \uaddc\uc81c \uc6c0\uc9c1\uc784\uacfc \uae30\uad00 \ud22c\uc790\uc790\ub4e4\uc758 \uc9c4\ucd9c \uc5ec\ubd80\uc5d0 \ub300\ud55c \ubcf4\ub3c4\uac00 \uc7a6\uc558\uc2b5\ub2c8\ub2e4. \uc774\ub97c \ubab0\ub77c\uc11c \ud22c\uc790 \uc2dc\uc810\uc744 \ub193\uce58\uac70\ub098 \uacfc\ub3c4\ud558\uac8c \ub9ac\uc2a4\ud06c\ub97c \uc9ca\uc5b4\uc9c0\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc9c0\uc694. \ud558\uc9c0\ub9cc \uaddc\uc81c\uc640 \uc81c\ub3c4 \ub17c\uc758\ub294 \ud22c\uc790 \ud658\uacbd\uc5d0 \ub9e4\uc6b0 \uc911\uc694\ud55c \uc601\ud5a5\uc744 \uc8fc\ubbc0\ub85c, \uad00\ub828 \ub274\uc2a4\ub97c \uc9c0\uc18d\uc801\uc73c\ub85c \ubaa8\ub2c8\ud130\ub9c1\ud574\uc57c \ud569\ub2c8\ub2e4. \uac00\ub839 \ud2b9\uc815 \uad6d\uac00\uac00 \uc554\ud638\ud654\ud3d0\ub97c \ubc95\uc815\ud654\ud3d0\ub85c \uc778\uc815\ud558\uac70\ub098, \ubc18\ub300\ub85c \uaddc\uc81c\ub97c \uac15\ud654\ud558\ub294 \uc18c\uc2dd\uc740 \uc2dc\uc7a5\uc5d0 \uc0c1\ub2f9\ud55c \ud30c\uc7a5\uc744 \uc77c\uc73c\ud0b5\ub2c8\ub2e4.<\/p>\n<p>\ud22c\uc790\uc5d0 \uad00\ud55c \ub274\uc2a4\ub97c \ubcfc \ub54c \ub610 \ud558\ub098 \ub193\uce58\uc9c0 \ub9d0\uc544\uc57c \ud560 \uac83\uc740, \uacbd\uc81c \ud658\uacbd \ubcc0\ud654\uc640 \uac1c\uc778 \uc7ac\uc815 \uc0c1\ud0dc\ub97c \uc0c1\ud638 \uc5f0\uacc4\uc2dc\ucf1c \ud310\ub2e8\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uc989, \uae08\ub9ac \uc0c1\uc2b9\uae30\uc5d0 \uc9d1\uac12\uc774 \ub5a8\uc5b4\uc9c4\ub2e4\ub294 \ubcf4\ub3c4\uac00 \uacc4\uc18d\ub418\ub354\ub77c\ub3c4, \ud574\ub2f9 \uc9c0\uc5ed\uc758 \uac1c\ubc1c\ud638\uc7ac\ub098 \uc778\uad6c \uc720\uc785 \ud604\ud669, \uac1c\uc778\uc758 \ub300\ucd9c \uc5ec\ub825 \ub4f1\uc744 \uc885\ud569\uc801\uc73c\ub85c \uc0b4\ud3b4\ubd10\uc57c \uacb0\ub860\uc5d0 \uc774\ub97c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e8\uc21c\ud788 \u2018\uae08\ub9ac \uc624\ub974\uba74 \uc9d1\uac12 \ud558\ub77d\u2019\uc774\ub77c\ub294 \uacf5\uc2dd\ub9cc\uc73c\ub85c\ub294 \uc124\uba85\ub418\uc9c0 \uc54a\ub294 \ubd80\ubd84\uc774 \ub9ce\uc73c\uba70, \uc7a5\uae30 \ud22c\uc790 \uad00\uc810\uc5d0\uc11c \ubcf4\uba74 \uae08\ub9ac \ubcc0\ub3d9\uc758 \ud3ed\uacfc \uc8fc\uae30\uc5d0 \ub530\ub77c \ub9e4\uc218\u00b7\ub9e4\ub3c4 \uc804\ub7b5\uc774 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n<p>\ucd5c\uadfc\uc5d0\ub294 ESG(\ud658\uacbd, \uc0ac\ud68c, \uc9c0\ubc30\uad6c\uc870) \ud22c\uc790\ub3c4 \ud654\ub450\uac00 \ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub300\uae30\uc5c5\uc744 \uc911\uc2ec\uc73c\ub85c \uc9c0\uc18d\uac00\ub2a5\uc131\uc744 \uac15\uc870\ud558\ub294 \ud504\ub85c\uc81d\ud2b8\uac00 \ub298\uc5b4\ub098\uba74\uc11c, \uad00\ub828 \ud14c\ub9c8\uc8fc\ub098 \ud380\ub4dc\uac00 \ucd9c\uc2dc\ub418\uace4 \ud569\ub2c8\ub2e4. \uc5ec\uae30\uc5d4 \uc81c\ub3c4\uc801 \uc9c0\uc6d0\uc774\ub098 \uc778\uc2dd \ubcc0\ud654\uac00 \ud06c\uac8c \uc791\uc6a9\ud558\ub294\ub370, \uc774\ub97c \ud30c\uc545\ud558\uae30 \uc704\ud574\uc11c\ub294 \uc5ed\uc2dc \uad00\ub828 \ub274\uc2a4\uc640 \ud1b5\uacc4\ub97c \uc790\uc8fc \uc0b4\ud3b4\uc57c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \ud0c4\uc18c \uc911\ub9bd \uc815\ucc45\uc774 \uac15\ud654\ub428\uc5d0 \ub530\ub77c \ud0dc\uc591\uad11, \ud48d\ub825 \ub4f1 \uc7ac\uc0dd\uc5d0\ub108\uc9c0 \uad00\ub828 \uc5c5\uccb4\uac00 \uc218\ud61c\ub97c \uc785\uc744 \uac83\uc774\ub77c\ub294 \uc804\ub9dd\uc774 \ub098\uc624\ub294\ub370, \uc774\uac83\uc774 \uacfc\uc5f0 \uc5b4\ub290 \uc815\ub3c4 \uc2dc\uc810\uc5d0\uc11c, \uc5b4\ub5a4 \ud615\ud0dc\ub85c \uc2e4\uc81c \uc2e4\ud589\uc774 \ub420\uc9c0\ub294 \ub274\uc2a4\ub97c \ud1b5\ud574 \ucd94\uc801\ud574\uc57c \uc2e4\uc9c8\uc801\uc778 \ud22c\uc790 \ud3ec\uc778\ud2b8\ub85c \uc5f0\uacb0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc774\ucc98\ub7fc \u2018\ucd5c\uc2e0 \ud22c\uc790 \ub3d9\ud5a5\u2019\uc740 \ud55c\ub450 \ub2ec\uc9dc\ub9ac \ub274\uc2a4\ub9cc\uc73c\ub85c\ub294 \uc81c\ub300\ub85c grasp\ud558\uae30 \uc5b4\ub835\uc2b5\ub2c8\ub2e4. \ucd5c\uc18c 6\uac1c\uc6d4\uc5d0\uc11c 1\ub144 \uc815\ub3c4 \ud750\ub984\uc744 \uc774\uc5b4\uc11c \uad00\ucc30\ud558\uace0, \ud574\uc678 \uc2dc\uc7a5 \ub3d9\ud5a5 \ubc0f \uad6d\ub0b4 \uc815\ucc45 \ubcc0\ud654\ub97c \uc5ee\uc5b4\uac00\uba70 \ubd84\uc11d\ud558\ub294 \uc2dc\uc57c\uac00 \ud544\uc694\ud569\ub2c8\ub2e4. \uacb0\uad6d \uc218\ub9ce\uc740 \ub274\uc2a4\ub97c \uc811\ud560 \ub54c \u2018\ub9e4\uc77c\u2019 \ub2e8\uae30 \ud750\ub984\uc744 \uccb4\ud06c\ud558\ub294 \uac83\uacfc \ub354\ubd88\uc5b4, \u2018\uc8fc\uac04\u00b7\uc6d4\uac04\u00b7\ubd84\uae30\ubcc4\u2019 \ud2b8\ub80c\ub4dc\ub97c \uc815\ub9ac\ud558\ub294 \uc2b5\uad00\uc744 \ub4e4\uc774\uba74 \ud6e8\uc52c \ud070 \uadf8\ub9bc\uc5d0\uc11c \ud22c\uc790 \uc804\ub7b5\uc744 \uc138\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c \ud22c\uc790\ub97c \ud560 \ub54c\ub294 \ubc18\ub4dc\uc2dc \u2018\ub9ac\uc2a4\ud06c \uad00\ub9ac\u2019\uc5d0 \ub300\ud55c \ub274\uc2a4\ub098 \ubd84\uc11d \uc790\ub8cc\ub97c \ub193\uccd0\uc11c\ub294 \uc548 \ub429\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \ubbf8\uad6d\uc758 \uace0\uc6a9 \uc9c0\ud45c\uac00 \uc608\uc0c1\ubcf4\ub2e4 \ubd80\uc9c4\ud588\uc744 \ub54c, \uc8fc\uc2dd \uc2dc\uc7a5\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc740 \uc5b4\ub5bb\uac8c \ub2ec\ub77c\uc9c8 \uc218 \uc788\ub294\uc9c0, \uae08\ub9ac\uc758 \uae09\uaca9\ud55c \uc870\uc815\uc774 \uc608\uace0\ub420 \ub54c \ud658\uc728\uacfc \ubb34\uc5ed \uc9c0\ud45c\ub294 \uc5b4\ub5a4 \ubc29\ud5a5\uc131\uc774 \uc788\ub294\uc9c0 \ub4f1\uc744 \ub274\uc2a4\ub97c \ud1b5\ud574 \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub7f0 \uc870\uac74\ub4e4\uc744 \ubb34\uc2dc\ud558\uace0 \uc624\ub85c\uc9c0 \uc2dc\uc7a5\uc758 \ub2e8\uae30\uc801 \uc5f4\uae30\uc5d0\ub9cc \ub9e4\ubab0\ub418\uba74, \ud070 \uc190\uc2e4\uc744 \ubcfc \uac00\ub2a5\uc131\uc774 \ub192\uc544\uc9d1\ub2c8\ub2e4.<\/p>\n<p>\ud558\uc9c0\ub9cc \ub274\uc2a4\uc5d0 \ub108\ubb34 \uacfc\ubbfc\ud558\uac8c \ubc18\uc751\ud558\ub294 \u2018\uc624\ubc84 \ud2b8\ub808\uc774\ub529\u2019 \uc5ed\uc2dc \uacbd\uacc4 \ub300\uc0c1\uc785\ub2c8\ub2e4. \ud558\ub8e8 \uc774\ud2c0 \uc0ac\uc774\uc5d0 \ub274\uc2a4\uac00 \ub4a4\ubc14\ub00c\ub294 \uac83\uc740 \ud754\ud55c \uc77c\uc774\uba70, \uc7a5\uae30\uc801\uc73c\ub85c \ubcf4\uba74 \uc18c\uc74c(Noise)\uc5d0 \uac00\uae4c\uc6b4 \uacbd\ud5a5\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub97c \uad6c\ubd84\ud558\uae30 \uc704\ud574\uc11c\ub294 \ud22c\uc790 \uacbd\ud5d8\uacfc \ud568\uaed8 \uafb8\uc900\ud55c \uacf5\ubd80\uac00 \ub4a4\ub530\ub77c\uc57c \ud558\uace0, \ubb34\uc5c7\ubcf4\ub2e4\ub3c4 \uc2a4\uc2a4\ub85c\uc758 \ud22c\uc790 \ucca0\ud559\uc744 \ud655\ub9bd\ud558\ub294 \uacfc\uc815\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uacb0\uacfc\uc801\uc73c\ub85c \uac74\uac15\ud55c \ud22c\uc790 \ubb38\ud654\ub294 \uacbd\uc81c \ub274\uc2a4\ub97c \u2018\uc2e0\ub8b0\ud560 \ub9cc\ud55c \uc815\ubcf4\uc6d0\u2019\uc73c\ub85c \uc0bc\ub418, \ucd5c\uc885 \uacb0\uc815\uc740 \uc2a4\uc2a4\ub85c \ud310\ub2e8\ud574 \ucc45\uc784\uc744 \uc9c0\ub294 \ud0dc\ub3c4\uc5d0\uc11c \ube44\ub86f\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc815\ub9ac\ud574 \ubcf4\uba74, \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \ud22c\uc790 \uad00\ub828 \ub274\uc2a4\ub97c \ud65c\uc6a9\ud558\ub824\uba74: \uccab\uc9f8\ub85c \uc2dc\uc7a5\uc758 \uac70\uc2dc \ud658\uacbd(\uae08\ub9ac, \ubb3c\uac00, \uc815\ucc45 \ub3d9\ud5a5 \ub4f1)\uc744 \uafb8\uc900\ud788 \ucd94\uc801\ud55c\ub2e4. \ub458\uc9f8\ub85c \uc5c5\uc885\ubcc4, \ud14c\ub9c8\ubcc4 \ub274\uc2a4\ub97c \ud30c\ud3b8\ud654\ud574\uc11c \uc77d\uc9c0 \ub9d0\uace0 \ud2b8\ub80c\ub4dc\ub85c \ubb36\uc5b4 \ud574\uc11d\ud55c\ub2e4. \uc14b\uc9f8\ub85c \ub2e8\uae30 \uc774\uc288\uc5d0 \ud718\ub458\ub9ac\uc9c0 \uc54a\ub3c4\ub85d \uc790\uc2e0\uc758 \ud22c\uc790 \ubaa9\ud45c\uc640 \uae30\uac04\uc744 \uba85\ud655\ud788 \uc124\uc815\ud55c\ub2e4. \uc774\ub7f0 \uc6d0\uce59\uc744 \uc720\uc9c0\ud558\uba74, \ube44\ub85d \uc2dc\uc7a5\uc774 \uacc4\uc18d\ud574\uc11c \ucd9c\ub801\uc774\ub354\ub77c\ub3c4 \ud070 \ubc29\ud5a5\uc131\uc744 \uc7a1\uace0 \ud754\ub4e4\ub9bc \uc5c6\uc774 \uc790\uc0b0\uc744 \ubd88\ub824\ub098\uac08 \uae30\ubc18\uc744 \ub9c8\ub828\ud560 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<h2 id=\"%ec%84%b9%ec%85%98-4-%ea%b2%bd%ec%a0%9c-%eb%89%b4%ec%8a%a4%eb%a1%9c-%eb%82%98%eb%a7%8c%ec%9d%98-%ec%9e%ac%eb%ac%b4-%ec%a0%84%eb%9e%b5-%ec%84%b8%ec%9a%b0%ea%b8%b0-nbQhjhpoml\">\uc139\uc158 4: \uacbd\uc81c \ub274\uc2a4\ub85c \ub098\ub9cc\uc758 \uc7ac\ubb34 \uc804\ub7b5 \uc138\uc6b0\uae30<\/h2>\n<p>\uc9c0\uae08\uae4c\uc9c0 \uacbd\uc81c \ub274\uc2a4\uc758 \uae30\ucd08 \uc774\ud574\uc640 \ubd84\uc11d \uc2a4\ud0ac, \uadf8\ub9ac\uace0 \ud22c\uc790 \ub3d9\ud5a5\uae4c\uc9c0 \uc0b4\ud3b4\ubcf4\uc558\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uad81\uadf9\uc801\uc73c\ub85c\ub294 \uc774 \ubaa8\ub4e0 \uc815\ubcf4\ub97c \u2018\ub098\ub9cc\uc758 \uc7ac\ubb34 \uc804\ub7b5\u2019\uc73c\ub85c \uc5f0\uacb0\ud574\uc57c \uc2e4\uc9c8\uc801\uc778 \uac00\uce58\uac00 \uc0dd\uae41\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\uc5d0\uac8c\ub294 \ub300\uccb4\ub85c \uc885\uc7a3\ub3c8\uc774 \ub9ce\uc9c0 \uc54a\uace0, \uc6d4\uae09\uc758 \uc0c1\ub2f9 \ubd80\ubd84\uc744 \uc0dd\ud65c\ube44\ub85c \uc0ac\uc6a9\ud574\uc57c \ud558\ub294 \uc0c1\ud669\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub807\uae30 \ub54c\ubb38\uc5d0 \ub354\uc6b1 \uaf3c\uaf3c\ud55c \uc804\ub7b5 \uc218\ub9bd\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uadf8\ub9ac\uace0 \uc774 \uc804\ub7b5\uc758 \uccab\uac78\uc74c \uc5ed\uc2dc \uacbd\uc81c \ub274\uc2a4\ub97c \ud1b5\ud574 \uc5bb\uc740 \uc9c0\uc2dd\uc744 \ud65c\uc6a9\ud558\ub294 \uacfc\uc815\uc5d0\uc11c \ucd9c\ubc1c\ud569\ub2c8\ub2e4.<\/p>\n<p>\uba3c\uc800 \uc7ac\ubb34 \uc804\ub7b5\uc744 \uc218\ub9bd\ud558\ub824\uba74, \ud604\uc7ac \uc790\uc2e0\uc758 \uc7ac\uc815 \uc0c1\ud0dc\ub97c \uac1d\uad00\uc801\uc73c\ub85c \ud30c\uc545\ud574\uc57c \ud569\ub2c8\ub2e4. \uc6d4\uae09\uc740 \uc5b4\ub290 \uc815\ub3c4\uc774\uba70, \uace0\uc815\uc801\uc73c\ub85c \ub098\uac00\ub294 \ube44\uc6a9\uc740 \uc5bc\ub9c8\uc778\uc9c0, \uadf8\ub9ac\uace0 \uc544\ub084 \uc218 \uc788\ub294 \ubd80\ubd84\uc774 \uc788\ub294\uc9c0, \ub300\ucd9c\uc774 \uc788\ub2e4\uba74 \uae08\ub9ac\ub294 \uc5bc\ub9c8\ub85c \ucc45\uc815\ub418\uc5b4 \uc788\ub294\uc9c0 \ub4f1\uc744 \uccb4\uacc4\uc801\uc73c\ub85c \uc815\ub9ac\ud558\ub294 \uac83\uc774\uc8e0. \uc774\ub97c\ud14c\uba74 \ucd5c\uadfc \uae08\ub9ac\uac00 \uc0c1\uc2b9 \ucd94\uc138\ub77c\uba74, \ubcc0\ub3d9\uae08\ub9ac \ub300\ucd9c\uc744 \uace0\uc815\uae08\ub9ac\ub85c \ubc14\uafc0 \ud544\uc694\uac00 \uc788\ub294\uc9c0, \ud639\uc740 \ud5a5\ud6c4 \uae08\ub9ac \uc778\ud558 \uc804\ud658 \uc2dc\uc810\uc744 \uace0\ub824\ud574 \ub2e4\ub978 \uc804\ub7b5\uc744 \uc138\uc6b8\uc9c0 \ud310\ub2e8\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub54c\ub3c4 \uacbd\uc81c \ub274\uc2a4\uc5d0\uc11c \ub098\uc628 \u2018\uae08\ub9ac \uc804\ub9dd\u2019\uc744 \ucc38\uace0\ud574\ubcfc \ub9cc\ud569\ub2c8\ub2e4. \ubb3c\ub860 \uc5b8\ub860 \uae30\uc0ac\ub9cc \ubbff\uc5b4\uc11c\ub294 \uc548 \ub418\uace0, \uc740\ud589\uc758 \uc0c1\ud488 \uc870\uac74\uc774\ub098 \uc804\ubb38\uac00 \uc0c1\ub2f4\ub3c4 \ubcd1\ud589\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\ub458\uc9f8\ub85c, \uc7ac\ubb34 \uc804\ub7b5\uc740 \u2018\ubaa9\ud45c \uc124\uc815\u2019\uc774 \ubd84\uba85\ud574\uc57c \ud569\ub2c8\ub2e4. \uc608\ucee8\ub300 3\ub144 \ud6c4\uc5d0 \uc804\uc138\uc790\uae08 \ub9c8\ub828\uc744 \uc704\ud574 \uc5bc\ub9c8\ub97c \ubaa8\uc73c\uace0 \uc2f6\uc740\uc9c0, 5\ub144 \ud6c4\uc5d0\ub294 \ucc28\ub97c \uad6c\uc785\ud558\uae30 \uc704\ud574 \uc5b4\ub5a4 \uc790\uae08\uc744 \ub9c8\ub828\ud560 \uac83\uc778\uc9c0, \ud639\uc740 10\ub144 \ud6c4\uc5d0\ub294 \ub0b4 \uc9d1 \ub9c8\ub828 \ud639\uc740 \ud22c\uc790\uc6a9 \ubd80\ub3d9\uc0b0 \ub9e4\uc785\uc774 \ubaa9\ud45c\uc778\uc9c0 \ub4f1\ub4f1\uc774 \uc788\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7f0 \ubaa9\ud45c\ub97c \uc2dc\uac04 \uacc4\ud68d\ud45c\uc5d0 \ub530\ub77c \uad6c\uccb4\ud654\ud55c\ub2e4\uba74, \uacbd\uc81c \ub274\uc2a4\ub97c \ub300\ud558\ub294 \uc2dc\uac01\ub3c4 \uc790\uc5f0\uc2a4\ub808 \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \uae08\ub9ac \uc778\uc0c1\uacfc \ubd80\ub3d9\uc0b0 \uaddc\uc81c \uc644\ud654 \ub274\uc2a4\uac00 \ud568\uaed8 \ub098\uc624\uba74, \u201c\ud604\uc7ac \ubaa9\ud45c \uc2dc\uc810\uacfc\uc758 \uac04\uadf9\uc740 \uc5b4\ub5a4\uac00? \ubd80\ub3d9\uc0b0\uc744 \uc9c0\uae08 \uc811\uadfc\ud574\uc57c \ud558\ub098, \uc880 \ub354 \uae30\ub2e4\ub824\uc57c \ud558\ub098?\u201d \uac19\uc740 \uad6c\uccb4\uc801\uc778 \uc758\ubb38\uc774 \uc0dd\uae30\uae30 \ub9c8\ub828\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc14b\uc9f8\ub85c, \uc801\uc808\ud55c \uae08\uc735 \uc0c1\ud488\uacfc \ud22c\uc790\ub97c \uc870\ud569\ud558\ub294 \uc804\ub7b5\uc744 \uace0\ub824\ud574\ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uacbd\uc81c \ub274\uc2a4\ub294 \uc5ec\ub7ec \uae08\uc735 \uc0c1\ud488\uc758 \ud310\ub9e4 \ucd94\uc774, \uc608\u00b7\uc801\uae08 \uae08\ub9ac \uc778\uc0c1 \uc18c\uc2dd, ETF\ub098 \ud380\ub4dc\uc758 \uc2e0\uc0c1\ud488 \ucd9c\uc2dc \uc18c\uc2dd \ub4f1\uc744 \uc218\uc2dc\ub85c \uc804\ud569\ub2c8\ub2e4. \uac00\ub839 \ucd5c\uadfc\uc5d0\ub294 \uae08\ub9ac \uc0c1\uc2b9\uc73c\ub85c \uc801\uae08 \uc0c1\ud488\uc5d0 \uc5f0 4% \uc774\uc0c1\uc758 \uae08\ub9ac\ub97c \uc8fc\ub294 \uc740\ud589\uc774 \ub298\uc5b4\ub0ac\ub2e4\ub294 \ub274\uc2a4\ub97c \uc811\ud560 \uc218 \uc788\uace0, \uc8fc\uc2dd \uc2dc\uc7a5\uc774 \ubd80\uc9c4\ud558\uba74 \uc5ed\uc73c\ub85c \ud2b9\uc815 \uc2dc\uc810\uc5d0 \ubc30\ub2f9\ub960 \ub192\uc740 \uc8fc\uc2dd \ud639\uc740 \uc778\ubc84\uc2a4 ETF\uc5d0 \ub300\ud55c \ud22c\uc790 \ub9e4\ub825\uc774 \ubd80\uac01\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7f0 \uae30\ud68c\ub97c \ub193\uce58\uc9c0 \uc54a\uc73c\ub824\uba74 \ub274\uc2a4\ub97c \uaf3c\uaf3c\ud788 \uc0b4\ud53c\uace0, \ub098\uc758 \ubaa9\ud45c\uc640 \uc704\ud5d8 \uc120\ud638\ub3c4\uc5d0 \ub9de\ub294 \uc0c1\ud488\uc744 \uc120\ubcc4\ud558\ub294 \ub178\ub825\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.<\/p>\n<p>\ub137\uc9f8\ub85c, \uc7ac\ubb34 \uc804\ub7b5\uc5d0\ub294 \u2018\ubcf4\ud5d8\u2019\ub3c4 \ud3ec\ud568\ub429\ub2c8\ub2e4. \uac74\uac15\ubcf4\ud5d8, \uc2e4\uc190\ubcf4\ud5d8, \uc5f0\uae08\ubcf4\ud5d8 \ub4f1\uc740 \uc9c0\uae08 \ub2f9\uc7a5 \uccb4\uac10\ud558\uae30 \uc5b4\ub824\uc6cc\uc11c \uc18c\ud640\ud788 \ud558\uae30 \uc27d\uc9c0\ub9cc, \ubbf8\ub798\uc758 \uc704\ud5d8\uc744 \ub300\ube44\ud558\ub294 \ucc28\uc6d0\uc5d0\uc11c \uc911\uc694\ud569\ub2c8\ub2e4. \ucd5c\uadfc \uace0\ub839\ud654 \uc0ac\ud68c \uc18d\uc5d0\uc11c \uc5f0\uae08 \uad00\ub828 \uc774\uc288\uac00 \ubd80\uc0c1\ud558\ub294\ub370, \uc815\ubd80 \ucc28\uc6d0\uc758 \uad6d\ubbfc\uc5f0\uae08 \uac1c\ud3b8 \ub3d9\ud5a5\uc744 \ub274\uc2a4\uc5d0\uc11c \ub2e4\ub8e8\uba74 \uadf8\ub0e5 \ud758\ub824\ub4e3\uc9c0 \ub9d0\uace0, \uac1c\uc778\uc5f0\uae08\uc774\ub098 \ud1f4\uc9c1\uc5f0\uae08 \uc81c\ub3c4\uc640 \ubcd1\ud589\ud574 \uace0\ub824\ud574\ubcf4\uc544\uc57c \ud569\ub2c8\ub2e4. \uc774\ucc98\ub7fc \ub274\uc2a4 \uc18d \uc18c\uc2dd\uc740 \u2018\ub098\uc640 \ubb34\uad00\ud558\ub2e4\u2019\uace0 \uc0dd\uac01\ud558\uae30 \uc27d\uc9c0\ub9cc, \uc2e4\uc0c1\uc740 \uac01\uc885 \uc81c\ub3c4 \ubcc0\ud654\uac00 \uac00\uae4c\uc6b4 \ubbf8\ub798\uc5d0 \ub098\uc5d0\uac8c \ud070 \uc601\ud5a5\uc744 \uc904 \uc218 \uc788\uc74c\uc744 \uc78a\uc9c0 \ub9d0\uc544\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\ub2e4\uc12f\uc9f8\ub85c, \uc7ac\ubb34 \uc804\ub7b5 \uc218\ub9bd\uc5d0\uc11c \uc911\uc694\ud55c \uac83\uc740 \u2018\uc720\uc5f0\uc131\u2019\uc785\ub2c8\ub2e4. \uacbd\uc81c\ub294 \ud56d\uc0c1 \uc0b4\uc544 \uc6c0\uc9c1\uc774\uba70, \uc608\uce21\ub300\ub85c \ud758\ub7ec\uac00\uc9c0 \uc54a\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \uae08\ub9ac\uac00 \ub354 \uc774\uc0c1 \uc624\ub974\uc9c0 \uc54a\uc744 \uac83\uc774\ub77c\ub294 \uc804\ub9dd\uc774 \uc6b0\uc138\ud588\ub294\ub370, \uc138\uacc4 \uacbd\uc81c \uc774\ubca4\ud2b8(\uc804\uc7c1, \ucc9c\uc7ac\uc9c0\ubcc0, \uc8fc\uc694\uad6d \uae08\ub9ac \uacb0\uc815 \ub4f1)\ub85c \ud55c \ubc88 \ub354 \ud070 \ud3ed\uc758 \uc778\uc0c1\uc774 \uc774\ub8e8\uc5b4\uc9c0\ub294 \uc2dc\ub098\ub9ac\uc624\uac00 \ubc1c\uc0dd\ud560 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7f0 \ub3cc\ubc1c \uc0c1\ud669\uc5d0 \ub300\ube44\ud574, \u201c\ub9cc\uc57d A\ub77c\uba74 B\ub97c \ud558\uaca0\ub2e4\u201d\ub294 \uc2dd\uc758 \uc2dc\ub098\ub9ac\uc624\ubcc4 \uc804\ub7b5\uc744 \uc138\uc6cc\ub450\ub294 \uac83\uc774 \uc0ac\ud68c \ucd08\ub144\uc0dd\uc5d0\uac8c\ub3c4 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc5ec\uc12f\uc9f8\ub85c, \uc7ac\ubb34 \uc804\ub7b5\uc740 \uc911\uc7a5\uae30\uc801 \uc0dd\uc560 \uc124\uacc4\uc640 \uacb0\ubd80\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4. \ucee4\ub9ac\uc5b4\ub97c \uc313\ub294 \uacfc\uc815\uc5d0\uc11c \uc9c1\uc7a5\uc744 \uc62e\uae30\uac70\ub098, \ud574\uc678 \uc720\ud559\uc744 \uac00\uac70\ub098, \uac00\uc871 \uc218\uc5d0 \ubcc0\ud654\uac00 \uc0dd\uae30\uae30\ub3c4 \ud569\ub2c8\ub2e4. \uc774\ub7f0 \uc0c1\ud669\uc774 \ubc14\ub014 \ub54c\ub9c8\ub2e4, \ub274\uc2a4\uc5d0\uc11c \ubc30\uc6b4 \uc9c0\uc2dd\uc744 \ud1a0\ub300\ub85c \uc7ac\uc815 \uc804\ub7b5\uc744 \uc7ac\uc810\uac80\ud558\ub294 \uac83\uc774 \ubc14\ub78c\uc9c1\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \ud574\uc678 \uc720\ud559\uc744 \uace0\ubbfc\ud558\uace0 \uc788\ub2e4\uba74 \ucd5c\uadfc \ud658\uc728 \ucd94\uc138\ub098 \ud574\uc678 \uc720\ud559 \ube44\uc6a9, \uc7a5\ud559\uae08 \uc81c\ub3c4 \ub4f1\uc5d0 \ub300\ud55c \ub274\uc2a4\ub97c \ucc59\uaca8\ubcfc \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc55e\uc11c \uc5b8\uae09\ud55c \ubc29\ubc95\ub860\ub4e4\uc744 \uc880 \ub354 \uccb4\uacc4\uc801\uc73c\ub85c \uc2e4\ucc9c\ud558\uace0\uc790 \ud55c\ub2e4\uba74, \u2018\uac1c\uc778 \uc7ac\ubb34\uc81c\ud45c\u2019\ub97c \uc815\uae30\uc801\uc73c\ub85c \uc5c5\ub370\uc774\ud2b8\ud558\ub294 \ubc29\uc2dd\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4. \uc5d1\uc140 \ub4f1\uc744 \ud65c\uc6a9\ud574 \uc790\uc0b0-\ubd80\ucc44 \ud604\ud669, \uc6d4\ubcc4 \uc9c0\ucd9c \ub0b4\uc5ed, \uadf8\ub9ac\uace0 \ub2e8\uae30\u00b7\uc911\uc7a5\uae30 \ubaa9\ud45c\ub97c \uc815\ub9ac\ud574 \ub461\ub2c8\ub2e4. \uadf8\ub7f0 \ub4a4 \ub274\uc2a4\uc5d0\uc11c \uae08\ub9ac\ub098 \uc2dc\uc7a5 \ubcc0\ub3d9 \uc18c\uc2dd\uc744 \uc811\ud558\uba74 \u201c\uc774 \uc2dc\uc2a4\ud15c \ub0b4\uc5d0\uc11c \uc5b4\ub5a4 \ubd80\ubd84\uc774 \uc601\ud5a5\uc744 \ubc1b\ub294\uac00?\u201d\ub97c \uccb4\ud06c\ud574\ubcf4\ub294 \uac83\uc785\ub2c8\ub2e4. \uc774\ub97c \ubc18\ubcf5\ud558\uba74, \ub9e4\ubc88 \uacbd\uc81c\uc801 \uc774\ubca4\ud2b8\uac00 \uc0dd\uae38 \ub54c\ub9c8\ub2e4 \ub2f9\ud669\ud558\uae30\ubcf4\ub2e4\ub294 \uc0c8\ub85c\uc6b4 \uc2dc\ub098\ub9ac\uc624\ub97c \ube60\ub974\uac8c \uc801\uc6a9\ud560 \uc218 \uc788\ub294 \uc0ac\uace0\uc758 \uc720\uc5f0\uc131\uc774 \uc0dd\uae41\ub2c8\ub2e4.<\/p>\n<p>\uadf8\ub9ac\uace0 \uc2ec\ub9ac\uc801\uc73c\ub85c\ub3c4 \uc911\uc694\ud55c \ubd80\ubd84\uc740, \ub54c\ub85c\ub294 \uacbd\uc81c \ub274\uc2a4\uac00 \uc77c\uc885\uc758 \u2018\uacf5\ud3ec\u2019\ub098 \u2018\uacfc\ub3c4\ud55c \uae30\ub300\u2019\ub97c \uc870\uc7a5\ud560 \uc218 \uc788\ub2e4\ub294 \uc810\uc744 \uc774\ud574\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \ub9c9 \uc0ac\ud68c\uc5d0 \uc9c4\ucd9c\ud55c \ucd08\ub144\uc0dd\uc740 \uc790\uc0b0 \uaddc\ubaa8\uac00 \uc791\uc544 \uc704\ud5d8\uc5d0 \uc27d\uac8c \ub178\ucd9c\ub420 \uc218 \uc788\uae30\uc5d0, \ub274\uc2a4\uc5d0\uc11c \u201c\uace7 \uc9d1\uac12 \ub300\ud3ed\ub77d!\u201d \ub610\ub294 \u201c\ub2e4\uc2dc \ubd80\ub3d9\uc0b0 \ubd88\ud328 \uc2e0\ud654!\u201d \uac19\uc740 \uc790\uadf9\uc801\uc778 \ud5e4\ub4dc\ub77c\uc778\uc744 \ubcf4\uc558\uc744 \ub54c, \ud754\ub4e4\ub9bc \uc5c6\uc774 \uc790\uc2e0\ub9cc\uc758 \ud310\ub2e8 \uadfc\uac70\ub97c \uc9c0\ud0a4\ub294 \ub178\ub825\uc774 \ud544\uc218\uc785\ub2c8\ub2e4. \ub54c\ub85c\ub294 \ubcf4\uc218\uc801\uc73c\ub85c \uc811\uadfc\ud558\ub294 \uac83\uc774 \uc7a5\uae30\uc801 \uc2dc\uc57c\uc5d0\uc11c \ubcf4\uba74 \ub354 \uc548\uc804\ud558\uace0, \ub610 \ub54c\ub85c\ub294 \uacfc\uac10\ud55c \ud22c\uc790\ub098 \uacb0\ub2e8\uc774 \ud544\uc694\ud560 \uc218\ub3c4 \uc788\uc73c\ub098, \uc774\ub294 \uc5b8\uc81c\ub098 \u2018\uccb4\uacc4\uc801 \uc815\ubcf4 \ubd84\uc11d\u2019\uacfc \u2018\uac1c\uc778\uc758 \ubaa9\ud45c\u2019\ub97c \uae30\ubc18\uc73c\ub85c \uacb0\uc815\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uc0ac\ud68c \ucd08\ub144\uc0dd \uc2dc\uae30\uc5d0 \uc218\ub9bd\ub41c \uc7ac\ubb34 \uc804\ub7b5\uc740 \uc778\uc0dd \uc804\ubc18\uc758 \uacbd\uc81c\uc801 \uc548\uc815\uacfc \uc131\uc7a5\uc744 \uc88c\uc6b0\ud569\ub2c8\ub2e4. \uc624\ub298\ub0a0\uacfc \uac19\uc774 \uc815\ubcf4\uac00 \uc2e4\uc2dc\uac04\uc73c\ub85c \uc3df\uc544\uc9c0\ub294 \uc2dc\ub300\uc5d0\ub294, \ub204\uad6c\ub098 \uacbd\uc81c \ub274\uc2a4\ub97c \ubcfc \uc218 \uc788\uc9c0\ub9cc \uadf8\uac83\uc744 \uc81c\ub300\ub85c &#8216;\ud65c\uc6a9&#8217;\ud558\ub294 \uc0ac\ub78c\uacfc \uadf8\ub807\uc9c0 \uc54a\uc740 \uc0ac\ub78c\uc758 \uaca9\ucc28\uac00 \ub354\uc6b1 \ucee4\uc9c0\ub294 \uacbd\ud5a5\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ub274\uc2a4\uc5d0 \ub098\uc628 \uc815\ubcf4\ub97c \uc2e4\uc81c \uc0b6\uc5d0 \uc801\uc6a9\ud574, \ubaa9\ud45c\uc5d0 \ub9de\ucd98 \uc758\uc0ac\uacb0\uc815\uc744 \ub0b4\ub9ac\uace0, \uc8fc\uae30\uc801\uc73c\ub85c \uc804\ub7b5\uc744 \uc218\uc815\ud558\ub294 \uc0dd\ud65c \uc2b5\uad00\uc744 \uac16\ucd98\ub2e4\uba74, \ubd88\ud655\uc2e4\ud55c \uc2dc\ub300\ub97c \uc0b4\uc544\uac00\ub294 \ub370 \ud070 \uacbd\uc7c1\ub825\uc744 \uac16\ucd94\uac8c \ub420 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\uacb0\uad6d \uc774 \uc139\uc158\uc5d0\uc11c \ub9d0\ud558\uace0\uc790 \ud558\ub294 \ud575\uc2ec\uc740 \u2018\uccb4\uacc4\uc801 \uc7ac\ubb34 \uc804\ub7b5\u2019\uc785\ub2c8\ub2e4. \uc774\ub294 \ub2e8\uc9c0 \uba87 \uac00\uc9c0 \uae08\uc735 \uc0c1\ud488\uc744 \uac00\uc785\ud558\uace0 \ud22c\uc790\ub97c \ud558\ub294 \uac83\uc774 \uc544\ub2c8\ub77c, \uc804\uccb4\uc801\uc778 \ubaa9\ud45c \uc124\uc815\uc5d0\uc11c\ubd80\ud130 \uacbd\uc81c \ub274\uc2a4 \ud574\uc11d, \uadf8\ub9ac\uace0 \uc9c0\uc18d\uc801\uc778 \ubaa8\ub2c8\ud130\ub9c1\uacfc \ud53c\ub4dc\ubc31 \uacfc\uc815\uc744 \uc544\uc6b0\ub974\ub294 \uc885\ud569\uc801 \uc2dc\uc2a4\ud15c\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc774 \uc774\ub97c \uc9c0\uae08\ubd80\ud130 \uc900\ube44\ud55c\ub2e4\uba74, \uc0ac\ud68c \uc911\uacac\uce35\uc774 \ub420 \uc2dc\uc810\uc5d0\ub294 \uc774\ubbf8 \uc0c1\ub2f9\ud55c \uc7ac\ubb34\uc801 \uc548\uc815\uacfc \uc790\uc728\uc131\uc744 \ud655\ubcf4\ud560 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<h2 id=\"%ea%b2%b0%eb%a1%a0-%ea%b2%bd%ec%a0%9c-%eb%89%b4%ec%8a%a4%eb%a5%bc-%ed%86%b5%ed%95%b4-%ec%82%ac%ed%9a%8c-%ec%b4%88%eb%85%84%ec%83%9d%ec%9d%b4-%ec%96%bb%ec%9d%84-%ec%88%98-%ec%9e%88%eb%8a%94-%ed%86%b5-nbQhjhpoml\">\uacb0\ub860: \uacbd\uc81c \ub274\uc2a4\ub97c \ud1b5\ud574 \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \uc5bb\uc744 \uc218 \uc788\ub294 \ud1b5\ucc30<\/h2>\n<p>\uc9c0\uae08\uae4c\uc9c0 \ud06c\uac8c \ub124 \uac1c \uc139\uc158\uc5d0 \uac78\uccd0 \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \uacbd\uc81c \ub274\uc2a4\ub97c \uc5b4\ub5bb\uac8c \ud65c\uc6a9\ud558\uace0, \uc774\ub97c \ud1a0\ub300\ub85c \uc790\uc2e0\uc758 \uc7ac\ubb34 \uc804\ub7b5\uc744 \uc138\uc6b8 \uc218 \uc788\ub294\uc9c0 \uc0b4\ud3b4\ubcf4\uc558\uc2b5\ub2c8\ub2e4. \uccab \ubc88\uc9f8 \uc139\uc158\uc5d0\uc11c\ub294 \uacbd\uc81c \ub274\uc2a4\ub97c \uc774\ud574\ud558\ub294 \uae30\ucd08, \uae30\ubcf8 \uc6a9\uc5b4\uc640 \uac70\uc2dc \uc9c0\ud45c\uc5d0 \ub300\ud55c \ub9e5\ub77d \ud30c\uc545\uc758 \uc911\uc694\uc131\uc744 \uac15\uc870\ud588\uc2b5\ub2c8\ub2e4. \ub450 \ubc88\uc9f8 \uc139\uc158\uc5d0\uc11c\ub294 \ub274\uc2a4 \ubd84\uc11d \uc2a4\ud0ac\u2014\ud2b9\ud788 \ucd9c\ucc98\uc758 \uc2e0\ub8b0\ub3c4\uc640 \uc218\uce58\ub97c \ub9e5\ub77d\uc801\uc73c\ub85c \ud574\uc11d\ud558\ub294 \ub2a5\ub825\u2014\uc774 \uc65c \uc911\uc694\ud55c\uc9c0 \uc54c\uc544\ubd24\uc2b5\ub2c8\ub2e4. \uc138 \ubc88\uc9f8 \uc139\uc158\uc5d0\uc11c\ub294 \ud22c\uc790 \uad00\ub828 \ucd5c\uc2e0 \ub3d9\ud5a5\uc744 \uc0b4\ud3b4\ubcf4\uba74\uc11c, \uacbd\uc81c \ub274\uc2a4\uac00 \ud22c\uc790 \ud658\uacbd \uc774\ud574\uc5d0 \uc5b4\ub5bb\uac8c \uc9c1\uacb0\ub418\ub294\uc9c0 \uc9da\uc5b4\ubcf4\uc558\uc2b5\ub2c8\ub2e4. \ub9c8\uc9c0\ub9c9 \ub124 \ubc88\uc9f8 \uc139\uc158\uc5d0\uc11c\ub294 \uc774\ub97c \uc885\ud569\ud574 \uad81\uadf9\uc801\uc73c\ub85c \ub098\ub9cc\uc758 \uc7ac\ubb34 \uc804\ub7b5\uc744 \uc138\uc6b0\uace0, \uc774\ub97c \uc9c0\uc18d\uc801\uc73c\ub85c \ubc1c\uc804\uc2dc\ucf1c\ub098\uac00\ub294 \ubc29\ubc95\uc744 \uc18c\uac1c\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uacbd\uc81c \ub274\uc2a4\ub294 \ub354 \uc774\uc0c1 \uc804\ubb38\uac00\ub098 \uc8fc\uc2dd \ud22c\uc790\uc790\ub4e4\ub9cc \ubcf4\ub294 \uac83\uc774 \uc544\ub2d9\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd \uc2dc\uae30\uc5d0 \uc811\ud558\ub294 \ub274\uc2a4\ub294 \ud5a5\ud6c4 10\ub144, 20\ub144\uc744 \ubc14\ub77c\ubcf4\ub294 \uc124\uacc4\ub3c4\uc640\ub3c4 \uac19\uc2b5\ub2c8\ub2e4. \uc5b4\ub290 \uc5c5\uacc4\uac00 \ub5a0\uc624\ub974\uace0, \uc5b4\ub5a4 \uad6d\uac00 \uc815\ucc45\uc774 \ubcc0\uacbd\ub418\uace0, \uae08\ub9ac\ub294 \uc5b4\ub5bb\uac8c \ubcc0\ud654\ud558\ub294\uac00\uc5d0 \ub300\ud55c \uc815\ubcf4\ub294 \uacb0\uad6d \ub0b4 \uc6d4\uae09, \ub0b4 \uacbd\ub825, \ub0b4 \uc9d1 \ub9c8\ub828 \uc2dc\uc810, \ub098\uc544\uac00 \uc740\ud1f4 \uc2dc\uc810\uacfc\ub3c4 \ubc00\uc811\ud558\uac8c \uc5f0\uacb0\ub429\ub2c8\ub2e4. \ub9ce\uc740 \uc0ac\ub78c\uc774 \ub274\uc2a4\ub97c \uadf8\ub0e5 \ub208\uc55e\uc5d0 \uc2a4\uccd0 \uac00\ub294 \uae00\ub85c\ub9cc \uc5ec\uae30\uc9c0\ub9cc, \ud604\uc2e4\uc801\uc73c\ub85c\ub294 \uc5ed\ud560\uacfc \ud65c\uc6a9 \uac00\uce58\ub97c \uba85\ud655\ud788 \uc778\uc9c0\ud558\ub294 \uac1c\uc778\uacfc \uadf8\ub807\uc9c0 \uc54a\uc740 \uac1c\uc778 \uc0ac\uc774\uc5d0\ub294 \ud070 \uaca9\ucc28\uac00 \uc0dd\uae30\ub294 \uac83\uc774 \uc0ac\uc2e4\uc785\ub2c8\ub2e4.<\/p>\n<p>\ub274\uc2a4\ub97c \ud65c\uc6a9\ud558\uae30 \uc704\ud574\uc11c\ub294 \uba3c\uc800 \u2018\uae30\ubcf8 \uacf5\ubd80\u2019\uac00 \ud544\uc694\ud569\ub2c8\ub2e4. \uacbd\uc81c \uc9c0\ud45c\uc640 \uc6a9\uc5b4\ub97c \ubaa8\ub974\uba74 \uae30\uc0ac\ub97c \uc81c\ub300\ub85c \uc774\ud574\ud558\uc9c0 \ubabb\ud558\uace0, \uacb0\uad6d \uc758\uc0ac\uacb0\uc815\uc5d0 \ud65c\uc6a9\ud558\uae30 \uc5b4\ub835\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \ub610 \uc2dc\uc7a5\uacfc \ud2b8\ub80c\ub4dc\ub294 \uacc4\uc18d \ubcc0\ud654\ud569\ub2c8\ub2e4. \uc5b4\uc81c\uc758 \uc815\ubcf4\uac00 \uc624\ub298\uc758 \uc815\ub2f5\uc774 \uc544\ub2d0 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uafb8\uc900\ud788 \uc790\uae30 \uc5c5\uadf8\ub808\uc774\ub4dc\ub97c \ud558\uba70, \ub274\uc2a4\uc5d0\uc11c \uc0c8\ub85c \ub4dc\ub7ec\ub09c \uc9c0\ud45c\uc640 \uc804\ubb38\uac00 \uc758\uacac\uc744 \uad50\ucc28 \uac80\uc99d\ud574\ubcf4\ub294 \ub178\ub825\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p>\ud22c\uc790 \uce21\uba74\uc5d0\uc11c\ub3c4, \uacbd\uc81c \ub274\uc2a4\ub294 \ub2e8\uc21c\ud788 \u2018\uc9c0\uae08 \ub2f9\uc7a5 \uc0ac\uc57c \ud558\ub098, \ud314\uc544\uc57c \ud558\ub098\u2019\ub97c \uacb0\uc815\ud574\uc8fc\ub294 \ub9e4\uac1c\uccb4\uac00 \uc544\ub2c8\ub77c, \uc804\uccb4\uc801\uc778 \uc2dc\uc7a5 \uc9c0\ud615\ub3c4\ub97c \uadf8\ub9ac\uac8c \ud574\uc8fc\ub294 \uc911\uc694\ud55c \ucc38\uc870\uc810\uc785\ub2c8\ub2e4. \uae08\ub9ac, \ubb3c\uac00, \uac70\uc2dc \uacbd\uc81c \uc815\ucc45, \uae00\ub85c\ubc8c \uacbd\uc81c \uc774\ubca4\ud2b8 \ub4f1\uc744 \uc885\ud569\uc801\uc73c\ub85c \ud30c\uc545\ud574\uc57c \ub9ac\uc2a4\ud06c\ub97c \uc904\uc774\uace0 \uc218\uc775 \uae30\ud68c\ub97c \ub192\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c \uc5b4\ub514\uae4c\uc9c0\ub098 \ub274\uc2a4\ub294 \ucc38\uace0\uc790\ub8cc\ub85c\uc11c, \ucd5c\uc885 \uacb0\uc815\uacfc \ucc45\uc784\uc740 \uac1c\uc778 \ubcf8\uc778\uc5d0\uac8c \uc788\ub2e4\ub294 \uc810\uc744 \uc78a\uc9c0 \ub9d0\uc544\uc57c \ud569\ub2c8\ub2e4. \uc2dc\uc7a5\uc5d0\ub294 \ub298 \u2018\uc608\uce21 \ubd88\uac00\ub2a5\uc131\u2019\uc774 \uc874\uc7ac\ud558\uba70, \uc774\uc5d0 \ub300\uc751\ud558\ub294 \ucd5c\uc120\uc758 \ubc29\ubc95\uc740 \uc790\uc2e0\uc758 \ud234\uacfc \uc6d0\uce59\uc744 \ud655\uc2e4\ud788 \uac16\ucd94\ub294 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uc7ac\ubb34 \uc804\ub7b5\uc740 \ub2e8\ubc1c\uc131\uc774 \uc544\ub2cc \u2018\uc7a5\uae30\uc801 \uc548\ubaa9\u2019\uc5d0\uc11c \uc6b4\uc601\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd \uc2dc\uae30\uc758 \uc791\uc740 \uc2b5\uad00\uacfc \uacb0\uc815\uc774 \ud6c4\uc77c\uc5d0 \ud070 \uc790\uc0b0 \ud639\uc740 \ud070 \ucc45\uc784\uc774 \ub418\uc5b4 \ub3cc\uc544\uc62c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \ub274\uc2a4\ub97c \ubcfc \ub54c\ub9c8\ub2e4 \ub0b4 \uacc4\ud68d\uacfc \uc5b4\ub5bb\uac8c \uc5f0\uacc4\ub418\uace0, \uc5b4\ub5a4 \ubcc0\uc218\uc5d0 \ub300\ube44\ud574\uc57c \ud558\ub294\uc9c0 \uccb4\ud06c\ud574\ubcf4\ub294 \ud0dc\ub3c4\ub97c \uae30\ub974\ub294 \uac83\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uadf8\ub807\uac8c \ud558\ub8e8\ud558\ub8e8 \uc791\uc740 \uc815\ubcf4\ub97c \ubaa8\uc73c\uace0, \ud1b5\ucc30\uc744 \ucd95\uc801\ud558\ub2e4 \ubcf4\uba74, \ud754\ub4e4\ub9ac\ub294 \uc2dc\uc7a5 \ud658\uacbd \uc18d\uc5d0\uc11c\ub3c4 \uc790\uae30\ub9cc\uc758 \ub69c\ub837\ud55c \ubc29\ud5a5\uc131\uc744 \uc720\uc9c0\ud560 \uc218 \uc788\uac8c \ub420 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\ubd88\ud655\uc2e4\uc131\uc774 \uc77c\uc0c1\uc774 \ub41c 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