{"id":9345,"date":"2026-10-27T09:00:40","date_gmt":"2026-10-27T00:00:40","guid":{"rendered":"https:\/\/cms.eroum.co.kr\/?p=9345"},"modified":"2026-10-20T14:25:43","modified_gmt":"2026-10-20T05:25:43","slug":"65%ec%84%b8-%ec%9d%b4%ec%83%81-%ec%9e%84%ed%94%8c%eb%9e%80%ed%8a%b8","status":"publish","type":"post","link":"https:\/\/cms.eroum.co.kr\/?p=9345","title":{"rendered":"65\uc138 \uc774\uc0c1 \uc784\ud50c\ub780\ud2b8\u00b7\ud2c0\ub2c8 \uac74\uac15\ubcf4\ud5d8\uff5c\ubcf8\uc778\ubd80\ub2f4 30% \uc9c0\uc6d0 \uae30\uc900 \ucd1d\uc815\ub9ac"},"content":{"rendered":"<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\ub098\uc774\uac00 \ub4e4\uc218\ub85d \uce58\uc544 \uac74\uac15\uc740 \ub2e8\uc21c\ud788 \u2018\uc774\uac00 \uc2dc\ub9ac\ub2e4\u2019\ub294 \ubd88\ud3b8\ud568\uc744 \ub118\uc5b4 <strong>\uc804\ubc18\uc801\uc778 \uc0b6\uc758 \uc9c8\uacfc \uc5f0\uacb0<\/strong>\ub418\ub294\ub370\uc694.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\uc74c\uc2dd\uc744 \uc81c\ub300\ub85c \uc539\uc9c0 \ubabb\ud558\uba74 \uc2dd\uc0ac\uac00 \ubd88\ud3b8\ud574\uc9c0\uace0 \uc601\uc591 \uc12d\ucde8\uc5d0\ub3c4 \uc601\ud5a5\uc744 \uc904 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub610 \uce58\uc544\uac00 \ub9ce\uc774 \ube60\uc9c0\uba74 \ubc1c\uc74c\uc774 \ubd80\uc815\ud655\ud574\uc9c0\uac70\ub098 \ub300\ud654\ud560 \ub54c \ubd88\ud3b8\ud568\uc744 \ub290\ub07c\uae30\ub3c4 \ud558\uc8e0.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\ud558\uc9c0\ub9cc \uc784\ud50c\ub780\ud2b8\ub098 \ud2c0\ub2c8\ub294 <strong>\ube44\uc6a9 \ubd80\ub2f4\uc774 \ud070 \uce58\ub8cc<\/strong>\ub77c\uc11c \ud544\uc694\ud55c\ub370\ub3c4 \ubbf8\ub8e8\uc2dc\ub294 \uc5b4\ub974\uc2e0\ub4e4\uc774 \ub9ce\uc2b5\ub2c8\ub2e4.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/cms.eroum.co.kr\/wp-content\/uploads\/2026\/10\/65\uc138-\uc774\uc0c1-\uce58\uacfc-\uc9c4\ub8cc-\ud604\ud669.jpg\"><img decoding=\"async\" class=\"lazyload alignnone wp-image-9352\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27581%27%20height%3D%27396%27%20viewBox%3D%270%200%20581%20396%27%3E%3Crect%20width%3D%27581%27%20height%3D%27396%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-orig-src=\"https:\/\/cms.eroum.co.kr\/wp-content\/uploads\/2026\/10\/65\uc138-\uc774\uc0c1-\uce58\uacfc-\uc9c4\ub8cc-\ud604\ud669.jpg\" alt=\"65\uc138 \uc774\uc0c1 \uc5b4\ub974\uc2e0\uc758 \ud2c0\ub2c8\uc640 \uc784\ud50c\ub780\ud2b8 \ub4f1 \uce58\uacfc \uc9c4\ub8cc \ud604\ud669\" width=\"581\" height=\"396\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\ub2e4\ud589\ud788 <span style=\"color: #3777bc;\"><strong>65\uc138 \uc774\uc0c1 \uc784\ud50c\ub780\ud2b8\uc640 \ud2c0\ub2c8\uc5d0\ub294 \uac74\uac15\ubcf4\ud5d8\uc774 \uc801\uc6a9<\/strong><\/span>\ub418\uace0 \uc788\ub294\ub370\uc694.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\uc77c\ubc18 \uac74\uac15\ubcf4\ud5d8 \uac00\uc785\uc790\ub294 \uae09\uc5ec\ube44\uc6a9\uc758 <strong>30%\ub9cc \ubcf8\uc778\uc774 \ubd80\ub2f4<\/strong>\ud558\uba70, \uc784\ud50c\ub780\ud2b8\ub294 \ud3c9\uc0dd 2\uac1c\uae4c\uc9c0, \ud2c0\ub2c8\ub294 \uc0c1\u00b7\ud558\uc545 \uac01\uac01 7\ub144\uc5d0 1\ud68c \uac74\uac15\ubcf4\ud5d8 \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\uc624\ub298\uc740 65\uc138 \uc774\uc0c1 \uc5b4\ub974\uc2e0\uc774 \ubc1b\uc744 \uc218 \uc788\ub294 <strong>\uc784\ud50c\ub780\ud2b8\u00b7\ud2c0\ub2c8 \uac74\uac15\ubcf4\ud5d8 \ud61c\ud0dd\uacfc \ubcf8\uc778\ubd80\ub2f4\uae08, \uc774\uc6a9 \uc804 \uc8fc\uc758\uc0ac\ud56d<\/strong>\uc744 \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/span><\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n<h2><\/h2>\n<blockquote><p><span style=\"font-size: 18pt;\"><strong><span style=\"font-family: arial, helvetica, sans-serif;\">\uc784\ud50c\ub780\ud2b8, \uac74\uac15\ubcf4\ud5d8\uc73c\ub85c \uc5bc\ub9c8\ub098 \uc9c0\uc6d0\ubc1b\uc744 \uc218 \uc788\ub098\uc694?<\/span><\/strong><\/span><\/p><\/blockquote>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\uc784\ud50c\ub780\ud2b8\ub294 \ube60\uc9c4 \uce58\uc544 \uc790\ub9ac\uc5d0 \uc778\uacf5\uce58\uadfc\uc744 \uc2ec\uace0 \uadf8 \uc704\uc5d0 \uc778\uacf5\uce58\uc544\ub97c \uc5f0\uacb0\ud558\ub294 \uce58\ub8cc\uc785\ub2c8\ub2e4.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\ud2c0\ub2c8\ucc98\ub7fc \ube7c\uace0 \ub07c\uc9c0 \uc54a\uc544\ub3c4 \ub418\uace0 \uc790\uc5f0\uce58\uc544\uc640 \ube44\uc2b7\ud558\uac8c \uc0ac\uc6a9\ud560 \uc218 \uc788\ub2e4\ub294 \uc7a5\uc810\uc774 \uc788\uc9c0\ub9cc, \ube44\uc6a9 \ubd80\ub2f4 \ub54c\ubb38\uc5d0 \uce58\ub8cc\ub97c \uace0\ubbfc\ud558\uc2dc\ub294 \ubd84\ub4e4\ub3c4 \ub9ce\uc740\ub370\uc694.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\ud604\uc7ac\ub294 <span style=\"color: #3777bc;\"><strong>\ub9cc 65\uc138 \uc774\uc0c1 \uac74\uac15\ubcf4\ud5d8 \uac00\uc785\uc790 \ub610\ub294 \ud53c\ubd80\uc591\uc790 \uac00\uc6b4\ub370 \ubd80\ubd84 \ubb34\uce58\uc545 \ud658\uc790<\/strong><\/span>\ub77c\uba74 \uc784\ud50c\ub780\ud2b8 \uac74\uac15\ubcf4\ud5d8\uc744 \uc801\uc6a9\ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/span><\/p>\n<p>&nbsp;<\/p>\n<div>\n<div>\n<div>\n<table style=\"width: 800px; border-style: solid; border-color: 1;\" border=\"1\">\n<thead>\n<tr>\n<td style=\"border-style: solid; border-color: #000000; background-color: #eeeeee;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\ud56d\ubaa9<\/span><\/td>\n<td style=\"border-style: solid; border-color: #000000; background-color: #eeeeee;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\uac74\uac15\ubcf4\ud5d8 \uc801\uc6a9 \uae30\uc900<\/span><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"border-style: solid; border-color: #000000;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\ub300\uc0c1<\/span><\/td>\n<td style=\"border-style: solid; border-color: #000000;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\ub9cc 65\uc138 \uc774\uc0c1 \uac74\uac15\ubcf4\ud5d8 \uac00\uc785\uc790\u00b7\ud53c\ubd80\uc591\uc790<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"border-style: solid; border-color: #000000;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\uc870\uac74<\/span><\/td>\n<td style=\"border-style: solid; border-color: #000000;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\uce58\uc544\uac00 \uc77c\ubd80 \ub0a8\uc544 \uc788\ub294 \ubd80\ubd84 \ubb34\uce58\uc545<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"border-style: solid; border-color: #000000;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\uc801\uc6a9 \uac1c\uc218<\/span><\/td>\n<td style=\"border-style: solid; border-color: #000000;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">1\uc778\ub2f9 \ud3c9\uc0dd 2\uac1c<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"border-style: solid; border-color: #000000;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\uc801\uc6a9 \ubd80\uc704<\/span><\/td>\n<td style=\"border-style: solid; border-color: #000000;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\uc0c1\u00b7\ud558\uc545 \uad6c\ubd84 \uc5c6\uc774 \uc801\uc6a9<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"border-style: solid; border-color: #000000;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\ubcf8\uc778\ubd80\ub2f4\ub960<\/span><\/td>\n<td style=\"border-style: solid; border-color: #000000;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\uc77c\ubc18 \uac74\uac15\ubcf4\ud5d8 \uac00\uc785\uc790 30%<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<\/div>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\uc784\ud50c\ub780\ud2b8\ub294 <strong>\ud3c9\uc0dd \ucd5c\ub300 2\uac1c<\/strong>\uae4c\uc9c0 \uac74\uac15\ubcf4\ud5d8\uc774 \uc801\uc6a9\ub429\ub2c8\ub2e4. \ud604\uc7ac \uae09\uc5ec \uae30\uc900\uc5d0\uc11c\ub294 PFM \ud06c\ub77c\uc6b4\ubfd0 \uc544\ub2c8\ub77c <strong>\uc9c0\ub974\ucf54\ub2c8\uc544 \ud06c\ub77c\uc6b4\uc744 \uc774\uc6a9\ud55c \ubcf4\ucca0\uc218\ubcf5\ub3c4 \uae09\uc5ec \ub300\uc0c1<\/strong>\uc5d0 \ud3ec\ud568\ub429\ub2c8\ub2e4.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\uc77c\ubc18 \uac74\uac15\ubcf4\ud5d8 \uac00\uc785\uc790\ub294 \uae09\uc5ec\ube44\uc6a9 \ucd1d\uc561\uc758 30%\ub97c \ubd80\ub2f4\ud558\uace0, \uc758\ub8cc\uae09\uc5ec \uc218\uae09\uad8c\uc790\ub294 1\uc885 10%, 2\uc885 20%\uc758 \ubcf8\uc778\ubd80\ub2f4\ub960\uc774 \uc801\uc6a9\ub429\ub2c8\ub2e4.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/cms.eroum.co.kr\/wp-content\/uploads\/2026\/10\/65\uc138-\uc774\uc0c1-\uc784\ud50c\ub780\ud2b8-\uac74\uac15\ubcf4\ud5d8.jpg\"><img decoding=\"async\" class=\"lazyload alignnone wp-image-9350\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27581%27%20height%3D%27387%27%20viewBox%3D%270%200%20581%20387%27%3E%3Crect%20width%3D%27581%27%20height%3D%27387%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-orig-src=\"https:\/\/cms.eroum.co.kr\/wp-content\/uploads\/2026\/10\/65\uc138-\uc774\uc0c1-\uc784\ud50c\ub780\ud2b8-\uac74\uac15\ubcf4\ud5d8.jpg\" alt=\"65\uc138 \uc774\uc0c1 \uc784\ud50c\ub780\ud2b8 \uac74\uac15\ubcf4\ud5d8 \uc801\uc6a9\uacfc \uce58\ub8cc \ubc29\ubc95\uc744 \uc124\uba85\ud558\ub294 \ubaa8\uc2b5\" width=\"581\" height=\"387\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><span style=\"color: #ff7700;\"><strong><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\uc784\ud50c\ub780\ud2b8 \ubc1b\uae30 \uc804, \uc774 \uc810\uc740 \uaf2d \uc54c\uc544\ub450\uc138\uc694!<\/span><\/strong><\/span><\/li>\n<\/ul>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\"><strong>\u2460 \uce58\uc544\uac00 \ud558\ub098\ub3c4 \uc5c6\ub294 \uc644\uc804 \ubb34\uce58\uc545\uc774\ub77c\uba74<\/strong><\/span><br \/>\n<span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\uac74\uac15\ubcf4\ud5d8 \uc784\ud50c\ub780\ud2b8 \uae09\uc5ec \ub300\uc0c1\uc5d0\uc11c\ub294 \uc81c\uc678\ub429\ub2c8\ub2e4. \uc774 \uacbd\uc6b0\uc5d0\ub294 \uc644\uc804\ud2c0\ub2c8 \uac74\uac15\ubcf4\ud5d8 \uc801\uc6a9 \uc5ec\ubd80\ub97c \ud655\uc778\ud574 \ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\"><strong>\u2461 \ubf08\uc774\uc2dd\uc774 \ud544\uc694\ud55c \uacbd\uc6b0<\/strong><\/span><br \/>\n<span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\uc784\ud50c\ub780\ud2b8\ub97c \uc704\ud55c \uace8\uc774\uc2dd \ub4f1 \ubd80\uac00\uc218\uc220\uc740 \ubcc4\ub3c4\uc758 \ube44\uae09\uc5ec \ube44\uc6a9\uc774 \ubc1c\uc0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\u00a0<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\"><strong>\u2462 \uce58\ub8cc \ub3c4\uc911 \uce58\uacfc\ub97c \uc62e\uae38 \ub54c\ub3c4 \uc8fc\uc758\ud558\uc138\uc694.<\/strong><\/span><br \/>\n<span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\uc784\ud50c\ub780\ud2b8\ub294 \ub2e8\uacc4\ubcc4\ub85c \uc9c4\ud589\ub418\ub294 \uce58\ub8cc\uc774\uae30 \ub54c\ubb38\uc5d0 \uce58\ub8cc\ub97c \uc2dc\uc791\ud55c \ub4a4 \ub2e4\ub978 \uce58\uacfc\ub85c \uc62e\uae30\uba74 \uae09\uc5ec \uc801\uc6a9\uc5d0 \uc81c\ud55c\uc774 \uc0dd\uae38 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ucc98\uc74c \ub4f1\ub85d\ud560 \ub54c \ucda9\ubd84\ud788 \uc0c1\ub2f4\ud55c \ub4a4 \uce58\uacfc\ub97c \uc120\ud0dd\ud558\ub294 \uac83\uc774 \uc88b\uc544\uc694.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<blockquote><p><strong><span style=\"font-family: arial, helvetica, sans-serif; font-size: 18pt;\">\ud2c0\ub2c8\ub3c4 \uac74\uac15\ubcf4\ud5d8 \uc801\uc6a9\uc744 \ubc1b\uc744 \uc218 \uc788\uc5b4\uc694<\/span><\/strong><\/p><\/blockquote>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\uc774\uac00 \ub9ce\uc774 \ube60\uc84c\uac70\ub098 \uc804\uccb4 \uce58\uc544\uac00 \uc5c6\ub294 \uc5b4\ub974\uc2e0\uc774\ub77c\uba74 \ud2c0\ub2c8\ub97c \uc774\uc6a9\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc740\ub370\uc694.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\"><strong>\ub9cc 65\uc138 \uc774\uc0c1 \uac74\uac15\ubcf4\ud5d8 \uac00\uc785\uc790 \ub610\ub294 \ud53c\ubd80\uc591\uc790\ub77c\uba74 <span style=\"color: #3777bc;\">\uc644\uc804\ud2c0\ub2c8\uc640 \ubd80\ubd84\ud2c0\ub2c8\uc5d0\ub3c4 \uac74\uac15\ubcf4\ud5d8\uc744 \uc801\uc6a9<\/span><\/strong>\ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/span><\/p>\n<p>&nbsp;<\/p>\n<div>\n<div>\n<div>\n<table style=\"width: 800px; border-style: solid; border-color: #000000;\" border=\"1\">\n<thead>\n<tr>\n<td style=\"border-style: solid; border-color: #000000; background-color: #eeeeee;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\ud56d\ubaa9<\/span><\/td>\n<td style=\"border-style: solid; border-color: #000000; background-color: #eeeeee;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\uac74\uac15\ubcf4\ud5d8 \uc801\uc6a9 \uae30\uc900<\/span><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"border-style: solid; border-color: #000000;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\uc644\uc804\ud2c0\ub2c8<\/span><\/td>\n<td style=\"border-style: solid; border-color: #000000;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\uc0c1\uc545 \ub610\ub294 \ud558\uc545\uc5d0 \uce58\uc544\uac00 \uc804\ud600 \uc5c6\ub294 \uacbd\uc6b0<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"border-style: solid; border-color: #000000;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\ubd80\ubd84\ud2c0\ub2c8<\/span><\/td>\n<td style=\"border-style: solid; border-color: #000000;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\uc77c\ubd80 \uce58\uc544\uac00 \ub0a8\uc544 \ubd80\ubd84\ud2c0\ub2c8 \uc81c\uc791\uc774 \uac00\ub2a5\ud55c \uacbd\uc6b0<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"border-style: solid; border-color: #000000;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\uc801\uc6a9 \uc8fc\uae30<\/span><\/td>\n<td style=\"border-style: solid; border-color: #000000;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\uc0c1\uc545\u00b7\ud558\uc545 \uac01\uac01 7\ub144\uc5d0 1\ud68c<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"border-style: solid; border-color: #000000;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\ubcf8\uc778\ubd80\ub2f4\ub960<\/span><\/td>\n<td style=\"border-style: solid; border-color: #000000;\"><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\uc77c\ubc18 \uac74\uac15\ubcf4\ud5d8 \uac00\uc785\uc790 30%<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<\/div>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/cms.eroum.co.kr\/wp-content\/uploads\/2026\/10\/\ub178\uc778-\ud2c0\ub2c8-\uac74\uac15\ubcf4\ud5d8-\uad00\ub9ac-1.jpg\"><img decoding=\"async\" class=\"lazyload alignnone wp-image-9357\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27580%27%20height%3D%27435%27%20viewBox%3D%270%200%20580%20435%27%3E%3Crect%20width%3D%27580%27%20height%3D%27435%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-orig-src=\"https:\/\/cms.eroum.co.kr\/wp-content\/uploads\/2026\/10\/\ub178\uc778-\ud2c0\ub2c8-\uac74\uac15\ubcf4\ud5d8-\uad00\ub9ac-1.jpg\" alt=\"65\uc138 \uc774\uc0c1 \uc5b4\ub974\uc2e0\uc758 \ud2c0\ub2c8 \uac74\uac15\ubcf4\ud5d8 \uc801\uc6a9\uacfc \ud2c0\ub2c8 \uad00\ub9ac \uc548\ub0b4\" width=\"580\" height=\"435\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\uae09\uc5ec \ub300\uc0c1\uc774 \ub418\ub294 \uc644\uc804\ud2c0\ub2c8\ub294 <strong>\ub808\uc9c4\uc0c1 \uc644\uc804\ud2c0\ub2c8\uc640 \uae08\uc18d\uc0c1 \uc644\uc804\ud2c0\ub2c8<\/strong>, \ubd80\ubd84\ud2c0\ub2c8\ub294 <strong>\ud074\ub77c\uc2a4\ud504(\uace0\ub9ac) \uc720\uc9c0\ud615 \uae08\uc18d\uc0c1 \ubd80\ubd84\ud2c0\ub2c8<\/strong>\uc785\ub2c8\ub2e4.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\uae08\uc774\ub098 \ud2f0\ud0c0\ub284 \ub4f1\uc744 \uc0ac\uc6a9\ud55c \ud2b9\uc218 \ud2c0\ub2c8\ub098 \uc5b4\ud0dc\uce58\uba3c\ud2b8 \ubc29\uc2dd\uc758 \ud2b9\uc218 \ubd80\ubd84\ud2c0\ub2c8 \ub4f1\uc740 \uae09\uc5ec \ub300\uc0c1\uc5d0\uc11c \uc81c\uc678\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\u00a0<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\uc77c\ubc18 \uac74\uac15\ubcf4\ud5d8 \uac00\uc785\uc790\uc758 \ubcf8\uc778\ubd80\ub2f4\ub960\uc740 30%\uc774\uba70, \uc758\ub8cc\uae09\uc5ec \uc218\uae09\uad8c\uc790\uc758 \uacbd\uc6b0 1\uc885 5%, 2\uc885 15%\uac00 \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\ub530\ub77c\uc11c \ub2e8\uc21c\ud788 \u2018\uae30\ucd08\uc0dd\ud65c\uc218\uae09\uc790\ub77c\uba74 \ubaa8\ub450 \uac19\uc740 \uae08\uc561\u2019\uc774\ub77c\uace0 \ubcf4\uae30\ubcf4\ub2e4 \ubcf8\uc778\uc758 \uc758\ub8cc\uae09\uc5ec \uc790\uaca9\uc744 \ud655\uc778\ud558\ub294 \uac83\uc774 \uc815\ud655\ud569\ub2c8\ub2e4.\u00a0<\/span><\/p>\n<h2><\/h2>\n<blockquote><p><span style=\"font-size: 18pt;\"><strong><span style=\"font-family: arial, helvetica, sans-serif;\">\ud2c0\ub2c8\ub294 7\ub144\uc5d0 \ud55c \ubc88\ub9cc \uac00\ub2a5\ud55c\uac00\uc694?<\/span><\/strong><\/span><\/p><\/blockquote>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\uac74\uac15\ubcf4\ud5d8 \ud2c0\ub2c8\ub294 \uae30\ubcf8\uc801\uc73c\ub85c <span style=\"color: #3777bc;\"><strong>\uc0c1\uc545\uacfc \ud558\uc545 \uac01\uac01 7\ub144\uc5d0 1\ud68c<\/strong><\/span> \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\ub2e4\ub9cc \uad6c\uac15 \uc0c1\ud0dc\uac00 \uc2ec\uac01\ud558\uac8c \ubcc0\ud574 \uae30\uc874 \ud2c0\ub2c8\ub97c \uc0ac\uc6a9\ud560 \uc218 \uc5c6\uace0 \uc0c8\ub85c\uc6b4 \ud2c0\ub2c8 \uc81c\uc791\uc774 \ubc18\ub4dc\uc2dc \ud544\uc694\ud558\ub2e4\ub294 \uc758\ud559\uc801 \ud310\ub2e8\uc774 \uc788\ub294 \uacbd\uc6b0\uc5d0\ub294 <strong>7\ub144 \uc774\ub0b4\ub77c\ub3c4 \ucd94\uac00 1\ud68c \uc7ac\uc81c\uc791<\/strong>\uc774 \uc778\uc815\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\u00a0<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\ub610 \ud2c0\ub2c8 \uc81c\uc791\uc740 \uc5ec\ub7ec \uc9c4\ub8cc \ub2e8\uacc4\uc5d0 \uac78\uccd0 \uc9c4\ud589\ub418\uae30 \ub54c\ubb38\uc5d0 \uc81c\uc791 \ub3c4\uc911 \ub2e4\ub978 \uce58\uacfc\ub85c \uc62e\uae30\uba74 \uae09\uc5ec \uc801\uc6a9\uc5d0 \uc81c\ud55c\uc774 \uc0dd\uae38 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\ud2c0\ub2c8\ub97c \ucc98\uc74c \ub9cc\ub4e4 \ub54c\ub294 \uc55e\uc73c\ub85c \uacc4\uc18d \uc9c4\ub8cc\ubc1b\uc744 \uc218 \uc788\ub294 \uce58\uacfc\uc778\uc9c0\ub3c4 \ud568\uaed8 \uace0\ub824\ud574 \ubcf4\uc138\uc694.<\/span><\/p>\n<p>&nbsp;<\/p>\n<blockquote><p><span style=\"font-size: 18pt;\"><strong><span style=\"font-family: arial, helvetica, sans-serif;\">\ud2c0\ub2c8\uac00 \uace0\uc7a5 \ub098\uba74 \uc218\ub9ac\ub3c4 \uac74\uac15\ubcf4\ud5d8\uc774 \ub420\uae4c\uc694?<\/span><\/strong><\/span><\/p><\/blockquote>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\ud2c0\ub2c8\ub294 \ud55c \ubc88 \ub9cc\ub4e4\uba74 \ub05d\ub098\ub294 \uac83\uc774 \uc544\ub2c8\ub77c \uc9c0\uc18d\uc801\uc778 \uad00\ub9ac\uac00 \ud544\uc694\ud569\ub2c8\ub2e4.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\uc2dc\uac04\uc774 \uc9c0\ub098\uba74\uc11c \uc787\ubab8 \ubaa8\uc591\uc774 \ubcc0\ud558\uac70\ub098 \ud2c0\ub2c8\uac00 \ud5d0\uac70\uc6cc\uc9c0\uace0, \uc778\uacf5\uce58\ub098 \uace0\ub9ac\uac00 \uc190\uc0c1\ub418\ub294 \uacbd\uc6b0\ub3c4 \uc788\ub294\ub370\uc694.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\uc774\ub7f0<span style=\"color: #3777bc;\"> <strong>\ud2c0\ub2c8 \uc720\uc9c0\uad00\ub9ac\uc5d0\ub3c4 \uac74\uac15\ubcf4\ud5d8\uc774 \uc801\uc6a9<\/strong><\/span>\ub429\ub2c8\ub2e4.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/cms.eroum.co.kr\/wp-content\/uploads\/2026\/10\/65\uc138-\uc774\uc0c1-\uce58\uacfc-\uac74\uac15\ubcf4\ud5d8-1.jpg\"><img decoding=\"async\" class=\"lazyload alignnone wp-image-9355\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27579%27%20height%3D%27386%27%20viewBox%3D%270%200%20579%20386%27%3E%3Crect%20width%3D%27579%27%20height%3D%27386%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-orig-src=\"https:\/\/cms.eroum.co.kr\/wp-content\/uploads\/2026\/10\/65\uc138-\uc774\uc0c1-\uce58\uacfc-\uac74\uac15\ubcf4\ud5d8-1.jpg\" alt=\"65\uc138 \uc774\uc0c1 \uc5b4\ub974\uc2e0\uc774 \uce58\uacfc\uc5d0\uc11c \uc784\ud50c\ub780\ud2b8\uc640 \ud2c0\ub2c8 \uc0c1\ub2f4\uc744 \ubc1b\ub294 \ubaa8\uc2b5\" width=\"579\" height=\"386\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\ub300\ud45c\uc801\uc73c\ub85c \ud2c0\ub2c8 \uc548\ucabd\uc744 \ubcf4\uc644\ud558\ub294 \ucca8\uc0c1\u00b7\uac1c\uc0c1, \uc778\uacf5\uce58 \uc218\ub9ac, \uc758\uce58\uc0c1 \uc218\ub9ac, \uad50\ud569 \uc870\uc815, \ubd80\ubd84\ud2c0\ub2c8 \uace0\ub9ac \uc218\ub9ac \ub4f1\uc774 \ub300\uc0c1\uc785\ub2c8\ub2e4.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\ud56d\ubaa9\ub9c8\ub2e4 \uc5f0\uac04 \uae09\uc5ec \uac00\ub2a5 \ud69f\uc218\uac00 \ub2e4\ub974\uba70 <strong>\uc5f0 1~4\ud68c \ubc94\uc704\uc5d0\uc11c \uc801\uc6a9<\/strong>\ub429\ub2c8\ub2e4.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\uc608\ub97c \ub4e4\uc5b4 \ub2e8\uc21c \uad50\ud569\uc870\uc815\uc740 \uc5f0 4\ud68c, \uc778\uacf5\uce58 \uc218\ub9ac\uc640 \uc758\uce58\uc0c1 \uc218\ub9ac\ub294 \uac01\uac01 \uc5f0 2\ud68c\uae4c\uc9c0 \uae09\uc5ec\uac00 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\uc77c\ubc18 \uac74\uac15\ubcf4\ud5d8 \uac00\uc785\uc790\ub294 \uc720\uc9c0\uad00\ub9ac \ube44\uc6a9 \uc5ed\uc2dc <strong>\uae09\uc5ec\ube44\uc6a9\uc758 30%\ub97c \ubcf8\uc778\uc774 \ubd80\ub2f4<\/strong>\ud569\ub2c8\ub2e4.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\ub610 \ud2c0\ub2c8\ub97c \ucc98\uc74c \uc7a5\ucc29\ud55c \ud6c4 <strong>3\uac1c\uc6d4 \uc774\ub0b4\uc5d0\ub294 \ucd5c\ub300 6\ud68c\uae4c\uc9c0 \uc2dc\uc220\ub8cc \uc5c6\uc774 \uc9c4\ucc30\ub8cc\ub9cc \ubd80\ub2f4\ud558\ub294 \uc720\uc9c0\uad00\ub9ac<\/strong>\ub97c \ubc1b\uc744 \uc218 \uc788\uc73c\ub2c8 \ubd88\ud3b8\ud568\uc774 \uc788\ub2e4\uba74 \ucc38\uc9c0 \ub9d0\uace0 \uc81c\uc791\ud55c \uce58\uacfc\uc5d0 \ubb38\uc758\ud574 \ubcf4\uc138\uc694.<\/span><\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n<blockquote><p><span style=\"font-size: 18pt;\"><strong><span style=\"font-family: arial, helvetica, sans-serif;\">\uc784\ud50c\ub780\ud2b8\u00b7\ud2c0\ub2c8 \uac74\uac15\ubcf4\ud5d8, \uc774\uac83\ub9cc\uc740 \uc54c\uc544\ub450\uc138\uc694<\/span><\/strong><\/span><\/p><\/blockquote>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\uce58\uacfc \ube44\uc6a9\uc774 \ubd80\ub2f4\ub3fc \uce58\ub8cc\ub97c \ubbf8\ub8e8\uace0 \uc788\uc5c8\ub2e4\uba74 \uba3c\uc800 <strong><span style=\"color: #3777bc;\">\ubcf8\uc778\uc774 \uac74\uac15\ubcf4\ud5d8 \uae09\uc5ec \ub300\uc0c1\uc5d0 \ud574\ub2f9<\/span>\ud558\ub294\uc9c0 \ud655\uc778<\/strong>\ud574 \ubcf4\uc138\uc694.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\ub9cc 65\uc138 \uc774\uc0c1 \uc77c\ubc18 \uac74\uac15\ubcf4\ud5d8 \uac00\uc785\uc790\ub77c\uba74 \uc784\ud50c\ub780\ud2b8\uc640 \ud2c0\ub2c8\uc758 \uae09\uc5ec\ube44\uc6a9 \uc911 \ubcf8\uc778\ubd80\ub2f4\ub960\uc740 30%\uc785\ub2c8\ub2e4.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\ub2e4\ub9cc \uc784\ud50c\ub780\ud2b8\ub294 \ud3c9\uc0dd 2\uac1c\uae4c\uc9c0\uc774\uace0 \uc644\uc804 \ubb34\uce58\uc545\uc740 \uae09\uc5ec \ub300\uc0c1\uc5d0\uc11c \uc81c\uc678\ub418\uba70, \ud2c0\ub2c8\ub294 \uc0c1\u00b7\ud558\uc545 \uac01\uac01 7\ub144\uc5d0 1\ud68c\ub77c\ub294 \uae30\uc900\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/cms.eroum.co.kr\/wp-content\/uploads\/2026\/10\/\uc784\ud50c\ub780\ud2b8-\ud2c0\ub2c8-\uac74\uac15\ubcf4\ud5d8-\uc9c8\ubb38.jpg\"><img decoding=\"async\" class=\"lazyload alignnone wp-image-9353\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27581%27%20height%3D%27659%27%20viewBox%3D%270%200%20581%20659%27%3E%3Crect%20width%3D%27581%27%20height%3D%27659%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-orig-src=\"https:\/\/cms.eroum.co.kr\/wp-content\/uploads\/2026\/10\/\uc784\ud50c\ub780\ud2b8-\ud2c0\ub2c8-\uac74\uac15\ubcf4\ud5d8-\uc9c8\ubb38.jpg\" alt=\"65\uc138 \uc774\uc0c1 \uc784\ud50c\ub780\ud2b8\uc640 \ud2c0\ub2c8 \uac74\uac15\ubcf4\ud5d8 \uc801\uc6a9\uc5d0 \uad00\ud55c \uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38\" width=\"581\" height=\"659\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\ub610 \ubf08\uc774\uc2dd\uc774\ub098 \ud2b9\uc218 \uc7ac\ub8cc\ucc98\ub7fc \uac74\uac15\ubcf4\ud5d8\uc774 \uc801\uc6a9\ub418\uc9c0 \uc54a\ub294 \uce58\ub8cc\uac00 \ud568\uaed8 \ud544\uc694\ud55c \uacbd\uc6b0\uc5d0\ub294 \ucd94\uac00 \ube44\uc6a9\uc774 \ubc1c\uc0dd\ud560 \uc218 \uc788\uc5b4\uc694.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\ub530\ub77c\uc11c \uce58\uacfc\ub97c \ubc29\ubb38\ud588\uc744 \ub54c <strong>\uac74\uac15\ubcf4\ud5d8 \uc801\uc6a9 \uc5ec\ubd80\uc640 \uc608\uc0c1 \ubcf8\uc778\ubd80\ub2f4\uae08, \ube44\uae09\uc5ec \ud56d\ubaa9\uc774 \uc788\ub294\uc9c0<\/strong>\uae4c\uc9c0 \ud568\uaed8 \ud655\uc778\ud55c \ub4a4 \uce58\ub8cc\ub97c \uacb0\uc815\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/span><\/p>\n<p><span style=\"font-family: arial, helvetica, sans-serif; font-size: 14pt;\">\ube44\uc6a9 \ub54c\ubb38\uc5d0 \ubd88\ud3b8\ud55c \uce58\uc544\ub97c \uc624\ub7ab\ub3d9\uc548 \ucc38\uace0 \uacc4\uc168\ub2e4\uba74 <strong><span style=\"color: #ff7700;\">\uac00\uae4c\uc6b4 \uce58\uacfc\uc5d0\uc11c \uac74\uac15\ubcf4\ud5d8 \uc801\uc6a9 \uc5ec\ubd80<\/span><\/strong>\ubd80\ud130 \uc0c1\ub2f4\ubc1b\uc544 \ubcf4\uc138\uc694!<\/span><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ub098\uc774\uac00 \ub4e4\uc218\ub85d \uce58\uc544 \uac74\uac15\uc740 \ub2e8\uc21c\ud788 \u2018\uc774\uac00 \uc2dc\ub9ac\ub2e4\u2019\ub294 \ubd88\ud3b8\ud568\uc744 \ub118\uc5b4 \uc804\ubc18\uc801\uc778 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[326],"tags":[1497,1503,1508,1506,1499,1507,1504,1505,887,1498,1501,1509,1510,1500,1502,1071],"class_list":["post-9345","post","type-post","status-publish","format-standard","hentry","category-senior-health","tag-65--","tag-1508","tag-1506","tag-1499","tag-1507","tag-1504","tag-1505","tag-887","tag-1498","tag-1501","tag-1509","tag-1510","tag-1500","tag-1502","tag-1071"],"_links":{"self":[{"href":"https:\/\/cms.eroum.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/9345","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cms.eroum.co.kr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cms.eroum.co.kr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cms.eroum.co.kr\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/cms.eroum.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=9345"}],"version-history":[{"count":5,"href":"https:\/\/cms.eroum.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/9345\/revisions"}],"predecessor-version":[{"id":9358,"href":"https:\/\/cms.eroum.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/9345\/revisions\/9358"}],"wp:attachment":[{"href":"https:\/\/cms.eroum.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=9345"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cms.eroum.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=9345"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cms.eroum.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=9345"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}