{"id":119,"date":"2025-08-16T04:07:00","date_gmt":"2025-08-16T04:07:00","guid":{"rendered":"https:\/\/thequickwise.com\/what-is-financial-literacy-and-why-it-matters\/"},"modified":"2026-01-30T13:06:30","modified_gmt":"2026-01-30T13:06:30","slug":"what-is-financial-literacy-and-why-it-matters","status":"publish","type":"post","link":"https:\/\/thequickwise.com\/ko\/what-is-financial-literacy-and-why-it-matters\/","title":{"rendered":"\uae08\uc735 \uc9c0\uc2dd\uc774\ub780 \ubb34\uc5c7\uc774\uace0 \uc65c \uc911\uc694\ud55c\uac00"},"content":{"rendered":"<p>\uc7ac\uc815 \uad00\ub9ac\ub294 \ub9c8\uce58 \ubbf8\ub85c\ub97c \ud5e4\uccd0 \ub098\uac00\ub294 \uac83\uacfc \uac19\uc2b5\ub2c8\ub2e4. \ud5e4\uccd0\ub098\uac08 \uae38\uc740 \ubd84\uba85\ud788 \uc788\uc9c0\ub9cc, \ub9e4\ubc88 \uc0c8\ub85c\uc6b4 \ub09c\uad00\uc5d0 \ubd80\ub52a\ud788\ub294 \uac83\ucc98\ub7fc \ub290\uaef4\uc9d1\ub2c8\ub2e4. \uae08\uc735 \uc9c0\uc2dd\uc744 \uc774\ud574\ud558\ub294 \uac83\uc740 \ub9c8\uce58 \uc62c\ubc14\ub978 \uae38\ub85c \uc778\ub3c4\ud558\ub294 \uc9c0\ub3c4\ub97c \uac16\ub294 \uac83\uacfc \uac19\uc2b5\ub2c8\ub2e4. \uae30\ubcf8\uc744 \uc774\ud574\ud558\uba74 \uc77c\uc0c1\uc801\uc778 \uacb0\uc815\ub4e4\uc774 \uac11\uc790\uae30 \ud6e8\uc52c \ub354 \ud569\ub9ac\uc801\uc73c\ub85c \ub2e4\uac00\uc635\ub2c8\ub2e4.<\/p>\n<p>\uae08\uc735 \uc9c0\uc2dd\uc740 \uc804\ubb38\uac00\ub098 \uc804\ubb38\uc9c1 \uc885\uc0ac\uc790\ub9cc\uc744 \uc704\ud55c \uac83\uc774 \uc544\ub2d9\ub2c8\ub2e4. \uc810\uc2ec \uba54\ub274 \uc120\ud0dd\ubd80\ud130 \uc7a5\uae30 \ud22c\uc790\uae4c\uc9c0 \uc6b0\ub9ac \uc0b6\uc758 \uac70\uc758 \ubaa8\ub4e0 \uce21\uba74\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4. \uadf8\ub807\uae30 \ub54c\ubb38\uc5d0 \ub3c8 \uad00\ub9ac\uc5d0 \uc790\uc2e0\uac10\uc744 \uac16\ub294 \uac83\uc740 \ubc30\uacbd\uacfc \uad00\uacc4\uc5c6\uc774 \uc911\uc694\ud55c \uc694\uc18c\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc774 \uac00\uc774\ub4dc\ub294 \uae08\uc735 \uc9c0\uc2dd\uc758 \uc911\uc694\uc131\uc744 \uba85\ud655\ud558\uac8c \uc124\uba85\ud558\uace0, \uc5f0\ub839\uc774\ub098 \uc18c\ub4dd\uc5d0 \uad00\uacc4\uc5c6\uc774 \ubaa8\ub4e0 \uc0ac\ub78c\uc5d0\uac8c \uae08\uc735 \uc9c0\uc2dd\uc774 \uc5bc\ub9c8\ub098 \uc911\uc694\ud55c\uc9c0 \uc0b4\ud3b4\ubd05\ub2c8\ub2e4. \uc624\ub298\ubd80\ud130 \ubc14\ub85c \uc801\uc6a9\ud560 \uc218 \uc788\ub294 \ud575\uc2ec \uc544\uc774\ub514\uc5b4, \uc2e4\uc81c \uc0ac\ub840, \uadf8\ub9ac\uace0 \uc2e4\uc6a9\uc801\uc778 \ub2e8\uacc4\ub4e4\uc744 \uc790\uc138\ud788 \uc0b4\ud3b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<h2>\uae08\uc735 \uc9c0\uc2dd\uc758 \uad6c\uc131 \uc694\uc18c<\/h2>\n<p>\uae08\uc735 \uc9c0\uc2dd\uc740 \ub2e8 \ud558\ub098\uc758 \uae30\uc220\uc774 \uc544\ub2d9\ub2c8\ub2e4. \uc624\ud788\ub824 \ub3c8\uc744 \ud604\uba85\ud558\uac8c \uc0ac\uc6a9\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub418\ub294 \uc5ec\ub7ec \ub2a5\ub825\uc758 \uc9d1\ud569\uccb4\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc694\uc18c\ub4e4\uc740 \uc11c\ub85c \uc0c1\ud638 \uc791\uc6a9\ud558\uba70 \ub3c8 \uad00\ub9ac \uc2b5\uad00\uc758 \ud2bc\ud2bc\ud55c \uae30\ubc18\uc744 \ud615\uc131\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub2f9\uc2e0\uc758 \uc7ac\uc815\uc801 \ubbf8\ub798\ub97c \uac01 \ubcbd\uc774 \ud575\uc2ec\uc801\uc778 \uc7ac\uc815 \uae30\uc220\uc744 \uc0c1\uc9d5\ud558\ub294 \uc9d1\uc73c\ub85c \uc0c1\uc0c1\ud574 \ubcf4\uc138\uc694. \ubcbd \ud558\ub098\uac00 \uc57d\ud558\uba74 \uc9d1 \uc804\uccb4\uac00 \ubd88\uc548\uc815\ud574 \ubcf4\uc785\ub2c8\ub2e4. \ubcbd\uc774 \ubaa8\ub450 \ud2bc\ud2bc\ud558\uba74 \uc624\ub798\uac08 \uc9d1\uc774 \ub418\ub294 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<ul>\n<li>\uc608\uc0b0 \ucc45\uc815: \uc218\uc785, \ube44\uc6a9, \uc800\ucd95 \ubaa9\ud45c\ub97c \ucd94\uc801\ud558\ub294 \ubc29\ubc95\uc744 \uc54c\uba74 \ub9e4\uc77c \uc62c\ubc14\ub978 \ubc29\ud5a5\uc73c\ub85c \uacb0\uc815\uc744 \ub0b4\ub9ac\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/li>\n<li>\uc800\ucd95: \uafb8\uc900\ud788 \ub3c8\uc744 \ub530\ub85c \ubaa8\uc544 \ub450\uba74 \uc608\uc0c1\uce58 \ubabb\ud55c \uc9c0\ucd9c\uc774 \uc0dd\uacbc\uc744 \ub54c \uc2a4\ud2b8\ub808\uc2a4\ub97c \ub35c \ubc1b\uac8c \ub429\ub2c8\ub2e4.<\/li>\n<li>\uc2e0\uc6a9 \uc774\ud574\ud558\uae30: \ub300\ucd9c\uacfc \uc2e0\uc6a9\uce74\ub4dc\uc758 \uc791\ub3d9 \ubc29\uc2dd\uc744 \uc774\ud574\ud558\uba74 \ube5a\uc774 \ub108\ubb34 \ub9ce\uc544\uc9c0\ub294 \uac83\uc744 \ubc29\uc9c0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li>\ud22c\uc790: \ud22c\uc790\uc758 \uae30\ubcf8\uc744 \ubc30\uc6b0\uba74 \uc7a5\uae30\uc801\uc778 \ubd80\uc758 \uc99d\uac00\ub97c \uc704\ud55c \uc635\uc158\uc774 \uc5f4\ub9bd\ub2c8\ub2e4.<\/li>\n<li>\uc704\ud5d8 \uad00\ub9ac: \ubcf4\ud5d8 \uc774\ud574, \uc0ac\uae30 \uc608\ubc29, \ube44\uc0c1 \uc0c1\ud669 \ub300\ube44 \uacc4\ud68d\uc744 \ud1b5\ud574 \uadc0\uc911\ud55c \uc548\uc804\ub9dd\uc744 \ub9c8\ub828\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li>\ucc45\uc784\uac10 \uc788\ub294 \uc9c0\ucd9c: \uc695\uad6c\uac00 \uc544\ub2cc \ud544\uc694\uc5d0 \ub530\ub77c \ubb34\uc5c7\uc744 \uc0b4\uc9c0 \uc120\ud0dd\ud558\uba74 \uc804\ubc18\uc801\uc73c\ub85c \ub354 \ud604\uba85\ud55c \uc790\uae08 \uad00\ub9ac\uac00 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p>\uc774\ub7ec\ud55c \uae30\uc220\uc744 \ud568\uaed8 \uc0ac\uc6a9\ud558\uba74 \uc7ac\uc815\uc801 \ud63c\ub780\uc774 \uc790\uc2e0\uac10\uc73c\ub85c \ubc14\ub00c\uc5b4 \uc778\uc0dd\uc758 \uc608\uce21\ud560 \uc218 \uc5c6\ub294 \uc21c\uac04\uc5d0 \ub300\ucc98\ud558\uae30\uac00 \ud6e8\uc52c \uc26c\uc6cc\uc9d1\ub2c8\ub2e4.<\/p>\n<h2>\ub3c8 \uad00\ub9ac \uae30\uc220\uc758 \uc77c\uc0c1\uc801 \uc601\ud5a5<\/h2>\n<p>\ub9e4\ub2ec \ucee4\ud53c, \uc2dd\ub8cc\ud488, \ub610\ub294 \ubc24\uc0d8 \ud30c\ud2f0\uc5d0 \ub3c8\uc744 \uc4f0\ub294 \ub4f1 \uc9c0\ucd9c \ub0b4\uc5ed\uc744 \uae30\ub85d\ud558\uace0 \uc774\ub97c \uc18c\ub4dd \ubc0f \ubaa9\ud45c\uc640 \ube44\uad50\ud558\ub294 \uc0ac\ub78c\uc744 \uc0c1\uc0c1\ud574 \ubcf4\uc138\uc694. \uadf8\ub4e4\uc740 \uace0\uccd0\uc57c \ud560 \uc2b5\uad00\uc744 \uc7ac\ube68\ub9ac \ubc1c\uacac\ud558\uace0 \uc791\uc740 \uc131\uacf5\uc744 \ucd95\ud558\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub450 \uce5c\uad6c \uc0ac\ub77c\uc640 \ub370\ub9ad\uc744 \uc0dd\uac01\ud574 \ubcf4\uc138\uc694. \uc0ac\ub77c\ub294 \ub9e4\ub2ec \uadf8\ub140\uc758 \uc2e0\uc6a9\uce74\ub4dc \uba85\uc138\uc11c\ub97c \uc77d\ub294 \ubc18\uba74, \ub370\ub9ad\uc740 \uacb0\uc81c\uc77c\uc774 \ub420 \ub54c\uae4c\uc9c0 \uadf8\uc758 \uba85\uc138\uc11c\ub97c \ubb34\uc2dc\ud569\ub2c8\ub2e4. \uc0ac\ub77c\ub294 \uc608\uc0c1\uce58 \ubabb\ud55c \uccad\uad6c \uae08\uc561\uc744 \ubc1c\uacac\ud558\uba74 \uc989\uc2dc \ud574\uacb0\ud569\ub2c8\ub2e4. \ub370\ub9ad\uc740 \uc885\uc885 \uc5f0\uccb4\ub8cc\ub97c \ub0b4\ub294\ub370, \uc774\ub294 \ubcc4\ub2e4\ub978 \uc774\uc720 \uc5c6\uc774 \uadf8\uc5d0\uac8c \ub3c8\uc744 \ub0ad\ube44\ud558\uac8c \ub9cc\ub4ed\ub2c8\ub2e4.<\/p>\n<p>\uc81c\uc778\uc740 \uc5ec\ub984 \uc5ec\ud589\uc744 \uc704\ud574 \uc800\ucd95\uc744 \ubaa9\ud45c\ub85c \uc0bc\uc558\uc744 \ub54c, \uc810\uc2ec \ub3c4\uc2dc\ub77d\uc744 \ubbf8\ub9ac \uc900\ube44\ud558\uace0, \ube44\uc2fc \ub77c\ub5bc\ub294 \ud53c\ud558\uace0, \uc6d4\uae09\ub0a0\ub9c8\ub2e4 \uc77c\uc815 \uae08\uc561\uc744 \uc800\ucd95\ud558\uae30 \uc2dc\uc791\ud588\uc2b5\ub2c8\ub2e4. \uc2e0\uc6a9\uce74\ub4dc\ub97c \uc0ac\uc6a9\ud558\uc9c0 \uc54a\uace0 \ud56d\uacf5\uad8c\uc744 \uc608\uc57d\ud558\uba74\uc11c, \uadf8\ub140\uc758 \uc791\uc740 \ub178\ub825\uc740 \uacb0\uc2e4\uc744 \ub9fa\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ud604\uba85\ud55c \uc1fc\ud551\uc774\ub098 \uac00\uaca9 \ube44\uad50\uc640 \uac19\uc740 \uc77c\uc0c1\uc801\uc778 \uc120\ud0dd\uc740 \uc7ac\uc815\uc5d0 \ub300\ud55c \uc774\ud574\uac00 \ub192\uc744 \ub54c \ub354\uc6b1 \uc218\uc6d4\ud574\uc9d1\ub2c8\ub2e4. \uac12\ube44\uc2fc \uc2e4\uc218\ub97c \ud53c\ud560 \uc218 \uc788\uc744 \ubfd0\ub9cc \uc544\ub2c8\ub77c, \uc7ac\uc815\uacfc \uc548\uc815\uc801\uc774\uace0 \uc2a4\ud2b8\ub808\uc2a4 \uc5c6\ub294 \uad00\uacc4\ub97c \ud615\uc131\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h2>\ud575\uc2ec \uad6c\uc131 \uc694\uc18c \uc124\uba85<\/h2>\n<p>\uae08\uc735 \uc9c0\uc2dd\uc740 \uc778\uc0dd \uc804\ubc18\uc5d0 \uac78\uccd0 \ub3c8\uc744 \uad00\ub9ac\ud558\ub294 \ub370 \uc788\uc5b4 \ub2e4\uc591\ud55c \uc5ed\ud560\uc744 \ud558\ub294 \uba87 \uac00\uc9c0 \ud575\uc2ec \uc694\uc18c\ub85c \ub098\ub20c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<ol>\n<li><strong>\uc608\uc0b0:<\/strong> \ub9c8\uce58 \uc9c0\ucd9c\uacfc \uc800\ucd95\uc5d0 \ub300\ud55c \ub85c\ub4dc\ub9f5\uc744 \ub9cc\ub4dc\ub294 \uac83\uacfc \uac19\uc2b5\ub2c8\ub2e4. \ub9e4\ub2ec \ub3c8\uc774 \uc5b4\ub514\ub85c \uac00\ub294\uc9c0 \uc54c \uc218 \uc788\uc8e0. \uc989\ud765\uc801\uc73c\ub85c \uacc4\ud68d\ud558\ub294 \uac83\ubcf4\ub2e4 \uc608\uc0b0\uc744 \uc138\uc6b0\uba74 \ub354 \ub098\uc740 \ud1b5\uc81c\ub825\uacfc \ub9c8\uc74c\uc758 \ud3c9\ud654\ub97c \uc5bb\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>\uc800\ucd95 \uc804\ub7b5:<\/strong> \uc815\uae30\uc801\uc73c\ub85c \ud604\uae08\uc744 \uc800\ucd95\ud558\uba74 \uc7ac\uc815\uc801 \ucda9\uaca9\uc73c\ub85c\ubd80\ud130 \ub2f9\uc2e0\uc744 \ubcf4\ud638\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub3c8\uc774 \ucda9\ubd84\ud788 \ub0a8\uc744 \uac70\ub77c\uace0 \uae30\ub300\ud558\ub294 \uac83\uacfc\ub294 \ub2ec\ub9ac, \uaddc\uce59\uc801\uc778 \uc800\ucd95\uc740 \ube44\uc0c1 \uc0c1\ud669\uc774\ub098 \ub354 \ud070 \ubaa9\ud45c\uc5d0 \ub300\ube44\ud560 \uc218 \uc788\ub3c4\ub85d \ub3c4\uc640\uc90d\ub2c8\ub2e4.<\/li>\n<li><strong>\ubd80\ucc44 \uad00\ub9ac:<\/strong> \uc774\uc790\uc728, \uc9c0\ubd88 \uc77c\uc815, \ucc45\uc784\uac10 \uc788\ub294 \ub300\ucd9c\uc744 \uc774\ud574\ud558\uba74 \ubd80\ucc44 \ud568\uc815\uc744 \ud53c\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \ub108\ubb34 \uc624\ub7ab\ub3d9\uc548 \ubb34\uc2dc\ud558\uba74 \ubd80\ucc44 \ud568\uc815\uc774 \ub354 \ucee4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>\uc2e0\uc6a9 \uc774\ud574\ud558\uae30:<\/strong> \uc2e0\uc6a9 \uc810\uc218\ub294 \ub300\ucd9c\ubd80\ud130 \uc544\ud30c\ud2b8 \uc784\ub300\uae4c\uc9c0 \ubaa8\ub4e0 \uac83\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4. \ucc45\uc784\uac10 \uc788\ub294 \uc2e0\uc6a9 \uad00\ub9ac\ub294 \uae30\ud68c\ub97c \uc5f4\uc5b4\uc8fc\uc9c0\ub9cc, \uc2e4\uc218\ub294 \uae30\ud68c\ub97c \uba87 \ub144 \ub3d9\uc548 \ub2eb\uc544\ub458 \uc218 \uc5c6\uac8c \ub9cc\ub4e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>\ud604\uba85\ud55c \ud22c\uc790:<\/strong> \ub3c8\uc744 \ub298\ub9ac\ub294 \uac83\uc740 \uc6d4\uac00 \uc804\ubb38\uac00\ub9cc \ud560 \uc218 \uc788\ub294 \uc77c\uc774 \uc544\ub2d9\ub2c8\ub2e4. \uac04\ub2e8\ud55c \ud22c\uc790\ub77c\ub3c4 \uc2dc\uac04\uc774 \uc9c0\ub0a8\uc5d0 \ub530\ub77c \uc800\ucd95 \uc608\uae08\ubcf4\ub2e4 \uc218\uc775\ub960\uc774 \ub192\uc744 \uc218 \uc788\uc73c\uba70, \ud2b9\ud788 \uc77c\ucc0d \uc2dc\uc791\ud558\uba74 \ub354\uc6b1 \uadf8\ub807\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>\uc704\ud5d8 \uc778\uc2dd:<\/strong> \ubcf4\ud5d8\uc774\ub098 \uc0ac\uae30 \uc608\ubc29\uc744 \ud1b5\ud574 \uc790\uc0b0\uc744 \ubcf4\ud638\ud558\uba74 \uc0ac\uace0, \ub3c4\ub09c \ub610\ub294 \uc0ac\uae30\uc758 \uc601\ud5a5\uc744 \uc904\uc5ec \uadc0\ud558\uc640 \uadc0\ud558\uc758 \uc0ac\ub791\ud558\ub294 \uc0ac\ub78c\uc5d0\uac8c \uadc0\uc911\ud55c \ubcf4\uc548\uc744 \uc81c\uacf5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>\ud604\uba85\ud55c \uc9c0\ucd9c:<\/strong> \uc6d0\ud558\ub294 \uac83\uacfc \ud544\uc694\ud55c \uac83\uc744 \uc798 \uad6c\ubcc4\ud558\uace0, \ud560\uc778 \uc0c1\ud488\uc744 \uad6c\ub9e4\ud558\uace0, \ucda9\ub3d9\uad6c\ub9e4\ub97c \ud53c\ud558\ub294 \ubc95\uc744 \ubc30\uc6b0\uba74 \ub3c8\uc744 \ub354 \uc544\ub084 \uc218 \uc788\uace0 \ud2bc\ud2bc\ud55c \uc2b5\uad00\uc744 \ud615\uc131\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ol>\n<p>\uc774\ub7ec\ud55c \ud575\uc2ec \uad6c\uc131 \uc694\uc18c\ub97c \uc774\ud574\ud558\uba74 \ub3c8\uc744 \ud769\ub728\ub9ac\ub294 \uc2b5\uad00\uc744 \uc7ac\uc815\uc801 \ubaa9\ud45c\uc640 \ub354 \ud070 \ub3c5\ub9bd\uc131\uc744 \ub2ec\uc131\ud558\uae30 \uc704\ud55c \uc2e0\ub8b0\ud560 \uc218 \uc788\ub294 \uc2dc\uc2a4\ud15c\uc73c\ub85c \ubc14\uafc0 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h2>\uc790\uae08 \uad00\ub9ac \uc811\uadfc \ubc29\uc2dd \ube44\uad50<\/h2>\n<p>\ub450 \uac00\uad6c\ub97c \uc0b4\ud3b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \ud55c \uac00\uad6c\ub294 \uc6d4 \uc608\uc0b0\uc744 \uc138\uc6b0\uace0, \uc9c0\ucd9c\uc744 \uae30\ub85d\ud558\uace0, \uc601\uc218\uc99d\uc744 \ubcf4\uad00\ud569\ub2c8\ub2e4. \ub2e4\ub978 \uac00\uad6c\ub294 \ub9e4\uc77c\uc758 \uae30\ubd84\uc5d0 \ub530\ub77c \ub3c8\uc744 \uc501\ub2c8\ub2e4. \uc608\uc0c1\uce58 \ubabb\ud55c \uc9c0\ucd9c\uc774 \uc0dd\uacbc\uc744 \ub54c \uc5b4\ub290 \uac00\uad6c\uac00 \ub354 \uc2a4\ud2b8\ub808\uc2a4\ub97c \ub35c \ubc1b\uc744\uae4c\uc694?<\/p>\n<p>\uccab \ubc88\uc9f8 \uac00\uc815\uc740 \uc548\uc804\ub9dd\uc774 \uc788\uae30 \ub54c\ubb38\uc5d0 \ube44\uc0c1 \uc0c1\ud669\uc5d0 \ub300\ube44\ud558\uc5ec \uc801\uadf9\uc801\uc73c\ub85c \ub300\ucc98\ud569\ub2c8\ub2e4. \ub450 \ubc88\uc9f8 \uac00\uc815\uc740 \uac10\ub2f9\ud558\uae30 \ud798\ub4e0 \uc0c1\ud669\uc5d0 \ucc98\ud574 \uc885\uc885 \ube44\uc6a9\uc744 \uac10\ub2f9\ud558\uac70\ub098 \uc555\ubc15 \uc18d\uc5d0\uc11c \ub3c8\uc744 \ube4c\ub9ac\ub824\uace0 \uc560\uc501\ub2c8\ub2e4.<\/p>\n<table>\n<thead>\n<tr>\n<th>\uc811\uadfc\ud558\ub2e4<\/th>\n<th>\uc7a5\uc810<\/th>\n<th>\ub2e8\uc810<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\uc0ac\uc804 \uc608\ubc29\uc801\uc778<\/td>\n<td>\ub180\ub77c\uc6c0\uc5d0 \ub300\ube44\ud558\uace0, \uace0\uae08\ub9ac \ubd80\ucc44\ub97c \ud53c\ud558\uace0, \uc7a5\uae30\uc801\uc73c\ub85c \ub354 \ub9ce\uc740 \ub3c8\uc744 \uc800\ucd95\ud558\uc138\uc694.<\/td>\n<td>\ub178\ub825, \uc9c0\uc18d\uc801\uc778 \ucd94\uc801 \ubc0f \uc790\uae30 \ud6c8\ub828\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/td>\n<\/tr>\n<tr>\n<td>\ubc18\uc751\ud615<\/td>\n<td>\ubbf8\ub9ac \uacc4\ud68d\ud560 \ud544\uc694 \uc5c6\uc774, \uc9c0\uae08 \uc774 \uc21c\uac04 \ub354 \ub9ce\uc740 \uc790\uc720\ub97c \ub204\ub9ac\uc138\uc694<\/td>\n<td>\ube44\uc0c1 \uc0c1\ud669\uc5d0 \ucde8\uc57d\ud558\uace0 \uc885\uc885 \ucd94\uac00 \uc218\uc218\ub8cc\ub098 \ub192\uc740 \uc774\uc790\ub97c \uc9c0\ubd88\ud569\ub2c8\ub2e4.<\/td>\n<\/tr>\n<tr>\n<td>\uade0\ud615 \uc7a1\ud78c<\/td>\n<td>\uc990\uac70\uc6c0\uacfc \uac74\uac15\ud55c \uc2a4\ud2b8\ub808\uc2a4 \uc218\uc900\uc744 \uc704\ud574 \uc720\uc5f0\uc131\uc744 \uac16\ucd98 \uacc4\ud68d<\/td>\n<td>\uc7a5\uae30\uc801 \uc800\ucd95\uc774\ub098 \ud22c\uc790\ub97c \uadf9\ub300\ud654\ud558\uc9c0 \ubabb\ud560 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\ud45c\ub97c \uc0b4\ud3b4\ubcf4\uba74, \uc0ac\uc804 \uc608\ubc29\uc801\uc774\uace0 \uc7ac\uc815\uc801\uc73c\ub85c \ud604\uba85\ud55c \uc811\uadfc \ubc29\uc2dd\uc774 \uc608\uc0c1\uce58 \ubabb\ud55c \uc0c1\ud669\uc5d0 \ub300\ube44\ud574 \uc9c0\uc18d\uc801\uc778 \uc644\ucda9 \uc7a5\uce58\ub97c \uc81c\uacf5\ud558\ub294 \ubc18\uba74, \ub2e4\ub978 \uc0ac\ub78c\ub4e4\uc740 \uc88c\uc808\uacfc \uc9c0\uc18d\uc801\uc778 \uc2a4\ud2b8\ub808\uc2a4\uc758 \uc704\ud5d8\uc744 \uac10\uc218\ud55c\ub2e4\ub294 \uac83\uc744 \uc54c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h2>\uc77c\uc0c1\uc801\uc778 \ub3c8 \uacb0\uc815\uc5d0\uc11c \ubc30\uc6b0\uae30<\/h2>\n<p>\ud559\uc0dd\uc774 \ud55c\uc815\ub41c \uc6a9\ub3c8\uc744 \uad00\ub9ac\ud558\ub294 \ubaa8\uc2b5\uc744 \uc0c1\uc0c1\ud574 \ubcf4\uc138\uc694. \uc74c\uc2dd\uc774\ub098 \ucc45 \uac19\uc740 \ud544\uc218\ud488\uc744 \uc0ac\ub294 \ub3d9\uc2dc\uc5d0 \uc7ac\ubbf8\uc788\ub294 \ucf58\uc11c\ud2b8 \ud2f0\ucf13\uc744 \uc704\ud574 \uc800\ucd95\ud558\ub294 \uac83\uc774\uc8e0. \uc774\ub7ec\ud55c \uc791\uc740 \uacb0\uc815\ub4e4\uc774 \uc131\uc778\uc774 \ub418\uc5b4 \uae09\uc5ec\ub97c \ubc1b\uc744 \ub54c\ub9c8\ub2e4 \uc131\uc7a5\ud558\ub294 \ub2a5\ub825\uc744 \ud0a4\uc6cc\uc90d\ub2c8\ub2e4.<\/p>\n<p>\ub3c8\uc5d0 \ub300\ud55c \uc11c\ub85c \ub2e4\ub978 \ud0dc\ub3c4\ub97c \uac00\uc9c4 \uc2e0\ud63c \ubd80\ubd80\ub294 \uacf5\ub3d9\uc758 \ubaa9\ud45c\ub97c \uc704\ud574 \uacf5\ud1b5\uc810\uc744 \ucc3e\uc544\uc57c \ud569\ub2c8\ub2e4. \uc774\ub294 \uc885\uc885 \ud0c0\ud611\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4. \ud55c \ucabd\uc758 \uac70\ub798 \uc131\ud5a5\uc774 \ub2e4\ub978 \ucabd\uc758 \uacfc\uc18c\ube44 \uc695\uad6c\ub97c \uc0c1\uc1c4\ud558\ub294 \uac83\uc774\uc8e0. \ub450 \uc0ac\ub78c \ubaa8\ub450 \ubc30\uc6b0\uace0 \uc774\ub4dd\uc744 \uc5bb\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc774 \ucda9\ub3d9\uad6c\ub9e4\uac00 \uc5bc\ub9c8\ub098 \ud070 \ube44\uc6a9\uc778\uc9c0 \ub108\ubb34 \ub2a6\uac8c \uae68\ub2eb\uc2b5\ub2c8\ub2e4. \uc608\uc0b0 \uad00\ub9ac\ub97c \uc18c\ud640\ud788 \ud558\ub294 \ucde8\ubbf8 \uc0dd\ud65c\uc790\ub294 \uac11\uc790\uae30 \uc18c\uc7a5\ud488\uc774 \uc608\uae08 \uacc4\uc88c\ub97c \uaf49 \ucc44\uc6b0\ub294 \uac83\uc744 \ubc1c\uacac\ud560 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. &quot;\uc544\ud558!&quot; \ud558\ub294 \uc21c\uac04\uc774 \uc624\uba74 \ub2e4\uc74c\ubc88\uc5d0 \ub354 \ud604\uba85\ud55c \uc120\ud0dd\uc744 \ud560 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc2e4\uc81c \uacbd\ud5d8\uc5d0\uc11c \uc5bb\uc740 \uad50\ud6c8\uc740 \uc7ac\uc815\uc5d0 \ub300\ud55c \uc9d1\uc911\ub825\uc744 \ub192\uc5ec \uc77c\uc774 \uc21c\uc870\ub86d\uc9c0 \uc54a\uc744 \ub54c\uc5d0\ub3c4 \uc131\uc7a5\ud560 \uc218 \uc788\ub3c4\ub85d \ub3c4\uc640\uc90d\ub2c8\ub2e4. \ud06c\uace0 \uc791\uc740 \ubaa8\ub4e0 \uacb0\uc815\uc774 \ub2f9\uc2e0\uc758 \uc804\ub7b5\uc5d0 \ud070 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<h2>\uc7a5\uae30\uc801\uc778 \uc774\uc775\uc744 \uc704\ud55c \uc88b\uc740 \uc2b5\uad00 \uae30\ub974\uae30<\/h2>\n<ul>\n<li>\uc790\ub3d9 \uc800\ucd95\uc744 \uc124\uc815\ud558\uba74 \uae09\uc5ec\uc758 \uc77c\ubd80\uac00 \ube44\uc0c1\uae08\uc73c\ub85c \ubc14\ub85c \uc801\ub9bd\ub429\ub2c8\ub2e4.<\/li>\n<li>\ub9e4\ub2ec \uc9c0\ucd9c\uc744 \uac80\ud1a0\ud558\uc5ec \ucd94\uc138\ub97c \ud30c\uc545\ud558\uace0 \uc608\uc0b0\uc744 \ub0ad\ube44\ud558\ub294 \uc2b5\uad00\uc744 \uc904\uc774\uc138\uc694.<\/li>\n<li>\ubb34\ub8cc \ubb38\ud559 \uc790\ub8cc\ub97c \ud65c\uc6a9\ud558\uc138\uc694. \uc571, \uc628\ub77c\uc778 \uac15\uc88c, \uc0c1\ub2f4 \uc804\ud654 \ub4f1\uc744 \uc774\uc6a9\ud558\uba74 \uc27d\uac8c \ubc30\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li>\uc2e0\uc6a9 \ubcf4\uace0\uc11c\uc758 \uc624\ub958\ub098 \ubcc0\uacbd \uc0ac\ud56d\uc744 \ucd94\uc801\ud558\uc5ec \ud3c9\ud310\uacfc \ub300\ucd9c \ud55c\ub3c4\ub97c \ubcf4\ud638\ud558\uc138\uc694.<\/li>\n<li>\ub3c4\uc804\ud574\ubcf4\uc138\uc694. \ucc3d\uc758\ub825\uc744 \uc2dc\ud5d8\ud574\ubcf4\uae30 \uc704\ud574 \ub3c8\uc744 \uc4f0\uc9c0 \uc54a\ub294 \uc8fc\ub9d0\uc774\ub098 \uc2dd\ub2e8 \uacc4\ud68d\uc744 \uc138\uc6b0\ub294 \ub2ec\uc744 \uc2dc\ub3c4\ud574 \ubcf4\uc138\uc694.<\/li>\n<li>\uc2e0\uc6a9\uce74\ub4dc \ub300\uae08\uc744 \uac1a\uac70\ub098 \uc800\ucd95 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud558\ub294 \ub4f1 \uc774\uc815\ud45c\uc5d0 \ub300\ud55c \ubcf4\uc0c1\uc744 \uc81c\uacf5\ud558\uc5ec \uc990\uac70\uc6c0\uc744 \uc720\uc9c0\ud558\uc138\uc694.<\/li>\n<\/ul>\n<p>\uc704\uc758 \uc2b5\uad00\ub4e4\uc740 \ub2e8\uc21c\ud788 \uc7ac\uc815\uc801\uc73c\ub85c \ud604\uba85\ud55c \uac83\ub9cc\uc774 \uc544\ub2c8\ub77c, \ucd94\uc9c4\ub825\uc744 \ud0a4\uc6cc\uc90d\ub2c8\ub2e4. \uc88b\uc740 \uc120\ud0dd\uc774 \uc790\uc5f0\uc2a4\ub7fd\uac8c \uc774\ub8e8\uc5b4\uc9c0\uba74, \ub3c8\uc5d0 \ub300\ud55c \uac71\uc815\uc740 \uc0ac\ub77c\uc9c0\uace0 \uc55e\uc73c\ub85c \uba87 \ub144 \ub3d9\uc548 \ub354 \ub9ce\uc740 \uac00\ub2a5\uc131\uc774 \ud3bc\uccd0\uc9c8 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\ud638\uae30\uc2ec\uacfc \ud568\uaed8 \uc77c\uad00\uc131\uc744 \uc720\uc9c0\ud558\uba74 \uc9c4\uc804\uc774 \ub354 \uc774\uc0c1 \uadc0\ucc2e\uc740 \uc77c\uc774 \uc544\ub2d9\ub2c8\ub2e4. \uc791\uc740 \ubc1c\uac78\uc74c\uc774\ub77c\ub3c4 \uc2dc\uac04\uc774 \uc9c0\ub098\uba74\uc11c \uc2b5\uad00\uc774 \uc313\uc774\uba74 \uacb0\uad6d \ud070 \ubcc0\ud654\ub97c \ub9cc\ub4e4\uc5b4\ub0c5\ub2c8\ub2e4.<\/p>\n<h2>\uae08\uc735 \uc9c0\uc2dd\uc774 \uc2dc\ud5d8\uc5d0 \uc801\uc6a9\ub420 \ub54c<\/h2>\n<p>\ub6f0\uc5b4\ub09c \ubb38\ud574\ub825\uc744 \uac00\uc9c4 \uc0ac\ub78c\uc740 \ube44\uc0c1 \uc0c1\ud669\uc5d0 \ub300\ube44\ud574 \uc800\ucd95\ud574 \ub450\uc5c8\uae30 \ub54c\ubb38\uc5d0 \uc2e4\uc9c1\ud558\ub354\ub77c\ub3c4 \ub2f9\ud669\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uac19\uc740 \uc0ac\ub78c\uc5d0\uac8c \uc5ec\uc720 \uc790\uae08\uc774 \uc5c6\uace0 \uc313\uc774\ub294 \uccad\uad6c\uc11c\ub9cc \uc788\ub2e4\uba74 \uc2a4\ud2b8\ub808\uc2a4\ub294 \uae08\uc138 \ubc30\uac00\ub420 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc758\ub8cc \uc751\uae09 \uc0c1\ud669\uc5d0\uc11c \ubcf4\ud5d8 \uc57d\uad00\uc744 \uc81c\ub300\ub85c \uc774\ud574\ud558\uba74 \uc608\uc0c1\uce58 \ubabb\ud55c \ubcf4\uc7a5 \uac70\ubd80\ub098 \uacfc\ub3c4\ud55c \ubcf8\uc778 \ubd80\ub2f4\uae08\uc744 \ud53c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubbf8\ub9ac \uacc4\ud68d\ud558\uba74 \uc88c\uc808\uac10\uacfc \uc7ac\uc815\uc801 \uc5b4\ub824\uc6c0\uc744 \ubaa8\ub450 \ud53c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub450 \uba85\uc758 \ub300\ud559 \uc878\uc5c5\uc0dd\uc744 \ube44\uad50\ud574 \ubcf4\uc138\uc694. \ud55c \uba85\uc740 \uacf5\uacfc\uae08\uc744 \uc81c\ub54c \ub0a9\ubd80\ud558\uace0 \ud615\ud3b8\uc5d0 \ub9de\uac8c \uc0dd\ud65c\ud558\uba70 \uc2e0\uc6a9 \uae30\ub85d\uc744 \uc313\uc2b5\ub2c8\ub2e4. \ub2e4\ub978 \ud55c \uba85\uc740 \uc2e0\uc6a9\uc5d0 \uacfc\uc18c\ube44\ud558\uc5ec \ud3c9\ud310\uc744 \ud68c\ubcf5\ud558\uace0 \ub354 \ub192\uc740 \ub300\ucd9c \uae08\ub9ac\ub97c \uc9c0\ubd88\ud558\ub294 \ub370 \uba87 \ub144\uc774 \uac78\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h2>\uacb0\ub860: \ubbf8\ub798\ub97c \uc704\ud55c \uc7ac\uc815\uc801 \uc790\uc2e0\uac10 \ud0a4\uc6b0\uae30<\/h2>\n<p>\uae08\uc735 \uc9c0\uc2dd\uc740 \ub2e8\uc21c\ud788 \uc22b\uc790\uc5d0 \ub300\ud55c \uc9c0\uc2dd\uc774 \uc544\ub2d9\ub2c8\ub2e4. \ub354 \ub9ce\uc740 \uc120\ud0dd, \ub354 \uc801\uc740 \ub180\ub77c\uc6c0, \uadf8\ub9ac\uace0 \uc7a5\uae30\uc801\uc778 \uc548\uc815\uc131\uc744 \uc704\ud574 \uc2a4\uc2a4\ub85c \uc900\ube44\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uae30\ubcf8 \uc0ac\ud56d\uc744 \ubc30\uc6b0\uba74 \ubd88\ud655\uc2e4\uc131\uc744 \uc81c\uac70\ud558\uace0 \ubbf8\ub798\ub97c \ucc45\uc784\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc790\uc2e0\uc758 \uc2b5\uad00\uc744 \ub418\ub3cc\uc544\ubcf4\ub294 \uac83\uc774 \uccab \ubc88\uc9f8 \ub2e8\uacc4\uc785\ub2c8\ub2e4. \uc9c0\ucd9c \ub0b4\uc5ed \ucd94\uc801, \uc2e0\uc6a9 \uc815\ubcf4 \ud30c\uc545, \ube44\uc0c1 \uc0c1\ud669 \ub300\ube44 \uacc4\ud68d \uc218\ub9bd\uacfc \uac19\uc740 \uc791\uc740 \ubcc0\ud654\uc870\ucc28\ub3c4 \uc790\uc2e0\uac10\uc744 \ub192\uc774\uace0 \uc0c8\ub85c\uc6b4 \uae30\ud68c\ub97c \uc5f4\uc5b4\uc904 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubaa8\ub4e0 \ub3c8\uc5d0 \uc2a4\ud2b8\ub808\uc2a4 \ubc1b\uae30\ubcf4\ub2e4\ub294 \uc2e4\uc9c8\uc801\uc778 \ub2e8\uacc4\ubd80\ud130 \uc2dc\uc791\ud574\uc11c \ucc28\uadfc\ucc28\uadfc \uc313\uc544\uac00\uc138\uc694. \uc7ac\uc815\uc801 \uc2e4\uc218\ub294 \ub204\uad6c\uc5d0\uac8c\ub098 \uc77c\uc5b4\ub0a0 \uc218 \uc788\uc9c0\ub9cc, \uad50\ud6c8\uc744 \uc5bb\uc744 \ub54c\ub9c8\ub2e4 \ud1b5\uc81c\ub825\uc774 \ub354\uc6b1 \uac15\ud654\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc7ac\uc815\uc801\uc73c\ub85c \ud604\uba85\ud55c \uc0ac\ub78c\ub4e4\uc740 \uc885\uc885 \uc778\uc0dd\uc774\ub780 \uc704\uae30\ub97c \ud53c\ud558\ub294 \uac83\ubcf4\ub2e4 \ubaa8\ud5d8\uc744 \uacc4\ud68d\ud558\uace0, \uafc8\uc5d0 \ud22c\uc790\ud558\uace0, \uc790\uc2e0\uc774 \uc0ac\ub791\ud558\ub294 \uc0ac\ub78c\ub4e4\uc744 \uc9c0\uc6d0\ud558\ub294 \uac83\uc774 \ub354 \uc911\uc694\ud558\ub2e4\ub294 \uac83\uc744 \uae68\ub2eb\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc9c0\uae08 \uc7ac\uc815 \ub2a5\ub825\uc744 \ud0a4\uc6b0\ub294 \ub370 \uc2dc\uac04\uc744 \ud22c\uc790\ud558\uba74 \uc624\ub298, 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