\uc0ac\ud68c \ucd08\ub144\uc0dd\uc744 \uc704\ud55c \uc7ac\ubb34 \uc0c1\ud0dc \uc9c4\ub2e8 \ubc29\ubc95<\/title><\/p>\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-%ec%9e%ac%eb%ac%b4-%ec%83%81%ed%83%9c-%ec%a7%84%eb%8b%a8-%eb%b0%a9%eb%b2%95-qPzkSKWIpN\">\uc0ac\ud68c \ucd08\ub144\uc0dd\uc744 \uc704\ud55c \uc7ac\ubb34 \uc0c1\ud0dc \uc9c4\ub2e8 \ubc29\ubc95<\/h1>\n<\/p>\n<h2 id=\"%ec%84%b9%ec%85%98-1-%ec%9e%ac%eb%ac%b4-%ea%b1%b4%ec%a0%84%ec%84%b1-%ed%8c%8c%ec%95%85%ec%9d%98-%ea%b8%b0%ec%b4%88-qPzkSKWIpN\">\uc139\uc158 1: \uc7ac\ubb34 \uac74\uc804\uc131 \ud30c\uc545\uc758 \uae30\ucd08<\/h2>\n\n\uc0ac\ud68c \ucd08\ub144\uc0dd\uc774\ub77c\uba74 \uc6b0\uc120 \uc790\uc2e0\uc774 \ucc98\ud55c \uc7ac\ubb34 \uc0c1\ud669\uc744 \uac1d\uad00\uc801\uc73c\ub85c \uc774\ud574\ud558\ub294 \uac83\uc774 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. \ud754\ud788\ub4e4 \u2018\uccab \ub2e8\ucd94\uac00 \uc911\uc694\ud558\ub2e4\u2019\uace0 \ub9d0\ud558\ub4ef, \uc0ac\ud68c\uc5d0 \uccab\ubc1c\uc744 \ub0b4\ub51b\ub294 \uc2dc\uc810\uc774\uc57c\ub9d0\ub85c \uc7ac\ubb34 \uac74\uc804\uc131\uc744 \ub2e4\uc9c0\ub294 \uacb0\uc815\uc801\uc778 \uae30\ud68c\uc774\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \uc2e4\uc81c\ub85c \ub2e4\uc591\ud55c \ud1b5\uacc4\uc5d0\uc11c, \uc0ac\ud68c \ucd08\ub144\uc0dd \uc2dc\uc808\uc5d0 \uc7ac\ubb34 \uc2b5\uad00\uc744 \uc798\ubabb \ub4e4\uc774\uba74 \uc774\ud6c4 \ud070 \ube5a\uc744 \uc9c0\uac70\ub098 \uacfc\ub3c4\ud55c \uc18c\ube44 \ud589\ud0dc\ub97c \ubcf4\uc774\ub294 \uacbd\ud5a5\uc774 \ub192\ub2e4\ub294 \uacb0\uacfc\uac00 \ub098\ud0c0\ub0a9\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 2022\ub144\uc5d0 \ubc1c\ud45c\ub41c \uad6d\ub0b4 \uc2e0\uc6a9\uce74\ub4dc\uc0ac \uc790\ub8cc\uc5d0 \ub530\ub974\uba74, 20\ub300 \ud6c4\ubc18\ubd80\ud130 30\ub300 \ucd08\ubc18 \uc0ac\uc774\uc5d0 \uc2e0\uc6a9\uce74\ub4dc \uc5f0\uccb4\uc728\uc774 \uae09\uc99d\ud558\ub294 \ud604\uc0c1\uc774 \ud3ec\ucc29\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uc0ac\ud68c \ucd08\ub144\uc0dd \uc2dc\uae30\uc5d0 \uc81c\ub300\ub85c \ub41c \uc9c0\ucd9c\uacfc \uc2e0\uc6a9\uad00\ub9ac\ub97c \ud558\uc9c0 \ubabb\ud558\uba74, \ub098\uc911\uc5d0 \ub354 \ud070 \ubb38\uc81c\ub85c \uc774\uc5b4\uc9c4\ub2e4\ub294 \uc810\uc744 \uc2dc\uc0ac\ud569\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc774 \uc2dc\uae30\uc5d0 \uc2a4\uc2a4\ub85c\uc758 \uc7ac\ubb34 \uc0c1\ud0dc\ub97c \uc9c4\ub2e8\ud558\uace0, \uc5bc\ub9c8\ub098 \uac74\uc804\ud55c \uc7ac\ubb34 \ud1a0\ub300\ub97c \uac16\ucd94\uace0 \uc788\ub294\uc9c0 \uaf3c\uaf3c\ud788 \uc0b4\ud3b4\ubcf4\ub294 \uc77c\uc774 \uc911\uc694\ud558\uaca0\uc2b5\ub2c8\ub2e4.\n<\/p>\n\n\uc7ac\ubb34 \uac74\uc804\uc131 \ud30c\uc545\uc744 \uc704\ud574\uc11c\ub294 \uc6b0\uc120\uc801\uc73c\ub85c \uc790\uc2e0\uc758 \uc21c\uc790\uc0b0\uc744 \uacc4\uc0b0\ud574\ubcfc \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uc21c\uc790\uc0b0\uc774\ub780 \uc790\uc2e0\uc774 \uac00\uc9c4 \ubaa8\ub4e0 \uc790\uc0b0(\ud604\uae08, \uc608\uae08, \ud22c\uc790\uae08, \ubd80\ub3d9\uc0b0 \ub4f1)\uc5d0\uc11c \ubd80\ucc44(\ud559\uc790\uae08 \ub300\ucd9c, \uc2e0\uc6a9\uce74\ub4dc \ubbf8\uacb0\uc81c\uc561, \uc804\uc138\uc790\uae08 \ub300\ucd9c \ub4f1)\ub97c \ube80 \uac12\uc785\ub2c8\ub2e4. \uc774\ub294 \uac1c\uc778\uc758 \u2018\uc2e4\uc9c8 \uc790\uc0b0 \uaddc\ubaa8\u2019\ub97c \uac00\ub2a0\ud558\ub294 \uc9c0\ud45c\uc774\ubbc0\ub85c \ud55c \ubc88\ucbe4 \uc5d1\uc140\uc774\ub098 \uc7ac\ubb34 \uad00\ub9ac \uc571 \ub4f1\uc744 \ud65c\uc6a9\ud558\uc5ec \uccb4\uacc4\uc801\uc73c\ub85c \uc815\ub9ac\ud574\ubcf4\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uc608\ucee8\ub300, \ub9e4\uc6d4 \uae09\uc5ec\ub97c \ubc1b\uc558\uc744 \ub54c \uc5b4\ub290 \uc815\ub3c4\ub97c \uc800\ucd95\ud558\uac70\ub098 \ud22c\uc790 \uc0c1\ud488\uc5d0 \uac00\uc785\ud558\ub294\uc9c0, \uadf8\ub9ac\uace0 \ub2f9\uc7a5 \uc0c1\ud658\ud574\uc57c \ud560 \ubd80\ucc44\ub294 \uc5bc\ub9c8\uc778\uc9c0\ub97c \uad6c\uccb4\uc801\uc73c\ub85c \uc22b\uc790\ub85c \ud30c\uc545\ud55c\ub2e4\uba74 \ud604\uc7ac\uc758 \uc7ac\ubb34 \uc0c1\ud0dc\uc640 \ud5a5\ud6c4 \uacc4\ud68d\uc5d0 \ucee4\ub2e4\ub780 \ucc28\uc774\ub97c \ub9cc\ub4e4\uc5b4\ub0bc \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n<\/p>\n\n\ud2b9\ud788 \uc0ac\ud68c \ucd08\ub144\uc0dd\uc758 \uacbd\uc6b0, \uc544\uc9c1 \uc9c1\uc7a5\uc5d0\uc11c \ubc1b\uc740 \uae09\uc5ec\ub3c4 \ud06c\uc9c0 \uc54a\uace0 \ub2e4\uc591\ud55c \uc9c0\ucd9c\uc774 \ubd88\uac00\ud53c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ucee8\ub300, \uc790\ucde8\ub97c \ud558\uac70\ub098 \ubd80\ubaa8\ub2d8 \ub301\uc744 \ub5a0\ub098 \ub3c5\ub9bd\ud558\ub294 \uacfc\uc815\uc5d0\uc11c \uc6d4\uc138\ub098 \uc804\uc138\uc790\uae08, \uc0dd\ud65c\ube44, \uad50\ud1b5\ube44 \ub4f1 \ubc14\ub85c \ub208\uc5d0 \ubcf4\uc774\uc9c0 \uc54a\ub294 \uc720\uc9c0 \ube44\uc6a9\uc774 \uc801\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc774\ucc98\ub7fc \uc9c0\ucd9c\uc774 \uafb8\uc900\ud788 \ubc1c\uc0dd\ud558\ub294 \uc0c1\ud669\uc5d0\uc11c, \uc790\uc2e0\uc758 \uc790\uc0b0 \ub300\ube44 \ubd80\ucc44 \ube44\uc728\uc744 \uc81c\ub300\ub85c \uc54c\uc9c0 \ubabb\ud558\uba74 \ubcf8\uc778\ub3c4 \ubaa8\ub974\uac8c \ucda9\ub3d9 \uc18c\ube44\ub098 \uacfc\ub3c4\ud55c \uc2e0\uc6a9\uce74\ub4dc \uc774\uc6a9\uc73c\ub85c \ubd88\ud544\uc694\ud55c \ube5a\uc774 \uc313\uc77c \uac00\ub2a5\uc131\uc774 \ucee4\uc9d1\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc7ac\ubb34 \uac74\uc804\uc131 \uc9c0\ud45c\ub97c \uc815\uae30\uc801\uc73c\ub85c \uc0b4\ud3b4\ubcf4\uace0, \ubb38\uc81c\uac00 \uc788\ub2e4\uba74 \uc989\uc2dc \uac1c\uc120\ucc45\uc744 \ub9c8\ub828\ud574\uc57c \ud569\ub2c8\ub2e4.\n<\/p>\n\n\uc774\ub97c \uc704\ud574 \uac04\ub2e8\ud55c \uac00\uacc4\ubd80\ub098 \uc7ac\ubb34 \uad00\ub9ac \uc5b4\ud50c\ub9ac\ucf00\uc774\uc158\uc744 \ud65c\uc6a9\ud574 \ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\uc804\uc5d0 \uac00\uacc4\ubd80\ub294 \uc218\uae30\ub85c \uc4f0\ub294 \uacbd\uc6b0\uac00 \ub300\ubd80\ubd84\uc774\uc5c8\uc9c0\ub9cc, \ucd5c\uadfc\uc5d0\ub294 \uc2a4\ub9c8\ud2b8\ud3f0\uc73c\ub85c \uc27d\uac8c \uc9c0\ucd9c\u00b7\uc218\uc785 \ub0b4\uc5ed\uc744 \uae30\ub85d\ud560 \uc218 \uc788\ub294 \ub2e4\uc591\ud55c \uc571\uc774 \ub4f1\uc7a5\ud588\uc2b5\ub2c8\ub2e4. \ub355\ubd84\uc5d0 \ub9e4\uc77c\ub9e4\uc77c \uc9c0\ucd9c\ub0b4\uc5ed\uc744 \uc790\ub3d9\uc73c\ub85c \uce74\ud14c\uace0\ub9ac\uc5d0 \ub9de\ucdb0 \uc815\ub9ac\ud560 \uc218 \uc788\uace0, \uc6d4\ub9d0\uc774\ub098 \uc5f0\ub9d0\uc5d0\ub294 \uc9c0\ucd9c\uacfc \uc608\uc0b0 \ub300\ube44 \ucc28\uc774\ub97c \ud55c\ub208\uc5d0 \ud655\uc778\ud560 \uc218 \uc788\uc5b4 \uc7ac\ubb34 \uc9c4\ub2e8\uc5d0 \ud6a8\uacfc\uc801\uc785\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \uc5b4\ub5a4 \uc571\uc740 \uc2e0\uc6a9\uce74\ub4dc, \uccb4\ud06c\uce74\ub4dc, \uc740\ud589 \uac70\ub798\ub0b4\uc5ed\uc744 \uc790\ub3d9 \uc5f0\ub3d9\ud558\uc5ec \uc9c0\ucd9c \ud328\ud134\uc744 \uc2dc\uac01\uc801\uc778 \uadf8\ub798\ud504\ub098 \ub3c4\ud45c\ub85c \uc81c\uacf5\ud574 \uc8fc\uae30 \ub54c\ubb38\uc5d0, \ubcf8\uc778\ub3c4 \ubab0\ub790\ub358 \uacfc\uc18c\ube44 \ud56d\ubaa9\uc744 \uc27d\uac8c \ud30c\uc545\ud560 \uc218 \uc788\ub294 \uc7a5\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4.\n<\/p>\n\n\ub610\ud55c \uc7ac\ubb34 \uac74\uc804\uc131\uc744 \ud30c\uc545\ud558\ub294 \uacfc\uc815\uc5d0\uc11c \u2018\uae34\uae09\uc790\uae08(\ube44\uc0c1\uae08) \ub9c8\ub828\u2019\ub3c4 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. \ud639\uc2dc \ubaa8\ub97c \uc0ac\uace0\ub098 \uc2e4\uc9c1, \uac11\uc791\uc2a4\ub7ec\uc6b4 \ubcd1\uc6d0\ube44 \ub4f1 \uae34\uae09\uc0c1\ud669\uc5d0 \ub300\ube44\ud574\uc11c \ucd5c\uc18c 3~6\uac1c\uc6d4 \uc815\ub3c4\uc758 \uc0dd\ud65c\ube44\uc5d0 \ud574\ub2f9\ud558\ub294 \uae08\uc561\uc744 \ube44\uc0c1\uae08\uc73c\ub85c \ud655\ubcf4\ud574\ub450\uc5b4\uc57c \uc7ac\ubb34\uc801 \uc2a4\ud2b8\ub808\uc2a4\uac00 \ub300\ud3ed \uc904\uc5b4\ub4ed\ub2c8\ub2e4. \uc774 \ube44\uc0c1\uae08\uc740 \uc808\ub300 \ub2e4\ub978 \uc6a9\ub3c4\ub85c \uc0ac\uc6a9\ud558\uc9c0 \uc54a\uace0, \ud544\uc694\ud560 \ub54c \ubc14\ub85c \uaebc\ub0b4 \uc4f8 \uc218 \uc788\ub3c4\ub85d \uc720\ub3d9\uc131\uc774 \ud655\ubcf4\ub41c \uc608\uae08\uc774\ub098 CMA, \ub610\ub294 \uc218\uc2dc \uc785\ucd9c\uae08 \ud1b5\uc7a5\uc774 \uc801\ud569\ud569\ub2c8\ub2e4. \uc774\ub7f0 \uae34\uae09\uc790\uae08\uc744 \ubbf8\ub9ac \ub9c8\ub828\ud574\ub450\uba74, \uc608\uc0c1\uce58 \ubabb\ud55c \uc9c0\ucd9c\uc774 \ubc1c\uc0dd\ud574\ub3c4 \uc2e0\uc6a9\uce74\ub4dc\ub098 \ub300\ucd9c\ub85c \ud574\uacb0\ud558\ub824\ub294 \uc720\ud639\uc5d0\uc11c \ubc97\uc5b4\ub098 \uc7ac\ubb34 \uac74\uc804\uc131\uc744 \uc720\uc9c0\ud560 \uc218 \uc788\uac8c \ub429\ub2c8\ub2e4.\n<\/p>\n\n\ud55c\ud3b8, \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \uac00\uc7a5 \ub9ce\uc774 \ucc29\uac01\ud558\ub294 \ubd80\ubd84 \uc911 \ud558\ub098\ub294 \ubc14\ub85c \u2018\ub0b4\uac00 \ubc8c \uc218 \uc788\ub294 \uc218\uc785\uc740 \uc55e\uc73c\ub85c \uacc4\uc18d \ub298\uc5b4\ub0a0 \uac83\u2019\uc774\ub77c\ub294 \ub9c9\uc5f0\ud55c \uae30\ub300\uc785\ub2c8\ub2e4. \ubb3c\ub860 \uacbd\ub825\uc774 \uc313\uc774\uba74\uc11c \uae09\uc5ec\uac00 \uc810\ucc28 \uc0c1\uc2b9\ud560 \uac00\ub2a5\uc131\uc740 \uc788\uc9c0\ub9cc, \ud604\uc2e4\uc801\uc73c\ub85c \uad6c\uc870\uc870\uc815\uc774\ub098 \uacbd\uae30 \uce68\uccb4\uac19\uc774 \uac1c\uc778\uc774 \ud1b5\uc81c\ud560 \uc218 \uc5c6\ub294 \ubcc0\uc218\uac00 \ud56d\uc0c1 \uc874\uc7ac\ud569\ub2c8\ub2e4. \uc2e4\uc81c\ub85c \ub9ce\uc740 \ud1b5\uacc4 \uc790\ub8cc\uc5d0\uc11c \uc7a5\uae30 \ubd88\ud669\uc774 \uc774\uc5b4\uc9c8 \ub54c\ub9c8\ub2e4 \uac00\uc7a5 \uba3c\uc800 \ud0c0\uaca9\uc744 \uc785\ub294 \uacc4\uce35 \uc911 \ud558\ub098\uac00 \u2018\uacbd\ub825 1~5\ub144 \ucc28\uc758 \uc80a\uc740 \uadfc\ub85c\uc790\u2019\uc778 \uac83\uc73c\ub85c \ub4dc\ub7ec\ub0ac\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc0c1\ud669\uc744 \uace0\ub824\ud55c\ub2e4\uba74, \ubcf8\uc778\uc758 \uc608\uc0c1 \uc218\uc785 \uc131\uc7a5\ub960\uc744 \uacfc\ub300\ud3c9\uac00\ud558\uae30\ubcf4\ub2e4\ub294 \ubcf4\uc218\uc801\uc778 \uc608\uc0c1\uacfc \uc9c0\ucd9c \uc808\uac10\uc744 \ud1b5\ud574 \ud604\uc7ac\uc758 \uc790\uc0b0\uc744 \uc548\uc804\ud558\uac8c \uc9c0\ud0a4\ub294 \ubc29\ud5a5\uc73c\ub85c \uc811\uadfc\ud558\ub294 \uac83\uc774 \ud604\uba85\ud569\ub2c8\ub2e4.\n<\/p>\n\n\uc5ec\uae30\uc5d0 \ub354\ud574, \uc790\uc2e0\uc758 \uc7ac\ubb34 \uac74\uc804\ub3c4\ub97c \uc815\uae30\uc801\uc73c\ub85c \ud3c9\uac00\ud558\uae30 \uc704\ud55c \uc9c0\ud45c\ub85c \u2018\uc2e0\uc6a9\ub4f1\uae09\u2019\uc774\ub098 \u2018\uc2e0\uc6a9\ud3c9\uc810\u2019\uc744 \uaf3d\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc0ac\ud68c\uc0dd\ud65c \ucd08\uae30\ubd80\ud130 \uc740\ud589 \ub300\ucd9c, \uc2e0\uc6a9\uce74\ub4dc \uc774\uc6a9 \ub4f1\uacfc \uad00\ub828\ud574 \uc2e0\uc6a9\ud3c9\uc810\uc774 \ucd95\uc801\ub418\uae30 \uc2dc\uc791\ud558\ub294\ub370, \uc774 \uc9c0\ud45c\uac00 \ud5a5\ud6c4 \ub354 \ud070 \uaddc\ubaa8\uc758 \uc8fc\ud0dd\uc790\uae08 \ub300\ucd9c\uc774\ub098 \uc0ac\uc5c5\uc790\uae08 \ub9c8\ub828 \uc2dc\uc5d0\ub3c4 \uc9c1\uac04\uc811\uc801\uc73c\ub85c \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4. \uc2e0\uc6a9\uc810\uc218\uac00 \ud06c\uac8c \ud558\ub77d\ud558\uba74 \uc774\uc790\uc728\uc774 \uc624\ub974\uac70\ub098 \ub300\ucd9c \uc2b9\uc778 \uc790\uccb4\uac00 \uac70\ubd80\ub420 \uc218 \uc788\uc73c\ubbc0\ub85c, \uc5f0\uccb4\ub098 \uacfc\ub3c4\ud55c \ub300\ucd9c\uc740 \ubc18\ub4dc\uc2dc \ud53c\ud574\uc57c \ud569\ub2c8\ub2e4. \ub610\ud55c \ubd88\ud544\uc694\ud55c \uce74\ub4dc \ubc1c\uae09\ubcf4\ub2e4\ub294 \uc8fc \uac70\ub798\uc740\ud589\uc744 \uc124\uc815\ud574 \uafb8\uc900\ud788 \uac70\ub798\uc2e4\uc801\uc744 \uc313\uace0, \ub300\ucd9c\uc774 \uc788\ub2e4\uba74 \uc2e0\uc6a9\ub4f1\uae09\uc758 \ubcc0\ud654\ub97c \uc8fc\uae30\uc801\uc73c\ub85c \ud655\uc778\ud558\ub294 \uc2b5\uad00\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.\n<\/p>\n\n\uc790\uc2e0\uc758 \uc7ac\ubb34 \uc0c1\ud0dc\ub97c \ud30c\uc545\ud558\uae30 \uc704\ud574\uc11c\ub294 \uc774\ub860\uc801\uc778 \uc774\ud574\ubfd0 \uc544\ub2c8\ub77c \uc2e4\uc81c \ud589\ub3d9\uc774 \ub4a4\ub530\ub77c\uc57c \ud569\ub2c8\ub2e4. \uc608\ucee8\ub300 \ub9e4\uc8fc \ud1a0\uc694\uc77c \uc544\uce68\uc5d0 30\ubd84\ub9cc \ud22c\uc790\ud574\uc11c \uc774\ubc88 \uc8fc\uc758 \uc18c\ube44 \ub0b4\uc5ed\uc744 \ub3cc\uc544\ubcf4\uace0, \uc801\uc790\ub098 \uacfc\uc18c\ube44\uac00 \uc788\uc5c8\ub2e4\uba74 \uc6d0\uc778\uc744 \ubd84\uc11d\ud558\ub294 \uc2b5\uad00\uc744 \ub4e4\uc774\ub294 \uac04\ub2e8\ud55c \ud589\ub3d9\ub9cc\uc73c\ub85c\ub3c4 \ud070 \ubcc0\ud654\ub97c \ub9cc\ub4e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \ub2e4\uc74c \uc8fc\uc5d0\ub294 \ubd88\ud544\uc694\ud55c \uc9c0\ucd9c\uc744 \uc904\uc774\uace0, \ub0a8\uc740 \uc7ac\uc6d0\uc744 \uc800\ucd95\uc774\ub098 \ud22c\uc790\uc5d0 \ub3cc\ub9b4 \uc218 \uc788\uac8c \ub429\ub2c8\ub2e4. \uc774\ub807\uac8c \uc18c\uc18c\ud55c \uc2b5\uad00\uc744 \uc9c0\ud0a4\ub294 \uac83\uc774 \uc7a5\uae30\uc801 \uc7ac\ubb34 \uac74\uc804\uc131\uc744 \ub192\uc774\ub294 \uac00\uc7a5 \ud655\uc2e4\ud55c \ubc29\ubc95\uc785\ub2c8\ub2e4.\n<\/p>\n\n\ub530\ub77c\uc11c \uccab \ubc88\uc9f8 \ub2e8\uacc4\uc5d0\uc11c \uc2a4\uc2a4\ub85c\uc5d0\uac8c \u2018\ub098\ub294 \uc9c0\uae08 \uc5bc\ub9c8\ub098 \uc548\uc815\uc801\uc778 \uc7ac\ubb34 \ud658\uacbd\uc5d0\uc11c \uc0dd\ud65c\ud558\uace0 \uc788\ub294\uac00?\u2019, ‘\ubc14\ub78c\uc9c1\ud55c \uc7ac\ubb34 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud558\uae30 \uc704\ud574\uc11c\ub294 \ud604\uc7ac \uc5b4\ub5a4 \uc810\uc744 \uac1c\uc120\ud574\uc57c \ud558\ub294\uac00?’\uc640 \uac19\uc740 \uc9c8\ubb38\uc744 \ub04a\uc784\uc5c6\uc774 \ub358\uc9c0\uace0, \uc774\uc5d0 \ub300\ud55c \ub2f5\uc744 \uc218\uce58\uc640 \uc9c0\ud45c\ub85c \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub7f0 \uc790\uae30 \uc9c4\ub2e8 \uacfc\uc815\uc744 \uac70\uce58\uba74, \ub9c9\uc5f0\ud55c \ubd88\uc548\uac10 \ud639\uc740 \ub9c9\uc5f0\ud55c \ub099\uad00 \ub300\uc2e0 \uc2e4\uc9c8\uc801\uc778 \ud574\uacb0\ucc45\uc744 \ubaa8\uc0c9\ud558\ub294 \ubc29\ud5a5\uc73c\ub85c \uc0ac\uace0\ubc29\uc2dd\uc774 \uc804\ud658\ub420 \uac83\uc785\ub2c8\ub2e4.\n<\/p>\n\n\uacb0\uad6d \uc7ac\ubb34 \uac74\uc804\uc131 \ud30c\uc545\uc758 \uae30\ucd08\ub294 \uc790\uc2e0\uc758 \uc790\uc0b0\uacfc \ubd80\ucc44\ub97c \uc815\ud655\ud788 \uce21\uc815\ud558\uace0, \uc774\ub97c \uc720\uc9c0\u00b7\uac1c\uc120\uc2dc\ud0a4\ub294 \uae30\ud2c0\uc744 \ub9c8\ub828\ud558\ub294 \ub370\uc5d0 \uc788\uc2b5\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774\uae30 \ub54c\ubb38\uc5d0 \uc0c1\ub300\uc801\uc73c\ub85c \uc790\uc0b0 \uaddc\ubaa8\uac00 \uc791\ub2e4\uace0 \ud574\uc11c \uae30\uc8fd\uc744 \ud544\uc694\ub3c4 \uc5c6\uc73c\uba70, \uc624\ud788\ub824 \uc9c0\uae08\uc774 \uc7ac\ubb34 \uc2b5\uad00\uc744 \ub9cc\ub4e4\uc5b4\uac00\ub294 \uace8\ub4e0\ud0c0\uc784\uc785\ub2c8\ub2e4. \uc791\uc740 \uae08\uc561\uc774\ub77c\ub3c4 \uafb8\uc900\ud788 \uad00\ub9ac\ud558\uace0, \ud544\uc694\ud560 \ub54c \ub300\ucd9c\uc774\ub098 \uc2e0\uc6a9\uce74\ub4dc\ub97c \ud604\uba85\ud558\uac8c \uc0ac\uc6a9\ud558\ub294 \ubc95\uc744 \ubc30\uc6b4\ub2e4\uba74 \uc55e\uc73c\ub85c\uc758 \uacbd\uc81c\uc801 \uc0b6\uc774 \ud55c\uce35 \uc548\uc815\ub420 \uac83\uc785\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774\ub77c\uba74 \ub204\uad6c\ub098 \ud55c \ubc88\ucbe4 \uac70\uccd0\uc57c \ud558\ub294 \uc774 \ud544\uc218 \uacfc\uc815\uc5d0\uc11c, \uc62c\ubc14\ub978 \uc2b5\uad00\uacfc \ub9c8\uc778\ub4dc\ub97c \uac16\ucd94\ub294 \uac83\uc774 \uc55e\uc73c\ub85c \uc774\uc5b4\uc9c8 \uc7ac\ud14c\ud06c, \ud22c\uc790, \uc7a5\uae30\uc801 \uae08\uc735 \uacc4\ud68d \uc218\ub9bd\uc5d0 \ub2e8\ub2e8\ud55c \uae30\ubc18\uc73c\ub85c \uc791\uc6a9\ud560 \uac83\uc785\ub2c8\ub2e4.\n<\/p>\n<\/p>\n<\/p>\n<h2 id=\"%ec%84%b9%ec%85%98-2-%ec%a7%80%ec%b6%9c-%ea%b4%80%eb%a6%ac%ec%99%80-%ec%98%88%ec%82%b0-%ed%8e%b8%ec%84%b1-qPzkSKWIpN\">\uc139\uc158 2: \uc9c0\ucd9c \uad00\ub9ac\uc640 \uc608\uc0b0 \ud3b8\uc131<\/h2>\n\n\uc55e\uc11c \uc7ac\ubb34 \uac74\uc804\uc131\uc744 \ud30c\uc545\ud558\uace0 \ub098\uba74, \uadf8 \ub2e4\uc74c\uc73c\ub85c \uc911\uc694\ud55c \ubd80\ubd84\uc740 \ub9e4\uc6d4 \ub610\ub294 \ub9e4\ub144\uc758 \uc608\uc0b0 \ud3b8\uc131\uacfc \uc9c0\ucd9c \uad00\ub9ac\ub97c \uccb4\uacc4\uc801\uc73c\ub85c \uc218\ud589\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uc774\uc81c \ub9c9 \uc0ac\ud68c\uc0dd\ud65c\uc744 \uc2dc\uc791\ud558\ub294 \ub2e8\uacc4\uc5d0\uc11c\ub294 \uc77c\uc815\ud55c \uc6d4\uae09 \uc218\uc785\uc774 \uc0dd\uae30\uc9c0\ub9cc, \uc774 \uc218\uc785\uc744 \uc5b4\ub5bb\uac8c \ubc30\ubd84\ud558\ub290\ub0d0\uc5d0 \ub530\ub77c \uc7ac\ubb34 \uc0c1\ud0dc\uac00 \ud06c\uac8c \uac08\ub9bd\ub2c8\ub2e4. \ud2b9\ud788 \uc790\uae30\uacc4\ubc1c\ube44, \uc2dd\ube44, \ud1b5\uc2e0\ube44 \ub4f1 \ub9e4\ub2ec \uace0\uc815\uc801\uc73c\ub85c \ub098\uac00\ub294 \uc9c0\ucd9c \ud56d\ubaa9\uacfc \uc608\uce21\ud558\uae30 \uc5b4\ub824\uc6b4 \uac11\uc791\uc2a4\ub7ec\uc6b4 \uc9c0\ucd9c \ud56d\ubaa9\uc744 \ub3d9\uc2dc\uc5d0 \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub97c \uc704\ud574 \uad6c\uccb4\uc801\uc778 \uc608\uc0b0 \ud3b8\uc131 \uc804\ub7b5\uc744 \uc138\uc6cc\ub450\uba74, \ubd88\ud544\uc694\ud55c \uc9c0\ucd9c\uc744 \uc0ac\uc804\uc5d0 \ucc28\ub2e8\ud558\uace0 \uaf2d \ud544\uc694\ud55c \ud56d\ubaa9\uc5d0 \uc9d1\uc911\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n<\/p>\n\n\uc608\uc0b0 \ud3b8\uc131\uc758 \uae30\ubcf8 \uc6d0\ub9ac\ub294 \uc218\uc785\uc5d0\uc11c \uac00\uc7a5 \uc911\uc694\ud55c \uc601\uc5ed\uc778 \u2018\uc800\ucd95\u00b7\ud22c\uc790\u00b7\ube44\uc0c1\uae08\u2019\uc744 \uba3c\uc800 \ub5bc\uc5b4\ub193\uace0, \ub0a8\uc740 \uae08\uc561\uc73c\ub85c \uc0dd\ud65c\ube44\uc640 \uae30\ud0c0 \uc18c\ube44\ub97c \uc6b4\uc601\ud558\ub294 \ubc29\uc2dd\uc785\ub2c8\ub2e4. \ud754\ud788 \uc774\ub97c \u2018Pay Yourself First\u2019 \uc6d0\uce59\uc774\ub77c\uace0\ub3c4 \ubd80\ub974\uba70, \ud55c \ub2ec\uc5d0 200\ub9cc \uc6d0\uc744 \ubc88\ub2e4\uace0 \uac00\uc815\ud560 \ub54c \uc800\ucd95\uacfc \ud22c\uc790\ub97c 10%\uc529, \ube44\uc0c1\uae08 \uc801\ub9bd\uc744 5%\ub85c \uc7a1\ub294 \ub4f1 \uc790\uc2e0\ub9cc\uc758 \ube44\uc728\uc744 \uc120\uc815\ud574 \ud574\ub2f9 \uae08\uc561\uc744 \ubcc4\ub3c4 \uacc4\uc88c\ub85c \uc790\ub3d9\uc774\uccb4 \uc124\uc815\ud574\ub450\ub294 \ubc29\ubc95\uc774 \uc608\uc785\ub2c8\ub2e4. \uc774\ub807\uac8c \ud574\ub450\uba74 \uae09\uc5ec\uac00 \ub4e4\uc5b4\uc624\ub294 \uc989\uc2dc \uc790\ub3d9\uc73c\ub85c \ud544\uc694\ud55c \uc7ac\ubb34 \ud56d\ubaa9\uc774 \ucc44\uc6cc\uc9c0\uae30 \ub54c\ubb38\uc5d0, \ub2ec\ub9c8\ub2e4 \uacc4\ud68d \uc5c6\uc774 \uce74\ub4dc\ub97c \uc4f0\uace0 \ub0a8\ub294 \uae08\uc561\uc73c\ub85c \uc800\ucd95\ud558\ub824\ub2e4 \uc2e4\ud328\ud558\ub294 \uc0ac\ud0dc\ub97c \ud6e8\uc52c \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n<\/p>\n\n\ud2b9\ud788 \uc608\uc0b0\uc744 \uc138\uc6b8 \ub54c \uaf2d \uace0\ub824\ud574\uc57c \ud560 \uc0ac\ud56d \uc911 \ud558\ub098\uac00 \u2018\uc6d4\uac04 \uace0\uc815\uc9c0\ucd9c\u2019\uc785\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uba74 \uc6d4\uc138, \uad00\ub9ac\ube44, \uad50\ud1b5\ube44\uc640 \uac19\uc740 \ud56d\ubaa9\uc740 \ub9e4\uc6d4 \ud070 \ubcc0\ub3d9 \uc5c6\uc774 \ubc18\ubcf5\ud574\uc11c \uc9c0\ucd9c\ub418\ub294 \uacbd\ud5a5\uc774 \uc788\uc73c\ubbc0\ub85c, \uc774\ub97c \ucd5c\ub300\ud55c \uc808\uc57d\ud560 \uc218 \uc788\ub294 \ubc29\uc548\uc744 \ubaa8\uc0c9\ud574\uc57c \ud569\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774\ub77c\uba74 \uc6d4\uc138\ub97c \uc870\uae08 \uc800\ub834\ud55c \uc6d0\ub8f8\uc73c\ub85c \uc62e\uae34\ub2e4\ub4e0\uc9c0, \ub300\uc911\uad50\ud1b5 \uc774\uc6a9\uc744 \uc801\uadf9\uc801\uc73c\ub85c \ud65c\uc6a9\ud574 \uad50\ud1b5\ube44\ub97c \uc77c\ubd80 \uc904\uc774\ub294 \ub4f1 \uc9c0\ucd9c \uc808\uac10\uc758 \ud3ed\uc744 \ub113\ud790 \uc218 \uc788\ub294 \uc804\ub7b5\uc5d0 \uc9d1\uc911\ud560 \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c\ub85c \ud1b5\uacc4\uccad\uc758 \uac00\uacc4\ub3d9\ud5a5\uc870\uc0ac\uc5d0 \ub530\ub974\uba74, 2023\ub144 \uc0c1\ubc18\uae30\uc5d0 1\uc778 \uac00\uad6c\uc758 \uc6d4\ud3c9\uade0 \uc8fc\uac70\ube44\uac00 \uc804\ub144 \ub300\ube44 5% \uc774\uc0c1 \uc99d\uac00\ud588\uace0, \uad50\ud1b5\ube44 \ub610\ud55c \uc11d\uc720\ub958 \uac00\uaca9\uc5d0 \ub530\ub77c \uc720\ub3d9\uc801\uc73c\ub85c \ubcc0\ub3d9\ud558\ub294 \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4. \uc774\ub7f0 \uc2dc\uc810\uc77c\uc218\ub85d \ube44\uc6a9\uc744 \uc904\uc77c \uc218 \uc788\ub294 \uc5ec\uc9c0\ub97c \ucc3e\ub294 \uac83\uc774 \uc7ac\ubb34 \uc548\uc815\uc131\uc744 \ub192\uc774\ub294 \ub370 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.\n<\/p>\n\n\ucd94\uac00\ub85c, \uc9c0\ucd9c\uc744 \uacc4\ud68d\ud560 \ub54c \ub9e4\ub2ec \uc0ac\uc6a9\ud558\uace0 \uc788\ub294 \uad6c\ub3c5 \uc11c\ube44\uc2a4(OTT, \uc74c\uc545 \uc2a4\ud2b8\ub9ac\ubc0d, \uc804\uc790\ucc45 \uad6c\ub3c5 \ub4f1)\ub098 \ud734\ub300\ud3f0 \uc694\uae08\uc81c\uc758 \ube44\uc6a9\uc744 \uc7ac\ud3c9\uac00\ud574\ubcf4\ub294 \uc2b5\uad00\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc774 \ud3b8\uc758\uc131 \ub54c\ubb38\uc5d0 \ubb34\ubd84\ubcc4\ud558\uac8c \uac00\uc785\ud55c \uc5ec\ub7ec \uad6c\ub3c5 \uc11c\ube44\uc2a4\uc758 \ub204\uc801 \ube44\uc6a9\uc740 \uc758\uc678\ub85c \ud070 \uc9c0\ucd9c\uc744 \uc57c\uae30\ud569\ub2c8\ub2e4. \uc2e4\uc81c\ub85c \uad6d\ub0b4 \ud55c \uc870\uc0ac\uae30\uad00\uc774 \ubc1c\ud45c\ud55c \uc790\ub8cc\uc5d0 \ub530\ub974\uba74, 20\ub300 1\uc778 \uac00\uad6c\uc758 \uc6d4\ud3c9\uade0 OTT \uad6c\ub3c5\ub8cc\uac00 2~3\uac1c \uc11c\ube44\uc2a4 \ud569\uc0b0 \uc2dc 2\ub9cc~3\ub9cc \uc6d0\uc5d0 \ub2ec\ud558\uace0, \uc74c\uc545\u00b7\uc804\uc790\ucc45 \ub4f1 \ub2e4\ub978 \uc11c\ube44\uc2a4\uae4c\uc9c0 \ud569\uce58\uba74 \ubd84\uae30\ub2f9 15\ub9cc \uc6d0 \uc774\uc0c1\uc758 \ucd94\uac00 \ube44\uc6a9\uc774 \ud22c\uc785\ub418\ub294 \uacbd\uc6b0\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7f0 \uacbd\uc6b0 \ubcf8\uc778\uc774 \uc2e4\uc81c\ub85c \uc0ac\uc6a9\ud558\ub294 \uc11c\ube44\uc2a4\uc778\uc9c0 \uc544\ub2cc\uc9c0 \uaf3c\uaf3c\ud788 \uc810\uac80\ud574\uac00\uba70 \ubd88\ud544\uc694\ud55c \uc9c0\ucd9c\uc744 \uc5c6\uc560\ub294 \uac83\uc774 \ud604\uba85\ud569\ub2c8\ub2e4.\n<\/p>\n\n\ubcf4\ub2e4 \uad6c\uccb4\uc801\uc778 \uc608\uc0b0 \ud3b8\uc131\uc744 \uc704\ud574\uc11c\ub294 \uac00\uacc4\ubd80\uc5d0 \ucd1d \uc138 \uac00\uc9c0 \uce74\ud14c\uace0\ub9ac\ub97c \ub098\ub220\ubcf4\ub294 \ubc29\ubc95\uc774 \uc720\uc6a9\ud569\ub2c8\ub2e4. \uccab \ubc88\uc9f8\ub294 \u2018\ud544\uc218 \uc9c0\ucd9c\u2019\ub85c, \uc8fc\uac70\ube44\u00b7\uc2dd\ube44\u00b7\uad50\ud1b5\ube44\u00b7\ud1b5\uc2e0\ube44\ucc98\ub7fc \uc0dd\ud65c\uc744 \uc720\uc9c0\ud558\uae30 \uc704\ud574 \uaf2d \ud544\uc694\ud55c \ube44\uc6a9\uc785\ub2c8\ub2e4. \ub450 \ubc88\uc9f8\ub294 \u2018\uc720\uc5f0 \uc9c0\ucd9c\u2019\ub85c, \uc790\uae30\uacc4\ubc1c\ube44\ub098 \ucde8\ubbf8\ud65c\ub3d9\ube44, \ubb38\ud654\uc0dd\ud65c\ube44\ucc98\ub7fc \uc77c\uc815 \ubd80\ubd84 \uc870\uc808\uc774 \uac00\ub2a5\ud55c \uc601\uc5ed\uc785\ub2c8\ub2e4. \uc138 \ubc88\uc9f8\ub294 \u2018\uc0ac\uce58\/\uae30\ud638 \uc9c0\ucd9c\u2019\ub85c, \ub2f9\uc7a5 \uc5c6\uc5b4\ub3c4 \ubb34\ubc29\ud558\uc9c0\ub9cc \uac1c\uc778\uc801 \uc990\uac70\uc6c0\uc744 \uc704\ud574 \uc9c0\ucd9c\ud558\ub294 \ud56d\ubaa9\ub4e4\uc785\ub2c8\ub2e4. \uc774\ub807\uac8c \ubc94\uc8fc\ub97c \ub098\ub204\uba74 \uac01\uac01\uc758 \uc9c0\ucd9c \ud55c\ub3c4\ub97c \ub530\ub85c \uc124\uc815\ud560 \uc218 \uc788\uace0, \ud55c \ub2ec\uc774 \ub05d\ub098\uba74 \uc608\uc0b0 \ub300\ube44 \uc2e4\uc81c \uc9c0\ucd9c\uc561\uc744 \ube44\uad50\ud574 \uc870\uc815\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n<\/p>\n\n\uc608\uc0b0\uc744 \uad6c\uccb4\uc801\uc73c\ub85c \uc138\uc6b0\uba74\uc11c\ub3c4, \uc774 \uacc4\ud68d\uc774 \uc2e4\uc81c \ud604\uc2e4\uacfc \ub9de\ubb3c\ub824 \ub3cc\uc544\uac00\ub294\uc9c0 \ud655\uc778\ud558\uae30 \uc704\ud574 \u2018\uc8fc\uac04 \uc810\uac80\u2019 \uc2dc\uac04\uc744 \uac16\ub294 \uac83\uc774 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \uc608\ucee8\ub300 \ub9e4\uc8fc \uc77c\uc694\uc77c \uc800\ub141\uc5d0 15\ubd84 \uc815\ub3c4\ub97c \ub4e4\uc5ec \uadf8 \uc8fc\uc5d0 \ubc1c\uc0dd\ud55c \uc8fc\uc694 \uc9c0\ucd9c \ud56d\ubaa9\uc744 \uc815\ub9ac\ud558\uace0, \uc608\uc0b0\uc5d0\uc11c \ucd08\uacfc\ub41c \ubd80\ubd84\uc774 \uc5c6\ub294\uc9c0 \ud639\uc740 \ub0a8\uc740 \uc5ec\uc720\ubd84\uc774 \uc788\ub294\uc9c0\ub97c \ud655\uc778\ud569\ub2c8\ub2e4. \uc774\ub807\uac8c \uc791\uac8c\ub77c\ub3c4 \uc8fc\uae30\uc801\uc778 \uc810\uac80\uc744 \ud558\uba74, \uc608\uc0b0 \uacc4\ud68d\uc774 \ud604\uc2e4\uacfc \ub3d9\ub5a8\uc5b4\uc9c0\uc9c0 \uc54a\uac8c \uc870\uc815\ud560 \uc218 \uc788\uace0, \uacc4\ud68d\ub41c \uc9c0\ucd9c \ubc94\uc704 \ub0b4\uc5d0\uc11c \uc0dd\ud65c\ud558\ub294 \uc2b5\uad00\uc744 \uccb4\ub4dd\ud558\uac8c \ub429\ub2c8\ub2e4.\n<\/p>\n\n\uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \uc608\uc0b0 \ud3b8\uc131\uc744 \uc5b4\ub835\uac8c \ub290\ub07c\ub294 \uac00\uc7a5 \ud070 \uc774\uc720\ub294 \u2018\uc218\uc785\uc758 \ud55c\uacc4\u2019\uc640 \u2018\ub0ae\uc740 \uac00\ucc98\ubd84 \uc18c\ub4dd\u2019\uc5d0 \uc788\uc2b5\ub2c8\ub2e4. \uc2e0\uc785\uc0ac\uc6d0\uc758 \uacbd\uc6b0 \ud3c9\uade0 \uc5f0\ubd09\uc774 \ub192\uc9c0 \uc54a\uace0, \uc138\uae08\uacfc 4\ub300 \ubcf4\ud5d8, \uadf8\ub9ac\uace0 \uac01\uc885 \uacf5\uc81c \ud56d\ubaa9\uae4c\uc9c0 \uc81c\ud558\uace0 \ub098\uba74 \uc2e4\uc81c\ub85c \uc190\uc5d0 \uc950\uac8c \ub418\ub294 \uae08\uc561\uc740 \uc608\uc0c1\ubcf4\ub2e4 \ud6e8\uc52c \uc801\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uadf8\ub807\ub2e4\uace0 \ud574\uc11c \uc608\uc0b0 \ud3b8\uc131\uacfc \uc9c0\ucd9c \uad00\ub9ac\uac00 \ubd88\uac00\ub2a5\ud55c \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. \uc624\ud788\ub824 \uc774\ub7f0 \uc81c\ud55c\ub41c \uc7ac\uc6d0\uc744 \uc5b4\ub5bb\uac8c \ud6a8\uc728\uc801\uc73c\ub85c \ubc30\ubd84\ud558\ub290\ub0d0\uac00 \uc0ac\ud68c \ucd08\ub144\uc0dd \uc7ac\ubb34 \uad00\ub9ac\uc758 \ud575\uc2ec \uacfc\uc81c\ub77c\uace0 \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n<\/p>\n\n\ub9cc\uc57d \uc9c0\ucd9c \ud56d\ubaa9\uc5d0\uc11c \uc27d\uac8c \uc904\uc774\uae30 \uc5b4\ub824\uc6b4 \ubd80\ubd84\uc774 \uc788\ub2e4\uba74, \uc544\ub974\ubc14\uc774\ud2b8\ub098 \ubd80\uc5c5 \ub4f1\uc744 \ud1b5\ud574 \ucd94\uac00 \uc218\uc785\uc744 \ud655\ubcf4\ud558\ub294 \ubc29\uc548\ub3c4 \uace0\ub824\ud574\ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubb3c\ub860 \uc57c\uadfc\uc774 \uc7a6\uc740 \uc9c1\uc885\uc774\ub77c\uba74 \uc27d\uc9c0 \uc54a\uc744 \uc218 \uc788\uc9c0\ub9cc, \uc7ac\ud0dd\uadfc\ubb34\uac00 \ub298\uc5b4\ub098\uba74\uc11c \uc778\ud130\ub137 \uc1fc\ud551\ubab0 \uc6b4\uc601, SNS \ucf58\ud150\uce20 \uc81c\uc791, \uc6d0\uaca9 \uac15\uc758 \ub4f1 \ub2e4\uc591\ud55c \ud615\ud0dc\uc758 \ubd80\uc5c5\uc774 \uc0dd\uaca8\ub098\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c\ub85c 2023\ub144 \uc815\ubd80 \ud1b5\uacc4\uc5d0 \ub530\ub974\uba74, MZ\uc138\ub300\uc758 30% \uc774\uc0c1\uc774 \ubcf8\uc5c5 \uc678\uc5d0 \ucd94\uac00\uc801\uc778 \uc218\uc785\uc6d0\uc744 \ub9c8\ub828\ud558\uace0 \uc788\ub2e4\ub294 \uc870\uc0ac\uacb0\uacfc\uac00 \ub098\uc624\uae30\ub3c4 \ud588\uc2b5\ub2c8\ub2e4. \uc774\ub7f0 \uc218\uc785 \ub2e4\uac01\ud654 \ub178\ub825\uc740 \uc9c0\ucd9c \uad00\ub9ac\uc758 \uc2a4\ud2b8\ub808\uc2a4\ub97c \uc5b4\ub290 \uc815\ub3c4 \ud574\uc18c\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.\n<\/p>\n\n\ucd94\uac00\ub85c, \uc9c0\ucd9c\uc744 \uc904\uc774\ub294 \uac83\uc5d0\ub9cc \uc9d1\uc911\ud558\uae30\ubcf4\ub2e4\ub294 \u2018\uac00\uce58 \uc18c\ube44\u2019\uc5d0 \ucd08\uc810\uc744 \ub9de\ucd94\ub294 \uac83\ub3c4 \uc911\uc694\ud569\ub2c8\ub2e4. \uc608\uc0b0 \ud3b8\uc131\uc744 \ud1b5\ud574 \uc9c0\ucd9c\uc744 \ucd5c\uc18c\ud654\ud558\ub294 \uac83\uc774 \uc544\ub2c8\ub77c, \uc815\ub9d0 \ubcf8\uc778\uc5d0\uac8c \uc758\ubbf8 \uc788\uace0 \uac00\uce58 \uc788\ub294 \uacf3\uc5d0 \ub3c8\uc744 \uc4f0\ub294 \uc2b5\uad00\uc744 \ub4e4\uc774\ub824\ub294 \uac83\uc785\ub2c8\ub2e4. \uc608\ucee8\ub300, \uc790\uae30\uacc4\ubc1c\uc744 \uc704\ud574 \ub3c4\uc11c \uad6c\uc785\uc774\ub098 \uc628\ub77c\uc778 \uac15\uc758\ub97c \ub4e3\ub294 \uac83\uc740 \ubbf8\ub798 \uac00\uce58 \ucc3d\ucd9c\uc5d0 \ub3c4\uc6c0\uc774 \ub418\uace0, \ubc18\ub300\ub85c \uc7a0\uae50\uc758 \uae30\uc068\uc744 \uc704\ud55c \uc9c0\ub098\uce5c \uc1fc\ud551\uc740 \uac00\uce58\uac00 \ub5a8\uc5b4\uc9c0\ub294 \uc18c\ube44\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub807\uac8c \uac01 \uc9c0\ucd9c \ud56d\ubaa9\uc744 \u2018\ud544\uc694\ud55c \uc9c0\ucd9c\uc778\uac00? \ud639\uc740 \uac00\uce58 \uc788\ub294 \ud22c\uc790\uc778\uac00?\u2019\ub77c\ub294 \uae30\uc900\uc73c\ub85c \uc810\uac80\ud558\uba74, \uc790\uc5f0\uc2a4\ub7fd\uac8c \uc608\uc0b0 \uacc4\ud68d\uacfc \uc2e4\ucc9c\uc774 \uc815\ub82c\ub429\ub2c8\ub2e4.\n<\/p>\n\n\uad81\uadf9\uc801\uc73c\ub85c \uc9c0\ucd9c \uad00\ub9ac\uc640 \uc608\uc0b0 \ud3b8\uc131\uc740 \ub2e8\uc21c\ud788 \ub3c8\uc744 \uc544\ub07c\ub294 \ud589\uc704\uac00 \uc544\ub2c8\ub77c, \uc790\uc2e0\uc758 \ub77c\uc774\ud504\uc2a4\ud0c0\uc77c\uacfc \ubbf8\ub798 \ubaa9\ud45c\ub97c \uad6c\uccb4\ud654\ud558\uace0, \uac70\uae30\uc5d0 \uc790\uc6d0\uc744 \ud6a8\uc728\uc801\uc73c\ub85c \ud560\ub2f9\ud558\ub294 \uacfc\uc815\uc785\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd \uc2dc\uae30\uc5d0 \uc774\ub7ec\ud55c \uc2b5\uad00\uc744 \ud655\ub9bd\ud574\ub450\uba74, \ud5a5\ud6c4 \ub354\uc6b1 \ub192\uc740 \uc18c\ub4dd\uc744 \uc5bb\uac70\ub098 \uac00\uc871\uc774 \ub298\uc5b4\ub098\ub294 \ub4f1\uc758 \uc778\uc0dd \ubcc0\ud654\uac00 \uc0dd\uaca8\ub3c4 \uc548\uc815\uc801\uc778 \uc7ac\ubb34 \uc6b4\uc601\uc774 \ud6e8\uc52c \uc218\uc6d4\ud574\uc9d1\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc218\uc785\uc774 \ube44\uad50\uc801 \uc801\ub2e4\uace0 \ud3ec\uae30\ud558\uae30\ubcf4\ub2e4\ub294, \uc791\uc740 \uc561\uc218\ub77c\ub3c4 \uc815\uc131\uc2a4\ub7fd\uac8c \uad00\ub9ac\ud574\ubcf4\ub294 \ud0dc\ub3c4\uac00 \uc7ac\ubb34 \uac74\uc804\uc131\uc740 \ubb3c\ub860\uc774\uace0 \uac1c\uc778\uc801 \uc0b6\uc758 \ub9cc\uc871\ub3c4\uae4c\uc9c0 \ub192\uc5ec\uc904 \uac83\uc785\ub2c8\ub2e4.\n<\/p>\n<\/p>\n<\/p>\n<h2 id=\"%ec%84%b9%ec%85%98-3-%ed%88%ac%ec%9e%90-%ea%b8%b0%ec%b4%88%ec%99%80-%ec%b5%9c%ea%b7%bc-%eb%8f%99%ed%96%a5-qPzkSKWIpN\">\uc139\uc158 3: \ud22c\uc790 \uae30\ucd08\uc640 \ucd5c\uadfc \ub3d9\ud5a5<\/h2>\n\n\uc0ac\ud68c \ucd08\ub144\uc0dd\uc758 \uc7ac\ubb34 \uad00\ub9ac\uc5d0\uc11c \ube7c\ub193\uc744 \uc218 \uc5c6\ub294 \uc601\uc5ed\uc740 \ubc14\ub85c \u2018\ud22c\uc790\u2019\uc785\ub2c8\ub2e4. \ub9c9\uc0c1 \ud22c\uc790\ub77c\ub294 \ub2e8\uc5b4\ub97c \ub4e3\uc73c\uba74, \uc8fc\uc2dd, \ubd80\ub3d9\uc0b0, \uc554\ud638\ud654\ud3d0 \ub4f1 \uac01\uc885 \uae08\uc735\uc0c1\ud488\uc774 \ub5a0\uc624\ub974\uc9c0\ub9cc, \uc2e4\uc81c\ub85c \uc5b4\ub5bb\uac8c \ud22c\uc790 \uacc4\ud68d\uc744 \uc138\uc6cc\uc57c \ud560\uc9c0 \ub9c9\uc5f0\ud558\uac8c \ub290\ub07c\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \ucd5c\uadfc \uae00\ub85c\ubc8c \uacbd\uc81c \uc0c1\ud669\uc774 \uae09\ubcc0\ud558\uace0, 2023\ub144 \ub4e4\uc5b4 \uc778\ud50c\ub808\uc774\uc158\uacfc \uae08\ub9ac \uc778\uc0c1\uc758 \uc5ec\ud30c\uac00 \ubcf8\uaca9\ud654\ub428\uc5d0 \ub530\ub77c \ud22c\uc790 \ud658\uacbd\uc774 \ub9e4\uc6b0 \uc720\ub3d9\uc801\uc73c\ub85c \ubc14\ub00c\uace0 \uc788\ub2e4\ub294 \uc810\uc744 \uc720\uc758\ud574\uc57c \ud569\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774\ub77c\uba74 \uc548\uc815\uc801\uc778 \ud22c\uc790\uc640 \uace0\uc704\ud5d8 \uace0\uc218\uc775 \ud22c\uc790\ub97c \uc801\uc808\ud788 \ud63c\ud569\ud558\ub418, \uc790\uc2e0\uc758 \uc704\ud5d8 \uac10\ub0b4\ub3c4(risk tolerance)\uc5d0 \ub9de\ucdb0 \uc2dc\uc791\ud558\ub294 \uac83\uc774 \ubc14\ub78c\uc9c1\ud569\ub2c8\ub2e4.\n<\/p>\n\n\ud22c\uc790\ub97c \uc2dc\uc791\ud558\uae30 \uc804\uc5d0 \uc54c\uc544\uc57c \ud560 \uccab \ubc88\uc9f8 \uac1c\ub150\uc740 \ubc14\ub85c \u2018\ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ubd84\uc0b0\u2019\uc785\ub2c8\ub2e4. \ubaa8\ub4e0 \uc790\uae08\uc744 \uc8fc\uc2dd \ud55c \uc885\ubaa9\uc774\ub098 \ud2b9\uc815 \uc790\uc0b0\uc5d0 \ubab0\ube75\ud558\ub294 \ubc29\uc2dd\uc740 \uc704\ud5d8\uc774 \ub108\ubb34 \ud07d\ub2c8\ub2e4. \uc65c\ub0d0\ud558\uba74, \ud574\ub2f9 \uc885\ubaa9\uc774\ub098 \uc790\uc0b0\uc758 \uac00\uaca9\uc774 \uae09\ub77d\ud560 \uacbd\uc6b0 \uc804\uccb4 \uc7ac\ubb34 \uc0c1\ud0dc\uac00 \uc704\ud611\ubc1b\uc744 \uc218 \uc788\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \uc774\uc5d0 \ubc18\ud574, \uc5ec\ub7ec \uc885\ubaa9\uc774\ub098 \ub2e4\uc591\ud55c \uc790\uc0b0\uc5d0 \ubd84\uc0b0 \ud22c\uc790\ud558\uba74 \uac1c\ubcc4 \uc790\uc0b0\uc758 \ubcc0\ub3d9\uc774 \uc804\uccb4 \ud22c\uc790\uae08\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc744 \uc644\ud654\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ucee8\ub300 \ucd5c\uc18c\ud55c 3\uac1c \uc774\uc0c1\uc758 \uc790\uc0b0\uad70(\uad6d\ub0b4 \uc8fc\uc2dd, \ud574\uc678 \uc8fc\uc2dd, \ucc44\uad8c, \uae08, \ubd80\ub3d9\uc0b0 \ub4f1)\uc5d0 \uac78\uccd0 \ud22c\uc790 \ube44\uc911\uc744 \ub098\ub204\ub294 \uc2dd\uc73c\ub85c \uc6b4\uc6a9\ud558\uba74, \ud2b9\uc815 \uc2dc\uc7a5\uc774 \uc545\ud654\ub418\uc5b4\ub3c4 \ub2e4\ub978 \uc2dc\uc7a5\uc758 \uc0c1\uc2b9\uc774\ub098 \uc548\uc804\uc790\uc0b0 \ub355\ubd84\uc5d0 \uc190\uc2e4\ud3ed\uc774 \uc904\uc5b4\ub4ed\ub2c8\ub2e4.\n<\/p>\n\n\ucd5c\uadfc \ub3d9\ud5a5\uc744 \uc0b4\ud3b4\ubcf4\uba74, 2023\ub144 \ub4e4\uc5b4 \uad6d\ub0b4\uc678 \uc8fc\uc2dd\uc2dc\uc7a5\uc774 \ub192\uc740 \ubcc0\ub3d9\uc131\uc744 \ubcf4\uc774\ub294 \ub3d9\uc2dc\uc5d0, \ucc44\uad8c\uae08\ub9ac\uac00 \uc0c1\uc2b9\ud568\uc5d0 \ub530\ub77c \ucc44\uad8c \ud22c\uc790\uc5d0 \ub300\ud55c \uac1c\uc778\ud22c\uc790\uc790\uc758 \uad00\uc2ec\ub3c4 \ucee4\uc84c\uc2b5\ub2c8\ub2e4. \uacfc\uac70\uc5d0\ub294 \ucc44\uad8c \ud22c\uc790\uac00 \ud06c\uac8c \uc8fc\ubaa9\ubc1b\uc9c0 \ubabb\ud588\uc9c0\ub9cc, \uae08\ub9ac\uac00 \uac00\ud30c\ub974\uac8c \uc624\ub974\uba74\uc11c \ube44\uad50\uc801 \uc704\ud5d8\ub3c4\uac00 \ub0ae\uc740 \ucc44\uad8c \uc0c1\ud488(\uad6d\uacf5\ucc44, \ucc44\uad8c\ud615 ETF \ub4f1)\ub3c4 \ub9e4\ub825\uc801\uc778 \uc218\uc775\ub960\uc744 \uae30\ub300\ud560 \uc218 \uc788\uac8c \ub41c \uac83\uc785\ub2c8\ub2e4. \ub610\ud55c \uc131\uc7a5\uc8fc \uc704\uc8fc\uc758 \ud22c\uc790\uc5d0\uc11c \uac00\uce58\uc8fc\ub098 \ubc30\ub2f9\uc8fc\ub85c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \ub2e4\ubcc0\ud654\ud558\ub824\ub294 \ud750\ub984\ub3c4 \uad00\uce21\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774\ub77c\uba74 \uc774 \uac19\uc740 \ud22c\uc790 \ud2b8\ub80c\ub4dc\ub97c \uba74\ubc00\ud788 \uad00\ucc30\ud558\uace0, \uc790\uc2e0\uc758 \ud22c\uc790 \ubaa9\ud45c(\ub2e8\uae30\uc801 \uc774\uc775 \uc2e4\ud604 vs. \uc7a5\uae30\uc801 \uc790\uc0b0 \uc99d\uc2dd)\uc5d0 \ub530\ub77c \uc804\ub7b5\uc744 \ub2ec\ub9ac \uc138\uc6cc\ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n<\/p>\n\n\ud55c\ud3b8, \ubd80\ub3d9\uc0b0 \ud22c\uc790\ub3c4 \uc5ec\uc804\ud788 \ub9ce\uc740 \uad00\uc2ec\uc744 \ubc1b\uace0 \uc788\uc73c\ub098, \uc8fc\ud0dd \uac00\uaca9\uc774 \uae09\ub4f1\ud55c \uc9c0\uc5ed\uc774\ub098 \uc804\uc138\uac00\uc728\uc774 \ub0ae\uc544\uc9c4 \uc9c0\uc5ed \ub4f1 \ubd88\ud655\uc2e4\uc131\uc774 \ud070 \uc2dc\uc7a5\uc5d0\ub294 \uc2e0\uc911\ud558\uac8c \uc811\uadfc\ud574\uc57c \ud569\ub2c8\ub2e4. \ud2b9\ud788 \uccad\ub144\uc744 \ub300\uc0c1\uc73c\ub85c \ud55c \uc815\ubd80 \uc815\ucc45\uc774\ub098 \uac01\uc885 \ub300\ucd9c \uaddc\uc81c, \uc138\uae08 \uc815\ucc45\uc758 \ubcc0\ud654\uac00 \ubd80\ub3d9\uc0b0 \uc2dc\uc7a5\uc5d0 \ud070 \ud30c\uae09\ud6a8\uacfc\ub97c \ubbf8\uce58\ubbc0\ub85c, \ud574\ub2f9 \ubd80\ubd84\uc744 \uc219\uc9c0\ud558\uc9c0 \uc54a\uc740 \uc0c1\ud0dc\uc5d0\uc11c \ubb34\ub9ac\ud558\uac8c \ud22c\uc790\ud588\ub2e4\uac00\ub294 \ub0ad\ud328\ub97c \ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ucee8\ub300 \ub2e4\uac00\uad6c\uc8fc\ud0dd\uc5d0 \ud22c\uc790\ud558\ub824\uace0 \ud560 \uacbd\uc6b0, \uc804\uc138\uc790\uae08 \ub300\ucd9c\uacfc \ud568\uaed8 \uace7\ubc14\ub85c \uc138\uc785\uc790\ub97c \uad6c\ud558\uc9c0 \ubabb\ud558\uba74 \uacf5\uc2e4 \ub9ac\uc2a4\ud06c\uac00 \ubc1c\uc0dd\ud574 \ub9e4\ub2ec \uc774\uc790 \ubd80\ub2f4\uc774 \ub298\uc5b4\ub0a0 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\uc758 \uacbd\uc6b0, \uc790\ubcf8 \uc5ec\ub825\uc774 \ucda9\ubd84\uce58 \uc54a\ub2e4\uba74 \uc548\uc815\uc801\uc778 \uc6d4\uc138 \uc218\uc775 \ubaa8\ub378\uc774\ub098 \uccad\ub144 \uc804\uc6a9 \uc8fc\ud0dd \uccad\uc57d\uc81c\ub3c4\ub97c \uac80\ud1a0\ud558\ub294 \ud3b8\uc774 \uc548\uc804\ud558\uaca0\uc2b5\ub2c8\ub2e4.\n<\/p>\n\n\ub610 \ub2e4\ub978 \ub208\uc5ec\uaca8\ubcfc \ud22c\uc790 \uc601\uc5ed\uc73c\ub85c\ub294 \u2018ETF(\uc0c1\uc7a5\uc9c0\uc218\ud380\ub4dc)\u2019\uc640 \uac19\uc740 \uac04\uc811\ud22c\uc790 \uc0c1\ud488\uc744 \ub4e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. ETF\ub294 \ub2e4\uc591\ud55c \uc885\ubaa9\uc774\ub098 \uc790\uc0b0\uc744 \ud55c \ubc14\uad6c\ub2c8\uc5d0 \ub2f4\uc544 \uc9c0\uc218\ucc98\ub7fc \uc6b4\uc6a9\ud558\uae30 \ub54c\ubb38\uc5d0, \uac1c\ubcc4 \uc885\ubaa9 \uc120\ud0dd\uc758 \ubd80\ub2f4\uc774 \uc904\uc5b4\ub4dc\ub294 \uc7a5\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ucee8\ub300 \uad6d\ub0b4 \uc2dc\uc7a5\uc5d0\uc11c KOSPI200\uc744 \ucd94\uc885\ud558\ub294 ETF\ub098, \ud574\uc678 \uc2dc\uc7a5\uc5d0\uc11c S&P 500 \uc9c0\uc218\uc5d0 \ud22c\uc790\ud558\ub294 ETF\ub97c \ub9e4\uc218\ud558\uba74 \uc0c1\ub300\uc801\uc73c\ub85c \ubd84\uc0b0 \ud6a8\uacfc\uac00 \ucee4\uc838 \ucd08\ubcf4 \ud22c\uc790\uc790\ub3c4 \uc811\uadfc\ud558\uae30\uc5d0 \ub098\uc058\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uac8c\ub2e4\uac00 \uc77c\ubc18\uc801\uc73c\ub85c ETF\uc758 \uac70\ub798 \uc218\uc218\ub8cc\ub098 \ubcf4\uc218\uac00 \ub0ae\uc544, \uc7a5\uae30\uac04 \ubcf4\uc720\ud558\uae30\uc5d0\ub3c4 \uc801\ud569\ud569\ub2c8\ub2e4. \ub2e4\uc591\ud55c \ud14c\ub9c8\ud615 ETF(2\ucc28\uc804\uc9c0, \uba54\ud0c0\ubc84\uc2a4, \uce5c\ud658\uacbd\uc5d0\ub108\uc9c0 \ub4f1) \uc5ed\uc2dc \ub4f1\uc7a5\ud558\uace0 \uc788\uc5b4, \uc0ac\ud68c \ucd08\ub144\uc0dd\uc758 \ud765\ubbf8\ub97c \ub044\ub294 \ubd84\uc57c\uc5d0 \uc18c\uc561\ubd80\ud130 \uc2dc\uc791\ud574\ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n<\/p>\n\n\uc554\ud638\ud654\ud3d0\ub294 2021~2022\ub144\uc5d0 \ud3ed\ubc1c\uc801\uc778 \uc0c1\uc2b9\uacfc \uae09\ub77d\uc744 \ubaa8\ub450 \uacbd\ud5d8\ud558\uba74\uc11c, \uc2dc\uc7a5\uc758 \uadf9\ub2e8\uc801\uc778 \ubcc0\ub3d9\uc131\uc744 \ubcf4\uc5ec \uc8fc\uc5c8\uc2b5\ub2c8\ub2e4. \ud22c\uc790\uc790\ub4e4 \uc0ac\uc774\uc5d0\uc11c\ub294 \uc5ec\uc804\ud788 \u2018\ub514\uc9c0\ud138 \uc790\uc0b0\u2019\uc758 \ubbf8\ub798 \uac00\uce58\uc5d0 \ub300\ud574 \uae0d\uc815\uc801\uc778 \uc758\uacac\uacfc \ubd80\uc815\uc801\uc778 \uc758\uacac\uc774 \uadf9\uba85\ud788 \uac08\ub9bd\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \uc554\ud638\ud654\ud3d0 \uc2dc\uc7a5\uc5d0 \uc9c4\uc785\ud558\ub824\uba74, \ud574\ub2f9 \uc790\uc0b0 \ud2b9\uc720\uc758 \ubcc0\ub3d9\uc131\uacfc \uaddc\uc81c \ub9ac\uc2a4\ud06c\ub97c \ubc18\ub4dc\uc2dc \uc778\uc9c0\ud558\uace0 \uc788\uc5b4\uc57c \ud558\uba70, \uc804\uccb4 \ud22c\uc790\uc561\uc758 \uadf9\ud788 \uc77c\ubd80(\uc608: 5% \ubbf8\ub9cc)\ub9cc \ud560\ub2f9\ud558\ub294 \uc2dd\uc73c\ub85c \ubcf4\uc218\uc801\uc73c\ub85c \uc811\uadfc\ud558\ub294 \ud3b8\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \ube14\ub85d\uccb4\uc778 \uae30\uc220 \uc790\uccb4\ub294 \ubbf8\ub798 \uac00\uce58\uac00 \ub192\uc740 \ubd84\uc57c\uc77c\uc9c0 \ubaa8\ub974\uc9c0\ub9cc, \ub2e8 \ud0c0\uc774\ubc0d\uc744 \uc798\ubabb \ub9de\ucd94\uac70\ub098 \uacfc\ub300 \ud22c\uc790\ub97c \ud558\uba74 \uc911\ub300\ud55c \uc190\uc2e4\uc744 \uc785\uc744 \uc218 \uc788\ub2e4\ub294 \uc810\uc744 \uae30\uc5b5\ud574\uc57c \ud569\ub2c8\ub2e4.\n<\/p>\n\n\ud22c\uc790 \uc804\ub7b5\uc744 \uc218\ub9bd\ud560 \ub54c, \ubcf8\uc778\uc758 \uc131\ud5a5\uacfc \ub77c\uc774\ud504\uc2a4\ud0c0\uc77c\uc744 \uace0\ub824\ud558\ub294 \uac83\ub3c4 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. \uc608\ucee8\ub300 \ub9e4\uc77c\ub9e4\uc77c \uc8fc\uac00\ub098 \uacbd\uc81c \ub274\uc2a4\ub97c \ucc59\uaca8\ubcfc \uc2dc\uac04\uc774 \ucda9\ubd84\uce58 \uc54a\ub2e4\uba74, \uc801\ub9bd\uc2dd \ud380\ub4dc\ub098 ETF\uc640 \uac19\uc740 \uc7a5\uae30\ud22c\uc790 \uc0c1\ud488\uc5d0 \uc77c\uc815 \uae08\uc561\uc529 \uc790\ub3d9\uc774\uccb4\ud558\ub294 \ubc29\uc548\uc744 \uac80\ud1a0\ud574\ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\uba74, \uc8fc\uc2dd\uc774\ub098 \uc554\ud638\ud654\ud3d0 \uc2dc\uc7a5\uc758 \ud750\ub984\uc744 \ube60\ub974\uac8c \ud30c\uc545\ud558\uace0 \uc2dc\uc138 \ubcc0\ub3d9\uc5d0 \ub9de\ucdb0 \uc801\uadf9\uc801\uc73c\ub85c \ub9e4\ub9e4\ud560 \uc790\uc2e0\uc774 \uc788\ub2e4\uba74, \uc790\uc2e0\ub9cc\uc758 \ub2e8\ud0c0 \ud639\uc740 \uc2a4\uc719 \ud2b8\ub808\uc774\ub529 \uc804\ub7b5\uc744 \uc138\uc6cc\ubcfc \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \ub2e8, \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774\ub77c\uba74 \uc77c\ubc18\uc801\uc73c\ub85c \uc2dc\uac04\uc801\u00b7\uc2ec\ub9ac\uc801 \uc5ec\uc720\uac00 \ub109\ub109\uc9c0 \uc54a\uae30\uc5d0, \ub192\uc740 \ubcc0\ub3d9\uc131\uc774 \uc608\uc0c1\ub418\ub294 \uc885\ubaa9\uc5d0 \uacfc\ud558\uac8c \uc9d1\uc911\ud558\uae30\ubcf4\ub2e4\ub294 \uc7a5\uae30\uc801 \uad00\uc810\uc5d0\uc11c \uc811\uadfc\ud558\ub294 \uac83\uc774 \uc7ac\ubb34 \uc548\uc815\uc131 \ucc28\uc6d0\uc5d0\uc11c\ub3c4 \ubc14\ub78c\uc9c1\ud569\ub2c8\ub2e4.\n<\/p>\n\n\ud22c\uc790\uc131\uacfc\ub97c \ub192\uc774\ub824\uba74 \uc8fc\uc2dd, \ucc44\uad8c, \ubd80\ub3d9\uc0b0, ETF, \uc554\ud638\ud654\ud3d0 \ub4f1 \ub2e4\uc591\ud55c \uc790\uc0b0\uad70\uc5d0 \ub300\ud55c \uae30\ubcf8\uc801\uc778 \uacf5\ubd80\uac00 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uc2e4\uc81c\ub85c \ub9ce\uc740 \uc804\ubb38 \ud22c\uc790\uc790\ub4e4\uc740 \uc8fc\ub9d0\uc774\ub098 \ud1f4\uadfc \ud6c4 \uc2dc\uac04\uc744 \ud65c\uc6a9\ud558\uc5ec \uc7ac\ubb34\uc81c\ud45c \ubd84\uc11d, \uacbd\uc81c \ub3d9\ud5a5 \ud30c\uc545, \uae00\ub85c\ubc8c \uc2dc\uc7a5 \uc774\uc288 \ub4f1\uc744 \uacf5\ubd80\ud569\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774\ub77c\ub3c4 \uc774\ub97c \uc18c\ud640\ud788 \ud558\uba74 \ud22c\uc790\ub97c \u2018\ub3c4\ubc15\u2019\uacfc \ub2e4\ub97c \ubc14 \uc5c6\ub294 \ud589\uc704\ub85c \uc804\ub77d\uc2dc\ud0ac \uc704\ud5d8\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ucee8\ub300, \ud68c\uc0ac\uc758 \uc5f0\uac04 \uc2e4\uc801 \ubcf4\uace0\uc11c\ub098 \uc131\uc7a5 \uc804\ub9dd\uc744 \uaf3c\uaf3c\ud788 \uc0b4\ud3b4\ubcf4\uc9c0 \uc54a\uace0 SNS\ub098 \ucee4\ubba4\ub2c8\ud2f0\uc5d0\uc11c \ub2e8\ud3b8\uc801\uc778 \ub8e8\uba38\ub9cc \ubbff\uace0 \ud22c\uc790\ud588\ub2e4\uac00\ub294 \ub0ad\ud328\ub97c \ubcfc \uacf5\uc0b0\uc774 \ud07d\ub2c8\ub2e4. \uacb0\uad6d, \uc9c0\uc2dd\uc744 \uae30\ubc18\uc73c\ub85c \ud55c \ud22c\uc790 \ud0dc\ub3c4\uac00 \uc7a5\uae30\uc801\uc73c\ub85c \uafb8\uc900\ud55c \uc218\uc775\uc744 \ub9cc\ub4e4\uc5b4\uc8fc\ub294 \ud575\uc2ec \uc694\uc778\uc774\ub77c\ub294 \uc810\uc744 \uba85\uc2ec\ud574\uc57c \ud569\ub2c8\ub2e4.\n<\/p>\n\n\ucd94\uac00\ub85c, \ucd5c\uadfc\uc5d0\ub294 \ubaa8\ubc14\uc77c \ud50c\ub7ab\ud3fc\uc744 \ud1b5\ud55c \uac04\ud3b8\ud55c \ud22c\uc790 \ud658\uacbd\uc774 \uc870\uc131\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc571\uc744 \ud1b5\ud574 \uc8fc\uc2dd \uac70\ub798\ub098 \ud380\ub4dc \uac00\uc785\uc744 \uc190\uc27d\uac8c \ud560 \uc218 \uc788\uace0, \ub2e4\uc591\ud55c \ud540\ud14c\ud06c \uc2a4\ud0c0\ud2b8\uc5c5 \uc11c\ube44\uc2a4\uac00 \ucd08\ubcf4 \ud22c\uc790\uc790\ub4e4\uc744 \uc704\ud55c \uac00\uc774\ub4dc\ub098 \ucee4\ubba4\ub2c8\ud2f0 \uae30\ub2a5\uc744 \uc81c\uacf5\ud558\uae30\ub3c4 \ud569\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \uc785\ubb38 \uc7a5\ubcbd\uc774 \ud06c\uac8c \ub0ae\uc544\uc84c\uc9c0\ub9cc, \uadf8\ub9cc\ud07c \ucda9\ub3d9\uc801\uc774\uace0 \uc989\ud765\uc801\uc778 \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9ac\uae30 \uc26c\uc6b4 side effect\ub3c4 \uc874\uc7ac\ud569\ub2c8\ub2e4. \ub530\ub77c\uc11c \ud3b8\ub9ac\ud55c \uae30\ub2a5\uc744 \ud65c\uc6a9\ud558\ub418, \ubc18\ub4dc\uc2dc \uc2e0\uc911\ud558\uac8c \ud22c\uc790 \ubaa9\uc801, \uae30\uac04, \ub9ac\uc2a4\ud06c\ub97c \uc124\uc815\ud55c \ub4a4 \ud589\ub3d9\ud558\ub294 \uc2b5\uad00\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.\n<\/p>\n\n\uacb0\ub860\uc801\uc73c\ub85c, \uc0ac\ud68c \ucd08\ub144\uc0dd \ud22c\uc790\uc5d0\uc11c\ub294 \uc548\uc815\uacfc \uc131\uc7a5\uc758 \uade0\ud615\uc774 \ud575\uc2ec\uc785\ub2c8\ub2e4. \uc544\uc9c1 \uc790\ubcf8\uae08\uc774 \ud06c\uc9c0 \uc54a\uae30\uc5d0 \uc911\u00b7\uc7a5\uae30\uc801\uc73c\ub85c \uc790\uc0b0\uc744 \ud0a4\uc6b0\ub824\uba74 \uc801\uc808\ud788 \ubd84\uc0b0\ub41c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc640 \uccb4\uacc4\uc801\uc778 \ud559\uc2b5\uc774 \ud544\uc218\uc785\ub2c8\ub2e4. \ub3d9\uc2dc\uc5d0, \ucd5c\uadfc \uacbd\uc81c\u00b7\uae08\uc735 \ud2b8\ub80c\ub4dc\ub97c \uc9c0\uc18d\uc801\uc73c\ub85c \uc8fc\uc2dc\ud574 \uae08\ub9ac \uc778\uc0c1, \uc8fc\ud0dd \uc2dc\uc7a5 \ubcc0\ub3d9, \ud658\uc728 \ubcc0\ub3d9 \ub4f1\uc5d0 \ub300\uc751\ud560 \uc218 \uc788\uc5b4\uc57c \ud569\ub2c8\ub2e4. \uc774\ub807\uac8c \ud22c\uc790\uc5d0 \ub300\ud55c \ucc45\uc784\uac10\uacfc \ud559\uc2b5 \ud0dc\ub3c4\ub97c \uac16\ucd98\ub2e4\uba74, \uc0ac\ud68c \ucd08\ub144\uc0dd \uc2dc\uc808\ubd80\ud130 \uc2dc\uc791\ud558\ub294 \uc18c\uc561 \ud22c\uc790\ub77c\ub3c4 \ud5a5\ud6c4 \ud070 \uc790\uc0b0\uc73c\ub85c \uc131\uc7a5\ud560 \uac00\ub2a5\uc131\uc744 \ucda9\ubd84\ud788 \uae30\ub300\ud560 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4.\n<\/p>\n<\/p>\n<\/p>\n<h2 id=\"%ec%84%b9%ec%85%98-4-%ec%9e%a5%ea%b8%b0%ec%a0%81-%eb%aa%a9%ed%91%9c-%ec%84%a4%ec%a0%95-%eb%b0%8f-%ec%8b%a4%ed%96%89-%ec%a0%84%eb%9e%b5-qPzkSKWIpN\">\uc139\uc158 4: \uc7a5\uae30\uc801 \ubaa9\ud45c \uc124\uc815 \ubc0f \uc2e4\ud589 \uc804\ub7b5<\/h2>\n\n\uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \uc7ac\ubb34 \uc0c1\ud0dc\ub97c \uc9c4\ub2e8\ud558\uace0, \uc9c0\ucd9c \uad00\ub9ac\uc640 \ud22c\uc790\uc5d0 \ubc1c\uc744 \ub4e4\uc600\ub2e4\uba74 \ub2e4\uc74c \ub2e8\uacc4\ub85c \u2018\uc7a5\uae30\uc801 \uc7ac\ubb34 \ubaa9\ud45c\u2019\ub97c \uc124\uc815\ud558\ub294 \uc77c\uc774 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. \ub2e8\uc21c\ud788 \ub9e4\ub2ec \uc6d4\uae09\uc5d0 \ub9de\ucdb0 \uc9c0\ucd9c\ud558\uace0, \ub0a8\ub294 \uc790\uae08\uc744 \uc800\ucd95\ud558\ub294 \uc815\ub3c4\ub85c\ub294 \uc911\uc7a5\uae30\uc801\uc778 \uc0b6\uc758 \ud070 \uadf8\ub9bc\uc744 \uadf8\ub9ac\uae30 \uc5b4\ub824\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ucee8\ub300 \u201830\ub300 \uc911\ubc18\uae4c\uc9c0 \ub0b4 \uc9d1 \ub9c8\ub828\uc744 \ud55c\ub2e4\u2019\ub4e0\uc9c0, \u2018\ucc3d\uc5c5\uc790\uae08\uc744 \ub9c8\ub828\ud55c\ub2e4\u2019, \ud639\uc740 \u2018\uacbd\ub825 10\ub144 \ucc28\uc5d0\ub294 \ud574\uc678 MBA\uc5d0 \ub3c4\uc804\ud55c\ub2e4\u2019 \uac19\uc740 \uad6c\uccb4\uc801\uc774\uace0 \uc7a5\uae30\uc801\uc778 \ubaa9\ud45c\uac00 \uc788\ub2e4\uba74, \uadf8\uc5d0 \ub9de\ucdb0 \uc7ac\ubb34 \uacc4\ud68d\uc744 \ud6e8\uc52c \uad6c\uccb4\uc801\uc73c\ub85c \uc218\ub9bd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub9ac\uace0 \uc774 \ubaa9\ud45c\uac00 \uc2e4\uc81c\ub85c \uac00\ub2a5\ud55c\uc9c0, \uc5bc\ub9c8\ub098 \uae30\uac04\uc774 \ud544\uc694\ud55c\uc9c0, \uc608\uc0c1\ub418\ub294 \uae08\uc561\uc740 \uc5b4\ub290 \uc815\ub3c4\uc778\uc9c0 \ub4f1\uc744 \uc2dc\ubbac\ub808\uc774\uc158\ud574\ubcf4\ub294 \uacfc\uc815\uc744 \ud1b5\ud574 \uc790\uc2e0\uc5d0\uac8c \ub9de\ub294 \uc2e4\ud589 \uc804\ub7b5\uc744 \ucc3e\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n<\/p>\n\n\uc7a5\uae30\uc801 \ubaa9\ud45c\ub97c \uc124\uc815\ud560 \ub54c \uc8fc\uc758\ud574\uc57c \ud560 \uc810\uc740, \uc9c0\ub098\uce58\uac8c \ud070 \ubaa9\ud45c\ub97c \ub2e8\uae30\uac04\uc5d0 \ub2ec\uc131\ud558\ub824\uace0 \ubb34\ub9ac\ud558\ub294 \uac83\uc744 \ud53c\ud558\ub77c\ub294 \uac83\uc785\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \uc0ac\ud68c \ucd08\ub144\uc0dd \uc2dc\uc808\uc5d0 \ub192\uc740 \ub300\ucd9c\uc744 \ubb34\ub9ac\ud558\uac8c \ubc1b\uc544 \ubd80\ub3d9\uc0b0 \ud22c\uc790\uc5d0 \ub6f0\uc5b4\ub4e4\uae30\ubcf4\ub2e4\ub294, \ubcf8\uc778\uc758 \ud604\uc7ac \uc18c\ub4dd \ub300\ube44 \uc801\uc808\ud55c \ub808\ubc84\ub9ac\uc9c0\ub97c \uc0ac\uc6a9\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uc9c0\ub098\uce5c \ubd80\ucc44 \uc758\uc874\uc740 \ub9e4\ub2ec \uc774\uc790 \ubd80\ub2f4\uc744 \uc2ec\ud654\uc2dc\ud0a4\uace0, \uc608\uae30\uce58 \ubabb\ud55c \uc18c\ub4dd \uac10\uc18c\uac00 \uc2dc\ub828\uc73c\ub85c \ub2e4\uac00\uc654\uc744 \ub54c \uc7ac\ubb34\uc801\uc73c\ub85c \uc2ec\uac01\ud55c \uc704\uae30\ub97c \ub9de\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c\ub85c 2022\ub144 \ub9d0\ubd80\ud130 \uae08\ub9ac\uac00 \uc0c1\uc2b9\ud558\uba74\uc11c, \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uacfc \uc2e0\uc6a9\ub300\ucd9c\uc744 \ub3d9\uc2dc\uc5d0 \ub07c\uace0 \ubd80\ub3d9\uc0b0\uc5d0 \ud22c\uc790\ud55c \uc0ac\ub78c\ub4e4 \uc911 \uc77c\ubd80\uac00 \uc790\uae08\ub09c\uc5d0 \ucc98\ud558\ub294 \uc0ac\ub840\uac00 \ub298\uc5b4\ub098\uae30\ub3c4 \ud588\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \ubaa9\ud45c \uc218\ub9bd \uc2dc\uc5d0\ub294 \uc0c1\ud658 \uacc4\ud68d, \uae08\ub9ac \uc0c1\uc2b9 \ub9ac\uc2a4\ud06c, \ubd80\ub3d9\uc0b0 \ub610\ub294 \uc8fc\uc2dd\uc2dc\uc7a5\uc758 \ud750\ub984 \ub4f1\uc744 \ubaa8\ub450 \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4.\n<\/p>\n\n\uad6c\uccb4\uc801\uc778 \ubaa9\ud45c \uc124\uc815 \ud6c4\uc5d0\ub294, \uc774\ub97c \ub2ec\uc131\ud558\uae30 \uc704\ud55c \uc2e4\ud589 \uc804\ub7b5\uc744 \uc138\ubc00\ud558\uac8c \uc124\uacc4\ud574\uc57c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \u20185\ub144 \ub0b4\uc5d0 5\ucc9c\ub9cc \uc6d0\uc758 \uc885\uc7a3\ub3c8\uc744 \ub9c8\ub828\ud55c\ub2e4\u2019\ub77c\ub294 \ubaa9\ud45c\uac00 \uc788\ub2e4\uba74, \uc5f0\uac04\u00b7\uc6d4\uac04\uc73c\ub85c \uc800\ucd95 \ubc0f \ud22c\uc790 \uac00\ub2a5\ud55c \uae08\uc561\uc744 \uc0b0\uc815\ud558\uace0, \uac01 \uc790\uc0b0\uad70\uc5d0 \uc5bc\ub9c8\uc529 \ubc30\ubd84\ud560\uc9c0 \uad6c\uccb4\ud654\ud574\uc57c \ud569\ub2c8\ub2e4. \ub610\ud55c 1\ub144\ub9c8\ub2e4 \ubaa9\ud45c \ub2ec\uc131\ub3c4\ub97c \ud3c9\uac00\ud558\uace0, \ubb3c\uac00 \uc0c1\uc2b9\ub960\uc774\ub098 \uac1c\uc778\uc758 \uc218\uc785 \ubcc0\ud654\ub97c \ubc18\uc601\ud574 \uacc4\ud68d\uc744 \uc5c5\ub370\uc774\ud2b8\ud558\ub294 \uc791\uc5c5\ub3c4 \ud544\uc694\ud569\ub2c8\ub2e4. \uc774\ub807\uac8c \uc8fc\uae30\uc801\uc73c\ub85c \uacc4\ud68d\uc744 \uc810\uac80\ud558\uace0 \uc218\uc815\ud558\ub294 \uacfc\uc815\uc744 \ud1b5\ud574, \uc7a5\uae30\uc801 \ubaa9\ud45c\uac00 \ub2e8\uc21c\ud788 \u2018\ud76c\ub9dd \uc0ac\ud56d\u2019\uc5d0 \uba38\ubb34\ub974\uc9c0 \uc54a\uace0 \ud604\uc2e4\ud654\ub420 \uac00\ub2a5\uc131\uc744 \ub192\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n<\/p>\n\n\ubaa9\ud45c\ub97c \ub2ec\uc131\ud558\uae30 \uc704\ud574\uc11c\ub77c\uba74 \uc2a4\uc2a4\ub85c \ub3d9\uae30\ub97c \ubd80\uc5ec\ud558\ub294 \uac83\ub3c4 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \uafb8\uc900\ud788 \uc608\uae08\u00b7\uc801\uae08\uc744 \ub123\uace0, \ud22c\uc790 \uc218\uc775\uc744 \uc7ac\ud22c\uc790\ud558\ub294 \uacfc\uc815\uc774 \uc9c0\ub8e8\ud558\uac8c \ub290\uaef4\uc9c8 \uc218 \uc788\ub294\ub370, \uc774\ub7f0 \ub54c\uc5d0 \uc790\uae30 \uc790\uc2e0\uc5d0\uac8c \uade0\ud615 \uc7a1\ud78c \ubcf4\uc0c1\uc744 \uc8fc\ub294 \uc804\ub7b5\uc744 \uc368\ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubaa9\ud45c \uae08\uc561\uc758 10%\uc5d0 \ub3c4\ub2ec\ud560 \ub54c\ub9c8\ub2e4 \uc18c\uc18c\ud55c \ucde8\ubbf8 \uc6a9\ud488\uc744 \uc0b0\ub2e4\ub4e0\uc9c0, \uc885\uc7a3\ub3c8\uc758 20%\uac00 \ubaa8\uc774\uba74 \uac00\uc871 \uc5ec\ud589\uc744 \uacc4\ud68d\ud558\ub294 \uc2dd\uc73c\ub85c \u2018\uc758\uc2dd \uc788\ub294 \uc18c\ube44\u2019\ub97c \ud1b5\ud574 \ub3d9\uae30\ub97c \uc720\uc9c0\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uc774\ub7f0 \uc2dd\uc758 \ubcf4\uc0c1 \uccb4\uacc4\ub97c \ub3c4\uc785\ud558\uba74, \uc7a5\uae30\uc801 \ubaa9\ud45c\ub97c \ud5a5\ud574 \ub098\uc544\uac00\ub294 \uacfc\uc815\uc5d0\uc11c \uc624\ub294 \uc2a4\ud2b8\ub808\uc2a4\ub97c \uc644\ud654\ud558\uace0, \ubaa9\ud45c \ub2ec\uc131\uc758 \uc990\uac70\uc6c0\uc744 \ub354\uc6b1 \ud06c\uac8c \ub290\ub084 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n<\/p>\n\n\ub610\ud55c, \uc778\ud50c\ub808\uc774\uc158\uc774\ub098 \uacbd\uae30 \ubcc0\ub3d9\ucc98\ub7fc \uac1c\uc778\uc774 \ud1b5\uc81c\ud560 \uc218 \uc5c6\ub294 \uc678\ubd80 \uc694\uc778\ub3c4 \uc7a5\uae30 \ubaa9\ud45c \ub2ec\uc131\uc5d0 \ud070 \ubcc0\uc218\uac00 \ub429\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd \uc2dc\uc810\uc5d0\ub294 \ubb3c\uac00 \uc0c1\uc2b9\ub960\uc774 \uc801\uac8c \ub290\uaef4\uc9c8 \uc218 \uc788\uc9c0\ub9cc, \ub098\uc774\uac00 \ub4e4\uc218\ub85d \uc0dd\ud65c\ube44\ub098 \uc790\ub140 \uad50\uc721\ube44, \ubd80\ubaa8\ub2d8 \ubd80\uc591\ube44 \ub4f1 \uc9c0\ucd9c \ud56d\ubaa9\uc774 \ub298\uc5b4\ub0a0 \uac00\ub2a5\uc131\uc774 \ud07d\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc7a5\uae30\uc801 \uad00\uc810\uc5d0\uc11c \ub9e4\ub144 2~3% \ud639\uc740 \uadf8 \uc774\uc0c1\uc758 \ubb3c\uac00 \uc0c1\uc2b9\ub960\uc744 \uac00\uc815\ud558\uace0, \ubaa9\ud45c \uc790\uae08\uc744 \uc7ac\uc0b0\uc815\ud574\ub450\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uc608\ucee8\ub300 10\ub144 \ub4a4\uc5d0 \uc9d1\uc744 \uc0ac\uae30 \uc704\ud574 \uc9c0\uae08 \uae30\uc900\uc73c\ub85c 3\uc5b5 \uc6d0\uc774 \ud544\uc694\ud558\ub2e4\uace0 \uc0dd\uac01\ud588\ub354\ub77c\ub3c4, 10\ub144 \ud6c4\uc5d0\ub294 \uc9d1\uac12\uacfc \ubb3c\uac00\uac00 \uc62c\ub77c 4\uc5b5 \uc6d0 \uc774\uc0c1\uc774 \ud544\uc694\ud560\uc9c0\ub3c4 \ubaa8\ub985\ub2c8\ub2e4. \uc774\ub7f0 \uc0c1\ud669\uc744 \ub300\ube44\ud574 \uafb8\uc900\ud788 \uacc4\ud68d\uc744 \uc7ac\ud3c9\uac00\ud558\uace0, \ud544\uc694 \uc2dc \ud22c\uc790 \uc804\ub7b5\uc744 \uc870\uc815\ud574\uc57c \ud569\ub2c8\ub2e4.\n<\/p>\n\n\uc7a5\uae30 \ubaa9\ud45c\ub97c \uc124\uc815\ud560 \ub54c\ub294 \ud45c\uba74\uc801\uc778 \uae08\uc561\ubfd0 \uc544\ub2c8\ub77c, \uc790\uc2e0\uc774 \uc6d0\ud558\ub294 \ub77c\uc774\ud504\uc2a4\ud0c0\uc77c\ub3c4 \ud568\uaed8 \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4. \uac1c\uc778\ub9c8\ub2e4 \uc5ec\ud589\uc744 \uc990\uae30\ub294 \uc0ac\ub78c\ub3c4 \uc788\uace0, \uc790\ub140 \uad50\uc721\uc5d0 \ub9ce\uc740 \ube44\uc6a9\uc744 \uc4f0\uace0 \uc2f6\uc740 \uc0ac\ub78c\ub3c4 \uc788\uc73c\uba70, \uc801\ub2f9\ud788 \uc77c\ud558\uace0 \ub9ce\uc740 \uc790\uc720 \uc2dc\uac04\uc744 \uc6d0\ud558\ub294 \uc0ac\ub78c\ub3c4 \uc788\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubaa9\ub3c8\uc744 \ubaa8\uc73c\ub294 \uacfc\uc815\uc5d0\uc11c \uc0b6\uc758 \uc9c8\uc744 \uacfc\ub3c4\ud558\uac8c \ud76c\uc0dd\ud558\uae30\ubcf4\ub2e4, \uc790\uc2e0\uc758 \uac00\uce58\uad00\uc744 \ubc18\uc601\ud574 \uc5b4\ub51c \uc5b4\ub5bb\uac8c \ucd95\uc18c\ud560\uc9c0, \uc5b4\ub514\uc5d0 \ub354 \ud22c\uc790\ud560\uc9c0\ub97c \uacb0\uc815\ud558\ub294 \uac83\uc774 \uad81\uadf9\uc801\uc778 \ud589\ubcf5\uacfc \uc5f0\uacc4\ub429\ub2c8\ub2e4. \uc608\ucee8\ub300 \ube44\uc2b7\ud55c \uc18c\ub4dd \uc218\uc900\uc774\ub77c\ub3c4, \uc0b6\uc758 \uc6b0\uc120\uc21c\uc704\uac00 \uac00\uc871, \ucde8\ubbf8, \uc790\uae30\uacc4\ubc1c \ub4f1\uc5d0 \ub530\ub77c \uc608\uc0b0 \ubc30\ubd84\uc774 \ud06c\uac8c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n<\/p>\n\n\uc2e4\ud589 \uc804\ub7b5\uc744 \uc138\uc6b0\uace0 \ub09c \ub4a4\uc5d0\ub294, \uc774\ub97c \uc11c\ud3ec\ud2b8\ud574\uc904 \uc218 \uc788\ub294 \uae08\uc735 \uc0c1\ud488\uc774\ub098 \uc81c\ub3c4\ub97c \uc801\uadf9\uc801\uc73c\ub85c \ud65c\uc6a9\ud558\ub294 \uac83\ub3c4 \ud55c \ubc29\ubc95\uc785\ub2c8\ub2e4. \uac00\ub839, \uc8fc\ud0dd\uccad\uc57d\uc885\ud569\uc800\ucd95\uc744 \uafb8\uc900\ud788 \ub0a9\uc785\ud558\uba74 \uccad\uc57d \uac00\uc810\uc744 \uc313\ub294 \ub370 \uc720\ub9ac\ud574\uc9c8 \uc218 \uc788\uace0, \uc138\uc561\uacf5\uc81c\uac00 \uac00\ub2a5\ud55c \uc5f0\uae08\uc800\ucd95 \ub610\ub294 IRP \uacc4\uc88c\ub97c \ud1b5\ud574 \uc7a5\uae30\uc801\uc73c\ub85c \ub178\ud6c4 \ub300\ube44\ub97c \ud558\uba74\uc11c \ub9e4\ub144 \uc138\uae08 \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774\ub77c\uba74 \uc544\uc9c1 \uc740\ud1f4\uac00 \uba40\uac8c \ub290\uaef4\uc9c0\uaca0\uc9c0\ub9cc, \uc77c\ucc0d\ubd80\ud130 \uc5f0\uae08\uc774\ub098 \uc0dd\uba85\ubcf4\ud5d8, \ubcc0\uc561\ubcf4\ud5d8 \ub4f1\uc744 \uc804\ub7b5\uc801\uc73c\ub85c \ud65c\uc6a9\ud574\ub450\uba74 \uc911\uc7a5\uae30\uc801\uc73c\ub85c \uc7ac\ubb34\uc801 \uc548\uc815\uc5d0 \ud070 \uae30\uc5ec\ub97c \ud558\uac8c \ub429\ub2c8\ub2e4.\n<\/p>\n\n\ud2b9\ud788 \uc2e4\uc81c \uc2e4\ud589 \ub2e8\uacc4\uc5d0\uc11c \uac00\uc7a5 \uc911\uc694\ud55c \uc694\uc18c\ub294 \u2018\uafb8\uc900\ud568\u2019\uc785\ub2c8\ub2e4. \uc608\uc0b0 \uc138\uc6b0\uae30, \ud22c\uc790 \uacc4\ud68d \uc218\ub9bd, \uc7ac\ubb34 \ubaa9\ud45c \uc124\uc815\uc740 \ub204\uad6c\ub098 \ub9c8\uc74c\uba39\uc73c\uba74 \ud560 \uc218 \uc788\uc9c0\ub9cc, \uc774\ub97c \uc2e4\uc81c\ub85c 1\ub144, 5\ub144, 10\ub144 \ub3d9\uc548 \uc9c0\uc18d\ud558\ub294 \uac83\uc740 \uc18c\uc218\uc5d0\uac8c\ub9cc \uac00\ub2a5\ud55c \uc77c\uc785\ub2c8\ub2e4. \uafb8\uc900\ud568\uc744 \uc704\ud574\uc11c\ub294 \ubcf8\uc778\uc774 \uc138\uc6b4 \uacc4\ud68d\uc774 \uc9c0\ub098\uce58\uac8c \ube61\ube61\ud558\uc9c0\ub294 \uc54a\uc740\uc9c0, \ud639\uc740 \uc560\ucd08\uc5d0 \ub2ec\uc131 \ubd88\uac00\ub2a5\ud55c \ubb34\ub9ac\ud55c \ubaa9\ud45c\ub294 \uc544\ub2c8\uc5c8\ub294\uc9c0 \uc810\uac80\ud574\ubd10\uc57c \ud569\ub2c8\ub2e4. \uc608\ucee8\ub300 \ub9e4\ub2ec 70% \uc774\uc0c1\uc744 \uc800\ucd95\ud558\ub3c4\ub85d \uacc4\ud68d\ud588\ub2e4\uac00, \uc2e4\uc81c\ub85c\ub294 \uc2dd\ube44\ub098 \uac1c\uc778 \uc6a9\ub3c8\uc744 \uacfc\uc18c \ucd94\uc815\ud574 \uc2a4\ud2b8\ub808\uc2a4\ub97c \ubc1b\uac70\ub098 \uacc4\ud68d\uc774 \ubb34\ub108\uc838\ubc84\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc790\uc2e0\uc5d0\uac8c \ub9de\ub294 \uc801\uc808\ud55c \uc218\uc900\uc744 \ucc3e\ub294 \uac83\uc774 \uad00\uac74\uc785\ub2c8\ub2e4.\n<\/p>\n\n\ub610\ud55c, \uc2e4\ud589 \uc804\ub7b5\uc744 \uacc4\uc18d \uc810\uac80\ud558\uba70 \ub2e4\ub4ec\uae30 \uc704\ud574\uc11c\ub294 \uc8fc\ubcc0 \uc804\ubb38\uac00\ub098 \uc120\ubc30, \ud639\uc740 \ube44\uc2b7\ud55c \ubaa9\ud45c\ub97c \uac00\uc9c4 \ub3d9\ub8cc\uc640\uc758 \uc815\ubcf4 \uad50\ub958\uac00 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \uae08\uc735 \ucee8\uc124\ud134\ud2b8\ub098 \uc138\ubb34\uc0ac, \uc0ac\ud68c \uc120\ubc30\ub4e4\uc758 \uc2e4\uc81c \uc0ac\ub840\ub97c \ub4e4\uc5b4\ubcf4\uba74 \ucc45\uc5d0\ub9cc \ub098\uc624\ub294 \uc774\ub860\uc801 \uc870\uc5b8\uacfc \ub2ec\ub9ac, \ud6e8\uc52c \uc0dd\uc0dd\ud55c \ub178\ud558\uc6b0\uc640 \uc2dc\ud589\ucc29\uc624\ub97c \uacf5\uc720\ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ucee8\ub300, \uc8fc\uc2dd \ud22c\uc790\ub97c \uc2dc\uc791\ud560 \ub54c \ub3c4\uc6c0\uc774 \ub418\ub294 \uc99d\uad8c\uc0ac \ud61c\ud0dd\uc774\ub098 \uc218\uc218\ub8cc \uc6b0\ub300 \uc815\ubcf4, \ub610\ub294 \ubd80\ub3d9\uc0b0 \uacc4\uc57d \uc2dc \ub193\uce58\uae30 \uc26c\uc6b4 \uc138\uae08 \uad00\ub828 \uc0ac\ud56d \ub4f1\uc744 \ubbf8\ub9ac \uc54c\uac8c \ub418\uba74 \uc2dc\ud589\ucc29\uc624\ub97c \ud06c\uac8c \uc904\uc77c \uc218 \uc788\uc8e0. \uc0ac\ud68c \ucd08\ub144\uc0dd \uc2dc\uae30\uc5d0 \uc774\ub7f0 \uc9c0\uc2dd\uacfc \uc778\uc801 \ub124\ud2b8\uc6cc\ud06c\ub97c \uad6c\ucd95\ud574\ub450\uba74 \uc7a5\uae30\uc801 \uc7ac\ubb34 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud558\ub294 \ub370 \ud070 \uc790\uc0b0\uc774 \ub429\ub2c8\ub2e4.\n<\/p>\n\n\uacb0\ub860\uc801\uc73c\ub85c, \uc7a5\uae30\uc801 \ubaa9\ud45c \uc124\uc815\uacfc \uc2e4\ud589 \uc804\ub7b5\uc740 \uc0ac\ud68c \ucd08\ub144\uc0dd \uc7ac\ubb34 \uad00\ub9ac\uc758 \uc815\uc810\uc774\ub77c \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e8\uc21c\ud788 \u2018\ub3c8\uc774 \ub9ce\uc73c\uba74 \uc88b\ub2e4\u2019 \uc218\uc900\uc774 \uc544\ub2c8\ub77c, \uc5b4\ub514\uc5d0 \uc5bc\ub9c8\uc758 \uc790\uae08\uc774 \ud544\uc694\ud55c\uc9c0, \uadf8 \ubaa9\uc801\uc744 \uc704\ud574 \uc5b4\ub5a4 \uacbd\ub85c\ub97c \ud1b5\ud574 \uc790\uae08\uc744 \uc870\ub2ec\ud560 \uac83\uc778\uc9c0, \ub9ac\uc2a4\ud06c \uad00\ub9ac\ub294 \uc5b4\ub5bb\uac8c \ud560 \uac83\uc778\uc9c0\ub97c \uad6c\uccb4\uc801\uc73c\ub85c \uadf8\ub9ac\ub294 \uacfc\uc815\uc785\ub2c8\ub2e4. \uc774 \uacfc\uc815\uc744 \ud1b5\ud574 \ud55c\uce35 \uc131\uc219\ud55c \uc7ac\ubb34 \uc758\uc2dd\uc774 \uc790\ub9ac \uc7a1\uace0, \uad81\uadf9\uc801\uc73c\ub85c\ub294 \uc7ac\ubb34\uc801 \uc790\uc720\uc640 \uc548\uc815, \uadf8\ub9ac\uace0 \uac1c\uc778\uc758 \ub9cc\uc871\uc2a4\ub7ec\uc6b4 \uc0b6\uc744 \ud5a5\ud574 \ud55c \uac78\uc74c\uc529 \ub098\uc544\uac08 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n<\/p>\n<\/p>\n<h2 id=\"%ea%b2%b0%eb%a1%a0-%eb%b0%8f-%ec%9a%94%ec%95%bd-qPzkSKWIpN\">\uacb0\ub860 \ubc0f \uc694\uc57d<\/h2>\n\n\uc0ac\ud68c\uc758 \uccab\ubc1c\uc744 \ub0b4\ub51b\ub294 \uccad\ub144\ub4e4\uc5d0\uac8c \uc7ac\ubb34 \uc0c1\ud0dc \uc9c4\ub2e8\uc740 \ub354 \uc774\uc0c1 \ub4a4\ub85c \ubbf8\ub8f0 \uc218 \uc5c6\ub294 \ud544\uc218 \uacfc\uc81c\uc785\ub2c8\ub2e4. \ubcf8\ubb38\uc5d0\uc11c \uc0b4\ud3b4\ubcf8 \ubc14\uc640 \uac19\uc774, \uc6b0\uc120 \uc790\uc2e0\uc758 \ud604 \uc7ac\ubb34 \uac74\uc804\uc131\uc744 \uaf3c\uaf3c\ud788 \ud30c\uc545\ud558\uace0, \uc9c0\ucd9c \uad00\ub9ac\uc640 \uc608\uc0b0 \ud3b8\uc131\uc73c\ub85c \uc18c\ube44 \ud1b5\uc81c\ub97c \uc2e4\ucc9c\ud558\uba70, \ud22c\uc790 \uae30\ucd08\uc640 \ucd5c\uadfc \ub3d9\ud5a5\uc744 \ud559\uc2b5\ud558\uc5ec \ubd84\uc0b0 \ud22c\uc790 \uc804\ub7b5\uc744 \uac1c\ubc1c\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ub9c8\uc9c0\ub9c9\uc73c\ub85c\ub294 \uc7a5\uae30\uc801 \ubaa9\ud45c\ub97c \uc124\uc815\ud574 \uad6c\uccb4\uc801\uc778 \uc2e4\ud589 \ubc29\uc548\uc744 \ub9c8\ub828\ud568\uc73c\ub85c\uc368, \ub2e8\ubc1c\uc131 \ub178\ub825\uc5d0 \uadf8\uce58\uc9c0 \uc54a\uace0 \uc9c0\uc18d\uc801\uc73c\ub85c \uc7ac\ubb34 \uc0c1\ud0dc\ub97c \uac1c\uc120\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n<\/p>\n\n\uc0ac\ud68c \ucd08\ub144\uc0dd \uc2dc\uae30\ub294 \ud55c\uc815\ub41c \uc7ac\uc6d0\uc744 \uc5b4\ub5bb\uac8c \ubc30\ubd84\ud558\ub290\ub0d0\uc5d0 \ub530\ub77c \ubbf8\ub798 \uc0b6\uc774 \uc644\uc804\ud788 \ub2ec\ub77c\uc9c8 \uc218 \uc788\ub294 \uacb0\uc815\uc801 \uc2dc\uc810\uc785\ub2c8\ub2e4. \uc791\uc740 \uc2b5\uad00 \ud558\ub098\ub77c\ub3c4 \uafb8\uc900\ud788 \uc774\uc5b4\uac04\ub2e4\uba74, \ud6c4\uc5d0 \ub3cc\uc774\ucf1c \ubcf4\uc558\uc744 \ub54c \ucee4\ub2e4\ub780 \uc131\uacfc\ub85c \uc774\uc5b4\uc9c8 \uac00\ub2a5\uc131\uc774 \ub192\uc2b5\ub2c8\ub2e4. \ubcf8\ubb38\uc5d0\uc11c \uc81c\uc2dc\ud55c \ubc29\ubc95\ub4e4\uc744 \ucc38\uace0\ud558\uc5ec \uc800\ucd95, \ud22c\uc790, \uc608\uc0b0, \uc7a5\uae30 \ubaa9\ud45c \uc124\uc815\uc744 \ud6a8\uacfc\uc801\uc73c\ub85c \uc870\ud569\ud574\ub098\uac04\ub2e4\uba74, \ub204\uad6c\ub4e0\uc9c0 \ub354 \uc548\uc815\ub41c \uc7ac\ubb34 \uae30\ubc18 \uc704\uc5d0\uc11c \uc6d0\ud558\ub294 \ub77c\uc774\ud504\uc2a4\ud0c0\uc77c\uc744 \ub204\ub9b4 \uc218 \uc788\uac8c \ub420 \uac83\uc785\ub2c8\ub2e4. \ub610\ud55c \uc801\uc808\ud55c 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{"id":57368,"date":"2025-03-20T23:42:15","date_gmt":"2025-03-20T14:42:15","guid":{"rendered":"https:\/\/m9js.shop\/blog\/lifestyle\/how-to-assess-your-financial-health-for-new-graduates"},"modified":"2025-03-20T23:42:19","modified_gmt":"2025-03-20T14:42:19","slug":"how-to-assess-your-financial-health-for-new-graduates","status":"publish","type":"post","link":"https:\/\/m9js.shop\/blog\/lifestyle\/how-to-assess-your-financial-health-for-new-graduates","title":{"rendered":"\uc0ac\ud68c \ucd08\ub144\uc0dd\uc744 \uc704\ud55c \uc7ac\ubb34 \uc0c1\ud0dc \uc9c4\ub2e8 \ubc29\ubc95"},"content":{"rendered":"

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