{"id":2215,"date":"2020-05-28T13:38:12","date_gmt":"2020-05-28T04:38:12","guid":{"rendered":"https:\/\/bcgblog.kr\/?p=2215"},"modified":"2020-06-08T13:29:17","modified_gmt":"2020-06-08T04:29:17","slug":"a-new-outlook-on-pricing-and-revenue-management-for-banks","status":"publish","type":"post","link":"https:\/\/bcgblog.kr\/a-new-outlook-on-pricing-and-revenue-management-for-banks\/","title":{"rendered":"\uc740\ud589\uc758 \uac00\uaca9\ucc45\uc815 \ubc0f \uc218\uc775\uad00\ub9ac\uc5d0 \ub300\ud55c \uc0c8\ub85c\uc6b4 \uc804\ub9dd"},"content":{"rendered":"<p>\uc740\ud589\uc5c5\uacc4\ub294 \uc2ec\uac01\ud55c \ucf54\ub85c\ub09819 \uc704\uae30\uc758 \uc9c1\uac04\uc811\uc801 \uc601\ud5a5\uc744 \uc544\uc9c1 \uc644\uc804\ud788 \ub5a8\uccd0\ub0b4\uc9c0 \ubabb\ud588\ub2e4. \uc790\ubcf8\uc2dc\uc7a5 \ub454\ud654\ub85c \uc6b4\uc6a9 \uc911\uc778 \uace0\uac1d\uc790\uc0b0\uc758 \uac00\uce58\uac00 \uac10\uc18c\ud558\uba70 \uc790\uc0b0\uad00\ub9ac \uc218\uc775\uc774 \ud558\ub77d\ud588\ub2e4. \uc804 \uc138\uacc4\uc758 \uc790\ud0dd\ub300\ud53c\ub839 \ubc0f \ubd09\uc1c4\uc870\uce58\ub294 \uae30\uc5c5\uae08\uc735 \uc740\ud589\uc5d0\uc11c \ub300\ucd9c\uc2e0\uccad \uc99d\uac00\ub85c \uc774\uc5b4\uc84c\uc9c0\ub9cc, \uae30\uc5c5\ub4e4\uc774 \ubd80\uc871\ubd84\uc744 \ud574\uc18c\ud558\uae30 \uc704\ud574 \ud604\uae08\uc744 \ud544\uc694\ub85c \ud558\ubbc0\ub85c \uc2e0\uc6a9\uc704\ud5d8\ub3c4 \ud568\uaed8 \uc99d\uac00\ud588\ub2e4. \ub9ce\uc740 \uac1c\uc778\uae08\uc735 \uc740\ud589\uc5d0\uc11c\ub294 \uc2e4\uc5c5\uacfc \uc784\uae08\uc0ad\uac10\uc774 \uace0\uac1d\ub4e4\uc758 \ud734\uac00 \ubc0f \uc8fc\uc694\uad6c\ub9e4 \uc720\uc608\ub85c \uc774\uc5b4\uc9c0\uba74\uc11c \ub300\ucd9c\uc2e0\uccad\uc774 \uac10\uc18c\ud588\ub2e4.<\/p>\n<p>\uc704\uae30\ub294 \ud589\ub3d9\ubcc0\ud654\uc5d0\ub3c4 \uc9c0\uc18d\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce58\uace0 \uc788\ub2e4. \ud589\ub3d9\ubcc0\ud654\ub294 \uace0\uac1d\uc774 \uc790\uc2e0\ub4e4\uc758 \uc694\uad6c\ub97c \uc7ac\uc815\uc758\ud558\uace0 (\uc120\ud0dd \ub610\ub294 \ud544\uc694\uc5d0 \uc758\ud574) \ube44\ub300\uba74 \uc11c\ube44\uc2a4\uc640 \ub514\uc9c0\ud138 \ucc44\ub110\ub85c \uc804\ud658\ud568\uc5d0 \ub530\ub77c \uc77c\uc5b4\ub098\uac8c \ub41c \uac83\uc774\ub2e4. \uc774\ub7ec\ud55c \ubcc0\ud654 \uc911 \uc77c\ubd80\ub294 \uc77c\uc2dc\uc801\uc77c \uc218 \uc788\uc9c0\ub9cc \ub2e4\ub978 \ubcc0\ud654\ub294 \ud5a5\ud6c4 \uba87 \ub144 \ub3d9\uc548 \uc740\ud589\uc11c\ube44\uc2a4\uc758 \ud328\ud134\uc744 \ubc14\uafc0 \uac83\uc774\ub2e4. \ub514\uc9c0\ud138\ub85c\uc758 \uc804\ud658\uc740 \uc774\uc81c \uc810\uc9c4\uc801\uc778 \uc804\ud658\uc5d0\uc11c \ud6e8\uc52c \ub354 \uc801\uadf9\uc801\uc778 \ubc29\uc2dd\uc73c\ub85c \ubc14\ub00c\uc5b4\uc57c \ud55c\ub2e4. \uadf8\ub807\uc9c0 \uc54a\uc73c\uba74 \uc740\ud589\ub4e4\uc740 \ud0dc\uc0dd\uc801\uc778 \ub514\uc9c0\ud138 \uacbd\uc7c1\uc790\uc5d0\uac8c \uc0c1\ub2f9\ud55c \uc810\uc720\uc728\uc744 \ub0b4\uc5b4\uc904 \uc704\ud5d8\uc744 \uac10\uc218\ud574\uc57c \ud55c\ub2e4.<\/p>\n<p>\uc774\ub7ec\ud55c \uc694\uc18c\ub4e4 \ub54c\ubb38\uc5d0 \uc740\ud589\ub4e4\uc7406\uac1c\uc6d4 \uc804\uc5d0 \uc0c1\uc0c1\ud588\ub358 \uac83\uacfc\ub294 \ud655\uc5f0\ud788 \ub2ec\ub77c\uc9c8 \ubbf8\ub798\uc5d0 \ub300\ube44\ud558\uc5ec \uacc4\ud68d\ud574\uc57c \ud55c\ub2e4. \uc740\ud589\ub4e4\uc740 \uc99d\uac00\ub41c \uc704\ud5d8\uc744 \uc815\ud655\ud558\uac8c \ud3c9\uac00\/\uad00\ub9ac\ud558\uace0 \uc804\ubc18\uc801 \uacbd\uc81c\ub97c \ubcf4\ud638\ud558\uae30 \uc704\ud574 \uc815\ubd80\uc640 \ub354\uc6b1 \uae34\ubc00\ud788 \ud611\ub825\ud574\uc57c \ud55c\ub2e4. \ub3d9\uc2dc\uc5d0, \uadf8\ub4e4\uc740 \ud604\uc7ac\uc758 \uc704\uae30\ub97c \ud6a8\uacfc\uc801\uc73c\ub85c \ud0d0\uc0c9\ud574 \ub098\uac00\uace0 \uac15\ub825\ud55c \uc785\uc9c0\ub97c \uad6c\ucd95\ud574 \uc0c8\ub85c\uc6b4 \ubbf8\ub798\ub97c \ub9de\uc774\ud558\uae30 \uc704\ud574 \uc0c8\ub85c\uc6b4 \uc5ed\ub7c9\uc744 \uad6c\ucd95\ud558\uace0 \uc6b4\uc601\uc744 \uadfc\ubcf8\uc801\uc73c\ub85c \uc7ac\ud3b8\ud574\uc57c \ud55c\ub2e4. \uac00\uaca9\ucc45\uc815 \ubc0f \uc218\uc775\uad00\ub9ac(pricing and revenue management, PRM)\ub294 \uc740\ud589\uc774 \uc0c1\ud488 \ubc0f \uac00\uce58\uc81c\uc548\uc744 \ubcc0\uacbd\ud558\ub294 \ub3d9\uc2dc\uc5d0 \uac00\ub9dd\uace0\uac1d\ubc1c\uad74, \uad50\ucc28\ud310\ub9e4, \uc0c1\ud5a5\ud310\ub9e4 \ubc0f \ubcf4\uc720\ub97c \ud1b5\ud574 \uace0\uac1d\ud3c9\uc0dd\uac00\uce58\ub97c \uad00\ub9ac\ud558\ub3c4\ub85d \ub3c4\uc6c0\uc73c\ub85c\uc368 \uc774\ub7ec\ud55c \uc804\ud658\uc5d0 \ud544\uc218\uc801\uc778 \uc5ed\ud560\uc744 \ud55c\ub2e4.<\/p>\n<h3><strong>PRM\uc758 \uc5ed\ud560 \ubcc0\ud654<\/strong><\/h3>\n<p>\ucf54\ub85c\ub09819\uc758 \uc138\uacc4\uc801 \ub300\uc720\ud589\uc5d0 \ub530\ub77c \uc740\ud589\uc758 PRM \uc811\uadfc\ubc95 \ubc0f \uac00\uaca9\uad6c\uc870 \ucc28\ubcc4\ud654 \ubc29\uc548\uc5d0 \uc774\ud558\uc758 \uc138 \uac00\uc9c0 \uac70\uc2dc\uc801\/\ubbf8\uc2dc\uc801 \uc0ac\ud56d\uc774 \uace0\ub824\ub418\uc5b4\uc57c \ud55c\ub2e4.<\/p>\n<ul>\n<li><strong>\uc704\uae30\ub294 \ub300\uc0c1\uc5d0 \ub530\ub77c \uc0c1\uc774\ud55c \uc601\ud5a5\uc744 \ubbf8\uce5c\ub2e4.<\/strong> \uacbd\uc81c\uc758 \uc77c\ubd80 \ubd80\ubb38\uc740 \ud65c\uc131\ud654\ub418\uace0 \uc788\uc9c0\ub9cc \ub2e4\ub978 \ub9ce\uc740 \ubd80\ubb38\uc740 \uae09\uaca9\ud55c \uce68\uccb4\ub97c \uacbd\ud5d8\ud588\ub2e4. \uc774\ub7ec\ud55c \uc601\ud5a5\uc758 \uc9c0\uc18d\uae30\uac04\uacfc \uc815\ub3c4\ub294 \uc5ec\uc804\ud788 \ubd88\ud655\uc2e4\ud558\uc9c0\ub9cc \ub9ce\uc740 \uae30\uc5c5\uacfc \uc18c\ube44\uc790\uac00 \uc774\uc804 \uc218\uc900\uc758 \uc218\uc775 \ub610\ub294 \uc218\uc785\uc744 \uc644\uc804\ud788 \ud68c\ubcf5\ud558\uc9c0 \ubabb\ud560 \uac83\uc740 \ubd84\uba85\ud558\ub2e4. \uc740\ud589\uc740 \uace0\uac1d \uad00\uacc4\uc758 \uc7a5\uae30\uc801 \uac00\uce58\uc640 \uace0\uac1d\uc758 \uc704\uae30\uadf9\ubcf5 \ud655\ub960\uc744 \uc2e0\uc18d\ud558\uac8c \ud3c9\uac00\ud558\uc5ec \uc5b4\ub5a4 \uace0\uac1d\uc744 \uac00\uc7a5 \ud6a8\uacfc\uc801\uc73c\ub85c \uc9c0\uc6d0\ud560 \uc218 \uc788\ub294\uc9c0 \uacb0\uc815\ud574\uc57c \ud55c\ub2e4. \ub2e8\uae30\uc801\uc73c\ub85c \uc798\ubabb\ub41c \uc2e0\uc6a9\uc704\ud5d8 \uacb0\uc815\uc744 \ub0b4\ub824 \uc190\uc2e4\uc774 \uc545\ud654\ub420 \uc704\ud5d8\uc774 \uc874\uc7ac\ud558\ub354\ub77c\ub3c4 \uadf8\ubcf4\ub2e4\ub294 \uad50\ucc28\ud310\ub9e4 \ub610\ub294 \uc704\uae30\uad00\ub828 \uc790\ubb38\uc744 \uc81c\uacf5\ud568\uc73c\ub85c\uc368 \ub300\ucd9c \uc810\uc720\uc728\uc744 \ub192\uc774\uace0 \ub354 \uac15\ub825\ud55c \uad00\uacc4\ub97c \uad6c\ucd95\ud560 \uc218 \uc788\ub294 \uae30\ud68c\uac00 \ub354 \ud074 \uc218 \uc788\ub2e4.<\/li>\n<li><strong>\uacfc\uac70\uc758 \uc778\uc0ac\uc774\ud2b8\uc640 \ubca4\uce58\ub9c8\ud0b9 \uc815\ubcf4\ub294 \ube60\ub974\uac8c \uc720\uc6a9\uc131\uc744 \uc783\uace0 \uc788\ub2e4.<\/strong> \uc740\ud589\uc740 \ud604\uc7ac\uc640 \ubbf8\ub798\uc758 PRM \uacb0\uc815\uc744 \ub0b4\ub9ac\uae30 \uc704\ud574 \uacfc\uac70\uc758 \uc9c0\uc2dd\uacfc \ub370\uc774\ud130\uc5d0 \uc758\uc874\ud560 \uc218 \uc5c6\uac8c \ub418\uc5c8\ub2e4. \ubca4\uce58\ub9c8\ud0b9 \uc815\ubcf4, \ucd94\uc138, \ub370\uc774\ud130 \ud328\ud134, \ud1b5\ub150 \ubaa8\ub450 \ub9c8\ucc2c\uac00\uc9c0\uc774\ub2e4. 2020\ub144\uc758 \uc138\uacc4\uac00 \uacfc\uac70\uc640 \ud06c\uac8c \ub2e4\ub974\ub2e4\ub294 \uac83\uc744 \uc544\ub294 \uc0c1\ud669\uc5d0\uc11c, 2020\ub144\uc5d0 \uc2e0\uc6a9\ud3c9\uac00\ub97c \uc704\ud574 2018\ub144 \ub610\ub294 2019\ub144 \uc7ac\ubb34\uc81c\ud45c\ub97c \uc0b4\ud3b4\ubcf4\ub294 \uac8c \ubb34\uc2a8 \uc758\ubbf8\uac00 \uc788\ub294\uac00? \uac70\uc2dc\uacbd\uc81c \uc218\uc900\uc5d0\uc11c GDP \uc131\uc7a5\ub960 \ubc0f \uc774\uc790\uc728\uc5d0 \uad00\ud55c \uc7a5\uae30\uc608\uce21\uc744 \ud558\ub294 \uac83\uacfc \ubbf8\uc2dc\uacbd\uc81c\uc801 \uc218\uc900\uc5d0\uc11c \ub2e4\uc591\ud55c \uace0\uac1d\uc758 \uac00\uaca9 \ud0c4\ub825\uc131\uc5d0 \ub300\ud55c \uc7a5\uae30\uc608\uce21\uc744 \ud558\ub294 \uac83\uc774 \ubaa8\ub450 \uc5b4\ub824\uc6cc\uc84c\ub2e4. \uc774\ub7ec\ud55c \uc774\uc720\ub85c \uc740\ud589\uc740 \uc758\uc0ac\uacb0\uc815 \ubc29\uc2dd\uc744 \ubc14\uafd4\uc57c \ud55c\ub2e4. \uc18d\ub3c4\uc640 \ubbfc\ucca9\uc131\uc744 \uac15\uc870\ud558\uace0 \ucd5c\uc2e0 \ub370\uc774\ud130, \ube60\ub978 \ud14c\uc2a4\ud2b8(\uc2e0\ub8b0\ud560 \uc218 \uc788\ub294 \ub370\uc774\ud130\uac00 \uac00\uc6a9\ud558\uc9c0 \uc54a\uc740 \uacbd\uc6b0) \ubc0f \ubc18\ubcf5\uc801\uc778 \ud504\ub85c\ud1a0\ud0c0\uc774\ud551\uc744 \ud1b5\ud574 \uc2e0\uc81c\ud488\uc744 \ub354 \uc2e0\uc18d\ud558\uac8c \ucd9c\uc2dc\ud574\uc57c \ud55c\ub2e4. \ubbf8\ub798\uc758 \uc0c1\ud669\uc744 \ud3c9\uac00\ud558\uae30 \uc704\ud574 \uc740\ud589\uc774 \ub2e8\uae30 \ub3d9\ud5a5 \ubd84\uc11d\uacfc \ud574\ub2f9\ubd84\uc57c\uc758 \uc9c0\uc2dd\uc744 \ud568\uaed8 \ud65c\uc6a9\ud568\uc5d0 \ub530\ub77c \uc608\uce21 \ud504\ub85c\uc138\uc2a4\ub3c4 \ubc14\ub014 \uac83\uc774\ub2e4. \uc774\ub97c \uc704\ud574\uc11c\ub294 \ubcf4\ub2e4 \ud1b5\ud569\ub41c \ub2e4\uae30\ub2a5\uc801 \uc5c5\ubb34\ubc29\uc2dd\uc774 \uc694\uad6c\ub41c\ub2e4.<\/li>\n<li><strong>\ub514\uc9c0\ud138\ub85c\uc758 \uc804\ud658\uc774 \uac00\uc18d\ud654\ub418\uace0 \uc788\ub2e4.<\/strong> \uc18c\ube44\uc790\uc640 \uae30\uc5c5 \ubaa8\ub450 \uc740\ud589\uc11c\ube44\uc2a4\uc758 \ub514\uc9c0\ud138 \uc804\ud658\uc744 \uac00\uc18d\ud654\ud558\uace0 \uc788\ub2e4. \uc774\ub294 \uc740\ud589\uc9c0\uc810\uc774 \uc5ec\uc804\ud788 \uc601\uc5c5\uc744 \uc911\ub2e8\ud55c \uc0c1\ud0dc\uc774\uace0 \ud604\uae08\uacb0\uc81c \ub9e4\uc7a5 \uc218\uac00 \uc904\uc5b4\ub4e4\uace0 \uc788\uc73c\uba70 \uc704\uc0dd\uc0c1\uc758 \uc774\uc720\ub85c \uc0ac\ub78c\ub4e4\uc774 \ube44\ub300\uba74 \uc9c0\ubd88\ud615\ud0dc\ub85c \uc804\ud658\ud558\uace0 \uc788\uae30 \ub54c\ubb38\uc774\ub2e4. \ub9ce\uc740 \uace0\uac1d\ub4e4\uc774 \uc815\ubd80\uc758 \uc81c\uc7ac\uc870\uce58, \ub450\ub824\uc6c0 \ub610\ub294 \uc0c8\ub85c\uc6b4 \ubc29\uc2dd\uc774 \uc6b0\uc218\ud558\ub2e4\uace0 \ubbff\ub294 \ub4f1 \ub2e4\uc591\ud55c \uc774\uc720\ub85c \uc0c8\ub85c\uc6b4 \ud589\ub3d9\ubc29\uc2dd\uc744 \uace0\uc218\ud560 \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4. \ub610\ud55c \uc774\uc81c \uc6d0\uaca9\uc73c\ub85c \uc740\ud589\uc5c5\ubb34\ub97c \uc218\ud589\ud574\uc57c \ud558\ub294 \uc0c1\ud669\uc774 \ub41c \uc0ac\ub78c\ub4e4\uc740 \ub0b4\uc810\uc774\ub098 \ub300\uae30\uc758 \ud544\uc694\uac00 \uc5c6\uc5b4 \uc0c1\ub2f9\ud55c \uc2dc\uac04\uc744 \uc808\uc57d\ud560 \uc218 \uc788\ub2e4\ub294 \uac83\uc744 \uacbd\ud5d8\ud588\uae30 \ub54c\ubb38\uc5d0 \uc624\ud504\ub77c\uc778 \uc9c0\uc810\uc744 \ub2e4\uc2dc \uc774\uc6a9\ud558\ub294 \uac83\uc744 \uc6d0\ud558\uc9c0 \uc54a\uc744 \uc218 \uc788\ub2e4. \uc740\ud589\uc740 \uc0c8\ub85c\uc6b4 \uc694\uad6c\uc5d0 \ubd80\uc751\ud558\uae30 \uc704\ud574 \uc0c1\ud488\uc81c\uc548\uc744 \uc7ac\uc815\ub9bd\ud574\uc57c \ud558\uba70, \ub300\uba74 \uc0c1\ud638\uc791\uc6a9\uc774 \uc5c6\uc5b4\uc9c0\ub294 \ub300\uc2e0 \uc6d0\uaca9 \ucc44\ub110\uc5d0\uc11c \ub370\uc774\ud130\uc5d0 \uae30\ubc18\ud558\uc5ec \ub354 \ub6f0\uc5b4\ub09c \ub9de\ucda4\ud654 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud574\uc57c \ud55c\ub2e4.<\/li>\n<\/ul>\n<h3><strong>\uc740\ud589\uc774 \ucde8\ud574\uc57c \ud558\ub294 \uc911\uc694 \uc870\uce58<\/strong><\/h3>\n<p>\uc774\ub7ec\ud55c \uac70\uc2dc\uc801\/\ubbf8\uc2dc\uc801 \ubcc0\ud654\uc5d0 \ud6a8\uacfc\uc801\uc73c\ub85c \ub300\uc751\ud558\uace0 \ubbf8\ub798\ub97c \ub300\ube44\ud558\ub824\uba74 \uc740\ud589\uc740 \uc989\uc2dc \uc870\uce58\ub97c \ucde8\ud558\uace0, \uc774\ub97c \ud5a5\ud6c4 \uc218\ub144\uac04 \uc0c8\ub85c\uc6b4 \uc5c5\ubb34\ubc29\uc2dd\uc5d0 \uc801\uc6a9\ud558\uace0, \uac1c\uc120\ud558\uba70 \uc815\ucc29\uc2dc\ucf1c\uc57c \ud55c\ub2e4. \uc2b9\uc790\ub85c \uac70\ub4ed\ub098\uae30 \uc704\ud574\uc11c \uc740\ud589\ub4e4\uc740 PRM\uc5d0 \ub300\ud55c \uc811\uadfc \ubc29\uc2dd\uc744 \ud68d\uae30\uc801\uc73c\ub85c \ubc14\uafd4\uc57c \ud55c\ub2e4(\ub3c4\ud45c \ucc38\uc870).<\/p>\n<p><a href=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/a-new-outlook-on-pricing-and-revenue-management-for-banks.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2216\" src=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/a-new-outlook-on-pricing-and-revenue-management-for-banks.jpg\" alt=\"\" width=\"1303\" height=\"716\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/a-new-outlook-on-pricing-and-revenue-management-for-banks.jpg 1303w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/a-new-outlook-on-pricing-and-revenue-management-for-banks-300x165.jpg 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/a-new-outlook-on-pricing-and-revenue-management-for-banks-1024x563.jpg 1024w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/a-new-outlook-on-pricing-and-revenue-management-for-banks-768x422.jpg 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/a-new-outlook-on-pricing-and-revenue-management-for-banks-696x382.jpg 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/a-new-outlook-on-pricing-and-revenue-management-for-banks-1068x587.jpg 1068w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/a-new-outlook-on-pricing-and-revenue-management-for-banks-764x420.jpg 764w\" sizes=\"auto, (max-width: 1303px) 100vw, 1303px\" \/><\/a><\/p>\n<p><strong>\uc5f0\uc18d\uc131\uc744 \ud68c\ubcf5\ud558\ub77c.<\/strong> \uc740\ud589\ub4e4\uc740 \uace0\uac1d\uc774 \ucd5c\ub300\ud55c \uc6d0\ud65c\ud558\uac8c \uc740\ud589\uc5c5\ubb34\ub97c \uc9c0\uc18d\ud560 \uc218 \uc788\ub3c4\ub85d \uc989\uc2dc \uc870\uce58\ub97c \ucde8\ud574\uc57c \ud55c\ub2e4. \uc751\ub300 \uc6b0\uc120\uc21c\uc704\ub97c \uc815\ud558\uae30 \uc704\ud574 \uc138\uadf8\uba3c\ud2b8\uc640 \uc0c1\ud488\uc5d0 \uac78\uccd0 \ub178\ucd9c\uc774 \uac00\uc7a5 \ub9ce\uc740 \uacf3\uc744 \uc2dd\ubcc4\ud574\uc57c \ud55c\ub2e4.<\/p>\n<p>\uad6c\uc81c\ucc45\uc744 \uc81c\uacf5\ud558\uace0 \uc815\ubd80\uc758 \uc0c8\ub85c\uc6b4 \uc720\ub3d9\uc131 \uc870\uce58(\uc608: \uc9c0\ubd88\uc720\uc608 \uae30\uac04)\ub97c \uc2e4\ud589\ud568\uc73c\ub85c\uc368 \uace0\uac1d\uc744 \uc9c1\uc811\uc801\uc73c\ub85c \ub3c4\uc6b8 \uc218 \uc788\uc73c\uba70, \uc5ec\ud0c0 PRM \ubcc0\uacbd\uc744 \ud1b5\ud574 \uace0\uac1d\uc758 \ud589\ub3d9\uc5d0 \uc601\ud5a5\uc744 \uc904 \uc218 \uc788\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc740\ud589\uc740 \ube44\ub300\uba74 \uac70\ub798\ub97c \ub298\ub9ac\uae30 \uc704\ud574 \ub2e4\uc591\ud55c \uc870\uce58\ub97c \ucde8\ud560 \uc218 \uc788\ub2e4. \uccab\uc9f8, \uaddc\uc81c\uae30\uad00 \ubc0f \uacb0\uc81c\uc11c\ube44\uc2a4 \uc5c5\uccb4\uc640 \ud611\ub825\ud558\uc5ec PIN\uc744 \ud544\uc694\ub85c \ud558\uc9c0 \uc54a\ub294 \uac70\ub798\ub97c \uc7a5\ub824\ud558\uace0 \ud55c\ub3c4\ub97c \ub192\uc77c \uc218 \uc788\ub2e4. \ub124\ub35c\ub780\ub4dc\ub294 \uc704\uae30 \uc0c1\ud669\uc5d0\uc11c \uace0\uac1d\uc744 \ub3d5\uae30 \uc704\ud574 \uc774\ubbf8 \uc774\ub7ec\ud55c \uac70\ub798 \ud55c\ub3c4\ub97c 25\uc720\ub85c\uc5d0\uc11c 50\uc720\ub85c\ub85c \uc0c1\ud5a5 \uc870\uc815\ud588\ub2e4. \ud3f4\ub780\ub4dc\ub3c4 \ube44\uc2b7\ud55c \uc870\uce58\ub97c \ucde8\ud588\ub2e4. \ub458\uc9f8, \uc740\ud589\uc740 \uce74\ub4dc \ub300\uc2e0 \uac70\ub798 \uae08\uc561\uc5d0 \uad00\uacc4\uc5c6\uc774 PIN \uc720\uc120 \uc2b9\uc778\uc774 \ud544\uc694 \uc5c6\ub294 \ubaa8\ubc14\uc77c \uc9c0\uac11\uc73c\ub85c\uc758 \uc804\ud658\uc744 \ud65c\uc131\ud654\ud558\uace0 \uc720\uc778\ucc45\uc744 \uc81c\uacf5\ud560 \uc218 \uc788\uc73c\uba70, \ub3d9\uc2dc\uc5d0 \uc18c\ube44\uc790\uc640 \uae30\uc5c5\uc744 \ub300\uc0c1\uc73c\ub85c \uc9c0\uc810\/\ud604\uae08\uac70\ub798 \uc218\uc218\ub8cc\ub97c \uc778\uc0c1\ud560 \uc218 \uc788\ub2e4.<\/p>\n<p>\uadf8 \uc678\uc5d0 \uc740\ud589\uc740 RM(relationship manager) \uc778\ub825\uc774 \ud5a5\ud6c4 \uc218\uac1c\uc6d4\uc744 \ud5e4\uccd0\ub098\uac08 \uc218 \uc788\ub3c4\ub85d \uc0c8\ub85c\uc6b4 \uc9c0\uce68\uc744 \uc124\uc815\ud558\uc5ec \uc11c\ube44\uc2a4 \uc218\uc900\uc744 \ud5a5\uc0c1\uc2dc\ud0ac \uc218 \uc788\ub2e4. \uac00\uc0c1\uacc4\uc57d\uc744 \ud65c\uc6a9\ud558\uac70\ub098, \ub514\uc9c0\ud138 \ucc44\ub110 \uc774\uc6a9 \uac00\ub2a5\uc131\uc774 \ub192\uc9c0 \uc54a\uc740 \uace0\uac00\uce58 \uace0\uac1d\uc5d0\uac8c \ubcf4\ub2e4 \uc801\uadf9\uc801\uc73c\ub85c \ub2e4\uac00\uac00\ub294 \uac83\uc744 \uc9c0\uce68\uc758 \uc608\ub85c \ub4e4 \uc218 \uc788\ub2e4.<\/p>\n<p>\uc774\ud558\uc758 \uc138 \ub2e8\uacc4\ub294 \uc0ac\uc6a9 \ub370\uc774\ud130, \uc758\uc0ac\uacb0\uc815 \uc18d\ub3c4\/\ubc29\uc2dd, \ubbf8\ub798\ub97c \uc5fc\ub450\uc5d0 \ub450\uace0 \uace0\uac1d \uc81c\uc548\uc744 \uc7ac\uad6c\uc131\ud558\uae30 \uc704\ud574 \uc778\uc0ac\uc774\ud2b8\ub97c \uc801\uc6a9\ud558\ub294 \ubc29\uc2dd \ub4f1, \uc740\ud589\uc758 \uace0\uae09\ubd84\uc11d \uc5ed\ub7c9\uc744 \uace0\ub3c4\ud654\ud558\ub294 \uc791\uc5c5\uc744 \uc218\ubc18\ud55c\ub2e4.<\/p>\n<p><strong>\uace0\uac1d \uc218\uc900\uc758 \ub300\uc751\ucc45\uc744 \ud3ed\ub113\uac8c \uc801\uc6a9\ud558\ub77c.<\/strong> \uc740\ud589\uc740 \uc720\ub3d9\uc131 \ubc0f \uc2e0\uc6a9\uc704\ud5d8\uacfc \uac19\uc740 \uc9c0\ud45c\uc640 \uc2dc\uac04\uacbd\uacfc\uc5d0 \ub530\ub978 \uc774\ub4e4 \uc9c0\ud45c\uc758 \ubcc0\ud654\ub97c \ud3ec\ud568\ud558\uc5ec \uac01 \uace0\uac1d\uc5d0 \ub300\ud55c \uc704\uae30\uc758 \uc601\ud5a5\uc744 \uc2e0\uc18d\ud558\uac8c \ud3c9\uac00\ud574\uc57c \ud55c\ub2e4. \ud3c9\uade0 \ub370\uc774\ud130\ub9cc \ubcf4\ub294 \uac83\ubcf4\ub2e4\ub294 \uace0\uae09\ubd84\uc11d\uc744 \uc0ac\uc6a9\ud558\uc5ec \ub2e4\uc218 \uc9c0\ud45c\uc5d0 \uac78\uccd0 \uac1c\ubcc4 \uace0\uac1d\uc758 \ubd84\ud3ec\ub97c \uc0b4\ud3b4\ubcf4\ub294 \uac83\uc774 \ub0ab\ub2e4. \uc774\ub7ec\ud55c \uc138\ubd84\ud654\ub41c \uc811\uadfc\ubc95\uc744 \ub3c4\uc785\ud558\uae30 \uc704\ud574 \ub2f9\uc88c\uc608\uae08 \uac70\ub798 \ubc0f \ud604\uae08\ud750\ub984\uc5d0\uc11c \ubc1c\uc0dd\ud558\ub294 \uc2e4\uc2dc\uac04 \ub370\uc774\ud130\uc640 \ud568\uaed8 \uc0b0\uc5c5 \ubc0f \uc9c1\uc5c5 \uac04 \ucc28\uc774\ub97c \uc774\ud574\ud558\uae30 \uc704\ud574 \uc740\ud589\uc790\uccb4\uc758 \uc0b0\uc5c5\ubd80\ubb38\ubcc4 \uc9c0\uc2dd\uc744 \ud65c\uc6a9\ud560 \uc218 \uc788\ub2e4. \uc9c0\ud45c \ubcc4 \uace0\uac1d \ubd84\ud3ec\ub97c \uae30\ubc18\uc73c\ub85c \uc740\ud589\uc740 \uc704\ud5d8\uc744 \uacbd\uac10\ud558\uace0 \uace0\uac1d\uad00\uacc4\ub97c \uac15\ud654\ud558\uae30 \uc704\ud55c \uc870\uce58\ub97c \uc815\uc758\ud560 \uc218 \uc788\ub2e4. \uc774\ub7ec\ud55c \uc870\uce58\uc5d0\ub294 \uad50\ucc28\ud310\ub9e4, \uc790\ubb38 \uc11c\ube44\uc2a4 \ubc0f \ub300\uc678 \ubd80\ucc44 \ud1b5\ud569\ubfd0 \uc544\ub2c8\ub77c \ucd94\uc2ec \uac00\uc18d\ud654, \uc57d\uc815\uc870\uac74 \uc7ac\uad6c\uc131, \uc0c1\ud658\uc720\uc608 \ub4f1\uc774 \ud3ec\ud568\ub41c\ub2e4. \uc774\ub4e4 \uc870\uce58\ub294 \uc790\ubb38\uc5ed\uc5d0\uc11c \ucf5c\uc13c\ud130, \uc774\uba54\uc77c \ubc0f \ubaa8\ubc14\uc77c \uc571\uc5d0 \uc774\ub974\uae30\uae4c\uc9c0 \ubaa8\ub4e0 \ucc44\ub110\uc5d0 \uac78\uccd0 \uc608\uc0c1\ud3c9\uc0dd\uac00\uce58\uac00 \uac00\uc7a5 \ub192\uc740 \uace0\uac1d\uc5d0\uac8c \uc6b0\uc120\uc21c\uc704\ub97c \ub450\uace0 \uc801\uc6a9\ub418\uc5b4\uc57c \ud55c\ub2e4. \uc774\ub97c \uc704\ud574 \uc740\ud589\uc740 \uac1c\ubcc4 \uace0\uac1d\uc758 \uc2e0\uc6a9\uc704\ud5d8, \uad6c\ub9e4 \uac00\ub2a5\uc131 \ubc0f \ubcf4\uc720 \ud655\ub960\uc744 \uc798 \uc774\ud574\ud558\uace0 \uc788\uc5b4\uc57c \ud55c\ub2e4.<\/p>\n<p><strong>\ub370\uc774\ud130 \uae30\ubc18 PRM \uc5ed\ub7c9\uc744 \uad6c\ud604\ud558\ub77c.<\/strong> \uc740\ud589\uc740 PRM \ubaa8\ub378\uc744 \uc870\uc815\ud558\uc5ec \ucd94\uc138\ud30c\uc545\uc744 \uc704\ud574 \u201c\ub9ac\ub4dc\u201d \ub370\uc774\ud130\ub77c\uace0 \ubd88\ub9ac\ub294 \uc9e7\uc740 \uc8fc\uae30\uc758 \ucd5c\uc2e0 \ub370\uc774\ud130\ub97c \uc0b4\ud3b4\ubd04\uc73c\ub85c\uc368 \uacfc\uac70 \uc778\uc0ac\uc774\ud2b8, \ub370\uc774\ud130 \ubc0f \ubca4\uce58\ub9c8\ud0b9 \uc815\ubcf4\uac00 \uc720\uc6a9\uc131\uc744 \uc783\ub294 \ubb38\uc81c\ub97c \ud574\uacb0\ud560 \uc218 \uc788\ub2e4. \uc774 \uc0c8\ub85c\uc6b4 \ub370\uc774\ud130 \uae30\ubc18 PRM\uc740 \uc9c0\uc18d\uc801\uc778 A\/B \ud14c\uc2a4\ud2b8\uac00 \uac00\ub2a5\ud558\uace0 \ucd08\ub2e8\uae30 \ucd5c\uc2e0\ub370\uc774\ud130\uc5d0 \ub300\ud55c \uc790\uccb4\ud559\uc2b5 \uc54c\uace0\ub9ac\uc998\uc744 \ud3ec\ud568\ud558\uba70 \uc678\ubd80 \ub370\uc774\ud130 \uc18c\uc2a4\ub97c \ud65c\uc6a9\ud560 \uc218 \uc788\ub2e4. \ub3d9\uc2dc\uc5d0 \uc774\ub7ec\ud55c \ubaa8\ub378\ub4e4\uc740 \ud604\uc7ac \uc704\uae30\ub97c \ub118\uc5b4 \uace0\uac1d\ud3c9\uc0dd\uac00\uce58 \uc804\uccb4\ub97c \uae30\ubc18\uc73c\ub85c \uc758\uc0ac\uacb0\uc815\uc5d0 \ud544\uc694\ud55c \uc815\ubcf4\ub97c \uc81c\uacf5\ud558\ub294 \uac83\uc744 \ubaa9\ud45c\ub85c \ud574\uc57c \ud55c\ub2e4. \uc740\ud589\ub4e4\uc740 \ub9de\ucda4\ud615 \uc11c\ube44\uc2a4\ub97c \uc704\ud55c \uc0c8\ub86d\uace0 \ucc28\ubcc4\ud654\ub41c \uc811\uadfc\ubc29\uc2dd\uc744 \uad6c\ud604\ud560 \uc808\ud638\uc758 \uae30\ud68c\uac00 \uc788\ub2e4.<\/p>\n<p>\uadf8\ub7ec\ub098 \uc740\ud589\ub4e4\uc740 \uae30\uc874 \ud504\ub85c\uc138\uc2a4\ub97c \uc7ac\uace0\ud558\uace0 \ubcc0\uacbd\ud574\uc57c\ub9cc \uc131\uacf5\ud560 \uc218 \uc788\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \uac00\uaca9\uc124\uc815 \ubc0f \ud310\ucd09\uacfc \uac19\uc740 PRM \ud65c\ub3d9\uc5d0 \ub300\ud574 \uc5b4\ub5a4 \ubd80\uc11c\ub098 \ud300\uc774 \uc758\uc0ac\uacb0\uc815\uad8c\uc744 \uac00\uc9c0\ub294\uc9c0 \uac80\ud1a0\ud574\uc57c \ud560 \uc218\ub3c4 \uc788\ub2e4. \ub610\ud55c \uc2e4\ud589\uc18d\ub3c4\ub97c \uad00\ub9ac\ud558\uba74\uc11c \ub3d9\uc2dc\uc5d0 \uc704\uae30\uae30\uac04 \ub3d9\uc548\uc758 \uc2e0\uc18d\ud55c \ub300\uc751\uacfc \ud6a8\uacfc \uc788\ub294 \uc870\uce58\uc758 \uc81c\ub3c4\ud654\/\ud655\uc7a5\/\uac15\ud654 \uc0ac\uc774\uc758 \uade0\ud615\uc744 \uc720\uc9c0\ud574\uc57c \ud55c\ub2e4.<\/p>\n<p><strong>\ubbf8\ub798\ub97c \uc704\ud55c \uace0\uac1d\uc81c\uc548\uc744 \ud655\ub9bd\ud558\ub77c.<\/strong> \ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uc740\ud589\uc740 \ub514\uc9c0\ud138 \ucc44\ub110\ub85c\uc758 \uc804\ud658 \ucd09\uc9c4\ubfd0 \uc544\ub2c8\ub77c \ud604\uae08 \ubc0f \ub300\uba74\uc811\ucd09 \uac10\uc18c\uc5d0 \ub300\uc751\ud558\uae30 \uc704\ud558\uc5ec \uace0\uac1d \uc81c\uc548\uc744 \uc7ac\uc124\uacc4\ud574\uc57c \ud55c\ub2e4. \uac00\uaca9 \uad6c\uc870\/\uc218\uc900, \uc0c1\ud488 \ud2b9\uc9d5\/\uae30\ub2a5, \uace0\uac1d \uacbd\ud5d8\/\uc0ac\uc6a9\uc790 \uc778\ud130\ud398\uc774\uc2a4\uc758 \uc138 \uac00\uc9c0 \uc601\uc5ed\uc774 \uc7ac\uc124\uacc4\ub41c\ub2e4. \uadf8\ub7ec\ub098 \uacfc\uac70\uc5d0 \uc774\ub7ec\ud55c \uc131\uaca9\uc758 \ubcc0\ud654\uac00 \uc77c\uc5b4\ub0ac\uc744 \ub54c\uc640\ub294 \ub2ec\ub9ac \ub300\ubd80\ubd84\uc758 \uc740\ud589\uc774 \ubaa8\ub4e0 \uc900\ube44\uac00 \uc644\ub8cc\ub420 \ub54c\uae4c\uc9c0 \uae30\ub2e4\ub838\ub2e4\uac00 \ub300\uaddc\ubaa8\ub85c \ud55c \ubc88\uc5d0 \ubcc0\ud654\ub97c \uc2dc\uc791\ud560(Big Bang) \uc5ec\uc720\uac00 \uc5c6\ub2e4. \uc704\uae30 \uc0c1\ud669\uc5d0\uc11c \uc2e0\uc18d\ud55c \uc758\uc0ac\uacb0\uc815\uc774 \uc694\uad6c\ub428\uc5d0 \ub530\ub77c \uc740\ud589\uc740 \uc774\ub2c8\uc154\ud2f0\ube0c\ub97c \uc791\uc740 \uaddc\ubaa8\uc758 \ub2e8\uae30\uc9d1\uc911\uacfc\uc81c(sprint)\ub85c \ub098\ub204\uc5b4 \ucd94\uc9c4\ud568\uc73c\ub85c\uc368 \uacfc\uac70\ubcf4\ub2e4 \ub354 \ube60\ub974\uac8c \ubcc0\ud654\ub97c \ub3c4\uc785\ud560 \uc218 \uc788\ub2e4. \uadf8 \uc911 \uc77c\ubd80\ub294 \ub9e4\uc6b0 \ube60\ub974\uace0 \uc27d\uac8c \uc644\uc218\ub420 \uc218\ub3c4 \uc788\uc73c\uba70 \uc880 \ub354 \ubcf5\uc7a1\ud55c \uc131\uc9c8\uc758 \uac83\ub4e4\uc740 \uad6c\uccb4\uc801 \uc2e4\ud589\uae4c\uc9c0 \uc2dc\uac04\uc774 \ub354 \uc18c\uc694\ub420 \uc218\ub3c4 \uc788\ub2e4.<\/p>\n<h3><strong>\uc218\uc775\ubaa8\ub378\uacfc \uc0ac\uc5c5\ubaa8\ub378 \uc7ac\uace0<\/strong><\/h3>\n<p>\uc0c8\ub85c\uc6b4 \ud604\uc2e4\uc774 \ub3c4\ub798\ud568\uc5d0 \ub530\ub77c \uc740\ud589\uc740 \uc704\uae30\uac00 \ucd08\ub798\ud558\ub294 \uc601\uad6c\uc801 \ubcc0\ud654\uc5d0 \ub300\uc751\ud558\uae30 \uc704\ud558\uc5ec \ub300\ub2f4\ud558\uac8c \uc804\uccb4 \uc218\uc775\ubaa8\ub378 \ubc0f \uc0ac\uc5c5\ubaa8\ub378\uc744 \uc7ac\uace0\ud560 \uc900\ube44\ub97c \ud574\uc57c \ud55c\ub2e4. \uc774\uc5d0 \ub530\ub978 \ubcc0\ud654 \uc911 \uac00\uc7a5 \uc8fc\ubaa9\ud560\ub9cc\ud55c \uac83\uc740 \uc544\ub9c8\ub3c4 \ub514\uc9c0\ud138\ud654 \uad6c\ud604 \uc77c\uc815\uc758 \uc0c1\ub2f9\ud55c \ub2e8\ucd95\uc77c \uac83\uc774\ub2e4. \ub514\uc9c0\ud138\ud654 \ucd94\uc138\ub85c \uc778\ud574 \uc740\ud589\uc740 \uac70\ub798 \ud589\ub3d9\uc5d0 \ub530\ub978 \ub300\uccb4\uc218\uc218\ub8cc \uc218\uc775\uc744 \uc99d\ub300\ud560 \uc218 \uc788\uc73c\uba70 \uc624\ud508 \ubc45\ud0b9 \uae30\ubc18 \uc11c\ube44\uc2a4 \ubc0f \uad00\ub828 \uc218\uc775\ucc3d\ucd9c\uc744 \uac00\uc18d\ud654\ud560 \uc218 \uc788\ub2e4. \ub610\ud55c \uace0\ub3c4\ud654\ub41c \ub370\uc774\ud130 \uc5ed\ub7c9\uc744 \ud1b5\ud574 \uc218\uc775\uc744 \ucc3d\ucd9c\ud560 \uc218 \uc788\ub2e4.<\/p>\n<p>\uc740\ud589\uc740 \ube44\ub300\uba74 \ub610\ub294 \uce74\ub4dc\ub97c \uc0ac\uc6a9\ud558\uc9c0 \uc54a\ub294 \uacb0\uc81c \uc194\ub8e8\uc158\uc5d0 \ub300\ud55c \uc218\uc694\uc99d\uac00\ub85c \uc778\ud574 \uc81c\ud488\uad70 \ubcc0\ud654\ub97c \uc608\uc0c1\ud560 \uc218 \uc788\ub2e4. \uad6d\uc81c\ubb34\uc5ed\uacfc \uc5ec\ud589\uc218\uc694\uc758 \ubc18\ub4f1 \uc591\uc0c1\uacfc \uc704\ud5d8 \ud68c\ud53c\ud615 \uace0\uac1d\ub4e4\uc758 \uc800\ucd95\uc131\ud5a5 \uac15\ud654\uc5d0 \ub530\ub77c \uad6d\uc81c\uac70\ub798 \uac74\uc218\uac00 \uac10\uc18c\ud560 \uac00\ub2a5\uc131\ub3c4 \uc788\ub2e4. \uc774\ub7ec\ud55c \ubcc0\ud654\ub294 \uc911\uc559\uc740\ud589\uacfc \uc815\ubd80\uc758 \uc870\uce58\ub85c \uc778\ud574 \ub300\ucd9c\uc2e4\ud589, \uc800\ucd95\uc218\uc694, \uc2a4\ud504\ub808\ub4dc\ub97c \ud3ec\ud568\ud55c \ubaa8\ub4e0 \uc8fc\uc694 \uae30\uc874 \uc218\uc785\uc6d0\uc5d0 \uc0c1\ub2f9\ud55c \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\ub2e4.<\/p>\n<p>\uc218\uc775\uc5d0 \ubbf8\uce58\ub294 \uc774\ub7ec\ud55c \uc601\ud5a5\uc744 \ud3c9\uac00\ud558\uc5ec \uc740\ud589\uc740 \uac10\ub2f9\ud560 \uc218 \uc788\ub294 \ube44\uc6a9\uc218\uc900\uacfc \uad6c\uc870\ub97c \ud30c\uc545\ud560 \uc218 \uc788\uc5b4\uc57c \ud558\uba70, \uc774\uc5d0 \ub530\ub77c \uc5b4\ub290 \uc815\ub3c4\ub85c \uc0ac\uc5c5\ubaa8\ub378 \ubc0f \uc6b4\uc601\ubaa8\ub378\uc744 \uc870\uc815\ud574\uc57c \ud558\ub294\uc9c0 \uac00\ub2a0\ud560 \uc218 \uc788\uc5b4\uc57c \ud55c\ub2e4. \uc870\uc815\uc758 \ubc94\uc704\ub294 \uc740\ud589\ub9c8\ub2e4 \ub9e4\uc6b0 \ub2e4\ub97c \uc218 \uc788\ub2e4. \ud540\ud14c\ud06c \ub4f1 \ub514\uc9c0\ud138 \uc911\uc2ec \uae30\uad00\uc740 \uc774\ubbf8 \uc0c8\ub85c\uc6b4 \ubbf8\ub798\uc5d0 \ub300\ube44\ud560 \uc900\ube44\uac00 \ub418\uc5b4\uc788\ub294 \ubc18\uba74, \uc804\ud1b5\uc801\uc778 \uc9c0\uc810 \uae30\ubc18 \uc740\ud589\ub4e4\uc740 \ubcf4\ub2e4 \uae09\uc9c4\uc801\uc778 \ubcc0\ud654\ub97c \uacaa\uc5b4\uc57c \ud55c\ub2e4. \uc18c\ub9e4 \uc740\ud589\uc740 \uc77c\uc0c1\uc801 \uc885\ud569(bundle) \uc740\ud589\uc11c\ube44\uc2a4\uc758 \ub17c\ub9ac, \ub0b4\uc6a9, \ucee4\ubba4\ub2c8\ucf00\uc774\uc158\uc5d0 \ub300\ud574 \uc7ac\uace0\ud568\uc73c\ub85c\uc368 \ud574\ub2f9 \uc11c\ube44\uc2a4\ub97c \uac04\uc18c\ud654\ud558\uace0 \ub3d9\uc2dc\uc5d0 \uc218\uc775\uc744 \ucc3d\ucd9c\ud560 \uc218 \uc788\ub294 \ud6a8\uacfc\uc801\uc778 \ubc29\uc548\uc744 \ubaa8\uc0c9\ud574\uc57c \ud560 \uc218\ub3c4 \uc788\ub2e4. \uc774\ub97c \uc704\ud574\uc11c\ub294 \ub2e8\uc21c\ud55c \u201c\uc591\ud638-\uc6b0\uc218-\ucd5c\uace0(good-better-best)\u201d \uc11c\ube44\uc2a4 \ubd84\ub958 \ub610\ub294 \ubb34\ub8cc \ubaa8\ub378\uc5d0\uc11c \ubc97\uc5b4\ub098\uc57c \ud55c\ub2e4.<\/p>\n<p>\uae30\uc5c5 \uace0\uac1d\uacfc \uc18c\uaddc\ubaa8 \uc0ac\uc5c5\uc790\ub97c \ub300\uc0c1\uc73c\ub85c \ud558\ub294 \uc740\ud589\uc740 \uace0\uac1d\uc758 \ud3c9\uc0dd\uac00\uce58\ub97c \uc885\ud569\uc801\uc73c\ub85c \ubc18\uc601\ud558\uae30 \uc704\ud574 \ub354 \ubbf8\uc138\ud55c \uace0\uac1d \uc138\ubd84\ud654\uac00 \ud544\uc694\ud560 \uc218 \uc788\ub2e4. \uc774\ub97c \ud1b5\ud574 \ud45c\uc900\ud654\ub41c \uac00\uaca9\uc73c\ub85c \ubc88\ub4e4 \uc11c\ube44\uc2a4\uc640 \ud568\uaed8 \ucc28\ubcc4\ud654\ub41c \uc0c1\ud488\uc744 \uc81c\uacf5\ud560 \uc218 \uc788\uc73c\uba70, \uc18c\uaddc\ubaa8 \uace0\uac1d\uacfc\uc758 \uac00\uaca9\ud611\uc0c1\uc758 \uc5ec\uc9c0\uac00 \uac70\uc758 \uc5c6\uc5b4\uc9c4\ub2e4. \uc790\uc0b0\uad00\ub9ac \ubd80\uc11c\ub294 \uc790\ubb38 \ubaa8\ub378\uc744 \uac15\ud654\ud558\uace0 \uc131\uacfc \uc218\uc218\ub8cc \ub4f1\uc744 \ubaa9\ud45c\ub85c \uac00\uaca9\uad6c\uc870\ub97c \uac80\ud1a0\ud560 \uc218 \uc788\ub294 \uae30\ud68c\ub97c \ud3ec\ucc29\ud560 \uc218\ub3c4 \uc788\ub2e4. \ub610\ud55c \ud654\uc0c1\ud68c\uc758 \uae30\ub2a5\uc744 \ucd94\uac00\ud558\uc5ec RM \uc778\ub825\uc744 \uc9c0\uc6d0\ud560 \uc218\ub3c4 \uc788\ub2e4. \ucf54\ub85c\ub09819 \uc704\uae30\ub85c \uc778\ud574 \uae30\uc5c5\uac00\ub4e4\uc774 \uc0ac\uc5c5\uc720\uc9c0\ub97c \ubaa9\uc801\uc73c\ub85c \uac1c\uc778\uc790\uc0b0\uc744 \uc0ac\uc6a9\ud558\ub824 \ud558\ub294 \uc2dc\uc810\uc5d0 \uc740\ud589\uc774 \uac1c\uc778 \ubc0f \uae30\uc5c5\uace0\uac1d \ub300\uc0c1 \uc81c\uc548\uc744 \uc5f0\uacc4\ud558\ub294 \uac83\uc774 \ub610\ud55c \uc911\uc694\ud574\uc9c8 \uc218 \uc788\ub2e4.<\/p>\n<h3><strong>\ubbf8\ub798\uc758 \uc131\uacf5<\/strong><\/h3>\n<p>\ub300\ubd80\ubd84\uc758 \uc740\ud589\uc5d0\uc11c \uae30\uc874 \ud504\ub85c\uc138\uc2a4, \uac70\ubc84\ub10c\uc2a4 \ubc0f \uc870\uc9c1\ubb38\ud654\ub294 \ubcf8\uace0\uc5d0\uc11c \ub2e4\ub8ec \uc870\uce58\ub4e4\uc744 \uc9c0\uc6d0\ud558\ub3c4\ub85d \uc124\uacc4\ub418\uc9c0 \uc54a\uc558\ub2e4. \ud574\ub2f9 \uc870\uce58\ub97c \uad6c\ud604\ud558\ub824\uba74 \ubcc0\ud654\uad00\ub9ac\uc5d0 \ub300\ud55c \uacbd\uc601\uc9c4\uc73c\ub85c\ubd80\ud130\uc758 \uba74\ubc00\ud788 \uacc4\ud68d\ub41c \ub178\ub825\uc774 \ud544\uc694\ud558\ub2e4. \uc6b4\uc601 \ud300\uc5d0\ub294 \ub9e4\ubc88 \uc870\uc9c1 \uc804\uccb4\uc758 \ud655\uc778, \uc2b9\uc778, \uc704\uc6d0\ud68c\ub97c \uac70\uce58\uc9c0 \uc54a\uace0\ub3c4 \uc9c0\uc18d\uc801\uc778 \ud14c\uc2a4\ud2b8\uc640 \ud559\uc2b5\uc744 \ud1b5\ud574 \uc804\uc220\uc801 \uac00\uaca9\uacb0\uc815\uc744 \ub0b4\ub9b4 \uc218 \uc788\ub294 \uad8c\ud55c\uc774 \uc8fc\uc5b4\uc838\uc57c \ud55c\ub2e4. \uc9c0\uc810 \ub610\ub294 \uc6d0\uaca9\uc73c\ub85c \uc790\ubb38\uc744 \uc81c\uacf5\ud558\ub294 \uc790\ubb38\uc5ed\uc740 \uc2e0\uaddc \ud234(\uc608: \uace0\uac1d\ubcc4 \ubaa9\ud45c\uac00\uaca9 \uc81c\uc2dc, \uad6c\uccb4\uc801 \uad50\ucc28\ud310\ub9e4 \uc624\ud37c)\uc744 \ucd5c\ub300\ud55c \ud65c\uc6a9\ud558\uae30 \uc704\ud55c \ub3d9\uae30\uac00 \ubd80\uc5ec\ub418\ub3c4\ub85d \uc740\ud589\uc758 \ubaa9\ud45c\uc640 \uc5f0\uacc4\ub41c KPI\uc640 \uc778\uc13c\ud2f0\ube0c \uc5c5\ub370\uc774\ud2b8\uac00 \ud544\uc694\ud558\ub2e4. \uc704\uae30\uac00 \uc9c4\uc815\ub41c \ud6c4 \uc131\uacf5\ud558\uae30 \uc704\ud574\uc11c \uc740\ud589\uc740 PRM \uc811\uadfc\ubc95\uc744 \uc9c0\uae08 \uc804\ud658\ud558\uace0, \uc774\ub97c \uc704\ud55c \uc774\ud558\uc758 4\uac00\uc9c0 \ub2e8\uacc4\ub97c \ubc1f\uc544\uc57c \ud55c\ub2e4.<\/p>\n<ul>\n<li><strong>\uc989\uc2dc \uc2e4\ud589\ud558\ub77c.<\/strong> \uc740\ud589\uc740 \uac00\uc7a5 \uae34\uae09\ud55c \uc6b0\uc120\uc21c\uc704\uc5d0 \ub300\uc751\ud574\uc57c \ud55c\ub2e4. \uace0\uac1d\uc758 \uc720\ub3d9\uc131 \uc694\uad6c\uc640 \ud3c9\uc0dd\uac00\uce58\uac00 \uac00\uc7a5 \uc911\uc694\ud558\ubbc0\ub85c \uc740\ud589\uc740 \uc0ac\ub840\ubcc4 \ub300\uc751\uc744 \uc704\ud574 \ucc28\ubcc4\ud654\ub41c \uc811\uadfc\ubc29\uc2dd\uc744 \ucde8\ud574\uc57c \ud55c\ub2e4. \ub610\ud55c \uc0c8\ub85c\uc6b4 \ud604\uc2e4 \ud558\uc5d0\uc11c\uc758 \uc2e0\uc18d\ub300\uc751\uc5d0 \ub300\ud55c \uc694\uad6c\ub97c \ucda9\uc871\ud558\uae30 \uc704\ud574 \ubd84\uc11d\uc5ed\ub7c9\uacfc \uc6b4\uc601\uc808\ucc28 \uace0\ub3c4\ud654\uc5d0 \ucc29\uc218\ud574\uc57c \ud55c\ub2e4.<\/li>\n<li><strong>\uc811\uadfc\ubc95\uc744 \uc804\ud658\ud558\uae30 \uc704\ud574 \uba85\ud655\ud55c \ube44\uc804\uacfc \ub85c\ub4dc\ub9f5\uc744 \uc0dd\uc131\ud558\ub77c.<\/strong> \uc774\ub294 \uc870\uc9c1\uc758 \uac15\ub825\ud55c \uc9c0\uc9c0\ub97c \uc5bb\ub3c4\ub85d \ud568\uc73c\ub85c\uc368, \ud300\uc774 \uc804\ud658\ubaa9\ud45c\uc5d0 \ub300\ud574 \uc8fc\uc778\uc758\uc2dd\uc744 \uac00\uc9c0\uace0 \ube60\ub978 \ubaa9\ud45c\uc2e4\ud604\uc744 \uc704\ud574 \ub178\ub825\ud558\ub3c4\ub85d \ud560 \uc218 \uc788\ub2e4. \uc740\ud589\uc740 \ubcc0\ud654\uc5d0 \ub300\ud55c \uc124\ub4dd\ub825 \uc788\ub294 \ub17c\ub9ac\uc640 \ud568\uaed8 \uc7a5\uae30\uc801 \ubaa9\ud45c\ub97c \uc124\uc815\ud568\uc73c\ub85c\uc368 \ud300\uc774 \uc790\uc728\uc801\uc73c\ub85c \uc560\uc790\uc77c \u201c\ud14c\uc2a4\ud2b8 \uc564 \ub7f0(test-and-learn)\u201d \uc811\uadfc\ubc95\uc744 \ud1b5\ud574 \ud574\ub2f9 \ubaa9\ud45c\ub97c \ud5a5\ud574 \uc804\uc9c4\ud558\uac8c \ud560 \uc218 \uc788\ub2e4.<\/li>\n<li><strong>\ub2e8\uae30\uc9d1\uc911\uacfc\uc81c(sprint)\ub97c \uc9c0\uc6d0\ud558\uae30 \uc704\ud574 \uc6b4\uc601\ubc29\uc2dd\uc744 \ubcc0\uacbd\ud558\ub77c.<\/strong> \u201c\ud14c\uc2a4\ud2b8 \uc564 \ub7f0\u201d \uc0ac\uace0\ubc29\uc2dd\uc758 \uc77c\ud658\uc73c\ub85c, \ub2e4\uae30\ub2a5 \ud300\uc740 \ub300\uaddc\ubaa8(Big Bang) \ucd9c\uc2dc \uc2dc\uc810\uc5d0 \uc815\uc810\uc5d0 \uc774\ub974\ub294 \uc804\ud1b5\uc801\uc778 \uc21c\ucc28\uc801 \uac1c\ubc1c\uc8fc\uae30\ub97c \ub530\ub974\uae30 \ubcf4\ub2e4\ub294 \ub2e8\uae30\uc9d1\uc911\uacfc\uc81c\ub97c \ud1b5\ud55c \ubc18\ubcf5\uc801 \ucd94\uc9c4\uc744 \ud574\uc57c \ud55c\ub2e4. \ube48\ubc88\ud55c \ubc18\ubcf5\uc744 \ud1b5\ud574 \ud300\uc740 \uc2e4\ud328\ub97c \ud1b5\ud574 \ubc30\uc6b0\uace0 \uc131\uacf5\uc0ac\ub840\ub97c \ub354 \ube60\ub974\uac8c \ud655\ub300\ud560 \uc218 \uc788\ub2e4. \uacb0\uacfc\uc801\uc73c\ub85c \ud574\ub2f9\uc870\uc9c1\uc740 \uc870\uae30\uc5d0 \ud6a8\uacfc\ub97c \uc2e4\ud604\ud558\uc5ec \uadf8 \uacfc\uc815\uc5d0\uc11c \ud655\ubcf4\ud55c \uc218\uc775\uacfc \ud559\uc2b5\uc744 \uc7ac\ud22c\uc790\ud560 \uc218 \uc788\ub2e4.<\/li>\n<li><strong>\ubd84\uc11d\/\ub514\uc9c0\ud138 \ud50c\ub7ab\ud3fc\uc758 \ubaa8\ub4e0 \uce21\uba74\uc744 \uc7ac\ud3b8\ud558\ub77c.<\/strong> \uace0\uae09\ubd84\uc11d \ubc0f \ub514\uc9c0\ud138 \ud50c\ub7ab\ud3fc\uc740 \ub370\uc774\ud130 \uacfc\ud559\uc790\uc640 \uc5d4\uc9c0\ub2c8\uc5b4\uc758 \uc601\uc5ed\uc73c\ub85c\ub9cc \uac04\uc8fc\ub418\ub294 \uacbd\uc6b0\uac00 \ub9ce\ub2e4. \ub370\uc774\ud130\uc5d0 \uae30\ubc18\ud55c \ub514\uc9c0\ud138 \uc811\uadfc\ubc29\uc2dd\uc744 \uc9c0\uc6d0\ud558\ub294 \uc2e0\uaddc\uae30\ub2a5\uc744 \uad6c\ucd95\ud560 \ub54c, \uc740\ud589\uc740 \ub610\ud55c \uc138\uadf8\uba3c\ud2b8, \uc0c1\ud488\uad00\ub9ac, \uc601\uc5c5\uc5d0 \uc774\ub974\uae30\uae4c\uc9c0 \ubaa8\ub4e0 \uae30\ub2a5\ubd80\ubb38\uc5d0 \uac78\uccd0 \uc0ac\uace0\ubc29\uc2dd\uc744 \ubc14\uafd4\uc57c \ud55c\ub2e4. \uc608\ub97c \ub4e4\uc5b4 A\/B \ud14c\uc2a4\ud2b8\ub97c \uc774\uc6a9\ud558\uc5ec \uc0c1\ud488\uc81c\uc548 \ub610\ub294 \uac00\uaca9\uc218\uc900\uc744 \ucd5c\uc801\ud654\ud558\ub294 \uac83\uc740 \uae30\uc220\uc801\uc778 \uc5ed\ub7c9\uc77c \ubfd0 \uc544\ub2c8\ub77c \ube44\ud310\uc801 \uc0ac\uace0\uc640 \ubaa8\ubc94\uc0ac\ub840 \ud30c\uc545\uc744 \uc7a5\ub824\ud558\ub294 \uc18c\ud504\ud2b8 \uc2a4\ud0ac\uc774\uae30\ub3c4 \ud558\ub2e4. \uc81c\ud488 \ud300\uc740 \u201c\uc2dc\uac04 \uacbd\uacfc\uc5d0 \ub530\ub77c \uc0c1\ud488\uc81c\uc548\uc744 \uc5b4\ub5bb\uac8c \ud560 \uac83\uc774\uba70 \uc9c0\uc18d\uc801 \uac1c\uc120 \ubc29\uc548\uc740 \ubb34\uc5c7\uc778\uac00?\u201d\ub77c\uace0 \uc790\ubb38\ud574\uc57c \ud558\uba70 \uc77c\uc120 \uc601\uc5c5\ud300\uc740 \u201c\uc2dc\uc2a4\ud15c\uc758 \uad8c\uc7a5\uac00\uaca9 \ub610\ub294 \ucc28\uc120\ucc45 \uc624\ud37c\ub97c \uc5bc\ub9c8\ub098 \uc2e0\ub8b0\ud560 \uc218 \uc788\ub294\uac00?\u201d\ub77c\ub294 \uc9c8\ubb38\uc744 \ub358\uc838\uc57c \ud55c\ub2e4. \uc774\ub7ec\ud55c \uc9c8\ubb38\uc744 \ud558\uace0 \ub2f5\uc744 \ubaa8\uc0c9\ud568\uc73c\ub85c\uc368 \ud300\uc740 \ud504\ub85c\uc138\uc2a4\uc640 \uc131\uacfc\uc5d0 \ub300\ud574 \uc790\uc2e0\uac10\uc744 \ud0a4\uc6b8 \uc218 \uc788\ub2e4.<\/li>\n<\/ul>\n<p>\uc0c8\ub85c\uc6b4 \ubbf8\ub798\ub97c \uc704\ud55c PRM \uc900\ube44\ub294 \uc704\uae30\uc5d0 \ub300\ud55c \uc740\ud589\uc758 \ub300\uc751\ucc45\uc758 \uc5ec\ub7ec \uce21\uba74 \uc911 \ud558\ub098 \uc77c \ubfd0\uc774\ub2e4. \uadf8\ub7ec\ub098 \ub2e8\uae30\uc801 \uc704\ud5d8\uc744 \uc644\ud654\ud560 \uc218 \uc788\ub294 \uae30\ud68c\ub294 \uc740\ud589\uc774 \uc989\uc2dc \ud589\ub3d9\uc744 \ucde8\ud558\uc9c0 \uc54a\ub294 \ud55c \ube60\ub974\uac8c \uc0ac\ub77c\uc9c8 \uac83\uc774\ub2e4. \uc138\uadf8\uba3c\ud2b8, \uc9c0\ub9ac\uc801 \uc704\uce58 \ubc0f \uace0\uac1d \uae30\ubc18\uc5d0 \ub530\ub77c \uc740\ud589\uc740 \uc704\uae30\uac00 \uc804 \uc138\uacc4\uc758 \uacbd\uc81c\ud658\uacbd\uc744 \uc7ac\uad6c\uc131\ud558\ub294 \ub2e4\uc591\ud55c \ud615\ud0dc\uc5d0 \ub300\uc751\ud558\uae30 \uc704\ud574 \uc5ec\ub7ec \ucc28\ubcc4\ud654\ub41c \uc870\uce58\uac00 \ud544\uc694\ud560 \uac83\uc774\uba70 \ud5a5\ud6c4 \uba87 \uac1c\uc6d4, \uadf8\ub9ac\uace0 \uba87 \ub144\uc5d0 \uac78\uccd0 \uc62c\ubc14\ub978 \ubc29\ud5a5\uc73c\ub85c \ub098\uc544\uac00\uc57c \ud560 \uac83\uc774\ub2e4.<\/p>\n<p><a href=\"https:\/\/www.bcg.com\/publications\/2020\/covid-19-causes-a-new-outlook-on-pricing-and-revenue-for-banks.aspx\" target=\"_blank\" rel=\"noopener\">\uc6d0\ubb38(\uc601\uc5b4) \ubcf4\ub7ec\uac00\uae30<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc740\ud589\uc5c5\uacc4\ub294 \uc2ec\uac01\ud55c \ucf54\ub85c\ub09819 \uc704\uae30\uc758 \uc9c1\uac04\uc811\uc801 \uc601\ud5a5\uc744 \uc544\uc9c1 \uc644\uc804\ud788 \ub5a8\uccd0\ub0b4\uc9c0 \ubabb\ud588\ub2e4. \uc790\ubcf8\uc2dc\uc7a5 \ub454\ud654\ub85c \uc6b4\uc6a9 \uc911\uc778 \uace0\uac1d\uc790\uc0b0\uc758 \uac00\uce58\uac00 \uac10\uc18c\ud558\uba70 \uc790\uc0b0\uad00\ub9ac \uc218\uc775\uc774 \ud558\ub77d\ud588\ub2e4. \uc804 \uc138\uacc4\uc758 \uc790\ud0dd\ub300\ud53c\ub839 \ubc0f \ubd09\uc1c4\uc870\uce58\ub294 \uae30\uc5c5\uae08\uc735 \uc740\ud589\uc5d0\uc11c \ub300\ucd9c\uc2e0\uccad \uc99d\uac00\ub85c \uc774\uc5b4\uc84c\uc9c0\ub9cc, \uae30\uc5c5\ub4e4\uc774 \ubd80\uc871\ubd84\uc744 \ud574\uc18c\ud558\uae30 \uc704\ud574 \ud604\uae08\uc744 \ud544\uc694\ub85c \ud558\ubbc0\ub85c \uc2e0\uc6a9\uc704\ud5d8\ub3c4 \ud568\uaed8 \uc99d\uac00\ud588\ub2e4.<\/p>\n","protected":false},"author":1,"featured_media":1659,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[47],"tags":[],"class_list":{"0":"post-2215","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-covid19"},"_links":{"self":[{"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/posts\/2215","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/comments?post=2215"}],"version-history":[{"count":0,"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/posts\/2215\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/media\/1659"}],"wp:attachment":[{"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/media?parent=2215"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/categories?post=2215"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/tags?post=2215"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}