{"id":168,"date":"2025-10-16T20:25:00","date_gmt":"2025-10-16T20:25:00","guid":{"rendered":"https:\/\/usthefinance.com\/the-ethics-of-algorithmic-decision-making-in-credit-approval\/"},"modified":"2025-10-16T20:25:14","modified_gmt":"2025-10-16T20:25:14","slug":"the-ethics-of-algorithmic-decision-making-in-credit-approval","status":"publish","type":"post","link":"https:\/\/usthefinance.com\/ko\/the-ethics-of-algorithmic-decision-making-in-credit-approval\/","title":{"rendered":"\uc2e0\uc6a9 \uc2b9\uc778 \uacfc\uc815\uc5d0\uc11c \uc54c\uace0\ub9ac\uc998 \uae30\ubc18 \uc758\uc0ac \uacb0\uc815\uc758 \uc724\ub9ac"},"content":{"rendered":"

<\/p>\n

\ub300\ucd9c\uc774\ub098 \uc2e0\uc6a9\uce74\ub4dc \uc2e0\uccad\uc740 \ucef4\ud4e8\ud130\uac00 \ub2f9\uc2e0\uc758 \uc6b4\uba85\uc744 \uacb0\uc815\ud560 \ub54c \uc644\uc804\ud788 \ub2e4\ub978 \ub290\ub08c\uc744 \uc90d\ub2c8\ub2e4. \uc54c\uace0\ub9ac\uc998\uc5d0 \uae30\ubc18\ud55c \uc2e0\uc6a9 \uc2b9\uc778 \uacb0\uc815\uc740 \ud6a8\uc728\uc801\uc774\uba74\uc11c\ub3c4 \ubd88\uc548\uac10\uc744 \uc870\uc131\ud560 \uc218 \uc788\ub294\ub370, \ud2b9\ud788 \uadf8 \uacb0\uacfc\uac00 \uc0dd\uacc4\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce60 \ub54c\ub294 \ub354\uc6b1 \uadf8\ub807\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc2e0\uc6a9\uc740 \uc8fc\ud0dd \uad6c\uc785, \uc0ac\uc5c5 \ud655\uc7a5, \ube44\uc0c1 \uc0c1\ud669 \uadf9\ubcf5\uacfc \uac19\uc740 \uc2e4\uc9c8\uc801\uc778 \uae30\ud68c\ub97c \ub9cc\ub4e4\uc5b4\ub0c5\ub2c8\ub2e4. \uc54c\uace0\ub9ac\uc998\uc774 \ub300\ucd9c \uc5c5\ubb34\ub97c \ub354 \ub9ce\uc774 \ucc98\ub9ac\ud558\uac8c \ub418\uba74\uc11c \uc724\ub9ac\uc801 \ubb38\uc81c\ub3c4 \uc99d\uac00\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uacf5\uc815\uc131, \ud22c\uba85\uc131, \ud3b8\uacac \uc5c6\ub294 \uacb0\uc815\uc740 \uae30\uc220\uc774 \ubcf4\uc7a5\ud558\ub294 \uac83\uc774 \uc544\ub2c8\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n

\uc774 \uae00\uc5d0\uc11c\ub294 \uc2e0\uc6a9 \uc2b9\uc778 \uacfc\uc815\uc5d0\uc11c \uc54c\uace0\ub9ac\uc998 \uae30\ubc18 \uc758\uc0ac \uacb0\uc815\uc774 \uac16\ub294 \uc724\ub9ac\uc801 \uce21\uba74\uc744 \ubd84\uc11d\ud569\ub2c8\ub2e4. \ucf54\ub4dc\uac00 \uc5ec\ub7ec\ubd84\uc758 \uc7ac\uc815\uc801 \ubbf8\ub798\ub97c \uc88c\uc6b0\ud560 \uc218 \uc788\ub294 \uc138\uc0c1\uc5d0\uc11c \ud604\uba85\ud558\uac8c \ub300\ucc98\ud558\uae30 \uc704\ud55c \uc2e4\uc9c8\uc801\uc778 \ub2e8\uacc4, \uba85\ud655\ud55c \uc0ac\ub840, \uadf8\ub9ac\uace0 \ud655\uc2e4\ud55c \uccb4\ud06c\ub9ac\uc2a4\ud2b8\ub97c \uc0b4\ud3b4\ubcf4\uc138\uc694.<\/p>\n

\uae30\ubc18 \uc6d0\ub9ac \ud30c\uc545: \uc54c\uace0\ub9ac\uc998 \uae30\ubc18 \uc2e0\uc6a9 \uc2b9\uc778\uc758 \ud575\uc2ec\uc740 \ubb34\uc5c7\uc77c\uae4c\uc694?<\/h2>\n

\uc54c\uace0\ub9ac\uc998 \uae30\ubc18 \uc2e0\uc6a9 \uc2b9\uc778 \uaddc\uce59\uc744 \ub204\uac00 \uc815\ud558\ub294\uc9c0 \uc774\ud574\ud558\ub294 \uac83\uc740 \uacf5\uc815\ud55c \ucd9c\ubc1c\uc810\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc2dc\uc2a4\ud15c\uc740 \uc9c4\uacf5 \uc0c1\ud0dc\uc5d0\uc11c \ud310\ub2e8\uc744 \ub0b4\ub9ac\ub294 \uac83\uc774 \uc544\ub2c8\ub77c, \ub370\uc774\ud130, \uc124\uacc4 \ubc0f \uc778\uac04\uc758 \uac10\ub3c5\uc5d0 \uc758\ud574 \ud615\uc131\ub41c \ud504\ub85c\uc138\uc2a4\ub97c \ub530\ub985\ub2c8\ub2e4.<\/p>\n

\uc2e0\uc6a9 \ud3c9\uac00 \uc54c\uace0\ub9ac\uc998\uc740 \uc77c\ubc18\uc801\uc73c\ub85c \uc218\ucc9c \uac1c\uc758 \ub370\uc774\ud130 \ud3ec\uc778\ud2b8\ub97c \ubd84\uc11d\ud558\uc5ec \uc704\ud5d8\uc744 \uc608\uce21\ud569\ub2c8\ub2e4. \ub300\ucd9c \uae30\uad00\uc740 \uc0ac\uc5c5 \uc6b0\uc120\uc21c\uc704, \uaddc\uc81c \uc694\uad6c \uc0ac\ud56d \ub610\ub294 \uace0\uac1d \uae30\ubc18\uc758 \ubcc0\ud654\ub97c \ubc18\uc601\ud558\uc5ec \uc54c\uace0\ub9ac\uc998\uc744 \uc870\uc815\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ub370\uc774\ud130\uc758 \uc2dc\uc791\uc810: \uac1c\uc778, \uc7ac\uc815 \ubc0f \ud589\ub3d9 \ub370\uc774\ud130 \uc18c\uc2a4<\/h3>\n

\uc54c\uace0\ub9ac\uc998\uc740 \uc18c\ub4dd\uc774\ub098 \uae30\uc874 \ubd80\ucc44\uc640 \uac19\uc740 \uba85\ud655\ud55c \ub370\uc774\ud130\ubfd0\ub9cc \uc544\ub2c8\ub77c \uc798 \ub4dc\ub7ec\ub098\uc9c0 \uc54a\ub294 \ud2b9\uc9d5\uae4c\uc9c0 \uace0\ub824\ud569\ub2c8\ub2e4. \uacb0\uc81c \uc2dc\uae30, \uacf5\uacfc\uae08 \ub0a9\ubd80 \ub0b4\uc5ed, \uc628\ub77c\uc778 \uc1fc\ud551 \ud328\ud134 \ub4f1\uc774 \uc758\uc0ac \uacb0\uc815 \uc5d4\uc9c4\uc5d0 \uc785\ub825\ub418\uc5b4 \uc2e0\uc6a9 \ud3c9\uac00 \uacb0\uacfc\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4.<\/p>\n

\uc608\ub97c \ub4e4\uc5b4, \uc77c\ubd80 \ud540\ud14c\ud06c \uae30\uc5c5\uc740 \uc778\uc2a4\ud0c0\uadf8\ub7a8 \ud65c\ub3d9\uc774\ub098 \uc804\uc790\uc0c1\uac70\ub798 \ub0b4\uc5ed\uc744 \uc2e0\uc6a9 \ud3c9\uac00 \ubaa8\ub378\uc5d0 \ud1b5\ud569\ud569\ub2c8\ub2e4. "\uc6d4\uae09\ub0a0 \uc9c1\ud6c4 \ucf58\uc11c\ud2b8 \ud2f0\ucf13 \uad6c\ub9e4"\uc640 \uac19\uc740 \uc815\ubcf4\ub294 \uc0c1\ud658 \uc77c\uad00\uc131\uc5d0 \ub300\ud55c \ucd94\uac00\uc801\uc778 \ub2e8\uc11c\ub97c \uc2dc\uc2a4\ud15c\uc5d0 \uc81c\uacf5\ud558\uc5ec \uc2e0\uc6a9\ub3c4\ub97c \ud3c9\uac00\ud558\ub294 \ub370 \ud65c\uc6a9\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uacf5\uc815\uc131\uc744 \ud655\ubcf4\ud558\ub824\uba74 \uc54c\uace0\ub9ac\uc998 \uae30\ubc18 \uc2e0\uc6a9 \uc2b9\uc778 \uacb0\uc815\uc5d0 \uc5b4\ub5a4 \ub370\uc774\ud130 \uc18c\uc2a4\uac00 \uc0ac\uc6a9\ub418\ub294\uc9c0 \uc54c\uc544\uc57c \ud569\ub2c8\ub2e4. \ub300\ucd9c \uc2e0\uccad\uc5d0 \ub3d9\uc758\ud558\uae30 \uc804\uc5d0 \ub370\uc774\ud130 \uc0ac\uc6a9 \ub0b4\uc5ed \uc694\uc57d\uc11c\ub97c \uc694\uccad\ud558\uc2ed\uc2dc\uc624. \ud22c\uba85\uc131\uc744 \ud1b5\ud574 \uc624\ub798\ub418\uc5c8\uac70\ub098 \uc798\ubabb\ub41c \uc815\ubcf4\ub97c \ubc14\ub85c\uc7a1\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc810\uc218 \uc0b0\uc815\uc5d0\uc11c \uac00\uc911\uce58, \uc601\ud5a5 \ubc0f \uac80\ud1a0 \uc8fc\uae30<\/h3>\n

\uac01 \ub370\uc774\ud130 \uc694\uc18c\uc5d0\ub294 \uc911\uc694\ub3c4\uac00 \ud560\ub2f9\ub429\ub2c8\ub2e4. \uacb0\uc81c \ub0b4\uc5ed\uc740 40%\uc640 \uac19\uc740 \uc911\uc694\ud55c \ub370\uc774\ud130\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\uc9c0\ub9cc, \uc18c\uc15c \ub124\ud2b8\uc6cc\ud06c \ub370\uc774\ud130\ub294 \uc0c1\ub300\uc801\uc73c\ub85c \uc911\uc694\ub3c4\uac00 \ub0ae\uc2b5\ub2c8\ub2e4. \ub2e8 \ud55c \ubc88\uc758 \uc5f0\uccb4\ub3c4 \uc218\uc2ed \uac74\uc758 \uc18c\uc561 \uc628\ub77c\uc778 \uad6c\ub9e4\uc5d0 \uc5f0\uc1c4\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ub300\ucd9c \uae30\uad00\uc740 \ub54c\ub54c\ub85c \uc790\ub3d9\ud654\ub41c \uac80\ud1a0 \uc2dc\uc2a4\ud15c\uc744 \uc0ac\uc6a9\ud558\uc9c0\ub9cc, \uadf9\ub2e8\uc801\uc778 \uacbd\uc6b0\uc5d0\ub294 \uc0ac\ub78c\uc758 \ud310\ub2e8\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, "\uc548\uc815\uc801\uc778 \uc9c1\uc5c5\uc744 \uac00\uc84c\uc9c0\ub9cc \uc758\ub8cc\ube44\uac00 \ub9ce\uc774 \ub4dc\ub294 \uc2e0\uccad\uc790"\uc640 \uac19\uc740 \uacbd\uc6b0, \uc704\ud5d8\uacfc \ub3d9\uc815\uc2ec\uc744 \uace0\ub824\ud558\uc5ec \uc218\ub3d9\uc73c\ub85c \uac80\ud1a0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc2e0\uc6a9 \uc2e0\uccad\uc774 \uac70\ubd80\ub41c \uacbd\uc6b0, \uac00\uc911\uce58 \uc694\uc18c\uc5d0 \ub300\ud55c \uc124\uba85\uc744 \uc694\uccad\ud558\uc138\uc694. \uc2e0\uc6a9 \uc810\uc218 \uc54c\uace0\ub9ac\uc998\uc73c\ub85c \uc778\ud574 \uc2e0\uccad\uc774 \uac70\ubd80\ub41c \uacbd\uc6b0, \ub300\ucd9c \uae30\uad00\uc740 \uc5b4\ub5a4 \uc694\uc18c\uac00 \uacb0\uc815\uc5d0 \uc601\ud5a5\uc744 \ubbf8\ucce4\ub294\uc9c0 \uba85\ud655\ud788 \uc124\uba85\ud558\uc5ec \uc624\ub958\ub97c \uc218\uc815\ud560 \uc218 \uc788\ub294 \ubc29\ubc95\uc744 \uc81c\uc2dc\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n\n\n\n\n\n\n
\uc54c\uace0\ub9ac\uc998 \uc720\ud615<\/th>\n\ub370\uc774\ud130 \uc785\ub825<\/th>\n\uc77c\ubc18\uc801\uc778 \uc0ac\uc6a9 \uc0ac\ub840<\/th>\n\ub2f9\uc2e0\uc774 \ud560 \uc218 \uc788\ub294 \uc77c<\/th>\n<\/tr>\n<\/thead>\n
\uc120\ud615 \ud68c\uadc0<\/td>\n\uc2e0\uc6a9 \uc810\uc218, \ubd80\ucc44, \uc18c\ub4dd, \uc9c1\uc5c5 \uacbd\ub825<\/td>\n\ubaa8\uae30\uc9c0 \uc2b9\uc778<\/td>\n\uace0\uc6a9 \uc815\ubcf4 \uc5c5\ub370\uc774\ud2b8; \uac01 \uc694\uc18c\uc758 \uac00\uc911\uce58 \uc870\ud68c<\/td>\n<\/tr>\n
\uc758\uc0ac\uacb0\uc815 \ud2b8\ub9ac<\/td>\n\uc778\uad6c \ud1b5\uacc4, \uc9c0\ubd88 \uc77c\uad00\uc131, \uc740\ud589 \uac70\ub798 \ub0b4\uc5ed<\/td>\n\uac1c\uc778 \ub300\ucd9c<\/td>\n\uc54c\uace0\ub9ac\uc998 \uc124\uba85 \uc694\uccad \ubc0f \ud3b8\ud5a5 \uc5ec\ubd80 \ud655\uc778<\/td>\n<\/tr>\n
\uc2e0\uacbd\ub9dd<\/td>\n\uac70\ub798 \ub0b4\uc5ed, \uc628\ub77c\uc778 \ud65c\ub3d9, \uc9c0\ucd9c<\/td>\n\uc2e0\uc6a9\uce74\ub4dc, \uc18c\uc561\ub300\ucd9c<\/td>\n\ub370\uc774\ud130 \uc0ac\uc6a9 \ub3d9\uc758 \uc5ec\ubd80\ub97c \ud655\uc778\ud558\uace0 \ud504\ub85c\ud544 \uac80\ud1a0\ub97c \uc694\uccad\ud558\uc138\uc694.<\/td>\n<\/tr>\n
\uc810\uc218\ud45c<\/td>\n\uccad\uad6c\uc11c \ub0a9\ubd80, \uc2e0\uc6a9 \ud65c\uc6a9\ub960, \uc790\uc0b0 \uc99d\uba85<\/td>\n\uc790\ub3d9\ucc28 \ub300\ucd9c, \uc18c\ub9e4 \uc2e0\uc6a9<\/td>\n\uc9c0\uae09 \uae30\ub85d\uc758 \uc624\ub958\ub97c \uc218\uc815\ud558\uace0 \uc790\uc0b0\uc744 \ud655\uc778\ud569\ub2c8\ub2e4.<\/td>\n<\/tr>\n
\uc559\uc0c1\ube14 \ubaa8\ub378<\/td>\n\uc704\uc758 \ubaa8\ub4e0 \uac83, \ub300\uccb4 \ub514\uc9c0\ud138 \uc2e0\ud638<\/td>\n\uc18c\uae30\uc5c5 \ub300\ucd9c<\/td>\n\ubd88\ub9ac\ud55c \uc870\uce58\uc5d0 \uc774\uc758\ub97c \uc81c\uae30\ud558\uace0, \uc778\uac04 \uac80\ud1a0\ub97c \uc694\uccad\ud558\uc2ed\uc2dc\uc624.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\uad6c\uccb4\uc801\uc778 \uc870\uce58: \uc790\ub3d9\ud654\ub41c \uc758\uc0ac \uacb0\uc815\uc5d0\uc11c \uacf5\uc815\uc131 \ud655\ubcf4<\/h2>\n

\uba87 \uac00\uc9c0 \uc2e4\uc9c8\uc801\uc778 \uc548\uc804\uc7a5\uce58\ub97c \uad6c\ud604\ud558\uba74 \uc54c\uace0\ub9ac\uc998 \uae30\ubc18 \uc2e0\uc6a9 \uc2b9\uc778\uc774 \uc758\ub3c4\uce58 \uc54a\uac8c \ubd88\uacf5\uc815\ud55c \ud3b8\uacac\uc744 \uac15\ud654\ud558\uac70\ub098 \uc2e0\uccad\uc790\uac00 \uac70\uc808 \ud6c4 \ubb34\ub825\ud574\uc9c0\ub294 \uac83\uc744 \ubc29\uc9c0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc6b0\uc120 \ub300\ucd9c\uae30\uad00\uc774 \ub370\uc774\ud130\ub97c \uc5b4\ub5bb\uac8c \uc0ac\uc6a9\ud558\ub294\uc9c0\uc5d0 \ub300\ud55c \uc815\ubcf4 \uacf5\uac1c\ub97c \uc694\uad6c\ud558\uc2ed\uc2dc\uc624. \ub300\ucd9c\uae30\uad00\uc740 \uc5b4\ub5a4 \uc694\uc18c\uac00 \uac00\uc7a5 \uc911\uc694\ud558\uac8c \uace0\ub824\ub418\ub294\uc9c0 \uba85\ud655\ud558\uace0 \uc774\ud574\ud558\uae30 \uc26c\uc6b4 \uc5b8\uc5b4\ub85c \uc124\uba85\ud558\uace0, \uc54c\uace0\ub9ac\uc998 \uc624\ub958 \ubc1c\uc0dd \uc2dc \uad6c\uc81c\ucc45\uc744 \uc81c\uc2dc\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

\uc9c1\uc811 \uc694\uccad\uc744 \ud1b5\ud574 \ud22c\uba85\uc131\uc744 \uba85\ud655\ud788 \ud558\uc138\uc694<\/h3>\n

"\uc81c \uc2e0\uc6a9 \uc2b9\uc778 \uc54c\uace0\ub9ac\uc998\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294 \uc8fc\uc694 \uc694\uc778\uc744 \uc54c\ub824\uc8fc\uc138\uc694."\ub77c\ub294 \ubb38\uad6c\ub97c \uc0ac\uc6a9\ud558\uc138\uc694. \uc5b4\ub5a4 \uc694\uc778\ub4e4\uc774 \ubcf5\ud569\uc801\uc73c\ub85c \uc791\uc6a9\ud558\ub294\uc9c0 \uc54c\uba74 \uc7ac\uc2e0\uccad \uc804\uc5d0 \uc624\ub958\ub97c \uc218\uc815\ud558\uac70\ub098 \ubd80\uc871\ud55c \ubd80\ubd84\uc744 \ubcf4\uc644\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ud22c\uba85\uc131\uc740 \uc790\ub3d9\uc73c\ub85c \ubcf4\uc7a5\ub418\ub294 \uac83\uc774 \uc544\ub2d9\ub2c8\ub2e4. \ub2f5\ubcc0\uc774 \ubaa8\ud638\ud558\uac70\ub098 \ub300\ucd9c \uae30\uad00\uc5d0\uc11c \uc2e0\uc6a9 \uc810\uc218 \uc0b0\uc815 \ubc29\uc2dd\uc744 \uba85\ud655\ud788 \uc124\uba85\ud558\uc9c0 \ubabb\ud558\ub294 \uacbd\uc6b0, \ub2f4\ub2f9\uc790\uc5d0\uac8c \ubb38\uc758\ud558\uac70\ub098 \uad00\ub828 \uc815\ucc45 \ubb38\uc11c\ub97c \uc694\uccad\ud558\uc2ed\uc2dc\uc624.<\/p>\n

    \n
  • \n\uc810\uc218 \ubd84\uc11d \ub0b4\uc5ed\uc744 \uc694\uccad\ud569\ub2c8\ub2e4:<\/b> \uc9c0\ubd88 \uc77c\uad00\uc131, \uc18c\ub4dd \uc218\uc900, \ud604\uc7ac \ubd80\ucc44 \ub4f1 \uc2e0\uc6a9 \uc810\uc218\uc5d0 \uac00\uc7a5 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294 3~5\uac00\uc9c0 \ud56d\ubaa9\uc744 \ub098\uc5f4\ud558\uc138\uc694. \uc774\uc720: \uc5b4\ub5a4 \ubcc0\ud654\uac00 \uc2e0\uc6a9 \uc810\uc218\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294\uc9c0 \uba85\ud655\ud788 \uc54c \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n<\/li>\n
  • \n\ubd88\uc774\uc775 \uc870\uce58 \ud1b5\uc9c0\uc11c\ub97c \uc694\uccad\ud558\uc138\uc694:<\/b> \uac70\ubd80\ub41c \uacbd\uc6b0, \uc5b4\ub5a4 \uc54c\uace0\ub9ac\uc998 \uae30\ubc18 \uc2e0\uc6a9 \uc2b9\uc778 \uc785\ub825\uac12\uc774 \uacb0\uacfc\uc5d0 \uc601\ud5a5\uc744 \ubbf8\ucce4\ub294\uc9c0 \uc790\uc138\ud788 \uc124\uba85\ud558\ub294 \uc11c\uba74 \uc124\uba85\uc744 \uc694\uad6c\ud558\uc2ed\uc2dc\uc624. \ubc29\ubc95: \uc11c\uba74 \uc774\uc758 \uc2e0\uccad \ub610\ub294 \ubd84\uc7c1 \uc81c\uae30 \uc2dc \ud65c\uc6a9\ud558\uc2ed\uc2dc\uc624.\n<\/li>\n
  • \n\ubd80\uc815\ud655\ud55c \ub0b4\uc6a9\uc740 \uc99d\uac70\ub97c \uc81c\uc2dc\ud558\uc5ec \ubc18\ubc15\ud558\uc2ed\uc2dc\uc624.<\/b> \uae09\uc5ec\uba85\uc138\uc11c, \ucc44\ubb34 \ud574\uacb0 \uc99d\uba85\uc11c \ub610\ub294 \uc218\uc815\ub41c \uac1c\uc778 \uc815\ubcf4\ub97c \uc900\ube44\ud558\uc2ed\uc2dc\uc624. \uc774\ub7ec\ud55c \uc11c\ub958\uc640 \ud568\uaed8 \uc218\ub3d9 \uac80\ud1a0\ub97c \uc694\uccad\ud558\ub294 \uc11c\uba74\uc744 \uc81c\ucd9c\ud558\uc2ed\uc2dc\uc624.\n<\/li>\n
  • \n\ub370\uc774\ud130 \ub3d9\uc758 \uc591\uc2dd\uc744 \ud655\uc778\ud558\uc138\uc694:<\/b> \uac1c\uc778\uc815\ubcf4 \ucc98\ub9ac\ubc29\uce68\uc744 \uaf3c\uaf3c\ud788 \uc0b4\ud3b4\ubcf4\uace0 "\ub300\uccb4 \ub370\uc774\ud130" \ub610\ub294 "\uc81c3\uc790 \ubd84\uc11d"\uacfc \uac19\uc740 \ubb38\uad6c\ub97c \ucc3e\uc544\ubcf4\uc138\uc694. \uc560\ud50c\ub9ac\ucf00\uc774\uc158\uc5d0 \ud544\uc218\uc801\uc774\uc9c0 \uc54a\uc740 \ub370\uc774\ud130\uc5d0 \ub300\ud55c \ub3d9\uc758\ub294 \ucca0\ud68c\ud558\uc138\uc694.\n<\/li>\n
  • \n\uac10\ub3c5 \uae30\uad00\uc758 \uc870\uce58\uac00 \ubb34\uc2dc\ub420 \uacbd\uc6b0, \uaddc\uc81c \uae30\uad00\uc5d0 \ubd88\ub9cc\uc744 \uc81c\uae30\ud558\uc2ed\uc2dc\uc624.<\/b> \ud22c\uba85\uc131\uc774 \ubd80\uc871\ud560 \uacbd\uc6b0, \uc18c\ube44\uc790\uae08\uc735\ubcf4\ud638\uad6d(CFPB)\uc774\ub098 \ud574\ub2f9 \uc8fc(\u5dde)\uc758 \uc18c\ube44\uc790 \uad8c\ub9ac \uae30\uad00\uc744 \ud1b5\ud574 \ubb38\uc81c\ub97c \uc81c\uae30\ud558\uc2ed\uc2dc\uc624.\n<\/li>\n<\/ul>\n

    \uad8c\ud55c\uc744 \ubd80\uc5ec\ubc1b\uc740 \uc2e0\uccad\uc790\ub294 \ub2e8\uc21c\ud788 \uacb0\uc815 \ub0b4\uc6a9\ubfd0\ub9cc \uc544\ub2c8\ub77c \uadf8 \uacb0\uc815\uc758 \uadfc\uac70\uac00 \ub418\ub294 \ub17c\ub9ac\uae4c\uc9c0 \uc54c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uc790\ub3d9\ud654 \uc2dc\uc2a4\ud15c\uc5d0 \uae30\uc778\ud55c \uc624\ub958\ub098 \ubd80\ub2f9\ud55c \uac70\uc808\uc5d0 \uc774\uc758\ub97c \uc81c\uae30\ud558\ub294 \ub370 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n

    \ubaa8\ub2c8\ud130 \uc5c5\ub370\uc774\ud2b8 \ubc0f \uc54c\uace0\ub9ac\uc998 \ubcc0\uacbd \uc0ac\ud56d<\/h3>\n

    \uc815\ucc45 \ubcc0\uacbd \uc0ac\ud56d\uc5d0 \uc8fc\uc758\ub97c \uae30\uc6b8\uc774\uc138\uc694. \ub300\ucd9c \uae30\uad00\uc740 \uc54c\uace0\ub9ac\uc998 \uae30\ubc18 \uc2e0\uc6a9 \uc2b9\uc778 \ubaa8\ub378\uc744 \uc790\uc8fc \uc218\uc815\ud558\uba70, \uc694\uad6c \uc0ac\ud56d\uc774\ub098 \uc2e0\uc6a9 \uc790\uaca9 \uae30\uc900\uc774 \ubcc0\uacbd\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

    \uc5c5\ub370\uc774\ud2b8 \uc54c\ub9bc\uc744 \ubc1b\uac70\ub098 \ub300\ucd9c \uae30\uad00\uc5d0 \uc815\uae30\uc801\uc778 \uc815\ubcf4 \uacf5\uac1c\ub97c \uc694\uccad\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc81c\uacf5\uc5c5\uccb4\uac00 \uc0c8\ub85c\uc6b4 \uc18c\uc15c \ubbf8\ub514\uc5b4 \ubd84\uc11d \uae30\ub2a5\uc744 \ud1b5\ud569\ud558\ub294 \uacbd\uc6b0 \ub370\uc774\ud130 \uacf5\uc720\ub97c \uc81c\ud55c\ud558\ub3c4\ub85d \uc124\uc815\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

      \n
    • \n\uc54c\ub9bc \uc218\uc2e0\uc5d0 \ub3d9\uc758\ud558\uc138\uc694:<\/b> \ub300\ucd9c\uae30\uad00 \ub300\uc2dc\ubcf4\ub4dc\ub97c \ud65c\uc6a9\ud558\uc5ec \ubaa8\ub378 \uc5c5\ub370\uc774\ud2b8 \uad00\ub828 \uc18c\uc2dd\uc744 \ubc1b\uc544\ubcf4\uc138\uc694. \uc774\uc720: \uc870\uae30 \uc54c\ub9bc\uc744 \ud1b5\ud574 \ubcc0\uacbd \uc0ac\ud56d\uc774 \uc801\uc6a9\ub418\uae30 \uc804\uc5d0 \uc2e0\uccad \uc804\ub7b5\uc744 \uc870\uc815\ud558\uac70\ub098 \ub370\uc774\ud130 \ud3ec\uc778\ud2b8\ub97c \uac1c\uc120\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n<\/li>\n
    • \n\uaddc\uc81c \uad00\ub828 \ub274\uc2a4 \ud5c8\ube0c\ub97c \uc990\uaca8\ucc3e\uae30\uc5d0 \ucd94\uac00\ud558\uc138\uc694:<\/b> \uc18c\ube44\uc790\uae08\uc735\ubcf4\ud638\uad6d(CFPB)\uacfc \uc5f0\ubc29\uac70\ub798\uc704\uc6d0\ud68c(FTC)\ub294 \ud5c8\uc6a9 \uac00\ub2a5\ud55c \ud540\ud14c\ud06c \uad00\ud589\uc5d0 \ub300\ud55c \ucd5c\uc2e0 \uc815\ubcf4\ub97c \uac8c\uc2dc\ud558\uc5ec \uc54c\uace0\ub9ac\uc998 \uae30\ubc18 \uc2e0\uc6a9 \uc2b9\uc778 \uc2dc\uc2a4\ud15c \uac1c\ubc1c\uc5d0 \ub300\ud55c \ub9e5\ub77d\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.\n<\/li>\n
    • \n\uc5f0\ub840 \uac1c\uc778\uc815\ubcf4 \ubcf4\ud638 \uc5c5\ub370\uc774\ud2b8\ub97c \ud655\uc778\ud558\uc138\uc694:<\/b> \ucd94\uac00\ub418\uac70\ub098 \uc0ad\uc81c\ub41c \ub370\uc774\ud130 \ud56d\ubaa9\uc5d0 \ub300\ud55c \uc804\ub144 \ub300\ube44 \uacf5\uac1c \ub0b4\uc6a9\uc744 \ube44\uad50\ud558\uace0, \uadf8\uc5d0 \ub530\ub77c \ub3d9\uc758 \ub0b4\uc6a9\uc744 \uc870\uc815\ud558\uc2ed\uc2dc\uc624.\n<\/li>\n
    • \n\uc18c\ube44\uc790 \ud3ec\ub7fc\uc5d0 \ucc38\uc5ec\ud558\uc138\uc694:<\/b> \ud540\ud14c\ud06c \ub610\ub294 \uc2e0\uc6a9 \uad00\ub828 \ucee4\ubba4\ub2c8\ud2f0\ub294 \uc2b9\uc778 \ud328\ud134\uc758 \ubcc0\ud654\ub97c \uc885\uc885 \uc54c\ub824\uc90d\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc815\ubcf4\ub97c \ud65c\uc6a9\ud558\uc5ec \uc2e0\uccad \uc2dc\uae30\ub97c \ub354\uc6b1 \ud6a8\uacfc\uc801\uc73c\ub85c \uc870\uc808\ud558\uc138\uc694.\n<\/li>\n
    • \n\uc5f0\ub840 \uc7ac\ud3c9\uac00\ub97c \uc900\ube44\ud558\uc138\uc694:<\/b> \ubcf8\uc778\uc758 \uc2e0\uc6a9 \ub370\uc774\ud130\ub97c \uac80\ud1a0\ud558\uace0 \ub9e4\ub144 \uc694\uc57d \ubcf4\uace0\uc11c\ub97c \uc694\uccad\ud558\uc5ec \uc2b9\uc778\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294 \uc8fc\uae30\uc801\uc778 \uc54c\uace0\ub9ac\uc998 \ubcc0\uacbd \uc0ac\ud56d\uc5d0 \ub300\ube44\ud558\uc2ed\uc2dc\uc624.\n<\/li>\n<\/ul>\n

      \uc54c\uace0\ub9ac\uc998 \ubcc0\uacbd \uc0ac\ud56d\uc744 \uc9c0\uc18d\uc801\uc73c\ub85c \ubaa8\ub2c8\ud130\ub9c1\ud558\uba74 \ud5a5\ud6c4 \uc560\ud50c\ub9ac\ucf00\uc774\uc158\uc774 \uc2dc\ub300\uc5d0 \ub4a4\ub5a8\uc5b4\uc9c4 \uac00\uc815\uc774\ub098 \uc624\ub798\ub41c \ub370\uc774\ud130\uac00 \uc544\ub2cc \ucd5c\uc2e0 \ub300\ucd9c \uae30\uad00 \uc815\ucc45\uc744 \ubc18\uc601\ud558\ub3c4\ub85d \ubcf4\uc7a5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

      \uc54c\uace0\ub9ac\uc998 \uc18d \uc77c\uc0c1\uc801\uc778 \ud3b8\ud5a5: \uc608\uce21 \uac00\ub2a5\ud55c \ud568\uc815\uc744 \ubc1c\uacac\ud558\uace0 \ubc97\uc5b4\ub098\uae30<\/h2>\n

      \ub208\uc5d0 \uc798 \ub744\uc9c0 \uc54a\ub294 \ud3b8\uacac\uc744 \uac10\uc9c0\ud558\ub294 \uac83\uc740 \uc2e0\uccad\uc790, \uc639\ud638\uc790 \ubc0f \ub300\ucd9c \uae30\uad00\uc774 \uc54c\uace0\ub9ac\uc998 \uae30\ubc18 \uc2e0\uc6a9 \uc2b9\uc778\uc758 \uacf5\uc815\uc131\uc744 \uac1c\uc120\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4. \ud3b8\uacac\uc740 \ubc29\ub300\ud55c \ub370\uc774\ud130 \uc120\ud0dd, \uacfc\uac70 \ud328\ud134 \ub610\ub294 \uacb0\ud568 \uc788\ub294 \uc131\uacfc \uae30\uc900\uc744 \ud1b5\ud574 \uc740\ubc00\ud558\uac8c \ubc1c\uc0dd\ud569\ub2c8\ub2e4.<\/p>\n

      \uc54c\uace0\ub9ac\uc998\uc740 \ud559\uc2b5 \ub370\uc774\ud130\ub97c \uadf8\ub300\ub85c \ubc18\uc601\ud569\ub2c8\ub2e4. \uc6b0\ud3b8\ubc88\ud638, \uace0\uc6a9\uc8fc \ub610\ub294 \uad50\uc721 \uc218\uc900\uc5d0 \ub530\ub978 \uacfc\uac70\uc758 \ucc28\ubcc4\uc740 \uc81c\ub300\ub85c \uac80\uc99d\ub418\uc9c0 \uc54a\uc73c\uba74 \ucf54\ub4dc\uc5d0 \uadf8\ub300\ub85c \ub0a8\uc544\uc788\uc2b5\ub2c8\ub2e4. \uc724\ub9ac \uc2ec\uc0ac \uc704\uc6d0\ud68c\ub294 \uc774\ub7ec\ud55c \uc601\ud5a5\uc744 \uac80\ud1a0\ud558\uc9c0\ub9cc, \uc9c0\uc6d0\uc790 \ub610\ud55c \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4.<\/p>\n

      \uc778\uad6c\ud1b5\uacc4\ud559\uc801 \ud3b8\ud5a5\uc744 \ubc1c\uacac\ud558\uace0 \ub300\ucc98\ud558\ub294 \ubc29\ubc95<\/h3>\n

      \ub300\ucd9c \uae30\uad00\uc740 \ubc95\ub960\uc0c1 \uc5c4\uaca9\ud788 \uc694\uad6c\ub418\ub294 \uacbd\uc6b0\uac00 \uc544\ub2c8\uba74 \uc778\uc885, \uc131\ubcc4 \ub610\ub294 \uc6b0\ud3b8\ubc88\ud638\uc640 \uac19\uc740 \uc778\uad6c \ud1b5\uacc4\ud559\uc801 \uc694\uc18c\ub97c \uace0\ub824\ud574\uc11c\ub294 \uc548 \ub429\ub2c8\ub2e4. \uc7ac\ubb34 \uc0c1\ud0dc\uac00 \uc591\ud638\ud55c\ub370\ub3c4 \ubc18\ubcf5\uc801\uc73c\ub85c \ub300\ucd9c\uc774 \uac70\uc808\ub41c\ub2e4\uba74, \uc758\uc2ec\uc2a4\ub7ec\uc6b4 \uc694\uc18c\uac00 \uc788\ub294\uc9c0 \uc11c\ub958\ub97c \uaf3c\uaf3c\ud788 \uac80\ud1a0\ud558\uc2ed\uc2dc\uc624.<\/p>\n

      \ub2e4\uc74c\uacfc \uac19\uc774 \ud574\ubcf4\uc138\uc694. "\ubcf4\ud638 \ub300\uc0c1 \ub370\uc774\ud130\uac00 \uc81c \uc54c\uace0\ub9ac\uc998 \uae30\ubc18 \uc2e0\uc6a9 \uc2b9\uc778\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce58\uc9c0 \uc54a\uc558\uc74c\uc744 \ud655\uc778\ud574 \uc8fc\uc2ed\uc2dc\uc624." \ub2f5\ubcc0\uc744 \uae30\ub85d\ud558\uace0, \ub2f5\ubcc0\uc774 \ubd88\ubd84\uba85\ud55c \uacbd\uc6b0 \uaddc\uc815 \uc900\uc218 \ud300\uc5d0 \uac80\ud1a0\ub97c \uc694\uccad\ud558\uc138\uc694.<\/p>\n

      \ub300\ucd9c\uae30\uad00\uacfc \uc785\ubc95\uc790\ub4e4\uc774 \uc54c\uace0\ub9ac\uc998\uc758 \uacf5\uc815\uc131\uc744 \uba74\ubc00\ud788 \uac80\ud1a0\ud558\ub3c4\ub85d \uc555\ub825\uc744 \uac00\ud558\ub294 \ud65c\ub3d9\uc744 \uc9c0\uc9c0\ud558\uace0, \uc2b9\uc778 \uacfc\uc815\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce58\uae30 \uc804\uc5d0 \ub0b4\uc7ac\ub41c \ud3b8\uacac\uc744 \uac10\uc9c0\ud558\uace0 \uc81c\uac70\ud558\ub294 \uac10\uc0ac\ub97c \uc694\uad6c\ud558\uc2ed\uc2dc\uc624.<\/p>\n

      \uc778\uac04\uc758 \uac10\ub3c5\uc744 \ud1b5\ud55c \uc54c\uace0\ub9ac\uc998 \uac10\uc0ac<\/h3>\n

      \ubaa8\ub4e0 \uc54c\uace0\ub9ac\uc998 \uc2dc\uc2a4\ud15c\uc740 \uc815\uae30\uc801\uc778 \uc0ac\ub78c\uc758 \uac80\ud1a0\ub97c \uac70\uccd0\uc57c \ud569\ub2c8\ub2e4. \uc0ac\ub78c\uc740 \uae30\uacc4\uac00 \ub193\uce58\ub294 \ud328\ud134, \uc608\ub97c \ub4e4\uc5b4 "\uc678\uad6d \uc774\ub984\uc744 \uac00\uc9c4 \uc9c0\uc6d0\uc790\ub098 \ube44\uc804\ud1b5\uc801\uc778 \uacbd\ub825\uc744 \uac00\uc9c4 \uc9c0\uc6d0\uc790\uc5d0\uac8c \uacfc\ub3c4\ud55c \ubd88\uc774\uc775\uc744 \uc8fc\ub294 \uacbd\uc6b0" \ub4f1\uc744 \ubc1c\uacac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub300\ucd9c \uae30\uad00\uc5d0 "\uc54c\uace0\ub9ac\uc998 \uae30\ubc18 \uc2e0\uc6a9 \uc2b9\uc778\uc5d0 \ub300\ud55c \uc0ac\ub78c \uac80\ud1a0\ub97c \uc694\uccad\ud569\ub2c8\ub2e4"\ub77c\uace0 \ubb38\uc758\ud574 \ubcf4\uc138\uc694. <\/p>\n

      \ub2e4\uc74c\uacfc \uac19\uc740 \uc9c8\ubb38\uc744 \ub358\uc838\ubcf4\uc138\uc694. \uc2dc\uc2a4\ud15c\uc774 \ud504\ub9ac\ub79c\uc11c\ub098 \uc2e0\uaddc \uc774\ubbfc\uc790 \uac19\uc740 \ud2b9\uc774 \uc2e0\uccad\uc790\uc5d0 \ub300\ud574 \uc218\ub3d9 \uac80\ud1a0\ub97c \uc9c4\ud589\ud588\uc2b5\ub2c8\uae4c? \ub300\ucd9c \uae30\uad00\uc740 \uc790\ub3d9\ud654 \uc2dc\uc2a4\ud15c\uc758 \uc0ac\uac01\uc9c0\ub300\ub85c \uc778\ud574 \ud53c\ud574\ub97c \uc785\uc744 \uc218 \uc788\ub294 \ubaa8\ub4e0 \uc0ac\ub78c\uc5d0\uac8c \uad6c\uc81c\ucc45\uc744 \ubcf4\uc7a5\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

      \uac10\uc0ac \uacb0\uacfc \uacf5\uac1c\ub97c \ucd09\uad6c\ud558\uc2ed\uc2dc\uc624. \ucc45\uc784\uac10 \uc788\ub294 \ub300\ucd9c \uae30\uad00\uc740 \uc2b9\uc778 \ubc0f \uac70\uc808\ub41c \uc2e0\uccad\uc790\uc758 \uc778\uad6c \ud1b5\uacc4\ub97c \ubcf4\uc5ec\uc8fc\ub294 \uc5f0\ub840 \uacf5\uc815\uc131 \ubcf4\uace0\uc11c\ub97c \ubc1c\ud45c\ud569\ub2c8\ub2e4. \uc774\ub294 \uc724\ub9ac\uc801 \uc57d\uc18d \uc774\ud589\uc758 \uc9c0\ud45c\uc785\ub2c8\ub2e4.<\/p>\n

      \ud22c\uba85\uc131\uc744 \uc2e4\uc9c8\uc801\uc778 \uc131\uacfc\uc640 \uc5f0\uacb0\ud558\uae30: \ub300\ucd9c\uae30\uad00\uc758 \ucc45\uc784 \uac15\ud654<\/h2>\n

      \uba85\ud655\ud558\uace0 \uc774\ud574\ud558\uae30 \uc26c\uc6b4 \uc124\uba85\uc744 \uc694\uad6c\ud558\ub294 \uac83\uc740 \ub300\ucd9c \uae30\uad00\uc774 \uc54c\uace0\ub9ac\uc998 \uae30\ubc18 \uc2e0\uc6a9 \uc2b9\uc778\uc5d0\uc11c \ub354 \ub192\uc740 \uc724\ub9ac\uc801 \uae30\uc900\uc744 \ucda9\uc871\ud558\ub3c4\ub85d \uac15\uc81c\ud569\ub2c8\ub2e4. \uba85\ud655\uc131\uc740 \ub2e8\uc21c\ud55c \uae30\uc220\uc801 \ud2b9\uc9d5\uc774 \uc544\ub2c8\ub77c \ubc95\uc801 \ud6a8\ub825\uc744 \uc9c0\ub2cc \uc18c\ube44\uc790 \uad8c\ub9ac\uc785\ub2c8\ub2e4.<\/p>\n

      \uc11c\uba74 \uc124\uba85\uc740 \ubd88\ud22c\uba85\ud55c \uae30\uc220\uacfc \uc2e4\uc81c \uc0c1\ud669 \uc0ac\uc774\uc758 \uac04\uadf9\uc744 \uba54\uc6cc\uc90d\ub2c8\ub2e4. \ub300\ucd9c \uae30\uad00\uc774 "\ub300\ucd9c \uc2e0\uccad\uc774 \uac70\uc808\ub41c \uc694\uc778"\uc744 \uc790\uc138\ud788 \uc124\uba85\ud558\uba74, \uc2e0\uccad\uc790\ub294 \uc2e0\uccad\uc11c\ub97c \uc218\uc815\ud558\uac70\ub098, \uc774\uc758\ub97c \uc81c\uae30\ud558\uac70\ub098, \uc804\ub7b5\uc801\uc73c\ub85c \ub2e4\ub978 \ubc29\ubc95\uc744 \ubaa8\uc0c9\ud560 \uc218 \uc788\ub294 \ud798\uc744 \uc5bb\uac8c \ub429\ub2c8\ub2e4.<\/p>\n

      \uc608\uc2dc \uc2dc\ub098\ub9ac\uc624: \uc2e0\uccad\uc790\uac00 \ud63c\ub780\uc2a4\ub7ec\uc6b4 \uac70\uc808 \ud1b5\ubcf4\ub97c \ubc1b\uc74c<\/h3>\n

      \ud504\ub9ac\ub79c\uc11c\uc778 \uc81c\uc778\uc740 \uc790\ub3d9\ucc28 \ub300\ucd9c\uc744 \uc2e0\uccad\ud588\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc54c\uace0\ub9ac\uc998\uc740 \ubd88\uaddc\uce59\ud55c \uc18c\ub4dd\uacfc \ud655\uc778\ub418\uc9c0 \uc54a\uc740 \uc8fc\uc18c\ub97c \uc774\uc720\ub85c \uadf8\ub140\uc758 \ub300\ucd9c \uc2e0\uccad\uc744 \uac70\ubd80\ud588\uc2b5\ub2c8\ub2e4. \uc774\uc5d0 \uc81c\uc778\uc740 \uc11c\uba74\uc73c\ub85c "\uc54c\uace0\ub9ac\uc998 \uae30\ubc18 \uc2e0\uc6a9 \uc2b9\uc778\uc5d0 \uc788\uc5b4 \uc81c \uc18c\ub4dd \uac00\uc911\uce58\uc640 \uc8fc\uc18c\uac00 \ubbf8\uce58\ub294 \uc601\ud5a5\uc744 \ud655\uc778\ud574 \uc8fc\uc138\uc694"\ub77c\uace0 \ub2f5\ubcc0\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n

      \ub300\ucd9c \uae30\uad00 \uce21\uc740 \ubd88\uaddc\uce59\uc801\uc778 \uc9c0\ubd88\uacfc \ubd88\uc548\uc815\ud55c \uc5f0\ub77d\ucc98 \uc815\ubcf4\ub85c \uc778\ud574 \uadf8\ub140\uc758 \uc2e0\uc6a9 \uc810\uc218\uac00 \ubbf8\ub9ac \uc815\ud574\uc9c4 \uae30\uc900\uce58 \uc774\ud558\ub85c \ub5a8\uc5b4\uc84c\ub2e4\uace0 \uc124\uba85\ud588\uc2b5\ub2c8\ub2e4. \uc81c\uc778\uc740 \uc740\ud589 \uac70\ub798 \ub0b4\uc5ed\uc11c\uc640 \ucd5c\uc2e0 \uc784\ub300 \uacc4\uc57d\uc11c\ub97c \uc81c\ucd9c\ud588\uace0, \uadf8 \uacb0\uacfc \ub2e4\uc74c \ub300\ucd9c \uc2e0\uccad\uc5d0\uc11c \uc2e0\uc6a9 \uc810\uc218\uac00 \ud5a5\uc0c1\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n

      \uc870\uce58 \uc0ac\ud56d: \uc54c\uace0\ub9ac\uc998\uc5d0 \uc758\ud55c \uc2e0\uc6a9 \uc2b9\uc778 \uac70\ubd80 \ud6c4\uc5d0\ub294 \ud56d\uc0c1 \uac70\ubd80 \uc0ac\uc720\uc5d0 \ub300\ud55c \uc0c1\uc138 \ub0b4\uc5ed\uc744 \uc694\uccad\ud558\uace0, \uac01 \uc0ac\ud56d\uc5d0 \ub300\ud574 \uc99d\uac70\ub97c \uc81c\uc2dc\ud558\uc5ec \uc218\ub3d9 \uac80\ud1a0\ub97c \uc694\uccad\ud558\uc2ed\uc2dc\uc624. \uacb0\uc815\uc774 \ucd5c\uc885\uc801\uc774\uac70\ub098 \uc21c\uc804\ud788 \uac1d\uad00\uc801\uc774\ub77c\uace0 \uac00\uc815\ud558\uc9c0 \ub9c8\uc2ed\uc2dc\uc624.<\/p>\n

      \uc815\ucc45 \uacf5\uac1c \ubc0f \uc18c\ube44\uc790 \uc639\ud638<\/h3>\n

      \ub300\ucd9c\uae30\uad00\uc740 \uc758\uc0ac \uacb0\uc815 \uacfc\uc815\uc744 \uc774\ud574\ud558\uae30 \uc26c\uc6b4 \uc5b8\uc5b4\ub85c \uc124\uba85\ud574\uc57c \ud569\ub2c8\ub2e4. \ub85c\ube44 \ub2e8\uccb4\ub4e4\uc740 \uc5f0\uac04 \uc694\uc57d \uc815\ubcf4 \uacf5\uac1c\ub97c \uc758\ubb34\ud654\ud558\ub294 \ubc95\ub960 \uc81c\uc815\uc744 \ucd09\uad6c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc790\ub8cc\ub4e4\uc744 \ud65c\uc6a9\ud558\uc5ec \ub300\ucd9c \uc2e0\uccad \uc804\uc5d0 \uac01 \ub300\ucd9c\uae30\uad00\uc5d0 \ud544\uc694\ud55c \uc9c8\ubb38\ub4e4\uc744 \ubbf8\ub9ac \uc900\ube44\ud558\uc138\uc694.<\/p>\n

      \uacf5\uac1c\ub41c \uc54c\uace0\ub9ac\uc998 \uae30\ubc18 \uc2e0\uc6a9 \uc2b9\uc778 \ubcf4\uace0\uc11c\ub97c \uc77d\ub294 \uc2e0\uccad\uc790\ub294 \uae08\uc735\uae30\uad00\uc774 \uc704\ud5d8\uc744 \ud3c9\uac00\ud558\uace0, \ubcc0\ud654\ud558\ub294 \uc2b9\uc778 \ud328\ud134\uc744 \ud30c\uc545\ud558\uba70, \uc0c8\ub85c\uc6b4 \uc694\uad6c \uc0ac\ud56d\uc744 \uc608\uce21\ud558\ub294 \ubc29\ubc95\uc744 \uc54c\uac8c \ub418\uc5b4 \ub2e4\uc74c\ubc88 \uc2e0\uc6a9 \uc2e0\uccad \uc2dc \uc2b9\uc778 \uac00\ub2a5\uc131\uc744 \ub192\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

      "\uc54c\uace0\ub9ac\uc998 \uae30\ubc18 \uc2e0\uc6a9 \uc2b9\uc778\uc5d0 \uc788\uc5b4 \ube44\uc804\ud1b5\uc801\uc778 \ub370\uc774\ud130 \uc0ac\uc6a9\uacfc \uad00\ub828\ud558\uc5ec \ud3c9\ub4f1 \uc2e0\uc6a9 \uae30\ud68c\ubc95\uc5d0 \ub530\ub978 \ubb38\uc11c \uc81c\ucd9c\uc744 \uc694\uccad\ud569\ub2c8\ub2e4."\uc640 \uac19\uc740 \ubc95\ub960 \uc6a9\uc5b4\ub97c \ud65c\uc6a9\ud558\uc138\uc694. \uc774\ub7ec\ud55c \ubb38\uad6c\ub294 \uaddc\uc815 \uc900\uc218 \uac80\ud1a0\ub97c \uc720\ub3c4\ud558\uace0 \ubaa8\ub4e0 \uc2e0\uccad\uc790\uc5d0\uac8c \uc644\uc804\ud55c \ud22c\uba85\uc131\uc744 \uc2e0\uc18d\ud558\uac8c \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n

      \uc77c\uad00\ub41c \uaddc\uce59\uacfc \uc0ac\ub78c\uc758 \uc7ac\ub7c9\uad8c \ud589\uc0ac: \ubd80\ub2f9\ud55c \uc790\ub3d9 \uc7a0\uae08 \ubc29\uc9c0<\/h2>\n

      \uc608\uc678 \ucc98\ub9ac \uc808\ucc28\ub97c \ud3ec\ud568\ud55c \uc2e0\uc6a9 \uc2dc\uc2a4\ud15c\uc744 \uc124\uacc4\ud558\uba74 \uacbd\uc9c1\ub41c \uc790\ub3d9\ud654 \uc2dc\uc2a4\ud15c\uc774 \uc2e4\uc81c \uc0ac\ub78c\ub4e4\uc5d0\uac8c \ud53c\ud574\ub97c \uc8fc\ub294 \uac83\uc744 \ubc29\uc9c0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub300\ucd9c \uae30\uad00\uc740 \ud22c\uba85\ud55c \uc608\uc678 \ucc98\ub9ac \ud504\ub85c\ud1a0\ucf5c\uc744 \uad6c\ucd95\ud558\uc5ec \ud2b9\uc218\ud55c \uc0c1\ud669\uc774\ub098 \uba85\ubc31\ud55c \ubd88\uacf5\uc815 \ud589\uc704\uc5d0 \ub300\ud574 \uc0ac\ub78c\uc758 \uac1c\uc785\uc744 \uc720\ub3c4\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

      \uc77c\ubd80 \uae30\uc5c5\uc740 "\uc7ac\uc2ec\uc0ac" \ud504\ub85c\uadf8\ub7a8\uc744 \ub3c4\uc785\ud569\ub2c8\ub2e4. \uc774 \ud504\ub85c\uadf8\ub7a8\uc740 \uc9c0\uc6d0\uc790\uc758 \uc9c4\uc220\uacfc \uc54c\uace0\ub9ac\uc998\uc5d0 \uc758\ud55c \uc2e0\uc6a9 \uc2b9\uc778 \ubb38\uc81c\uac00 \uc0c1\ucda9\ub420 \uacbd\uc6b0 \uac70\uc808 \uc0ac\uc720\ub97c \ud45c\uc2dc\ud558\uace0, \uc9c0\uc6d0\uc790\uac00 \ucd94\uac00 \uc815\ubcf4\ub97c \uc81c\uacf5\ud558\uac70\ub098 \uc9c8\ubcd1\uc73c\ub85c \uc778\ud55c \uc5b4\ub824\uc6c0\uc774\ub098 \uacbd\ub825 \ub2e8\uc808\uacfc \uac19\uc740 \uc0dd\ud65c \ub9e5\ub77d\uc744 \uc124\uba85\ud560 \uc218 \uc788\ub3c4\ub85d \ud569\ub2c8\ub2e4.<\/p>\n

      \uccb4\ud06c\ub9ac\uc2a4\ud2b8 \uc2a4\ud06c\ub9bd\ud2b8: \ub9e4\ub274\uc5bc \uac80\ud1a0 \uc548\ub0b4<\/h3>\n

      \ub300\ucd9c \uc774\uc758\uc2e0\uccad\uc11c\uc5d0 \ub2e4\uc74c\uacfc \uac19\uc740 \uac04\ub2e8\ud55c \ubb38\uad6c\ub97c \ucca8\ubd80\ud558\uc138\uc694. "\ud2b9\ubcc4\ud55c \uc0ac\uc815\uc73c\ub85c \uc778\ud574 \uc54c\uace0\ub9ac\uc998\uc5d0 \uc758\ud55c \uc2e0\uc6a9 \uc2b9\uc778 \uacb0\uacfc\uc5d0 \ub300\ud55c \uc218\ub3d9 \uac80\ud1a0\ub97c \uc694\uccad\ud569\ub2c8\ub2e4." \uc0ac\uc2e4 \uad00\uacc4\ub97c \uac04\uacb0\ud558\uac8c \uba85\uc2dc\ud558\uc138\uc694. \uc608\ub97c \ub4e4\uc5b4, "\uc9c0\ub09c\ub2ec \uc77c\uc2dc \ud574\uace0\uac00 \uc885\ub8cc\ub418\uc5b4 \uc18c\ub4dd\uc774 \ud68c\ubcf5\ub418\uc5c8\uc2b5\ub2c8\ub2e4."<\/p>\n

      \ub048\uae30\uac00 \uc911\uc694\ud569\ub2c8\ub2e4. \ub2f4\ub2f9\uc790\uac00 \uc694\uccad\uc744 \ubb34\uc2dc\ud558\uba74 \uad00\ub9ac\uc790\uc5d0\uac8c \ubcf4\uace0\ud558\uace0 \uad00\ub828 \uc11c\ub958\ub97c \ub2e4\uc2dc \uc81c\ucd9c\ud558\uc2ed\uc2dc\uc624. \ubaa8\ub4e0 \uacfc\uc815\uc744 \uae30\ub85d\ud558\uace0 \ub2f5\ubcc0 \uc608\uc815\uc77c\uc744 \uc11c\uba74\uc73c\ub85c \uc694\uccad\ud558\uc5ec \uc2e0\uccad \uad8c\ub9ac\ub97c \ubcf4\ud638\ud558\uc2ed\uc2dc\uc624.<\/p>\n

      \ub300\ucd9c \ub2f4\ub2f9\uc790\uac00 \uc9c1\ubb34 \ubcc0\ub3d9, \uc790\uc5f0\uc7ac\ud574, \uac04\ubcd1 \uacf5\ubc31\uacfc \uac19\uc740 \uc0c1\ud669\uc801 \ub9e5\ub77d\uc744 \uc778\uc2dd\ud558\ub3c4\ub85d \uad50\uc721\ud560 \ub54c, \uc0ac\ub78c\uc758 \uac1c\uc785\uc744 \ud1b5\ud55c \ubb38\uc81c \ud574\uacb0 \ud504\ub85c\uadf8\ub7a8\uc774 \uac00\uc7a5 \ud6a8\uacfc\uc801\uc73c\ub85c \uc791\ub3d9\ud569\ub2c8\ub2e4. \uc54c\uace0\ub9ac\uc998\ub9cc\uc73c\ub85c\ub294 \ubaa8\ub4e0 \uc0c1\ud669\uc744 \ud574\uc11d\ud560 \uc218 \uc5c6\uc73c\ubbc0\ub85c, \uc798 \uc124\uacc4\ub41c \uc2dc\uc2a4\ud15c\uc740 \uc774\ub7ec\ud55c \uc911\uc694\ud55c \ub2e8\uacc4\ub97c \ud3ec\ud568\ud569\ub2c8\ub2e4.<\/p>\n

      \ube44\uc720\uc640 \uc77c\uc0c1\uc801\uc778 \uc608\uc2dc<\/h3>\n

      \uc54c\uace0\ub9ac\uc998 \uae30\ubc18 \uc2e0\uc6a9 \uc2b9\uc778 \uc2dc\uc2a4\ud15c\uc744 \ud68c\uc804\uc2dd \uac1c\ucc30\uad6c\uc5d0 \ube44\uc720\ud574 \ubcf4\uc138\uc694. \ud6a8\uc728\uc801\uc774\uc9c0\ub9cc, \ub54c\ub85c\ub294 \ub9c9\ud78c \uc0ac\ub78c\ub4e4\uc744 \uc704\ud574 \ubb38\uc744 \uc5f4\uc5b4\uc904 \ubb38\uc9c0\uae30\uac00 \ud544\uc694\ud569\ub2c8\ub2e4. \ucf58\uc11c\ud2b8 \ud2f0\ucf13 \uc2a4\uce94\uc774 \uc548 \ub420 \ub54c \uc9c1\uc6d0\uc774 \ub3c4\uc640\uc8fc\ub294 \uac83\ucc98\ub7fc, \uc0ac\ub78c\uc758 \uac80\ud1a0\ub97c \ud1b5\ud574 \uc790\uaca9 \uc788\ub294 \uc2e0\uccad\uc790\ub4e4\uc774 \ubb38\uc744 \uc5f4 \uc218 \uc788\uac8c \ub418\ub294 \uac83\uc785\ub2c8\ub2e4.<\/p>\n

      \uc774 \ud504\ub85c\uc138\uc2a4\ub294 \ucf54\ub4dc\ubfd0 \uc544\ub2c8\ub77c \uc0ac\ub78c\uc5d0\uac8c\ub3c4 \uc81c\uc5b4\uad8c\uc744 \ub418\ub3cc\ub824\uc90d\ub2c8\ub2e4. \uc9c1\uc6d0\ub4e4\uc758 \uc8fc\uc758\ub97c \uc9d1\uc911\uc2dc\ud0a4\uace0 \ud63c\ub780\uc744 \ubc29\uc9c0\ud558\uae30 \uc704\ud574 \uc9c1\uc811\uc801\uc778 \ud45c\ud604\uc744 \uc0ac\uc6a9\ud558\uc138\uc694. \uc608\ub97c \ub4e4\uc5b4, "\uc774\uc804 \ubb38\uc81c\ub294 \ud574\uacb0\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc0c8 \ubb38\uc11c\ub97c \uac80\ud1a0\ud558\uc2dc\uace0 \uc2b9\uc778\ud574 \uc8fc\uc138\uc694."\uc640 \uac19\uc774 \ub9d0\uc785\ub2c8\ub2e4. <\/p>\n

      \uc54c\uace0\ub9ac\uc998\uc740 \uc758\uc0ac\uacb0\uc815\uc744 \uac04\uc18c\ud654\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub418\uc9c0\ub9cc, \uc218\ub3d9 \uac80\ud1a0\uc640 \uac1c\ubc29\ud615 \ucc44\ub110\uc744 \ud65c\uc6a9\ud558\uba74 \uae30\uc220\uc774 \ub3c4\uad6c\uc77c \ubfd0, \uc778\uc0dd\uc744 \ubc14\uafc0 \ub9cc\ud55c \uc7ac\uc815\uc801 \uacb0\uacfc\ub97c \uac00\uc838\uc624\ub294 \ucd5c\uc885\uc801\uc778 \ud574\uacb0\ucc45\uc774 \ub420 \uc218 \uc5c6\ub2e4\ub294 \uac83\uc744 \ubcf4\uc7a5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

      \uc9c0\uc18d\uc801\uc778 \uac1c\uc120: \ubbf8\ub798\uc758 \ub300\ucd9c\uc790\ub97c \uc704\ud55c \ub354\uc6b1 \uacf5\uc815\ud55c \uc54c\uace0\ub9ac\uc998 \uad6c\ucd95<\/h2>\n

      \uc9c4\uc815\uc73c\ub85c \uc724\ub9ac\uc801\uc778 \uc54c\uace0\ub9ac\uc998 \uae30\ubc18 \uc2e0\uc6a9 \uc2b9\uc778 \uc2dc\uc2a4\ud15c\uc744 \uc720\uc9c0\ud558\ub824\uba74 \uc77c\ud68c\uc131 \ud574\uacb0\ucc45\uc73c\ub85c\ub294 \ubd80\uc871\ud569\ub2c8\ub2e4. \ub300\ucd9c \uae30\uad00, \uc639\ud638 \ub2e8\uccb4 \ubc0f \uaddc\uc81c \uae30\uad00\uc740 \uc8fc\uae30\uc801\uc778 \uac10\uc0ac, \uc7ac\uad50\uc721 \ubc0f \ub370\uc774\ud130 \uc815\uc758 \uc5c5\ub370\uc774\ud2b8\uc5d0 \uc804\ub150\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

      \ubd84\uae30\ubcc4 \ub610\ub294 \uc5f0\uac04 \uacf5\uc815\uc131 \uac80\ud1a0\ub97c \ub3c4\uc785\ud55c \uae30\uc5c5\uc740 \ubcc0\ud654\ud558\ub294 \ud328\ud134\uc744 \uac10\uc9c0\ud558\uc5ec \uc0c8\ub85c\uc6b4 \ud3b8\uacac\uc774 \uc2dc\uc2a4\ud15c \uc804\ubc18\uc73c\ub85c \ud655\uc0b0\ub418\uae30 \uc804\uc5d0 \uc774\ub97c \ud3ec\ucc29\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub178\ub825\uc740 \uacbd\uc81c \uc0c1\ud669\uacfc \uace0\uac1d \ud504\ub85c\ud544\uc774 \ubcc0\ud654\ud568\uc5d0 \ub530\ub77c \uacb0\uacfc\uc758 \uacf5\uc815\uc131\uc744 \uc720\uc9c0\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n

      \uc9c0\uc18d\uc801\uc778 \ud53c\ub4dc\ubc31 \ub8e8\ud504\ub294 \uc911\uc694\ud569\ub2c8\ub2e4<\/h3>\n

      \ub300\ucd9c\uc790\ub294 \ubd88\ub9ac\ud55c \uc870\uce58 \ubc0f \uc124\uba85 \uc5c6\ub294 \uac70\uc808\uc5d0 \ub300\ud55c \ud53c\ub4dc\ubc31\uc744 \uc81c\ucd9c\ud568\uc73c\ub85c\uc368 \uc724\ub9ac\uc801 \uad00\ud589\uc744 \uac1c\uc120\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub300\ucd9c \uae30\uad00\uc740 \uc774\ub7ec\ud55c \ud53c\ub4dc\ubc31\uc744 \uc218\uc9d1 \ubc0f \ubd84\uc11d\ud558\uc5ec \ubc18\ubcf5\uc801\uc73c\ub85c \ubc1c\uc0dd\ud558\ub294 \ubb38\uc81c\uc810\uc744 \ud30c\uc545\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

      \uac1c\uc120 \uc0ac\ub840 \ud558\ub098\ub97c \uc18c\uac1c\ud558\uc790\uba74, \ud55c \ub300\ucd9c \uae30\uad00\uc740 "\ubbf8\ud63c\ubaa8"\uac00 \ub2e4\ub978 \uadf8\ub8f9\uc5d0 \ube44\ud574 \ub300\ucd9c \uac70\uc808\ub960\uc774 \ud6e8\uc52c \ub192\ub2e4\ub294 \uc0ac\uc2e4\uc744 \ubc1c\uacac\ud558\uace0 \uc591\uc721 \uc0c1\ud0dc \ud310\ub2e8 \ub17c\ub9ac\ub97c \uc218\uc815\ud588\uc2b5\ub2c8\ub2e4. \uc218\uc815 \ud6c4 \uc2b9\uc778\ub960\uc774 \uc0c1\uc2b9\ud558\uc5ec \uc989\uac01\uc801\uc778 \ud6a8\uacfc\ub97c \ubcf4\uc5ec\uc8fc\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n

      \ubd88\ub9cc, \uc81c\uc548, \uc77c\uc0c1 \uc774\uc57c\uae30\ub97c \uc790\uc720\ub86d\uac8c \ub098\ub20c \uc218 \uc788\ub294 \uc5f4\ub9b0 \uc18c\ud1b5 \ucc44\ub110\uc744 \uc7a5\ub824\ud558\ub294 \uac83\uc740 \ubbf8\ub798\uc758 \uc54c\uace0\ub9ac\uc998 \uae30\ubc18 \uc2e0\uc6a9 \uc2b9\uc778\uc774 \uc815\ud655\ud560 \ubfd0\ub9cc \uc544\ub2c8\ub77c, \uc774\uc6a9\uc790\uc758 \uc694\uad6c\uc5d0 \uc801\uadf9\uc801\uc73c\ub85c \ubd80\uc751\ud558\ub3c4\ub85d \ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n

      \ud06c\ub77c\uc6b0\ub4dc\uc18c\uc2f1 \uae30\ubc18 \ud22c\uba85\uc131 \ubc0f \uacf5\uac1c \ub370\uc774\ud130 \uc138\ud2b8<\/h3>\n

      \ud540\ud14c\ud06c \uae30\uc5c5\uacfc \uc18c\ube44\uc790 \ub2e8\uccb4\uac00 \ud611\ub825\ud558\uc5ec \uc775\uba85\ud654\ub41c \ub370\uc774\ud130 \uc138\ud2b8\ub97c \uacf5\uc720\ud568\uc73c\ub85c\uc368 \uacf5\uc801 \uac10\uc2dc\ub97c \uac15\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc2e0\uc6a9 \ub370\uc774\ud130 \uc0cc\ub4dc\ubc15\uc2a4\uc640 \uac19\uc740 \uc0c8\ub85c\uc6b4 \ub3c4\uad6c\ub97c \ud1b5\ud574 \uc724\ub9ac \uc5f0\uad6c\uc6d0\ub4e4\uc740 \ucc28\ubcc4 \uc5ec\ubd80\ub97c \uac10\uc0ac\ud558\uace0 \uc2e4\uc9c8\uc801\uc778 \uac1c\uc120 \ubc29\uc548\uc744 \uad8c\uace0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

      \ud504\ub85c\uadf8\ub798\ubc0d \uae30\uc220\uc744 \uac00\uc9c4 \uc0ac\ub78c\ub4e4\uc740 \uc624\ud508 \uc18c\uc2a4 \uac10\uc0ac \uc2a4\ud06c\ub9bd\ud2b8\ub97c \uc0ac\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc2e0\uccad\uc790 \uc785\uc7a5\uc5d0\uc11c\ub294 \uac10\uc2dc \uae30\uad00\uc758 \uc99d\uac00\ub85c \uc5c5\uacc4\uc758 \ucc45\uc784\uc131\uc774 \uac15\ud654\ub41c\ub2e4\ub294 \uc758\ubbf8\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubaa8\ub4e0 \uac1c\uc120\uc740 \ubbf8\ub798\uc758 \ubaa8\ub4e0 \ub300\ucd9c\uc790\uc5d0\uac8c \uc774\uc775\uc774 \ub429\ub2c8\ub2e4.<\/p>\n

      \uc724\ub9ac\uc801\uc778 \ub370\uc774\ud130 \ud65c\uc6a9\uc744 \uc7a5\ub824\ud558\uace0 \ucc38\uc5ec\ud558\uc138\uc694. \ucda9\ubd84\ud55c \uc2e0\uccad\uc790\uac00 \ucc38\uc5ec\ud558\uba74 \uc774\ub7ec\ud55c "\ub124\ud2b8\uc6cc\ud06c \ud6a8\uacfc"\ub97c \ud1b5\ud574 \uc804\uad6d \ubaa8\ub4e0 \uc54c\uace0\ub9ac\uc998 \uae30\ubc18 \uc2e0\uc6a9 \uc2b9\uc778 \uacfc\uc815\uc5d0\uc11c \ub354 \ube60\ub978 \ubb38\uc81c \ud574\uacb0, \ub9de\ucda4\ud615 \ub300\ucd9c, \ub354 \ud070 \uacf5\uc815\uc131\uc744 \ucd09\uc9c4\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

      \uc790\ub3d9\ud654\ub41c \ub300\ucd9c \uacb0\uc815\uc758 \ucc45\uc784\uac10 \uc788\ub294 \ubbf8\ub798\ub97c \uc124\uacc4\ud558\ub2e4<\/h2>\n

      \uc54c\uace0\ub9ac\uc998 \uae30\ubc18 \uc2e0\uc6a9 \uc2b9\uc778\uc740 \uacc4\uc18d \ud655\ub300\ub418\uc5b4 \ud544\uc218 \uae08\uc735 \uc0c1\ud488\uc5d0 \ub300\ud55c \uc811\uadfc\uc131\uc744 \ubcc0\ud654\uc2dc\ud0ac \uac83\uc785\ub2c8\ub2e4. \ud22c\uba85\uc131, \uac10\ub3c5 \ubc0f \uc815\uae30 \uac10\uc0ac\ub97c \uc694\uad6c\ud568\uc73c\ub85c\uc368 \uc6b0\ub9ac\ub294 \uae30\uc220\uc774 \ub300\ucd9c\uc790\ub97c \ubc30\uc81c\ud558\ub294 \uac83\uc774 \uc544\ub2c8\ub77c \uc624\ud788\ub824 \ub3c4\uc6c0\uc774 \ub418\ub3c4\ub85d \uc774\ub04c\uc5b4\uac11\ub2c8\ub2e4.<\/p>\n

      \uc801\uadf9\uc801\uc778 \ucc38\uc5ec, \uc989 \uc774\uc758 \uc81c\uae30, \uc9c1\uc811\uc801\uc778 \ub370\uc774\ud130 \uc694\uccad, \uc815\ucc45 \uc639\ud638\ub97c \ud1b5\ud574 \uc2e0\uccad\uc790\uc5d0\uac8c \ub2e4\uc2dc \uc8fc\ub3c4\uad8c\uc744 \ub418\ub3cc\ub824 \uc904 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc2a4\ud06c\ub9bd\ud2b8, \uccb4\ud06c\ub9ac\uc2a4\ud2b8, \ubaa8\ub2c8\ud130\ub9c1 \ub3c4\uad6c\ub97c \ud65c\uc6a9\ud558\uba74 \ub300\ucd9c \uae30\uad00\uc774 \uacf5\uc815\ud558\uace0 \uc724\ub9ac\uc801\uc778 \uad00\ud589\uc744 \uc900\uc218\ud558\ub3c4\ub85d \ucc45\uc784\uc744 \ubb3c\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

      \uc2a4\ub9c8\ud2b8\ud558\uace0 \ubc18\uc751\uc131\uc774 \ub6f0\uc5b4\ub09c \uc54c\uace0\ub9ac\uc998 \uc2dc\uc2a4\ud15c\uc744 \ub3c4\uc785\ud55c\ub2e4\ub294 \uac83\uc740 \uc790\ub3d9\ud654\uc758 \ud6a8\uc728\uc131\uacfc \uc778\uac04\uc758 \uacf5\uac10 \ub2a5\ub825 \ubc0f \uc0c1\ud669 \uc778\uc2dd \ub2a5\ub825\uc744 \uc870\ud654\uc2dc\ud0a4\ub294 \uac83\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4. \ubbf8\ub798\uc758 \uc2e0\uc6a9 \uc2b9\uc778\uc740 \uae30\uc220 \ubc1c\uc804\uacfc \ud655\uace0\ud55c \uc724\ub9ac\uc801 \uae30\uc900 \uc0ac\uc774\uc5d0\uc11c \uade0\ud615\uc744 \uc720\uc9c0\ud558\uc5ec \ubaa8\ub450\uc5d0\uac8c \uae30\ud68c\ub97c \ubcf4\uc7a5\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>","protected":false},"excerpt":{"rendered":"

      \uc54c\uace0\ub9ac\uc998 \uae30\ubc18 \uc2e0\uc6a9 \uc2b9\uc778\uc740 \uc218\ubc31\ub9cc \uba85\uc758 \uc2e0\uc6a9 \uc811\uadfc\uc131\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4. \uc790\ub3d9\ud654\ub41c \ub300\ucd9c \uacb0\uc815\uc5d0\uc11c \uacf5\uc815\uc131\uc744 \uc815\uc758\ud558\ub294 \uc724\ub9ac\uc801 \ubb38\uc81c, \uc2e4\uc9c8\uc801\uc778 \uc548\uc804\uc7a5\uce58, \uadf8\ub9ac\uace0 \uc77c\uc0c1\uc801\uc778 \uc0ac\ub840\ub4e4\uc744 \uc0b4\ud3b4\ubcf4\uc138\uc694.<\/p>","protected":false},"author":3,"featured_media":205,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"yoast_head":"\nThe Ethics of Algorithmic Decision-Making in Credit Approval - Us The Finance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/usthefinance.com\/ko\/the-ethics-of-algorithmic-decision-making-in-credit-approval\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Ethics of Algorithmic Decision-Making in Credit Approval - Us The Finance\" \/>\n<meta property=\"og:description\" content=\"Algorithmic credit approval shapes credit access for millions. 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