{"id":4776,"date":"2013-05-13T22:24:55","date_gmt":"2013-05-14T02:24:55","guid":{"rendered":"http:\/\/serony.com\/?p=4776"},"modified":"2018-07-25T11:00:25","modified_gmt":"2018-07-25T15:00:25","slug":"guest-blog-%ea%b9%80%ec%9d%b8%ed%98%b8%ec%9d%98-%ea%b2%bd%ec%98%81%c2%b7%ea%b2%bd%ec%a0%9c-%ec%82%b0%ec%b1%85-16","status":"publish","type":"post","link":"https:\/\/serony.com\/ken\/2013\/05\/13\/guest-blog-%ea%b9%80%ec%9d%b8%ed%98%b8%ec%9d%98-%ea%b2%bd%ec%98%81%c2%b7%ea%b2%bd%ec%a0%9c-%ec%82%b0%ec%b1%85-16\/","title":{"rendered":"Guest Blog: \uae40\uc778\ud638\uc758 \uacbd\uc601\u00b7\uacbd\uc81c \uc0b0\ucc45 16"},"content":{"rendered":"<p style=\"text-align: center;\"><strong><span style=\"font-size: x-large;\">\ud30c\uc0dd\uae08\uc735\uc0c1\ud488 \ub9dd\uad6d\ub860\uc744 \ub610\ub2e4\uc2dc \uc81c\uae30\ud558\ub294 \uc774\uc720<\/span><\/strong><\/p>\n<p style=\"text-align: center;\"><em><strong>2013.05.13<\/strong><\/em><\/p>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_4694\" aria-describedby=\"caption-attachment-4694\" style=\"width: 100px\" class=\"wp-caption alignleft\"><a href=\"http:\/\/serony.com\/ken\/wp-content\/uploads\/2013\/04\/IHK-1.jpg\"><img decoding=\"async\" class=\"size-full wp-image-4694\" src=\"http:\/\/serony.com\/ken\/wp-content\/uploads\/2013\/04\/IHK-1.jpg\" alt=\"\uae40\uc778\ud638 \uad50\uc218\" width=\"100\" \/><\/a><figcaption id=\"caption-attachment-4694\" class=\"wp-caption-text\">\uae40\uc778\ud638 \uba85\uc608\uad50\uc218<\/figcaption><\/figure>\n<p><span style=\"font-size: 14pt;\"><strong>\ud544\uc790\ub294 2008\ub144 \uc774\uba85\ubc15(MB) \uc815\ubd80<\/strong><\/span> \ucd9c\ubc94 \ubc14\ub85c \uc774\ud2c0 \ud6c4\uc778 2008\ub144 2\uc6d4 27\uc77c\uc5d0 \u2018\ud30c\uc0dd\uc0c1\ud488\uc5d0 \ub300\ud558\uc5ec \uc8fc\ubaa9\ud558\ub294 \uc774\uc720\u2019\ub77c\ub294 \uce7c\ub7fc\uc744 \ud55c\uad6d\uacbd\uc81c\uc2e0\ubb38\uc5d0 \uac8c\uc7ac\ud55c \ubc14 \uc788\uc5c8\ub2e4.<\/p>\n<p>\u00a0\uc774\uba85\ubc15 \ub300\ud1b5\ub839 \ub2f9\uc120\uc778 \uc2dc\uc808\ubd80\ud130 \uc194\uc194 \ub098\uc624\ub354\ub2c8 MB\uc815\ubd80\uac00 \ucd9c\ubc94\ud558\uc790\ub9c8\uc790 \uc6b0\ub9ac\ub3c4 \ub450\ubc14\uc774\ucc98\ub7fc \uae08\uc735\ud5c8\ube0c\ub97c \ub9cc\ub4e4\uc790, \uae08\uc735\uc120\uc9c4\ud654\ub97c \uc774\ub8e8\uc790, \uae08\uc735 \uc0b0\uc5c5\uacbd\uc7c1\ub825\uc744 \ub192\uc774\uc790, \ub4f1 \uae08\uc735\uacfc \uad00\ub828\ud55c \uc8fc\uc7a5\ub4e4\uc774 \uac11\uc790\uae30 \ub9e4\uccb4\uc5d0 \ubd80\uca4d \ub4f1\uc7a5\ud558\ub294 \ud615\uc0c1\uc774 \ubc8c\uc5b4\uc9c0\uae30 \uc2dc\uc791\ud588\ub2e4. \uadf8\ub9ac\uace0 \ub354\uc6b1 \uac00\uad00\uc778 \uac83\uc740 \uc9c0\uae08\uc774\uc57c\ub9d0\ub85c \uae08\uc735\uc120\uc9c4\ud654\ub97c \uc774\ub8f0 \uc808\ud638\uc758 \ucc2c\uc2a4\uc774\ub2c8 \ubc95\uc73c\ub85c \uaddc\uc81c\ub97c \uc644\ud654\ud574\uc11c \uc120\uc9c4\uae08\uc735\uae30\ubc95\uc744 \uc2b5\ub4dd\ud558\uc790\uba70, \ub2f9\uc2dc\uc758 \uae08\uc735\uc804\ubb38\uac00\ub4e4(\uc694\uc998\ub3c4 \uc5ec\uc804\ud788 \uc774\ub7f0 \ubd84\ub4e4\uc774 \uacc4\uc2dc\uc9c0\ub9cc)\uc758 \uc8fc\uc7a5\uc774 \uc5ec\ub7ec \uc77c\uac04\uc9c0\uc758 \uc2dc\ub860\ub780\uc744 \ub36e\ub354\ub2c8\ub9cc \uc720\ub825 \uc77c\uac04\uc9c0\uc758 \uc0ac\uc124\ub85c\uae4c\uc9c0 \uc774\ub97c \ub450\ub454\ud558\ub294 \ud76c\ud55c\ud55c \uc791\ud0dc\uac00 \uc5f0\ucd9c\ub41c \uc5bc\ub9c8 \ud6c4 Citi \uadf8\ub8f9\uc5d0 20\uc5b5\ubd88\uc744 \ud22c\uc790\ud558\ub294 \uac83\uc774\uc5c8\ub2e4. \ubb3c\ub860 \uc774\ub54c \ud22c\uc790\ud55c 20\uc5b5\ubd88\uc740 \uacb0\uacfc\uc801\uc73c\ub85c \ubabd\ub545 \ud138\ub9ac\ub294 \uaf34\uc744 \ub2f9\ud588\uc9c0\ub9cc \uc774\ub7f0 \ubc30\uacbd\uc5d0\ub294 \uc5b4\ub5a4 \uc138\ub825\uc774 \ub3c4\uc0ac\ub9ac\uace0 \uc788\ub2e4\ub294 \uc9c1\uac10\uc774 \ub4e4\uc5c8\ub294\ub370, \uc774\ub7f0 \ub098\uc758 \uc9c1\uac10\uc740 \uc0b0\uc5c5\uc740\ud589\uc73c\ub85c \ud558\uc5ec\uae08 \ud30c\uc0b0\uc9c1\uc804\uc758 \ub9ac\uba3c \ube0c\ub77c\ub354\uc2a4(Lehman Brothers)\ub97c \uc778\uc218\uc2dc\ud0a4\ub824\ub294 \ud68d\ucc45\uc744 \uaf80\ud558\ub358 \uc138\ub825\uc774 \uac70\ub860\ub418\uba74\uc11c \ub354\uc6b1 \ubd84\uba85\ud574\uc84c\uc5c8\ub294\ub370 \uadf8 \ub4a4 \uc774\ub4e4\uc740 \uc2ac\uadf8\uba38\ub2c8 \ubb3c\ubc11 \uc18d\uc73c\ub85c \uc228\uaca8\uc84c\ub2e4.<\/p>\n<p>\ud30c\uc0dd\uae08\uc735\uc0c1\ud488\uc758 \uc704\ud5d8\uc131\uacfc \uadf8 \uc0ac\uae30\uc131\uc744 \uc9c0\uc801\ud55c \ud544\uc790\uc758 \uacbd\uace0\uc131 \uce7c\ub7fc\uc5d0 \ub300\ud574 \ub2f9\uc2dc \uad00\uc2ec\uc744 \ub450\ub294 \uc774\ub294 \ubcc4\ub85c \ub9ce\uc9c0 \uc54a\uc558\uc9c0\ub9cc \uc815\ud655\ud788 7\uac1c\uc6d4 \ub4a4 9\uc6d4\uc5d0 \uc6d4\uac00\ubd95\uad34(Wall Street meltdown)\uac00 \ud130\uc84c\ub2e4. \ub9cc\uc57d \uc870\uae08 \ub354 \ub2a6\uac8c \uc6d4\uac00\uac00 \ubd95\uad34\ub418\uc5c8\ub2e4\uba74 \uadf8\ub798\uc11c \uc0b0\uc5c5\uc740\ud589\uc774 \ub9ac\uba3c \ube0c\ub77c\ub354\uc2a4\ub97c \uc778\uc218\ud558\uc600\ub2e4\uba74 \uc5b4\ub5a4 \ud30c\uad6d\uc774 \ucd08\ub798\ub418\uc5c8\uc744\uae4c\ub97c \uc0dd\uac01\ud558\uba74 \uae30\uac00 \ucc28\uace0 \uc544\ucc14\ud558\uae30\uae4c\uc9c0\ub3c4 \ud558\ub2e4.<\/p>\n<p>\u00a02008 \uc6d4\uac00\ubd95\uad34 \ud6c4 \ud30c\uc0dd\uae08\uc735\uc0c1\ud488\ubb38\uc81c\ub294 \uc77c\ub2e8 \ub9ac\uba3c \ube0c\ub77c\ub354\uc2a4 \ud558\ub098\uc758 \ud76c\uc0dd\uc591\uc73c\ub85c \uc678\ud615\uc801\uc73c\ub85c\ub294 \uc77c\ub2e8\ub77d\ub41c \ub4ef\ud558\uc9c0\ub9cc \uadf8 \ucd08\uac15\ub825 \uc2dc\ud55c\ud3ed\ud0c4\uc73c\ub85c\uc11c\uc758 \ubcf8\uc9c8\uc801 \ubb38\uc81c\ub294 2013\ub144 \uc9c0\uae08\ub3c4 \uc5ec\uc804\ud788 \uc9c4\ud589 \uc911\uc774\ub098 \uc5ed\uc2dc \ubb3c\ubc11\uc5d0 \uac00\ub824\uc9c4 \uc0c1\ud0dc\ub2e4. \uadf8\ub7ec\ud568\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc804 \uc138\uacc4\uc801\uc73c\ub85c \uac15\ud558\uac8c \uc774 \ubb38\uc81c\ub97c \uc81c\uae30\ud558\ub294 \uc8fc\uc7a5\uc740 \uac04\ud639 \ubaa8\uae30\uc18c\ub9ac\ucc98\ub7fc \uc7a0\uae50\uc529 \ub4e4\ub9ac\uace4 \ud558\ub2e4\uac00 \uae08\ubc29 \ub610\ub2e4\uc2dc \uc218\uba74 \uc544\ub798\ub85c \uac00\ub824\uc9c0\ub294 \uad6c\ub3c4\uac00 \uc544\uc9c1\ub3c4 \uc5ec\uc804\ud788 \uacc4\uc18d \ubc18\ubcf5\ub418\uace0 \uc788\ub2e4.<\/p>\n<p>\u00a0\ud544\uc790\uac00 \uc774\ub97c \uc7ac\ub860\ud558\ub294 \uc774\uc720\ub294 \ub610\ub2e4\uc2dc \ubc15\uadfc\ud61c\uc815\ubd80\uc758 \ucd9c\ubc94\uc5d0 \uc988\uc74c\ud558\uc5ec \uc774\uc81c \uae08\uc735\uc740 \uc2e4\ubb3c\uacbd\uc81c \ud2b9\ud788 \uc81c\uc870\uc5c5\uc744 \uc9c0\uc6d0\ud558\ub294 \uc218\uc900\uc5d0\ub9cc \uba38\ubb3c\uc9c8 \ub9d0\uace0 \uae08\uc735\uacfc \uad00\ub828\ud55c \uaddc\uc81c\ub97c \ud655\ud480\uc5b4\uc11c \uae08\uc735\uc790\uccb4\ub97c \ud558\ub098\uc758 \uc0b0\uc5c5\uc73c\ub85c \ud0a4\uc6cc\uc11c \uba39\uace0\uc0b4\uc790\ub294 \uc8fc\uc7a5\uc774 \ub610\ub2e4\uc2dc \uc81c\uae30\ub418\uace0 \uc788\uae30 \ub54c\ubb38\uc774\ub2e4. \uadf8\ub9ac\uace0 \uc774\ub7f0 \uc8fc\uc7a5\uc758 \uc774\uba74\uc5d0\ub294 \uc5b4\ub5a4 \ud615\ud0dc\ub85c\ub4e0 \ud544\uc2dc \ud30c\uc0dd\uae08\uc735\uc758 \uc544\uc774\ub514\uc5b4\uac00 \uae4a\uc219\uc774 \ub3c4\uc0ac\ub9ac\uace0 \uc788\ub2e4\uace0 \ubcf4\uae30 \ub54c\ubb38\uc774\ub2e4.<\/p>\n<p>\u00a0\uc0ac\uc2e4 \ud30c\uc0dd\uae08\uc735\uc0c1\ud488 \ubb38\uc81c\ub97c \uc774\ud574\ud558\ub824\uba74 2\ucc28 \uc138\uacc4\ub300\uc804 \uc885\uc804 \ud6c4\uc758 \uc138\uacc4\uacbd\uc81c \ud2b9\ud788 \ubbf8\uad6d\uacbd\uc81c\uc758 \ud750\ub984\uc744 \uc7a0\uc2dc \uc0b4\ud3b4\ubcfc \ud544\uc694\uac00 \uc788\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>\uc138\uacc42\ucc28 \ub300\uc804(1939-1945)\uc740 \ubbf8\uad6d\uc744 \uc81c\uc678\ud55c \uc2b9\uc804\uad6d\uacfc \ud328\uc804\uad6d \ubaa8\ub450\uc5d0\uac8c \uc2ec\ub300\ud55c \ud53c\ud574\ub97c \uc8fc\uc5c8\uace0 \ubb3c\uc790\uc808\ub300\ubd80\uc871\uc2dc\ub300\ub97c \ub9de\uac8c \ub418\uc5c8\ub294\ub370 \uc774\ub294 \uc808\ubb18\ud558\uac8c\ub3c4 \ub300\ub7c9\uc0dd\uc0b0\ud601\uba85\uc744 \uc8fc\ub3c4\ud574 \uc628 \ubbf8\uad6d\uae30\uc5c5\ub4e4\ub85c \ud558\uc5ec\uae08 \ub300\ub7c9\uc0dd\uc0b0\uccb4\uc81c\ub97c \uc9c0\uc18d\ud560 \uc218 \uc788\ub294 \uae30\ubc18\uc774 \ub418\uc5c8\ub2e4. \uc774\ub7f0 \uc2dc\ub300\uc801 \ubc30\uacbd\uc5d0\uc11c 1950\ub144\ub300\uc5d0\uc11c 1960\ub144\ub300\uc5d0 \uac78\uccd0 \ubbf8\uad6d \uae30\uc5c5\ub4e4\uc740 \uc0b0\uc5c5\uc5d0 \ub530\ub77c \uc815\ub3c4\uc758 \ucc28\uc774\ub294 \uc788\uc5c8\uc9c0\ub9cc \uac70\uc758 \ubaa8\ub4e0 \uc0b0\uc5c5\ubd84\uc57c\uc5d0\uc11c \ub2e4\uac01\ud654\ub97c \ud1b5\ud574 \uc778\ub958\uc5ed\uc0ac\uc0c1 \ucd08\uc720\uc758 \ub300\ub7c9\uc0dd\uc0b0-\ub300\ub7c9\uc720\ud1b5-\ub300\ub7c9\uc18c\ube44\ub85c \uc774\uc5b4\uc9c0\ub294 \ub300\ub7c9\uacbd\uc81c\uc2dc\ub300\ub97c \uc8fc\ub3c4\ud560 \uc218 \uc788\uac8c \ub418\uba74\uc11c \ubbf8\uad6d\uc740 \uc138\uacc4\uacbd\uc81c\uc758 \ubc18(\u534a)\uc744 \uc810\ud558\ub294 \ub9c9\uac15\ud55c \uacbd\uc81c\ub825\uc744 \uc950\uac8c \ub418\uc5c8\ub2e4. \uadf8\ub7ec\ub098 \ubbf8\uad6d\uae30\uc5c5\ub4e4\uc740 \uc774\ub7f0 \uacfc\uc815\uc5d0\uc11c \uc810\uc810 \uc624\ub9cc\/\uad50\ub9cc\ud574 \uc9c0\uba74\uc11c \ud601\uc2e0\ub178\ub825\uc744 \uac8c\uc744\ub9ac \ud558\uac8c \ub418\uc5c8\uace0 \uc5ec\uae30\uc5d0 \ub354\ud574 \ub178\uc870\uac00 \ub9c9\uac15\ud55c \ud798\uc744 \uac16\uac8c \ub418\uba74\uc11c\ubd80\ud130\ub294 \ub354\ub354\uc6b1 \ud601\uc2e0\ud65c\ub3d9\uc774 \ub4b7\uc804\uc73c\ub85c \ubc00\ub9ac\ub294 \ud604\uc0c1\uc774 \uc5ec\uae30\uc800\uae30\uc11c \uc0dd\uae30\uac8c \ub418\uc5c8\ub2e4.<\/p>\n<p>\u00a0\uc5ec\uae30 \uc5d0 \ub354\ud558\uc5ec \ud328\uc804\uad6d\uc778 \uc11c\ub3c5\uacfc \uc77c\ubcf8\uc774 1950\ub144\ub300\uc5d0 \uc804\ud6c4 \ubcf5\uad6c\uccb4\uc81c\ub97c \uac16\ucd94\uace0 1960\ub144\ub300 \ub4e4\uc5b4 \ubbf8\uad6d\uc744 \ub9f9\ucd94\uaca9\ud558\uc790 \ubbf8\uad6d\uc758 \uc8fc\uc885\uc0b0\uc5c5\uc778 \uc81c\uc870\uc5c5\uc774 \uacbd\uc7c1\ub825\uc744 \uc783\uc5b4\uac00\uba70 \ubbf8\uad6d\uc758 \uacbd\uc81c\ub825\uc774 \uc57d\ud654\ub418\uae30 \uc2dc\uc791\ud588\uace0 \uae09\uae30\uc57c 1971\ub144\uc5d0 \uc774\ub974\ub7ec\uc11c\ub294 1944\ub144 \uacb0\uc131\ub41c \uace0\uc815\ud658\uc728\uc81c\uc758 \ube0c\ub798\ud2bc \uc6b0\uc988 \uc2dc\uc2a4\ud15c\uc774 \uae68\uc9c0\uba74\uc11c \ubcc0\ub3d9\ud658\uc728\uc81c\ub85c \uc804\ud658\ub420 \uc218\ubc16\uc5d0 \uc5c6\uac8c \ub418\uc5c8\uace0 \uadf8\ub798\uc11c \ud658\uc728\ubcc0\ub3d9\uc774 \ubd88\uac00\ud53c\ud558\uac8c \ub418\uc5c8\ub2e4.<\/p>\n<p>\u00a0\uc124\uc0c1\uac00\uc0c1\uc73c\ub85c 1973\ub144\uc5d0 \ud130\uc9c4 1\ucc28 \uc624\uc77c\uc1fc\ud06c\ub85c \ud658\uc728\ubcc0\ub3d9\uc740 \ub354\uc6b1 \uac70\uc138\uc9c0\uae30 \uc2dc\uc791\ud588\uace0 \uadf8\ub798\uc11c \uae08\uc735\uae30\uad00\ub4e4\uc740 \uc704\ud5d8\uc744 \uc798 \uad00\ub9ac\ud560 \uc218 \uc788\ub294 \ud5e4\uc9c0(hedge)\ud615 \uae08\uc735\uc0c1\ud488\uc744 \uac1c\ubc1c\ud558\uac8c \ub418\uc5c8\ub2e4. \uadf8\ub7ec\ub2e4 1979\ub144 2\ucc28\uc624\uc77c \uc1fc\ud06c\uac00 \ub610 \ud130\uc9c0\uba74\uc11c \uc138\uacc4\uac00 \ucd08(\u8d85)\uacbd\uc7c1\uc0c1\ud669\uc73c\ub85c \uc2ec\ud654\ub418\ub294 \uac00\uc6b4\ub370 \uc704\ud5d8\ubcc0\ub3d9\uc774 \ub354 \ubd88\ud655\uc2e4\ud574\uc9c0\uace0 \uc0c1\ub840(\u5e38\u4f8b)\ud654\ub418\ub294 \ubd84\uc704\uae30\uc5d0\uc11c 1980\ub144\ub300 \ucd08\ubc18 \ub808\uc774\uac74 \uc815\ubd80\uac00 \ucd94\uad6c\ud55c \uc2e0\uc790\uc720\uc8fc\uc758 \uae30\uce58\uc544\ub798 \uae08\uc735\uc2dc\uc7a5\uc5d0 \ub300\ud55c \uaddc\uc81c\uc644\ud654\ub97c \ub2e8\ud589\ud558\uc600\ub2e4. \uadf8\ub7ec\uc790 \ub9ce\uc740 \uc2e0\uaddc \uae08\uc735 \uc911\uac1c\uc5c5\uc790\ub4e4\uc774 \uc9c4\uc785\ud558\uac8c \ub418\uc5c8\uace0 \uc774\ub4e4\uc774 \ucef4\ud4e8\ud130\ub97c \ud65c\uc6a9\ud55c \uc815\ubcf4 \ubd84\uc11d\uc744 \uae30\ucd08\ub85c \uc704\ud5d8\uc744 \uc5ec\ub7ec \uad6c\uc131\ub2e8\uc704\ub85c \ucabc\uac1c\uc5b4 \uace0\uac1d\ub4e4\uc774 \ubcf4\ub2e4 \ud6a8\uacfc\uc801\uc73c\ub85c \uc704\ud5d8\uc744 \uad00\ub9ac\ud560 \uc218 \uc788\ub294 \uc0c8\ub85c\uc6b4 \ud615\ud0dc, \uc608\ucee8\ub300 \uc120\ubb3c(futures), \ud3ec\uc6cc\ub4dc(forwards), \uc635\uc158(options), \uc2a4\uc651(swaps) \ub4f1\uc758 \uae08\uc735\uc0c1\ud488\ub4e4\uc744 \uc7ac\ubb34\uacf5\ud559(financial engineering)\uc774\ub780 \uc774\ub984\uc73c\ub85c \uc81c\uacf5\ud558\uac8c \ub418\uba74\uc11c \ud30c\uc0dd\uae08\uc735\uc0c1\ud488 \uc2dc\uc7a5\uc774 \ud615\uc131\ub418\uac8c \ub418\uc5c8\ub2e4.<\/p>\n<p>\u00a0<!--more--><\/p>\n<p>\ud30c\uc0dd\uae08\uc735\uc0c1\ud488\uc740 \uace0\uc704\ud5d8\uc744 \uac10\uc218\ud558\uba74\uc11c\ub3c4 \uace0\uc218\uc775\uc744 \ubc14\ub77c\ub294 \uc0c1\ub300\ubc29\uc5d0\uac8c \ub098\uc758 \uc704\ud5d8\uc744 \uc804\uac00\uc2dc\ud0a4\ub294 \ubc29\uc2dd\uc758 \uc0c1\ud488\uc774\ub2e4. \ub2e4\uc2dc \ub9d0\ud574 \ud30c\uc0dd\uae08\uc735\uc0c1\ud488\uc744 \uc0ac\uc6a9\ud558\ub294 \uc8fc\ub41c \ubaa9\uc801\uc740 \uc0c1\ub300\ubc29\uc5d0\uac8c \uc704\ud5d8\uc774 \uc99d\uac00\ud558\uc9c0\ub9cc \uace0\uc218\uc775\uc758 \uc7a0\uc7ac\uc131\uc744 \uc81c\uacf5\ud558\uba74\uc11c \uc790\uae30\uc758 \uc704\ud5d8\uc744 \uc904\uc774\ub294\ub370 \uc788\ub2e4. \ub530\ub77c\uc11c \uc5b4\ub5a4 \ud615\ud0dc\uc758 \uc790\uc0b0\uc5d0 \ub300\ud574\uc11c\ub4e0 \ud3ed\ub113\uc740 \ud30c\uc0dd\uc0c1\ud488\uacc4\uc57d\uc774 \uc2dc\uc7a5\uc5d0\uc11c \uad6c\uc0ac\ub420 \uc218 \uc788\uac8c \ub41c\ub2e4. \uc989, \ud30c\uc0dd\uc0c1\ud488\uc740 \uc0c1\ud488(commodities), \uc9c0\ubd84(equities), \uc8fc\uc2dd(stock), \ucc44\uad8c(bonds), \uc774\uc790\uc728(interest rates, \ud658\uc728(exchange rates), \ub610\ub294 \uc9c0\uc218(indexes) &#8211; \uc608\ucee8\ub300 \uc8fc\uac00\uc9c0\uc218(stock market index), \uc18c\ube44\uc790\uac00\uaca9\uc9c0\uc218(consumer price index: CPI)\ub294 \ubb3c\ub860 \uc2ec\uc9c0\uc5b4\ub294 \uae30\ud6c4\uc870\uac74 \ud30c\uc0dd\uc0c1\ud488(weather derivatives) \ud639\uc740 \uc5ec\ud0c0\uc758 \uac83\ub4e4\uc5d0 \ub300\ud574\uc11c\ub3c4 \ud30c\uc0dd\uc0c1\ud488\uc774 \uac1c\ubc1c\ub420 \uc218 \uc788\ub2e4.<\/p>\n<p>\u00a0\ud30c\uc0dd\uae08\uc735\uc0c1\ud488 \uc740 1980\ub144\ub300 \uc774\ud6c4 \ubbf8\uad6d\uc5d0\uc11c \uc81c\uc870\uc5c5 \uacf5\ub3d9(\u7a7a\u6d1e)\ud654\ud604\uc0c1\uc774 \uc2ec\ud654\ub418\uace0 \uc81c\uc870\uba54\uc774\ucee4\ub4e4\uc774 \uc11c\ube44\uc2a4, \uc720\ud1b5, \uae08\uc735 \ub4f1\uc758 \uc0ac\uc5c5 \ubd84\uc57c\ub85c \uc62e\uaca8\uac10\uc5d0 \ub530\ub77c \uacc4\uc18d 1990\ub144 \ub4e4\uc5b4\uc11c\uba74\uc11c \uae09\uc99d\ucd94\uc138\ub97c \ubcf4\uc600\ub294\ub370, \ubbf8\uad6d\uc758 \ubb34\uc5ed\uc218\uc9c0 \uc801\uc790\uac00 \uc0b0\uc0ac\ud0dc\ub97c \ub9de\uc740 \ub4ef \uae09\uc99d\ud558\uae30 \uc2dc\uc791\ud55c 1997\ub144 \uc774\ud6c4\ubd80\ud130\ub294 \ud30c\uc0dd\uae08\uc735\uc0c1\ud488\uc774 \ub354\uc6b1 \uae09\uaca9\ud788 \ube44\ub300\u00b7\uac70\ub300\ud654\ub418\uc5b4 \uc654\ub2e4.<\/p>\n<p>\u00a0\uc81c\uc870\uc5c5\uc744 \uc783\uc5b4\ubc84\ub9ac\uace0 \ub3c8 \uc7a5\uc0ac\uac00 \ubc1c\ud765\ud558\uace0 \uadf8\ub798\uc11c \ub354 \ub354\uc6b1 \uc704\ud5d8\uc7a5\uc0ac\uafbc\ub4e4\uc774 \ub364\ubcbc\ub4e4\uba74\uc11c \ud30c\uc0dd\uae08\uc735\uc0c1\ud488\uc2dc\uc7a5\uc774 \ub9c8\uce58 \ubbf8\uad6d\uc758 \uc0c8\ub85c\uc6b4 \uc8fc\uc885\uc0b0\uc5c5\uc778\uc591 \uadf9\uc131\uc744 \ubd80\ub9ac\uba70 2000\ub144\ub300 \ub4e4\uc5b4 \uba87 \ub144\uac04 \ucd5c\ub300\uc758 \ud638\ud669\uc744 \ub204\ub9ac\uba70 \ubc84\ud168\uc62c \uc218 \uc788\uc5c8\ub2e4. \uadf8\ub7ec\ub098 \ud30c\uc0dd\uae08\uc735\uc0c1\ud488\uc2dc\uc7a5\uc774 \ud638\ud669\uc774\uba74 \ud638\ud669\uc77c\uc218\ub85d \uc2e4\ubb3c\uacbd\uc81c\ub294 \uacc4\uc18d \ubd80\uc2e4\ud654\ub418\uba74\uc11c \uae08\uc735 \uc0b0\uc5c5\uc758 \uc0ac\uc5c5\uae30\ud68c\ub3c4 \uacc4\uc18d \uc904\uc5b4\ub4e4\uc5b4\uac00\uace0 \uad6d\uac00\uacbd\uc81c\ub3c4 \ub530\ub77c\uc11c \ubd80\uc2e4\ud574\uc9c0\uace0 \uc788\uc5c8\ub2e4.<\/p>\n<p>\u00a0\ud30c\uc0dd\uae08\uc735\uc0c1\ud488\uc2dc\uc7a5\uc758 \ud65c\ud669\uc73c\ub85c \uc99d\uad8c\ud654 \uac00 \uac00\ub2a5\ud55c \uc790\uc0b0\uc758 \ubd80\uc871\ud604\uc0c1\uc744 \ub9de\uac8c \ub418\uba74\uc11c \uc8fc\ud0dd\uc740 \uac16\uace0 \uc788\uc73c\ub098 \uc2e0\uc6a9\uc774 \ubd80\uc2e4\ud55c \uc0ac\ub78c\ub4e4\uc5d0\uac8c \uc870\ucc28\ub3c4 \uc8fc\ud0dd\uc744 \ub2f4\ubcf4\ub85c \ub3c8\uc744 \ub9c8\uad6c \ube4c\ub824\uc8fc\ub294 \uc7a5\uc0ac\uc5d0 \ub9e4\ub2ec\ub9ac\uac8c \ub418\uc5c8\uc744 \ubfd0\ub9cc \uc544\ub2c8\ub77c \ub354 \ub098\uc544\uac00\uc11c\ub294 \uc2e4\ubb3c\uc774 \uc6cc\ub099 \uc5c6\ub2e4 \ubcf4\ub2c8 \ubbf8\ub798\uc758 \uc57d\uc18d\uc744 \ud3ec\ud568\ud558\uc5ec \uc628\uac16 \uc9c0\uc218(indexes) \uc2ec\uc9c0\uc5b4\ub294 \ub0a0\uc528\uc758 \ubcc0\ud654\uae4c\uc9c0\ub3c4 \uc7ac\ubb34\uacf5\ud559(financial engineering)\uc774\ub780 \uc774\ub984\uc73c\ub85c \ud30c\uc0dd\uae08\uc735\uc0c1\ud488\uc73c\ub85c \uac1c\ubc1c\ud558\uc5ec \ud314\uc544\uba39\ub294 \uc704\ud5d8\uc7a5\uc0ac\uac00 \uadf9\uc131\uc744 \ubd80\ub9ac\uba74\uc11c \ubbf8\uad6d\uacbd\uc81c\uac00 \ub9c8\uce58 \ud65c\ud669\uc778 \uc591 \ucc29\uac01\ud558\uac8c \ud574\uc8fc\ub294 \ud615\uc0c1\uae4c\uc9c0 \ubc8c\uc5b4\uc9c0\uac8c \ub418\uc5c8\ub358 \uac83\uc774\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>\uc790, \uadf8\ub7ec\uba74 \ud30c\uc0dd\uae08\uc735\uc0c1\ud488\uc740 \ud22c\uae30\uc131\uc758 \ub3c4\uad6c\uc778\uac00 \uc544\ub2c8\uba74 \uace0\ucc28\uc801\uc778 \ud22c\uc790\ubc29\ubc95\uc778\uac00? \ud639\uc790\ub294 \ud30c\uc0dd\uae08\uc735\uc0c1\ud488\uc740 \uc704\ud5d8\uc744 \uc0ac\uace0\ud314 \uc218 \uc788\uac8c \ud574\uc90c\uc73c\ub85c \uacbd\uc81c\uc5d0 \uc720\uc775\uc744 \uc8fc\ub294 \uc21c\uae30\ub2a5(virtuous circle)\ub3c4 \uc788\ub2e4\uace0 \uc8fc\uc7a5\ud558\uc9c0\ub9cc \ud30c\uc0dd\uae08\uc735\uc0c1\ud488\uc740 \uc55e\uc5d0\uc11c \uc774\ubbf8 \uc124\uba85\ud588\ub4ef\uc774 \u2018\ub098\uc758 \uc704\ud5d8\uc744 \ub354 \ud070 \uc704\ud5d8\uc744 \uac10\uc218\ud558\uba74\uc11c \ub354 \ud070 \uc218\uc775\uc744 \uae30\ub300\ud558\ub294 \uc0c1\ub300\ubc29\u2019\uc5d0\uac8c \uc804\uac00\ud558\ub294 \ud22c\uae30\ub3c4\uad6c\ub85c\uc11c \ubcf8\uc9c8\uc0c1 \ub2e4\uc74c\uacfc \uac19\uc740 \ubb38\uc81c\ub97c \uc548\uace0 \uc788\ub2e4.<\/p>\n<ol>\n<li>\ud30c\uc0dd\uae08\uc735\uc0c1\ud488\uc740 \ubcf8\uc9c8\uc801\uc73c\ub85c \uc81c\ub85c\uc12c\uc758 \ube44\uc0dd\uc0b0\uc801 \ud65c\ub3d9\uc774\ub2e4. \uadf8\ub7ec\ubbc0\ub85c \uadf8 \uc720\uc9c0\ube44\uc6a9\ub9cc\ud07c\uc740 \ud56d\uc0c1 \uad6d\uac00\uacbd\uc81c\uc5d0 \ubd80\ub2f4\uc744 \uc8fc\uae30 \ub54c\ubb38\uc5d0 \uc2e4\uc81c\ub85c\ub294 negative-sum\uc758 \ube44\uc0dd\uc0b0\uc801 \ud65c\ub3d9\uc774\ub2e4.<\/li>\n<li>\u00a0\uc704\ud5d8\uad00\ub9ac\uc758 \uc774\ub860\uc801 \uae30\ucd08\uc778 \uc7ac\ubb34 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc774\ub860(portfolio theory)\uc5d0 \uc758\ud560 \uac83 \uac19\uc73c\uba74 \ubd84\uc0b0\ud22c\uc790\ub97c \ud1b5\ud574\uc11c \uad00\ub9ac\uac00 \uac00\ub2a5\ud55c \uc704\ud5d8\uc740 \uccb4\uacc4\uc801 \uc704\ud5d8(systemic risk)\uacfc \ube44\uccb4\uacc4\uc801 \uc704\ud5d8(un-systemic risk) \uc911\uc5d0\uc11c \ube44\uccb4\uacc4\uc801 \uc704\ud5d8\ubfd0\uc778\ub370 \ud30c\uc0dd\uae08\uc735\uc0c1\ud488\uc758 \uacbd\uc6b0 \uc804 \uc138\uacc4\uc801\uc73c\ub85c \ubcf4\uba74 \uc704\ud5d8\uc774 \uba87 \uac1c\uc758 \uc0c1\uc704 \uae00\ub85c\ubc8c \uae08\uc735\uae30\uad00\uc5d0 \uc9d1\uc911\ub418\uc5b4 \uc788\uc5b4 \uac70\uae30\uc5d0\uc11c \uc624\ub294 \uccb4\uacc4\uc801 \uc704\ud5d8(systemic risk)\uc740 \uc774\ub860\uc801\uc73c\ub85c\ub3c4 \uc2e4\ubb34\uc801\uc73c\ub85c\ub3c4 \ub3c4\uc800\ud788 \uad00\ub9ac\ud560 \ubc29\ubc95\uc774 \uc804\ud600 \uc5c6\ub294 \uae08\uc735\uc0c1\ud488\uc5d0 \ubd88\uacfc\ud558\ubbc0\ub85c \uc704\ud5d8\uc744 \ud5e4\uc9c0(hedge)\ud574 \uc8fc\ub294 \uae08\uc735\uc0c1\ud488\uc774 \uacb0\ucf54 \uc544\ub2c8\ub2e4.<\/li>\n<li>\u00a0\uc704\ud5d8\uc744 \ucabc\uac1c\uc11c \ud30c\ub294 \ud30c\uc0dd\uc0c1\ud488\uc758 \ud2b9\uc131\uc0c1 \ud314\uace0 \uc0ac\ub294 \uacfc\uc815\uc5d0 \ubbf8\uacb0\uc7ac \ubd80\ucc44(outstanding debts)\uac00 \uacc4\uc18d \uc5f0\uacb0\ub418\uae30 \ub54c\ubb38\uc5d0 \uc2dc\uc7a5\uc5d0\uc11c \uc57d\uac04 \uc0ac\uae30\ub97c \uce58\uac70\ub098 \uc2dc\uc7a5\uc744 \uc870\uc791\ud558\uac70\ub098 \uac00\uaca9\uc744 \uc18c\ud3ed \uad50\ub780\uc2dc\ud0ac \uacbd\uc6b0\uc77c\uc9c0\ub77c\ub3c4 \uc5f0\uacb0\uace0\ub9ac\ub97c \ud0c0\uace0 \ud22c\uc790\uc790\ub4e4\uc774 \uac10\ub2f9\ud560 \uc218 \uc5c6\uc744 \uc815\ub3c4\uc758 \uc5c4\uccad\ub09c \ub300\ub7c9\uc0b4\uc0c1 \uc7ac\ubb34\ubb34\uae30(financial weapon of mass destruction)\ub85c \uc791\uc6a9\ud558\uc5ec \uc5c4\uccad\ub09c \ud30c\uad6d\uc744 \ucd08\ub798\ud560 \uc218 \uc788\ub2e4.<\/li>\n<li>\u00a0\ub3c8\uc774 \uc77c\ub2e8 \ud30c\uc0dd\uc0c1\ud488\uc2dc\uc7a5\uc73c\ub85c \ud758\ub7ec \ub4e4\uc5b4\uac00\uba74 \uc808\ub300\ub85c \ube60\uc838 \ub098\uc624\uc9c0 \uc54a\ub294 \ubd88\ub799\ud640(black hole)\ub85c \uc791\uc6a9\ud558\uc5ec \uc2e4\ubb3c\uacbd\uc81c\ub294 \uc810\uc810 \uc904\uc5ec \ub4e4\uac8c \ub418\uace0 \uadf8\ub798\uc11c \uacb0\uad6d\uc740 \uacbd\uae30\uce68\uccb4\ub098 \uacf5\ud669\uc744 \ucd08\ub798\ud560 \uc218 \uc788\uac8c \ub41c\ub2e4.<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<p>\uc694\ucee8\ub300 \ud30c\uc0dd\uae08\uc735\uc0c1\ud488\uc740 \ud55c\ub9c8\ub514\ub85c zero-sum\uc778 \ub3c4\ubc15\uc774\ub2e4. \uadf8\ub7f0\ub370 \ub3c4\ubc15\uc740 \ub3c4\ubc15\uc784\uc5d0\ub3c4 \uc5ec\ud0c0\uc758 \ub3c4\ubc15\uacfc\ub294 \ub2ec\ub9ac \ud06c\uac8c \ubb38\uc81c\ub420 \uc218 \uc788\ub294 \uac83\uc740 \uc774\ubbf8 \uc9c0\uc801\ud588\ub4ef\uc774 \uadf8 \uc5c4\uccad\ub09c \uaddc\ubaa8\uc640 \ud30c\uc0dd\uc0c1\ud488\uac70\ub798\uc758 \ubd88\uc548\uc815\uc131\uc5d0 \uc788\ub2e4.<\/p>\n<p>1997 \ub144 \ud604\uc7ac \ud30c\uc0dd\uc0c1\ud488 \uaddc\ubaa8\ub294 20\uc870 \uc5b5\ubd88\ub85c\uc11c \ub2f9\uc2dc\ub85c\uc11c\ub3c4 \uc740\ud589\ub3c8\uc774 \ud30c\uc0dd\uc0c1\ud488\uc73c\ub85c \ud758\ub7ec\ub4e4\uc5b4\uac04\ub2e4\uace0 \ub300\ub2e8\ud788 \uac71\uc815\ud588\uc5c8\ub294\ub370 10\ub144\uc774 \uc9c0\ub09c 2007\ub144 \ub9d0 \ud604\uc7ac GDP\ub294 11\uc870\uc5b5\ubd88\uc784\uc5d0 \ubc18\ud558\uc5ec \ud30c\uc0dd\uc0c1\ud488\uc758 \ubbf8\uacb0\uc7ac \ubd80\ucc44\uaddc\ubaa8\ub294 263\uc870 \uc5b5\ubd88\ub85c GDP\uc758 25\ubc30\uac00 \ub118\ub294 \uaddc\ubaa8\uc5d0\uc11c 2008 \ubbf8\uad6d \ubc1c \uc6d4\uac00\ubd95\uad34\uac00 \ud130\uc84c\ub358 \uac83\uc774\uace0 \uc774\ub294 \uace7 \uc9c0\uad6c\ucd0c \uc804\uc5ed\uc73c\ub85c \uadf8 \ud3ed\ubc1c \ud53c\ud574\ub97c \uc99d\ud3ed\uc2dc\ucf1c\uac14\ub2e4.<\/p>\n<p>2008 \ubbf8\uad6d \ubc1c \uc6d4\uac00\ubd95\uad34\uac00 \ud130\uc9c0\uc790 \ud30c\uc0dd\uae08\uc735\uc0c1\ud488\uc758 \ub300\ubd80\ubd84\uc774 \uc9d1\uc911\ub418\uc5b4 \uc788\ub294 \uc0c1\uc704 7\ub300 \uc740\ud589 \uc911\uc5d0\uc11c \uc81c\uc77c \uc791\uc740 \ub9ac\uba3c \ube0c\ub77c\ub354\uc2a4 \ud558\ub098\ub97c \uc6b0\uc120 \ud76c\uc0dd\uc591\uc73c\ub85c \ud558\uc5ec \uae09\ud55c \ubd88\uc744 \ub044\uace0\ub294 \uc7ac\uc815\uc808\ubcbd, \uc591\uc801\uc644\ud654\ub77c\ub294 \ub300\uc99d\uc694\ubc95\uc744 \uc544\uc9c1\uae4c\uc9c0\ub3c4 \uc9c0\uc18d\ud558\uba74\uc11c \ubbf8\uad6d\uc740 \uc2e4\ubb3c\uacbd\uc81c\uc758 \ub0b4\uc2e4\ud654 \ud2b9\ud788 \uc81c\uc870\uc5c5\uc758 \ubd80\ud65c\uc744 \ud1b5\ud574 \uadfc\ubcf8\uc801\uc778 \ud574\ubc95\uc744 \ucc3e\uc73c\ub824 \uc560\ub97c \uc4f0\uace0 \uc788\ub294 \ud615\uc0c1\uc774\ub2e4. \uadf8\ub7ec\ub098 \ub9ac\uba3c \ube0c\ub77c\ub354\uc2a4 \ud558\ub098\uc758 \ud76c\uc0dd\uc73c\ub85c \uc678\ud615\uc801\uc73c\ub85c\ub294 \uc77c\ub2e8\ub77d\ub41c \ub4ef\ud558\uc9c0\ub9cc \uadf8 \ucd08\uac15\ub825 \uc2dc\ud55c\ud3ed\ud0c4\uc73c\ub85c\uc11c\uc758 \ubcf8\uc9c8\uc801 \ubb38\uc81c\ub294 2013\ub144\uc778 \uc9c0\uae08\ub3c4 \uc5ec\uc804\ud788 \uc9c4\ud589 \uc911\uc774\ub77c\ub294 \uc0ac\uc2e4\uc740 \uc774\ubbf8 \uc124\uba85\ud55c \ubc14\uc774\ub2e4.<\/p>\n<p>\u00a0\ucd08\uac15\ub825 \uc2dc\ud55c\ud3ed\ud0c4\uc73c\ub85c\uc11c\uc758 \ubcf8\uc9c8\uc801 \ubb38\uc81c\ub97c \uadf8\ub300\ub85c \uc548\uace0 \uc788\ub294 \uc0c1\ud669\uc784\uc5d0\ub3c4 \uae08\uc735\ud30c\uc0dd\uc0c1\ud488\uc744 \uc5fc\ub450\uc5d0 \ub454 \uc8fc\uc7a5\ub4e4\uc774 \ubc15\uadfc\ud61c \uc815\ubd80\uc758 \ucd9c\ubc94\uc2dc\uae30\uc5d0 \ub9de\ucd94\uc5b4 \uc9c0\ub09c \uc774\uba85\ubc15 \uc815\ubd80\uc758 \ucd9c\ubc94 \ub54c\ucc98\ub7fc \uaddc\uc81c\ub97c \ud655 \ud480\uc5b4\uc11c \uae08\uc735\uc120\uc9c4\ud654\ub97c \uc774\ub8e8\uace0, \uae08\uc735\uacbd\uc7c1\ub825\uc744 \uac15\ud654\ud574\uc57c\ud55c\ub2e4\ub294 \ub4f1\uc758 \uc8fc\uc7a5\uc774 \ub610\ub2e4\uc2dc \uc81c\uae30\ub418\ub294 \uac00\uc6b4\ub370 \uc5bc\ub9c8 \uc804 \ud55c\uad6d\uacbd\uc81c\uc758 \uc704\uae30\uc640 \uadf8\uc5d0 \ub300\ud55c \ucc98\ubc29\uc804\uc744 \ub0b4\ub193\uc740 \ub9e5\ud0a8\uc9c0(McKinsey)\uc758 \ubcf4\uace0\uc11c\ub97c \ub193\uace0 \uc124\uc655\uc124\ub798\ud558\uace0 \uc788\ub2e4.<\/p>\n<p>\u00a0\uadf8\ub3c4 \uadf8\ub7f4 \uac83\uc774 \ub9e5\ud0a8\uc9c0\uac00 \uc9c4\ub2e8\ud55c \ud55c\uad6d\uacbd\uc81c\uc758 \ud604\uc0c1\uacfc \ubb38\uc81c\uc810\ub4e4\uc5d0 \ub300\ud55c \uc9c4\ub2e8\uc5d0 \ub300\ud574\uc11c\ub294 \ub300\uccb4\ub85c \uacf5\uac10\ud558\uc9c0\ub9cc \uadf8\uc5d0 \ub300\ud55c \ucc98\ubc29\uc804\uc73c\ub85c \uc81c\uc5b8\ud55c \uc0c8\ub85c\uc6b4 \uc131\uc7a5\uacf5 \uc2dd\uc774\ub77c\ub294 \uac83\uc774 \ub17c\uac70\uac00 \ube48\uc57d\ud560 \ubfd0\ub9cc \uc544\ub2c8\ub77c \ube44\ud604\uc2e4\uc801\uc774\ub77c\ub294 \uc9c0\uc801\uc774 \uac15\ud558\uac8c \uc77c\uace0 \uc788\uc74c\uc5d0\ub3c4 \ubc15\uadfc\ud61c\uc815\ubd80\uc758 \uc815\ucc45\uacb0\uc815 \uadfc\ucc98\uc5d0 \uc788\ub294 \ube44\uc804\ubb38\uac00 \uc9d1\ub2e8\ub4e4\uc740 \uc6b0\uc120\uc740 \ud06c\uac8c \uacf5\uac10\ud558\ub294 \ubaa8\uc591\uc0c8\ub97c \ubcf4\uc774\ub294 \ub4ef\ud558\ub2e4. \uc6b0\uc120 \ub9e4\ud0a8\uc9c0\uc758 \uc0c8\ub85c\uc6b4 \uc131\uc7a5\uacf5\uc2dd\uc774\ub77c\ub294 \uac83\uc740 \ub2e4\uc74c\uc758 \ub450 \uac00\uc9c0\ub85c \uc694\uc57d\ub418\ub294 \ub4ef\ud558\ub2e4.<\/p>\n<ol>\n<li>\uc774\uc81c\ubd80\ud130\ub294 \ub300\uae30\uc5c5\uacfc \uc81c\uc870\uc5c5 \uc911\uc2ec\uc758 \uc131\uc7a5\ubc29\uc2dd\uc5d0\uc11c \ud0c8\ud53c\ud574 \uc911\uc18c\uae30\uc5c5\uacfc \uc11c\ube44\uc2a4(\uc758\ub8cc, \uad00\uad11, \uae08\uc735)\uc0b0\uc5c5\uc758 \uacbd\uc7c1\ub825 \uac15\ud654\ub97c \ud1b5\ud558\uc5ec \uc591\uc9c8\uc758 \uc77c\uc790\ub9ac \ucc3d\ucd9c\uacfc \uc911\uc0b0\uce35\uc758 \uc7ac\ubb34\uac74\uc804\uc131\uc744 \ud68c\ubcf5\uc2dc\ud0a4\uc790.<\/li>\n<li>\ub2e8\uae30 \uace0\uae08\ub9ac \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc744 \uc7a5\uae30 \uc800\uae08\ub9ac \ubaa8\uae30\uc9c0 \ub300\ucd9c\ub85c \uc804\ud658\ud558\uace0, \ub9ac\uc2a4\ud06c\ub97c \uc904\uc774\uae30 \uc704\ud574 &#8216;\ucee4\ubc84\ub4dc\ubcf8\ub4dc(\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\ucc44\uad8c\uc744 \ub2f4\ubcf4\ub85c \ud55c \uc720\ub3d9\ud654\uc99d\uad8c)&#8217;\ub97c \ubc1c\ud589\ud574 \ubcf4\uc790.<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<p>\uc6b0\uc120 \uadf8\uac04 \ud55c\uad6d\uacbd\uc81c\uc640 \uad00\ub828\ud558\uc5ec \uc8fc\uc7a5\ub4e4\uc5d0 \uc788\uc5b4\uc11c \ub17c\uac70\ub97c \uc54c \uc218 \uc5c6\ub294 \uc704\uc758 \uac83\ub4e4\uacfc \uac19\uc740 \uc8fc\uc7a5\uc740 \ub300\uccb4\ub85c \ub2e4\uc74c\uc758 \uba87 \uac00\uc9c0\ub85c \uc9d1\uc57d\ub420 \uc218 \uc788\ub2e4\uace0 \ubcf4\uc5ec \uc774\ub4e4\uc744 \uc7a0\uc2dc \ubcf4\uae30\ub85c \ud558\uc790.<\/p>\n<p style=\"padding-left: 30px;\"><strong>1) \uc81c\uc870\uc5c5\uc911\uc2ec\uc5d0\uc11c \uc11c\ube44\uc2a4\uc5c5 \uc911\uc2ec\uc73c\ub85c \ubb34\uac8c\uc774\ub3d9\ud558\uc790\ub294 \uc8fc\uc7a5<\/strong><\/p>\n<p style=\"padding-left: 30px;\">\u00a0\uad11\uc5c5-\uc18c\uc7ac\uc0b0\uc5c5-\ubd80\ud488\uc0b0\uc5c5-\uc870\ub9bd\uc0b0\uc5c5-\uc720\ud1b5\u00b7\uc11c\ube44\uc2a4\uc0b0\uc5c5-\ucd5c\uc885\uc0ac\uc6a9\uc790\uc5d0\uac8c\ub85c \uc774\uc5b4\uc9c0\ub294 \uac00\uce58\ucc3d\uc870\uc758 \uacfc\uc815\uc5d0\uc11c \uac00\uc7a5 \ud575\uc2ec\ubd80\ubb38\uc740 \uc81c\uc870\uc5c5(\uc18c\uc7ac-\ubd80\ud488-\uc870\ub9bd \uc0b0\uc5c5)\uacfc \uac74\uc124\uc5c5\uc774\ub2e4.<\/p>\n<p style=\"padding-left: 30px;\">\u00a0\uadf8\ub7f0\ub370 \uc11c\ube44\uc2a4\uc0b0\uc5c5\uc5d0 \ub300\ud55c \uaddc\uc81c\uc644\ud654\ub97c \ud1b5\ud574 \uc591\uc9c8\uc758 \uc77c\uc790\ub9ac\ub97c \ucc3d\ucd9c\ud558\uc794\ub2e4. \ud604\uc7ac \uaddc\uc81c\ub85c \uc778\ud574 \uc5b4\ub5a4 \uc11c\ube44\uc2a4\uc0b0\uc5c5\uc774 \ud65c\uc131\ud654\uac00 \uc548 \ub418\uc5b4 \uc591\uc9c8\uc758 \uc77c\uc790\ub9ac\uac00 \ucc3d\ucd9c\ub418\uc9c0 \ubabb\ud558\uace0 \uc788\ub2e4\ub294 \uc774\uc57c\uae30\uc778\uc9c0 \uadf8\ub9ac\uace0 \uc11c\ube44\uc2a4\uc0b0\uc5c5\uc774 \uacfc\uc5f0 \uc591\uc9c8\uc758 \uc77c\uc790\ub9ac\ub97c \ucc3d\ucd9c\ud574\uc8fc\ub294\uc9c0 \uadf8 \ub17c\uac70\uac00 \uc2ec\ud788 \uc758\uc2ec\uc2a4\ub7fd\ub2e4 \ubabb\ud574 \uc774\ub4e4\uc774 \ucc38\ub9d0\ub85c \uc5bc\uac04\uc774\ub4e4\uc774 \uc544\ub2cc\uac00 \ud558\ub294 \uc0dd\uac01\uc870\ucc28 \ub4e0\ub2e4.<\/p>\n<p style=\"padding-left: 30px;\">\u00a0\uc65c\ub0d0\ud558\uba74 2012\ub144 12\uc6d4 \ud604\uc7ac \uc720\ub7fd\uad6d\uac00\ub4e4 \uc911\uc5d0\uc11c \uc2e4\uc5c5\ub960\uc774 \uac00\uc7a5 \ub0ae\uc740 \uacf3\uc740 \ub3c5\uc77c\uacfc \uc2a4\uc704\uc2a4 \uc624\uc2a4\ud2b8\ub9ac\uc544\uc778\ub370 \uc774\ub4e4\uc758 \uc8fc\uc885\uc0b0\uc5c5\uc774 \uc5ec\ud0c0 \uc720\ub7fd \uad6d\uac00\ub4e4\uacfc\ub294 \ub2ec\ub9ac \uc81c\uc870\uc5c5\uc778 \uc810 \uadf8\ub9ac\uace0 \ubbf8\uad6d \uacbd\uc81c\uc758 \uc1e0\ub77d\ub3c4 \uacb0\uad6d\uc740 \uc81c\uc870\uc5c5\uc744 \ube7c\uc557\uae30\uba74\uc11c \ube44\ub86f\ub418\uc5c8\ub2e4\ub294 \uc0ac\uc2e4 \uadf8\ub9ac\uace0 \uc11c\ube44\uc2a4\uc5c5\uc758 \ucd5c\ub300 \uc218\uc694\uc790\ub294 \ubc14\ub85c \uc81c\uc870\uc5c5\uc774\ub77c\ub294 \uc0ac\uc2e4\uc740 \ubab0\ub77c\uc11c \uadf8\ub7f0 \uc18c\ub9b4 \ud55c\ub2e4\uace0 \uce58\ub354\ub77c\ub3c4 \ucd5c\uadfc \ubbf8\uad6d\uacfc \uc77c\ubcf8\uc5d0\uc11c\ub294 \uadf8\uac04 \ud574\uc678\ub85c \ube60\uc838\ub098\uac14\ub358 \uc790\uad6d \uc81c\uc870\uba54\uc774\ucee4\ub4e4\uc758 \uad6d\ub0b4\ub85c\uc758 \uc720\ud134\uc73c\ub85c \uc778\ud574 \ub2e4\uc2dc \uacbd\uc81c\uc758 \ud65c\ub85c\uac00 \ubcf4\uc774\uae30 \uc2dc\uc791\ud558\ub294 \uac83\uc740 \uadf8\ub4e4\uc758 \ub208\uc5d4 \ubcf4\uc774\uc9c8 \uc54a\ub294 \ubaa8\uc591\uc774\uae30\uc5d0 \ub9d0\uc774\ub2e4.<\/p>\n<p style=\"padding-left: 30px;\"><strong>2) \uc218\ucd9c\uc9c0\ud5a5\uc5d0\uc11c \ub0b4\uc218\uc9c0\ud5a5\uc73c\ub85c \ubc29\ud5a5\uc744 \ubc14\uafb8\uc790\ub294 \uc8fc\uc7a5<\/strong><\/p>\n<p style=\"padding-left: 30px;\">\u00a0\uc138\uacc4\uacbd\uc81c\uac00 \uc704\uae30\uc0c1\ud669\uc784\uc5d0\ub294 \ud2c0\ub9bc\uc5c6\uc9c0\ub9cc \ub3d9\ubc18 \uce68\ubab0\ub418\uc9c0 \uc54a\ub294 \ud55c \uc138\uacc4\uacbd\uc81c\uad6c\ub3c4\ub294 \ubbf8-EU-\uc77c\ubcf8-\uc911\uad6d \uad6c\ub3c4\uc5d0\uc11c ASEAN\uc744 \ud3ec\ud568\ud55c \ub2e4\uadf9(\u591a\u6975)\ub85c \uc774\ud589\ud574 \uac00\uace0 \uc788\ub294 \uacfc\ub3c4\uae30\ub97c \ub9de\uace0 \uc788\ub294 \uac83\uc73c\ub85c \uc138\uacc4\uc804\ubb38\uac00\uadf8\ub8f9\uc5d0\uc11c\ub294 \uc804\ub9dd\ud558\uace0 \uc788\ub2e4. \uadf8\ub9ac\uace0 \ud55c\uad6d\uc740 \uadf8\uac04 \uc218\ucd9c\uc9c0\ud5a5\uc815\ucc45\uc73c\ub85c \uc77c\uad00\ud574 \uc624\uba74\uc11c \uc5ec\uae30\uae4c\uc9c0 \uc654\uae30 \ub54c\ubb38\uc5d0 \ub300\uc678\uc9c0\ud5a5\uc815\ucc45\uc740 \uc120\ud0dd\uc758 \ubb38\uc81c\uac00 \uc544\ub2c8\ub77c \uc774\ud6c4\uc5d0\ub3c4 \uc9c0\uc18d\ud574\uc57c\ud560 \uc808\ub300\ud544\uc218\uc758 \ub300\uc804\uc81c\uc774\ub2e4. \ub354\uc6b1\uc774 \ud604\uc7ac \uc774\ud589\uc911\uc778 \ub2e4\uadf9\uad6c\ub3c4\uc5d0\uc11c\uc758 \uae00\ub85c\ubc8c \ub2c8\uc988\uc9c4\ud654\ub294 \ubc14\ub85c \ud55c\uad6d \uc218\ucd9c\ub300\uae30\uc5c5\ub4e4\uc774 \uac15\uc810\uc744 \uac16\uace0 \uc788\ub294 \ud45c\uc801\uc2dc\uc7a5\uc774 \ub420 \uac83\uc73c\ub85c \ubcf4\uace0 \uc788\ub2e4. \uc694\ucee8\ub300 \uc138\uacc4\uacbd\uc81c\uc758 \uc704\uae30\uc5d0\uc11c\ub3c4 \ud55c\uad6d\uc758 \uad6d\ubd80(\u570b\u5bcc)\ub294 \uae00\ub85c\ubc8c \ub2c8\uc988\uc9c4\ud654(needs evolution)\uc5d0 \uc801\uc751\ud558\ub294 \ub300\uc678\uc9c0\ud5a5\uc758 \ud601\uc2e0\uae30\uc5c5\uad70\uc5d0 \uc758\ud574 \ucc3d\ucd9c\ub420 \uc218\ubc16\uc5d0 \uc5c6\uc73c\uba70 \uc774\ub294 \uc6b0\ub9ac\uc758 \uc0dd\uc874 \ubc0f \ubc88\uc601\uc758 \ub17c\ub9ac\ud1a0\ub300\uc774\uae30\ub3c4 \ud558\ub2e4. \ubc14\ub85c \uc774\uc810\uc740 \uc6b0\ub9ac\uc758 \ubc14\ub78c\uc9c1\ud55c \uc0b0\uc5c5\uad6c\uc870\ub294 \uc81c\uc870\uc5c5\uc744 \uc11c\ube44\uc2a4\uc5c5\uc73c\ub85c \ub300\uccb4\uc2dc\ud0a4\ub294 \uac83\uc774 \uc544\ub2c8\ub77c \uc81c\uc870\uc5c5 \uae30\ubc18\uc758 \uc0b0\uc5c5\uad6c\uc870\ub97c \uace0\ub3c4\ud654(\uc870\ub9bd\uc0b0\uc5c5 \uc911\uc2ec\uc5d0\uc11c \ubd80\ud488-\uc18c\uc7ac \uc0b0\uc5c5\uc73c\ub85c\uc758 \uace0\ub3c4\ud654\ub97c \uc758\ubbf8\ud568)\uc2dc\ud0a4\uba74\uc11c \uc11c\ube44\uc2a4\uc5c5\uc744 \ud0a4\uc6b0\ub294\ub370 \ucd08\uc810\uc744 \ub9de\ucd94\uc5b4\uc57c \ud55c\ub2e4.<\/p>\n<p style=\"padding-left: 30px;\"><strong>3) \ub300\uae30\uc5c5\ubc29\uc2dd\uc744 \ud0c8\ud53c\ud558\uc5ec \uc911\uc18c\uae30\uc5c5\ubc29\uc2dd\uc73c\ub85c \uc804\ud658\ud558\uc790\ub294 \uc8fc\uc7a5<\/strong><\/p>\n<p style=\"padding-left: 30px;\">\u00a0\uc774 \uc8fc\uc7a5\uc744 \ud560 \ub54c\uba74 \uc758\ub840 \ub300\ub9cc(\u81fa\u7063)\uc744 \uac70\ub860\ud558\uace4 \ud558\ub294\ub370 \uc774\ub294 \ub300\ub9cc\uacfc \ud55c\uad6d\uc758 \uc0b0\uc5c5\ud654 \ubc30\uacbd\uc5d0 \ub300\ud55c \uc774\ud574 \ubd80\uc871\uc5d0\uc11c \ube44\ub86f\ub41c \uac83\uc774\ub2e4. \uc989, \ub300\ub9cc\uacfc \ud55c\uad6d\uc758 \uc0b0\uc5c5\ud654 \ucc29\uc218(\u7740\u624b)\uc2dc\uae30\uc640 \uc218\ucd9c\uc9c0\ud5a5\uc758 \uc815\ucc45\uc801 \uc811\uadfc\uc740 \uc720\uc0ac\ud588\uc9c0\ub9cc \ub0b4\uc218\uc2dc\uc7a5 \uaddc\ubaa8\uba74\uc5d0\uc11c\uc758 \ucc28\uc774\uc640 \uc77c\ubcf8\uacfc\uc758 \uad6d\uc81c\uc801 \uad00\uacc4 \uba74\uc5d0\uc11c\uc758 \ucc28\uc774\ub85c \ud55c\uad6d\uc740 \ub300\uae30\uc5c5\ubc29\uc2dd\uc758 \uc218\ucd9c \ub4dc\ub77c\uc774\ube0c\ub97c, \ub300\ub9cc\uc740 \uc77c\ubcf8\uae30\uc5c5\uacfc\uc758 \uad6d\uc81c\uc218\uc9c1\ubd84\uc5c5\ubc29\uc2dd(captive company\uc804\ub7b5)\uc744 \ucde8\ud55c \uc811\uadfc\uc0c1\uc758 \ucc28\uc774\ub97c \uc774\ud574\ud574\uc57c \ud55c\ub2e4.<\/p>\n<p style=\"padding-left: 30px;\">\u00a0\uad6d\uc81c \uc218\uc9c1\ubd84\uc5c5\ubc29\uc2dd\uc740 \ud638\ud669\uae30\uc5d0\ub294 \uc798 \uc791\ub3d9\ud558\uc9c0\ub9cc \ubd88\ud669\uae30\uc77c \ub54c\ub098 \ud639\uc740 \ubaa8\uae30\uc5c5\uc774 \ud601\uc2e0\uc5d0\uc11c \ubc00\ub9ac\uac70\ub098 \ub610\ub294 \ubaa8\uae30\uc5c5\uc774 \uc57d\ud654\ub420 \ub54c\uc5d0\ub294 \ub3d9\ubc18\ud558\uac15\ud558\uac8c \ub418\ub294 \uc704\ud5d8\uc774 \ub530\ub974\uae30 \ub9c8\ub828\uc774\ub2e4. \uadf8\ub9ac\uace0 \ubaa8\ub4e0 \uae30\uc5c5\uc740 \uc644\uae09\uc758 \ucc28\uc774\ub294 \uc788\uc9c0\ub9cc \uc131\uc7a5\uc744 \uc9c0\ud5a5\ud558\uc9c0 \uc54a\uc73c\uba74 \ub3c4\ud0dc\ub418\uae30 \ub9c8\ub828\uc774\ubbc0\ub85c \ubaa8\ub4e0 \uc911\uc18c\uae30\uc5c5\uc740 \uc911\uacac\uae30\uc5c5\uc73c\ub85c \uc131\uc7a5\ud574\uc57c\ud558\uba70 \uc911\uacac\uae30\uc5c5\uc740 \ub610\ud55c \ub300\uae30\uc5c5\uc73c\ub85c \uc131\uc7a5\ud574\uc57c \ud55c\ub2e4.<\/p>\n<p style=\"padding-left: 30px;\">\u00a02008 \uae08\uc735\uc704\uae30\ub97c \uc804\ud6c4\ud55c \uc138\uacc4 \ub300\uae30\uc5c5\uc758 \uad6d\ubcc4 \ubcc0\ud654\ub294 \uad6d\uac00 \uac04 \uacbd\uc81c\ud30c\uc6cc\uc758 \ubd80\uce68\uc744 \uc798 \ubcf4\uc5ec\uc8fc\uace0 \uc788\ub294\ub370 \uadf8\uac04 \uc911\uc18c\uae30\uc5c5 \ubc29\uc2dd\uc758 \ub300\ubcc0\uad6d\uac00\ub85c \uc77c\uceec\uc5b4\uc838 \uc628 \ub300\ub9cc\uc758 \uacbd\uc6b0 2005\ub144 \ud3ec\ucd98 \uae00\ub85c\ubc8c 500\ub300\uae30\uc5c5\uc5d0 2\uac1c\uac00 \uc18d\ud574 \uc788\uc5c8\uc73c\ub098 2012\ub144 \ud604\uc7ac 6\uac1c\ub85c \uc99d\uac00\ud55c \uac83\uc740 \uc911\uc18c\uae30\uc5c5\uc5d0\uc11c \uc911\uacac\uae30\uc5c5\uc744 \uac70\uccd0 \ub300\uae30\uc5c5\uc73c\ub85c \uc9c4\ud654\ud558\ub294 \uc790\uc5f0\uc2a4\ub7f0 \uae30\uc5c5\uc131\uc7a5\ud504\ub85c\uc138\uc2a4\ub97c \uc798 \ubcf4\uc5ec\uc8fc\uace0 \uc788\ub2e4.<\/p>\n<p style=\"padding-left: 30px;\"><strong>4) \ub300\uae30\uc5c5-\uc911\uc18c\uae30\uc5c5\uc744 \uac11\uc744 \uad00\uacc4\ub85c\ub9cc \ubcf4\ub294 \uc8fc\uc7a5<\/strong><\/p>\n<p style=\"padding-left: 30px;\">\u00a0\ubaa8 \ub4e0 \uc911\uc18c\uae30\uc5c5\uc740 \uc911\uacac\uae30\uc5c5\uc744 \uac70\uccd0 \ub300\uae30\uc5c5\uc73c\ub85c \uc131\uc7a5\ud558\ub824 \ud55c\ub2e4. \uc774\ub294 \uc5b4\ub5a4 \uae30\uc5c5\uc774\ub4e0 \uc131\uc7a5\ud558\uc9c0 \uc54a\uc73c\uba74 \uc874\uc18d\ud560 \uc218 \uc5c6\ub294 \uc790\uc5f0\uc801 \uc9c8\uc11c\uc774\ub2e4. \uc989, \ubaa8\ub4e0 \uc870\uc9c1\uc740 \uc2dc\uac04\uc774 \uacbd\uacfc\ud568\uc5d0 \ub530\ub77c \uc870\uc9c1 \ub0b4\uc5d0 \ubb34\uc9c8\uc11c\ub3c4(entropy: 1\/capacity to change\ub85c \uc815\uc758, \ub530\ub77c\uc11c \ubcc0\ud654\ud558\uc9c0 \uc54a\uc73c\uba74 \ubb34\uc9c8\uc11c\ub3c4\uac00 \uadf9\uc5d0 \ub2ec\ud574 \uadf8 \uc870\uc9c1\uc740 \uc8fd\uc74c\uc744 \ub9de\uac8c \ub428)\uac00 \uc99d\uac00\ud558\uae30 \ub54c\ubb38\uc5d0 \uc774 \ubb34\uc9c8\uc11c\ub97c \ud138\uc5b4\ubc84\ub9ac\ub824\uba74 \ub04a\uc784\uc5c6\ub294 \ud601\uc2e0\uc744(\uc774\ub97c Negative Entropy\ub77c \ud568)\uc804\uac1c\ud574\uc57c \ud55c\ub2e4. \uc774\ub7f0 \uad00\uc810\uc5d0\uc11c \ub300\uae30\uc5c5\uacfc \uc911\uc18c\uae30\uc5c5\uc740 \ud601\uc2e0\uc744 \ud1b5\ud574 Win-Win\ud558\ub294 \uc0c1\uc0dd\uad00\uacc4\ub85c \uc9c4\ud654\ud558\ub294 \uacf5\ub3d9\uc6b4\uba85\uccb4\uc774\ub2e4. \ub530\ub77c\uc11c \ub300\uae30\uc5c5\uc774\ub4e0 \uc911\uc18c\uae30\uc5c5\uc774\ub4e0 \ub2c8\uc988\ub9de\ucda4\ud601\uc2e0\uc774 \ubd80\uc871\ud558\uba74 \uc5b8\uc81c\ub4e0 \uace4\uacbd\uc5d0 \ucc98\ud558\uac8c \ub428\uc744 2008 \uae08\uc735\uc704\uae30 \uc774\ud6c4\uc758 \ud55c\uad6d\uacfc \uc77c\ubcf8\uc758 Fortune 500 \uae30\uc5c5\ub4e4\uacfc Nokia\uc758 \ubd80\uce68\uc774 \uc774\ub97c \uc798 \uc2dc\uc0ac\ud574 \uc900\ub2e4.<\/p>\n<p style=\"padding-left: 30px;\">\u00a0\uadf8\ub7f0\ub370 \uc2e4\uc81c\ub85c \ub300\uae30\uc5c5\uacfc \uc911\uc18c\uae30\uc5c5 \uac04\uc758 \uac11\uc744(\u7532\u4e59) \uad00\uacc4\ub85c \ub300\uae30\uc5c5\uc774 \ud6a1\ud3ec\ub97c \ubd80\ub9ac\ub294 \uacbd\uc6b0\uac00 \uc788\ub294\ub370 \uae30\ubcf8\uc801\uc73c\ub85c \uc911\uc18c\uae30\uc5c5\uc758 \uc874\ub9bd\ubc30\uacbd\uc740 \uac15\ud55c \ud601\uc2e0\ub825\uc5d0 \uc788\uc73c\ubbc0\ub85c \ub354 \uac15\ud55c \ud601\uc2e0\uc744 \ud1b5\ud574 \uc911\uc18c\uae30\uc5c5\uc774 \uc624\ud788\ub824 \uac11\uc758 \uc704\uce58\uc5d0 \ub193\uc774\ub3c4\ub85d \ud574\uc57c \ud55c\ub2e4. \ubb3c\ub860 \uc911\uc18c\uae30\uc5c5\uc778\ub370 \uc5b4\ub5bb\uac8c \uac15\ud55c \ud601\uc2e0\uc744 \uc804\uac1c\ud560 \uc218 \uc788\ub290\ub0d0\uace0 \ubc18\ubb38\ud560 \uc218 \uc788\ub2e4. \uc2e4\uc81c\ub85c \ud601\uc2e0\ub825\uc774 \uc5c6\uac70\ub098 \ubbf8\uc57d\ud55c \uc911\uc18c\uae30\uc5c5\uc740 \uc5b4\ub5a4 \ud615\ud0dc\ub85c\ub4e0 \uc874\ub9bd\uc774 \uc5b4\ub835\uae30 \ub54c\ubb38\uc5d0 \uc911\uc18c\uae30\uc5c5\uc740 \uc2a4\uc2a4\ub85c \uac15\uc18c\ud601\uc2e0\uae30\uc5c5\uc774 \ub418\ub824\uace0 \ub178\ub825\ud574\uc57c \ud558\uba70 \uc815\ubd80\ub294 \uae30\uc5c5\uaddc\ubaa8\uac00 \uc791\ub2e4\uace0 \uc9c0\uc6d0\ud574\uc904 \uac83\uc774 \uc544\ub2c8\ub77c \ud601\uc2e0\uc758 \ud6a8\uacfc\uac00 \ud06c\uba70 \ud601\uc2e0\uc774 \uac00\ub2a5\ud55c \uc911\uc18c\uae30\uc5c5\uc744 \uc9d1\uc911 \uc9c0\uc6d0\ud574 \uc904 \ub54c \ub300\uae30\uc5c5\uacfc \uc911\uc18c\uae30\uc5c5\uc740 \uc790\uc5f0\uc2a4\ub808 \uc0c1\uc0dd(\u76f8\u751f)\uc758 \uad00\uacc4\ub85c \uc9c4\ud654\ud574 \uac08 \uac83\uc774\ub2e4.<\/p>\n<p style=\"padding-left: 30px;\"><strong>5) \uae08\uc735\uc11c\ube44\uc2a4\uc758 \uacbd\uc7c1\ub825\uc744 \uac15\ud654\ud558\uc790\ub294 \uc8fc\uc7a5<\/strong><\/p>\n<p style=\"padding-left: 30px;\">\u00a0\ub3c4\ub300\uccb4 \uae08\uc735\uc11c\ube44\uc2a4\uc758 \uacbd\uc7c1\ub825\uc774\ub780 \ubb34\uc5c7\uc744 \ub9d0\ud558\ub294 \uac83\uc778\uac00? \ud601\uc2e0\uc774 \uacbd\uc7c1\ub825\uc758 \uc6d0\ucc9c\uc784\uc744 \uac10\uc548\ud560 \ub54c \ubcf8\uc6d0\uc801\uc73c\ub85c \uae08\uc735\uc0c1\ud488\uc758 \ud601\uc2e0\ud6a8\uacfc\uac00 \uadf8\uc9c0 \ud06c\uc9c8 \uc54a\uc73c\ubbc0\ub85c \uc2e4\ubb3c\uacbd\uc81c\uc640 \ub9de\ubb3c\ub824 \ub3cc\uc544\uac00\uc9c0 \uc54a\ub294 \uae08\uc735\ud65c\ub3d9\uc740 \uc5b4\ub5a4 \ud615\ud0dc\ub85c\ub4e0 \uac70\ud488(bubble)\ub9cc\uc744 \ud0a4\uc6b8 \ubfd0\uc774\ub2e4. \uc774\ub7f0 \ub9e5\ub77d\uc5d0\uc11c \uae08\uc735\uc774 \uc2e4\ubb3c\uacbd\uc81c \ud2b9\ud788 \uc81c\uc870\uc5c5\uc744 \uc9c0\uc6d0\ud558\ub294 \uc218\uc900\uc5d0\ub9cc \uba38\ubb3c\uc9c8 \ub9d0\uace0 \uae08\uc735\uacfc \uad00\ub828\ud55c \uaddc\uc81c\ub97c \ud655 \ud480\uc5b4\uc11c \uae08\uc735\uc790\uccb4\ub97c \ud558\ub098\uc758 \uc0b0\uc5c5\uc73c\ub85c \ud0a4\uc6cc\uc11c \uba39\uace0 \uc0b4\uc790\ub294 \uc8fc\uc7a5\uc744 \uc811\ud560 \ub54c\uba74 \uae30\uac00 \ub9c9\ud788\uace0 \uc774\ub4e4\uc774\uc57c\ub9d0\ub85c \ub098\ub77c\ub97c \ub9d0\uc544\uba39\uc744 \uc0ac\ub78c\ub4e4\uc774\uad6c\ub098, \ud558\ub294 \uc0dd\uac01\uae4c\uc9c0\uace0 \ub5a8\uce60 \uc218\uac00 \uc5c6\ub2e4.<\/p>\n<p style=\"padding-left: 30px;\">\u00a0\ub354\uc6b1\uc774 \uc774\ub7f0 \uc0ac\ub78c\ub4e4\uc740 \uc758\ub840 \uc804\ubb38\uc131\uc744 \uc9c0\ub2c8\uc9c0 \ubabb\ud55c \uc77c\ubc18 \uad6d\ubbfc\uc740 \ubb3c\ub860 \uc815\ubd80 \uad00\ub8cc\ub4e4\uc774\ub098 \uc5b8\ub860\uc778\ub4e4\uc744 \ud604\ud639\uc2dc\ud0a4\uae30 \uc704\ud558\uc5ec \uc720\uc218\ud55c \uc678\uad6d \ucee8\uc124\ud305\uc0ac\uc758 \uc804\ubb38\uc801 \uacac\ud574\ub97c \ube4c\ub9ac\ub294 \uc591\uc0c1\uae4c\uc9c0\ub3c4 \uac70\uc758 \uc2b5\uad00\uc801\uc73c\ub85c \ubc8c\uc5ec\uc624\uace4 \ud558\uc600\ub2e4.<\/p>\n<p style=\"padding-left: 30px;\">\u00a0\uadf8\ub7f0\ub370 \uc720\uc218\ud55c \uc678\uad6d \ucee8\uc124\ud305\uc0ac\uc758 \uc804\ubb38\uc801 \uacac\ud574\ub77c\ub294 \uac78 \ubcf4\uba74 \ud604\uc0c1\uacfc \ubb38\uc81c\uc5d0 \ub300\ud55c \uc9c4\ub2e8\uc740 \uadf8\ub7f0\ub300\ub85c \uc9c0\uc801\ud558\uc9c0\ub9cc \ubb38\uc81c\ud574\uacb0\uc758 \ucc98\ubc29\uc804\uc774\ub77c\ub294 \uac8c \ud669\ub2f9\ubb34\uacc4\ud55c \uacbd\uc6b0\uac00 \ud5c8\ub2e4\ud55c\ub370 \uadf8 \uc88b\uc740 \uc608\uc758 \ud558\ub098\uac00 \ub9e5\ud0a8\uc9c0 \ubcf4\uace0\uc11c\uac00 \ub098\uc624\uc790 \u2018\ub9e5\ud0a8\uc9c0\ub77c\ub294 \ub9d0\ub9cc \ub4e4\uc5b4\ub3c4 \uce58\uac00 \ub35c\ub9b0\ub2e4.\u2019\ub294 LG\uadf8\ub8f9\uc758 \uc9c1\uaca9\ud0c4\uc5d0 \uac00\uae4c\uc6b4 \ubc18\uc751\uc774\ub2e4.<\/p>\n<p style=\"padding-left: 30px;\">\u00a0\uc774\ub294 \uc9c0\ub09c 15\uc5ec \ub144\uac04 \ub9e5\ud0a8\uc9c0\uc758 \uac74\uc124\ud305\uc744 \ubc1b\uc544\uc654\uc74c\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc2a4\ub9c8\ud2b8\ud3f0 \ud601\uba85(smart revolution)\uc774 \uc77c\uc5b4\ub098\uc790 \uadf8\uc5d0 \ud3b8\uc2b9\ud560 \uc5ed\ub7c9\uc744 \uac16\ucd94\ub294 \ub370 \uc808\ub300\ub85c \uc2e4\ud328\ud55c \uc0ac\uc2e4\uc744 \ub4a4\ub2a6\uac8c \uae68\ub2ec\uc740 LG\uac00 \ub9e5\ud0a8\uc9c0\ub97c \uacfc\uac10\ud788 \ub04a\uc5b4\ubc84\ub9ac\uace0 \uadf8\ub8f9\ucc28\uc6d0\uc5d0\uc11c \ub3c5\uc790\uc801\uc73c\ub85c \ud63c\uc2e0\uc758 \ub178\ub825\uc744 \uae30\uc6b8\uc774\uba74\uc11c \uc18c\uc704 \uc138\uacc4\uc801 \ucee8\uc124\ud305\uc0ac\uc778 \uadf8\ub4e4\uc758 \uc804\ubb38\uc131\uc5d0 \ub300\ud55c \ud55c\uacc4\uc640 \ud5c8\uad6c\uc131\uc744 \uc628\uc804\ud788 \ud130\ub4dd\ud55c\ub370\uc11c \ub0b4\ubcf4\uc778 \ubc18\uc751\uc778 \uac83\uc73c\ub85c \uc774\ud574\ub41c\ub2e4.<\/p>\n<p style=\"padding-left: 30px;\">\u00a0\uc774\uc81c \uac19\uc740 \ub9e5\ub77d\uc5d0\uc11c \ud30c\uc0dd\uae08\uc735\uc0c1\ud488\uc774 \uc9c0\ub2c8\ub294 \uc2dc\ud55c\ud3ed\ud0c4\uc73c\ub85c\uc11c\uc758 \ubd88\uc548\uc815\uc131\uacfc \ud3ed\ubc1c\ub85c \uc778\ud55c \uae00\ub85c\ubc8c \ud30c\uad6d\uac00\ub2a5\uc131\uc744 \uc720\ub150\ud560 \ub54c \uc138\uacc4\uacbd\uc81c\uc704\uae30\ud558\uc5d0\uc11c \uc9c4\uc815\ud55c \ud574\ubc95\uc740 \uc5ec\uc804\ud788 \uc2e4\ubb3c\uacbd\uc81c\uc758 \ub0b4\uc2e4\ud654\uc5d0\uc11c \ucc3e\uc9c0 \uc54a\uc73c\uba74 \uc548 \ub41c\ub2e4\ub294 \uac83 \uc54c \uc218 \uc788\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>\uadf8\ub807\ub2e4\uba74 \uc2e4\ubb3c\uacbd\uc81c\uc758 \ub0b4\uc2e4\ud654\uc758 \uc694\uccb4\ub294 \ubb34\uc5c7\uc77c\uae4c?<\/p>\n<p>\u00a0\ud544\uc790\ub294 \uadf8\uac04 \uc5ec\ub7ec \uce7c\ub7fc\uc774\ub098 \uad6d\ub0b4 \ubc0f \uad6d\uc81c\ud68c\uc758\ub97c \ud1b5\ud574\uc11c \ud55c \ub098\ub77c\uc758 \uad6d\ubd80(\u570b\u5bcc)\ub294 \uc0ac\ud68c\uc5d0 \uc720\uc775(positive sum)\uc744 \uc8fc\ub294 \uc81c\uc870\uc5c5(\uc18c\uc7ac-\ubd80\ud488-\uc870\ub9bd\uc0b0\uc5c5), \uac74\uc124\uc5c5, \uc11c\ube44\uc2a4\uc5c5, \uc720\ud1b5\uc5c5 \ub4f1\uc758 \uc2e4\ubb3c\uacbd\uc81c\ubd84\uc57c\uc5d0\uc11c \ud589\ud574\uc9c0\ub294 \uae30\uc220\ud601\uc2e0\uc73c\ub85c\ubd80\ud130 \uc5bb\uc5b4\uc9c4\ub2e4\ub294 \uc810\uc744 \uac15\uc870\ud558\uc5ec \uc654\ub2e4.<\/p>\n<p>\u00a0\uadf8\ub9ac\uace0 \uc77c\uad6d\uc758 \ubc14\ub78c\uc9c1\ud55c \uc0b0\uc5c5\uad6c\uc870\ub294 \uae30\uc874\uc0b0\uc5c5\uc758 \uace0\ub3c4\ud654(exploitation)\uc640 \uc2e0\uc131\uc7a5\ub3d9\ub825\uc0b0\uc5c5(exploration)\uacfc\uc758 \uade0\ud615\ud654(balancing)\uc758 \uad00\uc810\uc5d0\uc11c \ucd94\uad6c\ub418\uc5b4\uc57c \ud55c\ub2e4. \ud55c\ud3b8 \uadf8 \uc790\uccb4\uac00 \uc81c\ub85c\uc12c(zero sum)\uc774\ubbc0\ub85c \uadf8 \uc2dc\uc7a5\uc744 \uc720\uc9c0\ud558\ub294 \ub9cc\ud07c\uc740, \uc5b4\ub5a4 \uc0ac\uc774\ube44 \uc804\ubb38\uac00\uc9d1\ub2e8\uc5d0\uc11c \uc5b4\ub5a4 \uba85\ubd84\uacfc \ub17c\ub9ac\ub85c \uc544\ubb34\ub9ac \uac15\ud55c \uc8fc\uc7a5\uc744 \ud558\ub354\ub77c\ub3c4, \uacb0\uad6d \uad6d\uac00 \ubc0f \uad6d\ubbfc\uacbd\uc81c\ub97c \ud53c\ud3d0\ud654\uc2dc\ud0a4\ub294 \uae08\uc735\ud30c\uc0dd\uc0c1\ud488\uc774\uc57c\ub9d0\ub85c \uc77c\uad6d\uc744 \ud30c\uad6d(\u7834\u5c40)\uc5d0 \uc774\ub974\uac8c \ud558\ub294 \ucd08\uac15\ub825\uc2dc\ud55c\ud3ed\ud0c4\uc784\uc744 \uc6b0\ub9ac \ubaa8\ub450 \uba85\uc2ec\ud558\ub3c4\ub85d \ud558\uc790.<\/p>\n<p>&nbsp;<\/p>\n<p><em>\uae00 \/ \uae40\uc778\ud638 \ud55c\uc591\ub300 \uba85\uc608\uad50\uc218\u00b7\ub2e4\uc774\ub098\ubbf9 \ub9e4\ub2c8\uc9c0\uba3c\ud2b8 \ud559\ud68c\uc7a5<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ud30c\uc0dd\uae08\uc735\uc0c1\ud488 \ub9dd\uad6d\ub860\uc744 \ub610\ub2e4\uc2dc \uc81c\uae30\ud558\ub294 \uc774\uc720 2013.05.13 &nbsp; \ud544\uc790\ub294 2008\ub144 \uc774\uba85\ubc15(MB) \uc815\ubd80 \ucd9c\ubc94 \ubc14\ub85c \uc774\ud2c0 \ud6c4\uc778 2008\ub144 2\uc6d4 27\uc77c\uc5d0 \u2018\ud30c\uc0dd\uc0c1\ud488\uc5d0 \ub300\ud558\uc5ec \uc8fc\ubaa9\ud558\ub294 \uc774\uc720\u2019\ub77c\ub294 \uce7c\ub7fc\uc744 \ud55c\uad6d\uacbd\uc81c\uc2e0\ubb38\uc5d0 \uac8c\uc7ac\ud55c \ubc14 \uc788\uc5c8\ub2e4. \u00a0\uc774\uba85\ubc15 \ub300\ud1b5\ub839 \ub2f9\uc120\uc778 \uc2dc\uc808\ubd80\ud130 \uc194\uc194 \ub098\uc624\ub354\ub2c8 MB\uc815\ubd80\uac00 \ucd9c\ubc94\ud558\uc790\ub9c8\uc790 \uc6b0\ub9ac\ub3c4 \ub450\ubc14\uc774\ucc98\ub7fc \uae08\uc735\ud5c8\ube0c\ub97c \ub9cc\ub4e4\uc790, \uae08\uc735\uc120\uc9c4\ud654\ub97c \uc774\ub8e8\uc790, \uae08\uc735 \uc0b0\uc5c5\uacbd\uc7c1\ub825\uc744 \ub192\uc774\uc790, \ub4f1 \uae08\uc735\uacfc \uad00\ub828\ud55c \uc8fc\uc7a5\ub4e4\uc774 \uac11\uc790\uae30 \ub9e4\uccb4\uc5d0 \ubd80\uca4d \ub4f1\uc7a5\ud558\ub294 \ud615\uc0c1\uc774 \ubc8c\uc5b4\uc9c0\uae30 \uc2dc\uc791\ud588\ub2e4. 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