{"id":5666,"date":"2014-01-10T17:11:51","date_gmt":"2014-01-10T22:11:51","guid":{"rendered":"http:\/\/serony.com\/?p=5666"},"modified":"2018-07-24T16:35:11","modified_gmt":"2018-07-24T20:35:11","slug":"guest-blog-%ea%b9%80%ec%9d%b8%ed%98%b8%ec%9d%98-%ec%a1%b0%ea%b0%91%ec%a0%9c-%ec%bb%ac%eb%9f%bc-3","status":"publish","type":"post","link":"https:\/\/serony.com\/ken\/2014\/01\/10\/guest-blog-%ea%b9%80%ec%9d%b8%ed%98%b8%ec%9d%98-%ec%a1%b0%ea%b0%91%ec%a0%9c-%ec%bb%ac%eb%9f%bc-3\/","title":{"rendered":"Guest Blog: \uae40\uc778\ud638\uc758 \uc870\uac11\uc81c \uceec\ub7fc 3"},"content":{"rendered":"

\uc81c2\ucc28 \uacbd\uc81c\uc704\uae30\uac00 \ub2e4\uac00\uc624\uace0 \uc788\ub2e4!<\/strong><\/span><\/p>\n

2014.01.10<\/em><\/strong><\/p>\n

\n

\uc6b0\ub9ac\ub098\ub77c\ub97c \uba39\uc5ec \uc0b4\ub9b4 \ucca8\ub2e8\uacfc\ud559\uae30\uc220\uad50\uc721\uae30\uad00\uc774 \ub418\ub77c\uace0 \uad6d\ubbfc\uc138\uae08\uc73c\ub85c \uc9c0\uc6d0\ud574 \uc8fc\uace0 \uc788\ub294 KAIST \uae08\uc735\uc804\ubb38\ub300\ud559\uc6d0\uc5d0\uc11c\uc870\ucc28\ub3c4 \uadf8 \uba38\ub9ac \uc88b\uc740 \uc7a0\uc7ac\uc778\uc7ac\ub4e4\uc744 \ubaa8\uc544\ub2e4\uac00 \uc774 \ud30c\uc0dd\uae08\uc735\uc0c1\ud488\uc744 \uc804\uacf5\ud558\ub294\ub370 \ub300\ubd80\ubd84 \ub9e4\ub2ec\ub9ac\uac8c \ud558\ub294 \uaf34\uc744 \ubcf4\uba74 \ucc38\uc73c\ub85c \uae30\uac00 \ucc28\uace0 \uc544\uc5f0\uc2e4\uc0c9\ud574\uc9c0\uae30\ub3c4 \ud55c\ub2e4.<\/strong><\/p>\n<\/blockquote>\n

 <\/p>\n

\"\uae40\uc778\ud638<\/a>
\uae40\uc778\ud638 \uba85\uc608\uad50\uc218<\/figcaption><\/figure>\n

\uae34\uae09\uacbd\ubcf4: 2\ucc28 \uae08\uc735\ud575\ud3ed\ubc1c(\u6838\u7206\u767c) \uc784\ubc15!<\/strong><\/span><\/p>\n

\u00a0\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 \ud55c\uad6d\uacbd\uc81c\uc2e0\ubb38\uc5d0 \u2018\ud30c\uc0dd\uc0c1\ud488\uc5d0 \ub300\ud558\uc5ec \uc8fc\ubaa9\ud558\ub294 \uc774\uc720\u2019\ub77c\ub294 \uce7c\ub7fc\uc744 \uadf8\ub9ac\uace0 2013\ub144 5\uc6d4 14\uc77c \uc778\ud130\ub137\uacbd\uc81c\uc9c0 \ub370\uc77c\ub9ac\uc548\uc5d0 \uc7ac\ucc28 \u2018\ud30c\uc0dd\uae08\uc735\uc0c1\ud488 \ub9dd\uad6d\ub860\u2019\uc774\ub77c\ub294 \uce7c\ub7fc\uc744 \ud1b5\ud574 \ud30c\uc0dd\uae08\uc735\uc0c1\ud488\uc758 \uc0ac\uae30\uc131\uc744 \uc9c0\uc801\ud558\uace0 \uadf8 \uc704\ud5d8\uc131\uc744 \uacbd\uace0\ud55c\ubc14 \uc788\ub2e4.<\/p>\n

\ubb3c\ub860 2008\ub144 \ud544\uc790\uc758 \uacbd\uace0\uc131\uce7c\ub7fc\uc5d0 \ub300\ud574 \uad00\uc2ec\uc744 \ub450\ub294 \uc774\ub294 \ubcc4\ub85c \uc5c6\uc5c8\uc73c\ub098 \uacbd\uace0 \ud6c4 7\uac1c\uc6d4 \ub4a4 9\uc6d4\uc5d0 \uc6d4\uac00\ubd95\uad34(Wall Street meltdown)\ub77c\ub294 \uae08\uc735 \ud575\ud3ed\ud0c4(\u6838\u7206\u5f48)\uc774 \ud130\uc84c\uace0 \uadf8 \ub099\uc9c4(\uf918\u5875)\ud53c\ud574\ub294 5\uc5ec \ub144\uc774 \uc9c0\ub09c \uc9c0\uae08\ub3c4 \uc138\uacc4 \uc5ec\ub7ec \uacf3\uc5d0\uc11c \uc5ec\uc804\ud788 \uc2ec\uac01\ud560 \uc815\ub3c4\uc774\uba70 \ub354 \uc2ec\uac01\ud55c \uac83\uc740 2008\ub144 \uac83\uacfc\ub294 \ube44\uad50\ub3c4 \uc548 \ub420 \uc815\ub3c4\uc758 \ucd08\uac15\ub825 \ud30c\uc0dd\uae08\uc735\uc2dc\ud55c\ud3ed\ud0c4\uc774 \ucc30\uac01\ucc30\uac01 \ud3ed\ubc1c\uc744 \ud5a5\ud574 \uc7ac\ube60\ub974\uac8c \ub2e4\uac00\uac00\uace0 \uc788\ub2e4\ub294 \uc0ac\uc2e4\uc774\ub2e4.<\/p>\n

\uadf8\ub798\uc11c \uc774\ub97c \uc54c\ub9ac\uae30 \uc704\ud574 2013\ub144 5\uc6d4 \ud544\uc790\uac00 \ub450 \ubc88\uc9f8 \uacbd\uace0\uc131 \uce7c\ub7fc\uc744 \uc37c\ub358 \uac83\uc778\ub370, 6\uac1c\uc6d4\ucbe4 \uc9c0\ub09c 11\uc6d4\uc5d0 \uc870\uc120\uc77c\ubcf4\uc640 \ud558\ub098\uc740\ud589 \uc0ac\ubcf4\uc5d0\uc11c \uae08\uc735\ud30c\uc0dd\uc0c1\ud488\uc5d0 \ub300\ud55c \ud2b9\uc9d1\uc744 \ud1b5\ud574 \ud55c\uad6d\uc758 \ud30c\uc0dd\uc0c1\ud488\uc2dc\uc7a5\uc774 \ub108\ubb34\ub098 \uc65c\uc18c\ud558\uc5ec \uc774\ub300\ub85c \uac00\ub2e4\uac04 \ud55c\uad6d\uae08\uc735\uc774 \ub3c4\ud0dc\ub420 \uac83\uc774\ub77c\ub294 \uc6b0\ub824\uc640 \uacbd\uace0\uc5d0 \uac00\uae4c\uc6b4 \uc785\uc7a5\uc744 \ud53c\ub825\ud558\uba74\uc11c \uc774\uc81c\ubd80\ud130\ub77c\ub3c4 \uae08\uc735\uaddc\uc81c\ub97c \ud655 \ud480\uc5b4\uc11c \ud30c\uc0dd\uae08\uc735\uc2dc\uc7a5\uc744 \ud0a4\uc6cc\uc57c \ud55c\ub2e4\ub294 \uae30\uad34\ud55c \ub17c\ub9ac\ub97c \ud3b4\ub294 \uac83\uc774\uc5c8\ub2e4.<\/p>\n

\uc774\ub294 \uc544\ub9c8\ub3c4 \uae08\uc735\ud30c\uc0dd\uc0c1\ud488\uc744 \uc5fc\ub450\uc5d0 \ub454 \ub4ef\ud55c \uadf8\uac04\uc758 \uc8fc\uc7a5\ub4e4, \ud2b9\ud788 \uc774\uc81c\ubd80\ud130\ub294 \uc218\ucd9c\uc911\uc2ec\uc758 \uc81c\uc870\uc5c5\ub300\uc2e0\uc5d0 \uaddc\uc81c\ub97c \ud655 \ud480\uc5b4 \uad00\uad11, \uad50\uc721, \uc758\ub8cc, \uc18c\ud504\ud2b8\uc6e8\uc5b4\uc640 \uae08\uc735\uc744 \ud568\uaed8 \ubb36\uc5b4\uc11c \ub0b4\uc218\uc911\uc2ec\uc758 \uc11c\ube44\uc2a4\uc0b0\uc5c5\uc744 \ud0a4\uc6cc \uc591\uc9c8\uc758 \uc77c\uc790\ub9ac\ub97c \ub9cc\ub4e4\uc5b4 \uba39\uace0 \uc0b4\uc790\ub294 \uc5b4\ucc98\uad6c\ub2c8\uc5c6\ub294 \uc8fc\uc7a5\uc744 \uc774\uba85\ubc15 \uc815\ubd80\uc758 \ucd9c\ubc94 \ub54c\uc640 \ub9c8\ucc2c\uac00\uc9c0\ub85c \ubc15\uadfc\ud61c \uc815\ubd80 \ucd9c\ubc94\ucd08\ubc18\uc5d0 \ub610\ub2e4\uc2dc \ud3b4\ub294\uad6c\ub098 \ud558\ub294 \uc758\uad6c\uc2ec\uc744 \uac16\uac8c \ud588\ub2e4. \uadf8\ub3c4 \uadf8\ub7f4 \uac83\uc774 \ubc15\uadfc\ud61c \uc815\ubd80 \ucd9c\ubc94\ucd08\ubc18\uc5d0 \ub9e5\ud0a8\uc9c0(McKinsey)\ub294 \uc131\uc7a5\uacf5\uc2dd\uc774\ub77c\ub294 \ubcf4\uace0\uc11c\ub97c \ud1b5\ud574 \ud55c\uad6d\uc774 \uc774\uc81c\ub294 \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 \uc8fc\uc7a5\uc744 \ud3b8\ubc14 \uc788\ub294\ub370 \uc774\uc81c \uc774\ub97c \ub4b7\ubc1b\uce68\uc774\ub77c\ub3c4 \ud558\ub4ef \uc870\uc120\uc77c\ubcf4\uc640 \ud558\ub098\uc740\ud589\uc5d0\uc11c \ud2b9\uc9d1\uc744 \uafb8\ubbfc \uac74 \uc544\ub2cc\uac00 \ud558\ub294 \uc758\uad6c\uc2ec\uc774 \ubd88\uc465 \ub4e4\uc5c8\ub358 \ud0d3\uc774\ub2e4.<\/p>\n

\ub354\uc6b1\uc774 2008 \uc6d4\uac00\ubd95\uad34 \uc9c1\uc804\uc5d0 \ud55c\uad6d\uc0b0\uc5c5\uc740\ud589\uc73c\ub85c \ud558\uc5ec\uae08 \ub9ac\ubc88 \ube0c\ub77c\ub354\uc2a4\ub97c \uc778\uc218\ucf00 \ud558\ub824\ub294 \ud68d\ucc45\uc744 \uaf80\ud588\ub358 \uc138\ub825\uc774 \uc788\uc5c8\ub358 \uc0ac\uc2e4\uc774 \ub5a0\uc624\ub974\uba70 \uacb0\uad6d \uc678\uad6d\uae08\uc735\uc0ac\uc640 \ucee8\uc124\ud305\uc0ac\ub4e4\uc774 \ud55c\uad6d\uc5d0\uc11c \ud30c\uc0dd\uc0c1\ud488\uc2dc\uc7a5\uc744 \ud0a4\uc6cc \ud55c\ud0d5 \ud558\ub824\ub294 \uc228\uc740 \uc758\ub3c4\uac00 \uc788\ub294 \uac8c \ud544\uc790\uc758 \ub208\uc5d0 \ubcf4\uc774\ub294 \uac83\uc774\uc5c8\ub2e4. \uadf8\ub9ac\uace0 \uc774\ub7ec\ud55c \ucd94\ub860\uc740 \ub9e5\ud0a8\uc9c0\uc758 \ube44(\u975e)\uc804\ubb38\uc131\uc744 \uc81c\ub300\ub85c \uac04\ud30c \ubabb\ud558\uace0 \uc624\ub7ab\ub3d9\uc548 \uadf8\ub4e4\uc758 \ucee8\uc124\ud305\uc744 \ubc1b\uc544 \uc624\ub2e4\uac00 \ub0ad\ud328\ub97c \ub9db\ubcf8 LG\uac00 \u2018\ub9e5\ud0a8\uc9c0, \ub9d0\ub9cc \ub4e4\uc5b4\ub3c4 \uce58\uac00 \ub5a8\ub9b0\ub2e4.\u2019\ub294 \uc790\uadf9\uc801 \ubc18\uc751\uc5d0\uc11c\ub3c4 \ud655\uc778\ub420 \uc218 \uc788\uc5c8\ub2e4. \uadf8\ub7f0\ub370 LG\uc758 \uc774\ub7f0 \ubc18\uc751\uc740 \uc6b0\ub9ac\ub098\ub77c\ub85c \ubd10\uc11c\ub294 \uc2dc\uae30\uc0c1 \uc808\ubb18\ud558\uac8c\ub3c4 \ub2e4\ud589\ud55c \uc77c\uc774\ub77c \uc5ec\uaca8\uc84c\ub2e4. \uc65c\ub0d0\ud558\uba74 \ubc15\uadfc\ud61c\uc815\ubd80\uac00 \ucd9c\ubc94\ud55c \uc808\ubb18\ud55c \uc2dc\uae30\uc5d0 \ub9e5\ud0a8\uc9c0\ub97c \uc55e\uc138\uc6b4 \uacbd\uc81c\uc815\ucc45\uacb0\uc815 \uadfc\ucc98\uc5d0 \uc788\ub294 \uad00\ub8cc\uc640 \uc5b8\ub860\uc778\uacfc \uc815\uce58\ud559\uc790(polyfessor)\ub4e4\uc774 \uc5ec\uae30\uc800\uae30\uc11c \uc11c\ube44\uc2a4\uc0b0\uc5c5\uc744 \ud0a4\uc6cc\uc11c \uc591\uc9c8\uc758 \uc77c\uc790\ub9ac\ub97c \ub9cc\ub4e4\uc5b4\uc57c \ud55c\ub2e4\ub294 \ubc11\ub3c4 \ub05d\ub3c4 \ub17c\uac70\ub3c4 \ube48\uc57d\ud55c \ub9d0\uc744 \uc785\uc5d0 \uc62c\ub9ac\ub294 \uaf34\uc774 \ub208\uc5d0 \ub728\uc77c \ubfd0\ub9cc \uc544\ub2c8\ub77c \uc11c\ube44\uc2a4\ub77c\ub294 \ub9d0\uc5d0 \ub2f4\uae34 \uae08\uc735\uc11c\ube44\uc2a4\uc5d0\ub294 \ud544\ud788 \ud30c\uc0dd\uc0c1\ud488\uc774 \uc228\uaca8\uc788\uc74c\uc774 \ubcf4\uc774\uae30\uc5d0 \ub9d0\uc774\ub2e4.<\/p>\n

\ud544\uc790\ub294 \uc774\ub7f0 \ubc30\uacbd\uc5d0\uc11c \ud30c\uc0dd\uc0c1\ud488\uae30\uc0ac\ub97c \ub2e4\ub8ec \uc870\uc120\uc77c\ubcf4 \uae30\uc790\uc5d0\uac8c \uc5f0\ub77d\uc744 \ud588\ub354\ub2c8\ub9cc \uc790\ubcf8\uc2dc\uc7a5\uc5f0\uad6c\uc6d0\uc758 \ubaa8 \ubc15\uc0ac\uac00 \uc4f4 \uac83\uc774\ub77c\uba70 \ube91\ube91\uc774 \ub3cc\ub9ac\ub294 \uac83\uc774\uc5c8\ub2e4. \uc544\ubb34\ud2bc \uadf8 \uae30\uc0ac\uc758 \ub0b4\uc6a9\uc5d0 \ub300\ud574 \uc77c\uccb4\uc758 \uc815\ubcf4\ub97c \uc81c\uacf5\ud588\ub2e4\ub294 \uadf8 \ubaa8 \ubc15\uc0ac\uc5d0\uac8c \uc5f0\ub77d\ud558\uc5ec \ubbf8\uc548\ud558\uc9c0\ub9cc \uae08\uc735\ud30c\uc0dd\uc0c1\ud488\uc5d0 \ub300\ud574\uc11c \ubb58 \uc880 \uc544\ub290\ub0d0\uace0 \ud588\ub354\ub2c8\ub9cc \uc790\uae30\ub124 \uc5f0\uad6c\uc6d0\uc5d4 \ud30c\uc0dd\uc0c1\ud488\uc804\ubb38\uac00 \uc5ec\ub7ff\uc774 \ud55c \ud300\uc744 \uc774\ub8e8\uc5b4 \ud30c\uc0dd\uc0c1\ud488\uc744 \uc5f0\uad6c\ud558\uace0 \uc788\uc9c0\ub9cc \uc194\uc9c1\ud788 \uc798 \ubaa8\ub978\ub2e4\ub294 \ub2f5\ubcc0\uc774\uc5c8\ub2e4. \ud544\uc790\ub294 \uc774\ubd84\ub4e4\uc758 \ubb34\uc9c0\ub97c \uc9c0\uc801\ud558\uace0\uc790 \ud568\uc774 \uc544\ub2c8\uc9c0\ub9cc \uc5b4\ub5bb\uac8c \ubaa8\ub974\uba74\uc11c \uadf8\ub7f0 \uae30\uc0ac\ub97c \ub2e4\ub8e8\ub294\uc9c0\uc5d0 \ub300\ud574 \uc0c8\uc0bc \ub180\ub790\ub2e4.<\/p>\n

\ud5c8\uae34 \uc6b0\ub9ac\ub098\ub77c\ub97c \uba39\uc5ec \uc0b4\ub9b4 \ucca8\ub2e8\uacfc\ud559\uae30\uc220\uad50\uc721\uae30\uad00\uc774 \ub418\ub77c\uace0 \uad6d\ubbfc\uc138\uae08\uc73c\ub85c \uc9c0\uc6d0\ud574 \uc8fc\uace0 \uc788\ub294 KAIST \uae08\uc735\uc804\ubb38\ub300\ud559\uc6d0\uc5d0\uc11c\uc870\ucc28\ub3c4 \uadf8 \uba38\ub9ac \uc88b\uc740 \uc7a0\uc7ac\uc778\uc7ac\ub4e4\uc744 \ubaa8\uc544\ub2e4\uac00 \uc774 \ud30c\uc0dd\uae08\uc735\uc0c1\ud488\uc744 \uc804\uacf5\ud558\ub294\ub370 \ub300\ubd80\ubd84 \ub9e4\ub2ec\ub9ac\uac8c \ud558\ub294 \uaf34\uc744 \ubcf4\uba74 \ucc38\uc73c\ub85c \uae30\uac00 \ucc28\uace0 \uc544\uc5f0\uc2e4\uc0c9\ud574\uc9c0\uae30\ub3c4 \ud55c\ub2e4.<\/p>\n

\uadf8\ub7ec\uba74 \uc65c \uc774\ub7f0 \ud604\uc0c1\uc774 \ubc8c\uc5b4\uc9c0\uace0 \uc788\ub294 \uac78\uae4c? \ud55c\ub9c8\ub514\ub85c \uae08\uc735\uc804\ubb38\uac00\ub77c\ub294 \ubd84\ub4e4\uc870\ucc28\ub3c4 \uae08\uc735\ud30c\uc0dd\uc0c1\ud488\uc5d0 \ub300\ud574 \ubcc4\ub85c \uc54c\uc9c0 \ubabb\ud558\uace0 \uc788\uae30 \ub54c\ubb38\uc774\ub2e4. \uae08\uc735\ud30c\uc0dd\uc0c1\ud488\uc5d0 \ub300\ud574 \uc54c\uc9c0 \ubabb\ud560 \ubfd0\ub9cc \uc544\ub2c8\ub77c \uc54c\ub824\uace0\ub3c4 \ud558\uc9c0 \uc54a\uace0 \uadf8\ub0e5 \uc544\ub294 \ucc99 \ud558\ub294 \uc0ac\uc774\ube44\uac00 \ub418\ub2e4 \ubcf4\ub2c8 \ubbf8\uad6d \uae08\uc735\uacc4\uc5d0\uc11c \ud589\ud574\uc9c0\uace0 \uc788\ub294 \ub300\ub85c \uc6b0\ub9ac\ub3c4 \ub530\ub77c\uac00\uba74 \ub418\ub294 \uc904\ub85c \uc54c \uc218\ubc16\uc5d0.<\/p>\n

\uc8fc\uc2dd\ud22c\uc790\ub098 \ucc44\uad8c\ud22c\uc790\ub294 \uae30\ubcf8\uc801\uc73c\ub85c \uc2e4\ubb3c(\u5be6\u7269)\uc5d0\ub2e4 \ud22c\uc790\ud558\ub294 \uac83\uc778\ub370 \ubc18\ud558\uc5ec \ud30c\uc0dd\uae08\uc735\uc0c1\ud488\uc740 \ubbf8\ub798\uac00\uce58\ub098 \uc57d\uc18d\uc774\ub77c\ub294 \ud5c8\uc0c1(\u865b\u50cf)\uc5d0 \ud22c\uc790\ud560 \uc218 \uc788\uac8c 1980\ub144\ub300 \ucd08\ubc18 \ub808\uc774\uac74 \uc815\ubd80\uc5d0\uc11c \ud5c8\uc6a9\ud55c \ubc95\uc801\ud22c\uae30(legal bet)\ub2e4. \uc774\ub294 \ub9c8\uce58 \uc5b4\ub5a4 \uc774\uac00 \uc5ec\ud589\uc744 \ud558\uba74\uc11c \uc8fc\ub9d0\uc5d0 \uc5b4\ub290 \ucd95\uad6c\ud300\uc774 \uc2b9\uc790\uac00 \ub420 \uac83\uc778\uac00\uc5d0 \ub300\ud574 \ud22c\uae30\ud558\ub294 \uac83\uc774\ub098 \uc55e\uc73c\ub85c \uc774\uc790\uc728\uc774 \uc5b4\ub5bb\uac8c \ubcc0\ub3d9\ud560 \uac83\uc778\uac00\uc5d0 \ub300\ud574\uc11c \ud22c\uae30\ud558\ub294 \uac83\uc774\ub098 \uc774\ud6c4 \uc5b4\ub290 \uae08\uc735\uae30\uad00\uc774 \ucc44\ubb34\ubd88\uc774\ud589\ud560 \uac83\uc778\uac00\uc5d0 \ud22c\uae30\ud558\ub294 \uac83\uc774\ub098 \uc2ec\uc9c0\uc5b4\ub294 \uc55e\uc73c\ub85c \ubb3c\uac00\uc9c0\uc218\ub098 \uc8fc\uac00\uc9c0\uc218\ub098 \ub0a0\uc528\uac00 \uc5b4\ub5bb\uac8c \ubcc0\ud560 \uac83\uc778\uac00\uc5d0 \ud22c\uae30\ud558\ub294 \uac83\uacfc \ub611\uac19\uc740, \uadf8 \uc774\uc0c1\ub3c4 \uc774\ud558\ub3c4 \uc544\ub2cc \uc131\uaca9\uc758 \uc644\ubcbd\ud55c \ud22c\uae30\ub2e4.<\/p>\n

\uc0ac\uc774\ube44 \uae08\uc735\uc804\ubb38\uac00 \uc911\uc5d4 \ud30c\uc0dd\uae08\uc735\uc0c1\ud488\uc5d0\ub3c4 \uc21c\uae30\ub2a5\uc774 \uc874\uc7ac\ud55c\ub2e4\uace0\ub3c4 \uc8fc\uc7a5\ud558\uae30\ub3c4 \ud558\uc9c0\ub9cc \uc774 \uc5ed\uc2dc \ubb34\uc9c0\uc5d0 \uae30\ucd08\ud55c \uc5b5\uc9c0\ub2e4. \uadf8\ub4e4\uc740 \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 \ucd5c\ucd08(\u6700\u521d)\uc758 \uc120\ubb3c(\u5148\u7269) \uc774\ud6c4\uc758 \ud30c\uc0dd\uae08\uc735\uc0c1\ud488\uc740 \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\ub294 \uc5ed\uae30\ub2a5\uc758 \ud22c\uae30\uc218\ub2e8\uc77c \ubfd0\uc774\ub2e4.\u00a0<\/p>\n

 <\/p>\n

(1) \ud30c\uc0dd\uae08\uc735\uc0c1\ud488\uc740 \ubcf8\uc9c8\uc801\uc73c\ub85c \uc81c\ub85c\uc12c\uc758 \ube44\uc0dd\uc0b0\uc801 \ud65c\ub3d9\uc774\ub2e4. \ub530\ub77c\uc11c \uc2e4\uc81c\ub85c\ub294 \uadf8 \uc720\uc9c0\ube44\uc6a9\ub9cc\ud07c\uc740 \ud56d\uc0c1 \uad6d\uac00\uacbd\uc81c\uc5d0 \ubd80\ub2f4\uc744 \uc8fc\ub294 negative-sum\uc758 \ube44\uc0dd\uc0b0\uc801 \ud65c\ub3d9\uc774\ub2e4.<\/p>\n

(2) \uc704\ud5d8\uad00\ub9ac\uc758 \uc774\ub860\uc801 \uae30\ucd08\uc778 \uc7ac\ubb34 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc774\ub860(portfolio theory)\uc5d0 \uc758\ud558\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 \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\ubb34(\u5168\u7121)\ud55c \uae08\uc735\uc0c1\ud488\uc5d0 \ubd88\uacfc\ud558\ubbc0\ub85c \uc704\ud5d8\uc744 \ud5e4\uc9c0(hedge)\ud574 \uc8fc\ub294 \uae08\uc735\uc0c1\ud488\uc77c \uc218\uac00 \uc5c6\ub2e4.\u00a0\u00a0\u00a0\u00a0<\/p>\n

(3) \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\ub294 \ud22c\uae30\uc0c1\ud488\uc774\ub2e4.<\/p>\n

(4) \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\uc5b4 \ub4e4\uac8c \ub418\uace0 \uadf8\ub798\uc11c \uacb0\uad6d\uc740 \uacbd\uae30\uce68\uccb4\ub098 \uacf5\ud669\uc744 \ucd08\ub798\ud560 \uc218 \uc788\ub2e4.<\/p>\n

 <\/p>\n

\ud30c\uc0dd\uae08\uc735\uc0c1\ud488\uc740 \ud55c\ub9c8\ub514\ub85c zero-sum\uc778 \ub3c4\ubc15\uc774\uba70 \uadf8 \uc2dc\uc7a5\uc744 \uc720\uc9c0\ud558\ub294\ub370 \uc18c\uc694\ub418\ub294 \ube44\uc6a9\ub9cc\ud07c\uc740 \uc0ac\ud68c\uc5d0 \ubd80\ub2f4\uc744 \uc8fc\ub294 negative-sum\uc758 \ub3c4\ubc15\uc218\ub2e8\uc774\ub77c\ub294 \uc810\uacfc \ub3c4\ubc15\uc740 \ub3c4\ubc15\uc778\ub370 \ub2e4\ub978 \ub3c4\ubc15\ub4e4\uacfc\ub294 \ub2ec\ub9ac \ud06c\uac8c \ubb38\uc81c\ub420 \uc218 \uc788\ub294 \uac74 \uadf8 \uc5c4\uccad\ub09c \ud30c\uc0dd\uc0c1\ud488\uc2dc\uc7a5\uaddc\ubaa8\uc640 \ud30c\uc0dd\uc0c1\ud488\uac70\ub798\uc758 \ubd88\uc548\uc815\uc131\uc774 \uc5c4\uccad\ub098\ub2e4\ub294 \uc810\uc774\ub2e4. \ud30c\uc0dd\uae08\uc735\uc0c1\ud488\uc740 1980\ub144\ub300\ubd80\ud130 \uc870\uae08\uc529 \uc120\uc744 \ubcf4\uc774\ub2e4\uac00 1997\ub144\ubd80\ud130 \uae09\uc791\uc2a4\ub808 \uae09\uc99d\ud558\uba74\uc11c \uc6d4\uac00\ub294 \uadf8\uac04 \ub204\uad6c\ub4e0 \uc790\uae30\uac00 \uc0dd\uac01\ud558\ub294 \uac83\uc774\uba74 \uadf8 \uc5b4\ub5a4 \uac83\uc5d0\ub4e0 \ud22c\uae30\ud558\ub294 \uac70\ub300\ud55c \uce74\uc9c0\ub178(Casino)\uc7a5\uc73c\ub85c \ubc14\ub00c\uc5b4 \ubc84\ub838\uace0 \uadf8\ub7ec\ub2e4\uac00 \ub4dc\ub514\uc5b4 2008\ub144 \uc6d4\uac00\ubd95\uad34\ub97c \ub9de\uc558\ub358 \uac83\uc774\ub2e4.<\/p>\n

2008\ub144 \uc6d4\uac00 \ubd95\uad34 \ub2f9\uc2dc \ubbf8\uad6d\uc758 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\uace0\u00a0 \uadf8 \ucda9\uaca9\uc740 \uace7 \uc9c0\uad6c\ucd0c \uc804\uc5ed\uc73c\ub85c \uadf8 \ud3ed\ubc1c \ud53c\ud574\ub97c \uc99d\ud3ed\uc2dc\ucf1c\uac14\ub358 \uac83\uc774\ub2e4.<\/p>\n

2008 \uc6d4\uac00\ubd95\uad34 \ud6c4 \ud30c\uc0dd\uae08\uc735\uc0c1\ud488\ubb38\uc81c\ub294 \uc77c\ub2e8 \ub9ac\uba3c \ube0c\ub77c\ub354\uc2a4(Lehman Brothers)\ud558\ub098\uc758 \ud76c\uc0dd\uc591\uc73c\ub85c \uc678\ud615\uc801\uc73c\ub85c\ub294 \uc77c\ub2e8\ub77d\ub41c \ub4ef \ud588\uc9c0\ub9cc \uc138\uacc4\ucd5c\ub300 \ubcf4\ud5d8\ud68c\uc0ac\uc778 AIG\ub3c4 \ubc14\ub85c \uc774 \uae08\uc735\ud30c\uc0dd\uc0c1\ud488\ud22c\uae30\uc5d0 \uac78\ub824\ub4e4\uc5b4 \ud30c\uc0b0\uc9c0\uacbd\uacfc \ub2e4\ub97c \ubc14 \uc5c6\ub294 \uc0c1\ud0dc\uac00 \ub418\uc5c8\uace0 MF Global \uc2e4\ud328\uc640 60\uc5b5\ubd88\uc744 \ub0a0\ub9b0 JPMorgan Chase\uc758 \uacbd\uc6b0\ub3c4 \ub2e4 \ud30c\uc0dd\uc0c1\ud488\uc73c\ub85c \uc0dd\uae34 \uc0ac\uac74 \uc0ac\uace0\uc600\ub2e4. \ucd5c\uadfc \uad6d\ub0b4\uc5d0\uc11c \ud130\uc9c4 \uae08\uc735\uad8c \uc0ac\uace0\ub4e4, \uc608\ucee8\ub300 \ubb34\uc2a8, \ubb34\uc2a8 \uc800\ucd95\uc740\ud589, D\uadf8\ub8f9 H\uadf8\ub8f9\uc758 \uae08\uc735\ud30c\ud0c4\uc0ac\uac74, \ubaa8 \uc99d\uad8c\uc0ac\uc758 \ud30c\uc0b0, \uc720\uc218\uadf8\ub8f9 \ud68c\uc7a5\ub2e8\ub4e4\uc758 \ube44\uc790\uae08\uc0ac\uace0 \ub4f1\ub4f1\uc740 \ubaa8\ub450\uac00 \ud30c\uc0dd\uc0c1\ud488\uacfc \uc9c1\uac04\uc811\uc73c\ub85c \uad00\ub828\ub418\uc5b4 \uc788\ub2e4\ub294 \uc0ac\uc2e4\uc740 \uc544\ub294 \uc774\ub294 \ub2e4 \uc54c\uace0 \uc788\ub294 \uc0ac\uc2e4\uc774\ub2e4.\u00a0<\/p>\n

\uadf8\ub7f0\ub370 2014\ub144 \ud604\uc7ac \ucd08\uac15\ub825 \uc2dc\ud55c\ud3ed\ud0c4\uc73c\ub85c\uc11c \ud30c\uc0dd\uae08\uc735\uc0c1\ud488\uc758 \ubcf8\uc9c8\uc801 \ubb38\uc81c\ub294 2008\ub144 \uc774\ud6c4\uc5d0\ub3c4 \uacc4\uc18d \uc9c0\uc18d\ub418\uc5b4 \uc654\uc744 \ubfd0\ub9cc \uc544\ub2c8\ub77c \ub354 \uc2ec\uac01\ud55c \uac83\uc740 2008\ub144 \ub54c\uc640\ub294 \ube44\uad50\ub3c4 \uc548 \ub420 \uc815\ub3c4\ub85c \uadf8 \uaddc\ubaa8\uac00 \ucc9c\ubb38\ud559\uc801\uc774\ub77c\ub294 \uc0ac\uc2e4\uc774\ub2e4. \uc989, 2013\ub144 12\uc6d4 \ud604\uc7ac US\uc758 GDP\ub294 15\uc870\uc5b5\ubd88\uc778\ub370 \ud30c\uc0dd\uc0c1\ud488\uc2dc\uc7a5\uaddc\ubaa8\ub294 660\uc870 \uc5b5\ubd88\ub85c\uc11c GDP\uc5d0 \ub300\ud55c \ubc30\uc218\uac00 44\ubc30\ub85c 2008\ub144\uc758 25\ubc30\ubcf4\ub2e4\ub3c4 \uc5c4\uccad \ucee4\uc84c\ub2e4\ub294 \uc0ac\uc2e4\uc774\ub2e4. \ud55c\ud3b8 \uc804 \uc138\uacc4\uc801\uc73c\ub85c\ub3c4 \ud30c\uc0dd\uc0c1\ud488\uc2dc\uc7a5\uc774 1,500\uc870 \uc5b5\ubd88\ub85c\uc11c GDP 70\uc870 \uc5b5\ubd88\uc758 20\ubc30\uac00 \ub118\ub2e4 \ubcf4\ub2c8 \ud55c\ubc88 \uc090\ub057\ud558\uba74 \uae00\ub85c\ubc8c \uc804\uccb4\ub97c \ub0a0\ub824\ubc84\ub9b4 \ud575\ud3ed\ud0c4\uc784\uc744 \uc808\uac10\ucf00 \ud558\uba70 \uadf8 \ud3ed\ubc1c\uc7a5\uc18c\ub294 \uc5ed\uc2dc \ubbf8\uad6d\uc774 \ub420 \uac83\uc784\uc744 \uc27d\uac8c \uc54c\uac8c \ud574\uc900\ub2e4.<\/p>\n

\ud30c\uc0dd\uae08\uc735\uc0c1\ud488\uc758 \ud3ed\ubc1c\uac00\ub2a5\uc131\uc5d0 \uad00\ud574 \uacb0\ucf54 \uac04\uacfc\ud560 \uc218 \uc5c6\ub294 \uc810\uc740 \ubc14\ub85c \uc2e4\ubb3c\uc774 \uc544\ub2cc \ud5c8\uc0c1\uc5d0 \ub300\ud55c \uc5c4\uccad\ub09c \uaddc\ubaa8\uc758 93%\uac00 \ubbf8\uad6d \uc0c1\uc704 4\uac1c \uae08\uc735\uae30\uad00\uc5d0 \uc758\ud574 \uc790\ud589\ub418\uace0 \uc788\uc73c\uba70 \ubbf8\uad6d\uc0b0\uc5c5\uc758 81%\uac00 \ud30c\uc0dd\uae08\uc735\uc0c1\ud488\uacfc \uad00\ub828\ub418\uc5b4 \uc788\ub2e4\ub294 \uc0ac\uc2e4\uc774\ub2e4.<\/p>\n

\uc7a0\uc2dc \ubbf8\uad6d \uc0c1\uc704 4\uac1c \uc740\ud589\uc758 \uc2e4\uc0c1\uc744 \ub4e4\uc5ec\ub2e4\ubcf4\uc790.<\/p>\n

\uc774 \ub4e4\uc740 \uc544\ub9c8\ub3c4 \ub300\ub9c8\ubd88\uc0ac(\u5927\u99ac\uf967\u6b7b) \uc2e0\ud654\ub97c \uc2e0\ubd09\ud558\uba70 \ubb34\ubaa8\ud55c \ud22c\uae30\ub97c \uacc4\uc18d \uac00\uc18d\ud654\ud558\uace0 \uc788\ub294 \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4. \ubc95\uc774 \ub9cc\ub4e4\uc5b4\uc838 \uaddc\uc81c\ub418\uace0 \uc788\ub294 \uc904 \uc54c\uc558\ub294\ub370 \uc774\ub4e4\uc740 \ubbf8\uad6d\uacbd\uc81c \uc804\uccb4\ub294 \ubb3c\ub860 \uae00\ub85c\ubc8c \uacbd\uc81c\uc804\uccb4\ub97c \uc9d1\uc5b4 \uc0bc\ud0ac \uc815\ub3c4\ub85c \ubb34\ubaa8\ud55c \ud22c\uae30\ub97c \uc544\ubb34 \uc81c\uc57d \uc5c6\uc774 \uc9c0\uc18d\ud574\uc654\uace0 \uc9c0\uae08\ub3c4 \ud558\uace0 \uc788\uc73c\uba70 2008\ub144\uc758 \uacbd\uc6b0\ubcf4\ub2e4 \ud6e8\uc52c \ub354 \uc545\ud654 \uc77c\ub85c\uc5d0 \uc788\uc5b4 \uc774\uc81c\ub294 \ub9c8\uce58 \uc554\uc774 \ubab8 \uc804\uc2e0\uc5d0 \ud37c\uc838 \uc554\uc744 \uc8fd\uc774\ub824\uba74 \ubab8 \uc804\uccb4\ub97c \uc8fd\uc5ec\uc57c \ud558\ub294 \uc218\uc900\uc5d0\uae4c\uc9c0 \ub2e4\ub2e4\ub978 \uc591\uc0c1\uc774 \ub418\uc5c8\ub2e4.\u00a0<\/p>\n

The Comptroller of the Currency\uc5d0 \uc758\ud558\uba74<\/p>\n

    \n
  1. JPMorgan Chase\ub294 1.8\uc870 \uc5b5\ubd88 \uc790\uc0b0\uc5d0 \ud30c\uc0dd\uc0c1\ud488 69\uc870 \uc5b5\ubd88\ub85c \ud5c8\uc0c1\uc778 \ube48 \uaecd\ub370\uae30\uac00 \uc790\uc0b0\uc758 38\ubc30\uc774\uba70<\/li>\n
  2. Citibank\ub294 1.3\uc870 \uc5b5\ubd88 \uc790\uc0b0\uc5d0 \ud30c\uc0dd\uc0c1\ud488 52\uc870 \uc5b5\ubd88\ub85c \uc790\uc0b0\uc758 40\ubc30\uc774\uace0<\/li>\n
  3. Bank Of America\ub294 1.4\uc870 \uc5b5\ubd88 \uc790\uc0b0\uc5d0 \ud30c\uc0dd\uc0c1\ud488 44\uc870 \uc5b5\ubd88\ub85c \uc790\uc0b0\uc758 31\ubc30\uc774\uba70<\/li>\n
  4. Goldman Sachs\ub294 0.11\uc870 \uc5b5\ubd88 \uc790\uc0b0\uc5d0 \ud30c\uc0dd\uc0c1\ud488 41\uc870 \uc5b5\ubd88\ub85c\uc11c \uc790\uc0b0\uc758 372\ubc30\ub2e4.<\/li>\n<\/ol>\n

    \uc774\ub4e4 \uc22b\uc790\ub97c \ubcf4\uba74 \uc9c1\uac10\uc801\uc73c\ub85c \ud131\uc774 \ube60\uc9c8 \uc9c0\uacbd\uc758 \ud55c\uacc4\uc5d0 \uac00\uae4c\uc6cc\uc84c\ub2e4\uace0 \ub290\uaef4\uc9c4\ub2e4. \ud2b9\ud788 \uace8\ub4dc\ub9cc\uc0c9\uc2a4\ub294 \ubc11\uc774 \uae4c\ub9c8\ub4dd\ud558\uac8c \ubcf4\uc774\ub294 \uace0\uacf5 \uc704\uc5d0\uc11c \uc544\uc2ac\uc544\uc2ac\ud558\uac8c \uc904\ud0c0\uae30\ud558\ub294 \ud615\uc0c1\uc778\ub370 \uba38\uc9c0\uc54a\uc544 \uace7 \uc77c\uc744 \ub0bc \uac83 \uac19\uc740 \uc9c1\uac10\uc774 \ub4e0\ub2e4.<\/p>\n

    \uacb0\uad6d \ud30c\uc0dd\uae08\uc735\uc0c1\ud488\uc774 \uc77c\uc744 \ub0bc \uac83\uc784\uc740 \uc758\uc2ec\uc758 \uc5ec\uc9c0\uac00 \uc5c6\uc73c\uba70 \ub2e4\ub9cc \uadf8 \uc2dc\uae30\uac00 \uc5bc\ub9c8\ub098 \ube60\ub97c \uac83\uc774\ub0d0\uc5d0 \ub300\ud55c \ub17c\ub780\ub9cc\uc774 \uc788\uc744 \uc218 \uc788\uc744 \ubfd0 \uae00\ub85c\ubc8c \ud328\ub2c9\uc744 \ucd08\ub798\ud560 \ucd08\uac15\ub825 \uae08\uc735\ud575\ud3ed\ud0c4\uc784\uc5d0\ub294 \ud2c0\ub9bc\uc5c6\uace0 \uba38\uc9c0\uc54a\uc544 \ud3ed\ubc1c\uc774 \uc784\ubc15\ud588\uc74c\ub3c4 \ubd80\uc815\ud560 \uae38\uc774 \uc5c6\ub2e4.<\/p>\n

    \ud544\uc790\ub294 \uad6d\ubd80(\u570b\u5bcc)\ucc3d\ucd9c\uacfc \uc774\uc775(\uf9dd\u76ca)\ucd94\uad6c\uc640 \uad00\ub828\ud558\uc5ec \ub2e4\uc774\ub098\ubbf9 \ub9e4\ub2c8\uc9c0\uba3c\ud2b8(Dynamic Management)\ub77c\ub294 \uc0c8\ub85c\uc6b4 \uacbd\uc601\ud328\ub7ec\ub2e4\uc784\uc744 \uc8fc\ucc3d\ud574 \uc624\uba74\uc11c \uc5b4\ub5a4 \uacbd\uc6b0\ub4e0 \ud601\uc2e0\uc758 \ud6a8\uacfc\ub97c \ucd94\uad6c\ud558\uc9c0 \uc54a\uace0 \ub3c8\uc744 \ubc88\ub2e4\ub294 \uac83\uc740 \uacb0\ucf54 \uc624\ub798 \uac08 \uc218\uac00 \uc5c6\uc73c\uba70 \ud601\uc2e0\uc740 \uc2e4\ubb3c\uacbd\uc81c \ud2b9\ud788 \uc81c\uc870\uc5c5(\uc870\ub9bd\uc0b0\uc5c5, \ubd80\ud488\uc0b0\uc5c5, \uc18c\uc7ac\uc0b0\uc5c5)\uacfc \uac74\uc124\uc5c5 \uc911\uc2ec\uc758 \uc0b0\uc5c5\uad6c\uc870 \uc704\uc5d0\uc11c \uc11c\ube44\uc2a4\uc0b0\uc5c5\uc774 \uace0\ubd80\uac00\uce58\ud654 \ub420 \ub54c \uc77c\uad6d\uc758 \uacbd\uc81c\uccb4\uc9c8\uc774 \uac15\ud654\ub41c\ub2e4\ub294 \uc810\uc744 \uac15\uc870\ud558\uc5ec \uc654\ub2e4.<\/p>\n

    \uac19\uc740 \ub9e5\ub77d\uc5d0\uc11c \ud601\uc2e0\uc758 \ud6a8\uacfc\uac00 \uc5c6\ub294 \uae08\uc735\uc11c\ube44\uc2a4\ub294 \uc2e4\ubb3c\uacbd\uc81c\ub97c \uc9c0\uc6d0\ud574\uc8fc\ub294 \ubc14\ud0d5 \uc704\uc5d0\uc11c\ub9cc \uae08\uc735\uc5c5 \ubcf8\uc5f0\uc758 \uc0ac\ud68c\uc801 \uae30\ub2a5\uacfc \uc5ed\ud560\uc744 \ubd80\uc5ec \ubc1b\ub294\ub2e4\ub294 \uc0ac\uc2e4\uacfc \uc2e4\ubb3c\uacbd\uc81c\uc640 \ub9de\ubb3c\ub824 \ub3cc\uc544\uac00\ub294 \uae08\uc735\uacbd\uc81c\uac00 \uc544\ub2cc \uae08\uc735\ud65c\ub3d9\uc740 \uacb0\uad6d\uc740 \uac70\ud488\ub9cc \ud0a4\uc6b4\ub2e4\ub294 \uc810\uc744 \uac15\uc870\ud558\uc5ec \uc654\ub2e4.<\/p>\n

    \uadf8\ub9ac\uace0 \ub354 \ub098\uc544\uac00 \uacbd\uc81c\uc6b4\uc6a9\uacfc \uad00\ub828\ud558\uc5ec \uc2dc\uc7a5\uacfc \uc815\ubd80\uc758 \uad00\uacc4\uc5d0\uc11c\ub3c4 \uc815\ubd80\uad00\uc5ec\uac00 \ubd88\uac00\ud53c\ud558\ub2e4\ub294 \ucf00\uc778\uc988(Keynes)\uc758 \uc8fc\uc7a5\uacfc \uc2dc\uc7a5\uc5d0 \uc804\uc801\uc73c\ub85c \uc77c\uc784\ud574\uc57c \ud55c\ub2e4\ub294 \ud558\uc774\uc5d0\ud06c(Hayek)\uc758 \uc8fc\uc7a5\uc740 \ubcf4\ud3b8\uc801 \uad00\uc810\uc5d0\uc11c\uac00 \uc544\ub2c8\ub77c \ud601\uc2e0\ud6a8\uacfc\uc758 \uc720\ubb34\uc640 \uadf8 \uac15\uc57d\uc758 \uacac\uc9c0\uc5d0\uc11c \ud601\uc2e0\ud6a8\uacfc\uac00 \ud070 \uacbd\uc6b0\uc5d4 \uc2dc\uc7a5\uc5d0 \ub9e1\uae30\uace0 \ud601\uc2e0\uc758 \ud6a8\uacfc\uac00 \ubbf8\ubbf8\ud55c \uacbd\uc6b0\uc5d4 \uc815\ubd80\uac00 \uaddc\uc81c\ud574\uc57c \ud55c\ub2e4\ub294 \uad00\uc810\uc73c\ub85c \ubcf4\uac15\ub418\uc5b4\uc57c \ud55c\ub2e4\ub294 \uc810\uc744 \ub610\ud55c \uac15\uc870\ud558\uc5ec \uc654\ub2e4.\u00a0<\/p>\n

    \uc774\ub7f0 \uc815\ucc45\ud310\ub2e8\uae30\uc900\uc744 \ub530\ub978\ub2e4\uba74 \uc678\uad6d \ud2b9\ud788 \ubbf8\uad6d\uc5d0\uc11c \uc5b4\ub5bb\uac8c \ud558\ub4e0 \uc6b0\ub9ac\ub294 \uc2e4\ubb3c\uacbd\uc81c\uc5d0\uc11c \ub2c8\uc988\ub9de\ucda4\ud601\uc2e0(needs-focused innovation)\uc73c\ub85c \ucc3d\uc870\uacbd\uc81c\ub97c \uc2e4\ud604\uc2dc\ud0a4\ub294\ub370 \uc804\ub825\ud574\uc57c \ud558\uba70 \uae08\uc735\uc120\uc9c4\ud654 \uae08\uc735\uc804\ub7b5\uc0b0\uc5c5\ud654 \uae08\uc735\ud5c8\ube0c\uc721\uc131\uc774\ub77c\ub4e0\uac00 \ud558\ub294 \uc2e4\uccb4\uac00 \uc5c6\ub294 \ub370\uc5d0 \ud798\uc744 \ub0ad\ube44\ud558\uc9c0 \ub9d0\uc544\uc57c \ud55c\ub2e4. \ud2b9\ud788 negative-sum\uc778 \ud30c\uc0dd\uae08\uc735\uac70\ub798\ub294 \uc989\uc2dc \uc804\uba74 \uae08\uc9c0\uc2dc\ud0a4\uba70 \uae08\uc735\uae30\uad00\ub4e4\uc744 \uc5c4\uaca9\ud788 \uaddc\uc81c\ud574\uc57c \ud55c\ub2e4.\u00a0<\/p>\n

    \uc65c\ub0d0\ud558\uba74 \uc77c\ub2e8 \ubbf8\uad6d \ubc1c 2\ucc28 \uae08\uc735\ud575\ud3ed\ubc1c\uc774 \ud130\uc9c0\uba74 \uc544\ubb34\ub3c4 \uadf8 \uc5c4\uccad\ub09c \ud53c\ud574\ub97c \uc544\uc608 \ud53c\ud574 \uac08 \uae38\uc740 \uc5c6\uaca0\uc9c0\ub9cc \uc5bc\ub9c8\ub098 \ud575\ud3ed\ubc1c \ubc18\uacbd\uc73c\ub85c\ubd80\ud130 \uba40\ub9ac \ub5a8\uc5b4\uc838 \uc788\ub290\ub0d0\uc5d0 \ub530\ub77c\uc11c \uadf8 \uac70\ub9ac\uc758 \uc81c\uacf1\uc5d0 \ubc18\ube44\ub840\ud558\uc5ec \ud53c\ud574\ub97c \uc785\uc744 \uac83\uc774\uae30 \ub54c\ubb38\uc774\ub2e4. \uc774\ub294 \uc5b8\uc81c \uc5b4\ub514\uc11c\ub098 \ub204\uad6c\ub098\uac00 \uc900\uac70\ud574\uc57c \ud560 \uc911\ub825\ubc95\uce59(gravity law)\uc758 \uc790\uc5f0 \uc9c8\uc11c\ub85c\uc11c \ud61c\uc548\uc744 \uc9c0\ub2cc \uc0ac\ub78c\ub4e4\uc774\ub77c\uba74 \ubbf8\ub9ac \uc608\uacac\ud560 \uc218 \uc788\ub294 \ub300\ubaa9\uc774\ub2e4.<\/p>\n

    \ub530 \ub77c\uc11c \uc774\uc81c\ubd80\ud130 \uad6d\ub0b4\uae08\uc735\uae30\uad00\ub4e4\uc758 \uacbd\uc601 \uc81c1\ubaa9\ud45c\ub294 \uc774\uc775\ud655\ub300\uac00 \uc544\ub2c8\ub77c \uc0dd\uc874\uc744 \ub3c4\ubaa8\ud558\ub294 \uc77c\uc774\uba70 \uc0dd\uc874\uc744 \ucd94\uad6c\ud558\ub294 \ubc14\ud0d5 \uc704\uc5d0\uc11c \uc774\uc775\uc744 \ucd94\uad6c\ud558\ub294 \uacbd\uc601\uc9c0\ud45c\uac00 \ucd94\uad6c\ub418\uc5b4\uc57c \ud55c\ub2e4. \uc801\uc5b4\ub3c4 \uba38\uc9c0\uc54a\uc544 \ud130\uc9c8 \ud30c\uc0dd\uae08\uc735\uc0c1\ud488\uc758 \ud3ed\ubc1c\uacfc \uadf8 \ud328\ub2c9\uc774 \uc9c0\ub098\uac08 \ub54c\uae4c\uc9c0\ub294.<\/p>\n

    \uc774\uac83\uc774 \uc9c0\ud61c\ub85c\uc6b4 \uae08\uc735\uae30\uad00\uc758 \uacbd\uc601\ubc29\uc2dd\uc784\uc744 \uae08\uc735\uc778\ub4e4\uc740 \ubbf8\ub9ac \uae68\ub2ec\uc544\uc57c \ud55c\ub2e4. \ud2b9\ud788 \uc8fc\uc778\uc774 \uc5c6\ub294 \ub300\ud615\uae08\uc735\uae30\uad00\uc77c\uc218\ub85d \ub354 \ub354\uc6b1 \uadf8\ub7ec\ud574\uc57c \ud55c\ub2e4. \uc9c0\uae08\uc740 \uae00\ub85c\ubc8c \uae08\uc735\ud575\ud3ed\ubc1c\uc774 \uc784\ubc15\ud588\uc74c\uc744 \uc54c\ub9ac\ub294 \uae34\uae09\uacbd\ubcf4\uac00 \ubc1c\ud574\uc9c4 \uc0c1\ud0dc\uc640 \uc804\ud600 \ub2e4\ub97c \ubc14\uac00 \uc5c6\uae30 \ub54c\ubb38\uc774\ub2e4.<\/p>\n

    \ubbf8\ubb3c\uc778 \uac1c\ubbf8\ub3c4 \ud0dc\ud48d\uc774 \uc624\uba74 \ubbf8\ub9ac \uc54c\uace0\ub294 \ubd80\ub7b4\ubd80\ub7b4 \ub300\ube44\ud558\ub294 \uc9c0\ud61c\ub97c \ubc1c\ud718\ud558\uac70\ub298, \ud558\ubb3c\uba70 \uc6b0\ub9ac \uc778\uac04\ub4e4\uc774 \uae08\uc735\ud575\ud3ed\ubc1c\uc744 \ubbf8\ub9ac \ub300\ube44\ud558\uac70\ub098 \ub35c \ud53c\ud574 \uc785\ub294 \uc9c0\ud61c\ub97c \uc65c \ubc1c\ud718\ud560 \uc218 \uc5c6\uaca0\ub294\uac00? \uc6b0\ub9ac \ubaa8\ub450 \uc120\uacac\ub825(\u5148\u898b\u529b)\uc774 \uc694\uad6c\ub418\ub294 \uc774 \uc2dc\ub300\uc758 \uc8fc\uc5ed\uc784\uc744 \uc78a\uc9c0 \ub9d0\uc790!<\/p>\n","protected":false},"excerpt":{"rendered":"

    \uc81c2\ucc28 \uacbd\uc81c\uc704\uae30\uac00 \ub2e4\uac00\uc624\uace0 \uc788\ub2e4! 2014.01.10 \uc6b0\ub9ac\ub098\ub77c\ub97c \uba39\uc5ec \uc0b4\ub9b4 \ucca8\ub2e8\uacfc\ud559\uae30\uc220\uad50\uc721\uae30\uad00\uc774 \ub418\ub77c\uace0 \uad6d\ubbfc\uc138\uae08\uc73c\ub85c \uc9c0\uc6d0\ud574 \uc8fc\uace0 \uc788\ub294 KAIST \uae08\uc735\uc804\ubb38\ub300\ud559\uc6d0\uc5d0\uc11c\uc870\ucc28\ub3c4 \uadf8 \uba38\ub9ac \uc88b\uc740 \uc7a0\uc7ac\uc778\uc7ac\ub4e4\uc744 \ubaa8\uc544\ub2e4\uac00 \uc774 \ud30c\uc0dd\uae08\uc735\uc0c1\ud488\uc744 \uc804\uacf5\ud558\ub294\ub370 \ub300\ubd80\ubd84 \ub9e4\ub2ec\ub9ac\uac8c \ud558\ub294 \uaf34\uc744 \ubcf4\uba74 \ucc38\uc73c\ub85c \uae30\uac00 \ucc28\uace0 \uc544\uc5f0\uc2e4\uc0c9\ud574\uc9c0\uae30\ub3c4 \ud55c\ub2e4.   \uae34\uae09\uacbd\ubcf4: 2\ucc28 \uae08\uc735\ud575\ud3ed\ubc1c(\u6838\u7206\u767c) \uc784\ubc15! \u00a0\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 \ud55c\uad6d\uacbd\uc81c\uc2e0\ubb38\uc5d0 \u2018\ud30c\uc0dd\uc0c1\ud488\uc5d0 \ub300\ud558\uc5ec \uc8fc\ubaa9\ud558\ub294 \uc774\uc720\u2019\ub77c\ub294 \uce7c\ub7fc\uc744 \uadf8\ub9ac\uace0 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","h5ap_radio_sources":[],"_jetpack_memberships_contains_paid_content":false,"ocean_post_oembed":"","ocean_post_self_hosted_media":"","ocean_post_video_embed":"","ocean_link_format":"","ocean_link_format_target":"self","ocean_quote_format":"","ocean_quote_format_link":"post","ocean_gallery_link_images":"on","ocean_gallery_id":[],"footnotes":""},"categories":[2,3],"tags":[83],"class_list":["post-5666","post","type-post","status-publish","format-standard","hentry","category-daybook","category-ideas-analysis","tag-83","entry"],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/serony.com\/ken\/wp-json\/wp\/v2\/posts\/5666","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/serony.com\/ken\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/serony.com\/ken\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/serony.com\/ken\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/serony.com\/ken\/wp-json\/wp\/v2\/comments?post=5666"}],"version-history":[{"count":1,"href":"https:\/\/serony.com\/ken\/wp-json\/wp\/v2\/posts\/5666\/revisions"}],"predecessor-version":[{"id":14044,"href":"https:\/\/serony.com\/ken\/wp-json\/wp\/v2\/posts\/5666\/revisions\/14044"}],"wp:attachment":[{"href":"https:\/\/serony.com\/ken\/wp-json\/wp\/v2\/media?parent=5666"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/serony.com\/ken\/wp-json\/wp\/v2\/categories?post=5666"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/serony.com\/ken\/wp-json\/wp\/v2\/tags?post=5666"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}