{"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

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\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