{"id":57332,"date":"2025-03-20T23:09:43","date_gmt":"2025-03-20T14:09:43","guid":{"rendered":"https:\/\/m9js.shop\/blog\/lifestyle\/how-to-write-an-investment-journal-for-beginners-in-finance"},"modified":"2025-03-20T23:09:46","modified_gmt":"2025-03-20T14:09:46","slug":"how-to-write-an-investment-journal-for-beginners-in-finance","status":"publish","type":"post","link":"https:\/\/m9js.shop\/blog\/lifestyle\/how-to-write-an-investment-journal-for-beginners-in-finance","title":{"rendered":"\uc7ac\ud14c\ud06c \ucd08\ubcf4\uc790\ub97c \uc704\ud55c \ud22c\uc790 \uc77c\uc9c0 \uc791\uc131\ubc95"},"content":{"rendered":"<ul class=\"toc_post_list\">\n<li>\n<h2>\ubaa9\ucc28<\/h2>\n<ul>\n<li><a href=\"#%ec%9e%ac%ed%85%8c%ed%81%ac-%ec%b4%88%eb%b3%b4%ec%9e%90%eb%a5%bc-%ec%9c%84%ed%95%9c-%ed%88%ac%ec%9e%90-%ec%9d%bc%ec%a7%80-%ec%9e%91%ec%84%b1%eb%b2%95-ZamydQTtyt\">\uc7ac\ud14c\ud06c \ucd08\ubcf4\uc790\ub97c \uc704\ud55c \ud22c\uc790 \uc77c\uc9c0 \uc791\uc131\ubc95<\/a><\/li>\n<li><a href=\"#1-%ed%88%ac%ec%9e%90-%ec%9d%bc%ec%a7%80-%ec%9e%91%ec%84%b1%ec%9d%98-%ea%b8%b0%eb%b3%b8-%ec%9d%b4%ed%95%b4-ZamydQTtyt\">1. \ud22c\uc790 \uc77c\uc9c0 \uc791\uc131\uc758 \uae30\ubcf8 \uc774\ud574<\/a><\/li>\n<li><a href=\"#2-%ec%b5%9c%ea%b7%bc-%ed%88%ac%ec%9e%90-%eb%8f%99%ed%96%a5-%eb%b6%84%ec%84%9d%ea%b3%bc-%ed%99%9c%ec%9a%a9-ZamydQTtyt\">2. \ucd5c\uadfc \ud22c\uc790 \ub3d9\ud5a5 \ubd84\uc11d\uacfc \ud65c\uc6a9<\/a><\/li>\n<li><a href=\"#3-%eb%aa%a9%ed%91%9c-%ec%84%a4%ec%a0%95-%eb%b0%8f-%ed%88%ac%ec%9e%90-%ec%a0%84%eb%9e%b5-%ea%b5%ac%ec%b2%b4%ed%99%94-ZamydQTtyt\">3. \ubaa9\ud45c \uc124\uc815 \ubc0f \ud22c\uc790 \uc804\ub7b5 \uad6c\uccb4\ud654<\/a><\/li>\n<li><a href=\"#4-%ec%8b%a4%ed%96%89-%eb%b0%8f-%ec%a0%90%ea%b2%80-%ed%88%ac%ec%9e%90-%ec%9d%bc%ec%a7%80%ec%9d%98-%ec%a7%80%ec%86%8d%ec%a0%81%ec%9d%b8-%ea%b4%80%eb%a6%ac-ZamydQTtyt\">4. \uc2e4\ud589 \ubc0f \uc810\uac80: \ud22c\uc790 \uc77c\uc9c0\uc758 \uc9c0\uc18d\uc801\uc778 \uad00\ub9ac<\/a><\/li>\n<li><a href=\"#%ea%b2%b0%eb%a1%a0-ZamydQTtyt\">\uacb0\ub860<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h1 id=\"%ec%9e%ac%ed%85%8c%ed%81%ac-%ec%b4%88%eb%b3%b4%ec%9e%90%eb%a5%bc-%ec%9c%84%ed%95%9c-%ed%88%ac%ec%9e%90-%ec%9d%bc%ec%a7%80-%ec%9e%91%ec%84%b1%eb%b2%95-ZamydQTtyt\">\uc7ac\ud14c\ud06c \ucd08\ubcf4\uc790\ub97c \uc704\ud55c \ud22c\uc790 \uc77c\uc9c0 \uc791\uc131\ubc95<\/h1>\n<p>\uc624\ub298\ub0a0 \uc800\uae08\ub9ac \uc2dc\ub300\uc640 \ubcc0\ub3d9\uc131 \ub192\uc740 \uacbd\uc81c \ud658\uacbd\uc5d0\uc11c \uc7ac\ud14c\ud06c\ub294 \ub354 \uc774\uc0c1 \uc120\ud0dd\uc774 \uc544\ub2cc \ud544\uc218\uac00 \ub418\uc5c8\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \ud22c\uc790\uc5d0 \ucc98\uc74c \uc785\ubb38\ud558\ub294 \uc774\ub4e4\uc5d0\uac8c\ub294 \ubcf5\uc7a1\ud55c \uae08\uc735\uc0c1\ud488, \ubaa9\ud45c \uc124\uc815, \uc815\ubcf4 \ubd84\uc11d \ub4f1 \uc218\ub9ce\uc740 \uc694\uc18c\uac00 \ud63c\ub780\uc2a4\ub7fd\uac8c \ub2e4\uac00\uc62c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc0c1\ud669 \uc18d\uc5d0\uc11c \uccb4\uacc4\uc801\uc778 \ud22c\uc790 \uc2b5\uad00\uc744 \uc7a1\uc544\uc8fc\ub294 \ud575\uc2ec \ub3c4\uad6c\uac00 \ubc14\ub85c \u2018\ud22c\uc790 \uc77c\uc9c0\u2019\uc785\ub2c8\ub2e4. \ud22c\uc790 \uc77c\uc9c0\ub294 \uc790\uc2e0\uc758 \ud22c\uc790 \ubaa9\ud45c, \uc804\ub7b5, \uc2e4\ud589 \uacfc\uc815, \uadf8\ub9ac\uace0 \uacb0\uacfc\ub97c \uac1d\uad00\uc801\uc73c\ub85c \uc815\ub9ac\ud558\uc5ec \uac1c\uc120\uc810\uc744 \ucc3e\ub294 \ub370 \ud070 \ub3c4\uc6c0\uc744 \uc90d\ub2c8\ub2e4.<\/p>\n<p>\ubcf8 \uac00\uc774\ub4dc\ub294 \uc7ac\ud14c\ud06c\uc5d0 \ub9c9 \ubc1c\uc744 \ub4e4\uc778 \ucd08\ubcf4\uc790\ub4e4\uc744 \uc704\ud574, \ud6a8\uacfc\uc801\uc778 \ud22c\uc790 \uc77c\uc9c0 \uc791\uc131 \ubc29\ubc95\uc744 \uae4a\uc774 \uc788\uac8c \ub2e4\ub8f9\ub2c8\ub2e4. \ub2e8\uc21c\ud788 \ub9e4\ub9e4 \uae30\ub85d\ub9cc \uc801\uc5b4\ub450\ub294 \uac83\uc774 \uc544\ub2cc, \uc65c \ud22c\uc790\ub97c \ud588\ub294\uc9c0\ubd80\ud130 \uc5b4\ub5a4 \uc131\uacfc\uc640 \ub9ac\uc2a4\ud06c\uac00 \uc788\uc5c8\ub294\uc9c0\uae4c\uc9c0 \uccb4\uacc4\uc801\uc73c\ub85c \ub0a8\uaca8\ub193\uc544\uc57c \ud569\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \ud22c\uc790 \uc131\uacfc\ub97c \ub192\uc774\uace0, \uc2e4\ud328\uc758 \uc6d0\uc778\uc744 \ubd84\uc11d\ud558\uba70, \ub354\uc6b1 \uc54c\ucc2c \uc7ac\ud14c\ud06c \uc5ec\uc815\uc744 \ub9cc\ub4e4\uc5b4\uac08 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4. \uc774\uc81c\ubd80\ud130 \ucd1d 4\uac1c\uc758 \uc139\uc158\uc73c\ub85c \ub098\ub204\uc5b4 \ud22c\uc790 \uc77c\uc9c0 \uc791\uc131 \ubc29\ubc95\uacfc \ucd5c\uc2e0 \ud22c\uc790 \ub3d9\ud5a5, \uadf8\ub9ac\uace0 \uad6c\uccb4\uc801\uc778 \uc804\ub7b5 \uc218\ub9bd \ubc0f \uc2e4\ud589 \ubc29\uc548\uc5d0 \ub300\ud574 \uc0b4\ud3b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<h2 id=\"1-%ed%88%ac%ec%9e%90-%ec%9d%bc%ec%a7%80-%ec%9e%91%ec%84%b1%ec%9d%98-%ea%b8%b0%eb%b3%b8-%ec%9d%b4%ed%95%b4-ZamydQTtyt\">1. \ud22c\uc790 \uc77c\uc9c0 \uc791\uc131\uc758 \uae30\ubcf8 \uc774\ud574<\/h2>\n<p>\ud22c\uc790 \uc77c\uc9c0\ub97c \uc791\uc131\ud558\uae30 \uc804, \uba3c\uc800 \uadf8 \ubaa9\uc801\uacfc \uc758\ubbf8\ub97c \uae4a\uc774 \uc774\ud574\ud574\uc57c \ud569\ub2c8\ub2e4. \ud754\ud788 \ud22c\uc790 \uc77c\uc9c0\ub294 \ub9e4\ub9e4 \uc2dc\uc810\uacfc \uac00\uaca9\ub9cc \uc801\uc5b4\ub193\ub294 \uac83\uc73c\ub85c \uc0dd\uac01\ud558\uae30 \uc27d\uc9c0\ub9cc, \uc2e4\uc81c\ub85c\ub294 \ud6e8\uc52c \ub354 \ud3ed\ub113\uc740 \uc815\ubcf4\ub97c \ub2f4\uace0 \uc788\uc5b4\uc57c \ud569\ub2c8\ub2e4. \uc608\ucee8\ub300 \ud22c\uc790 \ub3d9\uae30\ub97c \uae30\ub85d\ud568\uc73c\ub85c\uc368 &#8216;\uc65c \uc774 \uc885\ubaa9\uc744 \uc120\ud0dd\ud588\ub294\uac00&#8217;\ub77c\ub294 \uc9c8\ubb38\uc5d0 \ub300\ud55c \ub2f5\uc744 \uba85\ud655\ud788 \ud560 \uc218 \uc788\uace0, \ub9e4\uc218\u00b7\ub9e4\ub3c4 \uacb0\uc815\uc744 \ub0b4\ub9b4 \ub54c \ud2b9\uc815 \uc9c0\ud45c\ub098 \ub274\uc2a4\ub97c \ucc38\uace0\ud588\ub294\uc9c0\uc5d0 \ub300\ud55c \uacfc\uc815\uc744 \uad6c\uccb4\uc801\uc73c\ub85c \ub0a8\uaca8 \uc2a4\uc2a4\ub85c\uc758 \ud310\ub2e8 \uadfc\uac70\ub97c \ub418\uc9da\uc5b4\ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \ucd08\ubcf4\ub2e8\uacc4\uc5d0\uc11c\ub294 \uac10\uc815\uc801\uc778 \ud2b8\ub808\uc774\ub529\uc744 \ud558\uae30 \uc26c\uc6b0\ubbc0\ub85c, \uadf8 \uc2dc\uc810\uc758 \uac10\uc815 \uc0c1\ud0dc\ub098 \uc2dc\uc7a5\uc758 \ubd84\uc704\uae30 \ub4f1\uc744 \ud568\uaed8 \uc801\uc5b4\ub450\uba74 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<p>\ud22c\uc790 \uc77c\uc9c0\ub97c \uc791\uc131\ud558\ub294 \uc8fc\ub41c \uc774\uc810 \uc911 \ud558\ub098\ub294 \uc790\uae30 \uac1d\uad00\ud654\uc5d0 \uc788\uc2b5\ub2c8\ub2e4. \uc6b0\ub9ac\ub294 \uc885\uc885 \uc218\uc775\uc744 \ub0b8 \uae30\uc5b5\ub9cc \uac15\uc870\ud558\uace0 \uc190\uc2e4\uc5d0 \ub300\ud55c \ubc18\uc131\uc744 \uc18c\ud640\ud788 \ud558\uae30 \ub9c8\ub828\uc785\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc2e4\uc81c\ub85c \uc218\uce58\ud654\ub41c \uc190\uc775\uacfc, \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9b4 \ub2f9\uc2dc\uc758 \ud310\ub2e8 \uadfc\uac70\ub97c \ub0c9\uc815\ud558\uac8c \uc0b4\ud3b4\ubcf4\uba74, \ubb34\uc5c7\uc774 \uc798\ubabb\ub418\uc5c8\ub294\uc9c0 \ud639\uc740 \ubb34\uc5c7\uc774 \uc798 \ub4e4\uc5b4\ub9de\uc558\ub294\uc9c0 \uba85\ud655\ud574\uc9d1\ub2c8\ub2e4. \ub610\ud55c \uc774\ub7ec\ud55c \uacfc\uc815\uc5d0\uc11c \uac19\uc740 \uc2e4\uc218\ub97c \ubc18\ubcf5\ud558\uc9c0 \uc54a\uc744 \uc218 \uc788\uace0, \uc131\uacf5 \ud328\ud134\uc740 \uacc4\uc18d \uc720\uc9c0 \ubc0f \ubc1c\uc804\uc2dc\ud0ac \uc218 \uc788\uac8c \ub429\ub2c8\ub2e4.<\/p>\n<p>\ubb34\uc5c7\ubcf4\ub2e4 \ud22c\uc790 \uc77c\uc9c0\ub97c \uc81c\ub300\ub85c \uc791\uc131\ud558\ub824\uba74, \uae30\ub85d\ud574\uc57c \ud560 \ud575\uc2ec \ud56d\ubaa9\ub4e4\uc744 \uad6c\uccb4\uc801\uc73c\ub85c \uc124\uc815\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ubcf4\ud1b5 \ud22c\uc790 \uc77c\uc9c0\uc5d0\ub294 \ub2e4\uc74c\uacfc \uac19\uc740 \ub0b4\uc6a9\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4:<\/p>\n<ul>\n<li>\ub0a0\uc9dc \ubc0f \uc2dc\uac04: \ub9e4\ub9e4 \uc2dc\uc810, \uc2dc\uc7a5 \uc0c1\ud669 \ub4f1\uc744 \ud655\uc778\ud558\uae30 \uc704\ud574 \uaf2d \ud544\uc694\ud55c \uae30\ubcf8 \uc815\ubcf4\uc785\ub2c8\ub2e4.<\/li>\n<li>\ud22c\uc790 \ub300\uc0c1 \uba85\uce6d: \uc8fc\uc2dd\uc774\ub77c\uba74 \uc885\ubaa9\uba85, \ud380\ub4dc\ub77c\uba74 \ud380\ub4dc\uba85, ETF\ub77c\uba74 \ud574\ub2f9 ETF \uba85 \ub4f1.<\/li>\n<li>\ud22c\uc790 \uae08\uc561 \ubc0f \ub2e8\uac00: \ucd1d \ud22c\uc790\uc561, \ud3c9\uade0 \ub2e8\uac00 \ub4f1\uc744 \uc790\uc138\ud788 \uae30\ub85d\ud574\ub461\ub2c8\ub2e4.<\/li>\n<li>\ud22c\uc790 \ubaa9\uc801 \ubc0f \ubc30\uacbd: \uc65c \uc774 \uc0c1\ud488\uc774\ub098 \uc885\ubaa9\uc744 \uace8\ub790\ub294\uc9c0, \uadf8 \uc774\uc720\uc640 \uae30\ub300\ud6a8\uacfc\ub97c \uba54\ubaa8\ud569\ub2c8\ub2e4.<\/li>\n<li>\uc758\uc0ac \uacb0\uc815\uc758 \uadfc\uac70: \uae0d\uc815\uc801\u00b7\ubd80\uc815\uc801 \uc9c0\ud45c, \uacbd\uc81c \ub274\uc2a4, \uc560\ub110\ub9ac\uc2a4\ud2b8 \ubcf4\uace0\uc11c \ub4f1 \ucc38\uace0\ud55c \uc790\ub8cc.<\/li>\n<li>\uac10\uc815 \uc0c1\ud0dc \ubc0f \uc2dc\uc7a5 \ubd84\uc704\uae30: \uacf5\ud3ec\ub85c \uc778\ud574 \ub9e4\ub3c4\ud588\ub294\uc9c0, \uc695\uc2ec\uc73c\ub85c \uc778\ud574 \ubb34\ub9ac\ud558\uac8c \ub9e4\uc218\ud588\ub294\uc9c0 \ub4f1.<\/li>\n<li>\uc131\uacfc \uce21\uc815 \uae30\uc900: \uc218\uc775\ub960, \uae30\uac04, \ubaa9\ud45c \uc218\uc775\uae08 \ub4f1 \uc2a4\uc2a4\ub85c \uc124\uc815\ud55c \ubaa9\ud45c\uce58 \ub300\ube44 \uacb0\uacfc.<\/li>\n<li>\ucd94\uac00 \uba54\ubaa8: \ud5a5\ud6c4 \uc804\ub7b5, \uac1c\uc120\uc810, \ud68c\uace0 \ub0b4\uc6a9 \ub4f1 \ud544\uc694\ud55c \uc815\ubcf4\ub97c \ub9c8\uc74c\uaecf \ucca8\ubd80.<\/li>\n<\/ul>\n<p>\uc774\ucc98\ub7fc \uac04\ub2e8\ud55c \uba54\ubaa8 \ubc29\uc2dd\uc774 \uc544\ub2c8\ub77c, \uc758\uc0ac \uacb0\uc815 \uacfc\uc815\uacfc \uadf8 \uacb0\uacfc\ub97c \ub418\uc9da\uc5b4\ubcfc \uc218 \uc788\ub3c4\ub85d \uc138\uc138\ud55c \uae30\ub85d\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.<\/p>\n<p>\ud22c\uc790 \uc77c\uc9c0\ub97c \uafb8\uc900\ud788 \uc791\uc131\ud558\uba74, \ucd94\ud6c4\uc5d0 \u2018\uc5b4\ub5a4 \uc694\uc18c\uac00 \uc131\ud328\ub97c \uc88c\uc6b0\ud588\ub294\uc9c0\u2019 \ub354\uc6b1 \uba85\ud655\ud574\uc9d1\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, A\ub77c\ub294 \uc885\ubaa9\uc744 \ub9e4\uc218\ud558\uae30 \uc804\uc5d0\ub294 \uad6d\ub0b4 \uc2dc\uc7a5 \ud638\uc7ac \ub300\uc2e0 \ud574\uc678 \uc2dc\uc7a5\uc758 \uc545\uc7ac\ub9cc \uc9d1\uc911\uc801\uc73c\ub85c \uace0\ub824\ud588\uc744 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub9ac\uace0 \uadf8\ub7f0 \ud3b8\ud5a5\uc774 \uc2e4\uc81c \uc218\uc775\uc5d0 \uc5b4\ub5a4 \uc601\ud5a5\uc744 \ubbf8\ucce4\ub294\uc9c0 \uc77c\uc9c0\ub97c \ud1b5\ud574 \uac80\uc99d\ud558\uba74, \ub2e4\uc74c \ud22c\uc790\ub97c \ud560 \ub54c \ubcf4\ub2e4 \uac1d\uad00\uc801\uc73c\ub85c \ud310\ub2e8\ud560 \uc218 \uc788\ub294 \ub2a5\ub825\uc774 \uc0dd\uae41\ub2c8\ub2e4. \uacb0\uad6d \ud22c\uc790 \uc77c\uc9c0\ub294 \ub2e8\uc21c\ud55c \uae30\ub85d\uc9c0\uac00 \uc544\ub2c8\ub77c, \ud22c\uc790 \uc2b5\uad00\uc758 \uac1c\uc120\uacfc \uc0c1\ud5a5 \ud3c9\uc900\ud654\ub97c \ub04c\uc5b4\ub0b4\ub294 \ub3c4\uad6c\ub77c\uace0 \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ud22c\uc790 \uc77c\uc9c0 \uc791\uc131\uc758 \ud575\uc2ec\uc740 \u2018\uc9c0\uc18d\uc131\u2019\uc774\ub77c\ub294 \uc810\ub3c4 \uc78a\uc9c0 \uc54a\uc544\uc57c \ud569\ub2c8\ub2e4. \ud55c\ub450 \ubc88 \uc791\uc131\ud588\ub2e4\uac00 \uc911\ub2e8\ud558\uba74, \ub204\uc801\ub41c \ub370\uc774\ud130\ub97c \ud1b5\ud574 \ud328\ud134\uc744 \ud30c\uc545\ud558\ub294 \uacfc\uc815\uc774 \ubb34\uc758\ubbf8\ud574\uc9d1\ub2c8\ub2e4. \uafb8\uc900\ud55c \uae30\ub85d\uc740 \ud2b9\uc815 \uacc4\uc808\uc5d0 \uae30\uc778\ud55c \uc2dc\uc7a5 \ubcc0\ub3d9\uc774\ub098, \uacbd\uc81c \uc0ac\uc774\ud074\uc758 \ud2b9\uc815 \uad6d\uba74\uc5d0\uc11c \ub098\ud0c0\ub098\ub294 \ubcf8\uc778\uc758 \ud22c\uc790 \uc131\ud5a5 \ub4f1\uc744 \ud30c\uc545\ud558\uac8c \ud574\uc90d\ub2c8\ub2e4. \uc608\ucee8\ub300 2023\ub144 \ub4e4\uc5b4 \uae08\ub9ac\uac00 \uc778\uc0c1\ub418\uba74\uc11c \uc131\uc7a5\uc8fc\uac00 \ud0c0\uaca9\uc744 \uc785\uc5c8\uc744 \ub54c, \ub098\uc758 \ub9e4\ub9e4 \uc120\ud0dd\uc5d0\ub294 \uc5b4\ub5a4 \ud328\ud134\uc774 \uc788\uc5c8\ub294\uc9c0 \uc0b4\ud53c\uba74 \uac19\uc740 \ud328\ud134\uc5d0\uc11c \uc190\uc2e4\uc774 \ubc18\ubcf5\ub418\ub294 \uac83\uc744 \ub9c9\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c \ud22c\uc790 \uc77c\uc9c0\ub97c \uacf5\uc720\ud558\uac70\ub098 \uc2a4\ud130\ub514 \uadf8\ub8f9 \ub0b4\uc5d0\uc11c \ud568\uaed8 \uc810\uac80\ud558\ub294 \uac83\ub3c4 \uc88b\uc740 \ubc29\ubc95\uc785\ub2c8\ub2e4. \uac1c\uc778\uc758 \ud22c\uc790 \uace0\ubbfc\uacfc \uacb0\uc815\uc744 \ub0a8\uc5d0\uac8c \uacf5\uac1c\ud558\ub294 \uac83\uc740 \uc26c\uc6b4 \uc77c\uc774 \uc544\ub2c8\uc9c0\ub9cc, \ud568\uaed8 \ud1a0\ub860\ud558\uace0 \ud53c\ub4dc\ubc31\uc744 \uc8fc\uace0\ubc1b\uc73c\uba74 \ubcf8\uc778\uc774 \ubbf8\ucc98 \ubc1c\uacac\ud558\uc9c0 \ubabb\ud55c \ud1b5\ucc30\uc744 \uc5bb\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uc8fc\ubcc0\uc5d0 \uc2e0\ub8b0\ud560 \ub9cc\ud55c \uba58\ud1a0\ub098 \uacbd\ud5d8\uc774 \ub9ce\uc740 \ud22c\uc790\uc790\uac00 \uc788\ub2e4\uba74, \ud22c\uc790 \uc77c\uc9c0\ub97c \ubcf4\uc5ec\uc8fc\uace0 \uc870\uc5b8\uc744 \uad6c\ud558\ub294 \uacfc\uc815\uc5d0\uc11c \uc608\ub9ac\ud55c \uc9c0\uc801\uacfc \uac1c\uc120 \ubc29\ud5a5\uc744 \uc81c\uc2dc\ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc774\ucc98\ub7fc \ud22c\uc790 \uc77c\uc9c0\ub294 \ubc18\ubcf5\ub418\ub294 \uc2dc\uc7a5 \ubcc0\ub3d9 \uc18d\uc5d0\uc11c\ub3c4 \uc790\uc2e0\ub9cc\uc758 \uae30\uc900\uacfc \uc6d0\uce59\uc744 \uc138\uc6b0\uac8c \ud574\uc8fc\uace0, \uad81\uadf9\uc801\uc73c\ub85c\ub294 \ud22c\uc790 \uc758\uc0ac \uacb0\uc815\uc758 \uc644\uc131\ub3c4\ub97c \ub192\uc774\uac8c \ub9cc\ub4ed\ub2c8\ub2e4. \uac1c\uc778 \ud22c\uc790\uc790\ub77c\uba74 \ud2b9\ud788 \ucda9\ub3d9 \ub9e4\ub9e4\uc5d0 \ub300\ud55c \ub9ac\uc2a4\ud06c\uac00 \ud070\ub370, \ud22c\uc790 \uc77c\uc9c0\ub97c \uc0c1\uc138\ud788 \uc791\uc131\ud574\ub450\uba74 \u2018\uc65c \ub0b4\uac00 \uc774 \uc2dc\uc810\uc5d0 \uc774 \uc885\ubaa9\uc744 \ub9e4\ub9e4\ud588\ub294\uac00?\u2019\ub77c\ub294 \uc9c8\ubb38\uc5d0 \ub300\ud574 \uc790\ubb38\uc790\ub2f5\ud560 \uadfc\uac70\uac00 \uc0dd\uaca8, \ucda9\ub3d9 \ub9e4\ub9e4\ub97c \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uacb0\ub860\uc801\uc73c\ub85c \ud22c\uc790 \uc77c\uc9c0\ub294 \uac1c\uc778\uc758 \uc7ac\ud14c\ud06c \uc5ec\uc815\uc744 \uac1d\uad00\uc801\uc774\uba74\uc11c\ub3c4 \uccb4\uacc4\uc801\uc73c\ub85c \uae30\ub85d\ud558\ub294 \ud6cc\ub96d\ud55c \ub3c4\uad6c\uc785\ub2c8\ub2e4. \ud22c\uc790 \uc2b5\uad00\uc744 \uad50\uc815\ud558\uace0, \uc790\uc2e0\ub9cc\uc758 \uc131\uacf5 \ud328\ud134\uc744 \ucc3e\uc744 \uc218 \uc788\ub3c4\ub85d \ub3d5\ub294 \uac15\ub825\ud55c \ubb34\uae30\ub77c\ub294 \uc810\uc5d0\uc11c \ucd08\ubcf4\uc790\ubfd0 \uc544\ub2c8\ub77c \uc804\ubb38\uac00\uc5d0\uac8c\ub3c4 \uaf2d \ud544\uc694\ud55c \uc874\uc7ac\uc774\uc9c0\uc694. \ub9c8\uce58 \uc804\ubb38 \ud2b8\ub808\uc774\ub354\ub4e4\uc774 \ub9e4\uc77c\ub9e4\uc77c \uc2dc\uc7a5\uc744 \ubd84\uc11d\ud558\uace0 \uae30\ub85d\ud574\ub450\ub294 \uc2b5\uad00\uacfc \ub9c8\ucc2c\uac00\uc9c0\ub85c, \uc774\uc81c \ub9c9 \uc2dc\uc791\ud558\ub294 \ucd08\ubcf4\uc790\ub77c\uba74 \ub354\ub354\uc6b1 \uccb4\uacc4\uc801\uc778 \uc77c\uc9c0 \uc4f0\uae30\uc5d0 \ubab0\ub450\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\uc774\uc81c \ud22c\uc790 \uc77c\uc9c0\uc758 \uc911\uc694\uc131\uacfc \ud575\uc2ec \uad6c\uc131 \uc694\uc18c, \uadf8\ub9ac\uace0 \uc77c\uc9c0 \uc791\uc131\uc744 \ud1b5\ud574 \uc5bb\uc744 \uc218 \uc788\ub294 \uc774\uc810\uc744 \uc0b4\ud3b4\ubcf4\uc558\uc2b5\ub2c8\ub2e4. \ub2e4\uc74c \uc139\uc158\uc5d0\uc11c\ub294 \ucd5c\uadfc\uc758 \ud22c\uc790 \ud2b8\ub80c\ub4dc\uc640 \ucd08\ubcf4\uc790\ub4e4\uc774 \uc8fc\ubaa9\ud574\uc57c \ud560 \uc2dc\uc7a5 \ud604\ud669\uc5d0 \uad00\ud574 \uc880 \ub354 \uae4a\uc774 \uc788\uac8c \ub2e4\ub8e8\uba70, \uc774\ub97c \ud22c\uc790 \uc77c\uc9c0 \uc791\uc131\uc5d0 \uc5b4\ub5bb\uac8c \ubc18\uc601\ud574\uc57c \ud558\ub294\uc9c0\ub97c \uad6c\uccb4\uc801\uc73c\ub85c \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<h2 id=\"2-%ec%b5%9c%ea%b7%bc-%ed%88%ac%ec%9e%90-%eb%8f%99%ed%96%a5-%eb%b6%84%ec%84%9d%ea%b3%bc-%ed%99%9c%ec%9a%a9-ZamydQTtyt\">2. \ucd5c\uadfc \ud22c\uc790 \ub3d9\ud5a5 \ubd84\uc11d\uacfc \ud65c\uc6a9<\/h2>\n<p>\ud22c\uc790 \uc77c\uc9c0 \uc791\uc131\uc758 \uae30\ubcf8\uc801\uc778 \uace8\uaca9\uc744 \uc774\ud574\ud588\ub2e4\uba74, \uc774\uc81c \ud55c \ubc1c \ub354 \ub098\uc544\uac00 \ucd5c\uadfc \ud22c\uc790 \ub3d9\ud5a5\uc744 \ubd84\uc11d\ud558\uace0 \uc77c\uc9c0\uc5d0 \ubc18\uc601\ud558\ub294 \ubc29\ubc95\uc744 \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. 2023\ub144\uc744 \uc804\ud6c4\ud558\uc5ec \uae00\ub85c\ubc8c \uacbd\uc81c\uc758 \uc591\uc0c1\uc740 \uae09\uaca9\ud558\uac8c \ubcc0\ub3d9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uae08\ub9ac \uc778\uc0c1, \uc778\ud50c\ub808\uc774\uc158, \uc9c0\uc815\ud559\uc801 \ub9ac\uc2a4\ud06c \ub4f1 \ub2e4\uc591\ud55c \uc694\uc778 \uc18d\uc5d0\uc11c \uad6d\ub0b4\uc678 \uc99d\uc2dc\uc640 \ucc44\uad8c, \ubd80\ub3d9\uc0b0 \uc2dc\uc7a5, \uc554\ud638\ud654\ud3d0 \uc2dc\uc7a5\uae4c\uc9c0 \ube60\ub974\uac8c \uc6c0\uc9c1\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud22c\uc790 \ucd08\ubcf4\uc790\ub77c\ub3c4 \uc774 \uac19\uc740 \uac70\uc2dc\uacbd\uc81c \ud750\ub984\uc5d0 \uc8fc\ubaa9\ud574\uc57c \ud558\ub294 \uc774\uc720\ub294, \uc774\ub7f0 \ub3d9\ud5a5\uc744 \uc77c\uc9c0\uc5d0 \uae30\ub85d\ud558\uace0 \uafb8\uc900\ud788 \ubcf5\uae30(\u5fa9\u68cb)\ud568\uc73c\ub85c\uc368 \uac1c\uc778\uc801\uc73c\ub85c \uc138\uc6b4 \ub9e4\uc218\u00b7\ub9e4\ub3c4 \uc2dc\ub098\ub9ac\uc624\uac00 \uc2dc\uc7a5 \ud750\ub984\uacfc \uc5b4\ub5bb\uac8c \uc5f0\uacb0\ub418\ub294\uc9c0 \ud30c\uc545\ud560 \uc218 \uc788\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n<p>\ud2b9\ud788 \ud55c\uad6d \uc2dc\uc7a5\uc5d0\uc11c\ub294 2023\ub144 \uc774\ud6c4 \ud55c\uad6d\uc740\ud589\uc774 \ubb3c\uac00 \uc548\uc815\uacfc \uacbd\uae30 \ubd80\uc591 \uc0ac\uc774\uc5d0\uc11c \ubbf8\ubb18\ud55c \uae08\ub9ac \uc815\ucc45\uc744 \ud3bc\uce58\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud55c\uad6d\uc740\ud589 \ud1b5\uacc4 \uc790\ub8cc\uc5d0 \ub530\ub974\uba74 \uc9c0\ub09c 1\ub144\uac04 \uae30\uc900\uae08\ub9ac\uac00 \uc774\uc804\ubcf4\ub2e4 \ud06c\uac8c \uc0c1\uc2b9\ud558\uc5ec, \uc8fc\uc2dd \uc2dc\uc7a5\uc5d0\uc11c\ub294 \uac00\uce58\uc8fc\uc640 \ubc30\ub2f9\uc8fc\uac00 \uc0c1\ub300\uc801\uc73c\ub85c \uac01\uad11\uc744 \ubc1b\uace0, \ubd80\ub3d9\uc0b0 \uc2dc\uc7a5\uc5d0\uc11c\ub294 \u2018\uae08\ub9ac \ubd80\ub2f4\u2019 \ud0d3\uc5d0 \uac70\ub798\ub7c9\uc774 \uac10\uc18c\ud558\ub294 \ud604\uc0c1\uc774 \uc774\uc5b4\uc84c\uc2b5\ub2c8\ub2e4. \uc774\ucc98\ub7fc \uae08\ub9ac \uc815\ucc45\uc740 \ud22c\uc790 \ud658\uacbd\uc5d0 \uacb0\uc815\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4. \ub530\ub77c\uc11c \u201c\ub0b4\uac00 \ubcf4\uc720\ud558\uace0 \uc788\uac70\ub098 \uad00\uc2ec\uc744 \ub450\ub294 \uc790\uc0b0\uc774 \uae08\ub9ac \ubcc0\ud654\uc5d0 \uc5b4\ub5a4 \uc601\ud5a5\uc744 \ubc1b\ub294\uac00\u201d\ub77c\ub294 \uc9c8\ubb38\uc744 \ud22c\uc790 \uc77c\uc9c0\uc5d0 \uafb8\uc900\ud788 \uae30\ub85d\ud574\ub450\uace0, CNN, Bloomberg, \ud55c\uad6d\uc740\ud589 \uacbd\uc81c\ub3d9\ud5a5 \ubcf4\uace0\uc11c \ub4f1\uc5d0\uc11c \ubc1c\ud45c\ud558\ub294 \uacf5\uc2dd \ud1b5\uacc4\ub97c \ucc38\uace0\ud558\uc5ec \uac1d\uad00\uc801\uc778 \uc2dc\uac01\uc744 \ub354\ud574\uc8fc\uba74 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ucd5c\uadfc\uc5d0\ub294 ESG(\ud658\uacbd\u00b7\uc0ac\ud68c\u00b7\uc9c0\ubc30\uad6c\uc870) \ud2b8\ub80c\ub4dc\uac00 \ub354\uc6b1 \ubd80\uc0c1\ud558\ub294 \ubaa8\uc2b5\ub3c4 \ub208\uc5ec\uaca8\ubcfc \ub9cc\ud569\ub2c8\ub2e4. \uc804 \uc138\uacc4\uc801\uc73c\ub85c \uc9c0\uc18d\uac00\ub2a5\uc131\uacfc \uae30\uc5c5\uc758 \uc0ac\ud68c\uc801 \ucc45\uc784\uc774 \uac15\uc870\ub418\uba74\uc11c, ESG \uc9c0\ud45c\uac00 \ub192\uc740 \uae30\uc5c5\ub4e4\uc5d0 \ub300\ud55c \ud22c\uc790\uac00 \uc9c0\uc18d\uc801\uc73c\ub85c \ub298\uc5b4\ub098\ub294 \ucd94\uc138\uc785\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \uad6d\ub0b4 \ub300\ud45c ESG ETF\ub4e4\uc740 \uacfc\uac70 \uc804\ud1b5\uc801\uc778 \uc2dc\uc7a5 \ub300\ube44 \uc870\uae08 \ub290\ub9ac\uac8c \uc131\uc7a5\ud588\uc9c0\ub9cc, \ud658\uacbd \uad00\ub828 \uaddc\uc81c\uac00 \ub298\uc5b4\ub098\uba74\uc11c \uc608\uc0c1\ubcf4\ub2e4 \ube60\ub978 \uc2dc\uae30\uc5d0 \uc218\uc775\ub960\uc774 \uac1c\ubcc4 \uc885\ubaa9 \uc911\uc2ec \ud22c\uc790\ubcf4\ub2e4 \uc548\uc815\uc801\uc77c \uc218 \uc788\ub2e4\ub294 \ud3c9\uac00\uac00 \ub098\uc635\ub2c8\ub2e4. \uc774\ub7f0 \ub3d9\ud5a5\uc744 \ud22c\uc790 \uc77c\uc9c0\uc5d0 \uae30\ub85d\ud560 \ub54c\ub294 \u201cESG \uae30\ubc18 \ud22c\uc790\uc0c1\ud488\u201d\uc744 \ub530\ub85c \uce74\ud14c\uace0\ub9ac\ud654\ud558\uac70\ub098, \ud639\uc740 \u201c\ubbf8\ub798\uc0b0\uc5c5 \ud14c\ub9c8\u201d\uc640 \uac19\uc740 \ubd84\ub958\ud45c\ub97c \ub9cc\ub4e4\uc5b4 \ub193\uc73c\uba74 \uc7a5\uae30\uc801\uc778 \uc2dc\uc7a5 \ubcc0\ud654 \ud750\ub984\uc744 \ub354 \uc27d\uac8c \ud30c\uc545\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc554\ud638\ud654\ud3d0 \uc2dc\uc7a5 \uc5ed\uc2dc 2021\ub144 \ub9d0\ubd80\ud130 \uac70\ud488\uc774 \uaebc\uc9c0\uba70 \ud558\ub77d\uc138\ub97c \ubcf4\uc600\uc9c0\ub9cc, 2023\ub144 \ub4e4\uc5b4 \uc77c\ubd80 \uc885\ubaa9\uc740 \ub2e4\uc2dc \ubc18\ub4f1 \uc870\uc9d0\uc744 \ubcf4\uc774\uae30\ub3c4 \ud588\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \ube44\ud2b8\ucf54\uc778 ETF \uc2b9\uc778\uacfc \uac19\uc740 \uc81c\ub3c4\uad8c \ud3b8\uc785\uc5d0 \ub300\ud55c \uae30\ub300\uac10\uc774 \uc2dc\uc7a5 \uc2ec\ub9ac\ub97c \uc5b4\ub290 \uc815\ub3c4 \uc6c0\uc9c1\uc600\uc2b5\ub2c8\ub2e4. \ub2e4\ub9cc \ubcc0\ub3d9\uc131\uc774 \uadf9\ub3c4\ub85c \ub192\uace0 \uc815\ucc45 \uaddc\uc81c \uc5ed\uc2dc \ubd88\ud655\uc2e4\uc131\uc774 \ud070 \ubd84\uc57c\uc774\ubbc0\ub85c, \ud22c\uc790 \uc77c\uc9c0\ub97c \uc791\uc131\ud560 \ub54c\ub294 \ub099\uad00\uc801 \uc804\ub9dd\uacfc \ud568\uaed8 \ubd80\uc815\uc801 \uc694\uc18c(\uaddc\uc81c \ub9ac\uc2a4\ud06c \ub4f1)\ub3c4 \uade0\ud615 \uc788\uac8c \uc801\uc5b4\ub450\uc5b4\uc57c \ud569\ub2c8\ub2e4. \ud22c\uc790\uc790 \ubcf8\uc778\uc774 \uc5b4\ub5a4 \uadfc\uac70\ub85c \uc9c4\uc785 \ub610\ub294 \uc774\ud0c8\uc744 \uacb0\uc815\ud588\ub294\uc9c0, \uadf8\ub9ac\uace0 \uadf8\uac83\uc774 \uc7a5\uae30\uc801\uc73c\ub85c \uc77c\uad00\uc131 \uc788\ub294 \uc120\ud0dd\uc774\uc5c8\ub294\uc9c0\ub4f1\uc744 \uc138\ubc00\ud788 \uc810\uac80\ud558\ub294 \uacfc\uc815\uc774 \ud544\uc218\uc785\ub2c8\ub2e4.<\/p>\n<p>\ud55c\ud3b8, \ud574\uc678 \uc8fc\uc2dd \uc2dc\uc7a5\uc5d0 \ub300\ud55c \uad00\uc2ec\ub3c4 \uafb8\uc900\ud788 \ub192\uc544\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \ubbf8\uad6d\uc758 \uae30\uc220\uc8fc\ub4e4\uc740 2023\ub144 \uc0c1\ubc18\uae30 \ub3d9\uc548 \uc778\uacf5\uc9c0\ub2a5(AI) \ubd90\uc73c\ub85c \uc778\ud574 \uc2dc\uc7a5\uc758 \uad00\uc2ec\uc744 \uc9d1\uc911\uc801\uc73c\ub85c \ubc1b\uc558\uc2b5\ub2c8\ub2e4. \uad6c\uae00, \ub9c8\uc774\ud06c\ub85c\uc18c\ud504\ud2b8, \ud14c\uc2ac\ub77c \ub4f1 \ub300\ud615 \uae30\uc220 \uc885\ubaa9\ub4e4\uc774 AI \ud22c\uc790\ub97c \ud655\ub300\ud558\uac70\ub098 \ud601\uc2e0\uc801\uc778 \ud504\ub85c\uc81d\ud2b8\ub97c \uacf5\uac1c\ud558\uba74\uc11c \uc8fc\uac00\uac00 \ucd9c\ub801\uc774\ub294 \ubaa8\uc2b5\uc744 \ubcf4\uc600\ub294\ub370, \uc774\ub294 \ucd08\ubcf4 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c\ub3c4 \ud765\ubbf8\ub85c\uc6b4 \ud14c\ub9c8\uc785\ub2c8\ub2e4. \ub2e4\ub9cc \ud22c\uc790\uac00 \ub2e8\uc21c\ud788 \uc720\ud589 \ub610\ub294 \ud14c\ub9c8\uc5d0 \uc88c\uc6b0\ub418\uc9c0 \uc54a\ub3c4\ub85d, \ud68c\uc0ac\uc758 \uc7ac\ubb34\uad6c\uc870\ub098 \ubbf8\ub798 \uc131\uc7a5\uc131\uc744 \uaf3c\uaf3c\ud788 \uc0b4\ud3b4\ubcf8 \ub4a4 \ud22c\uc790 \uc77c\uc9c0\uc5d0 \ud574\ub2f9 \ub0b4\uc6a9\uc744 \uccb4\uacc4\uc801\uc73c\ub85c \ub0a8\uae30\ub294 \uc2b5\uad00\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p>\ucc28\ud2b8\ub97c \ud1b5\ud55c \uae30\uc220\uc801 \ubd84\uc11d \uc5ed\uc2dc \ucd08\ubcf4\uc790\ub4e4\uc5d0\uac8c\ub294 \ud070 \uc219\uc81c \uc911 \ud558\ub098\uc778\ub370, \ucd5c\uadfc\uc5d0\ub294 \uc8fc\uc2dd\u00b7\uc554\ud638\ud654\ud3d0 \ubaa8\ub450 \uc54c\uace0\ub9ac\uc998 \ud2b8\ub808\uc774\ub529\uacfc \ud000\ud2b8 \uae30\ubc95 \ub4f1\uc774 \ub300\uc911\ud654 \ub418\uba74\uc11c \uac1c\uc778 \ud22c\uc790\uc790\ub3c4 \ub2e4\uc591\ud55c \uc815\ubcf4\ub97c \uc811\ud560 \uc218 \uc788\uac8c \ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc2a4\ud1a0\uce90\uc2a4\ud2f1\uc774\ub098 \ubcfc\ub9b0\uc800 \ubc34\ub4dc \uac19\uc740 \uc9c0\ud45c\ub4e4\uc744 \uc2e4\uc81c\ub85c \uc801\uc6a9\ud574\ubcf4\uace0, \uadf8 \uacb0\uacfc\ub97c \ud22c\uc790 \uc77c\uc9c0\uc5d0 \uae30\ub85d\ud574\ub450\uba74 \ubcf8\uc778\uc774 \uc5b4\ub5a4 \uc9c0\ud45c\uc5d0 \ub354 \uc798 \ub9de\ub294\uc9c0 \ud655\uc778\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ucee8\ub300 \u201c5\uc77c \uc774\ub3d9\ud3c9\uade0\uc120 \ub3cc\ud30c \uc2dc\uc810\uc744 \ub9e4\uc218 \uc2e0\ud638\ub85c \uc0bc\uc558\uc744 \ub54c \uc190\uc775\uc740 \uc5b4\ub560\ub294\uc9c0\u201d \ub4f1\uc744 \uc77c\uc9c0\uc5d0 \uae30\ub85d\ud558\uba74, \ud5a5\ud6c4 \ubc18\ubcf5 \ud559\uc2b5\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n<p>\ud22c\uc790 \uc77c\uc9c0\uc5d0\ub294 \uc774\ucc98\ub7fc \u2018\ub9e4\ud06c\ub85c(\uac70\uc2dc\uacbd\uc81c) \ubd84\uc11d + \ubbf8\uc2dc\uc801 \ubd84\uc11d\u2019 \uadf8\ub9ac\uace0 \u2018\uc815\ub7c9\uc801 \uc9c0\ud45c + \uc815\uc131\uc801 \ud310\ub2e8\u2019\uc744 \uade0\ud615 \uc788\uac8c \uae30\ub85d\ud558\ub294 \uac83\uc774 \ud575\uc2ec\uc785\ub2c8\ub2e4. \ud55c\ucabd \uc815\ubcf4\uc5d0\ub9cc \uce58\uc6b0\uce58\uba74, \uc608\ub97c \ub4e4\uc5b4 \uac70\uc2dc\uc801 \uc694\uc778\ub9cc \ub9f9\uc2e0\ud558\ub294 \uacbd\ud5a5\uc5d0 \ube60\uc9c0\uac70\ub098 \ubc18\ub300\ub85c \uae30\uc5c5 \ud558\ub098\uc758 \uc7ac\ubb34 \uc0c1\ud0dc\ub9cc \ubcf4\uace0 \uc804\uccb4 \uc2dc\uc7a5 \ubd84\uc704\uae30\ub97c \ub193\uce60 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ucd5c\uadfc \ud1b5\uacc4\ub97c \uc885\ud569\ud574\ubcf4\uba74, \ud55c\uad6d \uacbd\uc81c\uc640 \uc138\uacc4 \uacbd\uc81c\ub294 \uae08\ub9ac, \ubb3c\uac00, \uc9c0\uc815\ud559\uc801 \ub9ac\uc2a4\ud06c \uac19\uc740 \ud06c\uace0 \uc791\uc740 \ud30c\ub3c4\uc5d0 \uacc4\uc18d \uc601\ud5a5\uc744 \ubc1b\uace0 \uc788\uc73c\ubbc0\ub85c, \uadf8\ub7ec\ud55c \ud30c\ub3c4 \uc18d\uc5d0\uc11c \ub0b4\uac00 \uc5b4\ub290 \uc9c0\uc810\uc744 \ubc14\ub77c\ubcf4\uace0 \uc788\ub294\uc9c0 \uba85\ud655\ud788 \uc218\uce58\uc640 \uae00\ub85c \ub0a8\uaca8\ub450\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\ucd08\ubcf4\uc790\uc77c\uc218\ub85d \uc2dc\uc7a5\uc758 \ubcc0\ud654\ub97c \ubbfc\uac10\ud558\uba74\uc11c\ub3c4 \uac1d\uad00\uc801\uc73c\ub85c \ubc1b\uc544\ub4e4\uc774\uae30\uac00 \uc27d\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uac10\uc815\uc801\uc73c\ub85c \ud754\ub4e4\ub9ac\uac70\ub098, \ud655\uc99d \ud3b8\ud5a5\uc5d0 \ube60\uc838\uc11c \uc790\uc2e0\uc774 \uae30\ub300\ud558\ub294 \uc815\ubcf4\ub9cc \uace8\ub77c\ubcf4\ub294 \uc2e4\uc218\ub3c4 \uc7a6\uc2b5\ub2c8\ub2e4. \uc774\uc5d0 \ub300\ube44\ud558\uae30 \uc704\ud574\uc11c\ub294, \ub9e4\uc8fc \ud639\uc740 \ub9e4\uc6d4 \uc5c5\ub370\uc774\ud2b8\ub418\ub294 \uc8fc\uc694 \uacbd\uc81c \uc9c0\ud45c(\uc608: \uace0\uc6a9 \uc9c0\ud45c, GDP \uc131\uc7a5\ub960, \uc81c\uc870\uc5c5 \uc9c0\uc218 \ub4f1)\ub97c \ud655\uc778\ud558\uace0, \ud22c\uc790 \uc77c\uc9c0\uc5d0 \uae30\ub85d\ud574\ub450\ub294 \ub8e8\ud2f4\uc744 \ub9cc\ub4e4 \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4. \u201c\uc774\ubc88 \ub2ec \uc81c\uc870\uc5c5 \uc9c0\uc218\uac00 \uc804\uc6d4 \ub300\ube44 \uc0c1\uc2b9\ud588\ub294\ub370, \uadf8 \uc774\uc720\ub294 \ubb34\uc5c7\uc778\uc9c0\u201d\ub97c \ubd84\uc11d\ud574\ubcf4\ub294 \uc2b5\uad00\uc774 \uc313\uc774\uba74, \ub2e8\uc21c\ud788 \uc8fc\uac00 \uadf8\ub798\ud504\ub9cc \ubcf4\ub294 \uac83\ubcf4\ub2e4 \ud6e8\uc52c \uae4a\uc740 \ud1b5\ucc30\uc744 \uc5bb\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c \uc77c\ubd80 \uac1c\uc778 \ud22c\uc790\uc790\ub4e4\uc740 \uc720\ud29c\ube0c\ub098 \ube14\ub85c\uadf8 \ub4f1\uc5d0\uc11c \ub2e4\uc591\ud55c \uc804\ubb38\uac00\ub4e4\uc758 \uc758\uacac\uc744 \ucc38\uace0\ud569\ub2c8\ub2e4. \uc774\uac83\uc740 \uc88b\uc740 \ubc29\ubc95\uc774\uc9c0\ub9cc, \ud2b9\uc815 \uc804\ubb38\uac00 \ud55c \uba85\uc5d0\uac8c \uc9c0\ub098\uce58\uac8c \uc758\uc874\ud558\uac70\ub098, \uadfc\uac70\uac00 \ubd88\uba85\ud655\ud55c \u2018\uc8fc\uc2dd \ub9ac\ub529\ubc29\u2019 \uac19\uc740 \uacf3\uc5d0 \ud718\ub458\ub9ac\ub294 \uc704\ud5d8 \uc120\ub3c4 \ud07d\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc5ec\ub7ec \uc18c\uc2a4\ub97c \ube44\uad50 \uac80\ud1a0\ud55c \ud6c4, \u201c\uc774 \uc804\ubb38\uac00\uc758 \uc758\uacac\uc744 \ucc44\ud0dd\ud55c \uc774\uc720 \ub610\ub294 \uac70\ubd80\ud55c \uc774\uc720\u201d\ub97c \ud22c\uc790 \uc77c\uc9c0\uc5d0 \ubc18\ub4dc\uc2dc \uc801\uc5b4\ub450\uba74, \uc2a4\uc2a4\ub85c \uc0dd\uac01\ud558\uace0 \uacb0\ub860 \ub0b4\ub9ac\ub294 \ud798\uc744 \uae30\ub974\uac8c \ub429\ub2c8\ub2e4. \ucd08\ubcf4\uc790\uc77c\uc218\ub85d \ub354\uc6b1 \ub2e4\uc591\ud55c \uc815\ubcf4\ub97c \uc811\ud558\ub418, \ucd5c\uc885 \uc758\uc0ac \uacb0\uc815\uc740 \uc624\ub86f\uc774 \ubcf8\uc778\uc758 \ubaab\uc774\ub77c\ub294 \uc810\uc744 \uba85\uc2ec\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\ub2e8\uae30 \ud22c\uc790\uc640 \uc7a5\uae30 \ud22c\uc790\uc758 \ubc38\ub7f0\uc2a4 \ub610\ud55c \ucd5c\uadfc \uc2dc\uc7a5\uc5d0\uc11c \uc911\uc694\ud55c \ud654\ub450\uc785\ub2c8\ub2e4. \uacf5\ub9e4\ub3c4\ub97c \ud65c\uc6a9\ud558\uac70\ub098 \ub808\ubc84\ub9ac\uc9c0\ub97c \uc4f0\ub294 \uc774\ub4e4\ub3c4 \ub298\uc5b4\ub098\uace0 \uc788\ub294\ub370, \uc774\ub294 \uc218\uc775\uc744 \ud06c\uac8c \ub0bc \uc218\ub3c4 \uc788\uc9c0\ub9cc \uadf9\uc801\uc778 \uc190\uc2e4\uc744 \ubcfc \uac00\ub2a5\uc131\ub3c4 \ud568\uaed8 \ub192\uc785\ub2c8\ub2e4. \ud22c\uc790 \ucd08\ubcf4\uc790\uc77c\uc218\ub85d \uac00\uae09\uc801 \uc7a5\uae30 \ud22c\uc790 \uad00\uc810\uc5d0\uc11c \uc811\uadfc\ud558\uba70, \uc2dc\uc7a5 \ud750\ub984\uc744 \uc77c\uc9c0\uc5d0 \uae30\ub85d\ud558\uba74\uc11c \uc810\uc9c4\uc801\uc73c\ub85c \uc704\ud5d8\uc744 \uac10\uc218\ud574\ub098\uac00\ub294 \ubc29\uc2dd\uc774 \uc548\uc804\ud569\ub2c8\ub2e4. \uac11\uc791\uc2a4\ub7ec\uc6b4 \uc2dc\uc7a5 \ud3ed\ub77d\uc774\ub098 \ud2b9\uc815 \uc774\uc288(\uc608: \ucf54\ub85c\ub098 \ubcc0\uc774 \ubc14\uc774\ub7ec\uc2a4, \ub7ec\uc2dc\uc544-\uc6b0\ud06c\ub77c\uc774\ub098 \uc804\uc7c1, OPEC+\uc758 \uc6d0\uc720 \uac10\uc0b0 \ub4f1)\uc5d0 \uc758\ud574 \ud0c0\uaca9\uc744 \uc785\uc5c8\uc744 \ub54c \ubcf8\uc778\uc774 \uc5b4\ub5a4 \uc120\ud0dd\uc744 \ud588\uace0, \uadf8 \uacb0\uacfc\uac00 \uc5b4\ub560\ub294\uc9c0 \uafb8\uc900\ud788 \ub0a8\uaca8\ub450\uba74 \ub2e4\uc74c \uc720\uc0ac \uc0c1\ud669\uc5d0\uc11c \ud604\uba85\ud55c \ud310\ub2e8\uc744 \ub0b4\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uacb0\ub860\uc801\uc73c\ub85c, \ucd5c\uadfc \ud22c\uc790 \ub3d9\ud5a5\uc744 \ubd84\uc11d\ud574 \ud22c\uc790 \uc77c\uc9c0\uc5d0 \uc801\uc808\ud788 \ubc18\uc601\ud558\ub824\uba74 \ub2e4\uc74c \uacfc\uc815\uc744 \uac70\uce58\uba74 \uc88b\uc2b5\ub2c8\ub2e4:<\/p>\n<ul>\n<li>\uacf5\uc2dd \uae30\uad00 \ubc0f \uc2e0\ub8b0\ub3c4 \ub192\uc740 \uc5b8\ub860\uc5d0\uc11c \ubc1c\ud45c\ub418\ub294 \uac70\uc2dc\uacbd\uc81c \uc9c0\ud45c \ud30c\uc545<\/li>\n<li>\uae30\uc5c5\uc758 \uc7ac\ubb34 \uc0c1\ud0dc, \uc0ac\uc5c5 \ubaa8\ub378, \uc131\uc7a5\uc131 \ub4f1 \ud380\ub354\uba58\ud138 \uc790\ub8cc \ubd84\uc11d<\/li>\n<li>\uae30\uc220\uc801 \uc9c0\ud45c\uc640 \ucc28\ud2b8 \ubd84\uc11d, \uc131\uacf5\u00b7\uc2e4\ud328 \uc0ac\ub840 \ube44\uad50<\/li>\n<li>\uc2dc\uc7a5 \uc2ec\ub9ac\uc640 \ud22c\uc790 \uc2ec\ub9ac(\ub108\ubb34 \ub099\uad00 \ud639\uc740 \ube44\uad00\uc778\uc9c0)\ub97c \ub0c9\ucca0\ud558\uac8c \ud30c\uc545<\/li>\n<li>\ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9b0 \uadfc\uac70\uc640 \uac10\uc815\uc801 \uc694\uc18c\ub97c \ud22c\uc790 \uc77c\uc9c0\uc5d0 \ud568\uaed8 \uae30\ub85d<\/li>\n<\/ul>\n<p>\uc774\uc81c \ucd5c\uadfc \ub3d9\ud5a5\uacfc \uc368\uc57c \ud560 \uc815\ubcf4\ub97c \uc54c\uc558\ub2e4\uba74, \uad6c\uccb4\uc801\uc73c\ub85c \uc5b4\ub5bb\uac8c \ubaa9\ud45c\ub97c \uc124\uc815\ud558\uace0 \uc804\ub7b5\uc744 \uc138\uc6cc\uc57c \ud558\ub294\uc9c0 \uc0b4\ud3b4\ubcfc \ucc28\ub840\uc785\ub2c8\ub2e4. \uc544\ubb34\ub9ac \uc88b\uc740 \uc815\ubcf4\ub97c \uac00\uc838\ub2e4 \uc368\ub3c4, \uba85\ud655\ud55c \ubaa9\ud45c\uc640 \uc77c\uad00\ub41c \uc804\ub7b5\uc774 \uc5c6\ub2e4\uba74 \uc77c\uad00\uc131 \uc788\ub294 \ud22c\uc790 \uacb0\uacfc\ub97c \uae30\ub300\ud558\uae30 \uc5b4\ub835\uc2b5\ub2c8\ub2e4. \ub2e4\uc74c \uc139\uc158\uc5d0\uc11c\ub294 \uad6c\uccb4\uc801\uc778 \ud22c\uc790 \ubaa9\ud45c \uc124\uc815\ubc95\uacfc \uac1c\ubcc4 \uc804\ub7b5\uc744 \uc2ec\ub3c4 \uc788\uac8c \ub2e4\ub904\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<h2 id=\"3-%eb%aa%a9%ed%91%9c-%ec%84%a4%ec%a0%95-%eb%b0%8f-%ed%88%ac%ec%9e%90-%ec%a0%84%eb%9e%b5-%ea%b5%ac%ec%b2%b4%ed%99%94-ZamydQTtyt\">3. \ubaa9\ud45c \uc124\uc815 \ubc0f \ud22c\uc790 \uc804\ub7b5 \uad6c\uccb4\ud654<\/h2>\n<p>\ud22c\uc790 \uc77c\uc9c0 \uc791\uc131\uc758 \ubcf8\uaca9\uc801\uc778 \u2018\uc2e4\uc804\u2019\uc5d0 \ub4e4\uc5b4\uac00\uae30 \uc804, \ubb34\uc5c7\ubcf4\ub2e4 \uc120\ud589\ub418\uc5b4\uc57c \ud560 \ub2e8\uacc4\ub294 \ubc14\ub85c \ubaa9\ud45c \uc124\uc815\uc785\ub2c8\ub2e4. \ubaa9\ud45c\uac00 \uc788\uc5b4\uc57c \uadf8\uac83\uc744 \ub2ec\uc131\ud558\uae30 \uc704\ud55c \uc804\ub7b5\uacfc \uc804\uc220\uc744 \uad6c\uccb4\ud654\ud560 \uc218 \uc788\uace0, \ud22c\uc790 \uc77c\uc9c0\uc5d0 \uae30\ub85d\ud560 \ud56d\ubaa9 \uc5ed\uc2dc \ub354\uc6b1 \uba85\ud655\ud574\uc9c0\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \ubaa9\ud45c \uc5c6\uc774 \ub9c9\uc5f0\ud558\uac8c \u201c\ub3c8\uc744 \ubc8c\uc5b4\uc57c\uc9c0\u201d\ub77c\ub294 \uc0dd\uac01\ub9cc\uc73c\ub85c \ud22c\uc790\ud558\uba74, \ub2e8\uae30 \uc2dc\uc138 \ubcc0\ub3d9\uc5d0 \uc27d\uac8c \ud754\ub4e4\ub9ac\uac70\ub098, \uc190\uc2e4\uc744 \uc785\uc5c8\uc744 \ub54c \ub300\ucc98 \ubc29\uc548\uc744 \ucc3e\uc9c0 \ubabb\ud55c \ucc44 \uc911\ub3c4 \ud3ec\uae30\ud558\uac70\ub098 \ubb34\ub9ac\ud55c \ub300\uc751\uc744 \ud558\uac8c \ub429\ub2c8\ub2e4.<\/p>\n<p>\ubaa9\ud45c \uc124\uc815\uc744 \uc704\ud574\uc11c\ub294 \uba3c\uc800 \u2018\ud22c\uc790\ub85c \uc5bb\uace0\uc790 \ud558\ub294 \uacb0\uacfc\u2019\ub97c \ud06c\uac8c \uc138\ubd84\ud654\ud574\ubcfc \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ucee8\ub300 1\ub144 \uc548\uc5d0 \ud2b9\uc815 \uae08\uc561\uc744 \ub9c8\ub828\ud558\ub824\ub294 \ub2e8\uae30\uc801 \ubaa9\ud45c, 5\ub144 \uc774\uc0c1\uc758 \uae30\uac04\uc744 \ub450\uace0 \uc885\uc7a3\ub3c8\uc744 \ub9cc\ub4e4\uc5b4\uac00\ub824\ub294 \uc911\uc7a5\uae30 \ubaa9\ud45c, \uc740\ud1f4 \ud6c4 \uc548\uc815\uc801\uc778 \ud604\uae08 \ud750\ub984\uc744 \ud655\ubcf4\ud558\ub824\ub294 \uc7a5\uae30\uc801 \ubaa9\ud45c \ub4f1\uc774 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4. \ucd08\ubcf4 \ud22c\uc790\uc790\ub77c\uba74 \uc9c0\ub098\uce58\uac8c \ubcf5\uc7a1\ud55c \uc804\ub7b5\ubcf4\ub2e4, \uacc4\uc88c \ud558\ub098\uc5d0\ub294 \ub2e8\uae30 \ubaa9\ud45c\ub97c \ub2f4\uace0 \ub2e4\ub978 \uacc4\uc88c\uc5d0\ub294 \uc911\uc7a5\uae30 \ubaa9\ud45c\ub97c \ub2f4\ub294 \uc2dd\uc73c\ub85c \ubd84\ub9ac\ud574 \ub450\ub294 \uac83\ub3c4 \uc88b\uc740 \ubc29\ubc95\uc785\ub2c8\ub2e4. \uc774\ub807\uac8c \uad6c\uccb4\uc801\uc73c\ub85c \ubaa9\ud45c\ub97c \uc124\uc815\ud574\uc57c \ud22c\uc790 \uc77c\uc9c0\uc5d0\uc11c\ub3c4 \u201c\uc5b4\ub290 \uacc4\uc88c, \uc5b4\ub290 \uc804\ub7b5\uc5d0\uc11c \uc5b4\ub5a4 \uc131\uacfc\ub97c \ub0c8\uace0, \uc5b4\ub5a4 \uc2e4\ud328\ub97c \ud588\ub294\uac00\u201d\ub97c \uba85\ud655\ud788 \uad6c\ubd84\ud558\uc5ec \uae30\ub85d\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubaa9\ud45c\ub97c \uc124\uc815\ud560 \ub54c\ub294 SMART \uae30\ubc95(Specific, Measurable, Achievable, Relevant, Time-bound)\uc744 \ucc38\uace0\ud574\ubcf4\ub294 \uac83\ub3c4 \uc88b\uc2b5\ub2c8\ub2e4. \uc989, \uad6c\uccb4\uc801\uc774\uace0(Specific), \uce21\uc815 \uac00\ub2a5\ud558\uba70(Measurable), \ub3c4\ub2ec \uac00\ub2a5\ud55c(Achievable)\uc9c0 \ud655\uc778\ud558\uace0, \ubcf8\uc778\uc758 \uc0c1\ud669\uc5d0 \uc801\ud569\ud55c(Relevant) \ubaa9\ud45c\ub97c, \uc77c\uc815 \uae30\uac04(Time-bound) \uc548\uc5d0 \ub2ec\uc131\ud558\ub3c4\ub85d \uacc4\ud68d\ud558\ub294 \ubc29\uc2dd\uc785\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \u201c\ud5a5\ud6c4 2\ub144 \uc548\uc5d0 1,000\ub9cc \uc6d0\uc744 \ucd94\uac00\ub85c \ubaa8\uc544 \ucc3d\uc5c5 \uc790\ubcf8\uae08\uc73c\ub85c \ud65c\uc6a9\ud558\uaca0\ub2e4\u201d\ub77c\ub294 \uc2dd\uc73c\ub85c \ubaa9\ud45c\ub97c \uc138\uc6b0\uba74, \uadf8\uc5d0 \ub9de\ub294 \uc6d4 \ud22c\uc790 \uae08\uc561, \uc608\uc0c1 \uc218\uc775\ub960, \ub9ac\ubc38\ub7f0\uc2f1 \uc8fc\uae30 \ub4f1\uc744 \uba85\ud655\ud788 \uacc4\uc0b0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub9ac\uace0 \uc774 \ubaa8\ub4e0 \uacc4\uc0b0 \uacfc\uc815\uc744 \ud22c\uc790 \uc77c\uc9c0\uc5d0 \uae30\ub85d\ud574\ub450\uba74, \uc2dc\uac04\uc774 \uc9c0\ub0a0\uc218\ub85d \uc2e4\uc81c \uacb0\uacfc\uc640 \ube44\uad50\u00b7\ubd84\uc11d\ud558\uae30\uac00 \ud6e8\uc52c \uc26c\uc6cc\uc9d1\ub2c8\ub2e4.<\/p>\n<p>\ubaa9\ud45c\uac00 \uc5b4\ub290 \uc815\ub3c4 \uc724\uacfd\uc744 \uac16\ucd94\uc5c8\ub2e4\uba74, \ub2e4\uc74c\uc73c\ub85c \uc911\uc694\ud55c \uac83\uc740 \u2018\ud22c\uc790 \uc804\ub7b5\u2019\uc785\ub2c8\ub2e4. \ud22c\uc790 \uc804\ub7b5\uc740 \ud06c\uac8c \uc790\uc0b0 \ubc30\ubd84 \uc804\ub7b5\uacfc \uc885\ubaa9 \uc120\uc815 \uc804\ub7b5\uc73c\ub85c \ub098\ub260 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uba3c\uc800 \uc790\uc0b0 \ubc30\ubd84 \uc804\ub7b5\uc740 \uc8fc\uc2dd, \ucc44\uad8c, \ubd80\ub3d9\uc0b0, \ud604\uae08\uc131 \uc790\uc0b0, \uc554\ud638\ud654\ud3d0 \ub4f1 \ub2e4\uc591\ud55c \uc790\uc0b0\uad70\uc5d0 \ub300\ud55c \ube44\uc911\uc744 \uc5b4\ub5bb\uac8c \ub098\ub20c \uac83\uc778\uc9c0 \uacb0\uc815\ud558\ub294 \ub2e8\uacc4\uc785\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \ucd08\ubcf4\uc790\ub77c\uba74, \u201c\uc8fc\uc2dd 60%, \ucc44\uad8c 30%, \ud604\uae08\uc131 \uc790\uc0b0 10%\u201d \uac19\uc740 \uc2dd\uc73c\ub85c \uade0\ud615 \uc7a1\ud78c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\uc0c1\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ucd5c\uadfc \uae08\ub9ac \uc0c1\uc2b9 \uae30\uc870\uc640 \uc2dc\uc7a5 \ubcc0\ub3d9\uc131\uc744 \uace0\ub824\ud558\uba74, \ucc44\uad8c \ube44\uc911\uc744 \uc801\uc808\ud788 \ub298\ub824 \uc548\uc815\uc131\uc744 \ud655\ubcf4\ud558\uba74\uc11c\ub3c4 \uc8fc\uc2dd \uc2dc\uc7a5\uc5d0\uc11c\uc758 \uc131\uc7a5 \uae30\ud68c\ub97c \ub193\uce58\uc9c0 \uc54a\ub294 \ubc29\uc548\ub3c4 \uac80\ud1a0\ud560 \ub9cc\ud569\ub2c8\ub2e4. \ud22c\uc790 \uc77c\uc9c0\uc5d0 \u201c\uc774\ubc88 \ub2ec \uc790\uc0b0 \ubc30\ubd84 \uae30\uc900\uacfc \uc2e4\ud589 \uc774\uc720\u201d \ub4f1\uc744 \uc368\ub450\uba74, \ucd94\ud6c4 \uc131\uacfc\ub97c \ubd84\uc11d\ud560 \ub54c \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<p>\uc885\ubaa9 \uc120\uc815 \uc804\ub7b5\ub3c4 \ub9c8\ucc2c\uac00\uc9c0\uc785\ub2c8\ub2e4. \uac00\uce58 \ud22c\uc790, \ubaa8\uba58\ud140 \ud22c\uc790, \ubc30\ub2f9 \uc218\uc775 \ucd94\uad6c, \uc131\uc7a5\uc8fc \ud22c\uc790 \ub4f1 \uc5b4\ub5a4 \uc804\ub7b5\uc744 \ucc44\ud0dd\ud560\uc9c0\ub294 \ud22c\uc790\uc790\uc758 \uc131\ud5a5 \ubc0f \uc2dc\uc7a5 \uc0c1\ud669\uc5d0 \ub2ec\ub824 \uc788\uc2b5\ub2c8\ub2e4. \ub9cc\uc57d \uac00\uce58 \ud22c\uc790\ub97c \uc9c0\ud5a5\ud55c\ub2e4\uba74 \uae30\uc5c5\uc758 PER, PBR, ROE \ub4f1 \uae30\ubcf8\uc801 \uc9c0\ud45c\ub97c \uaf3c\uaf3c\ud788 \ubd84\uc11d\ud574 \uc2fc \uac00\uaca9\uc5d0 \uc6b0\ub7c9 \uc790\uc0b0\uc744 \uc0ac\ub294 \ubc29\ubc95\uc744 \ud0dd\ud560 \uac83\uc774\uace0, \ubaa8\uba58\ud140 \ud22c\uc790\ub97c \ud55c\ub2e4\uba74 \ucd94\uc138\uac00 \ud0c4\ub825\uc744 \ubc1b\uc744 \ub54c \ub9e4\uc218 \ubc0f \ub9e4\ub3c4\ub97c \ube60\ub974\uac8c \uacb0\uc815\ud558\ub294 \uad6c\uc870\uac00 \ub420 \uac83\uc785\ub2c8\ub2e4. \uc5b4\ub5a4 \uc804\ub7b5\uc774\ub4e0 \uc77c\uc9c0\uc5d0 \u2018\uc65c \uc774 \uc804\ub7b5\uc744 \ud0dd\ud588\ub294\uc9c0, \uc774 \uc804\ub7b5\uc740 \uc5b4\ub5a4 \uc2dc\uc7a5 \ud658\uacbd\uc5d0\uc11c \uc720\ub9ac\ud55c\uc9c0, \ud604\uc7ac \uc2dc\uc7a5 \ud2b8\ub80c\ub4dc\uc640 \uc5b4\ub5a4 \uc5f0\uad00\uc131\uc774 \uc788\ub294\uc9c0\u2019\ub97c \uae30\ub85d\ud574 \ub450\uba74, \ubd88\ud655\uc2e4\uc131 \ub192\uc740 \uc21c\uac04\uc5d0\ub3c4 \uc790\uc2e0\ub9cc\uc758 \uae30\uc900\uc744 \uc783\uc9c0 \uc54a\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc2e4\uc81c\ub85c, 2023\ub144 \uad6d\ub0b4\uc678 \uc99d\uc2dc\ub97c \ubcf4\uba74 \uae30\uc5c5 \uc2e4\uc801 \ub300\ube44 \uc8fc\uac00 \ubcc0\ub3d9\uc131\uc774 \ud06c\uac8c \uc77c\uc5b4\ub09c \uc0ac\ub840\uac00 \ub9ce\uc558\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, A \uae30\uc5c5\uc740 \ubd84\uae30 \uc2e4\uc801 \uc804\ub9dd\uce58\uac00 \ubd80\uc871\ud568\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc2dc\uc7a5\uc758 \ubc08(meme) \uc5f4\ud48d \ud639\uc740 \ud2b9\uc815 SNS \ud2b8\ub80c\ub4dc\uc5d0 \ud798\uc785\uc5b4 \uc77c\uc2dc\uc801\uc73c\ub85c \uc8fc\uac00\uac00 \uae09\ub4f1\ud558\uae30\ub3c4 \ud569\ub2c8\ub2e4. \uc774\ub7f0 \uc0ac\ub840\ub97c \uc77c\uc9c0\uc5d0 \uad6c\uccb4\uc801\uc73c\ub85c \uae30\ub85d\ud558\uba74\uc11c, \u201c\ub2e8\uc21c\ud788 \uc2dc\uc7a5 \ubd84\uc704\uae30\uc5d0 \ud3b8\uc2b9\ud574\uc57c \ud560 \uac83\uc778\uac00, \uc544\ub2c8\uba74 \uae30\uc5c5 \ud380\ub354\uba58\ud138\uc744 \uace0\ub824\ud574 \ub0c9\uc815\ud55c \ud310\ub2e8\uc744 \ud574\uc57c \ud560 \uac83\uc778\uac00\u201d\ub97c \uc790\ubb38\ud574\ubcf4\uba74, \uc790\uc2e0\uc774 \ucde8\ud574\uc57c \ud560 \ud22c\uc790 \uc804\ub7b5\uc758 \ub69c\ub837\ud55c \ubc29\ud5a5\uc131\uc774 \uc7a1\ud790 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\ubaa9\ud45c\uc640 \uc804\ub7b5\uc744 \uc124\uc815\ud588\ub2e4\uace0 \ud574\uc11c \ubaa8\ub4e0 \uac83\uc774 \uc21c\ud0c4\ud558\uac8c \uc9c4\ud589\ub418\uc9c0\ub294 \uc54a\uc2b5\ub2c8\ub2e4. \uc2dc\uc7a5\uc758 \ub3cc\ubc1c \ubcc0\uc218\ub098 \uc608\uc0c1\uce58 \ubabb\ud55c \ube44\uc6a9 \uc99d\uac00(\uc608: \uc758\ub8cc\ube44, \uac11\uc791\uc2a4\ub7ec\uc6b4 \uc0dd\ud65c\ube44 \uc9c0\ucd9c) \ub4f1\uc73c\ub85c \uc778\ud574 \uacc4\ud68d\uc774 \ud2c0\uc5b4\uc9c0\uae30\ub3c4 \ud569\ub2c8\ub2e4. \ub530\ub77c\uc11c \ud22c\uc790 \uc77c\uc9c0\uc5d0\ub294 \uc2dc\uac04 \uacbd\uacfc\uc5d0 \ub530\ub978 \uc131\uacfc\ub97c \uc815\uae30\uc801\uc73c\ub85c \uc810\uac80\ud558\uace0, \ud544\uc694\ud558\ub2e4\uba74 \ubaa9\ud45c\ub098 \uc804\ub7b5\uc744 \uc720\uc5f0\ud558\uac8c \uc870\uc815\ud560 \uc218 \uc788\ub294 \u2018\uccb4\ud06c\ud3ec\uc778\ud2b8\u2019\ub97c \ub9c8\ub828\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \ubd84\uae30\ubcc4\ub85c \uc77c\uc9c0\uc5d0 \u201c\ubaa9\ud45c \ub300\ube44 \uc218\uc775\ub960, \uc2dc\uc7a5 \uc0c1\ud669\uc758 \ubcc0\ud654, \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc870\uc815 \ud544\uc694\uc131\u201d \ub4f1\uc744 \ud3c9\uac00\ud558\ub294 \ud56d\ubaa9\uc744 \ub9cc\ub4e4\uc5b4 \ub461\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c \ub9ac\uc2a4\ud06c \uad00\ub9ac\ub3c4 \uc804\ub7b5 \uc124\uc815\uc758 \uc77c\ubd80\ubd84\uc785\ub2c8\ub2e4. \ucd08\ubcf4\uc790\uc77c\uc218\ub85d \ud070 \uc218\uc775\ub960\uc744 \uae30\ub300\ud558\uae30\ubcf4\ub2e4\ub294, \uc190\uc2e4\uc744 \ucd5c\uc18c\ud654\ud558\ub294 \uc811\uadfc\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc190\uc808 \ub9e4\ucee4\ub2c8\uc998\uc744 \uc5b4\ub5bb\uac8c \uc7a1\uc744 \uac83\uc778\uc9c0(\uc608: \ud2b9\uc815 \uc885\ubaa9\uc774 10% \uc774\uc0c1 \ud558\ub77d\ud558\uba74 \ubd84\ud560 \ub9e4\ub3c4), \ub808\ubc84\ub9ac\uc9c0 \uc0c1\ud488\uc744 \uc0ac\uc6a9\ud560 \uac83\uc778\uc9c0, \uc120\ubb3c\u00b7\uc635\uc158 \uac19\uc740 \ud30c\uc0dd\uc0c1\ud488\uc744 \uc5b4\ub290 \uc815\ub3c4\uae4c\uc9c0 \ud5c8\uc6a9\ud560 \uac83\uc778\uc9c0\ub97c \ubbf8\ub9ac \uaddc\uc815\ud574 \ub450\ub294 \uac83\uc774 \ud604\uba85\ud569\ub2c8\ub2e4. \uc774 \ub9ac\uc2a4\ud06c \uad00\ub9ac \uaddc\uc815 \uc5ed\uc2dc \ud22c\uc790 \uc77c\uc9c0\uc5d0 \uc801\uc5b4\ub450\uace0, \uc2e4\uc81c \uc0c1\ud669\uc5d0\uc11c \uc9c0\ucf30\ub294\uc9c0 \uc810\uac80\ud558\uba74 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ud55c \uac00\uc9c0 \uc8fc\uc758\ud574\uc57c \ud560 \uc810\uc740, \ub108\ubb34 \ub9ce\uc740 \uc804\ub7b5\uc744 \ub3d9\uc2dc\uc5d0 \uc2dc\ub3c4\ud558\ub2e4\uac00 \uc815\uc791 \uc5b4\ub290 \uac83\ub3c4 \uc81c\ub300\ub85c \ud574\ub0b4\uc9c0 \ubabb\ud558\ub294 \uc0c1\ud669\uc774 \uc62c \uc218 \uc788\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4. \ucd08\ubcf4\uc790\ub77c\uba74 \ud558\ub098\uc758 \uc804\ub7b5 \ud639\uc740 \ub450\uc138 \uac1c\uc758 \uc804\ub7b5 \uc815\ub3c4\ub97c \uc2dc\ubc94\uc801\uc73c\ub85c \uc6b4\uc601\ud558\uba74\uc11c \uc131\uacfc\ub97c \uae30\ub85d\ud574\ubcf4\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uc608\ucee8\ub300 \u201c\ubc30\ub2f9\uc8fc \ud3ec\ud2b8\ud3f4\ub9ac\uc624\u201d\uc640 \u201c\uc131\uc7a5\uc8fc \ud3ec\ud2b8\ud3f4\ub9ac\uc624\u201d\ub97c \uac01\uac01 \ubcc4\ub3c4\ub85c \uc6b4\uc601\ud558\uba70, \uc77c\uc9c0\uc5d0\ub3c4 \ub450 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \uc218\uc775\ub960, \ub9e4\uc218\u00b7\ub9e4\ub3c4 \uadfc\uac70, \uac1c\uc120\uc810 \ub4f1\uc744 \ubd84\ub9ac \uae30\ub85d\ud558\ub294 \ubc29\ubc95\uc785\ub2c8\ub2e4.<\/p>\n<p>\ubaa9\ud45c\uc640 \uc804\ub7b5\uc740 \uacb0\uad6d \u2018\ud22c\uc790 \uc77c\uc9c0\uc758 \ud575\uc2ec \ubf08\ub300\u2019\ub77c \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc77c\uc9c0\ub97c \ubcfc \ub54c\ub9c8\ub2e4 \u201c\ub0b4\uac00 \uc9c0\uae08 \uc5b4\ub514\ub85c \uac00\uace0 \uc788\ub294\uac00?\u201d\ub97c \ub418\uc9da\uc5b4\ubcfc \uc218 \uc788\uc5b4\uc57c \ud558\uace0, \u201c\uc9c0\uae08\uc758 \uc2dc\uc7a5 \uc0c1\ud669\uc5d0\uc11c \ub0b4 \uc804\ub7b5\uc740 \uc5ec\uc804\ud788 \uc720\ud6a8\ud55c\uac00?\u201d\ub97c \ud310\ub2e8\ud560 \uae30\uc900\uc774 \ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4. \ud22c\uc790\uc5d0 \uc2e4\ud328\ud558\ub294 \uc8fc\ub41c \uc774\uc720 \uc911 \ud558\ub098\uac00 \u201c\ub0b4\uac00 \uc65c \uc774 \uc885\ubaa9\uc744 \uc0c0\ub294\uc9c0, \uc65c \ud314\uc558\ub294\uc9c0\u201d\ub97c \ub9dd\uac01\ud558\uac70\ub098, \ucc98\uc74c \uc138\uc6e0\ub358 \uc6d0\uce59\uc744 \uc2dc\uc7a5 \ubd84\uc704\uae30\uc5d0 \ud729\uc4f8\ub824 \uc5b4\uae30\ub294 \ub370 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ud22c\uc790 \uc77c\uc9c0\uc5d0 \uba85\ud655\ud788 \uc801\uc5b4\ub454 \ubaa9\ud45c\uc640 \uc804\ub7b5\uc740 \uc774\ub7f0 \uacfc\uc624\ub97c \uc904\uc774\ub294 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4.<\/p>\n<p>\uc815\ub9ac\ud558\uc790\uba74, \ubaa9\ud45c \uc124\uc815\uacfc \ud22c\uc790 \uc804\ub7b5 \uad6c\uccb4\ud654 \uacfc\uc815\uc5d0\uc11c \ub2e4\uc74c \uc0ac\ud56d\uc744 \ud22c\uc790 \uc77c\uc9c0\uc5d0 \uc801\ub294 \uac83\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4:<\/p>\n<ul>\n<li>\ub2e8\uae30\u00b7\uc911\uc7a5\uae30\u00b7\uc7a5\uae30 \ubaa9\ud45c, \uc608\uc0c1 \ub2ec\uc131 \uc2dc\uc810 \ubc0f \ud544\uc694\ud55c \uc218\uc775\ub960<\/li>\n<li>\uc790\uc0b0 \ubc30\ubd84 \uacc4\ud68d, \uac01 \uc790\uc0b0\uad70\uc758 \ube44\uc911 \ubc0f \ubcc0\ub3d9\uc131 \uad00\ub9ac \uc6d0\uce59<\/li>\n<li>\uc885\ubaa9 \uc120\uc815 \uae30\uc900(\uac00\uce58, \ubaa8\uba58\ud140, \ubc30\ub2f9, \uc131\uc7a5 \ub4f1) \ubc0f \uc120\uc815 \uc774\uc720<\/li>\n<li>\uc2dc\ub098\ub9ac\uc624\ubcc4 \ub300\uc751 \ubc29\uc548(\uc2dc\uc7a5 \ud3ed\ub77d \uc2dc \ub9ac\ubc38\ub7f0\uc2f1, \ub3cc\ubc1c \uc774\uc288 \ub300\uc751 \ub4f1)<\/li>\n<li>\uc815\uae30 \uc810\uac80 \uc8fc\uae30(\uc8fc\uac04, \uc6d4\uac04, \ubd84\uae30\ubcc4) \ubc0f \ubaa9\ud45c\uc640 \uc804\ub7b5 \uc870\uc815 \uc5ec\ubd80 \uac80\ud1a0<\/li>\n<\/ul>\n<p>\ub2e4\uc74c \uc139\uc158\uc5d0\uc11c\ub294 \uc774\uc81c \uad6c\uccb4\uc801\uc73c\ub85c \ud22c\uc790\ub97c \uc2e4\ud589\ud558\uace0, \uadf8 \uacb0\uacfc\ub97c \ubaa8\ub2c8\ud130\ub9c1\ud558\uba70, \uc77c\uc9c0\uc5d0 \uae30\ub85d\ud558\ub294 \uc804 \uacfc\uc815\uc774 \uc5b4\ub5bb\uac8c \uc774\uc5b4\uc9c0\ub294\uc9c0 \uc0b4\ud3b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \ud22c\uc790\ub77c\ub294 \uac83\uc740 \uacc4\ud68d\ub300\ub85c\ub9cc \ub418\uc9c0 \uc54a\uae30 \ub54c\ubb38\uc5d0, \uc2e4\ud589 \ub2e8\uacc4\uc5d0\uc11c\uc758 \uc810\uac80\uacfc \uc218\uc815\uc774 \ubb34\uc5c7\ubcf4\ub2e4\ub3c4 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n<h2 id=\"4-%ec%8b%a4%ed%96%89-%eb%b0%8f-%ec%a0%90%ea%b2%80-%ed%88%ac%ec%9e%90-%ec%9d%bc%ec%a7%80%ec%9d%98-%ec%a7%80%ec%86%8d%ec%a0%81%ec%9d%b8-%ea%b4%80%eb%a6%ac-ZamydQTtyt\">4. \uc2e4\ud589 \ubc0f \uc810\uac80: \ud22c\uc790 \uc77c\uc9c0\uc758 \uc9c0\uc18d\uc801\uc778 \uad00\ub9ac<\/h2>\n<p>\uc55e\uc11c \ubaa9\ud45c \uc124\uc815\uacfc \uc804\ub7b5 \uad6c\uccb4\ud654\uc5d0 \ub300\ud574 \uc0b4\ud3b4\ubd24\ub2e4\uba74, \uc774\uc81c \uc2e4\uc81c \ud22c\uc790\uc5d0 \ub098\uc11c\uace0 \uc774\ub97c \uc9c0\uc18d\uc801\uc73c\ub85c \uc810\uac80\ud558\ub294 \ub2e8\uacc4\uc5d0 \ub3c4\ub2ec\ud588\uc2b5\ub2c8\ub2e4. \ucd08\ubcf4\uc790\uc5d0\uac8c \uac00\uc7a5 \uc5b4\ub824\uc6b4 \ubd80\ubd84\uc740 \ubc14\ub85c \u2018\uc2e4\ucc9c\u2019\uc785\ub2c8\ub2e4. \uc774\ub860\uc774\ub098 \uc804\ub7b5\uc740 \uba38\ub9ac\ub85c \uc774\ud574\ud588\uc9c0\ub9cc, \ub9c9\uc0c1 \ub9e4\uc218\u00b7\ub9e4\ub3c4 \ubc84\ud2bc\uc744 \ub204\ub974\ub294 \uac83\uc740 \uc804\ud600 \ub2e4\ub978 \ucc28\uc6d0\uc758 \uc2ec\ub9ac\uc801 \ubd80\ub2f4\uc744 \uc218\ubc18\ud569\ub2c8\ub2e4. \ud22c\uc790 \uc77c\uc9c0\ub294 \uc774\ub7ec\ud55c \uc2e4\ud589 \uacfc\uc815\uc744 \ud55c\uce35 \ub354 \uac1d\uad00\uc801\uc73c\ub85c \ubd10\uc904 \uc218 \uc788\ub294 \uc77c\uc885\uc758 &#8216;\uac70\uc6b8&#8217; \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4.<\/p>\n<p>\uccab \ubc88\uc9f8\ub85c, \uc2e4\ud589 \uacfc\uc815\uc5d0\uc11c \uc720\uc758\ud574\uc57c \ud560 \uc810\uc740 \uc2dc\uc7a5 \uc9c4\uc785 \ud0c0\uc774\ubc0d\uc785\ub2c8\ub2e4. \uc544\ubb34\ub9ac \uc88b\uc740 \uae30\uc5c5\uacfc \uc885\ubaa9\uc744 \uc120\uc815\ud588\ub354\ub77c\ub3c4, \ud639\uc740 \ud6cc\ub96d\ud55c \uc790\uc0b0 \ubc30\ubd84 \uc804\ub7b5\uc744 \uc138\uc6e0\ub354\ub77c\ub3c4, \ud0c0\uc774\ubc0d\uc744 \uc798\ubabb \uc7a1\uc73c\uba74 \ub2e8\uae30\uac04\uc758 \uc190\uc2e4\uc744 \ubcfc \uc218 \uc788\uace0, \uc2ec\ub9ac\uc801 \uc2a4\ud2b8\ub808\uc2a4\uac00 \ucee4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubb3c\ub860 \ud0c0\uc774\ubc0d\uc744 \uc644\ubcbd\ud558\uac8c \ub9de\ucd94\ub294 \uac83\uc740 \ubd88\uac00\ub2a5\uc5d0 \uac00\uae5d\uc9c0\ub9cc, \uc801\uc5b4\ub3c4 \u201c\uc774 \uc2dc\uc810\uc5d0 \uc9c4\uc785\ud55c \uc774\uc720\u201d\ub97c \ud22c\uc790 \uc77c\uc9c0\uc5d0 \uc801\uc5b4\ub193\uc73c\uba74 \ud5a5\ud6c4 \ubc18\uc131\ud558\uac70\ub098 \uac1c\uc120\ud560 \uae30\ud68c\ub97c \uc5bb\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ucee8\ub300 \u201c\uc7a5 \ucd08\ubc18 \uac70\ub798\ub7c9\uc774 \uae09\uc99d\ud574 \ucd94\uc138 \ud615\uc131\uc73c\ub85c \ud310\ub2e8, \ubd84\ud560 \ub9e4\uc218 \uc2dc\uc791\u201d\uacfc \uac19\uc740 \uad6c\uccb4\uc801\uc778 \uadfc\uac70\ub97c \uc368\ub450\ub294 \uac81\ub2c8\ub2e4.<\/p>\n<p>\uc2e4\ud589 \ub2e8\uacc4\uc5d0\uc11c \uac00\uc7a5 \uc911\uc694\ud55c \uac83\uc740 \u201c\ubd84\ud560 \ub9e4\uc218\u00b7\ubd84\ud560 \ub9e4\ub3c4\u201d \uc804\ub7b5\uc744 \uc5b4\ub5bb\uac8c \uc801\uc6a9\ud558\ub290\ub0d0\uc785\ub2c8\ub2e4. \ucd08\ubcf4\uc790\ub4e4\uc740 \uc801\uc740 \uc790\ubcf8\uc73c\ub85c\ub3c4 \uc190\uc27d\uac8c \u2018\ubab0\ube75 \ud22c\uc790\u2019\ub97c \ud558\uae30 \uc26c\uc6b4\ub370, \uc774\ub294 \ubcc0\ub3d9\uc131\uc774 \ud070 \uc2dc\uc7a5\uc5d0\uc11c \ub9e4\uc6b0 \uc704\ud5d8\ud569\ub2c8\ub2e4. \uc608\ucee8\ub300 \ucd1d 1\ubc31\ub9cc \uc6d0\uc744 \ud22c\uc790\ud55c\ub2e4\uace0 \ud560 \ub54c, \ud55c \ubc88\uc5d0 \uc804\uc561\uc744 \ub9e4\uc218\ud558\uae30\ubcf4\ub2e4\ub294 \uba87 \ucc28\ub840\uc5d0 \uac78\uccd0 \ub098\ub204\uc5b4 \uc9c4\uc785\ud558\uba74 \uc2dc\uc7a5 \uc0c1\ud669\uc744 \ucd94\uac00\ub85c \uad00\ucc30\ud558\uba70 \ub9e4\uc218 \ub2e8\uac00\ub97c \uc720\uc5f0\ud558\uac8c \uc870\uc815\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ud6c4 \uc8fc\uac00\uac00 \uc62c\ub790\ub4e0 \ub0b4\ub838\ub4e0, \ud22c\uc790 \uc77c\uc9c0\uc5d0 \u201c\ubd84\ud560 \ub9e4\uc218 \ud0c0\uc774\ubc0d, \uadfc\uac70, \uc2ec\ub9ac \uc0c1\ud0dc, \uc2dc\uc7a5 \ubcc0\ud654\u201d \ub4f1\uc744 \uaf3c\uaf3c\ud788 \uae30\ub85d\ud574\ub450\uba74, \ub098\uc911\uc5d0 \u2018\ud55c \ubc88\uc5d0 \ub9e4\uc218\ud588\uc73c\uba74 \uc5b4\ub560\uc744\uae4c?\u2019\ub77c\ub294 \uac00\uc815 \uc2dc\ub098\ub9ac\uc624\uc640 \ube44\uad50\ud558\uc5ec \ub354 \ud559\uc2b5\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub450 \ubc88\uc9f8\ub85c, \ud22c\uc790 \uacb0\uacfc \ubaa8\ub2c8\ud130\ub9c1\uc744 \uc704\ud55c \u2018\uc9c0\uc18d\uc801\uc778 \uc810\uac80\u2019\uc774 \ud544\uc218\uc785\ub2c8\ub2e4. \uc11c\ub450\uc5d0 \uc5b8\uae09\ud588\ub4ef\uc774, \ud55c\ub450 \ubc88 \uae30\ub85d\ud558\uace0 \uc911\ub2e8\ud558\uba74 \ud22c\uc790 \uc77c\uc9c0\uc758 \uc7a5\uc810\uc744 \uc81c\ub300\ub85c \uccb4\uac10\ud558\uae30 \uc5b4\ub835\uc2b5\ub2c8\ub2e4. \ucd5c\uc18c \uc8fc 1\ud68c, \ud639\uc740 \uc2dc\uc7a5 \ubcc0\ub3d9 \ud3ed\uc774 \ucef8\ub358 \ub0a0\uc5d0\ub294 \uadf8\ub0a0\uc758 \ub9e4\ub9e4 \ub0b4\uc6a9\uc744 \uc77c\uc9c0\uc5d0 \uc62e\uae30\uba74\uc11c, \uc218\uc775\ub960\ubfd0 \uc544\ub2c8\ub77c \u201c\uc65c \uc774 \uacb0\uc815\uc744 \ub0b4\ub838\ub294\uc9c0\u201d\ub97c \ubc18\uc131\ud574\uc57c \ud569\ub2c8\ub2e4. \uc608\ucee8\ub300 \u201c\uae08\uc77c \ud558\ub77d\uc7a5\uc784\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \ub9e4\uc218 \ud310\ub2e8\uc744 \uc720\uc9c0\ud55c \uc774\uc720: \ud5a5\ud6c4 \uae08\ub9ac \uc815\ucc45 \uc644\ud654 \uc804\ub9dd\u201d\uc774\ub77c\ub294 \uc2dd\uc73c\ub85c \uc791\uc131\ud574 \ub450\uba74, \uae08\ub9ac \uc815\ucc45\uc5d0 \ubcc0\ud654\uac00 \uc0dd\uacbc\uc744 \ub54c \ucd94\uac00\ub85c \ud655\uc778\ud574\uc57c \ud560 \uc790\ub8cc\ub97c \uba85\ud655\ud788 \uc54c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc2e4\ud589 \ubc0f \uc810\uac80 \uacfc\uc815\uc5d0\uc11c\uc758 \ub610 \ub2e4\ub978 \ud575\uc2ec \ud3ec\uc778\ud2b8\ub294 \u2018\uc2ec\ub9ac \uad00\ub9ac\u2019\uc785\ub2c8\ub2e4. \ub9e4\uc77c\ub9e4\uc77c \ub274\uc2a4\uc640 \uc8fc\uac00 \ubcc0\ub3d9\uc744 \ud655\uc778\ud558\ub2e4 \ubcf4\uba74, \ucd08\ubcf4\uc790\ub4e4\uc740 \uc791\uc740 \uc190\uc775\uc5d0\ub3c4 \uacfc\ub3c4\ud55c \uac10\uc815\uc801 \ubc18\uc751\uc744 \ubcf4\uc774\uae30 \uc27d\uc2b5\ub2c8\ub2e4. \u2018\uc9c0\ub098\uce5c \ub099\uad00\u2019\uc774\ub098 \u2018\ud328\ub2c9 \uc140(panic sell)\u2019\uc740 \uc7a5\uae30\uc801\uc73c\ub85c \ubcf4\uba74 \uc190\uc2e4\uc744 \uc720\ubc1c\ud558\ub294 \ube48\ub3c4\uac00 \ub192\uc2b5\ub2c8\ub2e4. \uc77c\uc9c0\uc5d0\ub294 \u201c\uc624\ub298 \uc2dc\uc7a5 \ud3ed\ub77d \uc18c\uc2dd\uc744 \ub4e3\uace0 \ubd88\uc548\uac10\uc744 \ud06c\uac8c \ub290\uaf08\ub2e4.\u201d, \u201c\ucd94\uac00 \ub9e4\uc218\ub97c \uace0\ubbfc\ud588\uc73c\ub098 \uacf5\ud3ec\uc2ec\uc774 \uc6b0\uc138\ud558\uc5ec \uad00\ub9dd\ud588\ub2e4.\u201d \ub4f1 \uc194\uc9c1\ud558\uac8c \uac10\uc815\uc744 \uae30\ub85d\ud574\ub450\uba74, \uc5b4\ub290 \uc2dc\uc810\uc5d0\uc11c \ubcf8\uc778\uc774 \uac10\uc815\uc801 \ub9e4\ub9e4\ub97c \ud588\ub294\uc9c0 \ub418\ub3cc\uc544\ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub354 \ub098\uc544\uac00, \ud2b9\uc815 \uc804\ub7b5\uc774 \uc5b4\ub290 \uc815\ub3c4 \uae30\uac04 \ub3d9\uc548 \uc720\ud6a8\ud55c\uc9c0\ub97c \ud30c\uc545\ud558\uae30 \uc704\ud574\uc11c\ub294 \uc8fc\uae30\uc801\uc778 \uc131\uacfc \ubd84\uc11d\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc608\ucee8\ub300 \u2018\ud55c \ub2ec \ub2e8\uc704\u2019\ub098 \u2018\ubd84\uae30\ubcc4\u2019\ub85c \uc790\uc2e0\uc758 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc218\uc775\ub960, \ubcc0\ub3d9\uc131, \ucd5c\ub300 \ub099\ud3ed \ub4f1\uc744 \uc815\ub9ac\ud574\ubcf4\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uc694\uc998\uc740 HTS(\ud648 \ud2b8\ub808\uc774\ub529 \uc2dc\uc2a4\ud15c)\ub098 MTS(\ubaa8\ubc14\uc77c \ud2b8\ub808\uc774\ub529 \uc2dc\uc2a4\ud15c)\uc5d0 \uae30\ubcf8\uc801\uc778 \uc131\uacfc \ubd84\uc11d \uae30\ub2a5\uc774 \ud0d1\uc7ac\ub418\uc5b4 \uc788\uc9c0\ub9cc, \uadf8\ub798\ub3c4 \uc77c\uc9c0\uc5d0 \uc9c1\uc811 \uc190\uc73c\ub85c \uc368 \ubcf4\ub294 \uacfc\uc815\uc744 \ud1b5\ud574 \ud22c\uc790 \uc2b5\uad00\uc744 \ub354\uc6b1 \uccb4\uacc4\ud654\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \u201c\uc774\ubc88 \ub2ec \uc218\uc775\ub960\uc774 \ubaa9\ud45c\uce58\ubcf4\ub2e4 \ub0ae\uc740 \uc774\uc720\uac00 \ubb34\uc5c7\uc778\uc9c0\u201d\ub97c \uacf0\uacf0\uc774 \ub530\uc838\ubcf4\uace0, \u201c\ud5a5\ud6c4 \uc5b4\ub5a4 \ubd80\ubd84\uc744 \ubcf4\uc644\ud574\uc57c \ud558\ub294\uc9c0\u201d\uae4c\uc9c0 \uc801\uc5b4\ub450\uba74 \ud559\uc2b5 \ud6a8\uacfc\uac00 \uadf9\ub300\ud654\ub429\ub2c8\ub2e4.<\/p>\n<p>\ud639\uc2dc \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uac00 \uc5ec\ub7ec \uac1c\ub77c\uba74, \uc139\ud130\ub098 \uc804\ub7b5\ubcc4\ub85c \uc131\uacfc\ub97c \ube44\uad50\u00b7\ub300\uc870\ud574\ubcf4\ub294 \uac83\ub3c4 \uc88b\uc740 \uc811\uadfc\uc785\ub2c8\ub2e4. \uc608\ucee8\ub300 \u201c\ubc30\ub2f9\uc8fc \ud3ec\ud2b8\ud3f4\ub9ac\uc624\u201d\uc758 \uc218\uc775\ub960\uacfc \u201c\uc131\uc7a5\uc8fc \ud3ec\ud2b8\ud3f4\ub9ac\uc624\u201d\uc758 \uc218\uc775\ub960\uc744 \ube44\uad50\ud558\uace0, \uc65c \uadf8\ub7f0 \ucc28\uc774\uac00 \ub0ac\ub294\uc9c0 \ubd84\uc11d\ud574\ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. 2023\ub144 \uc0c1\ubc18\uae30\uc5d0\ub294 \uae08\ub9ac\uac00 \uc5ec\uc804\ud788 \ub192\uc740 \uc218\uc900\uc744 \uc720\uc9c0\ud558\uba74\uc11c\ub3c4 \uc77c\ubd80 \uae30\uc220\uc8fc(\ud2b9\ud788 \uc778\uacf5\uc9c0\ub2a5 \ubd84\uc57c)\uc5d0 \ub300\ud55c \uae30\ub300\uac10\uc774 \ucee4\uc838 \uc131\uc7a5\uc8fc\uc640 \ubc30\ub2f9\uc8fc\uc758 \uc131\uacfc\uac00 \uc5c7\uac08\ub9b0 \uac83\uc774 \ub300\ud45c\uc801 \uc0ac\ub840\uc785\ub2c8\ub2e4. \uc774\ub7f0 \uc2dc\uc7a5 \ud750\ub984\uc744 \uc77c\uc9c0\uc5d0 \ub0a0\uc9dc\ubcc4\ub85c \ucea1\uc290\ud654\ud574\ub454\ub2e4\uba74, \uba87 \ub144 \ub4a4\uc5d0\ub3c4 \uadf8\ub54c\uc758 \uc2dc\uc7a5 \ubd84\uc704\uae30\uc640 \ub0b4 \uc120\ud0dd\uc744 \uc0dd\uc0dd\ud558\uac8c \ub418\ub3cc\uc544\ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ud22c\uc790 \uc77c\uc9c0\ub97c \ub354\uc6b1 \uc804\ubb38\uc801\uc73c\ub85c \uad00\ub9ac\ud558\uace0 \uc2f6\ub2e4\uba74, \uc5d1\uc140\uc774\ub098 \uad6c\uae00 \uc2a4\ud504\ub808\ub4dc\uc2dc\ud2b8 \ub4f1\uc73c\ub85c \uac04\ub2e8\ud55c \uadf8\ub798\ud504\ub97c \uadf8\ub824\ubcf4\ub294 \uac83\ub3c4 \uc88b\uc2b5\ub2c8\ub2e4. \ub0a0\uc9dc\ubcc4 \ud22c\uc790\uae08\uc561, \uc885\ubaa9\ubcc4 \ub9e4\uc218\ub2e8\uac00, \uc218\uc775\ub960, \ub9e4\ub9e4 \uc0ac\uc720 \ub4f1\uc744 \ud14c\uc774\ube14\ub85c \uc815\ub9ac\ud574\ub454 \ub4a4, \uc77c\uc8fc\uc77c \ub2e8\uc704 \ud639\uc740 \uc6d4\uac04 \ub2e8\uc704\ub85c \uc190\uc775 \uadf8\ub798\ud504\ub97c \uc791\uc131\ud574\ubcf4\uba74 \ubcf8\uc778\uc758 \u2018\ud22c\uc790 \ud589\uc801\u2019\uc774 \ud6e8\uc52c \ud55c\ub208\uc5d0 \ub4e4\uc5b4\uc635\ub2c8\ub2e4. \uc774\ub7f0 \uc2dc\uac01\ud654 \uc791\uc5c5\uc740 \uc77c\uc9c0\uc5d0 \uae30\ub85d\ub41c \ud14d\uc2a4\ud2b8\uac00 \ub54c\ub85c\ub294 \ub193\uce60 \uc218 \uc788\ub294 \ucd94\uc138 \ud30c\uc545\uc5d0 \uc720\uc775\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c, \ub3cc\ubc1c \ubcc0\uc218\ub098 \uc608\uc0c1\uce58 \ubabb\ud55c \uc190\uc775\uc774 \ubc1c\uc0dd\ud588\uc744 \ub54c\ub294 \uc791\uc740 \uc0ac\ub840 \uc5f0\uad6c\ub97c \uc9c4\ud589\ud574\ubcf4\uae38 \uad8c\uc7a5\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ubbf8\uad6d \uc5f0\ubc29\uc900\ube44\uc81c\ub3c4(Fed)\uac00 \uac11\uc790\uae30 \uae30\uc900\uae08\ub9ac\ub97c \uc608\uc0c1\ubcf4\ub2e4 \ud06c\uac8c \uc62c\ub838\uace0, \uadf8 \uc2dc\uc810\uc5d0 \ubcf8\uc778\uc774 \ubcf4\uc720\ud55c \uae30\uc220\uc8fc \uc885\ubaa9\uc774 \uae09\ub77d\ud588\ub2e4\uba74, \ud22c\uc790 \uc77c\uc9c0\uc5d0 \u201cFed \uae08\ub9ac \uc778\uc0c1 \ubc1c\ud45c \uc2dc\uac04 \ubc0f \uc99d\uc2dc \ubc18\uc751, \ub0b4 \ub300\uc751 \uc804\ub7b5, \ud5a5\ud6c4 \uc2dc\ub098\ub9ac\uc624\u201d \ub4f1\uc744 \uaf3c\uaf3c\ud788 \uc368 \ub193\uc2b5\ub2c8\ub2e4. \uadf8\ub9ac\uace0 \ub098\uc911\uc5d0 \uc2e4\uc81c \uacb0\uacfc\uc640 \ube44\uad50\ud574\ubcf4\uba74\uc11c, \u201c\ub0b4\uac00 \uc0dd\uac01\ud55c \uc2dc\ub098\ub9ac\uc624\uac00 \uc5bc\ub9c8\ub098 \uc815\ud655\ud588\uace0, \uc5b4\ub514\uc11c\ubd80\ud130 \ud2c0\uc5b4\uc84c\ub294\uc9c0\u201d\ub97c \ub418\uc9da\uc5b4\ubcf4\ub294 \uac81\ub2c8\ub2e4. \uc774\ub807\uac8c \ud55c \ucc28\ub840 \ub3cc\ubc1c \uc0c1\ud669\uc744 \ubd84\uc11d\ud574\ub450\uba74, \uc720\uc0ac\ud55c \uc0c1\ud669\uc774 \ub2e4\uc2dc \uc654\uc744 \ub54c \ud720\uc52c \ube60\ub974\uace0 \uc815\ud655\ud55c \ud310\ub2e8\uc744 \ub0b4\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc2e4\ud589 \ubc0f \uc810\uac80 \ub2e8\uacc4\uc5d0\uc11c \uc8fc\uc758\ud574\uc57c \ud560 \uc810\uc740, \uc77c\uc9c0 \uc791\uc131\uc774 \u2018\uc2a4\ud2b8\ub808\uc2a4\u2019\uac00 \ub418\uc5b4\uc11c\ub294 \uc548 \ub41c\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4. \uc758\ubb34\uac10\uc73c\ub85c\ub9cc \uc791\uc131\ud558\ub2e4 \ubcf4\uba74 \uae30\ub85d\uc774 \ud750\uc9c0\ubd80\uc9c0\ub418\uae30 \uc2ed\uc0c1\uc785\ub2c8\ub2e4. \uc624\ud788\ub824 \uc9e7\ub354\ub77c\ub3c4 \uafb8\uc900\ud788, \ub9e4\uc77c \uc77c\uc815 \uc2dc\uac04\uc744 \ud22c\uc790\ud574 \uae30\ub85d\ud558\uace0 \uc774\ub97c \ub418\uc9da\ub294 \uc2b5\uad00\uc744 \ub4e4\uc774\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \ud558\ub8e8 10\ubd84 \uc815\ub3c4\ub294 \ubc18\ub4dc\uc2dc \uc77c\uc9c0\uc5d0 \ud560\uc560\ud574 \ub9e4\ub9e4 \ub0b4\uc6a9\uacfc \uac10\uc815\uc744 \uc815\ub9ac\ud558\uace0, \uc8fc\ub9d0 \ud55c \ubc88\uc740 \ud55c \uc8fc\uac04\uc758 \uacb0\uacfc\ub97c \uc885\ud569\uc801\uc73c\ub85c \ubc18\uc131\ud558\ub294 \uc2dc\uac04\uc744 \uac16\ub294 \uc2dd\uc758 \ub8e8\ud2f4\uc744 \ub9cc\ub4dc\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \ud22c\uc790 \uc77c\uc9c0\ub294 \ub2e8\uc21c\ud788 \u2018\uacfc\uac70\u2019\ub9cc\uc744 \uae30\ub85d\ud558\ub294 \ub3c4\uad6c\uac00 \uc544\ub2c8\ub77c \u2018\ubbf8\ub798\u2019\ub97c \ub300\ube44\ud558\ub294 \ud1b5\ucc30\uc758 \ucc3d\uad6c\uc774\uae30\ub3c4 \ud569\ub2c8\ub2e4. \uc810\uac80 \uacfc\uc815\uc744 \ud1b5\ud574 \uc0c8\ub85c\uc6b4 \uc544\uc774\ub514\uc5b4\ub098 \uc804\ub7b5\uc744 \ub5a0\uc62c\ub9b4 \uc218\ub3c4 \uc788\uace0, \u201c\ub0b4\ub144\uc5d0 \uae08\ub9ac\uac00 \ucd94\uac00\ub85c \uc778\uc0c1\ub41c\ub2e4\uba74 \ubd80\ub3d9\uc0b0 \uc2dc\uc7a5\uc740 \uc5b4\ub5bb\uac8c \ubcc0\ud560\uae4c?\u201d \uac19\uc740 \ubbf8\ub798 \uc2dc\ub098\ub9ac\uc624\ub97c \ubbf8\ub9ac \uc124\uc815\ud574\ub450\ub294 \uc2b5\uad00\ub3c4 \uc0dd\uae41\ub2c8\ub2e4. \uc774\ub97c \ubc14\ud0d5\uc73c\ub85c \uc0c8\ub85c\uc6b4 \uc790\uc0b0 \ubc30\ubd84 \ubc29\uc548\uc744 \uad6c\uc0c1\ud574\ubcf4\uace0, \uc791\uc740 \uc2dc\ud5d8 \ud22c\uc790(\uc18c\uc561\uc73c\ub85c \ub370\uc774\ud130\ub97c \ucd95\uc801)\ub3c4 \uc2dc\ub3c4\ud574\ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uacb0\uad6d \uc2e4\ucc9c\uc744 \ud1b5\ud55c \uacbd\ud5d8\uacfc \ub370\uc774\ud130\ub97c \uc77c\uc9c0\uc5d0 \ucd95\uc801\ud558\uba70, \uc8fc\uae30\uc801\uc73c\ub85c \uadf8 \ub370\uc774\ud130\ub97c \ubd84\uc11d\ud574\uc11c \ub354 \ub098\uc740 \uc804\ub7b5\uc744 \uc218\ub9bd\ud558\uace0 \ub2e4\uc2dc \uc2e4\ud589\ud558\ub294 \uac83\uc774 \ud22c\uc790 \uc131\uacf5\uc744 \uc704\ud55c \uc120\uc21c\ud658 \uad6c\uc870\uc785\ub2c8\ub2e4. \ub300\ubd80\ubd84\uc758 \uc804\ubb38 \ud2b8\ub808\uc774\ub354\ub098 \ud22c\uc790 \ub300\uac00\ub4e4 \uc5ed\uc2dc \uacfc\uac70 \ub370\uc774\ud130\ub97c \ucca0\uc800\ud788 \ubd84\uc11d\ud588\ub2e4\ub294 \uacf5\ud1b5\uc810\uc744 \uc9c0\ub2c8\ub294\ub370, \uc77c\ubc18 \uac1c\uc778 \ud22c\uc790\uc790\ub3c4 \ub3d9\uc77c\ud55c \uc2b5\uad00\uc744 \uc2e4\ucc9c\ud560 \uc218 \uc788\ub294 \uac00\uc7a5 \uac04\ub2e8\ud55c \ubc29\ubc95\uc774 \ubc14\ub85c \ud22c\uc790 \uc77c\uc9c0 \uc791\uc131\uc774\ub77c \ud558\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub124 \uc139\uc158\uc5d0 \uac78\uce5c \ub0b4\uc6a9\ub4e4\uc744 \ud1b5\ud574, \ud22c\uc790 \uc77c\uc9c0\ub97c \ub2e8\uc21c\ud55c \uba54\ubaa8 \uc774\uc0c1\uc758 \ud1b5\ucc30 \ub3c4\uad6c\ub85c \ud65c\uc6a9\ud558\ub294 \ubc95\uc744 \uc775\ud614\ub2e4\uace0 \uc0dd\uac01\ud569\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ud22c\uc790\uc5d0\ub294 \uc815\ub2f5\uc774 \uc5c6\uc73c\uba70, \ub204\uad6c\ub098 \uc0c1\ud669\uacfc \ubaa9\uc801\uc774 \ub2e4\ub985\ub2c8\ub2e4. \uc790\uc2e0\ub9cc\uc758 \ubaa9\ud45c\uc640 \uc804\ub7b5, \uadf8\ub9ac\uace0 \uc2e4\ud589 \uacfc\uc815\uc744 \uae30\ub85d\ud558\uace0 \uc810\uac80\ud558\ub294 \uc2b5\uad00\uc744 \ud1b5\ud574, \uafb8\uc900\ud788 \ud559\uc2b5\ud558\uace0 \uc131\uc7a5\ud574 \ub098\uac00\ub294 \uae38\uc774\uc57c\ub9d0\ub85c \ucd08\ubcf4\uc790\uc5d0\uac8c\ub098 \uc219\ub828\uc790\uc5d0\uac8c\ub098 \ubcc0\ud568\uc5c6\uc774 \uc911\uc694\ud55c \uc131\uacf5\uc758 \uc5f4\uc1e0\uc785\ub2c8\ub2e4.<\/p>\n<h2 id=\"%ea%b2%b0%eb%a1%a0-ZamydQTtyt\">\uacb0\ub860<\/h2>\n<p>\uc774\uc0c1\uc73c\ub85c, \u201c\uc7ac\ud14c\ud06c \ucd08\ubcf4\uc790\ub97c \uc704\ud55c \ud22c\uc790 \uc77c\uc9c0 \uc791\uc131\ubc95\u201d\uc5d0 \ub300\ud574 \ub124 \uac00\uc9c0 \ud070 \uc139\uc158\uc5d0 \uac78\uccd0 \uc0b4\ud3b4\ubcf4\uc558\uc2b5\ub2c8\ub2e4. \uccab\uc9f8, \ud22c\uc790 \uc77c\uc9c0\uc758 \uae30\ubcf8 \uc774\ud574\ub97c \ud1b5\ud574 \uae30\ub85d\uc774 \uc65c \uc911\uc694\ud55c\uc9c0, \uae30\ub85d\uc5d0 \ud3ec\ud568\ub418\uc5b4\uc57c \ud560 \ud575\uc2ec \ud56d\ubaa9\ub4e4\uc740 \ubb34\uc5c7\uc778\uc9c0\ub97c \ud655\uc778\ud588\uc2b5\ub2c8\ub2e4. \ub458\uc9f8, \ucd5c\uadfc \ud22c\uc790 \ub3d9\ud5a5 \ubd84\uc11d\uacfc \uad00\ub828\ud574 \uae08\ub9ac \uc778\uc0c1, ESG \ud2b8\ub80c\ub4dc, \uc554\ud638\ud654\ud3d0 \ub4f1 \ub2e4\uc591\ud55c \uacbd\uc81c \uc774\uc288\uc640 \uc2dc\uc7a5 \ud750\ub984\uc744 \ud22c\uc790 \uc77c\uc9c0\uc5d0 \uc5b4\ub5bb\uac8c \ubc18\uc601\ud558\uba74 \uc720\uc775\ud55c\uc9c0\ub97c \uc54c\uc544\ubcf4\uc558\uc2b5\ub2c8\ub2e4. \uc14b\uc9f8, \ubaa9\ud45c \uc124\uc815\uacfc \ud22c\uc790 \uc804\ub7b5 \uad6c\uccb4\ud654 \uacfc\uc815\uc744 \ud1b5\ud574, SMART \uae30\ubc95\uc744 \ud65c\uc6a9\ud55c \uc2e4\uc9c8\uc801\uc774\uace0 \ub2ec\uc131 \uac00\ub2a5\ud55c \ud22c\uc790 \uc124\uacc4 \ubc29\uc548\uc744 \uc0b4\ud3b4\ubcf4\uc558\uc2b5\ub2c8\ub2e4. \ub05d\uc73c\ub85c \ub137\uc9f8, \uc2e4\ud589 \ubc0f \uc810\uac80 \ub2e8\uacc4\uc5d0\uc11c \ubd84\ud560 \ub9e4\uc218\u00b7\ub9e4\ub3c4, \uc2ec\ub9ac \uad00\ub9ac, \uc8fc\uae30\uc801 \uc131\uacfc \ubd84\uc11d \ub4f1 \uad6c\uccb4\uc801\uc778 \ubc29\ubc95\ub860\uc744 \uc81c\uc2dc\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ud22c\uc790 \uc77c\uc9c0\ub780 \ub2e8\uc21c\ud788 \u2018\ub9e4\ub9e4 \uae30\ub85d\uc9c0\u2019\uac00 \uc544\ub2c8\ub77c, \uc790\uc2e0\uc758 \ud22c\uc790 \ucca0\ud559\uacfc \uc2b5\uad00\uc744 \ubc1c\uc804\uc2dc\ud0a4\ub294 \uac15\ub825\ud55c \ub3c4\uad6c\uc785\ub2c8\ub2e4. \ud2b9\ud788 \ucd08\ubcf4\uc790\uc77c\uc218\ub85d \uc2dc\uc7a5 \ubcc0\ub3d9\uc5d0 \uc27d\uac8c \ud754\ub4e4\ub9ac\ub294\ub370, \ud22c\uc790 \uc77c\uc9c0\ub85c\ubd80\ud130 \uc5bb\ub294 \uac1d\uad00\uc801\uc778 \ub370\uc774\ud130\uc640 \uc790\uae30 \ubc18\uc131\uc774 \uc2a4\uc2a4\ub85c\uc758 \ud310\ub2e8\ub825\uc744 \uadf9\uc801\uc73c\ub85c \ub192\uc5ec\uc904 \uac83\uc785\ub2c8\ub2e4. \ub098\uc544\uac00 \uafb8\uc900\ud788 \uae30\ub85d\ud55c \ud22c\uc790 \uc77c\uc9c0\ub294 \uba87 \ub144 \ud6c4 \ub418\ub3cc\uc544\ubcf4\uc558\uc744 \ub54c, \uc790\uae30\ub9cc\uc758 \u2018\ud22c\uc790 \ud788\uc2a4\ud1a0\ub9ac\u2019\uc774\uc790 \u2018\ub178\ud558\uc6b0 \uc9d1\ub300\uc131\u2019\uc73c\ub85c \uc758\ubbf8 \uc788\uac8c \ub0a8\uac8c \ub429\ub2c8\ub2e4. \uc2dc\uc7a5 \uc0c1\ud669\uc740 \ub298 \ubcc0\ud558\uace0, \uc131\uacf5 \ubc29\uc2dd\ub3c4 \ubcc0\ud558\uae30 \ub9c8\ub828\uc774\uc9c0\ub9cc, \uc8fc\uae30\uc801\uc73c\ub85c \uc790\uc2e0\uc744 \ub3cc\uc544\ubcf4\uace0 \uac1c\uc120\ud558\ub294 \uc2b5\uad00\ub9cc\uc740 \ubcc0\ud568\uc5c6\uc774 \uc6b0\ub9ac\uc5d0\uac8c \uc911\uc694\ud55c \ubb34\uae30\uac00 \ub429\ub2c8\ub2e4. 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