{"id":509,"date":"2025-07-16T18:21:00","date_gmt":"2025-07-16T18:21:00","guid":{"rendered":"https:\/\/explorafly.com\/mastering-your-payslip-essential-insights-for-german-workers\/"},"modified":"2025-07-16T18:21:00","modified_gmt":"2025-07-16T18:21:00","slug":"mastering-your-payslip-essential-insights-for-german-workers","status":"publish","type":"post","link":"https:\/\/explorafly.com\/ko\/mastering-your-payslip-essential-insights-for-german-workers\/","title":{"rendered":"\uae09\uc5ec \uba85\uc138\uc11c \ub9c8\uc2a4\ud130\ud558\uae30: \ub3c5\uc77c \uadfc\ub85c\uc790\ub97c \uc704\ud55c \ud544\uc218 \ud1b5\ucc30\ub825"},"content":{"rendered":"

\ub3c5\uc77c\uc758 \ub9ce\uc740 \uadfc\ub85c\uc790\ub4e4\uc5d0\uac8c \uae09\uc5ec \uba85\uc138\uc11c\ub97c \uc774\ud574\ud558\ub294 \uac83\uc740 \uc27d\uc9c0 \uc54a\uc740 \uc77c\uc785\ub2c8\ub2e4. \uae09\uc5ec \uba85\uc138\uc11c\ub294 \ub9e4\ub2ec \ubc1c\uc0dd\ud558\ub294 \uc18c\ub4dd\uacfc \uacf5\uc81c \ub0b4\uc5ed\uc744 \uc790\uc138\ud788 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4. \ub3c5\uc77c\uc758 \uc138\uae08 \ubc0f \uc0ac\ud68c \ubcf4\uc7a5 \uc81c\ub3c4\ub294 \ub9e4\uc6b0 \ubcf5\uc7a1\ud558\uae30 \ub54c\ubb38\uc5d0, \uc774\ub7ec\ud55c \uc694\uc18c\ub4e4\uc744 \uba85\ud655\ud558\uac8c \uad6c\ubd84\ud558\uc5ec \uc774\ud574\ud558\ub294 \uac83\uc774 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n

\ub9ce\uc740 \uc9c1\uc6d0\ub4e4\uc774 \uae09\uc5ec \uba85\uc138\uc11c\uc758 \ubcf5\uc7a1\ud55c \ub0b4\uc6a9\uc744 \uc774\ud574\ud558\ub294 \ub370 \uc5b4\ub824\uc6c0\uc744 \uacaa\uc5b4 \ud63c\ub780\uacfc \ubd88\ud655\uc2e4\uc131\uc744 \ucd08\ub798\ud569\ub2c8\ub2e4. \uc798 \uad6c\uc131\ub41c \uae09\uc5ec \uba85\uc138\uc11c\ub294 \uc9c1\uc6d0\ub4e4\uc758 \uc18c\ub4dd\uacfc \uae30\uc5ec\uae08\uc5d0 \ub300\ud55c \uc815\ubcf4\ub97c \uc81c\uacf5\ud558\ub294 \uba87 \uac00\uc9c0 \ud544\uc218 \ud56d\ubaa9\uc744 \ud3ec\ud568\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uad6c\uc131 \uc694\uc18c\ub97c \uc774\ud574\ud558\uba74 \uc9c1\uc6d0\ub4e4\uc774 \uc790\uc2e0\uc758 \uc7ac\uc815 \uc0c1\ud0dc\uc5d0 \ub300\ud55c \uc9c0\uc2dd\uc744 \uc313\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc774 \uae00\uc740 \ub3c5\uc77c \uadfc\ub85c\uc790\ub4e4\uc774 \uc6d4\uae09 \uba85\uc138\uc11c\ub97c \ud574\uc11d\ud558\ub294 \ub370 \ub3c4\uc6c0\uc744 \ub4dc\ub9ac\uace0\uc790 \ud569\ub2c8\ub2e4. \uc77c\ubc18\uc801\uc778 \uacf5\uc81c \ud56d\ubaa9\uacfc \uae30\uc5ec\uae08 \ud56d\ubaa9\uc744 \ubd84\uc11d\ud568\uc73c\ub85c\uc368, \uadfc\ub85c\uc790\ub4e4\uc740 \ud798\ub4e4\uac8c \ubc88 \ub3c8\uc774 \uc5b4\ub514\uc5d0 \uc4f0\uc774\uace0 \uc5b4\ub5a4 \ud61c\ud0dd\uc744 \ubc1b\ub294\uc9c0 \uc54c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uae09\uc5ec \uba85\uc138\uc11c\ub780 \ubb34\uc5c7\uc778\uac00? \uad6c\uc131 \uc694\uc18c \uc774\ud574\ud558\uae30<\/h2>\n

\uae09\uc5ec \uba85\uc138\uc11c\ub294 \ud2b9\uc815 \uae09\uc5ec \uae30\uac04 \ub3d9\uc548 \uc9c1\uc6d0\uc758 \uc18c\ub4dd\uacfc \uacf5\uc81c \ub0b4\uc5ed\uc744 \uc0c1\uc138\ud788 \uae30\ub85d\ud55c \ubb38\uc11c\uc785\ub2c8\ub2e4. \uc77c\ubc18\uc801\uc73c\ub85c \ub9e4\uc6d4 \ubc1c\ud589\ub418\uba70, \uc18c\ub4dd \ubc0f \uace0\uc6a9 \uc99d\ube59 \uc790\ub8cc\ub85c \uc0ac\uc6a9\ub429\ub2c8\ub2e4. \ub3c5\uc77c\uc5d0\uc11c\ub294 \ucd1d\uae09\uc5ec, \uc138\uae08, \uc0ac\ud68c\ubcf4\uc7a5\uae30\uc5ec\uae08\uc5d0 \ub300\ud55c \uc815\ubcf4\uac00 \ud3ec\ud568\ub429\ub2c8\ub2e4.<\/p>\n

\uae09\uc5ec \uba85\uc138\uc11c\uc758 \uc8fc\uc694 \uad6c\uc131 \uc694\uc18c\ub294 \ucd1d\uc18c\ub4dd, \uacf5\uc81c\uc561, \uadf8\ub9ac\uace0 \uc21c\uae09\uc5ec\ub85c \uad6c\uc131\ub429\ub2c8\ub2e4. \ucd1d\uc18c\ub4dd\uc740 \uacf5\uc81c \uc804 \ucd1d\uc561\uc744 \ub098\ud0c0\ub0b4\uba70, \uc21c\uae09\uc5ec\ub294 \uc9c1\uc6d0\ub4e4\uc774 \ubc1b\ub294 \uc2e4\uc81c \uae09\uc5ec\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uad6c\uc131 \uc694\uc18c\ub97c \uc774\ud574\ud558\ub294 \uac83\uc740 \uae08\uc735 \uc774\ud574\ub825\uc744 \uc704\ud574 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n

\uae09\uc5ec \uba85\uc138\uc11c\ub294 \uace0\uc6a9\uc8fc\uc758 \uc0ac\ud68c \ubcf4\uc7a5 \ubc0f \ubcf4\ud5d8 \uae30\uc5ec\uae08\uc5d0 \ub300\ud55c \uc815\ubcf4\ub3c4 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uae30\uc5ec\uae08\uc740 \uc9c1\uc6d0\ub4e4\uc758 \uc0ac\ud68c \ubcf5\uc9c0 \ud61c\ud0dd\uc744 \ubcf4\uc7a5\ud558\ub294 \ub370 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc774 \uc815\ubcf4\ub97c \ubd84\uc11d\ud558\uba74 \uc9c1\uc6d0\ub4e4\uc774 \uacf5\uc81c\uc561\uc758 \uac00\uce58\ub97c \uc774\ud574\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n

\uae30\ubcf8 \uae09\uc5ec\uc640 \uacf5\uc81c \uc678\uc5d0\ub3c4 \uae09\uc5ec \uba85\uc138\uc11c\uc5d0\ub294 \ubcf4\ub108\uc2a4\uc640 \uac19\uc740 \ucd94\uac00 \ubcf5\ub9ac\ud6c4\uc0dd\uc774 \ud3ec\ud568\ub418\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc694\uc18c\ub4e4\uc744 \uc778\uc9c0\ud558\uba74 \uc9c1\uc6d0\ub4e4\uc5d0\uac8c \ub3d9\uae30\ub97c \ubd80\uc5ec\ud558\uace0 \ucd1d \uc218\uc785\uc5d0 \ub300\ud55c \ud1b5\ucc30\ub825\uc744 \uc81c\uacf5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uad81\uadf9\uc801\uc73c\ub85c \uae09\uc5ec \uba85\uc138\uc11c\ub97c \uc77d\ub294 \uac83\uc740 \uc9c1\uc6d0\ub4e4\uc5d0\uac8c \uc7ac\uc815\uc801\uc73c\ub85c \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n

\uc774\ud574\ub97c \ub3d5\uae30 \uc704\ud574 \uadfc\ub85c\uc790\ub294 \uae09\uc5ec \uba85\uc138\uc11c\uc5d0 \uc0ac\uc6a9\ub418\ub294 \ub808\uc774\uc544\uc6c3\uacfc \uc6a9\uc5b4\ub97c \uc219\uc9c0\ud574\uc57c \ud569\ub2c8\ub2e4. \uc77c\ubc18\uc801\uc778 \uc6a9\uc5b4\ub97c \uc774\ud574\ud558\uba74 \ubcf5\uc7a1\ud55c \uc7ac\ubb34 \uc815\ubcf4\ub97c \ub354 \uc27d\uac8c \uc774\ud574\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc77c\ubc18\uc801\uc778 \uacf5\uc81c \uc124\uba85<\/h2>\n

\uae09\uc5ec \uba85\uc138\uc11c\ub97c \uac80\ud1a0\ud560 \ub54c \uac00\uc7a5 \uba3c\uc800 \uace0\ub824\ud574\uc57c \ud560 \uc0ac\ud56d \uc911 \ud558\ub098\ub294 \uacf5\uc81c\uc561\uc785\ub2c8\ub2e4. \ub3c5\uc77c\uc5d0\uc11c \uc77c\ubc18\uc801\uc73c\ub85c \uacf5\uc81c\ub418\ub294 \ud56d\ubaa9\uc73c\ub85c\ub294 \uc18c\ub4dd\uc138, \uc5f0\ub300 \ucd94\uac00\uc138, \uc0ac\ud68c\ubcf4\uc7a5 \uae30\uc5ec\uae08 \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud56d\ubaa9\ub4e4\uc740 \ucd1d\uae09\uc5ec\ub97c \uc904\uc5ec \ucd5c\uc885 \uc21c\uae09\uc5ec\ub97c \uacb0\uc815\ud569\ub2c8\ub2e4.<\/p>\n

\ub3c5\uc77c\uc758 \uc18c\ub4dd\uc138\ub294 \ub204\uc9c4\uc138\uc728\uc744 \uae30\ubc18\uc73c\ub85c \uacc4\uc0b0\ub429\ub2c8\ub2e4. \uc989, \uc18c\ub4dd\uc774 \ub192\uc744\uc218\ub85d \ub354 \ub192\uc740 \uc138\uc728\uc774 \uc801\uc6a9\ub429\ub2c8\ub2e4. \uc774\ub97c \uc774\ud574\ud558\uba74 \uadfc\ub85c\uc790\uac00 \uc7ac\uc815 \uc0c1\ud669\uc5d0 \ub530\ub77c \uc2e4\uc218\ub839\uc561\uc758 \ubcc0\ub3d9\uc744 \uc608\uce21\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ucd94\uac00 \uc138\uae08\uc778 \uc5f0\ub300 \ucd94\uac00\uc138\ub294 \uad6d\uac00\uc758 \uac1c\ubc1c \uc0ac\uc5c5\uc5d0 \uc790\uae08\uc744 \uc9c0\uc6d0\ud569\ub2c8\ub2e4. \ud1b5\uc77c \ud6c4 \ub3d9\ub3c5 \uc9c0\uc6d0\uc744 \uc704\ud574 \ucc98\uc74c \ub3c4\uc785\ub41c \uc774 \uc9c0\uc6d0\uae08\uc740 \uad6d\uac00\uc801 \uc5f0\ub300 \ub178\ub825\uc5d0 \uc5ec\uc804\ud788 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uadfc\ub85c\uc790\ub4e4\uc740 \uae09\uc5ec \uba85\uc138\uc11c\uc640 \ud568\uaed8 \uc774 \uae08\uc561\uc744 \uc18c\ub4dd\uc138\uc640 \ud568\uaed8 \ud655\uc778\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc0ac\ud68c\ubcf4\uc7a5 \uae30\uc5ec\uae08\uc740 \uc758\ub8cc, \uc5f0\uae08, \uc2e4\uc5c5, \uadf8\ub9ac\uace0 \uc7a5\uae30\uc694\uc591\ubcf4\ud5d8\uc744 \ud3ec\ud568\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uae30\uc5ec\uae08\uc740 \uadfc\ub85c\uc790\uc640 \uadf8 \uac00\uc871\uc744 \ubcf4\ud638\ud558\uace0, \uc5b4\ub824\uc6b4 \uc2dc\uae30\uc5d0 \ud544\uc218\uc801\uc778 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc0ac\ud68c\ubcf4\uc7a5 \uae30\uc5ec\uae08\uc5d0 \ub300\ud55c \uc778\uc2dd\uc740 \uc9c1\uc6d0\ub4e4\uc774 \uc0ac\ud68c\ubcf4\uc7a5 \uae30\uc5ec\uae08\uc774 \uc81c\uacf5\ud558\ub294 \uc548\uc804\ub9dd\uc758 \uac00\uce58\ub97c \uc778\uc2dd\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n

\uace0\uc6a9\uc8fc\ub294 \uc77c\ubc18\uc801\uc73c\ub85c \uc9c1\uc6d0\uc774 \uc0ac\ud68c\ubcf4\uc7a5\uc5f0\uae08\uc5d0 \ub0a9\ubd80\ud558\ub294 \uae08\uc561\uc5d0 \ub9de\ucdb0 \uc9c0\uc6d0\ud558\uc5ec \uc218\ud61c \ud61c\ud0dd\uc744 \ud655\ub300\ud569\ub2c8\ub2e4. \ub530\ub77c\uc11c \uacf5\uc81c\uc561\uc740 \ubd80\ub2f4\uc2a4\ub7ec\uc6b8 \uc218 \uc788\uc9c0\ub9cc, \ubbf8\ub798\uc758 \uc548\uc815\uacfc \ubcf5\uc9c0\uc5d0 \ud06c\uac8c \uae30\uc5ec\ud569\ub2c8\ub2e4. \uadfc\ub85c\uc790\ub294 \uc7ac\uc815 \uacc4\ud68d\uc5d0\uc11c \uc774\ub7ec\ud55c \uacf5\uc81c\uc758 \uc911\uc694\uc131\uc744 \uc778\uc9c0\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

\uc0ac\ud68c \ubcf4\uc7a5 \uacf5\uc81c\uc5d0 \ub300\ud55c \uc790\uc138\ud55c \uc0b4\ud3b4\ubcf4\uae30<\/h2>\n

\ub3c5\uc77c\uc758 \uc0ac\ud68c\ubcf4\uc7a5\uc81c\ub3c4\ub294 \uadfc\ub85c\uc790\ub4e4\uc774 \uc54c\uc544\uc57c \ud560 \uc5ec\ub7ec \uc694\uc18c\ub85c \uad6c\uc131\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. \uc5ec\uae30\uc5d0\ub294 \uac74\uac15\ubcf4\ud5d8, \uc5f0\uae08\ubcf4\ud5d8, \uc2e4\uc5c5\ubcf4\ud5d8, \uadf8\ub9ac\uace0 \uc7a5\uae30\uc694\uc591\ubcf4\ud5d8\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4. \uac01 \uc694\uc18c\ub294 \uc2dc\ubbfc\ub4e4\uc758 \uc0b6\uc758 \uc9c8\uc744 \uc9c0\uc6d0\ud558\ub294 \ub370 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4.<\/p>\n

\ub3c5\uc77c\uc5d0\uc11c\ub294 \uac74\uac15 \ubcf4\ud5d8\uc774 \uc758\ubb34\ud654\ub418\uc5b4 \uc788\uc73c\uba70, \uc9c1\uc6d0\ub4e4\uc740 \ucd1d\uae09\uc5ec\uc758 \uc77c\ubd80\ub97c \uac74\uac15 \ubcf4\ud5d8\uc5d0 \ub0a9\ubd80\ud569\ub2c8\ub2e4. \uc774 \uacf5\uc81c \ud61c\ud0dd\uc744 \ud1b5\ud574 \uc758\ub8cc \uc11c\ube44\uc2a4\uc640 \uce58\ub8cc\ub97c \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uc2dc\uc2a4\ud15c\uc758 \uc6b4\uc601 \ubc29\uc2dd\uc744 \uc774\ud574\ud558\uba74 \uadfc\ub85c\uc790\uc758 \uac74\uac15 \uc0c1\ud0dc\ub97c \uac1c\uc120\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc5f0\uae08\ubcf4\ud5d8\ub8cc\ub294 \ud1f4\uc9c1\uc5f0\uae08 \ud61c\ud0dd\uc744 \uc9c0\uc6d0\ud558\uc5ec \uc9c1\uc6d0\ub4e4\uc774 \ub178\ud6c4\ub97c \ub300\ube44\ud558\uc5ec \uc800\ucd95\ud560 \uc218 \uc788\ub3c4\ub85d \ud569\ub2c8\ub2e4. \uc774 \uacf5\uc81c\ub294 \uc740\ud1f4 \ud6c4 \uc7ac\uc815\uc801 \uc548\uc815\uc744 \uc81c\uacf5\ud558\uae30 \ub54c\ubb38\uc5d0 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. \uc798 \uacc4\ud68d\ub41c \uc5f0\uae08\uc740 \ud3b8\uc548\ud558\uace0 \uc548\uc815\uc801\uc778 \uc740\ud1f4 \uc0dd\ud65c\ub85c \uc774\uc5b4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc2e4\uc5c5 \ubcf4\ud5d8\uc740 \uc2e4\uc9c1\ud55c \uadfc\ub85c\uc790\ub4e4\uc744 \uc9c0\uc6d0\ud569\ub2c8\ub2e4. \uc9c1\uc6d0 \uae09\uc5ec\uc758 \uc77c\ubd80\uac00 \uae30\uc5ec\ub418\uc5b4 \uc77c\uc2dc\uc801\uc778 \uc2e4\uc5c5 \uc2dc \uc7ac\uc815\uc801 \uc5ec\uc720\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc9c0\uc6d0\uc740 \uc774\uc9c1\uc774\ub098 \uc9c1\uc5c5 \ubcc0\uacbd \uc2dc \ubd88\uc548\uac10\uc744 \uc644\ud654\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc7a5\uae30\uc694\uc591\ubcf4\ud5d8\uc740 \uace0\ub839\uc774\ub098 \uc7a5\uc560\ub85c \uc778\ud574 \ub3cc\ubd04\uc774 \ud544\uc694\ud55c \uc0ac\ub78c\ub4e4\uc744 \uc704\ud55c \ubcf4\ud5d8\uc785\ub2c8\ub2e4. \ud544\uc694\ud55c \uc11c\ube44\uc2a4\uc5d0 \ub300\ud55c \uc7ac\uc815\uc801 \uc9c0\uc6d0\uc744 \ubc1b\uc744 \uc218 \uc788\ub3c4\ub85d \ubcf4\uc7a5\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uacf5\uc81c \ud61c\ud0dd\uc744 \uc778\uc9c0\ud558\uba74 \uc9c1\uc6d0\ub4e4\uc774 \uac74\uac15 \uad00\ub9ac\uc5d0 \ub300\ud55c \uc548\uc815\uac10\uc744 \ub290\ub084 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc18c\ub4dd\uc138 \ubc0f \uc5f0\ub300 \ucd94\uac00\uc138 \uc138\ubd80 \ub0b4\uc5ed<\/h2>\n

\uae09\uc5ec \uba85\uc138\uc11c\uc5d0 \uc18c\ub4dd\uc138\uac00 \uc5b4\ub5bb\uac8c \uacc4\uc0b0\ub418\ub294\uc9c0 \uc774\ud574\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ub3c5\uc77c\uc758 \uc138\uae08 \uc81c\ub3c4\ub294 \ub204\uc9c4\uc138\uc728\uc744 \uc801\uc6a9\ud558\ubbc0\ub85c \uace0\uc18c\ub4dd\uc790\uac00 \ub354 \ud070 \uc138\uc728\uc744 \ub0a9\ubd80\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc138\uc728\uc744 \uc219\uc9c0\ud558\uba74 \uadfc\ub85c\uc790\uc758 \uc815\ud655\ud55c \uc7ac\uc815 \uc608\uce21\uc5d0 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n

\uc885\uc885 \uc138\uae08\uc73c\ub85c \uc624\uc778\ub418\ub294 \uc5f0\ub300 \ucd94\uac00\uc138\ub294 \uc18c\ub4dd\uc138\uc5d0 \ub354\ud574\uc9d1\ub2c8\ub2e4. \uc138\uc728\uc740 \uad6d\uac00 \uac1c\ubc1c \uc0ac\uc5c5 \uc721\uc131\uc744 \uc704\ud574 \uc18c\ub4dd\uc138 5.5%\ub85c \uc720\uc9c0\ub429\ub2c8\ub2e4. \uadfc\ub85c\uc790\ub294 \uae09\uc5ec \uba85\uc138\uc11c\ub97c \uac80\ud1a0\ud560 \ub54c \uc774 \ucd94\uac00\uc138\ub97c \uba74\ubc00\ud788 \uac80\ud1a0\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

\uc18c\ub4dd\uc138\uc640 \uc5f0\ub300 \ucd94\uac00\uc138\ub294 \ubaa8\ub450 \uadfc\ub85c\uc790\uac00 \uc21c\uae09\uc5ec\ub97c \ubc1b\uae30 \uc804\uc5d0 \uace0\uc6a9\uc8fc\uac00 \uc6d0\ucc9c\uc9d5\uc218\ud569\ub2c8\ub2e4. \uc774 \uacfc\uc815\uc744 \ud1b5\ud574 \uc138\uae08\uc774 \ud6a8\uc728\uc801\uc73c\ub85c \ub0a9\ubd80\ub418\uace0 \uadfc\ub85c\uc790\uc758 \ubd80\ub2f4\uc774 \uc904\uc5b4\ub4ed\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc6d0\ucc9c\uc9d5\uc218 \ubc29\uc2dd\uc744 \uc219\uc9c0\ud558\uba74 \uae09\uc5ec \ucd1d\uc561\uacfc \uad00\ub828\ub41c \ud63c\ub780\uc744 \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uadfc\ub85c\uc790\ub294 \uc628\ub77c\uc778 \uacc4\uc0b0\uae30\ub97c \uc0ac\uc6a9\ud558\uc5ec \uc18c\ub4dd\uc5d0 \ub530\ub978 \uc608\uc0c1 \uacf5\uc81c\uc561\uc744 \ucd94\uc815\ud560 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub3c4\uad6c\ub294 \uadc0\uc911\ud55c \ud1b5\ucc30\ub825\uc744 \uc81c\uacf5\ud558\uc5ec \uae09\uc5ec \uba85\uc138\uc11c\ub97c \ub354 \uc27d\uac8c \ud574\uc11d\ud558\uace0 \ub354 \ub098\uc740 \uc7ac\uc815 \uacc4\ud68d\uc744 \uc138\uc6b8 \uc218 \uc788\ub3c4\ub85d \ub3c4\uc640\uc90d\ub2c8\ub2e4. \uc7ac\uc815\uc5d0 \ub300\ud574 \uc801\uadf9\uc801\uc73c\ub85c \ub300\ucc98\ud558\ub294 \uac83\uc740 \ud56d\uc0c1 \uc720\uc775\ud569\ub2c8\ub2e4.<\/p>\n

\uc790\uc2e0\uc758 \uc138\ubb34 \uc0c1\ud669\uc744 \uc774\ud574\ud558\uba74 \uc804\ub7b5\uc801\uc73c\ub85c \uc138\ubb34 \uacc4\ud68d\uc744 \uc138\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uadfc\ub85c\uc790\ub294 \uc18c\ub4dd \uc218\uc900\uc5d0 \ub530\ub77c \uc7a0\uc7ac\uc801\uc778 \uc138\ubb34 \uc2e0\uace0\uc11c\ub098 \ucc44\ubb34\ub97c \ud30c\uc545\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc138\ubb34 \uc815\ubcf4\ub97c \uafb8\uc900\ud788 \ud30c\uc545\ud558\ub294 \uac83\uc740 \uc7ac\uc815\uc801 \uc548\ub155\uc5d0 \uc0c1\ub2f9\ud55c \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ud2b9\ubcc4 \uacf5\uc81c \ubc0f \ud61c\ud0dd<\/h2>\n

\uac1c\uc778\uc758 \uc0c1\ud669\uacfc \uace0\uc6a9\uc8fc \uc815\ucc45\uc5d0 \ub530\ub77c \uae09\uc5ec \uba85\uc138\uc11c\uc5d0 \ucd94\uac00 \uacf5\uc81c \uae08\uc561\uc774 \ud45c\uc2dc\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc77c\ubc18\uc801\uc778 \ud2b9\ubcc4 \uacf5\uc81c\uc5d0\ub294 \uc804\ubb38\uc9c1 \uc885\uc0ac \ube44\uc6a9\uacfc \uc790\ubc1c\uc801 \ubcf4\ud5d8\ub8cc\uac00 \ud3ec\ud568\ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uacf5\uc81c \ud56d\ubaa9\uc744 \ud30c\uc545\ud558\uba74 \uadfc\ub85c\uc790\uc758 \uc7ac\uc815 \uc0c1\ud669\uc744 \uac1c\uc120\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc5c5\ubb34 \uad00\ub828 \ucd9c\uc7a5\ube44\ub098 \uad50\uc721\ube44\uc640 \uac19\uc740 \uc804\ubb38 \ube44\uc6a9\uc740 \uc9c1\uc6d0\uc758 \ucd1d\uae09\uc5ec\uc5d0\uc11c \uacf5\uc81c\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uae30\ub85d\uc744 \uccb4\uacc4\uc801\uc73c\ub85c \uad00\ub9ac\ud558\uba74 \uc5f0\uac04 \uc138\uae08 \uc2e0\uace0 \uc2dc \uc138\uae08 \uacf5\uc81c \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc9c1\uc6d0\ub4e4\uc740 \uc774\ub7ec\ud55c \uae30\ud68c\ub97c \ud56d\uc0c1 \uc778\uc9c0\ud558\uace0 \uc788\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

\uc77c\ubd80 \uace0\uc6a9\uc8fc\ub294 \uae09\uc5ec \uba85\uc138\uc11c\uc5d0 \uacf5\uc81c \ud56d\ubaa9\uc73c\ub85c \ud45c\uc2dc\ub420 \uc218 \uc788\ub294 \uc790\ubc1c\uc801 \ubcf4\ud5d8 \uc635\uc158\uc744 \uc81c\uacf5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc5ec\uae30\uc5d0\ub294 \ubcf4\ucda9 \uac74\uac15 \ubcf4\ud5d8\uc774\ub098 \ucd94\uac00 \uc5f0\uae08 \uae30\uc5ec\uae08\uc774 \ud3ec\ud568\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc635\uc158\uc744 \uc774\ud574\ud558\uba74 \uadfc\ub85c\uc790\uac00 \uc7ac\uc815\uc801 \uc548\uc815\uc5d0 \ub300\ud55c \uc815\ubcf4\uc5d0 \uae30\ubc18\ud55c \uacb0\uc815\uc744 \ub0b4\ub9ac\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n

\uacbd\uc6b0\uc5d0 \ub530\ub77c \uc9c1\uc6d0\ub4e4\uc740 \uc790\uc120 \uc0ac\uc5c5\uc774\ub098 \ub2e8\uccb4 \uac00\uc785\uc5d0 \ub300\ud55c \uae30\ubd80\uae08\uc744 \ubc1b\uc744 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uacf5\uc81c\ub294 \uc804\ubc18\uc801\uc778 \uc7ac\uc815 \uacc4\ud68d\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce58\uace0 \uc0ac\ud68c\uc801 \ucc45\uc784 \uac15\ud654\uc758 \uc774\uc810\uc744 \ubd80\uac01\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc778\uc2dd\uc740 \uc9c1\uc6d0\ub4e4\uc774 \uc758\ubb34 \ubcf5\ubb34 \uc774\uc678\uc758 \uae30\uc5ec\ub3c4 \uace0\ub824\ud558\ub3c4\ub85d \uc7a5\ub824\ud569\ub2c8\ub2e4.<\/p>\n

\uc9c1\uc6d0\ub4e4\uc740 \ud2b9\uc774\ud558\uac70\ub098 \uc0dd\uc18c\ud55c \uacf5\uc81c \ub0b4\uc5ed\uc774 \uc788\ub294 \uacbd\uc6b0 \uc778\uc0ac\ubd80 \ub610\ub294 \uae09\uc5ec\ud300\uc5d0 \ubb38\uc758\ud558\uc5ec \uac80\ud1a0\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \uba85\ud655\uc131\uc744 \ud655\ubcf4\ud558\uace0, \uc9c1\uc6d0\ub4e4\uc774 \uc798\ubabb\ub41c \uacf5\uc81c \ub0b4\uc5ed\uc744 \uc218\uc815\ud558\uac70\ub098 \uc790\uc2e0\uc758 \uc120\ud0dd\uc5d0 \ub300\ud55c \uc774\ud574\ub97c \ub192\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uae09\uc5ec \uba85\uc138\uc11c\ub97c \ud6a8\uacfc\uc801\uc73c\ub85c \uc77d\ub294 \ubc29\ubc95<\/h2>\n

\uae09\uc5ec \uba85\uc138\uc11c\ub97c \ud6a8\uacfc\uc801\uc73c\ub85c \uc77d\uc73c\ub824\uba74 \uadf8 \uad6c\uc131\uacfc \uc6a9\uc5b4\uc5d0 \uc775\uc219\ud574\uc57c \ud569\ub2c8\ub2e4. \uc9c1\uc6d0\ub4e4\uc740 \uac01 \ud56d\ubaa9\uc744 \uaf3c\uaf3c\ud788 \uc0b4\ud3b4\ubcf4\uace0 \ucd1d\uae09\uc5ec\uac00 \uc21c\uae09\uc5ec\ub85c \uc5b4\ub5bb\uac8c \ud658\uc0b0\ub418\ub294\uc9c0 \uc774\ud574\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub2a5\ub825\uc740 \uc608\uc0b0 \ubc0f \uc7ac\ubb34 \uacc4\ud68d\uc5d0 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.<\/p>\n

\uba3c\uc800 \ucd1d\uae09\uc5ec\ub97c \ud655\uc778\ud558\uc5ec \uacf5\uc81c \uc804 \ucd1d\uc18c\ub4dd\uc744 \uba85\ud655\ud558\uac8c \ud30c\uc545\ud558\uc138\uc694. \ub2e4\uc74c\uc73c\ub85c, \uc138\uae08 \ubc0f \uc0ac\ud68c\ubcf4\uc7a5\uae30\uc5ec\uae08 \uc138\ubd80 \ub0b4\uc5ed\uc744 \ud655\uc778\ud558\uc138\uc694. \uc774\ub97c \ud1b5\ud574 \uc18c\ub4dd\uc774 \uc5b4\ub514\uc5d0 \ubc30\ubd84\ub418\ub294\uc9c0 \ub354 \uba85\ud655\ud558\uac8c \ud30c\uc545\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uacf5\uc81c \ud6c4, \uc9c1\uc6d0\ub4e4\uc740 \uc21c\uae09\uc5ec\ub97c \ub208\uc5d0 \ub744\uac8c \ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uc740\ud589 \uacc4\uc88c\uc5d0 \uc785\uae08\ub41c \uae08\uc561\uc73c\ub85c, \uc2e4\uc81c \uae09\uc5ec\ub97c \ub098\ud0c0\ub0c5\ub2c8\ub2e4. \uc774 \uae08\uc561\uc744 \uc774\ud574\ud558\uba74 \uc6d4 \uc9c0\ucd9c\uc744 \uad00\ub9ac\ud558\uace0 \uc800\ucd95 \uc804\ub7b5\uc744 \uc138\uc6b0\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uadfc\ub85c\uc790\ub294 \uae09\uc5ec \uba85\uc138\uc11c\uc5d0\uc11c \uad6c\uccb4\uc801\uc778 \uacf5\uc81c\uc561\uc774\ub098 \uae30\uc5ec\uae08\uc5d0 \ub300\ud55c \uc124\uba85\uc774 \uc788\ub294 \ucd94\uac00 \uba54\ubaa8\ub098 \uac01\uc8fc\ub97c \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ucd94\uac00 \uc815\ubcf4\ub294 \ubd88\ud655\uc2e4\uc131\uc744 \ud574\uc18c\ud558\uace0 \ud574\uc11d\uc744 \ub354 \uc27d\uac8c \ub9cc\ub4e4\uc5b4 \uc904 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc815\ubcf4\ub97c \uafb8\uc900\ud788 \ud30c\uc545\ud558\uba74 \uc7ac\uc815\uc5d0 \ub300\ud55c \uc774\ud574\uc5d0 \uc790\uc2e0\uac10\uc744 \uac16\uac8c \ub429\ub2c8\ub2e4.<\/p>\n

\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uc9c1\uc6d0\ub4e4\uc740 \uae30\ub85d \ubcf4\uad00\uc744 \uc704\ud574 \uae09\uc5ec \uba85\uc138\uc11c\ub97c \uc815\ub9ac\ud558\uc5ec \ubcf4\uad00\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uacfc\uac70 \uae09\uc5ec \uba85\uc138\uc11c\ub97c \ubcf4\uad00\ud558\uba74 \ud5a5\ud6c4 \uc18c\ub4dd\uc744 \uc608\uce21\ud558\uace0 \uc138\uae08 \ubcf4\uace0\uc11c\ub97c \uc791\uc131\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \uc815\ub9ac\ub294 \ud63c\ub780\uc744 \uc904\uc774\uace0 \uc7ac\uc815\uc5d0 \ub300\ud55c \uc778\uc2dd\uc744 \uc720\uc9c0\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n

\uacb0\ub860<\/h2>\n

\ub3c5\uc77c \uadfc\ub85c\uc790\ub85c\uc11c \ud604\uba85\ud55c \uc7ac\uc815\uc801 \uacb0\uc815\uc744 \ub0b4\ub9ac\ub824\uba74 \uae09\uc5ec \uba85\uc138\uc11c\ub97c \uc774\ud574\ud558\ub294 \uac83\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. \uae09\uc5ec \uba85\uc138\uc11c\uc758 \uacf5\uc81c, \uc138\uae08, \uadf8\ub9ac\uace0 \uae30\uc5ec\uae08 \ub0b4\uc5ed\uc744 \ud30c\uc545\ud568\uc73c\ub85c\uc368 \uc9c1\uc6d0\ub4e4\uc740 \uc790\uc2e0\uc758 \uc804\ubc18\uc801\uc778 \uc7ac\uc815 \uc0c1\ud669\uc744 \ud30c\uc545\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc9c0\uc2dd\uc740 \ud604\uc7ac\uc640 \ubbf8\ub798\uc758 \ud544\uc694\uc5d0 \ub9de\ucdb0 \uac1c\uc778 \uc7ac\uc815\uc744 \uad00\ub9ac\ud558\ub294 \ub370 \uc790\uc2e0\uac10\uc744 \ud0a4\uc6cc\uc90d\ub2c8\ub2e4.<\/p>\n

\uae09\uc5ec \uba85\uc138\uc11c\uc758 \ubcf5\uc7a1\ud55c \ub0b4\uc6a9\uc744 \ud30c\uc545\ud558\ub294 \uac83\uc774 \ucc98\uc74c\uc5d0\ub294 \uc5b4\ub824\uc6b8 \uc218 \uc788\uc9c0\ub9cc, \uac01 \uad6c\uc131 \uc694\uc18c\ub97c \uc138\ubd84\ud654\ud558\uba74 \uc808\ucc28\uac00 \uac04\uc18c\ud654\ub429\ub2c8\ub2e4. \uc9c1\uc6d0\ub4e4\uc740 \uae09\uc5ec \uba85\uc138\uc11c\ub97c \uc801\uadf9\uc801\uc73c\ub85c \uc774\ud574\ud558\uace0 \ud544\uc694\ud55c \uacbd\uc6b0 \uc124\uba85\uc744 \uc694\uccad\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n

\uad81\uadf9\uc801\uc73c\ub85c \uae09\uc5ec \uba85\uc138\uc11c\ub97c \ud574\uc11d\ud558\ub294 \uac83\uc740 \uae08\uc735 \uc774\ud574\ub825\uc744 \ud5a5\uc0c1\uc2dc\ud0a4\uace0, \uc608\uc0b0 \uad00\ub9ac\ub97c \uac1c\uc120\ud558\uba70, \uadfc\ub85c\uc790\ub4e4\uc774 \uc790\uc2e0\uc758 \uc18c\ub4dd\uacfc \uae30\uc5ec\uae08\uc5d0 \ub300\ud574 \uc815\ubcf4\uc5d0 \uae30\ubc18\ud55c \uc120\ud0dd\uc744 \ud560 \uc218 \uc788\ub3c4\ub85d \ud574\uc90d\ub2c8\ub2e4. \ub530\ub77c\uc11c \ub354 \ub098\uc740 \uc7ac\uc815\uc801 \ubbf8\ub798\ub97c \uc704\ud574 \ub9e4\ub2ec \uae09\uc5ec \uba85\uc138\uc11c\ub97c \ubd84\uc11d\ud558\ub294 \uc2dc\uac04\uc744 \uac00\uc9c0\uc2ed\uc2dc\uc624.<\/p>","protected":false},"excerpt":{"rendered":"

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