{"id":1618,"date":"2025-04-05T21:20:05","date_gmt":"2025-04-05T12:20:05","guid":{"rendered":"https:\/\/people.rich365.co.kr\/?p=1618"},"modified":"2025-04-05T21:31:51","modified_gmt":"2025-04-05T12:31:51","slug":"%ea%b5%ad%ec%84%b8%ec%b2%ad-%ec%9b%90%ed%81%b4%eb%a6%ad%ed%99%98%ea%b8%89%ec%84%9c%eb%b9%84%ec%8a%a4-%ec%82%ac%ec%9a%a9%eb%b0%a9%eb%b2%95-%ec%82%bc%ec%a9%9c%ec%82%bc%ea%b3%bc-%ec%b0%a8%ec%9d%b4","status":"publish","type":"post","link":"https:\/\/people.rich365.co.kr\/?p=1618","title":{"rendered":"\uad6d\uc138\uccad &#8216;\uc6d0\ud074\ub9ad\ud658\uae09\uc11c\ube44\uc2a4&#8217; \uc0ac\uc6a9\ubc29\ubc95 | \uc0bc\uca5c\uc0bc\uacfc \ucc28\uc774\uc810\uc740?"},"content":{"rendered":"\n<p>\uad6d\uc138\uccad\uc740 2025\ub144 3\uc6d4 31\uc77c\uc5d0 &#8216;\uc6d0\ud074\ub9ad&#8217; \ud658\uae09 \uc11c\ube44\uc2a4\ub97c \uac1c\ud1b5\ud588\uc2b5\ub2c8\ub2e4. \uc774 \uc11c\ube44\uc2a4\ub294 \ub0a9\uc138\uc790\uac00 \ucd5c\ub300 5\ub144 \uce58 \uc885\ud569\uc18c\ub4dd\uc138 \ud658\uae09\uae08\uc561\uc744 \ud55c \ubc88\uc5d0 \ud655\uc778\ud558\uace0 \ud074\ub9ad \ud55c \ubc88\uc73c\ub85c \ud658\uae09 \uc2e0\uccad\uc744 \uc644\ub8cc\ud560 \uc218 \uc788\ub294 \ud601\uc2e0\uc801\uc778 \uc11c\ube44\uc2a4\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uac04\ud3b8 \uc5f0\ub9d0\uc815\uc0b0\uc5d0 \uc774\uc5b4 \uad6d\uc138\uccad \uc11c\ube44\uc2a4\uac00 \uc810\uc810 \uc88b\uc544\uc9c0\ub124\uc694! \ud544\uc694\uc774\uc0c1\uc73c\ub85c \uc218\uc218\ub8cc\ub97c \ub9ce\uc774 \uac00\uc9c0\uace0 \uac00\ub358 \uc0bc\uca5c\uc0bc \ub300\ube44 \uc5b4\ub5a4 \uc7a5\uc810\uc774 \uc788\ub294\uc9c0 \uc54c\uc544\ubcfc\uaed8\uc694!<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/people.rich365.co.kr\/wp-content\/uploads\/2025\/04\/\uc81c\ubaa9\uc744-\uc785\ub825\ud574\uc8fc\uc138\uc694_-004-500x500.jpg\" alt=\"\" class=\"wp-image-1620\" srcset=\"https:\/\/people.rich365.co.kr\/wp-content\/uploads\/2025\/04\/\uc81c\ubaa9\uc744-\uc785\ub825\ud574\uc8fc\uc138\uc694_-004-500x500.jpg 500w, https:\/\/people.rich365.co.kr\/wp-content\/uploads\/2025\/04\/\uc81c\ubaa9\uc744-\uc785\ub825\ud574\uc8fc\uc138\uc694_-004-300x300.jpg 300w, https:\/\/people.rich365.co.kr\/wp-content\/uploads\/2025\/04\/\uc81c\ubaa9\uc744-\uc785\ub825\ud574\uc8fc\uc138\uc694_-004-150x150.jpg 150w, https:\/\/people.rich365.co.kr\/wp-content\/uploads\/2025\/04\/\uc81c\ubaa9\uc744-\uc785\ub825\ud574\uc8fc\uc138\uc694_-004-768x768.jpg 768w, https:\/\/people.rich365.co.kr\/wp-content\/uploads\/2025\/04\/\uc81c\ubaa9\uc744-\uc785\ub825\ud574\uc8fc\uc138\uc694_-004-120x120.jpg 120w, https:\/\/people.rich365.co.kr\/wp-content\/uploads\/2025\/04\/\uc81c\ubaa9\uc744-\uc785\ub825\ud574\uc8fc\uc138\uc694_-004.jpg 1080w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">\uc6d0\ud074\ub9ad \ud658\uae09 \uc11c\ube44\uc2a4\uc758 \uc8fc\uc694 \ud2b9\uc9d5<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\uc11c\ube44\uc2a4 \uac1c\uc694<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ucd5c\ub300 5\ub144 \uce58 \ud658\uae09\uae08\uc561\uc744 \ud55c \ubc88\uc5d0 \ubcf4\uc5ec\uc8fc\uace0 \ud074\ub9ad \ud55c \ubc88\uc73c\ub85c \ud658\uae09 \uc2e0\uccad \uac00\ub2a5<\/li>\n\n\n\n<li>\ud658\uae09 \ub300\uc0c1\uc790\uc5d0\uac8c\ub294 \ud578\ub4dc\ud3f0 \uc54c\ub9bc\ud1a1\uc73c\ub85c \uac1c\ubcc4 \uc548\ub0b4<\/li>\n\n\n\n<li>\uad6d\uc138\uccad \uc778\uc99d \ub9c8\ud06c\uac00 \uc788\ub294 \uc54c\ub9bc \uba54\uc2dc\uc9c0\ub97c \ubc1b\uc73c\uba74 \ud648\ud0dd\uc2a4\uc5d0\uc11c \ud658\uae09 \uc2e0\uccad \uac00\ub2a5<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\ub300\uc0c1 \ubc0f \uaddc\ubaa8<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>5,000\uc6d0 \uc774\uc0c1 \ud658\uae09\uc138\uc561\uc774 \uc788\ub294 \uc778\uc801\uc6a9\uc5ed \uc18c\ub4dd\uc790\ub098 \uadfc\ub85c\uc18c\ub4dd\uc790 \ub4f1 311\ub9cc \uba85<\/li>\n\n\n\n<li>\ucd1d 2,900\uc5b5 \uc6d0 \uaddc\ubaa8\uc758 \ud658\uae09\uae08 \uc9c0\uae09 \uc608\uc815(\ub0a9\uc138\uc790 1\uc778\ub2f9 \ud3c9\uade0 9\ub9cc3\ucc9c\uc6d0)<\/li>\n\n\n\n<li>\uc0dd\uc5c5\uc5d0 \ubc14\ube60 \ud658\uae09 \uc2e0\uace0\ub97c \ub193\uce5c &#8216;N\uc7a1\ub7ec'(75\ub9cc\uba85, 24%)\uc640 60\ub300 \uc774\uc0c1 \uace0\ub839\uc790(107\ub9cc\uba85, 34%)\uac00 \uc8fc\uc694 \ud61c\ud0dd \ub300\uc0c1<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\uc11c\ube44\uc2a4 \uc7a5\uc810<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ubb34\ub8cc\ub85c \uc774\uc6a9 \uac00\ub2a5(\ubbfc\uac04\uc5c5\uccb4\ub294 \ud658\uae09 \uae08\uc561\uc758 10~20%\ub97c \uc218\uc218\ub8cc\ub85c \ubd80\uacfc)<\/li>\n\n\n\n<li>\uac1c\uc778\uc815\ubcf4 \uc720\ucd9c \uc704\ud5d8 \ucd5c\uc18c\ud654(\uad6d\uc138\uccad\uc774 \uc774\ubbf8 \ubcf4\uc720\ud55c \uc790\ub8cc\ub9cc\uc73c\ub85c \ud658\uae09 \uc2e0\uccad \uc548\ub0b4)<\/li>\n\n\n\n<li>\ube45\ub370\uc774\ud130 \ubd84\uc11d\uc744 \ud1b5\ud574 \ub2e4\uc591\ud55c \uacf5\uc81c \uc694\uac74\uc744 \uac80\ud1a0\ud558\uc5ec \uacfc\ub2e4 \ud658\uae09\uc5d0 \ub530\ub978 \uac00\uc0b0\uc138 \uc704\ud5d8 \ubc29\uc9c0<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uc6d0\ud074\ub9ad \ud658\uae09 \uc2e0\uccad \ubc29\ubc95<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>PC(\ud648\ud0dd\uc2a4)\uc5d0\uc11c \uc2e0\uccad\ud558\ub294 \ubc29\ubc95<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\uad6d\uc138\uccad \ud648\ud0dd\uc2a4(<a href=\"http:\/\/www.hometax.go.kr\/\" target=\"_blank\" rel=\"noopener\">www.hometax.go.kr<\/a>) \uc811\uc18d<\/li>\n\n\n\n<li>\uacf5\ub3d9\uc778\uc99d\uc11c \ub610\ub294 \uac04\ud3b8 \uc778\uc99d\uc73c\ub85c \ub85c\uadf8\uc778<\/li>\n\n\n\n<li>&#8216;\uc6d0\ud074\ub9ad \ud658\uae09 \uc2e0\uace0 \ubc14\ub85c\uac00\uae30&#8217; \ud074\ub9ad<\/li>\n\n\n\n<li>\ud658\uae09 \uc608\uc0c1 \uae08\uc561 \ud655\uc778<\/li>\n\n\n\n<li>&#8216;\uc774\ub300\ub85c \uc2e0\uace0\ud558\uae30&#8217; \ubc84\ud2bc\uc744 \ub20c\ub7ec \uc2e0\uccad \uc644\ub8cc<\/li>\n<\/ol>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\ubaa8\ubc14\uc77c\uc5d0\uc11c \uc2e0\uccad\ud558\ub294 \ubc29\ubc95<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\uad6d\uc138\uccad \uc571 \uc811\uc18d<\/li>\n\n\n\n<li>\uacf5\ub3d9\/\uac04\ud3b8\uc778\uc99d\uc73c\ub85c \ub85c\uadf8\uc778<\/li>\n\n\n\n<li>&#8216;\uc885\ud569\uc18c\ub4dd\uc138 \uc6d0\ud074\ub9ad \ud658\uae09\uc2e0\uace0&#8217; \uc120\ud0dd<\/li>\n\n\n\n<li>\uc774\ub984, \ud658\uae09 \ubc1b\uc744 \uae08\uc561, \uacc4\uc88c\ubc88\ud638 \ud655\uc778<\/li>\n\n\n\n<li>\uc57d\uad00\uc5d0 \ub3d9\uc758 \ud6c4 &#8216;\uc774\ub300\ub85c \uc2e0\uace0\ud558\uae30&#8217; \ubc84\ud2bc \ud074\ub9ad<\/li>\n<\/ol>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\ud658\uae09\uae08 \ucc98\ub9ac \uae30\uac04<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ud45c\uc2dc\ub41c \ud658\uae09 \uae08\uc561 \uadf8\ub300\ub85c \uc2e0\uccad\ud560 \uacbd\uc6b0: \uc57d 1\uac1c\uc6d4 \uc774\ub0b4\uc5d0 \uc2e0\uace0\ud55c \uacc4\uc88c\ub85c \uc785\uae08<\/li>\n\n\n\n<li>\ud658\uae09 \uae08\uc561\uc744 \uc218\uc815\ud558\uc5ec \uc2e0\uccad\ud560 \uacbd\uc6b0: \ucd94\uac00 \uac80\ud1a0 \uc808\ucc28\ub85c \uc778\ud574 \uc57d 2~3\uac1c\uc6d4 \uc18c\uc694 \uac00\ub2a5<\/li>\n<\/ul>\n\n\n\n<p>\uad6d\uc138\uccad\uc740 \uc774 \uc11c\ube44\uc2a4\ub97c \ud1b5\ud574 \ub0a9\uc138\uc790\ub4e4\uc774 \ubcf5\uc7a1\ud55c \uc808\ucc28 \uc5c6\uc774 \ud3b8\ub9ac\ud558\uac8c \ud658\uae09\uae08\uc744 \ubc1b\uc744 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><a href=\"https:\/\/hometax.go.kr\/websquare\/websquare.html?w2xPath=\/ui\/pp\/index_pp.xml&amp;menuCd=index3\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"122\" src=\"https:\/\/people.rich365.co.kr\/wp-content\/uploads\/2025\/04\/image-500x122.png\" alt=\"\" class=\"wp-image-1621\" srcset=\"https:\/\/people.rich365.co.kr\/wp-content\/uploads\/2025\/04\/image-500x122.png 500w, https:\/\/people.rich365.co.kr\/wp-content\/uploads\/2025\/04\/image-300x73.png 300w, https:\/\/people.rich365.co.kr\/wp-content\/uploads\/2025\/04\/image-768x187.png 768w, https:\/\/people.rich365.co.kr\/wp-content\/uploads\/2025\/04\/image.png 1317w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/a><figcaption class=\"wp-element-caption\">\ud074\ub9ad\uc2dc \uad6d\uc138\uccad \uc885\ud569\uc18c\ub4dd\uc138 \uc6d0\ud074\ub9ad \ud658\uae09 \ubc14\ub85c \uc5f0\uacb0<\/figcaption><\/figure>\n<\/div>\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uad6d\uc138\uccad \uc6d0\ud074\ub9ad \ud658\uae09 \uc11c\ube44\uc2a4\uc640 \ubbfc\uac04 \uc5c5\uccb4 \uc11c\ube44\uc2a4(\uc0bc\uca5c\uc0bc)\uc758 \ucc28\uc774\ub294?<\/h2>\n\n\n\n<p>\ud504\ub9ac\ub79c\uc11c \uc138\uae08 \ud658\uae09\uc758 \ub300\ud45c\uaca9\uc778 \uc0bc\uca5c\uc0bc \uc11c\ube44\uc2a4\uc640 2025\ub144\ubd80\ud130 \ucd9c\uc2dc\ub41c \uad6d\uc138\uccad\uc758 \uc6d0\ud074\ub9ad\ud658\uae09 \uc11c\ube44\uc2a4\uc758 \ucc28\uc774\ub294 \ubb34\uc5c7\uc77c\uae4c\uc694? <\/p>\n\n\n\n<p>\uc81c\uc77c \ub300\ud45c\uc801\uc778 \uac83\uc740 \uc544\ubb34\ub798\ub3c4 \ube44\uc6a9\uc774\uc8e0. \uad6d\uc138\uccad \uc11c\ube44\uc2a4\ub294 \uc5bc\ub9c8\ub2e4?! &#8220;\ubb34\ub8cc&#8221;\ub2e4!!<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ube44\uc6a9 \uce21\uba74\uc758 \ucc28\uc774<\/h3>\n\n\n\n<p><strong>\uc218\uc218\ub8cc<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uad6d\uc138\uccad \uc6d0\ud074\ub9ad \uc11c\ube44\uc2a4: <strong><span style=\"text-decoration: underline;\">\uc644\uc804 \ubb34\ub8cc\ub85c \uc81c\uacf5<\/span><\/strong>\ub429\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\ubbfc\uac04 \uc5c5\uccb4 \uc11c\ube44\uc2a4: \ud658\uae09\uae08\uc561\uc758 10~20%\ub97c \uc218\uc218\ub8cc\ub85c \ubd80\uacfc\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<p>\uc608\ub97c \ub4e4\uc5b4, 50\ub9cc \uc6d0\uc758 \ud658\uae09\uae08\uc774 \uc788\uc744 \uacbd\uc6b0 \ubbfc\uac04 \uc5c5\uccb4\ub97c \ud1b5\ud558\uba74 5~10\ub9cc \uc6d0\uc758 \uc218\uc218\ub8cc\ub97c \uc9c0\ubd88\ud574\uc57c \ud558\uc9c0\ub9cc, \uad6d\uc138\uccad \uc11c\ube44\uc2a4\ub97c \uc774\uc6a9\ud558\uba74 \uc804\uc561\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ubcf4\uc548 \ubc0f \uac1c\uc778\uc815\ubcf4 \uce21\uba74<\/h3>\n\n\n\n<p><strong>\uac1c\uc778\uc815\ubcf4 \ubcf4\ud638<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uad6d\uc138\uccad \uc6d0\ud074\ub9ad \uc11c\ube44\uc2a4: \uad6d\uc138\uccad\uc774 \uc774\ubbf8 \ubcf4\uc720\ud55c \uc790\ub8cc\ub9cc \ud65c\uc6a9\ud558\ubbc0\ub85c \ucd94\uac00 \uac1c\uc778\uc815\ubcf4 \uc218\uc9d1\uc774 \ud544\uc694 \uc5c6\uc5b4 \uac1c\uc778\uc815\ubcf4 \uc720\ucd9c \uc704\ud5d8\uc774 \ucd5c\uc18c\ud654\ub429\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\ubbfc\uac04 \uc5c5\uccb4 \uc11c\ube44\uc2a4: \uac1c\uc778\uc815\ubcf4 \uc81c\uacf5\uc774 \ud544\uc694\ud558\uba70, \uc774\ub85c \uc778\ud55c \uc815\ubcf4 \uc720\ucd9c \uc704\ud5d8\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc815\ud655\uc131\uacfc \uc2e0\ub8b0\uc131<\/h3>\n\n\n\n<p><strong>\ub370\uc774\ud130 \ubd84\uc11d \ubc0f \uc815\ud655\ub3c4<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uad6d\uc138\uccad \uc6d0\ud074\ub9ad \uc11c\ube44\uc2a4: \ube45\ub370\uc774\ud130 \ubd84\uc11d\uc744 \ud1b5\ud574 \ub2e4\uc591\ud55c \uacf5\uc81c \uc694\uac74\uc744 \uac80\ud1a0\ud558\uace0, 5\ub144\uac04\uc758 \uc138\ubc95 \uac1c\uc815 \uc0ac\ud56d\uc744 \ubc18\uc601\ud558\uc5ec \uc815\ud655\ud55c \ud658\uae09 \uae08\uc561\uc744 \uacc4\uc0b0\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\ubbfc\uac04 \uc5c5\uccb4 \uc11c\ube44\uc2a4: \uc790\uccb4 \ud50c\ub7ab\ud3fc \uae30\ubc18\uc73c\ub85c \uacc4\uc0b0\ud558\uba70, \ub54c\ub85c\ub294 \uacfc\ub2e4 \ud658\uae09 \uc2e0\uccad\uc73c\ub85c \uac00\uc0b0\uc138\uac00 \ubc1c\uc0dd\ud560 \uc704\ud5d8\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc11c\ube44\uc2a4 \ud3b8\uc758\uc131<\/h3>\n\n\n\n<p><strong>\uc2e0\uccad \uc808\ucc28<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uad6d\uc138\uccad \uc6d0\ud074\ub9ad \uc11c\ube44\uc2a4: \ud648\ud0dd\uc2a4 \uccab \ud654\uba74\uc5d0\uc11c &#8216;\uc6d0\ud074\ub9ad \ud658\uae09 \uc2e0\uace0&#8217; \ubc84\ud2bc\uc744 \ud074\ub9ad\ud558\uace0 \ub85c\uadf8\uc778\ud55c \ud6c4, &#8216;\uc774\ub300\ub85c \uc2e0\uace0\ud558\uae30&#8217; \ubc84\ud2bc\ub9cc \ub204\ub974\uba74 \ud658\uae09 \uc2e0\uccad\uc774 \uc644\ub8cc\ub429\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\ubbfc\uac04 \uc5c5\uccb4 \uc11c\ube44\uc2a4: \ubcc4\ub3c4\uc758 \uc11c\ub958 \uc81c\ucd9c\uc774 \ud544\uc694\ud55c \uacbd\uc6b0\uac00 \uc788\uc5b4 \uc808\ucc28\uac00 \ub354 \ubcf5\uc7a1\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>\ud658\uae09 \ucc98\ub9ac \uae30\uac04<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uad6d\uc138\uccad \uc6d0\ud074\ub9ad \uc11c\ube44\uc2a4: \uc548\ub0b4\ub41c \ud658\uae09 \uae08\uc561\uc744 \uc218\uc815 \uc5c6\uc774 \uadf8\ub300\ub85c \uc2e0\uace0\ud55c \uacbd\uc6b0 \uc57d 1\uac1c\uc6d4 \uc774\ub0b4\uc5d0 \ud658\uae09\uae08\uc774 \uc9c0\uae09\ub429\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\ubbfc\uac04 \uc5c5\uccb4 \uc11c\ube44\uc2a4: \ucc98\ub9ac \uae30\uac04\uc774 \ub354 \uae38\uc5b4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<p>\uad6d\uc138\uccad\uc758 \uc6d0\ud074\ub9ad \uc11c\ube44\uc2a4\ub294 \ud2b9\ud788 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