{"id":63836,"date":"2025-06-08T15:53:07","date_gmt":"2025-06-08T06:53:07","guid":{"rendered":"https:\/\/www.minbyun.or.kr\/?p=63836"},"modified":"2025-06-09T14:17:13","modified_gmt":"2025-06-09T05:17:13","slug":"%ed%9a%8c%ec%9b%90%ea%b8%b0%ea%b3%a0-%eb%af%bc%eb%b3%80-%eb%af%bc%ec%83%9d%ea%b2%bd%ec%a0%9c%ec%9c%84%ec%9b%90%ed%9a%8c-%eb%af%bc%ec%83%9d%ea%b8%b0%ed%96%89-%ed%9b%84%ea%b8%b0-1%ed%8e%b8","status":"publish","type":"post","link":"https:\/\/www.minbyun.or.kr\/?p=63836","title":{"rendered":"[\ud68c\uc6d0\uae30\uace0] \ubbfc\ubcc0 \ubbfc\uc0dd\uacbd\uc81c\uc704\uc6d0\ud68c \ubbfc\uc0dd\uae30\ud589 \ud6c4\uae30 &#8211; 1\ud3b8 : \ubbfc\uc0dd\uae30\ud589 \ub7f0\ub358\ud3b8 \/ \uc774\ud601 \ud68c\uc6d0"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"size-large wp-image-63837 aligncenter\" src=\"https:\/\/minbyun.s3.ap-northeast-2.amazonaws.com\/wp-content\/uploads\/2025\/06\/08154413\/%EB%A9%94%EC%9D%B8-02-1024x732.png\" alt=\"\" width=\"640\" height=\"458\" srcset=\"https:\/\/minbyun.s3.ap-northeast-2.amazonaws.com\/wp-content\/uploads\/2025\/06\/08154413\/%EB%A9%94%EC%9D%B8-02-1024x732.png 1024w, https:\/\/minbyun.s3.ap-northeast-2.amazonaws.com\/wp-content\/uploads\/2025\/06\/08154413\/%EB%A9%94%EC%9D%B8-02-300x214.png 300w, https:\/\/minbyun.s3.ap-northeast-2.amazonaws.com\/wp-content\/uploads\/2025\/06\/08154413\/%EB%A9%94%EC%9D%B8-02-768x549.png 768w, https:\/\/minbyun.s3.ap-northeast-2.amazonaws.com\/wp-content\/uploads\/2025\/06\/08154413\/%EB%A9%94%EC%9D%B8-02.png 1313w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 12pt;\"><strong>[\ubbfc\ubcc0 \ubbfc\uc0dd\uacbd\uc81c\uc704\uc6d0\ud68c \ubbfc\uc0dd\uae30\ud589 \ud6c4\uae30 &#8211; 1\ud3b8]<\/strong><\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 24pt;\"><strong>\ubbfc\uc0dd\uae30\ud589 &#8211; \ub7f0\ub358\ud3b8<\/strong><\/span><\/p><br><p style=\"text-align: right;\"><strong><span style=\"font-size: 14pt;\">&#8211; \uc774\ud601 \ud68c\uc6d0<\/span><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 14pt;\">1. \uccab\ub0a0, \uc815\uc2e0\uc5c6\uc774 \ub7f0\ub358\uc815\uacbd\ub300 \ubc29\ubb38<\/span><\/strong><\/p>\n<p><span style=\"font-size: 14pt;\">\ubbfc\uc0dd\uae30\ud589\uc744 \ub5a0\ub098\ub294 \ub0a0, \uc800\ub294 \ud6c4\ubc1c\ub300\ub85c \ud569\ub958\ud558\uac8c \ub418\uc5c8\uc2b5\ub2c8\ub2e4. \ud63c\uc790 14\uc2dc\uac04\uc744 \ub0a0\uc544 \ub7f0\ub358\uc5d0 \ub3c4\ucc29\ud588\ub294\ub370 \ubc30\ud130\ub9ac\uac00 \uc5c6\uc5b4 \uacf5\ud56d\uc5d0\uc11c \ud640\ub85c \ucda9\uc804\ud558\uc600\uc744 \ub54c\ub294 \uc815\ub9d0 \ub09c\uac10\ud588\uc2b5\ub2c8\ub2e4. \uc815\uc2e0\uc5c6\uc774 \ub7f0\ub358\uc815\uacbd\ub300\ub85c \ud569\ub958\ud558\ub2c8 \ubbfc\uc0dd\uc704\uc6d0\ub4e4\uaed8\uc11c Anne Power \uad50\uc218\ub2d8\uacfc \ud55c\ucc38 \ub300\ud654\ub97c \ub098\ub204\uace0 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. \uad50\uc218\ub2d8\uc740 \uc80a\uc5c8\uc744 \ub54c\ubd80\ud130 \ud574 \uc624\uc2e0 \uc57d\uc790\ub4e4\uc744 \uc704\ud55c \uc0ac\ud68c\uc6b4\ub3d9\uc758 \uacbd\ud5d8\uc744 \uc800\ud76c\uc5d0\uac8c \uacf5\uc720\ud574 \uc8fc\uc168\uace0, \ubbfc\uc0dd\uae30\ud589 \uccab\ub0a0\uc740 \uadf8\ub807\uac8c \uc870\uae08 \uc5b4\uc0c9\ud558\uac8c \uc2dc\uc791\ub410\uc2b5\ub2c8\ub2e4.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-large wp-image-63839 aligncenter\" src=\"https:\/\/minbyun.s3.ap-northeast-2.amazonaws.com\/wp-content\/uploads\/2025\/06\/08155002\/%EA%B8%B0%EA%B3%A0%EB%AC%B8%EC%82%AC%EC%A7%84-14-1024x732.png\" alt=\"\" width=\"640\" height=\"458\" srcset=\"https:\/\/minbyun.s3.ap-northeast-2.amazonaws.com\/wp-content\/uploads\/2025\/06\/08155002\/%EA%B8%B0%EA%B3%A0%EB%AC%B8%EC%82%AC%EC%A7%84-14-1024x732.png 1024w, https:\/\/minbyun.s3.ap-northeast-2.amazonaws.com\/wp-content\/uploads\/2025\/06\/08155002\/%EA%B8%B0%EA%B3%A0%EB%AC%B8%EC%82%AC%EC%A7%84-14-300x214.png 300w, https:\/\/minbyun.s3.ap-northeast-2.amazonaws.com\/wp-content\/uploads\/2025\/06\/08155002\/%EA%B8%B0%EA%B3%A0%EB%AC%B8%EC%82%AC%EC%A7%84-14-768x549.png 768w, https:\/\/minbyun.s3.ap-northeast-2.amazonaws.com\/wp-content\/uploads\/2025\/06\/08155002\/%EA%B8%B0%EA%B3%A0%EB%AC%B8%EC%82%AC%EC%A7%84-14.png 1313w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/p>\n<p><span style=\"font-size: 14pt;\">\uc800\ub141\uc5d0\ub294 \uae30\ud589\ub2e8\uc774 \uc2dd\uc0ac\ub97c \uc900\ube44\ud558\uc5ec \ub7f0\ub358\ub300\ud559\uad50 \ub3c4\uc2dc\uacc4\ud68d\uacfc \uc190\uc815\uc6d0 \uad50\uc218\ub2d8\uacfc \ub9cc\ucc2c\uc744 \uc9c4\ud589\ud558\uc600\uc2b5\ub2c8\ub2e4. \uc55e\uc73c\ub85c\uc758 \ubbfc\uc0dd\uae30\ud589 \uc77c\uc815\uc744 \uc810\uac80\ud558\uc600\uace0, \uc5f4\uc2ec\ud788 \ubc30\uc6b0\uace0 \uac00\uc790\ub294 \uc758\uc9c0\ub97c \ub2e4\uc9c0\ub294 \ub2e8\ud569\uc758 \ubc24\uc774\uc5c8\uc2b5\ub2c8\ub2e4.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 14pt;\">2. \ub458\uc9f8 \ub0a0, \ub7f0\ub358\uc774 \uc9c4\ud589\ud558\ub294 \uae08\uc735 \ubd88\ud3c9\ub4f1 \ud574\uc18c \uc2e4\ud5d8<\/span><\/strong><\/p>\n<p><span style=\"font-size: 14pt;\">\ub458\uc9f8 \ub0a0 \uc800\ud76c\ub294 \u2018StepChange Debt Charity\u2019\uc640 \u2018Fair4all Finance\u2019\ub97c \ubc29\ubb38\ud558\uc600\uc2b5\ub2c8\ub2e4. \u2018StepChange\u2019\ub294 \uc601\uad6d\uc5d0\uc11c \uac00\uc7a5 \uaddc\ubaa8\uac00 \ud070 \ucc44\ubb34 \uc790\ubb38 \uc790\uc120 \ub2e8\uccb4\uc785\ub2c8\ub2e4. \ud55c\uad6d\uc73c\ub85c \ub530\uc9c0\uba74 \ud30c\uc0b0\uc774\ub098 \ud68c\uc0dd\uc774 \uc544\ub2cc \ucc44\ubb34\uc870\uc815\uc744 \ud1b5\ud55c \uc6cc\ud06c\uc544\uc6c3\uc744 \ub3d5\ub294 \ub2e8\uccb4\ub77c\uace0 \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub4e4\uc740 \uac74\uc804\ud55c \ucc44\ubb34\uc870\uc815\uc758 \ub300\uac00\ub85c \uae30\uc5c5\uc73c\ub85c\ubd80\ud130 \uc77c\ubd80 \uc218\uc218\ub8cc\ub97c \uc9c0\uae09\ubc1b\uc73c\uba74\uc11c \ucc44\ubb34\uc790\ub4e4\uc5d0\uac8c \ubcc0\uc81c \uacc4\ud68d\uc744 \uc81c\uacf5\ud558\ub294 \uc2dd\uc73c\ub85c \ucc44\ubb34\uc790\ub4e4\uc744 \ub3d5\uc2b5\ub2c8\ub2e4. \ubd88\ubc95 \ucd94\uc2ec\uc774\ub098 \ubd88\ubc95 \uc0ac\ucc44\ub97c \uc774\uc6a9\ud558\ub294 \ucc44\ubb34\uc790\ub4e4\uc774 \uc785\ub294 \ud53c\ud574\ub97c \uc644\ud654\ud574 \uc8fc\uace0 \uadf8 \ube44\uc6a9\uc740 \uae30\uc5c5\uc5d0\uc11c \ucda9\ub2f9\ud558\ub294 \ud615\uc2dd\uc73c\ub85c \uc6b4\uc601\ub418\ub294 \uac83\uc774 \uaf64\ub098 \uc778\uc0c1\uc801\uc774\uc5c8\uc2b5\ub2c8\ub2e4. \ud55c\uad6d\ub3c4 \uc5ec\uc804\ud788 \ubd88\ubc95 \uace0\ub9ac\ub300\uae08 \uc0ac\ucc44\uc640 \ubd88\ubc95 \ucd94\uc2ec\uc774 \ub9ce\uc740 \uac83\uc744 \uc0dd\uac01\ud574 \ubcf4\uba74 \uc815\ubd80 \ucc28\uc6d0\uc5d0\uc11c \uc774\ub7ec\ud55c \ucc44\ubb34 \uc870\uc815 \uae30\uad6c\ub97c \uc2e0\uc124\ud558\ub294 \uac83\ub3c4 \ub300\uc548\uc774 \ub420 \uc218 \uc788\uaca0\ub2e4 \uc2f6\uc5c8\uc2b5\ub2c8\ub2e4.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-large wp-image-63840 aligncenter\" src=\"https:\/\/minbyun.s3.ap-northeast-2.amazonaws.com\/wp-content\/uploads\/2025\/06\/08155041\/%EA%B8%B0%EA%B3%A0%EB%AC%B8%EC%82%AC%EC%A7%84-16-1024x732.png\" alt=\"\" width=\"640\" height=\"458\" srcset=\"https:\/\/minbyun.s3.ap-northeast-2.amazonaws.com\/wp-content\/uploads\/2025\/06\/08155041\/%EA%B8%B0%EA%B3%A0%EB%AC%B8%EC%82%AC%EC%A7%84-16-1024x732.png 1024w, https:\/\/minbyun.s3.ap-northeast-2.amazonaws.com\/wp-content\/uploads\/2025\/06\/08155041\/%EA%B8%B0%EA%B3%A0%EB%AC%B8%EC%82%AC%EC%A7%84-16-300x214.png 300w, https:\/\/minbyun.s3.ap-northeast-2.amazonaws.com\/wp-content\/uploads\/2025\/06\/08155041\/%EA%B8%B0%EA%B3%A0%EB%AC%B8%EC%82%AC%EC%A7%84-16-768x549.png 768w, https:\/\/minbyun.s3.ap-northeast-2.amazonaws.com\/wp-content\/uploads\/2025\/06\/08155041\/%EA%B8%B0%EA%B3%A0%EB%AC%B8%EC%82%AC%EC%A7%84-16.png 1313w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/p>\n<p><span style=\"font-size: 14pt;\">\u2018Fair4all Finance\u2019\ub294 \uc870\uae08 \ub354 \uac70\uc2dc\uc801\uc778 \uad00\uc810\uc5d0\uc11c \uc601\uad6d \uc804\uccb4\uc758 \uae08\uc735 \uc2dc\uc2a4\ud15c\uc774 \ucde8\uc57d \uacc4\uce35\uc5d0\uac8c \ub354 \uacf5\uc815\ud558\uace0 \uc811\uadfc\uc131 \uc788\uac8c \uc791\ub3d9\ud558\ub3c4\ub85d \ub9cc\ub4dc\ub294 \ub370 \ucd08\uc810\uc744 \ub9de\ucd98 \ube44\uc601\ub9ac \ud22c\uc790 \ubc0f \uac1c\ubc1c \uc870\uc9c1\uc785\ub2c8\ub2e4. \ucd5c\uadfc \uc704 \uae30\uad00\uc5d0\uc11c \uc9c4\ud589\ud558\ub294 \ud504\ub85c\uc81d\ud2b8\ub294 \uc18c\uaddc\ubaa8 \ubb34\uc774\uc790 \ub300\ucd9c\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc57d 100\ub9cc \uc6d0 \uac00\ub7c9\uc758 \uc18c\uc561\uc744 \uae09\uc804\uc774 \ud544\uc694\ud55c \uc0ac\ub78c\uc5d0\uac8c \ube4c\ub824\uc8fc\ub418 \uc774\uc790\ub97c \ubc1b\uc9c0 \uc54a\ub294 \uae08\uc735\uc9c0\uc6d0 \ud504\ub85c\uadf8\ub7a8\uc785\ub2c8\ub2e4. \uc704 \ud504\ub85c\uadf8\ub7a8\uc740 \ud734\uba74 \uacc4\uc88c\uc5d0 \ubb36\uc5ec\uc788\ub294 \ub3c8 \uc77c\ubd80\ub97c \uc7ac\uc6d0\uc73c\ub85c \uc0ac\uc6a9\ud558\uace0 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. \uc2e0\uc6a9\uc774 \ub0ae\uc544 \ub300\ucd9c\uc744 \ubc1b\uc9c0 \ubabb\ud558\ub294 \ucde8\uc57d \uacc4\uce35\uc5d0\uac8c \uae08\uc735 \uc0c1\ud488\uc744 \uc774\uc6a9\ud560 \uc218 \uc788\ub3c4\ub85d \ud558\uc5ec \uae08\uc735 \ubd88\ud3c9\ub4f1\uc744 \ud574\uc18c\ud558\uc790\ub294 \ucde8\uc9c0\uc785\ub2c8\ub2e4. \ud55c\uad6d\uc5d0\uc11c\ub3c4 \uc5ed\uc2dc \uc774\uc640 \uac19\uc740 \uc2e4\ud5d8\uc801 \ud504\ub85c\uadf8\ub7a8\uc744 \uc9c4\ud589\ud55c \uc0ac\ub840\uac00 \uc788\uc2b5\ub2c8\ub2e4. \ucde8\uc57d \uacc4\uce35\uc758 \uacbd\uc6b0 \uae08\uc735\uad8c\uc5d0 \uc811\uadfc\uc774 \uc5b4\ub835\uace0 \ubd88\ubc95 \ub300\ucd9c\ub85c \ube60\uc9c0\uae30 \uc27d\ub2e4\ub294 \uc810\uc744 \uace0\ub824\ud574\ubcf4\uba74 \ud55c\uad6d\ub3c4 \uc774\ub7ec\ud55c \ud504\ub85c\uc81d\ud2b8\ub97c \uc801\uadf9\uc801\uc73c\ub85c \uace0\ub824\ud574\ubcf4\ub294 \uac83\ub3c4 \ud544\uc694\ud55c \uac83 \uac19\uc2b5\ub2c8\ub2e4.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-large wp-image-63841 aligncenter\" src=\"https:\/\/minbyun.s3.ap-northeast-2.amazonaws.com\/wp-content\/uploads\/2025\/06\/08155113\/%EA%B8%B0%EA%B3%A0%EB%AC%B8%EC%82%AC%EC%A7%84-13-1024x732.png\" alt=\"\" width=\"640\" height=\"458\" srcset=\"https:\/\/minbyun.s3.ap-northeast-2.amazonaws.com\/wp-content\/uploads\/2025\/06\/08155113\/%EA%B8%B0%EA%B3%A0%EB%AC%B8%EC%82%AC%EC%A7%84-13-1024x732.png 1024w, https:\/\/minbyun.s3.ap-northeast-2.amazonaws.com\/wp-content\/uploads\/2025\/06\/08155113\/%EA%B8%B0%EA%B3%A0%EB%AC%B8%EC%82%AC%EC%A7%84-13-300x214.png 300w, https:\/\/minbyun.s3.ap-northeast-2.amazonaws.com\/wp-content\/uploads\/2025\/06\/08155113\/%EA%B8%B0%EA%B3%A0%EB%AC%B8%EC%82%AC%EC%A7%84-13-768x549.png 768w, https:\/\/minbyun.s3.ap-northeast-2.amazonaws.com\/wp-content\/uploads\/2025\/06\/08155113\/%EA%B8%B0%EA%B3%A0%EB%AC%B8%EC%82%AC%EC%A7%84-13.png 1313w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-size: 14pt;\">3. \ud55c\uad6d\uc740 \uc5b4\ub5bb\uac8c \ud574\uc57c \ud560\uae4c.<\/span><\/strong><\/p>\n<p><span style=\"font-size: 14pt;\">\uc0ac\uc2e4 \uc601\uad6d\uc758 \uc0ac\ud68c\uc8fc\ud0dd\ub3c4 \ubc29\ubb38\ud558\uace0 \uc2f6\uc5c8\uc73c\ub098 \uc544\uc27d\uac8c \uae08\uc735 \uad00\ub828 \uae30\uad6c\ub9cc \uc811\uc120\ud560 \uc218 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. \uadf8\ub7fc\uc5d0\ub3c4 \uc601\uad6d\uc774 \uc11c\ubbfc \uae08\uc735\uc5d0 \uc811\uadfc\ud558\ub294 \ubc29\uc2dd \uc790\uccb4\ub294 \uaf64\ub098 \ubc30\uc6b8 \uc810\uc774 \uc788\uc5c8\ub2e4\uace0 \uc0dd\uac01\ud569\ub2c8\ub2e4.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">\ucd5c\uadfc \ubbfc\uc0dd\uc704 \uae08\uc735\ubd80\ub3d9\uc0b0\ud300\uc740 \ubd88\ubc95 \uace0\ub9ac\ub300\uae08 \uc0ac\ucc44\uc5d0 \ub300\ud558\uc5ec, \uc774\uc790\uc81c\ud55c\ubc95\uc744 \ucd08\uacfc\ud558\ub294 \uc774\uc728 \ubfd0\ub9cc \uc544\ub2c8\ub77c \uadf8 \uc6d0\uae08\ub3c4 103\uc870 \uc704\ubc18\uc73c\ub85c \ubb34\ud6a8\uc5d0 \ud574\ub2f9\ud55c\ub2e4\ub294 \ucde8\uc9c0\uc758 \uc7ac\ud310\uc744 \uc9c4\ud589\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc800 \uc5ed\uc2dc \uc0ac\uac74 \uc911\uc5d0 \uace0\ub9ac\ub300\uae08 \uc5c5\uccb4\uc758 \ud6a1\ud3ec\ub85c \uace0\ud1b5\ubc1b\ub294 \uc0ac\ub78c\ub4e4\uc744 \uc704\ud55c \ucc44\ubb34\ubd80\uc874\uc7ac\ud655\uc778\uc18c\uc1a1 \ub0b4\uc9c0\ub294 \ubd80\ub2f9\uc774\ub4dd\ubc18\ud658\uc18c\uc1a1\uc744 \uc9c4\ud589\ud574 \ubcf8 \uc801\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">\uc800\uc18c\ub4dd \uacc4\uce35\uc774 \ub2f9\uc7a5 \ud544\uc694\ud55c \ub3c8\uc774 \ubd80\uc871\ud558\uc5ec \ubd88\ubc95 \uc0ac\ucc44\uc5d0 \uc190\uc744 \ub300\ub294 \uc77c\uc740 \uc5ec\uc804\ud788 \uc6b0\ub9ac \uc8fc\uc704\uc5d0 \ub0a8\uc544\uc788\uc2b5\ub2c8\ub2e4. \ubd88\ubc95 \uc0ac\ucc44\uc5d0 \uc190\uc744 \ub300\uba74 \ub05d\uc5c6\uc774 \ubd88\uc5b4\ub098\ub294 \uc774\uc790\ub85c \uc778\ud574 \uacb0\uad6d \ub178\ub3d9\ub825\uae4c\uc9c0 \uc0c1\uc2e4\ud558\uace0 \uc0b6\uc744 \ud3ec\uae30\ud558\uac8c \ub418\ub294 \ubd84\ub4e4\uc774 \uc0dd\uae41\ub2c8\ub2e4. \uc0ac\ud68c \uc804\uccb4\ub85c \ubcf4\uc558\uc744 \ub54c \uc774\ub7ec\ud55c \ubd88\ubc95 \uae08\uc735\uc73c\ub85c \uc778\ud55c \uc190\uc2e4\ub960\uc744 \ub2e4\uc2dc \uacc4\uc0b0\ud574\ubcf4\uace0 \uc774\ub7f0 \uc0ac\ub78c\ub4e4\uc774 \ud30c\uc0b0\ud558\uc9c0 \uc54a\uace0 \uacc4\uc18d\ud574\uc11c \uc0b6\uc744 \uc774\uc5b4 \ub098\uac08 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud558\ub294 \uc2dc\uc2a4\ud15c\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/span><\/p>\n<p><span 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