\ub9ac\uc9c0(Leverage)\ub294 \uc7ac\ubb34 \ubc0f \ud22c\uc790 \ubd84\uc57c\uc5d0\uc11c \uc790\uc0b0\uc774\ub098 \uc790\ubcf8\uc744 \ub354 \ud06c\uac8c \uc99d\ub300\uc2dc\ud0a4\uae30 \uc704\ud574 \ud0c0\uc778\uc758 \uc790\ubcf8\uc744 \ud65c\uc6a9\ud558\ub294 \uc804\ub7b5\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4. \uc989, \uc801\uc740 \uc790\ubcf8\uc73c\ub85c \ud070 \uc774\uc775\uc744 \uc5bb\uace0\uc790\ud558\ub294 \uc811\uadfc \ubc29\uc2dd\uc73c\ub85c \uc774\ud574\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub9ac\uc9c0\ub294 ‘\uc9c0\ub81b\ub300’\ub97c \uc758\ubbf8\ud558\uba70, \uae30\ubcf8\uc801\uc73c\ub85c \uc9c0\ub81b\ub300\ub97c \uc0ac\uc6a9\ud574 \ud070 \ud798\uc744 \ud65c\uc6a9\ud558\ub294 \uc6d0\ub9ac\uc640 \uc720\uc0ac\ud569\ub2c8\ub2e4.\uae30\uc5c5\uc758 \ucee8\ud14d\uc2a4\ud2b8\uc5d0\uc11c\ub294 \ub9ac\uc9c0\ub294 \uc8fc\ub85c \ubd80\ucc44\ub97c \ud1b5\ud574 \uc790\ubcf8\uc744 \uc99d\uac00\uc2dc\ud0a4\ub294 \uac83\uc774\uba70, \uc774\ub97c \ud1b5\ud574 \uae30\uc5c5\uc740 \ub354 \ub192\uc740 \uc218\uc775\uc744 \uc62c\ub9b4 \uc218 \uc788\uc9c0\ub9cc, \ub3d9\uc2dc\uc5d0 \uc704\ud5d8\ub3c4 \uc99d\uac00\ud569\ub2c8\ub2e4. \ud2b9\ud788 \uae08\uc735\uc2dc\uc7a5\uc5d0\uc11c\uc758 \ud22c\uc790\uc5d0 \uc788\uc5b4 \ub9ac\uc9c0\ub294 \ud22c\uc790\uc790\uac00 \uc790\uc2e0\uc758 \uc790\ubcf8 \uc678\uc5d0\ub3c4 \ucd94\uac00 \uc790\ubcf8\uc744 \ube4c\ub824\uc11c \ud22c\uc790\ub97c \ud655\ub300\ud560 \uc218 \uc788\uac8c \ud574\uc918 \uc218\uc775\uc131\uc744 \ub192\uc774\uc9c0\ub9cc, \uc190\uc2e4\ub3c4 \uc99d\ud3ed\uc2dc\ud0ac \uc218 \uc788\ub294 \ud2b9\uc131\uc774 \uc788\uc2b5\ub2c8\ub2e4.\ub9ac\uc9c0\ub97c \ud65c\uc6a9\ud558\ub294 \ubc29\ubc95\uc5d0\ub294 \uc5ec\ub7ec \uac00\uc9c0\uac00 \uc788\uc73c\uba70, \uae08\uc735 \ud30c\uc0dd\uc0c1\ud488, \ubd80\ub3d9\uc0b0 \ud22c\uc790, \uae30\uc5c5 \uc778\uc218 \ub4f1 \ub2e4\uc591\ud55c \uc601\uc5ed\uc5d0\uc11c \uc0ac\uc6a9\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uc8fc\uc2dd \uac70\ub798\uc5d0\uc11c\ub294 \uc99d\uac70\uae08\uc744 \ud1b5\ud574 \ub9ac\uc9c0\ub97c \ud65c\uc6a9\ud560 \uc218 \uc788\uc73c\uba70, \uc774\ub85c \uc778\ud574 \uc801\uc740 \ub3c8\uc73c\ub85c\ub3c4 \ud070 \uac70\ub798\ub97c \ud560 \uc218 \uc788\uc9c0\ub9cc, \uc2dc\uc7a5\uc758 \ubcc0\ub3d9\uc131\uc774 \ud074 \uacbd\uc6b0 \ud070 \uc190\uc2e4\uc744 \ucd08\ub798\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\uacb0\ub860\uc801\uc73c\ub85c, \ub9ac\uc9c0\ub294 \uc801\uc808\ud788 \ud65c\uc6a9\ub420 \uacbd\uc6b0 \ub192\uc740 \uc218\uc775\uc744 \ucc3d\ucd9c\ud560 \uc218 \uc788\ub294 \uc218\ub2e8\uc774\uc9c0\ub9cc, \uadf8\ub9cc\ud07c \uc704\ud5d8 \uad00\ub9ac\uac00 \uc911\uc694\ud558\uba70 \ud22c\uc790\uc790\ub294 \uc2e0\uc911\ud558\uac8c \uc811\uadfc\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n
\ub9ac\uc9c0(\ub85c\ub9c8\uc790: Lijiang)\ub294 \uc911\uad6d \uc708\ub09c\uc131\uc5d0 \uc704\uce58\ud55c \uc5ed\uc0ac\uc801\uc778 \ub3c4\uc2dc\ub85c, \ud48d\ubd80\ud55c \ubb38\ud654\uc720\uc0b0\uacfc \uc544\ub984\ub2e4\uc6b4 \uc790\uc5f0\uacbd\uad00\uc73c\ub85c \uc720\uba85\ud558\ub2e4. \ub9ac\uc9c0\ub294 \uc57d 1,300\ub144\uc758 \uc5ed\uc0ac\ub97c \uac00\uc9c0\uace0 \uc788\uc73c\uba70, \uc6d0\uc8fc\uc728\uc740 \uc774 \ub3c4\uc2dc\uc758 \ubc1c\uc804\uc5d0 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud588\ub2e4. 1997\ub144 \uc720\ub124\uc2a4\ucf54 \uc138\uacc4\uc720\uc0b0\uc73c\ub85c \ub4f1\ub85d\ub41c \uad6c\uc2dc\uac00\uc9c0\uc778 \ub9ac\uc7a5 \uace0\uc131\uc740 \ud2b9\ud788 \uc8fc\ubaa9\ubc1b\ub294\ub2e4. \uace0\ub300 \ub09c\uc8fc(\u5357\u8bcf) \uc655\uad6d\uc758 \uc218\ub3c4\ub85c\uc11c, \ub9ac\uc9c0\ub294 \ub0a8\uc911\uad6d \ud574\uc640 \ud2f0\ubca0\ud2b8 \uace0\uc6d0 \uac04\uc758 \uc911\uc694\ud55c \uc0c1\uc5c5 \ub8e8\ud2b8\uc5d0 \uc790\ub9ac\uc7a1\uace0 \uc788\uc5c8\ub2e4. \uc774\ub85c \uc778\ud574 \ub9ac\uc9c0\ub294 \ub2e4\uc591\ud55c \ubb38\ud654\uac00 \uc735\ud569\ub418\ub294 \uc7a5\uc774 \ub418\uc5c8\uc73c\uba70, \ud2b9\ud788 \ub098\uc2dc\uc871\uacfc \ubc14\uc774\uc871\uc758 \uc804\ud1b5\uacfc \ubb38\ud654\ub97c \uc798 \ubcf4\uc874\ud558\uace0 \uc788\ub2e4. \ub9ac\uc7a5\uc5d0\uc11c \ubc1c\uacac\ub41c \uc5ec\ub7ec \uc720\ubb3c\ub4e4\uc740 \uace0\ub300 \uc911\uad6d\uacfc \ub0a8\uc544\uc2dc\uc544 \ubc0f \ud2f0\ubca0\ud2b8 \uac04\uc758 \uad50\ub958\ub97c \ubcf4\uc5ec\uc900\ub2e4. \ud604\ub300\uc5d0 \ub4e4\uc5b4\uc11c \ub9ac\uc9c0\ub294 \uad00\uad11\uc9c0\ub85c\uc11c \uadf8 \uc704\uc0c1\uc774 \ub192\uc544\uc9c0\uba74\uc11c, \uacfc\uac70\uc758 \uc5ed\uc0ac\uc640 \ubb38\ud654\ub97c \ud604\ub300\uc640 \uc5f0\uacb0\ud558\ub294 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud558\uace0 \uc788\ub2e4.<\/p>\n
\ub9ac\uc9c0\ub294 \uc5ec\ub7ec \uac00\uc9c0 \uae30\uc900\uc5d0 \ub530\ub77c \ubd84\ub958\ub420 \uc218 \uc788\uc73c\uba70, \uc8fc\ub85c \uc0dd\ubb3c\ud559\uc801, \uae30\ud6c4\uc801, \ud658\uacbd\uc801, \uadf8\ub9ac\uace0 \uc9c0\ub9ac\uc801 \uc694\uc18c\uc5d0 \uae30\ubc18\ud55c \uc720\ud615\ub4e4\uc774 \uc788\uc2b5\ub2c8\ub2e4. 1. \uc0dd\ubb3c\ud559\uc801 \ub9ac\uc9c0: \uc0dd\ubb3c\ud559\uc801 \ub9ac\uc9c0\ub294 \ud2b9\uc815 \uc0dd\ubb3c\uc774 \uc790\uc0dd\ud558\uac70\ub098 \uc8fc\ub85c \ubc1c\uacac\ub418\ub294 \uc9c0\uc5ed\uc73c\ub85c, \uc774\ub294 \uc0dd\ubb3c\uc758 \uc11c\uc2dd\uc9c0\uc640 \uc5f0\uad00\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc5f4\ub300\uc6b0\ub9bc \ub9ac\uc9c0\ub294 \uc5f4\ub300\uae30\ud6c4\uc5d0\uc11c \uc790\uc8fc \ubc1c\uacac\ub418\uba70, \ub2e4\uc591\ud55c \ub3d9\uc2dd\ubb3c\uc774 \uacf5\uc874\ud569\ub2c8\ub2e4.2. \uae30\ud6c4\uc801 \ub9ac\uc9c0: \uae30\ud6c4\uc5d0 \ub530\ub77c \ub098\ub20c \uc218 \uc788\ub294 \uc720\ud615\uc73c\ub85c, \uc608\ub97c \ub4e4\uc5b4 \uc628\ub300, \uc544\uc5f4\ub300, \ub0c9\ub300 \ub9ac\uc9c0 \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uac01 \uae30\ud6c4\ub294 \ud2b9\uc815\ud55c \uc2dd\ubb3c \uad70\ub77d\uacfc \ub3d9\ubb3c\uc0c1\uc744 \ud615\uc131\ud569\ub2c8\ub2e4.3. \ud658\uacbd\uc801 \ub9ac\uc9c0: \ud658\uacbd\uc801 \uc694\uc778\uc5d0 \ub530\ub978 \ub9ac\uc9c0\ub294 \uc778\uc704\uc801 \ub610\ub294 \uc790\uc5f0\uc801 \uc694\uc778\uc5d0 \ub530\ub77c \uad6c\ubd84\ub429\ub2c8\ub2e4. \uc778\uac04\uc758 \ud65c\ub3d9\uc774 \uc544\ub2c8\ub77c \uc790\uc5f0 \ud658\uacbd\uc5d0 \uc758\ud574 \ud615\uc131\ub41c \ub9ac\uc9c0\ub3c4 \ud3ec\ud568\ub429\ub2c8\ub2e4.4. \uc9c0\ub9ac\uc801 \ub9ac\uc9c0: \uc9c0\ub9ac\uc801 \uc694\uc18c\ub098 \uc9c0\ud615\uc5d0 \ub530\ub77c\uc11c\ub3c4 \ub9ac\uc9c0\ub97c \ubd84\ub958\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc0b0\uc545 \ub9ac\uc9c0, \ud3c9\uc6d0 \ub9ac\uc9c0, \ud574\uc591 \ub9ac\uc9c0 \ub4f1\uc740 \ud2b9\uc815\ud55c \uc9c0\ub9ac\uc801 \ud2b9\uc131\uc744 \ubc14\ud0d5\uc73c\ub85c \ud615\uc131\ub429\ub2c8\ub2e4.\uacb0\ub860\uc801\uc73c\ub85c \ub9ac\uc9c0\ub294 \ud658\uacbd\uacfc \uc0dd\ud0dc\uacc4\uc758 \ubcf5\uc7a1\ud55c \uc0c1\ud638\uc791\uc6a9\uc744 \ubc18\uc601\ud558\uba70, \uac01 \uc720\ud615\uc740 \uadf8 \uc9c0\uc5ed\uc758 \ud2b9\uc815\ud55c \uc0dd\ubb3c\uad70 \ubc0f \uae30\ud6c4\uc640 \ubc00\uc811\ud55c \uad00\ub828\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n
\ub9ac\uc9c0\uc758 \uc8fc\uc694 \uc791\uc131 \uc6d0\uce59\uc740 \uba85\ud655\uc131, \uac04\uacb0\uc131, \uc77c\uad00\uc131, \uacf5\uc815\uc131\uc744 \ud3ec\ud568\ud569\ub2c8\ub2e4. \uccab\uc9f8, \uba85\ud655\uc131\uc740 \ub3c5\uc790\uac00 \ub0b4\uc6a9\uc744 \uc27d\uac8c \uc774\ud574\ud560 \uc218 \uc788\ub3c4\ub85d \uc791\uc131\ud558\ub294 \uac83\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4. \ub458\uc9f8, \uac04\uacb0\uc131\uc740 \ubd88\ud544\uc694\ud55c \uc815\ubcf4\ub97c \uc790\uc81c\ud558\uace0 \ud575\uc2ec \ub0b4\uc6a9\ub9cc \uc804\ub2ec\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uc14b\uc9f8, \uc77c\uad00\uc131\uc740 \uc804\ubc18\uc801\uc73c\ub85c \ub3d9\uc77c\ud55c \uc2a4\ud0c0\uc77c\uacfc \ud1a4\uc744 \uc720\uc9c0\ud558\uba70 \uc815\ubcf4\uac00 \uc77c\uce58\ud574\uc57c \ud55c\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4. \ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uacf5\uc815\uc131\uc740 \ub2e4\uc591\ud55c \uad00\uc810\uc744 \uc874\uc911\ud558\uace0 \uc911\ub9bd\uc801\uc778 \uc785\uc7a5\uc5d0\uc11c \uc815\ubcf4\ub97c \uc81c\uacf5\ud558\ub294 \uac83\uc744 \uac15\uc870\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc6d0\uce59\uc740 \ub3c5\uc790\uac00 \ud544\uc694\ud55c \uc815\ubcf4\ub97c \ud6a8\uacfc\uc801\uc73c\ub85c \uc804\ub2ec\ubc1b\uc744 \uc218 \uc788\ub3c4\ub85d \ub3c4\uc640\uc90d\ub2c8\ub2e4.<\/p>\n
\ub9ac\uc9c0 \uc791\uc131 \uc2dc \uc720\uc758\uc0ac\ud56d\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4. \uccab\uc9f8, \uba85\ud655\ud558\uace0 \uac04\uacb0\ud55c \ubb38\uc7a5 \uad6c\uc131\uc744 \uc720\uc9c0\ud574\uc57c \ud569\ub2c8\ub2e4. \ub3c5\uc790\uac00 \uc27d\uac8c \uc774\ud574\ud560 \uc218 \uc788\ub3c4\ub85d \ubcf5\uc7a1\ud55c \ud45c\ud604\uc740 \ud53c\ud558\uace0 \uc9c1\uad00\uc801\uc778 \uc5b8\uc5b4\ub97c \uc0ac\uc6a9\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ub458\uc9f8, \uc0ac\uc2e4\uc5d0 \uae30\ubc18\ud55c \uc815\ubcf4 \uc81c\uacf5\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc2e0\ub8b0\ud560 \uc218 \uc788\ub294 \ucd9c\ucc98\uc5d0\uc11c \ud655\uc778\ub41c \ub370\uc774\ud130\ub97c \uc778\uc6a9\ud558\uc5ec \ub3c5\uc790\uc758 \uc2e0\ub8b0\ub97c \uc5bb\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uc14b\uc9f8, \uc801\uc808\ud55c \ud615\uc2dd\uacfc \uad6c\uc870\ub97c \uac16\ucd94\uc5b4\uc57c \ud569\ub2c8\ub2e4. \uc81c\ubaa9, \ubd80\uc81c\ubaa9, \ubaa9\ub85d \ub4f1\uc744 \ud65c\uc6a9\ud558\uc5ec \uac00\ub3c5\uc131\uc744 \ub192\uc774\ub294 \uac83\uc774 \ud6a8\uacfc\uc801\uc785\ub2c8\ub2e4. \ub137\uc9f8, \ud45c\uc808\uc744 \ud53c\ud574\uc57c \ud569\ub2c8\ub2e4. \ub2e4\ub978 \uc0ac\ub78c\uc758 \uc791\uc131\ubb3c\uc744 \uadf8\ub300\ub85c \uc0ac\uc6a9\ud558\uc9c0 \uc54a\uace0, \uc790\uc2e0\uc758 \uc0dd\uac01\uc73c\ub85c \uc7ac\uad6c\uc131\ud558\ub294 \uac83\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \ub9c8\uc9c0\ub9c9\uc73c\ub85c, \ub9ac\uc9c0\ub97c \uc791\uc131\ud55c \ud6c4\uc5d0\ub294 \ubc18\ub4dc\uc2dc \uad50\uc815\uc744 \ud1b5\ud574 \ubb38\ubc95\uacfc \ucca0\uc790 \uc624\ub958\ub97c \uccb4\ud06c\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc720\uc758\uc0ac\ud56d\uc744 \uc798 \uc9c0\ud0a8\ub2e4\uba74 \ubcf4\ub2e4 \ub6f0\uc5b4\ub09c \ub9ac\uc9c0\ub97c \uc791\uc131\ud560 \uc218 \uc788\uc744 \uac83\uc785\ub2c8\ub2e4.<\/p>\n
\ub9ac\uc9c0(Lease)\uc640 \uad00\ub828\ub41c \ubc95\uc801 \uaddc\uc815\uc740 \uc8fc\ub85c \uc784\ub300\ucc28 \uacc4\uc57d\uc744 \ud1b5\ud574 \uc774\ub8e8\uc5b4\uc9c0\uba70, \uc774\ub294 \ubbfc\ubc95 \ub4f1\uc5d0\uc11c \uaddc\uc815\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub300\ud55c\ubbfc\uad6d \ubbfc\ubc95 \uc81c623\uc870\ubd80\ud130 \uc81c638\uc870\uae4c\uc9c0\ub294 \uc784\ub300\ucc28\uc5d0 \uad00\ud55c \uaddc\uc815\uc744 \ud3ec\ud568\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uc870\ud56d\ub4e4\uc740 \uc784\ub300\uc778\uc758 \uad8c\ub9ac\uc640 \uc758\ubb34, \uc784\ucc28\uc778\uc758 \uad8c\ub9ac\uc640 \uc758\ubb34, \uc784\ub300\ucc28 \uacc4\uc57d\uc758 \ud6a8\ub825 \ubc0f \uc885\ub8cc \ub4f1\uc5d0 \ub300\ud55c \ub0b4\uc6a9\uc744 \ub2f4\uace0 \uc788\uc2b5\ub2c8\ub2e4.\uc608\ub97c \ub4e4\uc5b4, \uc784\ub300\uc778\uc740 \ubd80\ub3d9\uc0b0\uc744 \uc784\ub300\ud558\uba74\uc11c \uc548\uc804\ud55c \uc0ac\uc6a9\uc744 \ubcf4\uc7a5\ud558\uace0, \uc784\ucc28\uc778\uc740 \uc784\ub300\ub8cc\ub97c \uc815\ud574\uc9c4 \uae30\ud55c \ub0b4\uc5d0 \uc9c0\uae09\ud560 \uc758\ubb34\uac00 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \uc784\ub300\ucc28 \uacc4\uc57d\uc740 \uc6d0\uce59\uc801\uc73c\ub85c \uad6c\ub450 \ub610\ub294 \uc11c\uba74\uc73c\ub85c \uccb4\uacb0\ud560 \uc218 \uc788\uc73c\uba70, \ub2e8\uae30 \uc784\ub300\ucc28\ub294 \uad6c\ub450\uacc4\uc57d\uc73c\ub85c\ub3c4 \uc720\ud6a8\ud558\uc9c0\ub9cc, \uc7a5\uae30 \uc784\ub300\ucc28\uc758 \uacbd\uc6b0 \uc11c\uba74\uacc4\uc57d\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4.\ud2b9\ud788, \uc8fc\ud0dd \uc784\ub300\ucc28\uc758 \uacbd\uc6b0 \uc8fc\ud0dd\uc784\ub300\ucc28\ubcf4\ud638\ubc95\uc5d0 \ub530\ub77c \uc784\ucc28\uc778\uc744 \ubcf4\ud638\ud558\uae30 \uc704\ud55c \uc5ec\ub7ec \uac00\uc9c0 \uaddc\uc815\uc774 \ub9c8\ub828\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc784\ub300\ucc28 \uacc4\uc57d\uc774 \uc885\ub8cc\ub420 \ub54c \uc784\ucc28\uc778\uc740 \uc77c\uc815 \uae30\uac04 \ub0b4\uc5d0 \uc774\uc0ac\ud560 \uc218 \uc788\ub294 \uad8c\ub9ac\uac00 \uc788\uc73c\uba70, \uc804\uc138\uae08\uc744 \ub3cc\ub824\ubc1b\uc744 \uc218 \uc788\ub294 \uad8c\ub9ac\ub3c4 \ud3ec\ud568\ub429\ub2c8\ub2e4.\uc774\ub7f0 \ubc95\uc801 \uaddc\uc815\uc740 \uc784\ub300\ucc28 \uad00\uacc4\uc758 \uc548\uc815\uc131\uc744 \ub192\uc774\uba70, \uc784\ub300\uc778\uacfc \uc784\ucc28\uc778 \uac04\uc758 \ubd84\uc7c1\uc744 \ucd5c\uc18c\ud654\ud558\ub294\ub370 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \ub530\ub77c\uc11c \ubc95\uc801 \uaddc\uc815\uc744 \ucda9\ubd84\ud788 \uc774\ud574\ud558\uace0 \uc900\uc218\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n
\ub9ac\uc9c0(RIZI)\ub294 \ucd5c\uadfc \ub2e4\uc591\ud55c \ubd84\uc57c\uc5d0\uc11c \ud65c\uc6a9\ub418\uace0 \uc788\uc73c\uba70, \ud2b9\ud788 \uc778\uacf5\uc9c0\ub2a5, \ub370\uc774\ud130 \ubd84\uc11d, \uadf8\ub9ac\uace0 \uc790\ub3d9\ucc28 \uc0b0\uc5c5 \ub4f1\uc5d0\uc11c \ub450\ub4dc\ub7ec\uc9c4 \uc131\uacfc\ub97c \ubcf4\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uba3c\uc800, \uc778\uacf5\uc9c0\ub2a5 \ubd84\uc57c\uc5d0\uc11c\ub294 \ub9ac\uc9c0\uac00 \uc790\uc5f0\uc5b4 \ucc98\ub9ac(NLP) \ubaa8\ub378\uc744 \uac1c\ubc1c\ud558\uc5ec \uace0\uac1d\uc758 \ubb38\uc758\ub97c \uc790\ub3d9\uc73c\ub85c \ucc98\ub9ac\ud558\ub294 \ucc57\ubd07 \uc2dc\uc2a4\ud15c\uc5d0 \uc801\uc6a9\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \uae30\uc5c5\uc740 \uc778\uac74\ube44 \uc808\uac10\uacfc \ud568\uaed8 \uc11c\ube44\uc2a4 \ud488\uc9c8\uc744 \ud5a5\uc0c1\uc2dc\ud0a4\uace0 \uc788\uc2b5\ub2c8\ub2e4.\ub370\uc774\ud130 \ubd84\uc11d\uc5d0\uc11c\ub294 \ub9ac\uc9c0\uac00 \ub300\uaddc\ubaa8 \ub370\uc774\ud130\uc14b\uc5d0\uc11c \ud328\ud134\uc744 \ucd94\ucd9c\ud558\uace0 \uc608\uce21 \ubaa8\ub378\uc744 \uc0dd\uc131\ud558\ub294 \ub370 \uc0ac\uc6a9\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uace0\uac1d\uc758 \uad6c\ub9e4 \uc774\ub825\uc744 \ubd84\uc11d\ud558\uc5ec \uac1c\uc778 \ub9de\ucda4\ud615 \ub9c8\ucf00\ud305 \uc804\ub7b5\uc744 \uc218\ub9bd\ud558\ub294 \ub370 \ud070 \ub3c4\uc6c0\uc774 \ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc811\uadfc\ubc95\uc740 \uae30\uc5c5\uc758 \ub9e4\ucd9c\uc744 \uc99d\uac00\uc2dc\ud0a4\ub294 \ub370 \uae30\uc5ec\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uc790\ub3d9\ucc28 \uc0b0\uc5c5\uc5d0\uc11c\ub294 \ub9ac\uc9c0\uac00 \uc790\uc728\uc8fc\ud589\ucc28\uc758 \ud575\uc2ec \uae30\uc220\ub85c \uc790\ub9ac\uc7a1\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub9ac\uc9c0\ub294 \uc2e4\uc2dc\uac04\uc73c\ub85c \ub3c4\ub85c \uc0c1\ud669\uc744 \ubd84\uc11d\ud558\uace0 \ucc28\ub7c9\uc758 \uc6c0\uc9c1\uc784\uc744 \ucd5c\uc801\ud654\ud558\ub294 \uc54c\uace0\ub9ac\uc998\uc744 \uc81c\uacf5\ud558\uc5ec, \ubcf4\ub2e4 \uc548\uc804\ud558\uace0 \ud6a8\uc728\uc801\uc778 \uc790\uc728\uc8fc\ud589\uc744 \uac00\ub2a5\ud558\uac8c \ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.\uc774\ucc98\ub7fc \ub9ac\uc9c0\ub294 \ub2e4\uc591\ud55c \uc0b0\uc5c5\uc5d0\uc11c \ud601\uc2e0\uc744 \uc774\ub04c\uba70 \uadf8 \ud65c\uc6a9 \uac00\ub2a5\uc131\uc744 \uacc4\uc18d\ud574\uc11c \ud655\uc7a5\ud574 \ub098\uac00\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n
\ub9ac\uc9c0(Risk-Weighted Asset, RWA)\uc640 \ub370\uc774\ud130\ub294 \uae08\uc735 \uc0b0\uc5c5\uc5d0\uc11c \uc0c1\ud638 \uc5f0\uad00\ub41c \uac1c\ub150\uc73c\ub85c, \ub9ac\uc9c0\ub294 \uae08\uc735 \uae30\uad00\uc774 \ubcf4\uc720\ud55c \uc790\uc0b0\uc758 \uc704\ud5d8\uc744 \ud3c9\uac00\ud558\uace0 \uad00\ub9ac\ud558\ub294 \ub370 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \ub9ac\uc9c0\ub294 \uc790\uc0b0\uc758 \uc704\ud5d8\ub3c4\uc5d0 \uae30\ubc18\ud558\uc5ec \uac00\uc911\uce58\ub97c \ubd80\uc5ec\ud558\uc5ec \uc704\ud5d8\uc774 \ub192\uc740 \uc790\uc0b0\uc5d0\ub294 \ub354 \ub192\uc740 \ube44\uc728\uc744 \uc801\uc6a9\ud558\uace0, \ub0ae\uc740 \uc704\ud5d8 \uc790\uc0b0\uc5d0\ub294 \ub354 \ub0ae\uc740 \ube44\uc728\uc744 \uc801\uc6a9\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uacc4\uc0b0\uc740 \uae08\uc735 \uae30\uad00\uc774 \uaddc\uc81c \uc694\uad6c \uc0ac\ud56d\uc744 \ucda9\uc871\ud558\uace0 \uc790\ubcf8 \ucda9\uc871\ub960\uc744 \uc720\uc9c0\ud558\ub294 \ub370 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.\ub370\uc774\ud130\ub294 \uc774\ub7ec\ud55c \ub9ac\uc9c0 \ud3c9\uac00 \uacfc\uc815\uc758 \uae30\ucd08\uac00 \ub429\ub2c8\ub2e4. \uae08\uc735 \uae30\uad00\uc740 \ub2e4\uc591\ud55c \ub370\uc774\ud130\ub97c \uc218\uc9d1\ud558\uace0 \ubd84\uc11d\ud558\uc5ec \uc790\uc0b0\uc758 \uc704\ud5d8\ub3c4\ub97c \ud3c9\uac00\ud558\uace0, \uc774\ub97c \ubc14\ud0d5\uc73c\ub85c \uc801\uc808\ud55c \ub9ac\uc9c0\ub97c \uacc4\uc0b0\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ucc44\ubb34\uc790\uc758 \uc2e0\uc6a9\ub3c4, \uc2dc\uc7a5 \ubcc0\ub3d9\uc131, \uacbd\uc81c \uc0c1\ud669 \ub4f1\uc744 \ud3ec\ud568\ud55c \ub370\uc774\ud130\ub294 \ub9ac\uc9c0 \uacc4\uc0b0\uc758 \ud575\uc2ec \uc694\uc18c\uc785\ub2c8\ub2e4. \ub530\ub77c\uc11c, \uc2e0\ub8b0\ud560 \uc218 \uc788\ub294 \ub370\uc774\ud130\ub294 \uae08\uc735 \uae30\uad00\uc774 \ud6a8\uc728\uc801\uc73c\ub85c \ub9ac\uc2a4\ud06c\ub97c \uad00\ub9ac\ud558\uace0 \uc790\ubcf8\uc744 \uc801\uc808\ud788 \ubc30\ubd84\ud558\ub294 \ub370 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.\uacb0\ub860\uc801\uc73c\ub85c, \ub9ac\uc9c0\uc640 \ub370\uc774\ud130\ub294 \uae08\uc735 \uae30\uad00\uc774 \uc548\uc815\uc131\uc744 \uc720\uc9c0\ud558\uace0 \uaddc\uc81c \uc694\uac74\uc744 \ucda9\uc871\ud558\ub294 \ub370 \uc788\uc5b4 \ubc00\uc811\ud55c \uad00\uacc4\ub97c \uac00\uc9c0\uace0 \uc788\uc73c\uba70, \ub370\uc774\ud130\uc758 \ud488\uc9c8\uacfc \uc815\ud655\uc131\uc740 \ub9ac\uc9c0 \uad00\ub9ac\uc758 \ud6a8\uacfc\uc131\uc744 \uacb0\uc815\uc9d3\ub294 \uc911\uc694\ud55c \uc694\uc18c\uc785\ub2c8\ub2e4.<\/p>\n
\ub9ac\uc9c0 \uad00\ub9ac \uc2dc\uc2a4\ud15c(LM, Lease Management System)\uc740 \ubd80\ub3d9\uc0b0 \uc790\uc0b0\uc744 \ud6a8\uc728\uc801\uc73c\ub85c \uad00\ub9ac\ud558\uae30 \uc704\ud55c \ub3c4\uad6c\ub85c, \uc5ec\ub7ec \uc885\ub958\uac00 \uc874\uc7ac\ud569\ub2c8\ub2e4. \uc77c\ubc18\uc801\uc73c\ub85c \ub2e4\uc74c\uacfc \uac19\uc740 \uc885\ub958\ub85c \ub098\ub20c \uc218 \uc788\uc2b5\ub2c8\ub2e4.1. **\uc0c1\uc5c5\uc6a9 \ub9ac\uc9c0 \uad00\ub9ac \uc2dc\uc2a4\ud15c**: \uc8fc\ub85c \uae30\uc5c5\uc774\ub098 \ube44\uc988\ub2c8\uc2a4\uc758 \uc0c1\uc5c5\uc6a9 \ubd80\ub3d9\uc0b0\uc744 \uad00\ub9ac\ud558\ub294 \ub370 \uc0ac\uc6a9\ub429\ub2c8\ub2e4. \uc784\ub300\ub8cc \uc218\uae08, \uacc4\uc57d \uad00\ub9ac, \uc720\uc9c0\ubcf4\uc218 \uc694\uccad \ub4f1\uc744 \uc9c0\uc6d0\ud569\ub2c8\ub2e4.2. **\uc8fc\uac70\uc6a9 \ub9ac\uc9c0 \uad00\ub9ac \uc2dc\uc2a4\ud15c**: \uc544\ud30c\ud2b8\ub098 \uc8fc\ud0dd \ub4f1 \uc8fc\uac70\uc6a9 \ubd80\ub3d9\uc0b0\uc744 \uad00\ub9ac\ud558\ub294 \uc2dc\uc2a4\ud15c\uc785\ub2c8\ub2e4. \uc138\uc785\uc790\uc640\uc758 \uc18c\ud1b5, \uc6d4\uc138 \uccad\uad6c, \uc720\uc9c0\ubcf4\uc218 \uae30\ub85d \uad00\ub9ac \ub4f1\uc744 \ud3ec\ud568\ud569\ub2c8\ub2e4.3. **\ud504\ub79c\ucc28\uc774\uc988 \ub9ac\uc9c0 \uad00\ub9ac \uc2dc\uc2a4\ud15c**: \ud504\ub79c\ucc28\uc774\uc988 \uc0ac\uc5c5\uc790\ub4e4\uc774 \uc5ec\ub7ec \ub9e4\uc7a5\uc758 \uc784\ub300\ub97c \uad00\ub9ac\ud560 \uc218 \uc788\ub3c4\ub85d \ub3d5\ub294 \uc2dc\uc2a4\ud15c\uc785\ub2c8\ub2e4. \uac1c\ubcc4 \ub9e4\uc7a5 \uacc4\uc57d, \ub85c\uc5f4\ud2f0 \uacc4\uc0b0 \ub4f1\uc744 \uc9c0\uc6d0\ud569\ub2c8\ub2e4.4. **\ubd80\ub3d9\uc0b0 \uac1c\ubc1c \ub9ac\uc9c0 \uad00\ub9ac \uc2dc\uc2a4\ud15c**: \uc2e0\uaddc \uac1c\ubc1c \ud504\ub85c\uc81d\ud2b8\uc758 \uc784\ub300 \uad00\ub9ac\uc5d0 \ucd08\uc810\uc744 \ub9de\ucd98 \uc2dc\uc2a4\ud15c\uc785\ub2c8\ub2e4. \ud22c\uc790 \uad00\ub9ac, \uc9c4\ud589 \uc0c1\ud669 \ubaa8\ub2c8\ud130\ub9c1\uc744 \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.5. **\ud074\ub77c\uc6b0\ub4dc \ubca0\uc774\uc2a4 \ub9ac\uc9c0 \uad00\ub9ac \uc2dc\uc2a4\ud15c**: \ud074\ub77c\uc6b0\ub4dc \uae30\ubc18\uc73c\ub85c \uc81c\uacf5\ub418\uc5b4 \uc5b8\uc81c \uc5b4\ub514\uc11c\ub098 \uc811\uadfc\ud560 \uc218 \uc788\uc73c\uba70, \uc5c5\ub370\uc774\ud2b8\ub098 \uc720\uc9c0\ubcf4\uc218\uac00 \uc6a9\uc774\ud569\ub2c8\ub2e4. \ubcf4\uc548\uc774 \uac15\ud654\ub418\uc5b4 \uc788\ub294 \uacbd\uc6b0\uac00 \ub9ce\uace0, \ub370\uc774\ud130 \ubc31\uc5c5\uc774 \uc790\ub3d9\uc73c\ub85c \uc774\ub8e8\uc5b4\uc9c0\ub294 \uacbd\uc6b0\ub3c4 \ub9ce\uc2b5\ub2c8\ub2e4.\uc774 \uc678\uc5d0\ub3c4 \uac01\uac01\uc758 \ud544\uc694\uc640 \uc0ac\uc6a9\uc790\uc758 \uc694\uad6c\uc5d0 \ub9de\ucdb0 \ub2e4\uc591\ud55c \uc194\ub8e8\uc158\uc774 \uc9c0\uc18d\uc801\uc73c\ub85c \uac1c\ubc1c\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n
\ubbf8\ub798\uc758 \ub9ac\uc9c0 \uad00\ub9ac \ub3d9\ud5a5\uc740 \uae30\uc220 \ubc1c\uc804\uacfc \uc2dc\uc7a5 \ubcc0\ud654\uc5d0 \ub530\ub77c \uc0c1\ub2f9\ud788 \uae09\ubcc0\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uccab\uc9f8, \uc778\uacf5\uc9c0\ub2a5(AI)\uacfc \uba38\uc2e0\ub7ec\ub2dd \uae30\uc220\uc758 \ubc1c\uc804\uc73c\ub85c \ub9ac\uc9c0 \uad00\ub9ac \ud504\ub85c\uc138\uc2a4\uac00 \uc790\ub3d9\ud654\ub418\uace0 \ucd5c\uc801\ud654\ub420 \uac83\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud601\uc2e0\uc740 \ub370\uc774\ud130 \ubd84\uc11d\uc744 \ud1b5\ud574 \uace0\uac1d\uc758 \uc694\uad6c\ub97c \ubcf4\ub2e4 \uc815\ud655\ud558\uac8c \uc608\uce21\ud558\uace0, \uad00\ub9ac\uc790\uc758 \uc758\uc0ac\uacb0\uc815\uc744 \uc9c0\uc6d0\ud558\ub294 \ub370 \ub3c4\uc6c0\uc744 \uc904 \uac83\uc785\ub2c8\ub2e4.\ub458\uc9f8, \ud074\ub77c\uc6b0\ub4dc \uae30\ubc18 \uc194\ub8e8\uc158\uc758 \ubcf4\uae09\uc774 \uac00\uc18d\ud654\ub418\uba74\uc11c \ub9ac\uc9c0 \uad00\ub9ac \uc2dc\uc2a4\ud15c\uc774 \ub354\uc6b1 \uc720\uc5f0\ud574\uc9c0\uace0 \uc811\uadfc\uc131\uc774 \ub192\uc544\uc9c8 \uac83\uc785\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \uae30\uc5c5\ub4e4\uc740 \ub9ac\uc9c0 \uc815\ubcf4\ub97c \uc2e4\uc2dc\uac04\uc73c\ub85c \uacf5\uc720\ud558\uace0 \uacf5\ub3d9\uc73c\ub85c \uad00\ub9ac\ud560 \uc218 \uc788\uac8c \ub420 \uac83\uc785\ub2c8\ub2e4.\uc14b\uc9f8, \uc9c0\uc18d \uac00\ub2a5\ud55c \uacbd\uc601\uc758 \ud544\uc694\uc131\uc774 \ucee4\uc9d0\uc5d0 \ub530\ub77c, \uae30\uc5c5\uc758 \ub9ac\uc9c0 \uad00\ub9ac\ub3c4 \ud658\uacbd\uc801, \uc0ac\ud68c\uc801 \ucc45\uc784\uc744 \uace0\ub824\ud55c \ubc29\ud5a5\uc73c\ub85c \ub098\uc544\uac08 \uac83\uc785\ub2c8\ub2e4. \uc774\ub294 \uae30\uc5c5\uc774 \ub9ac\uc9c0\ub97c \uad00\ub9ac\ud558\ub294 \ubc29\uc2dd\uc744 \uadfc\ubcf8\uc801\uc73c\ub85c \ubcc0\ud654\uc2dc\ud0ac \uac83\uc785\ub2c8\ub2e4.\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uc6d0\uaca9 \uadfc\ubb34\uc758 \uc99d\uac00\ub85c \uc778\ud574 \ub9ac\uc9c0 \uad00\ub9ac\uc758 \ubc94\uc704\uc640 \ubc29\ubc95\uc5d0\ub3c4 \ubcc0\ud654\uac00 \uc0dd\uae38 \uac83\uc785\ub2c8\ub2e4. \uac00\uc0c1 \ud68c\uc758 \ubc0f \uc628\ub77c\uc778 \ucee4\ubba4\ub2c8\ucf00\uc774\uc158 \ud234\uc758 \uc0ac\uc6a9\uc774 \ud655\ub300\ub418\uba74\uc11c \uad00\ub9ac \ud6a8\uc728\uc131\uc774 \ub192\uc544\uc9c8 \uac83\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub3d9\ud5a5\uc740 \uae30\uc5c5\uc758 \uae00\ub85c\ubc8c \uacbd\uc7c1\ub825 \uac15\ud654\ub97c \uc704\ud55c \uc911\uc694\ud55c \uc694\uc18c\ub85c \uc791\uc6a9\ud560 \uac83\uc785\ub2c8\ub2e4.<\/p>\n
\ub9ac\uc9c0<\/p>\n
\ub9ac\uc9c0\ub294 \ucd5c\uadfc \ud55c\uad6d\uc5d0\uc11c \uc778\uae30 \uc788\ub294 \ub2e4\uc774\uc544\ubaac\ub4dc \ube0c\ub79c\ub4dc\ub85c, \ub192\uc740 \ud488\uc9c8\uc758 \uc81c\ud488\ub4e4\uc744 \uc81c\uacf5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub9ac\uc9c0\ub294 \uace0\uac1d\uc758 \ub2e4\uc591\ud55c \uc694\uad6c\ub97c \ucda9\uc871\uc2dc\ud0a4\uae30 \uc704\ud574 \ub2e4\uc591\ud55c \ub514\uc790\uc778\uacfc \uc2a4\ud0c0\uc77c\uc758 \ub2e4\uc774\uc544\ubaac\ub4dc\ub97c \uc120\ubcf4\uc774\uba70, \ud2b9\ud788 \ub9de\ucda4\ud615 \ubc18\uc9c0\uc640 \uadc0\uac78\uc774\uac00 \ub9ce\uc740 \uc0ac\ub791\uc744 \ubc1b\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub9ac\uc9c0\ub294 \uc628\ub77c\uc778\uacfc \uc624\ud504\ub77c\uc778 \ub9e4\uc7a5\uc5d0\uc11c \ubaa8\ub450 \uc1fc\ud551\ud560 \uc218 \uc788\ub294 \ud3b8\ub9ac\ud55c \uc2dc\uc2a4\ud15c\uc744 \uac16\ucd94\uace0 \uc788\uc73c\uba70, \uace0\uac1d \ub9de\ucda4\ud615 \uc11c\ube44\uc2a4\ub85c \uc778\ud574 \uc18c\ube44\uc790\uc5d0\uac8c \uac1c\uc778\uc801\uc778 \uacbd\ud5d8\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \ub610\ud55c, \ub9ac\uc9c0\ub294 \uc9c0\uc18d \uac00\ub2a5\ud55c \ub2e4\uc774\uc544\ubaac\ub4dc \uc724\ub9ac\ub97c \uc911\uc2dc\ud558\uc5ec \ucc45\uc784\uac10 \uc788\ub294 \uc18c\uc2f1\uc744 \ud1b5\ud574 \uc0dd\uc0b0\ub41c \ub2e4\uc774\uc544\ubaac\ub4dc\ub9cc\uc744 \uc0ac\uc6a9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub9ac\uc9c0\ub294 \ud604\uc7ac \uad6d\ub0b4\uc678\uc5d0\uc11c \ube60\ub974\uac8c \uc131\uc7a5\ud558\uace0 \uc788\uc73c\uba70, \uc18c\uc15c \ubbf8\ub514\uc5b4\ub97c \ud1b5\ud574 \uc80a\uc740 \uc138\ub300\ub4e4\uc5d0\uac8c\ub3c4 \uce5c\uc219\ud55c \ube0c\ub79c\ub4dc\ub85c \uc790\ub9ac \uc7a1\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n
\ud0a4\uc6cc\ub4dc1 \uc124\uba85: \ub9ac\uc9c0\ub294 \ud55c\uad6d\uc5d0\uc11c \uc778\uae30\ub97c \ub04c\uace0 \uc788\ub294 \ub2e4\uc774\uc544\ubaac\ub4dc \ube0c\ub79c\ub4dc\ub85c, \uace0\ud488\uc9c8\uc758 \ub9de\ucda4\ud615 \uc8fc\uc5bc\ub9ac \uc81c\ud488\uc744 \uc81c\uacf5\ud558\ub294 \uac83\uc73c\ub85c \uc720\uba85\ud569\ub2c8\ub2e4. \uace0\uac1d\uc758 \ub2e4\uc591\ud55c \uc694\uad6c\ub97c \ucda9\uc871\uc2dc\ud0a4\uae30 \uc704\ud574 \uc138\ub828\ub41c \ub514\uc790\uc778\uacfc \uac1c\uc778\ud654\ub41c \uc11c\ube44\uc2a4\ub97c \uac15\uc870\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n
\ud0a4\uc6cc\ub4dc2 \uc124\uba85: \ub2e4\uc774\uc544\ubaac\ub4dc\ub294 \uc9c0\uad6c \uae4a\uc740 \uacf3\uc5d0\uc11c \ud615\uc131\ub41c \uacb0\uc815\uccb4\ub85c, \uc544\ub984\ub2e4\uc6c0\uacfc \ub0b4\uad6c\uc131 \ub355\ubd84\uc5d0 \uc8fc\uc5bc\ub9ac\uc5d0\uc11c \uac00\uc7a5 \uc120\ud638\ub418\ub294 \uc18c\uc7ac \uc911 \ud558\ub098\uc785\ub2c8\ub2e4. \ud2b9\ud788 \ubc18\uc9c0, \uadc0\uac78\uc774 \ub4f1 \ub2e4\uc591\ud55c \ud615\ud0dc\ub85c \uac00\uacf5\ub418\uc5b4 \ud2b9\ubcc4\ud55c \uc120\ubb3c\ub85c \ub9ce\uc774 \uc0ac\uc6a9\ub429\ub2c8\ub2e4.<\/p>\n
\ub9ac\uc9c0\ub294 \ub2e8\uc21c\ud55c \uc8fc\uc5bc\ub9ac\uac00 \uc544\ub2cc, \uc0ac\ub791\uacfc \ucd94\uc5b5\uc744 \ub2f4\uc740 \ud2b9\ubcc4\ud55c \uc758\ubbf8\ub97c \uac00\uc9c4 \uc81c\ud488\uc785\ub2c8\ub2e4. \uc5ec\ub7ec\ubd84\uc758 \uc18c\uc911\ud55c \uc21c\uac04\uc744 \ub354\uc6b1 \ube5b\ub0b4\uc904 \ub9ac\uc9c0\uc758 \uace0\ud488\uc9c8 \ub2e4\uc774\uc544\ubaac\ub4dc\ub85c \ub9cc\ub4e0 \uc8fc\uc5bc\ub9ac\ub97c \ucc29\uc6a9\ud574 \ubcf4\uc138\uc694. \ub9de\ucda4\ud615 \ub514\uc790\uc778\uacfc \ucc45\uc784\uac10 \uc788\ub294 \uc724\ub9ac\uc801 \uc18c\uc2f1\uc744 \ud1b5\ud574, \uc5ec\ub7ec\ubd84\uc758 \uae30\uc5b5\uc5d0 \ub0a8\ub294 \uc21c\uac04\uc744 \ud568\uaed8 \ub9cc\ub4e4\uc5b4 \ub098\uac08 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc9c0\uae08 \ubc14\ub85c \ub9ac\uc9c0\uc5d0\uc11c \uc0c8\ub85c\uc6b4 \ub098\ub9cc\uc758 \ub2e4\uc774\uc544\ubaac\ub4dc\ub97c \ub9cc\ub098\ubcf4\uc138\uc694!<\/p>\n","protected":false},"excerpt":{"rendered":"
\ub9ac\uc9c0\uc758 \uae30\ubcf8 \uac1c\ub150\uacfc \uc815\uc758 \ub9ac\uc9c0(Leverage)\ub294 \uc7ac\ubb34 \ubc0f \ud22c\uc790 \ubd84\uc57c\uc5d0\uc11c \uc790\uc0b0\uc774\ub098 \uc790\ubcf8\uc744 \ub354 \ud06c\uac8c \uc99d\ub300\uc2dc\ud0a4\uae30 \uc704\ud574 \ud0c0\uc778\uc758 \uc790\ubcf8\uc744 \ud65c\uc6a9\ud558\ub294 \uc804\ub7b5\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4. \uc989, \uc801\uc740 \uc790\ubcf8\uc73c\ub85c \ud070 \uc774\uc775\uc744 \uc5bb\uace0\uc790\ud558\ub294 \uc811\uadfc \ubc29\uc2dd\uc73c\ub85c \uc774\ud574\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub9ac\uc9c0\ub294 ‘\uc9c0\ub81b\ub300’\ub97c \uc758\ubbf8\ud558\uba70, \uae30\ubcf8\uc801\uc73c\ub85c \uc9c0\ub81b\ub300\ub97c \uc0ac\uc6a9\ud574 \ud070 \ud798\uc744 \ud65c\uc6a9\ud558\ub294 \uc6d0\ub9ac\uc640 \uc720\uc0ac\ud569\ub2c8\ub2e4.\uae30\uc5c5\uc758 \ucee8\ud14d\uc2a4\ud2b8\uc5d0\uc11c\ub294 \ub9ac\uc9c0\ub294 \uc8fc\ub85c \ubd80\ucc44\ub97c \ud1b5\ud574 \uc790\ubcf8\uc744 \uc99d\uac00\uc2dc\ud0a4\ub294 \uac83\uc774\uba70, \uc774\ub97c \ud1b5\ud574 \uae30\uc5c5\uc740 \ub354 \ub192\uc740 […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/dohokin.com\/index.php?rest_route=\/wp\/v2\/posts\/6196"}],"collection":[{"href":"https:\/\/dohokin.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dohokin.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dohokin.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/dohokin.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=6196"}],"version-history":[{"count":0,"href":"https:\/\/dohokin.com\/index.php?rest_route=\/wp\/v2\/posts\/6196\/revisions"}],"wp:attachment":[{"href":"https:\/\/dohokin.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=6196"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dohokin.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=6196"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dohokin.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=6196"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}