{"id":65956,"date":"2025-11-17T17:06:51","date_gmt":"2025-11-17T08:06:51","guid":{"rendered":"https:\/\/www.minbyun.or.kr\/?p=65956"},"modified":"2025-11-17T17:06:51","modified_gmt":"2025-11-17T08:06:51","slug":"%eb%af%bc%ec%83%9d%ec%9c%84%ea%b3%b5%eb%8f%99-%eb%b3%b4%eb%8f%84%ec%9e%90%eb%a3%8c-%ec%a0%84%ec%84%b8%ec%82%ac%ea%b8%b0-%ed%94%bc%ed%95%b4%ec%9e%90%c2%b7%ec%8b%9c%eb%af%bc%ec%82%ac%ed%9a%8c","status":"publish","type":"post","link":"https:\/\/www.minbyun.or.kr\/?p=65956","title":{"rendered":"[\ubbfc\uc0dd\uc704][\uacf5\ub3d9 \ubcf4\ub3c4\uc790\ub8cc] \uc804\uc138\uc0ac\uae30 \ud53c\ud574\uc790\u00b7\uc2dc\ubbfc\uc0ac\ud68c\uac00 \ud568\uaed8 \ub9cc\ub4dc\ub294  \uc804\uc138\uc0ac\uae30 \uc608\ubc29\u00b7\uad6c\uc81c \uc785\ubc95 \ud1a0\ub860\ud68c"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-65957 aligncenter\" src=\"https:\/\/minbyun.s3.ap-northeast-2.amazonaws.com\/wp-content\/uploads\/2025\/11\/17170150\/1117-%EB%AF%BC%EC%83%9D%EC%9C%84-%ED%86%A0%EB%A1%A0%ED%9A%8C.png\" alt=\"\" width=\"768\" height=\"432\" srcset=\"https:\/\/minbyun.s3.ap-northeast-2.amazonaws.com\/wp-content\/uploads\/2025\/11\/17170150\/1117-%EB%AF%BC%EC%83%9D%EC%9C%84-%ED%86%A0%EB%A1%A0%ED%9A%8C.png 768w, https:\/\/minbyun.s3.ap-northeast-2.amazonaws.com\/wp-content\/uploads\/2025\/11\/17170150\/1117-%EB%AF%BC%EC%83%9D%EC%9C%84-%ED%86%A0%EB%A1%A0%ED%9A%8C-300x169.png 300w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">\uc0ac\ud68c\ubbfc\uc8fc\ub2f9 \ud55c\ucc3d\ubbfc \uc758\uc6d0, \uc870\uad6d\ud601\uc2e0\ub2f9 \uae40\uc7ac\uc6d0\u00b7\uc2e0\uc7a5\uc2dd \uc758\uc6d0, \uc9c4\ubcf4\ub2f9 \uc190\uc194\u00b7\uc724\uc885\uc624\u00b7\uc815\ud61c\uacbd \uc758\uc6d0, \uc804\uc138\uc0ac\uae30\u00b7\uae61\ud1b5\uc804\uc138 \ud53c\ud574\uc790 \uc804\uad6d\ub300\ucc45\uc704\uc6d0\ud68c, \uc804\uc138\uc0ac\uae30\u00b7\uae61\ud1b5\uc804\uc138 \ubb38\uc81c \ud574\uacb0\uc744 \uc704\ud55c \uc2dc\ubbfc\uc0ac\ud68c\ub300\ucc45\uc704\uc6d0\ud68c, \uc8fc\uac70\uad8c\ub124\ud2b8\uc6cc\ud06c, \uc8fc\ud0dd\uc784\ub300\ucc28\ubcf4\ud638\ubc95\uac1c\uc815\uc5f0\ub300, \ubbfc\ub2ec\ud33d\uc774\uc720\ub2c8\uc628, \ubbfc\ubcc0 \ubbfc\uc0dd\uacbd\uc81c\uc704\uc6d0\ud68c, \uc8fc\ud0dd\uc138\uc785\uc790 \ubc95\ub960\uc9c0\uc6d0\uc13c\ud130 \uc138\uc785\uc790114, \ucc38\uc5ec\uc5f0\ub300, \ud55c\uad6d\ub3c4\uc2dc\uc5f0\uad6c\uc18c<\/span><\/p>\n<p style=\"text-align: center;\">\n<p style=\"text-align: center;\"><strong><span style=\"font-size: 24pt;\">[\uacf5\ub3d9 \ubcf4\ub3c4\uc790\ub8cc]<\/span><\/strong><\/p>\n<p style=\"text-align: center;\"><strong><span style=\"font-size: 24pt;\">\uc804\uc138\uc0ac\uae30 \ud53c\ud574\uc790\u00b7\uc2dc\ubbfc\uc0ac\ud68c\uac00 \ud568\uaed8 \ub9cc\ub4dc\ub294\u00a0<\/span><\/strong><\/p>\n<p style=\"text-align: center;\"><strong><span style=\"font-size: 24pt;\">\uc804\uc138\uc0ac\uae30 \uc608\ubc29\u00b7\uad6c\uc81c \uc785\ubc95 \ud1a0\ub860\ud68c<\/span><\/strong><\/p>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400; font-size: 18pt;\">\uc77c\uc2dc \uc7a5\uc18c : 2025. 11. 17.(\uc6d4) 14:00, \uad6d\ud68c\uc758\uc6d0\ud68c\uad00 \uc81c3\uac04\ub2f4\ud68c\uc758\uc2e4<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">1. 17\uc77c \uad6d\ud68c\uc5d0\uc11c \uc5f4\ub9b0 \u2018\uc804\uc138\uc0ac\uae30 \ud53c\ud574\uc790\ub4e4\uacfc \ud568\uaed8 \ub9cc\ub4dc\ub294 \uc804\uc138\uc0ac\uae30 \uc608\ubc29\u00b7\uad6c\uc81c\ubc95\u2019 \ud1a0\ub860\ud68c\uc5d0\uc11c \ud55c\ucc3d\ubbfc \uc0ac\ud68c\ubbfc\uc8fc\ub2f9 \uc758\uc6d0\uc774 \ubc1c\uc758\ud55c \uc8fc\ud0dd\uc784\ub300\ucc28\ubcf4\ud638\ubc95\u00b7\uc804\uc138\uc0ac\uae30\ud53c\ud574\uc790\ubc95 \uac1c\uc815\uc548\uc744 \ub450\uace0 \ud53c\ud574\uc790\uc640 \uc804\ubb38\uac00\ub4e4\uc774 \ud55c\uc790\ub9ac\uc5d0 \ubaa8\uc600\ub2e4. \uc774\ub4e4\uc740 \uc804\uc138\uc0ac\uae30\ub97c \u201c\uc784\ucc28\uc778\uc758 \uc8fc\uac70\uad8c\uacfc \uc0dd\uc874\uad8c\uc744 \uc704\ud611\ud558\ub294 \uc0ac\ud68c\uc801 \uc7ac\ub09c\u201d\uc73c\ub85c \uaddc\uc815\ud558\uba70, \ud53c\ud574 \uc778\uc815 \ubc94\uc704\ub97c \ub113\ud788\uace0 \uc784\ucc28\uc778 \uad8c\ub9ac\ub97c \uc2e4\uc9c8\uc801\uc73c\ub85c \uac15\ud654\ud558\ub294 \ubc95\u00b7\uc81c\ub3c4 \uac1c\ud3b8\uc744 \ucd09\uad6c\ud588\ub2e4.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">2. \ud55c\ucc3d\ubbfc \uc758\uc6d0\uc774 \uc804\uc138\ubc18\ud658\ubcf4\uc99d\uae08\ubcf4\uc99d\uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\ub294 3\ub300 \uae30\uad00(HUG, HF, SGI)\uc73c\ub85c\ubd80\ud130 \uc81c\ucd9c\ubc1b\uc740 \uc790\ub8cc\uc5d0 \ub530\ub974\uba74 2025\ub144 1~9\uc6d4\uc5d0\ub9cc 6,367\uba85\uc758 \uc784\ucc28\uc778\uc774 1\uc870 2,103\uc5b5 \uc6d0\uc758 \uc804\uc138\ubcf4\uc99d\uae08\uc744 \ub3cc\ub824\ubc1b\uc9c0 \ubabb\ud588\ub2e4. \uc804\uc138\uc0ac\uae30\ud2b9\ubcc4\ubc95\uc744 \ud1b5\ud574 2025\ub144 10\uc6d4\uae4c\uc9c0 \ud53c\ud574\uc790\ub85c \uc778\uc815\ub41c \uac74\uc218\ub9cc 3\ub9cc4,481\uac74\uc5d0 \uc774\ub978\ub2e4. \ud55c \uc758\uc6d0\uc740 \uc778\uc0ac\ub9d0\uc5d0\uc11c \uc774 \ud1b5\uacc4\uc5d0 \ub300\ud574 \uc5b8\uae09\ud558\uba70, \u201c\uc804\uc138\uc0ac\uae30\uac00 \uacc4\uc18d\ub418\uace0 \uc788\ub2e4\u201d\u201c\uc81c\ub3c4 \ubc16\uc5d0 \uc788\ub294 \ud53c\ud574\uae4c\uc9c0 \uace0\ub824\ud558\uba74 \uc2e4\uc81c \ud53c\ud574 \uaddc\ubaa8\ub294 \ud6e8\uc52c \ub354 \ud074 \uac83\u201d\uc774\ub77c\ub77c\uba70, \uc8fc\ud0dd\uc784\ub300\ucc28\ubcf4\ud638\ubc95\uacfc \uc804\uc138\uc0ac\uae30\ud2b9\ubcc4\ubc95\uc758 \uac1c\uc815 \ud544\uc694\uc131\uc744 \uc124\uba85\ud558\uc600\ub2e4.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">3. \ud55c\ucc3d \uc758\uc6d0\uc774 \ub300\ud45c\ubc1c\uc758 \ud55c \u300c\uc8fc\ud0dd\uc784\ub300\ucc28\ubcf4\ud638\ubc95\u300d \uac1c\uc815\uc548\uc5d0 \ud1b5\ud574 \uc784\ucc28\uc778\uc758 \ub300\ud56d\ub825 \ubc1c\uc0dd \uc2dc\uc810\uc744 \ub2e4\uc74c\ub0a0 0\uc2dc\uc5d0\uc11c \uadf8\ub0a0 0\uc2dc\ub85c 24\uc2dc\uac04 \uc55e\ub2f9\uae30\uace0, \uc784\ub300\ucc28\ub4f1\uae30\ub97c \ud65c\uc131\ud654\ud574 \uad8c\ub9ac\uad00\uacc4 \uc815\ubcf4\ub97c \uc27d\uac8c \ud655\uc778\ud558\ub3c4\ub85d \ud558\uba70, \ubcf4\uc99d\uae08 \ubbf8\ubc18\ud658 \uc2dc \uc784\ucc28\uc778\uc758 \uacbd\ub9e4\uccad\uad6c\uad8c\uc744 \ubcf4\uc7a5\ud558\uace0 \uacc4\uc57d\uac31\uc2e0\uccad\uad6c\uad8c \ubcf4\uc7a5 \uae30\uac04\uc744 \ud655\ub300\ud558\ub294 \ub0b4\uc6a9\uc744 \ubc95\uc548\uc5d0 \ub2f4\uace0 \uc788\ub2e4. \ub610\ud55c \ud55c\ucc3d\ubbfc \uc758\uc6d0\uc774 \ub300\ud45c\ubc1c\uc758\ud55c \u300c\uc804\uc138\uc0ac\uae30\ud53c\ud574\uc790 \uc9c0\uc6d0 \ubc0f \uc8fc\uac70\uc548\uc815\uc5d0 \uad00\ud55c \ud2b9\ubcc4\ubc95\u300d \uac1c\uc815\uc548\uc740 \uc804\uc138\uc0ac\uae30\ud53c\ud574\uc790\ub97c \uc804\uc138\ubcf4\uc99d\uae08 \ubbf8\ubc18\ud658 \ud53c\ud574\uc790\ub85c \uba85\uce6d\uc744 \ubcc0\uacbd\ud558\uc5ec \ud3ed\ub113\uac8c \uc778\uc815\ud558\uace0, \uc120\uad6c\uc81c \ud6c4\ud68c\uc218 \uc6d0\uce59, \uc804\uc138\uc0ac\uae30 \ubc30\ub4dc\ubc45\ud06c \ub4f1\uc758 \ub0b4\uc6a9\uc744 \ub2f4\uace0 \uc788\ub2e4.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">4. \ubc1c\uc81c\uc790\uc778 <\/span><b>\ucd5c\uc740\uc601 \ud55c\uad6d\ub3c4\uc2dc\uc5f0\uad6c\uc18c \uc18c\uc7a5<\/b><span style=\"font-weight: 400;\">\uc740 \ud604\ud589 \uc784\ub300\ucc28 \uc81c\ub3c4\uac00 \u201c\uc2dc\ubbfc\uc758 \uc0c1\uc2dd\uacfc \ub3d9\ub5a8\uc5b4\uc838\u201d \uc788\uae30 \ub54c\ubb38\uc5d0, \ud53c\ud574\uc790\ub4e4\uc774 \uc804\uc138\uc0ac\uae30\u00b7\uae61\ud1b5\uc804\uc138\ub97c \uacaa\uace0 \ub09c \ub4a4\uc5d0\uc57c \ube44\ub85c\uc18c \uc790\uc2e0\ub4e4\uc758 \uc8fc\uac70\uad8c \ud604\uc2e4\uc744 \uc54c\uac8c \ub418\ub294 \uc0c1\ud669\uc774\ub77c\uace0 \uc9da\uc5c8\ub2e4. \uadf8\ub294 \u2018\ube4c\ub77c\uc655\u2019\u00b7\u2018\uac74\ucd95\uc655\u2019\uc73c\ub85c \ubd88\ub9b0 \uc774\ub4e4\uc774 \uc0ac\uae30\ub97c \uce58\ub294 \ub3d9\uc548 \u201c\uad6d\uac00\ub294 \uc5b4\ub514\uc5d0\uc11c \ubb34\uc5c7\uc744 \ud558\uace0 \uc788\uc5c8\ub294\uc9c0\u201d\ub97c \ubb3b\ub294 \ud53c\ud574\uc790\ub4e4\uc758 \uc9c8\ubb38\uc774 \ud604\uc7ac \uc81c\ub3c4\uc758 \uc2e4\ud328\ub97c \uc0c1\uc9d5\ud55c\ub2e4\uace0 \uc9c0\uc801\ud588\ub2e4.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">5. \ucd5c \uc18c\uc7a5\uc740 \uc774\uba85\ubc15\u00b7\ubc15\uadfc\ud61c\u00b7\ubb38\uc7ac\uc778\u00b7\uc724\uc11d\uc5f4 \uc815\ubd80\ub97c \uac70\uce58\uba70 \uc804\uc138\ub300\ucd9c\uacfc \ubcf4\uc99d\uc774 \ud655\ub300\ub41c \u2018\ube5a\ub0b4\uc11c \uc138 \uc0b4\ub77c\u2019 \uc815\ucc45\uacfc \uc8fc\ud0dd\ub3c4\uc2dc\ubcf4\uc99d\uacf5\uc0ac(HUG)\uc758 \uc804\uc138\ubcf4\uc99d\uae08 \ubc18\ud658\ubcf4\uc99d \ud655\ub300\uac00 2022~2023\ub144 \ub300\uaddc\ubaa8 \uc804\uc138\uc0ac\uae30\u00b7\uae61\ud1b5\uc804\uc138 \uc0ac\ud0dc\uc758 \ubc30\uacbd\uc774 \ub410\ub2e4\uace0 \ubd84\uc11d\ud588\ub2e4. \ud2b9\ud788 \ubc15\uadfc\ud61c \uc815\ubd80\uc758 \uc804\uc138\ubcf4\uc99d\uae08 \ubc18\ud658\ubcf4\uc99d \ud655\ub300\uc640 \ub2f4\ubcf4\uc778\uc815\ube44\uc728(LTV) \uc0c1\ud5a5\uc774 \uc804\uc138\uc2dc\uc7a5\uc758 \uad6c\uc870\ub97c \ubc14\uafe8\uace0, \uc724\uc11d\uc5f4 \uc815\ubd80\ub294 LTV \uaddc\uc81c \uc644\ud654\uc640 \ud2b9\ub840\ub300\ucd9c\uc744 \ud1b5\ud574 \uc774 \uae30\uc870\ub97c \uc7ac\ucd94\uc9c4\ud588\ub2e4\uace0 \ube44\ud310\ud588\ub2e4.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">6. \uadf8\ub294 2023\ub144 2\uc6d4 \uc774\ud6c4 \uc804\uc138\uc0ac\uae30\u00b7\uae61\ud1b5\uc804\uc138 \ud53c\ud574\ub97c \uc785\uc740 \uc138\uc785\uc790 8\uba85\uc774 \uadf9\ub2e8\uc801 \uc120\ud0dd\uc774\ub098 \ubcd1\uc0ac\ub85c \uc228\uc9c4 \uc0ac\uc2e4\uc744 \uc0c1\uae30\uc2dc\ud0a4\uba70, \ud604\ud589 \ubc95\u00b7\uc81c\ub3c4\uac00 \uc138\uc785\uc790\uc758 \ubcf4\uc99d\uae08\uc740 \ubb3c\ub860 \uc0dd\uba85\uae4c\uc9c0 \uc9c0\ucf1c\uc8fc\uc9c0 \ubabb\ud588\ub2e4\uace0 \uc9c0\uc801\ud588\ub2e4. \ubc95\uacfc \uc81c\ub3c4\uc758 \ud5c8\uc810\uc73c\ub85c \uc9d1 \ub54c\ubb38\uc5d0 \uc0ac\ub78c\ub4e4\uc774 \ubaa9\uc228\uc744 \uc783\ub294 \uc0c1\ud669\uc744 \ub9c9\uae30 \uc704\ud574\uc11c\ub294 \uc784\ub300\ucc28\ubc95\uacfc \ud2b9\ubcc4\ubc95 \uc804\ubc18\uc5d0 \ub300\ud55c \uadfc\ubcf8\uc801\uc778 \uac1c\ud3b8\uc774 \uc2dc\uae09\ud558\ub2e4\uace0 \uac15\uc870\ud588\ub2e4.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">7. \ucd5c \uc18c\uc7a5\uc740 \ub610 \ubb38\uc7ac\uc778 \uc815\ubd80\uc758 \uc784\ub300\ucc283\ubc95(\uacc4\uc57d\uac31\uc2e0\uccad\uad6c\uad8c\u00b7\uc804\uc6d4\uc138\uc0c1\ud55c\uc81c\u00b7\uc784\ub300\ucc28\uc2e0\uace0\uc81c)\uc774 \ub3c4\uc785\ub418\uae30 \uc804, 2\ub144 \uacc4\uc57d\ub9cc\uc73c\ub85c\ub294 \uc911\uc0b0\uce35\uae4c\uc9c0 \ud3ec\ud568\ud55c \uc138\uc785\uc790\ub4e4\uc758 \uc8fc\uac70 \ubd88\uc548\uacfc \uc8fc\uac70\ube44 \uacfc\ubd80\ub2f4\uc774 \uc2ec\uac01\ud588\ub2e4\uace0 \uc124\uba85\ud588\ub2e4. \uadf8\ub7ec\uba74\uc11c \uc724\uc11d\uc5f4 \uc815\ubd80\uc640 \uc77c\ubd80 \uc815\uce58\uc138\ub825\uc774 \uc784\ub300\ucc283\ubc95 \ud0d3\uc5d0 \uc804\u00b7\uc6d4\uc138 \uac00\uaca9\uc774 \uae09\ub4f1\ud558\uace0 \uc804\uc138\uc758 \uc6d4\uc138\ud654\uac00 \uc9c4\ud589\ub410\ub2e4\uace0 \uc8fc\uc7a5\ud558\uc9c0\ub9cc, \uc2e4\uac70\ub798\uac00 \ubd84\uc11d \ub4f1 \uc2e4\uc99d\uc790\ub8cc\ub85c \ubcf4\uba74 \uadf8\ub7f0 \ube44\ud310\uc740 \uc124\ub4dd\ub825\uc774 \uc57d\ud558\ub2e4\uace0 \ubc18\ubc15\ud588\ub2e4.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">8. \ucd5c \uc18c\uc7a5\uc740 \ud2b9\ud788 \uac31\uc2e0\uccad\uad6c\uad8c\uc5d0 \ub300\ud55c \uc138\uc785\uc790\ub4e4\uc758 \ud3c9\uac00\uc5d0 \ub300\ud574\uc11c\ub3c4 \uc5b8\uae09\ud558\uc600\ub2e4. \ubc1c\uc81c\uc5d0\uc11c \uc81c\uc2dc\ub41c \ud55c\uad6d\ub3c4\uc2dc\uc5f0\uad6c\uc18c\uac00 2021\ub144 \uc774\ud6c4 \uccad\uc8fc\u00b7\ub2f9\uc9c4\u00b7\uc804\uc8fc\u00b7\uc548\uc131\u00b7\uacfc\ucc9c\u00b7\ucd98\ucc9c\u00b7\uc218\uc6d0\u00b7\ucc9c\uc548\u00b7\uc2dc\ud765 \ub4f1 9\uac1c \uae30\ucd08\uc9c0\uc790\uccb4\uc640 \ud568\uaed8 \uc218\ud589\ud55c \uc8fc\uac70\uc2e4\ud0dc\uc870\uc0ac(\uad6d\uac00\uc2b9\uc778\ud1b5\uacc4)\uc5d0 \ub530\ub974\uba74, \uc784\ub300\ucc283\ubc95\uc5d0 \ub300\ud55c \ucc2c\uc131 \uc5ec\ub860\uc740 \uc81c\ub3c4\uac00 \uc548\ucc29\ud560\uc218\ub85d \uafb8\uc900\ud788 \uc0c1\uc2b9\ud558\ub294 \uacbd\ud5a5\uc744 \ubcf4\uc600\ub2e4. \uc218\ub3c4\uad8c \uc9c0\uc790\uccb4 \uac00\uc6b4\ub370 \uc548\uc131\uc2dc\ub294 2023\ub144 \uc870\uc0ac\uc5d0\uc11c \ucc2c\uc131\uc774 51.8%, 2024\ub144\uc5d0 \uc870\uc0ac\ub41c \uc218\uc6d0\uc2dc\ub294\u00a0 52.4%, \uc2dc\ud765\uc2dc\ub294 61.3%\ub85c \uac01\uac01 \uacfc\ubc18\uc744 \ub118\uacbc\ub2e4. \uac19\uc740 \uc870\uc0ac\uc5d0\uc11c \ubc18\ub300 \uc751\ub2f5\uc740 \uc548\uc131 7.2%, \uc218\uc6d0 9.2%, \uc2dc\ud765 6.2%\uc5d0 \uadf8\ucce4\ub2e4.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">9. \ubc1c\uc81c \uc774\ud6c4 \uccab \ubc88\uc9f8 \ud1a0\ub860\uc5d0 \ub098\uc120 <\/span><b>\uc18c\ud604\ubbfc \ubcc0\ud638\uc0ac(\ucc38\uc5ec\uc5f0\ub300 \ubbfc\uc0dd\ud76c\ub9dd\ubcf8\ubd80 \uc2e4\ud589\uc704\uc6d0)<\/b><span style=\"font-weight: 400;\">\ub294 \ud55c\ucc3d\ubbfc \uc758\uc6d0\uc758 \uc8fc\ud0dd\uc784\ub300\ucc28\ubcf4\ud638\ubc95 \uac1c\uc815\uc548\uc774 \uc81c\uc2dc\ud55c \u2018\ub300\ud56d\ub825 \ubc1c\uc0dd\uc2dc\uc810\u2019 \ubcc0\uacbd\uc758 \uc758\ubbf8\ub97c \uc9da\uc5c8\ub2e4. \uadf8\ub294 \ud604\uc7ac \uc784\ucc28\uc778\uc774 \uc8fc\ud0dd\uc744 \uc778\ub3c4\ubc1b\uace0 \uc804\uc785\uc2e0\uace0\ub97c \ud574\ub3c4 \ub2e4\uc74c \ub0a0\ubd80\ud130 \ub300\ud56d\ub825\uc774 \uc0dd\uae30\uae30 \ub54c\ubb38\uc5d0 \ub4f1\uae30\ub418\ub294 \uad8c\ub9ac\ubcf4\ub2e4 \uc784\ucc28\uad8c\uc774 \ud56d\uc0c1 \ud6c4\uc21c\uc704\ub85c \ubc00\ub824 \ud53c\ud574\uac00 \ubc1c\uc0dd\ud55c\ub2e4\uace0 \uc124\uba85\ud558\uba70, \ub300\ud56d\ub825 \ubc1c\uc0dd\uc2dc\uc810\uc744 \u201c\uadf8 \ub2e4\uc74c \ub0a0\u201d\uc774 \uc544\ub2c8\ub77c \u201c\uadf8\ub0a0 0\uc2dc\ubd80\ud130\u201d\ub85c \ubc14\uafd4 \uc804\uc138\uc0ac\uae30\u00b7\uae61\ud1b5\uc804\uc138\uc5d0\uc11c \ubc18\ubcf5\ub41c \u2018\ub3d9\uc2dc\uc9c4\ud589\ud615\u2019 \uc0ac\uae30\ub97c \ub9c9\uc544\uc57c \ud55c\ub2e4\uace0 \uc8fc\uc7a5\ud588\ub2e4.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">10. \uc774\uc5b4 <\/span><b>\uc11c\ub3d9\uaddc \ubbfc\ub2ec\ud33d\uc774\uc720\ub2c8\uc628 \uc704\uc6d0\uc7a5<\/b><span style=\"font-weight: 400;\">\uc740 \uc138\uc785\uc790 \uad00\uc810\uc5d0\uc11c \uc784\ub300\ucc283\ubc95\uacfc \ud55c\ucc3d\ubbfc \uc758\uc6d0\uc548\uc758 \uc758\ubbf8\ub97c \uc9da\uc5c8\ub2e4. \uadf8\ub294 \u201c\uacc4\uc57d\uac31\uc2e0\uccad\uad6c\uad8c \ub54c\ubb38\uc5d0 \uc138\uc785\uc790\uac00 \ud53c\ud574\ub97c \uc785\ub294\ub2e4\u201d\ub294 \uacf5\uaca9\uc774 \uc774\uc5b4\uc9c0\uace0 \uc788\uc73c\ub098, \uacc4\uc57d\uac31\uc2e0\uccad\uad6c\uad8c\uc774 \ud5cc\ubc95\uc7ac\ud310\uc18c\uc5d0\uc11c \ub9cc\uc7a5\uc77c\uce58\ub85c \ud569\ud5cc \uacb0\uc815\uc744 \ubc1b\uc740 \uc81c\ub3c4\uc774\uace0, \uc774\ubbf8 \uc138\uc785\uc790\ub4e4\uc774 \uac31\uc2e0\uccad\uad6c\uad8c\uc744 \uc0ac\uc6a9\ud558\uace0 \ucda9\ubd84\ud55c \uc9c0\uc9c0\ub97c \ubcf4\ub0b4\uace0 \uc788\ub2e4\uace0 \uac15\uc870\ud588\ub2e4. \uc11c \uc704\uc6d0\uc7a5\uc740 \uc804\uc138\uc0ac\uae30\u00b7\uae61\ud1b5\uc804\uc138 \uc7ac\ub09c\uc744 \uacc4\uae30\ub85c \u201c\uc9d1\uc744 \ube4c\ub9b4 \uc218\ubc16\uc5d0 \uc5c6\ub294 \uc0ac\ub78c\ub4e4\uc744 \uc704\ud55c \uc815\uce58\u201d, \uc138\uc785\uc790\uc758 \uace0\ud1b5\uc744 \ucc45\uc784\uc9c0\ub294 \uc815\uce58\ub97c \ub9cc\ub4e4\uc5b4\uc57c \ud55c\ub2e4\uace0 \ub9d0\ud588\ub2e4.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">11. \ud1a0\ub860\uc5d0 \ub098\uc120 <\/span><b>\uc804\uc138\uc0ac\uae30\u00b7\uae61\ud1b5\uc804\uc138 \ud53c\ud574\uc790 \uc804\uad6d\ub300\ucc45\uc704 \uc774\ucca0\ube48 \uacf5\ub3d9\uc704\uc6d0\uc7a5<\/b><span style=\"font-weight: 400;\">\uc740 \u201c\uc804\uc138\uc0ac\uae30 \ub300\ub780\uc5d0\ub3c4 \uc138\uc785\uc790 \uad8c\ub9ac\ubcf4\ud638 \ubc29\uc548\uc740 \ub098\uc544\uc9c4\uac8c \uc5c6\uc73c\uba70, \uc774 \uc640\uc911\uc5d0 \uc11c\uc6b8\uc2dc \uccad\ub144\uc548\uc2ec\uc8fc\ud0dd\uc5d0\uc11c\ub3c4 \ubcf4\uc99d\uae08 \ubbf8\ubc18\ud658 \uc0ac\ud0dc\uac00 \ubc1c\uc0dd\ud55c \uac83\uc740 \uc138\uc785\uc790 \ubcf4\ud638\uc5d0 \uc2e4\ud328\ud55c \uc6b0\ub9ac \uc0ac\ud68c \ub2e8\uba74\uc744 \ubcf4\uc5ec\uc8fc\ub294 \uc0c1\uc9d5\uc801\uc778 \uc0ac\uac74\u201d\uc774\ub77c\uba70 \u201c\uc804\uc138\uc0ac\uae30\ub97c \uacbd\ud5d8\ud55c \uc774\ud6c4\ub85c\ub294 \ub300\ucd9c\uacfc \ubcf4\uc99d\ubcf4\ud5d8\uc73c\ub85c \uc9c0\ud0f1\ud558\ub358 \uc804\uc138 \uc81c\ub3c4\ub294 \ub354 \uc774\uc0c1 \uc720\uc9c0\ud558\uae30 \uc5b4\ub835\ub2e4\u201d, \u201c\uc8fc\ud0dd\uc784\ub300\ucc28\ubcf4\ud638\ubc95\uc5d0 \uc804\uc138\uc0ac\uae30 \ubc29\uc9c0\ubc29\uc548\uacfc \uc138 \uc785\uc790 \uad8c\ub9ac\uac15\ud654 \ubc29\uc548\uc744 \ubc18\uc601\ud558\ub294 \uac83\ubd80\ud130 \uc2dc\uc791\ud574\uc57c\u201d\ud55c\ub2e4\uace0 \uac15\uc870\ud588\ub2e4. \ub05d\uc73c\ub85c <\/span><b>\uad6d\ud1a0\uc5f0\uad6c\uc6d0 \uc724\uc131\uc9c4 \ubd80\uc5f0\uad6c\uc704\uc6d0<\/b><span style=\"font-weight: 400;\">\uc740 \u201c\uc704\ud5d8\ud55c \uc804\uc138\ub97c \uaddc\uc728\ud574\uc57c\u201d\ud558\uace0, \u201c\uc704\ud5d8\uc131\uc744 \uc810\uac80\u00b7\uc9c0\uc6d0 \ud560 \uc218 \uc788\ub294 \uccb4\uacc4(\uc9c0\uc790\uccb4, \uc740\ud589, \ubcf4\uc99d\uae30\uad00 \ub4f1)\ub97c \uad6c\ucd95\ud558\ub294 \uac83\uc774 \ud544\uc694\u201d\ud558\ub2e4\uace0 \uc124\uba85\ud588\ub2e4.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u25a3 \ubcf4\ub3c4\uc790\ub8cc [<\/span><a href=\"https:\/\/docs.google.com\/document\/d\/1GUGSQ8xQmkuKKPzrUUcm6w3qPf1AC_KnvWVwDx3G5yo\/edit?usp=sharing\"><span style=\"font-weight: 400;\">\uc6d0\ubb38\ubcf4\uae30\/\ub2e4\uc6b4\ub85c\ub4dc<\/span><\/a><span style=\"font-weight: 400;\">]<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u25a3 \uc790\ub8cc\uc9d1 [<\/span><a href=\"https:\/\/drive.google.com\/file\/d\/15EKXGLwkl7jELtUBVB5yoiWkPyFovs9i\/view?usp=drive_link\"><span style=\"font-weight: 400;\">\uc6d0\ubb38\ubcf4\uae30\/\ub2e4\uc6b4\ub85c\ub4dc<\/span><\/a><span style=\"font-weight: 400;\">]<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u25a3 \ubd99\uc7841. \ud1a0\ub860\ud68c \uac1c\uc694<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u25a3 \ubd99\uc7841. \ud1a0\ub860\ud68c \uac1c\uc694<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\uc81c\ubaa9 <\/b><span style=\"font-weight: 400;\">: \uc804\uc138\uc0ac\uae30 \ud53c\ud574\uc790\ub4e4\uacfc \ud568\uaed8 \ub9cc\ub4dc\ub294 \uc804\uc138\uc0ac\uae30 \uc608\ubc29\u00b7\uad6c\uc81c \uc785\ubc95 \ud1a0\ub860\ud68c\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\uc77c\uc2dc \ubc0f \uc7a5\uc18c<\/b><span style=\"font-weight: 400;\"> : 2025\ub144 11\uc6d4 17\uc77c(\uc6d4) \uc624\ud6c4 2\uc2dc, \uad6d\ud68c \uc758\uc6d0\ud68c\uad00 \uc81c3\uac04\ub2f4\ud68c\uc758\uc2e4\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\uc8fc\ucd5c <\/b><span style=\"font-weight: 400;\">: \uc0ac\ud68c\ubbfc\uc8fc\ub2f9 \ud55c\ucc3d\ubbfc \uc758\uc6d0, \uc870\uad6d\ud601\uc2e0\ub2f9 \uae40\uc7ac\uc6d0\u00b7\uc2e0\uc7a5\uc2dd \uc758\uc6d0, \uc9c4\ubcf4\ub2f9 \uc190\uc194\u00b7\uc724\uc885\uc624\u00b7\uc815\ud61c\uacbd \uc758\uc6d0, \uc804\uc138\uc0ac\uae30\u00b7\uae61\ud1b5\uc804\uc138 \ud53c\ud574\uc790 \uc804\uad6d\ub300\ucc45\uc704\uc6d0\ud68c, \uc804\uc138\uc0ac\uae30\u00b7\uae61\ud1b5\uc804\uc138 \ubb38\uc81c \ud574\uacb0\uc744 \uc704\ud55c \uc2dc\ubbfc\uc0ac\ud68c\ub300\ucc45\uc704\uc6d0\ud68c, \uc8fc\uac70\uad8c\ub124\ud2b8\uc6cc\ud06c, \uc8fc\ud0dd\uc784\ub300\ucc28\ubcf4\ud638\ubc95\uac1c\uc815\uc5f0\ub300, \ubbfc\ub2ec\ud33d\uc774\uc720\ub2c8\uc628, \ubbfc\ubcc0 \ubbfc\uc0dd\uacbd\uc81c\uc704\uc6d0\ud68c, \uc8fc\ud0dd\uc138\uc785\uc790 \ubc95\ub960\uc9c0\uc6d0\uc13c\ud130 \uc138\uc785\uc790114, \ucc38\uc5ec\uc5f0\ub300, \ud55c\uad6d\ub3c4\uc2dc\uc5f0\uad6c\uc18c\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>\uc9c4\ud589\uc548<\/b><\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">\uc0ac\ud68c : \uae40\ub0a8\uc8fc \ubbfc\ubcc0 \ubbfc\uc0dd\uacbd\uc81c\uc704\uc6d0\ud68c \uc704\uc6d0\uc7a5<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">\ubc1c\uc81c : \ucd5c\uc740\uc601 \ud55c\uad6d\ub3c4\uc2dc\uc5f0\uad6c\uc18c \uc18c\uc7a5<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">\ud1a0\ub860<\/span>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"3\"><span style=\"font-weight: 400;\">\uc18c\ud604\ubbfc \ubcc0\ud638\uc0ac, \ucc38\uc5ec\uc5f0\ub300 \ubbfc\uc0dd\ud76c\ub9dd\ubcf8\ubd80 \uc2e4\ud589\uc704\uc6d0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"3\"><span style=\"font-weight: 400;\">\uc11c\ub3d9\uaddc \ubbfc\ub2ec\ud33d\uc774\uc720\ub2c8\uc628 \uc704\uc6d0\uc7a5<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"3\"><span style=\"font-weight: 400;\">\uc774\ucca0\ube48 \uc804\uc138\uc0ac\uae30\u00b7\uae61\ud1b5\uc804\uc138 \ud53c\ud574\uc790 \uc804\uad6d\ub300\ucc45\uc704\uc6d0\ud68c \uc704\uc6d0\uc7a5<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"3\"><span style=\"font-weight: 400;\">\uc724\uc131\uc9c4 \uad6d\ud1a0\uc5f0\uad6c\uc6d0 \ubd80\uc5f0\uad6c\uc704\uc6d0<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; \uc0ac\ud68c\ubbfc\uc8fc\ub2f9 \ud55c\ucc3d\ubbfc \uc758\uc6d0, \uc870\uad6d\ud601\uc2e0\ub2f9 \uae40\uc7ac\uc6d0\u00b7\uc2e0\uc7a5\uc2dd \uc758\uc6d0, \uc9c4\ubcf4\ub2f9 \uc190\uc194\u00b7\uc724\uc885\uc624\u00b7\uc815\ud61c\uacbd \uc758\uc6d0, \uc804\uc138\uc0ac\uae30\u00b7\uae61\ud1b5\uc804\uc138 \ud53c\ud574\uc790 \uc804\uad6d\ub300\ucc45\uc704\uc6d0\ud68c, \uc804\uc138\uc0ac\uae30\u00b7\uae61\ud1b5\uc804\uc138 \ubb38\uc81c \ud574\uacb0\uc744 \uc704\ud55c \uc2dc\ubbfc\uc0ac\ud68c\ub300\ucc45\uc704\uc6d0\ud68c, \uc8fc\uac70\uad8c\ub124\ud2b8\uc6cc\ud06c, \uc8fc\ud0dd\uc784\ub300\ucc28\ubcf4\ud638\ubc95\uac1c\uc815\uc5f0\ub300, \ubbfc\ub2ec\ud33d\uc774\uc720\ub2c8\uc628, \ubbfc\ubcc0 \ubbfc\uc0dd\uacbd\uc81c\uc704\uc6d0\ud68c, \uc8fc\ud0dd\uc138\uc785\uc790 \ubc95\ub960\uc9c0\uc6d0\uc13c\ud130 \uc138\uc785\uc790114, \ucc38\uc5ec\uc5f0\ub300, \ud55c\uad6d\ub3c4\uc2dc\uc5f0\uad6c\uc18c [\uacf5\ub3d9 \ubcf4\ub3c4\uc790\ub8cc] [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":65957,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2198,2201,6,2149],"tags":[],"class_list":["post-65956","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-2198","category-sub-banner","category-voice","category-2149"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>[\ubbfc\uc0dd\uc704][\uacf5\ub3d9 \ubcf4\ub3c4\uc790\ub8cc] \uc804\uc138\uc0ac\uae30 \ud53c\ud574\uc790\u00b7\uc2dc\ubbfc\uc0ac\ud68c\uac00 \ud568\uaed8 \ub9cc\ub4dc\ub294 \uc804\uc138\uc0ac\uae30 \uc608\ubc29\u00b7\uad6c\uc81c \uc785\ubc95 \ud1a0\ub860\ud68c - \ubbfc\uc8fc\uc0ac\ud68c\ub97c \uc704\ud55c \ubcc0\ud638\uc0ac\ubaa8\uc784<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.minbyun.or.kr\/?p=65956\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[\ubbfc\uc0dd\uc704][\uacf5\ub3d9 \ubcf4\ub3c4\uc790\ub8cc] \uc804\uc138\uc0ac\uae30 \ud53c\ud574\uc790\u00b7\uc2dc\ubbfc\uc0ac\ud68c\uac00 \ud568\uaed8 \ub9cc\ub4dc\ub294 \uc804\uc138\uc0ac\uae30 \uc608\ubc29\u00b7\uad6c\uc81c \uc785\ubc95 \ud1a0\ub860\ud68c - \ubbfc\uc8fc\uc0ac\ud68c\ub97c \uc704\ud55c \ubcc0\ud638\uc0ac\ubaa8\uc784\" \/>\n<meta property=\"og:description\" content=\"&nbsp; \uc0ac\ud68c\ubbfc\uc8fc\ub2f9 \ud55c\ucc3d\ubbfc \uc758\uc6d0, \uc870\uad6d\ud601\uc2e0\ub2f9 \uae40\uc7ac\uc6d0\u00b7\uc2e0\uc7a5\uc2dd \uc758\uc6d0, \uc9c4\ubcf4\ub2f9 \uc190\uc194\u00b7\uc724\uc885\uc624\u00b7\uc815\ud61c\uacbd \uc758\uc6d0, 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