{"id":9157,"date":"2021-07-25T10:26:31","date_gmt":"2021-07-25T01:26:31","guid":{"rendered":"https:\/\/www.stechstar.com\/user\/wordpress\/?p=9157"},"modified":"2021-07-25T10:26:31","modified_gmt":"2021-07-25T01:26:31","slug":"%e6%99%82%e4%ba%8b%ec%8b%9c%ec%82%ac-%eb%88%84%ea%b0%80-%eb%aa%a8%eb%9f%b4-%ed%97%a4%ec%a0%80%eb%93%9c%eb%a5%bc-%eb%8f%84%eb%8d%95%ec%a0%81-%ed%95%b4%ec%9d%b4","status":"publish","type":"post","link":"https:\/\/www.stechstar.com\/user\/wordpress\/%e6%99%82%e4%ba%8b%ec%8b%9c%ec%82%ac-%eb%88%84%ea%b0%80-%eb%aa%a8%eb%9f%b4-%ed%97%a4%ec%a0%80%eb%93%9c%eb%a5%bc-%eb%8f%84%eb%8d%95%ec%a0%81-%ed%95%b4%ec%9d%b4\/","title":{"rendered":"[\u6642\u4e8b][\uc2dc\uc0ac] \ub204\uac00 \u2018\ubaa8\ub7f4 \ud5e4\uc800\ub4dc\u2019\ub97c \u2018\ub3c4\ub355\uc801 \ud574\uc774\u2019\ub77c\uace0 \ubc88\uc5ed\ud588\ub294\uac00?"},"content":{"rendered":"

[\u6642\u4e8b][\uc2dc\uc0ac] \ub204\uac00 \u2018\ubaa8\ub7f4 \ud5e4\uc800\ub4dc\u2019\ub97c \u2018\ub3c4\ub355\uc801 \ud574\uc774\u2019\ub77c\uace0 \ubc88\uc5ed\ud588\ub294\uac00?<\/h1>\n
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\ub204\uac00 \u2018\ubaa8\ub7f4 \ud5e4\uc800\ub4dc\u2019\ub97c \u2018\ub3c4\ub355\uc801 \ud574\uc774\u2019\ub77c\uace0 \ubc88\uc5ed\ud588\ub294\uac00?<\/h3>\n
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  • <\/i> \uc2b9\uc778 2005.09.28 11:31<\/li>\n<\/ul>\n<\/article>\n
    <\/article>\n<\/section>\n<\/header>\n
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    [\uae40\ub355\uc218\uc758 \ud30c\uc6cc\uce7c\ub7fc]\ubaa8\ub7f4 \ud5e4\uc800\ub4dc<\/h4>\n

    \uacbd\uc81c\ud559\uc790\ub098 \uc0ac\ud68c\ud559\uc790\ub4e4\uc774 \uc990\uaca8 \uc4f0\ub294 \uc6a9\uc5b4 \uac00\uc6b4\ub370 \u2018\ubaa8\ub7f4 \ud5e4\uc800\ub4dc(moral hazard)\u2019\ub77c\ub294 \uac83\uc774 \uc788\ub2e4. \ubaa8\ub7f4 \ud5e4\uc800\ub4dc\ub780, \u2018\uc790\uc2e0\uc758 \ud589\ub3d9\uc774 \uc0c1\ub300\ubc29\uc758 \uc815\ubcf4\ubd80\uc871\uc73c\ub85c \uc815\ud655\ud558\uac8c \ud30c\uc545\ub420 \uc218 \uc5c6\ub2e4\ub294 \uc810\uc744 \uc545\uc6a9\ud558\uc5ec \uc0c1\ub300\ubc29\uc758 \uc785\uc7a5\uc5d0\uc11c \ubcfc \ub54c, \ubc14\ub78c\uc9c1\ud558\uc9c0 \uc54a\uc740 \ud589\ub3d9\uc744 \ucde8\ud558\ub294 \uac83\u2019\uc744 \uc758\ubbf8\ud55c\ub2e4.<\/p>\n

    \uac00\ub839, \uad6d\ubbfc\ub4e4\uc758 \ubbfc\uc0dd\uc548\uc815\uacfc \ubcf5\ub9ac\uc99d\uc9c4\uc744 \uc704\ud574 \ucd5c\uc120\uc744 \ub2e4\ud574\uc57c \ud560 \uad6d\ud68c\uc758\uc6d0\uc774 \uc790\uc2e0\uc5d0 \ub300\ud55c \uad6d\ubbfc\uc758 \uc815\ubcf4\ubd80\uc871\uc744 \uc545\uc6a9\ud558\uc5ec \uacf5\uc775(\u516c\u76ca)\ubcf4\ub2e4\ub294 \uc0ac\uc775(\u79c1\u76ca)\uc744 \ucd5c\uc6b0\uc120\uc801\uc73c\ub85c \ucd94\uad6c\ud558\ub294 \ube44\ub3c4\ub355\uc801\uc778 \ud589\uc704\uac00 \ubaa8\ub7f4 \ud5e4\uc800\ub4dc\uc758 \ub300\ud45c\uc801\uc778 \uc0ac\ub840\uc774\ub2e4.<\/p>\n

    \uadf8\ub7f0\ub370 \ud55c \uac00\uc9c0 \uc548\ud0c0\uae4c\uc6b4 \uc810\uc740, \ud55c\uad6d\uc5d0\uc11c \ubaa8\ub7f4 \ud5e4\uc800\ub4dc\uac00 \u2018\ub3c4\ub355\uc801 \ud574\uc774(\u9053\u5fb7\u7684 \u89e3\u5f1b)\u2019\ub85c \uc798\ubabb \ubc88\uc5ed\ub418\uace0 \uc788\ub2e4\ub294 \uc0ac\uc2e4\uc774\ub2e4. \uc8fc\uc694 \uc77c\uac04\uc9c0\uc758 \ub17c\uac1d(\uf941\u5ba2)\ub4e4\ub85c\ubd80\ud130, \uc0ac\ud68c\uacfc\ubaa9\uc744 \uac00\ub974\uce58\ub294 \uad50\uc0ac, \ub300\ud559\uad50\uc218, \uc77c\ubc18\uc778, \ud559\uc0dd\ub4e4\uc5d0 \uc774\ub974\uae30\uae4c\uc9c0 \uac70\uc758 \ubaa8\ub4e0 \uad6d\ubbfc\ub4e4\uc774 \u2018\ubaa8\ub7f4 \ud5e4\uc800\ub4dc\u2019 \ub300\uc2e0\uc5d0 \u2018\ub3c4\ub355\uc801 \ud574\uc774\u2019\ub77c\ub294 \uc6a9\uc5b4\ub97c \uc0ac\uc6a9\ud558\uace0 \uc788\ub2e4.<\/p>\n

    \uad6d\ub0b4\uc5d0\uc11c \ucd5c\ucd08\ub85c \ubaa8\ub7f4 \ud5e4\uc800\ub4dc\ub97c \ub3c4\ub355\uc801 \ud574\uc774\ub85c \ubc88\uc5ed\ud558\uc5ec \uc720\ud3ec\uc2dc\ud0a8 \uc0ac\ub78c\uc740 S\ub300\ud559\uad50 \uacbd\uc81c\ud559\uacfc\uc758 L\uad50\uc218\ub77c\uace0 \uc0dd\uac01\ud55c\ub2e4. 1989\ub144\uc5d0 \ubc1c\uac04\ub41c \uadf8\ubd84\uc758 \u226a\ubbf8\uc2dc\uacbd\uc81c\ud559\u226b \ucc45\uc5d0\uc11c \ub3c4\ub355\uc801 \ud574\uc774\ub77c\ub294 \uc6a9\uc5b4\uac00 \ucc98\uc74c \ub4f1\uc7a5\ud588\uace0, 1990\ub144\ub3c4\uc5d0 \uadf8\uc640 \uc5f0\uad00\ub41c \ubb38\uc81c\uac00 \ud589\uc815\uace0\ub4f1\uace0\uc2dc\uc5d0 \ucd9c\uc81c\ub418\uba74\uc11c \uace0\uc2dc\uc900\ube44\uc0dd\uc744 \ube44\ub86f\ud55c \uc138\uc778(\u4e16\u4eba)\ub4e4\uc5d0\uac8c \ube60\ub978 \uc18d\ub3c4\ub85c \ud655\uc0b0\ub418\uc5c8\ub358 \uac83\uc73c\ub85c \uae30\uc5b5\ud55c\ub2e4. \uadf8\ub7f0\ub370 L\uad50\uc218\ub294 \uc544\ub9c8\ub3c4 \u226a\ub178\uc790\u226b\ub97c \ud55c\ubc88\ub3c4 \uc548 \uc77d\uc5b4\ubcf8 \uac83 \uac19\ub2e4.<\/p>\n

    \ubaa8\ub7f4 \ud5e4\uc800\ub4dc\ub294 \ub3c4\ub355\uc801 \uc704\ud5d8<\/p>\n

    \ud544\uc790\ub294 \ubaa8\ub7f4 \ud5e4\uc800\ub4dc\uac00 \ub3c4\ub355\uc801 \ud574\uc774\ub85c \ubc88\uc5ed\ud558\uc5b4 \uc0ac\uc6a9\ub418\ub294 \ud604\uc2e4\uc5d0 \ub300\ud574 \uc624\ub798\uc804\ubd80\ud130 \uc774\uc758\ub97c \uc81c\uae30\ud574 \uc628 \uc0ac\ub78c\uc774\ub2e4. \uc601\uc5b4\ud68c\ud654\uc5d0\ub294 \uc82c\ubcd1\uc774\uc9c0\ub9cc, \uc601\uc5b4\ub3c5\ud574\uc640 \uc601\ubb38\ubc95\uc5d0 \ub300\ud574\uc11c\ub294 \ub098\ub984\ub300\ub85c \uc77c\uac00\uacac\uc744 \uac16\uace0 \uc788\ub294 \u226a\uc815\ud1b5\uc885\ud569\uc601\uc5b4\u226b\uc138\ub300\uc758 \ud55c \uc0ac\ub78c\uc73c\ub85c\uc11c \u2018\ubaa8\ub7f4 \ud5e4\uc800\ub4dc = \ub3c4\ub355\uc801 \ud574\uc774\u2019\ub77c\ub294 \ub4f1\uc2dd\uc744 \uc27d\uc0ac\ub9ac \ubc1b\uc544\ub4e4\uc77c \uc218 \uc5c6\uc5c8\uae30 \ub54c\ubb38\uc774\ub2e4.<\/p>\n

    \ubaa8\ub7f4 \ud5e4\uc800\ub4dc\uc758 \uc815\ud655\ud55c \ubc88\uc5ed\uc740 \ub3c4\ub355\uc801 \ud574\uc774\uac00 \uc544\ub2c8\ub77c \u2018\ub3c4\ub355\uc801 \uc704\ud5d8\u2019\uc774\ub2e4. \uc65c \ubbf8\uad6d\uc778\ub4e4\uc740 \ubaa8\ub7f4(moral)\uc744 \ud574\uc774(relaxation)\ud574\uc9c8 \uc218 \uc788\ub294 \ub300\uc0c1\uc774 \uc544\ub2c8\ub77c \uc704\ud5d8(hazard)\ud55c \uac83\uc73c\ub85c \uac04\uc8fc\ud588\uc744\uae4c? \ub9cc\uc57d \uadf8\ub4e4\ub3c4 \uc6b0\ub9ac\ucc98\ub7fc \ub3c4\ub355\uc744 \ud574\uc774(\ub610\ub294 \ub290\uc2a8)\ud558\uac70\ub098 \ud0c0\uc774\ud2b8\ud558\uac8c \ucabc\uc77c \uc218 \uc788\ub294 \ub300\uc0c1\uc73c\ub85c \uc5ec\uacbc\ub2e4\uba74, \uadf8\ub4e4\uc740 \ubaa8\ub7f4\uc5d0\ub2e4 \uc704\ud5d8(hazard)\uc774\ub77c\ub294 \ub2e8\uc5b4\ub97c \ub367\ubd99\uc774\uc9c0 \uc54a\uace0 \u2018moral relaxation(\ub3c4\ub355\uc801 \ud574\uc774)\u2019\uc774\ub77c\ub294 \ud45c\ud604\uc744 \uc0ac\uc6a9\ud588\uc744 \uac83\uc774\ub2e4.<\/p>\n

    \uadf8\ub7ec\ub098 \ubbf8\uad6d\uc758 \uacbd\uc81c\ud559\uc790\ub4e4\uc740 \uc815\ubcf4\uacbd\uc81c\ud559\uc758 \uc8fc\uc778(principal)\uacfc \ub300\ub9ac\uc778(agent) \ubaa8\ud615\uc5d0\uc11c, \uc8fc\uc778\uc744 \uc704\ud574 \ucd5c\uc120\uc744 \ub2e4\ud574\uc57c \ud560 \uc758\ubb34\uac00 \uc788\ub294 \ub300\ub9ac\uc778\uc758 \ube44\ub3c4\ub355\uc801\uc778 \ud589\uc704\ub97c \uc124\uba85\ud558\ub294 \ub3c4\uad6c\ub85c\uc11c \u2018moral relaxation\u2019\uc774 \uc544\ub2cc \u2018moral hazard\u2019\ub97c \uc120\ud0dd\ud588\ub2e4. \uadf8\uac83\uc740 \ubbf8\uad6d\uc778\ub4e4\uc774 \u2018\ub3c4\ub355\u2019\uc744 \ud574\uc774\ud574\uc9c8 \uc218 \uc788\ub294 \ub300\uc0c1\uc774 \uc544\ub2c8\ub77c \uadfc\ubcf8\uc801\uc73c\ub85c \uc2e4\ucc9c\ud558\uae30 \uc5b4\ub824\uc6b4 \uc704\ud5d8\ud55c \ub300\uc0c1\uc73c\ub85c \uac04\uc8fc\ud588\uc74c\uc744 \uc2dc\uc0ac\ud55c\ub2e4.<\/p>\n

    \uc2e4\uc81c\ub85c \u226a\ub178\uc790(\uc77c\uba85, \ub3c4\ub355\uacbd)\u226b\uc758 \uc800\uc790\uc778 \ub178\ub2f4(\uf934\u8043)\uc740 \uc790\uc2e0\uc758 \ucc45\uc5d0\uc11c \ub9cc\ubb3c\uc758 \uadfc\uc6d0\uc5d0 \uc874\uc7ac\ud558\ub294 \ubcf4\ud3b8\uc801 \uc6d0\ub9ac\ub97c \u2018\ub3c4(\u9053)\u2019\ub77c\uace0 \uc815\uc758\ud588\ub2e4. \uc5ec\uae30\uc11c \ubcf4\ud3b8\uc801 \uc6d0\ub9ac\ub780, \u2018\uc790\uc2dd\uc740 \ubd80\ubaa8\ub2d8\uaed8 \uc815\uc131\uc744 \ub2e4\ud574 \ud6a8\ub3c4\ud574\uc57c \ud55c\ub2e4.\u2019\uc640 \uac19\uc774 \uc778\uac04\uc774\ub77c\uba74 \ub2f9\uc5f0\ud788 \ud574\uc57c \ud560 \ub3c4\ub9ac\ucbe4\uc73c\ub85c \uc774\ud574\ud558\uba74 \uc88b\uc744 \uac83 \uac19\ub2e4.<\/p>\n

    \uadf8\ub7f0\ub370 \ub178\ub2f4 \uc598\uae30\uc758 \uc815\uc218(\u7cbe\u9ad3)\ub294 \ub3c4(\u9053)\ubcf4\ub2e4\ub294 \uc624\ud788\ub824 \u2018\ub355(\u5fb7)\u2019\uc5d0 \uad00\ud55c \uae30\ub9c9\ud78c \ud574\uc11d\uc5d0 \uc788\ub2e4. \uadf8\ub294 \u201c\ub3c4\ub97c \uccb4\ub4dd\ud568\uc73c\ub85c\uc368 \ub3c4\uac00 \uc9c0\ub2c8\ub294 \ub6f0\uc5b4\ub09c \uc791\uc6a9, \uac00\ub839 \uacb8\uc190, \uc720\uc5f0, \uc591\uc2ec, \uc9c8\ubc15, \ubb34\uc2ec, \ubb34\uc695 \ub4f1\uc744 \ubab8\uc5d0 \uc775\ud788\uace0 \uadf8\uac83\uc744 \uad6c\uccb4\uc801\uc778 \ud589\ub3d9\uc73c\ub85c \uc2e4\ucc9c\ud558\ub294 \uac83\uc774 \uace7 \ub355\uc774\ub2e4.\u201d\ub77c\uace0 \uc124\uba85\ud588\ub2e4.<\/p>\n

    \ub3c4\ub355\uc5d0 \uad00\ud55c \uadf8\uc758 \uc124\uba85\uc740, \uc6b0\ub9ac\ub4e4\ub85c \ud558\uc5ec\uae08 \u2018\ub3c4\ub355\uc774\ub77c\ub294 \uc7a3\ub300\uc57c\ub9d0\ub85c \ub9e4\uc6b0 \uc704\ud5d8\ud55c \ub17c\ub9ac\uc77c \uc218\ubc16\uc5d0 \uc5c6\ub2e4.\u2019\ub294 \uacb0\ub860\uc744 \ub0b4\ub9ac\uac8c \ud55c\ub2e4. \uadf8\uac83\uc740 \uc18c\uc2dc\ubbfc\ub4e4\uc774 \ub178\ub2f4\uc774 \ub9d0\ud55c \ub3c4\ub355\uc758 \uc22d\uace0\ud55c \uac00\uce58\ub97c \uc77c\uc0c1\uc5d0\uc11c \uc2e4\ucc9c\ud55c\ub2e4\ub294 \uac83 \uc790\uccb4\uac00 \ub9e4\uc6b0 \uc5b4\ub824\uc6b4 \uc77c\uc774\uae30 \ub54c\ubb38\uc774\ub2e4.<\/p>\n

    \uc77c\ub840\ub85c, \ud5cc\ubc95 \uc55e\uc5d0\uc11c \uad6d\uac00\uc640 \uad6d\ubbfc\uc744 \ud5a5\ud55c \ub3c4\ub355\uc801 \ucc45\uc784\uc744 \ub9f9\uc138\ud588\ub358 \uc6b0\ub9ac\ub098\ub77c \uc5ed\ub300 \ub300\ud1b5\ub839\ub4e4\uacfc \uace0\uac1d\uc758 \uc608\uae08\uc6d0\uae08\uacfc \uc774\uc790\ubcf4\uc7a5\uc758 \ub3c4\ub355\uc801 \ucc45\uc784\uc744 \ub9f9\uc138\ud588\ub358 \uc740\ud589\uc6d0\ub4e4\uc774 IMF \uae08\uc735\uc704\uae30 \ub54c \ubcf4\uc5ec\uc900 \ubaa8\ub7f4 \ud5e4\uc800\ub4dc\uac00 \uadf8\uac83\uc744 \ub300\ubcc0\ud574 \uc8fc\uace0 \uc788\uc9c0 \uc54a\uc740\uac00! \ub3c4\ub355\uc5d0 \uad00\ud55c \ud55c, \ud544\uc790\ub3c4 \uc790\uc2e0\uc774 \uc5c6\ub2e4. \uc778\uac04 \uc790\uccb4\uac00 \uc5b8\uc81c \uc5b4\ub514\uc11c\ub4e0\uc9c0 \ub3c4\ub355\uc801\uc778 \uc2e4\uc218\ub97c \uc800\uc9c0\ub97c \uac1c\uc5f0\uc131\uc774 \ub9e4\uc6b0 \ud070 \uc874\uc7ac\uc774\uae30 \ub54c\ubb38\uc774\ub2e4. \ub9ac\ub354\ub77c\uace0 \ud574\uc11c \uc6b0\ub9ac\uc640 \ud06c\uac8c \ub2e4\ub97c \ubc14 \uc5c6\ub2e4.<\/p>\n

    \ub3c4\ub355 \uac15\uc870\ud558\ub294 \uc0ac\ud68c\ub294 \uc77c\ub958\uc0ac\ud68c\uac00 \uc544\ub2c8\ub2e4<\/p>\n

    \uadf8\ub7f0 \uc758\ubbf8\uc5d0\uc11c \uad6d\uac00\ubc1c\uc804\uc744 \uc704\ud574 \ub3c4\ub355\uc744 \uc720\ub09c\ud788 \uac15\uc870\ud558\ub294 \uc0ac\ud68c\ub294 \uacb0\ucf54 \uc77c\ub958\uc0ac\ud68c\uac00 \uc544\ub2c8\ub2e4. \uadf8\ubcf4\ub2e4\ub294 \uc624\ud788\ub824 \uc21c\uc790\uc758 \uc131\uc545\uc124\uc5d0 \uae30\ucd08\ud55c \uc2dc\uc2a4\ud15c\uc801 \uc0ac\uace0(\u601d\u8003)\ub85c, \uc778\uac04\uc758 \ub9c8\uc74c\uc18d\uc5d0 \uc7a0\uc7ac\ud574 \uc788\ub294 \ubaa8\ub7f4 \ud5e4\uc800\ub4dc\ub97c \ubbf8\uc5f0\uc5d0 \ubc29\uc9c0\ud560 \uc218 \uc788\ub3c4\ub85d \ubc95\uacfc \uc81c\ub3c4\ub97c \uce58\ubc00\ud558\uac8c \uc124\uacc4\ud574 \ub098\uac00\ub294 \uc0ac\ud68c\uac00 \uc77c\ub958\uc0ac\ud68c\ub77c\uace0 \uc0dd\uac01\ud55c\ub2e4.<\/p>\n

    \uacbd\uc81c\ud559\uc774 \uc81c\uc2dc\ud558\ub294 \ubaa8\ub7f4 \ud5e4\uc800\ub4dc\uc758 \ud574\uacb0\ubc29\uc548 \uc5ed\uc2dc, \ub3c4\ub355\uc801\uc778 \uce21\uba74\uc5d0\uc11c\uc758 \uc7ac\ubb34\uc7a5\uc774 \uc544\ub2c8\ub77c \uc778\uac04\ub4e4\uc774 \ubcf8\uc9c8\uc801\uc73c\ub85c \ube44\ub3c4\ub355\uc801\uc778 \ud589\uc704\ub97c \ud560 \uc218 \uc5c6\ub3c4\ub85d \ud558\ub294 \uc2dc\uc2a4\ud15c\uc758 \ud655\ub9bd\uc774\ub2e4. \ub610 \uc2dc\uc2a4\ud15c\uc774\ub77c\uace0 \ud574\uc11c, \uadf8\uac83\uc774 \uc5c4\uccad\ub09c \uac83\uc744 \uc758\ubbf8\ud558\uc9c0\ub294 \uc54a\ub294\ub2e4.<\/p>\n

    \uba87 \ub144 \uc804\uae4c\uc9c0\ub9cc \ud574\ub3c4 \uace0\uac1d\ub4e4\uc774 \uc740\ud589\uc5d0\uc11c \ubcfc\uc77c\uc744 \ubcf4\ub824\uba74 \uac1d\uc7a5 \uc548\uc758 \uc5ec\uc9c1\uc6d0 \uc55e\uc5d0\uc11c \uc77c\ub82c\ub85c \uc904\uc744 \uc120 \ucc44, \uc790\uc2e0\uc758 \ucc28\ub840\uac00 \ub3cc\uc544\uc624\uae30\ub97c \uae30\ub2e4\ub824\uc57c \ud588\ub2e4. \ub610\ud55c \uc740\ud589\uc5d0\ub294 TV-\ub4dc\ub77c\ub9c8 \u226a\ud5c8\uc900\u226b\uc5d0 \ub4f1\uc7a5\ud588\ub358 \ud0e4\ub7f0\ud2b8 \uc784\ud604\uc2dd\uc528\ucc98\ub7fc \u201c\uc904\uc744 \uc11c\uc2dc\uc624!\u201d\ub77c\uace0 \uc678\uce58\uba74\uc11c \ube44\ub3c4\ub355\uc801\uc778 \uc0c8\uce58\uae30\ub97c \uac10\uc2dc\ud558\ub294 \uccad\uc6d0\uacbd\ucc30\uc774 \uc788\uc5c8\ub2e4.<\/p>\n

    \uadf8\ub7ec\ub098 \uc9c0\uae08 \uc740\ud589\uc5d0 \uac00\ubcf4\uba74, \ub3c4\ub355\uc801\uc778 \uc904\uc11c\uae30\ub97c \uac15\uc694\ud558\ub294 \uccad\uc6d0\uacbd\ucc30\ub3c4 \uc5c6\uace0 \uc5ec\uc9c1\uc6d0\ub4e4 \uc55e\uc5d0\uc11c \uc904\uc9c0\uc5b4 \uc11c \uc788\ub294 \uc0ac\ub78c\ub4e4\uc758 \ud589\ub82c\ub3c4 \ucc3e\uc544\ubcfc \uc218 \uc5c6\ub2e4. \ub2e8\uc9c0 \ubaa8\ub4e0 \uace0\uac1d\ub4e4\uc774 \uc18c\ud30c\uc5d0 \uc549\uc544\uc11c \uc804\uad11\ud310\uc758 \uc22b\uc790\ub97c \uc8fc\uc2dc\ud558\uac70\ub098 \uce5c\uad6c\ub07c\ub9ac \ub2f4\uc18c\ub97c \ub098\ub204\uac70\ub098 \uc7a1\uc9c0\ub97c \ubcf4\uba74\uc11c \ud3b8\uc548\ud558\uac8c \uc790\uc2e0\uc758 \uc21c\uc11c\ub97c \uae30\ub2e4\ub9ac\ub294\ub370\ub3c4 \uc740\ud589 \uac1d\uc7a5\uc758 \uc9c8\uc11c\ub9cc\ud07c\uc740 \uc870\uc6a9\ud55c \uac00\uc6b4\ub370 \ud655\uc2e4\ud558\uac8c \uc720\uc9c0\ub418\uace0 \uc788\ub2e4. \uc5b4\ub5bb\uac8c \uc774\ub7f0 \uc77c\uc774 \uac00\ub2a5\ud588\uc744\uae4c? \uadf8\uac83\uc740 \uc740\ud589 \uac1d\uc7a5\uc5d0 \u2018\uc21c\ubc88 \ubc88\ud638\ud45c \uc81c\ub3c4\u2019\ub77c\ub294 \uc77c\uc885\uc758 \uc9c8\uc11c\uc720\uc9c0\uc2dc\uc2a4\ud15c\uc774 \ub3c4\uc785\ub418\uc5b4 \uc791\ub3d9\ud588\uae30 \ub54c\ubb38\uc774\ub2e4.<\/p>\n

    \uc774\ucc98\ub7fc \uc2dc\uc2a4\ud15c\uc774 \uc9c0\ub2cc \uc7a5\uc810\uc774 \ub9e4\uc6b0 \ud070\ub370\ub3c4 \ubd88\uad6c\ud558\uace0, \uc0ac\uc774\ube44 \ub9ac\ub354\ub4e4\uc740 \uc2dc\uc2a4\ud15c \ubb38\uc81c\ub294 \uac70\ub4e4\ub5a0\ubcf4\uc9c0\ub3c4 \uc54a\uace0 \uc624\uc9c1 \ub3c4\ub355\uc801 \uc7a3\ub300\uc5d0 \uae30\ucd08\ud55c \uc870\uc9c1\uac1c\ud601\uc744 \ubd80\ub974\uc9d6\uae30 \ub54c\ubb38\uc5d0 \uc870\uc9c1\uad6c\uc131\uc6d0\ub4e4\uc740 \ud56d\uc0c1 \uac1c\ud601 \ud53c\ub85c\uc99d\uc5d0 \uc2dc\ub2ec\ub9b4 \uc218\ubc16\uc5d0 \uc5c6\ub294\ub370\ub2e4 \uac1c\ud601\uc758 \uc131\uacfc\ub9c8\uc800 \uc9c0\uc9c0\ubd80\uc9c4\ud55c \uac83\uc774\ub2e4.<\/p>\n

    \uc77c\ub840\ub85c, \uad6c\uccad\uc9c1\uc6d0\uc758 \uc138\uae08\ucc29\ubcf5\uc0ac\uac74\uc774 \ubc1c\uc0dd\ud558\uba74 \uad6c\uccad\uc7a5\uc740 TV\uae30\uc790\ub098 \uc2e0\ubb38\uae30\uc790\ub4e4\uc744 \ubd88\ub7ec\ub193\uace0 \uc804 \uc9c1\uc6d0\uc774 \ubaa8\uc5ec \u201c\ub2e4\uc2dc\ub294 \uc138\uae08\ube44\ub9ac\ub97c \uc800\uc9c0\ub974\uc9c0 \uc54a\uaca0\uc2b5\ub2c8\ub2e4!\u201d\ub77c\ub294 \ub300(\u5c0d)\uad6d\ubbfc \ud64d\ubcf4\uc6a9 \uc591\uc2ec\uc120\uc5b8\ub300\ud68c\ubd80\ud130 \uac1c\ucd5c\ud55c\ub2e4. \uadf8\ub7f0\ub370 \uad6c\uccad\uc9c1\uc6d0\uc774 \uc138\uae08\uc744 \ucc29\ubcf5\ud560 \uc218 \uc788\ub294 \uac83\uc740, \uc138\uae08\uace0\uc9c0\uc11c\uc758 \ubc1c\ubd80\ub85c\ubd80\ud130 \ub0a9\ubd80\uc5d0 \uc774\ub974\ub294 \uc77c\ub828\uc758 \uacfc\uc815\uc5d0\uc11c \ubb34\uc5b8\uac00 \ud5c8\uc220\ud55c \ubd80\ubd84\uc774 \uc874\uc7ac\ud558\uae30 \ub54c\ubb38\uc774\ub2e4. \uc989 \ub0a9\uc138 \uc2dc\uc2a4\ud15c \uc0c1\uc5d0 \uc2ec\uac01\ud55c \ubb38\uc81c\uac00 \uc788\ub2e4\ub294 \uc99d\uac70\ub2e4. \uadf8\ub7f0\ub370\ub3c4 \uc2dc\uc2a4\ud15c\uc740 \uace0\uce58\uc9c0 \uc54a\uc740 \ucc44, \uad6c\uccad\uc9c1\uc6d0\ub4e4\uc758 \ub3c4\ub355\uc2ec \ud568\uc591\ub9cc \ubd80\ub974\uc9d6\uc73c\ub2c8\uae4c \uc138\uae08\ucc29\ubcf5\uc0ac\uac74\uc774 \uadfc\uc808\ub418\uc9c0 \uc54a\uace0 \ub418\ud480\uc774 \ub420 \uc218\ubc16\uc5d0 \uc5c6\ub294 \uac83\uc774\ub2e4.<\/p>\n

    \ud544\uc790\ub294 \uc774 \ubaa8\ub4e0 \uc6d0\uc778\uc774 \ud55c\uad6d\uc778\ub4e4\uc758 \ub1cc\ub9ac \uc18d\uc5d0 \ubfcc\ub9ac\ubc15\ud600 \uc788\ub294 \u2018\ubaa8\ub7f4 \ud5e4\uc800\ub4dc = \ub3c4\ub355\uc801 \ud574\uc774\u2019\ub77c\ub294 \uc798\ubabb\ub41c \uc778\uc2dd \ub54c\ubb38\uc774\ub77c\uace0 \uc0dd\uac01\ud55c\ub2e4. \uc774\uc81c \uc6b0\ub9ac\ub098\ub77c\uac00 \uc9c4\uc815\ud55c \uc120\uc9c4\uad6d\uac00\ub85c \ubc1c\ub3cb\uc6c0\ud558\uae30 \uc704\ud574\uc11c\ub294 \ubb34\uc5c7\ubcf4\ub2e4\ub3c4 \u2018\ub3c4\ub355\uc740 \uadfc\ubcf8\uc801\uc73c\ub85c \uc704\ud5d8\ud55c \uac83\uc774\ub2e4.\u2019\ub294 \uc0ac\uace0(\u601d\u8003)\uc5d0 \uc785\uac01\ud574\uc11c \uac01\uc885 \uc0ac\ud68c\uc801 \ubb38\uc81c\ub97c \uc2dc\uc2a4\ud15c\uc73c\ub85c \ud480\ub824\ub294 \uc9c4\uc9c0\ud55c \ub178\ub825\uc744 \ubcf8\uaca9\uc801\uc73c\ub85c \uc2dc\ub3c4\ud574\uc57c \ud55c\ub2e4.<\/p>\n

    \uc2dc\uc2a4\ud15c\uc5d0\ub294 \ud559\uc5f0, \uc9c0\uc5f0, \ud608\uc5f0, \uc885\uad50\uc5f0 \uac19\uc740 \uac83\uc774 \uc57d\ubc1c\uc744 \ubc1b\uc744 \uc218\ub3c4 \uc5c6\uace0, \u2018\ub07c\ub9ac\ub07c\ub9ac\uc758 \ud6a1\ud3ec\u2019\ub3c4 \uc874\uc7ac\ud558\uc9c0 \uc54a\ub294\ub2e4. \ud55c\uc77c \uc6d4\ub4dc\ucef5 4\uac15 \uc2e0\ud654\ub97c \uc77c\uad88\ub0b8 \ud788\ub529\ud06c \uac10\ub3c5 \ub610\ud55c \uc120\uc218\ub4e4\uc758 \ub3c4\ub355\uc744 \uac15\uc870\ud55c \uc0ac\ub78c\uc774 \uc544\ub2c8\ub2e4. \uadf8\ub294 \uc120\uc218\ub4e4\uc774 \uc790\ubc1c\uc801\uc73c\ub85c \ucd5c\uc120\uc744 \ub2e4\ud558\uc9c0 \uc54a\uc73c\uba74 \uc548\ub418\uaca0\uae08 \ud558\ub294\ub370 \ud0c1\uc6d4\ud588\ub358 \uc2dc\uc2a4\ud15c \uac10\ub3c5\uc774\uc5c8\ub2e4. \ud544\uc790\uac00 \ubaa8\ub7f4 \ud5e4\uc800\ub4dc\ub97c \ub3c4\ub355\uc801 \uc704\ud5d8\uc73c\ub85c \ubc88\uc5ed\ud574\uc57c\ub9cc \ud55c\ub2e4\uace0 \uc5ed\uc124\ud558\ub294 \uc774\uc720\ub3c4 \uadf8\uc640 \ubb34\uad00\ud558\uc9c0 \uc54a\ub2e4.<\/p>\n

    \ub05d\uc73c\ub85c \ub178\ub2f4\uc774 \uc9c0\uc801\ud55c \u2018\ub3c4\ub355\u2019\uc758 \ub3d9\uc591\uc801 \uac00\uce58\uc640 \uadf8 \ud55c\uacc4\uc810\uc5d0 \ud574\ubc15\ud574\uc57c \ud560 \uc6b0\ub9ac\ub4e4\uc774 \uadf8\uac83\uc5d0 \ub300\ud574 \ub208\uac10\uace0 \uc788\uc744 \ub54c, \ud30d\uc2a4-\uc544\uba54\ub9ac\uce74\ub97c \uc8fc\ub3c4\ud558\uace0 \uc788\ub294 \ubbf8\uad6d\uc778\ub4e4\uc774 \u226a\ub178\uc790\u226b\uc758 \ubaa8\ub7f4(moral)\uc5d0 \ub0b4\uc7ac\ub41c \ubb38\uc81c\uc810\uc744 \uc815\ud655\ud558\uac8c \uc9c1\uc2dc\ud558\uace0 \uadf8 \ub300\uc548\uc73c\ub85c \uc2dc\uc2a4\ud15c\uc744 \ucc3d\uc548\ud574\uc11c \uc6b4\uc6a9\ud558\ub294 \uac83\uc774 \uadf8\uc800 \ub180\ub78d\uace0 \ub450\ub824\uc6b8 \ubfd0\uc774\ub2e4.<\/p>\n

    \ud639\uc2dc \uc6b0\ub9ac\ub098\ub77c\uc5d0\ub294 \uc568\ube48 \ud1a0\ud50c\ub7ec\ub098 \ub798\uc2a4\ud130 \uc11c\ub85c\uc6b0, \ud1b0 \ud53c\ud130\uc2a4\uc640 \uac19\uc740 \ub6f0\uc5b4\ub09c \ubbf8\ub798\ud559\uc790\ub4e4\uc774 \uc5c6\uc5b4\uc11c \uadf8\ub7f0 \uac83\uc740 \uc544\ub2cc\uc9c0? \uc2dc\uc2a4\ud15c\uc5d0 \ubb38\uc678\ud55c\uc778 \uc0ac\uc774\ube44 \ub9ac\ub354\ub4e4\uc744 \ubc14\ub77c\ubcf4\uace0 \uc788\ub178\ub77c\uba74, \ud55c\uad6d\uc758 \ubbf8\ub798\uc640 \uc6b0\ub9ac \uc544\uc774\ub4e4\uc758 \uc7a5\ub798\uac00 \uc5ec\uac04 \uac71\uc815\uc2a4\ub7ec\uc6b4 \uac8c \uc544\ub2c8\ub2e4.<\/p>\n\n\n\n
    <\/td>\n\uae40\ub355\uc218 : \ucda9\ubd81\ub300\ud559\uad50 \uacbd\uc81c\ud559\uacfc \uc878\uc5c5, \uace0\ub824\ub300\ud559\uad50 \uacbd\uc81c\ud559\uacfc \uc11d\uc0ac, \ubc15\uc0ac\uacfc\uc815 \uc878\uc5c5(\uacbd\uc81c\ud559\ubc15\uc0ac), KAIST \uacbd\uc81c\ubd84\uc11d\uc5f0\uad6c\uc2e4 \uc120\uc784\uc5f0\uad6c\uc6d0, \uc77c\ubcf8 \uacfc\ud559\uae30\uc220\uc815\ucc45\uc5f0\uad6c\uc18c \uac1d\uc6d0\uc5f0\uad6c\uc6d0, \uacf5\uc8fc\ub300\ud559\uad50 \uae30\ud68d\uc5f0\uad6c\ubd80\ucc98\uc7a5, KBS \ub77c\ub514\uc624 ‘\uc0c1\ucf8c\ud55c \uc544\uce68’ \ud504\ub85c\uc5d0\uc11c ‘\uc54c\uae30\uc26c\uc6b4 \uc0dd\ud65c\uacbd\uc81c \uac15\uc758’, \ud604\uc7ac \uacf5\uc8fc\ub300\ud559\uad50 \uc0ac\ubc94\ub300\ud559 \uc0ac\ud68c\uad50\uc721\uacfc \uad50\uc218, \uc790\uc720\ubbfc\uc8fc\uc5f0\ud569 \ud601\uc2e0\uc704\uc6d0\uc7a5, \uc800\uc11c: \uae40\ub355\uc218 \uad50\uc218\uc758 \ud1b5\ucf8c\ud55c \uacbd\uc81c\ud559(\ud55c\uad6d\uacbd\uc81c\uc2e0\ubb38), \uae40\ub355\uc218 \uad50\uc218\uc758 \uacbd\uc81c EQ \ub192\uc774\uae30(\ud55c\uad6d\uacbd\uc81c\uc2e0\ubb38), \ub9e8\uc8fc\uba39\uc758 CEO \uc774\uc21c\uc2e0\uc5d0\uac8c \ubc30\uc6cc\ub77c!(\ubc00\ub9ac\uc5b8 \ud558\uc6b0\uc2a4) \uc678 \ub2e4\uc218 \uc788\uc74c<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
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     <\/div>\n<\/div>\n<\/article>\n<\/div>\n<\/article>\n<\/div>\n<\/section>\n<\/div>\n

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    <\/div>\n","protected":false},"excerpt":{"rendered":"

    [\u6642\u4e8b][\uc2dc\uc0ac] \ub204\uac00 \u2018\ubaa8\ub7f4 \ud5e4\uc800\ub4dc\u2019\ub97c \u2018\ub3c4\ub355\uc801 \ud574\uc774\u2019\ub77c\uace0 \ubc88\uc5ed\ud588\ub294\uac00? \ub204\uac00 \u2018\ubaa8\ub7f4 \ud5e4\uc800\ub4dc\u2019\ub97c \u2018\ub3c4\ub355\uc801 \ud574\uc774\u2019\ub77c\uace0 \ubc88\uc5ed\ud588\ub294\uac00?      \uc2b9\uc778 2005.09.28 11:31 [\uae40\ub355\uc218\uc758 \ud30c\uc6cc\uce7c\ub7fc]\ubaa8\ub7f4 \ud5e4\uc800\ub4dc \uacbd\uc81c\ud559\uc790\ub098 \uc0ac\ud68c\ud559\uc790\ub4e4\uc774 \uc990\uaca8 \uc4f0\ub294 \uc6a9\uc5b4 \uac00\uc6b4\ub370 \u2018\ubaa8\ub7f4 \ud5e4\uc800\ub4dc(moral hazard)\u2019\ub77c\ub294 \uac83\uc774 \uc788\ub2e4. \ubaa8\ub7f4 \ud5e4\uc800\ub4dc\ub780, \u2018\uc790\uc2e0\uc758 \ud589\ub3d9\uc774 \uc0c1\ub300\ubc29\uc758 \uc815\ubcf4\ubd80\uc871\uc73c\ub85c \uc815\ud655\ud558\uac8c \ud30c\uc545\ub420 \uc218 \uc5c6\ub2e4\ub294 \uc810\uc744 \uc545\uc6a9\ud558\uc5ec \uc0c1\ub300\ubc29\uc758 \uc785\uc7a5\uc5d0\uc11c \ubcfc \ub54c, \ubc14\ub78c\uc9c1\ud558\uc9c0 \uc54a\uc740 \ud589\ub3d9\uc744 \ucde8\ud558\ub294 \uac83\u2019\uc744 \uc758\ubbf8\ud55c\ub2e4. \uac00\ub839, […]<\/p>\n

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