{"id":2788,"date":"2025-05-17T14:19:02","date_gmt":"2025-05-17T06:19:02","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2788"},"modified":"2025-05-17T14:19:02","modified_gmt":"2025-05-17T06:19:02","slug":"%e8%b6%8a%e5%8d%97%e4%ba%ba%e6%9c%80%e5%b8%b8%e7%94%a8%e7%9a%84%e6%94%af%e4%bb%98%e5%b7%a5%e5%85%b7%e6%98%af%e5%93%aa%e4%ba%9b%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/05\/17\/%e8%b6%8a%e5%8d%97%e4%ba%ba%e6%9c%80%e5%b8%b8%e7%94%a8%e7%9a%84%e6%94%af%e4%bb%98%e5%b7%a5%e5%85%b7%e6%98%af%e5%93%aa%e4%ba%9b%ef%bc%9f\/","title":{"rendered":"\ubca0\ud2b8\ub0a8\uc778\uc774 \uac00\uc7a5 \ub9ce\uc774 \uc0ac\uc6a9\ud558\ub294 \uacb0\uc81c \ub3c4\uad6c\ub294 \ubb34\uc5c7\uc778\uac00\uc694?"},"content":{"rendered":"<h1>\ubca0\ud2b8\ub0a8\uc778\uc774 \uac00\uc7a5 \ub9ce\uc774 \uc0ac\uc6a9\ud558\ub294 \uacb0\uc81c \ub3c4\uad6c\ub294 \ubb34\uc5c7\uc778\uac00\uc694?<\/h1>\n<h2>\uc18c\uac1c<\/h2>\n<p>\ub514\uc9c0\ud138 \uacbd\uc81c\uc758 \uae09\uc18d\ud55c \ubc1c\uc804\uacfc \ud568\uaed8 \ubca0\ud2b8\ub0a8\uc758 \uc804\uc790\uacb0\uc81c \uc2dc\uc7a5\uc740 \ucd5c\uadfc \uba87 \ub144\uac04 \ud3ed\ubc1c\uc801\uc778 \uc131\uc7a5\uc138\ub97c \ubcf4\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub3d9\ub0a8\uc544\uc2dc\uc544\uc5d0\uc11c \uac00\uc7a5 \uc5ed\ub3d9\uc801\uc778 \uacbd\uc81c \uad6d\uac00 \uc911 \ud558\ub098\uc778 \ubca0\ud2b8\ub0a8\uc758 \uacb0\uc81c \uc0dd\ud0dc\uacc4\ub294 \uc804\ub840 \uc5c6\ub294 \ubcc0\ud654\ub97c \uacaa\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uae00\uc5d0\uc11c\ub294 \uc804\ud1b5\uc801\uc778 \ubc29\ubc95\uacfc \uc0c8\ub85c\uc6b4 \ub514\uc9c0\ud138 \uacb0\uc81c \uc194\ub8e8\uc158\uc744 \ud3ec\ud568\ud558\uc5ec \uc624\ub298\ub0a0 \ubca0\ud2b8\ub0a8 \uc18c\ube44\uc790\ub4e4\uc774 \uac00\uc7a5 \uc77c\ubc18\uc801\uc73c\ub85c \uc0ac\uc6a9\ud558\ub294 \uacb0\uc81c \ub3c4\uad6c\uc5d0 \ub300\ud574 \uc2ec\uce35\uc801\uc73c\ub85c \ubd84\uc11d\ud574 \ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<h2>\ubca0\ud2b8\ub0a8\uc758 \ud604\uae08 \ud604\ud669<\/h2>\n<p>\uc804\uc790 \uacb0\uc81c\uc758 \uae09\uc18d\ud55c \uc131\uc7a5\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0.<strong>\ud604\uae08\uc740 \uc5ec\uc804\ud788 \ub9ce\uc740 \uac70\ub798\uc758 \uae30\ubcf8\uc785\ub2c8\ub2e4.<\/strong>::<\/p>\n<ul>\n<li><strong>\uc77c\uc0c1\uc801\uc778 \uc18c\uc561 \uac70\ub798\ub97c \uc704\ud55c \uccab \ubc88\uc9f8 \uc120\ud0dd<\/strong>\ud478\ub4dc \ub9c8\ucf13\uc774\ub098 \ub178\uc810\uc0c1\uacfc \uac19\uc740 \uc7a5\uba74\uc740 \uc5ec\uc804\ud788 \ud604\uae08\uc744 \uae30\ubc18\uc73c\ub85c \ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\ub18d\ucd0c \uc9c0\uc5ed\uc5d0\uc11c \ub110\ub9ac \uc0ac\uc6a9<\/strong>\uc740\ud589 \uc11c\ube44\uc2a4 \ucee4\ubc84\ub9ac\uc9c0\uac00 \ub0ae\uc740 \uc9c0\uc5ed\uc758 \ud604\uae08 \uc758\uc874\ub3c4<\/li>\n<li><strong>\ubb38\ud654\uc801 \uad00\ud589\uc758 \uc601\ud5a5<\/strong>\uace0\ub839\uce35 \uc18c\ube44\uc790\ub294 '\ub208\uc5d0 \ubcf4\uc774\uace0 \uc190\uc5d0 \uc7a1\ud788\ub294' \ub3c8\uc5d0 \ub300\ud55c \uc2e0\ub8b0\uac00 \ub354 \ub192\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p>\ub370\uc774\ud130\uc5d0 \ub530\ub974\uba74 2022\ub144\uc5d0\ub3c4 \uc57d 801\uc870\uc6d0\uc758 \uac70\ub798\uac00 \uc5ec\uc804\ud788 \ud604\uae08\uc744 \ud1b5\ud574 \uc774\ub8e8\uc5b4\uc9c8 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\uc9c0\ub9cc, \uadf8 \ube44\uc728\uc740 \ub9e4\ub144 \uac10\uc18c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h2>\uce74\ub4dc \uacb0\uc81c\uc758 \uc778\uae30<\/h2>\n<h3>ATM \ubc0f \uc9c1\ubd88 \uce74\ub4dc<\/h3>\n<ol>\n<li>\n<p><strong>\uad6d\ub0b4 \uc740\ud589\uc5d0\uc11c \ubc1c\uae09\ud55c \uce74\ub4dc\uac00 \uc2dc\uc7a5\uc744 \uc7a5\uc545\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/strong><\/p>\n<ul>\n<li>\ube44\uc5e3\ucf64\uc740\ud589, \ube44\uc5e3\ud2f4\uc740\ud589, BIDV \ub4f1 \uad6d\uc601 \uc0c1\uc5c5 \uc740\ud589\uc774 \uc8fc\uc694 \uc810\uc720\uc728\uc744 \ucc28\uc9c0\ud569\ub2c8\ub2e4.<\/li>\n<li>\ud14c\ud06c\ucf64\ubc45\ud06c, VP\ubc45\ud06c \ubc0f \uae30\ud0c0 \uc8fc\uc2dd\ud68c\uc0ac\uc758 \ube60\ub978 \uc131\uc7a5<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\uc0ac\uc6a9 \ud2b9\uc131<\/strong><\/p>\n<ul>\n<li>ATM \ud604\uae08 \uc778\ucd9c\uc740 \uc5ec\uc804\ud788 \uc8fc\uc694 \uae30\ub2a5\uc785\ub2c8\ub2e4.<\/li>\n<li>POS \uce74\ub4dc \uc9c0\ucd9c\uc758 \uc810\uc9c4\uc801 \uc99d\uac00(\uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960 \uc57d 15%)<\/li>\n<li>\ub300\ubd80\ubd84 \ub85c\uceec \uce69 \uce74\ub4dc \ud45c\uc900 \ubc0f \uad6d\uc81c \ub124\ud2b8\uc6cc\ud06c(\ube44\uc790\/\ub9c8\uc2a4\ud130\uce74\ub4dc)\ub97c \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h3>\uc2e0\uc6a9\uce74\ub4dc \uac1c\ubc1c \ud604\ud669<\/h3>\n<p><em>\uc2e0\uc6a9\uce74\ub4dc \ubcf4\uae09\ub960\uc740 \uc0c1\ub300\uc801\uc73c\ub85c \ub0ae\uc9c0\ub9cc \ub180\ub77c\uc6b4 \uc18d\ub3c4\ub85c \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/em><\/p>\n<ul>\n<li>2023\ub144 \uce74\ub4dc \ubc1c\uae09 \uac74\uc218 1,000\ub9cc \uac74 \ub3cc\ud30c(\uc804\ub144 \ub300\ube44 25% \uc99d\uac00)<\/li>\n<li>\uc8fc\ub85c \uc911\uc0c1\uc704 \uc18c\ub4dd\uce35 \ubc0f \ub300\ub7c9 \uad6c\ub9e4\uc5d0 \uc801\ud569\ud569\ub2c8\ub2e4.<\/li>\n<li>\uc2e0\ud55c\uc740\ud589, HSBC \ubc0f \uae30\ud0c0 \uc678\uad6d\uacc4 \uc740\ud589\uc758 \uace0\uae09 \uc0c1\ud488 \uc81c\uacf5<\/li>\n<\/ul>\n<h2>MoMo - \ubaa8\ubc14\uc77c \uacb0\uc81c\uc758 \uc120\ub450\uc8fc\uc790<\/h2>\n<p>\ud604\uc9c0 \uc2a4\ud0c0 \uae30\uc5c5\uc73c\ub85c\uc11c MoMo\ub294<strong>\uc0ac\uc6a9\uc790 \uc218\uac00 \uac00\uc7a5 \ub9ce\uc740 \uc804\uc790\uc9c0\uac11<\/strong><\/p>\n<p>\ud575\uc2ec \uac15\uc810:<br \/>\n\u221a 3,000\ub9cc \uba85 \uc774\uc0c1\uc758 \ub4f1\ub85d \uc0ac\uc6a9\uc790(\uc131\uc778 \uc778\uad6c\uc758 40% \uc774\uc0c1)<br \/>\n\u221a 200,000\uac1c \uc774\uc0c1\uc758 \uc624\ud504\ub77c\uc778 \uc218\uac70 \uc9c0\uc810 \ucee4\ubc84\ub9ac\uc9c0<br \/>\n\u221a \uacf5\uacfc\uae08 \ub0a9\ubd80, \ud734\ub300\ud3f0 \ucda9\uc804 \ub4f1 50\uac1c \uc774\uc0c1\uc758 \uc11c\ube44\uc2a4\ub97c \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc5c5\ub370\uc774\ud2b8:<br \/>\n\u2192 MoMo \uc2e0\uc6a9 \uc11c\ube44\uc2a4 \ucd9c\uc2dc\ub85c \uae08\uc735 \uc0dd\ud0dc\uacc4 \ud655\ub300<br \/>\n\u2192 \ubaa8\ube4c\ub9ac\ud2f0 \ucee4\ubc84\ub9ac\uc9c0 \uac15\ud654\ub97c \uc704\ud55c \uadf8\ub7a9\uacfc\uc758 \uc804\ub7b5\uc801 \ud30c\ud2b8\ub108\uc2ed \uccb4\uacb0<\/p>\n<h2>ZaloPay - \uc18c\uc15c \uc18d\uc131\uc774 \ucd94\uac00\ub41c \uacbd\uc7c1\uc790<\/h2>\n<p>7\ucc9c\ub9cc \uba85\uc758 \uc0ac\uc6a9\uc790\ub97c \ubcf4\uc720\ud55c Zalo \uc18c\uc15c \ud50c\ub7ab\ud3fc\uc758 \uc9c0\uc6d0\uc744 \ubc1b\ub294 ZaloPay\ub294 \ub3c5\ubcf4\uc801\uc778 \uc774\uc810\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4:<\/p>\n<p>&#8211;<strong>\uc6d0\ud65c\ud55c \uc18c\uc15c \uc804\uc1a1 \uacbd\ud5d8<\/strong><br \/>\n&#8211;<strong>\uac8c\uc784 \ucda9\uc804\uacfc \uac19\uc740 \ube48\ub3c4\uac00 \ub192\uc740 \uc560\ud50c\ub9ac\ucf00\uc774\uc158 \uc2dc\ub098\ub9ac\uc624<\/strong><br \/>\n&#8211;<strong>\uad6c\uc815 \ub808\ub4dc \ud328\ud0b7 \ucea0\ud398\uc778\uc73c\ub85c \ud3ed\ubc1c\uc801\uc778 \uc131\uc7a5\uc138 \ucc3d\ucd9c<\/strong><\/p>\n<p>\uc2dc\uc7a5 \uc810\uc720\uc728\uc740 18%\uc5d0 \ub2ec\ud558\uba70 \ud2b9\ud788 \uc80a\uc740 \uc5f0\ub839\uce35\uc5d0\uc11c \ud638\ud3c9\uc744 \ubc1b\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h2>ShopeePay - \uc804\uc790\uc0c1\uac70\ub798 \ub4dc\ub77c\uc774\ube0c\uc758 \ub5a0\uc624\ub974\ub294 \uc2a4\ud0c0<\/h2>\n<p>Shopee\uc758 \uac15\ub825\ud55c \uc774\ucee4\uba38\uc2a4 \ud50c\ub7ab\ud3fc\uc744 \ud65c\uc6a9\ud558\uc138\uc694:<br \/>\n\uc8fc\ubb38 \uacb0\uc81c \uc790\ub3d9 \uc810\ud504\ub97c \ud1b5\ud55c \uc804\ud658\uc728 \ud5a5\uc0c1<br \/>\n\uc0ac\uc6a9\uc790 \uc2b5\uad00 \ud615\uc131\uc744 \uc704\ud55c \ubb34\ub8cc \ubc30\uc1a1 \ud61c\ud0dd<br \/>\n\uc989\uc2dc \uacb0\uc81c \uae30\ub2a5 \ud601\uc2e0\uc774 \uc801\uc6a9\ub41c \ub77c\uc774\ube0c \ubc29\uc1a1<\/p>\n<h2>\uc740\ud589 \uc571 \uc9c1\uc811 \uacb0\uc81c<\/h2>\n<p>\ubca0\ud2b8\ub0a8\uc758 \uc8fc\uc694 \uc740\ud589\ub4e4\uc740 \uc790\uccb4 \ub514\uc9c0\ud138 \ucc44\ub110\uc744 \uc801\uadf9\uc801\uc73c\ub85c \uac1c\ubc1c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n<ol>\n<li>\n<p><strong>\ube44\uc5e3\ucf64\ubc45\ud06c \ud398\uc774<\/strong><\/p>\n<ul>\n<li>\uad6d\uc601 \uc740\ud589\uc744 \uc704\ud55c \ub514\uc9c0\ud138 \ud601\uc2e0 \ubca4\uce58\ub9c8\ud0b9<\/li>\n<li>\uc740\ud589 \uac04 \uc2e0\uc18d \uc774\uccb4 \uc11c\ube44\uc2a4 \uc81c\uacf5(NAPAS 247 \uc2dc\uc2a4\ud15c)<\/li>\n<li>2023\ub144\uae4c\uc9c0 800\ub9cc \uc0ac\uc6a9\uc790 \ub3cc\ud30c<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>MB \uc740\ud589 MBBank \uc571<\/strong><\/p>\n<ul>\n<li>UI\/UX \ub514\uc790\uc778 \ubd80\ubb38 \uad6d\uc81c \uc5b4\uc6cc\ub4dc<\/li>\n<li>\"\uc5ec\ub7ec \uc0dd\ud65c \uc11c\ube44\uc2a4\ub97c \ud1b5\ud569\ud558\ub294 '\uc288\ud37c \uc571' \uc804\ub7b5<\/li>\n<li>\uc804\uad6d \ud3b8\uc758\uc810 \uccb4\uc778\uc5d0\uc11c \uc0ac\uc6a9 \uac00\ub2a5\ud55c QR \uacb0\uc81c<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<p><em>\ub370\uc774\ud130\uc5d0 \ub530\ub974\uba74 \ubc45\ud0b9 \uc571\uc758 \uc6d4\uac04 \ud65c\uc131 \uc0ac\uc6a9\uc790 \uc218\ub294 4,500\ub9cc \uba85 \uc774\uc0c1\uc785\ub2c8\ub2e4.<\/em><\/p>\n<h2>\uadf8\ub7a9\ud398\uc774 - \uad6d\uacbd\uc744 \ucd08\uc6d4\ud55c \uc0dd\ud0dc\uacc4\uc758 \ub300\ud45c\uc8fc\uc790<\/h2>\n<p>\uc9c0\uc5ed\ud654\ub41c \ud50c\ub7ab\ud3fc\uc778 GrabPay\ub294 \ubca0\ud2b8\ub0a8\uc5d0\uc11c \ub450\ub4dc\ub7ec\uc9c4 \ud2b9\uc9d5\uc744 \ubcf4\uc785\ub2c8\ub2e4:<br \/>\n\uc9c0\uc5ed \ud0dd\uc2dc \ubc0f \ud14c\uc774\ud06c\uc544\uc6c3 \ube44\uc988\ub2c8\uc2a4\uc640 \ubc00\uc811\ud55c \uad00\ub828\uc774 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n\uc2f1\uac00\ud3ec\ub974, \ubca0\ud2b8\ub0a8, \ub9d0\ub808\uc774\uc2dc\uc544 3\uac1c\uad6d \uac04\uc758 \uc9c0\uac11 \uc0c1\ud638 \uc6b4\uc6a9\uc131 \uc9c0\uc6d0<br \/>\n\uad00\uad11\uac1d\uc744 \uc704\ud55c \ud658\uc804 \uae30\ub2a5<\/p>\n<p>GrabPay Later\ub294 \uac00\uc7a5 \ucd5c\uadfc\uc5d0 \ucd9c\uc2dc\ub41c \uc11c\ube44\uc2a4\uc785\ub2c8\ub2e4.<\/p>\n<h2>PayPal\uc758 \uad6d\uc81c \uac70\ub798 \uc5ed\ud560<\/h2>\n<p>\uace0\uc720\ud55c \uc0ac\uc6a9\uc740 \uc81c\ud55c\uc801\uc774\uc9c0\ub9cc \ud2b9\uc815 \uc601\uc5ed\uc5d0\uc11c\ub294 \ud544\uc218\uc801\uc785\ub2c8\ub2e4:<\/p>\n<ul>\n<li><strong>\ud06c\ub85c\uc2a4\ubcf4\ub354 \uc774\ucee4\uba38\uc2a4\ub97c \uc704\ud55c \uccab \ubc88\uc9f8 \uc120\ud0dd<\/strong>\uc218\ucd9c \uc804\uc790\uc0c1\uac70\ub798 \ud310\ub9e4\uc790\ub97c \uc704\ud55c 90% \uc561\uc138\uc2a4 \uad8c\ud55c<\/li>\n<li><strong>\ud504\ub9ac\ub79c\uc11c \uceec\ub809\uc158<\/strong>Upwork\uc640 \uac19\uc740 \ud50c\ub7ab\ud3fc\uc5d0\uc11c \ud604\uae08\uc744 \uc778\ucd9c\ud558\ub294 \uc8fc\uc694 \ubc29\ubc95<\/li>\n<li><em>\ucc38\uace0: \uc804\uccb4 \uc0ac\uc6a9\uc744 \uc704\ud574\uc11c\ub294 \uad6d\uc81c \uc2e0\uc6a9 \uce74\ub4dc\uac00 \ud544\uc694\ud569\ub2c8\ub2e4.<\/em><\/li>\n<\/ul>\n<h2>NAPAS \uad6d\uac00 \uacb0\uc81c \ub124\ud2b8\uc6cc\ud06c \uc778\ud504\ub77c<\/h2>\n<p>\ubca0\ud2b8\ub0a8 \uc911\uc559\uc740\ud589\uc774 \uc8fc\ub3c4\ud558\ub294 \uc774 \uc2dc\uc2a4\ud15c\uc740 \uc5f0\uacb0\uc131\uc744 \ub4b7\ubc1b\uce68\ud569\ub2c8\ub2e4:<br \/>\n\uad6d\ub0b4 \ubaa8\ub4e0 \uc740\ud589 \ubc0f \uc77c\ubd80 \uc804\uc790\uc9c0\uac11\uc5d0 \uc5f0\uacb0 \uac00\ub2a5<br \/>\n\ud45c\uc900\ud654\ub41c QR\ucf54\ub4dc(VietQR)\ub85c \ud68d\ub4dd \ube44\uc6a9 \uc808\uac10<br \/>\n\ucd08\ub2f9 6000\uac1c \uc774\uc0c1\uc758 \ud2b8\ub79c\uc7ad\uc158\uc744 \ucc98\ub9ac\ud558\ub294 \ucd5c\ub300 \uc6a9\ub7c9<\/p>\n<p>\uc2e4\uc2dc\uac04 \uad6d\uacbd \uac04 \uccad\uc0b0 \uc11c\ube44\uc2a4\ub294 2024\ub144\uc5d0 \ucd9c\uc2dc\ub420 \uc608\uc815\uc785\ub2c8\ub2e4.<\/p>\n<h2>\uc0c8\ub85c\uc6b4 \ud2b8\ub80c\ub4dc\uc640 \ud5a5\ud6c4 \uc804\ub9dd<\/h2>\n<h3>\uc9c0\uae08 \uad6c\ub9e4\ud558\uace0 \ub098\uc911\uc5d0 \uc9c0\ubd88\ud558\ub294 BNPL\uc758 \ubd80\uc0c1<\/h3>\n<ul>\n<li>\ud380\ub514\uc778, \ud06c\ub808\ub514\ubcf4 \ubc0f \uae30\ud0c0 \ud380\ub529\uc5d0 \uc801\uadf9\uc801\uc778 \ud50c\ub7ab\ud3fc<\/li>\n<li>\uc8fc\ub85c \uc804\uc790 \uc81c\ud488 \ud560\ubd80 \uad6c\ub9e4\uc5d0 \uc0ac\uc6a9\ub428<\/li>\n<\/ul>\n<h3>CBDC \ub514\uc9c0\ud138 \ud654\ud3d0 \ud30c\uc77c\ub7ff<\/h3>\n<ul>\n<li>\uc911\uc559\uc740\ud589, e-VND \uc0cc\ub4dc\ubc15\uc2a4 \ud14c\uc2a4\ud2b8 \uc2dc\uc791<\/li>\n<li>1\ub2e8\uacc4\ub294 \ub300\ub7c9 \uac70\ub798 \uacb0\uc81c\uc5d0 \uc911\uc810\uc744 \ub461\ub2c8\ub2e4.<\/li>\n<\/ul>\n<h3>AI \uae30\ubc18\uc758 \ud601\uc2e0\uc801\uc778 \uc560\ud50c\ub9ac\ucf00\uc774\uc158<\/h3>\n<p>\uc74c\uc131 \uc778\uc2dd \uacb0\uc81c (Viettel Pay\uac00 \uc774\uc81c \uc628\ub77c\uc778 \uc0c1\ud0dc\uc785\ub2c8\ub2e4)<br \/>\n\uc0dd\uccb4\uc778\uc99d \ubcf4\uae09\ub960 \uc5f0\ub0b4 65% \ub2ec\uc131<\/p>\n<hr>\n<p>\uc704\uc758 \ubd84\uc11d\uc5d0 \ub530\ub974\uba74 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