{"id":35958,"date":"2025-07-30T07:44:14","date_gmt":"2025-07-29T22:44:14","guid":{"rendered":"https:\/\/www.sanctionlab.com\/?p=35958"},"modified":"2025-08-01T10:27:33","modified_gmt":"2025-08-01T01:27:33","slug":"%ec%98%9b%eb%a7%90-%eb%90%9c-%ec%83%9d%eb%b3%b4%ec%82%ac-%ec%a4%91%ec%8b%ac-%ec%98%88%ec%97%b4-%ec%a4%91%ec%9d%b8-%ec%86%90%eb%b3%b4%ec%82%ac","status":"publish","type":"post","link":"https:\/\/www.sanctionlab.com\/?p=35958","title":{"rendered":"\uc61b\ub9d0 \ub41c \uc0dd\ubcf4\uc0ac \uc911\uc2ec, \uc608\uc5f4 \uc911\uc778 \uc190\ubcf4\uc0ac"},"content":{"rendered":"

|\u2462\ud55c\ud654\uc190\ubcf4 \uc774\uc5b4 \uba54\ub9ac\uce20\ub3c4\u2026\ucd08\uae30\ub77c \uaddc\ubaa8, \ubc29\uc2dd \ubcf4\uc218\uc801\uc774\uc9c0\ub9cc \ud655\uc0b0 \uac00\ub2a5\uc131 \uae30\ub300<\/h3>\n

\uc190\ud574\ubcf4\ud5d8\uc0ac\uac00 \uacf5\ub3d9\uc7ac\ubcf4\ud5d8 \uacc4\uc57d\uc744 \uc18d\uc18d \uccb4\uacb0\ud558\uace0 \uc788\ub2e4. \uc0dd\uba85\ubcf4\ud5d8\uc0ac \uc911\uc2ec\uc73c\ub85c \ud615\uc131\ub41c \uacf5\ub3d9\uc7ac\ubcf4\ud5d8 \uc2dc\uc7a5\uc5d0 \uac00\uc138\ud558\ub294 \ubaa8\uc2b5\uc774\ub2e4. \ud55c\ud654\uc190\ud574\ubcf4\ud5d8\uc774 \uc62c\ud574 3\uc6d4 500\uc5b5\uc6d0 \uaddc\ubaa8\ub85c \uccab \uacf5\ub3d9\uc7ac\ubcf4\ud5d8\uc744 \uccb4\uacb0\ud55c \ub370 \uc774\uc5b4 \uba54\ub9ac\uce20\ud654\uc7ac\uac00 \uc774\ub2ec 6000\uc5b5\uc6d0 \uaddc\ubaa8\uc758 \uacc4\uc57d\uc744 \uc131\uc0ac\ud588\ub2e4.<\/p>\n

\ud55c\ud654\uc190\ud574\ubcf4\ud5d8\uacfc \uba54\ub9ac\uce20\ud654\uc7ac\uc758 \uacf5\ub3d9\uc7ac\ubcf4\ud5d8 \uac70\ub798 \uaddc\ubaa8\ub098 \ubc29\uc2dd\uc744 \ubcf4\uba74 \ub450 \uacf3 \ubaa8\ub450 \uc544\uc9c1 \ubcf4\uc218\uc801\uc73c\ub85c \uc811\uadfc\ud558\uace0 \uc788\ub2e4. \ub2e4\ub9cc \uc190\ubcf4\uc0ac\uc758 \uacf5\ub3d9\uc7ac\ubcf4\ud5d8 \uac00\ub2a5\uc131\uc744 \uc785\uc99d\ud55c \ub370\ub2e4 \uc2dc\uc7a5 \uc218\uc694\ub97c \ud0a4\uc6b0\ub294 \uc678\ubd80 \uc694\uc778\uc744 \uace0\ub824\ud558\uba74 \uacc4\uc57d\uc744 \ub9fa\ub294 \uc190\ud574\ubcf4\ud5d8\uc0ac\uac00 \uc810\ucc28 \ub9ce\uc544\uc9c8 \uac83\uc73c\ub85c \uc804\ub9dd\ub41c\ub2e4. NH\ub18d\ud611\uc190\ud574\ubcf4\ud5d8\ucc98\ub7fc \uacf5\ub3d9\uc7ac\ubcf4\ud5d8\uc744 \uac80\ud1a0\ud558\ub294 \uacf3\ub3c4 \uacc4\uc18d \ub4f1\uc7a5\ud558\uace0 \uc788\ub2e4.<\/p>\n

\u25c7\uba54\ub9ac\uce20, \uc57d\uc815\uc2dd \uc790\uc0b0\uc720\ubcf4\ud615\uc73c\ub85c \uc190\ubcf4\uc0ac \uccab \ube45\ub51c<\/strong><\/p>\n

\ubcf4\ud5d8\uc5c5\uacc4\uc5d0 \ub530\ub974\uba74 \uba54\ub9ac\uce20\ud654\uc7ac\ub294 \uc774\ub2ec \uc911 \uc678\uad6d\uacc4 \uc7ac\ubcf4\ud5d8\uc0ac\uc778 \uc2a4\uc704\uc2a4\ub9ac(Swiss RE)\uc640 6000\uc5b5\uc6d0 \uaddc\ubaa8\uc758 \uacf5\ub3d9\uc7ac\ubcf4\ud5d8 \uacc4\uc57d\uc744 \ub9fa\uc5c8\ub2e4. \ubc29\uc2dd\uc740 \uc57d\uc815\uc2dd \uc790\uc0b0\uc720\ubcf4\ud615\uc744 \ud0dd\ud588\ub2e4. \uc2a4\uc704\uc2a4\ub9ac\ub294 \uadf8\uac04 \uc57d\uc815\uc2dd \uc790\uc0b0\uc720\ubcf4\ud615\uc73c\ub85c\ub9cc \uacf5\ub3d9\uc7ac\ubcf4\ud5d8 \uacc4\uc57d\uc744 \ub9fa\uace0 \uc788\ub2e4.<\/p>\n

\"\"<\/div>\n

\uc57d\uc815\uc2dd \uc790\uc0b0\uc720\ubcf4\ud615\uc740 \ubd80\ucc44\ub9cc \uc7ac\ubcf4\ud5d8\uc0ac\uc5d0 \uc774\uc804\ud558\uace0 \uc790\uc0b0\uc740 \uc6d0\uc218\uc0ac\uc5d0 \uc720\ubcf4\ud558\ub294 \ubc29\uc2dd\uc744 \ub9d0\ud55c\ub2e4. \uc6d0\uc218\uc0ac\ub294 \uc790\uc0b0\uc6b4\uc6a9\uc744 \uc9c1\uc811 \ud558\ub294 \ub300\uc2e0 \uc7ac\ubcf4\ud5d8\uc0ac\uc5d0 \uc57d\uc815\uc774\uc790\ub97c \uc9c0\uae09\ud574\uc57c \ud55c\ub2e4. \uc77c\ubc18\uc801\uc778 \uc790\uc0b0\uc774\uc804\ud615\uc5d0 \ube44\ud574 \uc2e0\uc6a9\uc704\ud5d8\uacfc \uc720\ub3d9\uc131 \ubd80\ub2f4\uc774 \uc801\ub2e4\ub294 \uc7a5\uc810\uc774 \uc788\ub2e4. \uc6d0\uc218\uc0ac\uac00 \uc790\uc0b0\uc744 \uc9c1\uc811 \ubcf4\uc720\ud574 \uc7ac\ubcf4\ud5d8\uc0ac\uc758 \ubd80\uc2e4 \ub9ac\uc2a4\ud06c\uc5d0\uc11c \ubc97\uc5b4\ub098 \uc788\uae30 \ub54c\ubb38\uc774\ub2e4.<\/p>\n

\uba54\ub9ac\uce20\ud654\uc7ac\ub294 2024\ub144 2\uc6d4\ubd80\ud130 \uc801\uadf9\uc801\uc73c\ub85c \uacf5\ub3d9\uc7ac\ubcf4\ud5d8\uc5d0 \uad00\uc2ec\uc744 \ubcf4\uc600\ub2e4. \ub2f9\uc2dc \uc7ac\ubcf4\ud5d8 \uace0\ub3c4\ud654 \ud504\ub85c\uc81d\ud2b8\ub77c\ub294 \uc785\ucc30 \uacf5\uace0\ub97c \ub0b4\uace0 \uacf5\ub3d9\uc7ac\ubcf4\ud5d8 \ub3c4\uc785\uc744 \uac80\ud1a0\ud558\uaca0\ub2e4\uace0 \uba85\uc2dc\ud588\ub2e4. \uadf8\ub54c\uae4c\uc9c0\ub9cc \ud558\ub354\ub77c\ub3c4 \uacf5\ub3d9\uc7ac\ubcf4\ud5d8\uc740 \uc0dd\uba85\ubcf4\ud5d8\uc0ac\uc5d0 \uc218\uc694\uac00 \uc3e0\ub824 \uc788\uc5c8\ub2e4. \uc0dd\ubcf4\uc0ac\uac00 \uc9d1\uc911 \ud310\ub9e4\ud558\ub294 \uc7a5\uae30 \uc800\ucd95\uc131\ubcf4\ud5d8 \uad6c\uc870\uc0c1 \uae08\ub9ac\uc704\ud5d8\uc744 \ubd84\ub2f4\ud558\ub294 \uacf5\ub3d9\uc7ac\ubcf4\ud5d8\uc758 \uc7a5\uc810\uc5d0 \ub354 \ubd80\ud569\ud558\uae30 \ub54c\ubb38\uc774\ub2e4.<\/p>\n

\uba54\ub9ac\uce20\ud654\uc7ac\ub294 \uacf5\ub3d9\uc7ac\ubcf4\ud5d8\uc758 \ubc29\uc2dd\ub3c4 \uc81c\ud55c\uc744 \ub450\uc9c0 \uc54a\uc558\ub2e4. \uc774\uc804\ud615\uacfc \uc720\ubcf4\ud615 \ubaa8\ub4e0 \ubc29\uc2dd\uc744 \uac00\ub2a5\ud55c \uc218\ub2e8\uc73c\ub85c \uc62c\ub9ac\uace0 \uc785\ucc30 \uc81c\uc548\uc11c\ub97c \ubc1b\uc73c\ub824 \ud588\ub2e4. \ub2f9\uc2dc\uc5d4 \uc2e4\uc81c \uacc4\uc57d\uc73c\ub85c \uc774\uc5b4\uc9c0\uc9c0 \uc54a\uc558\ub2e4. \ud558\uc9c0\ub9cc \uc190\ud574\ubcf4\ud5d8\uc0ac \uc911 \uc55e\uc11c \uacf5\ub3d9\uc7ac\ubcf4\ud5d8\uc744 \ucd94\uc9c4\ud588\ub358 \uc810\uacfc \uad6d\ub0b4\uc5d0 \ud1b5\uc6a9\ub418\uc9c0 \uc54a\uc740 \ubc29\uc2dd\ub3c4 \uac80\ud1a0 \uc635\uc158\uc5d0 \ub123\uc5c8\ub358 \uac83\uc744 \uace0\ub824\ud558\uba74 \uc9c4\ucde8\uc801\uc774\uc5c8\ub2e4\uace0 \ubcfc \uc218 \uc788\ub2e4.<\/p>\n

\ub2e4\ub9cc \uba54\ub9ac\uce20\ud654\uc7ac\ub294 \uc790\ubcf8\uc801\uc815\uc131 \uad00\ub9ac\uac00 \uc2dc\uae09\ud588\ub2e4\uae30\ubcf4\ub2e4\ub294 \uc120\uc81c\uc801\uc73c\ub85c \uad00\ub9ac \ubc29\uc2dd\uc744 \ub298\ub9ac\ub824\ub294 \ubaa9\uc801\uc774 \ub354 \ucef8\ub358 \ub9cc\ud07c \ubcf4\uc218\uc801\uc73c\ub85c \uccab \uacc4\uc57d\uc744 \ub9fa\uc5c8\ub2e4. \uc0c1\ub300\uc801\uc73c\ub85c \uc704\ud5d8 \ubd84\ub2f4\uc774 \uc801\uc740 \uc790\uc0b0\uc720\ubcf4\ud615\uc744 \ud0dd\ud55c \uc810\ub3c4 \uc774\ub97c \ub4b7\ubc1b\uce68\ud55c\ub2e4.<\/p>\n

\uba54\ub9ac\uce20\ud654\uc7ac\uac00 \uacc4\uc57d\uc744 \uccb4\uacb0\ud55c \uc2dc\uae30\ub3c4 \uc2a4\uc704\uc2a4\ub9ac\uac00 2023\ub144 \uc0bc\uc131\uc0dd\uba85\uc5d0 \uc774\uc5b4 \uc62c\ud574 4\uc6d4 \uc2e0\ud55c\ub77c\uc774\ud504\uc640 1\uc870\uc6d0\uac00\ub7c9\uc758 \ub300\uaddc\ubaa8 \uacc4\uc57d\uc744 \ub9fa\uace0 \ub098\uc11c\ub2e4. \ub300\ud615\uc0ac\uc5d0\uc11c \uc2a4\uc704\uc2a4\ub9ac\uc640 \uc787\ub2ec\uc544 \uc790\uc0b0\uc720\ubcf4\ud615\uc744 \uccb4\uacb0\ud55c \uac83\uc744 \ud655\uc778\ud558\uace0 \ub09c \ub4a4\uc5d0\uc11c\uc57c \uacc4\uc57d\uc744 \uccb4\uacb0\ud55c \uac83\uc774\ub2e4.<\/p>\n

\u25c7\ud55c\ud654\uc190\ubcf4, \uc77c\uc885\uc758 \ud14c\uc2a4\ud2b8\ub51c\ub85c \uc190\ubcf4\uc0ac \ud544\uc694\uc131 \uc785\uc99d<\/strong><\/p>\n

\uac89\uc73c\ub85c \ub4dc\ub7ec\ub09c \uacf5\ub3d9\uc7ac\ubcf4\ud5d8 \uacc4\ud68d\uc740 \uba54\ub9ac\uce20\ud654\uc7ac\uac00 \ub354 \ube68\ub790\uc9c0\ub9cc \uc190\ud574\ubcf4\ud5d8\uc5c5\uacc4 \uccab \uacc4\uc57d\uc740 \ud55c\ud654\uc190\ud574\ubcf4\ud5d8\uc774 \ub530\ub0c8\ub2e4. \ud55c\ud654\uc190\ubcf4\ub294 \uc62c\ud574 3\uc6d4 \ucf54\ub9ac\uc548\ub9ac\uc640 500\uc5b5\uc6d0 \uaddc\ubaa8\uc758 \uacf5\ub3d9\uc7ac\ubcf4\ud5d8 \uacc4\uc57d\uc744 \ub9fa\uc5c8\ub2e4. \uc790\uc0b0\uc774\uc804 \ubc29\uc2dd\uc744 \ud0dd\ud588\ub2e4.<\/p>\n

\uacf5\ub3d9\uc7ac\ubcf4\ud5d8 \uac70\ub798 \uaddc\ubaa8\uac00 1000\uc5b5\uc6d0 \ubbf8\ub9cc\uc778 \uacc4\uc57d\uc740 \uc774\ubc88\uc774 \ub450\ubc88\uc9f8\ub2e4. RGA\uc640 ABL\uc0dd\uba85\ubcf4\ud5d8\uc774 \uc9c0\ub09c 2021\ub144 100\uc5b5\uc6d0 \uaddc\ubaa8\ub85c \uccb4\uacb0\ud55c \uac8c \ucc98\uc74c\uc774\uc5c8\ub2e4. \uc774 \uac74\uc740 \uad6d\ub0b4 \uccab \uacf5\ub3d9\uc7ac\ubcf4\ud5d8\uc73c\ub85c \ud14c\uc2a4\ud2b8\ub51c\uc5d0 \uac00\uae4c\uc6b4 \uacc4\uc57d\uc73c\ub85c \ud3c9\uac00\ub41c\ub2e4.<\/p>\n

\ud55c\ud654\uc190\ubcf4\ub294 \uc560\ucd08 \uc77c\ubc18\uc801\uc778 \uc790\uc0b0\uc774\uc804\ud615\ucc98\ub7fc 2000\uc5b5~3000\uc5b5\uc6d0 \uaddc\ubaa8\ub85c \uacc4\uc57d\uc744 \ucd94\uc9c4\ud588\uc9c0\ub9cc \uc190\ubcf4\uc0ac \uccab \uacc4\uc57d\uc774\ub2e4 \ubcf4\ub2c8 \uc2e4\ubb34\uc801\uc73c\ub85c \uba87 \uac00\uc9c0 \uc81c\uc57d\uc774 \ub530\ub790\ub358 \uac83\uc73c\ub85c \uc804\ud574\uc9c4\ub2e4. \ucf54\ub9ac\uc548\ub9ac\uc640 \uacc4\uc57d \uaddc\ubaa8\ub97c \ubaa9\ud45c\uce58\ubcf4\ub2e4 5\ubd84\uc758 1\uac00\ub7c9 \uc904\uc5ec \uc9c4\ud589\ud558\uae30\ub85c \uc120\ud68c\ud55c \uac83\uc774\ub2e4. \uc190\ud574\ubcf4\ud5d8 \ud2b9\uc131\uc0c1 \uc0c1\ub300\uc801\uc73c\ub85c \ub9cc\uae30, \uc720\ub3d9\uc131\uc774 \ub2e4\uc591\ud558\uac8c \ubd84\ud3ec\ud574 \uc790\uc0b0\uc744 \ub300\uaddc\ubaa8\ub85c \uc77c\uad04 \uc774\uc804\ud558\uae30 \uae4c\ub2e4\ub85c\uc6e0\ub358 \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4.<\/p>\n

\uc774\ub7f0 \uce21\uba74\uc5d0\uc11c \uc790\uc0b0\uc744 \uc774\uc804\ud558\uc9c0 \uc54a\uace0 \uc720\ubcf4\ud558\uae30\ub85c \ud55c \uba54\ub9ac\uce20\ud654\uc7ac\uac00 \ub354 \uc218\uc6d4\ud558\uac8c \uac70\ub798\ub97c \uccb4\uacb0\ud588\ub2e4\ub294 \ud3c9\uac00\uac00 \ub098\uc628\ub2e4. \ud55c\ud654\uc190\ubcf4\uc758 \uacc4\uc57d\uc774 \uc190\ud574\ubcf4\ud5d8\uc5c5\uacc4\uc5d0 \uc77c\uc885\uc758 \ud14c\uc2a4\ud2b8\ub51c\uc774 \ub41c \ub9cc\ud07c \uc790\uc0b0\uc774\uc804\ud615\ub3c4 \uac70\ub798 \uaddc\ubaa8\uac00 \uc810\ucc28 \ud655\ub300\ub420 \uac83\uc73c\ub85c \uae30\ub300\ub41c\ub2e4.<\/p>\n

\ub2e4\uc74c \uacf5\ub3d9\uc7ac\ubcf4\ud5d8\uc744 \uccb4\uacb0\ud560 \uc190\ubcf4\uc0ac\ub294 NH\ub18d\ud611\uc190\ud574\ubcf4\ud5d8\uc774 \ub420 \uac83\uc73c\ub85c \uc810\uccd0\uc9c4\ub2e4. NH\ub18d\ud611\uc190\ubcf4\ub294 \uc9c0\ub09c\ud574 \ud55c\ud654\uc190\ubcf4, \uba54\ub9ac\uce20\ud654\uc7ac\uc640 \ud568\uaed8 \uacf5\ub3d9\uc7ac\ubcf4\ud5d8 \uac00\ub2a5\uc131\uc744 \ud0c0\uc9c4\ud588\ub2e4. \ud604\uc7ac\ub3c4 \ucd9c\uc7ac \ub2f4\ubcf4\uc640 \uac00\uaca9 \ub4f1 \uacc4\uc57d \uc694\uac74\uc744 \uc2e0\uc911\ud558\uac8c \uac80\ud1a0\ud558\uace0 \uc788\ub2e4.<\/p>\n

\ud55c \ubcf4\ud5d8\uc0ac \uad00\uacc4\uc790\ub294 “\uba87\uba87 \uc190\ud574\ubcf4\ud5d8\uc0ac\ub3c4 \ubcf4\ud5d8\ubd80\ucc44 \ud560\uc778\uc728 \ud604\uc2e4\ud654\uc640 \uae08\ub9ac \uc778\ud558\uc5d0 \ub300\uc751\ud558\uae30 \uc704\ud574 \uc120\uc81c\uc801\uc73c\ub85c \uacf5\ub3d9\uc7ac\ubcf4\ud5d8\uc744 \uc900\ube44\ud558\ub294 \uac83”\uc774\ub77c\uace0 \ub9d0\ud588\ub2e4.<\/p>\n

\ud55c\ud654\uc190\ubcf4\uc640 \uba54\ub9ac\uce20\ud654\uc7ac\uc758 \uc62c\ud574 1\ubd84\uae30 \uae30\ubcf8\uc790\ubcf8 \uc9c0\uae09\uc5ec\ub825(\ud0a5\uc2a4\u00b7K-ICS) \ube44\uc728\uc740 \uac01\uac01 96.2%, 83.2%\ub2e4. \uae00\ub85c\ubc8c \uaddc\uc81c \uc2a4\ud0e0\ub2e4\ub4dc\uc778 50~80%\ub97c \uc6c3\ub3c4\ub294 \uacac\uc870\ud55c \uc218\uc900\uc774\ub2e4. \uc5f4\uc704\ud55c \uc790\ubcf8\uc801\uc815\uc131\uc73c\ub85c \uad00\ub9ac\uac00 \uc2dc\uae09\ud574 \uacf5\ub3d9\uc7ac\ubcf4\ud5d8\uc744 \ud65c\uc6a9\ud588\ub2e4\uae30\ubcf4\ub2e4\ub294 \uc790\ubcf8 \ud655\ucda9 \ubc29\uc548\uc744 \ucd94\uac00\ud588\ub2e4\ub294 \ub370 \uc758\uc758\uac00 \uc788\ub2e4.<\/p>\n

\/ \uc815\ud0dc\ud604 \ub354\ubca8 \uae30\uc790<\/p>\n","protected":false},"excerpt":{"rendered":"

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