{"id":60846,"date":"2026-05-12T16:46:27","date_gmt":"2026-05-12T07:46:27","guid":{"rendered":"https:\/\/www.sanctionlab.com\/?p=60846"},"modified":"2026-05-14T10:32:46","modified_gmt":"2026-05-14T01:32:46","slug":"%ea%b5%ad%eb%82%b4-aml%c2%b7kyc-%ea%b8%80%eb%a1%9c%eb%b2%8c%c2%b7%ed%98%84%ec%8b%a4%ec%a0%81-%ea%b8%b0%ec%a4%80-%eb%a7%9e%ec%b6%b0-%ec%a0%95%eb%b9%84-%ed%95%84%ec%9a%94","status":"publish","type":"post","link":"https:\/\/www.sanctionlab.com\/?p=60846","title":{"rendered":"“\uad6d\ub0b4 AML\u00b7KYC, \uae00\ub85c\ubc8c\u00b7\ud604\uc2e4\uc801 \uae30\uc900 \ub9de\ucdb0 \uc815\ube44 \ud544\uc694”"},"content":{"rendered":"

|\ubbf8\uad6d \uc7ac\ubb34\ubd80 \uc0b0\ud558 \uae30\uad00 \uaddc\uc81c \uad6c\uccb4\ud654, \ud2b9\uae08\ubc95 \uac1c\uc815\uc548 \uc5ec\ud30c \uc6b0\ub824<\/h3>\n

\uad6d\ub0b4 \uc790\uae08\uc138\ud0c1\ubc29\uc9c0(AML)\uc640 \uace0\uac1d\ud655\uc778(KYC) \uc81c\ub3c4\uac00 \uae00\ub85c\ubc8c \uc2dc\uc7a5 \uc0c1\ud669\uacfc \uc2dc\uc7a5 \uc5ec\uac74\uc744 \uace0\ub824\ud55c \ud604\uc2e4\uc801\uc778 \uae30\uc900\uc5d0 \ub9de\ucdb0 \uc7ac\uc815\ube44\ub3fc\uc57c \ud55c\ub2e4\ub294 \uc9c0\uc801\uc774 \ub098\uc654\ub2e4. \ubbf8\uad6d\uc740 \uc9c0\ub2c8\uc5b4\uc2a4 \uc561\ud2b8 \ubc1c\ud6a8 \uc774\ud6c4 \uc7ac\ubb34\ubd80 \uae08\uc735\ubc94\uc8c4\ub2e8\uc18d\ub124\ud2b8\uc6cc\ud06c(FinCEN, \ud540\uc13c)\uc640 \ud574\uc678\uc790\uc0b0\ud1b5\uc81c\uad6d(OFAC, \uc624\ud329)\uc73c\ub85c AML, KYC \uaddc\uc81c\ub97c \uad6c\uccb4\ud654 \uc911\uc73c\ub85c \uad6d\ub0b4 \uc5c5\uacc4\uc640 \ubc95\uc81c\ub3c4 \uc774\uc5d0 \ub300\uc751\ud574\uc57c \ud558\ub294 \uc0c1\ud669\uc774\ub2e4.<\/p>\n

\ubbf8\uad6d \uaddc\uc81c\uc5d0 \ub300\ud55c \ub300\uc751 \uc678\uc5d0\ub3c4 \ub0b4\ub144 \uc2dc\ud589 \uc608\uc815\uc778 \ud2b9\uc815\uae08\uc735\uc815\ubcf4\ubc95(\ud2b9\uae08\ubc95) \uac1c\uc815\uc548\uc5d0 \ub300\ud55c \uc6b0\ub824\ub3c4 \uc81c\uae30\ub41c\ub2e4. 1000\ub9cc\uc6d0 \uc774\uc0c1 \uac70\ub798 \uc2dc \uc790\ub3d9 \uc758\uc2ec\uac70\ub798\ubcf4\uace0(STR)\ub97c \uac15\uc81c\ud558\ub294 \uc870\ud56d\uc774 \uac1c\uc815\uc548\uc5d0 \ud3ec\ud568\ub418\uba74\uc11c \uac70\ub798 \ubd88\ud3b8\uacfc \uac70\ub798\uc18c \ube44\uc6a9 \ubd80\ub2f4, STR \uc815\ubc00\uc131 \uac10\uc18c \ub4f1\uc774 \uc608\uc0c1\ub41c\ub2e4\ub294 \uac83\uc774\ub2e4.<\/p>\n

\u25c7PPSI \uae08\uc735\uae30\uad00 \uc9c0\uc815, \uad6d\ub0b4 \uc0ac\uc5c5\uc790 \ud604\uc9c0 \uc758\ubb34 \uc900\uc218 \ub4f1 \uc11c\ud3ec\ud2b8 \uace0\ubbfc \ud544\uc694<\/strong><\/p>\n

12\uc77c \ubbfc\ubcd1\ub355 \ub354\ubd88\uc5b4\ubbfc\uc8fc\ub2f9 \uc758\uc6d0\uc2e4 \ub4f1\uc740 \uad6d\ud68c\uc758\uc6d0\ud68c\uad00\uc5d0\uc11c ‘\ubbf8\uad6d\uc758 \uc2a4\ud14c\uc774\ube14\ucf54\uc778 AML \uaddc\uc728\uccb4\uacc4\uc640 \ud55c\uad6d \ud2b9\uc815\uae08\uc735\uc815\ubcf4\ubc95 \uc815\ube44 \uacfc\uc81c’\ub77c\ub294 \uc8fc\uc81c\ub85c \uc138\ubbf8\ub098\ub97c \uac1c\ucd5c\ud588\ub2e4. \uae40\uc885\uc2b9 \ub514\uc9c0\ud138\uc790\uc0b0 \uc815\ucc45 \uc2f1\ud06c\ud0f1\ud06c MRI \ub300\ud45c\uc640 \ud55c\uc11c\ud76c \ubc95\ubb34\ubc95\uc778 \uad11\uc7a5 \ubcc0\ud638\uc0ac, \uae40\uc601\uc11d \ubcf4\ub09c\uc790\ud329\ud1a0\ub9ac \ub300\ud45c \ub4f1\uc774 \ucc38\uc5ec\ud588\ub2e4.<\/p>\n

\uc774\ub0a0 \ubc1c\ud45c\ub97c \uc9c4\ud589\ud55c \uae40 \ub300\ud45c\ub294 \ucd5c\uadfc \ud540\uc13c\uacfc \uc624\ud329\uc5d0\uc11c \ubc1c\ud45c\ud55c \ud569\ub3d9 \uaddc\uce59\uc81c\uc815 \uc608\uace0\uc548(NRPM)\uc758 \uad6c\uc870\uc640 \uc815\ucc45\uc801 \ud568\uc758\ub97c \ubd84\uc11d\ud588\ub2e4. NRPM\uc740 \uc9c0\ub09c\ud574 9\uc6d4 \ud540\uc13c\uc5d0\uc11c \uc0ac\uc804 \ubc1c\ud589\ub410\uace0 \uc774\uc5b4 \uc740\ud589 \ubc0f \uc2a4\ud14c\uc774\ube14\ucf54\uc778 \ubc1c\ud589\uc790 \ub4f1 \uc5c5\uacc4 \ub0b4 450\uac74\uc758 \uc758\uacac \uc218\ub834\uc744 \uac70\uccd0 \uc62c\ud574 4\uc6d4 \ubcf8\uaca9\uc801\uc778 \ub0b4\uc6a9\uc774 \uac8c\uc7ac\ub410\ub2e4.<\/p>\n

NRPM\uc758 \uc8fc\uc694 \ub0b4\uc6a9\uc740 1,2\ucc28 \uc2dc\uc7a5 \ud615\ud0dc\ub85c \uad00\ub828 \uc0ac\uc5c5\uc790\ub97c \uad6c\ubd84\ud55c \uac83\uacfc \ubbf8\uad6d \ub0b4 \uacf5\uc2dd \uc778\uac00\ub97c \ubc1b\uc740 \uc0ac\uc5c5\uc790\ub97c \ub73b\ud558\ub294 \uacb0\uc81c\uc2a4\ud14c\uc774\ube14\ucf54\uc778\ubc1c\ud589\uc790(PPSI) \uc9c0\uc704\ub97c \uae08\uc735\uae30\uad00\uc73c\ub85c \uba85\ubb38\ud654\ud55c \uac83\uc774\ub2e4. \uc774\uc640 \ub354\ubd88\uc5b4 \uc774\uc0c1\uac70\ub798\uc5d0 \ub300\ud55c \ucc28\ub2e8\uacfc \ub3d9\uacb0, \uac70\ubd80 \uae30\uc220 \ub2a5\ub825\uc5d0 \ub300\ud55c \uad6c\uccb4\uc801\uc778 \ucc45\uc784\uc774\ub098 \uc758\ubb34 \ub4f1\ub3c4 \uad6c\uccb4\ud654\ub410\ub2e4.<\/p>\n

\"\"<\/div>\n

\uae40 \ub300\ud45c\ub294 “PPSI\ub294 NRPM\uc5d0 \ub530\ub974\uba74 BSA\uc758 \uae08\uc735\uae30\uad00 \uc9c0\uc704\ub97c \uac00\uc9c0\uac8c \ub41c\ub2e4. \uc774\uc804\uc5d0\ub294 \uc1a1\uae08\uc5c5\uc790(MSB)\ub85c \uc815\uc758\ub410\uc9c0\ub9cc \uc774\uc81c\ub294 \ubcc4\ub3c4 \uae08\uc735\uae30\uad00 \uc720\ud615\uc73c\ub85c \ubd84\ub958\ub410\uace0 \uae30\uc874 MSB \uc815\uc758\uc5d0\uc120 PPSI\ub97c \uba85\uc2dc\uc801\uc73c\ub85c \uc81c\uc678\ud588\ub2e4”\uba70 “PPSI\ub294 NRPM \uc0c1 \uac70\ub798 \uc704\ubc95\uc131\uc744 \ub3c5\ub9bd\uc801\uc73c\ub85c \ud310\ub2e8\ud560 \uc758\ubb34\ub294 \uc5c6\uc9c0\ub9cc \uc704\ubc18 \uc0ac\uc2e4\uc744 \uc54c\uc9c0 \ubabb\ud574\ub3c4 \ubbfc\uc0ac\uc0c1 \ucc45\uc784\uc744 \ubd80\uacfc\ubc1b\uc744 \uc218 \uc788\ub2e4”\uace0 \uc124\uba85\ud588\ub2e4.<\/p>\n

\ud540\uc13c\uacfc \uc624\ud329\uc758 NRPM\uc73c\ub85c \uc778\ud574 \ubbf8\uad6d\ub0b4 AML, KYC \uaddc\uc81c \uccb4\uacc4\uac00 \uc810\ucc28 \uace0\ub3c4\ud654\ub418\uba74\uc11c \uad6d\ub0b4 \uc6d0\ud654 \uc2a4\ud14c\uc774\ube14\ucf54\uc778 \ubc1c\ud589\uc0ac, \uc815\ucc45 \ub2f9\uad6d \uc5ed\uc2dc \uc900\ube44\ud560 \uc0ac\ud56d\uc774 \ub9ce\uc544\uc84c\ub2e4. \ubbf8\uad6d \ub0b4 \uac70\ub798\uc18c\uc5d0 \uc6d0\ud654 \uc2a4\ud14c\uc774\ube14\ucf54\uc778\uc744 \uc0c1\uc7a5\uc2dc\ud0a4\ub824\uba74 \ud604\uc9c0 AML \ub4f1\uc744 \ucda9\uc871\ud574\uc57c \ud55c\ub2e4. \uad6d\ub0b4 AML \uae30\uc900\uc73c\ub85c\ub294 \uc774\ub97c \ucda9\uc871\ud558\uae30 \uc5b4\ub824\uc6b8 \uac83\uc73c\ub85c \ubcf4\uc774\ub294 \ub9cc\ud07c \uc815\ud569\uc131 \ud655\ubcf4\ub97c \uc704\ud55c \ub178\ub825\uc774 \uc694\uad6c\ub41c\ub2e4.<\/p>\n

\uae40 \ub300\ud45c\ub294 “\uc6d0\ud654 \uc2a4\ud14c\uc774\ube14\ucf54\uc778\uc758 \uc900\ube44\uc790\uc0b0\uc740 \uc6d0\ud654\uc778\ub370 \ubbf8\uad6d PPSI\uc758 \uc900\ube44\uc790\uc0b0\uc740 \uae30\ubcf8\uc801\uc73c\ub85c \ub2ec\ub7ec\ub2e4”\ub77c\uba70 “\uc9c0\ub2c8\uc5b4\uc2a4 \uc561\ud2b8\uc0c1 \ube44 \ub2ec\ub7ec \uc900\ube44\uc790\uc0b0\uc5d0 \ub300\ud55c \uae08\uc9c0 \uc870\ud56d\uc740 \uc5c6\uc9c0\ub9cc \uc720\ub3d9\uc131 \uc774\uc288 \ub4f1\uc774 \ubc1c\uc0dd\ud560 \uc218 \uc788\uae30\uc5d0 \uc774\ub7f0 \uc810\uc5d0 \ub300\ud574 \ud55c\ubbf8 \uc591\uad6d \uac04 \uacf5\uc720\ud558\ub294 \uccb4\uacc4\ub4e4\uc774 \ub9cc\ub4e4\uc5b4\uc838\uc57c \ud55c\ub2e4”\uace0 \uc774\uc57c\uae30\ud588\ub2e4.<\/p>\n

\uc774\uc5b4 “NRPM\uc5d0 \ub300\ud55c \uc601\ud5a5\uc744 \uad6d\ub0b4 \uc0ac\uc5c5\uc790\uc5d0\uac8c \ubaa8\ub2c8\ud130\ub9c1\ud558\uace0 \uc774\uc5d0 \ub530\ub978 \uad6d\ub0b4 \ucc28\uc6d0\uc758 \uc704\ud5d8\ud3c9\uac00, \uad6d\ub0b4 \uc0ac\uc5c5\uc790\uc758 \uc900\uc218\ub97c \uc704\ud55c \uc815\ubd80\uc758 \uc11c\ud3ec\ud2b8 \ubc29\ud5a5 \ub4f1\ub3c4 \uace0\ubbfc\ud560 \ub2e8\uacc4”\ub77c\uace0 \ub367\ubd99\uc600\ub2e4.<\/p>\n

\u25c7\uacfc\ub3c4\ud55c \uc790\ub3d9 STR, \uc0ac\ud68c\uc801 \ube44\uc6a9 \uc99d\uac00\u00b7\ubd84\uc11d \uc815\ubc00\ub3c4 \uc190\uc0c1\ub9cc \uc57c\uae30<\/strong><\/p>\n

\uad6d\ub0b4 \ub514\uc9c0\ud138\uc790\uc0b0 \uc5c5\uacc4\ub294 \ub0b4\ub144 1\uc6d4 1\uc77c \ud2b9\uae08\ubc95 \uac1c\uc815\uc548\uc73c\ub85c \uc778\ud55c \uc5ec\ud30c\uc5d0 \uc9c1\uba74\ud574 \uc788\ub2e4. \ud2b9\uae08\ubc95 \uac1c\uc815\uc548\uc758 \uc8fc\uc694 \ub0b4\uc6a9 \uc911 \ud558\ub098\ub294 \ud2b8\ub808\ube14\ub8f0 \uae30\uc900\uae08\uc561 100\ub9cc\uc6d0 \ud3d0\uc9c0\uc640 \uc678\uad6d \uac00\uc0c1\uc790\uc0b0 \uc0ac\uc5c5\uc790\uc5d0 \ub300\ud55c \ud3c9\uac00 \ubc0f \uac70\ub798\uc81c\ud55c \uc870\ud56d, 1000\ub9cc\uc6d0 \uc774\uc0c1 \uac70\ub798\uc2dc \uc790\ub3d9 STR \uc801\uc6a9 \ub4f1\uc774\ub2e4.<\/p>\n

\ud2b9\uae08\ubc95 \uac1c\uc815\uc548 \uad00\ub828 \ubc1c\ud45c\ub97c \uc9c4\ud589\ud55c \ud55c \ubcc0\ud638\uc0ac\ub294 \uac00\uc7a5 \uc7ac\uace0\uac00 \ud544\uc694\ud55c \ub0b4\uc6a9\uc73c\ub85c \uc790\ub3d9 STR \uc801\uc6a9 \uc870\ud56d\uc744 \uaf3d\uc558\ub2e4. \ud604\uc7ac \ud2b9\uae08\ubc95 \uac1c\uc815\uc548\uc744 \uae30\uc900\uc73c\ub85c \uc8fc\uc694 \uae00\ub85c\ubc8c \uc2dc\uc7a5\uc5d0\uc11c \uc790\ub3d9 STR\uc744 \ubc95\ub960\ud654\ud55c \uad6d\uac00\ub294 \ud55c\uad6d\ubfd0\uc774\ub2e4.<\/p>\n

\uc55e\uc120 \uc870\ud56d\uc740 1000\ub9cc\uc6d0 \uc774\uc0c1 \uac70\ub798 \uc2dc \uc815\uc0c1\uc801\uc778 \uac70\ub798\ub77c\ub3c4 \uae08\uc561\uae30\uc900\ub9cc\uc73c\ub85c \uc790\ub3d9\uc73c\ub85c \uc758\uc2ec\uac70\ub798\uc790\ub85c \ubd84\ub958\ud55c\ub2e4. \uc774\uc5d0 \uad6d\ub0b4 \ud22c\uc790\uc790\ub294 \ub514\uc9c0\ud138\uc790\uc0b0 \uac70\ub798 \uc2dc \ub9c9\ub300\ud55c \ube44\uc6a9\uacfc \uc2dc\uac04\uc744 \uac10\uc218\ud558\ub294 \uc0c1\ud669\uc744 \uacaa\uac8c \ub41c\ub2e4. \uac70\ub798\uc18c \ub4f1 \uc5c5\uacc4\uc758 \ub9c9\ub300\ud55c \ube44\uc6a9 \ubd80\ub2f4 \ub4f1\ub3c4 \uc608\uc0c1\ub41c\ub2e4.<\/p>\n

\ubb38\uc81c\uc758 \uc8fc\ub41c \ubc30\uacbd\uc740 STR\uc774 \uae30\ubcf8\uc801\uc73c\ub85c \ub9ce\uc740 \uc2dc\uac04\uc744 \uc18c\uc694\ud55c\ub2e4\ub294 \uc810\uc774\ub2e4. \uc774\ub97c \ud68c\ud53c\ud558\ub824\uba74 1000\ub9cc\uc6d0 \ubbf8\ub9cc\uc73c\ub85c \ucabc\uac1c \ub2e4\ud68c\ub85c \ubd84\ud560 \uc1a1\uae08 \ud574\uc57c \ud558\ub294 \ubd88\ud3b8\ud568\uacfc \uc2dc\uac04 \uc18c\uc694\uac00 \ubc1c\uc0dd\ud55c\ub2e4. \ubc18\uba74 STR\uc744 \uac10\uc218\ud558\uba74 \uc7a5\uc2dc\uac04 \ub300\uae30\ub85c \uc778\ud574 24\uc2dc\uac04 \uac70\ub798\uac00 \uc774\ub904\uc9c0\ub294 \ub514\uc9c0\ud138\uc790\uc0b0 \ud22c\uc790\uc5d0 \ub300\ud55c \uc720\uc778\uc774 \ud06c\uac8c \ud6fc\uc190\ub41c\ub2e4.<\/p>\n

\uac70\ub798\uc18c\uc758 \uacbd\uc6b0 \ud2b9\uae08\ubc95 \uac1c\uc815\uc548 \uc2dc\ud589 \uc774\ud6c4 \uad00\ub828 \uc870\ud56d\uc73c\ub85c \uc778\ud574 \ubd80\ub2f4\ud558\ub294 STR \ucc98\ub9ac \uac74\uc218\uac00 \ud06c\uac8c \ub298\uc5b4\ub098\ub294 \uac83\uc774 \ud655\uc815\uc801\uc774\ub2e4. \ud55c \ubcc0\ud638\uc0ac\ub294 \ud604\uc7ac \ub300\ube44 80\ubc30 \uc774\uc0c1, \uc5f0\uac04 500\ub9cc\uac74\uc73c\ub85c \ud3ed\uc99d\ud560 \uac83\uc774\ub780 \ucd94\uc815\uce58\ub97c \uc81c\uc2dc\ud558\uba70 \uc778\ub825 \ubc0f \ube44\uc6a9\uc758 \ubb38\uc81c\uc640 \ub354\ubd88\uc5b4 \ubd84\uc11d \uc815\ubc00\ub3c4 \ud558\ub77d\uc73c\ub85c \uc778\ud55c STR \ubcf8\ub798 \uc758\uc758 \ud6fc\uc190\uc5d0 \ub300\ud55c \uc6b0\ub824\ub3c4 \ub0b4\ub1a8\ub2e4.<\/p>\n

\ud55c \ubcc0\ud638\uc0ac\ub294 “\uc774\uc6a9\uc790\ub4e4\uc774 \ud55c\uad6d \uc2dc\uc7a5\uc744 \uc2e0\ub8b0\ud558\uc9c0 \uc54a\uac8c \ub418\uba74\uc11c \uc785\ubc95\uc608\uace0\uc640 \uac1c\uc815\uc548 \uc2dc\ud589 \uc804\ud6c4\ub85c \uad6d\ub0b4 \ub514\uc9c0\ud138\uc790\uc0b0 \uc774\uc8fc\uc640 \ud574\uc678 \uc774\uc804\uc774 \ubc1c\uc0dd\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub41c\ub2e4”\uba70 “\uad6d\ub0b4 \ub514\uc9c0\ud138\uc790\uc0b0 \uac70\ub798\uc18c\ub97c \uac70\uccd0\uc654\ub358 \ub514\uc9c0\ud138\uc790\uc0b0\uc774 \ud574\uc678 \uc720\ucd9c\ub420 \uacbd\uc6b0 \uac70\uc810 \uc0c1\uc2e4\ub85c \uc778\ud574 \uacfc\uc138, \uc790\uae08\uc138\ud0c1 \ud1b5\uc81c\uc5d0 \ud544\uc694\ud55c \uac70\ub798 \uae30\ub85d \ub4f1 \uc790\ub8cc\ub97c \ud655\ubcf4\ud558\uae30 \uc5b4\ub824\uc6cc\uc9c8 \uac83”\uc774\ub77c\uace0 \uc124\uba85\ud588\ub2e4.<\/p>\n

\uc774\uc5b4 “\uc790\ub3d9 STR\uc740 \uc6b4\uc601 \uc778\ub825 \ube44\uc6a9\uc774\ub098 \uac00\uc2a4\ube44 \ub4f1\uc758 \uc99d\uac00\ub85c \uc778\ud55c \uc0ac\ud68c\uc801 \ube44\uc6a9 \ud655\ub300\ub77c\ub294 \uc6b0\ub824\ub3c4 \uc874\uc7ac\ud55c\ub2e4”\uba70 “\uace0 \ub367\ubd99\uc600\ub2e4.<\/p>\n

\/ \uc774\ubbfc\uc6b0 \ub354\ubca8 \uae30\uc790<\/p>\n","protected":false},"excerpt":{"rendered":"

|\ubbf8\uad6d \uc7ac\ubb34\ubd80 \uc0b0\ud558 \uae30\uad00 \uaddc\uc81c \uad6c\uccb4\ud654, \ud2b9\uae08\ubc95 \uac1c\uc815\uc548 \uc5ec\ud30c \uc6b0\ub824 \uad6d\ub0b4 \uc790\uae08\uc138\ud0c1\ubc29\uc9c0(AML)\uc640 \uace0\uac1d\ud655\uc778(KYC) \uc81c\ub3c4\uac00 \uae00\ub85c\ubc8c \uc2dc\uc7a5 \uc0c1\ud669\uacfc \uc2dc\uc7a5 \uc5ec\uac74\uc744 \uace0\ub824\ud55c \ud604\uc2e4\uc801\uc778 \uae30\uc900\uc5d0 \ub9de\ucdb0 \uc7ac\uc815\ube44\ub3fc\uc57c \ud55c\ub2e4\ub294 \uc9c0\uc801\uc774 \ub098\uc654\ub2e4. \ubbf8\uad6d\uc740 \uc9c0\ub2c8\uc5b4\uc2a4 \uc561\ud2b8 \ubc1c\ud6a8 \uc774\ud6c4 \uc7ac\ubb34\ubd80 \uae08\uc735\ubc94\uc8c4\ub2e8\uc18d\ub124\ud2b8\uc6cc\ud06c(FinCEN, \ud540\uc13c)\uc640 \ud574\uc678\uc790\uc0b0\ud1b5\uc81c\uad6d(OFAC, \uc624\ud329)\uc73c\ub85c AML, KYC \uaddc\uc81c\ub97c \uad6c\uccb4\ud654 \uc911\uc73c\ub85c \uad6d\ub0b4 \uc5c5\uacc4\uc640 \ubc95\uc81c\ub3c4 \uc774\uc5d0 \ub300\uc751\ud574\uc57c \ud558\ub294 \uc0c1\ud669\uc774\ub2e4. \ubbf8\uad6d 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