{"id":217,"date":"2026-05-17T00:16:56","date_gmt":"2026-05-17T00:16:56","guid":{"rendered":"https:\/\/economy21c.com\/?p=217"},"modified":"2026-05-17T00:16:56","modified_gmt":"2026-05-17T00:16:56","slug":"%ec%9d%b8%ed%84%b0%eb%84%b7%ec%9d%80%ed%96%89-%ea%b3%a0%ec%8b%a0%ec%9a%a9%ec%9e%90-%eb%8c%80%ec%b6%9c%ec%97%90-%ec%a7%91%ec%a4%91-%ed%8f%ac%ec%9a%a9%ea%b8%88%ec%9c%b5","status":"publish","type":"post","link":"https:\/\/economy21c.com\/?p=217","title":{"rendered":"\uc778\ud130\ub137\uc740\ud589, \uace0\uc2e0\uc6a9\uc790 \ub300\ucd9c\uc5d0 \uc9d1\uc911\u2026 \u2018\ud3ec\uc6a9\uae08\uc735\u2019 \ucde8\uc9c0 \ubb34\uc0c9"},"content":{"rendered":"\n

\uc5f0\uccb4\uc728 \uae09\ub4f1\uc5d0 \ub9ac\uc2a4\ud06c \uad00\ub9ac \ube44\uc0c1\u2026 \uc911\uc800\uc2e0\uc6a9\uc790 \uae08\uc735 \uc18c\uc678 \ud604\uc0c1 \uc2ec\ud654 \uc6b0\ub824<\/strong><\/p>\n\n\n\n


\uad6d\ub0b4 \uc778\ud130\ub137\uc804\ubb38\uc740\ud589\ub4e4\uc774 \ub9ac\uc2a4\ud06c \uad00\ub9ac\ub97c \uba85\ubaa9\uc73c\ub85c \uace0\uc2e0\uc6a9\uc790 \uc704\uc8fc\uc758 \ubcf4\uc218\uc801\uc778 \ub300\ucd9c \uc601\uc5c5\uc5d0 \uc9d1\uc911\ud558\uace0 \uc788\ub294 \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\ub2e4. \ucd9c\ubc94 \ub2f9\uc2dc \uae08\uc735\ub2f9\uad6d\uacfc \uc2dc\uc7a5\uc5d0 \uc57d\uc18d\ud55c \u2018\uc911\uc800\uc2e0\uc6a9\uc790 \ub300\uc0c1 \ud3ec\uc6a9\uae08\uc735 \uc2e4\ud604\u2019\uc774\ub77c\ub294 \uc124\ub9bd \ucde8\uc9c0\uac00 \ud06c\uac8c \ud6fc\uc190\ub418\uace0 \uc788\ub2e4\ub294 \uc9c0\uc801\uc774 \ub098\uc628\ub2e4. \ucd5c\uadfc \uace0\uae08\ub9ac \uae30\uc870 \uc7a5\uae30\ud654\uc640 \uacbd\uae30 \uce68\uccb4 \uc6b0\ub824\ub85c \uc5f0\uccb4\uc728\uc774 \uae09\ub4f1\ud558\uc790, \uc778\ud130\ub137\uc740\ud589\ub4e4\uc774 \uac74\uc804\uc131 \uc9c0\ud45c \ubc29\uc5b4\ub97c \uc704\ud574 \uc120\uc81c\uc801\uc73c\ub85c \ub300\ucd9c \ubb38\ud131\uc744 \ub192\uc778 \uacb0\uacfc\ub2e4. \uc774\uc5d0 \ub530\ub77c \uc81c1\uae08\uc735\uad8c\uc5d0\uc11c \ubc00\ub824\ub09c \uc11c\ubbfc\uacfc \ucde8\uc57d\ucc28\uc8fc\ub4e4\uc774 \ubd88\ubc95 \uc0ac\uae08\uc735 \ub4f1 \uace0\uae08\ub9ac \ub300\ucd9c \uc2dc\uc7a5\uc73c\ub85c \ub0b4\ubab0\ub9b4 \uc218 \uc788\ub2e4\ub294 \uc2dc\uc7a5\uc758 \uc6b0\ub824\uac00 \uc810\ucc28 \ucee4\uc9c0\uace0 \uc788\ub2e4.<\/p>\n\n\n\n


\uac74\uc804\uc131 \uc545\ud654 \uc704\uae30\uac10\uc5d0 \ub300\ucd9c \ubb38\ud131 \ub192\uc778 \uc778\ubc45 3\uc0ac<\/strong>
\uc778\ud130\ub137\uc804\ubb38\uc740\ud589 3\uc0ac(\uce74\uce74\uc624\ubc45\ud06c, \ucf00\uc774\ubc45\ud06c, \ud1a0\uc2a4\ubc45\ud06c) \uac00 \ucd5c\uadfc \uace0\uc2e0\uc6a9\uc790\ub97c \uc911\uc2ec\uc73c\ub85c \ub300\ucd9c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \ube60\ub974\uac8c \uc7ac\ud3b8\ud558\uace0 \uc788\ub2e4. \ub2f9\ucd08 \uc774\ub4e4\uc740 \uc2dc\uc911\uc740\ud589\uc5d0\uc11c \ub300\ucd9c\uc744 \ubc1b\uae30 \uc5b4\ub824\uc6b4 \uc911\uc800\uc2e0\uc6a9\uc790\ub97c \ud3ec\uc6a9\ud558\uaca0\ub2e4\ub294 \ubaa9\ud45c\ub85c \uc778\uac00\ub97c \ubc1b\uc558\uc73c\ub098, \ucd5c\uadfc \uac70\uc2dc\uacbd\uc81c \ud658\uacbd\uc758 \uc545\ud654\ub85c \uc778\ud574 \uacbd\uc601 \uc804\ub7b5\uc744 \ub300\ud3ed \uc218\uc815\ud55c \uac83\uc73c\ub85c \ud480\uc774\ub41c\ub2e4. \uc9c0\ub09c\ud574\ubd80\ud130 \uc774\uc5b4\uc9c4 \uace0\uae08\ub9ac \uc7a5\uae30\ud654\uc640 \ub0b4\uc218 \ubd80\uc9c4 \uc5ec\ud30c\ub85c \uc778\ud574 \uc778\ud130\ub137\uc740\ud589\uc758 \uc8fc \uace0\uac1d\uce35\uc778 \uccad\ub144\uce35\uacfc \uc18c\uc0c1\uacf5\uc778\uc758 \ucc44\ubb34 \uc0c1\ud658 \ub2a5\ub825\uc774 \uae09\uaca9\ud788 \uc800\ud558\ub418\uc5c8\ub2e4. \uc774\uc5d0 \ub530\ub77c \uac01 \uc740\ud589\uc758 \uc5f0\uccb4\uc728\uacfc \uace0\uc815\uc774\ud558\uc5ec \uc2e0\ube44\uc728* \ub4f1 \uc8fc\uc694 \uac74\uc804\uc131 \uc9c0\ud45c\uac00 \uae08\uc735\ub2f9\uad6d\uc758 \uad8c\uace0\uce58\ub97c \uc704\ud611\ud560 \uc218\uc900\uc73c\ub85c \uc0c1\uc2b9\ud588\ub2e4. \uc740\ud589\uad8c\uc5d0\uc11c\ub294 \uc790\ubcf8\ub825\uc774 \uc0c1\ub300 \uc801\uc73c\ub85c \ubd80\uc871\ud55c \uc778\ud130\ub137\uc740\ud589\ub4e4\uc774 \ub300\uaddc\ubaa8 \ubd80\uc2e4 \uc0ac\ud0dc\ub97c \ubbf8\uc5f0\uc5d0 \ubc29\uc9c0\ud558\uae30 \uc704\ud574 \uc911\uc800\uc2e0\uc6a9\uc790 \ub300\ucd9c \ube44\uc911\uc744 \uc778\uc704\uc801\uc73c\ub85c \ucd95\uc18c\ud560 \uc218\ubc16\uc5d0 \uc5c6\ub294 \ud658\uacbd\uc774 \uc870\uc131\ub418\uc5c8\ub2e4\uace0 \ubd84\uc11d\ud55c\ub2e4. \uacb0\uacfc\uc801\uc73c\ub85c \uac74\uc804\uc131 \uad00\ub9ac\uac00 \uc2dc\uae09\ud574\uc9c4 \uc778\ud130\ub137\uc740\ud589\ub4e4\uc740 \uc6b0\ub7c9 \uc9c1\uc7a5\uc778\uc774\ub098 \uace0\uc2e0\uc6a9\uc790\ub97c \ub300\uc0c1\uc73c\ub85c \ud55c \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \ubc0f \uc2e0\uc6a9\ub300\ucd9c \uc794\uc561\uc744 \ub298\ub9ac\ub294 \ubc29\uc2dd\uc73c\ub85c \ud65c\ub85c\ub97c \ubaa8\uc0c9\ud558\uace0 \uc788\ub2e4.<\/p>\n\n\n\n


\uace0\uc815\uc774\ud558\uc5ec\uc2e0\ube44\uc728<\/strong><\/p>\n\n\n\n

\uc740\ud589\uc774 \ube4c\ub824\uc900 \uc804\uccb4 \ub3c8(\uc5ec\uc2e0) \uc911\uc5d0\uc11c 3\uac1c\uc6d4 \uc774\uc0c1 \uc5f0\uccb4\ub418\uc5b4 \uc0ac\uc2e4\uc0c1 \ub3cc\ub824\ubc1b\uae30 \ud798\ub4e0 \ubd80\uc2e4 \ub300\ucd9c\uc774 \ucc28\uc9c0\ud558\ub294 \ube44\uc911\uc73c\ub85c, \uc740\ud589\uc758 \uc790\uc0b0\uc774 \uc5bc\ub9c8\ub098 \uac74\uac15\ud558\uace0 \uc548\uc804\ud55c\uc9c0 \ub098\ud0c0\ub0b4\ub294 \uac00\uc7a5 \ub300\ud45c\uc801\uc778 \uac74\uc804\uc131 \uc9c0\ud45c<\/p>\n\n\n\n

\ub300\ucd9c\uc758 5\uac00\uc9c0 \ub4f1\uae09\uacfc ‘\uace0\uc815\uc774\ud558’\uc758 \uc758\ubbf8: \uc740\ud589\uc740 \ub300\ucd9c\uae08\uc744 \ub3cc\ub824\ubc1b\uc744 \uac00\ub2a5\uc131\uc5d0 \ub530\ub77c \ub300\ucd9c\uc744 \ub2e4\uc74c 5\uac00\uc9c0 \ub4f1\uae09\uc73c\ub85c \ubd84\ub958 <\/p>\n\n\n\n

– \uc815\uc0c1: \uc5f0\uccb4 \uc5c6\uc774 \uc798 \uac1a\uace0 \uc788\ub294 \uc548\uc804\ud55c \ub300\ucd9c <\/p>\n\n\n\n

– \uc694\uc8fc\uc758: 1\uac1c\uc6d4 \uc774\uc0c1 ~ 3\uac1c\uc6d4 \ubbf8\ub9cc \uc5f0\uccb4\ub418\uc5b4 \uc8fc\uc758\uac00 \ud544\uc694\ud55c \ub300\ucd9c <\/p>\n\n\n\n

– \uace0\uc815 (\uc5ec\uae30\ubd80\ud130 \ubd80\uc2e4): 3\uac1c\uc6d4 \uc774\uc0c1 \uc5f0\uccb4\ub418\uc5c8\uc73c\ub098, \ub2f4\ubcf4(\uc8fc\ud0dd \ub4f1)\uac00 \uc788\uc5b4 \uc6d0\uae08\uc740 \ud68c\uc218\ud560 \uc218 \uc788\ub294 \ub300\ucd9c <\/p>\n\n\n\n

– \ud68c\uc218\uc758\ubb38: 3\uac1c\uc6d4 \uc774\uc0c1 \uc5f0\uccb4\ub418\uc5c8\uace0 \ub2f4\ubcf4\ub3c4 \ubd80\uc871\ud574 \uc190\uc2e4\uc774 \uc608\uc0c1 \ub418\ub294 \ub300\ucd9c <\/p>\n\n\n\n

– \ucd94\uc815\uc190\uc2e4: \uc0ac\uc2e4\uc0c1 \ud68c\uc218\uac00 \ubd88\uac00\ub2a5\ud574 \uc790\uc0b0 \uac00\uce58\uac00 \uc5c6\ub294 100% \uc190\uc2e4 \ub300\ucd9c <\/p>\n\n\n\n

\uc5ec\uae30\uc11c 3~5\ub2e8\uacc4\uc5d0 \ud574\ub2f9\ud558\ub294 ‘\uace0\uc815’, ‘\ud68c\uc218\uc758\ubb38’, ‘\ucd94\uc815\uc190\uc2e4’ \ub300\ucd9c\uc744 \ubaa8\ub450 \ub354\ud55c \uac83\uc744 ‘\uace0\uc815\uc774\ud558\uc5ec\uc2e0’\uc774\ub77c\uace0 \ud568<\/p>\n\n\n\n

\uace0\uae08\ub9ac \uc1fc\ud06c\uc640 \ubd80\uc2e4 \ub9ac\uc2a4\ud06c \ud655\ub300\uac00 \ub0b3\uc740 \ubcf4\uc218\ud654 \uae30\uc870<\/strong>
\uc778\ud130\ub137\uc740\ud589\uc774 \ub300\ucd9c \uc601\uc5c5\uc5d0\uc11c \ubcf4\uc218\uc801\uc778 \ud0dc\ub3c4\ub97c \ucde8\ud558\uac8c \ub41c\uac00\uc7a5 \ud575\uc2ec\uc801\uc778 \uc6d0\uc778\uc740 \uae09\uaca9\ud55c \uae08\ub9ac \uc778\uc0c1\uc5d0 \ub530\ub978 \ucde8\uc57d\ucc28 \uc8fc\uc758 \ubd80\uc2e4 \ub9ac\uc2a4\ud06c \uc804\uc774 \uac00\ub2a5\uc131\uc774\ub2e4. \uc911\uc800\uc2e0\uc6a9\uc790\ub294 \uc2e0\uc6a9 \uc810\uc218\uac00 \ub0ae\uace0 \ub2f4\ubcf4 \ub2a5\ub825\uc774 \ubd80\uc871\ud574 \uae08\ub9ac \ubcc0\ub3d9\uc131\uc5d0 \ub9e4\uc6b0 \ucde8\uc57d\ud55c \ud2b9\uc131\uc744 \uac00\uc9c4\ub2e4. \uae08\ub9ac \uc778\uc0c1\uae30\uc5d0\ub294 \uc774\ub4e4\uc758 \uc774\uc790 \ubd80\ub2f4\uc774 \ub208\ub369\uc774\ucc98\ub7fc \ubd88\uc5b4\ub098 \uc5f0\uccb4\ub85c \uc9c1\uacb0\ub420 \ud655\ub960\uc774 \uc77c\ubc18 \ucc28\uc8fc\uc5d0 \ube44\ud574 \uc6d4\ub4f1\ud788 \ub192\ub2e4. \ub354\uc6b1\uc774 \uc778\ud130\ub137\uc740\ud589\ub4e4\uc740 \ucd9c\ubc94 \ucd08\uae30 \uc2dc\uc7a5 \uc810\uc720\uc728 \ud655\ub300\ub97c \uc704\ud574 \uacf5\uaca9\uc801\uc73c\ub85c \uc911\uc800\uc2e0\uc6a9\uc790 \ub300\ucd9c\uc744 \ub298\ub824\uc654\uae30 \ub54c\ubb38\uc5d0, \uacbd\uae30 \ud558\uac15 \uad6d\uba74\uc5d0\uc11c \uc2dc\uc911\uc740\ud589\ubcf4\ub2e4\ub354 \ud070 \ud0c0\uaca9\uc744 \ubc1b\uc744 \uc218\ubc16\uc5d0 \uc5c6\ub294 \uad6c\uc870\uc801 \ud55c\uacc4\ub97c \uc548\uace0 \uc788\uc5c8\ub2e4. \uc5ec\uae30\uc5d0 \ub354\ud574 \uae08\uc735\ub2f9\uad6d\uc774 \uac00\uacc4\ubd80\ucc44 \uad00\ub9ac \uac15\ud654\ub97c \uc8fc\ubb38\ud558\uba70 \uc740\ud589\uad8c \uc804\ubc18\uc5d0 \ub300\ucd9c \uc870\uc774\uae30\ub97c \uc555\ubc15\ud55c \uac83\ub3c4 \uc8fc\uc694\ud55c \uc6d0\uc778\uc73c\ub85c \uc791\uc6a9\ud588\ub2e4. \ub300\uc190\ucda9\ub2f9\uae08 \uc801\ub9bd \ubd80\ub2f4\uc774 \ucee4\uc9c4 \uc0c1\ud669\uc5d0\uc11c \uc778\ud130\ub137\uc740\ud589\ub4e4\uc740 \uc218\uc775\uc131\uacfc \uac74\uc804\uc131\uc744 \ub3d9\uc2dc\uc5d0 \ud655\ubcf4 \ud558\uae30 \uc704\ud574 \ubd80\ub3c4 \uc704\ud5d8\uc774 \ub0ae\uc740 \uace0\uc2e0\uc6a9\uc790 \ub300\ucd9c\ub85c \ub208\uc744 \ub3cc\ub9b4 \uc218\ubc16\uc5d0 \uc5c6\uc5c8\uc73c\uba70, \uc774\ub294 \uacb0\uad6d \ub9ac\uc2a4\ud06c \ud68c\ud53c \uc911\uc2ec\uc758 \uc601\uc5c5 \ud589\ud0dc\ub85c \uace0\ucc29\ud654\ub418\uace0 \uc788\ub2e4.<\/p>\n\n\n\n


\uc124\ub9bd \uc778\uac00 \uc870\uac74 \uc704\ubc30 \ub17c\ub780\uacfc \uc911\uae08\ub9ac \ub300\ucd9c \uc2dc\uc7a5\uc758 \uacf5\ubc31<\/strong>
\uac00\uc7a5 \ud070 \uc7c1\uc810\uc740 \uc778\ud130\ub137\uc740\ud589\ub4e4\uc758 \ud604\uc7ac \uc601\uc5c5 \ud589\ud0dc\uac00 \uae08\uc735 \ub2f9\uad6d\uc73c\ub85c\ubd80\ud130 \uc740\ud589\uc5c5 \uc778\uac00\ub97c \ubc1b\uc744 \ub2f9\uc2dc \ub0b4\uc138\uc6e0\ub358 \ud575\uc2ec \uba85\ubd84\uc744 \uc815\uba74\uc73c\ub85c \uc704\ubc30\ud558\uace0 \uc788\ub2e4\ub294 \uc810\uc774\ub2e4. \uae08\uc735\uc704\uc6d0\ud68c\ub294 \uacfc\uac70 \uc778\ud130\ub137\uc740\ud589 \ub3c4\uc785 \ub2f9\uc2dc \uae30\uc874 \uc740\ud589\uad8c\uc774 \ud488\uc9c0 \ubabb\ud558\ub294 \uc52c\ud30c\uc77c\ub7ec(\uae08\uc735\uc774\ub825\ubd80\uc871\uc790)\uc640 \uc911\uc800\uc2e0\uc6a9\uc790\uc5d0\uac8c \ud601\uc2e0\uc801\uc778 \ub300\uc548\uc2e0\uc6a9\ud3c9\uac00\ubaa8\ud615(CSS)*\uc744 \ud1b5\ud574 \uc911\uae08\ub9ac \ub300\ucd9c\uc744 \uacf5\uae09 \ud55c\ub2e4\ub294 \uc870\uac74\uc744 \ub2ec\uc544 \ud2b9\ub840\ub97c \ubd80\uc5ec\ud588\ub2e4. \uadf8\ub7ec\ub098 \ud604\uc7ac \uc778\ud130 \ub137\uc740\ud589\ub4e4\uc774 \uc2dc\uc911\uc740\ud589\uacfc \ub2e4\ub97c \ubc14 \uc5c6\uc774 \uace0\uc2e0\uc6a9\uc790 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \ub4f1 \uc548\uc804 \uc790\uc0b0 \uc704\uc8fc\uc758 \uc601\uc5c5\uc5d0 \ubab0\ub450\ud558\uba74\uc11c \ubb34\ub2ac\ub9cc \uc778\ud130\ub137\uc740\ud589\uc774\ub77c\ub294 \ube44\ud310\uc774 \ud655\uc0b0\ud558\uace0 \uc788\ub2e4. \uc774\ub4e4\uc774 \uc911\uae08\ub9ac \ub300\ucd9c \uacf5\uae09\uc744 \ucd95\uc18c\ud568\uc5d0 \ub530\ub77c, \uc2e0\uc6a9\uc810\uc218 \ud558\uc704 50%\uc5d0 \ud574\ub2f9 \ud558\ub294 \ucc28\uc8fc\ub4e4\uc740 \uc81c2\uae08\uc735\uad8c\uc774\ub098 \ub300\ubd80\uc5c5\uccb4\ub85c \ubc00\ub824\ub098\ub294 \uc5f0\uc1c4 \uc774\ub3d9 \ud604\uc0c1\uc774 \ubc1c\uc0dd\ud558\uace0 \uc788\ub2e4. \uc774\ub294 \uacb0\uacfc\uc801\uc73c\ub85c \uc804\uccb4 \uae08\uc735 \uc2dc\uc2a4\ud15c \ub0b4\uc5d0\uc11c \uc11c\ubbfc\ub4e4\uc758 \uc774\uc790 \ube44\uc6a9\uc744 \ud3ed\uc99d\uc2dc\ud0a4\uace0 \uac00\uacc4 \uacbd\uc81c\uc758 \uc9c8\uc744 \ud558\ub77d\uc2dc\ud0a4\ub294 \ub1cc\uad00\uc73c\ub85c \uc791\uc6a9\ud558\uba70, \ud3ec\uc6a9\uae08 \uc735\uc758 \uc2e4\ud6a8\uc131\uc5d0 \ub300\ud55c \uc758\uad6c\uc2ec\uc744 \ub0b3\uace0 \uc788\ub2e4.<\/p>\n\n\n\n

\ub300\uc548\uc2e0\uc6a9\ud3c9\uac00\ubaa8\ud615(CSS, Credit Scoring System)<\/strong><\/p>\n\n\n\n

\uc804\ud1b5\uc801\uc778 \uae08\uc735 \uac70\ub798 \uc815\ubcf4 \ub300\uc2e0 \ube44\uae08\uc735 \ub300\uc548\uc815\ubcf4\uc640 \uc778\uacf5\uc9c0\ub2a5(AI)\u00b7\uba38 \uc2e0\ub7ec\ub2dd \uae30\uc220\uc744 \ud65c\uc6a9\ud574 \uac1c\uc778 \ubc0f \uc18c\uc0c1\uacf5\uc778\uc758 \uc2e0\uc6a9\uc744 \ub2e4\uac01\ub3c4\ub85c \ud3c9\uac00\ud558\ub294 \uc2dc\uc2a4\ud15c<\/p>\n\n\n\n

\ud601\uc2e0 \uae08\uc735\uc758 \uc2e4\ud328\uc778\uac00, \ud53c\ud560 \uc218 \uc5c6\ub294 \ud604\uc2e4\uc801 \ud0c0\ud611\uc778\uac00<\/strong><\/p>\n\n\n\n

\uc2dc\uc7a5\uacfc \uc804\ubb38\uac00\ub4e4\uc758 \ud3c9\uac00\ub294 \uc778\ud130\ub137\uc740\ud589\uc758 \ud601\uc2e0 \uc2e4\ud328\ub77c\ub294 \ube44\ud310\uacfc \ud604\uc2e4\uc801 \uc0dd\uc874\uc744 \uc704\ud55c \ubd88\uac00\ud53c\ud55c \uc120\ud0dd\uc774\ub77c\ub294 \ub3d9\uc815\ub860 \uc73c\ub85c \uc591\ubd84\ub418\uc5b4 \uc788\ub2e4. \ube44\ud310\uc801\uc778 \uc2dc\uac01\uc744 \uacac\uc9c0\ud558\ub294 \uce21\uc740 \uc778\ud130\ub137\uc740\ud589\ub4e4\uc774 \uadf8\ub3d9\uc548 \uc7a5\ub2f4\ud574 \uc628 \ub300\uc548\uc2e0\uc6a9\ud3c9\uac00\ubaa8\ud615\uc758 \ubcc0\ubcc4\ub825\uc774 \uc2e4\uc81c \uc704\uae30 \uc0c1\ud669\uc5d0\uc11c \uc804\ud600 \uc791\ub3d9\ud558\uc9c0 \uc54a\uc558\ub2e4\uace0 \uc9c0\uc801\ud55c\ub2e4. \ube44\uae08\uc735 \ub370\uc774\ud130\ub97c \ud65c\uc6a9\ud574 \uc228\uc740 \uc6b0\ub7c9 \ucc28\uc8fc\ub97c \ubc1c\uad74 \ud558\uaca0\ub2e4\ub358 \uae30\uc220\uc801 \ud601\uc2e0\uc774 \uace0\uae08\ub9ac \ud30c\uace0\ub97c \ub118\uc9c0 \ubabb\ud55c \ucc44 \ud55c\uacc4\ub97c \ub4dc\ub7ec\ub0c8\ub2e4\ub294 \uac83\uc774\ub2e4. \ubc18\uba74, \uc778\ud130\ub137\uc740\ud589 \uc5c5\uacc4\uc758 \uc785\uc7a5\uc744 \ub300\ubcc0\ud558\ub294 \ubaa9\uc18c\ub9ac\ub3c4 \uc801\uc9c0 \uc54a\ub2e4. \uc740\ud589\uc758 \ubcf8\uc9c8\uc801 \uac00\uce58\uc778 \uc790\uc0b0 \uac74\uc804\uc131\uc774 \ubd95\uad34\ub420 \uacbd\uc6b0 \uadf8 \ud53c\ud574\ub294 \uace0\uc2a4\ub780\ud788 \uc608\uae08\uc790 \uc5d0\uac8c \ub3cc\uc544\uac00\uae30 \ub54c\ubb38\uc5d0, \ub9f9\ubaa9\uc801\uc778 \uc911\uc800\uc2e0\uc6a9\uc790 \ub300\ucd9c \ud655\ub300\ub294 \uc624\ud788\ub824 \ubb34\ucc45\uc784\ud55c \uacbd\uc601\uc774\ub77c\ub294 \ud3c9\uac00\ub2e4. \uae08\uc735\uc0b0\uc5c5\uc758 \ud2b9\uc131\uc0c1 \uaddc\uc81c\uc640 \uac70\uc2dc\uacbd\uc81c\uc758 \uc601\ud5a5\uc744 \uc808\ub300\uc801\uc73c\ub85c \ubc1b\ub294 \ub9cc\ud07c, \uc778\ud130\ub137\uc740\ud589\uc5d0\uac8c\ub9cc \ubb34\ub9ac\ud558\uac8c \uc0ac\ud68c\uc801 \ucc45\uc784\uc744 \uac15\uc694\ud558\ub294 \uac83\uc740 \uc2dc\uc7a5 \uc6d0\ub9ac\uc5d0 \uc5b4\uae0b\ub09c\ub2e4\ub294 \uc8fc\uc7a5\ub3c4 \ud33d\ud33d\ud558\uac8c \ub9de\uc11c\uba70 \uc815\uccb4\uc131 \ub17c\ub780\uc744 \uac00\uc911\uc2dc\ud0a4\uace0 \uc788\ub2e4.<\/p>\n\n\n\n

\uc2e0\uc6a9\ud3c9\uac00\ubaa8\ud615 \uace0\ub3c4\ud654 \ubc0f \uc815\ucc45\uc801 \uc548\uc804\ub9dd \uad6c\ucd95\uc758 \uc2dc\uae09\uc131<\/strong><\/p>\n\n\n\n

\uc778\ud130\ub137\uc740\ud589\uc758 \ub300\ucd9c \ubcf4\uc218\ud654 \ud604\uc0c1\uc740 \uad6d\ub0b4 \uae08\uc735\uc2dc\uc7a5\uc5d0 \uc815\uad50\ud55c \ub9ac\uc2a4\ud06c \uad00\ub9ac \uae30\ubc95 \ub3c4\uc785\uacfc \ud3ec\uc6a9\uae08\uc735\uc744 \ub4b7\ubc1b\uce68\ud560 \uc81c\ub3c4\uc801 \ubcf4\uc644\uc774 \uc2dc\uae09\ud558\ub2e4\ub294 \uc911\ub300\ud55c \uc2dc\uc0ac\uc810\uc744 \ub358\uc9c4\ub2e4. \uc6b0\uc120, \uc778\ud130\ub137\uc740\ud589\ub4e4\uc740 \ud1b5\uc2e0 \ub370\uc774\ud130, \uc774\ucee4\uba38\uc2a4 \uacb0\uc81c \ub0b4\uc5ed \ub4f1 \ube44\uae08\uc735 \ub300\uc548 \ub370\uc774\ud130\ub97c \ub354\uc6b1 \uc815\ubc00\ud558\uac8c \ubd84\uc11d\ud558\uc5ec \uc2e0\uc6a9\ud3c9\uac00\ubaa8 \ud615\uc744 \uadfc\ubcf8\uc801\uc73c\ub85c \uace0\ub3c4\ud654\ud574\uc57c \ud55c\ub2e4. \uacbd\uae30 \uce68\uccb4\uae30\uc5d0\ub3c4 \ubd80\uc2e4 \uc704\ud5d8\uc744 \uc815\ud655\ud788 \ud0c0\uac9f\ud305\ud560 \uc218 \uc788\ub294 \uc790\uccb4\uc801\uc778 \ub9ac\uc2a4\ud06c \ud5e4 \uc9c0 \uc5ed\ub7c9\uc744 \uac16\ucd94\uc9c0 \ubabb\ud55c\ub2e4\uba74, \uacb0\uad6d \uc2dc\uc911\uc740\ud589\uacfc\uc758 \uae08\ub9ac \uacbd\uc7c1\uc5d0 \ub9e4\ubab0\ub420 \uc218\ubc16\uc5d0 \uc5c6\ub2e4. \uc544\uc6b8\ub7ec \uae08\uc735\ub2f9\uad6d\uc758 \ud68d\uc77c\uc801\uc778 \uc911\uc800\uc2e0\uc6a9\uc790 \ub300\ucd9c \ube44\uc911 \ubaa9\ud45c\uce58 \ubd80\uacfc \ubc29\uc2dd\ub3c4 \uc7ac\uace0\ub420 \ud544\uc694\uac00 \uc788\ub2e4. \ubb34\uc870\uac74\uc801\uc778 \uc591\uc801 \ubaa9\ud45c \ub2ec\uc131 \uc555\ubc15\ubcf4\ub2e4\ub294, \uc740\ud589\uc774 \uac74\uc804\uc131\uc744 \ud6fc\uc190\ud558\uc9c0 \uc54a\ub294 \uc120\uc5d0\uc11c \ud3ec\uc6a9\uae08\uc735\uc744 \uc2e4\ucc9c\ud560\uc218 \uc788\ub3c4\ub85d \ub300\uc190\ubcf4\uc804\uae30\uae08 \ud655\ub300\ub098 \uc815\ucc45\uae08\uc735\uc0c1\ud488\uacfc\uc758 \uc5f0\uacc4 \uac15\ud654 \ub4f1 \uc815\ubd80 \ucc28\uc6d0\uc758 \uc778\uc13c\ud2f0\ube0c\uc640 \uc548\uc804\ub9dd\uc774 \ud568\uaed8 \uc81c\uacf5\ub418\uc5b4\uc57c \ud55c\ub2e4. \ubbfc\uac04 \uc740\ud589\uc758 \uae30\uc220\ub825\uacfc \uacf5\uacf5\uc758 \uc815\ucc45\uc801 \uc9c0\uc6d0\uc774 \uacb0\ud569\ud560 \ub54c \ube44\ub85c\uc18c \uc9c4\uc815\ud55c \uc758\ubbf8\uc758 \uae08\uc735 \ud601\uc2e0\uc774 \uac00\ub2a5\ud558\ub2e4.<\/p>\n\n\n\n

\uaddc\uc81c \uc644\ud654\uc640 \uad00\ub9ac \uac10\ub3c5 \uc0ac\uc774, \ub2f9\uad6d\uc758 \ub51c\ub808\ub9c8\uc640 \uacfc\uc81c<\/strong><\/p>\n\n\n\n

\uae08\uc735\ub2f9\uad6d \uc5ed\uc2dc \uc778\ud130\ub137\uc740\ud589\uc758 \ub300\ucd9c \ubcf4\uc218\ud654 \uc0ac\ud0dc\ub97c \ub450\uace0 \uba85\ubd84\uacfc \ud604\uc2e4 \uc0ac\uc774\uc5d0\uc11c \uae4a\uc740 \ub51c\ub808\ub9c8\uc5d0 \ube60\uc838 \uc788\ub2e4. \ud55c\ud3b8\uc73c \ub85c\ub294 \uac00\uacc4\ubd80\ucc44\uc758 \uc9c8\uc801 \uc545\ud654\ub97c \ub9c9\uace0 \uae08\uc735 \uc2dc\uc2a4\ud15c\uc758 \uc548\uc815\uc744 \uaf80\ud558\uae30 \uc704\ud574 \uc740\ud589\uad8c\uc5d0 \uc5c4\uaca9\ud55c \uc7a3\ub300\ub97c \ub4e4\uc774\ub300\uc57c \ud558\uc9c0 \ub9cc, \ub2e4\ub978 \ud55c\ud3b8\uc73c\ub85c\ub294 \uc778\ud130\ub137\uc740\ud589 \uc124\ub9bd \ucde8\uc9c0\uc778 \uc911\uc800\uc2e0\uc6a9\uc790 \ub300\ucd9c \uacf5\uae09\uc744 \ub9c8\ub0e5 \ubc29\uce58\ud560 \uc218\ub3c4 \uc5c6\ub294 \ub178\ub987\uc774\uae30 \ub54c\ubb38\uc774 \ub2e4. \uc774\uc5d0 \ub530\ub77c \uae08\uc735\ub2f9\uad6d\uc740 \uc778\ud130\ub137\uc740\ud589\uc758 \uc911\uc800\uc2e0\uc6a9\uc790 \ub300\ucd9c \ubaa9\ud45c\uce58 \uc0b0\uc815 \ubc29\uc2dd\uc744 \uc77c\ubd80 \uc644\ud654\ud574\uc8fc\uba74\uc11c\ub3c4, \uc11c\ubbfc\uae08\uc735 \uc9c4\ud765\uc6d0 \ub4f1\uacfc \uc5f0\uacc4\ud55c \ubcf4\uc99d\ubd80 \ub300\ucd9c \uc0c1\ud488\uc744 \ud65c\uc131\ud654\ud558\ub294 \ubc29\ud5a5\uc73c\ub85c \uc815\ucc45 \uc120\ud68c\ub97c \ubaa8\uc0c9\ud558\uace0 \uc788\ub2e4. \ubb34\ub9ac\ud55c \ub300\ucd9c \uc555\ubc15\uc774 \uc624\ud788\ub824 \uc740\ud589\uc758 \uc874\ub9bd\uc744 \uc704\ud611\ud560 \uc218 \uc788\ub2e4\ub294 \ud310\ub2e8 \ud558\uc5d0, \uc720\uc5f0\ud55c \uaddc\uc81c \uc801\uc6a9\uc744 \ud1b5\ud574 \uc2dc\uc7a5\uc758 \ucda9\uaca9\uc744 \uc644\ud654\ud558\uaca0\ub2e4\ub294 \uc758\ub3c4\ub85c \ud480\uc774\ub41c\ub2e4. \ud5a5\ud6c4 \uae08\uc735\ub2f9\uad6d\uc740 \uc778\ud130\ub137\uc740\ud589\uc774 \uc790\uccb4\uc801\uc778 \uc2e0\uc6a9\ud3c9\uac00 \uc5ed\ub7c9\uc744 \uc785\uc99d\ud560 \uc218 \uc788\ub3c4\ub85d \ub370\uc774\ud130 \uacb0\ud569\uc744 \uc9c0\uc6d0\ud558\ub294 \ub3d9\uc2dc\uc5d0, \ucd18\ucd18\ud55c \ubaa8\ub2c8\ud130\ub9c1 \uccb4\uacc4\ub97c \uac00\ub3d9\ud558\uc5ec \ud2c8\uc0c8 \uc2dc\uc7a5\uc744 \uba54\uc6b0\ub294 \uc5ed\ud560\uc744 \ud68c\ubcf5\ud558\ub3c4\ub85d \uc720\ub3c4\ud574\uc57c \ud560 \uacfc\uc81c\ub97c \uc548\uace0 \uc788\ub2e4.<\/p>\n\n\n\n

\uae08\ub9ac \uc778\ud558 \uae30\ub300\uac10 \uc18d \uac74\uc804\uc131 \uc911\uc2ec\uc758 \uc81c\ud55c\uc801 \uc131\uc7a5 \uc804\ub9dd<\/strong><\/p>\n\n\n\n

\ud5a5\ud6c4 \uc778\ud130\ub137\uc740\ud589\ub4e4\uc758 \ub300\ucd9c \uc601\uc5c5 \uae30\uc870\ub294 \ub2f9\ubd84\uac04 \ud604\uc7ac\uc758 \ubcf4\uc218\uc801\uc778 \uc785\uc7a5\uc744 \uc9c0\uc18d\uc801\uc73c\ub85c \uc720\uc9c0\ud560 \uac00\ub2a5\uc131\uc774 \ub192\uac8c \uc810\uccd0\uc9c4\ub2e4. \ud558\ubc18\uae30 \ub4e4\uc5b4 \uae30\uc900\uae08\ub9ac \uc778\ud558 \uac00\ub2a5\uc131\uc774 \uc870\uc2ec\uc2a4\ub7fd\uac8c \uc81c\uae30\ub418\uace0 \uc788\uc73c\ub098, \ub204\uc801\ub41c \uac00\uacc4\ubd80\ucc44 \uaddc\ubaa8\uc640 \ubd80\ub3d9\uc0b0 \ud504\ub85c\uc81d\ud2b8\ud30c\uc774\ub0b8\uc2f1(PF) \ubd80\uc2e4 \uc6b0\ub824 \ub4f1 \uac70\uc2dc\uacbd\uc81c\uc758 \ubd88\ud655\uc2e4\uc131\uc774 \uc5ec\uc804\ud788 \uc9d9\uac8c \uae54\ub824 \uc788\uae30 \ub54c\ubb38\uc774\ub2e4. \uae08\uc735\ub2f9\uad6d \uc5ed\uc2dc \uc740\ud589\uad8c \uc804\ubc18\uc5d0 \uac78\uccd0 \uac15\ub825\ud55c \uc790\ubcf8 \ud655\ucda9\uacfc \uc190\uc2e4\ud761\uc218\ub2a5\ub825 \uc81c\uace0\ub97c \uc694\uad6c\ud558\uace0 \uc788\uc5b4, \uc778\ud130\ub137\uc740\ud589\ub4e4\uc774 \ubb34\ub9ac\ud558\uac8c \ucde8\uc57d\ucc28\uc8fc \ub300\ucd9c\uc744 \ud655\ub300\ud558\uae30\ub294 \ud604\uc2e4\uc801\uc73c\ub85c \uc5b4\ub824\uc6b4 \uc2e4\uc815\uc774\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"

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