{"id":673,"date":"2018-06-05T18:14:45","date_gmt":"2018-06-05T09:14:45","guid":{"rendered":"https:\/\/bcgblog.kr\/?p=673"},"modified":"2020-04-29T14:37:01","modified_gmt":"2020-04-29T05:37:01","slug":"global-retail-banking-2018-power-personalization","status":"publish","type":"post","link":"https:\/\/bcgblog.kr\/global-retail-banking-2018-power-personalization\/","title":{"rendered":"\uac1c\uc778\ud654\uc758\ud798"},"content":{"rendered":"<p>\ube44 \ub514\uc9c0\ud138 \uc804\ub7b5\uc744 \uace0\uc218\ud558\ub824\uace0 \ud558\ub294 \uc18c\ub9e4 \uc740\ud589\uc744 \ucc3e\ub294 \uac83\ubcf4\ub2e4\ub294 \ucc28\ub77c\ub9ac \uc2dc\uc18d 40\ub9c8\uc77c\uc758 \uac15\ud48d\uc5d0 \uc815\uba74\uc73c\ub85c \ub9de\uc11c \ud56d\ud574\ud558\ub824\ub294 \uc0ac\ub78c\uc744 \ucc3e\ub294 \uac83\uc774 \ub354 \uc26c\uc6b8 \uac83\uc774\ub2e4.<\/p>\n<p>\uc740\ud589\ub4e4\uc740 \ubaa8\ub450 \ud604\uc7ac\uc758 \uc704\ub825\uc801\uc778 \uacbd\uc81c \ubc0f \uae30\uc220\uc758 \uc601\ud5a5\ub825\uc774 \uadf8\ub4e4\uc744 \uc5b4\ub514\ub85c \uc774\ub044\ub294\uc9c0 \uc54c\uace0 \uc788\ub2e4. \ub2e4\ub978 \uc810\uc774\ub77c\uba74 \uc740\ud589\ub9c8\ub2e4 \ub9e4\uc6b0 \ub2e4\ub978 \uc18d\ub3c4\ub85c, \ub2e4\ub978 \ub9c8\uc77c\uc2a4\ud1a4\uc5d0 \uc9d1\uc911\ud574 \uc6c0\uc9c1\uc774\uace0 \uc788\ub2e4\ub294 \uc810\uc774\ub2e4.<\/p>\n<p>BCG\uc758 \ucd5c\uadfc \uc740\ud589 \uc5f0\uad6c\uc870\uc0ac\uc5d0 \ub530\ub974\uba74, \uac00\uc7a5 \ud6a8\uacfc\uc801\uc778 \ub514\uc9c0\ud138 \uc804\ub7b5\uc744 \uc2e4\ud589\ud55c \uc804\ud1b5\uc801\uc778 \uc18c\ub9e4 \uc740\ud589\ub4e4\uc758 \uacbd\uc81c\uc801 \uc774\ub4dd\uc774 \uc99d\uac00\ud558\uace0 \uc788\ub2e4. \uc55e\uc120 \ub514\uc9c0\ud138 \uc804\ub7b5\uacfc (\ub300\ub2e4\uc218\uc758 \uacbd\uc6b0) \uc9c0\uc5ed\uc801\uc778 \uc7a5\uc810\uc744 \ubb34\uae30\ub85c, \ucd5c\uace0\uc758 \uc2e4\uc801\uc744 \ubcf4\uc774\ub294 \uc740\ud589\ub4e4\uc740 \ud604\uc7ac \uc911\uac04\uc218\uc900 \uc740\ud589\ub4e4\ubcf4\ub2e419% \ub354 \ub192\uc740 \uc601\uc5c5\uc774\uc775\uacbd\ube44\uc728(cost-income ratio)\uc744 \uae30\ub85d\ud558\uace0 \uc788\ub2e4. \uc774\ub7f0 \uaca9\ucc28\ub294 \uc9c0\ub09c 2\ub144\uac04 \uacc4\uc18d\ud574\uc11c \uc99d\uac00\ud558\uace0 \uc788\ub2e4.<\/p>\n<p>\ud55c\ud3b8, \ubcf4\ub2e4 \ub514\uc9c0\ud138\uc801\uc778 \uc6b4\uc601\ubc29\uc2dd\uc744 \uc218\uc6a9\ud574\uc57c \ud55c\ub2e4\ub294 \uc555\ubc15\uc73c\ub85c \uc778\ud574 \uc77c\ubd80 \uc11c\ube44\uc2a4 \ubd84\uc57c\uc5d0\uc11c\ub294 \ucc28\uc774\uc810\uc774 \uc0ac\ub77c\uc9c0\uae30\ub3c4 \ud588\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ub300\ubd80\ubd84\uc758 \uc740\ud589\uc740 \uc628\ub77c\uc778\uacfc \ubaa8\ubc14\uc77c \uc140\ud504\uc11c\ube44\uc2a4 \uae30\ub2a5\uc744 \uc2e4\uc2dc\ud558\uace0 \uc788\ub2e4. \ub9c8\ucc2c\uac00\uc9c0\ub85c, \ub300\ubd80\ubd84\uc758 \uc740\ud589\ub4e4\uc774 \ucf5c\uc13c\ud130\uc5d0 \uc790\ub3d9\ud654\uae30\ub2a5\uc744 \ubd80\uac00\ud574 \uc801\uc740 \uc218\uc758 \uc6b4\uc601\uc9c1\uc6d0\uacfc \uc791\uc740 \ube44\uc6a9\uc73c\ub85c\ub3c4 \ub0a9\ub4dd\ud560 \ub9cc\ud55c \uc218\uc900\uc758 \uace0\uac1c\uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud560 \uc218 \uc788\uac8c \ud588\ub2e4. \ud55c \ub54c, \ub9c9\uac15\ud55c \uc6b0\uc704\uc600\ub358 \uc774 \uae30\ub2a5\ub4e4\uc740 \uc774\uc81c \ub2f9\uc5f0\ud55c \ud544\uc218\uc0ac\ud56d\uc774 \ub418\uc5b4 \ubc84\ub838\ub2e4.<\/p>\n<p>100\uac1c \uc774\uc0c1\uc758 KPI(\ud575\uc2ec\uc131\uacfc\uc9c0\ud45c)\uc5d0 \ub300\ud574 \uc740\ud589\ub4e4\uc744 \ubd84\uc11d\ud55cBCG\uc758 \uc5f0\uac04 \ube44\uad50\uc790\ub8cc\uc5d0 \uc788\ub294 \uc62c\ud574\uc758 \ub370\uc774\ud130\ub97c \ubcf4\uba74, \uc740\ud589\uc5c5\uc774 \uc5b4\ub290 \uc815\ub3c4 \uac01 \uc2dc\uc7a5\uc758 \ubc95\uaddc, \uacbd\uc7c1\uad6c\ub3c4, \uc18c\ube44\uc790 \ud589\ud0dc\uc5d0 \uc601\ud5a5\uc744 \ubc1b\ub294 \ub85c\uceec \ube44\uc988\ub2c8\uc2a4\uc784\uc774 \uc5ec\uc2e4\ud788 \ub4dc\ub7ec\ub09c\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ubd81\ubbf8 \uc9c0\uc5ed\uc758 \uc18c\ub9e4 \uc740\ud589\ub4e4\uc740 \uad6c\uc870\uc801\uc778 \uc6b0\uc704(\ub192\uc740 \uc218\uc218\ub8cc\uc728 \ub4f1)\ub355\ubd84\uc5d0 \ub2e4\ub978 \uc9c0\uc5ed\uc5d0\uc11c\ub294 \ubd88\uac00\ub2a5\ud560 \uc218\uc775 \ub9c8\uc9c4\uc744 \ub204\ub9ac\uace0 \uc788\ub2e4. \ub124\ub35c\ub780\ub4dc, \ubca8\uae30\uc5d0, \ud638\uc8fc \ub4f1 \ub300\ubd80\ubd84\uc758 \uace0\uac1d\ub4e4\uc774 \uc8fc\ub85c \ub514\uc9c0\ud138 \ucc44\ub110\uc744 \ud1b5\ud574 \uc740\ud589\uac70\ub798\ub97c \ud558\uace0 \uc2e4\uc81c \uc740\ud589\uc5d0\ub294 \uac70\uc758 \ubc29\ubb38\ud558\uc9c0 \uc54a\ub294 \uad6d\uac00\uc5d0\uc11c\ub294, \ub514\uc9c0\ud138\uae30\uc220\uc774 \ub35c \ubc1c\ub2ec\ub41c \uad6d\uac00\uc5d0 \ube44\ud574 \uc740\ud589\ub4e4\uc774 \ub354\uc6b1 \uacf5\uaca9\uc801\uc73c\ub85c \ub514\uc9c0\ud138 \uc804\ub7b5\uc744 \uc2e4\ud589\ud560 \uc218 \uc788\ub2e4.<\/p>\n<p>\ud558\uc9c0\ub9cc, BCG\uc758 REBEX(Retail Banking Excellence Benchmark)\ub294 \ub85c\uceec \uc740\ud589\ub4e4 \uc0ac\uc774\uc5d0\uc11c\ub3c4 \uc0c1\ub2f9\ud55c \uaca9\ucc28\uac00 \uc788\uc74c\uc744 \ubc1c\uacac\ud588\ub2e4. \uc740\ud589\ub4e4\uc740 \uc774\uc81c \uac19\uc740 \uc9c0\uc5ed \ub0b4\uc758 \uacbd\uc7c1\uc790\ub4e4\uc744 \uc0c1\ub300\ub85c \uc2a4\uc2a4\ub85c\uc758 \uc6b4\uba85\uc744 \uacb0\uc815\ud574\uc57c \ud558\ub294 \uc0c1\ud669\uc774\ub2e4.<\/p>\n<p>\ubd81\ubbf8, \uc544\ud0dc, \uc11c\uc720\ub7fd, \uc911\ub0a8\ubbf8, \ub3d9\uc720\ub7fd, \uc911\ub3d9\/\uc544\ud504\ub9ac\uce74 \ub4f1 6\uac1c \uc8fc\uc694 \uc9c0\uc5ed\uc758 \uc740\ud589\uc5c5\uacc4\ub97c \uc0b4\ud3b4\ubcf4\uba74, \uc740\ud589\ub4e4\uc774 \ubcc0\ud601\uc744 \uc704\ud55c \uc5ec\uc815\uc758 \uc911\ubc18\ucbe4\uc5d0 \uc640 \uc788\uc74c\uc744 \uc54c \uc218 \uc788\ub2e4. \ub9ce\uc740 \uc740\ud589\ub4e4\uc774 \ube44\uc6a9\uce21\uba74\uc5d0\uc11c\ub294, \ud30c\uc77c\ub7ff \ud504\ub85c\uadf8\ub7a8\uc5d0\uc11c \ub300\uaddc\ubaa8 \uc774\ub2c8\uc154\ud2f0\ube0c\ub85c \uc804\ud658\ud574\uc57c \ub514\uc9c0\ud138 \ud22c\uc790\uc5d0 \ub300\ud55c \uc218\uc775\uc744 \uac70\ub46c\ub4e4\uc774\uaca0\uc9c0\ub9cc, \ub514\uc9c0\ud138\ud654\uc5d0 \uc9c4\uc804\uc744 \ubcf4\uc774\uace0 \uc788\ub2e4. \ud558\uc9c0\ub9cc, \ub514\uc9c0\ud138\ud654\ub97c \ud1b5\ud55c \uac00\uce58\ucc3d\ucd9c\uc5d0 \uc788\uc5b4\uc11c\ub294 \uc544\uc9c1 \uac08 \uae38\uc774 \ub354 \uba40\ub2e4. (\ubcf4\uae30 1 \ucc38\uc870.) \uc774 \ub2e8\uacc4\uc758 \ubaa9\ud45c\ub294 \uace0\uac1d\uc5d0\uac8c \ub354 \uc88b\uc740 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\ub294 \ubc29\ubc95\uc744 \ucc3e\ub294 \uac83\uc774\uba70, \uc774\ub97c \ud1b5\ud574 \uace0\uac1d\ub2f9 \ub9e4\ucd9c\uc744 \uc99d\ub300\ud558\uace0 \uc720\uc9c0\uc728\uc744 \uc0c1\uc2b9\uc2dc\ud0a4\ub294 \uac83\uc774\ub2e4. \uc131\uacf5\uc73c\ub85c \uac00\ub294 \ucd5c\uc120\uc758 \uae38\uc740 \uace0\uac1d\ucc38\uc5ec\ubaa8\ub378\uc744 \uc7ac\uad6c\uc131\ud558\ub294 \uac83\uc774\ub2e4.<\/p>\n<p>\uac00\uce58\ucc3d\ucd9c\uc744 \uc704\ud55c \ub514\uc9c0\ud138\ud654\ub97c \ucd94\uc9c4\ud558\uae30 \uc704\ud574, \uc804 \uc138\uacc4\uc758 \uc18c\ub9e4 \uc740\ud589\ub4e4\uc740 \uac1c\uc778\ud654\uc640 \uc9c0\uc18d\uc801\uc778 \uc2e4\ud589\uc774\ub77c\ub294 \ub450 \uac00\uc9c0 \uc0ac\ud56d\uc744 \ubc18\ub4dc\uc2dc \uc2e4\ud589\ud574\uc57c \ud55c\ub2e4.<\/p>\n<p>\uac1c\uc778\ud654\uc5d0\ub294 \uba87 \uac00\uc9c0 \uce21\uba74\uc774 \uc788\ub2e4.<\/p>\n<p>\u2022 \uac1c\uc778\ud654\ub294 \ube60\ub974\uac8c \uace0\uac1d\ub9cc\uc871\uacfc \uc740\ud589\uc758 \uacbd\uc81c\uc801 \uac00\uce58\ub97c \uc99d\ub300\uc2dc\ud0a4\ub294 \uc8fc\ub41c \uae30\uc81c\uac00 \ub418\uace0 \uc788\ub2e4. \uace0\uac1d\uc758 \uc7ac\ubb34 \ub2c8\uc988\ub97c \uc774\ud574\ud558\uace0 \uadf8\ub4e4\uc758 \uc120\ud638\ub3c4\ub97c \ubc18\uc601\ud574 \uace0\uac1d\uacfc \uc18c\ud1b5\ud558\ub294 \uc740\ud589\ub4e4\uc758 \uace0\uac1d\uc720\uc9c0\uc728\uc774 \ub354 \ub192\uac8c \ub098\ud0c0\ub09c\ub2e4.<\/p>\n<p>\u2022 \ub370\uc774\ud130\uc758 \uc9c8\uc774 \uac1c\uc120\ub418\uace0 \ub514\uc9c0\ud138 \uae30\uc220\uc774 \uae09\uc18d\ud788 \ubc1c\uc804\ud568\uc5d0 \ub530\ub77c \uc740\ud589\ub4e4\uc740 \uac1c\uc778\ud654\uc5d0 \ub300\ud574 \ub192\uc544\uc9c4 \uace0\uac1d\uc758 \uae30\ub300\ub97c \ucda9\uc871\uc2dc\ud0ac \uc218 \uc788\ub2e4. \uc740\ud589\ub4e4\uc740 \uc774 \ud234\uc744 \uc774\uc6a9\ud574 \uace0\uac1d \ud55c \uba85 \ud55c \uba85\uc758 \uc7ac\ubb34 \ubc0f \ud589\ub3d9 DNA\ub97c \ubcf4\ub2e4 \uc815\ud655\ud788 \uc774\ud574\ud558\uace0 \uc774\ub97c \uae30\ubc18\uc73c\ub85c \uac1c\uc778\ud654\ub41c \uc11c\ube44\uc2a4\ub97c \uac1c\ubc1c\ud560 \uc218 \uc788\ub2e4.<\/p>\n<p>\u2022 \uac1c\uc778\ud654\ub97c \uc131\uacf5\uc801\uc73c\ub85c \uc2e4\ud589\ud558\ub294 \uc740\ud589\uc740 \uace0\uac1d\uc744 \ub354 \uc798 \uc720\uce58\ud558\uace0, \ucc38\uc5ec\uc2dc\ud0a4\uba70, \uc720\uc9c0\ud560 \uc218 \uc788\uc744 \uac83\uc774\ub2e4. \uc774\ub7f0 \uac1c\uc120\uc73c\ub85c \uc778\ud574 \uc740\ud589\uc740 \ub208\uc5d0 \ub744\uac8c \uc131\uc7a5\ud558\uace0 \uc774\uc775\uc744 \uc99d\uac00\uc2dc\ud0ac \uac83\uc774\ub2e4.<\/p>\n<p><strong>\ubcf4\uae30 1.<\/strong> \uc2e4\uc801\uac1c\uc120\uc744 \uc704\ud574 \ub300\uaddc\ubaa8 \uc740\ud589\ub4e4\uc774 \ubc18\ub4dc\uc2dc \ud574\uc57c \ud558\ub294 \uac83<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-675 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7981.png\" alt=\"\" width=\"768\" height=\"585\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7981.png 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7981-300x229.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7981-696x530.png 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7981-551x420.png 551w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7981-80x60.png 80w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/><\/p>\n<p>\ud55c \ud3b8, \uc9c0\uc18d\uc801\uc778 \uc2e4\ud589\uc758 \ubb38\uc81c\uc5d0\ub294 2\uac00\uc9c0 \uc911\uc694\ud55c \uc694\uc18c\uac00 \uc788\ub2e4.<\/p>\n<p>\u2022 \uacfc\uac70\uc5d0 \uc740\ud589\uc758 \ud3b8\uc758\uc131\uc740 \ud574\ub2f9 \ub3c4\uc2dc \ud639\uc740 \ub9c8\uc744\uc5d0 \uc704\uce58\ud55c \uc18c\ub9e4\uc810\uc758 \uc218\uc640 \ud568\uc218\uad00\uacc4\uc5d0 \uc788\uc5c8\ub2e4. \uc55e\uc73c\ub85c\ub294, \ud3b8\uc758\uc131\uc740 \uc778\ud130\ub137\uc5d0 \uc0c1\uc2dc \uc811\uc18d \ubc45\ud0b9\uc758 \uac1c\ub150\uc744 \uc911\uc2ec\uc73c\ub85c \uc810\ucc28 \ubcc0\ud654\ud560 \uac83\uc774\ub2e4. \uc9c0\uae09\uacb0\uc81c \uc11c\ube44\uc2a4\ub294 \uc628\ub77c\uc778 \uc1fc\ud551 \uacbd\ud5d8\uc758 \ubaa8\ub4e0 \uba74\uba74\uc5d0 \ub0b4\uc7ac\ub420 \uac83\uc774\uba70, \uc18c\uc15c \ub124\ud2b8\uc6cc\ud06c\uc758 P2P \uac70\ub798\uc5d0\uc11c\ub3c4 \uc0ac\uc6a9\uac00\ub2a5\ud560 \uac83\uc774\ub2e4.<\/p>\n<p>\u2022 \uc774\ub7f0 \uc0c1\ud638\uc791\uc6a9\uc758 \uc218, \uc720\ud615, \ud0c0\uc774\ubc0d\uc740 \ube60\ub974\uac8c \uc9c4\ud654\ud558\uace0 \uc788\ub2e4. \uc720\uc5f0\uc131\uc744 \uc720\uc9c0\ud558\uae30 \uc704\ud574, \uc740\ud589\uc740 \ub514\uc9c0\ud138 \uc5ed\ub7c9\uc744 \uac16\ucd98 RM(relationship manager), \uc790\ub3d9\ud654\ub41c \uace0\uac1d \uad00\ub9ac \uc13c\ud130, \uc140\ud504\uc11c\ube44\uc2a4 \uae30\uc220 \ub4f1\uc744 \ud1b5\ud574 \uac1c\uc778\ub9de\ucda4 \uacbd\ud5d8\uc744 \uc9c0\uc18d\uc801\uc744 \uc2e4\ud589\ud560 \uc218 \uc788\ub3c4\ub85d \ud558\ub294 \uc815\uad50\ud55c \ub77c\uc6b0\ud305 \ud50c\ub7ab\ud3fc\uc744 \uad6c\ucd95\ud574\uc57c \ud560 \uac83\uc774\ub2e4.<\/p>\n<p>\uc804 \uc138\uacc4 \ub300\ubd80\ubd84\uc758 \uc9c0\uc5ed\uc5d0\uc11c, \uc740\ud589 \ubcc0\ud601 \uacfc\uc81c(\ud639\uc740 \uc791\ub144\uc5d0 BCG\uac00 \uba85\uba85\ud588\ub4ef \uc0dd\uccb4\uacf5\ud559\uc801 \ubcc0\ud601)\ub294 \uc740\ud589 \ubd80\ubb38\uc5d0\uc11c\uc758 \uc5ec\ub7ec \uc870\uac74\ub4e4\uc774 \uac1c\uc120\ub418\ub294 \uc2dc\uc810\uc5d0 \uc9c4\ud589\ub418\uace0 \uc788\ub2e4. (2017\ub144 7\uc6d4, BCG \ubcf4\uace0\uc11c \u2018Global Retail Banking 2017: Accelerating Bionic Transformation\u2019 \ucc38\uc870.) BCG\uc758 \uc608\uce21\ub2f4\ub2f9\ubd80\ubb38\uc778 BCG \ubc45\ud0b9\ud480(BCG Banking Pools)\uc740 \uc9c0\uae08\ubd80\ud130 2021\ub144 \ub9d0\uae4c\uc9c0\uc758 \uae30\uac04 \ub3d9\uc548 \uc804\uc138\uacc4 \uc18c\ub9e4 \uc740\ud589\uc774 \uc5f0\uac04 5.3% \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uce21\ud558\uace0 \uc788\uc73c\uba70 \uc774\ub294 \uc9c0\ub09c 10\ub144\uac04 \uae30\ub85d\ub41c \uac00\uc7a5 \ub192\uc740 \uc131\uc7a5\ub960\uc744 \ub6f0\uc5b4\ub118\ub294 \uac83\uc774\ub2e4. \ud2b9\ud788, \uc77c\ubd80 \uc9c0\uc5ed\uc5d0\uc11c\ub294 \ub2e4\ub978 \uc9c0\uc5ed\ubcf4\ub2e4 \uadf8 \uc0c1\uc2b9\ud3ed\uc774 \ub354\uc6b1 \ud074 \uac83\uc774\ub2e4.<\/p>\n<p>\u2022 \uc544\uc2dc\uc544 \uc740\ud589\uc758 \ub9e4\ucd9c\uc740 \uae08\uc735\ud3ec\uc6a9\uc7a5\ub824\ucc45\uacfc \ub514\uc9c0\ud138 \ubc45\ud0b9\uc11c\ube44\uc2a4\uc758 \uc2dc\ud589\uc5d0 \ud798\uc785\uc5b4, \ud5a5\ud6c4 \uba87 \ub144\uac04 \uc5f0\uac04 8% \uc99d\uac00\ud560 \uac83\uc774\ub2e4. BCG\uc758 \uc608\uce21\uc5d0 \ub530\ub974\uba74, \uc544\uc2dc\uc544 \uc9c0\uc5ed\uc740 2021\ub144 \uc988\uc74c\uc5d0\ub294 \uc18c\ub9e4\uc740\ud589 \ub9e4\ucd9c \ucd5c\uace0\uc561 \uc9c0\uc5ed\uc73c\ub85c \ubd81\ubbf8\ub97c \uc55e\uc9c0\ub97c \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4.<\/p>\n<p>\u2022 \ub610 \ub2e4\ub978 \uc2e0\ud765 \uae08\uc735 \uc9c0\uc5ed \ub450 \uacf3\uc778 \uc911\ub0a8\ubbf8\uc640 \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74 \uc9c0\uc5ed \uc5ed\uc2dc \ud3c9\uade0 \uc774\uc0c1\uc758 \ub9e4\ucd9c\uc131\uc7a5\uc744 \uacbd\ud5d8\ud558\uac8c \ub420 \uac83\uc774\ub2e4. \uc911\ub0a8\ubbf8\uc9c0\uc5ed\uc5d0\uc11c\ub294 \uc0c8\ub86d\uac8c \ud65c\uae30\ub97c \ub760\uac8c \ub41c \ube0c\ub77c\uc9c8\uc758 \uacbd\uae30\uac00 \ud575\uc2ec \uc131\uc7a5\ucd09\ub9e4\uc81c \uc5ed\ud560\uc744 \ud560 \uac83\uc774\uba70, \uc544\ud504\ub9ac\uce74\uc5d0\uc11c\ub294 \uadf8 \ucd09\ub9e4\uc81c\uac00 \uae08\uc735\ud3ec\uc6a9\uc77c \uac83\uc774\ub2e4.<\/p>\n<p>\u2022 \uc131\uc219\ud55c \ubd81\ubbf8 \uae08\uc735\uc2dc\uc7a5\uc5d0\uc11c\ub294 \uc544\uc9c1 \ubc1c\uc804 \uc911\uc778 \uc2dc\uc7a5\ub4e4\uc5d0 \ube44\ud574 \ub9e4\ucd9c \uc99d\ub300 \uc18d\ub3c4\ub294 \ub354\ub51c \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4. \ud558\uc9c0\ub9cc \ubd81\ubbf8\uc9c0\uc5ed \uc740\ud589\ub4e4\uc740 \ub192\uc740 \uae08\ub9ac\ub85c \uc778\ud574 \ub9c8\uc9c4\uc774 \uac1c\uc120\ub418\ub294 \ud61c\ud0dd\uc744 \ub204\ub9b4 \uc218 \uc788\uc744 \uac83\uc774\ub2e4. \ub610\ud55c \ud22c\uc790\uc0c1\ud488\uc5d0 \ub300\ud574 \uace0\uac1d\ub4e4\uc758 \uad00\uc2ec\uc774 \ucee4\uc9c0\ub294 \uac83 \uc5ed\uc2dc \uc740\ud589\ub4e4\uc5d0\uac8c \uc774\ub85c\uc6b4 \uc810\uc774 \ub420 \uac83\uc774\ub2e4.<\/p>\n<p>\u2022 \uc131\uc7a5 \uce21\uba74\uc5d0\uc11c \uc81c\uc77c \ubc14\ub2e5\uc5d0 \uc788\ub294 \uac83\uc740 \uc720\ub7fd \uc740\ud589\ub4e4\uc77c \uac83\uc774\ub2e4. \uc11c\uc720\ub7fd \uc740\ud589\ub4e4\uc740 \uac00\ud639\ud560 \uc815\ub3c4\ub85c \ub0ae\uc740 \ucd08\uc800\uae08\ub9ac \uae30\uc870\uc5d0\uc11c \ub9c9 \ud68c\ubcf5\ud558\ub824\ub294 \ucc30\ub098\uc5d0 \ubc18\uac11\uc9c0 \uc54a\uc740 \uaddc\uc81c\uc5d0 \uc9c1\uba74\ud558\uace0 \uc788\ub2e4. \ud3c9\uade0\uc801\uc73c\ub85c \uc720\ub7fd\uc740\ud589\ub4e4\uc758 \ub9e4\ucd9c\uc740 \ud5a5\ud6c4 \uba87 \ub144 \uac04 \uc5f0\ud3c9\uade0 \uaca8\uc6b0 2.2% \uc815\ub3c4\ub85c \uc131\uc7a5\ud560 \uac83\uc774\ub2e4. \ub3d9\uc720\ub7fd\uc740\ud589\ub4e4\uc740 \uc0c1\ud669\uc774 \uc880 \ub354 \ub098\uc744 \uac83\uc73c\ub85c \ubcf4\uc774\uc9c0\ub9cc, \ub3d9\uc720\ub7fd \uc9c0\uc5ed\uc758 \uac00\uc7a5 \ud070 \uc2dc\uc7a5\uc778 \ub7ec\uc2dc\uc544\uc758 \uacbd\uc6b0 \uc740\ud589 \ubd80\ubb38\uc774 \uacc4\uc18d\ud574\uc11c \ubd80\uc2e4\ucc44\uad8c \ub4f1\uc758 \uc5b4\ub824\uc6c0\uc73c\ub85c \uc778\ud574 \uace0\uc804\uc744 \uba74\uce58 \ubabb\ud558\uba70 \uba85\ubaa9 GDP \ubcf4\ub2e4 \ub354\ub514\uac8c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub41c\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-size: 18pt;\"><strong>\uc18c\ub9e4 \uc740\ud589\uc5c5\uc758 \uc9c0\uc5ed\ubcc4 \uc131\uc7a5\uacfc \ub3c4\uc804\uacfc\uc81c<\/strong><\/span><\/h3>\n<p>\uc18c\ub9e4\uae08\uc735\uc740 \uc804\uc138\uacc4 \uae08\uc735 \ub9e4\ucd9c\uc758 \uc57d \uc808\ubc18\uac00\ub7c9\uc744 \ucc28\uc9c0\ud55c\ub2e4. \ub098\uba38\uc9c0\ub294 \uae30\uc5c5\uae08\uc735\uacfc \uc790\uc0b0\uad00\ub9ac, \ud22c\uc790\uae08\uc735, \uc790\uae30\uc790\ubcf8\uac70\ub798, \ubc29\uce74\uc288\ub791\uc2a4 \ub4f1 \uae30\ud0c0 \uc11c\ube44\uc2a4\uac00 \ucc28\uc9c0\ud55c\ub2e4. \uc774 \ube44\uc911\uc740 \uc9c0\uae08\ubd80\ud130 2021\ub144 \uc0ac\uc774\uc5d0 \uadf9\uc801\uc73c\ub85c \ubcc0\ud654\ud560 \uac83 \uac19\uc9c0\ub294 \uc54a\ub2e4. \uc774 \uae30\uac04\uc740 BCG\uac00 \uc18c\ub9e4 \uc740\ud589\uc5c5 \ub9e4\ucd9c\uc774 \uc5f0\uac04 5.3% \ub85c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ud55c \uae30\uac04\uc774\ub2e4. \uc5f0\ud3c9\uade0\uc131\uc7a5\ub960 5%\ub294 \ucd5c\uc18c 10\ub144\uac04 \uc740\ud589\uc5c5\uc5d0\uc11c \uac00\uc7a5 \ud070 \uc0c1\uc2b9\uc138\uac00 \ub420 \uac83\uc774\ub2e4.<\/p>\n<hr \/>\n<p><strong>\ube44\ub85d \uc740\ud589\uc5c5\uc758 \uc77c\ubd80 \ud2b8\ub80c\ub4dc\ub294<\/strong><br \/>\n<strong>\uc9c0\uc5ed\uc5d0 \uc0c1\uad00\uc5c6\uc774 \uacf5\ud1b5\uc801\uc778 \ud604\uc0c1\uc774\uc9c0\ub9cc <\/strong><br \/>\n<strong>\uc18c\ub9e4 \uc740\ud589\uc5c5\uc740 \ubcf8\uc9c8\uc801\uc73c\ub85c \ub85c\uceec \ube44\uc988\ub2c8\uc2a4\uc774\ub2e4.<\/strong><\/p>\n<hr \/>\n<p>\ube44\ub85d \uc740\ud589\uc5c5\uc758 \uc77c\ubd80 \ud2b8\ub80c\ub4dc-\uac00\uc7a5 \ud655\uc2e4\ud558\uac8c\ub294 \ub514\uc9c0\ud138\ud654-\ub294 \uc9c0\uc5ed\uacfc \uc2dc\uc7a5\uc5d0 \uc0c1\uad00\uc5c6\uc774 \uacf5\ud1b5\uc801\uc778 \ud604\uc0c1\uc774\uc9c0\ub9cc \uc18c\ub9e4 \uae08\uc735\uc740 \ubcf8\uc9c8\uc801\uc73c\ub85c \ub85c\uceec \ube44\uc988\ub2c8\uc2a4\uc774\uba70 \uac01 \uad6d\uac00\ubcc4 \uacbd\uc81c\uc801\uc778 \uae30\ubcf8\uc694\uac74, \uaddc\uc81c\ud658\uacbd \ubc0f \uacbd\uc7c1\uad6c\ub3c4\uc640 \ubd88\uac00\ubd84\uc758 \uad00\uacc4\uc5d0 \uc788\ub2e4.<\/p>\n<p>\uc9c0\ub9ac\uc801\uc73c\ub85c, \uc18c\ub9e4 \uc740\ud589\ubd80\ubb38\uc758 \uac00\uc7a5 \ud070 \uc131\uc7a5\uc740 \uc544\ud0dc\uc9c0\uc5ed\uc5d0\uc11c \uc77c\uc5b4\ub098\uace0 \uc788\ub2e4. 2021\ub144\uc774 \ub418\uba74, \uc544\ud0dc\uc9c0\uc5ed\uc740 \ubd81\ubbf8\uc9c0\uc5ed\ubcf4\ub2e4 \ub354 \ud070 \uc18c\ub9e4\uc740\ud589 \uc2dc\uc7a5\uc744 \uac16\ucd94\uac8c \ub420 \uac83\uc774\ub2e4. \uc774\ub294 \ub4b7\ubc1b\uce68\ud558\ub294 \uac83 \uc911\uc5d0 \ud558\ub098\ub294 \uc544\ud0dc\uc9c0\uc5ed\uc5d0\uc11c \uc778\uad6c\uac00 \ub9ce\uc740 \uad6d\uac00\ub4e4\uc758 \uae08\uc735\ud3ec\uc6a9 \ucd94\uc9c4\uacbd\ud5a5\uc774\ub2e4. BCG\uc758 \uc608\uce21\uc5d0 \ub2e4\ub974\uba74, \ud5a5\ud6c4 3\ub144\uac04 \uc544\ud0dc\uc9c0\uc5ed\uc758 \ub9e4\ucd9c\uc131\uc7a5\uc740 \uc804 \uc138\uacc4 \ub098\uba38\uc9c0 \uc9c0\uc5ed\uc744 \ub6f0\uc5b4\ub118\uc744 \uac83\uc73c\ub85c \uc804\ub9dd\ub41c\ub2e4. \ubd81\ubbf8\uc9c0\uc5ed\uc740\ud589\uc774 \uc2e0\uaddc\ub9e4\ucd9c \ucc3d\ucd9c\uc5d0\uc11c 2\ubc88\uc9f8\ub85c \ub9ce\uc740 \uaddc\ubaa8\ub97c \ucc28\uc9c0\ud558\uba70, \uc911\ub0a8\ubbf8\uc740\ud589\uc740 3\ubc88\uc9f8, \uc911\ub3d9\uacfc \uc544\ud504\ub9ac\uce74 \uc9c0\uc5ed\uc774 \uadf8 \uc0ac\uc774\uc5d0 \ub07c\uace0, \uc11c\uc720\ub7fd\uacfc \ub3d9\uc720\ub7fd \uc740\ud589\uc740 \uc774 \uc21c\uc704\uc5d0\uc11c \ub9c8\uc9c0\ub9c9 \uc790\ub9ac\ub97c \ucc28\uc9c0\ud560 \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4. (\ubcf4\uae30 2 \ucc38\uc870.) \uc911\ub3d9\uacfc \uc544\ud504\ub9ac\uce74 \uc9c0\uc5ed\uc758 \uacbd\uc81c\ub294 \ube60\ub974\uac8c \uc131\uc7a5\ud558\uace0 \uc788\uace0 \uc544\uc2dc\uc544 \uc740\ud589\uacfc \ub9c8\ucc2c\uac00\uc9c0\ub85c \uc544\ud504\ub9ac\uce74 \uc740\ud589\ub4e4\ub3c4 \uc740\ud589\uc11c\ube44\uc2a4\ub97c \ubc1b\ub294 \uc778\uad6c\uc758 \uae09\uc18d\ud55c \uc131\uc7a5 \ub355\ubd84\uc5d0 \uc131\uc7a5\uc758 \uae30\ud68c\uac00 \ucee4\uc9c0\uace0 \uc788\ub2e4.<\/p>\n<p>\uac01 \uc9c0\uc5ed\uc758 \ub9e4\ucd9c\uc131\uc7a5\uc804\ub9dd\uacfc\ub294 \ubcc4\ub3c4\ub85c, \uc0c1\ud488\uc720\ud615\ubcc4 \ub9e4\ucd9c\uc758 \ucc28\uc774\uac00 \uc788\ub2e4. \uc77c\ubd80 \uc0c1\ud488 \uc720\ud615\uc740 \ubc31\ubd84\uc728 \uae30\uc900\uc73c\ub85c \uadf8\ub4e4\uc774 \uc18d\ud55c \uc2dc\uc7a5\ubcf4\ub2e4 \ub354 \ube68\ub9ac \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \ubcf4\uc774\uba70 \ub610 \uc5b4\ub5a4 \uc0c1\ud488\ub4e4\uc740 \ub354 \ub290\ub9ac\uac8c \uc131\uc7a5\ud560 \uac83\uc774\ub2e4. (\ubcf4\uae30 3 \ucc38\uc870.)<\/p>\n<p><strong>\ubcf4\uae30 2.<\/strong> 2021\ub144\uae4c\uc9c0 \uc804\uc138\uacc4 \uc18c\ub9e4 \uc740\ud589 \ub9e4\ucd9c\uc131\uc7a5<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-676\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7982.png\" alt=\"\" width=\"768\" height=\"625\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7982.png 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7982-300x244.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7982-696x566.png 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7982-516x420.png 516w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/><\/p>\n<p>\uc544\uc2dc\uc544 \uc740\ud589 \ub9e4\ucd9c\uc758 \uac00\uc7a5 \ud070 \ubd80\ubd84\uc740 \uc800\ucd95 \ubd80\ubb38\uc5d0\uc11c \uc77c\uc5b4\ub0a0 \uac83\uc774\ub2e4. \uc774\ub294 \ub450 \uac00\uc9c0 \uc6c0\uc9c1\uc784\uc758 \uacb0\uacfc\uc774\ub2e4. \uc544\uc2dc\uc544\uc758 \uae08\uc735\ud3ec\uc6a9\uc744 \uc7a5\ub824\ud558\ub294 \ubc95\uaddc\uc640 \uc774 \uc9c0\uc5ed\uc5d0\uc11c \uc740\ud589\uc11c\ube44\uc2a4\ub97c \ubc1b\uc9c0 \ubabb\ud558\ub294 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\ub294 \ube44\uc6a9\uc744 \uac10\uc18c\uc2dc\ucf1c \uc900 \ub514\uc9c0\ud138 \ub3c4\uc785 \ub355\ubd84\uc774\ub2e4. \uc55e\uc73c\ub85c \uba87 \ub144 \ub3d9\uc548 \ub2e4\ub978 \uc544\uc2dc\uc544 \uad6d\uac00\ub4e4 \uc911\uc5d0\uc11c\ub3c4, \uc911\uad6d, \uc778\ub3c4\ub124\uc2dc\uc544, \ud544\ub9ac\ud540, \uc778\ub3c4\uc5d0\uc11c \uc800\ucd95\uc758 \ub450 \uc790\ub9bf\uc218 \uc131\uc7a5\uc774 \uc77c\uc5b4\ub0a0 \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4.<\/p>\n<p><strong>\ubcf4\uae30 3.<\/strong> \uc9c0\uc5ed\ubcc4 \uc0c1\ud488\ub77c\uc778 \uc131\uc7a5\ub960 (2016\ub144-2021\ub144)<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-677\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7983.png\" alt=\"\" width=\"788\" height=\"449\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7983.png 788w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7983-300x171.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7983-768x438.png 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7983-696x397.png 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7983-737x420.png 737w\" sizes=\"auto, (max-width: 788px) 100vw, 788px\" \/><\/p>\n<p>\ubd81\ubbf8\uc9c0\uc5ed\uc5d0\uc11c\ub294 \uae09\uc18d\ud788 \uac1c\uc120\ub418\ub294 \uace0\uc6a9\uc0c1\ud669\uc73c\ub85c \uc778\ud574 \uae08\ub9ac\uac00 \uc0c1\uc2b9\ud560 \uac00\ub2a5\uc131\uc774 \ub192\ub2e4. \uace0\uae08\ub9ac\ub294 \ub450 \uac00\uc9c0 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294\ub370, \uc800\ucd95\uc0c1\ud488\uc5d0 \ub300\ud55c \uc740\ud589\uc758 \ub9c8\uc9c4\uc740 \uc99d\uac00\uc2dc\ucf1c\uc8fc\uc9c0\ub9cc \ub300\ucd9c\uace0\uac1d\uc5d0 \ub300\ud55c \uacbd\uc7c1\uc774 \uc774\ubbf8 \uce58\uc5f4\ud55c \uc9c0\uc5ed\uc5d0\uc11c \ub300\ucd9c\uc218\uc694\ub97c \uc81c\ud55c\ud560 \uc218 \uc788\ub2e4. \ub9ce\uc740 \uace0\uac1d\ub4e4\uc774 \uc740\ud589\uc758 \uc804\ud1b5\uc801\uc778 \uc608\uae08\uacfc \uc800\ucd95\uc0c1\ud488\uc5d0 \ube44\ud574 \uc120\ud638\ud558\ub294 \ud22c\uc790\uc0c1\ud488\uc744 \uc810\uc810 \ub354 \ub9ce\uc774 \uc774\uc6a9\ud568\uc5d0 \ub530\ub77c \ubd81\ubbf8\uc9c0\uc5ed \uc740\ud589\ub4e4\uc740 \ud61c\ud0dd\uc744 \uae30\ub300\ud560 \uc218 \uc788\ub2e4. \ud558\uc9c0\ub9cc \ubbf8\uad6d\uc758 \uc815\uce58\uc801 \ubd88\uc548\uc815\uc131\uc774\ub098 \uc8fc\uc2dd\uc2dc\uc7a5\uc758 \uc870\uc815 \ub4f1\uc774 \uc774\ub7f0 \uae0d\uc815\uc801\uc778 \ud6a8\uacfc\ub97c \uac10\ud1f4\uc2dc\ud0ac \uc218\ub3c4 \uc788\ub2e4.<\/p>\n<hr \/>\n<p><strong>\ubd81\ubbf8\uc9c0\uc5ed \uc740\ud589\ub4e4\uc740 <\/strong><br \/>\n<strong>\uace0\uac1d\ub4e4\uc774 \ud22c\uc790\uc0c1\ud488\uc744 \uc810\uc810 \ub354 \ub9ce\uc774 \uc774\uc6a9\ud568\uc5d0 \ub530\ub978 <\/strong><br \/>\n<strong>\ud61c\ud0dd\uc744 \uae30\ub300\ud560 \uc218 \uc788\ub2e4.<\/strong><\/p>\n<hr \/>\n<p>\uc911\ub0a8\ubbf8 \uc9c0\uc5ed\uc5d0\uc11c \uac00\uc7a5 \ube60\ub978 \uc131\uc7a5\uc740 \uc9c0\uae08\uae4c\uc9c0 \uac71\uc815\uc2a4\ub7ec\uc6b8 \uc218\uc900\uc73c\ub85c \uc0ac\uc6a9\ub418\uc9c0 \uc54a\uc740 \uc0c1\ud488 \ubd80\ubb38, \uc989 \ud22c\uc790\ubd80\ubb38\uc5d0\uc11c \uc77c\uc5b4\ub0a0 \uac83\uc774\ub2e4. \ud22c\uc790\uc0c1\ud488\uc5d0 \ub300\ud55c \uc218\uc694\ub294 \ub0a8\ubbf8\uc5d0\uc11c \uac00\uc7a5 \ud070 \uad6d\uac00\uc778 \ube0c\ub77c\uc9c8\uc5d0\uc11c \ub300\uac1c \ubc1c\uc0dd\ud560 \uac83\uc73c\ub85c \ubcf4\uc774\ub294\ub370, \ube0c\ub77c\uc9c8\uc740 \uacbd\uae30\uac00 \uac1c\uc120\ub418\uace0 \uc788\uc73c\uba70, \ud55c \ub54c \uad6d\ubbfc\ub4e4\uc774 \uc8fc\uc2dd\uc2dc\uc7a5\uc758 \ub192\uc740 \uc218\uc775\uc73c\ub85c \ucd95\uc81c\ub97c \uc990\uacbc\ub358 \uad6d\uac00\uc774\uae30\ub3c4 \ud558\ub2e4. \ube0c\ub77c\uc9c8\uc758 \uc740\ud589 \ud22c\uc790\uc0c1\ud488\uc5d0 \ub300\ud574 \ud2b9\ud788 \uc804\ub9dd\uc774 \ubc1d\uc740 \uac83\uc740 \ube0c\ub77c\uc9c8\uc758 \uc218\ub9ce\uc740 \ub9e4\uc2a4\ub9c8\ucf13(mass market) \uace0\uac1d\ub4e4 \ub54c\ubb38\uc774\ub2e4. \uc774\ub4e4\uc740 \ud604\uc7ac \uc11c\ube44\uc2a4\ub97c \uc81c\ub300\ub85c \ubc1b\uc9c0 \ubabb\ud558\uace0 \uc788\uc73c\uba70, \uc774\ub294 \uc55e\uc73c\ub85c \ub9c9\ub300\ud55c \uae30\ud68c\uac00 \uc788\uc74c\uc744 \uc758\ubbf8\ud55c\ub2e4.<\/p>\n<p>\uc11c\uc720\ub7fd\uc758 \uc18c\ub9e4\uc740\ud589\ub4e4\uc740 \ub85c\uceec \uacbd\uc81c\ubcf4\ub2e4 \ub354 \ub290\ub9ac\uac8c \uc131\uc7a5\ud560 \uc218\ub3c4 \uc788\ub294 \ud06c\ub098\ud070 \ub9ac\uc2a4\ud06c\uc5d0 \uc9c1\uba74\ud574 \uc788\ub2e4. \uae0d\uc815\uc801\uc778 \uba74\uc73c\ub85c\ub294, \uacbd\uc81c\uc804\ub9dd\uac1c\uc120\uacfc 15\ub144 \ub9cc\uc5d0 \uac00\uc7a5 \ub192\uc740 \uc218\uc900\uc778 \uc18c\ube44\uc790 \uc2e0\ub8b0\ub3c4\uc758 \ubc18\ub4f1\ub355\ubd84\uc5d0, \uc11c\uc720\ub7fd\uc758 \ub300\ucd9c\uc561\uc131\uc7a5\ub960\uc774 2011\ub144\ubd80\ud130 2016\ub144\uae4c\uc9c0 \uaca8\uc6b0 1% \uc600\ub358 \uc5f0\uac04\uc0c1\uc2b9\ub960\uc5d0\uc11c \uac70\uc758 \ub450 \ubc30 \uac00\uae4c\uc774 \uc99d\uac00\ud560 \uac83\uc774\ub77c\ub294 \uc810\uc774\ub2e4. \ubd80\uc815\uc801\uc778 \uba74\uc73c\ub85c\ub294, \uae08\ub9ac\uc815\uc0c1\ud654\uc5d0 \ub300\ud55c \ubd88\uc548\uc815\uc131-\uc218\ub144\uac04, \uae08\ub9ac\ub294 0\uc5d0 \uac00\uae5d\uac70\ub098 \uadf8 \uc774\ud558\uc600\ub2e4-\uc774 \uc5ec\uc804\ud788 \uc11c\uc720\ub7fd \uc740\ud589\ub4e4\uc744 \ud798\ub4e4\uac8c \ud558\uace0 \uc788\ub2e4\ub294 \uc810\uc774\ub2e4. \uadf8\ub4e4\uc740 \uc774 \ubb38\uc81c\ub97c \uc0c1\ub2f9\ubd80\ubd84 \uace0\uac1d\ub4e4\uc5d0\uac8c \uc804\uac00\ud560 \uc218 \uc788\ub2e4. \uc740\ud589\uc758 \uac70\ub798 \ub9e4\ucd9c \uc5ed\uc2dc \uc555\ub825\uc744 \ubc1b\uace0 \uc788\ub294\ub370 \ub514\uc9c0\ud138 \uc5c5\uccb4\ub4e4\uc758 \uacf5\uc2b5\uc73c\ub85c \uc778\ud574 \ub354\uc6b1 \uce58\uc5f4\ud574\uc9c4 \uacbd\uc7c1\uacfc \uaddc\uc81c\ub2f9\uad6d\uc774 \uc815\uc0b0 \uc218\uc218\ub8cc\uc5d0 \ubd80\uacfc\ud55c \uc0c1\ud55c\uc120 \ub54c\ubb38\uc774\ub2e4. \uc55e\uc73c\ub85c 3\ub144\ub0b4\ub85c \ub2e5\uce60 \uc218 \uc788\ub294 \ubd88\ud669\uc758 \uac00\ub2a5\uc131 \uc5ed\uc2dc, \ube44\ub85d \uac00\ub2a5\uc131\uc774 \uc801\uae34 \ud558\uc9c0\ub9cc, \ubb34\uc2dc\ud560 \uc218\ub9cc\uc740 \uc5c6\ub2e4. \ub9cc\uc57d \ubd88\ud669\uc774 \ud604\uc2e4\ud654\ub41c\ub2e4\uba74, \uc774 \uc740\ud589\ub4e4\uc758 \uc7ac\uae30\uc5d0 \uc0c8\ub85c\uc6b4 \ub09c\uad00\uc774 \ub420 \uac83\uc774\ub2e4.<\/p>\n<p>\ub3d9\uc720\ub7fd \uc740\ud589\ub4e4\uc740 \uae00\ub85c\ubc8c \ud3c9\uade0\uc5d0 \uadfc\uc811\ud55c \uc5f0\uac04 5.1%\uc758 \uae08\uc735 \ub9e4\ucd9c \uc99d\ub300\uac00 \uc608\uc0c1\ub418\uc5b4 \uc804\uccb4\uc758 \uc911\uac04\ucbe4\uc5d0 \uc788\ub2e4. \ub7ec\uc2dc\uc544\uc5d0\uc11c \ube44\ud604\uae08\uacb0\uc81c\uac00 \uc810\uc810 \uc99d\uac00\ud558\uace0, \uc815\ubd80\uac00 \uae08\uc735\ud3ec\uc6a9\ub3c4 \uc99d\uc9c4 \uc815\ucc45\uc744 \ucd94\uc9c4\ud568\uc5d0 \ub530\ub77c, \ub7ec\uc2dc\uc544 \uc740\ud589\ub4e4\uc740 \uc11c\ube44\uc2a4\uc640 \uc218\uc218\ub8cc \uc0c1\ud488\uc5d0\uc11c \uc0c1\ub2f9\ud55c \uc131\uc7a5\uc744 \ub204\ub9b4 \uc218 \uc788\uc744 \uac83\uc774\ub2e4. \ud558\uc9c0\ub9cc, \ub2e4\ub978 \uba74\uc5d0\uc11c\ub294, \ub7ec\uc2dc\uc544 \uc740\ud589\ub4e4\uc5d0\uac8c \uc720\ub9ac\ud55c \uc0c1\ud669\uc774 \ub9ce\uc9c0\ub9cc\uc740 \uc54a\ub2e4. \ub300\ucd9c\uc2e4\uc801\uc740 \ub0ae\uc740 \ub9c8\uc9c4\uc744 \ubcf4\uc774\uba70 \uc9c0\uc9c0\ubd80\uc9c4\ud560 \uc804\ub9dd\uc774\ub2e4. (\uc774\uac83\uc740 \ud3f4\ub780\ub4dc \uc740\ud589\uc5d0\ub3c4 \ud574\ub2f9\ub41c\ub2e4.) \ub610\ud55c \ub2e4\ub978 \ub3d9\uc720\ub7fd \uc740\ud589\ub4e4\uacfc\ub294 \ub2ec\ub9ac, \ub7ec\uc2dc\uc548 \uc740\ud589\ub4e4\uc740 \uc800\ucd95\ubd80\ubb38\uc5d0\uc11c \ub9c8\uc9c4 \uc555\ub825\uc5d0 \uc9c1\uba74\ud560 \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4. \ubd88\ud589\ud788\ub3c4, \ub7ec\uc2dc\uc544\uac00 \uc774 \uc9c0\uc5ed\uc758 \uc800\ucd95 \ub9e4\ucd9c\uc758 70%\uc774\uc0c1\uc744 \ucc28\uc9c0\ud558\uace0 \uc788\uae30 \ub54c\ubb38\uc5d0, \ub7ec\uc2dc\uc544 \uc740\ud589\ub4e4\uc758 \ubd80\uc2e4\ud55c \uc2e4\uc801\uc740 \uc774 \uc9c0\uc5ed\uc758 \uc800\ucd95\ubd80\ubb38 \uc2e4\uc801\uc744 \uc0c1\ub2f9\ud788 \uc800\ud558\ud560 \uac83\uc774\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-size: 18pt;\"><strong>\uaddc\uc81c\uc758 \uc601\ud5a5<\/strong><\/span><\/h3>\n<p>\uac00\uc7a5 \uc0c1\uc704\ub808\ubca8\uc758 \uaddc\uc81c \uac1c\ud601\uc548\uc758 \ub300\ub7b5\uc801\uc778 \uc724\uacfd\uc774 \uc774\uc81c \ub9c8\ub828\ub418\uc5b4 \uc788\uace0, \uc774 \uaddc\uc81c\ub294 \uae08\uc735 \uc548\uc815\uc131, \uc2e0\uc911\ud55c \uc6b4\uc601, \uc758\uc9c0(\uc790\uccb4\uc801\uc73c\ub85c \uc2e4\ud328\ud55c \uacbd\uc6b0\uc5d0\ub3c4 \uacc4\ud68d\uc744 \ucd94\uc9c4\ud558\ub294 \uc740\ud589\uc758 \ucc45\uc784\uac10\uc744 \uc758\ubbf8\ud568)\uc758 \uc138 \uac00\uc9c0 \uc601\uc5ed\uc5d0 \ub300\ud55c \uac83\uc774\ub2e4. \uc740\ud589\ub4e4\uc5d0\uac8c \ub3c4\uc804\uacfc\uc81c\ub294 \uc774 \uaddc\uc81c\ub4e4\uc774 \uc2dc\ud589\ub418\uae30 \uc2dc\uc791\ud574\ub3c4 \uc5ec\uc804\ud788 \ud6a8\uc728\uc131\uc744 \uc720\uc9c0\ud558\ub294 \uac83\uc774\ub2e4. \uaddc\uc81c\uc758 \uc218\ub294 2011\ub144 \uc774\ud6c4 3\ubc30\uac00 \ub418\uc5c8\ub2e4.<\/p>\n<p>\uc77c\ubd80 \uc9c0\uc5ed\uc5d0\uc11c\ub294 \ub2e4\ub978 \uc9c0\uc5ed\uc5d0 \ube44\ud574 \uaddc\uc81c\ub85c \uc778\ud55c \ub2e8\uae30\uc801 \uc601\ud5a5\uc774 \ub354 \ud074 \uac83\uc774\ub2e4. \uc720\ub7fd\uc740 \uc5ec\uc804\ud788 \ubd80\uc2e4\ucc44\uad8c\uc5d0 \ub300\ud574 \uc2e0\uc18d\ud55c \ub300\uc751\uc744 \ud558\uc9c0 \ubabb\ud55c \uac83\uc5d0 \ub300\ud574 \ud639\ub3c5\ud55c \ub300\uac00\ub97c \uce58\ub974\uace0 \uc788\uc73c\uba70, \uc720\ub7fd \uc911\uc559\uc740\ud589\uc774 \uad6d\uac00\ubcc4\ub85c \uac01\uae30 \ub2e4\ub978 \uaddc\uc81c\ub4e4\uc744 \ud558\ub098\ub85c \ud1b5\ud569\ud558\ub294 \uc791\uc5c5\uc744 \ucd94\uc9c4 \uc911\uc778\ub370, \uc740\ud589\ub4e4\uc774 \ubc95\uaddc\uc900\uc218\uc5d0 \ub300\ud574 \uac16\ub294 \ubd80\ub2f4\uc774 \uac00\uc7a5 \ub9c9\uc911\ud558\ub2e4. \ubbf8\uad6d\uc5d0\uc11c\ub294 \uc5b4\ub290 \uc815\ub3c4\uc758 \uaddc\uc81c\uc644\ud654\uac00 \uc608\uc0c1\ub418\uc5b4, \uc774\ub7f0 \ubd80\ub2f4\uc774 \uc0c1\ub300\uc801\uc73c\ub85c \uc801\uc740 \ud3b8\uc774\ub2e4. \uc720\ub7fd\uacfc \ubbf8\uad6d \uc774\uc678\uc758 \uc18c\uaddc\ubaa8 \uc9c0\uc5ed- \uc77c\ubd80 \uc9c0\uc5ed \uc2dc\uc7a5 \ud639\uc740 \uac1c\ub3c4\uad6d \uc2dc\uc7a5-\uc5d0\uc11c \ucde8\ud574\uc9c4 \uaddc\uc81c\uc870\uce58\ub4e4\uc740 \uc77c\ubc18\uc801\uc73c\ub85c \uc131\uc219\uc2dc\uc7a5\uc758 \uaddc\uc81c\ub2f9\uad6d\uc774 \ucd94\uc9c4\ud55c \uc774\ub2c8\uc154\ud2f0\ube0c\ub4e4\uc744 \ucc38\uace0\ud574 \ucd94\uc9c4\ub420 \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4. (2018\ub144 2\uc6d4, BCG \ubcf4\uace0\uc11c \u2018Future-Proofing the Bank Risk Agenda\u2019 \ucc38\uc870.)<\/p>\n<p>\uc720\ub7fd \uc18c\ub9e4 \uc740\ud589\ub4e4\uc740 \ub610\ud55c \ucca0\uc800\ud788 \uc900\uc218\ud558\uace0 \uc2e4\ud589\ud558\ub294 \uac83 \uc774\uc0c1\uc758 \uc601\ud5a5\uc774 \uc788\ub2942 \uac1c\uc758 EU\uaddc\uc81c\uc5d0 \uc9c1\uba74\ud558\uace0 \uc788\ub2e4.<\/p>\n<p>\u2022 PSD2(Payment Services Directive II)\uc5d0 \ub530\ub77c, \uc740\ud589\uc740 \ubcf4\ub2e4 \uac1c\ubc29\uc801\uc774\uace0 \ud45c\uc900\ud654\ub41c API(application programming interface)\ub97c \ud1b5\ud574 \uc368\ub4dc\ud30c\ud2f0\uac00 \uace0\uac1d\uacc4\uc88c\uc815\ubcf4\uc5d0 \uc811\uadfc\ud560 \uc218 \uc788\ub3c4\ub85d \ud574\uc57c \ud55c\ub2e4. \ub2e4\ub978 \uc5c5\uc885 \uc989, \uad6c\uae00(Google)\uacfc \ud398\uc774\uc2a4\ubd81(Facebook)\uacfc \uac19\uc740 \ud3ec\ud138\uc0ac\uc774\ud2b8\uc5d0\uc11c\ub294 \uc368\ub4dc\ud30c\ud2f0\uac00 \uadf8\ub4e4\uc758 \uc0c1\ud488\uacfc \uc11c\ube44\uc2a4\ub97c \ud1b5\ud569\ud560 \uc218 \uc788\ub3c4\ub85d \uc624\ub7ab\ub3d9\uc548 \uc624\ud508 API\ub97c \ud65c\uc6a9\ud574\uc654\ub2e4. \ud604\uc7ac, \uc804\uccb4 \uc0dd\ud0dc\uacc4\ub294 \uae30\uc220\ub300\uae30\uc5c5\ub4e4\uc758 \ud575\uc2ec \ud50c\ub7ab\ud3fc\uc744 \uc911\uc2ec\uc73c\ub85c \uc774\ub8e8\uc5b4\uc9c4\ub2e4. \uc624\ud508\ubc45\ud0b9\uc774 \uc810\ucc28 \ub300\uc138\uac00 \ub418\uc5b4, \uc740\ud589\ub4e4\uc774 \uc624\ub7ab\ub3d9\uc548 \ud1b5\uc81c\ud588\ub358 \uc601\uc5ed\uc5d0 \uc81c \uc0bc\uc790\uc758 \uc811\uadfc\uc774 \uac00\ub2a5\ud574\uc9c8 \uc218 \uc788\uac8c \ub418\uba74\uc11c \uace0\uac1d\uad00\uacc4\uc640 \ub370\uc774\ud130\uc5d0 \ub300\ud55c \uc740\ud589\uc758 \ud1b5\uc81c\ub825\uc744 \uc704\ud611\ud558\uace0 \uc788\ub2e4. \uae30\uc220\ub300\uae30\uc5c5\ub4e4\uc774 PSD2\ub97c \uc9c4\uc785\uc810\uc73c\ub85c \ubcf8\ub2e4\uba74 \uc774\ubbf8 \ud55c \ubc88\uc758 \ud30c\uad34\uc801 \ud601\uc2e0\uc758 \ubb3c\uacb0\uc744 \uacbd\ud5d8\ud588\ub358 \ubd84\uc57c-\ud540\ud14c\ud06c-\uac00 \ub610 \ud55c\ubc88\uc758 \ud30c\uad34\uc801 \ud601\uc2e0\uc744 \uacbd\ud5d8\ud560 \uc218\ub3c4 \uc788\ub2e4.<\/p>\n<p>\u2022 \uc740\ud589\ub4e4\uc774 \ud604\uc7ac \uc2dc\ud589 \uc911\uc778 \uac1c\uc778\uc815\ubcf4\ubcf4\ud638\ubc95(GDPR: General Data Protection Regulation)\uc5d0 \uc758\ud558\uba74, \uc720\ub7fd \uc740\ud589\ub4e4\uc740 \uace0\uac1d\uacfc \uc9c1\uc6d0 \ub370\uc774\ud130\ub97c \ubcf4\ud638\ud558\uae30 \uc704\ud55c \ud655\uc2e4\ud55c \ud504\ub85c\uc138\uc2a4\ub97c \ud655\ub9bd\ud558\uace0 \ub370\uc774\ud130 \uc720\ucd9c\uc2dc \uc774\ub97c \uacf5\uac1c\ud574\uc57c \ud55c\ub2e4. GDPR\uc774 \uc740\ud589\ub4e4\uc5d0\uac8c \uc8fc\ub294 \ubd80\ub2f4\uc740 \ub514\uc9c0\ud138\ud654\uac00 \uac00\uc18d\ud654\ub418\uba74\uc11c \ub354\uc6b1 \uac00\uc911\ub420 \uac83\uc774\ub2e4. \uc810\ucc28 \ub298\uc5b4\ub098\ub294 \uace0\uac1d \ubc0f \ub0b4\ubd80 \uac70\ub798 \uc815\ubcf4\ub97c \ubcf4\ud638\ud558\uae30 \uc704\ud574 \uc885\ud569\uc801\uc778 \ub300\ucc45\uc774 \ud544\uc218\uc801\uc774\ub2e4. \ud76c\uc18c\uc2dd\uc774\ub77c\uba74 \uac1c\uc778 \uae08\uc735\uc815\ubcf4\ub97c \ubcf4\uc720\ud55c \uae30\uad00\ub4e4 \uc911 \uc740\ud589\uc774 \uac00\uc7a5 \uc2e0\ub8b0\ubc1b\ub294 \uadf8\ub8f9\uc5d0 \uc18d\ud574 \uc788\ub2e4\ub294 \uc810\uc774\ub2e4. 2017\ub144BCG \uc870\uc0ac\uc5d0 \ub530\ub974\uba74, \uc911\uad6d\uc744 \uc81c\uc678\ud55c \ubaa8\ub4e0 \uad6d\uac00\uc5d0\uc11c \uc18c\ube44\uc790\ub4e4\uc740 \uadf8\ub4e4\uc758 \uac1c\uc778 \uae08\uc735\uc815\ubcf4\ub97c \ube44\uc740\ud589\uae30\uad00\uacfc \uacf5\uc720\ud558\ub294 \uac83\uc744 \uaebc\ub824\ud558\ub294 \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\ub2e4.<\/p>\n<hr \/>\n<p><strong>\uc774\ub860\uc758 \uc5ec\uc9c0\uac00 \uc5c6\ub294 \ud55c \uac00\uc9c0\ub294, <\/strong><br \/>\n<strong>\uace0\uac1d\uc740 \uc808\ub300 \uc6b0\uc120\uc21c\uc704\uc5d0\uc11c \ubc00\ub824\uc11c\ub294 \uc548 \ub41c\ub2e4\ub294 \uac83\uc774\ub2e4.<\/strong><\/p>\n<hr \/>\n<p>\uc800\uae08\ub9ac, \uacbd\uc7c1\uc2ec\ud654, \uaddc\uc81c\uac15\ud654\ub294 \ub9ce\uc740 \uc131\uc219 \uc740\ud589\uc2dc\uc7a5\uc5d0\uc11c \uc911\uc694\ud55c \ub2e8\uae30\uacfc\uc81c\uc774\ub2e4. \uc18c\ub9e4\uc740\ud589\uc740 \uc774 \uacfc\uc81c\ub4e4\uc744 \ud574\uacb0\ud558\uae30 \uc704\ud574 \ub178\ub825\ud558\uba74\uc11c \uacc4\uc18d\ud574\uc11c \uacbd\uc7c1\ub825\uc744 \uc783\uc9c0 \uc54a\uae30 \uc704\ud574 \uc5ed\ub7c9\uacfc \uc11c\ube44\uc2a4\uc5d0 \ud22c\uc790\ub97c \uc9c0\uc18d\ud574\uc57c \ud55c\ub2e4. \ub2e8\uae30\ubaa9\ud45c\uc640 \uc7a5\uae30 \ubaa9\ud45c\uac00 \uc55e\uc73c\ub85c \uba87 \ub144 \uac04 \uc885\uc885 \uc0c1\ucda9\ub420 \uac00\ub2a5\uc131\uc774 \uc788\uc73c\uba70, \uc740\ud589\ub9c8\ub2e4 \uac10\uc218\ud574\uc57c \ud558\ub294 \ud2b8\ub808\uc774\ub4dc\uc624\ud504\ub97c \ud30c\uc545\ud574\uc57c \ud55c\ub2e4. \uc774\ub860\uc758 \uc5ec\uc9c0\uac00 \uc5c6\ub294 \ud55c \uac00\uc9c0\ub294, \uace0\uac1d\uc740 \uc808\ub300 \uc6b0\uc120\uc21c\uc704\uc5d0\uc11c \ubc00\ub824\uc11c\ub294 \uc548 \ub41c\ub2e4\ub294 \uac83\uc774\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-size: 18pt;\"><strong>\uc2e4\uc801 \ud3b8\ucc28 \ud655\ub300<\/strong><\/span><\/h3>\n<p>BCG\uc758 REBEX(Retail Banking Excellence Benchmark)- \uc218 \ubc31 \uac1c\uc758 \uc9c0\ud45c\uc5d0 \ub300\ud55c \uc5f0\uac04 \uc740\ud589\ube44\uad50\ubd84\uc11d- \uc5d0 \ub530\ub974\uba74 \ubaa8\ub4e0 \uc18c\ub9e4\uc740\ud589\ub4e4\uc774 \ud604\uc7ac\uc758 \ub3c4\uc804\uacfc\uc81c\uc5d0 \uc131\uacf5\uc801\uc73c\ub85c \ub300\uc751\ud558\uace0 \uc788\ub294 \uac83\uc740 \uc544\ub2c8\ub2e4. \uc2e4\uc81c\ub85c, \ucd5c\uc0c1\uc704, 1\uc0ac\ubd84\uc704 \uc740\ud589\ub4e4\uc758 \uc601\uc5c5\uc774\uc775\uacbd\ube44\uc728\uc740 \uc9c0\ub09c 3\ub144\uac04 13%\uc758 \uc5f0\ud3c9\uade0\uc131\uc7a5\ub960\ub85c \uc0c1\uc2b9\ud558\uace0 \uc788\ub2e4. (\ubcf4\uae30 4 \ucc38\uc870.) \ucd5c\uc0c1\uc704 \uc0ac\ubd84\uc704 \ubc0f \ucd5c\ud558\uc704 \uc0ac\ubd84\uc704 \uae30\uc5c5\ub4e4\uc758 \uaca9\ucc28\ub294 2016\ub144 38%\uc5d0\uc11c, \uc791\ub144 41%\uae4c\uc9c0 \ud655\ub300\ub410\ub2e4. (\u2018REBEX \uc0ac\ubd84\uc704\uac00 \uc758\ubbf8\ud558\ub294 \uac83\u2019 \ucc38\uc870.)<\/p>\n<p>\uc774\ub807\ub4ef \uc2e4\uc801\uc774 \ub2e4\ub974\uac8c \ub098\ud0c0\ub098\ub294 \uac83\uc740 \uc77c\uc815 \ubd80\ubd84 \uc9c0\uc5ed\ubcc4\ub85c \ub3c5\ud2b9\ud55c \ud658\uacbd \ub54c\ubb38\uc774\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc911\uac04\uc218\uc900 \uc740\ud589\uc758 \ud3c9\uade0\ub9c8\uc9c4\uc740 REBEX\uc758KPI(\ud575\uc2ec\uc131\uacfc\uc9c0\ud45c)\uc5d0 \ub530\ub974\uba74, \ubd81\ubbf8\uc9c0\uc5ed\uc774 \ub2e4\ub978 \uc9c0\uc5ed\uc5d0 \ube44\ud574 \uc57d 50%\ub354 \ub192\ub2e4. \uc774\ub294 \ubd81\ubbf8\uc9c0\uc5ed \uc740\ud589\uc774 \ub2e4\ub978 \uc9c0\uc5ed\uacfc\ub294 \ub2e4\ub978 \ub9e4\ucd9c\uad6c\uc870\ub97c \uac16\uace0 \uc788\uc74c\uc744 \ubc18\uc601\ud55c\ub2e4. \ubd81\ubbf8\uc9c0\uc5ed\uc5d0\uc11c\ub294 \uc218\uc218\ub8cc \uc728\uc774 \ub354 \ub192\uace0 \uae08\ub9ac\ub9c8\uc9c4\uc774 \ub354 \ub192\uc73c\uba70 \uc790\uae08\uc6d0\uac00\uad6c\uc870 \ub610\ud55c \ub2e4\ub974\ub2e4. \ubfd0\ub9cc \uc544\ub2c8\ub77c, \uae08\ub9ac\uc0c1\uc2b9\uc73c\ub85c \uc778\ud574 \uc774 \uc740\ud589\ub4e4\uc758 \uc18c\ub9e4\ub9e4\ucd9c\uc774 \ub298\uc5b4\ub098 \ubcf4\uace0\ub41c \uc18c\ub9e4\ub9e4\ucd9c\ubcf4\ub2e4 3%\uc5d0\uc11c 5%\uac00 \uc99d\uac00\ud588\ub2e4. \uc774\ub294, \uc138\ubc95\uc774 \uae30\uc5c5\uce5c\ud654\uc801\uc73c\ub85c \uac1c\uc815\ub41c \uac83\uacfc \ub354\ubd88\uc5b4, 2017\ub144 \ubbf8\uad6d \uc740\ud589\uc8fc\uac00\uac00 \uae09\ub4f1\ud558\ub294\ub370 \uae30\uc5ec\ud588\ub2e4.<\/p>\n<p>\ube44\uc6a9\uad6c\uc870\uc640 \ud6a8\uc728\uc131 \uc218\uc900 \uc5ed\uc2dc \uc5b4\ub290 \uc815\ub3c4 \uc9c0\uc5ed\uc801\uc778 \uc694\uc18c\ub97c \uac16\uace0 \uc788\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc800\uae08\ub9ac\uae30\uc870\ub97c \ud0c0\uac1c\ud558\uace0 \ub9ce\uc740 \uc218\uc758 \uace0\ub9ac\uc2a4\ud06c \ub300\ucd9c\ub85c \uc778\ud55c \uc704\ud5d8\uc694\uc18c\ub97c \uad00\ub9ac\ud558\uae30 \uc704\ud55c \ub178\ub825\uc758 \uc77c\ud658\uc73c\ub85c, \uc77c\ubd80 \uc720\ub7fd \uc740\ud589\ub4e4\uc740 \ube44\uc6a9\uc808\uac10\ud504\ub85c\uadf8\ub7a8\uc5d0 \ub300\ud3ed \ud22c\uc790\ub97c \uac10\ud589\ud588\ub2e4. \uc774 \ub355\ubd84\uc5d0 \ub2e4\ub978 \uc9c0\uc5ed\uc758 \uc740\ud589\ubcf4\ub2e4 \ud3c9\uade0 \uc6b4\uc601\ud6a8\uc728\uc131 \uc218\uc900\uc774 \ub354 \ub192\uc558\ub2e4. \ubc31\uc624\ud53c\uc2a4 \uc9c1\uc6d0 1\uba85(FTE\uae30\uc900)\ub2f9 \uace0\uac1d \uc218\ub294 \uc57d 2500\uba85\uc774\uc5c8\ub2e4. \ud558\uc9c0\ub9cc\uc774\ub7f0 \ube44\uc6a9\uc808\uac10 \ud504\ub85c\uadf8\ub7a8\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0, \uae00\ub85c\ubc8c \uc6b4\uc601\ube44\uc6a9\uc740 \uc720\ub7fd \uc77c\ubd80 \uc9c0\uc5ed \uc740\ud589\uc5d0\uc11c \uc5ec\uc804\ud788 \ub192\uc740 \uc218\uc900\uc774\ub2e4. \ud604\uc9c0 \ub178\ub3d9\ubc95\uc744 \uc900\uc218\ud558\uac70\ub098 \uc0ac\ud68c\uc801 \ucc45\uc784\uc744 \ub2e4\ud558\uae30 \uc704\ud574 \uace0\uc6a9\uc744 \uc720\uc9c0\ud574\uc57c \ud560 \ubfd0\ub9cc \uc544\ub2c8\ub77c, \ub808\uac70\uc2dc IT \uc2dc\uc2a4\ud15c\uc744 \ud574\uccb4\ud574\uc57c \ud558\ub294 \uc5b4\ub824\uc6c0 \ub54c\ubb38\uc774\ub2e4.<\/p>\n<p><strong>\ubcf4\uae30 4.<\/strong> \ucd5c\uace0\uc2e4\uc801\uc758 \uc740\ud589\ub4e4\uc740 \ud6a8\uc728\uc131 \uc6b0\uc704\uac00 \ud06c\ub2e4<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-678 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7984.png\" alt=\"\" width=\"785\" height=\"555\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7984.png 785w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7984-300x212.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7984-768x543.png 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7984-696x492.png 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7984-594x420.png 594w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7984-100x70.png 100w\" sizes=\"auto, (max-width: 785px) 100vw, 785px\" \/><\/p>\n<p>\ub610 \ub2e4\ub978 \uc9c0\uc5ed\uc801 \ucc28\uc774\ub294 \uc740\ud589 \uace0\uac1d\ub4e4\uc758 \ub514\uc9c0\ud138 \uce5c\uc219\ub3c4\uac00 \ub2e4\uc591\ud558\uac8c \ub098\ud0c0\ub098\ub294 \uac83\uacfc \uad00\ub828\uc774 \uc788\ub2e4. 16\uac1c\uad6d\uc758 \uace0\uac1d\uc5d0 \ub300\ud55c REBEX \uc870\uc0ac\uc5d0 \ub530\ub974\uba74, \uc774 \uae30\uc900\uc5d0 \uc788\uc5b4 \uaca9\ucc28\uac00 \uc0c1\ub2f9\ud55c \uac83\uc73c\ub85c \ub4dc\ub7ec\ub0ac\ub2e4. \uae30\uc220\uc801\uc73c\ub85c \ubc1c\uc804\ud55c \uc9c0\uc5ed\uc5d0\uc11c\ub294 \uc751\ub2f5\uc790\uc758 4\ubd84\uc758 3 \uc774\uc0c1\uc774 \u2018\uc8fc\ub85c \ub514\uc9c0\ud138 \uac70\ub798\ub97c \ud568\u2019 \uce74\ud14c\uace0\ub9ac\uc5d0 \uc18d\ud588\uc9c0\ub9cc, \uae30\uc220 \ubc1c\uc804\uc774 \uac00\uc7a5 \ub4a4\uccd0\uc9c4 \uc9c0\uc5ed\uc5d0\uc11c\ub294 \uc774 \uce74\ud14c\uace0\ub9ac\uc5d0 \ud574\ub2f9\ub418\ub294 \uc751\ub2f5\uc790\uc758 \ube44\uc728\uc774 \uaca8\uc6b0 10%\uc5d0 \ubd88\uacfc\ud588\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-size: 18pt;\"><strong>REBEX \uc0ac\ubd84\uc704\uac00 \uc758\ubbf8\ud558\ub294 \uac83<\/strong><\/span><\/h3>\n<p>REBEX\ub294 \uac01 KPI \ubcc4\ub85c 1,2,3 \uc0ac\ubd84\uc704\uc5d0 \uc18d\ud55c \uc740\ud589\ub4e4\uc744 \ud3c9\uac00\ud55c\ub2e4.<\/p>\n<p>1\uc0ac\ubd84\uc704\uc218(Q1)\uc740 25\ud37c\uc13c\ud0c0\uc77c\uc5d0 \uc788\ub294 \ud55c \uac1c \uc740\ud589\uc758 \ub370\uc774\ud130\ub97c \ubc18\uc601\ud558\uace0, 2\uc0ac\ubd84\uc704\uc218(Q2), \uc911\uac04\uac12\uc740 50\ud37c\uc13c\ud0c0\uc77c\uc5d0 \uc788\ub294 \ud55c \uac1c \uc740\ud589\uc758 \ub370\uc774\ud130\ub97c \ubc18\uc601\ud558\uba70, 3\uc0ac\ubd84\uc704\uc218(Q3)\ub294 75\ud37c\uc13c\ud0c0\uc77c\uc5d0 \uc788\ub294 \ud55c \uac1c \uc740\ud589\uc758 \ub370\uc774\ud130\ub97c \ubc18\uc601\ud55c\ub2e4. \ub9ce\uc740 \uc740\ud589\ub4e4\uc774 REBEX\uc758 100\uac1c \uc774\uc0c1\uc758 KPI\uc5d0 \ub300\ud574 \uac01\uae30 \ub2e4\ub978 \uc21c\uc704\uac00 \ub9e4\uaca8\uc9c0\uba70, \uc5b4\ub5a4 \uc9c0\ud45c\uc5d0\uc11c\ub294 \ucd5c\uace0\uc131\uc801\uc744 \ubcf4\uc778 \uc740\ud589\uc774 \ub2e4\ub978 \uc9c0\ud45c\ub97c \uae30\uc900\uc73c\ub85c\ub294 \uc911\uac04\uc774\ub098 \ucd5c\ud558\uc704 \uc131\uc801\uc744 \ubcf4\uc774\uae30\ub3c4 \ud55c\ub2e4.<\/p>\n<p>\ub124\ub35c\ub780\ub4dc\ub294 \uc870\uc0ac\ub300\uc0c1 \uad6d\uac00 \uc911 \ucd5c\uc0c1\uc704\ub85c, \ub124\ub35c\ub780\ub4dc \uc751\ub2f5\uc790\ub4e4\uc758 76%\uac00 \uc2a4\uc2a4\ub85c\ub97c \uc8fc\ub85c \ub514\uc9c0\ud138 \ubc45\ud0b9\uc744 \uc774\uc6a9\ud558\ub294 \uace0\uac1d\uc73c\ub85c \uac04\uc8fc\ud588\ub2e4. \ubca8\uae30\uc5d0\uc640 \ud638\uc8fc\uac00 \uac01\uac01 56%\uc640 55%\ub85c \uadf8 \ub2e4\uc74c \uc21c\uc704\uc600\uc73c\uba70, \uc624\uc2a4\ud2b8\ub9ac\uc544(51%), \ub3c5\uc77c(50%), \uc601\uad6d(47%), \ud504\ub791\uc2a4(46%)\uc774 \uadf8 \ub4a4\ub97c \uc774\uc5c8\ub2e4. \uce90\ub098\ub2e4\uc640 \ubbf8\uad6d\uc740 \uc2a4\uc2a4\ub85c\ub97c \uc8fc\ub85c \ub514\uc9c0\ud138 \ubc45\ud0b9\uc744 \uc774\uc6a9\ud558\ub294 \uace0\uac1d\uc774\ub77c\uace0 \uc124\uba85\ud55c \uc0ac\ub78c\uc758 \ube44\uc728\uc774 \uac01\uac01 41%\uc640 34%\ub85c \uadf8 \ub2e4\uc74c\uc774\uc5c8\ub2e4. \uc21c\uc704\uc758 \ub9c8\uc9c0\ub9c9\uc5d0\ub294 \uc911\uad6d(15%)\uacfc \ucf5c\ub86c\ube44\uc544(11%)\uac00 \uc790\ub9ac\ud588\uc73c\uba70, \ub300\ubd80\ubd84\uc758 \uace0\uac1d\ub4e4\uc774 \uc2a4\uc2a4\ub85c\ub97c \ud63c\ud569\ud615\uc774\ub77c\uace0 \uc815\uc758\ud588\ub2e4.<\/p>\n<p>\uc774\ub7f0 \uc9c0\uc5ed\uc801 \ucc28\uc774\ub294 \uc740\ud589\uc758 \uc2e4\uc801\uacfc \ub514\uc9c0\ud138 \ubcc0\ud601 \uc804\ub7b5\uc774 \uc5b4\ub290 \uc815\ub3c4 \uc2e4\ud604\ub410\ub294\uac00\ub97c \ud3c9\uac00\ud558\ub294 \ub370 \uc788\uc5b4\uc11c \uc5fc\ub450 \ud574\uc57c \ud558\ub294 \uc911\uc694\ud55c \uc0ac\ud56d\uc774\ub2e4. \ud558\uc9c0\ub9cc, \uc9c0\uc5ed \ub0b4\uc5d0\uc11c\uc758 \uaca9\ucc28\uac00 \ub098\ud0c0\ub098\ub294 \uac83\uc740 \uc774 \ub0b4\uc6a9\uc5d0 \ub85c\uceec\uc801\uc778 \uce21\uba74\uc774 \uc788\uc74c\uc744 \uc758\ubbf8\ud558\uba70, \uae30\uc5c5\uc774 \uadf8\ub4e4\uc774 \uc9c1\uba74\ud55c \uac70\uc2dc\uacbd\uc81c \uc0c1\ud669\uc5d0 \uc5b4\ub5bb\uac8c \ub300\uc751\ud558\ub294 \uc9c0\uc640 \uace0\uac1d\ub4e4\uc758 \uae30\uc220 \ub2a5\uc219\ub3c4 \uc815\ub3c4\uc5d0 \ub530\ub77c \ub9ce\uc740 \uac83\uc774 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc74c\uc744 \uc2dc\uc0ac\ud55c\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-size: 18pt;\"><strong>\ub514\uc9c0\ud138 \ubcc0\ud601\uc758 \uc911\ubc18\uc5d0\uc11c<\/strong><\/span><\/h3>\n<p>\ub9ce\uc740 \uc18c\ub9e4 \uc740\ud589\uc758 \uc784\uc6d0\uc9c4\ub4e4\uc5d0\uac8c, \uac00\uc7a5 \uc911\uc694\ud55c \uc9c8\ubb38\uc740 \uadf8\ub4e4\uc758 \uc870\uc9c1\uc774 \uc9c1\uc811\uc801\uc778 \uacbd\uc7c1\uc0c1\ub300\ub4e4- \uac19\uc740 \uace0\uac1d\ub4e4\uc744 \ubaa9\ud45c\ub85c \ud558\uace0, \uac19\uc740 \uac70\ub9ac\uc5d0 \uc9c0\uc810\uc744 \uac16\uace0 \uc788\uace0, \uac19\uc740 \uaddc\uc81c\uc5d0 \ub530\ub77c \uc601\uc5c5\ud558\uace0 \uc788\ub294 \uc740\ud589\ub4e4-\uc5d0 \ube44\ud574 \uc5bc\ub9c8\ub098 \ud6a8\uc728\uc801\uc774\uace0 \ub514\uc9c0\ud138\ud654\ub418\uc5b4 \uc788\ub294\uac00 \uc774\ub2e4. REBEX \ub370\uc774\ud130\ub97c \ubcf4\uba74 \uc9c0\uc5ed \ub0b4 \uc2e4\uc801\uc5d0 \uc0c1\ub2f9\ud55c \ucc28\uc774\uac00 \uc788\uc74c\uc744 \uc54c \uc218 \uc788\uc73c\uba70, \uc774\ub7f0 \ucc28\uc774\uc810\uc758 \uc0c1\ub2f9\ubd80\ubd84\uc740 \uc740\ud589\ub4e4\uc774 \ub514\uc9c0\ud138 \ubcc0\ud601 \ucd94\uc9c4\uc5d0 \uc788\uc5b4 \uc800\ub9c8\ub2e4 \ub2e4\ub978 \ub2e8\uacc4\uc5d0 \uc788\uc74c\uc744 \uc758\ubbf8\ud55c\ub2e4.<\/p>\n<hr \/>\n<p><strong>\ucd5c\uc0c1\uc704 \uc0ac\ubd84\uc704 \uc740\ud589\uc5d0\uc11c<\/strong><br \/>\n<strong>\ubaa8\ub4e0 \uac70\ub798\uc758 5\ubd84\uc758 3 \uc774 <\/strong><br \/>\n<strong>\uc2a4\ub9c8\ud2b8\ud3f0\uc774\ub098 \ucef4\ud4e8\ud130\ub97c \ud1b5\ud574 \ub514\uc9c0\ud138\ub85c \uc774\ub8e8\uc5b4\uc9c0\uace0 \uc788\ub2e4.<\/strong><\/p>\n<hr \/>\n<p>\uc740\ud589\ub4e4\uc774 \ubcc0\ud601\uc758 \uc5ec\uc815\uc5d0\uc11c \uc5b4\ub514\ucbe4\uc5d0 \uc788\ub294\uc9c0\ub97c \uc598\uae30\ud560 \ub54c, \ub450 \uac00\uc9c0 \ubaa9\ud45c\ub97c \uae30\uc900\uc73c\ub85c \uc0dd\uac01\ud560 \ud544\uc694\uac00 \uc788\ub2e4. \uccab \ubc88\uc9f8 \ubaa9\ud45c\ub294 \ube44\uc6a9\ucc28\uc6d0\uc5d0\uc11c\uc758 \ub514\uc9c0\ud138\ud654, \uc989 \ub514\uc9c0\ud138 \uae30\uc220\uc744 \ud65c\uc6a9\ud574 \uc77c\uc0c1\uc801\uc778 \ube44\uc988\ub2c8\uc2a4 \ud65c\ub3d9\uc744 \ubaa8\ubc14\uc77c \uc571, \uc6f9\uc0ac\uc774\ud2b8 \uc30d\ubc29\ud5a5 \uc74c\uc131\uc751\ub2f5\uc2dc\uc2a4\ud15c \ub4f1 \uc800\ube44\uc6a9 \ucc44\ub110\uc774 \ucd94\uc9c4\ud558\ub3c4\ub85d \ud558\ub294 \ub4f1 \uc6b4\uc601\ud6a8\uc728\uc131\uc744 \ub192\uc774\ub294 \uac83\uc774\ub2e4. \ub450 \ubc88\uc9f8 \ubaa9\ud45c\ub294 \uac00\uce58\ucc28\uc6d0\uc5d0\uc11c\uc758 \ub514\uc9c0\ud138\ud654, \uc989 \ub514\uc9c0\ud138 \uae30\uc220\uc744 \uc0ac\uc6a9\ud574 \uace0\uac1d\ub4e4\uc5d0\uac8c \uadfc\ubcf8\uc801\uc73c\ub85c \ub354 \ub098\uc740 \uacbd\ud5d8\uc744 \ub9cc\ub4e4\uc5b4 \uc8fc\ub294 \uac83\uc774\ub2e4. \uc774\ub294 \ub610\ud55c \uace0\uac1d \ud55c \uba85 \ub2f9 \ud3c9\uade0 \ub9e4\ucd9c\uc561\uc758 \uc0c1\uc2b9\uacfc \uc804\uccb4 \uace0\uac1d\uae30\ubc18\uc5d0 \ub300\ud55c \uc720\uc9c0\uc728 \uc99d\uac00\ub85c \uc774\uc5b4\uc838, \uace0\uac1d\ubcc4 \ud3c9\uc0dd \ucc3d\ucd9c \uac00\ub2a5 \ub9e4\ucd9c\uc561\uc758 \uc0c1\uc2b9\uc73c\ub85c \ud574\uc11d\ub420 \uc218 \uc788\ub2e4.<\/p>\n<p>\uc77c\ub144 \uc804 \uac15\uc870\ud588\ub4ef\uc774, \ubc27\uc904\uc744 \ud480\uc9c0 \uc54a\uace0 \ub514\uc9c0\ud138 \ubbf8\ub798\ub97c \ud5a5\ud574 \ud56d\ud574\ub97c \uc2dc\uc791\ud558\ub294 \uac83\uc740 \uad49\uc7a5\ud788 \ub4dc\ubb38 \uc740\ud589\uc774\uc5c8\ub2e4. 5\uac74\uc758 \uace0\uac1d \uc778\ud130\ub799\uc158 \uc911 4\uac74\uc774 \uc774\uc81c \ub514\uc9c0\ud138\ub85c \uc774\ub8e8\uc5b4\uc9c0\uace0 \uc788\uc73c\uba70, REBEX \ub370\uc774\ud130\uc5d0 \ub530\ub974\uba74, \ucd5c\ud558\uc704 \uc0ac\ubd84\uc704 \uc740\ud589\ub4e4\uc774 \ucd5c\uc0c1\uc704 \uc0ac\ubd84\uc704\ub97c \ub530\ub77c\uc7a1\uae30 \uc704\ud574 \ub178\ub825\ud558\ub294 \ub4f1, \uc791\ub144\uc5d0 \ubaa8\ub4e0 \uc740\ud589\uc5d0\uc11c \uc9c4\uc804\uc774 \uc788\uc5c8\ub358 \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4. \ub9c8\ucc2c\uac00\uc9c0\ub85c, \ucd5c\uc0c1\uc704 \uc0ac\ubd84\uc704 \uc740\ud589\uc5d0\uc11c\ub294 \uc774\uc81c 5\uac74\uc758 \uac70\ub798 -\uc608\uae08, \uc774\uccb4, \ud639\uc740 \ub300\ucd9c\uc0c1\ud658- \uc911 3 \uac74\uc774 \uc2a4\ub9c8\ud2b8\ud3f0\uc774\ub098 \ucef4\ud4e8\ud130\ub97c \ud1b5\ud574 \ub514\uc9c0\ud138\ub85c \uc774\ub8e8\uc5b4\uc9c0\uace0 \uc788\ub2e4. \uc774\ub7f0 \ud2b8\ub80c\ub4dc\ub85c \uc778\ud574 \uc740\ud589\uc740 \ub354 \uc801\uc740 \uc218\uc758 \uc9c0\uc810 \uc9c1\uc6d0\ub4e4\uacfc \ubc31\uc624\ud53c\uc2a4 \uc9c1\uc6d0\uc73c\ub85c\ub3c4 \uc6b4\uc601\uc774 \uac00\ub2a5\ud574\uc9c4\ub2e4. \ube44\uc6a9\uc744 \uc704\ud55c \ub514\uc9c0\ud138\ud654\uc5d0\uc11c \uc0c1\ub2f9\ud55c \uc9c4\uc804\uc744 \uc774\ub8e8\uc5b4\ub0b8 \uac83\uc774\ub2e4.<\/p>\n<p>\ub9e4\ucd9c \uce21\uba74\uc5d0\uc11c\ub294 \uc774\uc57c\uae30\uac00 \uc880 \ub2e4\ub974\ub2e4. \uc740\ud589\ub4e4\uc740 \uc5ec\uc804\ud788 \uc0c8\ub85c\uc6b4 \uc811\uc810(\uc2a4\ub9c8\ud2b8\ud3f0 \uc571)\uc744 \ub514\uc9c0\ud138 \ub9e4\ucd9c\ub85c \uc804\ud658\ud558\uae30 \uc704\ud574 \uace0\uad70\ubd84\ud22c\ud558\uace0 \uc788\ub2e4. \ucd5c\uc0c1\uc704 \uc0ac\ubd84\uc704 \uc740\ud589 \ub9e4\ucd9c\uc758 \uc57d 34%\uac00 \ub514\uc9c0\ud138\uc778\ub370, \uc774\ub294 \uc804\ub144\ub3c4 REBEX \uc5f0\uad6c\uc790\ub8cc\uc758 \uc218\uce58\uc5d0\uc11c \uc2e4\uc9c8\uc801\uc73c\ub85c \ubcc0\ud568\uc774 \uc5c6\ub2e4. \ucd5c\ud558\uc704 \uc0ac\ubd84\uc704 \uc740\ud589\ub4e4\uc758 \uacbd\uc6b0\uc5d0\ub294, \ub514\uc9c0\ud138 \ub9e4\ucd9c\uc774 \uc804\uccb4 \ub9e4\ucd9c\uc5d0\uc11c \ucc28\uc9c0\ud558\ub294 \ube44\uc911\uc774 \uaca8\uc6b0 10%\uc5d0 \ubd88\uacfc\ud558\ub2e4.<\/p>\n<p>\ub514\uc9c0\ud138 \ucc44\ub110\uc744 \ud1b5\ud574 \ub9e4\ucd9c\uc744 \uc99d\ub300\ud558\uae30 \uc704\ud55c \ub178\ub825\uc758 \uc77c\ud658\uc73c\ub85c, \uae30\uc874 \uc740\ud589\ub4e4\uc740 \uc0dd\ud0dc\uacc4 \uc811\uadfc\ubc95\uc744 \uc810\uc810 \ub354 \ub9ce\uc774 \ub3c4\uc785\ud558\uace0, \ud540\ud14c\ud06c\uc5d0 \ud22c\uc790\ud558\uba74\uc11c, \uc774\ub7f0 \uae30\uc5c5\ub4e4\uc744 \ud601\uc2e0\uacfc \uace0\uac1d\uc720\uce58\uc758 \ubc29\ucc45\uc73c\ub85c \uc5ec\uae30\uace0 \uc788\ub2e4. \ud55c \uc608\ub85c, BCG \ud540\ud14c\ud06c \uc815\ubcf4 \ub370\uc774\ud130\ubca0\uc774\uc2a4\uc778 BCG \ud540\ud14c\ud06c \ucee8\ud2b8\ub864\ud0c0\uc6cc(BCG FinTech Control Tower) \uc5d0 \uc758\ud558\uba74, \uc791\ub144\uc5d0 \uae30\uc874\uc740\ud589\ub4e4\uc740 \uc18c\ub9e4\uc740\ud589 \uc2a4\ud0c0\ud2b8\uc5c5 \ud380\ub529 \ub77c\uc6b4\ub4dc\uc758 71%\uc5d0 \ucc38\uc5ec\ud588\ub2e4. \uc9c0\ub09c 2013\ub144, \uc740\ud589\uc774 \ud540\ud14c\ud06c\ub97c \uc704\ud611\uc73c\ub85c \uac04\uc8fc\ud558\uace0 \uc788\uc5c8\uc744 \ub54c\uc5d0\ub294 \uc774\ub7f0 \ud380\ub529 \ub77c\uc6b4\ub4dc\uc5d0 \uae30\uc874\uae30\uc5c5\uc774 \ud3ec\ud568\ub418\ub294 \uacbd\uc6b0\ub294 5\uac1c \uc911 1\uac1c\ub3c4 \ub418\uc9c0 \uc54a\uc558\uc5c8\ub2e4.<\/p>\n<p>\uc77c\ubd80 \uc18c\ub9e4\uc740\ud589\ub4e4\uc740 \ud540\ud14c\ud06c\uc640 \uc601\uc5c5 \uc81c\ud734\ub97c \ub9fa\uace0, \uc774\ub97c \uc18c\ube44\uc790 \ub300\ucd9c\ucc98\ub7fc \uae09\uc18d\ud788 \uc131\uc7a5\ud558\ub294 \ubd84\uc57c\uc5d0\uc11c \uc2dc\uc7a5\uc810\uc720\uc728\uc6b8 \ud655\ubcf4\ud558\uae30 \uc704\ud55c \ubc29\uc2dd\uc73c\ub85c \ubcf4\uace0 \uc788\ub2e4. \uc774\uac83\uc740 \ubbf8\uad6d\uc758 \uacbd\uc6b0 \ud655\uc2e4\ud788 \ub9de\ub294 \ub9d0\uc774\ub2e4. \ud558\uc9c0\ub9cc \ubbf8\uad6d\ubfd0 \uc544\ub2c8\ub77c \ub2e4\ub978 \uc9c0\uc5ed\uc5d0\uc11c \uc740\ud589\uc774 \ud540\ud14c\ud06c\uc5d0 \ud22c\uc790\ud558\ub294 \uac83\uc740 \ubcf4\ub2e4 \uc804\ub7b5\uc801\uc778 \uce21\uba74\uc774 \ubd84\uba85\ud788 \uc874\uc7ac\ud55c\ub2e4. \uc740\ud589\ub4e4\uc740 \ud540\ud14c\ud06c\uc5d0 \ud22c\uc790\ud558\ub294 \uac83\uc774 \uc608\uc804\ubc29\uc2dd\uc744 \uace0\uc218\ud558\ub294 \uacbd\uc7c1\uc790\ub4e4\uc744 \uc55e\uc9c0\ub974\ub294\ub370 \ub3c4\uc6c0\uc774 \ub420 \uac83\uc774\ub77c\uace0 \uc0dd\uac01\ud55c\ub2e4. \ub610\ud55c \uc774 \ud540\ud14c\ud06c\uc640\uc758 \uad00\uacc4\uac00 \uc740\ud589\uc758 \ud601\uc2e0\uc5ed\ub7c9\uac15\ud654\ub97c \uac00\uc18d\ud654\uc2dc\ud0a4\uace0 \ub450 \ubc88\uc9f8 \ud30c\uad34\uc801 \ud601\uc2e0\uc758 \ubb3c\uacb0\uc5d0 \ub300\ube44\ud558\ub294 \ub370\uc5d0\ub3c4 \uc720\uc6a9\ud558\ub2e4\uace0 \ubcf4\uace0 \uc788\ub2e4. \ud30c\uad34\uc801 \ud601\uc2e0\uc740 \uc774\ubbf8 \uc77c\ubd80 \ucd08\uae30 \ubc45\ud0b9 \uc11c\ube44\uc2a4\ub97c \uc2dc\uc791\ud558\uace0 \ub354 \ub9ce\uc740 \uc11c\ube44\uc2a4\ub97c \uc900\ube44\uc911\uc778 \uc544\ub9c8\uc874(Amazon), \uc560\ud50c(Apple), \uad6c\uae00(Google)\uacfc \uac19\uc740 \ub514\uc9c0\ud138 \ub124\uc774\ud2f0\ube0c \uae30\uc5c5\uc5d0\uc11c\ubd80\ud130 \uc2dc\uc791\ub420 \uc218\ub3c4 \uc788\ub2e4.<\/p>\n<p>\uc774 \ud50c\ub7ab\ud3fc \ube44\uc988\ub2c8\uc2a4- \uc18c\uc704, \uae30\uc874\uc5d0 \ud588\ub358 \uac83\uc744 \uacc4\uc18d\ud574\uc11c \ubc1c\uc804\uc2dc\ud0a4\uace0 \uc0c8\ub85c\uc6b4 \uc11c\ube44\uc2a4\ub97c \ubd80\uac00\ud558\ub294 \ub2a5\ub825 \ub54c\ubb38\uc5d0-\ub294 \uc740\ud589 \ube0c\ub79c\ub4dc\ub97c \ud0c8\uc911\uac1c\ud654 \ud558\uace0 \uae08\uc735\uc0b0\uc5c5\uc758 \uacbd\uc7c1\uad6c\ub3c4\ub97c \uc7ac\ud3b8\ud560 \uc218\ub3c4 \uc788\ub2e4. \ud558\uc9c0\ub9cc \uc704\ud611\ubfd0\ub9cc \uc544\ub2c8\ub77c \uae30\ud68c\ub3c4 \uc788\uc74c\uc744 \uae30\uc5b5\ud574\uc57c \ud55c\ub2e4. \ud50c\ub7ab\ud3fc \uae30\uc5c5\ub4e4\ucc98\ub7fc, \uc740\ud589\ub3c4 \ub370\uc774\ud130\uc640 \ubd84\uc11d\uae30\uc220\uc744 \uc801\uc6a9\ud574 \uc81c\uc548\uac00\ub2a5 \uc0c1\ud488\uc744 \ud655\ub300\ud558\uace0, \ube60\ub974\uac8c \ud559\uc2b5\ud574, \uace0\uac1d\ucc38\uc5ec\ub97c \ubcf4\ub2e4 \ud6a8\uacfc\uc801\uc73c\ub85c \ucd94\uc9c4\ud558\uba74\uc11c, \uc0dd\ud0dc\uacc4 \uc870\uc815\uc790\uac00 \ub420 \uc218 \uc788\ub2e4. \ub9ce\uc740 \uc740\ud589\ub4e4\uc774 \uc774\ub97c \uc6d0\ud558\uc9c0\ub9cc, \uc774\ub860\uc744 \uc2e4\ucc9c\uc5d0 \uc62e\uae30\uace0, \ub514\uc9c0\ud138 \ud601\uc2e0\uc744 \ub300\uaddc\ubaa8\ub85c \ucd94\uc9c4\ud558\ub294 \uac83\uc5d0 \uc5b4\ub824\uc6c0\uc744 \ud638\uc18c\ud558\uace0 \uc788\ub2e4. \uc774\ub7f0 \ud55c\uacc4\ub97c \ub6f0\uc5b4\ub118\uae30 \uc704\ud574, \uc740\ud589\uc740 \uc9c4\ud654\ud558\uae30 \uc704\ud574 \ub354\uc6b1 \uc801\uadf9\uc801\uc73c\ub85c \ub178\ub825\ud558\uba70 \ub514\uc9c0\ud138 \ud559\uc2b5\uc2dc\uc2a4\ud15c\uc744 \uad6c\ucd95\ud574\uc57c \ud560 \uac83\uc774\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-size: 18pt;\"><strong>\uc9c4\uc804\uc758 \uc2e0\ud638<\/strong><\/span><\/h3>\n<p>REBEX \uc9c0\ud45c\ub4e4, \uc740\ud589\uacfc\uc758 \uba74\ub2f4, \uc11c\ubca0\uc774 \uc5f0\uad6c\uacb0\uacfc\ub97c \ud1a0\ub300\ub85c \ubcf4\uba74, \uc740\ud589\ub4e4\uc774 \ub514\uc9c0\ud138 \ubcc0\ud658 \ub178\ub825\uc5d0 \uc788\uc5b4 \uc808\ubc18 \uc815\ub3c4 \uc640 \uc788\ub2e4\uace0 \uc2a4\uc2a4\ub85c \ud3c9\uac00\ud568\uc744 \uc54c \uc218 \uc788\ub2e4. \uc2e4\uc81c\ub85c \uc740\ud589\ub4e4\uc740 \ub2e4\uc591\ud55c \uc601\uc5ed\uc5d0 \ub514\uc9c0\ud138 \ucc44\ub110\uc744 \ubc30\uce58\ud558\uace0 \uc788\uace0 \uc0dd\ud0dc\uacc4 \ubaa8\ub378\uc744 \uc2dc\ud5d8\ud558\uace0 \uc788\uc73c\uba70 \uc5d0\uc790\uc77c \uc18c\ud504\ud2b8\uc6e8\uc5b4 \uac1c\ubc1c \ubc29\ubc95\uc744 \uc0ac\uc6a9\ud558\uae30 \uc2dc\uc791\ud558\ub294 \ub4f1\uc758 \ub178\ub825\uc744 \ud1b5\ud574 \uc2a4\uc2a4\ub85c \uace0\ud488\uc9c8 \ub514\uc9c0\ud138 \uc11c\ube44\uc2a4\ub97c \ub354\uc6b1 \uc2e0\uc18d\ud558\uac8c \uc81c\uacf5\ud560 \uc218 \uc788\ub294 \uc900\ube44\ub97c \uac16\ucd94\uace0 \uc788\ub2e4. \ud558\uc9c0\ub9cc \ub300\ubd80\ubd84\uc758 \ub2e4\ub978 \ub514\uc9c0\ud138 \ub178\ub825-\uace0\uae09 \ubd84\uc11d\uae30\uc220, \ub370\uc774\ud130 \uc544\ud0a4\ud14d\ucc98, \ub85c\ubd07\uacf5\ud559 \ub4f1\uc758 \ubd84\uc57c\uc5d0\uc11c-\uc740 \uc5ec\uc804\ud788 \ud30c\uc77c\ub7ff \ub2e8\uacc4\uc5d0 \uba38\ubb3c\ub7ec \uc788\ub2e4. (\ubcf4\uae30 5 \ucc38\uc870.)<\/p>\n<p>\uac04\ub2e8\ud788 \ub9d0\ud574\uc11c, \ud22c\uc790\uc790\ub4e4\uc740 \uc5ec\uc804\ud788 \uc18c\ub9e4\uc740\ud589\ub4e4\uc774 \ub514\uc9c0\ud138 \uc804\ud658\ub178\ub825\uc758 \ud6a8\uacfc\uac00 \ud655\uc2e4\ud558\uac8c \ub4dc\ub7ec\ub098\uae30\ub97c \uae30\ub2e4\ub9ac\uace0 \uc788\ub2e4. \uac00\uc7a5 \ucd5c\uadfc 2016\ub144\ub9cc \ud558\ub354\ub77c\ub3c4, REBEX\ub294 \ub514\uc9c0\ud138 \ud504\ub860\ud2b8\uc624\ud53c\uc2a4 \uc5ed\ub7c9\uacfc \ubc31\uc624\ud53c\uc2a4 \ud6a8\uc728\uc131 \uac04\uc5d0 \uba85\ud655\ud55c \uc0c1\uad00\uad00\uacc4\ub294 \uc5c6\uc74c\uc744 \ubcf4\uc5ec\uc92c\ub2e4. \ud558\uc9c0\ub9cc \uc774\uc81c \uc0c1\ud669\uc774 \ubc14\ub00c\uace0 \uc788\ub2e4. REBEX\uc758 \ub514\uc9c0\ud138 \uc120\ub3c4\uadf8\ub8f9- \ub192\uc740 \uc218\uc900\uc758 \ub514\uc9c0\ud138 \ucee4\ubba4\ub2c8\ucf00\uc774\uc158, \uc778\ud130\ub799\uc158, \uac70\ub798, \ubc0f \uc601\uc5c5\uc744 \ud558\ub294 BCG \ub370\uc774\ud130 \ubca0\uc774\uc2a4\uc758 \uc804\ud1b5\uc801\uc778 \uc740\ud589\ub4e4-\uc740 \uc9c0\uae08 \uac00\uc7a5 \ub514\uc9c0\ud138\uc801\uc73c\ub85c \ubc1c\uc804\ud558\uc9c0 \ubabb\ud55c \uc740\ud589\ub4e4\uc5d0 \ube44\ud574 \uc601\uc5c5\uc774\uc775\uacbd\ube44\uc728\uc774 10% \ud3ec\uc778\ud2b8 \ub354 \ub0ae\ub2e4. \ub514\uc9c0\ud138 \uc120\ub3c4\uadf8\ub8f9\uc740 \ud310\ub9e4\uc640 \uad00\ub828\ud55c \ub9ce\uc740 \ubd84\uc57c\uc5d0\uc11c\ub3c4 \ub354 \ub192\uc740 \uc0dd\uc0b0\uc131\uc744 \ubcf4\uc600\ub2e4. (\ubcf4\uae30 6 \ucc38\uc870.)<\/p>\n<p>\ub9ce\uc740 \ub514\uc9c0\ud138 \uc774\ub2c8\uc154\ud2f0\ube0c\ub4e4\uc774 \uc5ec\uc804\ud788 \ud30c\uc77c\ub7ff \ub2e8\uacc4\uc778 \uc0c1\ud669\uc5d0\uc11c, \uc774\ub97c \ub300\uaddc\ubaa8\ub85c \ud655\uc7a5\ud574\uc11c \uc2e4\ud589\ud588\uc744 \ub54c\uc758 \ud6a8\uacfc\ub97c \uc608\uce21\ud558\ub294 \uac83\uc740 \ubd88\uac00\ub2a5\ud558\ub2e4. \ud558\uc9c0\ub9cc, \ub514\uc9c0\ud138 \uc120\ub3c4\uadf8\ub8f9\uc740 \uadf8 \ud61c\ud0dd\uc774 \uc5b4\ub5a4 \uac83\uc77c\uc9c0\uc5d0 \ub300\ud55c \ub300\ub7b5\uc758 \uc608\uce21\uc744 \uac00\ub2a5\ud558\uac8c \ud574 \uc8fc\ub294\ub370, \uc774\ub294 \uc774 \ud45c\ubcf8\uc758 \uc644\uc804\ud55c \ub514\uc9c0\ud138 \uc740\ud589\ub4e4\ub3c4 \ub9c8\ucc2c\uac00\uc9c0\uc774\ub2e4. \uc644\uc804\ud55c \ub514\uc9c0\ud138 \uc740\ud589\ub4e4-\ubaa8\ub4e0 \ube44\uc988\ub2c8\uc2a4\ub97c \uc804\uc801\uc73c\ub85c \uc628\ub77c\uc778\uacfc \ubaa8\ubc14\uc77c \uae30\uae30\ub85c\ub9cc \uc9c4\ud589\ud558\ub294 \uc0c8\ub85c\uc6b4 \uc740\ud589\ub4e4-\uc740 FTE \uae30\uc900\uc73c\ub85c \uc9c1\uc6d0 1\uc778\ub2f9 \uace0\uac1d \uc218 \uce21\uba74\uc5d0\uc11c, \uc804\ud1b5\uc801\uc778 \uc740\ud589\ubcf4\ub2e4 \uc57d 50% \ub354 \ub192\uc740 \ud6a8\uc728\uc131\uc744 \ubcf4\uc778\ub2e4. \ub514\uc9c0\ud138 \uc804\uc6a9 \uc740\ud589\ub4e4\uc774 \ud310\ub9e4\ud558\ub294 \uc0c1\ub300\uc801\uc73c\ub85c \uac04\ub2e8\ud55c \uc0c1\ud488\ub4e4\uc774 RM\uc758 \uc190\uc744 \uac70\uce60 \ud544\uc694\uac00 \uc5c6\ub2e4\ub294 \uc810\uc740 \ub192\uc740 \ud6a8\uc728\uc131\uc744 \ubd80\ubd84\uc801\uc73c\ub85c \uc124\uba85\ud574\uc8fc\uc9c0\ub9cc, \uadf8\ub807\ub2e4\uace0 \ud574\ub3c4 \uc774 \uc218\uce58\ub294 \uc5ec\uc804\ud788 \ub180\ub784\ub9cc\ud55c \uacb0\uacfc\uc774\ub2e4.<\/p>\n<p><strong>\ubcf4\uae30 5.<\/strong> \ub300\ubd80\ubd84\uc758 \uc740\ud589\uc758 \ub514\uc9c0\ud138 \uc774\ub2c8\uc154\ud2f0\ube0c\ub294 \uc5ec\uc804\ud788 \ud30c\uc77c\ub7ff \ub2e8\uacc4\uc5d0 \uba38\ubb3c\ub7ec \uc788\ub2e4.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-682 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7985.png\" alt=\"\" width=\"788\" height=\"390\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7985.png 788w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7985-300x148.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7985-768x380.png 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7985-696x344.png 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7985-324x160.png 324w\" sizes=\"auto, (max-width: 788px) 100vw, 788px\" \/><\/p>\n<p><strong>\ubcf4\uae30 6.<\/strong> \uc740\ud589\uc758 \ub514\uc9c0\ud138 \ubc1c\uc804\uc815\ub3c4\uac00 \ud310\ub9e4 \uc0dd\uc0b0\uc131\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-683\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758\ud7986.png\" alt=\"\" width=\"786\" height=\"431\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758\ud7986.png 786w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758\ud7986-300x165.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758\ud7986-768x421.png 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758\ud7986-696x382.png 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758\ud7986-766x420.png 766w\" sizes=\"auto, (max-width: 786px) 100vw, 786px\" \/><\/p>\n<h3><\/h3>\n<h3><span style=\"font-size: 18pt;\"><strong>\ud5a5\ud6c4 \uc804\ub9dd<\/strong><\/span><\/h3>\n<p>\uc9c0\uae08\uae4c\uc9c0 \uc124\uba85\ud55c \ubc14\uc640 \uac19\uc774, \ubaa8\ub4e0 \uc740\ud589\ub4e4\uc740 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c, \uac1c\uc778 \ubc0f \uad50\uc721\ub300\ucd9c\uc0c1\ud488, \ud1f4\uc9c1\uc5f0\uae08 \ub4f1\uc758 \uc0c1\ud488\uc5d0 \uc811\uadfc\ud558\uae30 \uc704\ud574 \uace0\uac1d\ub4e4\uc774 \uac70\uccd0\uc57c \ud558\ub294 \uc5d4\ub4dc\ud22c\uc5d4\ub4dc \uc5ec\uc815\uc5d0 \ub300\ud574 \uc0c8\ub85c\uc6b4 \uc2dc\uac01\uc744 \uac00\uc838\uc57c \ud55c\ub2e4. \uc740\ud589\ub4e4\uc740 \uc774 \uc0c1\ud488\uc744 \ube44\ub86f\ud55c \ub2e4\ub978 \ubaa8\ub4e0 \uc0c1\ud488\ub4e4\uc5d0 \ub300\ud574 \uace0\uac1d\uc758 \ucc38\uc5ec\ub3c4\uc640 \uc0ac\uc6a9 \ud3b8\uc758\uc131\uc744 \ub192\uc5ec\uc57c \ud558\uba70 \uc0c1\ud488\uc758 \ud310\ub9e4\uc640 \uc9c0\uc6d0\uc5d0 \uc788\uc5b4 \ud6a8\uc728\uc131\uc744 \ud5a5\uc0c1\uc2dc\ucf1c\uc57c \ud55c\ub2e4. \uc5d0\uc790\uc77c\ud55c \uc5c5\ubb34\ubc29\ubc95, \ub370\uc774\ud130 \uad00\ub9ac \ubc0f \ubd84\uc11d\uae30\uc220 \ub4f1 \uc0c8\ub85c\uc6b4 \uc5ed\ub7c9\uc774 \uc740\ud589\ub4e4\uc774 \uc774\ub7f0 \uacfc\uc5c5\uc744 \uc2e4\ucc9c\ud558\ub294\ub370 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\ub2e4. \uc774\ub7f0 \uc5ed\ub7c9\uc744 \ud655\ub300\ud568\uc73c\ub85c\uc368 \uc740\ud589\ub4e4\uc740 \ube44\uc6a9\ucc28\uc6d0\uc758 \ub514\uc9c0\ud138 \ud654\uc758 \ud61c\ud0dd\uc744 \uc628\uc804\ud788 \ub204\ub9b4 \uc218 \uc788\uc744 \uac83\uc774\uace0 \uac00\uce58\ucc3d\ucd9c \ucc28\uc6d0\uc758 \ub514\uc9c0\ud138\ud654\uc5d0 \ub300\ud574\uc11c\ub3c4 \ubcf4\ub2e4 \uc57c\uc2ec \ucc2c \ubaa9\ud45c\ub97c \uc124\uc815\ud560 \uc218 \uc788\uc744 \uac83\uc774\ub2e4.<\/p>\n<p>\uc740\ud589\ub4e4\uc740 \ub450 \uac00\uc9c0 \uadfc\ubcf8\uc801\uc778 \ubc29\ubc95\uc73c\ub85c \uace0\uac1d \ucc38\uc5ec\ubaa8\ub378\uc744 \uc7ac\uc124\uc815\ud558\uace0 \uc0c8\ub85c\uc6b4 \ub9e4\ucd9c\uc744 \ucc3d\ucd9c\ud560 \uc900\ube44\ub97c \ud560 \uc218 \uc788\ub2e4. \uccab \ubc88\uc9f8\ub294 \ubc45\ud0b9\uc744 \ubcf4\ub2e4 \uac1c\uc778\ud654\ub41c \ubc29\uc2dd\uc73c\ub85c \ubcc0\ud654\uc2dc\ucf1c \uace0\uac1d\ub4e4\uc5d0\uac8c \uac00\uce58\ub97c \ucc3d\ucd9c\ud558\ub294 \uac83\uc774\ub2e4. \ub450 \ubc88\uc9f8\ub294 \u2013\ubcf4\ub2e4 \uc7a5\uae30\uac04\uc5d0 \uac78\uccd0 \uc2e4\ud604\ub420 \uac83\uc778\ub370- \ub2e8\uc21c\ud788 \ucc44\ub110\uc774\ub77c\ub294 \uac1c\ub150\uc744 \ub6f0\uc5b4\ub118\ub294 \ud310\ub9e4\ubaa8\ub378\uc744 \uac1c\ubc1c\ud558\ub294 \uac83\uc774\ub2e4. \uac1c\uc778\ud654\uc640 \uc720\ube44\ucffc\ud130\uc2a4 \ud310\ub9e4\ub97c \uc2e4\ud604\ud560 \ub54c\ub9cc\uc774 \uc740\ud589\ub4e4\uc774 \uace0\uac1d\uc758 \uc0b6\uc5d0 \ud55c \uac78\uc74c \ub354 \uac00\uae4c\uc774 \ub2e4\uac00\uac08 \uc218 \uc788\uc744 \uac83\uc774\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-size: 18pt;\"><strong>\uac1c\uc778\ud654\ub41c \uc740\ud589\uc11c\ube44\uc2a4<\/strong><\/span><\/h3>\n<p>\uc740\ud589\uc5d0\uc11c \uac1c\uc778\ud654 \uc11c\ube44\uc2a4\ub77c\ub294 \uac83\uc740 \uc9c0\ub09c \uba87 \ub144\uac04 \ud06c\uac8c \ubc14\ub00c\uc9c0\ub294 \uc54a\uc558\ub2e4. \uace0\uac1d\uad00\uacc4\ub294 \uacfc\uac70\uc5d0\ub294 \uace0\uac1d\uc758 \uc7ac\ubb34 \uc0c1\ud669\uc744 \uc54c\uace0 \uadf8\ub4e4\uc744 \ub3d5\ub294 \uac83\uc774 \uc5c5\ubb34\uc600\ub358 \uc9c0\uc810\uc7a5\uacfc\uc758 \uc9c1\uc811 \ub300\ud654\ub97c \ud1b5\ud574 \uc774\ub8e8\uc5b4\uc9c0\uace4 \ud588\ub2e4. \u2018\uc6d0\ub354\ud480 \ub77c\uc774\ud504(Wonderful Life)\u2019\uc5d0\uc11c \uc870\uc9c0 \ubca0\uc77c\ub9ac(George Bailey)\ub294 \ud5d0\ub9ac\uc6b0\ub4dc\uc5d0\uc11c \uc0c1\uc0c1\ud55c \uc9c0\uc5ed\uc0ac\ud68c \uc740\ud589\uc6d0\uc758 \uc774\uc0c1\uc801\uc778 \ubaa8\uc2b5\uc774\uc5c8\uc744 \uac83\uc774\ub2e4. \uadf8\ub294 \uace0\uac1d\uad00\uacc4\uc5d0 \uc788\uc5b4 \ud655\uc2e4\ud788 \uac1c\uc778\uc801\uc774\uc5c8\ub2e4.<\/p>\n<p>\uc9c0\uae08\ub3c4 \uac1c\uc778\ud654\ub294 \uc5ec\uc804\ud788 \uace0\uac1d\ub4e4\uc758 \uc7ac\ubb34\uc0c1\ud669-\uac00\uc871\ud658\uacbd\uacfc \ub9ac\uc2a4\ud06c \ud5c8\uc6a9\ud55c\ub3c4 \ub4f1\uc744 \ud3ec\ud568\ud574-\uc744 \ud3ec\ud568\ud558\uc9c0\ub9cc, \uadf8 \ubfd0\ub9cc \uc544\ub2c8\ub77c \uace0\uac1d \uac1c\uac1c\uc778\uc744 \ubcf4\ub2e4 \uc989\uac01\uc801\uc73c\ub85c, \uc804\ub7b5\uc801\uc73c\ub85c \ub3d5\ub294 \uac83\uc744 \ub9d0\ud558\uae30\ub3c4 \ud55c\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc740\ud589\uc5c5\uc758 \ucd08\uae30\uc5d0, \uc740\ud589\uacfc\uc758 \uad00\uacc4\uac00 \uc544\ubb34\ub9ac \uac1c\uc778\uc801\uc774\ub77c\uace0 \ud574\ub3c4, \uace0\uac1d\ub4e4\uc740 \uc218\uc218\ub8cc\uac00 \uc880 \ub354 \uc800\ub834\ud55c \uc608\uae08\uacc4\uc88c\ub97c \ub9cc\ub4e4 \uc218 \uc788\ub294 \uc790\uaca9\uc774 \ub418\uc790 \ub9c8\uc790 \uc740\ud589\uc774 \uc774\ub97c \uc54c \uc218 \uc788\uc744 \uac83\uc774\ub77c\uace0\ub294 \uae30\ub300\ud558\uc9c0\ub3c4 \uc54a\uc558\uc5c8\ub2e4. \uc740\ud589\uc5d0 \uba3c\uc800 \ubb38\uc758\ud558\uc9c0\ub3c4 \uc54a\uc558\ub294\ub370, \uc740\ud589 \uce21\uc5d0\uc11c \uc5c5\uadf8\ub808\uc774\ub4dc\ub97c \ud574 \uc8fc\uac70\ub098 \uc6d4 \uc218\uc218\ub8cc\ub97c \ub0ae\ucd94\ub294 \uac83\uc740 \ub9d0\ud560 \uac83\ub3c4 \uc5c6\uc5c8\ub2e4. \ub610\ud55c \uace0\uac1d\ub4e4\uc740 \uadf8\ub4e4\uc758 \uc740\ud589\uc774 \ubc18\ubcf5\ub418\ub294 \uac70\ub798\ub97c \uac10\uc9c0\ud558\uace0, \uc774\ub97c \uc790\ub3d9\ud654\ud558\ub294 \uc635\uc158\uc744 \uc81c\uc548\ud560 \uac83\uc744 \uc608\uc0c1\ud558\uc9c0\ub3c4 \ubabb\ud588\uc5c8\ub2e4.<\/p>\n<p>\uc624\ub298\ub0a0, \ucd5c\uace0\uc758 \uc740\ud589\ub4e4\uc740 \uace0\uac1d\ub4e4\uc744 \ubcf4\ub2e4 \uac1c\uc778\uc801\uc73c\ub85c, \uc989\uac01\uc801\uc73c\ub85c \uc774\ud574\ud558\uace0 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\ub294 \uac83\uc744 \ubaa9\ud45c\ub85c \ud558\uace0 \uc788\ub2e4. \ubb3c\ub860 \uad00\uac74\uc740 \uc774\ub97c \ub300\uaddc\ubaa8\ub85c, \uc989 \ud55c \uba85\uc758 \uc591\uc2ec\uc801\uc778 RM\uc758 \ub178\ub825\uc5d0 \uc758\uc874\ud574\uc11c\uac00 \uc544\ub2c8\ub77c \uc740\ud589\uc758 \uc804\uccb4 \uace0\uac1d\uc5d0 \ub300\ud574 \uacbd\ud5d8\uc744 \ub04a\uc784\uc5c6\uc774 \uc218\uc815\ud558\uace0 \ub9de\ucda4\ud654\ud558\ub294 \ub514\uc9c0\ud138 \uc2dc\uc2a4\ud15c\uc744 \ud1b5\ud574, \uc2dc\ud589\ud558\ub294 \uac83\uc774\ub2e4.<\/p>\n<p>\uc740\ud589\uc758 \uac1c\uc778\ud654\ub294 \ubaa8\ub4e0 \uace0\uac1d\ub4e4\uc5d0\uac8c \uc801\ud569\ud55c \uc2dc\uae30\uc5d0, \uc0c1\ud669\uc5d0 \uc801\uc808\ud55c \ubc29\uc2dd\uc73c\ub85c, \uc801\ud569\ud55c \ucc44\ub110\uc744 \ud1b5\ud574 \uc801\ud569\ud55c \uc77c\ub300\uc77c \uacbd\ud5d8\uc744 \uc81c\uacf5\ud558\ub294 \uac83\uc774\ub2e4. \uc801\ud569\ud55c \uacbd\ud5d8\uc740 \uc608\ub97c \ub4e4\uc5b4 \uace0\uac1d\uc774 \ucd08\uacfc\uc778\ucd9c\uc774 \ub420 \uc218 \uc788\ub294 \ub2f9\uc88c\uc608\uae08 \uac70\ub798\ub97c \ud558\ub824\uace0 \ud560 \ub54c, \uc794\uace0\uac00 \ub109\ub109\ud55c \ub2e4\ub978 \uacc4\uc88c\uc5d0\uc11c \uc790\uae08\uc744 \uc774\uccb4\ud558\ub3c4\ub85d \uace0\uac1d\uc5d0\uac8c \uc870\uc5b8\ud558\ub294 \uac83 \ub4f1\uc774\ub2e4. \ud639\uc740 \uace0\uac1d\uc774 \uc8fc\ud0dd\ub9ac\ubaa8\ub378\ub9c1\uc744 \uace0\ub824\ud55c\ub2e4\uba74, \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc5d0 \ub300\ud574 \uc124\uba85\ud574 \uc8fc\ub294 \uc9e7\uc740 \ub3d9\uc601\uc0c1\uc744 \ubcfc \uc218 \uc788\ub3c4\ub85d \ubb38\uc790 \uba54\uc2dc\uc9c0\ub97c \ubcf4\ub0bc \uc218\ub3c4 \uc788\ub2e4.<\/p>\n<p>\uc608\ub97c \ub4e4\uc5b4, \uc0cc\ud504\ub780\uc2dc\uc2a4\ucf54\uc5d0\uc11c \ud55c \uc740\ud589\uc758 \uc7a0\uc7ac\uace0\uac1d\uc774 \uc18c\uc15c\ubbf8\ub514\uc5b4 \uad11\uace0\ub97c \ud074\ub9ad\ud558\uba74, \uc0cc\ud504\ub780\uc2dc\uc2a4\ucf54\uc640 \uad00\ub828\ub418\uace0 \uac00\uc871\uc911\uc2ec(\ud398\uc774\uc2a4\ubd81\uc744 \ud1b5\ud55c \uc740\ud589\uc758 \ud0c0\uac9f \ub9c8\ucf00\ud305\uc744 \ud1b5\ud574 \uc5bb\uc740 \uc815\ubcf4)\uc801\uc778 \uc131\ud5a5\uc5d0 \ub9de\ucda4\ud654\ub41c \uc740\ud589 \ub79c\ub529 \ud398\uc774\uc9c0(landing page)\uac00 \uc5f4\ub9ac\uace0 \ucc57\ubd07\uc774 \uace0\uac1d\uc744 \ucd08\ub300\ud574 \ub354 \ub9ce\uc740 \uc815\ubcf4\ub97c \uc81c\uacf5\ud560 \uc218\ub3c4 \uc788\ub2e4. \ud639\uc740 \uc774 \uc740\ud589\uc758 \ud648\ud398\uc774\uc9c0, \ubaa8\ubc14\uc77c \uc571\uc774\ub098 \ucf5c \uc13c\ud130\uc5d0 \uc5f0\ub77d\uc744 \ud588\uc744 \ub54c, \uc774 \uace0\uac1d\uc740 \uc740\ud589\uc774 \uc790\uc2e0\uc758 \uc18c\ube44\ud328\ud134\uacfc \uc7ac\ubb34 \ubaa9\uc801\uc5d0 \ub9de\ucda4\ud654\ub41c \uc800\ucd95 \uacc4\ud68d\uc744 \ub9c8\ub828\ud558\uace0 \uc788\uc74c\uc744 \uc54c\uac8c \ub420 \uac83\uc774\uba70, \uc740\ud589\uc740 \ud574\ub2f9 \ub0b4\uc6a9\uc744 \uac80\ud1a0\ud560 \uc218 \uc788\ub3c4\ub85d \ub2f4\ub2f9\uc790\uc640\uc758 \uc57d\uc18d\uc744 \uc81c\uc548\ud560 \uc218\ub3c4 \uc788\ub2e4.<\/p>\n<p>\ucd5c\uadfc BCG \uc870\uc0ac\ub97c \ubcf4\uba74 \uac1c\uc778\ud654\ub41c \uacbd\ud5d8\uc774 \uc740\ud589 \uace0\uac1d\ub4e4\uc5d0\uac8c \uc5bc\ub9c8\ub098 \uc911\uc694\ud55c \uc9c0\uac00 \uc5ec\uc2e4\ud788 \ub4dc\ub7ec\ub09c\ub2e4. \uc608\uc804\uc5d0 \uc0c8\ub85c\uc6b4 \uc740\ud589\uc758 \uace0\uac1d\uc774 \ub418\uc5c8\ub358 \uc0ac\ub78c\ub4e4\uc758 \uacfc\ubc18\uc218(54%)\uac00 \uc0c8\ub85c\uc6b4 \uc740\ud589\uc774 \uace0\uac1d\uacbd\ud5d8\uc744 \uac1c\uc778\ud654 \uac83\uc774 \uadf8 \uc740\ud589\uc73c\ub85c \uc62e\uae30\ub294 \uac00\uc7a5 \uc911\uc694\ud55c \uc694\uc778\uc774\uac70\ub098 \ub9e4\uc6b0 \uc911\uc694\ud55c \uc694\uc778\uc774\ub77c\uace0 \ub2f5\ud588\ub2e4. (\ubcf4\uae30 7 \ucc38\uc870.) \ub610\ud55c, \uc751\ub2f5\uc790\uc758 68%\uac00 \uae30\uc874 \uc740\ud589\uacfc\uc758 \uad00\uacc4\uac00 \uadf8 \uc740\ud589\uc758 \uac1c\uc778\ud654 \uc811\uadfc\ubc95 \ub355\ubd84\uc5d0 \ub354\uc6b1 \uac15\ud654\ub410\ub2e4- \uc0c1\ud488\uc774\ub098 \uc11c\ube44\uc2a4\ub97c \ucd94\uac00 \uad6c\ub9e4\ud558\ub294 \ub4f1\uc758 \ubc29\uc2dd\uc73c\ub85c-\uace0 \ub9d0\ud588\ub2e4. \uc740\ud589\uc744 \ub5a0\ub09c \uace0\uac1d\ub4e4 \uc911 41%\ub294 \ubbf8\ud761\ud55c \uac1c\uc778\ud654 \ub178\ub825\uc774 \uc740\ud589\uc744 \uc62e\uae34 \uc694\uc778 \uc911 \ud558\ub098\uc600\ub2e4\uace0 \ubc1d\ud614\ub2e4.<\/p>\n<p>\uac1c\uc778\ud654\ub97c \uc911\uc2dc\ud558\ub294 \uac83\uc740 \ubaa8\ub4e0 \uc9c0\uc5ed\uc5d0\uc11c \uc720\uc0ac\ud558\uac8c \ub098\ud0c0\ub0ac\uc73c\uba70, \ud2b9\ud788 \uc80a\uc740 \uc740\ud589 \uace0\uac1d\ub4e4\uacfc \ubd80\uc720\ud55c \uc740\ud589 \uace0\uac1d\ub4e4(18-34\uc138 \uace0\uac1d\ub4e4\uacfc \uc740\ud589\uc790\uc0b0 \uc218\uc900\uc774 \uac00\uc7a5 \ub192\uc740 \uace0\uac1d\ub4e4)\uc5d0\uac8c \uc740\ud589\uc758 \uc774\uc6a9\uc5ec\ubd80\ub97c \uacb0\uc815\ud558\ub294 \uacf5\ud1b5\uc694\uc778\uc774\uc5c8\ub2e4.<\/p>\n<p><strong>\ubcf4\uae30 7.<\/strong> \uac1c\uc778\ud654\uac00 \uace0\uac1d\uc758 \ud575\uc2ec\uacb0\uc815\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-684 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7987.png\" alt=\"\" width=\"787\" height=\"472\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7987.png 787w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7987-300x180.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7987-768x461.png 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7987-696x417.png 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7987-700x420.png 700w\" sizes=\"auto, (max-width: 787px) 100vw, 787px\" \/><\/p>\n<p>\uc2e4\uc81c\ub85c, \uc790\uc2e0\ub4e4\uc758 \uac1c\uc778\uc801\uc778 \ub2c8\uc988\ub97c \ud574\uacb0\ud574 \uc8fc\ub294 \ub300\uac00\ub85c \uc815\ubcf4\ub97c \uae30\uaebc\uc774 \uacf5\uc720\ud558\uaca0\ub2e4\ub294 \ubc00\ub808\ub2c8\uc5c4 \uc138\ub300\ub4e4\uc758 \ud0dc\ub3c4\ub294 \uc740\ud589\ub4e4\uc774 \uac1c\uc778\ud654\uc5d0 \ub354\uc6b1 \uc5f4\uc131\uc801\uc73c\ub85c \uc9d1\uc911\ud558\uac8c \ud558\ub294 \ub3d9\uae30\uac00 \ub418\uace0 \uc788\ub2e4.<br \/>\n\uc740\ud589\uc774 \uac1c\uc778\ud654\ub97c \ucd94\uc9c4\ud558\ub294 \ub450 \ubc88\uc9f8 \uc694\uc778\uc740 \ub514\uc9c0\ud138 \uc740\ud589\uacfc \ub514\uc9c0\ud138 \ub124\uc774\ud2f0\ube0c \uae30\uc5c5\ub4e4\uacfc\uc758 \uacbd\uc7c1\uc778\ub370, \uc740\ud589\ub4e4\uc740 \uc774\ub4e4\uc774 \uadf8\ub4e4\uacfc \uace0\uac1d\uacfc\uc758 \uad00\uacc4\ub97c \uce68\ubc94\ud558\uace0 \uc788\ub2e4\uace0 \ubcf4\uace0 \uc788\ub2e4. \uc138 \ubc88\uc9f8 \uc694\uc778\uc740 \uc740\ud589 \uc790\uccb4\uc801\uc73c\ub85c \uac1c\uc120\ub418\uace0 \uc788\ub294 \uc870\uc9c1 \ubc0f \ub370\uc774\ud130 \uc5ed\ub7c9\uc774\ub2e4. \ub9ce\uc740 \uae30\uc220, \ud504\ub85c\uc138\uc2a4, \uc778\uc801\uc790\uc6d0\uc774 \ubcc0\ud654\ud574, \uc740\ud589\uc774 \ubcf4\ub2e4 \uac1c\uc778\ud654\ub41c \ubc29\uc2dd\uc73c\ub85c \uace0\uac1d\uc744 \ubd84\uc11d\ud558\uace0 \ub9c8\ucf00\ud305\ud558\uace0 \uc11c\ube44\uc2a4\ud558\ub294 \uac83\uc774 \uc26c\uc6cc\uc84c\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-size: 18pt;\"><strong>\uc740\ud589 \uc6b4\uc601\ubc29\uc2dd\uc758 \uadfc\ubcf8\uc801\uc778 \ubcc0\ud654<\/strong><\/span><\/h3>\n<p>\uac1c\uc778\ud654\ub294 \uc740\ud589 \uac00\uce58\uc0ac\uc2ac \uc804\ubc18\uc758 \ubcc0\ud654\ub97c \ud544\uc694\ub85c \ud55c\ub2e4. \uc774\ub7f0 \ubcc0\ud654\ub294 \uace0\uac1d \ucc38\uc5ec\ub97c \uac15\ud654\uc2dc\ud0a4\uace0 \uc7a5\uae30\uc801\uc73c\ub85c \uc740\ud589\uc5d0 \uc0c1\ub2f9\ud55c \uacbd\uc81c\uc801 \ud61c\ud0dd\uc744 \uac00\uc838\ub2e4 \uc904 \uac83\uc774\ub2e4. \ub2e4\uc74c\uc740 \ubcc0\ud654\uc758 \uac00\uc7a5 \uc911\uc694\ud55c \ubd84\uc57c\ub4e4\uc774\ub2e4.<\/p>\n<p><strong>\u2022 \uc7a0\uc7ac\uace0\uac1d \uc608\uce21.<\/strong> \ud604\uc7ac, \uc740\ud589\ub4e4\uc740 \uc2e0\uc6a9\ub9ac\uc2a4\ud06c\uc640 \uae30\ubcf8\uc801\uc778 \uc778\uad6c\ud1b5\uacc4\ud559\uc801 \ubd84\ub958\ub97c \uc774\uc6a9\ud574 \uac00\uc7a5 \uac00\ub2a5\uc131 \uc788\ub294 \uc7a0\uc7ac\uace0\uac1d\uc744 \uc608\uce21\ud55c\ub2e4. \uc5ec\uae30\uc5d0 \ub370\uc774\ud130 \ubc0f \ubd84\uc11d\uae30\uc220 \uc5ed\ub7c9\uc774 \ub354\ud574\uc9c4\ub2e4\uba74, \uc7a0\uc7ac\uace0\uac1d\uacfc \uc811\ucd09\ud558\uace0 \uadf8\ub4e4\uc5d0\uac8c \uc801\uc808\ud55c \ucc44\ub110\uc744 \uc5f0\uacb0\ud574 \uc8fc\ub294 \uc7a5\uce58\uac00 \ub354\uc6b1 \uac15\ub825\ud558\uace0 \uc815\ud655\ud574 \uc9c8 \uc218 \uc788\uc744 \uac83\uc774\ub2e4.<\/p>\n<p><strong>\u2022 \uace0\uac1d \uacbd\ud5d8.<\/strong> \uac1c\uc778\ud654\ub41c \uc6f9\ud398\uc774\uc9c0\ub294 \ubc18\ub4dc\uc2dc \uace0\uac1d\uc758 \uac1c\ubcc4\uc801\uc778 \uc0c1\ud669\uacfc \ub9e5\ub77d\uc744 \ubc18\uc601\ud574\uc57c \ud558\uba70 \uace0\uac1d\uacfc \ubb34\uad00\ud55c \uc0c1\ud488 \uc81c\uc548(\ud604\uc7ac \ub300\ucd9c\uc774 \uc5c6\ub294 \uace0\uac1d\uc5d0\uac8c \uacc4\uc88c\ud1b5\ud569\uc744 \uc81c\uc548\ud558\ub294 \ub4f1)\uc744 \uc790\uc81c\ud574\uc57c \ud55c\ub2e4. \uace0\uac1d \uac01\uac01\uc758 \ub79c\ub529 \ud398\uc774\uc9c0\ub294 \ud574\ub2f9 \uace0\uac1d\uc758 \uc774\ub984\uc744 \ud3ec\ud568\ud574\uc57c \ud558\uba70 \uc8fc\uc5b4\uc9c4 \uc2dc\uac04\uc5d0 \uac00\uc7a5 \uac00\ub2a5\uc131 \uc788\ub294 \ud589\ub3d9\uc744 \ubc18\uc601\ud574 \ub2e8\ucd95\ud0a4\ub97c \ub2e4\uc774\ub098\ubbf9\ud558\uac8c \uc5c5\ub370\uc774\ud2b8 \ud574\uc57c \ud55c\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ub9cc\uc57d \ubcf4\ud1b5 \uc6d4\ub9d0\uc5d0 \uace0\uac1d\uc758 \uc6d4\uae09\uc774 \ub300\ubcc0\uacc4\uc88c\ub85c \ub098\ud0c0\ub09c\ub2e4\uba74, \uc6d4\ucd08\uc5d0 \uc790\uae08\uc744 \ub2f9\uc88c\uacc4\uc88c\uc5d0\uc11c \uc800\ucd95\uacc4\uc88c\ub85c \uc774\uccb4\ud558\ub294 \uc635\uc158\uc744 \ud3ec\ud568\ud560 \uc218\ub3c4 \uc788\ub2e4. \ud639\uc740 \uace0\uac1d\uc774 \uc8fc\uc911\uc774\ub098 \uae08\uc694\uc77c \ubc24\uc5d0 \uc885\uc885 \uc2ed\ub300\uc790\ub140\uc758 \uc794\uc561\uc744 \ud655\uc778\ud55c\ub2e4\uba70, \uc774\ub97c \uc635\uc158\uc73c\ub85c \uc124\uc815\ud560 \uc218\ub3c4 \uc788\ub2e4.<\/p>\n<p><strong>\u2022 \uc0c1\ud488 \ubc0f \uac00\uaca9\uacb0\uc815.<\/strong> \uc0c1\ud488\uacfc \uac00\uaca9\uacb0\uc815\uc5d0 \ub300\ud55c \uae30\uc874\uc758 \uc811\uadfc\ubc95\uc740 \uc138\uadf8\uba58\ud14c\uc774\uc158\uacfc \ub9c8\ucf00\ud305 \ub2ec\ub825(1\uc8fc\ucc28\uc5d0\ub294 \uc2e0\uc6a9\uce74\ub4dc \ucea0\ud398\uc778, 2\uc8fc\ucc28\uc5d0\ub294 \uc7ac\ubb34 \uacc4\ud68d \ub4f1\uacfc \uac19\uc774) \uc5d0 \uc758\uc874\ud558\ub294 \uac83\uc774\uc5c8\ub2e4. \ud558\uc9c0\ub9cc \uc774\ub7f0 \ubc29\ubc95\uc744 \ud1b5\ud574\uc11c\ub294 \ud560 \uc218 \uc788\ub294 \uc81c\uc548\uc758 \uc218\uac00 \uc81c\ud55c\ub418\uace0 \uc720\uc5f0\uc131\ub3c4 \uac70\uc758 \uc5c6\ub2e4. \uac1c\uc778\ud654\ub41c \uc740\ud589\uc5d0\uc11c\ub294 \uace0\uac1d\uc5d0 \ub300\ud55c \ubd84\uc11d\uc744 \ud1b5\ud574 \u2018\ucc28\uc120\ucc45\u2019\uc774 \ubaa8\ub4e0 \uc0c1\ud488\uacfc \ucc44\ub110\uc5d0 \ub300\ud574 \uacb0\uc815\ub418\uace0 \uc2e4\uc9c8\uc801\uc73c\ub85c \ubb34\ud55c\ud55c \uc218\uc758 \ud310\ub9e4 \uc81c\uc548\uc744 \ud560 \uc218 \uc788\uac8c \ub41c\ub2e4.<\/p>\n<p><strong>\u2022 \uc7ac\ubb34 \uacc4\ud68d.<\/strong> \uc608\uc804\uc5d0\ub294, \uc740\ud589\uc774 \uace0\uac1d\uc758 \uc7ac\ubb34\uc0c1\ud0dc\uc5d0 \ub300\ud574 \uc804\uccb4\uc801\uc778 \uadf8\ub9bc\uc744 \uadf8\ub9ac\uc9c0 \ubabb\ud588\ub2e4. \uc774\ub7f0 \uc0c1\ud669\uc740 \uc810\ucc28 \ubcc0\ud654\ud558\uace0 \uc788\ub294\ub370, \uace0\uac1d\ub4e4\uc774(\ud2b9\ud788 \ubc00\ub808\ub2c8\uc5c4 \uc138\ub300\uac00) \uadf8\ub4e4\uc758 \uc7ac\ubb34 \uc0c1\ud669\uacfc \ubaa9\ud45c\uc5d0 \ub300\ud574 \ub354 \ub9ce\uc740 \uc815\ubcf4\ub97c \uc8fc\uba74\uc11c \uc740\ud589\ub4e4\uc774 \uac1c\uc778\uc801\uc778 \uc7ac\ubb34 \uac74\uc804\uc131\uacfc \uacc4\ud68d\uc218\ub9bd\uc5d0 \ubcf4\ub2e4 \ud070 \uc5ed\ud560\uc744 \ud560 \uc218 \uc788\ub3c4\ub85d \ud574\uc8fc\uace0 \uc788\ub2e4. \uba87\uba87 \uc740\ud589\ub4e4\uc740 \uace0\ub3c4\ub85c \uac1c\uc778\ud654\ub41c \uace0\uac1d\ub370\uc774\ud130\ub97c \uc0ac\uc6a9\ud574 \uc9c0\uc810\uc0c1\ub2f4\uc744 \ud1b5\ud55c \uc7ac\ubb34\uacc4\ud68d\uc218\ub9bd\uacbd\ud5d8\uc744 \uc131\uacf5\uc801\uc73c\ub85c \ub9cc\ub4e4\uc5b4 \ub0b4\uace0 \uc788\ub2e4.<\/p>\n<p><strong>\u2022 \uace0\uac1d \uc720\uc9c0.<\/strong> \uc18c\ub9e4 \uc740\ud589\uc740 \uc5b4\ub5a4 \uace0\uac1d\uc774 \uc740\ud589\uc744 \ub5a0\ub0a0\uc9c0 \ud639\uc740 \uc77c\ubd80 \uae08\uc735\uac70\ub798\ub97c \ub2e4\ub978 \uacf3\uc5d0\uc11c \ud558\ub824\uace0 \ud558\ub294\uc9c0\ub97c \uc54c\uc544\ub0b4\uae30 \uc704\ud574 \uc624\ub7ab\ub3d9\uc548 \uc608\uce21 \ubaa8\ub378\uc744 \uc774\uc6a9\ud574\uc654\ub2e4. \uc624\ub298\ub0a0 \uc774 \uc5ed\ub7c9\uc740 \uadf9\uc801\uc73c\ub85c \ud5a5\uc0c1\ub418\uc5c8\ub294\ub370, \uba38\uc2e0\ub7ec\ub2dd\uacfc \uac1c\uc778\ubcc4 \ucc98\ub9ac\ub0b4\uc6a9 \uc800\uc7a5 \ub4f1\uc758 \uae30\ub2a5 \ub355\ubd84\uc774\ub2e4. \uc774 \ubaa8\ub4e0 \uac83\uc740 \uae0d\uc815\uc624\ub958\ub97c \uc904\uc774\uace0 \ud560\uc778\uc774\ub098 \uc778\uc13c\ud2f0\ube0c\uc758 \uc0ac\uc6a9\uc744 \uc904\uc774\uac8c \ud574 \uc900\ub2e4. \uc778\uacf5\uc9c0\ub2a5 \uc18c\ud504\ud2b8\uc6e8\uc5b4\ub294 \uac01\uac01\uc758 \uace0\uac1d\uc5d0\uac8c \uac00\uc7a5 \uc801\ud569\ud55c \uc811\uadfc\ubc95\uc744 \ucc3e\uc544\ub0b4\uace0 \uc774\ub294 \uc885\uc885 \uc9c0\uc810 \uc9c1\uc6d0\ub4e4\uc758 \uc81c\uc548\uc744 \uc774\ub04c\uc5b4\ub0b4 \uad49\uc7a5\ud788 \ud6a8\uacfc\uc801\uc778 \uacb0\uacfc\ub85c \uc774\uc5b4\uc9c0\uace4 \ud55c\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-size: 18pt;\"><strong>\uccb4\uacc4\uc801\uc774\uace0 \ubc18\ubcf5\uc801\uc778 3\ub2e8\uacc4 \uc811\uadfc\ubc95<\/strong><\/span><\/h3>\n<p>\uace0\uac1d\uacbd\ud5d8\uc744 \uac1c\uc778\ud654\ud558\ub824\ub294 \uc740\ud589\uc758 \ub178\ub825\uc5d0 \uc788\uc5b4\uc11c, \uccab \ubc88\uc9f8 \ub2e8\uacc4\ub294 \uace0\uac1d DNA\ub97c \ud655\ubcf4\ud558\ub294 \uac83\uc774\ub2e4. \uc774\ub294 \uae30\ubcf8 \ud504\ub85c\ud544\uc815\ubcf4, \ub9c8\ucf00\ud305 \ub300\uc751, \uace0\uac1d\ubcf4\uc720 \uc0c1\ud488\uc720\ud615, \uac70\ub798 \ub0b4\uc5ed, \uc2e0\uc6a9 \ubc0f \ub9ac\uc2a4\ud06c \ud65c\ub3d9, \uc2e0\uc6a9\uc870\uc0ac\uae30\uad00 \ubc0f \uae30\ud0c0 \uae30\uad00\uc5d0\uc11c \uac00\uc6a9\ud55c \uc790\ub8cc \ub4f1 \uc678\ubd80 \uc790\ub8cc \ub4f1 \ub9ce\uc740 \ub370\uc774\ud130 \ud3ec\uc778\ud2b8\ub97c \ud55c \ub370 \ubaa8\uc73c\ub294 \uac83\uc5d0 \uc77c\uceeb\ub294 BCG \uc6a9\uc5b4\uc774\ub2e4. \uc774 \ubd84\uc11d\uc744 \ud1b5\ud574 \uace0\uac1d \uac1c\uc778\ubcc4, \uace0\uac1d\uc758 \uac00\uc871\uad6c\uc131, \uace0\uac1d\uc9c0\uac11\uc758 \uaddc\ubaa8, \uc7ac\ubb34\ud328\ud134, \uc81c\uc548\ubbfc\uac10\ub3c4(\uac00\uce58 \ub300 \ud504\ub9ac\ubbf8\uc5c4), \ucc44\ub110 \uc120\ud638\ub3c4 \ub4f1\uc744 \ubc18\uc601\ud574, \uace0\uc720\ud55c DNA \ud504\ub85c\ud544\uc744 \ub9cc\ub4e4 \uc218 \uc788\ub2e4.<\/p>\n<hr \/>\n<p><strong>\uc740\ud589\uc740 \uace0\uac1d \ucee4\ub9ac\ud058\ub7fc<\/strong><br \/>\n<strong>&#8211; \ud2b9\uc815 \ud589\ub3d9\uc744 \uc7a5\ub824\ud558\ub294 \uc77c\ub828\uc758 \uc81c\uc548\uacfc \uc778\ud130\ub799\uc158-<\/strong><br \/>\n<strong>\uc744 \uc815\uc758\ud574\uc57c \ud55c\ub2e4.<\/strong><\/p>\n<hr \/>\n<p>\ub2e4\uc74c \ub2e8\uacc4\ub294 \uace0\uac1d \ucee4\ub9ac\ud058\ub7fc\uc744 \uc815\uc758 \ud558\ub294 \uac83\uc774\ub2e4. \uace0\uac1d \ucee4\ub9ac\ud058\ub7fc\uc740 \ud2b9\uc815 \ud589\ub3d9\uc744 \uc7a5\ub824\ud558\ub294 \uc77c\ub828\uc758 \uc81c\uc548\uacfc \uc778\ud130\ub799\uc158\uc744 \ub9d0\ud55c\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ubc14\ub78c\uc9c1\ud55c \ud589\ub3d9\uc740 \uace0\uac1d\uc774 \ud574\ub2f9\uc740\ud589\uc758 \uad00\ub9ac \ud558\uc5d0 \uc788\ub294 \uc790\uc0b0\uc744 \ub298\ub9ac\uace0 \ucc28\ubcc0\uacc4\uc88c\ub97c \uc77c\uc0c1\uc801\uc778 \uc9c0\ucd9c\uc5d0 \ub354 \ub9ce\uc774 \uc0ac\uc6a9\ud558\ub294 \uac83\uc77c \uc218 \uc788\ub2e4. \ub610\ud55c, \uc740\ud589\uc774 \ucd94\uc9c4\ud558\ub294 \uc778\ud130\ub799\uc158\uc740, \uace0\uac1d\uc758 \uc120\ud638\ub3c4\ub97c \ubc18\uc601\ud574\uc57c \ud55c\ub2e4. \uc5b4\ub5a4 \uacbd\uc6b0\uc5d0\ub294 \uac00\uacc4\uc758 \uc8fc \uc18c\ub4dd\uc790\uc5d0\uac8c \uc774\uba54\uc77c\uc744 \ubcf4\ub0bc \uc218\ub3c4 \uc788\uace0 \ub610 \ub2e4\ub978 \uacbd\uc6b0\uc5d0\ub294 \ud654\uc0c1 \ucc44\ud305\uc744 \ud560 \uc218\ub3c4 \uc788\ub2e4.<\/p>\n<p>\uc138 \ubc88\uc9f8 \ub2e8\uacc4\ub294 <em>\ubc18\ubcf5\ud559\uc2b5<\/em>\uc744 \uc774\uc6a9\ud558\ub294 \uac83\uc774\ub2e4. \uc5ec\uae30\uc5d0\ub294 \uba38\uc2e0 \ub7ec\ub2dd, \uc54c\uace0\ub9ac\uc998, \ubd84\uc11d\uae30\uc220 \uc2dc\uc2a4\ud15c\uc744 \uc801\uc6a9\ud574 \uace0\uac1d\uc774 \uc5ec\ub7ec \ub2e4\ub978 \uc81c\uc548\uc5d0 \ub300\ud574 \uc5b4\ub5bb\uac8c \ubc18\uc751\ud558\ub294\uc9c0 \uc0b4\ud3b4\ubcf4\uace0, \uadf8\uc5d0 \ub530\ub77c \ud5a5\ud6c4 \uc81c\uc548\uc744 \uc870\uc815\ud558\ub294 \uac83 \ub4f1\uc774 \ud3ec\ud568\ub41c\ub2e4. \ubaa9\ud45c\ub294 \uc740\ud589\uc758 \ub9c8\ucf00\ud305 \ud6a8\uc728\uc131\uc744 \ud5a5\uc0c1\uc2dc\ucf1c \ub9e4\ucd9c\uc131\uc7a5\uc5d0 \uae30\uc5ec\ud558\ub294 \uac83\uc774\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-size: 18pt;\"><strong>\uacbd\uc81c\uc801 \ubcf4\uc0c1<\/strong><\/span><\/h3>\n<p>\uc6b0\ub9ac\ub294 \uac1c\uc778\ud654\uac00 \uc18c\ub9e4 \uc740\ud589\uc5c5\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc774 \ub9e4\uc6b0 \ucee4\uc11c, \uc77c\ubd80 \uc0c1\ud488\ubd84\uc57c\uc5d0\uc11c\ub294 30~40%\uc758 \ub9e4\ucd9c\uc0c1\uc2b9\uc744 \ucc3d\ucd9c\ud558\uace0, \uace0\uac1d\uc774\ud0c8\ub960\uc744 10~30% \uac10\uc18c\uc2dc\ud0a4\uba70, \uace0\uac1d \ucc38\uc5ec\uc810\uc218\ub97c 2\ubc30\uc218\uc5d0\uc11c 3\ubc30\uc218 \ub9cc\ud07c \uc0c1\uc2b9\uc2dc\ud0ac \uac83\uc73c\ub85c \ubcf4\uace0 \uc788\ub2e4.<\/p>\n<p>\uac1c\uc778\ud654\ub85c \uc778\ud55c \uc7a0\uc7ac\uc801 \uc601\ud5a5\uc744 \uc0c1\uc138\ud788 \uc0b4\ud3b4\ubcf4\uae30 \uc704\ud574, \uac00\uc0c1\uc73c\ub85c \uc790\uc0b0 1000\uc5b5\ub2ec\ub7ec\uc758 \uc740\ud589\uc744 \uac00\uc815\ud588\ub2e4. (\ubcf4\uae30 8 \ucc38\uc870.) \uac00\uaca9\ucc45\uc815 \ubc0f \uc0c1\ud488\uc81c\uc548\uc744 \uac1c\uc778\ud654\ud568\uc73c\ub85c\uc368, \uc774 \uc740\ud589\uc740 \uc740\ud589\uc758 \uc77c\uc77c \ub9e4\ucd9c\uc744 \ubb34\ub824 5000\ub9cc \ub2ec\ub7ec \uc99d\uac00\uc2dc\ud0ac \uc218 \uc788\ub2e4. \ub610\ud55c \uace0\uac1d\ub4e4\uc774 \uc0ac\uc6a9\ud560 \uc218 \uc788\ub294 \uc5ec\ub7ec \ub2e4\ub978 \ucc44\ub110\ub4e4(\uc2a4\ub9c8\ud2b8\ud3f0 \uc571, \uc6f9\uc0ac\uc774\ud2b8 \uc815\ubcf4, \uc9c0\uc810 \ub0b4 \uc0c1\ub2f4 \ub4f1)\uc744 \uc5f0\uacb0\ud574 \uc0c8\ub85c\uc6b4 \uc0c1\ud488\uc744 \ucc3e\uace0\uc790 \ud558\ub294 \uace0\uac1d\ub4e4\uc5d0\uac8c \ubb3c \ud750\ub974\ub4ef \uc5f0\uacb0\ub418\ub294 \uacbd\ud5d8\uc744 \uc81c\uacf5\ud568\uc73c\ub85c\uc368 \uc0c8\ub85c\uc6b4 \ucd94\uac00 \ub9e4\ucd9c\uc744 \ucd5c\ub300 1\uc5b5 3500\ub9cc\ub2ec\ub7ec \ucc3d\ucd9c\ud560 \uc218 \uc788\uc744 \uac83\uc774\ub2e4. \uac1c\uc120\ub41c \uac1c\uc778\ud654\ub97c \ud1b5\ud574, \uc740\ud589\uc740 \uace0\uac1d\ub4e4\uc774 \ub5a0\ub098\ub824\uace0 \ud558\ub294 \uc0c1\ud669\uc744 \ud30c\uc545\ud558\uace0 \uc801\uc2dc\uc5d0 \uac1c\uc785\ud568\uc73c\ub85c\uc368 \uace0\uac1d \uc774\ud0c8 \uad00\ub828 \ube44\uc6a9\uc744 9000\ub9cc\ub2ec\ub7ec \uc815\ub3c4 \uc808\uac10\ud560 \uc218 \uc788\ub2e4.<\/p>\n<p><strong>\ubcf4\uae30 8.<\/strong> 1000\uc5b5 \ub2ec\ub7ec \uaddc\ubaa8\uc758 \uc740\ud589\uc5d0\uc11c \uac1c\uc778\ud654\uac00 \ubbf8\uce58\ub294 \uc7a0\uc7ac\uc801 \uc7ac\ubb34\uc801 \uc601\ud5a5<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-687 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7988.png\" alt=\"\" width=\"786\" height=\"455\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7988.png 786w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7988-300x174.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7988-768x445.png 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7988-696x403.png 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7988-726x420.png 726w\" sizes=\"auto, (max-width: 786px) 100vw, 786px\" \/><\/p>\n<h3><\/h3>\n<h3><span style=\"font-size: 18pt;\"><strong>\uc720\ube44\ucffc\ud130\uc2a4 \ud310\ub9e4<\/strong><\/span><\/h3>\n<p>\uc740\ud589\uc774 \ub9c8\uc744\uc774\ub098 \ub3c4\uc2dc\uc5d0\uc11c\uc758 \ubb3c\ub9ac\uc801\uc778 \uc785\uc9c0\uac00 \uc740\ud589\uc5d0 \ub300\ud55c \uc778\uc2dd\uc81c\uace0\uc758 \uc8fc\uc694\uc218\ub2e8\uc774\uc790 \uadf8 \uc740\ud589\uc758 \uc218\uc900\uc744 \ubcf4\uc5ec\uc8fc\ub294 \uc2e4\uc9c8\uc801\uc778 \uc9c0\ud45c\uc600\ub358 \uc2dc\ub300\ub294 \ud55c\ucc38 \uc804\uc5d0 \uc9c0\ub0ac\ub2e4. \uc6b0\ub9ac\ub294 \uc77c\uc8fc\uc77c\uc5d0\ub3c4 \uc5ec\ub7ec \ubc88 \uc5b4\ub5a4 \uc740\ud589\uc9c0\uc810\uc744 \uc9c0\ub098\uccd0 \uac77\uac70\ub098 \uc6b4\uc804\ud574\uc11c \uc9c0\ub098\uac08 \uc218 \uc788\uc9c0\ub9cc, \uadf8 \uc740\ud589\uc774 \ub3d9\ub124\uc5d0 \uc788\ub2e4\ub294 \uac83 \ub54c\ubb38\uc5d0 \uadf8 \uc740\ud589\uc774 \uc6b0\ub9ac\uc758 \uac1c\uc778\uc801\uc778 \uae08\uc735 \ub2c8\uc988\ub97c \ucc98\ub9ac\ud560 \uc218 \uc788\ub294 \uac00\uc7a5 \uc801\ud569\ud55c \uc7a5\uc18c\ub77c\uace0 \uc0dd\uac01\ud558\uc9c0\ub294 \uc54a\ub294\ub2e4.<\/p>\n<p>\uadf8\ubcf4\ub2e4\ub294, \uc740\ud589\uc0c1\ud488-\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c, \uc18c\ube44\uc790\ub300\ucd9c, \uc800\ucd95\uacc4\uc88c, \uc790\ub3d9\ucc28 \ubcf4\ud5d8 \ub4f1-\uc774 \ud544\uc694\ud560 \ub54c, \uc6b0\ub9ac\ub294 \uc774\uc81c \uc628\ub77c\uc778 \uac80\uc0c9\uc744 \ud55c\ub2e4. \ubbf8\uad6d, \uc601\uad6d, \ud638\uc8fc\uc5d0\uc11c, \uae08\uc735\uc11c\ube44\uc2a4\ub098 \ubcf4\ud5d8 \uc0c1\ud488\uc744 \ucc3e\ub294 \uc0ac\ub78c\ub4e4\uc758 83%\uac00, \uba87 \ub144 \uc804\uc5d0 BCG\uac00 \uc2e4\uc2dc\ud55c \uc870\uc0ac\uc5d0 \ub530\ub974\uba74, \uc6f9\uc774\ub098 \ud734\ub300\ud3f0\uc744 \ud1b5\ud574 \uac80\uc0c9\uc744 \uc2dc\uc791\ud558\uace0 \uc788\ub2e4.<\/p>\n<p>\uae08\uc735\uc0c1\ud488\uc744 \uac80\uc0c9\ud558\ub294 \uc5ec\uc815\uc774 \uc628\ub77c\uc778\uc5d0\uc11c \uc2dc\uc791\ub41c\ub2e4\ub294 \uc0ac\uc2e4\uc774 \uc740\ud589\uc9c0\uc810\uc774\ub098 \uc740\ud589\uc758 RM\uc774 \uc2e0\uaddc\ube44\uc988\ub2c8\uc2a4\ub97c \uc720\uce58\ud558\ub294 \ub370 \uc788\uc5b4 \ub514\uc9c0\ud138 \ucc44\ub110\uc5d0 \ub4a4\uccd0\uc9c0\uace0 \uc788\ub2e4\ub294 \ub73b\uc740 \uc544\ub2c8\ub2e4. \uc624\ud788\ub824, \ub9e4\ucd9c \ud655\ubcf4 \ucc28\uc6d0\uc5d0\uc11c \uc2e4\ub9dd\uc2a4\ub7ec\uc6b4 \ucabd\uc740 \ub514\uc9c0\ud138 \ucc44\ub110\uc774\ub2e4. BCG \uc758 \uc0ac\ub840\uc5f0\uad6c\uc5d0 \ub530\ub974\uba74 \uc740\ud589 \uc6f9\uc0ac\uc774\ud2b8 \ubc29\ubb38\uc790\ub4e4\uc774 \uadf8 \uc740\ud589\uacfc \ub05d\uae4c\uc9c0 \uad00\uacc4\ub97c \uc720\uc9c0\ud558\uac70\ub098 \uc2ec\ud654\uc2dc\ud0a4\ub294 \uacbd\uc6b0\ub294 \uac70\uc758 \uc5c6\ub294 \ubc18\uba74\uc5d0, \uc2dc\uac04\uc744 \ub0b4\uc11c \uad00\uc2ec \uc788\ub294 \uc0c1\ud488\uc744 \uc5fc\ub450\uc5d0 \ub450\uace0 \uc9c1\uc811 \uc740\ud589\uc9c0\uc810\uc744 \ubc29\ubb38\ud55c \uace0\uac1d\ub4e4\uc740 \uc2e4\uc81c\ub85c \uadf8 \uc0c1\ud488\uc744 \uad6c\ub9e4\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\ub2e4. (\ubcf4\uae30 9 \ucc38\uc870.)<\/p>\n<p>\uc18c\ub9e4\uc740\ud589 \uace0\uac1d\ub4e4\uc758 \ub300\ubd80\ubd84\uc774 \uc0c1\ud488\uc5d0 \ub300\ud55c \uad00\uc2ec\uc744 \uc628\ub77c\uc778\uc5d0\uc11c \uc2dc\uc791\ud55c\ub2e4\ub294 \uc0ac\uc2e4\uacfc \ud568\uaed8 \uc0ac\ub78c\uac04\uc758 \uc0c1\ud638\uc791\uc6a9\uc774 \uc5ec\uc804\ud788 \uc911\uc694\ud558\ub2e4\ub294 \uc810\uc740 \uc18c\ub9e4\uc740\ud589\ub4e4\uc5d0\uac8c \ubcc0\ud601\uc758 \uacfc\uc81c\ub97c \uc81c\uc2dc\ud55c\ub2e4. \uc740\ud589\uc740 \uc5b4\ub5bb\uac8c \uc790\uc0b0-\uc624\ud504\ub77c\uc778\uacfc \uc628\ub77c\uc778 \ucc44\ub110, \ub370\uc774\ud130, \uc778\ub825, \ud30c\ud2b8\ub108\uc2ed \ub4f1-\uc744 \uc7ac\ubc30\uce58\ud574 \uac1c\uc778\ud654 \ubb38\uc81c\ub97c \ud574\uacb0\ud558\uace0, \uc6d0\uac70\ub9ac \uc778\uc801 \uadfc\uc811\uc131\uc744 \ud615\uc131\ud558\uace0, \uc55e\uc73c\ub85c\ub3c4 \uacc4\uc18d \uacbd\uc7c1\ub825\uc744 \uc720\uc9c0\ud560 \uc218 \uc788\uc744\uc9c0\ub97c \uc5f0\uad6c\ud574\uc57c \ud55c\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 18pt;\"><strong>\ucc44\ub110 \uadf8 \uc774\uc0c1\uc758 \uc804\ub7b5<\/strong><\/span><\/p>\n<p>\uc624\ub298\ub0a0, \ub300\ubd80\ubd84\uc758 \uc740\ud589\uc740 \uc601\uc5c5\ud65c\ub3d9\uc5d0 \ub2e4\ucc44\ub110 \uc811\uadfc\ubc95\uc744 \ucde8\ud558\uace0 \uc788\ub2e4. \ub2e4\ucc44\ub110 \ubc45\ud0b9\uc740 \uace0\uac1d\ub4e4\uc774 \uc740\ud589 \uc11c\ube44\uc2a4\ub97c \uadf8 \ub54c \uadf8 \ub54c \uace0\uac1d\uc758 \ub2c8\uc988\uc5d0 \ub530\ub77c \uc5ec\ub7ec \ucc44\ub110\uc758 \uace0\uc720\ud55c \uc870\ud569\uc744 \uc774\uc6a9\ud560 \uc218 \uc788\uac8c \ud574 \uc900\ub2e4. \ubaa8\ubc14\uc77c \uc571\uacfc \uc6f9\uc0ac\uc774\ud2b8\ub294 \uc2e4\uc81c\ub85c \ud558\ub098\uc758 \ucc44\ub110\ub85c \uc800\ucd95\uacc4\uc88c\uc794\uc561\uc744 \ud655\uc778\ud558\uace0 \ub300\uae08\uc744 \uc9c0\ubd88 \ud558\ub294 \ub4f1 \uace0\uac1d\uc774 \uc2a4\uc2a4\ub85c \ud560 \uc218 \uc788\ub294 \ud65c\ub3d9\ub4e4\uc5d0 \uc801\ud569\ud558\ub2e4. \ucf5c\uc13c\ud130\ub098 \uc6b0\ud3b8\uc740 \ub610\ub2e4\ub978 \ucc44\ub110\ub85c \uace0\uac1d\ub4e4\uc774 \uc77c\ubc18\uc801\uc778 \uc9c8\ubb38\uc744 \ud560 \uc218 \uc788\uace0 \uc2e0\uccad\uc11c\ub958\ub97c \uc791\uc131\ud560 \uc218 \uc788\ub2e4. \uc740\ud589\uc9c0\uc810\uc740 \ub610 \ub2e4\ub978 \ucc44\ub110\ub85c \uc77c\ubc18\uc801\uc774\uc9c0 \uc54a\uc740 \uace0\uac1d\ub4e4\uc758 \uc9c8\ubb38\uc744 \ud574\uacb0\ud558\uace0 \ubcf5\uc7a1\ud55c \uc0c1\ud488\uc744 \ud310\ub9e4\ud558\ub294 \ub4f1 \ubaa8\ub4e0 \uc740\ud589\uc11c\ube44\uc2a4\ub97c \uc804\uccb4\uc801\uc73c\ub85c \uc81c\uacf5\ud55c\ub2e4.<\/p>\n<p><strong>\ubcf4\uae30 9.<\/strong> \uc740\ud589\uc0c1\ud488\ud310\ub9e4 \uc2dc \uc628\ub77c\uc778 \uc9c1\uc811 \uc811\ucd09<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-688 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7989.png\" alt=\"\" width=\"792\" height=\"433\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7989.png 792w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7989-300x164.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7989-768x420.png 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uac1c\uc778\ud654\uc758-\ud7989-696x381.png 696w\" sizes=\"auto, (max-width: 792px) 100vw, 792px\" \/><\/p>\n<p>\ud558\uc9c0\ub9cc, \ud604\uc7ac \ud615\ud0dc\uc758 \ub2e4\ucc44\ub110 \uc601\uc5c5\uc740 \uc2ec\uac01\ud55c \ud55c\uacc4\uac00 \uc788\ub2e4. \uccab \ubc88\uc9f8\ub294 \uc740\ud589\uc758 \uc6f9\uc0ac\uc774\ud2b8\uc640 \ucf5c\uc13c\ud130 \ud639\uc740 \uc2a4\ub9c8\ud2b8\ud3f0 \uc571\uacfc \uc9c0\uc810 \uac04\uc758 \ub370\uc774\ud130 \uacf5\uc720\uac00 \uc81c\ub300\ub85c \uc774\ub8e8\uc5b4\uc9c0\uc9c0 \ubabb\ud55c\ub2e4\ub294 \uc810\uc774\ub2e4. \uc740\ud589 \uace0\uac1d\uc774 \ud55c \ucc44\ub110\uc5d0\uc11c \uac70\ub798\ub97c \uc2dc\uc791\ud574 \ub2e4\ub978 \ucc44\ub110\uc5d0\uc11c \uadf8 \uac70\ub798\ub97c \ub9c8\ubb34\ub9ac\ud558\ub294 \uac83\uc774 \uc544\uc9c1\uc740 \uc77c\ubc18\uc801\uc778 \uc77c\uc774 \uc544\ub2c8\ub2e4. \uc774 \uc2dc\uc2a4\ud15c\uc758 \ubd88\ud3b8\ud568\uc740 \ub204\uad6c\ub098 \ub290\ub07c\uace0 \uc788\uc73c\uba70, \ub9cc\uc57d \ud55c \uc740\ud589\uc5d0 \ub300\ud574 \uace0\uac1d\uc774 \uac16\ub294 \uccab\uc778\uc0c1\uc774 \uace0\uac1d\uacbd\ud5d8\uc758 \ub2e8\uc808\uc774\ub77c\uba74 \uc740\ud589\uc5d0\uac8c \uadf8 \ub9ac\uc2a4\ud06c\ub294 \ud2b9\ud788 \ud074 \uac83\uc774\ub2e4. \ucc44\ub110 \ud1b5\ud569\uc758 \ubbf8\ud761\uc740 \uadf9\ud788 \ub192\uc740 \uc911\ub3c4 \ud0c8\ub77d\ub960, \uc989 \uc0c1\ud488 \uac80\uc0c9\uc744 \uc704\ud574 \uc740\ud589 \uc6f9\uc0ac\uc774\ud2b8\uc5d0 \ubc29\ubb38\ud588\ub358 \uc7a0\uc7ac\uace0\uac1d\uc774 \ub2e4\uc2dc \uc7ac\ubc29\ubb38\ud558\uc9c0 \uc54a\uac8c \ub418\ub294 \uacbd\uc6b0\uc5d0 \uc0c1\ub2f9\ubd80\ubd84 \uae30\uc5ec\ud588\uc744 \uac83\uc774\ub2e4.<\/p>\n<p>\ub370\uc774\ud130\uac00 \ucc44\ub110\uac04\uc5d0 \uacf5\uc720\ub418\uc9c0 \uc54a\ub294 \ubb38\uc81c\uc640 \ub354\ubd88\uc5b4, \ubaa8\ub450\uc5d0\uac8c \ub3d9\uc77c\ud55c \uacbd\ud5d8\uc744 \uac15\uc870\ud558\ub294 \uc740\ud589\uc758 \ub2e4\ucc44\ub110 \uc804\ub7b5\uc740, \uae08\uc735\uc11c\ube44\uc2a4\uac00 \uc9c0\uc18d\uc801\uc73c\ub85c \uc81c\uacf5\ub418\ub294 \uc0c8\ub85c\uc6b4 \uc138\uc0c1\uc5d0\uc11c \uc6b4\uc601\ub418\uae30\uc5d0\ub294 \uadfc\ubcf8\uc801\uc73c\ub85c \uc798\ubabb\ub41c \uc810\uc774 \uc788\ub2e4. \uacc4\uc18d\ub418\ub294 \uc11c\ube44\uc2a4\uc81c\uacf5\uc744 \uc704\ud574, \uc740\ud589\uc740 \uc2a4\ub9c8\ud2b8\ud3f0\uc774\ub098 \ucee4\ub125\ud2f0\ub4dc \uce74\uc5d0 \ubd80\ucc29\ub41c \uc74c\uc131\uc778\uc2dd \uac1c\uc778\ube44\uc11c\uc640 \uac19\uc740 \uc0ac\ubb3c\uc778\ud130\ub137\uc744 \ud1b5\ud574, \uc740\ud589\uac70\ub798\ub97c \uc2e4\ud589\ud558\uace0\uc790 \ud558\ub294 \uace0\uac1d\ub4e4\uc758 \uc694\uad6c\uc5d0 \ubd80\uc751\ud574\uc57c \ud55c\ub2e4. \uc9c0\uc810\uc5d0 \uc624\uae30\ub97c \uc6d0\ud558\uc9c0 \uc54a\ub294 \uace0\uac1d\ub4e4\uc744 \uc704\ud574 \ud654\uc0c1\ucc44\ud305 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\uace0 \uc18c\uc15c\ub124\ud2b8\uc6cc\ud06c \ub0b4\uc5d0\uc11c P2P \uc9c0\uae09\uacb0\uc81c \uc11c\ube44\uc2a4\uac00 \uac00\ub2a5\ud558\ub3c4\ub85d \uc9c0\uc6d0\ud574\uc57c \ud55c\ub2e4. \uc740\ud589\uc758 \uc11c\ube44\uc2a4\uac00 \uc0c1\uc5c5 \ud50c\ub7ab\ud3fc\uc5d0 \ub0b4\uc7ac\ub418\uc5b4\uc57c \ud558\ub294\ub370, \uc774\ub97c \uc704\ud574 \uc624\ud508\ubc45\ud0b9\uacfc \uacf5\uc720 API\uc758 \uac1c\ub150\uc744 \ubc1b\uc544\ub4e4\uc5ec\uc57c\ub9cc \ud55c\ub2e4.<\/p>\n<p>\uc740\ud589\uc774 \uc774\ub7f0 \ubcc0\ud654\uc758 \ud750\ub984\uc5d0 \ubc1b\uc544\ub4e4\uc774\uc9c0 \uc54a\uace0 \uace0\uac1d\uc774 \uc81c\uae30\ud558\ub294 \ub2e4\ub978 \uae30\ub300\ub4e4\uc5d0 \ub354\ub514\uac8c \ub300\uc751\ud55c\ub2e4\uba74, \ub514\uc9c0\ud138 \uc5ed\ub7c9\uc774 \ub354 \ub6f0\uc5b4\ub09c \uacbd\uc7c1\uc790\ub4e4\uc5d0\uac8c \uace0\uac1d\ub4e4\uc744 \ub5a0\ub118\uaca8\uc8fc\ub294 \uc148\uc774 \ub420 \uac83\uc774\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-size: 18pt;\"><strong>\uc9c0\uae08\ubd80\ud130 2025\ub144\uae4c\uc9c0 \ud574\uacb0\ud574\uc57c \ud560 \uacfc\uc81c<\/strong><\/span><\/h3>\n<p>\uace0\uac1d\uc758 \uc120\ud638\ub3c4\uc5d0 \ubcf4\ub2e4 \ubc1c \ube60\ub974\uac8c \ub300\uc751\ud558\uace0 \uace0\uac1d\ub9de\ucda4\ud654\ub97c \ubcf4\ub2e4 \uad11\ubc94\uc704\ud558\uac8c \ucd94\uc9c4\ud558\uae30 \uc704\ud574, \uc740\ud589\uc740 \ub124 \uac00\uc9c0 \ud504\ub85c\uc138\uc2a4\ub97c \ud1b5\ud569\ud558\ub294 \ub2e4\uc774\ub0b4\ubbf9\ud55c \ucc44\ub110 \uc870\uc815\uacc4\ud68d\uc744 \uc218\ub9bd\ud574\uc57c \ud55c\ub2e4. \uccab\uc9f8\ub294 \uc634\ub2c8\ucc44\ub110 \ucd94\uc801 \ubc0f \ub370\uc774\ud130 \uc218\uc9d1\uc73c\ub85c \uadf8 \ubaa9\uc801\uc740 \uc11c\ub85c \ub2e4\ub978 \uc740\ud589 \ucc44\ub110\uac04\uc758 \uc815\ubcf4 \uc7a5\ubcbd\uc744 \ud5c8\ubb34\ub294 \uac83\uc774\ub2e4. \ub450 \ubc88\uc9f8 \ud504\ub85c\uc138\uc2a4\ub294 \uc790\ub3d9 \uace0\uac1d \uc778\uc2dd\uc73c\ub85c \uc740\ud589\uc740 \uc5b4\ub5a4 \uace0\uac1d\uc774 \uc740\ud589\uacfc \uc811\ucd09\uc744 \ud558\ub294\uc9c0, \uc5b4\ub5bb\uac8c \ub300\uc751\ud558\ub294 \uac83\uc744 \uc120\ud638\ud558\ub294\uc9c0\ub97c \uc54c \uc218 \uc788\uc5b4\uc57c \ud55c\ub2e4. \uc138 \ubc88\uc9f8 \ud504\ub85c\uc138\uc2a4\ub294 \uc694\uccad \uc790\uaca9\uc73c\ub85c \uc740\ud589\uc774 \uace0\uac1d\uc758 \ubb38\uc758\uc0ac\ud56d\uc744 \ucc98\ub9ac\ud560 \uc218 \uc788\ub294 \ub2e4\uc591\ud55c \ubc29\uc2dd\uc744 \uc774\ud574\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub420 \uac83\uc774\ub2e4. \ub124 \ubc88\uc9f8 \ud504\ub85c\uc138\uc2a4\ub294 \uacbd\ub85c\uc124\uc815 \ucd5c\uc801\ud654\ub85c \uc740\ud589\uc774 \uace0\uac1d\ub300\uc751\uc744 \uc2e0\uc18d\ud558\uace0 \ud6a8\uc728\uc801\uc73c\ub85c \ub9c8\ubb34\ub9ac \ud560 \uc218 \uc788\ub3c4\ub85d \ud558\ub294 \uac83\uc774\ub2e4.<\/p>\n<p>\uc774 \ubaa8\ub4e0 \uac83\uc774 \uacbd\uc81c\uc801\uc73c\ub85c \uc774\ub8e8\uc5b4\uc9c0\uae30 \uc704\ud574\uc11c, \uc740\ud589 \ucc44\ub110\ub4e4\uc740 \ubc18\ub4dc\uc2dc \uc9c4\ud654\ud574\uc57c \ud55c\ub2e4. \uc774 \ubcf4\uace0\uc11c\uc758 \uc791\ub144 \ubc84\uc804\uc5d0\uc11c\ub294, \uc65c \uc740\ud589\uc774 \ubb3c\ub9ac\uc801\uc778 \uc785\uc9c0\ub97c \ucd5c\uc801\ud654\ud558\uace0 \uc9c0\uc810\uc774 \ubcf4\ub2e4 \ucc3d\uc758\uc801\uc774 \ub418\uc5b4\uc57c \ud558\ub294\uc9c0\uc5d0 \ub300\ud574 \uc0c1\uc138\ud788 \ub17c\uc758\ud588\ub2e4. \uba87\uba87 \uc740\ud589 \uc0c1\ud488\uc774 \ub108\ubb34 \ubcf5\uc7a1\ud574\uc11c RM\uc758 \ub3c4\uc6c0 \uc5c6\uc774\ub294 \uad6c\ub9e4\ud558\ub294 \uac83\uc774 \ubd88\uac00\ub2a5\ud558\uae30 \ub54c\ubb38\uc5d0\uc11c\ub77c\ub3c4 \uc740\ud589 \uc9c0\uc810\uc740 \uc0ac\ub77c\uc9c0\uc9c0 \uc54a\uc744 \uac83\uc774\ub2e4. \ud558\uc9c0\ub9cc \uc9c0\uc810\uc758 \ubcf8\uc9c8\uc740 \ubc14\ub014 \uac83\uc774\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc5b4\ub5a4 \uc9c0\uc810\uc740 \ud22c\uc790\uc790\ubb38\ub9cc\uc744 \ud574 \uc8fc\uace0, \ub610 \ub2e4\ub978 \uc9c0\uc810\uc740 \uc6d0\uac70\ub9ac \uc5b4\ub4dc\ubc14\uc774\uc800\uac00 \uc788\ub294 \uc140\ud504\uc11c\ube44\uc2a4 \uc9c0\uc810\uc774 \ub420 \uac83\uc774\ub2e4.<\/p>\n<p>\uc9c4\ud654\ud574\uc57c \ud558\ub294 \ub610 \ub2e4\ub978 \ucc44\ub110\uc740 \uc740\ud589\uc758 \ucf5c\uc13c\ud130\uc774\ub2e4. \uc9c0\uae08\uacfc \uac19\uc740 \uc804\ud654\uc751\ub300 \uae30\ub2a5\uc740 \uace7 \uacfc\uac70\uc758 \uc720\ubb3c\uc774 \ub420 \uac83\uc774\ub2e4. \uadf8 \uc790\ub9ac\uc5d0, \uc18c\uc704 \uc6d0\uaca9 \uace0\uac1d\uc9c0\uc6d0 \ud50c\ub7ab\ud3fc\uc774 \ub4e4\uc5b4\uc124 \uac83\uc774\ub2e4. \uc774 \ud50c\ub7ab\ud3fc\uc740 \ub85c\ubd07, \uc778\uacf5\uc9c0\ub2a5\uc18c\ud504\ud2b8\uc6e8\uc5b4, \uc804\ubb38\uac00\ub85c \uad6c\uc131\ub420 \uac83\uc774\ub2e4. \uc804\ud654\ud1b5\ud654\ubfd0 \uc544\ub2c8\ub77c \uc774\uba54\uc77c\uc774\ub098 \ubb38\uc790\ub85c \ub41c \uc9c8\ubb38, \ucc44\ud305, \ud654\uc0c1\ucc44\ud305\uc744, \uadf8 \ubb38\uc758\uc0ac\ud56d\uc774 \uc678\ubd80 \uace0\uac1d\uc774 \ud55c \uac83\uc774\uac74 \uc740\ud589\uc9c0\uc810\uc758 \ub9e4\ub2c8\uc800\uac00 \ud55c \uac83\uc774\uac74 \ubaa8\ub450 \ucde8\uae09\ud560 \uac83\uc774\ub2e4. \ub514\uc9c0\ud138 \uae30\uc220\ub85c \uc778\ud574 \uc0c1\ub2f4\uc6d0\uc758 \uc5ed\ub7c9 \uc5ed\uc2dc \uac1c\uc120\ub420 \uac83\uc774\ub2e4.<\/p>\n<p>\uad81\uadf9\uc801\uc73c\ub85c, \ucd08\uae30 \ub514\uc9c0\ud138 \uc2dc\ub300\uc5d0 \ubaa8\ub4e0 \uc740\ud589\uc758 \ub3c4\uc804\uacfc\uc81c\ub294 \uc804\ud658\uc774\ub2e4. \uc989, \uc740\ud589\uc758 \uc6f9\uc0ac\uc774\ud2b8\ub97c \ubc29\ubb38\ud558\ub294 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \uc740\ud589 \uc0c1\ud488\uc744 \uc18c\uac1c\ud558\ub294 \ud234\uc744 \uc5f4\uac8c \ud574\uc11c \uadf8 \uc0c1\ud488 \uc2e0\uccad\uc11c\ub97c \uc791\uc131\ud558\ub3c4\ub85d \uc124\ub4dd\ud558\uace0, \uadf8 \uc2e0\uccad\uc11c\ub958\uac00 \uc740\ud589\uc758 \uc694\uac74\uc5d0 \ubd80\ud569\ud558\ub294 \uacbd\uc6b0 \uc2e4\uc81c \ud639\uc740 \uac00\uc0c1(\ub514\uc9c0\ud138 \ube44\uc11c\uc758 \ud615\ud0dc\ub85c) RM\uacfc \uc0c1\ub2f4\ud558\ub3c4\ub85d \uc124\ub4dd\ud558\ub294 \uac83\uc774\ub2e4.<\/p>\n<p>\uc774\ub97c \uc704\ud574 \ubb34\uc5c7\uc744 \ud574\uc57c \ud560 \uac83\uc778\uac00? \uc774\uac83\uc774\uc57c \ub9d0\ub85c, 2018\ub144\uc5d0 \uadf8\ub9ac\uace0 \uc55e\uc73c\ub85c, \ubaa8\ub4e0 \uc740\ud589\ub4e4\uc774 \uc0dd\uac01\ud574\uc57c \ud560 \uc9c8\ubb38\uc774\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-size: 18pt;\"><strong>\uacb0\ub860<\/strong><\/span><\/h3>\n<p>\uc18c\ub9e4\uc740\ud589 \uc5c5\uacc4\ub97c \ud558\ub298\uc5d0\uc11c \ub0b4\ub824\ub2e4 \ubcfc \uc218 \uc788\ub2e4\uba74, \ube44\ud589\uae30 \uc870\uc885\uc11d\uc5d0\uc11c \ub0b4\ub824\ub2e4 \ubcf4\uba74\uc11c \uc11c\ub85c \ub2e4\ub978 \uc5ec\ud589\uac1d\ub4e4\uc774 \uc5b4\ub5bb\uac8c \uc0b0\uc790\ub77d\uc744 \uc62c\ub77c\uac00\ub294 \uc9c0\ub97c \ubcfc \uc218 \uc788\ub2e4\uba74, \uc5ec\ub7ec \uac00\uc9c0 \ub9ce\uc740 \ub2e4\ub978 \uae38\uc774 \uc788\uace0 \uc5b4\ub5a4 \uc740\ud589\uc740 \ub2e4\ub978 \uc740\ud589\ub4e4\ubcf4\ub2e4 \ub354 \uc720\ub9ac\ud55c \uc704\uce58\uc5d0 \uc788\uc74c\uc744 \uc54c \uc218 \uc788\uc744 \uac83\uc774\ub2e4.<\/p>\n<p>\uc0b0\uc744 \uc624\ub974\ub294 \uc5ec\ud589\uac1d\ub4e4\ucc98\ub7fc, \uc740\ud589\ub4e4\uc740 \uc7a5\uc560\ubb3c\uc744 \uadf9\ubcf5\ud558\uae30 \uc704\ud55c \ub3c5\ud2b9\ud55c \uc790\uc2e0\ub9cc\uc758 \uac15\uc810\uc744 \uc0ac\uc6a9\ud558\uba74\uc11c, \ud655\uc2e4\ud788 \ub2e4\ub978 \uc704\uce58\uc5d0 \uc788\ub2e4. 2018\ub144 \ud604\uc7ac, \uc5b4\ub5a4 \uc740\ud589\ub4e4\uc740 \uc544\uc9c1\ub3c4 \ube44\uc6a9\uc808\uac10\uc744 \uc704\ud55c \ub514\uc9c0\ud138\ud654\ub97c \ud1b5\ud574 \uacbd\uc7c1\uc6b0\uc704\ub97c \uac15\ud654\ud560 \uc5ec\uc9c0\uac00 \ub0a8\uc544 \uc788\ub2e4. \ubc18\uba74, \ub2e4\ub978 \uc740\ud589\ub4e4\uc740 \uc774 \ubd84\uc57c\uc5d0\uc11c \ud560 \uc218 \uc788\ub294 \uc77c\uc740 \uac70\uc758 \ub2e4 \ub9c8\ucce4\uace0, \uc774 \uc5ec\uc815\uc5d0 \uc788\uc5b4 \ub354 \uc5b4\ub824\uc6b4 \ubd80\ubd84, \uc989 \uac00\uce58\ucc3d\ucd9c\uc744 \uc704\ud55c \ub514\uc9c0\ud138\ud654\ub97c \ud5a5\ud574 \ub098\uc544\uac00\uace0 \uc788\ub2e4. \uac01\uac01\uc758 \uc740\ud589\uc740 \uac1c\uc778\ud654\uc640 \uc9c0\uc18d\uc801\uc778 \uc11c\ube44\uc2a4 \uc81c\uacf5\uc774\ub77c\ub294 \uacfc\uc81c\ub97c \uace0\ub824\ud574 \ubaa9\ud45c\uc5d0 \uc5b4\ub5bb\uac8c \ub3c4\ub2ec\ud560 \uc9c0 \uacb0\uc815\ud574\uc57c \ud55c\ub2e4. \ubaa9\uc801\uc9c0\ub294 \ud558\ub8e8\ud558\ub8e8 \uc9c0\ub0a0\uc218\ub85d \ub354\uc6b1 \ud655\uc2e4\ud574\uc9c0\uace0 \uc788\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ube44 \ub514\uc9c0\ud138 \uc804\ub7b5\uc744 \uace0\uc218\ud558\ub824\uace0 \ud558\ub294 \uc18c\ub9e4 \uc740\ud589\uc744 \ucc3e\ub294 \uac83\ubcf4\ub2e4\ub294 \ucc28\ub77c\ub9ac \uc2dc\uc18d 40\ub9c8\uc77c\uc758 \uac15\ud48d\uc5d0 \uc815\uba74\uc73c\ub85c \ub9de\uc11c \ud56d\ud574\ud558\ub824\ub294 \uc0ac\ub78c\uc744 \ucc3e\ub294 \uac83\uc774 \ub354 \uc26c\uc6b8 \uac83\uc774\ub2e4. \uc740\ud589\ub4e4\uc740 \ubaa8\ub450 \ud604\uc7ac\uc758 \uc704\ub825\uc801\uc778 \uacbd\uc81c \ubc0f \uae30\uc220\uc758 \uc601\ud5a5\ub825\uc774 \uadf8\ub4e4\uc744 \uc5b4\ub514\ub85c \uc774\ub044\ub294\uc9c0 \uc54c\uace0 \uc788\ub2e4. \ub2e4\ub978 \uc810\uc774\ub77c\uba74 \uc740\ud589\ub9c8\ub2e4 \ub9e4\uc6b0 \ub2e4\ub978 \uc18d\ub3c4\ub85c, \ub2e4\ub978 \ub9c8\uc77c\uc2a4\ud1a4\uc5d0 \uc9d1\uc911\ud574 \uc6c0\uc9c1\uc774\uace0 \uc788\ub2e4\ub294 \uc810\uc774\ub2e4.  \uc55e\uc120 \ub514\uc9c0\ud138 \uc804\ub7b5\uacfc (\ub300\ub2e4\uc218\uc758 \uacbd\uc6b0) \uc9c0\uc5ed\uc801\uc778 \uc7a5\uc810\uc744 \ubb34\uae30\ub85c, \ucd5c\uace0\uc758 \uc2e4\uc801\uc744 \ubcf4\uc774\ub294 \uc740\ud589\ub4e4\uc740 \ud604\uc7ac \uc911\uac04\uc218\uc900 \uc740\ud589\ub4e4\ubcf4\ub2e419% \ub354 \ub192\uc740 \uc601\uc5c5\uc774\uc775\uacbd\ube44\uc728(cost-income ratio)\uc744 \uae30\ub85d\ud558\uace0 \uc788\ub2e4. \uc774\ub7f0 \uaca9\ucc28\ub294 \uc9c0\ub09c 2\ub144\uac04 \uacc4\uc18d\ud574\uc11c \uc99d\uac00\ud558\uace0 \uc788\ub2e4.<\/p>\n","protected":false},"author":1,"featured_media":674,"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":[33,32],"tags":[],"class_list":{"0":"post-673","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-fi-ins-pipe","8":"category-industry"},"_links":{"self":[{"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/posts\/673","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=673"}],"version-history":[{"count":9,"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/posts\/673\/revisions"}],"predecessor-version":[{"id":1120,"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/posts\/673\/revisions\/1120"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/media\/674"}],"wp:attachment":[{"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/media?parent=673"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/categories?post=673"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/tags?post=673"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}