{"id":5104,"date":"2022-02-21T20:05:43","date_gmt":"2022-02-21T11:05:43","guid":{"rendered":"https:\/\/bcgblog.kr\/?p=5104"},"modified":"2022-04-01T14:44:34","modified_gmt":"2022-04-01T05:44:34","slug":"future-of-spending-2022","status":"publish","type":"post","link":"https:\/\/bcgblog.kr\/future-of-spending-2022\/","title":{"rendered":"Future of Spending 2022 \u2015 \ucda9\ubd84\ud55c \ud3b8\ub9ac\ud568\uc740 \ucc29\uac01\uc77c \ubfd0\uc774\ub2e4"},"content":{"rendered":"<h3><strong>\uc775\uc219\ud568 \uc18d \ubcf4\uc774\uc9c0 \uc54a\ub294 \ubd88\ud3b8 \u2015 \ucda9\ubd84\ud55c \ud3b8\ub9ac\ud568\uc740 \ucc29\uac01\uc77c \ubfd0\uc774\ub2e4<\/strong><\/h3>\n<p>&nbsp;<\/p>\n<p>\uacb0\uc81c\ub294 \uc0dd\ud65c \uc18d \uc18c\ube44\ud65c\ub3d9\uc5d0 \uaf2d \ud544\uc694\ud558\uba70 \uc77c\uc0c1 \uc0dd\ud65c\uc5d0\uc11c \ube48\ubc88\ud788 \uc77c\uc5b4\ub098\uc9c0\ub9cc, \uc18c\ube44\ud558\ub294 \ubaa9\uc801\uacfc\ub294 \uc774\uc9c8\uc801\uc774\uba70 \ubd88\ud3b8\uc744 \uc57c\uae30\ud55c\ub2e4. \uc775\uc219\ud558\uace0 \ub2f9\uc5f0\ud55c \uc808\ucc28\uc778\ub9cc\ud07c \ubd88\ud3b8\uc744 \uc758\uc2dd\ud558\uc9c0 \uc54a\uc744 \uc218 \uc788\uc73c\ub098, \uc77c\ubd80 \uc18c\uc678\uacc4\uce35\uc740 \ud070 \ubd88\ud3b8\uc744 \ud638\uc18c\ud558\uba70 \uacb0\uc81c\uc5d0 \uc18c\uc694\ub418\ub294 \uc2dc\uac04\uacfc \uacf5\uac04\uc5d0 \ub300\ud55c \uc0ac\ud68c\uc801 \uae30\ud68c\ube44\uc6a9\uc740 \uc5f0\uac04 4.5\uc870\uc6d0 \uc774\uc0c1\uc73c\ub85c \ucd94\uc815\ub41c\ub2e4.<\/p>\n<p>\uc18c\ube44\uc758 \ubaa9\uc801\uacfc \uadf8 \uc548\uc5d0\uc11c \uc0ac\uc6a9\ub418\ub294 \ub9e4\uccb4\uc640 \ud589\ub3d9\uc5d0 \uc790\uc5f0\uc2a4\ub7fd\uac8c \u02bb\uc2a4\uba70\ub4e4\u2019 \ub54c \uacb0\uc81c\uc758 \u02bb\uc774\uc9c8\uc131\u2019\uc744 \ucd5c\uc18c\ud654\ud560 \uc218 \uc788\ub2e4. \uc6b0\ub9ac\ub294 \ud604\uae08, \uce74\ub4dc, \ubaa8\ubc14\uc77c \uae30\uae30 \ub4f1 \uac01\uc885 \ubb3c\ub9ac\uc801 \uacb0\uc81c\uc218\ub2e8\uc744 \uc18c\uc9c0\ud558\uba70 \uc0dd\ud65c \uc911\uc774\ub098, \uad81\uadf9\uc73c\ub85c \ud3b8\ub9ac\ud558\uace0 \ud3ec\uc6a9\uc801\uc778 \uacb0\uc81c \ubc29\uc2dd\uc740 \ub0b4\uac00 \u02bb\uc18c\uc9c0\ud558\ub294 \uac83(what you carry)\u2019\uc774 \uc544\ub2cc, \u02bb\ub098\uc758 \uc77c\ubd80(what you are)\u2019\ub97c \uc0ac\uc6a9\ud558\ub294 \uc0dd\uccb4\uc778\uc2dd \uae30\ubc18\uc758 \uacb0\uc81c\uc774\ub2e4.<\/p>\n<p>&#8216;What you are&#8217; \uacb0\uc81c\ub97c \uc801\uc6a9\ud560 \uacbd\uc6b0 \uacbd\uc81c\uc801, \uc0ac\ud68c\uc801, \uae30\uc220\uc801 \ud6a8\uacfc\ub97c \uae30\ub300\ud560 \uc218 \uc788\uc73c\uba70, \uc774\ubbf8 \uc911\uad6d, \ubbf8\uad6d \ub4f1 \u02bb\uacb0\uc81c \uc120\uc9c4\uad6d\u2019\uc5d0\uc11c\ub294 \uc0dd\uccb4\uc778\uc2dd \uacb0\uc81c\uac00 \ud65c\ubc1c\ud788 \uc0ac\uc6a9\ub418\uace0 \uc788\ub2e4. \uad6d\ub0b4\uc5d0\uc11c \ud65c\uc131\ud654\ub418\ub824\uba74, \uacf5\uae09\uc790\ub4e4\uc758 \ub04a\uc784\uc5c6\ub294 \ud601\uc2e0\uc801 \uc2dc\ub3c4\ub294 \ubb3c\ub860, \uc815\ubd80\/\uaddc\uc81c\ub2f9\uad6d\uc758 \uac1c\ubc29\uc801\uc778 \uc2dc\uac01\uacfc \uc81c\ub3c4\uc801 \ubcf4\uc644\uc774 \ud544\uc694\ud558\ub2e4. \ucd5c\uc885\uc801\uc73c\ub85c\ub294 \uc18c\ube44\uc790\uac00 \uc0c8\ub85c\uc6b4 \uacb0\uc81c \ubc29\uc2dd\uacfc, \uadf8\ub97c \ud1b5\ud574 \uac00\ub2a5\ud574\uc9c0\ub294 \uc0c8\ub85c\uc6b4 \uc18c\ube44\uc758 \uacbd\ud5d8\uc758 \uac00\uce58\ub97c \ud310\ub2e8\ud558\uace0 \uc0ac\uc6a9 \uc5ec\ubd80\ub97c \uacb0\uc815\ud574\uc57c \ud55c\ub2e4.<\/p>\n<p>\ubcf4\uc2a4\ud134\ucee8\uc124\ud305\uadf8\ub8f9(BCG) \ucf54\ub9ac\uc544\ub294 \ubcf4\uace0\uc11c &lt;Future of Spending 2022 \u2015 \uc18c\ube44\uc758 \ubbf8\ub798 2022&gt; \ubcf4\uace0\uc11c\ub97c \ud1b5\ud574 \ubbf8\ub798 \uc18c\ube44\uc640 \uacb0\uc81c\ubc29\uc2dd\uc758 \ubc29\ud5a5\uc744 \uc9da\uc5b4\ubcf4\uace0\uc790 \ud55c\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h3><strong>\uc775\uc219\ud568 \uc18d, 4.5\uc870\uc6d0\uc758 \uc228\uaca8\uc9c4 &#8216;\uae30\ud68c\ube44\uc6a9&#8217;<\/strong><\/h3>\n<p>&nbsp;<\/p>\n<p>\uacb0\uc81c\ub294 \uc0dd\ud65c \uc18d \uc18c\ube44\uac00 \uc77c\uc5b4\ub0a0 \ub54c\ub9c8\ub2e4 \ubc1c\uc0dd\ud558\ub294, \ub9ce\uc740 \uc0ac\ub78c\uc5d0\uac8c \uc775\uc219\ud55c \uc808\ucc28\ub2e4. \ub300\ubd80\ubd84 \uacb0\uc81c\ub294 1~2\ubd84 \ub0b4 \uc885\uacb0\ub418\ubbc0\ub85c \ud55c \uac74, \ud55c \uc0ac\ub78c\ub9cc \ub193\uace0 \ubcf4\uba74 \ubd88\ud3b8\ud568\uc774 \uc791\uac8c \ubcf4\uc77c \uc218 \uc788\ub2e4. \ud558\uc9c0\ub9cc \ubaa8\ub4e0 \uc774\uc5d0\uac8c \ube48\ubc88\ud788 \ubc1c\uc0dd\ud558\ub294 \ubd88\ud3b8\uc778 \ub9cc\ud07c, \uc774\ub97c \uc0ac\ud68c\uc801 \ucc28\uc6d0\uc5d0\uc11c \ud569\uc0b0\ud558\uba74 \uc0c1\ub2f9\ud55c \uaddc\ubaa8\uc758 \uae30\ud68c\ube44\uc6a9\uc774 \ubc1c\uc0dd\ud558\uac8c \ub41c\ub2e4.<\/p>\n<p>BCG\uc758 \ucd94\uc815\uc5d0 \ub530\ub974\uba74, \uc624\ud504\ub77c\uc778 \uacf5\uac04\uc5d0\uc11c \uce74\ub4dc\uc640 \ud604\uae08 \ub4f1\uc73c\ub85c \u2018\uacb0\uc81c\u2019\ub77c\ub294 \uc808\ucc28\ub97c \uc704\ud574 \uad6d\ub0b4 \uc2dc\uc7a5\uc5d0\uc11c\u00a0<strong>\uc5f0\uac04 \uc57d 2.9\uc5b5 \uc2dc\uac04, 110.7\ub9cc m\u00b2\uc758 \uacf5\uac04\uc744 \uc0ac\uc6a9\ud558\uace0 \uc788\ub2e4.<\/strong> \uc774\ub97c \uae08\uc561\uc73c\ub85c \ud658\uc0b0\ud558\uba74 <strong>\uc5f0\uac04 2.7\uc870\uc6d0\uc758 \uae30\ud68c\ube44\uc6a9\uc774 \ud604\uc7ac\uc640 \uac19\uc740 \uacb0\uc81c \ubc29\uc2dd\uc73c\ub85c \uc778\ud574 \uc0ac\ud68c\uc801\uc73c\ub85c \ub0ad\ube44\ub418\uace0 \uc788\ub2e4.<\/strong><\/p>\n<figure id=\"attachment_5196\" aria-describedby=\"caption-attachment-5196\" style=\"width: 1509px\" class=\"wp-caption aligncenter\"><a href=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2022\/02\/Chart-1-1.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-5196 size-full\" src=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2022\/02\/Chart-1-1.jpg\" alt=\"\" width=\"1509\" height=\"641\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2022\/02\/Chart-1-1.jpg 1509w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2022\/02\/Chart-1-1-300x127.jpg 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2022\/02\/Chart-1-1-1024x435.jpg 1024w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2022\/02\/Chart-1-1-768x326.jpg 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2022\/02\/Chart-1-1-696x296.jpg 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2022\/02\/Chart-1-1-1068x454.jpg 1068w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2022\/02\/Chart-1-1-989x420.jpg 989w\" sizes=\"auto, (max-width: 1509px) 100vw, 1509px\" \/><\/a><figcaption id=\"caption-attachment-5196\" class=\"wp-caption-text\"><span style=\"font-size: 10pt;\">&lt;\ud45c 1: \uce74\ub4dc\u2219\ud604\uae08 \ub4f1 \ud604 \uacb0\uc81c\ubc29\uc2dd\uc73c\ub85c \uc778\ud55c \uc2dc\uac04 \ubc0f \uacf5\uac04 \uae30\ud68c\ube44\uc6a9&gt;<\/span><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h3><strong>&#8216;What you are&#8217; \uae30\ubc18\uc758 \uc0c8\ub85c\uc6b4 \uacb0\uc81c \ud328\ub7ec\ub2e4\uc784<\/strong><\/h3>\n<p>&nbsp;<\/p>\n<p>\uc0dd\uccb4\uc778\uc2dd \uae30\ubc18 \uacb0\uc81c\uac00 \ud65c\uc131\ud654\ub418\uba74, \uc18c\ube44\uac00 \uc774\ub8e8\uc5b4\uc9c0\ub294 \ub2e4\uc591\ud55c \ub9e4\uc7a5\uc5d0\uc11c\ub294 \uc0dd\uccb4\uc815\ubcf4\ub97c \uc778\uc2dd\ud558\ub294 \ub2e8\ub9d0\uae30\uac00 \uc124\uce58\ub420 \uac83\uc774\ub2e4. \uc774\ub294 \uae30\uc874 \uacc4\uc0b0\ub300\ubcf4\ub2e4 \uacf5\uac04\uc744 \ub35c \ucc28\uc9c0\ud558\uba70 \uc18c\ube44\uac00 \uc774\ub8e8\uc5b4\uc9c0\ub294 \uacf5\uac04\uc5d0 \ubc30\uce58\ub3fc \uc544\uc608 \ubcc4\ub3c4\uc758 \uacb0\uc81c\uacf5\uac04\uc774 \uc0ac\ub77c\uc9c8 \uc218\ub3c4 \uc788\ub2e4. \uc18c\ube44\uc790\ub294 \uacb0\uc81c\ub97c \uc704\ud55c \ubb34\uc5b8\uac00\ub97c \ub530\ub85c \uc18c\uc9c0\ud558\uc9c0 \uc54a\uace0, \uc5f0\uc18d\uc801 \uc18c\ube44 \uacbd\ud5d8\uc758 \uc77c\ubd80\ub85c \uc2a4\uba70\ub4dc\ub294 \uacb0\uc81c \uc808\ucc28\ub97c \uc778\uc9c0\ud560 \uc0c8 \uc5c6\uc774 \uc2e0\uc18d\ud558\uac8c \ucc98\ub9ac\ud560 \uc218 \uc788\uc744 \uac83\uc774\ub2e4.<\/p>\n<p>BCG \ubd84\uc11d\uc5d0 \ub530\ub974\uba74, <strong>\uc0dd\uccb4\uc778\uc2dd \uacb0\uc81c\ub97c \ub3c4\uc785\ud560 \uacbd\uc6b0 20~30\ucd08 \uc18c\uc694\ub418\ub358 \uce74\ub4dc\uc640 \ubaa8\ubc14\uc77c \uac04\ud3b8\uacb0\uc81c \uc2dc\uac04\uc774 10\ucd08\ub300\ub85c \ub2e8\ucd95\ub420 \uc218 \uc788\ub2e4.<\/strong> \uc774\ub97c \ud1b5\ud574\u00a0<strong>\uad6d\ub0b4 \ucd1d \uc624\ud504\ub77c\uc778 \uacb0\uc81c \uacfc\uc815\uc5d0\uc11c \uc5f0\uac04 2.7\uc5b5\uc2dc\uac04, \uae08\uc561\uc73c\ub85c \ud658\uc0b0\ud558\uba74 1.3\uc870 \uc5ec\uc6d0\uc758 \uc0ac\ud68c\uc801 \uae30\ud68c\ube44\uc6a9\uc744 \uc808\uc57d\ud560 \uc218 \uc788\uc744 \uac83\uc73c\ub85c \uae30\ub300\ub41c\ub2e4.<\/strong><\/p>\n<figure id=\"attachment_5198\" aria-describedby=\"caption-attachment-5198\" style=\"width: 1003px\" class=\"wp-caption aligncenter\"><a href=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2022\/02\/Chart-3.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-5198\" src=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2022\/02\/Chart-3.jpg\" alt=\"\" width=\"1003\" height=\"657\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2022\/02\/Chart-3.jpg 1003w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2022\/02\/Chart-3-300x197.jpg 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2022\/02\/Chart-3-768x503.jpg 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2022\/02\/Chart-3-696x456.jpg 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2022\/02\/Chart-3-641x420.jpg 641w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2022\/02\/Chart-3-741x486.jpg 741w\" sizes=\"auto, (max-width: 1003px) 100vw, 1003px\" \/><\/a><figcaption id=\"caption-attachment-5198\" class=\"wp-caption-text\"><span style=\"font-size: 10pt;\">&lt;\ud45c 2: \uacb0\uc81c \uc218\ub2e8\ubcc4 \uc18c\uc694 \uc2dc\uac04&gt;<\/span><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h3><strong>\uc0c8\ub85c\uc6b4 \uacb0\uc81c \ud328\ub7ec\ub2e4\uc784\uc744 \ud5a5\ud55c \ub2f4\ub300\ud55c \uc0ac\ud68c\uc758 \ubcc0\ud654<\/strong><\/h3>\n<p>&nbsp;<\/p>\n<p>\ud55c\uad6d\uc740 \ud604\uc7ac \uc138\uacc4\uc5d0\uc11c \ud604\uae08\uc744 \uac00\uc7a5 \uc801\uac8c \uc0ac\uc6a9\ud558\ub294 \ub098\ub77c \uc911 \ud558\ub098\uc774\ub2e4. \uadf8\ub7ec\ub098 \uc0dd\ud65c \uc18d \uacb0\uc81c \uacbd\ud5d8\uc740 \uc608\uc804\uacfc \ud06c\uac8c \ub2e4\ub974\uc9c0 \uc54a\ub2e4. \uc138\uacc4 \ucd5c\uc0c1\uc704 \uc218\uc900\uc758 \uc2a4\ub9c8\ud2b8\ud3f0 \uc0ac\uc6a9\ub960\uc5d0\ub3c4, \ubaa8\ubc14\uc77c \uac04\ud3b8\uacb0\uc81c\ub294 \ud55c\uad6d\uc778\uc758 \uc624\ud504\ub77c\uc778 \uc18c\ube44 \uc0dd\ud65c\uc5d0\uc11c &#8216;\uc8fc\uc5f0&#8217;\uc778 \uce74\ub4dc\uc5d0 \uac00\ub824 &#8216;\uc870\uc5f0&#8217;\uae09 \uc0ac\uc6a9\uc728\uc5d0 \uba38\ubb3c\ub7ec \uc788\ub2e4. \ub354 \uace0\ub3c4\ud654\ub41c \uc6e8\uc5b4\ub7ec\ube14 \ubc0f \uc0dd\uccb4\uc778\uc2dd \uacb0\uc81c\uac00 \uc804\ud600 \uad6c\ud604\ub418\uc9c0 \ubabb\ud568\uc740 \ubb3c\ub860\uc774\ub2e4.<\/p>\n<p>\ubc18\uba74 \ubbf8\uad6d\uacfc \uc911\uad6d\uc740 \uad00\ub828 \uc0b0\uc5c5\uc744 \uc120\ub3c4\ud558\uace0 \uc788\ub2e4. \ubbf8\uad6d\uc758 \uacbd\uc6b0 \uc548\uba74\uacfc \uc9c0\uc815\ub9e5 \uc778\uc2dd \uae30\ubc18\uc758 PopID\uc640 Amazon One \ubc0f \ub9e4\uc7a5\uc744 \ub098\uc11c\uba74 \uc54c\uc544\uc11c \uacb0\uc81c\uac00 \ub418\ub294 Amazon Go\uae4c\uc9c0 \uc0c8\ub85c\uc6b4 \uacb0\uc81c \ubc29\uc2dd\uc744 \uc9c0\uc18d\uc801\uc73c\ub85c \uac1c\ubc1c \ubc0f \uc0c1\uc6a9\ud654\ud558\uace0 \uc788\ub2e4. \ub610 \uc911\uad6d\uc758 \uacbd\uc6b0 \uc2a4\ub9c8\ud2b8\ud3f0 \uc0ac\uc6a9\uc790\uc758 90%\uac00 \ubaa8\ubc14\uc77c \uacb0\uc81c\ub97c \ud65c\uc6a9\ud558\uba70 \uc774\ubbf8 \ub808\uc2a4\ud1a0\ub791, \uc288\ud37c\ub9c8\ucf13 \ub4f1 \ub2e4\uc591\ud55c \uc18c\ube44 \uc601\uc5ed\uc5d0\uc11c \uc0dd\uccb4\uc778\uc2dd \uacb0\uc81c\ub97c \ud65c\ubc1c\ud788 \uc0ac\uc6a9\ud558\uace0 \uc788\ub2e4.<\/p>\n<p>\uad6d\ub0b4\uc5d0\uc11c\ub3c4 \uc0dd\uccb4\uc778\uc2dd \uae30\ubc18\uc758 \uc0c8\ub85c\uc6b4 \uacb0\uc81c \uc0dd\ud0dc\uacc4\uac00 \uc790\ub9ac\uc7a1\uc73c\ub824\uba74 \uc815\ubd80\uc640 \uaddc\uc81c\ub2f9\uad6d\uc758 \uad00\ub828 \uac00\uc774\ub4dc\ub77c\uc778 \uc81c\uc2dc \ub4f1 \ud658\uacbd \uc870\uc131 \ub178\ub825\uc774 \ud544\uc218\uc801\uc774\ub2e4. \ub610\ud55c, \ud540\ud14c\ud06c \uc5c5\uccb4 \ub4f1 \uad6d\ub0b4 \uacf5\uae09\uc790\ub4e4\uc774 \uc0dd\uccb4\uc778\uc2dd \uae30\ubc18 \uacb0\uc81c\uc640 \uac19\uc774 \ud601\uc2e0\uc744 \uc2dc\ub3c4\ud558\uae30 \uc704\ud574\uc11c\ub294 \uc804\uc790\uae08\uc735\uac70\ub798\ubc95(\uc804\uae08\ubc95) \ub4f1 \uba85\ub8cc\ud55c \ubc95\ub960\uc801 \uae30\ubc18\uacfc \uac00\uc774\ub4dc\ub77c\uc778\uc774 \uc2e0\uc18d\ud788 \ub9c8\ub828\ub418\uc5b4\uc57c \ud55c\ub2e4.<\/p>\n<p>\uc774\uc5d0 \ub300\ud574 \ubc15\uc601\ud638 BCG \ucf54\ub9ac\uc544 \ud30c\ud2b8\ub108\ub294 \u201c\ubbf8\uad6d, \uc911\uad6d \ub4f1\uc744 \uc911\uc2ec\uc73c\ub85c \uc0dd\uccb4\uc778\uc2dd \uacb0\uc81c\ub294 \uc774\ubbf8 \ucc28\uc138\ub300 \uacb0\uc81c \uc218\ub2e8\uc73c\ub85c \uc8fc\ubaa9\ubc1b\uace0 \uc788\ub2e4. \uad6d\ub0b4 \uae30\uc5c5\ub4e4\uc774 \uc8fc\uc800\ud558\uc9c0 \uc54a\uace0 \uc0c8\ub85c\uc6b4 \uacb0\uc81c \ubc29\uc2dd\uc744 \ub3c4\uc785\ud558\uac70\ub098 \ud604\uc7ac \uc601\uc704\ud558\uace0 \uc788\ub294 \uac04\ud3b8\uacb0\uc81c \uc0ac\uc5c5\uc758 \ud655\uc7a5\uc744 \uc2dc\ub3c4\ud560 \uc218 \uc788\ub294 \uc81c\ub3c4\uc801 \uae30\ubc18 \ub9c8\ub828\uc774 \uc911\uc694\ud558\ub2e4.\u201c\ub77c\uace0 \uc81c\uc5b8\ud588\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\">________________________________________<\/p>\n<p>&nbsp;<\/p>\n<p>\uc0dd\ud65c \uc18d &#8216;\ub2f9\uc5f0\ud788 \ubd88\ud3b8\ud55c&#8217; \uac83 \ub108\uba38\uc758 \uc138\uacc4\ub97c \uc0c1\uc0c1\ud558\uace0, \uadf8 \ubaa8\uc2b5\uc744 \uad6c\ud604\ud558\uae30 \uc704\ud574 \ub05d\uc5c6\uc774 \ub178\ub825\ud55c \uc0ac\ub78c\ub4e4\uc774 \uc624\ub298\ub0a0\uc758 \uc138\uacc4\ub97c \ub9cc\ub4e4\uc5c8\ub2e4. &#8216;\ub2f9\uc5f0\ud788 \ubd88\ud3b8\ud55c&#8217; \ud604\uae08 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc744 \ud601\uc2e0\ud574 \uce74\ub4dc \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc774 \uc815\ucc29\ub418\uc5c8\uace0, &#8216;\ub2f9\uc5f0\ud788 \ubd88\ud3b8\ud55c&#8217; \uce74\ub4dc \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc744 \ud601\uc2e0\ud574 \ub514\uc9c0\ud138 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc774 \ud655\uc0b0\ub418\uace0 \uc788\ub2e4.<\/p>\n<p>\uc774\uc81c \uc0dd\uccb4\uc778\uc2dd\uc758 \ucc28\ub840\uc774\ub2e4. \uc0dd\uccb4\uc778\uc2dd \uae30\uc220 \uc0c1\uc6a9\ud654\ub97c \ud544\ub450\ub85c, \uc77c\uc0c1\uc0dd\ud65c \uc18d \uc790\uc5f0\uc2a4\ub7fd\uac8c &#8216;\uc2a4\uba70\ub4dc\ub294 \uacb0\uc81c&#8217;\ub77c\ub294 \ubaa9\ud45c\ub97c \ud5a5\ud55c \ub2e4\uc591\ud55c \ud601\uc2e0\uc801\uc778 \uc2dc\ub3c4\ub4e4\uc774 \uc9c0\uc18d\ub420 \ub54c \uc6b0\ub9ac\ub294 \uc55e\uc73c\ub85c \ub098\uc544\uac08 \uc218 \uc788\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n<h5><strong>\uc81c\uc5b8\ud55c \ud30c\ud2b8\ub108 \uc18c\uac1c<\/strong><\/h5>\n<p><a href=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2022\/02\/Park-Yungho_2018-\uba85\ud568\uc6a9.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-5392 size-medium alignleft\" src=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2022\/02\/Park-Yungho_2018-\uba85\ud568\uc6a9-200x300.jpg\" alt=\"\" width=\"200\" height=\"300\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2022\/02\/Park-Yungho_2018-\uba85\ud568\uc6a9-200x300.jpg 200w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2022\/02\/Park-Yungho_2018-\uba85\ud568\uc6a9-683x1024.jpg 683w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2022\/02\/Park-Yungho_2018-\uba85\ud568\uc6a9-768x1152.jpg 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2022\/02\/Park-Yungho_2018-\uba85\ud568\uc6a9-1024x1536.jpg 1024w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2022\/02\/Park-Yungho_2018-\uba85\ud568\uc6a9-1365x2048.jpg 1365w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2022\/02\/Park-Yungho_2018-\uba85\ud568\uc6a9-696x1044.jpg 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2022\/02\/Park-Yungho_2018-\uba85\ud568\uc6a9-1068x1602.jpg 1068w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2022\/02\/Park-Yungho_2018-\uba85\ud568\uc6a9-280x420.jpg 280w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2022\/02\/Park-Yungho_2018-\uba85\ud568\uc6a9.jpg 1920w\" sizes=\"auto, (max-width: 200px) 100vw, 200px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>\ubc15\uc601\ud638 BCG \ucf54\ub9ac\uc544 \ud30c\ud2b8\ub108<\/strong><\/li>\n<\/ul>\n<hr \/>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2022\/02\/FUTURE-OF-SPENDING-2022-\uc18c\ube44\uc758-\ubbf8\ub798-2022.pdf\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-4115 size-full\" src=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2021\/05\/\ub808\uc774\uc5b4-1-2-100.jpg\" alt=\"\" width=\"180\" height=\"51\" title=\"\"><\/a><\/p>\n<p><a href=\"\/newsletter\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2753\" src=\"http:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/10\/BCG\ub274\uc2a4\ub808\ud130\uad6c\ub3c5\ud558\uae30\ucd08\ub85d\ubc30\uacbd.png\" alt=\"\ub274\uc2a4\ub808\ud130 \uad6c\ub3c5\ud558\uae30\" width=\"180\" height=\"50\" title=\"\"><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ubcf4\uc2a4\ud134\ucee8\uc124\ud305\uadf8\ub8f9(BCG) \ucf54\ub9ac\uc544\ub294 \ubcf4\uace0\uc11c <Future of Spending 2022 \u2015 \uc18c\ube44\uc758 \ubbf8\ub798 2022> \ubcf4\uace0\uc11c\ub97c \ud1b5\ud574 \ubbf8\ub798 \uc18c\ube44\uc640 \uacb0\uc81c\ubc29\uc2dd\uc758 \ubc29\ud5a5\uc744 \uc9da\uc5b4\ubcf4\uace0\uc790 \ud55c\ub2e4.<\/p>\n","protected":false},"author":1,"featured_media":5105,"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":[33],"tags":[],"class_list":{"0":"post-5104","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-fi-ins-pipe"},"_links":{"self":[{"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/posts\/5104","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=5104"}],"version-history":[{"count":0,"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/posts\/5104\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/media\/5105"}],"wp:attachment":[{"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/media?parent=5104"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/categories?post=5104"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/tags?post=5104"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}