{"id":7003,"date":"2017-08-17T21:14:55","date_gmt":"2017-08-17T21:14:55","guid":{"rendered":"https:\/\/songlawfirm.com\/?p=7003"},"modified":"2023-11-15T20:49:50","modified_gmt":"2023-11-16T01:49:50","slug":"%ec%83%9d%ec%a0%84%ec%8b%a0%ed%83%81-living-trust-%ec%9d%b4%eb%9e%80","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/%ec%83%9d%ec%a0%84%ec%8b%a0%ed%83%81-living-trust-%ec%9d%b4%eb%9e%80\/","title":{"rendered":"\uc0dd\uc804\uc2e0\ud0c1 (Living Trust) \uc774\ub780?"},"content":{"rendered":"<p>\uc548\ub155\ud558\uc138\uc694, \uc1a1\ub3d9\ud638 \uc885\ud569\ub85c\ud38c\uc785\ub2c8\ub2e4. \ub3d9\ubb3c\uc740 \uc8fd\uc5b4\uc11c \uac00\uc8fd\uc744 \ub0a8\uae30\uace0 \uc0ac\ub78c\uc740 \uc8fd\uc5b4\uc11c \uc774\ub984\uc744 \ub0a8\uae34\ub2e4\ub294 \ub9d0\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc694\uc998\uc740 \uc774\ub984 \uc678\uc5d0\ub3c4 \ub0a8\uae38 \uac83\ub4e4\uc774 \ucc38 \ub9ce\uc740 \uc138\uc0c1\uc785\ub2c8\ub2e4. \ud55c\ud3c9\uc0dd \uc5f4\uc2ec\ud788 \uc77c\ud558\uc5ec \uac74\uac15\ud558\uace0 \uc990\uac70\uc6b4 \uc18c\ube44\uc0dd\ud65c\uc744 \uc990\uae34\ub2e4\ub294 \uac83\uc740 \ub9d0\ub9cc \ub4e4\uc5b4\ub3c4 \ud589\ubcf5\ud55c \uc77c\uc785\ub2c8\ub2e4. \uac70\uae30\ub2e4\uac00 \uc800\ucd95 \uc0dd\ud65c\ub3c4 \uc5f4\uc2ec\ud788 \ud558\uc5ec \uc5ec\ub7ec \uc790\uc0b0\uc744 \ubaa8\uc544 \ub193\uc558\ub2e4\uba74 \uae08\uc0c1\ucca8\ud654\uc77c \uac83\uc785\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc774\uc640 \uac19\uc740 \ub540\uacfc \ub178\ub825\uc758 \uacb0\uc2e4\uc774 \uc790\uc2e0\uc774 \uc138\uc0c1\uc744 \ub5a0\ub09c \ud6c4 \uc790\uae30 \ub73b\uacfc \uc758\uc9c0\uc640\ub294 \uc0c1\uad00\uc5c6\uc774 \uc0ac\uc6a9\ub41c\ub2e4\uba74 \ucc38\uc73c\ub85c \uc18d\uc0c1\ud560 \uac83\uc785\ub2c8\ub2e4. \ud639\uc740 \uc774\ub7ec\ud55c \uc77c\ub85c \uc778\ud574 \uc790\uc2e0\uc758 \uc0ac\ub791\uc2a4\ub7ec\uc6b4 \uc790\ub140\ub4e4\uacfc \uce5c\ucc99\ub4e4\uc774 \uc2f8\uc6b0\uace0, \ubc18\ubaa9\ud558\uace0, \uc11c\ub85c \uc5bc\uad74\ub3c4 \ubcf4\uc9c0 \uc54a\uac8c \ub41c\ub2e4\uba74 \uc815\ub9d0 \uc8fd\uc5b4\uc11c\ub3c4 \ub208\uc744 \uac10\uc9c0 \ubabb\ud560 \uac83\uc785\ub2c8\ub2e4. \uc774\ub7f0 \ubd88\ud589\ud55c \uc0ac\ud0dc\ub97c \ubbf8\ub9ac \ubc29\uc9c0\ud558\ub294 \ub370 \ud544\uc694\ud55c \uac83\uc774 \ubc14\ub85c \uc720\uc0b0\uad00\ub9ac(Estate Planning)\uc785\ub2c8\ub2e4. \ub9ce\uc740 \ubd84\uc774 \uc720\uc0b0\uad00\ub9ac\ub77c\uace0 \ud558\uba74 \uc720\uc5b8\uc7a5(Will)\uc744 \uba3c\uc800 \ub5a0\uc62c\ub9ac\uc2e4 \uac81\ub2c8\ub2e4. \uc2e4\uc81c\ub85c\ub3c4 \uc720\uc5b8\uc7a5\uc740 \ub110\ub9ac \uc0ac\uc6a9\ub418\ub294 \uc720\uc0b0\uad00\ub9ac \ubc29\uc2dd\uc785\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc720\uc5b8\uc7a5 \ubabb\uc9c0\uc54a\uac8c \ub9ce\uc740 \uc0ac\ub78c\uc774 \uc0ac\uc6a9\ud558\ub294 \uc720\uc0b0\uad00\ub9ac \ubc29\uc2dd\uc774 \ubc14\ub85c \uc0dd\uc804\uc2e0\ud0c1(Living Trust) \uc785\ub2c8\ub2e4. \uc624\ub298\uc740 \uc0dd\uc804\uc2e0\ud0c1\uc5d0 \ub300\ud574 \uc790\uc138\ud558\uac8c \uc54c\uc544\ubcf4\ub3c4\ub85d \ud558\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc0dd\uc804\uc2e0\ud0c1\uc758 \uc6b4\uc601\ubc29\uc2dd\ubd80\ud130 \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \uba3c\uc800 \uc720\uc0b0\uc744 \uad00\ub9ac\ud558\uace0 \uc2f6\uc740 \uc0ac\ub78c\uc774 \uc2e0\ud0c1(Trust)\uc744 \uc124\ub9bd\ud569\ub2c8\ub2e4. \uc774 \uc0ac\ub78c\uc774 \uc2e0\ud0c1\uc758 \uc218\uc5ec\uc790(Grantor)\uac00 \ub429\ub2c8\ub2e4. \uc218\uc5ec\uc790\ub294 \uc790\uc2e0\uc758 \uc7ac\uc0b0\uc744 \uc2e0\ud0c1\uc73c\ub85c \uc62e\uaca8 \ub193\uace0 \uc2e0\ud0c1 \uad00\ub9ac\uc790(Trustee)\ub97c \uc9c0\uc815\ud569\ub2c8\ub2e4. \uc2e0\ud0c1 \uad00\ub9ac\uc790\ub294 \uc218\uc5ec\uc790\uac00 \uc0b4\uc544\uc788\ub294 \ub3d9\uc548 \uc218\uc5ec\uc790\uc758 \uc774\uc775\uc744 \uc704\ud574 \uc2e0\ud0c1 \uc790\uc0b0\uc744 \uad00\ub9ac\ud558\uac8c \ud569\ub2c8\ub2e4. \uadf8\ub9ac\uace0 \uc218\uc5ec\uc790\uac00 \uc0ac\ub9dd\ud55c \ud6c4\uc5d0\ub294 \uc218\uc5ec\uc790\uac00 \uc9c0\uc815\ud55c \uc218\ud61c\uc790(Beneficiary)\uc5d0\uac8c \uc2e0\ud0c1 \uc7ac\uc0b0\ub4e4\uc774 \ubc14\ub85c \ubd84\ubc30\ub420 \uc218 \uc788\uac8c \ud569\ub2c8\ub2e4. \uc774\uac83\uc774 \uac00\uc7a5 \uae30\ubcf8\uc801\uc778 \uc0dd\uc804\uc2e0\ud0c1\uc758 \uc720\ud615\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc218\uc5ec\uc790\ub294 \uc2e0\ud0c1 \uad00\ub9ac\uc790\ub85c \ud0c0\uc778\uc744 \uc9c0\uc815\ud560 \uc218 \uc788\uc9c0\ub9cc, \uc790\uc2e0\uc744 \uc9c0\uc815\ud560 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c\ub85c \uc0dd\uc804\uc2e0\ud0c1\uc744 \ub9cc\ub4dc\uc2dc\ub294 \ub300\ubd80\ubd84\uc758 \uc218\uc5ec\uc790\uac00 \uc790\uc2e0\uc744 \uc2e0\ud0c1 \uad00\ub9ac\uc790\ub85c \uc9c0\uc815\ud569\ub2c8\ub2e4. \uc774\ub807\uac8c \ub418\uba74 \uc218\uc5ec\uc790\ub294 \uc2e0\ud0c1\uc744 \ub9cc\ub4e4\uae30 \uc804\uacfc \ubcc4 \ucc28\uc774\uc5c6\uc774 \uc0b4\uc544\uc788\ub294 \ub3d9\uc548\uc740 \uc790\uc2e0\uc758 \uc7ac\uc0b0\uc744 \ub9c8\uc74c\uaecf \uc4f0\uace0 \ub204\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubd80\ubd80\uc758 \uacbd\uc6b0\uc5d0\ub294 \uac01\uc790\uc758 \uc0dd\uc804\uc2e0\ud0c1\uc744 \uc124\ub9bd\ud558\uc5ec \uac01\uc790 \uad00\ub9ac\ud560 \uc218\ub3c4 \uc788\uace0 \ud558\ub098\uc758 \uc0dd\uc804\uc2e0\ud0c1\uc744 \ub9cc\ub4e4\uace0 \ubd80\ubd80\uac00 \uacf5\ub3d9 \uc2e0\ud0c1 \uad00\ub9ac\uc790\ub85c\uc11c \uc2e0\ud0c1\uc744 \uad00\ub9ac\ud560 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uadf8\ub807\ub2e4\uba74 \uc5b4\ub5a0\ud55c \uc7a5\uc810\uc774 \uc788\uae38\ub798 \ub9ce\uc740 \uc0ac\ub78c\uc774 \uc790\uce6b \ubcf5\uc7a1\ud574 \ubcf4\uc77c \uc218 \uc788\ub294 \uc0dd\uc804\uc2e0\ud0c1\uc744 \uc720\uc0b0\uad00\ub9ac \ubc29\uc2dd\uc73c\ub85c \uc120\ud0dd\ud560\uae4c\uc694. \uba3c\uc800 \uc720\uc5b8\uac80\uc99d(Probate) \uc808\ucc28\ub97c \uac70\uce58\uc9c0 \uc54a\uc544\ub3c4 \ub429\ub2c8\ub2e4. \uc720\uc5b8\uac80\uc99d\uc774\ub780 \uac1c\uc778\uc774 \uc720\uc5b8\uc7a5\uc744 \ub0a8\uae30\uace0 \uc0ac\ub9dd\ud588\uc744 \ub54c \uc0c1\uc18d\uc7ac\uc0b0\uc774 \ubc95\uc6d0\uc758 \uad00\ub9ac\ud558\uc5d0 \uc0c1\uc18d\uc778\uc5d0\uac8c \ubd84\ubc30\ub418\ub294 \uc808\ucc28\ub97c \ub9d0\ud569\ub2c8\ub2e4. \uc720\uc5b8\uac80\uc99d\uc774 \uc644\ub8cc\ub418\uae30\uae4c\uc9c0\ub294 \ub9ce\uc740 \uc808\ucc28\uac00 \ud544\uc694\ud569\ub2c8\ub2e4. \uc720\uc5b8 \uc9d1\ud589\uc778\uacfc \uc720\uc0b0 \uad00\ub9ac\uc778\uc774 \uc784\uba85\ub418\uc5b4\uc57c \ud558\uace0, \uace0\uc778\uc758 \ubaa8\ub4e0 \uc790\uc0b0\uacfc \ucc44\ubb34\ub97c \ud30c\uc545\ud574\uc11c \ucc44\uad8c\uc790\ub4e4\uc5d0\uac8c \ubc95\uc801\uc73c\ub85c \uc54c\ub9ac\uace0 \ubaa8\ub4e0 \ucc44\ubb34\ub97c \uc0c1\ud658\ud558\uace0, \uace0\uc778\uc758 \uc18c\ub4dd\uc138\ub97c \ud3ec\ud568\ud55c \ubaa8\ub4e0 \uc138\uae08 \ubb38\uc81c\ub97c \uc815\ub9ac\ud558\ub294 \uacfc\uc815 \ub4f1\uc744 \uac70\uce58\uac8c \ub429\ub2c8\ub2e4. \uc774 \uc808\ucc28\uc758 \uc885\ub8cc\uae4c\uc9c0\ub294 \ucd5c\uc18c 6\uac1c\uc6d4\ubd80\ud130 \ucd5c\ub300 18\uac1c\uc6d4 \uc774\uc0c1\uae4c\uc9c0\ub3c4 \uc18c\uc694\uac00 \ub429\ub2c8\ub2e4. \ud2b9\ud788 \ub274\uc695\uc8fc \uac19\uc740 \uacbd\uc6b0\uc5d0\ub294 \ucd5c\uadfc \ubc95\uc6d0\uc744 \uc704\ud55c \uc815\ubd80\uc9c0\uc6d0\uae08\uc774 \ucd95\uc18c\ub428\uc5d0 \ub530\ub77c \ub9ce\uc740 \ubc95\uc6d0 \uc778\ub825\ub4e4\uc774 \uac10\ucd95\ub418\uc5c8\uace0, \uadf8 \uacb0\uacfc \uc720\uc5b8\uac80\uc99d\uc774 \uc644\ub8cc\ub418\uae30\uae4c\uc9c0 \ub354 \uc624\ub79c \uc2dc\uac04\uc774 \uac78\ub9ac\ub294 \uc2e4\uc815\uc785\ub2c8\ub2e4. \uc720\uc5b8\uac80\uc99d \uc808\ucc28\ub294 \ub9ce\uc740 \uc2dc\uac04\ubfd0\ub9cc \uc544\ub2c8\ub77c \ud070 \ube44\uc6a9\ub3c4 \ubc1c\uc0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc720\uc5b8\uac80\uc99d\uc774\ub780 \uac83\uc774 \uc624\ub7ab\ub3d9\uc548 \ubc95\uc6d0\uc5d0\uc11c \uc9c4\ud589\ub418\ub294 \uc808\ucc28\uc774\uae30 \ub54c\ubb38\uc5d0 \ubc95\uc6d0 \uc218\uc218\ub8cc\ub97c \ube44\ub86f\ud558\uc5ec \ubcc0\ud638\uc0ac \ube44\uc6a9 \ub4f1\uc758 \ucd94\uac00\ube44\uc6a9\ub4e4\uc774 \ubc1c\uc0dd\ud558\uac8c \ub429\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc0dd\uc804\uc2e0\ud0c1\uc5d0 \uc62e\uaca8\uc838 \uc788\ub358 \uc7ac\uc0b0\ub4e4\uc740 \uc774\ub807\uac8c \ubcf5\uc7a1\ud558\uace0 \ud070 \ube44\uc6a9\uc774 \ub4dc\ub294 \uc720\uc5b8\uac80\uc99d \uc808\ucc28 \uc5c6\uc774 \uc0c1\uc18d\uc790\uc5d0\uac8c \ubd84\ubc30\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uc5ec\ub7ec \uc8fc\uc5d0 \ubd80\ub3d9\uc0b0\uc744 \uc18c\uc720\ud558\uc2e0 \ubd84\ub4e4\uc740 \uaf2d \uc0dd\uc804\uc2e0\ud0c1\uc744 \uace0\ub824\ud558\uc2dc\uae30\ub97c \uad8c\ud574\ub4dc\ub9bd\ub2c8\ub2e4. \uc65c\ub0d0\ud558\uba74, \uc0dd\uc804\uc2e0\ud0c1\uc5d0 \ubd80\ub3d9\uc0b0\uc758 \uc18c\uc720\uad8c\uc744 \uc774\uc804\ud558\uc9c0 \uc54a\uc740 \ucc44\ub85c \uc0ac\ub9dd\ud558\uac8c \ub418\uba74 \ubd80\ub3d9\uc0b0\uc774 \uc704\uce58\ud55c \uac01 \uc8fc\uc758 \uc720\uc5b8\uac80\uc99d \uc808\ucc28\ub97c \uc804\ubd80 \uac70\uccd0\uc57c \ud558\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc0dd\uc804\uc2e0\ud0c1\uc758 \ub610 \ub2e4\ub978 \uc7a5\uc810\uc73c\ub85c\ub294 \ud504\ub77c\uc774\ubc84\uc2dc\ub97c \ub4e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc720\uc5b8\uc7a5 \uac19\uc740 \uacbd\uc6b0\uc5d0\ub294 \uc720\uc5b8\uac80\uc99d\uc774 \uc2dc\uc791\ub418\ub294 \uc21c\uac04 \uacf5\uacf5\ubb38\uc11c\ub85c \ucde8\uae09\ub429\ub2c8\ub2e4. \ub530\ub77c\uc11c, \ud0c0\uc778\uc774 \uc6d0\ud55c\ub2e4\uba74 \uc720\uc5b8\uc7a5\uc758 \ub0b4\uc6a9\uc744 \ubcfc \uc218 \uc788\uace0 \uace0\uc778\uc758 \uc5b4\ub5a4 \uc790\uc0b0\uc744 \uac00\uc9c0\uace0 \uc788\uc5c8\ub294\uc9c0\ub3c4 \ud30c\uc545\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\uc640 \ubc18\ub300\ub85c \uc0dd\uc804\uc2e0\ud0c1\uc740 \uc9c0\uadf9\ud788 \uac1c\uc778\uc801\uc778 \ubb38\uc11c\ub85c\uc11c \uc2e0\ud0c1\uc758 \ub2f9\uc0ac\uc790\ub4e4\uc774 \uc6d0\uce58 \uc54a\ub294 \uc774\uc0c1 \ud0c0\uc778\uc774 \uc2e0\ud0c1\uc758 \ub0b4\uc6a9\uc744 \uc54c \uc218\uac00 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc774 \uc678\uc5d0\ub3c4 \uc0dd\uc804\uc2dd\ud0c1\uc740 \ub9ce\uc740 \uc7a5\uc810\uc774 \uc788\ub294 \uc720\uc0b0\uad00\ub9ac \ubc29\uc2dd\uc785\ub2c8\ub2e4. \ub2e4\uc74c \uc2dc\uac04\uc5d0\ub294 \ub9ce\uc740 \uace0\uac1d\uc774 \uc9c8\ubb38\ud558\uc2dc\ub294 \ub0b4\uc6a9\uc744 \ud1a0\ub300\ub85c \uc0dd\uc804\uc2e0\ud0c1\uc5d0 \ub300\ud574 \ub354\uc6b1 \uc0c1\uc138\ud558\uac8c \uc54c\uc544\ubcf4\ub3c4\ub85d \ud558\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc0ac\ub78c\ub4e4\uc740 \uc0b4\uc544 \uc788\ub294 \ub3d9\uc548 \ucc38 \ub9ce\uc740 \uac83\ub4e4\uc744 \uad00\ub9ac\ud569\ub2c8\ub2e4. \ud53c\ubd80\uad00\ub9ac, \ud5e4\uc5b4\uad00\ub9ac, \uc190\ud1b1\uad00\ub9ac, \ud1b5\uc7a5\uad00\ub9ac, \uc815\uc6d0\uad00\ub9ac, \uc778\ub9e5\uad00\ub9ac \ub4f1 \uc774\ub8e8 \ub9d0\ud560 \uc218 \uc5c6\uc774 \ub9ce\uc740 \uac83\ub4e4\uc744 \uad00\ub9ac\ud569\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc774 \ubaa8\ub4e0 \uac83\ub4e4\uc774 \uc0dd\uc804\uc5d0 \uc798 \uad00\ub9ac\uac00 \ub418\uc5c8\ub2e4\uace0 \ud558\ub354\ub77c\ub3c4 \uc720\uc0b0\uad00\ub9ac\uac00 \uc81c\ub300\ub85c \uc774\ub8e8\uc5b4\uc9c0\uc9c0 \uc54a\ub294\ub2e4\uba74 \uc544\ub984\ub2e4\uc6b4 \ub9c8\ubb34\ub9ac\ub97c \uc9c0\uc5c8\ub2e4\uace0 \ud560 \uc218 \uc5c6\uc744 \uac83\uc785\ub2c8\ub2e4. \uc0dd\uc804\uc2e0\ud0c1\uc744 \ube44\ub86f\ud558\uc5ec \uc790\uc2e0\uc5d0\uac8c \ub9de\ub294 \uc720\uc0b0\uad00\ub9ac \ubc29\uc2dd\uc774 \ubb34\uc5c7\uc778\uc9c0 \uc54c\uace0 \uc2f6\uc73c\uc2e0 \ubd84\ub4e4\uc740 \uc720\uc0b0\uad00\ub9ac\uc5d0 \uacbd\ud5d8\uc774 \ud48d\ubd80\ud55c \ubcc0\ud638\uc0ac\uc5d0\uac8c \ubc18\ub4dc\uc2dc \uc0c1\ub2f4\ubc1b\uc73c\uc154\uc11c \uc778\uc0dd\uc758 \ub9c8\uc9c0\ub9c9 \uc219\uc81c\ub97c \ud6a8\uacfc\uc801\uc774\uace0 \uacc4\ud68d\uc801\uc73c\ub85c \ud574\uacb0\ud558\uc2dc\uae30\ub97c \uad8c\uc720\ud574 \ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\n<p>\uce7c\ub7fc \ub0b4\uc6a9\uc5d0 \ub300\ud55c \ucd94\uac00 \ubb38\uc758\uc0ac\ud56d\uc774 \uc788\uc73c\uc2dc\uac70\ub098, \ub3c5\uc790\ubd84\ub4e4\uaed8\uc11c \uc54c\uace0 \uc2f6\uc73c\uc2e0 \ubc95\ub960\uc774 \uc788\uc73c\uba74 \uc8fc\uc800\ud558\uc9c0 \ub9c8\uc2dc\uace0mail@songlawfirm.com \uc73c\ub85c \ubb38\uc758\ud574\uc8fc\uc138\uc694.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc548\ub155\ud558\uc138\uc694, \uc1a1\ub3d9\ud638 \uc885\ud569\ub85c\ud38c\uc785\ub2c8\ub2e4. \ub3d9\ubb3c\uc740 \uc8fd\uc5b4\uc11c \uac00\uc8fd\uc744 \ub0a8\uae30\uace0 \uc0ac\ub78c\uc740 \uc8fd\uc5b4\uc11c \uc774\ub984\uc744 \ub0a8\uae34\ub2e4\ub294 \ub9d0\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc694\uc998\uc740 \uc774\ub984 \uc678\uc5d0\ub3c4 \ub0a8\uae38 \uac83\ub4e4\uc774 \ucc38 \ub9ce\uc740 \uc138\uc0c1\uc785\ub2c8\ub2e4. \ud55c\ud3c9\uc0dd \uc5f4\uc2ec\ud788 \uc77c\ud558\uc5ec \uac74\uac15\ud558\uace0 \uc990\uac70\uc6b4 \uc18c\ube44\uc0dd\ud65c\uc744 \uc990\uae34\ub2e4\ub294 \uac83\uc740 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