{"id":57973,"date":"2025-05-18T09:11:27","date_gmt":"2025-05-18T00:11:27","guid":{"rendered":"https:\/\/8gfg.shop\/blog\/lifestyle\/how-to-write-a-household-account-book-for-beginners-in-finance"},"modified":"2025-05-18T09:11:30","modified_gmt":"2025-05-18T00:11:30","slug":"how-to-write-a-household-account-book-for-beginners-in-finance","status":"publish","type":"post","link":"https:\/\/8gfg.shop\/blog\/lifestyle\/how-to-write-a-household-account-book-for-beginners-in-finance","title":{"rendered":"\uc7ac\ud14c\ud06c \ucd08\ubcf4\uc790\ub97c \uc704\ud55c \uac00\uacc4\ubd80 \uc791\uc131\ubc95"},"content":{"rendered":"<ul class=\"toc_post_list\">\n<li>\n<h2>\ubaa9\ucc28<\/h2>\n<ul>\n<li><a href=\"#%ec%9e%ac%ed%85%8c%ed%81%ac-%ec%b4%88%eb%b3%b4%ec%9e%90%eb%a5%bc-%ec%9c%84%ed%95%9c-%ea%b0%80%ea%b3%84%eb%b6%80-%ec%9e%91%ec%84%b1%eb%b2%95-OrBcOyXQlq\">\uc7ac\ud14c\ud06c \ucd08\ubcf4\uc790\ub97c \uc704\ud55c \uac00\uacc4\ubd80 \uc791\uc131\ubc95<\/a><\/li>\n<li><a href=\"#1-%ec%98%88%ec%82%b0-%ec%88%98%eb%a6%bd%ec%9d%98-%ea%b8%b0%ec%b4%88%ec%99%80-%eb%aa%a9%ed%91%9c-%ec%84%a4%ec%a0%95-OrBcOyXQlq\">1. \uc608\uc0b0 \uc218\ub9bd\uc758 \uae30\ucd08\uc640 \ubaa9\ud45c \uc124\uc815<\/a><\/li>\n<li><a href=\"#2-%ec%b2%b4%ea%b3%84%ec%a0%81%ec%9d%b8-%ec%88%98%ec%9e%85-%eb%b0%8f-%ec%a7%80%ec%b6%9c-%ea%b8%b0%eb%a1%9d-%eb%b0%a9%eb%b2%95%ea%b3%bc-%ea%b4%80%eb%a6%ac-%ec%a0%84%eb%9e%b5-OrBcOyXQlq\">2. \uccb4\uacc4\uc801\uc778 \uc218\uc785 \ubc0f \uc9c0\ucd9c \uae30\ub85d \ubc29\ubc95\uacfc \uad00\ub9ac \uc804\ub7b5<\/a><\/li>\n<li><a href=\"#3-%eb%8d%b0%ec%9d%b4%ed%84%b0-%eb%b6%84%ec%84%9d-%eb%b0%8f-%ec%9e%ac%eb%ac%b4-%ea%b0%9c%ec%84%a0-%ec%a0%84%eb%9e%b5-OrBcOyXQlq\">3. \ub370\uc774\ud130 \ubd84\uc11d \ubc0f \uc7ac\ubb34 \uac1c\uc120 \uc804\ub7b5<\/a><\/li>\n<li><a href=\"#4-%ec%9e%a5%ea%b8%b0%ec%a0%81%ec%9d%b8-%ec%9e%ac%ed%85%8c%ed%81%ac-%ec%a0%84%eb%9e%b5%ea%b3%bc-%ea%b0%80%ea%b3%84%eb%b6%80%ec%9d%98-%ec%97%ad%ed%95%a0-OrBcOyXQlq\">4. \uc7a5\uae30\uc801\uc778 \uc7ac\ud14c\ud06c \uc804\ub7b5\uacfc \uac00\uacc4\ubd80\uc758 \uc5ed\ud560<\/a><\/li>\n<li><a href=\"#%ea%b0%95%eb%a0%a5%ed%95%9c-%ec%9a%94%ec%95%bd-OrBcOyXQlq\">\uac15\ub825\ud55c \uc694\uc57d<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>    <title id=\"%ec%9e%ac%ed%85%8c%ed%81%ac-%ec%b4%88%eb%b3%b4%ec%9e%90%eb%a5%bc-%ec%9c%84%ed%95%9c-%ea%b0%80%ea%b3%84%eb%b6%80-%ec%9e%91%ec%84%b1%eb%b2%95-OrBcOyXQlq\">\uc7ac\ud14c\ud06c \ucd08\ubcf4\uc790\ub97c \uc704\ud55c \uac00\uacc4\ubd80 \uc791\uc131\ubc95<\/title><\/p>\n<h1 id=\"%ec%9e%ac%ed%85%8c%ed%81%ac-%ec%b4%88%eb%b3%b4%ec%9e%90%eb%a5%bc-%ec%9c%84%ed%95%9c-%ea%b0%80%ea%b3%84%eb%b6%80-%ec%9e%91%ec%84%b1%eb%b2%95-OrBcOyXQlq\">\uc7ac\ud14c\ud06c \ucd08\ubcf4\uc790\ub97c \uc704\ud55c \uac00\uacc4\ubd80 \uc791\uc131\ubc95<\/h1>\n<p>\uc7ac\ud14c\ud06c\ub97c \uc2dc\uc791\ud558\ub294 \ucd08\ubcf4\uc790\uc5d0\uac8c \uc788\uc5b4\uc11c \uccb4\uacc4\uc801\uc778 \uac00\uacc4\ubd80 \uc791\uc131\uc740 \uc7ac\ubb34 \uad00\ub9ac\uc758 \uccab \uac78\uc74c\uc774\uba70, \uc131\uacf5\uc801\uc778 \uc7ac\ud14c\ud06c \uc0dd\ud65c\uc744 \uc704\ud55c \ud544\uc218 \uacfc\uc81c\uc785\ub2c8\ub2e4. \uc624\ub298 \uc774 \uae00\uc5d0\uc11c\ub294 \uc608\uc0b0 \uc218\ub9bd, \uc218\uc785 \ubc0f \uc9c0\ucd9c \uae30\ub85d, \ub370\uc774\ud130 \ubd84\uc11d, \uadf8\ub9ac\uace0 \uc7a5\uae30\uc801\uc778 \uc7ac\ud14c\ud06c \uc804\ub7b5\uc744 \uc544\uc6b0\ub974\ub294 \ub124 \uac00\uc9c0 \uc139\uc158\uc744 \ud1b5\ud574 \uc2ec\ub3c4 \uc788\ub294 \uac00\uacc4\ubd80 \uc791\uc131\ubc95\uc5d0 \ub300\ud574 \ub2e4\ub8e8\uc5b4 \ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \uc804\ubb38\uac00\uc758 \uc2dc\uac01\uc5d0\uc11c \uad6c\uccb4\uc801 \uc0ac\ub840\uc640 \ud1b5\uacc4\ub97c \ubc14\ud0d5\uc73c\ub85c \ud55c \ub0b4\uc6a9\uc744 \uc81c\uacf5\ud568\uc73c\ub85c\uc368 \ub3c5\uc790 \ubd84\ub4e4\uc774 \uc2e4\uc0dd\ud65c\uc5d0 \uc27d\uac8c \uc801\uc6a9\ud560 \uc218 \uc788\ub3c4\ub85d \ub3d5\uace0\uc790 \ud569\ub2c8\ub2e4.<\/p>\n<p>\uc7ac\ud14c\ud06c \ucd08\ubcf4\uc790\ub4e4\uc740 \uc218\uc785\uacfc \uc9c0\ucd9c\uc744 \uba85\ud655\ud788 \ud30c\uc545\ud558\uc9c0 \ubabb\ud560 \uacbd\uc6b0 \ubd88\ud544\uc694\ud55c \uc18c\ube44\ub97c \uc904\uc774\uae30 \uc5b4\ub835\uace0, \ubbf8\ub798\uc758 \uae08\uc735 \uc704\uae30\uc5d0\ub3c4 \ub300\ube44\ud558\uae30 \uc5b4\ub824\uc6cc\uc9d1\ub2c8\ub2e4. \ub530\ub77c\uc11c \uccb4\uacc4\uc801\uc774\uba70 \uc815\ud655\ud55c \uac00\uacc4\ubd80 \uc791\uc131\ubc95\uc740 \uc62c\ubc14\ub978 \uc7ac\uc815 \uacc4\ud68d\uc758 \uae30\ucd08\uac00 \ub429\ub2c8\ub2e4.<\/p>\n<p>\uac00\uacc4\ubd80 \uc791\uc131\uc774 \ub2e8\uc21c\ud788 \uae30\ub85d\uc5d0 \uadf8\uce58\ub294 \uac83\uc774 \uc544\ub2c8\ub77c \uc790\uc2e0\ub9cc\uc758 \uc7ac\uc815 \uc0c1\ud0dc\ub97c \ubd84\uc11d\ud558\uace0, \ud544\uc694\uc5d0 \ub530\ub77c \uac1c\uc120\ud558\ub294 \ub370 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud55c\ub2e4\ub294 \uc810\uc744 \uac15\uc870\ud558\uace0 \uc2f6\uc2b5\ub2c8\ub2e4. \uc774 \uae00\uc5d0\uc11c\ub294 \ub2e8\uacc4\ubcc4 \uc811\uadfc\ubc95\uc744 \uc81c\uc2dc\ud558\uba70, \uc2e4\uc9c8\uc801\uc73c\ub85c \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\ub294 \ub2e4\uc591\ud55c \ub3c4\uad6c\uc640 \ubc29\ubc95\ub4e4\uc744 \uc18c\uac1c\ud560 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\ud2b9\ud788, \ub3c5\uc790 \uc5ec\ub7ec\ubd84\uc774 \uc7ac\ud14c\ud06c\uc5d0 \uc131\uacf5\uc801\uc73c\ub85c \uc785\ubb38\ud560 \uc218 \uc788\ub3c4\ub85d, \ucd08\ubcf4\uc790\uc5d0\uac8c \uc801\ud569\ud55c \uac04\ub2e8\ud558\uace0 \uc2e4\uc6a9\uc801\uc778 \uac00\uacc4\ubd80 \uae30\ub85d\ubc95\ubd80\ud130 \uc2dc\uc791\ud558\uc5ec \ubcf5\uc7a1\ud55c \ub370\uc774\ud130 \ubd84\uc11d \ubc29\ubc95, \uadf8\ub9ac\uace0 \uc7a5\uae30\uc801\uc778 \ud22c\uc790 \uc804\ub7b5\uae4c\uc9c0 \ud3ed\ub113\uac8c \ub2e4\ub8e8\uaca0\uc2b5\ub2c8\ub2e4. \uac01 \uc139\uc158\ub9c8\ub2e4 \ucd5c\uc18c 10\uac1c \uc774\uc0c1\uc758 \ubb38\ub2e8\uc744 \ud1b5\ud574 \ucda9\ubd84\ud55c \uc124\uba85\uacfc \uad6c\uccb4\uc801 \uc0ac\ub840\ub97c \uc81c\uacf5\ud560 \uc608\uc815\uc785\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c, \ucd5c\uadfc\uc758 \uc7ac\ud14c\ud06c \ub3d9\ud5a5\uacfc \ub2e4\uc591\ud55c \uae08\uc735 \ud1b5\uacc4 \uc790\ub8cc\ub97c \ubc14\ud0d5\uc73c\ub85c, \ub3c5\uc790\ub4e4\uc774 \ud604\uc2e4\uc801\uc778 \uae30\ub300\uce58\ub97c \uac16\uace0 \uc811\uadfc\ud560 \uc218 \uc788\ub3c4\ub85d \ub3d5\uaca0\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ud2b9\uc815 \uae08\uc735\uae30\uad00\uc758 \ucd5c\uadfc \ud1b5\uacc4 \ub370\uc774\ud130\ub97c \uc778\uc6a9\ud558\uba70, \uac00\uacc4\ubd80 \uc791\uc131\uc774 \uc2e4\uc81c\ub85c \uc18c\ube44 \ud328\ud134 \uac1c\uc120\uacfc \uc800\ucd95 \uc99d\ub300\uc5d0 \uc5b4\ub5bb\uac8c \uc601\ud5a5\uc744 \ubbf8\ucce4\ub294\uc9c0 \uc0ac\ub840\ub97c \ub4e4\uc5b4 \uc124\uba85\ud560 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\ucd08\ubcf4\uc790\ub4e4\uc774 \ud754\ud788 \uacaa\ub294 \ubb38\uc81c \uc911 \ud558\ub098\ub294 \uc5b4\ub514\uc11c\ubd80\ud130 \uc2dc\uc791\ud574\uc57c \ud560\uc9c0 \ubaa8\ub974\ub294 \uacbd\uc6b0\uc785\ub2c8\ub2e4. \uc774 \uae00\uc5d0\uc11c\ub294 \ub2e8\uacc4\ubcc4\ub85c \uce5c\uc808\ud558\uac8c \uc548\ub0b4\ud558\uba70, \uc218\uc785\uacfc \uc9c0\ucd9c\uc758 \ubd84\ub958 \uae30\uc900, \ud544\uc218\uc801\uc778 \uae30\ub85d \ud56d\ubaa9, \uadf8\ub9ac\uace0 \ubc18\ubcf5\uc801\uc73c\ub85c \ubc1c\uc0dd\ud558\ub294 \ube44\uc6a9\uc5d0 \ub300\ud55c \uad00\ub9ac\ub97c \uc0c1\uc138\ud788 \uc124\uba85\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c \ub514\uc9c0\ud138 \uc2dc\ub300\uc5d0 \ub9de\ucdb0 \ubaa8\ubc14\uc77c \uc571, \uc5d1\uc140 \uc2dc\ud2b8, \uc628\ub77c\uc778 \uac00\uacc4\ubd80 \ud234 \ub4f1 \ub2e4\uc591\ud55c \ub3c4\uad6c\ub4e4\uc744 \ud568\uaed8 \ube44\uad50 \ubd84\uc11d\ud558\uc5ec, \uac01\uc790\uc758 \uc0c1\ud669\uc5d0 \ub9de\ub294 \ucd5c\uc801\uc758 \ubc29\ubc95\uc744 \uc120\ud0dd\ud560 \uc218 \uc788\ub3c4\ub85d \ub3c4\uc640\uc904 \uac83\uc785\ub2c8\ub2e4. \ub3c5\uc790\ub4e4\uc774 \uc2a4\uc2a4\ub85c \uc120\ud0dd\ud560 \uc218 \uc788\ub294 \ub2e4\ucc44\ub85c\uc6b4 \uc635\uc158\uc744 \uc81c\uacf5\ud558\ub294 \uac83\uc774 \uc774 \uae00\uc758 \ud070 \ubaa9\uc801\uc785\ub2c8\ub2e4.<\/p>\n<p>\ucd08\ubcf4\uc790\uc5d0\uac8c \uac00\uacc4\ubd80 \uc791\uc131\ubc95\uc744 \uc804\ub2ec\ud560 \ub54c \uac00\uc7a5 \uc911\uc694\ud55c \uc810\uc740 \uae30\ub85d\uc758 \uc77c\uad00\uc131\uacfc \uafb8\uc900\ud55c \uc5c5\ub370\uc774\ud2b8\uc785\ub2c8\ub2e4. \ub2e8\ubc1c\uc131 \uae30\ub85d\uc774 \uc544\ub2cc, \uc9c0\uc18d\uc801\uc778 \uad00\ub9ac\uac00 \uc7ac\ubb34 \uac74\uc804\uc131\uc744 \uc720\uc9c0\ud558\ub294 \ud575\uc2ec\uc774\uba70, \ubcf8\ubb38\uc5d0\uc11c\ub294 \uadf8 \ubc29\ubc95\ub860\uc744 \uc2ec\uce35\uc801\uc73c\ub85c \ub2e4\ub8f9\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uc774 \uae00\uc740 \ub2e8\uc21c\ud55c \uc774\ub860\uc801 \uc124\uba85\uc5d0 \uadf8\uce58\uc9c0 \uc54a\uace0, \uc2e4\uc81c\ub85c \uc804\ubb38\uac00\ub4e4\uc774 \ucd94\ucc9c\ud558\ub294 \uc7ac\ud14c\ud06c \ud301\uacfc \uc0ac\ub840\ub4e4\uc744 \uad6c\uccb4\uc801\uc73c\ub85c \uc18c\uac1c\ud558\uba70, \uc5ec\ub7ec\ubd84\uc758 \uac00\uacc4\ubd80 \uc791\uc131 \uc5ec\uc815\uc5d0 \ub4e0\ub4e0\ud55c \ub3d9\ubc18\uc790\uac00 \ub418\uc5b4 \ub4dc\ub9b4 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<h2 id=\"1-%ec%98%88%ec%82%b0-%ec%88%98%eb%a6%bd%ec%9d%98-%ea%b8%b0%ec%b4%88%ec%99%80-%eb%aa%a9%ed%91%9c-%ec%84%a4%ec%a0%95-OrBcOyXQlq\">1. \uc608\uc0b0 \uc218\ub9bd\uc758 \uae30\ucd08\uc640 \ubaa9\ud45c \uc124\uc815<\/h2>\n<p>\uc608\uc0b0 \uc218\ub9bd\uc740 \uac00\uacc4\ubd80 \uc791\uc131\uc758 \uccab \ub2e8\uacc4\uc774\uba70, \ubaa8\ub4e0 \uc7ac\ud14c\ud06c \uacc4\ud68d\uc758 \uae30\ubc18\uc744 \ub2e4\uc9c0\ub294 \uc911\uc694\ud55c \uacfc\uc815\uc785\ub2c8\ub2e4. \uc7ac\ud14c\ud06c \ucd08\ubcf4\uc790\ub4e4\uc774 \uac00\uc7a5 \uba3c\uc800 \uae68\ub2ec\uc544\uc57c \ud560 \uac83\uc740 \ubcf8\uc778\uc758 \uae08\uc735 \uc0c1\ud0dc\uc640 \ubaa9\ud45c\ub97c \uba85\ud655\ud788 \uc778\uc2dd\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uc774 \uacfc\uc815\uc5d0\uc11c \uc790\uc2e0\uc758 \uc6d4\ubcc4 \uc218\uc785, \uace0\uc815\uc9c0\ucd9c, \ubcc0\ub3d9\uc9c0\ucd9c \ub4f1\uc744 \uac1d\uad00\uc801\uc73c\ub85c \ubd84\uc11d\ud558\uace0, \ub2e8\uae30 \ubc0f \uc7a5\uae30 \ubaa9\ud45c\ub97c \uc124\uc815\ud558\ub294 \uac83\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub9ce\uc740 \uc804\ubb38\uac00\ub4e4\uc774 \uac15\uc870\ud558\ub294 \ud55c \uac00\uc9c0 \uc8fc\uc694 \ud3ec\uc778\ud2b8\ub294 \u2018\uc2a4\ub9c8\ud2b8 \uc608\uc0b0 \uad00\ub9ac\u2019\uc785\ub2c8\ub2e4. \uc608\uc0b0 \uc218\ub9bd\uc5d0\ub294 \ub2e8\uc21c\ud55c \uc218\uc785\uacfc \uc9c0\ucd9c\uc758 \uae30\ub85d\uc744 \ub118\uc5b4\uc11c, \uc7ac\ubb34 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud558\uae30 \uc704\ud55c \uad6c\uccb4\uc801\uc778 \uc804\ub7b5\uc774 \ud3ec\ud568\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, 2023\ub144 \ud1b5\uacc4\uc5d0 \ub530\ub974\uba74 \ud3c9\uade0 \uac00\uacc4\ubd80 \uae30\ub85d\uc744 \uafb8\uc900\ud788 \uc720\uc9c0\ud55c \uac00\uad6c\uc758 \uc800\ucd95\ub960\uc774 15% \uc774\uc0c1 \uc0c1\uc2b9\ud55c \ubc18\uba74, \uae30\ub85d\ud558\uc9c0 \uc54a\ub294 \uac00\uad6c\ub294 \uadf8\ub807\uc9c0 \ubabb\ud55c \uacb0\uacfc\ub97c \ubcf4\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc608\uc0b0 \uc218\ub9bd \uacfc\uc815\uc740 \ub2e4\uc74c\uacfc \uac19\uc740 \uc911\uc694\ud55c \ub2e8\uacc4\ub85c \uc774\ub8e8\uc5b4\uc9d1\ub2c8\ub2e4. \uccab\uc9f8, \ud604\uc7ac\uc758 \uc7ac\ubb34 \uc0c1\ud0dc\ub97c \ubd84\uc11d\ud558\ub294 \ub2e8\uacc4\ub85c, \uc6d4\ubcc4 \uc18c\ub4dd\uacfc \uc9c0\ucd9c, \ubd80\ucc44\uc640 \uc790\uc0b0\uc744 \uccb4\uacc4\uc801\uc73c\ub85c \uae30\ub85d\ud558\uc5ec \ud604\ud669\uc744 \ud30c\uc545\ud569\ub2c8\ub2e4. \ub458\uc9f8, \ub2e8\uae30\uc801 \ubaa9\ud45c (\uc608: \uc6d4\ubcc4 \uc9c0\ucd9c 10% \uc808\uac10, \uae34\uae09 \uc790\uae08 \ub9c8\ub828 \ub4f1)\uc640 \uc7a5\uae30\uc801 \ubaa9\ud45c (\uc608: \uc8fc\ud0dd \uad6c\uc785, \uc740\ud1f4\uc790\uae08 \ub9c8\ub828 \ub4f1)\ub97c \uc124\uc815\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc140\ud504 \uccb4\ud06c\ub9ac\uc2a4\ud2b8\uc640 \ud53c\ub4dc\ubc31 \uba54\ucee4\ub2c8\uc998\uc744 \ub3c4\uc785\ud558\uc5ec \uc8fc\uae30\uc801\uc73c\ub85c \uc608\uc0b0\uc744 \uc810\uac80\ud558\ub294 \uac83\ub3c4 \ud6a8\uacfc\uc801\uc785\ub2c8\ub2e4. \ub9e4\ub2ec \ud639\uc740 \ubd84\uae30\ubcc4\ub85c \uc7ac\ubb34 \uc0c1\ud0dc\ub97c \uc810\uac80\ud558\uace0, \uacc4\ud68d\uacfc \uc2e4\uc81c \uc9c0\ucd9c\uc744 \ube44\uad50\ud558\uc5ec \uac1c\uc120\uc810\uc744 \ucc3e\ub294 \ubc29\ubc95\uc740 \ub9ce\uc740 \uac00\uacc4\ubd80 \uc0ac\uc6a9\uc790\ub4e4\uc774 \ucd94\ucc9c\ud558\ub294 \uc2e4\ucc9c\ubc95\uc785\ub2c8\ub2e4. \uc2e4\uc81c\ub85c \ubbf8\uad6d\uc758 \ud55c \uc7ac\uc815 \uc804\ubb38\uac00 \uc778\ud130\ubdf0\uc5d0\uc11c\ub294 \u201c\uc8fc\uae30\uc801\uc778 \uc608\uc0b0 \uc810\uac80\uc740 \uc608\uae30\uce58 \ubabb\ud55c \uc18c\ube44\ub97c \uc904\uc774\uace0, \uc7ac\ubb34 \ubaa9\ud45c \ub2ec\uc131\uc5d0 \ud070 \ub3c4\uc6c0\uc744 \uc900\ub2e4\u201d\uace0 \uc774\uc57c\uae30\ud558\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc608\uc0b0 \uc218\ub9bd \uc2dc \uace0\ub824\ud574\uc57c \ud560 \uc694\uc18c\ub4e4\uc740 \ub9e4\uc6b0 \ub2e4\uc591\ud569\ub2c8\ub2e4. \uace0\uc815\uc9c0\ucd9c(\uc6d4\uc138, \ub300\ucd9c \uc0c1\ud658, \ubcf4\ud5d8\ub8cc \ub4f1)\uacfc \ubcc0\ub3d9\uc9c0\ucd9c(\uc2dd\ube44, \uad50\ud1b5\ube44, \uc5ec\uac00\ube44 \ub4f1)\uc744 \uba85\ud655\ud788 \uad6c\ubd84\ud558\uace0, \uc774\ub97c \uae30\ubc18\uc73c\ub85c \ubd88\ud544\uc694\ud55c \uc18c\ube44\ub97c \uc904\uc774\ub294 \uc804\ub7b5\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \ub610\ud55c \uc608\uc0c1\uce58 \ubabb\ud55c \uc0c1\ud669\uc5d0 \ub300\ube44\ud55c &#8216;\ube44\uc0c1\uae08&#8217; \ud56d\ubaa9\uc744 \ubc18\ub4dc\uc2dc \ud3ec\ud568\ud574\uc57c \ud569\ub2c8\ub2e4. \ube44\uc0c1\uae08\uc740 \ud1b5\uacc4\uc801\uc73c\ub85c \ud3c9\uade0 \uac00\uad6c\uc758 3~6\uac1c\uc6d4 \ubd84 \uc0dd\ud65c\ube44\ub97c \uae30\uc900\uc73c\ub85c \uc124\uc815\ud558\ub294 \uac83\uc774 \ubc14\ub78c\uc9c1\ud558\uba70, \uc774\ub294 \ub0af\uc120 \uc0ac\uac74\uc774\ub098 \uae08\uc735 \uc704\uae30\uac00 \ubc1c\uc0dd\ud588\uc744 \ub54c \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<p>\uad6c\uccb4\uc801\uc778 \uc608\ub85c, A\uc528\uc640 B\uc528\uc758 \uc0ac\ub840\ub97c \ube44\uad50\ud574 \ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. A\uc528\ub294 \ub9e4\uc6d4 \uc77c\uc815 \uae08\uc561\uc744 \uace0\uc815\uc9c0\ucd9c\uacfc \ubcc0\ub3d9\uc9c0\ucd9c\ub85c \ub098\ub204\uc5b4 \uae30\ub85d\ud558\uba70, \ubaa9\ud45c\uc5d0 \ub530\ub77c \uc608\uc0b0\uc744 \uafb8\uc900\ud788 \uad00\ub9ac\ud558\uc600\uc2b5\ub2c8\ub2e4. \uadf8 \uacb0\uacfc, 1\ub144 \ub9cc\uc5d0 \ube44\uc0c1\uae08\uc744 300\ub9cc\uc6d0 \ub9c8\ub828\ud558\uc600\uc73c\uba70, \ubd88\ud544\uc694\ud55c \uc9c0\ucd9c\uc744 20% \uc904\uc774\ub294 \uc131\uacfc\ub97c \uac70\ub450\uc5c8\uc2b5\ub2c8\ub2e4. \ubc18\uba74, B\uc528\ub294 \uc608\uc0b0 \uc218\ub9bd \uc5c6\uc774 \uac10\uc5d0 \ub9e1\uaca8 \uc18c\ube44\ud558\uc600\uace0, \uc7ac\uc815 \uc704\uae30\ub97c \ub9de\uc558\uc744 \ub54c \uae09\ud788 \ub300\ucd9c\uc744 \ubc1b\uac8c \ub418\ub294 \uc0c1\ud669\uc774 \ubc1c\uc0dd\ud558\uc600\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc0ac\ub840\ub294 \uccb4\uacc4\uc801\uc778 \uc608\uc0b0 \uc218\ub9bd\uc758 \uc911\uc694\uc131\uc744 \ub2e8\uc801\uc73c\ub85c \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.<\/p>\n<p>\uc608\uc0b0 \ubaa9\ud45c\ub97c \uc124\uc815\ud560 \ub54c\ub294 SMART \uc6d0\uce59(\uad6c\uccb4\uc801, \uce21\uc815 \uac00\ub2a5, \ub2ec\uc131 \uac00\ub2a5, \uad00\ub828\uc131, \uae30\ud55c)\uc744 \ub530\ub974\ub294 \uac83\uc774 \ub9e4\uc6b0 \uc720\uc775\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \u201c3\uac1c\uc6d4 \ub0b4\uc5d0 \uc0dd\ud65c\ube44 \uc911 10%\ub97c \uc808\uac10\ud558\uc5ec \ube44\uc0c1\uae08\uc744 \ub9c8\ub828\ud558\uc790\u201d\ub77c\ub294 \ubaa9\ud45c\ub294 \uad6c\uccb4\uc801\uc774\uba70 \uce21\uc815 \uac00\ub2a5\ud55c \ubaa9\ud45c\ub85c, \uc804\uccb4 \uc7ac\ubb34 \uc804\ub7b5\uc5d0 \uae0d\uc815\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c, \uc608\uc0b0 \uc218\ub9bd \uacfc\uc815\uc5d0 \uc788\uc5b4 \ubaa8\ubc14\uc77c \ubc0f PC \uae30\ubc18\uc758 \ub2e4\uc591\ud55c \uc7ac\ubb34 \uad00\ub9ac \ub3c4\uad6c\ub97c \ud65c\uc6a9\ud558\ub294 \uac83\uc774 \ucd94\ucc9c\ub429\ub2c8\ub2e4. \uc5d1\uc140\uc744 \uc774\uc6a9\ud55c \uae30\ubcf8\uc801\uc778 \uc608\uc0b0 \uad00\ub9ac\ubd80\ud130 \uc2dc\uc791\ud574, \ub2e4\uc591\ud55c \uac00\uacc4\ubd80 \uc571\ub4e4\uc774 \uc81c\uacf5\ud558\ub294 \uc790\ub3d9 \ubd84\uc11d \uae30\ub2a5\uc744 \ud65c\uc6a9\ud558\uba74, \uc0ac\uc6a9\uc790\ub294 \ubcf4\ub2e4 \uc27d\uac8c \uc790\uc2e0\uc758 \uc7ac\uc815 \uc0c1\ud0dc\ub97c \ud30c\uc545\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc544\ub798\uc758 \ubaa9\ub85d\uc740 \ucd08\ubcf4\uc790\ub97c \uc704\ud55c \ucd94\ucc9c \ub3c4\uad6c\uc785\ub2c8\ub2e4.<\/p>\n<ul>\n<li>\uc5d1\uc140 \uae30\ubc18 \uac00\uacc4\ubd80 \ud15c\ud50c\ub9bf<\/li>\n<li>\ubaa8\ubc14\uc77c \uc571 (\uc608: \uba38\ub2c8\ud50c\ub798\ub108, \uac00\uacc4\ubd80 \uc571 \ub4f1)<\/li>\n<li>\ud074\ub77c\uc6b0\ub4dc \uae30\ubc18 \uc7ac\ubb34 \uad00\ub9ac \uc18c\ud504\ud2b8\uc6e8\uc5b4<\/li>\n<li>\uce74\ub4dc\uc0ac \ubc0f \uc740\ud589\uc758 \ud1b5\ud569 \uc7ac\ubb34 \uc11c\ube44\uc2a4<\/li>\n<li>\uc628\ub77c\uc778 \uc7ac\ubb34 \ud3ec\ub7fc \ubc0f \ucee4\ubba4\ub2c8\ud2f0<\/li>\n<\/ul>\n<p>\ub370\uc774\ud130\ub97c \uae30\ubc18\uc73c\ub85c \ud55c \uc138\ubc00\ud55c \uc608\uc0b0 \uacc4\ud68d\uc740 \ub2e8\uc21c\ud788 \ud604\uc7ac\uc758 \uc18c\ube44 \ud328\ud134\uc744 \ud30c\uc545\ud558\ub294 \uac83\uc744 \ub118\uc5b4, \ubbf8\ub798\uc758 \uae08\uc735 \uc548\uc815\uc131\uc744 \uc704\ud55c \ubc11\uac70\ub984\uc774 \ub429\ub2c8\ub2e4. \uc608\uc0b0 \uc218\ub9bd\uc774 \uc81c\ub300\ub85c \uc774\ub8e8\uc5b4\uc84c\uc744 \ub54c, \uc0ac\uc6a9\uc790\ub294 \ubd88\ud544\uc694\ud55c \uc18c\ube44\ub97c \uc904\uc774\uace0, \uc7a5\uae30\uc801\uc778 \ud22c\uc790 \ubc0f \uc800\ucd95 \uacc4\ud68d\uc744 \uc138\uc6b8 \uc218 \uc788\uac8c \ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud504\ub85c\uc138\uc2a4\ub294 \uafb8\uc900\ud55c \uac00\uacc4\ubd80 \uc791\uc131\uacfc \ud53c\ub4dc\ubc31\uc744 \ud1b5\ud574 \uac15\ud654\ub418\uba70, \uc2e4\uc81c\ub85c \ub9ce\uc740 \uc5f0\uad6c\uc5d0\uc11c \uac00\uacc4\ubd80 \uae30\ub85d\uc774 \uc7ac\ubb34 \ub9cc\uc871\ub3c4\ub97c \ub192\uc778\ub2e4\ub294 \uacb0\uacfc\uac00 \ubcf4\uace0\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ud604\uc2e4\uc801\uc778 \ubb38\uc81c\ub4e4\uc744 \ud574\uacb0\ud558\uae30 \uc704\ud574, \uc608\uc0b0 \uc218\ub9bd \uc2dc\uc5d0\ub294 \uc720\ub3d9\ube44\uc640 \uace0\uc815\ube44\ub97c \uba85\ud655\ud788 \uad6c\ubd84\ud558\uace0, \uc2e4\uc81c \uc0dd\ud65c\uc5d0\uc11c \ubc1c\uc0dd\ud558\ub294 \uc608\uc678 \uc0c1\ud669\ub4e4\uc744 \ucda9\ubd84\ud788 \ubc18\uc601\ud55c \uacc4\ud68d\uc744 \uc138\uc6cc\uc57c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uacc4\uc808\uc5d0 \ub530\ub77c \ubcc0\ub3d9\ub418\ub294 \uc804\uae30\uc138\ub098 \ub09c\ubc29\ube44, \ub610\ub294 \uc608\uae30\uce58 \ubabb\ud55c \uc758\ub8cc\ube44 \ub4f1\uc740 \ubbf8\ub9ac \uc608\uc0b0\uc5d0 \ubc18\uc601\ud558\uc5ec \ubd88\ud544\uc694\ud55c \uc2a4\ud2b8\ub808\uc2a4\ub97c \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c \uc608\uc0b0 \uc218\ub9bd\uc758 \uae30\ucd08\uc640 \ubaa9\ud45c \uc124\uc815\uc740 \ub2e8\uae30\uc801\uc778 \ud6a8\uc728\ubfd0\ub9cc \uc544\ub2c8\ub77c \uc7a5\uae30\uc801\uc778 \uc7ac\ubb34 \uacc4\ud68d\uc758 \uacac\uace0\ud55c \uae30\ucd08\ub97c \ub9c8\ub828\ud558\ub294 \uacfc\uc815\uc785\ub2c8\ub2e4. \uc804\ubb38\uac00\ub4e4\uc758 \uc870\uc5b8\uacfc \ucd5c\uadfc \ud1b5\uacc4 \uc790\ub8cc\ub97c \ud1a0\ub300\ub85c, \uc608\uc0b0 \uc218\ub9bd\uc740 \uc7ac\ud14c\ud06c \ucd08\ubcf4\uc790\uac00 \ubc18\ub4dc\uc2dc \ub9c8\uc8fc\ud574\uc57c \ud560 \uac00\uc7a5 \uae30\ucd08\uc801\uc774\uba74\uc11c\ub3c4 \uc911\uc694\ud55c \uacfc\uc815\uc784\uc744 \ub2e4\uc2dc \ud55c \ubc88 \uac15\uc870\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc774\uc640 \uac19\uc774 \uccb4\uacc4\uc801\uc774\uace0 \uac1d\uad00\uc801\uc778 \uc608\uc0b0 \uc218\ub9bd\uc740 \uc7ac\ud14c\ud06c \ucd08\ubcf4\uc790\uc5d0\uac8c \uc548\uc815\uc801\uc778 \uc7ac\ubb34 \uacc4\ud68d\uacfc \ubbf8\ub798\uc758 \uc131\uacf5\uc801\uc778 \ud22c\uc790 \uae30\ubc18\uc744 \ub9c8\ub828\ud558\ub294 \ud544\uc218 \uc694\uc18c\uc785\ub2c8\ub2e4. \uc5ec\ub7ec\ubd84\ub3c4 \uc790\uc2e0\uc758 \uae08\uc735 \uc0c1\ud669\uc744 \uaf3c\uaf3c\ud788 \uc810\uac80\ud558\uace0, SMART \uc6d0\uce59\uc744 \uc801\uc6a9\ud55c \ubaa9\ud45c \uc124\uc815\uc744 \ud1b5\ud574 \uc548\uc815\uc801\uc778 \uc7ac\ud14c\ud06c \uc0dd\ud65c\uc744 \uc2dc\uc791\ud558\uc2dc\uae38 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n<h2 id=\"2-%ec%b2%b4%ea%b3%84%ec%a0%81%ec%9d%b8-%ec%88%98%ec%9e%85-%eb%b0%8f-%ec%a7%80%ec%b6%9c-%ea%b8%b0%eb%a1%9d-%eb%b0%a9%eb%b2%95%ea%b3%bc-%ea%b4%80%eb%a6%ac-%ec%a0%84%eb%9e%b5-OrBcOyXQlq\">2. \uccb4\uacc4\uc801\uc778 \uc218\uc785 \ubc0f \uc9c0\ucd9c \uae30\ub85d \ubc29\ubc95\uacfc \uad00\ub9ac \uc804\ub7b5<\/h2>\n<p>\uac00\uacc4\ubd80\uc758 \uc131\uacf5\uc801\uc778 \uc791\uc131\ubc95\uc740 \uae30\ub85d\uc758 \uc815\ud655\uc131\uacfc \uccb4\uacc4\uc801\uc778 \uad00\ub9ac\uc5d0\uc11c \uc2dc\uc791\ub429\ub2c8\ub2e4. \uc218\uc785\uacfc \uc9c0\ucd9c\uc744 \uc62c\ubc14\ub974\uac8c \uae30\ub85d\ud558\ub294 \uac83\uc740 \uc7ac\ud14c\ud06c \uad00\ub9ac\uc758 \ud575\uc2ec \uc694\uc18c\ub85c, \uc774\ub97c \ud1b5\ud574 \ubcf8\uc778\uc758 \uc18c\ube44 \ud328\ud134\uc744 \uad6c\uccb4\uc801\uc73c\ub85c \ud30c\uc545\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uc139\uc158\uc5d0\uc11c\ub294 \uc218\uc785 \ubc0f \uc9c0\ucd9c\uc744 \ubd84\ub958\ud558\uace0, \uc77c\uc77c, \uc8fc\uac04, \uc6d4\uac04 \ub2e8\uc704\ub85c \uafb8\uc900\ud788 \uae30\ub85d\ud558\ub294 \ubc29\ubc95\uc5d0 \ub300\ud574 \uae4a\uc774 \uc788\uac8c \uc0b4\ud3b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uba3c\uc800, \ucd08\ubcf4\uc790\ub4e4\uc774 \ud754\ud788 \uacaa\ub294 \uc5b4\ub824\uc6c0 \uc911 \ud558\ub098\ub294 \uac01 \ud56d\ubaa9\uc758 \ubd84\ub958\uae30\uc900\uc785\ub2c8\ub2e4. \uc218\uc785\uc740 \uc6d4\uae09, \ubcf4\ub108\uc2a4, \uc784\uc2dc \uc218\uc785 \ub4f1\uc73c\ub85c \ub098\ub20c \uc218 \uc788\uc73c\uba70, \uc9c0\ucd9c\uc740 \uace0\uc815 \uc9c0\ucd9c\uacfc \ubcc0\ub3d9 \uc9c0\ucd9c\ub85c \uad6c\ubd84\ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubd84\ub958 \uc791\uc5c5\uc740 \uc790\uc2e0\uc774 \uc5b4\ub514\uc5d0 \uc5bc\ub9c8\ub9cc\ud07c \ub3c8\uc744 \uc0ac\uc6a9\ud558\ub294\uc9c0 \uba85\ud655\ud558\uac8c \ud30c\uc545\ud560 \uc218 \uc788\ub294 \uc911\uc694\ud55c \uacfc\uc815\uc785\ub2c8\ub2e4. \uc2e4\uc81c\ub85c, \uae08\uc735 \uc804\ubb38\uac00\ub4e4\uc758 \uc5f0\uad6c\uc5d0 \ub530\ub974\uba74 \uccb4\uacc4\uc801\uc778 \ubd84\ub958\ub97c \ud1b5\ud574 \uc9c0\ucd9c\uc758 15~20% \uc774\uc0c1\uc744 \uc808\uac10\ud560 \uc218 \uc788\ub2e4\ub294 \uacb0\uacfc\uac00 \ubcf4\uace0\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc218\uc785 \ubc0f \uc9c0\ucd9c \uae30\ub85d\uc5d0 \uc788\uc5b4 \uac00\uc7a5 \ud070 \uc7a5\uc810\uc740 \uc7ac\uc815 \uc0c1\ud669\uc744 \uc2dc\uac01\ud654\ud560 \uc218 \uc788\ub2e4\ub294 \uc810\uc785\ub2c8\ub2e4. \uae30\ub85d\ub41c \ub370\uc774\ud130\ub97c \ubc14\ud0d5\uc73c\ub85c, \uc790\uc2e0\uc758 \uc18c\ube44 \ud328\ud134\uc774 \uacc4\uc808\ubcc4, \uc0dd\ud65c \uc774\ubca4\ud2b8\ubcc4\ub85c \uc5b4\ub5bb\uac8c \ubcc0\ud654\ud558\ub294\uc9c0 \ud30c\uc545\ud560 \uc218 \uc788\uc73c\uba70, \uc774\ub97c \ud1b5\ud574 \ubd88\ud544\uc694\ud55c \uc18c\ube44\ub97c \uc904\uc774\uace0 \ud6a8\uc728\uc801\uc778 \uc608\uc0b0 \uc870\uc815\uc774 \uac00\ub2a5\ud574\uc9d1\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc5ec\ub984\ucca0\uc5d0\ub294 \uc5d0\uc5b4\ucee8 \uc0ac\uc6a9\uc73c\ub85c \uc778\ud55c \uc804\uae30\ub8cc \uc99d\uac00\uc640 \uac19\uc740 \uacc4\uc808 \ubcc0\ud654\ub3c4 \uae30\ub85d\ub418\uc5b4, \uc18c\ube44 \ud328\ud134\uc5d0 \ub530\ub978 \ub300\ube44\ucc45 \ub9c8\ub828\uc5d0 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<p>\uae30\ub85d \ubc29\ubc95\uc5d0\ub294 \uc218\uae30\ub85c \uc791\uc131\ud558\ub294 \uc544\ub0a0\ub85c\uadf8 \ubc29\uc2dd\uacfc, \uc5d1\uc140\uc774\ub098 \ubaa8\ubc14\uc77c \uc571\uacfc \uac19\uc740 \ub514\uc9c0\ud138 \ub3c4\uad6c\ub97c \ud65c\uc6a9\ud558\ub294 \ubc29\ubc95\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ucd5c\uadfc \uba87 \ub144 \uc0ac\uc774\uc5d0 \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc774 \uc27d\uac8c \uc811\uadfc\ud560 \uc218 \uc788\ub294 \uac00\uacc4\ubd80 \uc571\uc744 \uc0ac\uc6a9\ud558\uba74\uc11c, \uc790\ub3d9 \ubd84\ub958 \ubc0f \uc18c\ube44 \ubd84\uc11d \uae30\ub2a5\uc744 \uc801\uadf9 \ud65c\uc6a9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uac01 \ub3c4\uad6c\ub9c8\ub2e4 \uc7a5\ub2e8\uc810\uc774 \uc788\uc73c\ubbc0\ub85c \uc0ac\uc6a9\ud560 \ub3c4\uad6c\ub294 \ubcf8\uc778\uc758 \uc0ac\uc6a9 \uc2b5\uad00\uacfc \ucde8\ud5a5\uc5d0 \ub9de\uac8c \uc120\ud0dd\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc218\uc785 \ubc0f \uc9c0\ucd9c\uc758 \uccb4\uacc4\uc801\uc778 \uae30\ub85d\uc744 \uc704\ud574 \uc6b0\uc120, \ud558\ub8e8 \ub2e8\uc704\uc758 \uae30\ub85d \uc2b5\uad00\uc744 \ub4e4\uc774\ub294 \uac83\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uc544\uce68\uc5d0 \ud558\ub8e8 \uacc4\ud68d\uc744 \uc138\uc6b0\uace0, \ud558\ub8e8\uac00 \ub05d\ub0a0 \ub54c\ub9c8\ub2e4 \uc2e4\uc81c \uc18c\ube44 \ub0b4\uc5ed\uacfc \ube44\uad50\ud558\ub294 \ubc29\uc2dd\uc740 \ubc18\ubcf5\uc801\uc778 \ud53c\ub4dc\ubc31\uc744 \ud1b5\ud574 \uc18c\ube44 \uc2b5\uad00\uc758 \ubb38\uc81c\uc810\uc744 \uba85\ud655\ud788 \uc778\uc2dd\ud560 \uc218 \uc788\ub3c4\ub85d \ub3d5\uc2b5\ub2c8\ub2e4. \ud55c \uc5f0\uad6c\uc5d0\uc11c\ub294 \ub9e4\uc77c \uae30\ub85d\ud558\ub294 \uc2b5\uad00\uc774 \uc7a5\uae30\uc801\uc73c\ub85c \uc18c\ube44 \ud1b5\uc81c\uc5d0 25% \uc774\uc0c1\uc758 \ud6a8\uacfc\ub97c \ubcf4\uc778\ub2e4\ub294 \ud1b5\uacc4\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c, \uae30\ub85d\ub41c \ub370\uc774\ud130\ub97c \uc8fc\uae30\uc801\uc73c\ub85c \uac80\ud1a0\ud558\ub294 \uc2dc\uac04\uc744 \uac00\uc9c0\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ub9e4\uc8fc \ub610\ub294 \ub9e4\ub2ec \uc815\ud574\uc9c4 \uc2dc\uac04\uc5d0 \uac00\uacc4\ubd80 \ub370\uc774\ud130\ub97c \ubd84\uc11d\ud558\uc5ec, \uc608\uc0c1\uacfc \uc2e4\uc81c \uc18c\ube44 \uac04\uc758 \ucc28\uc774\ub97c \ud30c\uc545\ud558\uace0 \uadf8 \uc6d0\uc778\uc744 \ubd84\uc11d\ud568\uc73c\ub85c\uc368 \uc55e\uc73c\ub85c\uc758 \uc18c\ube44 \ud328\ud134\uc744 \uac1c\uc120\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc544\ub798\uc640 \uac19\uc774 \uc815\ub9ac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<ul>\n<li>\uc77c\uc77c \uae30\ub85d: \ud558\ub8e8 \ub3d9\uc548 \ubc1c\uc0dd\ud55c \ubaa8\ub4e0 \uc218\uc785\uacfc \uc9c0\ucd9c\uc744 \uae30\ub85d<\/li>\n<li>\uc8fc\uac04 \ubd84\uc11d: \ud55c \uc8fc \ub3d9\uc548\uc758 \ub370\uc774\ud130\ub97c \ubaa8\uc544 \uc9c0\ucd9c \ud328\ud134 \ud30c\uc545<\/li>\n<li>\uc6d4\uac04 \uac80\ud1a0: \ubaa9\ud45c \ub300\ube44 \uc2e4\uc81c \uc18c\ube44 \ubd84\uc11d \ubc0f \ud5a5\ud6c4 \uacc4\ud68d \uc218\ub9bd<\/li>\n<li>\ube44\uc0c1\uae08 \ubc0f \uc608\uc0b0 \ucd08\uacfc \ud56d\ubaa9 \uc2dd\ubcc4<\/li>\n<li>\ucd94\uac00 \uc808\uac10 \uac00\ub2a5 \ud56d\ubaa9 \ub3c4\ucd9c<\/li>\n<\/ul>\n<p>\uad6c\uccb4\uc801\uc778 \uc0ac\ub840\ub85c, C\uc528\ub294 \ub9e4\uc77c \uc800\ub141 \uac00\uacc4\ubd80 \uc571\uc5d0 \uc218\uc785\uacfc \uc9c0\ucd9c\uc744 \uae30\ub85d\ud558\uae30 \uc2dc\uc791\ud558\uc600\uc73c\uba70, 3\uac1c\uc6d4 \ud6c4\uc5d0\ub294 \ubd88\ud544\uc694\ud55c \uad6c\ub3c5 \uc11c\ube44\uc2a4\uc640 \ubd88\ud544\uc694\ud55c \uc678\uc2dd\ube44\ub97c \uc904\uc5ec \uc6d4 \ud3c9\uade0 10\ub9cc \uc6d0\uc758 \uc808\uac10 \ud6a8\uacfc\ub97c \ubcf4\uc558\uc2b5\ub2c8\ub2e4. C\uc528\uc758 \uc0ac\ub840\ub294 \uafb8\uc900\ud55c \uae30\ub85d\uc758 \ud798\uc744 \ubcf4\uc5ec\uc8fc\ub294 \uc88b\uc740 \uc608\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uae30\ub85d \uc2b5\uad00\uc740 \ub2e8\uc21c\ud788 \uc18c\ube44 \ud1b5\uc81c\ub97c \ub118\uc5b4\uc11c, \ubcf8\uc778\uc758 \uc7ac\ubb34 \ubaa9\ud45c \ub2ec\uc131\uc744 \uc704\ud55c \uc911\uc694\ud55c \ub3c4\uad6c\ub85c \uc790\ub9ac \uc7a1\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uae30\ub85d \ubc29\ubc95\uc744 \uc2e4\ucc9c\ud558\ub294 \ub370 \uc788\uc5b4\uc11c \uc911\uc694\ud55c \ub610 \ub2e4\ub978 \uc694\uc18c\ub294 \ub370\uc774\ud130\uc758 \uc2e0\ub8b0\uc131\uc785\ub2c8\ub2e4. \uae30\ub85d\uc744 \uc798\ubabb \uc785\ub825\ud558\uac70\ub098 \ub204\ub77d\ud558\ub294 \uacbd\uc6b0 \uc804\uccb4 \ubd84\uc11d \uacb0\uacfc\uc5d0 \uce58\uba85\uc801\uc778 \uc624\ub958\ub97c \ucd08\ub798\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c, \ub9e4\uc77c \uae30\ub85d\ud55c \ub370\uc774\ud130\ub97c \uc8fc\uae30\uc801\uc73c\ub85c \uac80\ud1a0\ud558\uba70, \ubaa8\ub4e0 \ud56d\ubaa9\uc774 \uc815\ud655\ud558\uac8c \uc785\ub825\ub418\uc5c8\ub294\uc9c0 \ud655\uc778\ud558\ub294 \uc2b5\uad00\uc744 \ub4e4\uc774\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ud2b9\ud788 \uc601\uc218\uc99d \uad00\ub9ac, \uce74\ub4dc \uc0ac\uc6a9 \ub0b4\uc5ed\uacfc\uc758 \ub300\uc870\ub294 \ud544\uc218\uc801\uc778 \uc791\uc5c5\uc785\ub2c8\ub2e4.<\/p>\n<p>\uae30\uc220\uc758 \ubc1c\uc804\uc73c\ub85c \uc778\ud574 \ub2e4\uc591\ud55c \uc790\ub3d9\ud654 \uae30\ubc95\ub3c4 \ub4f1\uc7a5\ud558\uc600\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc740\ud589 \uacc4\uc88c\uc640 \uc5f0\ub3d9\ub418\uc5b4 \uc790\ub3d9\uc73c\ub85c \uac70\ub798 \ub0b4\uc5ed\uc744 \uae30\ub85d\ud574 \uc8fc\ub294 \uc2dc\uc2a4\ud15c\uc774\ub098, OCR(\uad11\ud559 \ubb38\uc790 \uc778\uc2dd) \uae30\uc220\uc744 \ud65c\uc6a9\ud574 \uc885\uc774 \uc601\uc218\uc99d\uc744 \uc790\ub3d9\uc73c\ub85c \ub514\uc9c0\ud138\ud654\ud558\ub294 \uc571 \ub4f1\uc774 \ud070 \ub3c4\uc6c0\uc744 \uc8fc\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub3c4\uad6c\ub97c \ud65c\uc6a9\ud558\uba74 \ucd08\ubcf4\uc790\ub3c4 \uc27d\uac8c \uccb4\uacc4\uc801\uc778 \uae30\ub85d\uc744 \uc720\uc9c0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub354\ubd88\uc5b4, \uc7ac\ud14c\ud06c \uc804\ubb38\uac00\ub4e4\uc740 \uc815\uae30\uc801\uc73c\ub85c \uac00\uacc4\ubd80 \ub370\uc774\ud130\ub97c \uc2dc\uac01\ud654\ud558\uc5ec \uc18c\ube44 \ud2b8\ub80c\ub4dc\ub97c \ud30c\uc545\ud560 \uac83\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4. \uadf8\ub798\ud504\uc640 \ucc28\ud2b8\ub97c \ud1b5\ud574 \uc218\uc785\uacfc \uc9c0\ucd9c\uc758 \ubcc0\ub3d9 \ucd94\uc774\ub97c \ud55c\ub208\uc5d0 \ud655\uc778\ud560 \uc218 \uc788\ub294 \uac83\uc740 \uc7ac\uc815 \uad00\ub9ac\uc758 \ud575\uc2ec \uc694\uc18c\uc785\ub2c8\ub2e4. \ub370\uc774\ud130 \uae30\ubc18\uc758 \uc2dc\uac01\uc801 \ubd84\uc11d\uc740 \ub2e8\uc21c\ud55c \uc218\uce58 \uae30\ub85d \uc774\uc0c1\uc758 \uc778\uc0ac\uc774\ud2b8\ub97c \uc81c\uacf5\ud558\uba70, \ubd88\ud544\uc694\ud55c \uc18c\ube44 \ud328\ud134\uc744 \uc27d\uac8c \uc2dd\ubcc4\ud560 \uc218 \uc788\ub3c4\ub85d \ub3c4\uc640\uc90d\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uccb4\uacc4\uc801\uc778 \uc218\uc785 \ubc0f \uc9c0\ucd9c \uae30\ub85d\uc740 \ub2e8\uc21c\ud55c \uae30\ub85d \uc774\uc0c1\uc758 \uc758\ubbf8\ub97c \uac16\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uc18c\ube44 \uc2b5\uad00 \uac1c\uc120, \uc608\uc0b0 \uc870\uc815, \ubbf8\ub798\uc758 \uae08\uc735 \uacc4\ud68d \uc218\ub9bd\uc5d0 \uc774\ub974\uae30\uae4c\uc9c0 \ub2e4\uc591\ud55c \uc601\uc5ed\uc5d0 \uae0d\uc815\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294 \ub3c4\uad6c\uc785\ub2c8\ub2e4. \uae30\ub85d \uc2b5\uad00\uc744 \ud1b5\ud574 \uc790\uc2e0\ub9cc\uc758 \uc7ac\uc815 \uc0c1\ud0dc\ub97c \uba85\ud655\ud558\uac8c \ud30c\uc545\ud558\uace0, \uc774\ub97c \ubc14\ud0d5\uc73c\ub85c \uc2e4\uc9c8\uc801\uc778 \ubcc0\ud654\uc640 \uc131\uc7a5\uc744 \uc774\ub8e8\uc5b4 \ub098\uac08 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc694\uc57d\ud558\uc790\uba74, \uccb4\uacc4\uc801\uc778 \uc218\uc785 \ubc0f \uc9c0\ucd9c \uae30\ub85d\uc740 \uc7ac\ud14c\ud06c \ucd08\ubcf4\uc790\uc5d0\uac8c \uc788\uc5b4 \uc7ac\ubb34 \uac74\uc804\uc131\uc744 \ud655\ubcf4\ud558\ub294 \uccab\uac78\uc74c\uc785\ub2c8\ub2e4. \uafb8\uc900\ud55c \uae30\ub85d \uc2b5\uad00\uacfc \ub370\uc774\ud130 \ubd84\uc11d\uc744 \ud1b5\ud574 \uc790\uc2e0\uc758 \uc18c\ube44 \ud328\ud134\uc744 \uba85\ud655\ud788 \uc778\uc2dd\ud558\uace0, \uc804\ub7b5\uc801\uc73c\ub85c \uc7ac\ubb34 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud560 \uc218 \uc788\ub294 \uae30\ubc18\uc744 \ub9c8\ub828\ud574 \ub098\uac00\uc57c \ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uae30\ub85d \ubc29\ubc95\uacfc \uad00\ub9ac \uc804\ub7b5\uc740 \uc5ec\ub7ec\ubd84\uc774 \ubbf8\ub798\uc758 \ud070 \uc7ac\uc815\uc801 \uc131\uacf5\uc744 \uc704\ud55c \uacac\uace0\ud55c \ud1a0\ub300\ub97c \ub9c8\ub828\ud558\ub294 \ub370 \ud070 \ub3c4\uc6c0\uc774 \ub420 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<h2 id=\"3-%eb%8d%b0%ec%9d%b4%ed%84%b0-%eb%b6%84%ec%84%9d-%eb%b0%8f-%ec%9e%ac%eb%ac%b4-%ea%b0%9c%ec%84%a0-%ec%a0%84%eb%9e%b5-OrBcOyXQlq\">3. \ub370\uc774\ud130 \ubd84\uc11d \ubc0f \uc7ac\ubb34 \uac1c\uc120 \uc804\ub7b5<\/h2>\n<p>\uac00\uacc4\ubd80 \uc791\uc131\uc758 \ud575\uc2ec\uc801\uc778 \uc774\uc810\uc740 \ub2e8\uc21c\ud55c \uae30\ub85d\uc744 \ub118\uc5b4\uc11c, \uadf8 \ub370\uc774\ud130\ub97c \ubd84\uc11d\ud558\uc5ec \uc7ac\ubb34 \uac1c\uc120 \uc804\ub7b5\uc744 \ub3c4\ucd9c\ud560 \uc218 \uc788\ub2e4\ub294 \uc810\uc5d0 \uc788\uc2b5\ub2c8\ub2e4. \uc7ac\ud14c\ud06c \ucd08\ubcf4\uc790\uc758 \uacbd\uc6b0, \uae30\ub85d\ub41c \ub370\uc774\ud130\ub97c \uccb4\uacc4\uc801\uc73c\ub85c \ubd84\uc11d\ud558\ub294 \uac83\uc774 \uc5b4\ub824\uc6b8 \uc218 \uc788\uc73c\ub098, \uc774\ub97c \ud1b5\ud574 \uc18c\ube44 \ud328\ud134\uc744 \uc774\ud574\ud558\uace0 \ud6a8\uc728\uc801\uc778 \uc7ac\ubb34 \uad00\ub9ac \ubc29\uc548\uc744 \ucc3e\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uc139\uc158\uc5d0\uc11c\ub294 \ub370\uc774\ud130 \ubd84\uc11d\uc758 \uae30\ubcf8 \uc6d0\ub9ac\uc640 \uc774\ub97c \ud65c\uc6a9\ud55c \uad6c\uccb4\uc801\uc778 \uc7ac\ubb34 \uac1c\uc120 \uc804\ub7b5\uc5d0 \ub300\ud574 \uc2ec\ub3c4 \uc788\uac8c \ub17c\uc758\ud569\ub2c8\ub2e4.<\/p>\n<p>\uccab \ubc88\uc9f8 \ub2e8\uacc4\ub294 \uae30\ub85d\ub41c \ub370\uc774\ud130\ub97c \uc815\ub9ac\ud558\uc5ec \uc2dc\uac01\uc801\uc778 \uc790\ub8cc\ub85c \ub9cc\ub4dc\ub294 \uacfc\uc815\uc785\ub2c8\ub2e4. \uc5d1\uc140\uc774\ub098 \uae30\ud0c0 \uac00\uacc4\ubd80 \uc571\uc744 \ud65c\uc6a9\ud558\uba74 \uc218\uc785\uacfc \uc9c0\ucd9c \ub370\uc774\ud130\ub97c \uadf8\ub798\ud504, \ucc28\ud2b8 \ub4f1\uc73c\ub85c \uc2dc\uac01\ud654\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ud30c\uc774 \ucc28\ud2b8\ub098 \ub9c9\ub300 \uadf8\ub798\ud504\ub97c \ud1b5\ud574 \uc6d4\ubcc4 \uc18c\ube44 \ube44\uc728\uc744 \ud55c\ub208\uc5d0 \ubcf4\uac8c \ub418\uba74, \uace0\uc815\uc9c0\ucd9c\uacfc \ubcc0\ub3d9\uc9c0\ucd9c\uc758 \ube44\uc728, \ub610\ub294 \ud2b9\uc815 \ud56d\ubaa9\uc5d0 \uacfc\ub3c4\ud558\uac8c \uc9c0\ucd9c\ub418\ub294 \ubd80\ubd84\uc744 \uc27d\uac8c \ud30c\uc545\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub370\uc774\ud130 \ubd84\uc11d\uc744 \uc704\ud55c \uae30\ucd08 \ub3c4\uad6c\ub85c \uc5d1\uc140\uc744 \ud65c\uc6a9\ud558\ub294 \ubc29\ubc95\uc744 \uc18c\uac1c\ud558\uba74, \ub2e4\uc74c\uacfc \uac19\uc774 \uac04\ub2e8\ud55c \ucf54\ub4dc \uc608\uc81c\uc640 \ud568\uaed8 \uc815\ub9ac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc544\ub798 \ucf54\ub4dc\ub294 \uac04\ub2e8\ud55c \uc6d4\ubcc4 \uc9c0\ucd9c \ub370\uc774\ud130\ub97c \ubc14\ud0d5\uc73c\ub85c \ucc28\ud2b8\ub97c \uc0dd\uc131\ud558\ub294 \uc608\uc785\ub2c8\ub2e4.<\/p>\n<pre><code>import matplotlib.pyplot as plt\n# \uc608\uc2dc \uc6d4\ubcc4 \uc9c0\ucd9c \ub370\uc774\ud130\nmonths = ['1\uc6d4', '2\uc6d4', '3\uc6d4', '4\uc6d4', '5\uc6d4']\nexpenses = [500, 650, 600, 700, 550]\nplt.bar(months, expenses)\nplt.title('\uc6d4\ubcc4 \uc9c0\ucd9c \ub0b4\uc5ed')\nplt.xlabel('\uc6d4')\nplt.ylabel('\uc9c0\ucd9c \uae08\uc561 (\ucc9c\uc6d0)')\nplt.show()<\/code><\/pre>\n<\/p>\n<p>\uc704\uc758 \uc608\uc2dc\uc640 \uac19\uc774 \ub370\uc774\ud130 \ubd84\uc11d \ub3c4\uad6c\ub97c \ud65c\uc6a9\ud558\uba74, \uc790\uc2e0\uc758 \uc18c\ube44 \ud589\ud0dc\ub97c \uac1d\uad00\uc801\uc73c\ub85c \ud3c9\uac00\ud560 \uc218 \uc788\uc73c\uba70, \uc774\ud6c4 \uac1c\uc120 \ubc29\ud5a5\uc744 \uc124\uc815\ud558\ub294 \ub370 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \uc5f0\uad6c \uacb0\uacfc\uc5d0 \ub530\ub974\uba74, \uc790\uc2e0\uc758 \uc18c\ube44 \ub370\uc774\ud130\ub97c \uc2dc\uac01\ud654\ud55c \uc0ac\uc6a9\uc790\ub4e4\uc740 \uadf8\ub807\uc9c0 \uc54a\uc740 \uc0ac\uc6a9\uc790\ub4e4\uc5d0 \ube44\ud574 30% \uc774\uc0c1 \uc18c\ube44 \ud6a8\uc728\uc744 \uac1c\uc120\ud55c \uc0ac\ub840\uac00 \ubcf4\uace0\ub41c \ubc14 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub370\uc774\ud130 \ubd84\uc11d\uc758 \ub610 \ub2e4\ub978 \uc7a5\uc810\uc740 \uc18c\ube44 \ud328\ud134\uc758 \uc7a5\uae30\uc801\uc778 \ubcc0\ud654 \ucd94\uc774\ub97c \ud655\uc778\ud560 \uc218 \uc788\ub2e4\ub294 \uc810\uc785\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, 1\ub144 \ub3d9\uc548\uc758 \uac00\uacc4\ubd80 \ub370\uc774\ud130\ub97c \ubd84\uc11d\ud558\uba74 \uacc4\uc808\ub9c8\ub2e4 \uc18c\ube44\ud558\ub294 \ud56d\ubaa9\uc774\ub098, \ud2b9\uc815 \uc774\ubca4\ud2b8\uc5d0 \ub530\ub978 \ube44\uc6a9 \uc99d\uac10\uc744 \ud30c\uc545\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc815\ubcf4\ub294 \uc55e\uc73c\ub85c\uc758 \uc608\uc0b0 \uc218\ub9bd \ubc0f \uc18c\ube44 \uc870\uc808\uc744 \uc704\ud55c \uadc0\uc911\ud55c \uc790\ub8cc\ub85c \ud65c\uc6a9\ub429\ub2c8\ub2e4.<\/p>\n<p>\uad6c\uccb4\uc801\uc73c\ub85c, \ub370\uc774\ud130\ub97c \ubd84\uc11d\ud560 \ub54c \ub2e4\uc74c\uc758 \uc804\ub7b5\ub4e4\uc744 \uace0\ub824\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<ul>\n<li>\uace0\uc815\uc9c0\ucd9c\uacfc \ubcc0\ub3d9\uc9c0\ucd9c\uc758 \ube44\uc728 \ubd84\uc11d<\/li>\n<li>\uc8fc\uc694 \uc18c\ube44 \ud56d\ubaa9\ubcc4 \uc9c0\ucd9c \uc99d\uac10 \ucd94\uc774 \ud30c\uc545<\/li>\n<li>\ube44\uc815\uae30\uc801 \uc9c0\ucd9c \ubc1c\uc0dd \uc6d0\uc778 \ubc0f \ube48\ub3c4 \ubd84\uc11d<\/li>\n<li>\uc7ac\ubb34 \ubaa9\ud45c \ub300\ube44 \uc2e4\uc81c \uc18c\ube44 \ud328\ud134 \ube44\uad50<\/li>\n<li>\ube44\uc0c1\uae08 \ubc0f \uc800\ucd95\uc561 \ubcc0\ud654 \ubd84\uc11d<\/li>\n<\/ul>\n<p>\uc2e4\uc81c \uc0ac\ub840\ub85c, D\uc528\ub294 1\ub144\uac04\uc758 \uac00\uacc4\ubd80 \ub370\uc774\ud130\ub97c \ubd84\uc11d\ud558\uc5ec \ub9e4\uc6d4 \ubcc0\ub3d9\uc9c0\ucd9c \uc911 \ubd88\ud544\uc694\ud55c \uc5ec\uac00\ube44\uc640 \uc678\uc2dd\ube44\uac00 \uc804\uccb4 \uc18c\ube44\uc758 25%\ub97c \ucc28\uc9c0\ud55c\ub2e4\ub294 \uc0ac\uc2e4\uc744 \ubc1c\uacac\ud558\uc600\uc2b5\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \uc5ec\uac00\ube44\uc640 \uc678\uc2dd\ube44\ub97c \uc870\uc815\ud558\uc5ec \uc6d4 \ud3c9\uade0 15\ub9cc \uc6d0\uc758 \uc808\uac10\uc744 \uc2e4\ud604\ud558\uc600\uc73c\uba70, \uadf8 \uacb0\uacfc 1\ub144 \ub0b4\uc5d0 \ube44\uc0c1\uae08\uacfc \uc800\ucd95\uc561\uc774 \ub208\uc5d0 \ub744\uac8c \uc99d\uac00\ud558\ub294 \uc131\uacfc\ub97c \uac70\ub450\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c, \ub370\uc774\ud130 \ubd84\uc11d\uc744 \ud1b5\ud574 \uc54c\uac8c \ub41c \uc18c\ube44 \ud328\ud134\uc744 \ubc14\ud0d5\uc73c\ub85c \uc18c\ube44 \ubaa9\ud45c\ub97c \uc7ac\uc124\uc815\ud558\uace0, \uac1c\uc120\ub41c \uc7ac\ubb34 \uc804\ub7b5\uc744 \uc218\ub9bd\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ud2b9\uc815 \uae30\uac04\uc5d0 \uc9c0\ucd9c\uc774 \uae09\uc99d\ud588\ub358 \ud56d\ubaa9\uc5d0 \ub300\ud574 \uc0ac\uc804\uc5d0 \uc774\ubca4\ud2b8 \uacc4\ud68d\uc744 \ubcc0\uacbd\ud558\uac70\ub098, \ud560\uc778 \uc815\ubcf4\ub97c \ubbf8\ub9ac \ud30c\uc545\ud558\uc5ec \ubd88\ud544\uc694\ud55c \uc18c\ube44\ub97c \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c\ub85c \uc77c\ubcf8\uc758 \ud55c \uae08\uc735 \uc5f0\uad6c\uc18c\uc5d0\uc11c\ub294 \ub370\uc774\ud130 \uae30\ubc18 \uc18c\ube44 \uad00\ub9ac \ud504\ub85c\uadf8\ub7a8\uc744 \ub3c4\uc785\ud55c \uac00\uad6c\ub4e4\uc774 \ud3c9\uade0 18%\uc758 \uc18c\ube44 \uc808\uac10 \ud6a8\uacfc\ub97c \ubcf4\uc600\ub2e4\uace0 \ubc1c\ud45c\ud55c \ubc14 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub370\uc774\ud130 \ubd84\uc11d \uacfc\uc815\uc5d0\uc11c \uc911\uc694\ud55c \ub610 \ub2e4\ub978 \uc694\uc18c\ub294 \uc8fc\uae30\uc801\uc778 \ub9ac\ubdf0\uc785\ub2c8\ub2e4. \uc6d4\uac04 \ud639\uc740 \ubd84\uae30\ubcc4\ub85c \uc790\uc2e0\uc758 \uac00\uacc4\ubd80 \ub370\uc774\ud130\ub97c \uc7ac\uac80\ud1a0\ud558\uc5ec, \uc18c\ube44 \ud328\ud134\uacfc \uc7ac\ubb34 \ubaa9\ud45c \ub2ec\uc131 \uc5ec\ubd80\ub97c \ud3c9\uac00\ud558\uace0, \uac1c\uc120 \ubc29\uc548\uc744 \ub9c8\ub828\ud558\ub294 \uc804\ub7b5\uc740 \uc7a5\uae30\uc801 \uc7ac\ud14c\ud06c \uc131\uacf5\uc5d0 \uacb0\uc815\uc801\uc778 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uc804\ubb38\uac00\ub4e4\uc740 6\uac1c\uc6d4\ub9c8\ub2e4 \ub370\uc774\ud130 \ub9ac\ubdf0\ub97c \uc2e4\uc2dc\ud560 \uac83\uc744 \uad8c\uc7a5\ud558\uba70, \uc774\ub97c \ud1b5\ud574 \uc18c\ube44 \uc2b5\uad00\uc758 \ubbf8\uc138\ud55c \ubcc0\ud654\ub3c4 \uc989\uac01\uc801\uc778 \ub300\uc751\uc774 \uac00\ub2a5\ud574\uc9c4\ub2e4\uace0 \uc870\uc5b8\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c, \ub370\uc774\ud130 \ubd84\uc11d\uc740 \ub2e8\uc21c\ud55c \uc22b\uc790\uc758 \ub098\uc5f4\uc774 \uc544\ub2c8\ub77c, \uadf8 \uc18d\uc5d0\uc11c \uc758\ubbf8\ub97c \ucc3e\uc544\ub0b4\ub294 \uc791\uc5c5\uc785\ub2c8\ub2e4. \uac01 \ud56d\ubaa9 \uac04\uc758 \uc0c1\uad00\uad00\uacc4\ub97c \ud30c\uc545\ud558\uace0, \uc608\ub97c \ub4e4\uc5b4 \u2018\uc6d4\ub9d0\uc5d0 \uae09\uaca9\ud788 \uc99d\uac00\ud558\ub294 \uc9c0\ucd9c\u2019 \ud639\uc740 \u2018\uc5f0\ucd08\uc640 \uc5f0\ub9d0\uc758 \uc18c\ube44 \ud328\ud134 \ucc28\uc774\u2019\ub97c \uc774\ud574\ud568\uc73c\ub85c\uc368 \ubbf8\ub798\uc758 \uc18c\ube44 \ud2b8\ub80c\ub4dc\ub97c \uc608\uce21\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubd84\uc11d\uc740 \ub2e8\uc21c\ud788 \uae30\ub85d\uc5d0 \uba38\ubb34\ub974\uc9c0 \uc54a\uace0, \ud5a5\ud6c4 \uc7ac\ubb34 \uacc4\ud68d\uacfc \ud22c\uc790 \uc804\ub7b5 \uc218\ub9bd\uc5d0 \uc788\uc5b4 \uc911\ucd94\uc801\uc778 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4.<\/p>\n<p>\uc5c5\uacc4 \ub3d9\ud5a5\uc744 \ubcf4\uba74, \ub9ce\uc740 \uae08\uc735\uae30\uad00\uc5d0\uc11c \uace0\uac1d\uc758 \uac00\uacc4\ubd80 \ub370\uc774\ud130\ub97c \ubd84\uc11d\ud558\uc5ec \ub9de\ucda4\ud615 \uae08\uc735 \uc0c1\ud488\uc744 \ucd94\ucc9c\ud558\ub294 \uc11c\ube44\uc2a4\uac00 \ub4f1\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\uc640 \uac19\uc774 \ub370\uc774\ud130 \ubd84\uc11d\uc740 \uac1c\uc778\uc758 \uc18c\ube44 \ud328\ud134\ubfd0\ub9cc \uc544\ub2c8\ub77c, \uae08\uc735 \uc2dc\uc7a5\uc758 \uc804\uccb4\uc801\uc778 \ud750\ub984\uc744 \ud30c\uc545\ud558\ub294 \ub370\uc5d0\ub3c4 \ud65c\uc6a9\ub418\uace0 \uc788\uc73c\uba70, \uc7ac\ud14c\ud06c \ucd08\ubcf4\uc790\uc5d0\uac8c\ub3c4 \ud070 \ub3c4\uc6c0\uc774 \ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \ub370\uc774\ud130 \ubd84\uc11d \ubc0f \uc7ac\ubb34 \uac1c\uc120 \uc804\ub7b5\uc740 \ub2e8\uae30\uc801\uc778 \uc808\uac10 \ud6a8\uacfc\ub97c \ub118\uc5b4\uc11c \uc7a5\uae30\uc801 \uc7ac\uc815 \uc548\uc815\uc131\uc744 \uac00\uc838\uc624\ub294 \ud575\uc2ec \ub3c4\uad6c\uc785\ub2c8\ub2e4. \uafb8\uc900\ud788 \ub370\uc774\ud130\ub97c \ucd95\uc801\ud558\uace0, \uc774\ub97c \uc815\ud655\ud788 \ubd84\uc11d\ud558\uc5ec \uc18c\ube44 \ud328\ud134\uc744 \uac1c\uc120\ud574 \ub098\uac04\ub2e4\uba74, \ubd88\ud544\uc694\ud55c \uc18c\ube44\ub294 \uc904\uc5b4\ub4e4\uace0 \uc800\ucd95 \ubc0f \ud22c\uc790\ub85c \uc774\uc5b4\uc9c8 \uc218 \uc788\ub294 \ud2bc\ud2bc\ud55c \uc7ac\ubb34 \uae30\ubc18\uc744 \ub9c8\ub828\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc811\uadfc \ubc29\uc2dd\uc740 \ub2e8\uc21c\ud788 \ud1b5\uacc4\uc801 \ubd84\uc11d\uc5d0 \uba38\ubb34\ub974\uc9c0 \uc54a\uace0, \uc2e4\uc9c8\uc801\uc73c\ub85c \uc0dd\ud65c\uc758 \uc9c8\uc744 \ub192\uc774\ub294 \ub370 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4.<\/p>\n<p>\uc815\ub9ac\ud558\uc790\uba74, \uc815\ud655\ud558\uace0 \uccb4\uacc4\uc801\uc778 \ub370\uc774\ud130 \ubd84\uc11d\uc740 \uc7ac\ubb34 \uac1c\uc120\uc758 \uccab \uac78\uc74c\uc774\uba70, \uc774\ub97c \ud1b5\ud574 \uc7ac\ud14c\ud06c \ucd08\ubcf4\uc790\ub294 \ubcf4\ub2e4 \uad6c\uccb4\uc801\uc774\uace0 \uc2e4\uc9c8\uc801\uc778 \uac1c\uc120 \uc804\ub7b5\uc744 \ub9c8\ub828\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub370\uc774\ud130 \uae30\ubc18\uc758 \uc18c\ube44 \ubd84\uc11d\uc740 \ubbf8\ub798\uc5d0 \ubc1c\uc0dd\ud560 \uc218 \uc788\ub294 \ub2e4\uc591\ud55c \uc7ac\uc815 \ubb38\uc81c\ub97c \ubbf8\ub9ac \uc608\ubc29\ud560 \uc218 \uc788\ub294 \uac15\ub825\ud55c \ub3c4\uad6c\ub85c, \uafb8\uc900\ud788 \uae30\ub85d\ub41c \ub370\uc774\ud130\ub97c \ud65c\uc6a9\ud558\uc5ec \uc7ac\ubb34 \uac74\uc804\uc131\uc744 \ub192\uc774\ub294 \uac83\uc774 \ud575\uc2ec\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc774\uc640 \uac19\uc774 \ub370\uc774\ud130 \ubd84\uc11d\uc744 \ud1b5\ud55c \uc7ac\ubb34 \uac1c\uc120\uc740, \ub2e8\uc21c\ud55c \uae30\ub85d \uc791\uc5c5\uc744 \ub118\uc5b4 \uc2e4\uc81c \uc7ac\ud14c\ud06c \ubaa9\ud45c \ub2ec\uc131\uc744 \uc704\ud55c \uc804\ub7b5\uc801 \uc218\ub2e8\uc785\ub2c8\ub2e4. \uc5ec\ub7ec\ubd84\ub3c4 \uccb4\uacc4\uc801\uc778 \ub370\uc774\ud130 \uad00\ub9ac\uc640 \uc8fc\uae30\uc801\uc778 \ubd84\uc11d\uc744 \ud1b5\ud574, \uc790\uc2e0\uc758 \uc7ac\ubb34 \uc0c1\ud0dc\ub97c \uba74\ubc00\ud788 \uc810\uac80\ud558\uace0 \uac1c\uc120\ud574 \ub098\uac00\uae38 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n<h2 id=\"4-%ec%9e%a5%ea%b8%b0%ec%a0%81%ec%9d%b8-%ec%9e%ac%ed%85%8c%ed%81%ac-%ec%a0%84%eb%9e%b5%ea%b3%bc-%ea%b0%80%ea%b3%84%eb%b6%80%ec%9d%98-%ec%97%ad%ed%95%a0-OrBcOyXQlq\">4. \uc7a5\uae30\uc801\uc778 \uc7ac\ud14c\ud06c \uc804\ub7b5\uacfc \uac00\uacc4\ubd80\uc758 \uc5ed\ud560<\/h2>\n<p>\uc7ac\ud14c\ud06c\uc758 \uad81\uadf9\uc801\uc778 \ubaa9\ud45c\ub294 \ub2e8\uae30\uac04\uc758 \uc808\uc57d\uc744 \ub118\uc5b4, \uc9c0\uc18d \uac00\ub2a5\ud55c \uc7ac\ubb34 \uc548\uc815\uc131\uacfc \ubd80\uc758 \uc99d\ub300\ub97c \uc774\ub8e8\ub294 \uac83\uc785\ub2c8\ub2e4. \uc774 \uacfc\uc815\uc5d0\uc11c \uac00\uacc4\ubd80\ub294 \ub2e8\uc21c\ud55c \uc18c\ube44 \uae30\ub85d \ub3c4\uad6c\ub97c \ub118\uc5b4, \uc7a5\uae30\uc801\uc778 \uc7ac\ud14c\ud06c \uc804\ub7b5\uc758 \ud575\uc2ec \uae30\ubc18\uc774 \ub429\ub2c8\ub2e4. \uc774 \uc139\uc158\uc5d0\uc11c\ub294 \uc7a5\uae30 \ud22c\uc790, \uae08\uc735 \uc2dc\uc7a5\uc758 \ub3d9\ud5a5 \ubd84\uc11d, \uadf8\ub9ac\uace0 \uac00\uacc4\ubd80\uac00 \uc7ac\ud14c\ud06c\uc5d0 \ub07c\uce58\ub294 \uae0d\uc815\uc801 \uc601\ud5a5\uc744 \uc2ec\ub3c4 \uc788\uac8c \ub17c\uc758\ud558\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uba3c\uc800, \uc7a5\uae30\uc801\uc778 \uc7ac\ud14c\ud06c \uc804\ub7b5\uc744 \uc138\uc6b0\uae30 \uc704\ud574\uc11c\ub294 \ud604\uc7ac\uc758 \uc18c\ube44 \ud328\ud134\uacfc \uc7ac\ubb34 \uc0c1\ud0dc\ub97c \uba74\ubc00\ud788 \ud30c\uc545\ud574\uc57c \ud569\ub2c8\ub2e4. \uae30\ubcf8\uc801\uc73c\ub85c \uac00\uacc4\ubd80\ub97c \ud1b5\ud574 \uc218\uc9d1\ub41c \ub370\uc774\ud130\ub294 \ubbf8\ub798\uc758 \ud22c\uc790 \uacc4\ud68d\uc744 \uc218\ub9bd\ud558\ub294 \ub370 \uc911\uc694\ud55c \uc790\ub8cc\ub85c \ud65c\uc6a9\ub429\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc9c0\ub09c 5\ub144\uac04\uc758 \uac00\uacc4\ubd80 \ub370\uc774\ud130\ub97c \ubd84\uc11d\ud558\uc5ec \uacfc\uac70\uc758 \uc18c\ube44 \ud328\ud134, \uc800\ucd95\ub960, \ud22c\uc790 \uc218\uc775\ub960 \ub4f1\uc744 \uc815\ub9ac\ud558\uba74, \ubbf8\ub798\uc5d0 \uc5b4\ub5a4 \uae08\uc735 \uc0c1\ud488\uc5d0 \ud22c\uc790\ud560\uc9c0\uc5d0 \ub300\ud55c \ud310\ub2e8 \uadfc\uac70\uac00 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ucd5c\uadfc \uae08\uc735 \uc2dc\uc7a5\uc758 \ub3d9\ud5a5\uc744 \uc0b4\ud3b4\ubcf4\uba74, \ub514\uc9c0\ud138 \uc790\uc0b0, \ud540\ud14c\ud06c, \uadf8\ub9ac\uace0 ESG \ud22c\uc790 \ub4f1\uc774 \uc8fc\ubaa9\ubc1b\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubcc0\ud654 \uc18d\uc5d0\uc11c\ub3c4 \uc548\uc815\uc801\uc778 \uc7ac\ubb34 \uad00\ub9ac\ub97c \uc704\ud574\uc11c\ub294 \uae30\ubcf8\uc5d0 \ucda9\uc2e4\ud55c \uac00\uacc4\ubd80 \uc791\uc131\uacfc \uad00\ub9ac\uac00 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uc2e4\uc81c\ub85c, \ubbf8\uad6d\uc758 \ud55c \uc870\uc0ac \uacb0\uacfc\uc5d0 \ub530\ub974\uba74, \uccb4\uacc4\uc801\uc778 \uac00\uacc4\ubd80\ub97c \ud65c\uc6a9\ud558\ub294 \ud22c\uc790\uc790\ub4e4\uc774 \uadf8\ub807\uc9c0 \uc54a\uc740 \ud22c\uc790\uc790\ub4e4\uc5d0 \ube44\ud574 \ud3c9\uade0 20% \uc774\uc0c1\uc758 \ud22c\uc790 \uc218\uc775\ub960 \uc0c1\uc2b9 \ud6a8\uacfc\ub97c \ubcf4\uc600\ub2e4\uace0 \ubcf4\uace0\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc7a5\uae30\uc801\uc778 \uc7ac\ud14c\ud06c \uc804\ub7b5\uc744 \uc218\ub9bd\ud558\uae30 \uc704\ud55c \ud575\uc2ec \uc694\uc18c \uc911 \ud558\ub098\ub294 \uc815\uae30\uc801\uc778 \uc7ac\ubb34 \uc810\uac80\uacfc \ubaa9\ud45c \uc7ac\uc124\uc815\uc785\ub2c8\ub2e4. \ub9e4\ub144 \ud639\uc740 \ubd84\uae30\ubcc4\ub85c \uc790\uc2e0\uc758 \uc7ac\ubb34 \uc0c1\ud0dc\ub97c \ud3c9\uac00\ud558\uace0, \uadf8\uc5d0 \ub530\ub77c \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uc870\uc815\ud558\ub294 \uac83\uc740 \ubbf8\ub798\uc758 \uae08\uc735 \uc704\uae30\uc5d0 \ub300\ube44\ud558\ub294 \uac00\uc7a5 \ud655\uc2e4\ud55c \ubc29\ubc95\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc810\uac80 \uacfc\uc815\uc5d0\uc11c \uac00\uacc4\ubd80 \ub370\uc774\ud130\ub294 \uc18c\ube44\uc640 \uc800\ucd95, \ud22c\uc790 \ud604\ud669\uc744 \uc885\ud569\uc801\uc73c\ub85c \ud30c\uc545\ud560 \uc218 \uc788\ub294 \uadc0\uc911\ud55c \ub3c4\uad6c\ub85c \uc791\uc6a9\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c, \uc7ac\ud14c\ud06c \uc804\ubb38\uac00\ub4e4\uc740 \uc7a5\uae30 \uc790\uc0b0 \uc99d\ub300\ub97c \uc704\ud574 \ubd84\uc0b0 \ud22c\uc790\uc640 \ub9ac\uc2a4\ud06c \uad00\ub9ac\uc758 \uc911\uc694\uc131\uc744 \uac15\uc870\ud569\ub2c8\ub2e4. \uac00\uacc4\ubd80\ub97c \ud1b5\ud574 \uace0\uc815 \uc9c0\ucd9c\uacfc \ubcc0\ub3d9 \uc9c0\ucd9c, \uc800\ucd95\uc561, \uadf8\ub9ac\uace0 \uc5ec\uc720 \uc790\uae08\uc744 \uba85\ud655\ud788 \uc778\uc2dd\ud558\uba74, \ud22c\uc790\uc5d0 \uc55e\uc11c \ubc18\ub4dc\uc2dc \uace0\ub824\ud574\uc57c \ud560 \uc7ac\uc815\uc801 \uc5ec\uc720\ub97c \ud30c\uc545\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ud22c\uc790 \uc804 \ubc18\ub4dc\uc2dc \ub9c8\ub828\ud574 \ub450\uc5b4\uc57c \ud560 \ube44\uc0c1\uae08\uacfc \ub2e8\uae30 \uc720\ub3d9 \uc790\uc0b0\uc758 \ube44\uc728\uc744 \uc815\ub9ac\ud558\uba74, \uc2dc\uc7a5\uc758 \ubcc0\ub3d9\uc5d0\ub3c4 \ub300\ube44\ud560 \uc218 \uc788\ub294 \uc548\uc804\ub9dd\uc744 \uad6c\ucd95\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub2e4\uc591\ud55c \ud22c\uc790 \uc0ac\ub840\ub97c \uc0b4\ud3b4\ubcf4\uba74, \uc7a5\uae30\uc801\uc778 \uc7ac\ud14c\ud06c \uc804\ub7b5\uc744 \ud1b5\ud574 \uc790\uc0b0\uc744 \uc9c0\uc18d\uc801\uc73c\ub85c \uc99d\ub300\uc2dc\ud0a8 \uc0ac\ub840\ub294 \uacb0\ucf54 \ub4dc\ubb3c\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c\ub85c, \uc5b4\ub290 \ud22c\uc790 \uc804\ubb38\uac00\uc758 \uc0ac\ub840\uc5d0\uc11c\ub294, \uafb8\uc900\ud55c \uac00\uacc4\ubd80 \uae30\ub85d\uacfc \ubd84\uc11d\uc744 \ud1b5\ud574 \uc6d4\ubcc4 \uc18c\ube44 \ud328\ud134\uc744 \uac1c\uc120\ud558\uace0, \uadf8 \uc808\uac10\ub41c \uae08\uc561\uc744 \uc815\uae30\uc801\uc73c\ub85c \ud22c\uc790\ud558\uc5ec 10\ub144 \ub9cc\uc5d0 \uc790\uc0b0\uc774 \ub450 \ubc30 \uc774\uc0c1 \uc99d\uac00\ud55c \uc0ac\ub840\uac00 \ubcf4\uace0\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc0ac\ub840\ub294 \ub2e8\uc21c\ud55c \uc18c\ube44 \uad00\ub9ac\uc5d0\uc11c \ubc97\uc5b4\ub098 \uc7a5\uae30\uc801\uc778 \ud22c\uc790\ub85c \uc774\uc5b4\uc9c0\ub294 \uac00\uacc4\ubd80 \uad00\ub9ac\uc758 \uc911\uc694\uc131\uc744 \uc785\uc99d\ud569\ub2c8\ub2e4.<\/p>\n<p>\ud2b9\ud788, \ub514\uc9c0\ud138 \uc2dc\ub300\uc5d0 \ub9de\ucdb0 \ub2e4\uc591\ud55c \uac00\uacc4\ubd80 \uad00\ub9ac \ub3c4\uad6c\uc640 \ud22c\uc790 \uad00\ub9ac \uc571\uc774 \ub4f1\uc7a5\ud558\uba74\uc11c, \uc7ac\ud14c\ud06c \ucd08\ubcf4\uc790\ub4e4\ub3c4 \uc27d\uac8c \uc790\uc2e0\uc758 \uc7ac\ubb34 \uc0c1\ud0dc\ub97c \uc885\ud569\uc801\uc73c\ub85c \uad00\ub9ac\ud560 \uc218 \uc788\uac8c \ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub3c4\uad6c\ub4e4\uc740 \uc2e4\uc2dc\uac04 \ub370\uc774\ud130 \ubd84\uc11d, \uc790\ub3d9 \uc54c\ub9bc, \uc7ac\ubb34 \ubaa9\ud45c \uad00\ub9ac \ub4f1 \ub2e4\uc591\ud55c \uae30\ub2a5\uc744 \uc81c\uacf5\ud558\uc5ec, \uc0ac\uc6a9\uc790\uac00 \ubcf4\ub2e4 \ud6a8\uacfc\uc801\uc73c\ub85c \uc7ac\ud14c\ud06c \uc804\ub7b5\uc744 \uc218\ub9bd\ud560 \uc218 \uc788\ub3c4\ub85d \ub3d5\uc2b5\ub2c8\ub2e4. \uc544\ub798\uc640 \uac19\uc774 \uc7a5\uae30 \uc7ac\ud14c\ud06c\ub97c \uc704\ud55c \uc8fc\uc694 \ud3ec\uc778\ud2b8\ub97c \uc815\ub9ac\ud574 \ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<ul>\n<li>\uc815\uae30\uc801\uc778 \uac00\uacc4\ubd80 \uc810\uac80 \ubc0f \ub370\uc774\ud130 \uc5c5\ub370\uc774\ud2b8<\/li>\n<li>\ubd84\uc0b0 \ud22c\uc790\uc640 \ub9ac\uc2a4\ud06c \uad00\ub9ac \uc804\ub7b5 \uc218\ub9bd<\/li>\n<li>\uae08\uc735 \uc2dc\uc7a5 \ub3d9\ud5a5\uacfc \ucd5c\uc2e0 \ud22c\uc790 \ud2b8\ub80c\ub4dc \ubd84\uc11d<\/li>\n<li>\ube44\uc0c1\uae08 \ubc0f \uc720\ub3d9 \uc790\uae08 \ud655\ubcf4<\/li>\n<li>\uc7a5\uae30 \ud22c\uc790 \ubaa9\ud45c\ub97c \uc704\ud55c \uafb8\uc900\ud55c \uc800\ucd95<\/li>\n<\/ul>\n<p>\ub610\ud55c, \uc7a5\uae30\uc801\uc778 \uc7ac\ud14c\ud06c\uc5d0\uc11c\ub294 \ub2e8\uc21c\ud788 \uc7ac\ubb34 \uc218\uce58\ub9cc\uc744 \uc911\uc2dc\ud558\ub294 \uac83\uc774 \uc544\ub2c8\ub77c, \uc2ec\ub9ac\uc801\uc778 \uc548\uc815\uac10\uacfc \uc790\uae30 \ud1b5\uc81c\ub825 \uc5ed\uc2dc \uc911\uc694\ud55c \uc694\uc18c\uc785\ub2c8\ub2e4. \uac00\uacc4\ubd80\ub97c \ud65c\uc6a9\ud558\uc5ec \uc790\uc2e0\uc758 \uc18c\ube44 \uc2b5\uad00\uacfc \uc7ac\ubb34 \ubaa9\ud45c\ub97c \uc9c0\uc18d\uc801\uc73c\ub85c \ud655\uc778\ud558\uace0 \uc870\uc815\ud558\uba74, \ubd88\ud544\uc694\ud55c \ucda9\ub3d9 \uc18c\ube44\ub97c \uc904\uc774\uace0 \ud569\ub9ac\uc801\uc778 \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9ac\uae30 \uc26c\uc6cc\uc9d1\ub2c8\ub2e4. \uc2ec\ub9ac\ud559\uc801 \uc5f0\uad6c\uc5d0 \ub530\ub974\uba74, \uc790\uac00 \uc7ac\ubb34 \uad00\ub9ac\uc640 \uae30\ub85d\uc758 \ubc18\ubcf5\uc740 \uc790\uae30 \ud1b5\uc81c\ub825\uc744 \uac15\ud654\ud558\ub294 \ud6a8\uacfc\uac00 \uc788\uc73c\uba70, \uc774\ub294 \uc7a5\uae30\uc801\uc778 \uae08\uc735 \uc131\uacf5\uc5d0 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c, \uc815\ubd80 \ubc0f \uacf5\uacf5\uae30\uad00\uc5d0\uc11c\ub3c4 \uc7a5\uae30 \uc7ac\ud14c\ud06c\uc640 \uc18c\ube44 \uad50\uc721\uc758 \uc911\uc694\uc131\uc744 \uac15\uc870\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc5ec\ub7ec \uae08\uc735 \uad00\ub828 \uc138\ubbf8\ub098\uc640 \uc6cc\ud06c\uc20d\uc5d0\uc11c\ub294 \uac00\uacc4\ubd80 \uc791\uc131\ubc95\uacfc \uc7ac\ubb34 \uad00\ub9ac \uc804\ub7b5\uc744 \uc8fc\uc81c\ub85c \ud55c \uad50\uc721 \ud504\ub85c\uadf8\ub7a8\uc774 \uc9c4\ud589\ub418\uace0 \uc788\uc73c\uba70, \uc774\ub294 \ucd08\ubcf4\uc790\ub4e4\uc774 \uc81c\ub300\ub85c \ub41c \uc7ac\ubb34 \uad00\ub9ac \uc2b5\uad00\uc744 \uae30\ub974\ub294 \ub370 \ud070 \ub3c4\uc6c0\uc744 \uc8fc\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\uc591\ud55c \ud1b5\uacc4 \uc790\ub8cc\uc5d0 \ub530\ub974\uba74, \uc774\ub7ec\ud55c \uad50\uc721 \ud504\ub85c\uadf8\ub7a8\uc5d0 \ucc38\uc5ec\ud55c \uc0ac\ub78c\ub4e4\uc774 \uadf8\ub807\uc9c0 \uc54a\uc740 \uc0ac\ub78c\ub4e4\ubcf4\ub2e4 \uc7ac\ubb34 \uc548\uc815\uc131\uc774 \ub192\uace0, \uc608\uc0c1\uce58 \ubabb\ud55c \uae08\uc735 \uc704\uae30\uc5d0 \ub354\uc6b1 \ud6a8\uacfc\uc801\uc73c\ub85c \ub300\uc751\ud560 \uc218 \uc788\ub294 \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uc7a5\uae30\uc801\uc778 \uc7ac\ud14c\ud06c \uc804\ub7b5\uacfc \uac00\uacc4\ubd80\uc758 \uc5ed\ud560\uc740 \ub2e8\uc21c\ud788 \uc7ac\ubb34\uc801 \uc218\uce58\uc5d0 \uadf8\uce58\uc9c0 \uc54a\uace0, \uc0b6\uc758 \uc9c8 \uc804\ubc18\uc5d0 \uae0d\uc815\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4. \uccb4\uacc4\uc801\uc778 \uac00\uacc4\ubd80 \uae30\ub85d\uacfc \ubd84\uc11d\uc740 \uc5ec\ub7ec\ubd84\uc774 \ubbf8\ub798\uc5d0 \uc9c1\uba74\ud560 \uc218 \uc788\ub294 \ub2e4\uc591\ud55c \uc7ac\ubb34\uc801 \ub3c4\uc804\uc5d0 \ud6a8\uacfc\uc801\uc73c\ub85c \ub300\uc751\ud558\uac8c \ud574\uc904 \ubfd0\ub9cc \uc544\ub2c8\ub77c, \ubcf4\ub2e4 \uc548\uc815\uc801\uc774\uace0 \uacc4\ud68d\uc801\uc778 \uc18c\ube44 \uc0dd\ud65c\uc744 \uc601\uc704\ud558\uac8c \ud569\ub2c8\ub2e4. \uc774\ub294 \uacb0\uad6d \uac1c\uc778\uc758 \uc804\ubc18\uc801\uc778 \uc0b6\uc758 \uc9c8 \ud5a5\uc0c1\uacfc\ub3c4 \uc9c1\uacb0\ub418\ub294 \uc911\uc694\ud55c \uc694\uc18c\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc885\ud569\ud574\ubcf4\uba74, \uc7a5\uae30 \uc7ac\ud14c\ud06c \uc131\uacf5\uc744 \uc704\ud55c \uc804\ub7b5\uc740 \uc7ac\ubb34 \ub370\uc774\ud130\ub97c \ucca0\uc800\ud788 \ubd84\uc11d\ud558\uace0, \uc774\ub97c \ubc14\ud0d5\uc73c\ub85c \uccb4\uacc4\uc801\uc778 \uacc4\ud68d\uc744 \uc218\ub9bd\ud558\ub294 \ub370 \uadf8 \uae30\ucd08\ub97c \ub450\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uac00\uacc4\ubd80\ub294 \uc774\ub7ec\ud55c \uc804\ub7b5\uc758 \uc911\uc2ec \uc5ed\ud560\uc744 \ud558\uba70, \uc5ec\ub7ec\ubd84\uc774 \ub9e4\uc77c\uc758 \uc18c\ube44 \uae30\ub85d\uc744 \ud1b5\ud574 \uc5bb\uc740 \uc778\uc0ac\uc774\ud2b8\uac00 \ubbf8\ub798\uc758 \ud22c\uc790 \uacb0\uc815\uacfc \uc7ac\ubb34 \uc548\uc815\uc131\uc5d0 \uacb0\uc815\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce58\uac8c \ub420 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc774\ucc98\ub7fc, \uac00\uacc4\ubd80\ub294 \ub2e8\uc21c\ud55c \uae30\ub85d \ub3c4\uad6c\ub97c \ub118\uc5b4 \uc7a5\uae30\uc801\uc778 \uc790\uc0b0 \uc99d\ub300\uc640 \uc7ac\ubb34 \uc548\uc815\uc131\uc744 \uc704\ud55c \uc804\ub7b5\uc801 \ubb34\uae30\uac00 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc5ec\ub7ec\ubd84\uc774 \uc5b4\ub290 \uc2dc\uc810\uc5d0 \uc788\ub4e0, \uccb4\uacc4\uc801\uc778 \uae30\ub85d\uacfc \ubd84\uc11d\uc744 \ud1b5\ud574 \ubbf8\ub798\uc758 \uc7ac\uc815\uc801 \uc131\uacf5\uc744 \uc774\ub8e8\uc2dc\uae38 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n<p>\uac15\ub825\ud55c \uacb0\ub860\uc73c\ub85c, \uc7ac\ud14c\ud06c \ucd08\ubcf4\uc790\ub4e4\uc774 \uac00\uacc4\ubd80\ub97c \ub2e8\uc21c\ud55c \uc18c\ube44 \uae30\ub85d\uc744 \ub118\uc5b4\uc11c, \uc790\uc2e0\uc758 \uc7ac\ubb34 \uc0c1\ud0dc\ub97c \uccb4\uacc4\uc801\uc73c\ub85c \ubd84\uc11d\ud558\uace0 \uc7a5\uae30\uc801\uc778 \uc804\ub7b5\uc744 \uc138\uc6b8 \uc218 \uc788\ub294 \ub3c4\uad6c\ub85c \ud65c\uc6a9\ud55c\ub2e4\uba74, \ubbf8\ub798\uc758 \uae08\uc735 \uc704\uae30\uc5d0\ub3c4 \uc720\uc5f0\ud558\uac8c \ub300\uc751\ud560 \uc218 \uc788\uc73c\uba70 \uc548\uc815\uc801\uc778 \uc790\uc0b0 \uad00\ub9ac\uc640 \ud22c\uc790 \uc131\uacf5\uc744 \ubcf4\uc7a5\ubc1b\uc744 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<h2 id=\"%ea%b0%95%eb%a0%a5%ed%95%9c-%ec%9a%94%ec%95%bd-OrBcOyXQlq\">\uac15\ub825\ud55c \uc694\uc57d<\/h2>\n<p>\uc7ac\ud14c\ud06c \ucd08\ubcf4\uc790\ub97c \uc704\ud55c \uac00\uacc4\ubd80 \uc791\uc131\ubc95\uc5d0 \ub300\ud574 \uc774\ubc88 \uae00\uc5d0\uc11c\ub294 \uc608\uc0b0 \uc218\ub9bd\uacfc \ubaa9\ud45c \uc124\uc815, \uccb4\uacc4\uc801\uc778 \uc218\uc785 \ubc0f \uc9c0\ucd9c \uae30\ub85d, \ub370\uc774\ud130 \ubd84\uc11d\uacfc \uc7ac\ubb34 \uac1c\uc120 \uc804\ub7b5, \uadf8\ub9ac\uace0 \uc7a5\uae30 \uc7ac\ud14c\ud06c \uc804\ub7b5\uacfc \uac00\uacc4\ubd80\uc758 \uc5ed\ud560 \ub4f1 \ub124 \uac00\uc9c0 \ud575\uc2ec \uc139\uc158\uc744 \ud1b5\ud574 \uc2ec\ub3c4 \uc788\ub294 \ub0b4\uc6a9\uc744 \ub2e4\ub8e8\uc5c8\uc2b5\ub2c8\ub2e4. \uccab \ubc88\uc9f8 \uc139\uc158\uc5d0\uc11c\ub294 SMART \uc6d0\uce59\uc744 \uae30\ubc18\uc73c\ub85c \ud55c \uad6c\uccb4\uc801 \uc608\uc0b0 \uc218\ub9bd\uc758 \uc911\uc694\ub3c4\uc640 \uc2e4\uc81c \uc0ac\ub840\ub97c \ud1b5\ud574 \uc7ac\ubb34 \ubaa9\ud45c \uc124\uc815\uc744 \uac15\uc870\ud558\uc600\uc2b5\ub2c8\ub2e4. \ub450 \ubc88\uc9f8 \uc139\uc158\uc5d0\uc11c\ub294 \uc62c\ubc14\ub978 \uae30\ub85d \uc2b5\uad00\uacfc \ub2e4\uc591\ud55c \ub3c4\uad6c\ub97c \ud65c\uc6a9\ud55c \uc218\uc785 \ubc0f \uc9c0\ucd9c \uad00\ub9ac\ubc95\uc744, \uc138 \ubc88\uc9f8 \uc139\uc158\uc5d0\uc11c\ub294 \ub370\uc774\ud130\ub97c \uc2dc\uac01\ud654\ud558\uace0 \ubd84\uc11d\ud558\uc5ec \uc18c\ube44 \ud328\ud134\uacfc \uc7ac\ubb34 \uac1c\uc120 \uc804\ub7b5\uc744 \uc218\ub9bd\ud558\ub294 \ubc29\ubc95\uc744 \uc18c\uac1c\ud558\uc600\uc2b5\ub2c8\ub2e4. \ub9c8\uc9c0\ub9c9 \uc139\uc158\uc5d0\uc11c\ub294 \uc7a5\uae30\uc801\uc778 \uae08\uc735 \uc548\uc815\uc131\uacfc \ud22c\uc790 \uc131\uacf5\uc744 \uc704\ud55c \uac00\uacc4\ubd80\uc758 \uc5ed\ud560 \ubc0f \ucd5c\uc2e0 \uc7ac\ubb34 \ub3d9\ud5a5\uc744 \ubd84\uc11d\ud558\uba70, 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