{"id":2395,"date":"2020-06-22T15:02:49","date_gmt":"2020-06-22T06:02:49","guid":{"rendered":"https:\/\/bcgblog.kr\/?p=2395"},"modified":"2020-08-14T09:00:24","modified_gmt":"2020-08-14T00:00:24","slug":"global-wealth-2020-the-future-of-wealth-management","status":"publish","type":"post","link":"https:\/\/bcgblog.kr\/global-wealth-2020-the-future-of-wealth-management\/","title":{"rendered":"2020\ub144 \uae00\ub85c\ubc8c \uc6f0\uc2a4\u201420\ucc28 \ubcf4\uace0\uc11c: \uc790\uc0b0\uad00\ub9ac\uc758 \ubbf8\ub798\u2014CEO \uc544\uc820\ub2e4"},"content":{"rendered":"<h3><strong>\ub4e4\uc5b4\uac00\uba70<\/strong><\/h3>\n<h4><strong>\uacfc\uac70 20\ub144\uc744 \ub3cc\uc544\ubcf4\uace0 \ubbf8\ub798\ub97c \ub0b4\ub2e4\ubcf4\uae30<\/strong><\/h4>\n<ul>\n<li>\ubd80\uc758 \uc99d\uac00\ub294 \uc5ec\ub7ec \ucc28\ub840 \uc704\uae30\ub97c \uac70\uce58\uba74\uc11c\ub3c4 \ud68c\ubcf5\ub825\uc744 \ubcf4\uc774\uba70 \uc9c0\uc18d\ub428<\/li>\n<li>\uacbd\uc81c\uc131\uc7a5\uc73c\ub85c \ub354 \ub9ce\uc740 \uc8fc\uccb4\uac00 \ubd80\uc758 \ud655\ub300\ub97c \uacbd\ud5d8\ud568<\/li>\n<li>\ucf54\ub85c\ub09819\ub85c\ubd80\ud130\uc758 \ud68c\ubcf5\uc774 \ud5a5\ud6c4 \uc218\ub144\uac04 \uc131\uc7a5\uc744 \uacb0\uc815\uc9d3\uac8c \ub420 \uac83<\/li>\n<li>\uc131\uc7a5\uc2dc\uc7a5\uc774 \uc131\uc219\uc2dc\uc7a5\uc744 \uc55e\uc9c0\ub97c \uac83\uc73c\ub85c \uc608\uc0c1\ub428<\/li>\n<li>\uc5ed\uc678 \uc790\uc0b0 \ud328\ud134\uc758 \uc9c0\uc18d\uc801 \ubcc0\ud654\uac00 \uc608\uc0c1\ub428<\/li>\n<\/ul>\n<h4><strong>\uc790\uc0b0\uad00\ub9ac\uc758 \ud5a5\ud6c4 20\ub144<\/strong><\/h4>\n<ul>\n<li>\ubbf8\ub798\uc758 \uace0\uac1d\uc740 \uc790\uc0b0\uc744 \ud1b5\ud574 \ub354 \ub9ce\uc740 \uac83\uc744 \uc6d0\ud558\uac8c \ub420 \uac83<\/li>\n<li>\uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 \ub3c4\uc804\uacfc\uc81c\uc5d0 \ub9de\uc11c\uc57c \ud568<\/li>\n<li>\uc790\uc0b0\uad00\ub9ac \uc5c5\uacc4 \uad6c\ub3c4\uc758 \uc7ac\ud3b8\uc774 \uc608\uc0c1\ub428<\/li>\n<li>\ub2e4\uc591\ud55c \ubaa8\ub378\uc774 \uc874\uc7ac\ud558\uba70, \uc774\ub4e4\uc740 \uacf5\ud1b5\uc801\uc73c\ub85c \uc0dd\ud0dc\uacc4\ub97c \uad6c\uc131\ud558\uac8c \ub420 \uac83\uc784<\/li>\n<\/ul>\n<h4><strong>\uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac CEO\uc758 \uc544\uc820\ub2e4<\/strong><\/h4>\n<ul>\n<li>\uc218\uc775 \ubcf4\ud638<\/li>\n<li>\ubbf8\ub798\uc758 \uc131\uacf5<\/li>\n<li>\uc5ed\ub7c9 \uad6c\ucd95<\/li>\n<\/ul>\n<h4><strong>\ub3d9 \ubcf4\uace0\uc11c\uc758 \ubc29\ubc95\ub860<\/strong><\/h4>\n<hr \/>\n<h3><strong>\ub4e4\uc5b4\uac00\uba70<\/strong><\/h3>\n<p>\uc790\uc0b0\uad00\ub9ac \uc5c5\uacc4\uc758 \uc5ed\uc0ac\ub294 200\ub144\uc774 \ub118\ub294\ub2e4. \uadf8\ub7ec\ub098 \ub300\ubd80\ubd84\uc758 \uae30\uac04 \ub3d9\uc548 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 \uc77c\ub960\uc801\uc778 \uc77c\ubc18\uc801 \uc804\ub7b5\uc5d0 \ub530\ub77c \uc790\uc0b0\uc744 \uad00\ub9ac\ud574 \uc654\ub2e4. \uc9c0\ub09c 20\ub144 \ub3d9\uc548\uc758 \uac70\ub300\ud55c \ub514\uc9c0\ud138 \ud601\uc2e0 \ubc0f \uaddc\uc81c \ubcc0\ud654\ub97c \ud1b5\ud574 \uc5c5\uacc4\uc758 \uc0ac\uc5c5\ubaa8\ub378\uc774 \uac1c\ud3b8\ub418\uae30 \uc2dc\uc791\ud588\ub2e4. \uc99d\uac70\uc790\ub8cc\uc5d0 \ub530\ub974\uba74 \ub300\ub2e4\uc218 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\uc758 \ub300\uc751\uc774 \ub354\ub514\uac8c \uc774\ub8e8\uc5b4\uc84c\uc73c\uba70 \uc5ec\uc804\ud788 \uc0c1\ub2f9\uc218\uc758 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\uac00 \uc804\ud1b5\uc801\uc778 \ud504\ub77c\uc774\ube57 \ubc45\ud0b9 \ubc29\uc2dd\uc744 \uace0\uc218\ud558\uace0 \uc788\ub2e4 (\ub3c4\ud45c \ucc38\uc870).<\/p>\n<p>\uc911\uc694 RM \uc778\ub825\uacfc \uace0\uac1d\uc744 \uc783\uc744 \uc218 \uc788\ub2e4\ub294 \ub450\ub824\uc6c0, \ud558\uc774 \ud130\uce58(high-touch) \ubaa8\ub378\uc774 \uc131\uacf5\uc2e4\ud604\uc5d0 \ud544\uc218\uc801\uc774\ub77c\ub294 \ubbff\uc74c, \uc5c5\uccb4\ub4e4\uc774 \uc870\uc18d\ud558\uac8c \uc5b4\ub824\uc6b4 \uc758\uc0ac\uacb0\uc815\uc744 \ud558\uc9c0 \uc54a\uc544\ub3c4 \ub418\uac8c \ub9cc\ub4e0 10\ub144\uac04\uc758 \uc2dc\uc7a5 \ud638\ud669 \ub4f1\uc774 \ubcc0\ud654\uc758 \uc8fc\uc694 \uc7a5\uc560\ubb3c\ub85c \uc791\uc6a9\ud588\ub2e4. \uc790\uc0b0 \ubc0f \uace0\uac1d \uae30\ubc18\uc774 \ud06c\uac8c \uc99d\uac00\ud588\uc9c0\ub9cc \uc5c5\uacc4\uc758 \uc218\uc775 \ud480\uc740 10\ub144 \uc804\uacfc \ud070 \ucc28\uc774\uac00 \uc5c6\uc73c\uba70, 2007\ub144 1,300\uc5b5 \ub2ec\ub7ec\uc5d0 \ube44\ud574 2019\ub144\uc5d0\ub294 1,350\uc5b5 \ub2ec\ub7ec\uc5d0 \ub3c4\ub2ec\ud558\ub294 \ub370 \uadf8\ucce4\ub2e4.<\/p>\n<p>\ucf54\ub85c\ub09819\uc758 \uc138\uacc4\uc801 \ub300\uc720\ud589\uc740 \uadf8 \uce58\uba85\uc801\uc778 \uc601\ud5a5\uc744 \uace0\ub824\ud560 \ub54c \uacbd\uac01\uc2ec\uc744 \ubd88\ub7ec\uc77c\uc73c\ud0a8\ub2e4. \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub4e4\uc740 \uacbd\uac01\uc2ec\uc744 \uac00\uc9c0\uace0 \uc774\ubbf8 \uc624\ub798 \uc804\uc5d0 \uc2dc\uc791\ud574\uc57c \ud588\ub358 \uac1c\uc120 \ub178\ub825\uc744 \ub2e4\uc2dc \uae30\uc6b8\uc5ec\uc57c \ud55c\ub2e4.<\/p>\n<p>\uc62c\ud574\ub294 BCG\uac00 \uae00\ub85c\ubc8c \uc6f0\uc2a4 \ubcf4\uace0\uc11c(Global Wealth Report)\ub97c \ubc1c\ud45c\ud558\uae30 \uc2dc\uc791\ud55c \uc9c0 20\uc8fc\ub144\uc774 \ub418\ub294 \ud574\uc774\ub2e4. 20\ub144 \ub3d9\uc548 BCG\uac00 \ucd95\uc801\ud55c \ub370\uc774\ud130\uc640 \uad00\uc810\uc744 \ud1b5\ud574 \ubd80\uc758 \uc99d\uac00\uc758 \ud2b9\uc9d5\uc5d0\uc11c \uc911\uc694\ud55c \ud328\ud134\uc744 \ub3c4\ucd9c\ud560 \uc218 \uc788\uc73c\uba70, \uc55e\uc73c\ub85c \uba87 \ub144 \ub3d9\uc548\uc758 \uc804\ub9dd\uc744 \uc608\uce21\ud560 \uc218 \uc788\ub2e4.<\/p>\n<p><a href=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_1.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2396\" src=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_1.jpg\" alt=\"\" width=\"1016\" height=\"763\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_1.jpg 1016w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_1-300x225.jpg 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_1-768x577.jpg 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_1-696x523.jpg 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_1-559x420.jpg 559w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_1-80x60.jpg 80w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_1-265x198.jpg 265w\" sizes=\"auto, (max-width: 1016px) 100vw, 1016px\" \/><\/a><\/p>\n<p>\uc9c0\ub09c 20\ub144 \ub3d9\uc548 \ubd80\uc758 \uc99d\uac00\uc5d0\uc11c \ub450\ub4dc\ub7ec\uc9c4 \ud2b9\uc9d5 \uc911 \ud558\ub098\ub294 \ud0c1\uc6d4\ud55c \ud68c\ubcf5\ub825\uc774\uc5c8\ub2e4. \uc5ec\ub7ec \ucc28\ub840\uc758 \uc704\uae30\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0, \ubd80\uc758 \uc131\uc7a5\uc740 \uacac\uc2e4\ud558\uac8c \uc9c0\uc18d\ub418\uc5c8\uc73c\uba70, \uac00\uc7a5 \uc2ec\uac01\ud55c \uc555\ubc15\ub3c4 \uacac\ub514\uba70 \ud68c\ubcf5\ud588\ub2e4. \uc624\ub298\ub0a0\uc5d0\ub294 \ub354 \ub9ce\uc740 \uc790\uc0b0\uc744 \ub354 \ub9ce\uc740 \uc8fc\uccb4\uac00 \ubcf4\uc720\ud558\uace0 \uc788\uc73c\uba70, 21\uc138\uae30 \ucd08\ubc18\uc5d0 \uc131\uc219\uc2dc\uc7a5\uacfc \uc131\uc7a5\uc2dc\uc7a5 \uac04 \ubd80\uc758 \uaca9\ucc28\uac00 \uae09\uaca9\ud788 \uc904\uc5b4\ub4e4\uc5c8\ub2e4. \uc9c0\ub09c 20\ub144 \ub3d9\uc548 \uc804 \uc138\uacc4 \uac1c\uc778 \uae08\uc735\uc790\uc0b0\uc740 1999\ub144 80\uc870 \ub2ec\ub7ec\uc5d0\uc11c 2019\ub144 \ub9d0 226\uc870 \ub2ec\ub7ec\ub85c \uac70\uc758 3\ubc30 \uc99d\uac00\ud588\ub2e4.<\/p>\n<p>\uadf8\ub7fc\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0, \uc804\uc138\uacc4 \ubd80\uc720\uce35 \uace0\uac1d\uc5d0\uac8c \ud6a8\uacfc\uc801\uc73c\ub85c \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\ub294 \uac83\uc740 \uc55e\uc73c\ub85c \uba87 \ub144 \uc548\uc5d0 \ud6e8\uc52c \ub354 \ubcf5\uc7a1\ud574\uc9c8 \uac83\uc774\ub2e4. \ubd80\uc720\uce35 \uace0\uac1d\uc758 \uc778\uad6c\ud1b5\uacc4\ud559\uc801 \uad6c\uc131\uc774 \ubcc0\ud654\ud568\uc5d0 \ub530\ub77c \uace0\uac1d\uc758 \uc694\uad6c\uc640 \uae30\ub300\ub3c4 \ubcc0\ud560 \uac83\uc774\ub2e4. \ub610\ud55c 21\uc138\uae30 \ucd08\ubc18\uc5d0 \ub4f1\uc7a5\ud55c \uac70\ub300\ud55c \ubcc0\ud654\uc758 \ub3d9\uc778\uc774 \uac00\uc18d\ud654\ud558\uace0 \uc788\ub2e4. \ub514\uc9c0\ud138\ud654\ub85c \uc790\uc0b0\uad00\ub9ac \uc0ac\uc5c5\uc5d0 \ub300\ud55c \uc9c4\uc785\uc7a5\ubcbd\uc774 \ub0ae\uc544\uc9d0\uc5d0 \ub530\ub77c \uacbd\uc7c1\uc774 \uc2ec\ud654\ub418\uace0 \uacfc\uac70\uc758 \ucc28\ubcc4\ud654\ub41c \uc11c\ube44\uc2a4\ub294 \ud754\ud574\uc9c8 \uac83\uc774\ub2e4.<\/p>\n<p>20\uc8fc\ub144\uc744 \ub9de\uc774\ud558\uc5ec \uc62c\ud574\uc758 \ubcf4\uace0\uc11c\ub294 \uc9c0\ub09c 20\ub144\uc744 \ub3cc\uc544\ubcf4\uace0 \ub3d9\uc2dc\uc5d0 2040\ub144\uc744 \ub0b4\ub2e4\ubcf4\uba70 \uacfc\uac70\uc640 \ubbf8\ub798\uc758 20\ub144\uc744 \ub2e4\ub8ec\ub2e4. 97\uac1c \uc2dc\uc7a5\uc744 \ud3ec\uad04\ud558\ub294 \uae00\ub85c\ubc8c \uc2dc\uc7a5\uaddc\ubaa8 \uac80\ud1a0\ub97c \ud1b5\ud574 \uc0c1\uc138\ud55c \uacfc\uac70 \ucd94\uc774\ub97c \uc0b4\ud3b4\ubcfc \uc218 \uc788\ub2e4. \ub610\ud55c \ubcf4\uace0\uc11c\uc5d0\uc11c\ub294 \ucf54\ub85c\ub09819 \uc704\uae30\uc758 \uc7a0\uc7ac\uc801\uc778 \uc7a5\uae30\uc801 \uc601\ud5a5\uc744 \ud3c9\uac00\ud558\uace0 \uc790\uc0b0\uc131\uc7a5\uc758 \ud68c\ubcf5\ub825\uc774 \uc9c0\uc18d\ub420\uc9c0 \uc608\uc0c1\ud55c\ub2e4.<\/p>\n<p>\uc62c\ud574 \ubcf4\uace0\uc11c\uc5d0\ub294 \ub610\ud55c \uace0\uac1d, \uc804\ubb38\uac00, \uc80a\uc740 \uc138\ub300 \ubc0f \uc0b0\uc5c5 \uc804\ubb38\uac00\uc640\uc758 \uc544\uc774\ub514\uc5d0\uc774\uc158 (ideation) \uc138\uc158 \ubc0f \uc778\ud130\ubdf0\ub97c \uae30\ubc18\uc73c\ub85c \ub3c4\ucd9c\ub41c \uc790\uc0b0\uad00\ub9ac\uc758 \ubbf8\ub798\uc5d0 \ub300\ud55c \ube44\uc804\uc744 \uc81c\uc2dc\ud55c\ub2e4. (\uc774\ub4e4 \uc138\uc158\uc5d0\uc11c \uc0b0\ucd9c\ub41c \uba87 \uac00\uc9c0 \uadf8\ub9bc\ub4e4\uc744 \ub3d9 \ubcf4\uace0\uc11c\uc5d0 \uc2e4\uc5c8\ub2e4.) \uc544\uc6b8\ub7ec \ud5a5\ud6c4 20\ub144 \ub3d9\uc548 \uc5c5\uacc4\uc758 \uac00\uce58\uc81c\uc548\uacfc \uc11c\ube44\uc2a4\uac00 \uc5b4\ub5bb\uac8c \ubcc0\ud560 \uac83\uc778\uc9c0, \uc0c1\ud638\uc791\uc6a9 \ubaa8\ub378\uc774 \uc5b4\ub5bb\uac8c \ubc1c\uc804\ud560 \uac83\uc778\uc9c0, \uc5b4\ub5a4 \uc131\uacf5\uc801\uc778 \ube44\uc988\ub2c8\uc2a4 \ubaa8\ub378\uc774 \ub4f1\uc7a5\ud560 \uac83\uc778\uc9c0 \uc0b4\ud3b4\ubcf8\ub2e4. \uadf8\ub7f0 \ub2e4\uc74c, \ubbf8\ub798\uc5d0 \ub300\ube44\ud558\uae30 \uc704\ud574 \uc55e\uc73c\ub85c \uba87 \uac1c\uc6d4, \uba87 \ub144 \ub3d9\uc548 \ub9ac\ub354\ub4e4\uc774 \ucde8\ud574\uc57c \ud560 \uc870\uce58\ub97c \uac04\ub7b5\ud788 \uc124\uba85\ud558\ub294 \uccb4\ud06c\ub9ac\uc2a4\ud2b8\ub97c \uc81c\uc2dc\ud558\uba70 \ub9c8\ubb34\ub9ac\ud558\uace0\uc790 \ud55c\ub2e4. CEO \uc544\uc820\ub2e4\uc5d0\ub294 \ud604\uc7ac \ud658\uacbd \ud558\uc758 \uc694\uad6c\uc0ac\ud56d\uc744 \ud574\uacb0\ud558\uace0 \uc218\uc775\uc131\uc744 \uad00\ub9ac\ud558\uba74\uc11c \ubbf8\ub798\uc5d0 \ube44\uc988\ub2c8\uc2a4\uac00 \ubc88\ucc3d\ud560 \uc218 \uc788\ub3c4\ub85d \uc870\uc9c1\uc744 \ubcc0\ud654\uc2dc\ud0a4\ub294 \uad6c\uccb4\uc801\uc778 \uc870\uce58\uac00 \ub098\uc5f4\ub418\uc5b4 \uc788\ub2e4.<\/p>\n<p>\uc5f0\ub840 \uae00\ub85c\ubc8c \uc6f0\uc2a4 \ubcf4\uace0\uc11c\uc5d0\uc11c \ud56d\uc0c1 \uadf8\ub798\uc654\ub4ef\uc774, BCG\uc758 \ubaa9\ud45c\ub294 \uc5c5\uacc4\uc758 \uba85\ud655\ud558\uace0 \uc885\ud569\uc801\uc778 \ud604\ud669\uc744 \uc81c\uc2dc\ud558\uace0, \ubaa8\ub4e0 \uc720\ud615\uc758 \uc2dc\uc7a5\ucc38\uc5ec\uc790\uc758 \ud601\uc2e0, \uc131\uc7a5 \ubc0f \uc218\uc775\uc131 \ucd94\uad6c\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294 \ubb38\uc81c\ub4e4\uc744 \uc0dd\uac01\ud574 \ubcfc \uc5ec\uc9c0\ub97c \uc8fc\ub294 \uac83\uc774\ub2e4.<\/p>\n<h3><strong>\uacfc\uac70 20\ub144\uc744 \ub3cc\uc544\ubcf4\uace0 \ubbf8\ub798\ub97c \ub0b4\ub2e4\ubcf4\uae30<\/strong><\/h3>\n<p>20\ub144\uc774\ub77c\ub294 \uae30\uac04 \ub3d9\uc548 \ub9ce\uc740 \uc77c\uc774 \uc77c\uc5b4\ub0a0 \uc218 \uc788\ub2e4. \uc628\ub77c\uc778 \uc2a4\ud2b8\ub9ac\ubc0d, \ubaa8\ubc14\uc77c \ubc45\ud0b9, \uc720\uc804\uc790 \ud3b8\uc9d1 \ubc0f \ub85c\ubd07\ud65c\uc6a9 \uc218\uc220\uc740 21\uc138\uae30 \ucd08\ubd80\ud130 \ub3c4\uc785\ub41c \ub180\ub77c\uc6b4 \ud601\uc2e0 \uc911 \uc77c\ubd80\uc5d0 \ubd88\uacfc\ud558\ub2e4. \ub514\uc9c0\ud138\ud654\ub85c \uc778\ud574 \uc138\uacc4\uc758 \ub354 \ub9ce\uc740 \uc2dc\uc7a5\uc5d0 \uc811\uadfc\ud560 \uc218 \uc788\uac8c \ub418\uc5c8\uace0, \uacbd\uc81c\uc801 \uc0dd\uc0b0\uc131\uc774 \uc99d\uac00\ud588\uc73c\uba70 \uadf8 \uc5b4\ub290 \ub54c\ubcf4\ub2e4 \uae00\ub85c\ubc8c\ud654 \ub41c \uacbd\uc81c\ud65c\ub3d9\uc5d0 \uac1c\uc778\uc774 \ucc38\uc5ec\ud560 \uc218 \uc788\uac8c \ub418\uc5c8\ub2e4. \uc774 \ubaa8\ub4e0 \uc694\uc18c\uac00 \ubd80\uc758 \uc131\uc7a5\uc5d0 \uae30\uc5ec\ud588\ub2e4.<\/p>\n<p>\uac1c\uc778 \uae08\uc735\uc790\uc0b0\uc740 \uc9c0\ub09c 20\ub144 \ub3d9\uc548 \uae09\uc99d\ud588\ub2e4. 1999\ub144 \ub9d0 80\uc870 5,000\uc5b5 \ub2ec\ub7ec\uc5d0\uc11c 2019\ub144 \ub9d0 226\uc870 4,000\uc5b5 \ub2ec\ub7ec\ub85c \uc804 \uc138\uacc4\uc801\uc73c\ub85c \uac70\uc758 3 \ubc30 \uc99d\uac00\ud588\ub2e4 (\ub3c4\ud45c 1 \ucc38\uc870). \ud574\ub2f9 \uae30\uac04 \ub3d9\uc548 \uc5ec\ub7ec \uacbd\uc81c\uc801 \ud63c\ub780\uc774 \ubc1c\uc0dd\ud588\ub2e4\ub294 \uac83\uc744 \uac10\uc548\ud560 \ub54c, \uc774\ub7ec\ud55c \uc131\uc7a5\uc138\ub294 \ub354\uc6b1 \uc778\uc0c1\uc801\uc774\ub2e4.<br \/>\n\uc9c0\ub09c 20 \ub144\uc744 \ub418\ub3cc\uc544\ubcf4\uace0 \ud5a5\ud6c4 20 \ub144\uc744 \ub0b4\ub2e4\ubcfc \ub54c, \uba87 \uac00\uc9c0 \uc8fc\uc694 \uc0ac\uc2e4\uc774 \uad00\ucc30\ub41c\ub2e4.<\/p>\n<p><a href=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_2.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2397\" src=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_2.png\" alt=\"\" width=\"1191\" height=\"866\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_2.png 1191w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_2-300x218.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_2-1024x745.png 1024w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_2-768x558.png 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_2-696x506.png 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_2-1068x777.png 1068w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_2-578x420.png 578w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_2-324x235.png 324w\" sizes=\"auto, (max-width: 1191px) 100vw, 1191px\" \/><\/a><\/p>\n<h4><strong>\ubd80\uc758 \uc99d\uac00\ub294 \uc5ec\ub7ec \ucc28\ub840 \uc704\uae30\ub97c \uac70\uce58\uba74\uc11c\ub3c4 \ud68c\ubcf5\ub825\uc744 \ubcf4\uc774\uba70 \uc9c0\uc18d\ub428<\/strong><\/h4>\n<p>21\uc138\uae30\ub294 \ud070 \uae30\ub300\ub97c \uc548\uace0 \uc2dc\uc791\ub418\uc5c8\uc744 \uc9c0 \ubaa8\ub974\uc9c0\ub9cc, \ub2f7\ucef4 \ubc84\ube14 \ubd95\uad34\uc640 9\/11 \ube44\uadf9\uc740 \uadf8\ub7ec\ud55c \ubd84\uc704\uae30\uc5d0 \ucc2c\ubb3c\uc744 \ub07c\uc5b9\uc5c8\ub2e4. \uc8fc\uc694 \uacbd\uc81c\uac00 \ud754\ub4e4\ub9ac\uba74\uc11c 2000\ub144\ub300 \ucd08\ubc18\uc740 \uce68\uc6b8\ud558\uac8c \ucd9c\ubc1c\ud588\ub2e4. \uc8fc\uc2dd\uc2dc\uc7a5 \uc9c0\uc218\ub294 \uc57d\uc138\ub85c \ub3cc\uc544\uc130\uace0 \uae00\ub85c\ubc8c \uc2ec\ub9ac\uac00 \uc545\ud654\ub418\uc5c8\ub2e4. \uc774\ub7ec\ud55c \ubd84\uc704\uae30\ub97c \ubc18\uc601\ud558\uc5ec MSCI World \uc9c0\uc218\ub294 2000\ub144 ~ 2002\ub144\uc5d0 3\ub144 \uc5f0\uc18d \ub450 \uc790\ub9ac\uc218\uc758 \ud558\ub77d\uc744 \uae30\ub85d\ud588\ub2e4. \uadf8\ub7ec\ub098 \uc2ec\uac01\ud55c \uc2dc\uc7a5\uce68\uccb4\ubcf4\ub2e4 \ub354 \ub180\ub77c\uc6b4 \uac83\uc740 \uc8fc\uc2dd\uc2dc\uc7a5\uc774 \uac15\ud558\uac8c \ubc18\ub4f1\ud588\ub2e4\ub294 \uc810\uc774\ub2e4.<\/p>\n<p>2003\ub144\uae4c\uc9c0 \uc790\uc0b0 \uc131\uc7a5\uc774 9.2% \uc774\ub8e8\uc5b4\uc9c0\uba70 \ud68c\ubcf5\ub418\uc5c8\ub2e4. 2005\ub144\uc5d0\ub294 9.8% \uc99d\uac00\ud558\uc5ec \ub2e4\uc2dc \uae30\ub85d\uc744 \uc138\uc6e0\ub2e4. \uc804\ubc18\uc801\uc73c\ub85c 2003\ub144\ubd80\ud130 2005\ub144\uae4c\uc9c0\uc758 \uae30\uac04\uc740 \uc5ed\uc0ac\uc0c1 \uac00\uc7a5 \uac15\ub825\ud55c \ubd80\uc758 \uc131\uc7a5\uc744 \uae30\ub85d\ud588\ub2e4.<\/p>\n<p>\uc790\uc0b0\uaddc\ubaa8\uac00 \ube44\ub85d 21\uc138\uae30\uc758 \uccab \ucda9\uaca9\ub4e4\uc740 \uacac\ub38c\ub0c8\uc9c0\ub9cc 2008\ub144\uc5d0 \uc11c\ube0c\ud504\ub77c\uc784 \ubaa8\uae30\uc9c0 \ubd95\uad34\ub85c \ub2e4\uc2dc \uc2dc\ud5d8\ub300\uc5d0 \uc62c\ub790\ub2e4. \uae00\ub85c\ubc8c \uc720\ub3d9\uc131\uc774 \uacbd\uc0c9\ub418\uba74\uc11c \uc8fc\uc2dd\uc2dc\uc7a5\uacfc \uc790\uc0b0\uac00\uce58\uac00 \uae09\ub77d\ud588\ub2e4. 2008\ub144 \ub9d0\uae4c\uc9c0 \uae08\uc735\uc704\uae30\ub85c \uc778\ud574 \uc804 \uc138\uacc4\uc801\uc73c\ub85c 10\uc870 2,000\uc5b5 \ub2ec\ub7ec\uc758 \uac1c\uc778 \uc790\uc0b0\uc774 \uac10\uc18c\ud588\ub2e4.<\/p>\n<p>2008\ub144\uc758 \uc11c\ube0c\ud504\ub77c\uc784 \uc704\uae30\ub294 \ub300\uaddc\ubaa8 \uc815\ubd80 \uad6c\uc81c\uae08\uc735\uacfc \uc911\uc559\uc740\ud589\uc758 \uac1c\uc785\uc744 \ucd09\ubc1c\ud588\uc9c0\ub9cc \ubbfc\uac04 \uae08\uc735\uc790\uc0b0\uc740 \ub180\ub77c\uc6b4 \ud68c\ubcf5\ub825\uc744 \ubcf4\uc600\ub2e4. 2010\ub144\uae4c\uc9c0 \uc790\uc0b0\uaddc\ubaa8\uac00 \uc644\uc804\ud788 \ubc18\ub4f1\ud558\uc5ec \uc0c8\ub85c\uc6b4 \uae30\ub85d\uc744 \uc0c8\uc6b0\uba70 133\uc870 3,000\uc5b5 \ub2ec\ub7ec\uc5d0 \ub3c4\ub2ec\ud588\ub2e4. \uc774\ub7ec\ud55c \uc131\uc7a5\uc758 \ub300\ubd80\ubd84\uc740 \ud604\uae08\uacfc \uc608\uae08, \uc0dd\uba85\ubcf4\ud5d8 \ubc0f \uc5f0\uae08\uc5d0\uc11c \ubc1c\uc0dd\ud588\uc73c\uba70, \uc774\ub294 \uc804\uc138\uacc4 \uc790\uc0b0\uc758 \uac70\uc758 60%\ub97c \ucc28\uc9c0\ud588\ub2e4. \uc608\ub97c \ub4e4\uc5b4, 2008\ub144 \ud604\uae08 \ubc0f \uc608\uae08\uc740 7.8% \uc99d\uac00\ud588\uc73c\uba70 2019\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 4.7%\uc5d0\uc11c 7.0%\uc758 \uc131\uc7a5\ub960\uc744 \uae30\ub85d\ud558\uc5ec \uc77c\ubd80 \uc8fc\uc2dd \uc190\uc2e4\uc744 \uc0c1\uc1c4\ud588\ub2e4.<\/p>\n<p>\uadf8\ub7ec\ub098 2010\ub144\ub300\uc5d0\ub294 \uc720\ub7fd \uad6d\uac00\ub4e4\uc758 \uad6d\ucc44 \uc704\uae30\uc640 2010\ub144\ub300 \uc911\ubc18\uae4c\uc9c0\uc758 \uace0\ud1b5\uc2a4\ub7ec\uc6b4 \uae34\ucd95\uc870\uce58 \ub4f1 \uc0c8\ub85c\uc6b4 \uc555\ubc15 \uc694\uc778\uc774 \ubc1c\uc0dd\ud588\ub2e4. 2010\ub144\ub300 \ud6c4\ubc18\ubd80\uc5d0\ub294 \ubbf8\uad6d\uacfc \uc911\uad6d, \uc5ec\ud0c0 \ubb34\uc5ed \uc0c1\ub300\uad6d \uc0ac\uc774\uc5d0 \uc801\ub300\uac10\uc774 \ucee4\uc9c0\uba74\uc11c \uc911\uc694 \uad50\uc5ed\uad00\uacc4\uac00 \uc190\uc0c1\ub418\uc5c8\ub2e4. \uadf8\ub7fc\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc138\uacc4 \uc8fc\uc694 \uc2dc\uc7a5\uc758 GDP\ub294 \uc9c0\uc18d\uc801\uc73c\ub85c \uc0c1\uc2b9\ud558\uc5ec \uc5ed\uc0ac\uc0c1 \uac00\uc7a5 \uae34 \uc2dc\uc7a5 \ud65c\ud669\uc774 \uc2e4\ud604\ub418\uc5c8\ub2e4.<\/p>\n<p>\uc885\ud569\ud574 \ubcfc \ub54c, \uc9c0\ub09c 20 \ub144\uac04 \ubd80\uc758 \uc131\uc7a5\uc740 \uc804 \uc138\uacc4 GDP \uc99d\uac00, \uac00\ucc98\ubd84 \uc18c\ub4dd \uc99d\ub300 \ubc0f \uc800\ucd95\ub960 \uc99d\uac00\uc5d0 \ud798\uc785\uc5b4 \uacac\uc2e4\ud558\uac8c \uc9c0\uc18d\ub418\uc5c8\ub2e4. \ub3c4\ud45c 2\uc5d0\uc11c \ubcfc \uc218 \uc788\ub4ef\uc774, 21\uc138\uae30 \ucd08\ubc18\uc758 \ubd88\uc548\uc815\uacfc 2008\ub144\uc758 \ud558\ub77d\uc740 \ub2e8\uae30\uc801 \ud604\uc0c1\uc774\uc5c8\ub2e4. \ud55c\ud3b8, \uc790\uc0b0\uaddc\ubaa8\ub294 2003\ub144\uc5d0\uc11c 2005\ub144 \uc0ac\uc774, \uadf8\ub9ac\uace0 2019\ub144\uc5d0 \ub2e4\uc2dc \uae30\ub85d\uc801\uc778 \uc131\uc7a5\uc138\ub97c \ubcf4\uc774\uba70 \uc0c1\uc2b9\ud588\ub2e4.<\/p>\n<p><a href=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_3.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2398\" src=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_3.png\" alt=\"\" width=\"1184\" height=\"761\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_3.png 1184w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_3-300x193.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_3-1024x658.png 1024w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_3-768x494.png 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_3-696x447.png 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_3-1068x686.png 1068w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_3-653x420.png 653w\" sizes=\"auto, (max-width: 1184px) 100vw, 1184px\" \/><\/a><\/p>\n<h4><strong>\uacbd\uc81c\uc131\uc7a5\uc73c\ub85c \ub354 \ub9ce\uc740 \uc8fc\uccb4\uac00 \ubd80\uc758 \ud655\ub300\ub97c \uacbd\ud5d8\ud568 <\/strong><\/h4>\n<p>\ud604\ub300\uc5d0 \ub4e4\uc5b4\uc11c\uc11c \uc131\uc219\uc2dc\uc7a5\uc774 \ubd80\uc758 \ub300\ubd80\ubd84\uc744 \ucc28\uc9c0\ud574 \uc654\ub2e4. \uadf8\ub7ec\ub098 \uc2dc\ub300\uac00 \ubcc0\ud558\uace0 \uc788\ub2e4. \uc9c0\ub09c 20\ub144 \ub3d9\uc548 \uc544\uc2dc\uc544, \ub3d9\uc720\ub7fd, \uc911\ub0a8\ubbf8, \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74\ub85c \ub300\ubcc0\ub418\ub294 &#8220;\uc131\uc7a5\uc2dc\uc7a5&#8221;\uc740 \uacac\uc870\ud55c GDP \uc131\uc7a5\uacfc \uac1c\uc778 \uc800\ucd95\ub960 \uc99d\uac00\uc5d0 \ud798\uc785\uc5b4 \ube60\ub978 \ubd80\uc758 \ud655\ub300\ub97c \uacbd\ud5d8\ud55c \ubc18\uba74, \ubd81\ubbf8, \uc11c\uc720\ub7fd, \uc77c\ubcf8 \ubc0f \uc624\uc138\uc544\ub2c8\uc544\uc758 \uacbd\uc81c\ub294 \uadf8\ubcf4\ub2e4 \uc131\uc7a5\uc138\uac00 \uc644\ub9cc\ud558\uac8c \ub098\ud0c0\ub0a8\uc5d0 \ub530\ub77c \uc804\uc138\uacc4 \ubd80\uc758 \ud655\uc7a5 \uc18d\ub3c4\uac00 \ub450 \uadf8\ub8f9\uc73c\ub85c \ub098\ub258\uc5c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc911\uad6d \uac00\uad6c\ub294 \uc9c0\ub09c 20\ub144 \ub3d9\uc548 \ud3c9\uade0\uc801\uc73c\ub85c \uac00\ucc98\ubd84 \uc18c\ub4dd\uc758 25% \uc774\uc0c1\uc744 \uc800\ucd95\ud574 \uc654\uc73c\uba70, \uc774\ub294 \uc720\ub7fd\uacfc \ubbf8\uad6d \uac00\uad6c\uac00 \uae30\ub85d\ud55c \ud3c9\uade0 10% \ubbf8\ub9cc \uc800\ucd95\ub960\uacfc \ub300\uc870\uc801\uc774\ub2e4.<\/p>\n<p>\uc804\uc138\uacc4 \ubd80\uc758 \ud655\uc7a5 \uc18d\ub3c4\uac00 \ub450 \uadf8\ub8f9\uc73c\ub85c \ub098\ub268\uc5d0 \ub530\ub77c, \uc131\uc7a5\uc2dc\uc7a5\uc774 \ubcf4\uc720\ud55c \ubd80\uc758 \ube44\uc728\uc740 \uafb8\uc900\ud788 \uc99d\uac00\ud588\ub2e4. \uc608\ub97c \ub4e4\uc5b4 1999\ub144\uc5d0 \uc544\uc2dc\uc544 \ubc0f \uae30\ud0c0 \uc131\uc7a5 \uc9c0\uc5ed\uc740 \uc804\uc138\uacc4 \ubd80\uc758 9.3%\ub97c \ucc28\uc9c0\ud588\uc73c\uba70 2009\ub144\uc5d0 \uc774 \ube44\uc728\uc740 17.3 %\ub85c, 2019\ub144 \ub9d0\uc5d0\ub294 25.3%\ub85c \uc99d\uac00\ud588\ub2e4 (\ub3c4\ud45c 3 \ucc38\uc870).<\/p>\n<p>\uacbd\uc81c\uc131\uc7a5 \ud655\ub300\ub85c \uc138\uacc4 \ubd80\uc720\uce35\ub3c4 \ud655\ub300\ub418\uc5c8\ub2e4. \uc804 \uc138\uacc4 \ubc31\ub9cc\uc7a5\uc790 \uc218 (\ubbf8\uad6d \ub2ec\ub7ec \uae30\uc900)\ub294 \uc9c0\ub09c 20\ub144 \ub3d9\uc548 1999\ub144 890\ub9cc \uba85\uc5d0\uc11c 2019\ub144 \ub9d0 2,400\ub9cc \uba85 \uc774\uc0c1\uc73c\ub85c \uac70\uc758 3\ubc30\ub85c \uc99d\uac00\ud588\ub2e4. \ubc31\ub9cc\uc7a5\uc790\ub4e4\uc740 \uc804 \uc138\uacc4 \ucd1d \uae08\uc735\uc790\uc0b0\uc758 50% \uc774\uc0c1\uc744 \ubcf4\uc720\ud558\uace0 \uc788\ub2e4 (\uba85\ubaa9\uc131\uc7a5\ub960\uc744 \uae30\uc900\uc73c\ub85c \uc0b0\uc815\ud558\uba70, \uc778\ud50c\ub808\uc774\uc158 \ud6a8\uacfc\ub294 \uace0\ub824\ud558\uc9c0 \uc54a\uc74c).<\/p>\n<p>\ubd81\ubbf8\ub294 \uc9c0\uc18d\uc801\uc73c\ub85c \uac00\uc7a5 \ub9ce\uc740 \uc218\uc758 \ubc31\ub9cc\uc7a5\uc790 (1,640\ub9cc \uba85)\ub97c \uae30\ub85d\ud558\uace0 \uc788\uc73c\uba70, \uadf8 \uc911 \uc808\ubc18 \uc774\uc0c1 (1,030 \ub9cc \uba85)\uc774 21\uc138\uae30\uc5d0 \ubc31\ub9cc\uc7a5\uc790\uac00 \ub418\uc5c8\ub2e4. \ubd81\ubbf8\ub294 \ub610\ud55c HNW \uc138\uadf8\uba3c\ud2b8\uac00 \uac00\uc7a5 \uc9d1\uc911\ub418\uc5b4 \uc788\ub294 \uacf3\uc774\uae30\ub3c4 \ud558\ub2e4. NHW \uc138\uadf8\uba3c\ud2b8\ub294 \ud604\uc7ac \ubd81\ubbf8 \uc790\uc0b0\uc758 59%\ub97c \ucc28\uc9c0\ud55c\ub2e4 (59\uc870 \ub2ec\ub7ec).<\/p>\n<p>\uc790\uc0b0 \ubd84\ubc30\ub294 \uc9c0\ub09c 10\ub144 \ub3d9\uc548 \uc790\uc0b0\uaddc\ubaa8 \uc138\uadf8\uba3c\ud2b8 \ubcc4 \ubd80\uc758 \uc131\uc7a5\ub960\uc774 \ub2ec\ub77c\uc9c0\ub294 \ub370 \uae30\uc5ec\ud588\ub2e4. HNW \uc138\uadf8\uba3c\ud2b8\uc640 UHNW \uc138\uadf8\uba3c\ud2b8 (\ucd1d \uae08\uc735\uc790\uc0b0\uc774 1\uc5b5 \ub2ec\ub7ec\uac00 \ub118\ub294 \uac1c\uc778)\uac00 \uac00\uc7a5 \ub192\uc740 \uc790\uc0b0 \uc131\uc7a5\ub960\uc744 \uae30\ub85d\ud588\ub2e4. \uadf8\ub4e4\uc758 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub294 \ub2e4\ub978 \uc138\uadf8\uba3c\ud2b8 \ub300\ube44 \uc8fc\uc2dd\ube44\uc728\uc774 \ud6e8\uc52c \ub192\uc558\uae30 \ub54c\ubb38\uc5d0 (\ud3c9\uade0 50% \uc774\uc0c1\uc774 \uc8fc\uc2dd\uacfc \ud22c\uc790\ud380\ub4dc\uc9c0\ubd84\uc5d0 \ud22c\uc790\ub428), \ucd5c\uadfc \uc7a5\uae30 \uc2dc\uc7a5\uc0c1\uc2b9\uc138\ub85c \uc778\ud55c \uc774\uc775\uc744 \uc2e4\ud604\ud560 \uc218 \uc788\ub294 \uc785\uc9c0\uc5d0 \uc788\uc5c8\ub2e4. \ub300\uc870\uc801\uc73c\ub85c, \ub9ac\ud14c\uc77c \uc138\uadf8\uba3c\ud2b8 (\uc790\uc0b0\uc774 25\ub9cc \ub2ec\ub7ec \ubbf8\ub9cc\uc778 \uac1c\uc778)\ub294 \ud3c9\uade0\uc801\uc73c\ub85c \uc790\uc0b0\uc758 \uc57d 9%\ub9cc \uc8fc\uc2dd\uacfc \ud380\ub4dc\uc5d0 \ud22c\uc790\ud588\uc73c\uba70 80% \uc774\uc0c1\uc774 \ud604\uae08 \ubc0f \uc608\uae08, \uc0dd\uba85\ubcf4\ud5d8 \ubc0f \uc5f0\uae08\uc5d0 \ud22c\uc790\ub418\uc5c8\ub2e4. \uc774\ub85c \uc778\ud574 \ub9ac\ud14c\uc77c \uc138\uadf8\uba3c\ud2b8\uc5d0\uc11c \ubd80\uc758 \uc131\uc7a5\ub960\uc774 \ub354 \ub0ae\uac8c \ub098\ud0c0\ub09c \uac83\uc73c\ub85c \ud574\uc11d\ub41c\ub2e4.<\/p>\n<p><a href=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_4.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2399\" src=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_4.png\" alt=\"\" width=\"1184\" height=\"602\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_4.png 1184w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_4-300x153.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_4-1024x521.png 1024w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_4-768x390.png 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_4-696x354.png 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_4-1068x543.png 1068w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_4-826x420.png 826w\" sizes=\"auto, (max-width: 1184px) 100vw, 1184px\" \/><\/a><\/p>\n<h4><strong>\ucf54\ub85c\ub09819\ub85c\ubd80\ud130\uc758 \ud68c\ubcf5\uc774 \ud5a5\ud6c4 \uc218\ub144\uac04 \uc131\uc7a5\uc744 \uacb0\uc815\uc9d3\uac8c \ub420 \uac83<\/strong><\/h4>\n<p>2020\ub144\ub300\uc5d0 \ub4e4\uc5b4\uc11c\uba74\uc11c \ucf54\ub85c\ub09819 \uc704\uae30\ub294 \uc804\uc138\uacc4 \uc2dc\uc7a5\uc744 \uac00\uc7a5 \uc5b4\ub824\uc6b4 \uc2dc\ud5d8\uc5d0 \ub4e4\uac8c \ud560 \uc218 \uc788\ub2e4. \uc5b4\ub290 \uacf3\uc774\ub4e0 \uae30\uc5c5\ub4e4\uc740 \uc5c4\uccad\ub09c \ud63c\ub780\uc5d0 \uc9c1\uba74\ud574 \uc788\ub2e4. \uc218\ubc31\ub9cc \uba85\uc758 \uc2e4\uc9c1\uc790\uac00 \ubc1c\uc0dd\ud588\uc73c\uba70 \ub300\ubd80\ubd84 \uad6d\uac00\uc5d0\uc11c \uacbd\uae30 \uce68\uccb4\uac00 \uc2dc\uc791\ub418\uc5c8\ub2e4. \ud68c\ubcf5\uc18d\ub3c4\ub294 \uc815\ubd80\uc640 \uc911\uc559\uc740\ud589\uc758 \uac1c\uc785\ubfd0\ub9cc \uc544\ub2c8\ub77c \uacf5\uacf5\uc758\ub8cc \uc870\uce58\uc5d0 \ud06c\uac8c \uc88c\uc6b0\ub418\uc9c0\ub9cc, \ucf54\ub85c\ub09819\uc758 \uc138\uacc4\uc801 \ub300\uc720\ud589\uc740 \ub2e8\uae30\uc801\uc73c\ub85c \ubd80\uc758 \ucd95\uc18c\ub97c \ucd08\ub798\ud560 \uac00\ub2a5\uc131\uc774 \ub192\ub2e4.<\/p>\n<p>\ubcf8 \ubcf4\uace0\uc11c\uc758 \ubd84\uc11d\uc740 \uc774\ud558\uc758 \uc138 \uac00\uc9c0 \uc2dc\ub098\ub9ac\uc624\ub97c \uc81c\uc2dc\ud55c\ub2e4 (\ub3c4\ud45c 4 \ucc38\uc870). \ubaa8\ub378\ub9c1\uc5d0\ub294 GDP \uc131\uc7a5, \uc18c\ube44, \uae08\ub9ac \ubcc0\ud654, \uc778\ud50c\ub808\uc774\uc158 \ubc0f \uc790\ubcf8\uc2dc\uc7a5\uacfc \uac19\uc740 \uac70\uc2dc\uacbd\uc81c \uc9c0\ud45c\uac00 \ubc18\uc601\ub418\uba70, \uc774\ub4e4 \uc9c0\ud45c\ub294 \uc138 \uac00\uc9c0 \uc2dc\ub098\ub9ac\uc624\ub9c8\ub2e4 \uc0c1\uc774\ud558\ub2e4 (\uc608\uce21 \uc2dc\ub098\ub9ac\uc624\uc758 \uc8fc\uc694 \uac00\uc815\uc5d0 \ub300\ud55c \uc790\uc138\ud55c \ub0b4\uc6a9\uc740 &#8220;\ub3d9 \ubcf4\uace0\uc11c\uc758 \ubc29\ubc95\ub860&#8221; \ucc38\uc870).<\/p>\n<ul>\n<li><strong>\ube60\ub978 \ubc18\ub4f1.<\/strong> \uad6d\ub0b4 \ucd1d\uc0dd\uc0b0\uc740 \uc0dd\uc0b0\ub7c9 \ubcc0\ub3d9\uc73c\ub85c \uac00\ud30c\ub974\uac8c \ud558\ub77d\ud558\uc9c0\ub9cc \uc0c1\ub300\uc801\uc73c\ub85c \ube60\ub974\uac8c \uc131\uc7a5\uc138\ub97c \ud68c\ubcf5\ud55c\ub2e4. \ub3d9 \uc2dc\ub098\ub9ac\uc624\uc5d0\uc11c \uc790\uc0b0\uaddc\ubaa8\ub294 2019\ub144\uc758 226\uc870 \ub2ec\ub7ec\uc5d0\uc11c 2024\ub144 282\uc870 \ub2ec\ub7ec\ub85c 4.5 %\uc758 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960\uc744 \uae30\ub85d\ud558\uba70 \uc99d\uac00\ud560 \uac83\uc774\ub2e4. \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 \ub2e8\uae30\uc801\uc778 \uc218\uc775\uc131 \ud0c0\uaca9\uc744 \uc785\uc744 \uac00\ub2a5\uc131\uc774 \ub192\uc9c0\ub9cc, \ucf54\ub85c\ub09819\uc758 \uc138\uacc4\uc801 \ub300\uc720\ud589\uc774 \uc5c5\uacc4\uc5d0 \uc9c0\uc18d\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce58\uc9c0\ub294 \uc54a\uc744 \uac83\uc774\ub2e4.<\/li>\n<li><strong>\ub290\ub9b0 \ud68c\ubcf5.<\/strong> \uacbd\uc81c\ucda9\uaca9\uc774 \uc9c0\uc18d\ub418\uba70 2020\ub144\uc5d0 \uc131\uc7a5\uc774 \ud68c\ubcf5\ub418\ub354\ub77c\ub3c4 \uc800\uc810\uc774 \ub354 \uae4a\uc5b4\uc9c0\uace0 \ud68c\ubcf5\uc138\ub294 \ub354 \uc644\ub9cc\ud574 \uc9c4\ub2e4. \uc774 \uc2dc\ub098\ub9ac\uc624\ub300\ub85c \uc9c4\ud589\ub41c\ub2e4\uba74, \uc790\uc0b0\uaddc\ubaa8\uac00 2020\ub144\uc5d0 215\uc870 \ub2ec\ub7ec\ub85c \uac10\uc18c\ud55c \ud6c4 \uc5f0\ud3c9\uade0 3.2% \uc99d\uac00\ud574 2024\ub144\uc5d0 265\uc870 \ub2ec\ub7ec\ub85c \uc99d\uac00\ud560 \uac83\uc774\ub2e4. \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\uc758 \uc218\uc775\ub9c8\uc9c4\uc774 \uac10\uc18c\ud560 \uac83\uc774\uba70, \uaddc\ubaa8\uac00 \uc791\uac70\ub098 \uc601\uc5c5\uc774\uc775\uacbd\ube44\uc728(CIR)\uc774 \ub192\uc740 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\uac00 \uac00\uc7a5 \ud070 \ud0c0\uaca9\uc744 \ubc1b\ub294\ub2e4. \uc774\uc5d0 \ub530\ub77c \uc5c5\uacc4 \ub0b4\uc5d0\uc11c \uc0ac\uc5c5\ud1b5\ud569\uc774 \uc99d\uac00\ud558\uac8c \ub420 \uac83\uc774\ub2e4.<\/li>\n<li><strong>\ud0c0\uaca9 \uc9c0\uc18d.<\/strong> \uc2ec\uac01\ud55c \uacbd\uc81c\uc801 \ud0c0\uaca9\uc73c\ub85c \uc778\ud574 \ub178\ub3d9\uc2dc\uc7a5\uacfc \uc0dd\uc0b0\uc131\uc5d0 \uc7a5\uae30\uc801\uc778 \ud63c\ub780\uc774 \ucd08\ub798\ub41c\ub2e4. \uc774 \uc2dc\ub098\ub9ac\uc624\uc5d0 \ub530\ub974\uba74, \uc790\uc0b0\uaddc\ubaa8\ub294 2020\ub144\uc5d0 210\uc870 \ub2ec\ub7ec\ub85c \uac10\uc18c\ud55c \ud6c4 \ubd88\uacfc \uc5f0\ud3c9\uade0 1.4 % \uc131\uc7a5\ud558\uc5ec 2024\ub144\uae4c\uc9c0 243\uc870 \ub2ec\ub7ec\ub85c \uc99d\uac00\ud55c\ub2e4. \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\uc758 \uc218\uc775\ub9c8\uc9c4\uacfc \uc790\uc0b0\uaddc\ubaa8\uac00 \uae09\uc18d\ud558\uac8c \ud558\ub77d\ud560 \uac83\uc774\uba70, \uaddc\ubaa8\uac00 \uc791\uac70\ub098 \uc601\uc5c5\uc774\uc775\uacbd\ube44\uc728(CIR)\uc774 \ub192\uc740 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\uac00 \ucd5c\ub300 \ud0c0\uaca9\uc744 \uc785\ub294\ub2e4. M&amp;A\uac00 \ud65c\uc131\ud654\ub418\uace0 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub4e4\uc740 \ube44\uc6a9\uc808\uac10\uc744 \uc704\ud574 \uc9c0\uae08\uae4c\uc9c0\uc640\ub294 \uadfc\ubcf8\uc801\uc73c\ub85c \ub2e4\ub978 \ubc29\uc2dd\uc73c\ub85c \uace0\uac1d\uc5d0\uac8c \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud574\uc57c \ud55c\ub2e4.<\/li>\n<\/ul>\n<p><a href=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_5.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2400\" src=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_5.png\" alt=\"\" width=\"1205\" height=\"685\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_5.png 1205w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_5-300x171.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_5-1024x582.png 1024w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_5-768x437.png 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_5-696x396.png 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_5-1068x607.png 1068w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_5-739x420.png 739w\" sizes=\"auto, (max-width: 1205px) 100vw, 1205px\" \/><\/a><\/p>\n<p>\uc5b4\ub5a4 \uc2dc\ub098\ub9ac\uc624\uac00 \ud604\uc2e4\ud654\ud558\ub4e0 \uac04\uc5d0, \uc790\uc0b0\uad00\ub9ac \uae30\uad00\uc740 \uba87 \uac00\uc9c0 \uc774\uc720\ub85c \uc778\ud574 \ub354 \ud070 \uc555\ubc15\uc744 \ubc1b\uac8c \ub420 \uac83\uc774\ub2e4. \uccab\uc9f8, \uc2dc\uc7a5\ud558\ub77d\uc758 \uc601\ud5a5\uc744 \ub354 \ub9ce\uc774 \ubc1b\ub294 \uc790\uc0b0\uae30\uc900 \ubcf4\uc218\uac00 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac \uc218\uc775\uc5d0\uc11c \ucc28\uc9c0\ud558\ub294 \ube44\uc728\uc774 \uacfc\uac70 \ub300\ube44 \uc99d\uac00\ud588\ub2e4 (BCG\uc758 \uae00\ub85c\ubc8c \uc790\uc0b0\uad00\ub9ac\uae30\uad00 \uc131\uacfc \ubca4\uce58\ub9c8\ud0b9 \ub370\uc774\ud130\ubca0\uc774\uc2a4\uc5d0 \ub530\ub974\uba74 2013\ub144 30%, 2018\ub144 45%). \ub458\uc9f8, BCG\uc758 \uae00\ub85c\ubc8c \uc790\uc0b0\uad00\ub9ac\uae30\uad00 \uc131\uacfc \ubca4\uce58\ub9c8\ud0b9 \ub370\uc774\ud130\ubca0\uc774\uc2a4\uc5d0 \ub530\ub974\uba74 \ub9ce\uc740 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\uac00 \uc9c0\ub09c \uae08\uc735\uc704\uae30 \ub300\ube44 \uc57d\ud55c \uc7ac\ubb34\uc0c1\ud0dc\ub85c \uc704\uae30\uc5d0 \uc9c4\uc785\ud558\uace0 \uc788\ub294 \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\ub2e4. 9%\uac00 \uc801\uc790\ub97c \uae30\ub85d\ud558\uba70 2020\ub144\uc5d0 \uc9c4\uc785\ud588\uc73c\uba70, 2007\ub144 \ucd08\ubc18\uc758 \uc801\uc790\uae30\uad00 \ube44\uc728\uc740 5%\uc600\ub2e4. \ud574\ub2f9 \ube44\uc728\uc740 2021\ub144\uae4c\uc9c0 14%\ub85c \uc99d\uac00\ud560 \uac00\ub2a5\uc131\uc774 \uc788\ub2e4. \uadf8\ub9ac\uace0 \uc138 \ubc88\uc9f8, \uc601\uc5c5\uc774\uc775\uacbd\ube44\uc728\ub3c4 \uc0c1\uc2b9\ud588\ub2e4 (2007\ub144 60%, 2018\ub144 77 %).<\/p>\n<h4><strong>\uc131\uc7a5\uc2dc\uc7a5\uc774 \uc131\uc219\uc2dc\uc7a5\uc744 \uc55e\uc9c0\ub97c \uac83\uc73c\ub85c \uc608\uc0c1\ub428 <\/strong><\/h4>\n<p>\uac70\uc2dc\uacbd\uc81c \ub370\uc774\ud130\uc5d0 \ub530\ub974\uba74 \uc77c\ubcf8\uc744 \uc81c\uc678\ud55c \uc544\uc2dc\uc544 \uc9c0\uc5ed\uc5d0\uc11c \uc790\uc0b0\uaddc\ubaa8 \uc131\uc7a5\uc774 \uc9c0\uc18d\uc801\uc73c\ub85c \ube60\ub974\uac8c \ub098\ud0c0\ub0a0 \uac83\uc73c\ub85c \uc608\uc0c1\ub41c\ub2e4. \ub610\ud55c, BCG \ubaa8\ub378\ub9c1\uc5d0 \ub530\ub974\uba74 \uc77c\ubcf8\uc744 \uc81c\uc678\ud55c \uc544\uc2dc\uc544 \uc804\uc5ed\uc758 \uc790\uc0b0\uaddc\ubaa8\ub294 \ud5a5\ud6c4 5 \ub144\uac04 \ub9e4\ub144 5.1% ~ 7.4% \uc99d\uac00\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub41c\ub2e4. \uc774\ub7ec\ud55c \uc608\uce21\uc774 \uc2e4\ud604\ub418\uba74 \uc544\uc2dc\uc544\ub294 2022\ub144\uae4c\uc9c0 \uc11c\uc720\ub7fd\uc744 \uc81c\uce58\uace0 \uc138\uacc4\uc5d0\uc11c \ub450 \ubc88\uc9f8\ub85c \ubd80\uc720\ud55c \uc9c0\uc5ed\uc774 \ub420 \uac83\uc774\ub2e4.<\/p>\n<p>\ucf54\ub85c\ub09819 \uc704\uae30\uac00 \uc138\uacc4\uacbd\uc81c\uc5d0 \uc785\ud788\uac8c \ub420 \ud0c0\uaca9\uc758 \uc815\ub3c4\uc5d0 \ub530\ub77c, \uc8fc\uc2dd \ube44\uc911\uc774 \ub192\uc740 \ubd81\ubbf8\uc758 \uc790\uc0b0\uaddc\ubaa8\ub294 2019\ub144\ubd80\ud130 2024\ub144\uae4c\uc9c0 \ub9e4\ub144 \u20130.6% ~ 3.7% \uc99d\uac00\ud560 \uc218 \uc788\ub2e4. \uc11c\uc720\ub7fd\uc758 \uacbd\uc6b0, \uc8fc\uc2dd\ubcf4\ub2e4 \ubcc0\ub3d9\uc131\uc774 \uc801\uc740 \ud604\uae08 \ubc0f \uc608\uae08 \ube44\uc911\uc774 \ud06c\uae30 \ub54c\ubb38\uc5d0 \uc57d 1.6% ~ 3.6%\uc758 \ubcf4\ub2e4 \uc548\uc815\uc801\uc778 \uc790\uc0b0\uc99d\uac00\uac00 \uc608\uc0c1\ub41c\ub2e4. \uadf8\ub807\ub2e4 \ud558\ub354\ub77c\ub3c4 \ud5a5\ud6c4 5\ub144 \ub3d9\uc548 \uc11c\uc720\ub7fd\uc758 \ud3c9\uade0 GDP\ub294 \uc9c0\ub09c 20\ub144 \uac04\uc758 \ud3c9\uade0\ubcf4\ub2e4 \ub0ae\uc744 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\uae30 \ub54c\ubb38\uc5d0 \uc11c\uc720\ub7fd\uc758 \uc790\uc0b0 \uc99d\uac00\uc728\uc774 \ubd81\ubbf8\ub97c \ub118\uc5b4\uc124 \uac00\ub2a5\uc131\uc740 \ub0ae\ub2e4.<\/p>\n<p>HNW\uc640 UHNW \uc138\uadf8\uba3c\ud2b8\uac00 \ubd81\ubbf8\uc5d0\uc11c \uac00\uc7a5 \ube60\ub974\uac8c \uc99d\uac00\ub97c \ubcf4\uc774\ub294 \ubc18\uba74, \uc790\uc0b0\uac00 (Affluent) \uc138\uadf8\uba3c\ud2b8\ub294 \uc544\uc2dc\uc544, \uc11c\uc720\ub7fd \ubc0f \uc911\ub3d9\uc5d0\uc11c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \uc790\uc0b0\uc9d1\ub2e8\uc774 \ub420 \uac83\uc73c\ub85c \uc608\uc0c1\ub41c\ub2e4. \uc544\uc2dc\uc544\uc5d0\uc11c Affluent \uc138\uadf8\uba3c\ud2b8\uc5d0 \uc18d\ud558\ub294 \uac1c\uc778\uc758 \uc790\uc0b0\uc740 \ud5a5\ud6c4 5\ub144 \ub3d9\uc548 \uc5f0\ud3c9\uade0 6.0% ~ 8.7% \uc99d\uac00\ud560 \uac83\uc774\ub2e4 (2024 \ub144\uae4c\uc9c0 5\uc870 7,000\uc5b5 \ub2ec\ub7ec ~ 6\uc870 5,000\uc5b5 \ub2ec\ub7ec\ub85c \uc99d\uac00).<\/p>\n<p>\uc885\ud569\uc801\uc73c\ub85c, \uc774\ub7ec\ud55c \ucd94\uc138\ub294 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\uac00 \ud5a5\ud6c4 5\ub144 \ub3d9\uc548 \ub354 \ub9ce\uc740 \uc7a0\uc7ac\uace0\uac1d\uc744 \ud655\ubcf4\ud560 \uc218 \uc788\uc74c\uc744 \uc758\ubbf8\ud55c\ub2e4. \ub3d9 \ubcf4\uace0\uc11c\ub294 \uc790\uc0b0 \uc138\uadf8\uba3c\ud2b8\uac00 \uc774\ud558\uc758 \ucd94\uc138\ub97c \ubcf4\uc77c \uac83\uc73c\ub85c \uc608\uc0c1\ud55c\ub2e4.<\/p>\n<ul>\n<li>\uc138\uacc4\uc801\uc73c\ub85c Affluent \uc138\uadf8\uba3c\ud2b8\uac00 (35\uc870 3,000\uc5b5 \ub2ec\ub7ec\ub85c \uc790\uc0b0\uaddc\ubaa8 \ucd94\uc0b0) 2019\ub144\uc5d0\uc11c 2024\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 1.7% ~ 4.6% \uc99d\uac00\ud560 \uac83\uc774\ub2e4.<\/li>\n<li>HNW \uc138\uadf8\uba3c\ud2b8\ub294 (87\uc870 7,000\uc5b5 \ub2ec\ub7ec\ub85c \uc790\uc0b0\uaddc\ubaa8 \ucd94\uc0b0) \ub3d9\uc77c\ud55c \uae30\uac04 \ub3d9\uc548 \uc5f0\ud3c9\uade0 0.2% ~ 4.7% \uc99d\uac00\ud560 \uac83\uc774\ub2e4.<\/li>\n<li>UHNW \uc138\uadf8\uba3c\ud2b8\ub294 (27\uc870 3,000\uc5b5 \ub2ec\ub7ec\ub85c \uc790\uc0b0\uaddc\ubaa8 \ucd94\uc0b0) 2024\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 1.4% ~ 5.8%\ub85c \uc99d\uac00\ud560 \uac83\uc774\ub2e4.<\/li>\n<\/ul>\n<h4><strong>\uc5ed\uc678 \uc790\uc0b0 \ud328\ud134\uc758 \uc9c0\uc18d\uc801 \ubcc0\ud654\uac00 \uc608\uc0c1\ub428<\/strong><\/h4>\n<p>\uc5ed\uc678 \uc790\uc0b0\uc740 \uc9c0\ub09c 20\ub144\uac04 1999\ub144 3\uc870 1,000\uc5b5 \ub2ec\ub7ec\uc5d0\uc11c 2019 \ub144 9\uc870 6,000\uc5b5 \ub2ec\ub7ec\ub85c \ud06c\uac8c \uc99d\uac00\ud588\ub2e4 (\ub3c4\ud45c 5 \ucc38\uc870). \uacfc\uac70\uc5d0 \uc704\uae30\uac00 \ubc1c\uc0dd\ud588\uc744 \ub54c\uc5d0\ub294 \uad6d\uacbd \uac04 \uc790\ubcf8\ud750\ub984\uc774 \ub2e8\uae30\uc801\uc73c\ub85c \uc99d\uac00\ud558\ub294 \uacbd\uc6b0\uac00 \uc77c\ubc18\uc801\uc774\uc5c8\ub2e4. \ucf54\ub85c\ub09819\uc758 \uc138\uacc4\uc801 \ub300\uc720\ud589\uc774 \uc720\uc0ac\ud55c \ubcc0\ud654\ub97c \uac00\uc838\uc62c \uc9c0\uc758 \uc5ec\ubd80\ub294 \uae30\uc5c5 \uc720\ub3d9\uc131\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc758 \uc2ec\uac01\uc131\uacfc, \ud2b9\uc815 \uc2dc\uc7a5\uc774 \uacbd\uc81c\uc801, \uc815\uce58\uc801 \ubd88\uc548\uc815\uc744 \uacaa\ub294\uc9c0\uc758 \uc5ec\ubd80, \uc815\ubd80\uac00 \uc704\uae30\uac1c\uc785 \ube44\uc6a9\uc744 \ucda9\ub2f9\ud558\uae30 \uc704\ud574 \ub354 \uc5c4\uaca9\ud55c \uc870\uc138 \uc870\uce58\ub97c \uc2dc\ud589\ud558\ub294\uc9c0\uc5d0 \ub2ec\ub824\uc788\ub2e4.<\/p>\n<p>\ub2e8\uae30\uc801\uc73c\ub85c \ud22c\uc790\uc790\ub4e4\uc740 \uc548\uc804\ud558\ub2e4\uace0 \uc778\uc2dd\ud558\ub294 \ud53c\ub09c\ucc98\ub85c \uc790\uc0b0\uc774\ub3d9\uc744 \uace0\ub824\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub41c\ub2e4. \uc774\ub7ec\ud55c \uc720\uc785\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0, \uc5ed\uc678 \uc790\uc0b0\uc740 \uc790\ubcf8\uc2dc\uc7a5\uc758 \uc601\ud5a5\uc73c\ub85c 2020\ub144\uc5d0 5.4% ~10.2 % \uac10\uc18c\ud560 \uac83\uc774\ub2e4. \uc911\uae30\uc801\uc73c\ub85c (2021\ub144 ~ 2024\ub144), \ud2b9\ud788 \uacbd\uae30 \uce68\uccb4\uac00 &#8220;\ud0c0\uaca9 \uc9c0\uc18d&#8221; \uc2dc\ub098\ub9ac\uc624\ub97c \ub530\ub974\ub294 \uacbd\uc6b0, \ud22c\uc790\uc790\ub294 \uc720\ub3d9\uc131\uc5d0 \uc27d\uac8c \uc811\uadfc\ud560 \uc218 \uc788\ub3c4\ub85d \uc790\uc0b0\uc758 \uc5ed\uc678 \uc774\ub3d9\uc744 \uace0\ub824\ud560 \uc218 \uc788\ub2e4.<\/p>\n<p>\uc9c0\uc5ed\ubcc4 \uc5ed\uc678 \uc790\uc0b0 \ud328\ud134\ub3c4 \ubcc0\ud654\ud558\uace0 \uc788\ub2e4. \uc608\ub97c \ub4e4\uc5b4 1999\ub144\uc5d0 \uc11c\uc720\ub7fd\uc740 \uc804 \uc138\uacc4 \uc5ed\uc678 \uc790\uc0b0\uc758 \uc57d 50 %\ub97c \ucc28\uc9c0\ud588\ub2e4. 2019\ub144 \uae30\uc900, \uc810\uc720\uc728\uc740 24%\ub85c \ub5a8\uc5b4\uc84c\uace0 2024\ub144\uc5d0\ub294 20%\ub97c \ud558\ud68c\ud560 \uac83\uc774\ub2e4. \ub300\uc870\uc801\uc73c\ub85c, \uc5ed\uc678 \uc790\uc0b0\uc5d0 \ub300\ud55c \uc544\uc2dc\uc544\uc758 \uc810\uc720\uc728\uc740 2024\ub144\uae4c\uc9c0 40%\uc5d0 \ub3c4\ub2ec\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub41c\ub2e4. \uc911\ub3d9\uacfc \uc911\ub0a8\ubbf8 \ub610\ud55c \uc5ed\uc678 \uc790\uc0b0 \uc810\uc720\uc728\uc774 \ud5a5\ud6c4 5 \ub144\uac04 \uc804 \uc138\uacc4 \ud3c9\uade0\ubcf4\ub2e4 \uc57d\uac04 \ube60\ub974\uac8c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc804\ub9dd\ub41c\ub2e4.<\/p>\n<p><a href=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_5-1.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2402\" src=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_5-1.jpg\" alt=\"\" width=\"1000\" height=\"1025\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_5-1.jpg 1000w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_5-1-293x300.jpg 293w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_5-1-768x787.jpg 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_5-1-696x713.jpg 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_5-1-410x420.jpg 410w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_5-1-356x364.jpg 356w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/a><\/p>\n<p>\uae30\uc7a5\uc13c\ud130(booking center) \uad00\uc810\uc5d0\uc11c \uc2a4\uc704\uc2a4\ub294 \uc804 \uc138\uacc4 \uc5ed\uc678 \uc790\uc0b0\uc758 \uc57d 1\/4\uc744 \ucc28\uc9c0\ud558\ub294 \ucd5c\ub300 \uc5ed\uc678 \uc790\uc0b0 \uc13c\ud130\uc774\ub2e4. \uadf8\ub7ec\ub098 \uc911\uad6d\uacfc \uc5ec\ud0c0 \uc544\uc2dc\uc544 \uad6d\uac00\uc758 \ubd80\uc720\uce35 \uac1c\uc778\uc790\uc0b0\uc774 \ube60\ub974\uac8c \uc131\uc7a5\ud568\uc5d0 \ub530\ub77c \ud64d\ucf69\uc774 \uadf8 \ub4a4\ub97c \ubc14\uc9dd \ucad3\uace0 \uc788\ub2e4. \uc774\ub4e4 \ubd80\uc720\uce35 \uac1c\uc778\ub4e4\uc740 \ud604\uc7ac \uc804\uc138\uacc4 \uc5ed\uc678 \uc790\uc0b0\uc758 17%\ub97c \ucc28\uc9c0\ud55c\ub2e4. \uc2f1\uac00\ud3ec\ub974\ub294 \uc5ed\uc678 \uc790\uc0b0\uc758 3\ub300 \ud5c8\ube0c\uc774\uba70 2019\ub144 \ucd1d \uae30\uc7a5\uaddc\ubaa8\uac00 1\uc870 \ub2ec\ub7ec\ub97c \ub118\ub294\ub2e4. \uc2f1\uac00\ud3ec\ub974 \ub610\ud55c \uc911\uad6d \uc790\uc0b0\uc758 \uc9c0\uc18d\uc801\uc778 \uc720\uc785\uc73c\ub85c \ub355\uc744 \ubcfc \uac83\uc73c\ub85c \uc608\uc0c1\ub41c\ub2e4. 2019\ub144\uc5d0 \uc2dc\uc791\ub41c \ud64d\ucf69 \uc2dc\uc704\ub294 \uc9c0\uae08\uae4c\uc9c0 \uc5ed\uc678 \uc790\uc0b0\uc5d0 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce58\uc9c0 \uc54a\uc558\uc9c0\ub9cc, \ud63c\ub780\uc774 \uc9c0\uc18d\ub41c\ub2e4\uba74 \uc2f1\uac00\ud3ec\ub974 \ubc0f \uae30\ud0c0 \uc5ed\uc678\uc790\uc0b0 \uc13c\ud130\ub85c\uc758 \uc790\uc0b0 \ud750\ub984\uc774 \ucd09\ubc1c\ub420 \uc218 \uc788\ub2e4.<\/p>\n<h3><strong>\uc790\uc0b0\uad00\ub9ac\uc758 \ud5a5\ud6c4 20\ub144<\/strong><\/h3>\n<p>\ubbf8\ub798\ub97c \uc0c1\uc0c1\ud560 \ub54c \uc77c\ubc18\uc801\uc73c\ub85c \ub85c\ubd07, \ud640\ub85c\uadf8\ub7a8, \uc774\uc2dd\uac00\ub2a5 \uc7a5\uce58, \uae30\ud0c0 \ud2b9\ubcc4\ud55c \uc7a5\uce58 \ubc0f \ub3c4\uad6c\ub85c \uac00\ub4dd \ucc2c \uc138\uc0c1\uc744 \uc608\uc0c1\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\ub2e4. \uc774\ub7ec\ud55c \uae30\uc220 \uc911 \uc0c1\ub2f9\uc218\ub294 \uc77c\uc0c1 \uc0dd\ud65c\uc5d0 \uc911\uc694\ud55c \uc694\uc18c\ub85c \uc790\ub9ac\uc7a1\uac8c \ub418\uaca0\uc9c0\ub9cc, \uace0\uac1d\uc774 \ubbf8\ub798\uc5d0 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub85c\ubd80\ud130 \uac00\uc7a5 \uc6d0\ud558\ub294 \uac83\uc740 \ubcf4\ub2e4 \ub2e8\uc21c\ud558\uace0 \uc811\uadfc\uc131\uc774 \uc88b\uc740 \uc591\ubc29\ud5a5 \uc11c\ube44\uc2a4\uc774\ub2e4. \uc2e4\uc801\uc774 \uc5ec\uc804\ud788 \ub9e4\uc6b0 \uc911\uc694\ud558\uaca0\uc9c0\ub9cc, \uc774\ub97c \uc2e4\ud604\ud558\uae30 \uc704\ud574\uc11c\ub294 \uac74\uc804\ud55c \uc7ac\ubb34\uc218\uc775 \uc774\uc0c1\uc758 \uac83\uc774 \ud544\uc694\ud558\ub2e4. \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 \uace0\uac1d\uc758 \uc2e0\ub8b0\ub97c \uc5bb\uc5b4\uc57c \ud558\uba70, \ud765\ubbf8\ub86d\uace0 \uc0dd\uc0b0\uc801\uc778 \ub2e4\uc591\ud55c \ubc29\uc2dd\uc73c\ub85c \uc790\uc0b0\uc744 \uad00\ub9ac\ud574\uc57c \ud55c\ub2e4.<br \/>\n2040\ub144\uc774 \ub418\uba74 \uc218\ubc31\uc5b5 \uac1c\uc758 \uc5f0\uacb0\ub41c \uc7a5\uce58\ub4e4\uc774 \uc81c\ud0c0\ubc14\uc774\ud2b8 \uaddc\ubaa8\uc758 \ub370\uc774\ud130\ub97c \uc0dd\uc131\ud558\uace0 \ud604\uae30\uc99d \ub098\ub294 \uc18d\ub3c4\ub85c \ub370\uc774\ud130 \uc2a4\ud2b8\ub9bc\uc744 \uc5c5\ub370\uc774\ud2b8\ud560 \uac83\uc774\ub2e4. \uc804\ud654, \uac00\uc815 \ubc0f \uc9c1\uc7a5\uc5d0 \ub3c4\uc785\ub418\ub294 \uae30\uacc4\ub294 \uc778\uac04\uc758 \uc778\uc9c0\ub2a5\ub825\uc744 \ub6f0\uc5b4 \ub118\ub294 \ubc29\uc2dd\uc73c\ub85c \ub370\uc774\ud130\ub97c \uc81c\uacf5\ud560 \uac83\uc774\ub2e4. \uace0\uac1d\uc740 \ub354 \ub9ce\uc740 \uc9c0\uc2dd\uc744 \uc989\uc2dc \uc5bb\uc744 \uc218 \uc788\uac8c \ub418\uaca0\uc9c0\ub9cc \uadf8 \uc5b4\ub290 \ub54c\ubcf4\ub2e4 \uc778\uc0ac\uc774\ud2b8\ub97c \ud544\uc694\ub85c \ud560 \uac83\uc774\ub2e4. \uc815\ubcf4\uac00 \ud758\ub7ec \ub118\uce58\ub294 \uc0ac\ud68c\uc758 \uc5ed\uc124\uc740 \uac00\uc6a9\ud55c \ubaa8\ub4e0 \uc815\ubcf4\ub97c \uc774\ud574\ud560 \ub9cc\ud55c \uc2dc\uac04\uc774 \uc5c6\ub2e4\ub294 \uac83\uc774\ub2e4.<\/p>\n<p>\uc790\uc0b0\uad00\ub9ac \uace0\uac1d \ud480\uc774 \ub354 \ucee4\uc9c0\uace0 \uc80a\uc5b4\uc9c0\uba70 \ub2e4\uc591\ud574\uc9c0\uace0 \uae00\ub85c\ubc8c\ud654 \ud568\uc5d0 \ub530\ub77c, \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\uc5d0 \ub300\ud55c \uae30\ub300\ub3c4 \ubcc0\ud654\ud560 \uac83\uc774\ub2e4. \uc778\uc0ac\uc774\ud2b8\ub97c \uc5bb\uae30 \uc704\ud574 \uae00\ub85c\ubc8c \uba54\uac00 \ud2b8\ub80c\ub4dc\uc640 \ub514\uc9c0\ud138 \ubbf8\ub798\uc5d0 \ub300\ud55c \uc544\uc774\ub514\uc5d0\uc774\uc158 \uc138\uc158\uc744 \ubbf8\uad6d\uacfc \uc720\ub7fd\uc5d0\uc11c \uc2e4\uc2dc\ud588\uc73c\uba70, \ub3d9 \uc138\uc158\uc5d0\ub294 \uc804\ubb38\uac00 \uc9d1\ub2e8, \uc80a\uc740 \uc138\ub300 (X, Y, Z \uc138\ub300), \uc790\uc0b0\uad00\ub9ac \uace0\uac1d, \uc5c5\uacc4 \uc804\ubb38\uac00\uac00 \ucc38\uc5ec\ud588\ub2e4. \ub610\ud55c \uc790\uc0b0\uad00\ub9ac \ubc0f \uae30\uc220 \ubd80\ubb38, \ubd80\uc720\uce35 \uc790\ubb38\/\uc9c0\uc6d0\uacfc \uad00\ub828\ud55c \uc5ec\ud0c0 \uc0b0\uc5c5 \ubd84\uc57c\uc758 40\uba85 \uc774\uc0c1\uc758 \uae30\uc5c5 \ub9ac\ub354\ub97c \uc778\ud130\ubdf0\ud588\uc73c\uba70, \uae08\uc735 \uc11c\ube44\uc2a4 \uc5c5\uacc4\uc758 \uc57d 200\uba85\uc744 \ub300\uc0c1\uc73c\ub85c \uc124\ubb38\uc870\uc0ac\ub97c \uc2e4\uc2dc\ud588\ub2e4 (&#8220;\ub9e4\uc6b0 \ub2ec\ub77c\uc9c8 \ubbf8\ub798\ub97c \uc0c1\uc0c1&#8221; \ucc38\uc870).<\/p>\n<p>\uadf8\ub4e4\uc758 \uc778\uc0ac\uc774\ud2b8\uc640 BCG\uc758 \ubd84\uc11d\uc5d0 \ub530\ub974\uba74 \uc9c0\ub09c 20\ub144 \ub3d9\uc548 \uc790\uc0b0\uad00\ub9ac \ud658\uacbd\uc744 \uc7ac\ud3b8\ud558\uae30 \uc2dc\uc791\ud55c \ud30c\uad34\uc801\uc778 \ucd94\uc138\uc5d0 \uc18d\ub3c4\uac00 \ubd99\uc744 \uac83\uc774\uba70, \ube60\ub978 \ub514\uc9c0\ud138\ud654, \ub354 \ub9ce\uc740 \uc9c0\uc2dd\uacfc \uad8c\ud55c\uc744 \uac16\ucd98 \uace0\uac1d \uae30\ubc18, \uc120\ud0dd\uad8c \ud655\ub300\uac00 \uac00\uc18d\ud654\uc5d0 \uae30\uc5ec\ud560 \uac83\uc774\ub2e4. \uadf8\ub7ec\ub098 \uc5ec\ub7ec \uce21\uba74\uc5d0\uc11c \ud5a5\ud6c4 20\ub144 \ub3d9\uc548 \uac00\uc7a5 \ud30c\uad34\uc801\uc778 \uc694\uc18c\ub294 \ubcc0\ud654\uc758 \uc18d\ub3c4 \uc790\uccb4\uac00 \ub420 \uac83\uc774\ub2e4.<\/p>\n<h4><strong>\ubbf8\ub798\uc758 \uace0\uac1d\uc740 \uc790\uc0b0\uc744 \ud1b5\ud574 \ub354 \ub9ce\uc740 \uac83\uc744 \uc6d0\ud558\uac8c \ub420 \uac83<\/strong><\/h4>\n<p>20\ub144 \ud6c4\uba74 X \uc138\ub300\ub294 \ud1f4\uc9c1\ud558\uace0 Y \uc138\ub300\ub294 \ucd5c\uace0\uc758 \uc218\uc785\uc744 \uc62c\ub9ac\ub294 \ub098\uc774\uac00 \ub420 \uac83\uc774\uba70, Z \uc138\ub300\ub294 \uacbd\ub825\uc744 \ud55c\ucc3d \uc313\ub294 \uc2dc\uae30\uc77c \uac83\uc774\ub2e4. \uc9c0\ub09c 100\ub144 \ub3d9\uc548\uc758 \uc804\ud615\uc801\uc778 \uc790\uc0b0\uad00\ub9ac \uace0\uac1d\uc774 \uc11c\uad6c\uc758 50\ub300 \ubc31\uc778 \ub0a8\uc131\uc774\uc5c8\ub2e4\uba74, \ubbf8\ub798\uc5d0\ub294 \uac70\uc758 \ubaa8\ub4e0 \uce21\uba74\uc5d0\uc11c \uace0\uc815\uad00\ub150\uc774 \ub4a4\uc9d1\ud790 \uac83\uc774\ub2e4. BCG\uac00 &#8220;\ud5a5\ud6c4 10\ub144 \ub3d9\uc548\uc758 \uc5ec\uc131\uace0\uac1d \uc790\uc0b0\uad00\ub9ac (Managing the Next Decade of Women\u2019s Wealth)&#8221;\uc5d0\uc11c \ubcf4\uace0\ud55c \ubc14\uc640 \uac19\uc774 \uc55e\uc73c\ub85c \uba87 \ub144 \ub3d9\uc548 \uc5ec\uc131\uc758 \uc790\uc0b0 \uc99d\uac00\uac00 \ub0a8\uc131 \ub300\ube44 \ub354 \ube68\ub77c\uc9c8 \uac83\uc774\ub2e4. \uc131\uc7a5\uc2dc\uc7a5\uc740 \ubd80\uc758 \ucd95\uc801 \uc18d\ub3c4\uc5d0\uc11c \uc131\uc219\uc2dc\uc7a5\uc744 \uc55e\uc9c0\ub97c \uac83\uc774\uba70, \uacbd\uc81c\uc801 \uc131\ucde8 \ud655\uc0b0\uc73c\ub85c \uc138\uacc4\uc801\uc73c\ub85c \ub354 \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc774 \ubd80\ub97c \ucd95\uc801\ud558\uac8c \ub420 \uac83\uc774\ub2e4.<\/p>\n<p>X, Y, Z \uc138\ub300\ub294 \ub610\ud55c \uc774\uc804 \uc138\ub300\ubcf4\ub2e4 \uad50\uc721 \uc218\uc900\uc774 \ub192\uace0 \ub354 \ub9ce\uc740 \uacbd\uc81c\uc801 \uad8c\ud55c\uc744 \uac00\uc9c0\uac8c \ub420 \uac83\uc774\ub2e4. \uc774\ub4e4 \uc80a\uc740 \uc138\ub300\ub294 \uacbd\uc81c\uc801, \uc9c0\uc815\ud559\uc801 \ubcc0\ub3d9\uc131\uc774 \uc99d\uac00\ud55c \uc5ed\ub3d9\uc801\uc774\uace0 \ube60\ub974\uac8c \ubcc0\ud654\ud558\ub294 \uae00\ub85c\ubc8c \ud658\uacbd\uc5d0\uc11c, \ub610\ud55c \ud56d\uc0c1 \uc778\ud130\ub137\uc5d0 \uc811\uc18d\ub41c \uc138\uc0c1\uc5d0 \uc0b4\uac8c \ub420 \uac83\uc774\uba70 \uc815\ubcf4\uacf5\uc720\uc640 \uac1c\uc778\uc815\ubcf4 \ubcf4\ud638 \uc0ac\uc774\uc758 \ubaa8\ud638\ud55c \uc601\uc5ed\uc774 \uc99d\uac00\ud558\uac8c \ub420 \uac83\uc774\ub2e4.<\/p>\n<p>\uc774\ub4e4 \uc80a\uc740 \uc138\ub300\ub4e4\uc5d0\uac8c \u5bcc\ub294 \ub2e8\uc21c\ud788 \ub3c8\uc5d0 \uad00\ud55c \uac83\uc774 \uc544\ub2c8\ub77c \uc758\ubbf8, \ubaa9\uc801, \uc5f0\uacb0, \uc138\uc0c1\uc5d0 \uae0d\uc815\uc801 \ubcc0\ud654\ub97c \uc2e4\ud604\ud558\ub294 \uac83\uc5d0 \uad00\ud55c \uac83\uc774\ub2e4. \uc774\ub7ec\ud55c \uc9c0\ud5a5\uc810\uc73c\ub85c \uc778\ud574 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\uc758 \ubbf8\ub798\uac00 \ub9e4\uc6b0 \ub2ec\ub77c\uc9c8 \uac83\uc774\ub2e4.<\/p>\n<h4><strong>\uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 \ub3c4\uc804\uacfc\uc81c\uc5d0 \ub9de\uc11c\uc57c \ud568<\/strong><\/h4>\n<p>\ud5a5\ud6c4 20\ub144 \ub3d9\uc548 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\uc758 \ubaa8\ub378\uc740 \ud655\uc7a5\ub418\uace0 \ucd08\uc810\uc744 \uc7ac\uc124\uc815\ud558\uac8c \ub420 \uac83\uc774\uba70, \uc0ac\ub78c\uacfc \uae30\uacc4 \uc0ac\uc774\uc758 \uad6c\ubd84\uc774 \uc0ac\ub77c\uc9c8 \uac83\uc774\ub2e4. \uace0\uac1d\uc774 \ubcc0\ud654\ub97c \ud544\uc694\ub85c \ud568\uc5d0 \ub530\ub77c \uc11c\ube44\uc2a4\uc640 \uc0c1\ud638\uc791\uc6a9\uc740 \uc5ec\ub7ec \uac00\uc9c0 \ubc29\uc2dd\uc73c\ub85c \uc9c4\ud654\ud560 \uac83\uc774\ub2e4 (\ub3c4\ud45c 6 \ucc38\uc870).<\/p>\n<h5><strong>\uc0c1\ud638\uc791\uc6a9\uc758 \ub514\uc9c0\ud138\ud654\uc5d0\uc11c \uc778\uac04\ud654\ub85c <\/strong><\/h5>\n<p>\uc55e\uc73c\ub85c \uba87 \ub144 \ub3d9\uc548 \uace0\uac1d\uc5d0\uac8c \ubcf4\ub2e4 \ube60\ub974\uace0 \uc608\uce21 \uac00\ub2a5\ud55c \uacbd\ud5d8\uc744 \uc81c\uacf5\ud560 \uc218 \uc788\ub2e4\ub294 \uc810 \ub54c\ubb38\uc5d0 \uc790\ub3d9\ud654 \uc2dc\uc2a4\ud15c, \ub85c\ubd07, \ucc57\ubd07\uc774 \uc77c\uc0c1\uc801\uc778 \uc694\uad6c\uc640 \uc870\uce58\ub97c \uc9c0\uc6d0\ud558\ub294 \uc5ed\ud560\uc744 \uc0c1\ub2f9\ubd80\ubd84 \uc218\ud589\ud558\uac8c \ub420 \uac83\uc774\ub2e4. \uadf8\ub7ec\ub098 \ub85c\ubd07\uacfc \ucc57\ubd07\uc758 \ud6a8\uc728\uc131\uc73c\ub85c \uc778\ud574 \ud5a5\ud6c4 \uba87 \ub144\uac04 RM\uc758 \uc218\uac00 \uc904\uc5b4\ub4e4\uac8c \ub418\uba74, \ub0a8\uc740 \uc778\ub825\uc758 \uc5ed\ud560\uc774 \ud06c\uac8c \ud655\ub300\ub420 \uac83\uc774\uba70 \uc0c8\ub85c\uc6b4 \uc5ed\ud560\ub3c4 \uc694\uad6c\ub420 \uac83\uc774\ub2e4. \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 \uc81c\uacf5\ud558\ub294 \uc11c\ube44\uc2a4\uc758 \ubc94\uc704 \ub610\ub294 \uc804\ubb38\uc9c0\uc2dd\ubfd0\ub9cc \uc544\ub2c8\ub77c, \uace0\uac1d\uc758 \uac00\uc7a5 \ubcf5\uc7a1\ud55c \uc694\uad6c\ub97c \ud574\uacb0\ud558\uae30 \uc704\ud55c \ub9de\ucda4\ud615 \uc11c\ube44\uc2a4\uc640 \uc778\uc0ac\uc774\ud2b8\ub97c \ud1b5\ud574 \uc790\uc2e0\uc758 \uac00\uce58\ub97c \uc99d\uba85\ud574\uc57c \ud55c\ub2e4. \uc81c\ud488\uacfc \uc194\ub8e8\uc158\uc758 \uc6b0\uc218\uc131\uc740 \uc5ec\uc804\ud788 \uc911\uc694\ud560 \uac83\uc774\ub2e4. \uadf8\ub7ec\ub098, \uad00\uacc4\uc758 \uce5c\ubc00\ub3c4\uc640 \uac1c\ubcc4 \uace0\uac1d\uc5d0 \ub300\ud55c \ud3ed\ub113\uc740 \uc815\ubcf4, \uc774\ub4e4\uc758 \ud658\uacbd \ubc0f \uc0c1\ud669 \ub610\ud55c \uadf8\ub9cc\ud07c \uc911\uc694\ud574\uc9c8 \uac83\uc774\ub2e4.<\/p>\n<p>\ucd5c\uace0\uc758 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\uc640 \ub098\uba38\uc9c0\ub97c \uad6c\ubd84\ud558\ub294 \ucc28\ubcc4\uc131\uc740 \uace0\uac1d \ubcc4 \uc778\uc0ac\uc774\ud2b8\ub97c \ub3c4\ucd9c\ud558\uace0 \uc774\uc5d0 \uae30\ubc18\ud574 \uc2e0\uc18d\ud558\uac8c \uc6c0\uc9c1\uc774\ub294 \ub2a5\ub825\uc5d0\uc11c \ub098\uc624\uac8c \ub420 \uac83\uc774\ub2e4. \uacbd\uc7c1\uc5d0\uc11c \uc2b9\ub9ac\ud558\ub294 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 \uc790\uccb4 \uc815\ubcf4\uc218\uc9d1 \ub610\ub294 \ud30c\ud2b8\ub108\/\uc5ec\ud0c0 \uc678\ubd80 \uc81c\uacf5\uc5c5\uccb4\ub85c\ubd80\ud130 \uc815\ubcf4 \uc2a4\ud2b8\ub9bc\uc744 \uc218\uc9d1\ud558\ub294 \ud0c1\uc6d4\ud55c \ub2a5\ub825\uc744 \ubcf4\uc720\ud560 \ubfd0\ub9cc \uc544\ub2c8\ub77c \ub370\uc774\ud130\ub97c \ud574\uc11d\ud558\uace0 \uc778\uc0ac\uc774\ud2b8\ub97c \ub300\uaddc\ubaa8\ub85c \uc2e4\ud589\ud558\ub294 \ub6f0\uc5b4\ub09c \ub2a5\ub825\uc744 \ubcf4\uc77c \uac83\uc774\ub2e4. \uc601\uad6d\uc5d0 \ubcf8\uc0ac\ub97c \ub454 \ud504\ub77c\uc774\ube57 \ubc45\ud06c \ucc45\uc784\uc790\ub294 &#8220;\ubbf8\ub798\uc758 \uace0\uac1d\uc740 \uc6d0\ud558\ub294 \ub54c\uc5d0 \uc6d0\ud558\ub294 \uc815\ubcf4\uc5d0 \uc811\uadfc\ud558\uac8c \ud560 \uc218 \uc788\ub294 \ucd5c\uace0\uc758 \ub514\uc9c0\ud138 \uc5ed\ub7c9\uc744 \uac16\ucd94\uc9c0 \ubabb\ud55c \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\uc640 \uacb0\ucf54 \uac70\ub798\ud558\uc9c0 \uc54a\uc744 \uac83&#8221;\uc774\ub77c\uace0 \ub9d0\ud588\ub2e4.<\/p>\n<p>\uadf8\ub7ec\ub098 \uae30\uacc4\uc758 \ub2a5\ub825\uc774 \uc544\ubb34\ub9ac \ub6f0\uc5b4\ub098\ub3c4 \uc2e0\ub8b0\ud560 \uc218 \uc788\ub294 \uac1c\uc778\uc801 \uad00\uacc4\ub294 \ub354 \ubcf5\uc7a1\ud55c \ub2c8\uc988\ub97c \ubcf4\uc720\ud558\ub294 \uacbd\ud5a5\uc758 \uc0c1\uc704 \uc790\uc0b0\uad70 \uace0\uac1d\uc5d0\uac8c \ud2b9\ud788 \ud575\uc2ec\uc801\uc778 \uc5ed\ud560\uc744 \ud560 \uac83\uc774\ub2e4. \uc758\ubbf8 \uc788\uace0 \uc2e0\ub8b0\ud560 \uc218 \uc788\ub294 \uad00\uacc4\ub97c \ud615\uc131\ud558\uae30 \uc704\ud574\uc11c\ub294 \uc778\uac04\uc758 \ud310\ub2e8, \ucc3d\uc758\uc131 \ubc0f \uacf5\uac10\uc774 \ud544\uc218\uc801\uc774\ub2e4. \ub85c\ubd07\uacfc AI\ub294 \uc774\ub7ec\ud55c \ud2b9\uc9d5\uc744 \uc27d\uac8c \ubcf5\uc81c\ud560 \uc218 \uc5c6\ub2e4. \ud55c \uae00\ub85c\ubc8c \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\uc758 \ub514\uc9c0\ud138 \uc804\ub7b5 \ucc45\uc784\uc790\ub294 &#8220;\uc2e0\ub8b0\ub294 \ubbf8\ub798\uc5d0\ub3c4 \ud544\uc218 \uc694\uc18c\uac00 \ub420 \uac83\uc774\ub2e4. \ud50c\ub7ab\ud3fc\uacfc \ub514\uc9c0\ud138 \uc194\ub8e8\uc158\ub9cc\uc73c\ub85c\ub294 \uc2e0\ub8b0\ub97c \uad6c\ucd95\ud558\uae30\uc5d0 \ucda9\ubd84\ud558\uc9c0 \uc54a\ub2e4&#8221;\ub77c\uace0 \ub9d0\ud588\ub2e4.<\/p>\n<hr \/>\n<h4><strong>\ub9e4\uc6b0 \ub2ec\ub77c\uc9c8 \ubbf8\ub798\ub97c \uc0c1\uc0c1<\/strong><\/h4>\n<p>\ub3d9 \ubcf4\uace0\uc11c\ub294 2040\ub144\uae4c\uc9c0 \ubc1c\uc0dd\ud560 \uac00\uc7a5 \uac00\ub2a5\uc131\uc774 \ub192\uc740 \uc790\uc0b0\uad00\ub9ac \ubcc0\ud654\ub97c \ub2e4\ub8e8\uace0 \uc788\ub2e4. \ubc18\uba74, \uc778\ud130\ubdf0\uc640 \uc6cc\ud06c\uc20d\uc5d0 \ucc38\uc5ec\ud55c \uae30\uc5c5 \ub9ac\ub354\ub4e4\uc740 \uc5ec\ub7ec \uad11\ubc94\uc704\ud558\uace0 \ucc3d\uc758\uc801\uc778 \uc544\uc774\ub514\uc5b4\ub97c \ub0b4\ub193\uc558\ub2e4.<\/p>\n<p>\uc774 \uc911 \uc77c\ubd80\ub294 \uacb0\ucf54 \uc2e4\ud604\ub418\uc9c0 \uc54a\uc744 \uc218\ub3c4 \uc788\uc9c0\ub9cc, \uc544\uc774\ub514\uc5b4\uc758 \uc0c1\ub2f9\uc218\uac00 \uc0c1\ub2f9\ud55c \uc7a0\uc7ac\uc131\uc744 \uac00\uc9c0\uace0 \uc788\uc73c\uba70 \uc790\uc0b0\uad00\ub9ac\uc5c5\uacc4\uc758 \uc804\ub7b5\uc801 \uc0ac\uace0\uc5d0 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\ub2e4 (\ub3c4\ud45c \ucc38\uc870).<\/p>\n<p><a href=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_7.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2404\" src=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_7.png\" alt=\"\" width=\"1000\" height=\"995\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_7.png 1000w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_7-300x300.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_7-150x150.png 150w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_7-768x764.png 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_7-696x693.png 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_7-422x420.png 422w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/a><\/p>\n<hr \/>\n<h5><a href=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_8.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2405\" src=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_8.jpg\" alt=\"\" width=\"1016\" height=\"637\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_8.jpg 1016w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_8-300x188.jpg 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_8-768x482.jpg 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_8-696x436.jpg 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_8-670x420.jpg 670w\" sizes=\"auto, (max-width: 1016px) 100vw, 1016px\" \/><\/a><\/h5>\n<h5><strong>\uace0\uc815\ub41c \uc0c1\ud488\uc5d0\uc11c \ub9de\ucda4\ud615 \uc194\ub8e8\uc158\uc73c\ub85c<\/strong><\/h5>\n<p>\ud5a5\ud6c4 20\ub144 \ub3d9\uc548 \uac00\uc7a5 \uc55e\uc120 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 \ud5a5\ud6c4 \ub2e8\uacc4\ub4e4\uc744 \ubbf8\ub9ac \uace0\ubbfc\ud558\uace0, \uace0\uac1d\uc758 \ub2c8\uc988\uac00 \uc694\uad6c\ub418\uae30 \uc804\uc5d0 \uace0\uac1d\uc9c0\uc6d0\uc744 \uc704\ud574 \uc5b4\ub5a4 \uc720\ud615\uc758 \uc194\ub8e8\uc158\uacfc \uc9c0\uc6d0\uc774 \ud544\uc694\ud560\uc9c0 \ud30c\uc545\ud560 \uc218 \uc788\uc744 \uac83\uc774\ub2e4. \ucc28\uc138\ub300 \uae30\uacc4\ud559\uc2b5 \ubd84\uc11d\uc744 \ud1b5\ud574 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 \uc7a0\uc7ac\uc801\uc778 \uace0\uac1d \uae30\ud68c\ub97c \uae30\ubbfc\ud558\uac8c \ucc3e\uc544\ub0bc \uc218 \uc788\ub2e4. \ubaa8\ub378\uc758 \uc77c\ubd80\uc778 \uc2dc\uac01\ud654 \ub3c4\uad6c\ub97c \ud1b5\ud574 \uc790\ubb38\uc740 \uace0\uac1d\uc5d0\uac8c \ub2e4\uc591\ud55c \uae08\uc735 \ubc0f \ud22c\uc790 \uc120\ud0dd\uc744 \uc548\ub0b4\ud560 \uc218 \uc788\uc73c\ubbc0\ub85c \uc5ec\ub7ec \uc2dc\ub098\ub9ac\uc624\uac00 \uc5b4\ub5bb\uac8c \uc9c4\ud589\ub420\uc9c0 \uc880 \ub354 \uc9c1\uad00\uc801\uc73c\ub85c \uc608\uc0c1\ud560 \uc218 \uc788\ub2e4. \uadf8\ub7f0 \ub2e4\uc74c RM\uc740 \ud544\ud130\ub97c \uc801\uc6a9\ud558\uc5ec \uace0\uac1d\uc758 \ud22c\uc790 \ucd08\uc810\uc5d0 \ub9de\ub294 \uc790\uc0b0\uc744 \uac80\uc0c9\ud558\uace0 \uc120\ubcc4\ub41c \ubaa9\ub85d\uc744 \uace0\uac1d\uacfc \uacf5\uc720\ud560 \uc218 \uc788\ub2e4. \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 \uad11\ubc94\uc704\ud55c \uc0c1\ud488\/\uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\ub294 \ub300\uc2e0, \uc2ec\uc0ac\ub41c \ucd5c\uc801\uc758 \uc635\uc158\ub4e4\uc744 \ucc98\uc74c\ubd80\ud130 \uace0\uac1d\uc5d0\uac8c \uc81c\uc2dc\ud560 \uc218 \uc788\ub2e4.<\/p>\n<p>\uacfc\uac70\uc5d0\ub294 \uc774\ub7ec\ud55c \uc218\uc900\uc758 \ub9de\ucda4\ud654\ub97c \uc81c\uacf5\ud558\ub294 \ub370 \ub9ce\uc740 \ube44\uc6a9\uc774 \ucd08\ub798\ub418\uc5c8\ub2e4. \uadf8\ub7ec\ub098 \uae30\uc220\uc758 \ubc1c\uc804\uc73c\ub85c \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 \ud604\uc7ac \uc18c\uc694\ub418\ub294 \uc2dc\uac04\uacfc \ube44\uc6a9\uc758 \uc544\uc8fc \uc77c\ubd80\ub9cc \ud22c\uc790\ud574\ub3c4 \uace0\ub3c4\ub85c \ub9de\ucda4\ud654\ub41c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \ub9cc\ub4e4\uc5b4 \ub0bc \uc218 \uc788\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \ub514\uc9c0\ud138\ud654 \ub41c \uc0c1\ud488 \uad6c\uc131\uc694\uc18c \ub77c\uc774\ube0c\ub7ec\ub9ac \ub355\ubd84\uc5d0 RM\uc774 \ubc84\ud2bc\uc744 \ub204\ub974\uae30\ub9cc \ud558\uba74 \uc720\ub85c\ud654\ub85c \ud45c\uc2dc\ub418\uace0 \uc544\ud504\ub9ac\uce74 \uc2dc\uc7a5\uc5d0 25%\ub97c \ud22c\uc790\ud558\ub294 \uccad\uc815 \uc5d0\ub108\uc9c0 \ud22c\uc790\uc0c1\ud488\uc744 \ub9cc\ub4e4 \uc218 \uc788\ub2e4. \uc790\ubb38\uacfc \uc77c\uc784 \uc0c1\ud488\uc758 \uae30\uc874 \uad6c\ubd84\uc740 \uc704\uc784\ub0b4\uc6a9\uc774 \ud601\uc2e0\ud654\ub418\uba74\uc11c \uc591 \ucabd\uc758 \uc694\uc18c\uac00 \uacb0\ud569\ub428\uc5d0 \ub530\ub77c \uc0ac\ub77c\uc9c0\uac8c \ub420 \uac83\uc774\ub2e4.<\/p>\n<p>\ub514\uc9c0\ud138\ud654\ub294 \ub9de\ucda4\ud615 \ud22c\uc790\uc758 \ud55c\uacc4\ube44\uc6a9\uc744 \ub0ae\ucd94\ub294 \uac83 \uc678\uc5d0\ub3c4 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\uac00 \uc2a4\ub9c8\ud2b8 \ud3c9\uac00\uae30\uc900\uc744(metrics) \uad6c\ucd95\ud560 \uc218 \uc788\uac8c \ud55c\ub2e4. \uace0\uac1d\uc740 \ud68c\uc0ac\uc758 \uc804\ub7b5\uc801 \uc758\uc0ac\uacb0\uc815\uacfc \uc7ac\ubb34\uc131\uacfc\uac00 \uc5b4\ub5bb\uac8c \uc218\uc775\uc744 \uac15\ud654\ud588\ub294\uc9c0, \ub610\ub294 \ud22c\uc790\uac00 \uc5b4\ub5bb\uac8c \uc628\uc2e4\uac00\uc2a4\ub97c \uac10\ucd95\ud558\uace0, \ud658\uacbd\uc774 \uc5b4\ub824\uc6b4 \ud559\uc0dd\ub4e4\uc744 \uc704\ud55c \uad50\uc721\uc131\uacfc\ub97c \ud5a5\uc0c1\uc2dc\ud0a4\uac70\ub098, \ub354 \ub098\uc740 \uac74\uac15 \uc131\uacfc\ub85c \uc774\uc5b4\uc84c\ub294\uc9c0 \uc774\ud574\ud560 \uc218 \uc788\ub2e4. \ud22c\uba85\uc131 \uc99d\ub300\uc640 \uce21\uc815 \uac00\ub2a5\ud55c \uc778\uc0ac\uc774\ud2b8\ub97c \ud1b5\ud574 \uc790\uc0b0\uad00\ub9ac \uace0\uac1d\uc774 \ud22c\uc790\ucc98\uc640 \ud22c\uc790\ubc29\ubc95\uc5d0 \ub300\ud55c \uc8fc\uc778\uc758\uc2dd\uc744 \uac00\uc9c8 \uc218 \uc788\uc73c\uba70 \uac00\uce58\ucc3d\ucd9c \ubc29\uc2dd\uc744 \ubcf4\ub2e4 \uba85\ud655\ud788 \uc774\ud574\ud560 \uc218 \uc788\ub2e4.<\/p>\n<h5><strong>\ubb34\ubbf8\uac74\uc870\ud558\uace0 \uace0\ub8e8\ud55c \ud22c\uc790\uc5d0\uc11c \ubaa9\uc801\uc758\uc2dd\uc774 \uc788\uace0 \ud765\ubbf8\ub85c\uc6b4 \ud22c\uc790\ub85c<\/strong><\/h5>\n<p>\ub9ce\uc740 \uace0\uac1d\ub4e4\uc774 \uadf8\ub4e4\uc758 \ud22c\uc790\uac00 \uc2e4\uc81c \uc138\uc0c1\uc5d0 \uc601\ud5a5\uc744 \uc8fc\ub294 \ub300\ub2f4\ud558\uace0 \ubaa9\uc801\uc758\uc2dd\uc774 \uc788\ub294 \uc131\uaca9\uc744 \uac00\uc9c0\uae30\ub97c \uc6d0\ud55c\ub2e4. \uc774\ub97c \uc704\ud574 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 \uc7ac\ubb34\uc801, \uc2ec\ub9ac\uc801 \uc131\uacfc\ub97c \ubaa8\ub450 \uc81c\uacf5\ud574\uc57c \ud55c\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uace0\uac1d\uc774 \uc911\uc694\ud558\uace0 \uc120\uad6c\uc801\uc778 \uc18c\uaddc\ubaa8 \uc0ac\uc5c5 \uc790\uae08\uc744 \uc9c0\uc6d0\ud55c\ub2e4\uac70\ub098, \ud601\uc2e0\uc801 \uc9c4\ubcf4 \ub610\ub294 \uc2dc\uc7a5\ud615\uc131 \ub178\ub825\uc5d0 \uc720\uc758\ubbf8\ud55c \uc9c0\ubd84\uc744 \ud655\ubcf4\ud568\uc73c\ub85c\uc368 \ud601\uc2e0\uc790\uc758 \uc5ed\ud560\uc744 \uc218\ud589\ud558\ub294 \ub370 \uad00\uc2ec\uc774 \uc788\uc744 \uc218 \uc788\ub2e4.<\/p>\n<p>\ud328\uc2dc\ube0c \ud22c\uc790\uc640 \uc2a4\ub9c8\ud2b8 \ubca0\ud0c0 \ud22c\uc790\ub294 \uacc4\uc18d \uc131\uc7a5\ud560 \uac83\uc774\uc9c0\ub9cc \ubd80\uc720\uce35 \uac1c\uc778 \uace0\uac1d\ub4e4\uc740 \uac70\ub9ac\ub97c \ub450\uba74\uc11c \uc218\uc775\ub960\ub9cc \uc2e4\ud604\ud558\ub294 \uac83\uc774 \uc131\uacf5\uc774\ub77c\uace0 \uc0dd\uac01\ud558\uc9c0 \uc54a\uc744 \uac83\uc774\ub2e4. \uadf8\ub4e4\uc740 \uc790\uc2e0\uc758 \ubd80\ub97c \ud655\ub300\ud558\uace0 \uc758\ubbf8 \uc788\uac8c \ud601\uc2e0\uc744 \ucd94\uc9c4\ud558\uae30 \uc704\ud574 \ubbf8\ub798\ub97c \uc801\uadf9\uc801\uc73c\ub85c \ud615\uc131\ud574\ub098\uac00\ub294 \uac83\ub3c4 \uc131\uacf5\uc5d0 \ud3ec\ud568\ub41c\ub2e4\uace0 \uc0dd\uac01\ud560 \uac83\uc774\ub2e4.<\/p>\n<p>\uc804\ud615\uc801\uc778 \uace0\uac1d\uacbd\ud5d8\uc744 \uc81c\uacf5\ud558\ub294 \uac83\ub9cc\uc73c\ub85c\ub294 \ucda9\ubd84\ud558\uc9c0 \uc54a\uc744 \uac83\uc774\ub2e4. \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 \uc2e0\uc911\ud558\uac8c \uc124\uacc4\ub41c \ud601\uc2e0\uc801\uc778 \uc0c1\ud488\uacfc \uc11c\ube44\uc2a4\ub85c \uace0\uac1d\uc758 \ud655\uc7a5\ub41c \ub2c8\uc988\uc5d0 \ub300\uc751\ud574\uc57c \ud55c\ub2e4. \uc0ac\ubaa8\ud22c\uc790\ub294 \uc774\ub7ec\ud55c \uc694\uad6c\ub97c \ucda9\uc871\uc2dc\ud0a4\uae30 \uc704\ud574 \uc810\uc810 \ub354 \uc911\uc694\ud55c \uc601\uc5ed\uc774 \ub420 \uac83\uc774\uba70, \ub514\uc9c0\ud138 \uc790\uc0b0 \uc2dc\uc7a5 \uc811\uadfc \ub4f1 \uc0c8\ub86d\uac70\ub098 \ud2b9\uc218\ud55c \uc790\uc0b0\uad70\ub3c4 \uc911\uc694\uc131\uc774 \uc99d\uac00\ud560 \uac83\uc774\ub2e4.<\/p>\n<p>\ucee4\ubba4\ub2c8\ud2f0\ub97c \uad6c\ucd95\ud558\ub294 \uac83\uc740 \uac15\ub825\ud55c \uc2ec\ub9ac\uc801 \uc5f0\ub300\ub97c \uc774\ub8e8\ub294 \ub610 \ub2e4\ub978 \ubc29\ubc95\uc774\ub2e4. \uc5c5\uacc4\uc758 \uc720\uc218 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub4e4\uc740 \uc774\ubbf8 \uae30\uc220 \uc801\uc6a9\uc744 \ud1b5\ud574 \ud53c\uc5b4 \ud22c \ud53c\uc5b4 \ub124\ud2b8\uc6cc\ud06c\ub97c \uad6c\ucd95\ud558\uc5ec \uad8c\uc720\ub0b4\uc6a9\uc744 \uacf5\uc720\ud558\uace0 \ud22c\uc790\uc790\uac00 \uc11c\ub85c \uc790\uc0b0\uc744 \ub9e4\ub9e4\ud560 \uc218 \uc788\ub294 \uacf5\uac04\uc744 \ub9cc\ub4dc\ub294 \ubc29\uc548\uc744 \ubaa8\uc0c9\ud558\uace0 \uc788\ub2e4. \uaddc\uc81c\uc801 \uace0\ub824\uc0ac\ud56d\uc774\ub098 \uc704\ud5d8\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub4e4\uc774 \uc774\ub7ec\ud55c \ud5c8\ube0c\uc640 \uac70\ub798\uacf5\uac04\uc744 \ud5a5\ud6c4 \uba87 \ub144 \ub3d9\uc548 \ub354 \ub9ce\uc774 \ucc3d\ucd9c\ud560 \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4.<\/p>\n<h5><strong>\uaddc\ubaa8 \ubc0f \uc0c1\ud488 \uc911\uc2ec\uc5d0\uc11c \uad00\uacc4\uc911\uc2ec\uc73c\ub85c \uc774\ub3d9<\/strong><\/h5>\n<p>\ub514\uc9c0\ud138\ud654\uac00 \uac00\uc18d\ud654\ub428\uc5d0 \ub530\ub77c \uc5c5\uacc4\uc758 \uacbd\uc81c\uc801 \uad6c\ub3c4\uac00 \ubcc0\ud654\ud560 \uac83\uc774\ub2e4. \uc218\uc775 \ub9c8\uc9c4\uc740 \uacc4\uc18d \uc5c4\uccad\ub09c \uc555\ubc15\uc744 \ubc1b\uc744 \uac83\uc774\ub2e4. \uc774\ub7ec\ud55c \uc555\ubc15\uc758 \uc6d0\uc778 \uc911 \ud558\ub098\ub294 \uac70\ub798 \ubc0f \uc218\ud0c1 \uc11c\ube44\uc2a4 \ub4f1 \ud575\uc2ec \uc601\uc5ed\uc5d0\uc11c \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ubcf4\ub2e4 \uacbd\uc7c1\ub825 \uc788\ub294 \uac00\uaca9\uc744 \uc81c\uc2dc\ud558\uace0, \ud6e8\uc52c \ub0ae\uc740 \uac00\uaca9\uc73c\ub85c \ub9de\ucda4\ud615 \uc790\ubb38\uacfc \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad00\ub9ac \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\ub294 \ud540\ud14c\ud06c \ubc0f \uae30\uc220 \ud50c\ub7ab\ud3fc \uc5c5\uccb4\uac00 \ub420 \uac83\uc774\ub2e4. \ub610\ud55c \ub370\uc774\ud130 \ubc0f \ubd84\uc11d\uc744 \ud1b5\ud574 UHNW \uc138\uadf8\uba3c\ud2b8\ub97c \ub118\uc5b4 \ub354 \ub9ce\uc740 \uace0\uac1d\uc744 \uc9c1\uc811 \uaca8\ub0e5\ud558\ub294 \uc790\uc0b0\uc6b4\uc6a9\uc0ac\ub4e4\uc774 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\uc758 \ud310\ub9e4 \ubcf4\uc218\ub97c \ube7c\uc557\uc544 \uac10\uc5d0 \ub530\ub77c \uc555\ubc15\uc774 \uc99d\uac00\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub41c\ub2e4.<\/p>\n<p>\ub610\ud55c, \uc77c\uacfc \uac1c\uc778 \uc0dd\ud65c\uc5d0\uc11c \uac00\uaca9 \ud22c\uba85\uc131\uc5d0 \uc775\uc219\ud574\uc9c4 \uc80a\uc740 \uc138\ub300\ub294 \uc790\uc0b0\uad00\ub9ac \uc790\ubb38\uc5d0\uac8c \uc218\uc218\ub8cc\uc640 \uad00\ub828\ud55c \ub354 \ub192\uc740 \uc218\uc900\uc758 \ud22c\uba85\uc131\uc744 \uc694\uad6c\ud560 \uac83\uc774\ub2e4. \uc628\ub77c\uc778 \uac00\uaca9\ube44\uad50 \ub3c4\uad6c\ub97c \uc0ac\uc6a9\ud558\uba74 \uac00\uc7a5 \uacbd\uc7c1\ub825 \uc788\ub294 \uac00\uaca9\uc758 \uc0c1\ud488\uc744 \uc27d\uac8c \uac80\uc0c9\ud560 \uc218 \uc788\ub2e4.<\/p>\n<p>\uc774\ub4e4 \uc555\ubc15\uc694\uc778\ub4e4\uc740 \ud22c\uc790\uc11c\ube44\uc2a4 \ub9c8\uc9c4\uc744 \uc808\ubc18\uc73c\ub85c \ucd95\uc18c\uc2dc\ud0ac \uc218 \uc788\uc73c\uba70, \uacb0\uacfc\uc801\uc73c\ub85c \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub4e4\uc740 \uace0\uac1d\uc758 \uc0c8\ub85c\uc6b4 \uc694\uad6c\ub97c \ucda9\uc871\ud558\uace0 \ud604\uc7ac \uc790\uc6d0\uc758 \uc77c\ubd80\ub9cc\uc73c\ub85c\ub3c4 \uac00\uce58\ub97c \ucc3d\ucd9c\ud560 \uc218 \uc788\ub294 \uc0c8\ub85c\uc6b4 \ubc29\uc548\uc744 \ucc3e\uc544\uc57c \ud560 \uac83\uc774\ub2e4. \uc774\ub294 \uc26c\uc6b4 \uc77c\uc774 \uc544\ub2c8\ub2e4.<\/p>\n<p>\uc774\uc5d0 \ub530\ub77c \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\uac00 \uc0c1\ud488\uc5d0 \uc9d1\uc911\ud558\ub294 \ub300\uc2e0 \ucd08\uc810\uc744 \uc62e\uaca8 \uace0\uac1d\uad00\uacc4 \uad6c\ucd95\uc744 \ubaa8\uc0c9\ud560 \uac83\uc774\uba70, \uace0\uac1d\uc758 \ud3ed\ub113\uc740 \uc790\uc0b0\uad00\ub828 \ubaa9\ud45c\ub2ec\uc131\uc5d0 \ub3c4\uc6c0\uc774 \ub418\ub294 \ud22c\uc790\uad00\ub9ac \uc694\uc18c\ub97c \ud655\ubcf4\ud558\uace0\uc790 \ud560 \uac83\uc774\ub2e4. \ub9ce\uc740 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\uac00 \uc790\uc0b0\uaddc\ubaa8\uc5d0 \ub530\ub77c \uac00\uaca9\uc744 \uacb0\uc815\ud558\ub294 \ub300\uc2e0, \uc5ed\ub3d9\uc801\uc774\uace0 \uac00\uce58\uc5d0 \uae30\ubc18\ud55c \uac00\uaca9\ucc45\uc815 \ubc29\uc2dd\uc73c\ub85c \uc62e\uaca8\uac00\uac8c \ub420 \uac83\uc774\ub2e4. \uc989, \uc790\uc0b0\uae30\uc900 \uc9c0\uae09\ubcf4\uc218, \uc131\uacfc\ubcf4\uc218\ub97c \uc6b4\uc6a9\uc790\uc0b0\uacfc \uc5f0\uacc4\ub418\uc9c0 \uc54a\uc744 \uc218\ub3c4 \uc788\ub294 \uace0\uc815\ubcf4\uc218 \ubaa8\ub378\uacfc \ub9de\ucda4\ud615\uc73c\ub85c \ud63c\ud569\ud558\uac8c \ub420 \uac83\uc774\ub2e4. \uace0\uac1d\uc740 \ubcf4\ub2e4 \uc0c1\uc138\ud558\uac8c \uac00\uaca9\uad6c\uc870\ub97c \uc774\ud574\ud560 \uc218 \uc788\uac8c \ub420 \uac83\uc774\ub2e4. \ud55c \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\uc758 \uad6d\uac00\ub2f4\ub2f9 CEO\uac00 \uc5b8\uae09\ud588\ub4ef\uc774 &#8220;\uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 \uc790\uc0b0\uae30\uc900 \uc9c0\uae09 \ubcf4\uc218\uccb4\uacc4\uc5d0\uc11c \ubc97\uc5b4\ub098\ub294 \uac83\uc744 \uace0\ub824\ud574\uc57c \ud55c\ub2e4. \uace0\uac1d\uc774 10 \ubc30 \ub354 \ub9ce\uc740 \uc790\uc0b0\uc744 \uac00\uc9c0\uace0 \uc788\ub2e4\uace0 \ud574\uc11c \ub3d9\uc77c\ud55c \uc11c\ube44\uc2a4\uc5d0 \ub300\ud574 10\ubc30 \ub354 \ub9ce\uc740 \ube44\uc6a9\uc744 \uc9c0\ubd88\ud574\uc57c \ud560 \uae4c\ub2ed\uc774 \uc788\ub294\uac00? \uc774\ub7ec\ud55c \uc790\uc0b0\uc744 \uad00\ub9ac\ud558\ub294 \ub370 \uc18c\uc694\ub418\ub294 \uc2dc\uac04\ub3c4 \ube44\ub840\ud558\uc5ec \uc99d\uac00\ud558\uc9c0\ub294 \uc54a\ub294\ub2e4. \uc790\uc0b0\uad00\ub9ac\uc5d0 \ub4dc\ub294 \ub178\ub825 \uae30\ubc18\uc758 \uac00\uaca9\uad6c\uc870\uac00 \uba40\ud2f0\ud328\ubc00\ub9ac \uc624\ud53c\uc2a4\uc5d0\uc11c \uad00\ucc30\ub41c\ub2e4.\u201c<\/p>\n<h4><strong>\uc790\uc0b0\uad00\ub9ac\uc5c5\uacc4 \uad6c\ub3c4\uc758 \uc7ac\ud3b8\uc774 \uc608\uc0c1\ub428<\/strong><\/h4>\n<p>\uc790\uc0b0\uad00\ub9ac \ud658\uacbd\uc758 \ubcc0\ud654\ub85c \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\uc758 \uc5c5\uacc4 \uad6c\ub3c4\ub3c4 \ubc14\ub014 \uac83\uc73c\ub85c \uc608\uc0c1\ub41c\ub2e4. \uaddc\ubaa8, \uc804\ubb38\ud654, \uc120\ud0dd\uad8c\uc5d0 \ub300\ud55c \uc694\uad6c\ub85c \uc790\uc0b0\uad00\ub9ac \uc5c5\uacc4\ub294 \uc774\ud558\uc758 4\uac00\uc9c0 \ubaa8\ub378\uc744 \uc911\uc2ec\uc73c\ub85c \uc218\ub834\ub420 \uc218 \uc788\ub2e4 (\ub3c4\ud45c 7 \ucc38\uc870).<\/p>\n<ul>\n<li><strong>\ub300\uaddc\ubaa8 \ud1b5\ud569.<\/strong> \ucd5c\ub300 \uaddc\ubaa8\uc758 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub4e4\uc740 \ud5a5\ud6c4 20\ub144 \ub3d9\uc548 \uc2dc\uc7a5\uc810\uc720\uc728\uc774 \ub450 \ubc30\ub85c \uc99d\uac00\ud560 \uc218 \uc788\ub2e4. \uc774\ub4e4\uc740 \uaddc\ubaa8\uc640 \uc7ac\ubb34\uc801\uc778 \uc6b0\uc704\ub97c \ud1b5\ud574 \uc804\uccb4 \uac00\uce58\uc0ac\uc2ac\uc744 \ub300\uc0c1\uc73c\ub85c \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\uba74\uc11c \uac00\uc7a5 \ubcf5\uc7a1\ud55c \uace0\uac1d\uc694\uad6c\ub97c \ucda9\uc871\uc2dc\ud0a4\ub294 \uc720\uc77c\ud55c \uad00\ubb38\uc73c\ub85c\uc11c\uc758 \uc5ed\ud560\uc744 \uac15\ud654\ud560 \uc218 \uc788\ub2e4. \ud55c \uae00\ub85c\ubc8c \uae30\uad00\uc758 \ud504\ub77c\uc774\ube57 \ubc45\ud0b9 \ub2f4\ub2f9\uc790\ub294 &#8220;\uc5ec\ub7ec \uad6d\uac00, \uc5ed\ub7c9, \uc2dc\uac04\ub300\ub97c \uc544\uc6b0\ub974\ub294 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud560 \uc218 \uc788\ub294 \ub300\uaddc\ubaa8 \uc870\uc9c1\uacfc, \ud2b9\ud654\ub41c \uc804\ubb38\uc131\uc5d0 \ud504\ub9ac\ubbf8\uc5c4\uc744 \uc694\uad6c\ud560 \uc218 \uc788\ub294 \ud2c8\uc0c8 \uc5c5\uccb4\ub4e4\ub85c \uc5c5\uacc4\uac00 \uc591\ubd84\ub420 \uac83\uc774\ub2e4. \uc911\uac04\uc5d0 \ub080 \uc5c5\uccb4\ub4e4\uc740 \uc785\uc9c0\uac00 \uc881\uc544\uc9c8 \uac83\uc774\ub2e4&#8221;\ub77c\uace0 \ub9d0\ud55c\ub2e4.<\/li>\n<li><strong>\ud2c8\uc0c8 \uc5c5\uccb4.<\/strong> \uc804\uccb4\uc801\uc73c\ub85c \uc18c\uaddc\ubaa8 \uc5c5\uccb4 \uc218\ub294 \uc801\uc5b4\uc9c0\uaca0\uc9c0\ub9cc \ud2b9\ud654\ub41c \uc804\ubb38\uc5c5\uccb4\ub4e4\uc740 \uacc4\uc18d \ub0a8\uc544\uc788\uac8c \ub420 \uac83\uc774\ub2e4. \uc774\ub4e4 \uc5c5\uccb4\ub4e4\uc740 \uc0c1\uc704 HNW \ubc0f UHNW\uc5d0 \uc18d\ud558\ub294 \uc138\uadf8\uba3c\ud2b8\uc640 \uac19\uc774 \uc694\uad6c\uac00 \ub9e4\uc6b0 \ubcf5\uc7a1\ud55c \uace0\uac1d\uc5d0\uac8c \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\uac8c \ub420 \uac83\uc774\uba70, \uc774\ub7ec\ud55c \uace0\uac1d\uc9d1\ub2e8\uc740 \ud56d\uacf5\uae30 \ubc0f \uc694\ud2b8 \uad00\ub9ac, \uc0c1\uc18d\ud615 \uc2e0\ud0c1 \uc124\uc815 \ubc0f \uc138\ub300 \uac04 \uac08\ub4f1 \ucd5c\uc18c\ud654 \ubc29\uc548\uc5d0 \ub300\ud55c \uac00\uc871 \uad50\uc721\uc5d0 \uc774\ub974\uae30\uae4c\uc9c0 \ud2b9\ubcc4\ud55c \uc9c0\uc6d0\uc744 \ud544\uc694\ub85c \ud55c\ub2e4. \uc5ec\ud0c0 \uc18c\uaddc\ubaa8 \uc5c5\uccb4\ub4e4\uc740 \uac70\ub798\ud750\ub984\uc5d0 \ub300\ud55c \ub3c5\uc810\uc801 \uc811\uadfc, \ube44\uacf5\uac1c \uc0ac\ubaa8\ud22c\uc790 \uae30\ud68c \ub610\ub294 \uc784\ud329\ud2b8 \ud22c\uc790\uc640 \uac19\uc740 \uc218\uc900 \ub192\uc740 \ud22c\uc790 \uad00\uc810\uc744 \uc81c\uc2dc\ud560 \uac83\uc774\ub2e4. \uc774\ub4e4 \uc790\uc0b0\uad00\ub9ac\ud68c\uc0ac\ub294 \ub514\uc9c0\ud138\ud654\ub97c \ub3c4\uc785\ud558\uba74\uc11c\ub3c4 \uc0ac\uc5c5\ubaa8\ub378\uc740 \uae34\ubc00\ud55c \uc0ac\ub78c \uac04 \uc0c1\ud638\uc791\uc6a9, \uad00\uacc4\uad00\ub9ac \uae30\ubc95 \ubc0f \uc804\ubb38 \uc790\ubb38\uc5d0 \ub354 \ub9ce\uc740 \uc911\uc810\uc744 \ub454\ub2e4.<\/li>\n<li><strong>\uc0c1\uc5c5\uc740\ud589\uacfc \uc790\uc0b0\uc6b4\uc6a9\uc0ac\uc758 \ud655\uc7a5.<\/strong> \uc790\uc0b0\uac00 (Affluent) \ubc0f HNW \uc138\uadf8\uba3c\ud2b8\uc758 \uc99d\uac00\ub97c \uc5fc\ub450\uc5d0 \ub450\uace0, \uc0c1\uc5c5\uc740\ud589\uacfc \uc790\uc0b0\uc6b4\uc6a9\uc0ac\ub294 \uc804\ud615\uc801\uc778 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\uc640 \uacf5\uaca9\uc801\uc73c\ub85c \uacbd\uc7c1\ud558\uace0 \uae30\uc874 \uace0\uac1d\uae30\ubc18\uc744 \ub300\uc0c1\uc73c\ub85c \ub2e8\uc21c\ud558\uace0 \ub9e4\ub825\uc801\uc778 \ud22c\uc790\uc194\ub8e8\uc158\uc744 \uc81c\uacf5\ud558\uae30 \uc704\ud558\uc5ec \uae30\uc220\uacfc \ud558\uc774\ube0c\ub9ac\ub4dc \ubaa8\ub378\uc744 \ud65c\uc6a9\ud560 \uac83\uc774\ub2e4. \uc774\ub7ec\ud55c \uc11c\ube44\uc2a4\ub294 \uae30\uc874 \uc790\uc0b0\uad00\ub9ac \uae30\uad00\uc774 \uac70\uc758 \uc5c6\ub294 \uc2dc\uc7a5\uc758 \uace0\uac1d\uc5d0\uac8c \ud2b9\ud788 \ub9e4\ub825\uc801\uc73c\ub85c \ub2e4\uac00\uac08 \uac83\uc774\ub2e4. \uc790\uc0b0\uc6b4\uc6a9\uc0ac\ub294 \uc6b0\uc218\ud55c \ud22c\uc790\uc5ed\ub7c9\uc744 \ud65c\uc6a9\ud558\uc5ec \uc9c1\uc811\ucc44\ub110\uc744 \ud1b5\ud574 \uc2e0\uaddc\uace0\uac1d\uc744 \ud655\ubcf4\ud560 \uac83\uc774\ub2e4.<\/li>\n<li><strong>\uae30\uc220 \ub300\uae30\uc5c5\uc758 \uc9c4\uc785.<\/strong> \uc544\ub9c8\uc874, \uad6c\uae00, \ub9c8\uc774\ud06c\ub85c\uc18c\ud504\ud2b8 \ub4f1\uc758 \ub300\uae30\uc5c5\ub4e4\uc774 \ub9ce\uc740 \uc790\uc0b0\uad00\ub9ac \uae30\uc220 \ud65c\uc6a9 \uc5c5\uccb4\ub4e4\uc744 \uc704\ud574 \uae30\uac04\uacc4 \uc2dc\uc2a4\ud15c \uc778\ud504\ub77c \ubc0f \ud074\ub77c\uc6b0\ub4dc \ud658\uacbd\uc744 \uad6c\ucd95\ud558\uace0 \uc788\ub2e4. \uc54c\ub9ac\ubc14\ubc14\uc640 \uc544\ub9c8\uc874\uc744 \uc704\uc2dc\ud55c \uc77c\ubd80 \uc5c5\uccb4\ub294 \uc77c\ub828\uc758 \uae08\uc735\uc0c1\ud488\ub3c4 \uc81c\uacf5\ud55c\ub2e4. \ub354 \ub098\uc544\uac00 \uadf8\ub4e4\uc740 \ud5a5\ud6c4 \uc7ac\uc815\uc801 \uc5ec\ub825\uacfc \uaddc\ubaa8\ub97c \ud1b5\ud574 Affluent \ubc0f \ud558\uc704 HNW \uc138\uadf8\uba3c\ud2b8\ub97c \ub300\uc0c1\uc73c\ub85c \uc790\uc0b0\uad00\ub9ac \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5 \ud560 \uc218 \uc788\ub2e4. \uc774\ub7ec\ud55c \ubcc0\ud654\ub294 \uc774\ubbf8 \uc911\uad6d\uc5d0\uc11c \uc77c\uc5b4\ub098\uace0 \uc788\uc73c\uba70, \uc911\uad6d\uc740 \uae30\uc874\uc5d0 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\uac00 \uac70\uc758 \uc874\uc7ac\ud558\uc9c0 \uc54a\uc558\ub358 \uad6d\uac00\uc774\ub2e4. \ubbf8\uad6d \ub0b4 \uc2dc\uc7a5 \uaddc\ubaa8, \ub514\uc9c0\ud138 \ucc44\ub110\uc758 \uad11\ubc94\uc704\ud55c \ubcf4\uae09, \ubcf4\ub2e4 \uc801\uadf9\uc801\uc778 \ud22c\uc790 \uace0\uac1d \uc131\ud5a5\uc744 \uace0\ub824\ud560 \ub54c \ubbf8\uad6d\uc5d0\uc11c\ub3c4 \ube44\uc2b7\ud55c \ucd94\uc138\uac00 \uc608\uc0c1\ub41c\ub2e4. \uc774\ub4e4 \uc2dc\uc7a5\uc5d0\uc11c \uae30\uc220 \ub300\uae30\uc5c5\ub4e4\uc740 \ud5a5\ud6c4 20\ub144 \ub3d9\uc548 \uc790\uc0b0\uad00\ub9ac\uc2dc\uc7a5\uc5d0 \uae4a\uc219\ud558\uac8c \uce68\ud22c\ud560 \uc218 \uc788\uc73c\uba70 \uc785\uc9c0\uac00 \uc57d\ud55c \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\uc5d0\uac8c\ub294 \uc2ec\uac01\ud55c \uc704\ud611\uc774 \ub41c\ub2e4. \uc720\ub7fd\uc758 \uacbd\uc6b0 \uc2dc\uc7a5\uc774 \ubd84\ud654\ub418\uace0 \uc5b8\uc5b4, \ubb38\ud654, \uaddc\uc81c\uac00 \ub2e4\uc591\ud558\uae30 \ub54c\ubb38\uc5d0 \uae30\uc220 \ub300\uae30\uc5c5\uc758 \uc790\uc0b0\uad00\ub9ac \uc2dc\uc7a5 \uc9c4\uc785\uc774 \ub354\ub514\uac8c \uc77c\uc5b4\ub0a0 \uc218 \uc788\uc9c0\ub9cc, \uadf8\ub807\ub2e4 \ud574\ub3c4 \uc2dc\uc7a5\uc9c4\uc785\uc774 \uc911\ub2e8\ub420 \uac00\ub2a5\uc131\uc740 \ub0ae\ub2e4. \uc5b4\ub290 \uc815\ub3c4 \uae30\uc220 \ub300\uae30\uc5c5\ub4e4\uc758 \ud559\uc2b5\uc774 \uc774\ub8e8\uc5b4\uc9c0\uba74, \uc774\ub4e4\uc740 \uc9c0\uc5ed\uc801 \uc790\uc0b0\uad00\ub9ac \uac15\uc790, \ub354 \ub098\uc544\uac00 \uc138\uacc4\uc801\uc778 \uac15\uc790\uac00 \ub420 \uc218 \uc788\ub2e4.<\/li>\n<\/ul>\n<h4><a href=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_9.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2406\" src=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_9.jpg\" alt=\"\" width=\"1016\" height=\"763\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_9.jpg 1016w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_9-300x225.jpg 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_9-768x577.jpg 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_9-696x523.jpg 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_9-559x420.jpg 559w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_9-80x60.jpg 80w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_9-265x198.jpg 265w\" sizes=\"auto, (max-width: 1016px) 100vw, 1016px\" \/><\/a><\/h4>\n<h4><strong>\ub2e4\uc591\ud55c \ubaa8\ub378\uc774 \uc874\uc7ac\ud558\uba70, \uc774\ub4e4\uc740 \uacf5\ud1b5\uc801\uc73c\ub85c \uc0dd\ud0dc\uacc4\ub97c \uad6c\uc131\ud558\uac8c \ub420 \uac83\uc784<\/strong><\/h4>\n<p>\uc0dd\ud0dc\uacc4 \ubaa8\ub378\uc740 \ubbf8\ub798\uc758 \ud45c\uc900\uc774 \ub420 \uac83\uc774\ub2e4. \ud06c\uace0 \uc791\uc740 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\uac00 \uc874\uc7ac\ud558\uac8c \ub420 \uac83\uc774\uba70, \uac01 \uae30\uad00\uc740 \uace0\uac1d\uc744 \uc704\ud55c \ub2e8\uc77c \uac8c\uc774\ud2b8\uc6e8\uc774 \uc5ed\ud560\uc744 \uc218\ud589\ud574 \uad11\ubc94\uc704\ud55c \ud50c\ub7ab\ud3fc\uc5d0 \ub300\ud55c \uc811\uadfc\uc131\uc744 \uc81c\uacf5\ud558\uace0 \uace0\uac1d\uc758 \ud2b9\uc815 \uc694\uad6c\uc5d0 \ub9de\ub294 \uc0c1\ud488\uc744 \uc81c\uacf5\ud55c\ub2e4.<\/p>\n<p>\uc0dd\ud0dc\uacc4 \ubaa8\ub378\uc744 \ud1b5\ud574 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 \ud544\uc694\ud55c \uc5ed\ub7c9\uc744 \uc790\uccb4\uc801\uc73c\ub85c \uad6c\ucd95\ud560 \ud544\uc694 \uc5c6\uc774 \ubcf4\ub2e4 \ub2e4\uc591\ud55c \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud560 \uc218 \uc788\uc73c\ubbc0\ub85c, \ub3c5\uc790\uc801\uc73c\ub85c \uc804\uccb4 \uac00\uce58\uc0ac\uc2ac\uc744 \uac10\ub2f9\ud574\uc57c \ud558\ub294 \ub9ac\uc2a4\ud06c\uc640 \ube44\uc6a9\uc744 \ubc1c\uc0dd\uc2dc\ud0a4\uc9c0 \uc54a\uc73c\uba74\uc11c\ub3c4 \ud1b5\ud569\uc801 \uacbd\ud5d8\uc5d0 \ub300\ud55c \uace0\uac1d\uc758 \uc694\uad6c\ub97c \ucda9\uc871\uc2dc\ud0ac \uc218 \uc788\ub2e4. \uadf8\ub7ec\ub098 \uc0dd\ud0dc\uacc4 \ub0b4\uc5d0\uc11c \uc131\uacf5\ud558\ub824\uba74 \uc2e0\ub8b0\ub97c \uad6c\ucd95\ud574\uc57c \ud55c\ub2e4.<\/p>\n<p>\uae30\uc874 \uc5c5\uccb4\ub4e4\uc740 \uc624\ub79c \uace0\uac1d \uad00\uacc4, \uace0\uac1d\uc5d0 \ub300\ud55c \uc811\uadfc\uc131, \uac15\ub825\ud55c \ube0c\ub79c\ub4dc\ub97c \uae30\ubc18\uc73c\ub85c \uc2e0\ub8b0\ub97c \ud655\ubcf4\ud558\uae30\uc5d0 \uc720\ub9ac\ud55c \uc785\uc9c0\uc5d0 \ub193\uc5ec\uc788\ub2e4. \uc774\ub4e4\uc740 \ubcf4\ub2e4 \uac15\ub825\ud55c \ub370\uc774\ud130 \ubc0f \ubd84\uc11d \uc5ed\ub7c9\uc744 \uad6c\ucd95\ud558\uace0 \ubcf4\ub2e4 \ud3ec\uad04\uc801\uc778 \uace0\uac1d \uc9c0\uc2dd\uc744 \ucd95\uc801\ud568\uc5d0 \ub530\ub77c, \uc911\uc694\ud55c \uc218\ud0c1\uc790 \uc5ed\ud560\uc744 \uc218\ud589\ud558\uc5ec \uace0\uac1d\uc758 \ud2b9\uc815 \uc694\uad6c\ub97c \ucda9\uc871\uc2dc\ud0a4\ub294 \ub9de\ucda4\ud615 \uc11c\ube44\uc2a4 \uc0dd\ud0dc\uacc4\ub85c \uc548\ub0b4\ud560 \uc218 \uc788\ub2e4. \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 \uc7ac\ubb34\uc801, \uc0dd\ud65c\uad00\ub828 \uc758\uc0ac\uacb0\uc815\uc774 \uc218\ubc18\ub418\ub294 \ubcf5\uc7a1\ud55c \uace0\uac1d \uc694\uad6c\uc0ac\ud56d\uc744 \ucc98\ub9ac\ud568\uc73c\ub85c\uc368 \uace0\uac1d\uc774 \uc790\uc2e0\uc758 \uc0dd\ud65c\uc5d0 \uc9d1\uc911\ud558\uace0 \uc790\uc0b0\uad00\ub9ac\uacc4\ud68d\uc758 \uc9c0\ub8e8\ud55c \uc5c5\ubb34\ub294 \uc790\ubb38\uc5d0\uac8c \ub9e1\uae38 \uc218 \uc788\ub3c4\ub85d \ud55c\ub2e4. \ud55c \uae00\ub85c\ubc8c \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\uc758 \uc804\ub7b5 \ubc0f \uc0ac\uc5c5\uac1c\ubc1c \ucc45\uc784\uc790\ub294 &#8220;\uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub4e4\uc740 \uc870\uc9c1\uc801 \ubcf5\uc7a1\uc131\uc744 \ucc98\ub9ac\ud558\uc5ec \uace0\uac1d\uc5d0\uac8c \ubcf4\ub2e4 \ub9e4\ub044\ub7fd\uace0 \uac00\uce58 \uc788\ub294 \uacbd\ud5d8\uc744 \uc81c\uacf5\ud560 \uac83\uc774\ub2e4. \ubbf8\ub798\uc758 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\uc758 \ud0a4\uc6cc\ub4dc\ub294 \ud1b5\ud569\uc774 \ub420 \uac83\uc774\ub2e4&#8221;\ub77c\uace0 \uc9c0\uc801\ud55c\ub2e4. \ub9c8\ucc2c\uac00\uc9c0\ub85c \ud55c \uae00\ub85c\ubc8c \uc740\ud589\uc758 \uc5ed\ub0b4 \uc804\ub7b5 \ucc45\uc784\uc790\ub294 &#8220;\uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac \uc778\ub825\uc758 \uc5ed\ud560\uc774 \ubcc0\ud558\uac8c \ub420 \uac83\uc774\ub2e4. \uace0\uac1d\uad00\uacc4 \uad00\ub9ac\uac00 \ub354 \uc911\uc694\ud574 \uc9c8 \uac83\uc774\uba70, \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\uc758 \uc5ed\ud560\uc774 \uae08\uc735\/\ub77c\uc774\ud504 \uc790\ubb38\uacfc \uc720\uc0ac\ud574 \uc9c8 \uac83&#8221;\uc774\ub77c\uace0 \ub9d0\ud55c\ub2e4.<\/p>\n<p>\uc0dd\ud0dc\uacc4 \ubaa8\ub378\uc740 \ub610\ud55c \ud540\ud14c\ud06c \ubc0f \ubcf4\ud5d8\uc0ac\uc640 \uac19\uc740 \uc678\ubd80\uae30\uad00\uc774 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\uc640 \ubcf4\ub2e4 \uc27d\uac8c \ud611\uc5c5\ud560 \uc218 \uc788\ub3c4\ub85d \ud574\uc900\ub2e4. \uc0dd\ud0dc\uacc4 \ubaa8\ub378\uc744 \ucc44\ud0dd\ud55c \uc5c5\uccb4\ub294 \ud2c8\uc0c8 \uc5c5\uccb4\ub4e4\uacfc \uacbd\uc7c1\ud558\ub294 \uac83\uc774 \uc544\ub2c8\ub77c, \uc774\ub7ec\ud55c \uc5c5\uccb4\ub4e4\uacfc \uc0c1\ud488\/\uc11c\ube44\uc2a4\ub97c \ud50c\ub7ab\ud3fc\uc5d0 \ud1b5\ud569\ud558\uae30\ub9cc \ud558\uba74 \ub41c\ub2e4.<\/p>\n<h3><strong>\uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac CEO\uc758 \uc544\uc820\ub2e4<\/strong><\/h3>\n<p>\uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 2020\ub144\uc744 \uc804\ud658\uc810\uc73c\ub85c \uc0bc\uc544\uc57c \ud55c\ub2e4. \uc77c\ub828\uc758 \uc810\uc9c4\uc801\uc778 \uac1c\uc120\uc744 \uc21c\ucc28\uc801\uc73c\ub85c \uc774\ub8ec\ub2e4\uace0 \ud574\uc11c \uace0\uac1d\ub9cc\uc871, \uacbd\uc7c1\uc6b0\uc704 \ucc28\ubcc4\ud654, \uc131\uc7a5 \ubc0f \ube44\uc6a9\uc808\uac10 \uce21\uba74\uc5d0\uc11c \ud544\uc694\ud55c \uc131\uacfc\uac1c\uc120\uc774 \uc2e4\ud604\ub418\uc9c0 \uc54a\ub294\ub2e4.<\/p>\n<p>BCG\ub294 \ub9ac\ub354\ub4e4\uc774 \ubcf5\uc7a1\ud55c \uc120\ud0dd \ubc29\uc548\ub4e4\uc744 \ud0d0\uc0c9\ud560 \uc218 \uc788\ub3c4\ub85d CEO\ub97c \uc704\ud55c \uc544\uc820\ub2e4\ub97c \ub9c8\ub828\ud588\ub2e4. \uad8c\uace0\uc0ac\ud56d\uc744 \uc138 \uac00\uc9c0\ub85c \ubd84\ub958\ud560 \uc218 \uc788\uc73c\uba70, \uc870\uc9c1\uc774 \ucf54\ub85c\ub09819 \uae30\uac04\uc758 \uc989\uac01\uc801\uc778 \uc694\uad6c\uc0ac\ud56d\uc744 \ud574\uacb0\ud558\uace0 \uc55e\uc73c\ub85c\uc758 \uc5ec\uc815\uc5d0 \uc790\uae08\uc744 \uc870\ub2ec\ud560 \uc218 \uc788\ub3c4\ub85d \ud558\ub294 \ub2e8\uae30 \uc870\uce58, \ubbf8\ub798\uc5d0 \uc9c0\uc18d\uc801 \uc6b0\uc704\ub97c \ucc3d\ucd9c\ud560 \uc218 \uc788\uac8c \ud558\ub294 \uc911\uae30 \uc870\uce58, \uc131\uacf5\uc5d0 \ud544\uc218\uc801\uc778 \uae30\ucd08\uc5ed\ub7c9 \uad6c\ucd95\uc774 \uadf8\uac83\uc774\ub2e4 (\ub3c4\ud45c 8 \ucc38\uc870).<\/p>\n<p>\uc774\ub7ec\ud55c \uc6b0\uc120\uc21c\uc704 \uc911 \uc77c\ubd80\ub294 \uc0c8\ub85c\uc6b4 \uac83\uc774 \uc544\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc77c\ubd80 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 \uc9c4\uc804\uc744 \uc774\ub8ec \ubc18\uba74, \uac70\uc758 \ubaa8\ub4e0 \uc790\uc0b0\uad00\ub9ac \uc5c5\uccb4\uac00 \uc5ec\uc804\ud788 \uc0c1\ub2f9\ud55c \ub178\ub825\uc744 \ud574\uc57c \ud55c\ub2e4 (\ub3c4\ud45c 9 \ucc38\uc870). \uc608\ub97c \ub4e4\uc5b4, \ub9ce\uc740 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\uc5d0\uc11c \ud310\ub9e4 \uad00\ud589\uc774 \uc784\uc758\uc801\uc73c\ub85c \uc774\ub8e8\uc5b4\uc9c4\ub2e4. \uc778\uc7ac\uad00\ub9ac\ub294 \uad6c\uc2dd \uad00\ud589\uc744 \uc720\uc9c0\ud558\uace0 \uc788\uc73c\uba70, \ub514\uc9c0\ud138 \ubc0f \ub370\uc774\ud130 \ud504\ub85c\uadf8\ub7a8\uc740 \uc5ec\uc804\ud788 \uace0\uac1d\uac00\uce58 \ucc3d\ucd9c\uc6d0\uc774 \uc544\ub2c8\ub77c &#8220;\ubd80\ucc28\uc801\uc778 \uac83&#8221;\uc73c\ub85c \uac04\uc8fc\ub41c\ub2e4. \uc5ec\ub7ec \uce21\uba74\uc5d0\uc11c \ud601\uc2e0\uc774 \uac00\uc18d\ud654\ud558\uace0 \uc788\ub294 \ud604\uc7ac \uc2dc\uc810\uc5d0, \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub4e4\uc740 \ud544\uc694\ud55c \ubcc0\ud654\ub97c \uc2e4\ud589\ud558\uace0 \ub300\ub2f4\ud558\uac8c \uc6c0\uc9c1\uc5ec\uc57c \ud55c\ub2e4.<\/p>\n<p><a href=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_10.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2407\" src=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_10.png\" alt=\"\" width=\"1183\" height=\"831\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_10.png 1183w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_10-300x211.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_10-1024x719.png 1024w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_10-768x539.png 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_10-696x489.png 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_10-1068x750.png 1068w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_10-598x420.png 598w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_10-100x70.png 100w\" sizes=\"auto, (max-width: 1183px) 100vw, 1183px\" \/><\/a><\/p>\n<h4><a href=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_11.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2408\" src=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_11.jpg\" alt=\"\" width=\"1000\" height=\"1442\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_11.jpg 1000w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_11-208x300.jpg 208w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_11-710x1024.jpg 710w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_11-768x1107.jpg 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_11-696x1004.jpg 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/06\/globalreport2020_11-291x420.jpg 291w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/a><\/h4>\n<h4><strong>\uc218\uc775 \ubcf4\ud638<\/strong><\/h4>\n<p>\uc870\uc9c1\uc758 \uc218\uc775\ubcf4\ud638\uc640 \ubcc0\ud654\uc644\ub8cc\uc5d0 \ud544\uc694\ud55c \uc790\uae08\ucc3d\ucd9c\uc744 \uc704\ud574 \ub9ac\ub354\ub294 \ub2e4\uc74c \uc601\uc5ed\uc5d0\uc11c \uacb0\uc815\uc801\uc778 \uc870\uce58\ub97c \ucde8\ud574\uc57c \ud55c\ub2e4.<\/p>\n<ul>\n<li><strong>\uc2a4\ub9c8\ud2b8\ud55c \uc218\uc775 \uac1c\uc120.<\/strong> \ub300\ubd80\ubd84\uc758 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 \uc601\uc5c5 \ubc0f \uac00\uaca9\ucc45\uc815\uc5d0 \uccb4\uacc4\uc801\uc778 \uc811\uadfc\ubc95\uc744 \ucde8\ud558\uc9c0 \ubabb\ud574 \uc218\uc775\ub2ec\uc131\uc758 \uae30\ud68c\ub97c \ub193\uce5c\ub2e4. \uc774\ub4e4\uc740 \ub9e4\ucd9c \ub9c8\uc9c4 \uc545\ud654\ub97c \ub9c9\uae30 \uc704\ud55c \uc870\uce58\ub97c \ucde8\ud574\uc57c \ud55c\ub2e4. \uac00\ub9dd\uace0\uac1d \ubc1c\uad74, \uc628\ubcf4\ub529, \uad50\ucc28\ud310\ub9e4 \ubc0f \uc720\uc9c0\uc728\uc744 \uac1c\uc120\ud558\uae30 \uc704\ud574 \uc0c8\ub85c\uc6b4 \uc5c5\ubb34\ubc29\uc2dd\uc744 \ub3c4\uc785\ud574\uc57c \ud55c\ub2e4. \uc9c0\uc18d\uc801\uc778 \uc131\uacfc\ub2ec\uc131\uc744 \uc704\ud574\uc11c\ub294 \uc9c1\uad00\uc801\uc778 \ub514\uc9c0\ud138 \ud234\uc744 \ud65c\uc6a9\ud558\ub294 \uac83\uc774 \ud544\uc218\uc801\uc774\uba70, \ub370\uc774\ud130\uc758 \uccb4\uacc4\uc801 \ud65c\uc6a9\uacfc \ud68c\uc0ac\uc758 \uac00\uce58\uc81c\uc548 \ubc0f \ubb38\ud654\uc640\uc758 \uc5f0\uacc4 \ub610\ud55c \uc911\uc694\ud558\ub2e4. \ud2b9\ud788 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 \uace0\uac1d\uad00\uacc4\uc640 \uace0\uac1d\uc758 \uac00\uaca9 \ubbfc\uac10\ub3c4\ub97c \uace0\ub824\ud55c \uace0\uac1d \ubcc4 \ubaa9\ud45c \uac00\uaca9\uc744 \uc124\uc815\ud558\uc5ec \uac00\uaca9\ucc45\uc815\uc5d0 \uc9d1\uc911\ud574\uc57c \ud55c\ub2e4. \ub9ac\ub354\ub294 \uac00\uaca9\ucc45\uc815\uc744 \uc77c\ud68c\uc131 \uc791\uc5c5\uc774 \uc544\ub2cc, \uc5ed\ub7c9\uc73c\ub85c \uac04\uc8fc\ud574\uc57c \ud55c\ub2e4. \ub610\ud55c \uc2ec\uce35\uc801\uc778 \ubd84\uc11d \uc9c0\uc6d0\uacfc \ubcc0\ud654\uad00\ub9ac\uc5d0 \ub300\ud55c \uac15\ub825\ud55c \uc811\uadfc\ubc95\uc774 \uc801\uc6a9\ub418\uc5b4\uc57c \uc131\uacf5\uc774 \uc2e4\ud604\ub420 \uc218 \uc788\ub2e4. \uc0c8\ub85c\uc6b4 \uc601\uc5c5 \ubc0f \uac00\uaca9\ucc45\uc815 \uad00\ud589\uc744 \uc601\uc5c5\uc778\ub825\uacfc \ud568\uaed8 \uc218\ub9bd\ud558\uace0, \uc774\uac83\uc774 \ucf54\uce6d, \ubcf4\uace0, \uc778\uc13c\ud2f0\ube0c \ubc0f \ub9ac\ub354\uc758 \ub864 \ubaa8\ub378 \uc5ed\ud560\uc218\ud589 \uc804\ubc18\uc5d0 \ubc18\uc601\ub420 \ub54c \uac00\uc7a5 \ud6a8\uacfc\uc801\uc73c\ub85c \uc791\ub3d9\ud55c\ub2e4. \uc774\uc5d0 \ub530\ub978 \ud6a8\uacfc\uc758 \uc7a0\uc7ac\ub825\uc740 \uc0c1\ub2f9\ud558\ub2e4. BCG\uc758 \uacbd\ud5d8\uc5d0 \ub530\ub974\uba74 \uc774\ub7ec\ud55c \uc870\uce58\ub294 2\ub144 \ub0b4\uc5d0 \ub9e4\ucd9c\uc744 10% ~ 15% \uc99d\uac00\uc2dc\ud0ac \uc218 \uc788\ub2e4.<\/li>\n<li><strong>\ud504\ub860\ud2b8 \uc624\ud53c\uc2a4 \uad6c\uc131.<\/strong> \uc790\uc0b0\uad00\ub9ac \uc5c5\uccb4\ub4e4\uc774 \uc9c0\ub09c 10\ub144 \ub3d9\uc548 \ud6a8\uc728\uc131 \uac1c\uc120\uc744 \uc704\ud574 \ubcc0\ud654\ub97c \ucd94\uc9c4\ud574 \uc654\uc9c0\ub9cc, \uace0\uac1d \ub2c8\uc988\uc640 \uac00\uce58, \uc11c\ube44\uc2a4 \uac15\ub3c4\uc640 RM\uc758 \uc5c5\ubb34\uac00 \uc798 \uc5f0\uacc4\ub418\uc9c0 \uc54a\ub294 \uacbd\uc6b0\uac00 \uc5ec\uc804\ud788 \ub9ce\ub2e4. \uc804\ubb38\uac00 \ubc30\uc815\uc774 \ub2e4\uc18c \uc784\uc758\uc801\uc73c\ub85c \uc774\ub8e8\uc5b4\uc9c0\uba70 \uc778\ub825 \ubc30\uce58\uac00 \ub290\uc2a8\ud558\uac8c \uc774\ub8e8\uc5b4\uc9c4\ub2e4. \uc0dd\uc0b0\uc131 \ud5a5\uc0c1\uc744 \uc704\ud574 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 \uace0\uac1d\uc758 \uc11c\ube44\uc2a4 \uc120\ud638\ub3c4, \uc218\uc775 \uae30\ud68c, \ubcf5\uc7a1\uc131 \ubc0f \uc11c\ube44\uc2a4 \ube44\uc6a9\uc5d0 \ub300\ud55c \ucca0\uc800\ud55c \ubd84\uc11d\uc5d0 \ub530\ub77c RM \ub2f9 \uace0\uac1d\uc790\uc0b0\uc744 \ucd5c\uc801\ud654\ud574\uc57c \ud55c\ub2e4. \uc601\uc5c5\uacc4\ud68d\uc744 \uc218\ub9bd\ud560 \ub54c \ubc18\ub4dc\uc2dc \uc804\ubb38\uac00\uac00 \ucc38\uc5ec\ud574\uc57c \ud558\uba70, \uac00\uc7a5 \uac00\uce58 \uc788\ub294 \uae30\ud68c\uc5d0 \uc9d1\uc911\ud560 \uc218 \uc788\ub3c4\ub85d \uc774\ub4e4 \uc804\ubb38\uac00\uc5d0\uac8c \uad8c\ud55c\uc774 \ubd80\uc5ec\ub418\uc5b4\uc57c \ud55c\ub2e4. \uc790\uc0b0\uad00\ub9ac \uc5c5\uccb4\ub294 \uc790\ubb38 \uc11c\ube44\uc2a4 \uc81c\uc548\ub0b4\uc6a9\uc744 \uac80\ud1a0\ud558\uc5ec \ud544\uc694\ud55c \uc11c\ube44\uc2a4 \uc218\uc900\uc744 \uacb0\uc815\ud574\uc57c \ud558\uba70, \uc0dd\uc0b0\uc131 \uac1c\uc120 \ub3c4\uad6c\uc758 \uc0ac\uc6a9\uc744 \uc758\ubb34\ud654\ud574\uc57c \ud55c\ub2e4. \uc778\uac04 \uacf5\ud559\uc801 (bionic) \uc138\uc0c1\uc5d0\uc11c RM\uc758 \uc5ed\ud560\uacfc \uae30\uc220\uc774 \ubcc0\ud558\uac8c \ub420 \uac83\uc774\ub2e4. \uc0c1\uae30 \uc870\uce58\ub97c \uc218\ud589\ud558\ub294 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub4e4\uc740 \ub354 \uc801\uc740 \uc790\uc6d0\uc73c\ub85c \uae30\uc874 \uace0\uac1d\uc744 \uad00\ub9ac\ud560 \uc218 \uc788\uc73c\uba70, \uc131\uc7a5\uc5d0 \ud544\uc694\ud55c \uc790\uc6d0\uc744 \ud655\ubcf4\ud560 \uc218 \uc788\ub2e4.<\/li>\n<li><strong>\uc900\ubc95\uac10\uc2dc \ubc0f \ub9ac\uc2a4\ud06c \uad00\ub9ac.<\/strong> \uc9c0\ub09c 10\ub144 \ub3d9\uc548 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub4e4\uc740 \uc804\ub840 \uc5c6\ub294 \uaddc\uc81c \uc694\uac74\uacfc \uac10\ub3c5\uc758 \ub300\uc0c1\uc774 \ub418\uc5c8\ub2e4. \uadf8\ub7ec\ub098 \uc774\ub7ec\ud55c \ubb38\uc81c\ub97c \ud574\uacb0\ud558\uae30 \uc704\ud574 \ud1b5\ud569 \uc6b4\uc601 \ubaa8\ub378\uc744 \uc124\uacc4\ud558\ub294 \ub300\uc2e0 \ub300\ubd80\ubd84\uc774 \uc784\uc2dc\ubc29\ud3b8\uc73c\ub85c \ub300\uc751\ud574 \ub2e8\ud3b8\uc801\uc778 \ud504\ub85c\uc138\uc2a4, \ud300, \ub3c4\uad6c\ub4e4\uc774 \uc0dd\uc131\ub418\ub294 \uacb0\uacfc\ub97c \ub0b3\uc558\ub2e4. \uc774\ub85c \uc778\ud574 \ube44\uc6a9\uc774 \uc5c4\uccad\ub098\uac8c \uc99d\uac00\ud558\uace0 \ub9c9\ub300\ud55c \uad00\ub9ac\ubd80\ub2f4\uc774 \ubc1c\uc0dd\ud558\uc5ec \uc751\ub300 \uc2dc\uac04\uc774 \ub290\ub824\uc9c0\uace0 \uace0\uac1d \ubd88\ub9cc\uacfc \uc2e4\uc218 \uc704\ud5d8\uc774 \uc99d\uac00\ud588\ub2e4. \uc774\ub7ec\ud55c \ubb38\uc81c\ub97c \ud574\uacb0\ud558\ub824\uba74 \ud575\uc2ec \ud504\ub85c\uc138\uc2a4\ub97c \ub9e4\ud551\ud558\uace0 \uc791\uc5c5\uc744 \uac04\uc18c\ud654, \ud45c\uc900\ud654 \ubc0f \uc790\ub3d9\ud654 \ud560 \uc218 \uc788\ub294 \ubd80\ubd84\uc744 \ud30c\uc545\ud558\ub294 \uac83\ubd80\ud130 \uc2dc\uc791\ud574\uc57c \ud55c\ub2e4. \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 \uc900\ubc95\uac10\uc2dc \ubc0f \ub9ac\uc2a4\ud06c \ubd80\uc11c\ubfd0 \uc544\ub2c8\ub77c \uc601\uc5c5 \ud300, \ubc31 \uc624\ud53c\uc2a4, \uc0c1\ud488 \uc870\uc9c1 \ubc0f \uae30\ud0c0 \uc9c0\uc6d0 \uae30\ub2a5\uc870\uc9c1\uc744 \ud3ec\ud568\ud558\uc5ec \ud3ed\ub113\uac8c \uc774\ub7ec\ud55c \uc870\uce58\ub97c \uc218\ud589\ud574\uc57c \ud55c\ub2e4. \uadf8\ub7f0 \ub2e4\uc74c \ud575\uc2ec \ud504\ub85c\uc138\uc2a4\ub97c \uc7ac \uc124\uacc4\ud558\uc5ec \uc6cc\ud06c \ud50c\ub85c\uc6b0 \ub3c4\uad6c, \uaddc\uce59 \uc5d4\uc9c4, \uc2a4\ucf54\uc5b4\ub9c1 \ubaa8\ub378, \uc608\uce21 \ubd84\uc11d \ubc0f \uae30\ud0c0 \ucca8\ub2e8\uae30\uc220\uc744 \ud65c\uc6a9\ud574\uc57c \ud55c\ub2e4. \uc774\ub7ec\ud55c \ubcc0\ud654\ub97c \uc644\uc218\ud558\ub294 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 \uc0c1\ub2f9\ud55c \ube44\uc6a9\uc808\uac10\uc744 \ub2ec\uc131\ud558\uace0 \uace0\uac1d \ub9cc\uc871\ub3c4, \uc870\uc9c1 \ud68c\ubcf5\uc131 \ubc0f \uc131\uc7a5\uc744 \uac1c\uc120\ud560 \uc218 \uc788\ub2e4.<\/li>\n<li><strong>\uad6c\uc870\uc801 \ud6a8\uc728\uc131.<\/strong> 2008\ub144 \uae08\uc735\uc704\uae30 \uc774\ud6c4 \uc2dc\ud589\ub41c \ud6a8\uc728\uc131 \ud5a5\uc0c1 \ubc0f \uc77c\ud68c\uc131 \ube44\uc6a9\uc808\uac10 \ub178\ub825\uc774 \ub300\ubd80\ubd84 \uc790\ucde8\ub97c \uac10\ucdc4\ub2e4. 2019\ub144 \uc790\uc0b0\uad00\ub9ac \uc5c5\uacc4\uac00 \uae30\ub85d\ud55c \ud3c9\uade0 CIR 73%\ub294 11\ub144 \ub3d9\uc548 \uc774\uc5b4\uc9c4 \uc2dc\uc7a5 \ud65c\ud669\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uae08\uc735 \uc704\uae30 \uc774\uc804\ubcf4\ub2e4 13% \ud3ec\uc778\ud2b8 \ub192\uc558\ub2e4. \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 \uad6c\uc870\uc801 \ud6a8\uc728\uc131\uc744 \uac1c\uc120\ud558\uace0 \ub354 \uc2ec\uac01\ud55c \uce68\uccb4\uae30\ub97c \uacac\ub514\uae30 \uc704\ud574 IT\ub97c \ub118\uc5b4\uc11c\ub294 \uc560\uc790\uc77c \uc5c5\ubb34\uad00\ud589 \uc801\uc6a9 (\uc77c\ubd80 \uc0c1\uc5c5 \uc740\ud589\uc774 \ucc29\uc218)\uc744 \ud3ec\ud568\ud558\uc5ec \uc870\uc9c1 \uc804\uccb4\uc5d0 \ub300\ub300\uc801\uc778 \ubcc0\ud654\ub97c \uc2e4\ud589\ud568\uc73c\ub85c\uc368 \ub9b0(lean) \uad00\ub9ac \ubc0f \uc9c0\uc18d\uc801\uc778 \uac1c\uc120 \uc6d0\uce59\uc5d0 \uae30\ubc18\ud558\uc5ec \uc804\uccb4 \ud504\ub85c\uc138\uc2a4\ub97c \ucd5c\uc801\ud654\ud574\uc57c \ud558\uba70, \uad00\ub9ac \uacc4\uce35 (management layers)\uacfc \ub9e4\ud2b8\ub9ad\uc2a4 \uad6c\uc870\ub97c \uac04\uc18c\ud654\ud574\uc57c \ud55c\ub2e4. \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 \ub610\ud55c \ubbf8\ub4e4 \uc624\ud53c\uc2a4 \ubc0f \ubc31 \uc624\ud53c\uc2a4\ubfd0\ub9cc \uc544\ub2c8\ub77c \ud22c\uc790\uad00\ub9ac \uce21\uba74\uc5d0\uc11c \uc18c\uc2f1 \uc804\ub7b5\uc744 \uc7ac\ud3c9\uac00\ud574\uc57c \ud55c\ub2e4. \ub610\ud55c \ub9ac\ub354\ub294 \ud22c\uc790 \uc608\uc0b0\uc744 \uac80\ud1a0\ud558\uc5ec RM \ucc44\uc6a9\uacfc \ub514\uc9c0\ud138 \uc5ed\ub7c9\uad6c\ucd95 \uac04\uc5d0 \uc801\uc808\ud55c \uade0\ud615\uc774 \uc720\uc9c0\ub418\ub294\uc9c0 \ud655\uc778\ud574\uc57c \ud55c\ub2e4.<\/li>\n<\/ul>\n<h4><strong>\ubbf8\ub798\uc758 \uc131\uacf5<\/strong><\/h4>\n<p>\uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 \uc774\uc724\ud655\ubcf4 \uc678\uc5d0\ub3c4 \ud5a5\ud6c4 20\ub144 \ub3d9\uc548\uc758 \ubcc0\ud654\uc5d0 \ub300\ube44\ud574\uc57c \ud55c\ub2e4. \uc774\ub7ec\ud55c \ubcc0\ud654\uc758 \uad11\ubc94\uc704\ud55c \ud2b9\uc131\uc744 \uac10\uc548\ud560 \ub54c, \ub9ac\ub354\ub294 \uc810\uc810 \ub354 \uacbd\uc7c1\uc774 \uc2ec\ud654\ud558\ub294 \ubd84\uc57c\uc5d0\uc11c \uc785\uc9c0\ub97c \ud655\ubcf4\ud558\uace0 \ucc28\ubcc4\ud654\ub41c \uace0\uac1d \uac00\uce58\ub97c \uc81c\uacf5\ud558\uae30 \uc704\ud574 \uc774\ud558\uc758 \uc601\uc5ed\uc744 \uac1c\uc120\ud574\uc57c \ud55c\ub2e4.<\/p>\n<ul>\n<li><strong>\uac1c\uc778\ud654\ub41c \uac00\uce58 \uc81c\uc548.<\/strong> \ucf54\ub85c\ub098 19\ub85c \uc778\ud574 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\uc5d0 \uac00\ud574\uc9c0\ub294 \uc555\ubc15\uc740 \uc720\uc6a9\ud55c \uc2dc\ud5d8\ub300\ub85c \uc791\uc6a9\ud560 \uc218 \uc788\ub2e4. \uc790\ubb38 \uc11c\ube44\uc2a4\uac00 \uace0\uac1d\uc758 \uc694\uad6c\ub97c \ucda9\uc871\ud588\ub294\uac00? \uace0\uac1d\uc774 \uc790\uc2e0\uc758 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc5d0 \uc77c\uc5b4\ub09c \uc0c1\ud669\uc5d0 \uc900\ube44\ub418\uc5b4 \uc788\uc5c8\ub294\uac00? \uc790\ubb38\uc774 \ub354 \uc0ac\uc804\uc801\uc73c\ub85c \ub300\ucc98\ud560 \uc218 \uc788\uc5c8\ub294\uac00? \ubcc0\ub3d9\uc131\uc774 \ud070 \uc2dc\uae30\uc5d0\ub3c4 \uc774\ub7ec\ud55c \uc9c8\ubb38\uc5d0 &#8220;\uc608&#8221;\ub77c\uace0 \ub2f5\ud560 \uc218 \uc788\ub294 \ub2a5\ub825\uc774 \uc55e\uc73c\ub85c \uba87 \ub144 \ub3d9\uc548 \uc911\uc694\ud560 \uac83\uc774\ub2e4. \uac1c\uc778\ud654\ub294 \uc131\uacf5\uc758 \uc5f4\uc1e0\uc774\ub2e4. \uac01 \uace0\uac1d\uc5d0\uac8c \uc801\uc2dc\uc5d0 \uc801\uc808\ud55c \uc81c\uc548\uc774\ub098 \uc790\ubb38\uc744 \ud560 \uc218 \uc788\ub294 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\uac00 \uc2b9\uc790\uac00 \ub420 \uac83\uc774\ub2e4. \uc774\ub4e4 \uae30\uad00\uc740 \uace0\uac1d\uc774 \uc6d0\ud558\ub294 \uc815\ubcf4\uc81c\uacf5 \ube48\ub3c4, \ud2b9\uc815 \uc0c1\ud638\uc791\uc6a9\uc758 \uae38\uc774\uc640 \ud615\uc2dd, \uac00\uc7a5 \uc801\ud569\ud55c \uac10\uc815\uc801 \ud1a4\uc774\ub098 \uc2a4\ud0c0\uc77c\uc744 \uc54c\uace0 \uc788\ub2e4. \uace0\uac1d\uc758 \ud2b9\uc131\uacfc \uc120\ud638\ub3c4\uc5d0 \ub300\ud55c \uc608\ub9ac\ud55c \uc774\ud574\ub97c \ud1b5\ud574 \uc774\ub7ec\ud55c \uc778\uc0ac\uc774\ud2b8\ub97c \uc5bb\uc744 \uc218 \uc788\uc73c\uba70, \uc778\uc0ac\uc774\ud2b8\ub97c \ud65c\uc6a9\ud558\uc5ec \uc5c4\uc120\ub41c \ud22c\uc790 \ud14c\ub9c8, P2P \ub124\ud2b8\uc6cc\ud06c, \uc591\ubc29\ud5a5 \uc2dc\ubbac\ub808\uc774\uc158, \uc7ac\ubbf8\uc640 \ucc38\uc5ec\ub97c \uc774\ub04c\uc5b4\ub0b4\ub294 \ub3c5\uc810\uc801 \uc0c1\ud488\uc744 \uc81c\uacf5\ud560 \uc218 \uc788\ub2e4. \uc774\ub7ec\ud55c \ubc29\uc2dd\uc73c\ub85c \uc77c\uad00\ub418\uace0 \ub300\uaddc\ubaa8\ub85c \uac1c\uc778\ud654\ub97c \uc2e4\ud604\ud558\ub824\uba74 \ud074\ub77c\uc774\uc5b8\ud2b8\uc5d0 \ub300\ud55c 360\ub3c4 \uc774\ud574, \ub6f0\uc5b4\ub09c \ub370\uc774\ud130 \ubd84\uc11d \ubc0f \uc778\uc801\/\ub514\uc9c0\ud138 \ucc44\ub110 \uac04\uc5d0 \uc27d\uac8c \uc774\ub3d9\ud560 \uc218 \uc788\ub294 \uc5ed\ub7c9\uc774 \ud544\uc694\ud558\ub2e4.<\/li>\n<li><strong>ESG \ubc0f \uc784\ud329\ud2b8 \ud22c\uc790.<\/strong> \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 \uc2a4\ucf54\uc5b4\ub9c1 \ubaa8\ub378 \ub610\ub294 \ub370\uc774\ud130 \ubd80\uc871\uacfc \uac19\uc740 \ub2e8\uae30\uc801\uc778 \ubb38\uc81c\ub85c \uc778\ud574 \uc138\uc2ec\ud55c ESG \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\ucd95\ud558\uc9c0 \ubabb\ud574\uc11c\ub294 \uc548 \ub41c\ub2e4. \uc774\ub4e4\uc740 \uc5c4\uaca9\ud55c \ubc95\uaddc\uc900\uc218 \uc870\uce58\uc5d0 \uae30\ubc18\ud558\uc5ec \uac74\uc2e4\ud55c \uc7ac\ubb34\uc801 \uc218\uc775\uacfc \ud568\uaed8 \uce21\uc815 \uac00\ub2a5\ud55c \uc0ac\ud68c\uc801 \ub610\ub294 \ud658\uacbd\uc801 \uc601\ud5a5\uc744 \ucc3d\ucd9c\ud558\ub294 \ud22c\uc790\uae30\ud68c\ub97c \uc81c\uacf5\ud574\uc57c \ud55c\ub2e4. \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 RM\uc774 \uac00\uce58\uc640 \uc9c0\uc18d \uac00\ub2a5\ud55c \uac1c\ubc1c \ubaa9\ud45c\uc5d0 \ub300\ud574 \uace0\uac1d\uacfc \uc0c1\uc138\ud558\uac8c \ub17c\uc758\ud558\ub3c4\ub85d \uc7a5\ub824\ud574\uc57c \ud558\uba70, \uc774\ub97c \uc704\ud574 \uc62c\ubc14\ub978 \uad50\uc721 \ubc0f \uc778\uc13c\ud2f0\ube0c\ub97c \uc81c\uacf5\ud574\uc57c \ud55c\ub2e4. \uc774\ub7ec\ud55c \ub300\ud654\ub294 \ub610\ud55c \uc7a5\uae30\uc801\uc778 \uc2dc\uac01\uc73c\ub85c\ub3c4 \uc774\ub8e8\uc5b4\uc838\uc57c \ud55c\ub2e4. \uc608\ub97c \ub4e4\uc5b4, RM\uc740 \uc790\uc0b0\uad00\ub9ac \uace0\uac1d\uc5d0\uac8c \uac1c\uc778 \ub610\ub294 \uac00\uc871\uc758 \uac00\uce58\uad00\uc774 \uc138\ub300\uc5d0 \uac78\uce5c \uc7a5\uae30\uc801 \uacc4\ud68d\uc218\ub9bd\uc5d0 \uc5b4\ub5bb\uac8c \ubc18\uc601\ub420 \uc9c0 \ubb3c\uc744 \uc218 \uc788\ub2e4. ESG\ub97c \uc2e4\ud604\ud558\uae30 \uc704\ud574\uc11c\ub294 \ub0b4\ubd80\uc801 \uc2e4\ucc9c\uc774 \ud544\uc694\ud558\ub2e4. ESG \uae30\uc900\uc744 \ud6a8\uacfc\uc801\uc73c\ub85c \uc801\uc6a9\ud558\uae30 \uc704\ud574\uc11c \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 \uc774\ub4e4 \uae30\uc900\uc744 \ub0b4\ubd80 \uc544\uc820\ub2e4\uc5d0 \ubc18\uc601\ud574\uc57c \ud558\uba70 \uad6c\ud638\ub85c \uc678\uce58\ub294 \ub0b4\uc6a9\uc744 \uc2e4\ucc9c\ud574\uc57c \ud55c\ub2e4.<\/li>\n<li><strong>\ub3c4\uc804\uc790 \uc804\ub7b5.<\/strong> \ub514\uc9c0\ud138 \uae30\uc220\uacfc \uc0dd\ud0dc\uacc4\ub97c \ud1b5\ud574 \uc790\uc0b0\uad00\ub9ac \uc5c5\uccb4\ub294 \uc800\ub834\ud55c \ube44\uc6a9\uc73c\ub85c \uc0c8\ub85c\uc6b4 \uc218\uc775 \ud480\uc5d0 \uc811\uadfc\ud560 \uc218 \uc788\ub294 \uae30\ud68c\ub97c \uc5bb\uac8c \ub41c\ub2e4. \uac00\uce58\ucc3d\ucd9c \uae30\ud68c\ub97c \ud65c\uc6a9\ud558\uace0 \uc55e\uc73c\ub85c \ub3c4\ub798\ud560 \ub514\uc9c0\ud138 \uacbd\uc7c1\uc5d0 \ub300\ube44\ud558\ub824\uba74 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub4e4\uc740 \ub3c4\uc804 \uc804\ub7b5\uc744 \uc124\uacc4\ud558\uae30 \uc2dc\uc791\ud574\uc57c \ud55c\ub2e4. \uc774\ub7ec\ud55c \uae30\ud68c\uc5d0\ub294 \uae00\ub85c\ubc8c \ud328\ubc00\ub9ac \uc624\ud53c\uc2a4 \ud50c\ub7ab\ud3fc\uc744 \uad6c\ucd95\ud558\uac70\ub098 UHNW \uc2a4\ud0c0\uc77c\uc758 \uc0c1\ud488\uc744 \ub514\uc9c0\ud138 \ud615\ud0dc\ub85c \uc5ec\ud0c0 \uc138\uadf8\uba3c\ud2b8\uc5d0 \uc81c\uacf5\ud558\ub294 \uac83 \ub4f1\uc774 \ud3ec\ud568\ub420 \uc218 \uc788\ub2e4. Affluent \uc138\uadf8\uba3c\ud2b8\ub97c \uc704\ud55c \uc804\ub7b5\uc744 \ub9c8\ub828\ud558\ub294 \uac83\uc740 \ud2b9\ud788 \ud574\ub2f9 \uc138\uadf8\uba3c\ud2b8\uc758 \uaddc\ubaa8, \uc131\uc7a5\uac00\ub2a5\uc131 \ubc0f \uc9c0\uae08\uae4c\uc9c0 \ucda9\ubd84\ud55c \uc9c0\uc6d0\uc774 \uc81c\uacf5\ub418\uc9c0 \ubabb\ud588\ub2e4\ub294 \uc810\uc744 \uace0\ub824\ud560 \ub54c \ud2b9\ud788 \uc720\ub9dd\ud55c \uacb0\uacfc\ub97c \uae30\ub300\ud560 \uc218 \uc788\ub2e4. \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\uac00 \uc801\uc808\ud558\uac8c \uac1c\uc778\ud654 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud55c\ub2e4\uba74 Affluent \uc138\uadf8\uba3c\ud2b8\uc5d0 \uc18d\ud55c \uac1c\uc778\ub4e4\uc740 \ub514\uc9c0\ud138 \uc8fc\ub3c4\ud615 \ub610\ub294 \ub514\uc9c0\ud138 \uc804\uc6a9 \uc194\ub8e8\uc158\uc5d0 \uac1c\ubc29\uc801\uc778 \ud0dc\ub3c4\ub97c \ubcf4\uc77c \uac00\ub2a5\uc131\uc774 \ub192\ub2e4. \uc774\ub4e4\uc758 \ub2c8\uc988\ub294 \uc77c\ubc18\uc801\uc73c\ub85c UHNW \uc138\uadf8\uba3c\ud2b8\uc758 \ub2c8\uc988\ubcf4\ub2e4 \ub35c \ubcf5\uc7a1\ud558\uae30 \ub54c\ubb38\uc5d0 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 \uc11c\ube44\uc2a4\ub97c \ud655\uc7a5\ud558\uace0 \ud574\ub2f9 \uc138\uadf8\uba3c\ud2b8\uc5d0 \ub354 \ube68\ub9ac \ub3c4\ub2ec\ud560 \uc218 \uc788\ub2e4. Affluent \uc138\uadf8\uba3c\ud2b8\uc5d0 \ub300\ud55c \uac1c\ub150 \uc99d\uba85\uc744 \uac1c\uc120\ud568\uc73c\ub85c\uc368 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 \uac1c\ubc1c\ub41c \uae30\uc220\uacfc \uc194\ub8e8\uc158\uc744 \uc0ac\uc6a9\ud558\uc5ec \uad00\ub828 \ub514\uc9c0\ud138 \uc0c1\ud488\/\uc11c\ube44\uc2a4\ub97c HNW \uc138\uadf8\uba3c\ud2b8\ub85c \ud655\uc7a5\ud560 \uc218 \uc788\ub2e4.<\/li>\n<li><strong>\uc0dd\ud0dc\uacc4 \ubc0f M&amp;A.<\/strong> \uc0dd\ud0dc\uacc4 \ub0b4\uc5d0\uc11c \uc131\uacf5\ud558\uae30 \uc704\ud574\uc11c, \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 B2B \uc81c\ud734 \uc5ed\ub7c9\uc744 \uac1c\uc120\ud574\uc57c \ud558\uba70 \uae30\uc5c5 \uac04 \uc194\ub8e8\uc158\uc744 \ub9c8\ub828\ud558\uace0 \ub2e4\uc591\ud55c \ubb38\ud654\ub97c \uc218\uc6a9\ud560 \uc218 \uc788\uc5b4\uc57c \ud55c\ub2e4. \uc774\ub4e4 \uc5ed\ub7c9\uc740 \ud558\ub8fb\ubc24 \uc0ac\uc774\uc5d0 \uad6c\ucd95\ub418\ub294 \uac83\uc774 \uc544\ub2c8\ub2e4. \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 \uc704\ud5d8\uc744 \uacbd\uac10\uc2dc\ud0a4\uace0 \uac00\uc7a5 \ub9e4\ub825\uc801\uc778 \uae30\ud68c\ub97c \ud3ec\ucc29\ud558\uae30 \uc704\ud574 \uc9c0\uae08 \ubc14\ub85c \uc5ed\ub7c9\uad6c\ucd95\uc744 \uc2dc\uc791\ud574\uc57c \ud55c\ub2e4. \uc0dd\ud0dc\uacc4 \uc81c\ud734\uad00\uacc4 \ud615\uc131\uacfc \uaddc\ubaa8 \ud655\uc7a5\uc5d0 M&amp;A\uac00 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud558\uac8c \ub420 \uac83\uc774\ub2e4. \ud5a5\ud6c4 \uba87 \ub144 \ub3d9\uc548 \uc0c8\ub85c\uc6b4 \uc0ac\uc5c5\ud1b5\ud569 \uae30\ud68c\uac00 \ub098\ud0c0\ub098\uba74\uc11c \uc778\uc218 \ube44\uc6a9\uc774 \ud558\ub77d\ud560 \uc218 \uc788\ub2e4. \uc790\uc0b0\uad00\ub9ac \uc5c5\uacc4\uc758 \ub9ce\uc740 M&amp;A \ub51c\uc774 \ud604\uc7ac \uc18c\uc720\uc8fc\uc640\uc758 \uc7a5\uae30\uc801 \uc2e0\ub8b0\uad6c\ucd95\uc5d0 \ub530\ub77c \uc131\uc0ac\ub418\uae30 \ub54c\ubb38\uc5d0, \uc131\uacf5\uc801 \ub51c\uc744 \uc704\ud574\uc11c\ub294 \uc0ac\uc804\uc801\uc774\uace0 \uc9c0\uc18d\uc801\uc778 \uc804\ub7b5\uc774 \ud544\uc694\ud558\ub2e4. \uc989, \uc774\ub7ec\ud55c \uc804\ub7b5\uc744 \ud1b5\ud574 \ud2b9\uc815 \uc790\uc0b0\uc744 \ub298\ub9ac\ub294 \ubc18\uba74 \uac00\uc7a5 \uc801\uc808\ud55c \uc2dc\uc810\uc5d0 \uc5ec\ud0c0 \uc790\uc0b0\uc5d0 \ub300\ud55c \ud22c\uc790\ud68c\uc218\ub97c \uc2e4\uc2dc\ud574\uc57c \ud55c\ub2e4.<\/li>\n<\/ul>\n<h4><strong>\uc5ed\ub7c9 \uad6c\ucd95<\/strong><\/h4>\n<p>\uc0c1\uae30 \uc544\uc820\ub2e4\ub97c \uc2e4\ud589\ud558\ub824\uba74 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 \uc5ec\ub7ec \uae30\ubcf8 \uc5ed\ub7c9\uc744 \uac15\ud654\ud574\uc57c \ud55c\ub2e4. \uadf8 \uc911 \uc7a5\uae30\uc801\uc778 \uc131\uacf5\uc5d0 \uac00\uc7a5 \uc911\uc694\ud55c \uc5ed\ub7c9\uc740 \ub2e4\uc74c\uacfc \uac19\ub2e4.<\/p>\n<ul>\n<li><strong>\uace0\uac1d\uc5d0 \ub300\ud55c \uc774\ud574.<\/strong> \uadfc\ubcf8\uc801\uc778 \uace0\uac1d\uc694\uad6c \ud574\uacb0\uc774 \uc911\uc694\ud55c \uc5c5\uacc4\uc5d0\uc11c \uc0ac\uc5c5\uc744 \uc6b4\uc601\ud568\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0, \ub9ce\uc740 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\uac00 \uace0\uac1d\uc5d0 \ub300\ud55c \uccb4\uacc4\uc801 \uc774\ud574\uac00 \ubd80\uc871\ud558\ub2e4. \uac1c\ubcc4 RM\ub4e4\uc740 \uc790\uc0b0\uaddc\ubaa8\uac00 \ud070 \uace0\uac1d\uc5d0 \ub300\ud574 \uc885\ud569\uc801\uc73c\ub85c \uc774\ud574\ud558\uace0 \uc788\uc744 \uc218\ub3c4 \uc788\uc9c0\ub9cc \uc774\ub7ec\ud55c \uc815\ubcf4\uc758 \ub300\ubd80\ubd84\uc740 \ud68c\uc0ac\uc758 \ub2e4\ub978 \uc0ac\ub78c\ub4e4\uacfc \uacf5\uc720\ub418\uc9c0 \uc54a\ub294\ub2e4. \uc18c\uaddc\ubaa8 \uace0\uac1d\uc5d0 \ub300\ud55c \uc9c0\uc2dd\uc740 \ubd80\uc871\ud55c \uacbd\uc6b0\uac00 \ub9ce\ub2e4. \uc815\ubcf4\uaca9\ucc28\ub97c \ud574\uacb0\ud558\uae30 \uc704\ud574 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 \uace0\uac1d \ud53c\ub4dc\ubc31\uc744 \uc218\uc9d1\ud558\uace0 \ubd84\uc11d\ud558\uae30 \uc704\ud55c \uc9c1\uc811\uc801\uc774\uace0 \uccb4\uacc4\uc801\uc778 \uc811\uadfc\ubc29\uc2dd\uc744 \ucc44\ud0dd\ud574\uc57c \ud55c\ub2e4. \uc5ec\uae30\uc5d0\ub294 \uad11\ubc94\uc704\ud55c \uace0\uac1d \uc124\ubb38\uc870\uc0ac\ub97c \ube48\ubc88\ud558\uac8c \uc2e4\uc2dc\ud558\ub294 \ubc29\uc548\uacfc, \uac00\uce58\uc81c\uc548\uc744 \uc124\uacc4\ud558\uac70\ub098 \uac1c\uc120\ud560 \ub54c \ud3ec\ucee4\uc2a4 \uadf8\ub8f9 \ub610\ub294 \ubbfc\uc871\uc9c0\ud559\uc801 \uc5f0\uad6c \ub4f1\uc744 \ud1b5\ud574 \uace0\uac1d\uacfc \uc18c\ud1b5\ud558\ub294 \uac83\uc774 \ud3ec\ud568\ub41c\ub2e4. \ub610\ud55c \uc0c1\ud488 \uc774\uc6a9, \uac70\ub798 \ub370\uc774\ud130, \uc704\ud5d8 \ud504\ub85c\ud30c\uc77c, \ud68c\uc758 \ubcf4\uace0\uc11c \ub610\ub294 \uac1c\uc778 \uc0c1\ud669\uc5d0 \ub300\ud55c \uba54\ubaa8 \ub4f1 \uace0\uac1d \ub77c\uc774\ud504 \uc0ac\uc774\ud074 \uc804\ubc18\uc5d0 \uac78\uccd0 \uc815\ubcf4\ub97c \ud3ec\ucc29\ud560 \uc218 \uc788\ub294 \uba54\ucee4\ub2c8\uc998\uc744 \uac1c\ubc1c\ud558\ub294 \uac83\ub3c4 \uc774\ub7ec\ud55c \uc811\uadfc\ubc29\uc2dd\uc5d0 \ud3ec\ud568\ub41c\ub2e4. \uc774\ub4e4 \uc815\ubcf4\ub294 \uc758\uc0ac\uacb0\uc815 \uc9c0\uc6d0\uc5d0 \uc801\ud569\ud55c \ud615\uc2dd\uc73c\ub85c \ud65c\uc6a9\ub420 \uc218 \uc788\uc5b4\uc57c \ud55c\ub2e4. \uad00\ub828 \uc704\ud5d8\uc744 \uad00\ub9ac\ud560 \uc218 \uc788\ub294 \uacbd\uc6b0, \ud68c\uc0ac\ub294 \uc18c\uc15c \ubbf8\ub514\uc5b4 \ub4f1 \uacf5\uac1c\uc801\uc73c\ub85c \uc0ac\uc6a9 \uac00\ub2a5\ud55c \uc18c\uc2a4\uc758 \ub370\uc774\ud130\ub97c \ud65c\uc6a9\ud558\uc5ec \uc815\ubcf4\ub97c \ubcf4\uac15\ud574\uc57c \ud55c\ub2e4. \uc790\uc0b0\uad00\ub9ac \uae30\uad00\uc740 \uace0\uae09\ubd84\uc11d\uc744 \ud65c\uc6a9\ud558\uc5ec \uc5f0\uacb0\uace0\ub9ac\uc640 \ud328\ud134\uc744 \ucc3e\uace0 \uace0\uac1d\uc5d0\uac8c \uc815\ubcf4\uacf5\uac1c \uc720\uc778\ucc45\uc744 \uc81c\uacf5\ud574\uc57c \ud55c\ub2e4 (\uc608: \uc628\ubcf4\ub529 \uc808\ucc28\uc758 \uc77c\ubd80\ub85c\uc11c \ub610\ub294 \ud2b9\uc815 \uc8fc\uc81c\uc5d0 \ub300\ud574 \ud68c\uc0ac \ub610\ub294 \uc5ec\ud0c0 \uace0\uac1d\uacfc\uc758 \uad50\ub958 \uc81c\uc548\uc744 \ud1b5\ud574).<\/li>\n<li><strong>\uc778\uc7ac\uc640 \ubb38\ud654.<\/strong> \ub9ce\uc740 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 \uc778\uc7ac\uc804\ub7b5\uc758 \ucd08\uc810\uc744 \uacc4\uc18d\ud574\uc11c \uc804\ud1b5\uc801\uc778 \uc601\uc5c5 \ubc0f \uc0c1\ud488 \uc5ed\ub7c9\uc5d0 \ub450\uace0 \uc788\ub2e4. \uadf8\ub7ec\ub098 \uace0\uac1d \uc911\uc2ec\uc758 \ubcf4\ub2e4 \ub514\uc9c0\ud138\ud654\ub41c \uc0ac\uc5c5\ud658\uacbd\uc5d0\uc11c \uc131\uacf5\ud558\uae30 \uc704\ud574\uc11c\ub294 \ub514\uc9c0\ud138 \uc0c1\ud488, \ub370\uc774\ud130 \uc0ac\uc774\uc5b8\uc2a4 \ubc0f \ud589\ub3d9 \uacbd\uc81c\ud559\uc5d0 \ub300\ud55c \uc804\ubb38 \uc9c0\uc2dd\uc744 \uac16\ucd98 \uc790\ubb38\uacfc \uc560\ub110\ub9ac\uc2a4\ud2b8\ub97c \ud3ec\ud568\ud558\uc5ec \ub2e4\uc591\ud55c \uc778\ub825\uc744 \uc720\uce58\ud574\uc57c \ud55c\ub2e4. \uae30\uc874 \uc778\uc801\uc790\uc6d0 \ubaa8\ub378\uc744 \uc870\uc815\ud558\ub294 \uac83\ub9cc\uc73c\ub85c\ub294 \ucda9\ubd84\ud558\uc9c0 \uc54a\ub2e4. \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 \uc720\uc5f0\uc131\uc744 \ub192\uc774\uae30 \uc704\ud574 \uc5c5\ubb34\uad00\ud589\uc744 \uc7ac\uace0\ud574\uc57c \ud558\uba70, \ub2e4\uc591\ud55c \uc778\ub825\uc758 \uc694\uad6c\ub97c \ucda9\uc871\uc2dc\ud0a4\uae30 \uc704\ud574 \ud611\uc5c5 \ub3c4\uad6c\ub97c \uc7ac\uc124\uacc4 \ud574\uc57c \ud55c\ub2e4. \ub610\ud55c \ud68c\uc0ac\uac00 \uc6d0\ud558\ub294 \ud589\ub3d9\uacfc \uacb0\uacfc\ub97c \uc7a5\ub824\ud558\uae30 \uc704\ud574 \ubcf4\uc0c1\uacfc \uc778\uc13c\ud2f0\ube0c\ub97c \uc7ac\uc870\uc815 \ud574\uc57c \ud55c\ub2e4. X, Y, Z \uc138\ub300\ub294 \ub2e8\uc21c\ud55c \uc131\uacfc\uae09\uc744 \ub118\uc5b4 \ubaa9\uc801\uc744 \ucd94\uad6c\ud560 \uac83\uc774\uba70 \uc870\uc9c1\ubb38\ud654\uc640 \uad00\ud589\uc774 \uc790\uc2e0\uc758 \uac00\uce58\uc5d0 \ubd80\ud569\ud558\ub294 \ud68c\uc0ac\uc5d0\uc11c \uc77c\ud558\uae30\ub97c \uc6d0\ud560 \uac83\uc774\ub2e4. \uc774\ub7ec\ud55c \ubcc0\ud654\uc758 \uc815\ub3c4\ub97c \uac10\uc548\ud560 \ub54c, \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 \uc804\ub7b5\uc2e4\ud589\uc744 \uc9c0\uc6d0\ud560 \uc778\uc7ac \ud480\uacfc \ud544\uc694\ud55c \uc778\ub825 \ud655\ubcf4\ubc29\uc548\uc744 \ud30c\uc545\ud558\uae30 \uc704\ud55c \uc870\uce58\ub97c \ucde8\ud574\uc57c \ud55c\ub2e4.<\/li>\n<li><strong>\ub514\uc9c0\ud138 &amp; \ub370\uc774\ud130.<\/strong> \ub9ce\uc740 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\uac00 \ub514\uc9c0\ud138 \uae30\uc220\uacfc \uace0\uae09\ubd84\uc11d\uc5d0 \ud22c\uc790\ud588\uc9c0\ub9cc \uc6d0\ud558\ub294 \uacb0\uacfc\ub97c \uc5bb\uc740 \uacbd\uc6b0\ub294 \uac70\uc758 \uc5c6\uc5c8\ub2e4. \ud574\ub2f9 \uc774\ub2c8\uc154\ud2f0\ube0c\uac00 \uae30\uc220 \uc8fc\ub3c4\ub85c \ud68d\uc77c\uc801\uc778 \uc194\ub8e8\uc158\uc744 \ub3c4\ucd9c\ud558\uace0, \uccb4\uacc4\uc801 \ubcc0\ud654\ub97c \ucd94\uc9c4\ud560 \ud544\uc694\uc131\uc740 \uac04\uacfc\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc558\ub2e4. \ub610\ud55c \uc0c1\ub2f9\uc218\uc758 \uc774\ub2c8\uc154\ud2f0\ube0c\uac00 \uc2e4\ud5d8\uc801\uc774\uace0 \uc120\ud0dd\uc801\uc778 \uac83\uc73c\ub85c \uac04\uc8fc\ub418\uace0 \uc788\ub2e4. \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 \ud5a5\ud6c4 \uba87 \ub144\uac04 \uacbd\uc7c1\ub825\uc744 \ud655\ubcf4\ud558\uae30 \uc704\ud574 \ub514\uc9c0\ud138 \uae30\uc220\uacfc \ub370\uc774\ud130\ub97c \uc0ac\uc5c5\ubaa8\ub378\uacfc \uc6b4\uc601 \ubaa8\ub378\uc5d0 \uc644\uc804\ud788 \ud1b5\ud569\ud574\uc57c \ud55c\ub2e4. \uc774\ub294 \uc5ec\ub7ec \uae30\ub2a5\uc870\uc9c1\uc5d0 \uac78\uccd0 \ub514\uc9c0\ud138 \uc5ed\ub7c9\uc744 \ud655\ubcf4\ud558\uace0, \uc804\ubb38\uc9c0\uc2dd\uc744 \ubcf4\uc720\ud55c \uc804\ub2f4 \ud300 \uad6c\ucd95\uc5d0 \ud22c\uc790\ud558\uba70, \ucd94\uad6c\ud558\ub294 \ub3c4\uad6c\uc640 \uad00\ud589\uc774 \ube44\uc988\ub2c8\uc2a4 \uc694\uad6c\uc640 \uace0\uac1d \ub2c8\uc988\uc5d0 \ub530\ub77c \uc815\ud574\uc9c4\ub2e4\ub294 \uac83\uc744 \uc758\ubbf8\ud55c\ub2e4. \ub514\uc9c0\ud138\uc5d0 \uc815\ud1b5\ud558\uae30 \uc704\ud574\uc11c\ub294 \ubc18\ubcf5\uacfc \uac1c\uc120\uc744 \ud5c8\uc6a9\ud558\uae30 \uc704\ud574 \uc560\uc790\uc77c \uc0ac\uace0\ubc29\uc2dd\uc744 \uac00\uc9c0\uace0 \uc194\ub8e8\uc158\uc5d0 \uc811\uadfc\ud574\uc57c \ud55c\ub2e4. \ub610\ud55c \uc804\uccb4 \uc778\ud504\ub77c\ub97c \uc815\ucc29\uc2dc\ud0a4\uae30 \uc704\ud55c \uba85\ud655\ud55c \ub85c\ub4dc\ub9f5\uc774 \ud544\uc694\ud558\ub2e4. \ub0b4\ubd80 \ub3c4\uc785\uc5d0 \uc9d1\uc911\ud558\uace0 \uace0\uc704 \uacbd\uc601\uc9c4\uc774 \uba85\ud655\ud558\uace0 \uc77c\uad00\ub41c \ucee4\ubba4\ub2c8\ucf00\uc774\uc158\uc744 \ud568\uc73c\ub85c\uc368 \ubaa8\ub4e0 \ub2e8\uacc4\uc5d0\uc11c \uc774\ub7ec\ud55c \uc870\uce58\ub97c \uc9c0\uc6d0\ud574\uc57c \ud55c\ub2e4.<\/li>\n<li><strong>\uae30\uc220 \ud50c\ub7ab\ud3fc.<\/strong> \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 \uace0\uac1d\uc758 \uc694\uad6c, \uc0ac\uc5c5\ubaa8\ub378 \ubc0f \uc6b4\uc601 \ubaa8\ub378\uc774 \ubbf8\ub798\uc5d0 \uc5b4\ub5bb\uac8c \uc9c4\ud654\ud560 \uac83\uc778\uc9c0 \ud310\ub2e8\ud574\uc57c \ud558\uba70, \uc774\ub7ec\ud55c \ubcc0\ud654\uc5d0 \ube44\ucd94\uc5b4 \uc804\ub7b5\uc744 \uad6c\uc0ac\ud560 \uc601\uc5ed\uacfc \uc785\uc9c0\ud655\ubcf4 \ubc29\uc548\uc744 \uacb0\uc815\ud574\uc57c \ud55c\ub2e4. \uadf8\ub7f0 \ub2e4\uc74c, \ud574\ub2f9 \uc804\ub7b5\uc744 \uad6c\ud604\ud558\ub294 \ub370 \ud544\uc694\ud55c \ud575\uc2ec \uae30\uc220 \uc694\uad6c\uc0ac\ud56d\uacfc \ud50c\ub7ab\ud3fc \uc5ed\ub7c9\uc744 \ub3c4\ucd9c\ud560 \uc218 \uc788\ub2e4. \uc124\uacc4 \ud300\uc740 \ub300\uc0c1 \ud50c\ub7ab\ud3fc \uad6c\uc131\uc744 \uc815\uc758\ud558\uace0 \uc801\uc6a9 \ub85c\ub4dc\ub9f5\uc744 \ub9c8\ub828\ud574\uc57c \ud558\uba70 \ubaa8\ub4e0 \uc694\uc18c\uac00 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\uc758 \uc804\ub7b5 \ubc0f \ube44\uc988\ub2c8\uc2a4 \uc694\uad6c\uc0ac\ud56d\uacfc \uc77c\uce58\ud558\ub3c4\ub85d \ud574\uc57c \ud55c\ub2e4. \ubaa8\ub4e0 \uae30\uc220 \ud22c\uc790\uc5d0\ub294 \uc808\ucda9\uc774 \ud544\uc694\ud558\ub2e4. \uacc4\ud68d\uc758 \uc77c\ud658\uc73c\ub85c \ub9ac\ub354\ub294 \ub2e4\uc591\ud55c &#8220;Make vs Buy&#8221; \uc635\uc158\uacfc \uc790\uc0b0\uad00\ub9ac \ubaa8\ub378 \ubc0f \ud638\uc2a4\ud305 \uad6c\uc131\uc744 \uace0\ub824\ud558\uace0 \ud0c0\ub2f9\uc131, \ubcf5\uc7a1\uc131, \ube44\uc6a9 \ubc0f \ud6a8\uc728\uc131\uc5d0 \ub530\ub77c \ud3c9\uac00\ud574\uc57c \ud55c\ub2e4.<\/li>\n<\/ul>\n<h3><strong>\ub3d9 \ubcf4\uace0\uc11c\uc758 \ubc29\ubc95\ub860<\/strong><\/h3>\n<p>\ub3d9 \ubcf4\uace0\uc11c \uc791\uc131\uc2dc \ub300\ubd80\ubd84\uc758 \uc790\uc0b0\uad00\ub9ac \uae30\uad00\uc5d0 \uc775\uc219\ud55c \uc804\ud1b5\uc801\uc778 \uc138\uadf8\uba3c\ud2b8 \uba85\uce6d\uc744 \uc0ac\uc6a9\ud588\ub2e4. \uc138\uadf8\uba3c\ud2b8\uc5d0\ub294 \ub9ac\ud14c\uc77c, \uc790\uc0b0\uac00 (Affluent), \ud558\uc704 HNW (High Net Worth), \uc0c1\uc704 HNW, UHNW (Ultra High Net Worth)\uac00 \ud3ec\ud568\ub41c\ub2e4. \uc790\uc0b0 \uc9d1\ub2e8\uc758 \uc815\uc758\ub294 \uc5c5\uccb4\ub9c8\ub2e4 \ub2e4\ub97c \uc218 \uc788\uc9c0\ub9cc, \ub2e4\uc74c\uacfc \uac19\uc740 \uac1c\uc778 \uc790\uc0b0 \uaddc\ubaa8\ub97c \uae30\ubc18\uc73c\ub85c \uc138\uadf8\uba3c\ud2b8\ub97c \ubd84\ub958\ud588\ub2e4.<\/p>\n<ul>\n<li>\ub9ac\ud14c\uc77c: 25\ub9cc \ub2ec\ub7ec \ubbf8\ub9cc<\/li>\n<li>\uc790\uc0b0\uac00 (Affluent): 25\ub9cc \ub2ec\ub7ec ~ 100\ub9cc \ub2ec\ub7ec<\/li>\n<li>\ud558\uc704 HNW: 100\ub9cc \ub2ec\ub7ec ~ 2,000\ub9cc \ub2ec\ub7ec<\/li>\n<li>\uc0c1\uc704 HNW: 2,000\ub9cc \ub2ec\ub7ec ~ 1\uc5b5 \ub2ec\ub7ec<\/li>\n<li>UHNW: 1\uc5b5 \ub2ec\ub7ec \ucd08\uacfc<\/li>\n<\/ul>\n<p>\uc804 \uc138\uacc4\uc801\uc778 \uac1c\uc778 \uc790\uc0b0\uc758 \ubcc0\ud654\ub97c \uc815\ud655\ud558\uac8c \ud3c9\uac00\ud558\uae30 \uc704\ud574 BCG\ub294 \uad6d\uac00, \uc138\uadf8\uba3c\ud2b8 \ubc0f \uc790\uc0b0 \ud074\ub798\uc2a4\uc5d0 \ub300\ud55c \uc0c8\ub85c\uc6b4 \ub370\uc774\ud130\ub97c \ud1b5\ud569\ud558\uc5ec \uc2dc\uc7a5 \uaddc\ubaa8\uce21\uc815 \ubc29\ubc95\ub860\uc744 \uc9c0\uc18d\uc801\uc73c\ub85c \uac1c\uc120\ud55c\ub2e4. \ub3d9 \ubcf4\uace0\uc11c\uc758 \ubaa9\uc801\uc744 \uc704\ud558\uc5ec, \uae00\ub85c\ubc8c \uac1c\uc778 \uae08\uc735\uc790\uc0b0\uc740 \uae00\ub85c\ubc8c \uad6d\ubbfc\uacc4\uc815\uccb4\uacc4 (System of National Accounts, SNA)\ub97c \uae30\ubc18\uc73c\ub85c \uc911\uc559\uc740\ud589 \ub610\ub294 \uc0c1\uc751\ud558\ub294 \uae30\uad00\uc5d0\uc11c \uc218\uc9d1\ud55c \uc804\uccb4 \uac70\uc8fc\uc790 \uc778\uad6c\uc758 \uc790\uc0b0\uc744 \ub098\ud0c0\ub0b8\ub2e4. \uae08\uc735\uc790\uc0b0\uc5d0 \ub300\ud55c \ud1b5\ud569\ub41c \ud1b5\uacc4\uc815\ubcf4\ub97c \uacf5\uac1c\ud558\uc9c0 \uc54a\ub294 \uad6d\uac00\uc758 \uacbd\uc6b0, \uc911\uc559\uc740\ud589 \ub610\ub294 \uc0c1\uc751\ud558\ub294 \uae30\uad00\uc5d0\uc11c \uc81c\uacf5\ud55c \ub370\uc774\ud130\ub85c SNA\uc5d0 \ub530\ub77c \uad6d\uac00 \ubcc4 \ud504\ub85d\uc2dc\ub97c \uc0ac\uc6a9\ud558\uc5ec \uc0c1\ud5a5\uc2dd \ubd84\uc11d\uc744 \uc218\ud589\ud588\ub2e4.<\/p>\n<p>\uacc4\ub7c9\uc801 \ubd84\uc11d\uc744 \uc0ac\uc6a9\ud558\uc5ec \uacf5\uac1c\uc801\uc73c\ub85c \uc774\uc6a9 \uac00\ub2a5\ud55c \ub2e4\uc591\ud55c \uc790\uc0b0 \ubd84\ud3ec \ub370\uc774\ud130 \uc18c\uc2a4\ub97c \uacb0\ud569\ud55c \ud6c4, \uc2dc\uc7a5 \ubcc4 \uc131\uc778 \uac70\uc8fc\uc790 \uc778\uad6c\ub97c \uae30\uc900\uc73c\ub85c \uc790\uc0b0 \ubd84\ud3ec \ud1b5\uacc4\ub97c \ub3c4\ucd9c\ud588\ub2e4. \uc790\uc0b0 \uc138\uadf8\uba3c\ud2b8\uc758 \uacfc\uac70 \uc131\uc7a5\ub960\uacfc \uc608\uce21 \uc131\uc7a5\ub960\uc740 \uc2dc\uac04 \uacbd\uacfc\uc5d0 \ub530\ub978 \uc138\uadf8\uba3c\ud2b8 \uc9c4\uc785 \ub610\ub294 \uc774\ud0c8 \uc778\uad6c \ubcc0\ud654\ub97c \ub098\ud0c0\ub0b8\ub2e4.<\/p>\n<p>\uac1c\uc778 \uc218\uc900\uc5d0\uc11c \uae08\uc735\uc790\uc0b0\uc744 \uc608\uce21\ud558\uae30 \uc704\ud574, \uacfc\uac70\uc758 \uc790\uc0b0\uc99d\uac00 \uc9c0\ud45c\uc5d0 \ub300\ud55c \uace0\uc815 \ud328\ub110 \ub2e4\uc911\ud68c\uadc0\ubd84\uc11d\uc744 \uc2e4\uc2dc\ud558\uace0 \uc608\uce21\ub41c \uc9c0\ud45c \uac12\uc744 \uc774\ub7ec\ud55c \ud328\ud134\uc5d0 \uc801\uc6a9\ud588\ub2e4. BCG \ud504\ub85c\uc81d\ud2b8 \uacbd\ud5d8\uc5d0 \uc758\ud574 \uc0dd\uc131\ub41c \ub370\uc774\ud130\ubfd0\ub9cc \uc544\ub2c8\ub77c \uae08\uc735 \uc13c\ud130 \ubc0f \uad6d\uc81c\uacb0\uc81c\uc740\ud589 (Bank of International Settlements )\uc774 \ubc1c\ud45c\ud55c \ub370\uc774\ud130\uc5d0 \uae30\ubc18\ud558\uc5ec \ucd1d \uc790\uc0b0\uc758 \uc77c\ubd80\ub85c \ud3ec\ud568\ub418\ub294 \uc5ed\uc678 \uc790\uc0b0\uc744 \uacc4\uc0b0\ud588\ub2e4.<\/p>\n<p>\uc774\ud558\uc758 \uc138 \uac00\uc9c0 \ucf54\ub85c\ub09819 \uc774\ud6c4 \uc131\uc7a5 \uc2dc\ub098\ub9ac\uc624\uc5d0\ub294 \uc5ec\ub7ec \ubcc0\uc218\uac00 \uace0\ub824\ub418\uc5c8\uc73c\uba70, \ub2e4\uc74c\uacfc \uac19\uc740 \uac00\uc815\uc744 \uae30\ubc18\uc73c\ub85c \ud55c\ub2e4.<\/p>\n<ul>\n<li><strong>\ube60\ub978 \ubc18\ub4f1 \uc2dc\ub098\ub9ac\uc624.<\/strong> 2020\ub144 GDP\uac00 \ud558\ub77d\ud558\uc9c0\ub9cc 2021\ub144\uc5d0 \ube60\ub974\uac8c \ud68c\ubcf5\ud558\uba70 2022\ub144 \ucd08\uc5d0\ub294 GDP \uc131\uc7a5\uc774 \uc704\uae30 \uc774\uc804 \uc218\uc900\uc73c\ub85c \ud68c\ubcf5\ub41c\ub2e4. \uc790\ubcf8\uc2dc\uc7a5 \uc5ed\uc2dc 2020\ub144 \ud558\ub77d\uc138\ub97c \ubcf4\uc774\uc9c0\ub9cc 2021\ub144\uc5d0\ub294 \uc704\uae30 \uc774\uc804 \uc218\uc900\uc5d0 \uadfc\uc811\ud558\uba70 2022\ub144 ~ 2024\ub144 \uae30\uac04 \uc218\uc775\ub960\uc740 \uacfc\uac70 \uc131\uc7a5 \ud328\ud134\uacfc \uc720\uc0ac\ud558\ub2e4. \uc778\ud50c\ub808\uc774\uc158\uc740 \uc704\uae30 \uc774\uc804 \uc218\uc900\uc73c\ub85c \uc720\uc9c0\ub41c\ub2e4.<\/li>\n<li><strong>\ub290\ub9b0 \ud68c\ubcf5 \uc2dc\ub098\ub9ac\uc624.<\/strong> 2020\ub144 GDP\uac00 \uac00\ud30c\ub974\uac8c \ud558\ub77d\ud55c \ud6c4 2021\ub144 \ud68c\ubcf5\uc774 \ub354\ub514\uac8c \uc774\ub8e8\uc5b4\uc9c4\ub2e4. 2022\ub144\uc5d0\ub294 GDP\uac00 \uc704\uae30 \uc774\uc804 \uc218\uc900\uc73c\ub85c \ud68c\ubcf5\ub418\uba70 \uadf8 \uc774\ud6c4 \uc218\ub144 \ub3d9\uc548 \uc548\uc815\uc801\uc778 \uc131\uc7a5\uc138\ub97c \ubcf4\uc778\ub2e4. \uc790\ubcf8\uc2dc\uc7a5\uc740 2020\ub144 \ud070 \ud558\ub77d\ud3ed\uc744 \ubcf4\uc774\uba70 2021\ub144\uc5d0\ub294 \ubc18\ub4f1\uc774 \uac70\uc758 \uc774\ub8e8\uc5b4\uc9c0\uc9c0 \uc54a\ub294\ub2e4. \uc790\ubcf8\uc2dc\uc7a5 \uc218\uc775\ub960\uc740 \uadf8 \ud6c4 2022\ub144 ~ 2024\ub144\uc5d0 \uc548\uc815\ud654\ub418\uba70 \uacfc\uac70 \uc218\uc775\ub960\uacfc \uc720\uc0ac\ud55c \uc131\uc7a5\ub960\uc744 \ubcf4\uc778\ub2e4. \uc778\ud50c\ub808\uc774\uc158\uc740 &#8220;\ube60\ub978 \ubc18\ub4f1&#8221; \uc2dc\ub098\ub9ac\uc624\ubcf4\ub2e4 \ub0ae\uc740 \uc218\uc900\uc73c\ub85c \ub098\ud0c0\ub09c\ub2e4.<\/li>\n<li><strong>\ud0c0\uaca9 \uc9c0\uc18d \uc2dc\ub098\ub9ac\uc624.<\/strong> 2020\ub144 GDP\uac00 \uac00\ud30c\ub974\uac8c \ud558\ub77d\ud55c \ud6c4 2021\ub144\uc5d0 \uacc4\uc18d \uc815\uccb4\ub41c\ub2e4. GDP\ub294 2022\ub144\uc5d0 \ub4e4\uc5b4\uc11c\uc57c \ud68c\ubcf5\ud558\uae30 \uc2dc\uc791\ud558\uba70, \uadf8 \ud6c4 2023\ub144, 2024\ub144\uc5d0\ub294 \uc880 \ub354 \uc548\uc815\uc801\uc73c\ub85c \uc99d\uac00\ud55c\ub2e4. \uc790\ubcf8\uc2dc\uc7a5\uc740 2020\ub144 \uc2ec\uac01\ud55c \ud558\ub77d\ud3ed\uc744 \ubcf4\uc778 \ud6c4 2021\ub144 \uadf8\ubcf4\ub2e4\ub294 \uc644\ub9cc\ud55c \ud558\ub77d\uc138\ub97c \ub098\ud0c0\ub0b4\uace0, \uadf8 \ud6c4 \uc218\ub144\uac04 \ub354\ub514\uac8c \ud68c\ubcf5\uc774 \uc774\ub8e8\uc5b4\uc9c4\ub2e4. \uc778\ud50c\ub808\uc774\uc158\uc740 \uc5ec\ud0c0 \uc2dc\ub098\ub9ac\uc624 \ub300\ube44 \ub0ae\uc740 \uc218\uc900\uc73c\ub85c \ub098\ud0c0\ub09c\ub2e4.<\/li>\n<\/ul>\n<p>BCG\uc758 \uc218\uc775 \ud480 \uc0b0\uc815 \ubc29\ubc95\ub860\uc740 \ucd5c\ub300 \uc2dc\uc7a5 18\uac1c (\uae00\ub85c\ubc8c \ucd1d \uc790\uc0b0\uc758 80% \ucc28\uc9c0)\uc5d0 \ub300\ud55c \uc2dc\uc7a5 \ubcc4 \uacb0\uacfc\ub97c \uacc4\uc0b0\ud55c\ub2e4. \ub098\uba38\uc9c0 \uc2dc\uc7a5\uc5d0 \ub300\ud55c \uacb0\uacfc\ub294 \uc9c0\uc5ed \ud3c9\uade0\uc744 \uae30\uc900\uc73c\ub85c \ud55c\ub2e4. \ubaa8\ub4e0 \uc131\uc7a5\ub960\uc740 \uba85\ubaa9 \uc131\uc7a5\ub960\uc774\uba70 \uace0\uc815 \ud658\uc728\uc774 \uc801\uc6a9\ub41c\ub2e4. \uc774 \uc811\uadfc\ubc95\uc744 \uc0ac\uc6a9\ud558\uc5ec \ubc45\ud0b9 \uc2dc\uc7a5 \uaddc\ubaa8\uc640 \uc7a0\uc7ac\uc801 \ubc45\ud0b9 \uc218\uc775\uc744 \ucd94\uc815\ud588\ub2e4.<\/p>\n<p><a href=\"https:\/\/www.bcg.com\/publications\/2020\/global-wealth-future-of-wealth-management-ceo-agenda.aspx\" target=\"_blank\" rel=\"noopener\">\uc6d0\ubb38(\uc601\uc5b4) \ubcf4\ub7ec\uac00\uae30<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc790\uc0b0\uad00\ub9ac \uc5c5\uacc4\uc758 \uc5ed\uc0ac\ub294 200\ub144\uc774 \ub118\ub294\ub2e4. \uadf8\ub7ec\ub098 \ub300\ubd80\ubd84\uc758 \uae30\uac04 \ub3d9\uc548 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\ub294 \uc77c\ub960\uc801\uc778 \uc77c\ubc18\uc801 \uc804\ub7b5\uc5d0 \ub530\ub77c \uc790\uc0b0\uc744 \uad00\ub9ac\ud574 \uc654\ub2e4. \uc9c0\ub09c 20\ub144 \ub3d9\uc548\uc758 \uac70\ub300\ud55c \ub514\uc9c0\ud138 \ud601\uc2e0 \ubc0f \uaddc\uc81c \ubcc0\ud654\ub97c \ud1b5\ud574 \uc5c5\uacc4\uc758 \uc0ac\uc5c5\ubaa8\ub378\uc774 \uac1c\ud3b8\ub418\uae30 \uc2dc\uc791\ud588\ub2e4. \uc99d\uac70\uc790\ub8cc\uc5d0 \ub530\ub974\uba74 \ub300\ub2e4\uc218 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\uc758 \ub300\uc751\uc774 \ub354\ub514\uac8c \uc774\ub8e8\uc5b4\uc84c\uc73c\uba70 \uc5ec\uc804\ud788 \uc0c1\ub2f9\uc218\uc758 \uc790\uc0b0\uad00\ub9ac \ud68c\uc0ac\uac00 \uc804\ud1b5\uc801\uc778 \ud504\ub77c\uc774\ube57 \ubc45\ud0b9 \ubc29\uc2dd\uc744 \uace0\uc218\ud558\uace0 \uc788\ub2e4<\/p>\n","protected":false},"author":1,"featured_media":2411,"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":[32],"tags":[],"class_list":{"0":"post-2395","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-industry"},"_links":{"self":[{"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/posts\/2395","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=2395"}],"version-history":[{"count":0,"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/posts\/2395\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/media\/2411"}],"wp:attachment":[{"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/media?parent=2395"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/categories?post=2395"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/tags?post=2395"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}