{"id":14100,"date":"2024-01-23T07:14:55","date_gmt":"2024-01-22T22:14:55","guid":{"rendered":"http:\/\/artnframe.co.kr\/?p=14100"},"modified":"2024-01-23T07:15:01","modified_gmt":"2024-01-22T22:15:01","slug":"sbi%ec%a0%80%ec%b6%95%ec%9d%80%ed%96%89-%ed%96%87%ec%82%b4%eb%a1%a0-%eb%8c%80%ec%b6%9c-%ec%9e%90%ea%b2%a9%ec%a1%b0%ea%b1%b4-%ea%b8%88%eb%a6%ac-%ed%95%9c%eb%8f%84-%ec%86%8c%ea%b0%9c","status":"publish","type":"post","link":"https:\/\/artnframe.co.kr\/?p=14100","title":{"rendered":"sbi\uc800\ucd95\uc740\ud589 \ud587\uc0b4\ub860 \ub300\ucd9c \uc790\uaca9\uc870\uac74 \uae08\ub9ac, \ud55c\ub3c4 \uc18c\uac1c"},"content":{"rendered":"<p>SBI\uc800\ucd95\uc740\ud589 \ud587\uc0b4\ub860 \ub300\ucd9c\uc5d0 \ub300\ud574 \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. SBI\uc800\ucd95\uc740\ud589\uc740 \uc800\uc2e0\uc6a9\/\uc800\uc18c\ub4dd \uadfc\ub85c\uc790\ub4e4\uc744 \uc704\ud574 \uc800\uae08\ub9ac\ub85c \uc790\uae08\uc744 \ub300\ucd9c\ud574\uc8fc\ub294 \uc0c1\ud488\uc744 \uc81c\uacf5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uc911\uc5d0\uc11c\ub3c4 \uac00\uc7a5 \ub9ce\uc774 \uc54c\ub824\uc9c4 \uc0c1\ud488 \uc911 \ud558\ub098\uac00 \ud587\uc0b4\ub860\uc785\ub2c8\ub2e4. \ud587\uc0b4\ub860\uc740 \uc815\ubd80\uc9c0\uc6d0 \ub300\ucd9c \uc0c1\ud488\uc73c\ub85c, \ucd5c\ub300 2\ucc9c\ub9cc\uc6d0\uae4c\uc9c0 \ube44\ub300\uba74 \uc628\ub77c\uc778\uc73c\ub85c \uc2e0\uccad\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4. \ucd5c\uadfc 1\ub144 \uc774\ub0b4 3\uac1c\uc6d4 \uc774\uc0c1 \uc7ac\uc9c1\ud55c \uadfc\ub85c\uc790 \uc911 \ucd94\uac00\uc801\uc778 \uc870\uac74\uc744 \ub9cc\uc871\ud55c\ub2e4\uba74 \ud587\uc0b4\ub860 \ub300\ucd9c \uc2e0\uccad\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"http:\/\/artnframe.co.kr\/wp-content\/uploads\/2024\/01\/sbi\uc800\ucd95\uc740\ud589\ud587\uc0b4\ub860.webp\" class=\"aligncenter\"><\/figure>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_81 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"\ubaa9\ucc28 \ud1a0\uae00\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/artnframe.co.kr\/?p=14100\/#%ED%96%87%EC%82%B4%EB%A1%A0_%EB%8C%80%EC%B6%9C_%EC%9E%90%EA%B2%A9_%EC%A1%B0%EA%B1%B4\" >\ud587\uc0b4\ub860 \ub300\ucd9c \uc790\uaca9 \uc870\uac74<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/artnframe.co.kr\/?p=14100\/#%ED%96%87%EC%82%B4%EB%A1%A0_%EB%8C%80%EC%B6%9C_%ED%95%9C%EB%8F%84\" >\ud587\uc0b4\ub860 \ub300\ucd9c \ud55c\ub3c4<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/artnframe.co.kr\/?p=14100\/#%ED%96%87%EC%82%B4%EB%A1%A0_%EB%8C%80%EC%B6%9C_%EC%8B%A0%EC%B2%AD_%EC%A0%88%EC%B0%A8\" >\ud587\uc0b4\ub860 \ub300\ucd9c \uc2e0\uccad \uc808\ucc28<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/artnframe.co.kr\/?p=14100\/#%EC%A3%BC%EC%9D%98%EC%82%AC%ED%95%AD\" >\uc8fc\uc758\uc0ac\ud56d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/artnframe.co.kr\/?p=14100\/#%EC%9E%90%EC%A3%BC_%EB%AC%BB%EB%8A%94_%EC%A7%88%EB%AC%B8%EA%B3%BC_%EB%8B%B5%EB%B3%80\" >\uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38\uacfc \ub2f5\ubcc0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/artnframe.co.kr\/?p=14100\/#%ED%96%87%EC%82%B4%EB%A1%A0_%EB%8C%80%EC%B6%9C%EC%9D%84_%EC%8B%A0%EC%B2%AD%ED%95%98%EB%A0%A4%EB%A9%B4_%EC%96%B4%EB%96%A4_%EC%A1%B0%EA%B1%B4%EC%9D%84_%EC%B6%A9%EC%A1%B1%ED%95%B4%EC%95%BC_%ED%95%98%EB%82%98%EC%9A%94\" >\ud587\uc0b4\ub860 \ub300\ucd9c\uc744 \uc2e0\uccad\ud558\ub824\uba74 \uc5b4\ub5a4 \uc870\uac74\uc744 \ucda9\uc871\ud574\uc57c \ud558\ub098\uc694?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/artnframe.co.kr\/?p=14100\/#%ED%96%87%EC%82%B4%EB%A1%A0_%EB%8C%80%EC%B6%9C%EC%9D%98_%EC%B5%9C%EB%8C%80_%ED%95%9C%EB%8F%84%EB%8A%94_%EC%96%BC%EB%A7%88%EC%9D%B8%EA%B0%80%EC%9A%94\" >\ud587\uc0b4\ub860 \ub300\ucd9c\uc758 \ucd5c\ub300 \ud55c\ub3c4\ub294 \uc5bc\ub9c8\uc778\uac00\uc694?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/artnframe.co.kr\/?p=14100\/#%ED%96%87%EC%82%B4%EB%A1%A0_%EB%8C%80%EC%B6%9C%EC%9D%98_%EC%9D%B4%EC%9E%90%EC%9C%A8%EC%9D%80_%EC%96%B4%EB%96%BB%EA%B2%8C_%EB%90%98%EB%82%98%EC%9A%94\" >\ud587\uc0b4\ub860 \ub300\ucd9c\uc758 \uc774\uc790\uc728\uc740 \uc5b4\ub5bb\uac8c \ub418\ub098\uc694?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/artnframe.co.kr\/?p=14100\/#%ED%96%87%EC%82%B4%EB%A1%A0_%EB%8C%80%EC%B6%9C%EC%9D%84_%EC%8B%A0%EC%B2%AD%ED%95%A0_%EB%95%8C_%EC%A3%BC%EC%9D%98%ED%95%B4%EC%95%BC_%ED%95%A0_%EC%A0%90%EC%9D%80_%EB%AC%B4%EC%97%87%EC%9D%B8%EA%B0%80%EC%9A%94\" >\ud587\uc0b4\ub860 \ub300\ucd9c\uc744 \uc2e0\uccad\ud560 \ub54c \uc8fc\uc758\ud574\uc57c \ud560 \uc810\uc740 \ubb34\uc5c7\uc778\uac00\uc694?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%ED%96%87%EC%82%B4%EB%A1%A0_%EB%8C%80%EC%B6%9C_%EC%9E%90%EA%B2%A9_%EC%A1%B0%EA%B1%B4\"><\/span>\ud587\uc0b4\ub860 \ub300\ucd9c \uc790\uaca9 \uc870\uac74<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\ud587\uc0b4\ub860 \ub300\ucd9c\uc744 \uc2e0\uccad\ud558\ub824\uba74 \uc77c\uc815\ud55c \uc790\uaca9 \uc870\uac74\uc744 \ucda9\uc871\ud574\uc57c \ud569\ub2c8\ub2e4. \ucd5c\uadfc 1\ub144 \uc774\ub0b4 3\uac1c\uc6d4 \uc774\uc0c1 \uc7ac\uc9c1\ud55c \uc790\uc5f0\uc778\uc774\uace0, \uc5f0 \uc18c\ub4dd\uc740 3,500\ub9cc\uc6d0 \uc774\ud558\uc774\uac70\ub098 4,500\ub9cc\uc6d0 \uc774\ud558\uc774\uba74\uc11c \uc2e0\uc6a9\ud3c9\uc810 \ud558\uc704 20%\uc5d0 \ud574\ub2f9\ud558\ub294 \uacbd\uc6b0 \uc2e0\uccad \uac00\ub2a5\ud569\ub2c8\ub2e4. \ub610\ud55c \ub9cc 19\uc138 \uc774\uc0c1\uc774\uace0 \uc2e0\uc6a9\uc810\uc218\ub97c \uc99d\ube59\ud560 \uc218 \uc788\ub294 \uace0\uac1d\ub3c4 \uc2e0\uccad \uc790\uaca9\uc744 \uac16\ucd94\uac8c \ub429\ub2c8\ub2e4.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%ED%96%87%EC%82%B4%EB%A1%A0_%EB%8C%80%EC%B6%9C_%ED%95%9C%EB%8F%84\"><\/span>\ud587\uc0b4\ub860 \ub300\ucd9c \ud55c\ub3c4<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\ud587\uc0b4\ub860\uc758 \ub300\ucd9c \ud55c\ub3c4\ub294 \ucd5c\ub300 2\ucc9c\ub9cc\uc6d0\uae4c\uc9c0 \uac00\ub2a5\ud569\ub2c8\ub2e4. \ub300\ucd9c \ud55c\ub3c4\ub294 \uc2e0\uccad\uc790\uc758 \uc2e0\uc6a9 \uc810\uc218, \uc7ac\uc0b0 \ubc0f \ubd80\ucc44 \uc0c1\ud669\uc5d0 \ub530\ub77c \ucc28\ub4f1\uc801\uc73c\ub85c \uc801\uc6a9\ub429\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc790\uc2e0\uc758 \uc2e0\uc6a9 \uc810\uc218\uc640 \uc7ac\uc0b0 \uc0c1\ud669\uc744 \uace0\ub824\ud558\uc5ec \ucd5c\ub300\ud55c \ub192\uc740 \ud55c\ub3c4\ub97c \ubc1b\uc744 \uc218 \uc788\ub3c4\ub85d \ub178\ub825\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \ub300\ucd9c \uae08\ub9ac\ub294 \uc5f0 10.5%\ub85c \uace0\uc815\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 2022\ub144 12\uc6d4 \uae30\uc900\uc73c\ub85c \ubcc0\ub3d9 \uae08\ub9ac\uac00 \uc801\uc6a9\ub418\uba70 \uc5f0\uccb4\uae08\ub9ac\ub294 \uc57d\uc815 \uae08\ub9ac\uc5d0 3%\ub97c \ub354\ud55c \uae08\ub9ac\ub85c \ucc45\uc815\ub429\ub2c8\ub2e4. \ub300\ucd9c \uae30\uac04\uc740 \ub300\ucd9c \uc2e0\uccad \uc2dc \ub300\ucd9c \uae08\uc561\uc5d0 \ub530\ub77c \uc815\ud574\uc9c0\uba70, \ub300\ucd9c \uae30\uac04\uc5d0 \ubcc4\ub3c4\uc758 \uba85\uc2dc\uac00 \uc5c6\uc2b5\ub2c8\ub2e4. \ub300\ucd9c\uc758 \uc218\uc218\ub8cc\ub294 \uc911\ub3c4 \uc0c1\ud658\uc774\ub098 \ub9cc\uae30 \uc5f0\uc7a5 \uc218\uc218\ub8cc\uac00 \uc5c6\uc73c\uba70, \ucde8\uae09 \uc218\uc218\ub8cc\ub3c4 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%ED%96%87%EC%82%B4%EB%A1%A0_%EB%8C%80%EC%B6%9C_%EC%8B%A0%EC%B2%AD_%EC%A0%88%EC%B0%A8\"><\/span>\ud587\uc0b4\ub860 \ub300\ucd9c \uc2e0\uccad \uc808\ucc28<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\ud587\uc0b4\ub860 \ub300\ucd9c\uc744 \uc704\ud574 \ud544\uc694\ud55c \uad6c\ube44\uc11c\ub958\ub294 \uc2e0\ubd84\uc99d\uacfc \uc7ac\uc9c1 \uc99d\uba85\uc11c, \uadfc\ub85c \uc18c\ub4dd \uc99d\ube59 \uc790\ub8cc\uc785\ub2c8\ub2e4. \uc774 \uc678\uc5d0\ub3c4 \uc800\ucd95\uc740\ud589\uc774 \uc694\uccad\ud558\ub294 \uc11c\ub958\uac00 \uc788\uc744 \uc218 \uc788\uc73c\ub2c8 \uc2e0\uccad \uc804\uc5d0 \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4. \ub300\ucd9c \uc2e0\uccad\uc740 \ube44\ub300\uba74\uc73c\ub85c \uc628\ub77c\uc778\uc73c\ub85c \uc9c4\ud589\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c \uc601\uc5c5\uc810\uc744 \ud1b5\ud574 \ub300\ucd9c \uc2e0\uccad\uc744 \ud560 \uc218\ub3c4 \uc788\uc73c\ub2c8 \ucc38\uace0\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"http:\/\/artnframe.co.kr\/wp-content\/uploads\/2024\/01\/sbi\uc800\ucd95\uc740\ud589\ud587\uc0b4\ub860-1.webp\" class=\"aligncenter\"><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"%EC%A3%BC%EC%9D%98%EC%82%AC%ED%95%AD\"><\/span>\uc8fc\uc758\uc0ac\ud56d<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\ud587\uc0b4\ub860\uc744 \uc2e0\uccad\ud560 \ub54c \uc8fc\uc758\ud574\uc57c \ud560 \uc810 \uc911 \ud558\ub098\ub294 \uc5f0\uccb4\uac00 \uc5c6\ub294 \uc0c1\ud0dc\ub85c \ub300\ucd9c\uc744 \uc774\uc6a9\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uc5f0\uccb4\uac00 \ubc1c\uc0dd\ud558\uba74 \uc57d\uc815 \uae08\ub9ac\uc5d0 3%\ub97c \ub354\ud558\uc5ec \uc5f0\uccb4\uae08\ub9ac\uac00 \uc801\uc6a9\ub418\ub2c8 \uc8fc\uc758\ud574\uc57c \ud569\ub2c8\ub2e4. \ub530\ub77c\uc11c \ub9e4\ub2ec \uc774\uc790\ub97c \ucd94\uac00\ub85c \uc9c0\ubd88\ud558\uc9c0 \uc54a\uace0 \uc6d0\ub9ac\uae08\uc744 \uc0c1\ud658\ud558\uc5ec \uc5f0\uccb4 \uc5c6\uc774 \uc774\uc6a9\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n<p>SBI\uc800\ucd95\uc740\ud589\uc758 \ud587\uc0b4\ub860\uc740 \uc800\uc2e0\uc6a9\/\uc800\uc18c\ub4dd \uadfc\ub85c\uc790\ub4e4\uc5d0\uac8c \uc800\uae08\ub9ac\ub85c \uc790\uae08\uc744 \ub300\ucd9c\ud574\uc8fc\ub294 \uc0c1\ud488\uc785\ub2c8\ub2e4. \ucd5c\ub300 2\ucc9c\ub9cc\uc6d0\uae4c\uc9c0 \ub300\ucd9c\uc774 \uac00\ub2a5\ud558\uba70, \uc800\uc2e0\uc6a9\uc790\ub098 \ubb34\uc9c1\uc790\ub3c4 \uc774\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc800\uc2e0\uc6a9\uc790\ub098 \uc800\uc18c\ub4dd \uadfc\ub85c\uc790\ubd84\ub4e4\uc740 SBI\uc800\ucd95\uc740\ud589 \ud587\uc0b4\ub860\uc744 \uace0\ub824\ud574\ubcf4\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n<p>\ud587\uc0b4\ub860\uc5d0 \ub300\ud55c \uc0c1\uc138\ud55c \uc815\ubcf4\uc640 \uc2e0\uccad \ubc29\ubc95\uc740 SBI\uc800\ucd95\uc740\ud589\uc758 \uacf5\uc2dd \uc0ac\uc774\ud2b8\ub97c \ucc38\uace0\ud558\uc2dc\uba74 \ub429\ub2c8\ub2e4. \ub610\ud55c \ub300\ucd9c \ud55c\ub3c4\ub97c \ubb34\ub8cc\ub85c \uc870\ud68c\ud560 \uc218 \uc788\ub294 \ub9c1\ud06c\ub3c4 \uc81c\uacf5\ub418\ub2c8 \ud544\uc694\ud55c \uacbd\uc6b0 \ud655\uc778\ud574 \ubcf4\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%EC%9E%90%EC%A3%BC_%EB%AC%BB%EB%8A%94_%EC%A7%88%EB%AC%B8%EA%B3%BC_%EB%8B%B5%EB%B3%80\"><\/span>\uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38\uacfc \ub2f5\ubcc0<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div itemscope itemtype=\"https:\/\/schema.org\/FAQPage\">\n<div itemprop=\"mainEntity\" itemscope itemtype=\"https:\/\/schema.org\/Question\">\n<h3 itemprop=\"name\"><span class=\"ez-toc-section\" id=\"%ED%96%87%EC%82%B4%EB%A1%A0_%EB%8C%80%EC%B6%9C%EC%9D%84_%EC%8B%A0%EC%B2%AD%ED%95%98%EB%A0%A4%EB%A9%B4_%EC%96%B4%EB%96%A4_%EC%A1%B0%EA%B1%B4%EC%9D%84_%EC%B6%A9%EC%A1%B1%ED%95%B4%EC%95%BC_%ED%95%98%EB%82%98%EC%9A%94\"><\/span>\ud587\uc0b4\ub860 \ub300\ucd9c\uc744 \uc2e0\uccad\ud558\ub824\uba74 \uc5b4\ub5a4 \uc870\uac74\uc744 \ucda9\uc871\ud574\uc57c \ud558\ub098\uc694?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div itemprop=\"acceptedAnswer\" itemscope itemtype=\"https:\/\/schema.org\/Answer\">\n<p itemprop=\"text\">\ud587\uc0b4\ub860 \ub300\ucd9c\uc744 \uc2e0\uccad\ud558\ub824\uba74 \ucd5c\uadfc 1\ub144 \uc774\ub0b4 3\uac1c\uc6d4 \uc774\uc0c1 \uc7ac\uc9c1\ud55c \uc790\uc5f0\uc778\uc774\uc5b4\uc57c \ud558\uba70, \uc5f0 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