Finance Los Angeles

Start investing with just $100

Today, I read an article from MS Money, which I set up last night to monitor and manage my cash flows.

It talks about diversifying a portfolio even with small amount of money. The main idea is buying ETFs which are:

  • Vanguard Total Stock Market VIPER (VTI, news, msgs), which tracks the Wilshire 5000, an index of approximately 6,500 U.S-based stocks. It’s like buying virtually the entire stock market.
  • iShares MSCI-EAFE (EFA, news, msgs), which corresponds to the Morgan Stanley index of stocks trading in Europe, Australia and the Far East.
  • iShares Lehman Aggregate Bond (AGG, news, msgs), which attempts to track the price and yield performance of the total U.S. investment grade bond market.
  • iShares Dow Jones US Real Estate (IYR, news, msgs), which holds a basket of 75 real estate investment trusts (REITs) that represent that sector of the U.S. economy.
  • iShares Dow Jones US Basic Materials (IYM, news, msgs), which includes stocks in the energy, basic materials and precious metals sectors. (Once your portfolio reaches a total value of at least $25,000 — and it will! — you’ll want to switch your commodity allocation to the PIMCO Commodity Real Return Strategy fund (PCRDX), which more accurately captures the returns of the commodity futures market than a collection of stocks can. The fund has a minimum initial investment of $2,500, which makes it impractical for smaller accounts.)

To keep your expenses as small as possible, he recommends to use ShareBuilder.

Well, let’s start. I think that sooner would be better. ๐Ÿ™‚

Finance Korean Los Angeles

[Review] Revolutionary Wealth by Alvin Toffler

๋ถ€์˜ ๋ฏธ๋ž˜ – ์•จ๋นˆ ํ† ํ”Œ๋Ÿฌ

์„ธ ์ค„ ์š”์•ฝํ•˜๋ฉด,

  1. ์šฐ๋ฆฌ๋Š” ์—ญ์‚ฌ์ƒ ์œ ๋ž˜๊ฐ€ ์—†๋Š” ํ˜๋ช…์ ์ธ ๋ถ€์˜ ํ™•์žฅ์„ ๊ฒช๊ณ  ์žˆ๋‹ค.
  2. ์ด๋Š” ์ œ 3๋ฌผ๊ฒฐ์ธ ์ง€์‹ ํ˜๋ช…์œผ๋กœ ์ธํ•œ ์‹œ๊ฐ„์˜ ์žฌ์ •๋ ฌ, ๊ณต๊ฐ„์˜ ํ™•์žฅ, ์ง€์‹์˜ ๋ฒ”๋žŒ๊ณผ ๊ฐ™์€ ์‹ฌ์ธต ๊ธฐ๋ฐ˜์˜ ๋ณ€ํ™”์™€ ํ™”ํ์™ธ ๊ฒฝ์ œ์˜ ์—ญํ™œ ํ™•๋Œ€์—์„œ ๋น„๋กฏํ•œ๋‹ค.
  3. ์—ฌ๋Ÿฌ ๋ฐ˜๋™์ ์ธ ์œ„ํ—˜ ์š”์†Œ์—๋„ ๋ถˆ๊ตฌํ•˜๊ณ  ํ˜๋ช…์ ์ธ ๋ถ€์˜ ํ™•์žฅ์€ ์ง€์†๋  ๊ฒƒ์ด๋ฉฐ, ์ธ๋ฅ˜์—๊ฒŒ ํฐ ๊ธฐํšŒ๋ฅผ ์ œ๊ณตํ•  ๊ฒƒ์ด๋‹ค.

๋‚ด์šฉ์„ ์ง์ ‘ ์ •๋ฆฌํ•˜๋ ค๋‹ค๊ฐ€, ์ถœํŒ์‚ฌ ๋ฆฌ๋ทฐ๊ฐ€ ๋„ˆ๋ฌด ์ž˜ ๋˜์–ด ์žˆ๊ธฐ์— ๊ทธ๋ƒฅ ์˜ฎ๊ฒจ ๋†“๋Š”๋‹ค.

์‹œ๊ฐ„, ๊ณต๊ฐ„, ์ง€์‹์ด ์–ด์šฐ๋ฅด๋Š” ์ƒˆ๋กœ์šด ํ˜๋ช…์˜ ์‹œ๋Œ€
์•จ๋นˆ ํ† ํ”Œ๋Ÿฌ๋Š” ํ˜๋ช…์  ๋ถ€ ์ฐฝ์ถœ์˜ ์š”์ธ์œผ๋กœ ์‹œ๊ฐ„, ๊ณต๊ฐ„, ์ง€์‹์„ ๊ผฝ๋Š”๋‹ค. ๊ทธ๋Š” ์ž์นซ ํ‰๋ฒ”ํ•ด ๋ณด์ผ ์ˆ˜๋„ ์žˆ๋Š” ์ด ์š”์ธ์„ ๋น„์ฆˆ๋‹ˆ์Šค๋Š” ๋ฌผ๋ก  ๊ฒฝ์ œ, ์‚ฌํšŒ ์ „๋ฐ˜์„ ์ฃผ๊ด€ํ•˜๋Š” ๊ธฐ๋ฐ˜(fundamental, ํŽ€๋”๋ฉ˜ํ„ธ) ๋‚ด๋ฉด ๊นŠ์ˆ™ํ•œ ๊ณณ์—์„œ๋ถ€ํ„ฐ ์ž‘์šฉํ•˜๊ณ  ์žˆ๋Š” ์‹ฌ์ธต ๊ธฐ๋ฐ˜(deep fundamentals)์œผ๋กœ ๊ทœ์ •ํ–ˆ๋‹ค.๋จผ์ € ๊ทธ๋Š” ์„ธ๊ณ„๊ฐ€ ์ง๋ฉดํ•˜๊ณ  ์žˆ๋Š” ์œ„๊ธฐ ์ƒํ™ฉ์ด ์†๋„์˜ ์ถฉ๋Œ ๋•Œ๋ฌธ์ž„์„ ๋ฐํžŒ๋‹ค. ๊ฒฝ์ œ ๋ฐœ์ „์˜ ์†๋„๋ฅผ ์‚ฌํšŒ ์ œ๋„๋‚˜ ์ •์ฑ… ๋“ฑ์ด ๋ณด์กฐํ•˜์ง€ ๋ชปํ•˜๊ธฐ ๋•Œ๋ฌธ์ด๋ผ๋Š” ๊ฒƒ์ด๋‹ค. ๊ธฐ์—…์€ ์‹œ์† 100๋งˆ์ผ์˜ ์†๋„๋กœ ํ˜์‹ ์— ํ˜์‹ ์„ ๊ฑฐ๋“ญํ•˜๊ณ  ์žˆ์ง€๋งŒ ์ •๋ถ€์™€ ๊ด€๋ฃŒ์กฐ์ง, ์ •์ฑ…๊ณผ ๋ฒ• ์ œ๋„๋Š” 30๋งˆ์ผ๋„ ์•ˆ๋˜๋Š” ์†๋„๋กœ ๊ฑฐ๋ถ์ด๊ฑธ์Œ์„ ํ•˜๊ณ  ์žˆ๋‹ค๊ณ  ๊ผฌ์ง‘๋Š”๋‹ค. ์ด๋Ÿฐ ์†๋„์˜ ์ฐจ์ด๋Š” ๊ฒฐ๊ตญ ์ƒํ˜ธ ์ถฉ๋Œ์„ ์•ผ๊ธฐํ•˜๊ณ  ๋ณ€ํ™”, ๋ฐœ์ „์˜ ํ๋ฆ„์„ ์ €ํ•ดํ•˜๋Š” ์š”์†Œ๋กœ ์ž‘์šฉํ•œ๋‹ค.
๋‹ค์Œ์œผ๋กœ ๊ทธ๋Š” ๋ถ€์˜ ๊ณต๊ฐ„์  ์ด๋™์— ๊ด€ํ•ด ์ฃผ๋ชฉํ•˜๋Š”๋ฐ ์•„์‹œ์•„, ํŠนํžˆ ์ค‘๊ตญ์ด ์„ธ๊ณ„์˜ ๋ถ€๋ฅผ ์ง€๋ฐฐํ•˜๊ฒŒ ๋  ๊ฒƒ์ด๋ผ๊ณ  ๋งํ•œ๋‹ค. ์—ญ์‚ฌ์  ๊ด€์ ์—์„œ ์•„์‹œ์•„๊ฐ€ ๊ฐ€์ง€๊ณ  ์žˆ๋˜ ๋ถ€์˜ ์ฃผ๋„๊ถŒ(๋ฐœ๋‹ฌ๋œ ๊ธฐ์ˆ )์ด ์‚ฐ์—…ํ˜๋ช…์ด๋ผ๋Š” ๋ณ€ํ˜์œผ๋กœ ์œ ๋Ÿฝ์œผ๋กœ ๋„˜์–ด๊ฐ”์œผ๋ฉฐ, 2์ฐจ ์„ธ๊ณ„๋Œ€์ „์œผ๋กœ ์ธํ•ด ๋ฏธ๊ตญ์œผ๋กœ ์˜ฎ๊ฒจ๊ฐ”๊ณ , ๋‹ค์‹œ ์ง€์‹ํ˜๋ช…์ด๋ผ๋Š” ์ œ3๋ฌผ๊ฒฐ๊ณผ ํ•จ๊ป˜ ๊ทธ ํ๋ฆ„์ด ์•„์‹œ์•„๋กœ ์›€์ง์ด๊ณ  ์žˆ๋‹ค๊ณ  ๋งํ•œ๋‹ค. ํŠนํžˆ ํ•œ ์‚ฌ๋žŒ์˜ ๊ฐœ๊ฐœ์ธ์ด ์˜ํ–ฅ์„ ๋ฐ›๊ณ  ๋ฏธ์น˜๋Š” ๊ณต๊ฐ„์ด ์ด์ „๊ณผ๋Š” ๋น„๊ตํ•  ์ˆ˜ ์—†์„ ๋งŒํผ ๋„“์–ด์ง€๊ณ  ์žˆ๋Š” ์ƒํ™ฉ์—์„œ ๋” ์ด์ƒ ์ง€์—ญ์ ์ธ ๊ฒฝ์ œ ํŒŒ์›Œ๋กœ๋Š” ์Šน๋ถ€๋ฅผ ๋‚ผ ์ˆ˜ ์—†์œผ๋ฉฐ, ๊ทธ๋Ÿฐ ๊ฒฌ์ง€์—์„œ ์ง„ํ–‰๋˜๊ณ  ์žˆ๋Š” ์žฌ์„ธ๊ณ„ํ™”์™€ ์šฐ์ฃผ ๊ณต๊ฐ„์œผ๋กœ์˜ ๋„์•ฝ์ด ๋ถ€ ์ฐฝ์ถœ ๋ฉด์—์„œ ํ˜๋ช…์  ์ „ํ™˜์„ ๊ฐ€์ ธ์˜ฌ ๊ฒƒ์ด๋ผ๊ณ  ๋‹จ์–ธํ•œ๋‹ค.ํ† ํ”Œ๋Ÿฌ๊ฐ€ ์ฃผ๋ชฉํ•œ ์‹ฌ์ธต ๊ธฐ๋ฐ˜ ์ค‘ ๊ฐ€์žฅ ํ•ต์‹ฌ์ ์ด๋ผ๊ณ  ํ•  ์ˆ˜ ์žˆ๋Š” ์ง€์‹์— ๊ด€ํ•ด์„œ๋Š” ๊ธฐ๋ณธ์ ์œผ๋กœ ์ง€์‹์ด ์ž๋ณธ์ฃผ์˜์˜ ์กด๋ฆฝ ๊ธฐ๋ฐ˜์ธ ๊ณต๊ธ‰์˜ ์œ ํ•œ์„ฑ์„ ๋›ฐ์–ด๋„˜๋Š”๋‹ค๋Š” ๊ฒƒ์— ์ฃผ๋ชฉํ•œ๋‹ค. ๊ทธ๋Š” ์ง€์‹์ด ์ƒํ˜ธ ์ž‘์šฉํ•˜๋ฉด์„œ ๋” ๊ฑฐ๋Œ€ํ•˜๊ณ , ํž˜ ์žˆ๋Š” ์ง€์‹์œผ๋กœ ์žฌํŽธ๋˜๊ณ  ์žˆ๋‹ค๊ณ  ๋งํ•œ๋‹ค. ๋”๋ถˆ์–ด ๋ฌดํ•œ๋Œ€์˜ ์†๋„๋กœ ์ง€์‹์ด ๋ณ€ํ™”, ๋ฐœ์ „ํ•˜๊ณ  ์žˆ๊ธฐ ๋•Œ๋ฌธ์— ๋ฌด์šฉ์ง€์‹๊ณผ ์ง„์‹ค์„ ๊ตฌ๋ณ„ํ•ด ๋‚ด๋Š” ๋ฐฉ๋ฒ•์„ ์ตํ˜€์•ผ ํ•œ๋‹ค๊ณ  ๊ฐ•์กฐํ•œ๋‹ค. ๊ทธ๋Š” ๊ธฐ์กด์˜ ์ง„์‹ค ์—ฌ๊ณผ ์žฅ์น˜์˜ ํ—ˆ์šธ๊ณผ ์ง„์‹ค ์—ฌ๊ณผ ์žฅ์น˜๋กœ์„œ์˜ ๊ณผํ•™์˜ ์ค‘์š”์„ฑ์„ ๋ฐํžˆ๋ฉฐ ์–ด๋–ค ์ง„์‹ค ์—ฌ๊ณผ์žฅ์น˜๋ฅผ ์‚ฌ์šฉํ•˜๋Š๋ƒ์— ๋”ฐ๋ผ ๋ฏธ๋ž˜ ๊ฒฝ์ œ์˜ ๋ชจ์Šต์ด ๋‹ฌ๋ผ์งˆ ๊ฒƒ์ด๊ณ  ๊ณผํ•™์— ๊ฐ€ํ•ด์ง€๋Š” ์œ„ํ˜‘์„ ํ•ด๊ฒฐํ•ด์•ผ๋งŒ ํ˜๋ช…์  ๋ถ€๋ฅผ ์ฐฝ์ถœํ•  ์ˆ˜ ์žˆ๋‹ค๊ณ  ์ฃผ์žฅํ•œ๋‹ค.์ธ๋ฅ˜์— ๊ฑฐ๋Œ€ํ•œ ์˜ํ–ฅ์„ ๋ฏธ์น˜๋Š” ๋˜ ํ•˜๋‚˜์˜ ๊ฒฝ์ œ
์•จ๋นˆ ํ† ํ”Œ๋Ÿฌ๋Š” ๊ฐ€์‹œํ™”๋œ ํ™”ํ ๊ฒฝ์ œ์™€ ํ•จ๊ป˜ ํ™”ํ ๊ฒฝ์ œ์— ์†ํ•ด ์žˆ์ง€๋งŒ ๋ณด์ด์ง€ ์•Š๋Š” ๊ฒฝ์ œ์ธ ๋น„ํ™”ํ ๊ฒฝ์ œ์— ๊ด€ํ•ด ์ฃผ๋ชฉํ•œ๋‹ค. ใ€Š์ œ3๋ฌผ๊ฒฐใ€‹์—์„œ ์ œ์‹œํ•œ, ํŒ๋งค๋‚˜ ๊ตํ™˜๋ณด๋‹ค ์ž์‹ ์˜ ์‚ฌ์šฉ์ด๋‚˜ ๋งŒ์กฑ์„ ์œ„ํ•ด ์„œ๋น„์Šค ์ œํ’ˆ, ๋˜๋Š” ๊ฒฝํ—˜์„ ์ƒ์‚ฐํ•˜๋Š” ์ด๋“ค์„ ์ง€์นญํ•˜๋Š” ์‹ ์กฐ์–ด์ธ ํ”„๋กœ์Šˆ๋จธ์™€ ํ”„๋กœ์Šˆ๋ฐ(์ƒ์‚ฐ์†Œ๋น„)์— ๊ด€ํ•ด ์ข€ ๋” ๊นŠ์€ ํ†ต์ฐฐ์„ ๋‚ด๋†“์•˜๋‹ค. ๊ทธ๋Š” ํ”„๋กœ์Šˆ๋จธ ๊ฒฝ์ œ๊ฐ€ ๊ธ‰์„ฑ์žฅํ•˜์—ฌ ํญ๋ฐœํ•  ๊ฒƒ์ด๋ผ๊ณ  ๊ฐ•์กฐํ•œ๋‹ค. ๊ทธ๋Š” ์—ญ์‚ฌ์  ๋ณ€ํ™˜์„ ๊ฐ€์ ธ์˜จ ๋‹ค์–‘ํ•œ ํ”„๋กœ์Šˆ๋จธ์˜ ์‚ฌ๋ก€๋ฅผ ๋“ค์–ด ํ”„๋กœ์Šˆ๋ฐ์ด ์–ด๋–ป๊ฒŒ ์‹œ์žฅ๊ณผ ์„ธ๊ณ„ ๊ฒฝ์ œ๋ฅผ ๋ณ€ํ™”์‹œํ‚ค๊ณ  ์žˆ๋Š”์ง€, ํ”„๋กœ์Šˆ๋จธ๊ฐ€ ์–ด๋–ป๊ฒŒ ํ™”ํ ๊ฒฝ์ œ์— ์†Œ์œ„ โ€˜๊ณต์งœ ์ ์‹ฌโ€™์„ ์ œ๊ณตํ•˜๊ณ  ์žˆ๋Š”์ง€๋ฅผ ๊ตฌ์ฒด์ ์œผ๋กœ ๋ฐํžŒ๋‹ค.

์ž๋ณธ์ฃผ์˜์˜ ๋ฏธ๋ž˜๋Š” ๊ฒฐ์ฝ” ๋ถ€์ •์ ์ด์ง€ ์•Š๋‹ค!
๊ธ‰์„ฑ์žฅํ•œ ๋ถ€์™€ ์ž๋ณธ์ฃผ์˜๋Š” ์šฐ๋ฆฌ๊ฐ€ ๋ณด๊ณ  ์žˆ๋Š” ๋Œ€๋กœ ๊ฐ–๊ฐ€์ง€์˜ ๋ฌธ์ œ๋ฅผ ๋งŒ๋“ค์–ด ๋ƒˆ๋‹ค. ๊ทน๋‹จ์œผ๋กœ ์น˜๋‹ซ๋Š” ์‚ฌํšŒ, ๋งˆ์•ฝ, ๋ฒ”์ฃ„, ๋ฐ˜์‚ฌํšŒ์  ํ๋ฌผ ๋“ฑ ์šฐ๋ฆฌ์˜ ๋ˆˆ์•ž์—๋Š” ํ‡ดํ ํ˜„์ƒ์˜ ์ฆ๊ฑฐ๋“ค์ด ํŽผ์ณ์ ธ ์žˆ๋‹ค. ํ† ํ”Œ๋Ÿฌ๋Š” ๋ถ€์˜ ํ˜๋ช…์œผ๋กœ ์ธํ•œ ์ด๋Ÿฐ ๋ถ€์ •์  ์ธก๋ฉด ์—ญ์‹œ ๊ฐ„๊ณผํ•˜์ง€ ์•Š๋Š”๋‹ค. ๊ทธ๋Š” ์šฐ๋ฆฌ๊ฐ€ ์ง€์‹ ํ˜๋ช…์ด๋ผ๋Š” ๊ฑฐ๋Œ€ํ•˜๊ณ  ์‹ฌ์˜คํ•œ ๋ณ€ํ™”๋ฅผ ๊ฒฐ์ฝ” ํ”ผํ•ด๊ฐˆ ์ˆ˜ ์—†์Œ์„ ๋ฐํžˆ๋ฉฐ ๋ฏธ๋ž˜๋ฅผ ์ค€๋น„ํ•  ์ˆ˜ ์žˆ๋Š” ํ•ด๋ฒ•์„ ์ œ์‹œํ•œ๋‹ค. ๊ทธ๋Š” ๋ฌด์—‡๋ณด๋‹ค ๋ฐœ์ƒ๊ณผ ์‚ฌ๊ณ ์˜ ์ „ํ™˜์„ ๊ฐ•์กฐํ•œ๋‹ค. ์œ ํ˜• ์ž์‚ฐ์— ๋Œ€ํ•œ ์ง‘์ฐฉ์„ ๋ฒ„๋ฆฌ๊ณ  ๋ฌดํ˜• ์ž์‚ฐ์œผ๋กœ์˜ ์ „ํ™˜์— ๋ฐœ๋งž์ถฐ์•ผ ํ•œ๋‹ค๋Š” ๊ฒƒ์ด๋‹ค. ์ง€์‹ ํ˜๋ช…๊ธฐ์— ๋“ค์–ด์„  ์ธ๋ฅ˜๊ฐ€ ํ•ด๊ฒฐํ•ด์•ผ ํ•  ๊ฒƒ์€ ์ง€๋‚œ ์‹œ์ ˆ์˜ ๋‚ก๊ณ  ์˜ค๋ž˜๋œ ์‚ฌ๊ณ ๋ฐฉ์‹๊ณผ ์ œ๋„์ด๋ฉฐ ์ž๋ณธ์ฃผ์˜์— ๋Œ€ํ•œ ๋‚ก์€ ์ •์˜๋ผ๋Š” ๊ฒƒ์ด๋‹ค. ๊ทธ๋Š” ์šฐ๋ฆฌ์—๊ฒŒ ๋‹ค์‹œ ํ•œ ๋ฒˆ ์‹ฌ์˜คํ•œ ์งˆ๋ฌธ์„ ๋˜์ง„๋‹ค. โ€˜์ž๋ณธ์ฃผ์˜์— ๋Œ€ํ•œ ์ƒˆ๋กœ์šด ์ •์˜๊ฐ€ ์ž๋ฆฌ ์žก์œผ๋ฉด ๊ณผ์—ฐ ์ž๋ณธ์ฃผ์˜๋Š” ์–ด๋–ค ๋ชจ์Šต์œผ๋กœ ๋ณ€ํ•˜๊ฒŒ ๋ ๊นŒ?โ€™

๋ˆ„๊ตฌ๋„ ๊ฒฐ์ฝ” ํ”ผํ•ด๊ฐˆ ์ˆ˜ ์—†๋Š” ํ˜๋ช…์  ๋ถ€์˜ ๋ณ€ํ™”
ํ† ํ”Œ๋Ÿฌ์˜ ํ•ด๋ฐ•ํ•œ ์ง€์‹, ํ†ต์ฐฐ๋ ฅ์ด ๊ฐ€์žฅ ๋‹๋ณด์ด๋Š” ๋ฐฑ๋ฏธ๋Š” ๋ฐ”๋กœ ์„ธ๊ณ„์˜ ์ง€๊ฐ ๋ณ€๋™์„ ๋‹ค๋ฃฌ ๋ถ€๋ถ„์ด๋‹ค. ๊ทธ๋Š” ์ค‘๊ตญ, ์ผ๋ณธ, ํ•œ๊ตญ, ์œ ๋Ÿฝ๊ณผ ๋ฏธ๊ตญ ๋“ฑ ์„ธ๊ณ„ ๊ฒฝ์ œ์˜ ๊ทผ๊ฐ„์„ ์ขŒ์šฐํ•˜๊ณ  ์žˆ๊ณ , ์ขŒ์šฐํ•˜๊ฒŒ ๋  ๊ฐ๊ตญ์˜ ํ˜„์žฌ์™€ ๋ฏธ๋ž˜๋ฅผ ๋‚ ์นด๋กœ์šด ์‹œ์„ ์œผ๋กœ ๋ถ„์„ํ•œ๋‹ค. ๋‹ค์†Œ ์ถ”์ƒ์ ์œผ๋กœ ํšŒ์ž๋˜์—ˆ๋˜ ๊ฐ๊ตญ์˜ ๋ฌธ์ œ์™€ ๊ทธ ์›์ธ์„ ์ธ๋ฅ˜๊ฐ€ ์„ธ ๋ฒˆ์˜ ํ˜๋ช…์ ์ธ ํŒจ๋Ÿฌ๋‹ค์ž„ ๋ณ€ํ™”๋ฅผ ํ†ตํ•ด ๋ฐœ์ „์‹œํ‚จ ๋ถ€ ์ฐฝ์ถœ ์‹œ์Šคํ…œ๊ณผ ์—ฐ๊ด€์‹œ์ผœ ๋ช…์พŒํ•˜๊ฒŒ ๋ถ„์„ํ•ด ๋‚ธ๋‹ค. ๋ฌด์—‡๋ณด๋‹ค ๊ฐ๊ตญ์ด ์ง๋ฉดํ•˜๊ณ  ์žˆ๋Š” ์œ„๊ธฐ๊ฐ€ ๋†์—…ํ˜๋ช…, ์‚ฐ์—…ํ˜๋ช…, ์ง€์‹ํ˜๋ช…์˜ ์‚ฐ๋ฌผ์ธ ๋ถ€ ์ฐฝ์ถœ ์‹œ์Šคํ…œ์— ์ƒํ˜ธ ์ถฉ๋Œํ•˜๊ณ  ์žˆ๋Š” ๋ฌผ๊ฒฐ ํˆฌ์Ÿ ๋•Œ๋ฌธ์ด๋ฉฐ, ์ด๋ฐ–์—๋„ ์†๋„, ๊ณต๊ฐ„, ์ง€์‹์ด๋ผ๋Š” ์‹ฌ์ธต ๊ธฐ๋ฐ˜์˜ ๋ณ€ํ™”๋ฅผ ์ฃผ๋„ํ•˜์ง€ ๋ชปํ•˜๊ธฐ ๋•Œ๋ฌธ์ž„์„ ๊ตฌ์ฒด์ ์œผ๋กœ ๋ฐํžˆ๊ณ  ์žˆ์œผ๋ฉฐ ๊ทธ ๋Œ€์•ˆ์„ ์ œ์‹œํ•œ๋‹ค.

์•จ๋นˆ ํ† ํ”Œ๋Ÿฌ๋Š” ์ด ์ฑ… ใ€Š๋ถ€์˜ ๋ฏธ๋ž˜ใ€‹๋ฅผ ํ†ตํ•ด ์ธ๋ฅ˜๊ฐ€ ์ง๋ฉดํ•˜๊ณ  ์žˆ๋Š” ์ง€์‹ ํ˜๋ช…์˜ ๋Œ€ ์†Œ์šฉ๋Œ์ด๋ฅผ ๋ช…์พŒํ•˜๊ฒŒ ๋ถ„์„ํ–ˆ๋‹ค. ์‹ฌํ™”๋œ ์ œ3๋ฌผ๊ฒฐ์ด ๊ฐ€์ ธ์˜ฌ ์‹ฌ์ธต ๊ธฐ๋ฐ˜์˜ ๋ณ€ํ™”, ๊ทธ๋กœ ์ธํ•ด ๋„๋ž˜ํ•  ์ƒˆ๋กœ์šด ๋ถ€ ์ฐฝ์ถœ ์‹œ์Šคํ…œ์ด ์šฐ๋ฆฌ์˜ ์ผ์ƒ์ƒํ™œ, ์‚ฌํšŒ, ๋” ๋‚˜์•„๊ฐ€ ๋ฌธ๋ช…์— ๋ฏธ์น  ์˜ํ–ฅ๋ ฅ๊นŒ์ง€ ์‹ฌ๋„ ์žˆ๊ฒŒ ๋ฐํžˆ๊ณ  ์žˆ๋‹ค. ์šฐ๋ฆฌ๊ฐ€ ๊ฒฐ์ฝ” ํ”ผํ•ด๊ฐˆ ์ˆ˜ ์—†๋Š” ๋ถ€์˜ ํ˜๋ช…๊ณผ ๊ทธ ์•ˆ์—์„œ ์–ด๋–ป๊ฒŒ ํ•ด์•ผ ์ƒ์กดํ•  ์ˆ˜ ์žˆ๋Š”์ง€๋ฅผ ๋ฐํžˆ๊ณ  ์žˆ๋Š” ๊ทธ์˜ ๊นŠ์ด ์žˆ๋Š” ํ†ต์ฐฐ์€ ๊ฐ•ํ•œ ์„ค๋“๋ ฅ์„ ์ง€๋…”๋‹ค.

์šฐ๋ฆฌ๊ฐ€ ์ผ์ฐ์ด ๊ฒฝํ—˜ํ•ด ๋ณธ ์  ์—†๋Š” ๊ฑฐ๋Œ€ํ•œ ๋ถ€์˜ ํ˜๋ช… ์•ˆ์—์„œ ์šฐ๋ฆฌ๋Š” ์‚ด์•„๋‚จ๊ธฐ ์œ„ํ•ด์„œ ๋ฌด์—‡์„ ํ•ด์•ผ ํ•˜๋Š”๊ฐ€? ๋ฌด์—‡๋ณด๋‹ค ์ค‘์š”ํ•œ ๊ฒƒ์€ ๊ทธ๊ฐ€ ๋ฏธ๋ž˜ ์‚ฌํšŒ์— ๋Œ€ํ•ด ์ œ์‹œํ•˜๋Š” ํฌ๋ง์  ๋ฉ”์‹œ์ง€์ด๋‹ค. ๊ทธ๋Š” โ€˜๋ชจ๋“  ์‚ฌํ•ญ์„ ๊ณ ๋ คํ–ˆ์„ ๋•Œ, ์ด๊ฒƒ๋„ ํ•œ ๋ฒˆ ์‚ด์•„๋ณผ ๊ฐ€์น˜๊ฐ€ ์žˆ๋Š” ํ™˜์ƒ์ ์ธ ์ˆœ๊ฐ„์ด๋‹ค. ๋ฏธ์ง€์˜ 21์„ธ๊ธฐ์— ๋“ค์–ด์˜จ ๊ฒƒ์„ ๋œจ๊ฑฐ์šด ๊ฐ€์Šด์œผ๋กœ ํ™˜์˜ํ•œ๋‹ค!โ€™๋ผ๊ณ  ์ด ์ฑ…์˜ ๋์„ ๋งบ๊ณ  ์žˆ๋‹ค.

-์ถœ์ฒ˜: –

์ž‘๊ฐ€๋Š” ์šฐ๋ฆฌ๊ฐ€ ๋ถ€์˜ ํ˜๋ช…์ด ๊ฐ€์ ธ๋‹ค ์ฃผ๋Š” ์œ„๊ธฐ์™€ ๊ธฐํšŒ ๊ฐ€์šด๋ฐ ์‚ด๊ณ  ์žˆ๋‹ค๊ณ  ๋งํ•œ๋‹ค.
๊ทธ๋ ‡๋‹ค๋ฉด ์šฐ๋ฆฌ๋Š” ์ด์— ์–ด๋–ป๊ฒŒ ๋Œ€์ฒ˜ํ•ด์•ผ ํ• ๊นŒ? ์ผ๋‹จ ๋‹ค์Œ๊ณผ ๊ฐ™์ด ์ •๋ฆฌํ•ด ๋ณด์•˜๋‹ค.

  1. ์ง€์‹์— ๋Œ€ํ•œ ์ฒด๊ณ„์ ์ธ ์ž์› ๊ด€๋ฆฌ: ์˜ฌ๋ฐ”๋ฅธ ์ง€์‹ ๊ฒ€์ฆ ํˆด์„ ํ†ตํ•˜์—ฌ ๋ฌด์šฉ์ง€์‹์„ ์ตœ์†Œํ™” ํ•˜๊ณ  ์œ ์šฉ์ง€์‹์„ ๊ตฌ์กฐํ™” ์‹œํ‚จ๋‹ค.
  2. ์‹œ๊ฐ„๊ณผ ๊ณต๊ฐ„์— ๋Œ€ํ•œ ์œ ๋™์ ์ธ ๋Œ€์ฒ˜: ํ—ˆ๋ฌผ์–ด์ง„ ๋ฌผ๋ฆฌ์  ๊ณต๊ฐ„์„ ์ด์šฉํ•˜์—ฌ ๊ธฐ์—…, ๊ตญ๊ฐ€, ๋ฒ•๋ฅ  ๊ฐ„์˜ ์‹œ๊ฐ„์ ์ธ ๋น„๋™๊ธฐํ™”๋กœ ์ธํ•œ ์œ„๊ธฐ๋ฅผ ๊ทน๋ณตํ•œ๋‹ค.
  3. ํ”„๋กœ์Šˆ๋ฐ์„ ์ด์šฉํ•œ ๊ฐ€์น˜ ์ฐฝ์ถœ: ๋น„ํ™”ํ ๊ฒฝ์ œ ํ™œ๋™์„ ์ด‰์ง„์‹œํ‚ค๊ณ , ์ด๋ฅผ ํ†ตํ•˜์—ฌ ์ƒ์„ฑ๋˜๋Š” ๋ถ€๊ฐ€๊ฐ€์น˜๋“ค์„ ํ™”ํ ๊ฐ€์น˜๋กœ ํ™˜์‚ฐ์‹œํ‚จ๋‹ค.

์ž, ๊ธฐํšŒ๊ฐ€ ๋ณด์ด๋Š”๊ฐ€? ์•„๋‹ˆ๋ฉด ์œ„๊ธฐ๋ฅผ ๋Š๋ผ๋Š”๊ฐ€.
์–ด๋””๊นŒ์ง€๋‚˜ ์ด๋Š” ํ˜„์‹ค์— ์ž„ํ•˜๋Š” ์šฐ๋ฆฌ์˜ ์ž์„ธ์— ๋‹ฌ๋ ค์žˆ๋‹ค๊ณ  ์ƒ๊ฐํ•œ๋‹ค.

Finance Korean Los Angeles Web

Google AdSense ์‚ฌ์šฉ๊ธฐ

์—ญ์‹œ ์„ธ ์ค„ ์š”์•ฝ ๋จผ์ €,

  1. Google AdSense๋ฅผ ์„ค์น˜ํ–ˆ๋‹ค.
  2. ๋ฌด์ž๊ฒŒ ์‰ฝ๋‹ค.
  3. ๋ช‡ ๋‹ฌ๋Ÿฌ ๋ฒŒ์—ˆ๋‹ค. -_-)v


์ฐจ์„ธ๋Œ€ ์›น์ด๋ผ ๋ถˆ๋ฆฌ์šฐ๋Š” Web 2.0์˜ ๋Œ€ํ‘œ์ ์ธ ์‚ฌ๋ก€ ์ค‘ ํ•˜๋‚˜๋กœ ๊ผฝํžˆ๋ฉฐ Google AdSense. ์ด๊ฒŒ ์–ด๋–ค ๋…€์„์ธ์ง€ ์•„์ง ๋ชจ๋ฅด์‹œ๋Š” ๋ถ„์€ ์•„๋ž˜ ๋งํฌ๋ฅผ ์‚ดํฌ์‹œ ํด๋ฆญ ๋ฐ”๋ž€๋‹ค.

์ง€๋‚œ 20์ผ ๋ณธ์ขŒ๋Š” ๋ฏธ๋ž˜์˜ ๊ธฐ์ˆ  ํŠธ๋žœ๋“œ ๋ณ€ํ™”์— ๋Œ€ํ•œ ์ง€๋Œ€ํ•œ ๊ด€์‹ฌ์—์„œ ๋ชธ์†Œ AdSense๋ฅผ ์„ค์น˜ํ•ด ๋ณด๊ฒŒ ๋˜์—ˆ๋‹ค..๋ผ๊ธฐ ๋ณด๋‹ค -_-;, ์šฐ์—ฐ์ฐฎ๊ฒŒ ์–ด๋Š ๋ธ”๋กœ๊ฑฐ์˜ Google AdSense ์ƒ๋ฐ˜๊ธฐ ์ˆ˜์ž… ๊ณต๊ฐœ ๋‚ด์—ญ์„ ๋ณด๊ณค ๊นœ์ง ๋†€๋ผ ๋ณธ์ขŒ๋„ ํ•œ-_-ํ‘ผ์ด๋ผ๋„ ์ฑ™๊ฒจ๋ณด๊ณ ์ž ์„œ๋‘˜๋Ÿฌ ์„ค์น˜ํ•˜๊ฒŒ ๋˜์—ˆ๋‹ค.

Fig 1. ์• ๋“œ์„ผ์Šค๋Š” ์ด๋Ÿฐ ์„ผ์“ฐ ๋งŒ์ ์ธ ๋…€์„๋„ ๋ณด๋‚ด ์ค€๋‹จ๋‹ค!

์†”์งํžˆ ์ธํ„ฐ๋„ท ๋‹ค๋‹จ๊ณ„, ํ”ผ๋ผ๋ฏธ๋“œ ๋ž‘ ๋ฌด์—‡์ด ๋‹ค๋ฅธ๊ฐ€ ์‹ถ๊ธฐ๋„ ํ•˜๊ณ , ์ˆ˜์ž…์€ ๋ช‡ ํ‘ผ ์•ˆ๋˜๊ณ  ์‚ฌ์ดํŠธ๋งŒ ์ง€์ €๋ถ„ํ•ด ์งˆ๊นŒ๋ด ์„ค์น˜ ์•ˆ ํ–ˆ์—ˆ๋Š”๋ฐ, ๋ง‰์ƒ ์„ค์น˜ํ•ด ๋ณด๋‹ˆ (1) ๊ด‘๊ณ  ์ž์ฒด๋„ ํ…์ŠคํŠธ ๊ธฐ๋ฐ˜์ด๋ผ ๊น”๋”ํ•˜๊ณ , (2) ๋‚ด์šฉ๋„ ๊ฒŒ์‹œ๋ฌผ๊ณผ ์—ฐ๊ด€์ด ์žˆ๋‹ค๋ณด๋‹ˆ ๊ฑฐ๋ถํ•˜์ง€ ์•Š๊ณ , (3) ์ด๊ฒŒ ์ˆ˜์ž…์œผ๋กœ ์—ฐ๊ฒฐ์ด ๋œ๋‹ค๊ณ  ํ•˜๋‹ˆ ๊ธˆ์ƒ์ฒจํ™” ์•„๋‹Œ๊ฐ€! ์—ญ์‹œ ๊ตฌ๊ธ€์ด ํ•˜๋ฉด ์ œ๋Œ€๋กœ ํ•˜๋Š” ๊ตฐ ์‹ถ๋‹ค.


์„ค์น˜๋Š” ์šฐ๋ฆฌ ์ง‘ ๋ณ„์ด(๊ฐ•์•„์ง€๋‹ค;)๋„ ๊ธˆ๋ฐฉ ๋”ฐ๋ผํ•  ์ˆ˜ ์žˆ์„ ๋งŒํผ ๋งค์šฐ ๊ฐ„๋‹จํ•˜๋‹ค.

  1. Google AdSense ํ™ˆํŽ˜์ด์ง€์—์„œ ์‹ ์ฒญํ•˜๋ฉด 2~3์ผ ๋‚ด๋กœ ์Šน์ธ ๋ฉ”์ผ์„ ๋ฐ›๋Š”๋‹ค.
  2. ์Šน์ธ ๋ฉ”์ผ์˜ ๋งํฌ๋ฅผ ํด๋ฆญํ•˜์—ฌ AdSense ๊ณ„์ •์„ ํ™œ์„ฑํ™” ์‹œํ‚ค๊ณ ,
  3. AdSense ์„ค์ • ๋ฉ”๋‰ด์—์„œ ๊ด‘๊ณ ๋ฅผ ์„ ํƒํ•˜๋ฉด, ๊ฒŒ์‹œํ•  HTML ์†Œ์Šค๋ฅผ ๋ณด์—ฌ์ค€๋‹ค.
  4. ์œ„์˜ HTML ์†Œ์Šค๋ฅผ ๋ณต์‚ฌํ•˜์—ฌ ํ™ˆํŽ˜์ด์ง€ ํŽ˜์ด์ง€ ์†Œ์Šค์— ๋ถ™์—ฌ ๋„ฃ๋Š”๋‹ค.
  5. ์ž, ์†*-_-*๋‹˜์ด ๋‚š์ด๊ธธ ๊ธฐ๋‹ค๋ฆฐ๋‹ค.

์•„, ํ—Œํ„ฐ์—์„œ ์ž…๊ตฌ ๋ง‰๊ธฐ๋ณด๋‹ค ๋ฐฑ๋งŒ๋ฐฐ๋Š” ์‰ฝ์ง€ ์•Š์€๊ฐ€!

๋‹จ, ์ด๋ ‡๊ฒŒ ๊ฒŒ์‹œํ•˜๊ณ  ๋ˆ ๋ฒŒ๊ณ  ์‹ถ์€ ์กฐ๋ฐ”์‹ฌ์—, ์Šค์Šค๋กœ ๋งํฌ๋ฅผ ํด๋ฆญํ–ˆ๋‹ค๊ฐ„ ์•ฝ๊ด€ ์œ„๋ฐ˜์œผ๋กœ ๊ณ„์ •์ด ์ทจ์†Œ๋  ์ˆ˜ ๋„ ์žˆ๋‹ค. ์ฃผ์˜ํ•ด์•ผํ•  Google AdSense ์ด์šฉ ์•ฝ๊ด€๊ณผ ํ”„๋กœ๊ทธ๋žจ ์ •์ฑ…์€ ๋‹ค์Œ๊ณผ ๊ฐ™๋‹ค.

  1. ์ž์‹ ์˜ ํ™ˆํŽ˜์ด์ง€์— ๊ฒŒ์‹œ๋œ ๊ด‘๊ณ ๋ฅผ ํด๋ฆญํ•˜์ง€ ๋ง ๊ฒƒ.
  2. AdSense ํด๋ฆญ์„ ์œ ๋„ํ•˜๋Š” ๊ธ€๊ท€๋ฅผ ์‚ฌ์šฉํ•˜์ง€ ๋ง ๊ฒƒ.
  3. AdSense ์ฝ”๋“œ๋ฅผ ๋ณ€๊ฒฝํ•˜์ง€ ๋ง ๊ฒƒ.
  4. ํ•œ ํŽ˜์ด์ง€ ๋‚ด์˜ ์ตœ๋Œ€ ์„ธ ๊ฐœ์˜ ๊ด‘๊ณ  ๋‹จ์œ„(๊ฒ€์ƒ‰ ์ƒ์ž, ์ถ”์ฒœ, ๋งํฌ)๋ฅผ ๊ฐœ์žฌ.


์ž, ๊ทธ๋ž˜์„œ ๋ณธ์ขŒ๊ฐ€ ๋ฉฐ์น  ๊ฐ„ ์–ผ๋งˆ๋ฅผ ๋ฒŒ์—ˆ์„๊นŒ!

๋‘๋‘ฅ! ์ง€๋‚œ ์ดํ‹€ ๊ฐ„ ๋ฒˆ ๋ˆ์ด ๋ฌด๋ ค!

2.xx ๋‹ฌ๋Ÿฌ. *-_-*v

๋†€๋ž์ง€ ์•Š์€๊ฐ€?!! ํŒŒ๋ฆฌ๋งŒ ๋‚ ๋ฆฌ๋Š” ๋ณธ์ขŒ์˜ ๋ธ”๋กœ๊ทธ๊ฐ€ ํ•˜๋ฃจ์— ์‹ ๋ผ๋ฉด ๋‘ ๊ฐœ ๋ถ„๋Ÿ‰์˜ ์ˆ˜์ž…์›์ด ๋œ ๊ฒƒ์ด!!

์ž, ์—ฌ๊ธฐ๊นŒ์ง€ ์ฝ์—ˆ๋‹ค๋ฉด, ์ด์ œ ๋‹น์‹ ์˜ ํ™ˆํ”ผ์—๋„ ์‚ดํฌ์‹œ AdSense๋ฅผ ์ถ”๊ฐ€ํ•˜์—ฌ, ์‹ ๋ผ๋ฉด ๋Œ€์‹  ์ƒ์ƒ์šฐ๋™์„ ๋จน์–ด๋ณด๋„๋ก ํ•˜์ž. ๊ทธ๋ฆฌํ•˜์—ฌ ์šฐ๋ฆฌ๋ชจ๋‘ AdSense๋กœ๋ถ€ํ„ฐ ์Žˆ์“ฐ ์žˆ๋Š” ์ˆ˜ํ‘œ๋ฅผ ๋ฐ›์•„๋ณผ ์ˆ˜ ์žˆ๋„๋ก! -_-)9

Finance Korean Los Angeles

The Best Banking Products in America

์ผ๋‹จ ์„ธ ์ค„ ์š”์•ฝ์œผ๋กœ ์‹œ์ž‘ํ•˜์ž.

    1. Citibank e-Savings account (Saving, 5.0%)
    2. Citibank 6-month CD (CD, 5.5%)
    3. ING Direct Orange ‘Refer a friend’ program (Saving, Cashback)
    4. Citibank Dividend Card (Credit Card, No Annual Fee, 1% Cashback),

๋„ค ์ค„์ด๋„ค -_-;, Anyway…

2004๋…„๋ถ€ํ„ฐ ์‹œ์ž‘๋œ ๋ฏธ๊ตญ์˜ ๊พธ์ค€ํ•œ ๊ธˆ๋ฆฌ ์ธ์ƒ์— ๋ฐœ๋งž์ถ”์–ด ์š”์ฆ˜ ‘๋น„๊ต์ ’ ๋†’์€ ๊ธˆ๋ฆฌ์˜ ์€ํ–‰๊ถŒ ์ƒํ’ˆ๋“ค์ด ์†์†ํžˆ ๋“ฑ์žฅํ•˜๊ณ  ์žˆ๋‹ค. ๊ณต๋“ค์—ฌ ์ถœ์‹œํ•ด ์ฃผ๋Š” ์€ํ–‰๋“ค์˜ ์„ฑ์˜๋ฅผ ๋ด์„œ๋ผ๋„ ๊ฐ€์ž…ํ•ด ์ฃผ๊ณ  ์‹ถ์€ ๊ฒƒ์ด ์ธ์ง€์ƒ์ •์ธ์ง€๋ผ(์ฟจ๋Ÿญ;; ) ์ด๋ฒˆ ์ฃผ์— ๋ฐœํ’ˆ์„ ํŒ”์•„์„œ ๊ธฐ์กด ์˜ˆ๊ธˆ๋“ค์„ ์ƒˆ ์ƒํ’ˆ์œผ๋กœ ์˜ฎ๊ฒจ ๋‘๊ณ  ์™”๋‹ค.

๊ฐ€์ง„ ๊ฒƒ ์—†-_-๋Š” ์œ ํ•™์ƒ๋“ค์—๊ฒŒ 1g์ด๋ผ๋„ ๋„์›€์ด ๋˜๊ธฐ๋ฅผ ๋ฐ”๋ผ๋ฉฐ ๋ช‡ ๊ฐ€์ง€ ์ข‹์€ ์ƒํ’ˆ๋“ค์„ ์ •๋ฆฌํ•ด ๋ณธ๋‹ค.

Finance Korean Seoul

The One Page Proposal, 33์„ธ 14์–ต ์ Š์€ ๋ถ€์ž์˜ ํˆฌ์ž ์ผ๊ธฐ

์ ์‹ฌ ์‹œ๊ฐ„์— 40๋ถ„ ์ •๋„ ์‹œ๊ฐ„์ด ์žˆ๊ธธ๋ž˜ ๋„์„œ๊ด€์— ๋“ค๋Ÿฌ ์ฑ…์„ ์ฝ์—ˆ๋‹ค.

๋‘ ๊ถŒ ๋ชจ๋‘ ์‰ฝ๊ฒŒ ์ ํ˜€ ์žˆ์–ด ๋น ๋ฅด๊ฒŒ ์ฝ์„ ์ˆ˜ ์žˆ์—ˆ๋‹ค.

โ€ข The One Page Proposal

  1. ๊ณ ๊ฐ๊ณผ ์ƒ์‚ฌ์™€ ๊ฐ™์€ ์ฝ๋Š” ์‚ฌ๋žŒ์˜ ์‹œ๊ฐ„์„ ์•„๋‚„ ๊ฒƒ
  2. ๋ช…๋ฃŒํ•จ์„ ํ•ด์น˜์ง€ ์•Š๋Š” ๋ฒ”์œ„ ๋‚ด์—์„œ ๋‹จ์–ด๋ฅผ ์•„๋‚„ ๊ฒƒ
  3. ์ œ๋ชฉ, ๋ถ€์ œ, 2์ฐจ ๋ชฉํ‘œ, ๋…ผ๋ฆฌ์  ๊ทผ๊ฑฐ, ์žฌ์ •, ํ˜„์žฌ ์ƒํ™ฉ, ์š”๊ตฌ ์‚ฌํ•ญ

โ€ข 33์„ธ 14์–ต ์ Š์€ ๋ถ€์ž์˜ ํˆฌ์ž ์ผ๊ธฐ

  1. ์ง‘ ์žฅ๋งŒ ์ „์— ์ฃผ์‹ ํˆฌ์ž๋Š” ๊ธˆ๋ฌผ
  2. ์‹œ์žฅ์˜ ํ๋ฆ„์„ ํŒŒ์•…ํ•˜๋˜ ์ „๋ง์€ ์‹ ๋ขฐํ•˜์ง€ ๋ง ๊ฒƒ
  3. ์–‘๋‚ ์˜ ๊ฒ€์ธ ๋ถ€๋™์‚ฐ์˜ ๋ฆฌ๋ฒ„๋ฆฌ์ง€ ํšจ๊ณผ
Finance Korean Others

[scrap] ํ•œ๊ตญ๊ฒฝ์ œ, ์ฆ์‹œ์ „๋ง

์„ธ์ค„ ์š”์•ฝ

  1. ์ฆ์‹œ์˜ ์ตœ๋Œ€ ๋ณ€์ˆ˜์˜€๋˜ ๋ฏธ๊ตญ์˜ ๊ธˆ๋ฆฌ ์ธ์ƒ์€ ๋งˆ๋ฌด๋ฆฌ ๋‹จ๊ณ„์ด๋‹ค.
  2. ๋ฏธ๊ตญ์€ ์•„์‹œ์•„๊ถŒ ํ†ตํ™” ์ ˆ์ƒ์„ ๊ฐ•์ œํ•  ๊ฒƒ์ด๋‹ค.
  3. ์ด์— ๋”ฐ๋ฅธ ๋ฏธ๊ตญ ์ฆ์‹œ์˜ ์ƒ์Šน์ด ์˜ˆ๊ฒฌ ๋œ๋‹ค.

์ด๋ฅด๋ฉด ์ด๋‹ฌ๋ถ€ํ„ฐ(์ •์ƒ์ ์œผ๋กœ๋Š” 9์›” ์ดํ›„) ์„ธ๊ณ„์ฆ์‹œ์˜ ์ตœ๋Œ€์žฌ๋ฃŒ๊ฐ€ ๊ธˆ๋ฆฌ์—์„œ ๊ฒฝ๊ธฐ์™€ ํ™˜์œจ๋กœ ์˜ฎ๊ฒจ๊ฐˆ ๊ฒƒ์œผ๋กœ ์˜ˆ์ƒ๋œ๋‹ค.

์ง€๋‚œ 2๋…„ ๋™์•ˆ ์„ธ๊ณ„์ฆ์‹œ๋ฅผ ์ง“๋ˆŒ๋Ÿฌ์˜จ ๋ฏธ๊ตญ์˜ ๊ธˆ๋ฆฌ ์ธ์ƒ ๊ตญ๋ฉด์ด ์ด์ œ๋Š” ๋งˆ๋ฌด๋ฆฌ ๊ตญ๋ฉด์— ์ง„์ž…ํ•˜๊ณ  ์žˆ๊ธฐ ๋•Œ๋ฌธ์ด๋‹ค.

ํ•œ ๋‚˜๋ผ์˜ ์ ์ •๊ธˆ๋ฆฌ ์ˆ˜์ค€์„ ๋”ฐ์ง€๋Š” ํ…Œ์ผ๋Ÿฌ ์ค€์น™๊ณผ ํ”ผ์…” ๊ณต์‹์œผ๋กœ ํ‰๊ฐ€ํ•ด ๋ณด๋ฉด ํ˜„ 5.25%์˜ ์—ฐ๋ฐฉ๊ธฐ๊ธˆ ๊ธˆ๋ฆฌ๋Š” ์–ด๋Š ์ •๋„ ์ ์ •์ˆ˜์ค€์— ๋„๋‹ฌํ•œ ์ƒํƒœ๋‹ค.

๋ฌธ์ œ๋Š” ๊ฒฝ๊ธฐ์™€ ๊ธฐ์—…์‹ค์ ๊ณผ ๊ฐ™์€ ๊ธฐ์ดˆ์—ฌ๊ฑด(ํŽ€๋”๋ฉ˜ํ„ธ)์ด ์–ด๋–ป๊ฒŒ ๋  ๊ฒƒ์ธ๊ฐ€ ํ•˜๋Š” ์ ์ด๋‹ค.

์ง€๋‚œ 1990๋…„๋Œ€ ํ›„๋ฐ˜ ์ดํ›„ ๊ฒฝ๊ธฐ์™€ ์ฃผ์‹ํˆฌ์ž์ž๋“ค์˜ ์‹ฌ๋ฆฌ๋ฅผ ์ด์šฉํ•ด ๋‰ด์š• ์›”๊ฐ€์—์„œ ์ฃผ๊ฐ€์˜ˆ์ธก์ด๋ก ์œผ๋กœ ๊ฐ๊ด‘์„ ๋ฐ›๊ณ  ์žˆ๋Š” ์กฐ์ง€์†Œ๋กœ์Šค์˜ ์ž๊ธฐ์•”์‹œ๊ฐ€์„ค์— ๋”ฐ๋ฅด๋ฉด ์ด๋ฒˆ์ฒ˜๋Ÿผ ๊ธˆ๋ฆฌ์™€ ๊ฐ™์€ ์กฐ์ •๋ณ€์ˆ˜๊ฐ€ ํ•ด์†Œ๋  ๊ฒฝ์šฐ ์ฃผ๊ฐ€๊ฐ€ ์žฌ์ƒ์Šนํ•˜๊ธฐ ์œ„ํ•ด์„œ๋Š” ํŽ€๋”๋ฉ˜ํ„ธ,๊ทธ ์ค‘์—์„œ๋„ ๊ฒฝ๊ธฐ๊ฐ€ ๋ฐ›์ณ์ค˜์•ผ ๊ฐ€๋Šฅํ•˜๊ธฐ ๋•Œ๋ฌธ์ด๋‹ค.

์ตœ๊ทผ ๋“ค์–ด ์ˆ˜์ • ์ „๋ง์น˜๋ฅผ ๋‚ด๋†“๊ณ  ์žˆ๋Š” ์ฃผ์š” ์˜ˆ์ธก๊ธฐ๊ด€๋“ค์˜ ์˜ฌ ํ•˜๋ฐ˜๊ธฐ ์„ธ๊ณ„๊ฒฝ์ œ ์ „๋ง์„ ๋ณด๋ฉด ํฌ๊ฒŒ ์„ธ ๊ฐ€์ง€ ์‹œ๊ฐ์œผ๋กœ ์—‡๊ฐˆ๋ฆฐ๋‹ค.

์šฐ์„ ์€ ์˜ฌ ์ƒ๋ฐ˜๊ธฐ์™€ ๋น„์Šทํ•˜๊ฑฐ๋‚˜ ์ตœ๋Œ€ 5%๋Œ€๊นŒ์ง€ ๊ฐ€๋Šฅํ•  ๊ฒƒ์œผ๋กœ ๋ณด๋Š” ๋‚™๊ด€๋ก (soft patch)์œผ๋กœ ๊ตญ์ œํ†ตํ™”๊ธฐ๊ธˆ(IMF)์ด ๋Œ€ํ‘œ์ ์ด๋‹ค.

๋ฐ˜๋ฉด ๋‹ค๋ฅธ ์˜ˆ์ธก๊ธฐ๊ด€๋“ค์€ ์ด๋ฏธ ์„ธ๊ณ„๊ฒฝ๊ธฐ๊ฐ€ ์ •์ ์„ ์ง€๋‚ฌ๋‹ค๋Š” ์‹œ๊ฐ์— ๋™์กฐํ•˜๊ณ  ์žˆ๋‹ค.

๋‹ค๋งŒ ์ •๋„ ์ฐจ์ด์— ๋”ฐ๋ผ ๊ฒฝ์ œ์ฃผ์ฒด๋“ค์ด ๋Š๋ผ์ง€ ๋ชปํ•  ์ •๋„๋กœ ์—ฐ์ฐฉ๋ฅ™๋  ๊ฒƒ์ด๋ผ๋Š” ๊ฒฌํ•ด(long cycle)์™€ ๊ฒฝ์ฐฉ๋ฅ™๋  ๊ฒƒ์ด๋ผ๋Š” ๊ฒฌํ•ด(short cycle)๋กœ ๋‚˜๋‰œ๋‹ค.

๋‹คํ–‰์ธ ๊ฒƒ์€ ๋Œ€๋ถ€๋ถ„ ๊ธฐ๊ด€๋“ค์ด ์—ฐ์ฐฉ๋ฅ™๋  ๊ฒƒ์œผ๋กœ ๋ณด๊ณ  ์žˆ๋Š” ์ ์ด๋‹ค.

์„ธ๊ณ„๊ฒฝ๊ธฐ๋ฉด์—์„œ ๋ฌธ์ œ๊ฐ€ ์—†๋‹ค๋ฉด ํ™˜์œจ์ด ์ตœ๋Œ€๋ณ€์ˆ˜๊ฐ€ ๋  ๊ฐ€๋Šฅ์„ฑ์ด ๋†’๋‹ค.

๋ฏธ๊ตญ์ด ์ž์ฒด์ ์œผ๋กœ ๊ธˆ๋ฆฌ ์ธ์ƒ์„ ํ†ตํ•ด ์ €์ถ•๋ฅ ์„ ์ œ๊ณ ์‹œํ‚ค๋Š” ๋…ธ๋ ฅ์„ ๋”์ด์ƒ ํ•  ์ˆ˜ ์—†๋‹ค๋ฉด ์ตœ๋Œ€ ํ˜„์•ˆ์ธ ๊ฒฝ์ƒ์ˆ˜์ง€์ ์ž๋ฅผ ์ค„์ด๊ธฐ ์œ„ํ•ด์„œ๋Š” ๋‹ฌ๋Ÿฌ ์•ฝ์„ธ๋ฅผ ์œ ๋„ํ•˜๊ฑฐ๋‚˜ ๋ฐฉ์น˜ํ•  ๊ฐ€๋Šฅ์„ฑ์ด ๋†’๊ธฐ ๋•Œ๋ฌธ์ด๋‹ค.

๊ทน๋‹จ์ ์œผ๋กœ ๋ฏธ๊ตญ์ด ์ž๊ตญ๋งŒ์˜ ์ด์ต๋งŒ์„ ๊ณ ๋ คํ•ด ๋‹ฌ๋Ÿฌ ์•ฝ์„ธ๋ฅผ ์œ ๋„ํ•ด ๋‚˜๊ฐ„๋‹ค ํ•˜๋”๋ผ๋„ ์ˆ˜์ถœ์ž… ๊ตฌ์กฐ๊ฐ€ ๋น„ํƒ„๋ ฅ์ ์ด์–ด์„œ ๋ฌด์—ญ์ˆ˜์ง€ ๊ฐœ์„ ์˜ ์ „์ œ์กฐ๊ฑด์ธ ‘๋งˆ์ƒฌ-๋Ÿฌ๋„ˆ ์กฐ๊ฑด'(Marshall-Lerner condition)์„ ์ถฉ์กฑ์‹œํ‚ค์ง€ ๋ชปํ•˜๋Š” ๋ฐ๋‹ค,๊ณผ๋„ํ•œ ๋‹ฌ๋Ÿฌ ์•ฝ์„ธ๋Š” ๋ฏธ๊ตญ ๋‚ด ์ž๋ณธ์ดํƒˆ์— ๋”ฐ๋ฅธ ์—ญ(้€†)์ž์‚ฐ ํšจ๊ณผ๋กœ ๊ฒฝ๊ธฐ๋ฅผ ๊ธ‰๋ฝ์‹œํ‚ฌ ๊ฐ€๋Šฅ์„ฑ์ด ๋†’๊ธฐ ๋•Œ๋ฌธ์— ํ•œ๊ณ„๊ฐ€ ์žˆ์–ด ๋ณด์ธ๋‹ค.

์ด ๋•Œ๋ฌธ์— ์„ธ๊ณ„ ๋ชจ๋“  ํ†ตํ™”์— ๋Œ€ํ•ด ๋‹ฌ๋Ÿฌํ‰๊ฐ€์ง€์ˆ˜(dollar parity index)๋ฅผ ๋‚ฎ์ถ”์ง€๋Š” ์•Š์„ ๊ฒƒ์œผ๋กœ ์˜ˆ์ƒ๋œ๋‹ค.

๊ฒฐ๊ตญ ๋ฏธ๊ตญ์€ ๋ชจ๋“  ํ†ตํ™”์— ๋Œ€ํ•ด ๋‹ฌ๋Ÿฌ ์•ฝ์„ธ๋ฅผ ์œ ๋„ํ•˜๊ธฐ๋ณด๋‹ค๋Š” ๊ฒฝ์ƒ์ˆ˜์ง€์ ์ž๋ฅผ ๋งŽ์ด ๋ฐœ์ƒ์‹œํ‚ค๋Š” ์ค‘๊ตญ์˜ ์œ„์•ˆํ™”๋ฅผ ๋น„๋กฏํ•œ ์•„์‹œ์•„ ํ†ตํ™”๊ฐ€์น˜๊ฐ€ ์ ˆ์ƒ๋˜๋„๋ก ๋Œ€์™ธ์ •์ฑ…์˜ ์ดˆ์ ์„ ๋งž์ถฐ๋‚˜๊ฐ€๋Š” ‘์ด์›์ ์ธ ์ „๋žต'(two-track strategy)์„ ์ถ”์ง„ํ•ด ๋‚˜๊ฐˆ ๊ฐ€๋Šฅ์„ฑ์ด ๋†’๋‹ค.

์•ž์œผ๋กœ ์ด๋Ÿฐ ์‹œ๋‚˜๋ฆฌ์˜ค๋ฅผ ๊ฐ€์ƒํ•œ๋‹ค๋ฉด ๋ฏธ๊ตญ์ฆ์‹œ๋Š” ๊ธˆ๋ฆฌ ์ธ์ƒ์ด ๋งˆ๋ฌด๋ฆฌ๋œ ์ดํ›„ ์ตœ๋Œ€์ˆ˜ํ˜œ์ž๊ฐ€ ๋  ๊ฐ€๋Šฅ์„ฑ์ด ๋†’๋‹ค.

๋ฏธ๊ตญ๊ธˆ๋ฆฌ ์ธ์ƒ ๋™๊ฒฐ ํ›„ ์ตœ๋Œ€๋ถˆ์•ˆ์š”์ธ์œผ๋กœ ๋‹ฌ๋Ÿฌ ์•ฝ์„ธ์— ๋”ฐ๋ฅธ ์™ธ์ž์ดํƒˆ ๊ฐ€๋Šฅ์„ฑ์ด ๊ผฝํžˆ๊ณ  ์žˆ์œผ๋‚˜ ์•„์‹œ์•„ ํ†ตํ™”๋ฅผ ์ค‘์‹ฌ์œผ๋กœ ํ•œ ๋‹ฌ๋Ÿฌ ์•ฝ์„ธ๋กœ ๊ฒฝ์ƒ์ˆ˜์ง€์ ์ž๊ฐ€ ์ค„์–ด๋“ค ๊ฒฝ์šฐ ์•ˆ์ „ํ†ตํ™” ํ˜น์€ ์•ˆ์ „์ž์‚ฐ์œผ๋กœ ๋‹ฌ๋Ÿฌ๋‚˜ ๋‹ฌ๋Ÿฌํ‘œ์‹œ์ž์‚ฐ์˜ ์œ„์ƒ์ด ๊ฐ•ํ™”๋ผ ์‹ค์ œ ์ดํƒˆ ๊ทœ๋ชจ๋Š” ์ปค๋ณด์ด์ง€ ์•Š๊ธฐ ๋•Œ๋ฌธ์ด๋‹ค.

์•„์‹œ์•„์ฆ์‹œ๋„ ๋ฏธ๊ตญ์ฆ์‹œ๊ฐ€ ๋ฐ›์ณ์ค€ ์ƒํƒœ์—์„œ ํ†ตํ™” ๊ฐ•์„ธ์— ๋”ฐ๋ฅธ ์™ธ๊ตญ์ž๊ธˆ์˜ ์œ ์ž…์œผ๋กœ ์ „์ฒด์ ์œผ๋กœ ๋ถ€๋‹ด์ด ๋˜์ง€ ์•Š์„ ๊ฒƒ์œผ๋กœ ์˜ˆ์ƒ๋œ๋‹ค.

๊ฒฝ์šฐ์— ๋”ฐ๋ผ์„œ๋Š” ๋‚ด์ˆ˜์—…์ฒด ๋“ฑ์€ ํฐ ํ˜ธ์žฌ๊ฐ€ ๋  ์ˆ˜ ์žˆ๋‹ค.

๋ฐ˜๋ฉด ๋ฏธ๊ตญ์˜ ๊ธˆ๋ฆฌ ์ธ์ƒ์œผ๋กœ ๊ฐ€๋ ค์ ธ ์™”๋˜ ์„ธ๊ณ„๊ฒฝ์ œ ๋ถˆ์•ˆ์š”์ธ์˜ ์ƒˆ๋กœ์šด ์กฐ์ •์ฐฝ๊ตฌ(fine-tuning)๋กœ ๋ถ€๊ฐ๋  ์•„์‹œ์•„ ํ†ตํ™”๊ฐ€์น˜์˜ ์ ˆ์ƒ์œผ๋กœ ์•„์‹œ์•„ ์ˆ˜์ถœ์—…์ฒด์—๋Š” ๋ถ€์ •์ ์ธ ์˜ํ–ฅ์ด ์šฐ๋ ค๋œ๋‹ค.

๋…ผ์„คใ†์ „๋ฌธ์œ„์›

English Finance Others

[scrap] Microsoft, Amid Dwindling Interest, Talks Up Computing as a Career

March 1, 2004
Microsoft, Amid Dwindling Interest, Talks Up Computing as a Career

CAMBRIDGE, Mass., Feb. 26 – Bill Gates went on a campaign tour last week, trying to reinvigorate his base, as they say in politics.

The number of students majoring in computer science is falling, even at the elite universities. So Mr. Gates went stumping at the University of Illinois at Urbana-Champaign, Carnegie Mellon, Cornell, M.I.T. and Harvard, telling students that they could still make a good living in America, even as the nation’s industry is sending some jobs, like software programming, abroad.

“Will this create more competition? It will,” he told students at M.I.T. on Thursday. “It means the U.S. will have to keep its edge in skills.”

Later, noting fears of widespread job losses, he said in an interview, “But people are way overreacting.”

Mr. Gates urged the students to stay in the game, no matter where they worked – for Microsoft, a rival, a start-up, a research lab.

Matthew Notowidigdo, who came to M.I.T. five years ago and will receive his master’s degree in computer science in May, has chosen not to. The head of the department said Mr. Notowidigdo, a 22-year-old native of Columbus, Ohio, was one of his brightest students, who would be welcomed at any computer science Ph.D. program in the country.

But Mr. Notowidigdo has decided not to be a software engineer. Instead, he plans to head to Wall Street this spring to join the bond trading desk at Lehman Brothers, where he will work on research and analyzing fixed-income securities. While he may pursue a Ph.D. someday, he says it will be in economics rather than computer science.

Enrollments are down at the best computer science schools, where the potential stars of technology’s future are groomed. Professors say there is less enthusiasm for the discipline among students, and they worry it may be more than a lingering disenchantment after the dot-com bubble burst.

In an effort to counter the trend, Mr. Gates, who personifies technological optimism and the potential payoff, sought to reassure students that their futures were no less bright in an era of outsourcing. The effect of computer technology, he told them, is just beginning and opportunity abounds. Computing, he added, is an ideal field for fine minds to make a difference in society.

“We need your excitement,” he told students at Harvard. “Most of these jobs are very interesting and very social – you work with lots of smart people. I’m excited about the future of computing, and I’m excited to see how each of you can contribute to it.”

But Mr. Notowidigdo’s expertise in software design and programming are also valuable tools on Wall Street, as sophisticated computer programs and models are increasingly used to sniff out profit-making opportunities in the financial markets.

And he said his summer job last year, doing programming work for a New York investment bank, also influenced his plans for the future. The bank’s technology department was outsourcing some software work to India, and as part of the project, programmers from Wipro, a large India outsourcing firm, were brought to New York. Mr. Notowidigdo was impressed at the level of their skills.

The outsourcing trend, Mr. Notowidigdo explained, “factors into my thinking about what I want to pursue as a career.”

His current path as a technologically adept investment banker, he decided, gives him “a broader set of skills and is less risky than software engineering.”

Mr. Notowidigdo arrived at M.I.T. in 1999, when technological exuberance was in the air and the allure of computing was at its peak. Now, even at elite schools like M.I.T., the number of students choosing to major in computer science is down.

John V. Guttag, head of the university’s electrical engineering and computer science department, points to the “worrisome” downward trend. In the current academic year, 229 sophomores selected his department as their major, down from 282 in 2002 and 342 in 2001, a 33 percent decrease in just two years.

Nationally, there is a similar trend. The Computing Research Association’s annual survey of more than 200 universities in the United States and Canada found that undergraduate enrollments in computer science and computer engineering programs were down 23 percent this year.

M.I.T., like other universities, is seeking to counter the trend by emphasizing that computer science is increasingly a collaborative discipline, involving work with experts in other fields of business and science to solve all kinds of economic and social problems. “What we have to emphasize is that a good computer science education is a great preparation for almost anything you want to do,” Professor Guttag said. “It’s a terrific time to be a computer scientist.”

That was the central theme of the Gates tour, which was planned and carried out with the precision of a presidential event. Political veterans were consulted. Aides did a “walkthrough” two weeks ago, checking locations, logistics and travel times. Mr. Gates met with dozens of professors at the five campuses and nearly 5,000 students attended his talks.

After it was over Thursday night, Mr. Gates, pacing in a basement conference room at Harvard, explained his purpose. “Computer science is about to be able to accomplish things that people have been working on for decades,” he said. “Yet there doesn’t seem to be the buzz, excitement and understanding of that so that the best young people are drawn into it.”

With each lecture, his message was that because of ever-faster machines, improved software and the accumulated wisdom of decades of research, computer science was on the cusp of genuine breakthroughs in areas like speech recognition, artificial intelligence and machine-to-machine communication. These advances may take five years, 10 years or more, but they are not so far off now, he said. The trouble with the dot-com years, Mr. Gates told the students, was the delusion that technological revolutions happen overnight, without years of hard work by bright, talented people like them.

Yet already, Mr. Gates told them, the established disciplines – ranging from biology and astronomy to industrial design and finance – increasingly rely on computer analysis and modeling. And the new disciplines, like nanotechnology, are deeply computational.

In that regard, he got no disagreement from Mr. Notowidigdo, the M.I.T. student who has decided to enter the field of financial services. He said he had no regrets about his choice of major. “It opened so many doors for me,” Mt. Notowidigdo said. “And understanding computational technology is going to be essential to almost any field in the future.”

Mr. Gates said electronic commerce had not yet even begun, and that huge gains in communication, convenience and productivity are on the near horizon. He acknowledged that there were challenges to be overcome in areas like privacy and computer security, skipping lightly over the fact that security flaws have bedeviled many Microsoft products. But even the headaches, he said, are merely intriguing problems for smart computer people to conquer, and profit from.

Mr. Gates scoffed at the notion, advanced by some, that the computer industry was a mature business of waning opportunity. In one question-and-answer session, a student asked if there could ever be another technology company as successful as Microsoft.

“If you invent a breakthrough in artificial intelligence, so machines can learn,” Mr. Gates responded, “that is worth 10 Microsofts.”

English Finance Others

[scrap] Porsche, Lexus, Hyundai top U.S. quality survey

Click to see larger image.Porsche, Lexus, Hyundai top U.S. quality survey

June 8, 2006

By Kevin Krolicki

DETROIT (Reuters) – Porsche AG shot to the top of the list in an influential survey of the quality of new cars released on Wednesday, while Toyota Motor Corp. and its luxury Lexus brand dominated individual model rankings.

Hyundai Motor Co., meanwhile, rose from No. 11 in last year’s J.D. Power and Associates Initial Quality Study to become the top-ranked mass-market auto brand in the U.S. market.

Porsche had been No. 32 in 2005, far below the industry average. The luxury car maker gained sharply in 2006 on a strong showing for its Cayman sports car, which launched in January, and improvements in the quality rating of its Cayenne sport utility vehicle.

Toyota, long seen as the gold-standard in quality, took 11 of 19 awards for top-ranked vehicles in 2006 together with its Lexus brand, which ranked No. 2 overall.

“They definitely are still on the throne,” said Joe Ivers, executive director of research for J.D. Power.

Hyundai’s rise in the rankings came even as the Korean automaker began production of a revamped Sonata sedan at a new plant in Montgomery, Alabama. Vehicle launches and new plants typically hurt quality ratings for major automakers as they scramble to fix early product and production glitches.

The Toyota brand ranked No. 4 overall, behind Hyundai and just ahead of Ford Motor Co.’s Jaguar, Honda Motor Co. and General Motors Corp.’s Cadillac brand.

Quality rankings are closely watched because of their influence in consumer purchasing decisions and resale values. They are also a proxy for the warranty costs automakers face.

U.S. automakers, who have argued perception of their quality problems has lagged real improvements, had a mixed report card.

For General Motors Corp., both Cadillac and GMC made the top 10 brands. GMC also swept the honors in the large pickup truck category. But GM’s Saturn, Pontiac, Buick, Saab and Hummer brands all ranked below the industry average.

Two Ford brands — Jaguar and Lincoln — beat that average, but the Mercury and Ford names fell short. Ford’s Land Rover ranked as the worst brand in the industry with more than twice as many reported problems as Hyundai.

J.D. Power based its study on responses from 63,607 people who bought 2006 model cars and trucks. They were surveyed after 90 days of ownership about both defects and design problems.


A Toyota executive said that while the company still had an industry-leading low defect rate, owners had flagged difficulties using features such as navigation systems and clocks.

Still, he said Toyota had a deep reservoir of brand loyalty with less than 2 percent of its potential car buyers also considering a vehicle made by Hyundai, a company many see as Toyota’s biggest long-term rival.

“There is no question that Hyundai is coming on strong and doing a good job in both design and reducing defects,” said Toyota group Vice President Jim Lentz.

Hyundai, which has seen sales rise almost 4 percent to date in 2006, will use the J.D. Power results in its own marketing efforts, representatives said.

Dogged by quality problems in the 1980s, Hyundai currently offers an industry-leading 100,000-mile warranty as part of its campaign to reassure a new generation of U.S. car buyers.

“Hopefully we’re erasing any doubts in our customers’ minds,” Don Dees, Hyundai Motor America vice president of service, told Reuters. “Obviously we’ve got to get the message out there.”

Porsche, meanwhile, set itself apart with simpler design for U.S. consumers, Ivers of J.D. Power said.

While other German automakers score well in terms of limited numbers of defects, German brands tend to lag when it comes to aspects of design like ergonomics and ease of use for controls.

BMW AG, for instance, is ranked alongside Toyota on the basis of its limited defects, but “approaches controls and displays in a way that creates some problems,” he said.

On an overall basis, BMW ranked 28th in the J.D. Power study, behind DaimlerChrysler AG’s Mercedes-Benz brand, which came in at 26.

Although the basis of that 2006 ranking was not immediately clear, BMW has faced harsh criticism in recent years for its use of a complicated screen interface on its 7 Series sedan to control simple functions like air conditioning.

“Porsche doesn’t have any of those problems,” Ivers said. “Their customers can just get in the car and focus on driving.”

(Additional reporting by Poornima Gupta and Jui Chakravorty)

Finance Korean Others

[scrap] ๋„์ „ ๋ฐ›๋Š” ๋‹ฌ๋Ÿฌ์˜ ํ—ค๊ฒŒ๋ชจ๋‹ˆ

๋„์ „ ๋ฐ›๋Š” ๋‹ฌ๋Ÿฌ์˜ ํ—ค๊ฒŒ๋ชจ๋‹ˆโ€ฆ ๊ตญ์ œ์ ์ธ ๋จธ๋‹ˆ๊ฒŒ์ž„์ด ์‹œ์ž‘๋๋‹ค
[์ฃผ๊ฐ„์กฐ์„  2006-06-07 09:14]

์ด๋ž€ใ†์‹œ๋ฆฌ์•„, ์›์œ  ๊ฑฐ๋ž˜๋ฅผ ์œ ๋กœํ™”๋กœโ€ฆ ์ค‘๊ตญใ†๋Ÿฌ์‹œ์•„๋„ ์ž๊ตญ ํ†ตํ™”๋กœ ๋‹ฌ๋Ÿฌ ๋Œ€์ฒด
๋ฏธ๊ตญ, ๋ง‰๋Œ€ํ•œ ์ ์ž ๋– ๋ฐ›์ณ์ฃผ๋Š” ๋‹ฌ๋Ÿฌํ™”์˜ ์ง€๋ฐฐ๊ถŒ์„ ์ง€ํ‚ค๊ธฐ ์œ„ํ•ด ์ด๋ž€ ์••๋ฐ•

๋ฏธ๊ตญ์ด 2003๋…„ 3์›” ์ด๋ผํฌ๋ฅผ ์นจ๊ณต, ์‚ฌ๋‹ด ํ›„์„ธ์ธ ์ •๊ถŒ์„ ๋ถ•๊ดด์‹œํ‚จ ์งํ›„ ๊ฐ€์žฅ ๋จผ์ € ํ•œ ์ผ์€ ๋ฌด์—‡์ผ๊นŒ? ์ •๋‹ต์€ ์„์œ ์ˆ˜์ถœ ๊ฒฐ์ œ๋Œ€๊ธˆ์˜ ๋‹ฌ๋Ÿฌํ™” ํ™˜์›์ด๋‹ค. ํ”ํžˆ๋“ค ๋ฏธ๊ตญ์ด ์ด๋ผํฌ๋ฅผ ์นจ๊ณตํ•œ ์ด์œ ๋Š” ์„์œ ์— ๋Œ€ํ•œ ์ง€๋ฐฐ๊ถŒ ๋•Œ๋ฌธ์ด๋ผ๊ณ  ๋งํ•˜์ง€๋งŒ ๋ฏธ๊ตญ์˜ ์กฐ์น˜๋ฅผ ์ข€๋” ๊นŠ์ด ์‚ดํŽด๋ณด๋ฉด ๋ณด๋‹ค ๊ทผ๋ณธ์ ์ธ ์ˆจ์€ ๋ฐฐ๊ฒฝ์ด ์žˆ๋‹ค. ๋ฐ”๋กœ ๋‹ฌ๋Ÿฌํ™”์˜ ํ—ค๊ฒŒ๋ชจ๋‹ˆ(hegemony:์ง€๋ฐฐ๊ถŒ)๋ฅผ ์ง€ํ‚ค๊ธฐ ์œ„ํ•œ ๊ฒƒ์ด๋‹ค.

ํ›„์„ธ์ธ ์ „ ์ด๋ผํฌ ๋Œ€ํ†ต๋ น์€ 2000๋…„ 11์›” 6์ผ โ€œ์•ž์œผ๋กœ ์ด๋ผํฌ ์›์œ  ๊ฒฐ์ œํ†ตํ™”๋ฅผ ๋‹ฌ๋Ÿฌํ™”์—์„œ ์œ ๋กœํ™”๋กœ ์ „ํ™˜ํ•˜๊ฒ ๋‹คโ€๊ณ  ์ „๊ฒฉ ์„ ์–ธํ–ˆ๋‹ค. ํ›„์„ธ์ธ์˜ ๋ฐœํ‘œ์— ์„์œ ์ˆ˜์ถœ๊ตญ๊ธฐ๊ตฌ(OPEC) ํšŒ์›๊ตญ์ธ ์ด๋ž€๊ณผ ์ธ๋„๋„ค์‹œ์•„ ๋“ฑ์ด ๋™์กฐํ•  ์›€์ง์ž„์„ ๋ณด์˜€๋‹ค. ์„ธ๊ณ„ ๊ฐ๊ตญ์€ ๋งค์ผ ์ค‘๋™์—์„œ 2000๋งŒ๋ฐฐ๋Ÿด์ด ๋„˜๋Š” ์›์œ ๋ฅผ ์ˆ˜์ž…ํ•˜๋Š”๋ฐ ๋Œ€๊ธˆ ๊ฒฐ์ œ๋Š” ๋‹ฌ๋Ÿฌํ™”๋กœ๋งŒ ํ•ด์™”๋‹ค. ๋งŒ์•ฝ ์„์œ  ์ˆ˜์ž…๋Œ€๊ธˆ ๊ฒฐ์ œ๋ฅผ ์œ ๋กœํ™”๋กœ ํ•œ๋‹ค๋ฉด ๋‹ฌ๋Ÿฌํ™”์˜ ๊ฐ€์น˜๋Š” ์•ฝ์„ธ๋ฅผ ๋ณด์ผ ์ˆ˜๋ฐ–์— ์—†๋‹ค. ๋ฏธ๊ตญ์€ ๊ทธ ๋™์•ˆ โ€˜์Œ๋‘ฅ์ด ์ ์žโ€™๋ฅผ ๋‹ฌ๋Ÿฌํ™”๋ฅผ ๋ฐœํ–‰, ๋ณด์ถฉํ•ด ์™”๋Š”๋ฐ ํ›„์„ธ์ธ์˜ ์„ ์–ธ์€ ๋ฏธ๊ตญ์— ๊ฐ•๋ ฅํ•œ ๋„์ „์ด์—ˆ๋‹ค.

์‹ค์ œ๋กœ ํ›„์„ธ์ธ์€ 2001๋…„๋ถ€ํ„ฐ ์„์œ  ๊ฒฐ์ œ๋Œ€๊ธˆ์„ ์œ ๋กœํ™”๋กœ ๋ฐ›๊ธฐ ์‹œ์ž‘ํ–ˆ๋‹ค. ๋‹น์‹œ ์ด๋ผํฌ๋Š” ์œ ์—”์˜ ์ œ์žฌ๋กœ ์„์œ  ์ˆ˜์ถœ๋ฌผ๋Ÿ‰์ด ์ œํ•œ๋˜์—ˆ๊ธฐ ๋•Œ๋ฌธ์— ์„ธ๊ณ„์‹œ์žฅ์— ์˜ํ–ฅ์„ ์ค„ ์ •๋„๋Š” ์•„๋‹ˆ์—ˆ๋‹ค. ํ•˜์ง€๋งŒ ์œ ์—”์˜ ๋Œ€ ์ด๋ผํฌ ์ œ์žฌ๋Š” ๋ฏธ๊ตญ์˜ ์ด๋ผํฌ ์นจ๊ณต ์ง์ „ ํ์ง€๋  ์˜ˆ์ •์ด์—ˆ๋‹ค. ์œ ์—”์˜ ์ œ์žฌ๊ฐ€ ํ’€๋ฆฌ๋ฉด ์ด๋ผํฌ์˜ ์„์œ  ์ˆ˜์ถœ์€ ๋Œ€ํญ ํ™•๋Œ€๋˜๊ณ , ์œ ๋กœํ™”๋กœ ๊ฒฐ์ œ๋˜๋Š” ๋Œ€๊ธˆ์€ ๋Š˜์–ด๋‚  ์ˆ˜๋ฐ–์— ์—†๋‹ค. ๋˜ OPEC ํšŒ์›๊ตญ ์ค‘ ์ผ๋ถ€๊ฐ€ ์ด๋ผํฌ์— ๋™์กฐํ•œ๋‹ค๋ฉด ์ž์นซํ•˜๋ฉด ๋‹ฌ๋Ÿฌํ™”์˜ ์œ„์ƒ์ด ํ”๋“ค๋ฆด ์ˆ˜๋„ ์žˆ์—ˆ๋‹ค.

๋ฏธ๊ตญ์€ 1973๋…„ ์˜ค์ผ ์‡ผํฌ ์ดํ›„ OPEC์˜ ์ง€์œ„๋ฅผ ์ธ์ •ํ•˜๋ฉด์„œ ์„์œ ๊ฒฐ์ œ ๋Œ€๊ธˆ์„ ๋‹ฌ๋Ÿฌํ™”๋กœ๋งŒ ์‚ฌ์šฉํ•˜๊ธฐ๋กœ ์‚ฌ์šฐ๋””์•„๋ผ๋น„์•„์™€ ๋น„๋ฐ€ํ˜‘์•ฝ์„ ๋งบ์—ˆ๋‹ค. ์„์œ ๋Š” ์„ธ๊ณ„ ์ตœ๋Œ€ ๊ต์—ญํ’ˆ๋ชฉ์ด๋ฉฐ ๊ฐ๊ตญ์€ ์„์œ  ์—†์ด๋Š” ์ƒ์กดํ•˜๊ธฐ ์–ด๋ ต๋‹ค. ๊ฐ๊ตญ์€ ์„์œ ๋ฅผ ์ˆ˜์ž…ํ•˜๊ธฐ ์œ„ํ•ด ํ•ญ์ƒ ๋‹ฌ๋Ÿฌํ™”๋ฅผ ๋น„์ถ•ํ•ด์•ผ๋งŒ ํ•œ๋‹ค. ๋งŒ์•ฝ OPEC์ด ์„์œ ๊ฒฐ์ œ ์ˆ˜๋‹จ์„ ์œ ๋กœํ™”๋กœ ๋ฐ”๊พธ๋ฉด ์„์œ  ์ˆ˜์ž…๊ตญ์€ ๋‹ฌ๋Ÿฌ๋ฅผ ํŒ”๊ณ  ์œ ๋กœํ™”๋ฅผ ์‚ฌ๋“ค์ด๊ฒŒ ๋œ๋‹ค. ์ด๋ ‡๊ฒŒ ๋˜๋ฉด ๋‹ฌ๋Ÿฌํ™”์˜ ๊ฐ€์น˜๋Š” ํ•˜๋ฝํ•˜๊ณ  ๋‹ฌ๋Ÿฌ๋กœ ํ‘œ์‹œ๋œ ์ฃผ์‹ ์ฑ„๊ถŒ ๋ถ€๋™์‚ฐ ๋“ฑ ๋ฏธ๊ตญ์˜ ์ž์‚ฐ์— ์•…์˜ํ–ฅ์„ ๋ฏธ์นœ๋‹ค.

๋ฏธ๊ตญ์˜ ์•„ํ‚ฌ๋ ˆ์Šค๊ฑด์€ โ€˜๋‹ฌ๋Ÿฌ ๊ธฐ์ถ• ํ†ตํ™”์ œ๋„โ€™๋‹ค. ๋‹ฌ๋Ÿฌํ™”๊ฐ€ ์„ธ๊ณ„ ๊ธฐ์ถ•ํ†ตํ™”์ด๋ฉฐ ๊ตญ์ œ๊ฒฐ์ œํ†ตํ™”์—ฌ์„œ ๋ฏธ๊ตญ์ด ์ฑ„๋ฌด๋ณ€์ œ๋ฅผ ์œ„ํ•ด ๋‹ค๋Ÿ‰์˜ ์ ์ž์ฑ„๊ถŒ(๋‹ฌ๋Ÿฌํ™”)์„ ๋‚จ๋ฐœํ•ด๋„ ์„ธ๊ณ„ ๊ฐ๊ตญ์ด ์™ธํ™˜ ๋ณด์œ ๊ณ ๋ฅผ ์ฑ„์›Œ๋†“๊ธฐ ์œ„ํ•ด ๋‹ฌ๋Ÿฌํ™”๋ฅผ ์‚ฌ๋“ค์ด๊ณ  ์žˆ๊ธฐ ๋•Œ๋ฌธ์— ๋ฏธ๊ตญ ๊ฒฝ์ œ๋Š” ๋ฌด๋„ˆ์ง€์ง€ ์•Š๋Š” ์…ˆ์ด๋‹ค. โ€œ๋ฏธ๊ตญ์˜ ๋Œ€์™ธ์ฑ„๋ฌด๋Š” ๋ชจ๋‘ ์„ธ๊ณ„ ๊ฐ๊ตญ์ด ์ง€๋ถˆํ•˜๊ณ  ์žˆ๋‹คโ€๊ณ  ๋งํ•ด๋„ ๊ณผ์–ธ์ด ์•„๋‹ˆ๋‹ค. ํŠนํžˆ ๋งŒ์•ฝ ๋‹ฌ๋Ÿฌํ™” ๊ธฐ์ถ•์ œ๋„๊ฐ€ ๋ฌด๋„ˆ์ง„๋‹ค๋ฉด ๋Œ€์™ธ์ฑ„๋ฌด ์ดˆ๊ณผ๋กœ ๋ฏธ๊ตญ์€ ์ฆ‰๊ฐ ๋””ํดํŠธ(์ฑ„๋ฌด๋ถˆ์ดํ–‰)์— ๋น ์งˆ ๊ฒƒ์ด๋‹ค. ๋•Œ๋ฌธ์— ๋ฏธ๊ตญ์€ ๋‹ฌ๋Ÿฌํ™”๋ฅผ ๋ถ•๊ดด์‹œํ‚ค๋Š” ๋ฐ ์•ž์žฅ์„  ํ›„์„ธ์ธ์„ ์ œ๊ฑฐํ•œ


ํ•ต ๊ฐœ๋ฐœ์„ ์ถ”์ง„ํ•˜๊ณ  ์žˆ๋Š” ์ด๋ž€๋„ ์ด๋ผํฌ์ฒ˜๋Ÿผ ๋ฏธ๊ตญ์˜ ๋‹ฌ๋Ÿฌ ํ—ค๊ฒŒ๋ชจ๋‹ˆ์— ๋„์ „ํ•˜๊ณ  ์žˆ๋‹ค. ๋งˆํ๋ฌด๋“œ ์•„ํ๋งˆ๋””๋„ค์ž๋“œ ์ด๋ž€ ๋Œ€ํ†ต๋ น์€ ์ง€๋‚œ 5์›” 5์ผ โ€œ์˜ค๋Š” 7์›”๋ถ€ํ„ฐ ์ด๋ž€์€ ์›์œ ์™€ ๊ฐ€์Šค ์ˆ˜์ถœ๋Œ€๊ธˆ์„ ๋‹ฌ๋Ÿฌํ™”๊ฐ€ ์•„๋‹Œ ์œ ๋กœํ™”๋กœ ๋ฐ›์„ ๊ฒƒโ€์ด๋ผ๊ณ  ์„ ์–ธํ–ˆ๋‹ค. ์ด์— ๋”ฐ๋ผ ์ด๋ž€ ์„์œ ๋ถ€๋Š” ์ง€๋‚œํ•ด๋ถ€ํ„ฐ ๊ฑฐ๋ก ๋˜์–ด ์™”๋˜ ์„์œ ๊ฑฐ๋ž˜์†Œ(IBO)์˜ ์„ค๋ฆฝ ๋“ฑ๋ก์„ ์Šน์ธํ–ˆ๋‹ค. ์ด๋ž€ ์„์œ ๊ฑฐ๋ž˜์†Œ๋Š” ๋‚จ๋ถ€ ์ž์œ ๋ฌด์—ญ์ง€๋Œ€์ธ ํ‚ค์‹œ์„ฌ์— ๊ฐœ์„ค๋  ์˜ˆ์ •์ด๋‹ค. ์ด๋ž€ ์„์œ ๋ถ€๋Š” โ€œ์„์œ ๊ฑฐ๋ž˜์†Œ๋ฅผ ์—ด๋ฉด ์œ ๋กœํ™” ๊ฒฐ์ œ๋Š” ์šฐ์„  ์„์œ ํ™”ํ•™์ œํ’ˆ์— ์ ์šฉํ•˜๊ณ  ์ ์ง„์ ์œผ๋กœ ์›์œ ์™€ ๊ฐ€์Šค๋กœ ๋ฒ”์œ„๋ฅผ ํ™•๋Œ€ํ•  ๊ฒƒโ€์ด๋ผ๊ณ  ๋ฐํ˜”๋‹ค.

ํ˜„์žฌ ์„์œ ๊ฐ€ ๊ตญ์ œ์ ์œผ๋กœ ๊ฑฐ๋ž˜๋˜๋Š” ๊ณณ์€ ๋ฏธ๊ตญ ๋‰ด์š•์ƒ์—…๊ฑฐ๋ž˜์†Œ(NYMEX)์™€ ์˜๊ตญ ๋Ÿฐ๋˜ ๊ตญ์ œ์„์œ ๊ฑฐ๋ž˜์†Œ(IPE)๋ฟ์ด๋‹ค. ๋ฏธ๊ตญ ๋“ฑ ์„œ๋ฐฉ์€ ์„์œ ๊ฐ€ ์„ ๋ฌผ๊ฑฐ๋ž˜๋กœ ์ด๋ฃจ์–ด์ง€๋Š” ์ด ๋‘ ๊ณณ์„ ํ†ตํ•ด ๊ตญ์ œ์„์œ ์‹œ์žฅ์„ ์ฃผ๋ฌด๋ฅด๊ณ  ์žˆ๋‹ค. ์„œ๋ถ€ ํ…์‚ฌ์Šค์‚ฐ ์ค‘์งˆ์œ ์™€ ๋ถํ•ด์‚ฐ ๋ธŒ๋ ŒํŠธ์œ ๊ฐ€ ๊ตญ์ œ ์œ ๊ฐ€์˜ ๊ธฐ์ค€์ด ๋˜๋Š” ๊ฒƒ๋„ ์ด ๋•Œ๋ฌธ์ด๋‹ค. ์ค‘๋™๊ถŒ๊ณผ ์‹ฑ๊ฐ€ํฌ๋ฅด์—์„œ ํ˜„๋ฌผ๋กœ ๊ฑฐ๋ž˜๋˜๋Š” ๋‘๋ฐ”์ด์œ ๋„ ๋ชจ๋‘ ๋‹ฌ๋Ÿฌํ™”๋กœ ๊ฐ’์ด ์ •ํ•ด์ง€๊ณ  ๊ฑฐ๋ž˜๋œ๋‹ค. ์ด๋ž€์ด ๊ตญ์ œ์„์œ ๊ฑฐ๋ž˜์†Œ๋ฅผ ๊ฐœ์„คํ•œ๋‹ค๋ฉด ๋ฏธ๊ตญ ๋“ฑ ์„œ๋ฐฉ์ด ๋…์ ํ•˜๊ณ  ์žˆ๋Š” ๊ตญ์ œ์„์œ ์‹œ์žฅ์˜ ์งˆ์„œ๊ฐ€ ๊นจ์งˆ ์ˆ˜ ์žˆ๋‹ค. ์ด๋ž€์€ โ€œNYMEX๋‚˜ IPE ๋“ฑ ํŠน์ • ์‹œ์žฅ์ด๋‚˜ ๊ฑฐ๋ž˜์†Œ๋ฅผ ๊ฒจ๋ƒฅํ•œ ๊ฒƒ์ด ์•„๋‹ˆ๋‹คโ€๋ผ๊ณ  ๋งํ•˜๊ณ  ์žˆ์ง€๋งŒ ๋ฏธ๊ตญ์€ โ€˜์ด๋ž€์˜ ์˜๋„๋Š” ๋‹ค๋ฅธ ๋ฐ ์žˆ๋‹คโ€™๊ณ  ๋ณด๊ณ  ์žˆ๋‹ค. ๋ฏธ๊ตญ์ด ์›์œ ๋ฅผ ๋‹ฌ๋Ÿฌํ™”๋กœ ๊ฑฐ๋ž˜ํ•˜๋„๋ก ํ†ต์ œํ•จ์œผ๋กœ์จ ๊ฐ๊ตญ์˜ ์ค‘์•™์€ํ–‰์€ ์›์œ ๋ฅผ ๊ตฌ์ž…ํ•˜๊ธฐ ์œ„ํ•ด ๋‹ฌ๋Ÿฌํ™”๋ฅผ ๋Œ€๋Ÿ‰ ๋น„์ถ•ํ•  ์ˆ˜๋ฐ–์— ์—†๋‹ค. ์ด๋Š” ๋‹ฌ๋Ÿฌ๊ฐ€ ๊ธฐ์ถ•ํ†ตํ™”๋กœ ์œ ์ง€๋˜๋Š” ๋ฒ„ํŒ€๋ชฉ ์—ญํ• ์„ ํ•ด์™”๋‹ค.

์ด๋ž€์€ ์ด๋ฒˆ ์„์œ ๊ฑฐ๋ž˜์†Œ ์„ค๋ฆฝ์„ ํ†ตํ•ด ์ค‘๋™๊ตญ๊ฐ€๋“ค๊ณผ OPEC ํšŒ์›๊ตญ๋“ค์„ ๊ฒฐ์ง‘์‹œํ‚ค๊ณ  ๋‚˜๋ฆ„๋Œ€๋กœ์˜ ์‹œ์žฅ ์˜ํ–ฅ๋ ฅ์„ ํ–‰์‚ฌํ•˜๊ฒ ๋‹ค๋Š” ๋ณต์•ˆ์ด๋‹ค. ์ด์™€ ํ•จ๊ป˜ ๊ตญ์ œ์œ ๊ฐ€์˜ ๊ธฐ์ค€๋„ ์„œ๋ถ€ ํ…์‚ฌ์Šค์‚ฐ ์ค‘์งˆ์œ ๋‚˜ ๋ถํ•ด์‚ฐ ๋ธŒ๋ ŒํŠธ์œ ๊ฐ€ ์•„๋‹Œ ํŽ˜๋ฅด์‹œ์•„์‚ฐ ๊ฑธํ”„์œ ๋กœ ์‚ผ์„ ์ž‘์ •์ด๋‹ค. ์ด๋ž€์˜ ์ด๋Ÿฐ ์˜๋„๊ฐ€ ์„ฑ๊ณตํ•  ๊ฐ€๋Šฅ์„ฑ๋„ ๋ฐฐ์ œํ•  ์ˆ˜ ์—†๋‹ค. ํ˜„์žฌ ์ด๋ž€์˜ ์„์œ  ๋งค์žฅ๋Ÿ‰์€ 1320์–ต๋ฐฐ๋Ÿด(์„ธ๊ณ„ ๋งค์žฅ๋Ÿ‰์˜ 11.5%)๋กœ ์‚ฌ์šฐ๋””์•„๋ผ๋น„์•„(2627์–ต ๋ฐฐ๋Ÿดยท์ ์œ ์œจ 22.9%)์— ์ด์–ด ์„ธ๊ณ„ 2์œ„์˜ ๋งค์žฅ๋Ÿ‰์„ ์ž๋ž‘ํ•˜๊ณ  ์žˆ๋‹ค. ์ด๋ž€์€ ๋˜ โ€˜์ œ2์˜ ์ค‘๋™โ€™์ด๋ผ๊ณ  ๋ถˆ๋ฆฌ๋Š” ์นด์Šคํ”ผํ•ด ์ง€์—ญ์—์„œ์˜ ์ง€๋ถ„๋„ 20% ์ •๋„ ์ฐจ์ง€ํ•˜๊ณ  ์žˆ๋‹ค. ์ด๋ž€์€ 1์ผ 390๋งŒ๋ฐฐ๋Ÿด์˜ ์„์œ ๋ฅผ ์ˆ˜์ถœํ•˜๊ณ  ์žˆ๋Š” ๋ฐ๋‹ค ์—ฐ๊ฐ„ 1300๋งŒํ†ค์˜ ์„์œ ํ™”ํ•™ ์ œํ’ˆ์„ ์ƒ์‚ฐํ•˜๊ณ  ์žˆ๋‹ค.

ํŠนํžˆ ํ–ฅํ›„ 20๋…„ ๋‚ด ๊ตญ์ œ ์„์œ ์‹œ์žฅ์€ ์‚ฌ์šฐ๋””, ์ด๋ž€ ๋“ฑ ํŽ˜๋ฅด์‹œ์•„ ๊ฑธํ”„๋งŒ ์ง€์—ญ 5๊ฐœ๊ตญ์— ์˜ํ•ด ์ขŒ์ง€์šฐ์ง€๋  ๊ฒƒ์œผ๋กœ ๋ณด์ธ๋‹ค. ์„ธ๊ณ„ ์„์œ ๋งค์žฅ๋Ÿ‰ 1์กฐ๋ฐฐ๋Ÿด ์ค‘ ์ด๋ž€, ์‚ฌ์šฐ๋””, ์ด๋ผํฌ, ์•„๋ž์—๋ฏธ๋ฆฌํŠธ์—ฐํ•ฉ, ์ฟ ์›จ์ดํŠธ ๋“ฑ ํŽ˜๋ฅด์‹œ์•„ ๊ฑธํ”„๋งŒ ์ง€์—ญ 5๊ฐœ๊ตญ์˜ ๋งค์žฅ๋Ÿ‰์ด 70%์ธ 7000์–ต๋ฐฐ๋Ÿด์— ๋‹ฌํ•˜๊ณ  ์žˆ๊ณ  ์žˆ๊ธฐ ๋•Œ๋ฌธ์ด๋‹ค. ํ˜„์žฌ ์„ธ๊ณ„ ์„์œ ์ˆ˜์š” ๊ทœ๋ชจ๋Š” ํ•˜๋ฃจ 8000๋งŒ๋ฐฐ๋Ÿด ์ˆ˜์ค€์ธ๋ฐ 20๋…„ ํ›„์—๋Š” ํ•˜๋ฃจ 1์–ต2000๋งŒ๋ฐฐ๋Ÿด ์ˆ˜์ค€์œผ๋กœ ์ฆ๊ฐ€ํ•  ๊ฒƒ์œผ๋กœ ์ „๋ง๋œ๋‹ค. ํŽ˜๋ฅด์‹œ์•„ ๊ฑธํ”„๋งŒ ์ง€์—ญ 5๊ฐœ๊ตญ์„ ์ œ์™ธํ•œ ์—ฌํƒ€ OPECํšŒ์›๊ตญ๋“ค์€ 20๋…„์ด ์ง€๋‚˜๋ฉด ๋”

์ด์ƒ ์ฃผ์š” ์‚ฐ์œ ๊ตญ์˜ ์ง€์œ„๋ฅผ ๋ˆ„๋ฆด ์ˆ˜ ์—†์„ ๊ฒƒ์œผ๋กœ ๋ณด์ธ๋‹ค. ์ด๋ž€์€ ์ด ์ ์„ ๋…ธ๋ฆฌ๊ณ  ์„์œ ๊ฑฐ๋ž˜์†Œ๋ฅผ ๊ฐœ์„คํ•˜๋ ค๋Š” ๊ฒƒ์ด๋‹ค. ์˜ฌ ๋“ค์–ด ๋‹ฌ๋Ÿฌํ™” ์•ฝ์„ธ๊ฐ€ ๊ณ„์†๋˜๋Š” ๊ฐ€์šด๋ฐ ์นดํƒ€๋ฅด์™€ ์•„๋ž์—๋ฏธ๋ฆฌํŠธ์—ฐํ•ฉ์˜ ์ค‘์•™์€ํ–‰๋“ค์ด ์™ธํ™˜๋ณด์œ ๊ณ  ์ค‘ ๋‹ฌ๋Ÿฌํ™” ๋น„์ค‘์„ ์ค„์ด๊ณ  ์œ ๋กœํ™” ๋งค์ž…์— ์ ๊ทน ๋‚˜์„œ๊ณ  ์žˆ์œผ๋ฉฐ ์‹œ๋ฆฌ์•„๋„ ์ง€๋‚œ 3์›” ์›์œ  ๊ฑฐ๋ž˜๋ฅผ ๋‹ฌ๋Ÿฌํ™”์—์„œ ์œ ๋กœํ™”๋กœ ๋ฐ”๊ฟจ๋‹ค.

์ด๋ž€๊ณผ ๋ฐ˜๋ฏธ ์—ฐ๋Œ€๋ฅผ ๋ชจ์ƒ‰ํ•˜๊ณ  ์žˆ๋Š” ์šฐ๊ณ  ์ฐจ๋ฒ ์Šค ๋ฒ ๋„ค์ˆ˜์—˜๋ผ ๋Œ€ํ†ต๋ น๋„ ์ง€๋‚œ 5์›” 16์ผ ์˜๊ตญ์˜ ์ฑ„๋„4 TV์™€์˜ ์ธํ„ฐ๋ทฐ์—์„œ โ€œ์•„ํ๋งˆ๋””๋„ค์ž๋“œ ์ด๋ž€ ๋Œ€ํ†ต๋ น์˜ ํฅ๋ฏธ๋กœ์šด ์ œ์•ˆ์— ํ˜ธ์‘ํ•ด ์„์œ  ๋Œ€๊ธˆ ๊ฒฐ์ œ๋ฅผ ๋‹ฌ๋Ÿฌํ™”์—์„œ ์œ ๋กœํ™”๋กœ ๋ฐ”๊พธ๋Š” ๋ฐฉ์•ˆ์„ ๊ฒ€ํ† ํ•  ๊ฒƒโ€์ด๋ผ๊ณ  ๋ฐํ˜”๋‹ค. ์„ธ๊ณ„ 5์œ„์˜ ์›์œ  ์ˆ˜์ถœ๊ตญ์ธ ๋ฒ ๋„ค์ˆ˜์—˜๋ผ๊ฐ€ ๋Œ€๊ธˆ ๊ฒฐ์ œ๋ฅผ ์œ ๋กœํ™”๋กœ ์ฑ…์ •ํ•œ๋‹ค๋ฉด ์ƒ๋‹นํ•œ ์˜ํ–ฅ๋ ฅ์„ ๋ฐœํœ˜ํ•  ์ˆ˜๋„ ์žˆ๋‹ค. ๋‹ฌ๋Ÿฌ ๋Œ€์‹  ์œ ๋กœ๋ฅผ ํ†ตํ•œ ์›์œ  ๊ฑฐ๋ž˜๊ฐ€ ๋Š˜์–ด๋‚˜ ๋‹ฌ๋Ÿฌ๊ฐ€์น˜ ํญ๋ฝ๊ณผ ๋ฏธ๊ตญ์˜ ์ง€๋ฐฐ๋ ฅ ์•ฝํ™”๋กœ ์ด์–ด์งˆ ์ˆ˜๋„ ์žˆ๋‹ค๋Š” ์‹œ๋‚˜๋ฆฌ์˜ค๋‹ค.

๊ฒŒ๋‹ค๊ฐ€ ๋Ÿฌ์‹œ์•„๋„ ๋‹ฌ๋Ÿฌํ™”์— ๋„์ „์žฅ์„ ๋‚ด๋ฐ€์—ˆ๋‹ค. ๋ธ”๋ผ๋””๋ฏธ๋ฅด ํ‘ธํ‹ด ๋Ÿฌ์‹œ์•„ ๋Œ€ํ†ต๋ น์€ ์ง€๋‚œ 5์›”10์ผ ํฌ๋ ˜๋ฆฐ๊ถ์—์„œ ๊ฐ€์ง„ ์—ฐ๋ก€ ๊ตญ์ •์—ฐ์„ค์—์„œ โ€œ๋ฃจ๋ธ”ํ™”๋กœ๋งŒ ๊ฑฐ๋ž˜๋˜๋Š” ์„์œ  ๋ฐ ์ฒœ์—ฐ๊ฐ€์Šค ๊ฑฐ๋ž˜์†Œ๋ฅผ ๋งŒ๋“ค ๊ณ„ํšโ€์ด๋ผ๊ณ  ๋ฐํ˜”๋‹ค. ํ‘ธํ‹ด ๋Œ€ํ†ต๋ น์€ ์ด๋ฅผ ํ†ตํ•ด ๋ฃจ๋ธ”ํ™”๊ฐ€ ๋”์šฑ ๋ณดํŽธ์ ์ธ ์„ธ๊ณ„ ํ†ตํ™”๊ฐ€ ๋  ์ˆ˜ ์žˆ๋‹ค๊ณ  ๊ฐ•์กฐํ–ˆ๋‹ค. ๋Ÿฌ์‹œ์•„ ์ •๋ถ€๋Š” ์˜ค๋Š” 7์›”๊นŒ์ง€ ๋ฃจ๋ธ”ํ™”์˜ ์™„์ „ ํƒœํ™˜ํ™”๋ฅผ ์ถ”์ง„ํ•  ์˜ˆ์ •์ด๋‹ค. ์ด์™€ ๊ด€๋ จ, ์•„๋ฅด์นด๋”” ๋“œ๋ณด๋ฅด์ฝ”๋น„์น˜ ๋Œ€ํ†ต๋ น ๊ฒฝ์ œํŠน๋ณด๋Š” โ€œ๋ฃจ๋ธ”ํ™”๋ฅผ ํ†ตํ•œ ๊ฑฐ๋ž˜๋Š” ๋ฃจ๋ธ”ํ™”์— ๋Œ€ํ•œ ์ˆ˜์š”๋ฅผ ์ฐฝ์ถœํ•  ๊ฒƒโ€์ด๋ผ๊ณ  ๋ฐํ˜”๋‹ค.

๋Ÿฌ์‹œ์•„์˜ ์ด ๊ณ„ํš์€ ๋‹ฌ๋Ÿฌํ™”์˜ ์˜์กด๋„๋ฅผ ์ค„์ด๊ณ  ๋ฃจ๋ธ”ํ™”๋ฅผ ๊ฐ•ํ™”ํ•˜๊ธฐ ์œ„ํ•œ ์กฐ์น˜์ด๋‹ค. ์‚ฌ์šฐ๋””์•„๋ผ๋น„์•„์— ์ด์–ด ์ œ2์œ„์˜ ์›์œ ์ˆ˜์ถœ๊ตญ์ธ ๋Ÿฌ์‹œ์•„๋Š” ๊ณ ์œ ๊ฐ€ ๋•๋ถ„์— ์ œ4์œ„์˜ ์™ธํ™˜๋ณด์œ ๊ตญ์ด ๋๋‹ค. ๋Ÿฌ์‹œ์•„๋Š” ์ด๋ฏธ ์ง€๋‚œํ•ด๋ถ€ํ„ฐ ์ž๊ตญ์ด ๋ณด์œ ํ•œ ์™ธํ™˜์—์„œ ๋‹ฌ๋Ÿฌํ™”์˜ ๋น„์ค‘์„ ์ค„์ด๊ณ  ์œ ๋กœํ™”๋ฅผ ๋Š˜๋ฆฌ๊ณ  ์žˆ๋‹ค. ํŠนํžˆ ์ฒœ๋•๊พธ๋Ÿฌ๊ธฐ์˜€๋˜ ๋ฃจ๋ธ”ํ™”๋ฅผ ์ด๋ฒˆ ๊ธฐํšŒ์— ๊ตญ์ œ ์™ธํ™˜์‹œ์žฅ์—์„œ ๊ฒฝ์Ÿ๋ ฅ ์žˆ๋Š” ํ™”ํ๋กœ ์œ„์ƒ์„ ๋†’์ด๊ฒ ๋‹ค๋Š” ๊ฒƒ์ด ๋Ÿฌ์‹œ์•„์˜ ์˜๋„๋‹ค.

์†Œ๋ จ ๋ถ•๊ดด ์ดํ›„ 1990๋…„๋Œ€ ์ดˆ ํ™”ํ๊ฐœํ˜์œผ๋กœ ๋Ÿฌ์‹œ์•„์ธ๋“ค์€ ๋ฃจ๋ธ”์ด ํ•œ์ˆœ๊ฐ„์— ํœด์ง€์กฐ๊ฐ์œผ๋กœ ๋ณ€ํ•ด๋ฒ„๋ฆฐ ์“ฐ๋ผ๋ฆฐ ๊ฒฝํ—˜์„ ๊ฐ–๊ณ  ์žˆ๋‹ค. ๋Ÿฌ์‹œ์•„ ๊ตญ๋ฏผ์€ ๋˜ 1998๋…„ IMF ์œ„๊ธฐ๋กœ ๋Ÿฌ์‹œ์•„ ์€ํ–‰๋“ค์ด ์ค„์ค„์ด ํŒŒ์‚ฐํ•˜๋ฉด์„œ ์˜ˆ๊ธˆํ•œ ๋ˆ์„ ๋ชจ๋‘ ๋‚ ๋ฆฐ ์ ๋„ ์žˆ๋‹ค. ๋•Œ๋ฌธ์— ๋Ÿฌ์‹œ์•„์ธ์€ ๋ฃจ๋ธ”ํ™”๋กœ ๊ฑฐ๋ž˜ํ•˜๋Š” ๊ฒƒ์„ ๊ธฐํ”ผํ•˜๋Š” ํ˜„์ƒ์„ ๋ณด์ด๊ธฐ๋„ ํ–ˆ๋‹ค. ๋Ÿฌ์‹œ์•„ ์ •๋ถ€๋Š” ์ฐจ์ œ์— ์ด๋Ÿฐ ํ˜„์ƒ๋„ ์—†์• ๊ณ  ์ž๊ตญ ํ™”ํ์˜ ์˜ํ–ฅ๋ ฅ์„ ํ™•๋Œ€ํ–ˆ๋‹ค๋Š” ๊ตฌ์ƒ์ด๋‹ค. ํŠนํžˆ ์„์œ  ๋ฐ ๊ฐ€์Šค๊ฑฐ๋ž˜์†Œ๋ฅผ ์„ค์น˜ํ•ด ๋ฃจ๋ธ”ํ™”๋กœ๋งŒ ๊ฒฐ์ œํ•  ๊ฒฝ์šฐ, ํ˜„์žฌ ์ž๊ตญ๊ณผ ๊ฑฐ๋ฆฌ๋ฅผ ๋‘๋ ค๋Š” ๊ตฌ ์†Œ๋ จ ๊ณตํ™”๊ตญ๋“ค์— ๋Œ€ํ•œ ์ง€๋ฐฐ๋ ฅ์„ ํšŒ๋ณตํ•  ์ˆ˜ ์žˆ๋‹ค๋Š” ๊ฒƒ์ด ๋Ÿฌ์‹œ์•„์˜ ์†์…ˆ์ด๋‹ค.

๋ฏธ๊ตญ์˜ ๋‹ฌ๋Ÿฌ ํ—ค๊ฒŒ๋ชจ๋‹ˆ์— ๋Œ€ํ•œ ๊ฐ€์žฅ ๊ฐ•๋ ฅํ•œ ๋„์ „์ž๋Š” ๋ญ๋‹ˆ๋ญ๋‹ˆ ํ•ด๋„ ์ค‘๊ตญ์ด๋‹ค. ์ค‘๊ตญ์˜ ์œ„์•ˆ(ๅ…ƒ)ํ™”๋Š” ์ด๋ฏธ ํ™์ฝฉ, ๋Œ€๋งŒ, ๋ถํ•œ, ๋ชฝ๊ณจ์€ ๋ฌผ๋ก  ์•„์„ธ์•ˆ(ASEAN:๋™๋‚จ์•„๊ตญ๊ฐ€์—ฐํ•ฉ) 10๊ฐœ ํšŒ์›๊ตญ์—์„œ๋„ ๊ด‘๋ฒ”์œ„ํ•˜๊ฒŒ ํ†ต์šฉ๋˜๊ณ  ์žˆ๋‹ค. ์ค‘๊ตญ ์œ„์•ˆํ™”๊ฐ€

๋จธ์ง€์•Š์•„ ์ผ๋ณธ์˜ ์—”ํ™”๋ฅผ ์ œ์น˜๊ณ  ์•„์‹œ์•„์—์„œ ๊ฐ€์žฅ ๊ฐ•๋ ฅํ•œ ํ†ตํ™”๊ฐ€ ๋  ๊ฒƒ์ด๋ž€ ์ „๋ง๋„ ์‹ฌ์‹ฌ์ฐฎ๊ฒŒ ๋‚˜์˜ค๊ณ  ์žˆ๋‹ค. ์‹ค์ œ๋กœ ๋ชฝ๊ณจ์˜ ๊ฒฝ์šฐ ํ™”ํ๊ฑฐ๋ž˜์˜ 60%๊ฐ€ ์œ„์•ˆํ™”์ด๋ฉฐ ์ˆ˜๋„์ธ ์šธ๋ž€๋ฐ”ํ† ๋ฅด์˜ ์ฃผ์š” ์™ธํ™˜์‹œ์žฅ์—์„œ๋Š” ์œ„์•ˆํ™”๊ฐ€ ๋‹ฌ๋Ÿฌํ™”๋ณด๋‹ค ๋งŽ์ด ๊ฑฐ๋ž˜๋œ๋‹ค. ๋ถํ•œ์—์„œ๋„ ์œ„์•ˆํ™”๋Š” ๊ฐ€์žฅ ๋งŽ์ด ํ†ต์šฉ๋˜๋Š” ์™ธํ™”๋‹ค. ์ค‘๊ตญ๊ณผ ๊ตญ๊ฒฝ์„ ๋งž๋Œ„ ๋ผ์˜ค์Šค์™€ ๋ฏธ์–€๋งˆ์—์„œ๋„ ์œ„์•ˆํ™”๋Š” ๊ฐ€์žฅ ์ธ๊ธฐ๊ฐ€ ๋†’์€ ํ†ตํ™”์ด๋ฉฐ ๋Œ€๋งŒ, ๋ฒ ํŠธ๋‚จ, ์บ„๋ณด๋””์•„, ๋„คํŒ” ๋“ฑ์—์„œ๋„ ์œ„์•ˆํ™” ๊ฑฐ๋ž˜๋Š” ํ™œ๋ฐœํ•˜๋‹ค. ํ™์ฝฉ์—์„œ ์œ„์•ˆํ™”๋Š” ํ™์ฝฉ๋‹ฌ๋Ÿฌ ๋‹ค์Œ์œผ๋กœ ๊ฑฐ๋ž˜๋Ÿ‰์ด ๋งŽ๋‹ค. ํ™์ฝฉ์— ์ง„์ถœํ•ด ์žˆ๋Š” ์ค‘๊ตญ ๋ณธํ†  ์€ํ–‰๋“ค์€ ์œ„์•ˆํ™”๋กœ ๊ฒฐ์ œ๋˜๋Š” ์‹ ์šฉ์นด๋“œ๋ฅผ ๋ฐœํ–‰ํ•˜๊ณ  ์žˆ๋‹ค. ์œ„์•ˆํ™”๋Š” ํ™”๊ต๊ฐ€ ๋งŽ๊ณ  ์ค‘๊ตญ ๊ด€๊ด‘๊ฐ์ด ๋งŽ์ด ์ฐพ๋Š” ํƒœ๊ตญ, ๋ง๋ ˆ์ด์‹œ์•„, ์‹ฑ๊ฐ€ํฌ๋ฅด, ํ•„๋ฆฌํ•€ ๋“ฑ ์•„์„ธ์•ˆ ๊ตญ๊ฐ€๋“ค์€ ๋ฌผ๋ก  ํ˜ธ์ฃผ์—์„œ๋„ ์‚ฌ์šฉ๋˜๊ณ  ์žˆ๋‹ค. ์ด ๋•Œ๋ฌธ์— ํ•ด์™ธ๋กœ ์—ฌํ–‰ํ•˜๋Š” ์ค‘๊ตญ์ธ ์ค‘ ์ถœ๊ตญ ์ „ ์œ„์•ˆํ™”๋ฅผ ๋‹ฌ๋Ÿฌ๋‚˜ ์—ฌํ–‰ ๋ชฉ์ ์ง€์˜ ํ†ตํ™”๋กœ ํ™˜์ „ํ•˜๋Š” ์‚ฌ๋žŒ์ด ์ค„์–ด๋“ค๊ณ  ์žˆ๋‹ค.

1990๋…„๋Œ€๋งŒ ํ•ด๋„ ์œ„์•ˆํ™”๋Š” ๊ตญ์ œ์‚ฌํšŒ์—์„œ ํ•˜์ฐฎ์€ ํ†ตํ™”์˜€์œผ๋ฉฐ ์‹ฌ์ง€์–ด ์™ธ๊ตญ ์€ํ–‰์—์„œ๋Š” ์œ„์•ˆํ™”๋ฅผ ๋‹ฌ๋Ÿฌ๋กœ ํ™˜์ „์กฐ์ฐจ ํ•ด์ฃผ์ง€ ์•Š์•˜๋‹ค. ํ•˜์ง€๋งŒ ์ค‘๊ตญ์€ 2008๋…„ ๋ฒ ์ด์ง• ์˜ฌ๋ฆผํ”ฝ์„ ๊ธฐ์ ์œผ๋กœ ์œ„์•ˆํ™”๋ฅผ ๋Œ€๋งŒ๊ณผ ํ™์ฝฉ, ๋งˆ์นด์˜ค ๋“ฑ ์ค‘ํ™”๊ถŒ์˜ ๊ณตํ†ต ํ†ตํ™”๋กœ ์œ ํ†ต์‹œํ‚จ๋‹ค๋Š” ๋ชฉํ‘œ๋ฅผ ์„ธ์›Œ ๋†“๊ณ  ์žˆ๋‹ค. ์•ž์œผ๋กœ ์œ„์•ˆํ™”๋ฅผ โ€˜์ œ4์˜ ๊ธฐ์ถ•ํ†ตํ™”โ€™๋กœ ๋งŒ๋“ค๋ ค๋Š” ์†์…ˆ์ด๋‹ค. ์ค‘๊ตญ์˜ ๊ฒฝ์ œ๋Œ€๊ตญ ์ „๋žต์˜ ํ•ต์‹ฌ์€ โ€˜๋Œ€์ค‘ํ™”(ๅคงไธญ่ฏ: The Greater China) ๊ฒฝ์ œ๊ถŒโ€™์„ ๊ตฌ์ถ•ํ•˜๋Š” ๊ฒƒ์ด๋‹ค. ์ข์€ ์˜๋ฏธ๋กœ ๋Œ€์ค‘ํ™” ๊ฒฝ์ œ๊ถŒ์€ ์ค‘๊ตญ, ๋Œ€๋งŒ, ํ™์ฝฉ, ๋งˆ์นด์˜ค ๋“ฑ์„ ์ค‘์‹ฌ์œผ๋กœ ํ•œ ๊ฒฝ์ œ๊ถŒ์„ ์ง€์นญํ•˜๋ฉฐ, ๋„“์€ ์˜๋ฏธ๋กœ๋Š” ์ค‘๊ตญ๊ณผ ๋Œ€๋งŒ, ํ™์ฝฉ ๋“ฑ ์ค‘ํ™”๊ถŒ๊ณผ ์•„์„ธ์•ˆ์„ ๋ฌถ๋Š” ๊ฐœ๋…์ด๋‹ค. ์ด๋Ÿฐ ์ „๋žต์˜ ์ˆ˜๋‹จ์€ ๋ฐ”๋กœ ์œ„์•ˆํ™”๋ฅผ ๊ณตํ†ต์ ์œผ๋กœ ์‚ฌ์šฉํ•˜๋Š” ๊ฒƒ์ด๋‹ค.

์ด๋ฏธ ์ค‘๊ตญ ๊ฒฝ์ œ์˜ ๊ธ‰์„ฑ์žฅ์œผ๋กœ ์•„์„ธ์•ˆ ํšŒ์›๊ตญ๊ณผ์˜ ๊ต์—ญ์ด ๋Œ€ํญ ํ™•๋Œ€๋จ์— ๋”ฐ๋ผ ์œ„์•ˆํ™”์˜ ์‚ฌ์šฉ๋„ ๊ธ‰์ฆํ•˜๊ณ  ์žˆ๋‹ค. ๊ตญ์ œํ†ตํ™”๊ธฐ๊ธˆ(IMF)์— ๋”ฐ๋ฅด๋ฉด ์ผ๋ณธ์„ ์ œ์™ธํ•œ ์•„์‹œ์•„ ์ง€์—ญ์˜ ์ „์ฒด ๊ต์—ญ๋Ÿ‰์˜ 40%๋Š” ์—ญ๋‚ด๋ฌด์—ญ์ด๊ณ  ์ง€๋‚œํ•ด ๊ต์—ญ ์ฆ๊ฐ€ ๊ทœ๋ชจ์˜ 40%๋Š” ์ค‘๊ตญ์„ ์ƒ๋Œ€๋กœ ํ•œ ๊ฒƒ์ด๋‹ค. ์—ญ๋‚ด ๋ฌด์—ญ์ด ๋Š˜์–ด๋‚˜๊ณ  ์—ฌํ–‰๊ฐ์ด ์ฆ๊ฐ€ํ•˜๊ณ  ์ค‘๊ตญ ๊ฒฝ์ œ๊ฐ€ ์—ฐ๊ฐ„ 8~10% ๊ณ ์„ฑ์žฅ์„ ํ•˜๋ฉด์„œ ์œ„์•ˆํ™”์˜ ์ž…์ง€๋Š” ๊ฐ•ํ™”๋˜๊ณ  ์žˆ๋‹ค. ์ค‘๊ตญ๊ณผ ์•„์„ธ์•ˆ์ด 2010๋…„ ์ž์œ ๋ฌด์—ญํ˜‘์ •(FTA)์„ ์ฒด๊ฒฐํ•˜๋ฉด ์œ„์•ˆํ™”๋Š” ๋”์šฑ ๊ฐ•๋ ฅํ•œ ํ†ตํ™”๊ฐ€ ๋  ๊ฒƒ์ด๋‹ค. ์ด ๊ฒฝ์šฐ ์œ„์•ˆํ™”๋Š” ์•„์‹œ์•„์—์„œ ์ผ๋ณธ์˜ ์—”ํ™”๋ฅผ ๋Šฅ๊ฐ€ํ•  ์ˆ˜๋„ ์žˆ๋‹ค. ๋งŽ์€ ์ „๋ฌธ๊ฐ€๋“ค์€ โ€œ์œ„์•ˆํ™”๊ฐ€ ์ „ ์„ธ๊ณ„๋Š” ๋ชฐ๋ผ๋„ ์ ์–ด๋„ ์•„์‹œ์•„์˜ ํ™”ํ๊ฐ€ ๋˜๋Š” ๊ฒƒ์€ ์‹œ๊ฐ„๋ฌธ์ œโ€๋ผ๊ณ  ๋งํ•˜๊ณ  ์žˆ๋‹ค.

์ค‘๊ตญ์ด ์„ธ๊ณ„ 1์œ„์˜ ์™ธํ™˜๋ณด์œ ๊ตญ์ด ๋œ ๊ฒƒ๋„ ์œ„์•ˆํ™”์˜ ์œ„์ƒ์„ ๋†’์—ฌ์ฃผ๊ณ  ์žˆ๋‹ค. ์ค‘๊ตญ์˜ ์™ธํ™˜๋ณด์œ ๊ณ ๋Š” ์ง€๋‚œ 2์›” ๋ง 8537์–ต๋‹ฌ๋Ÿฌ๋ฅผ ๊ธฐ๋ก, ์ผ๋ณธ(8501์–ต๋‹ฌ๋Ÿฌ)์„ ์ œ์น˜๊ณ  ์„ธ๊ณ„ 1์œ„๋ฅผ ์ฐจ์ง€ํ–ˆ๋‹ค. ํ˜„ ์ถ”์„ธ๋ผ๋ฉด ๋ฒ ์ด์ง• ์˜ฌ๋ฆผํ”ฝ ์ด์ „์— 1์กฐ๋‹ฌ๋Ÿฌ๋ฅผ ๋„˜์„ ๊ฒƒ์œผ๋กœ ๋ณด์ธ๋‹ค. ์ค‘๊ตญ์˜ ์™ธํ™˜๋ณด์œ ๊ณ ๊ฐ€ ๊ณ„์† ๋Š˜์–ด๋‚จ์— ๋”ฐ๋ผ ์„ธ๊ณ„ ๊ธˆ์œต์‹œ์žฅ ๋ฐ ๊ธฐ์—…์ธ์ˆ˜ ์‹œ์žฅ, ์›์ž์žฌ ์‹œ์žฅ ๋“ฑ์—์„œ์˜ ์ค‘๊ตญ์˜ ์ž…๊น€์ด ๊ฑฐ์„ธ์ง€๊ณ  ์žˆ๋‹ค. ์ค‘๊ตญ์€

์™ธํ™˜๋ณด์œ ๊ณ  ์ค‘ 60%๋ฅผ ๋‹ฌ๋Ÿฌํ‘œ์‹œ ์ž์‚ฐ์œผ๋กœ, 25%๋Š” ์œ ๋กœ, 15%๋Š” ์—”ํ™”, ๋‚˜๋จธ์ง€ 5%๋Š” ๊ธฐํƒ€ ํ†ตํ™”๋กœ ๊ตฌ์„ฑํ•˜๊ณ  ์žˆ๋‹ค.

์ค‘๊ตญ์€ ์™ธํ™˜ ๋ณด์œ ๊ณ  ์ค‘ ์•ฝ 30%์— ํ•ด๋‹นํ•˜๋Š” 2476์–ต๋‹ฌ๋Ÿฌ(์ง€๋‚œํ•ด 10์›” ๋ง ๊ธฐ์ค€)๋ฅผ ๋ฏธ๊ตญ ์žฌ๋ฌด๋ถ€๊ฐ€ ๋ฐœํ–‰ํ•œ ๊ตญ์ฑ„(ๅœ‹ๅ‚ต)์— ํˆฌ์žํ•˜๊ณ  ์žˆ๋‹ค. ๋ฏธ๊ตญ์ด ์œ„์•ˆํ™”์˜ ์ถ”๊ฐ€ ํ‰๊ฐ€์ ˆ์ƒ์„ ๊ณ„์† ์š”๊ตฌํ•˜๊ณ  ์žˆ๋Š”๋ฐ๋„ ๋ถˆ๊ตฌ, ์ค‘๊ตญ์ด ๋ฒ„ํ‹ฐ๊ณ  ์žˆ๋Š” ๊ฒƒ์€ ๋ฐ”๋กœ ๋ฏธ๊ตญ ๊ตญ์ฑ„๋ฅผ ๋ณด์œ ํ•˜๊ณ  ์žˆ๊ธฐ ๋•Œ๋ฌธ์ด๋‹ค. ์ค‘๊ตญ์ด ์ด๋ฅผ ์ผ๋ถ€ ๋งค๊ฐํ•  ๊ฒฝ์šฐ ๋ฏธ๊ตญ์˜ ๊ธˆ๋ฆฌ ์ธ์ƒ๊ณผ ๊ฒฝ๊ธฐ ๋ถˆํ™ฉ์ด๋ผ๋Š” ์—ฐ์‡„ ํšจ๊ณผ๋ฅผ ๋‚ณ์„ ์ˆ˜ ์žˆ๋‹ค๋Š” ๊ฒƒ์ด๋‹ค.

์‹ค์ œ ์ง€๋‚œํ•ด ๋ง โ€œ์ค‘๊ตญ์€ ๋ฏธ๊ตญ ๊ตญ์ฑ„ ๋ณด์œ ๋ฅผ ์ค„์ผ ์ˆ˜๋„ ์žˆ๋‹คโ€๋Š” ์œ„์šฉ๋”ฉ(ไฝ™ๆฐธๅฎš) ๋Ÿฐ๋ฏผ(ไบบๆฐ‘)์€ํ–‰ ํ†ตํ™”์ •์ฑ…์œ„์›์˜ ๋ง ํ•œ๋งˆ๋””๋Š” ์„ธ๊ณ„๊ธˆ์œต์‹œ์žฅ์„ ํ•œ๋ฐ”ํƒ• ๋’คํ”๋“ค ์ •๋„๋กœ ํฐ ์ถฉ๊ฒฉ์„ ์ฃผ์—ˆ๋‹ค. ์ผ๋ณธ์˜ ๋ฏธ๊ตญ ๊ตญ์ฑ„ ํˆฌ์ž์•ก์€ 7000์–ต๋‹ฌ๋Ÿฌ๋กœ ์ค‘๊ตญ๋ณด๋‹ค ํ›จ์”ฌ ๋งŽ์ง€๋งŒ, ์ผ๋ณธ๊ณผ ๋ฐ€์ ‘ํ•œ ๋™๋งน๊ด€๊ณ„๋ฅผ ์œ ์ง€ํ•˜๊ณ  ์žˆ๋Š” ๋ฏธ๊ตญ์€ ์–ด๋Š ์ •๋„ ์•ˆ์‹ฌํ•  ์ˆ˜ ์žˆ์ง€๋งŒ ์ค‘๊ตญ์˜ ๊ฒฝ์šฐ๋Š” ์ „ํ˜€ ๋‹ค๋ฅด๋‹ค. ์ค‘๊ตญ์€ ํ˜„์žฌ ์™ธํ™˜๋ณด์œ ๊ณ  ์ค‘ ๋‹ฌ๋Ÿฌํ™”์˜ ๋น„์ค‘์„ ๋‚ฎ์ถ”๋ฉด์„œ ์œ ๋กœํ™”์™€ ๊ธˆ์˜ ๋น„์ค‘์„ ๋†’์ด๊ณ  ์žˆ๋‹ค.

๋ฏธ๊ตญ์€ ์•ž์œผ๋กœ๋„ ์ƒ๋‹น๊ธฐ๊ฐ„ ๊ตญ์ œ ์ž๋ณธ์‹œ์žฅ์„ ์ขŒ์ง€์šฐ์ง€ํ•  ๊ฒƒ์ด๋‹ค. ๋‹ฌ๋Ÿฌ ํ—ค๊ฒŒ๋ชจ๋‹ˆ๋ฅผ ์‰ฝ๊ฒŒ ๋‚ด์ฃผ์ง€๋Š” ์•Š์„ ๊ฒƒ์ด๋‹ค. ํ•˜์ง€๋งŒ ์ด ์•„์„ฑ์— ๋„์ „ํ•˜๋Š” ์ค‘๊ตญ์˜ ์œ„์•ˆํ™”, ์ค‘๋™๊ณผ ๋Ÿฌ์‹œ์•„์˜ ์˜ค์ผ๋จธ๋‹ˆ ์œ„์„ธ๋„ ๊ฒฐ์ฝ” ๋งŒ๋งŒ์น˜ ์•Š๋‹ค. ์ด๋“ค์ด ๋ฒŒ์ด๋Š” ๋จธ๋‹ˆ๊ฒŒ์ž„(money game)์€ ์ด๋ฏธ ์‹œ์ž‘๋๋‹ค. ์ค‘๊ตญ์€ ํ’๋ถ€ํ•œ ์™ธํ™˜๋ณด์œ ๊ณ ๋กœ ๊ตญ์ œ ์ž๋ณธ์‹œ์žฅ์—์„œ โ€˜ํฐ์†โ€™ ์—ญํ• ์„ ํ•˜๊ณ  ์žˆ๋‹ค. ์œ ๋Œ€์ธ๊ณผ ๋ฒ„๊ธˆ๊ฐ€๋Š” ์ƒ์ˆ ์„ ์ž๋ž‘ํ•œ๋‹ค๋Š” ํ™”๊ต๋“ค์ด ์ค‘๊ตญ์˜ ๋’ค๋ฅผ ๋“ ๋“ ํ•˜๊ฒŒ ๋ฐ›์ณ์ฃผ๊ณ  ์žˆ๋‹ค. ์ด์Šฌ๋žŒ ์ˆ˜์žฅ(้ฆ–้•ท)์˜ ์ด๋ฆ„์„ ๋”ฐ โ€˜์…ฐ์ดํฌ ๋‹ฌ๋Ÿฌโ€™๋ผ๊ณ ๋„ ๋ถ€๋ฅด๋Š” ์˜ค์ผ๋จธ๋‹ˆ๋„ ๊ณ ์œ ๊ฐ€ ์‹œ๋Œ€๋ฅผ ๋งž์•„ ๊ตญ์ œ ์ž๋ณธ์‹œ์žฅ์—์„œ ํ™œ๊ฐœ๋ฅผ ์น˜๊ณ  ์žˆ๋‹ค. ์—ญ์‹œ ์•„๋ผ๋น„์•„ ์ƒ์ธ์˜ ์ „ํ†ต์ด ์ด์–ด์ ธ ๋‚ด๋ ค์˜ค๊ณ  ์žˆ๋‹ค.

๊ตญ์ œ๊ธˆ์œต์—ฐ๊ตฌ์†Œ(IIF)์— ๋”ฐ๋ฅด๋ฉด ์ค‘๋™์‚ฐ์œ ๊ตญ์ด ํ–ฅํ›„ 2๋…„๊ฐ„ ์„ธ๊ณ„์— ๊ฑธ์ณ ์‚ฌ๋“ค์ผ ์ฃผ์‹, ์ฑ„๊ถŒ, ๋ถ€๋™์‚ฐ ๊ทœ๋ชจ๋Š” ์ค„์žก์•„ ์ด 3600์–ต๋‹ฌ๋Ÿฌ์— ์ด๋ฅผ ์ „๋ง์ด๋‹ค. ๋˜ ๋Ÿฌ์‹œ์•„๋„ ์„์œ ์™€ ๊ฐ€์Šค๋ฅผ ์•ž์„ธ์›Œ ๊ตญ๊ฐ€ ์žฌ๊ฑด์— ๋‚˜์„œ๊ณ  ์žˆ๋‹ค. ํŠนํžˆ ๋‹ฌ๋Ÿฌ์˜ ์œ„์ƒ ์•ฝํ™”๋กœ ๊ฐ๊ตญ์€ ์žฅ๊ธฐ์ ์œผ๋กœ ๋‹ฌ๋Ÿฌ ์œ„์ฃผ์˜ ์™ธํ™˜ ํฌํŠธํด๋ฆฌ์˜ค๋ฅผ ๋ฐ”๊ฟ€ ์ˆ˜๋ฐ–์— ์—†์„ ๊ฒƒ์œผ๋กœ ๋ณด์ธ๋‹ค.

๋ฏธ๊ตญ์ด ์ดˆ๊ฐ•๋Œ€๊ตญ์˜ ์ง€์œ„์— ์˜ค๋ฅธ ๊ฒƒ์€ ๊ทธ ๋™์•ˆ ๊ตฐ์‚ฌ๋ ฅ๊ณผ ๋‹ฌ๋Ÿฌํ™”์˜ ํž˜์ด์—ˆ๋‹ค. ๋ฏธ๊ตญ์˜ ์ค‘์š”ํ•œ ํŒจ๊ถŒ ์ „๋žต ์ค‘ ํ•˜๋‚˜๋Š” ๋‹ฌ๋Ÿฌํ™”๋ฅผ ๊ด€๋ฆฌํ•˜๊ณ  ์ง€์œ„๋ฅผ ์œ ์ง€ํ•˜๋Š” ๊ฒƒ์ด์—ˆ๋‹ค. ๋ฏธ๊ตญ์ด ํ•ต ๊ฐœ๋ฐœ์„ ์ด์œ ๋กœ ์ด๋ž€์„ ์˜ฅ์ฃ„๋Š” ๊ฒƒ๋„ ์œ ๊ฐ€๋ฅผ ํ†ตํ•œ ์ค‘๊ตญ ๊ฒฌ์ œ์˜ ์ผํ™˜์ด๋ผ๋Š” ๋ถ„์„๋„ ์žˆ๋‹ค. ๋ฐ˜๋Œ€๋กœ ์ค‘๊ตญ์ด ์ด๋ž€๊ณผ์˜ ์œ ๋Œ€๋ฅผ ๊ฐ•ํ™”ํ•˜๋Š” ๊ฒƒ๋„ ๋ฏธ๊ตญ์˜ ์˜ํ–ฅ๋ ฅ ํ™•๋Œ€๋ฅผ ์ฐจ๋‹จํ•˜๊ธฐ ์œ„ํ•ด์„œ๋‹ค. ์ผ์ข…์˜ ์ง€๊ฒฝํ•™์ (ๅœฐ็ถ“ๅญธ็š„, geo-economic) ๋‹คํˆผ์ด๋‹ค. โ€˜ํ™ฉ๊ธˆ์„ ๊ฐ€์ง„ ์ž๊ฐ€ ๋ฃฐ์„ ๋งŒ๋“ ๋‹คโ€™๋Š” ๋ง์ด ์žˆ๋“ฏ์ด ๊ตญ์ œ์ž๋ณธ ์‹œ์žฅ์—์„œ ์–ด๋–ค ๋จธ๋‹ˆ๊ฐ€ ํ™ฉ๊ธˆ์ด ๋˜๋Š๋ƒ๋ฅผ ๋†“๊ณ  ์น˜์—ดํ•œ ๊ฐ์ถ•์ „์ด ๋ฒŒ์–ด์ง€๊ณ  ์žˆ๋‹ค.
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[scrap] about China

Recent demographic analyses revealed that over 70 million Chinese are currently making more money than the average Korean.

– The Korea Herald, June 7, 2006 –