{"id":22281,"date":"2024-10-08T18:21:43","date_gmt":"2024-10-08T23:21:43","guid":{"rendered":"https:\/\/bolttech.io\/insights\/%eb%b3%b4%ed%97%98%ec%9d%b4-%ea%b8%b0%ec%a1%b4-%ec%84%9c%eb%b9%84%ec%8a%a4-%ec%99%b8%eb%b6%80%eb%a1%9c-%ed%99%95%ec%9e%a5%eb%90%98%eb%8a%94-%eb%b0%a9%eb%b2%95\/"},"modified":"2024-10-08T18:21:49","modified_gmt":"2024-10-08T23:21:49","slug":"%eb%b3%b4%ed%97%98%ec%9d%b4-%ea%b8%b0%ec%a1%b4-%ec%84%9c%eb%b9%84%ec%8a%a4-%ec%99%b8%eb%b6%80%eb%a1%9c-%ed%99%95%ec%9e%a5%eb%90%98%eb%8a%94-%eb%b0%a9%eb%b2%95","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/ko\/insights\/%eb%b3%b4%ed%97%98%ec%9d%b4-%ea%b8%b0%ec%a1%b4-%ec%84%9c%eb%b9%84%ec%8a%a4-%ec%99%b8%eb%b6%80%eb%a1%9c-%ed%99%95%ec%9e%a5%eb%90%98%eb%8a%94-%eb%b0%a9%eb%b2%95\/","title":{"rendered":"\ubcf4\ud5d8\uc774 \uae30\uc874 \uc11c\ube44\uc2a4 \uc678\ubd80\ub85c \ud655\uc7a5\ub418\ub294 \ubc29\ubc95"},"content":{"rendered":"\n<p>\ubcf4\ud5d8\uc0ac\ub4e4\uc740 \ub9ac\uc2a4\ud06c\ub97c \uc804\ubb38\uc73c\ub85c \ud558\uba70, \uc218 \uc138\uae30 \ub3d9\uc548 \ub9ac\uc2a4\ud06c \uc804\ubb38 \ubd84\uc57c\uc5d0 \uc9d1\uc911\ud574 \uc654\uc2b5\ub2c8\ub2e4.<\/p>\n\n<p>\uc624\ub298\ub0a0 \ubcf4\ud5d8 \ud68c\uc0ac\ub4e4\uc740 \uc131\uc7a5\uacfc \ubcc0\ud601\uc774 \uc804\ud1b5\uc801\uc778 \ubcf4\ud5d8 \uc0b0\uc5c5\uc758 \uacbd\uacc4 \ubc16\uc5d0\uc11c \uac00\uc7a5 \uc798 \ubc1c\uacac\ub41c\ub2e4\ub294 \uac83\uc744 \ubc1c\uacac\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub514\uc9c0\ud138 \ud2b8\ub79c\uc2a4\ud3ec\uba54\uc774\uc158\uc5d0 \ub300\ud55c \ub178\ub825\uacfc \ud568\uaed8 \ubcf4\ud5d8 \ubd84\uc57c\uc758 \uc778\uc218 \ud569\ubcd1 \ud65c\ub3d9\uc758 \uae09\uc18d\ud55c \uc131\uc7a5\uc740 \uc190\ud574 \ubcf4\ud5d8\uc0ac\uc758 \ud601\uc2e0\uacfc \ubcc0\ud654\ub97c \uc8fc\ub3c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n<h2 class=\"wp-block-heading\">\uc778\uc218 \ud569\ubcd1<\/h2>\n\n<p>\ub51c\ub85c\uc774\ud2b8\uc758 <a href=\"https:\/\/www2.deloitte.com\/us\/en\/pages\/financial-services\/articles\/insurance-m-and-a-outlook.html\" target=\"_blank\" rel=\"noreferrer noopener\">\ub354\uadf8 \uc2a4\uc704\ub2c8(Doug Sweeney)\uc640 \ub9c8\ud06c \ud478\ub85c\uc704\uce20(Mark Purowitz<\/a> )\ub294 &#8220;\ucf54\ub85c\ub09819\ub85c \uc778\ud55c \uac74\uac15, \uacbd\uc81c, \uc815\uce58\uc801 \ubb38\uc81c\ub85c \uc778\ud55c \uad11\ubc94\uc704\ud55c \ubd88\ud655\uc2e4\uc131\uc744 \uace0\ub824\ud560 \ub54c \ubcf4\ud5d8 \uc5c5\uacc4\ub294 2020\ub144\uc5d0 \uc608\uc0c1\ubcf4\ub2e4 \ub354 \ub9ce\uc740 M&amp;A \ud65c\ub3d9\uc744 \uae30\ub85d\ud588\ub2e4&#8221;\uace0 \uc37c\uc2b5\ub2c8\ub2e4.<\/p>\n\n<p>2019\ub144\uacfc 2020\ub144 \uc0ac\uc774 \ucd1d \uac70\ub798 \uac74\uc218\ub294 \uc18c\ud3ed \uac10\uc18c\ud588\uc9c0\ub9cc, \uc774\ub904\uc9c4 \uc778\uc218\ud569\ubcd1\uc758 \uac00\uce58\ub294 \uc774 \ub450 \ud574 \uc0ac\uc774\uc5d0 39% \uc99d\uac00\ud588\ub2e4\uace0 \uc2a4\uc704\ub2c8\uc640 \ud478\ub85c\uc704\uce20\ub294 \uc9c0\uc801\ud588\ub2e4. \ub51c\ub85c\uc774\ud2b8(Deloitte)\uc758 \ud55c \uc870\uc0ac\uc5d0 \ub530\ub974\uba74 \ubd81\ubbf8 \uc9c0\uc5ed \ubcf4\ud5d8\uc0ac\uc758 32%\uac00 \uae09\uc18d\ud55c \ub514\uc9c0\ud138 \ud2b8\ub79c\uc2a4\ud3ec\uba54\uc774\uc158\uacfc \ubd88\ud655\uc2e4\uc131\uc774 \ud070 \uc2dc\ub300\uc5d0 \uc7ac\ubb34 \uc548\uc815\uc131\uc744 \ub192\uc774\uace0 \uc804\ub7b5\uc801\uc73c\ub85c \ud589\ub3d9\ud558\uae30 \uc704\ud55c \ubc29\ubc95\uc73c\ub85c M&amp;A\ub97c \uace0\ub824\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n<p>\ucf54\ub85c\ub09819 \ud32c\ub370\ubbf9(\uc138\uacc4\uc801 \ub300\uc720\ud589)\uc774 \uc2dc\uc791\ub418\uba74\uc11c M&amp;A \ud65c\ub3d9\uc774 \uc77c\uc2dc\uc801\uc73c\ub85c \ub454\ud654\ub418\uc5c8\uc9c0\ub9cc, \uc774\ub7ec\ud55c \ub454\ud654\ub294 \ubcf4\ub958 \uc911\uc778 \uac70\ub798\uc758 \ucde8\uc18c\ub77c\uae30\ubcf4\ub2e4\ub294 \ub51c\uba54\uc774\ud0b9\uc758 \uc5f0\uae30\ub85c \ubcf4\uc785\ub2c8\ub2e4. &#8220;\ub2e4\ub978 \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uacfc \ub9c8\ucc2c\uac00\uc9c0\ub85c \ubcf4\ud5d8 \uc5c5\uacc4\uc758 \ub51c\uba54\uc774\ucee4\ub4e4\uc740 \uc62c\ud574 \uc0c1\ubc18\uae30\uc5d0 \uc2ec\uc0ac\uc219\uace0\ub97c \uc704\ud574 \uc7a0\uc2dc \uba48\ucdc4\uc9c0\ub9cc \uadf8\ub9ac \uc624\ub798\uac00\uc9c0\ub294 \uc54a\uc558\ub2e4&#8221;\uace0 \ud074\ub77c\uc774\ub4dc \uc564 \ucf54(Clyde &amp; Co)\uc758 \uae30\uc5c5 \ubcf4\ud5d8 \uadf8\ub8f9 \ud30c\ud2b8\ub108\uc778 <a href=\"https:\/\/www.insurancejournal.com\/news\/international\/2021\/02\/18\/601726.htm\" target=\"_blank\" rel=\"noreferrer noopener\">\uc544\uc774\ubc84 \uc5d0\ub4dc\uc6cc\uc988(Ivor Edwards<\/a>)\ub294 \ub9d0\ud55c\ub2e4. <\/p>\n\n<p>\ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc778\uc218\ud569\ubcd1(M&amp;A) \uac70\ub798\ub97c \uacc4\uc18d \uc218\uc6a9\ud558\ub294 \uc18d\ub3c4\ub294 2021\ub144 \uc0c1\ubc18\uae30\uc5d0 \ub354\uc6b1 \uc99d\uac00\ud588\uc2b5\ub2c8\ub2e4. PwC\uc5d0 \ub530\ub974\uba74 2021\ub144 1\uc6d4\ubd80\ud130 5\uc6d4\uae4c\uc9c0 215\uac74\uc758 \ubcf4\ud5d8 \uac70\ub798\uac00 \ubc1c\ud45c\ub418\uc5c8\uc73c\uba70 \ucd1d \uac00\uce58\ub294 246\uc5b5 \ub2ec\ub7ec\uc5d0 \ub2ec\ud569\ub2c8\ub2e4. <\/p>\n\n<p>PwC\uc758 \ubcf4\ud5d8 \uac70\ub798 \ub9ac\ub354\uc778 <a href=\"https:\/\/www.propertycasualty360.com\/2021\/07\/15\/insurance-ma-activity-in-first-half-2021-reaches-24-6b-in-value\/\" target=\"_blank\" rel=\"noreferrer noopener\">\ub9c8\ud06c \ud504\ub9ac\ub4dc\uba3c(Mark Friedman<\/a>)\uc740 &#8220;\uc62c\ud574 \uc0c1\ubc18\uae30\uc5d0\ub3c4 \ubcf4\ud5d8 \uac70\ub798\uc758 \uc18d\ub3c4\uc640 \uaddc\ubaa8\uac00 \uacc4\uc18d \uac00\uc18d\ud654\ub410\ub2e4&#8221;\uba70 &#8220;\ubcf4\ud5d8\uc0ac\ub4e4\uc740 \ubcf4\ud5d8 \uc0ac\uc5c5\uc5d0 \ub300\ud55c \uac15\ub825\ud55c \uc218\uc694\uc5d0 \ud798\uc785\uc5b4 \ub192\uc740 \ubc38\ub958\uc5d0\uc774\uc158\uc744 \ud65c\uc6a9\ud558\ub824\uace0 \ud55c\ub2e4&#8221;\uace0 \ub9d0\ud588\ub2e4.<\/p>\n\n<p>\uc774\ub7ec\ud55c \uc0c1\uc2b9 \ucd94\uc138\ub294 \uac00\uae4c\uc6b4 \uc7a5\ub798\uc5d0 \ub454\ud654\ub420 \uae30\ubbf8\uac00 \ubcf4\uc774\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. &#8220;2022\ub144\uc5d0\ub3c4 \uac15\ub825\ud55c \ubcf4\ud5d8 M&amp;A \ud65c\ub3d9\uc774 \uacc4\uc18d\ub420 \uac83\uc73c\ub85c \uc608\uc0c1\ud55c\ub2e4&#8221;\uace0 PwC \ub51c \uc139\ud130 \ub9ac\ub354\uc778 <a href=\"https:\/\/www.pwc.com\/us\/en\/industries\/insurance\/library\/deals-insights.html\" target=\"_blank\" rel=\"noreferrer noopener\">\uc874 \ud3ec\ud130(John Potter<\/a> )\uc640 \ub3d9\ub8cc \ud30c\ud2b8\ub108\ub4e4\uc740 \uc37c\ub2e4. PwC\uc758 \uc870\uc0ac\uc5d0 \ub530\ub974\uba74, \ub0b4\ub144\uc5d0 \uc788\uc744 \ubcf4\ud5d8 \uc778\uc218 \ud569\ubcd1\uc5d0\ub294 \ud604\uc7ac \uc9c4\ud589 \uc911\uc778 \ud32c\ub370\ubbf9 \ubc0f \uae30\ud0c0 \ub3c4\uc804\uc5d0 \uc9c1\uba74\ud558\uc5ec \uc0c8\ub85c\uc6b4 \uae30\ubc18\uc744 \ucc3e\uace0\uc790 \ud558\ub294 \ubcf4\ud5d8\uc0ac\ubfd0\ub9cc \uc544\ub2c8\ub77c \uc911\uac1c\uc5c5\uccb4\ub3c4 \ud3ec\ud568\ub420 \uac00\ub2a5\uc131\uc774 \ub192\uc2b5\ub2c8\ub2e4.  <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/analyzing-stock-charts--1024x683.jpg\" alt=\"&#xC99D;&#xAD8C; &#xAC70;&#xB798;&#xC18C; &#xC2DC;&#xC7A5; &#xAC1C;&#xB150;\" class=\"wp-image-10831\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/analyzing-stock-charts--1024x683.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/analyzing-stock-charts--300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/analyzing-stock-charts--768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/analyzing-stock-charts-.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\ub514\uc9c0\ud138 \ud2b8\ub79c\uc2a4\ud3ec\uba54\uc774\uc158<\/h2>\n\n<p>\ub610\ud55c \ub51c\ub85c\uc774\ud2b8(Deloitte)\uc758 \uc870\uc0ac\uc5d0 \ub530\ub974\uba74 \ubcf4\ud5d8\uc0ac\uc758 79%\uac00 \ud32c\ub370\ubbf9 \uae30\uac04 \ub3d9\uc548 \uc870\uc9c1\uc758 \ub514\uc9c0\ud138 \uc811\uadfc \ubc29\uc2dd\uc5d0\uc11c \ub2e8\uc810\uc744 \ubc1c\uacac\ud588\uc73c\uba70, 95%\ub294 \ud5a5\ud6c4 \uba87 \ub144 \ub3d9\uc548 \ub514\uc9c0\ud138 \ud2b8\ub79c\uc2a4\ud3ec\uba54\uc774\uc158\uc744 \uac00\uc18d\ud654\ud558\uae30 \uc704\ud574 \ucd5c\uc120\uc744 \ub2e4\ud558\uace0 \uc788\ub2e4\uace0 Sweeney\uc640 Purowitz\ub294 \ubc1d\ud614\uc2b5\ub2c8\ub2e4. \ub2f9\uc5f0\ud788 \ub514\uc9c0\ud138 \ud2b8\ub79c\uc2a4\ud3ec\uba54\uc774\uc158\uc5d0 \ub300\ud55c \uc774\ub7ec\ud55c \ucd08\uc810\uc740 \ubcf4\ud5d8 \ud68c\uc0ac \uac04\uc758 \uc778\uc218 \ud569\ubcd1\uc5d0\ub3c4 \uc601\ud5a5\uc744 \ubbf8\uce58\uace0 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n<p>\uc0ac\ud53c\uc5d4\uc2a4(Sapiens)\uc758 \ucd5c\uace0\uc804\ub7b5\ucc45\uc784\uc790( <a href=\"https:\/\/www.forbes.com\/sites\/forbesbusinessdevelopmentcouncil\/2021\/05\/25\/three-factors-that-will-drive-insurance-mergers-and-acquisitions-this-year\/\" target=\"_blank\" rel=\"noreferrer noopener\">CSO)\uc778 \uc54c\ub809\uc2a4 \uc8fc\ucee4\ub9cc(Alex Zukerman<\/a>)\uc740 &#8220;\ud575\uc2ec \uc2dc\uc2a4\ud15c\uc744 \uc5c5\uadf8\ub808\uc774\ub4dc\ud558\uace0 \uc778\uacf5 \uc9c0\ub2a5, \ub370\uc774\ud130 \ubd84\uc11d, \uc0ac\ubb3c \uc778\ud130\ub137(IoT)\uacfc \uac19\uc740 \ud601\uc2e0\uc801\uc778 \uae30\uc220\uc758 \uc7a0\uc7ac\ub825\uc744 \ucd5c\ub300\ud55c \ud65c\uc6a9\ud558\ub824\ub294 \uae30\uc874 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \ud601\uc2e0 \uc804\ub7b5\uc758 \uc77c\ud658\uc73c\ub85c M&amp;A\ub85c \uc810\uc810 \ub354 \ub9ce\uc774 \ub208\uc744 \ub3cc\ub9ac\uace0 \uc788\ub2e4&#8221;\uace0 \ub9d0\ud588\ub2e4.<\/p>\n\n<p>M&amp;A \ud65c\ub3d9\uc744 \ud3ec\ud568\ud55c \ub514\uc9c0\ud138 \ud2b8\ub79c\uc2a4\ud3ec\uba54\uc774\uc158\uc5d0 \ub300\ud55c \ud22c\uc790\ub294 \ubcf4\ud5d8\uc0ac\uc5d0 \ud070 \ub3c4\uc6c0\uc774 \ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. EY\uc758 <a href=\"https:\/\/www.ey.com\/en_us\/insurance\/insurance-m-and-a-a-review-of-2020-and-expectations-for-2021\" target=\"_blank\" rel=\"noreferrer noopener\">\ub9c8\ud2f4 \uc2a4\ud54f(Martin Spit<\/a>)\uc5d0 \ub530\ub974\uba74, 2020\ub144 \ubcf4\ud5d8\uc0ac\ub97c \ud3ec\ud568\ud55c \uae08\uc735\uae30\uad00\uc774 \ub514\uc9c0\ud138 \ud2b8\ub79c\uc2a4\ud3ec\uba54\uc774\uc158 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud558\uae30 \uc704\ud574 \uc778\uc218\ud569\ubcd1(M&amp;A)\uc744 \ud65c\uc6a9\ud55c \uc0ac\ub840\ub294 25%\uc5d0 \ubd88\uacfc\ud588\uc9c0\ub9cc, &#8220;\uc774\ub7ec\ud55c \uac70\ub798\ub294 52%\uc758 \uacbd\uc6b0 ROI \uae30\ub300\uce58\ub97c \ucd08\uacfc\ud588\ub2e4&#8221;\uace0 \ud569\ub2c8\ub2e4. \uae30\uc5c5\uc758 \ub514\uc9c0\ud138 \ud2b8\ub79c\uc2a4\ud3ec\uba54\uc774\uc158\uc744 \ucd09\uc9c4\ud558\uae30 \uc704\ud55c \ubaa9\uc801\uc73c\ub85c \ucd94\uc9c4\ub418\ub294 \uc778\uc218 \ud569\ubcd1\uc740 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc774\ub7ec\ud55c \uad00\uacc4\uac00 \uc57d\uc18d\ud558\ub294 \ub9c9\ub300\ud55c \ud22c\uc790 \uc218\uc775\uc744 \uc218\uc6a9\ud558\ub824\uace0 \ud568\uc5d0 \ub530\ub77c \ud5a5\ud6c4 \uba87 \ub144 \ub3d9\uc548 \uc99d\uac00\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.  <\/p>\n\n<h2 class=\"wp-block-heading\">\uc218\ud3c9\uc801 \uc778\uc288\uc5b4\ud14c\ud06c \uc131\uc7a5<\/h2>\n\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uc2e0\uc0dd \uc778\uc288\uc5b4\ud14c\ud06c\uc640 \uae30\uc874 \ubcf4\ud5d8\uc0ac\uac00 \uc810\uc810 \ub354 \ub9ce\uc740 \uc5c5\uc885\uc5d0\uc11c \uc2dc\uc7a5 \uc810\uc720\uc728\uc744 \ub193\uace0 \uc810\uc810 \ub354 \uacbd\uc7c1\ud558\uace0 \uc788\ub2e4\ub294 \uc810\uc5d0 \uc8fc\ubaa9\ud560 \uac00\uce58\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uc8fc\ub85c \uc138\uc785\uc790 \ubcf4\ud5d8\uc5d0\ub9cc \uc911\uc810\uc744 \ub450\uace0 \uc124\ub9bd\ub418\uc5c8\uc9c0\ub9cc \uc774\ud6c4 \uc8fc\ud0dd \uc18c\uc720\uc790 \ubcf4\ud5d8, \uc560\uc644 \ub3d9\ubb3c \ubcf4\ud5d8 \ubc0f \uc0dd\uba85 \ubcf4\ud5d8\uc744 \uc81c\uacf5\ud558\ub294 \uac83\uc73c\ub85c <a href=\"https:\/\/www.fool.com\/investing\/2021\/05\/29\/lemonades-300-billion-growth-opportunity\/\" target=\"_blank\" rel=\"noreferrer noopener\">\ud655\uc7a5<\/a> \ud55c Lemonade\uc640 \uac19\uc740 \ud68c\uc0ac\uc758 \uc131\uc219\uacfc \ubc18\uc62c\ub9bc \ub54c\ubb38\uc785\ub2c8\ub2e4. <\/p>\n\n<p>\uae30\uc874 \ud1b5\uc2e0\uc0ac \ub0b4\uc5d0\uc11c \uc77c\uc5b4\ub098\uace0 \uc788\ub294 \ub514\uc9c0\ud138 \ud2b8\ub79c\uc2a4\ud3ec\uba54\uc774\uc158\uc740 \uc774 \ub80c\uc988\ub97c \ud1b5\ud574 \ubcf4\uc544\uc57c \ud569\ub2c8\ub2e4. \uc778\uc288\uc5b4\ud14c\ud06c\ub294 \uc774 \ubd80\ubb38\uc744 \ud63c\ub780\uc5d0 \ube60\ub728\ub9ac\uace0 \uace0\uac1d\uc758 \uae30\ub300\uce58\ub97c \ube60\ub974\uac8c \ubcc0\ud654\uc2dc\ucf30\uc2b5\ub2c8\ub2e4. \uac01 \uace0\uac1d\uc5d0 \ub9de\uac8c \uc870\uc815\ud560 \uc218 \uc788\ub294 \uc870\uc815 \uac00\ub2a5\ud55c \ub370\uc774\ud130 \uae30\ubc18 \ubcf4\ud5d8\ub8cc? \uc778\uc288\uc5b4\ud14c\ud06c(Insurtech)\ub294 \uc774\ub7ec\ud55c \ud601\uc2e0\uc744 \uc8fc\ub3c4\ud588\uc73c\uba70, \uc774\ub7ec\ud55c \ubaa8\ub378\uc744 \uc0c8\ub85c\uc6b4 \uc5c5\uc885\uc73c\ub85c \uac00\uc838\uac00\uace0 \uc788\uc73c\uba70, \uace0\uac1d\uc740 \uc790\uc2e0\uc774 \uc0ac\uc6a9\ud560 \uc218 \uc788\ub294 \ubcf4\uc7a5\uc5d0\uc11c \uc0c8\ub85c\uc6b4 \uc720\uc5f0\uc131\uc744 \uac04\uc808\ud788 \uae30\ub2e4\ub9ac\uace0 \uc788\uc2b5\ub2c8\ub2e4.   <\/p>\n\n<p>\uc790\ub3d9\ucc28 \ubcf4\ud5d8 \uace0\uac1d\uc774 \ub354 \uc800\ub834\ud55c \ub9de\ucda4\ud615 \ubcf4\ud5d8\uc744 \uc704\ud574 \uc6b4\uc804 \ub370\uc774\ud130\ub97c \uad50\ud658\ud560 \uc758\ud5a5\uc774 \uc788\uc744\uae4c\uc694? \ubaa8\ub4e0 \uc9d5\ud6c4\ub294 &#8216;\uc608&#8217;\ub97c \uac00\ub9ac\ud0a8\ub2e4. \uc774\uc81c \uc6b4\uc1a1\uc5c5\uccb4\uc758 \uacfc\uc81c\ub294 \uc774\ub7ec\ud55c \uc0c8\ub85c\uc6b4 \uace0\uac1d \ud589\ub3d9\uc758 \uc131\uc7a5 \uc7a0\uc7ac\ub825\uc744 \ud65c\uc6a9\ud558\ub294 \uac83\uc785\ub2c8\ub2e4.  <\/p>\n\n<p>\ubcf4\ud5d8\uc740 \uc5ec\uc804\ud788 \ub9ac\uc2a4\ud06c\uc5d0 \ub300\ud55c \uc138\uacc4 \uc804\ubb38 \uc0b0\uc5c5\uc785\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ud569\ubcd1, \uc778\uc218 \ubc0f \ud30c\ud2b8\ub108\uc2ed\uc744 \ud1b5\ud574 \ub514\uc9c0\ud138 \ud2b8\ub79c\uc2a4\ud3ec\uba54\uc774\uc158\uc744 \uc218\uc6a9\ud558\ub294 \ubcf4\ud5d8\uc0ac\ub294 \uc704\ud5d8\uc5d0 \ub300\ud55c \uc790\uccb4 \uc804\ubb38 \uc9c0\uc2dd\uacfc \uae30\uc220 \ud30c\ud2b8\ub108 \ubc0f \uae30\ud0c0 \ubcf4\uc644 \ucd94\uad6c\uc758 \uae30\uc220 \ubc0f \uacbd\ud5d8 \uac04\uc758 \uade0\ud615\uc744 \uc720\uc9c0\ud569\ub2c8\ub2e4. \uadf8 \uacb0\uacfc \ubcf4\ub2e4 \ud601\uc2e0\uc801\uc774\uace0 \ud0c4\ub825\uc801\uc778 \ubcf4\ud5d8 \uc0b0\uc5c5\uc774 \ud0c4\uc0dd\ud588\uc2b5\ub2c8\ub2e4.  <\/p>\n\n<p><em>\uc774\ubbf8\uc9c0 \uc791\uc131\uc790: ammentorp\/\u00a9123RF.com, elleaon\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ubcf4\ud5d8\uc0ac\ub4e4\uc740 \ub9ac\uc2a4\ud06c\ub97c \uc804\ubb38\uc73c\ub85c \ud558\uba70, \uc218 \uc138\uae30 \ub3d9\uc548 \ub9ac\uc2a4\ud06c \uc804\ubb38 \ubd84\uc57c\uc5d0 \uc9d1\uc911\ud574 \uc654\uc2b5\ub2c8\ub2e4. \uc624\ub298\ub0a0 \ubcf4\ud5d8 \ud68c\uc0ac\ub4e4\uc740 \uc131\uc7a5\uacfc \ubcc0\ud601\uc774 \uc804\ud1b5\uc801\uc778 \ubcf4\ud5d8 \uc0b0\uc5c5\uc758 \uacbd\uacc4 \ubc16\uc5d0\uc11c \uac00\uc7a5 \uc798 \ubc1c\uacac\ub41c\ub2e4\ub294 \uac83\uc744 \ubc1c\uacac\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub514\uc9c0\ud138 \ud2b8\ub79c\uc2a4\ud3ec\uba54\uc774\uc158\uc5d0 \ub300\ud55c \ub178\ub825\uacfc \ud568\uaed8 \ubcf4\ud5d8 \ubd84\uc57c\uc758 \uc778\uc218 \ud569\ubcd1 \ud65c\ub3d9\uc758 \uae09\uc18d\ud55c \uc131\uc7a5\uc740 \uc190\ud574 \ubcf4\ud5d8\uc0ac\uc758 \ud601\uc2e0\uacfc \ubcc0\ud654\ub97c \uc8fc\ub3c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc778\uc218 \ud569\ubcd1 \ub51c\ub85c\uc774\ud2b8\uc758 \ub354\uadf8 \uc2a4\uc704\ub2c8(Doug Sweeney)\uc640 \ub9c8\ud06c \ud478\ub85c\uc704\uce20(Mark Purowitz [&hellip;]<\/p>\n","protected":false},"featured_media":10847,"template":"","insight-category":[],"class_list":["post-22281","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight\/22281","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\/10847"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/media?parent=22281"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight-category?post=22281"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}