{"id":57905,"date":"2025-05-18T08:43:30","date_gmt":"2025-05-17T23:43:30","guid":{"rendered":"https:\/\/m9js.shop\/blog\/lifestyle\/creating-a-customized-investment-portfolio-for-those-in-their-20s-and-30s-who-are-not-satisfied-with-savings-alone"},"modified":"2025-05-18T08:43:33","modified_gmt":"2025-05-17T23:43:33","slug":"creating-a-customized-investment-portfolio-for-those-in-their-20s-and-30s-who-are-not-satisfied-with-savings-alone","status":"publish","type":"post","link":"https:\/\/m9js.shop\/blog\/lifestyle\/creating-a-customized-investment-portfolio-for-those-in-their-20s-and-30s-who-are-not-satisfied-with-savings-alone","title":{"rendered":"\uc801\uae08\ub9cc\uc73c\ub85c\ub294 \ubd80\uc871\ud55c 2030\ub300 \ub9de\ucda4\ud615 \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ub9cc\ub4e4\uae30"},"content":{"rendered":"<ul class=\"toc_post_list\">\n<li>\n<h2>\ubaa9\ucc28<\/h2>\n<ul>\n<li><a href=\"#%ec%a0%81%ea%b8%88%eb%a7%8c%ec%9c%bc%eb%a1%9c%eb%8a%94-%eb%b6%80%ec%a1%b1%ed%95%9c-2030%eb%8c%80-%eb%a7%9e%ec%b6%a4%ed%98%95-%ed%88%ac%ec%9e%90-%ed%8f%ac%ed%8a%b8%ed%8f%b4%eb%a6%ac%ec%98%a4-%eb%a7%8c-VIalGZlCns\">\uc801\uae08\ub9cc\uc73c\ub85c\ub294 \ubd80\uc871\ud55c 2030\ub300 \ub9de\ucda4\ud615 \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ub9cc\ub4e4\uae30<\/a><\/li>\n<li><a href=\"#1-%ec%a0%81%ea%b8%88%eb%a7%8c%ec%9c%bc%eb%a1%9c%eb%8a%94-%eb%b6%80%ec%a1%b1%ed%95%9c-%ec%83%81%ed%99%a9%ea%b3%bc-%ed%88%ac%ec%9e%90-%ed%95%84%ec%9a%94%ec%84%b1-VIalGZlCns\">1. \uc801\uae08\ub9cc\uc73c\ub85c\ub294 \ubd80\uc871\ud55c \uc0c1\ud669\uacfc \ud22c\uc790 \ud544\uc694\uc131<\/a><\/li>\n<li><a href=\"#2-2030%eb%8c%80-%eb%a7%9e%ec%b6%a4%ed%98%95-%ed%88%ac%ec%9e%90-%ec%a0%84%eb%9e%b5%ea%b3%bc-%ed%8f%ac%ed%8a%b8%ed%8f%b4%eb%a6%ac%ec%98%a4-%ea%b5%ac%ec%84%b1-VIalGZlCns\">2. 2030\ub300 \ub9de\ucda4\ud615 \ud22c\uc790 \uc804\ub7b5\uacfc \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131<\/a><\/li>\n<li><a href=\"#3-%eb%b6%84%ec%82%b0-%ed%88%ac%ec%9e%90%ec%99%80-%eb%a6%ac%ec%8a%a4%ed%81%ac-%ea%b4%80%eb%a6%ac%ec%9d%98-%ec%a4%91%ec%9a%94%ec%84%b1-VIalGZlCns\">3. \ubd84\uc0b0 \ud22c\uc790\uc640 \ub9ac\uc2a4\ud06c \uad00\ub9ac\uc758 \uc911\uc694\uc131<\/a><\/li>\n<li><a href=\"#4-%eb%af%b8%eb%9e%98-%ed%88%ac%ec%9e%90-%ed%8a%b8%eb%a0%8c%eb%93%9c%ec%99%80-%ec%a0%81%ea%b7%b9%ec%a0%81-%ed%88%ac%ec%9e%90-%eb%b0%a9%ec%95%88-VIalGZlCns\">4. \ubbf8\ub798 \ud22c\uc790 \ud2b8\ub80c\ub4dc\uc640 \uc801\uadf9\uc801 \ud22c\uc790 \ubc29\uc548<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>    <title id=\"%ec%a0%81%ea%b8%88%eb%a7%8c%ec%9c%bc%eb%a1%9c%eb%8a%94-%eb%b6%80%ec%a1%b1%ed%95%9c-2030%eb%8c%80-%eb%a7%9e%ec%b6%a4%ed%98%95-%ed%88%ac%ec%9e%90-%ed%8f%ac%ed%8a%b8%ed%8f%b4%eb%a6%ac%ec%98%a4-%eb%a7%8c-VIalGZlCns\">\uc801\uae08\ub9cc\uc73c\ub85c\ub294 \ubd80\uc871\ud55c 2030\ub300 \ub9de\ucda4\ud615 \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ub9cc\ub4e4\uae30<\/title><\/p>\n<h1 id=\"%ec%a0%81%ea%b8%88%eb%a7%8c%ec%9c%bc%eb%a1%9c%eb%8a%94-%eb%b6%80%ec%a1%b1%ed%95%9c-2030%eb%8c%80-%eb%a7%9e%ec%b6%a4%ed%98%95-%ed%88%ac%ec%9e%90-%ed%8f%ac%ed%8a%b8%ed%8f%b4%eb%a6%ac%ec%98%a4-%eb%a7%8c-VIalGZlCns\">\uc801\uae08\ub9cc\uc73c\ub85c\ub294 \ubd80\uc871\ud55c 2030\ub300 \ub9de\ucda4\ud615 \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ub9cc\ub4e4\uae30<\/h1>\n<p>\ucd5c\uadfc 2030 \uc138\ub300\ub97c \uc911\uc2ec\uc73c\ub85c \uc801\uae08\ub9cc\uc73c\ub85c\ub294 \ubbf8\ub798\uc758 \uc7ac\uc815 \uc548\uc815\uc131\uc744 \ud655\ubcf4\ud558\uae30 \uc5b4\ub835\ub2e4\ub294 \uc778\uc2dd\uc774 \ud655\uc0b0\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uae09\ubcc0\ud558\ub294 \uacbd\uc81c \uc0c1\ud669, \uc800\uae08\ub9ac \ud658\uacbd, \uadf8\ub9ac\uace0 \uae08\uc735 \uc2dc\uc7a5\uc758 \ub2e4\ubcc0\ud654\ub294 \uae30\uc874\uc758 \ub2e8\uc21c\ud55c \uc800\ucd95 \ubc29\ubc95\ub9cc\uc73c\ub85c\ub294 \ud55c\uacc4\uac00 \uc788\uc74c\uc744 \uba85\ud655\ud558\uac8c \ubcf4\uc5ec\uc8fc\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ubcf8 \uae00\uc5d0\uc11c\ub294 \ud22c\uc790 \uc804\ubb38\uac00\uc758 \uc2dc\uac01\uc73c\ub85c 2030\ub300\uc5d0\uac8c \ud544\uc694\ud55c \ub9de\ucda4\ud615 \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131\uc744 \uc704\ud55c \uc804\ub7b5\uacfc \uc0ac\ub840, \uadf8\ub9ac\uace0 \uc2e4\uc9c8\uc801\uc778 \uc2e4\ud589 \ubc29\uc548\uc744 \uc2ec\ub3c4 \uc788\uac8c \ubd84\uc11d\ud569\ub2c8\ub2e4.<\/p>\n<p>\ucd5c\uadfc \ud1b5\uacc4\uc5d0 \ub530\ub974\uba74 \uad6d\ub0b4 2030 \uc138\ub300\uc758 \uae08\uc735 \uc18c\ube44 \ud328\ud134\uc740 \ub2e8\uc21c\ud788 \uc740\ud589 \uc801\uae08\uc774\ub098 \uc608\uae08\uc5d0 \uc758\uc874\ud558\ub294 \ube44\uc911\uc774 \uae09\uaca9\ud558\uac8c \uac10\uc18c\ud558\ub294 \ucd94\uc138\ub97c \ubcf4\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uae08\uc735 \uc18c\ube44\uc790 \uc870\uc0ac \uacb0\uacfc, 20\ub300\uc640 30\ub300\uc758 80% \uc774\uc0c1\uc774 \uc801\uae08 \uc678\uc5d0\ub3c4 \uc8fc\uc2dd, \ud380\ub4dc, \ubd80\ub3d9\uc0b0 \uac04\uc811\ud22c\uc790 \ub4f1 \ub2e4\uc591\ud55c \uc790\uc0b0 \uc6b4\uc6a9 \uc218\ub2e8\uc5d0 \uad00\uc2ec\uc744 \ubcf4\uc774\uace0 \uc788\uc73c\uba70, \ud2b9\ud788 \ubaa8\ubc14\uc77c \ud2b8\ub808\uc774\ub529\uacfc \ub85c\ubcf4\uc5b4\ub4dc\ubc14\uc774\uc800\ub97c \ud65c\uc6a9\ud55c \ud22c\uc790\uac00 \uc778\uae30\ub97c \ub04c\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc774\ub7ec\ud55c \ubcc0\ud654\uc758 \uc6d0\uc778\uc73c\ub85c\ub294 \uc7a5\uae30\uac04 \uc720\uc9c0\ub418\ub294 \uc800\uae08\ub9ac \ud658\uacbd\uacfc \uae00\ub85c\ubc8c \uacbd\uc81c\uc758 \ubd88\ud655\uc2e4\uc131, \uadf8\ub9ac\uace0 \ub514\uc9c0\ud138 \uae08\uc735 \ud601\uc2e0 \ub4f1\uc774 \uc8fc\uc694\ud558\uac8c \uc791\uc6a9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788, 2030 \uc138\ub300\ub294 \uacbd\uc81c \ubd88\ud3c9\ub4f1\uacfc \ubbf8\ub798\uc5d0 \ub300\ud55c \ubd88\uc548\uac10\uc73c\ub85c \uc778\ud574 \ub2e8\uc21c \uc800\ucd95\ub9cc\uc73c\ub85c\ub294 \uc0b6\uc758 \uc9c8 \uac1c\uc120\uacfc \uc548\uc815\ub41c \ub178\ud6c4 \uc900\ube44\ub97c \uc774\ub8e8\uae30 \uc5b4\ub835\ub2e4\ub294 \uc778\uc2dd\uc744 \uac15\ud558\uac8c \uac16\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \ub2e4\uc591\ud55c \uc790\uc0b0 \ud074\ub798\uc2a4\uc5d0 \ubd84\uc0b0 \ud22c\uc790\ud558\uace0, \uc7a5\uae30\uc801\uc778 \uad00\uc810\uc5d0\uc11c \uc790\ubcf8\uc744 \uc99d\uc2dd\ud558\ub294 \uac83\uc774 \uc694\uad6c\ub429\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c \ucd5c\uadfc \uae08\uc735 \uc2dc\uc7a5\uc5d0\uc11c\ub294 \ud22c\uc790\uc5d0 \ub300\ud55c \uad50\uc721\uacfc \uc815\ubcf4 \uc811\uadfc\uc131\uc774 \ud06c\uac8c \uac1c\uc120\ub428\uc5d0 \ub530\ub77c, \uc80a\uc740 \ud22c\uc790\uc790\ub4e4\uc774 \ubcf4\ub2e4 \uc804\ubb38\uc801\uc778 \ud22c\uc790 \ub3c4\uad6c\uc640 \ubd84\uc11d \ubc29\ubc95\uc5d0 \uad00\uc2ec\uc744 \uac00\uc9c0\uac8c \ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\uc5d0 \ub530\ub77c \ud22c\uc790\uc790 \uad6c\uc131\uc740 \uacfc\uac70\uc758 \ub2e8\uc21c \uc608\uae08 \uc704\uc8fc\uc5d0\uc11c \ubc97\uc5b4\ub098, \ub370\uc774\ud130 \uae30\ubc18\uc758 \ubd84\uc11d, \uc54c\uace0\ub9ac\uc998 \ud2b8\ub808\uc774\ub529, \uc778\uacf5\uc9c0\ub2a5 \ud22c\uc790 \ub4f1 \ucca8\ub2e8 \uae30\uc220\uc744 \ud65c\uc6a9\ud55c \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\ucd95\uc73c\ub85c \uc804\ud658\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. 2030\ub300\ub294 \uc774\ub7ec\ud55c \ubcc0\ud654\ub97c \ube60\ub974\uac8c \uc218\uc6a9\ud558\uba70, \ubcf8\uc778\uc758 \ub77c\uc774\ud504\uc2a4\ud0c0\uc77c\uacfc \uc7ac\ubb34 \ubaa9\ud45c\uc5d0 \ub9de\ucd98 \ub9de\ucda4\ud615 \ud22c\uc790 \uc804\ub7b5\uc744 \ubaa8\uc0c9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c, \uae08\uc735\uad8c\uc5d0\uc11c\ub294 \uc774\ub7ec\ud55c \uc218\uc694\ub97c \ucda9\uc871\ud558\uae30 \uc704\ud574 \ub2e4\uc591\ud55c \ub9de\ucda4\ud615 \uae08\uc735 \uc0c1\ud488\uacfc \ud50c\ub7ab\ud3fc\uc744 \ucd9c\uc2dc\ud558\uace0 \uc788\uc73c\uba70, \uc18c\ube44\uc790 \ub9cc\uc871\ub3c4 \uc870\uc0ac\uc5d0\uc11c\ub3c4 \uc774\ub7ec\ud55c \uc0c1\ud488\ub4e4\uc774 \uae0d\uc815\uc801\uc778 \ubc18\uc751\uc744 \uc774\ub04c\uc5b4\ub0b4\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub300\ud45c\uc801\uc778 \uc0ac\ub840\ub85c, \ub85c\ubcf4\uc5b4\ub4dc\ubc14\uc774\uc800\ub97c \ud1b5\ud55c \uc790\ub3d9 \uc790\uc0b0 \ubc30\ubd84 \uc11c\ube44\uc2a4, \ubaa8\ubc14\uc77c \uc571 \uae30\ubc18\uc758 \uc2e4\uc2dc\uac04 \ud22c\uc790 \ub9ac\ud3ec\ud2b8, \uadf8\ub9ac\uace0 AI \ubd84\uc11d\uc744 \ud1b5\ud55c \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ucd5c\uc801\ud654 \uc11c\ube44\uc2a4 \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub4e4 \uc11c\ube44\uc2a4\ub97c \ud1b5\ud574 2030 \uc138\ub300\ub294 \ubcf4\ub2e4 \uc27d\uace0 \uc2e0\uc18d\ud558\uac8c \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9b4 \uc218 \uc788\uac8c \ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c, \uae08\uc735 \uad50\uc721 \uac15\ud654\ub97c \uc704\ud55c \ub2e4\uc591\ud55c \uc138\ubbf8\ub098\uc640 \uc628\ub77c\uc778 \uac15\uc88c\uac00 \ud65c\uc131\ud654\ub418\uba74\uc11c, \ud22c\uc790 \ucd08\ubcf4\uc790\ub4e4\ub3c4 \uae30\ucd08\ubd80\ud130 \uccb4\uacc4\uc801\uc778 \uae08\uc735 \uc9c0\uc2dd\uc744 \uc2b5\ub4dd\ud560 \uc218 \uc788\ub294 \ud658\uacbd\uc774 \uc870\uc131\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ud55c \uae08\uc735 \uad50\uc721 \uae30\uad00\uc5d0\uc11c \uc9c4\ud589\ud55c \uc870\uc0ac\uc5d0 \ub530\ub974\uba74, \uae08\uc735 \uad50\uc721\uc744 \ubc1b\uc740 \uc80a\uc740 \uce35\uc740 \uadf8\ub807\uc9c0 \uc54a\uc740 \uce35\uc5d0 \ube44\ud574 \ud22c\uc790 \uc218\uc775\ub960\uc774 \ud3c9\uade0 15% \uc774\uc0c1 \ub192\uc740 \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4. \uc774\ub294 \ub2e8\uc21c\ud788 \uc815\ubcf4\uc758 \uc591\ubcf4\ub2e4\ub3c4 \uc62c\ubc14\ub978 \ud22c\uc790 \ub9c8\uc778\ub4dc\uc640 \uc804\ub7b5\uc758 \uc911\uc694\uc131\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.<\/p>\n<p>\uc774\uc678\uc5d0\ub3c4, \uc815\ubd80\uc640 \uae08\uc735 \ub2f9\uad6d\uc5d0\uc11c\ub3c4 \uccad\ub144\uce35\uc758 \uc790\uc0b0 \uc99d\uc2dd\uc744 \uc704\ud55c \ub2e4\uc591\ud55c \uc815\ucc45\uc744 \ub9c8\ub828 \uc911\uc5d0 \uc788\uc73c\uba70, \uc800\ucd95\uacfc \ud22c\uc790\ub97c \ubcd1\ud589\ud560 \uc218 \uc788\ub294 \ubcf5\ud569 \uae08\uc735 \uc0c1\ud488 \uac1c\ubc1c\uc5d0 \ubc15\ucc28\ub97c \uac00\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc815\ucc45\uc801 \uc9c0\uc6d0\uc740 \uc7a5\uae30\uc801\uc778 \uad00\uc810\uc5d0\uc11c \uccad\ub144\uce35\uc758 \uc7ac\uc815 \uc548\uc815\uc131\uc744 \ud06c\uac8c \ud5a5\uc0c1\uc2dc\ud0ac \uac83\uc73c\ub85c \uae30\ub300\ub418\uba70, \uad00\ub828 \ud1b5\uacc4 \uc5ed\uc2dc \uae0d\uc815\uc801\uc778 \ubcc0\ud654\ub97c \uc2dc\uc0ac\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uae08\uc735 \uc2dc\uc7a5\uc758 \uae00\ub85c\ubc8c\ud654\uc640 \ub514\uc9c0\ud138\ud654\ub294 \ud22c\uc790 \ud658\uacbd\uc5d0 \uc0c8\ub85c\uc6b4 \uae30\ud68c\ub97c \uc81c\uacf5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \ube14\ub85d\uccb4\uc778, \ud540\ud14c\ud06c, \uadf8\ub9ac\uace0 \uc778\uacf5\uc9c0\ub2a5 \ub4f1 \ud601\uc2e0 \uae30\uc220\uc758 \ubc1c\uc804\uc740 \uae30\uc874 \uae08\uc735 \uc2dc\uc7a5\uc758 \ud328\ub7ec\ub2e4\uc784\uc744 \uae09\uaca9\ud788 \ubcc0\ud654\uc2dc\ud0a4\uace0 \uc788\uc73c\uba70, \uc774\ub7ec\ud55c \ubcc0\ud654\uc5d0 \ub2a5\ub3d9\uc801\uc73c\ub85c \ub300\uc751\ud558\ub294 \uac83\uc774 2030\ub300 \ud22c\uc790\uc790\ub4e4\uc758 \ud575\uc2ec \uacfc\uc81c\ub85c \ub5a0\uc624\ub974\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubc30\uacbd \uc18d\uc5d0\uc11c \uc801\uae08\ub9cc\uc73c\ub85c\ub294 \ubbf8\ub798\uc758 \uc7ac\ubb34 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud558\uae30\uc5d0 \ubd80\uc871\ud558\ub2e4\ub294 \uc778\uc2dd\uc740 \ub354\uc6b1 \ud655\uace0\ud574\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uacb0\ub860\uc801\uc73c\ub85c, 2030\ub300\ub294 \ub2e8\uc21c\ud55c \uc801\uae08 \uc678\uc5d0\ub3c4 \ub2e4\uc591\ud55c \ud22c\uc790 \uc218\ub2e8\uacfc \uae08\uc735 \uc0c1\ud488\uc744 \ud65c\uc6a9\ud558\uc5ec \uc790\uc0b0\uc744 \ub2e4\uac01\ub3c4\ub85c \uc99d\uc2dd\ud558\ub294 \uc804\ub7b5\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc774\ub97c \uc704\ud574 \ubcf8 \uae00\uc5d0\uc11c\ub294 \uc804\ubc18\uc801\uc778 \ud22c\uc790 \ud658\uacbd \ubd84\uc11d\uacfc \ud568\uaed8, \uad6c\uccb4\uc801\uc778 \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131 \ubc29\ubc95, \ub9ac\uc2a4\ud06c \uad00\ub9ac \uc804\ub7b5, \uadf8\ub9ac\uace0 \ubbf8\ub798 \ud22c\uc790 \ud2b8\ub80c\ub4dc\uc5d0 \ub300\ud574 \uc2ec\ub3c4 \uc788\uac8c \ub2e4\ub8e8\uace0\uc790 \ud569\ub2c8\ub2e4.<\/p>\n<h2 id=\"1-%ec%a0%81%ea%b8%88%eb%a7%8c%ec%9c%bc%eb%a1%9c%eb%8a%94-%eb%b6%80%ec%a1%b1%ed%95%9c-%ec%83%81%ed%99%a9%ea%b3%bc-%ed%88%ac%ec%9e%90-%ed%95%84%ec%9a%94%ec%84%b1-VIalGZlCns\">1. \uc801\uae08\ub9cc\uc73c\ub85c\ub294 \ubd80\uc871\ud55c \uc0c1\ud669\uacfc \ud22c\uc790 \ud544\uc694\uc131<\/h2>\n<p>21\uc138\uae30 \ub4e4\uc5b4 \uc804 \uc138\uacc4 \uacbd\uc81c\ub294 \uacfc\uac70 \uc5b4\ub290 \ub54c\ubcf4\ub2e4 \ube60\ub974\uac8c \ubcc0\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uc800\uae08\ub9ac \uae30\uc870\uc640 \uacbd\uc81c \ubd88\ud655\uc2e4\uc131\uc774 \uc9c0\uc18d\ub418\uba74\uc11c \uc801\uae08\uc774\ub098 \uc608\uae08\ub9cc\uc73c\ub85c\ub294 \ub2e8\uae30\uc801 \uae08\uc735 \ubd88\uc548\uc740 \ud574\uc18c\ud560 \uc218 \uc788\uc73c\ub098, \uc7a5\uae30\uc801\uc73c\ub85c \uc790\uc0b0\uc744 \uc99d\uc2dd\ud558\ub294 \ub370\uc5d0\ub294 \ud55c\uacc4\uac00 \ubd84\uba85\ud574\uc84c\uc2b5\ub2c8\ub2e4. 2030\ub300\ub294 \uc911\uc694\ud55c \uacbd\uc81c\uc801 \uc804\ud658\uae30\uc5d0 \ud574\ub2f9\ud558\uba70, \uc774\ub4e4\uc740 \ubbf8\ub798\uc758 \uacb0\ud63c, \uc8fc\ud0dd, \uad50\uc721, \ub178\ud6c4 \ub4f1 \ub2e4\uc591\ud55c \uc7ac\uc815\uc801 \ubd80\ub2f4\uc744 \uace0\ub824\ud574\uc57c \ud558\ub294 \ub9cc\ud07c \ubcf4\ub2e4 \ub2e4\uac01\uc801\uc778 \uc790\uc0b0 \uad00\ub9ac \uc804\ub7b5\uc774 \uc694\uad6c\ub429\ub2c8\ub2e4.<\/p>\n<p>\uae30\uc874\uc758 \uc801\uae08\uc740 \uc548\uc804\uc131\uacfc \uc608\uce21 \uac00\ub2a5\ud55c \uc774\uc790 \uc218\uc775\uc744 \uc81c\uacf5\ud55c\ub2e4\ub294 \uc7a5\uc810\uc774 \uc788\uc9c0\ub9cc, \uae09\ubcc0\ud558\ub294 \uae08\uc735 \ud658\uacbd\uc5d0\uc11c\ub294 \uc778\ud50c\ub808\uc774\uc158\uc774\ub098 \uc800\uae08\ub9ac\ub85c \uc778\ud574 \uc2e4\uc9c8 \uad6c\ub9e4\ub825\uc774 \ud558\ub77d\ud560 \uc704\ud5d8\uc774 \uc874\uc7ac\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc9c0\ub09c 10\ub144\uac04 \uc801\uae08\uc758 \ud3c9\uade0 \uae08\ub9ac\uac00 2% \uc774\ud558\ub85c \uc720\uc9c0\ub418\uc5c8\uc73c\uba70, \uc774\uc5d0 \ubc18\ud574 \uc0dd\ud65c\ube44 \ubc0f \ubb3c\uac00 \uc0c1\uc2b9\ub960\uc740 \uadf8 \uc774\uc0c1\uc758 \uc18d\ub3c4\ub85c \uc0c1\uc2b9\ud558\uc600\uc2b5\ub2c8\ub2e4. \uc774\ub85c \uc778\ud574 \ub2e8\uc21c\ud55c \uc801\uae08 \ub9cc\uc73c\ub85c\ub294 \ubbf8\ub798\uc758 \uacbd\uc81c \uc0c1\ud669 \ubcc0\ud654\uc5d0 \ud6a8\uacfc\uc801\uc73c\ub85c \ub300\uc751\ud558\uae30 \uc5b4\ub835\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ucd5c\uadfc \uae08\uc735 \uc804\ubb38\uac00\ub4e4\uc774 \uc81c\uc2dc\ud55c \ubc14\uc640 \uac19\uc774, \uc801\uae08 \uc678\uc5d0\ub3c4 \uc8fc\uc2dd, \ucc44\uad8c, \ud380\ub4dc, \ubd80\ub3d9\uc0b0, \ud574\uc678 \ud22c\uc790 \ub4f1 \ub2e4\uc591\ud55c \uc790\uc0b0 \ubc30\ubd84 \uc804\ub7b5\uc740 \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \uc548\uc815\uc131\uacfc \uc218\uc775\uc131\uc744 \ub3d9\uc2dc\uc5d0 \ucda9\uc871\uc2dc\ud0ac \uc218 \uc788\ub294 \ubc29\ubc95\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub2e4\uac01\ud654 \uc804\ub7b5\uc744 \ud1b5\ud574 \uac1c\ubcc4 \uc790\uc0b0\uad70\uc758 \ubcc0\ub3d9\uc131\uc5d0 \ub530\ub978 \uc704\ud5d8\uc744 \ubd84\uc0b0\ud558\uace0, \uc7a5\uae30\uc801\uc778 \ud22c\uc790 \uc218\uc775\ub960\uc744 \uadf9\ub300\ud654\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub354\ubd88\uc5b4, \uac01 \uc790\uc0b0\uad70\ubcc4 \ud2b9\uc131\uc744 \uba74\ubc00\ud788 \ubd84\uc11d\ud558\uba74 \ubcf4\ub2e4 \ud6a8\uacfc\uc801\uc778 \ub9ac\uc2a4\ud06c \uad00\ub9ac\ub3c4 \uac00\ub2a5\ud574\uc9d1\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c, \uc9c0\uae08\uacfc \uac19\uc774 \ub514\uc9c0\ud138 \uae08\uc735\uc774 \ud65c\uc131\ud654\ub41c \uc2dc\ub300\uc5d0\ub294 AI \uae30\ubc18 \ud22c\uc790 \uc5b4\ub4dc\ubc14\uc774\uc800, \ubaa8\ubc14\uc77c \uc99d\uad8c \uc571, \uadf8\ub9ac\uace0 \uc2e4\uc2dc\uac04 \ub370\uc774\ud130 \ubd84\uc11d \ub3c4\uad6c \ub4f1\uc744 \ud1b5\ud574 \uc18c\ube44\uc790 \uc2a4\uc2a4\ub85c\uac00 \ubcf4\ub2e4 \uccb4\uacc4\uc801\uc774\uace0 \uc2e0\ub8b0\uc131 \uc788\ub294 \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9b4 \uc218 \uc788\uac8c \ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uae30\uc220 \ubc1c\uc804\uc740 \uc804\ud1b5\uc801\uc778 \uc801\uae08\ub9cc\uc744 \uace0\uc218\ud558\ub358 2030\ub300\uc5d0\uac8c \uc0c8\ub85c\uc6b4 \ub3c4\uc804 \uc601\uc5ed\uc744 \uc81c\uacf5\ud558\uba70, \uc790\uc0b0 \uc99d\uc2dd\uc758 \ub2e4\uc591\ud55c \uac00\ub2a5\uc131\uc744 \uc5f4\uc5b4\uc90d\ub2c8\ub2e4.<\/p>\n<p>\uc2e4\uc81c\ub85c \uc5ec\ub7ec \uae08\uc735 \uae30\uad00\uc5d0\uc11c\ub294 \uccad\ub144\uce35\uc744 \uc704\ud55c \ub9de\ucda4\ud615 \ud22c\uc790 \uc0c1\ud488\uacfc \uc815\ubcf4 \uc11c\ube44\uc2a4\ub97c \ucd9c\uc2dc\ud558\uba70, \uc774\ub4e4\uc758 \ud22c\uc790 \uacbd\ud5d8\uc744 \ud5a5\uc0c1\uc2dc\ud0a4\uae30 \uc704\ud55c \ub2e4\uc591\ud55c \uc2dc\ub3c4\ub4e4\uc744 \uc9c4\ud589 \uc911\uc785\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, A \uae08\uc735\uae30\uad00\uc740 \uccad\ub144\ub4e4\uc744 \ub300\uc0c1\uc73c\ub85c \uc18c\uc561\uc73c\ub85c \uc2dc\uc791\ud560 \uc218 \uc788\ub294 \uc8fc\uc2dd\ud22c\uc790 \uc11c\ube44\uc2a4\uc640 \ud568\uaed8, \uc790\ub3d9 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc870\uc815 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\uc5ec \ud22c\uc790 \ub9ac\uc2a4\ud06c\ub97c \ud06c\uac8c \uc904\uc77c \uc218 \uc788\uc74c\uc744 \uc785\uc99d\ud558\uc600\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub178\ub825\ub4e4\uc740 \uae30\uc874\uc758 \uc801\uae08 \uc704\uc8fc\uc758 \uae08\uc735 \uc2b5\uad00\uc5d0\uc11c \ubc97\uc5b4\ub098, \ubcf4\ub2e4 \uc801\uadf9\uc801\uc774\uace0 \ubd84\uc0b0\ub41c \ud22c\uc790 \uc804\ub7b5\uc73c\ub85c \uc804\ud658\ud574\uc57c \ud568\uc744 \uac15\uc870\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub354\ubd88\uc5b4, \uc801\uae08\ub9cc\uc73c\ub85c\ub294 \uc5bb\uae30 \ud798\ub4e0 \uc790\uc0b0\uc758 \uc720\ub3d9\uc131 \ud655\ubcf4, \ub2e4\uc591\ud55c \ud22c\uc790 \uae30\ud68c\uc758 \ud3ec\ucc29, \uadf8\ub9ac\uace0 \uc778\ud50c\ub808\uc774\uc158 \ub300\ube44 \ud6a8\uacfc \ub4f1\uc740 \ud604\ub300 \uae08\uc735 \uc2dc\uc7a5\uc5d0\uc11c \ud544\uc218\uc801\uc778 \uc694\uc18c\ub85c \ubd80\uac01\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788, \uae00\ub85c\ubc8c \uacbd\uc81c\uc758 \ubd88\uc548\uc815\uc131 \ubc0f \ucf54\ub85c\ub09819 \ud32c\ub370\ubbf9\uacfc \uac19\uc740 \uc704\uae30 \uc0c1\ud669\uc5d0\uc11c\ub294 \ub2e8\uc77c \uc790\uc0b0\uad70\uc5d0 \uc758\uc874\ud55c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ubcf4\ub2e4 \ub2e4\uac01\ud654\ub41c \ud22c\uc790 \uc804\ub7b5\uc774 \ub354\uc6b1 \uc694\uad6c\ub429\ub2c8\ub2e4. \uc2e4\uc81c\ub85c \ud32c\ub370\ubbf9 \uae30\uac04 \ub3d9\uc548 \ub2e4\uac01\ud654\ub41c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\ucd95\ud55c \ud22c\uc790\uc790\ub4e4\uc740 \ub2e8\uc21c \uc801\uae08 \ud22c\uc790\uc790\ub4e4\uc5d0 \ube44\ud574 \ud3c9\uade0 20% \uc774\uc0c1\uc758 \ud22c\uc790 \uc218\uc775\ub960\uc744 \uae30\ub85d\ud558\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub354 \ub098\uc544\uac00, \ud22c\uc790\uc5d0 \ub300\ud55c \uc778\uc2dd \ubcc0\ud654\ub294 \uc0ac\ud68c \uc804\ubc18\uc5d0 \uac78\uccd0 \uae08\uc735 \uad50\uc721\uacfc \uc815\ubcf4 \uc811\uadfc\uc131\uc744 \uac1c\uc120\ud558\ub294 \ub370\uc5d0\ub3c4 \uae30\uc5ec\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc815\ubd80\uc640 \ubbfc\uac04 \uae08\uc735 \uad50\uc721 \uae30\uad00\uc740 \uccad\ub144\ub4e4\uc744 \uc704\ud55c \ub2e4\uc591\ud55c \uc138\ubbf8\ub098, \uc628\ub77c\uc778 \uac15\uc88c, \uadf8\ub9ac\uace0 \ub9de\ucda4\ud615 \ud22c\uc790 \uc6cc\ud06c\uc20d\uc744 \uac1c\ucd5c\ud558\uba70, \uc774\ub4e4\uc744 \ub300\uc0c1\uc73c\ub85c \ud22c\uc790 \uc6d0\ub9ac\uc640 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131 \ubc29\ubc95\uc5d0 \ub300\ud574 \uad50\uc721\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \ub2e8\uc21c\ud55c \uc774\ub860 \ud559\uc2b5\uc744 \ub118\uc5b4, \uc2e4\uc81c \ud22c\uc790 \uacbd\ud5d8\uc744 \uc313\uc744 \uc218 \uc788\ub294 \uc2e4\uc9c8\uc801\uc778 \ub3c4\uc6c0\uc744 \uc8fc\uace0 \uc788\uc73c\uba70, \uccad\ub144\uce35 \uc0ac\uc774\uc5d0\uc11c \ud22c\uc790\uc5d0 \ub300\ud55c \uae0d\uc815\uc801\uc778 \uc778\uc2dd\uc744 \ud655\uc0b0\uc2dc\ud0a4\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uc5ec\ub7ec \uad6d\ub0b4\uc678 \ud22c\uc790 \uc0ac\ub840\uc640 \ud1b5\uacc4\ub97c \ud1b5\ud574 \ub2e8\uc21c \uc800\ucd95\uc774 \uc544\ub2cc \ub2e4\uac01\ub3c4 \ud22c\uc790 \uc804\ub7b5\uc758 \ud544\uc694\uc131\uc774 \ud655\uace0\ud558\uac8c \uc785\uc99d\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uae08\uc735 \uc2dc\uc7a5 \ubd84\uc11d \ubcf4\uace0\uc11c\uc5d0 \ub530\ub974\uba74, 2030\ub300\uc758 \uacbd\uc6b0 \ub2e4\uc591\ud55c \uae08\uc735 \uc0c1\ud488\uc5d0 \ubd84\uc0b0 \ud22c\uc790\ud560 \ub54c \ud3c9\uade0 \uc704\ud5d8 \uc870\uc815 \uc218\uc775\ub960\uc774 \ub2e8\uc77c \uc801\uae08 \ud22c\uc790 \ub300\ube44 2\ubc30 \uc774\uc0c1 \ub192\uac8c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4. \uc774\uc5d0 \ub530\ub77c \ubbf8\ub798\uc758 \uc7ac\uc815 \uac74\uc804\uc131\uc744 \uc704\ud574\uc11c\ub294 \uae30\uc874\uc758 \uc801\uae08 \ud22c\uc790 \uc678\uc5d0\ub3c4 \ubcf4\ub2e4 \ud3ed\ub113\uc740 \uae08\uc735 \uc0c1\ud488\uacfc \uc804\ub7b5\uc744 \ubcd1\ud589\ud574\uc57c \ud55c\ub2e4\ub294 \uc810\uc740 \uacb0\ucf54 \uac04\uacfc\ud574\uc11c\ub294 \uc548 \ub420 \uc911\uc694\ud55c \uc0ac\uc2e4\uc785\ub2c8\ub2e4.<\/p>\n<p>\uacb0\ub860\uc801\uc73c\ub85c, \uc801\uae08\ub9cc\uc73c\ub85c\ub294 \ubbf8\ub798\uc758 \uacbd\uc81c \ubd88\ud655\uc2e4\uc131\uacfc \uc778\ud50c\ub808\uc774\uc158 \uc555\ub825\uc744 \uacac\ub514\uae30\uc5d0\ub294 \ud55c\uacc4\uac00 \uc788\uc73c\uba70, 2030\ub300\ub294 \ub2e4\uac01\ud654\ub41c \ud22c\uc790 \uc804\ub7b5\uc744 \ud1b5\ud574 \uc790\uc0b0\uc744 \ubcf4\ub2e4 \ud6a8\uc728\uc801\uc73c\ub85c \uc99d\uc2dd\ud558\uace0 \ub9ac\uc2a4\ud06c\ub97c \uad00\ub9ac\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud544\uc694\uc131\uc740 \ub2e8\uc21c\ud55c \uc774\ub860\uc774 \uc544\ub2c8\ub77c, \uc2e4\uc81c \ud22c\uc790 \uc2dc\uc7a5\uc5d0\uc11c \uac80\uc99d\ub41c \uc0ac\ub840\uc640 \ud1b5\uacc4\ub97c \ud1b5\ud574 \uba85\ubc31\ud558\uac8c \ub4dc\ub7ec\ub098\uace0 \uc788\uc73c\uba70, \uc55e\uc73c\ub85c\uc758 \uae08\uc735 \uad50\uc721 \ubc0f \uc815\ucc45 \ubc29\ud5a5\uc5d0\ub3c4 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce60 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<h2 id=\"2-2030%eb%8c%80-%eb%a7%9e%ec%b6%a4%ed%98%95-%ed%88%ac%ec%9e%90-%ec%a0%84%eb%9e%b5%ea%b3%bc-%ed%8f%ac%ed%8a%b8%ed%8f%b4%eb%a6%ac%ec%98%a4-%ea%b5%ac%ec%84%b1-VIalGZlCns\">2. 2030\ub300 \ub9de\ucda4\ud615 \ud22c\uc790 \uc804\ub7b5\uacfc \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131<\/h2>\n<p>2030\ub300\uc758 \ud22c\uc790 \uc804\ub7b5\uc740 \uadf8\ub4e4\uc758 \uc0dd\ud65c \ud328\ud134, \uc7ac\ubb34 \ubaa9\ud45c, \uc704\ud5d8 \uc120\ud638\ub3c4 \ub4f1 \ub2e4\uc591\ud55c \uc694\uc778\uc5d0 \ub530\ub77c \ub9de\ucda4\ud615\uc73c\ub85c \uad6c\ucd95\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4. \uc624\ub298\ub0a0 \uccad\ub144 \ud22c\uc790\uc790\ub4e4\uc740 \ub2e8\uc21c\ud55c \uc548\uc804 \uc790\uc0b0\uc5d0 \uba38\ubb34\ub974\uc9c0 \uc54a\uace0, \ubbf8\ub798 \uc131\uc7a5 \uc7a0\uc7ac\ub825\uc744 \ubc18\uc601\ud55c \ub2e4\uc591\ud55c \uc790\uc0b0\uad70\uc5d0 \uad00\uc2ec\uc744 \uac16\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\uc5d0 \ub530\ub77c \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131\uc740 \ub2e8\uc77c \uc790\uc0b0\uc5d0 \uce58\uc6b0\uce58\ub294 \uac83\uc774 \uc544\ub2c8\ub77c, \uc8fc\uc2dd, \ucc44\uad8c, \ud380\ub4dc, ETF, \ub300\uccb4 \ud22c\uc790, \uadf8\ub9ac\uace0 \ub514\uc9c0\ud138 \uc790\uc0b0 \ub4f1 \uc5ec\ub7ec \ud22c\uc790 \uc218\ub2e8\uc758 \uade0\ud615 \uc7a1\ud78c \uc870\ud569\uc744 \ud1b5\ud574 \uc774\ub8e8\uc5b4\uc838\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\uccab\uc9f8, 2030\ub300 \ud22c\uc790\uc790\ub4e4\uc740 \uc790\uc0b0 \uc99d\uc2dd\uacfc \ud568\uaed8 \uc5b8\uc81c\ub4e0\uc9c0 \uc720\ub3d9\uc131\uc744 \ud655\ubcf4\ud560 \uc218 \uc788\ub294 \uad6c\uc870\uac00 \ud544\uc694\ud569\ub2c8\ub2e4. \uc774\ub97c \uc704\ud574 \ub2e8\uae30\uc801 \uc790\uae08 \uc6b4\uc6a9\uacfc \uc7a5\uae30\uc801 \ud22c\uc790 \ubaa9\ud45c\ub97c \ub3d9\uc2dc\uc5d0 \uace0\ub824\ud55c \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc0dd\ud65c\ube44 \ubc0f \uae34\uae09 \uc790\uae08\uc740 \uc800\uc704\ud5d8\uc758 \ud604\uae08\uc131 \uc790\uc0b0\uc774\ub098 \ub2e8\uae30 \uae08\uc735 \uc0c1\ud488\uc5d0 \ubc30\ubd84\ud558\uace0, \uc7a5\uae30\uc801 \uc790\uc0b0 \uc99d\uc2dd\uc744 \uc704\ud574\uc11c\ub294 \uc131\uc7a5\uc131\uc774 \ub192\uc740 \uc8fc\uc2dd\uc774\ub098 \ud380\ub4dc\uc5d0 \ud22c\uc790\ud558\ub294 \ubc29\uc2dd\uc774 \ud6a8\uacfc\uc801\uc785\ub2c8\ub2e4. \uc2e4\uc81c \uc0ac\ub840\ub85c, B \uc99d\uad8c\uc0ac\uc758 \uccad\ub144 \ud22c\uc790 \uc0ac\ub840\uc5d0\uc11c\ub294 \uc6d4 \uc18c\ub4dd\uc758 10~20%\ub97c \ube44\uc0c1 \uc790\uae08\uc73c\ub85c \ud655\ubcf4\ud558\uba74\uc11c, \ub098\uba38\uc9c0 \uae08\uc561\uc744 \uc8fc\uc2dd\uacfc \ud380\ub4dc\uc5d0 \ubd84\uc0b0 \ud22c\uc790\ud55c \uacb0\uacfc \ud3c9\uade0 \uc5f0 \uc218\uc775\ub960 8~10%\ub97c \ub2ec\uc131\ud55c \ubc14 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub458\uc9f8, \uc8fc\uc2dd \uc2dc\uc7a5\uc5d0\uc11c\uc758 \ud22c\uc790 \ube44\uc911\uc740 \uc0b0\uc5c5 \ud2b8\ub80c\ub4dc\uc640 \uac1c\ubcc4 \uae30\uc5c5\uc758 \ud380\ub354\uba58\ud138 \ubd84\uc11d\uc744 \ud1b5\ud574 \uc870\uc808\ud574\uc57c \ud569\ub2c8\ub2e4. 2030\ub300\ub294 \uae30\uc220, \ubc14\uc774\uc624, \uce5c\ud658\uacbd \uc5d0\ub108\uc9c0 \ub4f1 \ubbf8\ub798 \uc131\uc7a5 \uc0b0\uc5c5\uc5d0 \ud070 \uad00\uc2ec\uc744 \ubcf4\uc774\uace0 \uc788\uc73c\uba70, \uc774\ub7ec\ud55c \ubd84\uc57c\uc5d0\uc11c\uc758 \ud22c\uc790 \uae30\ud68c\ub97c \ud3ec\ucc29\ud558\uae30 \uc704\ud55c \uc138\ubc00\ud55c \uc2dc\uc7a5 \uc870\uc0ac\uc640 \ubd84\uc11d\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \ub2e4\uc591\ud55c \ubd84\uc11d \ub3c4\uad6c\uc640 \ub370\uc774\ud130 \uae30\ubc18 \ud22c\uc790 \ud50c\ub7ab\ud3fc\uc744 \ud65c\uc6a9\ud558\uba74, \ub2e8\uae30\uc801\uc778 \uc2dc\uc7a5 \ubcc0\ub3d9\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc7a5\uae30\uc801\uc778 \uc131\uc7a5 \uac00\ub2a5\uc131\uc744 \ubcf4\uc720\ud55c \uae30\uc5c5\ub4e4\uc5d0 \uc9d1\uc911\ud558\ub294 \uc804\ub7b5\uc744 \uc138\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc14b\uc9f8, \ucc44\uad8c \ubc0f \uace0\uc815 \uc218\uc775 \uc790\uc0b0\uc740 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ub0b4 \uc548\uc815\uc131\uc744 \ub192\uc774\ub294 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \ud2b9\ud788, \uacbd\uc81c \ubd88\uc548 \uc2dc\uae30\uc5d0\ub294 \uc8fc\uc2dd \ub4f1 \ubcc0\ub3d9\uc131 \uc790\uc0b0\uc758 \ud558\ub77d \ud3ed\uc744 \uc5b4\ub290 \uc815\ub3c4 \uc0c1\uc1c4\ud560 \uc218 \uc788\ub294 \uc5ed\ud560\uc744 \uc218\ud589\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uad00\uc810\uc5d0\uc11c 2030\ub300 \ud22c\uc790\uc790\ub4e4\uc740 \uc8fc\uc2dd \ud22c\uc790\uc640 \ub354\ubd88\uc5b4 \uad6d\ucc44, \ud68c\uc0ac\ucc44, \ub610\ub294 \uc6b0\ub7c9 \ucc44\uad8c \ud380\ub4dc \ub4f1\uc744 \uc801\uc808\ud788 \ud3ec\ud568\uc2dc\ucf1c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \ub9ac\uc2a4\ud06c\ub97c \ubd84\uc0b0\ud558\ub294 \uac83\uc774 \ubc14\ub78c\uc9c1\ud569\ub2c8\ub2e4. \uc804\ubb38\uac00\ub4e4\uc758 \uad8c\uace0\uc5d0 \ub530\ub974\uba74, \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 40~60% \uc815\ub3c4\ub97c \uace0\uc815 \uc218\uc775 \uc790\uc0b0\uc5d0 \ubc30\ubd84\ud558\ub294 \uac83\uc774 \uc548\uc815\uc801\uc778 \uc790\uc0b0 \uc6b4\uc6a9\uc5d0 \ub3c4\uc6c0\uc774 \ub41c\ub2e4\uace0 \ud569\ub2c8\ub2e4.<\/p>\n<p>\ub137\uc9f8, \ub300\uccb4 \ud22c\uc790 \uc790\uc0b0\uc73c\ub85c\ub294 \ubd80\ub3d9\uc0b0 \uac04\uc811 \ud22c\uc790, \uc6d0\uc790\uc7ac, \ub610\ub294 \ud574\uc678 ETF \ub4f1 \ub2e4\uc591\ud55c \uc635\uc158\uc744 \uace0\ub824\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uad6d\ub0b4 \ubd80\ub3d9\uc0b0 \uc2dc\uc7a5\uc774 \uc548\uc815\uc131\uc744 \ubcf4\uc774\uba74\uc11c\ub3c4 \uae08\ub9ac \ud558\ub77d\uacfc \uc778\ud50c\ub808\uc774\uc158 \ub300\ube44 \ud6a8\uacfc\uac00 \uc788\ub294 \ubd80\ub3d9\uc0b0 \ub9ac\uce20(REITs) \ub4f1\uc774 \uc80a\uc740 \ud22c\uc790\uc790\ub4e4 \uc0ac\uc774\uc5d0\uc11c \uc810\ucc28 \uc778\uae30\ub97c \uc5bb\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud22c\uc790 \ubc29\ubc95\uc740 \ud070 \ucd08\uae30 \uc790\ubcf8 \uc5c6\uc774\ub3c4 \ubd80\ub3d9\uc0b0 \uc2dc\uc7a5\uc5d0 \ucc38\uc5ec\ud560 \uc218 \uc788\ub294 \uae30\ud68c\ub97c \uc81c\uacf5\ud558\uba70, \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \ubd84\uc0b0 \ud22c\uc790 \ud6a8\uacfc\ub97c \uadf9\ub300\ud654\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub2e4\uc12f\uc9f8, \ub514\uc9c0\ud138 \uc790\uc0b0\uacfc \uc554\ud638\ud654\ud3d0 \uc2dc\uc7a5 \uc5ed\uc2dc \ucd5c\uadfc 2030\ub300\uc758 \ud22c\uc790 \uad00\uc2ec \ub300\uc0c1 \uc911 \ud558\ub098\uc785\ub2c8\ub2e4. \ubb3c\ub860, \uc554\ud638\ud654\ud3d0 \ud22c\uc790\uc5d0\ub294 \ub192\uc740 \ubcc0\ub3d9\uc131\uacfc \ub9ac\uc2a4\ud06c\uac00 \uc218\ubc18\ub418\uc9c0\ub9cc, \uae30\uc220\uc758 \ubc1c\uc804 \ubc0f \ube14\ub85d\uccb4\uc778 \uc0dd\ud0dc\uacc4 \ud655\uc7a5\uc5d0 \ub530\ub978 \uc131\uc7a5 \uac00\ub2a5\uc131\uc744 \uace0\ub824\ud558\uba74 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc5d0 \uc18c\uc561\uc758 \ube44\uc911\uc73c\ub85c \ud3ec\ud568\uc2dc\ud0a4\ub294 \uac83\ub3c4 \uc804\ub7b5\uc801\uc73c\ub85c \uc758\ubbf8\uac00 \uc788\uc2b5\ub2c8\ub2e4. \ucd5c\uadfc \ud1b5\uacc4\uc5d0 \ub530\ub974\uba74, \uc77c\ubd80 \uc80a\uc740 \ud22c\uc790\uc790\ub4e4\uc740 \uc804\uccb4 \ud22c\uc790\uae08\uc758 5% \ubbf8\ub9cc\uc744 \uc554\ud638\ud654\ud3d0\uc5d0 \ud22c\uc790\ud558\uba70, \uc774\ub294 \ud3ed\ubc1c\uc801 \uc131\uc7a5 \uac00\ub2a5\uc131\uacfc \ub3d9\uc2dc\uc5d0 \uac10\ub0b4\ud560 \uc218 \uc788\ub294 \uc190\uc2e4 \ubc94\uc704 \ub0b4\uc5d0\uc11c \uc774\ub8e8\uc5b4\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc5ec\uc12f\uc9f8, \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131\uc5d0 \uc788\uc5b4 \ub9de\ucda4\ud615 \uc804\ub7b5\uc774 \uc911\uc694\ud55c \uc774\uc720\ub294 \uac01 \uac1c\uc778\uc758 \uc7ac\ubb34 \uc0c1\ud669, \ud22c\uc790 \ubaa9\uc801, \uadf8\ub9ac\uace0 \uc704\ud5d8 \uc120\ud638\ub3c4\uac00 \ub2e4\ub974\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ub2e8\uae30\uc801 \uc790\uc0b0 \uc99d\uc2dd\uc744 \ubaa9\ud45c\ub85c \ud558\ub294 \ud22c\uc790\uc790\uc640 \uc7a5\uae30\uc801 \uc790\uc0b0 \ubcf4\uc874 \ubc0f \uc99d\uc2dd\uc744 \ubaa9\ud45c\ub85c \ud558\ub294 \ud22c\uc790\uc790\ub294 \uc11c\ub85c \ub2e4\ub978 \ud22c\uc790 \uc804\ub7b5\uc744 \uc694\uad6c\ud558\uac8c \ub429\ub2c8\ub2e4. \uc774\uc640 \uac19\uc740 \uc774\uc720\ub85c, \ud22c\uc790 \uc804\ubb38\uac00\ub4e4\uc740 \ud22c\uc790\uc790\uc640\uc758 1:1 \ub9de\ucda4 \uc0c1\ub2f4\uacfc \uc7ac\ubb34 \ubd84\uc11d\uc744 \ud1b5\ud574 \uac01\uc790\uc758 \uc0c1\ud669\uc5d0 \ucd5c\uc801\uc778 \uc790\uc0b0 \ubc30\ubd84 \ube44\uc728\uacfc \ud22c\uc790 \uc0c1\ud488\uc744 \ucd94\ucc9c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc77c\uacf1\uc9f8, \ub2e4\uc591\ud55c \ud22c\uc790 \uc804\ub7b5\uc744 \uc2e4\ud589\ud568\uc5d0 \uc788\uc5b4 \uac00\uc7a5 \uc911\uc694\ud55c \uc694\uc18c \uc911 \ud558\ub098\ub294 \uc815\uae30\uc801\uc778 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ub9ac\ubc38\ub7f0\uc2f1\uc785\ub2c8\ub2e4. \uc2dc\uc7a5 \uc0c1\ud669, \uac1c\uc778 \uc7ac\ubb34 \uc0c1\ud669, \uadf8\ub9ac\uace0 \uacbd\uc81c \uc804\ub9dd\uc758 \ubcc0\ud654\uc5d0 \ub530\ub77c \ud22c\uc790 \ube44\uc911\uc744 \uc870\uc815\ud558\ub294 \uac83\uc740 \uc7a5\uae30\uc801\uc778 \ud22c\uc790 \uc131\uacf5\uc758 \ud575\uc2ec \uc694\uc18c\uc785\ub2c8\ub2e4. \ud22c\uc790\uc790\ub4e4\uc740 \ucd5c\uc18c \uc5f0 1\ud68c, \ub610\ub294 \uc911\uc694\ud55c \uacbd\uc81c \uc774\ubca4\ud2b8 \ud6c4\uc5d0 \uc2a4\uc2a4\ub85c\uc758 \uc790\uc0b0 \ubd84\ubc30\ub97c \uc7ac\uac80\ud1a0\ud558\uba70, \ud544\uc694\uc2dc \uc804\ubb38\uac00\uc758 \uc870\uc5b8\uc744 \ubc1b\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uc5f0\uad6c \uacb0\uacfc\uc5d0 \ub530\ub974\uba74, \uc815\uae30\uc801\uc778 \ub9ac\ubc38\ub7f0\uc2f1\uc744 \ud1b5\ud574 \uc704\ud5d8 \uc870\uc815 \uc218\uc775\ub960\uc774 \ud3c9\uade0 10~15% \ud5a5\uc0c1\ub420 \uc218 \uc788\uc74c\uc744 \ubcf4\uc5ec\uc8fc\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc5ec\ub35f\uc9f8, \ucd5c\uadfc \ub514\uc9c0\ud138 \uae08\uc735 \ud50c\ub7ab\ud3fc\uc758 \ubc1c\uc804\uc740 2030\ub300\uac00 \ubcf4\ub2e4 \uc27d\uace0 \ud6a8\uc728\uc801\uc73c\ub85c \ud22c\uc790\uc5d0 \uc811\uadfc\ud560 \uc218 \uc788\ub3c4\ub85d \ub3d5\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc5ec\ub7ec \ubaa8\ubc14\uc77c \uc571\uacfc \uc628\ub77c\uc778 \ud50c\ub7ab\ud3fc\uc740 \ub2e4\uc591\ud55c \uae08\uc735 \uc0c1\ud488\uacfc \ub370\uc774\ud130\ub97c \ud55c\ub208\uc5d0 \ube44\uad50\ud560 \uc218 \uc788\uac8c \ud558\uba70, \ud22c\uc790 \ub9ac\ud3ec\ud2b8, \uc2dc\uc138 \ubd84\uc11d, \uadf8\ub9ac\uace0 \ub9de\ucda4\ud615 \ucd94\ucc9c \uae30\ub2a5\uc744 \uc81c\uacf5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uae30\uc220\uc740 \ud22c\uc790\uc790\ub4e4\uc774 \uc2dc\uc7a5 \ud750\ub984\uc744 \ubcf4\ub2e4 \uc815\ud655\ud558\uac8c \ud30c\uc545\ud558\uace0, \uc2e0\uc18d\ud558\uac8c \uc758\uc0ac \uacb0\uc815\uc744 \ub0b4\ub9b4 \uc218 \uc788\ub3c4\ub85d \ud558\ub294 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc544\ud649\uc9f8, \ud22c\uc790 \uc804\ub7b5 \uc218\ub9bd\uc5d0 \uc788\uc5b4 \uc131\uacf5\uc801\uc778 \uc0ac\ub840\uc640 \uc2e4\ud328 \uc0ac\ub840 \ubaa8\ub450\ub97c \uba74\ubc00\ud788 \ubd84\uc11d\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc2e4\uc81c\ub85c \uc5ec\ub7ec \ud22c\uc790 \uc0ac\ub840 \uc5f0\uad6c\uc5d0\uc11c, \ucd08\uae30 \ud22c\uc790 \ubaa9\ud45c\ub97c \uba85\ud655\ud788 \ud558\uace0 \uafb8\uc900\ud55c \uc2e4\ucc9c\uacfc \ub9ac\uc2a4\ud06c \uad00\ub9ac\ub97c \ud1b5\ud574 \uc131\uacf5\ud55c \uc0ac\ub840\ub4e4\uc774 \ub2e4\uc218 \ubcf4\uace0\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\uba74, \ub2e8\uae30\uc801 \uc218\uc775\ub960\uc5d0\ub9cc \uc9d1\ucc29\ud558\uac70\ub098 \uac10\uc815\uc5d0 \uc758\ud55c \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9b0 \uacb0\uacfc \uc190\uc2e4\uc744 \ubcf8 \uacbd\uc6b0\ub3c4 \ube48\ubc88\ud788 \ub098\ud0c0\ub098\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c, \uc131\uacf5\ud55c \ud22c\uc790\uc790\ub4e4\uc758 \ud328\ud134\uc744 \ud559\uc2b5\ud558\uace0 \uc2e4\ud328 \uc0ac\ub840\uc5d0\uc11c \uad50\ud6c8\uc744 \uc5bb\ub294 \uc790\uc138\uac00 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc5f4\uc9f8, \ub9de\ucda4\ud615 \ud22c\uc790 \uc804\ub7b5\uacfc \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131\uc740 \ub2e8\uc21c\ud788 \uc7ac\ubb34\uc801 \ubaa9\ud45c \ub2ec\uc131\uc5d0 \uadf8\uce58\uc9c0 \uc54a\uace0, \uc7a5\uae30\uc801\uc73c\ub85c \uc9c0\uc18d \uac00\ub2a5\ud55c \uae08\uc735 \uc0dd\ud65c\uc744 \uc704\ud55c \uae30\ubc18 \ub9c8\ub828\uc5d0\ub3c4 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \uc774\ub7f0 \uad00\uc810\uc5d0\uc11c 2030\ub300\ub294 \ud22c\uc790 \uc218\uc775\ub960\ubfd0 \uc544\ub2c8\ub77c, \uacbd\uc81c \ubd88\ud669, \uae00\ub85c\ubc8c \uc704\uae30 \uc0c1\ud669 \ub4f1 \uc5ec\ub7ec \ubcc0\uc218\uc5d0 \ub300\ube44\ud558\uc5ec \uc548\uc815\uc801\uc778 \uc790\uc0b0 \uad6c\uc131 \ubc29\uc548\uc744 \ud56d\uc0c1 \uace0\ubbfc\ud574\uc57c \ud569\ub2c8\ub2e4. \uc804\ubb38\uac00\ub4e4\uc740 \uccad\ub144\uce35\uc774 \ub2e4\uc591\ud55c \uae08\uc735 \uc0c1\ud488\uc5d0 \uad00\uc2ec\uc744 \uae30\uc6b8\uc774\uace0, \uc2a4\uc2a4\ub85c\uc758 \ud22c\uc790 \uc5ed\ub7c9 \uac15\ud654\ub97c \uc704\ud574 \uafb8\uc900\ud788 \uae08\uc735 \uad50\uc721\uc744 \uc218\uac15\ud560 \uac83\uc744 \uc801\uadf9 \uad8c\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc885\ud569\ud558\uba74, 2030\ub300 \ub9de\ucda4\ud615 \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131\uc744 \uc704\ud574\uc11c\ub294 \uac1c\uc778\uc758 \uc7ac\ubb34 \uc0c1\ud669\uc5d0 \ub530\ub978 \ucc28\ubcc4\ud654\ub41c \uc804\ub7b5 \ubc0f \uc790\uc0b0 \ubc30\ubd84\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \ub2e8\uae30\uc801 \uc720\ub3d9\uc131\uacfc \uc7a5\uae30\uc801 \uc131\uc7a5, \uadf8\ub9ac\uace0 \uc548\uc804\uc131\uacfc \uc218\uc775\uc131\uc744 \ub3d9\uc2dc\uc5d0 \uace0\ub824\ud558\ub294 \ub9de\ucda4\ud615 \uc804\ub7b5\uc774 \ubbf8\ub798 \uae08\uc735 \uc548\uc815\uc131\uc744 \ubcf4\uc7a5\ud560 \uc218 \uc788\ub294 \ud575\uc2ec \uc5f4\uc1e0\uc784\uc744 \ub2e4\uc2dc \ud55c \ubc88 \uac15\uc870\ud569\ub2c8\ub2e4.<\/p>\n<h2 id=\"3-%eb%b6%84%ec%82%b0-%ed%88%ac%ec%9e%90%ec%99%80-%eb%a6%ac%ec%8a%a4%ed%81%ac-%ea%b4%80%eb%a6%ac%ec%9d%98-%ec%a4%91%ec%9a%94%ec%84%b1-VIalGZlCns\">3. \ubd84\uc0b0 \ud22c\uc790\uc640 \ub9ac\uc2a4\ud06c \uad00\ub9ac\uc758 \uc911\uc694\uc131<\/h2>\n<p>\ubd84\uc0b0 \ud22c\uc790\ub294 \ud604\ub300 \ud22c\uc790 \uc804\ub7b5\uc758 \ud575\uc2ec \uc6d0\uce59 \uc911 \ud558\ub098\ub85c, \ud55c \uac00\uc9c0 \uc790\uc0b0\uad70\uc5d0 \uacfc\ub3c4\ud558\uac8c \uc758\uc874\ud558\uc9c0 \uc54a\uace0 \ub2e4\uc591\ud55c \uc790\uc0b0\uc5d0 \ubd84\uc0b0 \ud22c\uc790\ud568\uc73c\ub85c\uc368 \uc608\uc0c1\uce58 \ubabb\ud55c \uacbd\uc81c \uc704\uae30\ub098 \uc2dc\uc7a5 \ubcc0\ub3d9\uc131\uc5d0 \ub300\uc751\ud560 \uc218 \uc788\ub3c4\ub85d \ub3d5\uc2b5\ub2c8\ub2e4. 2030\ub300 \ud22c\uc790\uc790\ub4e4\uc774 \uc624\ub298\ub0a0\uc758 \ubd88\ud655\uc2e4\ud55c \uacbd\uc81c \ud658\uacbd\uc5d0\uc11c \uc548\uc815\uc801\uc778 \uc218\uc775\uc744 \ucc3d\ucd9c\ud558\uae30 \uc704\ud574\uc11c\ub294, \uac01 \ud22c\uc790 \uc0c1\ud488\ubcc4 \uc0c1\uad00\uad00\uacc4\uc640 \ubcc0\ub3d9\uc131\uc744 \uba74\ubc00\ud788 \ubd84\uc11d\ud558\uc5ec \uc790\uc0b0\uc744 \ubd84\uc0b0\ud558\ub294 \uc804\ub7b5\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uc5f0\uad6c \uacb0\uacfc\uc5d0 \ub530\ub974\uba74, \uc801\uc808\ud55c \ubd84\uc0b0 \ud22c\uc790\ub294 \ub2e8\uc77c \uc790\uc0b0\uad70 \ud22c\uc790\uc758 \ub9ac\uc2a4\ud06c\ub97c 30% \uc774\uc0c1 \ub0ae\ucd9c \uc218 \uc788\ub294 \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4. \ubd84\uc0b0 \ud22c\uc790\uc758 \uc911\uc694\uc131\uc740 \uae08\uc735 \uc704\uae30\uc640 \uac19\uc740 \ubd88\ud655\uc2e4\ud55c \uc2dc\uae30\uc5d0 \ub354\uc6b1 \ubd80\uac01\ub418\uba70, \ud22c\uc790\uc790 \uc2a4\uc2a4\ub85c\ub3c4 \uc548\uc815\uc131\uacfc \uc131\uc7a5\uc131\uc744 \ub3d9\uc2dc\uc5d0 \ud655\ubcf4\ud560 \uc218 \uc788\ub294 \ubc29\ubc95\uc73c\ub85c \uc778\uc2dd\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uccab \ubc88\uc9f8\ub85c, \ubd84\uc0b0 \ud22c\uc790\uc758 \uae30\ubcf8 \uc6d0\uce59\uc740 \uc790\uc0b0\uad70\ubcc4 \ud2b9\uc131\uacfc \uc2dc\uc7a5 \ub3d9\ud5a5\uc5d0 \ub530\ub77c \uc704\ud5d8\uc744 \ubd84\uc0b0\uc2dc\ud0a4\ub294 \uac83\uc785\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc8fc\uc2dd, \ucc44\uad8c, \ubd80\ub3d9\uc0b0, \ub300\uccb4 \ud22c\uc790 \ub4f1 \uc11c\ub85c \ub2e4\ub978 \uacbd\uc81c \uc8fc\uae30\uc5d0 \uc601\ud5a5\uc744 \ubc1b\ub294 \uc790\uc0b0\uc5d0 \ud22c\uc790\ud568\uc73c\ub85c\uc368, \uc5b4\ub290 \ud55c \uc790\uc0b0\uad70\uc5d0\uc11c\uc758 \uc190\uc2e4\uc744 \ub2e4\ub978 \uc790\uc0b0\uad70\uc758 \uc218\uc775\uc73c\ub85c \ubcf4\uc644\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c \uc0ac\ub840\ub85c, 2008\ub144 \uae08\uc735 \uc704\uae30 \ub2f9\uc2dc \uc8fc\uc2dd \uc2dc\uc7a5\uc774 \uae09\ub77d\ud55c \ubc18\uba74, \uace0\uc815 \uc218\uc775 \uc790\uc0b0 \ubc0f \ubd80\ub3d9\uc0b0 \ud22c\uc790\uc5d0\uc11c \uc0c1\ub300\uc801\uc73c\ub85c \uc548\uc815\uc801\uc778 \uc218\uc775\ub960\uc744 \uae30\ub85d\ud55c \uc0ac\ub840\ub4e4\uc774 \ub2e4\uc218 \ubcf4\uace0\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub450 \ubc88\uc9f8\ub85c, \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ub0b4\uc5d0\uc11c\uc758 \ubd84\uc0b0\uc740 \ub2e8\uc21c\ud788 \uc5ec\ub7ec \uc790\uc0b0\uc744 \ub098\uc5f4\ud558\ub294 \uac83\uc744 \ub118\uc5b4, \uc790\uc0b0\uc758 \ube44\uc911, \ud22c\uc790 \uae30\uac04, \uadf8\ub9ac\uace0 \uacbd\uc81c \uc804\ub9dd \ub4f1\uc744 \uc885\ud569\uc801\uc73c\ub85c \uace0\ub824\ud55c \uc815\uad50\ud55c \uacc4\ud68d\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ud22c\uc790\uc790 A\ub294 \ub2e8\uae30\uc801 \uc720\ub3d9\uc131\uc744 \uc704\ud574 \uc77c\ubd80 \uc790\uae08\uc744 \uc608\uae08\uacfc \ub2e8\uae30 \ucc44\uad8c\uc5d0, \uc911\uc7a5\uae30\uc801 \uc790\uc0b0 \uc99d\uc2dd\uc744 \uc704\ud574 \uc8fc\uc2dd\uacfc \ud380\ub4dc, \uadf8\ub9ac\uace0 \ub300\uccb4 \ud22c\uc790 \uc790\uc0b0\uc5d0 \uc801\uc808\ud788 \ubd84\ubc30\ud558\ub294 \uc804\ub7b5\uc744 \uc0ac\uc6a9\ud558\uc600\uc73c\uba70, \uacb0\uacfc\uc801\uc73c\ub85c \uacbd\uc81c \uc704\uae30 \uc2dc\uc5d0\ub3c4 \ud070 \uc190\uc2e4 \uc5c6\uc774 \uc9c0\uc18d\uc801\uc778 \uc218\uc775\uc744 \ucc3d\ucd9c\ud558\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc138 \ubc88\uc9f8\ub85c, \ub9ac\uc2a4\ud06c \uad00\ub9ac\ub294 \ub2e8\uc21c\ud55c \ubd84\uc0b0 \ud22c\uc790 \uc678\uc5d0\ub3c4 \uc815\uae30\uc801\uc778 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc7ac\uc870\uc815\uacfc \uc2dc\uc7a5 \ubaa8\ub2c8\ud130\ub9c1\uc744 \ud3ec\ud568\ud569\ub2c8\ub2e4. \uac01 \uc790\uc0b0\uc758 \uac00\uaca9 \ubcc0\ub3d9, \uacbd\uc81c \uc0c1\ud669 \ubc0f \uc815\ucc45 \ubcc0\ud654\uc5d0 \ub530\ub77c \ud22c\uc790 \ube44\uc911\uc744 \uc720\uc5f0\ud558\uac8c \uc870\uc815\ud558\ub294 \uac83\uc740 \ub9ac\uc2a4\ud06c\ub97c \ucd5c\uc18c\ud654\ud558\ub294 \ub370 \ub9e4\uc6b0 \uc911\uc694\ud55c \uc694\uc18c\uc785\ub2c8\ub2e4. \uc2e4\uc81c \uae08\uc735 \ub370\uc774\ud130\uc5d0 \ub530\ub974\uba74, \ub9e4 \ubd84\uae30 \ub610\ub294 \ubc18\uae30\uc5d0 \ud55c \ubc88\uc529 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uc810\uac80\ud558\uace0 \ub9ac\ubc38\ub7f0\uc2f1\ud55c \ud22c\uc790\uc790\ub4e4\uc758 \uc7a5\uae30\uc801\uc73c\ub85c \uc5bb\ub294 \uc218\uc775\ub960\uc740 \uc548\uc815\uc801\uc778 \uc0c1\uc2b9\uc138\ub97c \ubcf4\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub124 \ubc88\uc9f8\ub85c, \ubd84\uc0b0 \ud22c\uc790\ub97c \uc704\ud55c \uad6c\uccb4\uc801\uc778 \uc804\ub7b5\uc73c\ub85c\ub294 \uc9c0\uc5ed \ubd84\uc0b0, \uc0b0\uc5c5 \ubd84\uc0b0, \uadf8\ub9ac\uace0 \uc790\uc0b0 \uc720\ud615 \ubd84\uc0b0 \ub4f1\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uad6d\ub0b4 \uc2dc\uc7a5\ubfd0 \uc544\ub2c8\ub77c \ud574\uc678 \uc2dc\uc7a5\uc5d0 \ud22c\uc790 \ube44\uc911\uc744 \ub298\ub9ac\uba74 \ud2b9\uc815 \uad6d\uac00\uc758 \uacbd\uc81c \ubd88\ud669\uc5d0 \ub530\ub978 \ub9ac\uc2a4\ud06c\ub97c \ud06c\uac8c \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud55c \uc5f0\uad6c \ubcf4\uace0\uc11c\uc5d0 \ub530\ub974\uba74, \ud574\uc678 \ubd84\uc0b0 \ud22c\uc790 \ube44\uc911\uc774 \ub192\uc740 \ud22c\uc790\uc790\ub4e4\uc774 \uad6d\ub0b4 \ud55c\uc815 \ud22c\uc790\uc790\ubcf4\ub2e4 \ud3c9\uade0 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc218\uc775\ub960\uc774 15% \uc774\uc0c1 \ub192\uac8c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub2e4\uc12f \ubc88\uc9f8\ub85c, \ub9ac\uc2a4\ud06c \uad00\ub9ac \uce21\uba74\uc5d0\uc11c\ub294 \ud22c\uc790 \ubaa9\ud45c \ubc0f \uc2dc\uac04\ub300\uc5d0 \ub300\ud55c \uba85\ud655\ud55c \uc124\uc815\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ud22c\uc790\uc790\ub4e4\uc740 \uc790\uc2e0\uc758 \uc7ac\ubb34 \ubaa9\ud45c\uc640 \ud22c\uc790 \uae30\uac04\uc744 \uba85\ud655\ud788 \ud558\uace0, \uc774\uc5d0 \ub530\ub978 \uc790\uc0b0 \ubc30\ubd84 \uc804\ub7b5\uc744 \uc218\ub9bd\ud560 \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ub2e8\uae30\uc801\uc778 \ud604\uae08 \uc720\ub3d9\uc131\uc774 \ud544\uc694\ud55c \uacbd\uc6b0, \ubcc0\ub3d9\uc131\uc774 \ub0ae\uc740 \uc790\uc0b0\uc5d0 \ub354 \ub192\uc740 \ube44\uc911\uc744 \ud560\ub2f9\ud558\uace0, \uc7a5\uae30\uc801\uc73c\ub85c\ub294 \uc131\uc7a5\uc131\uc774 \ub192\uc740 \uc790\uc0b0\uc5d0 \ud22c\uc790\ud558\ub294 \uac83\uc774 \uc77c\ubc18\uc801\uc73c\ub85c \ucd94\ucc9c\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc5ec\uc12f \ubc88\uc9f8\ub85c, \ubd84\uc0b0 \ud22c\uc790 \ud6a8\uacfc\ub97c \uadf9\ub300\ud654\ud558\uae30 \uc704\ud574 \ucd5c\uc2e0 \uae30\uc220\uacfc \ub370\uc774\ud130\ub97c \ud65c\uc6a9\ud55c \ubd84\uc11d \ub3c4\uad6c\uc758 \uc0ac\uc6a9\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc778\uacf5\uc9c0\ub2a5, \ube45\ub370\uc774\ud130 \ubd84\uc11d, \uadf8\ub9ac\uace0 \uba38\uc2e0\ub7ec\ub2dd \uc54c\uace0\ub9ac\uc998 \ub4f1\uc744 \uc774\uc6a9\ud558\uba74 \uac01 \uc790\uc0b0\uc758 \uc0c1\uad00\uad00\uacc4\uc640 \uc2dc\uc7a5 \uc704\ud5d8 \uc694\uc18c\ub97c \ub354\uc6b1 \uc815\ubc00\ud558\uac8c \uce21\uc815\ud560 \uc218 \uc788\uc73c\uba70, \uc774\uc5d0 \ub530\ub77c \ubcf4\ub2e4 \uc815\uad50\ud55c \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131\uacfc \ub9ac\uc2a4\ud06c \uad00\ub9ac\uac00 \uac00\ub2a5\ud569\ub2c8\ub2e4. \uae08\uc735\uad8c\uc758 \uc5ec\ub7ec \uc0ac\ub840\uc5d0\uc11c \uc774\ub7ec\ud55c \uae30\uc220\uc801 \uc811\uadfc\ubc95\uc774 \uac1c\uc778 \ud22c\uc790\uc790\ubfd0 \uc544\ub2c8\ub77c \uae30\uad00 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c\ub3c4 \uc720\uc758\ubbf8\ud55c \uc131\uacfc\ub97c \uac00\uc838\ub2e4\uc8fc\uace0 \uc788\uc74c\uc744 \ud655\uc778\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc77c\uacf1 \ubc88\uc9f8\ub85c, \ub2e4\uc591\ud55c \uc0ac\ub840 \uc5f0\uad6c\uc640 \ud1b5\uacc4 \ub370\uc774\ud130\ub97c \uc811\ubaa9\ud55c \ud559\uc2b5\uc740 \ubd84\uc0b0 \ud22c\uc790\uc640 \ub9ac\uc2a4\ud06c \uad00\ub9ac\uc5d0 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uad6d\ub0b4\uc678 \ud22c\uc790 \uae30\uad00\ub4e4\uc774 \ubc1c\ud45c\ud55c \ud1b5\uacc4 \uc790\ub8cc\uc5d0 \ub530\ub974\uba74, \ubd84\uc0b0 \ud22c\uc790 \uc6d0\uce59\uc744 \uc900\uc218\ud55c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \uacbd\uc6b0 \uacbd\uc81c \uc704\uae30 \uc0c1\ud669\uc5d0\uc11c\ub3c4 \ud3c9\uade0 \uc190\uc2e4\ub960\uc774 10% \ub0b4\uc678\ub85c \uc720\uc9c0\ub418\ub294 \ubc18\uba74, \ub2e8\uc77c \uc790\uc0b0\uc5d0 \uacfc\ub3c4\ud558\uac8c \uc758\uc874\ud55c \uacbd\uc6b0 \uc190\uc2e4\ub960\uc774 30% \uc774\uc0c1 \uc99d\uac00\ud558\ub294 \uacbd\ud5a5\uc774 \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \ubd84\uc0b0 \ud22c\uc790\uc640 \uc815\uae30\uc801\uc778 \ub9ac\ubc38\ub7f0\uc2f1\uc758 \uc2e4\uc9c8\uc801 \ud6a8\uacfc\ub97c \ud655\uc778\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc5ec\ub35f \ubc88\uc9f8\ub85c, \ud22c\uc790\uc790\uc758 \uc2ec\ub9ac\uc801 \uc548\uc815\ub3c4 \ub9ac\uc2a4\ud06c \uad00\ub9ac\uc5d0 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \ud22c\uc790 \uc2ec\ub9ac\ud559 \uc5f0\uad6c \uacb0\uacfc, \ud22c\uc790\uc790\ub4e4\uc774 \uac10\uc815\uc5d0 \ud718\ub458\ub9ac\uc9c0 \uc54a\uace0 \uccb4\uacc4\uc801\uc778 \ud22c\uc790 \uc804\ub7b5\ub97c \uc720\uc9c0\ud560 \ub54c, \uc7a5\uae30\uc801\uc73c\ub85c \ub354 \uc88b\uc740 \uc131\uacfc\ub97c \uc5bb\ub294 \uacbd\ud5a5\uc774 \uc788\uc73c\uba70, \uc774\uc640 \uac19\uc740 \uc811\uadfc\ubc95\uc774 \ubd84\uc0b0 \ud22c\uc790\uc640 \uacb0\ud569\ub420 \uacbd\uc6b0 \ub354\uc6b1 \ud6a8\uacfc\uc801\uc784\uc744 \uc54c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \uae08\uc735 \uc804\ubb38\uac00\ub4e4\uc740 \ud22c\uc790 \uc2dc \uc790\uc2e0\uc758 \uac10\uc815\uc744 \uac1d\uad00\uc801\uc73c\ub85c \ubc14\ub77c\ubcf4\uace0, \ud544\uc694\uc2dc \uc804\ubb38\uac00\uc758 \ub3c4\uc6c0\uc744 \ubc1b\ub294 \uac83\uc774 \uc7a5\uae30\uc801\uc73c\ub85c \uc548\uc815\ub41c \ud22c\uc790 \uc218\uc775\ub960\uc744 \ubcf4\uc7a5\ud558\ub294 \ud575\uc2ec \uc5f4\uc1e0\ub77c\uace0 \uc870\uc5b8\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc544\ud649 \ubc88\uc9f8\ub85c, \ubd84\uc0b0 \ud22c\uc790\uc640 \ub9ac\uc2a4\ud06c \uad00\ub9ac\ub294 \ub2e8\uc21c\ud788 \uac1c\uc778 \ud22c\uc790\uc790\uc5d0\uac8c\ub9cc \uc911\uc694\ud55c \uac83\uc774 \uc544\ub2c8\ub77c, \uae08\uc735 \uc2dc\uc7a5 \uc804\ubc18\uc758 \uc548\uc815\uc131\uc744 \ub192\uc774\ub294 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \ub2e4\uc218\uc758 \ud22c\uc790\uc790\ub4e4\uc774 \uc548\uc815\uc801\uc778 \ud22c\uc790 \ud658\uacbd\uc744 \uc720\uc9c0\ud560 \uacbd\uc6b0, \uc804\uccb4 \uae08\uc735 \uc2dc\uc2a4\ud15c\uc758 \ubcc0\ub3d9\uc131 \uc5ed\uc2dc \uc904\uc5b4\ub4e4\uac8c \ub418\uba70, \uc774\ub294 \uacb0\uad6d \uacbd\uc81c \uc804\uccb4\uc758 \uac74\uac15\uc131\uc744 \uc99d\uc9c4\uc2dc\ud0a4\ub294 \uacb0\uacfc\ub97c \uac00\uc838\uc635\ub2c8\ub2e4. \uc2e4\uc81c \uc0ac\ub840\ub85c, \uc5ec\ub7ec \uad6d\uac00\uc5d0\uc11c \uae08\uc735 \uaddc\uc81c \ub2f9\uad6d\uc774 \ud22c\uc790\uc790 \ubcf4\ud638\uc640 \uc2dc\uc7a5 \uc548\uc815\ud654\ub97c \uc704\ud574 \ubd84\uc0b0 \ud22c\uc790 \uc6d0\uce59\uc744 \uad8c\uc7a5\ud558\uace0 \uc788\uc73c\uba70, \uc774\uc5d0 \ub530\ub978 \uae0d\uc815\uc801\uc778 \uacb0\uacfc\uac00 \ub3c4\ucd9c\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc5f4 \ubc88\uc9f8\ub85c, \ub9ac\uc2a4\ud06c \uad00\ub9ac\uc640 \ubd84\uc0b0 \ud22c\uc790\uc758 \ud6a8\uacfc\ub97c \uadf9\ub300\ud654\ud558\uae30 \uc704\ud55c \uad6c\uccb4\uc801\uc778 \uc2e4\ud589 \ubc29\uc548\uc73c\ub85c\ub294 \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131 \uc804 \ub2e8\uacc4\uc5d0\uc11c\uc758 \ucca0\uc800\ud55c \uc870\uc0ac, \uc8fc\uae30\uc801\uc778 \uc7ac\uac80\ud1a0, \uadf8\ub9ac\uace0 \uc2dc\uc7a5 \ub3d9\ud5a5\uc5d0 \ub530\ub978 \uc2e0\uc18d\ud55c \uc758\uc0ac \uacb0\uc815\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \ud22c\uc790\uc790\ub4e4\uc740 \ucd5c\uc2e0 \uae08\uc735 \uc815\ubcf4\uc640 \ud1b5\uacc4 \ub370\uc774\ud130\ub97c \uc801\uadf9 \ud65c\uc6a9\ud558\uc5ec \uc790\uc2e0\ub9cc\uc758 \ud22c\uc790 \uc804\ub7b5\uc744 \uc138\uc6b0\uace0, \uc804\ubb38\uac00\uc758 \uc870\uc5b8\uacfc \ud568\uaed8 \uc815\uae30\uc801\uc778 \ud53c\ub4dc\ubc31\uc744 \ubc1b\uc73c\uba70 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uc720\uc9c0\ud574\uc57c \ud569\ub2c8\ub2e4. \uc2e4\uc81c\ub85c, \uc815\uae30\uc801\uc778 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc810\uac80\uc744 \uc2e4\uc2dc\ud558\ub294 \ud22c\uc790\uc790\ub4e4\uc740 \uacbd\uc81c \uc704\uae30\uc640 \uc2dc\uc7a5 \ubcc0\ub3d9 \uc0c1\ud669\uc5d0\uc11c\ub3c4 \uc548\uc815\uc801\uc778 \uc218\uc775\ub960\uc744 \uae30\ub85d\ud558\ub294 \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc885\ud569\ud558\uba74, \ubd84\uc0b0 \ud22c\uc790\uc640 \ucca0\uc800\ud55c \ub9ac\uc2a4\ud06c \uad00\ub9ac\ub294 2030\ub300 \ud22c\uc790\uc790\ub4e4\uc774 \uae09\ubcc0\ud558\ub294 \uae08\uc735 \ud658\uacbd \uc18d\uc5d0\uc11c \uc548\uc815\uc801\uc774\uace0 \uafb8\uc900\ud55c \uc790\uc0b0 \uc99d\uc2dd\uc744 \uc774\ub8e8\uae30 \uc704\ud55c \ud544\uc218 \uc804\ub7b5\uc784\uc744 \uc54c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\uc591\ud55c \uc790\uc0b0\uad70\uc5d0 \ubd84\uc0b0 \ud22c\uc790\ud558\uace0, \uc815\uae30\uc801\uc778 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ub9ac\ubc38\ub7f0\uc2f1\uc744 \uc2dc\ud589\ud558\uba70, \ucd5c\uc2e0 \uae30\uc220\uc744 \uc801\uadf9 \ub3c4\uc785\ud558\ub294 \ub4f1 \ub2e4\uac01\uc801\uc778 \uc811\uadfc\ubc95\uc744 \ud1b5\ud574 \ud22c\uc790 \ub9ac\uc2a4\ud06c\ub97c \ucd5c\uc18c\ud654\ud558\uace0 \uc7a5\uae30\uc801\uc778 \uc218\uc775\ub960\uc744 \uadf9\ub300\ud654\ud558\ub294 \uc804\ub7b5\uc740 \uc55e\uc73c\ub85c\ub3c4 \uc9c0\uc18d\uc801\uc73c\ub85c \uac15\uc870\ub418\uc5b4\uc57c \ud560 \ud575\uc2ec \uc694\uc18c\uc785\ub2c8\ub2e4.<\/p>\n<h2 id=\"4-%eb%af%b8%eb%9e%98-%ed%88%ac%ec%9e%90-%ed%8a%b8%eb%a0%8c%eb%93%9c%ec%99%80-%ec%a0%81%ea%b7%b9%ec%a0%81-%ed%88%ac%ec%9e%90-%eb%b0%a9%ec%95%88-VIalGZlCns\">4. \ubbf8\ub798 \ud22c\uc790 \ud2b8\ub80c\ub4dc\uc640 \uc801\uadf9\uc801 \ud22c\uc790 \ubc29\uc548<\/h2>\n<p>\ubbf8\ub798\uc758 \ud22c\uc790 \ud658\uacbd\uc740 \uae30\uc220 \ud601\uc2e0, \uae00\ub85c\ubc8c \uacbd\uc81c \ubcc0\ud654, \uadf8\ub9ac\uace0 \uc2e0\uc0b0\uc5c5\uc758 \ubd80\uc0c1\uc5d0 \ub530\ub77c \uae09\uaca9\ud788 \ubcc0\ubaa8\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. 2030\ub300 \ud22c\uc790\uc790\ub4e4\uc740 \uc774\ub7ec\ud55c \ubcc0\ud654\uc5d0 \ubbfc\ucca9\ud558\uac8c \ub300\uc751\ud558\uace0 \ubbf8\ub798\uc758 \uae30\ud68c\ub97c \uc120\uc81c\uc801\uc73c\ub85c \ud3ec\ucc29\ud558\uae30 \uc704\ud574, \uc801\uadf9\uc801\uc774\uba74\uc11c\ub3c4 \uccb4\uacc4\uc801\uc778 \ud22c\uc790 \ubc29\uc548\uc744 \ubaa8\uc0c9\ud574\uc57c \ud569\ub2c8\ub2e4. \ucd5c\uadfc \ubcf4\uace0\ub41c \ub2e4\uc591\ud55c \uc5f0\uad6c\uc640 \ud1b5\uacc4 \uc790\ub8cc\uc5d0 \ub530\ub974\uba74, \ub514\uc9c0\ud138 \uae08\uc735, \uc778\uacf5\uc9c0\ub2a5, \uadf8\ub9ac\uace0 \ube14\ub85d\uccb4\uc778 \uae30\uc220 \ub4f1\uc774 \ud22c\uc790 \uc2dc\uc7a5\uc758 \uc0c8\ub85c\uc6b4 \ud310\ub3c4\ub97c \uc5f4\uc5b4\uac00\uace0 \uc788\uc73c\uba70, \uc774\uc5d0 \ub530\ub978 \ud22c\uc790 \ub3c4\uad6c\uc640 \uc804\ub7b5\uc758 \ubcc0\ud654\uac00 \uc808\uc2e4\ud569\ub2c8\ub2e4.<\/p>\n<p>\uccab\uc9f8, \ub514\uc9c0\ud138 \uae08\uc735 \ud50c\ub7ab\ud3fc\uc758 \ubc1c\uc804\uc740 \ud22c\uc790 \uc811\uadfc\uc131\uc744 \ud68d\uae30\uc801\uc73c\ub85c \ub6f0\uc5b4\ub118\ub294 \uacb0\uacfc\ub97c \uac00\uc838\uc654\uc2b5\ub2c8\ub2e4. \ubaa8\ubc14\uc77c \uc571, \uc628\ub77c\uc778 \uc99d\uad8c \uac70\ub798 \ud50c\ub7ab\ud3fc, \uadf8\ub9ac\uace0 \ub85c\ubcf4\uc5b4\ub4dc\ubc14\uc774\uc800\uc640 \uac19\uc740 \uc11c\ube44\uc2a4\ub4e4\uc740 \uc800\ube44\uc6a9, \uace0\ud6a8\uc728\uc758 \ud22c\uc790 \ud658\uacbd\uc744 \uc81c\uacf5\ud558\uc5ec, \uc80a\uc740 \uc138\ub300\uac00 \ubcf4\ub2e4 \uc27d\uac8c \ub2e4\uc591\ud55c \uae08\uc735 \uc0c1\ud488\uc5d0 \uc811\uadfc\ud560 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ucd5c\uadfc A \uae08\uc735\uae30\uad00\uc5d0\uc11c\ub294 AI \uae30\ubc18 \ud22c\uc790 \uc790\ubb38 \uc11c\ube44\uc2a4\ub97c \ub3c4\uc785\ud558\uc5ec, \ud22c\uc790\uc790\ub4e4\uc774 \uc790\uc2e0\uc758 \ud22c\uc790 \uc131\ud5a5\uc5d0 \ub9de\ucd98 \ub9de\ucda4\ud615 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\uc131\ud560 \uc218 \uc788\ub3c4\ub85d \ud558\uc600\uc73c\uba70, \uc774 \uacb0\uacfc \uace0\uac1d \ub9cc\uc871\ub3c4\uac00 \ud06c\uac8c \ud5a5\uc0c1\ub41c \uc0ac\ub840\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub458\uc9f8, \uc778\uacf5\uc9c0\ub2a5\uacfc \ube45\ub370\uc774\ud130 \ubd84\uc11d\uc740 \ubbf8\ub798 \ud22c\uc790 \ud2b8\ub80c\ub4dc\ub97c \uc608\uce21\ud558\uace0, \ud22c\uc790 \uc704\ud5d8\uc744 \uc0ac\uc804\uc5d0 \uad00\ub9ac\ud558\ub294 \ub370 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud22c\uc790\uc790\ub4e4\uc740 \uc774\ub97c \ud1b5\ud574, \uacfc\uac70 \ub370\uc774\ud130\ubfd0 \uc544\ub2c8\ub77c \uc2e4\uc2dc\uac04 \uc2dc\uc7a5 \ubcc0\ud654\uc5d0 \ub530\ub978 \uc2dc\uadf8\ub110\uc744 \ubd84\uc11d\ud558\uace0, \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c \ud1b5\uacc4\uc5d0 \ub530\ub974\uba74, AI \uae30\ubc18 \ud22c\uc790 \ub3c4\uad6c\ub97c \ud65c\uc6a9\ud55c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uac00 \uadf8\ub807\uc9c0 \uc54a\uc740 \uacbd\uc6b0\ubcf4\ub2e4 \ud3c9\uade0 12% \uc774\uc0c1\uc758 \ucd94\uac00 \uc218\uc775\ub960\uc744 \uae30\ub85d\ud55c \ubc14 \uc788\uc73c\uba70, \uc774\ub294 \uae30\uc220\uc758 \ub3c4\uc785\uc774 \uac00\uc838\uc62c \ubbf8\ub798 \ud22c\uc790 \ud658\uacbd\uc758 \ubcc0\ud654 \ubc29\ud5a5\uc744 \ubd84\uba85\ud558\uac8c \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.<\/p>\n<p>\uc14b\uc9f8, \ube14\ub85d\uccb4\uc778 \uae30\uc220 \ubc0f \ub514\uc9c0\ud138 \uc790\uc0b0\uc740 \ubbf8\ub798 \uae08\uc735 \uc2dc\uc7a5\uc5d0\uc11c \ube60\ub974\uac8c \uc131\uc7a5\ud560 \ubd84\uc57c\ub85c \uc8fc\ubaa9\ubc1b\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ube44\ub85d \uc554\ud638\ud654\ud3d0 \uc2dc\uc7a5\uc740 \uc5ec\uc804\ud788 \ub192\uc740 \ubcc0\ub3d9\uc131\uc744 \ubcf4\uc774\uc9c0\ub9cc, \uc774\ub97c \ubcf4\uc644\ud558\uae30 \uc704\ud55c \ub2e4\uc591\ud55c \uc548\uc815\ud654 \uba54\ucee4\ub2c8\uc998\uacfc \uaddc\uc81c \ub9c8\ub828\uc774 \uc9c4\ud589 \uc911\uc785\ub2c8\ub2e4. \ud22c\uc790\uc790\ub4e4\uc740 \uc7a5\uae30\uc801\uc778 \uad00\uc810\uc5d0\uc11c \ub514\uc9c0\ud138 \uc790\uc0b0\uc744 \uc18c\uc561 \uc804\ub7b5\uc801\uc73c\ub85c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc5d0 \ud3ec\ud568\uc2dc\ud0a4\uba70, \uc774\ub97c \ud1b5\ud574 \ubbf8\ub798\uc758 \uc131\uc7a5 \uc7a0\uc7ac\ub825\uacfc \ubd84\uc0b0 \ud22c\uc790 \ud6a8\uacfc\ub97c \ub3d9\uc2dc\uc5d0 \ub3c4\ubaa8\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc804\ubb38\uac00\ub4e4\uc740 \ube14\ub85d\uccb4\uc778 \uae30\uc220\uc774 \uae08\uc735 \ubfd0\ub9cc \uc544\ub2c8\ub77c \ub2e4\uc591\ud55c \uc0b0\uc5c5 \ubd84\uc57c\uc5d0 \uac78\uccd0 \ud601\uc2e0\uc801 \ubcc0\ud654\ub97c \uc77c\uc73c\ud0ac \uac83\uc774\ub77c \uc804\ub9dd\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub137\uc9f8, \ud658\uacbd, \uc0ac\ud68c, \uc9c0\ubc30\uad6c\uc870(ESG) \ud22c\uc790 \ub610\ud55c \ubbf8\ub798\uc758 \ud22c\uc790 \ud2b8\ub80c\ub4dc\ub85c \uc8fc\ubaa9\ubc1b\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uae30\ud6c4 \ubcc0\ud654\uc640 \uc0ac\ud68c\uc801 \ucc45\uc784\uc5d0 \ub300\ud55c \uc778\uc2dd\uc774 \ud655\uc0b0\ub418\uba74\uc11c, \uc804 \uc138\uacc4\uc801\uc73c\ub85c ESG \uae30\uc900\uc5d0 \ubd80\ud569\ud558\ub294 \uae30\uc5c5\uc5d0 \ub300\ud55c \ud22c\uc790\uac00 \uc99d\uac00\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ucd5c\uadfc \uc5ec\ub7ec \ud22c\uc790 \ub9ac\uc11c\uce58 \uae30\uad00\uc740 ESG \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uac00 \uc7a5\uae30\uc801\uc73c\ub85c \ub192\uc740 \uc218\uc775\ub960\uacfc \ub0ae\uc740 \ub9ac\uc2a4\ud06c\ub97c \ub3d9\uc2dc\uc5d0 \uc81c\uacf5\ud560 \uac00\ub2a5\uc131\uc774 \ud06c\ub2e4\uace0 \ubd84\uc11d\ud558\uc600\uc73c\uba70, \uc2e4\uc81c\ub85c \ub9ce\uc740 2030\ub300 \ud22c\uc790\uc790\ub4e4\uc774 ESG \uad00\ub828 \ud380\ub4dc\uc640 \uc8fc\uc2dd\uc5d0 \uad00\uc2ec\uc744 \uae30\uc6b8\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub2e4\uc12f\uc9f8, \ubbf8\ub798 \ud22c\uc790 \ud658\uacbd\uc5d0\uc11c\ub294 \uae08\uc735 \uad50\uc721\uacfc \uc815\ubcf4 \uc811\uadfc\uc131\uc774 \uacb0\uc815\uc801\uc778 \uc5ed\ud560\uc744 \ud558\uac8c \ub420 \uac83\uc785\ub2c8\ub2e4. \ud22c\uc790 \uacbd\ud5d8\uc774 \uc801\uc740 \uc80a\uc740 \uc138\ub300\ub4e4\uc5d0\uac8c\ub294 \uc2e4\uc2dc\uac04 \uae08\uc735 \uc815\ubcf4\uc640 \uc804\ubb38\uac00 \uc758\uacac, \uadf8\ub9ac\uace0 \ub370\uc774\ud130 \uae30\ubc18\uc758 \ud22c\uc790 \uc804\ub7b5\uc774 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \uc774\uc5d0 \ub530\ub77c, \uc5ec\ub7ec \uae08\uc735 \uae30\uad00\uacfc \uad50\uc721 \uae30\uad00\uc740 \uc628\ub77c\uc778 \uc138\ubbf8\ub098, \uc6e8\ube44\ub098, \uadf8\ub9ac\uace0 \ub2e4\uc591\ud55c \uc815\ubcf4 \ud50c\ub7ab\ud3fc\uc744 \ud1b5\ud574 \uccad\ub144 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \ucd5c\uc2e0 \ud22c\uc790 \ud2b8\ub80c\ub4dc\uc640 \uc804\ub7b5\uc744 \uc804\ub2ec\ud558\uace0 \uc788\uc73c\uba70, \uc774\ub85c \uc778\ud574 \ud22c\uc790 \uc131\uacf5\ub960\uc774 \uc810\ucc28 \ud5a5\uc0c1\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc5ec\uc12f\uc9f8, \uc801\uadf9\uc801 \ud22c\uc790 \ubc29\uc548\uc73c\ub85c\ub294 \uae30\uc874\uc758 \uc218\ub3d9\uc801 \ud22c\uc790\ub97c \ub118\uc5b4, \uc801\uadf9\uc801\uc778 \ub9ac\uc11c\uce58\uc640 \uc2dc\uc7a5 \ub300\uc751 \ub2a5\ub825\uc744 \ud0a4\uc6b0\ub294 \uac83\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \ud22c\uc790\uc790\ub4e4\uc740 \uc815\uae30\uc801\uc778 \uc2dc\uc7a5 \ubd84\uc11d\uacfc \uc804\ub7b5\uc801 \ud3ec\uc9c0\uc158 \uc870\uc815\uc744 \ud1b5\ud574 \uae09\ubcc0\ud558\ub294 \uacbd\uc81c \ud658\uacbd\uc5d0\uc11c\ub3c4 \uc548\uc815\uc801\uc778 \uc218\uc775\uc744 \ub2ec\uc131\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ucd5c\uadfc \ud55c \ud22c\uc790 \ucee4\ubba4\ub2c8\ud2f0\uc5d0\uc11c\ub294 \ubd84\uae30\ubcc4\ub85c \ub9ac\uc2a4\ud06c \uc694\uc778\uc744 \ubd84\uc11d\ud558\uace0 \uac01\uc885 \uacbd\uc81c \uc9c0\ud45c\ub97c \uae30\uc900\uc73c\ub85c \uc8fc\uc2dd\uacfc \ucc44\uad8c\uc758 \ube44\uc728\uc744 \uc7ac\uc870\uc815\ud558\ub294 \uc804\ub7b5\uc774 \ud070 \ud638\uc751\uc744 \uc5bb\uace0 \uc788\uc73c\uba70, \uc774\ub97c \ud1b5\ud574 \uc5b4\ub824\uc6b4 \uc2dc\uc7a5 \uc0c1\ud669\uc5d0\uc11c\ub3c4 \uafb8\uc900\ud55c \uc218\uc775\uc744 \uae30\ub85d\ud55c \uc0ac\ub840\uac00 \ub2e4\uc218 \ubcf4\uace0\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc77c\uacf1\uc9f8, \uae00\ub85c\ubc8c \uacbd\uc81c\uc758 \ud1b5\ud569\uacfc \uac01\uad6d \uac04 \ud611\ub825 \uac15\ud654\ub294 \ud22c\uc790 \uae30\ud68c\uc758 \uc0c8\ub85c\uc6b4 \uc7a5\uc744 \uc5f4\uc5b4\uc8fc\uace0 \uc788\uc2b5\ub2c8\ub2e4. 2030\ub300 \ud22c\uc790\uc790\ub4e4\uc740 \uad6d\ub0b4\ubfd0 \uc544\ub2c8\ub77c \ud574\uc678 \uc2dc\uc7a5\uc5d0\ub3c4 \ub208\uc744 \ub3cc\ub824, \ub2e4\uad6d\uc801 \uae30\uc5c5\uc774\ub098 \uc2e0\ud765 \uc2dc\uc7a5\uc5d0 \ud22c\uc790\ud558\ub294 \uc804\ub7b5\uc744 \uace0\ub824\ud560 \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uc5ec\ub7ec \uae00\ub85c\ubc8c \uc99d\uad8c\uc0ac\uc758 \uc790\ub8cc\uc5d0 \ub530\ub974\uba74, \ud574\uc678 \ubd84\uc0b0 \ud22c\uc790\ub97c \ud1b5\ud574 \uc5bb\uc740 \ud3c9\uade0 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc218\uc775\ub960\uc740 \uad6d\ub0b4 \ud55c\uc815 \ud22c\uc790\ubcf4\ub2e4 20% \uc774\uc0c1 \ub192\uc740 \uacbd\uc6b0\uac00 \ub9ce\uc73c\uba70, \uc774\ub294 \ud22c\uc790 \ub2e4\uac01\ud654\uc758 \ud070 \uc7a5\uc810\uc744 \uc2dc\uc0ac\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc5ec\ub35f\uc9f8, \ubbf8\ub798 \ud22c\uc790 \ud2b8\ub80c\ub4dc\uc5d0 \uc801\uadf9\uc801\uc73c\ub85c \ub300\uc751\ud558\uae30 \uc704\ud574\uc11c\ub294 \ub04a\uc784\uc5c6\ub294 \ud559\uc2b5\uacfc \uc790\uae30 \uacc4\ubc1c\uc774 \uc694\uad6c\ub429\ub2c8\ub2e4. \ud22c\uc790 \uad00\ub828 \uc11c\uc801, \ucd5c\uc2e0 \ub9ac\uc11c\uce58 \ubcf4\uace0\uc11c, \uadf8\ub9ac\uace0 \uc804\ubb38\uac00 \uc778\ud130\ubdf0 \ub4f1\uc744 \uafb8\uc900\ud788 \uc811\ud568\uc73c\ub85c\uc368, \ud22c\uc790\uc790 \uc2a4\uc2a4\ub85c\uac00 \ubcc0\ud654\ud558\ub294 \uae08\uc735 \uc2dc\uc7a5\uc758 \ud750\ub984\uc744 \ud30c\uc545\ud558\uace0, \uc774\uc5d0 \ub9de\ub294 \ud22c\uc790 \uc804\ub7b5\uc744 \uc138\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c\ub85c \ub9ce\uc740 \uc131\uacf5 \ud22c\uc790\uc790\ub4e4\uc740 \ud3c9\uc0dd\ud559\uc2b5\uc758 \uc790\uc138\ub85c \ucd5c\uc2e0 \ud2b8\ub80c\ub4dc\uc640 \uae30\uc220\uc744 \uc2b5\ub4dd\ud558\uba70, \uc774\ub97c \ud1a0\ub300\ub85c \uc804\ub7b5\uc744 \uc9c0\uc18d\uc801\uc73c\ub85c \uc218\uc815\ud574 \ub098\uac00\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc544\ud649\uc9f8, \uc801\uadf9\uc801 \ud22c\uc790 \ubc29\uc548\uc744 \uc2e4\ud589\uc5d0 \uc62e\uae30\uae30 \uc704\ud574\uc11c\ub294 \uba85\ud655\ud55c \ubaa9\ud45c \uc124\uc815\uacfc \uad6c\uccb4\uc801\uc778 \uc2e4\ud589 \uacc4\ud68d\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \ud22c\uc790\uc790\ub4e4\uc740 \ub2e8\uae30, \uc911\uae30, \uadf8\ub9ac\uace0 \uc7a5\uae30 \ubaa9\ud45c\ub97c \uba85\ud655\ud788 \ud558\uace0, \uac01 \ubaa9\ud45c\uc5d0 \ub530\ub978 \ud22c\uc790 \uc0c1\ud488 \ubc0f \uc804\ub7b5\uc744 \uad6c\uccb4\uc801\uc73c\ub85c \uacc4\ud68d\ud574\uc57c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ud55c \ud22c\uc790 \uc124\uacc4 \uc804\ubb38\uac00\uc758 \uc0ac\ub840\ucc98\ub7fc, 2030\ub300\ub294 \ub9e4\ub144 \ud2b9\uc815 \uc218\uc775\ub960\uacfc \uc790\uc0b0 \uc99d\uc2dd \ubaa9\ud45c\ub97c \uc124\uc815\ud55c \ud6c4, \ubaa9\ud45c \ub2ec\uc131\uc744 \uc704\ud55c \uc138\ubd80 \uc804\ub7b5\uc744 \ub9c8\ub828\ud558\uace0 \uc8fc\uae30\uc801\uc73c\ub85c \uc131\uacfc\ub97c \ud3c9\uac00\ud568\uc73c\ub85c\uc368 \uc131\uacf5\uc801\uc778 \ud22c\uc790 \uc5ec\uc815\uc744 \uc774\uc5b4\ub098\uac08 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc5f4\uc9f8, \ubbf8\ub798 \ud22c\uc790 \uc804\ub7b5\uc758 \ud575\uc2ec\uc740 \ubcc0\ud654\uc5d0 \ub300\uc751\ud558\ub294 \uc720\uc5f0\uc131\uacfc \ud601\uc2e0\uc801\uc778 \uc0ac\uace0\uc785\ub2c8\ub2e4. \uae30\uc220 \ubc1c\uc804\uacfc \uc2dc\uc7a5 \ubcc0\ud654\uac00 \ube60\ub978 \uc2dc\ub300\uc5d0, \uae30\uc874\uc758 \uace0\uc815\ub41c \ud22c\uc790 \uc804\ub7b5\ubcf4\ub2e4 \uc720\uc5f0\ud558\uac8c \uc2dc\uc7a5 \uc0c1\ud669\uc744 \ubc18\uc601\ud558\uace0 \uc870\uc815\ud560 \uc218 \uc788\ub294 \ub2a5\ub825\uc774 \ud22c\uc790 \uc131\uacf5\uc758 \uc911\uc694\ud55c \uc5f4\uc1e0\uac00 \ub429\ub2c8\ub2e4. \ud22c\uc790 \uc804\ubb38\uac00\ub4e4\uc740 \ub2e8\uae30\uc801 \ubcc0\ub3d9\uc131\uc5d0 \ub108\ubb34 \uc5bd\ub9e4\uc774\uc9c0 \uc54a\uace0, \uc7a5\uae30\uc801 \uad00\uc810\uc5d0\uc11c \ubbf8\ub798\uc758 \uc0b0\uc5c5 \ubcc0\ud654 \ubc0f \ud601\uc2e0 \uae30\uc220\uc5d0 \ud22c\uc790\ud558\ub294 \uc804\ub7b5\uc774 \ub354\uc6b1 \uc720\ub9dd\ud558\ub2e4\uace0 \uc870\uc5b8\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub97c \uc704\ud574 \ud22c\uc790\uc790\ub4e4\uc740 \ucd5c\uc2e0 \uae08\uc735 \uae30\uc220 \ub3c4\uad6c\uc640 \ub370\uc774\ud130\ub97c \ud65c\uc6a9\ud558\uba70, \uacbd\uc81c \uc804\ubc18\uc758 \ud750\ub984\uc744 \uc2e0\uc18d\ud558\uac8c \ubd84\uc11d\ud558\ub294 \ub2a5\ub825\uc744 \uae38\ub7ec\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uc801\uadf9\uc801 \ud22c\uc790 \ubc29\uc548\uacfc \ubbf8\ub798 \ud22c\uc790 \ud2b8\ub80c\ub4dc\ub97c \uc885\ud569\ud558\uba74, 2030\ub300 \ud22c\uc790\uc790\ub4e4\uc774 \ub2e8\uc21c\ud55c \uc801\uae08 \ud22c\uc790\uc5d0\uc11c \ubc97\uc5b4\ub098 \ub2e4\uc591\ud55c \uc790\uc0b0 \uad70\uc5d0 \ubd84\uc0b0 \ud22c\uc790\ud558\uba70, \uae30\uc220 \uae30\ubc18\uc758 \ubd84\uc11d\uacfc \uae00\ub85c\ubc8c \uc2dc\uac01\uc744 \uc801\uc6a9\ud558\ub294 \uac83\uc774 \ud544\uc218\uc801\uc784\uc744 \uc54c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc544\ub798\ub294 2030\ub300\ub97c \uc704\ud55c \ubbf8\ub798 \ud22c\uc790 \uc804\ub7b5\uc758 \ud575\uc2ec \ud3ec\uc778\ud2b8\ub97c \uc815\ub9ac\ud55c \ubaa9\ub85d\uc785\ub2c8\ub2e4:<\/p>\n<ul>\n<li>\ub514\uc9c0\ud138 \uae08\uc735 \ud50c\ub7ab\ud3fc\uacfc AI \uae30\ubc18 \ud22c\uc790 \ub3c4\uad6c \ud65c\uc6a9<\/li>\n<li>\uae00\ub85c\ubc8c \ubc0f \uc9c0\uc5ed \ubd84\uc0b0 \ud22c\uc790 \ud655\ub300<\/li>\n<li>ESG \ud22c\uc790 \ubc0f \uc0ac\ud68c\uc801 \ucc45\uc784 \uacbd\uc601 \uae30\uc5c5 \uc8fc\ubaa9<\/li>\n<li>\uc815\uae30\uc801\uc778 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ub9ac\ubc38\ub7f0\uc2f1\uacfc \ub9ac\uc2a4\ud06c \uad00\ub9ac<\/li>\n<li>\uc9c0\uc18d\uc801\uc778 \uae08\uc735 \uad50\uc721\uacfc \ucd5c\uc2e0 \uc815\ubcf4 \uc2b5\ub4dd<\/li>\n<\/ul>\n<p>\uc885\ud569\uc801\uc73c\ub85c, \ubbf8\ub798 \ud22c\uc790 \ud658\uacbd\uc740 \ub04a\uc784\uc5c6\uc774 \ubcc0\ud654\ud558\uace0 \uc788\uc73c\uba70, \uc774\uc5d0 \ub530\ub77c \ud22c\uc790\uc790\ub4e4 \uc5ed\uc2dc \uc720\uc5f0\ud558\uace0 \ud601\uc2e0\uc801\uc778 \ud0dc\ub3c4\ub85c \uc2dc\uc7a5\uc5d0 \uc811\uadfc\ud574\uc57c \ud569\ub2c8\ub2e4. 2030\ub300\uac00 \ub2e8\uc21c\ud55c \uc801\uae08 \ud22c\uc790\uc5d0 \uba38\ubb34\ub974\uc9c0 \uc54a\uace0, \ub2e4\uc591\ud55c \ud22c\uc790 \uc0c1\ud488\uacfc \uae30\uc220, \uadf8\ub9ac\uace0 \uae00\ub85c\ubc8c \uacbd\uc81c\uc758 \ud750\ub984\uc744 \ubc18\uc601\ud55c \ub9de\ucda4\ud615 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\ucd95\ud558\ub294 \uac83\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc804\ub7b5\uc740 \ub2e8\uae30\uc801 \uc7ac\ubb34 \uc548\uc815\ubfd0 \uc544\ub2c8\ub77c \uc7a5\uae30\uc801\uc778 \uc790\uc0b0 \uc99d\uc2dd\uacfc \uacbd\uc81c\uc801 \uc790\uc720\ub97c \uc2e4\ud604\ud558\ub294 \ub370 \uae30\uc5ec\ud560 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\uacb0\ub860\uc801\uc73c\ub85c, 2030\ub300 \ub9de\ucda4\ud615 \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\ucd95\uc740 \ub2e8\uc21c\ud788 \uc218\uc775\ub960 \uadf9\ub300\ud654\ubfd0 \uc544\ub2c8\ub77c, \uc548\uc815\uc801\uc778 \ub9ac\uc2a4\ud06c \uad00\ub9ac\uc640 \ubbf8\ub798 \uacbd\uc81c \ubcc0\ud654\uc5d0 \uc720\uc5f0\ud558\uac8c \ub300\uc751\ud560 \uc218 \uc788\ub294 \uc885\ud569\uc801 \uc804\ub7b5\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \ud22c\uc790\uc790\ub4e4\uc740 \uc9c0\uc18d\uc801\uc778 \ud559\uc2b5\uacfc \uacbd\ud5d8\uc744 \ud1b5\ud574 \uc790\uc2e0\uc5d0\uac8c \uac00\uc7a5 \uc801\ud569\ud55c \ud22c\uc790 \uc804\ub7b5\uc744 \uac1c\ubc1c\ud558\uba70, \uae08\uc735 \ud601\uc2e0\uacfc \uae00\ub85c\ubc8c \uc2dc\uc7a5\uc758 \ubcc0\ud654\ub97c \uc801\uadf9\uc801\uc73c\ub85c \ud65c\uc6a9\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub178\ub825\uc774 \ubaa8\uc5ec \uc7a5\uae30\uc801\uc73c\ub85c \uc548\uc815\uc801\uc774\uace0 \ub192\uc740 \uc218\uc775\ub960\uc744 \ubcf4\uc7a5\ud558\ub294 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\ucd95\ud560 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc885\ud569 \uc694\uc57d: 2030\ub300\uac00 \ub2e8\uc21c \uc801\uae08\ub9cc\uc73c\ub85c\ub294 \ubbf8\ub798 \uc7ac\uc815 \uc548\uc815\uc744 \ubcf4\uc7a5\ubc1b\uae30 \uc5b4\ub835\ub2e4\ub294 \uc810\uc744 \uc778\uc2dd\ud558\uace0, \ub2e4\uc591\ud55c \ud22c\uc790 \uc218\ub2e8\uacfc \uc790\uc0b0\uad70\uc5d0 \ubd84\uc0b0 \ud22c\uc790\ud558\ub294 \uc804\ub7b5\uc744 \ud1b5\ud574 \ubcc0\ud654\ud558\ub294 \uacbd\uc81c \ud658\uacbd\uc5d0 \ub2a5\ub3d9\uc801\uc73c\ub85c \ub300\ucc98\ud574\uc57c \ud569\ub2c8\ub2e4. \ub514\uc9c0\ud138 \uae08\uc735, AI \ubd84\uc11d, ESG \ud22c\uc790, \uae00\ub85c\ubc8c \ubd84\uc0b0 \ud22c\uc790 \ub4f1 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