{"id":37484,"date":"2025-08-12T10:30:16","date_gmt":"2025-08-12T01:30:16","guid":{"rendered":"https:\/\/www.sanctionlab.com\/?p=37484"},"modified":"2025-08-18T10:26:39","modified_gmt":"2025-08-18T01:26:39","slug":"%ec%b4%88%eb%8c%80%ed%98%95-ib-%ed%8c%90%eb%8f%84-%eb%b0%94%ea%bf%a8%eb%8b%a4%ec%a6%9d%ea%b6%8c%ec%82%ac-%ea%b2%a9%ec%b0%a8-%ec%a7%80%ec%86%8d-%ed%99%95%eb%8c%80","status":"publish","type":"post","link":"https:\/\/www.sanctionlab.com\/?p=37484","title":{"rendered":"\ucd08\ub300\ud615 IB \ud310\ub3c4 \ubc14\uafe8\ub2e4\u2026\uc99d\uad8c\uc0ac \uaca9\ucc28 \uc9c0\uc18d \ud655\ub300"},"content":{"rendered":"<h3>|\u246042\uc870 \uc2dc\uc7a5\uc11c \ud55c\uad6d\uc99d\uad8c \ubaab 40%\u2026\uc2e0\uaddc \uc0ac\uc5c5\uc790 \uc9c4\ucd9c \uac00\uc2dc\ud654<\/h3>\n<p>\uad6d\ub0b4 \ucd08\ub300\ud615 \ud22c\uc790\uc740\ud589(IB) \uacbd\uc7c1\uc774 \uce58\uc5f4\ud574\uc9c0\uace0 \uc788\ub2e4. \uc62c\ud574 \uc0c1\ubc18\uae30 \uae08\uc735\ub2f9\uad6d\uc740 \uc885\ud569\uae08\uc735\ud22c\uc790\uc0ac\uc5c5\uc790(\uc885\ud22c\uc0ac) \uc6b4\uc6a9\uaddc\uc81c \uac1c\ud3b8 \ubc0f \uc9c0\uc815\uc694\uac74 \uccb4\uacc4\ud654 \uacc4\ud68d\uc744 \ubc1d\ud614\ub2e4. \uc774\uc5d0 \ub530\ub77c \uae08\uc735\ub2f9\uad6d\uc740 \uac1c\uc815\uc548 \uc2dc\ud589 \uc804 \ucd08\ub300\ud615 IB \uc9c0\uc815\uacfc \uc81c\ub3c4\ub9cc \uc874\uc7ac\ud588\ub358 \uc885\ud569\ud22c\uc790\uacc4\uc88c(IMA) \uc0ac\uc5c5\uc790 \uc9c0\uc815\ub3c4 \uc9c4\ud589\ud558\uaca0\ub2e4\ub294 \ubc29\uce68\uc774\ub2e4. \ubb3c\ub860 \uc2ec\uc0ac\uc5d0 \ub530\ub77c \uc9c4\uc785 \uc18d\ub3c4\ub294 \ub2ec\ub77c\uc9c8 \uc218 \uc788\ub2e4.<\/p>\n<p>\ucd08\ub300\ud615 IB \ud575\uc2ec\uc740 \ub2e8\uae30\uae08\uc735\uc5c5(\ubc1c\ud589\uc5b4\uc74c) \uc778\uac00\uc5d0 \uc788\ub2e4\uace0 \ud560 \uc218 \uc788\ub2e4. \uad6d\ub0b4 1\ud638 \ubc1c\ud589\uc5b4\uc74c \uc0ac\uc5c5\uc790\uc778 \ud55c\uad6d\ud22c\uc790\uc99d\uad8c\uc758 \uacbd\uc6b0 \uc62c\ud574 \uc0c1\ubc18\uae30 \uc5c5\uacc4 \ucc98\uc74c\uc73c\ub85c \ubc18\uae30 \uc601\uc5c5\uc774\uc775 1\uc870\uc6d0\uc744 \ub3cc\ud30c\ud558\ub294 \ub4f1 \uc555\ub3c4\uc801\uc778 \uc131\uacfc\ub97c \ub0b4\uace0 \uc788\ub2e4. \uc99d\uad8c\uc5c5\uacc4\uc5d0\uc11c\ub294 \uc790\ubcf8 \uaddc\ubaa8\ubcc4 &#8216;\ubd80\uc775\ubd80 \ube48\uc775\ube48&#8217; \ud604\uc0c1\uc774 \uc9c0\uc18d\ub418\ub294 \ub370\uc5d0\ub294 \ubc1c\ud589\uc5b4\uc74c \uc778\uac00\ub3c4 \uad00\ub828\uc774 \uc788\ub2e4\ub294 \ud3c9\uc774\ub2e4.<\/p>\n<p>\ubb3c\ub860 \ubc1c\ud589\uc5b4\uc74c\uc774 \uc99d\uad8c\uc0ac \uacbd\uc7c1\ub825\uc758 \uc804\ubd80\ub294 \uc544\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \ucd94\ud6c4 \ubc1c\ud589\uc5b4\uc74c \uc778\uac00\ub97c \ubc1b\ub294 \uacf3\uc774 \ub298\uc5b4\ub098\uba74 \uc790\ubcf8\ub825\uc774 \ud48d\ubd80\ud55c \uc99d\uad8c\uc0ac\ub4e4\uc744 \uc911\uc2ec\uc73c\ub85c \uc774\uc775 \uaca9\ucc28\uac00 \ubcf4\ub2e4 \ucee4\uc9c8 \uac83\uc73c\ub85c \uad00\uce21\ub41c\ub2e4. \ud604 \uc815\ubd80\uc640 \uae08\uc735\ub2f9\uad6d\uc774 \uac15\uc870\ud558\ub294 &#8216;\uc0dd\uc0b0\uc801 \uae08\uc735&#8217;\uc5d0\ub3c4 \ud798\uc744 \ubcf4\ud0e4 \uc218 \uc788\uc744 \uac83\uc73c\ub85c \uc804\ub9dd\ub41c\ub2e4. \uae30\uc874 \ubc1c\ud589\uc5b4\uc74c \uc778\uac00\ub97c \ubc1b\uc558\ub358 \uacf3\ub4e4\uc740 IMA\ub97c \ud1b5\ud574 \ucc28\ubcc4\ud654\ub97c \uaf80\ud558\uaca0\ub2e4\ub294 \ubc29\uce68\uc774\ub2e4.<\/p>\n<p><strong>\u25c78\ub144 \ub9cc\uc5d0 \ubc1c\ud589\uc5b4\uc74c \uc2dc\uc7a5 42\uc870\uc6d0\ub300\ub85c \uc131\uc7a5<\/strong><\/p>\n<p>\ud604\uc7ac \uad6d\ub0b4 \uc99d\uad8c\uc0ac \uc911 \uc790\ubcf8\uaddc\ubaa8 4\uc870\uc6d0 \uc774\uc0c1\uc758 \uc885\ud22c\uc0ac, \ucd08\ub300\ud615 IB\ub294 \ud55c\uad6d\ud22c\uc790\uc99d\uad8c, \ubbf8\ub798\uc5d0\uc14b\uc99d\uad8c, NH\ud22c\uc790\uc99d\uad8c, KB\uc99d\uad8c, \uc0bc\uc131\uc99d\uad8c \ub4f1 \ucd1d 5\uacf3\uc774\ub2e4. \uc774 \uc911 \uc0bc\uc131\uc99d\uad8c\uc744 \uc81c\uc678\ud558\uace0\ub294 \ubaa8\ub450 \ubc1c\ud589\uc5b4\uc74c \uc778\uac00\ub97c \ubc1b\uc558\ub2e4. \ud55c\uad6d\ud22c\uc790\uc99d\uad8c\uc740 2017\ub144 11\uc6d4 \uc778\uac00\ub97c \ubc1b\uc558\uace0 NH\ud22c\uc790\uc99d\uad8c(2018\ub144 5\uc6d4), KB\uc99d\uad8c(2019\ub144 5\uc6d4), \ubbf8\ub798\uc5d0\uc14b\uc99d\uad8c(2021\ub144 5\uc6d4) \ub4f1\uc774 \ucc28\ub840\ub85c \uc2dc\uc7a5\uc5d0 \uc9c4\uc785\ud588\ub2e4.<\/p>\n<p>\ubc1c\ud589\uc5b4\uc74c\uc740 \ub9cc\uae30 1\ub144 \uc774\ub0b4 \ub2e8\uae30\uc0c1\ud488\uc73c\ub85c \uc778\uac00\ub97c \ubc1b\uc740 \uc0ac\uc5c5\uc790\ub294 \uc790\uae30\uc790\ubcf8\uc758 \ucd5c\ub300 200%\uae4c\uc9c0 \uc790\uae08 \uc870\ub2ec\uc774 \uac00\ub2a5\ud558\ub2e4. \uc99d\uad8c\uc0ac\uc758 \uacbd\uc6b0 \ud574\ub2f9 \uc790\uae08\uc73c\ub85c \uae30\uc5c5\uae08\uc735, \ubd80\ub3d9\uc0b0 \ub4f1\uc5d0 \ud22c\uc790\ud558\uace0 \uc788\ub2e4. \ud604\ud589 \uc81c\ub3c4\ub85c\ub294 \ubc1c\ud589\uc5b4\uc74c \uc6b4\uc6a9\uc790\uc0b0 \uc911 \uae30\uc5c5\uae08\uc735 50% \uc774\uc0c1, \ubd80\ub3d9\uc0b0 30% \uc774\ud558\ub85c \uc6b4\uc6a9\ud574\uc57c \ud558\uc9c0\ub9cc \ub0b4\ub144\ubd80\ud130\ub294 \ubd80\ub3d9\uc0b0 \ube44\uc911\uc744 \ucd95\uc18c\ud558\ub294 \ub3d9\uc2dc\uc5d0 \ubaa8\ud5d8\uc790\ubcf8 \ud22c\uc790\ub97c \uc9d1\ud589\ud574\uc57c \ud55c\ub2e4.<\/p>\n<div><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-37486\" src=\"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/08\/20250811190526048_n.jpg\" alt=\"\" width=\"640\" height=\"529\" srcset=\"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/08\/20250811190526048_n.jpg 640w, https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/08\/20250811190526048_n-300x248.jpg 300w, https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/08\/20250811190526048_n-150x124.jpg 150w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/div>\n<p>\uc99d\uad8c\uc0ac \ubc1c\ud589\uc5b4\uc74c\uc740 \uc0ac\uc5c5\uc774 \ud5c8\uc6a9\ub41c \uc774\ud6c4 \ub9e4\ub144 \uaddc\ubaa8\ub97c \ud0a4\uc6cc\uc654\ub2e4. 2017\ub144 \ud55c\uad6d\ud22c\uc790\uc99d\uad8c \ub2e8\ub3c5 \uc0ac\uc5c5\uc790\uc600\uc744 \ub54c \uc6b4\uc6a9\uaddc\ubaa8\ub294 8500\uc5b5\uc6d0 \uc815\ub3c4\uc600\ub2e4. 2018\ub144 NH\ud22c\uc790\uc99d\uad8c\uc774 \uc9c4\uc785\ud588\uace0 \uc2dc\uc7a5 \uaddc\ubaa8 \uc5ed\uc2dc 6\uc870\uc6d0\ub300\uae4c\uc9c0 \ucee4\uc84c\ub2e4. KB\uc99d\uad8c\uc774 \uc9c4\uc785\ud55c 2019\ub144\uc5d0\ub294 12\uc870\uc6d0\ub300\ub85c \ucee4\uc84c\uace0, \ubbf8\ub798\uc5d0\uc14b\uc99d\uad8c\uc774 \uc9c4\uc785\ud55c 2021\ub144\uc5d0\ub294 16\uc870\uc6d0\ub300\uae4c\uc9c0 \ucee4\uc84c\ub2e4.<\/p>\n<p>\uac01 \ud558\uc6b0\uc2a4\uc758 \uc804\ub7b5\uc5d0 \ub530\ub77c \uc6b4\uc6a9 \uaddc\ubaa8\ub294 \ub2ec\ub790\uc9c0\ub9cc \ub9e4\ub144 \uc2dc\uc7a5\uc744 \ud0a4\uc6cc\uc654\ub2e4. \uc62c\ud574 1\ubd84\uae30\ub9d0 \uae30\uc900\uc73c\ub85c \uad6d\ub0b4 \ubc1c\ud589\uc5b4\uc74c \uc2dc\uc7a5\uc740 42\uc870\uc6d0\ub300\ub85c \uc131\uc7a5\ud588\ub2e4. \uc62c\ud574 \ud558\ubc18\uae30 \uae08\uc735\ub2f9\uad6d\uc774 \ucd94\uac00\ub85c \ubc1c\ud589\uc5b4\uc74c \uc778\uac00\ub97c \ud5c8\uc6a9\ud558\uba74 \uc2dc\uc7a5 \uaddc\ubaa8\ub294 \ub354\uc6b1 \ucee4\uc9c8 \uc804\ub9dd\uc774\ub2e4. \ud604\uc7ac \uc778\uac00 \uc2e0\uccad\uc744 \ud55c \uacf3\uc740 \uc0bc\uc131\uc99d\uad8c, \ud0a4\uc6c0\uc99d\uad8c, \uc2e0\ud55c\ud22c\uc790\uc99d\uad8c, \uba54\ub9ac\uce20\uc99d\uad8c, \ud558\ub098\uc99d\uad8c \ub4f1 \ub2e4\uc12f \uacf3\uc774\ub2e4.<\/p>\n<p><strong>\u25c71\ud638 \uc0ac\uc5c5\uc790 \ud55c\uad6d\uc99d\uad8c, \ubc18\uae30 1\uc870 \uc131\uacfc \ub4a4\uc5d4 &#8216;\ubc1c\ud589\uc5b4\uc74c&#8217;<\/strong><\/p>\n<p>\uad6d\ub0b4\uc5d0\uc11c \uac00\uc7a5 \ubc1c\ud589\uc5b4\uc74c\uc744 \uc801\uadf9\uc801\uc73c\ub85c \ud65c\uc6a9\ud558\ub294 \uc99d\uad8c\uc0ac\ub294 \ub2e8\uc5f0 \ud55c\uad6d\ud22c\uc790\uc99d\uad8c\uc774\ub2e4. \ud55c\uad6d\ud22c\uc790\uc99d\uad8c\uc758 \uacbd\uc6b0 2018\ub144 \ubc1c\ud589\uc5b4\uc74c \uaddc\ubaa8\ub97c 4\uc870\uc6d0\ub300\ub85c \ub298\ub9b0 \ud6c4 2021\ub144 8\uc870\uc6d0\uae4c\uc9c0 \uaddc\ubaa8\ub97c \ud0a4\uc6e0\ub2e4. 2022\ub144 11\uc870\uc6d0, 2023\ub144 14\uc6d0\ub300, 2024\ub144 17\uc870\uc6d0\ub300\uae4c\uc9c0 \uc6b4\uc6a9\uaddc\ubaa8\ub97c \ud655\ub300\ud588\ub2e4. \uc0c1\ubc18\uae30 \uae30\uc900\uc73c\ub85c 17\uc8709700\uc5b5\uc6d0\uc744 \uae30\ub85d, 18\uc870\uc6d0\ub300\ub97c \ub208\uc55e\uc5d0 \ub450\uace0 \uc788\ub2e4.<\/p>\n<p>\ud55c\uad6d\ud22c\uc790\uc99d\uad8c\uc758 \ubcc4\ub3c4 \uae30\uc900 \uc790\ubcf8\ucd1d\uacc4\ub294 9\uc8703169\uc5b5\uc6d0\uc73c\ub85c \ub808\ubc84\ub9ac\uc9c0\ub97c \uaf49 \ucc44\uc6cc\uc11c \uc6b4\uc6a9\ud558\uace0 \uc788\ub2e4. \ud0c0\uc0ac\uc758 \uacbd\uc6b0 \ubc18\uae30\ubcf4\uace0\uc11c \uc81c\ucd9c \uc804\uc774\uae30 \ub54c\ubb38\uc5d0 1\ubd84\uae30\ub9d0 \uae30\uc900\uc73c\ub85c \ubd24\uc744 \ub54c KB\uc99d\uad8c\uc740 \uc790\uae30\uc790\ubcf8\uc758 150% \uc815\ub3c4, NH\ud22c\uc790\uc99d\uad8c\uacfc \ubbf8\ub798\uc5d0\uc14b\uc99d\uad8c\uc740 \uac01\uac01 79%, 62% \uc815\ub3c4\ub85c \ubc1c\ud589\uc5b4\uc74c\uc744 \ud65c\uc6a9\ud558\uace0 \uc788\ub2e4.<\/p>\n<div><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-37488\" src=\"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/08\/20250811190543584_n.jpg\" alt=\"\" width=\"640\" height=\"510\" srcset=\"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/08\/20250811190543584_n.jpg 640w, https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/08\/20250811190543584_n-300x239.jpg 300w, https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/08\/20250811190543584_n-150x120.jpg 150w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/div>\n<p>\uae08\uc735\ud22c\uc790\uc5c5\uacc4\uc5d0\uc11c\ub294 \ud55c\uad6d\ud22c\uc790\uc99d\uad8c\uc774 \ubc1c\ud589\uc5b4\uc74c\uc744 \ud65c\uc6a9, IB\uadf8\ub8f9\uc5d0\uc11c \uae30\uc5c5\uae08\uc735 \uc8fc\ub3c4\uad8c\uc744 \uac00\uc838\uac00\ub294 \ub370 \uc601\ud5a5\uc744 \uc8fc\uace0 \uc788\uc744 \ubfd0 \uc544\ub2c8\ub77c \ud0c0\uc0ac \ub300\ube44 \uc555\ub3c4\uc801\uc778 \uc2e4\uc801\uc744 \ub0b4\ub294 \uc694\uc778\uc73c\ub85c \ubcf4\uace0 \uc788\ub2e4. \uc2e4\uc801 \ubcc0\ub3d9\uc131\uc744 \ub0ae\ucd94\ub294 \ub370\uc5d0\ub3c4 \ub3c4\uc6c0\uc744 \uc8fc\uace0 \uc788\ub2e4\ub294 \ud3c9\uc774\ub2e4.<\/p>\n<p>\uc62c\ud574 \uc0c1\ubc18\uae30 \uc5f0\uacb0\uae30\uc900 \ud55c\uad6d\ud22c\uc790\uc99d\uad8c\uc740 \uc601\uc5c5\uc774\uc775 1\uc8701479\uc5b5\uc6d0, \uc21c\uc774\uc775 1\uc870252\uc5b5\uc6d0\uc744 \uae30\ub85d\ud588\ub2e4. \uc774\ub294 \uc804\ub144\ub3d9\uae30 \ub300\ube44 48.08%, 44.22% \uc99d\uac00\ud55c \uac83\uc73c\ub85c \uad6d\ub0b4 \uc99d\uad8c\uc0ac \uc911 \uac00\uc7a5 \ub9ce\uc740 \ubc18\uae30 \uc2e4\uc801\uc744 \ub0c8\ub2e4. \uc0ac\uc5c5\uc740 \ube0c\ub85c\ucee4\ub9ac\uc9c0(BK), BK \uc774\uc790, \uc790\uc0b0\uad00\ub9ac, IB, \uc6b4\uc6a9 \ub4f1 \uc0ac\uc5c5\uc73c\ub85c \ub098\ub258\uace0 \uc774 \uc911 \uac00\uc7a5 \ub9ce\uc740 \ub3c8\uc744 \ubc8c\uc5b4\ub4e4\uc774\ub294 \ubd80\ubb38\uc774 \uc6b4\uc6a9\uc774\ub2e4.<\/p>\n<p>\uc0c1\ubc18\uae30 \uc21c\uc601\uc5c5\uc218\uc775 1\uc8705812\uc5b5\uc6d0 \uc911 \uc808\ubc18\uc5d0 \uac00\uae4c\uc6b4 7367\uc5b5\uc6d0\uc774 \uc6b4\uc6a9\uc5d0\uc11c \ubc1c\uc0dd\ud588\ub2e4. KB\uc99d\uad8c\uacfc NH\ud22c\uc790\uc99d\uad8c \ub4f1\uc774 IB \ud30c\ud2b8\uc5d0\uc11c \ubc1c\ud589\uc5b4\uc74c \uc6b4\uc6a9\uc744 \ud558\uace0 \uc788\ub2e4\uba74 \ud55c\uad6d\ud22c\uc790\uc99d\uad8c\uc740 \uc6b4\uc6a9\uadf8\ub8f9 \ub0b4 \uc885\ud569\uae08\uc735\ubcf8\ubd80\uc5d0\uc11c \ub2f4\ub2f9\ud55c\ub2e4. IB\uadf8\ub8f9 \ub0b4\uc5d0\uc11c \uc18c\uc2f1\ud558\ub294 \uae30\uc5c5\uae08\uc735 \uad00\ub828 \ub51c \ubfd0\ub9cc \uc544\ub2c8\ub77c \uc720\ud1b5\ubb3c\uc5d0 \ub300\ud574\uc11c\ub3c4 \uc801\uadf9\uc801\uc73c\ub85c \ub2f4\ub294 \uac83\uc73c\ub85c \uc54c\ub824\uc84c\ub2e4.<\/p>\n<p>IB\uc5c5\uacc4 \uad00\uacc4\uc790\ub294 &#8220;\ud55c\uad6d\ud22c\uc790\uc99d\uad8c\uc774 \uad6d\ub0b4\uc5d0\uc11c \ubc1c\ud589\uc5b4\uc74c\uc744 \uac00\uc7a5 \uacf5\uaca9\uc801\uc73c\ub85c \uc6b4\uc6a9\ud558\uace0 \uc788\ub2e4\ub294 \ub370\uc5d0\ub294 \uc774\uacac\uc774 \uc5c6\ub2e4&#8221;\uba70 &#8220;\uc740\ud589\uacc4 \uc99d\uad8c\uc0ac\ub4e4\uc758 \uacbd\uc6b0 \ub9ac\uc2a4\ud06c \uad00\ub9ac \ub54c\ubb38\uc5d0 \uc27d\uc0ac\ub9ac \ub2f4\uc9c0 \ubabb\ud558\ub294 \uc790\uc0b0\uae4c\uc9c0\ub3c4 \ud55c\uad6d\ud22c\uc790\uc99d\uad8c\uc740 \uc801\uadf9\uc801\uc73c\ub85c \ub2f4\uace0 \uc788\ub294\ub370 \uc544\uc9c1 \ud070 \ubb38\uc81c\uac00 \ub41c \ubd80\ubd84\uc774 \uc5c6\ub294 \uac83\uc73c\ub85c \uc54c\uace0 \uc788\ub2e4&#8221;\uace0 \ubc1d\ud788\uae30\ub3c4 \ud588\ub2e4.<\/p>\n<p>\uc2dc\uc7a5\uc5d0\uc11c\ub294 \ud55c\uad6d\ud22c\uc790\uc99d\uad8c\uc774 \uc5f0\uac04 2000\uc5b5~3000\uc5b5\uc6d0 \uc815\ub3c4\uc758 \uc774\uc775\uc744 \ubc1c\ud589\uc5b4\uc74c\uc744 \ud1b5\ud574 \uc548\uc815\uc801\uc73c\ub85c \uac00\uc838\uac00\uace0 \uc788\ub2e4\uace0 \ubcf4\uace0 \uc788\ub2e4. \ub610\ud55c \uc21c\uc774\uc790\ub9c8\uc9c4(NIM) \uc5ed\uc2dc \ud0c0\uc0ac \ub300\ube44 \ub192\uac8c \ucc45\uc815\ud574 \uc6b4\uc6a9\ud558\uace0 \uc788\ub2e4\ub294 \ud6c4\ubb38\uc774\ub2e4. \ud22c\uc790\uc5c5\uacc4\uc5d0\uc11c\ub294 1%\ub300 \uc911\ud6c4\ubc18 \uc815\ub3c4\ub85c \ubcf4\uace0 \uc788\ub294\ub370 \ud604\uc7ac \uc6b4\uc6a9\uc790\uc0b0\uacfc NIM\uc744 \uace0\ub824\ud558\uba74 \uc5f0\uac04 3000\uc5b5\uc6d0 \uc218\uc900\uc73c\ub85c \uacc4\uc0b0\ub41c\ub2e4.<\/p>\n<p><strong>\u25c7\ub3c5\ub9bd\uacc4 \uc99d\uad8c\uc0ac \uc911\uc2ec &#8216;\uc774\uc775 \ud000\ud140\uc810\ud504&#8217; \uae30\ub300<\/strong><\/p>\n<p>\ud55c\uad6d\ud22c\uc790\uc99d\uad8c\uc774 \ubc1c\ud589\uc5b4\uc74c\uc744 \ud1b5\ud574 \uc774\uc775 \uadf9\ub300\ud654\ub97c \ucd94\uad6c\ud558\uace0 \uc788\uc9c0\ub9cc KB\uc99d\uad8c\uc774\ub098 NH\ud22c\uc790\uc99d\uad8c, \ubbf8\ub798\uc5d0\uc14b\uc99d\uad8c \uc5ed\uc2dc \uad00\ub828 \uc0ac\uc5c5\uc744 \ud1b5\ud574 \uc801\uac8c\ub294 \uc218\ubc31\uc5b5\uc6d0\uc5d0\uc11c \ub9ce\uac8c\ub294 1000\uc5b5\uc6d0\ub300\uc758 \uc774\uc775\uc744 \ub0a8\uae30\uace0 \uc788\ub294 \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4. KB\uc99d\uad8c\uacfc NH\ud22c\uc790\uc99d\uad8c\uc758 \uacbd\uc6b0 \uc740\ud589 \uc911\uc2ec\uc758 \uc9c0\uc8fc\uc0ac \uc18c\uc18d\uc778 \ub9cc\ud07c \ubcf4\uc218\uc801\uc778 \uc6b4\uc6a9\uc744 \ud558\uace0 \uc788\uc9c0\ub9cc IB\uac00 \uac15\ud55c \uacf3\uc73c\ub85c \ub51c \uc18c\uc2f1\uc5d0 \ud0c1\uc6d4\ud558\ub2e4.<\/p>\n<p>\ub2e4\ub9cc \uc774\ubc88\uc5d0 \ubc1c\ud589\uc5b4\uc74c \uc0ac\uc5c5 \uc778\uac00\ub97c \uc2e0\uccad\ud558\ub294 \uacf3\ub4e4\uc758 \uba74\uba74\uc744 \ubcf4\uba74 \uc0bc\uc131\uc99d\uad8c, \uba54\ub9ac\uce20\uc99d\uad8c, \ud0a4\uc6c0\uc99d\uad8c \ub4f1\uc740 \uc774\ubbf8 \uc601\uc5c5\uc774\uc775\uc744 \ub9ce\uc774 \ub0b4\uace0 \uc788\ub294 \uacf3\uc774\ub2e4. \uc2dc\uae30\ubcc4\ub85c \ucc28\uc774\ub294 \uc788\uc9c0\ub9cc 2017\ub144\ubd80\ud130 2022\ub144\uae4c\uc9c0 \ubaa8\ub450 \uc885\ud22c\uc0ac \uc9c0\uc815\uc744 \ubc1b\uc544 \uae30\uc5c5 \uc2e0\uc6a9\uacf5\uc5ec\ub098 \ud504\ub77c\uc784 \ube0c\ub85c\ucee4\ub9ac\uc9c0 \uc11c\ube44\uc2a4(PBS) \ub4f1\uc744 \ud558\uace0 \uc788\ub2e4. \uac01 \ud558\uc6b0\uc2a4\uc758 \ud575\uc2ec\uc0ac\uc5c5\uc740 \ub2e4\ub974\uc9c0\ub9cc \ub9e4\ub144 \uc218\ucc9c\uc5b5\uc6d0\uc758 \uc21c\uc774\uc775\uc744 \ub0b4\uba74\uc11c \ucd08\ub300\ud615 IB\ub85c\uc758 \uc790\ubcf8 \uc694\uac74\uc740 \ub9de\ucd98 \uc0c1\ud0dc\ub2e4.<\/p>\n<p>\uc62c\ud574 \uc0c1\ubc18\uae30 \uc5f0\uacb0 \uae30\uc900 \ubbf8\ub798\uc5d0\uc14b\uc99d\uad8c 6641\uc5b5\uc6d0, NH\ud22c\uc790\uc99d\uad8c 4651\uc5b5\uc6d0, KB\uc99d\uad8c 3389\uc5b5\uc6d0 \ub4f1\uc758 \uc21c\uc774\uc775\uc744 \ub0c8\ub2e4. \uac19\uc740 \uae30\uac04 \ud0a4\uc6c0\uc99d\uad8c\uc740 5457\uc5b5\uc6d0\uc758 \uc21c\uc774\uc775\uc744 \ub0c8\uace0 \uc0bc\uc131\uc99d\uad8c\uc740 4830\uc5b5\uc6d0 \uae30\ub85d\ud588\ub2e4. \uc544\uc9c1 \uba54\ub9ac\uce20\uc99d\uad8c\uc758 \uc21c\uc774\uc775\uc740 \ubc1c\ud45c\ub418\uc9c0 \uc54a\uc558\ub2e4. 1\ubd84\uae30 \uc21c\uc774\uc775\uc740 1874\uc5b5\uc6d0\uc774\uc5c8\ub2e4. \ud0a4\uc6c0\uc99d\uad8c\uc774\ub098 \uc0bc\uc131\uc99d\uad8c\uc740 \ubc1c\ud589\uc5b4\uc74c \uc778\uac00\ub97c \ubc1b\uc740 \uc740\ud589\uacc4 \uc99d\uad8c\uc0ac\ubcf4\ub2e4 \ub9ce\uc740 \uc774\uc775\uc744 \ub0c8\ub2e4.<\/p>\n<div><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-37487\" src=\"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/08\/20250811190556584_n.jpg\" alt=\"\" width=\"640\" height=\"409\" srcset=\"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/08\/20250811190556584_n.jpg 640w, https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/08\/20250811190556584_n-300x192.jpg 300w, https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/08\/20250811190556584_n-150x96.jpg 150w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/div>\n<p>\uc2e0\ud55c\ud22c\uc790\uc99d\uad8c, \ud558\ub098\uc99d\uad8c \ub4f1 \uc740\ud589\uacc4 \uc99d\uad8c\uc0ac\uc758 \uacbd\uc6b0 \uad6d\uc81c\uacb0\uc81c\uc740\ud589(BIS) \ube44\uc728 \uaddc\uc81c\uc5d0\uc11c \uc790\uc720\ub86d\uc9c0 \uc54a\uc9c0\ub9cc, \ub098\uba38\uc9c0 \uc138 \uacf3\uc758 \uacbd\uc6b0 \ubc1c\ud589\uc5b4\uc74c\uc774\ub77c\ub294 \ubb34\uae30\ub97c \uc7a5\ucc29\ud558\uace0 \ub098\uba74 \uc774\uc775 \uc218\uc900\uc744 \ud55c \ub2e8\uacc4 \ub192\uc77c \uc218 \uc788\uc744 \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4. \uc774 \ub54c\ubb38\uc5d0 \ud55c\uad6d\ud22c\uc790\uc99d\uad8c, \ubbf8\ub798\uc5d0\uc14b\uc99d\uad8c \ub4f1\uc774 IMA \uc778\uac00 \uc2e0\uccad\uc744 \ud1b5\ud574 \uc0c8\ub85c\uc6b4 \uc218\uc775\uc6d0 \ud655\ubcf4\uc5d0 \ub098\uc11c\uaca0\ub2e4\ub294 \ubc29\uce68\uc774\uace0 \uc740\ud589\uacc4\uc778 NH\ud22c\uc790\uc99d\uad8c\uae4c\uc9c0 3\ubd84\uae30 \ub0b4 IMA \uc778\uac00 \uc2e0\uccad\uc744 \ud558\uaca0\ub2e4\ub294 \uacc4\ud68d\uc774\ub2e4.<\/p>\n<p>\uae08\uc735\ud22c\uc790\uc5c5\uacc4 \uad00\uacc4\uc790\ub294 &#8220;\uc774\ubbf8 \uad6d\ub0b4 \uc99d\uad8c\uc5c5\uacc4\ub294 \uc790\ubcf8 \uaddc\ubaa8\uc5d0 \ub530\ub77c \ud560 \uc218 \uc788\ub294 \uc0ac\uc5c5\uc774 \uc815\ud574\uc838 \uc788\uace0 \uc774\uc5d0 \ub530\ub77c \ubc8c\uc5b4\ub4e4\uc77c \uc218 \uc788\ub294 \uc218\uc775\ub3c4 \ucc28\uc774\uac00 \ud06c\ub2e4&#8221;\uba70 &#8220;\ubc1c\ud589\uc5b4\uc74c \uc0ac\uc5c5 \uc778\uac00 \ud68d\ub4dd \uc5ec\ubd80\uc5d0 \ub530\ub77c \uc99d\uad8c\uc0ac \uc218\uc775\uc6d0\uc774 \ub2ec\ub77c\uc9c0\uae30 \ub54c\ubb38\uc5d0 \uc774\ubc88 \uc2ec\uc0ac\uc5d0 \ub2e4\ub4e4 \uc0ac\ud65c\uc744 \uac78\uace0 \uc788\ub2e4&#8221;\uace0 \ub9d0\ud588\ub2e4. \uc774\ubc88 \ud0c0\uc774\ubc0d\uc744 \ub193\uce58\uba74 \ub0b4\ub144\ubd80\ud134 \uac15\ud654\ub41c \uae30\uc900\uc73c\ub85c \uc2ec\uc0ac\ub97c \ubc1b\uc544\uc57c \ud55c\ub2e4.<\/p>\n<p>\/ \uae40\uc2ac\uae30 \ub354\ubca8 \uae30\uc790<\/p>\n","protected":false},"excerpt":{"rendered":"<p>|\u246042\uc870 \uc2dc\uc7a5\uc11c \ud55c\uad6d\uc99d\uad8c \ubaab 40%\u2026\uc2e0\uaddc \uc0ac\uc5c5\uc790 \uc9c4\ucd9c \uac00\uc2dc\ud654 \uad6d\ub0b4 \ucd08\ub300\ud615 \ud22c\uc790\uc740\ud589(IB) \uacbd\uc7c1\uc774 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