{"id":57874,"date":"2025-05-18T08:29:36","date_gmt":"2025-05-17T23:29:36","guid":{"rendered":"https:\/\/8gfg.shop\/blog\/lifestyle\/how-to-raise-your-credit-score-and-build-a-foundation-for-financial-investment-before-your-30s"},"modified":"2025-05-18T08:29:39","modified_gmt":"2025-05-17T23:29:39","slug":"how-to-raise-your-credit-score-and-build-a-foundation-for-financial-investment-before-your-30s","status":"publish","type":"post","link":"https:\/\/8gfg.shop\/blog\/lifestyle\/how-to-raise-your-credit-score-and-build-a-foundation-for-financial-investment-before-your-30s","title":{"rendered":"30\ub300 \uc804\uc5d0 \uc2e0\uc6a9\uc810\uc218 \ub192\uc5ec \uc7ac\ud14c\ud06c \uae30\ucd08 \ub2e4\uc9c0\ub294 \ubc95"},"content":{"rendered":"<ul class=\"toc_post_list\">\n<li>\n<h2>\ubaa9\ucc28<\/h2>\n<ul>\n<li><a href=\"#30%eb%8c%80-%ec%a0%84%ec%97%90-%ec%8b%a0%ec%9a%a9%ec%a0%90%ec%88%98-%eb%86%92%ec%97%ac-%ec%9e%ac%ed%85%8c%ed%81%ac-%ea%b8%b0%ec%b4%88-%eb%8b%a4%ec%a7%80%eb%8a%94-%eb%b2%95-zmNtLKMaWo\">30\ub300 \uc804\uc5d0 \uc2e0\uc6a9\uc810\uc218 \ub192\uc5ec \uc7ac\ud14c\ud06c \uae30\ucd08 \ub2e4\uc9c0\ub294 \ubc95<\/a><\/li>\n<li><a href=\"#1-%ec%8b%a0%ec%9a%a9%ec%a0%90%ec%88%98%ec%99%80-%ec%9e%ac%ed%85%8c%ed%81%ac%ec%9d%98-%ea%b8%b0%ec%b4%88-%ec%9d%b4%ed%95%b4-zmNtLKMaWo\">1. \uc2e0\uc6a9\uc810\uc218\uc640 \uc7ac\ud14c\ud06c\uc758 \uae30\ucd08 \uc774\ud574<\/a><\/li>\n<li><a href=\"#2-%ec%8b%a0%ec%9a%a9%ec%a0%90%ec%88%98-%ed%96%a5%ec%83%81%ec%9d%84-%ec%9c%84%ed%95%9c-%ec%83%9d%ed%99%9c%ec%8a%b5%ea%b4%80%ea%b3%bc-%ec%9e%ac%ec%a0%95-%ea%b4%80%eb%a6%ac-%ec%a0%84%eb%9e%b5-zmNtLKMaWo\">2. \uc2e0\uc6a9\uc810\uc218 \ud5a5\uc0c1\uc744 \uc704\ud55c \uc0dd\ud65c\uc2b5\uad00\uacfc \uc7ac\uc815 \uad00\ub9ac \uc804\ub7b5<\/a><\/li>\n<li><a href=\"#3-%ec%9c%b5%ed%86%b5%ec%84%b1-%ec%9e%88%eb%8a%94-%ec%9e%ac%ed%85%8c%ed%81%ac-%ea%b8%b0%ec%b4%88-%eb%8b%a4%ec%a7%80%ea%b8%b0%ec%99%80-%ed%88%ac%ec%9e%90-%ec%a0%84%eb%9e%b5-zmNtLKMaWo\">3. \uc735\ud1b5\uc131 \uc788\ub294 \uc7ac\ud14c\ud06c \uae30\ucd08 \ub2e4\uc9c0\uae30\uc640 \ud22c\uc790 \uc804\ub7b5<\/a><\/li>\n<li><a href=\"#4-%eb%af%b8%eb%9e%98-%eb%8c%80%eb%b9%84%ec%99%80-%ec%b5%9c%ec%8b%a0-%ea%b2%bd%ec%a0%9c-%eb%8f%99%ed%96%a5%ec%9d%84-%eb%b0%98%ec%98%81%ed%95%9c-%ec%9e%ac%ed%85%8c%ed%81%ac-%ec%a0%84%eb%9e%b5-zmNtLKMaWo\">4. \ubbf8\ub798 \ub300\ube44\uc640 \ucd5c\uc2e0 \uacbd\uc81c \ub3d9\ud5a5\uc744 \ubc18\uc601\ud55c \uc7ac\ud14c\ud06c \uc804\ub7b5<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>    <title id=\"30%eb%8c%80-%ec%a0%84%ec%97%90-%ec%8b%a0%ec%9a%a9%ec%a0%90%ec%88%98-%eb%86%92%ec%97%ac-%ec%9e%ac%ed%85%8c%ed%81%ac-%ea%b8%b0%ec%b4%88-%eb%8b%a4%ec%a7%80%eb%8a%94-%eb%b2%95-zmNtLKMaWo\">30\ub300 \uc804\uc5d0 \uc2e0\uc6a9\uc810\uc218 \ub192\uc5ec \uc7ac\ud14c\ud06c \uae30\ucd08 \ub2e4\uc9c0\ub294 \ubc95<\/title><\/p>\n<h1 id=\"30%eb%8c%80-%ec%a0%84%ec%97%90-%ec%8b%a0%ec%9a%a9%ec%a0%90%ec%88%98-%eb%86%92%ec%97%ac-%ec%9e%ac%ed%85%8c%ed%81%ac-%ea%b8%b0%ec%b4%88-%eb%8b%a4%ec%a7%80%eb%8a%94-%eb%b2%95-zmNtLKMaWo\">30\ub300 \uc804\uc5d0 \uc2e0\uc6a9\uc810\uc218 \ub192\uc5ec \uc7ac\ud14c\ud06c \uae30\ucd08 \ub2e4\uc9c0\ub294 \ubc95<\/h1>\n<p><img decoding=\"async\" src=\"https:\/\/8gfg.shop\/blog\/wp-content\/uploads\/2025\/05\/30eb8c80-eca084ec9790-ec8ba0ec9aa9eca090ec8898-eb8692ec97ac-ec9eaced858ced81ac-eab8b0ecb488-eb8ba4eca780eb8a94-ebb295.jpeg\" alt=\"30\ub300 \uc804\uc5d0 \uc2e0\uc6a9\uc810\uc218 \ub192\uc5ec \uc7ac\ud14c\ud06c \uae30\ucd08 \ub2e4\uc9c0\ub294 \ubc95\" \/><\/p>\n<p>\ud604\ub300 \uc0ac\ud68c\uc5d0\uc11c \uc7ac\ud14c\ud06c\uc640 \ud22c\uc790\ub294 \ub2e8\uc21c\ud55c \ubd80\uc758 \ucd95\uc801\uc744 \ub118\uc5b4 \uc0b6\uc758 \uc9c8\uacfc \ubbf8\ub798 \uc124\uacc4\uc5d0 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ub2f4\ub2f9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 30\ub300 \uc774\uc804\uc5d0 \uc2e0\uc6a9\uc810\uc218\ub97c \ub192\uc5ec \uacbd\uc81c\uc801 \uae30\ubc18\uc744 \ub2e4\uc9c0\ub294 \uc77c\uc740 \ub2e8\uc21c\ud55c \uc7ac\ubb34 \uad00\ub9ac \uc774\uc0c1\uc758 \uc758\ubbf8\ub97c \uc9c0\ub2c8\uba70, \uc55e\uc73c\ub85c\uc758 \ud22c\uc790 \ubc0f \uae08\uc735 \uc0dd\ud65c \uc804\ubc18\uc5d0 \uac78\uccd0 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4. \ubcf8 \uae00\uc740 \uae08\uc735 \ubc0f \ud22c\uc790 \ubd84\uc57c\uc5d0 \ud48d\ubd80\ud55c \uacbd\ud5d8\uacfc \uc5f0\uad6c \uacb0\uacfc\ub97c \ud1a0\ub300\ub85c, \uc2e0\uc6a9\uc810\uc218\uc758 \uac1c\ub150\ubd80\ud130 \uad00\ub9ac \ubc29\ubc95, \uadf8\ub9ac\uace0 \uc774\ub97c \ud1b5\ud55c \uc7ac\ud14c\ud06c \uae30\ucd08 \ub2e4\uc9c0\uae30 \uc804\ub7b5\uae4c\uc9c0 \uc2ec\ub3c4 \uae4a\uac8c \ubd84\uc11d\ud558\uace0\uc790 \ud569\ub2c8\ub2e4.<\/p>\n<p>\uc2e0\uc6a9\uc810\uc218\ub294 \uac1c\uc778\uc758 \uc2e0\uc6a9 \uc774\ub825\uc744 \uc815\ub7c9\ud654\ud55c \uc218\uce58\ub85c, \uae08\uc735\uae30\uad00\uc774 \ub300\ucd9c \uc2ec\uc0ac\ub098 \uae08\uc735 \uc0c1\ud488 \uac00\uc785 \uc2dc \uac00\uc7a5 \uba3c\uc800 \uac80\ud1a0\ud558\ub294 \uc694\uc18c\uc785\ub2c8\ub2e4. \uc774 \uc810\uc218\ub294 \ub300\ucd9c \uc774\ub825, \uacb0\uc81c \uc774\ub825, \uc2e0\uc6a9\uce74\ub4dc \uc0ac\uc6a9 \ud328\ud134, \uadf8\ub9ac\uace0 \uac01\uc885 \uae08\uc735 \uac70\ub798 \uc815\ubcf4\ub97c \ubc14\ud0d5\uc73c\ub85c \uc0b0\ucd9c\ub418\uba70, \uc2e0\uc6a9\uc810\uc218\uac00 \ub192\uc744\uc218\ub85d \uc548\uc815\uc801\uc774\uace0 \uc2e0\ub8b0\ud560 \uc218 \uc788\ub294 \uae08\uc735 \uc18c\ube44\uc790\ub85c \ud310\ub2e8\ub429\ub2c8\ub2e4. \ud55c\ud3b8, \ub0ae\uc740 \uc2e0\uc6a9\uc810\uc218\ub294 \ub300\ucd9c \uc774\uc790\uc728 \uc0c1\uc2b9, \uae08\uc735 \uac70\ub798 \uc81c\ud55c \ub4f1 \uc5ec\ub7ec \ubd88\uc774\uc775\uc744 \ucd08\ub798\ud560 \uc218 \uc788\uc73c\ubbc0\ub85c, \uc80a\uc740 \uc138\ub300\uac00 30\ub300\uc5d0 \uc811\uc5b4\ub4e4\uae30 \uc804\uc5d0 \uccb4\uacc4\uc801\uc73c\ub85c \uad00\ub9ac\ud574\uc57c \ud560 \uc911\uc694\ud55c \uc790\uc0b0\uc785\ub2c8\ub2e4.<\/p>\n<p>\ucd5c\uadfc \uae08\uc735 \uc2dc\uc7a5\uc5d0\uc11c\ub294 \uac1c\uc778 \uc2e0\uc6a9\uad00\ub9ac\uc5d0 \ub300\ud55c \uad00\uc2ec\uc774 \ub192\uc544\uc9c0\uba74\uc11c, \uc2e0\uc6a9\uc810\uc218 \uad00\ub9ac\uc640 \uc7ac\ud14c\ud06c \uc0ac\uc774\uc758 \uc720\uc758\ubbf8\ud55c \uc0c1\uad00\uad00\uacc4\uac00 \uc5ec\ub7ec \uc5f0\uad6c\ub97c \ud1b5\ud574 \uc785\uc99d\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uad6d\ub0b4 \uc8fc\uc694 \uc740\ud589\ub4e4\uc774 \ubc1c\ud45c\ud55c \uc790\ub8cc\uc5d0 \ub530\ub974\uba74 \uc2e0\uc6a9\uc810\uc218\uac00 700\uc810\uc744 \ub118\uc73c\uba74 \ub300\ucd9c \uc2b9\uc778\uc728\uc774 \ud3c9\uade0 90% \uc774\uc0c1\uc5d0 \ub2ec\ud558\uba70, \uc774\uc790\uc728 \ub610\ud55c \uc18c\ud3ed \ub0ae\uac8c \uc801\uc6a9\ub418\ub294 \uc0ac\ub840\uac00 \ub2e4\uc218 \ubcf4\uace0\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\uba74 600\uc810 \uc774\ud558\uc77c \uacbd\uc6b0 \ub300\ucd9c \ud55c\ub3c4 \ucd95\uc18c\uc640 \ub192\uc740 \uc774\uc790\uc728\uc774 \uc801\uc6a9\ub418\ub294 \uc0ac\ub840\uac00 \ube48\ubc88\ud558\uac8c \ub098\ud0c0\ub098, \uc7ac\ud14c\ud06c \uc804\ub7b5\uc758 \ucd08\uc11d\uc778 \uac74\uc804\ud55c \uae08\uc735 \uc0dd\ud65c\uc758 \uc911\uc694\uc131\uc744 \uac15\uc870\ud558\uac8c \ub429\ub2c8\ub2e4.<\/p>\n<p>\uc774 \uae00\uc5d0\uc11c\ub294 \uc2e0\uc6a9\uc810\uc218\ub97c \uccb4\uacc4\uc801\uc73c\ub85c \uc774\ud574\ud558\uace0 \uad00\ub9ac\ud558\ub294 \ubc29\ubc95\uc744 \ube44\ub86f\ud558\uc5ec, \uc774\ub97c \ud1b5\ud574 \ud6a8\uacfc\uc801\uc778 \uc7ac\ud14c\ud06c \uacc4\ud68d\uc744 \uc124\uacc4\ud558\ub294 \uad6c\uccb4\uc801\uc778 \uc804\ub7b5\ub4e4\uc744 \ub2e4\ub8e8\uace0\uc790 \ud569\ub2c8\ub2e4. \uac01 \uc139\uc158\ub9c8\ub2e4 \ucd5c\uc18c 10\uac1c \uc774\uc0c1\uc758 \ub2e8\ub77d\uc73c\ub85c \ubd84\ud560\ud558\uc5ec \uc2ec\ub3c4 \uc788\ub294 \ubd84\uc11d\uacfc \uc2e4\uc81c \uc0ac\ub840, \uadf8\ub9ac\uace0 \ud1b5\uacc4 \uc790\ub8cc\ub4e4\uc744 \uae30\ubc18\uc73c\ub85c \uc804\ubb38\uc801\uc778 \uc815\ubcf4\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \ub3c5\uc790\ub4e4\uaed8\uc11c\ub294 \uc790\uc2e0\uc758 \uc2e0\uc6a9 \uc0c1\ud0dc\ub97c \uc810\uac80\ud558\uace0, \uae08\uc735 \uc0dd\ud65c\uc758 \ubc11\uadf8\ub9bc\uc744 \uadf8\ub9b4 \uc218 \uc788\ub294 \uc2e4\uc9c8\uc801\uc778 \ub3c4\uc6c0\uc744 \ubc1b\uc744 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\ud2b9\ud788 20\ub300 \ud6c4\ubc18\ubd80\ud130 30\ub300 \ucd08\ubc18\uc5d0 \uc811\uc5b4\ub4dc\ub294 \uc2dc\uae30\ub294 \uc9c1\uc5c5 \uc548\uc815\uc131\uacfc \uc18c\ub4dd\uc774 \ubcf8\uaca9\uc801\uc73c\ub85c \uc99d\uac00\ud558\uae30 \uc2dc\uc791\ud558\ub294 \uc2dc\uae30\uc774\ubbc0\ub85c, \uc2e0\uc6a9 \uad00\ub9ac\uc640 \uc7ac\ud14c\ud06c\uc758 \uae30\ucd08\ub97c \ub2e4\uc9c0\ub294 \ub370 \ucd5c\uc801\uc758 \ud0c0\uc774\ubc0d\uc774\ub77c \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uae08\uc735 \uc804\ubb38\uac00\ub4e4\uc740 \uc774 \uc2dc\uae30\uc5d0 \uc62c\ubc14\ub978 \uae08\uc735 \uc2b5\uad00\uc744 \ud615\uc131\ud558\uace0, \ubd80\ucc44 \uad00\ub9ac\uc640 \uc800\ucd95, \ud22c\uc790 \uacc4\ud68d\uc744 \uccb4\uacc4\uc801\uc73c\ub85c \uc218\ub9bd\ud558\ub294 \uac83\uc774 \uc7a5\uae30\uc801\uc778 \ubd80\uc758 \ucd95\uc801\uc5d0 \ud544\uc218\uc801\uc774\ub77c\uace0 \uac15\uc870\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c, \uc2e0\uc6a9\uc810\uc218\ub97c \ub192\uc774\uae30 \uc704\ud55c \uad6c\uccb4\uc801\uc778 \ubc29\ubc95\uc5d0\ub294 \uafb8\uc900\ud55c \ub300\ucd9c \uc0c1\ud658, \uc2e0\uc6a9\uce74\ub4dc \uacb0\uc81c \uc774\ub825 \uad00\ub9ac, \uadf8\ub9ac\uace0 \uae08\uc735 \uac70\ub798 \ud328\ud134\uc758 \ucd5c\uc801\ud654\uac00 \ud3ec\ud568\ub429\ub2c8\ub2e4. \uae08\uc735\uae30\uad00\uacfc\uc758 \uc2e0\ub8b0 \uad00\uacc4\ub97c \uc313\uae30 \uc704\ud574\uc11c\ub294 \uc18c\uc561 \ub300\ucd9c\uc774\ub098 \ud560\ubd80 \uacb0\uc81c \ub4f1 \ud3c9\uc18c\uc758 \uc0dd\ud65c \uc18d\uc5d0\uc11c \ubc1c\uc0dd\ud558\ub294 \ub2e4\uc591\ud55c \uae08\uc735 \ud65c\ub3d9\uc744 \uc62c\ubc14\ub974\uac8c \uae30\ub85d\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc2e4\uc81c\ub85c \uc5ec\ub7ec \uae08\uc735 \uad50\uc721 \uc138\ubbf8\ub098\uc5d0\uc11c \uac15\uc870\ub418\ub294 \ubd80\ubd84\uc774\uae30\ub3c4 \ud569\ub2c8\ub2e4.<\/p>\n<p>\ud604\uc7ac \uae08\uc735 \uc2dc\uc7a5\uc5d0\uc11c\ub294 \uc778\ud130\ub137 \ubc45\ud0b9, \ubaa8\ubc14\uc77c \uae08\uc735 \uc571, \uadf8\ub9ac\uace0 \ub2e4\uc591\ud55c \ud540\ud14c\ud06c \uc11c\ube44\uc2a4\ub4e4\uc774 \ub4f1\uc7a5\ud568\uc73c\ub85c\uc368, \uac1c\uc778 \uc2e0\uc6a9 \uad00\ub9ac\uc5d0 \ub3c4\uc6c0\uc744 \uc8fc\ub294 \ub3c4\uad6c\ub4e4\uc774 \ud06c\uac8c \ud655\ub300\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub514\uc9c0\ud138 \uae08\uc735 \uae30\uc220\uc744 \ub2a5\ub3d9\uc801\uc73c\ub85c \ud65c\uc6a9\ud558\uba74, \uc2e4\uc2dc\uac04\uc73c\ub85c \uc2e0\uc6a9\uc815\ubcf4\ub97c \ud655\uc778\ud558\uace0 \uac1c\uc120\ud560 \uc218 \uc788\uc5b4 \ubcf4\ub2e4 \uccb4\uacc4\uc801\uc778 \uc790\uc0b0 \uad00\ub9ac\uc640 \uc7ac\ud14c\ud06c \uc804\ub7b5 \uc218\ub9bd\uc774 \uac00\ub2a5\ud574\uc9d1\ub2c8\ub2e4.<\/p>\n<p>\ubcf8 \uc139\uc158\uc5d0\uc11c\ub294 \uc2e0\uc6a9\uc810\uc218\uac00 \ubb34\uc5c7\uc778\uc9c0, \uadf8\ub9ac\uace0 \uc65c \uc911\uc694\ud55c\uc9c0\uc5d0 \ub300\ud574 \uc2ec\ub3c4 \uc788\uac8c \uc124\uba85\ud558\uace0\uc790 \ud569\ub2c8\ub2e4. \ub610\ud55c, \uac01\uc885 \uad6d\ub0b4\uc678 \uc5f0\uad6c \uc790\ub8cc\uc640 \ud1b5\uacc4 \ub370\uc774\ud130\ub97c \ubc14\ud0d5\uc73c\ub85c \uc2e0\uc6a9\uc810\uc218\ub97c \ub192\uc774\ub294 \uac83\uc774 \uacbd\uc81c \uc804\ubc18\uc5d0 \ubbf8\uce58\ub294 \uae0d\uc815\uc801 \uc601\ud5a5\uc744 \ubd84\uc11d\ud558\uba70, \uc774\ub97c \ud1b5\ud55c \uc7ac\ud14c\ud06c \uae30\ucd08 \ub2e4\uc9c0\uae30\uc758 \ud544\uc694\uc131\uc744 \ub17c\uc99d\ud569\ub2c8\ub2e4.<\/p>\n<p>\uacb0\ub860\uc801\uc73c\ub85c, \uc2e0\uc6a9\uc810\uc218\ub294 \ub2e8\uc21c\ud55c \uc22b\uc790 \uc774\uc0c1\uc758 \uc758\ubbf8\ub97c \uc9c0\ub2c8\uba70, \uac1c\uc778\uc758 \uacbd\uc81c\uc801 \uc2e0\ub8b0\ub3c4\uc640 \ubbf8\ub798 \ud22c\uc790 \uae30\ud68c\ub97c \uc88c\uc6b0\ud558\ub294 \ud575\uc2ec \uc694\uc18c\uc785\ub2c8\ub2e4. 30\ub300 \uc804\uc5d0 \uac74\uc804\ud55c \uc2e0\uc6a9 \uad00\ub9ac\uc640 \uc7ac\ud14c\ud06c \uc2b5\uad00\uc744 \ud615\uc131\ud568\uc73c\ub85c\uc368, \uc0dd\ud65c \uc18d\uc5d0\uc11c \ubc1c\uc0dd\ud560 \uc218 \uc788\ub294 \uae08\uc735 \uc704\ud5d8\uc744 \ucd5c\uc18c\ud654\ud558\uace0, \ubcf4\ub2e4 \uc548\uc815\uc801\uc774\uace0 \ud48d\uc694\ub85c\uc6b4 \ubbf8\ub798\ub97c \uc124\uacc4\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ud6c4 \uc139\uc158\uc5d0\uc11c\ub294 \uc774\ub7ec\ud55c \uc2e0\uc6a9 \uad00\ub9ac\uc640 \uc7ac\ud14c\ud06c \uc804\ub7b5\uc744 \uad6c\uccb4\uc801\uc73c\ub85c \uc5b4\ub5bb\uac8c \uc900\ube44\ud558\uace0 \uc2e4\ud589\ud560 \uc218 \uc788\ub294\uc9c0 \ub2e4\uac01\ub3c4\ub85c \ubd84\uc11d\ud574 \ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc544\uc6b8\ub7ec, \ub3c5\uc790\ub4e4\uc774 \ubcf4\ub2e4 \uc27d\uac8c \uc774\ud574\ud560 \uc218 \uc788\ub3c4\ub85d \uc2e0\uc6a9\uc810\uc218 \uad00\ub9ac\uc5d0 \uad00\ud55c \uc2e4\uc81c \uc0ac\ub840\uc640 \ud1b5\uacc4 \uc790\ub8cc, \uadf8\ub9ac\uace0 \uae08\uc735 \uc804\ubb38\uac00\ub4e4\uc758 \uc870\uc5b8\uc744 \uc885\ud569\ud558\uc5ec \uc81c\uc2dc\ud560 \uc608\uc815\uc785\ub2c8\ub2e4. \uc774\ub294 \ub2e8\uc21c\ud788 \uc774\ub860\uc801\uc778 \ub17c\uc758\uc5d0 \uba38\ubb34\ub974\uc9c0 \uc54a\uace0, \uc2e4\uc0dd\ud65c\uc5d0 \ubc14\ub85c \uc801\uc6a9 \uac00\ub2a5\ud55c \uad6c\uccb4\uc801\uc778 \uc9c0\uce68\uc744 \uc81c\uacf5\ud558\uc5ec \ubaa8\ub4e0 \uc138\ub300\uac00 \uae08\uc735\uc801\uc73c\ub85c \uc790\ub9bd\ud560 \uc218 \uc788\ub3c4\ub85d \ub3d5\uc2b5\ub2c8\ub2e4.<\/p>\n<h2 id=\"1-%ec%8b%a0%ec%9a%a9%ec%a0%90%ec%88%98%ec%99%80-%ec%9e%ac%ed%85%8c%ed%81%ac%ec%9d%98-%ea%b8%b0%ec%b4%88-%ec%9d%b4%ed%95%b4-zmNtLKMaWo\">1. \uc2e0\uc6a9\uc810\uc218\uc640 \uc7ac\ud14c\ud06c\uc758 \uae30\ucd08 \uc774\ud574<\/h2>\n<p>\uc2e0\uc6a9\uc810\uc218\ub294 \uac1c\uc778\uc758 \uae08\uc735 \uc774\ub825\uacfc \uc0c1\ud658 \ub2a5\ub825\uc744 \ud3c9\uac00\ud558\ub294 \uc911\uc694\ud55c \uc9c0\ud45c\ub85c, \ub300\ucd9c \ubc0f \uc2e0\uc6a9\uce74\ub4dc \uc0ac\uc6a9, \uae08\uc735 \uc0c1\ud488 \uac00\uc785 \ub4f1 \ub2e4\uc591\ud55c \uae08\uc735 \uac70\ub798 \uc2dc \ubc18\ub4dc\uc2dc \uace0\ub824\ub418\ub294 \uc694\uc18c\uc785\ub2c8\ub2e4. \uae08\uc735\uae30\uad00\uc740 \uc774\ub97c \ud1b5\ud574 \uace0\uac1d\uc758 \uc2e0\uc6a9\ub3c4\ub97c \ud310\ub2e8\ud558\uba70, \uc774\uc5d0 \ub530\ub978 \ub300\ucd9c \ud55c\ub3c4, \uae08\ub9ac, \ubcf4\uc99d \uc870\uac74 \ub4f1\uc744 \uacb0\uc815\ud558\uac8c \ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc2e0\uc6a9\uc810\uc218\ub294 \uae08\uc735 \uc0dd\ud65c\uc758 \uc785\uad6c \uc5ed\ud560\uc744 \ud558\uae30 \ub54c\ubb38\uc5d0, \uc2e0\uc6a9 \uad00\ub9ac\uc5d0 \uc2e4\ud328\ud560 \uacbd\uc6b0 \ud5a5\ud6c4 \ud22c\uc790\ub098 \uc7ac\ud14c\ud06c \uacc4\ud68d\uc5d0\ub3c4 \ubd80\uc815\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc6b0\uc120 \uc2e0\uc6a9\uc810\uc218\uc758 \uc0b0\ucd9c \ubc29\uc2dd\uc740 \uc5ec\ub7ec \uc694\uc18c\uc5d0 \uae30\ucd08\ud558\uba70, \ub300\ud45c\uc801\uc73c\ub85c \uc5f0\uccb4 \uae30\ub85d, \ub300\ucd9c \uc0c1\ud658 \uc774\ub825, \uc0ac\uc6a9 \uc911\uc778 \uc2e0\uc6a9\uce74\ub4dc\uc758 \ud55c\ub3c4 \ubc0f \uc0ac\uc6a9\ub960 \ub4f1\uc744 \ud3ec\ud568\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uafb8\uc900\ud55c \uc0c1\ud658 \uae30\ub85d\uc740 \uc2e0\uc6a9\uc810\uc218 \uc0c1\uc2b9\uc5d0 \uae0d\uc815\uc801\uc778 \uc694\uc18c\ub85c \uc791\uc6a9\ud558\ub294 \ubc18\uba74, \uc7a6\uc740 \uc5f0\uccb4\ub098 \ubbf8\ub0a9 \uae30\ub85d\uc740 \ud070 \uac10\uc810\uc744 \ucd08\ub798\ud569\ub2c8\ub2e4. \uae08\uc735 \uc804\ubb38\uac00\ub4e4\uc740 \uc774\uc640 \uac19\uc740 \uc694\uc18c\ub4e4\uc744 \uccb4\uacc4\uc801\uc73c\ub85c \uad00\ub9ac\ud558\ub294 \uac83\uc774 \uc2e0\uc6a9\uc810\uc218\ub97c \uac1c\uc120\ud558\ub294 \ub370 \ud544\uc218\uc801\uc774\ub77c \uc785\uc744 \ubaa8\uc74d\ub2c8\ub2e4.<\/p>\n<p>\uc2e4\uc81c \uc0ac\ub840\ub85c, 25\uc138\uc758 \uc9c1\uc7a5\uc778 A\uc528\uc758 \uacbd\uc6b0, \uc2e0\uc6a9\uce74\ub4dc \ubbf8\ub0a9\uc73c\ub85c \uc778\ud55c \uc2e0\uc6a9\uc810\uc218 \uc800\ud558\ub85c \uc778\ud574 \uc740\ud589\uc5d0\uc11c \ub300\ucd9c \uc2ec\uc0ac\uc5d0\uc11c \uc5b4\ub824\uc6c0\uc744 \uacaa\uc740 \uc0ac\ub840\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc0ac\ub840\ub294 \ub2e8\ubc1c\uc801\uc778 \uc18c\ud640\ud568\uc774 \uc7a5\uae30\uc801\uc73c\ub85c \uae08\uc735 \uc0dd\ud65c\uc5d0 \uc5bc\ub9c8\ub098 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294\uc9c0\ub97c \ub2e8\uc801\uc73c\ub85c \ubcf4\uc5ec\uc90d\ub2c8\ub2e4. \ubc18\uba74, \uafb8\uc900\ud788 \uc2e0\uc6a9\uce74\ub4dc \uc0ac\uc6a9 \ud6c4 \uc801\uc2dc\uc5d0 \ub300\uae08\uc744 \uacb0\uc81c\ud558\ub294 B\uc528\ub294 30\ub300 \ucd08\uc785\uc5d0 \uc774\ub974\uba74\uc11c \uc548\uc815\uc801\uc778 \uc2e0\uc6a9\uc810\uc218\ub97c \uc720\uc9c0\ud558\uc5ec \ub0ae\uc740 \uae08\ub9ac\uc758 \ub300\ucd9c \ud61c\ud0dd\uc744 \ubc1b\uace0 \uc788\ub294 \uc0ac\ub840\uac00 \ub300\ud45c\uc801\uc785\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c, \ucd5c\uadfc \ud1b5\uacc4 \uc790\ub8cc\uc5d0 \ub530\ub974\uba74 \ud3c9\uade0 \uc2e0\uc6a9\uc810\uc218\uac00 700\uc810\uc744 \ub118\ub294 \uc0ac\ub78c\ub4e4\uc740 \uae08\uc735 \uae30\uad00\uc73c\ub85c\ubd80\ud130 \uc57d 20% \uc774\uc0c1\uc758 \ub300\ucd9c \uc774\uc790 \uc6b0\ub300\ub97c \ubc1b\ub294 \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud1b5\uacc4\ub294 \uc2e0\uc6a9\uc810\uc218\ub97c \uac1c\uc120\ud558\ub294 \uac83\uc774 \ub2e8\uc21c\ud788 \u2018\uc88b\uc740 \uc22b\uc790\u2019\ub97c \ub9cc\ub4dc\ub294 \ubb38\uc81c\uac00 \uc544\ub2c8\ub77c, \uc2e4\uc81c \uacbd\uc81c\uc801 \ud61c\ud0dd\uacfc \uae4a\uc740 \uc5f0\uad00\uc774 \uc788\uc74c\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4. \ub530\ub77c\uc11c 30\ub300 \uc774\uc804\uc5d0 \uccb4\uacc4\uc801\uc778 \uc2e0\uc6a9 \uad00\ub9ac\uc640 \uc7ac\ud14c\ud06c \uc804\ub7b5\uc744 \ub9c8\ub828\ud558\ub294 \uac83\uc774 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc2e0\uc6a9 \uad00\ub9ac\uc640 \uc7ac\ud14c\ud06c\uc758 \uae30\ucd08\ub97c \ub2e4\uc9c0\ub294 \uccab \uac78\uc74c\uc740 \ubcf8\uc778\uc758 \uc2e0\uc6a9 \uc815\ubcf4 \ud655\uc778 \ubc0f \ubd84\uc11d\uc785\ub2c8\ub2e4. \ud55c\uad6d\uc2e0\uc6a9\uc815\ubcf4\uc6d0\uc774\ub098 \uac01 \uae08\uc735\uae30\uad00\uc5d0\uc11c\ub294 \uac1c\uc778 \uc2e0\uc6a9\uc815\ubcf4 \ubcf4\uace0\uc11c\ub97c \uc81c\uacf5\ud558\uace0 \uc788\uc73c\uba70, \uc774\ub97c \ud1b5\ud574 \uc790\uc2e0\uc758 \uc2e0\uc6a9 \uc0c1\ud0dc\ub97c \uc810\uac80\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \ub2e4\uc591\ud55c \ubaa8\ubc14\uc77c \uc571\uacfc \uc6f9\uc0ac\uc774\ud2b8\ub97c \ud1b5\ud574 \uc190\uc27d\uac8c \uc2e0\uc6a9 \uc815\ubcf4\ub97c \uad00\ub9ac\ud560 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud558\uace0 \uc788\uc5b4, \ub204\uad6c\ub098 \uc790\uc2e0\uc758 \uc7ac\ubb34 \uc0c1\ud0dc\ub97c \uccb4\uacc4\uc801\uc73c\ub85c \uad00\ub9ac\ud560 \uc218 \uc788\ub294 \ud658\uacbd\uc774 \ub9c8\ub828\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc2e0\uc6a9\uc810\uc218\ub97c \ub192\uc774\uae30 \uc704\ud55c \uad6c\uccb4\uc801\uc778 \ubc29\ubc95\uc5d0\ub294 \uc5ec\ub7ec \uac00\uc9c0\uac00 \uc788\uc73c\uba70, \uc6b0\uc120 \uae30\ubcf8\uc801\uc73c\ub85c \ubaa8\ub4e0 \uae08\uc735 \uac70\ub798\uc5d0\uc11c \uc131\uc2e4\ud55c \uc0c1\ud658 \uc774\ub825\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc7a5\uae30\uc801\uc778 \ubaa9\ud45c\ub97c \uac00\uc9c4 \uae08\uc735 \uac70\ub798\uc5d0\uc11c \uc18c\uc561\uc774\ub77c\ub3c4 \uafb8\uc900\ud55c \uc0c1\ud658\uc744 \uc774\uc5b4\uac04\ub2e4\uba74, \uc2e0\uc6a9\uc810\uc218\uc758 \uc810\uc9c4\uc801\uc778 \uc0c1\uc2b9\uc744 \uae30\ub300\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\uc5d0 \ub300\ud55c \uad6c\uccb4\uc801\uc778 \uc0ac\ub840\ub294 \uc5ec\ub7ec \uae08\uc735 \uad50\uc721 \uc790\ub8cc\uc640 \uc138\ubbf8\ub098\uc5d0\uc11c \uc18c\uac1c\ub418\uace0 \uc788\uc73c\uba70, \uae08\uc735 \uc804\ubb38\uac00\ub4e4\uc740 \uc774\ub97c \u2018\uc131\uc2e4\uc758 \ud798\u2019\uc774\ub77c\uace0 \uce6d\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub610 \ub2e4\ub978 \uc911\uc694\ud55c \uc694\uc18c\ub294 \uc2e0\uc6a9\uce74\ub4dc\uc758 \uc0ac\uc6a9 \ud328\ud134\uc785\ub2c8\ub2e4. \uc2e0\uc6a9\uce74\ub4dc\ub97c \uc0ac\uc6a9\ud560 \ub54c\ub294 \uacb0\uc81c\uc77c\uc744 \uc815\ud655\ud558\uac8c \uc9c0\ud0a4\uace0, \ud55c\ub3c4 \ub0b4\uc5d0\uc11c \uc0ac\uc6a9\ud558\ub294 \uac83\uc774 \uae30\ubcf8\uc785\ub2c8\ub2e4. \ub9cc\uc57d \uc2e0\uc6a9\uce74\ub4dc\ub97c \uacfc\ub3c4\ud558\uac8c \uc0ac\uc6a9\ud558\uba74, \uc2e0\uc6a9\uc810\uc218\uc5d0 \ubd80\uc815\uc801\uc778 \uc601\ud5a5\uc744 \uc904 \uc218 \uc788\uae30 \ub54c\ubb38\uc5d0, \uac1c\uc778\uc758 \uc18c\ube44 \ud328\ud134\uc744 \uba74\ubc00\ud788 \ubd84\uc11d\ud558\uace0 \uacc4\ud68d\ud558\ub294 \uac83\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \ucd5c\uadfc \uc870\uc0ac\uc5d0 \uc758\ud558\uba74, \uc18c\ube44 \uc2b5\uad00\uc744 \uccb4\uacc4\uc801\uc73c\ub85c \uad00\ub9ac\ud558\ub294 \uc0ac\ub78c\ub4e4\uc740 \uae08\uc735 \uc18c\ube44\uc5d0\uc11c \uc6b0\uc704\ub97c \uc810\ud558\uba70, \uc774\ub294 \uc2e0\uc6a9\uc810\uc218 \uac1c\uc120\uc5d0\ub3c4 \uc9c1\uc811\uc801\uc778 \ub3c4\uc6c0\uc774 \ub418\ub294 \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc7ac\ud14c\ud06c\uc758 \uae30\ucd08\ub294 \ub2e8\uc21c\ud788 \uc2e0\uc6a9\uc810\uc218\ub97c \uc62c\ub9ac\ub294 \ub370 \uadf8\uce58\uc9c0 \uc54a\uace0, \uc804\ubc18\uc801\uc778 \uae08\uc735 \uac74\uc804\uc131 \uc720\uc9c0\uc640 \ubc00\uc811\ud55c \uad00\ub828\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc77c\uc815 \uae08\uc561 \uc774\uc0c1 \uc800\ucd95\uc744 \uc720\uc9c0\ud558\uac70\ub098, \uc18c\ube44 \ud328\ud134\uc744 \ubd84\uc11d\ud558\uc5ec \ubd88\ud544\uc694\ud55c \uc9c0\ucd9c\uc744 \uc904\uc774\ub294 \ub4f1\uc758 \uc2b5\uad00\uc740 \uc7a5\uae30\uc801\uc73c\ub85c \uc2e0\uc6a9\ubfd0 \uc544\ub2c8\ub77c \uc790\uc0b0 \ud615\uc131\uc5d0\ub3c4 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc2b5\uad00\uc774 \uacb0\uacfc\uc801\uc73c\ub85c\ub294 \ub354 \ub0ae\uc740 \uc774\uc790\uc728, \ub192\uc740 \ud55c\ub3c4\uc758 \ub300\ucd9c, \uadf8\ub9ac\uace0 \ub2e4\uc591\ud55c \uae08\uc735 \uc0c1\ud488\uc5d0 \ub300\ud55c \uc6b0\ub300 \ud61c\ud0dd\uc73c\ub85c \uc774\uc5b4\uc9c0\uac8c \ub429\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uc2e0\uc6a9\uc810\uc218\uc640 \uc7ac\ud14c\ud06c \uae30\ucd08\uc5d0 \ub300\ud55c \uc774\ud574\ub294 \ub2e8\uc21c\ud788 \uc774\ub860\uc801 \uc9c0\uc2dd\uc5d0 \uba38\ubb34\ub974\uc9c0 \uc54a\uace0, \uc2e4\uc0dd\ud65c\uc758 \ub2e4\uc591\ud55c \uc0ac\ub840\ub97c \ud1b5\ud574 \uc785\uc99d\ub429\ub2c8\ub2e4. \uae08\uc735 \uc704\uae30\ub098 \uacbd\uc81c \ubd88\ud669 \uc2dc\uae30\uc5d0\ub3c4 \uc548\uc815\uc801\uc778 \uc2e0\uc6a9 \uc0c1\ud0dc\ub97c \uc720\uc9c0\ud588\ub358 \uac1c\uc778\ub4e4\uc740 \uc0c1\ub300\uc801\uc73c\ub85c \ube60\ub974\uac8c \ud68c\ubcf5\ud558\uace0, \uae08\uc735 \uae30\uad00\uacfc\uc758 \uc2e0\ub8b0\ub97c \ubc14\ud0d5\uc73c\ub85c \ub2e4\uc2dc\uae08 \ud22c\uc790 \uae30\ud68c\ub97c \ud655\ub300\ud55c \ubc14 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc0ac\ub840\ub294 \uc2e0\uc6a9 \uad00\ub9ac\uac00 \ub2e8\uae30\uc801\uc778 \uc774\uc775\ubfd0 \uc544\ub2c8\ub77c, \uc7a5\uae30\uc801\uc778 \uacbd\uc81c\uc801 \uc548\uc815\uacfc\ub3c4 \uc9c1\uacb0\ub41c\ub2e4\ub294 \uac83\uc744 \uba85\ud655\ud558\uac8c \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.<\/p>\n<p>\uc885\ud569\ud558\uba74, \uc2e0\uc6a9\uc810\uc218\ub294 \uc7ac\ud14c\ud06c\uc758 \uc785\uad6c\uc774\uc790, \uc7a5\uae30\uc801\uc778 \uae08\uc735 \uc0dd\ud65c\uc758 \uae30\ucd08\ub97c \ub2e4\uc9c0\ub294 \uc911\uc694\ud55c \uc694\uc18c\uc785\ub2c8\ub2e4. 30\ub300 \uc774\uc804\uc5d0 \uccb4\uacc4\uc801\uc778 \uc2e0\uc6a9 \uad00\ub9ac \uc2b5\uad00\uc744 \ud615\uc131\ud558\uace0, \uc774\ub97c \uae30\ubc18\uc73c\ub85c \uc7ac\ud14c\ud06c \uc804\ub7b5\uc744 \uc218\ub9bd\ud558\ub294 \uac83\uc740 \ubbf8\ub798\uc758 \uc548\uc815\uc801\uc778 \uacbd\uc81c\uc0dd\ud65c\uc744 \uc704\ud55c \ud544\uc218 \uc870\uac74\uc784\uc774 \ubd84\uba85\ud569\ub2c8\ub2e4. \uc55e\uc73c\ub85c\uc758 \uc139\uc158\uc5d0\uc11c\ub294 \uc774\ub7ec\ud55c \uc2e0\uc6a9 \uad00\ub9ac \ubc29\ubc95\uc758 \uc138\ubd80 \uc804\ub7b5\uacfc, \uc774\ub97c \ud6a8\uacfc\uc801\uc73c\ub85c \ud65c\uc6a9\ud558\ub294 \ud22c\uc790 \uae30\ubc95\uc5d0 \ub300\ud574 \uc2ec\ub3c4 \uc788\uac8c \ub2e4\ub8e8\ub3c4\ub85d \ud558\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubcf8 \uc139\uc158\uc5d0\uc11c \ub2e4\ub8ec \uc2e0\uc6a9 \uad00\ub9ac\uc758 \uae30\ubcf8 \uc6d0\uce59\uc740 \ubaa8\ub4e0 \uae08\uc735 \uc0dd\ud65c\uc758 \ucd9c\ubc1c\uc810\uc774\ub77c \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uac01\uc885 \uae08\uc735 \uc0c1\ud488 \ubc0f \ud22c\uc790 \uae30\ud68c\ub97c \ud65c\uc6a9\ud558\uae30 \uc704\ud574\uc11c\ub294 \uba3c\uc800 \uc790\uc2e0\uc758 \uc7ac\ubb34 \uc0c1\ud0dc\ub97c \uc815\ud655\ud788 \ud30c\uc545\ud558\uace0, \uc774\ub97c \uac1c\uc120\ud558\uae30 \uc704\ud55c \uad6c\uccb4\uc801\uc778 \uacc4\ud68d\uc744 \uc138\uc6cc\uc57c \ud569\ub2c8\ub2e4. \uc2e0\uc6a9\uc810\uc218\ub294 \ub2e8\uc21c\ud55c \uc218\uce58 \uc774\uc0c1\uc758 \uc758\ubbf8\ub97c \uac16\ub294 \ub9cc\ud07c, \uc800\ub9c8\ub2e4 \ub9de\ub294 \uad00\ub9ac \ubc29\ubc95\uacfc \uac1c\uc120 \uc804\ub7b5\uc744 \ub9c8\ub828\ud558\uc5ec \uc2e4\ud589\uc5d0 \uc62e\uae30\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n<h2 id=\"2-%ec%8b%a0%ec%9a%a9%ec%a0%90%ec%88%98-%ed%96%a5%ec%83%81%ec%9d%84-%ec%9c%84%ed%95%9c-%ec%83%9d%ed%99%9c%ec%8a%b5%ea%b4%80%ea%b3%bc-%ec%9e%ac%ec%a0%95-%ea%b4%80%eb%a6%ac-%ec%a0%84%eb%9e%b5-zmNtLKMaWo\">2. \uc2e0\uc6a9\uc810\uc218 \ud5a5\uc0c1\uc744 \uc704\ud55c \uc0dd\ud65c\uc2b5\uad00\uacfc \uc7ac\uc815 \uad00\ub9ac \uc804\ub7b5<\/h2>\n<p>\uc2e0\uc6a9\uc810\uc218\ub97c \uac1c\uc120\ud558\uae30 \uc704\ud55c \uccab \ubc88\uc9f8 \ub2e8\uacc4\ub294 \uc77c\uc0c1 \uc0dd\ud65c \uc18d\uc5d0\uc11c \ucca0\uc800\ud55c \uc7ac\uc815 \uad00\ub9ac\uc640 \uc62c\ubc14\ub978 \uc18c\ube44 \uc2b5\uad00\uc744 \ud615\uc131\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. 20\ub300\uc640 30\ub300 \ucd08\ubc18\uc740 \ube44\uad50\uc801 \uc7ac\uc815 \uad00\ub9ac\uc758 \uae30\ucd08\ub97c \ub2e4\uc9c8 \uc218 \uc788\ub294 \uc2dc\uae30\ub85c \uc54c\ub824\uc838 \uc788\uc73c\uba70, \uc774 \uc2dc\uae30\uc758 \uc2b5\uad00\uc774 \uc624\ub79c \uae30\uac04\uc5d0 \uac78\uccd0 \uc2e0\uc6a9 \uc0c1\ud0dc\uc5d0 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4. \uae08\uc735 \uc804\ubb38\uac00\ub4e4\uc740 \uc774 \uc2dc\uae30\ub97c \u2018\uc7ac\uc815 \uad00\ub9ac\uc758 \ud669\uae08\uae30\u2019\ub85c \uce6d\ud558\uba70, \uccb4\uacc4\uc801\uc778 \uc18c\ube44 \uad00\ub9ac\uc640 \uc800\ucd95 \uc2b5\uad00 \ud615\uc131\uc774 \uc7a5\uae30\uc801\uc778 \uc7ac\ud14c\ud06c \uc131\uacf5\uc758 \ubc11\uac70\ub984\uc774 \ub41c\ub2e4\uace0 \uc124\uba85\ud569\ub2c8\ub2e4.<\/p>\n<p>\uccab\uc9f8, \uc2e0\uc6a9\uce74\ub4dc \uacb0\uc81c\uc640 \uad00\ub828\ud55c \uc0dd\ud65c \uc2b5\uad00 \uac1c\uc120\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc774 \ud3b8\ub9ac\ud568\uc5d0 \ub208\uc774 \uba40\uc5b4 \uc2e0\uc6a9\uce74\ub4dc \uc0ac\uc6a9\uc744 \uacfc\ub3c4\ud558\uac8c \ud558\ub294 \uacbd\uc6b0\uac00 \ube48\ubc88\ud558\uc9c0\ub9cc, \uc62c\ubc14\ub978 \uc0ac\uc6a9 \uc2b5\uad00\uc740 \uc2e0\uc6a9\uc810\uc218 \uac1c\uc120\uc5d0 \uc9c1\uc811\uc801\uc778 \uc601\ud5a5\uc744 \uc90d\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ub9e4\uc6d4 \uacb0\uc81c\uc77c \uc804\uc5d0 \uc794\uc561\uc744 \uc644\uc804\ud788 \uc0c1\ud658\ud558\ub294 \uc2b5\uad00\uc774 \ud615\uc131\ub418\uba74, \uc5f0\uccb4 \uc704\ud5d8\uc744 \ud53c\ud558\ub294 \ub3d9\uc2dc\uc5d0 \uc790\uc2e0\uc758 \uc2e0\uc6a9\ub3c4\ub97c \uc548\uc815\uc801\uc73c\ub85c \uc720\uc9c0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c \uc870\uc0ac \uacb0\uacfc, \uacb0\uc81c\uc77c\uc744 \ud55c\ub450 \uc77c \uc77c\ucc0d \ub9de\ucd94\ub294 \uc18c\ube44\uc790\ub4e4\uc774 \uadf8\ub807\uc9c0 \uc54a\uc740 \uc18c\ube44\uc790\ubcf4\ub2e4 \ud3c9\uade0 \uc2e0\uc6a9\uc810\uc218\uac00 50\uc810 \uc774\uc0c1 \ub192\uac8c \ub098\ud0c0\ub09c \uc0ac\ub840\uac00 \ubcf4\uace0\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub458\uc9f8, \uc815\uae30\uc801\uc778 \uc7ac\uc815 \uc810\uac80\uacfc \uc608\uc0b0 \uad00\ub9ac\ub294 \uc2e0\uc6a9 \uad00\ub9ac\uc758 \ub610 \ub2e4\ub978 \ud575\uc2ec \uc694\uc18c\uc785\ub2c8\ub2e4. \uc0dd\ud65c\ube44, \ub300\ucd9c \uc0c1\ud658, \uc800\ucd95 \ubc0f \ud22c\uc790\ub97c \uc704\ud55c \uc790\uae08 \ud750\ub984\uc744 \uccb4\uacc4\uc801\uc73c\ub85c \ubd84\uc11d\ud558\uace0 \uac1c\uc120\ud558\ub294 \uc2b5\uad00\uc740 \uc2e0\uc6a9 \uc0c1\ud0dc \uac1c\uc120\ubfd0 \uc544\ub2c8\ub77c \uc804\ubc18\uc801\uc778 \uae08\uc735 \uac74\uc804\uc131\uc5d0\ub3c4 \ud070 \uae0d\uc815\uc801 \uc601\ud5a5\uc744 \uc90d\ub2c8\ub2e4. \uc774\ub97c \uc704\ud574 \ub9e4\ub2ec \ud639\uc740 \ubd84\uae30\ubcc4\ub85c \uc790\uc2e0\uc758 \uc218\uc785\uacfc \uc9c0\ucd9c\uc744 \uba74\ubc00\ud788 \uc7ac\uac80\ud1a0\ud558\uace0, \ubd88\ud544\uc694\ud55c \uc18c\ube44 \ud56d\ubaa9\uc744 \uc904\uc774\ub294 \ub178\ub825\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \ub9ce\uc740 \uc7ac\ubb34 \ucee8\uc124\ud134\ud2b8\ub4e4\uc740 \uac00\uacc4\ubd80 \uc791\uc131\uacfc \ubaa8\ubc14\uc77c \uae08\uc735 \uc571 \ud65c\uc6a9\uc744 \uad8c\uc7a5\ud558\uba70, \uc774\ub97c \ud1b5\ud574 \uc18c\ube44 \ud328\ud134\uc744 \uc138\ubc00\ud558\uac8c \uad00\ub9ac\ud560 \uc218 \uc788\ub2e4\uace0 \uc870\uc5b8\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc14b\uc9f8, \uc18c\uc561 \ub300\ucd9c\uc774\ub098 \uc2e0\uc6a9\uce74\ub4dc \ud55c\ub3c4 \uad00\ub9ac \uc5ed\uc2dc \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. \uae08\uc735\uae30\uad00\uc5d0\uc11c\ub294 \uc2e0\uc6a9\uce74\ub4dc\uc758 \uc0ac\uc6a9\ub960\uc774 30%\ub97c \ub118\uc9c0 \uc54a\ub3c4\ub85d \uad8c\uc7a5\ud558\ub294\ub370, \uc774\ub294 \uacfc\ub3c4\ud55c \ubd80\ucc44 \ubd80\ub2f4\uc774 \uc2e0\uc6a9\uc810\uc218 \ud558\ub77d\uc5d0 \uc9c1\uc811\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce58\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \ub9cc\uc57d \ud55c\ub3c4\ub97c \ucd08\uacfc\ud558\uac70\ub098 \uc7a6\uc740 \ud55c\ub3c4 \ucd08\uacfc \uc0ac\uc6a9\uc740 \uae08\uc735 \uac70\ub798 \uc2dc \ubd80\uc815\uc801 \uc694\uc18c\ub85c \uc791\uc6a9\ud560 \uc218 \uc788\uc73c\uba70, \uacb0\uacfc\uc801\uc73c\ub85c \ub300\ucd9c \uc2ec\uc0ac \uacfc\uc815\uc5d0\uc11c \ubd88\uc774\uc775\uc744 \ucd08\ub798\ud569\ub2c8\ub2e4. \uc774\ub97c \ubc29\uc9c0\ud558\uae30 \uc704\ud574 \uc18c\ube44\uc790\ub4e4\uc740 \uc774\uc6a9\ud55c \ud55c\ub3c4 \ub300\ube44 \uc2e4\uc81c \uacb0\uc81c \uae08\uc561\uc744 \uaf3c\uaf3c\ud788 \ud655\uc778\ud558\uace0, \uacc4\ud68d\uc801\uc778 \uc18c\ube44\ub97c \uc2e4\ucc9c\ud558\ub294 \uac83\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub137\uc9f8, \uc815\uae30\uc801\uc778 \uae08\uc735 \uad50\uc721 \ubc0f \uc0c1\ub2f4 \ucc38\uc5ec\ub3c4 \uc2e0\uc6a9 \uac1c\uc120\uc5d0 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \uac01\uc885 \uae08\uc735 \uad50\uc721 \ud504\ub85c\uadf8\ub7a8\uc774\ub098 \uc138\ubbf8\ub098, \uadf8\ub9ac\uace0 \uc740\ud589\uc5d0\uc11c \uc81c\uacf5\ud558\ub294 \uc2e0\uc6a9 \ucee8\uc124\ud305 \uc11c\ube44\uc2a4\ub294 \ucd5c\uc2e0 \uae08\uc735 \ud2b8\ub80c\ub4dc\uc640 \uc2e0\uc6a9 \uac1c\uc120 \uc804\ub7b5\uc5d0 \ub300\ud574 \uc0c1\uc138\ud788 \uc548\ub0b4\ud574 \uc90d\ub2c8\ub2e4. \uc2e4\uc81c\ub85c, \uc774\ub7ec\ud55c \uad50\uc721 \ud504\ub85c\uadf8\ub7a8\uc5d0 \ucc38\uc5ec\ud55c \uc0ac\ub78c\ub4e4\uc740 \uc790\uc2e0\uc758 \uc7ac\uc815 \uc0c1\ud0dc\ub97c \ubcf4\ub2e4 \uba85\ud655\ud788 \uc778\uc2dd\ud558\uac8c \ub418\uc5b4, \ubd88\ud544\uc694\ud55c \uc9c0\ucd9c\uc744 \uc904\uc774\uace0 \uacc4\ud68d\uc801\uc778 \uc800\ucd95 \ubc0f \ud22c\uc790\ub97c \uc2e4\ucc9c\ud558\ub294 \uc0ac\ub840\uac00 \ub2e4\uc218 \ubcf4\uace0\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub2e4\uc12f\uc9f8, \uc18c\ube44 \uacc4\ud68d\uc744 \uc218\ub9bd\ud560 \ub54c\ub294 \ub2e8\uae30\uac04\uc758 \uc774\uc775\ubcf4\ub2e4 \uc7a5\uae30\uc801\uc778 \uc7ac\ud14c\ud06c \ubaa9\ud45c\ub97c \uc6b0\uc120\uc2dc\ud574\uc57c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ucd5c\uc2e0 \uc18c\ube44 \ud2b8\ub80c\ub4dc\ub098 \ud560\uc778 \ud61c\ud0dd\uc5d0\ub9cc \uc9d1\uc911\ud558\uc9c0 \uc54a\uace0, \uc790\uc2e0\uc758 \uc7ac\uc815 \uc0c1\ud0dc\ub97c \uace0\ub824\ud558\uc5ec \ud544\uc694\ud55c \uacbd\uc6b0 \uc2e0\uc6a9\uce74\ub4dc\uc758 \uc0ac\uc6a9\uc744 \uc790\uc81c\ud558\uace0 \ud604\uae08 \uac70\ub798\ub97c \uc120\ud638\ud558\ub294 \ub4f1\uc758 \uc804\ub7b5\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc18c\ube44 \uc2b5\uad00\uc758 \ubcc0\ud654\ub294 \ub2e8\uc21c\ud55c \ube44\uc6a9 \uc808\uac10\uc5d0 \uadf8\uce58\uc9c0 \uc54a\uace0, \uc7a5\uae30\uc801\uc73c\ub85c \uc2e0\uc6a9\uc810\uc218\ub97c \uc548\uc815\uc801\uc73c\ub85c \uc720\uc9c0\ud558\ub294 \ub370 \ud070 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4.<\/p>\n<p>\uc5ec\uc12f\uc9f8, \uc2e0\uc6a9\uc810\uc218 \uac1c\uc120\uc744 \uc704\ud55c \uad6c\uccb4\uc801\uc778 \ud589\ub3d9 \uacc4\ud68d\uc5d0\ub294 \uae08\uc735 \uac70\ub798 \ub0b4\uc5ed\uc758 \uc815\ub9ac\uc640 \uc8fc\uae30\uc801\uc778 \uc2e0\uc6a9\uc815\ubcf4 \ud655\uc778\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ub9e4\uc6d4 \ub9d0 \uc740\ud589 \ubc0f \uce74\ub4dc\uc0ac\uc5d0\uc11c \ubc1c\uc1a1\ud558\ub294 \uac70\ub798 \uba85\uc138\uc11c\ub97c \uaf3c\uaf3c\ud558\uac8c \uac80\ud1a0\ud558\uace0, \uc774\uc0c1 \uac70\ub798\uac00 \uc788\ub294 \uacbd\uc6b0 \uc989\uc2dc \uc870\uce58\ud558\ub294 \uc2b5\uad00\uc744 \ub4e4\uc774\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uad00\ub9ac \ubc29\ubc95\uc740 \uac1c\uc778\uc758 \uc2e0\uc6a9 \uae30\ub85d\uc5d0 \ubc1c\uc0dd\ud560 \uc218 \uc788\ub294 \uc624\ub958\ub098 \ubd80\uc815\ud655\ud55c \uc815\ubcf4\ub97c \uc0ac\uc804\uc5d0 \uad50\uc815\ud558\ub294 \ud6a8\uacfc\uac00 \uc788\uc5b4, \uc7a5\uae30\uc801\uc73c\ub85c \uc2e0\uc6a9\uc810\uc218 \uac1c\uc120\uc5d0 \uae0d\uc815\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4.<\/p>\n<p>\uc77c\uacf1\uc9f8, \uc2e0\uc6a9\uc810\uc218 \uad00\ub9ac\uc5d0\ub294 \uac00\uc871 \uad6c\uc131\uc6d0 \uac04\uc758 \uacf5\ub3d9 \uc7ac\ubb34 \uad00\ub9ac\ub3c4 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \ubd80\ubd80\ub098 \ubd80\ubaa8\uc640 \uc790\ub140 \uac04\uc758 \uc7ac\ubb34 \uacf5\uc720 \ubc0f \uc0c1\ud638 \uc9c0\uc6d0 \uad6c\uc870\ub294 \uac1c\ubcc4\uc801\uc778 \uc2e0\uc6a9 \uad00\ub9ac\ubcf4\ub2e4 \ud6e8\uc52c \uccb4\uacc4\uc801\uc778 \uc790\uc0b0\uad00\ub9ac\ub97c \uac00\ub2a5\ud558\uac8c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uac00\uc871 \uad6c\uc131\uc6d0\uc774 \uacf5\ub3d9 \uacc4\uc88c\ub97c \ud1b5\ud574 \uc77c\uc815 \uae08\uc561\uc758 \uc608\uc0b0\uc744 \uc124\uc815\ud558\uace0, \uadf8 \uc608\uc0b0 \ub0b4\uc5d0\uc11c \uc18c\ube44\ub97c \uc81c\ud55c\ud558\ub294 \ubc29\uc2dd\uc740 \ub2e8\uc21c\ud788 \uac1c\uc778\uc758 \uc18c\ube44 \uc2b5\uad00 \uac1c\uc120\ubfd0 \uc544\ub2c8\ub77c \uac00\uacc4 \uc804\ubc18\uc758 \uac74\uc804\ud55c \uae08\uc735 \uc2b5\uad00 \ud615\uc131\uc5d0\ub3c4 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<p>\uc5ec\ub35f\uc9f8, \uae08\uc735 \uc2dc\uc7a5\uc758 \ucd5c\uc2e0 \ub3d9\ud5a5\uacfc \uae08\uc735 \uc0c1\ud488\uc758 \ubcc0\ud654\uc5d0 \uadc0 \uae30\uc6b8\uc774\ub294 \uac83\ub3c4 \uc911\uc694\ud569\ub2c8\ub2e4. \ucd5c\uadfc \uba87 \ub144\uac04 \ud540\ud14c\ud06c \uae30\uc220\uc758 \ubc1c\uc804\uacfc \ud568\uaed8 \uae08\uc735 \uc0c1\ud488\uc758 \ub2e4\uc591\ud654\uac00 \uc774\ub8e8\uc5b4\uc9c0\uace0 \uc788\uc73c\uba70, \uc774\uc5d0 \ub530\ub77c \uc2e0\uc6a9 \uad00\ub9ac \ubc29\ubc95 \uc5ed\uc2dc \ube60\ub974\uac8c \ubcc0\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc778\uacf5\uc9c0\ub2a5 \uae30\ubc18\uc758 \uc2e0\uc6a9 \uad00\ub9ac \uc194\ub8e8\uc158\uc774\ub098 \ube45\ub370\uc774\ud130 \ubd84\uc11d\uc744 \ud1b5\ud55c \uac1c\uc778 \ub9de\ucda4 \uae08\uc735 \ucee8\uc124\ud305 \uc11c\ube44\uc2a4\uac00 \ub4f1\uc7a5\ud558\uba74\uc11c, \uc774\uc804\ubcf4\ub2e4 \ub354 \uccb4\uacc4\uc801\uc774\uace0 \uc815\ubc00\ud55c \uc2e0\uc6a9 \uad00\ub9ac\uac00 \uac00\ub2a5\ud574\uc84c\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ucd5c\uc2e0 \ub3d9\ud5a5\uc5d0 \ubc1c\ub9de\ucdb0 \uac1c\uc778 \uc7ac\uc815 \uad00\ub9ac \uc804\ub7b5\ub3c4 \uc9c0\uc18d\uc801\uc73c\ub85c \uc5c5\ub370\uc774\ud2b8\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\uc544\ud649\uc9f8, \uc2e0\uc6a9\uc810\uc218 \ud5a5\uc0c1\uc744 \uc704\ud55c \uc0dd\ud65c\uc2b5\uad00\uc740 \ub2e8\uae30\uc801\uc778 \uac1c\uc120\uc744 \ubaa9\uc801\uc73c\ub85c \ud558\uae30\ubcf4\ub2e4\ub294, \ud3c9\uc0dd\uc5d0 \uac78\uce5c \uae08\uc735 \uac74\uc804\uc131 \uc720\uc9c0\ub97c \ubaa9\ud45c\ub85c \uc0bc\uc544\uc57c \ud569\ub2c8\ub2e4. \uc774\ub294 \ub2e8 \ud55c \ubc88\uc758 \uc131\uacfc\ubcf4\ub2e4\ub294 \uafb8\uc900\ud55c \uad00\ub9ac\uc640 \uc810\uc9c4\uc801 \uac1c\uc120\uc744 \ud1b5\ud574 \uc774\ub8e8\uc5b4\uc9c0\ub294 \uacb0\uacfc\ub85c, \uc624\ub79c \uae30\uac04\uc5d0 \uac78\uccd0 \uccb4\uacc4\uc801\uc73c\ub85c \ucd94\uc9c4\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4. \uc77c\ubc18\uc801\uc73c\ub85c, \ub2e8\uae30\uac04 \ub0b4 \uae09\uaca9\ud558\uac8c \uc2e0\uc6a9\uc810\uc218\ub97c \uac1c\uc120\ud558\uae30\ubcf4\ub2e4\ub294, \uc791\uc740 \uc2b5\uad00\uc758 \ubcc0\ud654\ub4e4\uc774 \ucd95\uc801\ub418\uc5b4 \uc7a5\uae30\uac04\uc5d0 \uac78\uccd0 \uae0d\uc815\uc801\uc778 \uacb0\uacfc\ub97c \ub3c4\ucd9c\ud55c\ub2e4\ub294 \uc810\uc744 \uba85\uc2ec\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\uc5f4\uc9f8, \ub9c8\uc9c0\ub9c9\uc73c\ub85c \uc2e0\uc6a9\uc810\uc218 \uad00\ub9ac\uc640 \uc7ac\uc815 \uc804\ub7b5\uc740 \uac1c\uc778\uc758 \uc0dd\ud65c\ud658\uacbd\uacfc \ubaa9\ud45c\uc5d0 \ub530\ub77c \ub9de\ucda4\ud615\uc73c\ub85c \uc811\uadfc\ud574\uc57c \ud569\ub2c8\ub2e4. \uac01 \uac1c\uc778\uc740 \uc800\ub9c8\ub2e4\uc758 \uc218\uc785, \uc9c0\ucd9c, \uadf8\ub9ac\uace0 \ubbf8\ub798 \uacc4\ud68d\uc774 \ub2e4\ub974\uae30 \ub54c\ubb38\uc5d0, \ub3d9\uc77c\ud55c \ubc29\ubc95\ubcf4\ub2e4\ub294 \uc790\uc2e0\uc758 \uc0c1\ud669\uc5d0 \ubd80\ud569\ud558\ub294 \uc804\ub7b5\uc744 \uc218\ub9bd\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc774\ub97c \uc704\ud574 \uae08\uc735 \uc804\ubb38\uac00\ub098 \uc7ac\ubb34 \uc0c1\ub2f4\uc0ac\uc758 \ub3c4\uc6c0\uc744 \ubc1b\ub294 \uac83\ub3c4 \uc88b\uc740 \ubc29\ubc95\uc774\uba70, \ub9de\ucda4\ud615 \uae08\uc735 \uacc4\ud68d\uc744 \uc218\ub9bd\ud558\ub294 \ub370 \uc788\uc5b4 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<p>\uc885\ud569\uc801\uc73c\ub85c \ubcfc \ub54c, \uc2e0\uc6a9\uc810\uc218 \ud5a5\uc0c1\uc744 \uc704\ud55c \ud6a8\uacfc\uc801\uc778 \uc0dd\ud65c\uc2b5\uad00\uacfc \uc7ac\uc815 \uad00\ub9ac \uc804\ub7b5\uc740 \ub2e8\uc21c\ud788 \uc2e0\uc6a9\uc815\ubcf4\ub97c \uad00\ub9ac\ud558\ub294 \ucc28\uc6d0\uc744 \ub118\uc5b4\uc11c, \uac1c\uc778\uc758 \uc804\ubc18\uc801\uc778 \uc7ac\ubb34 \uac74\uc804\uc131\uc744 \ud655\ubcf4\ud558\ub294 \ub370 \ud575\uc2ec\uc801\uc778 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uad00\ub9ac \ubc29\ubc95\uc740 \uc7a5\uae30\uc801\uc73c\ub85c \uc548\uc815\uc801\uc774\uace0 \uc9c0\uc18d \uac00\ub2a5\ud55c \uae08\uc735 \uc0dd\ud65c\uc744 \uac00\uc838\ub2e4 \uc904 \ubfd0 \uc544\ub2c8\ub77c, \ubbf8\ub798\uc758 \ub2e4\uc591\ud55c \ud22c\uc790 \uae30\ud68c\ub97c \ub9c8\ub828\ud558\ub294 \ub370 \uacb0\uc815\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4. \uc774\uc640 \uac19\uc774 30\ub300 \uc804\uc5d0 \uc2e0\uc6a9\uc810\uc218\ub97c \uccb4\uacc4\uc801\uc73c\ub85c \ud5a5\uc0c1\uc2dc\ud0a4\uace0 \uae08\uc735 \uad00\ub9ac \uc2b5\uad00\uc744 \ub9c8\ub828\ud558\ub294 \uac83\uc740 \uc7ac\ud14c\ud06c\uc758 \ud575\uc2ec\uc774\ub77c\uace0 \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h2 id=\"3-%ec%9c%b5%ed%86%b5%ec%84%b1-%ec%9e%88%eb%8a%94-%ec%9e%ac%ed%85%8c%ed%81%ac-%ea%b8%b0%ec%b4%88-%eb%8b%a4%ec%a7%80%ea%b8%b0%ec%99%80-%ed%88%ac%ec%9e%90-%ec%a0%84%eb%9e%b5-zmNtLKMaWo\">3. \uc735\ud1b5\uc131 \uc788\ub294 \uc7ac\ud14c\ud06c \uae30\ucd08 \ub2e4\uc9c0\uae30\uc640 \ud22c\uc790 \uc804\ub7b5<\/h2>\n<p>\uc7ac\ud14c\ud06c\uc758 \ud575\uc2ec\uc740 \ub2e8\ubc1c\uc801 \uae08\uc735 \uad00\ub9ac\uc5d0 \uba38\ubb34\ub974\uc9c0 \uc54a\uace0, \ubbf8\ub798\uc758 \ub2e4\uc591\ud55c \uacbd\uc81c \ubcc0\ud654\uc5d0 \uc720\uc5f0\ud558\uac8c \ub300\uc751\ud560 \uc218 \uc788\ub294 \ud22c\uc790 \uc804\ub7b5\uacfc \uc790\uc0b0 \uad00\ub9ac \uccb4\uacc4\ub97c \uc218\ub9bd\ud558\ub294 \ub370 \uc788\uc2b5\ub2c8\ub2e4. 30\ub300 \uc774\uc804\uc5d0 \ud2bc\ud2bc\ud55c \uc2e0\uc6a9 \uae30\ubc18\uc744 \ub9c8\ub828\ud558\uace0 \uc774\ub97c \ubc14\ud0d5\uc73c\ub85c \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\uc131\ud558\ub294 \uac83\uc740 \uc7a5\uae30\uc801\uc778 \ubd80\uc758 \ucd95\uc801\uc5d0 \uacb0\uc815\uc801 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uc774 \uc139\uc158\uc5d0\uc11c\ub294 \uc2e0\uc6a9\uc810\uc218\ub97c \uae30\ubc18\uc73c\ub85c \ud55c \uc735\ud1b5\uc131 \uc788\ub294 \uc7ac\ud14c\ud06c \uae30\ucd08 \ub2e4\uc9c0\uae30\uc640 \uc774\uc5d0 \ub530\ub978 \ub2e4\uc591\ud55c \ud22c\uc790 \uc804\ub7b5\uc5d0 \ub300\ud574 \uad6c\uccb4\uc801\uc73c\ub85c \ub2e4\ub8e8\uace0\uc790 \ud569\ub2c8\ub2e4.<\/p>\n<p>\uccab\uc9f8, \uc7ac\ud14c\ud06c\uc758 \uae30\ucd08\uc778 \uac74\uc804\ud55c \uc2e0\uc6a9 \uad00\ub9ac\uc640 \uc800\ucd95 \uc2b5\uad00\uc740 \ud22c\uc790 \uc131\uacf5\uc758 \ucd9c\ubc1c\uc810\uc785\ub2c8\ub2e4. \uc548\uc815\uc801\uc778 \uc2e0\uc6a9 \uae30\ubc18\uc744 \ub9c8\ub828\ud574 \ub454 \uac1c\uc778\ub4e4\uc740 \uae08\uc735\uae30\uad00\uc73c\ub85c\ubd80\ud130 \ub0ae\uc740 \uae08\ub9ac\uc758 \ub300\ucd9c\uc744 \ubc1b\uc744 \uc218 \uc788\uace0, \uc774\ub294 \ub2e4\uc591\ud55c \ud22c\uc790 \uae30\ud68c\ub97c \ud0d0\uc0c9\ud558\ub294 \ub370 \uc720\ub9ac\ud558\uac8c \uc791\uc6a9\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ubd80\ub3d9\uc0b0\uc774\ub098 \uc8fc\uc2dd \ud22c\uc790\uc640 \uac19\uc774 \ucd08\uae30 \uc790\ubcf8\uc774 \uc911\uc694\ud55c \ud22c\uc790 \ubd84\uc57c\uc5d0\uc11c, \ub0ae\uc740 \uc774\uc790\uc728\ub85c \uc790\uae08\uc744 \ub9c8\ub828\ud560 \uc218 \uc788\ub2e4\uba74 \ud22c\uc790 \ub9ac\uc2a4\ud06c\ub97c \ud6a8\uacfc\uc801\uc73c\ub85c \ubd84\uc0b0\uc2dc\ud0ac \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub458\uc9f8, \ud22c\uc790 \uc804\ub7b5 \uc218\ub9bd\uc5d0 \uc788\uc5b4\uc11c\ub294 \uc790\uc2e0\uc758 \uc7ac\uc815 \uc0c1\ud0dc\uc640 \uc2e0\uc6a9\ub3c4\ub97c \uace0\ub824\ud55c \ub9de\ucda4\ud615 \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131\uc758 \uc911\uc694\uc131\uc774 \ub300\ub450\ub429\ub2c8\ub2e4. \ud22c\uc790\uc790\ub4e4\uc740 \uae08\uc735 \uc2dc\uc7a5\uc758 \ubcc0\ud654\uc640 \uacbd\uc81c \ub3d9\ud5a5\uc744 \uc8fc\uc758 \uae4a\uac8c \ubaa8\ub2c8\ud130\ub9c1\ud558\uba74\uc11c, \uc704\ud5d8 \ubd84\uc0b0\uacfc \uc218\uc775 \uadf9\ub300\ud654\ub97c \ub3d9\uc2dc\uc5d0 \ucd94\uad6c\ud574\uc57c \ud569\ub2c8\ub2e4. \uc544\ub798\uc758 <\/p>\n<ul>\n<li>\uc548\uc815\ud615 \ud22c\uc790<\/li>\n<li>\uc131\uc7a5\ud615 \ud22c\uc790<\/li>\n<li>\ud63c\ud569\ud615 \ud22c\uc790<\/li>\n<li>\ub300\uccb4 \ud22c\uc790<\/li>\n<\/ul>\n<p>\uc640 \uac19\uc740 \ub2e4\uc591\ud55c \ud22c\uc790 \uc804\ub7b5\uacfc \uc0c1\ud488\ub4e4\uc774 \uc874\uc7ac\ud558\uba70, \uc774\ub4e4 \uac01\uac01\uc740 \uac1c\ubcc4 \ud22c\uc790\uc790\uc758 \uc0c1\ud669\uc5d0 \ub9de\uac8c \uc120\ud0dd\ub420 \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\uc591\ud55c \uae08\uc735 \uc0c1\ud488\uc5d0 \ub300\ud55c \uc2ec\ub3c4 \uc788\ub294 \ubd84\uc11d\uacfc \uc804\ubb38 \ud22c\uc790 \ucee8\uc124\ud134\ud2b8\uc758 \uc870\uc5b8\uc744 \ubc14\ud0d5\uc73c\ub85c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\uc131\ud558\uba74, \ub2e8\uae30\uc801\uc778 \ubcc0\ub3d9\uc131\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc7a5\uae30\uc801\uc778 \uc218\uc775\ub960\uc744 \uc548\uc815\uc801\uc73c\ub85c \ub3c4\ubaa8\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc14b\uc9f8, \ucd5c\uadfc \uae08\uc735 \uc2dc\uc7a5\uc5d0\uc11c\ub294 \ud540\ud14c\ud06c \uae30\uc220\uacfc \ube45\ub370\uc774\ud130 \ubd84\uc11d\uc744 \ud65c\uc6a9\ud55c \ud22c\uc790 \uc804\ub7b5 \uc218\ub9bd\uc758 \ud544\uc694\uc131\uc774 \uacc4\uc18d\ud574\uc11c \uac15\uc870\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc54c\uace0\ub9ac\uc998 \ud2b8\ub808\uc774\ub529\uc774\ub098 \uc778\uacf5\uc9c0\ub2a5 \uae30\ubc18 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad00\ub9ac \uc11c\ube44\uc2a4 \ub4f1\uc740 \ud22c\uc790\uc790 \uac1c\uac1c\uc778\uc758 \uc2e0\uc6a9 \ubc0f \uc18c\ube44 \uae30\ub85d\uc744 \ubd84\uc11d\ud558\uc5ec, \ucd5c\uc801\uc758 \ud22c\uc790 \uc635\uc158\uc744 \uc81c\uc548\ud558\ub294 \uc5ed\ud560\uc744 \ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uae30\uc220\ub4e4\uc740 \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9ac\ub294 \ub370 \uc788\uc5b4 \uc778\uac04\uc758 \uc8fc\uad00\uc801\uc778 \ud310\ub2e8\ubcf4\ub2e4 \uac1d\uad00\uc801\uc778 \ub370\uc774\ud130 \ubd84\uc11d\uc744 \uc81c\uacf5\ud568\uc73c\ub85c\uc368, \ub354 \uc548\uc815\uc801\uc774\uace0 \uc218\uc775\uc131\uc774 \ub192\uc740 \ud22c\uc790 \uc804\ub7b5\uc744 \uac00\ub2a5\ud558\uac8c \ub9cc\ub4ed\ub2c8\ub2e4.<\/p>\n<p>\ub137\uc9f8, \ud22c\uc790 \uc804\ub7b5\uc744 \uc218\ub9bd\ud560 \ub54c \uc2e0\uc6a9\uc810\uc218\uc640 \ud568\uaed8 \uace0\ub824\ud574\uc57c \ud560 \uc694\uc18c\ub294 \ubc14\ub85c \u2018\ub9ac\uc2a4\ud06c \uad00\ub9ac\u2019\uc785\ub2c8\ub2e4. \uae08\uc735 \uc2dc\uc7a5\uc740 \uc608\uc0c1\uce58 \ubabb\ud55c \ubcc0\ub3d9\uc131\uc774 \uc874\uc7ac\ud558\uae30 \ub54c\ubb38\uc5d0, \ud22c\uc790\uc790\uac00 \ubaa8\ub4e0 \uc790\uc0b0\uc744 \ud55c \uacf3\uc5d0 \uc9d1\uc911\ud558\uc9c0 \uc54a\uace0 \ubd84\uc0b0 \ud22c\uc790\ud558\ub294 \uac83\uc774 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc8fc\uc2dd \ud22c\uc790\uc640 \ud568\uaed8 \ucc44\uad8c, \ubd80\ub3d9\uc0b0, \uadf8\ub9ac\uace0 \ub300\uccb4 \ud22c\uc790 \uc0c1\ud488\uc744 \ud63c\ud569\ud558\uc5ec \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\uc131\ud568\uc73c\ub85c\uc368, \uc804\ubc18\uc801\uc778 \ub9ac\uc2a4\ud06c\ub97c \ud6a8\uacfc\uc801\uc73c\ub85c \uad00\ub9ac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc720\uba85\ud55c \uae08\uc735 \uae30\uad00\ub4e4\uc758 \uc0ac\ub840\uc5d0\uc11c\ub3c4 \ubd84\uc0b0 \ud22c\uc790 \uc804\ub7b5\uc774 \ub9ac\uc2a4\ud06c \uc644\ud654 \ubc0f \uc548\uc815\uc801 \uc218\uc775 \ucc3d\ucd9c\uc5d0 \ud070 \uc5ed\ud560\uc744 \ud55c\ub2e4\ub294 \uc810\uc774 \uc5ec\ub7ec \ucc28\ub840 \uc785\uc99d\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub2e4\uc12f\uc9f8, \ud22c\uc790\uc5d0 \uc55e\uc11c \ubc18\ub4dc\uc2dc \uc790\uc2e0\uc758 \ubaa9\ud45c\uc640 \uae30\uac04\uc744 \uba85\ud655\ud788 \uc124\uc815\ud574\uc57c \ud569\ub2c8\ub2e4. \ub2e8\uae30\uc801\uc778 \uc2dc\uc138 \ucc28\uc775\uc744 \ub178\ub9ac\uae30\ubcf4\ub2e4\ub294, \uc7a5\uae30\uc801 \uc790\uc0b0 \uc99d\uc2dd\uc744 \ubaa9\ud45c\ub85c \ud55c \ud22c\uc790 \uacc4\ud68d\uc744 \uc218\ub9bd\ud558\ub294 \uac83\uc774 \ubc14\ub78c\uc9c1\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, 5\ub144, 10\ub144, \ud639\uc740 \uadf8 \uc774\uc0c1\uc744 \ubaa9\ud45c\ub85c \ud55c \ud22c\uc790 \uc804\ub7b5\uc5d0\uc11c\ub294 \uc0c1\ub300\uc801\uc73c\ub85c \uc548\uc815\uc801\uc778 \uc790\uc0b0 \ubc30\ubd84\uacfc \ub9ac\uc2a4\ud06c \uad00\ub9ac\uac00 \uc694\uad6c\ub418\uba70, \uc774\ub97c \uc704\ud574 \uc8fc\uae30\uc801\uc778 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc810\uac80\uacfc \uc7ac\uc870\uc815\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \ub2e4\uc591\ud55c \uae08\uc735 \uc804\ubb38\uac00\ub4e4\uc740 \uc7a5\uae30 \ud22c\uc790\uc758 \uc911\uc694\uc131\uc744 \uac15\uc870\ud558\uba70, \u2018\ubcf5\ub9ac \ud6a8\uacfc\u2019\uc5d0 \uae30\ubc18\ud55c \uc790\uc0b0 \uc99d\uc2dd \uc804\ub7b5\uc744 \uc801\uadf9 \ucd94\ucc9c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc5ec\uc12f\uc9f8, \ucd5c\uadfc \ub4e4\uc5b4 ESG(\ud658\uacbd, \uc0ac\ud68c \ubc0f \uc9c0\ubc30\uad6c\uc870) \ud22c\uc790\uc640 \uac19\uc774 \uc0ac\ud68c\uc801 \ucc45\uc784\uc744 \uace0\ub824\ud55c \ud22c\uc790 \uc804\ub7b5\ub3c4 \uc8fc\ubaa9\ubc1b\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud22c\uc790 \ubc29\uc2dd\uc740 \ub2e8\uc21c\ud788 \uc7ac\ubb34\uc801 \uc218\uc775\ubfd0\ub9cc \uc544\ub2c8\ub77c, \uc0ac\ud68c\uc801 \uac00\uce58 \ucc3d\ucd9c\uc5d0\ub3c4 \uae30\uc5ec\ud560 \uc218 \uc788\ub2e4\ub294 \uc810\uc5d0\uc11c \uc80a\uc740 \ud22c\uc790\uc790\ub4e4 \uc0ac\uc774\uc5d0\uc11c \uc778\uae30\ub97c \uc5bb\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c\ub85c, ESG \ud22c\uc790 \uc0c1\ud488\uc5d0 \ub300\ud55c \uc218\uc694\ub294 \uc9c0\ub09c 5\ub144\uac04 \uc5f0\ud3c9\uade0 15% \uc774\uc0c1\uc758 \uc131\uc7a5\ub960\uc744 \ubcf4\uc600\uc73c\uba70, \uc774\ub294 \uc55e\uc73c\ub85c\ub3c4 \uc9c0\uc18d\uc801\uc778 \uad00\uc2ec\uacfc \uc131\uc7a5\uc774 \uc608\uc0c1\ub418\ub294 \ubd84\uc57c\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc77c\uacf1\uc9f8, \ud22c\uc790 \uc804\ub7b5 \uc218\ub9bd \uc2dc \uc804\ubb38\uac00\ub4e4\uc758 \uc870\uc5b8\uacfc \uae08\uc735 \ucee8\uc124\ud305 \uc11c\ube44\uc2a4\uc758 \ud65c\uc6a9\uc740 \uc0c1\ub2f9\ud788 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \ub2e4\uc591\ud55c \uae08\uc735 \ucee8\uc124\ud134\ud2b8\uc640 \ud22c\uc790 \uc804\ubb38\uac00\ub4e4\uc740 \uac01 \uac1c\uc778\uc758 \uc7ac\uc815 \uc0c1\ud669, \ud22c\uc790 \ubaa9\ud45c, \uc704\ud5d8 \uc131\ud5a5 \ub4f1\uc744 \uace0\ub824\ud55c \ub9de\ucda4\ud615 \ud22c\uc790\ub97c \uc81c\uc548\ud574 \uc654\uc73c\uba70, \uc774\ub7ec\ud55c \uc804\ubb38\uc801\uc778 \uc870\uc5b8\uc744 \ud1b5\ud574 \ud22c\uc790\uc790 \uc2a4\uc2a4\ub85c\ub3c4 \ubcf4\ub2e4 \uccb4\uacc4\uc801\uc778 \uc7ac\ud14c\ud06c \uacc4\ud68d\uc744 \uc138\uc6b8 \uc218 \uc788\uac8c \ub429\ub2c8\ub2e4. \uc2e4\uc81c\ub85c, \uc804\ubb38 \uae30\uad00\uc758 \ucee8\uc124\ud305 \uc11c\ube44\uc2a4\ub97c \ubc1b\uc740 \ud22c\uc790\uc790\ub4e4\uc774 \uadf8\ub807\uc9c0 \uc54a\uc740 \uacbd\uc6b0\ubcf4\ub2e4 \ud3c9\uade0 \uc218\uc775\ub960\uc774 20% \uc774\uc0c1 \ub192\uc740 \uc0ac\ub840\ub4e4\uc774 \ub2e4\uc218 \ubcf4\uace0\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc5ec\ub35f\uc9f8, \ud22c\uc790 \uc804\ub7b5\uc758 \ub2e4\ubcc0\ud654\uc640 \uc735\ud1b5\uc131\uc744 \uc704\ud574\uc11c\ub294 \uacbd\uc81c \uc804\ubc18\uc758 \ub3d9\ud5a5\uc744 \uc9c0\uc18d\uc801\uc73c\ub85c \uad00\ucc30\ud558\uace0 \ubd84\uc11d\ud558\ub294 \uac83\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \ucd5c\uadfc \uae08\uc735 \uc2dc\uc7a5\uc5d0\uc11c\ub294 \uae00\ub85c\ubc8c \uacbd\uc81c \ubd88\uc548, \uae08\ub9ac \ubcc0\ub3d9, \uadf8\ub9ac\uace0 \uac01\uc885 \uc9c0\uc815\ud559\uc801 \ub9ac\uc2a4\ud06c\uc5d0 \ub530\ub978 \uc2dc\uc7a5 \ubcc0\ub3d9\uc131\uc774 \uc2ec\ud654\ub418\uace0 \uc788\ub294 \uc0c1\ud669\uc5d0\uc11c, \ud22c\uc790\uc790\ub4e4\uc740 \ubcf4\ub2e4 \uc2e0\uc18d\ud558\uac8c \ubcc0\ud654\uc5d0 \ub300\uc751\ud560 \uc218 \uc788\ub294 \uc804\ub7b5\uc744 \ub9c8\ub828\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubd84\uc11d\uacfc \ub300\uc751 \uc804\ub7b5\uc740 \uc8fc\ub85c \uacbd\uc81c \uc804\ubb38 \uc5f0\uad6c \uae30\uad00 \ubc0f \uae08\uc735 \ubd84\uc11d \ub9ac\ud3ec\ud2b8\ub97c \ud1b5\ud574 \uc81c\uacf5\ub418\uba70, \uc774\ub97c \ud1b5\ud574 \ud22c\uc790\uc790\ub4e4\uc740 \ubcf4\ub2e4 \ub370\uc774\ud130\uc5d0 \uae30\ubc18\ud55c \uacb0\uc815\uc744 \ub0b4\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc544\ud649\uc9f8, \uc2e0\uc6a9\uc810\uc218\ub97c \ud3ec\ud568\ud55c \uc7ac\ubb34 \uac74\uc804\uc131\uc774 \ud22c\uc790 \uc804\ub7b5 \uc218\ub9bd\uc758 \uc911\uc694\ud55c \uae30\ucd08\uc784\uc744 \ud56d\uc0c1 \uae30\uc5b5\ud574\uc57c \ud569\ub2c8\ub2e4. \uc2e0\uc6a9\uc810\uc218\uac00 \ub192\uc73c\uba74 \ucd94\uac00 \uc790\uae08 \uc870\ub2ec\uc774 \uc6a9\uc774\ud574\uc9c0\uace0, \ub0ae\uc740 \uc774\uc790\uc728 \ub4f1 \uae08\uc735 \uac70\ub798\uc5d0\uc11c \uc720\ub9ac\ud55c \uc870\uac74\uc744 \ubc1b\uc744 \uc218 \uc788\uae30 \ub54c\ubb38\uc5d0, \ud22c\uc790 \uacfc\uc815\uc5d0\uc11c\uc758 \uc720\ub3d9\uc131 \ud655\ubcf4\uc640 \uae34\uae09 \uc790\uae08 \ub9c8\ub828\uc5d0 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \ub530\ub77c\uc11c, \uc62c\ubc14\ub978 \ud22c\uc790 \uc804\ub7b5\uc744 \uc138\uc6b0\ub294 \ub3d9\uc2dc\uc5d0 \uc2e0\uc6a9 \uad00\ub9ac\uc5d0\ub3c4 \uc9c0\uc18d\uc801\uc778 \uad00\uc2ec\uc744 \uae30\uc6b8\uc774\ub294 \uac83\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc5f4\uc9f8, \ub9c8\uc9c0\ub9c9\uc73c\ub85c, \ud22c\uc790 \uc804\ub7b5\uc740 \ub2e8\uc77c \uc2dc\uc810\uc758 \uacc4\ud68d\ubcf4\ub2e4\ub294 \uc8fc\uae30\uc801\uc778 \uac80\ud1a0\uc640 \uc218\uc815 \uacfc\uc815\uc744 \uac70\uccd0\uc57c \ud569\ub2c8\ub2e4. \uae08\uc735 \uc2dc\uc7a5\uc758 \ubcc0\ud654\uc640 \uac1c\uc778\uc758 \uc7ac\uc815 \uc0c1\ud0dc \ubcc0\ud654\uc5d0 \ub530\ub77c \uc804\ub7b5\uc744 \uc720\uc5f0\ud558\uac8c \uc870\uc815\ud558\uace0, \uc704\ud5d8 \uc218\uc900\uc744 \uc7ac\ud3c9\uac00\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc815\uae30\uc801\uc778 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ubaa8\ub2c8\ud130\ub9c1, \ud22c\uc790 \uc131\uacfc \ubd84\uc11d, \uadf8\ub9ac\uace0 \uacbd\uc81c \ud658\uacbd \ubcc0\ud654\uc5d0 \ub530\ub978 \uc804\ub7b5 \uc218\uc815\uc740 \uc7a5\uae30\uc801 \ud22c\uc790 \uc131\uacf5\uc758 \ube44\uacb0\ub85c, \uac01 \uac1c\uc778\uc774 \uc2a4\uc2a4\ub85c \uccb4\uacc4\uc801\uc73c\ub85c \uad00\ub9ac\ud574\uc57c \ud560 \ubd80\ubd84\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc885\ud569\ud558\uba74, \uc2e0\uc6a9\uc810\uc218\ub97c \uae30\ubc18\uc73c\ub85c \ud55c \uc735\ud1b5\uc131 \uc788\ub294 \uc7ac\ud14c\ud06c \uc804\ub7b5\uc740 \uc7ac\ubb34 \uac74\uc804\uc131 \ud655\ubcf4\uc640 \uc7a5\uae30\uc801 \ubd80\uc758 \ucd95\uc801\uc744 \uc704\ud55c \ud544\uc218 \uc870\uac74\uc785\ub2c8\ub2e4. \uccb4\uacc4\uc801\uc778 \uc2e0\uc6a9 \uad00\ub9ac\uc640 \ub9de\ucda4\ud615 \ud22c\uc790 \uc804\ub7b5\uc744 \ud1b5\ud574, \uae08\uc735 \uc2dc\uc7a5\uc758 \ubd88\ud655\uc2e4\uc131\uc5d0\ub3c4 \ub300\ube44\ud560 \uc218 \uc788\uc73c\uba70, \uc774\ub97c \ud1b5\ud574 \uc548\uc815\uc801\uc778 \uc790\uc0b0 \uc99d\uc2dd\uacfc \ud568\uaed8 \ub2e4\uc591\ud55c \ud22c\uc790 \uae30\ud68c\ub97c \ubaa8\uc0c9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc804\ub7b5\uc740 \ub2e8\uae30\uc801 \uc774\uc775\uc5d0 \uc9d1\uc911\ud558\uae30\ubcf4\ub2e4\ub294, \uc7a5\uae30\uc801\uc778 \ubaa9\ud45c\uc640 \ub9ac\uc2a4\ud06c \uad00\ub9ac\ub97c \uc6b0\uc120\uc2dc\ud558\ub294 \ud22c\uc790 \ucca0\ud559\uc5d0 \uae30\ubc18\uc744 \ub450\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc774\uc640 \uac19\uc774 30\ub300 \uc774\uc804\uc5d0 \uc2e0\uc6a9\uc810\uc218\ub97c \ub192\uc774\uba70 \uc7ac\ud14c\ud06c \uae30\ucd08\ub97c \ub2e4\uc9c0\ub294 \uac83\uc740 \uac1c\uc778 \uc7ac\uc815 \uad00\ub9ac\uc758 \ucd9c\ubc1c\uc810\uc774\uc790, \ubbf8\ub798 \ud22c\uc790 \uc131\uacf5\uc758 \uc911\uc694\ud55c \ubc11\uac70\ub984\uc785\ub2c8\ub2e4. \uc804\ubb38\uac00\ub4e4\uc758 \uc0ac\ub840\uc640 \ucd5c\uc2e0 \ud1b5\uacc4 \uc790\ub8cc\ub97c \ud1b5\ud574 \uc785\uc99d\ub41c \ubc14\uc640 \uac19\uc774, \uc62c\ubc14\ub978 \ud22c\uc790 \uc804\ub7b5\uacfc \uc9c0\uc18d\uc801\uc778 \ub9ac\uc2a4\ud06c \uad00\ub9ac\ub294 \uae08\uc735 \uc0dd\ud65c\uc5d0\uc11c \uacb0\uc815\uc801\uc778 \ucc28\uc774\ub97c \ub9cc\ub4e4\uba70, \uc774\ub294 \uc548\uc815\uc801\uc774\uace0 \ud48d\uc694\ub85c\uc6b4 \ubbf8\ub798\ub97c \uc704\ud55c \ud544\uc218\uc801\uc778 \uc694\uc18c\ub85c \uc791\uc6a9\ud569\ub2c8\ub2e4.<\/p>\n<h2 id=\"4-%eb%af%b8%eb%9e%98-%eb%8c%80%eb%b9%84%ec%99%80-%ec%b5%9c%ec%8b%a0-%ea%b2%bd%ec%a0%9c-%eb%8f%99%ed%96%a5%ec%9d%84-%eb%b0%98%ec%98%81%ed%95%9c-%ec%9e%ac%ed%85%8c%ed%81%ac-%ec%a0%84%eb%9e%b5-zmNtLKMaWo\">4. \ubbf8\ub798 \ub300\ube44\uc640 \ucd5c\uc2e0 \uacbd\uc81c \ub3d9\ud5a5\uc744 \ubc18\uc601\ud55c \uc7ac\ud14c\ud06c \uc804\ub7b5<\/h2>\n<p>\ud604\ub300 \uae08\uc735 \ud658\uacbd\uc740 \ube60\ub974\uac8c \ubcc0\ud654\ud558\uace0 \uc788\uc73c\uba70, \uae00\ub85c\ubc8c \uacbd\uc81c\uc758 \ubd88\ud655\uc2e4\uc131\uacfc \uae30\uc220 \ubc1c\uc804\uc5d0 \ub530\ub978 \uc0c8\ub85c\uc6b4 \uae08\uc735 \ud328\ub7ec\ub2e4\uc784\uc774 \ub4f1\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. 30\ub300 \uc774\uc804\uc5d0 \uc2e0\uc6a9\uc810\uc744 \ub192\uc774\uace0 \uc7ac\ud14c\ud06c \uae30\ucd08\ub97c \ub2e4\uc9c4 \uac1c\uc778\uc740 \uc774\ub7ec\ud55c \ubcc0\ud654\uc5d0 \ub2a5\ub3d9\uc801\uc73c\ub85c \ub300\uc751\ud558\uba70 \ubbf8\ub798\ub97c \uc900\ube44\ud560 \uc218 \uc788\ub294 \uc6b0\uc704\ub97c \uc810\ud558\uac8c \ub429\ub2c8\ub2e4. \ubcf8 \uc139\uc158\uc5d0\uc11c\ub294 \ucd5c\uc2e0 \uacbd\uc81c \ub3d9\ud5a5, \uc778\ud50c\ub808\uc774\uc158, \uae08\ub9ac \ubcc0\ub3d9, \uadf8\ub9ac\uace0 \ub514\uc9c0\ud138 \uae08\uc735 \ud601\uc2e0 \ub4f1\uc774 \ud22c\uc790 \uc804\ub7b5\uc5d0 \uc5b4\ub5a4 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294\uc9c0 \ubd84\uc11d\ud558\uace0, \uc774\uc5d0 \ub530\ub978 \ub300\uc751 \ubc29\uc548\uc744 \uc885\ud569\uc801\uc73c\ub85c \uc81c\uc2dc\ud569\ub2c8\ub2e4.<\/p>\n<p>\uccab\uc9f8, \ucd5c\uadfc \uba87 \ub144\uac04\uc758 \uae00\ub85c\ubc8c \uacbd\uc81c \ub3d9\ud5a5\uc740 \uae08\uc735 \uc2dc\uc7a5\uc5d0\uc11c\uc758 \ubd88\ud655\uc2e4\uc131\uc744 \uc99d\ud3ed\uc2dc\ucf30\uc2b5\ub2c8\ub2e4. \ubbf8\uc911 \ubb34\uc5ed \uac08\ub4f1, \uc9c0\uc815\ud559\uc801 \ub9ac\uc2a4\ud06c, \uadf8\ub9ac\uace0 \ucf54\ub85c\ub09819 \ud32c\ub370\ubbf9 \ub4f1\uc740 \uc804 \uc138\uacc4\uc801\uc73c\ub85c \uacbd\uc81c \ud658\uacbd\uc5d0 \ud070 \uc601\ud5a5\uc744 \uc8fc\uc5c8\uc73c\uba70, \uc774\ub85c \uc778\ud574 \ud22c\uc790\uc790\ub4e4\uc740 \ubcf4\ub2e4 \uc2e0\uc911\ud55c \uc7ac\ud14c\ud06c \uc804\ub7b5 \uc218\ub9bd\uc774 \uc694\uad6c\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc0c1\ud669 \uc18d\uc5d0\uc11c \uc2e0\uc6a9\uc810\uc218\uac00 \ub192\uc544\uc57c \uae08\uc735 \uae30\uad00\uc73c\ub85c\ubd80\ud130 \uc720\ub9ac\ud55c \uc870\uac74\uc758 \ub300\ucd9c\uc774\ub098 \uae08\uc735 \uc0c1\ud488 \uac00\uc785\uc774 \uac00\ub2a5\ud574\uc838, \uc548\uc815\uc801 \ud22c\uc790 \uc790\uae08\uc744 \ud655\ubcf4\ud560 \uc218 \uc788\ub2e4\ub294 \uc810\uc740 \ub9e4\uc6b0 \uc911\uc694\ud55c \uc694\uc778\uc73c\ub85c \uc791\uc6a9\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub458\uc9f8, \uae08\ub9ac \ubcc0\ub3d9\uacfc \uc778\ud50c\ub808\uc774\uc158\uc740 \uc7ac\ud14c\ud06c \uc804\ub7b5 \uc218\ub9bd\uc5d0 \uc788\uc5b4 \uace0\ub824\ud574\uc57c \ud560 \ud575\uc2ec \ubcc0\uc218\uc785\ub2c8\ub2e4. \ud2b9\ud788 \ud604\uc7ac\uc640 \uac19\uc774 \uc800\uae08\ub9ac \uae30\uc870\uac00 \uc720\uc9c0\ub418\ub294 \uc0c1\ud669\uc5d0\uc11c\ub3c4 \uae08\ub9ac \uc778\uc0c1 \uc0ac\uc774\ud074\uc774 \uc608\uace0\ub418\uace0 \uc788\uc73c\uba70, \uc774\ub294 \ub300\ucd9c \ube44\uc6a9 \ubc0f \ud22c\uc790 \uc218\uc775\ub960\uc5d0 \uc9c1\uc811\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4. \uc2e4\uc81c \ub370\uc774\ud130\uc5d0 \ub530\ub974\uba74, \uae08\ub9ac \uc0c1\uc2b9 \uad6d\uba74\uc5d0\uc11c\ub294 \ud3c9\uade0 \ub300\ucd9c \uc774\uc790\uc728\uc774 1~2% \uc774\uc0c1 \uc0c1\uc2b9\ud558\ub294 \uacbd\ud5a5\uc774 \uc788\uc73c\uba70, \uc774\ub7ec\ud55c \ubcc0\ud654\ub294 \uc2e0\uc6a9 \uc0c1\ud0dc\uac00 \uc591\ud638\ud55c \uac1c\uc778\uc5d0\uac8c \uc0c1\ub300\uc801\uc73c\ub85c \ub0ae\uc740 \ubd80\ub2f4\uc73c\ub85c \uc791\uc6a9\ud558\uac8c \ub429\ub2c8\ub2e4. \uadf8\ub7ec\ubbc0\ub85c \uc548\uc815\uc801\uc778 \uc2e0\uc6a9 \uad00\ub9ac\uc640 \uc2e0\uc6a9\uc810\uc218 \uac1c\uc120\uc740 \uc774\ub7f0 \uc678\ubd80 \ubcc0\uc218\uc5d0\ub3c4 \uae0d\uc815\uc801\uc778 \uc601\ud5a5\uc73c\ub85c \uc791\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc14b\uc9f8, \ub514\uc9c0\ud138 \uae08\uc735 \ud601\uc2e0\uacfc \ud540\ud14c\ud06c \uae30\uc220\uc758 \ubc1c\uc804\uc740 \uac1c\uc778 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \uc0c8\ub85c\uc6b4 \ud22c\uc790 \uae30\ud68c\ub97c \uc81c\uacf5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc778\uacf5\uc9c0\ub2a5, \ube45\ub370\uc774\ud130, \uadf8\ub9ac\uace0 \ube14\ub85d\uccb4\uc778 \uae30\uc220 \ub4f1\uc740 \uae30\uc874\uc758 \uae08\uc735 \ubaa8\ub378\uc744 \uc7ac\ud3b8\ud558\uace0 \uc788\uc73c\uba70, \uc774\ub97c \ud65c\uc6a9\ud55c \ud22c\uc790 \ud50c\ub7ab\ud3fc \ubc0f \uc790\uc0b0 \uad00\ub9ac \uc2dc\uc2a4\ud15c\uc740 \ud22c\uc790\uc790\ub4e4\uc774 \ubcf4\ub2e4 \ud6a8\uc728\uc801\uc73c\ub85c \uae08\uc735 \uc815\ubcf4\ub97c \ubd84\uc11d\ud558\uace0, \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9b4 \uc218 \uc788\ub3c4\ub85d \ub3d5\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc778\uacf5\uc9c0\ub2a5 \uae30\ubc18\uc758 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad00\ub9ac \uc18c\ud504\ud2b8\uc6e8\uc5b4\ub294 \ud22c\uc790\uc790\uc758 \uc18c\ube44 \ud328\ud134\uacfc \uc2e0\uc6a9 \uc815\ubcf4\ub97c \ubd84\uc11d\ud558\uc5ec, \ucd5c\uc801\uc758 \ud22c\uc790 \uc804\ub7b5\uc744 \uc81c\uc548\ud558\ub294 \uae30\ub2a5\uc744 \uac16\ucd94\uace0 \uc788\uc73c\uba70, \uc2e4\uc81c \uc0ac\uc6a9 \uc0ac\ub840\uc5d0\uc11c\ub294 \ud3c9\uade0 \uc218\uc775\ub960\uc744 10~15%\uae4c\uc9c0 \uac1c\uc120\ud55c \uc0ac\ub840\ub3c4 \ubcf4\uace0\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub137\uc9f8, \ubbf8\ub798 \uacbd\uc81c \uc804\ub9dd\uc744 \ubc18\uc601\ud55c \ud22c\uc790 \uc804\ub7b5\uc5d0\ub294 \uc9c0\uc18d \uac00\ub2a5\uc131\uacfc \uc0ac\ud68c\uc801 \ucc45\uc784 \ud22c\uc790\uac00 \uc810\ucc28 \uc911\uc694\ud55c \uc694\uc18c\ub85c \ubd80\uac01\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. ESG \ud22c\uc790, \uadf8\ub9b0 \uae08\uc735 \ubc0f \uc0ac\ud68c\uc801 \uc601\ud5a5 \ud22c\uc790 \ub4f1\uc740 \ub2e8\uc21c\ud788 \uc7ac\ubb34\uc801 \uc218\uc775\ubfd0 \uc544\ub2c8\ub77c, \ud658\uacbd \ubcf4\ud638 \ubc0f \uc0ac\ud68c\uc801 \uac00\uce58 \ucc3d\ucd9c\uc5d0\ub3c4 \uae30\uc5ec\ud558\ub294 \ud22c\uc790 \ubc29\uc2dd\uc73c\ub85c \uc778\uc815\ubc1b\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud22c\uc790 \ubc29\ubc95\uc740 \ud2b9\ud788 \uc80a\uc740 \uc138\ub300 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \ud070 \ud638\uc751\uc744 \uc5bb\uace0 \uc788\uc73c\uba70, \uc7a5\uae30\uc801\uc73c\ub85c\ub3c4 \uc548\uc815\uc801\uc778 \uc218\uc775\uc744 \ucc3d\ucd9c\ud560 \uc218 \uc788\ub294 \uae30\ubc18\uc774 \ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub2e4\uc12f\uc9f8, \ucd5c\uc2e0 \uae08\uc735 \ud2b8\ub80c\ub4dc\ub97c \ubc18\uc601\ud55c \ud22c\uc790 \uc804\ub7b5 \uc218\ub9bd \uc2dc \ubc18\ub4dc\uc2dc \ub370\uc774\ud130 \uae30\ubc18 \ubd84\uc11d\uacfc \uc804\ubb38\uac00 \uc758\uacac \uccad\ucde8\uac00 \uc694\uad6c\ub429\ub2c8\ub2e4. \uae08\uc735 \uc2dc\uc7a5\uc740 \ube60\ub974\uac8c \ubcc0\ud654\ud558\ub294 \ub9cc\ud07c, \uc8fc\uae30\uc801\uc778 \uacbd\uc81c \ub3d9\ud5a5 \ubd84\uc11d \ubcf4\uace0\uc11c, \uae08\uc735 \uc804\ubb38 \ub9e4\uccb4 \ubc0f \uc5f0\uad6c \uae30\uad00\uc758 \ucd5c\uc2e0 \uc790\ub8cc\ub97c \ucc38\uace0\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ud55c\uad6d\uc740\ud589, IMF, \uadf8\ub9ac\uace0 \uc138\uacc4\uacbd\uc81c\ud3ec\ub7fc \ub4f1\uc758 \uc790\ub8cc\ub97c \ud1b5\ud574 \uac01\uc885 \uacbd\uc81c \uc9c0\ud45c\uc640 \ud1b5\uacc4 \ub370\uc774\ud130\ub97c \ubd84\uc11d\ud558\uba74, \ud5a5\ud6c4 \uae08\ub9ac \ubc0f \uc778\ud50c\ub808\uc774\uc158 \ucd94\uc138\ub97c \uc608\uce21\ud560 \uc218 \uc788\uc73c\uba70, \uc774\uc5d0 \ub530\ub978 \ud22c\uc790 \uc804\ub7b5\ub3c4 \ubcf4\ub2e4 \uc815\ubc00\ud558\uac8c \uc124\uc815\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc5ec\uc12f\uc9f8, \ud22c\uc790 \uc804\ub7b5\uc740 \ubc18\ub4dc\uc2dc \ub9ac\uc2a4\ud06c \uad00\ub9ac \uce21\uba74\uc5d0\uc11c\ub3c4 \uc811\uadfc\ud574\uc57c \ud569\ub2c8\ub2e4. \uae00\ub85c\ubc8c \uacbd\uc81c\uc758 \uc608\uce21 \ubd88\uac00\ub2a5\ud55c \ubcc0\uc218\ub4e4\uc5d0 \ub300\ube44\ud558\uae30 \uc704\ud574, \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ub2e4\ubcc0\ud654\ub294 \ubb3c\ub860, \ube44\uc0c1 \uc790\uae08\uc744 \ub9c8\ub828\ud558\ub294 \ub4f1\uc758 \uc900\ube44\uac00 \ud544\uc694\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc608\uc0c1\uce58 \ubabb\ud55c \uacbd\uc81c \uc704\uae30 \uc2dc\uae30\uc5d0 \ub300\ube44\ud558\uc5ec \ucd1d \uc790\uc0b0\uc758 \uc77c\uc815 \ube44\uc728\uc744 \ud604\uae08\uc774\ub098 \ub2e8\uae30 \uae08\uc735 \uc0c1\ud488\uc5d0 \ubc30\ubd84\ud558\ub294 \uc804\ub7b5\uc740, \uc704\uae30 \uc0c1\ud669\uc5d0\uc11c \ube60\ub974\uac8c \ub300\uc751\ud560 \uc218 \uc788\ub294 \uc720\ub3d9\uc131\uc744 \ubcf4\uc7a5\ud569\ub2c8\ub2e4. \uae08\uc735 \uc804\ubb38\uac00\ub4e4\uc740 \uc774\ub7ec\ud55c \ub9ac\uc2a4\ud06c \uad00\ub9ac \uc804\ub7b5\uc774 \uc7a5\uae30 \ud22c\uc790\uc5d0 \uc788\uc5b4 \ud544\uc218\uc801\uc774\ub77c\uace0 \uac15\uc870\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc77c\uacf1\uc9f8, \ubbf8\ub798 \ub300\ube44 \uc7ac\ud14c\ud06c \uc804\ub7b5\uc740 \ub2e8\uae30\uc801 \ud22c\uc790 \uc218\uc775\uc744 \ub118\uc5b4, \uc7a5\uae30\uc801 \ubd80\uc758 \ucd95\uc801\uacfc \uc7ac\uc815 \uc548\uc815\uc131\uc744 \ubaa9\ud45c\ub85c \uc0bc\uc544\uc57c \ud569\ub2c8\ub2e4. 30\ub300 \uc774\uc804\uc5d0 \uc2e0\uc6a9\uae30\ubc18\uc744 \ucda9\ubd84\ud788 \ub2e4\uc9c4 \uac1c\uc778\uc740, \ucd08\uae30 \ud22c\uc790 \uc790\ubcf8\uc744 \ud655\ubcf4\ud55c \uc0c1\ud0dc\uc5d0\uc11c \ubcf4\ub2e4 \uacf5\uaca9\uc801\uc778 \ud22c\uc790 \uc804\ub7b5\uc744 \uad6c\uc0ac\ud560 \uc218 \uc788\uc73c\uba70, \uc774\ub294 \uc7a5\uae30\uc801\uc778 \ubcf5\ub9ac \ud6a8\uacfc\uc640 \uc790\uc0b0 \uc99d\uc2dd\uc5d0 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \uc5ec\ub7ec \uae30\uc5c5 \ubd84\uc11d \uc790\ub8cc\uc640 \ud22c\uc790 \uad00\ub828 \uc5f0\uad6c\uc5d0 \ub530\ub974\uba74, \uc7a5\uae30 \ud22c\uc790\uc790\ub4e4\uc758 \ud3c9\uade0 \uc218\uc775\ub960\uc740 \ub2e8\uae30 \ud22c\uc790\uc790\ubcf4\ub2e4 30% \uc774\uc0c1 \ub192\uc740 \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc5ec\ub35f\uc9f8, \ucd5c\uc2e0 \uacbd\uc81c \ub3d9\ud5a5\uc744 \ubc18\uc601\ud55c \uc7ac\ud14c\ud06c \uc804\ub7b5 \uc218\ub9bd\uc5d0\ub294 \uc815\ubd80 \uc815\ucc45\uacfc \uaddc\uc81c \ubcc0\ud654\ub3c4 \uc911\uc694\ud55c \ubcc0\uc218\ub85c \uc791\uc6a9\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc815\ubd80\uc758 \ubd80\ub3d9\uc0b0 \uc815\ucc45, \uc138\uc81c \uac1c\ud3b8, \uadf8\ub9ac\uace0 \uae08\uc735 \uaddc\uc81c \uac15\ud654 \ub4f1\uc740 \uac01\uc885 \ud22c\uc790 \uc0c1\ud488\uc758 \uc218\uc775 \uad6c\uc870\uc640 \ub9ac\uc2a4\ud06c\uc5d0 \uc9c1\uc811\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce58\uac8c \ub429\ub2c8\ub2e4. \uc774\uc5d0 \ub530\ub77c \ud22c\uc790\uc790\ub4e4\uc740 \uc815\ubd80 \ubc1c\ud45c \uc790\ub8cc\uc640 \uc815\ucc45 \ubcc0\ud654\ub97c \uba74\ubc00\ud788 \uc8fc\uc2dc\ud558\uba70, \uc774\uc5d0 \ub9de\ucdb0 \uc804\ub7b5\uc744 \uc218\uc815\ud574\uc57c \ud569\ub2c8\ub2e4. \uc2e4\uc81c\ub85c, \uc815\ubd80 \uc815\ucc45 \ubcc0\ud654\uc5d0 \ubbfc\uac10\ud558\uac8c \ubc18\uc751\ud55c \ud22c\uc790\uc790\ub4e4\uc774 \uc2dc\uc7a5 \ubcc0\ub3d9\uc131\uc5d0 \ubcf4\ub2e4 \uc798 \ub300\ucc98\ud55c \uc0ac\ub840\uac00 \ub2e4\uc218 \uc874\uc7ac\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc544\ud649\uc9f8, \ud604\uc7ac \uae08\uc735 \uc2dc\uc7a5\uc758 \ucd5c\uc2e0 \ud2b8\ub80c\ub4dc \uc911 \ud558\ub098\ub294 \uac1c\uc778 \ub9de\ucda4\ud615 \uae08\uc735 \uc0c1\ud488\uc758 \ub4f1\uc7a5\uc785\ub2c8\ub2e4. \uae08\uc735 \uae30\uad00\ub4e4\uc740 \ube45\ub370\uc774\ud130\uc640 \uc778\uacf5\uc9c0\ub2a5 \uae30\uc220\uc744 \ud65c\uc6a9\ud558\uc5ec, \uace0\uac1d \uac1c\uac1c\uc778\uc758 \uc2e0\uc6a9 \uc0c1\ud0dc\uc640 \uc18c\ube44 \ud328\ud134\uc744 \ubd84\uc11d\ud558\uace0 \uadf8\uc5d0 \ub9de\ub294 \ub9de\ucda4\ud615 \uae08\uc735 \uc194\ub8e8\uc158\uc744 \uc81c\uacf5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uae30\uc220\ub4e4\uc740 \ub2e8\uc21c\ud788 \ud22c\uc790 \ucd94\ucc9c\uc744 \ub118\uc5b4\uc11c, \uac1c\uc778\uc758 \uc804\uccb4 \uc7ac\ubb34 \uc0c1\ud669\uc744 \uace0\ub824\ud55c \uc885\ud569 \uae08\uc735 \uad00\ub9ac \uc2dc\uc2a4\ud15c\uc73c\ub85c \ubc1c\uc804\ud558\uace0 \uc788\uc73c\uba70, \uc774\ub294 \uc80a\uc740 \uc138\ub300 \ud22c\uc790\uc790\ub4e4\uc774 \ubcf4\ub2e4 \uc27d\uace0 \ud6a8\uacfc\uc801\uc73c\ub85c \uc790\uc0b0\uc744 \uc99d\uc2dd\ud560 \uc218 \uc788\ub3c4\ub85d \ub3d5\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc5f4\uc9f8, \uacb0\ub860\uc801\uc73c\ub85c \ubbf8\ub798 \ub300\ube44 \uc7ac\ud14c\ud06c \uc804\ub7b5\uc740 \uc2e0\uc6a9\uad00\ub9ac\uc640 \ucd5c\uc2e0 \uacbd\uc81c \ub3d9\ud5a5, \uadf8\ub9ac\uace0 \ub514\uc9c0\ud138 \uae08\uc735 \uae30\uc220\uc744 \uc885\ud569\uc801\uc73c\ub85c \uace0\ub824\ud558\uc5ec \uc218\ub9bd\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4. \uae08\uc735 \uc2dc\uc7a5\uc740 \ub04a\uc784\uc5c6\uc774 \ubcc0\ud654\ud558\uace0 \uc788\uc73c\uba70, \uc774\uc5d0 \ub2a5\ub3d9\uc801\uc73c\ub85c \ub300\uc751\ud560 \uc218 \uc788\ub294 \ud22c\uc790 \uc804\ub7b5\ub9cc\uc774 \uc7a5\uae30\uc801\uc778 \uc131\uacf5\uc744 \ubcf4\uc7a5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. 30\ub300 \uc774\uc804\uc5d0 \uc2e0\uc6a9\uc810\uc744 \uae30\ubc18\uc73c\ub85c \ud55c \uccb4\uacc4\uc801\uc778 \uc7ac\ud14c\ud06c \uc804\ub7b5\uc744 \ub9c8\ub828\ud558\ub294 \uac83\uc740 \ub2e8\uc21c\ud55c \uae08\uc735 \uad00\ub9ac \uc774\uc0c1\uc758 \uc758\ubbf8\ub97c \uac00\uc9c0\uba70, \ud5a5\ud6c4 \uacbd\uc81c\uc801 \uc790\ub9bd\uacfc \uc548\uc815\uc801\uc778 \ubbf8\ub798 \uad6c\ucd95\uc758 \uc911\uc694\ud55c \ucd08\uc11d\uc774 \ub420 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc774\uc640 \uac19\uc774 \ud604\ub300 \uacbd\uc81c \ud658\uacbd\uc5d0\uc11c \uc2e0\uc6a9\uad00\ub9ac\uc640 \uc7ac\ud14c\ud06c \uc804\ub7b5\uc740 \uc11c\ub85c \ubc00\uc811\ud55c \uc5f0\uad00\uc131\uc744 \uac00\uc9c0\uba70, \uccb4\uacc4\uc801\uc778 \uc811\uadfc\uacfc \uc9c0\uc18d\uc801\uc778 \ubaa8\ub2c8\ud130\ub9c1\uc774 \ud568\uaed8 \uc774\ub8e8\uc5b4\uc838\uc57c \ud569\ub2c8\ub2e4. \uac01\uc885 \ucd5c\uc2e0 \ud1b5\uacc4 \uc790\ub8cc\uc640 \uae08\uc735 \uc804\ubb38\uac00\ub4e4\uc758 \ubd84\uc11d\uc744 \ud1b5\ud574 \ubcfc \ub54c, \uc2e0\uc6a9\uc810\uc218\uc758 \uac1c\uc120\uacfc \uc7ac\ud14c\ud06c \uc804\ub7b5 \uc218\ub9bd\uc740 \uac1c\uc778\uc758 \uae08\uc735 \uac74\uc804\uc131\ubfd0 \uc544\ub2c8\ub77c, \uc804\uccb4 \uacbd\uc81c \uc2dc\uc7a5\uc758 \uc548\uc815\uc5d0\ub3c4 \uae0d\uc815\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294 \uc694\uc18c\uc784\uc744 \uc54c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \uc5bb\uc740 \uc778\uc0ac\uc774\ud2b8\ub294 \ub2e8\uae30\uc801\uc778 \uae08\uc735 \uc131\uacfc\ubfd0 \uc544\ub2c8\ub77c, \uc7a5\uae30\uc801\uc778 \ubd80\uc758 \uc99d\uc2dd\uacfc \uc548\uc815\ub41c \ubbf8\ub798\ub97c \uc704\ud55c \ud655\uc2e4\ud55c \uae30\ubc18\uc744 \uc81c\uacf5\ud560 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uc704\uc5d0\uc11c \ub17c\uc758\ub41c \uc5ec\ub7ec \uc804\ub7b5\ub4e4\uc744 \uc885\ud569\ud558\uba74, \uc2e0\uc6a9\uc810\uc218\ub97c \ub192\uc774\ub294 \uac83\uacfc \uc774\uc5d0 \uae30\ubc18\ud55c \uccb4\uacc4\uc801\uc778 \uc7ac\ud14c\ud06c \uc804\ub7b5 \uc218\ub9bd\uc740 30\ub300 \uc774\uc804\uc758 \uacbd\uc81c \uc0dd\ud65c \ubfd0 \uc544\ub2c8\ub77c, \ud3c9\uc0dd\uc5d0 \uac78\uce5c \uc790\uc0b0 \uc99d\uc2dd \ubc0f \uae08\uc735 \uc548\uc815\uc131 \ud655\ubcf4\ub97c \uc704\ud55c \ud544\uc218\uc801\uc778 \uacfc\uc815\uc784\uc744 \ub2e4\uc2dc \ud55c \ubc88 \ud655\uc778\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uac01 \uac1c\uc778\uc740 \uc790\uc2e0\uc758 \uc2e0\uc6a9 \uc0c1\ud0dc\ub97c \uba74\ubc00\ud788 \uc810\uac80\ud558\uace0, \ucd5c\uc2e0 \uacbd\uc81c \ub3d9\ud5a5\uacfc \uae08\uc735 \uae30\uc220\uc744 \uc801\uadf9 \ud65c\uc6a9\ud568\uc73c\ub85c\uc368, \uc548\uc815\uc801\uc774\uace0 \uc720\uc5f0\ud55c \ud22c\uc790 \uc804\ub7b5\uc744 \ub9c8\ub828\ud560 \uc218 \uc788\uc5b4\uc57c \ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc804\ub7b5\ub4e4\uc740 \uc7a5\uae30 \ud22c\uc790, \ub9ac\uc2a4\ud06c \uad00\ub9ac, \uadf8\ub9ac\uace0 \uc0ac\ud68c\uc801 \ucc45\uc784 \ud22c\uc790\ub97c \uc544\uc6b0\ub974\ub294 \uc804\ubc29\uc704\uc801\uc778 \uc811\uadfc \ubc29\uc2dd\uc744 \ud1b5\ud574, \ubbf8\ub798\uc5d0 \ubd88\ud655\uc2e4\uc131\uc774 \uac00\ub4dd\ud55c \uacbd\uc81c \ud658\uacbd\uc5d0\uc11c\ub3c4 \uafb8\uc900\ud788 \uc131\uacfc\ub97c \ub0b4\ub294 \ud22c\uc790\uc790\ub85c \uc131\uc7a5\ud560 \uc218 \uc788\ub3c4\ub85d \ub3c4\uc640\uc904 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc694\uc57d\ud558\uc790\uba74, 30\ub300 \uc774\uc804\uc5d0 \uc2e0\uc6a9\uc810\uc218\ub97c \ub192\uc5ec \uc7ac\ud14c\ud06c \uae30\ucd08\ub97c \ub2e4\uc9c0\ub294 \uc77c\uc740 \ub2e8\uc21c\ud55c \uae08\uc735 \uad00\ub9ac\uc758 \ucc28\uc6d0\uc744 \ub118\uc5b4\uc11c, \uc7a5\uae30\uc801\uc778 \ubd80\uc758 \ucd95\uc801\uacfc \uc548\uc815\uc801 \uacbd\uc81c \uc0dd\ud65c\uc744 \uc704\ud55c \uae30\ubc18 \ub9c8\ub828\uc5d0 \uc788\uc5b4 \ud544\uc218\uc801\uc778 \uc694\uc18c\uc785\ub2c8\ub2e4. \uccb4\uacc4\uc801\uc778 \uc0dd\ud65c\uc2b5\uad00\uacfc \uc7ac\uc815 \uad00\ub9ac, \uadf8\ub9ac\uace0 \ub2e4\uc591\ud55c \ud22c\uc790 \uc804\ub7b5\uacfc \ucd5c\uc2e0 \uacbd\uc81c \ub3d9\ud5a5\uc758 \ubd84\uc11d\uc744 \ud1b5\ud569\ud55c \uc62c\ubc14\ub978 \uc811\uadfc\ubc95\uc740, \uac1c\uc778\uc774 \ubbf8\ub798\uc758 \uae08\uc735 \uc704\uae30\uc640 \uacbd\uc81c \ubcc0\ub3d9\uc131\uc5d0 \ub2a5\ub3d9\uc801\uc73c\ub85c \ub300\uc751\ud560 \uc218 \uc788\ub3c4\ub85d \ub3d5\uc2b5\ub2c8\ub2e4.<\/p>\n<p><strong>\uac15\ub825\ud55c \uc694\uc57d:<\/strong> \ubcf8 \uae30\uc0ac\ub294 30\ub300 \uc774\uc804\uc5d0 \uc2e0\uc6a9\uc810\uc218\ub97c \ub192\uc5ec \uc7ac\ud14c\ud06c \uae30\ucd08\ub97c \ub2e4\uc9c0\ub294 \ubc29\ubc95\uc5d0 \ub300\ud574 \ub124 \uac00\uc9c0 \ud575\uc2ec \uc139\uc158\uc744 \ud1b5\ud574 \uc2ec\ub3c4 \uc788\uac8c \ubd84\uc11d\ud558\uc600\uc2b5\ub2c8\ub2e4. \uccab \ubc88\uc9f8 \uc139\uc158\uc5d0\uc11c\ub294 \uc2e0\uc6a9\uc810\uc218\uc758 \uae30\ubcf8 \uac1c\ub150\uacfc \uc911\uc694\uc131, \uadf8 \uc0b0\ucd9c \ubc29\ubc95\uacfc \uae08\uc735 \uc0dd\ud65c \uc804\ubc18\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc744 \ub2e4\ub8e8\uc5c8\uc2b5\ub2c8\ub2e4. \ub450 \ubc88\uc9f8 \uc139\uc158\uc5d0\uc11c\ub294 \uc77c\uc0c1 \uc0dd\ud65c \uc18d\uc5d0\uc11c \uc2e0\uc6a9\uc810\uc218\ub97c \ud5a5\uc0c1\uc2dc\ud0a4\uae30 \uc704\ud55c \uad6c\uccb4\uc801\uc778 \uc18c\ube44 \uc2b5\uad00\uacfc \uc7ac\uc815 \uad00\ub9ac \uc804\ub7b5, \uc815\uae30\uc801\uc778 \uc2e0\uc6a9 \uc810\uac80 \ubc0f \uac00\uc871 \ub2e8\uc704\uc758 \uc7ac\ubb34 \uad00\ub9ac \ubc29\uc548\uc744 \uc81c\uc2dc\ud558\uc600\uc2b5\ub2c8\ub2e4. \uc138 \ubc88\uc9f8 \uc139\uc158\uc5d0\uc11c\ub294 \uc548\uc815\uc801\uc778 \uc2e0\uc6a9 \uae30\ubc18\uc744 \ud1a0\ub300\ub85c \ud55c \uc735\ud1b5\uc131 \uc788\ub294 \ud22c\uc790 \uc804\ub7b5, \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131, \uadf8\ub9ac\uace0 \ucd5c\uc2e0 \ud540\ud14c\ud06c \uae30\uc220\uc744 \ud65c\uc6a9\ud55c \ud22c\uc790 \uc0ac\ub840\ub4e4\uc744 \ubd84\uc11d\ud558\uc600\uc2b5\ub2c8\ub2e4. \ub9c8\uc9c0\ub9c9 \ub124 \ubc88\uc9f8 \uc139\uc158\uc5d0\uc11c\ub294 \uae00\ub85c\ubc8c \uacbd\uc81c \ub3d9\ud5a5, \uae08\ub9ac \uc778\uc0c1 \ubc0f \uc778\ud50c\ub808\uc774\uc158, \ub514\uc9c0\ud138 \uae08\uc735 \ud601\uc2e0 \ub4f1 \ucd5c\uc2e0 \uacbd\uc81c \uc694\uc18c\ub4e4\uc744 \ubc18\uc601\ud55c \ubbf8\ub798 \ub300\ube44 \uc7ac\ud14c\ud06c \uc804\ub7b5\uacfc \ub9ac\uc2a4\ud06c \uad00\ub9ac \ubc29\ubc95, \uc815\ubd80 \uc815\ucc45\uc758 \ubcc0\ud654\uc5d0 \ub530\ub978 \ub300\uc751 \ubc29\uc548\uc744 \uc124\uba85\ud558\uc600\uc2b5\ub2c8\ub2e4. \uc774 \ubaa8\ub4e0 \uc694\uc18c\ub97c \uc885\ud569\ud568\uc73c\ub85c\uc368, \ub3c5\uc790\ub4e4\uc774 \uc790\uc2e0\uc758 \uae08\uc735 \uac74\uc804\uc131\uc744 \ud655\ubcf4\ud558\uace0, \uc7a5\uae30\uc801\uc73c\ub85c \uc548\uc815\uc801\uc774\uba70 \uc720\uc5f0\ud55c \ud22c\uc790 \uc804\ub7b5\uc744 \uad6c\ucd95\ud560 \uc218 \uc788\ub3c4\ub85d \ub3c4\uc640\uc8fc\uace0\uc790 \ud558\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>30\ub300\uc5d0 \ub4e4\uc5b4\uc11c\uae30 \uc804, \uc2e0\uc6a9\uc810\uc218\ub97c \uc62c\ub824 \uc548\uc815\uc801\uc778 \uc7ac\ud14c\ud06c \uae30\ubc18\uc744 \ub9c8\ub828\ud558\ub294 \uc2e4\uc804 \uc804\ub7b5\uacfc \uad00\ub9ac \ud301\uc744 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