{"id":2539,"date":"2024-01-28T16:08:34","date_gmt":"2024-01-28T07:08:34","guid":{"rendered":"https:\/\/pparkmjblog.co.kr\/?p=2539"},"modified":"2024-02-07T15:43:10","modified_gmt":"2024-02-07T06:43:10","slug":"%eb%a1%af%eb%8d%b0-%ec%ba%90%ed%94%bc%ed%83%88-%ec%97%98%eb%a1%a0-%eb%ac%b4%ec%a7%81%ec%9e%90%eb%8c%80%ec%b6%9c-%ed%95%9c%eb%8f%84-%ea%b8%88%eb%a6%ac-%ea%b0%80%ec%9e%85%ec%a1%b0%ea%b1%b4-%ed%9b%84","status":"publish","type":"post","link":"https:\/\/pparkmjblog.co.kr\/%eb%a1%af%eb%8d%b0-%ec%ba%90%ed%94%bc%ed%83%88-%ec%97%98%eb%a1%a0-%eb%ac%b4%ec%a7%81%ec%9e%90%eb%8c%80%ec%b6%9c-%ed%95%9c%eb%8f%84-%ea%b8%88%eb%a6%ac-%ea%b0%80%ec%9e%85%ec%a1%b0%ea%b1%b4-%ed%9b%84\/","title":{"rendered":"\ub86f\ub370 \uce90\ud53c\ud0c8 \uc5d8\ub860 \ubb34\uc9c1\uc790\ub300\ucd9c \ud55c\ub3c4 \uae08\ub9ac \uac00\uc785\uc870\uac74 \ud6c4\uae30 \uc7a5\ub2e8\uc810 \ubd80\uacb0\uc2dc \ub300\uccb4\uc0c1\ud488 \uc0c1\uc138\uc815\ub9ac"},"content":{"rendered":"\n<p>\uc560\ud50c\ub860 \ubb34\uc9c1\uc790 \ub300\ucd9c\uc5d0 \uc774\uc5b4 \uc81c2\uae08\uc735\uad8c \ub86f\ub370\uce90\ud53c\ud0c8 \uc5d8\ub860 \ubb34\uc9c1\uc790\ub300\ucd9c\uc5d0 \ub300\ud574\uc11c \uc54c\uc544\ubcf4\ub3c4\ub85d \ud558\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub86f\ub370 \uce90\ud53c\ud0c8 \uce21\uc5d0\uc11c\ub294 \uc2e0\uc6a9\ub300\ucd9c \uc0c1\ud488\uc744 \ucd1d 3\uac1c \uc6b4\uc601\ud558\uace0 \uc788\ub294\ub370 \uc9c1\uc7a5\uc778, \uac1c\uc778\uc0ac\uc5c5\uc790, \uc77c\ubc18\uc73c\ub85c \uad6c\ubd84\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uadf8 \uc911 \uc8fc\ubd80 \ubc0f \ubb34\uc9c1\uc790\ub3c4 \uc774\uc6a9\uc774 \uac00\ub2a5\ud55c \uc77c\ubc18 \uc5d8\ub860(\ubb34\uc9c1\uc790\ub300\ucd9c)\uc740 \ucd1d6\ucc9c\ub9cc\uc6d0\uc774\ub77c\ub294 \ub192\uc740\ud55c\ub3c4\uc640 \ucd5c\uc7a5 10\ub144\ub3d9\uc548 \ub300\uae08\uc744 \uc774\uc6a9\ud560 \uc218 \uc788\ub2e4\ub294 \uc7a5\uc810\uc774 \uc788\ub294 \uc0c1\ud488\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub86f\ub370 \uce90\ud53c\ud0c8 \uc5d8\ub860 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1024w, https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/\uc81c\ubaa9\uc744-\uc785\ub825\ud574\uc8fc\uc138\uc694_-001-8.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/\uc81c\ubaa9\uc744-\uc785\ub825\ud574\uc8fc\uc138\uc694_-001-8.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/\uc81c\ubaa9\uc744-\uc785\ub825\ud574\uc8fc\uc138\uc694_-001-8.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/\uc81c\ubaa9\uc744-\uc785\ub825\ud574\uc8fc\uc138\uc694_-001-8.png?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure><\/div>\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_53 counter-hierarchy ez-toc-counter ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >\ubaa9\ucc28<\/p>\n<span 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6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input aria-label=\"Toggle\" aria-label=\"item-668249c29949f\"  type=\"checkbox\" id=\"item-668249c29949f\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/pparkmjblog.co.kr\/%eb%a1%af%eb%8d%b0-%ec%ba%90%ed%94%bc%ed%83%88-%ec%97%98%eb%a1%a0-%eb%ac%b4%ec%a7%81%ec%9e%90%eb%8c%80%ec%b6%9c-%ed%95%9c%eb%8f%84-%ea%b8%88%eb%a6%ac-%ea%b0%80%ec%9e%85%ec%a1%b0%ea%b1%b4-%ed%9b%84\/#1%EB%A1%AF%EB%8D%B0_%EC%BA%90%ED%94%BC%ED%83%88_%EC%97%98%EB%A1%A0_%EB%AC%B4%EC%A7%81%EC%9E%90%EB%8C%80%EC%B6%9C_%ED%95%9C%EB%88%88%EC%97%90_%EB%B3%B4%EA%B8%B0\" title=\"1.\ub86f\ub370 \uce90\ud53c\ud0c8 \uc5d8\ub860 \ubb34\uc9c1\uc790\ub300\ucd9c \ud55c\ub208\uc5d0 \ubcf4\uae30\">1.\ub86f\ub370 \uce90\ud53c\ud0c8 \uc5d8\ub860 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href=\"https:\/\/pparkmjblog.co.kr\/%eb%a1%af%eb%8d%b0-%ec%ba%90%ed%94%bc%ed%83%88-%ec%97%98%eb%a1%a0-%eb%ac%b4%ec%a7%81%ec%9e%90%eb%8c%80%ec%b6%9c-%ed%95%9c%eb%8f%84-%ea%b8%88%eb%a6%ac-%ea%b0%80%ec%9e%85%ec%a1%b0%ea%b1%b4-%ed%9b%84\/#83%EC%A4%91%EB%8F%84%EC%83%81%ED%99%98%EC%88%98%EC%88%98%EB%A3%8C\" title=\"8.3.\uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc\">8.3.\uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/pparkmjblog.co.kr\/%eb%a1%af%eb%8d%b0-%ec%ba%90%ed%94%bc%ed%83%88-%ec%97%98%eb%a1%a0-%eb%ac%b4%ec%a7%81%ec%9e%90%eb%8c%80%ec%b6%9c-%ed%95%9c%eb%8f%84-%ea%b8%88%eb%a6%ac-%ea%b0%80%ec%9e%85%ec%a1%b0%ea%b1%b4-%ed%9b%84\/#84%EC%9D%B8%EC%A7%80%EC%84%B8\" title=\"8.4.\uc778\uc9c0\uc138\">8.4.\uc778\uc9c0\uc138<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/pparkmjblog.co.kr\/%eb%a1%af%eb%8d%b0-%ec%ba%90%ed%94%bc%ed%83%88-%ec%97%98%eb%a1%a0-%eb%ac%b4%ec%a7%81%ec%9e%90%eb%8c%80%ec%b6%9c-%ed%95%9c%eb%8f%84-%ea%b8%88%eb%a6%ac-%ea%b0%80%ec%9e%85%ec%a1%b0%ea%b1%b4-%ed%9b%84\/#9%EB%A1%AF%EB%8D%B0_%EC%BA%90%ED%94%BC%ED%83%88_%EC%97%98%EB%A1%A0_%EB%AC%B4%EC%A7%81%EC%9E%90%EB%8C%80%EC%B6%9C_%EC%9E%A5%EB%8B%A8%EC%A0%90\" title=\"9.\ub86f\ub370 \uce90\ud53c\ud0c8 \uc5d8\ub860 \ubb34\uc9c1\uc790\ub300\ucd9c \uc7a5\ub2e8\uc810\">9.\ub86f\ub370 \uce90\ud53c\ud0c8 \uc5d8\ub860 \ubb34\uc9c1\uc790\ub300\ucd9c \uc7a5\ub2e8\uc810<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/pparkmjblog.co.kr\/%eb%a1%af%eb%8d%b0-%ec%ba%90%ed%94%bc%ed%83%88-%ec%97%98%eb%a1%a0-%eb%ac%b4%ec%a7%81%ec%9e%90%eb%8c%80%ec%b6%9c-%ed%95%9c%eb%8f%84-%ea%b8%88%eb%a6%ac-%ea%b0%80%ec%9e%85%ec%a1%b0%ea%b1%b4-%ed%9b%84\/#10%EB%A1%AF%EB%8D%B0%EC%BA%90%ED%94%BC%ED%83%88_%EC%97%98%EB%A1%A0_%EB%AC%B4%EC%A7%81%EC%9E%90%EB%8C%80%EC%B6%9C_%EC%8B%A0%EC%B2%AD%EB%B0%A9%EB%B2%95\" title=\"10.\ub86f\ub370\uce90\ud53c\ud0c8 \uc5d8\ub860 \ubb34\uc9c1\uc790\ub300\ucd9c \uc2e0\uccad\ubc29\ubc95\">10.\ub86f\ub370\uce90\ud53c\ud0c8 \uc5d8\ub860 \ubb34\uc9c1\uc790\ub300\ucd9c \uc2e0\uccad\ubc29\ubc95<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/pparkmjblog.co.kr\/%eb%a1%af%eb%8d%b0-%ec%ba%90%ed%94%bc%ed%83%88-%ec%97%98%eb%a1%a0-%eb%ac%b4%ec%a7%81%ec%9e%90%eb%8c%80%ec%b6%9c-%ed%95%9c%eb%8f%84-%ea%b8%88%eb%a6%ac-%ea%b0%80%ec%9e%85%ec%a1%b0%ea%b1%b4-%ed%9b%84\/#11%EB%A1%AF%EB%8D%B0%EC%BA%90%ED%94%BC%ED%83%88_%EC%97%98%EB%A1%A0_%EB%AC%B4%EC%A7%81%EC%9E%90%EB%8C%80%EC%B6%9C_%ED%9B%84%EA%B8%B0\" title=\"11.\ub86f\ub370\uce90\ud53c\ud0c8 \uc5d8\ub860 \ubb34\uc9c1\uc790\ub300\ucd9c \ud6c4\uae30\">11.\ub86f\ub370\uce90\ud53c\ud0c8 \uc5d8\ub860 \ubb34\uc9c1\uc790\ub300\ucd9c \ud6c4\uae30<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/pparkmjblog.co.kr\/%eb%a1%af%eb%8d%b0-%ec%ba%90%ed%94%bc%ed%83%88-%ec%97%98%eb%a1%a0-%eb%ac%b4%ec%a7%81%ec%9e%90%eb%8c%80%ec%b6%9c-%ed%95%9c%eb%8f%84-%ea%b8%88%eb%a6%ac-%ea%b0%80%ec%9e%85%ec%a1%b0%ea%b1%b4-%ed%9b%84\/#12%EB%A1%AF%EB%8D%B0%EC%BA%90%ED%94%BC%ED%83%88_%EC%97%98%EB%A1%A0_%EB%AC%B4%EC%A7%81%EC%9E%90%EB%8C%80%EC%B6%9C_%EB%B6%80%EA%B2%B0%EC%8B%9C_%EB%8C%80%EC%95%88%EC%83%81%ED%92%88\" title=\"12.\ub86f\ub370\uce90\ud53c\ud0c8 \uc5d8\ub860 \ubb34\uc9c1\uc790\ub300\ucd9c \ubd80\uacb0\uc2dc \ub300\uc548\uc0c1\ud488\">12.\ub86f\ub370\uce90\ud53c\ud0c8 \uc5d8\ub860 \ubb34\uc9c1\uc790\ub300\ucd9c \ubd80\uacb0\uc2dc \ub300\uc548\uc0c1\ud488<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1%EB%A1%AF%EB%8D%B0_%EC%BA%90%ED%94%BC%ED%83%88_%EC%97%98%EB%A1%A0_%EB%AC%B4%EC%A7%81%EC%9E%90%EB%8C%80%EC%B6%9C_%ED%95%9C%EB%88%88%EC%97%90_%EB%B3%B4%EA%B8%B0\"><\/span><strong>1.\ub86f\ub370 \uce90\ud53c\ud0c8 \uc5d8\ub860 \ubb34\uc9c1\uc790\ub300\ucd9c \ud55c\ub208\uc5d0 \ubcf4\uae30<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>\uad6c\ubd84<\/th><th>\ub0b4\uc6a9<\/th><\/tr><\/thead><tbody><tr><td>\uac00\uc785\uc870\uac74<\/td><td>-\uc2e0\uc6a9\uce74\ub4dc \uc0ac\uc6a9\uc2e4\uc801\uc774 \uc788\ub294 \uace0\uac1d<br>-\ub2f9\uc0ac \uc2ec\uc0ac\uae30\uc900\uc5d0 \ucda9\uc871\ub418\ub294 \uace0\uac1d<\/td><\/tr><tr><td>\ub300\ucd9c\ud55c\ub3c4<\/td><td>300\ub9cc\uc6d0 ~ 6,000\ub9cc\uc6d0<\/td><\/tr><tr><td>\ub300\ucd9c\uae30\uac04<\/td><td>1\ub144 ~ 10\ub144 (\uc2e0\uccad\uae08\uc561\ubcc4 \uc0c1\uc774\ud569\ub2c8\ub2e4.)<\/td><\/tr><tr><td>\ub300\ucd9c\uae08\ub9ac<\/td><td>7.6% ~ 19.5% (\uace0\uac1d \uc2e0\uc6a9\ub3c4\ubcc4 \ucc28\ub4f1\uc801\uc6a9\ub429\ub2c8\ub2e4.)<\/td><\/tr><tr><td>\uc0c1\ud658\ubc29\ubc95<\/td><td>\uc6d0(\ub9ac)\uae08\uade0\ub4f1\ubd84\ud560\uc0c1\ud658<\/td><\/tr><tr><td>\uace0\uac1d\ubd80\ub2f4\ube44\uc6a9<\/td><td>\uc778\uc9c0\uc138 \uc788\uc74c(5\ucc9c\ub9cc\uc6d0\uc774\uc0c1 \uc774\uc6a9\uc2dc), \uc57d\uc815\uae30\uac04\uc5d0\ub530\ub77c \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc \uc788\uc74c<\/td><\/tr><tr><td>\uc81c\ucd9c\uc11c\ub958<\/td><td>\ub300\ucd9c\uc2e0\uccad\uc11c, \uc2e0\ubd84\uc99d, \uc8fc\ubbfc\ub4f1\ub85d\ub4f1\ubcf8 \ubc0f \uc7ac\uc0b0\uc138 \ub0a9\uc785\uc99d\uba85 (\ud544\uc694\uc2dc)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2%EB%A1%AF%EB%8D%B0_%EC%BA%90%ED%94%BC%ED%83%88_%EC%97%98%EB%A1%A0_%EB%AC%B4%EC%A7%81%EC%9E%90%EB%8C%80%EC%B6%9C_%EA%B0%80%EC%9E%85%EC%A1%B0%EA%B1%B4\"><\/span><strong>2.\ub86f\ub370 \uce90\ud53c\ud0c8 \uc5d8\ub860 \ubb34\uc9c1\uc790\ub300\ucd9c \uac00\uc785\uc870\uac74<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\ub86f\ub370 \uce90\ud53c\ud0c8 \uc5d8\ub860 \ubb34\uc9c1\uc790\ub300\ucd9c\uc758 \uacbd\uc6b0 &#8216;\uc2e0\uc6a9\uce74\ub4dc&#8217; \uc0ac\uc6a9\uc2e4\uc801\uc774 \uc788\ub294 \uace0\uac1d\uc5d0 \ud55c\ud574 \uac00\uc785\uc774 \uac00\ub2a5\ud558\uc2ed\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uccb4\ud06c\uce74\ub4dc\uac00 \uc544\ub2cc \uc2e0\uc6a9\uce74\ub4dc \uc0ac\uc6a9\uc2e4\uc801\ub9cc \uc788\uc73c\uc2dc\ub2e4\uba74 \uac00\uc785\uc774 \uac00\ub2a5\ud558\ub2e4\ub294 \uc810\uc774 \ubcf8 \uc0c1\ud488\uc758 \ud2b9\uc9d5\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc2e0\uc6a9\uce74\ub4dc \ubc1c\uae09 \ubc0f \uc0ac\uc6a9\uc870\uac74\uc740 \uce74\ub4dc\uc0ac\ub9c8\ub2e4 \ub2e4\ub974\uc9c0\ub9cc \uc77c\ubc18\uc801\uc73c\ub85c \ub9cc19\uc138 \uc774\uc0c1\uc774\uba70 \uc6d4 \uc18c\ub4dd\uc774 50\ub9cc\uc6d0 \uc774\uc2dc\uba70 \uc2e0\uc6a9\ub4f1\uae09\uc774 6\ub4f1\uae09 \uc774\uc0c1\uc778 \ubd84\ub4e4\ub85c \uc81c\ud55c\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3%EB%A1%AF%EB%8D%B0_%EC%BA%90%ED%94%BC%ED%83%88_%EC%97%98%EB%A1%A0_%EB%AC%B4%EC%A7%81%EC%9E%90%EB%8C%80%EC%B6%9C_%ED%95%9C%EB%8F%84\"><\/span><strong>3.\ub86f\ub370 \uce90\ud53c\ud0c8 \uc5d8\ub860 \ubb34\uc9c1\uc790\ub300\ucd9c \ud55c\ub3c4<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\ub86f\ub370 \uce90\ud53c\ud0c8 \uc5d8\ub860 \ubb34\uc9c1\uc790\ub300\ucd9c\uc758 \ud55c\ub3c4\ub294 \ucd5c\uc18c 300\ub9cc\uc6d0\ubd80\ud130 \ucd5c\ub300 6\ucc9c\ub9cc\uc6d0\uae4c\uc9c0\ub85c \ud55c\ub3c4\ub294 \ub192\uc740 \ud3b8\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud3c9\uade0\uc801\uc778 \ube44\uc0c1\uae08\ub300\ucd9c \uc0c1\ud488\uc758 \ucd5c\ub300\ud55c\ub3c4\uc778 300\ub9cc\uc6d0\ubd80\ud130 \ud55c\ub3c4\uac00 \ub192\uae30\ub85c \ud3c9\uac00\ub418\ub294 \uc2e0\ud55c\uce74\ub4dc \uc989\uc2dc\ub300\ucd9c \uc0c1\ud488\uc758 \ud55c\ub3c4\ubcf4\ub2e4 1\ucc9c\ub9cc\uc6d0\uac00\ub7c9 \ub192\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\ubcf8 \uc0c1\ud488\uc740 \ubcf8\uc778\uc18c\uc720 \ubd80\ub3d9\uc0b0 \uc99d\ube59\uc2dc \ucd5c\ub300 6\ucc9c\ub9cc\uc6d0\uae4c\uc9c0 \ub2f4\ubcf4\uc124\uc815\uc5c6\uc774 \ub300\ucd9c\uc774 \uac00\ub2a5\ud558\ub2e4\ub294 \ud2b9\uc9d5\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4%EB%A1%AF%EB%8D%B0_%EC%BA%90%ED%94%BC%ED%83%88_%EC%97%98%EB%A1%A0_%EB%AC%B4%EC%A7%81%EC%9E%90%EB%8C%80%EC%B6%9C_%EA%B8%B0%EA%B0%84\"><\/span><strong>4.\ub86f\ub370 \uce90\ud53c\ud0c8 \uc5d8\ub860 \ubb34\uc9c1\uc790\ub300\ucd9c \uae30\uac04<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\ub86f\ub370 \uce90\ud53c\ud0c8 \uc5d8\ub860 \ubb34\uc9c1\uc790\ub300\ucd9c \uae30\uac04\uc740 \ucd5c\uc18c 1\ub144\ubd80\ud130 \uc2e0\uccad\uae08\uc561\ubcc4\ub85c \ucd5c\uc7a5 10\ub144\uae4c\uc9c0 \uc774\uc6a9\uc774 \uac00\ub2a5\ud558\uc2ed\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc81c1\uae08\uc735\uad8c\uc758 \ube44\uc0c1\uae08\ub300\ucd9c, \uc81c2\uae08\uc735\uad8c\uc758 \uc18c\uc561\ub300\ucd9c \ubc0f \ubb34\uc9c1\uc790\ub300\ucd9c\ub4f1\uacfc \ube44\uad50\ud574\ubcf4\uc544\ub3c4 \ud655\uc5f0\ud788 \uae34 \ub300\ucd9c\uae30\uac04\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc0c1\ub2f9\ud788 \ub109\ub109\ud55c \ub300\ucd9c\uae30\uac04\uacfc \ud55c\ub3c4\ub85c \uc18c\uc561\uae09\uc804 \ubfd0\ub9cc \uc544\ub2c8\ub77c \uc0dd\ud65c\ube44 \ubaa9\uc801, \uac70\uc561\uc758 \ub300\uae08\uc774 \ud544\uc694\ud558\uc2e0 \ubd84\ub4e4\uaed8\uc11c \ubd80\ub2f4\uc5c6\uc774 \uc774\uc6a9\ud558\uae30 \uc88b\uc740 \uc0c1\ud488\uc774\ub77c\uace0 \uc0dd\uac01\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5%EB%A1%AF%EB%8D%B0_%EC%BA%90%ED%94%BC%ED%83%88_%EC%97%98%EB%A1%A0_%EB%AC%B4%EC%A7%81%EC%9E%90%EB%8C%80%EC%B6%9C_%EA%B8%88%EB%A6%AC\"><\/span><strong>5.\ub86f\ub370 \uce90\ud53c\ud0c8 \uc5d8\ub860 \ubb34\uc9c1\uc790\ub300\ucd9c \uae08\ub9ac<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\ub86f\ub370 \uce90\ud53c\ud0c8 \uc5d8\ub860 \ubb34\uc9c1\uc790\ub300\ucd9c \uae08\ub9ac\ub294 7.6%\uc5d0\uc11c 19.5%\ub85c \ud615\uc131\ub418\uc5b4 \uc788\uc73c\uba70 \uc774\ub294 \uace0\uac1d \uc2e0\uc6a9\ub3c4\ubcc4\ub85c \ucc28\ub4f1\uc801\uc6a9\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc0ac\uc2e4 \uc81c2\uae08\uc735\uad8c \ub300\ucd9c\uc0c1\ud488\uc744 \uc774\uc6a9\ud558\uc2dc\ub294 \ubd84\ub4e4\uc740 \uc2e0\uc6a9\uc810\uc218\uac00 \ub0ae\uac70\ub098 \uc18c\ub4dd\uc774 \ub0ae\uc73c\uc2e0 \ubd84\ub4e4\uaed8\uc11c \uc774\uc6a9\ud558\uc2dc\ub294 \uacbd\uc6b0 \ub2e4\ubc18\uc0ac\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub54c\ubb38\uc5d0 \uc5f0 7.6%\ub300\uc758 \uae08\ub9ac\ub294 \uc0ac\uc2e4\uc0c1 \uc2e0\uc6a9\uc810\uc218\uac00 \uc88b\uac70\ub098 \uc18c\ub4dd\uc774 \ub192\uc73c\uc2e0 \ubd84\ub4e4\uc5d0 \ud55c\ud574 \uc801\uc6a9\ub418\ub294 \uc0c1\ud488\ub0b4 \uc800\uae08\ub9ac\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc77c\ubc18\uc801\uc778 \ubd84\ub4e4\uaed8\uc11c\ub294 15%\ub300\ub97c \uc6c3\ub3c4\ub294 \ub192\uc740 \uae08\ub9ac\ub97c \uc801\uc6a9\ubc1b\uc73c\uc2dc\uac8c \ub429\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uc774\ub7f4 \uacbd\uc6b0 \uc2e0\uc6a9\uc810\uc218\uc640 \ud55c\ub3c4\uc5d0 \uad00\uacc4\uc5c6\uc774 \ub9e4\ub144 3%\uc529 \uae08\ub9ac\ub97c \ub0ae\ucdb0\uc8fc\ub294 &#8216;\uc815\ubd80\uc9c0\uc6d0 \ub300\ucd9c&#8217;\uc744 \ud55c\ubc88 \uc54c\uc544\ubcf4\uc2dc\uace0 \ubcf8 \uc0c1\ud488\uc744 \uc774\uc6a9\ud558\uc2dc\ub294 \uac83\uc744 \ucd94\ucc9c\ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6%EB%A1%AF%EB%8D%B0_%EC%BA%90%ED%94%BC%ED%83%88_%EC%97%98%EB%A1%A0_%EB%AC%B4%EC%A7%81%EC%9E%90%EB%8C%80%EC%B6%9C_%EC%83%81%ED%99%98%EB%B0%A9%EB%B2%95\"><\/span><strong>6.\ub86f\ub370 \uce90\ud53c\ud0c8 \uc5d8\ub860 \ubb34\uc9c1\uc790\ub300\ucd9c \uc0c1\ud658\ubc29\ubc95<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\ub86f\ub370 \uce90\ud53c\ud0c8 \uc5d8\ub860 \ubb34\uc9c1\uc790\ub300\ucd9c\uc758 \uc6d0\uae08 \ubc0f \uc774\uc790 \uc0c1\ud658\ubc29\ubc95\uc740 &#8216;\uc6d0\ub9ac\uae08\uade0\ub4f1\ubd84\ud560\uc0c1\ud658&#8217;\uc744 \uc6d0\uce59\uc73c\ub85c \ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uae34 \ub300\ucd9c\uae30\uac04\uacfc \ub354\ubd88\uc5b4 \ub9e4\uc6d4 \ub3d9\uc77c\ud55c \uae08\uc561\uc744 \uc0c1\ud658\ud560 \uc218 \uc788\uc5b4 \ud569\ub9ac\uc801\uc778 \uc18c\ube44 \ubc0f \ub0a9\ubd80\uacc4\ud68d\uc744 \uc138\uc6b0\uc2e0\ub2e4\uba74 \uae08\uc804\uc801\uc778 \ubd80\ub2f4\uc744 \ub35c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"7%EB%A1%AF%EB%8D%B0_%EC%BA%90%ED%94%BC%ED%83%88_%EC%97%98%EB%A1%A0_%EB%AC%B4%EC%A7%81%EC%9E%90%EB%8C%80%EC%B6%9C_%EC%A0%9C%EC%B6%9C%EC%84%9C%EB%A5%98\"><\/span><strong>7.\ub86f\ub370 \uce90\ud53c\ud0c8 \uc5d8\ub860 \ubb34\uc9c1\uc790\ub300\ucd9c \uc81c\ucd9c\uc11c\ub958 <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\ub86f\ub370 \uce90\ud53c\ud0c8 \uc5d8\ub860 \ubb34\uc9c1\uc790\ub300\ucd9c\uc2dc \ud544\uc218 \uc81c\ucd9c\uc11c\ub958\ub85c\ub294 \ub300\ucd9c\uc2e0\uccad\uc11c\uc640 \ubcf8\uc778\uc778\uc99d\uc744 \uc704\ud55c \uc2e0\ubd84\uc99d\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud544\uc694\uc2dc \uc8fc\ubbfc\ub4f1\ub85d\ub4f1\ubcf8 \ubc0f \uc7ac\uc0b0\uc138 \ub0a9\uc785\uc99d\uba85\uc11c(\ubd80\ub3d9\uc0b0 \uc99d\ube59\uc744 \ud560 \uacbd\uc6b0)\uac00 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc0ac\uc2e4\uc0c1 \uc77c\ubc18 \ub300\ucd9c\uc744 \ud558\uc2dc\ub294 \ubd84\ub4e4\uaed8\uc11c\ub294 \ubb34\uc11c\ub958\ub85c \uc9c4\ud589\ud558\uc2e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"8%EB%A1%AF%EB%8D%B0_%EC%BA%90%ED%94%BC%ED%83%88_%EC%97%98%EB%A1%A0_%EB%AC%B4%EC%A7%81%EC%9E%90%EB%8C%80%EC%B6%9C_%EA%B3%A0%EA%B0%9D%EB%B6%80%EB%8B%B4%EB%B9%84%EC%9A%A9\"><\/span><strong>8.\ub86f\ub370 \uce90\ud53c\ud0c8 \uc5d8\ub860 \ubb34\uc9c1\uc790\ub300\ucd9c \uace0\uac1d\ubd80\ub2f4\ube44\uc6a9<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"81%EC%B7%A8%EA%B8%89%EC%88%98%EC%88%98%EB%A3%8C\"><\/span><strong>8.1.\ucde8\uae09\uc218\uc218\ub8cc<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\ucde8\uae09\uc218\uc218\ub8cc \ubc0f \uae30\ud0c0 \ubd80\ub300\ube44\uc6a9\uc740 \ub530\ub85c \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"82%EC%97%B0%EC%B2%B4%EC%9D%B4%EC%9E%90\"><\/span><strong>8.2.\uc5f0\uccb4\uc774\uc790<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\uc5f0\uccb4\uc774\uc790\uc758 \uacbd\uc6b0 \uc57d\uc815 \uae08\ub9ac\uc5d0\uc11c 3%\ub97c \uac00\uc0b0\ud558\uc5ec \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc5f0\uccb4\uc774\uc790\uc758 \uacbd\uc6b0 \ubc95\uc815 \ucd5c\uace0\uae08\ub9ac\uc778 \uc5f0 20%\ub97c \ucd08\uacfc\ud558\uc2e4 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"83%EC%A4%91%EB%8F%84%EC%83%81%ED%99%98%EC%88%98%EC%88%98%EB%A3%8C\"><\/span><strong>8.3.\uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc\ub294 \ub300\ucd9c\uae30\uac04\uc774 \uc885\ub8cc\ub418\uae30 3\ub144\uc774\ub0b4\uc5d0 \uc0c1\ud658\ud560\uacbd\uc6b0 \ucd5c\ub300 2%\uae4c\uc9c0 \ubc1c\uc0dd\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>3\ub144 \uc774\ud6c4 \uc0c1\ud658\ud560 \uacbd\uc6b0\uc5d0\ub294 \uc911\ub3c4\uc0c1\ud658 \uc218\uc218\ub8cc\uac00 \ubc1c\uc0dd\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc\ub294 (\uc911\ub3c4\uc0c1\ud658\uae08\uc561X\uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc\uc728X(\ub300\ucd9c\uc794\uc5ec\uc77c\uc218\/\ub300\ucd9c\uae30\uac04))\uc73c\ub85c \uc0b0\ucd9c\ub41c \uac12\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"84%EC%9D%B8%EC%A7%80%EC%84%B8\"><\/span><strong>8.4.\uc778\uc9c0\uc138<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\ub300\ucd9c\uae08\uc561\uc774 5\ucc9c\ub9cc\uc6d0 \uc774\ud558\uc77c \uacbd\uc6b0 \ube44\uacfc\uc138\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>5\ucc9c\ub9cc\uc6d0 \ucd08\uacfc 1\uc5b5\uc6d0 \uc774\ud558\uc77c\uacbd\uc6b0 7\ub9cc\uc6d0\uc758 \uc778\uc9c0\uc138\uac00 \ubc1c\uc0dd\ud558\uba70 \uc808\ubc18\uc758 \uae08\uc561\uc778 3\ub9cc5\ucc9c\uc6d0\uc744 \uace0\uac1d \ubc0f \uc740\ud589\uce21\uc5d0\uc11c \uac01\uac01 \ubd80\ub2f4\ud558\uc2dc\uba74 \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"9%EB%A1%AF%EB%8D%B0_%EC%BA%90%ED%94%BC%ED%83%88_%EC%97%98%EB%A1%A0_%EB%AC%B4%EC%A7%81%EC%9E%90%EB%8C%80%EC%B6%9C_%EC%9E%A5%EB%8B%A8%EC%A0%90\"><\/span><strong>9.\ub86f\ub370 \uce90\ud53c\ud0c8 \uc5d8\ub860 \ubb34\uc9c1\uc790\ub300\ucd9c \uc7a5\ub2e8\uc810<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul>\n<li class=\"has-large-font-size\"><strong>\uc7a5\uc810<\/strong><\/li>\n<\/ul>\n\n\n\n<p>-\ub109\ub109\ud55c \ud55c\ub3c4(6\ucc9c\ub9cc\uc6d0) \ubc0f \ub300\ucd9c\uae30\uac04(10\ub144)<\/p>\n\n\n\n<p>-\uc2e0\uc6a9\uce74\ub4dc \uc2e4\uc801\ub9cc \uc788\ub2e4\uba74 \uc2e0\uccad\uc774 \uac00\ub2a5<\/p>\n\n\n\n<p>-\uc18c\uc720 \ubd80\ub3d9\uc0b0 \uc99d\ube59\uc2dc \ub2f4\ubcf4\uc5c6\uc774 \ub300\ucd9c\uac00\ub2a5<\/p>\n\n\n\n<p>-\uac04\ud3b8\ud558\uace0 \ube60\ub978 \ub300\ucd9c\uc2e0\uccad \ubc0f \uc9c4\ud589<\/p>\n\n\n\n<p>-\uc6d0\ub9ac\uae08\uade0\ub4f1\ubd84\ud560\uc0c1\ud658\uc73c\ub85c \uc6d0\uae08 \ubc0f \uc774\uc790 \ub0a9\uc785 \ubd80\ub2f4\uc744 \uc904\uc77c \uc218 \uc788\uc74c<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<ul>\n<li class=\"has-large-font-size\"><strong>\ub2e8\uc810<\/strong><\/li>\n<\/ul>\n\n\n\n<p>-\ub192\uc740 \uae08\ub9ac(\uace0\uae08\ub9ac \uc0c1\ud488)<\/p>\n\n\n\n<p>-\uc81c2\uae08\uc735\uad8c \uc0c1\ud488\uc73c\ub85c \uc2e0\uc6a9\uc810\uc218 \ud558\ub77d\uc758 \uac00\ub2a5\uc131 \uc788\uc74c<\/p>\n\n\n\n<p>-\ub300\ucd9c\uae08\uc561(5\ucc9c\ub9cc\uc6d0 \ucd08\uacfc\uc2dc)\uc5d0 \ub530\ub77c \uc778\uc9c0\uc138\ub4f1\uc774 \ubc1c\uc0dd\ud568<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"10%EB%A1%AF%EB%8D%B0%EC%BA%90%ED%94%BC%ED%83%88_%EC%97%98%EB%A1%A0_%EB%AC%B4%EC%A7%81%EC%9E%90%EB%8C%80%EC%B6%9C_%EC%8B%A0%EC%B2%AD%EB%B0%A9%EB%B2%95\"><\/span><strong>10.\ub86f\ub370\uce90\ud53c\ud0c8 \uc5d8\ub860 \ubb34\uc9c1\uc790\ub300\ucd9c \uc2e0\uccad\ubc29\ubc95<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\ub86f\ub370\uce90\ud53c\ud0c8 \uc5d8\ub860 \ubb34\uc9c1\uc790\ub300\ucd9c\uc758 \uacbd\uc6b0 PC\ub97c \ud1b5\ud574 \uc27d\uace0 \ube60\ub974\uac8c \uc2e0\uccad\uc774 \uac00\ub2a5\ud558\uc2ed\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\uc790\uc138\ud55c \ub300\ucd9c\uc2e0\uccad \ubc29\ubc95\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">\uc21c\uc11c<\/th><th class=\"has-text-align-left\" data-align=\"left\">\ub0b4\uc6a9<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">STEP1<\/td><td class=\"has-text-align-left\" data-align=\"left\">\ub86f\ub370\uce90\ud53c\ud0c8 \uacf5\uc2dd \ud648\ud398\uc774\uc9c0\uc5d0 \uc811\uc18d<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">STEP2<\/td><td class=\"has-text-align-left\" data-align=\"left\">\uc0c1\ub2e8\uc758 &#8216;\uc2e0\uc6a9\ub300\ucd9c&#8217;\uc5d0\uc11c \uc0c1\ud488\uc18c\uac1c\ub97c \ud074\ub9ad<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">STEP3<\/td><td class=\"has-text-align-left\" data-align=\"left\">&#8216;\uc77c\ubc18&#8217;\ud074\ub9ad<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">STEP4<\/td><td class=\"has-text-align-left\" data-align=\"left\">&#8216;\ub300\ucd9c \uc2e0\uccad\ud558\uae30&#8217; \ud074\ub9ad <\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">STEP5<\/td><td class=\"has-text-align-left\" data-align=\"left\">&#8216;\ub124,\ud55c\ub3c4\uc870\ud68c \uc2dc\uc791\ud560\ub798\uc694&#8217; \ud074\ub9ad \ud6c4 \ud55c\ub3c4 \uc870\ud68c \ubc0f \ub300\ucd9c\uc9c4\ud589<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">\uc704 \ub0b4\uc6a9\uc774 \ud5f7\uac08\ub9ac\uc2dc\ub294 \ubd84\ub4e4\uaed8\uc11c\ub294 \uc544\ub798 \uc774\ubbf8\uc9c0\ub97c \ucc38\uace0\ud558\uc5ec \uc9c4\ud589\ud558\uc2dc\uae38 \ubc14\ub78d\ub2c8\ub2e4.<\/figcaption><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><a href=\"https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/image-40.png?ssl=1\"><img loading=\"lazy\" decoding=\"async\" width=\"856\" height=\"842\" src=\"https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/image-40.png?resize=856%2C842&#038;ssl=1\" alt=\"\" class=\"wp-image-2544\" srcset=\"https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/image-40.png?w=856&amp;ssl=1 856w, https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/image-40.png?resize=300%2C295&amp;ssl=1 300w, https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/image-40.png?resize=768%2C755&amp;ssl=1 768w\" sizes=\"(max-width: 856px) 100vw, 856px\" data-recalc-dims=\"1\" \/><\/a><figcaption class=\"wp-element-caption\"><strong>&lt;STEP 1><\/strong><\/figcaption><\/figure><\/div>\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><a href=\"https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/image-41.png?ssl=1\"><img loading=\"lazy\" decoding=\"async\" width=\"735\" height=\"742\" src=\"https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/image-41.png?resize=735%2C742&#038;ssl=1\" alt=\"\" class=\"wp-image-2545\" srcset=\"https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/image-41.png?w=735&amp;ssl=1 735w, https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/image-41.png?resize=297%2C300&amp;ssl=1 297w, https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/image-41.png?resize=150%2C150&amp;ssl=1 150w\" sizes=\"(max-width: 735px) 100vw, 735px\" data-recalc-dims=\"1\" \/><\/a><figcaption class=\"wp-element-caption\"><strong>&lt;STEP 2><\/strong><\/figcaption><\/figure><\/div>\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><a href=\"https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/image-42.png?ssl=1\"><img loading=\"lazy\" decoding=\"async\" width=\"756\" height=\"439\" src=\"https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/image-42.png?resize=756%2C439&#038;ssl=1\" alt=\"\" class=\"wp-image-2546\" srcset=\"https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/image-42.png?w=756&amp;ssl=1 756w, https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/image-42.png?resize=300%2C174&amp;ssl=1 300w\" sizes=\"(max-width: 756px) 100vw, 756px\" data-recalc-dims=\"1\" \/><\/a><figcaption class=\"wp-element-caption\"><strong>&lt;STEP 3><\/strong><\/figcaption><\/figure><\/div>\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><a href=\"https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/image-43.png?ssl=1\"><img loading=\"lazy\" decoding=\"async\" width=\"648\" height=\"528\" src=\"https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/image-43.png?resize=648%2C528&#038;ssl=1\" alt=\"\" class=\"wp-image-2547\" srcset=\"https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/image-43.png?w=648&amp;ssl=1 648w, https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/image-43.png?resize=300%2C244&amp;ssl=1 300w\" sizes=\"(max-width: 648px) 100vw, 648px\" data-recalc-dims=\"1\" \/><\/a><figcaption class=\"wp-element-caption\"><strong>&lt;STEP 4><\/strong><\/figcaption><\/figure><\/div>\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><a href=\"https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/image-44.png?ssl=1\"><img loading=\"lazy\" decoding=\"async\" width=\"551\" height=\"478\" src=\"https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/image-44.png?resize=551%2C478&#038;ssl=1\" alt=\"\" class=\"wp-image-2548\" srcset=\"https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/image-44.png?w=551&amp;ssl=1 551w, https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/image-44.png?resize=300%2C260&amp;ssl=1 300w\" sizes=\"(max-width: 551px) 100vw, 551px\" data-recalc-dims=\"1\" \/><\/a><figcaption class=\"wp-element-caption\"><strong>&lt;STEP 5><\/strong><\/figcaption><\/figure><\/div>\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"11%EB%A1%AF%EB%8D%B0%EC%BA%90%ED%94%BC%ED%83%88_%EC%97%98%EB%A1%A0_%EB%AC%B4%EC%A7%81%EC%9E%90%EB%8C%80%EC%B6%9C_%ED%9B%84%EA%B8%B0\"><\/span><strong>11.\ub86f\ub370\uce90\ud53c\ud0c8 \uc5d8\ub860 \ubb34\uc9c1\uc790\ub300\ucd9c \ud6c4\uae30<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\ub86f\ub370 \uce90\ud53c\ud0c8 \uc5d8\ub860 \ubb34\uc9c1\uc790\ub300\ucd9c\uc758 \uacbd\uc6b0 \uae30\ubcf8\uc801\uc73c\ub85c \uae08\ub9ac\uac00 \ub192\uc740 \uc0c1\ud488\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uba85\uc2dc\ud574 \ub193\uc740 \ucd5c\uc800\uae08\ub9ac\uc778 \ucd5c\uc18c \uc5f0 7.6%\ub294 \uc0ac\uc2e4\uc0c1 \uc5c6\ub2e4\uace0 \ubcf4\uc154\ub3c4 \ubb34\ubc29\ud558\uba70 \ub300\uccb4\ub85c 15%-19%\ub300\uc758 \uae08\ub9ac\uac00 \ub300\ucd9c\uc2dc \ud615\uc131\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud6c4\uae30\ub85c\ub294 \ub098\uc774\uc2a4 \uae30\uc900 \uc2e0\uc6a9\uc810\uc218\ub4f1\uae09\uc774 5\ub4f1\uae09\ub300\ub85c 1\uc5b5\uc6d0\ub300\uc758 \uae30\ub300\ucd9c\uc774 \uc788\uc5c8\uc73c\uba70 \uc2e0\uc6a9\uce74\ub4dc\ub294 \uc5f0\uccb4\uc5c6\uc774 \uc9c0\uae08\uae4c\uc9c0 \uc798 \uc0ac\uc6a9\ud55c \uace0\uac1d\uc774 \uc57d 5\ucc9c\ub9cc\uc6d0\uc744 16.7%\ub300\ub85c \uc774\uc6a9\ud55c \uc0ac\ub840\uac00 \uc788\uc73c\ub2c8 \ucc38\uace0\ud558\uc2dc\uae38 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud55c\ub3c4\uac00 \ub2e4\ub978 \uce90\ud53c\ud0c8 \ub300\ucd9c\uc0c1\ud488\ubcf4\ub2e4 \ud655\uc5f0\ud558\uac8c \ub192\uc740\uac83\uc774 \ud2b9\uc9d5\uc774\uba70 \uc2b9\uc778\uc728 \ub610\ud55c \ubd80\uacb0\ud6c4\uae30\uac00 \uac70\uc758 \uc5c6\uc744\ub9cc\ud07c \ub192\uc2b5\ub2c8\ub2e4. <\/p>\n\n\n\n<p>\ubcf8 \uc0c1\ud488\uc740 \uc77c\uc815 \uc18c\ub4dd\uc774 \uc5c6\ub294 \ubd84\ub4e4\uaed8\uc11c \uae09\uc804\uc774 \ud544\uc694\ud558\uc2e4 \uacbd\uc6b0 \uc0ac\uc6a9\ud558\uc2e4 \uc218 \uc788\ub294 \ud6a8\uc728\uc131 \uc88b\uc740 \uc0c1\ud488\uc774\ub77c\uace0 \uc0dd\uac01\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud639\uc5ec\ub098 \ubcf8 \uc0c1\ud488\uc774 \ubd80\uacb0\ub418\uc5c8\uc744 \uacbd\uc6b0\ub97c \ub300\ube44\ud558\uc5ec \uc544\ub798 \ub300\uc548\uc0c1\ud488\uc744 \uc0b4\ud3b4\ubcf4\uc2dc\uae38 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"12%EB%A1%AF%EB%8D%B0%EC%BA%90%ED%94%BC%ED%83%88_%EC%97%98%EB%A1%A0_%EB%AC%B4%EC%A7%81%EC%9E%90%EB%8C%80%EC%B6%9C_%EB%B6%80%EA%B2%B0%EC%8B%9C_%EB%8C%80%EC%95%88%EC%83%81%ED%92%88\"><\/span><strong>12.\ub86f\ub370\uce90\ud53c\ud0c8 \uc5d8\ub860 \ubb34\uc9c1\uc790\ub300\ucd9c \ubd80\uacb0\uc2dc \ub300\uc548\uc0c1\ud488<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n","protected":false},"excerpt":{"rendered":"<p>\uc560\ud50c\ub860 \ubb34\uc9c1\uc790 \ub300\ucd9c\uc5d0 \uc774\uc5b4 \uc81c2\uae08\uc735\uad8c \ub86f\ub370\uce90\ud53c\ud0c8 \uc5d8\ub860 \ubb34\uc9c1\uc790\ub300\ucd9c\uc5d0 \ub300\ud574\uc11c \uc54c\uc544\ubcf4\ub3c4\ub85d \ud558\uaca0\uc2b5\ub2c8\ub2e4. \ub86f\ub370 \uce90\ud53c\ud0c8 \uce21\uc5d0\uc11c\ub294 \uc2e0\uc6a9\ub300\ucd9c \uc0c1\ud488\uc744 \ucd1d 3\uac1c \uc6b4\uc601\ud558\uace0 \uc788\ub294\ub370 \uc9c1\uc7a5\uc778, \uac1c\uc778\uc0ac\uc5c5\uc790, \uc77c\ubc18\uc73c\ub85c \uad6c\ubd84\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uadf8 \uc911 \uc8fc\ubd80 \ubc0f \ubb34\uc9c1\uc790\ub3c4 \uc774\uc6a9\uc774 \uac00\ub2a5\ud55c \uc77c\ubc18 \uc5d8\ub860(\ubb34\uc9c1\uc790\ub300\ucd9c)\uc740 \ucd1d6\ucc9c\ub9cc\uc6d0\uc774\ub77c\ub294 \ub192\uc740\ud55c\ub3c4\uc640 \ucd5c\uc7a5 10\ub144\ub3d9\uc548 \ub300\uae08\uc744 \uc774\uc6a9\ud560 \uc218 \uc788\ub2e4\ub294 \uc7a5\uc810\uc774 \uc788\ub294 \uc0c1\ud488\uc785\ub2c8\ub2e4. \ub86f\ub370 \uce90\ud53c\ud0c8 \uc5d8\ub860 \ubb34\uc9c1\uc790\ub300\ucd9c\uc5d0 \ub300\ud55c \ud2b9\uc9d5 \ubc0f \uac00\uc785\uc870\uac74, \ud55c\ub3c4, \uae08\ub9ac, &#8230; <a title=\"\ub86f\ub370 \uce90\ud53c\ud0c8 \uc5d8\ub860 \ubb34\uc9c1\uc790\ub300\ucd9c \ud55c\ub3c4 \uae08\ub9ac \uac00\uc785\uc870\uac74 \ud6c4\uae30 \uc7a5\ub2e8\uc810 \ubd80\uacb0\uc2dc \ub300\uccb4\uc0c1\ud488 \uc0c1\uc138\uc815\ub9ac\" class=\"read-more\" href=\"https:\/\/pparkmjblog.co.kr\/%eb%a1%af%eb%8d%b0-%ec%ba%90%ed%94%bc%ed%83%88-%ec%97%98%eb%a1%a0-%eb%ac%b4%ec%a7%81%ec%9e%90%eb%8c%80%ec%b6%9c-%ed%95%9c%eb%8f%84-%ea%b8%88%eb%a6%ac-%ea%b0%80%ec%9e%85%ec%a1%b0%ea%b1%b4-%ed%9b%84\/\" aria-label=\"More on \ub86f\ub370 \uce90\ud53c\ud0c8 \uc5d8\ub860 \ubb34\uc9c1\uc790\ub300\ucd9c \ud55c\ub3c4 \uae08\ub9ac \uac00\uc785\uc870\uac74 \ud6c4\uae30 \uc7a5\ub2e8\uc810 \ubd80\uacb0\uc2dc \ub300\uccb4\uc0c1\ud488 \uc0c1\uc138\uc815\ub9ac\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false}}},"categories":[4],"tags":[],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack-related-posts":[{"id":2672,"url":"https:\/\/pparkmjblog.co.kr\/%eb%b0%94%eb%a1%9c%ed%81%ac%eb%a0%88%eb%94%94%ed%8a%b8%eb%8c%80%eb%b6%80-%eb%b0%94%eb%a1%9c%eb%b0%94%eb%a1%9c%eb%a1%a0-%eb%b0%94%eb%a1%9c300%eb%8c%80%ec%b6%9c-%ed%9b%84%ea%b8%b0%eb%93%b1-%ec%83%81\/","url_meta":{"origin":2539,"position":0},"title":"\ubc14\ub85c\ud06c\ub808\ub514\ud2b8\ub300\ubd80 \ubc14\ub85c\ubc14\ub85c\ub860 \ubc14\ub85c300\ub300\ucd9c \ud6c4\uae30\ub4f1 \uc0c1\uc138\uc815\ub9ac","author":"PARK","date":"2\uc6d4 12, 2024","format":false,"excerpt":"\uc624\ub298\uc740 \ubc14\ub85c\ud06c\ub808\ub514\ud2b8\ub300\ubd80 \uc5c5\uccb4\uc758 \ub300\ucd9c\uc0c1\ud488\uc778 \ubc14\ub85c\ubc14\ub85c\ub860 \ubc14\ub85c300 \ub300\ucd9c\uc5d0 \ub300\ud574\uc11c \uc54c\uc544\ubcf4\ub3c4\ub85d \ud558\uaca0\uc2b5\ub2c8\ub2e4. \ubc14\ub85c\ubc14\ub85c\ub860 \ubc14\ub85c300\uc758 \uacbd\uc6b0 \ub2f9\uc77c\uc1a1\uae08\uc774 \uac00\ub2a5\ud55c \ub300\ucd9c \uc0c1\ud488\uc911 \ud558\ub098\ub85c \uae09\uc804\uc774 \ud544\uc694\ud558\uc2e0 \ubd84\ub4e4\uc758 \uacbd\uc6b0 \ud6a8\uc728\uc801\uc73c\ub85c \uc774\uc6a9\uc774 \uac00\ub2a5\ud558\uc2ed\ub2c8\ub2e4. \uc790\uaca9\uc870\uac74\ub3c4 \uc9c4\uc785\uc7a5\ubcbd\uc774 \ub192\uc9c0 \uc54a\uace0 \uc2b9\uc778\uc728\ub3c4 \ub192\uc740 \uc81c\ud488\uc73c\ub85c\uc368 \ub9ce\uc740 \ubd84\ub4e4\uc758 \uc774\uc6a9 \ud6c4\uae30\uac00 \uc788\ub294 \uc0c1\ud488 \uc911 \ud558\ub098\uc785\ub2c8\ub2e4. \uc544\ub798\uc5d0\uc11c \ubc14\ub85c\ubc14\ub85c\ub860 \ubc14\ub85c300\uc5d0 \ub300\ud55c \uae30\ubcf8\uc801\uc778 \uc0c1\ud488\uc815\ubcf4 \ubc0f \ud6c4\uae30, \ubd80\uacb0 \uc2dc\u2026","rel":"","context":"&quot;\ub300\ucd9c&quot;\uc5d0\uc11c","block_context":{"text":"\ub300\ucd9c","link":"https:\/\/pparkmjblog.co.kr\/category\/loan-%eb%8c%80%ec%b6%9c\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/02\/\uc81c\ubaa9\uc744-\uc785\ub825\ud574\uc8fc\uc138\uc694_-001-19.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/02\/\uc81c\ubaa9\uc744-\uc785\ub825\ud574\uc8fc\uc138\uc694_-001-19.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/02\/\uc81c\ubaa9\uc744-\uc785\ub825\ud574\uc8fc\uc138\uc694_-001-19.png?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/02\/\uc81c\ubaa9\uc744-\uc785\ub825\ud574\uc8fc\uc138\uc694_-001-19.png?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":2552,"url":"https:\/\/pparkmjblog.co.kr\/sbi%ec%a0%80%ec%b6%95%ec%9d%80%ed%96%89-%ec%8a%a4%ed%94%bc%eb%93%9c%eb%a1%a0-%ec%a1%b0%ea%b1%b4-%ed%95%9c%eb%8f%84-%ea%b8%88%eb%a6%ac-%ed%9b%84%ea%b8%b0-%ec%8b%a0%ec%b2%ad%eb%b0%a9%eb%b2%95-%eb%b6%80\/","url_meta":{"origin":2539,"position":1},"title":"sbi\uc800\ucd95\uc740\ud589 \uc2a4\ud53c\ub4dc\ub860 \uc870\uac74 \ud55c\ub3c4 \uae08\ub9ac \ud6c4\uae30 \uc2e0\uccad\ubc29\ubc95 \ubd80\uacb0 \uc2dc \ub300\uccb4\uc0c1\ud488 \uc0c1\uc138\uc815\ub9ac","author":"PARK","date":"1\uc6d4 29, 2024","format":false,"excerpt":"\uc0ac\uc774\ub2e4\ubc45\ud06c \ube44\uc0c1\uae08\ub300\ucd9c\uc5d0 \uc774\uc5b4 \uc624\ub298\uc740 sbi\uc800\ucd95\uc740\ud589 \uc2a4\ud53c\ub4dc\ub860\uc5d0 \ub300\ud574\uc11c \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \ubcf8 \uc0c1\ud488\uba85\uc5d0\uc11c \uc54c \uc218 \uc788\ub4ef\uc774 \uc2a4\ud53c\ub4dc\ub860\uc758 \uacbd\uc6b0 \ub300\ucd9c\uc2e0\uccad \ud6c4 \ub300\uae08 \uc785\uae08\uae4c\uc9c0 \ube60\ub974\uac8c \uc9c4\ud589\ub429\ub2c8\ub2e4. \uae09\ud55c\uc77c\ub85c \uc778\ud574 \uc18c\uc561\uae09\uc804\uc774 \ud544\uc694\ud558\uc2e0\ubd84\ub4e4\uaed8\uc11c \uc0ac\uc6a9\ud560 \uc218 \uc788\ub294 \ucd5c\uc801\uc758 \ub300\ucd9c\uc0c1\ud488\uc774\ub77c\uace0 \uc0dd\uac01\ud569\ub2c8\ub2e4. SBI\uc800\ucd95\uc740\ud589 \uc2a4\ud53c\ub4dc\ub860\uc5d0 \ub300\ud55c \uac00\uc785\uc870\uac74,\ud55c\ub3c4,\uae08\ub9ac \ub4f1\uc758 \uae30\ubcf8\uc801\uc778 \uc0c1\ud488\uc815\ubcf4\uc640 \ud6c4\uae30 \ubc0f \ubd80\uacb0 \uc2dc \ub300\uccb4\uc0c1\ud488\uc5d0 \ub300\ud55c \ub0b4\uc6a9\uc744 \uc0c1\uc138\ud558\uac8c \uc815\ub9ac\ud558\uc600\uc73c\ub2c8 \uc9d1\uc911\ud574\uc11c \ubd10\uc8fc\uc2dc\uae38 \ubc14\ub78d\ub2c8\ub2e4.\u2026","rel":"","context":"&quot;\ud648&quot;\uc5d0\uc11c","block_context":{"text":"\ud648","link":"https:\/\/pparkmjblog.co.kr\/category\/home\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/\uc81c\ubaa9\uc744-\uc785\ub825\ud574\uc8fc\uc138\uc694_-001-9.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/pparkmjblog.co.kr\/wp-content\/uploads\/2024\/01\/\uc81c\ubaa9\uc744-\uc785\ub825\ud574\uc8fc\uc138\uc694_-001-9.png?resize=350%2C200&ssl=1 1x, 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