{"id":737,"date":"2026-09-06T09:44:13","date_gmt":"2026-09-06T00:44:13","guid":{"rendered":"https:\/\/krsamchoon.com\/kor-samchoon\/?p=737"},"modified":"2026-09-06T09:48:14","modified_gmt":"2026-09-06T00:48:14","slug":"%ea%b5%ad%eb%af%bc%ec%97%b0%ea%b8%88-%ec%a1%b0%ea%b8%b0%ec%88%98%eb%a0%b9-%ec%a1%b0%ea%b1%b4%ea%b3%bc-%ea%b0%90%ec%95%a1%eb%a5%a0-%ec%a0%95%ec%83%81-%ec%88%98%eb%a0%b9%ea%b3%bc-%ec%9c%a0%eb%a6%ac","status":"publish","type":"post","link":"https:\/\/krsamchoon.com\/kor-samchoon\/%ea%b5%ad%eb%af%bc%ec%97%b0%ea%b8%88-%ec%a1%b0%ea%b8%b0%ec%88%98%eb%a0%b9-%ec%a1%b0%ea%b1%b4%ea%b3%bc-%ea%b0%90%ec%95%a1%eb%a5%a0-%ec%a0%95%ec%83%81-%ec%88%98%eb%a0%b9%ea%b3%bc-%ec%9c%a0%eb%a6%ac\/","title":{"rendered":"\uad6d\ubbfc\uc5f0\uae08 \uc870\uae30\uc218\ub839 \uc870\uac74\uacfc \uac10\uc561\ub960, \uc815\uc0c1 \uc218\ub839\uacfc \uc720\ub9ac\ud55c \uc2dc\uae30 \uacc4\uc0b0\ubc95"},"content":{"rendered":"<p>\ud1f4\uc9c1 \ud6c4 \uc18c\ub4dd \uacf5\ubc31 \ub54c\ubb38\uc5d0 \uc5f0\uae08\uc744 \uc55e\ub2f9\uaca8 \ubc1b\uace0 \uc2f6\ub2e4\uba74 <strong>\uad6d\ubbfc\uc5f0\uae08 \uc870\uae30\uc218\ub839 \uc870\uac74<\/strong>\ubd80\ud130 \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4. \uc870\uae30\ub178\ub839\uc5f0\uae08\uc740 \uc815\uc0c1 \uc218\ub839 \uc5f0\ub839\ubcf4\ub2e4 \ucd5c\ub300 5\ub144 \uba3c\uc800 \ubc1b\uc744 \uc218 \uc788\uc9c0\ub9cc, \uac00\uc785\uae30\uac04\uacfc \uc18c\ub4dd \ud65c\ub3d9 \uc5ec\ubd80\ub97c \ucda9\uc871\ud574\uc57c \ud558\uace0 1\ub144 \uc55e\ub2f9\uae38 \ub54c\ub9c8\ub2e4 \uc5f0\uae08\uc561\uc774 6%\uc529 \uc904\uc5b4\ub4e0 \uae08\uc561\uc744 \ud3c9\uc0dd \ubc1b\uac8c \ub429\ub2c8\ub2e4. \uc774 \uae00\uc5d0\uc11c\ub294 \uc2e0\uccad \uc870\uac74, \uac10\uc561\ub960, \uc815\uc0c1 \uc218\ub839\uacfc\uc758 \uc190\uc775\ubd84\uae30\uc810 \uacc4\uc0b0\ubc95\uae4c\uc9c0 \ud55c \ubc88\uc5d0 \uc815\ub9ac\ud569\ub2c8\ub2e4.<\/p>\n<h2 style=\"margin-top:40px; margin-bottom:18px; padding:14px 18px; background:#eef6ff; border-left:5px solid #3976d3; border-radius:10px; font-size:26px; font-weight:700; line-height:1.5;\">\uad6d\ubbfc\uc5f0\uae08 \uc870\uae30\uc218\ub839 \uc870\uac74\ubd80\ud130 \ud655\uc778\ud558\uae30<\/h2>\n<p>\uad6d\ubbfc\uc5f0\uae08\uc758 \uc870\uae30\ub178\ub839\uc5f0\uae08\uc740 \ub178\ub839\uc5f0\uae08 \uc218\uae09 \uac1c\uc2dc \uc5f0\ub839\uc774 \ub418\uae30 \uc804\uc5d0 \uccad\uad6c\ud558\ub294 \uc81c\ub3c4\uc785\ub2c8\ub2e4. \ub204\uad6c\ub098 \uc6d0\ud558\ub294 \uc2dc\uc810\uc5d0 \uc2e0\uccad\ud560 \uc218 \uc788\ub294 \uac83\uc740 \uc544\ub2c8\uba70, \uc77c\ubc18\uc801\uc73c\ub85c \ub2e4\uc74c \uc694\uac74\uc744 \ubaa8\ub450 \uc0b4\ud3b4\ubd10\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<ul>\n<li><strong>\uad6d\ubbfc\uc5f0\uae08 \uac00\uc785\uae30\uac04\uc774 10\ub144 \uc774\uc0c1<\/strong>\uc774\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<li>\ucd9c\uc0dd\uc5f0\ub3c4\ubcc4 \uc870\uae30\ub178\ub839\uc5f0\uae08 \uc218\uae09 \uac1c\uc2dc \uc5f0\ub839\uc5d0 \ub3c4\ub2ec\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<li>\uc77c\uc815 \uae30\uc900\uc744 \ub118\ub294 \uc18c\ub4dd\uc774 \uc788\ub294 \uc5c5\ubb34\uc5d0 \uc885\uc0ac\ud558\uc9c0 \uc54a\uc544\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<li>\ubcf8\uc778\uc774 \uc9c1\uc811 \uc5f0\uae08 \uc9c0\uae09\uc744 \uccad\uad6c\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p>\uc815\uc0c1 \ub178\ub839\uc5f0\uae08\uc758 \uc218\uae09 \uc5f0\ub839\uc740 \ucd9c\uc0dd\uc5f0\ub3c4\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 1969\ub144 \uc774\ud6c4 \ucd9c\uc0dd\uc790\ub294 \uc815\uc0c1\uc801\uc73c\ub85c \ub9cc 65\uc138\ubd80\ud130, \uc870\uae30\ub178\ub839\uc5f0\uae08\uc740 \ub9cc 60\uc138\ubd80\ud130 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\ub9cc \ucd9c\uc0dd\uc5f0\ub3c4\ubcc4\ub85c \ub9cc 61~65\uc138\uc758 \uc815\uc0c1 \uc218\ub839 \uc5f0\ub839\uacfc \uc870\uae30 \uc218\ub839 \uc5f0\ub839\uc774 \ub2e4\ub974\ubbc0\ub85c, \uc790\uc2e0\uc758 \uc8fc\ubbfc\ub4f1\ub85d\uc0c1 \uc0dd\ub144\uc6d4\uc77c\ub9cc \ubcf4\uace0 \ud310\ub2e8\ud558\uae30\ubcf4\ub2e4 \uad6d\ubbfc\uc5f0\uae08\uacf5\ub2e8\uc758 \uc608\uc0c1\uc5f0\uae08 \uc870\ud68c\uc5d0\uc11c \uac1c\uc2dc \uc5f0\ub839\uc744 \ud655\uc778\ud558\ub294 \uac83\uc774 \uc548\uc804\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc870\uae30\ub178\ub839\uc5f0\uae08\uc740 \uac1c\uc778\uc758 \uac00\uc785\uae30\uac04\uacfc \uc18c\ub4dd \ud65c\ub3d9 \uc5ec\ubd80\uc5d0 \ub530\ub77c \uc2e4\uc81c \uc2e0\uccad \uac00\ub2a5 \uc2dc\uc810\uacfc \uc5f0\uae08\uc561\uc774 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc2e0\uccad\uc744 \uacb0\uc815\ud558\uae30 \uc804\uc5d0\ub294 <a href=\"https:\/\/ma.nps.or.kr\/pnsinfo\/ntpsklg\/getOHAF0056M0.do\" target=\"_blank\" rel=\"noopener\"><strong>\uad6d\ubbfc\uc5f0\uae08\uacf5\ub2e8 \uc870\uae30\ub178\ub839\uc5f0\uae08 \uacf5\uc2dd \uc548\ub0b4<\/strong><\/a>\uc5d0\uc11c \ubcf8\uc778\uc758 \uc218\uae09 \uc870\uac74\uacfc \ucd5c\uc2e0 \uae30\uc900\uc744 \ub2e4\uc2dc \ud655\uc778\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n<div style=\"margin:24px 0; padding:18px 20px; background:#f0f8f3; border:1px solid #d5ebdd; border-radius:12px; line-height:1.8;\">\n<strong>\ud575\uc2ec \ud3ec\uc778\ud2b8<\/strong><br \/>\n\uc870\uae30\ub178\ub839\uc5f0\uae08\uc740 \ub2e8\uc21c\ud788 \u201c5\ub144 \uc77c\ucc0d \ubc1b\ub294 \uc5f0\uae08\u201d\uc774 \uc544\ub2d9\ub2c8\ub2e4. \uac00\uc785\uae30\uac04 10\ub144 \uc774\uc0c1, \uc5f0\ub839 \uc694\uac74, \uc18c\ub4dd \uc694\uac74\uc744 \ubaa8\ub450 \ud655\uc778\ud574\uc57c \ud558\uba70, \uc2e4\uc81c \uc801\uc6a9 \uae30\uc900\uacfc \uc18c\ub4dd \uae08\uc561\uc740 \uc2e0\uccad \uc2dc\uc810\uc758 \uacf5\ub2e8 \uc548\ub0b4\ub97c \ub2e4\uc2dc \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4.\n<\/div>\n<h3 style=\"margin-top:28px; margin-bottom:12px; font-size:21px; font-weight:700;\">\uc18c\ub4dd\uc774 \uc788\uc73c\uba74 \ubb34\uc870\uac74 \uc2e0\uccad\ud560 \uc218 \uc5c6\uc744\uae4c?<\/h3>\n<p>\uc5ec\uae30\uc11c \ub9d0\ud558\ub294 \uc18c\ub4dd\uc740 \ub2e8\uc21c\ud55c \uc7ac\uc0b0\uc774\ub098 \uc608\uae08\uc774\uc790 \uc804\uccb4\ub97c \ub73b\ud558\ub294 \uac83\uc774 \uc544\ub2c8\ub77c, \uadfc\ub85c \ub610\ub294 \uc0ac\uc5c5 \ub4f1 \uc77c\uc815\ud55c \uc18c\ub4dd\uc774 \uc788\ub294 \uc5c5\ubb34\uc5d0 \ud574\ub2f9\ud558\ub294\uc9c0\ub97c \ud310\ub2e8\ud558\ub294 \uac1c\ub150\uc785\ub2c8\ub2e4. \uae30\uc900\uc740 \ub9e4\ub144 \ubcc0\ub3d9\ub420 \uc218 \uc788\uc73c\uba70, \uc6d4\uae09\uc758 \ub2e8\uc21c \ucd1d\uc561\ub9cc\uc73c\ub85c \ud655\uc815\ub418\uc9c0 \uc54a\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc870\uae30\ub178\ub839\uc5f0\uae08\uc744 \uc2e0\uccad\ud560 \ub54c \uadfc\ub85c\uc18c\ub4dd\uacfc \uc0ac\uc5c5\uc18c\ub4dd\uc774 \uc788\ub2e4\uba74 \uad6d\ubbfc\uc5f0\uae08\uacf5\ub2e8\uc774 \uc815\ud55c \uae30\uc900\uae08\uc561\uc744 \ub118\ub294\uc9c0 \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4. \uc784\ub300\uc18c\ub4dd, \uae08\uc735\uc18c\ub4dd, \ud544\uc694\uacbd\ube44 \uacf5\uc81c \uc5ec\ubd80 \ub4f1\uc740 \uac1c\uc778 \uc0c1\ud669\uc5d0 \ub530\ub77c \ud310\ub2e8\uc774 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc73c\ubbc0\ub85c \u201c\uc18c\ub4dd\uc774 \uc870\uae08 \uc788\uc73c\ub2c8 \uad1c\ucc2e\uaca0\uc9c0\u201d\ub77c\uace0 \ucd94\uce21\ud558\uc9c0 \uc54a\ub294 \ud3b8\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uc2e0\uccad \uc804 \uacf5\ub2e8\uc5d0 \uc18c\ub4dd \uc885\ub958\uc640 \uae08\uc561\uc744 \uad6c\uccb4\uc801\uc73c\ub85c \ubb38\uc758\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<h2 style=\"margin-top:40px; margin-bottom:18px; padding:14px 18px; background:#eef6ff; border-left:5px solid #3976d3; border-radius:10px; font-size:26px; font-weight:700; line-height:1.5;\">\uc870\uae30 \uc218\ub839 \uc2dc \uac10\uc561\ub960\uc740 \uc5b4\ub5bb\uac8c \uc801\uc6a9\ub420\uae4c<\/h2>\n<p>\uc870\uae30\ub178\ub839\uc5f0\uae08\uc740 \uc815\uc0c1 \uc218\ub839 \uc5f0\ub839\ubcf4\ub2e4 1\ub144 \uba3c\uc800 \ubc1b\uc744 \ub54c\ub9c8\ub2e4 \uae30\ubcf8\uc5f0\uae08\uc561\uc758 6%\uac00 \uc904\uc5b4\ub4ed\ub2c8\ub2e4. \uc6d4 \ub2e8\uc704\ub85c\ub294 1\uac1c\uc6d4\ub2f9 0.5%\uc529 \uac10\uc561\ub418\ubbc0\ub85c, \uba87 \uac1c\uc6d4\ub9cc \uc55e\ub2f9\uae30\ub294 \uacbd\uc6b0\uc5d0\ub3c4 \uae30\uac04\uc5d0 \ub530\ub77c \uc138\ubc00\ud558\uac8c \uacc4\uc0b0\ub429\ub2c8\ub2e4.<\/p>\n<table style=\"width:100%; border-collapse:collapse; margin:18px 0; line-height:1.7;\">\n<thead>\n<tr>\n<th style=\"border:1px solid #d9e2ef; padding:10px; background:#f4f8fc;\">\uc55e\ub2f9\uae34 \uae30\uac04<\/th>\n<th style=\"border:1px solid #d9e2ef; padding:10px; background:#f4f8fc;\">\uac10\uc561\ub960<\/th>\n<th style=\"border:1px solid #d9e2ef; padding:10px; background:#f4f8fc;\">\uc815\uc0c1 \uc5f0\uae08\uc561 \ub300\ube44 \uc9c0\uae09\ub960<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"border:1px solid #d9e2ef; padding:10px;\">1\ub144<\/td>\n<td style=\"border:1px solid #d9e2ef; padding:10px;\">6%<\/td>\n<td style=\"border:1px solid #d9e2ef; padding:10px;\">94%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #d9e2ef; padding:10px;\">3\ub144<\/td>\n<td style=\"border:1px solid #d9e2ef; padding:10px;\">18%<\/td>\n<td style=\"border:1px solid #d9e2ef; padding:10px;\">82%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #d9e2ef; padding:10px;\">5\ub144<\/td>\n<td style=\"border:1px solid #d9e2ef; padding:10px;\">30%<\/td>\n<td style=\"border:1px solid #d9e2ef; padding:10px;\">70%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\uc608\ub97c \ub4e4\uc5b4 \uc815\uc0c1 \uc218\ub839 \uc2dc \uc6d4 100\ub9cc \uc6d0\uc73c\ub85c \uc608\uc0c1\ub418\ub294 \uc0ac\ub78c\uc774 3\ub144 \uc77c\ucc0d \ubc1b\ub294\ub2e4\uba74 \ub2e8\uc21c \uacc4\uc0b0\uc0c1 \uc6d4 82\ub9cc \uc6d0\uc785\ub2c8\ub2e4. 5\ub144 \uc77c\ucc0d \ubc1b\ub294\ub2e4\uba74 \uc6d4 70\ub9cc \uc6d0\uc774 \ub429\ub2c8\ub2e4. \uc774 \uac10\uc561\uc740 \uc77c\uc2dc\uc801\uc73c\ub85c \uc801\uc6a9\ub418\ub294 \uacf5\uc81c\uac00 \uc544\ub2c8\ub77c \uc870\uae30\ub178\ub839\uc5f0\uae08 \uc218\uae09 \uae30\uac04 \ub3d9\uc548 \uacc4\uc18d \uc801\uc6a9\ub418\ub294 \ubc29\uc2dd\uc774\ubbc0\ub85c, \uc2e0\uccad \uc804 \uc6d4 \uc9c0\uae09\uc561\uc744 \ubc18\ub4dc\uc2dc \ub2e4\uc2dc \uacc4\uc0b0\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<div style=\"margin:24px 0; padding:18px 20px; background:#fff7ed; border:1px solid #f2d6b3; border-radius:12px; line-height:1.8;\">\n<strong>\uc8fc\uc758\ud558\uc138\uc694<\/strong><br \/>\n\uc608\uc0c1\uc5f0\uae08\uc561\uc740 \ubb3c\uac00\ubcc0\ub3d9\uc5d0 \ub530\ub978 \uc5f0\uae08\uc561 \uc870\uc815, \uac00\uc785 \uc774\ub825, \ubd80\uc591\uac00\uc871\uc5f0\uae08\uc561, \uc138\uae08 \ub4f1\uc5d0 \ub530\ub77c \uc2e4\uc81c \uc218\ub839\uc561\uacfc \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc704 \uacc4\uc0b0\uc740 \uac10\uc561 \uad6c\uc870\ub97c \uc774\ud574\ud558\uae30 \uc704\ud55c \uc608\uc2dc\uc774\uba70, \ucd5c\uc885 \uacb0\uc815\uc740 \uacf5\ub2e8\uc758 \uac1c\uc778\ubcc4 \uc608\uc0c1\uc5f0\uae08\uc561\uc744 \uae30\uc900\uc73c\ub85c \ud574\uc57c \ud569\ub2c8\ub2e4.\n<\/div>\n<h2 style=\"margin-top:40px; margin-bottom:18px; padding:14px 18px; background:#eef6ff; border-left:5px solid #3976d3; border-radius:10px; font-size:26px; font-weight:700; line-height:1.5;\">\uc815\uc0c1 \uc218\ub839\uacfc \uc870\uae30 \uc218\ub839, \uc720\ub9ac\ud55c \uc2dc\uae30 \uacc4\uc0b0\ubc95<\/h2>\n<p>\uc5b4\ub290 \ucabd\uc774 \uc720\ub9ac\ud55c\uc9c0\ub294 \u201c\uba87 \ub144 \ub354 \ubc1b\ub294\uac00\u201d\uc640 \u201c\ub9e4\ub2ec \uc5bc\ub9c8\ub97c \ub35c \ubc1b\ub294\uac00\u201d\ub97c \ube44\uad50\ud574\uc57c \ud310\ub2e8\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uac00\uc7a5 \uac04\ub2e8\ud55c \uacc4\uc0b0\uc740 \ubb3c\uac00\uc0c1\uc2b9\ub960, \uc138\uae08, \ud22c\uc790\uc218\uc775\uc744 \uc81c\uc678\ud558\uace0 \ucd1d\uc218\ub839\uc561\ub9cc \ube44\uad50\ud558\ub294 \ubc29\uc2dd\uc785\ub2c8\ub2e4.<\/p>\n<h3 style=\"margin-top:28px; margin-bottom:12px; font-size:21px; font-weight:700;\">1\ub2e8\uacc4: \uc815\uc0c1 \uc5f0\uae08\uc561\uacfc \uc870\uae30 \uc9c0\uae09\ub960 \ud655\uc778<\/h3>\n<p>\uba3c\uc800 \uc815\uc0c1 \uc218\ub839 \uc2dc \uc6d4 \uc5f0\uae08\uc561\uc744 A\uc6d0, \uc815\uc0c1 \uc218\ub839 \uc5f0\ub839\ubcf4\ub2e4 \uc55e\ub2f9\uae34 \uae30\uac04\uc744 n\ub144\uc774\ub77c\uace0 \ub461\ub2c8\ub2e4. \uc870\uae30 \uc218\ub839 \uc6d4\uc561\uc740 \ub2e4\uc74c\uacfc \uac19\uc774 \uacc4\uc0b0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p><strong style=\"color:#245fae;\">\uc870\uae30 \uc218\ub839 \uc6d4\uc561 = \uc815\uc0c1 \uc6d4 \uc5f0\uae08\uc561 \u00d7 (1 &#8211; 0.06 \u00d7 \uc55e\ub2f9\uae34 \uc5f0\uc218)<\/strong><\/p>\n<p>\uc6d4 \ub2e8\uc704\ub85c \uc2e0\uccad\ud55c\ub2e4\uba74 \uc55e\ub2f9\uae34 \uac1c\uc6d4 \uc218\uc5d0 0.5%\ub97c \uacf1\ud574 \uac10\uc561\ub960\uc744 \uacc4\uc0b0\ud569\ub2c8\ub2e4. \ub2e8, \uc2e4\uc81c \uc608\uc0c1\uc5f0\uae08 \uc870\ud68c \ud654\uba74\uc5d0\uc11c\ub294 \uac1c\uc778\ubcc4 \uac00\uc785 \uc774\ub825\uacfc \uc801\uc6a9 \uaddc\uc815\uc774 \ubc18\uc601\ub418\ubbc0\ub85c \uc9c1\uc811 \uacc4\uc0b0\ud55c \uae08\uc561\uacfc \ube44\uad50\ud574 \ubcf4\uc138\uc694.<\/p>\n<h3 style=\"margin-top:28px; margin-bottom:12px; font-size:21px; font-weight:700;\">2\ub2e8\uacc4: \uc190\uc775\ubd84\uae30\uc810 \uacc4\uc0b0<\/h3>\n<p>\uc815\uc0c1 \uc218\ub839 \uc5f0\ub839\uc744 N\uc138, \uc870\uae30 \uc218\ub839 \uae30\uac04\uc744 n\ub144, \uc870\uae30 \uc9c0\uae09\ub960\uc744 r\uc774\ub77c\uace0 \ud558\uba74 \uc815\uc0c1 \uc218\ub839 \uc5f0\ub839\uae4c\uc9c0 \uc870\uae30 \uc218\ub839\uc73c\ub85c \uba3c\uc800 \ubc1b\ub294 \uae08\uc561\uc740 \ub300\ub7b5 <strong>A \u00d7 r \u00d7 n\ub144<\/strong>\uc785\ub2c8\ub2e4. \uc815\uc0c1 \uc218\ub839\uc744 \uc2dc\uc791\ud55c \ub4a4\uc5d0\ub294 \ub9e4\ub144 \uc815\uc0c1 \uc5f0\uae08\uc561\uacfc \uc870\uae30 \uc5f0\uae08\uc561\uc758 \ucc28\uc774\uac00 \ubc1c\uc0dd\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc774\ub97c \ub2e8\uc21c\ud654\ud558\uba74 \uc815\uc0c1 \uc218\ub839 \uc5f0\ub839 \uc774\ud6c4 \uc190\uc775\ubd84\uae30\uc810\uae4c\uc9c0 \uac78\ub9ac\ub294 \uae30\uac04\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n<p><strong style=\"color:#245fae;\">\uc190\uc775\ubd84\uae30 \uae30\uac04 = \uc870\uae30 \uc9c0\uae09\ub960 \u00d7 \uc55e\ub2f9\uae34 \uc5f0\uc218 \u00f7 (1 &#8211; \uc870\uae30 \uc9c0\uae09\ub960)<\/strong><\/p>\n<p>5\ub144 \uc870\uae30 \uc218\ub839\uc73c\ub85c \uc9c0\uae09\ub960\uc774 70%\ub77c\uba74, \uc815\uc0c1 \uc218\ub839 \uc5f0\ub839\uae4c\uc9c0 \uba3c\uc800 \ubc1b\ub294 \uae08\uc561\uc744 \uace0\ub824\ud588\uc744 \ub54c \uc190\uc775\ubd84\uae30\uc810\uc740 \uc815\uc0c1 \uc218\ub839 \uc5f0\ub839 \uc774\ud6c4 \uc57d 11\ub144 8\uac1c\uc6d4\uc785\ub2c8\ub2e4. \uc815\uc0c1 \uc218\ub839 \uc5f0\ub839\uc774 65\uc138\ub77c\uba74 \ub2e8\uc21c \uacc4\uc0b0\uc0c1 76~77\uc138 \ubb34\ub835\ubd80\ud130 \ub204\uc801\uc561\uc774 \uc5ed\uc804\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc774 \uacc4\uc0b0\uc740 \u201c\ub204\uc801 \uc218\ub839\uc561\u201d\ub9cc \ube44\uad50\ud55c \uacb0\uacfc\uc785\ub2c8\ub2e4. \uc2e4\uc81c \ud310\ub2e8\uc5d0\uc11c\ub294 \uae30\ub300\uc218\uba85, \uac74\uac15 \uc0c1\ud0dc, \ud604\uc7ac \uc0dd\ud65c\ube44, \ub2e4\ub978 \uc18c\ub4dd\uacfc \uc790\uc0b0, \ubb3c\uac00\uc5f0\ub3d9, \uc138\uae08, \uc5f0\uae08\uc561\uc758 \uc7ac\ud3c9\uac00 \ub4f1\uc744 \ud568\uaed8 \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4. \ub2e8\uc21c\ud788 \uc190\uc775\ubd84\uae30\uc810 \uc774\uc804\uc5d0 \uc0ac\ub9dd\ud558\uba74 \uc870\uae30\uac00 \ubb34\uc870\uac74 \uc720\ub9ac\ud558\uace0, \uc774\ud6c4\uae4c\uc9c0 \uc0dd\uc874\ud558\uba74 \uc815\uc0c1\uc774 \ubb34\uc870\uac74 \uc720\ub9ac\ud558\ub2e4\uace0 \ub2e8\uc815\ud560 \uc218\ub3c4 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n<h2 style=\"margin-top:40px; margin-bottom:18px; padding:14px 18px; background:#eef6ff; border-left:5px solid #3976d3; border-radius:10px; font-size:26px; font-weight:700; line-height:1.5;\">\uc5b4\ub5a4 \uc0ac\ub78c\uc5d0\uac8c \uc870\uae30 \uc218\ub839\uc774 \ub354 \uc801\ud569\ud560\uae4c<\/h2>\n<p>\uad6d\ubbfc\uc5f0\uae08 \uc870\uae30\uc218\ub839 \uc870\uac74\uc744 \ucda9\uc871\ud558\ub354\ub77c\ub3c4 \uc2e0\uccad\uc774 \ud56d\uc0c1 \uc720\ub9ac\ud55c \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. \ub2e4\uc74c\uacfc \uac19\uc740 \uc0c1\ud669\uc774\ub77c\uba74 \uc870\uae30 \uc218\ub839\uc758 \ud544\uc694\uc131\uc744 \uac80\ud1a0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<ul>\n<li>\uc815\uc0c1 \uc5f0\uae08 \uac1c\uc2dc \uc804\uae4c\uc9c0 \uc0dd\ud65c\ube44\ub97c \ucda9\ub2f9\ud560 \ub2e4\ub978 \uc18c\ub4dd\uc774 \ubd80\uc871\ud55c \uacbd\uc6b0<\/li>\n<li>\uac74\uac15\uc774\ub098 \uace0\uc6a9 \uc0c1\ud669 \ub54c\ubb38\uc5d0 \uc7a5\uae30\uac04 \uadfc\ub85c\uc18c\ub4dd\uc744 \uae30\ub300\ud558\uae30 \uc5b4\ub824\uc6b4 \uacbd\uc6b0<\/li>\n<li>\ub2f9\uc7a5 \ud544\uc694\ud55c \ud604\uae08 \ud750\ub984\uc774 \uac10\uc561\uc73c\ub85c \uc904\uc5b4\ub4dc\ub294 \uc7a5\uae30 \uc5f0\uae08\uc561\ubcf4\ub2e4 \uc911\uc694\ud55c \uacbd\uc6b0<\/li>\n<\/ul>\n<p>\ubc18\ub300\ub85c \uc815\uc0c1 \uc218\ub839\uc744 \uae30\ub2e4\ub9b4 \uc5ec\ub825\uc774 \uc788\uace0, \uc7a5\uae30\uac04 \uc548\uc815\uc801\uc778 \uc6d4 \ud604\uae08 \ud750\ub984\uc744 \uc911\uc694\ud558\uac8c \uc0dd\uac01\ud55c\ub2e4\uba74 \uc815\uc0c1 \uc218\ub839\uc774 \ub354 \uc801\ud569\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uc624\ub798 \ubc1b\uc744 \uac00\ub2a5\uc131\uc774 \ub192\uace0 \ub2e4\ub978 \ub178\ud6c4\uc18c\ub4dd\uc774 \ucda9\ubd84\ud558\ub2e4\uba74, \ud3c9\uc0dd \uac10\uc561\ub418\ub294 \uc870\uae30 \uc5f0\uae08\uc758 \ub2e8\uc810\uc774 \ucee4\uc9d1\ub2c8\ub2e4.<\/p>\n<p>\ud310\ub2e8\ud560 \ub54c\ub294 \ubcf8\uc778\ub9cc\uc758 \uae30\uc900\ud45c\ub97c \ub9cc\ub4e4\uc5b4 \ubcf4\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n<ol>\n<li>\uc815\uc0c1 \uc218\ub839 \uc2dc \uc608\uc0c1 \uc6d4\uc561\uc744 \ud655\uc778\ud569\ub2c8\ub2e4.<\/li>\n<li>1\ub144, 3\ub144, 5\ub144 \uc870\uae30 \uc218\ub839 \uc2dc \uc6d4\uc561\uc744 \uac01\uac01 \uacc4\uc0b0\ud569\ub2c8\ub2e4.<\/li>\n<li>\ud604\uc7ac \ud544\uc694\ud55c \uc0dd\ud65c\ube44\uc640 \ub2e4\ub978 \uc18c\ub4dd\uc744 \uc801\uc2b5\ub2c8\ub2e4.<\/li>\n<li>\uc815\uc0c1 \uac1c\uc2dc \uc5f0\ub839\uacfc \uc190\uc775\ubd84\uae30 \uc5f0\ub839\uc744 \ube44\uad50\ud569\ub2c8\ub2e4.<\/li>\n<li>\ubc30\uc6b0\uc790 \uc5f0\uae08, \uc720\uc871\uc5f0\uae08, \uae30\ucd08\uc5f0\uae08 \ub4f1 \ub2e4\ub978 \uc81c\ub3c4\uc5d0 \ubbf8\uce60 \uc601\ud5a5\uc744 \ubcc4\ub3c4\ub85c \ud655\uc778\ud569\ub2c8\ub2e4.<\/li>\n<\/ol>\n<h2 style=\"margin-top:40px; margin-bottom:18px; padding:14px 18px; background:#eef6ff; border-left:5px solid #3976d3; border-radius:10px; font-size:26px; font-weight:700; line-height:1.5;\">\uc2e0\uccad \uc804\uc5d0 \ub193\uce58\uae30 \uc26c\uc6b4 \uc0ac\ud56d<\/h2>\n<p>\uc870\uae30\ub178\ub839\uc5f0\uae08\uc744 \ubc1b\uae30 \uc2dc\uc791\ud55c \ub4a4 \uc18c\ub4dd\uc774 \uc788\ub294 \uc5c5\ubb34\uc5d0 \uc885\uc0ac\ud558\uba74 \uc5f0\uae08 \uc9c0\uae09\uc774 \uc815\uc9c0\ub418\uac70\ub098 \uad00\ub828 \uaddc\uc815\uc774 \uc801\uc6a9\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc18c\ub4dd \ud65c\ub3d9\uc744 \ub2e4\uc2dc \uc2dc\uc791\ud560 \uacc4\ud68d\uc774 \uc788\ub2e4\uba74 \uc2e0\uccad \uc804\uc5d0 \ubc18\ub4dc\uc2dc \uacf5\ub2e8\uc5d0 \uc2e0\uace0 \uae30\uc900\uacfc \uc9c0\uae09 \uc7ac\uac1c \uc808\ucc28\ub97c \ubb38\uc758\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\ub610 \ud558\ub098\uc758 \uc2e4\uc218\ub294 \uc608\uc0c1\uc5f0\uae08 \uc870\ud68c\uc561\uc744 \uadf8\ub300\ub85c \ud655\uc815 \uae08\uc561\uc73c\ub85c \uc0dd\uac01\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uc5f0\uae08\uc561\uc740 \uc2e0\uccad \uc2dc\uc810, \uac00\uc785\uae30\uac04, \uae30\uc900\uc18c\ub4dd\uc6d4\uc561, \uc5f0\uae08\uc81c\ub3c4 \ubcc0\uacbd \ub4f1\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uad6d\ubbfc\uc5f0\uae08 \uc870\uae30\uc218\ub839 \uc870\uac74\uacfc \uc18c\ub4dd \uae30\uc900\uc740 \uc81c\ub3c4 \uac1c\uc815\uc774\ub098 \uae30\uc900\uae08\uc561 \ubcc0\uacbd\uc758 \uc601\ud5a5\uc744 \ubc1b\uc744 \uc218 \uc788\uc73c\ubbc0\ub85c, \uc624\ub798\uc804\uc5d0 \ud655\uc778\ud55c \uae00\uc774\ub098 \uc8fc\ubcc0 \uc0ac\ub78c\uc758 \uacbd\ud5d8\ub9cc\uc73c\ub85c \uc2e0\uccad\ud558\uc9c0 \uc54a\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc2e0\uccad \uc804\uc5d0\ub294 \uad6d\ubbfc\uc5f0\uae08\uacf5\ub2e8 \ud648\ud398\uc774\uc9c0 \ub610\ub294 \ubaa8\ubc14\uc77c \uc11c\ube44\uc2a4\uc758 \uc608\uc0c1\uc5f0\uae08 \uc870\ud68c\ub97c \uc774\uc6a9\ud558\uace0, \ud544\uc694\ud558\uba74 \uc9c0\uc0ac \uc0c1\ub2f4\uc744 \ud1b5\ud574 \ub2e4\uc74c \ud56d\ubaa9\uc744 \ud655\uc778\ud558\uc138\uc694.<\/p>\n<ul>\n<li>\ubcf8\uc778\uc758 \uc815\uc0c1\u00b7\uc870\uae30 \uc218\uae09 \uac1c\uc2dc \uc5f0\ub839<\/li>\n<li>\uac00\uc785\uae30\uac04 10\ub144 \ucda9\uc871 \uc5ec\ubd80<\/li>\n<li>\uc870\uae30 \uc2e0\uccad \uac00\ub2a5 \uc2dc\uc810\uacfc \uac10\uc561\ub960<\/li>\n<li>\uadfc\ub85c\u00b7\uc0ac\uc5c5\uc18c\ub4dd\uc774 \uc18c\ub4dd \uc694\uac74\uc5d0 \ud574\ub2f9\ud558\ub294\uc9c0 \uc5ec\ubd80<\/li>\n<li>\uc608\uc0c1 \uc6d4\uc561\uacfc \uc5f0\uae08 \uc9c0\uae09 \uc815\uc9c0 \uac00\ub2a5\uc131<\/li>\n<\/ul>\n<h2 style=\"margin-top:40px; margin-bottom:18px; padding:14px 18px; background:#eef6ff; border-left:5px solid #3976d3; border-radius:10px; font-size:26px; font-weight:700; line-height:1.5;\">\uad6d\ubbfc\uc5f0\uae08 \uc870\uae30\uc218\ub839 \uc870\uac74 FAQ<\/h2>\n<h3 style=\"margin-top:28px; margin-bottom:12px; font-size:21px; font-weight:700;\">\uad6d\ubbfc\uc5f0\uae08 \uac00\uc785\uae30\uac04\uc774 10\ub144\ubcf4\ub2e4 \uc9e7\uc73c\uba74 \uc870\uae30\ub178\ub839\uc5f0\uae08\uc744 \ubc1b\uc744 \uc218 \uc788\ub098\uc694?<\/h3>\n<p>\uc77c\ubc18\uc801\uc73c\ub85c \uc870\uae30\ub178\ub839\uc5f0\uae08\uc740 \uac00\uc785\uae30\uac04 10\ub144 \uc774\uc0c1 \uc694\uac74\uc744 \ucda9\uc871\ud574\uc57c \ud569\ub2c8\ub2e4. \uae30\uac04\uc774 \ubd80\uc871\ud558\ub2e4\uba74 \uc784\uc758\uacc4\uc18d\uac00\uc785, \ucd94\ud6c4\ub0a9\ubd80 \ub4f1 \ub2e4\ub978 \uac00\uc785\uae30\uac04 \ud655\ubcf4 \ubc29\ubc95\uc774 \uac00\ub2a5\ud55c\uc9c0 \uac1c\uc778 \uc0c1\ud669\ubcc4\ub85c \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<h3 style=\"margin-top:28px; 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