{"id":17956,"date":"2024-09-19T17:21:33","date_gmt":"2024-09-19T22:21:33","guid":{"rendered":"https:\/\/bolttech.io\/insight\/%ec%a3%bc%ed%83%9d-%ec%86%8c%ec%9c%a0-%eb%8f%99%ed%96%a5-%ed%98%84%eb%8c%80-%ed%83%9c%eb%8f%84%ea%b0%80-p-c-%ec%9a%b4%ec%86%a1-%ec%97%85%ec%b2%b4%ec%97%90-%ec%9d%98%eb%af%b8%ed%95%98%eb%8a%94\/"},"modified":"2024-09-19T17:21:40","modified_gmt":"2024-09-19T22:21:40","slug":"%ec%a3%bc%ed%83%9d-%ec%86%8c%ec%9c%a0-%eb%8f%99%ed%96%a5-%ed%98%84%eb%8c%80-%ed%83%9c%eb%8f%84%ea%b0%80-p-c-%ec%9a%b4%ec%86%a1-%ec%97%85%ec%b2%b4%ec%97%90-%ec%9d%98%eb%af%b8%ed%95%98%eb%8a%94","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/ko\/insights\/%ec%a3%bc%ed%83%9d-%ec%86%8c%ec%9c%a0-%eb%8f%99%ed%96%a5-%ed%98%84%eb%8c%80-%ed%83%9c%eb%8f%84%ea%b0%80-p-c-%ec%9a%b4%ec%86%a1-%ec%97%85%ec%b2%b4%ec%97%90-%ec%9d%98%eb%af%b8%ed%95%98%eb%8a%94\/","title":{"rendered":"\uc8fc\ud0dd \uc18c\uc720 \ub3d9\ud5a5 : \ud604\ub300 \ud0dc\ub3c4\uac00 P &C \uc6b4\uc1a1 \uc5c5\uccb4\uc5d0 \uc758\ubbf8\ud558\ub294 \uac83"},"content":{"rendered":"\n

\uc218\uc2ed \ub144 \uc804\ub9cc \ud574\ub3c4 \uc804\ud615\uc801\uc778 \ubbf8\uad6d \uac00\uc815\uc758 \ubaa8\uc2b5\uc740 \ub450 \ubd80\ubaa8, 2.3\uba85\uc758 \uc790\ub140, \uac1c \ud55c \ub9c8\ub9ac, \uadf8\ub9ac\uace0 \uaf43\ubc2d\uacfc \uc6b8\ud0c0\ub9ac\uac00 \uc788\ub294 \uc9d1\uc73c\ub85c \uad6c\uc131\ub418\uc5c8\ub2e4.<\/p>\n\n

\ubd80\ub3d9\uc0b0 \ubc0f \uc784\ub300\ub8cc \uc0c1\uc2b9, \uc815\ucc29\uc5d0 \ub300\ud55c \ud0dc\ub3c4 \ubcc0\ud654, 2008\ub144 \uacbd\uae30 \uce68\uccb4\ub85c \uc8fc\ud0dd \uc2dc\uc7a5\uc774 \ubd95\uad34\ub41c \ud6c4 \uc18c\uc720\uad8c\uc5d0 \ub300\ud55c \ud68c\uc758\ub860 \ub4f1 \uc5ec\ub7ec \uc694\uc778\uc774 \uacb0\ud569\ub418\uc5b4 \uc774\ub7ec\ud55c \ube44\uc804\uc740 \uc624\ub298\ub0a0\uc758 \uc80a\uc740\uc774\ub4e4\uc5d0\uac8c \ubc18\ud5a5\uc744 \uc77c\uc73c\ud0a4\uc9c0 \ubabb\ud569\ub2c8\ub2e4.<\/p>\n\n

\ud55c \uac00\uc9c0 \ud070 \uc774\uc720\ub294 \uc8fc\ud0dd \uc18c\uc720 \ud2b8\ub80c\ub4dc\uac00 \ubcc0\ud654\ud558\uace0 \uc788\uace0 \uc8fc\ud0dd\uc744 \uad6c\uc785\ud558\ub294 \uac83\uc774 \uc218\uc2ed \ub144 \uc804\ucc98\ub7fc \uc80a\uc740\uc774\ub4e4\uc5d0\uac8c \uc790\uc5f0\uc2a4\ub7ec\uc6b4 \ub2e8\uacc4\uac00 \uc544\ub2c8\ub77c\ub294 \uac83\uc785\ub2c8\ub2e4.\n \uc2e4\uc81c\ub85c \ud4e8 \ub9ac\uc11c\uce58(Pew Research<\/a> )\ub294 \uc9c0\ub09c 50\ub144 \ub3d9\uc548 \uadf8 \uc5b4\ub290 \ub54c\ubcf4\ub2e4\ub3c4 \ub354 \ub9ce\uc740 \ubbf8\uad6d \uac00\uad6c\uac00 \ud604\uc7ac \uc784\ub300\ud558\uace0 \uc788\ub2e4\ub294 \uc0ac\uc2e4\uc744 \ubc1c\uacac\ud588\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\ubbf8\uad6d \uc8fc\ud0dd \uc18c\uc720 \ucd94\uc138\uac00 \uc5b4\ub5bb\uac8c \ubcc0\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\uae4c?<\/h2>\n\n

\uc778\uad6c\uc870\uc0ac\uad6d\uc758 \uc790\ub8cc\uc5d0 \ub530\ub974\uba74 2016\ub144 \uc8fc\ud0dd \uc18c\uc720\uc728\uc740 50\ub144 \ub9cc\uc5d0 \ucd5c\uc800\uce58\ub85c \ub5a8\uc5b4\uc84c\uc73c\uba70, \uc778\uad6c\uc758 63%\ub9cc\uc774 \uc8fc\ud0dd\uc744 \uc18c\uc720\ud558\uace0 \uc788\uc5c8\ub2e4.\n\uc774\ub294 2005\ub144 70%\uc758 \uc815\uc810\uc5d0 \ube44\ud574 \uac10\uc18c\ud55c \uac83\uc73c\ub85c, \ud604\uc7ac \uc6b0\ub9ac\uac00 \uc54c\uace0 \uc788\ub294 \ubc14\ub85c\ub294 \uc774\ub294 2008\ub144 \uacbd\uae30 \uce68\uccb4\uc5d0 \uad81\uadf9\uc801\uc73c\ub85c \uae30\uc5ec\ud55c \uc11c\ube0c\ud504\ub77c\uc784 \ub300\ucd9c \ub355\ubd84\uc774\uc5c8\ub2e4. <\/p>\n\n

\uc8fc\ud0dd \uc18c\uc720\uc728\uc740 2016\ub144 \uc800\uc810\uc5d0\uc11c \uc11c\uc11c\ud788 \uc0c1\uc2b9\ud558\uace0 \uc788\ub294\ub370, \uacbd\uc81c\ud559\uc790 \ub784\ud504 \ub9e5\ub7ec\ud50c\ub9b0(Ralph McLaughlin<\/a> )\uc740 \uc8fc\ud0dd \ubd95\uad34\uc758 \ud53c\ud574\uac00 \uadf8 \uc9c4\ub85c\ub97c \uc5ed\uc804\uc2dc\ud0a4\uae30 \uc2dc\uc791\ud588\uae30 \ub54c\ubb38\uc774\ub77c\uace0 \uc9c0\uc801\ud55c\ub2e4.\n\uadf8\ub7fc\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc624\ub298\ub0a0\uc758 \uc80a\uc740\uc774\ub4e4\uc740 \uadf8\ub4e4\uc758 \ubd80\ubaa8\ub4e4\uc774 \uac19\uc740 \ub098\uc774\uc758 \ubd80\ubaa8\ub4e4\ubcf4\ub2e4 \uc8fc\ud0dd\uc744 \uc18c\uc720\ud560 \uac00\ub2a5\uc131\uc774 \ub354 \ub0ae\ub2e4\uace0 \uc2a4\ud0e0\ud3ec\ub4dc \uc7a5\uc218 \uc13c\ud130\uc758 \ud0c0\ub9c8\ub77c \uc2ec\uc2a4(Tamara Sims<\/a> )\uc640 \ub3d9\ub8cc\ub4e4\uc758 \uc5f0\uad6c\uc5d0 \ub530\ub974\uba74 \uadf8\ub807\ub2e4.\n30\uc138\uc5d0 \uc8fc\ud0dd\uc744 \uc18c\uc720\ud55c \ubca0\uc774\ube44\ubd90 \uc138\ub300\uc758 \ube44\uc728\uc740 49%\uc600\ub2e4.\n\ubc00\ub808\ub2c8\uc5bc \uc138\ub300\uc758 \uacbd\uc6b0 \uc774 \uc218\uce58\ub294 36%\uc785\ub2c8\ub2e4. <\/p>\n\n

\"\"<\/figure>\n\n

\uc9c0\uae08 \uc8fc\ud0dd\uc744 \uc18c\uc720\ud55c \uc0ac\ub78c\uc774 \uc904\uc5b4\ub4dc\ub294 \uc774\uc720\ub294 \ubb34\uc5c7\uc785\ub2c8\uae4c?<\/h2>\n\n

\uc9c0\ub09c \uc218\uc2ed \ub144 \ub3d9\uc548 \uc8fc\ud0dd \uc18c\uc720 \ucd94\uc138\uac00 \ubcc0\ud654\ud55c \uc774\uc720\ub294 \ub2e4\uc591\ud558\uace0 \ub2e4\uce35\uc801\uc785\ub2c8\ub2e4.<\/p>\n\n

CNBC \uae30\uc790 \uc560\ub2c8 \ub178\ubc14(Annie Nova<\/a>)\ub294 \uadf8 \uc774\uc720 \uc911 \ud558\ub098\uac00 \uacb0\ud63c, \uc790\ub140 \ucd9c\uc0b0, \uac00\uc815\uc5d0 \uc815\ucc29\ud558\ub294 \uac83\uc5d0 \ub300\ud55c \ubb38\ud654\uc801 \ud0dc\ub3c4\uc758 \ubcc0\ud654\ub77c\uace0 \uc9c0\uc801\ud55c\ub2e4.\n\ud4e8 \ub9ac\uc11c\uce58 \uc13c\ud130\uc758 \uc790\ub8cc\uc5d0 \ub530\ub974\uba74 \uc0ac\ub78c\ub4e4\uc774 \uacb0\ud63c\ud558\ub294 \ud3c9\uade0 \uc5f0\ub839\uc774 \ub192\uc544\uc9c0\uace0 \uc788\ub2e4: 1960\ub144\uc5d0\ub294 72%\uc600\ub358 18\uc138 \uc774\uc0c1 \uc778\uad6c\uc758 51%\ub9cc\uc774 2010\ub144\uc5d0 \uacb0\ud63c\ud588\ub2e4.\n\uacb0\ud63c\uc740 \uc624\ub7ab\ub3d9\uc548 \ub3d9\uac70\uc640 \uac19\uc740 \uc120\ud0dd\uc5d0 “\uc2dc\uc7a5 \uc810\uc720\uc728”\uc744 \ube7c\uc557\uaca8 \uc654\ub2e4\uace0 \uc5f0\uad6c\uc790 \ub4dc\ubca0\ub77c \ucf58(D’Vera Cohn<\/a> )\uc740 \uc9c0\uc801\ud55c\ub2e4.\n\ub9ce\uc740 \uc80a\uc740\uc774\ub4e4\uc5d0\uac8c \uc7a5\uae30\uc801 \uc548\uc815\uc774 \ubc18\ub4dc\uc2dc \ubc30\uc6b0\uc790, \uc790\ub140, \uac00\uc815\uc744 \uc758\ubbf8\ud558\ub294 \uac83\uc740 \uc544\ub2c8\ub2e4. <\/p>\n\n

\uc784\ub300\ub8cc \ubd80\ub2f4\uc740 \uc0ac\ub78c\ub4e4\uc774 \uc8fc\ud0dd \uc18c\uc720\ub97c \uc8fc\uc800\ud558\ub294 \ub610 \ub2e4\ub978 \uc694\uc778\uc774\ub77c\uace0 Pew Charitable Trusts\ub294 \ub9d0\ud569\ub2c8\ub2e4.\n2015\ub144\uc5d0\ub294 \uc138\uc785\uc790 \uac00\uad6c\uc758 3\ubd84\uc758 1 \uc774\uc0c1\uc774 “\uc784\ub300\ub8cc \ubd80\ub2f4”\uc744 \uacaa\uc5c8\ub294\ub370, \uc774\ub294 \uc138\uc785\uc790\uac00 \uc138\uc804 \uc18c\ub4dd\uc758 30% \uc774\uc0c1\uc744 \uc8fc\uac70\ube44\ub85c \uc9c0\ucd9c\ud588\ub2e4\ub294 \uac83\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4.\n\uc774\ub294 2001\ub144\uc5d0 \ube44\ud574 19% \uc99d\uac00\ud55c \uc218\uce58\uc785\ub2c8\ub2e4.\n\ud4e8 \ub9ac\uc11c\uce58 \uc13c\ud130\uc758 \uc5d0\ub9b0 \ucee4\ub9ac\uc5b4(Erin Currier<\/a> )\ub294 \uac1c\uc778\uc758 \uc18c\ub4dd \uc911 \ub9ce\uc740 \ubd80\ubd84\uc774 \uc784\ub300\ub8cc\ub85c \uc9c0\ucd9c\ub420 \ub54c, \uc8fc\ud0dd \uacc4\uc57d\uae08\uc744 \ub9c8\ub828\ud558\uae30 \uc704\ud574 \ucda9\ubd84\ud788 \uc800\ucd95\ud558\ub294 \uac83\uc774 \ubd88\uac00\ub2a5\ud560 \uc218 \uc788\ub2e4\uace0 \uc9c0\uc801\ud55c\ub2e4. <\/p>\n\n

\ud76c\ub9dd\uc801\uc778 \uc8fc\ud0dd \uc18c\uc720\uc790\uc758 \ubc1c\ubaa9\uc744 \uc7a1\ub294 \uac83\uc740 \ub192\uc740 \uc784\ub300\ub8cc\ub9cc\uc774 \uc544\ub2d9\ub2c8\ub2e4.\n\ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc774 \ub610\ud55c \uc0c1\ub2f9\ud55c \ud559\uc790\uae08 \ube5a\uc5d0 \uc2dc\ub2ec\ub9ac\uace0 \uc788\uc2b5\ub2c8\ub2e4.\n\uc804\ubbf8\ubd80\ub3d9\uc0b0\uc911\uac1c\uc778\ud611\ud68c(NAR)\uc640 \ube44\uc601\ub9ac \ub2e8\uccb4\uc778 \ubbf8\uad6d \ud559\uc0dd \uc9c0\uc6d0(American Student Assistance)\uc758 2017\ub144 \uacf5\ub3d9 \uc5f0\uad6c\uc5d0 \ub530\ub974\uba74 \ud559\uc790\uae08 \ubd80\ucc44 \ubd80\ub2f4\uc73c\ub85c \uc778\ud574 \ubc00\ub808\ub2c8\uc5c4 \uc138\ub300\uc758 \uc8fc\ud0dd \uc18c\uc720\uac00 7\ub144 \uc9c0\uc5f0\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.\nNAR\uc758 \uc218\uc11d \uc774\ucf54\ub178\ubbf8\uc2a4\ud2b8\uc778 \ub85c\ub80c\uc2a4 \uc724(Lawrence Yun<\/a>)\uc740 \uc774 \ubd80\ub2f4\uc744 “\ubc00\ub808\ub2c8\uc5c4 \uc138\ub300\uc758 \uc8fc\ud0dd \uc120\ud0dd\uacfc \uae30\ud0c0 \uc8fc\uc694 \uc0b6\uc758 \uacb0\uc815\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294 \uc7ac\uc815\uc801, \uc815\uc11c\uc801 \ube44\uc6a9”\uc774\ub77c\uace0 \ubd80\ub978\ub2e4. <\/p>\n\n

\uc8fc\ud0dd \uc18c\uc720\uc758 \uac00\uce58\ub97c \uc7ac\ud3c9\uac00\ud558\ub294 \uc80a\uc740 \uc18c\ube44\uc790\ub4e4<\/h2>\n\n

\ube5a\uc5d0 \uc5bd\ub9e4\uc774\uc9c0 \uc54a\uace0 \uacc4\uc57d\uae08\uc744 \ub0bc \uc218 \uc788\ub294 \ud604\uae08\uc774 \uc788\ub354\ub77c\ub3c4 \ub9ce\uc740 \uc7a0\uc7ac\uc801 \uc8fc\ud0dd \uc18c\uc720\uc790\ub4e4\uc740 \ubd80\ub3d9\uc0b0 \ud22c\uc790\uc5d0 \uc218\ubc18\ub418\ub294 \uc704\ud5d8\uc744 \uac10\uc218\ud558\ub294 \uac83\uc744 \uc8fc\uc800\ud569\ub2c8\ub2e4.\nRedfin\uc758 \uc5f0\uad6c\uc5d0 \ub530\ub974\uba74 55\uc138 \uc774\uc0c1\uc758 \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \ubd80\ub3d9\uc0b0\uc740 \uc804\ud600 \uc704\ud5d8\uc73c\ub85c \uac04\uc8fc\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.\n\uadf8\ub7ec\ub098 35-44\uc138 \uc5f0\ub839\ub300\uc758 \uc0ac\ub78c\ub4e4 \uc911 \uc808\ubc18 \uc774\uc0c1\uc5d0\uac8c\ub294 \uc8fc\uc2dd\uc774 \ub354 \uc548\uc804\ud55c \uc120\ud0dd\uc73c\ub85c \uc5ec\uaca8\uc9c4\ub2e4\uace0 \ub808\ub4dc\ud540\uc758 \uc218\uc11d \uc774\ucf54\ub178\ubbf8\uc2a4\ud2b8\uc778 \ub300\ub9b4 \ud398\uc5b4\uc6e8\ub354<\/a>\ub294 \ub9d0\ud55c\ub2e4.\n\uc774\ub294 \uc8fc\ud0dd\uc2dc\uc7a5\uc774 \ubd95\uad34\ud558\ub294 \ub3d9\uc548 20\ub300 \ud6c4\ubc18\uacfc 30\ub300 \ucd08\ubc18\uc744 \ubcf4\ub0b8 \uacb0\uacfc\uc77c \uac00\ub2a5\uc131\uc774 \ub192\ub2e4\uace0 \ud398\uc5b4\uc6e8\ub354\ub294 \uc124\uba85\ud588\ub2e4. <\/p>\n\n

\uc774\ub294 \uc0c8 \uc8fc\ud0dd\uc5d0 \ud22c\uc790\ud558\uae30 \uc804\uc5d0 \ub9ce\uc740 \ubc00\ub808\ub2c8\uc5bc \uc138\ub300\uc640 X\uc138\ub300\uac00 \uc2e4\ud328\ud55c \uc2dc\uc7a5\uc5d0 \ub300\ud55c \ud68c\uc758\ub860\uc744 \uadf9\ubcf5\ud574\uc57c \ud55c\ub2e4\ub294 \uac83\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4.<\/p>\n\n

\uadf8\ub7ec\ub098 \ub2e4\ub978 NAR \uc5f0\uad6c\uc5d0 \ub530\ub974\uba74 \ubbf8\uad6d\uc778\uc758 84%\uac00 \uc8fc\ud0dd \uad6c\uc785\uc774 \uc88b\uc740 \uc7ac\uc815\uc801 \uacb0\uc815\uc774\ub77c\uace0 \uc0dd\uac01\ud569\ub2c8\ub2e4.\n\uc774\ud574\ud560 \uc218 \uc788\ub294 \uc758\uad6c\uc2ec\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \ub300\ub2e4\uc218\uc758 \uc0ac\ub78c\ub4e4\uc740 \uc5ec\uc804\ud788 \uc5b8\uc820\uac00 \uc790\uc2e0\uc758 \uc9d1\uc744 \uac16\uae30\ub97c \uc5f4\ub9dd\ud55c\ub2e4\uace0 NAR \ud68c\uc7a5 \uc70c\ub9ac\uc5c4 \ube0c\ub77c\uc6b4<\/a>\uc740 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n

\"\"<\/figure>\n\n

\uc774\ub7ec\ud55c \uc8fc\ud0dd \uc18c\uc720 \ucd94\uc138\ub294 \ubcf4\ud5d8\uc0ac\uc5d0 \uc5b4\ub5a4 \uc758\ubbf8\uac00 \uc788\uc2b5\ub2c8\uae4c?<\/h2>\n\n

\ubcf4\ud5d8\uc0ac\ub4e4\uc5d0\uac8c \uc88b\uc740 \uc18c\uc2dd\uc774 \uc788\uc2b5\ub2c8\ub2e4: \uc8fc\ud0dd \uc2dc\uc7a5\uc740 \uc0c8\ub85c\uc6b4 \uad6c\ub9e4\uc790\ub4e4\uc5d0\uac8c \uc8fc\ud0dd \uc18c\uc720\uc5d0 \ub300\ud55c \uc758\uad6c\uc2ec\uc744 \uadf9\ubcf5\ud560 \uc218 \uc788\ub294 \ud655\uc2e4\ud55c \uc774\uc720\ub97c \uc81c\uacf5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n

\ub9ce\uc740 \ubbf8\uad6d \ub300\ud615 \uc2dc\uc7a5\uc758 \ubd80\ub3d9\uc0b0 \uac00\uaca9\uc740 \uc0c8\ub85c\uc6b4 \uad6c\ub9e4\uc790\uac00 \uc5bb\uc744 \uc218 \uc5c6\ub294 \uc0c1\ud0dc\ub85c \ub0a8\uc544 \uc788\uc9c0\ub9cc \ubbf8\uad6d\uc758 \ub2e4\ub978 \uc9c0\uc5ed\uc5d0\ub294 \uc88b\uc740 \uac70\ub798\uac00 \ub9ce\uc774 \uc788\uc2b5\ub2c8\ub2e4.\n\uc8fc\ud0dd \uc18c\uc720\uc728\uc740 2018\ub144 3\ubd84\uae30\uc5d0 64.4%\ub85c \uce58\uc19f\uc558\ub2e4\uace0 Genworth Mortgage Insurance\uc758 \uc218\uc11d \uc774\ucf54\ub178\ubbf8\uc2a4\ud2b8\uc778 Tian Liu<\/a>\ub294 \ub9d0\ud569\ub2c8\ub2e4.\n\uc778\uad6c \uc870\uc0ac\uad6d\uc758 \ub370\uc774\ud130\uc5d0 \ub530\ub974\uba74 \uc99d\uac00\ub294 \uccab \uc8fc\ud0dd \uad6c\uc785\uc790\uc5d0 \uc758\ud574 \uc8fc\ub3c4\ub418\uc5c8\uc2b5\ub2c8\ub2e4. <\/p>\n\n

Liu\ub294 \uc774\uac83\uc774 \ucd94\uc138\ub97c \ub098\ud0c0\ub0b8\ub2e4\uace0 \ub9d0\ud569\ub2c8\ub2e4.\n\ub300\ubd80\ubd84\uc758 \uc0ac\ub78c\ub4e4\uc740 \uad6c\ub9e4\ud560 \uc5ec\uc720\uac00 \uc788\uc744 \ub54c\uae4c\uc9c0 \uc784\ub300\ud560 \uac83\uc785\ub2c8\ub2e4.\n\ub530\ub77c\uc11c \ub354 \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc774 \uc8fc\ud0dd\uc744 \uad6c\uc785\ud560 \uc218 \uc788\uac8c \ub418\uba74 \ub354 \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc774 \uc8fc\ud0dd\uc744 \uad6c\uc785\ud558\uac8c \ub420 \uac83\uc785\ub2c8\ub2e4. <\/p>\n\n

\uc774\ub294 \ubcf4\ud5d8\uc0ac\uc640 \uc8fc\ud0dd \uc18c\uc720\uc790 \ubcf4\ud5d8 \uc0c1\ud488 \ub77c\uc778\uc5d0 \uc88b\uc740 \uc18c\uc2dd\uc785\ub2c8\ub2e4.\n\ud2b9\ud788, \ucd5c\ucd08 \uc8fc\ud0dd \uad6c\uc785\uc790\uc758 \uc720\uc785\uc740 \uc0c8\ub85c\uc6b4 \uc138\ub300\uc758 \uc8fc\ud0dd \uc18c\uc720\uc790\uac00 \uc790\uc2e0\uacfc \ud22c\uc790\ub97c \ubcf4\ud638\ud560 \uc218 \uc788\ub3c4\ub85d \ub3d5\uace0\uc790 \ud558\ub294 \ubcf4\ud5d8 \uc81c\uacf5\uc5c5\uccb4\uc5d0\uac8c \uae30\ud68c\ub97c \uc758\ubbf8\ud569\ub2c8\ub2e4. <\/p>\n\n

\uc774\ub7ec\ud55c \uc138\ub300\uc758 \uc8fc\ud0dd \uc18c\uc720\uc790\uc640 \uc5f0\uacb0\ud558\uae30 \uc704\ud574 \uc6b4\uc1a1\uc5c5\uccb4\ub294 \ub450 \uac00\uc9c0 \uc911\uc694\ud55c \uc0ac\ud56d\uc744 \uc5fc\ub450\uc5d0 \ub450\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n

1. \uc138\uc785\uc790 \ubcf4\ud5d8\uc744 \uc18c\ud640\ud788 \ud558\uc9c0 \ub9c8\uc138\uc694<\/h3>\n\n

\uacf5\uae09\uc790\ub294 \ub610\ud55c 2.3 \uc544\uc774\ub4e4\uacfc \ud53c\ucf13 \uc6b8\ud0c0\ub9ac \ube44\uc804\uc744 \uc2a4\uc2a4\ub85c \ubc97\uc5b4\ub358\uc9d0\uc73c\ub85c\uc368 \uc0c8\ub85c\uc6b4 \uace0\uac1d\uc5d0\uac8c \ub2e4\uac00\uac08 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\uc624\ub298\ub0a0 \ub300\ud559-\uc9c1\uc5c5-\uacb0\ud63c-\uc8fc\ud0dd \uc18c\uc720\uc758 \uc9c1\uc120 \uacbd\ub85c\ub97c \ub530\ub974\ub294 \uc0ac\ub78c\uc740 \uac70\uc758 \uc5c6\uc2b5\ub2c8\ub2e4.\n\ub300\uc2e0, \uc0ac\ub78c\ub4e4\uc740 \uc9d1\uc744 \uc0ac\ub294 \uac83\uc774 \uc120\ud0dd \uc0ac\ud56d\uc774 \ub420 \ub54c\uae4c\uc9c0 \uc9d1\uc744 \uc784\ub300\ud569\ub2c8\ub2e4. <\/p>\n\n

\uadf8\ub807\uae30 \ub54c\ubb38\uc5d0 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc0c1\ub300\uc801\uc73c\ub85c \uacbd\uc7c1\uc774 \uce58\uc5f4\ud560 \uc218 \uc788\ub294 \uc0c1\ud488 \uce74\ud14c\uace0\ub9ac\uc778 \uc784\ucc28\uc778 \ubcf4\ud5d8 \ub77c\uc778\uc744 \uba74\ubc00\ud788 \uac80\ud1a0\ud574\uc57c \ud569\ub2c8\ub2e4.\nORC International\uc774 \uc2e4\uc2dc\ud55c 2016\ub144 \ubcf4\ud5d8 \uc815\ubcf4 \uc5f0\uad6c\uc18c<\/a> \uc5ec\ub860 \uc870\uc0ac\uc5d0 \ub530\ub974\uba74 \uc8fc\ud0dd \uc18c\uc720\uc790\uc758 93%\uac00 \uc8fc\ud0dd\uc5d0 \ub300\ud55c \ubcf4\ud5d8\uc5d0 \uac00\uc785\ub418\uc5b4 \uc788\uc9c0\ub9cc \uc138\uc785\uc790\uc758 41%\ub9cc\uc774 \uc790\uc2e0\uc758 \ubd80\ub3d9\uc0b0\uc5d0 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4.\n\uadf8\uac83\uc740 \ud14c\uc774\ube14 \uc704\uc5d0 \ub9ce\uc740 \ub3c8\uc774 \ub0a8\uc544 \uc788\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4. <\/p>\n\n

\ub610\ud55c \uc138\uc785\uc790 \ubcf4\ud5d8\uc740 \uc81c\uacf5\uc790\uac00 \uc911\uc694\ud55c \uace0\uac1d \uad00\uacc4\ub97c \uad6c\ucd95\ud560 \uc218 \uc788\ub294 \uacbd\ub85c\ub97c \ub9cc\ub4e4\uc5b4 \uc8fc\uba70, \uc774\ub7ec\ud55c \uad00\uacc4\ub294 \uc8fc\ud0dd \uc18c\uc720\uac00 \uc635\uc158\uc774 \ub418\uae30 \ud6e8\uc52c \uc804\uc5d0 \ud615\uc131\ub429\ub2c8\ub2e4.\n \uadf8\ub807\uae30 \ub54c\ubb38\uc5d0 Maxine Rieman<\/a> \uc774 Forbes\uc5d0 \uae30\uace0\ud55c \uac83\ucc98\ub7fc \ud1b5\uc2e0\uc0ac\uac00 \uc81c\ud488\uc744 \ub9c8\ucf00\ud305\ud560 \ub54c \ud575\uac00\uc871\uc774 \uc544\ub2cc \uac1c\uc778 \uc18c\ube44\uc790\ub97c \ub300\uc0c1\uc73c\ub85c \ud558\ub294 \uac83\uc774 \ud569\ub9ac\uc801\uc785\ub2c8\ub2e4.\n\uc624\ub298\uc758 \uc138\uc785\uc790 \ubcf4\ud5d8 \uace0\uac1d\uc740 \ub0b4\uc77c\uc758 \uc8fc\ud0dd \uc18c\uc720\uc790 \ubcf4\ud5d8 \uace0\uac1d\uc774 \ub420 \uc218 \uc788\uc9c0\ub9cc, \uadf8 \uc0ac\ub78c\uc740 \uadf8 \uc9d1\uc744 \uc5b4\ub9b0\uc774\uc640 \uc560\uc644 \ub3d9\ubb3c\ub85c \ucc44\uc6b0\ub294 \uac83\uc744 \uc0c1\uc0c1\ud558\uc9c0 \uc54a\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uc774 \uc810\uc744 \uc774\ud574\ud558\ub294 \uc6b4\uc1a1\uc5c5\uccb4\ub294 \ucda9\uc131\ub3c4 \ub192\uc740 \uc80a\uc740 \uace0\uac1d \uae30\ubc18\uc744 \uad6c\ucd95\ud560 \uc218 \uc788\ub294 \ud6e8\uc52c \ub354 \ub098\uc740 \uc704\uce58\uc5d0 \uc788\uc73c\uba70, \uad81\uadf9\uc801\uc73c\ub85c \ud574\ub2f9 \uace0\uac1d\uc774 \uc784\ucc28\uc778\uc5d0\uc11c \uc8fc\ud0dd \uc18c\uc720\uc790\ub85c \uc804\ud658\ud560 \ub54c \ub3c4\uc6c0\uc744 \uc904 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n

2. \uc80a\uc740 \uace0\uac1d\uc744 \uc704\ud55c \ub514\uc9c0\ud138 \ucc44\ub110 \ucd5c\uc801\ud654<\/h3>\n\n

PropertyCasualty360.com \uc758 \ub370\ub2c8 \uc81c\uc774\ucf65(Denny Jacob)<\/a> \uc740 “\ud1b5\uc2e0\uc0ac\uc758 \uacbd\uc6b0 \uae30\uc5b5\ud574\uc57c \ud560 \uc911\uc694\ud55c \uc810\uc740 \uc774\ub7ec\ud55c \uace0\uac1d\ub4e4\uc774 \uc138\ub828\ub41c \ub514\uc9c0\ud138 \uc0ac\uc6a9\uc790 \uacbd\ud5d8\uacfc \ud568\uaed8 \uc27d\uace0 \uac04\uc18c\ud654\ub41c \uc11c\ube44\uc2a4\ub97c \uae30\ub300\ud55c\ub2e4\ub294 \uac83”\uc774\ub77c\uace0 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n\n

\ube0c\ub81b \ud0c0\ubc14\ub178(Brett Tabano<\/a>)\ub3c4 PropertyCasualty360.com \uc5d0 \uae30\uace0\ud55c \uae00\uc5d0\uc11c \uc80a\uc740 \uc8fc\ud0dd \uad6c\uc785\uc790\ub4e4\uc740 \ud734\ub300\uc804\ud654\ub97c \uc190\uc5d0 \ub4e4\uace0 \uc790\ub790\uc73c\uba70, \uc5b8\uc81c \uc5b4\ub514\uc11c\ub098 \ud544\uc694\ud560 \ub54c \ubcf4\ud5d8 \uc815\ubcf4\uc5d0 \uc811\uadfc\ud560 \uc218 \uc788\uae30\ub97c \uae30\ub300\ud55c\ub2e4\uace0 \uc9c0\uc801\ud588\ub2e4.<\/p>\n\n

\uc6b4\uc1a1\uc5c5\uccb4\uac00 \uc774\ub7ec\ud55c \uace0\uac1d \ud0dc\ub3c4\ub97c \ud65c\uc6a9\ud560 \uc218 \uc788\ub294 \uae30\ud68c\ub294 \ubb34\uad81\ubb34\uc9c4\ud569\ub2c8\ub2e4.\n Cari Sommer<\/a> \uac00 Forbes\uc5d0 \uae30\uace0\ud55c \uae00\uc5d0 \ub530\ub974\uba74 \uc8fc\ud0dd \uc18c\uc720\uc790 \ubcf4\ud5d8\uc740 1,000\uc5b5 \ub2ec\ub7ec \uaddc\ubaa8\uc758 \uc0ac\uc5c5\uc774\uc9c0\ub9cc \uc628\ub77c\uc778\uc73c\ub85c \ud310\ub9e4\ub418\ub294 \ubcf4\ud5d8\uc740 6%\uc5d0 \ubd88\uacfc\ud569\ub2c8\ub2e4. <\/p>\n\n

\uc778\ub0b4\uc2ec\uc740 \uc624\ub298\ub0a0 \uc8fc\ud0dd \uc18c\uc720\uc790 \ubcf4\ud5d8\uc744 \ub9c8\ucf00\ud305\ud560 \ub54c \uc911\uc694\ud569\ub2c8\ub2e4<\/h2>\n\n

\ubc00\ub808\ub2c8\uc5bc \uc138\ub300\ub294 \uc131\uc778 \uc778\uad6c\uc5d0\uc11c \uac00\uc7a5 \ud070 \ubd80\ubd84\uc744<\/a> \ucc28\uc9c0\ud560 \uac83\uc785\ub2c8\ub2e4.<\/p>\n\n

\uc774 \uc138\ub300\ub294 \ubd80\ubaa8\ub2d8\uc774 \ub300\uacf5\ud669 \uae30\uac04 \ub3d9\uc548 \uc5b4\ub824\uc6c0\uc744 \uacaa\ub294 \uac83\uc744 \ubcf4\uc558\uace0, \uc774\ub85c \uc778\ud574 \uc7ac\uc815\uc801\uc73c\ub85c \uc870\uc2ec\uc2a4\ub7fd\uc2b5\ub2c8\ub2e4.\n\ub354\uc6b1\uc774 \uadf8\ub4e4\uc740 \ud604\uc9c0 \uc804\ubb38\uac00\uc758 \uc804\ubb38 \uc9c0\uc2dd\uc5d0 \uc758\uc874\ud558\ub294 \uac83\ubcf4\ub2e4 \uc628\ub77c\uc778 \uad6c\ub9e4 \ub0b4\uc5ed\uc744 \uc870\uc0ac\ud558\uace0, \uac00\uaca9\uc744 \ube44\uad50\ud558\uace0, \uc0ac\uc6a9\uc790 \ub9ac\ubdf0\ub97c \uc77d\ub294 \ub370 \ud6e8\uc52c \ub354 \uc775\uc219\ud569\ub2c8\ub2e4. <\/p>\n\n

\uc190\ud574\ubcf4\ud5d8\uc0ac\ub294 \uc774\ucc98\ub7fc \uc80a\uace0 \ud1b5\ucc30\ub825 \uc788\ub294 \uc18c\ube44\uc790\uc640 \uc18c\ud1b5\ud558\uae30 \uc704\ud574 \uc0c1\ud488\uacfc \ub9c8\ucf00\ud305 \uc804\ub7b5\uc744 \uc870\uc815\ud574\uc57c \ud569\ub2c8\ub2e4.\n\ubc00\ub808\ub2c8\uc5c4 \uc138\ub300\ub294 \uc774\uc804 \uc138\ub300\ubcf4\ub2e4 \uccab \uc8fc\ud0dd\uc744 \uad6c\uc785\ud558\ub294 \ub370 \uc870\uae08 \ub354 \ub9ce\uc740 \uc2dc\uac04\uc774 \uac78\ub9b4 \uc218 \uc788\uc9c0\ub9cc, \ubcf4\ud5d8\uc0ac\ub294 \uc9c0\uae08 \ub2f9\uc7a5 \uc774\ub7ec\ud55c \uc18c\ube44\uc790\uc640 \uc18c\ud1b5\ud558\uace0 \uace0\uac1d\uc774 \uccab \uc8fc\ud0dd \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ud544\uc694\ud560 \ub54c \uc801\uc2dc\uc5d0 \uc801\uc808\ud55c \uc7a5\uc18c\uc5d0 \uc788\uc744 \uc218 \uc788\ub294 \uae30\ud68c\ub97c \uac00\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

_Images \uc791\uc131\uc790 : Roberto Nickson<\/a>, Rowan Heuvel<\/a>, Helloquence<\/a> _<\/p>\n","protected":false},"excerpt":{"rendered":"

\uc218\uc2ed \ub144 \uc804\ub9cc \ud574\ub3c4 \uc804\ud615\uc801\uc778 \ubbf8\uad6d \uac00\uc815\uc758 \ubaa8\uc2b5\uc740 \ub450 \ubd80\ubaa8, 2.3\uba85\uc758 \uc790\ub140, \uac1c \ud55c \ub9c8\ub9ac, \uadf8\ub9ac\uace0 \uaf43\ubc2d\uacfc \uc6b8\ud0c0\ub9ac\uac00 \uc788\ub294 \uc9d1\uc73c\ub85c \uad6c\uc131\ub418\uc5c8\ub2e4. \ubd80\ub3d9\uc0b0 \ubc0f \uc784\ub300\ub8cc \uc0c1\uc2b9, \uc815\ucc29\uc5d0 \ub300\ud55c \ud0dc\ub3c4 \ubcc0\ud654, 2008\ub144 \uacbd\uae30 \uce68\uccb4\ub85c \uc8fc\ud0dd \uc2dc\uc7a5\uc774 \ubd95\uad34\ub41c \ud6c4 \uc18c\uc720\uad8c\uc5d0 \ub300\ud55c \ud68c\uc758\ub860 \ub4f1 \uc5ec\ub7ec \uc694\uc778\uc774 \uacb0\ud569\ub418\uc5b4 \uc774\ub7ec\ud55c \ube44\uc804\uc740 \uc624\ub298\ub0a0\uc758 \uc80a\uc740\uc774\ub4e4\uc5d0\uac8c \ubc18\ud5a5\uc744 \uc77c\uc73c\ud0a4\uc9c0 \ubabb\ud569\ub2c8\ub2e4. \ud55c \uac00\uc9c0 \ud070 \uc774\uc720\ub294 \uc8fc\ud0dd […]<\/p>\n","protected":false},"featured_media":5879,"template":"","insight-category":[],"class_list":["post-17956","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight\/17956","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/types\/insight"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/media\/5879"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/media?parent=17956"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight-category?post=17956"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}