{"id":44635,"date":"2023-06-06T13:35:39","date_gmt":"2023-06-06T17:35:39","guid":{"rendered":"https:\/\/www.presbyterianfoundation.org\/?p=44635"},"modified":"2025-07-18T10:50:25","modified_gmt":"2025-07-18T14:50:25","slug":"%ea%b5%90%ed%9a%8c%ec%9d%98-%eb%8c%80%ec%b0%a8%eb%8c%80%ec%a1%b0%ed%91%9c-%ea%b4%80%eb%a6%ac%eb%8a%94-%ec%9e%ac%ec%a0%95-%ec%95%88%ec%a0%95%ec%84%b1%ec%97%90-%eb%a7%a4%ec%9a%b0-%ec%a4%91%ec%9a%94","status":"publish","type":"post","link":"https:\/\/www.presbyterianfoundation.org\/ko\/resources\/news\/managing-your-churchs-balance-sheet-is-crucial-to-financial-stability\/","title":{"rendered":"\uad50\ud68c\uc758 \ub300\ucc28 \ub300\uc870\ud45c\ub97c \uad00\ub9ac\ud558\ub294 \uac83\uc740 \uc7ac\uc815 \uc548\uc815\uc131\uc5d0 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4."},"content":{"rendered":"<p>\uad50\ud68c\uac00 \ubb34\uc5c7\uc744 \uac00\uc9c0\uace0 \uc788\uace0 \ubb34\uc5c7\uc744 \ube5a\uc9c0\uace0 \uc788\ub294\uc9c0 \uc774\ud574\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \"\uc790\uc0b0\uacfc \ubd80\ucc44\" \uc6e8\ube44\ub098 \ubc1c\ud45c\uc790\ub4e4\uc740 \ud0c0\uc774\ubc0d\ub3c4 \uc911\uc694\ud558\ub2e4\uace0 \ub9d0\ud569\ub2c8\ub2e4: \uad50\ud68c\uc758 \ub300\ucc28 \ub300\uc870\ud45c \uad00\ub9ac\"\ub77c\ub294 5\uc6d4 23\uc77c \uc6e8\ube44\ub098\uc5d0\uc11c \ubc1c\ud45c\uc790\ub4e4\uc740 \uc774\ub807\uac8c \ub9d0\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc774 \uc6e8\ube44\ub098\ub294 \ub2e4\uc74c \uae30\uad00\uc774 \ud6c4\uc6d0\ud558\uace0 \uc8fc\ucd5c\ud588\uc2b5\ub2c8\ub2e4. <a href=\"https:\/\/www.presbyterianfoundation.org\/ko\/\">\uc7a5\ub85c\uad50 \uc7ac\ub2e8<\/a>, <a href=\"https:\/\/newcovenanttrust.com\/\">\uc0c8\ub85c\uc6b4 \uacc4\uc57d \uc2e0\ud0c1 \ud68c\uc0ac<\/a>\ubc0f <a href=\"https:\/\/pilp.pcusa.org\/\">\uc7a5\ub85c\uad50 \ud22c\uc790 \ubc0f \ub300\ucd9c \ud504\ub85c\uadf8\ub7a8<\/a>.<\/p>\n<p>\uc804\uccb4 \uc6e8\ube44\ub098\ub97c \uc2dc\uccad\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <a href=\"https:\/\/youtu.be\/wf1bhqlYPrQ\">\uc5ec\uae30<\/a>.<\/p>\n<p>\uc7a5\ub85c\uad50 \uc7ac\ub2e8\uc758 \ub3d9\ub0a8\ubd80 \uc9c0\uc5ed \uc218\uc11d \uc0ac\uc5ed \uad00\uacc4 \ucc45\uc784\uc790\uc778 \ub85c\ubc84\ud2b8 \ud5e4\uc774 \uc8fc\ub2c8\uc5b4\ub294 \ucc38\uac00\uc790\ub4e4\uc5d0\uac8c \uad50\ud68c \ub300\ucc28 \ub300\uc870\ud45c \uc0d8\ud50c\uc744 \ubcf4\uc5ec\uc8fc\uc5c8\uc2b5\ub2c8\ub2e4. \uc5ec\uae30\uc5d0\ub294 \ub2e4\uc74c\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4:<\/p>\n<ul>\n<li>\uc790\uc0b0, \uc989 \ub2f9\uc88c \ubc0f \uc800\ucd95 \uacc4\uc88c\uc785\ub2c8\ub2e4;<\/li>\n<li>\uc7a5\uae30 \uc790\uc0b0, \uc989 \ud22c\uc790 \ubc0f \uae30\ubd80 \uacc4\uc815\uc785\ub2c8\ub2e4;<\/li>\n<li>\uae09\uc5ec \ubc0f \ubbf8\uc9c0\uae09\uae08\uacfc \uac19\uc740 \uc720\ub3d9 \ubd80\ucc44<\/li>\n<li>\uc21c\uc790\uc0b0\uc5d0\ub294 \uc77c\ubc18 \uc6b4\uc601 \uc790\uae08, \ubb34\uc81c\ud55c\/\uc900\ube44\uae08, \uc9c0\uc815 \uc790\uae08 \ubc0f \uc601\uad6c\uc801\uc73c\ub85c \uc81c\ud55c\ub41c \uc790\uae08\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p>\ub450 \ubc88\uc9f8 \uc0d8\ud50c \ub300\ucc28 \ub300\uc870\ud45c\uc5d0\ub294 \ubd80\ub3d9\uc0b0 \ubc0f \uac74\ubb3c\uacfc \uac19\uc740 \uace0\uc815 \uc790\uc0b0\uacfc \ub2e4\uc74c\uacfc \uac19\uc740 \uc7a5\uae30 \ubd80\ucc44\uac00 \ucd94\uac00\ub418\uc5c8\uc2b5\ub2c8\ub2e4. <a href=\"https:\/\/pilp.pcusa.org\/borrow\/\">\ud22c\uc790 \ubc0f \ub300\ucd9c \ud504\ub85c\uadf8\ub7a8\uc5d0 \uc9c0\ubd88\ud574\uc57c \ud558\ub294 \ubaa8\uae30\uc9c0 \uae08\uc561<\/a>\uadf8\ub9ac\uace0 \uc21c\uc790\uc0b0 \uc544\ub798\uc5d0 \uac74\ubb3c \uc8fc\uc2dd \ud380\ub4dc\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ud5e4\uc774\ub294 \uad50\ud68c\uc758 \uac00\uc7a5 \ud070 \uc790\uc0b0\uc740 \ub300\uac1c \ubd80\ub3d9\uc0b0\uc774\uc9c0\ub9cc, \ubd80\ucc44\uac00 \uc5c6\ub294 \ud55c \ubd80\ub3d9\uc0b0 \ubc0f \uae30\ud0c0 \uace0\uc815 \uc790\uc0b0\uc740 \ub300\ucc28\ub300\uc870\ud45c\uc5d0 \ud3ec\ud568\ud560 \ud544\uc694\uac00 \uc5c6\ub2e4\uace0 \ub9d0\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc77c\ubd80 \uad50\ud68c \uc7ac\uc815 \uc9c0\ub3c4\uc790\ub4e4\uc740 \ud22c\uc790\ub97c \ub108\ubb34 \uc704\ud5d8\ud558\ub2e4\uace0 \uc0dd\uac01\ud55c\ub2e4\uace0 \uadf8\ub294 \ub9d0\ud588\uc2b5\ub2c8\ub2e4. \uc2e0\uc911\ud568\uc774 \ud544\uc694\ud558\uc9c0\ub9cc \"\uc120\ud55c \uccad\uc9c0\uae30\uac00 \ub41c\ub2e4\ub294 \uac83\uc740 \uc6b0\ub9ac\uc5d0\uac8c \uc8fc\uc5b4\uc9c4 \uac83\uc744 \uadf9\ub300\ud654\ud558\ub294 \uac83\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4.\"<\/p>\n<p>Hay\ub294 \ub2e4\uc74c\uacfc \uac19\uc740 \ucc45\uc744 \ucd94\ucc9c\ud569\ub2c8\ub2e4. <a href=\"https:\/\/www.goodreads.com\/author\/list\/1947948.Edd_Breeden\">\uc5d0\ub4dc \ube0c\ub9ac\ub4e0<\/a>\uc7a5\ub85c\uad50 \ubaa9\uc0ac\uc785\ub2c8\ub2e4: \"\uad50\ud68c \uc7ac\ubb34 \ub9e4\ub274\uc5bc 2020\", \"\uad50\ud68c \uc7ac\ubb34\ub97c \uc704\ud55c \ud578\ub4dc\ubd81\", \"\uad50\ud68c \ubc0f \uae30\ud0c0 \ube44\uc601\ub9ac \ub2e8\uccb4\ub97c \uc704\ud55c \uc790\uc6d0\ubd09\uc0ac\uc790 \uac10\uc0ac \uac00\uc774\ub4dc\"\ub97c \uc9d1\ud544\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p><strong>\ubd80\ucc44 \ucc98\ub9ac<\/strong><\/p>\n<p>\uad50\ud68c\uc758 \ubd80\ucc44\ub97c \uad00\ub9ac\ud558\ub294 \ubc29\ubc95\uc740 \ubd80\ubd84\uc801\uc73c\ub85c \ud0c0\uc774\ubc0d\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c4\ub2e4\uace0 \uad50\ud68c\uc758 CEO\uc778 \uc9d0 \ub9ac\uc2ac\ub7ec\ub294 \ub9d0\ud569\ub2c8\ub2e4. <a href=\"https:\/\/pilp.pcusa.org\">\uc7a5\ub85c\uad50 \ud22c\uc790 \ubc0f \ub300\ucd9c \ud504\ub85c\uadf8\ub7a8<\/a> (PILP). \uc7a5\uae30 \ubd80\ucc44\ub294 \uc0c1\ud658 \uae30\uac04\uc774 1\ub144\uc744 \ucd08\uacfc\ud558\ub294 \ubc18\uba74, \ub2e8\uae30 \ubd80\ucc44\ub294 \ud5a5\ud6c4 12\uac1c\uc6d4 \uc774\ub0b4\uc5d0 \uc804\uc561 \uc0c1\ud658\ud574\uc57c \ud569\ub2c8\ub2e4. \uadf8\ub294 \uc77c\ubd80 \ud504\ub85c\uc81d\ud2b8\ub294 \ubbf8\ub8f0 \uc218 \uc5c6\ub2e4\uace0 \uc9c0\uc801\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uad50\ud68c\ub294 \uc0c8\ub85c\uc6b4 \ubd80\ucc44\uac00 \uc7a5\uae30\uc801\uc778 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud558\uae30 \uc704\ud55c \uac83\uc778\uc9c0 \uc544\ub2c8\uba74 \ub2e8\uae30\uc801\uc778 \uc7ac\uc815\uc801 \uc548\uc815\uc744 \uc704\ud55c \uac83\uc778\uc9c0, \uc77c\ud68c\uc131\uc778\uc9c0 \ubc18\ubcf5\ub418\ub294 \uc0c1\ud669\uc778\uc9c0 \ud3c9\uac00\ud574\uc57c \ud569\ub2c8\ub2e4. \ub610\ud55c \uad50\ud68c\uac00 \ubd80\ucc44\ub97c \uc5b4\ub5bb\uac8c \uacc4\ud68d\ud558\uace0 \uad00\ub9ac\ud560 \uac83\uc778\uc9c0 \uacb0\uc815\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\ub2f9\uc5f0\ud788 \uac00\uc7a5 \ud070 \uc9c8\ubb38\uc740 \uc5bc\ub9c8\ub098 \ub9ce\uc740 \ubd80\ucc44\ub97c \uac10\ub2f9\ud560 \uc218 \uc788\ub294\uac00 \ud558\ub294 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\ub9ac\uc2ac\ub7ec\ub294 \uace0\ub824\ud574\uc57c \ud560 \ub124 \uac00\uc9c0 \uc694\uc18c\ub97c \uc124\uba85\ud588\uc2b5\ub2c8\ub2e4:<\/p>\n<ul>\n<li>\uc9c0\ub09c 3\ub144 \ub3d9\uc548 \uc6b4\uc601 \uc608\uc0b0\uc5d0\uc11c \uc0c1\ub2f9\ud55c \ubd80\ucc44\uac00 \uc788\ub294 \uacbd\uc6b0;<\/li>\n<li>\uae30\ubd80\uac00 \uac15\ub825\ud558\uace0 \uc77c\uad00\ub41c \uacbd\uc6b0;<\/li>\n<li>\uc608\ube44\uae08\uc774 \uc788\ub294 \uacbd\uc6b0<\/li>\n<li>\uc774\ub7ec\ud55c \uc900\ube44\uae08\uc744 \uc0ac\uc6a9\ud558\ub294 \uac83\uc774 \uc9c0\uc18d \uac00\ub2a5\ud55c\uc9c0 \uc5ec\ubd80\uc785\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p><strong>\uc790\ubcf8 \uc544\uc774\ub514\uc5b4<\/strong><\/p>\n<p>\uad50\ud68c\uac00 \ub300\ucd9c\uc774 \ud544\uc694\ud560 \uc218 \uc788\ub294 \uc0c1\ud669\uc5d0 \uc9c1\uba74\ud588\uc744 \ub54c, \ubaa8\uae08 \ucea0\ud398\uc778\uc744 \uac04\uacfc\ud558\uc9c0 \ub9c8\uc138\uc694.<\/p>\n<p>\ub9ac\uc2ac\ub7ec\ub294 \"\uc790\ubcf8 \ucea0\ud398\uc778\uc774 \uc788\uc744 \ub54c \uae30\ub300\ud560 \uc218 \uc788\ub294 \uac83\uacfc \uc5c6\uc744 \ub54c \ud3ec\uae30\ud560 \uc218 \uc788\ub294 \uac83\uc744 \uc544\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.\"\ub77c\uace0 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n<p>\uadf8\ub294 \uae30\ubd80\uc790\ub4e4\uc774 \uae30\ubd80\uc758 \ud6a8\uacfc\ub97c \uc9c1\uc811 \ubcf4\uace0 \uacbd\ud5d8\ud560 \uc218 \uc788\ub294 \uc0c8\ub85c\uc6b4 \ud504\ub85c\uc81d\ud2b8\uc758 \ud765\ubd84\ub41c \uc2dc\uae30\uc57c\ub9d0\ub85c \uc790\ubcf8 \ucea0\ud398\uc778\uc744 \ud558\uae30\uc5d0 \uac00\uc7a5 \uc88b\uc740 \uc2dc\uae30\ub77c\uace0 \ub9d0\ud569\ub2c8\ub2e4. \ub208\uc5d0 \ubcf4\uc774\ub294 \ub9ac\ub178\ubca0\uc774\uc158\uc774\ub098 1\uc6d4\uc758 \uc0c8 \ubcf4\uc77c\ub7ec \uc124\uce58\uac00 \uadf8 \uc608\uc785\ub2c8\ub2e4.<\/p>\n<p>\ub9ac\uc2ac\ub7ec\ub294 \ub610\ud55c \uc804\ubb38 \uc790\ubcf8 \ucea0\ud398\uc778 \ucee8\uc124\ud134\ud2b8\uac00 \uc9c4\ud589\ud558\ub294 \uc790\ubcf8 \ucea0\ud398\uc778\uc740 \uc77c\ubc18\uc801\uc73c\ub85c \uc6b4\uc601 \uc11c\uc57d\uc758 2~2.5\ubc30\ub97c \ubaa8\uae08\ud55c\ub2e4\uace0 \uc5b8\uae09\ud588\uc2b5\ub2c8\ub2e4. \uc774\uc5d0 \ube44\ud574 \ub0b4\ubd80\uc801\uc73c\ub85c \uc9c4\ud589\ud558\ub294 \uc790\ubcf8 \ucea0\ud398\uc778\uc740 \uc77c\ubc18\uc801\uc73c\ub85c \uc6b4\uc601 \uc57d\uc815\uc561\uc758 1~1.5\ubc30\uc5d0 \ubd88\uacfc\ud569\ub2c8\ub2e4.<\/p>\n<p>\uae30\ud0c0 \uace0\ub824 \uc0ac\ud56d: \uc790\ubcf8 \ucea0\ud398\uc778 \uc790\uae08\uc744 \ub2e4\ub978 \uc790\uae08\uc774\ub098 \uc6b4\uc601 \uc608\uc0b0\uacfc \ud63c\uc6a9\ud558\uc9c0 \ub9c8\uc138\uc694. \ub610\ud55c \uc790\ubcf8 \ucea0\ud398\uc778 \uc790\uae08\uc744 2~3\ub144 \uc774\ub0b4\uc5d0 \uc0ac\uc6a9\ud560 \uc608\uc815\uc774\ub77c\uba74 \uc6d0\uae08 \uac00\uce58\uac00 \uc704\ud5d8\ud558\uace0 \ubcc0\ub3d9 \uac00\ub2a5\uc131\uc774 \uc788\ub294 \uacf3\uc5d0 \ud22c\uc790\ud558\uc9c0 \uc54a\ub294 \uac83\uc774 \uc88b\ub2e4\uace0 \uadf8\ub294 \ub9d0\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uadf8\ub9ac\uace0 \ud504\ub85c\uc81d\ud2b8\uc5d0 \uc5bc\ub9c8\ub098 \ub9ce\uc740 \uc2dc\uac04\uacfc \ube44\uc6a9\uc774 \ud544\uc694\ud55c\uc9c0 \ud68c\uc911\uc5d0\uac8c \ud22c\uba85\ud558\uac8c \uacf5\uac1c\ud558\uc138\uc694.<\/p>\n<p>\ub9ac\uc2ac\ub7ec\ub294 \"\ub180\ub784 \uc77c\uc740 \uc5c6\uc5b4\uc57c \ud569\ub2c8\ub2e4.\"\ub77c\uace0 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n<p><strong>\ubcc0\ud654\uac00 \uc77c\uc5b4\ub0a0 \ub54c<\/strong><\/p>\n<p>PILP\uc758 \uc601\uc5c5 \ubc0f \ub9c8\ucf00\ud305 \ub2f4\ub2f9 \uc218\uc11d \ubd80\uc0ac\uc7a5\uc778 \ud074\ub808\uc5b4 \ub8e8\uc774\uc2a4\ub294 2\ub144, 3\ub144\uc758 \ucea0\ud398\uc778\uc73c\ub85c \ub300\ucd9c\uae08\uc744 \uc644\uc804\ud788 \ub610\ub294 \ub300\ubd80\ubd84 \uc0c1\ud658\ud558\ub294 \uac83\uc774 \uc88b\uc740 \uacbd\ud5d8 \ubc95\uce59\uc774\ub77c\uace0 \ub9d0\ud569\ub2c8\ub2e4. \ubd80\ucc44 \uc0c1\ud658\uc561\uc774 \uc6b4\uc601 \uc608\uc0b0\uc758 10~13% \uc815\ub3c4\uac00 \ub420 \ub54c\uae4c\uc9c0\ub294 \ubd80\ucc44 \uc0c1\ud658\uc561\uc744 \uc6b4\uc601 \uc608\uc0b0\uc73c\ub85c \uc62e\uae30\uc9c0 \uc54a\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ud558\uc9c0\ub9cc \ubaa9\uc0ac\uac00 \ub5a0\ub0a9\ub2c8\ub2e4. \uad50\ud68c\uac00 \ubd84\uc5f4\ub429\ub2c8\ub2e4. \uc7ac\uc815 \ub9ac\ub354\uc2ed\uc774 \uad50\uccb4\ub429\ub2c8\ub2e4.<\/p>\n<p>\ubd80\ucc44\ub294 \uc5ec\uc804\ud788 \uc874\uc7ac\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub8e8\uc774\uc2a4\ub294 \ubcc0\uacbd\ub41c \uc0ac\ud56d\uc744 \uc8fc\uc758 \uae4a\uac8c \uc0b4\ud3b4\ubcf4\ub77c\uace0 \uc870\uc5b8\ud588\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \uad50\ud68c \uc6b4\uc601 \uc608\uc0b0\uc774 \ub108\ubb34 \ub9ce\uc774 \uc99d\uac00\ud588\ub098\uc694? \ud5cc\uae08 \uc218\uc785\uc774 \uac10\uc18c\ud588\ub098\uc694? \uad50\ud68c\uac00 \uacc4\ud68d\ud588\ub358 \ub450 \ubc88\uc9f8 \uc790\ubcf8\uae08 \ucea0\ud398\uc778\uc744 \uc81c\ub300\ub85c \uc774\ud589\ud588\ub294\uac00?<\/p>\n<p>\uc774\ub97c \uc644\ud654\ud558\ub824\uba74 \uc774\uc790\ub97c \ucc3d\ucd9c\ud560 \uc218 \uc788\ub294 \ubbf8\uc158 \uc694\uc18c\ub098 \uc18c\uaddc\ubaa8 \ud504\ub85c\uc81d\ud2b8\ub97c \ud1b5\ud574 \ubd80\ucc44\ub97c \uc904\uc774\ub294 \ucea0\ud398\uc778\uc744 \uace0\ub824\ud558\uc138\uc694. \ubd80\ucc44 \uc0c1\ud658 \uad00\ub9ac\uc640 \ubd80\ucc44 \uad00\ub9ac \uc0ac\uc774\uc758 \uc801\uc808\ud55c \uade0\ud615\uc744 \uc720\uc9c0\ud558\uba74\uc11c \uc7ac\uc735\uc790\ub97c \ud558\ub294 \uac83\ub3c4 \ub610 \ub2e4\ub978 \ud574\uacb0\ucc45\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p><strong>\uc790\uc0b0 \ubc0f \ud0c0\uc774\ubc0d<\/strong><\/p>\n<p>\uc81c\uc784\uc2a4 \uce90\ub9ac, \ud22c\uc790 \ubc0f \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad00\ub9ac \uc11c\ube44\uc2a4 \ub2f4\ub2f9 \uc774\uc0ac, \ub2e4\uc74c \uae30\uc5c5 <a href=\"https:\/\/newcovenanttrust.com\">\uc0c8 \uc5b8\uc57d \uc2e0\ud0c1<\/a>\ub294 \ud22c\uc790 \uacb0\uacfc\ub294 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 \uc7a5\uae30\uc801\uc778 \uc790\uc0b0 \uad6c\uc131\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c4\ub2e4\uace0 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n<p>\uce90\ub9ac\ub294 \"\uc790\uae08\uc774 \ud544\uc694\ud55c \uc2dc\uc810\uc5d0 \ub9de\ucdb0 \uae30\uac04\uc744 \uc815\ud558\uc138\uc694.\"\ub77c\uace0 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc774\ub7ec\ud55c \uc635\uc158\uc740 \ubcf4\uc218\uc801 \uc18c\ub4dd(1~3\ub144), \uade0\ud615(3~7\ub144), \uade0\ud615 \uc131\uc7a5(7~10\ub144 \uc774\uc0c1) \ub4f1 \ub2e4\uc591\ud569\ub2c8\ub2e4. \uce90\ub9ac\ub294 \uc548\uc804\uc131\uacfc \uc720\ub3d9\uc131\uc744 \uc720\uc9c0\ud558\uba74\uc11c \uc218\uc775\uc744 \uadf9\ub300\ud654\ud558\ub294 \uac83\uc774 \ud575\uc2ec\uc774\ub77c\uace0 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub610\ud55c \uc218\uc218\ub8cc\uc640 \ube44\uc6a9\uc5d0 \ub300\ud574 \ubbf8\ub9ac \ud30c\uc545\ud558\uace0 \uac01 \uacc4\uc88c\uc758 \ubaa9\uc801, \ubaa9\ud45c, \uc77c\uc815\uc744 \uc11c\uba74 \ud22c\uc790 \uc815\ucc45 \uc124\uba85\uc11c(IPS)\uc5d0 \ubb38\uc11c\ud654\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p>\uadf8\ub9ac\uace0 \uc801\uc808\ud55c \uacbd\uc6b0 \uc804\ubb38\uac00\uc758 \ub3c4\uc6c0\uc744 \ubc1b\uc73c\uc138\uc694.<\/p>\n<p>\uc0c8 \uc5b8\uc57d \uc2e0\ud0c1 \ud68c\uc0ac \uc678\uc5d0\ub3c4 \uc7ac\ubb34 \uac80\ud1a0 \uccb4\ud06c\ub9ac\uc2a4\ud2b8, \ub2e4\uc74c\uacfc \uac19\uc740 \ub9ac\uc18c\uc2a4\uac00 \ud3ec\ud568\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. <a href=\"https:\/\/www.presbyterianfoundation.org\/ko\/%eb%b6%80%ec%b2%98-%ea%b4%80%ea%b3%84-%eb%8b%b4%eb%8b%b9%ea%b4%80\/\">\ubd80\ucc98 \uad00\uacc4 \ub2f4\ub2f9\uad00<\/a>\ub178\ud68c\uc640 \ub300\ud68c \uc9c1\uc6d0, \ub178\ud68c\uc640 \ub300\ud68c \uc9c1\uc6d0, \uadf8\ub9ac\uace0 <a href=\"http:\/\/churchfla.com\">\uad50\ud68c \uc7ac\uc815 \ub9ac\ub354\uc2ed \uc544\uce74\ub370\ubbf8<\/a> (\uc561\uc138\uc2a4 \ucf54\ub4dc PCUSA) \ubc0f <a href=\"http:\/\/stewardshipnavigator.com\">\uc2a4\ud29c\uc5b4\ub4dc\uc2ed \ub124\ube44\uac8c\uc774\ud130<\/a>.<\/p>","protected":false},"excerpt":{"rendered":"<p>Understanding what your congregation has and what it owes is important. So is timing, said the presenters of \u201cAssets and Liabilities: Managing your Church\u2019s Balance Sheet,\u201d a May 23 webinar. [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":44636,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[117],"tags":[],"class_list":["post-44635","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.presbyterianfoundation.org\/ko\/wp-json\/wp\/v2\/posts\/44635","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.presbyterianfoundation.org\/ko\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.presbyterianfoundation.org\/ko\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.presbyterianfoundation.org\/ko\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.presbyterianfoundation.org\/ko\/wp-json\/wp\/v2\/comments?post=44635"}],"version-history":[{"count":0,"href":"https:\/\/www.presbyterianfoundation.org\/ko\/wp-json\/wp\/v2\/posts\/44635\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.presbyterianfoundation.org\/ko\/wp-json\/wp\/v2\/media\/44636"}],"wp:attachment":[{"href":"https:\/\/www.presbyterianfoundation.org\/ko\/wp-json\/wp\/v2\/media?parent=44635"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.presbyterianfoundation.org\/ko\/wp-json\/wp\/v2\/categories?post=44635"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.presbyterianfoundation.org\/ko\/wp-json\/wp\/v2\/tags?post=44635"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}