{"id":33362,"date":"2026-11-01T09:07:01","date_gmt":"2026-11-01T00:07:01","guid":{"rendered":"https:\/\/www.doochang.co.kr\/blog\/%ea%b8%b0%ec%88%a0-%ec%8a%a4%ed%83%80%ed%8a%b8%ec%97%85%ec%9d%98-%ec%83%88%eb%a1%9c%ec%9a%b4-%eb%8f%84%ec%a0%84-%ec%9d%bc%eb%b0%98%ec%83%81%ec%9e%a5%ec%9c%bc%eb%a1%9c-%eb%82%98%ec%95%84%ea%b0%80\/"},"modified":"2026-11-01T09:07:01","modified_gmt":"2026-11-01T00:07:01","slug":"%ea%b8%b0%ec%88%a0-%ec%8a%a4%ed%83%80%ed%8a%b8%ec%97%85%ec%9d%98-%ec%83%88%eb%a1%9c%ec%9a%b4-%eb%8f%84%ec%a0%84-%ec%9d%bc%eb%b0%98%ec%83%81%ec%9e%a5%ec%9c%bc%eb%a1%9c-%eb%82%98%ec%95%84%ea%b0%80","status":"publish","type":"post","link":"https:\/\/www.doochang.co.kr\/blog\/%ea%b8%b0%ec%88%a0-%ec%8a%a4%ed%83%80%ed%8a%b8%ec%97%85%ec%9d%98-%ec%83%88%eb%a1%9c%ec%9a%b4-%eb%8f%84%ec%a0%84-%ec%9d%bc%eb%b0%98%ec%83%81%ec%9e%a5%ec%9c%bc%eb%a1%9c-%eb%82%98%ec%95%84%ea%b0%80\/","title":{"rendered":"\uae30\uc220 \uc2a4\ud0c0\ud2b8\uc5c5\uc758 \uc0c8\ub85c\uc6b4 \ub3c4\uc804 \uc77c\ubc18\uc0c1\uc7a5\uc73c\ub85c \ub098\uc544\uac00\ub2e4"},"content":{"rendered":"

\ucd5c\uadfc \uae30\uc220 \uc2a4\ud0c0\ud2b8\uc5c5\ub4e4\uc774 \uc77c\ubc18 \uc0c1\uc7a5\uc744 \ud5a5\ud55c \ub3c4\uc804\uc744 \uac15\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub4e4\uc740 \uae30\uc220\uc801 \ud2b9\ub840\ub098 \uc131\uc7a5\uc131 \ud2b9\ub840\ub97c \ub118\uc5b4\uc11c, \uc2e4\uc801\uc744 \uae30\ubc18\uc73c\ub85c \ud55c IPO \uc2ec\uc0ac\ub300\uc5d0 \ub098\uc11c\ub294 \uc0c8\ub85c\uc6b4 \ud750\ub984\uc744 \ubcf4\uc5ec\uc8fc\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubcc0\ud654\ub294 \ubca4\ucc98\ud22c\uc790 \ubc0f \uc8fc\uc2dd\uc2dc\uc7a5\uc5d0 \uc2e0\uc120\ud55c \ud65c\ub825\uc744 \ubd88\uc5b4\ub123\uc744 \uac83\uc73c\ub85c \uae30\ub300\ub429\ub2c8\ub2e4.<\/p>\n

26\uc77c, \ubca4\ucc98 \ubc0f \uc2a4\ud0c0\ud2b8\uc5c5 \uc5c5\uacc4\uc5d0 \ub530\ub974\uba74, \uae30\uc5c5\uc6a9 \uc0dd\uc131\ud615 AI \uc2a4\ud0c0\ud2b8\uc5c5\uc778 \uc81c\ub17c\uc774 \uc9c0\ub09c 7\uc77c \uae08\uc735\uc704\uc6d0\ud68c\uc5d0 \uc99d\uad8c\uc2e0\uace0\uc11c\ub97c \uc81c\ucd9c\ud558\uba70 \uc77c\ubc18\uc0c1\uc7a5 \uacf5\ubaa8 \uc808\ucc28\uc5d0 \ub3cc\uc785\ud588\uc2b5\ub2c8\ub2e4. \uc81c\ub17c\uc740 \ud76c\ub9dd \uacf5\ubaa8\uac00\ub97c \uc8fc\ub2f9 9700\uc6d0\uc5d0\uc11c 1\ub9cc2200\uc6d0\uc73c\ub85c \uc124\uc815\ud558\uba70, \ucd1d \uacf5\ubaa8 \uc608\uc815\uae08\uc561\uc740 213\uc5b54000\ub9cc\uc6d0\uc5d0\uc11c 268\uc5b54000\ub9cc\uc6d0\uc5d0 \uc774\ub97c \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uae30\uad00\ud22c\uc790\uc790 \ub300\uc0c1 \uc218\uc694\uc608\uce21\uc740 \ub2e4\uc74c \ub2ec 16\uc77c\ubd80\ud130 20\uc77c\uae4c\uc9c0 \uc9c4\ud589\ub418\uba70, \uc77c\ubc18\uccad\uc57d\uc740 24\uc77c\ubd80\ud130 25\uc77c \uc0ac\uc774\uc5d0 \uc774\ub8e8\uc5b4\uc9c8 \uc608\uc815\uc785\ub2c8\ub2e4. \uc0bc\uc131\uc99d\uad8c\uc774 \uc0c1\uc7a5 \uc8fc\uad00\uc0ac\ub85c \ub098\uc11c\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc81c\ub17c\uc740 2017\ub144\uc5d0 \uc124\ub9bd\ub41c \uc774\ud6c4, \uc790\uccb4 \uac1c\ubc1c\ud55c \uc5d4\ud130\ud504\ub77c\uc774\uc988 AX \ud50c\ub7ab\ud3fc\uc778 ‘\uc81c\ub178\uc2a4’\ub97c \uae30\ubc18\uc73c\ub85c \uae30\uc5c5\uc758 AI \uc804\ub7b5 \uc218\ub9bd\uc5d0\uc11c\ubd80\ud130 \ubaa8\ub378 \uac1c\ubc1c, \ub3c4\uc785 \ubc0f \uc6b4\uc601\uae4c\uc9c0 \uc9c0\uc6d0\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc81c\ub17c\uc740 \uae08\uc735, \uacf5\uacf5, \ubc1c\uc804 \ubd84\uc57c\uc5d0\uc11c \uace0\uac1d\uc744 \ud655\ubcf4\ud558\uace0 \uc788\uc73c\uba70, \uc81c\uc870 \ubc0f \uc81c\uc57d \ubd84\uc57c\ub85c\uc758 \uc0ac\uc5c5 \ud655\uc7a5\uc744 \ubaa9\ud45c\ub85c \ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788, \uc81c\ub17c\uc740 2024\ub144 \ub9e4\ucd9c 86\uc5b53000\ub9cc\uc6d0\uacfc \uc601\uc5c5\uc774\uc775 10\uc5b52000\ub9cc\uc6d0\uc744 \ubaa9\ud45c\ub85c \ud558\ub294 \ud55c\ud3b8, \uc9c0\ub09c\ud574\uc5d0\ub294 117\uc5b54000\ub9cc\uc6d0\uc758 \ub9e4\ucd9c\uacfc 7\uc5b5\uc6d0\uc758 \uc601\uc5c5\uc774\uc775\uc744 \uae30\ub85d\ud558\uba70 \ub450 \ud574 \uc5f0\uc18d\uc73c\ub85c \uc601\uc5c5\ud751\uc790\ub97c \ub2ec\uc131\ud588\uc2b5\ub2c8\ub2e4. \uc62c\ud574 \uc0c1\ubc18\uae30\uc5d0\ub294 \ub9e4\ucd9c 117\uc5b56000\ub9cc\uc6d0\uc744 \uae30\ub85d\ud558\uba70 \uc9c0\ub09c\ud574 \uc5f0\uac04 \ub9e4\ucd9c\uc744 \ucd08\uacfc\ud558\ub294 \uc131\uc7a5\uc744 \ubcf4\uc5ec\uc8fc\uc5c8\uc2b5\ub2c8\ub2e4. \uace0\uc11d\ud0dc \uc81c\ub17c \ub300\ud45c\ub294 \uc790\uc0ac\uc758 \ud50c\ub7ab\ud3fc\uacfc \ub2e4\uc591\ud55c \uc0b0\uc5c5 \ud604\uc7a5\uc5d0\uc11c\uc758 \ud504\ub85c\uc81d\ud2b8 \uacbd\ud5d8\uc744 \ubc14\ud0d5\uc73c\ub85c \uae30\uc5c5\uc758 \uc2e4\uc9c8\uc801\uc778 AI \uc804\ub7b5\uc744 \uc9c0\uc6d0\ud574\uc654\uc73c\uba70, \uacf5\ubaa8\ub97c \ud1b5\ud574 AI \uc5d0\uc774\uc804\ud2b8 \ubc0f \ud53c\uc9c0\uceec AI\uc758 \uc0c1\uc6a9\ud654\uc640 \ud574\uc678\uc2dc\uc7a5 \uc9c4\ucd9c\uc5d0 \ubc15\ucc28\ub97c \uac00\ud560 \uac83\uc774\ub77c\uace0 \ubc1d\ud614\uc2b5\ub2c8\ub2e4.<\/p>\n

\ub610\ud55c AI \uae08\uc735\uae30\uc5c5 \uc5b4\ud53c\ub2db\uc740 \uc9c0\ub09c 8\uc6d4 \ud55c\uad6d\uac70\ub798\uc18c\uc5d0 \ucf54\uc2a4\ub2e5 \uc0c1\uc7a5\uc608\ube44\uc2ec\uc0ac\ub97c \uccad\uad6c\ud558\uba70 \uc2ec\uc0ac \uc911\uc5d0 \uc788\uc2b5\ub2c8\ub2e4. \uc5b4\ud53c\ub2db\uc740 \uad6d\ub0b4 \ud540\ud14c\ud06c \uc2a4\ud0c0\ud2b8\uc5c5\uc774\uc9c0\ub9cc \ub300\ubd80\ubd84\uc758 \uc0ac\uc5c5\uc774 \uc778\ub3c4\uc5d0\uc11c \uc774\ub8e8\uc5b4\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc778\ub3c4 \uc911\uc559\uc740\ud589(RBI)\uc73c\ub85c\ubd80\ud130 \uc778\uac00\ubc1b\uc740 \ube44\uc740\ud589\uae08\uc735\ud68c\uc0ac(NBFC) \uc790\ud68c\uc0ac\ub97c \ud1b5\ud574 \ubaa8\ubc14\uc77c \uae08\uc735 \ud50c\ub7ab\ud3fc ‘\ud2b8\ub8e8\ubc38\ub7f0\uc2a4’\ub97c \uc6b4\uc601\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc5b4\ud53c\ub2db\uc758 \uc8fc\uc694 \uacbd\uc7c1\ub825\uc740 \ub300\uc548\uc2e0\uc6a9\ud3c9\uac00\uc2dc\uc2a4\ud15c(ACS)\uc73c\ub85c, \uc774\ub294 \uae30\uc874 \uae08\uc735\uac70\ub798 \uc774\ub825\uc774 \ubd80\uc871\ud55c \uc2e0\ud30c\uc77c\ub7ec\ub97c \ub300\uc0c1\uc73c\ub85c \ube44\uae08\uc735 \ub370\uc774\ud130\ub97c \ubd84\uc11d\ud558\uc5ec \ub300\ucd9c, \ubcf4\ud5d8, \uc2e0\uc6a9\uce74\ub4dc \ub4f1 \uae08\uc735\uc0c1\ud488\uc744 \uc5f0\uacb0\ud558\ub294 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4.<\/p>\n

\uc5b4\ud53c\ub2db\uc740 \uc9c0\ub09c\ud574 K-IFRS \uae30\uc900\uc73c\ub85c 1691\uc5b5\uc6d0\uc758 \ub9e4\ucd9c\uacfc 449\uc5b5\uc6d0\uc758 \uc601\uc5c5\uc774\uc775\uc744 \uae30\ub85d\ud558\uc600\uc73c\uba70, \uc62c\ud574 \uc0c1\ubc18\uae30\uc5d0\ub294 1123\uc5b5\uc6d0\uc758 \ub9e4\ucd9c\ub85c \uc804\ub144 \ub3d9\uae30 \ub300\ube44 45.8% \uc99d\uac00\ud588\uc2b5\ub2c8\ub2e4. \uc774\ub294 \ud540\ud14c\ud06c \uc2a4\ud0c0\ud2b8\uc5c5\uc774 \uc5f0\uac04 1000\uc5b5\uc6d0 \uc774\uc0c1\uc758 \ub9e4\ucd9c\uc744 \uae30\ub85d\ud558\uba70 \uc77c\ubc18\uc0c1\uc7a5\uc5d0 \ub098\uc11c\ub294 \uc774\ub840\uc801\uc778 \uc0ac\ub840\ub85c, \uad6d\ub0b4 \uae30\uc5c5\uc774 \uc778\ub3c4\uc5d0\uc11c \ub300\ubd80\ubd84\uc758 \uc2e4\uc801\uc744 \ub0b4\uace0 \ucf54\uc2a4\ub2e5\uc5d0 \uc0c1\uc7a5\ud558\ub294 \uccab \uc0ac\ub840\uac00 \ub420 \uac00\ub2a5\uc131\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

AI \uc0ac\uc774\ubc84 \ubcf4\uc548 \uae30\uc5c5 \uc5d0\ubc84\uc2a4\ud540 \uc5ed\uc2dc \uc9c0\ub09c 23\uc77c \ud55c\uad6d\uac70\ub798\uc18c\uc5d0 \ucf54\uc2a4\ub2e5 \uc0c1\uc7a5\uc608\ube44\uc2ec\uc0ac\ub97c \uccad\uad6c\ud588\uc2b5\ub2c8\ub2e4. \uc5d0\ubc84\uc2a4\ud540\uc740 2021\ub144\uc5d0 \uc131\uc7a5\uc131\ud2b9\ub840 \ubc29\uc2dd\uc73c\ub85c \uc0c1\uc7a5\uc744 \ucd94\uc9c4\ud588\uc73c\ub098, \ub2f9\uc2dc \ub9e4\ucd9c\uc774 6\uc5b5\uc6d0\ub300\uc5d0 \uadf8\uccd0 \uc790\uc9c4 \ucca0\ud68c\ud55c \ubc14 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ud6c4 \uad6d\ub0b4 \uae08\uc735\uad8c\uacfc \ud574\uc678 \uace0\uac1d\uc744 \ud655\ub300\ud558\uba70 \uc2e4\uc801\uacfc \uc7ac\ubb34\uad6c\uc870\ub97c \uac1c\uc120\ud558\uc5ec \uc774\ubc88\uc5d0\ub294 \uc77c\ubc18\uc0c1\uc7a5\uc73c\ub85c \ubc29\ud5a5\uc744 \uc804\ud658\ud588\uc2b5\ub2c8\ub2e4. \uc9c0\ub09c\ud574 \uc5d0\ubc84\uc2a4\ud540\uc758 \uc5f0\uacb0 \uae30\uc900 \ub9e4\ucd9c\uc740 134\uc5b5600\ub9cc\uc6d0\uc73c\ub85c \uc804\ub144 \ub300\ube44 56.5% \uc99d\uac00\ud588\uc73c\uba70, \uc601\uc5c5\uc774\uc775\uc740 48\uc5b56900\ub9cc\uc6d0\uc73c\ub85c \uc57d 9\ubc30, \ub2f9\uae30\uc21c\uc774\uc775\uc740 73\uc5b53700\ub9cc\uc6d0\uc73c\ub85c \uc57d 6\ubc30 \uc99d\uac00\ud588\uc2b5\ub2c8\ub2e4. \uc5d0\ubc84\uc2a4\ud540\uc740 \ud574\ud0b9 \ubc29\uc9c0 \uc194\ub8e8\uc158 ‘\uc5d0\ubc84\uc138\uc774\ud504’\uc640 \uc545\uc131 \uc571 \ubc0f \ud53c\uc2f1 \ubc29\uc9c0 \uc194\ub8e8\uc158 ‘\ud398\uc774\ud06c\ud30c\uc778\ub354’\ub97c \uc8fc\ub825 \uc81c\ud488\uc73c\ub85c \ud558\uace0 \uc788\uc73c\uba70, \uace0\uac1d\uc774 \uc99d\uac00\ud558\ub294 \ub3d9\uc548 \ube44\uc6a9 \uc99d\uac00\ud3ed\uc774 \uc0c1\ub300\uc801\uc73c\ub85c \uc81c\ud55c\ub418\uc5b4 \ub9e4\ucd9c\ubcf4\ub2e4 \uc774\uc775\uc774 \ub354 \ube60\ub974\uac8c \uc99d\uac00\ud558\ub294 \uc601\uc5c5\ub808\ubc84\ub9ac\uc9c0 \ud6a8\uacfc\ub97c \ubcf4\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

AI \ubc18\ub3c4\uccb4 \uc2a4\ud0c0\ud2b8\uc5c5 \ub9ac\ubca8\ub9ac\uc628\uc740 \uc0c1\uc7a5 \uc804\ub7b5\uc5d0 \ubcc0\ud654\uac00 \uc0dd\uacbc\uc2b5\ub2c8\ub2e4. \uc5f0\ucd08\uae4c\uc9c0\ub9cc \ud574\ub3c4 6\uc6d4 \uc608\uc2ec\uccad\uad6c \ud6c4 \uc5f0\ub0b4 \uacf5\ubaa8\ub97c \ub9c8\ubb34\ub9ac\ud558\ub824\ub294 \uacc4\ud68d\uc774\uc5c8\uc73c\ub098, \uad6d\ubbfc\uc131\uc7a5\ud380\ub4dc \ud22c\uc790\ucc98\ub85c \uc120\uc815\ub41c \uc774\ud6c4 \uc77c\uc815\uc774 \uc5f0\uae30\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \ub9ac\ubca8\ub9ac\uc628\uc740 \ud604\uc7ac \ucf54\uc2a4\ud53c \ubc0f \ucf54\uc2a4\ub2e5 \uc0c1\uc7a5 \uc2dc\uc7a5\uc744 \ub450\uace0 \ud55c\uad6d\uac70\ub798\uc18c\uc640 \ud611\uc758\ub97c \uc9c4\ud589 \uc911\uc774\uba70, 4\ubd84\uae30 \ub0b4 \uc608\uc2ec\uc744 \uc2e0\uccad\ud560 \uacc4\ud68d\uc774\ub77c\uace0 \uc804\ud574\uc84c\uc2b5\ub2c8\ub2e4. \uc77c\ubc18\uc0c1\uc7a5\uacfc \ucf54\uc2a4\ud53c \uc785\uc131\uc744 \uc6b0\uc120 \uac80\ud1a0\ud558\uace0 \uc788\uc73c\ub098 \ucd5c\uadfc\uc5d0\ub294 \ucf54\uc2a4\ub2e5 \uc0c1\uc7a5\ub3c4 \uace0\ub824 \uc911\uc778 \uc0c1\ud669\uc785\ub2c8\ub2e4. \ub9ac\ubca8\ub9ac\uc628\uc758 \uc9c0\ub09c\ud574 \uc5f0\uacb0 \uae30\uc900 \ub9e4\ucd9c\uc740 320\uc5b52000\ub9cc\uc6d0\uc73c\ub85c \ud070 \ud3ed\uc73c\ub85c \uc99d\uac00\ud588\uc73c\ub098, \ube44\uc6a9\ub3c4 \uc99d\uac00\ud558\uc5ec \uc601\uc5c5\uc190\uc2e4\uc740 1204\uc5b56000\ub9cc\uc6d0\uc5d0 \ub2ec\ud588\uc2b5\ub2c8\ub2e4. \ubc15\uc131\ud604 \ub9ac\ubca8\ub9ac\uc628 \ub300\ud45c\ub294 \ub0b4\ub144 \uc0c1\ubc18\uae30 \ucf54\uc2a4\ud53c \uc0c1\uc7a5\uc5d0 \ub300\ud55c \uc758\uc9c0\ub97c \ubcf4\uc778 \ubc14 \uc788\uc73c\uba70, \uc678\ubd80 \uc804\ubb38\ud3c9\uac00\uae30\uad00\uc758 \uc0ac\uc804 \uae30\uc220\ud3c9\uac00\ub97c \uc0dd\ub7b5\ud558\uace0 \uace7\ubc14\ub85c \uc608\uc2ec\uc744 \uccad\uad6c\ud558\ub294 \ubc29\uc548\ub3c4 \uac80\ud1a0\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ubca4\ucc98\ud22c\uc790 \uc5c5\uacc4 \uad00\uacc4\uc790\ub294 \uc774\ub7ec\ud55c \uae30\uc220 \uc2a4\ud0c0\ud2b8\uc5c5\uc758 \uc77c\ubc18\uc0c1\uc7a5 \ub3c4\uc804\uc774 IPO \uc2dc\uc7a5\uc758 \ud3c9\uac00 \uae30\uc900\uc774 \ubbf8\ub798 \uc131\uc7a5\uc131\uc5d0\uc11c \uc2e4\uc801\uc758 \uc9c0\uc18d\uc131\uc73c\ub85c \ud655\ub300\ub418\uace0 \uc788\uc74c\uc744 \ubc18\uc601\ud55c\ub2e4\uace0 \ubd84\uc11d\ud569\ub2c8\ub2e4. \ub2e8\uc21c\ud788 ‘\uc88b\uc740 \uae30\uc220\uc744 \uac00\uc9c4 \ud68c\uc0ac’\uac00 \uc544\ub2cc ‘\uae30\uc220\ub85c \uc218\uc775\uc744 \ucc3d\ucd9c\ud558\ub294 \ud68c\uc0ac’\uac00 \uc0c1\uc7a5\uc2dc\uc7a5\uc5d0 \uc0c8\ub85c\uc6b4 \uae30\uc900\uc73c\ub85c \uc790\ub9ac \uc7a1\uc744 \uc218 \uc788\uc744\uc9c0\ub3c4 \uc8fc\ubaa9\ub429\ub2c8\ub2e4.<\/p>\n

[\uad00\ub828\uae30\uc0ac] https:\/\/n.news.naver.com\/mnews\/article\/008\/0005431973?sid=101<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

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[…]<\/p>\n","protected":false},"author":76,"featured_media":67,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"\uc2a4\ud0c0\ud2b8\uc5c5","_yoast_wpseo_metadesc":"\ucd5c\uadfc \uae30\uc220 \uc2a4\ud0c0\ud2b8\uc5c5\ub4e4\uc774 \uc77c\ubc18 \uc0c1\uc7a5\uc5d0 \ub3c4\uc804\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub4e4\uc740 \uae30\uc220\uc801 \ud2b9\ub840\ub098 \uc131\uc7a5\uc131 \ud2b9\ub840 \ub300\uc2e0, \uc2e4\uc801\uc744 \uae30\ubc18\uc73c\ub85c \ud55c IPO \uc2ec\uc0ac\ub300\uc5d0 \ub098\uc11c\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc81c\ub17c, \uc5b4\ud53c\ub2db, \uc5d0\ubc84\uc2a4\ud540, \ub9ac\ubca8\ub9ac\uc628 \ub4f1 \ub2e4\uc591\ud55c \uc2a4\ud0c0\ud2b8\uc5c5\ub4e4\uc774 \uac01\uac01\uc758 \uace0\uc720\ud55c \uc804\ub7b5\uc73c\ub85c \uc0c1\uc7a5\uc744 \ucd94\uc9c4\ud558\uba70 \uc0c8\ub85c\uc6b4 \ud750\ub984\uc744 \ub9cc\ub4e4\uc5b4\uac00\uace0 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