{"id":44093,"date":"2025-11-03T04:59:23","date_gmt":"2025-11-02T19:59:23","guid":{"rendered":"https:\/\/www.sanctionlab.com\/?p=44093"},"modified":"2025-11-01T10:15:20","modified_gmt":"2025-11-01T01:15:20","slug":"eba-%ec%9c%a0%eb%9f%bd-%ec%9e%90%ea%b8%88%ec%84%b8%ed%83%81%eb%b0%a9%ec%a7%80%ec%b2%ad-%ec%b6%9c%eb%b2%94-%ec%95%9e%ec%84%9c-aml-%eb%b6%80%eb%8b%b4-15-%ec%a4%84%ec%9d%b4%eb%8a%94-%eb%b0%a9%ec%95%88","status":"publish","type":"post","link":"https:\/\/www.sanctionlab.com\/?p=44093","title":{"rendered":"EBA, \uc720\ub7fd \uc790\uae08\uc138\ud0c1\ubc29\uc9c0\uccad \ucd9c\ubc94 \uc55e\uc11c AML \ubd80\ub2f4 15% \uc904\uc774\ub294 \ubc29\uc548 \uc81c\ucd9c"},"content":{"rendered":"

| \ub9ac\uc2a4\ud06c \ud3c9\uac00 \uc758\ubb34 \uc81c\ucd9c \ub370\uc774\ud130 15% \uac10\ucd95
\n| AMLA \ud3c9\uac00\uc640\uc758 \ub370\uc774\ud130 \uc911\ubcf5\u00b7\ud589\uc815 \ubd80\ub2f4 \ud574\uc18c<\/h3>\n

<\uac1c\uc694><\/strong>
\n\uc720\ub7fd\uc740\ud589\uac10\ub3c5\uccad(EBA)\uc740 \uc9c0\ub09c\ub2ec 30\uc77c(\ud604\uc9c0\uc2dc\uac01), \uc720\ub7fd\uc5f0\ud569 \uc9d1\ud589\uc704\uc6d0\ud68c\uc758 \uc694\uccad\uc5d0 \ub530\ub77c \uc0c8\ub85c\uc6b4 \uc790\uae08\uc138\ud0c1\ubc29\uc9c0\u00b7\ud14c\ub7ec\uc790\uae08\uc870\ub2ec\ubc29\uc9c0(AML\/CFT) \uccb4\uc81c \uad6c\ucd95\uc744 \uc704\ud55c \uc790\ubb38<\/a>\uc744 \uc81c\ucd9c\ud574, AML \ub9ac\uc2a4\ud06c \ud3c9\uac00 \uc11c\ub958 \uc791\uc5c5\uc744 \ub300\ud3ed \uc904\uc774\ub294 \ubc29\uc548\uc744 \uc81c\uc548\ud568. \uc774\ubc88 \uad8c\uace0\ub294 \uc624\ub294 2026\ub144 \ucd9c\ubc94 \uc608\uc815\uc778 \uc720\ub7fd \uc790\uae08\uc138\ud0c1\ubc29\uc9c0\uccad(AMLA)\uc758 \uac10\ub3c5\uccb4\uacc4 \ub9c8\ub828\uc744 \uc704\ud55c \uae30\ubc18 \uc791\uc5c5\uc73c\ub85c, \ub9ac\uc2a4\ud06c \ud3c9\uac00 \uc808\ucc28 \uac04\uc18c\ud654\uc640 \ub370\uc774\ud130 \uc911\ubcf5 \ubcf4\uace0 \ud574\uc18c\ub97c \ud575\uc2ec\uc73c\ub85c \ud568. EBA\ub294 \uac10\ub3c5 \ud6a8\uc728\uc131\uc744 \ub192\uc774\uae30 \uc704\ud574 \uae30\uc874 \uaddc\uc81c\uae30\uc220\ud45c\uc900(RTS)\uc744 \uc218\uc815\ud558\uace0, \uae08\uc735\uae30\uad00\uc758 \ud589\uc815 \ubd80\ub2f4\uc744 \uc57d 15% \uc904\uc774\ub294 \ubc29\uc548\uc744 \uc81c\uc2dc\ud568. \uc774\ub97c \ud1b5\ud574 EU \uc804\uccb4\uc758 AML \uccb4\uc81c\uac00 \ubcf4\ub2e4 \uc2e4\ud6a8\uc801\uc774\uace0 \uc77c\uad00\ub41c \ubc29\ud5a5\uc73c\ub85c \uc804\ud658\ub420 \uac83\uc73c\ub85c \uae30\ub300\ub428.<\/p>\n

<\uad6c\uccb4\uc801 \ub0b4\uc6a9><\/strong>
\nEBA\ub294 \ucd5c\uadfc \uc720\ub7fd\uc5f0\ud569 \uc9d1\ud589\uc704\uc6d0\ud68c\uc5d0 \uc81c\ucd9c\ud55c \uc790\ubb38\uc5d0\uc11c \uc0c8\ub85c\uc6b4 AML\/CFT \uccb4\uc81c\uc758 \ud575\uc2ec \uad6c\uc131\uc694\uc18c\uc5d0 \ub300\ud55c \uad6c\uccb4\uc801 \uad8c\uace0\uc548\uc744 \ubc1c\ud45c\ud568. \uc774\ub294 \uc791\ub144 3\uc6d4 \uc9d1\ud589\uc704\uc6d0\ud68c\uac00 \uc694\uccad\ud55c 6\uac1c \uaddc\uc81c \uc704\uc784 \uc0ac\ud56d(Regulatory Mandates)\uc5d0 \ub300\ud55c \ub2f5\ubcc0\uc73c\ub85c, AMLA \ucd9c\ubc94\uc744 \uc55e\ub454 \uacfc\ub3c4\uae30 \ub2e8\uacc4\uc5d0\uc11c \uac10\ub3c5\uc758 \uc77c\uad00\uc131\uacfc \ud6a8\uc728\uc131\uc744 \ubcf4\uc7a5\ud558\uae30 \uc704\ud55c \ubaa9\uc801\uc784.<\/p>\n

EBA\uac00 \uc81c\uc2dc\ud55c \uccab \ubc88\uc9f8 \uad8c\uace0\ub294 \uad6d\uac00 \uac10\ub3c5\ub2f9\uad6d\uc774 \uae08\uc735\uae30\uad00\uc758 \uace0\uc720(inherent) \ubc0f \uc794\uc5ec(residual) \ub9ac\uc2a4\ud06c\ub97c \ud3c9\uac00\ud558\ub294 \ub370 \uc0ac\uc6a9\ud560 \ubc29\ubc95\ub860\uc5d0 \uad00\ud55c \uaddc\uc81c\uae30\uc220\ud45c\uc900(RTS) \ucd08\uc548<\/strong>\uc784. ‘\uace0\uc720 \ub9ac\uc2a4\ud06c’\ub294 \uae08\uc735\uae30\uad00\uc774 \ubcf8\uc9c8\uc801\uc73c\ub85c \uc548\uace0 \uc788\ub294 \uc790\uae08\uc138\ud0c1 \ubc0f \ud14c\ub7ec\uc790\uae08\uc870\ub2ec \ub178\ucd9c \uc704\ud5d8\uc744 \uc758\ubbf8\ud558\uace0,’\uc794\uc5ec \ub9ac\uc2a4\ud06c’\ub294 \ub0b4\ubd80\ud1b5\uc81c\ub098 \ubaa8\ub2c8\ud130\ub9c1 \uc2dc\uc2a4\ud15c \ub4f1\uc744 \ud1b5\ud574 \uc704\ud5d8\uc744 \uc644\ud654\ud55c \ub4a4\uc5d0\ub3c4 \ub0a8\uc544 \uc788\ub294 \uc704\ud5d8\uc744 \ub73b\ud568. \uc774\ubc88\uc5d0 \ubc1c\ud45c\ub41c RTS \ucd08\uc548\uc5d0\ub294 \uac01 \ud68c\uc6d0\uad6d \uac10\ub3c5\ub2f9\uad6d\uc774 \uc774\ub7f0 \ub9ac\uc2a4\ud06c\ub97c \ud3c9\uac00\ud560 \ub54c \uc77c\uad00\ub41c \uae30\uc900\uacfc \uacc4\uc0b0 \ubc29\ubc95\uc744 \uc801\uc6a9\ud558\ub3c4\ub85d \ud45c\uc900\ud654\ub41c \uc808\ucc28\ub97c \ub9c8\ub828\ud558\uaca0\ub2e4\ub294 \ub0b4\uc6a9\uc774 \ud3ec\ud568\ub428.<\/p>\n

\uc9c0\uae08\uae4c\uc9c0\ub294 \ud68c\uc6d0\uad6d\ubcc4\ub85c \ud3c9\uac00 \ubc29\uc2dd\uacfc \uac00\uc911\uce58\uac00 \ub2ec\ub77c, \ub3d9\uc77c\ud55c \uc720\ud615\uc758 \uae08\uc735\uae30\uad00\uc774\ub77c\ub3c4 \uac10\ub3c5 \uacb0\uacfc\uac00 \ub2ec\ub77c\uc9c0\ub294 \ubb38\uc81c\uac00 \uc788\uc5c8\uc74c. \uc0c8 RTS\ub294 \ub9ac\uc2a4\ud06c \ud3c9\uac00 \uacfc\uc815\uc5d0\uc11c \uace0\ub824\ud574\uc57c \ud560 \uc8fc\uc694 \uc9c0\ud45c(\uace0\uac1d \uc704\ud5d8\ub3c4, \uc9c0\uc5ed\ubcc4 \ub178\ucd9c\ub3c4, \uac70\ub798 \ubcf5\uc7a1\uc131 \ub4f1)\uc640 \ub370\uc774\ud130 \uc0b0\ucd9c \ubc29\uc2dd\uae4c\uc9c0 \uad6c\uccb4\uc801\uc73c\ub85c \uc81c\uc2dc\ub3fc,\u00a0 EU \ucc28\uc6d0\uc758 \uac10\ub3c5 \ud1b5\uc77c\uc131\uc744 \ud655\ubcf4\ud558\ub824\ub294 \ubaa9\uc801\uc744 \uac00\uc9d0.<\/p>\n

\ub450 \ubc88\uc9f8\ub85c, AMLA\uac00 \uc9c1\uc811 \uac10\ub3c5\ud560 \uae30\uad00\uc744 \uc120\uc815\ud558\uae30 \uc704\ud55c \uc704\ud5d8\ud3c9\uac00 \ubc29\ubc95\ub860 \uc5ed\uc2dc \ud45c\uc900\ud654\ub420 \uc804\ub9dd\uc784. AMLA\ub294 \ucd9c\ubc94 \uc774\ud6c4 EU \uc804\uc5ed\uc758 \uae08\uc735\uae30\uad00\uc744 \ubaa8\ub450 \uc9c1\uc811 \uac10\ub3c5\ud558\uc9c0 \uc54a\uace0, \uc790\uae08\uc138\ud0c1 \ubc0f \ud14c\ub7ec\uc790\uae08\uc870\ub2ec \uc704\ud5d8\uc774 \uc0c1\ub300\uc801\uc73c\ub85c \ub192\uc740 ‘\ud575\uc2ec \uae30\uad00(high-risk institutions)’\uc744 \uc120\ubcc4\ud574 \uc9c1\uc811 \uad00\ub9ac\ud558\uac8c \ub428.<\/p>\n

\uc774\ub54c \uc5b4\ub5a4 \uae30\uad00\uc774 ‘\uace0\uc704\ud5d8’\uc73c\ub85c \ubd84\ub958\ub420\uc9c0\ub294 \uba85\ud655\ud55c \ud3c9\uac00 \uae30\uc900\uacfc \ud1b5\uc77c\ub41c \ub370\uc774\ud130 \ubd84\uc11d \uc808\ucc28\ub97c \ud1b5\ud574 \uacb0\uc815\ub428. EBA\ub294 \uc774\ubc88 RTS \ucd08\uc548\uc744 \ud1b5\ud574 AMLA\uac00 \uae30\uad00\ubcc4 \uc704\ud5d8\ub3c4\ub97c \uc0b0\uc815\ud560 \ub54c \uace0\ub824\ud574\uc57c \ud560 \uc8fc\uc694 \uc694\uc18c, \uc608\ub97c \ub4e4\uc5b4 \uad6d\uacbd \uac04 \uac70\ub798 \ube44\uc911, \uace0\uc704\ud5d8 \uc9c0\uc5ed \ubc0f \uace0\uac1d\uacfc\uc758 \ub178\ucd9c \uc815\ub3c4, \uc790\uae08 \ud750\ub984\uc758 \ubcf5\uc7a1\uc131 \ub4f1\uc744 \uba85\uc2dc\ud568. \uc774\ub97c \ud1b5\ud574 AMLA\ub294 \uac10\ub3c5 \uc5ed\ub7c9\uc744 \uac00\uc7a5 \uc704\ud5d8\ub3c4\uac00 \ub192\uc740 \uae30\uad00\uc5d0 \uc9d1\uc911\ud560 \uc218 \uc788\uac8c \ub418\uace0, \ub3d9\uc2dc\uc5d0 \uad6d\uac00\ubcc4 \uac10\ub3c5\ub2f9\uad6d\uc740 \ub098\uba38\uc9c0 \uc911\u00b7\uc800\uc704\ud5d8 \uae30\uad00\uc5d0 \ub300\ud55c \uad00\ub9ac\uc5d0 \uc790\uc6d0\uc744 \ubc30\ubd84\ud560 \uc218 \uc788\uac8c \ub428. \uacb0\uacfc\uc801\uc73c\ub85c EU \ucc28\uc6d0\uc758 AML \uac10\ub3c5\uc774 \uc911\ubcf5 \uc5c6\uc774, \uc704\ud5d8 \uae30\ubc18 \uc6d0\uce59\uc5d0 \ub530\ub77c \ubcf4\ub2e4 \uccb4\uacc4\uc801\uc73c\ub85c \uc6b4\uc601\ub420 \uac83\uc73c\ub85c \uae30\ub300\ub428.<\/p>\n

\ub610\ud55c \uc0c8\ub85c\uc6b4 AML\/CFT \uccb4\uc81c\ud558\uc5d0\uc11c \uae08\uc735\uae30\uad00\uc774 \uace0\uac1d\ud655\uc778\uc758\ubb34(Customer Due Diligence)\ub97c \uc218\ud589\ud560 \ub54c \ud655\ubcf4\ud574\uc57c \ud558\ub294 \uc815\ubcf4\uc758 \ubc94\uc704\uc640 \uc808\ucc28\uc5d0 \ub300\ud55c \uae30\uc900 \ucd08\uc548\ub3c4 \uacf5\uac1c\ub428. \uc774\ub294 \ud68c\uc6d0\uad6d \uac04\uc758 \uc815\ubcf4 \uc218\uc9d1 \ud3b8\ucc28\ub97c \uc904\uc774\uace0, \uace0\uac1d \ub9ac\uc2a4\ud06c \ubd84\uc11d\uc758 \uc77c\uad00\uc131\uc744 \ub192\uc774\ub824\ub294 \ubaa9\uc801\uc784.<\/p>\n

EBA\ub294 \uc544\uc6b8\ub7ec \uac10\ub3c5\ub2f9\uad6d\uc774 \uaddc\uc815 \uc704\ubc18 \ud589\uc704\ub97c \uc2ec\uac01\ub3c4\uc5d0 \ub530\ub77c \ubd84\ub958\ud558\uace0, \ubc8c\uae08 \uc218\uc900\uc744 \uc0b0\uc815\ud558\uac70\ub098 \ud589\uc815\uc870\uce58\ub97c \ucde8\ud560 \ub54c \uc801\uc6a9\ud560 \uae30\uc900\uc744 \uc81c\uc2dc\ud568. \uc5ec\uae30\uc5d0 \uadf8\ub8f9 \ub0b4 \uc815\ubcf4 \uad50\ud658 \ubc29\uc2dd\uacfc \ubc8c\uae08\uc758 \uae30\ubcf8 \uae08\uc561 \uc124\uc815\uc744 \uc704\ud55c \uc0ac\uc804 \uc791\uc5c5\ub3c4 \ud3ec\ud568\ub418\uc5b4, \ud5a5\ud6c4 AMLA\uac00 \uc774\ub97c \uc9c1\uc811 \uc6b4\uc601\ud560 \uc218 \uc788\ub3c4\ub85d \uae30\ubc18\uc744 \ub9c8\ub828\ud568.<\/p>\n

\uc544\uc6b8\ub7ec EBA\ub294 \uae08\uc735\uae30\uad00\uc758 \ud589\uc815 \ubd80\ub2f4\uc744 \uc644\ud654\ud558\ub294 \ubc29\uc548\uc744 \ud568\uaed8 \uc81c\uc2dc\ud568. EBA\ub294 “\ub9ac\uc2a4\ud06c \ud3c9\uac00 \uc2dc \uac10\ub3c5\ub2f9\uad6d\uc5d0 \uc81c\ucd9c\ud574\uc57c \ud558\ub294 \uc138\ubd80 \ud56d\ubaa9\uc758 \uc218\ub97c \uc57d 15% \uc904\uc600\ub2e4”\uace0 \ubc1d\ud788\uba70, \uacb0\uacfc\uc801\uc73c\ub85c \ub300\ubd80\ubd84\uc758 \uae30\uad00\uc774 100~150\uac1c \uc815\ub3c4\uc758 \ub370\uc774\ud130\ub9cc \uc81c\ucd9c\ud558\uba74 \ub41c\ub2e4\uace0 \uc124\uba85\ud568. \uc774\ub294 \ud68c\uc6d0\uad6d\ubcc4\ub85c \uc911\ubcf5\ub418\uace0 \uacfc\ub3c4\ud588\ub358 \ubcf4\uace0 \uccb4\uacc4\ub97c \uac04\uc18c\ud654\ud558\uae30 \uc704\ud55c \uc870\uce58\uc784.<\/p>\n

EBA\ub294 \ub3d9\uc77c\ud55c \ub370\uc774\ud130\uac00 \uac10\ub3c5\ub2f9\uad6d\uc758 \uae30\uad00\ubcc4 \ub9ac\uc2a4\ud06c \ud3c9\uac00\uc640 AMLA\uc758 \uac10\ub3c5\uae30\uad00 \uc120\uc815 \ud3c9\uac00 \ubaa8\ub450\uc5d0 \ud65c\uc6a9\ub420 \uc218 \uc788\ub3c4\ub85d \ud558\ub294 \ubc29\uc548\ub3c4 \uc81c\uc548\ud568. \uc989, \uae08\uc735\uae30\uad00\uc774 \ub2e8 \ud55c \ubc88\uc758 \ub370\uc774\ud130\ub97c \uc81c\ucd9c\ud558\uba74 \ub450 \ud3c9\uac00 \ubaa8\ub450\uc5d0 \uacf5\ud1b5\uc73c\ub85c \uc0ac\uc6a9\ub418\ub3c4\ub85d \ud568\uc73c\ub85c\uc368, \uc911\ubcf5 \ubcf4\uace0\ub97c \uc5c6\uc560\uace0 \ub370\uc774\ud130 \uc77c\uad00\uc131\uc744 \ub192\uc774\ub824\ub294 \ubaa9\uc801\uc784.<\/p>\n

EBA\ub294 \uc624\ub294 2025\ub144 12\uc6d4 31\uc77c\uae4c\uc9c0 \uc790\uae08\uc138\ud0c1\ubc29\uc9c0 \uad00\ub828 \ubc95\uc801 \uad8c\ud55c\uc744 AMLA\uc5d0 \uc774\uad00\ud560 \uc608\uc815\uc774\uace0, \uc774\ud6c4\uc5d0\ub294 \uac74\uc804\uc131 \uac10\ub3c5(prudential supervision) \uad00\uc810\uc5d0\uc11c AMLA\uc640 \ud611\ub825\ud560 \uacc4\ud68d\uc784.<\/p>\n

<\uc2dc\uc0ac\uc810><\/strong>
\nEBA\uc758 \uc774\ubc88 \uad8c\uace0\ub294 \uc720\ub7fd AML \uccb4\uc81c\uc758 \uad6c\uc870\uc801 \uc804\ud658\uc774 \ubcf8\uaca9\ud654\ub418\uace0 \uc788\uc74c\uc744 \ubcf4\uc5ec\uc90c. \ud2b9\ud788 \ub370\uc774\ud130 \uae30\ubc18 \ub9ac\uc2a4\ud06c \ud3c9\uac00\uc758 \ud6a8\uc728\ud654\uc640 \uc911\ubcf5 \ubcf4\uace0 \ud574\uc18c\ub294 \uae08\uc735\uae30\uad00\uc758 \uc2e4\ubb34 \ubd80\ub2f4\uc744 \uc904\uc774\ub294 \ub3d9\uc2dc\uc5d0 \uac10\ub3c5 \ud488\uc9c8\uc744 \ub192\uc774\ub294 \uc870\uce58\ub85c \ud3c9\uac00\ub428. AMLA \ucd9c\ubc94 \uc774\ud6c4 EU \ub0b4 \uc790\uae08\uc138\ud0c1\ubc29\uc9c0 \uccb4\uacc4\ub294 \ub2e8\uc77c \uae30\uc900\uacfc \ub370\uc774\ud130 \uc911\uc2ec\uc758 \uac10\ub3c5 \uccb4\uc81c\ub85c \ud1b5\ud569\ub420 \uc804\ub9dd\uc784. \uc774\ub294 \ud68c\uc6d0\uad6d \uac04 \uac10\ub3c5 \uaca9\ucc28\ub97c \uc904\uc774\uace0, \uad6d\uc81c \uc790\uae08\uc138\ud0c1 \ub300\uc751\uc5d0\uc11c \uc720\ub7fd\uc758 \uc804\ub7b5\uc801 \uc601\ud5a5\ub825\uc744 \uac15\ud654\ud558\ub294 \uacc4\uae30\uac00 \ub420 \uac83\uc73c\ub85c \ubcf4\uc784.<\/p>\n","protected":false},"excerpt":{"rendered":"

| \ub9ac\uc2a4\ud06c \ud3c9\uac00 \uc758\ubb34 \uc81c\ucd9c \ub370\uc774\ud130 15% \uac10\ucd95 | AMLA \ud3c9\uac00\uc640\uc758 \ub370\uc774\ud130 \uc911\ubcf5\u00b7\ud589\uc815 \ubd80\ub2f4 \ud574\uc18c <\uac1c\uc694> \uc720\ub7fd\uc740\ud589\uac10\ub3c5\uccad(EBA)\uc740 \uc9c0\ub09c\ub2ec 30\uc77c(\ud604\uc9c0\uc2dc\uac01), \uc720\ub7fd\uc5f0\ud569 \uc9d1\ud589\uc704\uc6d0\ud68c\uc758 \uc694\uccad\uc5d0 \ub530\ub77c \uc0c8\ub85c\uc6b4 \uc790\uae08\uc138\ud0c1\ubc29\uc9c0\u00b7\ud14c\ub7ec\uc790\uae08\uc870\ub2ec\ubc29\uc9c0(AML\/CFT) \uccb4\uc81c \uad6c\ucd95\uc744 \uc704\ud55c \uc790\ubb38\uc744 \uc81c\ucd9c\ud574, AML \ub9ac\uc2a4\ud06c \ud3c9\uac00 \uc11c\ub958 \uc791\uc5c5\uc744 \ub300\ud3ed \uc904\uc774\ub294 \ubc29\uc548\uc744 \uc81c\uc548\ud568. \uc774\ubc88 \uad8c\uace0\ub294 \uc624\ub294 2026\ub144 \ucd9c\ubc94 \uc608\uc815\uc778 \uc720\ub7fd \uc790\uae08\uc138\ud0c1\ubc29\uc9c0\uccad(AMLA)\uc758 \uac10\ub3c5\uccb4\uacc4 \ub9c8\ub828\uc744 \uc704\ud55c \uae30\ubc18 \uc791\uc5c5\uc73c\ub85c, \ub9ac\uc2a4\ud06c \ud3c9\uac00 \uc808\ucc28 […]<\/p>\n","protected":false},"author":24,"featured_media":591,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[719,851,123,36],"class_list":{"0":"post-44093","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-money-laundering","8":"tag-aml","9":"tag-amla","10":"tag-eu","11":"tag-36"},"yoast_head":"\nEBA, \uc720\ub7fd \uc790\uae08\uc138\ud0c1\ubc29\uc9c0\uccad \ucd9c\ubc94 \uc55e\uc11c AML \ubd80\ub2f4 15% \uc904\uc774\ub294 \ubc29\uc548 \uc81c\ucd9c SanctionLab<\/title>\n<meta name=\"description\" content=\"\uc720\ub7fd\uc740\ud589\uac10\ub3c5\uccad(EBA)\uc740 \uc9c0\ub09c\ub2ec 30\uc77c(\ud604\uc9c0\uc2dc\uac01), \uc720\ub7fd\uc5f0\ud569 \uc9d1\ud589\uc704\uc6d0\ud68c\uc758 \uc694\uccad\uc5d0 \ub530\ub77c \uc0c8\ub85c\uc6b4 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