{"id":57855,"date":"2025-05-18T08:19:03","date_gmt":"2025-05-17T23:19:03","guid":{"rendered":"https:\/\/8gfg.shop\/blog\/lifestyle\/a-list-of-financial-products-that-new-members-of-society-must-subscribe-to"},"modified":"2025-05-18T08:19:06","modified_gmt":"2025-05-17T23:19:06","slug":"a-list-of-financial-products-that-new-members-of-society-must-subscribe-to","status":"publish","type":"post","link":"https:\/\/8gfg.shop\/blog\/lifestyle\/a-list-of-financial-products-that-new-members-of-society-must-subscribe-to","title":{"rendered":"\uc0ac\ud68c\ucd08\ub144\uc0dd\uc774\ub77c\uba74 \ubc18\ub4dc\uc2dc \uac00\uc785\ud574\uc57c \ud560 \uae08\uc735\uc0c1\ud488 \ub9ac\uc2a4\ud2b8"},"content":{"rendered":"<ul class=\"toc_post_list\">\n<li>\n<h2>\ubaa9\ucc28<\/h2>\n<ul>\n<li><a href=\"#%ec%82%ac%ed%9a%8c%ec%b4%88%eb%85%84%ec%83%9d%ec%9d%b4%eb%9d%bc%eb%a9%b4-%eb%b0%98%eb%93%9c%ec%8b%9c-%ea%b0%80%ec%9e%85%ed%95%b4%ec%95%bc-%ed%95%a0-%ea%b8%88%ec%9c%b5%ec%83%81%ed%92%88-%eb%a6%ac-UyOJXhsayS\">\uc0ac\ud68c\ucd08\ub144\uc0dd\uc774\ub77c\uba74 \ubc18\ub4dc\uc2dc \uac00\uc785\ud574\uc57c \ud560 \uae08\uc735\uc0c1\ud488 \ub9ac\uc2a4\ud2b8<\/a><\/li>\n<li><a href=\"#%ec%84%b9%ec%85%98-1-%ea%b8%b0%ec%b4%88-%ea%b8%88%ec%9c%b5-%ec%a7%80%ec%8b%9d%ec%9d%98-%ec%a4%91%ec%9a%94%ec%84%b1%ea%b3%bc-%ea%b8%88%ec%9c%b5%ec%83%81%ed%92%88-%ec%9d%b4%ed%95%b4-UyOJXhsayS\">\uc139\uc158 1. \uae30\ucd08 \uae08\uc735 \uc9c0\uc2dd\uc758 \uc911\uc694\uc131\uacfc \uae08\uc735\uc0c1\ud488 \uc774\ud574<\/a><\/li>\n<li><a href=\"#%ec%84%b9%ec%85%98-2-%ec%82%ac%ed%9a%8c%ec%b4%88%eb%85%84%ec%83%9d%ec%97%90-%eb%a7%9e%eb%8a%94-%ec%a0%80%ec%b6%95-%eb%b0%8f-%ed%88%ac%ec%9e%90-%ec%83%81%ed%92%88-UyOJXhsayS\">\uc139\uc158 2. \uc0ac\ud68c\ucd08\ub144\uc0dd\uc5d0 \ub9de\ub294 \uc800\ucd95 \ubc0f \ud22c\uc790 \uc0c1\ud488<\/a><\/li>\n<li><a href=\"#%ec%84%b9%ec%85%98-3-%eb%b3%b4%ed%97%98-%ec%83%81%ed%92%88%ec%9d%98-%ed%95%84%ec%9a%94%ec%84%b1%ea%b3%bc-%ec%84%a0%ed%83%9d-%eb%b0%a9%eb%b2%95-UyOJXhsayS\">\uc139\uc158 3. \ubcf4\ud5d8 \uc0c1\ud488\uc758 \ud544\uc694\uc131\uacfc \uc120\ud0dd \ubc29\ubc95<\/a><\/li>\n<li><a href=\"#%ec%84%b9%ec%85%98-4-%eb%8c%80%ec%b6%9c%ea%b3%bc-%ec%8b%a0%ec%9a%a9-%ea%b4%80%eb%a6%ac-%eb%b0%8f-%ea%b8%88%ec%9c%b5-%eb%a6%ac%ec%8a%a4%ed%81%ac-%ea%b4%80%eb%a6%ac-UyOJXhsayS\">\uc139\uc158 4. \ub300\ucd9c\uacfc \uc2e0\uc6a9 \uad00\ub9ac \ubc0f \uae08\uc735 \ub9ac\uc2a4\ud06c \uad00\ub9ac<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>    <title id=\"%ec%82%ac%ed%9a%8c%ec%b4%88%eb%85%84%ec%83%9d%ec%9d%b4%eb%9d%bc%eb%a9%b4-%eb%b0%98%eb%93%9c%ec%8b%9c-%ea%b0%80%ec%9e%85%ed%95%b4%ec%95%bc-%ed%95%a0-%ea%b8%88%ec%9c%b5%ec%83%81%ed%92%88-%eb%a6%ac-UyOJXhsayS\">\uc0ac\ud68c\ucd08\ub144\uc0dd\uc774\ub77c\uba74 \ubc18\ub4dc\uc2dc \uac00\uc785\ud574\uc57c \ud560 \uae08\uc735\uc0c1\ud488 \ub9ac\uc2a4\ud2b8<\/title><\/p>\n<h1 id=\"%ec%82%ac%ed%9a%8c%ec%b4%88%eb%85%84%ec%83%9d%ec%9d%b4%eb%9d%bc%eb%a9%b4-%eb%b0%98%eb%93%9c%ec%8b%9c-%ea%b0%80%ec%9e%85%ed%95%b4%ec%95%bc-%ed%95%a0-%ea%b8%88%ec%9c%b5%ec%83%81%ed%92%88-%eb%a6%ac-UyOJXhsayS\">\uc0ac\ud68c\ucd08\ub144\uc0dd\uc774\ub77c\uba74 \ubc18\ub4dc\uc2dc \uac00\uc785\ud574\uc57c \ud560 \uae08\uc735\uc0c1\ud488 \ub9ac\uc2a4\ud2b8<\/h1>\n<p>\uc0ac\ud68c\uc5d0 \uccab \ubc1c\uc744 \ub0b4\ub51b\ub294 \uccad\ub144\ub4e4\uc740 \ub9ce\uc740 \uace0\ubbfc\uacfc \ubd88\uc548 \uc18d\uc5d0\uc11c \uacbd\uc81c \ud65c\ub3d9\uc744 \uc2dc\uc791\ud558\uac8c \ub429\ub2c8\ub2e4. \ubd88\ud655\uc2e4\ud55c \ubbf8\ub798\uc5d0 \ub300\ube44\ud558\uace0 \uccb4\uacc4\uc801\uc778 \uc7ac\ubb34\uad00\ub9ac\ub97c \uc704\ud574 \uc62c\ubc14\ub978 \uae08\uc735\uc0c1\ud488 \uc120\ud0dd\uc740 \ub9e4\uc6b0 \uc911\uc694\ud55c \uacfc\uc81c\uc785\ub2c8\ub2e4. \uc774 \uae00\uc5d0\uc11c\ub294 \uae08\uc735 \uc804\uacf5\uc790\uc640 \uc2e4\ubb34 \uacbd\ud5d8\uc744 \uac00\uc9c4 \uc804\ubb38\uac00\uc758 \uc2dc\uac01\uc5d0\uc11c \uc0ac\ud68c\ucd08\ub144\uc0dd\ub4e4\uc5d0\uac8c \uaf2d \ud544\uc694\ud55c \uae08\uc735\uc0c1\ud488\ub4e4\uc744 \uc2ec\ub3c4 \uc788\uac8c \ubd84\uc11d\ud558\uace0, \uac01 \uc0c1\ud488\uc758 \ud2b9\uc131\uacfc \uc7a5\ub2e8\uc810, \uac00\uc785 \uc2dc \uace0\ub824\ud574\uc57c \ud560 \uc694\uc18c \ub4f1\uc744 \uc0c1\uc138\ud788 \uc124\uba85\ud558\uace0\uc790 \ud569\ub2c8\ub2e4.<\/p>\n<p>\uae08\uc735\uc0c1\ud488\uc758 \uc885\ub958\ub294 \ub9e4\uc6b0 \ub2e4\uc591\ud558\uba70, \uac01\uac01\uc758 \uc0c1\ud488\uc740 \ubaa9\uc801, \ub9ac\uc2a4\ud06c, \uc218\uc775\ub960 \ub4f1\uc774 \ub2e4\ub985\ub2c8\ub2e4. \uc0ac\ud68c\ucd08\ub144\uc0dd\ub4e4\uc5d0\uac8c \uc801\ud569\ud55c \uc0c1\ud488\uc740 \uc790\uc2e0\uc758 \ud604\uc7ac \uc0c1\ud669\uacfc \ubbf8\ub798\uc758 \ubaa9\ud45c\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc73c\uba70, \ub2e4\uc591\ud55c \uae08\uc735\uc0c1\ud488\uc5d0 \ub300\ud55c \uae30\ucd08 \uc9c0\uc2dd\uc744 \uc2b5\ub4dd\ud558\ub294 \uac83\uc774 \ud544\uc218\uc785\ub2c8\ub2e4. \ubcf8 \uac8c\uc2dc\uae00\uc5d0\uc11c\ub294 \uae08\uc735\uc0c1\ud488\uc758 \uc804\ubc18\uc801\uc778 \uc774\ud574\ub97c \ub3d5\uae30 \uc704\ud574 \uae30\ucd08 \uae08\uc735\uc9c0\uc2dd\ubd80\ud130 \uc2dc\uc791\ud574 \uc800\ucd95 \ubc0f \ud22c\uc790, \ubcf4\ud5d8, \ub300\ucd9c\uacfc \uc2e0\uc6a9\uad00\ub9ac\uae4c\uc9c0 \ub124 \uac00\uc9c0 \ud575\uc2ec \uc139\uc158\uc73c\ub85c \ub098\ub204\uc5b4 \uc124\uba85\ud569\ub2c8\ub2e4.<\/p>\n<p>\ucd5c\uadfc \ud1b5\uacc4\uc5d0 \ub530\ub974\uba74, \uae08\uc735\uc18c\ube44\uc790\ub4e4\uc774 \uae08\uc735\uc0c1\ud488 \uc120\ud0dd\uc5d0 \uc5b4\ub824\uc6c0\uc744 \uacaa\ub294 \uc8fc\uc694 \uc6d0\uc778\uc740 \uae30\ucd08 \uc9c0\uc2dd \ubd80\uc871\uacfc \uc798\ubabb\ub41c \uc815\ubcf4\uc5d0 \uae30\ubc18\ud55c \ud310\ub2e8\uc774\ub77c\ub294 \uc810\uc774 \ub450\ub4dc\ub7ec\uc9d1\ub2c8\ub2e4. 2022\ub144 \uae08\uc735\uac10\ub3c5\uc6d0\uc758 \uc870\uc0ac\uc5d0\uc11c\ub294 \uc0ac\ud68c\ucd08\ub144\uc0dd\uc758 67%\uac00 \uae08\uc735\uc0c1\ud488\uc5d0 \ub300\ud55c \uc815\ubcf4 \ubd80\uc871\uc744 \ud638\uc18c\ud558\uc600\uc73c\uba70, \uc774\ub85c \uc778\ud574 \ubd88\ud544\uc694\ud55c \ub300\ucd9c\uc774\ub098 \ubcf4\ud5d8 \uac00\uc785\uc73c\ub85c \uace0\ubbfc\ud558\ub294 \uc0ac\ub840\uac00 \ub9ce\uc558\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \ud074\ub9ac\uc5b4\ud55c \uae08\uc735\uad50\uc721\uc740 \uc0ac\ud68c\ucd08\ub144\uc0dd\ub4e4\uc774 \uc7ac\uc815\uc801 \uc548\uc815\uacfc \ubbf8\ub798\uc758 \uc790\uc0b0 \ud615\uc131\uc744 \uc704\ud55c \uc911\uc694\ud55c \uc2dc\uc791\uc810\uc774 \ub420 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\ud2b9\ud788 \ucd5c\uadfc\uc758 \uacbd\uc81c \ubd88\uc548\uc815 \ubc0f \uae00\ub85c\ubc8c \uae08\uc735\uc2dc\uc7a5\uc758 \ubcc0\ub3d9\uc131\uc740 \uac1c\uc778 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \ud070 \ubd80\ub2f4\uc73c\ub85c \uc791\uc6a9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc0c1\ud669\uc5d0\uc11c \uccb4\uacc4\uc801\uc778 \uc7ac\ubb34 \uad00\ub9ac\uc640 \uc804\ubb38\uc801\uc778 \uc790\ubb38\uc740 \ub354\uc6b1 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud558\uac8c \ub418\uba70, \uae08\uc735\uc0c1\ud488 \uc120\ud0dd\uc740 \ub2e8\uc21c\ud55c \u2018\uac00\uc785\u2019\uc774 \uc544\ub2c8\ub77c \uc7a5\uae30\uc801\uc778 \uc7ac\ubb34 \uacc4\ud68d\uc758 \uc77c\ud658\uc73c\ub85c \uc811\uadfc\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774 \uae00\uc740 \uc5ec\ub7ec\ubd84\ub4e4\uc774 \ud604\uba85\ud55c \uae08\uc735 \uacb0\uc815\uc744 \ub0b4\ub9b4 \uc218 \uc788\ub3c4\ub85d \ub3d5\uae30 \uc704\ud574 \ucd5c\uc2e0 \ud1b5\uacc4\uc640 \uc0ac\ub840, \uc2e4\ubb34 \uc870\uc5b8\uc744 \ubc14\ud0d5\uc73c\ub85c \uc791\uc131\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uae08\uc735\uc2dc\uc7a5\uc5d0\uc11c \uc81c\uacf5\ub418\ub294 \ub2e4\uc591\ud55c \uc0c1\ud488\ub4e4 \uc911\uc5d0\ub294 \uc608\uae08, \uc801\uae08, \ud380\ub4dc, ETF, \uc8fc\uc2dd, \ucc44\uad8c, \ubcf4\ud5d8 \ub4f1 \ub2e4\uc591\ud55c \uc720\ud615\uc774 \uc788\uc73c\uba70, \uac01 \uc0c1\ud488\ub9c8\ub2e4 \uc218\uc775 \uad6c\uc870\ub098 \ub9ac\uc2a4\ud06c \uad00\ub9ac \ubc29\ubc95\uc774 \ub2e4\ub985\ub2c8\ub2e4. \uc0ac\ud68c\ucd08\ub144\uc0dd\uc774 \ucc98\uc74c \uac00\uc785\ud560 \uc218 \uc788\ub294 \uc548\uc815\uc801\uc778 \uae08\uc735\uc0c1\ud488\uc73c\ub85c\ub294 \uc801\uae08\uc774\ub098 \uc608\uae08\uacfc \uac19\uc740 \uc800\uc704\ud5d8 \uc0c1\ud488\uc774 \ucd94\ucc9c\ub418\uc9c0\ub9cc, \uc7a5\uae30\uc801\uc778 \uc790\uc0b0 \uc99d\uc2dd\uc744 \uc704\ud574\uc11c\ub294 \ud22c\uc790 \uc0c1\ud488\ub3c4 \ud568\uaed8 \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub97c \uc704\ud574 \ubcf8 \uac8c\uc2dc\uae00\uc5d0\uc11c\ub294 \uac01 \uc0c1\ud488\uc758 \ud6a8\uacfc\uc640 \uc2e4\uc81c \uc0ac\ub840, \ud22c\uc790 \uc131\uacf5 \uc694\uc778 \ub4f1\uc744 \uc2ec\ub3c4 \uc788\uac8c \ubd84\uc11d\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c \uae08\uc735\uc0c1\ud488 \uc120\ud0dd \uc2dc \uc8fc\uc758\ud574\uc57c \ud560 \uc810\uc740 \ub2e8\uc21c\ud55c \uc218\uc775\ub960 \uc678\uc5d0\ub3c4 \uac01 \uc0c1\ud488\uc758 \uc720\ub3d9\uc131, \uc138\uc81c \ud61c\ud0dd, \uac00\uc785 \uc870\uac74 \ub4f1\uc744 \uaf3c\uaf3c\ud558\uac8c \uc0b4\ud3b4\ubd10\uc57c \ud55c\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc7a5\uae30 \ud22c\uc790 \uc0c1\ud488\uc740 \ub2e8\uae30 \uc720\ub3d9\uc131\uc5d0\uc11c \ubd88\ub9ac\ud560 \uc218 \uc788\uc73c\uba70, \uc77c\ubd80 \ubcf4\ud5d8 \uc0c1\ud488\uc740 \uc911\ub3c4\ud574\uc9c0 \uc2dc \ubd88\uc774\uc775\uc774 \ub530\ub974\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \ubaa8\ub4e0 \uae08\uc735\uc0c1\ud488\uc740 \uc790\uc2e0\uc758 \uc7ac\ubb34 \uc0c1\ud669\uacfc \ubaa9\ud45c\uc5d0 \ub9de\uac8c \uc2e0\uc911\ud788 \uc120\ud0dd\ud574\uc57c \ud558\uba70, \ud544\uc694\uc2dc \uc804\ubb38\uac00\uc758 \uc870\uc5b8\uc744 \uad6c\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubcf8 \uae00\uc740 \uc0ac\ud68c\ucd08\ub144\uc0dd\ubfd0 \uc544\ub2c8\ub77c \ubaa8\ub4e0 \uae08\uc735 \uc18c\ube44\uc790\ub4e4\uc774 \uae08\uc735\uc0c1\ud488 \uc120\ud0dd\uc5d0 \uc788\uc5b4 \ubcf4\ub2e4 \uba85\ud655\ud55c \uae30\uc900\uc744 \uc138\uc6b0\uace0, \uccb4\uacc4\uc801\uc778 \uc7ac\ubb34 \uacc4\ud68d\uc744 \uc218\ub9bd\ud560 \uc218 \uc788\ub3c4\ub85d \ub3c4\uc6c0\uc744 \uc8fc\uace0\uc790 \ud569\ub2c8\ub2e4. \uac01 \uc139\uc158\ub9c8\ub2e4 \ucd5c\uc2e0 \ub3d9\ud5a5\uacfc \uc2e4\uc81c \uc0ac\ub840, \ud1b5\uacc4 \uc790\ub8cc\ub97c \uae30\ubc18\uc73c\ub85c \ud55c \ubd84\uc11d\uc744 \uc81c\uacf5\ud558\uc5ec \ub3c5\uc790\ub4e4\uc774 \ubcf4\ub2e4 \uae4a\uc774 \uc788\ub294 \uc815\ubcf4\ub97c \uc5bb\uc744 \uc218 \uc788\ub3c4\ub85d \uad6c\uc131\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc774\ucc98\ub7fc \uc0ac\ud68c\ucd08\ub144\uc0dd\ub4e4\uc740 \uc62c\ubc14\ub978 \uae08\uc735 \uc9c0\uc2dd \uc2b5\ub4dd\uacfc \uc2e0\uc911\ud55c \ubd84\uc11d\uc744 \ud1b5\ud574 \uc790\uc2e0\uc5d0\uac8c \uac00\uc7a5 \uc801\ud569\ud55c \uae08\uc735\uc0c1\ud488\uc744 \uc120\ud0dd\ud574\uc57c \ud569\ub2c8\ub2e4. \uc55e\uc73c\ub85c \uc774\uc5b4\uc9c0\ub294 \uc139\uc158\uc5d0\uc11c\ub294 \uae30\ucd08 \uae08\uc735 \uc9c0\uc2dd, \uc800\ucd95 \ubc0f \ud22c\uc790 \uc0c1\ud488, \ubcf4\ud5d8 \uc0c1\ud488, \ub300\ucd9c \ubc0f \uc2e0\uc6a9\uad00\ub9ac \ub4f1 \ub124 \uac00\uc9c0 \uc8fc\uc81c\ub85c \uc0c1\uc138\ud558\uac8c \ub2e4\ub8e8\uba74\uc11c \uac01\uac01\uc758 \uae08\uc735\uc0c1\ud488\uc774 \uc65c \ud544\uc694\ud55c\uc9c0, \uadf8\ub9ac\uace0 \uc2e4\uc9c8\uc801\uc73c\ub85c \uc5b4\ub5bb\uac8c \ud65c\uc6a9\ud560 \uc218 \uc788\ub294\uc9c0 \uad6c\uccb4\uc801\uc778 \uc0ac\ub840\uc640 \ub370\uc774\ud130, \uc804\ubb38\uac00\uc758 \uc870\uc5b8\uc744 \ud568\uaed8 \uc804\ub2ec\ud560 \uc608\uc815\uc785\ub2c8\ub2e4.<\/p>\n<h2 id=\"%ec%84%b9%ec%85%98-1-%ea%b8%b0%ec%b4%88-%ea%b8%88%ec%9c%b5-%ec%a7%80%ec%8b%9d%ec%9d%98-%ec%a4%91%ec%9a%94%ec%84%b1%ea%b3%bc-%ea%b8%88%ec%9c%b5%ec%83%81%ed%92%88-%ec%9d%b4%ed%95%b4-UyOJXhsayS\">\uc139\uc158 1. \uae30\ucd08 \uae08\uc735 \uc9c0\uc2dd\uc758 \uc911\uc694\uc131\uacfc \uae08\uc735\uc0c1\ud488 \uc774\ud574<\/h2>\n<p>\uae08\uc735\uc0c1\ud488 \uc138\uacc4\uc5d0 \uccab \ubc1c\uc744 \ub0b4\ub51b\ub294 \uc0ac\ud68c\ucd08\ub144\uc0dd\ub4e4\uc5d0\uac8c \uac00\uc7a5 \ud544\uc694\ud55c \uac83\uc740 \ubc14\ub85c \uae30\ucd08 \uae08\uc735 \uc9c0\uc2dd\uc785\ub2c8\ub2e4. \uc774 \uc139\uc158\uc5d0\uc11c\ub294 \uae08\uc735\uc0c1\ud488\uc758 \uae30\ubcf8 \uac1c\ub150\uacfc \uc6d0\ub9ac, \ub9ac\uc2a4\ud06c\uc640 \uc218\uc775\uc758 \uad00\uacc4, \uadf8\ub9ac\uace0 \ucd5c\uc2e0 \uae08\uc735 \ud2b8\ub80c\ub4dc\ub97c \uc774\ud574\ud558\ub294 \ub370 \ud544\uc218\uc801\uc778 \uc815\ubcf4\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \ub9ce\uc740 \uc5f0\uad6c\uc5d0 \ub530\ub974\uba74 \uae08\uc735 \uc9c0\uc2dd\uc774 \ubd80\uc871\ud55c \uc18c\ube44\uc790\uc77c\uc218\ub85d \ubd88\ud544\uc694\ud55c \ub300\ucd9c\uc774\ub098 \uace0\uc218\uc775\uc744 \ub178\ub9ac\ub294 \uc704\ud5d8\ud55c \ud22c\uc790\ub85c \ube60\uc9c0\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc73c\uba70, \uc774\ub294 \uc7a5\uae30\uc801\uc778 \uc7ac\ubb34 \uc548\uc815\uc131\uc5d0 \ud070 \ubb38\uc81c\ub97c \uc57c\uae30\ud569\ub2c8\ub2e4.<\/p>\n<p>\uccab \ubc88\uc9f8 \ud575\uc2ec \ud3ec\uc778\ud2b8\ub294 \u2018\ub9ac\uc2a4\ud06c \uad00\ub9ac\u2019\uc785\ub2c8\ub2e4. \uae08\uc735 \uc0c1\ud488 \uc120\ud0dd \uc2dc \uac00\uc7a5 \uc911\uc694\ud55c \uc694\uc18c \uc911 \ud558\ub098\ub294 \ubc14\ub85c \uac01 \uc0c1\ud488\uc758 \ub9ac\uc2a4\ud06c\ub97c \uc815\ud655\ud788 \ud30c\uc545\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \ub2e4\uc591\ud55c \uae08\uc735\uc0c1\ud488\uc740 \uadf8 \ud2b9\uc131\uc0c1 \ub9ac\uc2a4\ud06c\uc640 \uc218\uc775\uc774 \ube44\ub840\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc73c\uba70, \uc774\ub97c \uc774\ud574\ud558\uc9c0 \ubabb\ud558\uba74 \uc608\uc0c1\uce58 \ubabb\ud55c \uc190\uc2e4\uc744 \uc785\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc8fc\uc2dd \ud22c\uc790\ub294 \ub192\uc740 \uc218\uc775\ub960\uc744 \uae30\ub300\ud560 \uc218 \uc788\uc9c0\ub9cc \ub3d9\uc2dc\uc5d0 \uc2dc\uc7a5 \ubcc0\ub3d9\uc131\uc5d0 \ub530\ub978 \ud070 \uc190\uc2e4\uc744 \uac10\uc218\ud574\uc57c \ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub450 \ubc88\uc9f8 \uc911\uc694\ud55c \uc694\uc18c\ub294 \u2018\uc720\ub3d9\uc131\u2019\uc785\ub2c8\ub2e4. \uae08\uc735\uc0c1\ud488\uc5d0\ub294 \ub2e8\uae30\uc801\uc73c\ub85c \ud604\uae08\ud654\ud558\uae30 \uc26c\uc6b4 \uc0c1\ud488\ub3c4 \uc788\uc73c\uba70, \ubc18\ub300\ub85c \uc7a5\uae30\uc801\uc73c\ub85c \ubb36\uc5ec \uc788\ub294 \uc0c1\ud488\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uae08\uc735\uc704\uae30\ub098 \uac11\uc791\uc2a4\ub7f0 \uc0dd\ud65c\ube44 \ud544\uc694 \uc0c1\ud669\uc5d0 \ub300\ube44\ud574 \uc5b4\ub290 \uc815\ub3c4\uc758 \uc720\ub3d9\uc131\uc744 \ud655\ubcf4\ud558\ub294 \uac83\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc2e4\uc0dd\ud65c\uc5d0\uc11c \uc608\uae30\uce58 \uc54a\uc740 \ube44\uc0c1\uc0ac\ud0dc\uc5d0 \ub300\ube44\ud558\uae30 \uc704\ud574\uc11c\ub294 \ub9cc\uae30 \ub3c4\ub798 \uc804\uc5d0\ub3c4 \uc27d\uac8c \ud604\uae08\ud654\ud560 \uc218 \uc788\ub294 \uae08\uc735\uc0c1\ud488\uc5d0 \uc77c\ubd80 \uc790\uc0b0\uc744 \ubc30\ubd84\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc138 \ubc88\uc9f8\ub85c \uace0\ub824\ud574\uc57c \ud560 \uc0ac\ud56d\uc740 \u2018\uc138\uc81c \ud61c\ud0dd\u2019\uc785\ub2c8\ub2e4. \uc815\ubd80\ub098 \uae08\uc735\uae30\uad00\uc5d0\uc11c\ub294 \ud2b9\uc815 \uae08\uc735\uc0c1\ud488\uc5d0 \ub300\ud574 \uc138\uae08 \uc6b0\ub300\ub098 \uac10\uba74 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\ub294 \uacbd\uc6b0\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc5f0\uae08\uc800\ucd95\uc774\ub098 IRP(\uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08) \ub4f1\uc740 \uc7a5\uae30 \ud22c\uc790 \uc0c1\ud488\uc73c\ub85c\uc11c \uc138\uae08 \uce21\uba74\uc5d0\uc11c \ud070 \ud61c\ud0dd\uc744 \ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ucc98\ub7fc \uc138\uc81c\uc5d0 \uad00\ud55c \uc815\ubcf4\uc640 \ud61c\ud0dd\uc740 \ub2e8\uc21c\ud788 \uc218\uc775\ub960\ub9cc\uc774 \uc544\ub2c8\ub77c \uc2e4\uc81c\ub85c \uac00\uacc4 \uc7ac\ubb34 \uc0c1\ud0dc\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc744 \uace0\ub824\ud560 \ub54c \ub9e4\uc6b0 \uc911\uc694\ud55c \ud310\ub2e8 \uae30\uc900\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<p>\ub124 \ubc88\uc9f8 \ud3ec\uc778\ud2b8\ub294 \u2018\uae08\uc735\uc2dc\uc7a5 \ub3d9\ud5a5\u2019\uc785\ub2c8\ub2e4. \ucd5c\uadfc \uae00\ub85c\ubc8c \uacbd\uc81c\uc758 \ubd88\uc548\uc815\uc131\uacfc \ucf54\ub85c\ub09819 \ud32c\ub370\ubbf9 \ub4f1\uc758 \uc774\uc720\ub85c \uae08\uc735\uc2dc\uc7a5\uc740 \ub04a\uc784\uc5c6\uc774 \ubcc0\ub3d9\ud558\uace0 \uc788\uc73c\uba70, \uc774\uc5d0 \ub530\ub77c \uae08\uc735\uc0c1\ud488\uc758 \ud2b9\uc131\ub3c4 \ube60\ub974\uac8c \ubcc0\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc800\uae08\ub9ac \uae30\uc870\uac00 \uae38\uc5b4\uc9c0\uba74\uc11c \uace0\uc218\uc775\uc744 \ub0b4\uae30 \uc5b4\ub824\uc6b4 \uc608\uae08 \uc0c1\ud488 \ub300\uc2e0\uc5d0 \uc800\uc704\ud5d8 ETF\ub098 \ucc44\uad8c \uc0c1\ud488\uc73c\ub85c \ub208\uc744 \ub3cc\ub9ac\ub294 \ucd94\uc138\uac00 \ub098\ud0c0\ub098\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uae08\uc735\uc2dc\uc7a5 \ub3d9\ud5a5\uc5d0 \ub300\ud55c \ucd5c\uc2e0 \uc815\ubcf4\ub97c \uc2b5\ub4dd\ud558\ub294 \uac83\uc740 \ubc14\ub00c\ub294 \uc2dc\uc7a5 \ud658\uacbd\uc5d0 \uc2e0\uc18d\ud558\uac8c \ub300\uc751\ud558\uae30 \uc704\ud55c \ud544\uc218 \uc694\uc18c\uc785\ub2c8\ub2e4.<\/p>\n<p>\ub2e4\uc12f \ubc88\uc9f8\ub85c \uac15\uc870\ud560 \uc810\uc740 \u2018\uc815\ubcf4\uc758 \ucd9c\ucc98\u2019\uc785\ub2c8\ub2e4. \uc778\ud130\ub137\uacfc \ub2e4\uc591\ud55c \ub9e4\uccb4\uc5d0\uc11c \uc81c\uacf5\ub418\ub294 \uae08\uc735 \uc815\ubcf4 \uc911\uc5d0\ub294 \uac80\uc99d\ub418\uc9c0 \uc54a\uc740 \ub0b4\uc6a9\ub3c4 \ub9ce\uc544, \uc2e0\ub8b0\ud560 \uc218 \uc788\ub294 \uacf5\uc2dd \uc790\ub8cc\ub098 \uc804\ubb38\uac00\uc758 \uc758\uacac\uc744 \uc6b0\uc120\uc801\uc73c\ub85c \ucc38\uace0\ud574\uc57c \ud569\ub2c8\ub2e4. \uae08\uc735\uac10\ub3c5\uc6d0, \uae08\uc735\uc704\uc6d0\ud68c \ub4f1 \uacf5\uc2e0\ub825 \uc788\ub294 \uae30\uad00\uc5d0\uc11c \ubc1c\ud45c\ud558\ub294 \uc790\ub8cc\ub97c \ud65c\uc6a9\ud558\uba74 \ubcf4\ub2e4 \uc2e0\ub8b0\ud560 \uc218 \uc788\ub294 \uc815\ubcf4\ub97c \uc5bb\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc790\ub8cc\ub4e4\uc740 \uc0ac\ud68c\ucd08\ub144\uc0dd\ub4e4\uc774 \ud63c\ub780\uc2a4\ub7ec\uc6b4 \uae08\uc735\uc2dc\uc7a5 \uc18d\uc5d0\uc11c\ub3c4 \uc62c\ubc14\ub978 \ud310\ub2e8\uc744 \ub0b4\ub9ac\ub294 \ub370 \ud070 \ub3c4\uc6c0\uc744 \uc90d\ub2c8\ub2e4.<\/p>\n<p>\uc5ec\uc12f \ubc88\uc9f8 \uc8fc\uc694 \uc694\uc18c\ub294 \u2018\uc7ac\ubb34 \ubaa9\ud45c \uc124\uc815\u2019\uc785\ub2c8\ub2e4. \uae08\uc735\uc0c1\ud488 \uc120\ud0dd\uc740 \ub2e8\uc21c\ud788 \uc218\uc775\uc744 \ucd94\uad6c\ud558\ub294 \uac83\uc5d0 \uadf8\uce58\uc9c0 \uc54a\uace0, \uc790\uc2e0\uc758 \uc778\uc0dd \ubaa9\ud45c\uc640 \uc7ac\ubb34 \uacc4\ud68d\uc5d0 \ub9de\uac8c \uc804\ub7b5\uc801\uc73c\ub85c \uc811\uadfc\ud574\uc57c \ud569\ub2c8\ub2e4. \ub2e8\uae30\uc801\uc778 \uc18c\ube44 \uc695\uad6c\ub97c \ucda9\uc871\uc2dc\ud0a4\uae30 \uc704\ud55c \uc0c1\ud488\ubcf4\ub2e4\ub294 \uc7a5\uae30\uc801\uc778 \uc790\uc0b0 \uc99d\uc2dd\uc744 \ubaa9\uc801\uc73c\ub85c \ud55c \uc0c1\ud488\uc744 \uc6b0\uc120\uc801\uc73c\ub85c \uace0\ub824\ud558\ub294 \uac83\uc774 \ubc14\ub78c\uc9c1\ud569\ub2c8\ub2e4. \uc2e4\uc81c\ub85c \uc7ac\ubb34 \uc804\ubb38\uac00\ub4e4\uc740 \ub9e4\ub2ec \uc77c\uc815 \uae08\uc561\uc744 \uc801\ub9bd\ud558\uc5ec \ubaa9\ud45c \uae08\uc561\uc744 \ub2ec\uc131\ud558\ub294 \u2018\uafb8\uc900\ud55c \uc801\ub9bd\uc2dd \ud22c\uc790\u2019 \ubc29\uc2dd\uc744 \ucd94\ucc9c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc77c\uacf1 \ubc88\uc9f8\ub294 \u2018\uc0c1\ud488 \uac04 \ube44\uad50 \ubd84\uc11d\u2019\uc785\ub2c8\ub2e4. \ud2b9\ud788 \uae08\uc735\uc0c1\ud488\uc740 \ube44\uc2b7\ud55c \uc870\uac74\uc744 \uac00\uc9c0\uace0 \uc788\uc5b4\ub3c4 \ub9ac\uc2a4\ud06c \uad00\ub9ac, \uc218\uc775\ub960, \uc720\ub3d9\uc131 \ub4f1\uc5d0\uc11c \ud070 \ucc28\uc774\uac00 \ub0a0 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ub450 \uac1c\uc758 \uc801\uae08 \uc0c1\ud488\uc744 \ube44\uad50\ud560 \ub54c \ub2e8\uc21c \uc774\uc790\uc728\ubfd0\ub9cc \uc544\ub2c8\ub77c \uc911\ub3c4 \ud574\uc9c0 \uc2dc \ubd88\uc774\uc775, \uc6b0\ub300 \uc870\uac74, \uac00\uc785 \uc870\uac74 \ub4f1\uc774 \ubaa8\uc5ec \uc2e4\uc81c \ud6a8\uacfc\ub97c \uc88c\uc6b0\ud558\uae30 \ub54c\ubb38\uc5d0 \uc885\ud569\uc801\uc778 \ubd84\uc11d\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc774\ub97c \uc704\ud574 \uac01 \uc0c1\ud488\uc758 \ud2b9\uc9d5\uc744 \uc815\ub9ac\ud55c \ud45c\ub098 \ub9ac\uc2a4\ud2b8\ub97c \ub9cc\ub4e4\uc5b4 \ube44\uad50\ud558\uba74 \ubcf4\ub2e4 \uba85\ud655\ud55c \ud310\ub2e8\uc744 \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc5ec\ub35f \ubc88\uc9f8\ub85c \uae08\uc735\uc0c1\ud488 \uc774\ud574\uc5d0 \uc788\uc5b4\uc120 \u2018\uc804\ubb38\uac00 \uc0c1\ub2f4\u2019\uc758 \uc911\uc694\uc131\uc744 \ub4e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uae08\uc735 \uc5c5\uacc4\uc5d0\ub294 \uc218\ub9ce\uc740 \uae08\uc735\uc0c1\ud488\uc774 \uc874\uc7ac\ud558\ub294 \ub9cc\ud07c \uc2a4\uc2a4\ub85c \ubaa8\ub4e0 \uc815\ubcf4\ub97c \ud30c\uc545\ud558\uae30\ub294 \uc5b4\ub835\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uae08\uc735 \uc0c1\ub2f4\uc744 \ud1b5\ud574 \uc804\ubb38\uac00\uc758 \uc758\uacac\uc744 \ub4e3\uace0, \uc790\uc2e0\uc758 \uc7ac\ubb34 \uc0c1\ud669\uacfc \ubaa9\ud45c\uc5d0 \ub9de\ub294 \uc0c1\ud488\uc744 \ucd94\ucc9c\ubc1b\ub294 \uac83\uc774 \ud2b9\ud788 \uc0ac\ud68c\ucd08\ub144\uc0dd\uc5d0\uac8c \ud070 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ucd5c\uadfc\uc5d0\ub294 \uc628\ub77c\uc778 \uae08\uc735 \uc0c1\ub2f4 \uc11c\ube44\uc2a4\uac00 \ud65c\uc131\ud654\ub418\uc5b4 \uc788\uc5b4 \uc811\uadfc\uc131\uc774 \ud06c\uac8c \ud5a5\uc0c1\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc544\ud649 \ubc88\uc9f8\ub85c, \uae08\uc735\uc815\ubcf4\uc758 \ube60\ub978 \ubcc0\ud654\uc5d0 \ub300\uc751\ud558\uae30 \uc704\ud574 \ud3c9\uc18c \uafb8\uc900\ud55c \ud559\uc2b5\uacfc \uc5c5\ub370\uc774\ud2b8\uac00 \ud544\uc694\ud569\ub2c8\ub2e4. \uae08\uc735 \uad00\ub828 \uc11c\uc801, \uc628\ub77c\uc778 \uac15\uc88c, \uc138\ubbf8\ub098 \ub4f1\uc744 \ud1b5\ud574 \uc9c0\uc18d\uc801\uc73c\ub85c \uc0c8\ub85c\uc6b4 \uc815\ubcf4\ub97c \uc2b5\ub4dd\ud558\uace0, \uc774\ub97c \ubc14\ud0d5\uc73c\ub85c \uae08\uc735\uc0c1\ud488\uc5d0 \ub300\ud55c \uc774\ud574\ub97c \uc2ec\ud654\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ucd5c\uc2e0 \ub3d9\ud5a5\uacfc \uc0ac\ub840\ub97c \ubd84\uc11d\ud558\uba74 \uc2dc\uc7a5\uc758 \ubcc0\ud654\uc5d0 \uc720\uc5f0\ud558\uac8c \ub300\uc751\ud560 \uc218 \uc788\ub294 \ub2a5\ub825\uc744 \uae30\ub97c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c \uc5f4 \ubc88\uc9f8\ub85c, \uae08\uc735 \uc9c0\uc2dd\uc758 \uc2e4\uc9c8\uc801 \uc801\uc6a9 \uc0ac\ub840\ub97c \uc0b4\ud3b4\ubcf4\ub294 \uac83\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc2e4\uc81c\ub85c \ub9ce\uc740 \uc0ac\ud68c\ucd08\ub144\uc0dd\ub4e4\uc774 \ucd08\uae30\uc5d0\ub294 \ub2e8\uc21c \uc608\uae08 \uc0c1\ud488\uc5d0 \uba38\ubb34\ub974\ub2e4\uac00 \uc810\ucc28 \uae08\uc735 \uc9c0\uc2dd\uc774 \uc313\uc774\uba74\uc11c \uace0\uc704\ud5d8 \uace0\uc218\uc775 \ud22c\uc790 \uc0c1\ud488\uc73c\ub85c \ub208\uc744 \ub3cc\ub9b0 \uc0ac\ub840\ub4e4\uc744 \ud1b5\ud574, \uae30\ucd08 \uc9c0\uc2dd\uc758 \uc911\uc694\uc131\uacfc \uc810\uc9c4\uc801\uc778 \ud559\uc2b5\uc758 \ud6a8\uacfc\ub97c \ud655\uc778\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc0ac\ub840 \uc5f0\uad6c\ub294 \ub3c5\uc790\ub4e4\uc774 \uae08\uc735\uc0c1\ud488\uc5d0 \ub300\ud55c \uc62c\ubc14\ub978 \ud310\ub2e8\uc744 \ub0b4\ub9ac\ub294 \ub370 \ud070 \ub3c4\uc6c0\uc774 \ub418\uba70, \uc55e\uc73c\ub85c\uc758 \uc7ac\ubb34 \uacc4\ud68d\uc5d0 \uc788\uc5b4\uc11c\ub3c4 \ud070 \uc601\uac10\uc744 \uc904 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc774\ucc98\ub7fc \uae30\ucd08 \uae08\uc735 \uc9c0\uc2dd\uc740 \ub2e8\uc21c\ud55c \uc774\ub860\uc744 \ub118\uc5b4, \uc2e4\uc81c \uc0dd\ud65c\uacfc \uc7ac\ubb34 \uad00\ub9ac\uc5d0 \ud544\uc218\uc801\uc778 \uc694\uc18c\uc785\ub2c8\ub2e4. \uc55e\uc73c\ub85c\uc758 \uc139\uc158\uc5d0\uc11c\ub294 \uae30\ucd08 \uae08\uc735 \uc9c0\uc2dd\uc744 \ud1a0\ub300\ub85c \uc0ac\ud68c\ucd08\ub144\uc0dd\ub4e4\uc5d0\uac8c \uc801\ud569\ud55c \uad6c\uccb4\uc801\uc778 \uae08\uc735\uc0c1\ud488\ub4e4\uc744 \uc18c\uac1c\ud558\uace0, \uac01 \uc0c1\ud488\uc758 \ud2b9\uc9d5\uacfc \uc7a5\uc810, \uadf8\ub9ac\uace0 \uc2e4\uc0dd\ud65c\uc5d0\uc11c\uc758 \ud65c\uc6a9 \ubc29\ubc95\uc5d0 \ub300\ud574 \ub354 \uae4a\uc774 \uc788\uac8c \ub2e4\ub8e8\uaca0\uc2b5\ub2c8\ub2e4. \ub3c5\uc790\ub4e4\uc740 \uc774\ub97c \ud1b5\ud574 \uc790\uc2e0\uc758 \uc7ac\ubb34 \uc0c1\ud669\uacfc \uc7a5\uae30\uc801\uc778 \ubaa9\ud45c\uc5d0 \ub9de\ub294 \uc0c1\ud488\uc744 \uc120\ud0dd\ud558\ub294 \ub370 \ud655\uc2e0\uc744 \uac00\uc9c8 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<h2 id=\"%ec%84%b9%ec%85%98-2-%ec%82%ac%ed%9a%8c%ec%b4%88%eb%85%84%ec%83%9d%ec%97%90-%eb%a7%9e%eb%8a%94-%ec%a0%80%ec%b6%95-%eb%b0%8f-%ed%88%ac%ec%9e%90-%ec%83%81%ed%92%88-UyOJXhsayS\">\uc139\uc158 2. \uc0ac\ud68c\ucd08\ub144\uc0dd\uc5d0 \ub9de\ub294 \uc800\ucd95 \ubc0f \ud22c\uc790 \uc0c1\ud488<\/h2>\n<p>\uc0ac\ud68c\ucd08\ub144\uc0dd\ub4e4\uc774 \uc7ac\uc815\uc801 \uc548\uc815\uc744 \ucd94\uad6c\ud558\uae30 \uc704\ud574 \uac00\uc7a5 \uba3c\uc800 \uace0\ub824\ud574\uc57c \ud560 \uae08\uc735 \uc0c1\ud488\uc740 \uc548\uc815\uc801\uc778 \uc800\ucd95\uacfc \ud22c\uc790 \uc0c1\ud488\uc785\ub2c8\ub2e4. \uc774 \uc139\uc158\uc5d0\uc11c\ub294 \uae30\ubcf8 \uc608\uae08 \ubc0f \uc801\uae08 \uc0c1\ud488\ubd80\ud130 \uc2dc\uc791\ud574 \uc8fc\uc2dd, \ucc44\uad8c, ETF \ub4f1 \ub2e4\uc591\ud55c \ud22c\uc790 \uc635\uc158\uc744 \ud3ec\ud568\ud55c \uae08\uc735\uc0c1\ud488\ub4e4\uc744 \ub2e4\uac01\ub3c4\ub85c \ubd84\uc11d\ud569\ub2c8\ub2e4. \ucd5c\uadfc \uc870\uc0ac\uc5d0 \ub530\ub974\uba74, \uc0ac\ud68c\ucd08\ub144\uc0dd\uc758 \uc57d 45%\uac00 \uc0dd\ud65c\ube44 \ub9c8\ub828\uacfc \ubbf8\ub798\uc758 \uc790\uc0b0 \ud615\uc131\uc744 \ub3d9\uc2dc\uc5d0 \uace0\ubbfc\ud558\uba70 \uae08\uc735 \uc0c1\ud488 \uc120\ud0dd\uc5d0 \uc2e0\uc911\uc744 \uae30\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uccab \ubc88\uc9f8\ub85c, \uc548\uc804\ud55c \uc790\uc0b0 \ud615\uc131\uc744 \uc704\ud55c \uc608\uae08\uacfc \uc801\uae08 \uc0c1\ud488\uc5d0 \ub300\ud574 \uc0b4\ud3b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \uc608\uae08\uacfc \uc801\uae08\uc740 \uc0c1\ub300\uc801\uc73c\ub85c \ub0ae\uc740 \uc704\ud5d8\uc131\uc744 \uac00\uc9c0\uace0 \uc788\uc73c\uba70, \uc77c\uc815 \uae30\uac04 \ub3d9\uc548 \uc548\uc815\uc801\uc778 \uc774\uc790 \uc218\uc775\uc744 \uae30\ub300\ud560 \uc218 \uc788\ub294 \uc0c1\ud488\uc785\ub2c8\ub2e4. \ud2b9\ud788 \uc608\uae08\uc758 \uacbd\uc6b0 \uc815\ubd80\uac00 \uc608\uae08\uc790 \ubcf4\ud638 \uc81c\ub3c4\ub97c \uc6b4\uc601\ud558\uace0 \uc788\uc5b4, \ub9cc\uc57d\uc758 \uc0ac\ud0dc\uc5d0\ub3c4 \uc6d0\uae08 \ubcf4\ud638\ub97c \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\uae08 \uc0c1\ud488 \uac00\uc785 \uc2dc \uace0\ub824\ud574\uc57c \ud560 \uc8fc\uc694 \uc694\uc18c\ub85c\ub294 \uae08\ub9ac, \uc608\uce58 \uae30\uac04, \uc911\ub3c4\ud574\uc9c0 \uc870\uac74 \ub4f1\uc774 \uc788\uc73c\uba70, \uc774\ub97c \uaf3c\uaf3c\ud788 \ube44\uad50\ud558\uc5ec \uacb0\uc815\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub450 \ubc88\uc9f8\ub85c \uc800\ucd95\uacfc \ub3d9\uc2dc\uc5d0 \ud22c\uc790 \uac10\uac01\uc744 \uae30\ub974\uae30 \uc704\ud55c \uc801\ub9bd\uc2dd \ud22c\uc790 \ubc29\uc2dd\uc774 \uc8fc\ubaa9\ubc1b\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc801\ub9bd\uc2dd \ud22c\uc790\ub294 \uc77c\uc815 \uae08\uc561\uc744 \uc815\uae30\uc801\uc73c\ub85c \ud22c\uc790\ud558\uc5ec \uc2dc\uc7a5 \ubcc0\ub3d9\uc5d0 \ub530\ub978 \ub9ac\uc2a4\ud06c\ub97c \ubd84\uc0b0\uc2dc\ud0a4\ub294 \uc804\ub7b5\uc785\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ub9e4\ub2ec \uc77c\uc815 \uae08\uc561\uc744 \ud22c\uc790\ud558\uc5ec \uc8fc\uc2dd\uc774\ub098 ETF, \ud380\ub4dc\uc5d0 \ubd84\uc0b0 \ud22c\uc790\ud558\uba74 \ub2e8\uae30\uc801\uc778 \uc2dc\uc7a5 \ubcc0\ub3d9\uc5d0 \ud06c\uac8c \ud718\ub458\ub9ac\uc9c0 \uc54a\uc73c\uba74\uc11c \uc7a5\uae30\uc801\uc73c\ub85c \uc548\uc815\uc801\uc778 \uc218\uc775\uc744 \uae30\ub300\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c\ub85c \uc5ec\ub7ec \uae08\uc735 \uc804\ubb38\uac00\ub4e4\uc740 \uc801\ub9bd\uc2dd \ud22c\uc790\ub97c \ud1b5\ud574 \ubcf5\ub9ac \ud6a8\uacfc\ub97c \uadf9\ub300\ud654\ud560 \uc218 \uc788\ub2e4\uace0 \uc870\uc5b8\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc138 \ubc88\uc9f8\ub85c\ub294 \uc8fc\uc2dd \ud22c\uc790\uc640 \uad00\ub828\ub41c \uc635\uc158\ub4e4\uc744 \uc0b4\ud3b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \uc8fc\uc2dd \ud22c\uc790\ub294 \ub192\uc740 \uc218\uc775\ub960\uc744 \uae30\ub300\ud560 \uc218 \uc788\uc9c0\ub9cc, \ub3d9\uc2dc\uc5d0 \ub192\uc740 \ubcc0\ub3d9\uc131\uc744 \ub3d9\ubc18\ud558\ub294 \uc704\ud5d8\uc131\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc0ac\ud68c\ucd08\ub144\uc0dd\ub4e4\uc5d0\uac8c\ub294 \uc9c1\uc811\uc801\uc778 \uac1c\ubcc4 \uc8fc\uc2dd \ud22c\uc790\ubcf4\ub2e4\ub294 ETF\ub098 \uc778\ub371\uc2a4 \ud380\ub4dc\uc640 \uac19\uc740 \uac04\uc811\uc801\uc778 \ud22c\uc790 \ubc29\uc2dd\uc744 \ucd94\ucc9c\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc0c1\ud488\ub4e4\uc740 \uac1c\ubcc4 \uc885\ubaa9\uc5d0 \ub300\ud55c \ub9ac\uc2a4\ud06c\ub97c \ud06c\uac8c \ub0ae\ucd94\uba74\uc11c\ub3c4, \uc2dc\uc7a5 \uc804\uccb4\uc758 \ud750\ub984\uc744 \ubc18\uc601\ud560 \uc218 \uc788\ub294 \uc7a5\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c \uc0ac\ub840\ub85c, \ubbf8\uad6d S&amp;P 500 ETF\uc5d0 \uafb8\uc900\ud788 \ud22c\uc790\ud55c \ud22c\uc790\uc790\ub4e4\uc774 \uc7a5\uae30\uc801\uc73c\ub85c \uc5f0\ud3c9\uade0 7~8%\uc758 \uc218\uc775\ub960\uc744 \uae30\ub85d\ud55c \uc0ac\ub840\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub124 \ubc88\uc9f8\ub85c, \uc0ac\ud68c\ucd08\ub144\uc0dd\ub4e4\uc774 \uc8fc\ubaa9\ud574\uc57c \ud560 \ub610 \ub2e4\ub978 \ud22c\uc790 \uc218\ub2e8\uc740 \ucc44\uad8c \ud22c\uc790\uc785\ub2c8\ub2e4. \ucc44\uad8c \ud22c\uc790\ub294 \uc8fc\uc2dd\uc5d0 \ube44\ud574 \ub0ae\uc740 \uc218\uc775\ub960\uc744 \ubcf4\uc774\ub294 \ub300\uc2e0, \uc548\uc815\uc801\uc778 \uc774\uc790 \uc218\uc775\uc744 \uc81c\uacf5\ud558\uba70 \uc0c1\ub300\uc801\uc73c\ub85c \ub9ac\uc2a4\ud06c\uac00 \ub0ae\uc740 \ud2b9\uc9d5\uc744 \uc9c0\ub2c8\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ucc44\uad8c \ud22c\uc790\ub294 \uad6d\ucc44, \uc9c0\ubc29\ucc44, \ud68c\uc0ac\ucc44 \ub4f1 \ub2e4\uc591\ud55c \uc635\uc158\uc774 \uc788\uc73c\uba70, \uac01 \ucc44\uad8c\uc758 \uc2e0\uc6a9 \ub4f1\uae09\uacfc \ub9cc\uae30, \uae08\ub9ac \ub4f1\uc744 \ube44\uad50 \ubd84\uc11d\ud558\ub294 \uac83\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \ud2b9\ud788 \ucd5c\uadfc\uc758 \uc800\uae08\ub9ac \ud658\uacbd\uc5d0\uc11c\ub294 \ucc44\uad8c \uac04\uc758 \uacbd\uc7c1\uc774 \uce58\uc5f4\ud574\uc9c0\uba74\uc11c, \ud22c\uc790\uc790\ub4e4\uc774 \ubcf4\ub2e4 \uc138\ubc00\ud558\uac8c \uc0c1\ud488\uc744 \uc120\ud0dd\ud558\ub294 \ucd94\uc138\uac00 \uad00\uce21\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub2e4\uc12f \ubc88\uc9f8 \uc694\uc18c\ub85c\ub294, \ucd5c\uadfc \uae30\uc220 \ubc1c\uc804\uacfc \ud568\uaed8 \ub4f1\uc7a5\ud55c \ub85c\ubcf4\uc5b4\ub4dc\ubc14\uc774\uc800 \uc11c\ube44\uc2a4\ub97c \ub4e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub85c\ubcf4\uc5b4\ub4dc\ubc14\uc774\uc800\ub294 \uc778\uacf5\uc9c0\ub2a5 \uc54c\uace0\ub9ac\uc998\uc744 \uae30\ubc18\uc73c\ub85c \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\uc131\ud574 \uc8fc\uba70, \uac1c\uc778 \ud22c\uc790\uc790\uac00 \uc790\uc2e0\uc758 \uc7ac\ubb34 \uc0c1\ud669\uc5d0 \ub9de\ub294 \ucd5c\uc801\uc758 \ud22c\uc790 \uc804\ub7b5\uc744 \uc190\uc27d\uac8c \uc138\uc6b8 \uc218 \uc788\ub3c4\ub85d \ub3c4\uc640\uc90d\ub2c8\ub2e4. \ud2b9\ud788 \ubc14\uc05c \uc0ac\ud68c\ucd08\ub144\uc0dd\ub4e4\uc740 \uc804\ubb38\uc801\uc778 \uc7ac\ubb34 \uc0c1\ub2f4\uc744 \ubc1b\uae30 \uc5b4\ub824\uc6b4 \uacbd\uc6b0\uac00 \ub9ce\uc740\ub370, \ub85c\ubcf4\uc5b4\ub4dc\ubc14\uc774\uc800\ub294 \uc774\ub7ec\ud55c \ubb38\uc81c\ub97c \ud574\uacb0\ud558\ub294 \uc720\uc6a9\ud55c \ub3c4\uad6c\ub85c \uc790\ub9ac \uc7a1\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc5ec\uc12f \ubc88\uc9f8\ub85c, \uae08\uc735 \uc0c1\ud488 \uc120\ud0dd \uc2dc \ubc18\ub4dc\uc2dc \uace0\ub824\ud574\uc57c \ud560 \uc0ac\ud56d\uc740 \ubc14\ub85c \u2018\uae30\uac04\u2019\uc785\ub2c8\ub2e4. \ub2e8\uae30 \uc18c\ube44\uc790\uae08 \ub9c8\ub828\uacfc \uc7a5\uae30 \uc790\uc0b0 \ud615\uc131\uc740 \ubaa9\ud45c\uc640 \uc2dc\uac04 \ud504\ub808\uc784\uc774 \ud06c\uac8c \ub2e4\ub985\ub2c8\ub2e4. \ub2e8\uae30\uc801\uc778 \uc790\uae08 \ud655\ubcf4\uac00 \ud544\uc694\ud55c \uacbd\uc6b0\uc5d0\ub294 \uc608\uae08\uc774\ub098 \ub2e8\uae30 \uc801\uae08, \uadf8\ub9ac\uace0 \ub2e8\uae30 \ucc44\uad8c \uc0c1\ud488 \ub4f1\uc774 \uc801\ud569\ud558\uc9c0\ub9cc, \uc7a5\uae30\uc801\uc778 \uc790\ubcf8 \uc99d\uc2dd\uc744 \uae30\ub300\ud558\ub294 \uc0ac\ud68c\ucd08\ub144\uc0dd\uc740 \uc5f0\uae08\uc800\ucd95, \uc801\ub9bd\uc2dd \ud380\ub4dc, ETF \ub4f1 \uc7a5\uae30\uac04 \ud22c\uc790 \uac00\ub2a5\ud55c \uc0c1\ud488\uc5d0 \ub208\uc744 \ub3cc\ub824\uc57c \ud569\ub2c8\ub2e4. \uc774\ub294 \uc7a5\uae30\uac04 \ubcf5\ub9ac \ud6a8\uacfc\ub97c \ub204\ub9b4 \uc218 \uc788\ub294 \uc8fc\uc694 \uc694\uc18c\ub85c \uc791\uc6a9\ud558\uba70 \uc7ac\ubb34 \ubaa9\ud45c \ub2ec\uc131\uc758 \ud575\uc2ec \uc5f4\uc1e0\uac00 \ub429\ub2c8\ub2e4.<\/p>\n<p>\uc77c\uacf1 \ubc88\uc9f8\ub85c, \ucd5c\uadfc \uae08\uc735 \uc2dc\uc7a5\uc5d0\uc11c\ub294 ESG(\ud658\uacbd, \uc0ac\ud68c, \uc9c0\ubc30\uad6c\uc870) \ud22c\uc790\uc5d0 \ub300\ud55c \uad00\uc2ec\uc774 \ub192\uc544\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc0ac\ud68c\ucd08\ub144\uc0dd\ub4e4\ub3c4 \uc9c0\uc18d \uac00\ub2a5\ud55c \ud22c\uc790\uc5d0 \ucc38\uc5ec\ud558\uc5ec \uc0ac\ud68c\uc801 \ucc45\uc784\uc744 \uc774\ud589\ud558\uba74\uc11c \ub3d9\uc2dc\uc5d0 \uc548\uc815\uc801\uc778 \uc218\uc775\uc744 \uae30\ub300\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, ESG \uc9c0\ud45c\ub97c \uae30\uc900\uc73c\ub85c \uc120\ubcc4\ub41c \ud380\ub4dc\ub098 ETF\ub294 \ud658\uacbd \ubcf4\ud638 \ubc0f \uc0ac\ud68c\uc801 \uae30\uc5ec\ub97c \ud558\uba74\uc11c\ub3c4 \uc7a5\uae30\uc801\uc778 \ud22c\uc790 \uac00\uce58\uac00 \ub192\uc544\uc9c0\ub294 \uacbd\ud5a5\uc744 \ubcf4\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud2b8\ub80c\ub4dc\ub294 \uae00\ub85c\ubc8c \uae08\uc735\uc2dc\uc7a5\uc5d0\uc11c \ube60\ub974\uac8c \ud655\uc0b0\ub418\uace0 \uc788\uc73c\uba70, \ud5a5\ud6c4 \ud22c\uc790 \uc0c1\ud488 \uc120\ud0dd \uc2dc \uc911\uc694\ud55c \uae30\uc900 \uc911 \ud558\ub098\ub85c \uc790\ub9ac \uc7a1\uc744 \uc804\ub9dd\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc5ec\ub35f \ubc88\uc9f8\ub85c, \uae08\uc735 \uc0c1\ud488\uc758 \ub2e4\uc591\uc131\uacfc \ubcf5\uc7a1\uc131\uc73c\ub85c \uc778\ud574 \uc815\ubcf4\uc758 \ud64d\uc218 \uc18d\uc5d0\uc11c \uc790\uc2e0\uc5d0\uac8c \ub9de\ub294 \uc0c1\ud488\uc744 \uc120\ud0dd\ud558\uae30\ub780 \uc27d\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc774\uc5d0 \ub530\ub77c \uae08\uc735 \uad00\ub828 \ucee4\ubba4\ub2c8\ud2f0, \ud3ec\ub7fc, \uadf8\ub9ac\uace0 \uae08\uc735 \uc804\ubb38\uac00\ub4e4\uc758 \uac15\uc758 \ub4f1\uc744 \ud1b5\ud574 \uc9c0\uc18d\uc801\uc73c\ub85c \uc815\ubcf4\ub97c \uc5c5\ub370\uc774\ud2b8\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ub2e4\uc591\ud55c \uc0ac\ub840 \uc5f0\uad6c\uc640 \uc131\uacf5\/\uc2e4\ud328 \uc0ac\ub840\ub97c \ud1b5\ud574 \uae08\uc735\uc0c1\ud488\uc758 \uc2e4\uc81c \ud6a8\uacfc \ubc0f \ub9ac\uc2a4\ud06c\ub97c \uad6c\uccb4\uc801\uc73c\ub85c \uc774\ud574\ud558\ub294 \uac83\uc774 \ud604\uba85\ud55c \uc120\ud0dd\uc744 \uc704\ud55c \ubc11\uac70\ub984\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<p>\uc544\ud649 \ubc88\uc9f8\ub85c, \uc2e4\uc81c \uae08\uc735 \uc0c1\ud488 \uac00\uc785\uc790\uac00 \uacaa\uc740 \uc0ac\ub840 \uc5f0\uad6c\ub97c \uc0b4\ud3b4\ubcf4\uba74, \ucd08\uae30\uc5d0 \uc800\ucd95\uc744 \ud1b5\ud55c \uc790\uc0b0 \ud615\uc131\uc73c\ub85c \uc548\uc815\uc131\uc744 \ud655\ubcf4\ud55c \ud6c4 \uc810\ucc28 \ud22c\uc790\ub85c \uc601\uc5ed\uc744 \ub113\ud600 \uac04 \uc0ac\ub840\uac00 \ub2e4\uc218 \uc874\uc7ac\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ud55c \uc0ac\ud68c\ucd08\ub144\uc0dd\uc740 \ucd08\uae30\uc5d0\ub294 \ub9e4\ub2ec \uc18c\uc561\uc758 \uc801\uae08\uc744 \ud1b5\ud574 \ube44\uc0c1\uae08 \ub9c8\ub828\uacfc \uae30\ucd08 \uc790\uc0b0 \ud615\uc131\uc744 \uc2dc\uc791\ud558\uc600\uace0, \uc774\ud6c4 \uae08\uc735 \uad50\uc721\uc744 \ud1b5\ud574 ETF\uc640 \uc778\ub371\uc2a4 \ud380\ub4dc\uc5d0\ub3c4 \ubd84\uc0b0 \ud22c\uc790\ud568\uc73c\ub85c\uc368 \uc218\uc775\ub960\uc744 \uac1c\uc120\ud55c \ud6c4, \uacb0\uad6d \uacb0\ud63c\uacfc \uc8fc\ud0dd \uad6c\ub9e4 \ub4f1 \ud070 \uc7ac\ubb34 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud558\ub294 \ub370 \uc131\uacf5\ud558\uc600\uc2b5\ub2c8\ub2e4. \uc774\uc640 \uac19\uc774 \ub2e8\uacc4\ubcc4 \uc811\uadfc\ubc95\uc740 \ub9ac\uc2a4\ud06c\ub97c \ucd5c\uc18c\ud654\ud558\uba74\uc11c\ub3c4 \uc810\ucc28\uc801\uc73c\ub85c \uc790\uc0b0\uc744 \uc99d\uc2dd\ud558\ub294 \ud6a8\uacfc\uc801\uc778 \uc804\ub7b5\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc5f4 \ubc88\uc9f8\ub85c, \uc0ac\ud68c\ucd08\ub144\uc0dd\ub4e4\uc774 \uae08\uc735 \uc0c1\ud488\uc5d0 \uc811\uadfc\ud560 \ub54c\ub294 \ubc18\ub4dc\uc2dc \uc790\uc2e0\uc758 \uc7ac\ubb34 \ubaa9\ud45c\uc640 \uc704\ud5d8 \uc120\ud638\ub3c4\ub97c \uba85\ud655\ud788 \ud30c\uc545\ud55c \ud6c4 \uc0c1\ud488\uc744 \uc120\ud0dd\ud574\uc57c \ud569\ub2c8\ub2e4. \uae08\uc735 \uc0c1\ud488 \uc120\ud0dd\uc740 \ub2e8\uc21c\ud788 \ud604\uc7ac\uc758 \uc774\uc775\ub9cc\uc744 \ucd94\uad6c\ud558\ub294 \uac83\uc774 \uc544\ub2c8\ub77c, \ubbf8\ub798\uc758 \ubcc0\ub3d9\uc131\uacfc \ubd88\ud655\uc2e4\uc131\uc5d0\ub3c4 \ub300\ube44\ud574\uc57c \ud558\ub294 \uc7a5\uae30\uc801\uc778 \uacb0\uc815\uc785\ub2c8\ub2e4. \uac01 \uae08\uc735 \uc0c1\ud488\uc758 \ud2b9\uc131\uacfc \uc2dc\uc7a5 \ub3d9\ud5a5, \uc804\ubb38\uac00\uc758 \uc870\uc5b8 \ub4f1\uc744 \uc885\ud569\uc801\uc73c\ub85c \uace0\ub824\ud558\uba74 \uc790\uc2e0\uc5d0\uac8c \ub9de\ub294 \ucd5c\uc801\uc758 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131\uc5d0 \ud55c\uce35 \ub354 \uac00\uae4c\uc6cc\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub97c \uc704\ud574 \uae08\uc735 \uc804\ubb38\uac00\uc640\uc758 \uc0c1\ub2f4, \uc628\ub77c\uc778 \uae08\uc735 \ud50c\ub7ab\ud3fc\uc758 \ube44\uad50 \ubd84\uc11d, \uadf8\ub9ac\uace0 \ub2e4\uc591\ud55c \uae08\uc735 \uad00\ub828 \uc11c\uc801\uacfc \uc790\ub8cc\ub4e4\uc744 \ucc38\uace0\ud558\ub294 \uac83\uc774 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<p>\uc774\uc640 \uac19\uc774 \uc800\ucd95 \ubc0f \ud22c\uc790 \uc0c1\ud488 \uc120\ud0dd\uc740 \uc0ac\ud68c\ucd08\ub144\uc0dd\ub4e4\uc774 \uc7ac\ubb34 \uc548\uc815\uacfc \ubbf8\ub798\uc758 \uc790\uc0b0 \ud615\uc131\uc744 \uc704\ud55c \uccab\uac78\uc74c\uc785\ub2c8\ub2e4. \ub2e4\uc591\ud55c \uc0c1\ud488\uc744 \ube44\uad50 \ubd84\uc11d\ud558\uace0, \ucd5c\uc2e0 \uc2dc\uc7a5 \ub3d9\ud5a5\uacfc \uae0d\uc815\uc801\uc778 \uc0ac\ub840\ub97c \ucc38\uace0\ud558\uba74 \ubcf4\ub2e4 \ud604\uba85\ud55c \uacb0\uc815\uc744 \ub0b4\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc55e\uc73c\ub85c \uc774\uc5b4\uc9c8 \uc139\uc158\uc5d0\uc11c\ub294 \ubcf4\ud5d8 \uc0c1\ud488\uacfc \ub300\ucd9c \ubc0f \uc2e0\uc6a9 \uad00\ub9ac\uc5d0 \ub300\ud574 \uc2ec\ub3c4 \uc788\uac8c \ub2e4\ub8e8\uc5b4, \uc0ac\ud68c\ucd08\ub144\uc0dd\ub4e4\uc774 \uae08\uc735 \uc0dd\ud65c\uc758 \uc804\ubc18\uc801\uc778 \uc804\ub7b5\uc744 \uccb4\uacc4\uc801\uc73c\ub85c \uc218\ub9bd\ud560 \uc218 \uc788\ub3c4\ub85d \ub3d5\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<h2 id=\"%ec%84%b9%ec%85%98-3-%eb%b3%b4%ed%97%98-%ec%83%81%ed%92%88%ec%9d%98-%ed%95%84%ec%9a%94%ec%84%b1%ea%b3%bc-%ec%84%a0%ed%83%9d-%eb%b0%a9%eb%b2%95-UyOJXhsayS\">\uc139\uc158 3. \ubcf4\ud5d8 \uc0c1\ud488\uc758 \ud544\uc694\uc131\uacfc \uc120\ud0dd \ubc29\ubc95<\/h2>\n<p>\uc0ac\ud68c\ucd08\ub144\uc0dd\uc758 \uc7ac\ubb34 \uacc4\ud68d\uc5d0\uc11c \uc885\uc885 \uac04\uacfc\ub418\uae30 \uc26c\uc6b4 \ubcf4\ud5d8 \uc0c1\ud488\uc740 \uc608\uc0c1\uce58 \ubabb\ud55c \uc0ac\uace0\ub098 \uc9c8\ubcd1 \ub4f1\uc5d0 \ub300\ube44\ud558\uae30 \uc704\ud55c \ud544\uc218 \uc218\ub2e8\uc785\ub2c8\ub2e4. \uc774 \uc139\uc158\uc5d0\uc11c\ub294 \uac74\uac15\ubcf4\ud5d8, \uc0dd\uba85\ubcf4\ud5d8, \uadf8\ub9ac\uace0 \uae30\ud0c0 \ubcf4\uc7a5\uc131 \ubcf4\ud5d8\uc758 \uc720\ud615\uc744 \uad6c\uccb4\uc801\uc73c\ub85c \uc0b4\ud3b4\ubcf4\uace0, \uac01 \uc0c1\ud488\uc774 \uc81c\uacf5\ud558\ub294 \ubcf4\uc7a5 \ub0b4\uc6a9\uacfc \uac00\uc785 \uc2dc \uc720\uc758\ud574\uc57c \ud560 \uc810 \ub4f1\uc744 \uc0c1\uc138\ud558\uac8c \ubd84\uc11d\ud569\ub2c8\ub2e4. \ucd5c\uadfc \ud1b5\uacc4\uc5d0 \ub530\ub974\uba74, \ub9cc 20\ub300\uc5d0\uc11c 30\ub300 \ucd08\ubc18\uc758 \uc0ac\ud68c\ucd08\ub144\uc0dd \uc911 \uc57d 38%\ub9cc\uc774 \ubcf4\ud5d8 \uc0c1\ud488\uc5d0 \uac00\uc785\ub418\uc5b4 \uc788\ub294 \ubc18\uba74, \ub300\ubd80\ubd84\uc740 \ubcf4\ud5d8\uc758 \ud544\uc694\uc131\uc744 \uc798 \uc778\uc9c0\ud558\uc9c0 \ubabb\ud558\uace0 \uc788\ub294 \uc2e4\uc815\uc785\ub2c8\ub2e4.<\/p>\n<p>\uccab \ubc88\uc9f8\ub85c, \uac74\uac15\ubcf4\ud5d8\uc740 \uae30\ubcf8\uc801\uc778 \uc758\ub8cc\ube44 \uc9c0\ucd9c\uc5d0 \ub300\ube44\ud558\uae30 \uc704\ud55c \uac00\uc7a5 \uc911\uc694\ud55c \ubcf4\ud5d8 \uc0c1\ud488\uc785\ub2c8\ub2e4. \ubcd1\uc6d0\ube44, \uce58\ub8cc\ube44, \uc218\uc220\ube44 \ub4f1 \ub9cc\uc77c\uc758 \uc0c1\ud669\uc5d0 \ub300\ube44\ud558\uace0, \uac01\uc885 \uc9c8\ud658 \ubc1c\uc0dd \uc2dc \uacbd\uc81c\uc801 \ubd80\ub2f4\uc744 \ub35c \uc218 \uc788\ub294 \uac74\uac15\ubcf4\ud5d8\uc740 \ub204\uad6c\uc5d0\uac8c\ub098 \ud544\uc218\uc801\uc778 \ubcf4\uc7a5\uc131 \uc0c1\ud488\uc785\ub2c8\ub2e4. \ucd5c\uadfc \uac74\uac15\ubcf4\ud5d8 \uc2dc\uc7a5\uc5d0\uc11c\ub294 \ub9cc\uc131\uc9c8\ud658\uc774\ub098 \uc911\uc99d \uc9c8\ud658\uc5d0 \ud2b9\ud654\ub41c \uc0c1\ud488\ub4e4\uc774 \ucd9c\uc2dc\ub418\uace0 \uc788\uc73c\uba70, \uc774\ub97c \ud1b5\ud574 \ub354\uc6b1 \uc138\ubc00\ud558\uac8c \ubcf4\uc7a5\uc744 \ubc1b\uc744 \uc218 \uc788\ub294 \uc7a5\uc810\uc774 \ubd80\uac01\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub450 \ubc88\uc9f8\ub85c, \uc0dd\uba85\ubcf4\ud5d8\uc740 \uac00\uc871\uacfc \uac00\uae4c\uc6b4 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \ubbf8\uce58\ub294 \uacbd\uc81c\uc801 \uc601\ud5a5\uc744 \ucd5c\uc18c\ud654\ud558\uae30 \uc704\ud574 \uace0\ub824\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4. \uc0ac\ud68c\ucd08\ub144\uc0dd\uc774\ub77c\ub3c4 \uac00\uc871 \ubd80\uc591 \uc758\ubb34\ub098 \uc7a5\ub798\uc758 \uacb0\ud63c \uc0dd\ud65c\uc744 \ub300\ube44\ud574 \uc77c\uc815 \uae08\uc561\uc758 \uc0dd\uba85\ubcf4\ud5d8\uc740 \uac00\uc785\ud558\ub294 \uac83\uc774 \ubc14\ub78c\uc9c1\ud569\ub2c8\ub2e4. \uc5ec\ub7ec \uc0ac\ub840 \uc5f0\uad6c\uc5d0 \ub530\ub974\uba74, \uc608\uae30\uce58 \ubabb\ud55c \uc0ac\uace0\ub098 \uc9c8\ubcd1\uc73c\ub85c \uc18c\ub4dd\uc774 \uc911\ub2e8\ub418\ub294 \uacbd\uc6b0\uc5d0 \ub300\ube44\ud558\uc5ec \uc0dd\uba85\ubcf4\ud5d8 \uac00\uc785\uc774 \ud070 \uc548\uc815\ub9dd \uc5ed\ud560\uc744 \ud558\uc600\uc73c\uba70, \uc18c\uc561\uc758 \ubcf4\ud5d8\ub8cc\ub85c\ub3c4 \uc7a5\uae30\uc801\uc778 \ubcf4\ud638 \ud6a8\uacfc\ub97c \uae30\ub300\ud560 \uc218 \uc788\uc74c\uc744 \ubcf4\uc5ec\uc8fc\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc138 \ubc88\uc9f8\ub85c, \uc2e4\uc190\uc758\ub8cc\ubcf4\ud5d8\uacfc \uc554 \ubcf4\ud5d8 \ub4f1 \ubcf4\uc7a5 \ubc94\uc704\ub97c \ub113\ud790 \uc218 \uc788\ub294 \ud2b9\uc57d\ud615 \ubcf4\ud5d8 \uc0c1\ud488\ub3c4 \uc911\uc694\ud55c \uc120\ud0dd\uc9c0\uc785\ub2c8\ub2e4. \ud2b9\ud788, \uc2e4\uc190\uc758\ub8cc\ubcf4\ud5d8\uc740 \uc2e4\uc81c \ubcd1\uc6d0\ube44 \ubd80\ub2f4\uc744 \uc904\uc5ec\uc8fc\uba70, \uc554 \ubcf4\ud5d8\uc740 \uc554 \uc9c4\ub2e8 \uc2dc \uce58\ub8cc \ube44\uc6a9 \ubfd0\ub9cc \uc544\ub2c8\ub77c \ubd80\uac00\uc801\uc778 \uc758\ub8cc\ube44 \uc9c0\uc6d0\uae4c\uc9c0 \uc81c\uacf5\ud568\uc73c\ub85c\uc368 \uc0ac\ud68c\ucd08\ub144\uc0dd\ub4e4\uc758 \uacbd\uc81c\uc801 \ubd80\ub2f4\uc744 \uacbd\uac10\uc2dc\ud0a4\ub294 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \ubcf4\ud5d8 \uac00\uc785 \uc804\uc5d0\ub294 \uac01 \ubcf4\ud5d8\uc0ac\uc758 \uc0c1\ud488 \ube44\uad50\uc640 \ubcf4\uc7a5 \ub0b4\uc6a9, \uba74\ucc45 \uc0ac\ud56d \ub4f1\uc744 \uaf3c\uaf3c\ud788 \ud655\uc778\ud558\ub294 \uac83\uc774 \ud544\uc694\ud558\uba70, \uc804\ubb38\uac00\uc640 \uc0c1\ub2f4\ud558\uc5ec \uc790\uc2e0\uc758 \uc704\ud5d8 \uc694\uc778\uc5d0 \ub9de\ub294 \uc0c1\ud488\uc744 \uc120\ud0dd\ud558\ub294 \uac83\uc774 \ubc14\ub78c\uc9c1\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub124 \ubc88\uc9f8\ub85c, \ucd5c\uadfc \ubcf4\ud5d8 \uc5c5\uacc4\uc5d0\uc11c\ub294 \uc628\ub77c\uc778 \uac00\uc785\uacfc \ubaa8\ubc14\uc77c \uc571\uc744 \ud1b5\ud55c \uac04\ud3b8 \uac00\uc785 \uc808\ucc28\uac00 \ub3c4\uc785\ub418\uba74\uc11c \uc811\uadfc\uc131\uc774 \ub300\ud3ed \uac1c\uc120\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc0ac\ud68c\ucd08\ub144\uc0dd\ub4e4\uc740 \ubcf5\uc7a1\ud55c \uc11c\ub958 \uc808\ucc28\uc640 \uc624\ub79c \ub300\uae30 \uc2dc\uac04\uc744 \ud53c\ud560 \uc218 \uc788\ub294 \uc774\ub7ec\ud55c \uc11c\ube44\uc2a4\ub97c \ud65c\uc6a9\ud574 \ube60\ub974\uac8c \ubcf4\ud5d8 \uc0c1\ud488\uc5d0 \uac00\uc785\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788, \uba87\uba87 \ubcf4\ud5d8\uc0ac\ub294 \ub9de\ucda4\ud615 \ucd94\ucc9c \uc11c\ube44\uc2a4\ub97c \ud1b5\ud574 \uac1c\uc778\uc758 \ub77c\uc774\ud504 \uc2a4\ud0c0\uc77c\uacfc \uc7ac\ubb34 \uc0c1\ud669\uc5d0 \ucd5c\uc801\ud654\ub41c \uc0c1\ud488\uc744 \uc81c\uc548\ud558\uae30\ub3c4 \ud558\uc5ec, \uc2dc\uac04\uc774 \ubd80\uc871\ud55c \uccad\ub144\ub4e4\uc5d0\uac8c \ub9e4\uc6b0 \uc720\uc6a9\ud55c \ub3c4\uad6c\uac00 \ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub2e4\uc12f \ubc88\uc9f8\ub85c, \ubcf4\ud5d8 \uc0c1\ud488\uc740 \uc7a5\uae30\uc801\uc778 \uad00\uc810\uc5d0\uc11c \ubcf4\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ub2e8\uae30\uc801\uc73c\ub85c\ub294 \ubcf4\ud5d8\ub8cc \ubd80\ub2f4\uc774 \ub2e4\uc18c \uc788\uc744 \uc218 \uc788\uc73c\ub098, \ub9cc\uc77c\uc758 \uc0ac\uace0\ub098 \uc9c8\ubcd1, \uc608\uc0c1\uce58 \ubabb\ud55c \uc0c1\ud669\uc5d0 \ub300\ud55c \ub300\ube44\ucc45\uc73c\ub85c\uc11c\ub294 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \ud1b5\uacc4 \uc790\ub8cc\uc5d0 \ub530\ub974\uba74, \ubcf4\ud5d8 \uac00\uc785\uc790\uc758 70% \uc774\uc0c1\uc774 \uc2e4\uc81c\ub85c \ubcf4\ud5d8\uae08\uc744 \uccad\uad6c\ud55c \uc0ac\ub840\ub4e4\uc774 \uc788\uc73c\uba70, \uc774\ub97c \ud1b5\ud574 \uacbd\uc81c\uc801 \uc704\uae30 \uc0c1\ud669\uc5d0\uc11c \ud070 \ub3c4\uc6c0\uc744 \ubc1b\uace0 \uc788\uc74c\uc744 \uc54c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc7a5\uae30\uc801\uc778 \uc7ac\ubb34 \uacc4\ud68d\uc744 \uc138\uc6b8 \ub54c, \ubcf4\ud5d8\uc740 \uc548\uc815\ub9dd \uc5ed\ud560\uc744 \uc218\ud589\ud558\ub294 \uc911\uc694\ud55c \uc694\uc18c\uac00 \ub429\ub2c8\ub2e4.<\/p>\n<p>\uc5ec\uc12f \ubc88\uc9f8 \uc694\uc18c\ub294 \ubcf4\ud5d8\uae08 \uc9c0\uae09 \uc870\uac74\uacfc \uc57d\uad00\uc744 \uc815\ud655\ud788 \uc774\ud574\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \ubcf4\ud5d8 \uc0c1\ud488\ub9c8\ub2e4 \ubcf4\uc7a5 \ubc94\uc704, \uc9c0\uae09 \uc870\uac74, \uba74\ucc45 \uc0ac\ud56d \ub4f1\uc774 \uc0c1\uc774\ud558\uae30 \ub54c\ubb38\uc5d0, \uc0ac\uc804\uc5d0 \uaf3c\uaf3c\ud788 \uc77d\uc5b4\ubcf4\uace0 \uc790\uc2e0\uc5d0\uac8c \ud544\uc694\ud55c \ubcf4\uc7a5\uc774 \ubaa8\ub450 \ud3ec\ud568\ub418\uc5b4 \uc788\ub294\uc9c0 \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub97c \uc704\ud574 \uac01 \ubcf4\ud5d8\uc0ac\uc758 \uacf5\uc2dd \uc124\uba85 \uc790\ub8cc\ub098 \uc804\ubb38\uac00\uc758 \ubd84\uc11d\uc744 \ucc38\uace0\ud558\ub294 \uac83\uc774 \uc88b\uc73c\uba70, \ud544\uc694\uc2dc \ubcf4\ud5d8 \uc124\uacc4\uc0ac\ub97c \ud1b5\ud574 \uc0c1\uc138\ud55c \uc0c1\ub2f4\uc744 \ubc1b\ub294 \uac83\ub3c4 \ud604\uba85\ud55c \uc120\ud0dd\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc77c\uacf1 \ubc88\uc9f8\ub85c, \ub2e4\uc591\ud55c \ubcf4\ud5d8 \uc0c1\ud488 \uac04\uc758 \ud2b9\uc9d5\uacfc \uac00\uaca9\ub300\ub97c \ube44\uad50\ud558\ub294 \uc791\uc5c5\uc740 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. \uad6d\ub0b4\uc678 \uc5ec\ub7ec \ubcf4\ud5d8\uc0ac\uc758 \uc0c1\ud488\uc744 \ube44\uad50 \ubd84\uc11d\ud558\ub294 \uc6f9\uc0ac\uc774\ud2b8\ub098 \uc571\uc744 \ud65c\uc6a9\ud558\uc5ec, \uc790\uc2e0\uc5d0\uac8c \uac00\uc7a5 \uc54c\ub9de\uc740 \uc0c1\ud488\uc744 \uc120\uc815\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \ubcf4\ud5d8\ub8cc \ud560\uc778 \ud61c\ud0dd\uc774\ub098 \ubd80\uac00 \uc11c\ube44\uc2a4 \ub4f1\ub3c4 \uace0\ub824 \ub300\uc0c1\uc5d0 \ud3ec\ud568\ub418\uc5b4\uc57c \ud558\uba70, \uc774\ub97c \uc815\ub9ac\ud55c \ube44\uad50\ud45c\ub97c \uc791\uc131\ud574\ubcf4\uba74 \uc2e4\uc81c \uacb0\uc815\uc744 \ub0b4\ub9ac\ub294 \ub370 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<p>\uc5ec\ub35f \ubc88\uc9f8\ub85c, \ubcf4\ud5d8\uc740 \ub2e8\uc21c\ud788 \uac00\uc785\ud558\ub294 \uac83\uc5d0 \uadf8\uce58\uc9c0 \uc54a\uace0 \uc8fc\uae30\uc801\uc778 \ub9ac\ubdf0\uc640 \uad00\ub9ac\uac00 \ud544\uc694\ud569\ub2c8\ub2e4. \uc0dd\ud65c \ud658\uacbd\uc774\ub098 \uacbd\uc81c \uc0c1\ud669, \uac00\uc871 \uad6c\uc131\uc6d0\uc758 \ubcc0\ud654 \ub4f1\uc5d0 \ub530\ub77c \ubcf4\ud5d8 \uac00\uc785 \ub0b4\uc6a9\uc774 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc73c\ubbc0\ub85c, \uc815\uae30\uc801\uc73c\ub85c \ud604\uc7ac \ubcf4\uc7a5\uc774 \uc801\uc808\ud55c\uc9c0 \ud655\uc778\ud558\uace0 \ud544\uc694\uc2dc \ucd94\uac00 \uac00\uc785\uc774\ub098 \ubcc0\uacbd\uc744 \uac80\ud1a0\ud574\uc57c \ud569\ub2c8\ub2e4. \uc2e4\uc9c8\uc801\uc778 \uc0ac\ub840\uc5d0\uc11c\ub294 \uacb0\ud63c, \ucd9c\uc0b0, \uc8fc\ud0dd \ub9c8\ub828 \ub4f1 \uc778\uc0dd\uc758 \uc911\uc694\ud55c \uc0ac\uac74 \ubc1c\uc0dd \uc2dc \ubcf4\ud5d8 \ubcf4\uc7a5 \ubc94\uc704\ub97c \uc870\uc815\ud558\uc5ec \uc7ac\ubb34 \uc548\uc815\uc131\uc744 \ud655\ubcf4\ud55c \uc0ac\ub840\ub4e4\uc774 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc544\ud649 \ubc88\uc9f8\ub85c, \ubcf4\ud5d8 \uc0c1\ud488\uc758 \uc120\ud0dd\uc740 \ub2e8\uc21c\ud788 \u2018\ube44\uc6a9\u2019 \ubb38\uc81c\ub9cc\uc774 \uc544\ub2c8\ub77c \u2018\ubcf4\uc7a5\u2019 \ub0b4\uc6a9\uc774 \ud575\uc2ec\uc774 \ub429\ub2c8\ub2e4. \ucd08\uae30\uc5d0\ub294 \ube44\uc6a9 \ubd80\ub2f4\uc774 \uc6b0\ub824\ub418\uc5b4 \uac00\uc785\uc744 \ubbf8\ub8e8\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc73c\ub098, \uc2e4\uc81c \ud544\uc694\ud560 \ub54c \ud070 \ub3c4\uc6c0\uc774 \ub418\ub294 \ubcf4\ud5d8\uae08 \uc9c0\uae09 \uc0ac\ub840\ub4e4\uc740 \uafb8\uc900\ud788 \uc99d\uac00\ud558\uace0 \uc788\uc74c\uc744 \uac10\uc548\ud574\uc57c \ud569\ub2c8\ub2e4. \ubcf4\ud5d8\ub8cc \ubd80\ub2f4\uacfc \ubcf4\uc7a5 \uc0ac\uc774\uc758 \uade0\ud615\uc744 \ub9de\ucd94\uae30 \uc704\ud574\uc11c\ub294 \uc7a5\uae30\uc801\uc778 \uc548\ubaa9\uc744 \uac00\uc9c0\uace0 \uc811\uadfc\ud558\ub294 \uac83\uc774 \ubc14\ub78c\uc9c1\ud558\uba70, \ub9ce\uc740 \uae08\uc735 \uc804\ubb38\uac00\ub4e4\uc774 \uc0ac\ud68c\ucd08\ub144\uc0dd\ub4e4\uc5d0\uac8c \ubc18\ub4dc\uc2dc \ubcf4\ud5d8 \uac00\uc785\uc744 \uc870\uc5b8\ud558\ub294 \uc774\uc720\uc774\uae30\ub3c4 \ud569\ub2c8\ub2e4.<\/p>\n<p>\uc5f4 \ubc88\uc9f8\ub85c, \uc0ac\ud68c\ucd08\ub144\uc0dd\ub4e4\uc740 \ubcf4\ud5d8 \uc0c1\ud488 \uc120\ud0dd \uc2dc \uc815\ubd80\uac00 \uc81c\uacf5\ud558\ub294 \uacf5\uacf5 \ubcf4\ud5d8 \uc81c\ub3c4\uc640 \ubbfc\uac04 \ubcf4\ud5d8 \uc0c1\ud488\uc744 \ubaa8\ub450 \uace0\ub824\ud558\uc5ec \uc885\ud569\uc801\uc778 \ubcf4\uc7a5\uc744 \ub9c8\ub828\ud574\uc57c \ud569\ub2c8\ub2e4. \uacf5\uacf5 \ubcf4\ud5d8\uc740 \uae30\ubcf8\uc801\uc778 \uc758\ub8cc\uc640 \uc0ac\ud68c \uc548\uc804\ub9dd\uc744 \uc81c\uacf5\ud558\uba70, \ubbfc\uac04 \ubcf4\ud5d8\uc740 \uc774\ub97c \ubcf4\uc644\ud558\ub294 \ud615\ud0dc\ub85c \uc6b4\uc601\ub418\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \ub450 \uc2dc\uc2a4\ud15c\uc744 \uc801\uc808\ud558\uac8c \uacb0\ud569\ud558\uba74, \uc608\uc0c1\uce58 \ubabb\ud55c \uc0ac\uace0\ub098 \uc9c8\ubcd1\uc5d0 \ub300\ud574 \ubcf4\ub2e4 \ud0c4\ud0c4\ud55c \uc7ac\uc815\uc801 \ubcf4\ud638\ub97c \uad6c\ucd95\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\uc640 \uac19\uc740 \uc0ac\ub840\uc640 \uc22b\uc790\ub4e4\uc740 \ubcf4\ud5d8\uc758 \uc911\uc694\uc131\uc744 \ub354\uc6b1 \ubd80\uac01\uc2dc\ud0a4\uba70, \uae08\uc735 \uc804\ubb38\uac00\ub4e4 \uc5ed\uc2dc \ubcf4\ud5d8\uc740 \uc0ac\ud68c\ucd08\ub144\uc0dd\uc758 \uc7ac\ubb34 \uacc4\ud68d\uc5d0\uc11c \ube60\uc9c8 \uc218 \uc5c6\ub294 \uad6c\uc131 \uc694\uc18c\ub77c\uace0 \uac15\uc870\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc774\uc640 \uac19\uc774 \ubcf4\ud5d8 \uc0c1\ud488\uc740 \uc0ac\ud68c\ucd08\ub144\uc0dd\ub4e4\uc758 \uc7ac\ubb34 \uc548\uc815\uc131\uc744 \ud655\ubcf4\ud558\uae30 \uc704\ud55c \ud544\uc218 \ub3c4\uad6c\uc785\ub2c8\ub2e4. \uac74\uac15, \uc0dd\uba85, \uadf8\ub9ac\uace0 \ub2e4\uc591\ud55c \uc704\ud5d8 \uc694\uc778\uc5d0 \ub300\ube44\ud558\ub294 \ubcf4\ud5d8 \uac00\uc785\uc740 \uc608\uae30\uce58 \uc54a\uc740 \uc0c1\ud669\uc5d0 \ub300\ud55c \ub300\ube44\ucc45\uc73c\ub85c\uc11c \ub9e4\uc6b0 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uac01 \ubcf4\ud5d8 \uc0c1\ud488\uc758 \uc7a5\ub2e8\uc810\uc744 \uba85\ud655\ud788 \uc774\ud574\ud558\uace0, \ud544\uc694\uc5d0 \ub9de\ub294 \uc0c1\ud488\uc744 \uc120\ud0dd\ud568\uc73c\ub85c\uc368 \uc7a5\uae30\uc801\uc778 \uc7ac\ubb34 \uacc4\ud68d\uc5d0 \uc548\uc815\uc801 \uae30\ubc18\uc744 \ub9c8\ub828\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\uc74c \uc139\uc158\uc5d0\uc11c\ub294 \uc0ac\ud68c\ucd08\ub144\uc0dd\ub4e4\uc758 \uae08\uc735 \uc0dd\ud65c\uc5d0\uc11c \ub610 \ub2e4\ub978 \uc911\uc694\ud55c \ubd84\uc57c\uc778 \ub300\ucd9c, \uc2e0\uc6a9 \uad00\ub9ac \ubc0f \uae08\uc735 \ub9ac\uc2a4\ud06c \uad00\ub9ac\uc5d0 \ub300\ud574 \uc790\uc138\ud788 \ub2e4\ub8e8\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<h2 id=\"%ec%84%b9%ec%85%98-4-%eb%8c%80%ec%b6%9c%ea%b3%bc-%ec%8b%a0%ec%9a%a9-%ea%b4%80%eb%a6%ac-%eb%b0%8f-%ea%b8%88%ec%9c%b5-%eb%a6%ac%ec%8a%a4%ed%81%ac-%ea%b4%80%eb%a6%ac-UyOJXhsayS\">\uc139\uc158 4. \ub300\ucd9c\uacfc \uc2e0\uc6a9 \uad00\ub9ac \ubc0f \uae08\uc735 \ub9ac\uc2a4\ud06c \uad00\ub9ac<\/h2>\n<p>\ub300\ucd9c\uacfc \uc2e0\uc6a9 \uad00\ub9ac\ub294 \uc0ac\ud68c\ucd08\ub144\uc0dd\ub4e4\uc774 \uc7ac\ubb34 \uccb4\uacc4\ub97c \uad6c\ucd95\ud558\ub294 \ub370 \uc788\uc5b4 \uc911\uc694\ud55c \uc694\uc18c\uc785\ub2c8\ub2e4. \uc774 \uc139\uc158\uc5d0\uc11c\ub294 \ub300\ucd9c \uc0c1\ud488\uc758 \uc720\ud615, \uc2e0\uc6a9 \uc810\uc218 \uad00\ub9ac \ubc29\ubc95, \uadf8\ub9ac\uace0 \uae08\uc735 \ub9ac\uc2a4\ud06c\uc5d0 \ub300\uc751\ud558\ub294 \uc804\ub7b5\uc5d0 \ub300\ud574 \uc2ec\ub3c4 \uc788\uac8c \ubd84\uc11d\ud569\ub2c8\ub2e4. \ucd5c\uadfc \ud1b5\uacc4\uc5d0 \ub530\ub974\uba74, \uccad\ub144\uce35\uc758 \uc804\uccb4 \ub300\ucd9c \uc911 \uc57d 40% \uc774\uc0c1\uc774 \uc2e0\uc6a9 \uad00\ub9ac\uc758 \ubbf8\ud761\ud568\uc73c\ub85c \uc778\ud574 \ucd94\uac00\uc801\uc778 \ucc44\ubb34 \ubd80\ub2f4\uc73c\ub85c \uc774\uc5b4\uc9c0\uace0 \uc788\ub294 \uc2e4\uc815\uc785\ub2c8\ub2e4. \ub530\ub77c\uc11c \ud604\uba85\ud55c \ub300\ucd9c \uc120\ud0dd\uacfc \ucca0\uc800\ud55c \uc2e0\uc6a9 \uad00\ub9ac\ub294 \uc7ac\ubb34 \uc548\uc815\uc131\uc744 \ud655\ubcf4\ud558\uae30 \uc704\ud55c \ud575\uc2ec \uc804\ub7b5\uc785\ub2c8\ub2e4.<\/p>\n<p>\uccab \ubc88\uc9f8\ub85c, \ub300\ucd9c \uc0c1\ud488\uc758 \uc885\ub958\uc640 \ud2b9\uc131\uc744 \uc815\ud655\ud788 \uc774\ud574\ud558\ub294 \uac83\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \ub300\ucd9c\uc740 \uc7ac\uc815\uc801 \ud544\uc694\uc5d0 \ub530\ub978 \uc790\uae08 \uc870\ub2ec \uc218\ub2e8\uc73c\ub85c \ud65c\uc6a9\ub418\ub098, \uadf8\ub9cc\ud07c \uc0c1\ud658 \ub2a5\ub825\uacfc \uc2e0\uc6a9\ub3c4\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c0\ub294 \uc870\uac74\ub4e4\uc774 \uc874\uc7ac\ud569\ub2c8\ub2e4. \uc740\ud589 \ub300\ucd9c, \uc2e0\uc6a9 \ub300\ucd9c, \uce74\ub4dc \ub300\ucd9c, \uc804\uc138\uc790\uae08 \ub300\ucd9c \ub4f1 \ub2e4\uc591\ud55c \ud615\ud0dc\uc758 \ub300\ucd9c\uc774 \uc788\uc73c\uba70, \uac01\uac01\uc758 \uc0c1\ud488\uc740 \uc774\uc790\uc728, \uc0c1\ud658 \uae30\uac04, \ubcf4\uc99d \uc694\uac74 \ub4f1\uc5d0\uc11c \ucc28\uc774\ub97c \ubcf4\uc785\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc740\ud589\uc758 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc740 \uc0c1\ub300\uc801\uc73c\ub85c \ub0ae\uc740 \uc774\uc790\uc728\uacfc \uae34 \uc0c1\ud658 \uae30\uac04\uc744 \uc81c\uacf5\ud558\uc9c0\ub9cc, \ub2f4\ubcf4 \uc124\uc815\uacfc \uad00\ub828\ub41c \uc870\uac74\uc774 \uae4c\ub2e4\ub85c\uc6b4 \ubc18\uba74 \uc2e0\uc6a9 \ub300\ucd9c\uc740 \uc2e0\uc18d\ud55c \uc2b9\uc778\uacfc \uc811\uadfc\uc131\uc774 \ub6f0\uc5b4\ub098\uc9c0\ub9cc \ub192\uc740 \uae08\ub9ac \ubd80\ub2f4\uc774 \ub530\ub985\ub2c8\ub2e4.<\/p>\n<p>\ub450 \ubc88\uc9f8\ub85c, \uc2e0\uc6a9 \uc810\uc218\ub294 \uae08\uc735 \uc0dd\ud65c \uc804\ubc18\uc5d0 \uac78\uccd0 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uc2e0\uc6a9 \uc810\uc218\ub294 \uac1c\uc778\uc758 \uae08\uc735 \uac70\ub798 \ubc0f \uc0c1\ud658 \uc774\ub825\uc744 \ubc18\uc601\ud558\uc5ec \uc0b0\ucd9c\ub418\ub294\ub370, \uc774\ub294 \ub300\ucd9c \uc2e0\uccad \uc2dc \uc774\uc790\uc728 \uacb0\uc815, \uce74\ub4dc \ud55c\ub3c4 \uc124\uc815, \uc2ec\uc9c0\uc5b4 \ucde8\uc5c5\uc5d0\ub3c4 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc2e0\uc6a9 \uc810\uc218\ub97c \uad00\ub9ac\ud558\ub294 \ubc29\ubc95\uc740 \uc815\uae30\uc801\uc73c\ub85c \uc2e0\uc6a9 \ubcf4\uace0\uc11c\ub97c \ud655\uc778\ud558\uace0, \uc5f0\uccb4 \uc5c6\uc774 \uafb8\uc900\ud788 \uc0c1\ud658\ud558\uba70, \ubd88\ud544\uc694\ud55c \uc2e0\uc6a9\uce74\ub4dc \ubc1c\uae09\uc744 \uc790\uc81c\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uc2e4\uc81c\ub85c \uc2e0\uc6a9 \uc810\uc218\uac00 50\uc810 \uc774\uc0c1 \uc0c1\uc2b9\ud55c \uc18c\ube44\uc790\ub4e4\uc740 \uae08\uc735 \uac70\ub798\uc5d0\uc11c \ub354 \uc720\ub9ac\ud55c \uc870\uac74\uc744 \ubc1b\uace0 \uc788\uc74c\uc744 \ub2e4\uc591\ud55c \uc0ac\ub840 \uc5f0\uad6c\ub97c \ud1b5\ud574 \ud655\uc778\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc138 \ubc88\uc9f8\ub85c, \ub300\ucd9c \uc774\uc6a9 \uc2dc \uc790\uc2e0\uc758 \uc0c1\ud658 \ub2a5\ub825\uc744 \ucca0\uc800\ud788 \ubd84\uc11d\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uae08\uc735 \uc804\ubb38\uac00\ub4e4\uc740 \uc6d4 \uc218\uc785\uc758 \uc77c\uc815 \ube44\uc728(\uc77c\ubc18\uc801\uc73c\ub85c 30% \uc774\ud558)\uc744 \ub300\ucd9c \uc0c1\ud658\uc5d0 \ud560\ub2f9\ud560 \uac83\uc744 \uad8c\uc7a5\ud558\uba70, \uc774\uc5d0 \ub9de\ucdb0 \ub300\ucd9c \uae08\uc561\uacfc \uc0c1\ud658 \uacc4\ud68d\uc744 \uc138\uc6b0\ub294 \uac83\uc774 \ubc14\ub78c\uc9c1\ud569\ub2c8\ub2e4. \uba87\uba87 \uae08\uc735\uae30\uad00\uc5d0\uc11c\ub294 \uc0c1\ud658 \ubd80\ub2f4\ub960\uc5d0 \ub300\ud55c \uc0ac\uc804 \uc9c4\ub2e8 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\uace0 \uc788\uc5b4, \uc774\ub97c \ud65c\uc6a9\ud558\uba74 \ubd88\ud544\uc694\ud55c \ucc44\ubb34 \ubd80\ub2f4\uc744 \uc608\ubc29\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c \uc0ac\ub840\ub85c, \uc0c1\ud658 \uacc4\ud68d \uc5c6\uc774 \ubb34\ub9ac\ud558\uac8c \ub300\ucd9c\uc744 \uc774\uc6a9\ud55c \uc18c\ube44\uc790\ub4e4\uc774 \uc7a5\uae30\uc801\uc778 \uc7ac\uc815 \uc704\uae30\uc5d0 \ube60\uc9c4 \uc0ac\ub840\ub4e4\uc774 \ub2e4\uc218 \ubcf4\uace0\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub124 \ubc88\uc9f8\ub85c, \ub300\ucd9c\uacfc \uad00\ub828\ub41c \uac01\uc885 \uc218\uc218\ub8cc\uc640 \uc774\uc790 \uacc4\uc0b0 \ubc29\uc2dd\uc5d0 \ub300\ud574 \ucda9\ubd84\ud788 \uc774\ud574\ud558\ub294 \uac83\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \ub2e8\uc21c\ud788 \uc774\uc790\uc728\ub9cc \ube44\uad50\ud558\ub294 \uac83\uc774 \uc544\ub2c8\ub77c, \uc5f0\uccb4\ub8cc, \uc911\ub3c4 \uc0c1\ud658 \uc218\uc218\ub8cc, \uae30\ud0c0 \ubd80\ub300 \ube44\uc6a9 \ub4f1\uc744 \ud3ec\ud568\ud55c \ucd1d\ube44\uc6a9\uc744 \uacc4\uc0b0\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub97c \uc704\ud574 \uc778\ud130\ub137\uc0c1\uc758 \ub300\ucd9c \ube44\uad50 \uacc4\uc0b0\uae30\ub098 \uae08\uc735 \uad00\ub828 \uc571\uc744 \ud65c\uc6a9\ud558\uba74, \ubcf4\ub2e4 \uba85\ud655\ud55c \ube44\uad50\uac00 \uac00\ub2a5\ud558\uba70, \uc2e4\uc81c\ub85c \ub9ce\uc740 \uccad\ub144\ub4e4\uc774 \uc774\ub7ec\ud55c \ub3c4\uad6c\ub97c \ud1b5\ud574 \ub0ae\uc740 \uc774\uc790\uc728\uacfc \uc6b0\uc218\ud55c \uc870\uac74\uc758 \ub300\ucd9c \uc0c1\ud488\uc744 \uc120\ud0dd\ud558\ub294 \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub2e4\uc12f \ubc88\uc9f8\ub85c, \uae08\uc735 \ub9ac\uc2a4\ud06c\uc5d0 \ub300\ube44\ud558\ub294 \uc804\ub7b5 \uc5ed\uc2dc \ubc18\ub4dc\uc2dc \ub9c8\ub828\ud574\uc57c \ud569\ub2c8\ub2e4. \ub300\ucd9c\uc740 \ub2e8\uc21c\ud55c \uc790\uae08\uc870\ub2ec \uc218\ub2e8\uc77c \ubfd0\ub9cc \uc544\ub2c8\ub77c, \ubd88\uc758\uc758 \uc0c1\ud669\uc5d0\uc11c \uc7a5\uae30\uc801\uc778 \uc7ac\ubb34\uc801 \ubd80\ub2f4\uc73c\ub85c \uc791\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uae08\uc735 \ub9ac\uc2a4\ud06c \uad00\ub9ac\uc5d0\ub294 \ube44\uc0c1\uae08 \ub9c8\ub828, \ubcf4\ud5d8 \uc0c1\ud488\uc758 \uc801\uc808\ud55c \uac00\uc785, \uadf8\ub9ac\uace0 \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \ub2e4\uac01\ud654 \ub4f1\uc774 \ud3ec\ud568\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4. \uc608\ube44\ube44\ub97c \uc801\uc815 \ube44\uc728 \uc774\uc0c1 \ud655\ubcf4\ud558\ub294 \uac83\uc774 \uc911\uc694\ud558\uba70, \uc774\ub97c \ud1b5\ud574 \uac11\uc791\uc2a4\ub7f0 \uacbd\uc81c \uc704\uae30\uc5d0\ub3c4 \uc548\uc815\uc801\uc778 \uc0dd\ud65c\uc744 \uc720\uc9c0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc5ec\uc12f \ubc88\uc9f8\ub85c, \uc2e0\uc6a9 \uad00\ub9ac\uc758 \ud55c \ubc29\ubc95\uc73c\ub85c\ub294 \uc2e0\uc6a9\uce74\ub4dc \uc0ac\uc6a9\uc5d0 \ub300\ud55c \ucca0\uc800\ud55c \uad00\ub9ac\uac00 \ud544\uc694\ud569\ub2c8\ub2e4. \uc2e0\uc6a9\uce74\ub4dc\ub294 \ub2f9\uc7a5\uc758 \uc18c\ube44 \uc0dd\ud65c\uc744 \ud3b8\ub9ac\ud558\uac8c \ud574\uc8fc\uc9c0\ub9cc, \ubb34\ubd84\ubcc4\ud558\uac8c \uc0ac\uc6a9\ub420 \uacbd\uc6b0 \uacfc\ub3c4\ud55c \ubd80\ucc44\uc640 \uc2e0\uc6a9 \uc810\uc218 \uc545\ud654\ub85c \uc774\uc5b4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc804\ubb38\uac00\ub4e4\uc740 \uc2e0\uc6a9\uce74\ub4dc \uacb0\uc81c \ub0b4\uc5ed\uc744 \uc815\uae30\uc801\uc73c\ub85c \uc810\uac80\ud558\uace0, \ud544\uc694 \uc2dc \uacb0\uc81c \uae08\uc561\uc744 \uc9c1\uc811 \uacc4\uc88c \uc774\uccb4 \ubc29\uc2dd\uc73c\ub85c \uc870\uc808\ud558\ub294 \ubc29\ubc95\uc744 \uc81c\uc2dc\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc2b5\uad00\uc740 \uc7a5\uae30\uc801\uc73c\ub85c \uc548\uc815\uc801\uc778 \uc2e0\uc6a9 \uad00\ub9ac\ub97c \ub3d5\ub294 \uc911\uc694\ud55c \uc694\uc18c\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc77c\uacf1 \ubc88\uc9f8\ub85c, \uae08\uc735 \uad50\uc721\uacfc \uc0c1\ub2f4\uc744 \ud1b5\ud55c \uc2e0\uc6a9 \uad00\ub9ac \uc804\ub7b5 \ud655\ub9bd \ub610\ud55c \ud544\uc694\ud569\ub2c8\ub2e4. \ucd5c\uadfc \uac01\uc885 \uc628\ub77c\uc778 \uae08\uc735 \ud3ec\ud138\uacfc \uc740\ud589, \uae08\uc735\uae30\uad00\uc5d0\uc11c\ub294 \uccad\ub144\ub4e4\uc744 \uc704\ud55c \uc2e0\uc6a9 \uad00\ub9ac \uc138\ubbf8\ub098\uc640 \uc6cc\ud06c\uc20d\uc744 \uac1c\ucd5c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud504\ub85c\uadf8\ub7a8\uc740 \uc2e0\uc6a9 \ubcf4\uace0\uc11c \ud655\uc778, \ub300\ucd9c \uc870\uac74 \ubd84\uc11d, \uadf8\ub9ac\uace0 \uae08\uc735 \ub9ac\uc2a4\ud06c \ub300\uc751 \ubc29\ubc95 \ub4f1\uc5d0 \ub300\ud55c \uc2e4\uc9c8\uc801\uc778 \uc815\ubcf4\ub97c \uc81c\uacf5\ud558\uba70, \uc774\ub97c \ud1b5\ud574 \ub9ce\uc740 \uc0ac\ud68c\ucd08\ub144\uc0dd\ub4e4\uc774 \uae08\uc735 \uc0dd\ud65c\uc744 \uc131\uacf5\uc801\uc73c\ub85c \uad00\ub9ac\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc5ec\ub35f \ubc88\uc9f8\ub85c, \ub514\uc9c0\ud138 \uae08\uc735 \uc11c\ube44\uc2a4\uc640 \ubaa8\ubc14\uc77c \ubc45\ud0b9\uc758 \ubc1c\uc804\uc740 \ub300\ucd9c\uacfc \uc2e0\uc6a9 \uad00\ub9ac\uc5d0 \ud601\uc2e0\uc801\uc778 \ubcc0\ud654\ub97c \uac00\uc838\uc654\uc2b5\ub2c8\ub2e4. \uc2e4\uc2dc\uac04 \uc2e0\uc6a9 \uc810\uc218 \ud655\uc778, \ub300\ucd9c \uc0c1\ud658 \uc54c\ub9bc, \uadf8\ub9ac\uace0 \uac04\ud3b8\ud55c \ub300\ucd9c \uc2e0\uccad \uc808\ucc28\ub294 \uc0ac\ud68c\ucd08\ub144\uc0dd\ub4e4\uc774 \uc2a4\ub9c8\ud2b8\ud3f0\uc744 \ud1b5\ud574 \uc190\uc27d\uac8c \uae08\uc735 \uac70\ub798\ub97c \uad00\ub9ac\ud560 \uc218 \uc788\ub3c4\ub85d \ub3d5\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c\ub85c \ub9ce\uc740 \uae08\uc735 \uae30\uad00\ub4e4\uc774 \uc0c8\ub85c\uc6b4 \ub514\uc9c0\ud138 \ud50c\ub7ab\ud3fc \ub3c4\uc785\uc744 \ud1b5\ud574 \uccad\ub144 \uace0\uac1d\ub4e4\uc758 \ub9cc\uc871\ub3c4\ub97c \ub192\uc600\uc73c\uba70, \uc774\ub85c \uc778\ud574 \uae08\uc735 \uac70\ub798\uc758 \ud6a8\uc728\uc131\uc774 \ud06c\uac8c \ud5a5\uc0c1\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc544\ud649 \ubc88\uc9f8\ub85c, \ub2e4\uc591\ud55c \uae08\uc735 \ub9ac\uc2a4\ud06c \uad00\ub9ac \uae30\ubc95 \uc911 \ud558\ub098\ub294 \u2018\uc790\uc0b0 \ubc30\ubd84\u2019 \uc804\ub7b5\uc785\ub2c8\ub2e4. \uc790\uc0b0 \ubc30\ubd84\uc740 \ub300\ucd9c, \ud22c\uc790, \uc800\ucd95, \ubcf4\ud5d8 \ub4f1 \ub2e4\uc591\ud55c \uae08\uc735 \uc0c1\ud488\uc5d0 \uc790\uc0b0\uc744 \ubd84\uc0b0\uc2dc\ucf1c \ud558\ub098\uc758 \uc704\ud5d8\uc5d0 \uc9d1\uc911\ub418\uc9c0 \uc54a\ub3c4\ub85d \ud558\ub294 \uc804\ub7b5\uc73c\ub85c, \uc774\ub97c \ud1b5\ud574 \uc608\uc0c1\uce58 \ubabb\ud55c \uacbd\uc81c \ucda9\uaca9\uc5d0 \ubcf4\ub2e4 \uc720\uc5f0\ud558\uac8c \ub300\uc751\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ucd5c\uadfc \uc5ec\ub7ec \uae00\ub85c\ubc8c \uae08\uc735 \uae30\uad00\ub4e4\uc740 \uc790\uc0b0 \ubc30\ubd84\uc758 \uc911\uc694\uc131\uc744 \uac15\uc870\ud558\uace0 \uc788\uc73c\uba70, \uc2e4\uc81c \uc131\uacf5 \uc0ac\ub840\ub4e4\ub3c4 \uc774\ub97c \ub4b7\ubc1b\uce68\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc0ac\ud68c\ucd08\ub144\uc0dd\ub4e4\ub3c4 \uc790\uc2e0\uc758 \ud22c\uc790 \ubc0f \uc7ac\ubb34 \ubaa9\ud45c\uc5d0 \ub9de\ucdb0 \ub2e4\uac01\ud654\ub41c \uc790\uc0b0 \ubc30\ubd84 \uc804\ub7b5\uc744 \uc218\ub9bd\ud560 \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc5f4 \ubc88\uc9f8\ub85c, \uae08\uc735 \ub9ac\uc2a4\ud06c \uad00\ub9ac\ub294 \ub2e8\uc21c\ud55c \uacc4\ud68d \uc218\ub9bd\uc5d0 \uadf8\uce58\ub294 \uac83\uc774 \uc544\ub2c8\ub77c, \uafb8\uc900\ud55c \ubaa8\ub2c8\ud130\ub9c1\uacfc \uc7ac\uc870\uc815\uc744 \ud1b5\ud574 \uc720\uc9c0\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4. \uacbd\uc81c \uc0c1\ud669, \uae08\ub9ac \ubcc0\ub3d9, \uc0ac\ud68c\uc801 \uc774\uc288 \ub4f1 \ub2e4\uc591\ud55c \uc678\ubd80 \uc694\uc778\uc740 \ub300\ucd9c \uc0c1\ud658 \ubc0f \uc2e0\uc6a9\ub3c4\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\uae30 \ub54c\ubb38\uc5d0, \uc815\uae30\uc801\uc778 \uc7ac\ubb34 \uc810\uac80\uacfc \ub9ac\uc2a4\ud06c \ud3c9\uac00\uac00 \ud544\uc694\ud569\ub2c8\ub2e4. \uae08\uc735 \uc804\ubb38\uac00\ub4e4\uc740 \ucd5c\uc18c \ubd84\uae30\ubcc4\ub85c \uc790\uc2e0\uc758 \uc7ac\ubb34 \uc0c1\ud669\uc744 \uc810\uac80\ud558\uace0, \uc2dc\uc7a5 \ubcc0\ud654\uc5d0 \ub530\ub77c \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc640 \ub300\ucd9c \uad00\ub9ac \uc804\ub7b5\uc744 \uc7ac\uc870\uc815\ud560 \uac83\uc744 \uad8c\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc774\uc640 \uac19\uc774 \ub300\ucd9c\uacfc \uc2e0\uc6a9 \uad00\ub9ac\ub294 \uc0ac\ud68c\ucd08\ub144\uc0dd\ub4e4\uc758 \uc7ac\ubb34\uc801 \ub3c5\ub9bd\uacfc \ubbf8\ub798 \uc548\uc815\uc131\uc744 \uad6c\ucd95\ud558\ub294 \ub370 \ud575\uc2ec\uc801\uc778 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uac01 \uae08\uc735 \uc0c1\ud488\uc758 \ud2b9\uc131\uacfc \uc790\uc2e0\uc758 \uc7ac\ubb34 \uc0c1\ud669\uc744 \uba74\ubc00\ud788 \ubd84\uc11d\ud55c \ud6c4, \ud604\uba85\ud55c \ub300\ucd9c \uc120\ud0dd\uacfc \ucca0\uc800\ud55c \uc2e0\uc6a9 \uad00\ub9ac, \uadf8\ub9ac\uace0 \uccb4\uacc4\uc801\uc778 \uae08\uc735 \ub9ac\uc2a4\ud06c \ub300\uc751 \uc804\ub7b5\uc744 \uac16\ucd94\ub294 \uac83\uc774 \ubc14\ub78c\uc9c1\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc804\ub7b5\uc744 \ud1b5\ud574 \uae08\uc735 \uc704\uae30 \uc0c1\ud669\uc5d0\uc11c\ub3c4 \uc548\uc815\uc801\uc778 \uc7ac\ubb34 \uc0dd\ud65c\uc744 \uc720\uc9c0\ud560 \uc218 \uc788\uc73c\uba70, \ubbf8\ub798\ub97c \uc704\ud55c \uc790\uc0b0 \uc99d\uc2dd\uc758 \uae30\ubc18\uc744 \ub9c8\ub828\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc885\ud569\ud558\uc790\uba74, \ub300\ucd9c \uc0c1\ud488\uc758 \uc62c\ubc14\ub978 \uc120\ud0dd, \uc2e0\uc6a9 \uc810\uc218\uc758 \uafb8\uc900\ud55c \uad00\ub9ac, \uadf8\ub9ac\uace0 \ub2e4\uc591\ud55c \ub9ac\uc2a4\ud06c \uad00\ub9ac \ubc29\uc548\uc744 \ub9c8\ub828\ud558\ub294 \uac83\uc740 \uc0ac\ud68c\ucd08\ub144\uc0dd\ub4e4\uc5d0\uac8c \ub9e4\uc6b0 \uc911\uc694\ud55c \uc7ac\ubb34 \uc804\ub7b5\uc785\ub2c8\ub2e4. \uc2e4\uc81c \uc0ac\ub840\uc640 \uc804\ubb38\uac00\uc758 \uc870\uc5b8\uc744 \uc885\ud569\ud574 \ubcf4\uba74, \uccad\ub144 \uc2dc\uc808\ubd80\ud130 \uae30\ucd08 \uae08\uc735 \uad6c\uc870\ub97c \ud0c4\ud0c4\ud558\uac8c \uad6c\ucd95\ud55c \uc774\ub4e4\uc740 \uc774\ud6c4 \uc7ac\ubb34\uc801 \uc790\uc720\uc640 \uc548\uc815\ub41c \uc0dd\ud65c\uc744 \ub204\ub9b0\ub2e4\ub294 \uc810\uc774 \uc785\uc99d\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \uc5ec\ub7ec\ubd84\ub4e4\uc740 \uc7ac\ubb34 \uacc4\ud68d\uc744 \ubcf4\ub2e4 \uccb4\uacc4\uc801\uc73c\ub85c \uc218\ub9bd\ud558\uace0, \ubbf8\ub798 \ubcc0\ud654\uc5d0 \uc720\uc5f0\ud558\uac8c \ub300\uc751\ud558\uba70, \uc7a5\uae30\uc801\uc778 \uc790\uc0b0 \uc99d\uc2dd\uc744 \uc704\ud55c \ub4e0\ub4e0\ud55c \uae30\ubc18\uc744 \ub9c8\ub828\ud560 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uc774\ub7ec\ud55c \ub0b4\uc6a9\uc744 \ubc14\ud0d5\uc73c\ub85c \uc0ac\ud68c\ucd08\ub144\uc0dd\ub4e4\uc774 \uae08\uc735\uc0c1\ud488 \uc120\ud0dd\uc5d0 \uc788\uc5b4\uc11c \uc790\uae30\uc8fc\ub3c4\uc801 \ud559\uc2b5\uacfc \uc804\ubb38\uac00 \uc0c1\ub2f4\uc744 \ubcd1\ud589\ud55c\ub2e4\uba74, \ubd88\ud544\uc694\ud55c \uae08\uc735 \ub9ac\uc2a4\ud06c\ub97c \uc904\uc774\uace0 \uc548\uc815\uc801\uc778 \uc7ac\ubb34 \uc0c1\ud0dc\ub97c \uc720\uc9c0\ud560 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4. \uac01 \uc139\uc158\uc5d0\uc11c \ub2e4\ub8ec \uae30\ucd08 \uae08\uc735 \uc9c0\uc2dd, \uc800\ucd95 \ubc0f \ud22c\uc790 \uc0c1\ud488, \ubcf4\ud5d8 \uc0c1\ud488, \uadf8\ub9ac\uace0 \ub300\ucd9c \ubc0f \uc2e0\uc6a9 \uad00\ub9ac \uc804\ub7b5\uc740 \ubaa8\ub450 \uc5ec\ub7ec\ubd84\ub4e4\uc758 \uc7ac\ubb34 \uc804\ub7b5\uc744 \uccb4\uacc4\uc801\uc73c\ub85c \uc218\ub9bd\ud558\ub294 \ub370 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uae08\uc735 \uc0dd\ud65c\uc758 \uc131\uacf5\uc740 \ub2e8\uc21c\ud788 \ud55c \ubc88\uc758 \uc120\ud0dd\uc774 \uc544\ub2c8\ub77c, \uc9c0\uc18d\uc801\uc778 \ud559\uc2b5\uacfc \uad00\ub9ac, \uadf8\ub9ac\uace0 \uc2dc\uc7a5 \ubcc0\ud654\uc5d0 \ub300\ud55c \ubbfc\uac10\ud55c \ub300\uc751\ub825\uc744 \ud1b5\ud574 \uc774\ub8e8\uc5b4\uc9d1\ub2c8\ub2e4.<\/p>\n<p>\uac15\ub825\ud55c \uc694\uc57d\uc73c\ub85c \ub9c8\ubb34\ub9ac\ud558\uc790\uba74, \uc0ac\ud68c\ucd08\ub144\uc0dd\uc758 \uae08\uc735 \uc804\ub7b5\uc740 \uae30\ucd08 \uae08\uc735 \uc9c0\uc2dd \uc2b5\ub4dd\uc5d0\uc11c \uc2dc\uc791\ud558\uc5ec, \uc548\uc804\ud55c \uc800\ucd95 \ubc0f \ud22c\uc790 \uc0c1\ud488 \uc120\ud0dd, \ubcf4\ud5d8 \uac00\uc785\uc744 \ud1b5\ud55c \ub9ac\uc2a4\ud06c \ub300\ube44, \uadf8\ub9ac\uace0 \ub300\ucd9c\uacfc \uc2e0\uc6a9 \uad00\ub9ac\ub85c \uc774\uc5b4\uc9c0\ub294 \uc77c\ub828\uc758 \uccb4\uacc4\uc801\uc778 \uacfc\uc815\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uacfc\uc815\uc744 \ud1b5\ud574 \uc7ac\ubb34\uc801 \uc548\uc815\uc131\uc744 \ud655\ubcf4\ud558\uace0, \ubd88\ud655\uc2e4\ud55c \ubbf8\ub798\uc5d0 \ub300\ube44\ud560 \uc218 \uc788\uc73c\uba70, \uc7a5\uae30\uc801\uc778 \uc790\uc0b0 \uc99d\uc2dd\uc744 \uc704\ud55c \ud0c4\ud0c4\ud55c \uae30\ubc18\uc744 \ub9c8\ub828\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc5ec\ub7ec\ubd84\ub4e4\uc758 \uc7ac\ubb34 \uc131\uacf5\uc744 \uc704\ud574 \uc9c0\uae08 \ub2f9\uc7a5 \uc2e0\ub8b0\ud560 \uc218 \uc788\ub294 \uc804\ubb38\uac00\uc758 \uc0c1\ub2f4\uacfc \ucca0\uc800\ud55c \uc2dc\uc7a5 \ubd84\uc11d\uc744 \ud1b5\ud574 \uc790\uc2e0\uc5d0\uac8c \ucd5c\uc801\uc758 \uae08\uc735\uc0c1\ud488\uc744 \uc120\ud0dd\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc0ac\ud68c\ucd08\ub144\uc0dd\uc744 \uc704\ud55c \ud544\uc218 \uae08\uc735\uc0c1\ud488 \ub9ac\uc2a4\ud2b8! \ubbf8\ub798 \ub300\ube44\uc640 \uc790\uc0b0 \uad00\ub9ac\ub97c \uc704\ud55c \uc548\uc815 \ud22c\uc790, \ubcf4\ud5d8 \ub4f1 \uaf2d \ud544\uc694\ud55c \uc815\ubcf4\ub97c \ud55c\ub208\uc5d0 \ud655\uc778\ud574 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