{"id":6345,"date":"2026-10-19T08:00:00","date_gmt":"2026-10-18T23:00:00","guid":{"rendered":"https:\/\/hoantax.co.kr\/insights\/?p=6345"},"modified":"2026-10-13T15:58:57","modified_gmt":"2026-10-13T06:58:57","slug":"janyeo-chayongjeung-jageumchulcheo","status":"publish","type":"post","link":"https:\/\/hoantax.co.kr\/insights\/janyeo-chayongjeung-jageumchulcheo\/","title":{"rendered":"\uc790\ub140 \uc790\uae08 \uc9c0\uc6d0, \uc790\uae08\ucd9c\ucc98 \uc18c\uba85\uacfc \ucc28\uc6a9\uc99d \uc694\uac74"},"content":{"rendered":"<div class=\"hoan-box hoan-summary\">\n<p class=\"vs-t\">\ud575\uc2ec\uc694\uc57d<\/p>\n<p><strong>\uc790\ub140\uc5d0\uac8c \ubcf4\ub0b8 \ub3c8\uc740 \ucde8\ub4dd \ub2a5\ub825\uc5d0 \uacf5\ubc31\uc774 \uc788\uc73c\uba74 \uc99d\uc5ec\ub85c \ucd94\uc815\ub418\uc9c0\ub9cc, \ucd9c\ucc98\ub97c \uc18c\uba85\ud558\uba74 \uadf8 \ucd94\uc815\uc740 \ubc88\ubcf5\ub429\ub2c8\ub2e4.<\/strong> \uc0c1\uc99d\ubc95 \uc81c45\uc870\ub294 \uc790\ub825\uc73c\ub85c \ucde8\ub4dd\ud588\ub2e4\uace0 \ubcf4\uae30 \uc5b4\ub824\uc6b4 \uc7ac\uc0b0\uc744 \uc99d\uc5ec\ubc1b\uc740 \uac83\uc73c\ub85c <em>\ucd94\uc815<\/em>\ud558\uace0(\uc81c1\ud56d), \ucde8\ub4dd\uc790\uae08\uc758 \ucd9c\ucc98\uc5d0 \uad00\ud55c \ucda9\ubd84\ud55c \uc18c\uba85\uc774 \uc788\uc73c\uba74 \uc801\uc6a9\ud558\uc9c0 \uc54a\ub294\ub2e4\uace0 \uc815\ud569\ub2c8\ub2e4(\uc81c3\ud56d). \uc99d\uc5ec\ub85c \u300c\ubcf8\ub2e4\u300d\uace0 \uc815\ud55c \uba85\uc758\uc2e0\ud0c1 \uc99d\uc5ec\uc758\uc81c\uc640\ub294 \uc870\ubb38 \uad6c\uc870\ubd80\ud130 \ub2e4\ub985\ub2c8\ub2e4.<\/p>\n<p><strong>\ucc28\uc6a9\uc73c\ub85c \uc815\ub9ac\ud560 \ub54c \uc2e4\uc81c\ub85c \uc801\uc6a9\ub418\ub294 \uc22b\uc790<\/strong><\/p>\n<ul>\n<li>\ubb34\uc0c1\uc73c\ub85c \ube4c\ub824\uc900 \uae08\uc561\uc5d0 \uc5f0 4.6%\ub97c \uacf1\ud55c \uac12\uc774 1\ucc9c\ub9cc\uc6d0 \ubbf8\ub9cc\uc774\uba74 \uc99d\uc5ec\uc7ac\uc0b0\uac00\uc561\uc5d0\uc11c \ube60\uc9d1\ub2c8\ub2e4. \uc6d0\uae08\uc73c\ub85c \ud658\uc0b0\ud558\uba74 \uc57d 2\uc5b5 1,700\ub9cc\uc6d0\uc774 \uacbd\uacc4\uc120\uc774\uace0, 1\ub144 \uc548\uc5d0 \ub2e4\uc2dc \ube4c\ub824\uc900 \uae08\uc561\uc774 \uc788\uc73c\uba74 \uba3c\uc800 \ube4c\ub824\uc900 \ub3c8\uc744 \ub3cc\ub824\ubc1b\uc558\ub354\ub77c\ub3c4 \ud569\uc0b0\ud574 \ud310\ub2e8\ud569\ub2c8\ub2e4. 1\ub144 \ub118\uac8c \ube4c\ub824\uc900 \uae30\uc874 \ub300\uc5ec\uae08\ub3c4 \ub9e4\ub144 \uc0c8\ub85c \ube4c\ub9b0 \uac83\uc73c\ub85c \ubcf4\ubbc0\ub85c, \ucd5c\uadfc 1\ub144 \uc548\uc5d0 \uc0c8\ub85c \ube4c\ub9b0 \uac83\uc73c\ub85c \ubcf4\ub294 \ub0a0\uc774 \uc788\uc5c8\ub2e4\uba74 \uadf8 \ub4a4 \ub3cc\ub824\ubc1b\uc558\ub354\ub77c\ub3c4 \ud569\uc0b0\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li>\ub300\ucd9c\uae30\uac04\uc744 \uc815\ud558\uc9c0 \uc54a\uc73c\uba74 1\ub144\uc73c\ub85c \ubcf4\uace0, 1\ub144 \uc774\uc0c1\uc774\uba74 1\ub144\uc774 \ub418\ub294 \ub0a0\uc758 \ub2e4\uc74c \ub0a0\uc5d0 \ub9e4\ub144 \uc0c8\ub85c \ube4c\ub9b0 \uac83\uc73c\ub85c \ubcf4\uc544 \ub2e4\uc2dc \uacc4\uc0b0\ud569\ub2c8\ub2e4(\uc81c41\uc870\uc7584 \uc81c2\ud56d).<\/li>\n<li>\uc785\uc99d\ub418\uc9c0 \uc54a\uc740 \uae08\uc561\uc774 \ucde8\ub4dd\uc7ac\uc0b0\uac00\uc561\uc758 20%\uc640 2\uc5b5\uc6d0 \uc911 \uc801\uc740 \uae08\uc561\uc5d0 \ubbf8\ub2ec\ud558\uba74 \uadf8 \ubd80\ubd84\uc740 \ubb38\uc81c \uc0bc\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4(\uc2dc\ud589\ub839 \uc81c34\uc870 \uc81c1\ud56d \ub2e8\uc11c).<\/li>\n<\/ul>\n<p><strong>\uc8fc\uc758 \u2014 \uc11c\ub958\ubcf4\ub2e4 \ud754\uc801\uc785\ub2c8\ub2e4<\/strong><\/p>\n<ul>\n<li>\ucc28\uc6a9\uc99d\uc758 \uc11c\uc2dd\u00b7\uacf5\uc99d\uc744 \uc694\uad6c\ud558\ub294 \uc870\ubb38\uc740 \uc0c1\uc99d\ubc95 \uc5b4\ub514\uc5d0\ub3c4 \uc5c6\uc2b5\ub2c8\ub2e4. \ucc28\uc6a9\uc99d\uc740 \uc694\uac74\uc774 \uc544\ub2c8\ub77c \uc18c\uba85\uc758 \uc99d\uac70\uc774\uace0, \ud310\ub2e8\uc740 \uc774\uc790 \uc9c0\uae09\uacfc \uc6d0\uae08 \uc0c1\ud658\uc758 \uacc4\uc88c \ud754\uc801\uc73c\ub85c \uc815\ud574\uc9d1\ub2c8\ub2e4.<\/li>\n<li>\uc774\uc790\ub97c \uc2e4\uc81c\ub85c \ubc1b\uc73c\uba74 \uadf8 \uc774\uc790\ub294 \ube44\uc601\uc5c5\ub300\uae08\uc758 \uc774\uc775\uc774 \ub418\uc5b4 25%\uac00 \uc6d0\ucc9c\uc9d5\uc218\ub429\ub2c8\ub2e4(\uc18c\ub4dd\uc138\ubc95 \uc81c129\uc870 \uc81c1\ud56d \uc81c1\ud638 \ub098\ubaa9).<\/li>\n<\/ul>\n<\/div>\n<p class=\"hoan-byline\">\uc138\ubb34\ubc95\uc778 \ud638\uc548 \uc791\uc131 \u00b7 \uac80\uc218 \uae40\ud574\uc778 \uc138\ubb34\uc0ac \u00b7 \ucd5c\uc885 \uac80\uc218\uc77c 2026-09-25 \u00b7 <strong>2026\ub144 9\uc6d4 \uae30\uc900<\/strong> \uc138\ubc95\uc73c\ub85c \uc791\uc131\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n<div class=\"hoan-box hoan-box--prac\">\n<p><strong>\uc774\ub7f0 \ubd84\uaed8 \uad8c\ud569\ub2c8\ub2e4.<\/strong><\/p>\n<ul>\n<li>\uc790\ub140\uc758 \uc8fc\ud0dd \ucde8\ub4dd\uc774\ub098 \uc804\uc138 \ubcf4\uc99d\uae08\uc5d0 \uc790\uae08\uc744 \ubcf4\ud0dc\ub824\ub294\ub370, \uc99d\uc5ec\ub85c \uc2e0\uace0\ud560\uc9c0 \ube4c\ub824\uc8fc\ub294 \ud615\ud0dc\ub85c \ud560\uc9c0 \uc815\ud558\uc9c0 \ubabb\ud55c \uacbd\uc6b0<\/li>\n<li>\uc774\ubbf8 \uc790\ub140 \uacc4\uc88c\ub85c \ub3c8\uc744 \ubcf4\ub0c8\uace0, \ub098\uc911\uc5d0 \uc18c\uba85 \uc694\uad6c\ub97c \ubc1b\uc744 \uac00\ub2a5\uc131\uc744 \uc815\ub9ac\ud574 \ub450\ub824\ub294 \uacbd\uc6b0<\/li>\n<li>\uc790\ub140\uc5d0\uac8c \ucc3d\uc5c5 \uc790\uae08\uc744 \ub300\uc8fc\uba74\uc11c \uc6d0\uae08\uc744 \ub3cc\ub824\ubc1b\uc744 \uc0dd\uac01\uc774 \uc788\uc5b4, \ucc28\uc6a9 \uad6c\uc870\uac00 \uc778\uc815\ub418\ub294\uc9c0 \ud655\uc778\uc774 \ud544\uc694\ud55c \uacbd\uc6b0<\/li>\n<\/ul>\n<\/div>\n<p><strong>\ubd80\ubaa8\uac00 \uc790\ub140\uc5d0\uac8c \uc790\uae08\uc744 \ubcf4\ub0bc \ub54c \uac00\uc7a5 \ub9ce\uc774 \ub4e3\ub294 \uc870\uc5b8\uc740 \ucc28\uc6a9\uc99d\uc744 \uc4f0\uace0 \uacf5\uc99d\uc744 \ubc1b\uc73c\ub77c\ub294 \uac83\uc785\ub2c8\ub2e4.<\/strong> \uadf8\ub7f0\ub370 \ucc28\uc6a9\uc99d\uc758 \ud615\uc2dd\uc744 \uc815\ud55c \uc138\ubc95 \uc870\ubb38\uc740 \uc5c6\uc2b5\ub2c8\ub2e4. \uc0c1\uc99d\ubc95\uacfc \uc2dc\ud589\ub839, \uc2dc\ud589\uaddc\uce59 \uc5b4\ub514\uc5d0\ub3c4 \uc11c\uc2dd\u00b7\uacf5\uc99d\u00b7\ud655\uc815\uc77c\uc790\ub97c \uc694\uad6c\ud558\ub294 \uaddc\uc815\uc774 \uc5c6\uace0, \uacfc\uc138\uad00\uccad\uc774 \ubcf4\ub294 \uac83\uc740 \uc885\uc774\uac00 \uc544\ub2c8\ub77c \uadf8 \ub4a4\uc5d0 \ub0a8\ub294 \uac70\ub798\uc758 \ud754\uc801\uc785\ub2c8\ub2e4. \ucc28\uc6a9\uc99d\uc744 \uac16\ucd94\uace0\ub3c4 \uc99d\uc5ec\ub85c \uc815\ub9ac\ub41c \uc0ac\ub840\uc640, \ucc28\uc6a9\uc99d \uc5c6\uc774 \uc18c\uba85\uc5d0 \uc131\uacf5\ud55c \uc0ac\ub840\uac00 \ub098\ub258\ub294 \uc774\uc720\uac00 \uc5ec\uae30\uc5d0 \uc788\uc2b5\ub2c8\ub2e4. \ub35c\ucee5 \uc1a1\uae08\ubd80\ud130 \ud574 \ub193\uace0 \uc11c\ub958\ub97c \ub098\uc911\uc5d0 \ub9de\ucd94\ub294 \uc21c\uc11c\uc5d0\uc11c \uc18c\uba85\uc774 \ub9c9\ud788\ub294 \uac83\uc774 \ubc18\ubcf5\ub418\ub294 \ub9ac\uc2a4\ud06c\uc785\ub2c8\ub2e4.<\/p>\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"740\" src=\"https:\/\/hoantax.co.kr\/insights\/wp-content\/uploads\/2026\/09\/A_jageumchulcheo-3galae-1.png\" alt=\"\uc790\uae08\ucd9c\ucc98\ub85c \uc778\uc815\ub418\ub294 \uc138 \uac00\uc9c0 \u2014 \uc2e0\uace0\ud588\uac70\ub098 \uacfc\uc138\ubc1b\uc740 \uc18c\ub4dd(\ube44\uacfc\uc138\u00b7\uac10\uba74 \ud3ec\ud568), \uc2e0\uace0\ud588\uac70\ub098 \uacfc\uc138\ubc1b\uc740 \uc0c1\uc18d\u00b7\uc218\uc99d\uc7ac\uc0b0, \uc7ac\uc0b0 \ucc98\ubd84\ub300\uac00\ub098 \ube4c\ub9b0 \ub3c8 \uc911 \ucde8\ub4dd\uc5d0 \uc9c1\uc811 \uc4f4 \uae08\uc561\uacfc \uac01 \ud655\uc778 \uc11c\ub958\" class=\"wp-image-6651\" srcset=\"https:\/\/hoantax.co.kr\/insights\/wp-content\/uploads\/2026\/09\/A_jageumchulcheo-3galae-1.png 1200w, https:\/\/hoantax.co.kr\/insights\/wp-content\/uploads\/2026\/09\/A_jageumchulcheo-3galae-1-300x185.png 300w, https:\/\/hoantax.co.kr\/insights\/wp-content\/uploads\/2026\/09\/A_jageumchulcheo-3galae-1-1024x631.png 1024w, https:\/\/hoantax.co.kr\/insights\/wp-content\/uploads\/2026\/09\/A_jageumchulcheo-3galae-1-768x474.png 768w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><figcaption class=\"wp-element-caption\">\uc790\uae08\ucd9c\ucc98 \uc778\uc815 \ubc94\uc704\uc640 \ud655\uc778 \uc11c\ub958(\uc0c1\uc99d\ubc95 \uc2dc\ud589\ub839 \uc81c34\uc870 \uc81c1\ud56d \uc81c1\ud638~\uc81c3\ud638)<\/figcaption><\/figure>\n<h2>\uc790\ub140\uc5d0\uac8c \ubcf4\ub0b8 \ub3c8\uc740 \uc5b8\uc81c \uc99d\uc5ec\ub85c \ucd94\uc815\ub418\ub294\uac00<\/h2>\n<p>\uc7ac\uc0b0 \ucde8\ub4dd\uc790\uc758 \uc9c1\uc5c5\u00b7\uc5f0\ub839\u00b7\uc18c\ub4dd\u00b7\uc7ac\uc0b0 \uc0c1\ud0dc\ub85c \ubcfc \ub54c \uc790\ub825\uc73c\ub85c \ucde8\ub4dd\ud588\ub2e4\uace0 \ubcf4\uae30 \uc5b4\ub824\uc6b8 \ub54c\uc785\ub2c8\ub2e4. \uc1a1\uae08 \uc0ac\uc2e4 \uc790\uccb4\uac00 \uc544\ub2c8\ub77c \ucde8\ub4dd \ub2a5\ub825\uc758 \uacf5\ubc31\uc774 \ucd94\uc815\uc744 \ubd80\ub985\ub2c8\ub2e4.<\/p>\n<h3>\ucd94\uc815\uc774 \uc791\ub3d9\ud558\ub294 \uc870\uac74<\/h3>\n<p>\uc0c1\uc99d\ubc95 \uc81c45\uc870 \uc81c1\ud56d\uc740 \uc7ac\uc0b0 \ucde8\ub4dd\uc790\uc758 \uc9c1\uc5c5, \uc5f0\ub839, \uc18c\ub4dd \ubc0f \uc7ac\uc0b0 \uc0c1\ud0dc \ub4f1\uc73c\ub85c \ubcfc \ub54c \uc790\ub825\uc73c\ub85c \ucde8\ub4dd\ud588\ub2e4\uace0 \uc778\uc815\ud558\uae30 \uc5b4\ub824\uc6b4 \uacbd\uc6b0\uc5d0 \uadf8 \uc7ac\uc0b0\uc744 \uc99d\uc5ec\ubc1b\uc740 \uac83\uc73c\ub85c \ucd94\uc815\ud55c\ub2e4\uace0 \uc815\ud569\ub2c8\ub2e4. \uc18c\ub4dd\uc774 \uc5c6\ub294 20\ub300 \uc790\ub140\uac00 \uc11c\uc6b8\uc5d0 \uc544\ud30c\ud2b8\ub97c \ucde8\ub4dd\ud558\uba74 \uc774 \uc870\uac74\uc5d0 \ub4e4\uc5b4\uac00\uace0, \uac19\uc740 \uae08\uc561\uc774\ub77c\ub3c4 \uc790\ub140\uc5d0\uac8c \uadf8\ub9cc\ud55c \uc18c\ub4dd \uc774\ub825\uc774 \uc788\uc73c\uba74 \ub4e4\uc5b4\uac00\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ucc44\ubb34\ub97c \uac1a\uc740 \uacbd\uc6b0\uc5d0\ub3c4 \uac19\uc740 \uae30\uc900\uc774 \uc801\uc6a9\ub429\ub2c8\ub2e4(\uc81c2\ud56d).<\/p>\n<h3>\ucd94\uc815\uacfc \uc758\uc81c\ub294 \ub2e4\ub974\ub2e4<\/h3>\n<p>\ucd94\uc815\uc740 \uc18c\uba85\uc73c\ub85c \ubc88\ubcf5\ub418\uace0, \uc758\uc81c\ub294 \ubc88\ubcf5\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc81c45\uc870\uc758 \uc7ac\uc0b0\ucde8\ub4dd\uc790\uae08 \uc99d\uc5ec\ucd94\uc815\uc740 \uc81c4\uc870 \uc81c1\ud56d \uc81c5\ud638\uc5d0 \uadfc\uac70\ub97c \ub450\uace0, \uba85\uc758\uc2e0\ud0c1 \uc99d\uc5ec\uc758\uc81c\ub294 \uc81c4\uc870 \uc81c2\ud56d\uc5d0 \ub530\ub85c \uc790\ub9ac\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uc870\ubb38\uc774 \u300c\ucd94\uc815\ud55c\ub2e4\u300d\ub85c \ub418\uc5b4 \uc788\ub294 \uc774\uc0c1 \uc18c\uba85 \ucc45\uc784\uc774 \ub0a9\uc138\uc790\uc5d0\uac8c \ub118\uc5b4\uc62c \ubfd0 \uacb0\ub860\uc774 \uc815\ud574\uc9c0\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. \u300c\ucc28\uc6a9\uc99d\uc774 \uc5c6\uc73c\uba74 \ubb34\uc870\uac74 \uc99d\uc5ec\u300d\ub77c\ub294 \ub9d0\uc740 \uc774 \uad6c\uc870\ub97c \ub4a4\uc9d1\uc740 \uc124\uba85\uc785\ub2c8\ub2e4.<\/p>\n<h3>\ucd94\uc815\uc774 \uc801\uc6a9\ub418\uc9c0 \uc54a\ub294 \ub450 \uacbd\uc6b0<\/h3>\n<p>\ub300\ud1b5\ub839\ub839\uc73c\ub85c \uc815\ud558\ub294 \uae08\uc561 \uc774\ud558\uc774\uac70\ub098, \ucde8\ub4dd\uc790\uae08\uc758 \ucd9c\ucc98\uc5d0 \uad00\ud55c \ucda9\ubd84\ud55c \uc18c\uba85\uc774 \uc788\ub294 \uacbd\uc6b0\uc785\ub2c8\ub2e4(\uc81c45\uc870 \uc81c3\ud56d). \uc55e\uc758 \uac83\uc740 \uae08\uc561\uc73c\ub85c \uac70\ub974\ub294 \uae30\uc900\uc774\uace0, \ub4a4\uc758 \uac83\uc740 \uae08\uc561\uacfc \ubb34\uad00\ud558\uac8c \uc18c\uba85\uc73c\ub85c \ubc97\uc5b4\ub098\ub294 \ubc29\ubc95\uc785\ub2c8\ub2e4. \uc774 \uae30\uc900\uc740 \uc7ac\uc0b0 \ucde8\ub4dd\uc77c \uc804 10\ub144 \uc774\ub0b4\uc758 \ucde8\ub4dd\uc790\uae08 \ud569\uacc4\uc561\uc774 5\ucc9c\ub9cc\uc6d0 \uc774\uc0c1\uc778 \uacbd\uc6b0\ub97c \ub300\uc0c1\uc73c\ub85c \ud558\ub418, \uc5f0\ub839\u00b7\uc9c1\uc5c5\u00b7\uc7ac\uc0b0\uc0c1\ud0dc\u00b7\uc0ac\ud68c\uacbd\uc81c\uc801 \uc9c0\uc704\ub97c \uace0\ub824\ud574 \uad6d\uc138\uccad\uc7a5\uc774 \uc815\ud558\ub294 \uae08\uc561\uc744 \ub530\ub85c \ub450\uace0 \uc788\uc2b5\ub2c8\ub2e4(\uc2dc\ud589\ub839 \uc81c34\uc870 \uc81c2\ud56d). \uadf8 \uae08\uc561 \uae30\uc900\uc740 \u300c\uc0c1\uc18d\uc138 \ubc0f \uc99d\uc5ec\uc138 \uc0ac\ubb34\ucc98\ub9ac\uaddc\uc815\u300d \uc81c42\uc870\uc5d0 \uc8fc\ud0dd\u00b7\uae30\ud0c0\uc7ac\uc0b0\u00b7\ucc44\ubb34\uc0c1\ud658\uacfc \ucd1d\uc561\ud55c\ub3c4\ub85c \ub098\ub258\uc5b4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<div class=\"hoan-box hoan-box--law\">\n<details>\n<summary><strong>\uc0c1\uc18d\uc138 \ubc0f \uc99d\uc5ec\uc138\ubc95 \uc81c45\uc870<\/strong> \u2014 \uc7ac\uc0b0 \ucde8\ub4dd\uc790\uae08 \ub4f1\uc758 \uc99d\uc5ec \ucd94\uc815<\/summary>\n<p>\u2460 \uc7ac\uc0b0 \ucde8\ub4dd\uc790\uc758 \uc9c1\uc5c5, \uc5f0\ub839, \uc18c\ub4dd \ubc0f \uc7ac\uc0b0 \uc0c1\ud0dc \ub4f1\uc73c\ub85c \ubcfc \ub54c \uc7ac\uc0b0\uc744 \uc790\ub825\uc73c\ub85c \ucde8\ub4dd\ud558\uc600\ub2e4\uace0 \uc778\uc815\ud558\uae30 \uc5b4\ub824\uc6b4 \uacbd\uc6b0\ub85c\uc11c \ub300\ud1b5\ub839\ub839\uc73c\ub85c \uc815\ud558\ub294 \uacbd\uc6b0\uc5d0\ub294 \uadf8 \uc7ac\uc0b0\uc744 \ucde8\ub4dd\ud55c \ub54c\uc5d0 \uadf8 \uc7ac\uc0b0\uc758 \ucde8\ub4dd\uc790\uae08\uc744 \uadf8 \uc7ac\uc0b0 \ucde8\ub4dd\uc790\uac00 \uc99d\uc5ec\ubc1b\uc740 \uac83\uc73c\ub85c \ucd94\uc815\ud558\uc5ec \uc774\ub97c \uadf8 \uc7ac\uc0b0 \ucde8\ub4dd\uc790\uc758 \uc99d\uc5ec\uc7ac\uc0b0\uac00\uc561\uc73c\ub85c \ud55c\ub2e4.<\/p>\n<p>\u2462 \ucde8\ub4dd\uc790\uae08 \ub610\ub294 \uc0c1\ud658\uc790\uae08\uc774 \uc9c1\uc5c5, \uc5f0\ub839, \uc18c\ub4dd, \uc7ac\uc0b0 \uc0c1\ud0dc \ub4f1\uc744 \uace0\ub824\ud558\uc5ec \ub300\ud1b5\ub839\ub839\uc73c\ub85c \uc815\ud558\ub294 \uae08\uc561 \uc774\ud558\uc778 \uacbd\uc6b0\uc640 \ucde8\ub4dd\uc790\uae08 \ub610\ub294 \uc0c1\ud658\uc790\uae08\uc758 \ucd9c\ucc98\uc5d0 \uad00\ud55c \ucda9\ubd84\ud55c \uc18c\uba85(\u758f\u660e)\uc774 \uc788\ub294 \uacbd\uc6b0\uc5d0\ub294 \uc81c1\ud56d\uacfc \uc81c2\ud56d\uc744 \uc801\uc6a9\ud558\uc9c0 \uc544\ub2c8\ud55c\ub2e4.<\/p>\n<\/details>\n<\/div>\n<h2>\uc790\uae08\ucd9c\ucc98\ub85c \uc778\uc815\ub418\ub294 \uac83\uc740 \ubb34\uc5c7\uc778\uac00<\/h2>\n<p>\uc2e0\uace0\ud588\uac70\ub098 \uacfc\uc138\ubc1b\uc740 \uc18c\ub4dd, \uc2e0\uace0\ud588\uac70\ub098 \uacfc\uc138\ubc1b\uc740 \uc0c1\uc18d\u00b7\uc218\uc99d\uc7ac\uc0b0, \uc7ac\uc0b0 \ucc98\ubd84\ub300\uac00\ub098 \ube4c\ub9b0 \ub3c8 \uc911 \uc2e4\uc81c\ub85c \uc4f4 \uae08\uc561\uc785\ub2c8\ub2e4. \uc138 \uac08\ub798 \ubaa8\ub450 \uae30\ub85d\uc73c\ub85c \ub0a8\uc544 \uc788\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<h3>\uc778\uc815\ub418\ub294 \uc138 \uac00\uc9c0 \ucd9c\ucc98<\/h3>\n<p>\uc2dc\ud589\ub839 \uc81c34\uc870 \uc81c1\ud56d\uc774 \uc138 \uac00\uc9c0\ub97c \uc5f4\uac70\ud569\ub2c8\ub2e4. \uccab\uc9f8 \uc2e0\uace0\ud588\uac70\ub098 \uacfc\uc138\ubc1b\uc740 \uc18c\ub4dd, \ub458\uc9f8 \uc2e0\uace0\ud588\uac70\ub098 \uacfc\uc138\ubc1b\uc740 \uc0c1\uc18d \ub610\ub294 \uc218\uc99d\uc7ac\uc0b0, \uc14b\uc9f8 \uc7ac\uc0b0\uc744 \ucc98\ubd84\ud55c \ub300\uac00\ub85c \ubc1b\uc740 \uae08\uc804\uc774\ub098 \ubd80\ucc44\ub97c \ubd80\ub2f4\ud558\uace0 \ubc1b\uc740 \uae08\uc804\uc73c\ub85c\uc11c \uadf8 \uc7ac\uc0b0\uc758 \ucde8\ub4dd\uc5d0 \uc9c1\uc811 \uc0ac\uc6a9\ud55c \uae08\uc561\uc785\ub2c8\ub2e4. \uae09\uc5ec\uc640 \uc0ac\uc5c5\uc18c\ub4dd\uc740 \uc6d0\ucc9c\uc9d5\uc218\uc601\uc218\uc99d\uacfc \uc2e0\uace0\uc11c\ub85c, \ucc98\ubd84\ub300\uac00\ub294 \ub9e4\ub9e4\uacc4\uc57d\uc11c\uc640 \uc785\uae08 \ub0b4\uc5ed\uc73c\ub85c \uc5f0\uacb0\ub429\ub2c8\ub2e4. \ud604\uae08\uc73c\ub85c \ubcf4\uad00\ud574 \uc654\ub2e4\ub294 \uc124\uba85\uc740 \uc14b \uc911 \uc5b4\ub514\uc5d0\ub3c4 \ub4e4\uc5b4\uac00\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n<h3>\uc804\uc561\uc744 \ubc1d\ud788\uc9c0 \uc54a\uc544\ub3c4 \ub418\ub294 \uad6c\uac04<\/h3>\n<p>\uc785\uc99d\ub418\uc9c0 \uc54a\uc740 \uae08\uc561\uc774 \ucde8\ub4dd\uc7ac\uc0b0\uac00\uc561\uc758 20%\uc640 2\uc5b5\uc6d0 \uc911 \uc801\uc740 \uae08\uc561\uc5d0 \ubbf8\ub2ec\ud558\uba74 \ucd94\uc815\uc5d0\uc11c \uc81c\uc678\ub429\ub2c8\ub2e4(\uc2dc\ud589\ub839 \uc81c34\uc870 \uc81c1\ud56d \ub2e8\uc11c). 5\uc5b5\uc6d0\uc9dc\ub9ac \uc8fc\ud0dd\uc774\ub77c\uba74 20%\uc778 1\uc5b5\uc6d0\uacfc 2\uc5b5\uc6d0 \uc911 \uc801\uc740 \uae08\uc561\uc774 1\uc5b5\uc6d0\uc774\ubbc0\ub85c, 1\uc5b5\uc6d0 \ubbf8\ub9cc\uc774 \ub0a8\uc544 \uc788\ub294 \uc0c1\ud0dc\uae4c\uc9c0\ub294 \ucd94\uc815\uc774 \uc791\ub3d9\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. 15\uc5b5\uc6d0\uc9dc\ub9ac\ub77c\uba74 20%\uac00 3\uc5b5\uc6d0\uc774\uc9c0\ub9cc 2\uc5b5\uc6d0\uc774 \ub354 \uc791\uc73c\ubbc0\ub85c \uacbd\uacc4\uc120\uc740 2\uc5b5\uc6d0\uc785\ub2c8\ub2e4. \uae08\uc561\uc774 \ucee4\uc9c8\uc218\ub85d \uc644\ucda9\uc740 2\uc5b5\uc6d0\uc5d0\uc11c \uba48\ucda5\ub2c8\ub2e4.<\/p>\n<h3>\uc18c\uba85 \uc790\ub8cc\ub97c \ub9cc\ub4dc\ub294 \uc2dc\uc810<\/h3>\n<p>\uc790\uae08\uc744 \ubcf4\ub0b4\uae30 \uc804\uc785\ub2c8\ub2e4. \ucde8\ub4dd \uc2dc\uc810\uc5d0 \uc18c\ub4dd\uacfc \ub300\ucd9c, \uc9c0\uc6d0\uae08\uc758 \ube44\uc911\uc744 \uc815\ud574 \ub450\uba74 \uac01 \ud56d\ubaa9\uc5d0 \ub300\uc751\ud558\ub294 \uc11c\ub958\uac00 \uadf8\ub54c\uadf8\ub54c \ub0a8\uc2b5\ub2c8\ub2e4. \uba87 \ud574\uac00 \uc9c0\ub09c \ub4a4 \uc18c\uba85\uc744 \uc694\uad6c\ubc1b\uace0 \uc790\ub8cc\ub97c \uac70\uc2ac\ub7ec \ubaa8\uc73c\uba74, \uacc4\uc88c \uc0ac\uc774\ub97c \uc624\uac04 \uc790\uae08\uc774 \uc5b4\ub290 \ud56d\ubaa9\uc5d0 \uc18d\ud558\ub294\uc9c0 \uad6c\ubd84\ub418\uc9c0 \uc54a\uc544 \uc124\uba85 \uc790\uccb4\uac00 \uc5b4\ub824\uc6cc\uc9d1\ub2c8\ub2e4.<\/p>\n<div class=\"hoan-box hoan-box--caution\">\n<p><strong>\u203b \uc8fc\uc758 \u2014 \uc790\uae08\uc870\ub2ec\uacc4\ud68d\uc11c\ub294 \uc138\ubc95\uc774 \uc544\ub2c8\ub77c \ubd80\ub3d9\uc0b0 \uac70\ub798 \uc2e0\uace0\uc5d0\uc11c \uba3c\uc800 \uc635\ub2c8\ub2e4.<\/strong><\/p>\n<p>\uc2e4\uc81c \uac70\ub798\uac00\uaca9\uc774 6\uc5b5\uc6d0 \uc774\uc0c1\uc778 \uc8fc\ud0dd\uc744 \uc0ac\uac70\ub098, \ud22c\uae30\uacfc\uc5f4\uc9c0\uad6c \ub610\ub294 \uc870\uc815\ub300\uc0c1\uc9c0\uc5ed\uc5d0 \uc788\ub294 \uc8fc\ud0dd\uc744 \uc0ac\uba74 \uacc4\uc57d\uc77c\ubd80\ud130 30\uc77c \uc774\ub0b4\uc5d0 \uc790\uae08\uc870\ub2ec\uacc4\ud68d\uc744 \uc2e0\uace0\ud574\uc57c \ud569\ub2c8\ub2e4(\ubd80\ub3d9\uc0b0 \uac70\ub798\uc2e0\uace0 \ub4f1\uc5d0 \uad00\ud55c \ubc95\ub960 \uc81c3\uc870 \uc81c1\ud56d, \uc2dc\ud589\ub839 \ubcc4\ud45c 1 \uc81c3\ud638). \ud22c\uae30\uacfc\uc5f4\uc9c0\uad6c\uc758 \uc8fc\ud0dd\uc740 \uacc4\ud68d\uc744 \uc99d\uba85\ud558\ub294 \uc11c\ub958\uae4c\uc9c0 \ucca8\ubd80\ud574\uc57c \ud569\ub2c8\ub2e4. \ud1a0\uc9c0\uac70\ub798\ud5c8\uac00\uad6c\uc5ed\uc5d0\uc11c \ud5c8\uac00\ub97c \ubc1b\uc544 \uc8fc\ud0dd\uc744 \uc0ac\ub294 \uacbd\uc6b0\uc5d0\ub294 \uae08\uc561\uacfc \uc9c0\uc5ed\uc5d0 \uad00\uacc4\uc5c6\uc774 \uc790\uae08\uc870\ub2ec\uacc4\ud68d\uc744 \uc2e0\uace0\ud558\uace0 \uc99d\uba85\uc11c\ub958\ub3c4 \ucca8\ubd80\ud574\uc57c \ud569\ub2c8\ub2e4(\uac19\uc740 \ubcc4\ud45c \uc81c3\ud638\uc7582). \uc138\ubb34\uc11c\uc758 \uc18c\uba85 \uc694\uad6c\uac00 \uc624\uae30 \uc804\uc5d0 \uc774 \uc11c\ub958\uac00 \uba3c\uc800 \uc81c\ucd9c\ub418\uace0, \ub450 \uc11c\ub958\uc758 \ub0b4\uc6a9\uc774 \uc5b4\uae0b\ub098\uba74 \uadf8 \uc790\uccb4\uac00 \ud655\uc778 \ub300\uc0c1\uc774 \ub429\ub2c8\ub2e4. \uc9c0\uad6c\u00b7\uc9c0\uc5ed \uc9c0\uc815\uc740 \uc8fc\ud0dd\ubc95\uc5d0 \ub530\ub978 \ucc98\ubd84\uc774\ub77c \uc218\uc2dc\ub85c \ubc14\ub00c\ubbc0\ub85c \uacc4\uc57d \uc2dc\uc810\uc5d0 \ub2e4\uc2dc \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<\/div>\n<h2>\ucc28\uc6a9\uc99d\uc774 \ucc28\uc785\uc73c\ub85c \uc778\uc815\ub418\ub294 \uc694\uac74<\/h2>\n<p>\ubc95\uc774 \uc815\ud55c \uc11c\uc2dd\uc740 \uc5c6\uc2b5\ub2c8\ub2e4. \uc778\uc815 \uc5ec\ubd80\ub294 \uc774\uc790\uc640 \uc6d0\uae08\uc774 \uc2e4\uc81c\ub85c \uc624\uac14\ub294\uc9c0, \uadf8 \ud750\ub984\uc774 \ucc28\uc6a9\uc99d\uacfc \ub9de\ub294\uc9c0\ub85c \uc815\ud574\uc9d1\ub2c8\ub2e4.<\/p>\n<h3>\uc138\ubc95\uc5d0 \ucc28\uc6a9\uc99d \uc11c\uc2dd \uaddc\uc815\uc740 \uc5c6\ub2e4<\/h3>\n<p>\uc0c1\uc99d\ubc95\uacfc \uc2dc\ud589\ub839, \uc2dc\ud589\uaddc\uce59\uc5d0\ub294 \ucc28\uc6a9\uc99d\uc758 \ud615\uc2dd\u00b7\uacf5\uc99d\u00b7\ud655\uc815\uc77c\uc790\ub97c \uc694\uad6c\ud558\ub294 \uc870\ubb38\uc774 \uc5c6\uc2b5\ub2c8\ub2e4. \ucc28\uc6a9\uc99d\uc774 \ud544\uc694\ud55c \uc774\uc720\ub294 \uc11c\uc2dd \uc694\uac74\uc744 \ucc44\uc6b0\uae30 \uc704\ud574\uc11c\uac00 \uc544\ub2c8\ub77c, \uc81c45\uc870 \uc81c3\ud56d\uc758 \uc18c\uba85\uc744 \ub4b7\ubc1b\uce68\ud558\ub294 \uc99d\uac70\uac00 \ub418\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \uadf8\ub798\uc11c \uacf5\uc99d\uc744 \ubc1b\uc558\ub354\ub77c\ub3c4 \uc774\uc790\uc640 \uc6d0\uae08\uc774 \ud55c \ubc88\ub3c4 \uc6c0\uc9c1\uc774\uc9c0 \uc54a\uc558\ub2e4\uba74 \uc99d\uac70\ub85c\uc11c\uc758 \ud798\uc774 \uc57d\ud558\uace0, \ubc18\ub300\ub85c \uc774\uc790\uac00 \ub9e4\ub2ec \uacc4\uc88c\ub85c \ub4e4\uc5b4\uc624\uace0 \uc788\ub2e4\uba74 \uacf5\uc99d\uc774 \uc5c6\uc5b4\ub3c4 \ucc28\uc785\uc758 \uc2e4\uc9c8\uc774 \ub0a8\uc2b5\ub2c8\ub2e4.<\/p>\n<h3>\uc774\uc790\ub97c \uc2e4\uc81c\ub85c \uc8fc\uba74 \ubd80\ubaa8\uc5d0\uac8c \uc18c\ub4dd\uc138\uac00 \uc0dd\uae34\ub2e4<\/h3>\n<p>\ubc1b\uc740 \uc774\uc790\ub294 \ube44\uc601\uc5c5\ub300\uae08\uc758 \uc774\uc775\uc73c\ub85c 25%\uac00 \uc6d0\ucc9c\uc9d5\uc218\ub429\ub2c8\ub2e4(\uc18c\ub4dd\uc138\ubc95 \uc81c129\uc870 \uc81c1\ud56d \uc81c1\ud638 \ub098\ubaa9). \ucc28\uc785 \uad6c\uc870\ub97c \ud0dd\ud55c\ub2e4\ub294 \uac83\uc740 \uc790\ub140\uac00 \uc774\uc790\ub97c \uc9c0\uae09\ud558\uace0 \ubd80\ubaa8\uac00 \uadf8 \uc774\uc790\uc5d0 \ub300\ud574 \uc138\uae08\uc744 \ubd80\ub2f4\ud558\ub294 \uad00\uacc4\ub97c \ub9cc\ub4e0\ub2e4\ub294 \ub73b\uc785\ub2c8\ub2e4. \uc774 \ube44\uc6a9\uc744 \uac10\uc218\ud558\uace0\uc11c\ub77c\ub3c4 \uc6d0\uae08\uc744 \ub3cc\ub824\ubc1b\uc744 \uacc4\ud68d\uc774\ub77c\uba74 \ucc28\uc785\uc774 \ub9de\uace0, \uc560\ucd08\uc5d0 \ub3cc\ub824\ubc1b\uc744 \uc0dd\uac01\uc774 \uc5c6\ub2e4\uba74 \uc99d\uc5ec\ub85c \uc2e0\uace0\ud558\ub294 \ud3b8\uc774 \ub2e8\uc21c\ud569\ub2c8\ub2e4.<\/p>\n<h3>\uc0c1\ud658 \uacc4\ud68d\uc774 \uc9c0\ucf1c\uc9c0\uc9c0 \uc54a\uc744 \ub54c<\/h3>\n<p>\ucc28\uc6a9\uc99d\uc5d0 \uc801\ud78c \uc0c1\ud658\uc77c\uc5d0 \uc6d0\uae08\uc774 \uc6c0\uc9c1\uc774\uc9c0 \uc54a\uc73c\uba74 \uadf8 \uc2dc\uc810\uc5d0 \ub2e4\uc2dc \ud310\ub2e8 \ub300\uc0c1\uc774 \ub429\ub2c8\ub2e4. \ub9cc\uae30\ub97c \uae38\uac8c \uc7a1\uace0 \uc774\uc790\ub9cc \uc9c0\uae09\ud558\ub294 \uad6c\uc870\ub3c4 \uac00\ub2a5\ud558\uc9c0\ub9cc, \uc0c1\ud658 \uc774\ub825\uc774 \uc804\ud600 \uc5c6\ub294 \uc0c1\ud0dc\ub85c \uae30\uac04\ub9cc \ub298\uc5b4\ub098\uba74 \ucc98\uc74c\ubd80\ud130 \ub3cc\ub824\ubc1b\uc744 \uc758\uc0ac\uac00 \uc5c6\uc5c8\ub2e4\ub294 \ud3c9\uac00\ub85c \uc774\uc5b4\uc9d1\ub2c8\ub2e4. \ucc28\uc6a9\uc99d\uc744 \uc4f8 \ub54c \uc2e4\uc81c\ub85c \uc9c0\ud0ac \uc218 \uc788\ub294 \uc77c\uc815\uc744 \uc801\ub294 \uac83\uc774 \ud615\uc2dd\uc744 \uac16\ucd94\ub294 \uac83\ubcf4\ub2e4 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n<h2>\uc790\ub140 \uba85\uc758 \uacc4\uc88c\uc5d0 \ub123\uc5b4 \ub454 \uc790\uae08\uc758 \ucc98\ub9ac<\/h2>\n<p>\uba85\uc758\uc640 \uad00\ub9ac \uc8fc\uccb4\uac00 \uc5b4\uae0b\ub09c \uc790\uae08\uc740 \uc2dc\uac04\uc774 \uc9c0\ub098\ub3c4 \uc815\ub9ac\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc624\ud788\ub824 \uc81c\ucc99\uae30\uac04\uc774 \ub298\uc5b4\ub098\ub294 \uc720\ud615\uc5d0 \ub2ff\uc2b5\ub2c8\ub2e4.<\/p>\n<h3>\uba85\uc758\ub9cc \uc62e\uae34 \uc790\uae08<\/h3>\n<p>\uc790\ub140 \uba85\uc758\ub85c \uacc4\uc88c\ub97c \ub9cc\ub4e4\uc5b4 \uc790\uae08\uc744 \ub123\uc5b4 \ub450\uace0 \ubd80\ubaa8\uac00 \uadf8\ub300\ub85c \uad00\ub9ac\ud558\ub294 \ud615\ud0dc\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uc99d\uc5ec\ub85c \uc2e0\uace0\ud558\uc9c0 \uc54a\uc558\ub354\ub77c\ub3c4 \uc790\ub140 \uba85\uc758 \uacc4\uc88c\uc5d0 \ub4e4\uc5b4 \uc788\ub294 \uc7ac\uc0b0\uc740 \uba85\uc758\uc790\uc778 \uc790\ub140\uac00 \ucde8\ub4dd\ud55c \uac83\uc73c\ub85c \ucd94\uc815\ub429\ub2c8\ub2e4(\uc0c1\uc99d\ubc95 \uc81c45\uc870 \uc81c4\ud56d). \ubd80\ubaa8\uac00 \uad00\ub9ac\ud574 \uc628 \uc790\uae08\uc774\ub77c\ub294 \uc0ac\uc2e4\uc744 \uc785\uc99d\ud558\uc9c0 \ubabb\ud558\uba74 \uc99d\uc5ec\ub85c \uacfc\uc138\ub420 \uc218 \uc788\uace0, \uc99d\uc5ec \uc2dc\uae30\ub97c \uc5b8\uc81c\ub85c \ubcfc\uc9c0\ub294 \uc785\uae08\uacfc \uc0ac\uc6a9\uc758 \uacbd\uc704\uc5d0 \ub530\ub77c \ub2e4\ud22c\uc5b4\uc9d1\ub2c8\ub2e4. \ub098\uc911\uc5d0 \uc790\ub140\uac00 \uadf8 \uc790\uae08\uc744 \uc8fc\ud0dd \ucde8\ub4dd\uc5d0 \uc4f0\ub294 \uc2dc\uc810\uc774 \ub418\uba74, \uadf8\ub54c \ube44\ub85c\uc18c \ucde8\ub4dd\uc790\uae08\uc758 \ucd9c\ucc98\ub97c \uc124\uba85\ud574\uc57c \ud558\ub294 \uc0c1\ud669\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<h3>\uc81c\ucc99\uae30\uac04\uc774 \ub298\uc5b4\ub098\ub294 \uc720\ud615<\/h3>\n<p>\uad6d\uc138\uae30\ubcf8\ubc95 \uc81c26\uc870\uc7582 \uc81c5\ud56d\uc740 \ubd80\uc815\ud589\uc704\ub85c \uc99d\uc5ec\uc138\ub97c \ud3ec\ud0c8\ud55c \uacbd\uc6b0 \uc911 \uc218\uc99d\uc790 \uba85\uc758\uc758 \uae08\uc735\uc790\uc0b0\uc744 \uc218\uc99d\uc790\uac00 \ubcf4\uc720\ud558\uac70\ub098 \uc0ac\uc6a9\uc218\uc775\ud55c \ub54c\ub97c \ub530\ub85c \uc5f4\uac70\ud558\uace0, \uc774 \uacbd\uc6b0 \uacfc\uc138\uad00\uccad\uc774 \uc548 \ub0a0\ubd80\ud130 1\ub144 \uc774\ub0b4\uc5d0 \ubd80\uacfc\ud560 \uc218 \uc788\ub3c4\ub85d \ud569\ub2c8\ub2e4(\uc81c5\ud638). \uc0c1\uc18d\u00b7\uc99d\uc5ec \uc7ac\uc0b0\uac00\uc561\uc774 50\uc5b5\uc6d0 \uc774\ud558\uc774\uac70\ub098 \uc99d\uc5ec\uc790\u00b7\uc218\uc99d\uc790\uac00 \uc0ac\ub9dd\ud55c \uacbd\uc6b0\ub294 \uc81c\uc678\ub429\ub2c8\ub2e4.<\/p>\n<h3>\ubbf8\uc131\ub144 \uc790\ub140\uc5d0\uac8c \ubcf4\ub0b8 \uc790\uae08<\/h3>\n<p>\ubbf8\uc131\ub144 \uc790\ub140\uc758 \uc99d\uc5ec\uc7ac\uc0b0\uacf5\uc81c \ud55c\ub3c4\ub294 2\ucc9c\ub9cc\uc6d0\uc774\uba70 \uc774 \uae08\uc561\ub3c4 10\ub144\uc744 \uc18c\uae09\ud574 \ud569\uc0b0\ud569\ub2c8\ub2e4(\uc0c1\uc99d\ubc95 \uc81c53\uc870 \uc81c2\ud638). \ud55c\ub3c4 \uc548\uc5d0\uc11c \uc99d\uc5ec\ud558\uace0 \uc2e0\uace0\uae4c\uc9c0 \ub9c8\uce58\uba74 \uc790\uae08\uc758 \uc131\uaca9\uc774 \uadf8 \uc2dc\uc810\uc5d0 \ud655\uc815\ub418\ubbc0\ub85c, \uc790\ub140\uac00 \uc131\ub144\uc774 \ub41c \ub4a4 \ucde8\ub4dd\uc790\uae08\uc744 \uc124\uba85\ud560 \ub54c \uadfc\uac70\ub85c \uc4f8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc2e0\uace0\ud558\uc9c0 \uc54a\uace0 \ub123\uc5b4 \ub454 \uc790\uae08\uc740 \uadf8 \uadfc\uac70\uac00 \ub418\uc9c0 \ubabb\ud569\ub2c8\ub2e4.<\/p>\n<table class=\"compare\">\n<thead>\n<tr>\n<th>\uc790\uae08 \uc131\uaca9<\/th>\n<th>\uc778\uc815 \uc694\uac74<\/th>\n<th>\ub0a8\uaca8\uc57c \ud560 \uc790\ub8cc<\/th>\n<th>\uc778\uc815\ub418\uc9c0 \uc54a\uc73c\uba74<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\ubcf8\uc778 \uc18c\ub4dd<\/td>\n<td>\uc2e0\uace0\ud588\uac70\ub098 \uacfc\uc138\ubc1b\uc740 \uc18c\ub4dd\uc77c \uac83<\/td>\n<td>\uc6d0\ucc9c\uc9d5\uc218\uc601\uc218\uc99d, \uc18c\ub4dd\uc138 \uc2e0\uace0\uc11c, \uc785\uae08 \uacc4\uc88c<\/td>\n<td>\ucde8\ub4dd\uc790\uae08\uc5d0\uc11c \uc81c\uc678\ub418\uc5b4 \ucd94\uc815 \ub300\uc0c1 \uae08\uc561\uc774 \ub298\uc5b4\ub0a8<\/td>\n<\/tr>\n<tr>\n<td>\uc99d\uc5ec<\/td>\n<td>\uc99d\uc5ec\uc77c\uc774 \uc18d\ud558\ub294 \ub2ec\uc758 \ub9d0\uc77c\ubd80\ud130 3\uac1c\uc6d4 \ub0b4 \uc2e0\uace0<\/td>\n<td>\uc99d\uc5ec\uc138 \uc2e0\uace0\uc11c, \uc1a1\uae08 \ub0b4\uc5ed<\/td>\n<td>\ubb34\uc2e0\uace0 \uac00\uc0b0\uc138 20%, \ub0a9\ubd80\uc9c0\uc5f0 \uac00\uc0b0\uc138<\/td>\n<\/tr>\n<tr>\n<td>\ucc28\uc785<\/td>\n<td>\uc774\uc790\u00b7\uc6d0\uae08 \uc9c0\uae09\uc758 \uc2e4\uc9c8. \ubc95\uc815 \uc11c\uc2dd \uc5c6\uc74c<\/td>\n<td>\ucc28\uc6a9\uc99d, \uc774\uc790 \uc774\uccb4 \ub0b4\uc5ed, \uc6d0\uae08 \uc0c1\ud658 \ub0b4\uc5ed, \uc6d0\ucc9c\uc9d5\uc218 \uc774\ud589 \uc790\ub8cc<\/td>\n<td>\uc99d\uc5ec\ub85c \ucd94\uc815\ub418\uc5b4 \uc99d\uc5ec\uc138 \uacfc\uc138<\/td>\n<\/tr>\n<tr>\n<td>\uc7ac\uc0b0 \ucc98\ubd84\ub300\uac00<\/td>\n<td>\ucc98\ubd84\ub300\uac00\ub97c \uadf8 \ucde8\ub4dd\uc5d0 \uc9c1\uc811 \uc0ac\uc6a9<\/td>\n<td>\ub9e4\ub9e4\uacc4\uc57d\uc11c, \ucc98\ubd84\ub300\uae08 \uc785\uae08\uacfc \ucde8\ub4dd\ub300\uae08 \ucd9c\uae08\uc758 \uc5f0\uacb0<\/td>\n<td>\uc790\uae08 \ud750\ub984\uc774 \ub04a\uaca8 \ucd9c\ucc98\ub85c \uc778\uc815\ub418\uc9c0 \uc54a\uc74c<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>\ubb34\uc774\uc790\ub85c \ube4c\ub824\uc8fc\uba74 \uc5bc\ub9c8\ubd80\ud130 \uc99d\uc5ec\uc138\uac00 \ubd99\ub294\uac00<\/h2>\n<p>\ube4c\ub824\uc900 \uae08\uc561\uc5d0 \uc5f0 4.6%\ub97c \uacf1\ud55c \uac12\uc774 1\ucc9c\ub9cc\uc6d0 \uc774\uc0c1\uc77c \ub54c\ubd80\ud130\uc785\ub2c8\ub2e4. \uc6d0\uae08\uc73c\ub85c \ubcf4\uba74 \uc57d 2\uc5b5 1,700\ub9cc\uc6d0\uc774 \uacbd\uacc4\uc120\uc774\uba70, 1\ub144 \uc548\uc5d0 \ub2e4\uc2dc \ube4c\ub824\uc900 \uae08\uc561\uc774 \uc788\uc73c\uba74 \uba3c\uc800 \ube4c\ub824\uc900 \ub3c8\uc744 \ub3cc\ub824\ubc1b\uc558\ub354\ub77c\ub3c4 \uadf8 \uc774\uc775\uae4c\uc9c0 \ud569\uc0b0\ud569\ub2c8\ub2e4. 1\ub144 \ub118\uac8c \ube4c\ub824\uc900 \uae30\uc874 \ub300\uc5ec\uae08\ub3c4 \ub9e4\ub144 \uc0c8\ub85c \ube4c\ub9b0 \uac83\uc73c\ub85c \ubcf4\ubbc0\ub85c, \ucd5c\uadfc 1\ub144 \uc548\uc5d0 \uc0c8\ub85c \ube4c\ub9b0 \uac83\uc73c\ub85c \ubcf4\ub294 \ub0a0\uc774 \uc788\uc5c8\ub2e4\uba74 \uadf8 \ub4a4 \ub3cc\ub824\ubc1b\uc558\ub354\ub77c\ub3c4 \ud569\uc0b0\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h3>\uc801\uc815\uc774\uc790\uc728\uacfc \uae30\uc900\uae08\uc561<\/h3>\n<p>\ubb34\uc0c1\uc73c\ub85c \ube4c\ub824\uc8fc\uba74 \ub300\ucd9c\uae08\uc561\uc5d0 \uc801\uc815\uc774\uc790\uc728\uc744 \uacf1\ud55c \uae08\uc561\uc774, \ub0ae\uc740 \uc774\uc790\ub85c \ube4c\ub824\uc8fc\uba74 \uadf8 \uae08\uc561\uc5d0\uc11c \uc2e4\uc81c \uc9c0\uae09\ud55c \uc774\uc790\ub97c \ube80 \uae08\uc561\uc774 \uc99d\uc5ec\uc7ac\uc0b0\uac00\uc561\uc774 \ub429\ub2c8\ub2e4(\uc0c1\uc99d\ubc95 \uc81c41\uc870\uc7584 \uc81c1\ud56d). \uc801\uc815\uc774\uc790\uc728\uc740 \uc0c1\uc99d\ubc95 \uc2dc\ud589\uaddc\uce59 \uc81c10\uc870\uc7585\uac00 \ubc95\uc778\uc138\ubc95 \uc2dc\ud589\uaddc\uce59 \uc81c43\uc870 \uc81c2\ud56d\uc758 \ub2f9\uc88c\ub300\ucd9c\uc774\uc790\uc728\uc744 \uac00\ub9ac\ud0a4\uace0, \uadf8 \uac12\uc740 \uc5f0 1,000\ubd84\uc758 46, \uc989 4.6%\uc785\ub2c8\ub2e4. \uc774\ub807\uac8c \uacc4\uc0b0\ud55c \uae08\uc561\uc774 1\ucc9c\ub9cc\uc6d0 \ubbf8\ub9cc\uc774\uba74 \uc99d\uc5ec\uc7ac\uc0b0\uac00\uc561\uc5d0\uc11c \uc81c\uc678\ub429\ub2c8\ub2e4(\uc2dc\ud589\ub839 \uc81c31\uc870\uc7584 \uc81c2\ud56d).<\/p>\n<h3>\uacbd\uacc4\uc120\uc744 \uae08\uc561\uc73c\ub85c \ud658\uc0b0\ud558\uba74<\/h3>\n<p>1\ucc9c\ub9cc\uc6d0\uc744 4.6%\ub85c \ub098\ub204\uba74 \uc57d 2\uc5b5 1,739\ub9cc\uc6d0\uc785\ub2c8\ub2e4. 2\uc5b5\uc6d0\uc744 \ubb34\uc774\uc790\ub85c \ube4c\ub824\uc8fc\uba74 920\ub9cc\uc6d0\uc774 \ub098\uc640 \uae30\uc900\uae08\uc561\uc5d0 \ubbf8\ub2ec\ud558\uace0, 2\uc5b5 5\ucc9c\ub9cc\uc6d0\uc774\uba74 1,150\ub9cc\uc6d0\uc774 \ub418\uc5b4 \uadf8 \uae08\uc561\uc774 \uc99d\uc5ec\uc7ac\uc0b0\uac00\uc561\uc5d0 \ub4e4\uc5b4\uac11\ub2c8\ub2e4. \uc774\uc790\ub97c \uc870\uae08\uc774\ub77c\ub3c4 \uc8fc\uba74 \uacbd\uacc4\uc120\uc740 \uc62c\ub77c\uac11\ub2c8\ub2e4. \uc5f0 2%\ub85c 3\uc5b5\uc6d0\uc744 \ube4c\ub824\uc8fc\uba74 4.6%\uc640\uc758 \ucc28\uc774\uc778 2.6%\ub97c \uacf1\ud574 780\ub9cc\uc6d0\uc774\ubbc0\ub85c \uc544\uc9c1 \uae30\uc900\uae08\uc561\uc5d0 \ubbf8\ub2ec\ud558\uace0, \uac19\uc740 \uc870\uac74\uc5d0\uc11c 4\uc5b5\uc6d0\uc774\uba74 1,040\ub9cc\uc6d0\uc774 \ub418\uc5b4 \ub118\uc5b4\uc12d\ub2c8\ub2e4.<\/p>\n<h3>\ud55c \ubc88 \ub118\uc9c0 \uc54a\uc558\ub2e4\uace0 \ub05d\ub098\uc9c0 \uc54a\ub294\ub2e4<\/h3>\n<p>\ub300\ucd9c\uae30\uac04\uc744 \uc815\ud558\uc9c0 \uc54a\uc73c\uba74 1\ub144\uc73c\ub85c \ubcf4\uace0, 1\ub144 \uc774\uc0c1\uc774\uba74 1\ub144\uc774 \ub418\ub294 \ub0a0\uc758 \ub2e4\uc74c \ub0a0\uc5d0 \ub9e4\ub144 \uc0c8\ub85c \ube4c\ub9b0 \uac83\uc73c\ub85c \ubcf4\uc544 \ub2e4\uc2dc \uacc4\uc0b0\ud569\ub2c8\ub2e4(\uc81c41\uc870\uc7584 \uc81c2\ud56d). \ud310\uc815\uc774 \ub9e4\ub144 \ub418\ud480\uc774\ub418\ubbc0\ub85c \uccab\ud574\uc5d0 \uae30\uc900\uae08\uc561\uc5d0 \ubbf8\ub2ec\ud588\ub354\ub77c\ub3c4 \uc6d0\uae08\uc744 \ub354 \ube4c\ub824\uc8fc\uba74 \uc5b4\ub290 \ud574\ubd80\ud130 \ub118\uc5b4\uac11\ub2c8\ub2e4. \uc99d\uc5ec\uc2dc\uae30\ub294 \ube4c\ub9b0 \ub0a0\uc774\uace0, \ub098\ub204\uc5b4 \ube4c\ub838\ub2e4\uba74 \uac01\uac01\uc758 \ub300\ucd9c\uc77c\uc774 \uae30\uc900\uc785\ub2c8\ub2e4. \ub2e4\ub9cc \uadf8 \ub300\ucd9c\uc77c\ubd80\ud130 \uc18c\uae09\ud574 1\ub144 \uc774\ub0b4\uc5d0 \uac19\uc740 \uac70\ub798\uac00 \ub610 \uc788\uc73c\uba74 \uac01 \ub300\ucd9c\uc758 \uc774\uc775\uc744 \ud569\uc0b0\ud574 1\ucc9c\ub9cc\uc6d0 \uae30\uc900\uc744 \ud310\ub2e8\ud569\ub2c8\ub2e4(\uc0c1\uc99d\ubc95 \uc81c43\uc870 \uc81c2\ud56d, \uc2dc\ud589\ub839 \uc81c32\uc870\uc7584 \uc81c9\ud638). 1\uc5b5\uc6d0\uc529 \ub450 \ubc88 \ub098\ub204\uc5b4 \ube4c\ub824\uc900\ub2e4\uace0 \ud574\uc11c \uac74\ub9c8\ub2e4 \ub530\ub85c \ud310\uc815\ubc1b\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. 1\ub144 \uc774\uc0c1 \ube4c\ub824\uc900 \ub3c8\uc740 \ub9e4\ub144 \uc0c8\ub85c \ube4c\ub9b0 \uac83\uc73c\ub85c \ubcf4\ubbc0\ub85c, \ucc98\uc74c \ube4c\ub824\uc900 \ub0a0\uc774 1\ub144 \ub118\uac8c \uc9c0\ub09c \ub300\uc5ec\uae08\ub3c4 \ucd5c\uadfc 1\ub144 \uc548\uc5d0 \uc0c8\ub85c \ube4c\ub9b0 \uac83\uc73c\ub85c \ubcf4\ub294 \ub0a0\uc774 \uc788\uc5c8\ub2e4\uba74, \uadf8 \ub4a4 \ub3cc\ub824\ubc1b\uc558\ub354\ub77c\ub3c4 \uc774 \ud569\uc0b0\uc5d0 \ub4e4\uc5b4\uc62c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<table class=\"compare\">\n<thead>\n<tr>\n<th>\uad6c\ubd84<\/th>\n<th>2\uc5b5\uc6d0 \ubb34\uc774\uc790<\/th>\n<th>2\uc5b5 5\ucc9c\ub9cc\uc6d0 \ubb34\uc774\uc790<\/th>\n<th>4\uc5b5\uc6d0\u00b7\uc5f0 2% \uc9c0\uae09<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\uc804\uc81c<\/td>\n<td colspan=\"3\">\ubd80\ubaa8\uac00 \uc131\ub144 \uc790\ub140\uc5d0\uac8c \ub300\uc5ec, \ub300\ucd9c\uae30\uac04 1\ub144 \uc774\uc0c1, \ub2e4\ub978 \uc99d\uc5ec \uc5c6\uc74c<\/td>\n<\/tr>\n<tr>\n<td>\uc801\uc815\uc774\uc790 \uc0c1\ub2f9\uc561<\/td>\n<td>920\ub9cc\uc6d0<\/td>\n<td>1,150\ub9cc\uc6d0<\/td>\n<td>1,840\ub9cc\uc6d0<\/td>\n<\/tr>\n<tr>\n<td>\uc2e4\uc81c \uc9c0\uae09 \uc774\uc790<\/td>\n<td>0\uc6d0<\/td>\n<td>0\uc6d0<\/td>\n<td>800\ub9cc\uc6d0<\/td>\n<\/tr>\n<tr>\n<td>\uc99d\uc5ec\uc774\uc775<\/td>\n<td>920\ub9cc\uc6d0<\/td>\n<td>1,150\ub9cc\uc6d0<\/td>\n<td>1,040\ub9cc\uc6d0<\/td>\n<\/tr>\n<tr>\n<td>1\ucc9c\ub9cc\uc6d0 \uae30\uc900\uae08\uc561<\/td>\n<td>\ubbf8\ub2ec \u2014 \uc81c\uc678<\/td>\n<td>\ucd08\uacfc \u2014 \uc0b0\uc785<\/td>\n<td>\ucd08\uacfc \u2014 \uc0b0\uc785<\/td>\n<\/tr>\n<tr>\n<td>\uc790\ub140\uc758 \uc99d\uc5ec\uc7ac\uc0b0\uac00\uc561<\/td>\n<td>0\uc6d0<\/td>\n<td>1,150\ub9cc\uc6d0<\/td>\n<td>1,040\ub9cc\uc6d0<\/td>\n<\/tr>\n<tr>\n<td>\ubd80\ubaa8\uc5d0\uac8c \uc0dd\uae30\ub294 \uc138\ubaa9<\/td>\n<td>\uc5c6\uc74c<\/td>\n<td>\uc5c6\uc74c<\/td>\n<td>\uc774\uc790 800\ub9cc\uc6d0\uc5d0 \ub300\ud55c \ube44\uc601\uc5c5\ub300\uae08 \uc774\uc775 \uc6d0\ucc9c\uc9d5\uc218 25%<\/td>\n<\/tr>\n<tr>\n<td>\ub2e4\uc74c \ud574 \ud310\uc815<\/td>\n<td colspan=\"3\">1\ub144\uc774 \ub418\ub294 \ub0a0\uc758 \ub2e4\uc74c \ub0a0\uc5d0 \uc0c8\ub85c \uacc4\uc0b0. \uc6d0\uae08\uc774 \uadf8\ub300\ub85c\uba74 \uac19\uc740 \uacb0\uacfc\uac00 \ubc18\ubcf5\ub428<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\uc99d\uc5ec\uc7ac\uc0b0\uac00\uc561\uc774 \uc7a1\ud788\ub354\ub77c\ub3c4 \uc9c1\uacc4\uc874\uc18d\uc5d0\uac8c\uc11c \ubc1b\uc740 \uc99d\uc5ec\uc7ac\uc0b0\uacf5\uc81c\uac00 \ub0a8\uc544 \uc788\uc73c\uba74 \ub2f9\uc7a5 \ub0bc \uc138\uc561\uc740 \ub098\uc624\uc9c0 \uc54a\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\ub9cc \uadf8 \uacf5\uc81c\ub294 10\ub144 \ub2e8\uc704\ub85c \ub2e4\ub978 \uc99d\uc5ec\uc640 \ud569\uc0b0\ub418\ubbc0\ub85c, \ubb34\uc0c1\ub300\ucd9c\ub85c \ucc44\uc6cc \ub123\uc740 \ub9cc\ud07c \ub098\uc911\uc5d0 \ud604\uae08\uc774\ub098 \ubd80\ub3d9\uc0b0\uc744 \ub118\uae38 \uc5ec\uc9c0\uac00 \uc904\uc5b4\ub4ed\ub2c8\ub2e4. \uacf5\uc81c \ud55c\ub3c4\uac00 \uacc4\uc0b0\ub418\ub294 \ubc29\uc2dd\uc740 <a href=\"\/insights\/janyeo-bumo-jeungyeo-hando\/\">\uc790\ub140\uac00 \ubd80\ubaa8\uc5d0\uac8c \uc99d\uc5ec, \uacf5\uc81c \ud55c\ub3c4 5\ucc9c\ub9cc\uc6d0\uc740 \uc5b4\ub5bb\uac8c \uacc4\uc0b0\ub418\ub294\uac00<\/a>\uc5d0\uc11c \ub2e4\ub918\uc2b5\ub2c8\ub2e4.<\/p>\n<div class=\"hoan-box hoan-box--prac\">\n<p><strong>\uc2e4\ubb34 \ud3ec\uc778\ud2b8 \u2014 \uae30\uc900\uae08\uc561 \uc544\ub798\ub85c \ub9de\ucd94\ub294 \uc124\uacc4\uac00 \ub298 \uc720\ub9ac\ud558\uc9c0\ub294 \uc54a\uc2b5\ub2c8\ub2e4.<\/strong><\/p>\n<p>\ucd5c\uadfc 1\ub144 \uc0ac\uc774\uc5d0 \ube4c\ub824\uc900 \uc0c1\ud0dc\uc600\ub358 \ub2e4\ub978 \ub300\uc5ec\uae08(\uadf8 \ub4a4 \ub3cc\ub824\ubc1b\uc740 \uac83 \ud3ec\ud568)\uc774 \uc5c6\ub2e4\uba74 2\uc5b5\uc6d0\uae4c\uc9c0\ub294 \ubb34\uc774\uc790\ub85c \ube4c\ub824\uc918\ub3c4 \uc99d\uc5ec\uc7ac\uc0b0\uac00\uc561\uc774 \uc7a1\ud788\uc9c0 \uc54a\uc73c\ubbc0\ub85c \uc774 \uad6c\uac04\uc744 \ud65c\uc6a9\ud558\ub294 \uc124\uacc4\uac00 \uc790\uc8fc \uc81c\uc548\ub429\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ucc28\uc785\uc73c\ub85c \uc815\ub9ac\ud55c \uae08\uc561\uc740 \uc5b8\uc820\uac00 \ub3cc\ub824\ubc1b\uc544\uc57c \ud558\ub294 \ub3c8\uc774\uace0, \ub3cc\ub824\ubc1b\uc9c0 \uc54a\uc73c\uba74 \uadf8 \uc2dc\uc810\uc5d0 \uc99d\uc5ec\ub85c \ub2e4\uc2dc \ud310\ub2e8\ub429\ub2c8\ub2e4. \uc0c1\ub2f4\uc5d0\uc11c \uc790\uc8fc \ubcf4\ub294 \ud615\ud0dc\uac00 \uae30\uc900\uae08\uc561\uc5d0 \ub9de\ucdb0 \ucc28\uc785\uc73c\ub85c \ud574 \ub450\uc5c8\ub2e4\uac00 \ub418\ub808 \ub9e4\ub144 \ud310\uc815\uacfc \uc0c1\ud658 \uad00\ub9ac\ub97c \ub5a0\uc548\ub294 \uacbd\uc6b0\uc785\ub2c8\ub2e4. \uc790\ub140\uc5d0\uac8c \ucd5c\uc885\uc801\uc73c\ub85c \ub0a8\uae38 \uc790\uae08\uc774\ub77c\uba74 \uc99d\uc5ec\ub85c \uc2e0\uace0\ud574 10\ub144 \ud569\uc0b0\uc758 \uc2dc\uacc4\ub97c \uc77c\ucc0d \ub3cc\ub9ac\ub294 \ud3b8\uc774 \ucd1d\uc561\uc5d0\uc11c \uc720\ub9ac\ud55c \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n<\/div>\n<h2>\uc790\uae08\ucd9c\ucc98\uc870\uc0ac\ub294 \uc5b4\ub514\uae4c\uc9c0 \uc18c\uae09\ud558\ub294\uac00<\/h2>\n<p>\uc99d\uc5ec\uc138 \ubd80\uacfc \uc81c\ucc99\uae30\uac04\uc740 \uc6d0\uce59 10\ub144, \ubb34\uc2e0\uace0\ub098 \ubd80\uc815\ud589\uc704\uac00 \uc788\uc73c\uba74 15\ub144\uc785\ub2c8\ub2e4. \ud2b9\uc815 \uc720\ud615\uc740 \uae30\uac04\uc774 \uc0ac\uc2e4\uc0c1 \uc5f4\ub824 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h3>10\ub144\uacfc 15\ub144\uc758 \ubd84\uae30<\/h3>\n<p>\uc0c1\uc18d\uc138\uc640 \uc99d\uc5ec\uc138\uc758 \ubd80\uacfc \uc81c\ucc99\uae30\uac04\uc740 \uc2e0\uace0\uae30\ud55c\uc758 \ub2e4\uc74c \ub0a0\ubd80\ud130 10\ub144\uc785\ub2c8\ub2e4(\uad6d\uc138\uae30\ubcf8\ubc95 \uc81c26\uc870\uc7582 \uc81c4\ud56d). \ubd80\uc815\ud589\uc704\ub85c \ud3ec\ud0c8\ud558\uac70\ub098, \uc2e0\uace0\uc11c\ub97c \uc81c\ucd9c\ud558\uc9c0 \uc54a\uc558\uac70\ub098, \uac70\uc9d3 \uc2e0\uace0 \ub610\ub294 \ub204\ub77d \uc2e0\uace0\ud55c \uacbd\uc6b0\uc5d0\ub294 15\ub144\uc785\ub2c8\ub2e4(\uac19\uc740 \ud56d \uc81c1\ud638\ubd80\ud130 \uc81c3\ud638\uae4c\uc9c0). \uc99d\uc5ec\uc138\ub97c \uc2e0\uace0\ud558\uc9c0 \uc54a\uc558\ub2e4\uba74 \ucc98\uc74c\ubd80\ud130 15\ub144\uc774 \uc801\uc6a9\ub418\ubbc0\ub85c, 10\ub144\uc774 \uc9c0\ub098\uba74 \uc548\uc804\ud574\uc9c4\ub2e4\ub294 \uacc4\uc0b0\uc740 \uc2e0\uace0\ub97c \ub9c8\uce5c \uacbd\uc6b0\uc5d0\ub9cc \uc131\ub9bd\ud569\ub2c8\ub2e4.<\/p>\n<h3>\uae30\uac04\uc774 \uc5f4\ub824 \uc788\ub294 \uc720\ud615<\/h3>\n<p>\ubd80\uc815\ud589\uc704\ub85c \uc99d\uc5ec\uc138\ub97c \ud3ec\ud0c8\ud55c \uacbd\uc6b0\ub85c\uc11c \uc81c3\uc790 \uba85\uc758\uc758 \uc7ac\uc0b0\uc744 \uc218\uc99d\uc790\uac00 \ucde8\ub4dd\ud588\uac70\ub098, \uc218\uc99d\uc790 \uba85\uc758\uc758 \uae08\uc735\uc790\uc0b0\uc744 \uc218\uc99d\uc790\uac00 \ubcf4\uc720\u00b7\uc0ac\uc6a9\uc218\uc775\ud55c \ub54c\uc5d0\ub294 \uacfc\uc138\uad00\uccad\uc774 \uc99d\uc5ec \uc0ac\uc2e4\uc744 \uc548 \ub0a0\ubd80\ud130 1\ub144 \uc774\ub0b4\uc5d0 \ubd80\uacfc\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4(\uc81c26\uc870\uc7582 \uc81c5\ud56d \uc81c1\ud638\u00b7\uc81c5\ud638). \uc7ac\uc0b0\uac00\uc561\uc774 50\uc5b5\uc6d0 \uc774\ud558\uc774\uac70\ub098 \uc99d\uc5ec\uc790\u00b7\uc218\uc99d\uc790\uac00 \uc0ac\ub9dd\ud55c \uacbd\uc6b0\ub294 \uc81c\uc678\ub429\ub2c8\ub2e4. \uc790\ub140 \uba85\uc758 \uacc4\uc88c\uc5d0 \uc790\uae08\uc744 \ub123\uc5b4 \ub450\uace0 \ubd80\ubaa8\uac00 \uad00\ub9ac\ud574 \uc628 \ud615\ud0dc\uac00 \uc5ec\uae30\uc5d0 \ub2ff\uc744 \uc218 \uc788\ub294 \uc720\ud615\uc785\ub2c8\ub2e4.<\/p>\n<h3>\uc870\uc0ac\uac00 \uc2dc\uc791\ub418\ub294 \uacbd\ub85c<\/h3>\n<p>\ubd80\ub3d9\uc0b0 \ucde8\ub4dd \uc2e0\uace0\uc640 \uc790\uae08\uc870\ub2ec\uacc4\ud68d\uc11c, \uae08\uc735\uc815\ubcf4, \uc18c\ub4dd \ub300\ube44 \uc7ac\uc0b0 \uc99d\uac00\uac00 \ub300\uc870\ub418\uba74\uc11c \ub300\uc0c1\uc774 \uc815\ud574\uc9d1\ub2c8\ub2e4. \uad6d\uc138\uccad \uc0ac\ubb34\ucc98\ub9ac\uaddc\uc815\uc740 \uc218\uc99d\ud610\uc758\uc790\uc758 \uc8fc\uc18c\uc9c0 \uad00\ud560\uc5d0\uc11c \uc870\uc0ac\ud558\ub3c4\ub85d \ud558\uace0, \uc99d\uc5ec\ud610\uc758\uc790\uc778 \ubc30\uc6b0\uc790\ub098 \uc9c1\uacc4\uc874\ube44\uc18d\uc744 \ud568\uaed8 \uc870\uc0ac \ub300\uc0c1\uc73c\ub85c \uc815\ud560 \uc218 \uc788\uac8c \ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc790\ub140\ub97c \uc870\uc0ac\ud558\uba74\uc11c \ubd80\ubaa8\uc758 \uc790\uae08 \ud750\ub984\ub3c4 \ud568\uaed8 \ud655\uc778\ub418\ub294 \uad6c\uc870\uc785\ub2c8\ub2e4.<\/p>\n<h2>\uc815\ub9ac \u2014 \uc790\ub140\uc5d0\uac8c \uc790\uae08\uc744 \ubcf4\ub0bc \ub54c \ubb34\uc5c7\ubd80\ud130 \uc815\ud574\uc57c \ud558\ub294\uac00<\/h2>\n<p><strong>\ubcf4\ub0b4\uae30 \uc804\uc5d0 \uc131\uaca9\uc744 \uc815\ud558\uace0, \uadf8 \uc131\uaca9\uc5d0 \ub9de\ub294 \ud754\uc801\uc744 \ub0a8\uae30\ub294 \uc21c\uc11c\uc785\ub2c8\ub2e4.<\/strong> \uc99d\uc5ec\uc778\uc9c0 \ucc28\uc785\uc778\uc9c0\ub97c \uc815\ud558\uc9c0 \uc54a\uc740 \ucc44 \uc1a1\uae08\ubd80\ud130 \ud558\uba74, \ub098\uc911\uc5d0 \uc5b4\ub290 \ucabd\uc73c\ub85c\ub3c4 \uc124\uba85\ud558\uae30 \uc5b4\ub824\uc6b4 \uc790\uae08\uc774 \ub429\ub2c8\ub2e4. \ud310\ub2e8\uc740 \ub2e4\uc74c \uc138 \uac00\uc9c0\ub85c \ub098\ub269\ub2c8\ub2e4.<\/p>\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"740\" src=\"https:\/\/hoantax.co.kr\/insights\/wp-content\/uploads\/2026\/09\/B_somyeong-sunseo.png\" alt=\"\uc790\uae08 \uc18c\uba85 \uc21c\uc11c \u2014 \ucc28\uc6a9 \uc5ec\ubd80 \ud655\uc815, \uacc4\uc57d\uc77c\uacfc \uc774\uc790\u00b7\uc6d0\uae08 \uc9c0\uae09 \uae30\ub85d \ud655\ubcf4, \ubbf8\uc785\uc99d\uc561\uc774 \ucde8\ub4dd\uc7ac\uc0b0\uac00\uc561 20%\uc640 2\uc5b5\uc6d0 \uc911 \uc801\uc740 \uae08\uc561 \uc548\uc778\uc9c0 \uacc4\uc0b0\" class=\"wp-image-6360\" srcset=\"https:\/\/hoantax.co.kr\/insights\/wp-content\/uploads\/2026\/09\/B_somyeong-sunseo.png 1200w, https:\/\/hoantax.co.kr\/insights\/wp-content\/uploads\/2026\/09\/B_somyeong-sunseo-300x185.png 300w, https:\/\/hoantax.co.kr\/insights\/wp-content\/uploads\/2026\/09\/B_somyeong-sunseo-1024x631.png 1024w, https:\/\/hoantax.co.kr\/insights\/wp-content\/uploads\/2026\/09\/B_somyeong-sunseo-768x474.png 768w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><figcaption class=\"wp-element-caption\">\uc99d\uc5ec \ucd94\uc815(\uc0c1\uc99d\ubc95 \uc81c45\uc870 \uc81c1\ud56d)\uc740 \ucd9c\ucc98\ub97c \ucda9\ubd84\ud788 \uc18c\uba85\ud558\uba74 \uc801\uc6a9\ub418\uc9c0 \uc54a\ub294\ub2e4(\uac19\uc740 \uc870 \uc81c3\ud56d)<\/figcaption><\/figure>\n<table class=\"compare\">\n<thead>\n<tr>\n<th>\uc0c1\ud669<\/th>\n<th>\uc120\ud0dd<\/th>\n<th>\uadfc\uac70<\/th>\n<th>\ub0a8\uaca8\uc57c \ud560 \uac83<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\ub3cc\ub824\ubc1b\uc744 \uc0dd\uac01\uc774 \uc5c6\ub294 \uc790\uae08<\/td>\n<td>\uc99d\uc5ec\ub85c \uc2e0\uace0<\/td>\n<td>\uc81c53\uc870 \uacf5\uc81c\uc640 10\ub144 \ud569\uc0b0<\/td>\n<td>\uc99d\uc5ec\uc138 \uc2e0\uace0\uc11c, \uc1a1\uae08 \ub0b4\uc5ed<\/td>\n<\/tr>\n<tr>\n<td>\ub3cc\ub824\ubc1b\uc744 \uacc4\ud68d\uc774 \uc788\uace0 \ucd5c\uadfc 1\ub144 \uc0ac\uc774\uc5d0 \ube4c\ub824\uc900 \uc0c1\ud0dc\uc600\ub358 \uae08\uc561(\uadf8 \ub4a4 \ub3cc\ub824\ubc1b\uc740 \uac83 \ud3ec\ud568)\uc744 \ubaa8\ub450 \ud569\uccd0 2\uc5b5\uc6d0 \uc774\ud558<\/td>\n<td>\ubb34\uc774\uc790 \ucc28\uc785<\/td>\n<td>\uc81c41\uc870\uc7584 \uc81c1\ud56d \ub2e8\uc11c, 1\ucc9c\ub9cc\uc6d0 \uae30\uc900\uae08\uc561, \uc81c43\uc870 \uc81c2\ud56d 1\ub144 \ud569\uc0b0<\/td>\n<td>\ucc28\uc6a9\uc99d, \uc0c1\ud658 \uc774\ub825, \ub9e4\ub144 \ubc18\ubcf5\ub418\ub294 \ud310\uc815 \uad00\ub9ac<\/td>\n<\/tr>\n<tr>\n<td>\ub3cc\ub824\ubc1b\uc744 \uacc4\ud68d\uc774 \uc788\uace0 \uae08\uc561\uc774 \ud070 \uacbd\uc6b0<\/td>\n<td>\uc774\uc790 \uc9c0\uae09 \ucc28\uc785<\/td>\n<td>\uc81c41\uc870\uc7584 \uc81c1\ud56d \uc81c2\ud638<\/td>\n<td>\uc774\uc790 \uc774\uccb4 \ub0b4\uc5ed, \ube44\uc601\uc5c5\ub300\uae08 \uc774\uc775 \uc6d0\ucc9c\uc9d5\uc218 25% \uc774\ud589<\/td>\n<\/tr>\n<tr>\n<td>6\uc5b5\uc6d0 \uc774\uc0c1 \uc8fc\ud0dd, \ud22c\uae30\uacfc\uc5f4\uc9c0\uad6c\u00b7\uc870\uc815\ub300\uc0c1\uc9c0\uc5ed \uc8fc\ud0dd, \ud1a0\uc9c0\uac70\ub798\ud5c8\uac00\uad6c\uc5ed \uc8fc\ud0dd\uc744 \uc0ac\ub294 \uacbd\uc6b0<\/td>\n<td>\uc704 \uc120\ud0dd\uacfc \ubcc4\uac1c\ub85c \uc2e0\uace0 \uc758\ubb34<\/td>\n<td>\ubd80\ub3d9\uc0b0 \uac70\ub798\uc2e0\uace0\ubc95 \uc81c3\uc870 \uc81c1\ud56d, \uc2dc\ud589\ub839 \ubcc4\ud45c 1<\/td>\n<td>\uacc4\uc57d\uc77c\ubd80\ud130 30\uc77c \ub0b4 \uc790\uae08\uc870\ub2ec\uacc4\ud68d\uc11c, \ub0b4\uc6a9\uc758 \uc77c\uad00\uc131<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<div class=\"hoan-box hoan-box--prac\">\n<p class=\"vs-t\"><strong>\uacb0\ub860<\/strong><\/p>\n<p>\uc790\ub140\uc5d0\uac8c \ucd5c\uc885\uc801\uc73c\ub85c \ub0a8\uae38 \uc790\uae08\uc774\ub77c\uba74 \uc99d\uc5ec\ub85c \uc2e0\uace0\ud558\uace0 10\ub144 \ud569\uc0b0\uc758 \uc2dc\uacc4\ub97c \uc77c\ucc0d \ub3cc\ub9ac\ub294 \uac83\uc774 \uc720\ub9ac\ud569\ub2c8\ub2e4. \ub3cc\ub824\ubc1b\uc744 \uacc4\ud68d\uc774 \ubd84\uba85\ud558\uace0 \ucd5c\uadfc 1\ub144 \uc0ac\uc774\uc5d0 \ube4c\ub824\uc900 \uc0c1\ud0dc\uc600\ub358 \uae08\uc561(\uadf8 \ub4a4 \ub3cc\ub824\ubc1b\uc740 \uac83 \ud3ec\ud568)\uc744 \ubaa8\ub450 \ud569\uccd0 2\uc5b5\uc6d0 \uc774\ud558\ub77c\uba74, \ucc28\uc6a9\uc73c\ub85c \uc778\uc815\ub418\ub294 \ud55c \ubb34\uc774\uc790\ub77c\ub3c4 \uc99d\uc5ec\uc7ac\uc0b0\uac00\uc561\uc774 \uc0dd\uae30\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ucc28\uc6a9\uc73c\ub85c \uc778\uc815\ubc1b\ub294 \uadfc\uac70\ub294 \ucc28\uc6a9\uc99d\uacfc \uc2e4\uc81c \uc0c1\ud658 \uae30\ub85d\uc785\ub2c8\ub2e4. \uae08\uc561\uc774 \uc57d 2\uc5b5 1,739\ub9cc\uc6d0\uc744 \ub118\uc5b4\uac00\uba74 \ubb34\uc774\uc790\ub85c\ub294 \uc99d\uc5ec\uc7ac\uc0b0\uac00\uc561\uc774 \ub9e4\ub144 \uc0c8\ub85c \uacc4\uc0b0\ub418\ubbc0\ub85c, \uc774\uc790\ub97c \uc9c0\uae09\ud558\ub294 \uad6c\uc870\uc640 \uc99d\uc5ec \uc2e0\uace0 \uc911\uc5d0\uc11c \ucd1d\ubd80\ub2f4\uc744 \uacc4\uc0b0\ud574 \uc815\ud558\uc2e4 \uc2dc\uc810\uc785\ub2c8\ub2e4.<\/p>\n<p class=\"hoan-consult\"><strong>\uc790\uae08\uc758 \uc131\uaca9\uc740 \ubcf4\ub0b4\uae30 \uc804\uc5d0 \uc815\ud574\uc57c \uc790\ub8cc\uac00 \ub0a8\uc2b5\ub2c8\ub2e4. \uc1a1\uae08 \uc804\uc5d0 1:1 \uc0c1\ub2f4\uc744 \uc2e0\uccad\ud574 \uc8fc\uc2ed\uc2dc\uc624.<\/strong> \uc138\ubb34\ubc95\uc778 \ud638\uc548\uc774 \ucde8\ub4dd \uc2dc\uc810\uc758 \uc790\uae08 \uad6c\uc131\uacfc \uc18c\uba85 \uc790\ub8cc\ub97c \ud568\uaed8 \uc124\uacc4\ud574 \ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\n<p>  <a class=\"hoan-cta-btn\" href=\"\/insights\/contact\/\">1:1 \uc0c1\ub2f4 \uc2e0\uccad \u2192<\/a>\n<\/div>\n<h2>\uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38<\/h2>\n<div class=\"hoan-faq\">\n<details>\n<summary>\ucc28\uc6a9\uc99d\uc740 \uacf5\uc99d\uc744 \ubc1b\uc544\uc57c \uc778\uc815\ub429\ub2c8\uae4c?<\/summary>\n<p>\uacf5\uc99d\uc744 \uc694\uad6c\ud558\ub294 \uc138\ubc95 \uc870\ubb38\uc740 \uc5c6\uc2b5\ub2c8\ub2e4. \ucc28\uc6a9\uc99d\uc740 \uc0c1\uc99d\ubc95 \uc81c45\uc870 \uc81c3\ud56d\uc758 \uc18c\uba85\uc744 \ub4b7\ubc1b\uce68\ud558\ub294 \uc99d\uac70\uc774\uace0, \uc778\uc815 \uc5ec\ubd80\ub294 \uc774\uc790\uc640 \uc6d0\uae08\uc774 \uc2e4\uc81c\ub85c \uc624\uac04 \uacc4\uc88c \uae30\ub85d\uc73c\ub85c \uc815\ud574\uc9d1\ub2c8\ub2e4. \uacf5\uc99d\uc744 \ubc1b\uc544 \ub450\uba74 \uc791\uc131 \uc2dc\uc810\uc774 \uba85\ud655\ud574\uc9c0\ub294 \ud6a8\uacfc\ub294 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<\/details>\n<details>\n<summary>2\uc5b5\uc6d0\uae4c\uc9c0\ub294 \ubb34\uc774\uc790\ub85c \ube4c\ub824\uc918\ub3c4 \uc138\uae08\uc774 \uc5c6\uc2b5\ub2c8\uae4c?<\/summary>\n<p>2\uc5b5\uc6d0\uc5d0 4.6%\ub97c \uacf1\ud558\uba74 920\ub9cc\uc6d0\uc774\uace0 \uae30\uc900\uae08\uc561 1\ucc9c\ub9cc\uc6d0\uc5d0 \ubbf8\ub2ec\ud558\ubbc0\ub85c \uc99d\uc5ec\uc7ac\uc0b0\uac00\uc561\uc5d0\uc11c \uc81c\uc678\ub429\ub2c8\ub2e4(\uc0c1\uc99d\ubc95 \uc81c41\uc870\uc7584 \uc81c1\ud56d \ub2e8\uc11c). \uacbd\uacc4\uc120\uc740 \uc57d 2\uc5b5 1,700\ub9cc\uc6d0\uc785\ub2c8\ub2e4. 1\ub144 \uc548\uc5d0 \uac19\uc740 \uc0ac\ub78c\uc5d0\uac8c \ub2e4\uc2dc \ubb34\uc774\uc790\ub85c \ube4c\ub824\uc900 \uae08\uc561\uc774 \uc788\uc73c\uba74 \uba3c\uc800 \ube4c\ub824\uc900 \ub3c8\uc744 \ub3cc\ub824\ubc1b\uc558\ub354\ub77c\ub3c4 \uadf8 \uc774\uc775\uae4c\uc9c0 \ud569\uc0b0\ud574 \ud310\ub2e8\ud569\ub2c8\ub2e4(\uc81c43\uc870 \uc81c2\ud56d). 2\uc5b5\uc6d0\uc744 \ube4c\ub824\uc900 \ub4a4 1\ub144 \uc548\uc5d0 1\uc5b5\uc6d0\uc744 \ub354 \ube4c\ub824\uc8fc\uba74 920\ub9cc\uc6d0\uacfc 460\ub9cc\uc6d0\uc744 \ud569\uce5c 1,380\ub9cc\uc6d0\uc774 \ub418\uc5b4 \uae30\uc900\uae08\uc561\uc744 \ub118\uc2b5\ub2c8\ub2e4. 1\ub144 \uc774\uc0c1 \ube4c\ub824\uc900 \ub3c8\uc740 \ub9e4\ub144 \uc0c8\ub85c \ube4c\ub9b0 \uac83\uc73c\ub85c \ubcf4\ubbc0\ub85c(\uc81c41\uc870\uc7584 \uc81c2\ud56d), \ucd5c\uadfc 1\ub144 \uc548\uc5d0 \uc0c8\ub85c \ube4c\ub9b0 \uac83\uc73c\ub85c \ubcf4\ub294 \ub0a0\uc774 \uc788\uc5c8\ub358 \uae30\uc874 \ub300\uc5ec\uae08\uc740 \uadf8 \ub4a4 \ub3cc\ub824\ubc1b\uc558\uc5b4\ub3c4 \ud569\uc0b0\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\ub9cc \uc774 \ud310\uc815\uc740 \ub9e4\ub144 \ub418\ud480\uc774\ub418\uace0, \uc6d0\uae08\uc744 \ub3cc\ub824\ubc1b\uc9c0 \uc54a\uc73c\uba74 \uadf8 \uc2dc\uc810\uc5d0 \uc99d\uc5ec\ub85c \ub2e4\uc2dc \ud310\ub2e8\ub429\ub2c8\ub2e4.<\/p>\n<\/details>\n<details>\n<summary>\uc774\uc790\ub97c \uc8fc\uba74 \ubd80\ubaa8\ub3c4 \uc138\uae08\uc744 \ub0c5\ub2c8\uae4c?<\/summary>\n<p>\ubd80\ubaa8\uac00 \uc218\ub839\ud55c \uc774\uc790\ub294 \ube44\uc601\uc5c5\ub300\uae08\uc758 \uc774\uc775\uc73c\ub85c \ubd84\ub958\ub418\uc5b4 \uc6d0\ucc9c\uc9d5\uc218 \ub300\uc0c1\uc774 \ub418\uace0, \uc138\uc728\uc740 25%\uc785\ub2c8\ub2e4(\uc18c\ub4dd\uc138\ubc95 \uc81c129\uc870 \uc81c1\ud56d \uc81c1\ud638 \ub098\ubaa9). \ucc28\uc785 \uad6c\uc870\ub97c \ud0dd\ud558\uba74 \uc790\ub140\uc758 \uc99d\uc5ec\uc138\ub97c \uc904\uc774\ub294 \ub300\uc2e0 \ubd80\ubaa8\uc5d0\uac8c \uc774\uc790\uc18c\ub4dd\uc5d0 \ub300\ud55c \ubd80\ub2f4\uc774 \uc0dd\uae41\ub2c8\ub2e4.<\/p>\n<\/details>\n<details>\n<summary>\uc790\uae08\ucd9c\ucc98\ub97c \uc804\ubd80 \ubc1d\ud788\uc9c0 \ubabb\ud558\uba74 \uadf8\ub9cc\ud07c \ubaa8\ub450 \uacfc\uc138\ub429\ub2c8\uae4c?<\/summary>\n<p>\ubbf8\uc785\uc99d \uae08\uc561\uc774 \uc7ac\uc0b0\uac00\uc561\uc758 20%\uc5d0 \ud574\ub2f9\ud558\ub294 \uae08\uc561\uacfc 2\uc5b5\uc6d0 \uac00\uc6b4\ub370 \uc791\uc740 \ucabd\ubcf4\ub2e4 \uc801\uc73c\uba74 \ucd94\uc815 \uaddc\uc815\uc744 \uc801\uc6a9\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4(\uc2dc\ud589\ub839 \uc81c34\uc870 \uc81c1\ud56d \ub2e8\uc11c). 5\uc5b5\uc6d0\uc9dc\ub9ac \uc7ac\uc0b0\uc774\uba74 1\uc5b5\uc6d0, 15\uc5b5\uc6d0\uc9dc\ub9ac\uba74 2\uc5b5\uc6d0\uc774 \uadf8 \uacbd\uacc4\uc785\ub2c8\ub2e4.<\/p>\n<\/details>\n<details>\n<summary>10\ub144\uc774 \uc9c0\ub098\uba74 \uc870\uc0ac\ub97c \ubc1b\uc9c0 \uc54a\uc2b5\ub2c8\uae4c?<\/summary>\n<p>\uc99d\uc5ec\uc138\ub97c \uc2e0\uace0\ud55c \uacbd\uc6b0\uc758 \uc81c\ucc99\uae30\uac04\uc774 10\ub144\uc785\ub2c8\ub2e4. \uc2e0\uace0\ud558\uc9c0 \uc54a\uc558\uac70\ub098 \uac70\uc9d3\u00b7\ub204\ub77d \uc2e0\uace0\ud55c \uacbd\uc6b0\uc5d0\ub294 15\ub144\uc774\uace0(\uad6d\uc138\uae30\ubcf8\ubc95 \uc81c26\uc870\uc7582 \uc81c4\ud56d), \ubd80\uc815\ud589\uc704\ub85c \ud3ec\ud0c8\ud55c \uc77c\uc815 \uc720\ud615\uc740 \uacfc\uc138\uad00\uccad\uc774 \uc548 \ub0a0\ubd80\ud130 1\ub144 \uc774\ub0b4\uc5d0 \ubd80\uacfc\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4(\uac19\uc740 \uc870 \uc81c5\ud56d).<\/p>\n<\/details>\n<details>\n<summary>\uc790\ub140 \uba85\uc758 \uacc4\uc88c\uc5d0 \ub123\uc5b4 \ub450\uace0 \ubd80\ubaa8\uac00 \uad00\ub9ac\ud558\uba74 \uc99d\uc5ec\uac00 \uc544\ub2d9\ub2c8\uae4c?<\/summary>\n<p>\ubd80\uc815\ud589\uc704\ub85c \uc99d\uc5ec\uc138\ub97c \ud3ec\ud0c8\ud55c \uacbd\uc6b0\ub85c\uc11c \uc218\uc99d\uc790 \uba85\uc758\uc758 \uae08\uc735\uc790\uc0b0\uc744 \uc218\uc99d\uc790\uac00 \ubcf4\uc720\u00b7\uc0ac\uc6a9\uc218\uc775\ud55c \uacbd\uc6b0\uac00 \uc81c\ucc99\uae30\uac04 \ud2b9\ub840\uac00 \uc801\uc6a9\ub418\ub294 \uc720\ud615\uc73c\ub85c \uc5f4\uac70\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4(\uad6d\uc138\uae30\ubcf8\ubc95 \uc81c26\uc870\uc7582 \uc81c5\ud56d \uc81c5\ud638). \uba85\uc758\uc640 \uad00\ub9ac \uc8fc\uccb4\uac00 \uc5b4\uae0b\ub09c \uc0c1\ud0dc\ub294 \uc2dc\uac04\uc774 \uc9c0\ub098\ub3c4 \uc815\ub9ac\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n<\/details>\n<details>\n<summary>\uc790\uae08\uc870\ub2ec\uacc4\ud68d\uc11c\ub97c \ub0c8\uc73c\uba74 \uc138\ubb34\uc11c \uc18c\uba85\uc740 \ub530\ub85c \uc5c6\uc2b5\ub2c8\uae4c?<\/summary>\n<p>\ubcc4\uac1c\uc758 \uc808\ucc28\uc785\ub2c8\ub2e4. \uc790\uae08\uc870\ub2ec\uacc4\ud68d\uc11c\ub294 \ubd80\ub3d9\uc0b0 \uac70\ub798\uc2e0\uace0\ubc95 \uc81c3\uc870 \uc81c1\ud56d\uc5d0 \ub530\ub77c \uc2e0\uace0\uad00\uccad\uc5d0 \ub0b4\ub294 \uc11c\ub958\uc774\uace0, \uc99d\uc5ec \ucd94\uc815\uc758 \uc18c\uba85\uc740 \uc0c1\uc99d\ubc95 \uc81c45\uc870 \uc81c3\ud56d\uc5d0 \ub530\ub77c \uc138\ubb34\uc11c\uc5d0 \ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \ub450 \uc11c\ub958\uc758 \ub0b4\uc6a9\uc774 \uc5b4\uae0b\ub098\uba74 \uadf8 \uc790\uccb4\uac00 \ud655\uc778 \ub300\uc0c1\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<\/details>\n<\/div>\n<p><strong>\ud568\uaed8 \ubcf4\uba74 \uc88b\uc740 \uae00<\/strong><br \/>\n\u00b7 <a href=\"\/insights\/janyeo-bumo-jeungyeo-hando\/\">\uc790\ub140\uac00 \ubd80\ubaa8\uc5d0\uac8c \uc99d\uc5ec, \uacf5\uc81c \ud55c\ub3c4 5\ucc9c\ub9cc\uc6d0\uc740 \uc5b4\ub5bb\uac8c \uacc4\uc0b0\ub418\ub294\uac00<\/a><br \/>\n\u00b7 <a href=\"\/insights\/sangsokse-singo-gihan-sunseo\/\">\uc0c1\uc18d\uc138, 6\uac1c\uc6d4 \uc548\uc5d0 \ubabb \ub05d\ub0b4\ub294 \uc77c\uacfc 9\uac1c\uc6d4\uc774 \ub354 \uc788\ub294 \uc77c<\/a><br \/>\n\u00b7 <a href=\"\/insights\/budambu-jeungyeo-jeolse\/\">\ubd80\ub2f4\ubd80\uc99d\uc5ec, \uc99d\uc5ec\uc138 \uc904\uc774\ub294 \uad6c\uc870\uc640 \uc591\ub3c4\uc138 \ubcc0\uc218<\/a><\/p>\n<div class=\"hoan-sources\">\n<p><strong>\uadfc\uac70\u00b7\ucd9c\ucc98<\/strong><\/p>\n<p>\u00b7 \uc0c1\uc18d\uc138 \ubc0f \uc99d\uc5ec\uc138\ubc95 \uc81c4\uc870(\uc99d\uc5ec\uc138 \uacfc\uc138\ub300\uc0c1)\u00b7\uc81c41\uc870\uc7584(\uae08\uc804 \ubb34\uc0c1\ub300\ucd9c \ub4f1\uc5d0 \ub530\ub978 \uc774\uc775\uc758 \uc99d\uc5ec)\u00b7\uc81c43\uc870(\uc99d\uc5ec\uc138 \uacfc\uc138\ud2b9\ub840)\u00b7\uc81c45\uc870(\uc7ac\uc0b0 \ucde8\ub4dd\uc790\uae08 \ub4f1\uc758 \uc99d\uc5ec \ucd94\uc815)\u00b7\uc81c53\uc870(\uc99d\uc5ec\uc7ac\uc0b0 \uacf5\uc81c) \u2014 law.go.kr (\ud655\uc778\uc77c 2026-09-25)<br \/>\n\u00b7 \uc0c1\uc18d\uc138 \ubc0f \uc99d\uc5ec\uc138\ubc95 \uc2dc\ud589\ub839 \uc81c31\uc870\uc7584(\uae08\uc804 \ubb34\uc0c1\ub300\ucd9c \ub4f1\uc5d0 \ub530\ub978 \uc774\uc775\uc758 \uacc4\uc0b0\ubc29\ubc95 \ub4f1)\u00b7\uc81c32\uc870\uc7584(\uc774\uc775\uc758 \uacc4\uc0b0\ubc29\ubc95)\u00b7\uc81c34\uc870(\uc7ac\uc0b0\ucde8\ub4dd\uc790\uae08 \ub4f1\uc758 \uc99d\uc5ec\ucd94\uc815) \u2014 law.go.kr (\ud655\uc778\uc77c 2026-09-25)<br \/>\n\u00b7 \uc0c1\uc18d\uc138 \ubc0f \uc99d\uc5ec\uc138\ubc95 \uc2dc\ud589\uaddc\uce59 \uc81c10\uc870\uc7585(\uc801\uc815\uc774\uc790\uc728) \/ \ubc95\uc778\uc138\ubc95 \uc2dc\ud589\uaddc\uce59 \uc81c43\uc870 \uc81c2\ud56d(\ub2f9\uc88c\ub300\ucd9c\uc774\uc790\uc728) \u2014 law.go.kr (\ud655\uc778\uc77c 2026-09-25)<br \/>\n\u00b7 \uc18c\ub4dd\uc138\ubc95 \uc81c129\uc870(\uc6d0\ucc9c\uc9d5\uc218\uc138\uc728) \u2014 law.go.kr (\ud655\uc778\uc77c 2026-09-25)<br \/>\n\u00b7 \uad6d\uc138\uae30\ubcf8\ubc95 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