{"id":507,"date":"2025-07-16T18:21:00","date_gmt":"2025-07-16T18:21:00","guid":{"rendered":"https:\/\/explorafly.com\/?p=507"},"modified":"2025-07-16T18:21:00","modified_gmt":"2025-07-16T18:21:00","slug":"essential-guide-to-understanding-germanys-social-insurance-system","status":"publish","type":"post","link":"https:\/\/explorafly.com\/ko\/essential-guide-to-understanding-germanys-social-insurance-system\/","title":{"rendered":"\ub3c5\uc77c \uc0ac\ud68c\ubcf4\ud5d8 \uc81c\ub3c4\ub97c \uc774\ud574\ud558\uae30 \uc704\ud55c \ud544\uc218 \uac00\uc774\ub4dc"},"content":{"rendered":"

\ub3c5\uc77c \uadfc\ub85c\uc790\uc5d0\uac8c \uc0ac\ud68c\ubcf4\ud5d8\uc5d0 \ub300\ud55c \uc774\ud574\ub294 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uc0ac\ud68c\ubcf4\ud5d8\uc740 \uadfc\ub85c\uc790\ub97c \ub2e4\uc591\ud55c \uc0dd\uba85 \uc704\ud5d8\uc73c\ub85c\ubd80\ud130 \ubcf4\ud638\ud558\uace0 \ud544\uc218 \uc11c\ube44\uc2a4\uc5d0 \ub300\ud55c \uc811\uadfc\uc131\uc744 \ubcf4\uc7a5\ud569\ub2c8\ub2e4. \ub3c5\uc77c \uc0ac\ud68c\ubcf4\ud5d8 \uc2dc\uc2a4\ud15c\uc740 \ud0c4\ud0c4\ud558\uba70 \uac74\uac15, \uc5f0\uae08, \uc2e4\uc5c5, \uc7a5\uae30 \uc694\uc591\uc744 \ud3ec\uad04\ud569\ub2c8\ub2e4. \uac01 \uad6c\uc131 \uc694\uc18c\ub294 \uc7ac\uc815\uc801 \uc548\uc815\uacfc \uc804\ubc18\uc801\uc778 \ubcf5\uc9c0\uc5d0 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4.<\/p>\n

\uc9c1\uc6d0\ub4e4\uc5d0\uac8c \uc774\ub7ec\ud55c \uae30\uc5ec\uae08 \uacc4\uc0b0 \ubc0f \uacf5\uc81c \ubc29\uc2dd\uc744 \uc544\ub294 \uac83\uc740 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc9c0\uc2dd\uc740 \uc7ac\uc815\uc5d0 \ub300\ud55c \ud604\uba85\ud55c \uacb0\uc815\uc744 \ub0b4\ub9b4 \uc218 \uc788\ub3c4\ub85d \ub3c4\uc640\uc90d\ub2c8\ub2e4. \ub610\ud55c, \uc774\ub7ec\ud55c \uacf5\uc81c \ub0b4\uc6a9\uc744 \uc774\ud574\ud558\uba74 \uc7ac\uc815 \uacc4\ud68d \ubc0f \ubbf8\ub798 \ud22c\uc790\ub97c \ucd5c\uc801\ud654\ud558\ub294 \ub370\uc5d0\ub3c4 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc774 \uae00\uc5d0\uc11c\ub294 \uc0ac\ud68c\ubcf4\ud5d8\uc758 \uad6c\uc131 \uc694\uc18c\ub97c \uc2ec\uce35\uc801\uc73c\ub85c \uc0b4\ud3b4\ubcf4\uace0 \uac01 \uce21\uba74\uacfc \uadf8 \uc911\uc694\uc131\uc744 \uc124\uba85\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uae30\uc5ec\uae08\uc758 \uc791\ub3d9 \ubc29\uc2dd\uc744 \uc774\ud574\ud568\uc73c\ub85c\uc368 \uadfc\ub85c\uc790\ub4e4\uc740 \ub3c5\uc77c\uc5d0\uc11c \uc7ac\uc815 \uc0c1\ud669\uc744 \ub354 \uc798 \ud5e4\uccd0\ub098\uac08 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ub3c5\uc77c\uc758 \uc0ac\ud68c\ubcf4\ud5d8 \uc774\ud574\ud558\uae30<\/h2>\n

\ub3c5\uc77c\uc758 \uc0ac\ud68c\ubcf4\ud5d8\uc740 \uc778\uc0dd\uc758 \uc911\uc694\ud55c \uc0ac\uac74\ub4e4\uc5d0 \ub300\ud55c \uc7ac\uc815\uc801 \uc9c0\uc6d0\uc744 \uc81c\uacf5\ud558\uae30 \uc704\ud574 \uace0\uc548\ub41c \ud3ec\uad04\uc801\uc778 \uc81c\ub3c4\uc785\ub2c8\ub2e4. \uac74\uac15\ubcf4\ud5d8, \uc5f0\uae08\ubcf4\ud5d8, \uc2e4\uc5c5\ubcf4\ud5d8, \uc7a5\uae30\uc694\uc591\ubcf4\ud5d8 \ub4f1 \ub2e4\uc591\ud55c \ubd80\ubb38\uc744 \ud3ec\uad04\ud569\ub2c8\ub2e4.<\/p>\n

\ubaa8\ub4e0 \uc9c1\uc6d0\uc740 \uc774\ub7ec\ud55c \uc0ac\ud68c\ubcf4\ud5d8 \uc81c\ub3c4\uc5d0 \uac00\uc785\ud574\uc57c \ud569\ub2c8\ub2e4. \ubcf4\ud5d8\ub8cc\ub294 \uc77c\ubc18\uc801\uc73c\ub85c \uace0\uc6a9\uc8fc\uc640 \uc9c1\uc6d0\uc774 \ubd84\ub2f4\ud558\uc5ec \uadfc\ub85c\uc790\uc758 \uc7ac\uc815\uc801 \ubd80\ub2f4\uc744 \ub35c\uc5b4\uc90d\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubd84\ub2f4\uae08\uc744 \uc774\ud574\ud558\ub294 \uac83\uc740 \uac1c\uc778 \uc7ac\uc815 \uad00\ub9ac\uc5d0 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n

\uac01 \ubcf4\ud5d8 \uc720\ud615\uc740 \uac01\uae30 \ub2e4\ub978 \ubaa9\uc801\uc744 \uac00\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uac74\uac15\ubcf4\ud5d8\uc740 \uc758\ub8cc \uc11c\ube44\uc2a4 \uc811\uadfc\uc131\uc744 \ubcf4\uc7a5\ud558\uace0, \uc5f0\uae08\ubcf4\ud5d8\uc740 \uc740\ud1f4 \ud6c4 \uc548\uc815\uc801\uc778 \uc18c\ub4dd\uc744 \ubcf4\uc7a5\ud569\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc2e4\uc5c5\ubcf4\ud5d8\uacfc \uc7a5\uae30\uc694\uc591\ubcf4\ud5d8\uc740 \ucd94\uac00\uc801\uc778 \uc7ac\uc815\uc801 \uc548\uc804\ub9dd\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n

\uc804\ubc18\uc801\uc73c\ub85c \ub3c5\uc77c\uc758 \uc0ac\ud68c\ubcf4\ud5d8 \uc81c\ub3c4\ub294 \uc608\uc0c1\uce58 \ubabb\ud55c \uc0c1\ud669\uc73c\ub85c\ubd80\ud130 \uadfc\ub85c\uc790\ub4e4\uc744 \ubcf4\ud638\ud569\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \uac1c\uc778\uc740 \uc5b4\ub824\uc6b4 \uc2dc\uae30\uc5d0\ub3c4 \uc77c\uc815\ud55c \uc0b6\uc758 \uc9c8\uc744 \uc720\uc9c0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc774\ub7ec\ud55c \uae30\uc5ec\uc5d0 \ub300\ud55c \ud1b5\ucc30\ub825\uc744 \uc5bb\ub294 \uac83\uc740 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n

\uc0ac\ud68c\ubcf4\ud5d8\uc758 \uac01 \uad6c\uc131 \uc694\uc18c\ub97c \uc0b4\ud3b4\ubcf4\uace0, \ubcf4\ud5d8\ub8cc\uac00 \uc5b4\ub5bb\uac8c \uacc4\uc0b0\ub418\uace0 \uc9c1\uc6d0 \uae09\uc5ec\uc5d0\uc11c \uacf5\uc81c\ub418\ub294\uc9c0 \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n

\uac74\uac15 \ubcf4\ud5d8: \ubcf4\uc7a5 \ubc94\uc704 \ubc0f \uae30\uc5ec\uae08<\/h2>\n

\uac74\uac15\ubcf4\ud5d8\uc740 \ub3c5\uc77c \uc0ac\ud68c\ubcf4\ud5d8 \uc81c\ub3c4\uc758 \ud575\uc2ec\uc785\ub2c8\ub2e4. \ubaa8\ub4e0 \uc8fc\ubbfc\uc774 \uacfc\ub3c4\ud55c \ube44\uc6a9 \ubd80\ub2f4 \uc5c6\uc774 \ud45c\uc900 \uc758\ub8cc \uc11c\ube44\uc2a4\ub97c \ubc1b\uc744 \uc218 \uc788\ub3c4\ub85d \ubcf4\uc7a5\ud558\ub294 \uc81c\ub3c4\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubcf4\uc7a5\uc740 \uad6d\ubbfc \uac74\uac15 \uc720\uc9c0\uc5d0 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.<\/p>\n

\ub3c5\uc77c\uc758 \ubaa8\ub4e0 \uadfc\ub85c\uc790\ub294 \ubc95\uc815 \uac74\uac15\ubcf4\ud5d8(gesetzliche Krankenversicherung)\uacfc \ubbfc\uac04 \uac74\uac15\ubcf4\ud5d8(private Krankenversicherung) \uc911 \ud558\ub098\ub97c \uc120\ud0dd\ud574\uc57c \ud569\ub2c8\ub2e4. \uc120\ud0dd\uc740 \uc18c\ub4dd \uc218\uc900, \uc5f0\ub839, \uadf8\ub9ac\uace0 \uac1c\uc778\uc758 \uac74\uac15 \ud544\uc694\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c0\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n

\ubc95\uc815 \uac74\uac15\ubcf4\ud5d8\ub8cc\ub294 \uc18c\ub4dd\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c0\uba70, \uc77c\ubc18\uc801\uc73c\ub85c \ucd1d\uae09\uc5ec\uc758 \uc57d 14.6%\ub85c \ucc45\uc815\ub429\ub2c8\ub2e4. \uace0\uc6a9\uc8fc\uc640 \uadfc\ub85c\uc790 \ubaa8\ub450 \uc77c\ubc18\uc801\uc73c\ub85c \uc774 \ube44\uc728\uc758 \uc57d \uc808\ubc18\uc744 \ubd80\ub2f4\ud558\ubbc0\ub85c \uc758\ub8cc\ube44\ub97c \ubd80\ub2f4\ud560 \ud544\uc694\uac00 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n

\ubbfc\uac04 \uac74\uac15\ubcf4\ud5d8\ub8cc\ub294 \uac1c\uc778\uc758 \uac74\uac15 \uc0c1\ud0dc\uc640 \ubcf4\uc7a5 \ubc94\uc704\uc5d0 \ub530\ub77c \ud06c\uac8c \ub2e4\ub985\ub2c8\ub2e4. \uace0\uc6a9\uc8fc\uac00 \uc774\ub7ec\ud55c \ubd80\ub2f4\uae08\uc758 \uc77c\ubd80\ub97c \ubd80\ub2f4\ud558\ub294 \uacbd\uc6b0\ub3c4 \uc788\uc73c\ubbc0\ub85c, \ud2b9\uc815 \uc9c1\uc6d0\ub4e4\uc740 \ubbfc\uac04 \ubcf4\ud5d8\uc5d0 \ub354 \uc27d\uac8c \uac00\uc785\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uac74\uac15 \ubcf4\ud5d8\uc758 \uc791\ub3d9 \ubc29\uc2dd\uacfc \uad00\ub828 \ube44\uc6a9\uc744 \uc774\ud574\ud558\ub294 \uac83\uc740 \uc7ac\uc815 \uacc4\ud68d\uc5d0 \uc0c1\ub2f9\ud55c \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc9c1\uc6d0\ub4e4\uc740 \uc790\uc2e0\uc758 \ud544\uc694\uc5d0 \uac00\uc7a5 \uc801\ud569\ud55c \ubcf4\ud5d8 \uc0c1\ud488\uc744 \uc120\ud0dd\ud558\uae30 \uc704\ud574 \ub2e4\uc591\ud55c \uc635\uc158\uc744 \uc219\uc9c0\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

\uc5f0\uae08 \ubcf4\ud5d8: \ubbf8\ub798\ub97c \ubcf4\uc7a5\ud558\uc138\uc694<\/h2>\n

\uc5f0\uae08\ubcf4\ud5d8\uc740 \uc0ac\ud68c\ubcf4\ud5d8 \uc81c\ub3c4\uc758 \ub610 \ub2e4\ub978 \ud575\uc2ec \uc694\uc18c\uc785\ub2c8\ub2e4. \uc5f0\uae08\ubcf4\ud5d8\uc740 \uadfc\ub85c\uc790\ub4e4\uc774 \uc740\ud1f4 \ud6c4 \uc7ac\uc815\uc801 \uc9c0\uc6d0\uc744 \ubc1b\uc544 \uc801\uc815 \uc218\uc900\uc758 \uc0dd\ud65c \uc218\uc900\uc744 \uc720\uc9c0\ud560 \uc218 \uc788\ub3c4\ub85d \ubcf4\uc7a5\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubcf4\uc7a5\uc740 \ubaa8\ub4e0 \uc0ac\ub78c\uc758 \ubbf8\ub798\uc5d0 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.<\/p>\n

\ub3c5\uc77c\uc5d0\uc11c \uc5f0\uae08 \ubcf4\ud5d8\ub8cc\ub294 \uc9c1\uc6d0 \ucd1d\uae09\uc5ec\uc758 \uc57d 18.6%\uc5d0 \ud574\ub2f9\ud569\ub2c8\ub2e4. \uac74\uac15\ubcf4\ud5d8\uacfc \ub9c8\ucc2c\uac00\uc9c0\ub85c \uace0\uc6a9\uc8fc\uc640 \uc9c1\uc6d0 \ubaa8\ub450 \uc774 \uae30\uae08\uc5d0 \ub3d9\ub4f1\ud558\uac8c \uae30\uc5ec\ud569\ub2c8\ub2e4.<\/p>\n

\uc5f0\uae08 \uc81c\ub3c4\ub294 '\uacfc\uae08\ud615' \uc6d0\uce59\uc5d0 \ub530\ub77c \uc6b4\uc601\ub429\ub2c8\ub2e4. \uc989, \ud604\uc9c1 \uadfc\ub85c\uc790\uc758 \uae30\uc5ec\uae08\uc774 \ud604\uc9c1 \ud1f4\uc9c1\uc790\uc758 \uc5f0\uae08\uc5d0 \uc7ac\uc6d0\uc73c\ub85c \uc0ac\uc6a9\ub429\ub2c8\ub2e4. \uc774 \uc81c\ub3c4\ub294 \uc548\uc815\uc801\uc778 \ub178\ub3d9\ub825\uc5d0 \uc758\uc874\ud558\uc5ec \uc9c0\uc18d \uac00\ub2a5\uc131\uc744 \uc720\uc9c0\ud569\ub2c8\ub2e4.<\/p>\n

\uc9c1\uc6d0\ub4e4\uc740 \uc790\uc2e0\uc758 \uc5f0\uae08 \uc218\uae09 \uc790\uaca9\uacfc \uadf8 \uacc4\uc0b0 \ubc29\uc2dd\uc744 \uc219\uc9c0\ud574\uc57c \ud569\ub2c8\ub2e4. \uc740\ud1f4 \ud6c4 \uc801\uc808\ud55c \uc800\ucd95\uc744 \uc704\ud574 \uac1c\uc778 \uc5f0\uae08 \uba85\uc138\uc11c\ub97c \uc815\uae30\uc801\uc73c\ub85c \uac80\ud1a0\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc7a5\uae30\uc801\uc73c\ub85c \uc5f0\uae08 \uae30\uc5ec\uae08\uc5d0 \ub300\ud55c \uc774\ud574\ub294 \uc9c1\uc6d0\ub4e4\uc774 \uc740\ud1f4 \uacc4\ud68d\uc5d0 \ub3c4\uc6c0\uc774 \ub418\ub294 \uc801\uadf9\uc801\uc778 \uc7ac\uc815\uc801 \uacb0\uc815\uc744 \ub0b4\ub9b4 \uc218 \uc788\ub3c4\ub85d \ub3c4\uc640\uc90d\ub2c8\ub2e4. \uc120\uc81c\uc801\uc778 \ud589\ub3d9\uc740 \ud3b8\uc548\ud55c \ubbf8\ub798\ub97c \ubcf4\uc7a5\ud558\ub294 \ub370 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.<\/p>\n

\uc2e4\uc5c5 \ubcf4\ud5d8: \uc5b4\ub824\uc6b4 \uc2dc\uae30\uc758 \uc548\uc804\ub9dd<\/h2>\n

\uc2e4\uc5c5 \ubcf4\ud5d8\uc740 \uc2e4\uc9c1 \uc2dc \uc9c0\uc6d0\uc744 \uc81c\uacf5\ud558\ub294 \ub370 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uc2e4\uc5c5 \uae30\uac04 \ub3d9\uc548 \uc7ac\uc815 \uc9c0\uc6d0\uc744 \uc81c\uacf5\ud558\uc5ec \uac1c\uc778\uacfc \uac00\uc871 \ubaa8\ub450\uc758 \uc7ac\uc815\uc801 \ubd80\ub2f4\uc744 \ucd5c\uc18c\ud654\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud2b9\uc9d5\uc740 \uc0ac\ud68c\uc801 \uc548\uc815 \uc720\uc9c0\uc5d0 \uc788\uc5b4 \uc2e4\uc5c5 \ubcf4\ud5d8\uc758 \uc911\uc694\uc131\uc744 \uac15\uc870\ud569\ub2c8\ub2e4.<\/p>\n

\ub3c5\uc77c\uc758 \uc2e4\uc5c5\ubcf4\ud5d8\ub8cc\ub294 \ucd1d \uc784\uae08\uc758 \uc57d 2.4%\uc774\uba70, \uace0\uc6a9\uc8fc\ub294 \uc57d 1.2%\ub97c \ubd80\ub2f4\ud558\uace0 \uadfc\ub85c\uc790\ub294 \uc774 \uae08\uc561\uc5d0 \uc0c1\uc751\ud558\ub294 \uae08\uc561\uc744 \ubd80\ub2f4\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubd80\ub2f4\uae08\uc740 \uc2e4\uc5c5 \uc218\ub2f9 \uc9c0\uae09\uc5d0 \uc0ac\uc6a9\ub429\ub2c8\ub2e4.<\/p>\n

\uc9c1\uc6d0\uc774 \uc2e4\uc9c1\ud558\uac8c \ub418\uba74 \uc774\uc804 \uc18c\ub4dd\uc744 \uae30\uc900\uc73c\ub85c \uc9c0\uae09\uc744 \ubc1b\uc744 \uc218 \uc788\uc73c\ubbc0\ub85c, \uc0c8\ub85c\uc6b4 \uc77c\uc790\ub9ac\ub97c \ucc3e\ub294 \ub3d9\uc548 \uc9c0\ucd9c\uc744 \uad00\ub9ac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc9c0\uae09 \uae30\uac04\uacfc \uae08\uc561\uc740 \uace0\uc6a9 \uc774\ub825\uc744 \ud3ec\ud568\ud55c \ub2e4\uc591\ud55c \uc694\uc778\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9d1\ub2c8\ub2e4.<\/p>\n

\uc2e4\uc5c5 \uc218\ub2f9 \uc9c0\uae09 \ubc29\uc2dd\uc744 \uc774\ud574\ud558\ub294 \uac83\uc740 \uc9c1\uc5c5 \ubc0f \uc7ac\uc815 \uc120\ud0dd\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\uc73c\ubbc0\ub85c \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. \uc9c1\uc6d0\ub4e4\uc740 \ub610\ud55c \uc218\ub2f9 \uc218\uae09 \uc790\uaca9 \uae30\uc900\uacfc \uad00\ub828 \uc2e0\uccad \uc808\ucc28\ub97c \uc219\uc9c0\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

\ub530\ub77c\uc11c \uc2e4\uc5c5 \ubcf4\ud5d8\uc5d0 \ub300\ud55c \uc778\uc2dd\uc740 \uc774\uc9c1 \uc2dc \uc548\uc815\uac10\uc744 \ub290\ub07c\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc2e4\uc5c5 \ubcf4\ud5d8\uc740 \uc790\uc2e0\uac10\uc744 \ub192\uc5ec \uac11\uc791\uc2a4\ub7ec\uc6b4 \uc7ac\uc815\uc801 \uc5b4\ub824\uc6c0\uc5d0 \ub300\ud55c \ub450\ub824\uc6c0 \uc5c6\uc774 \ucde8\uc5c5 \uae30\ud68c\ub97c \ubaa8\uc0c9\ud560 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/p>\n

\uc7a5\uae30\uc694\uc591\ubcf4\ud5d8: \ub178\uc778\uc758 \ud544\uc694\ub97c \uc9c0\uc6d0\ud558\ub2e4<\/h2>\n

\uc7a5\uae30\uc694\uc591\ubcf4\ud5d8\uc740 \uc77c\uc0c1\uc0dd\ud65c\uc5d0 \uc7a5\uae30\uac04\uc758 \ub3c4\uc6c0\uc774 \ud544\uc694\ud55c \uc0ac\ub78c\ub4e4\uc758 \uc694\uad6c\ub97c \ucda9\uc871\ud558\ub294 \ub370 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uc758\ub8cc \ubc0f \uac1c\uc778 \uac04\ubcd1 \uc11c\ube44\uc2a4\ub97c \ud3ec\ud568\ud558\uc5ec, \ub178\ub839\uae30\uc5d0 \ud544\uc694\ud55c \uc9c0\uc6d0\uc744 \ubc1b\uc744 \uc218 \uc788\ub3c4\ub85d \ubcf4\uc7a5\ud569\ub2c8\ub2e4.<\/p>\n

\ub3c5\uc77c\uc5d0\uc11c\ub294 \uc7a5\uae30\uc694\uc591\ubcf4\ud5d8 \uac00\uc785\uc774 \uc758\ubb34\ud654\ub418\uc5b4 \uc788\uc73c\uba70, \uc9c1\uc6d0 \ucd1d\uc18c\ub4dd\uc758 \uc57d 3.05%\uac00 \uc774 \ud504\ub85c\uadf8\ub7a8\uc5d0 \uae30\uc5ec\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc790\ub140\uac00 \uc5c6\ub294 \uc9c1\uc6d0\uc758 \uacbd\uc6b0, \uc774 \ube44\uc728\uc740 \uc57d 3.3%\uae4c\uc9c0 \uc99d\uac00\ud560 \uc218 \uc788\ub294\ub370, \uc774\ub294 \uc694\uc591 \uc11c\ube44\uc2a4\uc5d0 \ub300\ud55c \uc218\uc694 \uc99d\uac00\ub97c \ubc18\uc601\ud569\ub2c8\ub2e4.<\/p>\n

\uc7a5\uae30 \uc694\uc591\uc774 \ud544\uc694\ud55c \uacbd\uc6b0, \uc774 \ubcf4\ud5d8\uc740 \uc7ac\ud0dd \uc9c0\uc6d0\uc774\ub098 \uac04\ubcd1\uc744 \ud3ec\ud568\ud55c \uc5ec\ub7ec \uad00\ub828 \ube44\uc6a9\uc744 \ubcf4\uc7a5\ud574 \uc90d\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubcf4\uc7a5\uc744 \ud1b5\ud574 \uac1c\uc778\uc740 \uc874\uc5c4\uc131\uacfc \uc0b6\uc758 \uc9c8\uc744 \uc720\uc9c0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc7a5\uae30\uc694\uc591\ubcf4\ud5d8 \ud61c\ud0dd\uc740 \ub2e4\uc591\ud560 \uc218 \uc788\uc73c\uba70, \uc774\ub7ec\ud55c \ud61c\ud0dd\uc744 \uc774\ud574\ud558\uba74 \ubbf8\ub798\ub97c \ub354 \ud6a8\uacfc\uc801\uc73c\ub85c \uacc4\ud68d\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \uc9c1\uc6d0\ub4e4\uc740 \ubcf4\uc7a5 \ud55c\ub3c4\uc640 \ud3ec\ud568 \uc11c\ube44\uc2a4\ub97c \uac80\ud1a0\ud558\uc5ec \ud544\uc694\ud55c \uacbd\uc6b0 \uc801\uc808\ud55c \uc9c0\uc6d0\uc744 \ubc1b\uc744 \uc218 \uc788\ub3c4\ub85d \ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

\uad81\uadf9\uc801\uc73c\ub85c \uc7a5\uae30\uc694\uc591\ubcf4\ud5d8\uc5d0 \ub300\ud55c \uc815\ubcf4\ub97c \uc5bb\ub294 \uac83\uc740 \ud5a5\ud6c4 \uc694\uc591 \ud544\uc694\uc131\uc5d0 \ub300\ud55c \uc6b0\ub824\ub97c \uc644\ud654\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \uc0b6\uc758 \uc911\uc694\ud55c \uc2dc\uae30\ub97c \uc704\ud574 \uc138\uc2ec\ud558\uac8c \uacc4\ud68d\uc744 \uc138\uc6b0\ub3c4\ub85d \uc7a5\ub824\ud569\ub2c8\ub2e4.<\/p>\n

\uae09\uc5ec\uc5d0\uc11c \uc0ac\ud68c\ubcf4\uc7a5\uae30\uae08 \uacf5\uc81c<\/h2>\n

\uc9c1\uc6d0\ub4e4\uc5d0\uac8c \uc0ac\ud68c \ubcf4\uc7a5 \ubcf4\ud5d8\ub8cc\uac00 \uae09\uc5ec\uc5d0\uc11c \uc5b4\ub5bb\uac8c \uacf5\uc81c\ub418\ub294\uc9c0 \uc774\ud574\ud558\ub294 \uac83\uc740 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. \uc0ac\ud68c \ubcf4\uc7a5 \ubcf4\ud5d8\ub8cc \uacf5\uc81c\ub294 \uc77c\ubc18\uc801\uc73c\ub85c \uace0\uc6a9\uc8fc\uac00 \uc790\ub3d9\uc73c\ub85c \uacc4\uc0b0\ud558\uc5ec \uc6d4\ubcc4 \uae09\uc5ec \uba85\uc138\uc11c\uc5d0 \ubc18\uc601\ub429\ub2c8\ub2e4.<\/p>\n

\uc77c\ubc18\uc801\uc73c\ub85c \uc21c\uae09\uc5ec\ub97c \uacc4\uc0b0\ud558\uae30 \uc804\uc5d0 \uc0ac\ud68c\ubcf4\uc7a5\uae30\uc5ec\uae08 \ucd1d\uc561\uc744 \uacf5\uc81c\ud569\ub2c8\ub2e4. \uc9c1\uc6d0\ub4e4\uc740 \uc790\uc2e0\uc758 \uc0ac\ud68c\ubcf4\uc7a5\uae30\uc5ec\uae08\uc5d0 \ub300\ud55c \uc790\uc138\ud55c \uc815\ubcf4\ub97c \uc81c\uacf5\ubc1b\uc73c\uba70, \uc774\ub97c \ud1b5\ud574 \uac01 \ubcf4\ud5d8 \uc720\ud615\uc5d0 \uc5bc\ub9c8\ub098 \uae30\uc5ec\ud558\uace0 \uc788\ub294\uc9c0 \ud655\uc778\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uace0\uc6a9\uc8fc\ub294 \uc774\ub7ec\ud55c \uae30\uc5ec\uae08\uc744 \uad00\ub828 \ub2f9\uad6d\uc5d0 \ub0a9\ubd80\ud560 \ucc45\uc784\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ubcf4\uace0\uc758 \ud22c\uba85\uc131\uc744 \ud1b5\ud574 \uc9c1\uc6d0\ub4e4\uc740 \uc0ac\ud68c\ubcf4\ud5d8\uc758 \uac01 \uce21\uba74\uc5d0\uc11c \uacf5\uc81c\uc561\uacfc \uc218\uae09 \uc218\uc900\uc744 \ub354 \uc27d\uac8c \uc774\ud574\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ub9ce\uc740 \uc9c1\uc6d0\ub4e4\uc774 \uc18c\ub4dd \ubcc0\ub3d9\uc774\ub098 \ubcf4\ud5d8\uc0ac \ubcc0\uacbd \ub4f1\uc758 \uc694\uc778\uc73c\ub85c \uc778\ud574 \uacf5\uc81c\uc561\uc5d0 \uc57d\uac04\uc758 \ucc28\uc774\uac00 \uc788\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc815\uae30\uc801\uc778 \uae09\uc5ec \uba85\uc138\uc11c \ud655\uc778\uc744 \ud1b5\ud574 \uc7ac\uc815 \uad00\ub9ac\ub97c \uac1c\uc120\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc9c1\uc6d0\ub4e4\uc740 \uc0ac\ud68c \ubcf4\uc7a5 \uae30\uc5ec\uae08 \uacf5\uc81c\uc5d0 \ub300\ud574 \uc9c8\ubb38\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uba85\ud655\uc131\uc744 \ud655\ubcf4\ud558\uace0 \uc9c1\uc6d0\ub4e4\uc774 \uc0ac\ud68c \ubcf4\uc7a5 \ud61c\ud0dd\uc5d0 \ub300\ud55c \ucd5c\uc120\uc758 \uc120\ud0dd\uc744 \ud560 \uc218 \uc788\ub3c4\ub85d \ud558\ub294 \ub370 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.<\/p>\n

\uacb0\ub860: \uc0ac\ud68c\ubcf4\ud5d8 \ud658\uacbd \ud0d0\uc0c9<\/h2>\n

\ub3c5\uc77c \uadfc\ub85c\uc790\ub4e4\uc5d0\uac8c \uc0ac\ud68c\ubcf4\ud5d8\uacfc \uadf8 \uad6c\uc131 \uc694\uc18c\ub97c \uc774\ud574\ud558\ub294 \uac83\uc740 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. \uac74\uac15\ubcf4\ud5d8, \uc5f0\uae08\ubcf4\ud5d8, \uc2e4\uc5c5\ubcf4\ud5d8, \uadf8\ub9ac\uace0 \uc7a5\uae30\uc694\uc591\ubcf4\ud5d8\uc740 \uac1c\uc778\uc758 \ub2e4\uc591\ud55c \uc0dd\uc560\uc8fc\uae30\ub97c \uc9c0\uc6d0\ud558\ub294 \uc548\uc804\ub9dd\uc744 \uad6c\ucd95\ud569\ub2c8\ub2e4.<\/p>\n

\uacf5\uc81c \ud56d\ubaa9\uacfc \uae30\uc5ec\uae08 \uacc4\uc0b0 \ubc29\uc2dd\uc744 \uc774\ud574\ud558\uba74 \uc815\ubcf4\uc5d0 \uae30\ubc18\ud55c \uc7ac\uc815\uc801 \uacb0\uc815\uc744 \ub0b4\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc9c1\uc6d0\ub4e4\uc740 \uc7ac\uc815\uc744 \ub354 \ud6a8\uc728\uc801\uc73c\ub85c \uad00\ub9ac\ud558\uace0 \uc608\uc0c1\uce58 \ubabb\ud55c \uc0c1\ud669\uc5d0 \ub300\ube44\ud558\uc5ec \ud544\uc694\ud55c \ubcf4\uc7a5\uc744 \ud655\ubcf4\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc815\ubcf4\ub97c \uafb8\uc900\ud788 \ud30c\uc545\ud568\uc73c\ub85c\uc368 \uac1c\uc778\uc740 \ubcf4\ud5d8 \uc635\uc158\uc5d0 \ub300\ud55c \uc0ac\uc804 \uacb0\uc815\uc744 \ub0b4\ub9ac\uace0 \uc790\uc2e0\uc5d0\uac8c \uc81c\uacf5\ub418\ub294 \ud61c\ud0dd\uc744 \uc774\ud574\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc9c0\uc2dd\uc740 \uc7ac\uc815 \uacc4\ud68d\uacfc \uc804\ubc18\uc801\uc778 \ub9c8\uc74c\uc758 \ud3c9\ud654\uc5d0 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uad81\uadf9\uc801\uc73c\ub85c \uc0ac\ud68c\ubcf4\ud5d8 \uc81c\ub3c4\ub97c \ub3c4\uc785\ud558\uba74 \uc9c1\uc6d0\ub4e4\uc774 \ud604\uc7ac\uc640 \ubbf8\ub798\ub97c \ud6a8\uacfc\uc801\uc73c\ub85c \uacc4\ud68d\ud560 \uc218 \uc788\uac8c \ub429\ub2c8\ub2e4. \uc774\ub294 \uc548\uc804, \uc548\uc815, \uadf8\ub9ac\uace0 \uc6f0\ube59\uc5d0 \ub300\ud55c \ud22c\uc790\uc785\ub2c8\ub2e4.<\/p>\n

\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uc0ac\ud68c\ubcf4\ud5d8 \uc635\uc158\uc744 \uc815\uae30\uc801\uc73c\ub85c \uac80\ud1a0\ud574 \ubcf4\uc138\uc694. \uc9c0\uc18d\uc801\uc778 \uad00\uc2ec\uacfc \uc774\ud574\ub97c \ud1b5\ud574 \ubcf4\uc7a5 \ubc94\uc704\ub97c \ucd5c\uc801\ud654\ud558\uace0 \ubbf8\ub798\uc5d0 \ub300\ud55c \uc900\ube44\ub97c \uc798 \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n\n\n\n\n
\ubcf4\ud5d8 \uc720\ud615<\/th>\n\uae30\uc5ec\uc728<\/th>\n\uc81c\uacf5\ub418\ub294 \ubcf4\uc7a5<\/th>\n<\/tr>\n
\uac74\uac15\ubcf4\ud5d8<\/td>\n14.6% (\uacf5\uc720)<\/td>\n\uc758\ub8cc \uc11c\ube44\uc2a4 \uc774\uc6a9<\/td>\n<\/tr>\n
\uc5f0\uae08\ubcf4\ud5d8<\/td>\n18.6% (\uacf5\uc720)<\/td>\n\ud1f4\uc9c1\uc18c\ub4dd<\/td>\n<\/tr>\n
\uc2e4\uc5c5 \ubcf4\ud5d8<\/td>\n2.4%(\uacf5\uc720)<\/td>\n\uc2e4\uc5c5 \uc911 \uc7ac\uc815 \uc9c0\uc6d0<\/td>\n<\/tr>\n
\uc7a5\uae30\uc694\uc591\ubcf4\ud5d8<\/td>\n3.05% (\uc790\ub140\uac00 \uc5c6\ub294 \uacbd\uc6b0 \uc99d\uac00)<\/td>\n\uc7a5\uae30\uc694\uc591 \uc9c0\uc6d0<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
    \n
  • \uac74\uac15\ubcf4\ud5d8\uc740 \ud544\uc694\ud55c \uc758\ub8cc \uce58\ub8cc\ub97c \ubc1b\uc744 \uc218 \uc788\ub294 \uae30\ud68c\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/li>\n
  • \uc5f0\uae08\ubcf4\ud5d8\uc740 \uc740\ud1f4 \ud6c4 \uc18c\ub4dd\uc744 \ubcf4\uc7a5\ud569\ub2c8\ub2e4.<\/li>\n
  • \uc2e4\uc5c5\ubcf4\ud5d8\uc740 \uc2e4\uc9c1 \uc2dc \uc7ac\uc815\uc801 \uc9c0\uc6d0\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/li>\n
  • \uc7a5\uae30\uc694\uc591\ubcf4\ud5d8\uc740 \ub178\uc778\ub4e4\uc758 \uc694\uad6c\ub97c \ucda9\uc871\uc2dc\ucf1c\uc90d\ub2c8\ub2e4.<\/li>\n
  • \uc9c1\uc6d0\ub4e4\uc740 \uc790\uc2e0\uc758 \uc758\ubb34\uc640 \ud61c\ud0dd \uc790\uaca9\uc744 \uc774\ud574\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"

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