{"id":1495,"date":"2023-11-20T17:29:37","date_gmt":"2023-11-20T08:29:37","guid":{"rendered":"https:\/\/11am.i234.me\/itvalley\/?p=1495"},"modified":"2023-11-21T11:21:56","modified_gmt":"2023-11-21T02:21:56","slug":"2023-%ec%97%b0%eb%a7%90%ec%a0%95%ec%82%b0%ec%a4%80%eb%b9%84-%ea%b8%b0%eb%b6%80%ea%b8%88%ed%8e%b8","status":"publish","type":"post","link":"https:\/\/11am.i234.me\/itvalley\/2023-%ec%97%b0%eb%a7%90%ec%a0%95%ec%82%b0%ec%a4%80%eb%b9%84-%ea%b8%b0%eb%b6%80%ea%b8%88%ed%8e%b8\/","title":{"rendered":"[\uc5f0\ub9d0\uc815\uc0b0 \uc900\ube44 \ud544\ub3c5] \uae30\ubd80\ud558\uace0 \uadf8\ub300\ub85c \ub3cc\ub824\ubc1b\uace0, \uc989\uc2dc 3\ub9cc\uc6d0 \ub2f5\ub840\ud488\uae4c\uc9c0? (\ub4e4\uae30\ub984, \uade4) \ubb34\ub8cc\ub85c \ubc1b\ub294 \ubc95"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1495\" class=\"elementor elementor-1495\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-07585ef elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"07585ef\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5e7bc15\" data-id=\"5e7bc15\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d8a2dec elementor-widget elementor-widget-text-editor\" data-id=\"d8a2dec\" data-element_type=\"widget\" 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elementor-top-section elementor-element elementor-element-f6e440d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f6e440d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-02aa318\" data-id=\"02aa318\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-12b09c1 elementor-widget elementor-widget-text-editor\" data-id=\"12b09c1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\uc624\ub298\uc740<strong> <span style=\"color: #ff0000;\">13\uc6d4\uc758 \uc6d4\uae09<\/span><\/strong>\uc774\ub77c\uace0 \ubd88\ub9ac\uc6b0\ub294 \uc5f0\ub9d0\uc815\uc0b0\uc758 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\ud074\ub9ad<\/strong><\/span>\ud558\uc2dc\uc5b4 \ud655\uc778\ubc14\ub78d\ub2c8\ub2e4.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-975cd7d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"975cd7d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e22db54\" data-id=\"e22db54\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-efba0a1 elementor-widget elementor-widget-text-editor\" data-id=\"efba0a1\" data-element_type=\"widget\" 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title=\"\uae30\ubd80\uae08\uc138\uc561\uacf5\uc81c\ub780?\">\uae30\ubd80\uae08\uc138\uc561\uacf5\uc81c\ub780?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/11am.i234.me\/itvalley\/2023-%ec%97%b0%eb%a7%90%ec%a0%95%ec%82%b0%ec%a4%80%eb%b9%84-%ea%b8%b0%eb%b6%80%ea%b8%88%ed%8e%b8\/#%EA%B8%B0%EB%B6%80%EA%B8%88_%EC%84%B8%EC%95%A1%EA%B3%B5%EC%A0%9C_%EB%8C%80%EC%83%81%EC%9D%80\" title=\"\uae30\ubd80\uae08 \uc138\uc561\uacf5\uc81c \ub300\uc0c1\uc740?\">\uae30\ubd80\uae08 \uc138\uc561\uacf5\uc81c \ub300\uc0c1\uc740?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/11am.i234.me\/itvalley\/2023-%ec%97%b0%eb%a7%90%ec%a0%95%ec%82%b0%ec%a4%80%eb%b9%84-%ea%b8%b0%eb%b6%80%ea%b8%88%ed%8e%b8\/#%EA%B3%A0%ED%96%A5%EC%82%AC%EB%9E%91%EA%B8%B0%EB%B6%80%EC%A0%9C%EB%9E%803%EB%A7%8C%EC%9B%90_%EB%8B%B5%EB%A1%80%ED%92%88\" title=\"*\uace0\ud5a5\uc0ac\ub791\uae30\ubd80\uc81c\ub780?(+3\ub9cc\uc6d0 \ub2f5\ub840\ud488)\">*\uace0\ud5a5\uc0ac\ub791\uae30\ubd80\uc81c\ub780?(+3\ub9cc\uc6d0 \ub2f5\ub840\ud488)<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/11am.i234.me\/itvalley\/2023-%ec%97%b0%eb%a7%90%ec%a0%95%ec%82%b0%ec%a4%80%eb%b9%84-%ea%b8%b0%eb%b6%80%ea%b8%88%ed%8e%b8\/#%EA%B3%A0%ED%96%A5%EC%82%AC%EB%9E%91_%EA%B8%B0%EB%B6%80%EA%B8%88_%EC%A0%9C%EB%8F%84\" title=\"\uace0\ud5a5\uc0ac\ub791 \uae30\ubd80\uae08 \uc81c\ub3c4\">\uace0\ud5a5\uc0ac\ub791 \uae30\ubd80\uae08 \uc81c\ub3c4<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/11am.i234.me\/itvalley\/2023-%ec%97%b0%eb%a7%90%ec%a0%95%ec%82%b0%ec%a4%80%eb%b9%84-%ea%b8%b0%eb%b6%80%ea%b8%88%ed%8e%b8\/#%EA%B3%A0%ED%96%A5%EC%82%AC%EB%9E%91_%EA%B8%B0%EB%B6%80%EA%B8%88_%ED%95%9C%EB%8F%84\" title=\"\uace0\ud5a5\uc0ac\ub791 \uae30\ubd80\uae08 \ud55c\ub3c4\">\uace0\ud5a5\uc0ac\ub791 \uae30\ubd80\uae08 \ud55c\ub3c4<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/11am.i234.me\/itvalley\/2023-%ec%97%b0%eb%a7%90%ec%a0%95%ec%82%b0%ec%a4%80%eb%b9%84-%ea%b8%b0%eb%b6%80%ea%b8%88%ed%8e%b8\/#%EA%B3%A0%ED%96%A5%EC%82%AC%EB%9E%91_%EA%B8%B0%EB%B6%80%EA%B8%88_%ED%99%88%ED%83%9D%EC%8A%A4_%EC%9E%90%EB%8F%99%EB%B0%98%EC%98%81\" title=\"\uace0\ud5a5\uc0ac\ub791 \uae30\ubd80\uae08 \ud648\ud0dd\uc2a4 \uc790\ub3d9\ubc18\uc601 ?\">\uace0\ud5a5\uc0ac\ub791 \uae30\ubd80\uae08 \ud648\ud0dd\uc2a4 \uc790\ub3d9\ubc18\uc601 ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/11am.i234.me\/itvalley\/2023-%ec%97%b0%eb%a7%90%ec%a0%95%ec%82%b0%ec%a4%80%eb%b9%84-%ea%b8%b0%eb%b6%80%ea%b8%88%ed%8e%b8\/#%EA%B3%A0%ED%96%A5%EC%82%AC%EB%9E%91_%EA%B8%B0%EB%B6%80%EA%B8%88_%EA%B8%B0%EB%B6%80%EB%B0%A9%EB%B2%95\" title=\"\uace0\ud5a5\uc0ac\ub791 \uae30\ubd80\uae08 \uae30\ubd80\ubc29\ubc95\">\uace0\ud5a5\uc0ac\ub791 \uae30\ubd80\uae08 \uae30\ubd80\ubc29\ubc95<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/11am.i234.me\/itvalley\/2023-%ec%97%b0%eb%a7%90%ec%a0%95%ec%82%b0%ec%a4%80%eb%b9%84-%ea%b8%b0%eb%b6%80%ea%b8%88%ed%8e%b8\/#%EA%B3%A0%ED%96%A5%EC%82%AC%EB%9E%91_%EA%B8%B0%EB%B6%80%EA%B8%88_%EB%8B%B5%EB%A1%80%ED%92%88_%EB%AA%A9%EB%A1%9D_%EB%B0%8F_%EC%B6%94%EC%B2%9C\" title=\"\uace0\ud5a5\uc0ac\ub791 \uae30\ubd80\uae08 \ub2f5\ub840\ud488 \ubaa9\ub85d \ubc0f \ucd94\ucc9c\">\uace0\ud5a5\uc0ac\ub791 \uae30\ubd80\uae08 \ub2f5\ub840\ud488 \ubaa9\ub85d \ubc0f \ucd94\ucc9c<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/11am.i234.me\/itvalley\/2023-%ec%97%b0%eb%a7%90%ec%a0%95%ec%82%b0%ec%a4%80%eb%b9%84-%ea%b8%b0%eb%b6%80%ea%b8%88%ed%8e%b8\/#%EA%B3%A0%ED%96%A5%EC%82%AC%EB%9E%91_%EA%B8%B0%EB%B6%80%EA%B8%88_%EC%8B%A0%EC%B2%AD_%EB%B0%A9%EB%B2%95_%EB%B0%8F_%EB%B0%94%EB%A1%9C_%EA%B0%80%EA%B8%B0\" title=\"\uace0\ud5a5\uc0ac\ub791 \uae30\ubd80\uae08 \uc2e0\uccad \ubc29\ubc95 \ubc0f \ubc14\ub85c \uac00\uae30\">\uace0\ud5a5\uc0ac\ub791 \uae30\ubd80\uae08 \uc2e0\uccad \ubc29\ubc95 \ubc0f \ubc14\ub85c \uac00\uae30<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%EA%B8%B0%EB%B6%80%EA%B8%88%EC%84%B8%EC%95%A1%EA%B3%B5%EC%A0%9C%EB%9E%80\"><\/span>\uae30\ubd80\uae08\uc138\uc561\uacf5\uc81c\ub780?<span class=\"ez-toc-section-end\"><\/span><\/h2><p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-1500\" src=\"https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/11\/\uc81c\ubaa9\uc744-\uc785\ub825\ud574\uc8fc\uc138\uc694_-002-1.png?resize=1080%2C1080&#038;ssl=1\" alt=\"\uace0\ud5a5\uc0ac\ub791\uae30\ubd80\uae08 \ud55c\ub3c4, \uae30\ubd80\uae08\uc138\uc561\uacf5\uc81c\ud55c\ub3c4, \uace0\ud5a5e\uc74c\ud55c\ub3c4, \uae30\ubd80\uae08\uc138\uc561\uacf5\uc81c\ud55c\ub3c4, \uc138\uc561\uacf5\uc81c, \uc5f0\ub9d0\uc815\uc0b0 \uc54c\ub730\ud558\uac8c \ubc1b\ub294 \ubc95, \uc138\uae08\ub3cc\ub824\ubc1b\ub294 \ubc95, \uc138\uae08 \ub9ce\uc774 \ub3cc\ub824\ubc1b\ub294 \ubc95, \uae30\ubd80\uc81c \ub2f5\ub840\ud488, \uace0\ud5a5\uc0ac\ub791\uae30\ubd80\uc81c \ub2f5\ub840\ud488\ucd94\ucc9c,, \ub2f5\ub840\ud488 \ucd94\ucc9c\ud56d\ubaa9, \ub2f5\ub840\ud488, \uace0\ud5a5\uc0ac\ub791\uae30\ubd80\uc81c, \uace0\ud5a5 e\uc74c\" width=\"1080\" height=\"1080\" data-recalc-dims=\"1\" srcset=\"https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/11\/\uc81c\ubaa9\uc744-\uc785\ub825\ud574\uc8fc\uc138\uc694_-002-1.png?w=1080&amp;ssl=1 1080w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/11\/\uc81c\ubaa9\uc744-\uc785\ub825\ud574\uc8fc\uc138\uc694_-002-1.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/11\/\uc81c\ubaa9\uc744-\uc785\ub825\ud574\uc8fc\uc138\uc694_-002-1.png?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/11\/\uc81c\ubaa9\uc744-\uc785\ub825\ud574\uc8fc\uc138\uc694_-002-1.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/11\/\uc81c\ubaa9\uc744-\uc785\ub825\ud574\uc8fc\uc138\uc694_-002-1.png?resize=768%2C768&amp;ssl=1 768w\" sizes=\"auto, (max-width: 1080px) 100vw, 1080px\" \/><\/p><p data-sourcepos=\"1:1-1:135\"><span style=\"text-decoration: underline;\"><strong>\uae30\ubd80\uae08 \uc138\uc561\uacf5\uc81c\ub294<\/strong><\/span> \uac1c\uc778\uc774 \uacf5\uc775\uc744 \ubaa9\uc801\uc73c\ub85c \ud558\ub294 \ub2e8\uccb4\ub098 \uae30\uad00\uc5d0 \uae30\ubd80\ud55c \uae08\uc561\uc5d0 \ub300\ud574 <span style=\"text-decoration: underline;\"><strong>\uc138\uae08\uc744 \uacf5\uc81c\ud574\uc8fc\ub294 \uc81c\ub3c4<\/strong><\/span>\uc785\ub2c8\ub2e4. \uae30\ubd80\uae08 \uc138\uc561\uacf5\uc81c\ub97c \ud1b5\ud574 \uae30\ubd80\uc790\ub294 \uc138\uae08\uc744 \uc904\uc77c \uc218 \uc788\uace0, \uae30\ubd80\uae08\uc744 \ubc1b\uc740 \ub2e8\uccb4\ub098 \uae30\uad00\uc740 \uc7ac\uc6d0\uc744 \ud655\ubcf4\ud558\uc5ec \uacf5\uc775\uc0ac\uc5c5\uc744 \uc218\ud589\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p><p data-sourcepos=\"1:1-1:135\"><span style=\"text-decoration: underline;\"><strong>\uc774\ub7ec\ud55c \uc810\uc5d0\uc11c \uae30\ubd80\uae08\uc138\uc561\uacf5\uc81c\ub294 \ub0a9\ubd80\ud55c \uc138\uae08\uc744 \ub0a9\ubd80\ud560 \uc138\uc561\uc5d0\uc11c \uc989\uc2dc \uacf5\uc81c\ud558\uae30 \ub54c\ubb38\uc5d0 \uae30\ubd80\uae08 \uc138\uc561\uacf5\uc81c\ub294 \uad49\uc7a5\ud788 \uc88b\uc740 \uc81c\ub3c4\uc785\ub2c8\ub2e4.<\/strong><\/span><\/p><p data-sourcepos=\"3:1-3:71\">\uae30\ubd80\uae08 \uc138\uc561\uacf5\uc81c\ub294 \ud06c\uac8c <strong>\uc815\uce58\uc790\uae08 \uae30\ubd80\uae08<\/strong>, <strong>\ubc95\uc815\uae30\ubd80\uae08<\/strong>, <strong>\uc9c0\uc815\uae30\ubd80\uae08<\/strong>, <strong>\uc6b0\ub9ac\uc0ac\uc8fc\uc870\ud569\uae30\ubd80\uae08<\/strong>\uc73c\ub85c \uad6c\ubd84\ub429\ub2c8\ub2e4.<\/p><p data-sourcepos=\"5:1-5:167\"><strong>\uc815\uce58\uc790\uae08 \uae30\ubd80\uae08<\/strong>\uc740 \uc815\ub2f9, \uad6d\ud68c\uc758\uc6d0, \uc9c0\ubc29\uc790\uce58\ub2e8\uccb4\uc758\uc6d0, \uc120\uac70\uc6b4\ub3d9\uc744 \uc704\ud55c \uae30\ubd80\uae08\uc744 \ub9d0\ud569\ub2c8\ub2e4. 10\ub9cc\uc6d0 \uc774\ud558 \uae08\uc561\uc5d0 \ub300\ud574\uc11c\ub294 110\ubd84\uc758 100, \uc57d 90%\uc758 \uc138\uc561\uacf5\uc81c\uc728\uc774 \uc801\uc6a9\ub429\ub2c8\ub2e4. 10\ub9cc\uc6d0 \ucd08\uacfc 3000\ub9cc\uc6d0 \uc774\ud558 \uae08\uc561\uc5d0\ub294 15%, 3000\ub9cc\uc6d0\uc744 \ucd08\uacfc\ud558\ub294 \uae08\uc561\uc5d0\ub294 25%\uc758 \uc138\uc561\uacf5\uc81c\uc728\uc774 \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/p><p data-sourcepos=\"7:1-7:247\"><span style=\"text-decoration: underline;\">\ubc95\uc815\uae30\ubd80\uae08\uc740 \uad6d\uac00\ub098 \uc9c0\ubc29\uc790\uce58\ub2e8\uccb4\uc5d0 \uc9c0\uc815\ub41c \uae30\ubd80\uae08<\/span>\uc744 \ub9d0\ud569\ub2c8\ub2e4. \ubc95\uc815\uae30\ubd80\uae08\uc5d0\ub294 \uad6d\ubbfc\uac74\uac15\ubcf4\ud5d8, \uad6d\ubbfc\uc5f0\uae08, \uace0\uc6a9\ubcf4\ud5d8, \uc7a5\uc560\uc778\uace0\uc6a9\ucd09\uc9c4\uae30\uae08, \uc0ac\ud68c\ubcf5\uc9c0\uacf5\ub3d9\ubaa8\uae08\ud68c, \ud55c\uad6d\uc7a5\uc560\uc778\uc7ac\ud65c\ud611\ud68c, \ub0a9\uc138\uc790\ubcf4\ud638 \ubc0f \uad8c\uc775\uc99d\uc9c4\uc744 \uc704\ud55c \ub2e8\uccb4 \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4. <span style=\"text-decoration: underline; color: #ff0000;\">\ubc95\uc815\uae30\ubd80\uae08\uc758 \uc138\uc561\uacf5\uc81c \ub300\uc0c1\uae08\uc561<span style=\"text-decoration: underline;\"> \ud55c\ub3c4<\/span>\ub294 \uadfc\ub85c\uc18c\ub4dd\uae08\uc561<\/span>\uc785\ub2c8\ub2e4.<\/p><p data-sourcepos=\"7:1-7:247\"><span style=\"text-decoration: underline;\"><span style=\"color: #ff0000; text-decoration: underline;\">\ub530\ub77c\uc11c \ub4a4\uc5d0\uc11c \ud6c4\uc220\ud560 <span style=\"color: #000000; text-decoration: underline;\">\uace0\ud5a5\uc0ac\ub791\uae30\ubd80\uc81c\uc758 \uc138\uc561\uacf5\uc81c \ub300\uc0c1\uae08\uc561\uc758 \ud55c\ub3c4<\/span>\ub294 \uadfc\ub85c\uc18c\ub4dd\uae08\uc561(\ucd1d\uae09\uc5ec\uc561\uacfc \ube44\uc2b7\ud55c \uc758\ubbf8\ub97c \uac00\uc9d0)\uc774\uae30\uc5d0, <span style=\"color: #000000; text-decoration: underline;\">10\ub9cc\uc6d0\uae4c\uc9c0 100% \uc138\uc561\uacf5\uc81c \uac00\ub2a5<\/span>\ud558\uace0, \uc774\ud6c4 \uae08\uc561\uc740 16.5%\ub9cc \uc138\uc561\uacf5\uc81c\uac00 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/span><\/span><\/p><p data-sourcepos=\"7:1-7:247\">\ub610\ud55c \ubc95\uc815\uae30\ubd80\uae08, \uc6b0\ub9ac\uc0ac\uc8fc\uc870\ud569\uae30\ubd80\uae08, \uc9c0\uc815\uae30\ubd80\uae08\uc5d0\ub294 1000\ub9cc\uc6d0 \uc774\ud558 \uae08\uc561\uc740 20%, 1000\ub9cc\uc6d0 \ucd08\uacfc \uae08\uc561\uc740 35%\ub77c\ub294 \uc138\uc561\uacf5\uc81c\uc728\uc774 \uacf5\ud1b5\uc801\uc73c\ub85c \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/p><p data-sourcepos=\"9:1-9:244\"><span style=\"text-decoration: underline;\"><strong>\uc9c0\uc815\uae30\ubd80\uae08<\/strong>\uc740 \uad6d\uac00\ub098 \uc9c0\ubc29\uc790\uce58\ub2e8\uccb4\uc5d0 \uc9c0\uc815\ub418\uc9c0 \uc54a\uc740 \uae30\ubd80\uae08<\/span>\uc744 \ub9d0\ud569\ub2c8\ub2e4. \uc9c0\uc815\uae30\ubd80\uae08\uc5d0\ub294 \uc0ac\ud68c\ubcf5\uc9c0, \uad50\uc721, \ubb38\ud654, \ud658\uacbd, \uc885\uad50, \uccb4\uc721, \uc758\ub8cc, \uad6d\uc81c\uac1c\ubc1c\ud611\ub825, \uacf5\uc775\ubc95\uc778, \uc7a5\uc560\uc778\ubcf5\uc9c0, \uc18c\uc0c1\uacf5\uc778 \uc9c0\uc6d0, \uc9c0\uc5ed\uacf5\ub3d9\uccb4 \ud65c\uc131\ud654, \uad6d\ud1a0\ud658\uacbd \ubcf4\uc804, \uc9c0\uc5ed\ubb38\ud654 \uc9c4\ud765, \uc9c0\uc5ed\uacbd\uc81c \ud65c\uc131\ud654, \ub18d\uc5b4\uc5c5 \ubc1c\uc804, \uc9c0\uc5ed\ud2b9\uc0b0\ubb3c \uc0dd\uc0b0 \ubc0f \ud310\ub85c \uc9c0\uc6d0, \uc9c0\uc5ed\uc0ac\ub791\uc0c1\ud488\uad8c \uad6c\ub9e4 \ub4f1 \ub2e4\uc591\ud55c \ubd84\uc57c\uc758 \uae30\ubd80\uae08\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4. <span style=\"text-decoration: underline;\">\uc9c0\uc815\uae30\ubd80\uae08\uc758 \uc138\uc561\uacf5\uc81c \ub300\uc0c1\uae08\uc561 <span style=\"color: #ff0000; text-decoration: underline;\">\ud55c\ub3c4<\/span>\ub294 \uadfc\ub85c\uc18c\ub4dd\uae08\uc561\uc758 10%\uc785\ub2c8\ub2e4.<\/span><\/p><p data-sourcepos=\"11:1-11:87\"><span style=\"text-decoration: underline;\"><strong>\uc6b0\ub9ac\uc0ac\uc8fc\uc870\ud569\uae30\ubd80\uae08<\/strong>\uc740 \uadfc\ub85c\uc790\uac00 \uc124\ub9bd\ud55c \uc6b0\ub9ac\uc0ac\uc8fc\uc870\ud569\uc5d0 \uae30\ubd80\ud55c \uae30\ubd80\uae08<\/span>\uc744 \ub9d0\ud569\ub2c8\ub2e4. <span style=\"text-decoration: underline;\">\uc6b0\ub9ac\uc0ac\uc8fc\uc870\ud569\uae30\ubd80\uae08\uc758 \uc138\uc561\uacf5\uc81c \ub300\uc0c1\uae08\uc561<span style=\"color: #ff0000; text-decoration: underline;\"> \ud55c\ub3c4<\/span>\ub294 \uadfc\ub85c\uc18c\ub4dd\uae08\uc561\uc758 10%\uc785\ub2c8\ub2e4.<\/span><\/p><p data-sourcepos=\"11:1-11:87\">\uae30\ubd80\uae08 \uc138\uc561\uacf5\uc81c\ub294 \uc5f0\ub9d0\uc815\uc0b0 \uc2dc \uac04\uc18c\ud654 \uc11c\ube44\uc2a4\uc5d0 \uae30\ubd80\uae08\uc601\uc218\uc99d\uc744 \ub4f1\ub85d\ud558\uc5ec \uc2e0\uccad\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uae30\ubd80\uae08\uc601\uc218\uc99d\uc744 \ub4f1\ub85d\ud558\uc9c0 \uc54a\uc740 \uacbd\uc6b0, \ubcc4\ub3c4\uc758 \uc99d\ube59\uc11c\ub958\ub97c \uad6c\ube44\ud558\uc5ec \uc885\ud569\uc18c\ub4dd\uc138 \uc2e0\uace0 \uc2dc \uc138\uc561\uacf5\uc81c\ub97c \uc2e0\uccad\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e115b0d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e115b0d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-942a7d2\" data-id=\"942a7d2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a69a8ef elementor-widget elementor-widget-text-editor\" data-id=\"a69a8ef\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><span class=\"ez-toc-section\" id=\"%EA%B8%B0%EB%B6%80%EA%B8%88_%EC%84%B8%EC%95%A1%EA%B3%B5%EC%A0%9C_%EB%8C%80%EC%83%81%EC%9D%80\"><\/span>\uae30\ubd80\uae08 \uc138\uc561\uacf5\uc81c \ub300\uc0c1\uc740?<span class=\"ez-toc-section-end\"><\/span><\/h2><p>\uc774\ub807\uac8c \uae30\ubd80\uae08 \uc138\uc561\uacf5\uc81c\ud56d\ubaa9\uacfc \uadf8 \ud56d\ubaa9\uc5d0 \ub300\ud55c \ud55c\ub3c4\uae4c\uc9c0 \uc54c\uc544\ubcf4\uc558\uc2b5\ub2c8\ub2e4.<\/p><p><span style=\"text-decoration: underline;\">\uae30\ubd80\uae08 \uc138\uc561\uacf5\uc81c\ub294 \uc138\uc561\uc5d0\uc11c \uc9c1\uc811 \uacf5\uc81c\uac00 \uac00\ub2a5\ud55c \uacf5\uc81c\ud56d\ubaa9<\/span>\uc774\uae30 \ub54c\ubb38\uc5d0, <span style=\"color: #ff0000;\"><strong>\uadfc\ub85c\uc18c\ub4dd\uc774\ub098 \uc885\ud569\uc18c\ub4dd\uc774 \uc788\ub294 \uc790<\/strong><\/span>\ub294 \ub0a9\ubd80\ud560 \uc138\uc561\uc5d0\uc11c \uacf5\uc81c\uac00 \uac00\ub2a5\ud558\uba70, <span style=\"color: #ff0000;\"><strong>10\ub144\uac04 \uc774\uc6d4<\/strong><\/span>\ud558\uc5ec \uacf5\uc81c\uac00 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p><p>\uae09\uc5ec\ub97c \ubc1b\ub294 \uadfc\ub85c\uc18c\ub4dd\uc790\uc640 \uc885\ud569\uc18c\ub4dd\uc790\ub294 \uc2e0\uace0 \ub0a9\ubd80 \uc2dc\uc5d0 \ud648\ud0dd\uc2a4 \uc0c1\uc758 \ub0b4\uc6a9\uc5d0 \uc790\ub3d9 \ubc18\uc601\ub41c \ub0b4\uc6a9\uc744 \ud655\uc778\ud55c \ud6c4 \ub2f4\ub2f9\uc790 \ub610\ub294 \ubcf8\uc778\uc774 \uc2e0\uace0\ud574\uc57c\ud569\ub2c8\ub2e4. \ub9cc\uc57d, \ud648\ud0dd\uc2a4 \uc0c1\uc5d0 \uae30\ubd80\uae08 \ub0a9\ubd80 \ub0b4\uc5ed\uc774 \uc870\ud68c\uac00 \ub418\uc9c0 \uc54a\ub294\ub2e4\uba74, \ub0a9\ubd80\ud55c \uae30\uad00\uc5d0 \uc9c1\uc811 \uc5f0\ub77d\ud558\uc2dc\uc5b4 \uae30\ubd80\uae08 \uc601\uc218\uc99d\uc744 \ubc1c\uae09\ubc1b\uace0 \uc5f0\ub9d0\uc815\uc0b0 \ubc0f \uc885\ud569\uc18c\ub4dd\uc138 \uc2e0\uace0 \uc2dc\uc5d0 \ud568\uaed8 \uc81c\ucd9c\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9312ab8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9312ab8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1b1e960\" data-id=\"1b1e960\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-880c512 elementor-widget elementor-widget-text-editor\" data-id=\"880c512\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2 data-sourcepos=\"13:1-13:209\"><span class=\"ez-toc-section\" id=\"%EA%B3%A0%ED%96%A5%EC%82%AC%EB%9E%91%EA%B8%B0%EB%B6%80%EC%A0%9C%EB%9E%803%EB%A7%8C%EC%9B%90_%EB%8B%B5%EB%A1%80%ED%92%88\"><\/span>*\uace0\ud5a5\uc0ac\ub791\uae30\ubd80\uc81c\ub780?(+3\ub9cc\uc6d0 \ub2f5\ub840\ud488)<span class=\"ez-toc-section-end\"><\/span><\/h2><h3 data-sourcepos=\"13:1-13:209\"><span class=\"ez-toc-section\" id=\"%EA%B3%A0%ED%96%A5%EC%82%AC%EB%9E%91_%EA%B8%B0%EB%B6%80%EA%B8%88_%EC%A0%9C%EB%8F%84\"><\/span>\uace0\ud5a5\uc0ac\ub791 \uae30\ubd80\uae08 \uc81c\ub3c4<span class=\"ez-toc-section-end\"><\/span><\/h3><p data-sourcepos=\"13:1-13:209\"><span style=\"color: #ff00ff;\"><strong>\uace0\ud5a5\uc0ac\ub791\uae30\ubd80\uc81c<\/strong><\/span>\ub294 2018\ub144\ubd80\ud130 \uc2dc\ud589\ub41c \uc81c\ub3c4\ub85c\uc11c, \uc8fc\ubbfc\ub4f1\ub85d\uc0c1 \uc8fc\uc18c\uc9c0 \uad00\ud560 \uc9c0\ubc29\uc790\uce58\ub2e8\uccb4\ub97c \uc81c\uc678\ud55c \uc9c0\ubc29\uc790\uce58\ub2e8\uccb4\uc5d0 \uae30\ubd80\ud558\ub294 \uae30\ubd80\uae08\uc744 \uc138\uc561\uacf5\uc81c\ud558\ub294 \uc81c\ub3c4\ub97c \ub9d0\ud569\ub2c8\ub2e4.<\/p><p data-sourcepos=\"13:1-13:209\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-1498\" src=\"https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/11\/003-1.png?resize=1080%2C1080&#038;ssl=1\" alt=\"\uace0\ud5a5\uc0ac\ub791\uae30\ubd80\uae08 \ud55c\ub3c4, \uae30\ubd80\uae08\uc138\uc561\uacf5\uc81c\ud55c\ub3c4, \uace0\ud5a5e\uc74c\ud55c\ub3c4, \uae30\ubd80\uae08\uc138\uc561\uacf5\uc81c\ud55c\ub3c4, \uc138\uc561\uacf5\uc81c, \uc5f0\ub9d0\uc815\uc0b0 \uc54c\ub730\ud558\uac8c \ubc1b\ub294 \ubc95, \uc138\uae08\ub3cc\ub824\ubc1b\ub294 \ubc95, \uc138\uae08 \ub9ce\uc774 \ub3cc\ub824\ubc1b\ub294 \ubc95, \uae30\ubd80\uc81c \ub2f5\ub840\ud488, \uace0\ud5a5\uc0ac\ub791\uae30\ubd80\uc81c \ub2f5\ub840\ud488\ucd94\ucc9c,, \ub2f5\ub840\ud488 \ucd94\ucc9c\ud56d\ubaa9, \ub2f5\ub840\ud488, \uace0\ud5a5\uc0ac\ub791\uae30\ubd80\uc81c, \uace0\ud5a5 e\uc74c\" width=\"1080\" height=\"1080\" data-recalc-dims=\"1\" srcset=\"https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/11\/003-1.png?w=1080&amp;ssl=1 1080w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/11\/003-1.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/11\/003-1.png?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/11\/003-1.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/11\/003-1.png?resize=768%2C768&amp;ssl=1 768w\" sizes=\"auto, (max-width: 1080px) 100vw, 1080px\" \/><\/p><p data-sourcepos=\"13:1-13:209\">\u00a0<\/p><p data-sourcepos=\"13:1-13:209\">\u00a0<\/p><h3 data-sourcepos=\"13:1-13:209\"><span class=\"ez-toc-section\" id=\"%EA%B3%A0%ED%96%A5%EC%82%AC%EB%9E%91_%EA%B8%B0%EB%B6%80%EA%B8%88_%ED%95%9C%EB%8F%84\"><\/span>\uace0\ud5a5\uc0ac\ub791 \uae30\ubd80\uae08 \ud55c\ub3c4<span class=\"ez-toc-section-end\"><\/span><\/h3><p><span style=\"text-decoration: underline;\"><span style=\"color: #ff0000; text-decoration: underline;\"><strong>\uace0\ud5a5\uc0ac\ub791\uae30\ubd80\uae08\uc740 10\ub9cc\uc6d0 \uc774\ud558 \uae08\uc561\uc740 \uc804\uc561 \uacf5\uc81c, 10\ub9cc\uc6d0 \ucd08\uacfc\ubd84\uc740 16.5% \uc138\uc561\uacf5\uc81c \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/strong><\/span><\/span><\/p><h3><span class=\"ez-toc-section\" id=\"%EA%B3%A0%ED%96%A5%EC%82%AC%EB%9E%91_%EA%B8%B0%EB%B6%80%EA%B8%88_%ED%99%88%ED%83%9D%EC%8A%A4_%EC%9E%90%EB%8F%99%EB%B0%98%EC%98%81\"><\/span>\uace0\ud5a5\uc0ac\ub791 \uae30\ubd80\uae08 \ud648\ud0dd\uc2a4 \uc790\ub3d9\ubc18\uc601 ?<span class=\"ez-toc-section-end\"><\/span><\/h3><p>\uace0\ud5a5\uc0ac\ub791\uae30\ubd80\uac00 \uc644\ub8cc\ub418\uba74 \uc5f0\ub9d0\uc815\uc0b0 \uac04\uc18c\ud654 \uc11c\ube44\uc2a4\uc5d0 \uc790\ub3d9 \ubc18\uc601\ub418\uc5b4 <span style=\"text-decoration: underline;\"><span style=\"color: #ff0000; text-decoration: underline;\"><strong>\ubcc4\ub3c4\uc758 \uae30\ubd80\uae08\uc601\uc218\uc99d \ub4f1\ub85d\uc808\ucc28 \uc5c6\uc774 \uc138\uc561\uacf5\uc81c<\/strong><\/span><\/span> \ubc1b\uc73c\uc2e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p><h3><span class=\"ez-toc-section\" id=\"%EA%B3%A0%ED%96%A5%EC%82%AC%EB%9E%91_%EA%B8%B0%EB%B6%80%EA%B8%88_%EA%B8%B0%EB%B6%80%EB%B0%A9%EB%B2%95\"><\/span>\uace0\ud5a5\uc0ac\ub791 \uae30\ubd80\uae08 \uae30\ubd80\ubc29\ubc95<span class=\"ez-toc-section-end\"><\/span><\/h3><p data-sourcepos=\"15:1-15:35\">\uae30\ubd80\uae08 \uc138\uc561\uacf5\uc81c\ub97c \ubc1b\uc73c\ub824\uba74 \ub2e4\uc74c\uacfc \uac19\uc740 \uc694\uac74\uc744 \ucda9\uc871\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p><ul data-sourcepos=\"17:1-20:0\"><li data-sourcepos=\"17:1-17:47\">\uae30\ubd80\uae08\uc744 \ubc1b\uc740 \ub2e8\uccb4\ub098 \uae30\uad00\uc774\u00a0<strong>\uacf5\uc775\ubc95\uc778<\/strong>\u00a0\ub610\ub294\u00a0<strong>\uc9c0\ubc29\uc790\uce58\ub2e8\uccb4<\/strong>\uc5ec\uc57c \ud569\ub2c8\ub2e4.<\/li><li data-sourcepos=\"18:1-18:86\">\uae30\ubd80\uae08\uc740\u00a0<strong>\ud604\uae08<\/strong>,\u00a0<strong>\uc218\ud45c<\/strong>,\u00a0<strong>\uc5b4\uc74c<\/strong>,\u00a0<strong>\uc9c0\ub85c<\/strong>,\u00a0<strong>\uacc4\uc88c\uc774\uccb4<\/strong>,\u00a0<strong>\uc2e0\uc6a9\uce74\ub4dc<\/strong>,\u00a0<strong>\uc9c0\uc5ed\uc0ac\ub791\uc0c1\ud488\uad8c<\/strong>\u00a0\ub4f1\uc73c\ub85c \ub0a9\ubd80\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li><li data-sourcepos=\"19:1-20:0\">\uae30\ubd80\uae08\uc601\uc218\uc99d\uc744 \ubc1c\uae09\ubc1b\uc544\uc57c \ud569\ub2c8\ub2e4.<\/li><\/ul><p>\uc704\uc758 \uc810\uc5d0\uc11c<strong> \uc9c0\ubc29\uc138 \ub0a9\ubd80\ucf54\ub4dc\ub85c \uc2e4\uc801\uc778\uc815\uc774 \uac00\ub2a5\ud55c \uce74\ub4dc\ub77c\uba74, \uce74\ub4dc\ub0a9\ubd80\ub3c4 \uac00\ub2a5\ud558\uace0, \uacc4\uc88c\uc774\uccb4\ub3c4 \uac00\ub2a5\ud558\ub2e4\uace0 \ud569\ub2c8\ub2e4. \uc774\uc810\uc5d0\uc11c \uce74\ub4dc \uc2e4\uc801\uc744 \ucc44\uc6b0\uc2e4 \ubd84\uc740 \ub108\ubb34\ub098\ub3c4 \uc88b\uaca0\uc8e0???<\/strong><\/p><h3><span class=\"ez-toc-section\" id=\"%EA%B3%A0%ED%96%A5%EC%82%AC%EB%9E%91_%EA%B8%B0%EB%B6%80%EA%B8%88_%EB%8B%B5%EB%A1%80%ED%92%88_%EB%AA%A9%EB%A1%9D_%EB%B0%8F_%EC%B6%94%EC%B2%9C\"><\/span>\uace0\ud5a5\uc0ac\ub791 \uae30\ubd80\uae08 \ub2f5\ub840\ud488 \ubaa9\ub85d \ubc0f \ucd94\ucc9c<span class=\"ez-toc-section-end\"><\/span><\/h3><p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-1499\" src=\"https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/11\/004.png?resize=1080%2C1080&#038;ssl=1\" alt=\"\uace0\ud5a5\uc0ac\ub791\uae30\ubd80\uae08 \ud55c\ub3c4, \uae30\ubd80\uae08\uc138\uc561\uacf5\uc81c\ud55c\ub3c4, \uace0\ud5a5e\uc74c\ud55c\ub3c4, \uae30\ubd80\uae08\uc138\uc561\uacf5\uc81c\ud55c\ub3c4, \uc138\uc561\uacf5\uc81c, \uc5f0\ub9d0\uc815\uc0b0 \uc54c\ub730\ud558\uac8c \ubc1b\ub294 \ubc95, \uc138\uae08\ub3cc\ub824\ubc1b\ub294 \ubc95, \uc138\uae08 \ub9ce\uc774 \ub3cc\ub824\ubc1b\ub294 \ubc95, \uae30\ubd80\uc81c \ub2f5\ub840\ud488, \uace0\ud5a5\uc0ac\ub791\uae30\ubd80\uc81c \ub2f5\ub840\ud488\ucd94\ucc9c,, \ub2f5\ub840\ud488 \ucd94\ucc9c\ud56d\ubaa9, \ub2f5\ub840\ud488, \uace0\ud5a5\uc0ac\ub791\uae30\ubd80\uc81c, \uace0\ud5a5 e\uc74c\" width=\"1080\" height=\"1080\" data-recalc-dims=\"1\" srcset=\"https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/11\/004.png?w=1080&amp;ssl=1 1080w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/11\/004.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/11\/004.png?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/11\/004.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/11\/004.png?resize=768%2C768&amp;ssl=1 768w\" sizes=\"auto, (max-width: 1080px) 100vw, 1080px\" \/><\/p><p>\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-491ba30 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"491ba30\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0fc8d0d\" data-id=\"0fc8d0d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-50f72a9 elementor-widget elementor-widget-text-editor\" data-id=\"50f72a9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><span class=\"ez-toc-section\" id=\"%EA%B3%A0%ED%96%A5%EC%82%AC%EB%9E%91_%EA%B8%B0%EB%B6%80%EA%B8%88_%EC%8B%A0%EC%B2%AD_%EB%B0%A9%EB%B2%95_%EB%B0%8F_%EB%B0%94%EB%A1%9C_%EA%B0%80%EA%B8%B0\"><\/span>\uace0\ud5a5\uc0ac\ub791 \uae30\ubd80\uae08 \uc2e0\uccad \ubc29\ubc95 \ubc0f \ubc14\ub85c \uac00\uae30<span class=\"ez-toc-section-end\"><\/span><\/h2><p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-1501\" src=\"https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/11\/\uc81c\ubaa9\uc744-\uc785\ub825\ud574\uc8fc\uc138\uc694_-005.png?resize=1080%2C1080&#038;ssl=1\" alt=\"\uace0\ud5a5\uc0ac\ub791\uae30\ubd80\uae08 \ud55c\ub3c4, \uae30\ubd80\uae08\uc138\uc561\uacf5\uc81c\ud55c\ub3c4, \uace0\ud5a5e\uc74c\ud55c\ub3c4, \uae30\ubd80\uae08\uc138\uc561\uacf5\uc81c\ud55c\ub3c4, \uc138\uc561\uacf5\uc81c, \uc5f0\ub9d0\uc815\uc0b0 \uc54c\ub730\ud558\uac8c \ubc1b\ub294 \ubc95, \uc138\uae08\ub3cc\ub824\ubc1b\ub294 \ubc95, \uc138\uae08 \ub9ce\uc774 \ub3cc\ub824\ubc1b\ub294 \ubc95, \uae30\ubd80\uc81c \ub2f5\ub840\ud488, \uace0\ud5a5\uc0ac\ub791\uae30\ubd80\uc81c \ub2f5\ub840\ud488\ucd94\ucc9c,, \ub2f5\ub840\ud488 \ucd94\ucc9c\ud56d\ubaa9, \ub2f5\ub840\ud488, \uace0\ud5a5\uc0ac\ub791\uae30\ubd80\uc81c, \uace0\ud5a5 e\uc74c\" width=\"1080\" height=\"1080\" data-recalc-dims=\"1\" srcset=\"https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/11\/\uc81c\ubaa9\uc744-\uc785\ub825\ud574\uc8fc\uc138\uc694_-005.png?w=1080&amp;ssl=1 1080w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/11\/\uc81c\ubaa9\uc744-\uc785\ub825\ud574\uc8fc\uc138\uc694_-005.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/11\/\uc81c\ubaa9\uc744-\uc785\ub825\ud574\uc8fc\uc138\uc694_-005.png?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/11\/\uc81c\ubaa9\uc744-\uc785\ub825\ud574\uc8fc\uc138\uc694_-005.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/11am.i234.me\/itvalley\/wp-content\/uploads\/2023\/11\/\uc81c\ubaa9\uc744-\uc785\ub825\ud574\uc8fc\uc138\uc694_-005.png?resize=768%2C768&amp;ssl=1 768w\" sizes=\"auto, (max-width: 1080px) 100vw, 1080px\" \/><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\uc624\ub298\uc740 13\uc6d4\uc758 \uc6d4\uae09\uc774\ub77c\uace0 \ubd88\ub9ac\uc6b0\ub294 \uc5f0\ub9d0\uc815\uc0b0\uc758 \uaf43, \uc138\uc561\uacf5\uc81c \ud56d\ubaa9 \uc911 \uae30\ubd80\uae08 \uc138\uc561\uacf5\uc81c\uc5d0 \ub300\ud558\uc5ec \uc18c\uac1c\ud558\ub824\uace0 \ud569\ub2c8\ub2e4. \ud2b9\uc815 \uc9d1\ub2e8\uc744 \uc704\ud574 \uae30\ubd80\ud558\uace0, \uadf8 \uae30\ubd80\ud55c \ub9cc\ud07c \uae08\uc561\uc744 \uae09\uc5ec \ubc1b\uc744 \ub54c \ub5bc\uc778 \uc138\uae08\uc5d0\uc11c \ub3cc\ub824\ubc1b\uc744 \uc218 \uc788\ub294 \uae30\ubd80\uae08 \uc138\uc561 \uacf5\uc81c\uc5d0 \ub300\ud558\uc5ec \uc18c\uac1c\ud574\ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \uc774\ub807\uac8c \uc9c0\uc790\uccb4(ex.\ubd80\uc5ec\uad70, \uc81c\uc8fc\ub3c4\uccad, \uac15\uc11c\uad6c\uccad, \uc131\ubd81\uad6c\uccad \ub4f1)\uc5d0 \uae30\ubd80\ud55c \uc989\uc2dc 3\ub9cc\uc6d0\uc758 \ub2f5\ub840\ud488\uc744 \ubc1b\uc744 \uc218 \uc788\ub294 \uc81c\ub3c4\uc640 \ubc29\ubc95\uc5d0 \ub300\ud574 \uc18c\uac1c\ud574\ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4. \uc55e\uc11c \uc5b8\uae09\ud558\uc790\uba74, &#8230; <a title=\"[\uc5f0\ub9d0\uc815\uc0b0 \uc900\ube44 \ud544\ub3c5] \uae30\ubd80\ud558\uace0 \uadf8\ub300\ub85c \ub3cc\ub824\ubc1b\uace0, \uc989\uc2dc 3\ub9cc\uc6d0 \ub2f5\ub840\ud488\uae4c\uc9c0? (\ub4e4\uae30\ub984, \uade4) \ubb34\ub8cc\ub85c \ubc1b\ub294 \ubc95\" class=\"read-more\" href=\"https:\/\/11am.i234.me\/itvalley\/2023-%ec%97%b0%eb%a7%90%ec%a0%95%ec%82%b0%ec%a4%80%eb%b9%84-%ea%b8%b0%eb%b6%80%ea%b8%88%ed%8e%b8\/\" aria-label=\"More on [\uc5f0\ub9d0\uc815\uc0b0 \uc900\ube44 \ud544\ub3c5] \uae30\ubd80\ud558\uace0 \uadf8\ub300\ub85c \ub3cc\ub824\ubc1b\uace0, \uc989\uc2dc 3\ub9cc\uc6d0 \ub2f5\ub840\ud488\uae4c\uc9c0? (\ub4e4\uae30\ub984, \uade4) \ubb34\ub8cc\ub85c \ubc1b\ub294 \ubc95\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":1497,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[],"class_list":["post-1495","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-variety-of-low-interest-loan-products-and-goverment-policy"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.10 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>[\uc5f0\ub9d0\uc815\uc0b0 \uc900\ube44 \ud544\ub3c5] \uae30\ubd80\ud558\uace0 \uadf8\ub300\ub85c \ub3cc\ub824\ubc1b\uace0, \uc989\uc2dc 3\ub9cc\uc6d0 \ub2f5\ub840\ud488\uae4c\uc9c0? (\ub4e4\uae30\ub984, \uade4) \ubb34\ub8cc\ub85c \ubc1b\ub294 \ubc95 - \uc787\ubc38\ub9ac \ud83d\udce6<\/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:\/\/11am.i234.me\/itvalley\/2023-\uc5f0\ub9d0\uc815\uc0b0\uc900\ube44-\uae30\ubd80\uae08\ud3b8\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[\uc5f0\ub9d0\uc815\uc0b0 \uc900\ube44 \ud544\ub3c5] \uae30\ubd80\ud558\uace0 \uadf8\ub300\ub85c \ub3cc\ub824\ubc1b\uace0, \uc989\uc2dc 3\ub9cc\uc6d0 \ub2f5\ub840\ud488\uae4c\uc9c0? 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