{"id":20623,"date":"2022-11-14T17:53:46","date_gmt":"2022-11-14T08:53:46","guid":{"rendered":"https:\/\/inpyeonglaw.com\/?p=20623"},"modified":"2024-09-11T13:02:47","modified_gmt":"2024-09-11T04:02:47","slug":"%ed%8a%b9%ec%a0%95%ea%b8%88%ec%9c%b5%ec%a0%95%eb%b3%b4%eb%b2%95%ed%8a%b9%ea%b8%88%eb%b2%95-%ea%b0%80%ec%83%81%ec%9e%90%ec%82%b0%ec%82%ac%ec%97%85%ec%9e%90-%ec%a4%91%ec%9a%94%ec%82%ac%ed%95%ad","status":"publish","type":"post","link":"https:\/\/inpyeonglaw.com\/archives\/20623\/","title":{"rendered":"\ud2b9\uc815\uae08\uc735\uc815\ubcf4\ubc95(\ud2b9\uae08\ubc95), \uac00\uc0c1\uc790\uc0b0\uc0ac\uc5c5\uc790 \uc911\uc694\uc0ac\ud56d \uc815\ub9ac"},"content":{"rendered":"<p><span style=\"font-size: 14pt;\">\ud2b9\uc815\uae08\uc735\uc815\ubcf4\ubc95(\uc774\ud558 \u2018\ud2b9\uae08\ubc95\u2019)\uc740 \uac00\uc0c1\uc790\uc0b0\uc758 \uc775\uba85\uc131\uc73c\ub85c \uc778\ud55c \uc790\uae08\uc138\ud0c1\uc758 \uc704\ud5d8\uc744 \uc608\ubc29\ud558\uae30 \uc704\ud574, \uac00\uc0c1\uc790\uc0b0\uc0ac\uc5c5\uc790\ub97c \uae08\uc735\ud68c\uc0ac\ub85c \ubcf4\uace0 \uac00\uc0c1\uc790\uc0b0\uc0ac\uc5c5\uc790\uc5d0 \ub300\ud574 \uc77c\uc815\ud55c \uc758\ubb34\ub97c \ubd80\uacfc\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. <\/span><\/p>\n<p><span style=\"font-size: 14pt;\">\uc790\uae08\uc138\ud0c1\ubc29\uc9c0 \uc758\ubb34\uc5d0 \ub530\ub77c \uac00\uc0c1\uc790\uc0b0\uc0ac\uc5c5\uc790\ub294 \uace0\uac1d\ud655\uc778\uc758\ubb34, \uc758\uc2ec\uac70\ub798 \ubcf4\uace0, \uac00\uc0c1\uc790\uc0b0\uc0ac\uc5c5\uc790\uc758 \uae08\uc735\uc815\ubcf4\ubd84\uc11d\uc6d0\uc5d0 \uc2e0\uace0 \uc758\ubb34\ub97c \uc774\ud589\ud558\uace0 \uace0\uac1d\ubcc4 \uac70\ub798\ub0b4\uc5ed \ubd84\ub9ac\u00b7\uad00\ub9ac \ub4f1\uc758 \uc870\uce58\ub97c \ucde8\ud558\uc5ec\uc57c \ud569\ub2c8\ub2e4(\ud2b9\uc815\uae08\uc735\uc815\ubcf4\ubc95 \uc81c4\uc870 \ub0b4\uc9c0 \uc81c8\uc870).<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 14pt;\">\uae08\uc735\uc815\ubcf4\ubd84\uc11d\uc6d0\uc740 \uc9c0\ub09c 9\uc6d4\uc5d0 \ud2b9\uae08\ubc95\uc5d0 \ub530\ub77c \uc2e0\uace0\ub41c \uac00\uc0c1\uc790\uc0b0\uc0ac\uc5c5\uc790\ub4e4\uc5d0 \ub300\ud558\uc5ec \uc790\uae08\uc138\ud0c1\ubc29\uc9c0\uccb4\uacc4\ub97c \uc798 \uad6c\ucd95\ud558\uace0 \uc774\ud589\ud558\ub294\uc9c0 \uc885\ud569\uc810\uac80\uc744 \uc2e4\uc2dc\ud558\uc600\uc2b5\ub2c8\ub2e4. \uc810\uac80 \uacb0\uacfc \uc77c\ubd80 \uc0ac\uc5c5\uc790\ub4e4\uc5d0\uac8c\uc11c \ud2b9\uae08\ubc95\uc5d0 \ub300\ud55c \uc774\ud574 \ubd80\uc871\uc73c\ub85c \uc790\uae08\uc138\ud0c1\ubc29\uc9c0 \uc758\ubb34 \uc774\ud589\uc5d0 \ubbf8\ud761\ud55c \uc810\ub4e4\uc774 \ud655\uc778\ub418\uc5b4 \uc544\ub798\uc758 \uad6c\uccb4\uc801 \uc0ac\ub840\ub4e4\uc744 \ud1b5\ud574 <strong>\uac00\uc0c1\uc790\uc0b0\uc0ac\uc5c5\uc790\uac00 \ub193\uce58\uae30 \uc26c\uc6b4 \uc790\uae08\uc138\ud0c1\ubc29\uc9c0\uc758\ubb34 \ubc0f \uc720\uc758\uc0ac\ud56d<\/strong>\uc744 \uad6c\uccb4\uc801\uc73c\ub85c \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"color: #666699; font-size: 18pt;\"><strong>\u25a0 \uac00\uc0c1\uc790\uc0b0\uc0ac\uc5c5\uc790\uac00 \ub193\uce58\uae30 \uc26c\uc6b4 \uc790\uae08\uc138\ud0c1\ubc29\uc9c0\uc758\ubb34 \ubc0f \uc720\uc758\uc0ac\ud56d<\/strong><\/span><\/p>\n<p><span style=\"font-size: 18pt;\"><strong>1. \uace0\uac1d\uc815\ubcf4\ud655\uc778(Know Your Customer)\uc758\ubb34 <\/strong><\/span><\/p>\n<p><strong><span style=\"font-size: 14pt;\">\u25c8 \uac1c\uc778\uace0\uac1d \uc815\ubcf4\ud655\uc778<\/span><\/strong><\/p>\n<table>\n<tbody>\n<tr>\n<td style=\"background-color: #dde5eb; width: 601px; vertical-align: middle;\" width=\"601\"><span style=\"font-size: 14pt;\">A\uc0ac\uc5c5\uc790\uc758 \uace0\uac1d\uc815\ubcf4 \uad00\ub9ac\uc2dc\uc2a4\ud15c\uc5d0 \ub2e4\uc218 \uace0\uac1d\uc758 \uc5f0\ub77d\ucc98, \uc8fc\uc18c \ub4f1\uc774 \ub204\ub77d\ub418\uc5b4 \uc788\uace0, \uac70\ub798\ubaa9\uc801 \ubc0f \uc790\uae08\ucd9c\ucc98\ub97c \uae30\uc785\ud558\ub294 \ub780\uc774 \uae30\uc7ac\ub418\uc9c0 \uc54a\uc544 \uace0\uac1d\uc815\ubcf4\ub97c \ud655\uc778\ud560 \uc218 \uc5c6\uace0 \uc790\uae08\uc138\ud0c1 \uc704\ud5d8\ud3c9\uac00\uac00 \ubd88\uac00\ub2a5\ud568<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-size: 14pt;\">\uac00\uc0c1\uc790\uc0b0\uc0ac\uc5c5\uc790\ub294 <strong><u>\uace0\uac1d\uc758 \uc2e0\uc6d0\uc5d0 \uad00\ud55c \uc0ac\ud56d(\uc2e4\uc9c0\uba85\uc758, \uc8fc\uc18c, \uc5f0\ub77d\ucc98 \ub4f1)\uc744 \ud655\uc778<\/u><\/strong>\ud574\uc57c \ud558\uba70, \ud2b9\ud788 \uc790\uae08\uc138\ud0c1\ud589\uc704\ub098 \uacf5\uc911\ud611\ubc15\uc790\uae08\uc870\ub2ec\ud589\uc704\ub97c \ud560 \uc6b0\ub824\uac00 \ub192\uc740 \uace0\uac1d(\uace0\uc704\ud5d8\uace0\uac1d)\uc5d0 \ub300\ud558\uc5ec\ub294 \ucd94\uac00\uc801\uc73c\ub85c <strong><u>\uac70\ub798\uc758 \ubaa9\uc801, \uc790\uae08\ucd9c\ucc98<\/u><\/strong>\ub97c \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4(\ud2b9\uae08\ubc95 \uc81c5\uc870\uc7582). \uc774\ub97c \uc704\ubc18\ud55c \uc0ac\uc5c5\uc790\ub294 3\ucc9c\ub9cc\uc6d0, \uace0\uc704\ud5d8\uace0\uac1d\uc778 \uacbd\uc6b0 1\uc5b5\uc6d0 \uc774\ud558\uc758 \uacfc\ud0dc\ub8cc\uac00 \ubd80\uacfc\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4(\ud2b9\uae08\ubc95 \uc81c20\uc870).<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">\ub530\ub77c\uc11c \uc0ac\uc5c5\uc790\ub294 \uace0\uac1d \uc2e0\uc6d0\uc815\ubcf4\ub97c \ud655\uc778\ud558\uace0 \ubd88\uc644\uc804\ud558\uac8c \uae30\uc785\ub418\uc5b4 \uc788\ub294 \uacbd\uc6b0 \uace0\uac1d\uc5d0\uac8c \ubcf4\uc644\uc694\uccad\uc744 \ud574\uc57c \ud569\ub2c8\ub2e4. \ud2b9\ud788 \uace0\uc704\ud5d8\uace0\uac1d\uc5d0 \ub300\ud574\uc11c\ub294 \uac70\ub798 \ubaa9\uc801, \uc790\uae08\ucd9c\ucc98\ub97c \uc9c1\uc811 \ud655\uc778\ud558\uace0 \ud574\ub2f9 \uace0\uac1d\uc758 \uac70\ub798\ud589\uc704\ub97c \ubaa8\ub2c8\ud130\ub9c1\ud558\uc5ec \uc758\uc2ec\uc2a4\ub7ec\uc6b4 \uac70\ub798\ub85c \ud310\ub2e8\ub418\ub294 \uacbd\uc6b0 \uae08\uc735\uc815\ubcf4\ubd84\uc11d\uc6d0\uc5d0 \uc9c0\uccb4\uc5c6\uc774 \ubcf4\uace0\ud574\uc57c \ud569\ub2c8\ub2e4.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 14pt;\">\u25c8 \ubc95\uc778\uace0\uac1d \uc2e4\uc81c\uc18c\uc720\uc790 \ud655\uc778<\/span><\/strong><\/p>\n<table>\n<tbody>\n<tr>\n<td style=\"background-color: #dde5eb; width: 601px;\" width=\"601\"><span style=\"font-size: 14pt;\">B\uc0ac\uc5c5\uc790\ub294 \ubc95\uc778 \uace0\uac1d\uc758 \uc2e4\uc81c \uc18c\uc720\uc790\ub97c \ud655\uc778\ud568\uc5d0 \uc788\uc5b4 \ucd5c\ub300\uc8fc\uc8fc(60% \uc9c0\ubd84)\uac00 \uc544\ub2cc 2\ub300 \uc8fc\uc8fc(40% \uc9c0\ubd84)\ub97c \uc2e4\uc81c \uc18c\uc720\uc790\ub85c \ud30c\uc545\ud558\uc5ec, \uc2e4\uc81c \uc18c\uc720\uc790\uc778 \ucd5c\ub300\uc8fc\uc8fc\uc5d0 \ub300\ud55c \uc2e0\uc6d0\uc815\ubcf4 \ud655\uc778 \ubc0f \uc694\uc8fc\uc758 \uc778\ubb3c \uc5ec\ubd80 \ud655\uc778\uc774 \ubd88\uac00\ub2a5\ud568<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-size: 14pt;\">\uac00\uc0c1\uc790\uc0b0\uc0ac\uc5c5\uc790\ub294 <strong><u>\uace0\uac1d\uc774 \ubc95\uc778\uc778 \uacbd\uc6b0<\/u><\/strong>\uc5d0 <strong><u>\ubc95\uc778\uc758 \uc2e4\uc81c \uc18c\uc720\uc790\ub97c \ud655\uc778<\/u><\/strong>\ud574\uc57c \ud558\ub294\ub370, \ubc95\uc778\uc758 \uc2e4\uc81c \uc18c\uc720\uc790\ub97c \ud655\uc778\ud558\ub294 \ubc29\ubc95\uc740 <u>25% \uc774\uc0c1\uc758 \uc9c0\ubd84\uc744 \uc18c\uc720\ud558\uace0 \uc788\ub294 \uc790\uc5f0\uc778\uc744 \uae30\uc900\uc73c\ub85c \ud558\uace0 \ud574\ub2f9\ud558\ub294 \uc0ac\ub78c\uc774 \uc5c6\ub294 \uacbd\uc6b0 \ucd5c\ub300\uc8fc\uc8fc\ub97c \uae30\uc900\uc73c\ub85c \ud558\uace0 \ud574\ub2f9\ud558\ub294 \uc0ac\ub78c\uc774 \uc5c6\ub294 \uacbd\uc6b0 \ub300\ud45c\uc790\ub97c \uae30\uc900<\/u>\uc73c\ub85c \ud569\ub2c8\ub2e4. \uac00\uc0c1\uc790\uc0b0\uc0ac\uc5c5\uc790\ub294 \uc774\ub807\uac8c \ud655\uc778\ud55c \ubc95\uc778\uc758 \uc2e4\uc81c \uc18c\uc720\uc790\uc5d0 \ub300\ud574\uc11c <strong><u>\uadf8\uc758 \uc774\ub984, \uc0dd\ub144\uc6d4\uc77c, \uad6d\uc801 \ub4f1\uc758 \uc2e0\uc6d0\uc815\ubcf4\ub97c <\/u><\/strong>\ud655\uc778\ud558\uace0 <strong><u>\uae08\uc735\uac70\ub798\uc81c\ud55c\ub300\uc0c1\uc790 \ub4f1 \uc694\uc8fc\uc758 \uc778\ubb3c\uc778\uc9c0 \uc5ec\ubd80\ub97c \ud655\uc778<\/u><\/strong>\ud560 \uc758\ubb34\uac00 \uc788\uc2b5\ub2c8\ub2e4(\ud2b9\uae08\ubc95 \uc81c5\uc870\uc7582, \ub3d9\ubc95 \uc2dc\ud589\ub839 \uc81c10\uc870\uc7585, \uc790\uae08\uc138\ud0c1\ubc29\uc9c0 \uc5c5\ubb34\uaddc\uc815 \uc81c43\uc870).<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 18pt;\"><strong>2. \uc758\uc2ec\uac70\ub798\ubcf4\uace0(Suspicious Transaction Report)\uc758\ubb34<\/strong><\/span><\/p>\n<p><strong><span style=\"font-size: 14pt;\">\u25c8 \uc758\uc2ec\uac70\ub798 \ubaa8\ub2c8\ud130\ub9c1 \uae30\uc900 \ubbf8\ud761<\/span><\/strong><\/p>\n<table>\n<tbody>\n<tr>\n<td style=\"background-color: #dde5eb; width: 601px; vertical-align: middle;\" width=\"601\"><span style=\"font-size: 14pt;\">C\uc0ac\uc5c5\uc790\ub294 \uace0\uac1d\uc758 \uc758\uc2ec\uc2a4\ub7ec\uc6b4 \uac70\ub798 \uc5ec\ubd80\ub97c \ubaa8\ub2c8\ud130\ub9c1\ud558\uae30 \uc704\ud574 \uc790\uccb4 \uc758\uc2ec\uac70\ub798 \ucd94\ucd9c\uae30\uc900\uc744 \ub9c8\ub828\ud558\uc5ec \uc6b4\uc601\uc911\uc774\uc5c8\uc73c\ub098 \uc77c\ubd80 \ucd94\ucd9c\uae30\uc900\uc5d0\uc11c \uc218\uac1c\uc6d4 \ub3d9\uc548 \uc758\uc2ec\uac70\ub798 \ucd94\ucd9c\uc774 \ub098\uc624\uc9c0 \uc54a\uc74c\uc5d0\ub3c4 \ud574\ub2f9 \uae30\uc900\uc758 \uc720\ud6a8\uc131\uc744 \uac80\uc99d\ud558\uc9c0 \uc54a\uc74c<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-size: 14pt;\">\uac00\uc0c1\uc790\uc0b0\uc0ac\uc5c5\uc790\ub294 <strong><u>\uace0\uac1d\uc758 \uac70\ub798\ub97c \uc9c0\uc18d\uc801\uc73c\ub85c \ubaa8\ub2c8\ud130\ub791\ud558\uace0 \ube44\uc815\uc0c1\uc801 \uac70\ub798\uc5d0 \uc8fc\uc758<\/u><\/strong>\ud558\uc5ec, <strong><u>\uae08\uc735\uac70\ub798\ub4f1\uacfc \uad00\ub828\ud558\uc5ec \uc218\uc218\ud55c \uc7ac\uc0b0\uc774 \ubd88\ubc95\uc7ac\uc0b0\uc774\ub77c\uace0 \uc758\uc2ec\ub418\ub294 \ud569\ub2f9\ud55c \uadfc\uac70\uac00 \uc788\ub294 \uacbd\uc6b0 \uadf8 \uc0ac\uc2e4\uc744 \uc9c0\uccb4\uc5c6\uc774 \uae08\uc735\uc815\ubcf4\ubd84\uc11d\uc6d0\uc5d0 \ubcf4\uace0<\/u><\/strong>\ud574\uc57c \ud569\ub2c8\ub2e4(\uc790\uae08\uc138\ud0c1\ubc29\uc9c0 \uc5c5\ubb34\uaddc\uc815 \uc81c76\uc870, \uc81c77\uc870, \ud2b9\uae08\ubc95 \uc81c4). \uace0\uac1d\uc758 \uc758\uc2ec\uac70\ub798\ub97c 3\uc601\uc5c5\uc77c \ub0b4\uc5d0 \ubcf4\uace0\ud558\uc9c0 \uc54a\uc740 \uacbd\uc6b0 \uac00\uc0c1\uc790\uc0b0\uc0ac\uc5c5\uc790\uc5d0\uac8c 3\ucc9c\ub9cc\uc6d0 \uc774\ud558\uc758 \uacfc\ud0dc\ub8cc\uac00 \ubd80\uacfc\ub418\uba70, \uac70\uc9d3\uc73c\ub85c \ubcf4\uace0\ud558\ub294 \uacbd\uc6b0 1\ub144 \uc774\ud558\uc758 \uc9d5\uc5ed \ub610\ub294 1\ucc9c\ub9cc\uc6d0 \uc774\ud558\uc758 \ubc8c\uae08\uc5d0 \ucc98\ud574\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4(\ud2b9\uae08\ubc95 \uc81c17\uc870, \uc81c20\uc870).<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">\uac00\uc0c1\uc790\uc0b0\uc0ac\uc5c5\uc790\uc758 \uc758\uc2ec\uac70\ub798 \ubaa8\ub2c8\ud130\ub9c1\uc740 \uc790\uae08\uc138\ud0c1\ubc29\uc9c0\uc758 \uc911\uc694\ud55c \uc694\uc18c\uc774\ubbc0\ub85c \ubaa8\ub2c8\ud130\ub9c1 \uae30\uc900\uc744 \uc8fc\uae30\uc801\uc73c\ub85c \uc810\uac80\ud558\uace0 \ud6a8\uacfc\uc801\uc778 \uae30\uc900\uc744 \ub9c8\ub828\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \uc608\ub97c\ub4e4\uc5b4 \uace0\uac1d\uc774 10\ubd84\uac04 5\uc5b5\uc6d0\uc744 \uc778\ucd9c\ud558\ub294 \uacbd\uc6b0 \uc790\uae08\uc138\ud0c1 \uc758\uc2ec\uac70\ub798\ub85c \ud310\ub2e8\ud558\uace0 \uc788\uc73c\ub098 \uc2e4\uc81c\ub85c 10\ubd84\uac04 5\uc5b5\uc6d0 \uc774\uc0c1\uc758 \uac70\ub798 \uc790\uccb4\uac00 \uc5c6\uc5b4\uc11c \uc758\uc2ec\uac70\ub798 \ucd94\ucd9c\uc774 0\uac74\uc778 \uacbd\uc6b0, \uac00\uc0c1\uc790\uc0b0\uc0ac\uc5c5\uc790\ub294 \uac70\ub798 \ud328\ud134 \ub4f1\uc744 \ubd84\uc11d\ud558\uc5ec 10\ubd84\uac04 1\uc5b5\uc6d0\uc744 \uc778\ucd9c\ud558\ub294 \uace0\uac1d\uc73c\ub85c \uae30\uc900\uc744 \uc870\uc815\ud558\ub294 \ubc29\ubc95\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 14pt;\">\u25c8 \uc758\uc2ec\uac70\ub798 \ub300\uc0c1\uc790\uc5d0 \ub300\ud55c \uc9c0\uc18d\uc801\uc778 \ubaa8\ub2c8\ud130\ub9c1 \ubbf8\ud761<\/span><\/strong><\/p>\n<table>\n<tbody>\n<tr>\n<td style=\"background-color: #dde5eb; width: 601px; vertical-align: middle;\" width=\"601\"><span style=\"font-size: 14pt;\">D\uc0ac\uc5c5\uc790\ub294 \uc790\uae08\uc138\ud0c1 \uc758\uc2ec\uac70\ub798\uac00 \uc787\ub294 \uace0\uac1d\uc744 \uae08\uc735\uc815\ubcf4\ubd84\uc11d\uc6d0\uc5d0 \ubcf4\uace0\ud55c \ud6c4, \ucd94\uac00 \uc758\uc2ec\uac70\ub798 \ud589\uc704\uac00 \uc788\uc74c\uc5d0\ub3c4 \uae30\uc874\uc5d0 \ubcf4\uace0\ud558\uc600\ub2e4\ub294 \uc774\uc720\ub85c \ubcf4\uace0\ud558\uc9c0 \uc54a\uc74c<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-size: 14pt;\">\uac00\uc0c1\uc790\uc0b0\uc0ac\uc5c5\uc790\uac00 <strong><u>\uc758\uc2ec\uac70\ub798\ub85c \ubcf4\uace0\ud55c \uc790\ub294 \uc790\uae08\uc138\ud0c1\ud589\uc704\uc758 \uc6b0\ub824\uac00 \ub9e4\uc6b0 \ub192\uae30 \ub54c\ubb38\uc5d0 \uc0ac\uc5c5\uc790\ub294 \uae08\uc735\uc815\ubcf4\ubd84\uc11d\uc6d0\uc5d0 \ubcf4\uace0\ud55c \ud6c4\uc5d0\ub3c4 \ub2f9\ud574 \ubcf4\uace0\uc640 \uad00\ub828\ub41c \uae08\uc735\uac70\ub798\ub4f1\uc758 \uc0c1\ub300\ubc29\uc774 \uc758\uc2ec\ub418\ub294 \uac70\ub798\ub97c \ud558\uace0 \uc788\ub2e4\uace0 \uc758\uc2ec\ub418\ub294 \uacbd\uc6b0 \uc774\ub97c \uae08\uc735\uc815\ubcf4\ubd84\uc11d\uc6d0\uc5d0 \ubcf4\uace0<\/u><\/strong>\ud574\uc57c \ud569\ub2c8\ub2e4(\ud2b9\uae08\ubc95 \uac10\ub3c5\uaddc\uc815 \uc81c4\uc870). \ub530\ub77c\uc11c<strong> <u>\uac00\uc0c1\uc790\uc0b0\uc0ac\uc5c5\uc790\ub294 \ud574\ub2f9 \uace0\uac1d\uc758 \uac70\ub798 \ud589\uc704\ub97c \uc8fc\uc758\ud558\uc5ec \ubaa8\ub2c8\ud130\ub9c1<\/u><\/strong>\ud558\uace0, <strong><u>\ud544\uc694\uc2dc \uc790\uae08\ucd9c\ucc98, \uac70\ub798\ubaa9\uc801\uc758 \uc99d\ube59\uc790\ub8cc\ub97c \uc9d5\uad6c<\/u><\/strong>\ud558\uc5ec \uace0\uac1d\uc815\ubcf4\ub97c \ud655\uc778\ud560 \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 18pt;\"><strong>3. \ub0b4\ubd80\ud1b5\uc81c \uccb4\uacc4<\/strong><\/span><\/p>\n<p><strong><span style=\"font-size: 14pt;\">\u25c8 \uc2e0\uaddc \uac00\uc0c1\uc790\uc0b0 \uc0c1\uc7a5 \uc804 \uc790\uae08\uc138\ud0c1 \uc704\ud5d8\ud3c9\uac00 \ubbf8\uc774\ud589<\/span><\/strong><\/p>\n<table>\n<tbody>\n<tr>\n<td style=\"background-color: #dde5eb; width: 601px;\" width=\"601\"><span style=\"font-size: 14pt;\">E\uc0ac\uc5c5\uc790\ub294 \uc2e0\uaddc \uac00\uc0c1\uc790\uc0b0\uc5d0 \ub300\ud55c \uc0ac\uc804 \uc790\uae08\uc138\ud0c1 \uc704\ud5d8\ud3c9\uac00\ub97c \ud558\uc9c0 \uc54a\uace0 \uac70\ub798\uc9c0\uc6d0\uc744 \uac1c\uc2dc\ud568<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-size: 14pt;\">\uac00\uc0c1\uc790\uc0b0\uc0ac\uc5c5\uc790\ub294 <strong><u>\uc2e0\uaddc \uae08\uc735\uc0c1\ud488 \ubc0f \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\uae30 \uc804 \uc790\uae08\uc138\ud0c1\ud589\uc704\uc758 \uc704\ud5d8\uc744 \ud3c9\uac00\ud558\uae30 \uc704\ud55c \uc808\ucc28 \ubc0f \ubc29\ubc95\uc5d0 \uad00\ud55c \uc0ac\ud56d\uc744 \ub9c8\ub828\ud558\uc5ec \uc6b4\uc6a9<\/u><\/strong>\ud574\uc57c \ud569\ub2c8\ub2e4(\ud2b9\uae08\ubc95 \uc81c5\uc870, \ub3d9\ubc95 \uc2dc\ud589\ub839 \uc81c9\uc870). \uac00\uc0c1\uc790\uc0b0\uc0ac\uc5c5\uc790\uac00 \uc790\uae08\uc138\ud0c1\uc5d0 \ub300\ud55c \uc704\ud5d8\ud3c9\uac00 \uc5c6\uc774 \uc2e0\uaddc \uac00\uc0c1\uc790\uc0b0\uc744 \uac70\ub798\uc9c0\uc6d0\ud55c \uacbd\uc6b0 1\uc5b5\uc6d0 \uc774\ud558\uc758 \uacfc\ud0dc\ub8cc\uac00 \ubd80\uacfc\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4(\ud2b9\uae08\ubc95 \uc81c20\uc870).<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">\ub530\ub77c\uc11c \uc0ac\uc5c5\uc790\ub294 <strong><u>\uc2e0\uaddc \uac00\uc0c1\uc790\uc0b0\uc744 \uac70\ub798\uc9c0\uc6d0\ud558\ub294 \uacbd\uc6b0 \ubc18\ub4dc\uc2dc \ud574\ub2f9 \uac00\uc0c1\uc790\uc0b0\uc5d0 \ub300\ud574\uc11c \uc790\uae08\uc138\ud0c1 \uc704\ud5d8\ud3c9\uac00\ub97c \uc2e4\uc2dc\ud558\uace0 \ud574\ub2f9 \uc99d\ube59\uc790\ub8cc\ub97c \ubcf4\uad00<\/u><\/strong>\ud558\uc5ec\uc57c \ud569\ub2c8\ub2e4. \ub610\ud55c \uc790\uae08\uc138\ud0c1 \uc704\ud5d8\uc774 \ub192\ub2e4\uace0 \ud310\ub2e8\ub418\ub294 \uacbd\uc6b0 \uc989\uc2dc \uac70\ub798\uc9c0\uc6d0\uc744 \uc911\ub2e8\ud574\uc57c \ud569\ub2c8\ub2e4.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 14pt;\">\u25c8 \ud2b9\uc218\uad00\uacc4\uc778\uc774 \ubc1c\ud589\ud55c \uac00\uc0c1\uc790\uc0b0\uc758 \ucde8\uae09 \uc81c\ud55c \ubbf8\ud761<\/span><\/strong><\/p>\n<table>\n<tbody>\n<tr>\n<td style=\"background-color: #dde5eb; width: 601px;\" width=\"601\"><span style=\"font-size: 14pt;\">F\uc0ac\uc5c5\uc790\ub294 \uc790\uc2e0\uc774 \uac70\ub798\uc9c0\uc6d0\ud558\ub294 \uac00\uc0c1\uc790\uc0b0\uc758 \ubc1c\ud589\uc7ac\ub2e8\uc774 \uc0ac\uc5c5\uc790 \ubcf8\uc778\uacfc \ud2b9\uc218\uad00\uacc4\uc778\uc778\uc9c0 \uc5ec\ubd80\ub97c \ud655\uc778\ud558\uc9c0 \uc54a\uc74c<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-size: 14pt;\">\uac00\uc0c1\uc790\uc0b0\uc0ac\uc5c5\uc790\ub294 <strong><u>\ubcf8\uc778 \ub610\ub294 \ubcf8\uc778\uc758 \ud2b9\uc218\uad00\uacc4\uc778(\uc0c1\ubc95 \uc2dc\ud589\ub839 \uc81c34\uc870 \uc81c4\ud56d\uc5d0 \ud574\ub2f9\ud558\ub294 \uc790)\uc774 \ubc1c\ud589\ud55c \uac00\uc0c1\uc790\uc0b0\uc758 \ub9e4\ub9e4\u00b7\uad50\ud658\uc744 \uc911\uac1c\u00b7\uc54c\uc120\ud558\uac70\ub098 \ub300\ud589\ud558\ub294 \ud589\uc704\uc5d0 \ub300\ud55c \uac70\ub798\ub97c \uc81c\ud55c\ud558\ub294 \uae30\uc900\uc744 \ub9c8\ub828\ud558\uc5ec \uc2dc\ud589<\/u><\/strong>\ud574\uc57c \ud569\ub2c8\ub2e4(\ud2b9\uae08\ubc95 \uc81c8\uc870, \ub3d9\ubc95 \uc2dc\ud589\ub839 \uc81c10\uc870\uc75820 \uc81c5\ud638). \ud2b9\uc218\uad00\uacc4\uc778\uc774 \ubc1c\ud589\ud55c \uac00\uc0c1\uc790\uc0b0\uc758 \ucde8\uae09\uc744 \uc81c\ud55c\ud558\uc9c0 \uc54a\ub294 \uacbd\uc6b0 1\uc5b5\uc6d0 \uc774\ud558\uc758 \uacfc\ud0dc\ub8cc\uac00 \ubd80\uacfc\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4(\ud2b9\uae08\ubc95 \uc81c20\uc870).<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">\ub530\ub77c\uc11c \uac00\uc0c1\uc790\uc0b0\uc0ac\uc5c5\uc790\ub294 \ubcf8\uc778\uc758 \ud2b9\uc218\uad00\uacc4\uc778\uc758 \ubc94\uc704\uc640 \uac70\ub798\uc9c0\uc6d0\ud558\ub294 \uac00\uc0c1\uc790\uc0b0\uc758 \ubc1c\ud589\uc7ac\ub2e8\uc758 \uc8fc\uc694\uc784\uc9c1\uc6d0\uc774 \ub204\uad6c\uc778\uc9c0 \uc0ac\uc804\uc5d0 \ud30c\uc545\ud560 \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 <strong>\uac00\uc0c1\uc790\uc0b0\uc0ac\uc5c5\uc790 \ubcf8\uc778\uc5d0\uac8c \uc0ac\uc2e4\uc0c1 \uc601\ud5a5\ub825\uc744 \ud589\uc0ac\ud558\ub294 \uac1c\uc778 \ubc0f \uadf8 \uac1c\uc778\uc758 \ud2b9\uc218\uad00\uacc4\uc778\ub3c4 \uac00\uc0c1\uc790\uc0b0\uc0ac\uc5c5\uc790\uc758 \ud2b9\uc218\uad00\uacc4\uc778\uc5d0 \ud574\ub2f9<\/strong>\ud568\uc5d0 \uc8fc\uc758\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4(\uc0c1\ubc95 \uc2dc\ud589\ub839 \uc81c34\uc870 \uc81c4\ud56d \uc81c2\ud638 \ub2e4\ubaa9). <\/span><\/p>\n<p><span style=\"font-size: 14pt;\">\ubc95\ub960\uc0ac\ubb34\uc18c \uc778\ud3c9\uc740 \ud2b9\uae08\ubc95 \ubc0f \uac00\uc0c1\uc790\uc0b0\uacfc \uad00\ub828\ub41c \uc218\ub9ce\uc740 \uc0ac\ub840\ub97c \ub2e4\ub8e8\uba74\uc11c \uae08\uc735\uacfc \uae30\uc5c5\uc5d0 \uc804\ubb38\ud654\ub41c \ub85c\ud38c\uc73c\ub85c, \uac00\uc0c1\uc790\uc0b0\uc0ac\uc5c5\uc5d0 \ub300\ud55c \uae4a\uc740 \uc774\ud574\ub3c4\uc640 \uc218 \ub9ce\uc740 \uae30\uc5c5\uc790\ubb38, \ubd84\uc7c1, \uc18c\uc1a1 \uacbd\ud5d8\uc744 \ubc14\ud0d5\uc73c\ub85c \uae30\uc5c5 \uc6b4\uc601\uc758 \ub9ac\uc2a4\ud06c\ub97c \ucd5c\ub300\ud55c \uc904\uc77c \uc218 \uc788\ub3c4\ub85d \ub3c4\uc6c0\ub4dc\ub9ac\uace0 \uc788\uc2b5\ub2c8\ub2e4. <\/span><\/p>\n<p><span style=\"font-size: 14pt;\">\ud2b9\uae08\ubc95 \ubc0f \uac00\uc0c1\uc790\uc0b0\uc0ac\uc5c5 \uad00\ub828 \ubc95\ub960 \uc790\ubb38\uc774 \ud544\uc694\ud558\uc2dc\ub2e4\uba74 \ubc95\ub960\uc0ac\ubb34\uc18c \uc778\ud3c9\uc5d0 \ubb38\uc758\uc8fc\uc2dc\uba74 \uc2e0\uc18d\ud558\uace0 \uc815\ud655\ud558\uac8c \uc548\ub0b4\ub4dc\ub9b4 \uc218 \uc788\ub3c4\ub85d \ud558\uaca0\uc2b5\ub2c8\ub2e4. <\/span><\/p>\n<p><span style=\"font-size: 14pt;\">\uac10\uc0ac\ud569\ub2c8\ub2e4.<br \/>\n<\/span><span style=\"font-size: 14pt;\">\ubc95\ub960\uc0ac\ubb34\uc18c \uc778\ud3c9 \ub4dc\ub9bc<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ud2b9\uc815\uae08\uc735\uc815\ubcf4\ubc95(\uc774\ud558 \u2018\ud2b9\uae08\ubc95\u2019)\uc740 \uac00\uc0c1\uc790\uc0b0\uc758 \uc775\uba85\uc131\uc73c\ub85c \uc778\ud55c \uc790\uae08\uc138\ud0c1\uc758 \uc704\ud5d8\uc744 \uc608\ubc29\ud558\uae30 \uc704\ud574, \uac00\uc0c1\uc790\uc0b0\uc0ac\uc5c5\uc790\ub97c \uae08\uc735\ud68c\uc0ac\ub85c \ubcf4\uace0 \uac00\uc0c1\uc790\uc0b0\uc0ac\uc5c5\uc790\uc5d0 \ub300\ud574 \uc77c\uc815\ud55c \uc758\ubb34\ub97c \ubd80\uacfc\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc790\uae08\uc138\ud0c1\ubc29\uc9c0 \uc758\ubb34\uc5d0 \ub530\ub77c \uac00\uc0c1\uc790\uc0b0\uc0ac\uc5c5\uc790\ub294 \uace0\uac1d\ud655\uc778\uc758\ubb34, \uc758\uc2ec\uac70\ub798 \ubcf4\uace0, \uac00\uc0c1\uc790\uc0b0\uc0ac\uc5c5\uc790\uc758 \uae08\uc735\uc815\ubcf4\ubd84\uc11d\uc6d0\uc5d0 \uc2e0\uace0 \uc758\ubb34\ub97c \uc774\ud589\ud558\uace0 \uace0\uac1d\ubcc4 \uac70\ub798\ub0b4\uc5ed \ubd84\ub9ac\u00b7\uad00\ub9ac \ub4f1\uc758 \uc870\uce58\ub97c \ucde8\ud558\uc5ec\uc57c \ud569\ub2c8\ub2e4(\ud2b9\uc815\uae08\uc735\uc815\ubcf4\ubc95 \uc81c4\uc870 \ub0b4\uc9c0 \uc81c8\uc870). &nbsp; \uae08\uc735\uc815\ubcf4\ubd84\uc11d\uc6d0\uc740 \uc9c0\ub09c 9\uc6d4\uc5d0 \ud2b9\uae08\ubc95\uc5d0 \ub530\ub77c \uc2e0\uace0\ub41c \uac00\uc0c1\uc790\uc0b0\uc0ac\uc5c5\uc790\ub4e4\uc5d0 \ub300\ud558\uc5ec \uc790\uae08\uc138\ud0c1\ubc29\uc9c0\uccb4\uacc4\ub97c \uc798 \uad6c\ucd95\ud558\uace0 \uc774\ud589\ud558\ub294\uc9c0 \uc885\ud569\uc810\uac80\uc744 \uc2e4\uc2dc\ud558\uc600\uc2b5\ub2c8\ub2e4. [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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