{"id":27,"date":"2026-04-09T22:30:34","date_gmt":"2026-04-09T13:30:34","guid":{"rendered":"http:\/\/moneynote.host.whoisweb.net\/?p=27"},"modified":"2026-04-09T22:30:36","modified_gmt":"2026-04-09T13:30:36","slug":"%ed%86%b5%ec%9e%a5-%ec%aa%bc%ea%b0%9c%ea%b8%b0","status":"publish","type":"post","link":"https:\/\/moneynote.host.whoisweb.net\/?p=27","title":{"rendered":"\ud1b5\uc7a5 \ucabc\uac1c\uae30 \ubc29\ubc95 5\ub2e8\uacc4 \u2013 \uc6d4\uae09\uc744 \ud1b5\uc81c\ud558\ub294 \uac00\uc7a5 \ud655\uc2e4\ud55c \ubc29\ubc95"},"content":{"rendered":"\n<p>\uc6d4\uae09\uc774 \ub4e4\uc5b4\uc624\uba74 \uc5b4\ub290\uc0c8 \uc0ac\ub77c\uc838 \uc788\ub294 \uacbd\ud5d8, \ub204\uad6c\ub098 \ud55c \ubc88\ucabd\uc740 \ud574\ubcf4\uc168\uc744 \uac83\uc785\ub2c8\ub2e4. \ubb38\uc81c\ub294 \ub3c8\uc744 \uc801\uac8c \ubc84\ub294 \uac83\uc774 \uc544\ub2c8\ub77c, \ub3c8\uc758 \ud750\ub984\uc744 \uad00\ub9ac\ud558\uc9c0 \uc54a\ub294 \uac83\uc5d0 \uc788\uc2b5\ub2c8\ub2e4. \ud1b5\uc7a5 \ucabc\uac1c\uae30\ub294 \uc774 \ubb38\uc81c\ub97c \ud574\uacb0\ud558\ub294 \uac00\uc7a5 \uac04\ub2e8\ud558\uace0 \ud6a8\uacfc\uc801\uc778 \ubc29\ubc95\uc785\ub2c8\ub2e4. \uc774 \uae00\uc5d0\uc11c\ub294 \ud1b5\uc7a5 \ucabc\uac1c\uae30 \ubc29\ubc95\uc744 5\ub2e8\uacc4\ub85c \ub098\ub204\uc5b4 \uc0ac\ud68c\ucd08\ub144\uc0dd\ub3c4 \ubc14\ub85c \uc2e4\ucc9c\ud560 \uc218 \uc788\ub3c4\ub85d \uc27d\uac8c \uc815\ub9ac\ud558\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud1b5\uc7a5 \ucabc\uac1c\uae30\ub780 \ubb34\uc5c7\uc778\uac00<\/h2>\n\n\n\n<p>\ud1b5\uc7a5 \ucabc\uac1c\uae30\ub780 \ud558\ub098\uc758 \ud1b5\uc7a5\uc5d0\uc11c \ubaa8\ub4e0 \ub3c8\uc744 \uad00\ub9ac\ud558\ub294 \ub300\uc2e0, \ubaa9\uc801\ubcc4\ub85c \uc5ec\ub7ec \uac1c\uc758 \ud1b5\uc7a5\uc744 \ub098\ub204\uc5b4 \uc0ac\uc6a9\ud558\ub294 \uc790\uae08 \uad00\ub9ac \ubc29\ubc95\uc785\ub2c8\ub2e4. \uae09\uc5ec\ud1b5\uc7a5, \uc0dd\ud65c\ube44\ud1b5\uc7a5, \uc800\ucd95\ud1b5\uc7a5, \ube44\uc0c1\uae08\ud1b5\uc7a5 \ub4f1\uc73c\ub85c \ub098\ub204\uba74 \ub3c8\uc758 \ud750\ub984\uc774 \ub208\uc5d0 \ubcf4\uc774\uae30 \ub54c\ubb38\uc5d0 \ubd88\ud544\uc694\ud55c \uc9c0\ucd9c\uc744 \uc904\uc774\uace0 \uc800\ucd95\uc744 \ub298\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc2e4\uc81c\ub85c \ud1b5\uc7a5 \ucabc\uac1c\uae30\ub97c \uc2e4\ucc9c\ud55c \uc0ac\ub78c\ub4e4\uc740 \ud3c9\uade0\uc801\uc73c\ub85c \uc6d4 \uc9c0\ucd9c\uc744 15\uc5d0\uc11c 20\ud37c\uc13c\ud2b8\uae4c\uc9c0 \uc904\uc77c \uc218 \uc788\uc5c8\ub2e4\uace0 \uc774\uc57c\uae30\ud569\ub2c8\ub2e4. \ud575\uc2ec\uc740 \ub3c8\uc774 \ub4e4\uc5b4\uc624\ub294 \uc21c\uac04 \uc790\ub3d9\uc73c\ub85c \ubd84\ubc30\ub418\ub3c4\ub85d \uc2dc\uc2a4\ud15c\uc744 \ub9cc\ub4dc\ub294 \uac83\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p><em>\ud575\uc2ec: \ud1b5\uc7a5 \ucabc\uac1c\uae30\uc758 \ubaa9\uc801\uc740 \uc758\uc9c0\ub825\uc5d0 \uc758\uc874\ud558\uc9c0 \uc54a\uace0 \uc790\ub3d9\uc73c\ub85c \ub3c8\uc774 \uad00\ub9ac\ub418\ub294 \uad6c\uc870\ub97c \ub9cc\ub4dc\ub294 \uac83\uc785\ub2c8\ub2e4.<\/em><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud1b5\uc7a5 \ucabc\uac1c\uae30 \ubc29\ubc95 5\ub2e8\uacc4<\/h2>\n\n\n\n<p>\ud1b5\uc7a5 \ucabc\uac1c\uae30\ub294 \ubcf5\uc7a1\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc544\ub798 5\ub2e8\uacc4\ub97c \ub530\ub77c\ud558\uba74 \ub204\uad6c\ub098 \ubc14\ub85c \uc2dc\uc791\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1\ub2e8\uacc4: \uae09\uc5ec\ud1b5\uc7a5 \uc815\ud558\uae30<\/h3>\n\n\n\n<p>\uc6d4\uae09\uc774 \ub4e4\uc5b4\uc624\ub294 \ud1b5\uc7a5\uc744 \uae09\uc5ec\ud1b5\uc7a5\uc73c\ub85c \uc9c0\uc815\ud569\ub2c8\ub2e4. \uc774 \ud1b5\uc7a5\uc740 \ub3c8\uc774 \uc7a0\uc2dc \uba38\ubb3c\ub2e4 \ub2e4\ub978 \ud1b5\uc7a5\uc73c\ub85c \ud750\ub974\ub294 \ud5c8\ube0c \uc5ed\ud560\ub9cc \ud569\ub2c8\ub2e4. \uc6d4\uae09\uc774 \ub4e4\uc5b4\uc624\uba74 \uc790\ub3d9\uc774\uccb4\ub97c \ud1b5\ud574 \uac01 \ubaa9\uc801\ubcc4 \ud1b5\uc7a5\uc73c\ub85c \ubd84\ubc30\ub418\ub3c4\ub85d \uc124\uc815\ud574 \ub450\ub294 \uac83\uc774 \ud575\uc2ec\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2\ub2e8\uacc4: \uc0dd\ud65c\ube44\ud1b5\uc7a5 \ub9cc\ub4e4\uae30<\/h3>\n\n\n\n<p>\ud55c \ub2ec \uc0dd\ud65c\ube44\ub97c \uc815\ud574\uc11c \ubcc4\ub3c4\uc758 \ud1b5\uc7a5\uc5d0 \ub123\uc5b4\ub461\ub2c8\ub2e4. \uc2dd\ube44, \uad50\ud1b5\ube44, \ud1b5\uc2e0\ube44, \uad6c\ub3c5\ub8cc \ub4f1 \uace0\uc815 \uc9c0\ucd9c\uacfc \ubcc0\ub3d9 \uc9c0\ucd9c\uc744 \ud569\uc0b0\ud574\uc11c \uc774 \uae08\uc561\ub9cc \uc774 \ud1b5\uc7a5\uc5d0\uc11c \uc4f0\ub294 \uac83\uc785\ub2c8\ub2e4. \uc774\ub807\uac8c \ud558\uba74 \uc774\ubc88 \ub2ec\uc5d0 \uc5bc\ub9c8\ub97c \uc4f8 \uc218 \uc788\ub294\uc9c0 \uba85\ud655\ud574\uc838\uc11c \uacfc\uc18c\ube44\ub97c \ubc29\uc9c0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3\ub2e8\uacc4: \uc800\ucd95\ud1b5\uc7a5 \uac1c\uc124\ud558\uae30<\/h3>\n\n\n\n<p>\ub9e4\ub2ec \uc77c\uc815 \uae08\uc561\uc744 \uc790\ub3d9\uc774\uccb4\ub85c \uc801\uae08\uc774\ub098 \uc608\uae08\uc5d0 \ub123\ub294 \uc804\uc6a9 \ud1b5\uc7a5\uc785\ub2c8\ub2e4. \uc801\uae08\uacfc \uc608\uae08 \uc911 \uc5b4\ub5a4 \uc0c1\ud488\uc774 \ub098\uc5d0\uac8c \ub9de\ub294\uc9c0 \ubaa8\ub974\uaca0\ub2e4\uba74 <a href=\"https:\/\/moneynote.host.whoisweb.net\/?p=1\">\uc608\uae08 \uc801\uae08 \ucc28\uc774 \uc644\ubcbd \uc815\ub9ac \uae00<\/a>\uc744 \ucc38\uace0\ud574 \ubcf4\uc138\uc694. \uc911\uc694\ud55c \uac83\uc740 \uae09\uc5ec\uc77c\uc5d0 \uc790\ub3d9\uc774\uccb4\uac00 \uc2e4\ud589\ub418\ub3c4\ub85d \uc124\uc815\ud574\uc11c, \ub3c8\uc744 \uc4f0\uae30 \uc804\uc5d0 \uc800\ucd95\ubd80\ud130 \ud558\ub294 \uc120\uc800\ucd95 \ud6c4\uc9c0\ucd9c \uc2b5\uad00\uc744 \ub9cc\ub4dc\ub294 \uac83\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4\ub2e8\uacc4: \ube44\uc0c1\uae08\ud1b5\uc7a5 \ud655\ubcf4\ud558\uae30<\/h3>\n\n\n\n<p>\uc608\uc0c1\uce58 \ubabb\ud55c \uc9c0\ucd9c\uc5d0 \ub300\ube44\ud558\ub294 \ud1b5\uc7a5\uc785\ub2c8\ub2e4. \uc6d4\uae09\uc758 3\uac1c\uc6d4\uce58\uc5d0\uc11c 6\uac1c\uc6d4\uce58\ub97c \ubaa9\ud45c\ub85c \ube44\uc0c1\uae08\uc744 \ubaa8\uc544\ub450\uc138\uc694. \ube44\uc0c1\uae08\uc774 \uc788\uc73c\uba74 \uac11\uc791\uc2a4\ub7ec\uc6b4 \uc0c1\ud669\uc5d0\uc11c\ub3c4 \uc801\uae08\uc744 \uc911\ub3c4\ud574\uc9c0\ud558\uac70\ub098 \ub300\ucd9c\uc744 \ubc1b\uc744 \ud544\uc694\uac00 \uc5c6\uc2b5\ub2c8\ub2e4. \ud30c\ud0b9\ud1b5\uc7a5\uc774\ub098 CMA\ud1b5\uc7a5\uc744 \ud65c\uc6a9\ud558\uba74 \uc785\ucd9c\uae08\uc774 \uc790\uc720\ub85c\uc6b0\uba74\uc11c\ub3c4 \uc774\uc790\ub97c \ubc1b\uc744 \uc218 \uc788\uc5b4 \ube44\uc0c1\uae08 \ubcf4\uad00\uc5d0 \uc801\ud569\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5\ub2e8\uacc4: \ud22c\uc790\ud1b5\uc7a5 \ubd84\ub9ac\ud558\uae30 (\uc120\ud0dd)<\/h3>\n\n\n\n<p>\uc5ec\uc720\uac00 \uc788\ub2e4\uba74 \ud22c\uc790 \uc804\uc6a9 \ud1b5\uc7a5\uc744 \ubcc4\ub3c4\ub85c \ub9cc\ub4dc\ub294 \uac83\ub3c4 \uc88b\uc2b5\ub2c8\ub2e4. \uc99d\uad8c\uc0ac \uacc4\uc88c\ub97c \uac1c\uc124\ud558\uace0 \ub9e4\ub2ec \uc77c\uc815 \uae08\uc561\uc744 ETF\ub098 \uc778\ub371\uc2a4 \ud380\ub4dc\uc5d0 \ud22c\uc790\ud558\ub294 \uc2dd\uc785\ub2c8\ub2e4. \ub2e4\ub9cc \ud22c\uc790\ub294 \ube44\uc0c1\uae08\uacfc \uae30\ubcf8 \uc800\ucd95\uc774 \ud655\ubcf4\ub41c \ub4a4\uc5d0 \uc2dc\uc791\ud558\ub294 \uac83\uc774 \uc548\uc804\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud1b5\uc7a5 \ucabc\uac1c\uae30 \ud1b5\uc7a5\ubcc4 \uc5ed\ud560 \uc815\ub9ac<\/h2>\n\n\n\n<p>\ud1b5\uc7a5 \ucabc\uac1c\uae30\uc5d0\uc11c \uac01 \ud1b5\uc7a5\uc774 \uc5b4\ub5a4 \uc5ed\ud560\uc744 \ud558\ub294\uc9c0 \ud45c\ub85c \uc815\ub9ac\ud558\uba74 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>\ud1b5\uc7a5<\/strong><\/td><td><strong>\uc5ed\ud560<\/strong><\/td><td><strong>\ucd94\ucc9c \uc0c1\ud488<\/strong><\/td><td><strong>\uc6d4 \ube44\uc728 (\uc608\uc2dc)<\/strong><\/td><\/tr><tr><td><strong>\uae09\uc5ec\ud1b5\uc7a5<\/strong><\/td><td>\uc6d4\uae09 \uc218\ub839 \ubc0f \ubd84\ubc30<\/td><td>\uae09\uc5ec\uc774\uccb4 \uc6b0\ub300\uae08\ub9ac \ud1b5\uc7a5<\/td><td>&#8211;<\/td><\/tr><tr><td><strong>\uc0dd\ud65c\ube44\ud1b5\uc7a5<\/strong><\/td><td>\uace0\uc815\uc9c0\ucd9c + \ubcc0\ub3d9\uc9c0\ucd9c<\/td><td>\uccb4\ud06c\uce74\ub4dc \uc5f0\uacb0 \ud1b5\uc7a5<\/td><td>\uc6d4\uae09\uc758 50~60%<\/td><\/tr><tr><td><strong>\uc800\ucd95\ud1b5\uc7a5<\/strong><\/td><td>\uc801\uae08\/\uc608\uae08\uc73c\ub85c \uc885\uc790\ub3c8 \ub9cc\ub4e4\uae30<\/td><td>\uc815\uae30\uc801\uae08 \ub610\ub294 \uc815\uae30\uc608\uae08<\/td><td>\uc6d4\uae09\uc758 20~30%<\/td><\/tr><tr><td><strong>\ube44\uc0c1\uae08\ud1b5\uc7a5<\/strong><\/td><td>\uc608\uc0c1\uce58 \ubabb\ud55c \uc9c0\ucd9c \ub300\ube44<\/td><td>\ud30c\ud0b9\ud1b5\uc7a5 \ub610\ub294 CMA<\/td><td>\ubaa9\ud45c\uae08\uc561 \ub3c4\ub2ec \uc2dc\uae4c\uc9c0<\/td><\/tr><tr><td><strong>\ud22c\uc790\ud1b5\uc7a5<\/strong><\/td><td>\uc7a5\uae30 \uc790\uc0b0 \uc131\uc7a5<\/td><td>\uc99d\uad8c\uc0ac \uacc4\uc88c (ETF\/\ud380\ub4dc)<\/td><td>\uc6d4\uae09\uc758 10~20%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud1b5\uc7a5 \ucabc\uac1c\uae30 \uc2e4\uc804 \uc608\uc2dc: \uc6d4\uae09 250\ub9cc \uc6d0\uc778 \uacbd\uc6b0<\/h2>\n\n\n\n<p>\uc6d4\uae09 250\ub9cc \uc6d0\uc744 \ubc1b\ub294 \uc0ac\ud68c\ucd08\ub144\uc0dd\uc744 \uae30\uc900\uc73c\ub85c \ud1b5\uc7a5 \ucabc\uac1c\uae30\ub97c \uc801\uc6a9\ud558\uba74 \ub2e4\uc74c\uacfc \uac19\uc774 \ubd84\ubc30\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>\ud1b5\uc7a5<\/strong><\/td><td><strong>\uae08\uc561<\/strong><\/td><td><strong>\uc124\uba85<\/strong><\/td><\/tr><tr><td><strong>\uc0dd\ud65c\ube44\ud1b5\uc7a5<\/strong><\/td><td>130\ub9cc \uc6d0 (52%)<\/td><td>\uc6d4\uc138\/\uc2dd\ube44\/\uad50\ud1b5\ube44\/\ud1b5\uc2e0\ube44 \ub4f1<\/td><\/tr><tr><td><strong>\uc800\ucd95\ud1b5\uc7a5 (\uc801\uae08)<\/strong><\/td><td>50\ub9cc \uc6d0 (20%)<\/td><td>1\ub144 \ud6c4 600\ub9cc \uc6d0 + \uc774\uc790<\/td><\/tr><tr><td><strong>\ube44\uc0c1\uae08\ud1b5\uc7a5<\/strong><\/td><td>40\ub9cc \uc6d0 (16%)<\/td><td>6\uac1c\uc6d4\uce58 750\ub9cc \uc6d0 \ubaa9\ud45c<\/td><\/tr><tr><td><strong>\ud22c\uc790\ud1b5\uc7a5<\/strong><\/td><td>30\ub9cc \uc6d0 (12%)<\/td><td>ETF \uc801\ub9bd\uc2dd \ud22c\uc790<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\uc704 \ube44\uc728\uc740 \uc608\uc2dc\uc774\uba70, \ubcf8\uc778\uc758 \uace0\uc815 \uc9c0\ucd9c \uaddc\ubaa8\uc5d0 \ub530\ub77c \uc870\uc815\ud558\uba74 \ub429\ub2c8\ub2e4. \uc911\uc694\ud55c \uac83\uc740 \uc6d4\uae09\uc774 \ub4e4\uc5b4\uc624\ub294 \ub0a0 \uc790\ub3d9\uc774\uccb4\ub85c \ubd84\ubc30\ub418\ub3c4\ub85d \uc124\uc815\ud574\uc11c \uc758\uc9c0\ub825\uc5d0 \uc758\uc874\ud558\uc9c0 \uc54a\ub294 \uad6c\uc870\ub97c \ub9cc\ub4dc\ub294 \uac83\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud1b5\uc7a5 \ucabc\uac1c\uae30 \uc2dc \ud754\ud55c \uc2e4\uc218 3\uac00\uc9c0<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\ud1b5\uc7a5\uc744 \ub108\ubb34 \ub9ce\uc774 \ub9cc\ub4dc\ub294 \uac83: \ucc98\uc74c\uc5d0\ub294 3\uac1c\uc5d0\uc11c 4\uac1c\uba74 \ucda9\ubd84\ud569\ub2c8\ub2e4. \ud1b5\uc7a5\uc774 \ub108\ubb34 \ub9ce\uc73c\uba74 \uc624\ud788\ub824 \uad00\ub9ac\uac00 \ubcf5\uc7a1\ud574\uc838\uc11c \ud3ec\uae30\ud558\uac8c \ub429\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\ube44\ud604\uc2e4\uc801\uc778 \uc800\ucd95 \ube44\uc728 \uc124\uc815: \uc6d4\uae09\uc758 70\ud37c\uc13c\ud2b8\ub97c \uc800\ucd95\ud558\uaca0\ub2e4\ub294 \uacc4\ud68d\uc740 \uc624\ub798 \uc720\uc9c0\ud558\uae30 \uc5b4\ub835\uc2b5\ub2c8\ub2e4. \uc2e4\ud589 \uac00\ub2a5\ud55c \uae08\uc561\ubd80\ud130 \uc2dc\uc791\ud574\uc11c \uc810\uc810 \ub298\ub824\uac00\ub294 \uac83\uc774 \ud6a8\uacfc\uc801\uc785\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\ube44\uc0c1\uae08 \uc5c6\uc774 \ud22c\uc790\ubd80\ud130 \uc2dc\uc791\ud558\ub294 \uac83: \ube44\uc0c1\uae08\uc774 \uc5c6\uc73c\uba74 \uae09\ud55c \uc0c1\ud669\uc5d0\uc11c \uc801\uae08\uc744 \ud574\uc9c0\ud558\uac70\ub098 \ud22c\uc790 \uc790\uc0b0\uc744 \uc190\ud574 \ubcf4\uba70 \ud314\uc544\uc57c \ud569\ub2c8\ub2e4. \ubc18\ub4dc\uc2dc \ube44\uc0c1\uae08\uc744 \uba3c\uc800 \ud655\ubcf4\ud55c \ub4a4\uc5d0 \ud22c\uc790\ub97c \uc2dc\uc791\ud558\uc138\uc694.<\/li>\n<\/ol>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud1b5\uc7a5 \ucabc\uac1c\uae30\uc5d0 \uc720\uc6a9\ud55c \uae08\uc735 \uc0c1\ud488 \ucc3e\ub294 \ubc95<\/h2>\n\n\n\n<p>\ud1b5\uc7a5 \ucabc\uac1c\uae30\uc5d0 \uc0ac\uc6a9\ud560 \uae08\uc735 \uc0c1\ud488\uc744 \ube44\uad50\ud560 \ub54c\ub294 \uae08\uc735\uac10\ub3c5\uc6d0\uc758 <a href=\"https:\/\/finlife.fss.or.kr\" target=\"_blank\" rel=\"noopener\">\uae08\uc735\uc0c1\ud488\ud55c\ub208\uc5d0 \uc0ac\uc774\ud2b8<\/a>\ub97c \ud65c\uc6a9\ud558\uba74 \ud3b8\ub9ac\ud569\ub2c8\ub2e4. \uc2dc\uc911\uc740\ud589\ubd80\ud130 \uc800\ucd95\uc740\ud589, \uc778\ud130\ub137\uc804\ubb38\uc740\ud589\uae4c\uc9c0 \ub2e4\uc591\ud55c \uc608\uae08\uacfc \uc801\uae08 \uae08\ub9ac\ub97c \ud55c\ubc88\uc5d0 \ube44\uad50\ud560 \uc218 \uc788\uc5b4\uc11c \ub0b4\uac8c \ub9de\ub294 \uc0c1\ud488\uc744 \ucc3e\uae30 \uc27d\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud2b9\ud788 \uc801\uae08\uc740 \uc740\ud589\ubcc4\ub85c \uae08\ub9ac \ucc28\uc774\uac00 \ud06c\uae30 \ub54c\ubb38\uc5d0 \ubc18\ub4dc\uc2dc \uc5ec\ub7ec \uacf3\uc744 \ube44\uad50\ud574 \ubcf4\uc138\uc694. \uc778\ud130\ub137\uc804\ubb38\uc740\ud589\uc774\ub098 \uc800\ucd95\uc740\ud589\uc774 \uc2dc\uc911\uc740\ud589\ubcf4\ub2e4 \ub192\uc740 \uae08\ub9ac\ub97c \uc81c\uacf5\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ud1b5\uc7a5 \ucabc\uac1c\uae30\ub294 \uac70\ucc3d\ud55c \uc7ac\ud14c\ud06c \uc804\ub7b5\uc774 \uc544\ub2d9\ub2c8\ub2e4. \uadf8\uc800 \ud1b5\uc7a5 \uba87 \uac1c\ub97c \ub098\ub204\uace0 \uc790\ub3d9\uc774\uccb4\ub97c \uc124\uc815\ud558\ub294 \uac83\ub9cc\uc73c\ub85c\ub3c4 \ub3c8\uc758 \ud750\ub984\uc774 \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. \uc624\ub298 \ub2f9\uc7a5 30\ubd84\ub9cc \ud22c\uc790\ud558\uba74 \uc644\uc131\ud560 \uc218 \uc788\ub294 \ud1b5\uc7a5 \ucabc\uac1c\uae30, \uc9c0\uae08 \ubc14\ub85c \uc2dc\uc791\ud574 \ubcf4\uc138\uc694. \uc6d4\uae09\uc744 \ud1b5\uc81c\ud558\ub294 \uac00\uc7a5 \ud655\uc2e4\ud55c \uccab\uac78\uc74c\uc774 \ub420 \uac83\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc6d4\uae09\uc774 \ub4e4\uc5b4\uc624\uba74 \uc5b4\ub290\uc0c8 \uc0ac\ub77c\uc838 \uc788\ub294 \uacbd\ud5d8, \ub204\uad6c\ub098 \ud55c \ubc88\ucabd\uc740 \ud574\ubcf4\uc168\uc744 \uac83\uc785\ub2c8\ub2e4. \ubb38\uc81c\ub294 \ub3c8\uc744 \uc801\uac8c \ubc84\ub294 \uac83\uc774 \uc544\ub2c8\ub77c, \ub3c8\uc758 \ud750\ub984\uc744 \uad00\ub9ac\ud558\uc9c0 \uc54a\ub294 \uac83\uc5d0 \uc788\uc2b5\ub2c8\ub2e4. \ud1b5\uc7a5 \ucabc\uac1c\uae30\ub294 \uc774 \ubb38\uc81c\ub97c \ud574\uacb0\ud558\ub294 \uac00\uc7a5 \uac04\ub2e8\ud558\uace0 \ud6a8\uacfc\uc801\uc778 \ubc29\ubc95\uc785\ub2c8\ub2e4. \uc774 \uae00\uc5d0\uc11c\ub294 \ud1b5\uc7a5 \ucabc\uac1c\uae30 \ubc29\ubc95\uc744 5\ub2e8\uacc4\ub85c \ub098\ub204\uc5b4 \uc0ac\ud68c\ucd08\ub144\uc0dd\ub3c4 \ubc14\ub85c \uc2e4\ucc9c\ud560 \uc218 \uc788\ub3c4\ub85d \uc27d\uac8c \uc815\ub9ac\ud558\uaca0\uc2b5\ub2c8\ub2e4. \ud1b5\uc7a5 \ucabc\uac1c\uae30\ub780 \ubb34\uc5c7\uc778\uac00 \ud1b5\uc7a5 \ucabc\uac1c\uae30\ub780 \ud558\ub098\uc758 \ud1b5\uc7a5\uc5d0\uc11c \ubaa8\ub4e0 \ub3c8\uc744 &#8230; <a title=\"\ud1b5\uc7a5 \ucabc\uac1c\uae30 \ubc29\ubc95 5\ub2e8\uacc4 \u2013 \uc6d4\uae09\uc744 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