{"id":635,"date":"2025-07-28T15:00:47","date_gmt":"2025-07-28T06:00:47","guid":{"rendered":"https:\/\/lbcsultan.wordpress.com\/?p=635"},"modified":"2025-07-28T15:00:47","modified_gmt":"2025-07-28T06:00:47","slug":"%eb%94%94%ec%a7%80%ed%84%b8-%ed%86%b5%ed%99%94-%ec%83%9d%ed%83%9c%ea%b3%84-%ea%b5%ac%ec%b6%95","status":"publish","type":"post","link":"https:\/\/cris.joongbu.ac.kr\/?p=635","title":{"rendered":"\ub514\uc9c0\ud138 \ud1b5\ud654 \uc0dd\ud0dc\uacc4 \uad6c\ucd95"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">\ub300\ud55c\ubbfc\uad6d \ub514\uc9c0\ud138 \ud1b5\ud654 \uc0dd\ud0dc\uacc4 \uad6c\ucd95\uc744 \uc704\ud55c \ud558\uc774\ube0c\ub9ac\ub4dc(\ud22c \ud2b8\ub799) \uc804\ub7b5 \uc81c\uc548\uc11c<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. \uc81c\uc548 \ubc30\uacbd \ubc0f \ud544\uc694\uc131<\/h3>\n\n\n\n<p>\ub300\ud55c\ubbfc\uad6d\uc740 \uc138\uacc4\uc801\uc778 \uc815\ubcf4\ud1b5\uc2e0 \uac15\uad6d\uc774\uc790 \uae08\uc735 \ud601\uc2e0\uc744 \uc120\ub3c4\ud558\ub294 \uad6d\uac00\ub85c\uc11c, \ub514\uc9c0\ud138 \ud1b5\ud654 \uc2dc\ub300\uc758 \ub3c4\ub798\uc5d0 \uc120\uc81c\uc801\uc73c\ub85c \ub300\uc751\ud574\uc57c \ud560 \uc2dc\uc810\uc5d0 \uc640 \uc788\uc2b5\ub2c8\ub2e4. \ud604\uc7ac \uae00\ub85c\ubc8c \uae08\uc735 \uc2dc\uc7a5\uc5d0\uc11c\ub294 \uc911\uc559\uc740\ud589 \ub514\uc9c0\ud138\ud654\ud3d0(CBDC)\uc640 \ubbfc\uac04 \ubc1c\ud589 \uc2a4\ud14c\uc774\ube14\ucf54\uc778\uc5d0 \ub300\ud55c \ub17c\uc758 \ubc0f \uac1c\ubc1c\uc774 \ud65c\ubc1c\ud788 \uc9c4\ud589 \uc911\uc774\uba70, \uc774\ub294 \uae30\uc874 \ud654\ud3d0 \uc2dc\uc2a4\ud15c\uc758 \ud6a8\uc728\uc131 \uc99d\ub300\uc640 \uc0c8\ub85c\uc6b4 \uae08\uc735 \uc11c\ube44\uc2a4 \ucc3d\ucd9c\uc758 \uae30\ud68c\ub97c \uc81c\uacf5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uadf8\ub7ec\ub098 \ub3d9\uc2dc\uc5d0, \ub514\uc9c0\ud138 \ud1b5\ud654\ub294 \ud1b5\ud654 \uc8fc\uad8c \uce68\ud574, \uae08\uc735 \uc548\uc815\uc131 \uc704\ud611, \ud22c\uae30\uc801 \uacf5\uaca9\uc5d0 \ub300\ud55c \ucde8\uc57d\uc131 \ub4f1 \ub2e4\uc591\ud55c \ub3c4\uc804 \uacfc\uc81c\ub97c \ub0b4\ud3ec\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788, \ud604\uc7ac \uc555\ub3c4\uc801\uc73c\ub85c \uc6b0\uc138\ud55c \ub2ec\ub7ec \uae30\ubc18 \uc2a4\ud14c\uc774\ube14\ucf54\uc778\uc758 \ubb34\ubd84\ubcc4\ud55c \ud655\uc0b0\uc740 \ud55c\uad6d\uc758 \ud1b5\ud654 \uc8fc\uad8c\uc744 \uc704\ud611\ud558\uace0 \uad6d\ub0b4 \uae08\uc735 \uc2dc\uc2a4\ud15c\uc5d0 \ubd88\uc548\uc815\uc131\uc744 \uc57c\uae30\ud560 \uc218 \uc788\ub2e4\ub294 \uc6b0\ub824\uac00 \uc81c\uae30\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc774\ub7ec\ub7ec\ud55c \ud658\uacbd\uc5d0\uc11c, \ub300\ud55c\ubbfc\uad6d\uc774 \ub514\uc9c0\ud138 \ud1b5\ud654 \uc2dc\ub300\uc758 \uc8fc\ub3c4\uad8c\uc744 \ud655\ubcf4\ud558\uace0 \uad6d\uac00\uc801 \uc774\uc775\uc744 \uadf9\ub300\ud654\ud558\uae30 \uc704\ud574\uc11c\ub294 CBDC\uc640 \ubbfc\uac04 \uc6d0\ud654 \uae30\ubc18 \uc2a4\ud14c\uc774\ube14\ucf54\uc778 \uc911 \ud558\ub098\ub9cc\uc744 \uc120\ud0dd\ud558\ub294 \ub2e8\uc77c \uc804\ub7b5\ubcf4\ub2e4\ub294, \ub450 \uac00\uc9c0 \ub514\uc9c0\ud138 \ud1b5\ud654\uc758 \uc7a5\uc810\uc744 \uacb0\ud569\ud558\uace0 \ub2e8\uc810\uc744 \uc0c1\ud638 \ubcf4\uc644\ud558\ub294 <strong>\ud558\uc774\ube0c\ub9ac\ub4dc(\ud22c \ud2b8\ub799) \uc804\ub7b5<\/strong>\uc758 \ucd94\uc9c4\uc774 \uc808\uc2e4\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. \ud558\uc774\ube0c\ub9ac\ub4dc(\ud22c \ud2b8\ub799) \uc804\ub7b5\uc758 \ud575\uc2ec<\/h3>\n\n\n\n<p>\ubcf8 \uc81c\uc548\uc11c\ub294 \ud55c\uad6d\uc740\ud589\uc774 \uc8fc\ub3c4\ud558\ub294 CBDC\uc640 \ubbfc\uac04 \uae08\uc735\uae30\uad00\uc774 \ubc1c\ud589\ud558\ub294 \uc6d0\ud654 \uae30\ubc18 \uc2a4\ud14c\uc774\ube14\ucf54\uc778\uc744 \ub3d9\uc2dc\uc5d0 \ucd94\uc9c4\ud558\uc5ec, \uae08\uc735 \uc548\uc815\uc131 \ud655\ubcf4\uc640 \ud1b5\ud654 \uc8fc\uad8c \ubcf4\ud638\ub77c\ub294 \uacf5\uacf5\uc758 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud568\uacfc \ub3d9\uc2dc\uc5d0 \uc2dc\uc7a5\uc758 \ud601\uc2e0\uacfc \ud6a8\uc728\uc131\uc744 \uadf9\ub300\ud654\ud558\ub294 \uac83\uc744 \ubaa9\ud45c\ub85c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p><strong>\ud2b8\ub799 1: \ud55c\uad6d\uc740\ud589 CBDC &#8211; \uc548\uc815\uc131\uacfc \uacf5\uacf5\uc131\uc758 \uae30\ubc18<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uc815\uc758:<\/strong> \ud55c\uad6d\uc740\ud589\uc774 \uc9c1\uc811 \ubc1c\ud589\ud558\uace0 \uad00\ub9ac\ud558\ub294 \ubc95\uc815 \ub514\uc9c0\ud138 \ud654\ud3d0. \ud604\uae08\uacfc \ub3d9\uc77c\ud55c \ubc95\uc801 \uc9c0\uc704\ub97c \uac00\uc9d0.<\/li>\n\n\n\n<li><strong>\uc5ed\ud560:<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>\uae08\uc735 \uc2dc\uc2a4\ud15c\uc758 \ucd5c\ud6c4\uc758 \ubcf4\ub8e8:<\/strong> \uad6d\uac00\uac00 \ubcf4\uc99d\ud558\ub294 \ucd5c\uace0\uc758 \uc2e0\ub8b0\uc131\uacfc \uc548\uc815\uc131\uc744 \ubc14\ud0d5\uc73c\ub85c \uae08\uc735 \uc2dc\uc2a4\ud15c\uc758 \uadfc\ubcf8\uc801\uc778 \uc778\ud504\ub77c \uc5ed\ud560\uc744 \uc218\ud589\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\ud1b5\ud654 \uc8fc\uad8c \ubcf4\ud638:<\/strong> \uad6d\ub0b4 \ud1b5\ud654 \uc815\ucc45\uc758 \ub3c5\ub9bd\uc131\uc744 \ud655\ubcf4\ud558\uace0, \ud574\uc678 \ub514\uc9c0\ud138 \ud1b5\ud654\uc758 \ubb34\ubd84\ubcc4\ud55c \uad6d\ub0b4 \uc720\uc785\uc73c\ub85c \uc778\ud55c \ud1b5\ud654 \uc8fc\uad8c \uce68\ud574\ub97c \ubc29\uc5b4\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\ud6a8\uc728\uc801\uc778 \ud1b5\ud654 \uc815\ucc45 \uc218\ub2e8:<\/strong> \uc911\uc559\uc740\ud589\uc758 \ud1b5\ud654 \uc815\ucc45 \ud30c\uae09 \ud6a8\uacfc\ub97c \uac15\ud654\ud558\uace0, \uc7ac\ub09c\uc9c0\uc6d0\uae08 \ub4f1 \ud2b9\uc815 \ubaa9\uc801\uc758 \uc815\ucc45 \uc790\uae08 \uc9d1\ud589 \ud6a8\uc728\uc131\uc744 \uc99d\ub300\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\uc790\uae08\uc138\ud0c1\ubc29\uc9c0(AML) \ubc0f \ud14c\ub7ec\uc790\uae08\uc870\ub2ec\ubc29\uc9c0(CFT) \uac15\ud654:<\/strong> \ud22c\uba85\ud55c \uac70\ub798 \uae30\ub85d\uc744 \ud1b5\ud574 \uae08\uc735 \ubc94\uc8c4\ub97c \ud6a8\uacfc\uc801\uc73c\ub85c \uc608\ubc29\ud558\uace0 \ucd94\uc801\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p><strong>\ud2b8\ub799 2: \ubbfc\uac04 \uc6d0\ud654 \uae30\ubc18 \uc2a4\ud14c\uc774\ube14\ucf54\uc778 &#8211; \ud601\uc2e0\uacfc \uc2dc\uc7a5 \uc5ed\ub3d9\uc131\uc758 \ucd09\uc9c4\uc81c<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uc815\uc758:<\/strong> \uad6d\ub0b4 \uc740\ud589 \ubc0f \uaddc\uc81c\ub41c \uae08\uc735\uae30\uad00 \ub4f1 \uc2e0\ub8b0\ud560 \uc218 \uc788\ub294 \ubbfc\uac04 \uc8fc\uccb4\uac00 \ubc1c\ud589\ud558\uba70, \uc6d0\ud654\uc640 1:1\ub85c \uac00\uce58\uac00 \uc5f0\ub3d9\ub418\ub294 \ub514\uc9c0\ud138 \ud654\ud3d0.<\/li>\n\n\n\n<li><strong>\uc5ed\ud560:<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>\ub514\uc9c0\ud138 \uacbd\uc81c \ud601\uc2e0 \ucd09\uc9c4:<\/strong> \ube14\ub85d\uccb4\uc778 \uae30\ubc18\uc758 \uc0c8\ub85c\uc6b4 \uae08\uc735 \uc11c\ube44\uc2a4(DeFi, NFT, \uc6f9 3.0 \ub4f1) \ubc0f \ube44\uc988\ub2c8\uc2a4 \ubaa8\ub378 \ucc3d\ucd9c\uc744 \uc704\ud55c \ud575\uc2ec \uacb0\uc81c \uc218\ub2e8 \uc5ed\ud560\uc744 \uc218\ud589\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\uc9c0\uae09\uacb0\uc81c \ud6a8\uc728\uc131 \uadf9\ub300\ud654:<\/strong> \ube60\ub974\uace0 \uc800\ub834\ud55c \uad6d\ub0b4\uc678 \uc1a1\uae08 \ubc0f \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc744 \uc81c\uacf5\ud558\uc5ec \uc0c1\uac70\ub798 \ubc0f B2B \uac70\ub798\uc758 \ud6a8\uc728\uc131\uc744 \ub192\uc785\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\ub2e4\uc591\ud55c \uc0ac\uc6a9\uc790 \ub2c8\uc988 \ucda9\uc871:<\/strong> CBDC\uac00 \ud3ec\uad04\ud558\uae30 \uc5b4\ub824\uc6b4 \ud2b9\uc815 \ube14\ub85d\uccb4\uc778 \uc0dd\ud0dc\uacc4 \ubc0f \uc0ac\uc6a9\uc790 \uadf8\ub8f9\uc758 \ub2e4\uc591\ud55c \uae08\uc735 \uc11c\ube44\uc2a4 \uc218\uc694\ub97c \ucda9\uc871\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\ud540\ud14c\ud06c \uc0b0\uc5c5 \uc131\uc7a5 \uacac\uc778:<\/strong> \uad6d\ub0b4 \ud540\ud14c\ud06c \ubc0f \ube14\ub85d\uccb4\uc778 \uae30\uc220 \uae30\uc5c5\uc758 \uacbd\uc7c1\ub825\uc744 \uac15\ud654\ud558\uace0 \uae00\ub85c\ubc8c \uc2dc\uc7a5 \uc9c4\ucd9c \uae30\ud68c\ub97c \ud655\ub300\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">3. \ub450 \ud2b8\ub799\uc758 \uc0c1\ud638 \ubcf4\uc644 \ubc0f \uc2dc\ub108\uc9c0 \ud6a8\uacfc<\/h3>\n\n\n\n<p>\ub450 \uac00\uc9c0 \ub514\uc9c0\ud138 \ud1b5\ud654\ub294 \uc0c1\ud638 \ubc30\ud0c0\uc801\uc774\uc9c0 \uc54a\uace0, \uc624\ud788\ub824 \uc2dc\ub108\uc9c0\ub97c \ucc3d\ucd9c\ud558\uba70 \ub300\ud55c\ubbfc\uad6d \ub514\uc9c0\ud138 \ud1b5\ud654 \uc0dd\ud0dc\uacc4\uc758 \uac15\uac74\uc131\uc744 \ud655\ubcf4\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>CBDC\uc758 \uc575\ucee4 \uc5ed\ud560:<\/strong> \ubbfc\uac04 \uc6d0\ud654 \uc2a4\ud14c\uc774\ube14\ucf54\uc778\uc774 \uc704\uae30 \uc0c1\ud669\uc5d0 \ucc98\ud588\uc744 \ub54c, CBDC\ub294 \uad81\uadf9\uc801\uc778 \uc548\uc804 \uc790\uc0b0\uc73c\ub85c\uc11c \uc2dc\uc7a5\uc758 \ud63c\ub780\uc744 \uc9c4\uc815\uc2dc\ud0a4\uace0 \ud328\ub2c9\uc744 \uc644\ud654\ud558\ub294 \uc575\ucee4 \uc5ed\ud560\uc744 \uc218\ud589\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\ubd84\uc0b0\ub41c \ud601\uc2e0\uacfc \uc911\uc559 \uc9d1\uc911\uc2dd \uc548\uc815\uc131:<\/strong> CBDC\ub294 \uad6d\uac00 \uae08\uc735 \uc2dc\uc2a4\ud15c\uc758 \uc548\uc815\uc131\uc744 \ucc45\uc784\uc9c0\uace0, \ubbfc\uac04 \uc2a4\ud14c\uc774\ube14\ucf54\uc778\uc740 \uc2dc\uc7a5\uc758 \ud601\uc2e0\uacfc \ub2e4\uc591\uc131\uc744 \ucd94\uad6c\ud558\uba70 \uac01\uc790\uc758 \uac15\uc810\uc744 \ubc1c\ud718\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\uaddc\uc81c \ud658\uacbd\uc758 \uc815\uad50\ud654:<\/strong> CBDC\uc758 \ub3c4\uc785 \ubc0f \uc6b4\uc601 \uacfc\uc815\uc5d0\uc11c \uc5bb\uc740 \uacbd\ud5d8\uc740 \ubbfc\uac04 \uc2a4\ud14c\uc774\ube14\ucf54\uc778\uc5d0 \ub300\ud55c \ud569\ub9ac\uc801\uc774\uace0 \ud6a8\uacfc\uc801\uc778 \uaddc\uc81c \ud504\ub808\uc784\uc6cc\ud06c\ub97c \uc218\ub9bd\ud558\ub294 \ub370 \uc911\uc694\ud55c \uae30\ubc18\uc774 \ub429\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\uae00\ub85c\ubc8c \uacbd\uc7c1\ub825 \uac15\ud654:<\/strong> \uc548\uc815\uc801\uc778 CBDC\uc640 \ud601\uc2e0\uc801\uc778 \ubbfc\uac04 \uc2a4\ud14c\uc774\ube14\ucf54\uc778\uc744 \ub3d9\uc2dc\uc5d0 \ubcf4\uc720\ud568\uc73c\ub85c\uc368, \ub300\ud55c\ubbfc\uad6d\uc740 \ub514\uc9c0\ud138 \ud1b5\ud654 \ubd84\uc57c\uc5d0\uc11c \uae00\ub85c\ubc8c \ub9ac\ub354\uc2ed\uc744 \ud655\ubcf4\ud558\uace0 \uad6d\uc81c \ud45c\uc900 \ub17c\uc758\uc5d0 \uc801\uadf9\uc801\uc73c\ub85c \ucc38\uc5ec\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">4. \uc678\ud658 \ud22c\uae30 \uc138\ub825\uc758 \uacf5\uaca9\uc5d0 \ub300\ud55c \uac15\uac74\uc131 \ubc0f \ub300\uc751\ub825<\/h3>\n\n\n\n<p>\ud558\uc774\ube0c\ub9ac\ub4dc \uc804\ub7b5\uc740 \uc678\ud658 \ud22c\uae30 \uc138\ub825\uc758 \uacf5\uaca9\uc5d0 \ub300\ud574 \ub2e8\uc77c \uc804\ub7b5\ubcf4\ub2e4 \ud6e8\uc52c \uac15\ub825\ud55c \ubc29\uc5b4 \uccb4\uacc4\ub97c \uad6c\ucd95\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>CBDC\uc758 \uc555\ub3c4\uc801\uc778 \ubc29\uc5b4\ub825:<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>\uad6d\uac00 \ubcf4\uc99d:<\/strong> \uc911\uc559\uc740\ud589\uc758 \ubb34\uc81c\ud55c \uc720\ub3d9\uc131 \uacf5\uae09 \ub2a5\ub825\uc73c\ub85c CBDC\ub294 \ud22c\uae30 \uc138\ub825\uc758 \uacf5\uaca9\uc73c\ub85c\ubd80\ud130 \uc808\ub300\uc801\uc778 \uc548\uc815\uc131\uc744 \uac00\uc9d1\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\uc9c1\uc811\uc801 \ud1b5\uc81c:<\/strong> \uc911\uc559\uc740\ud589\uc774 \uc9c1\uc811 CBDC\uc758 \ubc1c\ud589 \ubc0f \uc720\ud1b5\uc744 \ud1b5\uc81c\ud558\ubbc0\ub85c, \uc774\uc0c1 \uac70\ub798 \uc9d5\ud6c4 \ud3ec\ucc29 \uc2dc \uc989\uac01\uc801\uc778 \uac1c\uc785\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\ubbfc\uac04 \uc2a4\ud14c\uc774\ube14\ucf54\uc778\uc758 \uac15\ud654\ub41c \ubc29\uc5b4\ub825:<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>\uc5c4\uaca9\ud55c \uaddc\uc81c \ubc0f \uac10\ub3c5:<\/strong> \ud22c\uba85\ud558\uace0 \uc5c4\uaca9\ud55c \ub2f4\ubcf4 \uc790\uc0b0 \uad00\ub9ac(1:1 \uc6d0\ud654 \uc608\uae08 \ub610\ub294 \uad6d\ucc44 \ub4f1) \ubc0f \uc815\uae30\uc801\uc778 \uc678\ubd80 \uac10\uc0ac\ub97c \uc758\ubb34\ud654\ud558\uc5ec \ud22c\uae30 \uc138\ub825\uc774 \uacf5\uaca9\ud560 \uc218 \uc788\ub294 \ucde8\uc57d\uc810\uc744 \ucd5c\uc18c\ud654\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\ubc1c\ud589\uc0ac \uc694\uac74 \uac15\ud654:<\/strong> \uc2e0\ub8b0\ud560 \uc218 \uc788\ub294 \uae08\uc735\uae30\uad00\ub9cc \ubc1c\ud589\uc744 \ud5c8\uc6a9\ud558\uc5ec \ubc1c\ud589\uc0ac\uc758 \ud30c\uc0b0 \uc704\ud5d8\uc744 \uc904\uc774\uace0 \uc2dc\uc7a5 \uc2e0\ub8b0\ub3c4\ub97c \ub192\uc785\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>CBDC\ub85c\uc758 \uc548\uc804\ub9dd:<\/strong> \ubbfc\uac04 \uc2a4\ud14c\uc774\ube14\ucf54\uc778 \uc2dc\uc7a5\uc774 \uc704\ud611\ubc1b\uc744 \uacbd\uc6b0, \uc0ac\uc6a9\uc790\ub4e4\uc740 \uc5b8\uc81c\ub4e0\uc9c0 \uc548\uc804\ud55c CBDC\ub85c \uc804\ud658\ud560 \uc218 \uc788\ub2e4\ub294 \uc2ec\ub9ac\uc801, \ubb3c\ub9ac\uc801 \uc548\uc804\ub9dd\uc774 \uad6c\ucd95\ub418\uc5b4 \ub300\uaddc\ubaa8 \ubc45\ud06c\ub7f0(bank run) \ub610\ub294 \ud22c\ub9e4\ub97c \ubc29\uc9c0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\uc815\ubcf4 \ud22c\uba85\uc131:<\/strong> \ubc1c\ud589\uc0ac\uc758 \uc900\ube44\uae08 \uc0c1\ud0dc, \uac10\uc0ac \ubcf4\uace0\uc11c \ub4f1\uc744 \uc2e4\uc2dc\uac04\uc73c\ub85c \uacf5\uac1c\ud558\uc5ec \uc815\ubcf4 \ube44\ub300\uce6d\uc131\uc744 \ud574\uc18c\ud558\uace0 \ud22c\uae30 \uc138\ub825\uc774 \ud5c8\uc704 \uc815\ubcf4\ub85c \uc2dc\uc7a5\uc744 \uad50\ub780\ud558\ub294 \uac83\uc744 \uc5b4\ub835\uac8c \ub9cc\ub4ed\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">5. \ucd94\uc9c4 \uc804\ub7b5 (\ud575\uc2ec \uacfc\uc81c)<\/h3>\n\n\n\n<p>\ubcf8 \ud558\uc774\ube0c\ub9ac\ub4dc \uc804\ub7b5\uc758 \uc131\uacf5\uc801\uc778 \ucd94\uc9c4\uc744 \uc704\ud574 \ub2e4\uc74c\uacfc \uac19\uc740 \ud575\uc2ec \uacfc\uc81c\ub4e4\uc774 \ubcd1\ud589\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\ubc95\uc801\/\uc81c\ub3c4\uc801 \uae30\ubc18 \ub9c8\ub828:<\/strong>\n<ul class=\"wp-block-list\">\n<li>CBDC \ubc1c\ud589 \ubc0f \uc720\ud1b5\uc5d0 \uad00\ud55c \uba85\ud655\ud55c \ubc95\uc801 \uadfc\uac70 \ub9c8\ub828.<\/li>\n\n\n\n<li>\ubbfc\uac04 \uc6d0\ud654 \uae30\ubc18 \uc2a4\ud14c\uc774\ube14\ucf54\uc778\uc758 \ubc1c\ud589, \uc720\ud1b5, \ub2f4\ubcf4 \uad00\ub9ac, \uc0c1\ud658 \ub4f1\uc5d0 \ub300\ud55c \uba85\ud655\ud558\uace0 \uc5c4\uaca9\ud55c \uaddc\uc81c \ud504\ub808\uc784\uc6cc\ud06c \uad6c\ucd95. (\uc608: \uc804\uc790\uae08\uc735\uac70\ub798\ubc95 \uac1c\uc815, \uac00\uc0c1\uc790\uc0b0 \uad00\ub828 \ubc95\ub960 \uc81c\uc815)<\/li>\n\n\n\n<li>\uc0ac\uc6a9\uc790 \ubcf4\ud638, \ud504\ub77c\uc774\ubc84\uc2dc, \uc790\uae08\uc138\ud0c1\ubc29\uc9c0 \ub4f1 \ud3ec\uad04\uc801\uc778 \uaddc\uc81c \uac00\uc774\ub4dc\ub77c\uc778 \uc81c\uc2dc.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\uae30\uc220 \ubc0f \uc778\ud504\ub77c \uad6c\ucd95:<\/strong>\n<ul class=\"wp-block-list\">\n<li>\ud55c\uad6d\uc740\ud589\uc758 CBDC \ubc1c\ud589 \uc2dc\uc2a4\ud15c \ubc0f \uc720\ud1b5 \ub124\ud2b8\uc6cc\ud06c \uad6c\ucd95.<\/li>\n\n\n\n<li>\ubbfc\uac04 \uc2a4\ud14c\uc774\ube14\ucf54\uc778 \ubc1c\ud589\uc744 \uc704\ud55c \uc548\uc804\ud558\uace0 \ud655\uc7a5 \uac00\ub2a5\ud55c \ube14\ub85d\uccb4\uc778 \uae30\uc220 \ubc0f \uc778\ud504\ub77c \ud45c\uc900\ud654.<\/li>\n\n\n\n<li>\ub450 \ub514\uc9c0\ud138 \ud1b5\ud654 \uac04\uc758 \uc0c1\ud638 \uc6b4\uc6a9\uc131\uc744 \uc704\ud55c \uae30\uc220\uc801 \uc5f0\ub3d9 \ubc29\uc548 \ub9c8\ub828.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\uc2dc\uc7a5 \ucc38\uc5ec\uc790 \ud611\ub825 \uac15\ud654:<\/strong>\n<ul class=\"wp-block-list\">\n<li>\ud55c\uad6d\uc740\ud589, \uae08\uc735\uc704\uc6d0\ud68c, \uae08\uc735\uac10\ub3c5\uc6d0 \ub4f1 \uc815\ucc45 \ub2f9\uad6d \uac04\uc758 \uae34\ubc00\ud55c \ud611\uc758 \ubc0f \uc5ed\ud560 \ubd84\ub2f4.<\/li>\n\n\n\n<li>\uc2dc\uc911\uc740\ud589, \ud540\ud14c\ud06c \uae30\uc5c5, \ube14\ub85d\uccb4\uc778 \uae30\uc220 \uae30\uc5c5 \ub4f1 \ubbfc\uac04 \ubd80\ubb38\uc758 \uc801\uadf9\uc801\uc778 \ucc38\uc5ec \uc720\ub3c4 \ubc0f \uaddc\uc81c \uc0cc\ub4dc\ubc15\uc2a4 \ub4f1\uc744 \ud1b5\ud55c \ud601\uc2e0 \uc9c0\uc6d0.<\/li>\n\n\n\n<li>\uad6d\uc81c CBDC \ubc0f \uc2a4\ud14c\uc774\ube14\ucf54\uc778 \ub17c\uc758\uc5d0 \uc801\uadf9 \ucc38\uc5ec\ud558\uc5ec \uae00\ub85c\ubc8c \ud45c\uc900\ud654\uc5d0 \uae30\uc5ec.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\ub300\uad6d\ubbfc \ud64d\ubcf4 \ubc0f \uad50\uc721:<\/strong>\n<ul class=\"wp-block-list\">\n<li>CBDC\uc640 \ubbfc\uac04 \uc2a4\ud14c\uc774\ube14\ucf54\uc778\uc758 \uac1c\ub150, \uc7a5\uc810, \ud65c\uc6a9 \ubc29\uc548\uc5d0 \ub300\ud55c \ub300\uad6d\ubbfc \uc774\ud574\ub3c4 \uc81c\uace0.<\/li>\n\n\n\n<li>\ub514\uc9c0\ud138 \uae08\uc735 \ud658\uacbd \ubcc0\ud654\uc5d0 \ub300\ud55c \uc0ac\ud68c\uc801 \ud569\uc758 \ubc0f \uc218\uc6a9\uc131 \ud655\ubcf4.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">6. \uacb0\ub860<\/h3>\n\n\n\n<p>\ub300\ud55c\ubbfc\uad6d\uc774 \ub2e4\uac00\uc624\ub294 \ub514\uc9c0\ud138 \ud1b5\ud654 \uc2dc\ub300\uc5d0 \uad6d\uac00\uc801 \uacbd\uc7c1\ub825\uc744 \ud655\ubcf4\ud558\uace0, \ud22c\uae30 \uc138\ub825\uc758 \uc704\ud611\uc73c\ub85c\ubd80\ud130 \uae08\uc735 \uc2dc\uc2a4\ud15c\uc744 \ud6a8\uacfc\uc801\uc73c\ub85c \ubc29\uc5b4\ud558\uba70, \ub3d9\uc2dc\uc5d0 \ud601\uc2e0\uc801\uc778 \ub514\uc9c0\ud138 \uacbd\uc81c\ub97c \uacac\uc778\ud558\uae30 \uc704\ud574\uc11c\ub294 <strong>\ud558\uc774\ube0c\ub9ac\ub4dc(\ud22c \ud2b8\ub799) \uc804\ub7b5<\/strong>\uc758 \ucd94\uc9c4\uc774 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc548\uc815\uc131\uc744 \uae30\ubc18\uc73c\ub85c \ud55c CBDC\uc640 \ud601\uc2e0\uc744 \ucd94\uad6c\ud558\ub294 \ubbfc\uac04 \uc6d0\ud654 \uae30\ubc18 \uc2a4\ud14c\uc774\ube14\ucf54\uc778\uc758 \uc0c1\ud638 \ubcf4\uc644\uc801\uc778 \ubc1c\uc804\uc740 \ub300\ud55c\ubbfc\uad6d\uc744 \uae00\ub85c\ubc8c \ub514\uc9c0\ud138 \uae08\uc735\uc758 \uc120\ub3c4 \uad6d\uac00\ub85c \uc790\ub9ac\ub9e4\uae40\ud558\uac8c \ud560 \uac83\uc785\ub2c8\ub2e4. \ubcf8 \uc81c\uc548\uc11c\uac00 \ub300\ud55c\ubbfc\uad6d \ub514\uc9c0\ud138 \ud1b5\ud654 \uc0dd\ud0dc\uacc4 \uad6c\ucd95\uc744 \uc704\ud55c \uc758\ubbf8 \uc788\ub294 \ub17c\uc758\uc640 \uad6c\uccb4\uc801\uc778 \uc2e4\ud589 \uacc4\ud68d \uc218\ub9bd\uc758 \ucd08\uc11d\uc774 \ub418\uae30\ub97c \uae30\ub300\ud569\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ub300\ud55c\ubbfc\uad6d \ub514\uc9c0\ud138 \ud1b5\ud654 \uc0dd\ud0dc\uacc4 \uad6c\ucd95\uc744 \uc704\ud55c \ud558\uc774\ube0c\ub9ac\ub4dc(\ud22c \ud2b8\ub799) \uc804\ub7b5 \uc81c\uc548\uc11c 1. \uc81c\uc548 \ubc30\uacbd \ubc0f \ud544\uc694\uc131 \ub300\ud55c\ubbfc\uad6d\uc740 \uc138\uacc4\uc801\uc778 \uc815\ubcf4\ud1b5\uc2e0 \uac15\uad6d\uc774\uc790 \uae08\uc735 \ud601\uc2e0\uc744 \uc120\ub3c4\ud558\ub294 \uad6d\uac00\ub85c\uc11c, \ub514\uc9c0\ud138 \ud1b5\ud654 \uc2dc\ub300\uc758 \ub3c4\ub798\uc5d0 \uc120\uc81c\uc801\uc73c\ub85c \ub300\uc751\ud574\uc57c \ud560 \uc2dc\uc810\uc5d0 \uc640 \uc788\uc2b5\ub2c8\ub2e4. \ud604\uc7ac \uae00\ub85c\ubc8c \uae08\uc735 \uc2dc\uc7a5\uc5d0\uc11c\ub294 \uc911\uc559\uc740\ud589 \ub514\uc9c0\ud138\ud654\ud3d0(CBDC)\uc640 \ubbfc\uac04 \ubc1c\ud589 \uc2a4\ud14c\uc774\ube14\ucf54\uc778\uc5d0 \ub300\ud55c \ub17c\uc758 \ubc0f \uac1c\ubc1c\uc774 \ud65c\ubc1c\ud788 \uc9c4\ud589 \uc911\uc774\uba70, \uc774\ub294 \uae30\uc874 \ud654\ud3d0 \uc2dc\uc2a4\ud15c\uc758 \ud6a8\uc728\uc131 \uc99d\ub300\uc640 &hellip; <a href=\"https:\/\/cris.joongbu.ac.kr\/?p=635\" class=\"more-link\">\ub354 \ubcf4\uae30<span class=\"screen-reader-text\"> &#8220;\ub514\uc9c0\ud138 \ud1b5\ud654 \uc0dd\ud0dc\uacc4 \uad6c\ucd95&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-635","post","type-post","status-publish","format-standard","hentry","category-essay"],"_links":{"self":[{"href":"https:\/\/cris.joongbu.ac.kr\/index.php?rest_route=\/wp\/v2\/posts\/635","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cris.joongbu.ac.kr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cris.joongbu.ac.kr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cris.joongbu.ac.kr\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/cris.joongbu.ac.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=635"}],"version-history":[{"count":0,"href":"https:\/\/cris.joongbu.ac.kr\/index.php?rest_route=\/wp\/v2\/posts\/635\/revisions"}],"wp:attachment":[{"href":"https:\/\/cris.joongbu.ac.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=635"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cris.joongbu.ac.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=635"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cris.joongbu.ac.kr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=635"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}