{"id":11505,"date":"2026-02-18T09:15:37","date_gmt":"2026-02-18T12:15:37","guid":{"rendered":"https:\/\/hanin.org.ar\/?p=11505"},"modified":"2026-02-18T09:15:39","modified_gmt":"2026-02-18T12:15:39","slug":"%ea%b2%bd%ec%a0%9c-%ec%86%8c%ec%8b%9d-2-%ec%83%88%eb%a1%9c%ec%9a%b4-%eb%85%b8%eb%8f%99%eb%b2%95%ec%9d%b4-%ed%95%b4%ea%b2%b0%ed%95%98%eb%a0%a4%eb%8a%94-%ec%a3%bc%ec%9a%94-%eb%ac%b8%ec%a0%9c","status":"publish","type":"post","link":"https:\/\/hanin.org.ar\/?p=11505","title":{"rendered":"[\uacbd\uc81c \uc18c\uc2dd 2] \uc0c8\ub85c\uc6b4 \ub178\ub3d9\ubc95\uc774 \ud574\uacb0\ud558\ub824\ub294 \uc8fc\uc694 \ubb38\uc81c"},"content":{"rendered":"\n
\"\"<\/figure>\n\n\n\n

\uc0c8\ub85c\uc6b4 \ub178\ub3d9\ubc95\uc774 \ud574\uacb0\ud558\ub824\ub294 \uc8fc\uc694 \ubb38\uc81c<\/p>\n\n\n\n

\ub178\ub3d9\ubc95\uc758 \uc0c8\ub85c\uc6b4 \uaddc\uc815 \uccb4\uacc4\ub294 \uc218\ub144 \ub3d9\uc548 \ud2b9\ud788 \uc0b0\uc5c5 \ubd84\uc57c \uc911\uc18c\uae30\uc5c5(PYMES)\uc5d0 \uc601\ud5a5\uc744 \uc8fc\uc5c8\ub358 \uc5ec\ub7ec \uc65c\uace1\uc744 \ud574\uacb0\ud558\ub294 \uac83\uc744 \ubaa9\ud45c\ub85c \ud55c\ub2e4. \uc774\ub7ec\ud55c \uc65c\uace1\uc740 \uc0dd\uc0b0\uc131\uc744 \uc800\ud558\uc2dc\ucf30\uace0, \uc18c\uc1a1\uc744 \uc99d\uac00\uc2dc\ucf30\uc73c\uba70, \uae30\uc5c5\uac00\uac00 \uc790\uc2e0\uc758 \ud68c\uc0ac\ub97c \uc870\uc9c1\ud558\ub294 \uae30\ubcf8\uc801\uc778 \ub2a5\ub825\uc744 \uc81c\ud55c\ud574 \uc654\ub2e4. \uc544\ub798\ub294 \uc774 \ubc95\uc774 \ubc14\ub85c\uc7a1\uace0\uc790 \ud558\ub294 \uc8fc\uc694 \ubb38\uc81c\ub4e4\uc774\ub2e4.<\/p>\n\n\n\n

\uc911\uc18c\uae30\uc5c5 \ub0b4\ubd80 \uac70\ubc84\ub10c\uc2a4
\uc774 \ubc95\uc740 \uae30\uc5c5 \ub0b4\ubd80\uc5d0\uc11c\uc758 \ub178\uc870 \ud65c\ub3d9\uc5d0 \ub300\ud574 \ubcf4\ub2e4 \uba85\ud655\ud55c \uaddc\uc815\uc744 \ub3c4\uc785\ud55c\ub2e4. \ub178\uc870 \ud65c\ub3d9 \uc2dc\uac04\uc744 10\uc2dc\uac04\uc73c\ub85c \uc81c\ud55c\ud558\uace0, \ubcf4\ud638 \ubc94\uc704\ub97c \ub178\uc870 \ub300\ud45c\uc5d0\uac8c\ub9cc \ud55c\uc815\ud558\uba70, \ucd1d\ud68c \uc6b4\uc601 \ubc29\uc2dd\ub3c4 \uc815\ube44\ud55c\ub2e4.
\uc774\ub85c \uc778\ud574 \ud2b9\ud788 \uc774\ub7ec\ud55c \uc0c1\ud669\uc758 \uc601\ud5a5\uc774 \ud6e8\uc52c \ud070 \uc911\uc18c\uae30\uc5c5\uc5d0\uc11c \uc0c1\uc2dc\uc801\uc778 \uac08\ub4f1\uc774 \uc904\uc5b4\ub4e4\uace0, \uae30\uc5c5\uc758 \ucd08\uc810\uc774 \ub2e4\uc2dc \uc0dd\uc0b0\uc131\uacfc \uacbd\uc7c1\ub825\uc73c\ub85c \ub3cc\uc544\uac00\uac8c \ub41c\ub2e4.<\/p>\n\n\n\n

\ud574\uace0 \ubcf4\uc0c1\uae08\uc758 \uc608\uce21 \uac00\ub2a5\uc131
\ud574\uace0 \ubcf4\uc0c1\uae08\uc5d0 \ud3ec\ud568\ub418\ub294 \ud56d\ubaa9\uc5d0 \ub300\ud574 \uba85\ud655\ud558\uace0 \uc81c\ud55c\uc801\uc778 \uae30\uc900\uc774 \uc124\uc815\ub41c\ub2e4. \uc774\uc804\uc5d0\ub294 \uc784\uc758\uc801\uc73c\ub85c \ud3ec\ud568\ub418\ub358 \uc77c\ubd80 \uc218\ub2f9, \ud734\uac00, \uc0c1\uc5ec\uae08 \ub4f1\uc758 \ud56d\ubaa9\uc774 \uc81c\uc678\ub41c\ub2e4.
\ub610\ud55c \ubcf4\uc0c1\uae08\uc758 \uc870\uc815 \ubc29\uc2dd\uc5d0 \ub300\ud574 \uac1d\uad00\uc801\uc778 \uae30\uc900\uc774 \ub9c8\ub828\ub418\uc5b4, \uc0ac\ubc95\ubd80\uc758 \uc7ac\ub7c9\uc774\ub098 \uc608\uce21 \ubd88\uac00\ub2a5\ud55c \uae08\uc561\uc774 \ubc1c\uc0dd\ud558\ub294 \uac83\uc744 \ubc29\uc9c0\ud55c\ub2e4.
\uc774 \ubaa8\ub4e0 \uc870\uce58\ub294 \ub178\ub3d9\ube44\uc6a9\uc758 \uc608\uce21 \uac00\ub2a5\uc131\uc744 \ub192\uc774\uace0, \uc18c\uc1a1\uc73c\ub85c \uc778\ud55c \ubd88\ud655\uc2e4\uc131 \uc5c6\uc774 \uae30\uc5c5\uc774 \uacc4\ud68d\uc744 \uc138\uc6b8 \uc218 \uc788\ub3c4\ub85d \ud55c\ub2e4.<\/p>\n\n\n\n

\ud574\uace0 \uae30\uae08(FAL)
\uc608\uce21 \uac00\ub2a5\uc131\uc744 \ub192\uc774\uae30 \uc704\ud55c \ud575\uc2ec \uc218\ub2e8\uc73c\ub85c \ud574\uace0 \uae30\uae08\uc774 \ub3c4\uc785\ub41c\ub2e4. \ub17c\uc758 \uacfc\uc815\uc5d0\uc11c \uc911\uc18c\uae30\uc5c5\uc740 2.5%, \ub300\uae30\uc5c5\uc740 1%\uc758 \ubd80\ub2f4\ub960\uc744 \uc720\uc9c0\ud558\uae30\ub85c \ud569\uc758\ub418\uc5c8\uc73c\uba70, \uc774\ub294 \uae30\uc5c5\ub4e4\uc774 \uc5f0\uac04 \ubcf4\uc0c1\uae08\uc73c\ub85c \uc9c0\ucd9c\ud558\ub294 \uc218\uc900\uc744 \ub300\ub7b5 \ubc18\uc601\ud55c \uac83\uc774\ub2e4.
\uc774\ub85c\uc368 \uc911\uc18c\uae30\uc5c5\uc740 \ud574\uace0 \uc2dc \ubc1c\uc0dd\ud558\ub294 \ube44\uc6a9\uc5d0 \ub300\ube44\ud560 \uc218 \uc788\ub294 \ubcc4\ub3c4\uc758 \uae30\uae08\uc744 \uac16\uac8c \ub418\uba70, \uc774\uc804 \uc81c\ub3c4\uc5d0\uc11c\ucc98\ub7fc \uac11\uc791\uc2a4\ub7ec\uc6b4 \uc7ac\uc815 \ubd80\ub2f4\uc774 \ubc1c\uc0dd\ud558\uc9c0 \uc54a\uace0 \ubcf4\ub2e4 \ud1b5\uc81c\ub41c \ubcf4\uc0c1 \uccb4\uacc4\ub97c \uac16\uac8c \ub41c\ub2e4.<\/p>\n\n\n\n

\uc18c\uc1a1 \uac10\uc18c \ubc0f \uc0ac\ubc95 \uc2dc\uc2a4\ud15c \uc815\ube44
\uc774 \ubc95\uc740 \ud1b5\uc77c\ub41c \uc870\uc815 \uae30\uc900\uc744 \ub3c4\uc785\ud558\uace0 \uc65c\uace1\uc744 \uc81c\uac70\ud558\uba70, \ub178\ub3d9 \uc7ac\ud310 \uc808\ucc28\uc5d0\ub3c4 \ubcc0\ud654\ub97c \ub3c4\uc785\ud574 \uae30\ub2a5\uc744 \uac1c\uc120\ud55c\ub2e4.
\uadf8 \uacb0\uacfc \ubd88\ud655\uc2e4\uc131, \uacfc\ub3c4\ud55c \ubc30\uc0c1\uc561, \uc18c\uc1a1\uc744 \uc720\ub3c4\ud558\ub358 \uc778\uc13c\ud2f0\ube0c\uac00 \uc904\uc5b4\ub4e4\uac8c \ub418\uba70, \uc774\ub294 \uc774\uc804 \uc81c\ub3c4\uc758 \uc8fc\uc694 \ubb38\uc81c \uc911 \ud558\ub098\uc600\ub2e4.<\/p>\n\n\n\n

\uacf5\uc7a5 \uc810\uac70 \ubc0f \uc0dd\uc0b0 \ucc28\ub2e8\uc5d0 \ub300\ud55c \ub300\uc751 \uc218\ub2e8
\uc0ac\uc5c5\uc7a5 \ubd09\uc1c4\ub098 \uc810\uac70\ub97c \ubc29\uc9c0\ud558\uae30 \uc704\ud55c \ubc95\uc801 \uc218\ub2e8\uc774 \ub3c4\uc785\ub41c\ub2e4. \uc774\ub7ec\ud55c \uc0c1\ud669\uc740 \ud2b9\ud788 \uc7a5\uae30\uac04 \uac08\ub4f1\uc744 \uacac\ub514\uae30 \uc5b4\ub824\uc6b4 \uc18c\uaddc\ubaa8 \uae30\uc5c5\uc5d0\uc11c \uc0dd\uc0b0\uc5d0 \uc2ec\uac01\ud55c \uc601\ud5a5\uc744 \uc8fc\uc5b4 \uc654\ub2e4.<\/p>\n\n\n\n

\ub2e8\uccb4\ud611\uc57d \ucd08\uacfc\ud6a8\ub825 \uc885\ub8cc \ubc0f \ud611\uc0c1 \ucd09\uc9c4
\ub2e8\uccb4\ud611\uc57d\uc758 \ucd08\uacfc\ud6a8\ub825\uc744 \ud3d0\uc9c0\ud558\uc5ec \uc0c8\ub85c\uc6b4 \uc0dd\uc0b0 \ud658\uacbd\uc5d0 \ub9de\ub294 \ub178\ub3d9 \uc870\uac74\uc744 \uc7ac\ud611\uc0c1\ud558\ub3c4\ub85d \uc2e4\uc9c8\uc801\uc778 \ub3d9\uae30\ub97c \ubd80\uc5ec\ud55c\ub2e4.
\ud569\uc758\uac00 \uc774\ub8e8\uc5b4\uc9c0\uc9c0 \uc54a\uc744 \uacbd\uc6b0 \uae30\uc5c5 \ub2e8\uc704 \ud611\uc57d\ub3c4 \uac00\ub2a5\ud574\uc838, \uac01 \uc0b0\uc5c5 \ud604\uc2e4\uc5d0 \ub354 \ubc00\uc811\ud55c \ubcf4\ub2e4 \uc5ed\ub3d9\uc801\uc778 \ud611\uc0c1\uc774 \uac00\ub2a5\ud574\uc9c4\ub2e4.<\/p>\n\n\n\n

\uc0ac\uc6a9\uc790\uc758 \uc870\uc9c1 \uad8c\ud55c \uac15\ud654
\uc0ac\uc6a9\uc790\uac00 \uc5c5\ubb34\ub97c \uc870\uc9c1\ud558\uace0, \uc5c5\ubb34\ub97c \ubc30\uc815\ud558\uba70, \uc0dd\uc0b0 \ud544\uc694\uc5d0 \ub9de\uac8c \ud68c\uc0ac\ub97c \uad6c\uc870\ud654\ud560 \uc218 \uc788\ub294 \uad8c\ud55c\uc774 \uac15\ud654\ub41c\ub2e4.
\uc774\ub294 \uc774\uc804 \uc81c\ub3c4\uc5d0\uc11c \uaddc\uc815, \uc0ac\ubc95 \ud574\uc11d, \ub0b4\ubd80 \uac08\ub4f1 \ub4f1\uc73c\ub85c \ud06c\uac8c \uc81c\ud55c\ub418\uc5c8\ub358 \uae30\uc5c5\uac00\uc758 \uae30\ubcf8\uc801\uc778 \uad8c\ud55c\uc744 \ud68c\ubcf5\uc2dc\ud0a4\ub294 \uac83\uc774\ub2e4.<\/p>\n\n\n\n

\ud544\uc218 \uc11c\ube44\uc2a4 \ubc0f \uc5f0\uc18d \uacf5\uc815 \ud65c\ub3d9 \uaddc\uc815
\ud544\uc218 \uc11c\ube44\uc2a4\uc640 \uc5f0\uc18d \uacf5\uc815 \uc0b0\uc5c5\uc5d0 \ub300\ud55c \uaddc\uc815\uc774 \uac15\ud654\ub418\uc5b4, \uc911\ub2e8\uc774 \ubc1c\uc0dd\ud560 \uacbd\uc6b0 \ud68c\ubcf5 \ubd88\uac00\ub2a5\ud55c \uc0dd\uc0b0 \uc190\uc2e4\uc774 \uc0dd\uae30\ub294 \ubd84\uc57c\uc5d0 \ubcf4\ud638 \uc7a5\uce58\uac00 \ub9c8\ub828\ub41c\ub2e4.<\/p>\n\n\n\n

\uacb0\uadfc \ubb38\uc81c \ub300\uc751 \ubc0f \ud734\uac00\u00b7\ud734\uc9c1 \uc81c\ub3c4 \uc815\ube44
\uc99d\uba85\uc11c\uc640 \ud734\uac00 \uc0ac\uc6a9\uc744 \ubcf4\ub2e4 \ud22c\uba85\ud558\uac8c \uad00\ub9ac\ud558\ub294 \uc81c\ub3c4\uac00 \ub3c4\uc785\ub418\uc5b4 \ub0a8\uc6a9\uacfc \ubd80\ub2f9 \uacb0\uadfc\uc774 \uc904\uc5b4\ub4e4\uac8c \ub41c\ub2e4.
\ub610\ud55c \uc815\ub2f9\ud55c \uc0ac\uc720 \uc5c6\uc774 \uacb0\uadfc\ud560 \uacbd\uc6b0 \uae09\uc5ec\uac00 \uc9c0\uae09\ub418\uc9c0 \uc54a\ub3c4\ub85d \ud558\uc5ec, \ubb34\ub2e8 \uacb0\uadfc\uc5d0 \ub300\ud55c \uacbd\uc81c\uc801 \uc720\uc778\uc744 \uc81c\uac70\ud55c\ub2e4.<\/p>\n\n\n\n

\uadfc\ub85c\uc2dc\uac04 \uc740\ud589\uc81c\uc640 \uc6b4\uc601 \uc720\uc5f0\uc131
\uadfc\ub85c\uc2dc\uac04 \uc740\ud589\uc81c\ub97c \ud1b5\ud574 \uc0dd\uc0b0 \ud544\uc694\uc5d0 \ub9de\uac8c \uadfc\ub85c\uc2dc\uac04\uc744 \uc870\uc815\ud560 \uc218 \uc788\uc5b4 \ubd88\ud544\uc694\ud55c \ucd94\uac00 \ube44\uc6a9\uc744 \uc904\uc774\uace0, \uae30\uc5c5\uc774 \uc0c1\ud669\uc5d0 \ub9de\uac8c \ub300\uc751\ud560 \uc218 \uc788\ub294 \uc218\ub2e8\uc744 \uc81c\uacf5\ud55c\ub2e4.<\/p>\n\n\n\n

\ud558\ub3c4\uae09 \ucc45\uc784 \uc81c\ub3c4\uc758 \uc0c8\ub85c\uc6b4 \uccb4\uacc4
\ud558\ub3c4\uae09\uc5d0\uc11c\uc758 \uc5f0\ub300 \ucc45\uc784 \uc81c\ub3c4\uac00 \uc870\uc815\ub41c\ub2e4. \uc6d0\uccad \uae30\uc5c5\uc774 \ud558\uccad \uc5c5\uccb4\uac00 \ubaa8\ub4e0 \ub178\ub3d9 \uaddc\uc815\uc744 \uc900\uc218\ud558\ub294\uc9c0 \ud655\uc778\ud55c \uacbd\uc6b0, \uc81c3\uc790\uc758 \ubcf4\uc0c1 \ucc45\uc784\uc744 \uc9c0\uc9c0 \uc54a\uac8c \ub41c\ub2e4.
\uc774\ub294 \ud558\uccad\uc774 \uc0dd\uc0b0 \uacfc\uc815\uc758 \uad6c\uc870\uc801 \uc77c\ubd80\uc778 \uc12c\uc720 \uc0b0\uc5c5 \ub4f1 \ubd84\uc57c\uc5d0 \ubc95\uc801 \uc548\uc815\uc131\uc744 \uc81c\uacf5\ud55c\ub2e4.<\/p>\n\n\n\n

\uacf5\uc2dd \uace0\uc6a9 \ucd09\uc9c4 \ubc0f \ube44\uc784\uae08 \ube44\uc6a9 \uac10\uc18c
\uacf5\uc2dd \uace0\uc6a9\uc744 \uc7a5\ub824\ud558\ub294 \uc81c\ub3c4\uc640 \uc2e0\uaddc \ucc44\uc6a9\uc5d0 \ub300\ud55c \uc0ac\ud68c\ubcf4\uc7a5 \ubd80\ub2f4 \uacbd\uac10 \ub4f1 \ube44\uc784\uae08 \ube44\uc6a9\uc744 \ub0ae\ucd94\uae30 \uc704\ud55c \uc218\ub2e8\uc774 \ub3c4\uc785\ub41c\ub2e4.
\uc774\ub7ec\ud55c \uc870\uce58\ub294 \ud2b9\ud788 \uc911\uc18c\uae30\uc5c5\uc5d0\uc11c \uacf5\uc2dd \uace0\uc6a9 \ucc3d\ucd9c\uc744 \ucd09\uc9c4\ud558\uace0 \ube44\uacf5\uc2dd \uace0\uc6a9\uc744 \uc904\uc774\ub294 \uac83\uc744 \ubaa9\ud45c\ub85c \ud55c\ub2e4.<\/p>\n\n\n\n

\ud734\uac00 \uc81c\ub3c4
\ud734\uac00 \uc0ac\uc6a9 \uae30\uac04\uc740 10\uc6d4 1\uc77c\ubd80\ud130 \ub2e4\uc74c \ud574 4\uc6d4 30\uc77c\uae4c\uc9c0\uc774\uc9c0\ub9cc, \ud569\uc758\uc5d0 \ub530\ub77c \uadf8 \uae30\uac04 \uc678\uc5d0\ub3c4 \uc0ac\uc6a9\ud560 \uc218 \uc788\ub2e4.
\ub610\ud55c \uc0ac\uc6a9\uc790\uc640 \uadfc\ub85c\uc790\uac00 \ud569\uc758\ud560 \uacbd\uc6b0 \ud734\uac00\ub97c \ubd84\ud560 \uc0ac\uc6a9\ud560 \uc218 \uc788\uc73c\uba70, \uac01 \uad6c\uac04\uc740 \ucd5c\uc18c 7\uc77c \uc774\uc0c1\uc774\uc5b4\uc57c \ud55c\ub2e4.<\/p>\n\n\n\n

\uacb0\ub860
\uc804\uccb4\uc801\uc73c\ub85c \uc774 \ubc95\uc740 \uad6c\uc870\uc801\uc778 \ubcc0\ud654\ub97c \uc758\ubbf8\ud55c\ub2e4. \uc18c\uc1a1\uc744 \uc904\uc774\uace0, \ub178\ub3d9 \uad00\uacc4\ub97c \uc815\ube44\ud558\uba70, \uae30\uc5c5 \ub0b4\ubd80 \uac70\ubc84\ub10c\uc2a4\ub97c \uac1c\uc120\ud558\uace0, \ub178\ub3d9\ube44\uc6a9\uc758 \uc608\uce21 \uac00\ub2a5\uc131\uc744 \ud68c\ubcf5\ud558\ub294 \uac83\uc744 \ubaa9\ud45c\ub85c \ud55c\ub2e4.
\ud2b9\ud788 \uc0b0\uc5c5 \ubd84\uc57c \uc911\uc18c\uae30\uc5c5\uc774 \uc9c1\uba74\ud55c \uad6c\uccb4\uc801\uc778 \ubb38\uc81c\ub97c \ud574\uacb0\ud558\uace0, \uacf5\uc2dd \uace0\uc6a9 \ucc3d\ucd9c\uc744 \ub2e4\uc2dc \uac00\ub2a5\ud558\uac8c \ud558\uae30 \uc704\ud55c \ubc95\uc774\ub77c\uace0 \ud560 \uc218 \uc788\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"

\uc0c8\ub85c\uc6b4 \ub178\ub3d9\ubc95\uc774 \ud574\uacb0\ud558\ub824\ub294 \uc8fc\uc694 \ubb38\uc81c \ub178\ub3d9\ubc95\uc758 \uc0c8\ub85c\uc6b4 \uaddc\uc815 \uccb4\uacc4\ub294 \uc218\ub144 \ub3d9\uc548 \ud2b9\ud788 \uc0b0\uc5c5 \ubd84\uc57c \uc911\uc18c\uae30\uc5c5(PYMES)\uc5d0 \uc601\ud5a5\uc744 \uc8fc\uc5c8\ub358 \uc5ec\ub7ec \uc65c\uace1\uc744 \ud574\uacb0\ud558\ub294 \uac83\uc744 \ubaa9\ud45c\ub85c \ud55c\ub2e4. \uc774\ub7ec\ud55c \uc65c\uace1\uc740 \uc0dd\uc0b0\uc131\uc744 \uc800\ud558\uc2dc\ucf30\uace0, \uc18c\uc1a1\uc744 \uc99d\uac00\uc2dc\ucf30\uc73c\uba70, \uae30\uc5c5\uac00\uac00 \uc790\uc2e0\uc758 \ud68c\uc0ac\ub97c \uc870\uc9c1\ud558\ub294 \uae30\ubcf8\uc801\uc778 \ub2a5\ub825\uc744 \uc81c\ud55c\ud574 \uc654\ub2e4. \uc544\ub798\ub294 \uc774 \ubc95\uc774 \ubc14\ub85c\uc7a1\uace0\uc790 \ud558\ub294 \uc8fc\uc694 \ubb38\uc81c\ub4e4\uc774\ub2e4. \uc911\uc18c\uae30\uc5c5 \ub0b4\ubd80 \uac70\ubc84\ub10c\uc2a4\uc774 \ubc95\uc740 \uae30\uc5c5 \ub0b4\ubd80\uc5d0\uc11c\uc758 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