{"id":36452,"date":"2025-08-05T07:15:33","date_gmt":"2025-08-04T22:15:33","guid":{"rendered":"https:\/\/www.sanctionlab.com\/?p=36452"},"modified":"2025-08-07T11:10:06","modified_gmt":"2025-08-07T02:10:06","slug":"%ec%8b%9c%ec%9e%a5-%ec%95%88%ec%b0%a9-%ec%b4%88%ec%9e%85%ea%b8%b8-%ed%96%a5%ed%9b%84-%ea%b3%bc%ec%a0%9c%eb%8a%94","status":"publish","type":"post","link":"https:\/\/www.sanctionlab.com\/?p=36452","title":{"rendered":"\uc2dc\uc7a5 \uc548\ucc29 \ucd08\uc785\uae38, \ud5a5\ud6c4 \uacfc\uc81c\ub294"},"content":{"rendered":"

|\u2464\uc81c\ub3c4 \ubcc0\ud654\ub85c \uacc4\uc57d \uc218, \uaddc\ubaa8 \uc99d\uac00\uc138\u2026\ud574\uc678 \uc7ac\ubcf4\ud5d8\uc0ac\u00b7\uc911\uc18c\ud615 \uc6d0\uc218\uc0ac \uc9c0\uc6d0\ucc45 \uad00\uac74<\/h3>\n

\uacf5\ub3d9\uc7ac\ubcf4\ud5d8\uc774 \ub3c4\uc785 \ucd08\ucc3d\uae30\uc600\uc744 \ub54c\ubcf4\ub2e4 \uc218\uc6d4\ud558\uac8c \uad6d\ub0b4 \uc2dc\uc7a5\uc5d0 \uc548\ucc29\ud558\uace0 \uc788\ub2e4. \uacc4\ub9ac\uc801 \uac00\uc815 \ubcc0\uacbd\uacfc \uac19\uc740 \uc81c\ub3c4 \ubcc0\ud654\ub85c \uc790\ubcf8\uc801\uc815\uc131 \uad00\ub9ac\uc5d0 \ub300\ud55c \uc911\uc694\uc131\uc774 \ub300\ub450\ub418\uba74\uc11c\ub2e4. \ub300\ud615 \uc0dd\uba85\ubcf4\ud5d8\uc0ac \uc911\uc2ec\uc73c\ub85c \uac70\ub798\uac00 \uc774\ub904\uc838 \uc5c5\uacc4 \ucd1d\ubd80\ucc44 \ub300\ube44 \uac70\ub798 \uaddc\ubaa8\uac00 \ud604\uc800\ud788 \ub5a8\uc5b4\uc9c0\ub294 \uc810\uc740 \uac1c\uc120\ud574\uc57c \ud560 \uacfc\uc81c\ub2e4.<\/p>\n

\uae08\uc735\ub2f9\uad6d\uc774 \uacf5\ub3d9\uc7ac\ubcf4\ud5d8\uc744 \ud65c\uc131\ud654\ud560 \ud544\uc694\uac00 \uc788\ub2e4\ub294 \ub370 \uacf5\uac10\ud55c \uc810\uc740 \uae0d\uc815\uc801\uc774\ub2e4. \ub2e4\ub9cc \uc5ec\uc804\ud788 \ub300\uaddc\ubaa8 \uacf5\ub3d9\uc7ac\ubcf4\ud5d8 \ud655\uc0b0\uc744 \ub9c9\ub294 \uc81c\uc57d\uc774 \uc788\ub2e4. \uc678\uad6d\uacc4 \uc7ac\ubcf4\ud5d8\uc0ac \uad6d\ub0b4 \uc9c0\uc810\uc5d0 \uc801\uc6a9\ud558\ub294 \uad6d\ub0b4 \uc790\uc0b0 \ubcf4\uc720\uc758\ubb34 \uaddc\uc815\uc774 \ub300\ud45c\uc801\uc774\ub2e4. \uc911\uc18c\ud615\uc0ac\uc758 \uacf5\ub3d9\uc7ac\ubcf4\ud5d8 \uacc4\uc57d\uc744 \ub298\ub9ac\uae30 \uc704\ud574 \uc77c\uc784\uc2dd \uc790\uc0b0\uc720\ubcf4\ud615\uc744 \uc2dc\uc7a5\uc5d0 \uc815\ucc29\ud558\ub294 \uac83\ub3c4 \uc911\uc694\ud55c \uacfc\uc81c\ub2e4.<\/p>\n

\u25c7\uafb8\uc900\ud788 \uac70\ub798 \ub298\uc5c8\uc9c0\ub9cc \uc790\ubcf8\ud6a8\uacfc \uccb4\uac10\ud558\uae30\uc5d4 \ubbf8\ubbf8<\/strong><\/p>\n

\ubcf4\ud5d8\uc5c5\uacc4\uc5d0 \ub530\ub974\uba74 \uc62c\ud574 \uccb4\uacb0\ud55c \uad6d\ub0b4 \uacf5\ub3d9\uc7ac\ubcf4\ud5d8 \uac70\ub798 \uaddc\ubaa8\ub294 7\uc6d4 \uc911\uc21c \uae30\uc900 2\uc8705500\uc5b5\uc6d0\uac00\ub7c9\uc774\ub2e4. \uccab \uacc4\uc57d\uc744 \ub9fa\uc740 2021\ub144 100\uc5b5\uc6d0\ubd80\ud130 2022\ub144 7400\uc5b5\uc6d0, 2023\ub144 1\uc870400\uc5b5\uc6d0, 2024\ub144 5500\uc5b5\uc6d0 \ub4f1 \uc99d\uac00\uc138\ub97c \ubcf4\uc778\ub2e4. \uac70\ub798 \uac74\uc218\ub3c4 \uafb8\uc900\ud788 \ub298\uc5c8\ub2e4.<\/p>\n

\"\"<\/div>\n

\uc9c0\ub09c\ud574 \ud558\ubc18\uae30\ubd80\ud130 \uae08\ub9ac \ud558\ub77d\uacfc \uacc4\ub9ac\uc801 \uac00\uc815\ubcc0\uacbd\uc774 \ubcf8\uaca9\ud654\ud558\uba74\uc11c \uc790\ubcf8\uc801\uc815\uc131 \ud558\ubc29 \uc555\ub825\uc5d0 \ub300\ud55c \ubd80\ub2f4\uc774 \uc0c1\ub2f9\ud788 \ucee4\uc9c4 \uc601\ud5a5\uc774\ub2e4. 2024\ub144\uc740 \uae08\uc735\ub2f9\uad6d\uc774 2020\ub144 \uacf5\ub3d9\uc7ac\ubcf4\ud5d8 \uc81c\ub3c4\ub97c \ub3c4\uc785\ud55c \ub4a4 \ud55c\uad6d\uc740\ud589\uc774 \ucc98\uc74c\uc73c\ub85c \uae30\uc900\uae08\ub9ac\ub97c \ubcf8\uaca9\uc801\uc73c\ub85c \uc778\ud558\ud558\ub358 \uc2dc\uae30\ub2e4. \ubcf4\ud5d8\ubd80\ucc44 \ud560\uc778\uc728 \ud604\uc2e4\ud654 \uc5ec\ud30c\ub3c4 2024\ub144 \ub9d0\ubd80\ud130 \ub450\ub4dc\ub7ec\uc84c\ub2e4.<\/p>\n

\ub2e4\ub9cc \uc0bc\uc131\uc0dd\uba85\ubcf4\ud5d8\uacfc \uc2e0\ud55c\ub77c\uc774\ud504\uc0dd\uba85\ubcf4\ud5d8\ucc98\ub7fc \ub300\ud615\uc0ac \uc704\uc8fc\ub85c \uacf5\ub3d9\uc7ac\ubcf4\ud5d8 \uacc4\uc57d\uc774 \uc131\uc0ac\ub410\ub2e4. \ud604\uc7ac\uae4c\uc9c0 \uad6d\ub0b4 \ucd1d\uac70\ub798 \uaddc\ubaa8 4\uc8708900\uc5b5\uc6d0 \uc911 \ub450 \uacf3\uc5d0\uc11c\ub9cc 3\uc8706800\uc5b5\uc6d0(75.3%)\uc744 \uc131\uc0ac\ud588\ub2e4. \uc0bc\uc131\uc0dd\uba85\uacfc \uc2e0\ud55c\ub77c\uc774\ud504\uc758 \uc790\ubcf8\uc801\uc815\uc131 \uac1c\uc120 \ud544\uc694\uc131\uc774 \uc2dc\uae09\ud558\ub2e4\uae30\ubcf4\ub2e4\ub294 \uc120\uc81c\uc801\uc73c\ub85c \uc790\ubcf8 \uad00\ub9ac \ubc29\uc548\uc744 \ub298\ub9b0 \uac83\uc5d0 \uac00\uae5d\ub2e4.<\/p>\n

\ub450 \uacf3 \ubaa8\ub450 \uc9c0\uae09\uc5ec\ub825(\ud0a5\uc2a4\u00b7K-ICS)\ube44\uc728\uc744 \uae08\uc735\ub2f9\uad6d \uad8c\uace0\uce58\ub97c \uc5ec\uc720 \uc788\uac8c \uc6c3\ub3c4\ub294 \uc218\uc900\uc73c\ub85c \uad00\ub9ac\ud558\uace0 \uc788\ub2e4. \ub450 \uacf3 \uc678\ub85c\ub294 ABL\uc0dd\uba85, \ub3d9\uc591\uc0dd\uba85, AIA\uc0dd\uba85\ubcf4\ud5d8\uc774 \uacf5\ub3d9\uc7ac\ubcf4\ud5d8\uc744 \uc120\uc81c\uc801\uc73c\ub85c \ucd94\uc9c4\ud588\ub2e4. \uc774\uacf3\uc740 \uaddc\ubaa8\uac00 \ud06c\uc9c0 \uc54a\uc9c0\ub9cc \uc678\uad6d\uacc4 \ubcf4\ud5d8\uc0ac\ub77c\ub294 \ud2b9\uc131\uc0c1 \uacf5\ub3d9\uc7ac\ubcf4\ud5d8\uc5d0 \ubcf4\ub2e4 \uac1c\ubc29\uc801\uc774\uc5c8\ub358 \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4.<\/p>\n

\uacf5\ub3d9\uc7ac\ubcf4\ud5d8\uc774 \uc5ec\ub825\uc774 \ub418\ub294 \ud2b9\uc815 \ubcf4\ud5d8\uc0ac \uc911\uc2ec\uc73c\ub85c \uc774\ub904\uc9c4 \uac74 \uc6d0\uc218\ubcf4\ud5d8\uc0ac\uc758 \ub2e8\uae30 \uc2e4\uc801\uc5d0 \ubd80\ub2f4\uc774 \ub420 \uc218 \uc788\uc5b4\uc11c\ub2e4. \uc2e0\ud68c\uacc4\uc81c\ub3c4(IFRS17)\uac00 \ub3c4\uc785\ub41c \ub4a4 \uac00\uc7a5 \ud070 \ubcc0\ud654\ub97c \ubd88\ub7ec\uc628 \ud56d\ubaa9\uc740 \ubcf4\ud5d8\uacc4\uc57d\ub9c8\uc9c4(CSM)\uc774\ub2e4. CSM\uc740 \ubcf4\ud5d8\ubd80\ucc44 \uc911 \ud5a5\ud6c4 \uc774\uc775\uc73c\ub85c \uc804\ud658\ub418\ub294 \ud68c\uacc4 \ud56d\ubaa9\uc774\ub2e4. \ub9e4 \ubd84\uae30 \uc77c\uc815 \ubd80\ubd84 \uc0c1\uac01\ub3fc \uc774\uc775\uc73c\ub85c \uc804\ud658\ub41c\ub2e4. \uc6d0\uc218\uc0ac\uac00 \ud2b9\uc815 \ubd80\ucc44\ub97c \uc7ac\ubcf4\ud5d8\uc0ac\uc5d0 \ucd9c\uc7ac\ud560 \ub54c \uc774 CSM \uc0c1\uac01 \ud6a8\uacfc\uac00 \uc77c\ubd80 \uc0ac\ub77c\uc9c4\ub2e4. \uc2e4\uc801 \uad00\ub9ac\uc5d0 \ube44\uad50\uc801 \uc5ec\ub825\uc774 \ub418\ub294 \ub300\ud615\uc0ac \uc911\uc2ec\uc73c\ub85c \uacc4\uc57d\uc774 \uccb4\uacb0\ub418\ub294 \uac83\ub3c4 \uc774\ub7ec\ud55c \uce21\uba74\uc5d0\uc11c\ub2e4.<\/p>\n

\uc810\ucc28 \uacf5\ub3d9\uc7ac\ubcf4\ud5d8 \uaddc\ubaa8\uac00 \ub298\uace0 \uc788\uc9c0\ub9cc \uc5c5\uacc4 \uc804\ubc18\uc801\uc778 \uc790\ubcf8\uc801\uc815\uc131 \uac1c\uc120 \ud6a8\uacfc\ub97c \uc758\ubbf8 \uc788\uac8c \ubcf4\uae30\uc5d0\ub294 \ubd80\uc871\ud558\ub2e4\ub294 \ud3c9\uac00\ub2e4. \uacf5\ub3d9\uc7ac\ubcf4\ud5d8 \ucd1d\uaddc\ubaa8 4\uc8708900\uc5b5\uc6d0\uc740 \ubcf4\ud5d8\uc0ac \ucd1d\ubd80\ucc44 1168\uc8701000\uc5b5\uc6d0\uc758 0.4%\uc5d0 \ubd88\uacfc\ud558\ub2e4. \uacf5\ub3d9\uc7ac\ubcf4\ud5d8\uc5d0 \ub4e0 \uc6d0\uc218\uc0ac\ub3c4 \uad6d\ub0b4 50\uc5ec\uac1c \ubcf4\ud5d8\uc0ac \uc911 7\uacf3\ubfd0\uc774\ub2e4.<\/p>\n

\ud55c \ubcf4\ud5d8\uc5c5\uacc4 \uad00\uacc4\uc790\ub294 “\uacf5\ub3d9\uc7ac\ubcf4\ud5d8\uc774 \uc77c\uc885\uc758 \ube44\ub840\uc7ac\ubcf4\ud5d8\uc774\ubbc0\ub85c \ubd80\ucc44 \ub300\ube44 0.5% \uc218\uc900\uc73c\ub85c\ub9cc \uac70\ub798\ub418\uba74 \uc790\ubcf8 \uad00\ub9ac \ud6a8\uacfc\uac00 \ubbf8\ubbf8\ud560 \uc218\ubc16\uc5d0 \uc5c6\ub2e4”\uba70 “\ucd5c\uc18c\ud55c \uc774 \ube44\uc911\uc774 5%\ub294 \ub3fc\uc57c \uc790\ubcf8\uc801\uc815\uc131 \uac1c\uc120 \ud6a8\uacfc\ub97c \uc2e4\uc9c8\uc801\uc73c\ub85c \uccb4\uac10\ud560 \uac83”\uc774\ub77c\uace0 \ub9d0\ud588\ub2e4.<\/p>\n

\u25c7\uad6d\ub0b4\uc790\uc0b0 \ubcf4\uc720\uc758\ubb34 \uacbd\uac10, \uc77c\uc784\uc2dd \uc720\ubcf4\ud615 \uc815\ucc29 \ud544\uc694<\/strong><\/p>\n

\uae08\uc735\ub2f9\uad6d\ub3c4 \uacf5\ub3d9\uc7ac\ubcf4\ud5d8\ub97c \ud65c\uc131\ud654\ud55c\ub2e4\ub294 \ub370 \uacf5\uac10\ud588\ub2e4\ub294 \uc810\uc740 \uae0d\uc815\uc801\uc774\ub2e4. \uae08\uc735\uc704\uc6d0\ud68c\ub294 \uc62c\ud574 3\uc6d4 \uc0c1\uc2dc\uc801\uc778 \ubd80\ucc44 \uad00\ub9ac\uc758 \uc911\uc694\uc131\uc774 \uc810\ucc28 \ucee4\uc9c0\ub294 \uac78 \uace0\ub824\ud574 \uc77c\uc784\uc2dd \uc790\uc0b0\uc720\ubcf4\ud615\uc744 \ud5c8\uc6a9\ud588\ub2e4. \ub610 \uc678\uad6d \uc7ac\ubcf4\ud5d8\uc0ac\uc758 \uad6d\ub0b4 \uc9c0\uc810\uc5d0\uc11c\ub3c4 \uacf5\ub3d9\uc7ac\ubcf4\ud5d8\uc744 \uc124\uba85\ud560 \uc218 \uc788\uac8c \uaddc\uc81c\ub97c \ud480\uc5c8\ub2e4.<\/p>\n

\ub2e4\ub9cc \uc5ec\uc804\ud788 \uacf5\ub3d9\uc7ac\ubcf4\ud5d8\uc774 \ud65c\uc131\ud654\ub418\ub294 \ub370 \uc81c\uc57d\uc774 \ub530\ub978\ub2e4. \ud574\uc678\uc7ac\ubcf4\ud5d8\uc0ac\uc758 \uad6d\ub0b4 \uc790\uc0b0 \ubcf4\uc720\uc758\ubb34 \ud574\uc81c\uac00 \ub300\ud45c\uc801\uc774\ub2e4. \ubcf4\ud5d8\uc5c5\ubc95\uc0c1 \uc678\uad6d \ubcf4\ud5d8\uc0ac\uc5d0\uc11c \uc6b4\uc6a9\ud558\ub294 \uad6d\ub0b4 \uc9c0\uc810\uc740 \uad6d\ub0b4\uc5d0\uc11c \uccb4\uacb0\ud55c \ubcf4\ud5d8\uacc4\uc57d\uc5d0 \ub300\ud574 \uc801\ub9bd\ud55c \ucc45\uc784\uc900\ube44\uae08\uacfc \ube44\uc0c1\uc704\ud5d8\uc900\ube44\uae08\uc5d0 \uc0c1\ub2f9\ud558\ub294 \uc790\uc0b0\uc744 \uad6d\ub0b4\uc5d0 \ubcf4\uc720\ud574\uc57c \ud55c\ub2e4.<\/p>\n

\uc790\uc0b0\uc774\uc804\ud615\uc740 \uc790\uc0b0 \uc6b4\uc6a9 \uc2e4\uc801\uc774 \uc911\uc694\ud574 \ud574\uc678 \uc2dc\uc7a5\uc744 \ud65c\uc6a9\ud55c \uc6b4\uc6a9\uc774 \ud544\uc694\ud55c \ubc29\uc2dd\uc774\ub2e4. \ud558\uc9c0\ub9cc \uad6d\ub0b4 \uc790\uc0b0 \ubcf4\uc720\uc758\ubb34\uc5d0 \ub530\ub77c \uc0ac\uc2e4\uc0c1 \ud574\uc678\ud22c\uc790\ub97c \ud558\uc9c0 \ubabb\ud558\uace0 \uc788\ub2e4. \uc544\uc6b8\ub7ec \uc790\uc0b0\uc774\uc804\ud615\uc73c\ub85c \uc6d0\uc218\uc0ac \ubd80\ucc44\ub97c \uc778\uc218\ud560 \uc2dc \ud0a5\uc2a4\ube44\uc728 \uad00\ub9ac\ub3c4 \ud544\uc694\ud574 \ub300\uaddc\ubaa8 \uacf5\ub3d9\uc7ac\ubcf4\ud5d8\ub3c4 \ud604\uc2e4\uc801\uc73c\ub85c \uc5b4\ub824\uc6b4 \uc0c1\ud669\uc774\ub2e4. \uac00\uc6a9\uc790\ubcf8\uc744 \ud574\uc678 \ubcf8\uc0ac\ub85c\ubd80\ud130 \uc870\ub2ec\ud558\uba74 \ube44\uc6a9\uc774 \ubc1c\uc0dd\ud574 \uc7ac\ubcf4\ud5d8\ube44\uc6a9 \uc0c1\uc2b9\uc73c\ub85c \uc774\uc5b4\uc838 \uacf5\ub3d9\uc7ac\ubcf4\ud5d8 \uacbd\uc7c1\ub825\uc744 \uc545\ud654\ud55c\ub2e4.<\/p>\n

RGA\uac00 \uccb4\uacb0\ud55c \uccab \uacf5\ub3d9\uc7ac\ubcf4\ud5d8\ub3c4 \uad6d\ub0b4 \uc790\uc0b0 \ubcf4\uc720\uc758\ubb34 \uc601\ud5a5\uc744 \ubc1b\uc544 100\uc5b5\uc6d0\uc774\ub77c\ub294 \uc18c\uaddc\ubaa8 \uac70\ub798\uc5d0 \uadf8\ucce4\ub2e4. RGA\ub294 \uc774\ud6c4 \ubcf8\uc0ac\uc5d0\uc11c \uc9c1\uc811 \uacc4\uc57d\uc744 \uccb4\uacb0\ud558\ub294 \uc5ed\uc678 \ubc29\uc2dd\uc744 \ud0dd\ud588\ub2e4. \ub2e4\ub9cc \uc774 \ubc29\uc2dd\ub3c4 \uc5ed\uc678 \uad6c\uc870 \ud2b9\uc131\uc0c1 \ub2f4\ubcf4 \ube44\uc6a9\uc774 \ub354 \ub4e4\uac70\ub098 \ud574\uc678 \uc774\uc804 \ube44\uc6a9\uc774 \ubc1c\uc0dd\ud574 \uac70\ub798\uc5d0 \uc81c\uc57d\uc774 \ub530\ub978\ub2e4. \uc2a4\uc704\uc2a4\ub9ac\ub294 \uc57d\uc815\uc2dd \uc790\uc0b0\uc720\ubcf4\ud615\uc744 \uc774\uc6a9\ud574 \uad6d\ub0b4 \uc790\uc0b0 \ubcf4\uc720\uc758\ubb34 \ubd80\ub2f4\uc744 \ub35c\uc5c8\ub2e4. \uc774 \ubc29\uc2dd\uc740 \ubd80\ucc44\ub9cc \uc778\uc218\ud558\uace0 \uc790\uc0b0\uc740 \uc6d0\uc218\uc0ac\uc5d0 \uc720\ubcf4\ud558\ub294 \uacf5\ub3d9\uc7ac\ubcf4\ud5d8\uc774\ub2e4.<\/p>\n

\uc5c5\uacc4\ub294 \uc678\uad6d\uacc4 \uc7ac\ubcf4\ud5d8\uc0ac \uad6d\ub0b4 \uc9c0\uc810\uc774 \ubcf8\uc0ac\ub85c \ucd9c\uc7ac\ud55c \uc7ac\uc7ac\ubcf4\ud5d8\uc5d0 \ub300\ud574\uc120 \uad6d\ub0b4 \uc790\uc0b0 \ubcf4\uc720\uc758\ubb34\ub97c \uc77c\ubd80\ubd84 \uacbd\uac10\ud574 \uc8fc\ub294 \uac8c \ud569\ub9ac\uc801\uc774\ub77c\uace0 \ud3c9\uac00\ud55c\ub2e4. \uc678\uad6d\uacc4 \uc7ac\ubcf4\ud5d8\uc0ac \ubcf8\uc0ac\uc5d0 \uc704\ud5d8\uad00\ub9ac \ubd80\ub2f4\uc744 \ub098\ub204\uba74 \uad6d\ub0b4 \uc9c0\uc810\uc774 \uc778\uc218\ud55c \ubd80\ucc44\uc5d0 \ub300\ud55c \ud1b5\uc81c\ub825\uc744 \uc720\uc9c0\ud55c \ucc44 \uc9c0\uc810\uc758 \uc790\uc0b0\uc6b4\uc6a9 \uacbd\uc7c1\ub825\ub3c4 \ub192\uc77c \uc218 \uc788\uae30 \ub54c\ubb38\uc774\ub2e4.<\/p>\n

\uc624\ub294 10\uc6d4\ubd80\ud130 \ud5c8\uc6a9\ub418\ub294 \uc77c\uc784\uc2dd \uc790\uc0b0\uc720\ubcf4\ud615\uc744 \uc2dc\uc7a5\uc5d0 \uc815\ucc29\ud558\ub294 \uac83\ub3c4 \uc911\uc694\ud55c \uacfc\uc81c\ub2e4. \uadf8\uac04 \uacf5\ub3d9\uc7ac\ubcf4\ud5d8 \ucd94\uc774\ub97c \ubcf4\uba74 \uc0c8\ub85c\uc6b4 \ubc29\uc2dd\uc758 \uacf5\ub3d9\uc7ac\ubcf4\ud5d8\uc744 \uc720\uc758\ubbf8\ud55c \uaddc\ubaa8\uc758 \uacc4\uc57d\uc744 \ub9fa\ub294 \ub370 \uc2dc\uac04\uc774 \ub2e4\uc18c \uc18c\uc694\ub410\ub2e4. \ucd5c\ucd08 \uac70\ub798\uc77c \ub54c\ub294 \uc6d0\uc218\uc0ac\uc640 \uc7ac\ubcf4\ud5d8\uc0ac \ubaa8\ub450 \uc18c\uaddc\ubaa8 \ud14c\uc2a4\ud2b8\ub51c\uc744 \ud558\ub294 \ub4f1 \uc18c\uadf9\uc801\uc778 \uacbd\ud5a5\uc744 \ubcf4\uc600\ub2e4.<\/p>\n

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