{"id":2468,"date":"2020-07-01T13:49:54","date_gmt":"2020-07-01T04:49:54","guid":{"rendered":"https:\/\/bcgblog.kr\/?p=2468"},"modified":"2021-11-18T17:40:15","modified_gmt":"2021-11-18T08:40:15","slug":"financial-institutions-can-help-break-the-cycle-of-racial-inequality","status":"publish","type":"post","link":"https:\/\/bcgblog.kr\/financial-institutions-can-help-break-the-cycle-of-racial-inequality\/","title":{"rendered":"\uc778\uc885\ubd88\ud3c9\ub4f1 \uc545\uc21c\ud658 \ub2e8\uc808\uc758 \uc5f4\uc1e0\ub97c \uc954 \uae08\uc735\uae30\uad00\ub4e4"},"content":{"rendered":"
\uc9c0\uae08 \uc774 \uc21c\uac04, \ubbf8\uad6d\uc740 \ubcc0\uace1\uc810\uc5d0 \uc11c \uc788\ub2e4. \ucf54\ub85c\ub09819\ud32c\ub370\ubbf9\uc758 \ub9c9\ub300\ud55c \uc0ac\ud68c \uacbd\uc81c\uc801 \ubd80\ub2f4\uc740 \ud751\uc778(Black American) \ucee4\ubba4\ub2c8\ud2f0\uc5d0 \uacfc\ub3c4\ud558\uac8c \ud3b8\uc911\ub410\ub2e4. \ub3d9\uc2dc\uc5d0 \uc870\uc9c0 \ud50c\ub85c\uc774\ub4dc(George Floyd)\uc758 \uc8fd\uc74c\uacfc \uadf8 \uc774\ud6c4 \uc774\uc5b4\uc9c4 \uc2dc\ubbfc\ud3ed\ub3d9\uc740 \uc778\uc2dd\uc744 \uace0\ucde8\uc2dc\ud0a4\uace0, \ubd84\ub178\ub97c \ucd09\ubc1c\ud558\uace0, \uc778\uc885\ucc28\ubcc4\uc744 \ud574\uacb0\ud558\uace0 \uc885\uc2dd\uc2dc\ucf1c\uc57c \ud55c\ub2e4\ub294 \uacf5\ub3d9\uc758 \uad6d\uac00\uc801 \uc758\ubb34\ub97c \uc77c\uae68\uc6e0\ub2e4.<\/p>\n
\uc624\ub7ab\ub3d9\uc548 \ud589\ub3d9\ud560 \ud544\uc694\uac00 \uc788\uc5c8\uace0, \uc9c0\uae08\uc774\uc57c\ub9d0\ub85c \ud589\ub3d9\ud560 \uc2dc\uac04\uc774\ub2e4. \uc6b0\ub9ac\ub294 \uae08\uc735\uae30\uad00\uc774 \ud2b9\ud788 \ud589\ub3d9\ud558\uae30\uc5d0-\uadf8\ub9ac\uace0 \ubbf8\uad6d \uacbd\uc81c\uacc4\uc5d0 \ub354 \ub9ce\uc774 \ub098\uc544\uac08 \uac83\uc744 \ucd09\uad6c\ud558\uae30\uc5d0 \uc88b\uc740 \uc704\uce58\uc5d0 \uc788\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4.<\/p>\n
\ud751\uc778 \uc18c\ube44\uc790\ub4e4\uc5d0 \ud22c\uc790\ud558\ub294 \uc0c8\ub85c\uc6b4 \uae09\uc9c4\uc801 \ubc29\uc2dd\uc744 \ud601\uc2e0\uc801\uc73c\ub85c \ub9cc\ub4e4\uc5b4 \ub0c4\uc73c\ub85c\uc368, \uae08\uc735\uae30\uad00\ub4e4\uc740 \ud751\uc778 \uac1c\uac1c\uc778, \uadf8\ub4e4\uc758 \uae30\uc5c5 \ubc0f \ucee4\ubba4\ub2c8\ud2f0\uc758 \uae08\uc735\ud604\uc2e4\ubfd0 \uc544\ub2c8\ub77c \uc9c0\uc5ed, \uc8fc, \ubbf8\uad6d\uc758 \uacbd\uc81c\ub97c \ubcc0\ud654\uc2dc\ud0ac \uc218 \uc788\uc744 \uac83\uc774\ub2e4. \ub300\ucd9c\uae30\uad00\uc73c\ub85c\uc11c, \uae08\uc735\uae30\uad00\uc740 \uc790\ubcf8\uc5d0 \ub300\ud55c \uc811\uadfc\uc744 \ud655\ub300\uc2dc\ucf1c\uc904 \uc218 \uc788\ub2e4. \uc8fc\uc8fc\ub85c\uc11c\ub294, \uae30\uc5c5\uccb4\ub97c \ucc45\uc784\uc9c8 \uc218 \uc788\ub2e4. \uc601\ud5a5\ub825 \uc788\ub294 \uc774\ud574\uad00\uacc4\uc790\ub85c\uc11c, \uc815\ucc45\uc744 \uac1c\uc120\ud560 \uc218 \uc788\ub2e4. \uace0\uc6a9\uc8fc\ub85c\uc11c, \uc9c1\uc7a5\uc5d0\uc11c\uc758 \uc784\uae08\ud3c9\ub4f1\uc740 \ubb3c\ub860\uc774\uace0 \ub2e4\uc591\uc131\uacfc \ud3ec\uc6a9\uc131\uc744 \ud5a5\uc0c1\uc2dc\ud0ac \uc218 \uc788\ub2e4.<\/p>\n
\ud751\uc778 \uc18c\ube44\uc790\ub4e4\uc5d0 \ud22c\uc790\ud558\ub294 \uc0c8\ub85c\uc6b4 \uae09\uc9c4\uc801 \ubc29\uc2dd\uc744 \ud601\uc2e0\uc801\uc73c\ub85c \ub9cc\ub4e4\uc5b4 \ub0c4\uc73c\ub85c\uc368, \uae08\uc735\uae30\uad00\ub4e4\uc740 \ud751\uc778 \uac1c\uac1c\uc778, \uadf8\ub4e4\uc758 \uae30\uc5c5 \ubc0f \ucee4\ubba4\ub2c8\ud2f0\uc758 \uae08\uc735\ud604\uc2e4\ubfd0 \uc544\ub2c8\ub77c \uc9c0\uc5ed, \uc8fc, \ubbf8\uad6d\uc758 \uacbd\uc81c\ub97c \ubcc0\ud654\uc2dc\ud0ac \uc218 \uc788\uc744 \uac83\uc774\ub2e4.<\/p><\/blockquote>\n
\uac70\ub300\ud55c \ubd80\uc758 \uaca9\ucc28- \uc0c8\ub85c\uc6b4 \uac00\ub2a5\uc131\uc744 \uc5ec\ub294 \ubd80\uc758 \ubb3c\uacb0<\/strong><\/h3>\n
\ubbf8\uad6d \uc0ac\ud68c\uc5d0\uc11c, \uc18c\ub4dd \ubd88\uade0\ud615\uacfc \uae08\uc735 \ubd88\uc548\uc740 \uad6c\uc870\uc801 \uc778\uc885\ucc28\ubcc4\uc8fc\uc758\uc758 \uadfc\uac04\uc774\ub2e4. \uc5f0\uc900\uc704(Federal Reserve)\uc758 2016 \uc18c\ube44\uc790\uae08\uc735\uc870\uc0ac(Survey of Consumer Finances)\uc5d0 \uc758\ud558\uba74, \uac00\uad6c\ud3c9\uade0\uc21c\uc790\uc0b0\uc774 \ubbf8\uad6d \ubc31\uc778 \uac00\uc871\uc758 \uacbd\uc6b0 \uc57d 17\ub9cc 1000\ub2ec\ub7ec\uc778 \ub370 \ubc18\ud574 \ud751\uc778 \uac00\uc871\uc740 1\ub9cc 7600\ub2ec\ub7ec\uc774\ub2e4. \uc774 \ubd80\uc758 \uaca9\ucc28\ub97c1000\ub9cc \uc774\uc0c1\uc758 \ud751\uc778 \uac00\uad6c\ub4e4\uc5d0 \ub300\ud574 \ud658\uc0b0\ud558\uba74, \uadf8 \uae08\uc561\uc740 \uc218 \uc870 \ub2ec\ub7ec\uc5d0 \ub2ec\ud574 \uc720\uc0c9\uc778\uc885 \ucee4\ubba4\ub2c8\ud2f0\uc5d0 \ub300\ud574 \ud22c\uc790\ubd80\uc871\uc774 \ub9c9\ub300\ud568\uc744 \uc758\ubbf8\ud55c\ub2e4.<\/p>\n
\uacb0\uacfc\uc801\uc73c\ub85c, \ub9ce\uc740 \ud751\uc778 \uac00\uc871\ub4e4\uc740 \ubcf4\uae30 1\uc5d0\uc11c \ubcfc \uc218 \uc788\ub2e4\uc2dc\ud53c \ub354 \uc548\uc804\ud55c \uc8fc\uac70\ud658\uacbd, \ub354 \ub098\uc740 \uc77c\uc790\ub9ac, \ub354 \ub192\uc740 \uc784\uae08\uacfc \uc0dd\ud65c\uc218\uc900, \ub354 \ud070 \uc548\uc815\uc131\uc73c\ub85c \uc6c0\uc9c1\uc77c \uc218 \uc788\ub294 \uc218\ub2e8\uc774 \ubd80\uc871\ud558\ub2e4.<\/p>\n
<\/a><\/p>\n
\uc774\ub7f0 \uaca9\ucc28\ub294 \uc138\ub300\ub97c \uac70\uce58\uba74\uc11c \uc9c0\uc18d\ub418\uace0 \uac15\ud654\ub41c\ub2e4. \ubcf4\uae30 2\uc5d0\uc11c\ub294 \uba87\uba87 \ub208\uc5d0 \ub744\ub294 \ubd88\ud3c9\ub4f1\uc744 \uc9d1\uc911\uc801\uc73c\ub85c \uc0b4\ud3b4\ubcf8\ub2e4.<\/p>\n
<\/a><\/p>\n
\ud558\uc9c0\ub9cc, \uc774\ub7f0 \uad6c\uc870\uc801\uc778 \uc7a5\uc560\ubb3c\uacfc \uc555\ub825\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0, \ud751\uc778\ub4e4\uc740 \uad50\uc721\uc218\uc900, \uae30\uc5c5\uac00\uc815\uc2e0, \uc8fc\uc8fc\uc2dc\uc7a5 \ucc38\uc5ec\ub3c4\uc758 \ube44\uc728\uc744 \ube60\ub974\uac8c \uc99d\uac00\uc2dc\ucf1c \uc654\ub2e4. \uc989, \ud751\uc778\ub4e4\uc774 \ubcf4\uc720\ud55c \uc804\uccb4 \ud559\uc704 \uc218\uc640 \uae30\uc5c5\uccb4 \uc218\ub294 \ub2e4\ub978 \uadf8\ub8f9\ub4e4\uc5d0 \ube44\ud574 \uc5ec\uc804\ud788 \ub0ae\uc740 \uc218\uc900\uc774\uc9c0\ub9cc, \uadf8 \uc99d\uac00\uc728\uc5d0\uc11c\ub294 \ud751\uc778\ub4e4\uc774 \ubc31\uc778\ub4e4\uc744 \uc55e\uc9c0\ub974\uba70 \ud070 \uc9c4\uc804\uc744 \ubcf4\uc774\uace0 \uc788\ub2e4. (\ubcf4\uae303 \ucc38\uc870.)<\/p>\n
<\/a><\/p>\n
\uae08\uc735\uae30\uad00\uc740 \uc5b4\ub5bb\uac8c \ubbf8\uad6d \uc7ac\uacc4\uac00 \uacf5\uac10\uc5d0\uc11c \ud589\ub3d9\uc73c\ub85c \uc6c0\uc9c1\uc774\ub3c4\ub85d \uc774\ub04c \uc218 \uc788\ub294\uac00<\/strong><\/h3>\n
\uc774\ucc98\ub7fc \uc0c8\ub85c\uc6b4 \uac00\ub2a5\uc131\uc744 \uc81c\uc2dc\ud558\ub294 \uada4\uc801\uc774 \ucf54\ub85c\ub09819 \ud32c\ub370\ubbf9\uc758 \ubd80\ub2f4\uacfc \ucd5c\uadfc \ud3ed\ubc1c\ud55c \uc778\uc885\uac08\ub4f1\uc73c\ub85c \uc778\ud574 \ubb34\ub108\uc9c0\uc9c0 \uc54a\ub294 \uac83\uc774 \uc911\uc694\ud558\ub2e4. \ud558\uc9c0\ub9cc \uc774\ub294 \uacf5\uacf5-\ud639\uc740 \uc0ac\ud68c\ubd80\ubb38 \ub9cc\uc758 \uc774\uc288\ub294 \uc544\ub2c8\ub2e4.<\/p>\n
\uc6b0\ub9ac\ub294 \ubbfc\uac04\ubd80\ubb38 \uc5ed\uc2dc \uc7a5\uae30\uc801 \ubb38\uc81c \ud574\uacb0\uc5d0 \ud544\uc694\ud55c \uc0c8\ub85c\uc6b4 \ud574\uacb0\ucc45\uc744 \ub9c8\ub828\ud558\ub294 \ub370\uc5d0 \uc801\ud569\ud558\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4. \ud2b9\ud788 \uae08\uc735\uae30\uad00\uc740 \uc774\ub7f0 \uc6c0\uc9c1\uc784\uc744 \uc8fc\ub3c4\ud558\uae30\uc5d0 \ub2e4\uc74c\uacfc \uac19\uc740 \uc810\uc5d0\uc11c \uc720\ub9ac\ud558\ub2e4.<\/p>\n
\n
- \ubbf8\uad6d\uc758 \uac1c\uc778\uacfc \uc870\uc9c1\uc774 \ud65c\uc6a9\ud558\ub294 \uc790\ubcf8 \ubc0f \ub808\ubc84\ub9ac\uc9c0\uc758 \uac70\uc758 \ub300\ubd80\ubd84\uc5d0 \ub300\ud574 \uc0c1\ud488\uac1c\ubc1c\uc790, \uc911\uac1c\uc790, \uc81c\uacf5\uc790\ub85c\uc11c \uc5ed\ud560<\/li>\n
- \uc2dc\uc7a5\uc5d0\uc11c \uc8fc\uc694 \ud22c\uc790\uc790\ub85c\uc11c \uc870\uc9c1\uc801 \uacb0\uc815\uacfc \uc9d1\uc911\uc0ac\ud56d\uc5d0 \ubbf8\uce58\ub294 \uac15\ub825\ud55c \uc601\ud5a5, \ub610\ud55c \uc5c5\uacc4 \uc5f0\uad6c \ubc0f \ubd84\uc11d\uc5d0\uc11c\uc758 \uc6b0\uc218\uc131<\/li>\n
- \uc5f0\ubc29 \uae08\uc735\uaddc\uc81c \ubfd0 \uc544\ub2c8\ub77c \ub85c\uceec\ucc28\uc6d0\uc758 \uc815\ucc45 \ub4f1 \uc815\ucc45\uc744 \ud615\uc131\ud558\uace0 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294 \uac15\ub825\ud55c \ud798<\/li>\n<\/ul>\n
\ubd80\uc758 \uaca9\ucc28\ub97c \ud574\uc18c\ud558\uae30 \uc704\ud574\uc11c\ub294 \uae08\uc735\uae30\uad00\uc774 \ud751\uc778 \uc18c\ube44\uc790\ub97c \uc6b0\uc120\uc801\uc73c\ub85c \uc0c1\ub300\ud558\uace0, \ubaa9\ud45c\ub85c \uc0bc\uace0, \ud22c\uc790\ud558\ub294 \ubc29\uc2dd\uc5d0 \uae09\uaca9\ud55c \ud30c\uad34\uac00 \ud544\uc694\ud558\ub2e4. \uae08\uc735\uae30\uad00\ub4e4\uc774 \ud751\uc778 \uace0\uac1d\uacfc \uadf8\ub4e4\uc758 \uc0ac\uc5c5\uc744 \uc704\ud574 \ud310\ub3c4\ub97c \ub4a4\ubc14\uafc0 \uc218 \uc788\ub294 \ub124 \uac00\uc9c0 \uc8fc\uc694 \ubc29\uc2dd\uc744 \uc0b4\ud3b4\ubcf4\ub3c4\ub85d \ud55c\ub2e4.<\/p>\n
\ud601\uc2e0\uc744 \ud1b5\ud574 \ubd80\uc640 \ud3c9\ub4f1\uc744 \ud5a5\uc0c1\uc2dc\ud0a4\ub294 \ud22c\uc790 \ubc0f \uc790\ubb38 \uc194\ub8e8\uc158 \uc81c\uacf5<\/strong><\/h4>\n
\uae08\uc735\uae30\uad00\uc740 \ud575\uc2ec \ube44\uc988\ub2c8\uc2a4\ub97c \uc774\uc6a9\ud574 \ub2e4\uc74c\uc744 \uc2e4\ud589\ud560 \uc218 \uc788\ub2e4:<\/p>\n
\n
- \ubd80\ub97c \ucd95\uc801\ud558\uace0 \uc800\ucd95\uc744 \uc720\ub3c4\ud558\uae30 \uc704\ud574 \uace0\uc548\ub41c \uc0c1\ud488 \ubc0f \uc790\ubb38 \uc11c\ube44\uc2a4 \uac1c\ubc1c \ubc0f \ud655\uc7a5. \uace0\uac1d\ub4e4\uc774 \uc815\uae30\uc801\uc73c\ub85c \uc800\ucd95\ud558\ub294 \uc2b5\uad00\uc744 \ud0a4\uc6b8 \uc218 \uc788\ub3c4\ub85d \uc720\ub3c4\ud558\ub294 \uc0c1\ud488 \ubc0f \uc11c\ube44\uc2a4\ub294 \uace0\uac1d\ub4e4\uc5d0\uac8c \uc7ac\uc815 \ud68c\ubcf5\uc131\uc758 \uae30\ubc18\uc744 \ub9cc\ub4e4\uc5b4\uc900\ub2e4. \uace0\uac1d\uad00\uacc4 \uad00\ub9ac \ud504\ub85c\uc138\uc2a4\uc5d0 \uae08\uc735\uad50\uc721\uc744 \ud3ec\ud568-\ub514\uc9c0\ud138 \ubc0f \ub300\uba74 \uc790\ubb38 \ucc44\ub110\uc744 \ud1b5\ud574-\uc2dc\ud0a4\uba74 \uace0\uac1d \ucda9\uc131\ub3c4\ub294 \uac15\ub825\ud558\uac8c \ud5a5\uc0c1\ub41c\ub2e4.<\/li>\n
- \uc0c1\ud488 KPI\ub97c \uace0\uac1d\ub4e4\uc758 \ub300\ucd9c\uc561 \uc99d\uac00\uc5d0\uc11c \uace0\uac1d\uc758 \uc804\ubc18\uc801 \uae08\uc735 \uac74\uc804\uc131 \ud3c9\uac00\ub85c \uc804\ud658. \uc774 \uc804\ub7b5\uc740 \uc790\uc0b0\uc744 \ucd95\uc801 \ubc0f \uc99d\uac00\uc2dc\ud0a4\uace0, \uc2e0\uc6a9\uae30\ub85d\uc744 \ub9cc\ub4e4\uc5b4\ub0b4\uba70, \uae08\uc735\ubaa9\ud45c\ub97c \ub2ec\uc131\ud558\ub294 \uac83\uc744 \uacf5\ub3d9\uc758 \ubaa9\uc801\uc73c\ub85c \ub450\uace0, \uace0\uac1d\uad00\uacc4\ub97c \ud615\uc131\ud558\ub294 \uac83\uc774\ub2e4.<\/li>\n
- \ub300\uae30\uc5c5\uacfc\uc758 \uc81c\ud734\ub97c \ud1b5\ud574 401(k) \ub9e4\uce6d \ud380\ub4dc\uc5d0 \uc811\uadfc\uac00\ub2a5\ud55c \ubbf8\uad6d \uadfc\ub85c\uc790 \ube44\uc728 \uc99d\uac00. \ud1f4\uc9c1\uc800\ucd95\uc0c1\ud488\uc744 \ub354 \ub9ce\uc740 \ubbf8\uad6d \uadfc\ub85c\uc790\ub4e4, \ud2b9\ud788 \ud751\uc778 \uadfc\ub85c\uc790\ub4e4,\uc774 \uc811\uadfc\ud560 \uc218 \uc788\ub3c4\ub85d \ub9cc\ub4dc\ub294 \uac83\uc740 \ubd80\uc758 \uaca9\ucc28 \ud574\uc18c\uc5d0 \uc911\uc694\uc218\ub2e8\uc774 \ub41c\ub2e4.<\/li>\n
- \uc774\uc804\uc5d0 \uc18c\uc678\ub410\ub358 \uc774\ub4e4\uc744 \ud3ec\ud568\ud558\ub294 \ud601\uc2e0 \ubaa8\ub378 \ub3c4\uc785. \ud55c \uc608\ub85c, \ud604\uc7ac \u2018\uc2e0\uc6a9\uae30\ub85d\uc744 \ucc3e\uc744 \uc218 \uc5c6\uc5b4(credit invisible)\u2019 \uc5b4\ub824\uc6c0\uc744 \uacaa\uc744 \uc218 \uc788\ub294 \uc774\ub4e4\uc744 \ub3d5\uae30 \uc704\ud574, \uae30\uc874\uc758 \uc2e0\uc6a9\uae30\ub85d\uc774\ub098 \uc2e0\uc6a9\ub4f1\uae09 \ub300\uc2e0, \uace0\uc6a9 \uc99d\uba85\uc11c- \uace0\uc6a9\uc8fc\uac00 \uc81c\uacf5\ud55c \uae30\uad00 \uacf5\uac1c\uc790\ub8cc\ub97c \ud1b5\ud574-\ub97c \uace0\ub824\ud560 \uc218 \uc788\ub2e4. \uc2e0\uc6a9\uc5d0 \ub300\ud55c \uc811\uadfc\uc740 \ubd80\uc758 \ucd95\uc801\uc744 \uac00\ub2a5\ud558\uac8c \ud55c\ub2e4.<\/li>\n
- \ud1f4\uc9c1\uc800\ucd95 \uae30\ud68c \ud655\ub300. \uae30\uc874 \uace0\uc6a9\uc8fc\uae30\ubc18 \ubaa8\ub378\uc5d0\uc11c\ub294 \uc798 \uc11c\ube44\uc2a4 \ubc1b\uc9c0 \ubabb\ud588\ub358 \uc774\ub4e4\uc744 \uc704\ud55c \ub9de\ucda4\ud615 \uc0c1\ud488\uc744 \ucc3e\uc544\ub0b4\uace0 \uac1c\ubc1c\ud55c\ub2e4.<\/li>\n<\/ul>\n
\ub2e4\uc74c \uc138\ub300 \ud751\uc778 \ud22c\uc790\uc790\ub4e4\uc744 \ub354 \uc798 \uc720\uce58\ud558\uace0 \uc801\uc808\ud55c \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\uae30 \uc704\ud55c \uc804\ub7b5 \uac1c\ubc1c<\/strong><\/h4>\n
\uc18c\ube44\uc790 \uc778\uc0ac\uc774\ud2b8 \ubc0f \uc5c5\uacc4\ub124\ud2b8\uc6cc\ud06c\ub97c \ud65c\uc6a9\ud574, \uae08\uc735\uc870\uc9c1\uc740 \ub2e4\uc74c\uc744 \uc2e4\ud589\ud560 \uc218 \uc788\ub2e4.<\/p>\n
\n
- \uace0\uae09 \ubd84\uc11d\uae30\uc220\uc744 \ud65c\uc6a9\ud574 \uc131\uc7a5\uc911\uc778 \uc5ec\ub7ec \ud751\uc778 \ud22c\uc790\uc790 \uc138\uadf8\uba3c\ud2b8\uc5d0 \ub300\ud574 \uac1c\uc778 \ub9de\ucda4\ud615 \uc0c1\ud488 \ubc0f \uc11c\ube44\uc2a4 \uac1c\ubc1c. \ub2e4\uc74c \uc138\ub300 \ubbf8\uad6d \ud751\uc778\ub4e4\uc758 \ubd80\uac00 \uc6c0\uc9c1\uc774\uace0 \uc788\ub2e4. \uc790\uc0b0\uad00\ub9ac\uc0ac\ub4e4\uc774 \uace0\uae09 \ubd84\uc11d\uae30\uc220 \uc870\ud569\ud574 \ud65c\uc6a9\ud558\uace0 \uc790\ubb38 \uc0c1\ud488\uc744 \uc774\uc6a9\ud574 \ub354\uc6b1 \uc815\uad50\ud55c \uac1c\uc778\ub9de\ucda4\ud615 \uacbd\ud5d8\uc744 \uc120\uc0ac\ud55c\ub2e4\uba74 \uc774 \uc131\uc7a5\ud558\ub294 \uc2dc\uc7a5 \uc138\uadf8\uba3c\ud2b8\ub97c \ub354 \ub9ce\uc774 \ucc28\uc9c0\ud560 \uc218 \uc788\uc744 \uac83\uc774\ub2e4.<\/li>\n
- \uc7ac\uc0b0 \ubc0f \uc790\uc0b0\uad00\ub9ac\uc758 \uc804\uccb4 \uac00\uce58 \uc0ac\uc2ac \ub2e4\uac01\ud654. \uc7ac\ubb34 \uc5b4\ub4dc\ubc14\uc774\uc800, \ud22c\uc790\uad00\ub9ac\uc790, \ube0c\ub85c\ucee4 \ubc0f \ub51c\ub7ec \ubc0f \uae30\ud0c0 \uad00\ub828 \uc804\ubb38\uac00\ub4e4\uc740 \ub2e4\uc591\uc131 \ubc0f \ud3ec\uc6a9\uc131\uc744 \uc99d\ub300\ud558\ub294 \ub178\ub825\uc744 \uac15\ud654\ud574\uc57c \ud55c\ub2e4. \uace0\uac1d\uacfc\uc758 \uad00\uacc4\uc5d0\uc11c \uc7a0\uc7ac\ub825\uc744 \ucd5c\ub300\ub85c \uc2e4\ud604\ud558\ub294\ub370 \uc81c\ud55c\uc774 \ub420 \uc218 \uc788\ub294 \uc7ac\ubb34 \uc5b4\ub4dc\ubc14\uc774\uc800\uc758 \ubb34\uc758\uc2dd\uc801\uc778 \ud3b8\uacac\uc744 \uadf9\ubcf5\ud558\uae30 \uc704\ud55c \ub178\ub825\uc5d0 \ud22c\uc790\ud558\ub3c4\ub85d \ud55c\ub2e4.<\/li>\n<\/ul>\n
\ud751\uc778\uc18c\uc720 \uae30\uc5c5, \ud751\uc778 \uac70\uc8fc\uc9c0\uc5ed \ubc0f \uc778\uc885 \ud3ec\uc6a9\uc131\uc744 \uc120\ub3c4\ud558\ub294 \uae30\uc5c5\ub4e4\uc5d0 \ud22c\uc790\ub97c \uc99d\ub300\ud558\ub77c<\/strong><\/h4>\n
\uae08\uc735\uae30\uad00\uc740 \ud22c\uc790\uc758 \ub9e4\uac1c\uccb4\ub85c\uc11c\uc758 \uc5ed\ud560\uc744 \uc8fc\ub3c4\ud558\uba74\uc11c, \ub2e4\uc74c\uc744 \uc2e4\ud589\ud560 \uc218 \uc788\ub2e4:<\/p>\n
\n
- \uc911\uc18c\uae30\uc5c5(SME)\uc640 \uc131\uc7a5\ud615 \uae30\uc5c5\uc5d0 \ub300\ud55c \ub300\ucd9c\uc758 \uc778\uc885\uc801 \uaca9\ucc28\ub97c \ud574\uc18c\ud558\ub294 \uc774\ub2c8\uc154\ud2f0\ube0c \uc2e4\uc2dc \ubc0f \ud655\uc7a5. \uc740\ud589\ub4e4\uc740 \uc2e4\uc9c8\uc801\uc778 \ube44\uc988\ub2c8\uc2a4 \uc790\ubb38\uc11c\ube44\uc2a4\uc640 \uc790\ubcf8\uc811\uadfc\uc744 \uacb0\ud569\ud55c \ud504\ub85c\uadf8\ub7a8\uc744 \ud1b5\ud574 \uc131\uc7a5\uc7a0\uc7ac\ub825\uc778 \ub192\uc740 \uace0\uac1d\ub4e4\uc5d0\uac8c \ub354 \uc88b\uc740 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud560 \uc218 \uc788\ub2e4. \ud751\uc778 \uae30\uc5c5\uac00\ub4e4\uc744 \uc9c0\uc6d0\ud558\ub294 \ub85c\uceec \uc870\uc9c1\uacfc\uc758 \ud30c\ud2b8\ub108\uc2ed\uc740 \uc5ed\ub3d9\uc801\uc778 \uc2e0\uaddc \uace0\uac1d\uae30\ubc18\uc758 \ucc44\ub110\uc774 \ub420 \uc218 \uc788\ub2e4.<\/li>\n
- \ud751\uc778 \ucee4\ubba4\ub2c8\ud2f0\uc758 \ucd09\ub9e4\uc5ed\ud560\uc744 \ud558\ub294 \uc790\ubcf8\ud65c\uc6a9\uc758 \uc601\ud5a5\uc744 \uadf9\ub300\ud654. \ucee4\ubba4\ub2c8\ud2f0 \ub9ac\ub354, \ub85c\uceec \uc0c1\uacf5\uc778\ub4e4, \uc790\uc120\uc5c5\uccb4\ub4e4\uacfc\uc758 \ud611\ub825\uc744 \ud1b5\ud574 \uac15\ub825\ud55c \ucee4\ubba4\ub2c8\ud2f0 \uc911\uc2ec \uac1c\ub150\uc744 \ucc3e\uc544\ub0b4\uace0, \ud22c\uc790\uc5ec\uc815 \uc804\uccb4\uc758 \ubc1c\uc804\uc744 \uc9c0\uc6d0\ud558\uba70, \ud0c4\ub825\uc801\uc778 \uc790\ubcf8\uad6c\uc870\ub97c \ub9cc\ub4e4\uc5b4 \ub0b8\ub2e4.<\/li>\n
- \ud22c\uc790\uc790\ub4e4\uc774 \uc778\uc885\ud3ec\uc6a9\uc131 \uc120\ub3c4 \uae30\uc5c5\ub4e4 \uc704\uc8fc\ub85c \uc790\ubcf8\uc744 \uc6b4\uc6a9\ud560 \uc218 \uc788\ub294 \uc790\uc0b0\uad00\ub9ac\uc0c1\ud488 \uac1c\ubc1c. \ud3c9\uac00\ub4f1\uae09\uc5c5\uccb4 \ubc0f \uc0ac\ud68c\ubd80\ubb38\uc870\uc9c1\ub4e4\uacfc\uc758 \uc81c\ud734\ub97c \ud1b5\ud574, \ud22c\uc790\uc790\ub4e4\uc774 \uc790\ubcf8\uae08\uc744 \uac00\uce58\uc5d0 \ub530\ub77c \uc6b4\uc6a9\ud560 \uc218 \uc788\ub294 \ud22c\uc790\uc0c1\ud488-\ud380\ub4dc\ub098 \ud50c\ub7ab\ud3fc \ub4f1-\uc744 \uac1c\ubc1c\ud55c\ub2e4.<\/li>\n<\/ul>\n
\uc8fc\uc8fc, \ub300\ucd9c\uae30\uad00, \uc774\ud574\uad00\uacc4\uc790\ub85c\uc11c\uc758 \uc601\ud5a5\ub825\uc744 \ud589\uc0ac<\/strong><\/h4>\n
\uc5c5\uacc4\uc758 \uc911\uc2ec\uc5d0\uc11c \ub2e4\uc591\ud55c \uc5ed\ud560\uc744 \uc218\ud589\ud558\uba74\uc11c, \uae08\uc735\uae30\uad00\ub4e4\uc740 \ub2e4\uc74c\uc744 \uc2e4\ud589\ud560 \uc218 \uc788\ub2e4.<\/p>\n
\n
- \ud22c\uc790\uad00\ub9ac\uae30\ub2a5\uc744 \ud1b5\ud574 \uc778\uc885\ud3ec\uc6a9\uc774\ub77c\ub294 \uc8fc\uc81c\ub97c \uac15\uc870. \uc8fc\uc8fc\uc9c0\uc704\ub97c \uc774\uc6a9\ud574 \uc778\uc885\ud3ec\uc6a9\uc744 \uc9c0\uc9c0. \uae08\uc735\uae30\uad00\ub4e4\uc744 \ud3ec\ud568\ud55c \uae30\uc5c5\ub4e4\uc758 \ub2e4\uc591\uc131 \ubc0f \ud3ec\uc6a9\uc131\uc744 \ud45c\uc900 \uacf5\uc2dc\uc694\uac74\uc73c\ub85c \ub3c4\uc785\ud558\ub294 \uac83\uc744 \ucd94\uc9c4.<\/li>\n
- \uc778\uc885\ubd88\ud3c9\ub4f1\uc758 \uad6c\uc870\uc801 \uadfc\uc6d0\uc744 \ud574\uacb0\ud558\ub824\ub294 \uad11\ubc94\uc704\ud55c \ub178\ub825 \uc9c0\uc9c0. \uc9c0\uae08\uc740 \uadf8 \uc5b4\ub290 \ub54c\ubcf4\ub2e4 \uae30\uc5c5\ub9ac\ub354\uac00 \uc911\uc694\ud55c \ubb38\uc81c\uc5d0 \ub300\ud574 \uc785\uc7a5\uc744 \ubd84\uba85\ud788 \ud558\ub294 \uac83\uc5d0 \ub300\ud55c \uc774\ud574\uad00\uacc4\uc790\ub4e4\uc758 \uae30\ub300\uac00 \ub192\uc740 \uc0c1\ud669\uc774\ub2e4. \uae08\uc735\uae30\uad00\ub4e4\uc740 \uc601\ud5a5\ub825\uc744 \uc774\uc6a9\ud574 \uc778\uc885\ucc28\ubcc4\uc8fc\uc758 \ucca0\ud3d0\ub97c \uc704\ud55c \ubaa9\uc18c\ub9ac\ub97c \ub192\uc5ec\uc57c \ud55c\ub2e4. \uadf8\ub9ac\uace0 \uc790\uc120\uc0ac\uc5c5 \ubd80\ubb38 \ub4f1\uc758 \ucc44\ub110\uc744 \uc774\uc6a9\ud574 \uc9c0\uc18d\uc801\uc778 \ubcc0\ud654\ub97c \ucd94\uc9c4\ud558\ub294 \ub178\ub825\uc744 \uc9c0\uc6d0\ud574\uc57c \ud55c\ub2e4.<\/li>\n
- \ucee4\ubba4\ub2c8\ud2f0\uc5d0\uc11c\uc758 \uc704\uce58\ub97c \uc774\uc6a9\ud574 \ub85c\uceec \ud589\ub3d9 \ubc0f \uc815\ucc45\uc744 \ud615\uc131\ud558\uace0 \ubcc0\ud654\uc2dc\ud0a4\uba70 \ucee4\ubba4\ub2c8\ud2f0 \ub9ac\ub354\uc640 \uc870\uc9c1\uc774 \uc989\uac01 \ud589\ub3d9\ud560 \uc218 \uc788\ub3c4\ub85d \ud22c\uc790. \uc9c0\uc810 \ub124\ud2b8\uc6cc\ud06c\ub294 \ucee4\ubba4\ub2c8\ud2f0 \ub0b4\uc5d0\uc11c \uc790\uae08\uc735\ud1b5\uc758 \uac15\ub825\ud55c \uc6d0\ucc9c\uc73c\ub85c \uc791\uc6a9\ud55c\ub2e4. \uadf8\ub9ac\uace0 \uae08\uc735\uae30\uad00 \uc784\uc6d0\ub4e4\uc740 \ucee4\ubba4\ub2c8\ud2f0\uc758 \ub178\ub825 \ubc0f \uc9c0\ubc29\uc790\uce58\ub2e8\uccb4 \uc5b4\uc820\ub2e4 \ucd94\uc9c4, \ub85c\uceec \ube44\uc601\ub9ac\ub2e8\uccb4 \uc774\uc0ac\uc9c4 \uc8fc\ub3c4, \ub85c\uceec \uc790\uc120\ud65c\ub3d9\uc758 \uc790\uae08\uc870\ub2ec \ub4f1\uc5d0\uc11c \ub9c9\ub300\ud55c \uc5ed\ud560\uc744 \ub9e1\uace0 \uc788\ub2e4.<\/li>\n<\/ul>\n
\ub2f9\uc7a5 \ud589\ub3d9\uc774 \ud544\uc694\ud55c \uc911\uc694 \uae30\ud68c<\/strong><\/h3>\n
\uc778\uc885 \ucc28\ubcc4\uc740 \uc57d 250\ub144 \uc804 \uadf8 \uc2dc\ucd08\ubd80\ud130 \uad6d\uac00\ub97c \uad34\ub86d\ud600 \uc628 \uae4c\ub2e4\ub85c\uc6b4 \ubb38\uc81c\uc774\ub2e4. \uc6b0\ub9ac\uac00 \ucf54\ub85c\ub09819 \ud32c\ub370\ubbf9\uc774 \ud574\uacb0\ub418\uace0 \ub2e4\uc74c \uc120\uac70\uacb0\uacfc\uac00 \uacb0\uc815\ub420 \ub54c\uae4c\uc9c0 \uc774 \ubb38\uc81c\uc5d0 \ub300\ud55c \ud589\ub3d9\uc744 \uc9c0\uccb4\ud55c\ub2e4\uba74 \uac70\ub300\ud55c \uc704\ud5d8\uc744 \ucd08\ub798\ud558\ub294 \uac83\uacfc \ub9c8\ucc2c\uac00\uc9c0\uc77c \uac83\uc774\ub2e4.<\/p>\n
\ub2e4\ud589\ud788, \ubcf8 \ubcf4\uace0\uc11c\uc5d0\uc11c \ub2e4\ub8ec \uc811\uadfc\ubc29\uc2dd \uc911 \uba87\uba87\uc740 \uc774\ubbf8 \uc5ec\ub7ec \uae30\uad00\uc5d0\uc11c \uad6c\uccb4\ud654\ub418\uace0 \uc788\uc73c\uba70-\uc6b0\ub9ac\ub294 \uc55e\uc73c\ub85c \uba87 \ub2ec\uac04 \uc774 \ub300\ucc45\uc774 \uc9c4\ud589\ub418\ub294 \ubc29\uc2dd\uc5d0 \ub300\ud574 \ub354 \ub9ce\uc740 \uc778\uc0ac\uc774\ud2b8\ub97c \uacf5\uc720\ud560 \uc608\uc815\uc774\ub2e4.<\/p>\n
\ubb34\uc5c7\ubcf4\ub2e4\ub3c4, \uc778\uc885\uac08\ub4f1\uc5d0 \ub300\ud55c \ud604\uc7ac \ub300\uc911\uc758 \ucd08\uc810\uc740 \uc774 \ubb38\uc81c\uc5d0 \ub300\ud55c \ucc38\uc5ec\uc640 \ud601\uc2e0\uc744 \uc99d\uc9c4\ud558\ub294 \uac83\uc73c\ub85c \ubaa8\uc544\uc838\uc57c \ud55c\ub2e4. \uadf8\ub9ac\uace0 \uc9c0\uae08 \uc9c0\uccb4\ud568\uc73c\ub85c\uc368 \uc783\uc5b4\ubc84\ub9b0 \uae30\ubc18\uc740 \uacb0\ucf54 \uc27d\uac8c \ub2e4\uc2dc \uc5bb\uc744 \uc218 \uc5c6\uc744 \uac83\uc774\ub2e4.<\/p>\n
\ub610\ud55c, \ud751\uc778 \uad50\uc721 \ubc0f \ud751\uc778\uae30\uc5c5\uac00 \uce21\uba74\uc758 \uc0c1\uc2b9\uc138\ub97c \uc774\uc5b4\uac00\ub294 \uc9d1\uc911\ub825\uc774 \ub5a8\uc5b4\uc9c4\ub2e4\uba74, \uc9c0\uae08\uae4c\uc9c0\uc758 \uc0c1\uc2b9\uc138\uac00 \ucd94\uc9c4\ub825\uc744 \uc783\uac70\ub098 \uc2ec\uc9c0\uc5b4 \ud1f4\ubcf4\ud560 \uc704\uae30\uc5d0 \ub193\uc77c \uc218\ub3c4 \uc788\uc744 \uac83\uc774\ub2e4.<\/p>\n
\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uccb4\uacc4\uc758 \ubcc0\ud654\uc640 \ubb38\ud654\uc801 \ubcc0\ud601\uc740 \uae38\uace0 \ube44\uc120\ud615\uc801\uc778 \ud504\ub85c\uc138\uc2a4\uc774\ub2e4. \uc774\ub294 \uc9c0\uc18d\uc801\uc774\uace0 \uc9d1\uc911\uc801\uc778 \ud22c\uc790\uc640 \uac15\ub825\ud55c \uc555\ubc15\uc744 \ud1b5\ud574\uc11c\ub9cc \uc9c4\ud589\ub41c\ub2e4. \uc774\uc81c \uc6b0\ub9ac\uac00 \uc6c0\uc9c1\uc77c \ub54c\uc774\ub2e4.<\/p>\n
\uc6d0\ubb38(\uc601\uc5b4) \ubcf4\ub7ec\uac00\uae30<\/a><\/p>\n