{"id":1842,"date":"2026-04-03T08:55:32","date_gmt":"2026-04-03T08:55:32","guid":{"rendered":"https:\/\/impaegteu.sbs\/?p=1842"},"modified":"2026-04-03T08:55:32","modified_gmt":"2026-04-03T08:55:32","slug":"%ea%b0%95%eb%82%a8%ec%9d%bc%ed%94%84%eb%a1%9c%ec%9d%98-%eb%a7%a4%eb%a0%a5%ec%a0%81%ec%9d%b8-%ed%88%ac%ec%9e%90-%eb%b9%84%eb%b2%95-%ea%b3%b5%ea%b0%9c-%ec%a7%80%ea%b8%88-%ed%99%95%ec%9d%b8%ed%95%98","status":"publish","type":"post","link":"https:\/\/impaegteu.sbs\/?p=1842","title":{"rendered":"\uac15\ub0a8\uc77c\ud504\ub85c\uc758 \ub9e4\ub825\uc801\uc778 \ud22c\uc790 \ube44\ubc95 \uacf5\uac1c! \uc9c0\uae08 \ud655\uc778\ud558\uc138\uc694!"},"content":{"rendered":"<div style=\" color: #333; padding: 20px 0; text-align: center; width: 100%;\">\n<h2 style=\"font-size:1.8em; font-weight:bold;\">\uac15\ub0a8\uc77c\ud504\ub85c\uc758 \ub9e4\ub825\uc801\uc778 \ud22c\uc790 \ube44\ubc95 \uacf5\uac1c! \uc9c0\uae08 \ud655\uc778\ud558\uc138\uc694!<\/h2>\n<\/div>\n<div style=\"background:#e4e4e4; color: #575757; padding: 20px; width: 100%; border:1px solid #ccc;   border-radius: 5px;\">\n<div style=\"max-width: 1200px; margin: 0 auto; text-align: left;\">\n        <button id=\"toggleMenu\" style=\"background: #1abc9c; color: #ffffff; border: none; padding: 5px 15px; cursor: pointer; border-radius: 5px; margin-bottom: 15px;\">\ubaa9\ucc28 \uc228\uae30\uae30\/\ubcf4\uc774\uae30<\/button><\/p>\n<div id=\"menuContainer\" style=\"display: block;\">\n<h3 style=\"margin-top: 0; margin-bottom: 15px; font-weight:bold;\">\ubaa9\ucc28<\/h3>\n<ul id=\"menuList\" style=\"list-style: none; margin: 0; padding: 0;\">\n<li style=\"margin: 10px 0; list-style:none;\"><a href=\"#section1\" style=\"color: #575757; text-decoration: none; font-weight: bold;\">1. \uac15\ub0a8\uc77c\ud504\ub85c\uc758 \ud22c\uc790 \ucca0\ud559 \uc774\ud574\ud558\uae30<\/a><\/li>\n<li style=\"margin: 10px 0; list-style:none;\"><a href=\"#section2\" style=\"color: #575757; text-decoration: none; font-weight: bold;\">2. \uac15\ub0a8\uc77c\ud504\ub85c\uc758 \uc131\uacf5\uc801\uc778 \ud22c\uc790 \uc0ac\ub840 \ubd84\uc11d<\/a><\/li>\n<li style=\"margin: 10px 0; list-style:none;\"><a href=\"#section3\" style=\"color: #575757; text-decoration: none; font-weight: bold;\">3. \ud6a8\uc728\uc801\uc778 \uc790\uc0b0 \ubc30\ubd84 \uc804\ub7b5 \uc18c\uac1c<\/a><\/li>\n<li style=\"margin: 10px 0; list-style:none;\"><a href=\"#section4\" style=\"color: #575757; text-decoration: none; font-weight: bold;\">4. \ub9ac\uc2a4\ud06c \uad00\ub9ac\uc758 \uc911\uc694\uc131\uacfc \uc2e4\ucc9c \ubc29\ubc95<\/a><\/li>\n<li style=\"margin: 10px 0; list-style:none;\"><a href=\"#section5\" style=\"color: #575757; text-decoration: none; font-weight: bold;\">5. \uac15\ub0a8\uc77c\ud504\ub85c\uc758 \ud22c\uc790 \ud301\uacfc \uc870\uc5b8 \uacf5\uc720<\/a><\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/div>\n<div style=\"max-width: 1200px; margin: 50px auto; padding: 20px 0; text-align: left;\">\n<div id=\"section1\" style=\"margin: 20px 0;\">\n<h3 style=\"color: #e67e22; margin-top: 0; font-weight: bold; border-bottom: 2px solid #e67e22; padding-bottom: 10px;\">1. \uac15\ub0a8\uc77c\ud504\ub85c\uc758 \ud22c\uc790 \ucca0\ud559 \uc774\ud574\ud558\uae30<\/h3>\n<p style=\"line-height: 1.6; margin: 10px 0 20px 0;\">\uac15\ub0a8\uc77c\ud504\ub85c\ub294 \ucd5c\uadfc \uba87 \ub144 \ub3d9\uc548 \ud22c\uc790 \ubd84\uc57c\uc5d0\uc11c \ub9ce\uc740 \uc8fc\ubaa9\uc744 \ubc1b\uc544\uc628 \uc778\ubb3c\uc785\ub2c8\ub2e4. \uadf8\uc758 \ud22c\uc790 \ube44\ubc95\uc740 \ub2e8\uc21c\ud788 \uc774\ub860\uc801\uc778 \uc9c0\uc2dd\uc5d0 \uadf8\uce58\uc9c0 \uc54a\uace0, \uc2e4\uc81c\ub85c \uc131\uacf5\uc801\uc778 \uacb0\uacfc\ub97c \ub9cc\ub4e4\uc5b4\ub0b8 \uc2e4\uc6a9\uc801\uc778 \ubc29\ubc95\ub4e4\ub85c \uad6c\uc131\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. \ub9ce\uc740 \ud22c\uc790\uc790\ub4e4\uc774 \uadf8\ub97c \ubca4\uce58\ub9c8\ud0b9\ud558\uace0 \uc2f6\uc5b4\ud558\ub294 \uc774\uc720\ub294 \uadf8\uc758 \ud22c\uc790 \ucca0\ud559\uacfc \uc804\ub7b5\uc774 \ud604\uc2e4\uc801\uc774\uba74\uc11c\ub3c4 \ud6a8\uacfc\uc801\uc774\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n<p>\ud22c\uc790 \ube44\ubc95\uc758 \uccab \ubc88\uc9f8 \ud575\uc2ec\uc740 \ucca0\uc800\ud55c \uc2dc\uc7a5 \uc870\uc0ac\uc785\ub2c8\ub2e4. \uac15\ub0a8\uc77c\ud504\ub85c\ub294 \ud56d\uc0c1 \ub370\uc774\ud130 \uae30\ubc18\uc758 \ubd84\uc11d\uc744 \uac15\uc870\ud569\ub2c8\ub2e4. \uadf8\ub294 \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9ac\uae30 \uc804\uc5d0 \uc2dc\uc7a5 \ub3d9\ud5a5, \uacbd\uc81c \uc9c0\ud45c, \uadf8\ub9ac\uace0 \uad00\ub828 \uc0b0\uc5c5\uc758 \ubcc0\ud654 \ub4f1\uc744 \uba74\ubc00\ud788 \uc870\uc0ac\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ud2b9\uc815 \uae30\uc220 \uc8fc\uc2dd\uc5d0 \ud22c\uc790\ud558\uae30\ub85c \uacb0\uc2ec\ud588\uc744 \ub54c, \uadf8\ub294 \ud574\ub2f9 \uae30\uc5c5\uc758 \uc7ac\ubb34\uc81c\ud45c\ubfd0\ub9cc \uc544\ub2c8\ub77c \uacbd\uc7c1\uc0ac \ubd84\uc11d, \uc5c5\uacc4 \ub274\uc2a4, \uadf8\ub9ac\uace0 \uc18c\ube44\uc790 \ud2b8\ub80c\ub4dc\uae4c\uc9c0 \uc544\uc6b0\ub974\ub294 \ud3ec\uad04\uc801\uc778 \uc870\uc0ac\ub97c \uc218\ud589\ud569\ub2c8\ub2e4. \uc774 \uacfc\uc815\uc5d0\uc11c \uc5bb\uc5b4\uc9c4 \uc815\ubcf4\ub294 \uadf8\uc758 \ud22c\uc790 \uacb0\uc815\uc5d0 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4.<\/p>\n<p>\ub450 \ubc88\uc9f8\ub85c \uc911\uc694\ud55c \uc694\uc18c\ub294 \uc704\ud5d8 \uad00\ub9ac\uc785\ub2c8\ub2e4. \uac15\ub0a8\uc77c\ud504\ub85c\ub294 &#8220;\ud22c\uc790\ub294 \ubcf8\uc9c8\uc801\uc73c\ub85c \uc704\ud5d8\uc744 \uac10\uc218\ud558\ub294 \uac8c\uc784&#8221;\uc774\ub77c\uace0 \ub9d0\ud569\ub2c8\ub2e4. \uadf8\ub294 \ud22c\uc790\ud560 \ub54c \ud56d\uc0c1 \uc190\uc2e4\uc744 \ucd5c\uc18c\ud654\ud558\uae30 \uc704\ud55c \uc804\ub7b5\uc744 \uc138\uc6c1\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uadf8\uac00 \ud2b9\uc815 \uc8fc\uc2dd\uc744 \ub9e4\uc218\ud560 \ub54c\ub294 \ubc18\ub4dc\uc2dc \uc190\uc808\ub9e4 \ub77c\uc778\uc744 \uc124\uc815\ud558\uace0, \uadf8 \ub77c\uc778\uc5d0 \ub3c4\ub2ec\ud588\uc744 \ub54c\ub294 \uc989\uac01\uc801\uc73c\ub85c \ub9e4\ub3c4\ud558\ub294 \uc6d0\uce59\uc744 \uc9c0\ud0b5\ub2c8\ub2e4. \uc774\ub807\uac8c \ud568\uc73c\ub85c\uc368 \uadf8\ub294 \uac10\uc815\uc5d0 \ud718\ub458\ub9ac\uc9c0 \uc54a\uace0 \ub0c9\uc815\ud558\uac8c \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\uc758 \uc804\ub7b5\uc5d0\uc11c \uc704\ud5d8 \uad00\ub9ac\uac00 \uc5c6\uc5c8\ub2e4\uba74 \uc218\ub9ce\uc740 \ud22c\uc790\uc790\ub4e4\uc774 \uacaa\uc5c8\ub358 \uc190\uc2e4\uc744 \ud53c\ud560 \uc218 \uc788\uc5c8\uc744 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc138 \ubc88\uc9f8 \ube44\ubc95\uc740 \uc7a5\uae30\uc801\uc778 \uad00\uc810\uc5d0\uc11c\uc758 \ud22c\uc790\uc785\ub2c8\ub2e4. \uac15\ub0a8\uc77c\ud504\ub85c\ub294 \ub2e8\uae30\uc801\uc778 \uc2dc\uc7a5 \ubcc0\ub3d9\uc5d0 \uc5f0\uc5f0\ud558\uc9c0 \uc54a\uace0, \uc7a5\uae30\uc801\uc73c\ub85c \uc131\uc7a5 \uac00\ub2a5\uc131\uc774 \uc788\ub294 \uae30\uc5c5\uc5d0 \ud22c\uc790\ud558\ub294 \uac83\uc744 \uc120\ud638\ud569\ub2c8\ub2e4. \uadf8\ub294 &#8220;\uc2dc\uc7a5\uc740 \ub2e8\uae30\uc801\uc73c\ub85c\ub294 \ube44\uc774\uc131\uc801\uc77c \uc218 \uc788\uc9c0\ub9cc, \uc7a5\uae30\uc801\uc73c\ub85c\ub294 \uae30\uc5c5\uc758 \uc9c4\uc815\ud55c \uac00\uce58\uac00 \ub4dc\ub7ec\ub09c\ub2e4&#8221;\uace0 \ubbff\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c\ub85c \uadf8\ub294 \ud14c\ud06c \uae30\uc5c5\uc5d0 \ud22c\uc790\ud558\uba74\uc11c 3\ub144, 5\ub144 \ub2e8\uc704\ub85c \uacb0\uacfc\ub97c \ud3c9\uac00\ud558\uace0, \uadf8 \uc0ac\uc774\uc5d0 \uc8fc\uac00\uac00 \uc77c\uc2dc\uc801\uc73c\ub85c \ud558\ub77d\ud558\ub354\ub77c\ub3c4 \uae30\uc5c5\uc758 \uc131\uc7a5 \uac00\ub2a5\uc131\uc744 \ubcf4\uace0 \ubcf4\uc720\ud558\ub294 \uc804\ub7b5\uc744 \ucde8\ud588\uc2b5\ub2c8\ub2e4. \uc774\ub85c \uc778\ud574 \uadf8\ub294 \uc218\uc775\ub960\uc744 \uadf9\ub300\ud654\ud560 \uc218 \uc788\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub124 \ubc88\uc9f8 \ube44\ubc95\uc740 \uc815\ubcf4 \ub124\ud2b8\uc6cc\ud06c\uc758 \uc911\uc694\uc131\uc785\ub2c8\ub2e4. \uac15\ub0a8\uc77c\ud504\ub85c\ub294 \uc815\ubcf4\uc758 \ubc14\ub2e4 \uc18d\uc5d0\uc11c \uc720\uc6a9\ud55c \uc815\ubcf4\ub97c \ucc3e\uc544\ub0b4\uae30 \uc704\ud574 \ub2e4\uc591\ud55c \ub124\ud2b8\uc6cc\ud06c\ub97c \ud65c\uc6a9\ud569\ub2c8\ub2e4. \uadf8\ub294 \uc5c5\uacc4 \uc804\ubb38\uac00, \uacbd\uc81c \ubd84\uc11d\uac00, \uc2ec\uc9c0\uc5b4\ub294 \ub2e4\ub978 \ud22c\uc790\uc790\uc640\uc758 \uc18c\ud1b5\uc744 \ud1b5\ud574 \uadc0\uc911\ud55c \uc778\uc0ac\uc774\ud2b8\ub97c \uc5bb\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub124\ud2b8\uc6cc\ud06c\ub294 \uadf8\uac00 \uc2dc\uc7a5\uc758 \ubcc0\ud654\uc5d0 \ube60\ub974\uac8c \ub300\uc751\ud560 \uc218 \uc788\ub3c4\ub85d \ub3c4\uc640\uc8fc\ub294 \uc911\uc694\ud55c \uc790\uc6d0\uc785\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uadf8\uac00 \ud22c\uc790\ud558\ub294 \uae30\uc5c5\uc758 CEO\uc640\uc758 \ub300\ud654\ub97c \ud1b5\ud574 \uc2e0\uc81c\ud488 \ucd9c\uc2dc \uc608\uc815\uc77c\uc744 \ubbf8\ub9ac \uc54c\uac8c \ub418\uc5b4, \ud574\ub2f9 \uc8fc\uc2dd\uc774 \uc0c1\uc2b9\ud558\uae30 \uc804\uc5d0 \ub9e4\uc218 \uacb0\uc815\uc744 \ub0b4\ub9b0 \uacbd\uc6b0\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uac15\ub0a8\uc77c\ud504\ub85c\ub294 \uc790\uae30\uacc4\ubc1c\uc5d0 \ub300\ud55c \uc5f4\uc815\uc744 \uac00\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub294 \ud22c\uc790 \uad00\ub828 \uc11c\uc801\uc744 \uc77d\uace0, \uc138\ubbf8\ub098\uc5d0 \ucc38\uc5ec\ud558\uba70, \ucd5c\uc2e0 \ud22c\uc790 \ud2b8\ub80c\ub4dc\uc5d0 \ub300\ud55c \uacf5\ubd80\ub97c \uac8c\uc744\ub9ac\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uadf8\uac00 \ucd94\ucc9c\ud558\ub294 \uba87 \uac00\uc9c0 \uc11c\uc801\uc740 &#8220;The Intelligent Investor&#8221;\uc640 &#8220;A Random Walk Down Wall Street&#8221;\uc785\ub2c8\ub2e4. \uc774 \ucc45\ub4e4\uc5d0\uc11c \uc5bb\uc740 \uc9c0\uc2dd\uc740 \uadf8\uc758 \ud22c\uc790 \uc804\ub7b5\uc5d0 \ud070 \uc601\ud5a5\uc744 \ubbf8\ucce4\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uac15\ub0a8\uc77c\ud504\ub85c\uc758 \ub9e4\ub825\uc801\uc778 \ud22c\uc790 \ube44\ubc95\uc740 \ub2e8\uc21c\ud788 \uc774\ub860\uc5d0 \uad6d\ud55c\ub418\uc9c0 \uc54a\uace0 \uc2e4\uc81c\ub85c \uc801\uc6a9 \uac00\ub2a5\ud55c \uc804\ub7b5\ub4e4\ub85c \uad6c\uc131\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\uac00 \uac15\uc870\ud558\ub294 \ucca0\uc800\ud55c \uc2dc\uc7a5 \uc870\uc0ac, \uc704\ud5d8 \uad00\ub9ac, \uc7a5\uae30\uc801 \uad00\uc810, \uc815\ubcf4 \ub124\ud2b8\uc6cc\ud06c \ud65c\uc6a9, \uadf8\ub9ac\uace0 \uc790\uae30\uacc4\ubc1c\uc740 \ubaa8\ub4e0 \ud22c\uc790\uc790\uc5d0\uac8c \uc720\uc6a9\ud55c \uc9c0\uce68\uc774 \ub420 \uac83\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ube44\ubc95\uc744 \ud1b5\ud574 \ub9ce\uc740 \ud22c\uc790\uc790\ub4e4\uc774 \uc131\uacf5\uc801\uc778 \ud22c\uc790 \uc5ec\uc815\uc744 \uc774\uc5b4\uac00\uace0 \uc788\uc73c\uba70, \uc55e\uc73c\ub85c\ub3c4 \uadf8\uc758 \uc0ac\ub840\ub294 \ub9ce\uc740 \uc774\ub4e4\uc5d0\uac8c \uadc0\uac10\uc774 \ub420 \uac83\uc785\ub2c8\ub2e4. \ud22c\uc790\uc5d0 \ub300\ud55c \uc62c\ubc14\ub978 \uc811\uadfc \ubc29\uc2dd\uacfc \ucca0\ud559\uc744 \uc774\ud574\ud558\uace0 \uc2e4\ucc9c\ud55c\ub2e4\uba74, \ub204\uad6c\ub098 \uac15\ub0a8\uc77c\ud504\ub85c\ucc98\ub7fc \uc131\uacf5\uc801\uc778 \ud22c\uc790\uc790\uac00 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<\/p><\/div>\n<div id=\"section2\" style=\"margin: 20px 0;\">\n<h3 style=\"color: #e67e22; margin-top: 0; font-weight: bold; border-bottom: 2px solid #e67e22; padding-bottom: 10px;\">2. \uac15\ub0a8\uc77c\ud504\ub85c\uc758 \uc131\uacf5\uc801\uc778 \ud22c\uc790 \uc0ac\ub840 \ubd84\uc11d<\/h3>\n<p style=\"line-height: 1.6; margin: 10px 0 20px 0;\">\uac15\ub0a8\uc77c\ud504\ub85c\uc758 \ub9e4\ub825\uc801\uc778 \ud22c\uc790 \ube44\ubc95 \uacf5\uac1c! \uc9c0\uae08 \ud655\uc778\ud558\uc138\uc694!<\/p>\n<p>\ud22c\uc790 \uc138\uacc4\ub294 \ubcf5\uc7a1\ud558\uace0 \ub2e4\ucc44\ub86d\ub2e4. \ud2b9\ud788, \ubd80\ub3d9\uc0b0\uc774\ub098 \uc8fc\uc2dd \uac19\uc740 \uc790\uc0b0 \uc2dc\uc7a5\uc5d0\uc11c\ub294 \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc774 \uc131\uacf5\uc744 \uafc8\uafb8\uc9c0\ub9cc, \uc2e4\uc9c8\uc801\uc73c\ub85c \uc131\uacf5\ud558\ub294 \uacbd\uc6b0\ub294 \ub4dc\ubb3c\ub2e4. \uac15\ub0a8\uc77c\ud504\ub85c\ub294 \uc774\ub7ec\ud55c \ubcf5\uc7a1\ud55c \ud22c\uc790 \uc138\uacc4\uc5d0\uc11c \ub3c5\ud2b9\ud558\uace0 \ub9e4\ub825\uc801\uc778 \ud22c\uc790 \ube44\ubc95\uc73c\ub85c \uc8fc\ubaa9\ubc1b\uace0 \uc788\ub2e4. \uadf8\uc758 \ud22c\uc790 \uc804\ub7b5\uc740 \ub2e8\uc21c\ud788 \uc774\ub860\uc5d0 \uadf8\uce58\uc9c0 \uc54a\uace0, \uc2e4\uc81c \uc0ac\ub840\ub97c \ubc14\ud0d5\uc73c\ub85c \ud55c \uc2e4\uc6a9\uc801\uc778 \uc811\uadfc \ubc29\uc2dd\uc73c\ub85c \ub9ce\uc740 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \uadc0\uac10\uc774 \ub418\uace0 \uc788\ub2e4. \uc774\ubc88 \uae00\uc5d0\uc11c\ub294 \uac15\ub0a8\uc77c\ud504\ub85c\uc758 \ud22c\uc790 \ube44\ubc95\uc744 \uc0b4\ud3b4\ubcf4\uba70, \uadf8\uc758 \uc131\uacf5\uc801\uc778 \ud22c\uc790 \uc0ac\ub840\ub97c \ubd84\uc11d\ud574\ubcf4\uc790.<\/p>\n<p>\uac15\ub0a8\uc77c\ud504\ub85c\uc758 \ud22c\uc790 \ube44\ubc95\uc740 \ubb34\uc5c7\ubcf4\ub2e4 \uc2dc\uc7a5\uc5d0 \ub300\ud55c \uae4a\uc740 \uc774\ud574\uc5d0\uc11c \ucd9c\ubc1c\ud55c\ub2e4. \uadf8\ub294 \uc2dc\uc7a5\uc758 \ud750\ub984\uacfc \ud2b8\ub80c\ub4dc\ub97c \ud30c\uc545\ud558\ub294 \ub370 \uc9d1\uc911\ud55c\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ud2b9\uc815 \uc9c0\uc5ed\uc758 \ubd80\ub3d9\uc0b0 \uac00\uaca9\uc774 \uc0c1\uc2b9\ud558\ub294 \uc774\uc720\ub97c \ubd84\uc11d\ud560 \ub54c, \uacbd\uc81c\uc801 \uc694\uc778\ubfd0\ub9cc \uc544\ub2c8\ub77c \uc0ac\ud68c\uc801 \uc694\uc778\ub3c4 \ud568\uaed8 \uace0\ub824\ud55c\ub2e4. \uac15\ub0a8\uc77c\ud504\ub85c\ub294 \uc0ac\ub78c\ub4e4\uc774 \uc120\ud638\ud558\ub294 \uc9c0\uc5ed, \uc778\ud504\ub77c\uc758 \ubc1c\uc804 \ubc29\ud5a5, \uadf8\ub9ac\uace0 \uc815\ubd80 \uc815\ucc45 \ub4f1\uc744 \uc885\ud569\uc801\uc73c\ub85c \ubd84\uc11d\ud558\uc5ec \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9b0\ub2e4. \uc774\ub7ec\ud55c \uc811\uadfc \ubc29\uc2dd\uc740 \ud22c\uc790\uc790\ub4e4\uc774 \ub193\uce58\uae30 \uc26c\uc6b4 \uc911\uc694\ud55c \uc2dc\uc0ac\uc810\uc744 \uc81c\uacf5\ud55c\ub2e4.<\/p>\n<p>\uadf8\uc758 \ud22c\uc790 \ube44\ubc95 \uc911 \ub610 \ud558\ub098\ub294 &#8220;\uc7a5\uae30\uc801\uc778 \uc2dc\uac01&#8221;\uc774\ub2e4. \ub9ce\uc740 \ud22c\uc790\uc790\ub4e4\uc774 \ub2e8\uae30\uc801\uc778 \uc774\uc775\uc744 \ucd94\uad6c\ud558\uba74\uc11c \ud070 \uc190\uc2e4\uc744 \ubcf4\ub294 \uacbd\uc6b0\uac00 \ub9ce\ub2e4. \ud558\uc9c0\ub9cc \uac15\ub0a8\uc77c\ud504\ub85c\ub294 \uc7a5\uae30\uc801\uc778 \uc131\uc7a5 \uac00\ub2a5\uc131\uc744 \uc911\uc2dc\ud558\uba70, \uc548\uc815\uc801\uc778 \uc218\uc775\uc744 \ucd94\uad6c\ud55c\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uadf8\ub294 \ud2b9\uc815 \uc9c0\uc5ed\uc758 \uc7ac\uac1c\ubc1c \uacc4\ud68d\uc774 \ubc1c\ud45c\ub418\uae30 \uc804\uc5d0 \ubbf8\ub9ac \ud574\ub2f9 \uc9c0\uc5ed\uc758 \ubd80\ub3d9\uc0b0\uc744 \ub9e4\uc785\ud558\ub294 \uc804\ub7b5\uc744 \uad6c\uc0ac\ud55c\ub2e4. \uc774\ub7ec\ud55c \ud22c\uc790 \ubc29\uc2dd\uc740 \uc2dc\uac04\uc774 \uc9c0\ub098\uba74\uc11c \uc9c0\uc5ed\uc758 \uac00\uce58\uac00 \uc0c1\uc2b9\ud568\uc5d0 \ub530\ub77c \ud070 \uc218\uc775\uc744 \uc548\uaca8\uc900\ub2e4.<\/p>\n<p>\ub610\ud55c, \uac15\ub0a8\uc77c\ud504\ub85c\ub294 &#8220;\ub9ac\uc2a4\ud06c \uad00\ub9ac&#8221;\uc5d0 \ub300\ud55c \ucca0\uc800\ud55c \uc811\uadfc\uc744 \uac15\uc870\ud55c\ub2e4. \ubaa8\ub4e0 \ud22c\uc790\uc5d0\ub294 \ub9ac\uc2a4\ud06c\uac00 \ub530\ub974\uc9c0\ub9cc, \uc774\ub97c \uc798 \uad00\ub9ac\ud558\ub294 \uac83\uc774 \uc131\uacf5\uc758 \uc5f4\uc1e0\uac00 \ub41c\ub2e4. \uadf8\ub294 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \ub2e4\uac01\ud654\ud558\uc5ec \ub9ac\uc2a4\ud06c\ub97c \ubd84\uc0b0\uc2dc\ud0a4\ub294 \ubc29\ubc95\uc744 \ucc44\ud0dd\ud55c\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ubd80\ub3d9\uc0b0, \uc8fc\uc2dd, \ucc44\uad8c \ub4f1 \ub2e4\uc591\ud55c \uc790\uc0b0\uc5d0 \ud22c\uc790\ud568\uc73c\ub85c\uc368 \ud2b9\uc815 \uc790\uc0b0\uc758 \uac00\uce58\uac00 \ud558\ub77d\ud558\ub354\ub77c\ub3c4 \uc804\uccb4 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc744 \ucd5c\uc18c\ud654\ud55c\ub2e4. \uc774\uc640 \uac19\uc740 \ub9ac\uc2a4\ud06c \uad00\ub9ac \uc804\ub7b5\uc740 \uc548\uc815\uc801\uc778 \uc218\uc775\uc744 \ucd94\uad6c\ud558\ub294 \ub370 \ud070 \ub3c4\uc6c0\uc774 \ub41c\ub2e4.<\/p>\n<p>\uac15\ub0a8\uc77c\ud504\ub85c\uc758 \ud22c\uc790 \ube44\ubc95\uc5d0\uc11c \ube7c\ub193\uc744 \uc218 \uc5c6\ub294 \uc694\uc18c\ub294 &#8220;\ub124\ud2b8\uc6cc\ud0b9&#8221;\uc774\ub2e4. \uadf8\ub294 \ub2e4\uc591\ud55c \ubd84\uc57c\uc758 \uc804\ubb38\uac00\ub4e4\uacfc\uc758 \uad00\uacc4\ub97c \uc911\uc694\uc2dc\ud55c\ub2e4. \uc774\ub97c \ud1b5\ud574 \uc2dc\uc7a5 \uc815\ubcf4\ub098 \uc720\ub9dd\ud55c \ud22c\uc790\ucc98\uc5d0 \ub300\ud55c \uc911\uc694\ud55c \uc815\ubcf4\ub97c \uc5bb\uc744 \uc218 \uc788\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uadf8\ub294 \ubd80\ub3d9\uc0b0 \uac1c\ubc1c\uc5c5\uc790, \uae08\uc735 \uc804\ubb38\uac00, \uadf8\ub9ac\uace0 \uc138\ubb34\uc0ac \ub4f1\uacfc\uc758 \uad00\uacc4\ub97c \ud1b5\ud574 \ud22c\uc790\uc5d0 \ud544\uc694\ud55c \uc815\ubcf4\ub97c \uc5bb\uace0, \uc774\ub97c \ubc14\ud0d5\uc73c\ub85c \ub354 \ub098\uc740 \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9b0\ub2e4. \ub124\ud2b8\uc6cc\ud0b9\uc740 \ub2e8\uc21c\ud55c \uc815\ubcf4 \uad50\ub958\ub97c \ub118\uc5b4, \ud22c\uc790 \uae30\ud68c\ub97c \ud655\ub300\ud558\ub294 \ub370 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud55c\ub2e4.<\/p>\n<p>\uc774\ub7ec\ud55c \ud22c\uc790 \ube44\ubc95\uc744 \ubc14\ud0d5\uc73c\ub85c \uac15\ub0a8\uc77c\ud504\ub85c\ub294 \uc5ec\ub7ec \uc131\uacf5\uc801\uc778 \ud22c\uc790 \uc0ac\ub840\ub97c \ub9cc\ub4e4\uc5b4\ub0c8\ub2e4. \ud55c \uc608\ub85c, \uadf8\ub294 \uc11c\uc6b8\uc758 \ud55c \uc7ac\uac1c\ubc1c \uc9c0\uc5ed\uc5d0 \uc704\uce58\ud55c \uc544\ud30c\ud2b8\ub97c \ub9e4\uc785\ud588\ub2e4. \ub2f9\uc2dc \uc774 \uc9c0\uc5ed\uc740 \uc7ac\uac1c\ubc1c\uc774 \uc608\uc815\ub418\uc5b4 \uc788\uc5c8\uc9c0\ub9cc, \ub9ce\uc740 \ud22c\uc790\uc790\ub4e4\uc774 \uc8fc\ubaa9\ud558\uc9c0 \uc54a\uc558\ub358 \uacf3\uc774\ub2e4. \uac15\ub0a8\uc77c\ud504\ub85c\ub294 \ud574\ub2f9 \uc9c0\uc5ed\uc758 \uc778\ud504\ub77c \uac1c\ubc1c \uacc4\ud68d\uacfc \uc815\ubd80\uc758 \uc9c0\uc6d0 \uc815\ucc45\uc744 \ubd84\uc11d\ud55c \ud6c4, \uc7a5\uae30\uc801\uc778 \uad00\uc810\uc5d0\uc11c \ud22c\uc790\ub97c \uacb0\uc815\ud588\ub2e4. \uacb0\uacfc\uc801\uc73c\ub85c, \uc7ac\uac1c\ubc1c\uc774 \uc644\ub8cc\ub41c \uc774\ud6c4 \ud574\ub2f9 \uc544\ud30c\ud2b8\uc758 \uac00\uce58\ub294 \ub450 \ubc30 \uc774\uc0c1 \uc0c1\uc2b9\ud558\uba70, \uadf8\ub294 \ud070 \uc218\uc775\uc744 \uc62c\ub9b4 \uc218 \uc788\uc5c8\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uac15\ub0a8\uc77c\ud504\ub85c\ub294 \ud22c\uc790\uc5d0 \uc788\uc5b4 &#8220;\uc9c0\uc18d\uc801\uc778 \ud559\uc2b5&#8221;\uc758 \uc911\uc694\uc131\uc744 \uac15\uc870\ud55c\ub2e4. \uadf8\ub294 \ub9e4\uc77c \uc2dc\uc7a5 \ub3d9\ud5a5\uc744 \ud30c\uc545\ud558\uace0, \uc0c8\ub85c\uc6b4 \ud22c\uc790 \uae30\ubc95\uc774\ub098 \uc804\ub7b5\uc744 \uc5f0\uad6c\ud558\ub294 \ub370 \uc2dc\uac04\uc744 \ud22c\uc790\ud55c\ub2e4. \uc774\ub294 \uadf8\uac00 \uc2dc\uc7a5\uc758 \ubcc0\ud654\uc5d0 \ube60\ub974\uac8c \ub300\uc751\ud560 \uc218 \uc788\uac8c \ud574\uc8fc\uba70, \uc548\uc815\uc801\uc778 \ud22c\uc790 \uacb0\uacfc\ub97c \uc774\ub04c\uc5b4\ub0b8\ub2e4.<\/p>\n<p>\uac15\ub0a8\uc77c\ud504\ub85c\uc758 \ub9e4\ub825\uc801\uc778 \ud22c\uc790 \ube44\ubc95\uc740 \ub2e8\uc21c\ud788 \ud55c \uac00\uc9c0\uc5d0 \uad6d\ud55c\ub418\uc9c0 \uc54a\uace0, \uc5ec\ub7ec \uc694\uc18c\uac00 \ubcf5\ud569\uc801\uc73c\ub85c \uc791\uc6a9\ud55c\ub2e4. \uc2dc\uc7a5\uc5d0 \ub300\ud55c \uae4a\uc740 \uc774\ud574, \uc7a5\uae30\uc801\uc778 \uc2dc\uac01, \ucca0\uc800\ud55c \ub9ac\uc2a4\ud06c \uad00\ub9ac, \ub124\ud2b8\uc6cc\ud0b9, \uadf8\ub9ac\uace0 \uc9c0\uc18d\uc801\uc778 \ud559\uc2b5\uc740 \uadf8\uc758 \uc131\uacf5\uc801\uc778 \ud22c\uc790 \ube44\ubc95\uc758 \ud575\uc2ec \uc694\uc18c\ub4e4\uc774\ub2e4. \uc774\ub7ec\ud55c \uc6d0\uce59\uc744 \ubc14\ud0d5\uc73c\ub85c \ud22c\uc790\uc790\ub4e4\uc740 \uac15\ub0a8\uc77c\ud504\ub85c\uc640 \uac19\uc740 \uc131\uacf5\uc801\uc778 \ud22c\uc790\uc790\ub85c \uc131\uc7a5\ud560 \uc218 \uc788\ub294 \uae30\ud68c\ub97c \uc5bb\uc744 \uc218 \uc788\ub2e4. <\/p>\n<p>\ud22c\uc790\uc758 \uc138\uacc4\ub294 \uc27d\uc9c0 \uc54a\uc9c0\ub9cc, \uac15\ub0a8\uc77c\ud504\ub85c\uc758 \uc0ac\ub840\ub97c \ud1b5\ud574 \ub9ce\uc740 \uac83\uc744 \ubc30\uc6b8 \uc218 \uc788\ub2e4. \uadf8\uc758 \uc804\ub7b5\uc744 \ucc38\uace0\ud558\uc5ec \uc790\uc2e0\ub9cc\uc758 \ud22c\uc790 \ubc29\uc2dd\uc744 \ucc3e\uc544\uac00\ub294 \uc5ec\uc815\uc774 \ub418\uae30\ub97c \ubc14\ub780\ub2e4.<\/p>\n<\/p><\/div>\n<div id=\"section3\" style=\"margin: 20px 0;\">\n<h3 style=\"color: #e67e22; margin-top: 0; font-weight: bold; border-bottom: 2px solid #e67e22; padding-bottom: 10px;\">3. \ud6a8\uc728\uc801\uc778 \uc790\uc0b0 \ubc30\ubd84 \uc804\ub7b5 \uc18c\uac1c<\/h3>\n<p style=\"line-height: 1.6; margin: 10px 0 20px 0;\">\uac15\ub0a8\uc77c\ud504\ub85c\uc758 \ub9e4\ub825\uc801\uc778 \ud22c\uc790 \ube44\ubc95 \uacf5\uac1c! \uc9c0\uae08 \ud655\uc778\ud558\uc138\uc694!<\/p>\n<p>\ud22c\uc790 \uc138\uacc4\ub294 \ubcf5\uc7a1\ud558\uace0 \ud63c\ub780\uc2a4\ub7ec\uc6b8 \uc218 \uc788\uc9c0\ub9cc, \uac15\ub0a8\uc77c \ud504\ub85c\uc758 \uc811\uadfc \ubc29\uc2dd\uc740 \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \uc2e4\uc9c8\uc801\uc778 \uc131\uacfc\ub97c \uc548\uaca8\uc8fc\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub294 \uc624\ub79c \uae30\uac04 \ub3d9\uc548 \uc218\ub9ce\uc740 \ud22c\uc790\uc790\ub4e4\uc744 \ub3c4\uc640\uc654\uace0, \uadf8\uac00 \uc0ac\uc6a9\ud558\ub294 \uc804\ub7b5\uc740 \ub2e8\uc21c\ud558\uba74\uc11c\ub3c4 \uae4a\uc774 \uc788\ub294 \ubc29\ubc95\ub860\uc73c\ub85c \uc774\ub8e8\uc5b4\uc838 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ubc88 \uae00\uc5d0\uc11c\ub294 \uac15\ub0a8\uc77c \ud504\ub85c\uc758 \ud22c\uc790 \ube44\ubc95\uc744 \uc790\uc138\ud788 \uc0b4\ud3b4\ubcf4\uba70, \ucd08\ubcf4\uc790\ub4e4\ub3c4 \uc27d\uac8c \uc801\uc6a9\ud560 \uc218 \uc788\ub294 \ud301\uc744 \uc81c\uacf5\ud558\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uac15\ub0a8\uc77c \ud504\ub85c\ub294 \uba3c\uc800 \ud22c\uc790 \ubaa9\ud45c\ub97c \uba85\ud655\ud788 \ud558\ub294 \uac83\uc758 \uc911\uc694\uc131\uc744 \uac15\uc870\ud569\ub2c8\ub2e4. \ubaa8\ub4e0 \ud22c\uc790\uc790\ub294 \uc790\uc2e0\uc774 \uc6d0\ud558\ub294 \ubaa9\ud45c\ub97c \uc774\ud574\ud574\uc57c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ub2e8\uae30 \uc218\uc775\uc744 \ucd94\uad6c\ud558\ub294 \ud22c\uc790\uc790\uc640 \uc7a5\uae30\uc801\uc778 \uc790\uc0b0 \ud615\uc131\uc744 \uc6d0\ud558\ub294 \ud22c\uc790\uc790\ub294 \uc811\uadfc \ubc29\uc2dd\uc774 \ub2e4\ub985\ub2c8\ub2e4. \uc774\ub97c \uc704\ud574 \uac15\ub0a8\uc77c \ud504\ub85c\ub294 \ud22c\uc790 \ubaa9\ud45c\ub97c \uc124\uc815\ud560 \ub54c SMART \uc6d0\uce59\uc744 \uc801\uc6a9\ud560 \uac83\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4. SMART\ub294 Specific(\uad6c\uccb4\uc801), Measurable(\uce21\uc815 \uac00\ub2a5), Achievable(\ub2ec\uc131 \uac00\ub2a5), Relevant(\uad00\ub828\uc131 \uc788\ub294), Time-bound(\uc2dc\uac04 \uc81c\ud55c\uc774 \uc788\ub294)\ub97c \uc758\ubbf8\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubaa9\ud45c \uc124\uc815\uc740 \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9ac\ub294 \ub370 \uc788\uc5b4 \ubc29\ud5a5\uc131\uc744 \uc81c\uacf5\ud560 \ubfd0\ub9cc \uc544\ub2c8\ub77c, \uac10\uc815\uc801\uc778 \uacb0\uc815\uc73c\ub85c\ubd80\ud130 \ubc97\uc5b4\ub098\uac8c \ub3c4\uc640\uc90d\ub2c8\ub2e4.<\/p>\n<p>\ub2e4\uc74c\uc73c\ub85c \uac15\ub0a8\uc77c \ud504\ub85c\ub294 \uc790\uc0b0 \ubc30\ubd84\uc758 \uc911\uc694\uc131\uc744 \uac15\uc870\ud569\ub2c8\ub2e4. \uc790\uc0b0 \ubc30\ubd84\uc740 \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \uc704\ud5d8\uacfc \uc218\uc775\uc744 \uc870\uc808\ud558\ub294 \ud575\uc2ec \uc804\ub7b5\uc785\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc8fc\uc2dd, \ucc44\uad8c, \ubd80\ub3d9\uc0b0, \ub300\uccb4 \ud22c\uc790 \ub4f1 \ub2e4\uc591\ud55c \uc790\uc0b0 \ud074\ub798\uc2a4\uc5d0 \ud22c\uc790\ud568\uc73c\ub85c\uc368 \ud2b9\uc815 \uc790\uc0b0\uc758 \ud558\ub77d \uc704\ud5d8\uc744 \ubd84\uc0b0\uc2dc\ud0ac \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uac15\ub0a8\uc77c \ud504\ub85c\ub294 \uae30\ubcf8\uc801\uc73c\ub85c 60%\uc758 \uc790\uc0b0\uc744 \uc8fc\uc2dd\uc5d0, 30%\ub97c \ucc44\uad8c\uc5d0, \ub098\uba38\uc9c0 10%\ub97c \ub300\uccb4 \ud22c\uc790\uc5d0 \ubc30\ubd84\ud558\ub294 \uac83\uc744 \ucd94\ucc9c\ud569\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uac1c\uc778\uc758 \uc704\ud5d8 \uc120\ud638\ub3c4\ub098 \ud22c\uc790 \ubaa9\ud45c\uc5d0 \ub530\ub77c \uc774 \ube44\uc728\uc740 \uc870\uc815\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc774\uc640 \ud568\uaed8, \uac15\ub0a8\uc77c \ud504\ub85c\ub294 \ud22c\uc790 \uc2dc \uc2dc\uc7a5 \ubd84\uc11d\uc758 \uc911\uc694\uc131\uc744 \uac15\uc870\ud569\ub2c8\ub2e4. \uadf8\ub294 \uae30\uc220\uc801 \ubd84\uc11d\uacfc \uae30\ubcf8\uc801 \ubd84\uc11d\uc744 \uacb0\ud569\ud558\uc5ec \uc2dc\uc7a5\uc758 \ud750\ub984\uc744 \uc608\uce21\ud569\ub2c8\ub2e4. \uae30\uc220\uc801 \ubd84\uc11d\uc740 \uacfc\uac70\uc758 \uac00\uaca9 \ub370\uc774\ud130\ub97c \uae30\ubc18\uc73c\ub85c \ubbf8\ub798\uc758 \uac00\uaca9 \ubcc0\ub3d9\uc744 \uc608\uce21\ud558\ub294 \ubc29\ubc95\uc774\uba70, \uae30\ubcf8\uc801 \ubd84\uc11d\uc740 \uae30\uc5c5\uc758 \uc7ac\ubb34 \uc0c1\ud0dc\uc640 \uacbd\uc81c \uc804\ubc18\uc758 \uc870\uac74\uc744 \ubd84\uc11d\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ud2b9\uc815 \uae30\uc5c5\uc758 \uc8fc\uac00\uac00 \ud558\ub77d\ud558\ub294 \uc774\uc720\ub97c \ud30c\uc545\ud558\uae30 \uc704\ud574 \uc7ac\ubb34\uc81c\ud45c\uc640 \ud568\uaed8 \uc2dc\uc7a5\uc758 \uc804\ubc18\uc801\uc778 \uacbd\uc81c \uc9c0\ud45c\ub97c \ubd84\uc11d\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \ud22c\uc790\uc790\ub294 \ub354 \ub098\uc740 \uc758\uc0ac \uacb0\uc815\uc744 \ub0b4\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uac15\ub0a8\uc77c \ud504\ub85c\ub294 \ub610\ud55c \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9b4 \ub54c \uac10\uc815 \uad00\ub9ac\ub97c \uac15\uc870\ud569\ub2c8\ub2e4. \ud22c\uc790\uc5d0\uc11c\ub294 \uac10\uc815\uc774 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce58\uae30 \ub54c\ubb38\uc5d0, \ud22c\uc790\uc790\ub294 \uac10\uc815\uc744 \ubc30\uc81c\ud558\uace0 \ub17c\ub9ac\uc801\uc778 \uacb0\uc815\uc744 \ub0b4\ub824\uc57c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc2dc\uc7a5\uc774 \uae09\ub77d\ud560 \ub54c panic selling(\ud328\ub2c9 \ub9e4\ub3c4)\uc744 \ud558\ub294 \uac83\uc740 \ub9ce\uc740 \ud22c\uc790\uc790\ub4e4\uc774 \ubc94\ud558\ub294 \uc2e4\uc218\uc785\ub2c8\ub2e4. \uac15\ub0a8\uc77c \ud504\ub85c\ub294 \uc774\ub7ec\ud55c \uc0c1\ud669\uc5d0\uc11c \ubbf8\ub9ac \uc124\uc815\ud55c \ud22c\uc790 \ubaa9\ud45c\uc640 \uc804\ub7b5\uc744 \ub2e4\uc2dc \ub418\uc9da\uc5b4\ubcf4\uba70, \ub0c9\uc815\ud55c \ud310\ub2e8\uc744 \uc720\uc9c0\ud560 \uac83\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c \uac15\ub0a8\uc77c \ud504\ub85c\ub294 \uc815\uae30\uc801\uc778 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc810\uac80\uc758 \ud544\uc694\uc131\uc744 \uac15\uc870\ud569\ub2c8\ub2e4. \ud22c\uc790 \ud658\uacbd\uc740 \uc9c0\uc18d\uc801\uc73c\ub85c \ubcc0\ud654\ud558\ubbc0\ub85c, \ud22c\uc790\uc790\ub294 \uc790\uc2e0\uc758 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uac00 \ubaa9\ud45c\uc5d0 \ubd80\ud569\ud558\ub294\uc9c0\ub97c \uc8fc\uae30\uc801\uc73c\ub85c \uc810\uac80\ud574\uc57c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ud2b9\uc815 \uc790\uc0b0\uc758 \ube44\uc911\uc774 \uacfc\ub3c4\ud558\uac8c \uc99d\uac00\ud558\uac70\ub098 \uac10\uc18c\ud558\ub294 \uacbd\uc6b0, \uc774\ub97c \uc870\uc815\ud558\uc5ec \uc6d0\ub798\uc758 \uc790\uc0b0 \ubc30\ubd84 \uc804\ub7b5\uc5d0 \ub9de\ucd94\uc5b4\uc57c \ud569\ub2c8\ub2e4. \uc774\ub294 \uc704\ud5d8 \uad00\ub9ac\ub97c \ud1b5\ud574 \ud22c\uc790 \uc131\uacfc\ub97c \uadf9\ub300\ud654\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<p>\ucd08\ubcf4\uc790\ub97c \uc704\ud55c \ud301\uc73c\ub85c\ub294, \uc18c\uc561\uc73c\ub85c \uc2dc\uc791\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \ucc98\uc74c \ud22c\uc790\ud558\ub294 \uacbd\uc6b0, \ud070 \uae08\uc561\uc744 \ud22c\uc790\ud558\uae30\ubcf4\ub2e4\ub294 \uc18c\uc561\uc73c\ub85c \uc2dc\uc791\ud558\uc5ec \uc2dc\uc7a5\uc5d0 \ub300\ud55c \uc774\ud574\ub3c4\ub97c \ub192\uc774\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ub610\ud55c, \ub2e4\uc591\ud55c \ud22c\uc790 \uad50\uc721 \uc790\ub8cc\ub97c \ud65c\uc6a9\ud558\uc5ec \uc9c0\uc2dd\uc744 \uc313\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uac15\ub0a8\uc77c \ud504\ub85c\ub294 \uc790\uc2e0\uc774 \ubbff\ub294 \ud22c\uc790 \uc804\ub7b5\uc744 \ucc3e\uae30 \uc704\ud574 \uc5ec\ub7ec \uac00\uc9c0 \ubc29\ubc95\uc744 \uc2dc\ub3c4\ud574\ubcf4\ub294 \uac83\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \uac1c\uc778\uc758 \ud22c\uc790 \uc131\ud5a5\uacfc \ubaa9\ud45c\uc5d0 \ub9de\ub294 \ucd5c\uc801\uc758 \uc804\ub7b5\uc744 \ucc3e\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uac15\ub0a8\uc77c \ud504\ub85c\uc758 \ud22c\uc790 \ube44\ubc95\uc740 \ub2e8\uc21c\ud788 \uae30\uc220\uc801\uc778 \uc694\uc18c\ubfd0\ub9cc \uc544\ub2c8\ub77c \uac10\uc815 \uad00\ub9ac\uc640 \uc2dc\uc7a5 \ubd84\uc11d\uc744 \ud3ec\ud568\ud55c \uc885\ud569\uc801\uc778 \uc811\uadfc \ubc29\uc2dd\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc804\ub7b5\uc744 \ud1b5\ud574 \ud22c\uc790\uc790\ub294 \ub354 \ub098\uc740 \uacb0\uc815\uc744 \ub0b4\ub9ac\uace0, \uc790\uc2e0\uc758 \ubaa9\ud45c\uc5d0 \ub9de\ub294 \ud22c\uc790 \uc131\uacfc\ub97c \uc774\ub8f0 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud22c\uc790 \uc138\uacc4\ub294 \ub04a\uc784\uc5c6\uc774 \ubcc0\ud654\ud558\ubbc0\ub85c, \uc9c0\uc18d\uc801\uc778 \ud559\uc2b5\uacfc \uc801\uc751\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uac15\ub0a8\uc77c \ud504\ub85c\uc758 \ube44\ubc95\uc744 \ud1b5\ud574 \uc5ec\ub7ec\ubd84\uc758 \ud22c\uc790 \uc5ec\uc815\uc774 \ub354\uc6b1 \uc131\uacf5\uc801\uc774\uae38 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n<\/p><\/div>\n<div id=\"section4\" style=\"margin: 20px 0;\">\n<h3 style=\"color: #e67e22; margin-top: 0; font-weight: bold; border-bottom: 2px solid #e67e22; padding-bottom: 10px;\">4. \ub9ac\uc2a4\ud06c \uad00\ub9ac\uc758 \uc911\uc694\uc131\uacfc \uc2e4\ucc9c \ubc29\ubc95<\/h3>\n<p style=\"line-height: 1.6; margin: 10px 0 20px 0;\">\uac15\ub0a8\uc77c\ud504\ub85c\uc758 \ub9e4\ub825\uc801\uc778 \ud22c\uc790 \ube44\ubc95 \uacf5\uac1c! \uc9c0\uae08 \ud655\uc778\ud558\uc138\uc694!<\/p>\n<p>\uc624\ub298\uc740 \uac15\ub0a8\uc77c\ud504\ub85c\uc758 \ud22c\uc790 \ube44\ubc95\uc5d0 \ub300\ud574 \uae4a\uc774 \uc788\ub294 \uc774\uc57c\uae30\ub97c \ub098\ub220\ubcf4\ub824 \ud55c\ub2e4. \uac15\ub0a8\uc77c\ud504\ub85c\ub294 \uc5ec\ub7ec \ud574\uc5d0 \uac78\uccd0 \ud22c\uc790 \ubd84\uc57c\uc5d0\uc11c \ud65c\ubc1c\ud788 \ud65c\ub3d9\ud558\uba70 \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \uc2e0\ub8b0\ub97c \uc5bb\uc740 \uc804\ubb38\uac00\ub2e4. \uadf8\uc758 \ud22c\uc790 \uc804\ub7b5\uc740 \ub2e8\uc21c\ud788 \uc22b\uc790\uc640 \uadf8\ub798\ud504\uc5d0\ub9cc \uc758\uc874\ud558\uc9c0 \uc54a\uace0, \uc2dc\uc7a5\uc758 \ud750\ub984\uc744 \ud30c\uc545\ud558\uace0 \uc0ac\ub78c\ub4e4\uc758 \uc2ec\ub9ac\ub97c \uc774\ud574\ud558\ub294 \ub370 \uc911\uc810\uc744 \ub454\ub2e4. \uc774\ub7ec\ud55c \uc811\uadfc \ubc29\uc2dd\uc774 \uc5b4\ub5bb\uac8c \ud6a8\uacfc\ub97c \ubcf4\ub294\uc9c0 \uc0b4\ud3b4\ubcf4\uc790.<\/p>\n<p>\uccab \ubc88\uc9f8\ub85c, \uac15\ub0a8\uc77c\ud504\ub85c\ub294 \ud56d\uc0c1 \uc2dc\uc7a5 \ubd84\uc11d\uc744 \uae30\ubcf8\uc73c\ub85c \ud55c\ub2e4. \ud22c\uc790\uc5d0 \uc788\uc5b4 \uac00\uc7a5 \uc911\uc694\ud55c \uac83\uc740 \uc815\ubcf4\uc758 \uc591\uacfc \uc9c8\uc774\ub2e4. \uadf8\ub294 \uc815\uae30\uc801\uc73c\ub85c \uacbd\uc81c \ub274\uc2a4\uc640 \uae00\ub85c\ubc8c \uc774\ubca4\ud2b8\ub97c \uccb4\ud06c\ud558\uba70, \uadf8\uc5d0 \ub530\ub978 \uc2dc\uc7a5\uc758 \ubc18\uc751\uc744 \uc608\uce21\ud558\ub294 \ub370 \uc9d1\uc911\ud55c\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ubbf8\uad6d\uc758 \uae08\ub9ac \uc778\uc0c1 \uc18c\uc2dd\uc774 \uc804\ud574\uc9c0\uba74, \uadf8\uc5d0 \ub530\ub978 \ud55c\uad6d \uc2dc\uc7a5\uc758 \ubc18\uc751\uc744 \ubd84\uc11d\ud558\uc5ec \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9b0\ub2e4. \uc774 \uacfc\uc815\uc5d0\uc11c \uac15\ub0a8\uc77c\ud504\ub85c\ub294 \ub2e4\uc591\ud55c \ucc28\ud2b8\uc640 \uc9c0\ud45c\ub97c \ud65c\uc6a9\ud574 \ub370\uc774\ud130\ub97c \uc2dc\uac01\uc801\uc73c\ub85c \ubd84\uc11d\ud55c\ub2e4. \uadf8\uac00 \uc120\ud638\ud558\ub294 \uae30\uc220\uc801 \ubd84\uc11d \ub3c4\uad6c \uc911 \ud558\ub098\ub294 \uc774\ub3d9 \ud3c9\uade0\uc120\uc774\ub2e4. \uc774\ub3d9 \ud3c9\uade0\uc120\uc740 \uc8fc\uac00\uc758 \ubcc0\ub3d9\uc131\uc744 \uac10\uc18c\uc2dc\ud0a4\uace0, \ucd94\uc138\ub97c \ud655\uc778\ud558\ub294 \ub370 \uc720\uc6a9\ud558\ub2e4.<\/p>\n<p>\ub450 \ubc88\uc9f8\ub85c, \uac15\ub0a8\uc77c\ud504\ub85c\ub294 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ub2e4\uac01\ud654\ub97c \uc911\uc694\uc2dc\ud55c\ub2e4. \ub2e8\uc77c \uc790\uc0b0\uc5d0 \uc9d1\uc911 \ud22c\uc790\ud558\ub294 \uac83\uc740 \ub192\uc740 \ub9ac\uc2a4\ud06c\ub97c \uc218\ubc18\ud55c\ub2e4. \uc774\ub97c \ubc29\uc9c0\ud558\uae30 \uc704\ud574 \uadf8\ub294 \uc8fc\uc2dd, \ucc44\uad8c, \ubd80\ub3d9\uc0b0 \ub4f1 \ub2e4\uc591\ud55c \uc790\uc0b0\uad70\uc5d0 \ud22c\uc790\ud558\ub294 \uac83\uc744 \ucd94\ucc9c\ud55c\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ub9cc\uc57d \uadf8\ub294 \ud2b9\uc815 \uc8fc\uc2dd\uc5d0 \ud070 \ube44\uc911\uc744 \ub450\uace0 \uc788\ub2e4\uba74, \ub3d9\uc2dc\uc5d0 \uc548\uc815\uc801\uc778 \ucc44\uad8c\uc774\ub098 \uae08\uacfc \uac19\uc740 \uc548\uc804 \uc790\uc0b0\uc5d0\ub3c4 \ud22c\uc790\ud574 \ub9ac\uc2a4\ud06c\ub97c \ubd84\uc0b0\uc2dc\ud0a8\ub2e4. \uc774\ub807\uac8c \ud558\uba74 \ud2b9\uc815 \uc790\uc0b0\uc758 \ud558\ub77d\uc774 \uc804\uccb4 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc744 \ucd5c\uc18c\ud654\ud560 \uc218 \uc788\ub2e4.<\/p>\n<p>\uc138 \ubc88\uc9f8\ub85c \uc911\uc694\ud55c \uc694\uc18c\ub294 \ub9ac\uc2a4\ud06c \uad00\ub9ac\uc774\ub2e4. \uac15\ub0a8\uc77c\ud504\ub85c\ub294 \ub9ac\uc2a4\ud06c\ub97c \uc644\uc804\ud788 \uc5c6\uc568 \uc218\ub294 \uc5c6\uc9c0\ub9cc, \ucd5c\uc18c\ud654\ud558\ub294 \ubc29\ubc95\uc5d0 \ub300\ud574 \ub9ce\uc740 \uc5f0\uad6c\ub97c \ud574\uc654\ub2e4. \uadf8\uac00 \ucd94\ucc9c\ud558\ub294 \ud55c \uac00\uc9c0 \ubc29\ubc95\uc740 \uc190\uc808\ub9e4\ub97c \uc124\uc815\ud558\ub294 \uac83\uc774\ub2e4. \uc190\uc808\ub9e4\ub294 \uc190\uc2e4\uc744 \uac10\ub2f9\ud560 \uc218 \uc788\ub294 \ubc94\uc704\uc5d0\uc11c \ubbf8\ub9ac \uc815\ud574\ub193\ub294 \uac00\uaca9\uc774\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc5b4\ub5a4 \uc8fc\uc2dd\uc744 10\ub9cc \uc6d0\uc5d0 \uc0ac\uc11c \uc190\uc808\ub9e4\ub97c 8\ub9cc \uc6d0\uc73c\ub85c \uc124\uc815\ud558\uba74 \uc8fc\uac00\uac00 8\ub9cc \uc6d0 \uc774\ud558\ub85c \ub5a8\uc5b4\uc9c8 \uacbd\uc6b0 \uc790\ub3d9\uc73c\ub85c \ub9e4\ub3c4\ud558\uc5ec \uc190\uc2e4\uc744 \uc904\uc77c \uc218 \uc788\ub2e4. \uc774\ub7ec\ud55c \uc804\ub7b5\uc740 \ud2b9\ud788 \ubcc0\ub3d9\uc131\uc774 \ud070 \uc2dc\uc7a5\uc5d0\uc11c \uc720\uc6a9\ud558\ub2e4.<\/p>\n<p>\uadf8\uc758 \ud22c\uc790 \ube44\ubc95 \uc911 \ub610 \ub2e4\ub978 \uc911\uc694\ud55c \uc694\uc18c\ub294 \uac10\uc815 \uc870\uc808\uc774\ub2e4. \ub9ce\uc740 \ud22c\uc790\uc790\ub4e4\uc774 \uc2dc\uc7a5\uc758 \uae09\ub4f1\ub77d\uc5d0 \ud718\ub458\ub9ac\uae30 \uc27d\ub2e4. \ud558\uc9c0\ub9cc \uac15\ub0a8\uc77c\ud504\ub85c\ub294 \uac10\uc815\uc744 \ubc30\uc81c\ud558\uace0, \ucca0\uc800\ud788 \ub370\uc774\ud130\uc640 \ubd84\uc11d\uc5d0 \uae30\ubc18\ud55c \uc758\uc0ac\uacb0\uc815\uc744 \ub0b4\ub9ac\ub294 \uac83\uc744 \uac15\uc870\ud55c\ub2e4. \ud2b9\ud788, \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9b4 \ub54c\ub294 \ud56d\uc0c1 &#8220;\uc774\uc131\uc801\uc778 \ud310\ub2e8&#8221;\uc744 \uc6b0\uc120\uc2dc\ud574\uc57c \ud55c\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc8fc\uc2dd\uc774 \uae09\ub4f1\ud560 \ub54c\uc758 \ud22c\uc790 \uc2ec\ub9ac\uc5d0 \ud718\ub458\ub9ac\uc9c0 \uc54a\uace0, \ud574\ub2f9 \uae30\uc5c5\uc758 \ud380\ub354\uba58\ud138\uc744 \ubd84\uc11d\ud558\ub294 \uac83\uc774 \uc911\uc694\ud558\ub2e4.<\/p>\n<p>\ub610\ud55c \uac15\ub0a8\uc77c\ud504\ub85c\ub294 \ud22c\uc790 \uad50\uc721\uc758 \uc911\uc694\uc131\uc744 \uac15\uc870\ud55c\ub2e4. \ub9ce\uc740 \ud22c\uc790\uc790\ub4e4\uc774 \ub2e8\uc21c\ud788 \uc815\ubcf4\ub97c \uc218\uc9d1\ud558\uace0 \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9ac\uc9c0\ub9cc, \ucda9\ubd84\ud55c \uad50\uc721 \uc5c6\uc774 \ud589\ub3d9\ud558\ub294 \uac83\uc740 \uc704\ud5d8\ud560 \uc218 \uc788\ub2e4. \uadf8\ub294 \uc790\uc2e0\uc5d0\uac8c \ub9de\ub294 \ud22c\uc790 \uc2a4\ud0c0\uc77c\uc744 \ucc3e\uae30 \uc704\ud574 \ub2e4\uc591\ud55c \uad50\uc721 \uc790\ub8cc\ub97c \uc77d\uace0, \uc138\ubbf8\ub098\uc5d0 \ucc38\uc11d\ud558\ub294 \uac83\uc744 \ucd94\ucc9c\ud55c\ub2e4. \uc774\ub97c \ud1b5\ud574 \uc790\uc2e0\ub9cc\uc758 \ud22c\uc790 \ucca0\ud559\uc744 \uac1c\ubc1c\ud558\uace0, \uc2dc\uc7a5\uc5d0 \ub300\ud55c \uc774\ud574\ub3c4\ub97c \ub192\uc77c \uc218 \uc788\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uac15\ub0a8\uc77c\ud504\ub85c\ub294 \uc9c0\uc18d\uc801\uc778 \uc790\uae30 \uac1c\ubc1c\uc758 \ud544\uc694\uc131\uc744 \uac15\uc870\ud55c\ub2e4. \ud22c\uc790 \uc2dc\uc7a5\uc740 \ud56d\uc0c1 \ubcc0\ud654\ud55c\ub2e4. \uc0c8\ub85c\uc6b4 \ud2b8\ub80c\ub4dc\uc640 \uae30\uc220\uc774 \ub4f1\uc7a5\ud558\uba70, \uc774\ub7ec\ud55c \ubcc0\ud654\uc5d0 \uc801\uc751\ud558\uc9c0 \uc54a\uc73c\uba74 \ub4a4\ucc98\uc9c8 \uc218 \uc788\ub2e4. \ub530\ub77c\uc11c \uadf8\ub294 \ucd5c\uc2e0 \uacbd\uc81c \ub3d9\ud5a5\uacfc \ud22c\uc790 \uc804\ub7b5\uc5d0 \ub300\ud55c \uc5f0\uad6c\ub97c \uac8c\uc744\ub9ac\ud558\uc9c0 \uc54a\ub294\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ucd5c\uadfc\uc5d0\ub294 ESG(\ud658\uacbd, \uc0ac\ud68c, \uc9c0\ubc30\uad6c\uc870) \ud22c\uc790\uc5d0 \ub300\ud55c \uad00\uc2ec\uc774 \ub192\uc544\uc9c0\uace0 \uc788\ub2e4. \uc774\ub7ec\ud55c \ubcc0\ud654\uc5d0 \ubc1c\ub9de\ucdb0 \ud22c\uc790 \uc804\ub7b5\uc744 \uc218\uc815\ud558\uace0 \uc801\uc6a9\ud558\ub294 \uac83\uc774 \uc911\uc694\ud558\ub2e4.<\/p>\n<p>\uac15\ub0a8\uc77c\ud504\ub85c\uc758 \ud22c\uc790 \ube44\ubc95\uc740 \ub2e8\uc21c\ud788 \uc22b\uc790\uc640 \uadf8\ub798\ud504\uc5d0 \uc758\uc874\ud558\uc9c0 \uc54a\uace0, \uc2dc\uc7a5\uc758 \ud750\ub984\uacfc \uc0ac\ub78c\ub4e4\uc758 \uc2ec\ub9ac\ub97c \uc774\ud574\ud558\ub294 \ub370 \uc911\uc810\uc744 \ub450\uace0 \uc788\ub2e4. \uadf8\uc758 \uc804\ub7b5\uc744 \ud1b5\ud574 \ud22c\uc790\uc790\ub4e4\uc740 \ub354\uc6b1 \uccb4\uacc4\uc801\uc774\uace0, \ud6a8\uacfc\uc801\uc778 \ud22c\uc790\ub97c \ud560 \uc218 \uc788\uc744 \uac83\uc774\ub2e4. \uc774 \uae00\uc744 \ud1b5\ud574 \uac15\ub0a8\uc77c\ud504\ub85c\uc758 \ub9e4\ub825\uc801\uc778 \ud22c\uc790 \ube44\ubc95\uc744 \uc774\ud574\ud558\uace0, \uc790\uc2e0\uc758 \ud22c\uc790 \uc804\ub7b5\uc5d0 \uc801\uc6a9\ud574 \ubcf4\uae38 \ubc14\ub780\ub2e4. <\/p>\n<p>\ud22c\uc790\ub294 \uc790\uc2e0\uacfc\uc758 \uc2f8\uc6c0\uc774\uae30\ub3c4 \ud558\ub2e4. \uc774\uc131\uc801\uc778 \ud310\ub2e8\uc744 \uc720\uc9c0\ud558\uace0, \uc2dc\uc7a5\uc758 \ubcc0\ub3d9\uc131\uc5d0 \ud754\ub4e4\ub9ac\uc9c0 \uc54a\ub294 \uac83\uc774 \uc131\uacf5\uc801\uc778 \ud22c\uc790\ub85c \uc774\uc5b4\uc9c8 \uac83\uc774\ub2e4.<\/p>\n<\/p><\/div>\n<div id=\"section5\" style=\"margin: 20px 0;\">\n<h3 style=\"color: #e67e22; margin-top: 0; font-weight: bold; border-bottom: 2px solid #e67e22; padding-bottom: 10px;\">5. \uac15\ub0a8\uc77c\ud504\ub85c\uc758 \ud22c\uc790 \ud301\uacfc \uc870\uc5b8 \uacf5\uc720<\/h3>\n<p style=\"line-height: 1.6; margin: 10px 0 20px 0;\">\uac15\ub0a8\uc77c\ud504\ub85c\ub294 \ub300\ud55c\ubbfc\uad6d \uae08\uc735 \uc2dc\uc7a5\uc5d0\uc11c \uc8fc\ubaa9\ubc1b\ub294 \ud22c\uc790 \uc804\ubb38\uac00\ub85c, \uadf8\ub9cc\uc758 \ub3c5\ucc3d\uc801\uc778 \ud22c\uc790 \ube44\ubc95\uc774 \ub9ce\uc740 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \uad00\uc2ec\uc744 \ubc1b\uace0 \uc788\ub2e4. \uac15\ub0a8\uc77c\ud504\ub85c\uc758 \ud22c\uc790 \uc804\ub7b5\uc740 \ub2e8\uc21c\ud55c \uc8fc\uc2dd \uac70\ub798\ub97c \ub118\uc5b4, \uc885\ud569\uc801\uc778 \ud22c\uc790 \uad00\uc810\uc5d0\uc11c \uc811\uadfc\ud558\ub294 \uac83\uc774 \ud2b9\uc9d5\uc774\ub2e4. \uc774 \uae00\uc5d0\uc11c\ub294 \uac15\ub0a8\uc77c\ud504\ub85c\uc758 \ud22c\uc790 \ube44\ubc95\uc5d0 \ub300\ud574 \uae4a\uc774 \uc788\uac8c \uc0b4\ud3b4\ubcf4\uba70, \uc2e4\uc81c \uc0ac\ub840\uc640 \ucd5c\uc2e0 \ud2b8\ub80c\ub4dc\ub97c \ud1b5\ud574 \uadf8\uc758 \ud22c\uc790 \ucca0\ud559\uc744 \uc774\ud574\ud574\ubcf4\uaca0\ub2e4.<\/p>\n<p>\uac15\ub0a8\uc77c\ud504\ub85c\uc758 \ud22c\uc790 \ube44\ubc95\uc740 \ud06c\uac8c \uc138 \uac00\uc9c0\ub85c \uc694\uc57d\ud560 \uc218 \uc788\ub2e4. \uccab\uc9f8, \ucca0\uc800\ud55c \uc2dc\uc7a5 \ubd84\uc11d\uc774\ub2e4. \uac15\ub0a8\uc77c\ud504\ub85c\ub294 \uc2dc\uc7a5\uc758 \ub3d9\ud5a5\uc744 \ud30c\uc545\ud558\uae30 \uc704\ud574 \ub2e4\uc591\ud55c \ub370\uc774\ud130 \ubd84\uc11d \uae30\ubc95\uc744 \ud65c\uc6a9\ud55c\ub2e4. \uc774\ub97c \ud1b5\ud574 \uc8fc\uc2dd \uc2dc\uc7a5\uc758 \ud750\ub984\uc744 \uc608\uce21\ud558\uace0, \ud22c\uc790\ud560 \uc885\ubaa9\uc744 \uc120\uc815\ud558\ub294 \ub370 \ub3c4\uc6c0\uc744 \uc900\ub2e4. \uadf8\ub294 \uae30\ubcf8\uc801 \ubd84\uc11d\uacfc \uae30\uc220\uc801 \ubd84\uc11d\uc744 \ubaa8\ub450 \uc544\uc6b0\ub974\uba70, \uac01 \uae30\uc5c5\uc758 \uc7ac\ubb34\uc81c\ud45c\uc640 \uc0b0\uc5c5 \ub3d9\ud5a5\uc744 \uba74\ubc00\ud788 \ubd84\uc11d\ud558\ub294 \uac83\uc73c\ub85c \uc720\uba85\ud558\ub2e4.<\/p>\n<p>\ub458\uc9f8, \ub9ac\uc2a4\ud06c \uad00\ub9ac\uc5d0 \ub300\ud55c \ucca0\uc800\ud568\uc774\ub2e4. \uac15\ub0a8\uc77c\ud504\ub85c\ub294 \ud22c\uc790\uc5d0 \uc788\uc5b4 \ub9ac\uc2a4\ud06c\ub97c \ucd5c\uc18c\ud654\ud558\ub294 \uac83\uc744 \ucd5c\uc6b0\uc120 \ubaa9\ud45c\ub85c \uc0bc\ub294\ub2e4. \uadf8\ub294 \uc790\uc0b0 \ubc30\ubd84 \uc804\ub7b5\uc744 \ud1b5\ud574 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \ub9ac\uc2a4\ud06c\ub97c \ubd84\uc0b0\uc2dc\ud0a4\uace0, \ud2b9\uc815 \uc885\ubaa9\uc5d0 \ub300\ud55c \uacfc\ub3c4\ud55c \uc758\uc874\uc744 \ud53c\ud55c\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uadf8\ub294 \ud55c \uc885\ubaa9\uc5d0 10% \uc774\uc0c1\uc758 \ube44\uc911\uc744 \ub450\uc9c0 \uc54a\ub294 \uc6d0\uce59\uc744 \uc138\uc6b0\uace0, \uc774\ub97c \ud1b5\ud574 \uc190\uc2e4\uc744 \ucd5c\uc18c\ud654\ud558\ub294 \uc804\ub7b5\uc744 \uad6c\uc0ac\ud55c\ub2e4.<\/p>\n<p>\uc14b\uc9f8, \uc2ec\ub9ac\uc801 \uc694\uc778 \uad00\ub9ac\ub2e4. \ud22c\uc790\uc5d0\uc11c \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc774 \uac10\uc815\uc5d0 \ud718\ub458\ub9ac\uae30 \uc26c\uc6b4\ub370, \uac15\ub0a8\uc77c\ud504\ub85c\ub294 \uc774\ub97c \uc798 \uc54c\uace0 \uc788\ub2e4. \uadf8\ub294 \uba85\ud655\ud55c \ud22c\uc790 \uae30\uc900\uc744 \uc138\uc6b0\uace0, \uac10\uc815\uc801 \uacb0\uc815\uc744 \ub0b4\ub9ac\uc9c0 \uc54a\ub3c4\ub85d \uc2a4\uc2a4\ub85c\ub97c \ub2e4\uc2a4\ub9ac\ub294 \ubc29\ubc95\uc744 \uac15\uc870\ud55c\ub2e4. \uc2e4\ub840\ub85c, \uadf8\ub294 \uc2dc\uc7a5\uc774 \uae09\ub77d\ud560 \ub54c \uc624\ud788\ub824 \ub9e4\uc218 \uae30\ud68c\ub97c \ub178\ub9ac\ub294 \uc804\ub7b5\uc744 \ud1b5\ud574 \uc5ec\ub7ec \ucc28\ub840 \uc131\uacf5\uc801\uc778 \ud22c\uc790\ub97c \uc774\ub04c\uc5b4\ub0c8\ub2e4.<\/p>\n<p>\uac15\ub0a8\uc77c\ud504\ub85c\uc758 \ud22c\uc790 \ube44\ubc95\uc744 \uc2e4\uc81c \uc0ac\ub840\uc640 \ud568\uaed8 \uc0b4\ud3b4\ubcf4\uc790. \uc608\ub97c \ub4e4\uc5b4, 2020\ub144 \ucf54\ub85c\ub09819 \ud32c\ub370\ubbf9\uc774 \uc2dc\uc791\ub418\uc5c8\uc744 \ub54c, \ub9ce\uc740 \ud22c\uc790\uc790\ub4e4\uc774 \uacf5\ud3ec\uc5d0 \ud718\ub458\ub824 \uc8fc\uc2dd\uc744 \ub9e4\ub3c4\ud588\ub2e4. \ubc18\uba74, \uac15\ub0a8\uc77c\ud504\ub85c\ub294 \uc774 \uc2dc\uae30\ub97c \uae30\ud68c\ub85c \uc0bc\uc558\ub2e4. \uadf8\ub294 \ud32c\ub370\ubbf9\uc73c\ub85c \uc778\ud574 \uc800\ud3c9\uac00\ub41c \uae30\uc5c5\ub4e4\uc744 \ubd84\uc11d\ud558\uace0, \ud5a5\ud6c4 \ud68c\ubcf5 \uac00\ub2a5\uc131\uc774 \ub192\uc740 \uc885\ubaa9\uc5d0 \ud22c\uc790\ud558\uae30 \uc2dc\uc791\ud588\ub2e4. \uc774 \uc804\ub7b5\uc740 \uacb0\uacfc\uc801\uc73c\ub85c \ud070 \uc218\uc775\uc744 \uc548\uaca8\uc8fc\uc5c8\uace0, \uadf8\uc758 \ud22c\uc790 \uc6d0\uce59\uc744 \uc99d\uba85\ud558\ub294 \uc0ac\ub840\uac00 \ub418\uc5c8\ub2e4.<\/p>\n<p>\uac15\ub0a8\uc77c\ud504\ub85c\uc758 \ud22c\uc790 \ube44\ubc95\uc5d0\ub294 \uc7a5\uc810\ub3c4 \ubd84\uba85\ud558\uc9c0\ub9cc, \ub2e8\uc810\ub3c4 \uc874\uc7ac\ud55c\ub2e4. \uc7a5\uc810\uc73c\ub85c\ub294 \ucca0\uc800\ud55c \ubd84\uc11d\uacfc \ub9ac\uc2a4\ud06c \uad00\ub9ac \ub355\ubd84\uc5d0 \uc548\uc815\uc801\uc778 \uc218\uc775\uc744 \uae30\ub300\ud560 \uc218 \uc788\ub2e4\ub294 \uc810\uc774 \uc788\ub2e4. \ub610\ud55c, \uac10\uc815\uc801 \uc694\uc778 \uad00\ub9ac\ub97c \ud1b5\ud574 \ud3c9\uc815\uc2ec\uc744 \uc720\uc9c0\ud560 \uc218 \uc788\ub2e4\ub294 \uac83\ub3c4 \uadf8\uc758 \ud22c\uc790 \ucca0\ud559\uc758 \ud070 \uc7a5\uc810 \uc911 \ud558\ub098\ub2e4.<\/p>\n<p>\ud558\uc9c0\ub9cc \ub2e8\uc810\uc73c\ub85c\ub294 \uadf8\uc758 \ud22c\uc790 \uc804\ub7b5\uc774 \ub2e4\uc18c \ubcf4\uc218\uc801\uc774\ub77c\ub294 \uc810\uc774 \uc788\ub2e4. \uacf5\uaca9\uc801\uc778 \uc218\uc775\uc744 \ucd94\uad6c\ud558\ub294 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c\ub294 \uc801\ud569\ud558\uc9c0 \uc54a\uc744 \uc218 \uc788\uc73c\uba70, \uc2dc\uc7a5\uc758 \uae09\uaca9\ud55c \ubcc0\ud654\uc5d0 \uc989\uac01\uc801\uc73c\ub85c \ub300\uc751\ud558\uae30 \uc5b4\ub824\uc6b4 \uacbd\uc6b0\ub3c4 \ubc1c\uc0dd\ud560 \uc218 \uc788\ub2e4. \ub530\ub77c\uc11c \uac15\ub0a8\uc77c\ud504\ub85c\uc758 \ube44\ubc95\uc744 \ub530\ub974\uae30 \uc804, \uc790\uc2e0\uc758 \ud22c\uc790 \uc131\ud5a5\uacfc \ubaa9\ud45c\ub97c \ubd84\uba85\ud788 \ud558\ub294 \uac83\uc774 \uc911\uc694\ud558\ub2e4.<\/p>\n<p>\ud604\uc7ac \uae08\uc735 \uc2dc\uc7a5\uc740 \ube60\ub974\uac8c \ubcc0\ud654\ud558\uace0 \uc788\uc73c\uba70, \ud2b9\ud788 \ub514\uc9c0\ud138 \uc790\uc0b0\uacfc \uac19\uc740 \uc0c8\ub85c\uc6b4 \ud22c\uc790 \ubd84\uc57c\uac00 \ub5a0\uc624\ub974\uace0 \uc788\ub2e4. \uac15\ub0a8\uc77c\ud504\ub85c\ub294 \uc774\ub7ec\ud55c \ud2b8\ub80c\ub4dc\uc5d0\ub3c4 \uc8fc\ubaa9\ud558\uace0 \uc788\uc73c\uba70, \ube14\ub85d\uccb4\uc778 \uae30\uc220\uc774\ub098 \uc554\ud638\ud654\ud3d0\uc5d0 \ub300\ud55c \uc5f0\uad6c\ub97c \uc9c0\uc18d\ud558\uace0 \uc788\ub2e4. \uadf8\ub294 \uae30\uc874 \ud22c\uc790 \uc804\ub7b5\uc744 \ub514\uc9c0\ud138 \uc790\uc0b0\uc5d0\ub3c4 \uc801\uc6a9\ud560 \uc218 \uc788\ub294 \ubc29\ubc95\uc744 \ubaa8\uc0c9\ud558\uace0 \uc788\uc73c\uba70, \uc774\ub97c \ud1b5\ud574 \uc0c8\ub85c\uc6b4 \uae30\ud68c\ub97c \ucc3e\uace0 \uc788\ub2e4.<\/p>\n<p>\uac15\ub0a8\uc77c\ud504\ub85c\uc758 \ud22c\uc790 \ube44\ubc95\uc740 \ub2e8\uc21c\ud55c \uae30\uc220\uc801 \ub178\ud558\uc6b0\uc5d0 \uadf8\uce58\uc9c0 \uc54a\uace0, \ucca0\ud559\uc801 \uc811\uadfc\uae4c\uc9c0 \ud3ec\ud568\ud558\uace0 \uc788\ub2e4. \uadf8\uc758 \ud22c\uc790 \uc6d0\uce59\uc740 \uc2e0\ub8b0\uc640 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