{"id":2551,"date":"2026-02-01T20:47:45","date_gmt":"2026-02-01T11:47:45","guid":{"rendered":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/01\/post-20260201-114745-8748\/"},"modified":"2026-03-19T12:55:49","modified_gmt":"2026-03-19T03:55:49","slug":"post-20260201-114745-8748","status":"publish","type":"post","link":"https:\/\/www.pensionfutureforum.org\/index.php\/2026\/02\/01\/post-20260201-114745-8748\/","title":{"rendered":"\uc9c0\uae08 \uc798 \uc0b4\uc790\uace0 \ud6c4\ub300 \ud5c8\ub9ac \ubd80\ub7ec\ub728\ub9b4 \uc21c \uc5c6\ub2e4.(2006. 11. 6)"},"content":{"rendered":"

(<\/strong>\ucd5c\uadfc<\/span> \ub354\ubd88\uc5b4\ubbfc\uc8fc\ub2f9 \uc5f0\uae08\ud2b9\uc704\uc5d0\uc11c \uae30\ucd08\uc5f0\uae08 \uac1c\ud3b8 \ubc29\ud5a5\uc5d0 \ub300\ud55c \ud1a0\ub860\ud68c\ub97c \uac1c\ucd5c\ud588\ub2e4. \uae30\ucd08\uc5f0\uae08\uc740 2007\ub144 4\uc6d4\uc5d0 \uc81c\uc815\ub41c \uae30\ucd08\ub178\ub839\uc5f0\uae08\uc5d0\uc11c \uc2dc\uc791\ub418\uc5c8\ub2e4. \ub2f9\uc2dc \uae30\ucd08\ub178\ub839\uc5f0\uae08 \ub3c4\uc785 \uad00\ub828\ud558\uc5ec \uc815\uce58\uad8c\uc5d0\uc11c\ub294 \uc0c1\ub2f9\ud55c \uc9c4\ud1b5\uc774 \uc788\uc5c8\ub2e4.<\/strong><\/span><\/span><\/p>\n

\uae30\ucd08\ub178\ub839\uc5f0\uae08\uc774 \ub3c4\uc785\ub418\uae30 5\uac1c\uc6d4 \uc804\uc5d0 \uc624\ub9c8\uc774\ub274\uc2a4\uac00 \uae30\ud68d\ud588\ub358 \uc57c\ub2f9\uc548\uacfc \uc815\ubd80\uc548\uc744 \uc9c0\uc9c0\ud558\ub294 \uc804\ubb38\uac00 \uce7c\ub7fc\uc744 \uc5ed\uc0ac\uc801\uc778 \uc0ac\ub8cc\ub85c \uc5f0\uae08\uc5f0\uad6c\ud68c \ud648\ud53c\uc5d0 \uc62c\ub9b0\ub2e4.<\/strong><\/span><\/p>\n

\ub2f9\uc2dc \uc815\ubd80\uc758 \uae30\ucd08\ub178\ub839\uc5f0\uae08 \ub3c4\uc785\uc744 \uc9c0\uc9c0\ud558\ub358 \uc724\uc11d\uba85\u00a0 \uc5f0\uad6c\uc704\uc6d0 \uce7c\ub7fc\uc774\ub2e4.)<\/strong><\/span><\/p>\n

\uc81c\ub3c4 \ub3c4\uc785 \uc774\ud6c4 20\ub144\ub3c4 \uacbd\uacfc\ud558\uc9c0 \uc54a\uc740 \uad6d\ubbfc\uc5f0\uae08\uc774 \ud638\ub41c \uc2dc\ub828\uae30\ub97c \ub9de\uace0 \uc788\ub2e4. \uad6d\ubbfc\uc5f0\uae08 \uac1c\ud601\ubc29\ud5a5\uc5d0 \uad00\ud574 \uc815\uce58\uad8c \ubc0f \uc774\ud574\uad00\uacc4\uc790\ub4e4\uc758 \uc785\uc7a5\uc5d0 \uc0c1\ub2f9\ud55c \ucc28\uc774\uac00 \uc788\uae30 \ub54c\ubb38\uc774\ub2e4.<\/strong><\/span><\/p>\n

\ud604\uc7ac \uad6d\ud68c\uc5d0 \uc81c\ucd9c\ub41c \uad6d\ubbfc\uc5f0\uae08 \uac1c\uc120\uc548\uc740 \ud06c\uac8c 3\uac00\uc9c0\ub85c \ub300\ubcc4\ub41c\ub2e4. \u25b2\uc7ac\uc815\uc548\uc815\ud654\uc5d0 \uce58\uc911\ud558\ub294 \uc815\ubd80\uc758 2003\ub144 \uad6d\ubbfc\uc5f0\uae08\ubc95 \uac1c\uc815\uc548 \u25b2\uc870\uc138\ubc29\uc2dd \uae30\ucd08\uc5f0\uae08 \ub3c4\uc785\uc744 \uc8fc\uc694 \uace8\uc790\ub85c \ud558\ub294 \uc57c\ub2f9\uc758 \uac1c\uc815\uc548 \u25b2\uc7ac\uc815\uc548\uc815\uacfc \uc0ac\uac01\uc9c0\ub300 \ud574\uc18c\ub97c \ub3d9\uc2dc\uc5d0 \ucd94\uad6c\ud558\ub294 \uc5f4\ub9b0\uc6b0\ub9ac\ub2f9\uc548\uc774 \ubc14\ub85c \uadf8\uac83\uc774\ub2e4.<\/strong><\/span><\/span><\/p>\n

\uc9c0\ub09c 10\uc6d4 \uc5f4\ub9b0\uc6b0\ub9ac\ub2f9\uc740 “\uc815\ubd80\uc548\uc774 \uc7ac\uc815 \uc548\uc815\uc5d0\ub9cc \uce58\uc911\ud560 \ubfd0 \uc0ac\uac01\uc9c0\ub300 \ud574\uc18c\ubc29\uc548\uc740 \uac04\uacfc\ud558\uace0 \uc788\ub2e4”\ub294 \ubb38\uc81c\uc81c\uae30\ub97c \ubc1b\uc544\ub4e4\uc774\uace0 \uc0c8\ub85c\uc6b4 \ubc95\uc548\uc744 \uc81c\ucd9c\ud558\uc600\ub2e4.<\/span><\/p>\n

\uad6d\ubbfc\uc5f0\uae08 \uc7ac\uc815\uc548\uc815\ud654\ub97c \uc704\ud574 \uc18c\ub4dd\ub300\uccb4\uc728\ub9cc 60%\uc5d0\uc11c 50%\ub85c 10% \ud3ec\uc778\ud2b8 \ud558\ud5a5\uc870\uc815\ud558\uace0 \ubcf4\ud5d8\ub8cc\ub294 \ud604\ud589\ub300\ub85c 9%\ub97c \uc720\uc9c0\ud558\ub418, 2008\ub144 \uc774\ud6c4 \ubcf4\ud5d8\ub8cc \uc778\uc0c1\uc5ec\ubd80\ub97c \uacb0\uc815\ud558\ub3c4\ub85d \ud558\ub294 \ub0b4\uc6a9\uc774\ub2e4. \uc5f0\uae08 \uc0ac\uac01\uc9c0\ub300\ub294 65\uc138 \uc774\uc0c1 \ub178\uc778 60%\uc5d0\uac8c \uc18c\ub4dd\uc218\uc900\uc5d0 \ub530\ub77c \uc6d4 7\ub9cc\uc6d0\uc5d0\uc11c 10\ub9cc\uc6d0\uae4c\uc9c0 \uc138\uae08\uc744 \uac77\uc5b4 \uae30\ucd08\ub178\ub839\uc5f0\uae08\uc744 \uc9c0\uae09\ud558\ub294 \ubc29\uc2dd\uc73c\ub85c \uc811\uadfc\ud588\ub2e4.<\/span><\/p>\n

(\uc911\ub7b5)<\/span><\/p>\n

\uae08\ub144 6\uc6d4\uc5d0 \uc81c\uc2dc\ub41c \uc815\ubd80\uc758 \uad6d\ubbfc\uc5f0\uae08 \uac1c\ud601 \ubc29\ud5a5\uc740 \uc880 \ub354 \uac15\ub825\ud55c \uc7ac\uc815\uc548\uc815\ud654 \ubaa8\uc0c9\uacfc \uad6d\ubbfc\uc5f0\uae08 \ubc1c\uc804 \ucd94\uc774\ub97c \uac10\uc548\ud55c \uc0ac\uac01\uc9c0\ub300 \ud574\uc18c\ubc29\uc548\uc73c\ub85c \uc694\uc57d\ud560 \uc218 \uc788\ub2e4. <\/span><\/strong><\/span><\/p>\n

\uc7ac\uc815\uacc4\uc0b0\uc758 \uc77c\ud658\uc73c\ub85c 2003\ub144 \uc815\ubd80\uac00 \uad6d\ud68c\uc5d0 \uc81c\ucd9c\ud55c \uad6d\ubbfc\uc5f0\uae08\ubc95 \uac1c\uc815\uc548\uc740 2008\ub144\uae4c\uc9c0 \uc18c\ub4dd\ub300\uccb4\uc728\uc744 60%\uc5d0\uc11c 50%\ub85c 10% \ud3ec\uc778\ud2b8 \ud558\ud5a5\uc870\uc815\ud558\uace0, \ubd80\ub2f4\uc218\uc900\uc740 9%\uc5d0\uc11c 2030\ub144\uae4c\uc9c0 15.9%\ub85c \uc0c1\ud5a5\uc870\uc815\ud558\ub294 \uc548\uc774\uc5c8\ub2e4.<\/span><\/p>\n

\uc774\uac19\uc740 \uc815\ubd80\uc548 \uc81c\ucd9c \uc774\ud6c4 \ub450 \uac00\uc9c0 \ubcc0\uc218\uac00 \uc0dd\uaca8\ub0ac\ub2e4.<\/span> \ud558\ub098\ub294 \uc7ac\uc815\uc548\uc815\uc5d0\ub9cc \uc2e0\uacbd\uc4f8 \ubfd0 \uc0ac\uac01\uc9c0\ub300 \ud574\uc18c\ubc29\uc548\uc774 \uc5c6\ub2e4\ub294 \ube44\ud310\uc774 \uac70\uc138\uac8c \uc81c\uae30\ub41c \uac83\uc774\ub2e4. <\/span><\/span><\/strong><\/p>\n

\ub610 \ub2e4\ub978 \ubcc0\uc218\ub294 2005\ub144 12\uc6d4\ubd80\ud130 \uae30\uc874\uc758 \ud1f4\uc9c1\uae08\uc744 \ud1f4\uc9c1\uc5f0\uae08\uc73c\ub85c \uc804\ud658\ud558\ub294 \uc81c\ub3c4\uac00 \uc2dc\ud589\ub418\uc5c8\ub2e4\ub294 \uc810\uc774\ub2e4. <\/span><\/strong><\/span><\/p>\n

\ud1f4\uc9c1\uae08 8.3%\ub97c \ud1f4\uc9c1\uc5f0\uae08\uc73c\ub85c \uc804\ud658\ud560 \uacbd\uc6b0 20% \uc815\ub3c4\uc758 \uc18c\ub4dd\ub300\uccb4\uc728\uc774 \uc608\uc0c1\ub428\uc5d0 \ub530\ub77c, \uc7a5\uae30\uc801\uc778 \uc548\ubaa9\uc5d0\uc11c \uad6d\ubbfc\uc5f0\uae08 \uc18c\ub4dd\ub300\uccb4\uc728\uc744 \ud558\ud5a5 \uc870\uc815\ud560 \uc5ec\uc9c0\uac00 \uc0dd\uaca8\ub0ac\ub2e4\uace0 \ud310\ub2e8\ud55c \uac83\uc774\ub2e4.<\/span><\/strong><\/p>\n

\ubd80\ub2f4\uce21\uba74\uc5d0\uc11c \uc7a5\uae30\uc801\uc73c\ub85c 15.9%\uc758 \uad6d\ubbfc\uc5f0\uae08 \ubcf4\ud5d8\ub8cc\uc640 8.3%\uc758 \ud1f4\uc9c1\uc5f0\uae08 \ubcf4\ud5d8\ub8cc\uac00 \uacb0\ud569\ud560 \uacbd\uc6b0 \ubd80\ub2f4\uc218\uc900\uc774 24.2%\ub85c \uc9c0\ub098\uce58\uac8c \ub192\uc544\uc9c8 \uac83\uc774\ub77c\ub294 \uc810\ub3c4 \uace0\ub824\ub410\ub2e4.<\/strong><\/span><\/p>\n

(\uc911\ub7b5)<\/span><\/p>\n

\n
\uae08\ub144 6\uc6d4\uc758 \uc815\ubd80\uc548\uc740 \uc7ac\uc815\uc548\uc815\uacfc \uad00\ub828\ud574 \ud604\uc7ac 60%\uc778 \uc18c\ub4dd\ub300\uccb4\uc728\uc744 2030\ub144\uc5d0 \uac00\uc11c\uc57c 40%\ub85c 20% \ud3ec\uc778\ud2b8\ub97c \uac10\uc18c\uc2dc\ud0a4\ub294 \ub300\uc2e0 \ubcf4\ud5d8\ub8cc \ubd80\ub2f4\uc218\uc900\uc740 13% \uc774\ud558\ub85c \ubb36\ub294 \uc548\uc774\ub2e4.<\/span><\/strong><\/span><\/div>\n
<\/div>\n
2005\ub144 12\uc6d4 \ud1f4\uc9c1\uc5f0\uae08\uc81c\ub3c4\uac00 \ub3c4\uc785\ub41c \uc774\uc0c1 \ud5a5\ud6c4 25\ub144 \ub3d9\uc548 \ud6a8\uacfc\uc801\uc778 \ub178\ud6c4\uc18c\ub4dd\ubcf4\uc7a5\uccb4\uacc4\ub97c \uad6c\ucd95\ud560 \uacbd\uc6b0 \ud1f4\uc9c1\uc5f0\uae08\uc774 \ub178\ud6c4\uc18c\ub4dd\ubcf4\uc7a5\uc758 \ud55c \ucd95\uc73c\ub85c \uc790\ub9ac\uc7a1\uac8c \ub418\uc5b4 \uad6d\ubbfc\uc5f0\uae08\uc758 \uc5ed\ud560\uc744 \uadf8\ub9cc\ud07c \ucd95\uc18c\ud560 \uc218 \uc788\uc744 \uac83\uc73c\ub85c \ud310\ub2e8\ud55c \uac83\uc774\ub2e4.<\/span><\/div>\n<\/div>\n

\ubc18\uba74 \ud604 \ub178\ub839\uce35\uc758 \uc18c\ub4dd\ubcf4\uc7a5\uc0ac\uac01\uc9c0\ub300 \ubb38\uc81c\uac00 \uc2ec\uac01\ud558\ub2e4\ub294 \uc778\uc2dd \ud558\uc5d0 65\uc138 \uc774\uc0c1 \ub178\uc778 45%\uc5d0 \ub300\ud574\uc11c\ub294 \uc138\uae08\uc744 \uac77\uc5b4 \uc6d4 8\ub9cc\uc6d0\uc758 \uae30\ucd08\ub178\ub839\uc5f0\uae08\uc744 \uc9c0\uae09\ud568\uc73c\ub85c\uc368 \ub178\uc778\ube48\uace4\ubb38\uc81c\ub97c<\/strong> \ud574\uacb0\ud558\uace0\uc790 \ud588\ub2e4.<\/strong><\/span><\/span><\/p>\n

\uc138\uae08\uc744 \uac77\uc5b4 \uc5f0\uae08\uc744 \uc9c0\uae09\ud55c\ub2e4\ub294 \uce21\uba74\uc5d0\uc11c \uc57c\ub2f9\uc758 \uc870\uc138\ubc29\uc2dd \uae30\ucd08\uc5f0\uae08\uacfc \uacf5\ud1b5\uc810\uc774 \uc788\uc74c\uc5d0\ub3c4 \uc815\ubd80\uc548\uc740 \uc5ec\ub2f9\uc548\uc740 \ubb3c\ub860 \uc57c\ub2f9\uc548\uacfc \uc0c1\ub2f9\ud55c \ucc28\uc774\uac00 \uc788\ub2e4. <\/span><\/strong><\/p>\n

\uc815\ubd80\uc548\uc740 \ud55c\uad6d\ubcf4\uac74\uc0ac\ud68c\uc5f0\uad6c\uc6d0\uc758 \ub178\uc778\ubcf5\uc9c0\uc695\uad6c \uc870\uc0ac\uc5d0 \uc758\ud574 \uc815\ubd80\uc758 \uc9c0\uc6d0\uc744 \ud544\uc694\ub85c \ud558\ub294 \ub178\uc778\uc774 65\uc138 \uc774\uc0c1 \uc804\uccb4 \ub178\uc778\uc758 45% \uac00\ub7c9 \ub420 \uac83\uc774\ub77c\ub294 \uc5f0\uad6c\uc790\ub8cc\uc5d0 \uadfc\uac70\ud558\uace0 \uc788\ub2e4.<\/span><\/strong><\/span><\/p>\n

(\uc911\ub7b5)<\/span><\/p>\n

\uc9c0\uae09\ub418\ub294 \uc5f0\uae08\uc561\uc5d0 \ub530\ub77c \uc815\ub3c4\uc758 \ucc28\uc774\ub294 \uc788\uc73c\ub098, \uae30\ucd08\uc5f0\uae08\uc744 \ub3c4\uc785\ud560 \uacbd\uc6b0 \ub178\uc778\ube48\uace4\ubb38\uc81c\ub294 \ud68d\uae30\uc801\uc73c\ub85c \uac1c\uc120\ub420 \uac83\uc774\ub2e4. <\/span><\/p>\n

\uc694\uc988\uc74c \uc5b8\ub860\uc5d0 \uc790\uc8fc \ub4f1\uc7a5\ud558\ub294 \ud559\ub300\ubc1b\ub294 \ub178\uc778 \ub4f1 \uae09\uc18d\ud55c \uc0b0\uc5c5\ud654 \uacfc\uc815\uc5d0\uc11c \uc790\uc2e0\uc758 \ub178\ud6c4\ub300\ucc45\uc744 \ub9c8\ub828\ud558\uc9c0 \ubabb\ud55c \ub178\uc778\ub4e4\uc5d0 \ub300\ud55c \ud6a8\uacfc\uc801\uc778 \uc18c\ub4dd\ubcf4\uc7a5\uc81c\ub3c4\ub85c \uc790\ub9ac\uc7a1\uc744 \uc218 \uc788\uc744 \uac83\uc774\ub2e4.<\/span><\/p>\n

\uadf8\ub7fc\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc815\ubd80\ub294 \uc65c \uc774\ub807\uac8c \uc88b\uc740 \uc81c\ub3c4\uc758 \ub3c4\uc785\uc744 \ubc18\ub300\ud558\uace0 \uc788\ub294 \uac83\uc77c\uae4c? \uad6d\uac00\uc758 \uc0b4\ub9bc\uc744 \ucc45\uc784\uc9c0\uace0 \uc788\ub294 \uc815\ubd80\ub85c\uc11c\ub294 \uc81c\ub3c4\ub3c4\uc785 \uc774\ud6c4 \uc7a5\uae30\uc801\uc73c\ub85c \uc0dd\uaca8\ub0a0 \ubd80\uc815\uc801\uc778 \ud6a8\uacfc\ub97c \uac10\uc548\ud558\uace0 \uc788\uae30 \ub54c\ubb38\uc774\ub2e4.<\/span><\/strong><\/span><\/p>\n

(\uc911\ub7b5)<\/span><\/p>\n

\ub530\ub77c\uc11c \uc870\uc138\ubc29\uc2dd \uae30\ucd08\uc5f0\uae08\uc744 \ub3c4\uc785\ud560 \uacbd\uc6b0 \uc9c0\uae08 \ub2f9\uc7a5\uc740 \ud070 \ubb38\uc81c\uac00 \uc5c6\uc744 \uac83\uc774\ub098 \ucd08\uace0\ub839\uc0ac\ud68c\uc5d0 \uc9c4\uc785\ud560 2020\ub144 \uc774\ud6c4 \uc5c4\uccad\ub09c \uc7ac\uc6d0\uc18c\uc694\ub85c \uc778\ud574 \ud6c4\uc138\ub300\uc758 \ud5c8\ub9ac\uac00 \ubd80\ub7ec\uc9c8 \uc704\ud5d8\uc774 \uc788\ub2e4. <\/span><\/p>\n

\uc6b0\ub9ac \uc798 \uba39\uace0 \uc798 \uc0b4\uc790\uace0 \ud6c4\uc138\ub300\uc758 \ud5c8\ub9ac\ub97c \ubd80\ub7ec\ub728\ub9b4 \uc218\ub294 \uc5c6\ub2e4\ub294 \uac83\uc774 \uc815\ubd80\uc758 \uc785\uc7a5\uc774\ub2e4. \uadf8\uac83\ub3c4 \uc544\uc9c1 \ud0dc\uc5b4\ub098\uc9c0\ub3c4 \uc54a\uc740 \ud6c4 \uc138\ub300\uc5d0\uac8c\ub294 \ubb3c\uc5b4\ubcf4\uc9c0\ub3c4 \uc54a\uace0 \ubd80\ub2f4\uc744 \ub5a0\ub118\uae34\ub2e4\ub294 \uac83\uc740 \ub108\ubb34 \ubb34\ucc45\uc784\ud558\ub2e4\ub294 \uac83\uc774\ub2e4.<\/span><\/strong><\/span><\/p>\n

\uc9c0\uae08\ubcf4\ub2e4 \ub35c \ubc1b\ub294 \ubc29\ud5a5\uc73c\ub85c\uc758 \uad6d\ubbfc\uc5f0\uae08 \uc81c\ub3c4\uac1c\uc120\uc5d0 \ub300\ud574 \ub300\ub2e4\uc218 \uad6d\ubbfc\ub4e4\uc774 \ubabb\ub9c8\ub545\ud574 \ud558\uace0 \uc788\ub294 \uac83\uc744 \uc54c\uba74\uc11c\ub3c4 \uc815\ubd80\ub294 \uc5f0\uae08\uc561 \uc0ad\uac10\ubc29\uc548\uc744 \uc81c\uc2dc\ud558\uace0 \uc788\ub2e4. <\/span><\/strong><\/p>\n

\uc778\uae30\uac00 \uc5c6\ub354\ub77c\ub3c4 \uad6d\uac00\uc758 \ubc31\ub144\ub300\uacc4\ub97c \ucc45\uc784\uc9c0\uace0 \uc788\ub294 \uc815\ubd80\uc758 \uc785\uc7a5\uc5d0\uc11c\ub294 \ubd88\uac00\ud53c\ud55c \uc120\ud0dd\uc77c \uac83\uc774\ub2e4.<\/span><\/strong><\/span><\/p>\n

https:\/\/m.ohmynews.com\/NWS_Web\/Mobile\/at_pg.aspx?CNTN_CD=A0000371371&CMPT_CD=SEARCH#cb<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

(\ucd5c\uadfc \ub354\ubd88\uc5b4\ubbfc\uc8fc\ub2f9 \uc5f0\uae08\ud2b9\uc704\uc5d0\uc11c \uae30\ucd08\uc5f0\uae08 \uac1c\ud3b8 \ubc29\ud5a5\uc5d0 \ub300\ud55c \ud1a0\ub860\ud68c\ub97c \uac1c\ucd5c\ud588\ub2e4. \uae30\ucd08\uc5f0\uae08\uc740 2007\ub144 4\uc6d4\uc5d0 \uc81c\uc815\ub41c \uae30\ucd08\ub178\ub839\uc5f0\uae08\uc5d0\uc11c \uc2dc\uc791\ub418\uc5c8\ub2e4. \ub2f9\uc2dc \uae30\ucd08\ub178\ub839\uc5f0\uae08 \ub3c4\uc785 \uad00\ub828\ud558\uc5ec \uc815\uce58\uad8c\uc5d0\uc11c\ub294 \uc0c1\ub2f9\ud55c \uc9c4\ud1b5\uc774 \uc788\uc5c8\ub2e4. \uae30\ucd08\ub178\ub839\uc5f0\uae08\uc774 \ub3c4\uc785\ub418\uae30 5\uac1c\uc6d4 \uc804\uc5d0 \uc624\ub9c8\uc774\ub274\uc2a4\uac00 \uae30\ud68d\ud588\ub358 \uc57c\ub2f9\uc548\uacfc \uc815\ubd80\uc548\uc744 \uc9c0\uc9c0\ud558\ub294 \uc804\ubb38\uac00 \uce7c\ub7fc\uc744 \uc5ed\uc0ac\uc801\uc778 \uc0ac\ub8cc\ub85c \uc5f0\uae08\uc5f0\uad6c\ud68c \ud648\ud53c\uc5d0 \uc62c\ub9b0\ub2e4. \ub2f9\uc2dc \uc815\ubd80\uc758 \uae30\ucd08\ub178\ub839\uc5f0\uae08 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