{"id":13897,"date":"2026-08-01T15:42:07","date_gmt":"2026-08-01T18:42:07","guid":{"rendered":"https:\/\/hanin.org.ar\/?p=13897"},"modified":"2026-08-01T15:42:08","modified_gmt":"2026-08-01T18:42:08","slug":"%ea%b2%bd%ec%a0%9c-%ec%86%8c%ec%8b%9d-6-%ec%95%84%eb%a5%b4%ed%97%a8%ed%8b%b0%eb%82%98-%ea%b2%bd%ec%a0%9c%ec%97%90-%eb%8b%ac%eb%9f%ac%ec%9d%98-%ec%97%ad%ed%99%9c","status":"publish","type":"post","link":"https:\/\/hanin.org.ar\/?p=13897","title":{"rendered":"[\uacbd\uc81c \uc18c\uc2dd 6] \uc544\ub974\ud5e8\ud2f0\ub098 \uacbd\uc81c\uc5d0 \ub2ec\ub7ec\uc758 \uc5ed\ud65c"},"content":{"rendered":"\n
\"\"<\/figure>\n\n\n\n

\uc544\ub974\ud5e8\ud2f0\ub098 \uacbd\uc81c\uc5d0\uc11c \ub2ec\ub7ec\uc758 \uc5ed\ud560

\uae00\uc4f4\uc774: \ub3c4\ubc0d\uace0 \uce74\ubc1c\ub85c
\uc791\uc131\uc77c: 2026\ub144 7\uc6d4 31\uc77c
\ubc00\ub808\uc774 \ub300\ud1b5\ub839\uc774 \ubc1c\ud45c\ud55c \uc911\uc559\uc740\ud589 \uc870\uc9c1\ubc95 \uac1c\uc815\uc548\uc5d0\ub294 1992\ub144\uc5d0 \uc2b9\uc778\ub41c \uc81c\ub3c4\ub97c \ub2e4\uc2dc \uc0b4\ub9ac\ub294 \ub450 \uac00\uc9c0 \uc911\uc694\ud55c \ubcc0\ud654\uac00 \ub2f4\uaca8 \uc788\ub2e4. \ub2e4\ub9cc \uacfc\uac70 \ubc95\uc5d0\ub294 \uc5c6\uc5c8\ub358 \ub9e4\uc6b0 \uc138\ubc00\ud558\uace0 \uba85\ud655\ud55c \uaddc\uc815\ub4e4\uc774 \uc0c8\ub85c \ud3ec\ud568\ub418\uc5c8\ub2e4.
\uccab\uc9f8, \ud1b5\ud654\uc815\ucc45\uc758 \uc720\uc77c\ud558\uace0 \ubc30\ud0c0\uc801\uc778 \ubaa9\ud45c\ub294 \ud398\uc18c\ud654\uc758 \uac00\uce58\ub97c \uc9c0\ud0a4\ub294 \uac83\uc774\uc5b4\uc57c \ud55c\ub2e4.
\ub458\uc9f8, \uc7ac\uc815\uc801\uc790\ub97c \ud654\ud3d0 \ubc1c\ud589\uc73c\ub85c \uc870\ub2ec\ud558\ub294 \uac83\uc744 \uae08\uc9c0\ud55c\ub2e4.
\ub610\ud55c \uc774\ub7ec\ud55c \ub450 \uac00\uc9c0 \uc6d0\uce59\uc744 \uc704\ubc18\ud558\ub3c4\ub85d \ub9cc\ub4dc\ub294 \uc815\uce58\uc801 \ud589\uc704\uc5d0 \ub300\ud574 \ud615\ubc95\uc0c1 \ucc45\uc784\uc744 \ubb3b\ub3c4\ub85d \ud55c \uac83\uc740 \ub9e4\uc6b0 \uc911\uc694\ud558\ub2e4.
\uac1c\uc815\uc548\uc740 \uc774\uc5b4\uc11c \uc774\ub978\ubc14 \u2018\uc911\uc559\uc740\ud589\uc758 \ub3c5\ub9bd\uc131\u2019\uc744 \uc815\uc758\ud558\uace0 \ubcf4\ud638\ud558\ub294 \ubb38\uc81c\ub97c \ub2e4\ub8e8\uace0 \uc788\ub2e4. \uc911\uc559\uc740\ud589\uc758 \ub3c5\ub9bd\uc131\uc740 \uc2dc\uc7a5\uacbd\uc81c\ub97c \uc6b4\uc601\ud558\ub294 \uac70\uc758 \ubaa8\ub4e0 \uad6d\uac00\uc5d0\uc11c \ud1b5\ud654\uc815\ucc45\uc744 \uc5f0\uad6c\ud558\uace0 \ubd84\uc11d\ud558\ub294 \uacbd\uc81c\ud559\uc790\ub4e4\uc774 \uacf5\ud1b5\uc801\uc73c\ub85c \uc694\uad6c\ud574 \uc628 \uc0ac\ud56d\uc774\ub2e4.
\uc774\ubc88 \uac1c\ud601\uc740 \uc62c\ubc14\ub978 \ubc29\ud5a5\uc73c\ub85c \ub098\uc544\uac00\uace0 \uc788\ub2e4. \uadf8\ub7ec\ub098 \uc815\ubd80\uac00 \ubaa9\ud45c\ub85c \ud558\ub294 \uac83\uc774 \ub300\uc120 \ub2f9\uc2dc \ub300\ud1b5\ub839\uc774 \uc57d\uc18d\ud588\ub358 \uac83\ucc98\ub7fc \ud398\uc18c\uc640 \ub2ec\ub7ec \uc0ac\uc774\uc758 \uc790\uc720\ub85c\uc6b4 \uacbd\uc7c1\uc774\ub77c\uba74, \uc774\ubc88 \uac1c\ud601\uc5d0\ub294 \ub450 \uac00\uc9c0 \ucd94\uac00 \uaddc\uc815\uc774 \ubcf4\uc644\ub418\uc5b4\uc57c \ud55c\ub2e4.
\uccab\uc9f8, \ub2ec\ub7ec\ub97c \ud398\uc18c\uc640 \ub3d9\uc77c\ud55c \uc131\uaca9\uacfc \ud6a8\ub825\uc744 \uac16\ub294 \ubc95\uc815\ud1b5\ud654\ub85c \uc120\uc5b8\ud574\uc57c \ud55c\ub2e4.
\ub458\uc9f8, \uc790\ubcf8 \uc774\ub3d9\uc5d0 \ub300\ud55c \uc81c\ud55c\uc744 \ub3c4\uc785\ud558\ub294 \uac83\uc744 \uae08\uc9c0\ud574\uc57c \ud558\uba70, \uc774 \uae08\uc9c0 \uaddc\uc815\uc744 \uc704\ubc18\ud558\ub294 \uc0ac\ub78c\uc5d0\uac8c\ub294 \uc7ac\uc815\uc801\uc790\ub97c \ud654\ud3d0 \ubc1c\ud589\uc73c\ub85c \uc870\ub2ec\ud55c \uc0ac\ub78c\uacfc \ub3d9\uc77c\ud55c \uc81c\uc7ac\ub97c \uc801\uc6a9\ud574\uc57c \ud55c\ub2e4.
\ub2ec\ub7ec\ub97c \ubc95\uc815\ud1b5\ud654\ub85c \uc778\uc815\ud558\ub294 \uaddc\uc815\uacfc \ud604\uc7ac\ubfd0 \uc544\ub2c8\ub77c \ubbf8\ub798\uc5d0\ub3c4 \uc678\ud658 \uaddc\uc81c \uc5c6\uc774 \uc790\ubcf8\uc774 \uc790\uc720\ub86d\uac8c \uc774\ub3d9\ud560 \uc218 \uc788\ub3c4\ub85d \ud558\ub294 \uaddc\uc815\uc774 \ud568\uaed8 \ub9c8\ub828\ub41c\ub2e4\uba74, \uc774\ubc88 \uac1c\ud601\uc740 \ud6a8\uacfc\uc801\uc778 \ud1b5\ud654\uacbd\uc7c1 \uc81c\ub3c4\uc758 \ubc95\uc801 \uae30\ubc18\uc774 \ub420 \uac83\uc774\ub2e4.
\ud1b5\ud654\u00b7\uc678\ud658\u00b7\uae08\uc735 \uac1c\ud601\uc744 \ub458\ub7ec\uc2fc \ub17c\uc758
1991\ub144\ubd80\ud130 2001\ub144\uae4c\uc9c0 \uc2dc\ud589\ub418\uc5c8\ub358 \ud1b5\ud654\u00b7\uc678\ud658\u00b7\uae08\uc735\uc81c\ub3c4\uc758 \uc785\ubc95\uc801 \ud2c0\uc744 \uc124\uacc4\ud55c \ud575\uc2ec \uc778\ubb3c\uc778 \uc624\ub77c\uc2dc\uc624 \ub9ac\uc5d4\ub3c4\ub294, \uc548\ud0c0\uae5d\uac8c\ub3c4 2002\ub144 \uc774\ud6c4 \ud30c\uad34\ub41c \uadf8 \uc81c\ub3c4\uc758 \uacbd\ud5d8\uc744 \ubc14\ud0d5\uc73c\ub85c \uc774\ub7ec\ud55c \uac1c\ud601\uc5d0\ub294 \uc801\uc808\ud55c \ubc95\uc801 \uae30\ubc18\uc774 \ubc18\ub4dc\uc2dc \ud544\uc694\ud558\ub2e4\ub294 \uc810\uc744 \ub098\uc5d0\uac8c \ud655\uc2e0\uc2dc\ucf30\ub2e4.
\uadf8\ub294 \ucd5c\uadfc \u300e\uc548\uc815\ub41c \ud654\ud3d0\u300f\ub77c\ub294 \uc81c\ubaa9\uc758 \ucc45\uc744 \uc9d1\ud544\ud588\ub2e4. \ub098\ub294 \uadf8 \ucc45\uc758 \uc11c\ubb38\uc744 \uc4f0\ub294 \uc601\uad11\uc744 \ub204\ub838\uc9c0\ub9cc, \uc544\uc9c1 \uc815\uc2dd\uc73c\ub85c \ucd9c\ud310\ub418\uc9c0\ub294 \uc54a\uc558\ub2e4.
1991\ub144 \ub2f9\uc2dc \uc624\ub77c\uc2dc\uc624 \ub9ac\uc5d4\ub3c4\uc758 \uc8fc\ub3c4\ub825\uacfc \uc5ed\uc0ac\uc801 \uc9c0\uc2dd, \ud5cc\ubc95\uc5d0 \ub300\ud55c \uc774\ud574\uac00 \uc5c6\uc5c8\ub2e4\uba74 \uc6b0\ub9ac\uac00 \ud0dc\ud658\uc81c\ub3c4\ub97c \uc2dc\ud589\ud560 \uc218 \uc5c6\uc5c8\ub358 \uac83\ucc98\ub7fc, \uc9c0\uae08\uc774\ub098 \ubbf8\ub798\uc5d0\ub3c4 \uadf8\uc640 \uac19\uc740 \uc9c0\uc801 \ub4b7\ubc1b\uce68 \uc5c6\uc774\ub294 \uc548\uc815\uc131\uc744 \ubcf4\uc7a5\ud558\uace0 \uacbd\uc81c\uc131\uc7a5\uc744 \uc9c0\uc18d\ud560 \uc218 \uc788\ub294 \ud1b5\ud654\u00b7\uc740\ud589\u00b7\uae08\uc735\uc81c\ub3c4\ub85c \ub098\uc544\uac00\uae30 \uc5b4\ub835\ub2e4.
\uc0c8\ub85c\uc6b4 \uc911\uc559\uc740\ud589 \uc870\uc9c1\ubc95\uc744 \ub17c\uc758\ud558\ub294 \uacfc\uc815\uc5d0\uc11c \ud589\uc815\ubd80\uc640 \uc758\ud68c\uac00 \uc624\ub77c\uc2dc\uc624 \ub9ac\uc5d4\ub3c4\uc758 \uc758\uacac\uc744 \uacbd\uccad\ud558\uace0 \uadf8\uc758 \uc81c\uc548\uc744 \uace0\ub824\ud558\uae30\ub97c \ubc14\ub780\ub2e4.
\ub3d9\uc2dc\uc5d0 \ub098\ub294 \uc624\ub77c\uc2dc\uc624 \ub9ac\uc5d4\ub3c4\uc5d0\uac8c \uadf8\uc758 \ucc45\uc744 \uc11c\ub458\ub7ec \ucd9c\ud310\ud574 \ub2ec\ub77c\uace0 \ucd09\uad6c\ud558\uace0 \uc2f6\ub2e4. \uc774 \ucc45\uc740 \ubc95\uc744 \uc81c\uc815\ud574\uc57c \ud558\ub294 \uc0ac\ub78c\ub4e4\uc5d0\uac8c\ub9cc \uc720\uc6a9\ud55c \uac83\uc774 \uc544\ub2c8\ub77c, \uc544\ub974\ud5e8\ud2f0\ub098\uc758 \uacbd\uc81c\uc81c\ub3c4\ub97c \uc774\ud574\ud558\uace0 \uc874\uc911\ud574\uc57c \ud558\ub294 \ubaa8\ub4e0 \uacbd\uc81c\u00b7\uc0ac\ud68c \uc8fc\uccb4\uc5d0\uac8c\ub3c4 \ud070 \ub3c4\uc6c0\uc774 \ub420 \uac83\uc774\ub2e4.
\ud1b5\ud654\uacbd\uc7c1\uacfc \ud0dc\ud658\uc81c\ub3c4
\ub098\ub294 \ubc00\ub808\uc774 \ub300\ud1b5\ub839\uc774 \u2018\ub2ec\ub7ec\ud654\u2019\ub97c \uc774\uc57c\uae30\ud588\uc744 \ub54c \uadf8\uac00 \uc5fc\ub450\uc5d0 \ub454 \uac1c\ub150\uc774 \ud1b5\ud654\uacbd\uc7c1\uc774\ub77c\uace0 \ud56d\uc0c1 \ud574\uc11d\ud574 \uc654\ub2e4.
\uadf8\uac00 \ud398\uc18c\ub97c \uc5c6\uc560\uace0 \ub2ec\ub7ec\ub85c \ub300\uccb4\ud558\uc790\uace0 \uc8fc\uc7a5\ud55c \uac83\uc740, \uc790\uad6d \ud1b5\ud654\ub97c \ud3ec\uae30\ud55c \uad6d\uac00\ub4e4\uc778 \ud30c\ub098\ub9c8, \uc5d8\uc0b4\ubc14\ub3c4\ub974, \uc5d0\ucf70\ub3c4\ub974\uc640 \uc720\ub85c\ud654 \uc0ac\uc6a9\uad6d\ub4e4\uc774 \uadf8\ub7ac\ub358 \uac83\ucc98\ub7fc \uc778\ud50c\ub808\uc774\uc158\uc744 \uc644\uc804\ud788 \uc81c\uac70\ud558\uaca0\ub2e4\ub294 \uc758\ubbf8\ub77c\uace0 \uc0dd\uac01\ud588\ub2e4.
\ub610\ud55c \ud64d\ucf69, \ubc1c\ud2b8 3\uad6d, \ubd88\uac00\ub9ac\uc544\ucc98\ub7fc \uc790\uad6d \ud1b5\ud654\uc758 \ubc1c\ud589\uc744 \ub9e4\uc6b0 \uc5c4\uaca9\ud55c \uaddc\uce59\uc5d0 \ubb36\uc5b4 \ub193\uc740 \uad6d\uac00\ub4e4\uc758 \uacbd\ud5d8\ub3c4 \uc5fc\ub450\uc5d0 \ub454 \uac83\uc774\ub77c\uace0 \ubcf4\uc558\ub2e4.
\uc774\uac83\uc740 \uc548\ud0c0\uae5d\uac8c\ub3c4 \ub2e8 10\ub144 \ub3d9\uc548\ub9cc \uc720\uc9c0\ub418\uc5c8\ub358 \uc544\ub974\ud5e8\ud2f0\ub098 \ud0dc\ud658\uc81c\ub3c4\uc758 \uacbd\ud5d8\uc774\uae30\ub3c4 \ud588\ub2e4.
1990\ub144\ub300 \uc544\ub974\ud5e8\ud2f0\ub098\uc758 \ud0dc\ud658\uc81c\ub3c4\ub294 \ud1b5\ud654\uacbd\uc7c1 \uc81c\ub3c4\uc600\ub2e4. \uc774\uc640 \uad00\ub828\ud574 \ucd5c\uadfc \uad6d\uc81c\ud1b5\ud654\uae30\uae08, IMF \ucd1d\uc7ac\uac00 \uc544\ub974\ud5e8\ud2f0\ub098\ub97c \ubc29\ubb38\ud588\uc744 \ub54c \uc81c\uae30\ud588\uc9c0\ub9cc \ub05d\ub0b4 \ucda9\ubd84\ud55c \ub2f5\uc744 \uc5bb\uc9c0 \ubabb\ud55c \uc9c8\ubb38\uc744 \uc0b4\ud3b4\ubcfc \ud544\uc694\uac00 \uc788\ub2e4.
\ud06c\ub9ac\uc2a4\ud0c8\ub9ac\ub098 \uac8c\uc624\ub974\uae30\uc5d0\ubc14 IMF \ucd1d\uc7ac\ub294 \ubd80\uc5d0\ub178\uc2a4\uc544\uc774\ub808\uc2a4\uc5d0\uc11c \uae30\uc5c5\uc778\ub4e4\uacfc \ub9cc\ub09c \uc790\ub9ac\uc5d0\uc11c \ub2e4\uc74c\uacfc \uac19\uc774 \uc9c8\ubb38\ud588\ub2e4.
\u201c\uc544\ub974\ud5e8\ud2f0\ub098\uc758 \ud0dc\ud658\uc81c\ub3c4\ub294 10\ub144 \ub3d9\uc548 \uc2dc\ud589\ub41c \ub4a4 \uc65c \ub05d\ub0ac\uc2b5\ub2c8\uae4c?\u201d
\uc774 \uc9c8\ubb38\uc740 \ucc38\uc11d\uc790\ub4e4\uc744 \ub2f9\ud669\ud558\uac8c \ud588\uace0, \uba85\ud655\ud55c \ub2f5\ubcc0\ub3c4 \ub098\uc624\uc9c0 \uc54a\uc558\ub2e4. \ub098\ub294 \uc774 \uc7a5\uba74\uc744 \ud1b5\ud574 IMF \ucd1d\uc7ac\uac00 \uc544\ub974\ud5e8\ud2f0\ub098\uc758 \ubbf8\ub798\uc5d0 \ub300\ud574 \uc5b4\ub5a4 \uc6b0\ub824\ub97c \uac16\uace0 \uc788\ub294\uc9c0\ub97c \uc0dd\uac01\ud558\uac8c \ub418\uc5c8\ub2e4.
\uadf8\ub798\uc11c \ub098\ub294 \uc774\ubc88 \ubcf4\uace0\uc11c\uc5d0\uc11c \ubd88\uac00\ub9ac\uc544\uc758 \uc548\uc815\ud654 \uacbd\ud5d8\uc744 \ubd84\uc11d\ud558\uae30\ub85c \ud588\ub2e4. \ubd88\uac00\ub9ac\uc544\ub294 \uac8c\uc624\ub974\uae30\uc5d0\ubc14 \ucd1d\uc7ac\uc758 \ucd9c\uc2e0\uad6d\uc774\uba70, 1997\ub144\uc5d0 \ud1b5\ud654\u00b7\uc678\ud658\u00b7\uae08\uc735 \uac1c\ud601\uc744 \uc2dc\ud589\ud588\ub2e4. \uc774 \uac1c\ud601\uc740 \uc131\uacf5\uc801\uc774\uc5c8\uc73c\uba70 \ubd88\uac00\ub9ac\uc544\uac00 \uc720\ub85c\ud654\uc5d0 \uac00\uc785\ud560 \ub54c\uae4c\uc9c0 29\ub144 \ub3d9\uc548 \uc720\uc9c0\ub418\uc5c8\ub2e4.
\uc544\ub974\ud5e8\ud2f0\ub098\ub294 \ubd88\uac00\ub9ac\uc544\uc758 \uc548\uc815\ud654 \uacbd\ud5d8\uacfc \uc5b4\ub5a4 \uad00\ub828\uc774 \uc788\ub294\uac00?
\uba3c\uc800 \uc57d\uac04\uc758 \uc5ed\uc0ac\uc801 \uc124\uba85\uc774 \ud544\uc694\ud558\ub2e4.
\uc6b0\ub9ac\uac00 1991\ub144 \ud0dc\ud658\uc81c\ub3c4\ub97c \uc2dc\ud589\ud558\uae30 \uc2dc\uc791\ud55c \uc774\ud6c4, \ub2e4\ubcf4\uc2a4 \uc5f0\ub840\ud68c\uc758\uc5d0\uc11c \uc544\ub974\ud5e8\ud2f0\ub098\uc758 \uacbd\ud5d8\uc740 \uc911\uc694\ud55c \ub17c\uc758 \ub300\uc0c1\uc774 \ub418\uc5c8\ub2e4.
\uc18c\ub828\uc73c\ub85c\ubd80\ud130 \ub9c9 \ub3c5\ub9bd\ud55c \ubc1c\ud2b8 \uad6d\uac00\ub4e4\uc740 \uc544\ub974\ud5e8\ud2f0\ub098\uc758 \uacbd\ud5d8\uc744 \ucc38\uace0\ud574 \uae08\ubcf8\uc704\uc81c \uc2dc\ub300\uc758 \uc81c\ub3c4\uc640 \uc720\uc0ac\ud55c \uc774\ub978\ubc14 \u2018\ud1b5\ud654\uc704\uc6d0\ud68c\u2019, \uc989 \ucee4\ub7f0\uc2dc\ubcf4\ub4dc \uc81c\ub3c4\ub97c \ub3c4\uc785\ud558\uae30\ub85c \uacb0\uc815\ud588\ub2e4.
\ucc98\uc74c\uc5d0 IMF\ub294 \uc774\ub7ec\ud55c \uc81c\ub3c4\ub97c \uad8c\uace0\ud558\uc9c0 \uc54a\uc558\ub2e4. \uadf8\ub7ec\ub098 \uc544\ub974\ud5e8\ud2f0\ub098\uac00 1995\ub144 \uba55\uc2dc\ucf54\ubc1c \u2018\ud14c\ud0ac\ub77c \uc704\uae30\u2019\uc758 \uc601\ud5a5\uc744 \uc131\uacf5\uc801\uc73c\ub85c \uadf9\ubcf5\ud558\uace0, \ubc1c\ud2b8 \uad6d\uac00\ub4e4\uc5d0\uc11c\ub3c4 \uc88b\uc740 \uacb0\uacfc\uac00 \ub098\ud0c0\ub098\uae30 \uc2dc\uc791\ud558\uc790 IMF\ub294 \uc77c\ubd80 \ub3d9\uc720\ub7fd \uad6d\uac00\ub4e4\uc758 \ud1b5\ud654\u00b7\uae08\uc735\uc704\uae30\uc5d0 \ub300\ud55c \ud574\uacb0\ucc45\uc73c\ub85c \uc544\ub974\ud5e8\ud2f0\ub098\uc2dd \uc81c\ub3c4\ub97c \uad8c\uace0\ud558\uae30 \uc2dc\uc791\ud588\ub2e4.
\uadf8\uc911 \ud55c \ub098\ub77c\uac00 \ubd88\uac00\ub9ac\uc544\uc600\ub2e4.
\ub2f9\uc2dc \ubd88\uac00\ub9ac\uc544 \ub2f9\uad6d\uc5d0 \uc81c\uc2dc\ub41c \uadfc\uac70\uac00 \uc544\ub974\ud5e8\ud2f0\ub098\uc5d0\uc11c \uadf8 \uc81c\ub3c4\uac00 \uc131\uacf5\uc801\uc73c\ub85c \uc6b4\uc601\ub418\uace0 \uc788\ub2e4\ub294 \uc0ac\uc2e4\uc774\uc5c8\ub2e4\ub294 \uc810\uc744 \ub098\ub294 \uc9c1\uc811 \uc54c\uace0 \uc788\ub2e4.
\ubd88\uac00\ub9ac\uc544\ub294 \ub098\uc758 \uacbd\uc81c\ubd80 \ucc28\uad00\uc774\uc5c8\ub358 \ud6c4\uc548 \uc57c\ud06c\uc5d0\uac8c \ubd88\uac00\ub9ac\uc544 \uc911\uc559\uc740\ud589 \ucd1d\uc7ac\uc9c1\uc744 \ub9e1\uc544 \ub2ec\ub77c\uace0 \uc694\uccad\ud558\uae30\ub3c4 \ud588\ub2e4.
\ud6c4\uc548 \uc57c\ud06c\ub294 \uc774\ub97c \uc218\ub77d\ud558\uc9c0 \ubabb\ud588\uc9c0\ub9cc, \uc800\uba85\ud55c \uacbd\uc81c\ud559\uc790 \uc54c\ud504\ub808\ub3c4 \uce74\ub098\ubca0\uc138\ub97c \ube44\ub86f\ud55c \uc544\ub974\ud5e8\ud2f0\ub098 \uc804\ubb38\uac00\ub4e4\uc774 \uc790\ubb38\uc5ed\uc73c\ub85c \ubd88\uac00\ub9ac\uc544\uc5d0 \uac14\ub2e4.
IMF\uac00 \ucc98\uc74c\uc5d0\ub294 \uc544\ub974\ud5e8\ud2f0\ub098\uc758 \ud0dc\ud658\uc81c\ub3c4\ub97c \uc9c0\uc9c0\ud558\uc9c0 \uc54a\uc558\uc9c0\ub9cc \ub098\uc911\uc5d0\ub294 \uc544\ub974\ud5e8\ud2f0\ub098\uc758 \uacbd\ud5d8\uc5d0 \ud070 \uad00\uc2ec\uc744 \uac16\uac8c \ub418\uc5c8\ub2e4\ub294 \uc0ac\uc2e4\ub3c4 \ub098\ub294 \uc9c1\uc811 \uc54c\uace0 \uc788\ub2e4.
1998\ub144 8\uc6d4 \ub7ec\uc2dc\uc544\uc5d0\uc11c \uc704\uae30\uac00 \ubc1c\uc0dd\ud588\uc744 \ub54c, \ubbf8\uc178 \uce89\ub4dc\uc26c IMF \ucd1d\uc7ac\ub294 \uc610\uce5c \ub300\ud1b5\ub839\uc5d0\uac8c \uc544\ub974\ud5e8\ud2f0\ub098\uac00 1990\ub144\ub300 \ucd08 \uc704\uae30\ub97c \uc5b4\ub5bb\uac8c \ud574\uacb0\ud588\ub294\uc9c0\ub97c \ucc38\uace0\ud558\ub77c\uace0 \uad8c\uace0\ud588\ub2e4.
\uadf8 \uc870\uc5b8\uc758 \uacb0\uacfc\ub85c \ub098\ub294 \ubaa8\uc2a4\ud06c\ubc14 \ubc29\ubb38 \ucd08\uccad\uc744 \ubc1b\uc558\uace0, \ub7ec\uc2dc\uc544\uc5d0\uc11c\ub3c4 \ub8e8\ube14\ud654\ub97c \uc704\ud55c \ucee4\ub7f0\uc2dc\ubcf4\ub4dc \uc81c\ub3c4\ub97c \ub3c4\uc785\ud560 \uac00\ub2a5\uc131\uc744 \uac80\ud1a0\ud558\uae30 \uc2dc\uc791\ud588\ub2e4.
\uadf8\ub7ec\ub098 \uadf8 \uac1c\ud601\uc740 \uacb0\uad6d \uc2e4\ud604\ub418\uc9c0 \ubabb\ud588\ub2e4. \uac1c\ud601\uc774 \uc610\uce5c \ub300\ud1b5\ub839\ubcf4\ub2e4 \ub354 \ud070 \uc601\ud5a5\ub825\uc744 \ud589\uc0ac\ud558\ub358 \ub7ec\uc2dc\uc544 \uc62c\ub9ac\uac00\ub974\ud788\ub4e4\uc758 \uad8c\ub825\uc744 \uc57d\ud654\uc2dc\ud0ac \uac00\ub2a5\uc131\uc774 \uc788\uc5c8\uae30 \ub54c\ubb38\uc774\ub2e4.
\ub098\ub294 \ubd88\uac00\ub9ac\uc544\uc758 \uacbd\ud5d8\uc5d0 \uad00\ud55c \uc138\ubd80 \ub0b4\uc6a9\uc744 \uc815\ud655\ud788 \uae30\uc5b5\ud558\uc9c0 \ubabb\ud588\uae30 \ub54c\ubb38\uc5d0 ChatGPT\uc5d0 \uc124\uba85\uc744 \uc694\uccad\ud588\ub2e4. \uadf8 \ub2f5\ubcc0\uc774 \uc815\ud655\ud558\ub2e4\uace0 \ud310\ub2e8\ud574 \uc774 \ubcf4\uace0\uc11c\uc758 \ubd80\ub85d\uc73c\ub85c \ucca8\ubd80\ud588\ub2e4.
\ubd80\ub85d\uc5d0\uc11c \ud655\uc778\ud560 \uc218 \uc788\ub4ef\uc774 \ubd88\uac00\ub9ac\uc544\uc758 \uacbd\ud5d8\uc740 \uc131\uacf5\uc801\uc774\uc5c8\uc9c0\ub9cc \ubaa8\ub4e0 \ubb38\uc81c\ub97c \ud574\uacb0\ud55c \uac83\uc740 \uc544\ub2c8\uc5c8\ub2e4.
\ubd88\uac00\ub9ac\uc544\ub294 \ub192\uc740 \uc778\ud50c\ub808\uc774\uc158\uc744 \uc601\uad6c\uc801\uc73c\ub85c \uc81c\uac70\ud588\uace0, \uc9c0\uc18d\uc801\uc778 \uacbd\uc81c\uc131\uc7a5\uc744 \uac00\ub2a5\ud558\uac8c \ud588\uc73c\uba70, \uc544\ub974\ud5e8\ud2f0\ub098\uac00 1995\ub144\uacfc 1999\ub144\ubd80\ud130 2001\ub144 \uc0ac\uc774 \uacaa\uc5c8\ub358 \uac83\uacfc \uc720\uc0ac\ud55c \uc678\ubd80\uc801 \uc694\uc778\uc5d0\uc11c \ube44\ub86f\ub41c 2008\u223c2009\ub144 \uc138\uacc4 \uae08\uc735\uc704\uae30\ub97c \uadf9\ubcf5\ud588\ub2e4.
\ub610\ud55c \uc720\ub85c\ud654 \ub3c4\uc785\uc744 \uc704\ud55c \uae38\uc744 \ub2e6\uc558\uc73c\uba70, \ud604\uc7ac\ub294 \uc720\ub85c\ud654 \uccb4\uc81c \uc548\uc5d0 \uc18d\ud574 \uc788\ub2e4.
\uadf8\ub7ec\ub098 \uc5ec\ub7ec \uac1c\ud601\uc73c\ub85c\ub3c4 \ud574\uacb0\ud558\uc9c0 \ubabb\ud55c \ubb38\uc81c\ub294 \ubaa8\ub4e0 \uacbd\uc81c\ud65c\ub3d9\uc778\uad6c\uc5d0\uac8c \uc77c\uc790\ub9ac\ub97c \uc81c\uacf5\ud558\ub294 \uac83\uc774\uc5c8\ub2e4.
\uc2e4\uc5c5\ub960\uc740 30%\uac00 \ub118\ub358 \uc218\uc900\uc5d0\uc11c \uc57d 3%\uae4c\uc9c0 \ub0ae\uc544\uc84c\uc9c0\ub9cc, \uc77c\uc790\ub9ac\ub97c \uc5bb\uc9c0 \ubabb\ud55c \uc0ac\ub78c\ub4e4\uc740 \uc720\ub7fd\uc758 \ub2e4\ub978 \uad6d\uac00\ub85c \uc774\uc8fc\ud588\ub2e4.
\uacbd\uc81c\ud65c\ub3d9\uc778\uad6c\uc758 \uc57d 25%\uac00 \ud574\uc678\ub85c \uc774\uc8fc\ud588\ub2e4.
\ubb3c\ub860 \uacbd\uc81c\uc548\uc815\ud654\ub97c \ud3ec\uae30\ud588\ub2e4\uace0 \ud574\uc11c \uc77c\uc790\ub9ac \ubd80\uc871 \ubb38\uc81c\uac00 \uc644\ud654\ub418\uc9c0\ub294 \uc54a\uc558\uc744 \uac83\uc774\ub2e4. \uc624\ud788\ub824 \ubb38\uc81c\uac00 \ub354\uc6b1 \uc545\ud654\ub418\uc5c8\uc744 \uac00\ub2a5\uc131\uc774 \ud06c\ub2e4.
\uc5ec\uae30\uc11c \uc5bb\uc744 \uc218 \uc788\ub294 \uad50\ud6c8\uc740 \uac70\uc2dc\uacbd\uc81c \uac1c\ud601\ubfd0 \uc544\ub2c8\ub77c \uad50\uc721, \uc9c1\uc5c5\ud6c8\ub828, \uae30\uc5c5\uac00\uc815\uc2e0 \uc7a5\ub824\uc5d0\ub3c4 \uc911\uc810\uc744 \ub450\uc5b4\uc57c \ud588\ub2e4\ub294 \uac83\uc774\ub2e4.
\uc774\ub7ec\ud55c \ubb38\uc81c\ub4e4 \uc5ed\uc2dc \uad6d\uac00\uac00 \ucc45\uc784\uc838\uc57c \ud558\ub294 \ubd84\uc57c\uc774\ub2e4.
\ubd88\uac00\ub9ac\uc544\uc758 \uacbd\ud5d8\uc5d0 \ube44\ucd94\uc5b4 \ubcfc \ub54c \uac8c\uc624\ub974\uae30\uc5d0\ubc14 \ucd1d\uc7ac\ub294 \ud604\uc7ac \uc544\ub974\ud5e8\ud2f0\ub098\uc758 \uc5b4\ub5a4 \ud604\uc2e4\uc744 \uc6b0\ub824\ud558\uace0 \uc788\uc744\uae4c?
\uac8c\uc624\ub974\uae30\uc5d0\ubc14 \ucd1d\uc7ac\ub294 \ud558\ube44\uc5d0\ub974 \ubc00\ub808\uc774 \ub300\ud1b5\ub839\uc758 \ub178\ub825\uc774 1990\ub144\ub300 \uce74\ub97c\ub85c\uc2a4 \uba54\ub134 \ub300\ud1b5\ub839\uc758 \ub178\ub825\uacfc \ub9e4\uc6b0 \uc720\uc0ac\ud558\ub2e4\ub294 \uc810\uc744 \uc778\uc2dd\ud558\uace0 \uc788\uc744 \uac83\uc774\ub2e4.
\ub2f9\uc2dc\uc640 \ub9c8\ucc2c\uac00\uc9c0\ub85c \ud604\uc7ac \uc815\ubd80\ub3c4 \uacf5\uacf5\uc9c0\ucd9c \ucd95\uc18c, \uc7ac\uc815\uc801\uc790 \uc81c\uac70, \ubb34\uc5ed\uacfc \ud22c\uc790\uc5d0 \ub300\ud55c \uacbd\uc81c \uac1c\ubc29, \uaddc\uc81c \uc644\ud654, \ubbfc\uc601\ud654, \uc65c\uace1\uc744 \ucd08\ub798\ud558\ub294 \uc138\uae08\uc758 \ucca0\ud3d0\ub97c \ucd94\uc9c4\ud558\uace0 \uc788\ub2e4.
\ucc28\uc774\uac00 \uc788\ub2e4\uba74 \uac1c\ud601\uc758 \uc18d\ub3c4\ubfd0\uc774\ub2e4. \ud2b9\ud788 \ud1b5\ud654\uac1c\ud601\uacfc \uc65c\uace1\uc801 \uc138\uae08\uc758 \ucca0\ud3d0 \uc18d\ub3c4\uc5d0\uc11c \ucc28\uc774\uac00 \ub09c\ub2e4.
\uadf8\ub7ec\ub098 \uc778\ud50c\ub808\uc774\uc158 \uce21\uba74\uc5d0\uc11c \ub098\ud0c0\ub09c \uacb0\uacfc\ub294 \ud06c\uac8c \ub2e4\ub974\uc9c0 \uc54a\ub2e4.
\uadf8\ub807\ub2e4\uba74 1990\ub144\ub300\uc758 \uacbd\uc81c\uacc4\ud68d\uc774 10\ub144 \ud6c4 \ubd95\uad34\ud588\ub358 \uc77c\uc774 \ubbf8\ub798\uc5d0 \ub2e4\uc2dc \ubc1c\uc0dd\ud558\uc9c0 \uc54a\ub3c4\ub85d \ud558\uae30 \uc704\ud574 \uc6b0\ub9ac\ub294 \uacfc\uac70\uc758 \uacbd\ud5d8\uc5d0\uc11c \ubb34\uc5c7\uc744 \ubc30\uc6cc\uc57c \ud558\ub294\uac00?
\uba3c\uc800 \ub354 \uc2dc\uae09\ud55c \uc9c8\ubb38\uc5d0 \ub2f5\ud558\uace0 \uc2f6\ub2e4.
\ud0dc\ud658\uc81c\ub3c4\uc758 \uacbd\ud5d8\uc740 \ubb3c\uac00\uc0c1\uc2b9\ub960\uc758 \ud558\ub77d\uc774 \uac15\ub825\ud55c \uacbd\uae30\ud68c\ubcf5\uc73c\ub85c \uc774\uc5b4\uc9c0\uac8c \ud558\ub824\uba74 \uc5b4\ub5bb\uac8c \ud574\uc57c \ud55c\ub2e4\uace0 \ub9d0\ud574 \uc8fc\ub294\uac00?
\ub0b4\uac00 IMF\ubfd0 \uc544\ub2c8\ub77c \uad6d\ub0b4 \ube44\ud310\uc790\ub4e4\uc5d0\uac8c\ub3c4 \uc81c\uc2dc\ud558\uace0 \uc2f6\uc740 \ub2f5\uc740 \ud1b5\ud654\uac1c\ud601\uc774 \uc7ac\uc815\uac1c\ud601\ub9cc\ud07c \uc911\uc694\ud558\ub2e4\ub294 \uac83\uc774\ub2e4.
\uc911\uc559\uc740\ud589 \uc870\uc9c1\ubc95 \uac1c\uc815\uc5d0 \uad00\ud55c \uc758\ud68c \ub17c\uc758\uac00 \uc544\ub974\ud5e8\ud2f0\ub098\uc758 \uad6d\ub0b4\uc678 \uc2e0\uc6a9\uc744 \ube60\ub974\uac8c \ud68c\ubcf5\ud560 \uc218 \uc788\ub294 \ud1b5\ud654\u00b7\uae08\uc735\u00b7\uc678\ud658\uc81c\ub3c4\ub97c \uc81c\ub3c4\ud654\ud558\ub294 \ucd9c\ubc1c\uc810\uc774 \ub418\uae30\ub97c \ubc14\ub780\ub2e4.
\uac1c\ud601\uc774 \ub2e8\uc21c\ud788 10\ub144 \ub3d9\uc548\ub9cc \uc720\uc9c0\ub418\ub294 \uac83\uc774 \uc544\ub2c8\ub77c \uc601\uad6c\uc801\uc73c\ub85c \uc9c0\uc18d\ub418\ub3c4\ub85d \ud558\ub824\uba74 \uc0ac\ud68c\uc801 \ud569\uc758\ub97c \ud615\uc131\ud558\uace0 \ud655\ub300\ud574\uc57c \ud55c\ub2e4.
\ubaa8\ub4e0 \ub2e8\uae30\uc801 \uacbd\uc81c\uc815\ucc45\uc5d0 \ub300\ud574 \ud569\uc758\ud560 \ud544\uc694\ub294 \uc5c6\ub354\ub77c\ub3c4, \uc801\uc5b4\ub3c4 \uad6d\uac00 \uacbd\uc81c\uc870\uc9c1\uc758 \uad6c\uc870\uc801 \ud2b9\uc9d5\uc5d0 \ub300\ud574\uc11c\ub294 \ud569\uc758\uac00 \ud544\uc694\ud558\ub2e4.
\uadf8 \uacbd\uc81c\uc870\uc9c1\uc740 \uc544\ub974\ud5e8\ud2f0\ub098 \ud5cc\ubc95\uc5d0 \ub2f4\uae34 \uc54c\ubca0\ub974\ub514\uc758 \uc6d0\uce59\uacfc \ubd80\ud569\ud574\uc57c \ud55c\ub2e4.
\ub610\ud55c \ub178\ub3d9\uc744 \uc704\ud55c \uad50\uc721, \ub178\ub3d9\ub825\uc758 \uc9c1\uc5c5\ud6c8\ub828, \uc9c0\uc5ed \uae30\uc5c5\uac00\uc815\uc2e0\uc758 \uc7a5\ub824\ub97c \ub9e4\uc6b0 \uc911\uc694\ud558\uac8c \ub2e4\ub8e8\uc5b4\uc57c \ud55c\ub2e4.
\uc774\ub7ec\ud55c \ubb38\uc81c\ub4e4\uc740 \uc2dc\uc7a5\ub9cc\uc73c\ub85c \uc790\ub3d9\uc801\uc73c\ub85c \ud574\uacb0\ub418\uc9c0 \uc54a\ub294\ub2e4.
\ubd80\ub85d: 1997\ub144 \ubd88\uac00\ub9ac\uc544 \ud1b5\ud654\uac1c\ud601\u2014\ucd08\uc778\ud50c\ub808\uc774\uc158\uc5d0\uc11c \uc720\ub85c\ud654 \ub3c4\uc785\uae4c\uc9c0
\ubd88\uac00\ub9ac\uc544\ub294 \uae08\uc735\uc704\uae30\uc640 \ucd08\uc778\ud50c\ub808\uc774\uc158\uc744 \uacaa\uc740 \ub4a4 \ub3d9\uc720\ub7fd\uc5d0\uc11c \uac00\uc7a5 \uc131\uacf5\uc801\uc778 \ud1b5\ud654\uac1c\ud601 \uac00\uc6b4\ub370 \ud558\ub098\ub97c \uc2dc\ud589\ud588\ub2e4.
\ubd88\uac00\ub9ac\uc544\uc758 \uacbd\ud5d8\uc740 \uc544\ub974\ud5e8\ud2f0\ub098\uc758 \ud1b5\ud654\uc81c\ub3c4 \ub17c\uc758\uc5d0 \ub9e4\uc6b0 \uad6c\uccb4\uc801\uc778 \uc2dc\uc0ac\uc810\uc744 \uc81c\uacf5\ud55c\ub2e4.
\uc790\uad6d \ud1b5\ud654\uc5d0 \ub300\ud55c \uc2e0\ub8b0\uac00 \ubb34\ub108\uc9c4 \uad6d\uac00\ub77c\ub3c4 \uc7ac\ub7c9\uc801 \uc815\ucc45\uc744 \uac80\uc99d \uac00\ub2a5\ud55c \uaddc\uce59\uc73c\ub85c \ub300\uccb4\ud558\uace0, \uc7ac\uc815\u00b7\uc740\ud589\u00b7\uc81c\ub3c4 \uac1c\ud601\uc73c\ub85c \uadf8 \uaddc\uce59\uc744 \ub4b7\ubc1b\uce68\ud55c\ub2e4\uba74 \uc2e0\ub8b0\ub97c \ud68c\ubcf5\ud560 \uc218 \uc788\ub2e4\ub294 \uc0ac\uc2e4\uc744 \ubcf4\uc5ec \uc900\ub2e4.
\ub610\ud55c \ud0dc\ud658\uc81c\ub3c4\uac00 \ubc18\ub4dc\uc2dc \uacbd\uae30\uce68\uccb4, \uc2e4\uc5c5 \ub610\ub294 \ud3c9\uac00\uc808\ud558\ub85c \ub05d\ub098\ub294 \uac83\uc740 \uc544\ub2c8\ub77c\ub294 \uc810\ub3c4 \ubcf4\uc5ec \uc900\ub2e4.
\uadf8\ub7ec\ub098 \ubd88\uac00\ub9ac\uc544\uc758 \uacbd\ud5d8\uc744 \uc9c0\ub098\uce58\uac8c \ub2e8\uc21c\ud654\ud574\uc11c\ub294 \uc548 \ub41c\ub2e4.
\ucee4\ub7f0\uc2dc\ubcf4\ub4dc \uc81c\ub3c4\ub294 \ub9c8\ubc95\uacfc \uac19\uc740 \ud574\ubc95\uc774 \uc544\ub2c8\uc5c8\uc73c\uba70, \uc774\ud6c4 \uacbd\uc81c\uc131\uc7a5\uc744 \uc124\uba85\ud558\ub294 \uc720\uc77c\ud55c \uc694\uc778\ub3c4 \uc544\ub2c8\uc5c8\ub2e4.
\uadf8 \uc81c\ub3c4\uac00 \uc9c0\uc18d\ub420 \uc218 \uc788\uc5c8\ub358 \uac83\uc740 \uc7ac\uc815\uaddc\uc728, \uc740\ud589\uc81c\ub3c4\uc758 \uc815\uc0c1\ud654, \uac1c\ud601\uc758 \uc5f0\uc18d\uc131, \uadf8\ub9ac\uace0 \uc11c\ub85c \ub2e4\ub978 \uc815\uce58\uc131\ud5a5\uc744 \uac00\uc9c4 \uc815\ubd80\ub4e4\uc774 \uacf5\uc720\ud55c \ud558\ub098\uc758 \uc815\uce58\uc801 \ubaa9\ud45c \ub355\ubd84\uc774\uc5c8\ub2e4.
\uadf8 \ubaa9\ud45c\ub294 \ubd88\uac00\ub9ac\uc544\uc758 \uc720\ub7fd\uc5f0\ud569 \uac00\uc785\uacfc \uad81\uadf9\uc801\uc778 \uc720\ub85c\ud654 \ub3c4\uc785\uc774\uc5c8\ub2e4.
\uc774 \uc810\uc774 \ubd88\uac00\ub9ac\uc544 \uc0ac\ub840\uc5d0\uc11c \uc9c4\uc815\uc73c\ub85c \ub3c5\ud2b9\ud55c \ud2b9\uc9d5\uc774\ub2e4.
1997\ub144\uc5d0 \uc2b9\uc778\ub41c \uac1c\ud601\uc740 \uc77c\uc2dc\uc801\uc778 \ud574\uacb0\ucc45\uc73c\ub85c \ub9cc\ub4e4\uc5b4\uc9c4 \uac83\uc774 \uc544\ub2c8\uc5c8\ub2e4.
\uc774 \uac1c\ud601\uc740 \uc0c8\ub85c\uc6b4 \ud1b5\ud654\uc9c8\uc11c\uc758 \uae30\ucd08\uac00 \ub418\uc5c8\uc73c\uba70, 29\ub144 \ud6c4 \ubd88\uac00\ub9ac\uc544\uac00 \uc720\ub7fd \ud1b5\ud654\ub3d9\ub9f9\uc5d0 \uac00\uc785\ud558\uba74\uc11c \ub354 \uc774\uc0c1 \ud544\uc694\ud558\uc9c0 \uc54a\uac8c \ub420 \ub54c\uae4c\uc9c0 \uc720\uc9c0\ub418\uc5c8\ub2e4.
\uac1c\ud601\uc744 \uac00\ub2a5\ud558\uac8c \ud55c \uc704\uae30
1996\u223c1997\ub144\uc758 \uc704\uae30\ub294 \uacf5\uc0b0\uc8fc\uc758 \uccb4\uc81c\uc5d0\uc11c \uc2dc\uc7a5\uacbd\uc81c\ub85c \uc804\ud658\ud558\ub294 \uacfc\uc815\uc774 \uc2e4\ud328\ud55c \uacb0\uacfc\uc600\ub2e4.
\uc218\ub9ce\uc740 \uad6d\uc601\uae30\uc5c5\uc774 \uacc4\uc18d \uc801\uc790\ub97c \ub0b4\uace0 \uc788\uc5c8\uace0, \uc0c1\ub2f9\uc218 \uad6d\uc601\uc740\ud589\uc774 \uc774\ub4e4 \uae30\uc5c5\uc744 \uc9c0\uc6d0\ud558\uace0 \uc788\uc5c8\ub2e4.
\uc804\uccb4 \ub300\ucd9c\uc758 60% \uc774\uc0c1\uc774 \uc0c1\ud658\ub418\uc9c0 \uc54a\ub294 \uc0c1\ud0dc\uc600\ub2e4.
\uc740\ud589\ub4e4\uc740 \uc9c0\uae09\ubd88\ub2a5 \uc0c1\ud0dc\uc758 \uae30\uc5c5\ub4e4\uc5d0 \uacc4\uc18d \ub300\ucd9c\uc744 \uac31\uc2e0\ud574 \uc8fc\uc5c8\uace0, \ubd88\uac00\ub9ac\uc544 \uc911\uc559\uc740\ud589\uc740 \ub2e4\uc2dc \uadf8 \uc740\ud589\ub4e4\uc5d0 \uc790\uae08\uc744 \uacf5\uae09\ud588\ub2e4.
\uadf8 \uacb0\uacfc \uc2ec\uac01\ud55c \ub3c4\ub355\uc801 \ud574\uc774\uac00 \ubc1c\uc0dd\ud588\ub2e4.
\uae30\uc5c5\uc758 \uc190\uc2e4\uc740 \uc740\ud589\uc758 \uc190\uc2e4\ub85c \uc804\ud658\ub410\uace0, \uc740\ud589\uc758 \uc190\uc2e4\uc740 \uc911\uc559\uc740\ud589\uc758 \ub300\ucc28\ub300\uc870\ud45c\ub85c \uc774\uc804\ub410\ub2e4.
\uc911\uc559\uc740\ud589\uc740 \uae08\uc735\uc2dc\uc2a4\ud15c\uc758 \ubd95\uad34\ub97c \ub9c9\uae30 \uc704\ud574 \ud654\ud3d0\ub97c \ubc1c\ud589\ud588\ub2e4.
\uc7ac\uc815\uaddc\uc728\uc758 \ubd95\uad34, \uc740\ud589\uaddc\uc728\uc758 \ubd95\uad34, \ud1b5\ud654\uaddc\uc728\uc758 \ubd95\uad34\ub294 \uc0ac\uc2e4\uc0c1 \ub3d9\uc77c\ud55c \ubb38\uc81c\uc758 \uc11c\ub85c \ub2e4\ub978 \ubaa8\uc2b5\uc774\uc5c8\ub2e4.
1996\ub144 \ubd88\uac00\ub9ac\uc544\uc758 \uad6d\ub0b4\ucd1d\uc0dd\uc0b0\uc740 10.9% \uac10\uc18c\ud588\uace0, 12\uac1c\uc6d4 \ub204\uc801 \uc778\ud50c\ub808\uc774\uc158\uc740 300%\ub97c \ub118\uc5b4\uc130\ub2e4.
\uacf5\uacf5\ubd80\ucc44\ub294 \uad6d\ub0b4\ucd1d\uc0dd\uc0b0\uc758 120% \uc774\uc0c1\uc5d0 \ub2ec\ud588\ub2e4.
\uc678\ud658\ubcf4\uc720\uc561\uc774 \uace0\uac08\ub418\uba74\uc11c \ubd88\uac00\ub9ac\uc544\ub294 \ud55c \ub2ec\uce58 \uc218\uc785\ub300\uae08\ub3c4 \uac10\ub2f9\ud560 \uc218 \uc5c6\ub294 \uc0c1\ud669\uc5d0 \ub193\uc600\ub2e4.
1997\ub144 \ucd08\uc5d0\ub294 \uc704\uae30\uac00 \ucd08\uc778\ud50c\ub808\uc774\uc158\uc73c\ub85c \ubc1c\uc804\ud588\ub2e4.
3\uc6d4\uc5d0\ub294 \ubb3c\uac00\uc0c1\uc2b9\ub960\uc744 \uc5f0\uc728\ub85c \ud658\uc0b0\ud55c \uc218\uce58\uac00 2,000%\ub97c \ub118\uc5b4\uc130\ub2e4.
\uc790\uad6d \ud1b5\ud654\ub85c \ud45c\uc2dc\ub41c \uc784\uae08, \uc5f0\uae08, \uc800\ucd95\uc758 \uac00\uce58\ub294 \uc0ac\uc2e4\uc0c1 \uc644\uc804\ud788 \ud30c\uad34\ub410\ub2e4.
\uc774\ub7ec\ud55c \uc0c1\ud669\uc5d0\uc11c \uc9d1\uad8c\ud55c \uc774\ubc18 \ucf54\uc2a4\ud1a0\ud504 \uc815\ubd80\ub294 \ub610 \ud558\ub098\uc758 \uc7ac\uc815\uacc4\ud68d\uc774\ub098 \uc0c8\ub85c\uc6b4 \ud1b5\ud654\uae34\ucd95 \uc57d\uc18d\ub9cc\uc73c\ub85c\ub294 \ucda9\ubd84\ud558\uc9c0 \uc54a\ub2e4\uace0 \ud310\ub2e8\ud588\ub2e4.
\ubd88\uac00\ub9ac\uc544 \uc911\uc559\uc740\ud589\uc740 \uc774\ubbf8 \uc2e0\ub8b0\ub97c \uc644\uc804\ud788 \uc783\uc5c8\ub2e4.
\uc815\ubd80\uc5d0 \uc790\uae08\uc744 \uacf5\uae09\ud558\uace0 \uc9c0\uae09\ubd88\ub2a5 \uc740\ud589\ub4e4\uc744 \uc9c0\uc6d0\ud558\ub294 \ub370 \uc0ac\uc6a9\ud574 \uc628 \uc911\uc559\uc740\ud589\uc758 \uad8c\ud55c\uc744 \ubc15\ud0c8\ud574\uc57c \ud588\ub2e4.
\uc774\uc5d0 \ub300\ud55c \ud574\ubc95\uc73c\ub85c \ucee4\ub7f0\uc2dc\ubcf4\ub4dc, \uc989 \ud1b5\ud654\uc704\uc6d0\ud68c \uc81c\ub3c4\ub97c \ub3c4\uc785\ud588\uc73c\uba70, \uc774 \uc81c\ub3c4\ub294 1997\ub144 7\uc6d4 1\uc77c\ubd80\ud130 \uc2dc\ud589\ub410\ub2e4.
\ud658\uc728\uc5d0 \ub300\ud55c \uc57d\uc18d\uc774 \uc544\ub2c8\ub77c \ud1b5\ud654\ubc1c\ud589 \uaddc\uce59
\uc0c8 \uc81c\ub3c4\ub294 \ud658\uc728\uc744 \ub3c5\uc77c \ub9c8\ub974\ud06c 1\ub9c8\ub974\ud06c\ub2f9 \uad6c \ub808\ud504\ud654 1,000\ub808\ud504\ub85c \uace0\uc815\ud588\ub2e4.
\uadf8\ub7ec\ub098 \uac1c\ud601\uc758 \ud575\uc2ec\uc740 \ud2b9\uc815 \ud658\uc728\uc744 \uc120\ud0dd\ud55c \ub370 \uc788\uc9c0 \uc54a\uc558\ub2e4.
\uacb0\uc815\uc801\uc778 \ubcc0\ud654\ub294 \ubd88\uac00\ub9ac\uc544 \uc911\uc559\uc740\ud589\uc758 \ub300\ucc28\ub300\uc870\ud45c\uc640 \uad8c\ud55c\uc744 \uadfc\ubcf8\uc801\uc73c\ub85c \uc7ac\ud3b8\ud55c \uac83\uc774\uc5c8\ub2e4.
\ubd88\uac00\ub9ac\uc544 \uc911\uc559\uc740\ud589\uc740 \uc138 \uac1c \ubd80\ubb38\uc73c\ub85c \ub098\ub258\uc5c8\ub2e4.
\ubc1c\ud589\ubd80, \uc740\ud589\ubd80, \uc740\ud589\uac10\ub3c5\ubd80\uc600\ub2e4.
\ubc1c\ud589\ubd80\ub294 \ubaa8\ub4e0 \ub300\uc678\uc790\uc0b0\uc744 \ubcf4\uc720\ud558\uba70, \ud1b5\ud654\ubd80\ucc44 \uc804\uc561\uc744 \ucda9\ub2f9\ud560 \uc218 \uc788\uc744 \ub9cc\ud07c \ucda9\ubd84\ud55c \uc678\ud658\ubcf4\uc720\uc561\uc744 \uc720\uc9c0\ud574\uc57c \ud588\ub2e4.
\ubcf4\uc7a5 \ub300\uc0c1\uc5d0\ub294 \uc2dc\uc911\uc5d0 \uc720\ud1b5\ub418\ub294 \ud654\ud3d0, \uc0c1\uc5c5\uc740\ud589\uc758 \uc9c0\uae09\uc900\ube44\uae08, \uc815\ubd80 \uc608\uae08\uc774 \ud3ec\ud568\ub410\ub2e4.
\ud654\ud3d0 \ubc1c\ud589\uc740 \ub354 \uc774\uc0c1 \uacbd\uc81c\uc815\ucc45\uc5d0 \ub530\ub978 \uc7ac\ub7c9\uc801 \uacb0\uc815\uc774 \uc544\ub2c8\uc5c8\ub2e4.
\ubd88\uac00\ub9ac\uc544 \uc911\uc559\uc740\ud589\uc740 \uc678\ud658\ubcf4\uc720\uc561\uc744 \ucde8\ub4dd\ud558\ub294 \uacbd\uc6b0\uc5d0\ub9cc \ub808\ud504\ud654\ub97c \ubc1c\ud589\ud560 \uc218 \uc788\uc5c8\ub2e4.
\uc678\ud654\uac00 \uc720\uc785\ub418\uace0 \uc790\uad6d \ud1b5\ud654\uc5d0 \ub300\ud55c \uc218\uc694\uac00 \ub298\uc5b4\ub098\uba74 \ubcf8\uc6d0\ud1b5\ud654\uac00 \ud655\ub300\ub420 \uc218 \uc788\uc5c8\ub2e4.
\uc678\ud658\ubcf4\uc720\uc561\uc774 \ube60\uc838\ub098\uac00\uba74 \ubcf8\uc6d0\ud1b5\ud654\ub3c4 \uc790\ub3d9\uc801\uc73c\ub85c \ucd95\uc18c\ub3fc\uc57c \ud588\ub2e4.
\uc774 \uacfc\uc815\uc740 \uc790\ub3d9\uc801\uc73c\ub85c \uc791\ub3d9\ud588\uc73c\uba70 \ubc1c\ud589\ubd80\uc758 \uc8fc\uac04 \ub300\ucc28\ub300\uc870\ud45c\ub97c \ud1b5\ud574 \ub204\uad6c\ub098 \ud655\uc778\ud560 \uc218 \uc788\uc5c8\ub2e4.
\ubc95\ub960\uc740 \uc911\uc559\uc740\ud589\uc774 \uc815\ubd80\uc5d0 \uc790\uae08\uc744 \uacf5\uae09\ud558\ub294 \uac83\uc744 \uae08\uc9c0\ud588\ub2e4.
\ub610\ud55c \uacf5\uacf5\uc9c0\ucd9c\uc744 \ub4b7\ubc1b\uce68\ud558\uae30 \uc704\ud574 \uad6d\ucc44\ub97c \ub9e4\uc785\ud558\uac70\ub098 \uc9c0\uae09\ubd88\ub2a5 \uae08\uc735\uae30\uad00\uc744 \uad6c\uc81c\ud558\uae30 \uc704\ud574 \ud654\ud3d0\ub97c \ubc1c\ud589\ud558\ub294 \uac83\ub3c4 \uae08\uc9c0\ud588\ub2e4.
\uc720\ub3d9\uc131 \uc9c0\uc6d0\uc740 \uae08\uc735\uc2dc\uc2a4\ud15c \uc804\uccb4\uc5d0 \uc704\ud5d8\uc774 \ubc1c\uc0dd\ud558\ub294 \uc608\uc678\uc801\uc778 \uc0c1\ud669\uc5d0\uc11c\ub9cc \uac00\ub2a5\ud588\ub2e4.
\uadf8 \uacbd\uc6b0\uc5d0\ub3c4 \uc9c0\uae09\ub2a5\ub825\uc774 \uc788\ub294 \uc740\ud589\uc5d0\ub9cc \uc9c0\uc6d0\ud560 \uc218 \uc788\uc5c8\uc73c\uba70, \uc740\ud589\ubd80\uc758 \uc789\uc5ec\uc7ac\uc6d0\ub9cc\uc744 \uc0ac\uc6a9\ud560 \uc218 \uc788\uc5c8\ub2e4.
\ubd88\uac00\ub9ac\uc544\uc758 \uc81c\ub3c4\ub294 \uc644\uc804\ud788 \uc815\ud1b5\uc801\uc778 \ud615\ud0dc\uc758 \ucee4\ub7f0\uc2dc\ubcf4\ub4dc\ub294 \uc544\ub2c8\uc5c8\ub2e4.
\uc911\uc559\uc740\ud589\uc740 \uc740\ud589\uac10\ub3c5 \uae30\ub2a5\uc744 \uacc4\uc18d \uc720\uc9c0\ud588\uace0, \uc9c0\uae09\uc900\ube44\uc728\uc744 \ubd80\uacfc\ud588\uc73c\uba70, \uc81c\ud55c\uc801\uc778 \ubc94\uc704\uc5d0\uc11c \ucd5c\uc885\ub300\ubd80\uc790 \uc5ed\ud560\uc744 \uc218\ud589\ud560 \uc218 \uc788\uc5c8\ub2e4.
\uc774\ub7ec\ud55c \uc720\uc5f0\uc131\uc740 \uc740\ud589\uc704\uae30 \uc9c1\ud6c4\uc5d0 \uac1c\ud601\uc774 \uc2dc\ud589\ub410\uae30 \ub54c\ubb38\uc5d0 \uc758\ub3c4\uc801\uc73c\ub85c \ud3ec\ud568\ub410\ub2e4.
\uadf8\ub7ec\ub098 \uc774\ub7ec\ud55c \uc608\uc678 \uaddc\uc815\ub3c4 \ud575\uc2ec \uc6d0\uce59\uc744 \ud6fc\uc190\ud558\uc9c0\ub294 \uc54a\uc558\ub2e4.
\ubd88\uac00\ub9ac\uc544 \uc911\uc559\uc740\ud589\uc740 \ud654\ud3d0 \ubc1c\ud589\uc744 \ud1b5\ud574 \uc7ac\uc815\uc801\uc790\ub098 \ubbfc\uac04 \ubd80\ubb38\uc758 \uc190\uc2e4\uc744 \ubcf4\uc804\ud560 \uc218 \uc5c6\uc5c8\ub2e4.
\ucee4\ub7f0\uc2dc\ubcf4\ub4dc \uc81c\ub3c4\uc640 \uc77c\ubc18\uc801\uc778 \uace0\uc815\ud658\uc728\uc81c\ub3c4\uc758 \ucc28\uc774\ub294 \ub9e4\uc6b0 \uc911\uc694\ud558\ub2e4.
\uc815\ubd80\ub294 \uc77c\uc815\ud55c \ud658\uc728\uc744 \ubc1c\ud45c\ud55c \ub4a4 \uc678\ud658\ubcf4\uc720\uc561\uc774 \ubd80\uc871\ud574\uc9c0\uac70\ub098 \uc815\ucc45\uc758 \uc6b0\uc120\uc21c\uc704\uac00 \ubcc0\ud558\uba74 \uadf8 \ud658\uc728\uc744 \ud3ec\uae30\ud560 \uc218 \uc788\ub2e4.
\ubc18\uba74 \ucee4\ub7f0\uc2dc\ubcf4\ub4dc \uc81c\ub3c4\uc5d0\uc11c\ub294 \ud658\uc728, \uc678\ud658\ubcf4\uc720\uc561\uc5d0 \uc758\ud55c \ud1b5\ud654 \ubcf4\uc7a5, \ud654\ud3d0\ubc1c\ud589 \uc81c\ud55c\uc774 \ud558\ub098\uc758 \ud1b5\ud569\ub41c \ubc95\uc801 \uad6c\uc870\ub97c \uc774\ub8ec\ub2e4.
\uadf8 \ubaa9\uc801\uc740 \uc815\ud574\uc9c4 \uaddc\uce59\uc744 \ubcc0\uacbd\ud560 \ub54c \ubc1c\uc0dd\ud558\ub294 \uc815\uce58\uc801\u00b7\uc81c\ub3c4\uc801 \ube44\uc6a9\uc744 \ub192\uc774\ub294 \uac83\uc774\ub2e4.
\ucee4\ub7f0\uc2dc\ubcf4\ub4dc\ub9cc\uc73c\ub85c \uc131\uacf5\ud55c \uac83\uc740 \uc544\ub2c8\ub2e4
\ud1b5\ud654\uac1c\ud601\uc740 \ub9e4\uc6b0 \uac15\ub825\ud55c \uc7ac\uc815\u00b7\uc740\ud589 \uac1c\ud601\uacfc \ud568\uaed8 \uc2dc\ud589\ub410\ub2e4.
\ubd88\uac00\ub9ac\uc544 \ub2f9\uad6d\uc740 \uc874\uc18d\uc774 \ubd88\uac00\ub2a5\ud55c \uc740\ud589\ub4e4\uc744 \ud3d0\uc1c4\ud558\uace0 \uac74\uc804\uc131 \uaddc\uc81c\ub97c \uac15\ud654\ud588\uc73c\uba70, \uad6d\uc720\uc740\ud589\uc758 \ubbfc\uc601\ud654\ub97c \ucd94\uc9c4\ud588\ub2e4.
\ubd88\uac00\ub9ac\uc544\uac00 \uc720\ub7fd\uc5f0\ud569\uc5d0 \uac00\uc785\ud560 \ubb34\ub835\uc5d0\ub294 \ubaa8\ub4e0 \uc740\ud589\uc774 \ubbfc\uc601\ud654\ub3fc \uc788\uc5c8\ub2e4.
\uad6d\uc601\uae30\uc5c5 \ubbfc\uc601\ud654\ub3c4 \uac00\uc18d\ud588\uace0, \uc9c0\uae09\ubd88\ub2a5 \uc0c1\ud0dc\uc758 \uacbd\uc81c\ud65c\ub3d9\uc744 \uc720\uc9c0\ud558\uae30 \uc704\ud55c \ubcf4\uc870\uae08\uc744 \ud3d0\uc9c0\ud588\uc73c\uba70, \ubb34\uc5ed\uacfc \uc678\uad6d\uc778 \ud22c\uc790\uc5d0 \uacbd\uc81c\ub97c \uac1c\ubc29\ud588\ub2e4.
IMF\uc758 \uc9c0\uc6d0\uc740 \uc678\ud658\ubcf4\uc720\uc561\uc744 \ud68c\ubcf5\ud558\uace0 \uc81c\ub3c4 \uc804\ud658\uc744 \uad00\ub9ac\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub410\ub2e4.
\uadf8\ub7ec\ub098 \uc131\uacf5\uc774 \ub2e8\uc21c\ud788 \uc678\ubd80 \uc790\uae08 \uc9c0\uc6d0\uc5d0\uc11c \ube44\ub86f\ub41c \uac83\uc740 \uc544\ub2c8\uc5c8\ub2e4.
\uc131\uacf5\uc758 \ud575\uc2ec\uc740 \uc7ac\uc815\u00b7\uae30\uc5c5\u00b7\uc740\ud589 \ubd80\ubb38\uc758 \uc190\uc2e4\uc774 \ucd5c\uc885\uc801\uc73c\ub85c \ud654\ud3d0 \ubc1c\ud589\uc73c\ub85c \uc804\ud658\ub418\ub294 \ud1b5\ub85c\ub97c \ucc28\ub2e8\ud55c \uac83\uc774\uc5c8\ub2e4.
1999\ub144 7\uc6d4 5\uc77c \ubd88\uac00\ub9ac\uc544\ub294 \ud654\ud3d0\uc5d0\uc11c 0 \uc138 \uac1c\ub97c \uc81c\uac70\ud588\ub2e4.
\uc2e0 1\ub808\ud504 = \uad6c 1,000\ub808\ud504
\ud654\ud3d0\ub2e8\uc704 \ubcc0\uacbd\uc740 \ub450 \ubc88\uc9f8 \ud1b5\ud654\uac1c\ud601\uc774 \uc544\ub2c8\uc5c8\ub2e4.
\uc774\ubbf8 \uc548\uc815\uc774 \ud68c\ubcf5\ub41c \ub4a4 \ud68c\uacc4 \ucc98\ub9ac\ub97c \ub2e8\uc21c\ud558\uac8c \ud558\uae30 \uc704\ud574 \uc2dc\ud589\ud55c \uc870\uce58\uc600\ub2e4.
\uad6c 1,000\ub808\ud504\uac00 \ub3c5\uc77c \ub9c8\ub974\ud06c 1\ub9c8\ub974\ud06c\uc640 \uac19\uc558\uae30 \ub54c\ubb38\uc5d0 \ud654\ud3d0\ub2e8\uc704 \ubcc0\uacbd \uc774\ud6c4\uc5d0\ub294 \uc2e0 1\ub808\ud504\uac00 \ub3c5\uc77c \ub9c8\ub974\ud06c 1\ub9c8\ub974\ud06c\uc640 \uac19\uc544\uc84c\ub2e4.
\ub3c5\uc77c \ub9c8\ub974\ud06c\uac00 \uc720\ub85c\ud654\ub85c \ub300\uccb4\ub418\uba74\uc11c \ud658\uc728\uc740 \ub2e4\uc74c\uacfc \uac19\uc774 \uc815\ud574\uc84c\ub2e4.
1\uc720\ub85c = 1.95583\ub808\ud504
\uc774 \ud658\uc728\uc740 2026\ub144 \uc720\ub85c\ud654 \ub3c4\uc785 \ub54c\uae4c\uc9c0 \ubcc0\uacbd\ub418\uc9c0 \uc54a\uc558\ub2e4.
\uacbd\uc81c\uc548\uc815\uc5d0\uc11c \uacbd\uc81c\uc131\uc7a5\uc73c\ub85c
\ucd08\uae30 \ubc18\uc751\uc740 \ub180\ub77c\uc6b8 \uc815\ub3c4\ub85c \ube68\ub790\ub2e4.
1998\ub144 \ud3c9\uade0 \uc778\ud50c\ub808\uc774\uc158\uc740 22%\ub85c \ub0ae\uc544\uc84c\uace0, 12\uac1c\uc6d4 \ub204\uc801 \uc778\ud50c\ub808\uc774\uc158\uc740 \uc5f0\ub9d0 \uae30\uc900 \uc57d 1%\uae4c\uc9c0 \ub5a8\uc5b4\uc84c\ub2e4.
\uae08\ub9ac\uac00 \ud558\ub77d\ud588\uace0, \uc678\ud658\ubcf4\uc720\uc561\uc740 \ud68c\ubcf5\ub418\uae30 \uc2dc\uc791\ud588\uc73c\uba70, \uc608\uae08\uc774 \uc740\ud589\uc2dc\uc2a4\ud15c\uc73c\ub85c \ub3cc\uc544\uc654\ub2e4.
\uad6d\ub0b4\ucd1d\uc0dd\uc0b0\uc740 1996\ub144 10.9%, 1997\ub144 6.9% \uac10\uc18c\ud588\uc9c0\ub9cc, 1998\ub144\uc5d0\ub294 3.5% \uc131\uc7a5\ud588\ub2e4.
\uacbd\uae30\ud68c\ubcf5\uc740 \uc815\ubd80\uac00 \uacb0\uc815\ud55c \ud1b5\ud654\ud33d\ucc3d\uc758 \uacb0\uacfc\uac00 \uc544\ub2c8\uc5c8\ub2e4.
\ud1b5\ud654 \uc0ac\uc6a9\uc758 \uc815\uc0c1\ud654, \uacc4\uc57d\uad00\uacc4\uc758 \uc815\uc0c1\ud654, \ud22c\uc790 \ud68c\ubcf5\uc5d0\uc11c \ube44\ub86f\ub41c \uacb0\uacfc\uc600\ub2e4.
\ucee4\ub7f0\uc2dc\ubcf4\ub4dc\ub294 \ud654\ud3d0 \ubc1c\ud589\uc744 \ud1b5\ud574 \uc218\uc694\ub97c \ucc3d\ucd9c\ud558\uc9c0 \uc54a\uc558\ub2e4.
\ud1b5\ud654\uc5d0 \ub300\ud55c \uc2e0\ub8b0\ub97c \ud68c\ubcf5\uc2dc\ud0b4\uc73c\ub85c\uc368 \ud654\ud3d0 \uc218\uc694\uac00 \ub2e4\uc2dc \ub098\ud0c0\ub0a0 \uc218 \uc788\ub3c4\ub85d \ub9cc\ub4e4\uc5c8\ub2e4.
2001\ub144\ubd80\ud130 2008\ub144\uae4c\uc9c0 \ubd88\uac00\ub9ac\uc544 \uacbd\uc81c\ub294 \uc5f0\ud3c9\uade0 \uc57d 6% \uc131\uc7a5\ud588\ub2e4.
\uc678\uad6d\uc778 \ud22c\uc790\uac00 \ud06c\uac8c \uc99d\uac00\ud588\uace0, \uc2e4\uc5c5\ub960\uc740 \ud558\ub77d\ud588\ub2e4.
\uacf5\uacf5\ubd80\ucc44\ub294 2000\ub144\ub300 \ucd08 \uad6d\ub0b4\ucd1d\uc0dd\uc0b0\uc758 \uc57d 75% \uc218\uc900\uc5d0\uc11c 2008\ub144\uc5d0\ub294 \uc57d 14%\uae4c\uc9c0 \uac10\uc18c\ud588\ub2e4.
\ubd88\uac00\ub9ac\uc544\ub294 2007\ub144 \uc720\ub7fd\uc5f0\ud569\uc5d0 \uac00\uc785\ud588\ub2e4.
\uc774\ub7ec\ud55c \uacb0\uacfc\ub294 \ud0dc\ud658\uc81c\ub3c4\uac00 \ubc18\ub4dc\uc2dc \uacbd\uc81c\uc131\uc7a5\uc744 \ubc29\ud574\ud55c\ub2e4\ub294 \uc8fc\uc7a5\uc774 \uc0ac\uc2e4\uc774 \uc544\ub2d8\uc744 \ubcf4\uc5ec \uc900\ub2e4.
\ubd88\uac00\ub9ac\uc544\ub294 \ud3c9\uac00\uc808\ud558\ub098 \ud33d\ucc3d\uc801 \ud1b5\ud654\uc815\ucc45\uc744 \uc0ac\uc6a9\ud558\uc9c0 \uc54a\uace0\ub3c4 \uc131\uc7a5\ud588\uace0, \ud22c\uc790\ub97c \uc720\uce58\ud588\uc73c\uba70, \uc2e4\uc5c5\ub960\uc744 \ub0ae\ucdc4\ub2e4.
\uadf8\ub7ec\ub098 \uc774 \uc81c\ub3c4\uac00 \ubaa8\ub4e0 \ubd88\uade0\ud615\uc744 \uc81c\uac70\ud588\ub2e4\uace0 \uacb0\ub860 \ub0b4\ub9ac\ub294 \uac83\ub3c4 \uc798\ubabb\uc774\ub2e4.
\uacbd\uc81c\uc131\uc7a5\uc774 \uac00\uc7a5 \uac15\ud588\ub358 \uc2dc\uae30\uc5d0 \ub300\uaddc\ubaa8 \uc790\ubcf8 \uc720\uc785\uc774 \uc2e0\uc6a9, \uac74\uc124, \ubd80\ub3d9\uc0b0 \uac00\uaca9, \uc784\uae08\uc758 \uc0c1\uc2b9\uc744 \ucd09\uc9c4\ud588\ub2e4.
\uacbd\uc0c1\uc218\uc9c0 \uc801\uc790\ub294 \uad6d\ub0b4\ucd1d\uc0dd\uc0b0\uc758 20%\ub97c \ub118\uae30\ub3c4 \ud588\ub2e4.
\ucee4\ub7f0\uc2dc\ubcf4\ub4dc\ub294 \uc7ac\ub7c9\uc801\uc778 \ud654\ud3d0 \ubc1c\ud589\uc740 \ub9c9\uc744 \uc218 \uc788\uc5c8\uc9c0\ub9cc, \ubbfc\uac04 \ubd80\ubb38\uc758 \uacfc\ub3c4\ud55c \ucc28\uc785\uc774\ub098 \uc608\uc678\uc801\uc73c\ub85c \ud070 \uc790\ubcf8 \uc720\uc785\uc73c\ub85c \uc778\ud55c \uc2e4\uc9c8\ud658\uc728 \uc808\uc0c1\uae4c\uc9c0 \ub9c9\uc744 \uc218\ub294 \uc5c6\uc5c8\ub2e4.
\uc774\ub7ec\ud55c \uad6c\ubd84\uc740 \ub9e4\uc6b0 \uc911\uc694\ud558\ub2e4.
\ud1b5\ud654\uc548\uc815\uc740 \ubd88\uc548\uc815\uc758 \ud55c \uac00\uc9c0 \uc6d0\uc778\uc744 \uc81c\uac70\ud558\uc9c0\ub9cc \uacbd\uae30\uc21c\ud658 \uc790\uccb4\ub97c \uc5c6\uc560\uc9c0\ub294 \ubabb\ud558\uba70 \uae08\uc735\uac10\ub3c5\uc744 \ub300\uc2e0\ud560 \uc218\ub3c4 \uc5c6\ub2e4.
2008\u223c2009\ub144\uc758 \uc2dc\ud5d8
\uc138\uacc4 \uae08\uc735\uc704\uae30\ub294 \ucee4\ub7f0\uc2dc\ubcf4\ub4dc \uc81c\ub3c4\uac00 \ucd08\uae30\uc5d0 \uacaa\uc5c8\ub358 \uc704\uae30\ubcf4\ub2e4 \ud6e8\uc52c \ub354 \uac15\ub825\ud55c \uc2dc\ud5d8\uc774\uc5c8\ub2e4.
\uc790\ubcf8 \uc720\uc785\uc774 \uc911\ub2e8\ub418\uace0 \uc218\ucd9c\uc774 \uac10\uc18c\ud588\uc73c\uba70, \ud22c\uc790\uc640 \uc2e0\uc6a9\uc774 \uc704\ucd95\ub410\ub2e4.
2009\ub144 \uad6d\ub0b4\ucd1d\uc0dd\uc0b0\uc740 3% \uc774\uc0c1 \uac10\uc18c\ud588\uace0 \uc2e4\uc5c5\ub960\uc740 \uc0c1\uc2b9\ud588\ub2e4.
\uadf8\ub7ec\ub098 \ubd88\uac00\ub9ac\uc544\ub294 \ud3c9\uac00\uc808\ud558\ub97c \ud558\uc9c0 \uc54a\uc558\uace0, \ucee4\ub7f0\uc2dc\ubcf4\ub4dc\ub97c \ud3ec\uae30\ud558\uc9c0 \uc54a\uc558\uc73c\uba70, \uae08\uc735\uc2dc\uc2a4\ud15c \uc804\uccb4\uc758 \uc740\ud589\uc704\uae30\ub3c4 \uacaa\uc9c0 \uc54a\uc558\ub2e4.
\uc678\ubd80\uc790\uae08 \uc870\ub2ec\uc774 \uae09\uac10\ud588\uc9c0\ub9cc \uc678\ud658\ubcf4\uc720\uc561\uc744 \uace0\uac08\uc2dc\ud0ac \uc815\ub3c4\uc758 \ub300\uaddc\ubaa8 \uc778\ucd9c \uc0ac\ud0dc\ub294 \ubc1c\uc0dd\ud558\uc9c0 \uc54a\uc558\ub2e4.
\ub0ae\uc740 \uacf5\uacf5\ubd80\ucc44\uc640 \uac1c\uc120\ub41c \uc740\ud589\uad8c\uc758 \uc9c0\uae09\ub2a5\ub825\uc740 1996\ub144\uc5d0\ub294 \uc5c6\uc5c8\ub358 \uc548\uc804 \uc5ec\uc720\ub97c \uc81c\uacf5\ud588\ub2e4.
\uadf8\ub7ec\ub098 \uc870\uc815\uc5d0\ub294 \ube44\uc6a9\uc774 \ub530\ub790\ub2e4.
\ud3c9\uac00\uc808\ud558\uac00 \ubd88\uac00\ub2a5\ud588\uae30 \ub54c\ubb38\uc5d0 \uad6d\ub0b4\uc218\uc694, \uc218\uc785, \ud22c\uc790\uac00 \uac10\uc18c\ud558\uace0 \ub178\ub3d9\ube44\uc6a9\uc774 \uc870\uc815\ub418\ub294 \ubc29\uc2dd\uc73c\ub85c \uacbd\uc81c\uac00 \uade0\ud615\uc744 \ub418\ucc3e\uc558\ub2e4.
\uc774\ub294 \uc77c\uc885\uc758 \ub0b4\ubd80\uc801 \ud3c9\uac00\uc808\ud558\uc600\ub2e4.
\ucee4\ub7f0\uc2dc\ubcf4\ub4dc\ub294 \uacbd\uae30\uce68\uccb4 \uc790\uccb4\ub97c \ub9c9\uc9c0 \ubabb\ud588\ub2e4.
\ub2e4\ub9cc \uacbd\uae30\uce68\uccb4\uac00 \ub610 \ub2e4\ub978 \ud1b5\ud654\uc704\uae30\uc640 \uc740\ud589\uc704\uae30\ub85c \ubc1c\uc804\ud558\ub294 \uac83\uc744 \ub9c9\uc558\ub2e4.
\uc774\uac83\uc774 \uacb0\uc815\uc801\uc778 \ucc28\uc774\ub2e4.
\ubc1c\uc0dd\ud558\uc9c0 \uc54a\uc740 \uc77c\ub3c4 \uc911\uc694\ud558\ub2e4.
\uc704\uae30\uac00 \ub2e5\ucce4\uc744 \ub54c \ud654\ud3d0 \ubc1c\ud589\uc73c\ub85c \uacbd\uae30\ud68c\ubcf5\uc5d0 \uc790\uae08\uc744 \uacf5\uae09\ud558\uac70\ub098 \uace0\uc815\ud658\uc728\uc744 \ud3ec\uae30\ud558\uc790\uace0 \uc8fc\uc7a5\ud558\uba74\uc11c \ucda9\ubd84\ud55c \uc9c0\uc9c0\ub97c \uc5bb\uc740 \uc815\uce58\uc138\ub825\uc740 \ub098\ud0c0\ub098\uc9c0 \uc54a\uc558\ub2e4.
\ucee4\ub7f0\uc2dc\ubcf4\ub4dc\ub294 \ud2b9\uc815 \uc815\ubd80\uc758 \uc815\ucc45\uc774 \uc544\ub2c8\ub77c \uc0ac\ud68c \ub2e4\uc218\uac00 \ubc1b\uc544\ub4e4\uc774\ub294 \uc81c\ub3c4\ub85c \uc790\ub9ac \uc7a1\uace0 \uc788\uc5c8\ub2e4.
2014\ub144 \uc740\ud589\uc704\uae30\ub294 \uae08\uc735\uac10\ub3c5\uacfc \uc81c\ub3c4\uc758 \uc9c8\uc5d0 \uc5ec\uc804\ud788 \uc2ec\uac01\ud55c \ubb38\uc81c\uac00 \ub0a8\uc544 \uc788\ub2e4\ub294 \uc0ac\uc2e4\uc744 \ub2e4\uc2dc \ubcf4\uc5ec \uc8fc\uc5c8\ub2e4.
\uadf8\ub7ec\ub098 \uc774 \uc0ac\uac74\ub3c4 \uae08\uc735\uc2dc\uc2a4\ud15c \uc804\uccb4\ub85c \ud655\uc0b0\ub418\uc9c0\ub294 \uc54a\uc558\uace0, \ucee4\ub7f0\uc2dc\ubcf4\ub4dc\uc758 \uc874\uc18d \uc790\uccb4\ub97c \uc704\ud611\ud558\uc9c0\ub3c4 \uc54a\uc558\ub2e4.
\uc774 \uc81c\ub3c4\ub294 \ucf54\ub85c\ub09819 \ub300\uc720\ud589\uacfc 2022\u223c2023\ub144 \uc720\ub7fd \uc5d0\ub108\uc9c0\u00b7\uc778\ud50c\ub808\uc774\uc158 \ucda9\uaca9\ub3c4 \uacac\ub38c \ub0c8\ub2e4.
\uc7ac\uc815\uaddc\uc728\uacfc \uacbd\uc81c\uc801 \uc218\ub834
\ud1b5\ud654\uc815\ucc45\uc5d0 \ub300\ud55c \uc81c\uc57d\uc73c\ub85c \uc778\ud574 \uacbd\uae30\ubcc0\ub3d9\uc5d0 \ub300\uc751\ud560 \uc218 \uc788\ub294 \uc8fc\uc694 \uc218\ub2e8\uc740 \uc7ac\uc815\uc815\ucc45\uc774\uc5c8\ub2e4.
\uc774\ub294 \uc815\ubd80\uac00 \ucda9\ubd84\ud55c \uc7ac\uc815\uc801 \uc548\uc804 \uc5ec\uc720\ub97c \uc720\uc9c0\ud558\ub3c4\ub85d \uac15\uc81c\ud588\ub2e4.
27\ub144 \ub3d9\uc548 \ucee4\ub7f0\uc2dc\ubcf4\ub4dc\ub97c \uc6b4\uc601\ud558\uba74\uc11c \ubd88\uac00\ub9ac\uc544\ub294 13\uac1c \uc5f0\ub3c4\uc5d0 \uc7ac\uc815\ud751\uc790\ub97c \uae30\ub85d\ud588\uc73c\uba70, \uacf5\uacf5\ubd80\ucc44\ub97c \uc720\ub7fd\uc5f0\ud569 \uae30\uc900\uc778 \uad6d\ub0b4\ucd1d\uc0dd\uc0b0\uc758 60%\ubcf4\ub2e4 \ud6e8\uc52c \ub0ae\uac8c \uc720\uc9c0\ud588\ub2e4.
2024\ub144 \uacf5\uacf5\ubd80\ucc44\ub294 \uad6d\ub0b4\ucd1d\uc0dd\uc0b0\uc758 23.8%\ub85c, \uc720\ub7fd\uc5f0\ud569\uc5d0\uc11c \ub450 \ubc88\uc9f8\ub85c \ub0ae\uc740 \uc218\uc900\uc774\uc5c8\ub2e4.
\uad6c\ub9e4\ub825\ud3c9\uac00 \uae30\uc900 1\uc778\ub2f9 \uc18c\ub4dd\uc740 2006\ub144 \uc720\ub85c\uc874 \ud3c9\uade0\uc758 \uc57d 35%\uc5d0\uc11c 2025\ub144 60% \uc774\uc0c1\uc73c\ub85c \uc0c1\uc2b9\ud588\ub2e4.
2024\ub144 \uc138\uacc4\uc740\ud589\uc740 \ubd88\uac00\ub9ac\uc544\ub97c \uace0\uc18c\ub4dd \uad6d\uac00\ub85c \uc7ac\ubd84\ub958\ud588\ub2e4.
2025\ub144 \uad6d\ub0b4\ucd1d\uc0dd\uc0b0\uc740 3.1% \uc131\uc7a5\ud588\uace0 \ud3c9\uade0 \uc2e4\uc5c5\ub960\uc740 3.5%\uc600\ub2e4.
\ud3c9\uade0 \uc778\ud50c\ub808\uc774\uc158\uc740 \ubd88\uac00\ub9ac\uc544 \uad6d\ub0b4 \ubb3c\uac00\uc9c0\uc218 \uae30\uc900 4.6%, \uc720\ub7fd \uad6d\uac00 \uac04 \ube44\uad50\uc5d0 \uc0ac\uc6a9\ud558\ub294 \uc870\ud654\uc18c\ube44\uc790\ubb3c\uac00\uc9c0\uc218 \uae30\uc900 3.5%\uc600\ub2e4.
\ub530\ub77c\uc11c \ucee4\ub7f0\uc2dc\ubcf4\ub4dc\uac00 \ubd88\uac00\ub9ac\uc544\uc758 \uc778\ud50c\ub808\uc774\uc158\uc744 \uc720\ub85c\uc874\uacfc \uc644\uc804\ud788 \ub3d9\uc77c\ud55c \uc218\uc900\uc73c\ub85c \ub9cc\ub4e4\uc5c8\ub2e4\uace0 \uc8fc\uc7a5\ud560 \uc218\ub3c4 \uc5c6\ub2e4.
\uc784\uae08\uacfc \ubb3c\uac00\uc758 \uc218\ub834, \uc678\ubd80 \ucda9\uaca9, \uc7ac\uc815\uc815\ucc45\uc740 \uacc4\uc18d\ud574\uc11c \uad6d\ub0b4 \uc778\ud50c\ub808\uc774\uc158\uc5d0 \uc601\ud5a5\uc744 \ubbf8\ucce4\ub2e4.
\uacbd\uc81c\uc548\uc815\ub3c4 \ud1b5\ud654\uc81c\ub3c4\uc758 \ubc94\uc704\ub97c \ub118\uc5b4\uc11c\ub294 \uad6c\uc870\uc801 \ubb38\uc81c\ub97c \ud574\uacb0\ud558\uc9c0\ub294 \ubabb\ud588\ub2e4.
1990\ub144\ub300 \uc774\ud6c4 \uc57d 100\ub9cc \uba85\uc758 \ubd88\uac00\ub9ac\uc544 \uad6d\ubbfc\uc774 \ud574\uc678\ub85c \uc774\uc8fc\ud588\uc73c\uba70, \uc804\uccb4 \uc778\uad6c\ub294 \uc57d 850\ub9cc \uba85\uc5d0\uc11c 640\ub9cc \uba85 \uc218\uc900\uc73c\ub85c \uac10\uc18c\ud588\ub2e4.
\uc9c0\uc5ed \uac04 \uaca9\ucc28, \ub192\uc740 \ubd88\ud3c9\ub4f1, \ubd80\ud328, \ubc95\uce58\uc8fc\uc758 \ubb38\uc81c\ub3c4 \uacc4\uc18d \uc874\uc7ac\ud588\ub2e4.
\uadf8\ub807\ub2e4\uace0 \ud574\uc11c \uc774\ub7ec\ud55c \ubb38\uc81c\ub4e4\uc774 \ud1b5\ud654\uac1c\ud601\uc758 \uc131\uacf5\uc744 \ubb34\ud6a8\ud654\ud558\ub294 \uac83\uc740 \uc544\ub2c8\ub2e4.
\ub2e4\ub9cc \ud1b5\ud654\uac1c\ud601\uc774 \ud574\uacb0\ud560 \uc218 \uc788\ub294 \ubc94\uc704\ub97c \uba85\ud655\ud558\uac8c \ubcf4\uc5ec \uc904 \ubfd0\uc774\ub2e4.
\uac74\uc804\ud55c \ud1b5\ud654\ub294 \uc800\ucd95\uc744 \ubcf4\ud638\ud558\uace0 \uc2e0\uc6a9\uc744 \ud65c\uc131\ud654\ud558\uba70 \uacbd\uc81c\uc801 \uacc4\uc0b0\uc744 \uac1c\uc120\ud560 \uc218 \uc788\ub2e4.
\uadf8\ub7ec\ub098 \uac74\uc804\ud55c \ud1b5\ud654\ub9cc\uc73c\ub85c \uc815\uce58\uc81c\ub3c4\ub97c \ub9cc\ub4e4\uac70\ub098 \uc0dd\uc0b0\uc131\uc744 \ub192\uc774\uac70\ub098 \uc9c0\uc5ed \uac04 \ubd88\ud3c9\ub4f1\uc744 \ud574\uacb0\ud560 \uc218\ub294 \uc5c6\ub2e4.
\uc720\ub85c\ud654 \ub3c4\uc785
\ubd88\uac00\ub9ac\uc544\ub294 2020\ub144 \uc720\ub7fd\ud658\uc728\uba54\ucee4\ub2c8\uc998\uc778 ERM II\uc640 \uc720\ub7fd\uc911\uc559\uc740\ud589\uc758 \uae34\ubc00\ud55c \uc740\ud589\uac10\ub3c5 \ud611\ub825\uccb4\uacc4\uc5d0 \uac00\uc785\ud588\ub2e4.
2026\ub144 1\uc6d4 1\uc77c \uc720\ub85c\ud654\ub97c \uacf5\uc2dd \ub3c4\uc785\ud574 \uc720\ub85c\uc874\uc758 21\ubc88\uc9f8 \ud68c\uc6d0\uad6d\uc774 \ub410\ub2e4.
\uc720\ub85c\ud654 \uc804\ud658\uc740 20\ub144 \uc774\uc0c1 \uc720\uc9c0\ub418\uc5b4 \uc628 \ub3d9\uc77c\ud55c \ud658\uc728\ub85c \uc774\ub8e8\uc5b4\uc84c\ub2e4.
1\uc720\ub85c = 1.95583\ub808\ud504
\ub530\ub77c\uc11c \ud658\uc728 \uc790\uccb4\uc758 \ubcc0\uacbd\uc740 \uc5c6\uc5c8\ub2e4.
\ubd88\uac00\ub9ac\uc544\ub294 \uc774\ubbf8 1997\ub144\ubd80\ud130 \uc7ac\ub7c9\uc801\uc778 \ud654\ud3d0 \ubc1c\ud589\uacfc \ud3c9\uac00\uc808\ud558\ub97c \uacbd\uc81c\uc815\ucc45 \uc218\ub2e8\uc73c\ub85c \uc0ac\uc6a9\ud558\ub294 \uac83\uc744 \ud3ec\uae30\ud55c \uc0c1\ud0dc\uc600\ub2e4.
\uc720\ub85c\ud654 \ub3c4\uc785 \uc804\uc5d0\ub3c4 \uc0c1\ub2f9\ud55c \ube44\uc728\uc758 \uc608\uae08\uacfc \ub300\ucd9c\uc774 \uc720\ub85c\ud654\ub85c \ud45c\uc2dc\ub3fc \uc788\uc5c8\uc73c\uba70, \uacf5\uacf5\ubd80\ucc44\uc758 \uc57d 70%\ub3c4 \uc720\ub85c\ud654\ub85c \ud45c\uc2dc\ub3fc \uc788\uc5c8\ub2e4.
\uc774\ub7ec\ud55c \uad00\uc810\uc5d0\uc11c \uc720\ub85c\ud654 \uac00\uc785\uc740 \ucee4\ub7f0\uc2dc\ubcf4\ub4dc \ub3c4\uc785\uacfc \ud568\uaed8 \uc0ac\uc2e4\uc0c1 \uc2dc\uc791\ub41c \ud1b5\ud654\ud1b5\ud569\uc744 \uc644\uc131\ud55c \uac83\uc774\uc5c8\ub2e4.
\uadf8\ub7ec\ub098 \ub2e8\uc21c\ud788 \ud654\ud3d0\uc758 \uc774\ub984\ub9cc \ubc14\uafbc \uac83\uc740 \uc544\ub2c8\uc5c8\ub2e4.
\ubd88\uac00\ub9ac\uc544 \uc911\uc559\uc740\ud589\uc740 \uc720\ub85c\uc2dc\uc2a4\ud15c\uc758 \uc815\uc2dd \uad6c\uc131\uc6d0\uc774 \ub410\uc73c\uba70, \uc911\uc559\uc740\ud589 \ucd1d\uc7ac\ub294 \uc720\ub7fd\uc911\uc559\uc740\ud589 \uc815\ucc45\uc704\uc6d0\ud68c\uc5d0 \ucc38\uc5ec\ud558\uac8c \ub410\ub2e4.
\ubd88\uac00\ub9ac\uc544 \uc740\ud589\ub4e4\uc740 \uc720\ub85c\uc2dc\uc2a4\ud15c\uc758 \uc720\ub3d9\uc131\uc744 \uc774\uc6a9\ud560 \uc218 \uc788\uac8c \ub410\uace0, \ubc95\ub960 \uac1c\uc815\uc73c\ub85c \uace0\uc815\ud658\uc728\uc774 \ubc14\ub014 \uc218 \uc788\ub2e4\ub294 \uc794\uc5ec \uc704\ud5d8\ub3c4 \uc0ac\ub77c\uc84c\ub2e4.
\uc720\ub85c\ud654 \ub3c4\uc785\uc740 \ucee4\ub7f0\uc2dc\ubcf4\ub4dc \uc81c\ub3c4\uc758 \uc885\ub8cc\ub97c \uc758\ubbf8\ud558\uae30\ub3c4 \ud588\ub2e4.
\ubd88\uac00\ub9ac\uc544\ub294 \ub354 \uc774\uc0c1 \uc720\ub7fd\uc758 \ud1b5\ud654\uc815\ucc45\uc744 \uc218\ub3d9\uc801\uc73c\ub85c \ubc1b\uc544\ub4e4\uc774\ub294 \ub098\ub77c\uac00 \uc544\ub2c8\ub77c, \uadf8 \ud1b5\ud654\uc815\ucc45\uc758 \uc218\ub9bd\uc5d0 \ucc38\uc5ec\ud558\ub294 \ub098\ub77c\uac00 \ub410\ub2e4.
\uc774 \ubcf4\uace0\uc11c \uc791\uc131 \uc2dc\uc810\uc5d0\ub294 \uc720\ub85c\ud654 \uac00\uc785\uc758 \uc7a5\uae30\uc801 \uacb0\uacfc\ub97c \ud3c9\uac00\ud558\uae30\uc5d0\ub294 \uc544\uc9c1 \uc774\ub974\ub2e4.
\ub2e4\ub9cc \uc804\ud658 \uacfc\uc815\uc774 \uc9c8\uc11c \uc788\uac8c \uc9c4\ud589\ub410\uace0, \ud658\uc728\uc744 \ubcc0\uacbd\ud558\uc9c0 \uc54a\uc558\uc73c\uba70, \ud604\uc7ac\uae4c\uc9c0\uc758 \uc790\ub8cc\uc5d0 \ub530\ub974\uba74 \ubb3c\uac00\uc5d0 \ubbf8\uce5c \uc601\ud5a5\ub3c4 \uc81c\ud55c\uc801\uc774\uace0 \uc77c\uc2dc\uc801\uc774\uc5c8\ub2e4\uace0 \ud3c9\uac00\ud560 \uc218 \uc788\ub2e4.
\ubd88\uac00\ub9ac\uc544\uc758 \uacbd\ud5d8\uc774 \uc785\uc99d\ud558\ub294 \uac83\uacfc \uc785\uc99d\ud558\uc9c0 \uc54a\ub294 \uac83
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\ub808\ud504\ud654\ub294 \uacc4\uc18d \ubc95\uc815\ud1b5\ud654\ub85c \uc0ac\uc6a9\ub410\uc73c\uba70, \ubd88\uac00\ub9ac\uc544 \uc911\uc559\uc740\ud589\uc758 \uc81c\ub3c4\uc801 \uad6c\uc870\ub294 \uc77c\ubd80 \uce21\uba74\uc5d0\uc11c \uc544\ub974\ud5e8\ud2f0\ub098 \uc911\uc559\uc740\ud589\ubcf4\ub2e4 \ub354 \uc5c4\uaca9\ud588\ub2e4.
\ud2b9\ud788 \ubc1c\ud589\ubd80\ub294 \uad6d\ub0b4 \uad6d\ucc44\ub97c \ud1b5\ud654\ubd80\ucc44\uc758 \ub2f4\ubcf4\uc790\uc0b0\uc73c\ub85c \ubcf4\uc720\ud560 \uc218 \uc5c6\uc5c8\ub2e4.
\uadf8\ub7ec\ub098 \ub450 \uc81c\ub3c4\ub294 \ud558\ub098\uc758 \ud575\uc2ec \uc6d0\uce59\uc744 \uacf5\uc720\ud588\ub2e4.
\uc790\uad6d \ud1b5\ud654\ub294 \uc548\uc815\ub41c \ud658\uc728\ub85c \uad50\ud658\ub420 \uc218 \uc788\uc5b4\uc57c \ud588\uc73c\uba70, \ud1b5\ud654 \ubc1c\ud589\uc740 \uc678\ud658\ubcf4\uc720\uc561\uc758 \ubcf4\uc720 \uc815\ub3c4\uc5d0 \uc885\uc18d\ub3fc\uc57c \ud588\ub2e4.
\ub450 \uc81c\ub3c4 \ubaa8\ub450 \ud1b5\ud654\uc815\ucc45\uc758 \uc7ac\ub7c9\uc131\uc744 \uc2e0\ub8b0\ub97c \ud68c\ubcf5\ud560 \uc218 \uc788\ub294 \ubc95\uc801 \uaddc\uce59\uc73c\ub85c \ub300\uccb4\ud558\ub824 \ud588\ub2e4.
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\uadf8\ub7ec\ub098 \uc801\uc5b4\ub3c4 \ub450 \uac00\uc9c0 \uadf9\ub2e8\uc801\uc778 \ud574\uc11d\uc740 \uc798\ubabb\ub410\ub2e4\uace0 \ub9d0\ud560 \uc218 \uc788\ub2e4.
\uccab \ubc88\uc9f8 \uc798\ubabb\ub41c \ud574\uc11d\uc740 \ud0dc\ud658\uc81c\ub3c4\uac00 \ubc18\ub4dc\uc2dc \uacbd\uc81c\uc131\uc7a5\uc744 \ubc29\ud574\ud558\uba70 \uacb0\uad6d \ud3c9\uac00\uc808\ud558\ub85c \ub05d\ub0a0 \uc218\ubc16\uc5d0 \uc5c6\ub2e4\ub294 \uc8fc\uc7a5\uc774\ub2e4.
\ubd88\uac00\ub9ac\uc544\ub294 \uc131\uc7a5\ud588\uace0, \uc2e4\uc5c5\ub960\uc744 \ub0ae\ucdc4\uc73c\uba70, \uc678\ubd80 \uc704\uae30\ub97c \uadf9\ubcf5\ud588\uace0, \uc720\ub85c\ud654\uc5d0 \uac00\uc785\ud560 \ub54c\uae4c\uc9c0 \uace0\uc815\ud658\uc728\uc744 \uc720\uc9c0\ud588\ub2e4.
\ub450 \ubc88\uc9f8 \uc798\ubabb\ub41c \ud574\uc11d\uc740 \ud1b5\ud654\ubc95 \ud558\ub098\ub9cc \uc81c\uc815\ud558\uba74 \ucda9\ubd84\ud558\ub2e4\ub294 \uc8fc\uc7a5\uc774\ub2e4.
\ubd88\uac00\ub9ac\uc544\uc758 \ud1b5\ud654\uaddc\uce59\uc740 \uc740\ud589\uc81c\ub3c4\uc758 \uc815\uc0c1\ud654, \uc7ac\uc815\uaddc\uc728, \uc678\ud658\ubcf4\uc720\uc561 \ucd95\uc801, \uc720\ub7fd\uacfc\uc758 \uacbd\uc81c\uc801\u00b7\uc81c\ub3c4\uc801 \ud1b5\ud569\uc774 \ud568\uaed8 \uc774\ub8e8\uc5b4\uc84c\uae30 \ub54c\ubb38\uc5d0 \uc9c0\uc18d\ub420 \uc218 \uc788\uc5c8\ub2e4.
\ubb34\uc5c7\ubcf4\ub2e4 \uc5ed\ub300 \uc815\ubd80\ub4e4\uc774 \uc704\uae30\uc5d0 \ub300\uc751\ud560 \ub54c \ub2e4\uc2dc \ud654\ud3d0 \ubc1c\ud589\uc5d0 \uc758\uc874\ud558\uc9c0 \uc54a\uaca0\ub2e4\ub294 \uc6d0\uce59\uc744 \ubc1b\uc544\ub4e4\uc600\uae30 \ub54c\ubb38\uc5d0 \uac00\ub2a5\ud588\ub2e4.
\uac00\uc7a5 \uc911\uc694\ud55c \ucc28\uc774\ub294 \ud658\uc728\uc81c\ub3c4\uc758 \uae30\uc220\uc801\uc778 \uc6b4\uc601\ubc29\uc2dd\uc774 \uc544\ub2c8\ub77c, \uadf8 \uc81c\ub3c4\ub97c \ub458\ub7ec\uc2fc \uc81c\ub3c4\uc801 \uae30\ubc18\uc758 \uad6c\ucd95\uc5d0 \uc788\ub2e4.
\ubd88\uac00\ub9ac\uc544\ub294 \uc815\ud574\uc9c4 \uaddc\uce59\uc744 \ud3ec\uae30\ud560 \ub54c \uce58\ub7ec\uc57c \ud558\ub294 \uc815\uce58\uc801 \ube44\uc6a9\uc744 \uc810\ucc28 \ub192\uc600\ub2e4.
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\uadf8\ub2e4\uc74c\uc5d0\ub294 \uc720\ub7fd\uc5f0\ud569 \uac00\uc785\uacfc \uc5f0\uacb0\ud588\ub2e4.
\uc774\ud6c4\uc5d0\ub294 ERM II \ubc0f \uc720\ub7fd \uc740\ud589\ub3d9\ub9f9 \uac00\uc785\uacfc \uc5f0\uacb0\ud588\ub2e4.
\ub9c8\uc9c0\ub9c9\uc73c\ub85c \uc720\ub85c\ud654\ub97c \ub3c4\uc785\ud588\ub2e4.
\ud1b5\ud654\uc548\uc815\uc740 \uacbd\uc81c\uac1c\ubc1c\uc758 \ucd9c\ubc1c\uc810\uc774\uc9c0 \uc644\uc804\ud55c \uac1c\ubc1c\uacc4\ud68d \uc790\uccb4\ub294 \uc544\ub2c8\uc5c8\ub2e4.
\uadf8\ub7ec\ub098 \uc774\ub7ec\ud55c \ucd9c\ubc1c\uc810\uc774 \uc5c6\uc5c8\ub2e4\uba74 \ubd88\uac00\ub9ac\uc544\uac00 \uc2e0\uc6a9\uc744 \ud68c\ubcf5\ud558\uace0, \ud22c\uc790\ub97c \uc720\uce58\ud558\uba70, \ubd80\ucc44\ub97c \uc904\uc774\uace0, \uc720\ub7fd\uacfc\uc758 \uacbd\uc81c\uc801 \uaca9\ucc28\ub97c \uc881\ud788\uae30\ub294 \uc5b4\ub824\uc6e0\uc744 \uac83\uc774\ub2e4.
\uc774\uac83\uc774 \ubd88\uac00\ub9ac\uc544\uc758 \uacbd\ud5d8\uc774 \uc8fc\ub294 \ud575\uc2ec\uc801\uc778 \uad50\ud6c8\uc774\ub2e4.
\uc815\ucc45 \ub2f4\ub2f9\uc790\uc758 \uc7ac\ub7c9\uc744 \uba85\ud655\ud55c \uaddc\uce59\uc73c\ub85c \ub300\uccb4\ud558\uba74 \uc2e0\ub8b0\ub294 \ube60\ub974\uac8c \ud68c\ubcf5\ub420 \uc218 \uc788\ub2e4.
\uadf8\ub7ec\ub098 \uadf8 \uc2e0\ub8b0\ub97c \uc9c0\uc18d\uc2dc\ud0a4\uae30 \uc704\ud574\uc11c\ub294 \ub354 \uc5b4\ub824\uc6b4 \uc870\uac74\uc774 \ud544\uc694\ud558\ub2e4.
\uc7ac\uc815\u00b7\uc740\ud589\u00b7\uc815\uce58\uc81c\ub3c4\uac00 \uadf8 \uaddc\uce59\uc744 \uc704\ubc18\ud558\ub294 \ube44\uc6a9\uc744 \uaddc\uce59\uc744 \uc9c0\ud0a4\ub294 \ube44\uc6a9\ubcf4\ub2e4 \ub354 \ud06c\uac8c \ub9cc\ub4e4\uc5b4\uc57c \ud55c\ub2e4.
\ubd88\uac00\ub9ac\uc544\ub294 \uc774\ub7ec\ud55c \uc870\uac74\uc758 \uc870\ud569\uc744 \uad6c\ucd95\ud558\ub294 \ub370 \uc131\uacf5\ud588\uace0, \ucd08\uad6d\uac00\uc801 \ud1b5\ud654\uccb4\uc81c\uc5d0 \uc644\uc804\ud788 \ud1b5\ud569\ub420 \ub54c\uae4c\uc9c0 \uc774\ub97c \uc720\uc9c0\ud588\ub2e4.
\uac01\uc8fc 1
\ub098\ub294 \ud558\ube44\uc5d0\ub974 \ubc00\ub808\uc774 \ud6c4\ubcf4\uc758 \ub300\uc120 \ucea0\ud504\uac00 \uc8fc\ucd5c\ud55c \uc778\ud50c\ub808\uc774\uc158 \uad00\ub828 \uac15\uc5f0\uc5d0\uc11c\ub3c4 \uc774\ub7ec\ud55c \uacac\ud574\ub97c \uc8fc\uc7a5\ud588\ub2e4.
\ud574\ub2f9 \uac15\uc5f0\uc740 \ubc00\ub808\uc774 \ub300\ud1b5\ub839\uc758 \uc800\uc11c \u300e\uc778\ud50c\ub808\uc774\uc158\uc758 \uc885\ub9d0\u300f\uc5d0 \uc218\ub85d\ub410\ub2e4.
\ub0b4 \uac15\uc5f0\uc758 \uc81c\ubaa9\uc740 \u2018\uc911\uc559\uc740\ud589\uc774 \uc874\uc7ac\ud558\ub294 \ud1b5\ud654\uacbd\uc7c1\u2019\uc774\uc5c8\ub2e4.
\uadf8\ubcf4\ub2e4 \uc55e\uc11c \uc54c\ubca0\ub974\ud1a0 \ubca0\ub124\uac00\uc2a4 \ub9b0\uce58\uac00 \u2018\uc911\uc559\uc740\ud589\uc774 \uc874\uc7ac\ud558\uc9c0 \uc54a\ub294 \ud1b5\ud654\uacbd\uc7c1\u2019\uc774\ub77c\ub294 \uc81c\ubaa9\uc73c\ub85c \uac15\uc5f0\ud588\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"

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