{"id":172,"date":"2026-07-15T05:08:21","date_gmt":"2026-07-15T05:08:21","guid":{"rendered":"https:\/\/lkscorp.com\/?p=172"},"modified":"2026-07-15T05:08:21","modified_gmt":"2026-07-15T05:08:21","slug":"bok-rate-refinancing-cost-efficiency","status":"publish","type":"post","link":"https:\/\/lkscorp.com\/?p=172","title":{"rendered":"\ud55c\uc740 \uae30\uc900\uae08\ub9ac \uc815\uccb4\uae30, ‘\uc774\uc790 \ube44\uc6a9’ \ub0ae\ucd9c \ub300\ud658\ub300\ucd9c \uac00\uc131\ube44 \ube44\uad50"},"content":{"rendered":"
\"\"<\/figure>\n

\u300c\ud55c\uc740 \uae30\uc900\uae08\ub9ac \uc815\uccb4\uae30, '\uc774\uc790 \ube44\uc6a9' \ub0ae\ucd9c \ub300\ud658\ub300\ucd9c \uac00\uc131\ube44 \ube44\uad50<\/strong>\u300d\uc5d0 \ub300\ud55c Simple \uc815\ub9ac\ub97c \ud558\uba74 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n

Simple \uc815\ub9ac<\/h2>\n
\"\"<\/figure>\n

\ud55c\uad6d\uc740\ud589 \uae30\uc900\uae08\ub9ac \uc778\ud558 \uc9c0\uc5f0\uc73c\ub85c \uace0\uae08\ub9ac \uc815\uccb4\uae30\uac00 \uc9c0\uc18d\ub418\ub294 \uac00\uc6b4\ub370, \uac00\uacc4\uc758 \uc774\uc790 \ubd80\ub2f4\uc744 \uc904\uc774\uae30 \uc704\ud55c \uac00\uc7a5 \ud6a8\uacfc\uc801\uc778 \ud574\uacb0\ucc45\uc740 \ub300\ud658\ub300\ucd9c \ud50c\ub7ab\ud3fc\uc744 \ud1b5\ud55c \uac00\uc131\ube44 \ube44\uad50 \ubc0f \uac08\uc544\ud0c0\uae30<\/strong>\uc785\ub2c8\ub2e4. \ubb34\uc791\uc815 \uae08\ub9ac \uc778\ud558\ub97c \uae30\ub2e4\ub9ac\uae30\ubcf4\ub2e4 \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc\uc640 \uac08\uc544\ud0c0\uae30 \ud6c4 \uc808\uac10\ub418\ub294 \uc774\uc790 \ube44\uc6a9\uc744 \uc2dc\ubbac\ub808\uc774\uc158\ud558\uc5ec \ubc1c \ube60\ub974\uac8c \uc6c0\uc9c1\uc774\ub294 \uac83\uc774 \uac00\uacc4 \uc7ac\uc815\uc744 \uc9c0\ud0a4\ub294 \uc9c0\ub984\uae38\uc785\ub2c8\ub2e4.<\/p>\n

\ud83d\udcc5 \ud55c\uc740 \uae30\uc900\uae08\ub9ac \ucd94\uc774\uc640 \uc2dc\uc7a5 \uae08\ub9ac \ud604\ud669<\/h2>\n
\"\"<\/figure>\n

\ucd5c\uadfc \ud55c\uad6d\uc740\ud589 \uae30\uc900\uae08\ub9ac\ub294 \uc5f0 3.50% \uc218\uc900\uc5d0\uc11c \uc7a5\uae30\uac04 \ub3d9\uacb0 \uae30\uc870\ub97c \uc720\uc9c0\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uae08\uc735\ud1b5\ud654\uc704\uc6d0\ud68c\uc758 \ud55c\uad6d\uc740\ud589 \uae30\uc900\uae08\ub9ac \uacb0\uc815 \ubc1c\ud45c \ub54c\ub9c8\ub2e4 \uc778\ud558\uc5d0 \ub300\ud55c \uae30\ub300\uac10\uc774 \uace0\uac1c\ub97c \ub4e4\uc5c8\uc73c\ub098, \uac00\uacc4\ubd80\ucc44 \uc99d\uac00\uc138\uc640 \ubb3c\uac00 \uc548\uc815\ud654 \uc9c0\uc5f0, \uadf8\ub9ac\uace0 \ubbf8\uad6d \uc5f0\ubc29\uc900\ube44\uc81c\ub3c4(Fed)\uc758 \ud1b5\ud654\uc815\ucc45 \ubd88\ud655\uc2e4\uc131\uc774 \uacb9\uce58\uba70 \uc778\ud558 \uc2dc\uc810\uc774 \uacc4\uc18d\ud574\uc11c \ub4a4\ub85c \ubc00\ub9ac\ub294 \uc591\uc0c1\uc785\ub2c8\ub2e4.<\/p>\n

\uc774\ub7ec\ud55c \ud55c\uad6d\uc740\ud589 \uae30\uc900\uae08\ub9ac \ub3d9\uacb0 \ubc0f \uc815\uccb4\uae30<\/strong>\ub294 \uc2dc\uc7a5 \uae08\ub9ac\uc5d0\ub3c4 \uace0\uc2a4\ub780\ud788 \ubc18\uc601\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub300\ucd9c \uae08\ub9ac\uc758 \uae30\uc900\uc774 \ub418\ub294 \ucf54\ud53d\uc2a4(COFIX)\ub098 \uc740\ud589\ucc44 \uae08\ub9ac\ub294 \ud5a5\ud6c4 \uc778\ud558 \uae30\ub300\uac10\uc744 \uc120\ubc18\uc601\ud558\uc5ec \uc77c\uc2dc\uc801\uc73c\ub85c \ud558\ub77d\uc138\ub97c \ubcf4\uc774\uae30\ub3c4 \ud558\uc9c0\ub9cc, \ubcc0\ub3d9\uc131\uc774 \uc2ec\ud574 \uae08\uc735 \uc18c\ube44\uc790\uac00 \uccb4\uac10\ud558\ub294 \uc2e4\uc9c8\uc801\uc778 \uc774\uc790 \ubd80\ub2f4\uc740 \uc5ec\uc804\ud788 \ub192\uc740 \uc218\uc900\uc5d0 \uba38\ubb3c\ub7ec \uc788\uc2b5\ub2c8\ub2e4. \uc608\uc801\uae08 \uae08\ub9ac\ub294 \ube60\ub974\uac8c \ud558\ub77d\ud558\ub294 \ubc18\uba74 \ub300\ucd9c \uae08\ub9ac\ub294 \uc0c1\ub300\uc801\uc73c\ub85c \ub192\uc740 \uc218\uc900\uc744 \uc720\uc9c0\ud558\ub294 ‘\uae08\ub9ac \ucc28\uc774’ \ud604\uc0c1\uc774 \uc774\uc5b4\uc9c0\uba74\uc11c \ucc28\uc8fc\ub4e4\uc758 \uc2dc\ub984\uc774 \uae4a\uc5b4\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ud83d\udcb0 \uc774\uc790 \ube44\uc6a9 \uacc4\uc0b0: \ub300\ucd9c \uc720\uc9c0 vs \uc911\ub3c4\uc0c1\ud658 \ud6c4 \uac08\uc544\ud0c0\uae30<\/h2>\n

\ub300\ud658\ub300\ucd9c\uc744 \uc2e4\ud589\ud558\uae30 \uc804 \ubc18\ub4dc\uc2dc \uac70\uccd0\uc57c \ud558\ub294 \uacfc\uc815\uc740 ‘\uac08\uc544\ud0c0\uae30 \uc190\uc775\ubd84\uae30\uc810’<\/strong>\uc744 \uacc4\uc0b0\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uae30\uc874 \ub300\ucd9c\uc744 \uadf8\ub300\ub85c \uc720\uc9c0\ud560 \ub54c \ub0b4\uc57c \ud558\ub294 \ub204\uc801 \uc774\uc790\uc640, \ub300\ucd9c\uc744 \uc911\ub3c4\uc5d0 \uc0c1\ud658\ud558\uba74\uc11c \ubc1c\uc0dd\ud558\ub294 \uc218\uc218\ub8cc \ubc0f \ubd80\ub300\ube44\uc6a9\uc744 \uc9c0\ubd88\ud558\uace0 \uc800\uae08\ub9ac\ub85c \uac08\uc544\ud0c8 \ub54c\uc758 \ucd1d\ube44\uc6a9\uc744 \uc815\ubc00\ud558\uac8c \ube44\uad50\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

    \n
  • \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc \ud655\uc778:<\/strong> \ud1b5\uc0c1\uc801\uc73c\ub85c \ub300\ucd9c \uc2e4\ud589 \ud6c4 3\ub144\uc774 \uacbd\uacfc\ud558\uba74 \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc\uac00 \uba74\uc81c\ub429\ub2c8\ub2e4. \ud558\uc9c0\ub9cc 3\ub144 \uc774\ub0b4\ub77c\uba74 \ub0a8\uc740 \uae30\uac04\uc5d0 \ube44\ub840\ud574 \ubcf4\ud1b5 0.5% ~ 1.4%\uc758 \uc218\uc218\ub8cc\uac00 \ubd80\uacfc\ub429\ub2c8\ub2e4.<\/li>\n
  • \uc774\uc790 \uc808\uac10\uc561 \uc2dc\ubbac\ub808\uc774\uc158:<\/strong> \uc608\ub97c \ub4e4\uc5b4 \ub300\ucd9c \uc794\uc561\uc774 2\uc5b5 \uc6d0\uc774\uace0 \uc794\uc5ec \uae30\uac04\uc774 20\ub144\uc77c \ub54c, \uae08\ub9ac\ub97c 1%\ud3ec\uc778\ud2b8\ub9cc \ub0ae\ucd94\uc5b4\ub3c4 \uc5f0\uac04 \uc57d 200\ub9cc \uc6d0 \uc0c1\ub2f9\uc758 \uc774\uc790\ub97c \uc544\ub084 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub9cc\uc57d \uc774\ub54c \ubc1c\uc0dd\ud558\ub294 \uc911\ub3c4\uc0c1\ud658\uc218\uc218\ub8cc\uac00 150\ub9cc \uc6d0\uc774\ub77c\uba74, \uac08\uc544\ud0c4 \uc9c0 1\ub144\uc774 \uc9c0\ub098\uae30 \uc804\uc5d0 \uc218\uc218\ub8cc \ubd80\ub2f4\uc744 \ubaa8\ub450 \uc0c1\uc1c4\ud558\uace0 \uc774\ud6c4\ubd80\ud130\ub294 \uc21c\uc218\ud558\uac8c \uc774\uc790 \ube44\uc6a9\uc744 \uc808\uac10\ud558\uac8c \ub429\ub2c8\ub2e4.<\/li>\n
  • \ub300\ucd9c \uc794\uc561\uacfc \uc794\uc5ec \uae30\uac04\uc758 \uc911\uc694\uc131:<\/strong> \ub300\ucd9c \uc794\uc561\uc774 \ub9ce\uace0 \ub0a8\uc740 \ub300\ucd9c \uae30\uac04\uc774 \uae38\uc218\ub85d \uae08\ub9ac \uc778\ud558\uc5d0 \ub530\ub978 \ub204\uc801 \uc774\uc790 \uc808\uac10 \ud6a8\uacfc\uac00 \uae30\ud558\uae09\uc218\uc801\uc73c\ub85c \ucee4\uc9d1\ub2c8\ub2e4. \ubc18\ub300\ub85c \uc794\uc561\uc774 \uc5bc\ub9c8 \ub0a8\uc9c0 \uc54a\uc558\uac70\ub098 \ub9cc\uae30\uac00 \ucf54\uc55e\uc774\ub77c\uba74 \uc218\uc218\ub8cc\ub97c \ub0b4\uace0 \uac08\uc544\ud0c0\ub294 \uac83\uc774 \uc624\ud788\ub824 \uc190\ud574\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n

    \ud83d\udd0d \uae08\ub9ac \uc808\uac10\ub960 \ub192\uc740 \uac00\uc131\ube44 \ub300\ud658\ub300\ucd9c \ub300\uc548 \uc0c1\ud488<\/h2>\n

    \ub300\ucd9c \uc774\uc790 \ube44\uc6a9\uc744 \ud6a8\uacfc\uc801\uc73c\ub85c \ub0ae\ucd94\uae30 \uc704\ud574\uc11c\ub294 \uc2dc\uc911\uc740\ud589\uc758 \ub300\ud658\ub300\ucd9c \ud50c\ub7ab\ud3fc\uacfc \uc815\ubd80 \uc9c0\uc6d0 \uc815\ucc45\uc790\uae08\uc744 \uaf3c\uaf3c\ud558\uac8c \ube44\uad50\ud574\uc57c \ud569\ub2c8\ub2e4. \uac01 \uc0c1\ud488\ubcc4 \ud2b9\uc9d5\uacfc \uac00\uc131\ube44\ub97c \ube44\uad50\ud558\uba74 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n

    1. \ubaa8\ubc14\uc77c \uc571 \uae30\ubc18 \ub300\ud658\ub300\ucd9c \ud50c\ub7ab\ud3fc<\/h3>\n

    \ucd5c\uadfc \ud65c\uc131\ud654\ub41c \ube44\ub300\uba74 \ub300\ud658\ub300\ucd9c \uc11c\ube44\uc2a4(\ud540\ub2e4, \uce74\uce74\uc624\ud398\uc774, \ud1a0\uc2a4, \ub124\uc774\ubc84\ud398\uc774 \ub4f1)\ub97c \uc774\uc6a9\ud558\uba74 \uc5ec\ub7ec \uae08\uc735\uc0ac\uc758 \ucd5c\uc800 \uae08\ub9ac\ub97c \uc2e4\uc2dc\uac04\uc73c\ub85c \ube44\uad50\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc740\ud589\ub4e4\uc774 \uace0\uac1d \uc720\uce58\ub97c \uc704\ud574 \ud50c\ub7ab\ud3fc \uc804\uc6a9 \uc6b0\ub300\uae08\ub9ac\ub97c \uc81c\uacf5\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc544 \uc624\ud504\ub77c\uc778 \ucc3d\uad6c\ubcf4\ub2e4 \uc720\ub9ac\ud55c \uc870\uac74\uc73c\ub85c \ub300\ud658\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n

    2. \uc815\ubd80 \uc9c0\uc6d0 \uc815\ucc45\uc790\uae08 \ub300\uc548<\/h3>\n

    \uc18c\ub4dd \ubc0f \uc8fc\ud0dd \uac00\uaca9 \uc870\uac74\uc744 \ucda9\uc871\ud55c\ub2e4\uba74 \uc8fc\ud0dd\uae08\uc735\uacf5\uc0ac\uc758 \uc815\ucc45\uae08\uc735 \uc0c1\ud488\uc73c\ub85c \uac08\uc544\ud0c0\ub294 \uac83\uc774 \ucd5c\uc120\uc785\ub2c8\ub2e4. \ub514\ub524\ub3cc\ub300\ucd9c, \ubc84\ud300\ubaa9\uc804\uc138\uc790\uae08\ub300\ucd9c \ub4f1\uc740 \uc2dc\uc911\uc740\ud589 \uc77c\ubc18 \ub300\ucd9c \ub300\ube44 \uc555\ub3c4\uc801\uc73c\ub85c \ub0ae\uc740 \uace0\uc815\uae08\ub9ac\ub97c \uc81c\uacf5\ud558\ubbc0\ub85c \uc6b0\uc120\uc801\uc73c\ub85c \uc2e0\uccad \uc790\uaca9\uc744 \uc870\ud68c\ud574 \ubcf4\uc544\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

    3. \uc8fc\uae30\ud615(\ud63c\ud569\ud615) \uc548\uc2ec\uc804\ud658 \ub300\ucd9c \ubc0f \ud2b9\ub840 \uc0c1\ud488<\/h3>\n

    \uae08\ub9ac \ubcc0\ub3d9 \ub9ac\uc2a4\ud06c\ub97c \ucd5c\uc18c\ud654\ud558\uae30 \uc704\ud574 \uc77c\uc815 \uae30\uac04 \uace0\uc815\uae08\ub9ac\uac00 \uc720\uc9c0\ub418\ub294 \uc8fc\uae30\ud615 \ub300\ud658 \uc0c1\ud488\ub3c4 \uc88b\uc740 \uac00\uc131\ube44 \ub300\uc548\uc785\ub2c8\ub2e4. \ud5a5\ud6c4 \ud55c\uad6d\uc740\ud589 \uae30\uc900\uae08\ub9ac \ubcc0\ub3d9 \ucd94\uc774\ub97c \uad00\ub9dd\ud558\uba74\uc11c\ub3c4 \ub2f9\uc7a5\uc758 \ub192\uc740 \ubcc0\ub3d9\uae08\ub9ac \uc704\ud5d8\uc5d0\uc11c \ubc97\uc5b4\ub0a0 \uc218 \uc788\ub294 \uc548\uc804\uc7a5\uce58\uac00 \ub429\ub2c8\ub2e4.<\/p>\n

    \u26a0\ufe0f \ub300\ud658\ub300\ucd9c \uc2e4\ud589 \uc2dc \ub193\uce58\uae30 \uc26c\uc6b4 \uc228\uc740 \ube44\uc6a9\uacfc \ud568\uc815<\/h2>\n

    \uac89\uc73c\ub85c \ubcf4\uc774\ub294 \ub300\ucd9c \uae08\ub9ac\uac00 \ub0ae\uc544\uc9c4\ub2e4\uace0 \ud574\uc11c \ubb34\uc870\uac74 \uc774\ub4dd\uc740 \uc544\ub2d9\ub2c8\ub2e4. \uc2e4\uc81c \uc2e4\ud589 \uacfc\uc815\uc5d0\uc11c \uc608\uc0c1\uce58 \ubabb\ud55c \uc9c0\ucd9c\uc774 \ubc1c\uc0dd\ud574 \uac00\uc131\ube44\uac00 \ub5a8\uc5b4\uc9c8 \uc218 \uc788\uc73c\ubbc0\ub85c \ub2e4\uc74c \ud56d\ubaa9\ub4e4\uc744 \ucca0\uc800\ud788 \uc810\uac80\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

      \n
    • \uc778\uc9c0\uc138 \ubc0f \uadfc\uc800\ub2f9\uad8c \uc124\uc815\ube44:<\/strong> \uc2e0\uaddc \ub300\ucd9c\uc744 \uc77c\uc73c\ud0ac \ub54c \ubc1c\uc0dd\ud558\ub294 \uc778\uc9c0\uc138\ub294 \uc740\ud589\uacfc \uace0\uac1d\uc774 50%\uc529 \ubd80\ub2f4\ud558\uba70, \ub300\ucd9c \uae08\uc561\uc5d0 \ub530\ub77c \uc218\ub9cc \uc6d0\uc5d0\uc11c \uc218\uc2ed\ub9cc \uc6d0\uae4c\uc9c0 \ubc1c\uc0dd\ud569\ub2c8\ub2e4. \ub610\ud55c \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc758 \uacbd\uc6b0 \uc8fc\ud0dd\uc5d0 \ub300\ud55c \uadfc\uc800\ub2f9\uad8c \uc124\uc815 \ubc0f \ub9d0\uc18c \ube44\uc6a9\uc774 \ucd94\uac00\ub85c \ubc1c\uc0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n
    • \uc6b0\ub300\uae08\ub9ac \uc870\uac74 \uc720\uc9c0\uc758 \uc5b4\ub824\uc6c0:<\/strong> \ub300\ud658\ub300\ucd9c \uad11\uace0 \uae08\ub9ac\ub294 \ub300\uac1c \ucd5c\uace0 \uc6b0\ub300 \uc870\uac74(\uae09\uc5ec \uc774\uccb4, \uc2e0\uc6a9\uce74\ub4dc \uc6d4 \uc2e4\uc801, \uc790\ub3d9\uc774\uccb4 3\uac74 \uc774\uc0c1 \ub4f1)\uc744 \ubaa8\ub450 \ucda9\uc871\ud588\uc744 \ub54c\ub97c \uac00\uc815\ud569\ub2c8\ub2e4. \ud604\uc2e4\uc801\uc73c\ub85c \uc774 \uc870\uac74\ub4e4\uc744 \ubaa8\ub450 \uc9c0\ud0a4\uae30 \uc5b4\ub835\ub2e4\uba74 \uc2e4\uc81c \uc801\uc6a9 \uae08\ub9ac\ub294 \uad11\uace0\ubcf4\ub2e4 \ud6e8\uc52c \ub192\uc544\uc9d1\ub2c8\ub2e4.<\/li>\n
    • \uc2e0\uc6a9\uc810\uc218 \ubc0f \ud55c\ub3c4 \ubcc0\ud654:<\/strong> \ub300\ud658 \uacfc\uc815\uc5d0\uc11c \uc2e0\uc6a9\uc810\uc218\uac00 \uc77c\uc2dc\uc801\uc73c\ub85c \ubcc0\ub3d9\ub420 \uc218 \uc788\uc73c\uba70, \ucd5c\uadfc \uac15\ud654\ub41c DSR(\ucd1d\ubd80\ucc44\uc6d0\ub9ac\uae08\uc0c1\ud658\ube44\uc728) \uaddc\uc81c\ub85c \uc778\ud574 \uae30\uc874 \ub300\ucd9c\uc744 \uc0c1\ud658\ud558\uace0 \uc0c8\ub85c \ub300\ucd9c\uc744 \ubc1b\uc744 \ub54c \ub300\ucd9c \ud55c\ub3c4\uac00 \uc624\ud788\ub824 \uc904\uc5b4\ub4dc\ub294 \uc0c1\ud669\uc774 \ubc1c\uc0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n

      \ud83d\udca1 \uae08\ub9ac \ubcc0\ub3d9\uae30 \uae08\uc735 \ube44\uc6a9 \ucd5c\uc18c\ud654\ub97c \uc704\ud55c \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc804\ub7b5<\/h2>\n

      \uc7a5\uae30\uc801\uc778 \uad00\uc810\uc5d0\uc11c \ud55c\uad6d\uc740\ud589 \uae30\uc900\uae08\ub9ac \uc608\uc0c1 \uc2dc\ub098\ub9ac\uc624\uc5d0 \ubd80\ud569\ud558\ub294 \ub611\ub611\ud55c \uc790\uc0b0 \ubc0f \ubd80\ucc44 \uad00\ub9ac \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\ucd95\ud574\uc57c \ud569\ub2c8\ub2e4. \uace0\uae08\ub9ac \uc815\uccb4\uae30\uc5d0\uc11c \ud558\ub77d\uae30\ub85c \ub118\uc5b4\uac00\ub294 \uacfc\ub3c4\uae30\uc5d0\ub294 \ub2e4\uc74c\uacfc \uac19\uc740 \uae08\uc735 \uc804\ub7b5\uc774 \uc694\uad6c\ub429\ub2c8\ub2e4.<\/p>\n

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      \ub458\uc9f8, \ubd80\ucc44 \ub2e4\uc774\uc5b4\ud2b8\uc758 \uc6b0\uc120\uc21c\uc704 \uc124\uc815<\/strong>\uc785\ub2c8\ub2e4. \uc5ec\ub7ec \uac1c\uc758 \ub300\ucd9c\uc744 \ubcf4\uc720\ud558\uace0 \uc788\ub2e4\uba74 \uae08\ub9ac\uac00 \uac00\uc7a5 \ub192\uc740 \uc2e0\uc6a9\ub300\ucd9c\uc774\ub098 \uce74\ub4dc\ub860\ubd80\ud130 \ub300\ud658\ub300\ucd9c\uc744 \ud1b5\ud574 \ud558\ub098\ub85c \ud1b5\ud569\ud558\uac70\ub098 \uc6b0\uc120 \uc0c1\ud658\ud574\uc57c \ud569\ub2c8\ub2e4. \ub2f4\ubcf4\ub300\ucd9c\uc5d0 \ube44\ud574 \uc2e0\uc6a9\ub300\ucd9c\uc740 \uae08\ub9ac \ubcc0\ub3d9 \ud3ed\uc774 \ud06c\uace0 \ud55c\uc740 \uae30\uc900\uae08\ub9ac \uc778\uc0c1\/\ub3d9\uacb0 \uae30\uc870\uc758 \uc601\ud5a5\uc744 \uc989\uac01\uc801\uc73c\ub85c \ubc1b\uae30 \ub54c\ubb38\uc5d0 \uc2e0\uc18d\ud55c \uad00\ub9ac\uac00 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.<\/p>\n

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