{"id":57258,"date":"2025-03-20T21:40:47","date_gmt":"2025-03-20T12:40:47","guid":{"rendered":"https:\/\/bbphapae.shop\/blog\/lifestyle\/comparative-analysis-of-financial-products-for-fresh-graduates"},"modified":"2025-03-20T21:40:50","modified_gmt":"2025-03-20T12:40:50","slug":"comparative-analysis-of-financial-products-for-fresh-graduates","status":"publish","type":"post","link":"https:\/\/bbphapae.shop\/blog\/lifestyle\/comparative-analysis-of-financial-products-for-fresh-graduates","title":{"rendered":"\uc0ac\ud68c \ucd08\ub144\uc0dd\uc744 \uc704\ud55c \uae08\uc735 \uc0c1\ud488 \ube44\uad50 \ubd84\uc11d"},"content":{"rendered":"<ul class=\"toc_post_list\">\n<li>\n<h2>\ubaa9\ucc28<\/h2>\n<ul>\n<li><a href=\"#%ec%82%ac%ed%9a%8c-%ec%b4%88%eb%85%84%ec%83%9d%ec%9d%84-%ec%9c%84%ed%95%9c-%ea%b8%88%ec%9c%b5-%ec%83%81%ed%92%88-%eb%b9%84%ea%b5%90-%eb%b6%84%ec%84%9d-AtPlAgMEet\">\uc0ac\ud68c \ucd08\ub144\uc0dd\uc744 \uc704\ud55c \uae08\uc735 \uc0c1\ud488 \ube44\uad50 \ubd84\uc11d<\/a><\/li>\n<li><a href=\"#%ec%84%b9%ec%85%98-1-%ea%b8%88%ec%9c%b5-%ea%b8%b0%ec%b4%88-%ec%a7%80%ec%8b%9d%ec%9d%98-%ec%a4%91%ec%9a%94%ec%84%b1-AtPlAgMEet\">\uc139\uc158 1: \uae08\uc735 \uae30\ucd08 \uc9c0\uc2dd\uc758 \uc911\uc694\uc131<\/a><\/li>\n<li><a href=\"#%ed%95%98%ec%9c%84-%ec%a0%9c%eb%aa%a9-%ec%9e%ac%ec%a0%95-%ec%8a%b5%ea%b4%80-%ed%98%95%ec%84%b1%ec%9d%98-%ea%b8%b0%eb%b3%b8-AtPlAgMEet\">\ud558\uc704 \uc81c\ubaa9: \uc7ac\uc815 \uc2b5\uad00 \ud615\uc131\uc758 \uae30\ubcf8<\/a><\/li>\n<li><a href=\"#%ec%84%b9%ec%85%98-2-%ec%98%88%ea%b8%88-%ec%a0%81%ea%b8%88-%ea%b7%b8%eb%a6%ac%ea%b3%a0-%eb%8c%80%ec%b6%9c-%ec%83%81%ed%92%88%ec%97%90-%eb%8c%80%ed%95%9c-%ec%8b%ac%ec%b8%b5-%eb%b6%84%ec%84%9d-AtPlAgMEet\">\uc139\uc158 2: \uc608\uae08, \uc801\uae08, \uadf8\ub9ac\uace0 \ub300\ucd9c \uc0c1\ud488\uc5d0 \ub300\ud55c \uc2ec\uce35 \ubd84\uc11d<\/a><\/li>\n<li><a href=\"#%ed%95%98%ec%9c%84-%ec%a0%9c%eb%aa%a9-%ec%a0%80%ec%b6%95-%eb%b0%8f-%eb%8c%80%ec%b6%9c-%ec%a0%84%eb%9e%b5-%ec%88%98%eb%a6%bd-AtPlAgMEet\">\ud558\uc704 \uc81c\ubaa9: \uc800\ucd95 \ubc0f \ub300\ucd9c \uc804\ub7b5 \uc218\ub9bd<\/a><\/li>\n<li><a href=\"#%ec%84%b9%ec%85%98-3-%ed%88%ac%ec%9e%90-%ec%83%81%ed%92%88%ea%b3%bc-%ec%b5%9c%ea%b7%bc-%eb%8f%99%ed%96%a5-AtPlAgMEet\">\uc139\uc158 3: \ud22c\uc790 \uc0c1\ud488\uacfc \ucd5c\uadfc \ub3d9\ud5a5<\/a><\/li>\n<li><a href=\"#%ed%95%98%ec%9c%84-%ec%a0%9c%eb%aa%a9-%ec%8b%9c%ec%9e%a5-%ed%9d%90%eb%a6%84-%eb%b0%8f-%ec%9c%a0%eb%a7%9d-%ec%9e%90%ec%82%b0-%ed%8c%8c%ec%95%85-AtPlAgMEet\">\ud558\uc704 \uc81c\ubaa9: \uc2dc\uc7a5 \ud750\ub984 \ubc0f \uc720\ub9dd \uc790\uc0b0 \ud30c\uc545<\/a><\/li>\n<li><a href=\"#%ec%84%b9%ec%85%98-4-%ea%b8%88%ec%9c%b5%ec%83%81%ed%92%88-%ed%99%9c%ec%9a%a9-%eb%85%b8%ed%95%98%ec%9a%b0%ec%99%80-%ec%9c%84%ed%97%98-%ea%b4%80%eb%a6%ac-AtPlAgMEet\">\uc139\uc158 4: \uae08\uc735\uc0c1\ud488 \ud65c\uc6a9 \ub178\ud558\uc6b0\uc640 \uc704\ud5d8 \uad00\ub9ac<\/a><\/li>\n<li><a href=\"#%ed%95%98%ec%9c%84-%ec%a0%9c%eb%aa%a9-%ec%82%ac%ed%9a%8c-%ec%b4%88%eb%85%84%ec%83%9d%ec%9d%84-%ec%9c%84%ed%95%9c-%ec%a0%84%eb%ac%b8%ea%b0%80-%ed%8c%81-AtPlAgMEet\">\ud558\uc704 \uc81c\ubaa9: \uc0ac\ud68c \ucd08\ub144\uc0dd\uc744 \uc704\ud55c \uc804\ubb38\uac00 \ud301<\/a><\/li>\n<li><a href=\"#%eb%a7%88%eb%ac%b4%eb%a6%ac-%ec%9a%94%ec%95%bd-AtPlAgMEet\">\ub9c8\ubb34\ub9ac \uc694\uc57d<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>    <title id=\"%ec%82%ac%ed%9a%8c-%ec%b4%88%eb%85%84%ec%83%9d%ec%9d%84-%ec%9c%84%ed%95%9c-%ea%b8%88%ec%9c%b5-%ec%83%81%ed%92%88-%eb%b9%84%ea%b5%90-%eb%b6%84%ec%84%9d-AtPlAgMEet\">\uc0ac\ud68c \ucd08\ub144\uc0dd\uc744 \uc704\ud55c \uae08\uc735 \uc0c1\ud488 \ube44\uad50 \ubd84\uc11d<\/title><\/p>\n<h1 id=\"%ec%82%ac%ed%9a%8c-%ec%b4%88%eb%85%84%ec%83%9d%ec%9d%84-%ec%9c%84%ed%95%9c-%ea%b8%88%ec%9c%b5-%ec%83%81%ed%92%88-%eb%b9%84%ea%b5%90-%eb%b6%84%ec%84%9d-AtPlAgMEet\">\uc0ac\ud68c \ucd08\ub144\uc0dd\uc744 \uc704\ud55c \uae08\uc735 \uc0c1\ud488 \ube44\uad50 \ubd84\uc11d<\/h1>\n<h2 id=\"%ec%84%b9%ec%85%98-1-%ea%b8%88%ec%9c%b5-%ea%b8%b0%ec%b4%88-%ec%a7%80%ec%8b%9d%ec%9d%98-%ec%a4%91%ec%9a%94%ec%84%b1-AtPlAgMEet\">\uc139\uc158 1: \uae08\uc735 \uae30\ucd08 \uc9c0\uc2dd\uc758 \uc911\uc694\uc131<\/h2>\n<h3 id=\"%ed%95%98%ec%9c%84-%ec%a0%9c%eb%aa%a9-%ec%9e%ac%ec%a0%95-%ec%8a%b5%ea%b4%80-%ed%98%95%ec%84%b1%ec%9d%98-%ea%b8%b0%eb%b3%b8-AtPlAgMEet\">\ud558\uc704 \uc81c\ubaa9: \uc7ac\uc815 \uc2b5\uad00 \ud615\uc131\uc758 \uae30\ubcf8<\/h3>\n<p>\n\uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \uc7ac\uc815\uc801 \uc548\uc815\uacfc \uc7a5\uae30\uc801\uc778 \ubd80\ub97c \ud615\uc131\ud558\uae30 \uc704\ud574\uc11c\ub294 \ubb34\uc5c7\ubcf4\ub2e4 \uae08\uc735 \uae30\ucd08 \uc9c0\uc2dd\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc774\ub294 \ub2e8\uc21c\ud788 &#8216;\ub3c8\uc744 \ub9ce\uc774 \ubc8c\uc790&#8217;\ub294 \ubaa9\ud45c\uac00 \uc544\ub2c8\ub77c, \ud604\uc7ac\uc758 \uc218\uc785\uacfc \uc9c0\ucd9c \uad6c\uc870\ub97c \ud30c\uc545\ud558\uace0 \ubbf8\ub798\ub97c \uc900\ube44\ud558\ub294 \ub370 \ud544\uc218\uc801\uc778 \ud1a0\ub300\ub97c \ub9c8\ub828\ud55c\ub2e4\ub294 \uac83\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ucc98\uc74c \ud68c\uc0ac\uc5d0 \uc785\uc0ac\ud574 \uc6d4\uae09\uc744 \ubc1b\uc73c\uba74, \uc138\uae08 \u2219 4\ub300 \ubcf4\ud5d8 \u2219 \uc801\ub9bd\uae08 \ub4f1\uc744 \uace0\ub824\ud574 \uc2e4\uc81c\ub85c \uc4f8 \uc218 \uc788\ub294 \uac00\ucc98\ubd84 \uc18c\ub4dd\uc744 \uba85\ud655\ud788 \ud30c\uc545\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub807\uac8c \uac00\ucc98\ubd84 \uc18c\ub4dd\uc744 \uae30\uc900\uc73c\ub85c \ud55c \uc7ac\uc815 \uc124\uacc4\ub294 \ucda9\ub3d9\uc801\uc778 \uc9c0\ucd9c\uc744 \uc5b5\uc81c\ud558\uace0, \ubbf8\ub798\uc758 \uc800\ucd95 \ubc0f \ud22c\uc790 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud558\ub294 \ub370 \uc788\uc5b4 \ub9e4\uc6b0 \ud575\uc2ec\uc801\uc778 \uc5ed\ud560\uc744 \ud558\uac8c \ub429\ub2c8\ub2e4. \ubbf8\uad6d\uc758 \ud55c \uac1c\uc778\uc7ac\ubb34\uc124\uacc4(company) \uc0ac\ub840 \uc5f0\uad6c\uc5d0 \ub530\ub974\uba74, \uc7ac\uc815\uc801 \ud559\uc2b5\uacfc \uc2b5\uad00\uc758 \uc911\uc694\uc131\uc744 \uac04\uacfc\ud55c \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \uc911\uc7a5\uae30\uc801\uc73c\ub85c \ube5a\uc744 \uc548\uac8c \ub418\ub294 \uac00\uc7a5 \ud070 \uc6d0\uc778\uc774 \ubc14\ub85c \uae30\ucd08\uc801\uc778 \uc608\u00b7\uc801\uae08, \ub300\ucd9c\uad6c\uc870, \uc774\uc790 \uacc4\uc0b0 \ubc29\uc2dd \ub4f1\uc5d0 \ub300\ud55c \uc774\ud574 \ubd80\uc871\uc774\uc5c8\ub2e4\uace0 \ud569\ub2c8\ub2e4.\n<\/p>\n<p>\n\ub610\ud55c \uae08\uc735 \uae30\ucd08 \uc9c0\uc2dd\uc740 \uc5b4\ub824\uc6b4 \uacbd\uc81c \uc0c1\ud669\uc5d0\uc11c\ub3c4 \uc548\uc815\uc801\uc73c\ub85c \uc7ac\uc815\uc744 \uc6b4\uc601\ud558\ub294 \ub2a5\ub825\uc744 \uae38\ub7ec\uc90d\ub2c8\ub2e4. \ucd5c\uadfc \uae00\ub85c\ubc8c \uacbd\uc81c\ub294 \uc778\ud50c\ub808\uc774\uc158\uacfc \uae08\ub9ac \ubcc0\ub3d9\uc774 \uc2ec\ud654\ub418\uba74\uc11c \uc6d4\uae09\ub9cc\uc73c\ub85c \uc0dd\ud65c\ud558\uae30\uac00 \uc810\uc810 \uc5b4\ub824\uc6cc\uc9c0\ub294 \ucd94\uc138\uc785\ub2c8\ub2e4. \uc774\ub7f0 \uc2dc\uae30\uc5d0 \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc740 \uae08\uc735 \uae30\ucd08\ub97c \uc798 \uc774\ud574\ud574\uc57c\ub9cc, \ubd88\ud544\uc694\ud55c \ube44\uc6a9\uc744 \uc904\uc774\uace0 \uc790\uc2e0\uc5d0\uac8c \ub9de\ub294 \uae08\uc735 \uc0c1\ud488\uc744 \uc120\ud0dd\ud558\ub294 \ud1b5\ucc30\ub825\uc744 \uac00\uc9c0\uac8c \ub429\ub2c8\ub2e4. \ubd80\ucc44\ub97c \uc77c\uc73c\ud0a4\ub294 \ub300\ucd9c\uc758 \uae08\ub9ac \ucc28\uc774\ub098 \ubcf5\ub9ac\uc758 \uc704\ub825\uc744 \uc81c\ub300\ub85c \ubaa8\ub978\ub2e4\uba74, \uc791\uc740 \uae08\ub9ac \ucc28\uc774\ub85c \uc778\ud574 \uc7a5\uae30\uc801\uc73c\ub85c \ud070 \uc190\uc2e4\uc744 \ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2ec\ub9ac \ub9d0\ud574, \uae08\uc735 \uae30\ucd08\uac00 \ud0c4\ud0c4\ud560\uc218\ub85d \uacbd\uc81c\uc801 \ucda9\uaca9\uc774 \ub2e5\ucce4\uc744 \ub54c \ud6e8\uc52c \ub354 \uc720\uc5f0\ud558\uac8c \uc801\uc751\ud560 \uc218 \uc788\uac8c \ub429\ub2c8\ub2e4.\n<\/p>\n<p>\n\uc7ac\uc815 \uc2b5\uad00\uc774 \ud55c \ubc88 \uc798\ubabb \ud615\uc131\ub418\uba74 \uc774\ub97c \ubc14\ub85c\uc7a1\ub294 \ub370 \ub9ce\uc740 \uc2dc\uac04\uacfc \ube44\uc6a9\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc0ac\ud68c \ucd08\ub144\uc0dd \uc2dc\uc808\ubd80\ud130 \uaddc\uce59\uc801 \uc800\ucd95, \uc18c\ube44 \ud328\ud134 \uae30\ub85d, \uc608\u00b7\uc801\uae08 \ubaa9\uc801 \uc124\uc815 \ub4f1\uc758 \uae30\ubcf8\uc801\uc774\uace0\ub3c4 \uccb4\uacc4\uc801\uc778 \uc2b5\uad00\uc744 \ub4e4\uc774\ub294 \uac83\uc774 \ucd5c\uc6b0\uc120 \uacfc\uc81c\uc785\ub2c8\ub2e4. \uc608\ucee8\ub300 \ub9e4\ub2ec \uae09\uc5ec\uc758 \uc77c\uc815 \ubd80\ubd84\uc744 \uac15\uc81c\ub85c \uc800\ucd95\ud558\ub294 \uc790\ub3d9\uc774\uccb4 \ubc29\uc2dd\uc744 \ud65c\uc6a9\ud558\uba74, \ub3c8\uc744 \ubaa8\uc744 \uc218 \uc788\ub294 \uc2ec\ub9ac\uc801 \ub3d9\uae30 \ubd80\uc5ec\uac00 \ub429\ub2c8\ub2e4. \ub610\ud55c \uc218\uc785\uacfc \uc9c0\ucd9c\uc744 \uae30\ub85d\ud558\uba74\uc11c, \uc790\uc2e0\uc758 \uc18c\ube44 \ud328\ud134\uc774 \uc5b4\ub5a0\ud55c\uc9c0 \uc815\uae30\uc801\uc73c\ub85c \uc810\uac80\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7f0 \uc2b5\uad00\ub4e4\uc774 \ubaa8\uc5ec \uc624\ub79c \uc2dc\uac04\uc744 \uac70\uce58\uba74 \ucee4\ub2e4\ub780 \uc7ac\uc815\uc801 \uc131\uacfc\ub85c \uadc0\uacb0\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n<\/p>\n<p>\n\ub300\ud55c\ubbfc\uad6d \uae08\uc735\uac10\ub3c5\uc6d0\uc774\ub098 \uc2dc\uc911\uc740\ud589\uc5d0\uc11c \ubb34\ub8cc\ub85c \uc81c\uacf5\ud558\ub294 &#8216;\ucd08\ubcf4\uc790\uc6a9 \uae08\uc735 \uad50\uc721 \ud504\ub85c\uadf8\ub7a8&#8217;\uc744 \uc801\uadf9 \ud65c\uc6a9\ud558\ub294 \uac83\ub3c4 \uc88b\uc2b5\ub2c8\ub2e4. \uc774 \ud504\ub85c\uadf8\ub7a8\uc744 \ud1b5\ud574 \uc608\uae08\uacfc \uc801\uae08\uc758 \ucc28\uc774, \ubcf5\ub9ac \uc774\uc790 \uacc4\uc0b0 \ubc29\uc2dd, \uc7ac\ubb34\uc81c\ud45c \uac04\ub2e8 \ubd84\uc11d \ub4f1\uc758 \uae30\ucd08\uc801\uc778 \uae08\uc735 \uc0c1\uc2dd\uc744 \uc775\ud790 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ubcf5\ub9ac\uac00 \uc801\uc6a9\ub418\ub294 \uc801\uae08 \uc0c1\ud488\uc758 \uacbd\uc6b0, \uac19\uc740 \uae08\ub9ac\ub77c\ub3c4 \ub2e8\ub9ac\uac00 \uc801\uc6a9\ub418\ub294 \uc0c1\ud488\ubcf4\ub2e4 \ud6e8\uc52c \ube60\ub978 \uc18d\ub3c4\ub85c \uc6d0\uae08\uc774 \ubd88\uc5b4\ub0a9\ub2c8\ub2e4. \uc704\ud5d8\uc744 \uad00\ub9ac\ud558\ub294 \ubc95 \uc5ed\uc2dc \ubc30\uc6b8 \uc218 \uc788\ub294\ub370, \uc2e0\uc6a9\uce74\ub4dc \uc0ac\uc6a9 \uc2dc \uc7a0\uc7ac\uc801 \uc704\ud5d8\uacfc \ud53c\ud574 \uc0ac\ub840, \uadf8\ub9ac\uace0 \uc808\uc57d \uc2b5\uad00 \uc815\ucc29 \ubc29\ubc95 \ub4f1\uc744 \uad6c\uccb4\uc801\uc73c\ub85c \ub2e4\ub8e8\ubbc0\ub85c \uc2e4\uc804\uc5d0 \uc801\uc6a9\ud558\uae30\ub3c4 \uc27d\uc2b5\ub2c8\ub2e4.\n<\/p>\n<p>\n\uc2e4\uc81c \uc0ac\ub840\ub85c, \ub300\ud559\uc744 \uac13 \uc878\uc5c5\ud55c A\uc528\ub294 \ucd08\ubc18\uc5d0 \ubd80\uc801\uc808\ud55c \uce74\ub4dc \uc0ac\uc6a9 \uc2b5\uad00\uc73c\ub85c \uc778\ud574 \uae09\uc5ec\uc77c\uc774 \ub418\uc790\ub9c8\uc790 \uce74\ub4dc \uac12 \uc0c1\ud658\uc5d0 \ud5c8\ub355\uc600\uc2b5\ub2c8\ub2e4. \uadf8 \uacb0\uacfc \ub9e4\ub2ec \ubaa8\uc744 \uc218 \uc788\ub294 \ub3c8\uc774 \uac70\uc758 \uc5c6\uc5b4 \ubbf8\ub798 \uc124\uacc4\ub97c \ud558\uae30 \ud798\ub4e4\uc5c8\ub2e4\uace0 \ud569\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uae30\ucd08 \uae08\uc735 \uc9c0\uc2dd\uc744 \uc775\ud788\uace0 \ub098\uc11c, \uc2e0\uc6a9\uce74\ub4dc\ub97c \uadf9\ub3c4\ub85c \uc904\uc774\uace0 \uccb4\ud06c\uce74\ub4dc\ub97c \ud65c\uc6a9\ud558\ub294 \ub77c\uc774\ud504\uc2a4\ud0c0\uc77c\ub85c \uc804\ud658\ud588\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\uc790 \ub9e4\ub2ec \uc800\ucd95 \uac00\ub2a5\ud55c \uae08\uc561\uc774 \ub298\uc5b4\ub098\uace0, \ub2ec\ub9c8\ub2e4 \uba85\ud655\ud55c \uc608\uc0b0\uc744 \uc138\uc6b8 \uc218 \uc788\uac8c \ub418\uc5b4 \uba87 \ub144 \ub9cc\uc5d0 \uc885\uc7a3\ub3c8\uc744 \ub9c8\ub828\ud560 \uc218 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uae08\uc735 \uae30\ucd08 \uc9c0\uc2dd\uacfc \uac74\uc804\ud55c \uc7ac\uc815 \uc2b5\uad00\uc774 \uc5bc\ub9c8\ub098 \uc911\uc694\ud558\uac8c \uc791\uc6a9\ud558\ub294\uc9c0 \ubcf4\uc5ec\uc8fc\ub294 \ub300\ud45c\uc801\uc778 \uc608\uc785\ub2c8\ub2e4.\n<\/p>\n<p>\n\uae08\uc735 \uae30\ucd08 \uc9c0\uc2dd\uc774 \ud0c4\ud0c4\ud558\uba74 \ubbf8\ub798 \uc7ac\ud14c\ud06c\uc640 \ud22c\uc790\uc5d0\ub3c4 \uc720\ub9ac\ud55c \ubc1c\ud310\uc744 \ub9c8\ub828\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud604\uc7ac\uc758 \uc608\u00b7\uc801\uae08\uc73c\ub85c\ub294 \uc218\uc775\ub960\uc5d0 \ud55c\uacc4\uac00 \uc788\uc744 \uc218 \uc788\uc9c0\ub9cc, \ub2e4\uc591\ud55c \uae08\uc735 \uc0c1\ud488\uc744 \uc774\ud574\ud558\uace0 \uc62c\ubc14\ub978 \ub300\ucd9c \ud65c\uc6a9 \ubc29\ubc95\uc744 \uc219\uc9c0\ud558\uac8c \ub418\uba74, \uadf8\ub54c\ubd80\ud130\ub294 \uc8fc\uc2dd\u2219\ucc44\uad8c\u2219\ubd80\ub3d9\uc0b0\u2219ETF \ub4f1\uc73c\ub85c \ud22c\uc790 \ubc94\uc704\ub97c \ub113\ud600\uac08 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \ubaa8\ub4e0 \uacfc\uc815\uc740 \uc5f0\ub839\uc774 \ub0ae\uc744 \ub54c\ubd80\ud130 \uc313\uc740 \uae08\uc735 \uc774\ud574\ub3c4\uc640 \uc2b5\uad00\uc774 \ub4b7\ubc1b\uce68\ub420 \ub54c \ub354\uc6b1 \ube5b\uc744 \ubc1c\ud569\ub2c8\ub2e4. \ub530\ub77c\uc11c \uae08\uc735\uc5d0 \ubb38\uc678\ud55c\uc774\ub77c\uace0 \ud3ec\uae30\ud558\uae30\ubcf4\ub2e4\ub294, \uc0ac\ud68c \ucd08\ub144\uc0dd\uc77c \ub54c\ubd80\ud130 \uccb4\uacc4\uc801\uc73c\ub85c \uae08\uc735\uc9c0\uc2dd\uc744 \uc313\uc544\ub450\ub294 \uac83\uc774 \uace7 \ubbf8\ub798\uae08\uc735 \uc900\ube44\uc758 \uccab\uac78\uc74c\uc774\ub77c \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n<\/p>\n<p>\n\uc774\ub294 \ub2e8\uc9c0 \uac1c\uc778\uc758 \ubb38\uc81c\ub9cc\uc740 \uc544\ub2d9\ub2c8\ub2e4. \uc0ac\ud68c\uac00 \ubc1c\uc804\ud558\uba74\uc11c \uae08\uc735 \ubb38\ub9f9 \ubb38\uc81c\uac00 \ubd80\uac01\ub418\uace0 \uc788\uc73c\uba70, \uc774\ub294 \uad6d\uac00 \ucc28\uc6d0\uc5d0\uc11c\ub3c4 \uc911\uc694\ud55c \uc774\uc288\uc785\ub2c8\ub2e4. \ub9ce\uc740 \uad6d\uac00\uc5d0\uc11c \uccad\uc18c\ub144 \uc2dc\uae30\ubd80\ud130 \uc7ac\uc815 \uad50\uc721\uc744 \ud544\uc218 \uacfc\ubaa9\uc73c\ub85c \ud3ec\ud568\uc2dc\ud0a4\uace0 \uc788\ub294\ub370, \ud55c\uad6d\uc5d0\uc11c\ub3c4 \ub354 \ub9ce\uc740 \ub178\ub825\uc774 \ud544\uc694\ud558\ub2e4\ub294 \uc9c0\uc801\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \uccb4\uacc4\uc801\uc73c\ub85c \uae08\uc735 \uae30\ucd08\ub97c \ub9c8\ub828\ud558\uc9c0 \ubabb\ud558\uba74, \ubbf8\ub798\uc758 \ubd80\ucc44 \ubb38\uc81c\ub098 \uc800\ucd95 \ubd80\uc871 \ubb38\uc81c\uac00 \uad6d\uac00\uc801 \ubd80\ub2f4\uc73c\ub85c \uc774\uc5b4\uc9c0\uac8c \ub429\ub2c8\ub2e4. \ub530\ub77c\uc11c \uac1c\uc778\uc758 \uc7ac\uc815 \uc548\uc815\uc744 \uc704\ud574\uc11c\ub3c4, \uc0ac\ud68c \uc804\uccb4\uc758 \uac74\uc804\ud55c \uc7ac\uc815 \uc0dd\ud0dc\uacc4\ub97c \uc704\ud574\uc11c\ub3c4 \uae08\uc735 \uad50\uc721\uacfc \uae30\ucd08 \uc9c0\uc2dd \uc2b5\ub4dd\uc740 \ud544\uc218\ubd88\uac00\uacb0\ud569\ub2c8\ub2e4.\n<\/p>\n<p>\n\uc911\uc694\ud55c \uac83\uc740 \ub2e8\uc21c\ud788 \uc774\ub860\uc744 \uc2b5\ub4dd\ud558\ub294 \ub370 \uadf8\uce58\uc9c0 \uc54a\uace0 \uc2e4\uc81c\ub85c \uc801\uc6a9\ud558\uba70 \uccb4\ub4dd\ud558\ub294 \uacfc\uc815\uc785\ub2c8\ub2e4. \uac00\ub839 \uc2e0\uc6a9\uce74\ub4dc \ud55c\ub3c4\ub97c \uc904\uc774\uace0 \ub9e4\ub2ec \uc18c\ube44\ub97c \uae30\ub85d\ud558\ub294 \uc2b5\uad00\uc744 \ub4e4\uc774\uac70\ub098, \ud639\uc740 \ucc98\uc74c\uc73c\ub85c \uc18c\uc561 \ud22c\uc790\uc5d0 \ub3c4\uc804\ud574 \ubcf4\ub294 \uac83\ub3c4 \uc88b\uc740 \ud559\uc2b5 \ubc29\ubc95\uc774 \ub429\ub2c8\ub2e4. \uc774\ub54c \uc2e4\ud328\ub97c \ub450\ub824\uc6cc\ud558\uae30\ubcf4\ub2e4\ub294, \uc801\uc808\ud55c \ubc94\uc704 \ub0b4\uc5d0\uc11c \uc2e4\uc218\ub3c4 \uacaa\uc5b4 \ubcf4\uba70 \uacbd\ud5d8\uce58\ub97c \uc313\ub294 \uac83\uc774 \uc774\ud6c4 \ud070 \uae08\uc561\uc744 \ub2e4\ub8f0 \ub54c \uc704\ud5d8\uc744 \uc904\uc774\ub294 \ubc29\ubc95\uc774 \ub420 \uac83\uc785\ub2c8\ub2e4. \uc5ec\ub7ec \uae08\uc735\uae30\uad00 \uc571\uc774\ub098 \uc628\ub77c\uc778 \ud50c\ub7ab\ud3fc\uc5d0\uc11c \uc81c\uacf5\ud558\ub294 \ubaa8\uc758 \ud22c\uc790 \uc2dc\uc2a4\ud15c\ub3c4 \uc720\uc6a9\ud558\ubbc0\ub85c, \uc774\ub97c \ud1b5\ud574 \uc2e4\uc804\uc5d0 \uc55e\uc120 \uc5f0\uc2b5\uc744 \ud574 \ubcf4\ub294 \uac83\ub3c4 \uc88b\uc2b5\ub2c8\ub2e4.\n<\/p>\n<p>\n\uacb0\uad6d \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \uae08\uc735 \uc0dd\ud65c\uc744 \uc2dc\uc791\ud560 \ub54c \uae30\ucd08 \uc9c0\uc2dd\uc744 \uc5bc\ub9c8\ub098 \ud0c4\ud0c4\ud788 \uc313\ub290\ub0d0\uc5d0 \ub530\ub77c, 10\ub144 \ud6c4 \ud639\uc740 20\ub144 \ud6c4 \uc7ac\uc815 \uc790\uc0b0\uc758 \uaddc\ubaa8\uac00 \ud06c\uac8c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc544\ubb34\ub9ac \uae09\uc5ec\uac00 \ub0ae\uc544\ub3c4, \uadf8\ub9ac\uace0 \uc8fc\uc2dd\uc774\ub098 \ud380\ub4dc\uc5d0 \ud22c\uc790\ud560 \ubd80\uac00 \uc790\uc0b0\uc774 \uc5c6\uc5b4\ub3c4, \uae08\ub9ac\uac00 \ub0ae\uc544\ub3c4, \uae30\ubc18 \uc9c0\uc2dd\uc744 \uc81c\ub300\ub85c \uac16\ucd98 \uc0c1\ud0dc\uc5d0\uc11c\ub294 \uc791\uc740 \uae08\uc561\uc73c\ub85c\ub3c4 \ubcf5\ub9ac\uc758 \ud798\uc744 \uc81c\ub300\ub85c \ub204\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c \uc608\uae30\uce58 \ubabb\ud55c \uc7ac\ubb34\uc801 \uc704\uae30\uc5d0 \uc9c1\uba74\ud588\uc744 \ub54c\ub3c4 \ub2f9\ud669\ud558\uc9c0 \uc54a\uace0 \ud569\ub9ac\uc801\uc778 \ub300\uc751\ucc45\uc744 \ub9c8\ub828\ud560 \uc218 \uc788\uac8c \ub429\ub2c8\ub2e4.\n<\/p>\n<p>\n\uc774\ucc98\ub7fc \uc7ac\uc815 \uc2b5\uad00 \ud615\uc131\uc740 \ub2e8\uc21c\ud788 \ud55c\ub450 \ub2ec\uc758 \ub178\ub825\uc774 \uc544\ub2c8\ub77c, \uc7a5\uae30\uac04\uc5d0 \uac78\uce5c \uafb8\uc900\ud568\uc774 \uc694\uad6c\ub429\ub2c8\ub2e4. \uc790\uc2e0\uc758 \uc18c\ube44 \ud328\ud134\uacfc \uc9c0\ucd9c \uad6c\uc870\ub97c \ucca0\uc800\ud788 \ubd84\uc11d\ud558\uc5ec \ud56b\ub3c8(Hot money)\u00b7\ucf5c\ub4dc\uba38\ub2c8(Cold money)\uae4c\uc9c0 \uad6c\uc870\ud654\ud558\uace0, \uc7a5\uae30\uc801\uc73c\ub85c \uc800\ucd95\uacfc \uc18c\uc561 \ud22c\uc790\ub97c \ubcd1\ud589\ud558\ub294 \uc804\ub7b5\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ud5a5\ud6c4 \uc139\uc158\uc5d0\uc11c \ub2e4\ub8e8\uac8c \ub420 \uc608\u2219\uc801\uae08, \ub300\ucd9c, \ud22c\uc790\uc0c1\ud488 \ubd84\uc11d\uc744 \ud1b5\ud574, \uad6c\uccb4\uc801\uc73c\ub85c \uc5b4\ub5a0\ud55c \uae08\uc735 \uc0c1\ud488\uc744 \uc5b4\ub5a4 \uc2dc\uc810\uc5d0 \ud65c\uc6a9\ud558\uba74 \uc88b\uc744\uc9c0 \uc0b4\ud3b4\ubcf4\ub3c4\ub85d \ud558\uaca0\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc9c0\uc2dd\uc744 \ubc14\ud0d5\uc73c\ub85c \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc774 \ub354 \uc548\uc804\ud558\uace0 \ud6a8\uc728\uc801\uc73c\ub85c \uc7ac\ubb34 \ubaa9\ud45c\uc5d0 \ub2e4\uac00\uac00\uae38 \uae30\ub300\ud569\ub2c8\ub2e4.\n<\/p>\n<h2 id=\"%ec%84%b9%ec%85%98-2-%ec%98%88%ea%b8%88-%ec%a0%81%ea%b8%88-%ea%b7%b8%eb%a6%ac%ea%b3%a0-%eb%8c%80%ec%b6%9c-%ec%83%81%ed%92%88%ec%97%90-%eb%8c%80%ed%95%9c-%ec%8b%ac%ec%b8%b5-%eb%b6%84%ec%84%9d-AtPlAgMEet\">\uc139\uc158 2: \uc608\uae08, \uc801\uae08, \uadf8\ub9ac\uace0 \ub300\ucd9c \uc0c1\ud488\uc5d0 \ub300\ud55c \uc2ec\uce35 \ubd84\uc11d<\/h2>\n<h3 id=\"%ed%95%98%ec%9c%84-%ec%a0%9c%eb%aa%a9-%ec%a0%80%ec%b6%95-%eb%b0%8f-%eb%8c%80%ec%b6%9c-%ec%a0%84%eb%9e%b5-%ec%88%98%eb%a6%bd-AtPlAgMEet\">\ud558\uc704 \uc81c\ubaa9: \uc800\ucd95 \ubc0f \ub300\ucd9c \uc804\ub7b5 \uc218\ub9bd<\/h3>\n<p>\n\uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \uae08\uc735 \uae30\ucd08 \uc9c0\uc2dd\uc744 \uac16\ucd94\uc5c8\ub2e4\uba74, \uc774\uc81c \ub2e4\uc74c \ub2e8\uacc4\ub85c \uc608\uae08\u00b7\uc801\uae08\u00b7\ub300\ucd9c \uc0c1\ud488\uc744 \uad6c\uccb4\uc801\uc73c\ub85c \uc0b4\ud3b4\ubcfc \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc0c1\ud488\ub4e4\uc740 \uc790\uae08\uc744 \uc6b4\uc6a9\ud558\uac70\ub098 \ud544\uc694\ud55c \uc790\uae08\uc744 \uc870\ub2ec\ud558\ub294 \ud575\uc2ec\uc801\uc778 \uc218\ub2e8\uc774\uae30 \ub54c\ubb38\uc5d0, \uadf8 \ud2b9\uc131\uacfc \ud65c\uc6a9 \ubc29\ubc95\uc744 \uba85\ud655\ud788 \uc774\ud574\ud574\uc57c \ud569\ub2c8\ub2e4. \uc6b0\uc120 \uc608\uae08\uacfc \uc801\uae08\uc758 \ucc28\uc774\ub294 \uc608\uae08\uc774 \uc77c\uc2dc\uae08\uc744 \uc608\uce58\ud558\ub294 \ubc29\uc2dd\uc774\ub77c\uba74, \uc801\uae08\uc740 \uc77c\uc815 \uae30\uac04 \ub3d9\uc548 \ub9e4\uc6d4 \uc77c\uc815 \uae08\uc561\uc744 \uc800\ucd95\ud558\ub294 \ud615\ud0dc\ub77c\ub294 \ub370 \uc788\uc2b5\ub2c8\ub2e4. \uc608\uae08 \uae08\ub9ac\ub294 \ubcf4\ud1b5 \uace0\uc561 \uc608\uce58 \uc2dc \uc6b0\ub300\uae08\ub9ac\ub97c \ubc1b\uc744 \uc218 \uc788\uace0, \uc801\uae08\uc740 \uc790\ub3d9\uc774\uccb4 \ub4f1\uc73c\ub85c \uae08\ub9ac\ub97c \uc880 \ub354 \ub192\uac8c \ubc1b\uc744 \uc218 \uc788\ub294 \uc7a5\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ucd5c\uadfc \uc2dc\uc911\uc740\ud589\uc758 \uc815\uae30\uc608\uae08 \uae08\ub9ac\ub294 3% \uc911\ubc18\ub300\ub97c \uc720\uc9c0\ud558\uace0, \uc801\uae08\uc740 \uc6b0\ub300 \uc870\uac74\uc744 \ucda9\uc871\ud558\uba74 4~5%\uae4c\uc9c0\ub3c4 \uc0c1\uc2b9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uae08\ub9ac \uc815\ubcf4\ub294 \uacc4\uc18d \ubcc0\ub3d9 \uc911\uc774\ubbc0\ub85c, \ud574\ub2f9 \uc2dc\uc810\uc5d0\uc11c \uc740\ud589 \uacf5\uc2dc \uc815\ubcf4\ub97c \uaf3c\uaf3c\ud788 \uc0b4\ud3b4 \ucc3e\uc544\ubcf4\ub294 \uc2b5\uad00\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.\n<\/p>\n<p>\n\uc608\uae08\uc758 \uacbd\uc6b0, \ubaa9\ub3c8\uc744 \ud55c \ubc88\uc5d0 \uc608\uce58\ud558\uae30 \ub54c\ubb38\uc5d0 \uc0c1\ub300\uc801\uc73c\ub85c \uc774\uc790\uac00 \ud55c \ubc88\uc5d0 \ub9ce\uc774 \ubd99\uc5b4 \ub4e4\uc5b4\uc628\ub2e4\ub294 \uc778\uc2dd\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc608\uae08\uc744 \ud574\uc9c0\ud560 \ub54c \uc911\ub3c4\uc778\ucd9c\uc774 \ubc1c\uc0dd\ud558\uba74, \ub300\ubd80\ubd84\uc758 \uacbd\uc6b0 \uc6b0\ub300\uae08\ub9ac \ud61c\ud0dd\uc744 \uc0c1\uc2e4\ud558\uac70\ub098 \uae30\ubcf8\uc774\uc790\uc728\ubcf4\ub2e4 \ud6e8\uc52c \ub0ae\uc740 \ud658\uae09\uc561\uc744 \ubc1b\uc744 \uc218 \uc788\uc73c\ubbc0\ub85c, \uc0dd\ud65c \uc790\uae08\uacfc\ub294 \ubcc4\uac1c\ub85c &#8216;\uc808\ub300 \uac74\ub4e4\uc9c0 \uc54a\uc744 \ub3c8&#8217;\uc744 \uc608\uae08\uc73c\ub85c \ubb36\ub294 \uac83\uc774 \uc720\ub9ac\ud569\ub2c8\ub2e4. \ubc18\uba74 \uc801\uae08\uc740 \ub9e4\ub2ec \uc870\uae08\uc529 \uac70\ub798\ud558\uae30 \ub54c\ubb38\uc5d0, \ucd08\uae30 \uc790\uae08\uc774 \ub9ce\uc9c0 \uc54a\uc740 \uc0ac\ud68c \ucd08\ub144\uc0dd\ub4e4\uc5d0\uac8c \uc801\ud569\ud569\ub2c8\ub2e4. \ud2b9\ud788 \uc2e0\uc6a9\uce74\ub4dc \uc0ac\uc6a9\uc2e4\uc801\uc774\ub098 \uae09\uc5ec \uc774\uccb4 \ub4f1 \ud2b9\uc815 \uc870\uac74\uc744 \ub9cc\uc871\ud558\uba74 \uc6b0\ub300\uae08\ub9ac\ub97c \uc81c\uacf5\ud558\ub294 \uc0c1\ud488\ub4e4\uc774 \uc788\uc73c\ubbc0\ub85c, \uc774\uc5d0 \ud574\ub2f9\ud558\ub294\uc9c0 \ubbf8\ub9ac \ud655\uc778\ud574 \ub450\uba74 \uc88b\uc2b5\ub2c8\ub2e4.\n<\/p>\n<p>\n\ub300\ucd9c \uc0c1\ud488\uc740 \uc0ac\ud68c \ucd08\ub144\uc0dd\ubfd0 \uc544\ub2c8\ub77c \uc804 \uc5f0\ub839\ub300\uc5d0\uc11c \ub9e4\uc6b0 \uc911\uc694\ud55c \uc7ac\uc815 \uc218\ub2e8\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc8fc\ud0dd\uc790\uae08 \ub300\ucd9c, \ud559\uc790\uae08 \ub300\ucd9c, \uc790\ub3d9\ucc28 \uad6c\ub9e4 \ub300\ucd9c \ub4f1 \uc885\ub958\uac00 \ub2e4\uc591\ud558\uba70, \uac01\uac01\uc758 \ub300\ucd9c \uae08\ub9ac\ub098 \uc0c1\ud658 \uc870\uac74\uc774 \ub2e4\ub985\ub2c8\ub2e4. \ub300\ucd9c\uc744 \ubc1b\uc744 \ub54c \uac00\uc7a5 \uc911\uc694\ud55c \uac83\uc740 \uae08\ub9ac\uc758 \ud615\ud0dc(\uace0\uc815\uae08\ub9ac vs \ubcc0\ub3d9\uae08\ub9ac)\uc640 \uc0c1\ud658 \uad6c\uc870(\uc6d0\ub9ac\uae08\uade0\ub4f1, \uc6d0\uae08\uade0\ub4f1 \ub4f1)\ub97c \uc774\ud574\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \ubcc0\ub3d9\uae08\ub9ac\ub294 \uae08\ub9ac \uc778\uc0c1\uae30\uc5d0 \ubd80\ub2f4\uc774 \ucee4\uc9c8 \uc218 \uc788\uc73c\ub098, \uae08\ub9ac \uc778\ud558\uae30\uc5d0\ub294 \uc774\uc790\ub97c \uc904\uc77c \uc218 \uc788\ub294 \uc7a5\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ucd5c\uadfc \ud55c\uad6d\uc740\ud589\uc774 \uae30\uc900\uae08\ub9ac\ub97c \uafb8\uc900\ud788 \uc870\uc815\ud558\uace0 \uc788\uc5b4\uc11c, \ub300\ucd9c\uc744 \ubc1b\uc73c\ub824\ub294 \uc0ac\ub78c\ub4e4\uc740 \ud5a5\ud6c4 \uae08\ub9ac \uc804\ub9dd\uc744 \uba74\ubc00\ud788 \uc0b4\ud3b4\uc57c \ud569\ub2c8\ub2e4.\n<\/p>\n<p>\n\uc608\ub97c \ub4e4\uc5b4, \uc0ac\ud68c \ucd08\ub144\uc0dd B\uc528\uac00 \uc804\uc14b\uc9d1\uc744 \uad6c\ud558\uae30 \uc704\ud574 2\uc5b5 \uc6d0\uc758 \uc804\uc138\uc790\uae08 \ub300\ucd9c\uc744 \uace0\ub824\ud55c\ub2e4\uace0 \ud569\uc2dc\ub2e4. \uc774\uc790\uc728\uc774 3.5%\uc758 \ubcc0\ub3d9\uae08\ub9ac \uc870\uac74\uc774\ub77c\uba74, \uae08\ub9ac \uc778\uc0c1 \uc2dc \uc774\uc790 \ubd80\ub2f4\uc774 \ub298\uc5b4\ub0a0 \uc218 \uc788\uc5b4 \uc774\ub97c \ubbf8\ub9ac \uac10\uc548\ud574\uc57c \ud569\ub2c8\ub2e4. \ub610\ud55c \ud5a5\ud6c4 \uba87 \ub144\uac04 \uae08\ub9ac\uac00 \uafb8\uc900\ud788 \uc624\ub97c \uac83\uc73c\ub85c \uc608\uc0c1\ub41c\ub2e4\uba74, \uc9c0\uae08 \ub2f9\uc7a5\uc740 3.5%\uac00 \uc800\ub834\ud574 \ubcf4\uc5ec\ub3c4 \uba87 \ub144 \ud6c4\uc5d0\ub294 4.5% \uc774\uc0c1\uc774 \ub420 \uac00\ub2a5\uc131\ub3c4 \ubc30\uc81c\ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4. \uc774\ub7f4 \ub54c\ub294 \uace0\uc815\uae08\ub9ac \ub300\ucd9c\uc774\ub098, \uc2dc\uc911\uc740\ud589\ubcf4\ub2e4 \uae08\ub9ac\uac00 \ub0ae\uc740 \uc815\ucc45\uae08\uc735 \uc0c1\ud488(\uccad\ub144\uc6b0\ub300 \uc8fc\ud0dd\uc790\uae08 \ub300\ucd9c \ub4f1)\uc744 \uac80\ud1a0\ud574 \ubcf4\ub294 \uac83\uc774 \ud604\uba85\ud55c \uc120\ud0dd\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7f0 \ud310\ub2e8\uc744 \uc704\ud574\uc11c\ub294 \ud56d\uc0c1 \uc5ec\ub7ec \uc740\ud589\uacfc \uc815\ucc45\uae08\uc735\uae30\uad00\uc744 \ube44\uad50\u2219\ubd84\uc11d\ud558\uc5ec \ucd5c\uc120\uc758 \uacb0\uacfc\ub97c \ucc3e\uc544\uc57c \ud569\ub2c8\ub2e4.\n<\/p>\n<p>\n\uc608\uae08\uacfc \uc801\uae08, \ub300\ucd9c\uc744 \ud6a8\uc728\uc801\uc73c\ub85c \uc6b4\uc6a9\ud558\uae30 \uc704\ud574\uc11c\ub294 &#8216;\uc6d0\uce59 \uc788\ub294 \uc790\uae08 \ubd84\ubc30&#8217;\uac00 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uc608\ucee8\ub300 \uae09\uc5ec \ud1b5\uc7a5\uc5d0\ub294 \ub9e4\uc6d4 \uc0dd\ud65c\ube44\u00b7\uace0\uc815\uc9c0\ucd9c\u00b7\ube44\uc0c1\uae08 \ub4f1\uc744 \uc124\uc815\ud558\uace0, \ubcc4\ub3c4\uc758 \ud1b5\uc7a5\uc5d0 \uc7a5\uae30 \uc800\ucd95\uae08\uacfc \ud22c\uc790\uae08\uc744 \uad6c\ubd84\ud574 \ub450\uba74 \uc790\uae08 \ud750\ub984\uc744 \ud55c\ub208\uc5d0 \ud30c\uc545\ud558\uae30 \uc27d\uc2b5\ub2c8\ub2e4. \uc5ec\uae30\uc5d0 \ub300\ucd9c\uc774 \uc11e\uc774\uba74, \ub9e4\uc6d4 \uc0c1\ud658\ud574\uc57c \ud560 \uae08\uc561\uacfc \uc77c\uc815 \ubd80\ubd84\uc758 \uae08\ub9ac \ubd80\ub2f4\uc774 \ubc1c\uc0dd\ud558\ubbc0\ub85c \uc9c0\ucd9c \uacc4\ud68d\uc774 \ub354\uc6b1 \ubcf5\uc7a1\ud574\uc9d1\ub2c8\ub2e4. \ub530\ub77c\uc11c \ub300\ucd9c\uc744 \ubc1b\uae30\ub85c \uacb0\uc815\ud588\ub2e4\uba74, \ub9cc\uae30\uae4c\uc9c0 \uc0c1\ud658 \uacc4\ud68d\uc774 \ud604\uc2e4\uc801\uc778\uc9c0 \uac80\ud1a0\ud558\uace0 \uc5ec\uc720\uc790\uae08\uc744 \uc5bc\ub9c8\ub098 \ud655\ubcf4\ud574\uc57c \ud558\ub294\uc9c0\ub3c4 \uaf3c\uaf3c\ud788 \ub530\uc838\uc57c \ud569\ub2c8\ub2e4.\n<\/p>\n<p>\n\ucd5c\uadfc \uc740\ud589\uad8c\uc5d0\uc11c \uc81c\uc2dc\ud558\ub294 \ub300\ucd9c \uae08\ub9ac\ub294 \uc2e0\uc6a9\ub4f1\uae09\uacfc \uc7ac\uc9c1\uc5f0\uc218, \uc5f0\uc18c\ub4dd\uc5d0 \ub530\ub77c \ud06c\uac8c \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774\ub77c\uba74 \uc2e0\uc6a9\ub4f1\uae09\uc774 \uc0c1\ub300\uc801\uc73c\ub85c \ub0ae\uc744 \uac00\ub2a5\uc131\uc774 \ud07d\ub2c8\ub2e4. \uc774\ub54c\ub294 \uccab \uc785\uc0ac \ud6c4 6\uac1c\uc6d4 \uc774\uc0c1 \uafb8\uc900\ud788 \uae09\uc5ec\uac00 \ub4e4\uc5b4\uc624\uace0 \uc788\ub2e4\ub294 \uc810\uc744 \uc99d\uba85\ud558\uac70\ub098, \uc7ac\uc9c1 \uc99d\uba85\uc11c\ub97c \uc81c\ucd9c\ud574 \uc2e0\uc6a9\ub3c4\ub97c \ubcf4\uc644\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c \uc2e0\uc6a9\uce74\ub4dc \uacb0\uc81c\ub300\uae08\uc744 \uc5f0\uccb4 \uc5c6\uc774 \uafb8\uc900\ud788 \ub0a9\ubd80\ud558\uba74 \uc2e0\uc6a9\ub4f1\uae09\uc744 \uc62c\ub9ac\ub294 \ub370 \uae30\uc5ec\ud560 \uc218 \uc788\uc73c\uba70, \uc774\ub7f0 \uae0d\uc815\uc801 \uc2e0\uc6a9\uc815\ubcf4\uac00 \uc313\uc774\uba74 \ub300\ucd9c \uae08\ub9ac\uc5d0\uc11c\ub3c4 \ud61c\ud0dd\uc744 \ubc1b\uc744 \uac00\ub2a5\uc131\uc774 \ub192\uc544\uc9d1\ub2c8\ub2e4. \ub9cc\uc57d \uc2e0\uc6a9\ub4f1\uae09\uc774 \ub0ae\uc544 \ub2e4\uc18c \ub192\uc740 \uae08\ub9ac\uc758 \ub300\ucd9c\uc744 \ubc1b\uac8c \ub418\uc5c8\ub2e4\uba74, \uc77c\uc815 \uae30\uac04 \uc5f0\uccb4 \uc5c6\uc774 \uc0c1\ud658\ud55c \ub4a4 \uae08\ub9ac \uc778\ud558 \uc694\uad6c\uad8c\uc744 \ud589\uc0ac\ud560 \uc218\ub3c4 \uc788\uc73c\ub2c8 \uc774\ub97c \uc801\uadf9\uc801\uc73c\ub85c \ud65c\uc6a9\ud574\uc57c \ud569\ub2c8\ub2e4.\n<\/p>\n<p>\n\ud55c\ud3b8, \uc628\ub77c\uc778 \uc804\ubb38\uc740\ud589\uc774\ub098 \ud540\ud14c\ud06c \ud50c\ub7ab\ud3fc\uc740 \uae30\uc874 \uc2dc\uc911\uc740\ud589\ubcf4\ub2e4 \uac04\ud3b8\ud55c \uc808\ucc28\uc640 \ub2e4\uc591\ud55c \uc0c1\ud488\uc744 \uc81c\uacf5\ud558\uae30\ub3c4 \ud569\ub2c8\ub2e4. \ud2b9\ud788 \uc77c\ubd80 \ud540\ud14c\ud06c \uc5c5\uccb4\ub294 \ube44\ub300\uba74 \ub300\ucd9c \uc808\ucc28\ub97c \ud1b5\ud574 \uc2dc\uac04\uacfc \ube44\uc6a9\uc744 \uc808\uc57d\ud560 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud569\ub2c8\ub2e4. \ub2e4\ub9cc \ub300\ucd9c \ud55c\ub3c4\uac00 \uc801\uc744 \uc218 \uc788\uc73c\uba70, \uae08\ub9ac \uce21\uba74\uc5d0\uc11c \uc804\ud1b5 \uc740\ud589 \ub300\ube44 \ud06c\uac8c \uc720\ub9ac\ud558\uc9c0 \uc54a\uc744 \uc218\ub3c4 \uc788\uc73c\ub2c8 \uaf3c\uaf3c\ud55c \ube44\uad50\uac00 \ud544\uc694\ud569\ub2c8\ub2e4. \ub2e4\uc591\ud55c \uae08\uc735\uae30\uad00\uc5d0\uc11c \uc81c\uacf5\ud558\ub294 \uc774\uc790\uc728\uacfc \uc6b0\ub300\uc870\uac74\uc744 \ud45c\ub85c \uc815\ub9ac\ud558\uac70\ub098, \uad00\ub828 \ucee4\ubba4\ub2c8\ud2f0\uc5d0\uc11c \uc2e4\uc81c \uc774\uc6a9 \uc0ac\ub840\ub97c \ucc3e\uc544\ubcf4\ub294 \uac83\ub3c4 \uc88b\uc740 \ubc29\ubc95\uc785\ub2c8\ub2e4.\n<\/p>\n<p>\n\uc608\uae08\uacfc \uc801\uae08\uc740 \uc790\uae08\uc774 \uc548\uc804\ud558\uac8c \ubd88\uc5b4\ub098\uac8c \ud574 \uc900\ub2e4\ub294 \uc7a5\uc810\uc774 \uc788\uc73c\ub098, \uc778\ud50c\ub808\uc774\uc158\uc774 \uc2ec\ud560 \ub54c \uc2e4\uc9c8\uc801\uc778 \uc218\uc775\ub960\uc740 \uae30\ub300 \uc774\ud558\uac00 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc5f0 3% \uae08\ub9ac\ub85c \uc608\uae08\uc744 \ud588\ub294\ub370 \ubb3c\uac00 \uc0c1\uc2b9\ub960\uc774 3.5%\ub77c\uba74, \uc2e4\uc81c \uad6c\ub9e4\ub825\uc740 \uc624\ud788\ub824 \ub5a8\uc5b4\uc9c0\ub294 \uc148\uc785\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc5b4\ub290 \uc815\ub3c4\uc758 \uc2e0\uc6a9\uc704\ud5d8\uc744 \uac10\ub0b4\ud560 \uc218 \uc788\ub2e4\uba74, \uc608\uae08\u2219\uc801\uae08\uc73c\ub85c \uc313\uc740 \uc885\uc7a3\ub3c8\uc744 \ubc14\ud0d5\uc73c\ub85c \ud0c0 \uae08\uc735 \uc0c1\ud488\uc73c\ub85c \ub208\uc744 \ub3cc\ub9b4 \ud544\uc694\ub3c4 \uc0dd\uae41\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc608\uae08\u2219\uc801\uae08\uc740 \uc6d0\uae08 \uc190\uc2e4 \uc704\ud5d8\uc774 \uac70\uc758 \uc5c6\ub2e4\ub294 \uc810\uc5d0\uc11c, \uc704\uae30 \uc0c1\ud669\uc5d0 \ub300\ube44\ud55c \uc548\uc804\uc790\uc0b0\uc73c\ub85c\uc11c\uc758 \uc5ed\ud560\uc744 \ubb34\uc2dc\ud558\uae30 \uc5b4\ub835\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \uac11\uc791\uc2a4\ub7fd\uac8c \uc790\uae08\uc774 \ud544\uc694\ud574\uc9c0\ub294 \uc0c1\ud669(\uc2e4\uc9c1, \uac74\uac15 \ubb38\uc81c \ub4f1)\uc744 \uace0\ub824\ud558\uba74, \uc77c\ubd80 \uc790\uae08\uc744 \uc608\uae08\u2219\uc801\uae08\uc5d0 \uc548\uc804\ud558\uac8c \ubcf4\uad00\ud574 \ub450\ub294 \uac83\ub3c4 \ud604\uba85\ud55c \uc804\ub7b5\uc785\ub2c8\ub2e4.\n<\/p>\n<p>\n\uc694\uc57d\ud558\uc790\uba74, \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \uc608\uae08\u2219\uc801\uae08\u2219\ub300\ucd9c \uc0c1\ud488\uc744 \ud65c\uc6a9\ud560 \ub54c\ub294 \ub2e4\uc74c\uacfc \uac19\uc740 \uc810\uc744 \uc720\uc758\ud574\uc57c \ud569\ub2c8\ub2e4:\n<\/p>\n<ul>\n<li>\uc6b0\ub300\uae08\ub9ac \uc870\uac74(\uae09\uc5ec \uc774\uccb4, \uc790\ub3d9\uc774\uccb4, \uc2e0\uc6a9\uce74\ub4dc \uc0ac\uc6a9\uc561 \ub4f1)\uc744 \uc801\uadf9\uc801\uc73c\ub85c \uccb4\ud06c<\/li>\n<li>\uace0\uc815\uae08\ub9ac\uc640 \ubcc0\ub3d9\uae08\ub9ac\uc758 \ud2b9\uc9d5\uc744 \ud30c\uc545\ud574 \uae08\ub9ac \uc778\uc0c1\uae30\u00b7\uc778\ud558\uae30\uc5d0 \ub530\ub978 \ubd80\ub2f4 \ubcc0\ud654 \uc608\uce21<\/li>\n<li>\ub300\ucd9c\uc744 \ubc1b\uae30 \uc804\uc5d0\ub294 \uc0c1\ud658 \ub2a5\ub825\uacfc \ub0b4 \uc2e0\uc6a9\ub4f1\uae09\uc744 \ucca0\uc800\ud788 \ud30c\uc545<\/li>\n<li>\ube44\uc0c1\uae08\uc6a9 \uc608\uae08\u2219\uc801\uae08\uacfc \ud22c\uc790\u00b7\ubaa9\ub3c8 \ub9c8\ub828\uc6a9 \uc608\uae08\u2219\uc801\uae08\uc744 \uad6c\ubd84 \uc6b4\uc601<\/li>\n<li>\uc815\ucc45\uae08\uc735\uae30\uad00\uc774\ub098 \ud2b9\ud654 \uc0c1\ud488(\uccad\ub144 \uc6b0\ub300\uae08\ub9ac, \uc804\uc138\uc790\uae08 \ub4f1)\ub3c4 \uaf3c\uaf3c\ud788 \ube44\uad50<\/li>\n<li>\ud544\uc694 \uc2dc \uae08\ub9ac \uc778\ud558 \uc694\uad6c\uad8c \ud589\uc0ac \ubc0f \ub2e4\uc591\ud55c \uc740\ud589 \uc0c1\ud488\uacfc \ud540\ud14c\ud06c \ud50c\ub7ab\ud3fc \uc801\uadf9 \ud65c\uc6a9<\/li>\n<\/ul>\n<p>\n\uc774\ucc98\ub7fc \uc608\uae08, \uc801\uae08, \uadf8\ub9ac\uace0 \ub300\ucd9c \uc0c1\ud488\uc740 \uae30\ubcf8\uc801\uc778 \uae08\uc735 \uc0dd\ud65c\uc5d0\uc11c \ud575\uc2ec\uc801\uc778 \uc5ed\ud560\uc744 \ud558\uba70, \uc62c\ubc14\ub978 \uc804\ub7b5\uc801 \ud65c\uc6a9\uc774 \uac00\ub2a5\ud558\uba74 \uafb8\uc900\ud55c \uc7ac\uc815 \uc548\uc815\uacfc \ud568\uaed8 \ub354 \ud070 \ud22c\uc790\uc758 \ubc1c\ud310\uc744 \ub9c8\ub828\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\uc74c \uc139\uc158\uc5d0\uc11c\ub294 \uc774\ub7ec\ud55c \uc6a9\ub3c4\ubcc4 \uae08\uc735 \uc0c1\ud488\uc744 \ubc14\ud0d5\uc73c\ub85c, \ud22c\uc790\uc0c1\ud488\uacfc \ucd5c\uadfc \ud22c\uc790\ub3d9\ud5a5\uae4c\uc9c0 \ud3ed\ub113\uac8c \uc0b4\ud3b4\ubcf4\uba70 \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \uc5b4\ub5a4 \uacbd\ub85c\ub85c \uc790\uc0b0\uc744 \ud0a4\uc6cc\uac08 \uc218 \uc788\ub294\uc9c0 \uad6c\uccb4\uc801\uc73c\ub85c \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.\n<\/p>\n<h2 id=\"%ec%84%b9%ec%85%98-3-%ed%88%ac%ec%9e%90-%ec%83%81%ed%92%88%ea%b3%bc-%ec%b5%9c%ea%b7%bc-%eb%8f%99%ed%96%a5-AtPlAgMEet\">\uc139\uc158 3: \ud22c\uc790 \uc0c1\ud488\uacfc \ucd5c\uadfc \ub3d9\ud5a5<\/h2>\n<h3 id=\"%ed%95%98%ec%9c%84-%ec%a0%9c%eb%aa%a9-%ec%8b%9c%ec%9e%a5-%ed%9d%90%eb%a6%84-%eb%b0%8f-%ec%9c%a0%eb%a7%9d-%ec%9e%90%ec%82%b0-%ed%8c%8c%ec%95%85-AtPlAgMEet\">\ud558\uc704 \uc81c\ubaa9: \uc2dc\uc7a5 \ud750\ub984 \ubc0f \uc720\ub9dd \uc790\uc0b0 \ud30c\uc545<\/h3>\n<p>\n\uae08\uc735 \uae30\ucd08 \uc9c0\uc2dd\uacfc \uc608\uc801\uae08\u2219\ub300\ucd9c \uc0c1\ud488\uc5d0 \ub300\ud55c \uc774\ud574\ub97c \ud1a0\ub300\ub85c, \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774\ub77c\ub3c4 \uc790\uc0b0\uc744 \ubd88\ub9b4 \uc218 \uc788\ub294 \ub2e4\uc591\ud55c \ud22c\uc790 \uc0c1\ud488\uc5d0 \ub300\ud574 \uad00\uc2ec\uc744 \uac00\uc838\ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc804\ud1b5\uc801\uc73c\ub85c \uc8fc\uc2dd\u2219\ucc44\uad8c\u2219\ud380\ub4dc\u2219\ubd80\ub3d9\uc0b0\uc774 \ub300\ud45c\uc801\uc774\uc9c0\ub9cc, \ucd5c\uadfc\uc5d0\ub294 ETF\ub098 P2P\uae08\uc735, \uadf8\ub9ac\uace0 \uac00\uc0c1\uc790\uc0b0(\uc554\ud638\ud654\ud3d0) \ub4f1\ub3c4 \uc8fc\ubaa9\ubc1b\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc6b0\uc120, \uac00\uc7a5 \ub300\ud45c\uc801\uc778 \ud22c\uc790\ucc98\uc778 \uc8fc\uc2dd \uc2dc\uc7a5\ubd80\ud130 \uc0b4\ud3b4\ubcfc \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uc8fc\uc2dd \ud22c\uc790\ub294 \uae30\uc5c5\uc758 \uac00\uce58\uc640 \uc131\uc7a5 \uac00\ub2a5\uc131\uc744 \ubcf4\uace0 \ud22c\uc790\ud558\ub294 \ubc29\uc2dd\uc73c\ub85c, \ub300\uccb4\ub85c \uc7a5\uae30\uc801 \ud22c\uc790 \uad00\uc810\uc5d0\uc11c \uc811\uadfc\ud558\ub294 \uac83\uc774 \uc720\ub9ac\ud569\ub2c8\ub2e4. \uc608\ucee8\ub300 \uad6d\ub0b4 \ub300\ud615 \uc6b0\ub7c9\uc8fc\ub098 \ubc30\ub2f9\uc8fc \ub4f1\uc740 \uc0c1\ub300\uc801\uc73c\ub85c \uc704\ud5d8\uc774 \ub0ae\uace0 \uc77c\uc815 \uc218\uc900\uc758 \ubc30\ub2f9 \uc218\uc775\ub3c4 \uc81c\uacf5\ud574, \uc0ac\ud68c \ucd08\ub144\uc0dd\uc5d0\uac8c \ube44\uad50\uc801 \uc548\uc815\uc801 \ud22c\uc790 \ub300\uc548\uc774 \ub420 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.\n<\/p>\n<p>\n\ucd5c\uadfc \uc8fc\uc2dd \uc2dc\uc7a5 \ub3d9\ud5a5\uc744 \ubcf4\uba74 2023\ub144 \ub4e4\uc5b4 \uae00\ub85c\ubc8c \uacbd\uc81c \ubd88\ud655\uc2e4\uc131\uc774 \uc5ec\uc804\ud558\uc9c0\ub9cc, IT \ubc0f \uc2e0\uc7ac\uc0dd\uc5d0\ub108\uc9c0 \uad00\ub828 \uc885\ubaa9\uc774 \uc8fc\ubaa9\ubc1b\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uc778\uacf5\uc9c0\ub2a5(AI)\uacfc \uc804\uae30\ucc28 \uad00\ub828 \uae30\uc5c5\ub4e4\uc758 \uc8fc\uac00\ub294 \ud070 \ubcc0\ub3d9\uc131\uc744 \uacaa\uc73c\uba74\uc11c\ub3c4 \uc911\uc7a5\uae30\uc801\uc73c\ub85c \ub192\uc740 \uc131\uc7a5\uc744 \uae30\ub300\ud558\uac8c \ud569\ub2c8\ub2e4. \uc774\ub807\ub4ef \uc2dc\uc7a5 \ud2b8\ub80c\ub4dc\ub294 \ube60\ub974\uac8c \ubcc0\ud558\uae30\uc5d0, \uae30\ucd08 \uc9c0\uc2dd\uacfc \ud568\uaed8 \uafb8\uc900\ud55c \uc2dc\uc7a5 \ubaa8\ub2c8\ud130\ub9c1\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd C\uc528\uc758 \uc0ac\ub840\ub85c, \ucc98\uc74c\uc5d0\ub294 \uae30\uc220\uc8fc\uc5d0 \uc9d1\uc911 \ud22c\uc790\ud588\uc9c0\ub9cc, \uae09\ub4f1\uacfc \uae09\ub77d\uc744 \uacbd\ud5d8\ud55c \ub4a4 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \ubd84\uc0b0\ud574 \uc548\uc815\uc801\uc778 \uc815\uae30\uc608\uae08\uacfc \uc77c\ubd80 \ucc44\uad8c\ud615 \ud380\ub4dc, \uadf8\ub9ac\uace0 \ub300\ud615 \uc6b0\ub7c9\uc8fc\uc5d0 \uc7ac\ubd84\ubc30\ud568\uc73c\ub85c\uc368, \uc804\uccb4 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \ubcf4\ub2e4 \uc548\uc804\ud558\uac8c \uc720\uc9c0\ud560 \uc218 \uc788\uc5c8\uc2b5\ub2c8\ub2e4.\n<\/p>\n<p>\n\ucc44\uad8c \uc5ed\uc2dc \uc801\uc808\ud55c \ud22c\uc790 \ub300\uc0c1\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ucc44\uad8c\uc740 \uc815\ubd80\ub098 \uae30\uc5c5\uc774 \ubc1c\ud589\ud558\ub294 &#8216;\ube5a \uc99d\uc11c&#8217;\ub85c\uc11c, \uc6d0\uae08 \ubcf4\uc804 \uac00\ub2a5\uc131\uc774 \ub192\uace0 \uc774\uc790 \uc218\uc775\uc744 \uae30\ub300\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\ub9cc \ucc44\uad8c \uae08\ub9ac\ub294 \uc2dc\uc7a5 \uae08\ub9ac\uc640 \ubc18\ube44\ub840\ub85c \uc6c0\uc9c1\uc774\uae30 \ub54c\ubb38\uc5d0, \uae08\ub9ac \uc0c1\uc2b9\uae30\uc5d0\ub294 \ucc44\uad8c \uac00\uaca9\uc774 \ud558\ub77d\ud560 \uc218 \uc788\ub294 \ub9ac\uc2a4\ud06c\uac00 \uc874\uc7ac\ud569\ub2c8\ub2e4. \ucd5c\uadfc \ud55c\uad6d\uc758 \uae30\uc900\uae08\ub9ac\uac00 \uc62c\ub77c\uac04 \uc601\ud5a5\uc73c\ub85c \ucc44\uad8c \uc2dc\uc7a5\uc5d0\uc11c \uac00\uaca9 \ubcc0\ub3d9\uc131\uc774 \ubc1c\uc0dd\ud558\uace0 \uc788\uc9c0\ub9cc, \ubc18\ub300\ub85c \uc2e0\uc6a9\ub3c4\uac00 \ub192\uc740 \uad6d\uacf5\ucc44\uc5d0 \ud22c\uc790\ud558\uba74 \uc77c\uc815 \uc218\uc900\uc758 \uc548\uc815\uc801 \uc774\uc790 \uc218\uc775\uc744 \uc5bb\uc744 \uc218 \uc788\uae30\ub3c4 \ud569\ub2c8\ub2e4. \uc989, \uc8fc\uc2dd \uc2dc\uc7a5\uacfc \ub2ec\ub9ac \ucc44\uad8c\uc740 \uc0c1\ub300\uc801\uc73c\ub85c \ubcc0\ub3d9 \ud3ed\uc774 \uc791\uc9c0\ub9cc, \uae08\ub9ac \ub3d9\ud5a5\uc5d0 \ubbfc\uac10\ud558\uac8c \ubc18\uc751\ud558\ubbc0\ub85c, \uc2dc\uc7a5 \ubd84\uc11d\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.\n<\/p>\n<p>\n\ud380\ub4dc\ub294 \uac1c\ubcc4 \uc885\ubaa9\uc744 \uc9c1\uc811 \uace0\ub974\uae30 \uc5b4\ub824\uc6b4 \ud22c\uc790\uc790\uc5d0\uac8c \uc88b\uc740 \ub300\uc548\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc8fc\uc2dd\ud615 \ud380\ub4dc\ub098 \ucc44\uad8c\ud615 \ud380\ub4dc, \ud63c\ud569\ud615 \ud380\ub4dc \ub4f1 \ub2e4\uc591\ud55c \uc720\ud615 \uc911\uc5d0\uc11c \uc790\uc2e0\uc758 \ud22c\uc790 \ubaa9\ud45c\uc640 \uc131\ud5a5\uc5d0 \ub9de\uac8c \uc120\ud0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uacf5\uaca9\uc801\uc778 \ud22c\uc790\ub97c \uc120\ud638\ud55c\ub2e4\uba74 \ud14c\ub9c8\uc8fc \uc911\uc2ec\uc758 \uc801\uadf9\uc801 \uc8fc\uc2dd\ud615 \ud380\ub4dc\ub098 \ud574\uc678 \uc131\uc7a5\uc8fc \ud380\ub4dc\ub97c \uc0b4\ud3b4\ubcfc \uc218 \uc788\uace0, \ubc29\uc5b4\uc801\uc778 \ud22c\uc790\ub97c \uc9c0\ud5a5\ud55c\ub2e4\uba74 \uc548\uc815\ud615\uc774\ub098 \ucc44\uad8c\ud615 \ud380\ub4dc\ub97c \uace0\ub824\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud380\ub4dc\ub97c \uc6b4\uc601\ud558\ub294 \uc6b4\uc6a9\uc0ac\uc758 \uc5ed\ub7c9, \ubcf4\uc218 \uccb4\uacc4, \uacfc\uac70 \uc218\uc775\ub960\uc744 \uaf3c\uaf3c\ud788 \ud655\uc778\ud558\ub294 \uac83\uc774 \uc911\uc694\ud558\uba70, \uac00\uc785 \ud6c4\uc5d0\ub3c4 \uc815\uae30\uc801\uc73c\ub85c \ud380\ub4dc \uc6b4\uc6a9 \ubcf4\uace0\uc11c\ub97c \uac80\ud1a0\ud574 \uc131\uacfc\ub97c \ubaa8\ub2c8\ud130\ub9c1\ud574\uc57c \ud569\ub2c8\ub2e4.\n<\/p>\n<p>\nETF(\uc0c1\uc7a5\uc9c0\uc218\ud380\ub4dc)\ub3c4 \ucd5c\uadfc \ub728\uac70\uc6b4 \uad00\uc2ec\uc744 \ubc1b\ub294 \ud22c\uc790 \uc0c1\ud488\uc785\ub2c8\ub2e4. ETF\ub294 \ud2b9\uc815 \uc8fc\uac00\uc9c0\uc218\ub098 \uc790\uc0b0\uad70(\uc608: S&amp;P 500, \ucf54\uc2a4\ud53c200, \uae08, \uc6d0\uc720 \ub4f1)\uc744 \ucd94\uc885\ud558\uac70\ub098, \ud2b9\uc815 \ud14c\ub9c8\uc5d0 \uc9d1\uc911 \ud22c\uc790\ud558\ub294 \ud380\ub4dc\ub97c \uac70\ub798\uc18c\uc5d0 \uc0c1\uc7a5\ud574 \uc8fc\uc2dd\ucc98\ub7fc \ud3b8\ub9ac\ud558\uac8c \uc0ac\uace0\ud314 \uc218 \uc788\uac8c \ud55c \uc0c1\ud488\uc785\ub2c8\ub2e4. \uc608\ucee8\ub300 \uad6d\ub0b4 \uc8fc\uc2dd\uc2dc\uc7a5 \ub0b4 \u20182\ucc28\uc804\uc9c0 \uad00\ub828 ETF\u2019, \ud574\uc678 \uae30\uc220\uc8fc \u2018\ub098\uc2a4\ub2e5 100 ETF\u2019 \ub4f1 \ub2e4\uc591\ud55c \uc0c1\ud488\uc774 \uc874\uc7ac\ud569\ub2c8\ub2e4. \uc8fc\uc2dd\uacfc \ud380\ub4dc\uc758 \uc7a5\uc810\uc744 \uacb0\ud569\ud558\uc5ec \uc18c\uc561\uc73c\ub85c\ub3c4 \ubd84\uc0b0 \ud22c\uc790\uac00 \uac00\ub2a5\ud558\uace0, \uac70\ub798\uac00 \uc6a9\uc774\ud558\ub2e4\ub294 \uc810\uc5d0\uc11c \uc0ac\ud68c \ucd08\ub144\uc0dd\uc5d0\uac8c \ud2b9\ud788 \uc778\uae30\ub97c \ub04c\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc2dc\uc7a5 \ud750\ub984\uc744 \ube60\ub974\uac8c \ud30c\uc545\ud558\uace0 \ud2b9\uc815 \ud14c\ub9c8\uc5d0 \uc9d1\uc911 \ud22c\uc790\ud558\uace0\uc790 \ud55c\ub2e4\uba74, ETF\ub294 \ud6a8\uacfc\uc801\uc778 \uc218\ub2e8\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\ub9cc \uc678\uad6d ETF\ub97c \ub9e4\ub9e4\ud560 \uacbd\uc6b0 \ud658\uc728 \ubcc0\ub3d9 \ub9ac\uc2a4\ud06c\ub3c4 \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4.\n<\/p>\n<p>\n\ubd80\ub3d9\uc0b0 \ud22c\uc790 \uc5ed\uc2dc \ud55c\uad6d \uc0ac\ud68c\uc5d0\uc11c\ub294 \uc624\ub7ab\ub3d9\uc548 \uc120\ud638\ub418\ub294 \ud22c\uc790 \uc911 \ud558\ub098\uc785\ub2c8\ub2e4. \ub2e4\ub9cc \ucd5c\uadfc\uc5d0\ub294 \uae08\ub9ac \uc0c1\uc2b9\uacfc \ubd80\ub3d9\uc0b0 \uaddc\uc81c\ub85c \uc778\ud574, \uac00\uaca9 \uc6c0\uc9c1\uc784\uc774 \uacfc\uac70\ub9cc\ud07c \uac00\ud30c\ub974\uc9c0 \uc54a\ub2e4\ub294 \ubd84\uc11d\uc774 \ub9ce\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uc0ac\ud68c \ucd08\ub144\uc0dd \uc785\uc7a5\uc5d0\uc11c\ub294 \ub300\ucd9c\uc744 \ub07c\uace0 \ubd80\ub3d9\uc0b0\uc744 \ub9e4\uc785\ud558\uae30\uac00 \uc27d\uc9c0 \uc54a\uc73c\uba70, \ucd08\ubc18 \uc790\ubcf8\uae08\uc774 \ud06c\uac8c \ud544\uc694\ud55c \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \uadf8\ub798\uc11c REITs(\ubd80\ub3d9\uc0b0\ud22c\uc790\ud68c\uc0ac)\ub098 \ubd80\ub3d9\uc0b0 \ud380\ub4dc \uac19\uc740 \uac04\uc811 \ud22c\uc790 \ubc29\uc2dd\uc744 \uc774\uc6a9\ud558\ub294 \uacbd\uc6b0\ub3c4 \ub298\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ubd80\ub3d9\uc0b0 \uac04\uc811 \ud22c\uc790\ub97c \ud1b5\ud574 \uc0c1\ub300\uc801\uc73c\ub85c \uc801\uc740 \uae08\uc561\uc73c\ub85c\ub3c4 \uc784\ub300 \uc218\uc775\uc774\ub098 \uc2dc\uc138 \ucc28\uc775\uc5d0 \ucc38\uc5ec\ud560 \uc218 \uc788\uc73c\ub098, \ubd80\ub3d9\uc0b0 \uc2dc\uc7a5 \uc790\uccb4\uac00 \uc7a5\uae30\uc801 \uc0ac\uc774\ud074\uc5d0 \uc601\ud5a5\uc744 \ud06c\uac8c \ubc1b\uae30 \ub54c\ubb38\uc5d0 \uc2dc\uc810 \uc120\ud0dd\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.\n<\/p>\n<p>\n\uac00\uc0c1\uc790\uc0b0(\uc554\ud638\ud654\ud3d0) \uc2dc\uc7a5\ub3c4 \ud55c\ub54c\ub294 \ud3ed\ubc1c\uc801\uc778 \uc778\uae30\ub97c \ub04c\uc5c8\uc73c\ub098, \ud604\uc7ac\ub294 \ud070 \ubcc0\ub3d9\uc131\uacfc \uaddc\uc81c \uc774\uc288\ub85c \uc778\ud574 \uc2e0\uc911\ud55c \uc811\uadfc\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \ube44\ud2b8\ucf54\uc778\uc774\ub098 \uc774\ub354\ub9ac\uc6c0 \uac19\uc740 \ub300\ud45c\uc801\uc778 \ucf54\uc778\uc774 \uc0c1\ub300\uc801\uc73c\ub85c \uc548\uc815\uc801\uc778 \ud3b8\uc774\uc9c0\ub9cc, \uc5ec\uc804\ud788 \uc8fc\uc2dd\ubcf4\ub2e4 \ud6e8\uc52c \ub192\uc740 \ubcc0\ub3d9\uc131\uc744 \uac00\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub2e8\uae30\uac04\uc5d0 \ud070 \uc218\uc775\uc744 \ub178\ub9b4 \uc218\ub3c4 \uc788\uc9c0\ub9cc, \uae09\ub77d \uc704\ud5d8\ub3c4 \uc874\uc7ac\ud558\ubbc0\ub85c, \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \uc804 \uc7ac\uc0b0\uc744 \ud22c\uc790\ud558\ub294 \uac83\uc740 \ub9e4\uc6b0 \uc704\ud5d8\ud569\ub2c8\ub2e4. \uc77c\uc885\uc758 \u2018\uace0\uc704\ud5d8\u2219\uace0\uc218\uc775\u2019 \uc790\uc0b0\uc73c\ub85c \uc778\uc2dd\ud558\uace0, \uc804\uccb4 \uc790\uc0b0\uc758 \ud55c \uc77c\ubd80\ub9cc \ud22c\uc785\ud558\ub294 \ubd84\uc0b0 \ud22c\uc790 \uc804\ub7b5\uc774 \uad8c\uc7a5\ub429\ub2c8\ub2e4. \ucd5c\uadfc \uae00\ub85c\ubc8c \uaddc\uc81c \uac15\ud654 \uc6c0\uc9c1\uc784\uacfc \ub300\ud615 \ud50c\ub7ab\ud3fc\uc758 \uc2b9\uc778 \uc774\uc288 \ub4f1\uc744 \uc8fc\uc2dc\ud558\uba74\uc11c \uc801\uc808\ud788 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uc870\uc815\ud574\uc57c \ud569\ub2c8\ub2e4.\n<\/p>\n<p>\n\ud22c\uc790 \ucd08\ubcf4\uc790\ub77c\uba74 \ubd84\uc0b0 \ud22c\uc790\uc640 \ub9ac\uc2a4\ud06c \uad00\ub9ac\ub97c \ucd5c\uc6b0\uc120\uc73c\ub85c \uc0bc\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uc790\uc2e0\uc774 \uc54c\uc9c0 \ubabb\ud558\ub294 \uc0c1\ud488\uc5d0 \uc27d\uac8c \ub6f0\uc5b4\ub4e4\uc5b4 \ud55c\uaebc\ubc88\uc5d0 \ub9ce\uc740 \uc790\uae08\uc744 \ud22c\uc785\ud558\ub294 \uac83\uc740 \uc9c0\uc591\ud574\uc57c \ud569\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc18c\uc561\uc73c\ub85c \uc5ec\ub7ec \uc0c1\ud488\uc5d0 \ubd84\uc0b0 \ud22c\uc790\ud574 \ubcf4\uba70, \uac01 \uc2dc\uc7a5\uc758 \ud2b9\uc131\uacfc \ub9ac\uc2a4\ud06c \uc694\uc778\uc744 \ucc9c\ucc9c\ud788 \uc775\ud600\ub098\uac00\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc8fc\uc2dd\uc5d0 50%, \ucc44\uad8c\ud615 \ud380\ub4dc\uc5d0 30%, \uc608\uae08\uc774\ub098 \uc801\uae08\uc5d0 20%\ub97c \ub450\ub294 \uc2dd\uc73c\ub85c \uc790\uc2e0\ub9cc\uc758 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\uc131\ud558\uace0, \uacb0\uacfc\ub97c \ub9e4\ub2ec \ud639\uc740 \ubd84\uae30\ubcc4\ub85c \ubd84\uc11d\ud558\ub294 \uc2b5\uad00\uc744 \ub4e4\uc774\uba74 \ud070 \uae68\ub2ec\uc74c\uc744 \uc5bb\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \ud5a5\ud6c4 \uc790\uc0b0 \uaddc\ubaa8\uac00 \ucee4\uc84c\uc744 \ub54c\ub3c4 \ub3d9\uc77c\ud55c \uc6d0\uce59\uc73c\ub85c \uc801\uc6a9\ub418\uae30 \ub54c\ubb38\uc5d0, \ud22c\uc790 \ucd08\ubc18\uc758 \uacbd\ud5d8\uacfc \uc2e4\ud328 \uc0ac\ub840\ub294 \ub9e4\uc6b0 \uadc0\uc911\ud55c \uc790\uc0b0\uc774 \ub429\ub2c8\ub2e4.\n<\/p>\n<p>\n\ub610\ud55c \ucd5c\uadfc \uae00\ub85c\ubc8c \uacbd\uc81c \ub3d9\ud5a5\uc5d0 \ubbfc\uac10\ud558\uac8c \ubc18\uc751\ud558\ub294 \uac83\uc774 \uc8fc\uc2dd \uc2dc\uc7a5\ub9cc\uc740 \uc544\ub2d9\ub2c8\ub2e4. \uc678\ud658 \uc2dc\uc7a5\uc5d0\uc11c \ub2ec\ub7ec \uac15\uc138\uac00 \ub450\ub4dc\ub7ec\uc9c0\uac70\ub098, \uae08\uac12\uc774 \uae09\ub4f1\ud560 \ub54c, \uc6d0\uc790\uc7ac \uc2dc\uc7a5\uc5d0 \ub3cc\ubc1c \uc774\uc288\uac00 \ubc1c\uc0dd\ud560 \ub54c \ub4f1 \ub2e4\uc591\ud55c \uc694\uc778\uc774 \uc5ec\ub7ec \ud22c\uc790 \uc0c1\ud488\uc5d0 \ub3d9\uc2dc\ub2e4\ubc1c\uc801\uc73c\ub85c \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub97c \uc608\uce21\ud558\uae30\ub294 \uc27d\uc9c0 \uc54a\uc9c0\ub9cc, \ub192\uc740 \ubcc0\ub3d9\uc131 \uc7a5\uc138\uc5d0\uc11c\ub294 \ud604\uae08\uc744 \ubcf4\uc720\ud558\ub294 \uac83\ub3c4 \uc804\ub7b5\uc774 \ub420 \uc218 \uc788\uc73c\uba70, \uc77c\ubd80 \uc548\uc804\uc790\uc0b0(\uae08, \ub2ec\ub7ec \ud45c\uc2dc \ucc44\uad8c \ub4f1)\uc5d0 \uc790\uae08\uc744 \ubc30\ubd84\ud574 \uc704\ud5d8\uc744 \uc904\uc77c \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774\ub77c\uba74 \uc774\ub7f0 \uac70\uc2dc\uacbd\uc81c \ud750\ub984\uc744 \ucc9c\ucc9c\ud788 \uc811\ud558\uba74\uc11c, \uc790\uc2e0\ub9cc\uc758 \ud22c\uc790 \uc131\ud5a5\uacfc \uc2dc\uc7a5 \uc608\uce21 \ub2a5\ub825\uc744 \uae30\ub974\ub294 \uac83\uc774 \ud6d7\ub0a0 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.\n<\/p>\n<p>\n\uc815\ub9ac\ud558\uc790\uba74 \ucd5c\uadfc \ud22c\uc790 \uc2dc\uc7a5\uc740 \uae30\uc220\uc8fc, \uc2e0\uc7ac\uc0dd\uc5d0\ub108\uc9c0, ETF, \uac00\uc0c1\uc790\uc0b0 \ub4f1 \ub2e4\uc591\ud55c \ubd84\uc57c\ub85c \ube60\ub974\uac8c \ubcc0\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\uc740 \uad11\ubc94\uc704\ud55c \uae30\ud68c\ub97c \ub204\ub9b4 \uc218 \uc788\uc9c0\ub9cc, \ub3d9\uc2dc\uc5d0 \ub192\uc740 \ubcc0\ub3d9\uc131\uacfc \uc704\ud5d8\uc744 \ub5a0\uc548\uc544\uc57c \ud569\ub2c8\ub2e4. \ud22c\uc790\uc5d0 \ub300\ud55c \uc62c\ubc14\ub978 \uc774\ud574\uc640 \ubd84\uc0b0 \ud22c\uc790, \uadf8\ub9ac\uace0 \uc9c0\uc18d\uc801\uc778 \uc815\ubcf4 \uc218\uc9d1\uc740 \ud544\uc218\uc774\uba70, \uc801\uc808\ud55c \uc2dc\uc810\uc5d0 \ub9e4\uc218\u00b7\ub9e4\ub3c4\ud560 \uc218 \uc788\ub294 \ud310\ub2e8 \ub2a5\ub825\uc744 \uae30\ub974\uae30 \uc704\ud574\uc11c\ub294 \uc2dc\uc7a5\uc744 \uafb8\uc900\ud788 \uad00\ucc30\ud574\uc57c \ud569\ub2c8\ub2e4. \ud22c\uc790\ub85c \ub2e8\uae30\uac04\uc5d0 \u2018\ub300\ubc15\u2019\uc744 \uc6d0\ud558\uae30\ubcf4\ub2e4\ub294, \uc790\uc5f0\uc2a4\ub7fd\uac8c \uc790\uc0b0\uc774 \ubd88\uc5b4\ub098\ub294 \u2018\uc7a5\uae30 \uc2dc\uac01\u2019\uc744 \uc720\uc9c0\ud558\ub294 \uac83\uc774 eventually \ub354 \ud070 \uc131\uacfc\ub97c \uc5bb\uac8c \ud574 \uc904 \uac83\uc785\ub2c8\ub2e4.\n<\/p>\n<h2 id=\"%ec%84%b9%ec%85%98-4-%ea%b8%88%ec%9c%b5%ec%83%81%ed%92%88-%ed%99%9c%ec%9a%a9-%eb%85%b8%ed%95%98%ec%9a%b0%ec%99%80-%ec%9c%84%ed%97%98-%ea%b4%80%eb%a6%ac-AtPlAgMEet\">\uc139\uc158 4: \uae08\uc735\uc0c1\ud488 \ud65c\uc6a9 \ub178\ud558\uc6b0\uc640 \uc704\ud5d8 \uad00\ub9ac<\/h2>\n<h3 id=\"%ed%95%98%ec%9c%84-%ec%a0%9c%eb%aa%a9-%ec%82%ac%ed%9a%8c-%ec%b4%88%eb%85%84%ec%83%9d%ec%9d%84-%ec%9c%84%ed%95%9c-%ec%a0%84%eb%ac%b8%ea%b0%80-%ed%8c%81-AtPlAgMEet\">\ud558\uc704 \uc81c\ubaa9: \uc0ac\ud68c \ucd08\ub144\uc0dd\uc744 \uc704\ud55c \uc804\ubb38\uac00 \ud301<\/h3>\n<p>\n\ub9c8\uc9c0\ub9c9 \uc139\uc158\uc5d0\uc11c\ub294 \ub2e4\uc591\ud55c \uae08\uc735\uc0c1\ud488\uc744 \ud6a8\uacfc\uc801\uc73c\ub85c \ud65c\uc6a9\ud558\uba74\uc11c\ub3c4 \uc704\ud5d8 \uad00\ub9ac\ub97c \ub3d9\uc2dc\uc5d0 \uc218\ud589\ud560 \uc218 \uc788\ub294 \uc804\ubb38\uac00 \ud301\uc744 \ub2e4\ub8e8\uc5b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd \uc785\uc7a5\uc5d0\uc11c \uac00\uc7a5 \uc911\uc694\ud55c \uac83\uc740 \uc548\uc815\uc131\uacfc \uc131\uc7a5\uc131\uc744 \ub3d9\uc2dc\uc5d0 \ucd94\uad6c\ud558\ub418, \ubcf8\uc778\uc774 \uac10\ub0b4\ud560 \uc218 \uc788\ub294 \ub9ac\uc2a4\ud06c \uc218\uc900\uc744 \uba85\ud655\ud788 \uc54c\uc544\uc57c \ud55c\ub2e4\ub294 \uc810\uc785\ub2c8\ub2e4. \uc608\u00b7\uc801\uae08\uc740 \uc548\uc804\uc790\uc0b0\uc73c\ub85c \ubd84\ub958\ub418\uc5b4 \uc6d0\uae08 \uc190\uc2e4 \uc704\ud5d8\uc774 \uac70\uc758 \uc5c6\uc73c\ub098, \ub0ae\uc740 \uae08\ub9ac\ub85c \uc778\ud574 \uc778\ud50c\ub808\uc774\uc158\uc744 \uace0\ub824\ud558\uba74 \uc2e4\uc9c8\uc218\uc775\ub960\uc774 \ubbf8\ubbf8\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub300\uc2e0 \uc8fc\uc2dd\uc774\ub098 \ud380\ub4dc \ub4f1\uc740 \uc218\uc775\ub960\uc774 \ub192\uc744 \uc218 \uc788\uc9c0\ub9cc \uc6d0\uae08 \uc190\uc2e4 \uc704\ud5d8\ub3c4 \ub9e4\uc6b0 \ud07d\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc5ec\ub7ec \uae08\uc735\uc0c1\ud488\uc744 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ud615\ud0dc\ub85c \uad6c\uc131\ud558\uc5ec, \ud55c\ucabd\uc5d0\uc11c \uc190\uc2e4\uc774 \ubc1c\uc0dd\ud558\ub354\ub77c\ub3c4 \ub2e4\ub978 \ucabd\uc5d0\uc11c \ubcf4\uc644\ub420 \uc218 \uc788\ub3c4\ub85d \ud558\ub294 \uac83\uc774 \uae30\ubcf8\uc801\uc778 \u2018\uc704\ud5d8 \ubd84\uc0b0\u2019 \uc804\ub7b5\uc785\ub2c8\ub2e4.\n<\/p>\n<p>\n\uc911\uc694\ud55c \uac83\uc740 \uc6d4\uae09\uc774 \ub4e4\uc5b4\uc624\uc790\ub9c8\uc790 \uac00\uc7a5 \uba3c\uc800 \uc800\ucd95\u2219\ud22c\uc790\uae08\uc744 \ubd84\ub9ac\ud574 \ub193\ub294 \uc2b5\uad00\uc785\ub2c8\ub2e4. \ub300\ub2e4\uc218 \uc0ac\ub78c\uc740 \uc0dd\ud65c\ube44\ub97c \uc4f0\uace0 \ub0a8\uc740 \uae08\uc561\uc744 \uc800\ucd95\u2219\ud22c\uc790\uc5d0 \uc4f0\ub824\uace0 \ud558\uc9c0\ub9cc, \uadf8\ub7f4 \uacbd\uc6b0 \uc0dd\uac01\ubcf4\ub2e4 \uc2e4\uc81c\ub85c \ud22c\uc790\uc5d0 \ub3cc\ub9b4 \uc218 \uc788\ub294 \ub3c8\uc774 \uc904\uc5b4\ub4e4\uace4 \ud569\ub2c8\ub2e4. \uc804\ubb38\uac00\ub4e4\uc740 \uae09\uc5ec\ud1b5\uc7a5\uc5d0\uc11c \ud2b9\uc815 \uae08\uc561\uc744 \uc790\ub3d9\uc774\uccb4\ub85c \uc608\uae08 \ud639\uc740 \uc801\uae08, \ud380\ub4dc \uacc4\uc88c \ub4f1\uc73c\ub85c \uc62e\uae30\ub294 \ubc29\uc2dd\uc744 \ucd94\ucc9c\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc790\ub3d9\ud654\ub41c \uc2dc\uc2a4\ud15c\uc740 \u2018\uc758\uc9c0\ub825\u2019\uc744 \ud544\uc694\ub85c \ud558\uc9c0 \uc54a\uae30 \ub54c\ubb38\uc5d0, \uc9c0\ucd9c\uc744 \uc5c4\uaca9\ud788 \ud1b5\uc81c\ud558\ub294 \ud6a8\uacfc\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uc77c\uc815 \uae08\uc561\uc744 \uc800\ucd95\u2219\ud22c\uc790\ub85c \ube7c\ub193\uc740 \ub4a4 \ub0a8\uc740 \uae08\uc561 \ub0b4\uc5d0\uc11c \uc0dd\ud65c\ube44\ub97c \uc870\uc808\ud558\uba74, \uc9c0\ucd9c \uc2b5\uad00\uc774 \ud569\ub9ac\uc801\uc73c\ub85c \ubcc0\ud558\uace0 \uc790\uc5f0\uc2a4\ub7ec\uc6b4 \ube44\uc6a9 \uc808\uac10 \ud6a8\uacfc\ub3c4 \ub204\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n<\/p>\n<p>\n\uc2e0\uc6a9\uce74\ub4dc \uc0ac\uc6a9 \ud328\ud134\uacfc \ubd80\ucc44 \uad00\ub9ac\ub294 \uae08\uc735\uc0dd\ud65c\uc758 \uc548\uc815\uc131\uc744 \uc88c\uc6b0\ud558\ub294 \ub610 \ub2e4\ub978 \ud575\uc2ec \uc694\uc18c\uc785\ub2c8\ub2e4. \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \ucc98\uc74c \uce74\ub4dc\ub97c \ub9cc\ub4e4\uba74, \ub192\uc740 \ud55c\ub3c4\uc640 \uac04\ud3b8 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc73c\ub85c \uc778\ud574 \uc608\uc0c1 \ubc16\uc758 \uc9c0\ucd9c\uc744 \ud558\uac8c \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uce74\ub4dc \ud55c\ub3c4\ub97c \ub0ae\ucdb0 \ub450\uace0, \uc6d4 \ub2e8\uc704 \uc0ac\uc6a9 \uae08\uc561\uc774 \uc790\uc2e0\uc758 \uc608\uc0c1 \ubc94\uc704 \uc548\uc5d0 \uc788\ub294\uc9c0\ub97c \uafb8\uc900\ud788 \uc810\uac80\ud569\ub2c8\ub2e4. \ub9cc\uc57d \uce74\ub4dc\uac12 \uc5f0\uccb4\uac00 \ubc1c\uc0dd\ud574 \uc2e0\uc6a9\ub3c4\uc5d0 \ubb38\uc81c\uac00 \uc0dd\uae30\uba74, \ud5a5\ud6c4 \ub300\ucd9c\uae08\ub9ac\ub098 \uae08\uc735\uc0c1\ud488 \uc774\uc6a9\uc5d0 \ub9e4\uc6b0 \ubd88\ub9ac\ud574\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\ub300\ub85c \uc2e0\uc6a9\uce74\ub4dc\ub97c \uac74\uc804\ud558\uac8c \uc774\uc6a9\ud558\uc5ec \uc5f0\uccb4 \uc5c6\uc774 \uc0c1\ud658 \uae30\ub85d\uc744 \uc313\uc73c\uba74 \uc2e0\uc6a9\ub4f1\uae09\uc774 \uc62c\ub77c\uac00 \ub300\ucd9c\uae08\ub9ac\ub3c4 \ub0ae\ucd9c \uc218 \uc788\uace0, \ub2e4\uc591\ud55c \uae08\uc735 \ud61c\ud0dd\uc744 \ub204\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n<\/p>\n<p>\n\ud22c\uc790 \uc2dc\uc5d0\ub294 \u2018\uc7a5\uae30\uc801 \uad00\uc810\u2019\uc744 \uacac\uc9c0\ud558\ub294 \uac83\uc774 \uc7a5\uc810\uc785\ub2c8\ub2e4. \ub2e8\uae30\uc801\uc778 \uc2dc\uc138 \ub4f1\ub77d\uc5d0 \uc790\uc8fc \ud754\ub4e4\ub9ac\uba74, \uacb0\uad6d \ub192\uc740 \uac00\uaca9\uc5d0 \ub9e4\uc218\ud574 \ub0ae\uc740 \uac00\uaca9\uc5d0 \ub9e4\ub3c4\ud558\ub294 \u2018\ubc18\ub300\ub9e4\ub9e4\u2019 \uc0c1\ud669\uc744 \ub9de\uc774\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uc0ac\ud68c \ucd08\ub144\uc0dd\uc740 \uc55e\uc73c\ub85c \uc77c\ud560 \uae30\uac04\uc774 \ube44\uad50\uc801 \uae38\uace0, \ub9e4\uc6d4 \uc77c\uc815 \uc18c\ub4dd\uc774 \ub4e4\uc5b4\uc62c \uac00\ub2a5\uc131\uc774 \ub192\ub2e4\ub294 \uc810\uc5d0\uc11c \uc7a5\uae30 \ud22c\uc790\uc5d0 \uc720\ub9ac\ud569\ub2c8\ub2e4. \uac00\ub2a5\ud558\ub2e4\uba74 3\ub144, 5\ub144 \uc774\uc0c1\uc758 \uc2dc\uacc4\uc5f4\ub85c \ud22c\uc790 \uc804\ub7b5\uc744 \uc138\uc6b0\uace0, \uc545\uc7ac\uac00 \ub2e4\uac00\uc640\ub3c4 \ud380\ub354\uba58\ud138\uc774 \uc88b\uc740 \uc790\uc0b0\uc774\ub77c\uba74 \uacc4\uc18d \ubcf4\uc720\ud558\ub294 \uc778\ub0b4\uc2ec\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc5b4\ub290 \uae30\uc5c5\uc774\ub098 \uc2dc\uc7a5\ub3c4 \uc0ac\uc774\ud074\uc744 \uacaa\uae30 \ub9c8\ub828\uc774\ubbc0\ub85c, \uc9c0\uc18d\ub41c \ud558\ub77d\uc5d0\ub3c4 \ubc84\ud2f8 \uc218 \uc788\ub294 \uc790\ubcf8\uacfc \uba58\ud0c8\uc744 \uc900\ube44\ud558\ub294 \uac83\uc774 \ud575\uc2ec\uc785\ub2c8\ub2e4.\n<\/p>\n<p>\n\ub610\ud55c \uc0ac\ud68c \ucd08\ub144\uc0dd\uc740 \uc790\uc2e0\uc774 \uac00\uc785\ud55c \ud68c\uc0ac\uc758 \ubcf5\uc9c0\uc81c\ub3c4\ub098 \ub178\ud6c4 \ub300\ube44 \uc800\uc7a5 \uc81c\ub3c4\ub97c \uc801\uadf9 \ud65c\uc6a9\ud560 \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uae30\uc5c5\ud615 \ud1f4\uc9c1\uc5f0\uae08(DC\ud615, DB\ud615) \ud639\uc740 \uac1c\uc778\ud615 \ud1f4\uc9c1\uc5f0\uae08(IRP)\uc5d0 \ub300\ud55c \uc774\ud574\ub97c \ub192\uc774\uba74, \uc138\uc81c \ud61c\ud0dd\uc744 \ubc1b\uc73c\uba74\uc11c \uc7a5\uae30\uc801\uc73c\ub85c \uc790\uae08\uc744 \uc6b4\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \ub0b4 \ud68c\uc0ac\uc5d0\uc11c \uc9c0\uc6d0\ud558\ub294 \uc8fc\ud0dd\uc790\uae08 \ub300\ucd9c\uc774\ub098 \uad50\uc721\ube44 \uc9c0\uc6d0 \uc81c\ub3c4 \ub4f1\uc744 \ud65c\uc6a9\ud574 \uc9c0\ucd9c\uc744 \ud6a8\uc728\ud654\ud558\uba74, \ub354 \ub9ce\uc740 \uae08\uc561\uc744 \ud22c\uc790\ub85c \ub3cc\ub9b4 \uc218 \uc788\uac8c \ub429\ub2c8\ub2e4. \uc7ac\ud14c\ud06c\ub294 \uc885\uc885 \uc791\uc740 \ub178\ub825\uacfc \uc9c0\uc2dd \ucc28\uc774\uc5d0\uc11c \ud070 \uacb0\uacfc\uac00 \ub2ec\ub77c\uc9c0\ubbc0\ub85c, \ud68c\uc0ac\ub098 \uc815\ubd80\uc5d0\uc11c \uc81c\uacf5\ud558\ub294 \uc815\ucc45 \ud61c\ud0dd\uc744 \uaf3c\uaf3c\ud788 \uc0b4\ud3b4\ubcf4\ub294 \uac83\ub3c4 \ub9e4\uc6b0 \uc911\uc694\uc785\ub2c8\ub2e4.\n<\/p>\n<p>\n\ub9ac\uc2a4\ud06c \uad00\ub9ac\ub97c \uc704\ud574\uc11c\ub294 \u2018\uae34\uae09\uc790\uae08\u2019 \ud639\uc740 \u2018\ube44\uc0c1\uae08 \ud1b5\uc7a5\u2019\uc744 \uc124\uc815\ud574 \ub450\ub294 \uac83\ub3c4 \uc78a\uc9c0 \ub9d0\uc544\uc57c \ud569\ub2c8\ub2e4. \uac11\uc791\uc2a4\ub7fd\uac8c \uc2e4\uc9c1\uc744 \ub2f9\ud558\uac70\ub098, \uc608\uc0c1\uce58 \ubabb\ud55c \uc758\ub8cc\ube44\uac00 \ubc1c\uc0dd\ud558\uba74 \uc801\uae08\uc774\ub098 \ud22c\uc790 \uc0c1\ud488\uc744 \uc911\ub3c4\ud574\uc9c0\ud574\uc57c \ud558\ub294 \uc0c1\ud669\uc774 \uc0dd\uae38 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7f0 \uc0c1\ud669\uc744 \uc608\ubc29\ud558\ub824\uba74 \uc0dd\ud65c\ube44 3~6\uac1c\uc6d4 \uc815\ub3c4 \uaddc\ubaa8\uc758 \ube44\uc0c1\uae08\uc744 \ud604\uae08\ud654\ud558\uae30 \uc26c\uc6b4 \ud1b5\uc7a5(\ubcf4\ud1b5 \uc608\uae08 \ub4f1)\uc5d0 \ube44\ucd95\ud574 \ub450\uace0, \ub098\uba38\uc9c0\ub97c \ub2e4\uc591\ud55c \uc0c1\ud488\uc5d0 \ud22c\uc790\ud558\ub294 \uc2dd\uc73c\ub85c \ubd84\ubc30\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uc7ac\uc815 \uc0dd\ud65c\uc758 \uc2a4\ud2b8\ub808\uc2a4\ub97c \uc900\ud654\ud558\uace0, \uc790\uc0b0\uc744 \uc911\ub3c4\uc5d0 \ucc98\ubd84\ud574\uc57c \ud558\ub294 \uc5b5\uc6b8\ud55c \uc0c1\ud669\uc744 \ud53c\ud558\uac8c \ub3c4\uc640\uc90d\ub2c8\ub2e4.\n<\/p>\n<p>\n\uae08\uc735 \uc0c1\ud488\uc744 \uc120\ud0dd\ud560 \ub54c\ub294, \ud310\ub9e4 \ucc3d\uad6c \uc9c1\uc6d0\uc774 \uad8c\ud558\ub294 \uc0c1\ud488\ub9cc \ubb34\uc791\uc815 \uac00\uc785\ud558\uae30\ubcf4\ub2e4\ub294 \uc2a4\uc2a4\ub85c \uc5ec\ub7ec \uc815\ubcf4\ub97c \ube44\uad50\ud558\ub294 \ud0dc\ub3c4\uac00 \ud544\uc694\ud569\ub2c8\ub2e4. \uc800\ucd95\uc740\ud589, \uc778\ud130\ub137\uc804\ubb38\uc740\ud589, \uc99d\uad8c\uc0ac, \ubcf4\ud5d8\uc0ac \ub4f1 \uae30\uad00\uc5d0 \ub530\ub77c \uae08\ub9ac\uc640 \uc218\uc218\ub8cc, \ud61c\ud0dd\uc774 \ud06c\uac8c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ucee8\ub300 \uac19\uc740 \uc815\uae30\uc608\uae08\uc774\ub77c\ub3c4 \uc624\ud504\ub77c\uc778 \uc740\ud589\ubcf4\ub2e4 \uc778\ud130\ub137\uc804\ubb38\uc740\ud589\uc774 \ub354 \ub192\uc740 \uae08\ub9ac\ub97c \uc8fc\ub294 \uacbd\uc6b0\uac00 \ub9ce\uace0, \ud380\ub4dc \uc218\uc218\ub8cc \uc5ed\uc2dc \uc628\ub77c\uc778 \uc99d\uad8c\uc0ac\uac00 \ud6e8\uc52c \uc800\ub834\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ucc28\uc774\ub97c \uc8fc\uae30\uc801\uc73c\ub85c \uccb4\ud06c\ud558\uace0 \uac08\uc544\ud0c0\uae30\ub97c \ud558\ub294 \uac83\ub3c4 \uae08\uc804\uc801\uc73c\ub85c \ub9ce\uc740 \uc774\ub4dd\uc744 \uac00\uc838\ub2e4\uc904 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n<\/p>\n<p>\n\uc8fc\ubcc0 \uc9c0\uc778\ub4e4\uc774 \uc131\uacf5\ud55c \ud22c\uc790 \uc0ac\ub840\ub098, \uc778\ud130\ub137 \ucee4\ubba4\ub2c8\ud2f0\uc5d0\uc11c \uacf5\uc720\ub418\ub294 \u2018\ud55c \ubc29\uc5d0 \ub300\ubc15\u2019 \ub0b8 \uc774\uc57c\uae30\uc5d0 \ub108\ubb34 \ud604\ud639\ub418\uc9c0 \uc54a\ub294 \ud0dc\ub3c4\ub3c4 \uc911\uc694\ud569\ub2c8\ub2e4. \ud22c\uc790 \uc131\ud5a5\uacfc \ub9ac\uc2a4\ud06c \uac10\ub0b4\ub3c4\ub294 \uac1c\uc778\ub9c8\ub2e4 \ub2e4\ub974\uba70, \uc2dc\uc7a5 \uc0c1\ud669\uacfc \uc6b4\ub3c4 \uc791\uc6a9\ud569\ub2c8\ub2e4. \uc2e4\uc81c\ub85c \uc231\ud55c \uc2e4\ud328 \uc0ac\ub840\uac00 \ub354 \ub9ce\uc9c0\ub9cc, \uc0ac\ub78c\ub4e4\uc740 \ub300\uccb4\ub85c \uc131\uacf5 \uc0ac\ub840\ub9cc \ud06c\uac8c \ubd80\uac01\ud558\uae30 \ub9c8\ub828\uc785\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc815\ubcf4\ub294 \ud3ed\ub113\uac8c \uc218\uc9d1\ud558\ub418, \ucd5c\uc885\uc801\uc778 \ud22c\uc790 \uacb0\uc815\uc740 \ubc18\ub4dc\uc2dc \uc790\uc2e0\uc774 \uc9c1\uc811 \uacf5\ubd80\ud558\uace0 \ub530\uc838 \ubcf8 \ud6c4 \ub0b4\ub9ac\ub294 \uacfc\uc815\uc744 \uac70\uccd0\uc57c \ud569\ub2c8\ub2e4. \uc774\uac83\uc774 \uc2e4\ud328 \uac00\ub2a5\uc131\uc744 \ub0ae\ucd94\uace0, \uc124\ub839 \uc2e4\ud328\ud574\ub3c4 \uad50\ud6c8\uc744 \uc5bb\uc5b4 \ub2e4\uc74c\ubc88\uc5d0 \ub354 \ub098\uc740 \uacb0\uc815\uc744 \ud560 \uc218 \uc788\ub294 \uc790\uc591\ubd84\uc774 \ub429\ub2c8\ub2e4.\n<\/p>\n<p>\n\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uae08\uc735\uc0c1\ud488\uacfc \ud22c\uc790\uc5d0 \uc788\uc5b4 \u2018\uc0c1\ub2f4\u2019\uacfc \u2018\ub124\ud2b8\uc6cc\ud0b9\u2019\ub3c4 \ubb34\uc2dc\ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4. \uac00\uc871\u2219\uce5c\uad6c\u2219\uc120\ubc30 \uc911\uc5d0 \uae08\uc735 \uc9c0\uc2dd\uc774 \ud48d\ubd80\ud55c \uc0ac\ub78c\uc774 \uc788\ub2e4\uba74 \uc870\uc5b8\uc744 \uc54c\uc544\ubcf4\uace0, \uacf5\uc778\uc7ac\ubb34\uc124\uacc4\uc0ac(CFP)\ub098 \ud22c\uc790 \uc804\ubb38\uac00\uc640 \uc0c1\ub2f4\ud558\ub294 \uac83\ub3c4 \uace0\ub824\ud574\ubcfc \ub9cc\ud569\ub2c8\ub2e4. \ub610\ud55c \uac01\uc885 \uc7ac\ud14c\ud06c \uc138\ubbf8\ub098\ub098 \uae08\uc735\uae30\uad00 \uc8fc\ucd5c \uac15\uc5f0\uc5d0 \ucc38\uc11d\ud574\ubcf4\uba74, \ud604\uc7ac \uc2dc\uc7a5\uc758 \ud750\ub984\uc744 \uc9da\uc5b4\uc8fc\uace0 \ubbf8\ub798 \uc804\ub9dd\uc744 \uc81c\uc2dc\ud558\ub294 \uc804\ubb38\uac00\uc758 \uacac\ud574\ub97c \ub4e4\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uac19\uc740 \ubaa9\ud45c\ub97c \uac00\uc9c4 \uc0ac\ub78c\ub4e4\uacfc\uc758 \ub124\ud2b8\uc6cc\ud0b9\uc744 \ud1b5\ud574 \uc720\uc6a9\ud55c \uae08\uc735 \uc815\ubcf4\ub97c \uc5bb\uac70\ub098 \uacf5\ub3d9 \ud22c\uc790\ub97c \ubaa8\uc0c9\ud574\ubcfc \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \ubb3c\ub860 \ubaa8\ub4e0 \uc815\ubcf4\uac00 \ubcf8\uc778\uc5d0\uac8c \ub9de\ub294 \uac83\uc740 \uc544\ub2c8\ubbc0\ub85c, \ucd5c\uc885 \uc758\uc0ac\uacb0\uc815\uc740 \uc2e0\uc911\ud558\uac8c \ud574\uc57c \ud569\ub2c8\ub2e4.\n<\/p>\n<p>\n\uacb0\ub860\uc801\uc73c\ub85c, \uc0ac\ud68c \ucd08\ub144\uc0dd\uc774 \uae08\uc735\uc0c1\ud488\uc744 \ud65c\uc6a9\ud558\uace0 \ud22c\uc790\ub97c \ud574 \ub098\uac00\ub294 \uacfc\uc815\uc5d0\uc11c \uac00\uc7a5 \uc911\uc694\ud55c \uac83\uc740 \uc2dc\uac04\uacfc \ubd84\uc0b0\uc785\ub2c8\ub2e4. \uc2dc\uac04\uc744 \ub450\uace0 \uafb8\uc900\ud788, \uc5ec\ub7ec \uc790\uc0b0\uc5d0 \ubd84\uc0b0\ud574 \ub9ac\uc2a4\ud06c\ub97c \ucd5c\uc18c\ud654\ud558\uba74\uc11c \ubcf5\ub9ac\uc758 \ud798\uc744 \ub204\ub824\uc57c \ud569\ub2c8\ub2e4. \ubcc4\ub2e4\ub978 \uc7ac\uc815\uc801 \uc900\ube44 \uc5c6\uc774 \uac11\uc791\uc2a4\ub7fd\uac8c \ubd80\uc720\ud574\uc9c0\uae30\ub294 \uc5b4\ub824\uc6b8 \uc218 \uc788\uc9c0\ub9cc, \uc7a5\uae30\uc801 \uc548\ubaa9\uacfc \uafb8\uc900\ud55c \uc2e4\ucc9c\uc73c\ub85c \uc0ac\ud68c \ucd08\ub144\uc0dd \uc2dc\uc808\ubd80\ud130 \uc900\ube44\ub97c \uc798\ud55c\ub2e4\uba74 10\ub144, 20\ub144 \ub4a4\uc5d0\ub294 \uc2a4\uc2a4\ub85c\ub3c4 \ub180\ub784 \uc815\ub3c4\uc758 \uc790\uc0b0\uc744 \ud615\uc131\ud560 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4.\n<\/p>\n<h2 id=\"%eb%a7%88%eb%ac%b4%eb%a6%ac-%ec%9a%94%ec%95%bd-AtPlAgMEet\">\ub9c8\ubb34\ub9ac \uc694\uc57d<\/h2>\n<p>\n\uc9c0\uae08\uae4c\uc9c0 \uc0ac\ud68c \ucd08\ub144\uc0dd\uc744 \uc704\ud55c \uae08\uc735 \uc0c1\ud488 \ube44\uad50\ubd84\uc11d\uc744 4\uac00\uc9c0 \ud070 \ud2c0\ub85c \ub098\ub204\uc5b4 \uc2ec\ub3c4 \uc788\uac8c \uc0b4\ud3b4\ubcf4\uc558\uc2b5\ub2c8\ub2e4. \uba3c\uc800 \uae08\uc735 \uae30\ucd08 \uc9c0\uc2dd\uc758 \uc911\uc694\uc131\uc744 \uac15\uc870\ud558\uba70, \uc65c \uc7ac\uc815 \uc2b5\uad00\uc774 \uc77c\ucc0d\ubd80\ud130 \ud615\uc131\ub418\uc5b4\uc57c \ud558\ub294\uc9c0\ub97c \uc9da\uc5b4\ubcf4\uc558\uc2b5\ub2c8\ub2e4. \uc774\ud6c4 \uc608\uae08\u2219\uc801\uae08\u2219\ub300\ucd9c \uc0c1\ud488\uc758 \ud2b9\uc131\uacfc \ud65c\uc6a9 \uc804\ub7b5\uc744 \uc0b4\ud53c\uba74\uc11c, \uc2e4\uc9c8\uc801\uc778 \uae08\ub9ac\ub098 \uc6b0\ub300\uc870\uac74, \uc2e0\uc6a9\ub4f1\uae09 \uad00\ub9ac \ud301 \ub4f1\uc744 \uacf5\uc720\ud588\uc2b5\ub2c8\ub2e4. \uc774\uc5b4\uc11c\ub294 \ucd5c\uadfc \ube60\ub974\uac8c \ubcc0\ud654\ud558\ub294 \ud22c\uc790\uc2dc\uc7a5\uc758 \ud750\ub984\uc744 \uc8fc\uc2dd\u2219\ucc44\uad8c\u2219\ud380\ub4dc\u2219ETF\u2219\ubd80\ub3d9\uc0b0\u2219\uac00\uc0c1\uc790\uc0b0 \ub4f1\uc5d0 \uac78\uccd0 \ubd84\uc11d\ud558\uace0, \ubd84\uc0b0\ud22c\uc790\uc640 \uc7a5\uae30\uc801 \uc2dc\uac01\uc758 \uc911\uc694\uc131\uc744 \uc7ac\uc870\uba85\ud588\uc2b5\ub2c8\ub2e4. \ub9c8\uc9c0\ub9c9 \uc139\uc158\uc5d0\uc11c\ub294 \uc804\ubb38\uac00 \uad00\uc810\uc5d0\uc11c\uc758 \uc704\ud5d8 \uad00\ub9ac\uc640 \ud6a8\uc728\uc801\uc778 \uae08\uc735\uc0c1\ud488 \ud65c\uc6a9 \ub178\ud558\uc6b0\ub97c \uccb4\uacc4\uc801\uc73c\ub85c \ub2e4\ub8e8\uba70, \uc2e4\ucc9c \uac00\ub2a5\ud55c \ucd1d\uccb4\uc801 \uac00\uc774\ub4dc\ub97c \uc81c\uc2dc\ud588\uc2b5\ub2c8\ub2e4.\n<\/p>\n<p>\n\uacb0\uad6d \uc0ac\ud68c \ucd08\ub144\uc0dd \uc2dc\uae30\uc5d0 \uad6c\ucd95\ud55c \uc62c\ubc14\ub978 \uae08\uc735 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