{"id":2561,"date":"2025-09-21T07:00:34","date_gmt":"2025-09-20T22:00:34","guid":{"rendered":"https:\/\/www.doochang.co.kr\/blog\/%ed%94%84%eb%9e%9c%ec%b0%a8%ec%9d%b4%ec%a6%88-%ec%b0%bd%ec%97%85-%ed%8a%b8%eb%a0%8c%eb%93%9c%ec%9d%98-%eb%b3%80%ec%b2%9c%ec%82%ac%ec%99%80-%eb%af%b8%eb%9e%98%eb%a5%bc-%ec%a1%b0%eb%a7%9d%ed%95%98\/"},"modified":"2025-09-21T07:00:34","modified_gmt":"2025-09-20T22:00:34","slug":"%ed%94%84%eb%9e%9c%ec%b0%a8%ec%9d%b4%ec%a6%88-%ec%b0%bd%ec%97%85-%ed%8a%b8%eb%a0%8c%eb%93%9c%ec%9d%98-%eb%b3%80%ec%b2%9c%ec%82%ac%ec%99%80-%eb%af%b8%eb%9e%98%eb%a5%bc-%ec%a1%b0%eb%a7%9d%ed%95%98","status":"publish","type":"post","link":"https:\/\/www.doochang.co.kr\/blog\/%ed%94%84%eb%9e%9c%ec%b0%a8%ec%9d%b4%ec%a6%88-%ec%b0%bd%ec%97%85-%ed%8a%b8%eb%a0%8c%eb%93%9c%ec%9d%98-%eb%b3%80%ec%b2%9c%ec%82%ac%ec%99%80-%eb%af%b8%eb%9e%98%eb%a5%bc-%ec%a1%b0%eb%a7%9d%ed%95%98\/","title":{"rendered":"\ud504\ub79c\ucc28\uc774\uc988 \ucc3d\uc5c5 \ud2b8\ub80c\ub4dc\uc758 \ubcc0\ucc9c\uc0ac\uc640 \ubbf8\ub798\ub97c \uc870\ub9dd\ud558\ub2e4"},"content":{"rendered":"

2023\ub144 25\uc77c \uc11c\uc6b8 \uac15\ub0a8\uad6c \ucf54\uc5d1\uc2a4\uc5d0\uc11c \uac1c\ucd5c\ub418\ub294 \u2018\uc81c59\ud68c IFS \ud504\ub79c\ucc28\uc774\uc988 \ucc3d\uc5c5\u00b7\uc0b0\uc5c5 \ubc15\ub78c\ud68c\u2019\ub97c \uc55e\ub450\uace0, \ucd5c\uadfc \ud504\ub79c\ucc28\uc774\uc988 \ucc3d\uc5c5 \ud2b8\ub80c\ub4dc\uc5d0 \ub300\ud55c \uad00\uc2ec\uc774 \uae09\uc99d\ud558\uace0 \uc788\ub2e4. \uc774 \ud2b8\ub80c\ub4dc\ub294 \ub2e8\uc21c\ud788 \uc74c\uc2dd\uc758 \uc720\ud589\uc744 \ub118\uc5b4, \uacbd\uc81c\uc801 \uc0c1\ud669\uacfc \uc0ac\ud68c\uc801 \ubb38\ud654, \uadf8\ub9ac\uace0 \uc18c\ube44\uc790\uc758 \uc2ec\ub9ac\uac00 \ubcf5\ud569\uc801\uc73c\ub85c \uc5bd\ud78c \uacb0\uacfc\ub85c \ub098\ud0c0\ub098\uace0 \uc788\ub2e4. <\/p>\n

\uc11c\uc6b8\uc2dc\uac00 \uc81c\uacf5\ud55c \uc0c1\uad8c\ubd84\uc11d \uc11c\ube44\uc2a4\uc5d0 \ub530\ub974\uba74, \uc11c\uc6b8\uc758 \uc0dd\ud65c\ubc00\uc811 \uc5c5\uc885 \uc911 \uc678\uc2dd\uc5c5\uc758 5\ub144 \uc0dd\uc874\uc728\uc740 39.2%\ub85c, \uc804\uccb4 \ud3c9\uade0\uc5d0 \ube44\ud574 \ub0ae\uc740 \uc218\uce58\ub97c \ubcf4\uc774\uace0 \uc788\ub2e4. \uc774\ub294 \uc678\uc2dd\uc5c5 \ucc3d\uc5c5\uc774 \ub2e4\ub978 \uc5c5\uc885\uc5d0 \ube44\ud574 \ub354 \uce58\uc5f4\ud55c \uc0dd\uc874 \uacbd\uc7c1\uc5d0 \ucc98\ud574 \uc788\uc74c\uc744 \uc2dc\uc0ac\ud55c\ub2e4. \ud2b9\ud788 \ud1f4\uc9c1 \ud6c4 \uc0dd\uacc4\ub97c \uc704\ud574 \uc678\uc2dd\uc5c5\uc5d0 \ub6f0\uc5b4\ub4dc\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc73c\ub098, \uc774\ub294 \uc7a5\uae30\uc801\uc778 \uc6b4\uc601\uc774 \uc27d\uc9c0 \uc54a\uc74c\uc744 \uc758\ubbf8\ud55c\ub2e4. \ub530\ub77c\uc11c \ucca0\uc800\ud55c \uc0ac\uc804 \uc900\ube44\uc640 \ud604\uc2e4\uc801\uc778 \uc0ac\uc5c5 \uc804\ub7b5\uc774 \ud544\uc218\uc801\uc774\ub2e4.<\/p>\n

\uc9c0\ub09c 5\uc6d4 \uc11c\uc6b8 \uac15\ub0a8\uad6c \ucf54\uc5d1\uc2a4\uc5d0\uc11c \uc5f4\ub9b0 ‘2024 IFS \ud504\ub79c\ucc28\uc774\uc988 \ucc3d\uc5c5\u00b7\uc0b0\uc5c5 \ubc15\ub78c\ud68c’\uc5d0\uc11c\ub294 \ub2e4\uc591\ud55c \ucc3d\uc5c5 \uc544\uc774\ub514\uc5b4\uc640 \ud2b8\ub80c\ub4dc\uac00 \uc18c\uac1c\ub418\uc5c8\uc73c\uba70, \uad00\ub78c\uac1d\ub4e4\ub85c \ubd90\ubcd0\ub2e4. 2000\ub144\ub300 \uc774\ud6c4 \ud504\ub79c\ucc28\uc774\uc988 \ucc3d\uc5c5 \uc2dc\uc7a5\uc740 \ud3b8\uc758\uc810, \uce58\ud0a8, \ud53c\uc790 \ub4f1 \uc0dd\ud65c \ubc00\ucc29\ud615 \uc5c5\uc885\uc5d0\uc11c \uc678\ud615 \uc131\uc7a5\uc744 \uc774\ub918\uace0, 2010\ub144\ub300\ubd80\ud130\ub294 \uce74\ud398\uc640 \ub514\uc800\ud2b8 \ud504\ub79c\ucc28\uc774\uc988\uac00 \uae09\uc99d\ud558\uba74\uc11c \uacbd\uc7c1\uc774 \uc2ec\ud654\ub418\uc5c8\ub2e4. <\/p>\n

\ud2b9\ud788 2020\ub144\uc5d0\ub294 \ucf54\ub85c\ub09819 \ud32c\ub370\ubbf9\uc73c\ub85c \uc778\ud574 \ubc30\ub2ec \uce5c\ud654\uc801\uc774\uace0 \uac04\ud3b8\ud55c \uba54\ub274\uac00 \uc8fc\ubaa9\ubc1b\uc558\ub2e4. \uadf8 \uc911\uc2ec\uc5d0 \ub9c8\ub77c\ud0d5\uc774 \uc790\ub9ac \uc7a1\uc558\ub2e4. 2019\ub144 SNS\uc5d0\uc11c \uc785\uc18c\ubb38\uc744 \ud0c0\uace0 \uae09\ubd80\uc0c1\ud55c \ub9c8\ub77c\ud0d5\uc740 \ucf54\ub85c\ub09819 \uc2dc\uae30\uc5d0 \ubc30\ub2ec\uacfc \ud3ec\uc7a5 \uc218\uc694 \uc99d\uac00\uc640 \ud568\uaed8 \uc804\uad6d\uc801\uc73c\ub85c \ud655\uc0b0\ub418\uc5c8\ub2e4. \uace0\ub978 \uc7ac\ub8cc\ub97c \uc989\uc11d\uc5d0\uc11c \uc870\ub9ac\ud574\uc8fc\ub294 \ubc29\uc2dd\uacfc \uc5bc\uc5bc\ud55c \ub9db\uc774 MZ\uc138\ub300\uc758 \ud638\uae30\uc2ec\uc744 \uc790\uadf9\ud558\uba70 \ud569\ub9ac\uc801\uc778 \uac00\uaca9\uc73c\ub85c \uc778\uae30\ub97c \ub04c\uc5c8\ub2e4. <\/p>\n

2021\ub144\uc5d0\ub294 \ucf54\ub85c\ub098 \uc7a5\uae30\ud654\ub85c \uc778\ud574 \u2018\uc9d1\ubc25 \uc5f4\ud48d\u2019\uc774 \ubd88\uba74\uc11c \ubb34\uc778 \ubc00\ud0a4\ud2b8 \ub9e4\uc7a5\uc774 \uae09\uc99d\ud588\ub2e4. 24\uc2dc\uac04 \uc6b4\uc601 \uac00\ub2a5\ud55c \ubb34\uc778 \uc810\ud3ec \uad6c\uc870\uac00 \uc778\uac74\ube44 \ubd80\ub2f4\uc744 \uc904\uc5ec \ucc3d\uc5c5\uc790\ub4e4\uc5d0\uac8c \ub9e4\ub825\uc801\uc73c\ub85c \ub2e4\uac00\uc654\uace0, \uc18c\ube44\uc790\ub4e4\uc740 \uac04\ud3b8\ud558\uac8c \uc9d1\uc5d0\uc11c \uc870\ub9ac\ud560 \uc218 \uc788\ub294 \ubc00\ud0a4\ud2b8\uc5d0 \ub300\ud55c \uc218\uc694\uac00 \ud06c\uac8c \ub298\uc5c8\ub2e4. <\/p>\n

2022\ub144\uc5d0\ub294 \uacbd\uae30 \ubd88\ud655\uc2e4\uc131\uacfc \ubb3c\uac00 \uc0c1\uc2b9\uc73c\ub85c \uc778\ud574 \u2018\uac00\uc131\ube44\u2019 \uc18c\ube44\uac00 \ud504\ub79c\ucc28\uc774\uc988 \uc2dc\uc7a5\uc758 \ud575\uc2ec \ud0a4\uc6cc\ub4dc\ub85c \ub5a0\uc624\ub974\uba70, \uc800\uac00\ucee4\ud53c \ube0c\ub79c\ub4dc\ub4e4\uc774 \uae09\uc18d\ud788 \ub9e4\uc7a5\uc744 \ub298\ub9ac\uae30 \uc2dc\uc791\ud588\ub2e4. \u201c\ube44\uc2fc \ucee4\ud53c\ub97c \ub9c8\uc2e4 \ud544\uc694\uac00 \uc5c6\ub2e4\u201d\ub294 \uc778\uc2dd\uc774 \ud655\uc0b0\ub418\uba74\uc11c \uc18c\ube44\uc790\ub4e4\uc740 \uc800\uac00 \ube0c\ub79c\ub4dc\ub85c \uc774\ub3d9\ud588\uace0, \ucc3d\uc5c5\uc790\ub4e4\uc740 \uc548\uc815\uc801\uc778 \uc218\uc694\ub97c \ubcf4\uace0 \ub300\uac70 \ub6f0\uc5b4\ub4e4\uc5c8\ub2e4. \uae30\uc874 \ud504\ub9ac\ubbf8\uc5c4 \ucee4\ud53c \uc804\ubb38\uc810\ub4e4\uc740 \ucc28\ubcc4\ud654\ub97c \uc704\ud574 \uacf5\uac04, \uacbd\ud5d8, \ube0c\ub79c\ub4dc \uc2a4\ud1a0\ub9ac\ub97c \uac15\ud654\ud558\ub294 \uc804\ub7b5\uc744 \ud1b5\ud574 \uacbd\uc7c1\uc5d0 \ub098\uc11c\uc57c \ud588\ub2e4. <\/p>\n

2023\ub144\uc740 \uc800\uac00\ucee4\ud53c \ud504\ub79c\ucc28\uc774\uc988\uac00 \uc678\uc2dd \ucc3d\uc5c5 \uc2dc\uc7a5\uc744 \uc8fc\ub3c4\ud588\ub2e4. \uace0\ubb3c\uac00 \uc2dc\ub300\uc5d0 \uc18c\ube44\uc790\ub4e4\uc740 \u201c\uc800\ub834\ud574\ub3c4 \ucda9\ubd84\ud558\ub2e4\u201d\ub294 \uc778\uc2dd\uc744 \uac16\uac8c \ub418\uc5c8\uace0, \uc800\uac00\ucee4\ud53c\ub294 \ucc3d\uc5c5 \ubb38\uc758\uc640 \ub9e4\ucd9c \ubaa8\ub450\uc5d0\uc11c \ud638\ud669\uc744 \ub204\ub838\ub2e4. \uadf8\ub7ec\ub098 \uc218\uc775\uc131 \ud655\ubcf4\uc640 \ucc28\ubcc4\ud654\ub294 \uc5ec\uc804\ud788 \uc0c8\ub85c\uc6b4 \uacfc\uc81c\ub85c \ub5a0\uc62c\ub790\ub2e4. <\/p>\n

\uac19\uc740 \uc2dc\uae30\uc5d0 \u2018\ud0d5\ud6c4\ub8e8\u2019\uac00 \uae38\uac70\ub9ac \ub514\uc800\ud2b8 \ud2b8\ub80c\ub4dc\ub85c \uae09\ubd80\uc0c1\ud588\ub2e4. \uacfc\uc77c\uc5d0 \uc124\ud0d5\uc744 \uc785\ud78c \uac04\ub2e8\ud55c \uc870\ub9ac\ubc95\uacfc \ubc88\uca4d\uc774\ub294 \ube44\uc8fc\uc5bc\ub85c SNS \uc778\uc99d \ubb38\ud654\uc640 \uacb0\ud569\ud574 \ube60\ub974\uac8c \ud655\uc0b0\ub418\uc5c8\ub2e4. \uadf8\ub7ec\ub098 \ube44\uad50\uc801 \uc801\uc740 \ud22c\uc790\ube44\uc640 \uac04\ub2e8\ud55c \uc6b4\uc601 \uad6c\uc870 \ub355\ubd84\uc5d0 \uc608\ube44 \ucc3d\uc5c5\uc790\ub4e4\uc758 \uad00\uc2ec\uc774 \ubab0\ub9ac\uba74\uc11c \uacfc\uc5f4 \uacbd\uc7c1 \uad6c\ub3c4\uac00 \ud615\uc131\ub418\uc5c8\uace0, \uc9e7\uc740 \uc2dc\uac04\uc5d0 \ud3ec\ud654 \uc0c1\ud0dc\uc5d0 \uc774\ub974\ub800\ub2e4. <\/p>\n

\uc9c0\ub09c\ud574\uc5d0\ub294 \u2018\uc694\uc544\uc815(\uc694\uac70\ud2b8 \uc544\uc774\uc2a4\ud06c\ub9bc \uc804\ubb38\uc810)\u2019\uc774 \ub514\uc800\ud2b8 \ucc3d\uc5c5 \uc2dc\uc7a5\uc758 \ub300\uc138\ub85c \ub5a0\uc62c\ub790\ub2e4. \uc694\uac70\ud2b8 \uc544\uc774\uc2a4\ud06c\ub9bc\uc5d0 \uacfc\uc77c, \uace1\ubb3c, \ucd08\ucf5c\ub9bf \ub4f1\uc744 \uc5b9\ub294 \ud1a0\ud551 \uc120\ud0dd\ud615 \uad6c\uc870\uac00 \uc18c\ube44\uc790\ub4e4\uc758 \ucde8\ud5a5\uc744 \uc790\uadf9\ud588\uace0, SNS \uc778\uc99d \ubb38\ud654\uc640 \uacb0\ud569\ud574 \uc80a\uc740 \uce35\uc5d0\uac8c \ud3ed\ubc1c\uc801\uc778 \ubc18\uc751\uc744 \uc5bb\uc5c8\ub2e4. <\/p>\n

\uc62c \ud558\ubc18\uae30\uc5d0\ub294 \uace0\ubb3c\uac00\uc640 \uacbd\uae30\uce68\uccb4\uac00 \uc9c0\uc18d\ub428\uc5d0 \ub530\ub77c \u2018\uac00\uc131\ube44\u2019\uc640 \u20181\uc778 \uac00\uad6c\u2019\ub97c \uaca8\ub0e5\ud55c \ucc3d\uc5c5\uc774 \uc8fc\ubaa9\ubc1b\uc744 \uac83\uc73c\ub85c \ubd84\uc11d\ub41c\ub2e4. \uc18c\uaddc\ubaa8 \uc810\ud3ec, \uac04\ud3b8\uc2dd, \ud63c\ubc25 \uc804\ubb38\uc810\uacfc \uac19\uc740 \ucd08\uae30 \ud22c\uc790 \ubd80\ub2f4\uc774 \ub0ae\uace0 \ud68c\uc804\uc728\uc744 \ub192\uc77c \uc218 \uc788\ub294 \uc5c5\uc885\uc774 \uc720\ub9dd \uc544\uc774\ud15c\uc73c\ub85c \ubd80\uac01\ub418\uace0 \uc788\uc5b4 \ucc3d\uc5c5\uc790\ub4e4\uc758 \uad00\uc2ec\uc774 \uc3e0\ub9b4 \uac83\uc73c\ub85c \uc804\ub9dd\ub41c\ub2e4. <\/p>\n

\uc2e4\uc81c\ub85c \ud1b5\uacc4\uccad\uc5d0 \ub530\ub974\uba74 \uc9c0\ub09c\ud574 \uae30\uc900 \uad6d\ub0b4 1\uc778 \uac00\uad6c \uc218\ub294 \uc57d 804\ub9cc \uba85\uc73c\ub85c \uc804\uccb4 \uac00\uad6c\uc758 \uc57d 36%\ub97c \ucc28\uc9c0\ud558\uace0 \uc788\ub2e4. \uc774\uc640 \ud568\uaed8 \ucf54\ub85c\ub09819\ub97c \uac70\uce58\uba70 \uc704\uc0dd\uc5d0 \ub300\ud55c \uc911\uc694\ub3c4\uac00 \ub192\uc544\uc9c0\uace0, \ud6a8\uc728\uc744 \uc911\uc2dc\ud558\ub294 \uc80a\uc740 \uc138\ub300\uc758 \uc18c\ube44 \uc131\ud5a5\ub3c4 \uc774\ub7ec\ud55c \ubcc0\ud654\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce58\uace0 \uc788\ub2e4. <\/p>\n

\ud504\ub79c\ucc28\uc774\uc988 \ud611\ud68c \uad00\uacc4\uc790\ub294 \u201c\uc62c\ud574 \ud504\ub79c\ucc28\uc774\uc988 \uc5c5\uacc4\ub294 \uc18c\ube44 \uc2ec\ub9ac \uc704\ucd95\uacfc \ub2e4\uc591\ud55c \ube44\uc6a9 \uc99d\uac00\ub85c \uc778\ud574 \uc218\uc775\uc774 \ud06c\uac8c \uac10\uc18c\ud558\uace0 \ud3d0\uc5c5 \uc0ac\ub840\uac00 \uae09\uc99d\ud558\uace0 \uc788\ub2e4\u201d\uba74\uc11c, \u201c\uc815\ubd80\uac00 \uc18c\ube44 \ud65c\uc131\ud654 \uc815\ucc45\uc744 \ub0b4\ub193\uace0 \uc788\uc9c0\ub9cc \ud5a5\ud6c4 \uc2dc\uc7a5 \uc0c1\ud669\uc744 \uc608\uce21\ud558\uae30\ub294 \uc5b4\ub824\uc6b4 \uac83\uc774 \uc0ac\uc2e4\u201d\uc774\ub77c\uace0 \uc804\ud588\ub2e4. \uc774\uc5b4 \u201c\uc2dc\uc7a5\uc774 \ubd88\uc548\ud55c \ub9cc\ud07c \ucd5c\uc2e0 \uc720\ud589 \uc544\uc774\ud15c\uc774\ub098 \ud30c\uaca9\uc801\uc778 \ucc3d\uc5c5 \ud61c\ud0dd\uc744 \uc887\ub294 \uac83\uc740 \uc2e0\uc911\ud574\uc57c \ud558\uba70, \ucc3d\uc5c5 \uc0c1\ub2f4\uacfc \uc628\ub77c\uc778 \uc815\ubcf4 \uc218\uc9d1\uc744 \ud1b5\ud574 \uc815\ubcf4\ub97c \uaf3c\uaf3c\ud788 \ube44\uad50\ud574\uc57c \ud55c\ub2e4\u201d\uace0 \uc870\uc5b8\ud588\ub2e4. <\/p>\n

\ub610\ud55c \u201c\ud504\ub79c\ucc28\uc774\uc988\ub294 \uac00\ub9f9\ubcf8\ubd80\uc758 \ube0c\ub79c\ub4dc \uad00\ub9ac\uc640 \uc131\uc7a5\uc5d0 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud558\uae30 \ub54c\ubb38\uc5d0, \uac80\uc99d\ub41c \uac00\ub9f9\ubcf8\ubd80\ub97c \uc120\ud0dd\ud568\uc73c\ub85c\uc368 \uc548\uc815\uc131\uc744 \ub192\uc77c \uc218 \uc788\ub2e4\u201d\uace0 \uac15\uc870\ud558\uba70, \u201c\ud5a5\ud6c4 \uc2dc\uc7a5 \uc804\ub9dd\uacfc \ubc95 \uc81c\ub3c4\ub97c \ubd80\uc9c0\ub7f0\ud788 \uc2b5\ub4dd\ud558\uace0 \uc790\uc2e0\uc758 \uc790\uae08 \uc0ac\uc815 \ubc0f \uc131\ud5a5\uc5d0 \ub9de\ub294 \ucc3d\uc5c5\uc744 \ucd5c\uc6b0\uc120\uc73c\ub85c \uace0\ub824\ud574\uc57c \ud55c\ub2e4\u201d\uace0 \ub367\ubd99\uc600\ub2e4.<\/p>\n

[\uad00\ub828\uae30\uc0ac] https:\/\/n.news.naver.com\/mnews\/article\/119\/0003004339?sid=101<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

2023\ub144 25\uc77c \uc11c\uc6b8 \uac15\ub0a8\uad6c \ucf54\uc5d1\uc2a4\uc5d0\uc11c \uac1c\ucd5c\ub418\ub294 \u2018\uc81c59\ud68c IFS \ud504\ub79c\ucc28\uc774\uc988 \ucc3d\uc5c5\u00b7\uc0b0\uc5c5 \ubc15\ub78c\ud68c\u2019\ub97c \uc55e\ub450\uace0, \ucd5c\uadfc \ud504\ub79c\ucc28\uc774\uc988 \ucc3d\uc5c5 \ud2b8\ub80c\ub4dc\uc5d0 \ub300\ud55c \uad00\uc2ec\uc774 \uae09\uc99d\ud558\uace0 \uc788\ub2e4. \uc774 \ud2b8\ub80c\ub4dc\ub294 \ub2e8\uc21c\ud788 \uc74c\uc2dd\uc758 \uc720\ud589\uc744 \ub118\uc5b4, \uacbd\uc81c\uc801 \uc0c1\ud669\uacfc \uc0ac\ud68c\uc801 \ubb38\ud654, \uadf8\ub9ac\uace0 \uc18c\ube44\uc790\uc758 \uc2ec\ub9ac\uac00 \ubcf5\ud569\uc801\uc73c\ub85c \uc5bd\ud78c \uacb0\uacfc\ub85c \ub098\ud0c0\ub098\uace0 \uc788\ub2e4. \uc11c\uc6b8\uc2dc\uac00 \uc81c\uacf5\ud55c \uc0c1\uad8c\ubd84\uc11d \uc11c\ube44\uc2a4\uc5d0 \ub530\ub974\uba74, \uc11c\uc6b8\uc758 \uc0dd\ud65c\ubc00\uc811 \uc5c5\uc885 \uc911 \uc678\uc2dd\uc5c5\uc758 5\ub144 \uc0dd\uc874\uc728\uc740 39.2%\ub85c, \uc804\uccb4 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