{"id":49426,"date":"2026-04-10T11:03:43","date_gmt":"2026-04-10T15:03:43","guid":{"rendered":"https:\/\/www.presbyterianfoundation.org\/?p=49426"},"modified":"2026-04-06T11:12:30","modified_gmt":"2026-04-06T15:12:30","slug":"%ea%b0%80%ec%b9%98-%ea%b8%b0%eb%b0%98-%ed%88%ac%ec%9e%90%eb%8a%94-%ea%b5%90%ed%9a%8c-%ec%b2%ad%ec%a7%80%ea%b8%b0-%ec%a0%95%ec%8b%a0%ec%9d%98-%ec%a4%91%ec%9a%94%ed%95%9c-%eb%b6%80%eb%b6%84%ec%9e%85","status":"publish","type":"post","link":"https:\/\/www.presbyterianfoundation.org\/ko\/resources\/news\/values-based-investing-is-a-crucial-part-of-stewardship-for-churches\/","title":{"rendered":"\uac00\uce58 \uae30\ubc18 \ud22c\uc790\ub294 \uad50\ud68c \uccad\uc9c0\uae30 \uc815\uc2e0\uc758 \uc911\uc694\ud55c \ubd80\ubd84\uc785\ub2c8\ub2e4."},"content":{"rendered":"<p>\uccab \ubc88\uc9f8 <a href=\"https:\/\/www.luminosityconference.org\/\">\ub8e8\ubbf8\ub178\uc2dc\ud2f0 \ucee8\ud37c\ub7f0\uc2a4<\/a>, 2026\ub144 3\uc6d4 9\uc77c\ubd80\ud130 11\uc77c\uae4c\uc9c0 \ud50c\ub85c\ub9ac\ub2e4\uc8fc \uc62c\ub79c\ub3c4\uc5d0\uc11c \uac1c\ucd5c\ub418\ub294 \ubd84\uacfc\ubcc4 \uc6cc\ud06c\uc20d\uc5d0\uc11c\ub294 \ub2e4\uc74c\uacfc \uac19\uc774 \ubc1c\ud45c\ud569\ub2c8\ub2e4. <a href=\"https:\/\/newcovenanttrust.com\/\">\uc0c8\ub85c\uc6b4 \uacc4\uc57d \uc2e0\ud0c1 \ud68c\uc0ac<\/a> \ub294 \uad50\ud68c \uc9c0\ub3c4\uc790\ub4e4\uc5d0\uac8c \uc2e0\uc559, \uccad\uc9c0\uae30 \uc815\uc2e0, \ud22c\uc790 \uc0ac\uc774\uc758 \uad00\uacc4\uc5d0 \ub300\ud574 \uae4a\uc774 \uc0dd\uac01\ud574 \ubcf4\ub3c4\ub85d \ucd08\ub300\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc8fc\ucd5c \ubc0f \ud6c4\uc6d0 <a href=\"https:\/\/www.presbyterianfoundation.org\/ko\/\">\uc7a5\ub85c\uad50 \uc7ac\ub2e8<\/a>, \uccab \ud574\ub97c \ub9de\uc774\ud55c \ub8e8\ubbf8\ub178\uc2dc\ud2f0 \ucee8\ud37c\ub7f0\uc2a4\uc5d0\uc11c\ub294 \uc7a5\ub85c\uad50\uc778\ub4e4\uc774 \ubaa8\uc5ec \ud559\uc2b5\uacfc \uc5f0\uacb0, \uc601\uac10\uc744 \ub098\ub204\uc5c8\uc2b5\ub2c8\ub2e4. \ud55c \ubd84\uacfc \uc138\uc158\uc5d0\uc11c\ub294 \ub274 \ucee4\ubc84\ub10c\ud2b8 \ud2b8\ub7ec\uc2a4\ud2b8 \ucef4\ud37c\ub2c8\uc758 \uc0ac\uc7a5 \uacb8 CEO\uc778 \uc548\uc824\ub77c \ub354\ud53c\uac00 \ud22c\uc790 \ubc0f \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad00\ub9ac \ub2f4\ub2f9 \ubd80\uc0ac\uc7a5 \uc81c\uc784\uc2a4 \uce90\ub9ac, \uc7ac\ubb34 \ubc0f \ud22c\uc790 \uae30\ud68d \ub2f4\ub2f9 \ube0c\ub77c\uc774\uc5b8 \ub514\ucee4\uc2a8\uacfc \ud568\uaed8 \uad50\ud68c\uc640 \uc0ac\uc5ed\uc744 \uc704\ud55c \uc2e0\uc2e4\ud55c \ud22c\uc790\uc758 \uc2e4\uc81c \ubaa8\uc2b5\uc744 \uc0b4\ud3b4\ubcf4\ub294 \uc2dc\uac04\uc744 \uac00\uc84c\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub354\ud53c\ub294 \uae30\ub3c5\uad50\uc801 \uccad\uc9c0\uae30 \uc815\uc2e0\uc5d0 \uadfc\uac70\ud558\uc5ec \ub300\ud654\ub97c \uc2dc\uc791\ud558\uba70 \uc138\uc158\uc744 \uc2dc\uc791\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\u201c\ub9e4\uc8fc \uc77c\uc694\uc77c\ub9c8\ub2e4 \ub9d0\ud558\uac70\ub098 \ub4e3\ub294 \uac83\ucc98\ub7fc \uc6b0\ub9ac\uac00 \uac00\uc9c4 \ubaa8\ub4e0 \uac83\uc740 \ud558\ub098\ub2d8\uc758 \uac83\uc785\ub2c8\ub2e4.\u201d\ub77c\uace0 \ub354\ud53c\ub294 \ub9d0\ud569\ub2c8\ub2e4. \u201c\uadf8\ub9ac\uace0 \uc6b0\ub9ac\uac00 \uac00\uc9c4 \ubaa8\ub4e0 \uc790\uc6d0\uc744 \uc120\ud558\uac8c \uad00\ub9ac\ud558\uc5ec \uc138\uc0c1\uc5d0\uc11c \ud558\ub098\ub2d8\uc758 \uc120\uad50\ub97c \uc99d\uc9c4\ud560 \uc218 \uc788\ub3c4\ub85d \ud574\uc57c \ud569\ub2c8\ub2e4.\u201d<\/p>\n<p><strong>\uad50\ud68c \ud22c\uc790\ub294 \uc81c\uc790 \ud6c8\ub828\uc5d0 \uad00\ud55c \uac83\uc785\ub2c8\ub2e4<\/strong><\/p>\n<p>\ub354\ud53c\uc5d0\uac8c \ud22c\uc790 \uc804\ub7b5\uc740 \ub2e8\uc21c\ud788 \uc218\uc775\ub960\uc5d0 \uad00\ud55c \uac83\uc774 \uc544\ub2c8\ub77c \uc790\uc6d0\uc744 \uc0ac\uc5ed\uc5d0 \ub9de\uac8c \uc870\uc815\ud558\ub294 \uac83\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4.<\/p>\n<p>\u201c\uc6b0\ub9ac\ub294 \uc2e0\uc2e4\ud55c \ud22c\uc790\uac00 \uad50\ud68c\ub098 \uc870\uc9c1\uc774 \uc774 \ub545\uc5d0\uc11c \uadf8\ub9ac\uc2a4\ub3c4\uc758 \uc0ac\uba85\uc744 \uc644\uc218\ud560 \uc218 \uc788\ub294 \ubc29\ubc95 \uc911 \ud558\ub098\uac00 \ub420 \uc218 \uc788\ub2e4\uace0 \ubd05\ub2c8\ub2e4.\u201d\ub77c\uace0 \uadf8\ub140\ub294 \ub9d0\ud569\ub2c8\ub2e4. \u201c\uadf8\ub798\uc11c \uc6b0\ub9ac\ub294 \ud22c\uc790\ub97c \uc81c\uc790\ub3c4\ub97c \ud655\uc7a5\ud560 \uc218 \uc788\ub294 \uc7a0\uc7ac\uc801\uc778 \ubc29\ubc95, \uc989 \uc6b0\ub9ac\uc758 \uc790\uc6d0\uc744 \uc138\uc0c1\uc5d0\uc11c \ud558\ub098\ub2d8\uc758 \ubaa9\uc801\uc5d0 \ub9de\ucd9c \uc218 \uc788\ub294 \ubc29\ubc95\uc73c\ub85c \ubd05\ub2c8\ub2e4.\u201d<\/p>\n<p>\ub3d9\uc2dc\uc5d0 \uadf8\ub140\ub294 \uad50\ud68c\uc640 \uc0ac\uc5ed\uc5d0\uc11c \uc131\uacfc\ub97c \ubb34\uc2dc\ud560 \uc218 \uc5c6\ub2e4\uace0 \uac15\uc870\ud588\ub294\ub370, \uc774\ub7ec\ud55c \uc790\uc0b0\uc740 \uad50\ud68c\uac00 \ubd09\uc0ac\ud560 \uc218 \uc788\ub294 \ub2a5\ub825\uc5d0 \ub9e4\uc6b0 \uc911\uc694\ud558\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n<p>\uadf8\ub140\ub294 \uc774\ub7ec\ud55c \uade0\ud615\uc774 \ub274 \ucee4\ubc84\ub10c\ud2b8 \ud2b8\ub7ec\uc2a4\ud2b8 \ucef4\ud37c\ub2c8\uc758 \uc811\uadfc \ubc29\uc2dd\uc758 \ud575\uc2ec\uc774\ub77c\uace0 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n<p>\u201c\ub354\ud53c\ub294 \u201d\uc6b0\ub9ac\ub294 \ud754\ud788 \uc798\ud558\ub294 \uac83\uacfc \uc88b\uc740 \uc77c\uc744 \ub3d9\uc2dc\uc5d0 \ud560 \uc218 \uc788\ub2e4\uace0 \ub9d0\ud569\ub2c8\ub2e4.\"\ub77c\uace0 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub354\ud53c\ub294 \ub610\ud55c \ubbf8\uad6d \uc7a5\ub85c\uad50\ud68c\uc640 \uadf8 \ubc16\uc758 \uad50\ud68c\uc640 \uae30\uad00\uc5d0 \ubd09\uc0ac\ud558\uae30 \uc704\ud574 1998\ub144\uc5d0 \uc124\ub9bd\ub41c \ubbf8\uad6d \uc7a5\ub85c\uad50 \uc7ac\ub2e8\uc758 \uc790\ud68c\uc0ac\ub85c\uc11c \ub274 \uc5b8\uc57d \uc2e0\ud0c1 \ud68c\uc0ac\uc758 \uc5ed\ud560\uc5d0 \ub300\ud574\uc11c\ub3c4 \uc124\uba85\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\u201c\uc6b0\ub9ac\ub294 \uc8fc\ub85c \ubbf8\uad6d\uc7a5\ub85c\uad50 \ub0b4\uc758 \uc7a5\ub85c\uad50\ud68c\uc640 \uae30\uad00\uc5d0 \ucd08\uc810\uc744 \ub9de\ucd94\uace0 \uc788\uc2b5\ub2c8\ub2e4.\u201d\ub77c\uace0 \uadf8\ub140\ub294 \ub9d0\ud569\ub2c8\ub2e4. \u201c\uc6b0\ub9ac\ub294 \uc5ec\ub7ec\ubd84\uc744 \uc5b4\ub5bb\uac8c \ub3d5\uace0 \uc9c0\uc6d0\ud560 \uc218 \uc788\ub294\uc9c0\uc5d0 \ucd08\uc810\uc744 \ub9de\ucd94\uace0 \uc788\uc2b5\ub2c8\ub2e4.\u201d<\/p>\n<p>\uadf8\ub140\ub294 \ud68c\uc0ac\uc758 \uc11c\ube44\uc2a4 \ubaa8\ub378\uc774 \uc218\uc775\ubcf4\ub2e4\ub294 \ub3cc\ubd04\uc5d0 \ubfcc\ub9ac\ub97c \ub450\uace0 \uc788\ub2e4\uace0 \uc124\uba85\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p><strong>PC(\ubbf8\uad6d)\uac00 \uc790\uc0b0\uc744 \uc0ac\uc6a9\ud558\uc5ec \uae30\uc5c5\uc744 \ud64d\ubcf4\ud558\ub294 \ubc29\ubc95<\/strong><\/p>\n<p>\ube0c\ub77c\uc774\uc5b8 \ub514\ucee4\uc2a8\uc740 \uc0ac\ud68c\uc801 \ucc45\uc784 \ud22c\uc790\uc5d0 \ub300\ud55c \uc7a5\ub85c\uad50 \ucc38\uc5ec\uc758 \uc5ed\uc0ac\uc801 \ubfcc\ub9ac\ub97c \uc0b4\ud3b4\ubcf4\uae30 \uc804\uc5d0 \ucc38\uac00\uc790\ub4e4\uc744 \uc704\ud55c \ub300\ud654\ud615 \uc9c8\ubb38\uc73c\ub85c \uc624\ud6c4 \uc138\uc158\uc5d0 \ud65c\uae30\ub97c \ubd88\uc5b4\ub123\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\u201c\ub514\ucee4\uc2a8\uc740 \u201d\uad50\ud68c \ud22c\uc790\ub294 \ub2e8\uc21c\ud788 \uc2e4\uc6a9\uc801\uc778 \ubb38\uc81c \uadf8 \uc774\uc0c1\uc785\ub2c8\ub2e4.\u201c\ub77c\uace0 \ub9d0\ud569\ub2c8\ub2e4. \u201d\uadf8\uac83\uc740 \ub610\ud55c \uc120\uad50\uc758 \ub3c4\uad6c\uc774\uba70 \uc2e0\ud559\uc801, \uc0ac\ud68c\uc801, \uacbd\uc81c\uc801 \uace0\ub824 \uc0ac\ud56d\uc744 \ud3ec\ud568\ud569\ub2c8\ub2e4.\"<\/p>\n<p>\ub514\ucee4\uc2a8\uc740 \ucc38\uc11d\uc790\ub4e4\uc5d0\uac8c \ub2e4\uc74c\uacfc \uac19\uc740 \uacfc\uc815\uc744 \uc548\ub0b4\ud588\uc2b5\ub2c8\ub2e4. <a href=\"https:\/\/www.youtube.com\/watch?v=tjYvpr0UJuc\">\ud22c\uc790\ub97c \ud1b5\ud55c \uc0ac\uba85 \ucc45\uc784<\/a>, \ub610\ub294 \ubbf8\uad6d \uc7a5\ub85c\uad50\ud68c\uc758 \uc0ac\ud68c\uc801 \ucc45\uc784 \ud22c\uc790 \ud504\ub808\uc784\uc6cc\ud06c\uc778 MRTI\ub97c \uc18c\uac1c\ud569\ub2c8\ub2e4. \uadf8\ub294 \ud3c9\ud654, \uc778\uc885 \uc815\uc758, \uacbd\uc81c \ubc0f \uc0ac\ud68c \uc815\uc758, \ud658\uacbd \ucc45\uc784, \uc5ec\uc131\uc744 \uc704\ud55c \uc815\uc758 \ub4f1\uc758 \uc6b0\uc120\uc21c\uc704\ub97c \uac15\uc870\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uac70\uae30\uc11c\ubd80\ud130 \uc81c\uc784\uc2a4 \uce90\ub9ac\ub294 \uc7a5\ub85c\uad50 \ud22c\uc790\ub97c \ub354 \ub113\uc740 \uc5ed\uc0ac\uc801, \uc2e4\uc81c\uc801 \ub9e5\ub77d\uc5d0\uc11c \ubc14\ub77c\ubcf4\uba74\uc11c \ub300\ud654\ub97c \ud655\uc7a5\ud588\uc2b5\ub2c8\ub2e4. \uadf8\ub294 \uc2e0\uc559\uc5d0 \uae30\ubc18\ud55c \ud22c\uc790\uc790\ub4e4\uc774 \ud2b9\ud788 \ub0a8\uc544\ud504\ub9ac\uce74\uc758 \uc544\ud30c\ub974\ud2b8\ud5e4\uc774\ud2b8 \uc0c1\ud669\uc5d0\uc11c \uae30\uc5c5 \uc8fc\uc2dd\uc744 \ucc45\uc784\uac10 \uc788\uac8c \ubcf4\uc720\ud558\ub294 \uac83\uc774 \ubb34\uc5c7\uc744 \uc758\ubbf8\ud558\ub294\uc9c0 \ubb3b\uae30 \uc2dc\uc791\ud55c 1970\ub144\ub300 \ucd08\ub85c \uac70\uc2ac\ub7ec \uc62c\ub77c\uac14\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uad50\ud68c\uac00 \ubcf4\uc720\ud55c \uc8fc\uc2dd\uc744 \uc774\uc6a9\ud574 \uae30\uc5c5\ub4e4\uc774 \uc544\ud30c\ub974\ud2b8\ud5e4\uc774\ud2b8 \uc885\uc2dd\uc744 \uc704\ud574 \uad00\ud589\uc744 \ubc14\uafb8\ub3c4\ub85d \uc555\ubc15\ud560 \uc218 \uc788\uc744\uae4c\uc694? \ubbf8\uad6d\uc7a5\ub85c\uad50\uc640 \ub2e4\ub978 \uc2e0\uc559\uacfc \uac00\uce58\uc5d0 \uae30\ubc18\ud55c \ud22c\uc790\uc790\ub4e4\uc774 \uc81c\ub108\ub7f4 \ubaa8\ud130\uc2a4\ub97c \ube44\ub86f\ud55c \uae30\uc5c5\ub4e4\uc5d0\uac8c \ub0a8\uc544\uacf5\uc5d0\uc11c\uc758 \uc0ac\uc5c5\uc744 \uc911\ub2e8\ud558\uace0 \uc544\ud30c\ub974\ud2b8\ud5e4\uc774\ud2b8 \uc815\ubd80\uc640\uc758 \uad00\uacc4\ub97c \ub04a\uc73c\ub77c\uace0 \ucd09\uad6c\ud588\uc744 \ub54c \ubc14\ub85c \uadf8\ub7f0 \uc77c\uc774 \uc77c\uc5b4\ub0ac\uc2b5\ub2c8\ub2e4. \uacb0\uad6d \ub9ce\uc740 \uae30\uc5c5\ub4e4\uc774 \ud22c\uc790\uc790\ub4e4\uc758 \uc555\ub825\uc5d0 \uc751\ud588\uace0, \uc774\ub7ec\ud55c \uacbd\uc81c\uc801 \uc870\uce58\ub294 \ub0a8\uc544\uacf5\uc774 \uc544\ud30c\ub974\ud2b8\ud5e4\uc774\ud2b8\ub97c \uc885\uc2dd\uc2dc\ud0a4\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n<p><strong>\ud22c\uc790\ub294 \uad50\ud68c\ub97c \uc704\ud55c \ub3c4\uad6c\uc785\ub2c8\ub2e4<\/strong><\/p>\n<p>\uce90\ub9ac\ub294 \ub124\uac70\ud2f0\ube0c \uc2a4\ud06c\ub9ac\ub2dd, \ud3ec\uc9c0\ud2f0\ube0c \uc2a4\ud06c\ub9ac\ub2dd, \uc784\ud329\ud2b8 \ud22c\uc790, \uc8fc\uc8fc \ucc38\uc5ec \ub4f1 \ud22c\uc790\uc790\uac00 \uc0ac\uc6a9\ud560 \uc218 \uc788\ub294 \uba87 \uac00\uc9c0 \ub3c4\uad6c\uc5d0 \ub300\ud574 \uc124\uba85\ud588\uc2b5\ub2c8\ub2e4. \uadf8\ub294 \ubbff\uc74c\uc5d0 \uae30\ubc18\ud55c \ud22c\uc790\ub294 \ud2b9\uc815 \uae30\uc5c5\uc744 \ud53c\ud558\ub294 \uac83\ubfd0\ub9cc \uc544\ub2c8\ub77c \ub354 \ub098\uc740 \uae30\uc5c5 \ud589\ub3d9\uc744 \uc801\uadf9\uc801\uc73c\ub85c \uc9c0\uc9c0\ud558\uace0 \ubcc0\ud654\ub97c \uc704\ud574 \uc8fc\uc8fc\uc758 \uc601\ud5a5\ub825\uc744 \uc0ac\uc6a9\ud558\ub294 \uac83\uc774\ub77c\uace0 \uac15\uc870\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\u201c\uc758\ubb34 \uc911 \ud558\ub098\ub294 \uc870\uc9c1\uc758 \uc0ac\uba85\uc5d0 \ub300\ud55c \ucda9\uc131\uc758 \uc758\ubb34\uc785\ub2c8\ub2e4.\u201d\ub77c\uace0 \uce90\ub9ac\ub294 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc989, \ud22c\uc790 \uacb0\uc815\uc744 \ub0b4\ub9ac\ub294 \uad50\ud68c \uc9c0\ub3c4\uc790\ub4e4\uc740 \uac1c\uc778\uc801 \uc120\ud638\ubcf4\ub2e4\ub294 \uad50\ud68c \uc120\uad50\ub77c\ub294 \ub80c\uc988\ub97c \ud1b5\ud574 \ud22c\uc790\ub97c \ud3c9\uac00\ud574\uc57c \ud55c\ub2e4\uace0 \uadf8\ub294 \ub9d0\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\u201c\uc774\uac83\uc740 \uc815\ub9d0 \uad50\ud68c\uc758 \uc0ac\uba85\uc5d0 \uad00\ud55c \uac83\uc785\ub2c8\ub2e4.\u201d\ub77c\uace0 \uce90\ub9ac\ub294 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n<p>\uadf8\ub294 \ub610\ud55c \ucc45\uc784 \ud22c\uc790\uac00 \ubc18\ub4dc\uc2dc \uc7ac\ubb34\uc801 \uc131\uacfc \uc57d\ud654\ub97c \uc758\ubbf8\ud55c\ub2e4\ub294 \uac00\uc815\uc5d0 \ub300\ud574\uc11c\ub3c4 \ubc18\ubc15\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\u201c\uc218\uc775\uc744 \ud3ec\uae30\ud558\uace0 \uc2f6\uc9c0 \uc54a\uc544\uc11c \ucc45\uc784 \ud22c\uc790\ub97c \ud560 \uc218 \uc5c6\ub2e4\uace0 \uc790\uc2e0 \uc788\uac8c \ub9d0\ud560 \uc218 \uc788\ub294 \uc0ac\ub78c\uc740 \uc544\ubb34\ub3c4 \uc5c6\uc2b5\ub2c8\ub2e4.\u201d\ub77c\uace0 \uce90\ub9ac\ub294 \ub9d0\ud569\ub2c8\ub2e4. \u201c2026\ub144\uc5d0\ub294 \uadf8\ub807\uc9c0 \uc54a\uc744 \uac83\uc785\ub2c8\ub2e4.\u201d<\/p>\n<p>\uce90\ub9ac\ub294 \uc7a5\uae30\uc801\uc778 \uc804\ub7b5\uacfc \uc5c5\uacc4 \ub370\uc774\ud130\ub97c \ud1b5\ud574 \ucc45\uc784 \ud22c\uc790\uac00 \uc7a5\uae30\uc801\uc73c\ub85c \uc798 \uc218\ud589\ub420 \uacbd\uc6b0 \uc2dc\uc7a5 \ubca4\uce58\ub9c8\ud06c\uc5d0 \ubd80\ud569\ud558\ub294 \uc131\uacfc\ub97c \uac70\ub458 \uc218 \uc788\uc74c\uc744 \uc2dc\uc0ac\ud588\uc2b5\ub2c8\ub2e4. \uadf8\ub294 \ub610\ud55c \uad50\ud68c\uc640 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