{"id":578,"date":"2025-12-19T07:57:00","date_gmt":"2025-12-18T23:57:00","guid":{"rendered":"https:\/\/goodmorning-economy.com\/?p=578"},"modified":"2025-12-15T20:01:25","modified_gmt":"2025-12-15T12:01:25","slug":"%ec%96%bc%eb%a7%88%eb%a5%bc-%ec%a0%80%ec%b6%95%ed%95%b4%ec%95%bc-%ed%95%a0%ea%b9%8c-%eb%82%b4-%ec%86%8c%eb%93%9d%ec%97%90-%eb%a7%9e%eb%8a%94-%ed%98%84%ec%8b%a4%ec%a0%81%ec%9d%b8-%ea%b8%b0%ec%a4%80","status":"publish","type":"post","link":"https:\/\/goodmorning-economy.com\/?p=578","title":{"rendered":"\uc5bc\ub9c8\ub97c \uc800\ucd95\ud574\uc57c \ud560\uae4c? \ub0b4 \uc18c\ub4dd\uc5d0 \ub9de\ub294 \ud604\uc2e4\uc801\uc778 \uae30\uc900 \ucc3e\uae30"},"content":{"rendered":"\n

\uac1c\uc778\uc758 \uc7ac\uc815 \uc548\uc815\uc131\uc744 \uc720\uc9c0\ud558\uace0 \ubbf8\ub798\uc758 \ubaa9\ud45c\ub97c \uc774\ub8e8\uae30 \uc704\ud574 \uc800\ucd95\uc740 \ud544\uc218\uc801\uc774\ub2e4. \uadf8\ub7ec\ub098 \uc2e4\uc81c\ub85c \uc6d4 \uc18c\ub4dd \uc911 \uc5b4\ub290 \uc815\ub3c4\ub97c \uc800\ucd95\ud574\uc57c \ud558\ub294\uc9c0, \uc5b4\ub5a4 \uae30\uc900\uc73c\ub85c \ube44\uc728\uc744 \uc815\ud574\uc57c \ud558\ub294\uc9c0 \uace0\ubbfc\ud558\ub294 \uc0ac\ub78c\uc774 \ub9ce\ub2e4. \uacbd\uc81c\uc801 \uc0c1\ud669\uc740 \uc0ac\ub78c\ub9c8\ub2e4 \ub2e4\ub974\uae30 \ub54c\ubb38\uc5d0 \uc815\ub2f5\uc740 \uc5c6\uc9c0\ub9cc, \uba87 \uac00\uc9c0 \uc2e4\uc6a9\uc801\uc778 \uc6d0\uce59\uacfc \uae30\uc900\uc744 \uc801\uc6a9\ud558\uba74 \uc790\uc2e0\uc5d0\uac8c \uc801\ud569\ud55c \uc800\ucd95 \uc804\ub7b5\uc744 \uc138\uc6b0\uae30 \ud6e8\uc52c \uc26c\uc6cc\uc9c4\ub2e4. \uc774 \uae00\uc5d0\uc11c\ub294 \uae30\ubcf8\uc801\uc778 \uc800\ucd95 \uaddc\uce59\ubd80\ud130 \uc9c0\ucd9c \uad00\ub9ac, \ud604\uba85\ud55c \uc18c\ube44 \uc804\ub7b5, \uadf8\ub9ac\uace0 \uac1c\uc778 \uc0c1\ud669\uc5d0 \ub530\ub77c \uc870\uc815\ud560 \uc218 \uc788\ub294 \ubc29\ubc95\uae4c\uc9c0 \ub2e4\ub904\ubcf4\uace0\uc790 \ud55c\ub2e4.<\/p>\n\n\n\n

\ub3c8\uc744 \ud604\uba85\ud558\uac8c \uc4f0\ub294 \ubc95 \ubc30\uc6b0\uae30<\/strong><\/h2>\n\n\n\n

\uc800\ucd95 \ube44\uc728\uc744 \uc815\ud558\ub294 \uac83\ub9cc\ud07c \uc911\uc694\ud55c \uac83\uc740 \uc9c0\ucd9c\uc744 \uc5b4\ub5bb\uac8c \uad00\ub9ac\ud558\ub290\ub0d0\uc774\ub2e4. \uac19\uc740 \uc18c\ub4dd\uc744 \ubc8c\ub354\ub77c\ub3c4 \uc9c0\ucd9c \uad00\ub9ac\uc5d0 \ub530\ub77c \uc800\ucd95\ud560 \uc218 \uc788\ub294 \uae08\uc561\uc740 \ud06c\uac8c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uae30 \ub54c\ubb38\uc774\ub2e4. \uc9c0\ucd9c\uc744 \uc798 \ud1b5\uc81c\ud558\uc9c0 \ubabb\ud558\uba74 \uc800\ucd95 \ube44\uc728\uc744 \uc544\ubb34\ub9ac \ub192\uac8c \uacc4\ud68d\ud574\ub3c4 \uc2e4\ucc9c\ud558\uae30 \uc5b4\ub835\ub2e4. \ub530\ub77c\uc11c \u2018\ub3c8\uc744 \uc798 \uc4f0\ub294 \ubc95\u2019\uc744 \uc774\ud574\ud558\uace0 \uc774\ub97c \uc0dd\ud65c \uc18d\uc5d0\uc11c \uc2e4\ucc9c\ud558\ub294 \uac83\uc774 \uc7a5\uae30\uc801\uc778 \uc7ac\uc815 \uc548\uc815\uc758 \ud575\uc2ec\uc774\ub2e4.<\/p>\n\n\n\n

\uccab \ubc88\uc9f8 \ub2e8\uacc4\ub294 \uc9c0\ucd9c\uc744 \uad6c\uc870\uc801\uc73c\ub85c \uc774\ud574\ud558\ub294 \uac83\uc774\ub2e4. \uace0\uc815\ube44\ub294 \uc8fc\uac70\ube44, \ud1b5\uc2e0\ube44, \ubcf4\ud5d8\ub8cc\ucc98\ub7fc \ub9e4\ub2ec \ubc18\ub4dc\uc2dc \uc9c0\ucd9c\ud574\uc57c \ud558\ub294 \ubd80\ubd84\uc774\ub2e4. \ubcc0\ub3d9\ube44\ub294 \uc2dd\ube44, \uc1fc\ud551, \ucde8\ubbf8 \ub4f1 \uc0c1\ud669\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c0\ub294 \ube44\uc6a9\uc774\ub2e4. \uace0\uc815\ube44\ub294 \ud070 \ubcc0\ud654\uac00 \uc5b4\ub835\uae30 \ub54c\ubb38\uc5d0 \ubcc0\ub3d9\ube44 \uad00\ub9ac\uac00 \uc2e4\uc9c8\uc801\uc778 \uc808\uc57d\uc758 \ud575\uc2ec\uc774\ub2e4. \ubcc0\ub3d9\ube44\ub97c \uacfc\uac10\ud558\uac8c \uc870\uc808\ud560 \uc218 \uc788\ub2e4\uba74 \uc800\ucd95 \uc5ec\ub825\uc740 \uc790\uc5f0\uc2a4\ub7fd\uac8c \ub298\uc5b4\ub09c\ub2e4. \ub450 \ubc88\uc9f8 \ub2e8\uacc4\ub294 \uac10\uc815 \uc18c\ube44\ub97c \ud1b5\uc81c\ud558\ub294 \uac83\uc774\ub2e4. \ub9ce\uc740 \uc0ac\ub78c\uc774 \uc790\uc2e0\uc758 \uc9c0\ucd9c \ub0b4\uc5ed\uc744 \uc0b4\ud3b4\ubcf4\uba74 \uc2e4\uc81c \ud544\uc694\uac00 \uc544\ub2cc \u2018\uae30\ubd84 \uc804\ud658\u2019 \ub610\ub294 \u2018\uc21c\uac04\uc801 \ucda9\ub3d9\u2019\uc73c\ub85c \uc778\ud55c \uad6c\ub9e4\uac00 \uc801\uc9c0 \uc54a\ub2e4\ub294 \uac83\uc744 \ubc1c\uacac\ud558\uace4 \ud55c\ub2e4. \uac10\uc815 \uc18c\ube44\ub97c \uc644\uc804\ud788 \uc5c6\uc560\uae30\ub780 \uc5b4\ub835\uc9c0\ub9cc, \ube48\ub3c4\ub97c \uc904\uc774\uac70\ub098 \uc608\uc0b0\uc744 \uc815\ud574\ub450\ub294 \ubc29\uc2dd\uc73c\ub85c \ud1b5\uc81c\ud558\uba74 \ubd88\ud544\uc694\ud55c \uc9c0\ucd9c\uc744 \ud06c\uac8c \uc904\uc77c \uc218 \uc788\ub2e4.<\/p>\n\n\n\n

\ubb34\uc5c7\ubcf4\ub2e4 \ub3c8\uc744 \ud604\uba85\ud558\uac8c \uc4f0\uae30 \uc704\ud574\uc11c\ub294 \u2018\uac12\uc5b4\uce58\ub97c \ud558\ub294 \uc18c\ube44\u2019\ub97c \ucc3e\ub294 \ub2a5\ub825\uc774 \uac00\uc7a5 \uc911\uc694\ud558\ub2e4. \uc5b4\ub5a4 \uc18c\ube44\ub294 \ub2e8\uc21c\ud55c \uc9c0\ucd9c\uc774 \uc544\ub2c8\ub77c \uc0b6\uc758 \uc9c8\uc744 \ub192\uc5ec\uc8fc\ub294 \ud22c\uc790\ub85c \uc774\uc5b4\uc9c0\uae30\ub3c4 \ud55c\ub2e4. \uac74\uac15 \uad00\ub9ac\ub098 \uc774\ub3d9 \uc2dc\uac04\uc744 \uc808\uc57d\ud574\uc8fc\ub294 \uc11c\ube44\uc2a4, \uc9c0\uc2dd\uc744 \ub113\ud600\uc8fc\ub294 \uad50\uc721 \ub4f1\uc740 \uc7a5\uae30\uc801\uc73c\ub85c \ud070 \ub9cc\uc871\uacfc \ud6a8\uc728\uc744 \uac00\uc838\ub2e4 \uc900\ub2e4. \uc815\uae30\uc801\uc778 \ud5ec\uc2a4\uc7a5 \uc774\uc6a9\uc774\ub098 \ud544\ub77c\ud14c\uc2a4 \uc218\uac15\uc740 \uc2e0\uccb4 \ucee8\ub514\uc158\uc744 \uafb8\uc900\ud788 \uc720\uc9c0\ud558\uac8c \ud574\uc8fc\uba70, \uadf8 \uacb0\uacfc \uc77c\uc0c1 \uc5d0\ub108\uc9c0\uc640 \uc5c5\ubb34 \uc9d1\uc911\ub3c4\uac00 \ub192\uc544\uc9c0\ub294 \ud6a8\uacfc\ub97c \uc900\ub2e4. \ub300\uc911\uad50\ud1b5 \ub300\uc2e0 \ud1b5\uadfc \uc2dc\uac04\uc744 \ub2e8\ucd95\ud574\uc8fc\ub294 \uc154\ud2c0 \uc11c\ube44\uc2a4\ub098 \ucc28\ub7c9 \ud638\ucd9c \uc11c\ube44\uc2a4\ub97c \ud65c\uc6a9\ud558\uba74 \ud558\ub8e8\uc5d0 30\ubd84\uc5d0\uc11c 1\uc2dc\uac04\uae4c\uc9c0 \uc5ec\uc720 \uc2dc\uac04\uc774 \uc0dd\uae30\uae30\ub3c4 \ud55c\ub2e4. \uc628\ub77c\uc778 \uac15\uc758\ub098 \uc9c1\ubb34 \uad50\uc721 \ud504\ub85c\uadf8\ub7a8\uc744 \uc218\uac15\ud558\ub294 \ub370 \uc4f0\ub294 \ube44\uc6a9\uc740 \ud5a5\ud6c4 \ucee4\ub9ac\uc5b4 \ud655\uc7a5\uc774\ub098 \uae09\uc5ec \uc0c1\uc2b9\uc73c\ub85c \uc774\uc5b4\uc9c8 \uc218 \uc788\uc5b4, \ucd08\uae30 \uc9c0\ucd9c\ubcf4\ub2e4 \ud6e8\uc52c \ud070 \uac00\uce58\ub97c \ub9cc\ub4e4\uc5b4\ub0b4\ub294 \ud22c\uc790\ub85c \ud3c9\uac00\ub41c\ub2e4. \uc5d4\ud130\ud14c\uc778\uba3c\ud2b8 \uc18c\ube44\ub294 \ud604\ub300\uc778\uc758 \uc0dd\ud65c\uc5d0\uc11c \uc990\uac70\uc6c0\uacfc \ud65c\ub825\uc744 \ub354\ud574\uc8fc\ub294 \uc758\ubbf8 \uc788\ub294 \uc9c0\ucd9c\uc774 \ub420 \uc218 \uc788\ub2e4. \ud2b9\ud788 \uc694\uc998\ucc98\ub7fc \uc628\ub77c\uc778 \ud658\uacbd\uc774 \ube60\ub974\uac8c \ubc1c\ub2ec\ud55c \uc2dc\ub300\uc5d0\ub294 \uc5d4\ud130\ud14c\uc778\uba3c\ud2b8\ub97c \uc990\uae30\ub294 \ubc29\uc2dd\uc774 \ub354\uc6b1 \ub2e4\uc591\ud574\uc9c0\uace0 \uc811\uadfc\uc131 \ub610\ud55c \ub192\uc544\uc9c0\uace0 \uc788\ub2e4. \uadf8\uc911 \ub300\ud45c\uc801\uc778 \uc608\uc2dc\uac00 \uc2e4\uc2dc\uac04 \uce74\uc9c0\ub178 \ub51c\ub7ec \uac8c\uc784<\/a>\uc774\ub2e4. \uc9d1\uc5d0\uc11c\ub3c4 \uc2e4\uc2dc\uac04 \uc778\ud130\ub799\uc158\uc744 \ud1b5\ud574 \ud604\uc7a5\uac10\uc744 \ub290\ub084 \uc218 \uc788\ub2e4\ub294 \uc810\uc5d0\uc11c \uc2dc\uac04\uacfc \uacf5\uac04 \uc81c\uc57d\uc774 \ud070 \ud604\ub300\uc778\ub4e4\uc5d0\uac8c \ud558\ub098\uc758 \ud765\ubbf8\ub85c\uc6b4 \uc5ec\uac00 \uc635\uc158\uc774 \ub418\uace0 \uc788\ub2e4. \uc774\ucc98\ub7fc \ub2e4\uc591\ud55c \uc18c\ube44 \ubc29\uc2dd\uc774 \ub4f1\uc7a5\ud55c \uc624\ub298\ub0a0, \ubb34\uc5c7\uc744 \uc120\ud0dd\ud558\ub4e0 \uc790\uc2e0\uc758 \uc0dd\ud65c \ubc29\uc2dd\uacfc \uc608\uc0b0\uc5d0 \ub9de\ucdb0 \uade0\ud615 \uc788\uac8c \ud65c\uc6a9\ud558\ub294 \ud0dc\ub3c4\uac00 \uacb0\uad6d \ud604\uba85\ud55c \uc9c0\ucd9c\uc758 \uc644\uc131\uc774\ub77c\uace0 \ud560 \uc218 \uc788\ub2e4.<\/p>\n\n\n\n

\ub300\ud45c\uc801\uc778 \uc800\ucd95 \uacf5\uc2dd \uc775\ud788\uae30<\/strong><\/h2>\n\n\n\n

\uc800\ucd95 \ube44\uc728\uc744 \uc815\ud558\ub294 \ub370 \uac00\uc7a5 \ub110\ub9ac \uc0ac\uc6a9\ub418\ub294 \uae30\uc900\uc73c\ub85c\ub294 \u201850\/30\/20 \uaddc\uce59\u2019\uc774 \uaf3d\ud78c\ub2e4. \uc774 \ubc29\uc2dd\uc740 \uac1c\uc778\uc758 \uc9c0\ucd9c\uc744 \uc138 \uac00\uc9c0 \ubc94\uc8fc\ub85c \ub098\ub204\uc5b4 \uad00\ub9ac\ud558\ub294 \uac04\ub2e8\ud558\uba74\uc11c\ub3c4 \uc2e4\uc6a9\uc801\uc778 \uc811\uadfc\ubc95\uc73c\ub85c, \uc7ac\uc815 \uad00\ub9ac\ub97c \ucc98\uc74c \uc2dc\uc791\ud558\ub294 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \uba85\ud655\ud55c \uae30\uc900\uc744 \uc81c\uacf5\ud55c\ub2e4\ub294 \uc810\uc5d0\uc11c \uc720\uc6a9\ud558\ub2e4. \uba3c\uc800 \uc804\uccb4 \uc18c\ub4dd\uc758 50%\ub294 \ud544\uc218 \uc9c0\ucd9c\uc5d0 \ud574\ub2f9\ud55c\ub2e4. \uc774\ub294 \uc0dd\uc874\uacfc \uc77c\uc0c1\uc0dd\ud65c\uc744 \uc720\uc9c0\ud558\uae30 \uc704\ud574 \ubc18\ub4dc\uc2dc \ud544\uc694\ud55c \ube44\uc6a9\uc73c\ub85c, \uc8fc\uac70\ube44\u00b7\uc2dd\ube44\u00b7\uad50\ud1b5\ube44\u00b7\uacf5\uacfc\uae08\u00b7\uc758\ub8cc\ube44 \ub4f1 \ub9e4\ub2ec \ube60\uc838\ub098\uac00\ub294 \uae30\ubcf8 \uc0dd\ud65c\ube44\uac00 \ud3ec\ud568\ub41c\ub2e4. \ud544\uc218 \uc9c0\ucd9c\uc740 \uae30\ubcf8\uc801\uc73c\ub85c \uc870\uc815 \uc5ec\uc9c0\uac00 \ud06c\uc9c0 \uc54a\uc9c0\ub9cc, \ube44\uc911\uc774 \uacfc\ub3c4\ud558\uac8c \ub192\uc544\uc9c8 \uacbd\uc6b0 \ub2e4\ub978 \ud56d\ubaa9\uc5d0 \uc601\ud5a5\uc744 \uc904 \uc218 \uc788\ub2e4. \uc774\ub7f0 \uacbd\uc6b0 \uc8fc\uac70 \ud615\ud0dc\ub97c \ubcf4\ub2e4 \uacbd\uc81c\uc801\uc778 \uc635\uc158\uc73c\ub85c \ubcc0\uacbd\ud558\uac70\ub098, \ud1b5\uc2e0\ube44\u00b7\ubcf4\ud5d8\ube44\ucc98\ub7fc \ube44\uad50 \uac00\ub2a5\ud55c \ud56d\ubaa9\uc744 \uc870\uc815\ud574 \ud6a8\uc728\ud654\ub97c \uc2dc\ub3c4\ud574\ubcf4\ub294 \uac83\uc774 \uc88b\ub2e4. \uc791\uc740 \uc808\uac10\uc774\ub77c\ub3c4 \uafb8\uc900\ud788 \uc774\uc5b4\uc9c0\uba74 \uc7a5\uae30\uc801\uc73c\ub85c \uc0c1\ub2f9\ud55c \ucc28\uc774\ub97c \ub9cc\ub4e0\ub2e4.<\/p>\n\n\n\n

\ub2e4\uc74c\uc73c\ub85c \uc18c\ub4dd\uc758 30%\ub294 \uc120\ud0dd \uc9c0\ucd9c \ud56d\ubaa9\uc774\ub2e4. \uc5ec\uae30\uc5d0\ub294 \ucde8\ubbf8 \ud65c\ub3d9, \uc678\uc2dd, \uc1fc\ud551, \uc5ec\ud589, \uc5d4\ud130\ud14c\uc778\uba3c\ud2b8\ucc98\ub7fc \uac1c\uc778\uc758 \uc0b6\uc758 \ub9cc\uc871\ub3c4\uc640 \uc9c1\uc811 \uc5f0\uacb0\ub418\ub294 \ub2e4\uc591\ud55c \uc9c0\ucd9c\uc774 \ud3ec\ud568\ub41c\ub2e4. \uc774 \uc601\uc5ed\uc740 \uac1c\uc778\uc758 \ub77c\uc774\ud504\uc2a4\ud0c0\uc77c\uc744 \ubc18\uc601\ud558\ub294 \uc911\uc694\ud55c \ubd80\ubd84\uc774\uc790, \uac00\uc7a5 \uc720\uc5f0\ud558\uac8c \uc870\uc815\ud560 \uc218 \uc788\ub294 \uc601\uc5ed\uc774\uae30\ub3c4 \ud558\ub2e4. \ub9ce\uc740 \uc0ac\ub78c\uc774 \uc120\ud0dd \uc9c0\ucd9c \uad6c\uc870\ub97c \uc81c\ub300\ub85c \ud30c\uc545\ud558\uc9c0 \ubabb\ud574 \uc800\ucd95 \uc5ec\ub825\uc744 \uc783\uace4 \ud558\ub294\ub370, \uc790\uc2e0\uc758 \uc18c\ube44 \ud328\ud134\uc744 \ub418\ub3cc\uc544\ubcf4\uace0 \uc790\uc8fc \uc0ac\uc6a9\ud558\ub294 \ud56d\ubaa9\uc744 \uc815\ub9ac\ud558\ub294 \uac83\ub9cc\uc73c\ub85c\ub3c4 \uc808\uac10 \ud3ec\uc778\ud2b8\ub97c \uc27d\uac8c \ucc3e\uc744 \uc218 \uc788\ub2e4. \ubc18\ub300\ub85c \uc9c0\ub098\uce58\uac8c \uc5b5\uc81c\ud558\uba74 \uc2a4\ud2b8\ub808\uc2a4\uac00 \uc99d\uac00\ud574 \uc7ac\uc815 \uad00\ub9ac \uc790\uccb4\uac00 \uc9c0\uc18d\ub418\uae30 \uc5b4\ub824\uc6b8 \uc218 \uc788\ub2e4. \uacb0\uad6d \ud575\uc2ec\uc740 \uc990\uac70\uc6c0\uacfc \uc7ac\uc815 \ubaa9\ud45c \uc0ac\uc774\uc5d0\uc11c \u2018\uade0\ud615 \uc788\ub294 \uc18c\ube44\u2019\ub97c \ucc3e\ub294 \uac83\uc774\ub2e4.<\/p>\n\n\n\n

\ub9c8\uc9c0\ub9c9\uc73c\ub85c \ub098\uba38\uc9c0 20%\ub294 \uc800\ucd95 \ubc0f \ud22c\uc790 \uc601\uc5ed\uc774\ub2e4. \uc774\ub294 \ubbf8\ub798\ub97c \ub300\ube44\ud558\ub294 \ud575\uc2ec \uc7ac\uc815 \ud65c\ub3d9\uc73c\ub85c, \ube44\uc0c1\uae08 \ub9c8\ub828, \uc740\ud1f4 \uc790\uae08 \uc900\ube44, \uc7a5\uae30 \ud22c\uc790 \ub4f1\uc774 \ud3ec\ud568\ub41c\ub2e4. \uc774 \ube44\uc911\uc744 \uafb8\uc900\ud788 \ud655\ubcf4\ud558\uae30 \uc704\ud574\uc11c\ub294 \uc6d4\uae09\uc744 \ubc1b\uc740 \uc9c1\ud6c4 \uc790\ub3d9\uc774\uccb4\ub85c \uc800\ucd95 \uacc4\uc88c\ub85c \uc62e\uaca8\ub450\ub294 \ubc29\uc2dd\uc774 \ud6a8\uacfc\uc801\uc774\ub2e4. \ub9ce\uc740 \uc804\ubb38\uac00\uac00 \uac15\uc870\ud558\ub294 \u2018\ubaa8\uc73c\uace0 \ub0a8\uc740 \ub3c8\uc744 \uc4f0\ub294 \uac83\u2019\uc774 \uc544\ub2c8\ub77c \u2018\uc800\ucd95\uc744 \uba3c\uc800 \ud655\ubcf4\ud558\uace0 \ub0a8\uc740 \ub3c8\uc744 \uc4f0\ub294 \uac83\u2019\uc774\ub77c\ub294 \uc811\uadfc \ubc29\uc2dd\uc740, \uc7a5\uae30\uc801\uc778 \uc7ac\uc815 \uc548\uc815\uc131\uc744 \ud06c\uac8c \ub192\uc5ec\uc900\ub2e4. \ud2b9\ud788 \ud22c\uc790\uae4c\uc9c0 \uace0\ub824\ud55c\ub2e4\uba74 \uc790\uc0b0\uc758 \uc131\uaca9\uacfc \ubaa9\ud45c \uc2dc\uc810\uc744 \uba85\ud655\ud788 \uad6c\ubd84\ud558\ub294 \uac83\uc774 \uc911\uc694\ud558\uba70, \uc704\ud5d8 \uc131\ud5a5\uc5d0 \ub9de\ub294 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\uc131\ud558\uba74 \uc18c\ub4dd \uc678 \uc218\uc775\uc6d0\uc744 \ub9cc\ub4dc\ub294 \ub370\uc5d0\ub3c4 \ub3c4\uc6c0\uc774 \ub41c\ub2e4.<\/p>\n\n\n\n

\ub098\uc5d0\uac8c \ub9de\ub294 \uc800\ucd95 \ube44\uc728 \ucc3e\uae30<\/strong><\/h2>\n\n\n\n

\uc800\ucd95 \ube44\uc728\uc744 \uacb0\uc815\ud560 \ub54c \uac00\uc7a5 \uc911\uc694\ud55c \uac83\uc740 \u2018\ub098\uc758 \ud604\uc2e4\u2019\uc744 \uc815\ud655\ud558\uac8c \ubc18\uc601\ud558\ub294 \uc77c\uc774\ub2e4. \ub530\ub77c\uc11c 50\/30\/20 \uaddc\uce59\uc740 \uc720\uc6a9\ud55c \uae30\uc900\uc810\uc774 \ub420 \uc218 \uc788\uc9c0\ub9cc, \uc5b4\ub514\uae4c\uc9c0\ub098 \ud3c9\uade0\uc801\uc778 \uc0c1\ud669\uc744 \uac00\uc815\ud55c \uac00\uc774\ub4dc\ub77c\uc778\uc77c \ubfd0\uc774\uba70 \uac1c\uc778\uc758 \uacbd\uc81c\uc801 \uc5ec\uac74\uc5d0 \ub530\ub77c \uc870\uc815\uc774 \ud544\uc694\ud558\ub2e4. \uc800\ucd95 \ube44\uc728\uc740 \uace0\uc815\ub41c \uc815\ub2f5\uc774 \uc788\ub294 \uac1c\ub150\uc774 \uc544\ub2c8\ub77c \uac1c\uc778\ubcc4 \uc0dd\ud65c \ud658\uacbd, \uc18c\ub4dd \uc218\uc900, \uc9c0\ucd9c \uad6c\uc870, \ubaa9\ud45c \ub4f1\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c0\ub294 \uac00\ubcc0\uc801 \uc694\uc18c\ub2e4. \uc0b6\uc758 \ub2e8\uacc4\uac00 \ub2ec\ub77c\uc9c0\uba74 \uc18c\ube44 \uc131\ud5a5\ub3c4 \ubcc0\ud558\uae30 \ub54c\ubb38\uc5d0 \uac19\uc740 \uc0ac\ub78c\uc774\ub77c\ub3c4 \uc2dc\uae30\ubcc4\ub85c \ucd5c\uc801\uc758 \uc800\ucd95 \ube44\uc728\uc740 \ub2ec\ub77c\uc9c8 \uc218 \uc788\ub2e4.<\/p>\n\n\n\n

\uc6b0\uc120 \uc18c\ub4dd \uc218\uc900\uc5d0 \ub530\ub77c \uc800\ucd95 \uac00\ub2a5\ud55c \ube44\uc728\uc740 \ud06c\uac8c \ub2ec\ub77c\uc9c8 \uc218 \uc788\ub2e4. \uc18c\ub4dd\uc774 \ub0ae\uc744\uc218\ub85d \ud544\uc218 \uc9c0\ucd9c\uc774 \ucc28\uc9c0\ud558\ub294 \ube44\uc911\uc774 \uc0c1\ub300\uc801\uc73c\ub85c \ucee4\uc838 \uc800\ucd95 \uc5ec\ub825\uc774 \uc904\uc5b4\ub4dc\ub294 \uac83\uc774 \uc77c\ubc18\uc801\uc774\ub2e4. \ubc18\ub300\ub85c \uc18c\ub4dd\uc774 \ub192\uc744\uc218\ub85d \ud544\uc218 \uc9c0\ucd9c \ube44\uc911\uc740 \uc77c\uc815\ud558\uac70\ub098 \uc624\ud788\ub824 \uc904\uc5b4\ub4e4\uae30 \ub54c\ubb38\uc5d0 \uadf8\ub9cc\ud07c \uc800\ucd95\uc774\ub098 \ud22c\uc790\uc5d0 \ubc30\ubd84\ud560 \uc218 \uc788\ub294 \uc5ec\uc720\uac00 \uc0dd\uae34\ub2e4. \uc9c1\uc7a5 \uacbd\ub825 \ucd08\uae30\uc640 \uc911\u00b7\ud6c4\ubc18\uae30\uc758 \uc800\ucd95 \uac00\ub2a5 \uae08\uc561\uc774 \ub2ec\ub77c\uc9c0\ub294 \uac83\ucc98\ub7fc, \uc18c\ub4dd \ubcc0\ud654\ub294 \uc800\ucd95 \uc804\ub7b5\uc758 \uac00\uc7a5 \uc911\uc694\ud55c \ubcc0\uc218 \uc911 \ud558\ub098\ub2e4. \uadf8\ub807\uae30 \ub54c\ubb38\uc5d0 \ubaa8\ub4e0 \uc0ac\ub78c\uc5d0\uac8c \ub3d9\uc77c\ud55c \uc800\ucd95\ub960\uc744 \uc801\uc6a9\ud558\ub294 \uac83\uc740 \ud604\uc2e4\uc801\uc774\uc9c0 \uc54a\uc73c\ubbc0\ub85c \uc790\uc2e0\uc758 \uc18c\ub4dd \uaddc\ubaa8\uc5d0 \ub9de\ub294 \ube44\uc728\uc744 \uc124\uc815\ud558\ub294 \uac83\uc774 \uc911\uc694\ud558\ub2e4.<\/p>\n\n\n\n

\uc9c0\ucd9c \uad6c\uc870\ub3c4 \uc800\ucd95 \ube44\uc728\uc744 \uacb0\uc815\ud558\ub294 \ub370 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce5c\ub2e4. \ub3c4\uc2dc \uac70\uc8fc \uc5ec\ubd80, \uac00\uc871 \uad6c\uc131\uc6d0 \uc218, \uc8fc\uac70 \ud615\ud0dc, \uad50\ud1b5\ube44 \ubd80\ub2f4 \ub4f1 \uac1c\uc778\uc758 \uc0dd\ud65c \uc870\uac74\uc5d0 \ub530\ub77c \ud544\uc218 \uc9c0\ucd9c\uc774 \ud06c\uac8c \ucc28\uc774 \ub0a0 \uc218 \uc788\uae30 \ub54c\ubb38\uc774\ub2e4. \ub300\ub3c4\uc2dc\uc758 \ub192\uc740 \uc8fc\uac70\ube44\ub098 \uc721\uc544 \ube44\uc6a9\uc774 \ubc1c\uc0dd\ud558\ub294 \uacbd\uc6b0 \ud544\uc218 \uc9c0\ucd9c \ube44\uc911\uc774 50%\ub97c \ub118\ub294 \uac83\uc740 \ud754\ud55c \uc77c\uc774\ub2e4. \ubc18\ub300\ub85c \uc2dc\uace8\uc774\ub098 \uad50\uc678\uc5d0 \uac70\uc8fc\ud558\ub294 \uc0ac\ub78c\uc740 \uc0c1\ub300\uc801\uc73c\ub85c \ub0ae\uc740 \uace0\uc815\ube44\ub97c \uc720\uc9c0\ud560 \uc218 \uc788\uc5b4 \ub3d9\uc77c\ud55c \uc18c\ub4dd\uc5d0\uc11c\ub3c4 \ub354 \ub192\uc740 \uc800\ucd95\ub960\uc744 \ub2ec\uc131\ud560 \uc218 \uc788\ub2e4. \uc774\ub7ec\ud55c \ucc28\uc774\ub97c \uc778\uc9c0\ud558\uace0 \uac01\uc790\uc758 \ud658\uacbd\uc5d0 \ub9de\uac8c \uc9c0\ucd9c \uad6c\uc870\ub97c \uc7ac\uc810\uac80\ud558\ub294 \uac83\uc774 \ud544\uc694\ud558\ub2e4. \uae30\uc900 \ube44\uc728\uc744 \uc5b5\uc9c0\ub85c \ub9de\ucd94\uae30\ubcf4\ub2e4\ub294 \ud604\uc2e4\uc5d0\uc11c \uc2e4\ucc9c \uac00\ub2a5\ud55c \ucd5c\uc801\uc758 \uc870\ud569\uc744 \ucc3e\ub294 \uac83\uc774 \ub354\uc6b1 \uc911\uc694\ud558\ub2e4.<\/p>\n\n\n\n

\ub610\ud55c \uc800\ucd95 \ube44\uc728\uc744 \ubaa9\ud45c \uae30\ubc18\uc73c\ub85c \uc124\uacc4\ud558\uba74 \ub354\uc6b1 \ud6a8\uacfc\uc801\uc778 \uc7ac\uc815 \uad00\ub9ac\uac00 \uac00\ub2a5\ud558\ub2e4. \uc5ec\ud589\uc774\ub098 \uc804\uc790\uae30\uae30 \uad6c\ub9e4 \uac19\uc740 \ub2e8\uae30 \ubaa9\ud45c, \ub0b4 \uc9d1 \ub9c8\ub828 \uc900\ube44 \uac19\uc740 \uc911\uae30 \ubaa9\ud45c, \uc740\ud1f4 \uc790\uae08 \ub9c8\ub828\uacfc \uac19\uc740 \uc7a5\uae30 \ubaa9\ud45c\ub97c \uad6c\ubd84\ud574 \uac01\uac01\uc5d0 \ub9de\ub294 \uc800\ucd95 \uacc4\ud68d\uc744 \uc138\uc6b0\uba74 \ubcf4\ub2e4 \uccb4\uacc4\uc801\uc774\uace0 \uc9c0\uc18d \uac00\ub2a5\ud55c \uc790\uc0b0 \ud615\uc131\uc774 \uac00\ub2a5\ud574\uc9c4\ub2e4. \uc2ec\ub9ac\ud559\uc758 \ubaa9\ud45c\uc124\uc815\uc774\ub860(Goal-Setting Theory)<\/a>\uc5d0\uc11c\ub3c4 \uac15\uc870\ud558\ub4ef, \ubaa9\ud45c\uac00 \uad6c\uccb4\uc801\uc774\uace0 \uba85\ud655\ud560\uc218\ub85d \ud589\ub3d9\uc758 \uc9d1\uc911\ub3c4\uc640 \uc9c0\uc18d\ub825\uc774 \ub192\uc544\uc838 \uc9c0\ucd9c\uc744 \uc790\uc81c\ud558\uace0 \uc800\ucd95\uc744 \uc720\uc9c0\ud558\ub294 \ub3d9\uae30 \ubd80\uc5ec \uc5ed\uc2dc \uac15\ud574\uc9c4\ub2e4. \ubaa9\ud45c\uac00 \ub2e8\uc21c\ud788 \u2018\ub3c8\uc744 \ubaa8\uc544\uc57c \ud55c\ub2e4\u2019\ub294 \uc218\uc900\uc5d0 \uba38\ubb3c\uc9c0 \uc54a\uace0 \uae08\uc561\uacfc \uae30\uac04\uc774 \uba85\ud655\ud560\uc218\ub85d \uc2e4\ud589 \uac00\ub2a5\uc131\uc774 \ub192\uc544\uc9c4\ub2e4. \uacb0\uad6d \uc800\ucd95 \ube44\uc728\uc740 \ubaa8\ub450\uc5d0\uac8c \ub3d9\uc77c\ud55c \uae30\uc900\uc744 \uc801\uc6a9\ud558\ub294 \uac83\uc774 \uc544\ub2c8\ub77c, \uac1c\uc778\uc758 \uc0c1\ud669\uacfc \ubaa9\ud45c\ub97c \uc911\uc2ec\uc73c\ub85c \uc720\uc5f0\ud558\uac8c \uc124\uacc4\ud574\uc57c \ube44\ub85c\uc18c \ud604\uc2e4\uc801\uc778 \uc7ac\uc815 \uc804\ub7b5\uc774 \ub41c\ub2e4.<\/p>\n\n\n\n

\uc800\ucd95\uc744 \uc2b5\uad00\uc73c\ub85c \ub9cc\ub4dc\ub294 \uc790\ub3d9\ud654 \uc804\ub7b5<\/strong><\/h2>\n\n\n\n

\ud6a8\uacfc\uc801\uc778 \uc800\ucd95\uc758 \ud575\uc2ec\uc740 \u2018\uc5bc\ub9c8\ub97c \ubaa8\uc73c\ub290\ub0d0\u2019\ubcf4\ub2e4 \u2018\uc5bc\ub9c8\ub098 \uafb8\uc900\ud788 \uc9c0\uc18d\ud560 \uc218 \uc788\ub290\ub0d0\u2019\uc5d0 \ub2ec\ub824 \uc788\ub2e4. \ub9ce\uc740 \uc0ac\ub78c\uc774 \uc800\ucd95 \uacc4\ud68d\uc744 \uc138\uc6b0\uace0\ub3c4 \uc2e4\ud589\ud558\uc9c0 \ubabb\ud558\ub294 \uc774\uc720\ub294 \ub9e4\ub2ec \uc9c1\uc811 \ub3c8\uc744 \uc62e\uae30\ub294 \uacfc\uc815\uc5d0\uc11c \uc758\uc9c0\uc640 \uac10\uc815\uc758 \uc601\ud5a5\uc744 \ubc1b\uae30 \ub54c\ubb38\uc774\ub2e4. \uc6d4\ub9d0\uc5d0 \ub0a8\uc740 \uae08\uc561\uc744 \ubaa8\uc73c\uaca0\ub2e4\ub294 \ubc29\uc2dd\uc740 \uc0dd\ud65c \ud328\ud134\uc774\ub098 \ub3cc\ubc1c \uc9c0\ucd9c\uc5d0 \uc27d\uac8c \ud754\ub4e4\ub9b4 \uc218 \uc788\uc5b4 \uc9c0\uc18d\ud558\uae30 \uc5b4\ub835\ub2e4. \uc774\ub7ec\ud55c \ubb38\uc81c\ub97c \ud574\uacb0\ud558\ub294 \uac00\uc7a5 \ud655\uc2e4\ud55c \ubc29\ubc95\uc774 \ubc14\ub85c \uc800\ucd95 \uc790\ub3d9\ud654\ub2e4. \uc790\ub3d9\uc774\uccb4\ub97c \ud1b5\ud574 \uc6d4\uae09\uc774 \ub4e4\uc5b4\uc624\ub294 \uc989\uc2dc \uc77c\uc815 \uae08\uc561\uc744 \uc800\ucd95 \uacc4\uc88c\ub85c \ubd84\ub9ac\ud574 \ub450\uba74, \uc0ac\uc6a9 \uac00\ub2a5 \uae08\uc561\uc774 \uc790\uc5f0\uc2a4\ub7fd\uac8c \uc904\uc5b4\ub4e4\uba70 \ubd88\ud544\uc694\ud55c \uc18c\ube44\ub97c \uc608\ubc29\ud558\ub294 \ud6a8\uacfc\uac00 \uc0dd\uae34\ub2e4. \uc774\ub807\uac8c \u2018\uba3c\uc800 \uc800\ucd95\ud558\uace0 \ub0a8\uc740 \ub3c8\uc744 \uc4f0\ub294 \ubc29\uc2dd\u2019\uc740 \uc7ac\uc815 \uad00\ub9ac\ub97c \uc2b5\uad00\uc73c\ub85c \ub9cc\ub4dc\ub294 \ub370 \ud070 \ub3c4\uc6c0\uc744 \uc900\ub2e4.<\/p>\n\n\n\n

\ud574\uc678 \uc7ac\uc815 \uc804\ubb38\uac00\ub4e4\uc774 \uc790\uc8fc \uac15\uc870\ud558\ub294 \u2018Pay Yourself First(\uba3c\uc800 \ub098 \uc790\uc2e0\uc5d0\uac8c \uc9c0\uae09\ud558\ub77c)<\/a>\u2019 \uc6d0\uce59 \uc5ed\uc2dc \uc774\ub7ec\ud55c \uc0ac\uace0\ubc29\uc2dd\uc744 \uae30\ubc18\uc73c\ub85c \ud55c\ub2e4. \uc800\ucd95\uc744 \u2018\ub0a8\uc73c\uba74 \ud558\ub294 \uac83\u2019\uc774 \uc544\ub2c8\ub77c \u2018\uac00\uc7a5 \uba3c\uc800 \ud655\ubcf4\ud574\uc57c \ud558\ub294 \ud544\uc218 \uc9c0\ucd9c\u2019\ub85c \uc778\uc2dd\ud558\uba74, \uc7ac\uc815 \uad00\ub9ac\uc758 \uc548\uc815\uc131\uacfc \uc9c0\uc18d\uc131\uc774 \ud06c\uac8c \ub192\uc544\uc9c4\ub2e4. \ub354\ubd88\uc5b4 \uc794\ub3c8 \ubaa8\uc73c\uae30 \uae30\ub2a5, \uc18c\uc561 \ud22c\uc790 \uc790\ub3d9 \uc801\ub9bd\uc2dd \uc11c\ube44\uc2a4, \uae08\uc735 \uc571\uc758 \ubaa9\ud45c \uae30\ubc18 \uc800\ucd95 \uae30\ub2a5 \ub4f1 \ub2e4\uc591\ud55c \ub514\uc9c0\ud138 \uae08\uc735 \ub3c4\uad6c\ub97c \ud65c\uc6a9\ud558\uba74 \ubd80\ub2f4 \uc5c6\uc774 \uc800\ucd95 \uc2b5\uad00\uc744 \ud655\uc7a5\ud560 \uc218 \uc788\ub2e4. \uc791\uc740 \uae08\uc561\uc774\ub77c\ub3c4 \uc790\ub3d9\uc73c\ub85c \uc313\uc774\uae30 \uc2dc\uc791\ud558\uba74 \uc0dd\uac01\ubcf4\ub2e4 \ube60\ub974\uac8c \uc790\uc0b0\uc774 \ub298\uc5b4\ub098\ub294 \uacbd\ud5d8\uc744 \ud560 \uc218 \uc788\uc73c\uba70, \uc774\ub294 \uc7a5\uae30\uc801\uc778 \uc7ac\uc815 \uacc4\ud68d\uc744 \uc2e4\ucc9c\ud558\ub294 \ub370 \uae0d\uc815\uc801\uc778 \ub3d9\uae30\ubd80\uc5ec\uac00 \ub41c\ub2e4.<\/p>\n\n\n\n

\ud604\uba85\ud55c \uc800\ucd95\uc774 \ub9cc\ub4e4\uc5b4\uac00\ub294 \ubbf8\ub798<\/strong><\/h2>\n\n\n\n

\uc800\ucd95\uc774 \uc911\uc694\ud55c \uc774\uc720\ub294 \ub2e8\uc21c\ud788 \ub3c8\uc744 \ubaa8\uc544\ub450\ub294 \uac83\uc744 \ub118\uc5b4, \ubbf8\ub798\ub97c \uc120\ud0dd\ud560 \uc218 \uc788\ub294 \ub2a5\ub825\uc744 \ud0a4\uc6cc\uc8fc\uae30 \ub54c\ubb38\uc774\ub2e4. \ucda9\ubd84\ud55c \uc800\ucd95\uc774 \uc788\uc744 \uacbd\uc6b0 \uc608\uc0c1\uce58 \ubabb\ud55c \uc77c\uc790\ub9ac \ubcc0\ud654\ub098 \uac11\uc791\uc2a4\ub7ec\uc6b4 \uc758\ub8cc\ube44 \uac19\uc740 \uc0c1\ud669\uc5d0\ub3c4 \uc720\uc5f0\ud558\uac8c \ub300\uc751\ud560 \uc218 \uc788\uc73c\uba70, \uc7a5\uae30\uc801\uc73c\ub85c \uc774\ub8e8\uace0 \uc2f6\uc740 \ubaa9\ud45c\ub97c \uc2e4\ud604\ud558\ub294 \ud1a0\ub300\uac00 \ub41c\ub2e4. \ubfd0\ub9cc \uc544\ub2c8\ub77c \ucda9\ubd84\ud55c \uc800\ucd95\uc740 \uc2ec\ub9ac\uc801 \uc548\uc815\uc5d0\ub3c4 \uae30\uc5ec\ud574 \uc0b6\uc758 \uc9c8\uc744 \ub192\uc77c \uc218 \uc788\ub2e4. \uc548\uc815\uc801\uc778 \uc7ac\uc815 \uae30\ubc18\uc744 \uac16\ucd98 \uc0ac\ub78c\ub4e4\uc740 \uc0c8\ub85c\uc6b4 \uae30\ud68c\ub97c \ud0d0\uc0c9\ud558\uac70\ub098 \ub3c4\uc804\uc801\uc778 \uc120\ud0dd\uc744 \ud558\ub294 \ub370\ub3c4 \uc8fc\uc800\ud568\uc774 \uc801\uc5b4, \uc0b6\uc758 \ubc29\ud5a5\uc744 \uc8fc\ub3c4\uc801\uc73c\ub85c \uc124\uacc4\ud560 \uc218 \uc788\ub294 \uc5ec\uc720\ub97c \uac00\uc9c0\uac8c \ub41c\ub2e4.<\/p>\n\n\n\n

\ud544\uc218 \uc9c0\ucd9c\uc744 \uc810\uac80\ud558\uace0, \ubcc0\ub3d9\ube44\ub97c \ud6a8\uc728\uc801\uc73c\ub85c \uad00\ub9ac\ud558\uba70, \uc791\uc740 \ubcc0\ud654\ub77c\ub3c4 \uafb8\uc900\ud788 \uc2e4\ucc9c\ud558\uba74 \uacb0\uad6d \uc800\ucd95\uc740 \ub208\uc5d0 \ubcf4\uc774\uac8c \uc313\uc774\uace0, \ubbf8\ub798\ub97c \uc2a4\uc2a4\ub85c \uc124\uacc4\ud560 \uc218 \uc788\ub294 \ud798\uc774 \ucee4\uc9c4\ub2e4. \uc774\ub7ec\ud55c \uc791\uc740 \uc2e4\ucc9c\uc774 \uc313\uc774\uba74 \uc7ac\uc815\uc801\uc778 \uc2b5\uad00\uc774 \uc790\ub9ac \uc7a1\uace0, \uc7a5\uae30\uc801\uc778 \ubaa9\ud45c\uc5d0 \ub354\uc6b1 \ub2e8\ub2e8\ud788 \ub2e4\uac00\uac08 \uc218 \uc788\ub2e4. \uc7ac\uc815 \uad00\ub9ac\uc758 \ud575\uc2ec\uc740 \uc644\ubcbd\ud568\uc774 \uc544\ub2c8\ub77c \uc9c0\uc18d\uc131\uc774\ub2e4. \uc624\ub298\ubd80\ud130 \ud55c \uac00\uc9c0\ub77c\ub3c4 \uc2e4\ucc9c\ud574\ubcf4\uba74 \ub41c\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"

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