{"id":878,"date":"2018-03-25T16:57:36","date_gmt":"2018-03-25T07:57:36","guid":{"rendered":"https:\/\/bcgblog.kr\/?p=878"},"modified":"2020-04-29T14:38:06","modified_gmt":"2020-04-29T05:38:06","slug":"reinventing-life-insurance-agency-distribution-globally","status":"publish","type":"post","link":"https:\/\/bcgblog.kr\/reinventing-life-insurance-agency-distribution-globally\/","title":{"rendered":"\uae00\ub85c\ubc8c \uc0dd\uba85\ubcf4\ud5d8 \ub300\ub9ac\uc810 \uc720\ud1b5\uc758 \ud601\uc2e0"},"content":{"rendered":"<p>\ub300\ub9ac\uc810 \uc720\ud1b5\uc758 \ub514\uc9c0\ud138 \uc0dd\uc0b0\uc131 \ud601\uc2e0\uc740 \uc5b4\ub5bb\uac8c \ubaa8\ub4e0 \uc774\ud574\ub2f9\uc0ac\uc790\uc5d0\uac8c \uc81c\uacf5\ub418\ub294 \uac00\uce58\ub97c \uc99d\ub300\uc2dc\ud0a4\ub294\uac00<\/p>\n<p><strong>\ubcf4\uc2a4\ud134\ucee8\uc124\ud305\uadf8\ub8f9\uacfc \ubaa8\uac74\uc2a4\ud0e0\ub9ac\uc758 \ubcf8 \uacf5\ub3d9\uc5f0\uad6c\ubcf4\uace0\uc11c\ub294 \uc138\uacc4 \uac01\uad6d\uc758 \uc0ac\ub78c \ub300 \uc0ac\ub78c\uac04 \uc0dd\uba85\ubcf4\ud5d8 \uc720\ud1b5\uc758 \ubbf8\ub798\ub97c \uc0b4\ud3b4\ubcf8\ub2e4.<\/strong> \ubcf8 \ubcf4\uace0\uc11c\ub294 50\uc5ec \uac74\uc758 \ubcf4\ud5d8\uc0ac \uacbd\uc601\uc9c4 \ub300\uc0c1 \uc778\ud130\ubdf0, 850\uba85\uc758 \uc911\uad6d, \uc778\ub3c4, \ub3c5\uc77c, \ubbf8\uad6d \ubcf4\ud5d8\uc124\uacc4\uc0ac \ub300\uc0c1 \uc54c\ud30c\uc640\uc774\uc988(AlphaWise) \uc11c\ubca0\uc774, \ubcf4\uc720\uacc4\uc57d \ubc0f \uc2e0\uaddc\uacc4\uc57d\uacfc \ubcf4\ud5d8\ub300\ub9ac\uc810 \uacbd\uc81c\ub17c\ub9ac \uac04\uc758 \uc0c1\ud638\uc791\uc6a9\uc5d0 \ub300\ud55c \uc138\ubd80\uc801\uc778 \uc7ac\ubb34 \ubaa8\ub378\ub9c1\uc744 \uc774\uc6a9\ud558\uc5ec \uc791\uc131\ub418\uc5c8\ub2e4.<\/p>\n<p><strong>\uc804\uc138\uacc4\uc801\uc73c\ub85c \uc0dd\uba85\ubcf4\ud5d8\uc0ac\ub4e4\uc740 \ub300\ub9ac\uc810 \uc720\ud1b5\uc758 \uc9c0\uc18d\uac00\ub2a5\uc131 \ub4f1 \uc5ec\ub7ec \ubb38\uc81c\uc5d0 \ucc98\ud574 \uc788\ub2e4.<\/strong> \uc120\uc9c4\uad6d \uc2dc\uc7a5\uc758 \ubcf4\ud5d8\ub300\ub9ac\uc810 \uc778\ub825\uc740 \ub178\ub839\ud654\ub418\uace0 \uc788\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc73c\uba70 \uc778\ud504\ub77c \ud22c\uc790 \ubbf8\ube44\ub85c \uc778\ud55c \uc5b4\ub824\uc6c0\uc744 \uacaa\uace0 \uc788\uc744 \ubfd0 \uc544\ub2c8\ub77c \uc804\ud1b5\uc801\uc778 \uc0c1\ud488\uc744 \uc911\uc2ec\uc73c\ub85c \uc601\uc5c5\ud558\ub294 \uacbd\ud5a5\uc744 \ubcf4\uc778\ub2e4. \ubcf4\ud5d8\ub300\ub9ac\uc810 \ucc44\ub110\uc774 \uc880\ub354 \ud65c\uc131\ud654\ub418\uc5b4 \uc788\ub294 \uc2e0\ud765\uc2dc\uc7a5\uc758 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \ud30c\ud2b8\ud0c0\uc784 \ubcf4\ud5d8\uc124\uacc4\uc0ac\uc758 \ub192\uc740 \uc774\uc9c1\ub960\ub85c \uc778\ud574 \uc7a5\uae30\uc801\uc73c\ub85c \ubd88\ub9ac\ud55c \uc785\uc9c0\uc5d0 \uc788\ub2e4.<\/p>\n<p><strong>\uc5b4\ub5a4 \uc9c0\uc5ed\uc5d0\uc11c\ub294 \ud22c\uc790\uc790\ub4e4\uc774 \ubcf4\ud5d8\ub300\ub9ac\uc810 \uc720\ud1b5\uc758 \uc7a5\uae30\uc801\uc778 \uc9c0\uc18d\uac00\ub2a5\uc131\uc5d0 \ub300\ud574 \uc758\ubb38\uc744 \uc81c\uae30\ud558\uae30\ub3c4 \ud55c\ub2e4.<\/strong> \uc601\uc5c5 \ud504\ub85c\uc138\uc2a4\ub294 \uc5ec\uc804\ud788 \u201c\uad6c\uc2dd\u201d\uc774\uba70 \ube44\ud6a8\uc728\uc801\uc77c \ubfd0 \uc544\ub2c8\ub77c \ub514\uc9c0\ud138 \uc120\ub3c4\uae30\uc5c5\ub4e4\uc774 \uc124\uc815\ud558\uace0 \uc788\ub294 \uae09\ubcc0\ud558\ub294 \uace0\uac1d \uae30\ub300 \uc218\uc900\uc5d0 \ubbf8\uce58\uc9c0 \ubabb\ud55c\ub2e4. \uc2e0\uaddc\uacc4\uc57d\uc758 \uc131\uacfc\uac00 \ud56d\uc0c1 \ubcf4\uc720\uacc4\uc57d\uc758 \uc131\uacfc\uc640 \ub69c\ub837\ud558\uac8c \ucc28\ubcc4\ud654\ub418\ub294 \uac83\uc740 \uc544\ub2c8\ub77c\ub294 \uc810 \ub54c\ubb38\uc5d0 \ud22c\uc790\uc790\ub4e4\uc758 \ud68c\uc758\uc801 \uc2dc\uac01\uc740 \ud655\ub300\ub418\uace0 \uc788\uc73c\uba70 \uc790\ubcf8\uc9d1\uc57d\uc801\uc778 \ubcf4\uc720\uacc4\uc57d \ubd80\ubb38\uc73c\ub85c \uc778\ud574 \ub9ce\uc740 \ubcf4\ud5d8\uc0ac\uc758 \uc790\uae30\uc790\ubcf8\ube44\uc6a9\uc774 \uc99d\uac00\ud558\uace0 \uc788\ub2e4.<\/p>\n<p><strong>\ubbf8\ub798\uc758 \ubcf4\ud5d8\ub300\ub9ac\uc810 \ubaa8\ub378\uc740 \uc0ac\ub78c \ub300 \uc0ac\ub78c \uac04 \ubaa8\ub378\uc744 \ud601\uc2e0\ud558\uc5ec \ub514\uc9c0\ud138\ud654\ud55c \uac83\uc774\ub2e4.<\/strong> \uc6b0\ub9ac\uac00 \uc0dd\uac01\ud558\ub294 \uc131\uacf5\uc801\uc778 \ubaa8\ub378\uc774\ub780 \uae30\uc220(\ub514\uc9c0\ud138, \ub370\uc774\ud130 &amp; \ubd84\uc11d \ub4f1)\uc758 \ud65c\uc6a9\uc744 \ud1b5\ud574 \ub354\uc6b1 \ud6a8\uacfc\uc801\uc774\uace0 \ud6a8\uc728\uc801\uc778 \uc0ac\ub78c \ub300 \uc0ac\ub78c \uac04 \uc0c1\ud638\uc791\uc6a9\uc744 \uac00\ub2a5\ucf00 \ud568\uc73c\ub85c\uc368 \uc804\ubc18\uc801\uc778 \uace0\uac1d\uacfc \ubcf4\ud5d8\uc124\uacc4\uc0ac \uac04\uc758 \uacbd\ud5d8\uc744 \uac1c\uc120\ud558\ub294 \ud55c\ud3b8 \ubaa8\ub4e0 \uc774\ud574\ub2f9\uc0ac\uc790\ub4e4\uc5d0\uac8c \ub354 \ub098\uc740 \uacbd\uc81c\uc801 \uc131\uacfc\ub97c \uc81c\uacf5\ud558\ub294 \ud558\uc774\ube0c\ub9ac\ub4dc \ubaa8\ub378\uc774\ub2e4. \uc774\ub7ec\ud55c \ub9e5\ub77d\uc5d0\uc11c, \ubcf4\ud5d8\uc124\uacc4\uc0ac\ub294 \uace0\uac1d\uc758 \uc804\uccb4\uc801\uc778 \ub2c8\uc988\ub97c \ud574\uacb0\ud558\ub294 \ub370 \uc8fc\ub825\ud558\ub294 \uba40\ud2f0 \ucc44\ub110 \ubc0f \uba40\ud2f0 \uc194\ub8e8\uc158 \uc0dd\ud0dc\uacc4\uc5d0 \ud3b8\uc785\ub420 \uac83\uc774\ub2e4.<\/p>\n<p><strong>\ub2e8\uc704\ub2f9 \ub9e4\ucd9c\uc6d0\uac00\ub294 \uc0c1\ub2f9\ubd80\ubd84 \uac10\uc18c\ub420 \ud544\uc694\uac00 \uc788\ub2e4.<\/strong> \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uace0\uac1d\uc5d0\uac8c \uc81c\uacf5\ub418\ub294 \uac00\uce58\ub97c \ub192\uc5ec\uc57c \ud558\uace0 \ub9e4\ucd9c\uc774\uc775\uc740 \ubcf4\ud5d8\uc5c5\uc758 \uc7a5\uae30\uc801 \uc9c0\uc18d\uac00\ub2a5\uc131\uc744 \uc720\uc9c0\ud560 \uc815\ub3c4\ub85c \uc99d\uac00\ud560 \ud544\uc694\uac00 \uc788\ub2e4. \uc774\uc640 \ub3d9\uc2dc\uc5d0, \ubcf4\ud5d8\uc124\uacc4\uc0ac\uc758 \uc0dd\uc0b0\uc131\uc744 \ud604\uc7ac\ubcf4\ub2e4 \uac1c\uc120\uc2dc\ud0b4\uc73c\ub85c\uc368 \ubcf4\ud5d8\uc124\uacc4\uc0ac\uc758 \ucd1d\uc18c\ub4dd\uc744 \uc99d\uac00\uc2dc\ucf1c\uc57c \ud55c\ub2e4.<\/p>\n<p><strong>\uc774\ub7ec\ud55c \ub3c4\uc804\uacfc\uc81c\ub4e4\uc744 \ud574\uacb0\ud558\ub294 \ubcf4\ud5d8\uc0ac\ub4e4\uc5d0\uac8c\ub294 \uc0c1\ub2f9\ud55c \uac00\uce58 \ucc3d\ucd9c \ubc0f \ubc38\ub958\uc5d0\uc774\uc158 \uc99d\ub300 \uae30\ud68c\uac00 \uc874\uc7ac\ud55c\ub2e4.<\/strong> \ubcf8 \ubcf4\uace0\uc11c\uc5d0\uc11c \uc81c\uc2dc\ud558\ub294 \ub124 \ubd80\ubd84\uc73c\ub85c \uad6c\uc131\ub41c \ud504\ub808\uc784\uc6cc\ud06c(\uc138\ubd80 \ub0b4\uc6a9\uc740 \ubcf8 \ubcf4\uace0\uc11c\uc758 \uad00\ub828 \ubd80\ubd84 \ucc38\uc870)\ub97c \ud1b5\ud574 \uc0c1\ub2f9\ud55c \ud6a8\uacfc\uac00 \ucc3d\ucd9c\ub420 \uac00\ub2a5\uc131\uc774 \uc788\ub2e4. \uc6b0\ub9ac\uc758 \ubaa8\ub378\ub9c1\uc740 \uc804\ud1b5\uc801\uc778 \ub3c5\uc77c \ubcf4\ud5d8\uc0ac\uc758 \uc8fc\uc8fc \uac00\uce58\uac00 \ub450 \ubc30 \uc774\uc0c1 \uc99d\uac00\ud558\uace0 \uc804\ud615\uc801\uc778 \ubbf8\uad6d \uc0dd\uba85 \ubcf4\ud5d8\uc0ac\uc758 \uc601\uc5c5\uc774\uc775\ub960\uc774 75% \uac00\uae4c\uc774 \uc99d\uac00\ud560 \uc218 \uc788\uc74c\uc744 \ubcf4\uc5ec\uc900\ub2e4.<\/p>\n<p><strong>\uc6b0\ub9ac\ub294 \uc804\uc138\uacc4 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc5ec\ub7ec \uc131\uacf5\uc0ac\ub840 \uc911\uc5d0\uc11c\ub3c4 \ud2b9\ud788 \uc911\uad6d \ubcf4\ud5d8\uc0ac\ub4e4\uc758 \uc804\ub7b5\uc744 \ud65c\uc6a9\ud560 \uac83\uc744 \uace0\ub824\ud574\ubcf4\uc544\uc57c \ud55c\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4.<\/strong> \uc911\uad6d\uc758 \ubcf4\ud5d8\uc0b0\uc5c5\uc740 \uc9c0\ub09c \uba87 \ub144\uac04 \ubcf4\ud5d8\uc124\uacc4\uc0ac \uc218\uac00 \uae09\uc99d\ud588\uc74c\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc124\uacc4\uc0ac\ub2f9 \uc0dd\uc0b0\uc131\uc758 \uc720\uc758\ubbf8\ud55c \uc99d\uac00\ub97c \ubcf4\uc600\ub2e4. \uc0c1\ud488\uad6c\uc131\uc758 \ubcc0\ud654\uac00 \uc0dd\uc0b0\uc131 \uac1c\uc120\uc758 \uc8fc\uc694 \uc694\uc18c\uc774\uae34 \ud588\uc73c\ub098 \uc644\uc804\ud55c \ub514\uc9c0\ud138 \ub370\uc774\ud130 \ubc0f \ubd84\uc11d\uc744 \ud1b5\ud55c \uc5d4\ub4dc\ud22c\uc5d4\ub4dc(end-to-end) \uacbd\ud5d8\uc73c\ub85c\uc758 \uc804\ud658\ub3c4 \uc720\uc758\ubbf8\ud55c \uc0dd\uc0b0\uc131 \uc99d\uac00\uc5d0 \uae30\uc5ec\ud588\ub2e4.<\/p>\n<p><strong> \uc6b0\ub9ac\ub294 \uc2e0\uc18d\ud558\uac8c \ub300\uc751\ud558\ub294 \ubcf4\ud5d8\uc0ac\ub4e4\uc5d0\uac8c \uae30\ud68c\uac00 \uc788\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4.<\/strong> \ud601\uc2e0\uc801\uc778 \ubcc0\ud654\ub97c \uc774\ub04c\uc5b4\ub0b4\ub294 \uac83, \ud2b9\ud788 \ud604\uc7ac\uc758 \ubcf4\ud5d8\uc124\uacc4\uc0ac \uad00\uacc4\ub97c \ubcc0\ud654\uc2dc\ud0a4\ub294 \uac83\uc740 \ubd84\uba85 \uc27d\uc9c0 \uc54a\uc740 \uc77c\uc774\ub2e4. \uadf8\ub7ec\ub098, \uaddc\uc81c\ub294 \ube60\ub974\uac8c \ubcc0\ud654\ud558\uace0 \uc788\uace0 \ub514\uc9c0\ud138 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uacc4\uc18d\ud574\uc11c \uc0c8\ub85c\uc6b4 \uc544\uc774\ub514\uc5b4\ub97c \uc2e4\ud5d8\ud558\uace0 \uc788\uc73c\uba70 \uc804\ud1b5\uc801\uc778 \uacbd\uc7c1\uc758 \uc555\ub825\uc740 \ub354\uc6b1 \uac15\ud574\uc9c8 \uc218 \ubc16\uc5d0 \uc5c6\uc744 \uac83\uc774\ub2e4.<\/p>\n<hr \/>\n<p><strong>Alphawise @<\/strong><br \/>\n<strong>Primary Research<\/strong><\/p>\n<p><strong>\ub0a8\ub4e4\uc774 \ubcf4\uc9c0 \ubabb\ud558\ub294 \uac83\uc744 \ubcf4\ub77c 1)<\/strong> \uc911\uad6d\uc758 \ub192\uc740 \ub514\uc9c0\ud138 \uc218\uc900\uc740 \ub180\ub78d\uac8c\ub3c4 \uae30\uc220 \ucc44\ud0dd\ub960\uc774 \ubbf8\uad6d\uacfc \ub3c5\uc77c \uc218\uc900\uc5d0 \uac00\uae4c\uc6b8 \uc815\ub3c4\ub85c \ub192\uc740 \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\ub2e4. \uc778\ub3c4\ub294 \uc544\uc9c1 \ub514\uc9c0\ud138\ud654\uac00 \uc9c4\ud589 \uc911\uc774\ub098 \ub514\uc9c0\ud138\ud654\uac00 \uc774\ub8e8\uc5b4\uc9c4 \uacbd\uc6b0\uc5d0\ub294 \ube44 LIC \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc120\ub450\ub97c \uc774\ub04c\uace0 \uc788\ub2e4. 2) \uc911\uad6d\uc758 \ubcf4\ud5d8\ub300\ub9ac\uc810 \uae30\uc220 \uc778\ud504\ub77c\ub294 \uc0dd\uc0b0\uc131 \uac1c\uc120\uc758 \uc8fc\uc694 \uc694\uc778\uc774\uc5c8\uc73c\uba70, \uc774\ub294 \ub2e4\ub978 \uc2dc\uc7a5\uc5d0\ub3c4 \uc2dc\uc0ac\ud558\ub294 \ubc14\uac00 \uc788\uc744 \uac83\uc73c\ub85c \uc0dd\uac01\ub41c\ub2e4. 3) \uc911\uad6d\uacfc \uc778\ub3c4\uc5d0\uc11c\ub294 \uc9c0\ub09c 3 \ub144\uac04 \ubcf4\ud5d8\uc124\uacc4\uc0ac 4\uba85 \uc911 3\uba85 \uaf34\ub85c \ubcf4\ud5d8\ud310\ub9e4\uac00 \uc99d\uac00\ud588\uc73c\uba70 \ubbf8\uad6d\uacfc \ub3c5\uc77c\uc758 \uc99d\uac00\uc728\uc740 \uc774\ubcf4\ub2e4 \ub0ae\uc740 \uc218\uc900\uc73c\ub85c \ubcf4\uace0\ub418\uc5c8\ub2e4.<\/p>\n<p><strong>\ubc29\ubc95.<\/strong> \uc6b0\ub9ac\ub294 2018\ub144 3\uc6d4\ubd80\ud130 5\uc6d4\uae4c\uc9c0 \ubbf8\uad6d(200), \uc911\uad6d(200), \uc778\ub3c4(250), \ub3c5\uc77c(200)\uc758 \uc0dd\ubcf4 \uc124\uacc4\uc0ac\ub4e4\uacfc 850 \uac74\uc758 \uc628\ub77c\uc778 \ubc0f \uc804\ud654 \uc778\ud130\ubdf0\ub97c \uc9c4\ud589\ud588\ub2e4. \ud45c\ubcf8\uc740 \uc11c\ub85c \ub2e4\ub978 \ubcf4\ud5d8\uc0ac\uc5d0\uc11c \uac01\uc885 \uacbd\ub825\uc744 \uc313\uc740 \ub2e4\uc591\ud55c \uc5f0\ub839\ub300\uc758 \ubcf4\ud5d8\uc124\uacc4\uc0ac\ub4e4\ub85c \uad6c\uc131\ub418\uc5c8\ub2e4.<\/p>\n<p><strong>\ubd84\uc11d \ud300.<\/strong> \uc54c\ud30c\uc640\uc774\uc988 \ud504\ub77c\uc774\uba38\ub9ac \ub9ac\uc11c\uce58(AlphaWise Primary Research)\ub294 \ub300\uccb4 \ub370\uc774\ud130\ub97c \uc218\uc9d1\ud558\uace0 \ud601\uc2e0\uc801\uc778 \ubd84\uc11d \ubc0f \uc2dc\uac01\ud654 \ud50c\ub7ab\ud3fc\uc744 \ud1b5\ud574 \uace0\uc720\ud55c \ud1b5\ucc30\ub825\uc744 \ucc3d\ucd9c\ud55c\ub2e4.<\/p>\n<hr \/>\n<p><strong>\uac70\uc758 \ubc31 \ub144\uac04 \uc0dd\uba85\ubcf4\ud5d8\uc5c5\uc758 \uac00\uce58\uc0ac\uc2ac \uc0c1\uc5d0\uc11c \uc720\ud1b5\uc790\uc758 \uc5ed\ud560\uc740 \uc81c\ud55c\uc801\uc778 \ud601\uc2e0\uc5d0 \uba38\ubb3c\ub800\uc73c\ub098 \uace7 \uc0c1\ub2f9\ud55c \ubcc0\ud654\ub97c \ub9de\uc774\ud558\uac8c \ub420 \uac83\uc774\ub2e4. \ud2b9\ud788, \uc138\uacc4\uc801\uc73c\ub85c \ub9e4\uc6b0 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud558\uace0 \uc788\ub294 \ubcf4\ud5d8\ub300\ub9ac\uc810 \ucc44\ub110\uc774 \uc55e\uc73c\ub85c\ub3c4 \uc9c0\uc18d\uac00\ub2a5\ud558\uae30 \uc704\ud574\uc11c\ub294 \uc0dd\uc0b0\uc131 \ubc0f \ud6a8\uc728\uc131 \uc0c1\uc758 \ud601\uc2e0\uc801\uc778 \ubcc0\ud654\uac00 \ud544\uc694\ud558\ub2e4.<\/strong><\/p>\n<p>\uc0dd\uba85\ubcf4\ud5d8 \uc0dd\ud0dc\uacc4\uc5d0\uc11c \uc720\ud1b5\uc774 \uc804\uccb4\uac00\uce58 \uc911 \ub9e4\uc6b0 \ud070 \ube44\uc911\uc744 \ucc28\uc9c0\ud558\uace0 \uc788\ub294\ub370\ub2e4 \ubcf4\ud5d8\uac00\uc785\uc790\ub4e4\uc758 \ud22c\uc790\uc218\uc775\uc774 \uac10\uc18c\ud558\uace0 \uc8fc\uc8fc\ub4e4\uc758 \uacbd\uc81c\uc790\ubcf8 \uc218\uc775\ub3c4 \ud558\ub77d\ud558\uace0 \uc788\uc5b4 \uc0dd\uba85\ubcf4\ud5d8\uc5c5\uc758 \uacbd\uc81c\ub17c\ub9ac\ub294 \uc2ec\uac01\ud55c \ubb38\uc81c\uc5d0 \ucc98\ud574 \uc788\ub2e4.<\/p>\n<p>\uc6b0\ub9ac\ub294 \uc0dd\uba85\ubcf4\ud5d8 \uc720\ud1b5\ud601\uc2e0\uc758 \uc7a0\uc7ac\ub825\uc774 \uc788\ub294 \uac83\uc73c\ub85c \ud310\ub2e8\ub418\ub294 \ub124 \uac00\uc9c0 \uc8fc\uc694 \uc694\uc18c\ub85c\uc11c 1. \ubcf4\ud5d8\ub300\ub9ac\uc810 \ud65c\uc131\ud654; 2. \uc194\ub8e8\uc158 \ud601\uc2e0 3. \ud6a8\uc728\uc131 \uc99d\ub300; 4. \ubcf4\uc720\uacc4\uc57d \ubd80\ubb38 \uad00\ub9ac\ub97c \ud30c\uc545\ud588\ub2e4<\/p>\n<p>\uc6b0\ub9ac\uc758 \ubaa8\ub378\ub9c1\uc740 \uc774 \ub124 \uac00\uc9c0 \uc694\uc18c\ub97c \ubaa8\ub450 \uc801\uc6a9\ud560 \uacbd\uc6b0 \ubcf4\ud5d8\ub300\ub9ac\uc810 \uc778\ub825\uc744 \uc6b4\uc601\ud558\ub294 \ub3c5\uc77c \uba40\ud2f0\ub77c\uc778 \ubcf4\ud5d8\uc0ac\uc758 \uc8fc\uc8fc\uac00\uce58\ub97c \ub450 \ubc30 \uc774\uc0c1 \uc99d\uac00\uc2dc\ud0ac \uc218 \uc788\uc74c\uc744 \ubcf4\uc5ec\uc900\ub2e4 &#8211; <strong>\ubcf4\uae301<\/strong> \ucc38\uc870.<\/p>\n<hr \/>\n<p><strong>\ubcf4\uae30 1:<\/strong><\/p>\n<p>\uc6b0\ub9ac\uc758 \ubaa8\ub378\ub9c1\uc740 \uc720\ud1b5, \uc0c1\ud488, \ud6a8\uc728\uc131, \ubcf4\uc720\uacc4\uc57d\uc744 \ud3ec\uad04\uc801\uc73c\ub85c \ub2e4\ub8f8\uc73c\ub85c\uc368 \ub3c5\uc77c \ubcf4\ud5d8\uc0ac\uc758 \uac00\uce58\ub97c \uc0c1\ub2f9\uc218\uc900\uc73c\ub85c \ub04c\uc5b4\uc62c\ub9b4 \uc218 \uc788\uc74c\uc744 \ubcf4\uc5ec\uc900\ub2e4. (business as usual case =100)<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-882 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc8101-1.png\" alt=\"\" width=\"735\" height=\"513\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc8101-1.png 735w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc8101-1-300x209.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc8101-1-696x486.png 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc8101-1-602x420.png 602w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc8101-1-100x70.png 100w\" sizes=\"auto, (max-width: 735px) 100vw, 735px\" \/><\/p>\n<p>\uc0c1\ub2f9\ud55c \uc7a0\uc7ac\uc801 \uc601\ud5a5: \uc218\uc218\ub8cc \ube44\uc6a9 20% \uac10\uc18c, \uc870\uc815\uac00\ub2a5\ud55c \uad00\ub9ac\ube44\uc6a9 15-25% \uac10\uc18c, \uc131\uc7a5 \ubc0f \uc790\ubcf8 \ubc29\ucd9c(capital release) \uae30\ud68c<\/p>\n<p>\ucd9c\ucc98: \ubaa8\uac74\uc2a4\ud0e0\ub9ac\ub9ac\uc11c\uce58, \ubcf4\uc2a4\ud134\ucee8\uc124\ud305\uadf8\ub8f9<\/p>\n<hr \/>\n<p>\uc6b0\ub9ac\ub294 \uc720\ud1b5 \ud658\uacbd\uc774 \ub354 \ubcf5\uc7a1\ud55c \ubbf8\uad6d\uacfc \uac19\uc740 \uc2dc\uc7a5\uc5d0\uc11c\ub3c4 \ubcf4\uc720\uacc4\uc57d \ubd80\ubb38\uc758 \uae30\ud68c\ub97c \uace0\ub824\ud558\uae30 \uc804\uc5d0 \uc601\uc5c5\uc774\uc775\uc728\uc744 75% \uc774\uc0c1 \uc99d\uac00\uc2dc\ud0ac \uc7a0\uc7ac\ub825\uc774 \uc788\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4. \ubcf4\uae302 \ucc38\uc870.<\/p>\n<p><strong>\ubbf8\uad6d \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc720\ud1b5 \uad6c\uc870\ub97c \ud601\uc2e0\ud55c\ub2e4\uba74 \uc0c1\ub2f9 \uc218\uc900\uc758 \ub9c8\uc9c4 \uc99d\uac00\ub97c \uc774\ub8f0 \uc218 \uc788\ub2e4.<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-883 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc8102-1.png\" alt=\"\" width=\"907\" height=\"502\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc8102-1.png 907w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc8102-1-300x166.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc8102-1-768x425.png 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc8102-1-696x385.png 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc8102-1-759x420.png 759w\" sizes=\"auto, (max-width: 907px) 100vw, 907px\" \/><\/p>\n<hr \/>\n<p>\uc774\ucc98\ub7fc \uc911\uc694\ud55c \ubb38\uc81c\uc5d0 \ub2e8\uc21c\ud55c \ud574\uacb0\ucc45\uc740 \uc5c6\uaca0\uc9c0\ub9cc \uae00\ub85c\ubc8c \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc911\uad6d \ubcf4\ud5d8\uc0ac\ub4e4\uc758 \ub370\uc774\ud130, \uae30\uc220, \ud601\uc2e0 \uc911\uc2ec\uc758 \uc0dd\uc0b0\uc131 \uac1c\uc120 \uc0ac\ub840\uc5d0\uc11c \uad50\ud6c8\uc744 \uc5bb\uc744 \uc218 \uc788\ub2e4. \ubb3c\ub860, \uadf8\ub7ec\ud55c \ud601\uc2e0\uc801\uc778 \ubcc0\ud654\ub294 \ub9d0\ucc98\ub7fc \uc27d\uc9c0\ub9cc\uc740 \uc54a\uc744 \uac83\uc774\ub2e4. \ubcf4\ud5d8\uc124\uacc4\uc0ac\ub4e4\uc740 \uc608\uc804\ubd80\ud130 \ubcc0\ud654\ub97c \uac70\ubd80\ud574\uc654\uace0 \ubcc0\ud654\uc5d0 \ud544\uc694\ud55c \uae30\uc220 \ubc0f \ud601\uc2e0\uc740 \uc0c1\ub2f9\ud55c \uc218\uc900\uc774\uba70 \uc5b4\ub5a4 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc5ec\uc804\ud788 \uc2e0\uaddc\uacc4\uc57d\ubcf4\ub2e4\ub294 \ubcf4\uc720\uacc4\uc57d\uc5d0 \ub354 \ub9ce\uc740 \uac00\uce58\uac00 \uc788\ub2e4\uace0 \uc0dd\uac01\ud560 \uc218\ub3c4 \uc788\ub2e4. \uadf8\ub807\ub2e4\uba74, \uc6b0\ub9ac\ub294 \uc2e0\uc18d\ud558\uac8c \ub300\ucc98\ud558\ub294 \uae30\uc5c5\ub4e4\uc5d0\uac8c \uae30\ud68c\uac00 \uc788\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4. \uaddc\uc81c\ud658\uacbd\uc740 \uae09\ubcc0\ud558\uace0 \uc788\uace0 \uc778\uc811\uc0b0\uc5c5\uc758 \ub514\uc9c0\ud138 \uae30\uc5c5\ub4e4\uc740 \ub04a\uc784\uc5c6\uc774 \ubcf4\ud5d8\uc5c5\uc744 \uc640\ud574\ud560 \ubc29\ubc95\uc744 \ubaa8\uc0c9\ud558\uace0 \uc788\uc73c\uba70 \uc804\ud1b5\uc801\uc778 \uacbd\uc7c1 \uc555\ub825\uc740 \uacc4\uc18d\ud574\uc11c \uc99d\uac00\ud558\uace0 \uc788\ub2e4.<\/p>\n<hr \/>\n<p><em>\uc6a9\uc5b4 \uc815\uc758\uc5d0 \ub300\ud558\uc5ec: \ubcf8 \ubcf4\uace0\uc11c \uc804\ubc18\uc5d0 \uac78\uccd0 \u201c\ubcf4\ud5d8\uc124\uacc4\uc0ac(agents)\u201d\uc640 \u201c\ubcf4\ud5d8\ub300\ub9ac\uc810(agency)\u201d \uc774\ub77c\ub294 \uc6a9\uc5b4\uac00 \uc0ac\uc6a9\ub418\uace0 \uc788\ub294\ub370 \uc774\ub4e4\uc740 \uc2dc\uc7a5\/\uc9c0\uc5ed\uc5d0 \ub530\ub77c \ub2e4\ub978 \uc758\ubbf8\ub97c \uac16\uace0 \uc788\uae30 \ub54c\ubb38\uc5d0 \uad00\ucc30\ub418\ub294 \ub0b4\uc6a9\uacfc \uacb0\ub860\uc740 \uc5b4\ub5a0\ud55c \ud615\ud0dc\uc758 \uc0ac\ub78c \ub300 \uc0ac\ub78c \uac04 \uc720\ud1b5\uc5d0\ub3c4 \uad00\ub828\ub420 \uc218 \uc788\uc73c\uba70, \uc790\uc0ac\uc758 \uc720\ud1b5\uacfc \uc81c3\uc790\uc5d0 \uc758\ud55c \uc720\ud1b5\uac04\uc758 \ubd84\uba85\ud55c \ucc28\uc774\uac00 \uac00\ub2a5\ud558\ub2e4. \uc0c1\ud488\uc758 \uad00\uc810\uc5d0\uc11c \u2018\uc0dd\uba85\ubcf4\ud5d8\u2019\uc740 \ub113\uc740 \ubc94\uc704\uc758 \ubcf4\uc7a5\uc131, \uc800\ucd95\uc131, \ud1f4\uc9c1\uc5f0\uae08, \uae30\ud0c0 \ud22c\uc790\ud615 \uc0c1\ud488\uc744 \ub9dd\ub77c\ud55c\ub2e4.<\/em><\/p>\n<hr \/>\n<h3><span style=\"font-size: 18pt;\"><strong>\uc804\uccb4 \uac00\uce58\uc758 \uac1c\uc120\uacfc \ubaa8\ub4e0 \uc774\ud574\ub2f9\uc0ac\uc790\ub97c \uc704\ud55c \u201c\ud61c\ud0dd\u201d\uc758 \ucc3d\ucd9c<\/strong><\/span><\/h3>\n<p>\uc6b0\ub9ac\ub294 \uc0dd\uba85\ubcf4\ud5d8 \uc0dd\ud0dc\uacc4\uc5d0\uc11c \uc720\ud1b5\uc774 \uc804\uccb4 \uac00\uce58 \uc911 \ub9e4\uc6b0 \ud070 \ube44\uc911\uc744 \ucc28\uc9c0\ud558\ub294 \ubc18\uba74, \ubcf4\ud5d8\uac00\uc785\uc790\ub294 (\ud22c\uc790\uc218\uc775 \uac10\uc18c \ubc0f \uc790\ubcf8 \uc694\uac74\uc758 \uc99d\uac00\ub85c \uc778\ud574) \ucda9\ubd84\ud55c \uac00\uce58\ub97c \uc5bb\uc9c0 \ubabb\ud558\uace0 \uc788\uace0 \uc8fc\uc8fc\uc758 \uacbd\uc81c\uc790\ubcf8 \uc218\uc775\uc740 \uac10\uc18c\ud558\uace0 \uc788\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4.<\/p>\n<p>\ubcf4\uae30 3 \ub3c5\uc77c\uc758 \uc0ac\ub840\uc5d0\uc11c \ubcfc \uc218 \ub4ef\uc774, \uc720\ud1b5\uc740 \ucc3d\ucd9c\ub41c \uac00\uce58 \uc911 \uac00\uc7a5 \ud070 \ube44\uc911\uc744 \ucc28\uc9c0\ud558\uace0 \uc788\uc73c\uba70(38%), \uc774\ub294 \uace0\uac1d \ucc3d\ucd9c \uac00\uce58 35%\ub97c \uc55e\uc11c\ub294 \uac83\uc73c\ub85c \uace0\uac1d\uc740 \uc774\ud574\ub2f9\uc0ac\uc790 \uc911 2007\ub144 \uc774\ud6c4 \ud30c\uc545\ub41c \uac00\uce58 \uae30\uc900\uc73c\ub85c \uac00\uc7a5 \ud070 \uac10\uc18c\uc728\uc744 \ubcf4\uc600\ub2e4.<\/p>\n<p>\ubaa8\ub4e0 \uc774\ud574\ub2f9\uc0ac\uc790\ub4e4\uc5d0\uac8c \uc0c1\ud638 \ud61c\ud0dd\uc744 \ucc3d\ucd9c\ud560 \uc218 \uc788\ub294 \uc720\ud1b5 \ubd80\ubb38\uc758 \uadfc\ubcf8\uc801\uc778 \ud601\uc2e0(\ud2b9\ud788 \ubcf4\ud5d8\ub300\ub9ac\uc810 \ucc44\ub110)\uc774 \ud544\uc694\ud558\ub2e4.<\/p>\n<hr \/>\n<p><strong>\ubcf4\uae30 3:<\/strong><\/p>\n<p>\uc720\ud1b5\uc740 \uace0\uac1d\uc758 \ud76c\uc0dd\uc73c\ub85c \uc218\uc775\ub960 \ube44\uc911\uc774 \ucee4\uc84c\uc73c\ub098 \uc774\ub294 \uc9c0\uc18d\uac00\ub2a5\uc131\uc774 \uc5c6\ub294 \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4. (\ud574\ub2f9 \uc0ac\ub840\ub294 \uc804\ud1b5\uc801\uc778 \ub3c5\uc77c \uc0dd\ubcf4\uc0ac \ubd84\uc11d\uc5d0 \uae30\ubc18\ud568)<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-884 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc8103.png\" alt=\"\" width=\"873\" height=\"509\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc8103.png 873w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc8103-300x175.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc8103-768x448.png 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc8103-696x406.png 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc8103-720x420.png 720w\" sizes=\"auto, (max-width: 873px) 100vw, 873px\" \/><\/p>\n<p><strong>\ubcf4\uae30 4:<\/strong><\/p>\n<p>\uc774\ud574\ub2f9\uc0ac\uc790\ubcc4 \uc7a0\uc7ac\uc801 \uc601\ud5a5<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-885 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc8104.png\" alt=\"\" width=\"879\" height=\"437\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc8104.png 879w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc8104-300x149.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc8104-768x382.png 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc8104-696x346.png 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc8104-845x420.png 845w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc8104-324x160.png 324w\" sizes=\"auto, (max-width: 879px) 100vw, 879px\" \/><\/p>\n<hr \/>\n<p><strong>\ubc30\uacbd:<\/strong><br \/>\n<strong>\ubbf8\uad6d, \uc720\ub7fd, \uc544\uc2dc\uc544 \uc0dd\ubcf4\uc0ac\ub4e4\uc740 \ub2e4\uc74c\uacfc \uac19\uc740 \uc5ec\ub7ec \uac00\uc9c0 \ub3c4\uc804\uacfc\uc81c\ub4e4\uc5d0 \uc9c1\uba74\ud574 \uc788\ub2e4<\/strong><\/p>\n<p><strong>\u2022<\/strong> \uae08\ub9ac: \uc7a5\uae30\uae08\ub9ac\uc758 \ud558\ub77d\uc740 \uc880\ub354 \u2018\uacbd\uc81c\uc801\uc778\u2019 \uc9c0\uae09\uc5ec\ub825 \uc694\uad6c\uc790\ubcf8 \uaddc\uc81c(\uc608: \uc720\ub7fd\uc758 Solvency 2, \uc911\uad6d\uc758 C-ROSS, Swiss Solvency Test)\ucabd\uc73c\ub85c\uc758 \uafb8\uc900\ud55c \uc804\ud658\uacfc \ud568\uaed8 \uc8fc\uc8fc\uc218\uc775\ub960\uc5d0 \uc0c1\ub2f9\ud55c \uc555\ubc15\uc744 \uac00\ud558\uace0 \uc788\ub2e4.<br \/>\n<strong>\u2022<\/strong> \uaddc\uc81c: \uae30\uc5c5\ud589\ud0dc \uaddc\uc81c\uac00 \uac15\uc870\ub418\uba74\uc11c \uac00\uaca9 \ud22c\uba85\uc131 \uac15\ud654\uc640 \uc218\uc218\ub8cc \uc778\ud558 \uacbd\ud5a5\uc740 \ubd88\uac00\ud53c\ud558\uac8c \ub418\uc5c8\ub2e4. (\uc608: \uc601\uad6d\uc758 Retail Distribution Review, \ubbf8\uad6d\uc758 SEC\/ NAIC)<br \/>\n<strong>\u2022<\/strong> \uc778\uc7ac: \ud2b9\ud788 \uc120\uc9c4\uad6d \uc2dc\uc7a5\uc758 \ubcf4\ud5d8\uc124\uacc4\uc0ac \uc778\ub825\uc740 \ub178\ub839\ud654\ub418\uace0 \uc788\uace0(\uc544\ub798\uc758 \ubcf4\uae30 5 \uc11c\ubca0\uc774 \uacb0\uacfc \ucc38\uc870), \ub192\uc740 \uc774\uc9c1\ub960\uc740 \uc5ec\uc804\ud788 \ubb38\uc81c\uac00 \ub418\uace0 \uc788\uc73c\uba70, \uc0b0\uc5c5 \uc804\uccb4\uac00 \uc778\uc7ac \uc720\uce58\uc5d0 \uc5b4\ub824\uc6c0\uc744 \uacaa\uace0 \uc788\ub2e4(\uc608: \ubc00\ub808\ub2c8\uc5c4 \uc138\ub300\ub294 \uc77c\ubc18\uc801\uc73c\ub85c \ubcf4\ud5d8\uc5c5\uc744 \uc120\ud638\ud558\uc9c0 \uc54a\ub294\ub2e4).<br \/>\n<strong>\u2022<\/strong> \uc0c1\ud488: \uc804\ud1b5\uc801\uc778 \uc0dd\ubcf4\uc5c5\uc758 \uac00\uce58\uc81c\uc548\uc694\uc18c\ub294 \uace0\uac1d\uc758 \uacf5\uac10\uc744 \uc5bb\uc9c0 \ubabb\ud558\uace0 \uc788\uc73c\uba70(\uc608: \ubbf8\uad6d\uc758 \uac1c\uc778 \uc0dd\ubcf4\uac00\uc785\ub960 \uc0ac\uc0c1\ucd5c\uc800\uce58 \uae30\ub85d), \ub300\ub2e4\uc218\uc758 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uace0\uac1d\ub2c8\uc988 \ubcc0\ud654\uc5d0 \ub530\ub978 \uc804\uccb4\uc801\uc778 \uc194\ub8e8\uc158\uc744 \ucc3d\ucd9c\ud558\ub294 \uac83\uc774 \uc544\ub2c8\ub77c \uc5ec\uc804\ud788 \uc0c1\ud488 \uc704\uc8fc\uc758 \uac1c\ubc1c\uc5d0 \ucd08\uc810\uc744 \ub9de\ucd94\uace0 \uc788\ub2e4.<br \/>\n<strong>\u2022<\/strong> \ud6a8\uc728\uc131: \uc601\uc5c5 \ud504\ub85c\uc138\uc2a4\ub294 \uc5ec\uc804\ud788 \u201c\uad6c\uc2dd\u201d\uc774\uace0 \ubc88\uac70\ub85c\uc6b8 \ubfd0 \uc544\ub2c8\ub77c \ub514\uc9c0\ud138\ud654 \uc120\ub450\uc8fc\uc790\ub4e4\uc5d0 \uc758\ud574 \uae09\ubcc0\ud558\uace0 \uc788\ub294 \uace0\uac1d \uae30\ub300\uc218\uc900\uc5d0 \ubbf8\uce58\uc9c0 \ubabb\ud558\uace0 \uc788\ub2e4. \uc5ec\ub7ec \uae30\uc874 \uc2dc\uc2a4\ud15c\ub4e4\uacfc \uc885\uc774\uc11c\ub958 \uc911\uc2ec\uc758 \uc218\uc791\uc5c5 \ud504\ub85c\uc138\uc2a4\ub85c \uc778\ud574 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uae09\uc18d\ub3c4\ub85c \uc9c4\ud654\ud558\uace0 \uc788\ub294 \uacbd\uc7c1\uad6c\ub3c4 \uc18d\uc5d0\uc11c \ubbfc\ucca9\ud558\uac8c \ub300\uc751\ud558\uae30\uac00 \ud6e8\uc52c \ub354 \uc5b4\ub824\uc6cc\uc84c\ub2e4.<br \/>\n<strong>\u2022 <\/strong>\ubcf4\uc720\uacc4\uc57d: \ud2b9\ud788 \uc131\uc219\uc2dc\uc7a5\uc758 \uc77c\ubd80 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \ub300\uaddc\ubaa8\uc758 \uc800\uc131\uacfc \ubcf4\uc720\uacc4\uc57d \ubb38\uc81c\ub97c \ub2e4\ub8e8\uc5b4\uc57c \ud560 \uacbd\uc6b0\ub3c4 \uc788\ub2e4. \ub610\ud55c, \uae30\uc874\uc758 \ube44\uc6a9 \uad6c\uc870\ub97c \uc720\uc9c0\ud558\uae30 \uc704\ud574 \uc190\uc2e4\uc744 \uac10\uc218\ud558\uace0 \uc2e0\uaddc \uacc4\uc57d\uc774 \uccb4\uacb0\ub418\uae30\ub3c4 \ud55c\ub2e4.<\/p>\n<p><strong>\uc5ec\ub7ec \uc2dc\uc7a5\uc5d0\uc11c \ubcf4\ud5d8\ub300\ub9ac\uc810\uc758 \uc704\uc0c1\uc774 \ud558\ub77d\ud588\ub2e4:<\/strong><\/p>\n<p><strong>\u2022<\/strong> \uace0\uac1d\uc758 \uae30\ub300\uc218\uc900\uc740 \ub04a\uc784\uc5c6\uc774 \uc9c4\ud654\ud558\uace0 \uae30\uc220\uc774 \uacc4\uc18d\ud574\uc11c \uacbd\uc7c1\uad6c\ub3c4\ub97c \ubcc0\ud654\uc2dc\ud0a4\uace0 \uc788\ub294 \uc0c1\ud669\uc5d0\uc11c, \uac70\uc758 \ubc31 \ub144\uac04 \ub9e4\uc6b0 \uc81c\ud55c\uc801\uc778 \ud601\uc2e0\ub9cc\uc744 \uacbd\ud5d8\ud55c \ubcf4\ud5d8\ub300\ub9ac\uc810(\ud2b9\ud788 \uc804\uc18d \ub300\ub9ac\uc810)\ub4e4\uc740 \ub3c4\uc804\uacfc\uc81c\uac00 \uac00\uc7a5 \ub9ce\uc740 \ucc44\ub110\ub85c \ubcf4\uc778\ub2e4.<br \/>\n<strong>\u2022<\/strong> \ubcf4\ud5d8\uc0ac\uac00 \ub9e4\uc6b0 \ud601\uc2e0\uc801\uc778 \uc811\uadfc\ubc29\uc2dd\uc744 \ucc44\ud0dd\ud55c \ud765\ubbf8\ub85c\uc6b4 \uc0ac\ub840(\uc608: \ud551\uc548)\ub3c4 \uc788\uc9c0\ub9cc \ub300\ubd80\ubd84\uc758 \uae30\uc874 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uba85\ud655\ud55c \ub85c\ub4dc\ub9f5\uc744 \uc124\uc815\ud558\uc5ec \uac00\uce58\uc0ac\uc2ac \uc804\ubc18\uc5d0 \uac78\uce5c \uc5d4\ub4dc\ud22c\uc5d4\ub4dc \ud601\uc2e0\uc744 \uc2e4\ud604\ud558\ub294 \uac83\uc774 \uc544\ub2c8\ub77c \ud2b9\uc815 \uc694\uc18c\ub4e4\ub9cc\uc744 \uc911\uc2ec\uc73c\ub85c \ub300\ub9ac\uc810 \ucc44\ub110\uc744 \uac1c\uc120\ud558\ub824 \ud55c\ub2e4.<\/p>\n<hr \/>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-886 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc8105.png\" alt=\"\" width=\"863\" height=\"520\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc8105.png 863w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc8105-300x181.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc8105-768x463.png 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc8105-696x419.png 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc8105-697x420.png 697w\" sizes=\"auto, (max-width: 863px) 100vw, 863px\" \/><\/p>\n<hr \/>\n<h3><span style=\"font-size: 18pt;\"><strong>\ud601\uc2e0\ub41c \ubcf4\ud5d8\ub300\ub9ac\uc810 \ucc44\ub110\uc758 \ubc1d\uc740 \ubbf8\ub798<\/strong><\/span><\/h3>\n<p><em>\uc6b0\ub9ac\ub294 \uc0dd\ubcf4 \uc0c1\ud488\uc774 \ubcf5\uc7a1\ud55c \uacbd\uc6b0\uac00 \ub9ce\uace0 \uc18c\ube44\uc790\ub4e4\uc774 \uc5ec\uc804\ud788 \uc0ac\ub78c\uacfc\uc758 \uad00\uacc4\ub97c \uc911\uc2dc\ud558\uae30 \ub54c\ubb38\uc5d0 \uc804\ud1b5\uc801\uc778 \ubcf4\ud5d8\ub300\ub9ac\uc810\uc774 \uc9c1\uba74\ud55c \uac01\uc885 \ub3c4\uc804\uacfc\uc81c\ub4e4\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc0ac\ub78c \ub300 \uc0ac\ub78c\uac04 \uc720\ud1b5 \ud615\ud0dc \uc911 \uc77c\ubd80\ub294 \uacc4\uc18d\ud574\uc11c \uac00\uce58\ub97c \uc778\uc815\ubc1b\uc744 \uac83\uc774\ub77c\uace0 \uc0dd\uac01\ud55c\ub2e4. \uadf8\ub807\uae30 \ub54c\ubb38\uc5d0, \uae30\uc220(\ub514\uc9c0\ud138, \ub370\uc774\ud130, \ubd84\uc11d \ub4f1)\ub85c \uc778\ud574 \uc804\ubc18\uc801\uc778 \uacbd\ud5d8\uc774 \uc0c1\ub2f9 \uc218\uc900 \uac1c\uc120\ub418\uace0 \ubcf4\ud5d8\uc124\uacc4\uc0ac\uc758 \uc5ed\ud560\uc774 \ubcc0\ud654\ub418\uba70 \ubaa8\ub4e0 \uc774\ud574\ub2f9\uc0ac\uc790\ub4e4\uc5d0\uac8c \ub354 \ub098\uc740 \uac00\uce58\uac00 \uc81c\uacf5\ub418\ub294 \ud558\uc774\ube0c\ub9ac\ub4dc \uc811\uadfc\ubc29\uc2dd\uc5d0 \ub300\ud55c \uc120\ud638\uac00 \uc99d\uac00\ud558\uace0 \uc788\ub2e4.<\/em><\/p>\n<p>\ubcf4\ud5d8\uc0ac\uac00 \uc6b0\uc218\ud55c \uace0\uac1d \ubc0f \uc124\uacc4\uc0ac \uacbd\ud5d8\uc744 \uc81c\uacf5\ud558\ub294\ub370 \uc788\uc5b4, \uae30\uc220(\ub514\uc9c0\ud138, \ub370\uc774\ud130, \ubd84\uc11d \ub4f1)\uc740 \uac08\uc218\ub85d \ud544\uc218\uc801\uc778 \uc694\uc18c\uac00 \ub418\uace0 \uc788\uc73c\uba70 \uc0dd\uba85\ubcf4\ud5d8 \uc720\ud1b5\uc758 \uc9c0\uc18d\uac00\ub2a5\ud558\uc9c0 \uc54a\uc740 \uacbd\uc81c\ub17c\ub9ac\ub97c \ud601\uc2e0\ud558\uae30 \uc704\ud55c \ud575\uc2ec \uc694\uc18c\uc774\ub2e4. \uc124\uacc4\uc0ac\uc640 \uace0\uac1d\uc758 \uacbd\ud5d8\uc774 \uc810\uc810 \ub354 \ub514\uc9c0\ud138\ud654\ub428\uc5d0 \ub530\ub77c \uc124\uacc4\uc0ac\uc758 \uc5ed\ud560\uc740 \uc9c4\ud654\ud560 \uc218 \ubc16\uc5d0 \uc5c6\uc744 \uac83\uc774\uace0 \uace0\uc9c8\uc801\uc778 \uc0c1\ud488 \uac1c\ubc1c \ubc0f \uc720\ud1b5 \ubd80\ubb38\uc758 \ubcbd\uc740 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc810\uc810 \ub354 \uc720\ud1b5 \ud30c\ud2b8\ub108\uc5d0\uac8c \uad8c\ud55c\uc744 \ub118\uae30\ub294 \ubc29\uc548\uc744 \ubaa8\uc0c9\ud568\uc5d0 \ub530\ub77c \ubb34\ub108\uc9c0\uae30 \uc2dc\uc791\ud558\uace0 \uc788\ub2e4.<\/p>\n<p>\ub514\uc9c0\ud138 \uc9c1\uc811\ud310\ub9e4\ub294 \ud5a5\ud6c4 \uba87 \ub144\uac04 \uacc4\uc18d\ud574\uc11c \uc99d\uac00\ud560 \uac83\uc774\uba70, \uc774\uc640 \ub3d9\uc2dc\uc5d0 \uc815\uae30\ubcf4\ud5d8, \ud22c\uc790\ud615\uc800\ucd95\uc131(\ubcc0\uc561) \uc0c1\ud488, \uac1c\uc778 \ubcf4\ud5d8\ucc98\ub7fc \uc880\ub354 \uac04\ub2e8\ud558\uace0 \uc27d\uac8c \uccb4\uacb0\ub418\ub294 \uc0c1\ud488\uc5d0 \ub354 \uc801\ud569\ud574\uc9c8 \uac00\ub2a5\uc131\uc774 \ub192\ub2e4. \ub514\uc9c0\ud138 \uc9c1\uc811\ud310\ub9e4\ub294 \uae09\uaca9\ud55c \uc99d\uac00\uc138\uac00 \uacc4\uc18d\ub418\ub354\ub77c\ub3c4 \uc5ec\uc804\ud788 \uc804\ud1b5\uc801\uc778 \ucc44\ub110\uc5d0 \ube44\ud574 \uc5f4\uc138\uc77c \uac83\uc774\uae30 \ub54c\ubb38\uc5d0 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \ub300\ub9ac\uc810 \ucc44\ub110\uc744 \ud601\uc2e0\ud558\uace0 \ud65c\uc131\ud654\ud560 \ud544\uc694\uac00 \uc788\ub2e4.<\/p>\n<hr \/>\n<p><em>&#8220;<\/em><em>\ubcf4\ud5d8\ub300\ub9ac\uc810\uc758 \ubcc0\ud654\uac00 \uc810\uc9c4\uc801\uc774\uc5b4\uc57c \ud558\ub294\uc9c0 \uc544\ub2c8\uba74 \uae09\uaca9\ud574\uc57c \ud558\ub294\uc9c0\ub97c \ub17c\uc758\ud560 \ud544\uc694\uac00 \uc788\ub2e4.\u201d<\/em><br \/>\n<strong>\uc720\ub7fd\uad8c \ubcf4\ud5d8\uc0ac<\/strong><\/p>\n<hr \/>\n<p>\ubcf8 \ubcf4\uace0\uc11c\ub294 \ub450 \uac1c\uc758 \uc120\uc9c4\uad6d \uc2dc\uc7a5(\ub3c5\uc77c \ubc0f \ubbf8\uad6d)\uacfc \ub450 \uac1c\uc758 \uc2e0\ud765\uc2dc\uc7a5(\uc911\uad6d \ubc0f \uc778\ub3c4)\uc73c\ub85c \uad6c\uc131\ub41c \ub124 \uac1c\uc758 \uc8fc\uc694 \uc2dc\uc7a5\uc744 \uba74\ubc00\ud788 \uc0b4\ud3b4\ubcf4\uc558\ub2e4. \uc6b0\ub9ac\ub294 \ubcf4\ud5d8\ub300\ub9ac\uc810 \uae30\uc800\uc758 \uacbd\uc81c\ub17c\ub9ac\uac00 \uc5b4\ub5bb\uac8c \ubcc0\ud654\ud558\uace0 \uc788\ub294\uc9c0 \uc870\uc0ac\ud558\uace0 \uc720\uc758\ubbf8\ud55c \uc601\ud5a5\uc744 \ucc3d\ucd9c\ud560 \uc218 \uc788\ub294 \uadfc\ubcf8\uc801\uc778 \uc694\uc18c\ub4e4\uc744 \ud30c\uc545\ud588\uc73c\uba70 \ub300\ub9ac\uc810 \ucc44\ub110\uc744 \uc7a5\uae30\uc801\uc73c\ub85c \uc9c0\uc18d\uac00\ub2a5\ud55c \uc785\uc9c0\uc5d0 \uc62c\ub824\ub193\uc744 \uc218 \uc788\ub294 \ub2e4\uc591\ud55c \uc804\ub7b5\uc801 \ub300\uc548\ub4e4\uc744 \ud3c9\uac00\ud588\ub2e4.<\/p>\n<p>\ubcf8 \ubcf4\uace0\uc11c\ub294 50\uc5ec \uac74\uc758 \ubcf4\ud5d8\uc0ac \uace0\uc704\uae09 \uc784\uc6d0 \ub300\uc0c1 \uc778\ud130\ubdf0, 4 \uac1c\uad6d 850\uba85\uc758 \ubcf4\ud5d8\uc124\uacc4\uc0ac \ub300\uc0c1 \uc54c\ud30c\uc640\uc774\uc988 \uc11c\ubca0\uc774, \ub3c5\uc77c\uc758 \uc720\ud1b5\uacfc \uc2e0\uaddc\uacc4\uc57d \ubc0f \ubcf4\uc720\uacc4\uc57d\uc758 \uacbd\uc81c\ub17c\ub9ac \uac04\uc758 \uc0c1\ud638\uc791\uc6a9\uc744 \ud30c\uc545\ud558\uae30 \uc704\ud55c \uace0\uc720\uc758 \uc7ac\ubb34 \ubaa8\ub378\uc744 \uc774\uc6a9\ud558\uc5ec \uc791\uc131\ub418\uc5c8\ub2e4. <strong>\u2013 \ubcf4\uae30 6<\/strong> \ucc38\uc870.<\/p>\n<hr \/>\n<p><strong>\ubcf4\uae30 6:<\/strong><\/p>\n<p>\uc5f0\uad6c\uc758 \uad6c\uc131\uc694\uc18c<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-887 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc8106.png\" alt=\"\" width=\"691\" height=\"383\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc8106.png 691w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc8106-300x166.png 300w\" sizes=\"auto, (max-width: 691px) 100vw, 691px\" \/><\/p>\n<hr \/>\n<p>\uc804\ubc18\uc801\uc778 \ub300\ub9ac\uc810 \uc778\ub825 \uaddc\ubaa8\uac00 \uae09\uc99d\ud568\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \ubd88\uad6c\ud558\uace0 \ub300\ub9ac\uc810 \uc0dd\uc0b0\uc131\uc744 \uac1c\uc120\ud560 \uc218 \uc788\uc5c8\ub358 \uc911\uad6d\uc2dc\uc7a5\uc740 \uc804\uc138\uacc4 \ubcf4\ud5d8\uc0ac\ub4e4\uc5d0\uac8c \ud765\ubbf8\ub85c\uc6b4 \uc2dc\uc0ac\uc810\uc744 \uc81c\uc2dc\ud55c\ub2e4. \uadf8\ub7ec\ub098, \uc5ec\uae30\uc5d0\uc11c \uc8fc\uc9c0\ud560 \uc810\uc740 \ub9ce\uc740 \uc911\uad6d \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc120\uc9c4\uad6d \uc2dc\uc7a5 \ubcf4\ud5d8\uc0ac\uc5d0 \ube44\ud574 \uc0c1\ub300\uc801\uc73c\ub85c \uace0\uc131\uc7a5 \ud658\uacbd\uc5d0\uc11c \uc6b4\uc601\ub418\uace0 \uc788\uc73c\uba70 \uae30\uc874 \uae30\uc220 \ubc0f \ubcf4\uc720\uacc4\uc57d \ubd80\ubd84\uc5d0 \uad6c\uc560\ub97c \ubc1b\uc9c0 \uc54a\ub294\ub2e4\ub294 \uc0ac\uc2e4\uc774\ub2e4.<\/p>\n<h3><span style=\"font-size: 18pt;\"><strong>\ubcf4\ud5d8\ub300\ub9ac\uc810\uc758 \ubbf8\ub798 \u2013 \ubcc0\ud654\ub97c \uc704\ud55c \uc5b4\uc820\ub2e4<\/strong><\/span><\/h3>\n<p>\uc6b0\ub9ac\ub294 \ub300\ub9ac\uc810 \uc0dd\uc0b0\uc131 \uac1c\uc120\uacfc \ud6a8\uc728\uc131 \uc99d\ub300\ub294 \ud604\uc7ac\uc758 \uc9c0\uc18d\uac00\ub2a5\ud558\uc9c0 \uc54a\uc740 \uc5c5\uacc4 \uacbd\uc81c\ub17c\ub9ac\ub97c \ud574\uacb0\ud558\uace0 \ubaa8\ub4e0 \uc774\ud574\ub2f9\uc0ac\uc790\ub97c \uc704\ud55c \uac00\uce58\ub97c \ucc3d\ucd9c\ud558\uae30 \uc704\ud55c \uacfc\uc81c\ub77c\uace0 \uc0dd\uac01\ud55c\ub2e4. \uac00\uaca9 \ud22c\uba85\uc131, \ub354 \uace0\uac1d\uce5c\ud654\uc801\uc778 \uaddc\uc81c(\uc608: \ub354 \uc5c4\uaca9\ud55c \uc801\ud569\uc131 \uae30\uc900), \ub354 \ub0ae\uc740 \uc0c1\ud488 \ubd80\uac00\ubcf4\ud5d8\ub8cc\uc758 \ubc29\ud5a5\uc73c\ub85c \uc6c0\uc9c1\uc774\uace0 \uc788\ub294 \uae00\ub85c\ubc8c \ud2b8\ub80c\ub4dc\ub294 \ud604\uc7ac\uc758 \uc0c1\ud488 \ud310\ub9e4 \uac74\ub2f9 \ubcf4\uc0c1 \uc218\uc900(\ub300\ubd80\ubd84 \uc18c\ube44\uc790\uc640 \ubcf4\ud5d8\uc0ac\uac00 \ubd80\ub2f4)\uc774 \uc7a5\uae30\uc801\uc73c\ub85c \uc9c0\uc18d\uac00\ub2a5\ud558\uc9c0 \uc54a\ub2e4\ub294 \uc6b0\ub9ac\uc758 \uc758\uacac\uc744 \ub4b7\ubc1b\uce68\ud55c\ub2e4.<\/p>\n<p>\uadf8\ub7ec\ub098, \uc544\ub798\uc758 \ubcf4\uae30 7\uc5d0 \uc18c\uac1c\ub41c \ud575\uc2ec \uc694\uc18c\ub4e4\uc744 \uc911\uc2ec\uc73c\ub85c \ub300\ub9ac\uc810\uc744 \ud601\uc2e0\ud560 \uc218 \uc788\ub294 \ubcf4\ud5d8\uc0ac\ub4e4\uc758 \uacbd\uc6b0\uc5d0\ub294, \uc0c1\ub2f9\ud55c \uc218\uc900\uc758 \uac00\uce58 \ucc3d\ucd9c \ubc0f \uc774\uc640 \uad00\ub828\ub41c \ubca8\ub958\uc5d0\uc774\uc158 \uc0c1\uc2b9 \uae30\ud68c\uac00 \uc874\uc7ac\ud55c\ub2e4. \uc774\ub7ec\ud55c \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc2e0\uacc4\uc57d\ube44 ~10-20% \uac10\uc18c, \uc870\uc815\uac00\ub2a5\ud55c \uad00\ub9ac\ube44\uc6a9 ~20-30% \uac10\uc18c, \uc131\uc7a5(\uc99d\ubd84 \ubcf4\ud5d8\ub8cc \ubc0f \ubcf4\uc218\uae30\ubc18 \uc218\uc775) \ubc0f \uc790\ubcf8 \ubc29\ucd9c \uae30\ud68c(\ub300\ubd80\ubd84 \ubcf4\uc720\uacc4\uc57d \ubd80\ubd84\uc5d0 \ub300\ud55c \uc870\uce58\ub85c \uc778\ud55c) \ub4f1 \uc0c1\ub2f9\ud55c \ud6a8\uacfc\ub97c \ucc3d\ucd9c\ud560 \uc7a0\uc7ac\ub825\uc774 \uc788\ub2e4.<\/p>\n<hr \/>\n<p><strong>\ubcf4\uae30 7:<\/strong><\/p>\n<p>\uc0dd\uba85\ubcf4\ud5d8 \ub300\ub9ac\uc810 \ud601\uc2e0\uc744 \uc704\ud55c \ud575\uc2ec \uc694\uc18c<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-888 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-7.png\" alt=\"\" width=\"1111\" height=\"769\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-7.png 1111w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-7-300x208.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-7-1024x709.png 1024w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-7-768x532.png 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-7-218x150.png 218w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-7-696x482.png 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-7-1068x739.png 1068w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-7-607x420.png 607w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-7-100x70.png 100w\" sizes=\"auto, (max-width: 1111px) 100vw, 1111px\" \/><\/p>\n<p>\uc6b0\ub9ac\ub294 \uc2e0\ud765\uc2dc\uc7a5 \ubcf4\ud5d8\uc0ac\uc758 \uc804\ub7b5\uc801\uc778 \ucd08\uc810\uc740 \uc720\ud1b5\ucc44\ub110 \uc790\uccb4\uc5d0 \ub9de\ucdb0\uc838\uc57c \ud55c\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4. \uadf8\ub7ec\ub098, \uc120\uc9c4\uad6d \ubcf4\ud5d8\uc0ac\uc758 \uc804\ub7b5\uc801 \ucd08\uc810\uc740 \uc880\ub354 \uc804\uccb4\uc801\uc778 \uad00\uc810\uc744 \uc694\ud558\uba70, \uae30\uc874\uc758 \ube44\uc6a9\uad6c\uc870\ub97c \uc720\uc9c0\ud558\uae30 \uc704\ud574 \uc190\ud574\ub97c \uac10\uc218\ud558\uace0 \uc2e0\uaddc\uacc4\uc57d\uc774 \uccb4\uacb0\ub418\ub294 \uacbd\uc6b0\uac00 \uc788\uae30 \ub54c\ubb38\uc5d0 \uc2e0\uaddc\uacc4\uc57d\uacfc \ubcf4\uc720\uacc4\uc57d \uac04\uc758 \uc5ed\ud559\uad00\uacc4\uc640 \uacbd\uc81c\ub17c\ub9ac\ub97c \ub2e4\ub8e8\uc5b4\uc57c \ud55c\ub2e4.<\/p>\n<p>\uc0dd\ubcf4 \uc0c1\ud488\uc740 \ubcf5\uc7a1\ud55c \uacbd\uc6b0\uac00 \ub9ce\uace0 \uace0\uac1d\ub4e4\uc740 \ubcf5\uc7a1\ud55c \uc7ac\ubb34 \uacb0\uc815\uc744 \ub0b4\ub9b4 \ub54c \uc790\ubb38\uc744 \ubc1b\uae30\ub97c \uc6d0\ud558\uba70 \uc5ec\uc804\ud788 \uc0ac\ub78c\uacfc\uc758 \uad50\ub958\uc5d0 \uc0c1\ub2f9\ud55c \uac00\uce58\ub97c \ubd80\uc5ec\ud558\uae30 \ub54c\ubb38\uc5d0 \uc77c\ubd80 \ud615\ud0dc\uc758 \uc0ac\ub78c \ub300 \uc0ac\ub78c \uac04 \ubcf4\ud5d8\uc720\ud1b5\uc740 \uc0dd\ubcf4 \ub300\ub9ac\uc810\uc774 \ucc98\ud55c \ubb38\uc81c\uc810\ub4e4\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc5ec\uc804\ud788 \uac00\uce58\uac00 \uc788\uc744 \uac83\uc774\ub2e4. \uc6b0\ub9ac\uac00 \uc0dd\uac01\ud558\ub294 \uc131\uacf5\uc801\uc778 \ubaa8\ub378\uc774\ub780 \uae30\uc220(\ub514\uc9c0\ud138, \ub370\uc774\ud130 &amp; \ubd84\uc11d \ub4f1)\uc758 \ud65c\uc6a9\uc744 \ud1b5\ud574 \ub354\uc6b1 \ud6a8\uacfc\uc801\uc774\uace0 \ud6a8\uc728\uc801\uc778 \uc0ac\ub78c \ub300 \uc0ac\ub78c \uac04 \uc0c1\ud638\uc791\uc6a9\uc744 \uac00\ub2a5\ucf00 \ud568\uc73c\ub85c\uc368 \uc804\ubc18\uc801\uc778 \uace0\uac1d\uacfc \ubcf4\ud5d8\uc124\uacc4\uc0ac \uac04\uc758 \uacbd\ud5d8\uc744 \uac1c\uc120\ud558\ub294 \ub3d9\uc2dc\uc5d0 \ubaa8\ub4e0 \uc774\ud574\ub2f9\uc0ac\uc790\ub4e4\uc5d0\uac8c \ub354 \ub098\uc740 \uacbd\uc81c\uc801 \uc131\uacfc\ub97c \uc81c\uacf5\ud558\ub294 \ud558\uc774\ube0c\ub9ac\ub4dc \ubaa8\ub378\uc774\ub2e4.<\/p>\n<p>\uc5c5\uacc4\uac00 \ub300\ub9ac\uc810(\ubc0f \uc720\ud1b5)\uc744 \ud601\uc2e0\ud558\uae30 \uc704\ud574\uc11c\ub294 \ud3ec\uad04\uc801\uc778 \uad00\uc810\uc73c\ub85c \uc811\uadfc\ud574\uc57c \ud55c\ub2e4. \uc6b0\ub9ac\ub294 \ubcf4\ud5d8\uc0ac\uac00 \ub300\ub9ac\uc810 \ud65c\uc131\ud654, \uc194\ub8e8\uc158 \ud601\uc2e0, \ud6a8\uc728\uc131 \uc99d\ub300, \ubcf4\uc720\uacc4\uc57d \uad00\ub9ac\ub77c\ub294 \ub3c4\uc804\uacfc\uc81c\ub97c \ud574\uacb0\ud558\ub294 \ub370\uc5d0 \ud544\uc218\uc801\uc778 \ud575\uc2ec\uc801\uc778 \uae30\ubcf8 \uc694\uc18c\ub4e4\uc744 \ud3ec\ud568\ud55c \ub124 \ubd80\ubd84\uc73c\ub85c \uad6c\uc131\ub41c \ud504\ub808\uc784\uc6cc\ud06c\ub97c \uc81c\uc548\ud55c\ub2e4.<\/p>\n<p><strong>1. \ub300\ub9ac\uc810 \ud65c\uc131\ud654<\/strong><br \/>\n<em><strong>1.1. \uc124\uacc4\uc0ac \uc0dd\uc560\uc8fc\uae30 \uad00\ub9ac &#8211; \ucc44\uc6a9, \ub77c\uc774\uc13c\uc2f1, \uc628\ubcf4\ub529(on boarding), \uc720\uc9c0(\uc544\uae4c\uc6b4 \uc778\uc7ac\uc758 \uc774\uc9c1 \ubb38\uc81c \ucc98\ub9ac) \ub4f1 \uc124\uacc4\uc0ac \uc0dd\uc560\uc8fc\uae30\ub97c \uc911\uc2ec\uc73c\ub85c \uc8fc\uc694 \ud504\ub85c\uc138\uc2a4\uc758 \ud6a8\uc728\uc131 \ubc0f \ud6a8\uacfc\uc131\uc744 \uac1c\uc120\ud558\uc5ec \ucc44\ub110\uc744 \ud65c\uc131\ud654\ud558\uace0 \uc0dd\uc0b0\uc131\uc744 \uc99d\ub300<\/strong> <\/em><\/p>\n<p>\ubcf4\ud5d8\uc0ac\uac00 \uac00\uc7a5 \uba3c\uc800 \uc2dc\uc791\ud574\uc57c \ud558\ub294 \uc77c\uc740 \ube44\uc6a9\uad00\ub9ac\uc640 \uc124\uacc4\uc0ac \uc0dd\uc560\uc8fc\uae30\uad00\ub9ac\ub97c \uc0c1\ub2f9\uc218\uc900\uc73c\ub85c \uac1c\uc120\ud558\uace0 \ud6a8\uacfc\uc801\uc778 \uc124\uacc4\uc0ac\uc758 \ucc44\uc6a9, \uc628\ubcf4\ub529(on-boarding), \uc720\uc9c0 \uc0c1\uc758 \uc77c\ubd80 \uc7a5\uae30\uc801\uc778 \ubb38\uc81c\ub4e4\uc744 \ud574\uacb0\ud558\ub294 \uac83\uc774\ub2e4. \uc911\uad6d\uc758 \uacbd\uc6b0, \ud604\uc7ac\uc758 \uc0dd\uc0b0\uc131 \ubc0f \uc774\uc9c1\ub960 \uc218\uc900\uc73c\ub85c\ub77c\uba74 \uc9c0\uae08\ubd80\ud130 2030\ub144\uae4c\uc9c0 8\ucc9c9\ubc31\ub9cc \uba85\uc758 \uc124\uacc4\uc0ac\ub97c \ub354 \ucc44\uc6a9\ud574\uc57c\ub9cc \uad11\ubc94\uc704\ud55c \uacbd\uc81c\uc5d0 \uc801\ud569\ud55c \ubcf4\ud5d8\uc0b0\uc5c5 \uaddc\ubaa8 \ub2ec\uc131\uc774\ub77c\ub294 \uc815\ubd80 \ubaa9\ud45c\uc5d0 \ub3c4\ub2ec\ud560 \uc218 \uc788\uc744 \uac83\uc774\ub2e4.<\/p>\n<p>\ubb38\uc81c\ub97c \ud6e8\uc52c \ub354 \uc5b4\ub835\uac8c \ub9cc\ub4dc\ub294 \uac83\uc740 \uc138\uacc4\uc758 \ub9ce\uc740 \uc9c0\uc5ed\uc5d0\uc11c \ub300\ub9ac\uc810 \uc778\ub825\uc774 \ub178\ub839\ud654\ub418\uace0 \uc788\uc73c\uba70 \uc5c5\uacc4 \uc804\ubc18\uc5d0\uc11c \ucc28\uc138\ub300 \uc778\uc7ac \ucc44\uc6a9\uc774 \uc810\uc810 \ub354 \uc5b4\ub824\uc6cc\uc9c0\uace0 \uc788\ub2e4\ub294 \uc810\uc774\ub2e4. \uc608\ub97c \ub4e4\uc5b4, LIMRA\uc5d0 \ub530\ub974\uba74 \ubbf8\uad6d \ubcf4\ud5d8\uc124\uacc4\uc0ac\uc758 \ud3c9\uade0 \uc5f0\ub839\uc740 56\uc138 \uc815\ub3c4\uc774\uba70, \ubc00\ub808\ub2c8\uc5c4 \uc138\ub300 \uc911 \ubd88\uacfc 4%\ub9cc\uc774 \ubcf4\ud5d8\uc5c5\uc5d0 \uad00\uc2ec\uc774 \uc788\ub294 \uac83\uc73c\ub85c \ub098\ud0c0\ub098 \ucc28\uc138\ub300 \uc124\uacc4\uc0ac \ucc44\uc6a9 \ubb38\uc81c\ub294 \ub9e4\uc6b0 \uc2ec\uac01\ud55c \uac83\uc73c\ub85c \ub4dc\ub7ec\ub0ac\ub2e4.<\/p>\n<hr \/>\n<p><em>\u201c\uc6b0\ub9ac\uc758 \uac00\uc7a5 \ud070 \ub3c4\uc804\uacfc\uc81c\ub294 \ubcf4\ud5d8\uc124\uacc4\uc0ac\uc758 \uac00\uce58\uc81c\uc548\uc694\uc18c\ub97c \uac15\ud654\ud558\uace0 \uc774\ub4e4\uc758 \uc0dd\uc0b0\uc131\uc744 \uac1c\uc120\ud558\ub294 \uac83\uc774\ub2e4.\u201d<\/em><br \/>\n<strong>\uc544\uc2dc\uc544\uad8c \ubcf4\ud5d8\uc0ac<\/strong><\/p>\n<hr \/>\n<p>AIA (\uc911\uad6d)\ub294 \uc131\uacf5\uc801\uc73c\ub85c \ucc44\uc6a9 \ud504\ub85c\uc138\uc2a4\ub97c \uac1c\uc120\ud55c \uc88b\uc740 \uc0ac\ub840\uc774\ub2e4. 2010\ub144, AIA\ub294 \ud504\ub9ac\ubbf8\uc5b4\uc5d0\uc774\uc804\uc2dc(Premier Agency) \uc774\ub2c8\uc154\ud2f0\ube0c\uc640 iPoS (interactive Point of Sale) \uc2dc\uc2a4\ud15c\uc744 \ub3c4\uc785\ud588\ub2e4. AIA\ub294 \ucd5c\uc18c 1\ub144\uc758 \uc601\uc5c5 \uacbd\ud5d8\uc774 \uc788\ub294 \ub300\uc878\uc790\uc5d0 \ub354\uc6b1 \uc8fc\ub825\ud558\uace0 90\uc77c \uac04\uc758 \uc2e0\uc785\uc0ac\uc6d0 \uc628\ubcf4\ub529(on-boarding) \ud504\ub85c\uadf8\ub7a8\uc744 \uc2e4\uc2dc\ud588\uc73c\uba70 \uc880\ub354 \uc219\ub828\ub41c \uc124\uacc4\uc0ac\ub4e4\uc744 \ud30c\uc545\ud574 \uace0\uae09 \uc5f0\uc218\uacfc\uc815(\uc18c\ud504\ud2b8 \uc2a4\ud0ac \ud3ec\ud568)\uc5d0 \ub4f1\ub85d\ud558\ub3c4\ub85d \ud588\uc744 \ubfd0 \uc544\ub2c8\ub77c \ub9ac\ub354\ub97c \ubaa9\ud45c\ub85c \ud558\ub294 \uc9c1\uc6d0\ub4e4\uc744 \ub300\uc0c1\uc73c\ub85c \ud558\ub294 \uad00\ub9ac\uc9c1 \uc900\ube44 \uad50\uc721 \ud504\ub85c\uadf8\ub7a8\uc744 \ub3c4\uc785\ud588\ub2e4.<\/p>\n<p>\uc774\ub7ec\ud55c \ud22c\uc790\ub294 \ud6a8\uacfc\uac00 \uc788\ub294 \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4. 2017\ub144, AIA\ub294 3\ub144 \uc5f0\uc18d\uc73c\ub85c \ubc31\ub9cc\ubd88\uc6d0\ud0c1\ud68c\uc758(Million Dollar Round Table, MDRT) \ucd5c\ub2e4\uc120\uc815\uc778\uc6d0\uc744 \ubc30\ucd9c\ud55c \ucd5c\ucd08\uc758 \uae30\uc5c5\uc774 \ub418\uc5c8\ub294\ub370, 8,324\uba85\uc758 AIS \uc124\uacc4\uc0ac\uc640 \ub300\ub9ac\uc810 \ub9ac\ub354\ub4e4\uc774 MDRT \ud68c\uc6d0\uc73c\ub85c \uc120\uc815\ub418\uc5c8\uc73c\uba70 \uc774\ub294 2016\ub144 \ub300\ube44 46%, 2010\ub144 \ub300\ube44 460%\uc758 \uc99d\uac00\uc728\uc744 \uae30\ub85d\ud55c \uac83\uc774\ub2e4.<\/p>\n<p>\uc774\uc640 \ube44\uc2b7\ud558\uac8c, \ucd5c\uadfc \uc778\ub3c4\uc758 \ud55c \uc120\ub3c4 \uc0dd\ubcf4\uc0ac\ub294 \ucca8\ub2e8 \ubd84\uc11d\uc744 \ud65c\uc6a9\ud558\uc5ec \ucc44\uc6a9 \ubc0f \uc628\ubcf4\ub529 \ud504\ub85c\uc138\uc2a4\ub97c \uc7ac\uc124\uacc4\ud588\ub2e4. \uc124\uacc4\uc0ac\ub85c\uc11c \ub192\uc740 \uc0dd\uc0b0\uc131\uc774 \uc608\uc0c1\ub418\ub294 \ud6c4\ubcf4\uc758 \ud2b9\uc9d5\ub4e4\uc744 \ud30c\uc545\ud558\uace0 \ud68c\uc0ac\uc758 \uac00\uce58\uc81c\uc548\uc694\uc18c\ub97c \ud574\ub2f9 \ucc44\uc6a9 \ud480\uc5d0 \uc880\ub354 \ud638\uac10\uc744 \uc904 \uc218 \uc788\ub3c4\ub85d \ub9de\ucda4\ud654\ud588\ub2e4. \uc774\ucc98\ub7fc \ud0c0\uac9f\ud654\ub41c \uc870\uce58\ub85c \uc778\ud574 \ud68c\uc0ac\uac00 \uc120\ud638\ud558\ub294 \ud6c4\ubcf4\ub4e4\uc758 \ucc44\uc6a9\uacfc \uc628\ubcf4\ub529\uc774 \uac1c\uc120\ub418\uc5c8\ub2e4.<\/p>\n<p><em><strong>1.2. \ud6a8\uacfc\uc801\uc778 \uc601\uc5c5\uc778\ub825 \u2013 (\ubb34\uc5c7\ubcf4\ub2e4\ub3c4 \uc124\uacc4\uc0ac \uc5c5\ubb34\ud750\ub984 \uad00\ub9ac \ub4f1\uc758 \uae30\uc220 \ubc0f \ub3c4\uad6c\ub97c \ud65c\uc6a9\ud568\uc73c\ub85c\uc368) \uc131\uacfc\uad00\ub9ac \uc2dc\uc2a4\ud15c\uc744 \uac1c\uc120\ud558\uace0 \uc124\uacc4\uc0ac \uad50\uc721\uc744 \uac15\ud654\ud558\uba70 \uc800\uc131\uacfc \ubb38\uc81c\ub97c \uc120\uc81c\uc801\uc73c\ub85c \ub2e4\ub8f8\\<\/strong><\/em><\/p>\n<p>\uc6b0\ub9ac\ub294 \ubcf4\ud5d8\uc0ac\uac00 \uc790\uc0ac\uc758 \uc778\ub825 \uc911 \ucd5c\uace0\uc758 \uc131\uacfc\ub97c \ub0b4\ub294 \uc124\uacc4\uc0ac\ub4e4\uc744 \ud30c\uc545\ud558\uc5ec \uc6b0\uc218\ud55c \uc131\uacfc\uc5d0 \ub300\ud574 \ubcf4\uc0c1\ud560 \ubfd0 \uc544\ub2c8\ub77c \uc774\ub4e4\uc758 \uc7a0\uc7ac\ub825\uc744 \uadf9\ub300\ud654\ud558\ub294 \ud2b9\ud654\ub41c \uc9c0\uc6d0\uc744 \uc81c\uacf5\ud558\ub294 \uc131\uacfc\uad00\ub9ac \uc2dc\uc2a4\ud15c\uc744 \uc2e4\ud589\ud574\uc57c \ud55c\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4. \ubaa8\ub4e0 \uc2dc\uc7a5\uc5d0 \uac78\uccd0 \uc804\ubc18\uc801\uc778 \uc2e4\uc801\uc740 \uc0c1\uc704 20% \uc131\uacfc\uc790\ub4e4\uc5d0 \ud3b8\uc911\ub418\ub294 \uacbd\ud5a5\uc774 \uc788\uae30 \ub54c\ubb38\uc5d0 \ub300\ub9ac\uc810 \uc778\ub825\uc758 \uac10\ucd95(\ucc44\ub110\uc758 \ub192\uc740 \ucd1d\ube44\uc6a9\uc5d0 \uae30\uc5ec\ud558\ub294 \uc800\uc131\uacfc\uc790 \ubb38\uc81c \ucc98\ub9ac) \ubb38\uc81c\ub3c4 \ub9c8\ucc2c\uac00\uc9c0\ub85c \uc911\uc694\ud558\ub2e4.<\/p>\n<p>\uc6b0\ub9ac\ub294 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc131\uacfc\uc5d0 \ub530\ub77c \uc124\uacc4\uc0ac\ub4e4\uc744 \ubd84\ub958\ud558\uace0 \uc774\ub4e4\uc774 \uc790\uc2e0\uc758 \uc131\uacfc\ub97c \ud55c \ub2e8\uacc4 \ub354 \ub04c\uc5b4\uc62c\ub9b4 \uc218 \uc788\ub3c4\ub85d \ub3d5\ub294 \ubcf4\ub2e4 \ubbfc\ucca9\ud55c \uc9c0\uc6d0 \ubd80\uc11c\ub97c \uad6c\ucd95\ud560 \ud544\uc694\uac00 \uc788\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4. \uc774\ub4e4\uc5d0\uac8c\ub294 \ub354 \ub9ce\uc740 \ub9ac\ub4dc, \ud0c0\uac9f\ud654\ub41c \uc810\uc9c4\uc801 \uad50\uc721, \ud3c9\uade0\uc801\uc778 \uc124\uacc4\uc0ac\uc5d0 \uc801\ud569\ud55c \ucd94\uac00\uc801\uc778 \ud589\uc815\uc801 \uc9c0\uc6d0\uc774 \uc81c\uacf5\ub418\uc5b4\uc57c \ud55c\ub2e4. \ub610\ud55c, \ucd5c\uace0\uc758 \uc131\uacfc\ub97c \ub0b4\ub294 \uc124\uacc4\uc0ac\uad70\uc740 \uad11\ubc94\uc704\ud55c \uc124\uacc4\uc0ac \ub300\uc0c1 \uc9c0\uc6d0 \uc11c\ube44\uc2a4\uc758 \ud6cc\ub96d\ud55c \uc2dc\ud5d8\ub300 \uc5ed\ud560\uc744 \ud560 \uc218 \uc788\ub2e4.<\/p>\n<p>\ubcf4\ud5d8\uc0ac\uc640 \uc77c\ubc18\uc801\uc778 \uc911\uac1c\uc0ac(\uc608: \ub3c5\ub9bd \uc124\uacc4\uc0ac, \ube0c\ub85c\ucee4, \uad00\ub9ac\ud615 \uc124\uacc4\uc0ac(managing general agents, MGA))\ub294 \uad50\uc721\uc744 \ubcf4\ub2e4 \uc911\uc2dc\ud574\uc57c \ud558\uba70 \uc880\ub354 \ud6a8\uc728\uc801\uc774\uace0 \ub9de\ucda4\ud654\ub41c \ubc29\uc2dd\uc73c\ub85c \uc804\ub2ec\ud560 \ubc29\uc548\uc744 \ubaa8\uc0c9\ud560 \ud544\uc694\uac00 \uc788\ub2e4. \uc774\ub7ec\ud55c \uce21\uba74\uc5d0\uc11c, \uae30\uc220\uc744 \ud65c\uc6a9\ud558\uc5ec \ubd88\uac00\ub2a5\ud55c \uac83\uc744 \uac00\ub2a5\ucf00 \ud558\ub294 \ubc29\ubc95\ub4e4\uc774 \ud06c\uac8c \ub298\uc5b4\ub0ac\ub2e4. \uae30\uc220\uc744 \ud65c\uc6a9\ud558\uba74 \uc804\ud1b5\uc801\uc778 \ud55c \ub2ec\uc9dc\ub9ac \uc9c1\uc811\uad50\uc721\uc744 \uc124\uacc4\uc0ac\uc758 \uc131\uacfc(\uc608: \uac1c\ubc1c\uc774 \ud544\uc694\ud55c \uad6c\uccb4\uc801\uc778 \ubd84\uc57c)\uc640 \uac00\uc6a9\uc131\uc5d0 \uae30\ubc18\ud55c \ud0c0\uac9f\ud654\ub41c \uad50\uc721 \uc81c\uc548\uc73c\ub85c \ub300\uccb4\ud560 \uc218 \uc788\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc77c\ub2e8 \uc124\uacc4\uc0ac\uac00 \ud604\uc7a5\uc5d0\uc11c \uc2e4\uc81c\ub85c \uace0\uac1d\uacfc \uc0c1\ud638\uc791\uc6a9\uc744 \ud558\uace0 \ub098\uba74 \uc790\uc2e0\uc774 \uacbd\ud5d8\ud55c \ub2e4\uc591\ud55c \uc2dc\ub098\ub9ac\uc624\uc5d0 \ucd08\uc810\uc744 \ub9de\ucd98 \ud0c0\uac9f\ud654\ub41c \uad50\uc721 \ube44\ub514\uc624\uc5d0 \uc811\uadfc\ud560 \uc218 \uc788\ub2e4. \ubcf4\ud5d8\uc0ac\ub294 \uc77c\ub960\uc801\uc778 \uc811\uadfc\ubc29\uc2dd\uc744 \uc81c\uacf5\ud558\uc9c0 \uc54a\uace0 \uc774\ucc98\ub7fc \uc124\uacc4\uc0ac\uac00 \uad6c\uccb4\uc801\uc73c\ub85c \ud544\uc694\ub85c \ud558\ub294 \uac83\uc744 \uae30\ubc18\uc73c\ub85c \ud55c \uad50\uc721\uc744 \uc81c\uacf5\ud55c\ub2e4.<\/p>\n<p>\ud551\uc548\uc740 \uae30\uc220\uc744 \ud65c\uc6a9\ud558\uc5ec \uc124\uacc4\uc0ac\ub4e4\uc5d0\uac8c \uc8fc\ubb38\ud615 \uac1c\uc778\ub9de\ucda4\ud654 \uad50\uc721\uc744 \uc81c\uacf5\ud55c\ub2e4(\uc138\ubd80 \uc0ac\ud56d\uc740 \uc544\ub798 \uc608\uc2dc \ucc38\uc870). \ubcf4\ud5d8\uc0ac\ub294 \uac15\uc0ac\uac00 \uc124\uacc4\uc0ac\uc640 \uc0c1\ud638\uc791\uc6a9\ud558\uace0 \ud2b9\ud654\ub41c \uc804\ubb38\uc131\uc744 \uad6c\ucd95\ud558\ub294 \ub370 \uc0c1\ub2f9\ud55c \uc2dc\uac04\uc744 \ud560\uc560\ud558\ub3c4\ub85d \uc7a5\ub824\ud55c\ub2e4. \ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uc124\uacc4\uc0ac\uc5d0\uac8c\ub294 \uc628\ubcf4\ub529 \ubc0f \uc2e0\uc785\uc5f0\uc218 \uae30\uac04 \uc774\ud6c4\uc5d0\ub3c4 \uc7a5\uae30\uc801\uc73c\ub85c \ud611\uc5c5\ud560 \uc218 \uc788\ub294 \uba58\ud1a0\uac00 \ubc30\ub2f9\ub41c\ub2e4. \uad50\uc721\uc740 \ud551\uc548 \ubaa8\ub378\uc758 \uc911\uc2ec\uc5d0 \uc790\ub9ac\uc7a1\uace0 \uc788\uc5b4 \ud551\uc548\uc758 \uc2e0\uaddc \uc124\uacc4\uc0ac \uc99d\uc6d0\uc774 \uc5c5\uacc4 \ud3c9\uade0\uc218\uc900 \uc774\uc0c1\uc774\uc5c8\uc74c\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc0dd\uc0b0\uc131\uc744 \uac1c\uc120\ud560 \uc218 \uc788\uac8c \ud574\uc8fc\uc5c8\ub2e4.<\/p>\n<hr \/>\n<p><strong>\uc608\uc2dc: \ud551\uc548 \uc0dd\uba85 \u2013 \uae30\uc220 \ud65c\uc6a9\uc744 \ud1b5\ud55c \ub300\ub9ac\uc810 \ud65c\uc131\ud654<\/strong><br \/>\n\ud551\uc548\uc740 \uae30\uc220\uc744 \ud65c\uc6a9\ud558\uc5ec \ucc44\uc6a9, \uad50\uc721, \uc131\uacfc \uad00\ub9ac, \uc11c\ube44\uc2a4 \ubaa8\ub378 \ub4f1 \ud604\uc7ac \ub300\ub9ac\uc810\uc774 \uc9c1\uba74\ud55c \ub3c4\uc804\uacfc\uc81c\ub4e4\uc744 \ub2e4\ub8e8\uace0 \uc788\ub294 \ubcf4\ud5d8\uc0ac\uc758 \ud6cc\ub96d\ud55c \uc0ac\ub840\uc774\ub2e4. \ud551\uc548\uc740 \uae30\uc220\uae30\ubc18 \ubaa8\ub378\ub85c \uc804\ud658\ud588\uc73c\uba70 \uc774\ub294 \ub9e4\uc6b0 \ud6a8\uacfc\uc801\uc778 \uac83\uc73c\ub85c \uc785\uc99d\ub418\uace0 \uc788\ub2e4.<\/p>\n<p>\ucd5c\uadfc\uc758 \uc131\uacfc\ub85c\ub294 \uc804\uc790 \uc81c\uc548\uc11c \uc791\uc131 \ubc0f \ubcf4\ud5d8\uc99d\uc11c\uc758 \uc804\uc790 \ubc30\uc1a1\uc744 \ud1b5\ud574 \uc5f0\uac04 3\uc5b5 \ucc9c\ub9cc \uc7a5\uc758 \uc885\uc774 \uc808\uc57d, \ud3c9\uade0 \ubcf4\ud5d8\uc778\uc218\uc2ec\uc0ac \uae30\uac04\uc744 5\uc77c\uc5d0\uc11c 15\ubd84\uc73c\ub85c \ud06c\uac8c \ub2e8\ucd95(\uc608: \uac00\uc785\uc2e0\uccad\ubd80\ud130 \ub0a9\uc785\uae4c\uc9c0), \u201c\uc2a4\ub9c8\ud2b8 \uace0\uac1d \uc11c\ube44\uc2a4 \ubaa8\ub378\u201d \uad6c\ucd95\uc744 \ud1b5\ud574 \uc778\ub825 70% \uac10\ucd95, 2014\ub144\ubd80\ud130 2016\ub144\uae4c\uc9c0 \uc124\uacc4\uc0ac\ub2f9 \ubcf4\ud5d8\ub8cc 32% \uc99d\uac00 \ub4f1\uc774 \uc788\ub2e4.<\/p>\n<p><strong>\u2013 \ubcf4\ud5d8\uc124\uacc4\uc0ac \ucc44\uc6a9:<\/strong> \ub370\uc774\ud130 \ubc0f \ubd84\uc11d\uacfc AI \uad50\uc721\uc744 \ud65c\uc6a9\ud568\uc73c\ub85c\uc368 \ucc44\uc6a9 \ud504\ub85c\uc138\uc2a4\ub97c \uc7ac\uc124\uacc4\ud558\uc5ec \uc120\ubcc4\uacfc\uc815 \uac1c\uc120, \uc790\uc6d0\ubd84\ubc30 \ucd5c\uc801\ud654, \ub300\ub9ac\uc810 \uacbd\ub825\uad00\ub9ac\ub97c \uc7ac\uc815\uc758<\/p>\n<p><strong>\u2013 \uad50\uc721:<\/strong> \ube45\ub370\uc774\ud130\ub97c \uc774\uc6a9\ud574 \uace0\uc131\uacfc \uc124\uacc4\uc0ac \ud504\ub85c\ud30c\uc77c\uc744 \uad6c\ucd95\ud558\ub294 \uac83\uc73c\ub85c AI \ud65c\uc6a9\uc744 \uc2dc\uc791\ud558\uc5ec \uc124\uacc4\uc0ac \uc5c5\ubb34\ub2a5\ub825 \uac1c\ubc1c \u201c\uace0\uc131\uacfc \uc124\uacc4\uc0ac \ubcf5\uc81c\u201d \uac00\uc18d\ud654 \u2013 \uc544\ub798 \uc608\uc2dc \ucc38\uc870. \uc774\ub7ec\ud55c \uc870\uce58\ub4e4\ub85c \uc778\ud574 \uc124\uacc4\uc0ac\ub97c \uace0\uc131\uacfc\uc790\ub85c \uad50\uc721\uc2dc\ud0a4\ub294 \uae30\uac04\uc740 36\uac1c\uc6d4\uc5d0\uc11c 15\uac1c\uc6d4\ub85c \ub2e8\ucd95\ub418\uc5c8\ub2e4.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-889 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-7-2.jpg\" alt=\"\" width=\"1043\" height=\"501\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-7-2.jpg 1043w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-7-2-300x144.jpg 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-7-2-1024x492.jpg 1024w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-7-2-768x369.jpg 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-7-2-696x334.jpg 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-7-2-874x420.jpg 874w\" sizes=\"auto, (max-width: 1043px) 100vw, 1043px\" \/><\/p>\n<p><strong>\u2013 \uc124\uacc4\uc0ac \uad00\ub9ac:<\/strong> \uc124\uacc4\uc0ac\uc758 \uc5c5\ubb34 \uc6b0\uc120\uc21c\uc704 \uacb0\uc815\uc744 \uc9c0\uc6d0\ud558\ub294 \ud55c\ud3b8 \uc601\uc5c5\uc9c0\uc6d0 \uae30\ub2a5\uc744 \uc81c\uacf5\ud558\ub294 AI(\uc989, AI \uc5b4\uc2dc\uc2a4\ud134\ud2b8)\ub85c \uad6c\ud604\ub418\ub294 \uc815\uad50\ud55c \uc5c5\ubb34\ud750\ub984 \uad00\ub9ac \uc2dc\uc2a4\ud15c\uc744 \uac1c\ubc1c. \uba87 \uac00\uc9c0 \uc5ed\ub7c9\uc774 \uac1c\ubc1c \uc911\uc774\uba70 \ud604\uc7ac\ub294 \ud14c\uc2a4\ud06c \ub9e4\ub2c8\uc800\uc640 \uc2a4\ub9c8\ud2b8 Q&amp;A \ub4f1\uc744 \ud1b5\ud574 \uace0\uac1d\uacfc\uc758 \uc0c1\ud638\uc791\uc6a9\uc2dc\uc5d0 \uc124\uacc4\uc0ac \uc9c0\uc6d0<\/p>\n<p><strong>\u2013 \uc601\uc5c5 \ubaa8\ub378:<\/strong> \uc2e4\uc2dc\uac04 \uc5f0\uacb0, \uace0\ube48\ub3c4 \uc0c1\ud638\uc791\uc6a9, \uc815\ubc00\ud55c \ub9c8\ucf00\ud305 \ubc0f \uc124\uacc4\uc0ac \ud504\ub85c\uc138\uc2a4 \uad00\ub9ac\ub97c \uac00\ub2a5\ucf00 \ud558\ub294 SAT \ubaa8\ub378\uc744 \uad6c\ucd95(\uc138\ubd80 \ub0b4\uc6a9\uc740 \uc911\uad6d \ubd80\ubd84 \ucc38\uc870)<\/p>\n<p><strong>&#8211; \uc11c\ube44\uc2a4:<\/strong> \ud6a8\uc728\uc131\uacfc \ud6a8\uacfc\uc131\uc758 \uade0\ud615\uc744 \uc704\ud55c 24\uc2dc\uac04 \uc628\ub77c\uc778 \uac00\uc0c1 \uc751\ub300\uc9c1\uc6d0 \uc11c\ube44\uc2a4 \ubaa8\ub378\uc744 \uac1c\ubc1c<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-890 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-7-3.jpg\" alt=\"\" width=\"1037\" height=\"500\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-7-3.jpg 1037w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-7-3-300x145.jpg 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-7-3-1024x494.jpg 1024w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-7-3-768x370.jpg 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-7-3-696x336.jpg 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-7-3-871x420.jpg 871w\" sizes=\"auto, (max-width: 1037px) 100vw, 1037px\" \/><\/p>\n<hr \/>\n<p><em><strong>1.3. \uc778\uc13c\ud2f0\ube0c \uc7ac\uc815\uc758 \u2013 \ub2e8\uc704\ub2f9 \ud310\ub9e4 \ubcf4\uc0c1\uc744 \uac10\uc18c\uc2dc\ud0a4\uace0(\uac10\uc18c\ubd84\uc740 \uc124\uacc4\uc0ac\uc758 \uc0dd\uc0b0\uc131\uc744 \uc99d\ub300\ud560 \uc218 \uc788\ub294 \ubd80\uac00\uac00\uce58 \uc11c\ube44\uc2a4\ub97c \ud1b5\ud574 \uc0dd\uc0b0\uc131\uc744 \ud5a5\uc0c1\ud558\uace0 \uc804\ubc18\uc801\uc778 \ubcf4\uc0c1\uc218\uc900\uc744 \ub192\uc784\uc73c\ub85c\uc368 \uc0c1\uc1c4), \uc804\uccb4\uc801\uc778 \uc124\uacc4\uc0ac \ubcf4\uc0c1 \uccb4\uacc4\ub97c \uc7ac\ud3b8\ud558\uc5ec \uc218\uc775\uc131 \uc788\ub294 \uc131\uc7a5\uc744 \uac15\ud654<\/strong><\/em><\/p>\n<p>\uc54c\ud30c\uc640\uc774\uc988 \uc11c\ubca0\uc774 \ub370\uc774\ud130\uc5d0 \ub530\ub974\uba74 \uc911\uad6d\uc758 97%\uc5d0 \ube44\ud574 \ub3c5\uc77c \ubcf4\ud5d8\uc124\uacc4\uc0ac\uc758 70%\ub9cc\uc774 \ubcf4\ud5d8\ub300\ub9ac\uc810\uc744 \uc9c1\uc5c5\uc73c\ub85c \ucd94\ucc9c\ud560 \uc758\ud5a5\uc774 \uc788\ub2e4. \uc9c1\uc5c5\uc73c\ub85c\uc11c\uc758 \ub0ae\uc740 \uc704\uc0c1, \uc218\uc785\uc5d0 \ub300\ud55c \ubd88\ub9cc, \uc804\ubb38\uc9c1\uc73c\ub85c\uc11c\uc758 \uc81c\ud55c\uc801\uc778 \uae30\ud68c\ub294 \ubcf4\ud5d8\uc124\uacc4\uc0ac\ub4e4\uc774 \uc790\uc2e0\uc758 \ucee4\ub9ac\uc5b4\uc5d0 \ub9cc\uc871\ud558\uc9c0 \ubabb\ud558\ub294 \uc8fc\uc694 \uc6d0\uc778\uc774\ub2e4. \uc18c\ub4dd \ucd94\uc774(\ubbf8\uad6d\uc758 \ubcf4\ud5d8\uc124\uacc4\uc0ac\ub4e4\uc774 \uc9c1\uc5c5\uc73c\ub85c \ucd94\ucc9c\ud558\uc9c0 \uc54a\ub294 \uc8fc\uc694 \uc6d0\uc778\uc774\uc790 \ub3c5\uc77c \ubcf4\ud5d8\uc0ac\ub4e4\uc758 \ubd88\ub9cc\uc871\ud55c \uc138 \ubc88\uc9f8 \uc694\uc778)\ub294 \uc8fc\uc694 \uc694\uc778\uc774\ub2e4 \u2013 \ub3c5\uc77c \uc124\uacc4\uc0ac\uc758 ~60%, \ubbf8\uad6d \uc124\uacc4\uc0ac\uc758 ~50%\ub294 \uc9c0\ub09c 3\ub144\uac04 \uc18c\ub4dd\uc5d0 \ubcc0\ud654\uac00 \uc5c6\uc5c8\uac70\ub098 \uac10\uc18c\ud588\ub2e4\uace0 \ubc1d\ud614\ub2e4.<\/p>\n<p>\uc6b0\ub9ac\ub294 \uac1c\ubcc4 \ubcf4\ud5d8\ubcf4\ud5d8\uc0ac\uc5d0 \ub300\ud55c \ucd1d\ubcf4\uc0c1\uc774 \uc99d\uac00\ud574\uc57c \uae30\uc874\uc758 \uace0\uc131\uacfc\uc790\ub4e4\uc5d0\uac8c \ub3d9\uae30\ubd80\uc5ec\uac00 \ub420 \uac83\uc774\uba70 \uc774\ubcf4\ub2e4 \ub354 \uc911\uc694\ud55c \uac83\uc740 \uc778\uc13c\ud2f0\ube0c\ub97c \uc7ac\uc815\uc758\ud568\uc73c\ub85c\uc368 \ubcf4\ud5d8\uc124\uacc4\uc0ac\ub77c\ub294 \uc9c1\uc5c5 \uc790\uccb4\ub97c \ub9e4\ub825\uc801\uc73c\ub85c \ub9cc\ub4e4\uace0 \uc0c8\ub85c\uc6b4 \uc80a\uc740 \uc778\uc7ac\ub97c \uc5c5\uacc4\ub85c \uc720\uce58\ud558\ub294 \uac83\uc774\ub77c\uace0 \uc0dd\uac01\ud55c\ub2e4. \ud2b9\ud788, \uc131\uc219\uc2dc\uc7a5\uc5d0\uc11c\ub294 \ub9ce\uc740 \ubcf4\ud5d8\uc124\uacc4\uc0ac\ub4e4\uc774 \uc2e0\uaddc \uace0\uac1d\uc744 \u201c\ubc1c\uad74\u201d\ud558\ub294 \uac83\uc774 \uc544\ub2c8\ub77c \ubcf4\uc720\uacc4\uc57d\uc5d0\uc11c \uc218\uc775\uc744 \u201c\uc9dc\ub0b4\uace0\u201d \uc788\ub294 \uc0c1\ud669\uc774\ub2e4. \uc0c1\ud488 \ub9c8\uc9c4\uc5d0 \ub300\ud55c \uc555\ubc15\uc744 \uac10\uc548\ud558\uba74 \uc124\uacc4\uc0ac \ubcf4\uc0c1\uc740 \uc5b4\ub290 \uc218\uc900\uc73c\ub85c\ub4e0 \uc99d\uac00\ud558\uae30\ub9cc \ud55c\ub2e4\uba74 \uc0dd\uc0b0\uc131 \uac1c\uc120\uc774\ub77c\ub294 \ud6a8\uacfc\ub97c \ucc3d\ucd9c\ud560 \uac83\uc774\ub2e4(\uc989, \ubcf4\ud5d8\uc124\uacc4\uc0ac \ub2f9 \ud310\ub9e4 \uc99d\uac00)<\/p>\n<hr \/>\n<p><strong>\ubcf4\uae30 8:<\/strong><\/p>\n<p>\uc9c0\ub09c 3\ub144 \uac04 \uc124\uacc4\uc0ac \uc18c\ub4dd\uc758 \ubcc0\ub3d9 \u2013 \uc2e0\ud765 \uc2dc\uc7a5\uc758 \uc124\uacc4\uc0ac \uc18c\ub4dd\uc740 \uc99d\uac00\uc138\uc5d0 \uc788\ub294 \ubc18\uba74 \uc120\uc9c4\uad6d \uc2dc\uc7a5\uc5d0\uc11c\ub294 \uc0c1\ub300\uc801\uc73c\ub85c \uc815\uccb4\ub418\ub294 \uc591\uc0c1\uc744 \ubcf4\uc778\ub2e4.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-891 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-9.png\" alt=\"\" width=\"566\" height=\"465\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-9.png 566w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-9-300x246.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-9-511x420.png 511w\" sizes=\"auto, (max-width: 566px) 100vw, 566px\" \/><\/p>\n<hr \/>\n<p><em>\u201c\uaddc\uc81c\ub294 \uc5b4\ub290 \uc2dc\uc810\uc5d0\uc11c\ub294 \uc218\uc218\ub8cc\uc5d0 \uc81c\ub3d9\uc744 \uac78 \uac83\uc774\ub2e4; \uc774\ub294 \ubd84\uba85 \uc77c\uc5b4\ub0a0 \uc77c\uc774\ub2e4. \ud604\uc7ac \uc6b0\ub9ac\ub294 \uc124\uacc4\uc0ac\ub4e4\uc774 \uc77c\ubd80 \uace0\uac1d\ub4e4\uc5d0\uac8c \uc77c\uc815\ud55c \ubcf4\uc218\ub97c \ubc1b\uace0 \uc21c\uc218\ud55c \uc790\ubb38 \uc138\uc158\uc744 \uc81c\uacf5\ud558\ub294 \uac83\uc744 \uc758\ubb34\ud654\ud558\uace0 \uc788\ub2e4.\u201d<\/em><br \/>\n<strong>\uc720\ub7fd\uad8c \ubcf4\ud5d8\uc0ac<\/strong><\/p>\n<hr \/>\n<p>\uc6b0\ub9ac\ub294 \uc124\uacc4\uc0ac\uc758 \uc0dd\uc0b0\uc131\uc774 \ud6e8\uc52c \ub354 \uac1c\uc120\ub41c\ub2e4\uba74(\uc608: 30% \ud310\ub9e4 \uc99d\uac00) \ub2e8\uc704\ub2f9 \uc218\uc218\ub8cc\uac00 20% \uc904\uc5b4\ub4e0\ub2e4 \ud558\ub354\ub77c\ub3c4 \uc804\ubc18\uc801\uc778 \uc124\uacc4\uc0ac \uc218\uc785\uc740 \ub298\uc5b4\ub0a0 \uc5ec\uc9c0\uac00 \uc788\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4.<\/p>\n<p>\uc544\ub798\uc758 <strong>\ubcf4\uae30 9<\/strong>\ub294 \uc0c1\ud488\ub2f9 \uc218\uc218\ub8cc\uc728\uacfc \uc124\uacc4\uc0ac \uc0dd\uc0b0\uc131(\uc989, \uc124\uacc4\uc0ac\ub2f9 \ud310\ub9e4)\uc774 \uc804\ud615\uc801\uc778 \ub3c5\uc77c \uc124\uacc4\uc0ac\uc758 \ucd1d\uc18c\ub4dd(\ubd80\ub300\ube44\uc6a9 \uc81c\uc678)\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc744 \ubaa8\ub378\ub9c1\ud55c \uac83\uc744 \ubcf4\uc5ec\uc900\ub2e4.<\/p>\n<hr \/>\n<p><strong>\ubcf4\uae30 9:<\/strong><\/p>\n<p>\uc218\uc218\ub8cc\uc728\uc740 20% \ub0ae\uc9c0\ub9cc (\uae30\uc220\uc758 \ud65c\uc6a9\uc744 \ud1b5\ud574) \ud310\ub9e4\ub294 30% \ub192\uc740 \uae30\ubcf8 \ucf00\uc774\uc2a4\ub85c \uac00\uc815\ud560 \uacbd\uc6b0, \uc124\uacc4\uc0ac \uc18c\ub4dd\uc740 ~10% \uc99d\uac00\ud560 \uc218 \uc788\ub2e4&#8230;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-893 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc8109-2.png\" alt=\"\" width=\"526\" height=\"398\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc8109-2.png 526w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc8109-2-300x227.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc8109-2-80x60.png 80w\" sizes=\"auto, (max-width: 526px) 100vw, 526px\" \/><\/p>\n<hr \/>\n<p>\uae30\ubcf8 \ucf00\uc774\uc2a4 \uc2dc\ub098\ub9ac\uc624\ub294 \uc218\uc218\ub8cc\uc728 20% \uc778\ud558\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \ub2e8\uc704\ub2f9 \ud310\ub9e4\ub97c 30% \uc99d\ub300\uc2dc\ud0ac \uc218 \uc788\ub294 \uc124\uacc4\uc0ac\uc758 \uacbd\uc6b0\uc5d0 \ubd80\ub300\ube44\uc6a9 \uc81c\uc678 \uc18c\ub4dd\uc758 ~10% \uc99d\uac00\uac00 \uac00\ub2a5\ud568\uc744 \ubcf4\uc5ec\uc900\ub2e4.<\/p>\n<p>\uadf8\ub7ec\ub098, \uc6b0\ub9ac\ub294 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc124\uacc4\uc0ac\uc758 \ubd80\ub300\ube44\uc6a9 \uc808\uac10\uc5d0 \uae30\uc220\uc744 \uc801\uadf9\uc801\uc73c\ub85c \ud65c\uc6a9\ud560 \uae30\ud68c\uac00 \uc788\ub2e4\uace0 \uc0dd\uac01\ud558\uba70, STP \ub4f1\uc744 \ud65c\uc6a9\ud560 \uacbd\uc6b0 \ud589\uc815\uc5c5\ubb34 \uc9c0\uc6d0\uacfc \uad00\ub828\ub41c \ube44\uc6a9\uc744 \uc808\uac10\ud560 \uc218 \uc788\ub2e4.<\/p>\n<p><strong>\ubcf4\uae30 10<\/strong>\uc5d0\uc11c \uc54c \uc218 \uc788\ub4ef\uc774, \uc774\ucc98\ub7fc \ubd80\ub300\ube44\uc6a9\uc774 20% \uc808\uac10\ub420 \uacbd\uc6b0 \uc124\uacc4\uc0ac\uac00 \uc2e4\uc81c\ub85c \uac00\uc838\uac00\ub294 \uc18c\ub4dd\uc740 \uc218\uc218\ub8cc\uac00 20% \uc778\ud558\ub418\ub354\ub77c\ub3c4 \ud310\ub9e4\uac00 30% \uc99d\uac00\ud558\uae30 \ub54c\ubb38\uc5d0 ~27% \uc99d\uac00\ud560 \uc218 \uc788\uc744 \uac83\uc774\ub2e4.<\/p>\n<p>\ubb3c\ub860, \uc774\ub7ec\ud55c \ubcc0\ud654\ub294 \ub9d0\ucc98\ub7fc \uc27d\uc9c0\ub9cc\uc740 \uc54a\uc744 \uac83\uc774\ub2e4. \ubcf4\ud5d8\ub300\ub9ac\uc810\ub4e4\uc774 \uc11c\ube44\uc2a4 \ud504\ub85c\uc138\uc2a4\uc758 \ud2b9\uc815 \ubd80\ubd84\ub4e4\uc5d0 \ub300\ud55c \ud1b5\uc81c\uad8c\uc744 \ud3ec\uae30\ud558\uc9c0 \uc54a\uc73c\ub824 \ud560 \uc218 \uc788\uae30 \ub54c\ubb38\uc774\ub2e4.<\/p>\n<hr \/>\n<p><strong>\ubcf4\uae30 10:<\/strong><\/p>\n<p>&#8230;\uadf8\ub7ec\ub098, \uc6b0\ub9ac\ub294 \ubd80\ub300\ube44\uc6a9\uc774 20% \uac10\uc18c\ub41c\ub2e4\uba74 \uc124\uacc4\uc0ac\uac00 \uac00\uc838\uac00\ub294 \uc218\uc775\uc774 ~27% \uc99d\uac00\ud560 \uc7a0\uc7ac\ub825\uc774 \uc788\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-894 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81010.png\" alt=\"\" width=\"550\" height=\"423\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81010.png 550w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81010-300x231.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81010-546x420.png 546w\" sizes=\"auto, (max-width: 550px) 100vw, 550px\" \/><\/p>\n<hr \/>\n<p><strong>2. \uc194\ub8e8\uc158 \ud601\uc2e0<\/strong><br \/>\n<em><strong>2.1. \uc0c1\ud488 \uac04\uc18c\ud654 \u2013 \uc880\ub354 \uac04\ub2e8\ud558\uace0 \uace0\uac1d \uc911\uc2ec\uc801\uc778 \uc194\ub8e8\uc158\uc744 \uc124\uacc4\ud558\uace0 \uac00\uce58\uc81c\uc548\uc694\uc18c\uac00 \ud3c9\uade0\uc801\uc778 \uace0\uac1d\uc5d0\uac8c \uc880\ub354 \uc9c1\uad00\uc801\uc73c\ub85c \ub2e4\uac00\uac00\ub3c4\ub85d \ud558\uba70 \uac1c\uc778\ub9de\ucda4\ud654 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\uace0 \uc804\ubc18\uc801\uc778 \uacbd\ud5d8\uc774 \ubcf4\ub2e4 \uace0\uac1d\uc911\uc2ec\uc801\uc774 \ub418\ub3c4\ub85d \ud568<\/strong> <\/em><\/p>\n<p>\uc5ed\uc0ac\uc801\uc73c\ub85c \ub9ce\uc740 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \ubcf4\ud5d8\uc124\uacc4\uc0ac\ub97c \uc8fc\uc694 \uace0\uac1d\uc73c\ub85c \uc0dd\uac01\ud574\uc654\uc73c\uba70 \uc774\ub85c \uc778\ud574 \uace0\uac1d\uc774 \uacf5\uac10\ud558\uc9c0 \ubabb\ud558\ub294 \uac00\uce58\uc81c\uc548\uc694\uc18c\ub4e4\ub85c \uc774\ub8e8\uc5b4\uc9c4 \uacfc\ub3c4\ud558\uac8c \ubcf5\uc7a1\ud55c \uc0c1\ud488\uad6c\uc131\uc774 \uc0dd\uae30\uac8c \ub418\uc5c8\ub2e4. \uc774\ub294 \ubcf4\ud5d8\uc740 \u201c\uad6c\ub9e4\ub418\ub294 \uac83\uc774 \uc544\ub2c8\ub77c \ud310\ub9e4\ub418\ub294 \uac83\uc774\ub2e4\u201d\ub77c\ub294 \uad00\ub150\uc744 \uac15\ud654\uc2dc\ud0ac \ubfd0\uc774\ub2e4. \uc2e4\uc81c\ub85c \ub9ce\uc740 \uc124\uacc4\uc0ac\ub4e4\uc774 \ucd5c\uc885\uace0\uac1d\uc758 \uc7ac\ubb34 \ub2c8\uc988\uc5d0 \ub9de\ub294 \uc194\ub8e8\uc158\uc744 \ud30c\uc545\ud558\ub294 \uac83\uc744 \ub3d5\ub294 \uacfc\uc815\uc5d0\uc11c \uc880\ub354 \uac15\ub825\ud55c \uac00\uce58\uc81c\uc548\uc694\uc18c\ub97c \uc704\ud574 \ubcf5\uc7a1\ud55c \uc0c1\ud488\uc744 \uc120\ud638\ud558\ub294 \uacbd\ud5a5\uc744 \ubcf4\uc778\ub2e4.<\/p>\n<p>\uc6b0\ub9ac\ub294 \ub0ae\uc740 \ube44\uc6a9, \uac04\uc18c\ud654\ub41c \uc0c1\ud488, \uace0\uac1d\ub2f9 \ub192\uc740 \uc0c1\ud488 \ubc00\ub3c4\ub97c \uc81c\uc2dc\ud558\ub294 \ube44\uc988\ub2c8\uc2a4 \ubaa8\ub378\uc774\ub77c\uba74 \uc131\uacf5\ud558\uae30\uc5d0 \uc720\ub9ac\ud55c \uc870\uac74\uc744 \uac16\ucd98 \uac83\uc774\ub77c\uace0 \uc0dd\uac01\ud55c\ub2e4. \uc774\ub7ec\ud55c \ubaa8\ub378\uc740 \ubcf4\ud5d8\uac00\uc785\uc790\uc758 \ud61c\ud0dd \uac1c\uc120, \uaddc\uc81c \ub9ac\uc2a4\ud06c \uac10\uc18c, \uc124\uacc4\uc0ac \uc18c\ub4dd \uc99d\uac00 \ub4f1 \ubaa8\ub4e0 \uc774\ud574\ub2f9\uc0ac\uc790\ub4e4\uc5d0\uac8c \ub354 \ub9ce\uc740 \uac00\uce58\ub97c \uc81c\uacf5\ud560 \uc7a0\uc7ac\ub825\uc774 \uc788\ub2e4. \uadf8\ub807\ub2e4\uba74, \uc774\ub7ec\ud55c \ubc29\ud5a5\uc73c\ub85c \uac00\uace0 \uc788\ub294 \uae30\uc874 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc9c1\uba74\ud55c \ub3c4\uc804\uacfc\uc81c\ub4e4\uc774 \uc800\ud3c9\uac00\ub418\uc5b4\uc11c\ub294 \uc548\ub420 \uac83\uc774\ub2e4. \ubb34\uc5c7\ubcf4\ub2e4\ub3c4 \uc0c1\ud488\uc774 \uc77c\ubc18\uc801\uc73c\ub85c \uac1c\ubc1c\ub418\ub294 \ubc29\uc2dd\uacfc \uace0\uac1d\uc758 \uc758\uacac\uc774 \ud504\ub85c\uc138\uc2a4\uc5d0 \ubc18\uc601\ub418\ub294 \ubc29\uc2dd\uc744 \ubc14\uafb8\uc5b4\uc57c \ud558\uae30 \ub54c\ubb38\uc774\ub2e4.<\/p>\n<p>\uc7ac\uc0b0 \ubc0f \uc790\uc0b0 \uad00\ub9ac \ubd80\ubb38\uc5d0\uc11c \uad00\ucc30\ub418\ub294 \ubcf4\uc218\uc778\ud558\uc555\ub825(fee compression) \uc99d\uac00(\ud328\uc2dc\ube0c \ud22c\uc790 \uc194\ub8e8\uc158\uc758 \uc99d\uac00\ub3c4 \uc6d0\uc778 \uc911 \ud558\ub098)\uc758 \ub9e5\ub77d\uc5d0\uc11c, \uc804\uccb4\uc801\uc778 \uc790\ubb38 \ubc0f \uad11\ubc94\uc704\ud55c \uc194\ub8e8\uc158\uc758 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub3c4 \ub9e4\uc6b0 \uc911\uc694\ud558\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ubbf8\uad6d\uc5d0\uc11c\ub294 \uc880\ub354 \ub2e8\uc21c\ud55c \ubcf4\uc218\uae30\ubc18(fee-based)\uc758 \ubcc0\uc561 \ubc0f \uc815\uc561 \uc5f0\uae08\uc0c1\ud488\uc774 \ub098\ud0c0\ub098\uace0 \uc788\ub294\ub370, \uc774\ub294 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc218\uc218\ub8cc \uc0c1\ud488\uc774 \ubc30\uc81c\ub418\ub294 \uae09\uc131\uc7a5\uc138\uc758 RIA(registered investment advisors) \ucc44\ub110\uc5d0 \uc9c4\uc785\ud558\uae30\uc5d0 \ub9e4\uc6b0 \uc88b\uc740 \ubc29\ubc95\uc774\ub2e4. \ubcf4\uc218\uae30\ubc18 \ubcc0\uc561 \uc5f0\uae08\uc0c1\ud488\uc740 \uc77c\ubc18\uc801\uc73c\ub85c \uc5b4\ub4dc\ubc14\uc774\uc800\uac00 \uace0\uac1d\uc758 \uc804\uccb4 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \uac00\uce58\uc5d0 \ub530\ub77c \ubcf4\uc218(fee)\ub97c \ubc1b\ub294 \uc6f0\uc2a4 \ub9e4\ub2c8\uc9c0\uba3c\ud2b8 \ud50c\ub7ab\ud3fc(401(k), IRA, \ubba4\uce04\uc5bc \ud380\ub4dc, \uc8fc\uc2dd \ubc0f \uae30\ud0c0 \uc790\uc0b0\uacfc \ud568\uaed8)\uc5d0 \ud1b5\ud569\ub420 \uc218 \uc788\ub2e4.<\/p>\n<p><strong>\ubcf4\uae30 11<\/strong>\uc740 \uc218\uc218\ub8cc\uc5d0\uc11c \ud328\uc2dc\ube0c \ud22c\uc790 \uc194\ub8e8\uc158\uc73c\ub85c\uc758 \uc804\ud658\uc774 \uc5b4\ub5bb\uac8c \ubcc0\uc561\uc5f0\uae08\ubcf4\ud5d8 \uac00\uc785\uc790\uc758 \ube44\uc6a9\uc744 \ud070 \ud3ed\uc73c\ub85c \uc808\uac10\uc2dc\ud0a4\ub294 \uc7a0\uc7ac\ub825\uc774 \uc788\ub294\uc9c0\ub97c \ubcf4\uc5ec\uc900\ub2e4. \uc218\uc218\ub8cc\uac00 \ubc30\uc81c\ub418\uba74 \ub7a9\ubcf4\uc218(wrapper fee) (\ub610\ub294 \u201cmortality and expense\u201d)\uac00 \uc5f0\uac04 130bps\uc5d0\uc11c 30bps\ub85c \ud06c\uac8c \uac10\uc18c\ub420 \uc218 \uc788\ub2e4. \uadf8\ub7ec\ub098, \ubcf4\ud5d8\uac00\uc785\uc790\ub294 \uc774\ub97c \uc0c1\ud488 \uc678\uc801\uc778 \ubd80\ubd84\uc5d0\uc11c \uc5b4\ub4dc\ubc14\uc774\uc800\uc5d0\uac8c \uc9c0\uae09\ud574\uc57c \ud560 \uac83\uc774\ub2e4. \ubfd0\ub9cc \uc544\ub2c8\ub77c, \uc804\ud1b5\uc801\uc778 \ubcc0\uc561\uc5f0\uae08\uc774 \uc77c\ubc18\uc801\uc73c\ub85c \uc561\ud2f0\ube0c \ud380\ub4dc \ub9e4\ub2c8\uc9c0\uba3c\ud2b8(~95bps p.a.\uc758 \ube44\uc6a9\uc774 \ub4e4 \uc218 \uc788\uc74c)\ub97c \uc774\uc6a9\ud558\ub294 \ubc18\uba74, \ud328\uc2dc\ube0c \ud22c\uc790\ub85c \uc804\ud658\ud560 \uacbd\uc6b0 \uc774\ub97c ~20bps p.a.\ub85c \uac10\uc18c\uc2dc\ud0ac \uc218 \uc788\ub2e4. \ucd5c\uc800\uc911\ub3c4\uc778\ucd9c\uae08\ubcf4\uc99d(guaranteed minimum withdrawal benefit, GMWB) \uc870\uac74\uc758 \ube44\uc6a9\uc740 \uc5f0\uac04 130-140 bps\ub85c \uc5ec\uc804\ud788 \ub3d9\uc77c\ud55c \uac83\uc73c\ub85c \ub098\ud0c0\ub09c\ub2e4. \uadf8\ub7ec\ub098, \ubcf4\uc218\uae30\ubc18 \uc0c1\ud488\uc758 \ud14c\uc77c \ub9ac\uc2a4\ud06c(tail risk)\uac00 \ub354 \ub0ae\uc740 \uac83\uc744 \uace0\ub824\ud558\uba74 \uc774 \ube44\uc6a9\uc740 \uac10\uc18c\ub420 \uac00\ub2a5\uc131\uc774 \uc788\ub2e4. \ub610\ud55c, \ubcf4\uc218\uac00 \ub0ae\uc744\uc218\ub85d \uace0\uac1d\uacc4\uc88c\uc794\uc561\uc758 \uc99d\uac00\uc728\uc774 \ub192\uc544\uc838 \uace0\uac1d\uc5d0\uac8c \uc81c\uacf5\ub418\ub294 \uac00\uce58\uac00 \uc99d\ub300\ub420 \uc218 \uc788\ub2e4.<\/p>\n<hr \/>\n<p><strong>\ubcf4\uae30 11:<\/strong><\/p>\n<p>\ubcc0\uc561\uc5f0\uae08 \ube44\uc6a9(charges): \uc218\uc218\ub8cc \ubc0f \uc561\ud2f0\ube0c \ud22c\uc790\uad00\ub9ac\uc5d0\uc11c \ubc97\uc5b4\ub098 \ud328\uc2dc\ube0c \ud22c\uc790\uad00\ub9ac\ub85c \uc804\ud658\ud560 \uacbd\uc6b0 \ubcc0\uc561\uc5f0\uae08 \ubcf4\uc720\ube44\uc6a9(\ubcf4\uc218\uae30\ubc18 \uc635\uc158\uc758 \uacbd\uc6b0 \uc790\ubb38\ube44\uc6a9\uc758 \uc601\ud5a5 \uc81c\uc678)\uc744 \ud070 \ud3ed\uc73c\ub85c \uc808\uac10\uc2dc\ud0ac \uac00\ub2a5\uc131\uc774 \uc788\ub2e4.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-895 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-11.png\" alt=\"\" width=\"542\" height=\"471\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-11.png 542w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-11-300x261.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-11-483x420.png 483w\" sizes=\"auto, (max-width: 542px) 100vw, 542px\" \/><\/p>\n<hr \/>\n<p><em><strong>2.2. \ub514\uc9c0\ud138 \uc77c\ub7ec\uc2a4\ud2b8\ub808\uc774\uc158 \u2013 \uc124\uacc4\uc0ac\uac00 \ub2e4\uc591\ud55c \uc194\ub8e8\uc158\ub4e4\uc758 \uac00\uce58\uc81c\uc548\uc694\uc18c\ub97c \uc880\ub354 \uba85\ud655\ud558\uac8c \uc124\uba85\ud558\ub3c4\ub85d \ub3d5\uace0 \ub2e4\uc591\ud55c \uc194\ub8e8\uc158 \uac04\uc758 \ube44\uad50\ub97c \uc6d0\ud65c\ud558\uac8c \ud558\uba70 \uad81\uadf9\uc801\uc73c\ub85c\ub294 \uace0\uac1d\uc758 \uacb0\uc815\uc744 \uc27d\uac8c \ud574\uc90c<\/strong><\/em><\/p>\n<p>\ubcf4\ud5d8\uc124\uacc4\uc0ac\uc5d0\uac8c\ub294 \uace0\uac1d\uacfc\uc758 \uc0c1\ud638\uc791\uc6a9\uc744 \ub354 \ud6a8\uacfc\uc801\uc73c\ub85c \ub9cc\ub4e4 \uae30\ud68c\uac00 \uc788\ub2e4. \uc18c\ube44\uc790\uc758 \uc0dd\ubcf4\uc5c5\uacfc \uc5b4\ub4dc\ubc14\uc774\uc800\uc5d0 \ub300\ud55c \uc2e0\ub8b0\ub3c4\ub294 \uc5ec\uc804\ud788 \ub9e4\uc6b0 \ub0ae\uc740 \uc218\uc900\uc774\ub2e4(\uc608: LMRA\uc5d0 \ub530\ub974\uba74 ~38%\uc758 \uc18c\ube44\uc790\ub4e4\uc740 \ubcf4\ud5d8 \uc601\uc5c5\uc9c1\uc6d0\uc758 \uc815\uc9c1\uc131\uacfc \uc724\ub9ac\uc801 \uae30\uc900\uc744 \ub9e4\uc6b0 \ub0ae\uac70\ub098 \ub0ae\uc740 \uac83\uc73c\ub85c \ubcf4\uace0 \uc788\ub2e4).<\/p>\n<p>\ubcf4\ud5d8\uacc4\uc57d\uacfc \ud310\ub9e4 \uac1c\ub150\uc758 \uc2dc\uac01\ud654 \ud50c\ub7ab\ud3fc\uc744 \uc81c\uacf5\ud558\ub294 \uc778\uc288\uc5b4\ud14c\ud06c(InsurTech) \uc2a4\ud0c0\ud2b8\uc5c5\uc778 \ubbf8\uad6d\uc758 \uc5b4\uc288\uc5b4\ub7f0\uc2a4(Assuarance)\ub294 \uc124\uacc4\uc0ac\uac00 \ub2e4\uc591\ud55c \uc0dd\ubcf4 \uc0c1\ud488\uc758 \uac00\uce58\uc81c\uc548\uc694\uc18c\ub97c \ud604\uc7ac \uace0\uac1d \ubc0f \uc720\ub9dd\uace0\uac1d\uacfc \ub354 \uc798 \uc18c\ud1b5\ud560 \uc218 \uc788\ub3c4\ub85d \ud574\uc900\ub2e4. \uba87\uba87 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc774 \uc2a4\ud0c0\ud2b8\uc5c5\uc758 \uae30\uc220\uc744 \uc774\uc6a9\ud558\uc5ec \ud640\uc138\uc77c\ub7ec(wholesaler)\uc640 \uc124\uacc4\uc0ac\uc5d0\uac8c \uace0\uac1d\uce5c\ud654\uc801\uc778 \ub514\uc9c0\ud138 \uc601\uc5c5 \uc77c\ub7ec\uc2a4\ud2b8\ub808\uc774\uc158 \uacbd\ud5d8\uc744 \uc81c\uacf5\ud55c\ub2e4. \uc720\ud1b5\uc790\ub4e4\ub3c4 \uc774\ub7ec\ud55c \uae30\uc220\uc744 \uc774\uc6a9\ud574 \uc708\ud50c\ub809\uc2a4(WinFlex)(\uc5ec\ub7ec \uc0dd\ubcf4\uc0ac\ub4e4\uc774 \ud45c\uc900 \ub370\uc774\ud130 \uc785\ub825\uc744 \ud560 \uc218 \uc788\ub294 \uc774\ube45\uc2a4(Ebix) \uc81c\uacf5 \uc18c\ud504\ud2b8\uc6e8\uc5b4)\uc5d0\uc11c \ub370\uc774\ud130\ub97c \ucd94\ucd9c\ud558\uc5ec \uacbd\uc7c1\uc0c1\ud488\uc758 \ud604\uae08\uac00\uce58 \uc99d\uac00, \ud574\uc57d\ud658\uae09\uae08 \ub4f1\uc744 \ubcf4\uc5ec\uc900\ub2e4. \uadf8 \uacb0\uacfc, \uc774\ub7ec\ud55c \uc194\ub8e8\uc158\uc744 \ud65c\uc6a9\ud558\ub294 \ubcf4\ud5d8\uc0ac\uc758 \uacbd\uc6b0 \uc720\ub2c8\ubc84\uc124 \ubcf4\ud5d8 \ubc0f \uc9c0\uc218\ud615 \uc0dd\uba85\ubcf4\ud5d8\uc758 \ubcf4\ud5d8\ub8cc \ub9e4\ucd9c\uc774 ~15% \uc0c1\uc2b9\ud588\uace0 \ud6a8\uc728\uc131\uc740 ~30% \uac1c\uc120\ub418\uc5c8\uc73c\uba70 \uc815\uae30\ubcf4\ud5d8\uc5d0\uc11c \uc885\uc2e0\ud615 \ubcf4\ud5d8\uc73c\ub85c\uc758 \uc804\ud658\ub960\uc740 ~15% \uc99d\uac00\ud588\ub2e4.<\/p>\n<hr \/>\n<p>\uc778\uc288\uc5b4\ud14c\ud06c(InsurTech) \uc2a4\ud0c0\ud2b8\uc5c5\uc758 \ub514\uc9c0\ud138 \uc77c\ub7ec\uc2a4\ud2b8\ub808\uc774\uc158 \uc194\ub8e8\uc158 \uc0ac\ub840<\/p>\n<p><em>\uc5b4\uc288\uc5b4\ub7f0\uc2a4\ub294 \uc601\uc5c5 \ubc0f \ub370\uc774\ud130 \uac00\uc18d\ud654 \ud50c\ub7ab\ud3fc Ensight\u2122\ub97c \uac1c\ubc1c\ud558\uc5ec \ubcf4\ud5d8\uc0ac\uc640 \uc720\ud1b5\uc0ac\uc758 \ub370\uc774\ud130 \ud65c\uc6a9, \ub514\uc9c0\ud138 \uc77c\ub7ec\uc2a4\ud2b8\ub808\uc774\uc158 \uad6c\ucd95, \uace0\uac1d\uc911\uc2ec\uc758 \uc5ec\uc815 \ucc3d\ucd9c\uc744 \uc9c0\uc6d0\ud55c\ub2e4. <\/em><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-896 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81012.png\" alt=\"\" width=\"578\" height=\"435\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81012.png 578w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81012-300x226.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81012-558x420.png 558w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81012-80x60.png 80w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81012-265x198.png 265w\" sizes=\"auto, (max-width: 578px) 100vw, 578px\" \/><\/p>\n<hr \/>\n<p><em><strong>2.3. \uc0c8\ub85c\uc6b4 \uac00\uce58\uc81c\uc548\uc694\uc18c \u2013 \uac74\uac15, \uc7ac\uc0b0, \uc6f0\ube59 \ub4f1\uc744 \uc911\uc2ec\uc73c\ub85c \uc0c8\ub85c\uc6b4 \uc81c\uc548\uc694\uc18c\ub4e4\uc744 \ucc3d\ucd9c\ud568\uc73c\ub85c\uc368 \uc880\ub354 \uc804\uccb4\uc801\uc778 \uad00\uc810\uc5d0\uc11c \uace0\uac1d\ub2c8\uc988\uc758 \ubcc0\ud654\uc5d0 \ub300\uc751<\/strong> <\/em><\/p>\n<p>\uc6b0\ub9ac\ub294 \ubcf4\ud5d8\uc124\uacc4\uc0ac\ub4e4\uc774 \u201c\uc0c1\ud488\uc704\uc8fc\uc758 \uc601\uc5c5\u201d\uc5d0\uc11c \ubc97\uc5b4\ub098 \u201c\uc804\uccb4\uc801\uc778 \uc194\ub8e8\uc158\uc758 \uc81c\uacf5\u201d\uc73c\ub85c \uc804\ud658\ud560 \ud544\uc694\uac00 \uc788\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4. \uc124\uacc4\uc0ac\ub4e4\uc740 \uace0\uac1d\uc774 \ubcf4\ud5d8\uc0ac\uc640 \uc5b8\uc81c \uc5b4\ub5bb\uac8c \uc0c1\ud638\uc791\uc6a9\ud560 \uac83\uc778\uc9c0\ub97c \uc120\ud0dd\ud558\ub294 \uba40\ud2f0 \ucc44\ub110, \uba40\ud2f0 \uc0c1\ud488 \ud658\uacbd\uc5d0 \uc810\ucc28\uc801\uc73c\ub85c \uc18d\ud558\uac8c \ub420 \uac83\uc774\ub2e4. \uc2e4\uc81c\ub85c, \uc774\ub294 \uc804\uccb4\uc801\uc778 \uace0\uac1d \ub2c8\uc988\uc5d0 \ub300\ud55c \uad50\uc721 \ubc0f \uc911\uc2dc\ub97c \uac15\ud654\ud558\ub294 \uac83\uc744 \uc758\ubbf8\ud55c\ub2e4. <strong>\ubcf4\uae30 13(\uc544\ub798)<\/strong>\uc740 \uc0c8\ub86d\uac8c \ub098\ud0c0\ub098\uace0 \uc788\ub294 \uc124\uacc4\uc0ac \uc0dd\ud0dc\uacc4 \ud658\uacbd\uc758 \uac00\ub2a5\ud55c \ubaa8\uc2b5\uc744 \ubcf4\uc5ec\uc900\ub2e4.<\/p>\n<hr \/>\n<p><em>\u201c\uc0dd\ubcf4\uc0c1\ud488\ub9cc\uc744 \uc81c\uacf5\ud558\ub294 \ub300\ub9ac\uc810\uc5d0\ub294 \ubbf8\ub798\uac00 \uc5c6\ub2e4.\u201d<\/em><br \/>\n<strong>\uc720\ub7fd\uad8c \ubcf4\ud5d8\uc0ac<\/strong><\/p>\n<hr \/>\n<p>\uc804\ud1b5\uc801\uc778 \uc0dd\ubcf4 \uc0c1\ud488\ubfd0\ub9cc \uc544\ub2c8\ub77c \uc124\uacc4\uc0ac\ub4e4\uc740 \ud6e8\uc52c \ub354 \uad11\ubc94\uc704\ud55c \uace0\uac1d \ub2c8\uc988\ub97c \ub9dd\ub77c\ud558\ub294 \uc194\ub8e8\uc158\uc744 \uc81c\uacf5\ud560 \uc218 \uc788\uc5b4\uc57c \ud55c\ub2e4. \uc774\ub7ec\ud55c \uc0c8\ub85c\uc6b4 \uc194\ub8e8\uc158\uc740 \uaf2d \ub0b4\ubd80\uc801\uc73c\ub85c \uac1c\ubc1c\ub418\uc5b4\uc57c \ud558\ub294 \uac83\uc774 \uc544\ub2c8\uae30 \ub54c\ubb38\uc5d0 \uc678\ubd80\uc5d0\uc11c \ub3c4\uc785\ud558\uac70\ub098 \ubcf4\ud5d8\uc0ac \ubc0f \ud0c0 \uc0b0\uc5c5\uc758 \uc194\ub8e8\uc158 \uc81c\uacf5\uc5c5\uccb4\uc640\uc758 \uc81c\ud734\ub97c \ud1b5\ud574 \ub354 \uad11\ubc94\uc704\ud55c \uc0dd\ud0dc\uacc4\uc758 \ud55c \ubd80\ubd84\uc73c\ub85c\uc11c \uad6c\ucd95\ub420 \uc218 \uc788\ub2e4.<\/p>\n<p>\uc138\uacc4\uc801\uc73c\ub85c \ubcf4\ud5d8\uc0ac\uc5d0\uc11c \uc81c\uacf5\ud558\ub294 \uc0c1\ud488 \ubc0f \uc11c\ube44\uc2a4\ub294 \uc774\ubbf8 \uc9c4\ud654\ub97c \uac70\ub4ed\ud558\uc5ec \uc800\ucd95, \uac74\uac15, \uc6f0\ube59, \uc9c8\ubcd1 \uc608\ubc29\uc744 \ud3ec\ud568\ud558\uace0 \uc788\ub2e4. \uc608\ub97c \ub4e4\uba74, AIA (WeDoctor), AXA (Doctor@Hand) \ud478\ub974\ub374\uc15c(Prudential plc)(\ubc14\ube4c\ub860(Babylon))\uc740 \ubcf4\ud5d8\uac00\uc785\uc790\ub4e4\uc5d0\uac8c \uc601\uc0c1\ud1b5\ud654\ub97c \ud1b5\ud574 \uc758\uc0ac\uc640 \uc6d0\uaca9 \uc811\uc18d\ud560 \uc218 \uc788\ub294 \ud601\uc2e0\uc801\uc778 \uc6d0\uaca9 \uac74\uac15 \ubc0f \uc6f0\ube59 \uc194\ub8e8\uc158\uc744 \uc81c\uacf5\ud558\uace0 \uc788\ub2e4. \uc774\ub7ec\ud55c \uc194\ub8e8\uc158\uc740 \ucd94\uac00\uc801\uc778 \uc218\uc775 \ud750\ub984\uc744 \uc758\ubbf8\ud560 \ubfd0 \uc544\ub2c8\ub77c \ubcf4\ud5d8\uc0ac\uac00 \uace0\uac1d\uacfc \uace0\ube48\ub3c4\uc758 \ubd80\uac00\uac00\uce58 \uc0c1\ud638\uc791\uc6a9\uc5d0 \ucc38\uc5ec\ud560 \uc218 \uc788\ub294 (\ud604\uc7ac\ub85c\uc11c\ub294) \ub4dc\ubb38 \uae30\ud68c\ub97c \uc81c\uacf5\ud55c\ub2e4.<\/p>\n<hr \/>\n<p><em>\u201c\ub514\uc9c0\ud138\ud654\ub294 \uc124\uacc4\uc0ac \uc0dd\uc0b0\uc131\uc744 \ud06c\uac8c \uac1c\uc120\uc2dc\ud0a4\uace0 \uc788\ub2e4. \ud398\uc774\ud37c\ub9ac\uc2a4, \uc704\ucc57 \ub4f1\uc744 \ud1b5\ud574 \uc124\uacc4\uc0ac\ub2f9 \uc6d4\uac04 [\ud310\ub9e4]\ub294 1-2\uac74\uc5d0\uc11c 100\uc5ec\uac74\uc73c\ub85c \uae09\uc99d\ud588\ub2e4.\u201d<\/em><br \/>\n<strong>\uc544\uc2dc\uc544\uad8c \ubcf4\ud5d8\uc0ac<\/strong><\/p>\n<hr \/>\n<p><strong>\ubcf4\uae30 13:<\/strong><\/p>\n<p>\uc0c8\ub86d\uac8c \ub098\ud0c0\ub098\uace0 \uc788\ub294 \ubcf4\ud5d8\uc124\uacc4\uc0ac \uc0dd\ud0dc\uacc4 \u2013 \uc6b0\ub9ac\ub294 \ubcf4\ud5d8\uc5c5 \uc678\uc758 \uc0b0\uc5c5\uacfc\uc758 \uc81c\ud734 \ub4f1\uc744 \ud1b5\ud574 \uc81c\uacf5\uc0c1\ud488 \ubc94\uc704\ub97c \ud655\ub300\ud560 \uc0c1\ub2f9\ud55c \uae30\ud68c\uac00 \uc874\uc7ac\ud55c\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4. \uc124\uacc4\uc0ac\ub4e4\uc740 \uc810\ucc28\uc801\uc73c\ub85c \ub2e4\ub978 \ucc44\ub110\ub4e4\uacfc \ud568\uaed8 \uc774\ub7ec\ud55c \uc0dd\ud0dc\uacc4\uc5d0 \ud3b8\uc785\ub420 \ud544\uc694\uac00 \uc788\uc73c\uba70 \uc0c8\ub85c\uc6b4 \ub514\uc9c0\ud138 \uc5ed\ub7c9\uc758 \uc9c0\uc6d0\uc744 \ubc1b\uc544 \ud6a8\uc728\uc131 \ubc0f \ud6a8\uacfc\uc131\uc758 \uac1c\uc120\uc744 \uc2e4\ud604\ud574\uc57c \ud55c\ub2e4.<\/p>\n<p><strong><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-897 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-13.png\" alt=\"\" width=\"1107\" height=\"759\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-13.png 1107w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-13-300x206.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-13-1024x702.png 1024w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-13-768x527.png 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-13-218x150.png 218w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-13-696x477.png 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-13-1068x732.png 1068w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-13-613x420.png 613w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-13-100x70.png 100w\" sizes=\"auto, (max-width: 1107px) 100vw, 1107px\" \/><\/strong><\/p>\n<hr \/>\n<p><strong>3. \ud6a8\uc728\uc131 \uc99d\ub300<\/strong><br \/>\n<em><strong>3.1. \ub9ac\ub4dc \uc0dd\uc131(Lead generation) \u2013 \ub370\uc774\ud130 \ubc0f \ubd84\uc11d\uc744 \uc774\uc6a9\ud558\uc5ec \uc720\ub9dd\ud558\uace0 \uc2dc\uc758\uc801\uc808\ud55c \ub9ac\ub4dc\ub97c \uc0dd\uc131\ud560 \ubfd0 \uc544\ub2c8\ub77c \uace0\uac1d\uc758 \uac00\uc785 \ubc0f \uc801\ud569\uc131 \uc131\ud5a5\uc5d0 \uadfc\uac70\ud558\uc5ec \uc790\uaca9\uc694\uac74\uc744 \ub9de\ucda4\uc73c\ub85c\uc368 \uc2e0\uacc4\uc57d\ube44\ub97c \uc0c1\ub2f9\ubd80\ubd84 \uc904\uc774\uace0 \uc124\uacc4\uc0ac\uc758 \uc0dd\uc0b0\uc131\uc744 \uc99d\ub300\ud568<\/strong><\/em><\/p>\n<p>\uc6b0\ub9ac\ub294 \ubcf4\ud5d8\uc0ac\uac00 \ub370\uc774\ud130 \ubc0f \ucca8\ub2e8\ubd84\uc11d \uae30\ub2a5\uc744 \uc774\uc6a9\ud574 \ub9ac\ub4dc \uc0dd\uc131(\uc608: \ud604 \uace0\uac1d \ubc0f \uac00\ub9dd \uace0\uac1d\uc774 \uc0dd\uc560\uc758 \ud2b9\uc815 \uc8fc\uae30\ub97c \uc5b8\uc81c \ud1b5\uacfc\ud558\uace0 \uc788\ub294\uc9c0\ub97c \ud30c\uc545\ud568\uc73c\ub85c\uc368 \u2013 <strong>\ubcf4\uae30 14<\/strong>\uc5d0 \uc0ac\ub840 \ucc38\uc870)\ubfd0 \uc544\ub2c8\ub77c \uace0\uac1d\uc758 \uad6c\ub9e4 \ubc0f \ubcf4\uc7a5\ubc94\uc704 \uac1c\uc120 \uc131\ud5a5\uc5d0 \ub530\ub77c \uc790\uaca9\uc694\uac74\uc744 \uc870\uc815\ud558\ub3c4\ub85d \uc124\uacc4\uc0ac\uc5d0\uac8c \uad8c\ud55c\uc744 \ubd80\uc5ec\ud560 \uc218 \uc788\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4. \uc774\ub7ec\ud55c \uc5d4\uc9c4\ub4e4\uc740 \uc124\uacc4\uc0ac\uac00 \uac00\ub9dd\uace0\uac1d \ubc1c\uad74 \ub178\ub825\uc758 \uc6b0\uc120\uc21c\uc704\ub97c \uc124\uc815\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub420 \ubfd0 \uc544\ub2c8\ub77c \uae30\uc874\uace0\uac1d\uc5d0\uac8c \u201c\ub2e4\uc74c \ubc88\uc758 \ucd5c\uc0c1\uc758 \uc870\uce58\/\uc81c\uc548\u201d\uc744 \uc81c\uc2dc\ud560 \uc218 \uc788\ub2e4. \uc608\ub97c \ub4e4\uba74, \uc5ec\uae30\uc5d0\ub294 \uace0\uac1d\uc774 \uc804\ud658\ud560 \uc790\uaca9\uc694\uac74\uc744 \uac16\ucd94\uc5c8\uc744 \ub54c \uc124\uacc4\uc0ac\uc5d0\uac8c \ubbf8\ub9ac \uc54c\ub9bc\uc744 \uc81c\uacf5\ud558\uac70\ub098 \uc18c\ube44\uc790\uc758 \uc0dd\uc560 \uc774\ubca4\ud2b8\ub9c8\ub2e4 \uc801\ud569\ud55c \uc0c1\ud488 \ub610\ub294 \uc0c1\ud5a5\uac00\uc785 \ub300\uc548(\uc774\uc0c1\uc801\uc73c\ub85c\ub294 \uc0ac\uc804\uc2b9\uc778\ub41c \uc81c\uc548)\uc744 \uc81c\uc2dc\ud558\ub294 \uac83 \ub4f1\uc774 \uc788\ub2e4.<\/p>\n<hr \/>\n<p style=\"text-align: center;\"><span style=\"font-size: 14pt;\"><strong>\uc0dd\uba85\ubcf4\ud5d8 \ub2c8\uc988\ub97c \ucd09\ubc1c\ud558\ub294 \uc804\ud615\uc801\uc778 \uc0dd\uc560 \uc774\ubca4\ud2b8<\/strong><\/span><\/p>\n<p><strong><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-898 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-14.png\" alt=\"\" width=\"601\" height=\"343\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-14.png 645w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-14-300x172.png 300w\" sizes=\"auto, (max-width: 601px) 100vw, 601px\" \/><\/strong><\/p>\n<hr \/>\n<p><em>\u201c\ub9ac\ub4dc \uad00\ub9ac\ub294 \uc880\ub354 \uacf5\uaca9\uc801\uc77c \ud544\uc694\uac00 \uc788\ub2e4 \u2013 \uc124\uacc4\uc0ac\uac00 24\uc2dc\uac04 \ub0b4\uc5d0 \uc804\ud658\uc2dc\ud0a4\uc9c0 \ubabb\ud560 \uacbd\uc6b0\uc5d0\ub294 \uc911\uc559 \uc601\uc5c5\ubd80\uc11c\ub85c \uc778\uacc4\ud560 \uc218 \uc788\uc5b4\uc57c \ud55c\ub2e4.\u201d<\/em><br \/>\n<strong>\uc720\ub7fd\uad8c \ubcf4\ud5d8\uc0ac<\/strong><\/p>\n<hr \/>\n<p>CPIC (\uc911\uad6d)\ub294 \uc0c8\ub85c\uc6b4 \uc778\ud154\ub9ac\uc804\ud2b8 \uc5b4\ub4dc\ubc14\uc774\uc800 \uc0c1\ud488\uc778 \uc54c\ud30c\uc778\uc288\uc5b4\ub7f0\uc2a4(Alfa Insurance)\uc5d0 \uadf8\ub7ec\ud55c \uae30\uc220\uc744 \uc774\uc6a9\ud55c \uc0ac\ub840\uc774\ub2e4. \uc54c\ud30c\uc778\uc288\uc5b4\ub7f0\uc2a4\ub294 CPIC\uc758 1\uc5b5 \ucc9c\ub9cc \uba85\uc758 \uace0\uac1d\uc5d0 \ub300\ud55c \ub370\uc774\ud130\uc640 \ucca8\ub2e8 \ub370\uc774\ud130 \uc54c\uace0\ub9ac\uc998\uc744 \uc774\uc6a9\ud558\uc5ec \ubcf4\uc7a5\ubc94\uc704\uc758 \uaca9\ucc28\ub97c \ud30c\uc545\ud558\uace0 \uac00\uc871\ubcf4\ud5d8 \ud50c\ub79c\uc5d0 \ub300\ud55c \ub9de\ucda4\ud654\ub41c \ubd84\uc11d\uc744 \uad6c\ucd95\ud55c\ub2e4. 2017\ub144 9\uc6d4 \uc54c\ud30c\uc778\uc288\uc5b4\ub7f0\uc2a4\ub97c \ub3c4\uc785\ud55c CPIC\ub294 \uac19\uc740 \ud574 \ub9d0 \uc774\ubbf8 4\ucc9c4\ubc31\ub9cc \uba85\uc758 \uc774\uc6a9\uc790\ub97c \uae30\ub85d\ud588\ub2e4.<\/p>\n<p>\uad6c\uccb4\uc801\uc73c\ub85c, \uc54c\ud30c\uc778\uc288\uc5b4\ub7f0\uc2a4\ub294 \uac00\uc871\uad6c\uc131\uc6d0, \uc218\uc785, \uc9c0\ucd9c \ud328\ud134, \uc790\uc0b0, \ubd80\ucc44, \uc0ac\ud68c\ubcf4\uc7a5\uc81c\ub3c4 \ud61c\ud0dd, \ub77c\uc774\ud504\uc2a4\ud0c0\uc77c \ub4f1\uc5d0 \ub300\ud55c \uace0\uac1d \ub370\uc774\ud130\ub97c \uc218\uc9d1\ud558\uace0 \uba38\uc2e0\ub7ec\ub2dd\uc744 \uc774\uc6a9\ud558\uc5ec \ubd80\uc591\ucc45\uc784, \uac00\uc871 \uc218\uc785\uc6d0\uc758 \ub2e4\uc591\uc131, \uc790\uc0b0 \uc218\uc785, \uac1c\uc778 \ub300\ucd9c\uc561, \uc0ac\ud68c\ubcf4\uc7a5\uc81c\ub3c4\uc0c1 \ud61c\ud0dd\uc758 \ub2e4\uc12f \uac00\uc9c0 \uce21\uba74\uc5d0\uc11c \uace0\uac1d \ubaa8\ub378\ub9c1\uc744 \uc2e4\uc2dc\ud55c\ub2e4. \uadf8\ub7f0 \ub2e4\uc74c, \ub9de\ucda4\ud654\ub41c \uac00\uc871 \ubcf4\ud5d8 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ud50c\ub79c\uc744 \uc0dd\uc131\ud55c \ub4a4 \uc774\ub97c \uc124\uacc4\uc0ac\ub4e4\uacfc \uacf5\uc720\ud55c\ub2e4.<\/p>\n<p>\ub9ce\uc740 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \ub9ac\ub4dc \uc0dd\uc131, \ubcf4\ud5d8\uc778\uc218\uc2ec\uc0ac, \uace0\uac1d \uc11c\ube44\uc2a4 \ub4f1\uc758 \ud575\uc2ec \ud65c\ub3d9\uc744 \uc704\ud574 \uc774\uc6a9\ub418\ub294 \ub370\uc774\ud130\uc758 \uc591\uc744 \ud06c\uac8c \uc99d\uac00\uc2dc\ucf1c\uc654\ub2e4(\uc790\uc0ac \ub370\uc774\ud130 \ubc0f \uc81c3\uc790 \ub370\uc774\ud130).<strong> \ubcf4\uae30 15<\/strong>\ub294 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \ub370\uc774\ud130 \uc544\ud0a4\ud14d\ucc98\uc5d0 \ud3ec\ud568\uc2dc\ud0a4\uace0\uc790 \ud558\ub294 \ud575\uc2ec \uc694\uc18c\ub4e4\uc758 \uba87 \uac00\uc9c0 \uc608\uc2dc\ub97c \ubcf4\uc5ec\uc900\ub2e4.<\/p>\n<hr \/>\n<p><strong>\ubcf4\uae30 15:<\/strong><\/p>\n<p><strong>\ubbf8\uad6d \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \ud65c\uc6a9\ud558\uace0 \uc788\ub294 \ube44\uc804\ud1b5\uc801 \ub370\uc774\ud130 \uc18c\uc2a4 \uc608\uc2dc<\/strong><\/p>\n<p>\ubcf4\ud5d8\uc0ac\ub4e4\uc740 \ub2e4\uc591\ud55c \ub370\uc774\ud130 \uc18c\uc2a4\ub97c \ud65c\uc6a9\ud558\uc5ec \ub9ac\ub4dc \uc0dd\uc131\uacfc \ub9ac\uc2a4\ud06c \uc120\uc815 \ud504\ub85c\uc138\uc2a4\ub97c \uc9c0\uc6d0\ud55c\ub2e4.<\/p>\n<p><strong><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-899 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-15.png\" alt=\"\" width=\"1163\" height=\"589\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-15.png 1163w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-15-300x152.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-15-1024x519.png 1024w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-15-768x389.png 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-15-696x352.png 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-15-1068x541.png 1068w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-15-829x420.png 829w\" sizes=\"auto, (max-width: 1163px) 100vw, 1163px\" \/><\/strong><\/p>\n<hr \/>\n<p>&nbsp;<\/p>\n<p><em><strong>3.2. \ubcf4\ud5d8\uc778\uc218\uc2ec\uc0ac \ub2e8\ucd95 \u2013 \ubcf4\ud5d8\uc778\uc218\uc2ec\uc0ac \ud504\ub85c\uc138\uc2a4\ub97c \uc880\ub354 \ub2e8\uc21c\ud558\uace0 \uc2e0\uc18d\ud558\uba70 \ub35c \uac1c\uc785\uc801\uc73c\ub85c \ub9cc\ub4e4\uc5b4 \uc601\uc5c5\ube44\uc6a9(\uc608: \uac80\uc9c4 \ube44\uc6a9)\uc744 \uc808\uac10\ud560 \ubfd0 \uc544\ub2c8\ub77c \uc804\ubc18\uc801\uc778 \uace0\uac1d\uacbd\ud5d8\uc744 \uac1c\uc120\ud558\uace0 \uc804\ud658\uc728\uc744 \ub192\uc784<\/strong><\/em><\/p>\n<p>\ubcf4\ud5d8\uc778\uc218\uc2ec\uc0ac \ud504\ub85c\uc138\uc2a4\uc758 \uc790\ub3d9\ud654 \ubc0f \ub2e8\ucd95\uc740 \ube44\uc6a9\uc744 \uc808\uac10\ud560 \ubfd0 \uc544\ub2c8\ub77c \uc124\uacc4\uc0ac\uac00 \ud589\uc815\uc801 \uc5c5\ubb34 \uc678\uc5d0 \uace0\uac1d\uc5d0 \ud560\uc560\ud558\ub294 \uc2dc\uac04\uc744 \ub298\ub9ac\uac8c \ub418\uc5b4 \uc804\ud658\uc728\uc744 \ub192\uc778\ub2e4\ub294 \uce21\uba74\uc5d0\uc11c \ud575\uc2ec\uc801\uc778 \uc5ed\ud560\uc744 \ud55c\ub2e4.<\/p>\n<p>\ucca8\ub2e8 \ub370\uc774\ud130 \ubd84\uc11d\uc740 \ubcf4\ud5d8\uc0ac\uac00 \uc18c\ube44\uc790\uc758 \ud608\uc561\/\uc18c\ubcc0 \uac80\uc0ac \uacb0\uacfc\ub97c \uc694\uad6c\ud558\uc9c0 \uc54a\uace0\ub3c4 \uad11\ubc94\uc704\ud55c \uc81c3\uc790 \ub370\uc774\ud130 \uc18c\uc2a4(\uc608: \uc804\ud1b5\uc801\uc778 \uac00\uc785\uc2e0\uccad \ub370\uc774\ud130, \uc7ac\ubb34 \ubc0f \uc2e0\uc6a9\uac70\ub798 \uc774\ub825, \uad11\ubc94\uc704\ud55c \uacf5\uc801 \uae30\ub85d, \uc18c\uc15c \ubbf8\ub514\uc5b4 \ud65c\ub3d9, \uc124\uacc4\uc0ac \ubc0f \uac00\ub9dd \uace0\uac1d\uc5d0 \ub300\ud55c \uae30\ud0c0 \ub0b4\ubd80 \ub370\uc774\ud130 \ub4f1)\ub97c \ud65c\uc6a9\ud558\uc5ec \uc5b4\ub290 \uc815\ub3c4 \ube44\uc2b7\ud55c \uc815\ud655\ub3c4\ub85c \ub9ac\uc2a4\ud06c\ub97c \ud3c9\uac00\ud560 \uc218 \uc788\uac8c \ud574\uc900\ub2e4. \ubfd0\ub9cc \uc544\ub2c8\ub77c, \uac74\uac15\ud55c \uc2e0\uccad\uc790\uc758 \uacbd\uc6b0 \ud608\uc561 \uac80\uc0ac \/ \uac80\uc9c4 \uc694\uac74\uc744 \uc0dd\ub7b5\ud55c\ub2e4\uba74 \uac00\uc785\uc2e0\uccad \ud504\ub85c\uc138\uc2a4\ub97c \ub2e8\ucd95\ud560 \ubfd0 \uc544\ub2c8\ub77c \ud310\ub9e4 \ub610\ud55c \uc0c1\ub2f9 \uc218\uc900\uc73c\ub85c \uac1c\uc120\ud558\uac8c \ub420 \uac83\uc774\ub2e4.<\/p>\n<p>\uc774\ubbf8 \uc774\ub7ec\ud55c \ubc29\ud5a5\uc73c\ub85c \uc6c0\uc9c1\uc774\uace0 \uc788\ub294 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc788\ub2e4. LIMRA\uc5d0 \ub530\ub974\uba74, \ubbf8\uad6d \ubcf4\ud5d8\uc0ac\uc758 ~50%\ub294 \uc77c\uc885\uc758 \uc790\ub3d9\ud654\/\uac04\uc18c\ud654\/\uc608\uce21\ud615 \ubcf4\ud5d8\uc778\uc218\uc2ec\uc0ac \ud50c\ub7ab\ud3fc(\ub300\ubd80\ubd84\uc740 \uc77c\ubd80\uc758 \uc815\uae30\ubcf4\ud5d8 \uc0c1\ud488)\uc744 \ub3c4\uc785\ud588\uc73c\uba70 41%\ub294 \ud5a5\ud6c4 \ub3c4\uc785 \uacc4\ud68d\uc774 \uc788\ub2e4. \ub2e8\uc704 \ube44\uc6a9\uacfc \uc0ac\uc774\ud074 \ud0c0\uc784\uc740 \uc0c1\ub2f9 \ubd80\ubd84 \uac10\uc18c\ub420 \uc218 \uc788\uc73c\uba70 \uc774\ub294 \ubcf4\uae30 16\uc5d0\uc11c \uac15\uc870\ub418\uc5c8\ub4ef\uc774 adverse mortality(\ud53c\ubcf4\ud5d8\uc790\uac00 \ubcf4\ud5d8\uc758 \uc885\ub958\ub97c \uc120\ud0dd\ud558\ub294 \uc5ed\uc120)\uc5d0\uc11c\ub294 \ub2e4\uc18c \uc81c\ud55c\uc801\uc778 \uc601\ud5a5\uc744 \ubcf4\uc778\ub2e4.<\/p>\n<p>\ub300\ubd80\ubd84\uc758 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \ubcf4\ud5d8\uc778\uc218\uc2ec\uc0ac\uc758 \uc790\ub3d9\ud654\/\ub2e8\ucd95\uc5d0 \ud22c\uc790\ud558\uace0 \uc788\ub2e4. \uc608\ub97c \ub4e4\uba74, \ubbf8\uad6d\uc758 \ud504\ub9b0\uc2dc\ud50c \ud30c\uc774\ub0b8\uc15c(Principal Financial)\uc740 \uc5f0\ub839 \ubc0f \uac1c\uc778 \uc774\ub825\uc5d0 \ub530\ub77c \uc790\uaca9 \uc694\uac74\uc744 \ucda9\uc871\ud558\ub294 \uc120\ud638 \uc2e0\uccad\uc790\uc758 ~50-60%\ub97c \uac80\uc9c4 \uc694\uac74\uc5d0\uc11c \uc81c\uc678\uc2dc\ucf30\uc73c\uba70 \uc874\ud578\ucf55(John Hancock)\uc740 \ubcf4\ud5d8\uc778\uc218\uc2ec\uc0ac \uacb0\uc815\uc5d0 \uc774\ud2c0 \ubc16\uc5d0 \uac78\ub9ac\uc9c0 \uc54a\ub294 \u2018SmartProtect Term with Vitality\u2019\ub97c \uc81c\uacf5\ud558\uba70 \ub9ac\uac78&amp;\uc81c\ub124\ub7f4(Legal &amp; General)\uc740 \uace0\uac1d\uc774 \uc140\uce74\ub97c \uc5c5\ub85c\ub4dc\ud558\uba74 \uc989\uc2dc \uacac\uc801\uc744 \ubc1b\uc744 \uc218 \uc788\ub3c4\ub85d \ud55c\ub2e4. \uc989, \ub300\ubd80\ubd84\uc758 \ud65c\ub3d9\uc740 \uc5ec\uc804\ud788 \ub2e8\uc21c\ud55c \uc0c1\ud488(\uc815\uae30\ubcf4\ud5d8)\uacfc \ubb38\uc81c\uac00 \uc5c6\ub294 \ucf00\uc774\uc2a4\uc5d0 \uad6d\ud55c\ub418\uc5b4 \uc788\ub2e4.<\/p>\n<p>\ud2b9\ud788, \ubbf8\uad6d\uc758 \uacbd\uc6b0\uc5d0\ub294 EHR(Electronic Health Records, \uc804\uc790\uac74\uac15\uae30\ub85d)\uc758 \ucc44\ud0dd\uc774 \uacc4\uc18d\ud574\uc11c \ub298\uc5b4\ub0a8\uc5d0 \ub530\ub77c \ub2e8\ucd95 \ubcf4\ud5d8\uc778\uc218\uc2ec\uc0ac \ubc29\uc2dd\uc744 \uc801\uc6a9\ud558\ub294 \uc644\uc804 \ubcf4\ud5d8\uc778\uc218\uc2ec\uc0ac \uc0c1\ud488\uc758 \uc694\uac74\uc744 \ucda9\uc871\ud558\ub294 \uac00\uc785\uc2e0\uccad\uc790\uc758 \uc218\uac00 \uc99d\uac00\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub41c\ub2e4.<\/p>\n<p><em><strong>3.3. STP(Straight-through-processing) \ubc0f \uace0\uac1d\uc5ec\uc815 \uc7ac\uc124\uacc4 \u2013 \ud504\ub860\ud2b8-\ubbf8\ub4e4-\ubc31 \uc624\ud53c\uc2a4 \ud504\ub85c\uc138\uc2a4\uc758 \ud604\ub300\ud654, \uac04\uc18c\ud654, \uc790\ub3d9\ud654; e-\uac00\uc785\uc2e0\uccad, e-\ubc30\uc1a1, \ucf00\uc774\uc2a4 \ucd94\uc801 \uae30\ub2a5 \ub4f1\uc758 \ub3c4\uad6c\ub97c \ud65c\uc6a9\ud558\uc5ec \uc2e0\uacc4\uc57d\ube44\uc6a9 \ubc0f \uad00\ub9ac\ube44\uc6a9\uc744 \uc808\uac10\ud558\ub294 \ub3d9\uc2dc\uc5d0 \uc804\ubc18\uc801\uc778 \uace0\uac1d &amp; \uc5b4\ub4dc\ubc14\uc774\uc800 \uacbd\ud5d8\uc744 \uac1c\uc120<\/strong> <\/em><\/p>\n<p>\uc0dd\ubcf4 \uc0c1\ud488\uc758 \uc720\ud1b5\uc744 \uc9c0\uc6d0\ud558\ub294 \uc5ec\ub7ec \ud504\ub85c\uc138\uc2a4\ub4e4\uc740 \ub514\uc9c0\ud138\ud654\ub97c \ud1b5\ud574 \ud6a8\uc728\uc131 \ubc0f \ud6a8\uacfc\uc131\uc744 \uac1c\uc120\ud560 \uc218 \uc788\ub2e4. \uc6b0\ub9ac\ub294 \uc124\uacc4\uc0ac\uc5d0\uac8c \uc81c\uacf5\ub418\ub294 \uc9c0\uc6d0\uc744 \uac04\uc18c\ud654\ud558\uace0 \ud589\uc815\uc5c5\ubb34\uc758 \ub9c8\ucc30\ube44\uc6a9\uc744 \uc808\uac10\ud560 \uae30\ud68c\uac00 \uc788\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4. \uc774\uc640 \uad00\ub828\ub41c \uad6c\uccb4\uc801\uc778 \ubd84\uc57c\ub85c\ub294 e-\uac00\uc785\uc2e0\uccad, e-\uc11c\ub958\uc81c\ucd9c, \ucf00\uc774\uc2a4 \ucd94\uc801 \uae30\ub2a5 \ub4f1\uc774 \uc788\ub2e4.<\/p>\n<hr \/>\n<p><strong>\ubcf4\uae30 16:<\/strong><\/p>\n<p>\ubbf8\uad6d\uc758 \uacbd\uc6b0 \ubcf4\ud5d8\uc778\uc218\uc2ec\uc0ac \uacfc\uc815\uc758 \ud601\uc2e0\uc774 \ud655\ub300\ub418\uace0 \uc788\uc73c\ub098 \uc5ec\uc804\ud788 \uac1c\uc120\uc758 \uae30\ud68c\ub294 \uc874\uc7ac\ud55c\ub2e4. \u00a0<img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-900 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-16.png\" alt=\"\" width=\"1037\" height=\"527\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-16.png 1037w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-16-300x152.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-16-1024x520.png 1024w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-16-768x390.png 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-16-696x354.png 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-16-826x420.png 826w\" sizes=\"auto, (max-width: 1037px) 100vw, 1037px\" \/><\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n<p>&nbsp;<\/p>\n<p>\uc608\ub97c \ub4e4\uc5b4, \uc140\ub80c\ud2b8(Celent)\uc5d0 \ub530\ub974\uba74 \uc885\uc774\uc11c\ub958 \uac00\uc785\uc2e0\uccad\uc740 ~70%\uc758 NIOG(not in good order) \ube44\uc728\uc744 \ubcf4\uc774\ub294 \ubc18\uba74, e-\uac00\uc785\uc2e0\uccad\uc758 \uacbd\uc6b0 NIGO\ub294 5% \uc815\ub3c4\uc5d0 \ubd88\uacfc\ud558\ub2e4. E-\uac00\uc785\uc2e0\uccad\uc740 \uc2e0\uccad \uac74\ub2f9 \ube44\uc6a9\uc744 \ubbf8\ud654 $312\uc5d0\uc11c $237\ub85c \uac10\uc18c\uc2dc\ud0a4\uace0 \ud3c9\uade0 \uc0ac\uc774\ud074 \ud0c0\uc784\uc740 ~55%(17\uc77c\ub85c) \uc904\uc77c \uc218 \uc788\ub2e4. \uc774\ub807\uac8c \uc785\uc99d\ub41c \uae30\uc220\uc744 \uc774\uc6a9\ud558\uba74 \uc0ac\uc774\ud074 \ud0c0\uc784\uc744 \uc218\uc77c\uc774 \uc544\ub2c8\ub77c \uc218\ubd84 \ub0b4\ub85c \ub2e8\ucd95\ud560 \uc218\ub3c4 \uc788\ub2e4.<\/p>\n<p>\ub610 \ub2e4\ub978 \uae30\ud68c\ub294 \ucf00\uc774\uc2a4 \ucd94\uc801 \uc5ed\ub7c9\uc744 \ud65c\uc6a9\ud558\ub294 \uac83\uc73c\ub85c, \uc774\ub97c \ud1b5\ud574 \uc124\uacc4\uc0ac(\ubc0f \uc18c\ube44\uc790)\ub294 \uac00\uc785\uc2e0\uccad \ud504\ub85c\uc138\uc2a4\uc758 \uc9c4\ud589 \uc0c1\ud0dc\ub97c \uc815\ud655\ud558\uac8c \uc54c \uc218 \uc788\uc5b4 \uc804\ubc18\uc801\uc778 \ud504\ub85c\uc138\uc2a4\uc758 \ud22c\uba85\uc131\uc744 \ub192\uc774\uace0 \uc2e0\uccad\uc11c \uc2b9\uc778 \ub300\uae30 \uae30\uac04\uacfc \uad00\ub828\ub41c \uc2dc\uac04 \ubc0f \ube44\uc6a9\uc744 \uc81c\uac70\ud560 \uc218 \uc788\ub2e4.<\/p>\n<p>\uc77c\uc815\uad00\ub9ac, \ud30c\uc774\ud504\ub77c\uc778 \ucd94\uc801, \uc131\uacfc \ubaa8\ub2c8\ud130\ub9c1 \ub3c4\uad6c \ub4f1 \uc124\uacc4\uc0ac \uc5c5\ubb34\ud750\ub984 \uad00\ub9ac\uc640 CRM(\uace0\uac1d \uad00\uacc4 \uad00\ub9ac) \ub3c4\uad6c\ub4e4\ub3c4 \uc0dd\uc0b0\uc131\uc744 \uac1c\uc120\ud558\uace0 \uc124\uacc4\uc0ac \ubc0f \ucd5c\uc885 \uace0\uac1d \uacbd\ud5d8\uc744 \ud5a5\uc0c1\uc2dc\ud0ac \uc7a0\uc7ac\ub825\uc744 \uac00\uc9c0\uace0 \uc788\ub2e4. \uc774\ub7ec\ud55c \uae30\uc220\uc740 \uc218 \ub144\uac04 \uc874\uc7ac\ud588\uc73c\ub098 \uc5c5\uacc4\uc758 \uc804\ubc18\uc801\uc778 \ucc44\ud0dd\ub960\uc740 \uc608\uc0c1\ubcf4\ub2e4 \ub0ae\uc558\ub2e4.<\/p>\n<p><strong>4. \ubcf4\uc720\uacc4\uc57d \uad00\ub9ac<\/strong><br \/>\n<em><strong>\uc804\ub7b5\uc801 \uc120\ud0dd\uc5d0 \ub300\ud55c \ud3c9\uac00 \u2013 \ubcf4\uc720\uacc4\uc57d\uc744 \uc2e0\uaddc\uacc4\uc57d\uc774 \uac00\ub2a5\ud558\ub3c4\ub85d \uc720\uc9c0, \ub7f0\uc624\ud504 \uc804\ud658, \uc800\uc131\uacfc \uacc4\uc57d \ucc98\ubd84, \uaddc\ubaa8 \ud655\ubcf4\ub97c \uc704\ud55c \uc778\uc218(\ubcf4\uc720\uacc4\uc57d \uc560\uadf8\ub9ac\uac8c\uc774\ud130) \ub4f1 \uad11\ubc94\uc704\ud55c \uc804\ub7b5\uc801 \ub300\uc548\ub4e4\uc744 \ud3c9\uac00<\/strong><\/em><\/p>\n<p>\ud22c\uc790\uc790\uc640 \ubcf4\ud5d8\uc0ac \uacbd\uc601\uc9c4(\ud2b9\ud788 \uc120\uc9c4\uad6d \uc2dc\uc7a5)\uc758 \uc911\uc694\ud55c \ub3c4\uc804\uacfc\uc81c \uc911 \ud558\ub098\ub294 \uc5b4\ub514\uc5d0\uc11c \uac00\uce58\uac00 \ucc3d\ucd9c(\ub610\ub294 \ud30c\uad34)\ub418\uace0 \uc788\ub294\uc9c0 \ud30c\uc545\ud558\ub294 \uac83\uc774\uba70, \uc774\ub97c \uc704\ud574\uc11c\ub294 \ubcf4\uc720\uacc4\uc57d, \uc2e0\uaddc\uacc4\uc57d, \uadf8\ub9ac\uace0 \uc720\ud1b5 \uac04\uc758 \uacbd\uc81c\ub17c\ub9ac\ub97c \ubd84\ub9ac\ud574\uc11c \uc0b4\ud3b4\ubcf4\uc544\uc57c \ud55c\ub2e4. \uc6b0\ub9ac\ub294 \ubcf4\uc720\uacc4\uc57d\uacfc \uc720\ud1b5 \uad6c\uc870\ub97c \uc720\uc9c0\ud558\uae30 \uc704\ud574 \uc190\uc2e4\uc744 \uac10\uc218\ud558\uace0 \uc2e0\uaddc\uacc4\uc57d\uc744 \uccb4\uacb0\ud558\ub294 \uacbd\uc6b0\ub3c4 \uc788\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4. \ub530\ub77c\uc11c, \ub300\ub9ac\uc810 \uc720\ud1b5 \ud601\uc2e0\uacfc \uad00\ub828\ub41c \uacb0\uc815\ub4e4\uc744 \ud1b5\ud574 \ubcf4\uc720\uacc4\uc57d \uc5ed\ud559\uad00\uacc4\ub97c \ub2e4\ub8f0 \ud544\uc694\uac00 \uc788\ub2e4.<\/p>\n<p>\ub9ce\uc740 \ubcf4\ud5d8\uc0ac\ub4e4\uc5d0 \uc788\uc5b4 \ubcf4\uc720\uacc4\uc57d \ubd80\ubb38\uc740 \uc800\uae08\ub9ac \uace0\uc790\ubcf8\uc694\uac74 \ud658\uacbd\uc5d0\uc11c \uc0c1\ub300\uc801\uc73c\ub85c \ub35c \ub9e4\ub825\uc801\uc774\uc5c8\ub358 \uc0c1\ud488\ub4e4\ub85c \uad6c\uc131\ub418\uc5b4 \uc788\ub2e4. \uadf8 \uacb0\uacfc, \ub9ac\uc2a4\ud06c \uc790\ubcf8\uc758 \uc0c1\ub2f9 \ubd80\ubd84\uc774 \ube44\uc804\ub7b5\uc801\uc77c \uc218\ub3c4 \uc788\ub294 \uc800\uc218\uc775 \uc0c1\ud488\ub4e4\uc5d0 \ubb36\uc5ec \uc788\ub294 \ub9ce\uc740 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \ubb38\uc81c\ud574\uacb0 \ub300\uc548\ub4e4\uc744 \ud3c9\uac00\ud558\uac8c \ub418\uc5c8\ub2e4.<\/p>\n<p>\ud06c\uac8c \ubcf4\uc790\uba74, \ubcf4\uc720\uacc4\uc57d \ubd80\ubd84\uc5d0 \uc788\uc5b4 \ubcf4\ud5d8\uc0ac\ub4e4\uc758 \ub300\uc548\uc740 <strong>\ubcf4\uae30 17<\/strong>\uc5d0\uc11c\ucc98\ub7fc \ub300\ub7b5 \ub124 \uac00\uc9c0\ub85c \ubd84\ub958\ub420 \uc218 \uc788\ub2e4:<br \/>\n<strong>\u2022\u00a0<\/strong>\uacc4\uc18d\ud574\uc11c \uc2e0\uaddc\uacc4\uc57d \uccb4\uacb0(\uc989, business as usual)<br \/>\n<strong>\u2022\u00a0<\/strong> \ubcf4\uc720\uacc4\uc57d\uc740 \uc2e0\uaddc \ubc30\uc81c(\uc989, \ub7f0\uc624\ud504\ub85c \uc804\ud658)<br \/>\n<strong>\u2022\u00a0<\/strong> \ubcf4\uc720\uacc4\uc57d\uc744 \uc2e0\uaddc\uacc4\uc57d \uc6b4\uc601\uc5d0\uc11c \ubd84\ub9ac(\uc989, \uacbd\uc601\uc9c4\uc774 \ub450 \uc694\uc18c\ub85c\ubd80\ud130 \uac00\uce58\ub97c \ub3c4\ucd9c\ud558\ub294 \uba85\ud655\ud55c \uad8c\ud55c\uc744 \uac16\ub3c4\ub85d \ud568)<br \/>\n<strong>\u2022\u00a0<\/strong>\ud2b9\uc815\uacc4\uc57d \ub9e4\uac01, \ubcf4\uc720\uacc4\uc57d \uc560\uadf8\ub9ac\uac8c\uc774\uc158, \uc6b4\uc601 \uc544\uc6c3\uc18c\uc2f1 \ub4f1\uc744 \uc704\ud55c \uac70\ub798 \ucd94\uc9c4<\/p>\n<hr \/>\n<p><strong>\ubcf4\uae30 17:<\/strong><\/p>\n<p>\ubcf4\uc720\uacc4\uc57d\uc5d0 \ub300\ud55c \ud575\uc2ec \uc804\ub7b5 \ub300\uc548<\/p>\n<p><strong>\uc804\ub7b5\uc801 \ub300\uc548: \ubcf4\uc720\uacc4\uc57d vs. \uc2e0\uaddc\uacc4\uc57d\uc5d0 \ub300\ud574 \uac00\ub2a5\ud55c \uc811\uadfc\ubc29\uc2dd<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-901 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81017.png\" alt=\"\" width=\"601\" height=\"300\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81017.png 601w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81017-300x150.png 300w\" sizes=\"auto, (max-width: 601px) 100vw, 601px\" \/><\/p>\n<hr \/>\n<p>\uc804\uc138\uacc4 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc810\uc810 \ub354 \ubcf4\uc720\uacc4\uc57d \ube44\uc988\ub2c8\uc2a4\uc5d0 \ub300\ud574 \uc804\ub7b5\uc801\uc778 \uacb0\uc815\uc744 \ub0b4\ub9ac\uace0 \uc788\ub2e4. \uc608\ub97c \ub4e4\uba74, \uba54\ud2b8\ub77c\uc774\ud504(MetLife)\ub294 \uc18c\ub9e4 \uc6b4\uc601 \ubd80\ubb38\uc744 \ube0c\ub77c\uc774\ud2b8\ud558\uc6b0\uc2a4 \ud30c\uc774\ub0b8\uc15c(Brighthouse Financial)\ub85c \ubd84\ub9ac\ud558\uace0 \uc18c\ub9e4\uc720\ud1b5 \ubd80\ubb38\uc740 \ub9e4\uc2a4\ubba4\uce04\uc5bc(MassMutual)\uc5d0 \ub9e4\uac01\ud568\uc73c\ub85c\uc368 \ubbf8\uad6d \uac1c\uc778\uc0dd\ubcf4 \uc0ac\uc5c5\uc5d0\uc11c \ucca0\uc218\ud558\uae30\ub85c \uacb0\uc815\ud588\ub2e4. \uc774\uc640 \ube44\uc2b7\ud558\uac8c, \ubcf4\uc57c(Voya)\ub294 \uac1c\uc778\uc5f0\uae08 \ube44\uc988\ub2c8\uc2a4\uc758 \ub300\ubd80\ubd84\uc744 \uc0ac\ubaa8\ud380\ub4dc \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \ub9e4\uac01\ud55c \ub4a4 \uac1c\uc778\uc0dd\ubcf4 \ube44\uc988\ub2c8\uc2a4\ub97c \ub7f0\uc624\ud504\ub85c \uc804\ud658\ud558\uc5ec \uac1c\uc778 \uc0dd\ubcf4\uc0c1\ud488 \ud310\ub9e4\ub97c \uc911\ub2e8\ud558\uae30\ub85c \uacb0\uc815\ud588\ub2e4. \ub3c5\uc77c\uc758 \uc81c\ub124\ub784\ub9ac(Generali)\ub294 \uc804\ud1b5\uc801\uc778 \uc0dd\ubcf4 \ube44\uc988\ub2c8\uc2a4\uc758 \ub300\ubd80\ubd84\uc744 \ub9e4\uac01\ud588\ub2e4(\uc81c\ub124\ub784\ub9ac \ub808\ubca4(Generali Leben)). \ub9e4\ub274\ub77c\uc774\ud504(Manulife)(\uc640 \uc874\ud578\ucf55)\uc740 \ud6a8\uc728\uc131 \uc99d\ub300\ub97c \uc704\ud574 \uc77c\ubd80 \uc2e0\uaddc\ud310\ub9e4\uc885\ub8cc \ube44\uc988\ub2c8\uc2a4\uc5d0 \ub300\ud574 \ub9c1\ud39c\uc2a4(ringfence) \uc870\uce58\ub97c \ucde8\ud588\ub2e4.<\/p>\n<p>\uc774\ub7ec\ud55c \uc804\ub7b5\uc801\uc778 \uacb0\uc815\uc740 \uace0\ube44\uc6a9 \uc720\ud1b5\uad6c\uc870 \uc81c\uac70, \uc790\ubcf8\uc758 \ubc29\ucd9c(\uc774\ud6c4 \uace0\uc218\uc775 \uae30\ud68c\uc5d0 \uc7ac\ubc30\ubd84\ub418\uac70\ub098 \uc8fc\uc8fc\uc5d0\uac8c \uc9c0\uae09\ud560 \uc218 \uc788\uc74c), \ube44\uc988\ub2c8\uc2a4 \ub9ac\uc2a4\ud06c \ud504\ub85c\ud30c\uc77c \ubcc0\ud654 \ub4f1\uc758 \ubc29\ubc95\uc744 \ud1b5\ud574 \ubcf4\ud5d8\uc0ac\uc758 \uacbd\uc81c\ub17c\ub9ac\ub97c \ud06c\uac8c \ubc14\uafc0 \uc218 \uc788\ub2e4.<\/p>\n<hr \/>\n<p><strong>\uc608\uc2dc: \uba54\ud2b8\ub77c\uc774\ud504\uc758 \ubbf8\uad6d \uac1c\uc778 \uc0dd\ubcf4\uc5c5 \ucca0\uc218(\ub7f0\uc624\ud504):<\/strong><\/p>\n<p>\uba54\ud2b8\ub77c\uc774\ud504\ub294 \uc0c1\uc7a5\uae30\uc5c5 \uc911 \uc804\uc18d \ub300\ub9ac\uc810 \uc778\ub825 \uaddc\ubaa8\uac00 \uac00\uc7a5 \ud070 \uacf3 \uc911 \ud558\ub098\uc774\ub2e4. \uc774 \ud68c\uc0ac\ub294 2016\ub144 \ucd08\uc5d0 \uc18c\ub9e4 \uc0dd\uba85\ubcf4\ud5d8\uacfc \uc5f0\uae08 \ubd84\uc57c\uc5d0\uc11c \ucca0\uc218\ud560 \uacc4\ud68d\uc744 \ubc1c\ud45c\ud588\ub2e4. \uba54\ud2b8\ub77c\uc774\ud504\ub294 \ub9e4\uc2a4\ubba4\ucd94\uc5bc\uacfc\uc758 \uac70\ub798\ub97c \ud1b5\ud574 \uc804\uc18d \ub300\ub9ac\uc810 \ud50c\ub7ab\ud3fc\uc744 \ucc98\ubd84\ud588\uace0 \uae30\uc874 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc640 \uc0c1\ud488\uac1c\ubc1c \uc6b4\uc601\ubd80\ubb38\uc758 \ub300\ubd80\ubd84\uc744 \ube0c\ub77c\uc774\ud2b8\ud558\uc6b0\uc2a4 \ud30c\uc774\ub0b8\uc15c\uc774\ub77c\ub294 \uc0c8\ub85c\uc6b4 \ud68c\uc0ac\ub85c \ubd84\ub9ac\uc2dc\ucf30\ub2e4. \ub098\uba38\uc9c0 \uc18c\ub9e4\uc6b4\uc601 \ubd80\ubb38(\uc989, \ub274\uc695 \ubc95\uc778 \ub0b4\uc5d0 \uc788\ub294 \uc18c\ub9e4\uc6b4\uc601 \ubd80\ubb38)\uc740 \uba54\ud2b8\ub77c\uc774\ud504\uc5d0 \ub0a8\uc558\uc9c0\ub9cc \ub7f0\uc624\ud504\ub85c \uc804\ud658\ub418\uc5c8\ub2e4. \uc774\ub7ec\ud55c \uacb0\uc815\uc73c\ub85c \uc8fc\uc8fc\uac00\uce58\uac00 \ud06c\uac8c \uc0c1\uc2b9\ud588\ub294\uc9c0\ub294 \uc544\uc9c1 \ubd88\ubd84\uba85\ud558\ub098 \ud68c\uc0ac\uc758 \ub0a8\uc740 \ubd80\ubb38\uc740 \uc0c1\ub300\uc801\uc73c\ub85c \ub35c \uc790\ubcf8\uc9d1\uc57d\uc801\uc778 \ube44\uc988\ub2c8\uc2a4\ub97c \ud0c0\uac9f\uc73c\ub85c \uc0bc\uace0 \uc788\uc73c\uba70 \ub9ac\uc2a4\ud06c\ub294 \uc0c1\ub2f9 \ubd80\ubd84 \uac10\uc18c\ud55c \uac83\uc73c\ub85c \uc778\uc2dd\ub418\uace0 \uc788\ub2e4.<\/p>\n<hr \/>\n<p><strong><em>\ubcf4\uc720\uacc4\uc57d \ucd5c\uc801\ud654 \u2013 \ube44\uc6a9 \uad00\ub9ac(\uc608: \ud504\ub85c\uc138\uc2a4, IT \uccb4\uacc4, \uc870\uc9c1 \uad6c\uc870\uc758 \ucd5c\uc801\ud654), \uace0\uac1d \uad00\ub9ac(\uc608: \uc2e4\ud6a8, \uc5c5\uc140\ub9c1 \ubc0f \ud06c\ub85c\uc2a4\uc140\ub9c1), \ud6a8\uacfc\uc801\uc778 \uc7ac\ubb34(\uc608: \uc7ac\ubcf4\ud5d8), \uc790\uc0b0\uad00\ub9ac(ALM, \ud22c\uc790)\ub97c \ud1b5\ud574 \ubcf4\uc720\uacc4\uc57d\uc5d0\uc11c \uc810\uc9c4\uc801 \uac00\uce58\ub97c \ub3c4\ucd9c<\/em> <\/strong><br \/>\n\ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uae30\uc874 \uacc4\uc57d\uc744 \ub7f0\uc624\ud504\ub85c \uc804\ud658\ud55c\ub2e4 \ud558\ub354\ub77c\ub3c4 \uad81\uadf9\uc801\uc73c\ub85c\ub294 \uaddc\ubaa8\uac00 \uc904\uc5b4\ub4e4 \uac83\uc774 \uae30 \ub54c\ubb38\uc5d0 \ub2e8\uc704\ube44\uc6a9 \uad00\ub9ac\ub294 \uc2dc\uac04\uc774 \uc9c0\ub098\uba74\uc11c \ubb38\uc81c\uac00 \ubc1c\uc0dd\ud558\uac8c \ub41c\ub2e4. \uc5ec\ub7ec \uc694\uc18c\ub4e4\uc744 \ud65c\uc131\ud654\uc2dc\ucf1c \ubcf4\uc720\uacc4\uc57d\uc758 \uc131\uacfc\ub97c \uac1c\uc120\ud560 \uc218 \uc788\ub2e4. <strong>\ubcf4\uae30 18<\/strong>\uc740 \uc6b4\uc601 \ubc0f \ube44\uc6a9 \uad00\ub9ac, \uace0\uac1d \uad00\ub9ac, \uc7ac\ubb34\uc801 \ud6a8\uacfc, \uc790\uc0b0 \uad00\ub9ac \ubc0f \ubd80\ucc44 \uad00\ub9ac\uc758 \ub124 \uac00\uc9c0 \ubd84\uc57c\uc758 \uc8fc\uc694 \uc694\uc18c\ub4e4\uc744 \ubcf4\uc5ec\uc900\ub2e4.<\/p>\n<hr \/>\n<p><strong>\ubcf4\uae30 18:<\/strong><\/p>\n<p>\ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc5ec\ub7ec \uc694\uc18c\ub4e4\uc744 \uc774\uc6a9\ud558\uc5ec \ubcf4\uc720\uacc4\uc57d \ubd80\ubb38\uc758 \uac00\uce58\ub97c \uadf9\ub300\ud654\ud560 \uc218 \uc788\ub2e4.<\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 12pt;\"><strong>\uc77c\ubc18\uc801\uc778 \ubcf4\uc720\uacc4\uc57d \uad00\ub9ac \uac00\uce58\ucc3d\ucd9c \uc694\uc18c<\/strong><\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-902 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-18.png\" alt=\"\" width=\"645\" height=\"618\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-18.png 645w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-18-300x287.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-18-438x420.png 438w\" sizes=\"auto, (max-width: 645px) 100vw, 645px\" \/><\/p>\n<hr \/>\n<p>\uc704\uc5d0\uc11c \uc124\uba85\ud55c \ud575\uc2ec \uc694\uc18c\ub4e4\uc744 \uc911\uc2ec\uc73c\ub85c \ub300\ub9ac\uc810\uc744 \ud601\uc2e0\ud560 \uc218 \uc788\ub294 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc0c1\ub2f9\ud55c \uac00\uce58 \ucc3d\ucd9c \uae30\ud68c\uc640 \ubca8\ub958\uc5d0\uc774\uc158 \uc99d\uac00 \uac00\ub2a5\uc131\uc774 \uc788\ub2e4.<\/p>\n<p><strong>\ubcf4\uae30 19<\/strong>\uc5d0\uc11c \uc18c\uac1c\ub41c \uac83\ucc98\ub7fc \uc774\ub7ec\ud55c \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc131\uc7a5\ub960, \ube44\uc6a9\uc808\uac10, \uc790\ubcf8 \ubc29\ucd9c\uc758 \uce21\uba74\uc5d0\uc11c \uc0c1\ub2f9\ud55c \uc601\ud5a5\uc744 \ucc3d\ucd9c\ud560 \uc7a0\uc7ac\uc131\uc774 \uc788\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4.<\/p>\n<hr \/>\n<p><strong>\ubcf4\uae30 19:<\/strong><\/p>\n<p><strong>\uc8fc\uc694 \ub300\ub9ac\uc810 \ud601\uc2e0 \uc694\uc18c\uc758 \uc7a0\uc7ac\uc801 \uc601\ud5a5<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-903 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-19.png\" alt=\"\" width=\"1106\" height=\"704\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-19.png 1106w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-19-300x191.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-19-1024x652.png 1024w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-19-768x489.png 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-19-696x443.png 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-19-1068x680.png 1068w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-19-660x420.png 660w\" sizes=\"auto, (max-width: 1106px) 100vw, 1106px\" \/><\/p>\n<hr \/>\n<h3><span style=\"font-size: 18pt;\"><strong>\uc8fc\uc694 \uc2dc\uc0ac\uc810<\/strong><\/span><\/h3>\n<p>\ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc0dd\uba85\ubcf4\ud5d8 \uc720\ud1b5 \ud601\uc2e0\uc744 \uc704\ud574 \uc774\ubbf8 \uc804\ub7b5\uc801\uc73c\ub85c \uc6c0\uc9c1\uc774\uace0 \uc788\ub2e4 \u2013 \uadf8\ub7ec\ub098, \uc6b0\ub9ac\ub294 \uc55e\uc73c\ub85c\ub3c4 \uc0c1\ub2f9\ud55c \ubcc0\ud654\uac00 \uc77c\uc5b4\ub0a0 \uac83\uc73c\ub85c \uc0dd\uac01\ud55c\ub2e4. \uc8fc\uc694 \uc640\ud574 \uc138\ub825\uc774 \ubcf4\ud5d8\uc5c5 \uc678\ubd80\uc5d0\uc11c \ub098\ud0c0\ub0a0 \uac83\uc778\uc9c0\ub294 \ubd84\uba85\ud558\uc9c0 \uc54a\ub2e4.<\/p>\n<p>\ubcf4\ud5d8\uc5c5\uc774 \uaddc\uc81c\ub97c \ub9ce\uc774 \ubc1b\ub294 \ud2b9\uc131\uc774 \uc788\uace0 \uc790\ubcf8\uc9d1\uc57d\uc801\uc778 \uc0b0\uc5c5\uc774\ub2e4 \ubcf4\ub2c8 \uc0c1\ud488\uac1c\ubc1c\uc758 \uad00\uc810(\uc608: \ub9e4\uc6b0 \ub192\uc740 \uc9c4\uc785\uc7a5\ubcbd)\uc5d0\uc11c \uc0c1\ub300\uc801\uc73c\ub85c \uc8fc\uc694 \uc640\ud574\uc694\uc18c\uc5d0 \ub35c \ucde8\uc57d\ud558\uae30\ub294 \ud558\ub098, \uc7a5\uae30\uc801\uc73c\ub85c \ubcf4\uba74 \ud0c0\uc0b0\uc5c5\uc774 \uad11\ubc94\uc704\ud55c \ubc94\uc704\uc758 \uac74\uac15, \uc7ac\uc0b0, \uc6f0\ube59 \uacc4\ud68d \ubc0f \uc790\ubb38 \uc131\uaca9\uc758 \uac00\uce58\uc81c\uc548 \ub4f1\uc758 \uc77c\ud658\uc73c\ub85c\uc11c \uc0dd\uba85\ubcf4\ud5d8 \uc720\ud1b5\uc744 \ud601\uc2e0\ud558\ub294 \uac83\uc740 \ub9c9\uc9c0 \ubabb\ud560 \uc218 \uc788\ub2e4.<\/p>\n<p>\ubb3c\ub860, \uadf8\ub7ec\ud55c \ud601\uc2e0\uc801\uc778 \ubcc0\ud654\ub97c \uc774\ub8e8\uc5b4\ub0b4\ub294 \uac83\uc740 \ub9d0\ubcf4\ub2e4 \ud6e8\uc52c \uc5b4\ub824\uc6b4 \uc77c\uc774\ub2e4. \uc124\uacc4\uc0ac\ub4e4\uc740 \uc5ed\uc0ac\uc801\uc73c\ub85c \ubcc0\ud654\ub97c \uac70\ubd80\ud574\uc654\uace0 \ud544\uc694\ud55c \uae30\uc220\uacfc \ud601\uc2e0\uc740 \uc0c1\ub2f9\ud55c \uc218\uc900\uc774\uba70 \uc77c\ubd80 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc5ec\uc804\ud788 \uc2e0\uaddc\uacc4\uc57d\ubcf4\ub2e4\ub294 \ubcf4\uc720\uacc4\uc57d\uc5d0 \ub354 \uac00\uce58\uac00 \uc788\ub2e4\uace0 \uc0dd\uac01\ud560 \uc218\ub3c4 \uc788\ub2e4. \uadf8\ub807\uae30\uc5d0 \uc6b0\ub9ac\ub294 \uc678\ubd80\uc801 \uc555\ub825\uc774 \uacc4\uc18d\ud574\uc11c \ucee4\uc9c0\uace0 \uc788\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4. \uaddc\uc81c\ub294 \ube60\ub974\uac8c \ubcc0\ud558\uace0 \uc788\uace0 \uc778\uc811\uc0b0\uc5c5\uc758 \ub514\uc9c0\ud138 \uae30\uc5c5\ub4e4\uc740 \ub04a\uc784\uc5c6\uc774 \uc811\uadfc\ud558\uace0 \uc788\ub294 \ud55c\ud3b8, \uc804\ud1b5\uc801\uc778 \uae30\uc5c5\ub4e4\uc740 \ub2e4\ub978 \ubd84\uc57c\uc758 \ub3c4\uc804\uacfc\uc81c\ub4e4\uc744 \uace0\ub824\ud560 \ub54c \ub354 \uce58\uc5f4\ud55c \uacbd\uc7c1\uc744 \ud560 \uac00\ub2a5\uc131\uc774 \ub192\ub2e4.<\/p>\n<hr \/>\n<p><strong>\ubcf4\uae30 20:<\/strong><\/p>\n<p><span style=\"font-size: 12pt;\"><strong>\u201c\ubbf8\ub798\uc758 \ubcf4\ud5d8\ub300\ub9ac\uc810\u201d\uc758 \uc8fc\uc694 \ud2b9\uc9d5<\/strong><\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-904 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-20.png\" alt=\"\" width=\"1023\" height=\"586\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-20.png 1023w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-20-300x172.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-20-768x440.png 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-20-696x399.png 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-20-733x420.png 733w\" sizes=\"auto, (max-width: 1023px) 100vw, 1023px\" \/><\/p>\n<hr \/>\n<p>\u201c\uc77c\ub960\uc801\uc778\u201d \uc131\uacf5 \uacf5\uc2dd\uc740 \uc5c6\uc9c0\ub9cc \ubbf8\ub798\uc758 \ub300\ub9ac\uc810\uc740 \uc644\uc804\ud55c \uc790\ub3d9\ud654\uac00 \uc774\ub8e8\uc5b4\uc9c0\uace0 \uc124\uacc4\uc0ac\ub97c \uc124\uacc4\uc0ac\uac00 \uac00\uc7a5 \uc798 \ud560 \uc218 \uc788\ub294 \uc77c\uc5d0 \ud65c\uc6a9\ud558\uba70 \uace0\uac1d\uc758 \uc0dd\uc560 \uc804\ubc18\uc5d0 \uac78\uccd0 \ud6e8\uc52c \ud48d\ubd80\ud55c \uc194\ub8e8\uc158\uc744 \uc81c\uacf5\ud558\uace0 \uace0\uac1d \ub2c8\uc988\ub97c \ubcf4\ub2e4 \uc804\uccb4\uc801\uc778 \uad00\uc810\uc5d0\uc11c \ub2e4\ub8e8\ub294 \ub354 \ub113\uc740 \ubc94\uc704\uc758 \uc0dd\ud0dc\uacc4\uc5d0 \ubfcc\ub9ac\ub97c \ub0b4\ub9ac\uac8c \ub420 \uac83\uc774\ub2e4.<\/p>\n<p>\uc6b0\ub9ac\ub294 \ubcf4\ud5d8\uc5c5\uacc4\uac00 \uc9c1\uba74\ud558\uace0 \uc788\ub294 \uc720\ud1b5 \ubb38\uc81c\uc5d0 \uc804\uccb4\uc801\uc778 \uc811\uadfc\ubc29\uc2dd\uc744 \uc131\uacf5\uc801\uc73c\ub85c \uc801\uc6a9\ud558\ub294 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \ubaa8\ub4e0 \uc774\ud574\ub2f9\uc0ac\uc790\ub4e4\uc5d0\uac8c \uc0c1\ub2f9\ud55c \uac00\uce58\ub97c \ucc3d\ucd9c\ud560 \uac83\uc774\ub77c\uace0 \uc0dd\uac01\ud55c\ub2e4. \uc804\uc138\uacc4 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc9c0\ub09c \uba87 \ub144\uac04 \uac00\ud30c\ub978 \uc124\uacc4\uc0ac \uc99d\uac00\uc138\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc720\uc758\ubbf8\ud55c \uc124\uacc4\uc0ac \uc0dd\uc0b0\uc131 \uac1c\uc120\uc744 \ub2ec\uc131\ud55c \uc911\uad6d \uc0ac\ub840\uc758 \uc2dc\uc0ac\uc810 \ubc0f \uc804\ub7b5\uc758 \ud65c\uc6a9\uc744 \uace0\ub824\ud574 \ubcfc \uc218 \uc788\ub2e4.<br \/>\n\ub2e4\uc74c \uc139\uc158\uc5d0\uc11c\ub294 \ub3c5\uc77c, \ubbf8\uad6d, \uc911\uad6d, \uc778\ub3c4\uc758 \ub300\ub9ac\uc810 \ucc44\ub110\uc758 \uad6c\uccb4\uc801\uc778 \ub3c4\uc804\uacfc\uc81c\uc640 \uac00\ub2a5\ud55c \uc194\ub8e8\uc158\ub4e4\uc744 \uc790\uc138\ud788 \uc0b4\ud3b4\ubcfc \uac83\uc774\ub2e4.<\/p>\n<p><span style=\"font-size: 12pt;\"><strong>\ub3c5\uc77c \u2013 \uc804\uccb4\uc801\uc778 \uc2dc\uac01\uc73c\ub85c \uc811\uadfc<\/strong><\/span><\/p>\n<hr \/>\n<p><em>\uc804\ud615\uc801\uc778 \ub3c5\uc77c \uba40\ud2f0\ub77c\uc778 \ubcf4\ud5d8\uc0ac\uc5d0 \ub300\ud55c \uc6b0\ub9ac\uc758 \uc138\ubd80 \uc7ac\ubb34 \ubaa8\ub378\ub9c1\uc740 \ub300\ub9ac\uc810 \ud601\uc2e0 \uc694\uc18c \ub124 \uac00\uc9c0\ub97c \uc801\uc6a9\ud560 \uacbd\uc6b0 \uc0c1\ub2f9\ud55c \uac1c\uc120 \uac00\ub2a5\uc131\uc774 \uc788\uc74c\uc744 \ubcf4\uc5ec\uc900\ub2e4. \uc6b0\ub9ac\ub294 \ud3ec\uad04\uc801\uc778 \uad6c\uc870\uc870\uc815\uc744 \ud1b5\ud574 \uc8fc\uc8fc\uac00\uce58\uac00 \ub450 \ubc30 \uc774\uc0c1 \uc99d\uac00\ud558\ub294 \ud55c\ud3b8 \ubcf4\ud5d8\uac00\uc785\uc790\uc5d0\uac8c \ub354 \ub098\uc740 \uc131\uacfc\ub97c \uc81c\uacf5\ud558\uace0 \uaddc\uc81c \ub9ac\uc2a4\ud06c\uac00 \uac10\uc18c\ub420 \uc218 \uc788\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4.<\/em><\/p>\n<hr \/>\n<h3><span style=\"font-size: 18pt;\"><strong>\ubc30\uacbd<\/strong><\/span><\/h3>\n<p>\ub3c5\uc77c \ubcf4\ud5d8\uc124\uacc4\uc0ac\ub4e4\uc740 \uc77c\ubc18\uc801\uc73c\ub85c \uc815\uaddc\uc9c1 \uc9c1\uc6d0\uc73c\ub85c\uc11c \uc219\ub828\ub41c \uc5c5\ubb34\ub2a5\ub825\uc744 \uac16\ucd94\uc5c8\uc73c\uba70 \uad6d\uc81c\uae30\uc900\uc73c\ub85c \ubcfc \ub54c \uc18c\ub4dd\uc218\uc900\ub3c4 \ub192\uc740 \ud3b8\uc774\ub2e4.<\/p>\n<p>\ud2b9\uc774\ud55c \uac83\uc740 \uc774\ub4e4\uc774 P&amp;C \uc0c1\ud488\uc744 \uc911\uc810\uc801\uc73c\ub85c \ud310\ub9e4\ud558\uba70 \uc0dd\uba85 \ubcf4\ud5d8 \ubc0f \uc800\ucd95\uc131 \ubcf4\ud5d8 \ud310\ub9e4\uac00 \uc8fc\uc694 \ubd80\ucc28\uc801 \ud65c\ub3d9\uc774\ub77c\ub294 \uc810\uc774\ub2e4.<\/p>\n<p>P&amp;C\uc5d0 \uc8fc\ub825\ud558\uace0 \uc788\uc74c\uc5d0\ub3c4 \ub300\ub9ac\uc810\uc740 \uc5ec\uc804\ud788 \uc0dd\ubcf4 \uc601\uc5c5\uc758 \uc8fc\uc694 \ucc44\ub110\uc774\ub2e4 \u2013 \ubb3c\ub860, \uc2dc\uac04\uc774 \uc9c0\ub0a8\uc5d0 \ub530\ub77c \uc774 \ucc44\ub110\uc758 \uc911\uc694\uc131\uc740 \uc904\uc5b4\ub4e4 \uac83\uc774\ub2e4. <strong>\ubcf4\uae30 21 \ucc38\uc870. <\/strong><\/p>\n<p>\uadf8\ub7ec\ub098, \uc6b0\ub9ac\ub294 \uc774 \ubaa8\ub378\uc774 \ub2e4\uc74c \uc0ac\ud56d\uc744 \uace0\ub824\ud560 \ub54c \uc0c1\ub2f9\ud55c \uc555\ubc15\uc744 \ubc1b\uace0 \uc788\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4.<\/p>\n<p><strong>\u2022\u00a0<\/strong>\ub3c5\uc77c\uc758 \uc804\ud1b5\uc801\uc778 \uc0dd\ubcf4 \uc0c1\ud488\uc758 \uafb8\uc900\ud55c \ud310\ub9e4 \uac10\uc18c \u2013 \uc774\ub294 (\ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc800\uc218\uc775 \ubc0f Solvency 2 \ub3c4\uc785\uc5d0 \ub300\uc751\ud568\uc5d0 \ub530\ub978) \uacf5\uae09 \uac10\uc18c\uc640 (\uc0c1\ud488\uc758 \ubd88\ud22c\uba85\uc131 \ubc0f \uc77c\ubd80 \uae30\uc5c5\uc758 \uc7ac\ubb34 \ucde8\uc57d\uc131\uc5d0 \ub300\ud55c \uad00\uc2ec \uc9d1\uc911\uc73c\ub85c \uc778\ud55c) \uc18c\ube44\uc790 \uc218\uc694 \uc57d\uc138\ub85c \ucd09\ubc1c\ub428<\/p>\n<hr \/>\n<p><strong>\ubcf4\uae30 21:<\/strong><\/p>\n<p>\ucd5c\uadfc \uba87 \ub144\uac04\uc758 \ud558\ub77d\uc138\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \ub3c5\uc77c\uc5d0\uc11c \uc0dd\ubcf4 \ub300\ub9ac\uc810 \uc720\ud1b5\uc740 \uc5ec\uc804\ud788 \uc911\uc694\ud558\ub2e4.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-905 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81021.png\" alt=\"\" width=\"536\" height=\"385\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81021.png 536w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81021-300x215.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81021-534x385.png 534w\" sizes=\"auto, (max-width: 536px) 100vw, 536px\" \/><\/p>\n<hr \/>\n<p><strong>\u2022\u00a0<\/strong> \uc778\ud130\ub137 \uc9c1\uc811 \uc720\ud1b5\uc73c\ub85c\uc758 \ub290\ub9ac\uc9c0\ub9cc \ubd88\uac00\ud53c\ud55c \uc804\ud658\uc744 \uace0\ub824\ud560 \ub54c, P&amp;C \uac19\uc740 \uc0c1\ub300\uc801\uc73c\ub85c \ub2e8\uc21c\ud558\uace0 \ud22c\uba85\ud55c \uc0c1\ud488\uc758 \uc218\uc218\ub8cc\uc5d0 \ub300\ud55c \uad6c\uc870\uc801 \uc555\ub825<\/p>\n<p>\ub610\ud55c, \ubcf4\ud5d8\uc0ac\uc758 \uad00\uc810\uc5d0\uc11c \ub300\ub9ac\uc810 \uc720\ud1b5\ube44\uc6a9\uc740 \ub192\uc744 \ubfd0 \uc544\ub2c8\ub77c \uc720\uc5f0\ud558\uc9c0 \uc54a\uc73c\uba70, \ud2b9\ud788 \ub354 \ubbfc\ucca9\ud55c \ub514\uc9c0\ud138 \uacbd\uc7c1\uc790\ub4e4\uc5d0 \ube44\ud574\uc11c\ub294 \ub354\uc6b1 \uadf8\ub7ec\ud558\ub2e4.<\/p>\n<p>\ucc44\ub110\uc5d0 \ub300\ud55c \uc555\ub825\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc6b0\ub9ac\uc758 \ubd84\uc11d\uc740 \uc124\uacc4\uc0ac\ub4e4\uc774 \uc218\uc775\uc5d0\uc11c \ucc28\uc9c0\ud558\ub294 \ube44\uc911\uc774 \ub298\uc5b4\ub098\uace0 \uc788\uc74c\uc744 \ubcf4\uc5ec\uc900\ub2e4.<\/p>\n<p><strong>\ubcf4\uae30 22<\/strong>\uc5d0\uc11c \uc54c \uc218 \uc788\ub4ef\uc774, \uc601\uc5c5(\uc989 \uc720\ud1b5)\uc740 2007\ub144\ub3c4 \uc218\uc775\uc758 31%\ub97c \ucc28\uc9c0\ud55c \uac83\uc73c\ub85c \ucd94\uc815\ub41c\ub2e4. 2017\ub144 \ubb34\ub835\uc5d0\ub294 \uc720\ud1b5\uc758 \ube44\uc911\uc774 38%\ub85c \uc99d\uac00\ud55c \ubc18\uba74, \ubcf4\ud5d8\uac00\uc785\uc790\uc758 \ube44\uc911\uc740 (52%\uc5d0\uc11c) 35%\ub85c \ud558\ub77d\ud588\ub2e4.<\/p>\n<p>\uc8fc\uc8fc\uc5d0\uac8c \ub3cc\uc544\uac00\ub294 \uc218\uc775\uc740 \ucd5c\uc18c\uc57d\uc815\ubcf4\uc99d\uc561 \uc218\uc900\uc73c\ub85c \uac00\uc785\uc790 \uc9c0\uae09\uc561\uc744 \uac10\uc18c\uc2dc\ud0a4\uace0 \ubcf4\uc218 \ubc0f \ubd80\uac00\ubcf4\ud5d8\ub8cc\ub97c \uc7ac\uc0b0\uc815\ud568\uc73c\ub85c\uc368 \uc548\uc815\ud654\ub418\uc5c8\ub2e4. \ube44\uc720\ud1b5 \ubd80\ubb38\uc758 \uc9c1\uc6d0(\uc989 \ubcf4\ud5d8\uc0ac \uc9c1\uc6d0)\uc774 \ucc28\uc9c0\ud55c \ube44\uc911\uc740 2ppt \uc0c1\uc2b9\ud588\ub2e4.<\/p>\n<p>2007\ub144 \uc774\ud6c4\ub85c \uc720\ud1b5\uc790\uac00 \ucc28\uc9c0\ud55c \ube44\uc911\uc740 7ppt \uc99d\uac00\ud55c \ubc18\uba74, \uace0\uac1d\uc758 \ube44\uc911\uc740 17ppt \uac10\uc18c\ud588\ub2e4.<br \/>\n\uc774\ub294 \uc9c0\uc18d\uac00\ub2a5\uc131\uc774 \uc5c6\ub294 \uac83\uc73c\ub85c \ud310\ub2e8\ub41c\ub2e4.<\/p>\n<hr \/>\n<p><strong>\ubcf4\uae30 22:<\/strong><\/p>\n<p>\uc720\ud1b5\uc740 \uace0\uac1d\uc758 \ud76c\uc0dd\uc73c\ub85c \uc218\uc775\uc5d0\uc11c \ucc28\uc9c0\ud558\ub294 \ube44\uc911\uc774 \ucee4\uc84c\ub2e4(\uc608\uc2dc\ub294 \uc804\ud1b5\uc801 \uc0dd\ubcf4\uc0ac\uc5d0 \ub300\ud55c \ub3c5\uc77c \uaddc\uc81c\ub2f9\uad6d \ub370\uc774\ud130\uc758 \ubd84\uc11d\uc5d0 \uae30\ubc18)<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-906 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81022.png\" alt=\"\" width=\"539\" height=\"402\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81022.png 539w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81022-300x224.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81022-80x60.png 80w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81022-265x198.png 265w\" sizes=\"auto, (max-width: 539px) 100vw, 539px\" \/><\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n<h3><span style=\"font-size: 18pt;\"><strong>\uc6b0\ub9ac\uc758 \uace0\uc720 \uc7ac\ubb34 \ubaa8\ub378\ub9c1<\/strong><\/span><\/h3>\n<p>\uc6b0\ub9ac\ub294 \ub3c5\uc77c \ubcf4\ud5d8\uc0b0\uc5c5\uc758 \ubcf5\uc7a1\uc131\uc73c\ub85c \uc778\ud574 \ud604\uc7ac\uc758 \uc0c1\ud0dc\uac00 \ucd08\ub798\ub41c \uce21\uba74\ub3c4 \uc788\ub2e4\uace0 \uc0dd\uac01\ud558\uba70, \ubd88\ud22c\uba85\ud55c \uc218\uce58 \ub54c\ubb38\uc5d0 \ud22c\uc790\uc790 \ub610\ub294 \uacbd\uc601\uc9c4\uc774 \uac15\ub825\ud558\uac8c \ud601\uc2e0\uc744 \uc8fc\uc7a5\ud558\ub294 \uac83\uc774 \uc27d\uc9c0 \uc54a\uc740 \uc0c1\ud669\uc774\ub2e4.<\/p>\n<p>\ud2b9\ud788, \ud310\ub9e4\uac00 \uc774\ub8e8\uc5b4\uc9c0\uc9c0 \uc54a\ub294 \ubcf4\uc720\uacc4\uc57d(back book)\uc5d0\uc11c \uc2e0\uaddc\uacc4\uc57d\uc758 \uc790\uae08\uc744 \uad50\ucc28\uc9c0\uc6d0\ud558\uace0 \uc788\uae30 \ub54c\ubb38\uc5d0 \uc678\ubd80\uc790\uc758 \uc2dc\uac01\uc73c\ub85c \ubd24\uc744 \ub54c \ud604\uc7ac\uc758 \ube44\uc988\ub2c8\uc2a4 \ubaa8\ub378\uc774 \uc790\ubcf8 \ube44\uc6a9\uc744 \ub2e4\ub8e8\uace0 \uc788\ub294\uc9c0 \uc5ec\ubd80\ub97c \ud30c\uc545\ud558\ub294 \uac83\uc740 \uc5b4\ub824\uc6b4 \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4.<\/p>\n<p>\uc2e4\uc81c\ub85c, \uc6b0\ub9ac\ub294 \uc811\uadfc\ubc29\uc2dd\uc744 \uc5b4\ub5a4 \uc2dd\uc73c\ub85c\ub4e0 \ubc14\uafb8\uac8c \ub418\uba74 \uc0c1\ub2f9\ud55c \uad6c\uc870\uc870\uc815 \ube44\uc6a9\uc744 \ucd08\ub798\ud560 \uac00\ub2a5\uc131\uc774 \ub192\uae30 \ub54c\ubb38\uc5d0(\uc608\ub97c \ub4e4\uba74, \ub2e8\uc704 \ube44\uc6a9\uc744 \ub7f0\uc624\ud504 \uae30\uc900\uc73c\ub85c \uc778\uc2dd\ud558\ub294 \uac83\uc744 \uc758\ubb34\ud654\ud558\uace0 \ud310\ub9e4\uc885\ub8cc \ubc0f \ud574\uc9c0 \ube44\uc6a9\uc744 \ucda9\ub2f9\ud558\ub294 \uac83) \ub9ce\uc740 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \ud604\uc7ac\uc758 \uc720\ud1b5 \uad6c\uc870\ub97c \uc720\uc9c0\ud558\uae30 \uc704\ud574 \uc190\uc2e4\uc744 \uac10\uc218\ud558\uace0 \uc2e0\uaddc\uacc4\uc57d\uc744 \uccb4\uacb0\ud55c\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4.<\/p>\n<p>\uac00\uc7a5 \uc801\uc808\ud55c \uc804\ub7b5\uc801 \ub300\uc751\ubc29\uc548\uc744 \ud3c9\uac00\ud558\uae30 \uc704\ud574 \uc6b0\ub9ac\ub294 \uc2e0\uaddc\uacc4\uc57d\uc744 \ud310\ub9e4\uc885\ub8cc\ub41c \ubcf4\uc720\uacc4\uc57d(backbook)\uc5d0\uc11c \uba85\ud655\ud558\uac8c \ubd84\ub9ac\ud560 \ubfd0 \uc544\ub2c8\ub77c \uc124\uacc4\uc0ac\uc758 \uc218\uc785\uacfc \ube44\uc6a9\ub3c4 \uace0\ub824\ud558\ub294 \uace0\uc720\uc758 \uc7ac\ubb34 \ubaa8\ub378\uc744 \uad6c\ucd95\ud588\ub2e4.<br \/>\n<strong>\ubcf4\uae30 23<\/strong> \uc740 \ubaa8\ub378\uc758 \uad6c\uc870\ub97c \ubcf4\uc5ec\uc900\ub2e4.<\/p>\n<p>\uc6b0\ub9ac\uc758 \ubaa9\ud45c\ub294 \ucd5c\uc801\uc758 \uc2e4\ud589\uacc4\ud68d \ud30c\uc545\uc5d0 \ub3c4\uc6c0\uc774 \ub418\ub294 \ub2e4\uc591\ud55c \uc804\ub7b5\uc801 \ubc29\uc548\uc758 \uc601\ud5a5\uc744 \uc815\ub7c9\ud654\ud560 \uc218 \uc788\ub3c4\ub85d \ub9cc\ub4dc\ub294 \uac83\uc774\ub2e4. \uc6b0\ub9ac\uc758 DCF(discounted cash flow, \ud604\uae08\ud750\ub984\ud560\uc778\ubc95) \ubaa8\ub378\uc740 \ubcf4\ud5d8\uc0ac \ubc0f \uae30\ud0c0 \uc5c5\uacc4 \ucc38\uc5ec\uc790\ub4e4\uacfc\uc758 \uc138\ubd80\uc801\uc778 \ub17c\uc758\ub97c \ud1b5\ud574 \uba74\ubc00\ud558\uac8c \uc870\uc815\ub418\uc5c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \ud2b9\uc815 \ubcf4\ud5d8\uc0ac\ub97c \ubb34\uc791\uc815 \ub530\ub77c\ud558\ub294 \uac83\uc774 \uc544\ub2c8\ub77c \uc77c\ubc18\uc801\uc778 \ubcf4\ud5d8\uc0ac\ub97c \uc704\ud574 \ub2e4\uc591\ud55c \uc804\ub7b5\uc801 \uc120\ud0dd\uc9c0\uc758 \uc0c1\ub300\uc801\uc778 \uc7a5\ub2e8\uc810\uc744 \ub098\ud0c0\ub0b4\uace0\uc790 \ud55c\ub2e4.<\/p>\n<p><strong>\ub124 \uac00\uc9c0\uc758 \uc8fc\uc694 \ud601\uc2e0 \uc694\uc18c\ub97c \uc801\uc6a9\ud560 \uacbd\uc6b0 \ub3c5\uc77c\uc5d0\uc11c \uc0c1\ub2f9\ud55c \uac00\uce58\ub97c \ucc3d\ucd9c\ud560 \uc218 \uc788\ub2e4.<\/strong><br \/>\n\uc804\ud615\uc801\uc778 \ub3c5\uc77c\uc758 \uc804\ud1b5 \uba40\ud2f0\ub77c\uc778 \ubcf4\ud5d8\uc0ac\uc5d0 \uc6b0\ub9ac\uc758 \ub300\ub9ac\uc810 \ud601\uc2e0 \ud504\ub808\uc784\uc6cc\ud06c\ub97c \uc801\uc6a9\ud55c\ub2e4\uba74 \uac00\uce58\ub97c \ub450 \ubc30 \uc774\uc0c1 \uc99d\uac00\uc2dc\ud0ac \uac00\ub2a5\uc131\uc774 \uc788\ub2e4 \u2013 <strong>\ubcf4\uae30 24<\/strong> \ucc38\uc870.<\/p>\n<p>\uc774\ubcf4\ub2e4 \ub35c \uc57c\uc2ec\ucc28\uace0 \ub35c \ud3ec\uad04\uc801\uc778 \uad6c\uc870\uc870\uc815 \ub300\uc548\ub4e4\ub3c4 \uc874\uc7ac\ud55c\ub2e4. \uadf8\ub7ec\ub098, \ud655\uc2e4\ud55c \uc774\ud574\ub97c \uc704\ud574 \uc6b0\ub9ac\ub294 \ubcf4\ud5d8\uc0ac\uac00 \ub300\ub2f4\ud558\uace0 \uacb0\uc815\uc801\uc778 \uc870\uce58\ub97c \ucde8\ud558\uae30\ub85c \ud588\uc744 \ub54c \uac00\ub2a5\ud55c \uc0ac\ud56d\ub4e4\uc744 \uc81c\uc2dc\ud558\uace0\uc790 \ud588\ub2e4.<\/p>\n<p>\uc6b0\ub9ac\uc758 \ubd84\uc11d\uc740 \uc2e4\ud589 \ub9ac\uc2a4\ud06c \uac00\ub2a5\uc131\uc744 \uad6c\uccb4\uc801\uc73c\ub85c \ud3ec\ud568\uc2dc\ud0a4\uc9c0 \uc54a\uc558\uc73c\ub098 \uc774\ub294 \ubaa8\ub378\uc758 \ud604\uae08\ud750\ub984\uc5d0 \uc801\uc6a9\ud558\ub294 \ub9ac\uc2a4\ud06c \ud560\uc778\uc728\uc744 \uc870\uc815\ud568\uc73c\ub85c\uc368 \ub300\ub7b5\uc801\uc73c\ub85c \uc870\uc815\ud560 \uc218 \uc788\ub2e4.<\/p>\n<hr \/>\n<p><strong>\ubcf4\uae30 23:<\/strong><\/p>\n<p>\ub3c5\uc77c\uc758 \uc0ac\ub840\uc5d0 \uc801\uc6a9\ub41c \uc6b0\ub9ac \uc7ac\ubb34 \ubaa8\ub378\uc758 \ub2e8\uc21c\ud654\ub41c \uad6c\uc870 \u2013 \uc6b0\ub9ac\ub294 \ubcf4\uc720\uacc4\uc57d, \uc2e0\uaddc\uacc4\uc57d, \uc720\ud1b5\uc758 \uacbd\uc81c\ub17c\ub9ac\ub97c \ubd84\ub9ac\ud574\uc11c \uc0b4\ud3b4\ubcf4\uace0\uc790 \ud588\ub2e4.<\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 12pt;\"><strong>\uc7ac\ubb34 \ubaa8\ub378\uc758 \ub2e8\uc21c\ud654\ub41c \uad6c\uc870<\/strong><\/span><\/p>\n<p><strong>(<\/strong><strong>\ubcf4\uc720\uacc4\uc57d, \uc2e0\uaddc\uacc4\uc57d, \uc124\uacc4\uc0ac \uacbd\uc81c\ub17c\ub9ac\uc5d0 \ubbf8\uce58\ub294 \ubcc0\ud654\uc758 \uc601\ud5a5\uc744 \ubd84\ub9ac\ud574\uc11c \uace0\ub824\ud568)<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-907 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-23.png\" alt=\"\" width=\"1145\" height=\"547\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-23.png 1145w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-23-300x143.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-23-1024x489.png 1024w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-23-768x367.png 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-23-696x332.png 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-23-1068x510.png 1068w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-23-879x420.png 879w\" sizes=\"auto, (max-width: 1145px) 100vw, 1145px\" \/><\/p>\n<hr \/>\n<p>\uac01 \uc694\uc18c\ub97c \ucc28\ub840\ub300\ub85c \uc0b4\ud3b4\ubcf4\uc790:<\/p>\n<p><strong>1) \ub300\ub9ac\uc810 \ud65c\uc131\ud654 \u2013 ~37% \uac00\uce58 \uc0c1\uc2b9<\/strong><br \/>\n\ub3c5\uc77c\uc758 \ub9ce\uc740 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc608\uc804\ubd80\ud130 \ubcc0\ud654\ub97c \uac70\ubd80\ud558\ub294 \uacbd\ud5a5\uc744 \ubcf4\uc600\ub294\ub370, \uc774\ub294 \ub300\ub9ac\uc810 \ucc44\ub110\uc5d0 \ud22c\uc790\uac00 \ubd80\uc871\ud588\ub358 \uc8fc\uc694 \uc694\uc778 \uc911 \ud558\ub098\uc600\ub2e4. \uc6b0\ub9ac\ub294 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \ube44\uc988\ub2c8\uc2a4 \ubaa8\ub378\uc758 \uadfc\ubcf8\uc801\uc778 \ud601\uc2e0\uc744 \uc704\ud574 \ud601\uc2e0\uc801\uc778 \ud22c\uc790\ub97c \ub2e8\ud589\ud558\ub294 \ube45\ub51c\uc744 \ud611\uc0c1\ud560 \ud544\uc694\uac00 \uc788\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4. \uc774\ub7ec\ud55c \uc811\uadfc\ubc29\uc2dd\uc5d0 \uc788\uc5b4 \ud575\uc2ec \uc694\uc18c\ub294 \ubcf4\ud5d8\ub300\ub9ac\uc810\uc744 \ub9e4\ub825\uc801\uc774\uace0 \uc548\uc815\uc801\uc778 \uace0\uc218\uc775 \ucee4\ub9ac\uc5b4 \ub300\uc548\uc73c\ub85c \ub9cc\ub4dc\ub294 \ub3d9\uc2dc\uc5d0 \ubcf4\ud5d8\uc0ac\uc640 \ubcf4\ud5d8\uac00\uc785\uc790 \ubaa8\ub450\uc758 \uad00\uc810\uc5d0\uc11c \uc0c1\ud488\uc758 \uacbd\uc81c\ub17c\ub9ac\ub97c \uc7ac\uc815\uc758\ud558\ub294 \uac83\uc774\ub2e4.<\/p>\n<p><em><strong>1.1 \ub300\ub9ac\uc810 \uc0dd\uc560\uc8fc\uae30 \uad00\ub9ac<\/strong><\/em><br \/>\n\ud604\uc2e4\uc801\uc73c\ub85c \ubaa8\ub4e0 \uc124\uacc4\uc0ac\ub4e4\uc774 \uc6b0\ub9ac\uc758 \u201c\ube45\ub51c\u201d\uc5d0 \ub3d9\uc758\ud558\uc9c0\ub294 \uc54a\uc744 \uac83\uc774\ub2e4. \uc6b0\ub9ac\ub294 \uace0\uc131\uacfc \uc124\uacc4\uc0ac\uc758 10%, \uc0c1\ub300\uc801\uc73c\ub85c \uc0dd\uc0b0\uc131\uc774 \ub0ae\uc740 \uc124\uacc4\uc0ac\uc758 20%\uc758 \uc774\uc9c1\uc744 \uc608\uc0c1\ud55c\ub2e4. \ubcf4\uae30 24\uc758 \ub9c8\uc774\ub108\uc2a4 \uac12\uc740 \ub300\ub9ac\uc810 \uc778\ub825 \ud65c\uc131\ud654\uc640 \uad00\ub828\ub41c \ube44\uc6a9(P&amp;C \ubcf4\ud5d8\ub8cc\uc758 3.5%\uc640 \ucd5c\ucd08 2\ub144 \uc0dd\ubcf4 \uc900\ube44\uae08\uc758 25bps\ub85c \uac00\uc815)\ubfd0\ub9cc \uc544\ub2c8\ub77c \uc774\uc9c1\ud558\ub294 \uc124\uacc4\uc0ac\uc758 \ud310\ub9e4 \uc190\uc2e4\uc744 \ubc18\uc601\ud55c\ub2e4.<\/p>\n<p><em><strong>1.2 \ud6a8\uacfc\uc801\uc778 \uc601\uc5c5\uc778\ub825<\/strong><\/em><\/p>\n<p>\uc6b0\ub9ac\ub294 \uc880\ub354 \ud6a8\uacfc\uc801\uc73c\ub85c \ud0c0\uac9f\ud654\ub41c \uad50\uc721\uc744 \ud65c\uc6a9\ud568\uc73c\ub85c\uc368 \uc5c5\ubb34\ub2a5\ub825\uc758 \uaca9\ucc28\uc640 \ube44\ud575\uc2ec \ud589\uc815\uc5c5\ubb34\uc758 \uc911\uc559\uc9d1\uc911\ud654 \ubb38\uc81c\ub97c \ud574\uacb0\ud558\uc5ec \uace0\uac1d \ud560\uc560 \uc2dc\uac04\uc744 \ud655\ub300\ud560 \uac83\uc744 \uc81c\uc548\ud55c\ub2e4.<\/p>\n<p>\uc124\uacc4\uc0ac\ub4e4\uc740 \uc57d\uac04\uc758 \uc190\uc2e4\uc728 \uc545\ud654(~50bps)\ub97c \uac10\uc218\ud560 \uac00\ub2a5\uc131\uc774 \ub192\uae34 \ud558\ub098 P&amp;C \uc0c1\ud488\uc744 30% \ub354 \ub9ce\uc774 \ud310\ub9e4\ud560 \uc218 \uc788\uc744 \uac83\uc774\ub2e4.<\/p>\n<p>\uc774\ub294 \uc0dd\uba85\ubcf4\ud5d8 \ub300\ub9ac\uc810 \ucc44\ub110\uc5d0\uc11c \uc8fc\ub825\ud558\ub294 \ubd80\ubd84\uc774 \uc544\ub2c8\uc5c8\ub2e4\ub294 \uc810\uc744 \uace0\ub824\ud560 \ub54c, \uc120\ud638\ub418\ub294 \ube44\uc804\ud1b5\uc801 \uc0dd\ubcf4 \uc0c1\ud488\uc758 \uacbd\uc6b0(\ud22c\uc790\ud615, \uac74\uac15 \ubc0f \ubcf4\uc7a5\uc131 \uc0c1\ud488 \ub4f1)\ub77c\uba74 \ud310\ub9e4\uac00 40% \ub298\uc5b4\ub0a0 \uc218\ub3c4 \uc788\uc744 \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4. \uc804\ud1b5\uc801\uc778 \uc0dd\ubcf4 \ube44\uc988\ub2c8\uc2a4\ub294 \ub2e4\uc74c \uc139\uc158\uc5d0\uc11c \uc0b4\ud3b4\ubcfc \uac83\uc774\ub2e4.<\/p>\n<p>\uc6b0\ub9ac\uc758 \uc124\uacc4\uc0ac \uc11c\ubca0\uc774\ub294 \ub3c5\uc77c \uc124\uacc4\uc0ac\ub4e4\uc5d0\uac8c \uc790\uc2e0\uc758 \uc804\uc18d \ubcf4\ud5d8\uc0ac\uc758 \uacbd\uc7c1\ub825\uc744 \ud655\ubcf4\ud558\uae30 \uc704\ud574 \uc5b4\ub5a0\ud55c \uc870\uce58\ub4e4\uc744 \ucde8\ud560 \uc900\ube44\uac00 \ub418\uc5b4 \uc788\ub294\uc9c0 \uc9c8\ubb38\ud588\uc73c\uba70 \u2013 \ubcf4\uae30 25 \ucc38\uc870 \u2013 \uac00\uc7a5 \uc120\ud638\ud558\ub294 \ub2f5\ubcc0\uc740 \uc5c5\ubb34\ub2a5\ub825 \uac1c\uc120 \ubc0f \uc0c1\ud488\ubc94\uc704 \ud655\ub300\ub85c \ub098\ud0c0\ub0ac\ub2e4.<\/p>\n<hr \/>\n<p><strong>\ubcf4\uae30 24:<\/strong><\/p>\n<p>\uc6b0\ub9ac\uc758 \ubaa8\ub378\ub9c1\uc740 \ub3c5\uc77c\uc5d0\uc11c \uc0c1\ub2f9\ud55c \uac00\uce58 \uc0c1\uc2b9\uc774 \uac00\ub2a5\ud568\uc744 \ubcf4\uc5ec\uc900\ub2e4 (BAU case =100)<\/p>\n<p><strong><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-908 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-24.jpg\" alt=\"\" width=\"1110\" height=\"728\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-24.jpg 1110w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-24-300x197.jpg 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-24-1024x672.jpg 1024w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-24-768x504.jpg 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-24-696x456.jpg 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-24-1068x700.jpg 1068w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-24-640x420.jpg 640w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-24-741x486.jpg 741w\" sizes=\"auto, (max-width: 1110px) 100vw, 1110px\" \/><\/strong><\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n<p><strong>\ubcf4\uae30 25:<\/strong><\/p>\n<p>\uc54c\ud30c\uc640\uc774\uc988 \uc11c\ubca0\uc774\ub294 \ub3c5\uc77c \uc124\uacc4\uc0ac\ub4e4\uc774 \uc804\uc18d \ubcf4\ud5d8\uc0ac\uc758 \uacbd\uc7c1\ub825 \ud655\ubcf4\uc5d0 \ub3c4\uc6c0\uc774 \ub418\uae30 \uc704\ud574 \ucd94\uac00 \uad50\uc721\uc744 \uc774\uc218\ud558\uace0 \uc0c1\ud488 \ubc94\uc704\ub97c \ud655\ub300\ud558\ub294 \ub4f1\uc758 \uc77c\ub828\uc758 \uc870\uce58\ub4e4\uc744 \ucde8\ud560 \uc758\ud5a5\uc774 \uc788\uc74c\uc744 \ubcf4\uc5ec\uc900\ub2e4.<\/p>\n<p><strong>\ub3c5\uc77c: \ubcf4\ud5d8\uc0ac\uc758 \uacbd\uc7c1\ub825 \uc720\uc9c0\ub97c \uc704\ud55c \ud65c\ub3d9<\/strong><\/p>\n<p><strong><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-909 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-25.png\" alt=\"\" width=\"1113\" height=\"685\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-25.png 1113w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-25-300x185.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-25-1024x630.png 1024w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-25-768x473.png 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-25-696x428.png 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-25-1068x657.png 1068w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-25-682x420.png 682w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-25-356x220.png 356w\" sizes=\"auto, (max-width: 1113px) 100vw, 1113px\" \/><\/strong><\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n<p><em><strong>1.3 \uc778\uc13c\ud2f0\ube0c \uc7ac\uc124\uc815<\/strong><\/em><br \/>\n\uc55e\uc11c \uc124\uba85\ud588\ub4ef\uc774, \uc124\uacc4\uc0ac \uc18c\ub4dd\uc758 \uc804\ubc18\uc801 \uc99d\uac00 \uae30\ud68c\uac00 \uc788\ub294 \uac83\uc744 \uc804\uc81c\ub85c \uc0c1\ud488\ub2f9 \uc218\uc218\ub8cc\uc758 \ub300\ud3ed \uc778\ud558\ub294 \ub9e4\uc6b0 \uc911\uc694\ud55c \uc694\uc18c\uc774\ub2e4.<\/p>\n<p>\uc6b0\ub9ac\ub294 \ud5a5\ud6c4\uc758 \uc0c1\ud488 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc804\ubc18\uc5d0 \uac78\uccd0\uc11c \uc218\uc775 \uc99d\ub300\ub97c \uc704\ud55c \uac00\uc7a5 \uc911\uc694\ud55c \ub2e8\uc77c \uc694\uc18c\uc778 \ub2e8\uc704\ub2f9 \uc218\uc218\ub8cc\uc758 20% \uac10\uc18c\ub97c \ubaa8\ub378\ub9c1\ud588\ub2e4.<\/p>\n<p>\uc6b0\ub9ac\ub294 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc77c\ubc18\uc801\uc73c\ub85c \uc218\uc218\ub8cc \uc218\uc900\uc744 \ud070 \ud3ed\uc73c\ub85c \uc870\uc815\ud558\ub294 \uac83\uc5d0 \ub300\ud574 \uac70\ubd80\uac10\uc744 \uac00\uc9c0\uace0 \uc788\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4. \uadf8\ub7ec\ub098, \uc774\uac83\uc774 \uace0\uac1d\uacfc \uc124\uacc4\uc0ac \uac00\uce58\uc81c\uc548\uc694\uc18c\uc758 \ud601\uc2e0\uc774\ub77c\ub294 \ub354 \ub113\uc740 \uc758\ubbf8\uc758 \uc870\uce58\ub85c\uc11c \uc2e4\uc2dc\ub41c\ub2e4\uba74 \uc2e4\ud604 \uac00\ub2a5\ud55c \uc77c\uc774\ub77c\uace0 \uc0dd\uac01\ud55c\ub2e4. \uc0c1\ud488\uc758 \uacbd\uc81c\ub17c\ub9ac\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc740 \ub9e4\uc6b0 \ud074 \uac83\uc774\ub2e4.<\/p>\n<p>\uc6b0\ub9ac\ub294 \uc218\uc218\ub8cc \uac10\uc18c\uc758 \ud61c\ud0dd\uc774 \uc804\uc801\uc73c\ub85c \uc8fc\uc8fc\uc5d0\uac8c \ub3cc\uc544\uac00\ub3c4\ub85d \ubaa8\ub378\ub9c1\ud588\uc73c\ub098 \ube44\uc6a9 \uc808\uac10\ubd84\uc758 \uc77c\ubd80\ub294 \ub2e4\ub978 \ube44\uc6a9\uc758 \uac10\uc18c\uc640 \uc0c1\ud488 \uacbd\uc7c1\ub825 \ud5a5\uc0c1\uc5d0 \uc7ac\ud22c\uc790\ub418\ub294 \ub300\uc548\ub3c4 \uac00\ub2a5\ud558\ub2e4.<\/p>\n<p><strong>2) \uc194\ub8e8\uc158 \ud601\uc2e0 \u2013 ~21% \uac00\uce58 \uc0c1\uc2b9<\/strong><br \/>\n\uc6b0\ub9ac\ub294 \ub3c5\uc77c \uc124\uacc4\uc0ac\ub4e4\uc774 \uc804\ud1b5\uc801\uc778 \uc0dd\ubcf4\uc0c1\ud488\uc5d0\uc11c \ubc97\uc5b4\ub098 \ub0b4\ubd80\uac1c\ubc1c \uc0c1\ud488\uc774 \uc544\ub2d0 \uc218\ub3c4 \uc788\ub294 \ub354 \ub2e8\uc21c\ud558\uace0 \ud22c\uba85\ud55c \uc0c1\ud488\uc744 \uc911\uc2ec\uc73c\ub85c \uc7ac\ud3b8\ub41c \uad11\ubc94\uc704\ud55c \uc0c1\ud488\uc744 \ud310\ub9e4\ud560 \uc911\uc694\ud55c \uae30\ud68c\uac00 \uc874\uc7ac\ud55c\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4.<\/p>\n<p>\uc124\uacc4\uc0ac\ub4e4\uc740 \uc0c1\ud488 \uc704\uc8fc\uc758 \ud310\ub9e4 \u201c\ud478\uc2dc(push)\u201d\uc5d0\uc11c \uc7a5\uae30\uc801\uc778 \uc194\ub8e8\uc158 \u201c\ud480(pull)\u201d\ub85c\uc758 \uc804\ud658\uc744 \uac00\ub2a5\ucf00 \ud558\ub294 \uc0c1\ud488 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc5d0 \uc811\uadfc\ud560 \uc218 \uc788\uc5b4\uc57c \ud55c\ub2e4.<\/p>\n<p><em><strong>2.1 \uc0c1\ud488\uc758 \uac04\uc18c\ud654<\/strong><\/em><br \/>\n\uc6b0\ub9ac\ub294 \uc0c1\ud488\uad6c\uc131\uc758 \ubcc0\ud654\ub85c \uc778\ud55c \ud22c\uc790\ud615, \ubcf4\uc7a5\uc131, P&amp;C \uc0c1\ud488\uc758 \ud310\ub9e4 \uc99d\uac00\ub97c \ubc18\uc601\ud588\ub2e4(\uc608\uc2dc\ub97c \uc704\ud574 \uc774 \uc2dc\uc810\uc5d0\uc11c \uc804\ud1b5\uc801\uc778 \uc0dd\ubcf4\uc0c1\ud488\uc758 \ud310\ub9e4\ub294 \ubcc0\ub3d9\uc774 \uc5c6\ub2e4)<\/p>\n<p><em><strong>2.2 \ub514\uc9c0\ud138 \uc77c\ub7ec\uc2a4\ud2b8\ub808\uc774\uc158<\/strong><\/em><br \/>\n\uc0c1\ud488 \uc194\ub8e8\uc158\uc5d0 \ub300\ud574 \ub354 \uc798 \uc124\uba85\ud558\ub294 \ub2a5\ub825\uc5d0 \ud2b9\uc815\ud55c \uac00\uce58\ub97c \ubd80\uc5ec\ud558\uc9c0\ub294 \uc54a\uc558\uc73c\ub098 \uc774\ub294 \uc5b4\ub5a0\ud55c \ud615\ud0dc\uc758 \ub300\ub9ac\uc810 \ud601\uc2e0\uc5d0\ub3c4 \uc911\uc694\ud55c \uc694\uc18c\ub77c\uace0 \uc0dd\uac01\ud55c\ub2e4. \uace0\uac1d\uc774 \ub2c8\uc988 \uae30\ubc18 \ubd84\uc11d\uc744 \ubc14\ud0d5\uc73c\ub85c \uc0c1\ud488\uc744 \ud30c\uc545\ud560 \uc218 \uc788\ub3c4\ub85d \ud558\ub294 \uc7ac\ubb34\uacc4\ud68d \ub3c4\uad6c\ub97c \uc81c\ub300\ub85c \uac16\ucd98 \uc124\uacc4\uc0ac\ub294 \ud6e8\uc52c \ub354 \ud6a8\uacfc\uc801\uc77c \uac00\ub2a5\uc131\uc774 \ub192\ub2e4.<\/p>\n<p><em><strong>2.3 \uc0c8\ub85c\uc6b4 \uac00\uce58\uc81c\uc548\uc694\uc18c<\/strong><\/em><br \/>\n\uc6b0\ub9ac\ub294 \ud22c\uc790\ud615, \ubcf4\uc7a5\uc131, P&amp;C \uc0c1\ud488 \ub4f1 \uae30\uc874\uc5d0 \uc81c\uacf5\ub418\ub294 \ubc94\uc704 \ub0b4\uc5d0\uc11c \ub354 \uc218\uc775\uc774 \ub9ce\uc774 \ub098\uc624\ub294 \ucd5c\uace0\uc218\uc775\ub960\uc758 \uc790\ubcf8 \uc0c1\ud488\uc744 \ud310\ub9e4\ud558\ub3c4\ub85d \uc778\uc13c\ud2f0\ube0c\ub97c \uc81c\uacf5\ud558\ub294 \uac83 \uc678\uc5d0\ub3c4, \uac00\ub2a5\ud55c \ubc94\uc704\ub97c \ud655\ub300\ud558\ub294 \uc5ed\ud560\ub3c4 \uc874\uc7ac\ud55c\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4.<\/p>\n<p>\uc774\ub7ec\ud55c \uc0c1\ud488\ub4e4\uc740 \uaf2d \uc790\uc0ac\uac1c\ubc1c \uc0c1\ud488\uc77c \ud544\uc694\uac00 \uc5c6\uc73c\uba70 \uc720\ud1b5 \ubcf4\uc218\ub97c \ubc1b\uace0 \uc81c3\uc790 \uc0c1\ud488\uac1c\ubc1c\uc0ac\ub97c \ub300\uc2e0\ud558\uc5ec \ud310\ub9e4\ub420 \uc218 \uc788\ub2e4. \uadf8 \uc608\ub85c\ub294 \uac74\uac15 \ubcf4\ud5d8(\uc6d0\uaca9\uc758\ub8cc \ud3ec\ud568), \uc5ec\ud589 \ubcf4\ud5d8, \ubc18\ub824\ub3d9\ubb3c \ubcf4\ud5d8 \ub4f1\uc774 \uc788\uc744 \uc218 \uc788\ub2e4. \uace0\uac1d\uc758 \ucda9\uc871\ub418\uc9c0 \uc54a\uc740 \ub2c8\uc988\ub97c \ub9cc\uc871\uc2dc\ud0ac \uc218 \uc788\ub294 \uc5b4\ub5a0\ud55c \uc0c1\ud488\ub3c4 \uac00\ub2a5\ud558\ub2e4.<\/p>\n<p>\uc6b0\ub9ac\ub294 \uc124\uacc4\uc0ac\uac00 \uc720\ud1b5 \ubcf4\uc218\uac00 \u20ac75\uc774\uba70 \uadf8 \uc911 50%\ub294 \ubcf4\ud5d8\uc0ac\uc5d0, 50%\ub294 \uc124\uacc4\uc0ac\uc5d0\uac8c \ub3cc\uc544\uac00\ub294 \u201c\uc0c8\ub85c\uc6b4 \uac00\uce58\uc81c\uc548\uc694\uc18c\u201d \uacc4\uc57d\uc744 (\uac74\uc218 \uae30\uc900) 20% \ub354 \ud310\ub9e4\ud560 \uc218 \uc788\ub294 \uac83\uc73c\ub85c \uac00\uc815\ud588\ub2e4. (\ud6a8\uc728\uc801\uc778 \ub514\uc9c0\ud138 \u201c\ub178\ud130\uce58(no touch)\u201d \ud589\uc815\uc5c5\ubb34\ub97c \uac00\uc815\ud558\uc5ec) \ube44\uc6a9\uc774\ub77c\uace0 \ud560 \ub9cc\ud55c \uac83\uc774 \uac70\uc758 \uc5c6\uc744 \uac00\ub2a5\uc131\uc774 \ub192\uc73c\ubbc0\ub85c \uc6b0\ub9ac\ub294 \uc774\uac83\uc774 \ubcf4\ud5d8\uc0ac\uc758 \uc138\uc804\uc218\uc775\uc73c\ub85c \uc9c1\uc811 \ud758\ub7ec\uac00\ub294 \uac83\uc73c\ub85c \ubaa8\ub378\ub9c1\ud588\ub2e4.<\/p>\n<p><strong>3) \ud6a8\uc728\uc131 \uc99d\ub300 \u2013 ~17% \uac00\uce58 \uc0c1\uc2b9<\/strong><br \/>\n\ud2b9\ud788, \ub3c5\uc77c \uac19\uc740 \uc120\uc9c4\uad6d \uc2dc\uc7a5\uc758 \ub300\ubd80\ubd84\uc758 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc774\ubbf8 \uce58\ubc00\ud558\uac8c \ube44\uc6a9\uc744 \uad00\ub9ac\ud558\uace0 \uc788\ub2e4. \uadf8\ub7ec\ub098, \uc6b0\ub9ac\ub294 \ud6a8\uc728\uc131 \uac1c\uc120\uc744 \uc704\ud574 \ucca8\ub2e8\uae30\uc220 \uc5ed\ub7c9\uc744 \uc801\uc6a9\ud55c\ub2e4\uba74 \uac00\uce58 \uc0c1\uc2b9\uc758 \uac00\ub2a5\uc131\uc774 \uc788\ub2e4\uace0 \ud310\ub2e8\ud55c\ub2e4.<\/p>\n<p><em><strong>3.1 \ub9ac\ub4dc \uc0dd\uc131<\/strong><\/em><br \/>\n\uc6b0\ub9ac\ub294 \ub9ac\ub4dc \uc0dd\uc131\uc5d0 \ub514\uc9c0\ud138 \uae30\ubc95\uc744 \ud65c\uc6a9\ud560 \uacbd\uc6b0(\uc124\uacc4\uc0ac\uc5d0\uac8c \uc628\ub77c\uc778 \uc790\ubb38\uc694\uccad \uc804\ub2ec \ubc0f \uc218\ub77d \uac74 \ubaa8\ub2c8\ud130\ub9c1 \ub4f1) \ub9ac\ub4dc \uac74\uc218\uc758 \uc0c1\ub2f9\ud55c \uc99d\uac00\ubfd0\ub9cc \uc544\ub2c8\ub77c \ube44\uc218\uc218\ub8cc \uc2e0\uacc4\uc57d\ube44 \uaddc\ubaa8\ub97c \ud06c\uac8c \uc904\uc77c \uac00\ub2a5\uc131\uc774 \uc788\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4.<\/p>\n<p>\uc5ec\uae30\uc5d0\uc11c \uc6b0\ub9ac\ub294 \ube44\uc804\ud1b5\uc801 \ube44\uc988\ub2c8\uc2a4\uc758 \ube44\uc218\uc218\ub8cc \uc2e0\uacc4\uc57d\ube44\uc218\uc900 10% \uac10\uc18c\uc640 \ubaa9\ud45c \ube44\uc6a9125%\ub85c \ubaa8\ub378\ub9c1\ud588\uc73c\uba70 \uc774\ub294 \ucd5c\ucd08 2\ub144\uac04 \uade0\ub4f1 \ubd84\ud3ec\ud558\ub294 \uac83\uc73c\ub85c \ud588\ub2e4.<\/p>\n<p><em><strong>3.2 \ubcf4\ud5d8\uc778\uc218\uc2ec\uc0ac \ub2e8\ucd95<\/strong><\/em><br \/>\n\uc6b0\ub9ac\ub294 \ub3c5\uc77c\uc758 \ubcf4\ud5d8\uc778\uc218\uc2ec\uc0ac \ud6a8\uc728\uc131\uc5d0 \ub300\ud574 \uad6c\uccb4\uc801\uc778 \uace0\ub824\ub97c \ud558\uc9c0 \uc54a\uc558\uc73c\ub098 \uc77c\ubd80 \ubcf4\ud5d8\uc0ac\ub4e4\uc758 \uacbd\uc6b0\uc5d0\ub294 \uc801\ud569\ud560 \uc218\ub3c4 \uc788\ub2e4.<\/p>\n<p><strong>3.3 STP(Straight-through processing)<\/strong><br \/>\n<em>\uc6b0\ub9ac\ub294 \ucd5c\uc2e0\uae30\ubc95\uc744 \uc801\uc6a9\ud560 \uacbd\uc6b0 \ud589\uc815\uc5c5\ubb34 \ube44\uc6a9\uc774 \uc57d 15% \uac10\uc18c\ub420 \uc218 \uc788\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4 \u2013\uad6c\uc870\uc870\uc815 \ube44\uc6a9\uc744 \uc81c\uc678\ud55c \uac00\uce58 \uc0c1\uc2b9\ubd84\uc744 \ud45c\uc2dc\ud588\ub2e4.<\/em><\/p>\n<p><strong>4) \ubcf4\uc720\uacc4\uc57d \uad00\ub9ac \u2013 25% \uac00\uce58 \uc0c1\uc2b9<\/strong><br \/>\n\ub300\ubd80\ubd84\uc758 \ub3c5\uc77c \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc218\uc775\uc131\uc774 \uc788\ub294 \ud22c\uc790\ud615, \ubcf4\uc7a5\uc131, P&amp;C \uc0c1\ud488\uc744 \ud310\ub9e4\ud558\ub294 \uc810\uc744 \uace0\ub824\ud560 \ub54c, \uc6b0\ub9ac\ub294 \uc644\uc804\ud55c \ub7f0\uc624\ud504 \uc804\ub7b5\uc774 \ud569\ub9ac\uc801\uc774\uac70\ub098 \ubc14\ub78c\uc9c1\ud558\ub2e4\uace0 \uc0dd\uac01\ud558\uc9c0 \uc54a\ub294\ub2e4. \uadf8\ub7ec\ub098, \ub9ac\uc2a4\ud06c\ub97c \uac10\uc18c\uc2dc\ud0a4\uace0 \uc790\ubcf8\uc744 \uace0\uc218\uc775 \uae30\ud68c\uc5d0 \uc7ac\ubc30\uce58\ud560 \uc218 \uc788\ub294 \uac00\ub2a5\uc131\uc774 \uc788\ub294 \uc77c\ubd80 \ubcf4\ud5d8\uc0ac\uc758 \uacbd\uc6b0\uc5d0\ub294 \uc804\ud1b5\uc801\uc774\uba70 \uc790\ubcf8\uc9d1\uc57d\uc801\uc778 \uc0dd\uba85\ubcf4\ud5d8 \ubd84\uc57c\uc5d0\uc11c \ub7f0\uc624\ud504\uac00 \uc77c\uc815\ud55c \uc5ed\ud560\uc744 \ud560 \uac83\uc774\ub2e4.<\/p>\n<p>\uac15\ub825\ud55c \ubcf4\ud5d8\uac00\uc785\uc790 \uc790\ubcf8 \uc644\ucda9\uc758 \ud61c\ud0dd\uc744 \ubcf4\ub294 \ud380\ub4dc\uc758 \uacbd\uc6b0\uc5d0\ub294(\uc54c\ub9ac\uc548\uce20 \ub808\ubca4\uc774 \uc6b4\uc601\ud558\ub294 \ud380\ub4dc \ub4f1) \uacc4\uc18d\ud574\uc11c \uc2e0\uaddc\uacc4\uc57d\uc774 \uac00\ub2a5\ud558\ub3c4\ub85d \uc720\uc9c0\ud558\ub294 \uac83\uc774 \ub354 \uc720\ub9ac\ud558\ub2e4.<\/p>\n<p><em><strong>4.1 \uc804\ub7b5\uc801 \uc120\ud0dd\uc5d0 \ub300\ud55c \ud3c9\uac00<\/strong><\/em><\/p>\n<p>\uc6b0\ub9ac\ub294 \uc804\ud1b5\uc801\uc778 \uc0dd\ubcf4 \ud310\ub9e4\ub97c \uc885\ub8cc\ud560 \uacbd\uc6b0 \ub2e4\uc74c\uacfc \uac19\uc740 \uc0c1\ub2f9\ud55c \ud61c\ud0dd\uc774 \uc788\uc744 \uac83\uc73c\ub85c \uc804\ub9dd\ud55c\ub2e4:<\/p>\n<p><strong>\u2022\u00a0<\/strong>\uc218\uc218\ub8cc \ube44\uc6a9 \uc81c\uac70 \ubc0f \uc2e0\uacc4\uc57d \uc9c0\uc6d0 \uc778\ud504\ub77c \uc81c\uac70(\uc608: \uc124\uacc4\uc0ac \uc9c0\uc6d0, \uc2e0\uaddc\uacc4\uc57d \ud504\ub85c\uc138\uc2f1, \uacc4\ub9ac \ubc0f \ud504\ub77c\uc774\uc2f1 \ub4f1 \uad00\ub828 \uc694\uc18c). \uc5b4\ub5a4 \uacbd\uc6b0\uc5d0\ub294(\uc6b0\ub9ac\uc758 \uc608\uc2dc\uc5d0\ub294 \uc5c6\uc74c) \uc190\uc2e4\uc744 \ubc1c\uc0dd\uc2dc\ud0a4\ub294 \uc2e0\uaddc\uacc4\uc57d\uc740 \uccb4\uacb0\ub418\uc9c0 \uc54a\uc744 \uac83\uc774\ub2e4.<br \/>\n<strong>\u2022 <\/strong>\ud310\ub9e4\uc885\ub8cc\ub41c \ubcf4\uc720\uacc4\uc57d \ubd80\ubd84\uc5d0\uc11c \uad00\ub9ac\ube44\uc6a9\uc744 \ubcf4\ub2e4 \uacf5\uaca9\uc801\uc73c\ub85c \uc808\uac10\ud558\ub294 \uc5ed\ub7c9<br \/>\n<strong>\u2022 <\/strong>\uc9c0\uae09\uc5ec\ub825 \uc790\ubcf8\uc758 \ubc29\ucd9c. \uc774\ub294 \ud55c\ud3b8\uc73c\ub85c\ub294 \uc790\uc0b0 \ubc30\ubd84\uc744 \ubcc0\ud654\uc2dc\ud0a4\uace0 \ub354 \uae34\ubc00\ud558\uac8c \uc790\uc0b0\uacfc \ubd80\ucc44\uc758 \ud604\uae08\ud750\ub984\uc744 \ub9e4\uce6d\ud558\ub294 \ub2a5\ub825\uc744 \ub098\ud0c0\ub0b4\ub294 \uac83\uc774\uae30\ub3c4 \ud558\uba70, \ub610 \ud55c\ud3b8\uc73c\ub85c\ub294 \uc2e0\uaddc\uacc4\uc57d \ub9c8\ucf00\ud305 \uc9c0\uc6d0 \uc6a9\ub3c4\ub85c \uc789\uc5ec \uc9c0\uae09\uc5ec\ub825 \uc218\uc900\uc744 \uc720\uc9c0\ud558\uae30 \uc704\ud574 \uc790\uae08\uc744 \ubb36\uc5b4\ub193\uc744 \ud544\uc694\uc131\uc774 \uc904\uc5b4\ub4e0 \uac83\uc744 \ubc18\uc601\ud558\ub294 \uac83\uc774\uae30\ub3c4 \ud558\ub2e4.<\/p>\n<p><strong>\ubcf4\uae30 26 (\ubcf4\uae30 24<\/strong>\uc5d0\uc11c \uc81c\uc2dc\ub41c \uc815\ubcf4\ub97c \ubc1c\ucdcc\ud55c \uac83)\uc740 \uc8fc\uc694 \uc0ac\ud56d\ub4e4\uc744 \uc694\uc57d\ud574\uc11c \ubcf4\uc5ec\uc900\ub2e4.<\/p>\n<p>\uc6b0\ub9ac\ub294 \uc804\ud1b5\uc801\uc778 \uc0dd\ubcf4 \ubd80\ubb38\uc5d0\uc11c \uc2e0\uaddc\uacc4\uc57d\uc744 \ubc30\uc81c\ud558\uc5ec \ucd5c\ucd08\ub144\ub3c4 \uc774\ud6c4\uc5d0\ub294 \uc124\uacc4\uc0ac\uc5d0\uac8c \uc218\uc218\ub8cc\uac00 \uc9c0\uae09\ub418\uc9c0 \uc54a\ub3c4\ub85d \ud588\uc73c\uba70(\uc124\uacc4\uc0ac \ubcf4\uc0c1\uc744 \uc704\ud574 \uc774 \uc0c1\ud488\uc758 \uc815\uc0c1 \uc218\uc900\uc758 \ud310\ub9e4\uac00 \uc774\ub8e8\uc5b4\uc9c0\ub294 \uac83\ucc98\ub7fc 1\ub144\uac04 \uc815\uc0c1 \uc218\uc218\ub8cc\ub97c \uac00\uc815) \uae30\ud0c0 \uc2e0\uacc4\uc57d\ube44\ub294 \ucd5c\ucd08\ub144\ub3c4\uc5d0\ub294 BAU \uc218\uc900\uc758 2\ubc30, 2\ucc28\ub144\ub3c4\uc5d0\ub294 \ubc18, 3\ucc28\ub144\ub3c4 \uc774\ud6c4\ub85c\ub294 0\uc774 \ub418\ub3c4\ub85d \uac00\uc815\ud588\ub2e4. \u201c\ubaa9\ud45c \ube44\uc6a9\u201d 125%\uc640 \uae30\ud0c0 \uc2e0\uacc4\uc57d\ube44\uc758 \uac10\uc18c\ub97c \uac00\uc815\ud558\uace0 \uc774\ub294 2\ub144\uac04 \uade0\ub4f1 \ubd84\ud3ec\ud558\ub294 \uac83\uc73c\ub85c \ud588\ub2e4.<\/p>\n<p>\uad00\ub9ac\ube44\uc6a9\uc740 \uc2e0\uaddc\uacc4\uc57d\uc774 \uac00\ub2a5\ud55c \ubd80\ubd84\uc5d0 \ube44\ud574 \uc2e0\uaddc\ud310\ub9e4\uac00 \uc885\ub8cc\ub41c \uc804\ud1b5\uc801 \uc0dd\ubcf4 \ubd80\ubd84\uc5d0\uc11c \ub354 \uacf5\uaca9\uc801\uc73c\ub85c \uc808\uac10\ub420 \uc218 \uc788\ub294 \uac83\uc73c\ub85c \uac00\uc815\ud588\ub2e4. \ud310\ub9e4\uc885\ub8cc \ubd80\ubd84\uc5d0\uc11c\ub294 25% \uc808\uac10, \uc2e0\uaddc\uacc4\uc57d \uac00\ub2a5 \ube44\uc988\ub2c8\uc2a4\uc5d0 \ub300\ud574\uc11c\ub294 15% \uc808\uac10\uc744 \uac00\uc815\ud588\ub2e4. \ubaa9\ud45c \ube44\uc6a9 125%\uc640 \uad00\ub9ac\ube44\uc6a9\uc758 \uac10\uc18c\ub97c \uac00\uc815\ud558\uace0 \uc774\ub294 2\ub144\uac04 \uade0\ub4f1 \ubd84\ud3ec\ud558\ub294 \uac83\uc73c\ub85c \ud588\ub2e4.<\/p>\n<hr \/>\n<p>\uc804\ud1b5\uc801\uc778 \uc0dd\ubcf4 \ubd80\ubb38\uc5d0 \uc2e0\uaddc\uacc4\uc57d\uc744 \ubc30\uc81c\ud568\uc73c\ub85c\uc368 \ubc1c\uc0dd\ud558\ub294 \ud6a8\uacfc(\uc774\ub294 \ubcf4\uae30 24\ub97c \uc880\ub354 \uc790\uc138\ud788 \uc0b4\ud3b4\ubcf8 \uac83\uc73c\ub85c y\ucd95 \ud655\ub300 \uc790\ub8cc\ub85c \ucc38\uc870)<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-910 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-26.png\" alt=\"\" width=\"545\" height=\"458\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-26.png 545w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-26-300x252.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-26-500x420.png 500w\" sizes=\"auto, (max-width: 545px) 100vw, 545px\" \/><\/p>\n<hr \/>\n<p>\ubaa8\ub378\uc740 \uc804\ud1b5\uc801\uc778 \ube44\uc988\ub2c8\uc2a4\ub97c \uc885\ub8cc\ud568\uc73c\ub85c\uc368 \uc790\ubcf8\uc694\uac74\uc774 \uac10\uc18c(\uc900\ube44\uae08\uc758 7%\uc5d0\uc11c 6%\ub85c)\ud55c\ub2e4\uace0 \uac00\uc815\ud558\uba70, \uc774\ub294 \ubd80\ubd84\uc801\uc73c\ub85c\ub294 ALM\uc774 \uc26c\uc6cc\uc838 \uc5b4\ub5a0\ud55c \ub4c0\ub808\uc774\uc158 \uac2d(duration gap)\uc774\ub77c \ud558\ub354\ub77c\ub3c4 \ub354 \ucd5c\uc18c\ud654\ub420 \uc218 \uc788\uae30 \ub54c\ubb38\uc774\ub2e4.<\/p>\n<p><strong>4.2 \ubcf4\uc720\uacc4\uc57d \ucd5c\uc801\ud654<\/strong><br \/>\n<strong>\ubcf4\uae30 28<\/strong>\uc5d0\uc11c \uc54c \uc218 \uc788\ub4ef\uc774 \ub2e4\uc591\ud55c \ud615\ud0dc\uc758 \ubcf4\uc720\uacc4\uc57d \ucd5c\uc801\ud654\ub85c \uc778\ud574 \uc0c1\ub2f9\ud55c \uae30\ud68c\ub4e4\uc774 \uc0dd\uae38 \uac83\uc73c\ub85c \uc804\ub9dd\ub41c\ub2e4.<\/p>\n<p>\uc6b0\ub9ac\ub294 \uc804\ud1b5\uc801\uc778 \uc0dd\ubcf4 \ube44\uc988\ub2c8\uc2a4\uc758 \uc801\uadf9\uc801\uc778 \ubcf4\uc720\uacc4\uc57d \uad00\ub9ac\ub85c \uc778\ud55c \uc5ec\ub7ec \uac00\uc9c0 \uae0d\uc815\uc801 \ud6a8\uacfc\uac00 \ube44\ud574\ub2f9\uae30\uac04 \uc900\ube44\uae08\uc758 \uc5f0\uac04 5bps\uc5d0 \uc0c1\uc751\ud558\ub294 IFRS \uc601\uc5c5\uc774\uc775\uc5d0 \uc9c0\uc18d\uc801\uc778 \ud61c\ud0dd\uc744 \uc8fc\ub294 \uac83\uc73c\ub85c \ubaa8\ub378\ub9c1\ud588\uc73c\uba70 \ub2e8\uae30\uc801\uc778 \ud6a8\uacfc\uac00 \ub354 \ud06c\uac8c \ub098\ud0c0\ub09c \uac83\uc740 \uc77c\ud68c\uc131 \uc870\uce58\ub4e4\uc744 \ubc18\uc601\ud558\ub294 \uac83\uc774\ub2e4(\ubcf4\uae30 27 \ucc38\uc870.)<br \/>\n\uc8fc\uc9c0\ud560 \uc810\uc740 \uc601\uad6d\uc758 \uc77c\ubd80 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \ub9e4\uc6b0 \uc131\uacf5\uc801\uc73c\ub85c \ubcf4\uc720\uacc4\uc57d \uad00\ub9ac\uc870\uce58\uc758 \uc218\uc900\uc744 \uc720\uc9c0\ud588\ub2e4\ub294 \uac83\uc774\ub2e4.<\/p>\n<hr \/>\n<p><strong>\ubcf4\uae30 27:<\/strong><\/p>\n<p>\ubcf4\uc720\uacc4\uc57d \ucd5c\uc801\ud654\ub85c \uc778\ud55c \ud61c\ud0dd\uc758 \ubaa8\ub378\ub9c1(\uc900\ube44\uae08\uc758 \uc5f0\uac04 bps\ub85c \ud45c\uc2dc)<\/p>\n<p><strong>\uc900\ube44\uae08 %\ub85c \ub098\ud0c0\ub0b8 \ubcf4\uc720\uacc4\uc57d \uad00\ub9ac \ud6a8\uacfc(bps)<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-911 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81027.png\" alt=\"\" width=\"550\" height=\"435\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81027.png 550w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81027-300x237.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81027-531x420.png 531w\" sizes=\"auto, (max-width: 550px) 100vw, 550px\" \/><\/p>\n<hr \/>\n<p><strong>\ubcf4\uae30 28:<\/strong><\/p>\n<p>\ubcf4\uc720\uacc4\uc57d \ucd5c\uc801\ud654 \uc694\uc18c<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-912 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-28.png\" alt=\"\" width=\"553\" height=\"500\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-28.png 553w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-28-300x271.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-28-465x420.png 465w\" sizes=\"auto, (max-width: 553px) 100vw, 553px\" \/><\/p>\n<hr \/>\n<p><strong>\ubcf4\uae30 29:<\/strong><\/p>\n<p>\uc8fc\uc8fc\ub4e4\uc740 \ub354 \ub9ce\uc740 \ud22c\uc790 \ub9ac\uc2a4\ud06c\ub97c \uac10\uc218\ud568\uc73c\ub85c\uc368 \uac04\uc811\uc801\uc778 \ud61c\ud0dd\uc744 \ubcfc \uc218 \uc788\ub2e4<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-913 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-29.png\" alt=\"\" width=\"580\" height=\"482\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-29.png 580w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-29-300x249.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-29-505x420.png 505w\" sizes=\"auto, (max-width: 580px) 100vw, 580px\" \/><\/p>\n<hr \/>\n<p>\ub610\ud55c, \uc8fc\uc8fc\ub4e4\uc740 \uc790\uc0b0\uc758 \ub9ac\uc2a4\ud06c \uc7ac\uad6c\uc131\uc744 \ud1b5\ud574 \ud61c\ud0dd\uc744 \ubcfc \uc218 \uc788\ub294 \uc5ec\uc9c0\uac00 \uc788\ub2e4.<\/p>\n<p><strong>\ubcf4\uae30 29<\/strong>\uc5d0\uc11c \uc54c \uc218 \uc788\ub4ef\uc774, \uc2e0\uc911\ud558\uac8c \ub354 \ub9ce\uc740 \ud22c\uc790 \ub9ac\uc2a4\ud06c\ub97c \uac10\uc218\ud560 \uacbd\uc6b0 \ucd94\uac00\uc801\uc778 \uc218\uc775 \ucc3d\ucd9c\uc744 \uae30\ub300\ud560 \uc218 \uc788\uace0 \ub530\ub77c\uc11c \uc789\uc5ec\uc790\uae08\uc774 \uc99d\uac00\ud55c\ub2e4. \uadf8\ub7ec\ubbc0\ub85c \ub354 \ub9ce\uc740 \ubcf4\ud5d8\uac00\uc785\uc790 \ubc30\ub2f9\uae08\uc744 \uc9c0\uae09\ud560 \uc218 \uc788\ub294 \ub3d9\uc2dc\uc5d0(\uc8fc\uc8fc\ub294 \uc774\uc775 \uacf5\uc720\ub97c \ud1b5\ud574 \ub354 \ub192\uc740 \uc218\uc775\uc5d0 \uc811\uadfc\ud560 \uc218 \uc788\uc74c) \ub354 \ub9ce\uc740 \uc789\uc5ec\uae08\uc744 \uc720\uc9c0\ud558\uc5ec \uc790\uc0b0\uc758 \ucd94\uac00\uc801\uc778 \ub9ac\uc2a4\ud06c \uc7ac\uad6c\uc131\uc774 \uac00\ub2a5\ud558\ub2e4.<\/p>\n<p>\uc6b0\ub9ac\ub294 \ub9ac\uc2a4\ud06c \uc7ac\uad6c\uc131\uc758 \uacb0\uacfc \uc8fc\uc8fc\uc5d0 \uae30\uc778\ud55c \ud22c\uc790\ub9c8\uc9c4\uc744 10bps \ub192\uac8c \uac00\uc815\ud588\ub2e4. \uc8fc\uc9c0\ud560 \uac83\uc740 \uc7a5\uae30 \uc790\uc0b0 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \ub0ae\uc740 \uc218\uc775\ub960 \uc601\ud5a5\uc73c\ub85c \ud22c\uc790 \ub9c8\uc9c4\uc740 \uc5ec\uc804\ud788 \uac10\uc18c\ud560 \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4\ub294 \uc804\ub9dd\ub41c\ub2e4\ub294 \uc810\uc774\ub2e4.<\/p>\n<p><strong>\uc124\uacc4\uc0ac \uc18c\ub4dd\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5 \u2013 \ucd1d\uc18c\ub4dd 16% \uc99d\uac00\ub97c \uc804\uc81c\ub85c \ubaa8\ub378\ub9c1<\/strong><br \/>\n<strong>\ubcf4\uae30 30<\/strong>\uc740 \ub2e4\uc591\ud55c \uc804\ub7b5\uc801 \uc870\uce58\uac00 \ud3c9\uade0\uc801\uc778 \uc124\uacc4\uc0ac\uc758 \ucd1d\uc18c\ub4dd\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc744 \ubcf4\uc5ec\uc900\ub2e4.<br \/>\n\ucd1d \uc218\uc218\ub8cc\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc774 \uc0c1\ub2f9\ud55c \uac83\uc73c\ub85c \ubcf4\uc774\uba70, \uc804\ud1b5\uc801\uc778 \uc0dd\uba85 \ubcf4\ud5d8\uc758 \uc218\uc218\ub8cc \uc81c\uac70\ubd84\uc740 \ub2e4\ub978 \uc0c1\ud488 \ubd84\uc57c\uc758 \uc131\uc7a5\uc73c\ub85c \uc778\ud574 \uadf8 \uc774\uc0c1\uc73c\ub85c \ubcf4\uc0c1\ub41c\ub2e4.<\/p>\n<p>\ub610\ud55c, \ubcf4\ud5d8\uc0ac \ucc28\uc6d0\uc5d0\uc11c \uc774\ub7ec\ud55c \ud504\ub85c\uc138\uc2a4\uc758 \uc77c\ubd80\ub97c \uc911\uc559\uc9d1\uc911\ud654\ud558\uace0 \uc790\ub3d9\ud654\ud558\ub294 \ub2e4\uc591\ud55c \uc774\ub2c8\uc154\ud2f0\ube0c\ub4e4\uc744 \uace0\ub824\ud558\uba74, \uc124\uacc4\uc0ac\uc758 \uc21c\uc18c\ub4dd\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5(\uc989, \ubd80\ub300\ube44\uc6a9 \ud761\uc218 \ud6c4)\uc740 \ud6e8\uc52c \ub354 \ud074 \uc218\ub3c4 \uc788\ub2e4.<\/p>\n<p><strong>\ubcf4\uae30 30:<\/strong><\/p>\n<p>\uae30\ubcf8 \ucf00\uc774\uc2a4\uc758 \uacbd\uc6b0 \ud3c9\uade0\uc801\uc778 \uc124\uacc4\uc0ac\ub294 \ucd1d\uc18c\ub4dd\uc774 16% \uc99d\uac00\ud560 \uac00\ub2a5\uc131\uc774 \uc788\ub2e4.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-914 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81030.png\" alt=\"\" width=\"578\" height=\"419\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81030.png 578w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81030-300x217.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81030-324x235.png 324w\" sizes=\"auto, (max-width: 578px) 100vw, 578px\" \/><\/p>\n<hr \/>\n<p><strong>\uc8fc\uc694 \uc2dc\uc0ac\uc810<\/strong><br \/>\n\uc0c1\ub2f9 \uc218\uc900\uc758 \uc7a5\ubd80\uac00\uc561\uc744 \uace0\ub824\ud558\uba74 \ub3c5\uc77c\uc758 \uacbd\uc6b0\uc5d0\ub294 \uc2e0\uaddc\uacc4\uc57d\ubfd0\ub9cc \uc544\ub2c8\ub77c \ubcf4\uc720\uacc4\uc57d\uc744 \uc804\ub7b5\uc801\uc778 \uc870\uce58\uc5d0 \ud3ec\ud568\uc2dc\ud0ac \ud544\uc694\uac00 \uc788\ub294 \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4. \ud310\ub9e4 \uc0dd\uc0b0\uc131\uc5d0 \ub300\ud55c \uc870\uce58\ub294 \ub9e4\uc6b0 \uc911\uc694\ud558\uba70 \ub300\ub9ac\uc810\ub4e4\uc774 \uc774\ubbf8 \uad11\ubc94\uc704\ud55c \uc0dd\ubcf4 \ubc0f P&amp;C \uc0c1\ud488\uc744 \ud310\ub9e4\ud558\ub294 \ub370 \uc775\uc219\ud558\ub2e4\ub294 \uc810\uc774 \ub3c4\uc6c0\uc774 \ub420 \uac83\uc774\ub2e4.<\/p>\n<hr \/>\n<p><strong>\uc608\uc2dc: \uc81c\ub124\ub784\ub9ac(Generali) \u2013 \uc804\ud1b5\uc801\uc778 \ub3c5\uc77c \uc0dd\uba85\ubcf4\ud5d8\uc5c5\uc744 \uad6c\uc870\uc870\uc815\ud558\ub2e4<\/strong><\/p>\n<h3><span style=\"font-size: 18pt;\"><strong>\uc5b4\ub5bb\uac8c \uc9c4\ud589\ub418\uc5c8\ub294\uac00?<\/strong><\/span><\/h3>\n<p>\ub3c5\uc77c\uc758 \uc81c\ub124\ub784\ub9ac\ub294 \ubcf4\ud5d8\uc6b4\uc601 \ubd80\ubb38\uc5d0 \uae09\uc9c4\uc801\uc778 \uad6c\uc870\uc870\uc815\uc744 \ub2e8\ud589\ud588\ub2e4. \uc81c\ub124\ub784\ub9ac\uc758 \uc804\ud1b5\uc801\uc778 \uc0dd\ubcf4 \ube44\uc988\ub2c8\uc2a4\uc778 \uc81c\ub124\ub784\ub9ac \ub808\ubca4\uc740 \ub7f0\uc624\ud504\ub85c \uc804\ud658\ub418\uc5c8\uace0 \uadf8\ub8f9\uc740 \uc81c\ub124\ub784\ub9ac \ub808\ubca4\uc758 ~90% \ub9e4\uac01\uc744 \ubc1c\ud45c\ud588\ub2e4. \ud3c9\uade0\ubcf4\uc99d\uc218\uc900\uc740 \uc0c1\ub300\uc801\uc73c\ub85c \ub192\uace0 \uc9c0\uae09\uc5ec\ub825 \ud3ec\uc9c0\uc158\uc740 \ucde8\uc57d\ud560 \ubfd0 \uc544\ub2c8\ub77c \ubd88\uc548\uc815\ud588\uc73c\uba70 \uc774\ub294 \ucd08\uc800\uae08\ub9ac \ud658\uacbd(\u201cZZR\u201d)\uc5d0 \ub300\ube44\ud558\uae30 \uc704\ud574 \ud604\uc9c0 \ubc95\uc815\uae30\uc900\uc73c\ub85c \ucd94\uac00 \uc900\ube44\uae08\uc744 \uad6c\ucd95\ud560 \ud544\uc694\uc131\uc73c\ub85c \uc778\ud574 \ub354 \uc545\ud654\ub41c \uc0c1\ud669\uc774\uc5c8\ub2e4.<\/p>\n<p>EVG \uc804\uc18d \ub300\ub9ac\uc810 \uc778\ub825\uc740 \ud574\uc0b0\ub418\uc5c8\uc73c\uba70, \uac1c\ubcc4 \uc124\uacc4\uc0ac\ub4e4\uc5d0\uac8c\ub294 \uc81c\ub124\ub784\ub9ac\uac00 \uc0c1\ub2f9\ud55c \uc9c0\ubd84\uc744\ubcf4\uc720\ud55c \ubcc4\uac1c\uc758 \uba40\ud2f0 \ub808\ubca8 \uc720\ud1b5 \ube0c\ub85c\ucee4\uc778 DVAG\uc5d0 \ud569\ub958\ud560 \uae30\ud68c\uac00 \uc8fc\uc5b4\uc84c\ub2e4.<\/p>\n<p>\uc81c\ub124\ub784\ub9ac\ub294 \ub3c5\uc77c\uc5d0\uc11c \ub2e4\uc591\ud55c \ubc95\uc778\uccb4\ub97c \ud1b5\ud574(\ubb8c\ud5e4\ub108(Munchener), \ucf54\uc2a4\ubaa8\uc2a4 \ub808\ubca4(Cosmos Leben) \ub4f1) \ud22c\uc790\ud615, \ubcf4\uc7a5\uc131, \ub9ac\uc2a4\ud06c \ubc0f \ube44\uc0dd\ubcf4 \uc0c1\ud488\uc744 \uac1c\ubc1c\ud558\ub294 \uc5ed\ub7c9\uc744 \uc720\uc9c0\ud558\uace0 \uc788\ub2e4. \ub610\ud55c, DVAG\ub97c \ud1b5\ud574\uc11c\ub294 \uace0\uc720\uc758 \ub300\uba74\uc720\ud1b5 \uac00\uce58\ub97c, \ucf54\uc2a4\ubaa8\uc2a4\ub97c \ud1b5\ud574\uc11c\ub294 \uc9c1\uc811\ud310\ub9e4\uc758 \uac00\uce58\ub97c \uc720\uc9c0\ud558\uace0 \uc788\ub2e4. \uc544\ub798\uc758 \ubcf4\uae30\ub294 \uc774\ub7ec\ud55c \uad6c\uc870\uc870\uc815 \uacfc\uc815\uc744 \uc694\uc57d\ud55c \uac83\uc774\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-size: 18pt;\"><strong>\uc5b4\ub5a4 \uc810\uc774 \uc0c8\ub85c\uc6b4\uac00?<\/strong><\/span><\/h3>\n<p>\uc81c\ub124\ub784\ub9ac\ub294 \ud601\uc2e0\uc801\uc778 \ubcc0\ud654\ub97c \ud1b5\ud574 \ube44\uc6a9\uc744 \uc808\uac10\ud558\uace0 \uc81c\ub124\ub784\ub9ac \ub808\ubca4 \uc790\uae08\uc758 \uc790\ubcf8 \ud3ec\uc9c0\uc158\uc744\uac1c\uc120\ud588\ub2e4(\uc8fc\uc8fc\uc758 \ub9ac\uc2a4\ud06c \uac10\uc18c). \ub610\ud55c, \ub3c5\uc77c\uc5d0 \uc788\ub294 \uc81c\ub124\ub784\ub9ac\uac00 \uc804\ud1b5\uc801\uc778 \ube44\uc988\ub2c8\uc2a4\uc5d0\uc11c \ubc97\uc5b4\ub098\ub294 \uacfc\uc815\uc744 \uac00\uc18d\ud654\uc2dc\ucf1c \ud604\uc7ac \uc81c\ub124\ub784\ub9ac\uc758 APE \uc911 \uc57d 70%\ub294 \ud22c\uc790\ud615 \ubc0f \ubcf4\uc7a5\uc131 \uc0c1\ud488\uc5d0\uc11c \ucc3d\ucd9c\ub41c\ub2e4.<\/p>\n<p>\uace7 \uc9c4\ud589\ub420 \uc81c\ub124\ub784\ub9ac \ub808\ubca4\uc758 \ub9e4\uac01\uc73c\ub85c \uc778\ud574 \uadf8\ub8f9\uc740 \ub354 \uace0\uc218\uc775\uc758 \ud65c\ub3d9\uc5d0 \uc790\ubcf8\uc744 \uc7ac\ubc30\uce58\ud558\uac70\ub098 \uc790\ubcf8\uc744 \uc8fc\uc8fc\uc5d0\uac8c \ub3cc\ub824\uc904 \uc218\ub3c4 \uc788\uac8c \ub418\uc5b4 \uc218\uc775\uc99d\ub300 \uc5ed\ub7c9\uc744 \ud655\ubcf4\ud558\uac8c \ub418\uc5c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-size: 18pt;\"><strong>\ubcf4\ud5d8\ub300\ub9ac\uc810\uc758 \ubbf8\ub798\uc640\uc758 \uad00\ub828\uc131\uc740?<\/strong><\/span><\/h3>\n<p>\uc774\ub7ec\ud55c \uad6c\uc870\uc870\uc815\uc740 \uc804\ud1b5\uc801\uc778 \uc790\ubcf8\uc9d1\uc57d\uc801 \ube44\uc988\ub2c8\uc2a4\uc5d0\uc11c \ubc97\uc5b4\ub098 \uc0dd\uc0b0\uc801 \uc720\ud1b5 \ubc0f \ub35c \uc790\ubcf8\uc9d1\uc57d\uc801\uc778 \ud310\ub9e4\uc5d0 \uae30\ubc18\ud55c \ubcf4\ub2e4 \ud604\ub300\uc801\uc778 \ube44\uc988\ub2c8\uc2a4 \uc704\uc8fc\ub85c \uc804\ud658\ud558\ub294 \uac83\uc774 \ud2b9\uc815\ud55c \ud658\uacbd\uc5d0\uc11c \uc5b4\ub5bb\uac8c \uac00\ub2a5\ud55c\uc9c0\ub97c \ubcf4\uc5ec\uc900\ub2e4.<br \/>\n\ub610\ud55c, \uae30\uc5c5\uc774 \uc804\uc801\uc73c\ub85c \uc2e0\uaddc\uacc4\uc57d \uc601\uc5c5\uc744 \ud558\uace0\uc790 \ud558\ub294 \uc2dc\uc7a5\uc5d0\uc11c\ub3c4 \ub7f0\uc624\ud504\uac00 \uc5b4\ub5a4 \uc5ed\ud560\uc744 \ud558\ub294\uc9c0 \ubcf4\uc5ec\uc900\ub2e4.<\/p>\n<p>\uadf8\ub7ec\ub098, \ubd84\uba85\ud55c \uac83\uc740 \uc81c\ub124\ub784\ub9ac\uac00 \ub3c5\uc77c\uc5d0\uc11c \uc5ec\ub7ec \uc885\ub958\uc758 \uc720\ud1b5 \ucc44\ub110, \ub2e4\uc218\uc758 \ubc95\uc778\uccb4, \uc0dd\ubcf4\uc0ac\ub97c \uac00\uc9c0\uace0 \uc788\uace0 \uc804\uc18d \uc124\uacc4\uc0ac\ub4e4\uc5d0\uac8c \ub300\uc548\uc758 \uc9c1\uc7a5\uc744 \uc81c\uacf5\ud560 \uc218 \uc788\uc5c8\ub358 \uac83\uc774 \uc720\ub9ac\ud55c \uc704\uce58\uc600\ub2e4\ub294 \uc0ac\uc2e4\uc774\ub2e4.<\/p>\n<p><strong>\ubcf4\uae30 31:<\/strong><\/p>\n<p>2015\ub144\ubd80\ud130 2018\ub144\uae4c\uc9c0 \ub3c5\uc77c \uc81c\ub124\ub784\ub9ac \uc0dd\uba85\ubcf4\ud5d8 \ube44\uc988\ub2c8\uc2a4\uc758 \ud601\uc2e0\uc801 \ubcc0\ud654<\/p>\n<p><strong><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-915 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-31.png\" alt=\"\" width=\"923\" height=\"585\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-31.png 923w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-31-300x190.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-31-768x487.png 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-31-696x441.png 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-31-663x420.png 663w\" sizes=\"auto, (max-width: 923px) 100vw, 923px\" \/><\/strong><\/p>\n<h3><\/h3>\n<p><span style=\"font-size: 18pt;\"><strong>\ubbf8\uad6d \u2013 \uc124\uacc4\uc0ac \ucc44\ub110\uc744 \ub118\uc5b4\uc11c \uc720\ud1b5\uc744 \ud601\uc2e0\ud560 \uae30\ud68c<\/strong><\/span><\/p>\n<p><strong>\uac1c\uc694<\/strong><br \/>\n\uac70\uc758 \ud55c \uc138\uae30 \ub3d9\uc548 \uac00\uce58\uc0ac\uc2ac\uc5d0\uc11c \uc720\ud1b5\uc790\uc758 \uc5ed\ud560\uc774 \uc81c\ub300\ub85c \ud601\uc2e0\ub418\uc9c0 \ubabb\ud588\ub358, \ubbf8\uad6d \uc0dd\uba85 \ubcf4\ud5d8 \ubc0f \uc5f0\uae08 \uc0c1\ud488\uc758 \uc18c\ub9e4 \uc720\ud1b5\uc740 \ud604\uc7ac \uc911\ub300\ud55c \ubcc0\ud654\uc758 \uae30\ub85c\uc5d0 \ub193\uc5ec \uc788\ub2e4. \ub9ce\uc740 \uae30\uc5c5\ub4e4\uc774 \ud22c\uc790\ub97c \uc99d\ub300\ud558\uae30 \uc2dc\uc791\ud558\uace0 \uc788\ub294 \uc640\uc911\uc5d0, \ud2c8\uc0c8\ub97c \ub178\ub9b0 \ud601\uc2e0\uac00\ub4e4(\ubc18\uc751\uc774 \ub354 \ubbfc\ucca9\ud55c)\uc774\ub098 \uaddc\ubaa8\uac00 \ud070 \ubcf4\ud5d8\uc0ac\ub4e4(\uc7ac\ub7c9 \ud22c\uc790\uc608\uc0b0\uc774 \ub354 \ud070)\uc774 \uae09\ubcc0\ud558\ub294 \uc2dc\uc7a5\uc5d0\uc11c \uc2b9\uc790\uac00 \ub420 \uac83\uc73c\ub85c \uc608\uc0c1\ub41c\ub2e4.<\/p>\n<p>\uc804\uc138\uacc4 \ub2e4\ub978 \uc9c0\uc5ed\ub4e4\uacfc\ub294 \ub2ec\ub9ac, \ubbf8\uad6d\uc758 \uc0c1\uc7a5 \uc0dd\ubcf4\uc0ac\ub4e4\uc740 \uc804\uc18d \uc124\uacc4\uc0ac\uc5d0 \ub300\ud55c \uc758\uc874\ub3c4\uac00 \uc0c1\ub300\uc801\uc73c\ub85c \ub0ae\ub2e4. \ub3c5\ub9bd \uc124\uacc4\uc0ac\uc640 \ube0c\ub85c\ucee4, IMOs(Independent Marketing Organizations)\uc640\uc774\uc5b4\ud558\uc6b0\uc2a4, \uc740\ud589 \ubc0f \ube0c\ub85c\ucee4-\ub51c\ub7ec \ub4f1 \uc81c 3\uc790\ucc44\ub110\uc774 \uc2dc\uc7a5 \ub9e4\ucd9c\uc758 \ub300\ubd80\ubd84\uc744 \ucc28\uc9c0\ud558\uace0 \uc788\ub2e4. \ubfd0\ub9cc \uc544\ub2c8\ub77c, \ub9ce\uc740 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \ubbf8\uad6d\uc774 \uc120\uc9c4\ud654\ub41c \ub2e8\uccb4 \uc0dd\uba85\ubcf4\ud5d8 \uc2dc\uc7a5\uc774\ub77c\ub294 \uc810\uc744 \ud65c\uc6a9\ud574, \uc9c1\uc7a5\ucc44\ub110\uc744 \ud1b5\ud574 \uc9c1\uc6d0\ub4e4\uc5d0\uac8c \ub2e8\uacc4\ubcc4 \ubcf4\uc7a5 \uc0c1\ud488\uc744 \ud310\ub9e4\ud558\uace0 \uc788\ub2e4.<\/p>\n<p>\uacb0\uacfc\uc801\uc73c\ub85c, \uc6b0\ub9ac\ub294 \ubbf8\uad6d\uc5d0\uc11c \uc0dd\uba85\ubcf4\ud5d8 \ubc0f \uc5f0\uae08 \uc0c1\ud488\uc758 \uc720\ud1b5\uc744 \ud601\uc2e0\ud558\uae30 \uc704\ud574\uc11c\ub294 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc804\uc18d \uc124\uacc4\uc0ac \uc2dc\uc2a4\ud15c\uc758 \ud601\uc2e0 \uc774\uc0c1\uc744 \uc2e4\ucc9c\ud574\uc57c \ud55c\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4. \uc6b0\ub9ac\ub294 \ubbf8\uad6d\uc5d0\uc11c \uc0dd\uba85\ubcf4\ud5d8 \ubc0f \uc5f0\uae08\ubcf4\ud5d8\uc0c1\ud488\uc758 \uc720\ud1b5 \ud601\uc2e0\uc5d0 \uae30\ucd08\uac00 \ub418\ub294 4 \uac00\uc9c0 \uae30\ubcf8 \uc694\uc18c\ub97c \ucc3e\uc544\ub0c8\ub2e4.<\/p>\n<p>1. \ub300\ub9ac\uc810 \ud65c\uc131\ud654. \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc804\ubc18\uc801\uc73c\ub85c \ub0ae\uace0, \uaca9\ucc28\uac00 \ud070 \uc124\uacc4\uc0ac \uc0dd\uc0b0\uc131 \ubb38\uc81c\ub97c \ud574\uacb0\ud560 \uc218 \uc788\ub2e4. \uc124\uacc4\uc0ac \uc0dd\uc560\uc8fc\uae30\uad00\ub9ac, \uc601\uc5c5\uc778\ub825\uc758 \ud6a8\uacfc\uc131 \ud5a5\uc0c1 \ub178\ub825(\uc2e4\uc801 \ucd94\uc801, \ubca0\uc2a4\ud2b8 \ud504\ub799\ud2f0\uc2a4 \uacf5\uc720, \uc801\uadf9\uc801\uc778 \uc124\uacc4\uc0ac \uac10\uc18c\uc728 \ubaa8\ub2c8\ud130\ub9c1 \ub4f1), \uc778\uc13c\ud2f0\ube0c \uc2dc\uc2a4\ud15c \uc7ac\uac80\ud1a0 \ub4f1\uc744 \ud1b5\ud574 \uac00\ub2a5\ud560 \uac83\uc774\ub2e4.<\/p>\n<p>2. \uc194\ub8e8\uc158 \ud601\uc2e0. \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc0c1\ud488 \ubc0f \uc194\ub8e8\uc158\uc744 \ub300\ub300\uc801\uc73c\ub85c \uac04\uc18c\ud654\ud558\uace0(\ud574\ub2f9 \uc18c\ube44\uc790\ub4e4\uacfc\uc758 \ucee4\ubba4\ub2c8\ucf00\uc774\uc158\uc744 \ud1b5\ud574); \ud22c\uc790\ub97c \ud1b5\ud574 \ub2e4\ub978 \uc0c1\ud488\ub4e4\uc5d0 \ube44\ud574 \uac00\uce58\uc81c\uc548\uc744 \ub354\uc6b1 \ud6a8\uacfc\uc801\uc73c\ub85c \uc804\ub2ec\ud558\uace0(\uc18c\ube44\uc790\ub4e4\uc5d0\uac8c \uc9c1\uc811\uc801\uc73c\ub85c\ub4e0, \uc124\uacc4\uc0ac\ub97c \uc9c0\uc6d0\ud558\ub294 \ubc29\uc2dd\uc73c\ub85c\ub4e0); \uc0c8\ub86d\uac8c \ub5a0\uc624\ub974\ub294 \uc18c\ube44\uc790 \ub2c8\uc988\ub97c \ud574\uacb0\ud558\ub294 \uc0c8\ub85c\uc6b4 \uac00\uce58\uc81c\uc548\uc744 \uac1c\ubc1c\ud560 \uc218 \uc788\ub2e4.<\/p>\n<p>3. \ud6a8\uc728\uc131 \uc99d\ub300. \uc0c1\ud488\uac1c\ubc1c\uacfc \uc720\ud1b5\uc744 \ub354 \uc798 \ud1b5\ud569\ud560 \uc218 \uc788\ub2e4. \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc720\ud1b5 \ud30c\ud2b8\ub108\ub4e4(\uc804\uc18d\uc774\uac74 \ub3c5\ub9bd\uc774\uac74 \uac04\uc5d0)\uacfc \ub354\uc6b1 \uae34\ubc00\ud55c \ud611\ub825\uc744 \ud1b5\ud574, \ub370\uc774\ud130\ub97c \uae30\ubc18\uc73c\ub85c \ud55c \ub9ac\ub4dc\uc0dd\uc131\/\ud310\ub2e8 \ub4f1 \ubd80\uac00\uac00\uce58 \uc11c\ube44\uc2a4\uc640 \uc601\uc5c5 \ud504\ub85c\uc138\uc2a4(\uc628\ub77c\uc778 \uc2e0\uccad, STP \ub4f1)\uc758 \ud6a8\uc728\uc131 \ubc0f \ud6a8\uacfc\ub97c \uac1c\uc120\ud560 \uc218 \uc788\ub294 \ub3c4\uad6c\ub97c \uc9c0\uc6d0\ud558\uace0, \uc790\ub3d9\ud654\ub418\uace0 \ub2e8\ucd95\ub41c \ubcf4\ud5d8 \uc778\uc218\uc2ec\uc0ac \ud50c\ub7ab\ud3fc\uc744 \ub354\uc6b1 \ube60\ub974\uac8c \uc774\uc6a9\ud560 \uc218 \uc788\ub2e4.<\/p>\n<p>4. \ubcf4\uc720\uacc4\uc57d \uad00\ub9ac. \uc5b4\ub5a4 \uacbd\uc6b0\uc5d0\ub294, \uc804\uccb4 \ud639\uc740 \ubd80\ubd84\uc801 \ub7f0\uc624\ud504(runoff)\uac00 \ubcf4\ud5d8\uc0ac\ub4e4\uc5d0\uac8c \ud6a8\uacfc\uc801\uc778 \ud574\uacb0\ucc45\uc77c \uc218 \uc788\ub2e4. \ub610 \ub2e4\ub978 \uacbd\uc6b0\uc5d0\ub294, \ube44\uc6a9\uad00\ub9ac(\ud504\ub85c\uc138\uc2a4, IT \ud658\uacbd, \uc870\uc9c1 \uad6c\uc870 \ucd5c\uc801\ud654), \uace0\uac1d\uad00\ub9ac(\uacc4\uc57d\uc2e4\ud6a8, \uc5c5\uc140\ub9c1 \ubc0f \ud06c\ub85c\uc2a4 \uc140\ub9c1 \ub4f1), \ud6a8\uacfc\uc801\uc778 \uc7ac\ubb34(\uc7ac\ubcf4\ud5d8 \ub4f1), \uc790\uc0b0\uad00\ub9ac(ALM, \ud22c\uc790 \ub4f1) \ub4f1\uc758 \ubc29\ubc95\uc744 \ud1b5\ud574 \ubcf4\uc720 \uacc4\uc57d\uc5d0 \ub300\ud574 \uc218\uc775\uc744 \uac1c\uc120\ud560 \uc218 \uc788\ub294 \ubc29\ubc95\uc744 \ubaa8\uc0c9\ud560 \uc218\ub3c4 \uc788\ub2e4.<\/p>\n<p>\uc6b0\ub9ac\uc758 \ubaa8\ub378\ub9c1\uc5d0 \ub530\ub974\uba74,<span style=\"text-decoration: underline;\"> \ubcf4\uae30 32<\/span>\ub97c \ubcf4\uba74 \uc54c \uc218 \uc788\ub4ef\uc774, \uccab \uc138 \uac00\uc9c0 \uc694\uc18c\ub9cc\uc73c\ub85c\ub3c4 \uc0dd\uba85\ubcf4\ud5d8\uc0ac\uc758 \uc601\uc5c5\uc774\uc775\ub960\uc744 75%+ \uc0c1\uc2b9\uc2dc\ud0ac \uc218 \uc788\ub294 \uc7a0\uc7ac\ub825\uc774 \uc788\ub2e4. \uc5ec\uae30\uc5d0\uc11c \ub354 \ub098\uc544\uac00, \ubcf4\uc720\uacc4\uc57d \uad00\ub828 \ud65c\ub3d9\uc744 \uac15\ud654\ud558\ub294 \uac83\uc774 \ucd94\uac00 \uc808\uac10, \uc131\uc7a5 \ubc0f \uc790\ubcf8\ud6a8\uc728\uc131 \uac1c\uc120\uc758 \uae30\ud68c\ub85c \uc774\uc5b4\uc9c8 \uac00\ub2a5\uc131\uc774 \uc788\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4.<\/p>\n<p>\uc6b0\ub9ac\uc758 \ubaa8\ub378\ub9c1\uc740 \uac1c\uc778 \ubc0f \ub2e8\uccb4\ubcf4\ud5d8(\uc815\uae30\ubcf4\ud5d8, \uc720\ub2c8\ubc84\uc124 \ubc0f \uc885\uc2e0\ubcf4\ud5d8), \uc815\uae30\uc5f0\uae08, \ud655\uc815\uc5f0\uae08, \ubcc0\uc561\uc5f0\uae08 \ubc0f \uc9c0\uc218\ud615 \uc5f0\uae08 \ub4f1 \ud3ed\ub113\uc740 \uc0dd\uba85\ubcf4\ud5d8 \uc0c1\ud488 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uac16\ucd98 \uac00\uc0c1\uc758 \ubbf8\uad6d \ubcf4\ud5d8\uc0ac\ub97c \uae30\ubc18\uc73c\ub85c \ud558\uba70, \ud2b9\uc815 \uae30\uc5c5\uc744 \ub300\ud45c\ud560 \uc758\ub3c4 \uc5c6\uc774, \uc804\ud615\uc801\uc778 \ubcf4\ud5d8\uc0ac \ud601\uc2e0\uacc4\ud68d\uc758 \uc5ec\ub7ec \uac00\uc9c0 \uc694\uc18c\ub4e4\uc5d0 \ub300\ud55c \uc7a0\uc7ac\uc801\uc778 \uc601\ud5a5\uc744 \ubcf4\uc5ec\uc900\ub2e4. \uc6b0\ub9ac\ub294 \uac1c\ubcc4 \uc694\uc18c\ub97c \ub3c5\ub9bd\uc801\uc73c\ub85c \ubaa8\ub378\ub9c1\ud574 \uae30\ubcf8 \uc190\uc775\uacc4\uc0b0\uc11c\uc640 \ube44\uad50\ud55c \uac01\uac01\uc758 \uc601\ud5a5\uc744 \ubd84\uc11d\ud588\ub2e4. \ub2e4\uc74c\uc740 \uac01 \uc218\ub2e8\uacfc \uad00\ub828\ub41c \ub2e4\uc591\ud55c \uc601\ud5a5\uc5d0 \ub300\ud55c \uac04\ub7b5\ud55c \uc694\uc57d\uc774\ub2e4.<\/p>\n<p>\u2022 \ub300\ub9ac\uc810 \uc0dd\uc560\uc8fc\uae30 \uad00\ub9ac: \ucc44\uc6a9, \uc628\ubcf4\ub529 \ubc0f \uad50\uc721\uc758 \ud6a8\uc728\uc131\uacfc \uc124\uacc4\uc0ac \ucc38\uc5ec\ub3c4\uc758 \ud5a5\uc0c1\uc740 \uacb0\uad6d \ub192\uc740 \ucc38\uc5ec\ub3c4 \ud5a5\uc0c1\uc73c\ub85c \uc778\ud55c \uc124\uacc4\uc0ac \uc774\ud0c8\ub960 \uac10\uc18c\ub85c \uc774\uc5b4\uc9c4\ub2e4.<br \/>\n\u2022 \ud6a8\uacfc\uc801\uc778 \uc601\uc5c5\uc778\ub825: \uc804\ubc18\uc801\uc778 \uc124\uacc4\uc0ac \uc0dd\uc0b0\uc131 \uac1c\uc120(\ud310\ub9e4 \uacc4\uc57d \ub2f9 \ud68c\uc758 \uc218 \uac10\uc18c, \uc804\ud658\ub960 \uc0c1\uc2b9 \ub4f1) \ubc0f \uc2e4\uc801 \ubd80\uc9c4 \uc124\uacc4\uc0ac \uad00\ub9ac\ub97c \uc704\ud55c \uac1c\uc120\ub300\ucc45\uc744 \ud1b5\ud574 \uc720\ud1b5\ub2e8\uac00 \uac10\uc18c\ub85c \uc774\uc5b4\uc9c4\ub2e4.<br \/>\n\u2022 \uc778\uc13c\ud2f0\ube0c \uc7ac\uc124\uc815: \ub2e8\uc704\ub2f9 \uc218\uc218\ub8cc \ube44\uc6a9 \uac10\uc18c<br \/>\n\u2022 \uc0c1\ud488 \uac04\uc18c\ud654: \uc0c1\ud488\uc744 \ub354 \ub2e4\uc591\ud55c \uace0\uac1d\ub4e4\uc5d0\uac8c \ub9e4\ub825\uc801\uc774\uac8c \ub9cc\ub4e4\uace0 \ud310\ub9e4\/\uad6c\uc785\uc744 \uc27d\uac8c \ud574 \ub9e4\ucd9c \uc0c1\uc2b9<br \/>\n\u2022 \ub514\uc9c0\ud138 \uc77c\ub7ec\uc2a4\ud2b8\ub808\uc774\uc158: \uc870\uc815\uac00\ub2a5\ud55c \ub9c8\ucf00\ud305 \ubc0f \uc720\ud1b5 \ube44\uc6a9 \uac10\uc18c<br \/>\n\u2022 \uc0c8\ub85c\uc6b4 \uac00\uce58\uc81c\uc548: \uc0c1\ud488\uc744 \ub354 \ub2e4\uc591\ud55c \uace0\uac1d\ub4e4\uc5d0\uac8c \ub9e4\ub825\uc801\uc774\uac8c \ub9cc\ub4e4\uace0 \uc218\uc218\ub8cc \uae30\ubc18 \uc218\uc785 \uc99d\uac00\ub85c \ub9e4\ucd9c \uc0c1\uc2b9<br \/>\n\u2022 \ub9ac\ub4dc \uc0dd\uc131: \ub370\uc774\ud130 \ubc0f \ubd84\uc11d\uae30\uc220\ub85c \uc778\ud574 \uc0dd\uc0b0\uc131 \ud5a5\uc0c1(\uc124\uacc4\uc0ac \ub2f9 \uc2e0\uaddc\ub9e4\ucd9c \ubc0f \ud06c\ub85c\uc2a4\uc140\ub9c1)<br \/>\n\u2022 \ubcf4\ud5d8\uc778\uc218\uc2ec\uc0ac \ub2e8\ucd95: \ubcf4\ud5d8\uc2ec\uc0ac \ube44\uc6a9\uc808\uac10(\uc0ac\uc774\ud074 \ud0c0\uc784 \ub2e8\ucd95, \ud608\uc561\uac80\uc0ac \uc0dd\ub7b5, \ub4f1) \ubc0f \uc804\ud658\ub960 \uc0c1\uc2b9\ud6a8\uacfc\uac00 \uc788\uc9c0\ub9cc, \uc0ac\ub9dd\ub960 \uc0c1\uc2b9\uac00\ub2a5\uc131\uc73c\ub85c \uc778\ud574 \ubd80\ubd84\uc801\uc73c\ub85c \uc0c1\uc1c4\ub428<br \/>\n\u2022 STP \ubc0f \uc5ec\uc815 \uc7ac\uc124\uacc4: \ud504\ub85c\uc138\uc2a4 \uc790\ub3d9\ud654 \ubc0f \ub514\uc9c0\ud138\ud654\ub97c \ud1b5\ud574 \uc870\uc815\uac00\ub2a5 \ube44\uc6a9 \uac10\uc18c<\/p>\n<p>\uc720\ud1b5 \uc0dd\uc0b0\uc131 \ud5a5\uc0c1, \ub2e8\uc704 \uc218\uc218\ub8cc \ud558\ub77d \ubc0f \ud6a8\uc728\uc131 \uc99d\ub300\ub294 \ubaa8\ub4e0 \uc774\ud574\ub2f9\uc0ac\uc790\ub4e4\uc774 \uac00\uce58\ub97c \ucc3d\ucd9c\ud558\uae30 \uc704\ud574 \ubc18\ub4dc\uc2dc \ud544\uc694\ud558\ub2e4. \uace0\uac1d\ub4e4\uc740 \ub354\uc6b1 \ub9de\ucda4\ud654\ub418\uace0 \ub2e8\uc21c\ud55c \uc194\ub8e8\uc158\uc744 \ud1b5\ud574 \ub354 \ub098\uc740 \uacb0\uacfc\ub97c \uc5bb\uc744 \uc218 \uc788\uace0, \uc720\ud1b5\uc790\ub4e4\uc740 \uc0dd\uc0b0\uc131\uac1c\uc120\uc744 \ud1b5\ud574 \ud6e8\uc52c \ub354 \ub192\uc740 \ubcf4\uc218\ub97c \ubc1b\uc744 \uc218 \uc788\uc73c\uba70, \ubcf4\ud5d8\uc0ac \uc785\uc7a5\uc5d0\uc11c\ub294 \ub2e8\uac00\uac00 \uac1c\uc120\ub420 \uc218 \uc788\ub2e4. \uc774 \uac19\uc740 \uac1c\uc120\uc740 \uace0\uac1d\ub4e4, \uc8fc\uc8fc\ub4e4\uc5d0\uac8c\ub85c \uc774\uc5b4\uc9c0\uac70\ub098 \uc0ac\uc5c5\ud22c\uc790 \ucd94\uac00\ub85c \uc774\uc5b4\uc9c8 \uc218 \uc788\ub2e4.<\/p>\n<p>\uc6b0\ub9ac\ub294 \ubcc0\ud654\ub294 \ub354\uc6b1 \uae09\uc18d\ud558\uac8c \uc9c4\ud589\ub420 \uac83\uc774\ub77c\uace0 \uc0dd\uac01\ud55c\ub2e4. \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc774\ubbf8 \uc0dd\uba85\ubcf4\ud5d8\uacfc \uc5f0\uae08 \uc601\uc5c5\uc5d0 \ub300\ud574 \uacfc\uac10\ud55c \ub300\ucc45\uc744 \ucd94\uc9c4\ud558\uace0 \uc788\ub2e4. \uba54\ud2b8\ub77c\uc774\ud504(MetLife)\ub294 \uc18c\ub9e4 \uc0dd\uba85\ubcf4\ud5d8\uacfc \uc5f0\uae08\ubcf4\ud5d8\uc5d0\uc11c \ubaa8\ub450 \uc190\uc744 \ub5d0\uace0, \ub124\uc774\uc158\uc640\uc774\ub4dc(Nationwide)\ub294 2020\ub144\uae4c\uc9c0 \ub3c5\ub9bd \ub300\ub9ac\uc810 \ubaa8\ub378\ub85c\uc758 \uc804\ud658\uc744 \ubc1c\ud45c\ud588\ub2e4. \ub9e4\uc2a4\ubba4\ucd94\uc5bc(MassMutual)\uc740 \uc804\ud1b5\uc801\uc778 \uc804\uc18d \ub300\ub9ac\uc810\uc5d0 \ub300\ud55c \ud22c\uc790\ub97c \uc9c0\uc18d\ud558\uba74\uc11c \ud5e4\uc774\ube10\ub77c\uc774\ud504(Haven life)\ub97c \ud1b5\ud574 \uc9c1\uc811\ud310\ub9e4\uc5d0 \ud22c\uc790\ud588\ub2e4. \ud478\ub974\ub374\uc15c \ud30c\uc774\ub0b8\uc15c(Prudential Financial)\uc740 \uacc4\uc18d\ud574\uc11c \uc7ac\ubb34\uac74\uc804\uc131 \uc774\ub77c\ub294 \uac1c\ub150\uc73c\ub85c \ub2e4\uc591\ud55c \uc885\ub958\uc758 \ucc44\ub110\uc5d0 \ud22c\uc790\ud558\uace0 \uc788\ub2e4.<\/p>\n<p>\ud655\uc2e4\ud558\uc9c0 \uc54a\uc740 \uac83\uc740 \uc911\uc694\ud55c \ud30c\uad34\uc801 \ud601\uc2e0\uc694\uc18c\uac00 \uc0b0\uc5c5 \uc678\ubd80\uc5d0\uc11c \ubc1c\uc0dd\ud560 \uac83\uc778\uac00 \uc774\ub2e4 \uaddc\uc81c\uac00 \uc2ec\ud55c \ubcf4\ud5d8\uc758 \uc18d\uc131\uacfc \uc790\ubcf8\uae08 \uc694\uac74\uc758 \uae4c\ub2e4\ub85c\uc6c0(\uc9c4\uc785\uc7a5\ubcbd\uc774 \ub192\uc74c)\uc744 \uc0dd\uac01\ud560 \ub54c, \uc6b0\ub9ac\ub294 \ubcf4\ud5d8\uc0b0\uc5c5\uc774 \uc0c1\ud488\uac1c\ubc1c \uce21\uba74\uc5d0\uc11c \ud0c0\uc5c5\uc885\uc758 \uc2ec\uac01\ud55c \ud30c\uad34\uc801 \ud601\uc2e0\uc73c\ub85c \uc778\ud574 \ud0c0\uaca9\uc744 \ubc1b\uc744 \uac00\ub2a5\uc131\uc740 \uc81c\ud55c\uc801\uc774\ub77c\uace0 \ubcf8\ub2e4. \uadf8\ub807\ub2e4\uace0\ub294 \ud574\ub3c4, \ub2e4\uc591\ud55c \uc7ac\ubb34\uacc4\ud68d\uc744 \uc81c\uacf5\ud558\ub294 \ucc28\uc6d0\uc73c\ub85c, \uace0\uac1d\ub4e4\uc5d0\uac8c \ub514\uc9c0\ud138 \uc9c1\uc811\ud310\ub9e4 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5 \ub4f1\uc774 \uc7a5\uae30\uc801\uc73c\ub85c \uc131\uc7a5\ud560 \uc7a0\uc7ac\ub825\uc774 \uc788\ub2e4. \ud558\uc9c0\ub9cc \ub2e8\uae30\uc801\uc73c\ub85c\ub294 \uc2dc\uc7a5\uc5d0\uc11c \ucc28\uc9c0\ud558\ub294 \ube44\uc911\uc774 \ubbf8\ubbf8\ud560 \uac83\uc774\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>\ubcf4\uae30 32.<\/strong>\u00a0 \uc0dd\uba85\ubcf4\ud5d8 \ub300\ub9ac\uc810 \uc720\ud1b5 \ud601\uc2e0\uc758 \uac00\uce58- \uc77c\ubc18\uc801\uc778 \ub2e4\uac01\ud654\ub41c \ubbf8\uad6d \uc0dd\ubcf4\uc0ac\uc758 \uacbd\uc6b0 \uc601\uc5c5\uc774\uc775\ub960\uc774 75% + \uac1c\uc120\ub420 \uac00\ub2a5\uc131\uc774 \uc788\ub2e4\uace0 \ubcf8\ub2e4.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-916 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-32.png\" alt=\"\" width=\"1109\" height=\"623\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-32.png 1109w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-32-300x169.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-32-1024x575.png 1024w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-32-768x431.png 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-32-696x391.png 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-32-1068x600.png 1068w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-32-748x420.png 748w\" sizes=\"auto, (max-width: 1109px) 100vw, 1109px\" \/><\/p>\n<h3><span style=\"font-size: 18pt;\"><strong>\ubc30\uacbd<\/strong><\/span><\/h3>\n<p>\ubbf8\uad6d\uc758 \uc720\ud1b5 \ud658\uacbd\uc740 \ub3c5\ud2b9\ud558\ub2e4. \ucc44\ub110\uc774 \ub354\uc6b1 \ub2e4\uc591\ud558\uace0, \ub3c5\ub9bd \uc124\uacc4\uc0ac\uc640 \ube0c\ub85c\ucee4\uc758 \uc874\uc7ac\uac10\uc774 \ub354 \ud655\uc2e4\ud558\uace0, \ub2e4\ub978 \ubcf4\ud5d8\uc2dc\uc7a5\uc5d0 \ube44\ud574 \ubc29\uce74\uc288\ub791\uc2a4\uc5d0 \ub300\ud55c \uc758\uc874\ub3c4\uac00 \ub9e4\uc6b0 \ub0ae\ub2e4. \uc774 \uac19\uc740 \uc0c1\ud669\uc740 \uc804\uc18d\ucc44\ub110\uacfc \ube44\uc804\uc18d\ucc44\ub110\uc758 \uc870\ud569\uc5d0 \uc758\ud574 \ud615\uc131\ub41c \uac83\uc774\ub2e4.<\/p>\n<p>\u2022 \uc804\uc18d\ucc44\ub110: \ub300\ubd80\ubd84 \uc804\uc18d \uc124\uacc4\uc0ac, \uc9c1\uc811 \uc751\ub300 \ubc0f \uc9c1\uc7a5\ud310\ub9e4\ub85c \uc774\ub8e8\uc5b4\uc838 \uc788\ub2e4. \uc774 \ucc44\ub110\ub4e4\uc740 \uc8fc\ub85c \uc804\ud1b5\uc801\uc778 \uac1c\uc778\uc0dd\uba85\ubcf4\ud5d8(\ubcf4\uc7a5 \ubc0f \uc800\ucd95\uc0c1\ud488)\uacfc \ub2e8\uccb4 \uc0dd\uba85\ubcf4\ud5d8 \uc0c1\ud488\uc758 \uc720\ud1b5\uc5d0 \uc774\uc6a9\ub41c\ub2e4. \ubbf8\uad6d\uc5d0\uc11c, \uc804\uc18d \uc124\uacc4\uc0ac\ub4e4\uc740 \ubcf4\ud1b5 \uc0c1\ud638\ubcf4\ud5d8\uc0ac\ub4e4\uacfc \uc5f0\uacc4\ub418\uc5b4 \uc788\uace0, \uc774 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc77c\ubc18\uc801\uc73c\ub85c \uc804\ud1b5\uc801\uc778 \uc0dd\uba85\ubcf4\ud5d8\uc0c1\ud488(\uc885\uc2e0\ubcf4\ud5d8 \ub4f1)\uc5d0 \uc8fc\ub825\ud55c\ub2e4.<br \/>\n\u2022 \ube44\uc804\uc18d\ucc44\ub110: \ub300\ubd80\ubd84 \ub3c5\ub9bd \uc124\uacc4\uc0ac, \ube0c\ub85c\ucee4-\ub51c\ub7ec, \uc7ac\ubb34\uc0c1\ub2f4\uc0ac, \uc740\ud589\/\uc800\ucd95\uae30\uad00 \ub4f1\uc774\ub2e4. \ubbf8\uad6d\uc5d0\uc11c \ub3c5\ub9bd \ucc44\ub110\uc740 \ubcf4\ud1b5 \uc0c1\uc7a5\uae30\uc5c5\ub4e4\uacfc \uc5f0\uacc4\ub418\uc5b4 \uc788\uace0, \uc774 \uae30\uc5c5\ub4e4\uc740 \uc77c\ubc18\uc801\uc73c\ub85c \ubcf4\ub2e4 \ub2e4\uc591\ud55c \uc0c1\ud488\uc744 \ucde8\uae09\ud55c\ub2e4.<\/p>\n<p>\uc720\ud1b5 \uc804\ub7b5\uc740 \ubbf8\uad6d \uc0c1\uc7a5 \ubcf4\ud5d8\uc0ac\ub4e4\ub9c8\ub2e4 \ub9e4\uc6b0 \ub2e4\uc591\ud558\uac8c \ub098\ud0c0\ub09c\ub2e4. \uc5b4\ub5a4 \uae30\uc5c5\ub4e4\uc740 \ub2e4\uc591\ud55c \uc885\ub958\uc758 \uc804\uc18d \ubc0f \ub3c5\ub9bd \ucc44\ub110\uc744 \ud65c\uc6a9\ud558\uace0(\ud478\ub974\ub374\uc15c \ud30c\uc774\ub0b8\uc15c \ub4f1), \ub610 \uc5b4\ub5a4 \uae30\uc5c5\ub4e4\uc740 \uc804\uc18d\ucc44\ub110\uc5d0 \uc758\uc874\ud558\ub294 \ube44\uc911\uc774 \ub354 \ub192\ub2e4. (\uc804\uc18d \ub300\ub9ac\uc810\uc774 \uc788\ub294 \ub178\uc2a4\uc6e8\uc2a4\ud134 \ubba4\ucd94\uc5bc(Northwestern Mutual)\uacfc \ub274\uc695\ub77c\uc774\ud504(New York Life) \ub4f1.)<\/p>\n<p>&nbsp;<\/p>\n<p><strong>\ubcf4\uae30 33.<\/strong> \ubbf8\uad6d\uc758 \uc0dd\uba85\ubcf4\ud5d8 \uc720\ud1b5 \ucc44\ub110<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-917 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-33.png\" alt=\"\" width=\"543\" height=\"552\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-33.png 543w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-33-295x300.png 295w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-33-413x420.png 413w\" sizes=\"auto, (max-width: 543px) 100vw, 543px\" \/><\/p>\n<p>\uac1c\uc778\ubcf4\ud5d8\uc5d0\uc11c, \uc804\uc18d \uc124\uacc4\uc0ac\ub4e4\uc740 \uc0b0\uc5c5 \ucd1d\ud310\ub9e4\ubcf4\ud5d8\ub8cc \uae30\uc900\uc73c\ub85c \uc810\uc720\uc728\uc774 2000\ub144 ~50%\uc5d0\uc11c 2008\ub144 ~35% \ub85c \uc9c0\uc18d\uc801\uc73c\ub85c \ud558\ub77d\ucd94\uc138\uc774\ub2e4. \ucd5c\uadfc\uc5d0\ub294, \uae08\uc735\uc704\uae30 \uc774\ud6c4 \ub192\uac8c \ud3c9\uac00 \ubc1b\uace0 \uc788\ub294 \uc0c1\ud638 \ubcf4\ud5d8\uc0ac\ub4e4\uc758 \uc131\uc7a5\uc774 \uc774 \ucc44\ub110\uc758 \uc904\uc5b4\ub4e0 \uc810\uc720\uc728\uc744 \ud68c\ubcf5\ud558\ub294\ub370 \ub3c4\uc6c0\uc774 \ub410\ub2e4. \uc804\uc18d \uc124\uacc4\uc0ac\ub4e4\uc740 \ud604\uc7ac \uc2dc\uc7a5\uc758 ~40%\ub97c \ucc28\uc9c0\ud558\uace0 \uc788\uc73c\uba70 \ube44\uc804\uc18d\ucc44\ub110(\ub3c5\ub9bd \uc124\uacc4\uc0ac, \ube0c\ub85c\ucee4, \uc640\uc774\uc5b4\ud558\uc6b0\uc2a4\/\ube0c\ub85c\ucee4\ub51c\ub7ec \ubc0f \uc740\ud589)\uc740 ~55%\ub97c \ucc28\uc9c0\ud55c\ub2e4.<\/p>\n<p>\uc5f0\uae08\uc0c1\ud488\uc5d0\uc11c\ub294, \uc804\uc18d \uc124\uacc4\uc0ac\uac00 \uc5c5\uacc4 \ub9e4\ucd9c\uc5d0\uc11c \ud6e8\uc52c \uc801\uc740 \ube44\uc911(~20%)\uc744 \ucc28\uc9c0\ud558\uace0 \uc788\uc73c\uba70, \ube0c\ub85c\ucee4 \ub51c\ub7ec, \ub3c5\ub9bd \uc124\uacc4\uc0ac, \uc740\ud589\uc774 \ub192\uc740 \uc2dc\uc7a5\uc810\uc720\uc728\uc744 \ubcf4\uc778\ub2e4. \uc740\ud589\uc740 \uae08\uc735\uc704\uae30 \uc774\ud6c4 \ud575\uc2ec \uc740\ud589 \uc6b4\uc601\uc5d0 \uc9d1\uc911\ud558\uba74\uc11c \uadf8 \uc810\uc720\uc728\uc774 \ud558\ub77d\ud55c \ubc18\uba74, \ub3c5\ub9bd \uc124\uacc4\uc0ac\ub4e4\uc740 \uc9c0\uc218\ud615 \uc5f0\uae08\uc0c1\ud488\uc5d0 \ub300\ud55c \uac15\ub825\ud55c \uc218\uc694\ub85c \uc778\ud574, \uc810\uc720\uc728\uc774 \uc0c1\uc2b9\ud588\ub2e4.<\/p>\n<p>\ub2e4\uc74c\uc5d0\uc11c\ub294 \ubbf8\uad6d\uc5d0\uc11c \uac00\uc7a5 \uc911\uc694\ud55c \uc0dd\uba85\ubcf4\ud5d8 \ucc44\ub110\uc5d0 \ub300\ud574 \ucd94\uac00\uc801\uc778 \uc138\ubd80\uc124\uba85\uacfc \ucd5c\uadfc \ucd94\uc9c4\uc911\uc778 \uc774\ub2c8\uc154\ud2f0\ube0c\ub4e4\uc758 \uc0ac\ub840\ub97c \uba87 \uac00\uc9c0 \uc0b4\ud3b4\ubcf8\ub2e4.<\/p>\n<h3><span style=\"font-size: 18pt;\"><strong>\uc804\uc18d \uc124\uacc4\uc0ac<\/strong><\/span><\/h3>\n<p>\uc774 \ucc44\ub110\uc740 \ud604\uc7ac \uac00\uc7a5 \ud070 \ubb38\uc81c\uc5d0 \uc9c1\uba74\ud55c \ucc44\ub110\ub85c \ud310\ub2e8\ub41c\ub2e4. \uc218\uc218\ub8cc\ub294 \uc804\uc18d \uc124\uacc4\uc0ac \ubcf4\uc218\uc758 \ub300\ubd80\ubd84\uc744 \ucc28\uc9c0\ud558\uba70, \ubcf4\ud5d8\uc0ac\uc5d0\uc11c \ubc1b\ub294 \uc81c\ud55c\ub41c \uc9c0\uc6d0\uc73c\ub85c \uc0c8\ub85c\uc6b4 \uace0\uac1d\uc744 \uc720\uce58\ud558\uae30 \uc704\ud574 \ud544\uc694\ud55c \ube44\uc6a9, \uc2dc\uac04, \ub178\ub825\uc744 \uc0dd\uac01\ud560 \ub54c \ubcf4\ud5d8\ub8cc\uc728\uc740 \uc0c1\ub300\uc801\uc73c\ub85c \ub192\uac8c \ub41c\ub2e4.<\/p>\n<p>LIMRA \uc5d0 \ub530\ub974\uba74 \ud604\uc7ac \uc124\uacc4\uc0ac\uc758 \ud3c9\uade0\uc5f0\ub839\uc740(\uc804\uc18d\uacfc \ube44\uc804\uc18d \ubaa8\ub450) ~56 \uc138\uc774\uace0 \uc124\uacc4\uc0ac \ucc44\uc6a9\uc740 \uac08\uc218\ub85d \uc5b4\ub824\uc6cc\uc9c0\uace0 \uc788\uc73c\uba70, \ud2b9\ud788 \ubc00\ub808\ub2c8\uc5c4 \uc138\ub300\ub4e4\uc758 \uacbd\uc6b0\uc5d0(\uc774 \uc138\ub300\uc758 \uaca8\uc6b0 4%\ub9cc\uc774 \ubcf4\ud5d8\uc774\ub77c\ub294 \uc9c1\uc5c5\uc5d0 \uad00\uc2ec\uc774 \uc788\ub2e4.) \ub354\uc6b1 \uadf8\ub807\ub2e4. \ubcf4\ud5d8\uc0b0\uc5c5\uc740 \ucc44\uc6a9\ubfd0\ub9cc \uc544\ub2c8\ub77c, \uc124\uacc4\uc0ac \uad50\uc721 \ubc0f \uc720\uc9c0\uc5d0\ub3c4 \uc5b4\ub824\uc6c0\uc744 \uacaa\uace0 \uc788\ub2e4. \uc81c\ud55c\ub41c \uc885\ub958\uc758 \uc0c1\ud488\uc5d0\ub9cc \uc9d1\uc911\ud558\ub294 \uac83(\ubd80\ubd84\uc801\uc73c\ub85c\ub294 \ud5c8\uac00\uc694\uac74 \ub54c\ubb38\uc5d0) \uc5ed\uc2dc \ub2f9\uba74\ud55c \uc5b4\ub824\uc6c0\uc744 \uac00\uc911\uc2dc\ud0a4\uace0 \uc788\ub2e4.<\/p>\n<h3><strong>\ub3c5\ub9bd \uc124\uacc4\uc0ac<\/strong><\/h3>\n<p>\ub3c5\ub9bd \uc124\uacc4\uc0ac\ub4e4\uc740 \ub2e4\uc591\ud55c \ubcf4\ud5d8 \uc0c1\ud488 \uc911\uc5d0\uc11c \uc120\ud0dd\uc774 \uac00\ub2a5\ud558\uae30 \ub54c\ubb38\uc5d0 \ubcf4\ud5d8\uc0c1\ud488\ub4e4 \uac04\uc758 \uacbd\uc7c1\uc774 \uc0dd\uaca8\ub09c\ub2e4. \uac00\uaca9 \uacbd\uc7c1\ub825, \uc0c1\ud488\ubc94\uc704\/\uc77c\uad00\uc131 \ubc0f \uc124\uacc4\uc0ac \ubcf4\uc218\ub294 \ub3c5\ub9bd \uc124\uacc4\uc0ac\ub4e4\uc774 \uc0c1\ud488 \uc120\ud0dd\uacb0\uc815\uc744 \ud558\ub294 \uac00\uc7a5 \uc911\uc694\ud55c 3\ub300\uc694\uc18c\uc77c \uac83\uc774\ub2e4. \uc0c1\ud488\uac1c\ubc1c \ubc0f \uc720\ud1b5 \uc0ac\uc774\uc758 \uad00\uacc4\uac00 \ubcf8\uc9c8\uc801\uc73c\ub85c \uac70\ub798\uc5d0 \uae30\ubc18\ud574 \uc774\ub8e8\uc5b4\uc9c0\uace0, \uc11c\ub85c \ubd84\ub9ac\ub418\uc5b4 \uc788\uae30 \ub54c\ubb38\uc5d0 \ud604\uc7ac \uc601\uc5c5 \ud504\ub85c\uc138\uc2a4\uc5d0 \ub9c8\ucc30\uc774 \uc2ec\uac01\ud558\uace0 \ube44\uc6a9\uc774 \ucee4\uc9c0\uace0 \uc788\uc73c\uba70 \uace0\uac1d\ubfd0 \uc544\ub2c8\ub77c \uc124\uacc4\uc0ac\ub4e4\ub3c4 \uacbd\ud5d8\uc758 \uc9c8\uc774 \ub5a8\uc5b4\uc9c0\uac8c \ub41c\ub2e4.<\/p>\n<h3><strong>\uc640\uc774\uc5b4\ud558\uc6b0\uc2a4, \ube0c\ub85c\ucee4 \ub51c\ub7ec, \uc740\ud589<\/strong><\/h3>\n<p>\ub3c5\ub9bd\uc124\uacc4\uc0ac \ucc44\ub110\uacfc \uc720\uc0ac\ud558\uac8c, \uc640\uc774\uc5b4\ud558\uc6b0\uc2a4, \ube0c\ub85c\ucee4\ub51c\ub7ec, \uc740\ud589\ub4e4\uc5d0\uac8c \uc120\ud0dd \ubc1b\uae30 \uc704\ud55c \uacbd\uc7c1\uc774 \ub9e4\uc6b0 \uce58\uc5f4\ud558\ub2e4. \ud558\uc9c0\ub9cc, \uc0c1\ud488\ud68c\uc804\ub960\uc740 \uc774 \ucc44\ub110\uc5d0\uc11c \uc77c\ubc18\uc801\uc73c\ub85c \uc880 \ub354 \ub0ae\ub2e4. \uc774 \ucc44\ub110\uc5d0\uc11c \uac00\uc7a5 \ud070 \ubb38\uc81c\ub294 \ube44 \ubcf4\ud5d8 \uc0c1\ud488\uacfc\uc758 \uacbd\uc7c1\uc774\ub2e4. \uc989, \uc7ac\ubb34\uc124\uacc4\uc0ac\ub4e4\uc740 \uc0dd\uba85\ubcf4\ud5d8\uc0c1\ud488\uc774 \ub2e4\ub978 \uc800\ucd95, \ud22c\uc790 \uc0c1\ud488\uc5d0 \ube44\ud574 \ubcf5\uc7a1\ud558\uace0, \uc601\uc5c5\ud504\ub85c\uc138\uc2a4\uac00 \uae38\uace0, \uc131\uac00\uc2e0 \uace0\uac1d\uacbd\ud5d8\uc774 \uc218\ubc18\ub41c\ub2e4\ub294 \uc810\uc5d0\uc11c \uc0dd\uba85\ubcf4\ud5d8\uc5d0 \uc8fc\ub825\ud558\ub294 \uac83\uc744 \ub0b4\ucf1c \ud558\uc9c0 \uc54a\ub294 \uacbd\ud5a5\uc774 \uc788\ub2e4.<\/p>\n<h3><strong>\uc9c1\uc7a5\ud310\ub9e4<\/strong><\/h3>\n<p>\uc9c1\uc7a5\ud310\ub9e4 \ucc44\ub110\uc740 \ub2e8\uccb4\uc0dd\uba85\ubcf4\ud5d8\uc758 \uc785\uc9c0\uac00 \uac15\ub825\ud574 \uc9d0\uc5d0 \ub530\ub77c \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc810\uc810 \ub354 \ub9ce\uc740 \uad00\uc2ec\uc744 \uac16\uace0 \uc788\ub294 \ucc44\ub110\uc774\ub2e4. \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \ube44\uc6a9\uc808\uac10\ubc29\uc548\uc744 \ucc3e\uace0 \uc788\ub294 \uae30\uc5c5\ub4e4\uacfc \uc7ac\ubb34\uc801 \uc548\uc815\uc5d0 \ub300\ud574 \uc6b0\ub824\ud558\ub294 \uc9c1\uc6d0\ub4e4\uc5d0\uac8c \uc9c1\uc811\uc801\uc778 \uc811\uadfc\uc774 \uac00\ub2a5\ud558\ub2e4\ub294 \uc810\uc5d0 \ucc29\uc548\ud574, \uadf8\ub4e4\uc758 \uc9c0\uac11\uc810\uc720\uc728\uc744 \ud655\ub300\ud558\uace0 \uc788\ub2e4.(\uc8fc\ub85c \uc2dc\ub825, \uce58\uc544, \uc7a5\ub2e8\uae30 \uc7a5\uc560 \ub4f1 \uc784\uc758\ubcf4\ud5d8\uc0c1\ud488\uc744 \uc81c\uacf5). \uc774 \uc0c1\ud488\ub4e4\uc758 \ub300\ubd80\ubd84\uc740 \ubcf4\ud5d8\uc778\uc218\uc2ec\uc0ac \uc694\uac74\uc774 \uc81c\ud55c\uc801\uc774\uba70(\uc608\ub97c \ub4e4\uc5b4, \ub9e4\ub2ec X \ub2ec\ub7ec\uc758 \uae09\ubd80\ub97c \uc6d0\ud558\ub294 \uacbd\uc6b0 \ud574\ub2f9 \ub780\uc5d0 \ud45c\uc2dc\ud558\ub294 \uc635\uc158 \ub4f1), \uc77c\uc815 \uae30\uc900 \uc774\uc0c1\uc758 \ubcf4\uc7a5\uc744 \uc6d0\ud560 \uacbd\uc6b0 \uc815\uc2dd \uc778\uc218\uc2ec\uc0ac(\ud608\uc561\uac80\uc0ac, \uc758\ub8cc\uac80\uc0ac \ub4f1)\ub97c \uac70\uccd0\uc57c \ud55c\ub2e4.<\/p>\n<p>\uac74\uac15 \ubc0f \uc7ac\ubb34 \uad00\ub828 \uc18c\ube44\uc790\ub4e4\uc758 \ub2c8\uc988\uc5d0 \ub300\ud574 \ubcf4\ub2e4 \uc804\uccb4\uc801\uc778 \ubd84\uc11d\uc744 \ud558\uae30 \uc704\ud55c \ub178\ub825\uc740 \uc544\uc9c1 \uac78\uc74c\ub9c8 \ub2e8\uacc4\uc5d0 \ubd88\uacfc\ud558\uc9c0\ub9cc, \uc0c1\ub2f9\ud55c \uc7a0\uc7ac\ub825\uc774 \uc788\ub2e4. \ud558\uc9c0\ub9cc, \uc774\ub7f0 \ub178\ub825\uc744 \uc704\ud574\uc11c\ub294 \ud328\ub7ec\ub2e4\uc784\uc758 \uc804\ud658\uc774 \ud544\uc218\uc801\uc774\ub2e4. \ub370\uc774\ud130\uc640 \ubd84\uc11d\uae30\uc220\uc744 \uae30\ubc18\uc73c\ub85c \ucca8\ub2e8\uae30\uc220\uacfc \uc560\uc790\uc77c\ud55c \uc5c5\ubb34\ubc29\uc2dd\uc744 \ud1b5\ud574 \uac00\ub2a5\ud55c, \ubcf4\ub2e4 \ud1b5\ud569\ub41c \uc811\uadfc\uc774 \ud544\uc694\ud558\ub2e4<\/p>\n<h3><span style=\"font-size: 18pt;\"><strong>\uc0ac<\/strong><strong>\ub840: \ud478\ub974\ub374\uc15c-\uc804\uc18d\ucc44\ub110\uc744 \ud65c\uc131\ud654\uc2dc\ud0a4\uae30 \uc704\ud574 \uc7ac\ubb34\ubcf5\uc9c0(Financial Wellness)\ud50c\ub7ab\ud3fc \ud65c\uc6a9<\/strong><\/span><\/h3>\n<p>\ud478\ub974\ub374\uc15c\uc740 \uc804\uc18d\uc0c1\ub2f4\ucc44\ub110 \ud65c\uc131\ud654 \ub178\ub825\uc758 \uc77c\ud658\uc73c\ub85c \ud478\ub974\ub374\uc15c \ud328\uc4f0\uc6e8\uc774(Prudential Pathways) \ud504\ub85c\uadf8\ub7a8\uc744 \uc2e4\uc2dc\ud558\uace0 \uc788\ub2e4. \uc774\ub294 \uc7ac\ubb34\ubcf5\uc9c0(Financial Wellness) \ud50c\ub7ab\ud3fc\uc744 \ub354\uc6b1 \uc801\uadf9 \ud64d\ubcf4\ud558\uae30 \uc704\ud55c \uc774\ub2c8\uc154\ud2f0\ube0c\ub85c, \ub2e4\uc74c \uc0ac\ud56d\ub4e4\uc774 \ud3ec\ud568\ub41c\ub2e4.<\/p>\n<p>\u2022 \uac1c\uc778 \ud3c9\uac00 \ub3c4\uad6c: \uc0ac\uc6a9\uc774 \uac04\ud3b8\ud55c \ub3c4\uad6c\ub85c \uc9c1\uc6d0\ub4e4\uc774 \uc2e0\uc18d\ud558\uac8c \uc7ac\ubb34\uac74\uc815\uc131\uc744 \ud3c9\uac00\ud558\uace0 \uc7ac\ubb34\uc0c1\ud0dc \uac1c\uc120\uc744 \uc704\ud574 \ucde8\ud560 \uc218 \uc788\ub294 \ub300\ucc45\uc744 \uac80\ud1a0\ud560 \uc218 \uc788\ub2e4.<br \/>\n\u2022 \ud478\ub974\ub374\uc15c \ud328\uc4f0\uc6e8\uc774 \ud504\ub85c\uadf8\ub7a8: \uacf5\uc778\ub41c \uc7ac\ubb34 \uc804\ubb38\uac00\uac00 \uc81c\uacf5\ud558\ub294 \uc9d1\uc911 \uc7ac\ubb34\ubcf5\uc9c0 \uad50\uc721 \uc628\uc0ac\uc774\ud2b8 \uc138\ubbf8\ub098 \uc2dc\ub9ac\uc988<br \/>\n\u2022 \uc628\ub77c\uc778 \uc7ac\ubb34\ubcf5\uc9c0 \ud3ec\ud138: \uc0dd\uc560 \uc774\ubca4\ud2b8\uc640 \ubaa9\ud45c\uc5d0 \uae30\ubc18\ud55c \ub514\uc9c0\ud138 \uc0ac\uc774\ud2b8\ub85c \uc7ac\ubb34 \ubcf5\uc9c0\uad00\ub828 \ub0b4\uc6a9, \ub3c4\uad6c, \uc778\ud3ec\uadf8\ub798\ud53d\uc2a4(infographics) \ubc0f \uc601\uc0c1\ub4e4\uc744 \uac1c\uc778\ub9de\ucda4\ud654\ud574 \uc81c\uacf5\ud55c\ub2e4.<br \/>\n\u2022 \uc9c1\uc6d0\ub4e4\uc740 \uc774 \uc774\ub2c8\uc154\ud2f0\ube0c\uc5d0 \ub530\ub77c, \uc790\uccb4\ud3c9\uac00\ub97c \uc2e4\uc2dc\ud558\uace0 \uc138\ubbf8\ub098\uc5d0 \ucc38\uac00\ud55c \ud6c4, \uc9c1\uc6d0\ub4e4\uc740 \ud478\ub974\ub374\uc15c\uc758 \uc5b4\ub4dc\ubc14\uc774\uc800\ub4e4\uacfc \ud6c4\uc18d\uc870\uce58\ub97c \uc9c4\ud589\ud574 \ub2e4\uc591\ud55c \uc218\uc785, \ud22c\uc790, \ubcf4\uc7a5\uc5d0 \ub300\ud55c \uc790\uc2e0\ub4e4\uc758 \ub2c8\uc988\ub97c \ud574\uacb0\ud560 \uc218 \uc788\ub2e4.<\/p>\n<p>\uc774 \ud68c\uc0ac\ub294 \uae30\uc5c5 \ubc0f \uc9c1\uc6d0\ub4e4\uc758 \ucc38\uc5ec\ub3c4 \uac1c\uc120\uc744 \uacbd\ud5d8\ud558\uace0 \uc788\uc73c\uba70, \uc774\uac83\uc774 \ub9e4\ucd9c\uc5d0 \uc720\uc758\ubbf8\ud55c \uc601\ud5a5\uc744 \uc788\uc744 \uac83\uc73c\ub85c \uae30\ub300\ud558\uace0 \uc788\ub2e4.<\/p>\n<h3><strong>\uc9c1\uc811 \uc751\ub300<\/strong><\/h3>\n<p>\uc9c1\uc811 \ud310\ub9e4\ub294 \ud604\uc7ac \ub9e4\ucd9c\uc5d0\uc11c \ucc28\uc9c0\ud558\ub294 \ube44\uc911\uc774 \uc791\ub2e4. \ub514\uc9c0\ud138 \uc9c1\uc811\ud310\ub9e4\ub294 \uc9c0\ub09c \uba87 \ub144\uac04 \ub450 \uc790\ub9ac \uc218 \uc131\uc7a5\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc5ec\uc804\ud788 \uc758\ubbf8\uc788\ub294 \uc2dc\uc7a0\uc810\uc720\uc728\uc744 \ub2ec\uc131\ud558\uc9c0\ub294 \ubabb\ud558\uace0 \uc788\ub2e4. \uc774\ucc98\ub7fc \ub0ae\uc740 \ubcf4\uae09\ub960\uc758 \uba87 \uac00\uc9c0 \uc6d0\uc778\uc740 \ub2e4\uc74c\uacfc \uac19\ub2e4. 1) \uc18c\ube44\uc790\ub4e4\uc774 \ubcf4\ud5d8\uc758 \ud544\uc694\uc131\uc744 \uc808\uac10\ud558\uc9c0 \ubabb\ud55c\ub2e4. 2) \uc0c1\ud488\uc774 \uc77c\ubc18 \uc18c\ube44\uc790\ub4e4\uc5d0\uac8c\ub294 \uc5ec\uc804\ud788 \ub108\ubb34 \ubcf5\uc7a1\ud558\ub2e4. 3) \uc790\ub3d9 \uc778\uc218\uc2ec\uc0ac\ub294 \uc0c1\ub300\uc801\uc73c\ub85c \uc81c\ud55c\ub41c \uc0c1\ud488\uc5d0\ub9cc \uc801\uc6a9\ub418\uace0 \uc788\uace0, \uc5ec\uc804\ud788 \ubcf4\ud5d8\uc778\uc218\uc2ec\uc0ac\ub294 \uc7a5\uc560\ubb3c\uc774\ub2e4. 4) \uace0\uac1d \uc720\uce58\uac00 \uc608\uc0c1\ubcf4\ub2e4 \ub354\uc6b1 \uc5b4\ub835\uace0 \ub9ce\uc740 \ube44\uc6a9\uc744 \uc218\ubc18\ud55c\ub2e4.<\/p>\n<p>\uc6b0\ub9ac\uac00 \ubd84\uc11d\ud55c \ubc14\uc5d0 \ub530\ub974\uba74, \uc2e0\uaddc\uc9c4\uc785\uae30\uc5c5\ub4e4(\uc77c\ubc18\uc801\uc73c\ub85c \uae30\uc220\uae30\uc5c5 \ubc0f \uc2a4\ud0c0\ud2b8\uc5c5 \ub4f1)\uc758 \uc785\uc7a5\uc5d0\uc11c \uc0dd\uba85\ubcf4\ud5d8\uc0b0\uc5c5\uc758 \ubcf5\uc7a1\ud55c \uaddc\uc81c\uc640 \uc790\ubcf8 \uc9d1\uc57d\ub3c4\ub97c \uc0dd\uac01\ud558\uba74, \uc0c1\ud488 \uac1c\ubc1c\uc5d0\ub294 \ub6f0\uc5b4\ub4e4\uae30\uac00 \uc27d\uc9c0 \uc54a\uc744 \uac83\uc774\ub2e4. \ud558\uc9c0\ub9cc, \uc774 \uae30\uc5c5\ub4e4\uc774 \uae30\uc220 \ubc0f \ub370\uc774\ud130\uc640 \ubd84\uc11d\uae30\uc220 \ubd84\uc57c\uc5d0\uc11c \uc8fc\ub3c4\uc801\uc778 \uc5ed\ud560\uc744 \ud558\uace0 \uc788\uc74c\uc744 \uace0\ub824\ud55c\ub2e4\uba74, \ub514\uc9c0\ud138 \uc720\ud1b5\uc5d0\uc11c\ub3c4 \ud6e8\uc52c \ub354 \ud070 \uc5ed\ud560\uc744 \ud560 \uac00\ub2a5\uc131\uc774 \uc788\ub2e4.<\/p>\n<p><span style=\"font-size: 12pt;\"><strong>\uc0ac\ub840: \ub514\uc9c0\ud138 \uc9c1\uc811\ud310\ub9e4\ucc44\ub110\uacfc \ub300\ub9ac\uc810\uc5d0 \ud22c\uc790\ud558\ub294 \ub9e4\uc2a4\ubba4\ucd94\uc5bc(MassMutual)<\/strong><\/span><\/p>\n<p>\ub9e4\uc2a4\ubba4\ucd94\uc5bc\uc740 \ub514\uc9c0\ud138 \uc9c1\uc811\ud310\ub9e4 \ucc44\ub110\uc744 \ubc1c\uc804\uc2dc\ud0a4\uace0\uc790 \ub178\ub825\ud574\uc654\ub2e4. \uadf8 \uc790\ud68c\uc0ac\uc778 \ud5e4\uc774\ube10\ub77c\uc774\ud504\ub294 \uace0\uac1d\uacbd\ud5d8\uc744 \ud601\uc2e0\uc2dc\ud0ac \uc758\ub3c4\ub85c \uace0\uc720\uc758 \uc5d4\ub4dc\ud22c\uc5d4\ub4dc \uae30\uc220 \ubc0f \uc790\ub3d9 \uc778\uc218\uc2ec\uc0ac \ud50c\ub7ab\ud3fc\uc744 \uac1c\ubc1c\ud588\ub2e4. \uc774 \ud68c\uc0ac\ub294 \ud5e4\uc774\ube10\uc758 \uc804\uccb4 \uae30\uc220 \uc2a4\ud0dd\uc744 \ub9e4\uc2a4\ubba4\ucd94\uc5bc \ube44\uc988\ub2c8\uc2a4 \uc804\uccb4\ub85c \ud655\uc7a5\ud574 \uad81\uadf9\uc801\uc73c\ub85c \uace0\uac1d, \uc124\uacc4\uc0ac, \uc81c3\uc790 \uc5b4\ub4dc\ubc14\uc774\uc800 \ub4e4\uc774 \ubaa8\ub4e0 \ud65c\ub3d9\uc744 \ud5e4\uc774\ube10\uc758 \ub514\uc9c0\ud138 \ud50c\ub7ab\ud3fc \uc0c1\uc5d0\uc11c \ud558\ub294 \uac83\uc744 \ubaa9\ud45c\ub85c \ud558\uace0 \uc788\ub2e4. \uc774 \uc804\ub7b5\uc740 \ub2e4\ub978 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \ub808\uac70\uc2dc \uc624\ud37c\ub808\uc774\uc158\uc744 \uc0c8\ub85c\uc6b4 \ube44\uc988\ub2c8\uc2a4\uc640 \ubd84\ub9ac\ud558\ub294 \uac83(\uac00\ub054 \uc774\ub97c \ubd80\ubd84\uc801 \ud639\uc740 \uc804\uccb4 \ub7f0\uc624\ud504\ub85c \ubcc4\ub3c4 \uad00\ub9ac\ud558\uc5d0 \ub450\ub294 \ub4f1)\uacfc \uc720\uc0ac\ud55c \uc804\ub7b5\uc774\ub2e4. \ub9e4\uc2a4 \ubba4\ucd94\uc5bc\uc740 \ub514\uc9c0\ud138 \uc0c1\ud488\uc744 \ud5e4\uc774\ube10 \ub77c\uc774\ud504\ub97c \ud1b5\ud574 \uac1c\ubc1c\ud558\uace0 \uc788\uc73c\uba70, 2016\ub144\uc5d0 \uba54\ud2b8\ub77c\uc774\ud504(MetLife)\ub97c \uc778\uc218\ud558\ub294 \ub4f1, \uc804\uc18d \uc124\uacc4\uc0ac \uc720\ud1b5\uc744 \ud65c\uc131\ud654\ud558\uae30 \uc704\ud55c \uc870\uce58\ub3c4 \uc2dc\ud589 \uc911\uc774\ub2e4. \ub9e4\uc2a4\ubba4\ucd94\uc5bc\uc740 \ub610\ud55c \ucd5c\uadfc \uc124\uacc4\uc0ac\ub4e4\uc5d0\uac8c \uc5d4\ub4dc\ud22c\uc5d4\ub4dc \uae30\uc220 \ud50c\ub7ab\ud3fc(\ucee4\uba3c\uc6f0\uc2a4(Commonwealth)\uc5d0\uc11c \ub77c\uc774\uc120\uc2a4\ub97c \uad6c\ub9e4\ud55c \uc5b4\ub4dc\ubc14\uc774\uc800 360(Advisor 360) \uc2a4\uc704\ud2b8)\uc744 \uc81c\uacf5\ud560 \uac83\uc774\ub77c\uace0 \ubc1c\ud45c\ud588\ub294\ub370, \uc5ec\uae30\uc5d0\ub294 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad00\ub9ac, \uc5c5\ubb34\ud750\ub984, \ubd84\uc11d\uae30\uc220 \uad00\ub9ac \ubc0f \uace0\uac1d \ud3ec\ud138 \uae30\ub2a5 \ub4f1\uc774 \ud3ec\ud568\ub41c\ub2e4. \uc774 \uae30\uc220\uc744 \ud1b5\ud574 \uc124\uacc4\uc0ac\ub4e4\uc740 \u2018\uacc4\ud68d\uc218\ub9bd, \ubcf4\uc7a5 \ubc0f \uc7ac\ubb34\uad00\ub9ac \uc804\ubc18\uc5d0 \uac78\uccd0 \ucd1d\uccb4\uc801\uc73c\ub85c\u2019 \uace0\uac1d\ub2c8\uc988\ub97c \ud574\uacb0\ud560 \uc218 \uc788\uc744 \uac83\uc774\ub77c\uace0 \uacbd\uc601\uc9c4\uc740 \ubc1d\ud614\ub2e4.<\/p>\n<h3><span style=\"font-size: 14pt;\"><strong>\uc720\ud1b5\uc758 \ubbf8\ub798: \uc7a0\uc7ac\uc801 \uae30\ud68c<\/strong><\/span><\/h3>\n<p>\uc0dd\uba85\ubcf4\ud5d8\uacfc \uc5f0\uae08 \uc0c1\ud488\uc758 \uc720\ud1b5\uc740 \uc911\ub300\ud55c \ubcc0\ud654\uc758 \uae30\ub85c\uc5d0 \uc788\ub2e4. \ub300\ubd80\ubd84\uc758 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc5ec\uc804\ud788 \uc5c5\ubb34\ubcc4\ub85c \ubd84\ub9ac\ub418\uc5b4 \uc6b4\uc601\ub418\uace0, \ucd5c\uc885\uc18c\ube44\uc790\uacbd\ud5d8\uc744 \ud06c\uac8c \uc911\uc2dc\ud558\uc9c0 \uc54a\uc558\uc73c\uba70, \uc9c0\uc18d\uac00\ub2a5\ud558\uc9c0 \uc54a\uc740 \uc720\ud1b5\uc758 \uacbd\uc81c\uc131\uc744 \ud574\uacb0\ud574\uc57c \ud558\ub294 \uc0c1\ud669\uc5d0 \ub192\uc5ec \uc788\ub2e4. \uc6b0\ub9ac\ub294 \ud604\uc7ac \ub124 \uac00\uc9c0 \uc911\uc694\ud55c \uae30\ud68c\uac00 \uc788\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4.<\/p>\n<p><strong>1. \ub300\ub9ac\uc810 \ud65c\uc131\ud654<\/strong><\/p>\n<p><strong>\ud6a8\uacfc\uc801\uc778 \uc601\uc5c5 \uc778\ub825:<\/strong> \uc124\uacc4\uc0ac \uc2e4\uc801\uc744 \uc801\uadf9\uc801\uc73c\ub85c \uad00\ub9ac\ud558\uace0 \uc804\uccb4 \uc2e4\uc801 \uac1c\uc120\uc744 \uc704\ud55c \uc774\ub2c8\uc154\ud2f0\ube0c\ub97c \uba85\ud655\ud558\uac8c \uc815\uc758\ud574 \uc6b0\uc218\uc2e4\uc801\uc744 \uc8fc\uc694 \ub3d9\uc778\uc73c\ub85c \ud3ec\ud568\uc2dc\ucf1c \ucc44\uc6a9\uacfc\uc815\uc5d0 \ubc18\uc601\ud55c\ub2e4. \ud2b9\ud788, \ucd5c\uc0c1\uc704 \uc0ac\ubd84\uc758\uc758 \ubca0\uc2a4\ud2b8 \ud504\ub799\ud2f0\uc2a4\ub97c \ub2e4\ub978 \uc124\uacc4\uc0ac\ub4e4\uc5d0\uac8c \uc9c0\uc18d\uc801\uc73c\ub85c \ubc30\ud3ec\ud558\uace0 \uc2e4\uc801\uc744 \ucd94\uc801\ud558\uba70 \uc801\uadf9\uc801\uc73c\ub85c \uc124\uacc4\uc0ac \uac10\uc18c\uc728\uc744 \uad00\ub9ac\ud558\ub294 \ub4f1\uc758 \ub178\ub825\uc774 \uc911\uc694\ud558\ub2e4.<\/p>\n<p><strong>\uc778\uc13c\ud2f0\ube0c \uc7ac\uc815\ube44:<\/strong> \uae30\uc874 \uc218\uc218\ub8cc\uc728\uacfc \uac00\uaca9\uc744 \uc804\uccb4 \ubaa9\ud45c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc640 \uc77c\uce58\ud558\ub3c4\ub85d \ud55c\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc2e4\uc801 \ubd80\uc9c4 \uc0c1\ud488\uc5d0 \ub300\ud55c \uc218\uc218\ub8cc\ub97c \uc904\uc774\uac70\ub098(\uc2e0\uacc4\uc57d\ube44\uc6a9\uc808\uac10\ubd84\uc744 \uac00\uaca9 \ub9e4\ub825\ub3c4 \uc0c1\uc2b9\uc5d0 \uc774\uc6a9\ud560 \uc218\ub3c4 \uc788\uc74c), \ub9e4\ucd9c\uc99d\ub300 \uac00\ub2a5\uc131\uc774 \uc788\ub294 \uc6b0\uc218\uc2e4\uc801 \uc0c1\ud488\uc5d0 \ub300\ud574 \uc218\uc218\ub8cc\ub97c \uc99d\uac00\uc2dc\ud0b4.<\/p>\n<p><strong>2. \uc194\ub8e8\uc158 \ud601\uc2e0<\/strong><\/p>\n<p><strong>\uc0c1\ud488 \uac04\uc18c\ud654:<\/strong> \ubcc0\ud654\ud558\ub294 \uc18c\ube44\uc790 \ub2c8\uc988\ub97c \ud574\uacb0\ud558\uae30 \uc704\ud55c \ub354\uc6b1 \ub2e8\uc21c\ud558\uace0 \uace0\uac1d\uc911\uc2ec\uc801\uc778 \uc194\ub8e8\uc158\uc744 \uc124\uacc4\ud55c\ub2e4. \ud604\uc7ac \uc0c1\ud488\uad70\uc740 \uacfc\ub3c4\ud558\uac8c \ubcf5\uc7a1\ud558\uace0 \ud604\uc7ac \uac00\uce58\uc81c\uc548\uc740 \uc18c\ube44\uc790\ub4e4\uc758 \ub9c8\uc74c\uc744 \uc77d\uc9c0 \ubabb\ud558\uace0 \uc788\ub2e4. \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc124\uacc4\uc0ac\ub4e4\uc774 \uc194\ub8e8\uc158\uc758 \uac00\uce58\uc81c\uc548\uc744 \uc18c\ube44\uc790\ub4e4\uc5d0 \uc27d\uac8c \uc804\ub2ec\ud560 \uc218 \uc788\ub3c4\ub85d \ud574\uc57c \ud55c\ub2e4. (\ucee4\ubba4\ub2c8\ucf00\uc774\uc158\uc5d0\uc11c \uc26c\uc6b4 \uc6a9\uc5b4\ub97c \uc0ac\uc6a9\ud558\uace0, \uc2dc\uac01\uc801\uc778 \uc124\uba85\uc790\ub8cc\ub97c \uc81c\uacf5\ud558\ub294 \ub4f1)<\/p>\n<p><strong>\ub514\uc9c0\ud138 \uc77c\ub7ec\uc2a4\ud2b8\ub808\uc774\uc158:<\/strong> \uc124\uacc4\uc0ac\ub4e4\uc774 \uc18c\ube44\uc790\ub4e4\uacfc \ub354\uc6b1 \uc798 \uc18c\ud1b5\ud558\uace0, \ub354\uc6b1 \uc815\ud655\ud788 \uc0c1\ud488\uc758 \uac00\uce58\uc81c\uc548\uc744 \uc124\uba85\ud558\uace0, \uad81\uadf9\uc801\uc73c\ub85c \uc18c\ube44\uc790\ub4e4\uc758 \uc120\ud0dd\uc774 \uc6d0\ud65c\ud558\ub3c4\ub85d \ub3d5\ub294\ub2e4. \uc5b4\uc288\uc5b4\ub7f0\uc2a4(Assurance)\ub294 \ubcf4\ud5d8 \uacc4\uc57d \ubc0f \ud310\ub9e4 \uac1c\ub150\uc758 \uc2dc\uac01\ud654 \ud50c\ub7ab\ud3fc\uc744 \uc81c\uacf5\ud558\ub294 \uc778\uc288\uc5b4\ud14c\ud06c(InsurTech) \uc2a4\ud0c0\ud2b8\uc5c5\uc73c\ub85c \uc124\uacc4\uc0ac\ub4e4\uc740 \uc774 \ud50c\ub7ab\ud3fc\uc744 \ud65c\uc6a9\ud574 \uae30\uc874\uace0\uac1d\ubfd0 \uc544\ub2c8\ub77c \ubbf8\ub798\uc758 \uace0\uac1d\ub4e4\uc5d0\uac8c \ub2e4\uc591\ud55c \uc0dd\uba85\ubcf4\ud5d8 \uc0c1\ud488\uc758 \uac00\uce58\uc81c\uc548\uc744 \ubcf4\ub2e4 \ud6a8\uacfc\uc801\uc73c\ub85c \uc124\uba85\ud560 \uc218 \uc788\ub2e4. \uba87\uba87 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc774 \uc2a4\ud0c0\ud2b8\uc5c5\uc758 \uae30\uc220\ub825\uc744 \ud65c\uc6a9\ud574 \ud640\uc138\uc77c\ub7ec(wholesaler)\uc640 \uc124\uacc4\uc0ac\ub4e4\uc5d0\uac8c \uace0\uac1d \uce5c\ud654\uc801\uc778 \ub514\uc9c0\ud138 \uc601\uc5c5 \uc77c\ub7ec\uc2a4\ud2b8\ub808\uc774\uc158 \uacbd\ud5d8\uc744 \uc81c\uacf5\ud558\uace0 \uc788\ub2e4. \uc720\ud1b5\uc790\ub4e4\uc740 \ub610\ud55c \uc774 \uae30\uc220\uc744 \uc774\uc6a9\ud574 \uc708\ud50c\ub809\uc2a4(Winflex)(\uc5ec\ub7ec \uc0dd\uba85\ubcf4\ud5d8\uc0ac\ub4e4\uc774 \ud45c\uc900\ub370\uc774\ud130 \uc785\ub825\uc744 \ud560 \uc218 \uc788\ub294 \uc774\ube45\uc2a4(Ebix) \uc18c\ud504\ud2b8\uc6e8\uc5b4)\uc5d0\uc11c \ub370\uc774\ud130\ub97c \ucd94\ucd9c\ud574 \ub2e4\uc591\ud55c \uc0c1\ud488\uc758 \ud604\uae08\uac00\uce58 \uc99d\uac00, \ud574\uc57d\ud658\uae09\uae08 \ub4f1\uc744 \ubcf4\uc5ec\uc900\ub2e4.<\/p>\n<p>\uc0c8\ub85c\uc6b4 \uac00\uce58 \uc81c\uc548: \ubcc0\ud654\ud558\ub294 \uace0\uac1d\uc758 \ub2c8\uc988\uc640 \ubc14\ub77c\ub294 \uc0ac\ud56d\ub4e4(\uc0dd\uc874\uae09\ubd80, \ub9c8\uc74c\uc758 \uc548\uc815 \ub4f1) \ubc0f \uae30\uc874 \uc0c1\ud488\uc5d0 \ub300\ud55c \ud53c\ub4dc\ubc31(\uc11c\ubca0\uc774, \uae30\uc874 \uace0\uac1d \ub370\uc774\ud130 \ub4f1\uc744 \ud1b5\ud574) \ub370\uc774\ud130\ub97c \uc0c8\ub85c\uc6b4 \uc0c1\ud488 \uac1c\ubc1c\uc5d0 \ubc18\uc601\ud574 \uc194\ub8e8\uc158\uc774 \ub354\uc6b1 \uc18c\ube44\uc790\ub4e4\uc5d0\uac8c \uc801\ud569\ud558\ub3c4\ub85d \ub9cc\ub4e0\ub2e4. \uac00\uce58\uc81c\uc548\uc774 \uac15\ub825\ud558\uba74 \ud560\uc218\ub85d, \uc124\uacc4\uc0ac\ub4e4\uc774 \uc0c1\ud488\uc758 \ucc28\ubcc4\ud654\ub41c \ud2b9\uc131\uc744 \uac15\uc870\ud558\uace0, \uc601\uc5c5\uc744 \uc131\uacf5\uc2dc\ud0a4\uace0, \uc804\ud658\uc744 \ud558\ub294 \uac83\uc774 \ub354 \uc26c\uc6cc\uc9c8 \uac83\uc774\ub2e4.<\/p>\n<p><span style=\"font-size: 12pt;\"><strong>\uc0ac\ub840: \uc874 \ud578\ucf55(John Hancok)\uc758 \uac74\uac15 \ubc0f \ubcf5\uc9c0 \uc81c\uc548<\/strong><\/span><\/p>\n<p>\uc874 \ud578\ucf55\uc740 \ubc14\uc774\ud0c8\ub9ac\ud2f0(Vitality)\uc640\uc758 \ud30c\ud2b8\ub108\uc2ed\uc744 \ud1b5\ud574 \uc2e0\uacc4\uc57d\uc5d0 \ub300\ud574 \ubaa8\ub4e0 \uc2e0\uaddc \uace0\uac1d\ub4e4\uc5d0\uac8c \uac74\uac15\uc0c1\ud0dc \ucd94\uc801 \uae30\uae30\ub97c \uc81c\uacf5\ud55c\ub2e4. \uace0\uac1d\ub4e4\uc740 \uac74\uac15\ud55c \ud65c\ub3d9 \ubc0f \uc2b5\uad00\uc5d0 \ub300\ud574 \ud30c\ud2b8\ub108 \uae30\uad00\uc778 \ubc14\uc774\ud0c8\ub9ac\ud2f0\ub85c\ubd80\ud130 \ub2e8\uae30\uc801\uc73c\ub85c\ub294 \uc7ac\ubb34\uc801\uc778 \ubcf4\uc0c1\uc744 \ubc1b\uac8c \ub418\uace0, \uc7a5\uae30\uc801\uc73c\ub85c\ub294 \uc9c0\uc18d\uc801\uc73c\ub85c \ub354\uc6b1 \uac74\uac15\ud55c \uc2b5\uad00\uc744 \ud615\uc131\ud558\uac8c \ub418\uc5b4 \uac74\uac15\uc5d0 \ub3c4\uc6c0\uc774 \ub418\ub294 \ud61c\ud0dd\uc744 \ub204\ub9b4 \uc218 \uc788\ub2e4. \uadf8 \ud6c4 \uc874 \ud578\ucf55\uc740 \uc218\uc9d1\ub41c \ub370\uc774\ud130\ub97c \ud65c\uc6a9\ud560 \ubfd0 \uc544\ub2c8\ub77c \uc790\ub3d9\ud654\ub41c \uacc4\uc57d\uc778\uc218\uc2ec\uc0ac \uc54c\uace0\ub9ac\uc998\uc744 \ud6c8\ub828\ud558\uace0, \uace0\uac1d \uc218\uba85\uc744 \uac1c\uc120\uc2dc\ud0a4\uace0(\ubc14\uc774\ud2f8\ub9ac\ud2f0 \uc870\uc0ac\uc5d0 \ub530\ub974\uba74 \uc2e0\uccb4\ud65c\ub3d9\uc218\uc900\uc774 34% \uc99d\uac00\ud558\ub294 \ub4f1), \uace0\uac1d \ucc38\uc5ec\ub3c4\uac00 \uc0c1\uc2b9\ub418\ub294(\ubc14\uc774\ud0c8\ub9ac\ud2f0 \uace0\uac1d\ub4e4\uc740 \ud55c \ub2ec\uc5d0 \uc774 \uc571\uc744 \ud3c9\uade0 22\ud68c \ub354 \uc0ac\uc6a9\ud558\ub294 \ub4f1) \ub4f1\uc758 \uc0c1\ub2f9\ud55c \ud61c\ud0dd\uc744 \uae30\ub300\ud558\uace0 \uc788\ub2e4.<\/p>\n<p><strong>3. \ud6a8\uc728\uc131 \uc99d\ub300<\/strong><\/p>\n<p><strong>\ub9ac\ub4dc\uc0dd\uc131\/\ud310\ub2e8:<\/strong> \uc720\ud1b5\uc5c5\uc790\ub4e4\uc740 \ub370\uc774\ud130 \ubc0f \ubd84\uc11d\uae30\uc220\uc744 \uc774\uc6a9\ud574 \ub9ac\ub4dc\ub97c \uc0dd\uc131\ud560 \ubfd0 \uc544\ub2c8\ub77c \uace0\uac1d\uc758 \uad6c\ub9e4\uc131\ud5a5\uc5d0 \ub530\ub77c \uc774 \ub9ac\ub4dc\uc758 \uac00\uce58\ub97c \ud310\ub2e8\ud55c\ub2e4. \uc774\ub7f0 \ub3c4\uad6c\ub97c \ud1b5\ud574 \uc124\uacc4\uc0ac\ub4e4\uc740 \uadf8\ub4e4\uc758 \uc601\uc5c5\ub178\ub825\uc758 \uc6b0\uc120\uc21c\uc704\ub97c \uc815\ud558\uace0 \uae30\uc874 \uace0\uac1d\uc5d0 \ub300\ud574 \u2018\uadf8 \ub2e4\uc74c \ucd5c\uc120\uc758 \uc870\uce58\u2018\ub97c \uc81c\uc548\ud560 \uc218 \uc788\ub2e4. \uc989, \uace0\uac1d\uc774 \uc5b8\uc81c \uc804\ud658\uc774 \uac00\ub2a5\ud55c \uc9c0\ub97c \uc54c\uace0, \uace0\uac1d\ub4e4\uc774 \uc0dd\uc560 \uc774\ubca4\ud2b8\ub97c \uacbd\ud5d8\ud560 \ub54c \uad00\ub828 \uc0c1\ud488(\uc0ac\uc804 \uc2b9\uc778\uc81c\uc548\uc774\uba74 \ub354\uc6b1 \uc774\uc0c1\uc801\uc784)\uc744 \uc81c\uc548\ud560 \uc218 \uc788\ub2e4.<\/p>\n<p><strong>\ubcf4\ud5d8\uc778\uc218\uc2ec\uc0ac \ub2e8\ucd95:<\/strong> \ubcf4\ud5d8\uc778\uc218\uc2ec\uc0ac \ud504\ub85c\uc138\uc2a4\ub97c \ub354\uc6b1 \ub2e8\uc21c\ud558\uace0, \uc2e0\uc18d\ud558\uace0, \ub35c \uac1c\uc785\uc801\uc73c\ub85c \ub9cc\ub4e0\ub2e4. \uace0\uae09 \ub370\uc774\ud130 \ubd84\uc11d\uae30\uc220\uc744 \uc774\uc6a9\ud558\uba74 \uc18c\ube44\uc790\ub4e4\uc758 \ud608\uc561\uac80\uc0ac \uc5c6\uc774\ub3c4 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \ub611\uac19\uc774 \uc815\ud655\ud55c \ub9ac\uc2a4\ud06c \ud3c9\uac00\ub97c \ud560 \uc218 \uc788\uc744 \uac83\uc774\ub2e4. \uc774\ub807\uac8c \uc694\uad6c\uc0ac\ud56d\uc744 \uc81c\uac70\ud558\ub294 \uac83\uc740 \uc601\uc5c5\ud504\ub85c\uc138\uc2a4\uc758 \ube44\uc6a9\uc744 \uc904\uc77c \ubfd0\ub9cc \uc544\ub2c8\ub77c \ub9e4\ucd9c\uc744 \ub300\ud3ed \uc99d\ub300\uc2dc\ud0a8\ub2e4. \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc810\ucc28 \uc774\ub7f0 \ubc29\ud5a5\uc73c\ub85c \uc6c0\uc9c1\uc774\uace0 \uc788\ub294 \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4. \ud604\uc7ac \ubbf8\uad6d \ubcf4\ud5d8\uc0ac\ub4e4\uc758 ~50%\uac00 \uc790\ub3d9\ud654\ub41c\/\uac04\uc18c\ud654\ub41c \ubcf4\ud5d8\uc778\uc218\uc2ec\uc0ac \ud50c\ub7ab\ud3fc(\ub300\ubd80\ubd84 \uc120\ubcc4\ub41c \uc815\uae30\ubcf4\ud5d8 \uc0c1\ud488\uc5d0 \ub300\ud574)\uc744 \ubc30\uce58\ud588\uace0, LIMRA\uc5d0 \ub530\ub974\uba74 \ub610 \ub2e4\ub978 41%\ub294 \ud5a5\ud6c4 \uc218\ub144 \ub0b4\ub85c \uc774\ub97c \uc2e4\ud589\ud560 \uc608\uc815\uc774\ub2e4.<\/p>\n<p><strong>\uc0ac\ub840: \ub124\uc774\uc158\uc640\uc774\ub4dc(Nationwide)\uc758 \uc9c0\ub2a5\ud615 \ubcf4\ud5d8\uc778\uc218\uc2ec\uc0ac<\/strong><\/p>\n<p>\ub124\uc774\uc158\uc640\uc774\ub4dc\ub294 \uc0dd\uba85\ubcf4\ud5d8\uc5c5\uc744 \ud601\uc2e0\ud558\uae30 \uc704\ud55c \ub178\ub825\uc758 \uc77c\ud658\uc73c\ub85c, 2016\ub144 \ubcf4\ub2e4 \uc2e0\uc18d\ud558\uace0 \ud6a8\uc728\uc801\uc778 \ubcf4\ud5d8\uc778\uc218\uc2ec\uc0ac \ud504\ub85c\uc138\uc2a4\ub97c \uc81c\uacf5\ud558\ub294 \uac04\uc18c\ud654\ub41c \uc811\uadfc\uc744 \uc2dc\uc791\ud588\ub2e4. \uc774 \ud504\ub85c\uc138\uc2a4\ub294 \ud544\uc218\uc81c\ucd9c\ud574\uc57c \ud558\ub294 \ub2f4\ub2f9\uc758 \uc18c\uacac\uc11c\uc758 \uac1c\uc218\ub97c \uc904\uc774\uace0 \uac00\uc7a5 \uac74\uac15\ud55c \uc77c\ubd80 \uace0\uac1d\ub4e4\uc5d0 \ub300\ud574\uc11c\ub294 \uac74\uac15\uac80\uc9c4 \uc808\ucc28\ub97c \uc0dd\ub7b5\ud55c\ub2e4. \uc124\uacc4\uc0ac\ub4e4\uc740 \uc774\ub85c \uc778\ud574 \uace0\uac1d\uc758 \uc758\ub8cc\uae30\ub85d\uc744 \uc218\uc9d1\ud574\uc57c \ud558\ub294 \ub4f1 \uccad\uc57d\uc11c \uc11c\ub958\uc791\uc5c5\uc5d0 \uc3df\ub294 \uc2dc\uac04\uc774 \uc904\uc5b4\ub4e4\uac8c \ub41c\ub2e4. \uc774 \uc811\uadfc\ubc95 \ub355\ubd84\uc5d0 \uc6b0\ub7c9\uccb4\uc758 \uc57d 50%\uac8c \ub300\ud574 \uc808\ucc28\uac00 \uc2e0\uc18d\ud558\uac8c \uc774\ub8e8\uc5b4\uc9c0\uac8c \ub418\uc5c8\uace0, \uc989 \uc81c\uc548\uc774 \ud558\ub8e8 \uc774\ud2c0 \ub0b4\ub85c \uc774\ub8e8\uc5b4\uc9c0\uace0 \uc758\ub8cc\uc2e4\uc744 \uac70\uce60 \ud544\uc694\uac00 \uc5c6\ub2e4\ub294 \uc758\ubbf8\uc774\ub2e4. \ubfd0\ub9cc \uc544\ub2c8\ub77c, \ub124\uc774\uc158\uc640\uc774\ub4dc \uce21\uc5d0 \ub530\ub974\uba74 \ub2e8\ucd95\ub41c \ubcf4\ud5d8\uc778\uc218\uc2ec\uc0ac\ub97c \ud1b5\ud55c \uacc4\uc57d \uc131\uc0ac\ub960\uc740 ~95%\ub85c \uc77c\ubc18 \uc2ec\uc0ac\uc5d0 \ube44\ud574 \ub354 \ub192\uac8c \ub098\ud0c0\ub098\uace0 \uc788\ub2e4.<\/p>\n<p><em>\u201c\uac74\uac15\ud55c \uac1c\uc778\ub4e4\uc744 \uac1c\uc785\uc801\uc774\uace0 \uc218\ub3d9\ubc29\uc2dd\uc73c\ub85c \ubcf4\ud5d8\uc778\uc218\uc2ec\uc0ac\ud568\uc73c\ub85c\uc368 \ubd88\ud655\uc2e4\ud55c \uacb0\uacfc\ub97c \uc5bb\ub358 \uac83\uc774 \uc774\uc81c\ub294 \uba38\uc2e0\ub7ec\ub2dd\uacfc \uc608\uce21\ubd84\uc11d\uae30\uc220\uc744 \uc774\uc6a9\ud55c \ubcf4\ub2e4 \uc2e0\uc18d\ud558\uace0, \uc790\ub3d9\ud654\ub418\uace0 \uc77c\uad00\uc131 \uc788\ub294 \ud504\ub85c\uc138\uc2a4\ub85c \ube60\ub974\uac8c \ubcc0\ud654\ud558\uace0 \uc788\ub2e4. \uc6b0\ub9ac\ub294 \ub514\uc9c0\ud138 \ud654\ub97c \ud1b5\ud574 \ubcf4\ud5d8 \uc5b4\ub4dc\ubc14\uc774\uc800\uc640 \uace0\uac1d\ub4e4\uc774 \ubaa8\ub450 \ubcf4\ub2e4 \uac04\ub2e8\ud558\uace0 \uac04\uc18c\ud654\ub41c \ud6a8\uc728\uc801\uc778 \uacbd\ud5d8\uc744 \ud558\uac8c \ub418\uae30\ub97c \ubc14\ub780\ub2e4.\u201c <strong>\ub124\uc774\uc158\uc640\uc774\ub4dc \uc784\uc6d0<\/strong><\/em><\/p>\n<p><strong>\uc77c\uad04\ucc98\ub9ac \ud504\ub85c\uc138\uc2f1(STP):<\/strong> \uc0c8\ub85c\uc6b4 \uae30\uc220\uacfc \ub3c4\uad6c\ub97c \uc774\uc6a9\ud574 \uc5d4\ub4dc\ud22c\uc5d4\ub4dc \ub514\uc9c0\ud138 \uacbd\ud5d8(\uc628\ub77c\uc778 \uc81c\ucd9c \ubc0f \uc628\ub77c\uc778 \ubc30\uc1a1 \ub4f1)\uc744 \uc9c0\uc6d0\ud558\uace0 \uc11c\ube44\uc2a4\ub97c \ucd5c\uc801\ud654\ud568\uc73c\ub85c\uc368 \uccad\uc57d \ud504\ub85c\uc138\uc2a4\ub97c \ud604\ub300\ud654\ud55c\ub2e4. \uc774\ub97c \uc704\ud574\uc11c\ub294 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \ud30c\ud2b8\ub108\uc0ac\ub4e4\uacfc \ubcf4\ub2e4 \ub04a\uae40\uc5c6\uc774 \ud1b5\ud569\ub418\uc5b4\uc57c \ud560 \uac83\uc774\ub2e4. \ucd5c\uadfc \uc140\ub80c\ud2b8(Celent) \uc11c\ubca0\uc774\uc5d0 \ub530\ub974\uba74, \uc11c\ub958 \uccad\uc57d\uc758 NIGO(not in good order) \ube44\uc728\uc740 ~70%\uc600\ub294\ub370 \uc628\ub77c\uc778 \uccad\uc57d\uc758 \uacbd\uc6b0\uc5d0\ub294 \uc57d 5%\uc778 \uac83\uc5d0 \ubd88\uacfc\ud588\ub2e4. \uc628\ub77c\uc778 \uccad\uc57d\uc740 \uccad\uc57d \uac74\ub2f9 \ube44\uc6a9\uc744 312\ub2ec\ub7ec\uc5d0\uc11c 237\ub2ec\ub7ec\ub85c \uc904\uc774\uace0 \ud3c9\uade0 \uc0ac\uc774\ud074 \ud0c0\uc784\uc744 ~55%\uac00\ub7c9 (17\uc77c\uae4c\uc9c0) \uc904\uc77c \uc218 \uc788\ub2e4. \uac00\uc7a5 \ucd5c\uc2e0\uae30\uc220\uc744 \uc774\uc6a9\ud558\uba74 \uc774 \uc0ac\uc774\ud074\uc744 \uc77c \ub2e8\uc704\uac00 \uc544\ub2c8\ub77c \ubd84\ub2e8\uc704\ub85c \uc904\uc77c \uc218 \uc788\ub294 \uac00\ub2a5\uc131\ub3c4 \uc788\ub2e4. \ub610\ud55c, \uc0ac\ub840 \ucd94\uc801 \uae30\ub2a5\uc744 \uc774\uc6a9\ud574 \uc124\uacc4\uc0ac\ub4e4(\uacfc \uace0\uac1d\ub4e4)\uc774 \uccad\uc57d \ud504\ub85c\uc138\uc2a4\uc758 \uc9c4\ud589\uc0c1\ud669\uc744 \uc815\ud655\ud788 \uc54c\uac8c \ud568\uc73c\ub85c\uc368, \uc804\uccb4 \ud504\ub85c\uc138\uc2a4\uc758 \ud22c\uba85\uc131\uc744 \ub192\uc774\uace0 \uccad\uc57d\uc774 \ubcf4\ub958\uc911\uc778 \uae30\uac04\uc5d0 \ub204\uad70\uac00\uc758 \ud589\ub3d9\ud558\uae30\ub97c \uae30\ub2e4\ub9ac\uba74\uc11c \ub0ad\ube44\ud558\ub294 \uc2dc\uac04\uacfc \ube44\uc6a9\uc744 \uc5c6\uc568 \uc218 \uc788\ub2e4. \ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uc77c\uc815\uad00\ub9ac, \ud30c\uc774\ud504\ub77c\uc778 \ucd94\uc801 \ubc0f \uc2e4\uc801 \ubaa8\ub2c8\ud130\ub9c1 \ub3c4\uad6c \ub4f1 \uc124\uacc4\uc0ac \uc5c5\ubb34\ud750\ub984 \uad00\ub9ac \ubc0f CRM(\uace0\uac1d\uad00\uacc4\uad00\ub9ac) \ub3c4\uad6c \uc5ed\uc2dc \uc0dd\uc0b0\uc131\uc744 \ud5a5\uc0c1\uc2dc\ud0a4\uace0 \uc124\uacc4\uc0ac\uc640 \ucd5c\uc885\uace0\uac1d\uc758 \uacbd\ud5d8\uc744 \ud5a5\uc0c1\uc2dc\ud0ac \uc218 \uc788\uc744 \uac83\uc774\ub2e4. \uc774 \uae30\uc220\uc740 \uc774\ubbf8 \uc218 \ub144 \uc804\ubd80\ud130 \uac00\uc6a9\ud588\uc9c0\ub9cc, \uc544\uc9c1 \uadf8 \ub3c4\uc785\ub960\uc740 \uae30\ub300\uc5d0 \ubabb \ubbf8\uce58\ub294 \uc218\uc900\uc774\ub2e4.<\/p>\n<p><strong>4. \ubcf4\uc720\uacc4\uc57d \uad00\ub9ac<\/strong><\/p>\n<p><strong>\uc804\ub7b5\uc801 \uc635\uc158 \ud3c9\uac00\/\uae30\uc874 \uacc4\uc57d \ucd5c\uc801\ud654:<\/strong> \uacc4\uc57d\uc758 \uc77c\ubd80 \ud639\uc740 \uc804\uccb4\ub97c \ub7f0\uc624\ud504\ud568\uc73c\ub85c\uc368 \uc2e0\uacc4\uc57d\ube44\uc6a9\uc744 \uc544\uc608 \uc5c6\uc560\ub294 \uacfc\uac10\ud55c \uc870\uce58\ub97c \uace0\ub824\ud560 \uc218 \uc788\ub2e4. \ub9ce\uc740 \uae30\uc5c5\ub4e4(\uba54\ud2b8\ub77c\uc774\ud504, \uc874\ud578\ucf55, \ud2b8\ub79c\uc2a4\uc544\uba54\ub9ac\uce74 (Transamerica)\ub4f1) \uc774 \uc774\ubbf8 \uc77c\ubd80 \uacc4\uc57d\ub4e4\uc5d0 \ub300\ud574 \uc2e0\uaddc\ud310\ub9e4\ub97c \uc885\ub8cc\ud558\uac70\ub098 \ub9c1\ud39c\uc2a4\uc870\uce58\ub97c \ud558\ub294 \ub4f1 \uacfc\uac10\ud55c \uc870\uce58\ub97c \uc2e4\ud589\uc5d0 \uc62e\uacbc\uace0, \ub610 \ub2e4\ub978 \uae30\uc5c5\ub4e4\uc740 \uc2e0\uaddc\ud310\ub9e4\uc885\ub8cc \uacc4\uc57d\uc758 \uc77c\ubd80\ub97c \ub9e4\uac01\ud558\uae30\ub85c \uacb0\uc815\ud588\ub2e4. \uc6b0\ub9ac\ub294 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uacc4\uc18d\ud574\uc11c \ubcf4\uc720\uacc4\uc57d\uc758 \uc218\uc775\uc131\uc744 \uac1c\uc120\ud560 \uc218 \uc788\ub294 \ubc29\uc548\uc744 \ucc3e\uc544\uc57c \ud55c\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4. \ube44\uc6a9\uad00\ub9ac(\ud504\ub85c\uc138\uc2a4, IT\ud658\uacbd, \uc870\uc9c1\uad6c\uc870\ub97c \ucd5c\uc801\ud654\ud558\ub294 \ub4f1), \uace0\uac1d\uad00\ub9ac(\uc7ac\ubcf4\ud5d8 \ub4f1), \uc790\uc0b0\uad00\ub9ac(ALM, \ud22c\uc790 \ub4f1)\uc758 \ubc29\ubc95\uacfc, \ucd5c\uadfc \ubbf8\uad6d \uc2dc\uc7a5\uc5d0\uc11c \ubd80\uc0c1\ud558\uace0 \uc788\ub294 \uc2e0\uaddc\ud310\ub9e4\uc885\ub8cc \uacc4\uc57d \ud1b5\ud569 \ub4f1\uc744 \uc774\uc6a9\ud560 \uc218 \uc788\ub2e4.<\/p>\n<h3><span style=\"font-size: 18pt;\"><strong>\uc8fc\uc694 \uc2dc\uc0ac\uc810<\/strong><\/span><\/h3>\n<p>\uc0dd\uba85\ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc774\uc81c \ub9c9 \uc0c8\ub85c\uc6b4 \uc0c1\ud488, \ubcf4\ud5d8\uc778\uc218\uc2ec\uc0ac \ub2e8\ucd95, \uae30\uc220\uc744 \uc774\uc6a9\ud55c \ud6a8\uc728\uc131\uc99d\ub300, \uc0c8\ub85c\uc6b4 \ub514\uc9c0\ud138 \ub9c8\ucf00\ud305 \uc804\ub7b5, \ubbf8\ub4e4\uc624\ud53c\uc2a4 \ubc0f \ubc31\uc624\ud53c\uc2a4 \ud504\ub85c\uc138\uc2a4 \ub514\uc9c0\ud138\ud654\uc5d0 \ub300\ud55c \uc2e4\ud5d8\uc744 \ubcf8\uaca9\uc801\uc73c\ub85c \ucd94\uc9c4\ud558\uae30 \uc2dc\uc791\ud588\ub2e4. \ud558\uc9c0\ub9cc, \uc544\uc9c1 \uc720\ud1b5\uc5d0\uc11c \ud601\uc2e0\uc801\uc778 \ubcc0\ud654\ub294 \uc77c\uc5b4\ub098\uc9c0 \uc54a\uc558\uc73c\uba70 \ud655\uc2e4\ud55c \uc120\ub450\uc8fc\uc790\ub3c4 \uc5c6\ub294 \uc0c1\ud669\uc774\ub2e4.<\/p>\n<p>\uc55e\uc11c \uc5b8\uae09\ud55c \ubc14\uc640 \uac19\uc774, \uc6b0\ub9ac\ub294 \ubcf4\ud5d8\uc0b0\uc5c5\uc758 \uacbd\uc81c\uc131\uc774 \ubb34\ub108\uc84c\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4. \uc720\ud1b5\uc774 \uc0dd\uba85\ubcf4\ud5d8 \uc0dd\ud0dc\uacc4\uc758 \uc804\uccb4 \uac00\uce58\uc5d0\uc11c \uc9c0\ub098\uce58\uac8c \ub9ce\uc740 \ube44\uc911\uc744 \ucc28\uc9c0\ud558\uace0, \ubcf4\ud5d8\uacc4\uc57d\uc790\ub4e4\uc5d0\uac8c\ub294 \ub354\uc6b1 \ub0ae\uc740 \ud22c\uc790\uc218\uc775\uc774 \ub3cc\uc544\uac00\uba70 \uc8fc\uc8fc\ub4e4 \uc785\uc7a5\uc5d0\uc11c\ub294 \uacbd\uc81c\uc801 \uc790\ubcf8\uc5d0 \ub300\ud55c \uc218\uc775\uc774 \uacc4\uc18d \uc904\uc5b4\ub4dc\ub294 \uc0c1\ud669\uc774\ub2e4. \ud558\uc9c0\ub9cc, \uc774 \ubb38\uc81c\ub97c \uc804\uccb4\uc801\uc73c\ub85c \uc811\uadfc\ud574 \ub300\ub9ac\uc810\uc744 \ud65c\uc131\ud654\ud558\uace0, \uc194\ub8e8\uc158\uc744 \ud601\uc2e0\ud558\uba70, \ud6a8\uc728\uc131\uc744 \uc99d\ub300\ud558\uace0 \ubcf4\uc720\uacc4\uc57d\uc744 \uc81c\ub300\ub85c \uad00\ub9ac\ud558\ub294 \ubc29\ubc95\uc744 \ubaa8\uc0c9\ud558\ub294 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc0c1\ub2f9\ud55c \uac00\uce58\ub97c \uc2e4\ud604\ud560 \uc218 \uc788\uc744 \uac83\uc774\ub2e4.<\/p>\n<h3><span style=\"font-size: 18pt;\"><strong>\uc911\uad6d- \ub300\ub9ac\uc810 \uc0dd\uc0b0\uc131 \uc99d\ub300\uc758 \uad50\ud6c8<\/strong><\/span><\/h3>\n<p><span style=\"font-size: 12pt;\"><strong>\uac1c\uc694<\/strong><\/span><br \/>\n\ub300\ubd80\ubd84\uc758 \uc120\uc9c4\uad6d\ub4e4\uacfc\ub294 \ub2ec\ub9ac, \uc911\uad6d\uc758 \uc0dd\uba85\ubcf4\ud5d8\uc2dc\uc7a5\uc740, \uae09\uc131\uc7a5\uc911\uc778 \uc911\uc0b0\uce35\uacfc \uc911\uc559\uc815\ubd80(\ubcf4\ud5d8\uc0b0\uc5c5\uc5d0 \ub300\ud574 \uad6c\uccb4\uc801\uc778 \uc131\uc7a5 \ubaa9\ud45c\ub97c \uc124\uc815\ud558\uace0 \u2018\uc804\ub7b5\uc801\uc778 \ucd95\u2018\uc73c\ub85c \ubd84\ub958\ud568)\uc758 \uc9c0\uc6d0\uc5d0 \ud798\uc785\uc5b4, \uad6c\uc870\uc801\uc73c\ub85c \uc131\uc7a5 \uc911\uc774\ub2e4.<br \/>\n\uc911\uad6d\uc5d0\uc11c\ub294 \ub300\ub9ac\uc810 \ucc44\ub110\uc774 \uc911\uc694\ud558\ub2e4. &#8211; \uc804\uccb4 \ubb3c\ub7c9\uc5d0\uc11c\ub294 \ub354 \uc791\uc740 \ubd80\ubd84\uc774\uc9c0\ub9cc, \uc2e0\uacc4\uc57d \uae30\uc900\uc73c\ub85c\ub294 ~90%\ub97c \ucc28\uc9c0\ud558\uace0 \uc788\ub2e4. \uc911\uad6d\uc5d0\uc11c\uc758 \uc124\uacc4\uc0ac \uc0dd\uc0b0\uc131\uc774 \uad6d\uc81c\uae30\uc900\uc73c\ub85c \ub0ae\ub2e4\uace0\ub294 \ud574\ub3c4, \uafb8\uc900\ud788 \uc0c1\uc2b9 \uc911\uc774\uba70, \uc6b0\ub9ac\ub294 \uc774 \uc0dd\uc0b0\uc131 \uc99d\ub300 \ubc29\uc2dd\uc774 \uc5b4\ub290 \uc815\ub3c4 \ub2e4\ub978 \uc2dc\uc7a5\uc5d0\ub3c4 \uad50\ud6c8\uc744 \uc900\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4.<\/p>\n<p>\uc0c1\ud488\uad6c\uc131\uc758 \ubcc0\ub3d9\uc774 \uc0dd\uc0b0\uc131 \uc99d\ub300\uc758 \uc8fc\uc694 \ub3d9\uc778\uc774\uae30\ub294 \ud588\uc9c0\ub9cc, \ub370\uc774\ud130 \ubc0f \ubd84\uc11d\uae30\uc220\uc758 \uc0ac\uc6a9, \ub514\uc9c0\ud138\ud654, \uae30\uc220 \ud601\uc2e0 \uc5ed\uc2dc \uc911\uc694\ud55c \uc694\uc18c\uc774\ub2e4.<\/p>\n<p>\ud765\ubbf8\ub86d\uac8c\ub3c4 \uc774 \uac19\uc740 \uc0dd\uc0b0\uc131 \uc0c1\uc2b9\uc740 \uc124\uacc4\uc0ac \uc778\uad6c\uc758 \ub300\ub300\uc801\uc778 \uc99d\uac00-\uc77c\ubc18\uc801\uc73c\ub85c \uc0dd\uc0b0\uc131 \uc9c0\ud45c\uc5d0 \ud558\ub77d \ud6a8\uacfc\uac00 \uc788\ub294-\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \ub2ec\uc131\ub41c \uac83\uc774\ub2e4.<\/p>\n<p>\ud558\uc9c0\ub9cc, \uc6b0\ub9ac\uc758 \ubd84\uc11d\uc5d0 \ub530\ub974\uba74 \ucd94\uac00\uc801\uc778 \uc0dd\uc0b0\uc131 \uc99d\uac00\uac00 \uc788\uc5b4\uc57c\ub9cc \uc911\uad6d \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc815\ubd80\uac00 \ubaa9\ud45c\ub85c \ud558\ub294 \ubcf4\ud5d8\uc5c5\uc758 \uaddc\ubaa8\ub97c \ub9de\ucd9c \uc218 \uc788\ub2e4. \uadf8\ub807\uc9c0 \uc54a\uc73c\uba74 \ube44\ud604\uc2e4\uc801\uc73c\ub85c \ub9ce\uc740 \uc218\uc758 \uc124\uacc4\uc0ac\ub4e4\uc774 \ucc44\uc6a9\ub418\uc5b4\uc57c \ud55c\ub2e4.<\/p>\n<p>\uc6b0\ub9ac\ub294 \uc911\uad6d\uc758 \ubcf4\ud5d8\uc0ac\uc5d0 \ub300\ud574 \uc138 \uac00\uc9c0 \uadfc\ubcf8\uc801\uc778 \uc694\uc18c\ub97c \ubc1c\uacac\ud588\ub2e4. \u2013 \ub300\ub9ac\uc810 \ud65c\uc131\ud654, \uc194\ub8e8\uc158 \ud601\uc2e0, \ud6a8\uc728\uc131 \uc99d\ub300\uac00 \uadf8\uac83\uc774\ub2e4. \uc6b0\ub9ac\ub294 \uc774 \uc138 \uac00\uc9c0 \uc694\uc18c\uac00 \ub2e8\uae30\uc801\uc778 \uc0dd\uc0b0\uc131 \ud5a5\uc0c1\ubfd0 \uc544\ub2c8\ub77c \uc55e\uc73c\ub85c \uc774 \ucc44\ub110\uc744 \uc9c0\uc18d \uac00\ub2a5\ud558\uac8c \ub9cc\ub4dc\ub294 \ub370 \uc788\uc5b4 \uc911\uc694\ud55c \uc694\uc18c\ub77c\uace0 \ubcf8\ub2e4.<\/p>\n<p><span style=\"font-size: 12pt;\"><strong>\ubc30\uacbd<\/strong><\/span><\/p>\n<p>\ub300\ubd80\ubd84\uc758 \uc120\uc9c4\uad6d\uc5d0\uc11c \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc800\uc131\uc7a5, \uc800\uae08\ub9ac\uae30\uc870\uc758 \ub2aa\uc5d0 \ube60\uc838, \ubcf4\ud1b5 \uc218\uc900\uc758 \uc790\ubcf8\uc18c\ub4dd\uc744 \uc62c\ub9ac\ub294 \uac83\uc774 \uac08\uc218\ub85d \uc5b4\ub824\uc6cc \uc9c0\uace0 \uc788\ub294 \uc0c1\ud669\uc774\ub2e4. \uc6b0\ub9ac\ub294 \uc911\uad6d\uc5d0\uc11c \uc77c\uc5b4\ub098\uace0 \uc788\ub294 \uc0c1\ud669\uc774 \uc804\uc138\uacc4 \ub2e4\ub978 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc0dd\uc0b0\uc131\uc744 \uc99d\ub300\ud558\uace0 \uace0\uac1d\uc758 \ub2c8\uc988\ub97c \ud6a8\uacfc\uc801\uc73c\ub85c \ud574\uacb0\ud558\ub294 \ub370 \uc788\uc5b4 \ud765\ubbf8\ub85c\uc6b4 \uc2dc\uc0ac\uc810\uc744 \uc904 \uc218 \uc788\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4.<\/p>\n<p>\uc911\uad6d\uc740 \uc774\ubbf8 \ubbf8\uad6d\uc758 \ub4a4\ub97c \uc774\uc5b4 \uc804\uc138\uacc4\uc5d0\uc11c \ub450 \ubc88\uc9f8\ub85c \ud070 \uc0dd\uba85\ubcf4\ud5d8 \uc2dc\uc7a5\uc774\uba70 \uc804\uc138\uacc4 \uc0dd\uba85\ubcf4\ud5d8 \uc6d0\uc218\ubcf4\ud5d8\ub8cc\uc758 11%\ub97c \ucc28\uc9c0\ud558\uace0 \uc788\ub2e4. \uc6b0\ub9ac\ub294 \uc815\uae30\ub0a9 \ubc0f \uc77c\uc2dc\ub0a9 \uc2e0\uaddc\uacc4\uc57d\ubb3c\ub7c9\uc774 \ud5a5\ud6c4 20\ub144\uac04 \uac01\uac01 \uc5f0\ud3c9\uade0 10.1%, 4.6% \uc758 \ube44\uc728\ub85c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ud55c\ub2e4. (\ubcf4\uae30 34)<\/p>\n<p><strong>\ubcf4\uae30 34:<\/strong> \uc911\uad6d\uc758 \uc2e0\uacc4\uc57d\ubcf4\ud5d8\ub8cc \uc804\ub9dd- \uac15\ub825\ud55c \uc131\uc7a5\uc774 \uc608\uce21\ub418\uba70, \ud2b9\ud788 \uace0\ub9c8\uc9c4 \uc815\uae30\ub0a9 \uc0c1\ud488\uc774 \uc131\uc7a5\uc744 \uc8fc\ub3c4\ud560 \uac83\uc774\ub2e4<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-919 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81034.png\" alt=\"\" width=\"536\" height=\"339\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81034.png 536w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81034-300x190.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81034-534x339.png 534w\" sizes=\"auto, (max-width: 536px) 100vw, 536px\" \/><\/p>\n<p>\ub450 \uac00\uc9c0 \uc8fc\uc694 \ud2b8\ub80c\ub4dc\uac00 \uc911\uad6d\uc758 \uc774 \uac19\uc740 \uc131\uc7a5\uc744 \uacac\uc778\ud558\uace0 \uc788\ub2e4. \uccab \ubc88\uc9f8\ub294 \uae09\uc131\uc7a5\ud558\ub294 \uc911\uc0b0\uce35\uc73c\ub85c \uc218\uc785, \uc7ac\ubb34, \ubc0f \ubcf4\uc7a5\uc5d0 \ub300\ud55c \ub2c8\uc988\uac00 \ucee4\uc9c0\uba74\uc11c \ubcf4\ud5d8\uc5d0 \ub300\ud55c \ud070 \uc218\uc694\ub97c \ucc3d\ucd9c\ud558\uace0 \uc788\ub2e4. \uc774\ucf54\ub178\ubbf8\uc2a4\ud2b8 \uc778\ud154\ub9ac\uc804\uc2a4 \uc720\ub2db(Economist Intelligence Unit)\uc5d0 \ub530\ub974\uba74, \uc9c0\ub09c 20\ub144 \uac04, \uc911\uad6d\uc758 \uc911\uc0b0\uce35 \uac00\uad6c \uc218\ub294 800\ub9cc\uc5d0\uc11c \uc9c0\uae08\uc758 2\uc5b5 3000\ub9cc\uc73c\ub85c \uc131\uc7a5\ud588\uace0, 2025\ub144\uae4c\uc9c0\ub294 3\uc5b5 3000\ub9cc\uc73c\ub85c \uc99d\uac00\ud560 \uac83\uc73c\ub85c \uc804\ub9dd\ub41c\ub2e4. \ub450 \ubc88\uc9f8\ub294 \uc911\uc559\uc815\ubd80\uc758 \uc9c0\uc6d0\uc73c\ub85c, \uc815\ubd80\ucc28\uc6d0\uc5d0\uc11c \ubcf4\ud5d8 \ubcf4\uae09\ub960(\uc989, GDP \ub300\ube44 \ubcf4\ud5d8\ub8cc \ube44\uc911)\uc740 2020\ub144 \ud68c\uacc4\uc5f0\ub3c4\uae4c\uc9c0 5.0%\uc5d0 \ub3c4\ub2ec\ud558\ub294 \uac83\uc744 \ubaa9\ud45c\ub85c \ud558\uace0 \uc788\ub2e4.<\/p>\n<p>\uc911\uad6d\uc5d0\uc11c \uc124\uacc4\uc0ac\uc758 \uc218\ub294 \ucd5c\uadfc \uba87 \ub144\uac04 \uae09\uc99d\ud574 \uadf8 \uc218\uac00 2017\ub144 ~800\ub9cc\uc5d0 \ub2ec\ud588\uc73c\uba70<span style=\"text-decoration: underline;\"><strong>(\ubcf4\uae3035 \ucc38\uc870)<\/strong><\/span>, \uc911\uad6d\uc0dd\uba85(China Life)\uacfc \ud3c9\uc548\ubcf4\ud5d8(Ping An)\uc774 \uac01\uac01 100\ub9cc\uba85 \uc774\uc0c1\uc758 \uc124\uacc4\uc0ac\ub97c \ubcf4\uc720\ud558\uace0 \uc788\ub2e4. <span style=\"text-decoration: underline;\"><strong>(\ubcf4\uae30 36 \ucc38\uc870<\/strong><\/span>).<\/p>\n<p><strong>\ubcf4\uae30 35<\/strong>: \uc911\uad6d\uc758 \ub300\ub9ac\uc810 \uc778\ub825\uc740 2014-2017\ub144 \ub3d9\uc548 \uaddc\uc81c\uc694\uac74\uc774 \ubcc0\ud654\ud558\uba74\uc11c 175% \uc131\uc7a5\ud588\ub2e4.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-920 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-35.png\" alt=\"\" width=\"543\" height=\"397\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-35.png 543w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-35-300x219.png 300w\" sizes=\"auto, (max-width: 543px) 100vw, 543px\" \/><\/p>\n<p><strong>\ubcf4\uae30 36:<\/strong> \uc8fc\uc694 \uad6d\ub0b4 \uc5c5\uccb4\ub4e4\uc758 \ucd1d \uc124\uacc4\uc0ac \uc218\ub294 2012\ub144 \uc774\ud6c4 \uc5f0\ud3c9\uade0 20% \uc774\uc0c1 \uc131\uc7a5\ud574\uc654\ub2e4. \uc911\uad6d\uc0dd\uba85\uacfc \ud3c9\uc548\ubcf4\ud5d8\uc740 \uac01\uac01 100\ub9cc \uba85 \uc774\uc0c1\uc758 \uc124\uacc4\uc0ac\ub97c \ubcf4\uc720\ud558\uace0 \uc788\ub2e4<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-921 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81036.png\" alt=\"\" width=\"543\" height=\"414\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81036.png 543w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81036-300x229.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81036-80x60.png 80w\" sizes=\"auto, (max-width: 543px) 100vw, 543px\" \/><\/p>\n<p>\ucd5c\uadfc\uc758 \uc9c4\uc804\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0, \uc911\uad6d\uc758 \uc124\uacc4\uc0ac \uc0dd\uc0b0\uc131\uc740 \uc131\uc219\uc2dc\uc7a5\uc5d0 \ube44\ud558\uba74 \ub4a4\uccd0\uc838 \uc788\ub294\ub370, \uc911\uad6d\uacfc \ub3c5\uc77c \uc124\uacc4\uc0ac\uc758 \ud3c9\uade0 \uadfc\ubb34\uae30\uac04\uc774 \uac01\uac01 4\ub144\uacfc 17\ub144\uc73c\ub85c 13\ub144\uc774\ub098 \ucc28\uc774\uac00 \ub0a0 \ubfd0 \uc544\ub2c8\ub77c \uc124\uacc4\uc0ac \ucc44\ub110\uc774 \uae30\ud558\uae09\uc218\uc801\uc73c\ub85c \uc131\uc7a5\ud55c \uac83\uc744 \uace0\ub824\ud560 \ub54c \ub180\ub77c\uc6b4 \uc77c\uc740 \uc544\ub2c8\ub2e4.<\/p>\n<p>\uadf8\ub7ec\ub098,<span style=\"text-decoration: underline;\"><strong> \ubcf4\uae30 37<\/strong><\/span>\uc744 \ubcf4\uba74 \uc54c \uc218 \uc788\ub294 \uac83\ucc98\ub7fc, \uc0dd\uc0b0\uc131- \uc6d4\ubcc4 \uc124\uacc4\uc0ac\ub2f9 \ucc3d\ucd9c\ub41c \uc2e0\uacc4\uc57d\uac00\uce58\ub85c \uce21\uc815\ub418\ub294-\uc740 \uc2e4\uc9c8 \uae30\uc900\uc73c\ub85c \uafb8\uc900\ud788 \uc0c1\uc2b9\ud588\ub2e4(<span style=\"text-decoration: underline;\"><strong>\ubcf4\uae30 38<\/strong><\/span>\uc740 \uae30\uc5c5\ucc28\uc6d0\uc758 \uc2e4\uc801\uc744 \uc77c\ubd80 \ubcf4\uc5ec\uc900\ub2e4.)<\/p>\n<p>\uc5f0\uac04\ud658\uc0b0\ubcf4\ud5d8\ub8cc(APE:Annualized Premium Equivalent) \uae30\uc900\uc73c\ub85c \ub300\ub9ac\uc810\uc740 \ub9e4\ucd9c\uc758 3\ubd84\uc758 2\ub97c \ucc28\uc9c0\ud558\uba70, \uace0\ub9c8\uc9c4, \uc815\uae30\ub0a9 \uc0c1\ud488\uc758 \uac15\ub825\ud55c \uad6c\uc131 \ub355\ubd84\uc5d0 \uc2e0\uacc4\uc57d\uac00\uce58\uc758 90% \uc774\uc0c1\uc744 \ucc28\uc9c0\ud55c\ub2e4.)<\/p>\n<p><strong>\ubcf4\uae30 37:<\/strong> \uc911\uad6d\uc740 \uc138\uacc4\uc801\uc73c\ub85c \ubcf4\uae30 \ub4dc\ubb3c\uac8c\ub3c4 \uc124\uacc4\uc0ac \uc0dd\uc0b0\uc131\uc774 \uae09\uc0c1\uc2b9\ud574 2012\ub144 \uc774\ud6c4 \uc2e4\uc9c8\uae30\uc900\uc73c\ub85c \uc2e0\uacc4\uc57d\uac00\uce58(VNB)\uac00 \uc5f0\ud3c9\uade0 6.7% \uc131\uc7a5\ud588\ub2e4<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-922 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81037.png\" alt=\"\" width=\"543\" height=\"436\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81037.png 543w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81037-300x241.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81037-523x420.png 523w\" sizes=\"auto, (max-width: 543px) 100vw, 543px\" \/><\/p>\n<p><strong>\ubcf4\uae30 38:<\/strong> \uc2e0\ud654\uc0dd\uba85\ubcf4\ud5d8(New China Life)\uc758 \uc124\uacc4\uc0ac \ub2f9 \uc2e0\uacc4\uc57d\uac00\uce58\ub294 2012\ub144 \uc774\ud6c4 \uc5f0\ud3c9\uade0 14% \uc99d\uac00\ud55c \uac83\uc5d0 \ube44\ud574, \uc911\uad6d \ud0c0\uc774\ud551\ubcf4\ud5d8(China Taiping)\uc740 \uc5f0\ud3c9\uade0 4% \uc99d\uac00\ud558\ub294\ub370 \uadf8\ucce4\ub2e4.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-923 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-38.png\" alt=\"\" width=\"545\" height=\"371\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-38.png 545w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-38-300x204.png 300w\" sizes=\"auto, (max-width: 545px) 100vw, 545px\" \/><\/p>\n<p><strong>\ubcf4\uae30 39:<\/strong> \uc911\uad6d \ubcf4\ud5d8\uc0ac\uc5d0\uc11c \ub300\ub9ac\uc810\uc758 \uc911\uc694\uc131\uc774 \uc99d\uac00\ud574 \ud604\uc7ac\ub294 \ud3c9\uade0 APE\uc758 3\ubd84\uc758 2\ub97c \ucc28\uc9c0\ud55c\ub2e4.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-924 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81039.png\" alt=\"\" width=\"549\" height=\"364\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81039.png 549w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81039-300x199.png 300w\" sizes=\"auto, (max-width: 549px) 100vw, 549px\" \/><\/p>\n<p>\uacc4\uc18d\ud574\uc11c \uae09\uc131\uc7a5\ud558\ub294 \uc911\uad6d\uc758 \ubcf4\ud5d8\uc5c5\uc5d0\uc11c \ud574\uacb0\ud574\uc57c \ud558\ub294 \uacfc\uc81c \uc911\uc5d0 \ud558\ub098\ub294 \uc124\uacc4\uc0ac\ub4e4\uc758 \ub0ae\uc740 \ud65c\ub3d9\ub960, \ub192\uc740 \uc774\ud0c8\ub960, \uc808\ub300\uc801 \uae30\uc900\uc73c\ub85c \ub0ae\uc740 \uc0dd\uc0b0\uc131\uc774\ub2e4.<\/p>\n<p><span style=\"text-decoration: underline;\"><strong>\ubcf4\uae30 40<\/strong><\/span>\uc5d0\uc11c \ub4dc\ub7ec\ub098\ub294 \uac83\ucc98\ub7fc, \ud604\uc7ac\uc758 \uc800\uc870\ud55c \uc0dd\uc0b0\uc131\uacfc \ub192\uc740 \uc774\ud0c8\ub960 \uc218\uc900\uc744 \uac00\uc815\ud558\uba74(\uc5f0\uac04 \uc57d 50%\ub85c \ucd94\uc815\ub428), \ubcf4\ud5d8\uc5c5\uc740 \uc5f0\uac04 \uc57d 700\ub9cc \uba85\uc758 \uc124\uacc4\uc0ac\ub97c \ucc44\uc6a9\ud574\uc57c\ub9cc \ud560 \uac83\uc774\uace0 \uc9c0\uae08\ubd80\ud130 2030\ub144\uae4c\uc9c0\uc758 \uae30\uac04 \ub3d9\uc548 \ub204\uc801\uae30\uc900 8900\ub9cc \uba85(\ub3c5\uc77c\uc758 \uc804\uccb4 \uc778\uad6c\uc5d0 \ub9de\uba39\ub294 \uc218\uce58\uc784)\uc758 \uc124\uacc4\uc0ac\ub97c \uace0\uc6a9\ud574\uc57c\ub9cc, 2030\ub144\uae4c\uc9c0 \uc815\ubd80\uac00 \ubaa9\ud45c\ub85c \ud558\ub294 \ubcf4\ud5d8 \ubc00\ub3c4(GDP\uc758 7.0%)\ub97c \ucda9\uc871\uc2dc\ud0ac \uc218 \uc788\uc744 \uac83\uc774\ub2e4.<\/p>\n<p>\uc774\ub294 \uc6b0\ub9ac\uac00 \ubcfc \ub54c \ubd84\uba85\ud788 \ube44\ud604\uc2e4\uc801\uc778 \uc2dc\ub098\ub9ac\uc624\uc774\uba70 \uc0dd\uc0b0\uc131\uc774 \uc9c0\uc18d\uc801\uc73c\ub85c \uc0c1\uc2b9\ud574\uc57c\ub9cc \ud558\ub294 \ud544\uc694\uc131\uc744 \uac15\uc870\ud574 \uc900\ub2e4.<\/p>\n<p>\ud604\uc7ac \ub300\ubd80\ubd84\uc758 \uc124\uacc4\uc0ac\ub4e4\uc740 \uac00\uc871\uacfc \uce5c\uad6c\ub4e4\uc5d0\uac8c \ubcf4\ud5d8\uacc4\uc57d\uc744 \ud310\ub9e4\ud558\uace0 \uc788\ub294\ub370, \uc774\ub294 \uc124\uacc4\uc0ac\ub4e4\uc774 \uc804\ubb38\uc131\uc744 \ud0a4\uc6cc\uc57c \ud558\ub294 \ud544\uc694\uac00 \uc0c1\ub2f9\ud568\uc744 \uc758\ubbf8\ud55c\ub2e4. \ub300\ub9ac\uc810\uc758 \uc804\ubb38\uc131\uc774 \uac15\ud654\ub418\uba74 \uc911\uad6d\uc758 \ubcf4\ud5d8\uc0b0\uc5c5\uc774 \ud64d\ucf69\uc774\ub098 \uc2f1\uac00\ud3ec\ub974 \ub4f1 \uc544\uc2dc\uc544\uc758 \ubcf4\ub2e4 \ubc1c\uc804\ub41c \uc2dc\uc7a5\uc5d0\uc11c\uc758 \uacbd\ud5d8\uc744 \uae30\ucd08\ub85c \ubcf4\ud5d8\uc5c5\uc5d0\uc11c \uc7a5\uae30\uc801\uc778 \uacbd\ub825\uc744 \uc313\uc73c\ub824\uace0 \ud558\ub294 \uc778\ub825\uc744 \uc720\uce58\ud558\ub294\ub370 \ub3c4\uc6c0\uc774 \ub420 \uac83\uc774\ub2e4.<\/p>\n<p>\ub2e4\ud589\ud788, \uc911\uad6d\uc758 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc124\uacc4\uc0ac \uc0dd\uc0b0\uc131 \ud5a5\uc0c1\uc744 \uc704\ud574 \uc801\uadf9\uc801\uc778 \uc870\uce58\ub97c \ucde8\ud558\uace0 \uc788\ub2e4. \uc2e4\uc81c\ub85c \uc911\uad6d\uc740 \ucd5c\uc2e0\uae30\uc220\uc744 \ud65c\uc6a9\ud558\uace0 \uc788\ub294\ub370, \uac1c\ub3c4\uad6d\uc5d0\uc11c\ub294 \uc544\uc9c1 \ub4dc\ubb3c\uc9c0\ub9cc \ub2e4\ub978 \uc9c0\uc5ed\uc5d0\uc11c\ub294 \uae30\uc220\ub3c4\uc785\uc758 \uc720\uc6a9\ud55c \ub85c\ub4dc\ub9f5\uc774 \ub420 \uc218 \uc788\ub2e4. \ud3c9\uc548\ubcf4\ud5d8 \uac19\uc740 \uae30\uc5c5\ub4e4\uc740 <span style=\"text-decoration: underline;\">\ubcf4\uae30 41<\/span>\uc5d0\uc11c \uc54c \uc218 \uc788\ub4ef\uc774 \uc774\ubbf8 \uc0dd\uc0b0\uc131\uc5d0\uc11c \uc0c1\ub2f9\ud55c \ud6a8\uacfc\ub97c \ubcf4\uace0 \uc788\ub2e4.<\/p>\n<p><strong>\ubcf4\uae30 40:<\/strong> \uc6b0\ub9ac\ub294 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uacc4\uc18d\ud574\uc11c \uc124\uacc4\uc0ac \uc0dd\uc0b0\uc131\uc744 \uc99d\ub300\uc2dc\ud0a4\uace0 \uc124\uacc4\uc0ac \uac10\uc18c\uc728\uc744 \uc720\uc758\ubbf8\ud558\uac8c \uc800\ud558\uc2dc\ucf1c 2030\ub144 \uc911\uad6d \ubcf4\ud5d8\uc5c5 \ubaa9\ud45c\uaddc\ubaa8\ub97c \ub9de\ucd94\uae30 \uc704\ud574 \ud544\uc694\ud55c \uc124\uacc4\uc0ac \ucc44\uc6a9 \uc218\uc900\uc744 \uac10\uc18c\uc2dc\ucf1c\uc57c \ud55c\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4. \uadf8\ub807\uc9c0 \uc54a\uc744 \uacbd\uc6b0 \ub9e4\ub144 \uc57d 700\ub9cc \uba85\uc758 \uc124\uacc4\uc0ac\uac00 \uc2e0\uaddc \ucc44\uc6a9\ub418\uc5b4\uc57c \ud560 \uac83\uc774\ub2e4.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-1039\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2018\/03\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81040.png\" alt=\"\" width=\"515\" height=\"438\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2018\/03\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81040.png 515w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2018\/03\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81040-300x255.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2018\/03\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81040-494x420.png 494w\" sizes=\"auto, (max-width: 515px) 100vw, 515px\" \/><\/p>\n<p><strong>\ubcf4\uae30 41:<\/strong> \ud3c9\uc548\ubcf4\ud5d8\uc740 \ub300\ub9ac\uc810 \uc778\ub825\uc758 \ud65c\uc131\ud654\ud558\uae30 \uc704\ud55c \uc5ec\ub7ec \uc694\uc18c\ub97c \uc774\uc6a9\ud558\ub294 \uc88b\uc740 \uc0ac\ub840\uc774\ub2e4.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-925 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-41.png\" alt=\"\" width=\"1058\" height=\"473\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-41.png 1058w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-41-300x134.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-41-1024x458.png 1024w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-41-768x343.png 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-41-696x311.png 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-41-939x420.png 939w\" sizes=\"auto, (max-width: 1058px) 100vw, 1058px\" \/><\/p>\n<h3><\/h3>\n<h3><span style=\"font-size: 18pt;\"><strong>\uc720\ud1b5\uc758 \ubbf8\ub798: \uc7a0\uc7ac\uc801\uc778 \uae30\ud68c<\/strong><\/span><\/h3>\n<p>\uc6b0\ub9ac\ub294 \uc911\uad6d\uc758 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \ub2e4\uc74c\uc758 \uc138 \uac00\uc9c0 \uadfc\ubcf8\uc801\uc778 \ud65c\ub3d9\uc744 \ub354\uc6b1 \uac15\ub825\ud788 \ucd94\uc9c4\ud568\uc73c\ub85c\uc368 \uacc4\uc18d\ud574\uc11c \uc0dd\uc0b0\uc131 \uc99d\ub300\ub97c \ucd94\uc9c4\ud574\uc57c \ud55c\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4.<\/p>\n<p><span style=\"font-size: 14pt;\"><strong>1. \ub300\ub9ac\uc810 \ud65c\uc131\ud654<\/strong><\/span><\/p>\n<p><span style=\"font-size: 12pt;\"><strong>\ucc44\uc6a9<\/strong><\/span><\/p>\n<p>\ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc774\ubbf8 \uc5b4\ub290 \uc815\ub3c4 \uc804\ubb38\uc801\uc778 \uc11c\ube44\uc2a4 \ubc0f \uc601\uc5c5\uad00\ub828 \uc2a4\ud0ac\uc744 \ubcf4\uc720\ud55c \uc124\uacc4\uc0ac\ub97c \ucc44\uc6a9\ud558\ub294 \ub4f1 \uc2e0\uaddc\ucc44\uc6a9 \uc778\ub825\uc758 \uc218\uc900 \ud5a5\uc0c1\uc744 \uc704\ud55c \ubc29\uc548\uc744 \ubaa8\uc0c9\ud574\uc57c \ud55c\ub2e4. \uc804\ud1b5\uc801\uc73c\ub85c, \uc911\uad6d \uc815\ubd80\ub294 \ubcf4\ud5d8\ud68c\uc0ac\ub97c \uc9c1\uc5c5\uc801\uc778 \uc804\ubb38\uc131\uc774 \uc5c6\uac70\ub098 \uace0\ub4f1\uad50\uc721\uc744 \ubc1b\uc9c0 \ubabb\ud55c \uc778\ub825\uc744 \ud6c8\ub828\ud574 \ub354 \uad11\ubc94\uc704\ud55c \uc11c\ube44\uc2a4 \uc5c5\uc73c\ub85c \ub098\uc544\uac08 \uc218 \uc788\ub294 \uc7a5\uc18c\ub85c \uc774\uc6a9\ud574\uc654\ub2e4. \uacb0\uacfc\uc801\uc73c\ub85c \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc774\uba54\uc77c \uc0ac\uc6a9, \uc77c\uc815\uad00\ub9ac \ub4f1 \uae30\ubcf8\uc801\uc778 \uc0ac\ubb34\uc5d0 \ub300\ud574 \uc2e0\uc785\uc778\ub825\uc744 \ud6c8\ub828\uc2dc\ud0a4\ub294\ub370 \uc0c1\ub2f9\ud55c \ub178\ub825\uc744 \uc3df\uc544\uc654\ub2e4. \uc55e\uc73c\ub85c\ub294, \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uae30\uc900\uc744 \ub192\uc5ec, \uc774\ubbf8 \uace0\ub4f1\uad50\uc721\uc744 \ubc1b\uace0 \uae30\ubcf8\uc801\uc778 \uc5c5\ubb34\ucc98\ub9ac \ub2a5\ub825\uc774 \uc788\ub294 \uc778\ub825\uc744 \ucc44\uc6a9\ud574\uc57c \ud560 \uac83\uc774\ub2e4. \uadf8\ub807\uac8c \ub418\uba74 \uc785\uc0ac \uccab\ub0a0\ubd80\ud130 \ubcf4\ud5d8\uc5d0 \ub300\ud55c \uad50\uc721\uc744 \uc2dc\uc791\ud560 \uc218 \uc788\uc744 \uac83\uc774\ub2e4. \ub370\uc774\ud130 \ubc0f \ubd84\uc11d\uae30\uc220\uacfc \uc608\uce21 \uc54c\uace0\ub9ac\uc998\uc758 \uc0ac\uc6a9\uc740 \uae30\uc5c5\ub4e4\uc774 \ub2a5\ub825 \uc788\ub294 \ubbf8\ub798\uc758 \uc124\uacc4\uc0ac\ub4e4\uc744 \ucc3e\uc544\ub0b4\ub294 \ub370 \ub3c4\uc6c0\uc744 \uc904 \uac83\uc774\ub2e4.<\/p>\n<p><span style=\"font-size: 12pt;\"><strong>\uad50\uc721<\/strong><\/span><\/p>\n<p>\ub354\uc6b1 \ud6a8\uc728\uc801\uc73c\ub85c \uac1c\uc778 \ub9de\ucda4 \uad50\uc721\uc744 \uc81c\uacf5\ud558\ub294 \uac83 \ub610\ud55c \uac1c\uc120\uc744 \uc704\ud574 \ud544\uc218\uc801\uc774\ub2e4. \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc6b0\uc120 \uc628\ubcf4\ub529 \ud504\ub85c\uc138\uc2a4\uc5d0 \ud14c\uc2a4\ud2b8\ub97c \ud3ec\ud568\uc2dc\ucf1c \uac1c\uc120\uc774 \ud544\uc694\ud55c \uad6c\uccb4\uc801\uc778 \uc5ed\ub7c9\uc744 \ud655\uc778\ud560 \uc218 \uc788\ub2e4. \ub610\ud55c, \ub354\uc6b1 \ubbfc\ucca9\ud558\uac8c \uc6c0\uc9c1\uc5ec \ubaa8\ubc14\uc77c \uae30\uc220\uc744 \uc801\uadf9\uc801\uc73c\ub85c \uc774\uc6a9\ud574, \uc6d0\uaca9\uad50\uc721, \uc8fc\ubb38\ud615 \uad50\uc721 \ub4f1\uc744 \ud65c\uc6a9\ud560 \uc218 \uc788\ub2e4. \uae30\uc5c5\ub4e4\uc740 \ud55c \ub2ec\uac04\uc758 \ub300\uba74 \uad50\uc721\uc744 2\uc8fc\uac04\uc758 \uad50\uc721\uc73c\ub85c \ub300\uccb4\ud558\uace0, \uc774\ud6c4 \uc124\uacc4\uc0ac\ub4e4\uc774 \uc9c1\uc811 \uacbd\ud5d8\uc744 \ud560 \uc218 \uc788\ub294 \ud604\uc7a5\uc5d0 \ud22c\uc785\ud558\uba70, \uadf8 \uacbd\ud5d8\uc740 \uc774\ud6c4 \uad50\uc721\uc5d0 \uc720\uc6a9\ud55c \ub0b4\uc6a9\uc774 \ub420 \uc218 \uc788\ub2e4.<\/p>\n<p>\uc608\ub97c \ub4e4\uc5b4, \uc77c\ub2e8 \uc124\uacc4\uc0ac\ub4e4\uc774 \ud604\uc7a5\uc5d0\uc11c \uace0\uac1d\ub4e4\uacfc \uc2e4\uc81c\ub85c \uc811\ucd09\uc744 \ud558\uba74, \uc124\uacc4\uc0ac\ub4e4\uc740 \uadf8\ub4e4\uc774 \ub9de\ub2e5\ub728\ub9b0 \ub2e4\uc591\ud55c \uc2dc\ub098\ub9ac\uc624\uc5d0 \ub300\ud55c \uc9e7\uc740 \uad50\uc721 \uc601\uc0c1\uc744 \ubcfc \uc218 \uc788\ub2e4. \uc774\ub7f0 \uc2dd\uc73c\ub85c, \ud68c\uc0ac\ub294 \ubaa8\ub450\uc5d0\uac8c \uc801\uc6a9\ub418\ub294 \ud574\uacb0\ucc45\ubcf4\ub2e4\ub294, \uc124\uacc4\uc0ac\uac00 \uad6c\uccb4\uc801\uc73c\ub85c \ud544\uc694\ub85c \ud558\ub294 \uac83\uc5d0 \ub300\ud574 \uad50\uc721\uc744 \ud560 \uc218 \uc788\ub2e4. \uc774\ub294 \ub610\ud55c \uc9c0\uc18d\uc801\uc778 \uad50\uc721\uacfc \uc9c1\uc5c5\uac1c\ubc1c\uc744 \uc7a5\ub824\ud574 \uc2a4\ud0ac \uc911\uc2ec \uad50\uc721\uc744 \ud6e8\uc52c \ub354 \ud6a8\uacfc\uc801\uc73c\ub85c \ub9cc\ub4e4 \uc218 \uc788\ub2e4.<\/p>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uc774\ub7f0 \uc2dd\uc758 \uad50\uc721\ubc95\uc740 \uc0c1\ub2f9\ud55c \ud6a8\uc728\uc131\uacfc \ube44\uc6a9\uc808\uac10\uc73c\ub85c \uc774\uc5b4\uc9c8 \uc218 \uc788\ub2e4. \ud68c\uc0ac\ub294 \uad50\uc721\ub2f4\ub2f9 \ud300\uc744 \ub9c8\ub828\ud558\uc9c0 \uc54a\uace0, \uad50\uc721 \uc601\uc0c1\uc744 \ud55c \ubc88 \uc81c\uc791\ud574 \ub9e4\ub144 \ud65c\uc6a9\ud558\uba74 \ub41c\ub2e4. \uba87\uba87 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 100\ub9cc \uba85\uc774 \ub118\ub294 \uc124\uacc4\uc0ac\ub97c \ubcf4\uc720\ud558\uace0 \uc788\ub2e4\ub294 \uc810\uc744 \uc0dd\uac01\ud55c\ub2e4\uba74, \uac00\uc7a5 \ud6cc\ub96d\ud55c \uc8fc\ubb38\ud615 \ub0b4\ubd80 \uad50\uc721\uc601\uc0c1\uc744 \ud655\uc7a5 \uc801\uc6a9\ud560 \uc218 \uc788\ub294 \uac83\uc740 \ub9e4\uc6b0 \uc911\uc694\ud558\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ud3c9\uc548\ubcf4\ud5d8\uc740 \uad50\uc721\ub2f4\ub2f9\uad00 1\uba85\uc774 \uc124\uacc4\uc0ac 100\uba85\uc758 \uad50\uc721\uc744 \ub2f4\ub2f9\ud558\ub358 \uac83\uc744 \uae30\uc220\uc744 \ud65c\uc6a9\ud5741\uba85 \ub2f9 1\ub9cc \uba85\uc73c\ub85c \ud655\ub300\ud560 \uacc4\ud68d\uc774\ub2e4.<\/p>\n<p><span style=\"font-size: 12pt;\"><strong>\uacbd\ub825 \uac1c\ubc1c<\/strong><\/span><\/p>\n<p>\ubcf4\ud5d8\ud68c\uc0ac\ub4e4\uc740 \uc81c\ub300\ub85c \ub41c \uc870\uc9c1\uad6c\uc870\ub97c \uac16\ucd94\uace0 \uac00\uc7a5 \uc6b0\uc218\ud55c \uc2e4\uc801\uc758 \uc124\uacc4\uc0ac\ub4e4\uc744 \ucc3e\uc544\ub0b4\uc5b4 \ud6cc\ub96d\ud55c \uc2e4\uc801\uc5d0 \ub300\ud574 \ubcf4\uc0c1\uc744 \ud558\ub294 \uac83\ubfd0 \uc544\ub2c8\ub77c \uadf8\ub4e4\uc758 \uc7a0\uc7ac\ub825\uc744 \ucd5c\ub300\ud55c \ub04c\uc5b4\ub0bc \uc218 \uc788\ub294 \uc804\ubb38\uc801\uc778 \uc9c0\uc6d0\uc744 \uc81c\uacf5\ud558\uace0, \ud2b9\ud788 \uc6b0\uc218 \uc124\uacc4\uc0ac\ub4e4\uc5d0 \ub300\ud574 \ucc38\uc5ec\ub3c4 \ubc0f \uc9c1\uc5c5 \ub9cc\uc871\ub3c4\ub97c \uac1c\uc120\uc2dc\ud0ac \uc218 \uc788\ub2e4.<\/p>\n<p>\uc6b0\ub9ac\ub294 \uc124\uacc4\uc0ac\ub4e4\uc5d0 \ub300\ud574 \ubd84\uba85\ud558\uace0 \ub9e4\ub825\uc801\uc778 \uacbd\ub825\uac1c\ubc1c\uacfc\uc815- \uc124\uacc4\uc0ac\ub4e4\ub9c8\ub2e4 \ub3d9\uae30\ubd80\uc5ec\uac00 \ub418\ub294 \ub0b4\uc6a9\uc774 \ub2e4\ub974\uae30 \ub54c\ubb38\uc5d0 \ub2e8\uc21c\ud788 \ud55c \uac00\uc9c0 \uacbd\ub85c\ub9cc \uc788\ub294 \uac83\uc774 \uc544\ub2cc-\uc740 \ubcf4\ud5d8\uc0b0\uc5c5\uc774 \uc778\uc7ac\ub97c \uc720\uce58\ud558\uace0 \uc720\uc9c0\ud558\ub294 \ud575\uc2ec\uc774\ub77c\uace0 \uc0dd\uac01\ud55c\ub2e4. \ud604\uc7ac, \ub9ce\uc740 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc2e0\uc785 \uc124\uacc4\uc0ac\ub97c \ucc44\uc6a9\ud574 \uc77c\ub144 \uc815\ub3c4 \ud6c4\uc5d0 \uc815\uc2dd \uc124\uacc4\uc0ac\ub85c \uc2b9\uc9c4\uc2dc\ud0a4\uace0 \uadf8 \uc774\ud6c4 10\ub144\uc774 \ub118\ub294 \uae30\uac04 \ub3d9\uc548 \uacbd\ub825\uac1c\ubc1c\uc5d0 \ub300\ud55c \uad6c\uccb4\uc801\uc778 \uacc4\ud68d\uc774 \uc5c6\ub2e4. \uc774\ub294 \uc124\uacc4\uc0ac\ub4e4\uc758 \ucc38\uc5ec\uc728\uc744 \ub192\uc774\uace0 \uac10\uc18c\uc728\uc744 \uc904\uc774\ub294 \ub370 \uc788\uc5b4\uc11c \uc804\ud600 \ub3c4\uc6c0\uc774 \ub418\uc9c0 \uc54a\ub294 \uc0c1\ud669\uc774\ub2e4.<\/p>\n<p>\uc5b4\ub5a4 \uc6b0\uc218 \uc124\uacc4\uc0ac\ub4e4\uc740 \uad00\ub9ac\uc9c1\uc73c\ub85c \uc2b9\uc9c4\ud574 \uae09\uc5ec\uc640 \uc218\uc218\ub8cc\uac00 \uc548\uc815\uc801\uc73c\ub85c \ud63c\ud569\ub41c \ubcf4\uc218\ub97c \ubc1b\ub294 \uc120\uc784 \uc124\uacc4\uc0ac\uac00 \ub418\uae30\ub97c \uc6d0\ud560 \uc218 \uc788\ub294 \ubc18\uba74, \ub610 \uc5b4\ub5a4 \uc124\uacc4\uc0ac\ub4e4\uc740 \uace0\uac1d \ub300\uba74\uc5c5\ubb34\ub97c \uacc4\uc18d \ud558\uace0 \uc2f6\uc5b4\ud560 \uc218 \uc788\ub2e4. \ub2e4\uc591\ud55c \uc635\uc158\ub4e4\uc774 \uc801\uc808\ud55c \uc778\uc13c\ud2f0\ube0c, \uc2b9\uc9c4 \uae30\uc900 \ub4f1\uacfc \ud568\uaed8 \ub9c8\ub828\ub418\uc5b4 \uc788\ub294 \uac83\uc774 \uc911\uc694\ud558\ub2e4.<\/p>\n<p><span style=\"font-size: 14pt;\"><strong>2. \uc194\ub8e8\uc158 \ud601\uc2e0<\/strong><\/span><\/p>\n<p>\uc911\uad6d\uc5d0\uc11c\uc758 \uace0\uac1d\uacbd\ud5d8\uc740 \ub9ce\uc740 \uc131\uc219\uc2dc\uc7a5\uacfc \ube44\uad50\ud574 \ud6e8\uc52c \uc6b0\uc218\ud55c \ud3b8\uc774\ub2e4. \uc18c\uc15c \ubc0f \ubaa8\ubc14\uc77c \uc5b4\ud50c\ub9ac\ucf00\uc774\uc158\uc774 \ud45c\uc900\uc774\uace0 \uc911\uad6d \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc120\uc9c4\uad6d \ubcf4\ud5d8\uc0ac\ub4e4\uacfc \ub611 \uac19\uc740 \uc218\uc900\uc73c\ub85c \ub808\uac70\uc2dc \uae30\uc220 \uad00\ub828 \ubb38\uc81c\ub97c \uac71\uc815\ud560 \ud544\uc694\uac00 \uc5c6\ub2e4\ub294 \uc0ac\uc2e4\uc744 \uc2ed\ubd84 \ud65c\uc6a9\ud574, \uba87\uba87 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc5d4\ub4dc\ud22c\uc5d4\ub4dc \ub514\uc9c0\ud138 \uacbd\ud5d8\uc744 \uac1c\ubc1c\ud588\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc124\uacc4\uc0ac\ub4e4\uc774 \uc704\ucc57(WeChat)\ucc98\ub7fc \uc778\uae30 \uc788\ub294 \uc81c3\uc790 \uc571\uc744 \uc0ac\uc6a9\ud574 \uace0\uac1d\ub4e4\uc5d0\uac8c \ubcf4\ud5d8\uc744 \ud310\ub9e4\ud558\uace0 \uc0c1\ud638\uc791\uc6a9\uc744 \ud560 \uc218 \uc788\uc744 \ubfd0 \uc544\ub2c8\ub77c \uace0\uac1d\ub4e4\uc774 \uc804\ud654\ub098 PDA\ub97c \uc774\uc6a9\ud574 \ubcf4\ud5d8\uacc4\uc57d\uc744 \uad6c\ub9e4\ud560 \uc218\ub3c4 \uc788\ub2e4.<\/p>\n<p>\uc704\ucc57- \uae30\ub2a5\uc774 \ub108\ubb34 \ub9ce\uc544\uc11c \u2018\ubaa8\ub4e0 \uac83\uc744 \ud560 \uc218 \uc788\ub294 \uc911\uad6d\uc758 \uc571\u2018 \uc774\ub77c\uace0 \ubd88\ub9ac\ub294-\uacfc \uac19\uc740 \ub514\uc9c0\ud138 \ud50c\ub7ab\ud3fc\uc740 \uc911\uad6d\uc778\ub4e4\uc758 \uc77c\uc0c1\uc5d0 \uae4a\uc219\uc774 \uc790\ub9ac\uc7a1\uace0 \uc788\ub2e4. \ubaa8\uac74\uc2a4\ud0e0\ub9ac- BCG\uc758 \uc11c\ubca0\uc774\uc5d0 \ub530\ub974\uba74, \uc870\uc0ac\ub300\uc0c1 \uc18c\ube44\uc790\uc758 50% \uc774\uc0c1\uc774 \uc628\ub77c\uc778\uc774\ub098 \uc140\ud504\uc11c\ube44\uc2a4 \uae30\ub2a5\uc774 \ub354 \ub098\uc740 \ubcf4\ud5d8\uc0ac\ub85c \uc62e\uae38 \uc758\ud5a5\uc774 \uc788\ub2e4\uace0 \ub2f5\ud588\ub2e4.<\/p>\n<p>\uba87\uba87 \uc911\uad6d \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \ud575\uc2ec \ube44\uc9c0\ub2c8\uc2a4\uc758 \ub514\uc9c0\ud138\ud654\ub97c \uc911\uc2ec\uc73c\ub85c, \uc774 \uac19\uc740 \ub514\uc9c0\ud138\ud654 \uc5ec\uc815\uc744 10\ub144 \uc804\uc5d0 \uc2dc\uc791\ud588\ub2e4. \uc5ec\uae30\uc5d0\ub294 \uace0\uac1d \ubc0f \uc720\ud1b5\uc790 \ubaa8\ub450\ub97c \uc704\ud55c \uc628\ub77c\uc778 \ucc44\ub110 \uad6c\ucd95, \ubc31\uc5d4\ub4dc \ud504\ub85c\uc138\uc2a4 \uac04\uc18c\ud654, \ubcf4\ud5d8\uc2ec\uc0ac \uc790\ub3d9\ud654, \ubcf4\ud5d8\uae08 \uccad\uad6c\uad00\ub9ac \ubc0f \ud504\ub85c\uc138\uc2f1 \uac1c\uc120 \ub4f1\uc774 \ud3ec\ud568\ub41c\ub2e4. \uc774\ub4e4 \uc911 \uc77c\ubd80\ub294 \ubcf4\ud5d8\uc0ac \ub0b4\uc5d0 \ub2e4\uc591\ud55c \ud300\ub4e4(\uacc4\uc57d\uc2ec\uc0ac, \ubcf4\ud5d8\uae08\uccad\uad6c, \uacc4\ub9ac \ub4f1) \ubc0f \ube44\uc988\ub2c8\uc2a4 \ub77c\uc778(\uc790\ub3d9\ucc28, \uac74\uac15, \uc0dd\uba85 \ub4f1)\uac04\uc758 \ubcbd\uc744 \ub354\uc6b1 \uac15\ud654\uc2dc\ucf30\uc744 \uc218\ub3c4 \uc788\uc9c0\ub9cc, \ub2e4\ub978 \ub178\ub825\ub4e4\uc740 \uc2e4\uc81c\ub85c \uc131\uc7a5\ud560 \uc218 \uc788\ub294 \ud2bc\ud2bc\ud55c \ud658\uacbd\uc744 \ub9cc\ub4e4\uc5c8\ub2e4.<\/p>\n<p>\ubc1c\ud488\uc744 \ud314\uba70 \uc77c\ud588\ub358 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc774\uc81c\ub294 \ubaa8\ubc14\uc77c \ub3c4\uad6c\ub97c \uc774\uc6a9\ud574 \uace0\uac1d\uad00\ub9ac, \ud310\ub9e4\ud6c4 \uc11c\ube44\uc2a4, \uacc4\uc57d\ubc1c\uae09, \uad50\uc721, \ud65c\ub3d9\uad00\ub9ac, \ub9c8\ucf00\ud305, \ud06c\ub85c\uc2a4\uc140\ub9c1 \ubc0f \uc911\uc559\uc9c0\uc6d0 \ub4f1\uc774 \uac00\ub2a5\ud558\ub2e4. \uc774\ub7f0 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc0c1\ud488\uc744 \ud478\uc2dc\ud310\ub9e4\ud558\ub294 \uac83\uacfc\ub294 \ub2ec\ub9ac, \uace0\uac1d\ub4e4\uc758 \uc2e4\uc9c8\uc801\uc778 \ubb38\uc81c\ub97c \ud574\uacb0\ud560 \uc218 \uc788\ub294 \uc5ed\ub7c9\uc744 \uac16\ucd94\uac8c \ub41c\ub2e4.<\/p>\n<h3><span style=\"font-size: 14pt;\"><strong>\uc0c8\ub85c\uc6b4 \uac00\uce58\uc81c\uc548<\/strong><\/span><\/h3>\n<p>\uc77c\ubd80 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc774\ubbf8 \uc81c3\uc790\uc5d0\uac8c \ud50c\ub7ab\ud3fc\uc744 \uac1c\ubc29\ud558\uace0 \uc194\ub8e8\uc158\uacfc \uc11c\ube44\uc2a4 \uc0dd\ud0dc\uacc4\ub97c \uad6c\uc131\ud574 \uace0\uac1d\ub4e4\uc5d0\uac8c \ud601\uc2e0\uc801\uc778 \uac00\uce58\uc81c\uc548\uc744 \ud558\uae30 \uc704\ud574 \ub178\ub825 \uc911\uc774\ub2e4. \uc774\ub807\uac8c \ud568\uc73c\ub85c\uc368, \uc6b0\ub9ac\ub294 \ub354\uc6b1 \ub2e4\uc591\ud55c \uace0\uac1d\ub4e4\uc758 \ub2c8\uc988\ub97c \ud574\uacb0\ud560 \uc218 \uc788\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4. \ubcd1\uc6d0\uc608\uc57d\uc744 \uc7a1\ub294 \ub4f1 \uace0\uac1d\ub4e4\uc758 \uc77c\uc0c1\uc801\uc778 \ud65c\ub3d9\uc744 \ub3d5\uac70\ub098 \uc8fc\ud0dd\uc774\ub098 \uc790\ub3d9\ucc28\ub97c \uad6c\ub9e4\ud558\ub294 \uc880\ub354 \ube44\uc77c\uc0c1\uc801\uc778 \ud65c\ub3d9\uc744 \ub3c4\uc6b8 \uc218\ub3c4 \uc788\ub2e4.<\/p>\n<p>\uc608\ub97c \ub4e4\uc5b4, \ud0c0\uc774\uce89 \uc0dd\uba85\ubcf4\ud5d8(Taikang Life)\uc758 \uace0\uac1d\ub4e4\uc740 1000\uac1c\uc758 \uc591\ub85c\uc6d0, 2700\uac1c\uc758 \uce58\uacfc, \uc911\uad6d\uc758 10\uac1c \ub3c4\uc2dc\uc5d0 \uc788\ub294 \uc740\ud1f4\uc790 \ucee4\ubba4\ub2c8\ud2f0\ub4e4\ub85c \uad6c\uc131\ub41c \ub124\ud2b8\uc6cc\ud06c\uc5d0 \u2018\ud5ec\uc2a4 \ud074\ub77c\uc6b0\ub4dc(Health Cloud)\u2018 \uc11c\ube44\uc2a4\ub97c \ud1b5\ud574 \uc5f0\uacb0\ub41c\ub2e4. \ub610\ud55c, \ud3c9\uc548\ubcf4\ud5d8\uc740 1\uc5b5 5300\ub9cc\uba85\uc758 \uae08\uc735\uc11c\ube44\uc2a4 \uace0\uac1d\ub4e4\uc744 \ubcf4\uc720\ud558\uace0 \uc788\ub2e4. (\uac74\uac15\uad00\ub9ac \ubc0f \uc758\ub8cc \ud50c\ub7ab\ud3fc\uc778 \uad7f\ub2e5\ud130(Good Doctor)\uc640, \ubd80\ub3d9\uc0c1 \uc571\uc778 \ud3c9\uc548 \ud558\uc624\ud321(Haofang), \uc1fc\ud551 \ucda9\uc131\ub3c4 \ud504\ub85c\uadf8\ub7a8\uc778 \uc644\ub9ac\ud1b5(Wanlitong) \uc744 \ud3ec\ud568\ud558\uba74 \uc0ac\uc6a9\uc790 \uc218\ub294 6\uc5b5 \uba85\uc774\ub2e4.)<\/p>\n<p>\uc0c1\ud488\uc758 \uc720\ud615\uacfc \uc218\ub97c \ud655\uc7a5\ud568\uc73c\ub85c\uc368, \uc774 \ud68c\uc0ac\ub4e4\uc740 \uace0\uac1d\ub4e4\uacfc\uc758 \ub354\uc6b1 \uc790\uc8fc \ub354\uc6b1 \uae34\ubc00\ud558\uac8c \uc0c1\ud638\uc791\uc6a9\ud558\uba74\uc11c \uace0\uac1d\ub4e4\uacfc\uc758 \uad00\uacc4\ub97c \uac15\ud654\uc2dc\ud0a4\uace0 \uc788\ub2e4. \uc774\uc81c \uc911\uc694\ud55c \uac83\uc740 \uace0\uac1d\ub4e4\uc758 \ub2c8\uc988\ub97c \ucda9\uc871\uc2dc\ucf1c\uc904 \uc218 \uc788\ub294 \uc0c1\ud488\uacfc \uc11c\ube44\uc2a4\uc758 \uc2e4\ud604\uc744 \uac00\ub2a5\ud558\uac8c \ud574 \uc904 \uc801\uc808\ud55c \ud30c\ud2b8\ub108\ub97c \ucc3e\ub294 \uac83\uc774\ub2e4.<\/p>\n<p><span style=\"font-size: 14pt;\"><strong>3. \ud6a8\uc728\uc131 \uc99d\ub300<\/strong><\/span><\/p>\n<p>\uc6b0\ub9ac\ub294 \uc124\uacc4\uc0ac\ub4e4\uc774 \ud589\uc815 \ubc0f \uc9c0\uc6d0 \ud65c\ub3d9\uc5d0 \uc4f0\ub294 \uc2dc\uac04\uc744 \uc904\uc774\uace0, \uc601\uc5c5\uc5d0 \uc18c\ube44\ud558\ub294 \uc2dc\uac04\uc744 \uadf9\ub300\ud654\ud574\uc57c \ud55c\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4.<\/p>\n<p><span style=\"font-size: 12pt;\"><strong>\ub9ac\ub4dc \uc0dd\uc131<\/strong><\/span><\/p>\n<p>\ub370\uc774\ud130 \ubc0f \ubd84\uc11d\uae30\uc220\uc744 \uc774\uc6a9\ud574 \uc124\uacc4\uc0ac\ub4e4\uc744 \uc704\ud55c \uc591\uc9c8\uc758 \ub9ac\ub4dc\ub97c \uc0dd\uc131\ud558\uace0, \uace0\uac1d \uc608\uce21 \ud504\ub85c\uc138\uc2a4\ub97c \ud6e8\uc52c \ub354 \ub9de\ucda4\ud615\uc73c\ub85c, \ub354 \ud6a8\uc728\uc801\uc73c\ub85c \ub9cc\ub4e4 \uc218 \uc788\ub2e4. \uc124\uacc4\uc0ac\ub4e4\uc5d0\uac8c \ub9ac\ub4dc\uc5d0 \ub300\ud574 \uc815\ubcf4\uac00 \uc81c\ud55c\ub418\uac70\ub098 \uc544\uc608 \uc5c6\ub294 100\uac1c\uc758 \ubaa9\ub85d\uc744 \uc8fc\ub294 \uac83\uc5d0 \ube44\ud574, \uad6c\ub9e4 \uac00\ub2a5\uc131\uc774 \ub192\uc740 \uc591\uc9c8\uc758 \ub9ac\ub4dc 10\uac1c\ub97c \uc81c\uacf5\ud558\ub294 \uac83\uc774 \ud569\ub9ac\uc801\uc778 \uc218\uc900\uc758 \ubaa9\ud45c\uc77c \uac83\uc774\ub2e4.<\/p>\n<p>\ubcf4\ud5d8\uc0ac\ub4e4\uc740 \ubcf4\ud5d8\uc778\uc218\uc2ec\uc0ac \ubc0f \uace0\uac1d \ubaa8\ub2c8\ud130\ub9c1 \ub4f1\uc744 \ud1b5\ud574 \ub9c9\ub300\ud55c \uc591\uc758 \ub370\uc774\ud130\ub97c \uc800\uc7a5\ud558\uace0 \uc788\uc73c\uba70 \uc774\ub294 \ub9ce\uc740 \ubcf4\ud5d8\uad00\ud589\uc744 \uac1c\uc120\uc2dc\ud0a4\ub294 \ub370, \ud2b9\ud788 \ub9ac\ub4dc\ub97c \ucc3e\uc544\ub0b4\uace0 \ucd94\uc9c4\ud558\ub294\ub370 \ud65c\uc6a9\ub420 \uc218 \uc788\ub2e4.<\/p>\n<p><span style=\"font-size: 12pt;\"><strong>\ubcf4\ud5d8\uc778\uc218\uc2ec\uc0ac<\/strong><\/span><\/p>\n<p>\uccad\uc57d\uc11c \uc0ac\uc804\uc791\uc131\uc740 \uc124\uacc4\uc0ac\uac00 \uc720\ub9dd\uace0\uac1d\uc758 \uae30\ubcf8 \uc815\ubcf4\ub97c \uc5bb\uae30 \uc704\ud574 \uccad\uc57d\uc11c\uc758 \ubaa8\ub4e0 \uc9c8\ubb38\uc744 \ubb3b\ub294\ub370 \uc18c\uc694\ub418\ub294 \uc2dc\uac04\uc744 \ub300\ud3ed \uc904\uc5ec\uc904 \uc218 \uc788\ub2e4. \uc774\ub294 \uc9c0\uc6d0 \uc778\ub825\uc744 \ud1b5\ud558\uac70\ub098 \ub354\uc6b1 \uc774\uc0c1\uc801\uc73c\ub85c\ub294 \uc804\uc18d \ubc0f \uc81c3\uc790 \ub370\uc774\ud130 \ucd9c\ucc98\ub97c \ud1b5\ud574 \uc911\uc559\uc5d0\uc11c \uac04\ub2e8\ud788 \uc2e4\ud589\ub420 \uc218 \uc788\ub2e4. \uc911\uad6d \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc774\ubbf8 \ub0b4\ubd80 \ubc0f \uc81c3\uc790 \ub370\uc774\ud130\ub97c \ud1b5\ud569\ud574 \uace0\uac1d\uc5d0 \ub300\ud55c \uc804\uccb4\uc801\uc778 \ubd84\uc11d\uc744 \ud558\uace0 \uc788\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uace0\uac1d\uc758 \ub514\uc9c0\ud138 \uc11c\ube44\uc2a4 \uacc4\uc88c\ub97c \uc740\ud589\uc774\ub098 \uc790\uc0b0\uad00\ub9ac \ub4f1\uc758 \uae08\uc735\uc11c\ube44\uc2a4 \uacc4\uc88c\uc640 \ud1b5\ud569\ud568\uc73c\ub85c\uc368, \uace0\uac1d\uc758 \uc0dd\ud65c\uc5d0 \ub300\ud574 \uc804\uccb4\uc801\uc778 \uc774\ud574\uac00 \uac00\ub2a5\ud558\uace0 \uc774\ub97c \ud1b5\ud574 \uace0\uac1d\ub4e4\uc5d0\uac8c \ub354 \ub098\uc740 \uc194\ub8e8\uc158\uc744 \uc81c\uacf5\ud560 \uc218 \uc788\ub2e4.<\/p>\n<p>\uc911\uad6d\uc5d0\uc11c \uace0\uac1d\ub370\uc774\ud130\ub294 \uc544\uc9c1 \uc775\uba85\uc73c\ub85c \uad00\ub9ac\ub418\uace0 \uc788\uae30\ub294 \ud558\uc9c0\ub9cc, \ucd5c\uc2e0 \ubd84\uc11d\uae30\uc220\uc740 \uc720\uc0ac\ud55c \uace0\uac1d\ub4e4\uc744 \uc720\uc0ac\ud55c \uc0c1\ud488 \ub2c8\uc988\ub97c \uac00\uc9c4 \uadf8\ub8f9\uc73c\ub85c \ubb36\uc5b4 \uad6c\ub9e4 \uc131\ud5a5 \uc608\uce21\uc5d0 \ub3c4\uc6c0\uc774 \ub41c\ub2e4. \uc774\ub7f0 \uae30\ubc95\uc744 \ud1b5\ud574 \uace0\uac1d\ub4e4\uc758 \uc0dd\uc560\ub2e8\uacc4\uc640 \uc804\uccb4 \ud504\ub85c\ud544\ub97c \uae30\ucd08\ub85c \uad6c\uccb4\uc801\uc778 \ub2c8\uc988\uc5d0 \uc54c\ub9de\uc740 \uac1c\uc778\ub9de\ucda4\ud615 \uc81c\uc548\uc744 \ud568\uc73c\ub85c\uc368 \uc124\uacc4\uc0ac\ub4e4\uc758 \uc0dd\uc0b0\uc131\uacfc \ud6a8\uacfc\uc131\uc774 \uc0c1\ub2f9\ud788 \uac1c\uc120\ub420 \uc218 \uc788\ub2e4.<\/p>\n<p>\ud3c9\uc548 \ubcf4\ud5d8\uc740 \uc548\uba74\uc778\uc2dd \uae30\uc220\uc744 \uc774\uc6a9\ud55c \uc0c8\ub85c\uc6b4 \uacc4\uc57d\uc2ec\uc0ac\uc804\ub7b5\uc744 \uc2dc\ud5d8\ud558\uace0 \uc788\ub294\ub370, \uc138\uacc4\uc5d0\uc11c \uac00\uc7a5 \ub192\uc740 99.8%\uc758 \uc815\ud655\ub3c4\ub97c \uc790\ub791\ud55c\ub2e4. \ud3c9\uc548\uc758 \ub9c8\uc774\ud06c\ub85c \uc548\uba74\uc778\uc2dd \uc54c\uace0\ub9ac\uc998\uc740 \uc628\ub77c\uc778 \uc2a4\ub9c8\ud2b8\ud3f0 \uc778\ud130\ubdf0\uc5d0\uc11c \uace0\uac1d\uc758 \uac10\uc815\uc0c1\ud0dc\ub97c \ud3c9\uac00\ud558\ub294 \uac83\uc73c\ub85c \uacc4\uc57d\uc778\uc218\uc2ec\uc0ac\uc758 \uc815\ud655\ub3c4\ub97c \uac1c\uc120\ud558\uace0 \ubcf4\ud5d8\uc0ac\uae30\ub97c \uc904\uc77c \uc218 \uc788\ub2e4.<\/p>\n<p><span style=\"font-size: 12pt;\"><strong>\ub514\uc9c0\ud138\ud654<\/strong><\/span><\/p>\n<p>\uc6b0\ub9ac\ub294 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \ubbf8\ub4e4\uc624\ud53c\uc2a4 \ubc0f \ubc31\uc624\ud53c\uc2a4 \ud504\ub85c\uc138\uc2a4\ub97c \ucd5c\uc801\ud654\ud558\uace0 \uc790\ub3d9\ud654\ud574\uc57c \ud55c\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4. \uc77c\ubd80 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc774\ubbf8 \uc774\ub7f0 \uc804\ub7b5\uc744 \ucd94\uc9c4 \uc911\uc774\uc9c0\ub9cc \uc544\uc9c1 \uac1c\uc120\uc758 \uc5ec\uc9c0\uac00 \ub9ce\ub2e4. \ub514\uc9c0\ud138 \ub3c4\uad6c\ub97c \uc774\uc6a9\ud558\uba74 \uc124\uacc4\uc0ac\ub4e4\uc740 \ub354 \uc774\uc0c1 \ud30c\uc774\ud504\ub77c\uc778, \uace0\uac1d\uad00\ub9ac, \ubcf4\uace0\ub97c \uc77c\uc77c\uc774 \uc218\ub3d9\uc73c\ub85c \ucd94\uc801\ud560 \ud544\uc694\uac00 \uc5c6\uc744 \uac83\uc774\ub2e4. \uc124\uacc4\uc0ac\ub4e4\uc774 \uc774\ub7f0 \ud589\uc815\uc5c5\ubb34\uc5d0 \uc2dc\uac04\uc744 \ub35c \uc4f8\uc218\ub85d \ub354 \ub9ce\uc740 \uc2dc\uac04\uc744 \uc601\uc5c5 \ubc0f \uace0\uac1d\uacfc\uc758 \uc758\uc0ac\uc18c\ud1b5\uc5d0 \ud65c\uc6a9\ud560 \uc218 \uc788\uc744 \uac83\uc774\ub2e4.<\/p>\n<p><span style=\"font-size: 12pt;\"><strong>\uc0ac\ub840: \ud3c9\uc548\ubcf4\ud5d8\uc758 \ub514\uc9c0\ud138 \uc0dd\ud0dc\uacc4<\/strong><\/span><\/p>\n<p>\ud3c9\uc548\uc740 \uc124\uacc4\uc0ac \uc0dd\uc0b0\uc131(\ud604\uc9c0 \uacbd\uc7c1\uc5c5\uccb4\ub4e4\uc5d0 \ube44\ud574 \uc774\ubbf8 \ub192\uc740 \uc218\uc900\uc784)\uc744 \uac1c\uc120\ud558\uace0, \uc124\uacc4\uc0ac \uc720\uc9c0\uc728\uc744 \ub192\uc774\uace0 \ubc18\ubcf5\uad6c\ub9e4\ub97c \uc99d\ub300\ud558\uae30 \uc704\ud574 \uc18c\uc15c \ubbf8\ub514\uc5b4 \ud50c\ub7ab\ud3fc, \uc601\uc5c5 \uc571, \ud1b5\uc2e0\uc9c0\uc6d0\uc744 \ud65c\uc6a9\ud558\uace0 \uc788\ub2e4. \ub610\ud55c, \uc774 \uae30\uc220\ub4e4\uc744 \uc774\uc6a9\ud574 \uc124\uacc4\uc0ac\ub4e4\uc774 \ud3c9\uc548\uc758 \uc190\ud574\ubcf4\ud5d8, \uc740\ud589 \ubc0f \uc0dd\ud0dc\uacc4 \ube44\uc988\ub2c8\uc2a4\uc5d0\uc11c \uc18c\uac1c\uc218\uc218\ub8cc\ub97c \ubc1b\ub294 \uc0c8\ub85c\uc6b4 \ud06c\ub85c\uc2a4\uc140\ub9c1 \uc804\ub7b5\uc744 \ud3bc\uce58\ub294 \uac83\uc774 \uac00\ub2a5\ud558\ub2e4. \ud3c9\uc548 SAT(Social, App, Tele-support: \uc18c\uc15c, \uc571, \ud1b5\uc2e0\uc9c0\uc6d0)\uc811\uadfc\ubc95\uc758 \uc138 \uac00\uc9c0 \ud575\uc2ec \uc694\uc18c\ub294 \ub2e4\uc74c\uacfc \uac19\ub2e4.<br \/>\n\u2022 \uc720\ud1b5 \ud65c\uc131\ud654\ub97c \uc704\ud55c \uc18c\uc15c \ud50c\ub7ab\ud3fc\uc9c0\uc6d0: \ud3c9\uc548\ubcf4\ud5d8\uc740 \uc704\ucc57\uacfc \uae30\ud0c0 \uc18c\uc15c\ubbf8\ub514\uc5b4 \ucc44\ub110\uc5d0\uc11c \uc124\uacc4\uc0ac\uc758 \ud504\ub85c\ud544\uc744 \uc9c0\uc6d0\ud558\ub294 \ub3c4\uad6c\ub97c \uc81c\uacf5\ud55c\ub2e4. \uadf8 \ubaa9\uc801\uc740 \uc124\uacc4\uc0ac\uac00 \ub2e4\uc591\ud55c \ud50c\ub7ab\ud3fc(\uace0\uac1d\uc774 \uadf8 \uc911\uc5d0\uc11c \uc120\ud0dd\ud560 \uc218 \uc788\ub294)\uc744 \ud1b5\ud574 \uace0\uac1d\uad00\uacc4\ub97c \ud615\uc131\ud558\uace0, \uace0\uac1d\uacfc\uc758 \uad00\uacc4\ub97c \uac15\ud654\uc2dc\ud0a4\uace0, \ud310\ub9e4\ub85c \uc804\ud658 \ud558\uace0\uc790 \ud558\ub294 \uac83\uc774\ub2e4.<br \/>\n\u2022 \uc720\ud1b5 \ud65c\uc131\ud654\ub97c \uc704\ud55c \ub450 \uac00\uc9c0 \ud575\uc2ec \uc571: \uc124\uacc4\uc0ac \uc571\uc740 \uc124\uacc4\uc0ac\ub4e4\uc774 \uace0\uac1d\uacfc\uc758 \uc0c1\ud638\uc791\uc6a9\uc744 \uac15\ud654\ud558\uace0 \ud310\ub9e4\ub97c \ucd09\uc9c4\ud558\ub294\ub370 \uc0ac\uc6a9\ud558\uae30 \uc704\ud574 \uac1c\ubc1c\ub410\ub2e4. \uc774 \uc571\uc740 \uc18c\uc15c \ubbf8\ub514\uc5b4(\uace0\uac1d\uc774 \uc120\ud0dd\ud55c), \uc704\ucc57, \uc124\uacc4\uc0ac\uc758 \uace0\uac1d \uc571\uc5d0\uc11c\uc758 \ud65c\ub3d9\uc744 \uae30\ubc18\uc73c\ub85c, \ub370\uc774\ud130 \uc911\uc2ec \uace0\uac1d\ubd84\uc11d\ub0b4\uc6a9\uc744 \uc81c\uacf5\ud558\uace0 \ud65c\ub3d9\ud560 \ub0b4\uc6a9\uc744 \uc54c\ub824\uc900\ub2e4. \ucd94\uac00\uc9c0\uc6d0\uc73c\ub85c\ub294 \uc18c\uc15c \uace0\uac1d\uacc4\uc815 \uad00\ub9ac, \uc0c1\ud488 \ud50c\ub7ab\ud3fc \uc811\uc18d, \uc6d0\uaca9 \uc601\uc5c5 \uc9c0\uc6d0 \ub4f1\uc774 \uc788\ub2e4.<\/p>\n<p><em>\uc9c1\uc5ed\ud558\uba74 \u2018\ud669\uae08 \uc8fc\ubd80 \uc571(Golden Housekeeper App)\u2018\uc778 \uc774 \uace0\uac1d\ub300\uba74 \uc571\uc740 \ud3c9\uc548\ubcf4\ud5d8 \ubc0f \uadf8 \uc0dd\ud0dc\uacc4\uc5d0\uc11c \uc774\uc6a9\uac00\ub2a5\ud55c \uc0c1\ud488\uacfc \uc11c\ube44\uc2a4\uc758 \uc911\uc559 \ud5c8\ube0c \uc5ed\ud560\uc744 \ud55c\ub2e4. \uc774 \uc571\uc740 \uad50\uc721\uc790\ub8cc, \uae30\uc874 \uacc4\uc57d \uad00\ub9ac, \uac00\uc6a9\ud55c \uc0dd\uba85\ubcf4\ud5d8, \ud22c\uc790, \ud604\uae08 \uc0c1\ud488\uc758\u2018\uc1fc\ud551\ubab0\u2018, \uac74\uac15\ud55c \ud65c\ub3d9\uc5d0 \ub300\ud55c \ubcf4\uc0c1, \uc81c\ub300\ub85c \ucda9\uc871\ub418\uc9c0 \uc54a\uc558\ub358 \ub2c8\uc988\ub97c \ud574\uacb0\ud574 \uc8fc\ub294 \u2018\uc758\ub8cc\uc9c4 \ubb38\uc758(Ask a Docto)r\u2018 \uc11c\ube44\uc2a4 \ub4f1\uc744 \uc81c\uacf5\ud55c\ub2e4. \uc774\ucc98\ub7fc \uc774 \uc571\uc744 \ud1b5\ud574 \uc0c8\ub85c\uc6b4 \uac00\uce58\uc81c\uc548\uc774 \uac00\ub2a5\ud558\ub2e4\ub294 \uac83\uc740 \ub2e4\ub978 \ubcf4\ud5d8\uc0ac\ub4e4\ub3c4 \ub3c4\uc785\ud560 \uc218 \uc788\ub294 \ubc29\ubc95\uc784\uc744 \ubcf4\uc5ec\uc8fc\ub294 \uac83\uc774\ub2e4.<\/em><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-926 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-41-1.png\" alt=\"\" width=\"983\" height=\"628\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-41-1.png 983w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-41-1-300x192.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-41-1-768x491.png 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-41-1-696x445.png 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-41-1-657x420.png 657w\" sizes=\"auto, (max-width: 983px) 100vw, 983px\" \/><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-927 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-41-2.png\" alt=\"\" width=\"1052\" height=\"529\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-41-2.png 1052w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-41-2-300x151.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-41-2-1024x515.png 1024w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-41-2-768x386.png 768w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-41-2-696x350.png 696w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-41-2-835x420.png 835w\" sizes=\"auto, (max-width: 1052px) 100vw, 1052px\" \/><\/p>\n<p><strong>\u2022\u00a0<\/strong>\uc9c0\uc6d0\uc744 \uc704\ud55c 3\uac00\uc9c0\u2018 T\u2018: \ud3c9\uc548\ubcf4\ud5d8\uc740 \ud3c9\uc548\uc740\ud589\uc758 \uae08\uc735\uc0c1\ud488\uacfc \ud3c9\uc548\uc0dd\uba85\ubcf4\ud5d8\uc758 \uc0dd\uba85\ubcf4\ud5d8\uc0c1\ud488 \ub4f1, \ub2e4\uc591\ud55c \uc0c1\ud488\uc5d0 \ub300\ud574 \uc804\ubb38\uc801\uc778 \ud1b5\uc2e0 \uc9c0\uc6d0\uc744 \uc81c\uacf5\ud55c\ub2e4. \ud1b5\uc2e0\ud310\ub9e4 \uc124\uacc4\uc0ac\ub4e4\uc740 \ud2b9\uc815 \uc0c1\ud488\uad70\uc5d0 \ub300\ud574 \ucd5c\uace0\uc758 \uace0\uac1d\uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\uace0 \ud06c\ub85c\uc2a4\uc140\ub9c1\uc744 \ud560 \uc218 \uc788\ub3c4\ub85d \uc601\uc5c5 \ubc0f \uc11c\ube44\uc2a4 \uae30\uc220\uc744 \uad50\uc721\ubc1b\ub294\ub2e4.<\/p>\n<p><span style=\"font-size: 12pt;\"><strong>\ub300\ub9ac\uc810\uc758 \ubbf8\ub798\uc5d0 \uc5b4\ub5a4 \uc2dc\uc0ac\uc810\uc774 \uc788\ub294\uac00?<\/strong><\/span><\/p>\n<p>\uc0dd\uc0b0\uc131 \ud5a5\uc0c1\uc740 \ub300\ub9ac\uc810 \ucc44\ub110\uc758 \ud574\uacb0\ud574\uc57c \ud560 \uc8fc\uc694 \uacfc\uc81c \uc911 \ud558\ub098\uc774\ub2e4.- \ud3c9\uc548\uc758 \uc811\uadfc\ubc95\uc740 \uc124\uacc4\uc0ac\ub4e4\uc774 \uc774\uc6a9\ud560 \uc218 \uc788\ub294 \uc601\uc5c5 \ub9ac\ub4dc\uc758 \ud488\uc9c8\uc744 \uac1c\uc120\ud558\uace0 \uc218\ub97c \ub298\ub824\uc8fc\uba70 \uc124\uacc4\uc0ac\ub4e4\uc774 \ub354 \uc80a\uace0 \uae30\uc220\uc5d0 \uc775\uc219\ud55c \uc138\ub300\ub97c \uacf5\ub7b5\ud560 \uc218 \uc788\ub3c4\ub85d \ud574\uc900\ub2e4.<\/p>\n<p><span style=\"font-size: 12pt;\"><strong>\uc8fc\uc694 \uc2dc\uc0ac\uc810<\/strong><\/span><\/p>\n<p>\uc6b0\ub9ac\uac00 \ubd84\uc11d\ud55c \ubc14\uc5d0 \ub530\ub974\uba74, \uc911\uad6d\uc740 \uc815\ubd80 \ubaa9\ud45c\uc5d0 \ub9de\ucd94\uae30 \uc704\ud574 \uc124\uacc4\uc0ac \uc0dd\uc0b0\uc131\uc744 \uc9c0\uc18d\uc801\uc73c\ub85c \uac1c\uc120\ud558\uace0 \uc7a5\uae30\uc801\uc73c\ub85c\ub294 \uc124\uacc4\uc0ac \ubaa8\ub378\uc758 \uc2e4\ud589\uac00\ub2a5\uc131\uc744 \uac1c\uc120\uc2dc\ucf1c\uc57c \ud55c\ub2e4. \uc911\uad6d \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \ub2e4\ub978 \uad6d\uac00\ub4e4\uc5d0 \ube44\ud574 \ub354\uc6b1 \ubc1c\uc804\ub41c \ubc29\uc2dd\uc73c\ub85c \uae30\uc220\uc744 \ud65c\uc6a9\ud558\uba74\uc11c \uacfc\uac10\ud55c \ub300\ucc45\uc744 \ucd94\uc9c4\ud574 \uc774 \ubb38\uc81c\ub97c \ub300\ucc98\ud574 \uc654\ub2e4. \ud558\uc9c0\ub9cc, \uad6c\uc870\uc801\uc778 \uae30\uc220 \uc678\uc801\uc778 \ubb38\uc81c\ub4e4\uc774, \ud2b9\ud788 \uc124\uacc4\uc0ac \ud65c\ub3d9\uc131 \uba74\uc5d0 \uc788\uc5b4\uc11c, \uc5ec\uc804\ud788 \ub0a8\uc544\uc788\ub2e4.<\/p>\n<p>\uc911\uad6d\uc758 \ub178\ub825\uc740 \uc804\uc138\uacc4 \ub2e4\ub978 \ubcf4\ud5d8\uc0ac\ub4e4\uc5d0\uac8c \uadc0\uc911\ud55c \uad50\ud6c8\uc774 \ub41c\ub2e4. \ud2b9\ud788, \uc911\uad6d \uae30\uc5c5\ub4e4\uc740 \ube45\ub370\uc774\ud130, AI, \ud074\ub77c\uc6b0\ub4dc \ucef4\ud4e8\ud305\uc744 \uc774\uc6a9\ud574 \uace0\uac1d\uc5d0 \ub300\ud55c \uc774\ud574\ub97c \uc99d\uc9c4\ud558\uace0 \uac1c\uc778 \ub9de\ucda4\ud615 \uc0c1\ud488 \ubc0f \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\uba74\uc11c \ud6a8\uc728\uc131\uc744 \uc99d\ub300\ud558\uace0 \uc788\ub2e4. \ub610\ud55c, \uc911\uad6d \uae30\uc5c5\ub4e4\uc740 \ub514\uc9c0\ud138 \uc5ed\ub7c9\uc744 \ud65c\uc6a9\ud574 \uc0c8\ub85c\uc6b4 \uac00\uce58\uc81c\uc548\uacfc \uc6b0\uc218\ud55c \uace0\uac1d\uacbd\ud5d8\uc744 \uc2e4\ud604\ud558\ub294 \uce21\uba74\uc5d0\uc11c \ub2e4\ub978 \uad6d\uac00\ub4e4\uc744 \uc55e\uc9c0\ub974\uace0 \uc788\ub2e4. \ud558\uc9c0\ub9cc, \uc5ec\uc804\ud788 \uc911\uad6d\uc758 \ubbf8\ub798 \uc0dd\uc0b0\uc131 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud558\uae30 \uc704\ud574\uc11c \uc911\uad6d \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc124\uacc4\uc0ac \uc0dd\uc560\uc8fc\uae30 \uad00\ub9ac\uc5d0 \ub354 \ub9ce\uc740 \ub178\ub825\uc744 \uae30\uc6b8\uc5ec\uc57c \ud560 \uac83\uc774\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\"><strong>\uc778\ub3c4- \ud65c\uc131\ud654\uc758 \uae30\ud68c<\/strong><\/span><\/p>\n<p>\uc778\ub3c4\uc5d0\uc11c \ub300\ub9ac\uc810 \ucc44\ub110\uc740 2009\ub144 \uc0c8\ub85c\uc6b4 \uaddc\uc81c\uac00 \ub3c4\uc785\ub418\uc5b4 \uc774\uc804\uc5d0 \ub9e4\ub825\uc801\uc774\uc5c8\ub358 \uc790\uc0b0\uc5f0\uacc4 \ubcf4\ud5d8\uc0c1\ud488\uc5d0 \ub300\ud574 \uc218\uc218\ub8cc\uc5d0 \uc0c1\ud55c\uc120\uc774 \uc124\uc815\ub41c \uc774\ud6c4 \uc5b4\ub824\uc6c0\uc744 \uacaa\uace0 \uc788\ub2e4. \uc124\uacc4\uc0ac \uc18c\ub4dd\uc774 \uae09\ub77d\ud568\uc5d0 \ub530\ub77c, \uc124\uacc4\uc0ac \uc218\uac00 \uc804\uc131\uae30\uc5d0 \ube44\ud574 ~40%\uae4c\uc9c0 \uc904\uc5b4\ub4e4\uc5c8\ub2e4. \ub192\uc740 \uace0\uc815\ube44\uc6a9\uc73c\ub85c \uc778\ud574 \ub300\ub9ac\uc810 \ucc44\ub110\uc740 \ubc29\uce74\uc288\ub791\uc2a4\uc5d0 \ube44\ud574 \ubbfc\uc601 \ubcf4\ud5d8\uc0ac\ub4e4\uc5d0\uac8c \ub9e4\ub825\uc744 \uc783\uac8c \ub410\ub2e4.<\/p>\n<p>\uc778\ub3c4 \ub300\ub9ac\uc810 \ucc44\ub110\uc758 \uc7a5\uae30\uc801\uc778 \uac74\uc804\uc131\uc744 \ud68c\ubcf5\ud558\uae30 \uc704\ud574, \ubcf4\ud5d8\uc0ac\ub4e4\uc5d0\uac8c \uacbd\uc81c\uc801\uc73c\ub85c \ub9e4\ub825\uc801\uc778 \ubc29\ud5a5\uc73c\ub85c, \uc0dd\uc0b0\uc131\uc774 \uad6c\uc870\uc801\uc73c\ub85c \uac1c\uc120\ub418\uc5b4\uc57c \ud55c\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4. \ub610\ud55c, \ubcf4\uc7a5 \uc0c1\ud488\uc73c\ub85c\uc758 \uc9c0\uc18d\uc801\uc778 \uc0c1\ud488 \uad6c\uc131 \ubcc0\ud654\uc640 \ub514\uc9c0\ud138 \uc0dd\uc0b0\uc131 \ud5a5\uc0c1 \ub3c4\uad6c \uc5ed\uc2dc \uc911\uc694\ud55c \uc694\uc18c\uc77c \uac83\uc774\ub2e4.<\/p>\n<p><span style=\"font-size: 12pt;\"><strong>\ubc30\uacbd<\/strong><\/span><\/p>\n<p>1999\ub144\ubd80\ud130 2009\ub144\uae4c\uc9c0 \uc778\ub3c4\uc2dc\uc7a5\uc740, \uc678\uad6d \ubcf4\ud5d8\uc0ac\ub4e4\uc758 \uc601\uc5c5\uc774 \ud5c8\uc6a9\ub41c \uc774\ud6c4 \ud3ed\ubc1c\uc801\uc73c\ub85c \uc131\uc7a5\ud588\ub294\ub370, \ub300\ubd80\ubd84\uc740 \ub300\ub9ac\uc810 \uc778\ub825\uc758 \uc131\uc7a5\uc774 \uc8fc\ub3c4\ub85c \uc774\ub8e8\uc5b4\uc84c\ub2e4. 2010\ub144 \uaddc\uc81c\ubcc0\ud654\ub85c \uc790\uc0b0\uc5f0\uacc4 \uc0c1\ud488\uc758 \uc218\uc218\ub8cc\uc5d0 \uc0c1\ud55c\uc120\uc774 \uc0dd\uae30\uba74\uc11c \ubbfc\uc601 \ubcf4\ud5d8\uc0ac\ub4e4(\uc989, \uc778\ub3c4\uc758 \uad6d\uc601 \uc0dd\uba85\ubcf4\ud5d8\uae30\uc5c5\uc778 LIC(Life Insurance Corporation) \ub97c \uc81c\uc678\ud558\uace0)\uc740 \uc124\uacc4\uc0ac \ucc44\ub110\uc5d0\uc11c \ubc29\uce74\uc288\ub791\uc2a4 \ucc44\ub110\ub85c \ub9ce\uc774 \uc774\ub3d9\ud588\ub2e4.<\/p>\n<p>\ubcf4\uae30 42\uc5d0\uc11c \uc54c \uc218 \uc788\ub4ef\uc774, \uc778\ub3c4\uc758 \uc124\uacc4\uc0ac \uc218\ub294 2009\ub144 \uc808\uc815\uae30\uc5d0 \ube44\ud574 ~40% \uc904\uc5c8\ub2e4. \ucd1d \uc2e0\uacc4\uc57d\ubcf4\ud5d8\ub8cc \uae30\uc900 \ub300\ub9ac\uc810 \ucc44\ub110\uc758 \ube44\uc911\uc740 2010\ub144 80%\uc5d0\uc11c 2018\ub144 66%\ub85c \uc904\uc5b4\ub4e4\uc5c8\ub2e4.<\/p>\n<p><strong>\ubcf4\uae30 42:<\/strong> \ubbfc\uc601 \ubcf4\ud5d8\ud68c\uc0ac-\ub300\ub9ac\uc810 \uc778\ub825\uc758 \uaddc\ubaa8\ub294 2010\ub144 \uaddc\uc81c \ubcc0\ud654 \uc774\ud6c4 \uacc4\uc18d\ud574\uc11c \ucd95\uc18c\ub418\uace0 \uc788\ub2e4.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-928 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81042.png\" alt=\"\" width=\"567\" height=\"334\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81042.png 567w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81042-300x177.png 300w\" sizes=\"auto, (max-width: 567px) 100vw, 567px\" \/><\/p>\n<p>\uc124\uacc4\uc0ac \ucc44\ub110(\ud2b9\ud788 \ubbfc\uc601 \ubcf4\ud5d8\uc0ac\ub4e4\uc758 \uacbd\uc6b0)\uacfc \uad00\ub828\ud55c \uc8fc\ub41c \uc5b4\ub824\uc6c0\ub4e4\uc740 \ub2e4\uc74c\uacfc \uac19\ub2e4.<\/p>\n<p><strong>\ud30c\ud2b8\ud0c0\uc784 \uc124\uacc4\uc0ac\uc758 \ub192\uc740 \ube44\uc911:<\/strong> \ub300\ub2e4\uc218\uc758 \uc124\uacc4\uc0ac\ub4e4\uc774 \ud30c\ud2b8\ud0c0\uc784\uc73c\ub85c \uc77c\ud558\uba70,\u2018\uad6c\uc2dd\u2018 \uc601\uc5c5 \ubc29\uc2dd\uc744 \uc774\uc6a9\ud574, \uc8fc\ub85c \uce5c\uad6c\ub098 \uac00\uc871 \ub4f1 \uce5c\ud55c \uc0ac\ub78c\ub4e4\uc744 \uc911\uc2ec\uc73c\ub85c \uc601\uc5c5\uc744 \ud558\uace0 \uc788\ub2e4. (\uadf8 \uc678\uc758 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \uc601\uc5c5\uc744 \ud558\ub294 \uc124\uacc4\uc0ac\ub4e4\uc740 \uac70\uc758 \uc5c6\ub2e4.)<\/p>\n<p><strong>\ub0ae\uc740 \uc124\uacc4\uc0ac \ud65c\ub3d9\ub960\uacfc \ubcf4\ud5d8\uc0ac\uc758 \ub192\uc740 \uace0\uc815\ube44\uc6a9:<\/strong> \ud65c\ub3d9\uc801\uc778(\ud55c\ub2ec\uc5d0 \ucd5c\uc18c \ud55c \uac1c \uc774\uc0c1\uc758 \uacc4\uc57d\uc744 \ud310\ub9e4) \uc124\uacc4\uc0ac\uc758 \ube44\uc728\uc740 4\ubd84\uc758 1\ub3c4 \ucc44 \uc548\ub420\ubfd0\ub354\ub7ec, \uc778\ub3c4\uc5d0\uc11c \uc124\uacc4\uc0ac \ubcf4\uc218\uc758 \ub300\ubd80\ubd84\uc740 \uae30\ubcf8\uae09\uc73c\ub85c \uad6c\uc131\ub418\uae30 \ub54c\ubb38\uc5d0 \uc774\uc740 \uacb0\uad6d \ubcf4\ud5d8\uc0ac\ub4e4\uc5d0\uac8c \ub192\uc740 \uace0\uc815\ube44\uc6a9 \uad6c\uc870\uac00 \ub41c\ub2e4.<\/p>\n<p><strong>\ubbf8\ud761\ud55c \uc2e4\uc801\uad00\ub9ac:<\/strong> \ub9ce\uc740 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc124\uacc4\uc0ac\ub4e4\uc758 \uc801\uc751\uc2dc\ud0a4\uace0, \uad50\uc721\ud558\uace0, \ud6a8\uacfc\uc801\uc73c\ub85c \uad00\ub9ac\ud558\ub294\ub370 \ud544\uc694\ud55c \uccb4\uacc4\uac00 \ubd80\uc871\ud558\ub2e4. \ub300\ubd80\ubd84\uc758 \uc124\uacc4\uc0ac \uad00\ub9ac\uc790\ub4e4\uc740 \ub2e8\uc9c0 \uc18c\uc218\uc758 \uc124\uacc4\uc0ac\ub4e4\ub9cc\uc744 \uad00\ub9ac\ud558\uace0 \uc788\uc5b4, \uc124\uacc4\uc0ac \ucc44\ub110\uc758 \uace0\ube44\uc6a9 \uad6c\uc870\uc5d0 \uc77c\uc870\ud55c\ub2e4.<\/p>\n<p><strong>\ub370\uc774\ud130 \ubc0f \uae30\uc220\uc758 \uc81c\ud55c\ub41c \uc0ac\uc6a9:<\/strong> \ubcf4\uae30 44\uc5d0\uc11c \uc54c \uc218 \uc788\ub4ef\uc774, \uc778\ub3c4\ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc124\uacc4\uc0ac \ucc44\ub110\uc758 \ub514\uc9c0\ud138 \uae30\uc220 \uc0ac\uc6a9 \uce21\uba74\uc5d0\uc11c \uc911\uad6d \ubcf4\ud5d8\uc0ac\ub4e4\uc5d0 \ube44\ud558\uba74 \uc544\uc9c1 \ucd08\uae30 \ub2e8\uacc4\uc5d0 \uba38\ubb3c\ub7ec \uc788\ub2e4.<\/p>\n<p><strong>\ubcf4\uae30 43:<\/strong> \uc720\ud1b5\ucc44\ub110 \uad6c\uc131 -\ubbfc\uc601 \ub300\ub9ac\uc810 \ucc44\ub110\uc740 2010\ub144 \uc774\ud6c4 \uacc4\uc18d \ucd95\uc18c\ub3fc \uc654\ub2e4.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-929 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81043.png\" alt=\"\" width=\"563\" height=\"415\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81043.png 563w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81043-300x221.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc81043-80x60.png 80w\" sizes=\"auto, (max-width: 563px) 100vw, 563px\" \/><\/p>\n<p><strong>\ubcf4\uae30 44:<\/strong>\u00a0 \uc911\uad6d\uc740 \uace0\uac1d\uc5ec\uc815\uc744 \ub514\uc9c0\ud138\ud654\ud558\uae30 \uc704\ud574 \uc801\uadf9\uc801\uc778 \uc870\uce58\ub97c \ucd94\uc9c4\ud588\uace0, ~80%\uc758 \uc124\uacc4\uc0ac\ub4e4\uc774 \uc601\uc5c5\uad00\ub9ac \ud50c\ub7ab\ud3fc\uc774\ub098 \uc571\uc744 \ud65c\uc6a9\ud574 \ud61c\ud0dd\uc744 \ubcf4\uace0 \uc788\ub2e4.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-932 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-44-1.png\" alt=\"\" width=\"624\" height=\"615\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-44-1.png 624w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-44-1-300x296.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-44-1-426x420.png 426w\" sizes=\"auto, (max-width: 624px) 100vw, 624px\" \/><\/p>\n<p><strong>\ubcf4\uae30 45:<\/strong>\u00a0 \uc778\ub3c4\ub294 \uc124\uacc4\uc0ac\ub4e4\uc5d0\uac8c \ub514\uc9c0\ud138 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\ub294 \uce21\uba74\uc5d0\uc11c \uc911\uad6d\ub9cc\ud07c \ubc1c\ub2ec\ud558\uc9c0 \ubabb\ud588\ub2e4.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-931 aligncenter\" src=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-54.png\" alt=\"\" width=\"652\" height=\"557\" title=\"\" srcset=\"https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-54.png 652w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-54-300x256.png 300w, https:\/\/bcgblog.kr\/wp-content\/uploads\/2020\/01\/\uae00\ub85c\ubc8c-\uc0dd\uba85\ubcf4\ud5d8-\ub300\ub9ac\uc810-54-492x420.png 492w\" sizes=\"auto, (max-width: 652px) 100vw, 652px\" \/><\/p>\n<p><strong>\uc124\uacc4\uc0ac \ucc44\ub110\uc740 \uc804\ub7b5\uc801\uc73c\ub85c \uc911\uc694\ud55c \ucc44\ub110\uc774\ubbc0\ub85c \ubc18\ub4dc\uc2dc \ud601\uc2e0\ud574\uc57c \ud55c\ub2e4.<\/strong><\/p>\n<p>\ucc44\ub110\uc758 \ub2e4\uac01\ud654\ub294 \uc804\ub7b5\uc801\uc73c\ub85c, \ud2b9\ud788 \ubbfc\uc601\ubcf4\ud5d8\uc0ac\uc5d0\uac8c \uc788\uc5b4 \uc911\uc694\ud558\ub2e4. \ubc29\uce74\uc288\ub791\uc2a4 \ucc44\ub110\uc740 \uc624\ud508 \uc544\ud0a4\ud14d\ucc98\uc758 \uacb0\uacfc\ub85c, \uba87\uba87 \ub300\ud615 \ubcf4\ud5d8\uc0ac\ub4e4\uacfc \uc77c\ubd80 \uae30\ud0c0 \ubcf4\ud5d8\uc0ac\ub4e4\uc5d0\uc11c \uc555\ub825\uc744 \ubc1b\uace0 \uc788\uc73c\uba70 \uadf8 \uacbd\uc81c\uc131\uc5d0 \ub300\ud574 \uc758\uc2ec\uc774 \uc81c\uae30\ub420 \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4. \ub2e4\ub978 \ucc44\ub110\ub4e4\uc740 \uac00\uae4c\uc6b4 \ubbf8\ub798\uc5d0 \ucda9\ubd84\ud788 \ud06c\uac8c \uc131\uc7a5\ud560 \uc218 \uc788\uc744 \uac83 \uac19\uc9c0 \uc54a\ub2e4. \uc774\ub7f0 \uc0c1\ud669\uc5d0\uc11c \ub300\ub9ac\uc810\uc740, \uc804\uc18d\ucc44\ub110\ub85c\uc11c, \uc5ec\uc804\ud788 \ubcf4\uae09\ub960\uc774 \ub0ae\uc740 \uc778\ub3c4\uc2dc\uc7a5\uc5d0\uc11c \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc0c1\ub300\uc801\uc73c\ub85c \uac15\ub825\ud55c \ud1b5\uc81c\ub825\uc744 \uac16\uace0 \ud655\uc7a5\ud574 \ub098\uac08 \uc218 \uc788\ub294 \uae30\ud68c\ub97c \uc81c\uacf5\ud574\uc900\ub2e4.<\/p>\n<p><strong>\uc0dd\uc0b0\uc131 \ud5a5\uc0c1(\uc218\uc775 \uce21\uba74\uc5d0\uc11c)- \ucd5c\uc6b0\uc120 \uacfc\uc81c<\/strong><\/p>\n<p>\ubbfc\uc601 \uc0dd\ubcf4\uc0ac\ub4e4\uc740 2010\ub144 \uc774\ud6c4 \uc624\ub7ab\ub3d9\uc548 \uc124\uacc4\uc0ac \ucc44\ub110\uc744 \uad6c\uc870\uc870\uc815\ud558\uace0 \ube44\uc6a9\uc744 \uc904\uc774\uae30 \uc704\ud574 \uc5ec\ub7ec \uac00\uc9c0 \uc870\uce58\ub97c \ucde8\ud588\uc73c\uba70, (\uace0\ube44\uc6a9 \uc9c0\uc810\uc744 \ud3d0\uc1c4\ud558\uace0 \uc601\uc5c5\uc870\uc9c1\uc744 \ub354 \uc5c4\uaca9\ud558\uac8c \uad00\ub9ac\ud558\uac70\ub098 \ube44\uc6a9\uc744 \uc808\uac10\ud558\ub294 \ub4f1) \uc790\uc0b0\uc5f0\uacc4 \uc0c1\ud488\uc774 \uc544\ub2cc \ucabd\uc73c\ub85c \ud3ec\ucee4\uc2a4\ub97c \uc62e\uacbc\ub2e4. \uc774\ub7f0 \uc870\uce58\ub97c \ud1b5\ud574 \ub300\ub9ac\uc810 \ucc44\ub110\uc5d0 \ub300\ud55c \uc555\ub825\uc740 \uc77c\ubd80 \uc904\uc5b4\ub4e4\uc5c8\uc9c0\ub9cc, \uc0dd\uc0b0\uc131\uc744 \ubcf4\ud5d8\uc0ac\ub4e4\uc5d0\uac8c \uacbd\uc81c\uc801\uc73c\ub85c \ub9e4\ub825\uc801\uc778 \ubc29\ud5a5\uc73c\ub85c \uac1c\uc120\uc2dc\ud0a4\ub294 \uac83\uc740 \ub300\ub9ac\uc810 \ucc44\ub110\uc774 \uc9c0\uc18d\uac00\ub2a5\ud558\uace0, \ud655\uc7a5\uac00\ub2a5\ud55c \ucc44\ub110\ub85c \uc790\ub9ac\uc7a1\ub294\ub370 \ud2b9\ud788 \uc911\uc694\ud558\ub2e4.<\/p>\n<p><strong>\ub450 \uac00\uc9c0 \uc6b0\uc120\uc21c\uc704\ub97c \uc911\uc2ec\uc73c\ub85c \ud55c \ub300\ub9ac\uc810 \ud65c\uc131\ud654: \ud575\uc2ec \uc694\uc18c \ud5a5\uc0c1 \ubc0f \ub514\uc9c0\ud138\uacfc \ubd84\uc11d\uae30\uc220 \ud65c\uc6a9<\/strong><\/p>\n<p>\uc778\ub3c4\uc5d0\uc11c, \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uacc4\uc18d\ud574\uc11c \ub2e4\uc591\ud55c \uc218\ub2e8(\uc608\ub97c \ub4e4\uc5b4, \uace0\uc815\ube44\ub97c \ubcc0\ub3d9\ube44\ub85c \ubc14\uafb8\ub294 \uc635\uc158 \ub4f1)\uc744 \uace0\ub824\ud574 \uc124\uacc4\uc0ac \ucc44\ub110\uc758 \uc9c0\uc18d\uac00\ub2a5\uc131\uc744 \uac1c\uc120\ud574\uc57c \ud558\uc9c0\ub9cc, \uc6b0\ub9ac\ub294 \uadf8 \uc911\uc5d0\uc11c\ub3c4 \uc0dd\uc0b0\uc131 \ud5a5\uc0c1\uc744 \ud1b5\ud55c \ucc44\ub110\uc758 \ud65c\uc131\ud654\uac00 \uc804\ub7b5\uc801 \uc6b0\uc120\uc21c\uc704\uac00 \ub418\uc5b4\uc57c \ud55c\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4.<\/p>\n<p>\uc774\ub97c \uc704\ud574\uc11c\ub294 \ub450 \uac00\uc9c0 \uce21\uba74\uc758 \ub300\ucc45\uc774 \ud544\uc694\ud558\ub2e4. \uc124\uacc4\uc0ac \ucc44\uc6a9, \uad50\uc721, \ucc38\uc5ec\ub3c4 \uac1c\uc120 \ubc0f \uac15\ub825\ud55c \uc601\uc5c5 \uad00\ub9ac \ub4f1 <strong>\uc804\ud1b5\uc801\uc778 \uc124\uacc4\uc0ac \uad00\ub9ac \uc218\ub2e8\uc758 \ud5a5\uc0c1\uacfc \ub514\uc9c0\ud138 \ubc0f \ubd84\uc11d\uae30\uc220\uc744 \ubaa8\ub378\uc5d0 \ud1b5\ud569\ud574 \ubcf4\uc644<\/strong>\ud558\ub294 \uac83\uc774\ub2e4. \uc131\uacf5\uc801\uc778 \uc0dd\uba85\ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc774 \ub450 \uac00\uc9c0 \uce21\uba74\uc744 \ubaa8\ub450 \ucd94\uc9c4\ud558\uace0 \uc788\ub2e4.<\/p>\n<p><strong>1. \uc804\ud1b5\uc801\uc778 \uc218\ub2e8\uc758 \ud5a5\uc0c1<\/strong><\/p>\n<p>\uac15\ub825\ud55c \ucc44\uc6a9 \ubc0f \uc628\ubcf4\ub529: \uc6b0\ub9ac\ub294 \uc124\uacc4\uc0ac\uad00\ub9ac\uc790 \ud55c \uba85\ub2f9 \ub354 \ub9ce\uc740 \uc124\uacc4\uc0ac\ub4e4\uc744 \ucc44\uc6a9\ud558\uace0(\ud604\uc7ac \ube44\uc2b7\ud55c \ud504\ub85c\ud544\uc758 \ubcf4\ud5d8\uc0ac\ub4e4\uc5d0\uc11c \uc124\uacc4\uc0ac \uad00\ub9ac\uc790 \ud55c \uba85\ub2f9 \ub2f4\ub2f9\ud558\ub294 \uc124\uacc4\uc0ac\uc758 \uc218\ub294 \uc5f0\uac04 5-10\uba85\uc73c\ub85c \uadf8 \uaca9\ucc28\uac00 \ub9e4\uc6b0 \ud06c\ub2e4.) \uc0dd\uc0b0\uc801\uc778 \uc124\uacc4\uc0ac\uc778 \ube44\uc911\uc774 \ub354 \ub192\uc544\uc9c0\ub294 \uacbd\uc6b0(\uc5ed\uc2dc, \ube44\uc2b7\ud55c \ud504\ub85c\ud544\uc758 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \ud070 \ud3b8\ucc28\ub97c \ubcf4\uc774\uace0 \uc788\ub2e4.)\uc758 \uc7a5\uc810\uc744 \ud655\uc778\ud588\ub2e4. \uc774\ub294 \uc5ec\ub7ec \uac00\uc9c0 \ubc29\uc2dd\uc73c\ub85c \ub2e4\uc2dc \uc0dd\uac01\ud574 \ubcfc \ud544\uc694\uac00 \uc788\ub2e4.<\/p>\n<p>1. \uc7a0\uc7ac\ub825\uc774 \ub192\uc740 \uc124\uacc4\uc0ac \uadf8\ub8f9\uc744 \ud30c\uc545\ud558\uace0 \uadf8\ub4e4\uc744 \ub300\uc0c1\uc73c\ub85c \ub9de\ucda4\ud615 \uac00\uce58 \uc81c\uc548\uc744 \ud558\ub77c: \ud604\uc7ac \ucc44\uc6a9\uc740 \uc124\uacc4\uc0ac \uc218\ub97c \ub298\ub9ac\ub294 \ub370\uc5d0 \uc9d1\uc911\ub418\uc5b4 \uc788\uc5b4 \uacb0\uad6d \ucc44\uc6a9\ub41c \uc124\uacc4\uc0ac\uc758 \uc218\ub294 \ub9ce\uc9c0\ub9cc \ud65c\ub3d9\ub960\uacfc \uc0dd\uc0b0\uc131\uc740 \ub0ae\uc740 \uacb0\uacfc\ub85c \uc774\uc5b4\uc9c4\ub2e4. \ubc1c\uc804\uac00\ub2a5\uc131\uc774 \ub192\uc740 \uc124\uacc4\uc0ac \uadf8\ub8f9\uc744 \ucc3e\uc544\ub0b4\uace0, \uad00\ub9ac\uc790\uc758 KPI\ub97c \uc774 \uc7a0\uc7ac\ub825\uc774 \ub192\uc740 \uadf8\ub8f9\uc744 \ucc44\uc6a9\ud558\ub294 \uac83\uacfc \uc5f0\uacc4\uc2dc\ud0a4\uace0, \ucc44\uc6a9, \uc628\ubcf4\ub529, \ucc38\uc5ec\ub3c4\uc5d0 \ub300\ud574 \ub9de\ucda4\ud615 \uac00\uce58 \uc81c\uc548\uc744 \ud558\ub3c4\ub85d \ud560 \ud544\uc694\uac00 \uc788\ub2e4.<br \/>\n2. \uc601\uc5c5 \uc870\uc9c1 \ub0b4\uc5d0\uc11c \ucc44\uc6a9\uc5d0 \ub354 \ud070 \uc911\uc810\uc744 \ub450\ub77c: \uacbd\ud5d8\uc788\ub294 \uc124\uacc4\uc0ac \uad00\ub9ac\uc790\uc77c\uc218\ub85d \ucc44\uc6a9\uc5d0 \uc9d1\uc911\ud558\uae30 \uc5b4\ub824\uc6cc \ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\ub2e4. \uc6b0\ub9ac\ub294 \uc124\uacc4\uc0ac \uad00\ub9ac\uc790\ub97c \uc704\ud55c \ud6a8\uacfc\uc801\uc73c\ub85c \ub9cc\ub4e4\uc5b4\uc9c4 \uc2e4\uc801 \uc9c0\ud45c\uc640 \uccb4\uacc4\uc801\uc778 \uad50\uc721\uc774 \uc0dd\uc0b0\uc131 \ub192\uc740 \uc124\uacc4\uc0ac\ub4e4\uc758 \ucc44\uc6a9\uc744 \uc99d\ub300\uc2dc\ud0ac \uc218 \uc788\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4. \ub610\ud55c, \uc124\uacc4\uc0ac \uad00\ub9ac\uc790\ub4e4\uc740 \uae30\uc874\uc758 \ub124\ud2b8\uc6cc\ud06c\ub97c \uc774\uc6a9\ud558\uace0 \ud30c\ud2b8\ub108\uc2ed\uacfc \uc628\ub77c\uc778\ucc44\uc6a9\uc744 \ud1b5\ud574 \ubaa9\ud45c \ud480\uc744 \ud655\uc7a5\ud560 \uc218\ub3c4 \uc788\ub2e4.<br \/>\n3. \uad50\uc721\uacfc \ucc38\uc5ec \uc804\ub7b5\uc744 \ud1b5\ud574 \ud65c\ub3d9\ub960\uc744 \ub192\uc774\uace0 \uc0dd\uc0b0\uc131\uc744 \ud5a5\uc0c1\uc2dc\ucf1c\ub77c: \uc774 \uad50\uc721\uc740 \uc124\uacc4\uc0ac\uc640 \uc124\uacc4\uc0ac\uad00\ub9ac\uc790 \ubaa8\ub450\ub97c \ub300\uc0c1\uc73c\ub85c \ud55c\ub2e4. \uc774 \uac19\uc740 \ub178\ub825\uc758 \uc77c\ud658\uc73c\ub85c \uc778\ub3c4\uc5d0\uc11c \uc124\uacc4\uc0ac\ub4e4\uc744 \ub300\uc0c1\uc73c\ub85c \uc2e4\uc2dc\ud55c \uc11c\ubca0\uc774\uc5d0 \ub530\ub974\uba74, ~60%\uc758 \uc124\uacc4\uc0ac\ub4e4\uc740 \ucd94\uac00\uc801\uc778 \uad50\uc721 \uc9c0\uc6d0\uc744 \uc6d0\ud55c\ub2e4\uace0 \ub2f5\ud588\ub2e4. \uc778\ub3c4\uc5d0\uc11c \uc77c\ubd80 \ubcf4\ud5d8\uc0ac\ub4e4\uc758 \uacbd\ud5d8\uc5d0 \ub530\ub974\uba74, \uc9c0\uc810\ubcc4 \ud504\ub85c\uadf8\ub7a8\uacfc \ub514\uc9c0\ud138 \ub3c4\uad6c\ub97c \ud65c\uc6a9\ud574 \uc81c\ub300\ub85c \uad6c\uc131\ub41c \ucc38\uc5ec \ubc0f \uad50\uc721 \ud504\ub85c\uadf8\ub7a8\uc740 \uc124\uacc4\uc0ac \ucc38\uc5ec\ub3c4(\uc2e0\uaddc \ucc44\uc6a9\uc124\uacc4\uc0ac \ubc0f \ucc44\uc6a9\ucd08\uae30 \uc124\uacc4\uc0ac \ubaa8\ub450\uc5d0 \ub300\ud574)\ub97c \uac1c\uc120\uc2dc\ud0a4\uace0, \uace0\ub9c8\uc9c4 \uc0c1\ud488\uc758 \ub9e4\ucd9c\uc744 \uc99d\ub300\uc2dc\ud0a4\uba70, \uc124\uacc4\uc0ac \uc0dd\uc0b0\uc131 \ud5a5\uc0c1\uc73c\ub85c \uc774\uc5b4\uc9c8 \uc218 \uc788\ub2e4.<br \/>\n4. \uc0c1\ud488 \uad6c\uc131 \ucd5c\uc801\ud654 \ubc0f \uc194\ub8e8\uc158 \uc911\uc810 \uc811\uadfc\uc744 \ucd94\uc9c4\ud558\ub77c: \ub300\ub9ac\uc810 \ucc44\ub110\uc758 \ub192\uc740 \uace0\uc815\ube44\uc6a9\uc744 \uace0\ub824\ud558\uba74, \uc0c1\ud488\uad6c\uc131\uc744 \ucd5c\uc801\ud654\ud574 \ubc14\ub78c\uc9c1\ud55c \uc2e0\uacc4\uc57d \ub9c8\uc9c4\uc744 \uc2e4\ud604\ud558\ub294 \uac83\uc774 \uc911\uc694\ud558\ub2e4. \uace0\ub9c8\uc9c4 \ubcf4\uc7a5\uc131\uc0c1\ud488\uc758 \ube44\uc911\uc744 10% \uc774\uc0c1\uc73c\ub85c \ub192\uc778 \uc77c\ubd80 \uae30\uc5c5\ub4e4\uc740 \ub2e4\uc591\ud55c \uc218\ub2e8\uc744 \ud1b5\ud574 \uc774\ub97c \ub2ec\uc131\ud588\ub2e4. (\uc608\ub97c \ub4e4\uc5b4, \uc0c1\ud488\uc2e0\uc6a9, \ubcf4\uc0c1 \ubc0f \uc218\uc0c1 \uc790\uaca9\uc870\uac74, \uad50\uc721 \ub4f1)<br \/>\n5. \ud45c\uc900 \uc0dd\uba85\ubcf4\ud5d8 \uc0c1\ud488\uc5d0\uc11c \ub098\uc544\uac00, \uc124\uacc4\uc0ac\ub4e4\uc740 \uc7a5\uae30\uc801\uc73c\ub85c(\uc801\uc5b4\ub3c4 \uc77c\ubd80 \uc138\uadf8\uba3c\ud2b8\uc5d0 \ub300\ud574) \ubcc0\ud654\ud558\ub294 \uace0\uac1d \ub2c8\uc988\ub97c \ubcf4\ub2e4 \ucd1d\uccb4\uc801\uc73c\ub85c \ud574\uacb0\ud574\uc57c \ud560 \uac83\uc774\ub2e4. \ub2e4\ub978 \uc2dc\uc7a5\uc5d0\uc11c \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc81c\uacf5\ud558\ub294 \uc0c1\ud488 \ubc0f \uc11c\ube44\uc2a4\ub294 \uc800\ucd95, \uac74\uac15, \uc6f0\ube59 \uc194\ub8e8\uc158\uc744 \ud3ec\ud568\ud558\ub294 \ubc29\ud5a5\uc73c\ub85c \uc9c4\ud654\ud558\uace0 \uc788\ub2e4. \uc608\ub97c \ub4e4\uc5b4, AIA (\uc704\ub2e5\ud130(WeDoctor)\ub97c \ud1b5\ud574)\ub294 \ubcf4\ud5d8\uacc4\uc57d\uc790\ub4e4\uc5d0\uac8c \ud601\uc2e0\uc801\uc778 \ubaa8\ubc14\uc77c \uac74\uac15 \ubc0f \uc6f0\ube59 \uc194\ub8e8\uc158\uc744 \uc81c\uacf5\ud558\uace0 \uc788\ub2e4. \uc774\ub97c \ud1b5\ud574 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uace0\uac1d\ub4e4\uc744 \ub300\uc0c1\uc73c\ub85c \ubd80\uac00\uac00\uce58\ucc3d\ucd9c\ud65c\ub3d9\uc744 \ub354\uc6b1 \uc790\uc8fc \ud560 \uc218 \uc788\uac8c \ub418\uc5b4 \uace0\uac1d\uad00\uacc4\ub97c \uac15\ud654\ud558\uace0 \ub2e4\ub978 \uc0c1\ud488\uacfc\uc758 \ud06c\ub85c\uc2a4\uc140\ub9c1 \ubc0f \uc5c5\uc140\ub9c1\ub3c4 \uac00\ub2a5\ud574\uc9c4\ub2e4.<\/p>\n<p><strong>2. \uc804\ud1b5\uc801\uc778 \uc218\ub2e8\uc744 \ub514\uc9c0\ud138 \ubc0f \ubd84\uc11d\uae30\uc220\uacfc\uc758 \ud1b5\ud569\uc73c\ub85c \ubcf4\uc644<\/strong><\/p>\n<p>\uc911\uad6d \ubcf4\ud5d8\uc0ac\ub4e4(\ud3c9\uc548\ubcf4\ud5d8 \ub4f1)\uc740 \ub300\ub9ac\uc810 \ucc44\ub110\uc5d0 \uae30\uc220 \ubc0f \ubd84\uc11d\uae30\uc220\uc744 \ud655\uc7a5 \ub3c4\uc785\ud574 \uae09\uc131\uc7a5\uc744 \ub2ec\uc131\ud558\uace0 \uc124\uacc4\uc0ac \uc0dd\uc0b0\uc131\uc744 \ud5a5\uc0c1\uc2dc\ucf30\ub2e4. \ubcf8 \ubcf4\uace0\uc11c\uc758 \uc55e\ubd80\ubd84\uc5d0\uc11c \uc0c1\uc220\ud55c \ubc14\uc640 \uac19\uc774, \ud3c9\uc548\ubcf4\ud5d8\uc740 \uae30\uc220\uc744 \uc774\uc6a9\ud574 \ucc44\uc6a9\uacfc\uc815\uc744 \uc7ac\ud3b8\ud558\uace0, \uc124\uacc4\uc0ac \uc5ed\ub7c9 \uac1c\ubc1c\uc744 \uac00\uc18d\ud654\ud558\uace0, \uc124\uacc4\uc0ac \uad00\ub9ac\ub97c \uac1c\uc120\ud558\uace0 \uace0\uac1d\uacfc\uc758 \ud6a8\uacfc\uc801\uc778 \uc0c1\ud638\uc791\uc6a9\uc744 \uac00\ub2a5\ud558\uac8c \ud568\uc73c\ub85c\uc368, \uc124\uacc4\uc0ac \ud55c \uba85\ub2f9 \ubcf4\ud5d8\ub8cc\ub97c 30% \uc774\uc0c1 \uc99d\uac00\uc2dc\ucf30\ub2e4. \uc911\uad6d\uc5d0\uc11c\uc758 \uacbd\ud5d8\uc740 \uc778\ub3c4\uc0dd\ubcf4\uc0ac\ub4e4\uc774 \uc0dd\uc0b0\uc131\uc744 \ud5a5\uc0c1\uc2dc\ud0a4\uace0 \uc9c0\uc18d\uac00\ub2a5\ud55c \ub300\ub9ac\uc810 \ucc44\ub110\uc744 \ud655\ub300 \ubc1c\uc804\uc2dc\ud0a4\uace0\uc790 \ud558\ub294 \ubaa9\ud45c\ub97c \uc2e4\ud604\ud558\ub294 \ub370 \uc788\uc5b4\uc11c \uc720\uc6a9\ud55c \uad50\ud6c8\uc774 \ub41c\ub2e4.<\/p>\n<p>\uc778\ub3c4\uc758 \ubcf4\ud5d8\uc0ac\ub4e4\uc5d0\uac8c, \uc778\uc801 \ub178\ub825\uc744 \ub514\uc9c0\ud138\uacfc \ubd84\uc11d\uae30\uc220\uc758 \ud798\uc73c\ub85c \ubcf4\uc644\ud558\ub294 \ud63c\ud569\ubaa8\ub378\uc740 \uc911\uc694\ud55c \uc804\ub7b5\uc801 \uc6b0\uc120\uc21c\uc704\uc774\ub2e4. \uc0dd\uc0b0\uc131 \ud5a5\uc0c1\uc5d0 \ub3c4\uc6c0\uc774 \ub420 \ubfd0 \uc544\ub2c8\ub77c \ub514\uc9c0\ud138\uc5d0 \ub2a5\uc219\ud55c \uc124\uacc4\uc0ac \ud480\uc744 \ub9cc\ub4e4\uae30 \uc704\ud574 \uc124\ub4dd\ub825 \uc788\ub294 \uadfc\uac70\uac00 \ub420 \uc218 \uc788\ub2e4.<\/p>\n<p><span style=\"font-size: 12pt;\"><strong>\uac00\uce58 \uc0ac\uc2ac \uc804\uccb4\uc5d0 \ub514\uc9c0\ud138 \ud65c\uc6a9<\/strong><\/span><\/p>\n<p>\uc54c\ud30c\uc640\uc774\uc988(AlphaWise)\uc11c\ubca0\uc774\uc5d0 \ub530\ub974\uba74, \uc778\ub3c4 \uc124\uacc4\uc0ac\uc758 80%\uc774\uc0c1\uc774 \ubbf8\ub798\uc758 \uacbd\uc7c1\ub825\uc744 \uc81c\uace0\ud558\uae30 \uc704\ud574 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uac1c\ubc1c\ud55c \uae30\uc220 \uc194\ub8e8\uc158\uc744 \ub3c4\uc785\ud558\ub294 \uac83\uc5d0 \uad00\uc2ec\uc744 \ubcf4\uc600\ub2e4. \uc5ec\uae30\uc5d0\ub294 \ubcf4\ud5d8\uc0ac\uac00 \uc81c\uacf5\ud558\ub294 \ub514\uc9c0\ud138 \uc601\uc5c5 \uad00\ub9ac \ub3c4\uad6c\uc640 \uc628\ub77c\uc778\uc5d0\uc11c\uc758 \uc785\uc9c0\ub97c \ud655\uc2e4\ud788 \ud558\uae30 \uc704\ud55c \ub3c4\uad6c(\uc18c\uc15c \ub124\ud2b8\uc6cc\ud06c\uc5d0\uc11c\uc758 \ub9c8\ucf00\ud305 \ub4f1) \ub4f1\uc774 \ud3ec\ud568\ub41c\ub2e4. \uc778\ub3c4 \uc0dd\uba85\ubcf4\ud5d8\uc0ac\ub4e4\uc758 \ub514\uc9c0\ud138 \uc2e4\ud589\uc744 \uc704\ud574\uc11c\ub294 \ub2e4\uc74c\uc758 \ub178\ub825\uc774 \ud544\uc694\ud558\ub2e4.<\/p>\n<p>1. \uccad\uc57d \ud504\ub85c\uc138\uc2a4\uc758 \ub514\uc9c0\ud138\ud654\ub97c \ub118\uc5b4\uc11c\uc11c \ucc44\uc6a9, \uad50\uc721, \uc601\uc5c5 \uc0ac\uc804\ud65c\ub3d9(\uace0\uac1d \uacb0\uc815\uc5d0 \ub3c4\uc6c0\uc774 \ub418\uc5b4 \uc804\ud658\ub960\uc744 \ub192\uc774\ub294 \ub514\uc9c0\ud138 \uc77c\ub7ec\uc2a4\ud2b8\ub808\uc774\uc158 \ub4f1) \ubc0f \uc0ac\ud6c4\ud65c\ub3d9\uc5d0 \uc774\ub974\uae30\uae4c\uc9c0 \uc804\uccb4 \uac00\uce58 \uc0ac\uc2ac\uc758 \ub354 \ub9ce\uc740 \uc694\uc18c\ub4e4\uc744 \ubaa9\ud45c\ub85c \ud558\ub77c.<br \/>\n2. \ub514\uc9c0\ud138 \ub3c4\uad6c\ub97c \ud65c\uc6a9\ud574 \uc124\uacc4\uc0ac \uad50\uc721\uacfc \ucc38\uc5ec\uc728 \uc99d\uc9c4\uc5d0 \uc9d1\uc911\ud558\ub77c. \ubd84\uc11d\uae30\uc220\uc744 \uae30\ubc18\uc73c\ub85c \uad50\uc721 \ucee8\ud150\uce20\uc640 \uc601\uc5c5 \ud65c\ub3d9\uc744 \uac15\ud654\uc2dc\ud0a4\uba74 \ucc38\uc5ec\uc728\uc744 \ub354\uc6b1 \uac1c\uc120\uc2dc\ucf1c \ud65c\ub3d9\ub960\uacfc \uc0dd\uc0b0\uc131\uc744 \uc99d\ub300\uc2dc\ud0ac \uc218 \uc788\ub2e4. \uc778\ub3c4\uc5d0\uc11c \uba87\uba87 \uc120\ub3c4 \uc0dd\uba85\ubcf4\ud5d8\uc0ac\ub4e4\uc740 \ub514\uc9c0\ud138\uc744 \uc774\uc6a9\ud55c \uc138\uadf8\uba3c\ud2b8\ubcc4 \uad50\uc721 \ud65c\ub3d9\uc744 \ubaa8\ubc14\uc77c \uae30\ubc18 \ub3c4\uad6c\ub97c \ud65c\uc6a9\ud574 \uc2e4\ud589\uc911\uc774\uba70, \ub300\uba74 \uad50\uc721\uc744 \ubcf4\uc644\ud574 \uc124\uacc4\uc0ac\ub4e4\uc758 \ucc38\uc5ec\ub3c4\ub97c \uac15\ud654\ud558\uace0 \uc788\ub2e4.<br \/>\n3. \uc124\uacc4\uc0ac \ubfd0 \uc544\ub2c8\ub77c \ub300\ub9ac\uc810 \uad00\ub9ac\uc790\ub4e4\uacfc \uc601\uc5c5\uc870\uc9c1\ub3c4 \ud3ec\ud568\ud558\ub77c. \ubbf8\ub4e4\uc624\ud53c\uc2a4\uc640 \ubc31\uc624\ud53c\uc2a4 \uae30\ub2a5\uc744 \ub514\uc9c0\ud138\ud654\ud558\ub294 \uac83\uc740 \uc124\uacc4\uc0ac\uac00 \ud589\uc815\ud65c\ub3d9\uc5d0 \uc4f0\ub294 \uc2dc\uac04\uc744 \ub2e8\ucd95\uc2dc\ucf1c \uc124\uacc4\uc0ac\ub4e4\uc774 \uace0\uac1d\ub4e4\uacfc\uc758 \uc0c1\ud638\uc791\uc6a9\uc5d0 \ub354\uc6b1 \uc9d1\uc911\ud560 \uc218 \uc788\ub3c4\ub85d \ud574 \uc900\ub2e4.<br \/>\n4. \uae30\uc220 \uac1c\ubc1c \ub9cc\ud07c \uae30\uc220 \ub3c4\uc785\uc744 \uc911\uc694\ud558\uac8c \ucde8\uae09\ud558\ub77c. \uae30\uc220\ub3c4\uc785\uc740 \ubcf4\ud1b5 \uac04\uacfc\ub418\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc73c\uba70, \uc774\ub97c \uac1c\uc120\ud558\uae30 \uc704\ud574\uc11c\ub294 \ub2e4\uc74c\uc774 \ud544\uc694\ud558\ub2e4.<\/p>\n<p><strong>\u2022\u00a0<\/strong> \ub514\uc9c0\ud138 \ub3c4\uad6c\uc640 \uc124\uacc4\uc0ac\/\uc9c1\uc6d0 \uc5ec\uc815\uc744 \ubcf4\ub2e4 \uc9c1\uad00\uc801\uc778 \uc0ac\uc6a9\uc790 \uacbd\ud5d8\uc774 \uac00\ub2a5\ud558\ub3c4\ub85d \uc124\uacc4.<br \/>\n<strong>\u2022\u00a0<\/strong> \ub9ce\uc740 \uc218\uc758 \uc571\uacfc \uc194\ub8e8\uc158\ubcf4\ub2e4\ub294 \uc6b0\uc120\uc21c\uc704\uac00 \ub192\uc740 \uc194\ub8e8\uc158\uc5d0 \uc9d1\uc911\ud558\ub294 \ud1b5\ud569\ub41c \uc2dc\uc7a5\ucd9c\uc2dc \uc811\uadfc\ubc29\uc2dd.<br \/>\n<strong>\u2022\u00a0<\/strong> \uac8c\uc784\ud654, \uc778\uc13c\ud2f0\ube0c, \uac80\ud1a0\ub97c \ud1b5\ud574 \ub3c4\uc785\uc744 \ud655\ub300\ud558\uae30 \uc704\ud55c \uba85\ud655\ud55c \uacc4\ud68d.<\/p>\n<p><strong>\ub370\uc774\ud130\uc640 \ubd84\uc11d\uae30\uc220\uc744 \ucc44\ub110\uc5d0 \ub0b4\uc7ac\ud654: \ubd84<\/strong>\uc11d\uae30\uc220\uc758 \uc774\uc6a9\uc740 \uc0b0\ubc1c\uc801\uc73c\ub85c \uba87\uba87 \uc0ac\uc6a9\uc0ac\ub840 (\uace0\uac1d\uc720\uc9c0\uc804\ub7b5 \ub4f1) \uc5d0 \ub300\ud574 \uc81c\ud55c\uc801\uc73c\ub85c \uc801\uc6a9\ub410\ub2e4. \uadf8\ub7ec\ub098, \ub9c9\ub300\ud55c \uac00\uc6a9\ub370\uc774\ud130(\ub0b4\ubd80 \ubc0f \uc678\ubd80 \ucd9c\ucc98\ub97c \ud1b5\ud574)\ub97c \ud65c\uc6a9\ud558\uba74, \ubd84\uc11d\uae30\uc220 \ud504\ub85c\uadf8\ub7a8\uc740 \ub300\ub9ac\uc810 \ucc44\ub110\uc5d0 \uc911\ub300\ud55c \uc601\ud5a5\uc744 \ubbf8\uce58\uace0, \uc55e\uc73c\ub85c\uc758 \uc804\ub7b5\uc5d0 \ud575\uc2ec\uc801\uc778 \uc5ed\ud560\uc744 \ud560 \uc218 \uc788\ub2e4. \uc911\uad6d \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc131\uacf5\uc801\uc73c\ub85c \ubd84\uc11d\uae30\uc220\uc744 \ub300\ub9ac\uc810\ubaa8\ub378\uc5d0 \ud1b5\ud569\ud574 \uc654\ub2e4. \uc608\ub97c \ub4e4\uc5b4, CPIC\ub294 \ubc29\ub300\ud55c CPIC \uace0\uac1d \ub370\uc774\ud130\uc640 \uba38\uc2e0\ub7ec\ub2dd \ubaa8\ub378\uc744 \uc774\uc6a9\ud574 \ubcf4\uc7a5 \uaca9\ucc28\ub97c \ud655\uc778\ud558\uace0 \uac1c\uc778\ub9de\ucda4\ud615 \ubcf4\ud5d8 \uc0c1\ud488\uc744 \ub9cc\ub4e4 \uc218 \uc788\ub294 \uc9c0\ub2a5\ud615 \uc5b4\ub4dc\ubc14\uc774\uc800 \uc0c1\ud488(\uc54c\ud30c\ubcf4\ud5d8(Alfa Insurance))\uc744 \ucd9c\uc2dc\ud588\ub2e4.<\/p>\n<p>\uc778\ub3c4 \uc0dd\uba85\ubcf4\ud5d8\uc0ac\ub4e4\uc5d0\uac8c, \ubd84\uc11d\uae30\uc220\uc744 \ud1b5\ud574 \uac00\uce58\ub97c \uc2e4\ud604\ud558\uae30 \uc704\ud574\uc11c\ub294 \ub2e4\uc74c\uc774 \ud544\uc218\uc801\uc774\ub2e4.<\/p>\n<p><strong>A. \uc6b0\uc120\uc21c\uc704\uacb0\uc815 \ubc0f \uace0\uac00\uce58 \uc0ac\uc6a9\uc0ac\ub840\uc758 \uc131\uacf5\uc801\uc778 \uc2e4\ud589<\/strong>\uc744 \ud1b5\ud574 \uc870\uc9c1 \ub0b4\uc5d0\uc11c \uac1c\ub150\uc99d\uba85\uc744 \ud655\uc7a5 \uc218\ub9bd\ud574\uc57c \ud55c\ub2e4. \uc774\ub7f0 \uc0ac\uc6a9\uc0ac\ub840\uac00 \uac00\uce58 \uc0ac\uc2ac \uc804\uccb4\ub85c \ud655\uc0b0\ub418\uace0 \uadf8 \ub0b4\uc6a9\uc740 \ub2e4\uc74c\uacfc \uac19\ub2e4.<\/p>\n<p><strong>\u2022\u00a0<\/strong>\ucc44\uc6a9: \ubd84\uc11d\uae30\uc220\uc744 \uc774\uc6a9\ud574 \uc7a0\uc7ac\ub825\uc774 \ub192\uc740 \uc124\uacc4\uc0ac\ub97c \ud30c\uc545\ud568<br \/>\n<strong>\u2022 <\/strong>\ud06c\ub85c\uc2a4\uc140\ub9c1\uacfc \uc5c5\uc140\ub9c1 \ucd94\ucc9c\uc73c\ub85c \uc124\uacc4\uc0ac\ub4e4\uc774 \ud5a5\ud6c4 \ud310\ub9e4\ub178\ub825\uc758 \uc6b0\uc120\uc21c\uc704\ub97c \uacb0\uc815\ud558\uace0 \uc804\ud658\ub960\uc744 \ub192\uc774\ub294\ub370 \ub3c4\uc6c0\uc774 \ub428<br \/>\n<strong>\u2022\u00a0<\/strong>\uc124\uacc4\uc0ac \uc774\ud0c8 \uc608\uce21\uc744 \ud1b5\ud574 \ub9ac\uc2a4\ud06c\uac00 \ub192\uc740 \uc124\uacc4\uc0ac\ub97c \ud30c\uc545\ud568\uc73c\ub85c\uc368 \ucd08\uae30 \uba87 \uac1c\uc6d4 \ud6c4 \ud65c\ub3d9\ub960\uc758 \uc790\uc5f0\uc801 \ud558\ub77d\uc744 \uac10\uc18c\uc2dc\ud0b4<br \/>\n<strong>\u2022<\/strong>\u00a0\uc2e4\uc801\uc5d0 \ub300\ud55c \uac1c\uc778\ub9de\ucda4\ud615 \ub3d9\uae30\ubd80\uc5ec\ub97c \ud1b5\ud574 \uc601\uc5c5 \uc870\uc9c1\uc758 \uc0ac\uae30\ub97c \uc9c4\uc791\ud558\uace0 \ud6a8\uc728\uc801\uc73c\ub85c \uc2e4\uc801\uc744 \ud5a5\uc0c1\uc2dc\ud0b4<\/p>\n<p><strong>B. \ubaa8\ub378\ub9c1\uc744 \ub118\uc5b4\uc11c \uc2e4\ud589 \uac15\ud654:<\/strong> \ucca0\uc800\ud55c \ud604\uc7a5\uc758 \uc2e4\ud589\uc774 \uc885\uc885 \uac04\uacfc\ub418\ub294\ub370 \uac00\uce58\ucc3d\ucd9c\uc758 \ub9ce\uc740 \ubd80\ubd84\uc774 \uc2e4\uc81c\ub85c \uc774\ub97c \uccb4\uacc4\uc801\uc73c\ub85c \ucd94\uc9c4\ud558\ub294 \uac83\uc5d0 \uc88c\uc6b0\ub41c\ub2e4.<\/p>\n<h3><span style=\"font-size: 18pt;\"><strong>\uc8fc\uc694 \uc2dc\uc0ac\uc810<\/strong><\/span><\/h3>\n<p>\uc804\ud1b5\uc801\uc778 \uc694\uc18c\ub4e4\uc744 \uac1c\uc120\uc2dc\ud0a4\uace0 \ub514\uc9c0\ud138 \ubc0f \ubd84\uc11d\uae30\uc220\uacfc \uacb0\ud569\ud558\uba74 \uc778\ub3c4\uc758 \ub300\ub9ac\uc810 \ucc44\ub110\uc740 \uc9c0\uc18d\uac00\ub2a5\ud55c \uc131\uc7a5\uc758 \ubc1c\ud310\uc744 \ub9cc\ub4dc\ub294 \ub370 \ud544\uc218\uc801\uc778 \ucd94\uc9c4\ub825\uc744 \uc5bb\uc744 \uc218 \uc788\uc744 \uac83\uc774\ub2e4. \ub9ce\uc740 \uc218\uc758 \ube44 \ud65c\ub3d9 \uc124\uacc4\uc0ac\ub4e4\uc744 \uccb4\uacc4\uc801\uc778 \ucc38\uc5ec\uc99d\uc9c4\uacfc \uc2a4\ud0ac\ud5a5\uc0c1\uc744 \ud1b5\ud574 \ud65c\ub3d9\ud654\uc2dc\ud0a4\ub294 \uac83\uacfc \ub354\ubd88\uc5b4 \uc6b0\uc218\ud55c \uc124\uacc4\uc0ac\ub4e4\uc744 \ucc44\uc6a9\ud568\uc73c\ub85c\uc368 \ub300\ub9ac\uc810 \uad00\ub9ac\uc790 \ud55c \uba85\ub2f9 \ud65c\ub3d9 \uc124\uacc4\uc0ac\uc758 \uc218\ub97c \ub300\ud3ed \uac1c\uc120\uc2dc\ud0ac \uc218 \uc788\uc744 \uac83\uc774\ub2e4. \ub610\ud55c, \uc124\uacc4\uc0ac \uc0dd\uc0b0\uc131\uc744 \uc99d\uac00\uc2dc\ucf1c \ub300\ub9ac\uc810 \ucc44\ub110\uc758 \ucd94\uac00\uc801\uc778 \uc131\uc7a5\uc5d0\ub3c4 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\ub2e4. \uace0\ub9c8\uc9c4 \uc0c1\ud488\uc758 \ube44\uc911\uc744 \ub298\ub9b0\ub2e4\uba74 \ucd94\uac00\uc801\uc778 \uc131\uc7a5\uc758 \uac00\ub2a5\uc131\uc774 \ub354\uc6b1 \ub192\uc544\uc9c8 \uac83\uc774\ub2e4. \uc6b0\ub9ac\ub294 \uc804\ubc18\uc801\uc73c\ub85c \uc774 \uac19\uc740 \ub300\ucc45\uc744 \uc2dc\ud589\ud55c \ud6c4 12\uac1c\uc6d4 \ub0b4\ub85c \ub300\ub9ac\uc810 \ucc44\ub110\uc774 \ud65c\uc131\ud654\ub418\uc5b4 \ub300\ub9ac\uc810 \uad00\ub9ac\uc790\uc758 \uc0dd\uc0b0\uc131\uc774 25-30% \uc774\uc0c1(\uace0\ub9c8\uc9c4 \uc0c1\ud488\uc758 \ube44\uc911\uc774 \ub298\uc5b4\ub09c \ud6a8\uacfc \uc5ed\uc2dc \uace0\ub824\ud574) \uac1c\uc120\ub420 \uc218 \uc788\uc744 \uac83\uc774\ub77c\uace0 \uc0dd\uac01\ud55c\ub2e4. \ubfd0\ub9cc \uc544\ub2c8\ub77c, \uc9c0\uc18d\uc801\uc778 \uc0dd\uc0b0\uc131 \ud5a5\uc0c1\uacfc \uc218\uc775\uc131 \uc788\ub294 \uc131\uc7a5\uc758 \ud1a0\ub300\ub97c \ub9c8\ub828\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub420 \uac83\uc774\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uac70\uc758 \ud55c \uc138\uae30 \ub3d9\uc548 \uac00\uce58\uc0ac\uc2ac\uc5d0\uc11c \uc720\ud1b5\uc790\uc758 \uc5ed\ud560\uc774 \uc81c\ub300\ub85c \ud601\uc2e0\ub418\uc9c0 \ubabb\ud588\ub358, \ubbf8\uad6d \uc0dd\uba85 \ubcf4\ud5d8 \ubc0f \uc5f0\uae08 \uc0c1\ud488\uc758 \uc18c\ub9e4 \uc720\ud1b5\uc740 \ud604\uc7ac \uc911\ub300\ud55c \ubcc0\ud654\uc758 \uae30\ub85c\uc5d0 \ub193\uc5ec \uc788\ub2e4. \ub9ce\uc740 \uae30\uc5c5\ub4e4\uc774 \ud22c\uc790\ub97c \uc99d\ub300\ud558\uae30 \uc2dc\uc791\ud558\uace0 \uc788\ub294 \uc640\uc911\uc5d0, \ud2c8\uc0c8\ub97c \ub178\ub9b0 \ud601\uc2e0\uac00\ub4e4(\ubc18\uc751\uc774 \ub354 \ubbfc\ucca9\ud55c)\uc774\ub098 \uaddc\ubaa8\uac00 \ud070 \ubcf4\ud5d8\uc0ac\ub4e4(\uc7ac\ub7c9 \ud22c\uc790\uc608\uc0b0\uc774 \ub354 \ud070)\uc774 \uae09\ubcc0\ud558\ub294 \uc2dc\uc7a5\uc5d0\uc11c \uc2b9\uc790\uac00 \ub420 \uac83\uc73c\ub85c \uc608\uc0c1\ub41c\ub2e4.<\/p>\n","protected":false},"author":1,"featured_media":879,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[32],"tags":[],"class_list":{"0":"post-878","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-industry"},"_links":{"self":[{"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/posts\/878","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=878"}],"version-history":[{"count":10,"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/posts\/878\/revisions"}],"predecessor-version":[{"id":1163,"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/posts\/878\/revisions\/1163"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/media\/879"}],"wp:attachment":[{"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/media?parent=878"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/categories?post=878"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bcgblog.kr\/wp-json\/wp\/v2\/tags?post=878"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}