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header_6_line_height__hover_enabled=&#8221;1em&#8221; header_6_text_shadow_style__hover=&#8221;none&#8221; header_6_text_shadow_style__hover_enabled=&#8221;none&#8221; header_6_text_shadow_color__hover=&#8221;rgba(0,0,0,0.4)&#8221; header_6_text_shadow_color__hover_enabled=&#8221;rgba(0,0,0,0.4)&#8221; text_letter_spacing__hover=&#8221;0px&#8221; text_letter_spacing__hover_enabled=&#8221;0px&#8221; text_text_shadow_style__hover=&#8221;none&#8221; text_text_shadow_style__hover_enabled=&#8221;none&#8221; text_text_shadow_color__hover=&#8221;rgba(0,0,0,0.4)&#8221; text_text_shadow_color__hover_enabled=&#8221;rgba(0,0,0,0.4)&#8221;]<\/p>\n<p>2023\ub144\uc744 \ub9de\uc774\ud558\uc5ec \ud76c\ub9dd\uc744 \uc598\uae30\ud558\uae30 \ubcf4\ub2e4 \ud639\ub3c5\ud55c \uace0\ud1b5\uc744 \uc774\uaca8\ub0b4\uc57c \ud55c\ub2e4\ub294 \ub9d0\uc744 \ud558\ub294 \uac83\uc774 \uc548\ud0c0\uae5d\ub2e4. \uae08\ub144\ub3c4 \uc138\uacc4\uacbd\uc81c\ub294 \ubd88\uacbd\uae30 \uc815\ub3c4\uac00 \uc544\ub2c8\ub77c \ubd88\ud669 \uc790\uccb4\uac00 \ub420 \uac00\ub2a5\uc131\uc774 \ud06c\ub2e4. \ud2b9\ud788 \uac00\uacc4\ubd80\ucc44\uac00 \uc18c\ub4dd\ub300\ube44 \ube44\uc728\uc774 \ub192\uc740 \ud55c\uad6d\uacfc \uce90\ub098\ub2e4 \uad6d\ubbfc\ub4e4\uc758 \uccb4\uac10 \uace0\ud1b5\uc774 \uc544\uc8fc \uc2ec\ud560 \uac70\ub85c \ubcf4\uc778\ub2e4.<\/p>\n<p>\uadf8\ub3d9\uc548 \uc800\uae08\ub9ac \ub355\uc5d0 \ucd5c\uc18c \uc774\uc790\ub97c \uc0c1\ud658\ud558\uba74\uc11c \uc740\ud589\ub3c8\uc744 \ub0b4\ub3c8\ucc98\ub7fc \uc4f0\ub2e4\uac00 \ubd88\uacfc 1\ub144 \uc0ac\uc774\uc5d0 \uc0c1\ud658\ud574\uc57c\ud560 \uc774\uc790\uac00 \ub450\ubc30 \uc774\uc0c1\uc73c\ub85c \ub298\uc5b4\ub098 \u2018\uc774\uc790\ubd80\ub2f4\u2019\uc774 \u2018\uc0c1\ud658\uace0\ud1b5\u2019\uc73c\ub85c \ub2e4\uac00\uc640 \uc788\ub2e4.<\/p>\n<p>\uacbd\uc81c\uac00 \uc5b4\ub824\uc6b8 \uac83\uc774\ub77c\ub294 \uac83\uc740 \ub204\uad6c\ub098 \uc608\uc0c1\ud558\uace0, \uc810\uc810 \ud53c\ubd80\ub85c \ub290\ub07c\uace0 \uac01\uc624\ud558\uace0 \uc788\uc9c0\ub9cc \u2018\uc5bc\ub9c8\ub098 \ud639\ub3c5\ud560 \uac83\uc778\uac00?\u2019\uc5d0 \ub300\ud55c \uc608\uc0c1\uacfc \uae30\ub300\ub294 \uc81c \uac01\uac01 \uc77c \uac83\uc774\ub2e4. \uc5b4\ub290 \ub098\ub77c\ub098 \uc815\ubd80\ub294 \uad6d\ubbfc\ub4e4\uc5d0\uac8c \uc88b\uc740 \ub9d0\uc744 \ud574 \uc8fc\ub824\uace0 \ub178\ub825\ud55c\ub2e4. \uadf8\uac83\uc774 \uc815\uad8c\uc744 \uc720\uc9c0\ud558\ub294\ub370 \ub3c4\uc6c0\uc774 \ub418\uae30 \ub54c\ubb38\uc774\ub2e4. \uadf8\ub7fc\uc5d0\ub3c4 \uad6d\ubbfc\ub4e4\uc5d0\uac8c \u201c\uacbd\uc81c\uc801 \uace0\ud1b5\uc774 \uc62c \uac83\uc774\ub2e4\u201d\ub77c\uace0 \uc5b8\uae09\ud558\ub294 \uad6d\uac00\uac00 \ub298\uc5b4\ub098\uace0 \uc788\ub2e4. \uac10\ub2f9\ud560 \uc218 \uc5c6\uac8c \ub3c8\uc744 \ud480\uc5b4\ub193\uc544 \ubb3c\uac00 \ud3ed\ub4f1\uc774\ub77c\ub294 \uacb0\uacfc\ub97c \uac00\uc838\uc654\uace0, \ubb3c\uac00\ub97c \uc7a1\uc73c\ub824\ub2c8 \uad6d\ubbfc\ub4e4\uc5d0\uac8c \uace0\ud1b5\uc744 \uc900\ube44\ud558\ub77c\uace0 \uc598\uae30\ud560 \uc218\ubc16\uc5d0 \uc5c6\ub2e4. \uadf8\ub807\uc9c0 \uc54a\uc73c\uba74 \ub354 \ud639\ub3c5\ud55c \uc2dc\ub828\uc774 \uc7a5\uae30\uac04 \uacc4\uc18d\ub420 \uac83\uc774\uae30 \ub54c\ubb38\uc774\ub9ac\ub77c.<\/p>\n<p>&nbsp;<\/p>\n<h3><strong>\u2018\uc774\uc790\ubd80\ub2f4\u2019\uc774 \u2018\uc0c1\ud658\uace0\ud1b5\u2019\uc73c\ub85c<\/strong><\/h3>\n<p>&nbsp;<\/p>\n<p>\ud55c\uad6d\uc815\ubd80\uac00 \uc81c\uc2dc\ud55c \ub0b4\ub144\ub3c4 \uacbd\uc81c\uc131\uc7a5\uc728\uc774 \u20181.6% \uc131\uc7a5\u2019 \uc774\ub2e4. (\uc815\ubd80 \ubaa9\ud45c \ud3c9\uade0 3.0% \uc131\uc7a5) \uacbd\uc81c\ud559\uacc4\uc5d0\uc11c \ub300\ud45c\uc801\uc778 \ube44\uad00\ub860\uc790\uc778 \ub274\uc695\ub300\uc758 \ub8e8\ube44\ub2c8 \uad50\uc218\ub294 \uc138\uacc4\uacbd\uc81c\uac00 10\uac00\uc9c0 \uc704\ud611\uc774 \ub3d9\uc2dc \ub2e4\ubc1c\uc801\uc73c\ub85c \ub4f1\uc7a5\ud558\ub294 \ucd08\uac70\ub300 \uc704\ud611\uc5d0 \uc9c1\uba74\ud558\uace0 \uc788\ub2e4\uace0 \ud588\ub2e4. \uacfc\uac70\uc758 \uc704\ud611\uc740 \uc131\uc7a5, \ubd88\ud669, \uc778\ud50c\ub808\uc774\uc158, \ub514\ud50c\ub808\uc774\uc158, \uc790\uc0b0\uac00\uaca9\uc758 \uae09\ub4f1\ub77d \ub4f1\uc774\uc5c8\ub294\ub370 \ub2e4\uac00\uc624\ub294 \uc704\uae30\ub294 \ud1b5\ud654. \ud658\uc728 \ub4f1 \uae08\uc735\uc740 \ubb3c\ub860\uc774\uace0 \ubb34\uc5ed, \ud658\uacbd, \uc9c0\uc815\ud559, \uac10\uc5fc\ubcd1\uc758 \ucc3d\uad90(\ud39c\ub370\ubbf9) \ub4f1 \ub2e4\uc591\ud55c \uc704\uae30\uac00 \ubcf5\ud569\uc801\uc73c\ub85c \uc5bd\ud600 \uac70\ub300\ud55c \uc704\ud611\uc73c\ub85c \ub2e4\uac00\uc624\uace0 \uc788\ub2e4\ub294 \uac83\uc774\ub2e4. \uadf8\ub294 \ud604\uc7ac\ub97c 100\ub144\uc804 1\ucc28 \uc138\uacc4\ub300\uc804\ubd80\ud130 2\ucc28 \ub300\uc804\uc744 \uac70\uccd0 \ud55c\uad6d\uc804\uc7c1\uae4c\uc9c0 \uc774\uc5b4\uc9c0\ub294 \uc0c1\ud669\uacfc \ube44\uc2b7\ud558\ub2e4\ub294 \uac83\uc774\ub2e4. \uc624\ub298\ub0a0 \uc704\uae30 \uc0c1\ud669\uc758 \uc804\ub9dd\uc774 \ub354 \uc5b4\ub450\uc6b4 \uac83\uc740 100\ub144 \uc804\uc5d0 \uc5c6\uc5c8\ub358 \u2018\uae30\ud6c4\uc704\uae30\u2019\ub098 \u2018AI\uc758 \uc704\ud611\u2019(\ub9ce\uc740 \uc77c\uc790\ub9ac \ud30c\uad34)\uc774 \ucd94\uac00\ub418\uc5b4 \ubcf5\ud569\uc801\uc73c\ub85c \uc5bd\ud600\uc11c \ucd08\ub300\ud615 \uc704\ud611\uc73c\ub85c \ubcc0\ud588\uae30 \ub54c\ubb38\uc774\ub77c \ud55c\ub2e4. \uc774\ub7ec\ud55c \ucd08\ub300\ud615 \uc704\ud611\uc5d0 \ub300\uc751\ud560 \uc218 \uc788\ub294 \ud574\ubc95\uc73c\ub85c\ub294 \uad6d\uc81c\uc801 \ud611\ub825, \ubbfc\uac04\uacfc \uc815\ubd80\uac04 \ud611\ub825\uc744 \uc81c\uc2dc\ud558\uba74\uc11c \ub2f9\uc7a5 \uc2e4\ucc9c\ud574\uc57c \ud55c\ub2e4\uace0 \uc8fc\uc7a5\ud558\uace0 \uc788\ub2e4.<\/p>\n<p>\uc6b0\uc6b8\ud55c \uc804\ub9dd\ub4e4\uc774 \ub208\uc55e\uc5d0 \uac00\ub4dd\ud574\ub3c4 \uace0\ud1b5\uc740 \ud76c\ub9dd\uc758 \ub048\uc744 \ub193\uae30 \uc9c1\uc804\uae4c\uc9c0\ub9cc \uc624\uba74 \uc88b\uaca0\ub2e4. \uadf8\ub9ac\uace0 \ud76c\ub9dd\uc774 \uac00\ub4dd\ud55c 2023\ub144\uc744 \ub9de\uc774\ud558\uba74 \uc88b\uaca0\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>\u25a0\ud56d\ubaa9\ubcc4 2023\ub144 \uc804\ub9dd<\/p>\n<p>&nbsp;<\/p>\n<p>\u25b2\uc8fc\uc2dd &#8211; \u2018\uc644\ub9cc\ud55c \ud558\ud5a5 \ucd94\uc138\u2019<\/p>\n<p>\ud55c\uad6d, \ubbf8\uad6d, \uce90\ub098\ub2e4 \uc8fc\uc2dd\uc2dc\uc7a5\uc740 2022\ub144 \ud55c\ud574\ub3d9\uc548 \uc5f0\ucd08 \ub300\ud45c\uc9c0\uc218\ubcf4\ub2e4 \ud558\ub77d\ud55c \uc0c1\ud0dc\ub85c \uc7a5\uc744 \ub9c8\uac10\ud588\ub2e4. \uc5b4\ub5a4 \uba74\uc5d0\uc11c\ub294 \uc120\ubc29\ud588\ub2e4\uace0 \ud558\ub098 \uc885\uc0ac\uc790\ub4e4\uc758 \ub9c8\uc74c\uc740 \ud3b8\uce58 \uc54a\uc744 \uac70\ub2e4. \ubbf8\uad6d\uacfc \uce90\ub098\ub2e4\ub294 10% \uc218\uc900\uc774 \ud558\ub77d\ud588\uace0 \ud55c\uad6d\uc740 \uc774\ub4e4 \ub098\ub77c\uc5d0 \ube44\ud574 \ub450 \ubc30\uac00\uae4c\uc6b4 \ud558\ub77d\uc138\ub97c \ub098\ud0c0\ub0c8\ub2e4 (20% \uc774\uc0c1 \ud558\ub77d) \ubb38\uc81c\ub294 \uc774 \ud558\ub77d\uc774 2022\ub144\uc73c\ub85c \ub05d\uc774 \uc544\ub2c8\ub77c 2023\ub144\uc744 \uad00\ud1b5\ud558\uace0 \uadf8 \uc774\ud6c4\uc5d0\ub3c4 \uacc4\uc18d\ub420 \uc218 \uc788\ub2e4\ub294 \uc6b0\uc6b8\ud55c \uc804\ub9dd\ub3c4 \ub098\uc628\ub2e4\ub294 \uc810\uc774\ub2e4. 2023\ub144 \uac01\uad6d \uc8fc\uc2dd\uc2dc\uc7a5\uc5d0 \ub300\ud55c \uc804\ub9dd\uc740 \uacf5\ud1b5\uc801\uc73c\ub85c \uace0\uae08\ub9ac\uc5d0 \uc801\uc751\ud558\uace0 \uae30\uc5c5\uc2e4\uc801\uc5d0 \ub530\ub77c \uacb0\uc815\ub420 \uac83 \uc774\ub77c \ud558\uc9c0\ub9cc \uc591\ud638\ud55c \uc2e4\uc801\uc744 \uc2e4\ud604\ud560 \uae30\uc5c5\uc774 \uc798 \uc548 \ubcf4\uc778\ub2e4\ub294 \uc810\uc774\ub2e4.<\/p>\n<p>2023\ub144 \uc911 \uc77c\uc2dc\uc801\uc778 \ubc18\ub4f1\uc740 \uc788\uc744 \uac83\uc774\ub098 \ucd94\uc138\ub294 \u2018\uc644\ub9cc\ud55c \ud558\ud5a5\u2019\uc73c\ub85c \uc804\ub9dd\ud55c\ub2e4. \u2018\uc0c1\ubc18\uae30 \ud558\ub77d\u2019\uc5d0 \u2018\ud558\ubc18\uae30 \uc77c\ubd80 \ud68c\ubcf5\u2019\uc73c\ub85c \uc608\uc0c1\ud55c\ub2e4. \ud558\ubc18\uae30\uc5d0 \ub4e4\uba74 \uadf8\ub3d9\uc548 \uc778\ud50c\ub808\uc774\uc158 \uc5b5\uc81c\ub97c \uc704\ud55c \uace0\uae08\ub9ac \uc815\ucc45\uc758 \ud6a8\uacfc\ub97c \ud53c\ubd80\ub85c \ub290\ub084 \uc218 \uc788\ub294\uc2dc\uae30\uac00 \ub418\ub9ac\ub77c\uace0 \uc608\uc0c1\ub418\uae30 \ub54c\ubb38\uc774\ub2e4. 2022\ub144\uc5d0 \ubd80\uc9c4\uc744 \ubcf4\uc600\ub358 \ubc18\ub3c4\uccb4, 2\ucc28\uc804\uc9c0 \uc81c\uc870\uc5c5\uc758 \ud68c\ubcf5\uc774 \uae30\ub300\ub418\uae30\ub3c4 \ud55c\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>\u25b2\uae08\ub9ac-\u201c\uc0c1\ubc18\uae30 \uc0c1\uc2b9, \ud558\ubc18\uae30 \uc815\uccb4\u201d<\/p>\n<p>2022\ub144 12\uc6d4\ub9d0 \ud604\uc81c \uac01\uad6d\uc758 \uc911\uc559\uc740\ud589 \uae30\uc900\uae08\ub9ac\ub294 \ubbf8\uad6d \u2018\uc5f0 4.25~4.5%\u2019, \uce90\ub098\ub2e4 \u2018\uc5f0 4.25%\u2019, \ud55c\uad6d \u2018\uc5f0 3.25%\u2019 \uc774\ub2e4. \ubbf8\uad6d, \uce90\ub098\ub2e4, \ud55c\uad6d \uc21c\uc774\ub2e4. \ud55c\uad6d\uc758 \uae30\uc900\uae08\ub9ac\uac00 \ub0ae\uc740 \uac83\uc740 \ubb3c\uac00\ub098 \ud1b5\ud654\ub7c9 \ub610\ub294 \ub300\uc678\ubb34\uc5ed \uad00\uacc4\ub97c \uace0\ub824\ud55c \uac83\uc774 \uc544\ub2c8\ub77c \uad6d\ub0b4\uc758 \ubd80\uc791\uc6a9\uc744 \uc6b0\ub824\ud55c \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4. \uc790\uce6b \uae30\uc900\uae08\ub9ac\ub97c \ub354 \uc62c\ub838\ub2e4 \uac00\ub294 \uacbd\uc81c\uac00 \ub9c8\ube44\ub420 \uc9c0\ub3c4 \ubaa8\ub978\ub2e4\ub294 \uc6b0\ub824\ub77c\uace0 \ubcf8\ub2e4. \uadf8\ub7ec\ub098 \ub300\uc678\ubb34\uc5ed, \ud658\uc728 \ub4f1\uc744 \uace0\ub824\ud558\uba74 \ud55c\uad6d\uc740\ud589\uc774 \uc5bc\ub9c8\ub098 \uc624\ub798 \ubbf8\uad6d\uacfc \uae30\uc900\uae08\ub9ac \uc5ed\uc804\ud604\uc0c1\uc744 \uc9c0\uc18d\ud560 \uc218 \uc788\uc744\uc9c0 \uc758\ubb38\uc774\ub2e4. 2022\ub144 \ud558\ubc18\uae30\ubd80\ud130 \ubb34\uc5ed\uc218\uc9c0 \uc801\uc790\uc5d0 \ucd5c\uadfc\uc5d0\ub294 \uc218\ucd9c\uaddc\ubaa8 \uc790\uccb4\uac00 \uc904\uc5b4\ub4dc\ub294 \uc9c0\uacbd\uc5d0 \uc774\ub974\ub800\ub2e4. \ubb3c\ub860 \uc774 \uc0c1\ud669\uc740 \uc6b0\ub9ac \ud798\uc73c\ub85c \uc870\uc815\ud560 \uc218 \uc5c6\ub294 \ubd80\ubd84\ub3c4 \uc788\ub2e4. \uc6d0\uc720, \uac00\uc2a4 \ub4f1 \uc5d0\ub108\uc9c0 \ubd80\ubb38 \uac00\uaca9 \ud3ed\ub4f1 \ub4f1\uc774\ub2e4.<\/p>\n<p>2023\ub144\ub3c4 \uac01\uad6d\uc758 \uc911\uc559\uc740\ud589 \uae30\uc900\uae08\ub9ac\ub294 \u2018\uc0c1\ubc18\uae30 \uacc4\uc18d \uc0c1\uc2b9(\ub2e8 \ucd94\uc138\ub294 \uc870\uae08 \uc644\ud654), \ud558\ubc18\uae30 \uc815\uccb4\u2019\ub85c \uc804\ub9dd\ud55c\ub2e4. \uc5b4\ub5a4 \ubd84\uc740 \ud558\ubc18\uae30\uc5d0 \ud558\ub77d \uc2dc\uc791\uc744 \uc608\uc0c1\ud558\uae30\ub3c4 \ud558\uc9c0\ub9cc \uc880 \uc131\uae09\ud55c \ud310\ub2e8\uc774\ub77c\uace0 \ubcf8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>\u25b2\ud658\uc728-\u201c\ud070\ud3ed\uc758 \uac00\uce58\ub4f1\ub77d \ubc18\ubcf5\u201d<\/p>\n<p>1\uc6d4\uc911\uc21c \ud55c\uad6d, \ud558\uc21c\uc5d0 \uce90\ub098\ub2e4\uc640 \ubbf8\uad6d\uc758 \uae08\ub9ac \uacb0\uc815\ud68c\uc758\uac00 \uc608\uc815\ub418\uc5b4 \uc788\ub2e4. \ubbf8\uad6d\uacfc \uce90\ub098\ub2e4\ub294 \uc778\uc0c1\uc774 \ud655\uc2e4\ud558\ub2e4. \ub450 \ub098\ub77c \ubaa8\ub450 \u20180.5%p \uc778\uc0c1\u2019\uc774 \uc608\uc0c1\ub418\uace0, \ud55c\uad6d\uc740 \u20180,25%p ~ 0.5%p \uc0ac\uc774\u2019\uc5d0\uc11c \uacb0\uc815\ub420 \uac83\uc73c\ub85c \uc608\uc0c1\ub41c\ub2e4. \uc774 \uc608\uc0c1\ub300\ub85c \uae30\uc900\uae08\ub9ac\uac00 \uacb0\uc815\ub418\uba74 \ud658\uc728\uc740 \ub610 \ud55c\ucc28\ub840 \uc694\ub3d9\uc744 \uce60 \uac83\uc774\ub2e4. \uc6d0\ud654 \uac00\uce58\uc758 \ucd94\uac00 \ud558\ub77d\uc774 \ubd88\uac00\ud53c \ud558\ub2e4. \ud55c\uad6d, \ubbf8\uad6d, \uce90\ub098\ub2e4 3\uad6d\uc758 \uae30\uc900\uae08\ub9ac \uaca9\ucc28\uac00 \ub354 \ubc8c\uc5b4\uc838 \uc0c1\ub300\uc801 \ud658\uc728\uc870\uc815\uc774 \ud544\uc694\ud558\ub2e4. \uc6d0\ud654\uc758 \ub300\ubbf8 \ud658\uc728\uc740 \ub2ec\ub7ec \ub2f9 1,300\uc6d0\uc744 \uc0c1\ud68c\ud558\uace0 \ub300 \uce90\ub098\ub2e4 \ub2ec\ub7ec \ud658\uc728\uc740 \ub2ec\ub7ec \ub2f9 1,000\uc6d0 \uc218\uc900\uae4c\uc9c0 \ub2e4\uc2dc \uc0c1\uc2b9(\uc6d0\ud654\uac00\uce58 \ud558\ub77d)\ud560 \uac00\ub2a5\uc131\uc774 \ud06c\ub2e4. \ubbf8\uad6d\uacfc \uce90\ub098\ub2e4\uc758 \ud658\uc728\ub3c4 \ub9cc\ub9cc\uce58 \uc54a\uc544 \ubcf4\uc778\ub2e4. \uc77c\ubc18\uc801\uc73c\ub85c \uce90\ub098\ub2e4\uc911\uc559\uc740\ud589\uc758 \ud658\uc728 \ubaa9\ud45c\ub294 \u2018\uce90\ub098\ub2e4 1\ub2ec\ub7ec 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