{"id":1587,"date":"2025-05-01T14:43:00","date_gmt":"2025-05-01T05:43:00","guid":{"rendered":"https:\/\/est.haro-inc.com\/?p=1587"},"modified":"2026-07-23T15:24:56","modified_gmt":"2026-07-23T06:24:56","slug":"vietnam-social-insurance-reform-2025","status":"publish","type":"post","link":"https:\/\/est.haro-inc.com\/ko\/social-insurance-ko\/vietnam-social-insurance-reform-2025\/","title":{"rendered":"\uac1c\uc815 \uc0ac\ud68c\ubcf4\ud5d8\ubc95\uff082025\ub144 7\uc6d4 \uc2dc\ud589\uff09\uff5c\ud55c\uad6d\uacc4 \uae30\uc5c5\uc774 \uc54c\uc544\ub450\uc5b4\uc57c \ud560 \ubcc0\uacbd\uc810\uacfc \uc2e4\ubb34 \ub300\uc751"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">2025\ub144 7\uc6d4 \uc2dc\ud589 \ubca0\ud2b8\ub0a8 \uac1c\uc815 \uc0ac\ud68c\ubcf4\ud5d8\ubc95\uc774\ub780<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">2024\ub144 6\uc6d4 29\uc77c, \ubca0\ud2b8\ub0a8 \uad6d\ud68c\ub294 <strong><span class=\"swl-inline-color has-swl-deep-01-color\">\uac1c\uc815 \uc0ac\ud68c\ubcf4\ud5d8\ubc95\uff08Lu\u1eadt B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i s\u1ed1 41\/2024\/QH15\uff09<\/span><\/strong>\uc744 \uac00\uacb0\ud588\uc2b5\ub2c8\ub2e4. <strong>2025\ub144 7\uc6d4 1\uc77c<\/strong>\ubd80\ud130 \uc2dc\ud589\ub418\uba70, \uad6c\ubc95\uff082014\ub144 \uc0ac\ud68c\ubcf4\ud5d8\ubc95 Law 58\/2014\/QH13\uff09\uc744 \ud3d0\uc9c0\u30fb\ub300\uccb4\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774\ubc88 \uac1c\uc815\uc5d0\uc11c\ub294 \uac00\uc785 \ub300\uc0c1\uc758 \ud655\ub300, \uc0b0\uc815 \uae30\ucd08\uc758 \uba85\ud655\ud654, \uc5f0\uae08 \uc218\uae09 \uc694\uac74\uc758 \uc644\ud654, \uc77c\uc2dc\uae08 \uc778\ucd9c\uc758 \uc81c\ud55c \uac15\ud654 \ub4f1, \ud55c\uad6d\uacc4 \uae30\uc5c5\uc758 \uc778\uc0ac\u30fb\uae09\uc5ec \uc2e4\ubb34\uc5d0 \uc9c1\uacb0\ub418\ub294 \ubcc0\uacbd\uc774 \ub2e4\uc218 \ud3ec\ud568\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. \ubcf8 \uae30\uc0ac\uc5d0\uc11c\ub294 \uac1c\uc815\uc758 \uc694\uc810\uc744 \uc2e4\ubb34 \uad00\uc810\uc5d0\uc11c \uc815\ub9ac\ud558\uace0, <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-swl-deep-01-color\"><strong>\uae30\uc5c5\uc774 \uc9c0\uae08 \ubc14\ub85c \ub300\uc751\ud574\uc57c \ud560 \uc0ac\ud56d<\/strong><\/mark>\uc744 \ud574\uc124\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uc8fc\uc694 \ubcc0\uacbd\uc810 \uc77c\ub78c<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\ud56d\ubaa9<\/th><th>\uad6c\ubc95\uff082014\ub144 \ubc95\uff09<\/th><th>\uc2e0\ubc95\uff082024\ub144 \ubc95\uff09<\/th><\/tr><\/thead><tbody><tr><td>\uc0b0\uc815 \uae30\ucd08<\/td><td>\uae30\ubcf8\uae09\uff0b\uc218\ub2f9\uff0b\uae30\ud0c0 \ucd94\uac00 \uc9c0\uae09\uc561<\/td><td>\u300c\uae30\ud0c0 \ucd94\uac00 \uc9c0\uae09\uc561\u300d\uc758 \ubc94\uc704\ub97c \ucd95\uc18c\u30fb\uba85\ud655\ud654<\/td><\/tr><tr><td>\uac00\uc785 \ub300\uc0c1<\/td><td>\uc815\uaddc\uc9c1 \uc911\uc2ec<\/td><td>\ud30c\ud2b8\ud0c0\uc784\u30fb\uac1c\uc778\uc0ac\uc5c5\uc8fc\u30fb\uc678\uad6d\uc778 \ubc30\uc6b0\uc790 \ub4f1\uc744 \ucd94\uac00<\/td><\/tr><tr><td>\uc5f0\uae08 \ucd5c\uc800 \uac00\uc785 \uc5f0\uc218<\/td><td>20\ub144<\/td><td>15\ub144<\/td><\/tr><tr><td>\uc77c\uc2dc\uae08 \uc778\ucd9c<\/td><td>12\uac1c\uc6d4 \uacbd\uacfc \ud6c4 \uc2e0\uccad \uac00\ub2a5<\/td><td>\uc2e0\uaddc \uac00\uc785\uc790\ub294 \uc6d0\uce59 \ud3d0\uc9c0\uff084\uac1c \uc870\uac74\ub9cc\uff09<\/td><\/tr><tr><td>\uc5f0\uccb4 \uc774\uc790<\/td><td>\uaddc\uc815 \uc788\uc74c<\/td><td>1\uc77c\ub2f9 0.03%\uff08\uc5f0\uc728 \uc57d 10.95%\uff09\uff0b\ud615\uc0ac \ucc45\uc784 \uac00\ub2a5\uc131<\/td><\/tr><tr><td>\uc804\uc790 \uc0ac\ud68c\ubcf4\ud5d8 \uc218\ucca9<\/td><td>\uc784\uc758<\/td><td>2026\ub144 1\uc6d4 1\uc77c\ubd80\ud130 \uc758\ubb34\ud654<\/td><\/tr><tr><td>\ubcf4\ud5d8\ub8cc\uc728<\/td><td>\ud569\uacc4 32%<\/td><td>\ubcc0\uacbd \uc5c6\uc74c\uff08\ud569\uacc4 32%\uff09<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\uc0b0\uc815 \uae30\ucd08\uc758 \uba85\ud655\ud654\uff08\uc2e0\ubc95 \uc81c31\uc870\uff09<\/h2>\n\n\n\n<div class=\"wp-block-group is-style-big_icon_caution\"><div class=\"wp-block-group__inner-container\">\n<p class=\"wp-block-paragraph\"><strong>\uc790\uc8fc \uc788\ub294 \uc624\ud574\uff1a\u300c\uae30\ubcf8\uae09\ub9cc \u2192 \uae30\ubcf8\uae09\uff0b\uc218\ub2f9\uc73c\ub85c \ubcc0\uacbd\ub418\uc5c8\ub2e4\u300d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774\ub294 \uc798\ubabb\ub41c \uc774\ud574\uc785\ub2c8\ub2e4. \uad6c\ubc95\uc5d0\uc11c\ub3c4 \uc0b0\uc815 \uae30\ucd08\ub294 \u300c\uae30\ubcf8\uae09\uff0b\uc218\ub2f9\uff0b\uae30\ud0c0 \ucd94\uac00 \uc9c0\uae09\uc561\u300d\uc774\uc5c8\uc2b5\ub2c8\ub2e4. \uc2e0\ubc95\uc758 \ubcc0\uacbd\uc810\uc740 <span class=\"swl-marker mark_orange\">\u300c\uae30\ud0c0 \ucd94\uac00 \uc9c0\uae09\uc561\u300d\uc758 \ubc94\uc704\ub97c \ucd95\uc18c<\/span>\ud558\uc5ec, \u300c\uc815\uae30\uc801\u30fb\uc548\uc815\uc801\uc73c\ub85c \uac01 \uae09\uc5ec \uc9c0\uae09\uae30\uc5d0 \uc9c0\uae09\ub418\uae30\ub85c \ud569\uc758\ub41c \uac83\u300d\uc73c\ub85c \ud55c\uc815\ud55c \uc810\uc785\ub2c8\ub2e4.<\/p>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\uad6c\uccb4\uc801\uc73c\ub85c\ub294 \ub2e4\uc74c\uacfc \uac19\uc740 \uc9c0\uae09\uc740 \uc0b0\uc815 \uae30\ucd08\uc5d0\uc11c <strong>\uc81c\uc678<\/strong>\ub418\ub294 \ubc29\ud5a5\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc2e4\uc801 \uc5f0\ub3d9 \uc218\ub2f9\uff08KPI \ubcf4\ub108\uc2a4 \ub4f1\uff09<\/li>\n\n\n\n<li>\ubcc0\ub3d9 \ubcf4\ub108\uc2a4<\/li>\n\n\n\n<li>\ube44\uc815\uae30 \uc0c1\uc5ec\u30fb\ud3ec\uc0c1\uae08<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ub610\ud55c, \uc0b0\uc815 \uae30\ucd08\uc758 <strong>\uc0c1\ud55c\uc561<\/strong>\uc740 \ucc38\uc870 \ub808\ubca8\uff08VND 2,340,000\uff09\uc758 20\ubc30\uff1d<strong><span class=\"swl-inline-color has-swl-deep-01-color\">VND 46,800,000\/\uc6d4<\/span><\/strong>\uc785\ub2c8\ub2e4. \uace0\uc561 \uae09\uc5ec\uc758 \uad00\ub9ac\uc9c1\uc774\ub098 \uc8fc\uc7ac\uc6d0\uc758 \uae09\uc5ec\uac00 \uc774 \uc0c1\ud55c\uc744 \ucd08\uacfc\ud558\ub294 \uacbd\uc6b0, \uc0c1\ud55c\uc561\uc73c\ub85c \uacc4\uc0b0\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uac00\uc785 \ub300\uc0c1\uc758 \ud655\ub300\uff08\uc2e0\ubc95 \uc81c2\uc870\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uac1c\uc815\ubc95\uc5d0\uc11c\ub294 \uc9c0\uae08\uae4c\uc9c0 \uc0ac\ud68c\ubcf4\ud5d8 \ub300\uc0c1\uc774 \uc544\ub2c8\uc5c8\ub358 \uadfc\ub85c\uc790 \uce74\ud14c\uace0\ub9ac\uac00 \uc0c8\ub86d\uac8c \uac00\uc785 \uc758\ubb34 \ub300\uc0c1\uc774 \ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\uce74\ud14c\uace0\ub9ac<\/th><th>\uad6c\ubc95<\/th><th>\uc2e0\ubc95<\/th><\/tr><\/thead><tbody><tr><td>\ud30c\ud2b8\ud0c0\uc784 \uadfc\ub85c\uc790<\/td><td>\ub300\uc0c1 \uc678<\/td><td><strong>\ub300\uc0c1<\/strong><\/td><\/tr><tr><td>\uc0ac\uc5c5\uc790 \ub4f1\ub85d\ub41c \uac1c\uc778\uc0ac\uc5c5\uc8fc<\/td><td>\ub300\uc0c1 \uc678<\/td><td><strong>\ub300\uc0c1<\/strong><\/td><\/tr><tr><td>\uae09\uc5ec\ub97c \ubc1b\uc9c0 \uc54a\ub294 \uae30\uc5c5 \uad00\ub9ac\uc790<\/td><td>\ub300\uc0c1 \uc678<\/td><td><strong>\ub300\uc0c1<\/strong><\/td><\/tr><tr><td>\uc678\uad6d\uc778\uff08\ubca0\ud2b8\ub0a8\uc778 \ubc30\uc6b0\uc790\u30fb\ub178\ub3d9 \ud5c8\uac00\uc99d \uba74\uc81c\uc790\uff09<\/td><td>\uba74\uc81c<\/td><td><strong>\uac00\uc785 \uc758\ubb34\ud654<\/strong><\/td><\/tr><tr><td>\uc218\uc2b5 \uae30\uac04 \uc911\uc758 \uadfc\ub85c\uc790<\/td><td>\ub300\uc0c1 \uc678<\/td><td>\uacc4\uc18d \ub300\uc0c1 \uc678\uff08Decree 158\/2025\ub85c \ud655\uc778\uff09<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-group has-border -border02 is-style-bg_grid\"><div class=\"wp-block-group__inner-container\">\n<p class=\"wp-block-paragraph\"><strong>\ud55c\uad6d\uacc4 \uae30\uc5c5\uc5d0 \ub300\ud55c \uc601\ud5a5<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud30c\ud2b8\ud0c0\uc784 \uc2a4\ud0dc\ud504\ub97c \ub9ce\uc774 \uace0\uc6a9\ud558\uace0 \uc788\ub294 \uc81c\uc870\uc5c5\u30fb\uc18c\ub9e4\uc5c5\uc5d0\uc11c\ub294 \uc0ac\ud68c\ubcf4\ud5d8\ub8cc \ubd80\ub2f4\uc774 \uc99d\uac00\ud569\ub2c8\ub2e4. \ub610\ud55c, \ubca0\ud2b8\ub0a8\uc778 \ubc30\uc6b0\uc790\ub97c \ub454 \uc678\uad6d\uc778 \uc0ac\uc6d0\uc774 \uc788\ub294 \uacbd\uc6b0\uc5d0\ub294 \uc0c8\ub86d\uac8c \uac00\uc785 \uc808\ucc28\uac00 \ud544\uc694\ud569\ub2c8\ub2e4. \uc778\uc0ac \ubd80\ubb38\uc740 \ub300\uc0c1\uc790 \ud30c\uc545\uc744 \uc870\uc18d\ud788 \uc2e4\uc2dc\ud569\uc2dc\ub2e4.<\/p>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\uc5f0\uae08 \uc218\uae09 \uc694\uac74\uc758 \uc644\ud654\uff08\uc2e0\ubc95 \uc81c64\uc870\u30fb\uc81c65\uc870\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc5f0\uae08\uc744 \uc218\uae09\ud558\uae30 \uc704\ud55c <strong>\ucd5c\uc800 \uac00\uc785 \uc5f0\uc218\uac00 20\ub144\uc5d0\uc11c 15\ub144\uc73c\ub85c \ub2e8\ucd95<\/strong>\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\ub85c \uc778\ud574 \ubca0\ud2b8\ub0a8\uc5d0\uc11c\uc758 \uadfc\ubb34 \uae30\uac04\uc774 \ube44\uad50\uc801 \uc9e7\uc740 \uadfc\ub85c\uc790\ub3c4 \uc5f0\uae08 \uc218\uae09\uc758 \uac00\ub2a5\uc131\uc774 \ub113\uc5b4\uc9d1\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\ucd5c\uc800 \uac00\uc785 \uc5f0\uc218<\/strong>\uff1a20\ub144 \u2192 <span class=\"swl-marker mark_orange\">15\ub144<\/span><\/li>\n\n\n\n<li><strong>\ubd80\uc871 \uae30\uac04\uc758 \ubcf4\ucda9<\/strong>\uff1a\ucd5c\ub300 6\uac1c\uc6d4\ubd84\uc758 \ucd94\uac00 \uc9c0\uae09\uc774 \uac00\ub2a5<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud1f4\uc9c1\uc744 \uc55e\ub454 \ubca0\ud2b8\ub0a8\uc778 \uc9c1\uc6d0\uc5d0 \ub300\ud574, \uc5f0\uae08 \uc218\uae09\uc5d0 \ud544\uc694\ud55c \uac00\uc785 \uae30\uac04\uc744 \ub2e4\uc2dc \ud55c\ubc88 \uc124\uba85\ud558\ub294 \uae30\ud68c\ub97c \ub9c8\ub828\ud558\ub294 \uac83\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uc0ac\ud68c\ubcf4\ud5d8 \uc77c\uc2dc\uae08\uc758 \uc81c\ud55c \uac15\ud654\uff08\uc2e0\ubc95 \uc81c70\uc870\u30fb\uc81c102\uc870\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc885\ub798, \ubca0\ud2b8\ub0a8\uc5d0\uc11c\ub294 \ud1f4\uc9c1 \ud6c4 12\uac1c\uc6d4 \uacbd\uacfc\ud55c \uadfc\ub85c\uc790\uac00 \uc0ac\ud68c\ubcf4\ud5d8 \uc77c\uc2dc\uae08\uc744 \uc778\ucd9c\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc774 \ubcf4\uc600\uc2b5\ub2c8\ub2e4. \uc2e0\ubc95\uc5d0\uc11c\ub294 <span class=\"swl-marker mark_orange\">\uc774 \uc81c\ub3c4\ub97c \ub300\ud3ed \uc81c\ud55c<\/span>\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2025\ub144 7\uc6d4 \uc774\ud6c4\uc758 \uc2e0\uaddc \uac00\uc785\uc790<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u300c1\ub144 \uacbd\uacfc \ud6c4\uc758 \uc784\uc758 \uc778\ucd9c\u300d\uc740 <strong>\ud3d0\uc9c0<\/strong>\ub429\ub2c8\ub2e4. \uc778\ucd9c\uc774 \uc778\uc815\ub418\ub294 \uac83\uc740 \ub2e4\uc74c 4\uac1c \uc870\uac74\ubfd0\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\uc815\ub144 \ub3c4\ub2ec \ubc0f \uac00\uc785 \uc5f0\uc218 15\ub144 \ubbf8\ub9cc<\/li>\n\n\n\n<li>\ud574\uc678 \uc774\uc8fc<\/li>\n\n\n\n<li>\uc911\uc99d \uc9c8\ubcd1\uc758 \uc774\ud658<\/li>\n\n\n\n<li>\ub178\ub3d9 \ub2a5\ub825\uc758 81% \uc774\uc0c1 \uc0c1\uc2e4<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">\uacbd\uacfc \uc870\uce58\uff08\uae30\uc874 \uac00\uc785\uc790\uff09<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uc2dc\ud589\uc77c \uc804\uc5d0 \uac00\uc785\ud55c \uadfc\ub85c\uc790\ub294, \ud1f4\uc9c1 \ud6c4 12\uac1c\uc6d4 \uacbd\uacfc \ubc0f \uac00\uc785 \uc5f0\uc218 20\ub144 \ubbf8\ub9cc\uc774\ub77c\uba74 \uacc4\uc18d \uc77c\uc2dc\uae08\uc744 \uc2e0\uccad\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\ub9cc, \uc774 \uacbd\uacfc \uc870\uce58\ub294 \uc7a5\ub798\uc801\uc73c\ub85c \ud3d0\uc9c0\ub420 \uac00\ub2a5\uc131\uc774 \uc788\uc73c\ubbc0\ub85c, \uc9c1\uc6d0\uc5d0 \ub300\ud55c \uc870\uae30 \uc815\ubcf4 \uc81c\uacf5\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud55c\uad6d\uc778 \uc8fc\uc7ac\uc6d0\uc758 \uc0ac\ud68c\ubcf4\ud5d8 \u2015 \ud55c\u30fb\ubca0\ud2b8\ub0a8 \uc0ac\ud68c\ubcf4\uc7a5\ud611\uc815<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ud55c\uad6d\uacc4 \uae30\uc5c5\uc774 \ud2b9\ud788 \ud655\uc778\ud574 \ub450\uc5b4\uc57c \ud560 \uac83\uc774 <strong><span class=\"swl-inline-color has-swl-deep-01-color\">\ud55c\uad6d\uc778 \uc8fc\uc7ac\uc6d0\uc758 \uc0ac\ud68c\ubcf4\ud5d8 \ucde8\uae09<\/span><\/strong>\uc785\ub2c8\ub2e4. \ud55c\uad6d\uacfc \ubca0\ud2b8\ub0a8 \uc0ac\uc774\uc5d0\ub294 <strong>\uc0ac\ud68c\ubcf4\uc7a5\ud611\uc815\uff08\uc774\uc911\uac00\uc785 \ubc29\uc9c0\u30fb\uac00\uc785\uae30\uac04 \ud569\uc0b0\ud611\uc815\uff09\uc774 2024\ub144 1\uc6d4 1\uc77c\uc5d0 \ubc1c\ud6a8<\/strong>\ub418\uc5b4, \uc77c\uc815 \uc870\uac74\uc744 \ucda9\uc871\ud558\ub294 \ud55c\uad6d\uc778 \uc8fc\uc7ac\uc6d0\uc740 \ubca0\ud2b8\ub0a8 \uc0ac\ud68c\ubcf4\ud5d8\ub8cc\uc758 \uc77c\ubd80\ub97c \uba74\uc81c\ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<div class=\"wp-block-group is-style-big_icon_point\"><div class=\"wp-block-group__inner-container\">\n<p class=\"wp-block-paragraph\"><strong>\ud611\uc815\uc758 \ud575\uc2ec \ud3ec\uc778\ud2b8<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uba74\uc81c \ub300\uc0c1\uc740 \u300c\uc5f0\uae08\uff08\ud1f4\uc9c1\u30fb\uc720\uc871 \uae09\uc5ec\uff09\u300d \ubd80\ubd84\ub9cc<\/strong>\uff08\ud68c\uc0ac 14%\uff0b\ubcf8\uc778 8%\uff1d\ud569\uacc4 22% \uc0c1\ub2f9\uff09. \uc758\ub8cc\ubcf4\ud5d8\uff08BHYT\uff09\uc740 \ud611\uc815 \ub300\uc0c1 \uc678\uc774\ubbc0\ub85c \uc6d0\uce59\uc801\uc73c\ub85c \ub0a9\ubd80\uac00 \ud544\uc694\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\uba74\uc81c \uae30\uac04<\/strong>\uff1a\ud30c\uacac \ub2f9\ucd08 60\uac1c\uc6d4, \ucd94\uac00\ub85c 36\uac1c\uc6d4 \uc5f0\uc7a5 \uac00\ub2a5\uff08\ucd5c\ub300 96\uac1c\uc6d4\uff09<\/li>\n\n\n\n<li><strong>\ub300\uc0c1\uc790<\/strong>\uff1a\ud55c\uad6d \uad6d\ubbfc\uc5f0\uae08\uc5d0 \uac00\uc785 \uc911\uc778 \ud30c\uacac \uc8fc\uc7ac\uc6d0 \ubc0f \ud604\uc9c0 \ucc44\uc6a9\uc790<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group has-border -border02 is-style-bg_grid\"><div class=\"wp-block-group__inner-container\">\n<p class=\"wp-block-paragraph\"><strong>\uba74\uc81c \uc2e0\uccad \uc808\ucc28<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\ud55c\uad6d \uad6d\ubbfc\uc5f0\uae08\uacf5\ub2e8\uff08NPS\uff09 \uad6d\uc81c\ud611\ub825\uc13c\ud130\uc5d0\uc11c \u300c\ud611\uc815\uc5d0 \uc758\ud55c \uad6d\ubbfc\uc5f0\uae08 \uac00\uc785\uc99d\uba85\uc11c\u300d\ub97c \ubc1c\uae09\ubc1b\ub294\ub2e4<\/li>\n\n\n\n<li>\ud574\ub2f9 \uc99d\uba85\uc11c\ub97c \uad00\ud560 \ubca0\ud2b8\ub0a8 \uc0ac\ud68c\ubcf4\ud5d8\uccad\uff08VSS\uff09\uc5d0 \uc81c\ucd9c\ud55c\ub2e4<\/li>\n\n\n\n<li>\uc2e0\uccad \uc8fc\uccb4\uff1a<strong>\ud30c\uacac \uc8fc\uc7ac\uc6d0\uc740 \ud68c\uc0ac\uff08\uc0ac\uc6a9\uc790\uff09<\/strong>\uac00, <strong>\ud604\uc9c0 \ucc44\uc6a9\uc790\ub294 \ubcf8\uc778<\/strong>\uc774 \uc2e0\uccad<\/li>\n<\/ol>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group is-style-big_icon_caution\"><div class=\"wp-block-group__inner-container\">\n<p class=\"wp-block-paragraph\"><strong>\uc8fc\uc758<\/strong>\uff1a\ud55c\u30fb\ubca0\ud2b8\ub0a8 \ud611\uc815\uc758 \uba74\uc81c \ub300\uc0c1\uc740 <span class=\"swl-marker mark_orange\">\uc5f0\uae08 \ubd80\ubd84\uc5d0 \ud55c\uc815<\/span>\ub429\ub2c8\ub2e4\uff08\uc77c\ubcf8\u30fb\ubca0\ud2b8\ub0a8 \ud611\uc815\ubcf4\ub2e4 \ub300\uc0c1 \ubc94\uc704\uac00 \uc881\uc2b5\ub2c8\ub2e4\uff09. \uc758\ub8cc\ubcf4\ud5d8 \ubd80\ubd84\uc758 \uc2e4\ubb34 \ucde8\uae09\uc774\ub098 \ucd5c\uc2e0 \uc2e0\uccad \uc11c\uc2dd\uc740 \uc720\ub3d9\uc801\uc778 \ubd80\ubd84\uc774 \uc788\uc73c\ubbc0\ub85c, \ud604\uc9c0 \ud68c\uacc4\uc0ac\ubb34\uc18c\ub098 \uc804\ubb38\uac00\uc640 \ud568\uaed8 \ucd5c\uc2e0 \uc6b4\uc6a9\uc744 \ud655\uc778\ud558\uc2dc\uae30\ub97c \uad8c\uc7a5\ud569\ub2c8\ub2e4.<\/p>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\uae30\ud0c0 \uc911\uc694\ud55c \ubcc0\uacbd<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\uccb4\ub0a9 \ubc8c\uce59\uc758 \uac15\ud654\uff08\uc2e0\ubc95 \uc81c40\uc870\u30fb\uc81c41\uc870\uff09<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uc5f0\uccb4 \uc774\uc790<\/strong>\uff1a1\uc77c\ub2f9 <span class=\"swl-marker mark_orange\">0.03%<\/span>\uff08\uc5f0\uc728 \uc57d 10.95%\uff09<\/li>\n\n\n\n<li><strong>\ud615\uc0ac \ucc45\uc784<\/strong>\uc758 \uac00\ub2a5\uc131\uc774 \ubc95\ub960\uc0c1 \uba85\uae30<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ubcf4\ud5d8\ub8cc \uccb4\ub0a9\uc740 \uc9c0\uae08\uae4c\uc9c0 \uc774\uc0c1\uc73c\ub85c \ub192\uc740 \uc5f0\uccb4 \uc774\uc790\uc640 \uc5c4\uaca9\ud55c \ud398\ub110\ud2f0\uc758 \ub300\uc0c1\uc774 \ub429\ub2c8\ub2e4. \ub9e4\uc6d4 \ub0a9\ubd80 \uae30\ud55c\uc744 \uc5c4\uc218\ud558\ub294 \uccb4\uc81c\ub97c \uac16\ucdb0 \uc8fc\uc138\uc694.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ub514\uc9c0\ud138\ud654\uc758 \ucd94\uc9c4<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uc804\uc790 \uc0ac\ud68c\ubcf4\ud5d8 \uc218\ucca9<\/strong>\uff1a2026\ub144 1\uc6d4 1\uc77c\ubd80\ud130 \uc758\ubb34\ud654<\/li>\n\n\n\n<li><strong>\uc218\ucca9 \ubc1c\ud589 \uae30\ud55c<\/strong>\uff1a20\uc77c \u2192 5\uc601\uc5c5\uc77c\ub85c \ub2e8\ucd95<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\ubcf4\ud5d8\ub8cc\uc728\uff08\ubcc0\uacbd \uc5c6\uc74c\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ubcf4\ud5d8\ub8cc\uc728\uc740 \uc774\ubc88 \uac1c\uc815\uc5d0\uc11c\ub294 \ubcc0\uacbd\ub418\uc9c0 \uc54a\uc558\uc2b5\ub2c8\ub2e4. \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\uc885\ubcc4<\/th><th>\uc0ac\uc6a9\uc790 \ubd80\ub2f4<\/th><th>\uadfc\ub85c\uc790 \ubd80\ub2f4<\/th><th>\ud569\uacc4<\/th><\/tr><\/thead><tbody><tr><td>\ud1f4\uc9c1\u30fb\uc720\uc871 \uc5f0\uae08<\/td><td>14%<\/td><td>8%<\/td><td>22%<\/td><\/tr><tr><td>\uc9c8\ubcd1\u30fb\ucd9c\uc0b0<\/td><td>3%<\/td><td>0%<\/td><td>3%<\/td><\/tr><tr><td>\uc0b0\uc7ac\u30fb\uc9c1\uc5c5\ubcd1<\/td><td>0.5%<\/td><td>0%<\/td><td>0.5%<\/td><\/tr><tr><td>\uc0ac\ud68c\ubcf4\ud5d8 \uc18c\uacc4<\/td><td>17.5%<\/td><td>8%<\/td><td>25.5%<\/td><\/tr><tr><td>\uac74\uac15\ubcf4\ud5d8\uff08HI\uff09<\/td><td>3%<\/td><td>1.5%<\/td><td>4.5%<\/td><\/tr><tr><td>\uc2e4\uc5c5\ubcf4\ud5d8\uff08UI\uff09<\/td><td>1%<\/td><td>1%<\/td><td>2%<\/td><\/tr><tr><td><strong>\ud569\uacc4<\/strong><\/td><td><strong>21.5%<\/strong><\/td><td><strong>10.5%<\/strong><\/td><td><strong>32%<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-group is-style-big_icon_point\"><div class=\"wp-block-group__inner-container\">\n<p class=\"wp-block-paragraph\"><strong>\ucc38\uace0\uff1a\uc678\uad6d\uc778 \uadfc\ub85c\uc790\uc758 \ubcf4\ud5d8\ub8cc\uc728<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc704 \ud45c\ub294 \ubca0\ud2b8\ub0a8\uc778 \uadfc\ub85c\uc790 \uae30\uc900\uc785\ub2c8\ub2e4. <strong>\uc678\uad6d\uc778 \uadfc\ub85c\uc790\uff08\uc8fc\uc7ac\uc6d0 \ud3ec\ud568\uff09\ub294 \uc2e4\uc5c5\ubcf4\ud5d8\uff08UI\uff09\uc774 \uc801\uc6a9\ub418\uc9c0 \uc54a\uc73c\ubbc0\ub85c<\/strong>, \ud569\uacc4\ub294 <strong>\ud68c\uc0ac 20.5%\uff0b\ubcf8\uc778 9.5%\uff1d30%<\/strong>\uac00 \ub429\ub2c8\ub2e4\uff08\ubca0\ud2b8\ub0a8\uc778\ubcf4\ub2e4 2% \ub0ae\uc74c\uff09. \ub610\ud55c \uc678\uad6d\uc778\uc758 \uac15\uc81c \uac00\uc785 \uae30\uc900\uc740 \u300c<strong>12\uac1c\uc6d4 \uc774\uc0c1\uc758 \uadfc\ub85c\uacc4\uc57d<\/strong>\u300d\uc774\uba70, \ubca0\ud2b8\ub0a8\uc778\uc5d0\uac8c \ud655\ub300\ub41c \u300c1\uac1c\uc6d4 \uc774\uc0c1\u300d \uae30\uc900\uc740 \uc678\uad6d\uc778\uc5d0\uac8c\ub294 \uc801\uc6a9\ub418\uc9c0 \uc54a\ub294 \uc810\uc5d0 \uc8fc\uc758\ud558\uc2ed\uc2dc\uc624.<\/p>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\ud55c\uad6d\uacc4 \uae30\uc5c5\uc774 \uc9c0\uae08 \ubc14\ub85c \ud574\uc57c \ud560 \uac83<\/h2>\n\n\n\n<div class=\"wp-block-group is-style-big_icon_caution\"><div class=\"wp-block-group__inner-container\">\n<p class=\"wp-block-paragraph\"><strong>2025\ub144 7\uc6d4 \uc2dc\ud589\uae4c\uc9c0 \ub2e4\uc74c\uc744 \ud655\uc778\ud574 \uc8fc\uc138\uc694.<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\ub300\uc0c1\uc790 \ud30c\uc545<\/strong>\uff1a\ud30c\ud2b8\ud0c0\uc784 \uadfc\ub85c\uc790, \uac1c\uc778\uc0ac\uc5c5\uc8fc, \uc678\uad6d\uc778\uff08\ubca0\ud2b8\ub0a8\uc778 \ubc30\uc6b0\uc790\u30fb\ub178\ub3d9 \ud5c8\uac00\uc99d \uba74\uc81c\uc790\uff09\uc73c\ub85c \ubbf8\uac00\uc785\uc778 \uc790\uac00 \uc5c6\ub294\uc9c0 \ud655\uc778<\/li>\n\n\n\n<li><strong>\uc0b0\uc815 \uae30\ucd08\uc758 \uc7ac\uac80\ud1a0<\/strong>\uff1a\uae09\uc5ec \uad6c\uc131 \uc911 \u300c\uae30\ud0c0 \ucd94\uac00 \uc9c0\uae09\uc561\u300d\uc5d0 \ud574\ub2f9\ud558\ub294 \ud56d\ubaa9\uc744 \ud2b9\uc815\ud558\uc5ec, \uc2e0\ubc95 \uae30\uc900\uc5d0 \ube44\ucd94\uc5b4 \uc7ac\ubd84\ub958<\/li>\n\n\n\n<li><strong>\uc8fc\uc7ac\uc6d0\uc758 \ud611\uc815 \uba74\uc81c \ud655\uc778<\/strong>\uff1a\ud55c\uad6d \uad6d\ubbfc\uc5f0\uae08\uc5d0 \uac00\uc785 \uc911\uc778 \uc8fc\uc7ac\uc6d0\uc5d0 \ub300\ud574, \ud55c\u30fb\ubca0\ud2b8\ub0a8 \ud611\uc815\uc5d0 \uc758\ud55c \uc5f0\uae08 \ubd80\ubd84 \uba74\uc81c\uff08NPS \uc99d\uba85\uc11c \u2192 VSS \uc81c\ucd9c\uff09\uc758 \uc801\uc6a9 \uc5ec\ubd80\ub97c \ud655\uc778<\/li>\n\n\n\n<li><strong>\uc9c1\uc6d0\uc5d0 \ub300\ud55c \uc124\uba85<\/strong>\uff1a\uc77c\uc2dc\uae08 \uc778\ucd9c \uc81c\ud55c\uc758 \ubcc0\uacbd\uc5d0 \ub300\ud574, \ud2b9\ud788 \ubca0\ud2b8\ub0a8\uc778 \uc9c1\uc6d0\uc5d0\uac8c \uc870\uae30\uc5d0 \uc8fc\uc9c0\uff08\uc774\uc9c1\ub960\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce60 \uac00\ub2a5\uc131 \uc788\uc74c\uff09<\/li>\n\n\n\n<li><strong>\uae09\uc5ec \uacc4\uc0b0 \uc2dc\uc2a4\ud15c\uc758 \uac31\uc2e0<\/strong>\uff1a\uc0c8\ub85c\uc6b4 \uac00\uc785 \ub300\uc0c1\uc790\ub97c \ud3ec\ud568\ud558\ub3c4\ub85d \uc124\uc815 \ubcc0\uacbd<\/li>\n\n\n\n<li><strong>\uccb4\ub0a9 \ub9ac\uc2a4\ud06c\uc758 \ubc30\uc81c<\/strong>\uff1a\ub9e4\uc6d4 \ubcf4\ud5d8\ub8cc \ub0a9\ubd80 \ud750\ub984\uc744 \uc7ac\ud655\uc778\ud558\uc5ec, \uc5f0\uccb4 \uc774\uc790\uff08\uc5f0\uc728 \uc57d 10.95%\uff09\uc758 \ubc1c\uc0dd\uc744 \ubc29\uc9c0<\/li>\n<\/ol>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\uc815\ub9ac<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">2025\ub144 7\uc6d4 \uc2dc\ud589\uc758 \uac1c\uc815 \uc0ac\ud68c\ubcf4\ud5d8\ubc95\uc740 \ubcf4\ud5d8\ub8cc\uc728\uc740 \uadf8\ub300\ub85c \uc720\uc9c0\ub418\uc5c8\uc9c0\ub9cc, \uac00\uc785 \ub300\uc0c1\uc758 \ud655\ub300, \uc0b0\uc815 \uae30\ucd08\uc758 \uba85\ud655\ud654, \uc77c\uc2dc\uae08 \uc778\ucd9c\uc758 \uc81c\ud55c \uac15\ud654 \ub4f1, \uc2e4\ubb34\uc5d0 \ub300\ud55c \uc601\ud5a5\uc774 \ud070 \uac1c\uc815\uc785\ub2c8\ub2e4. \ud2b9\ud788 <span class=\"swl-marker mark_orange\">\ud30c\ud2b8\ud0c0\uc784 \uadfc\ub85c\uc790\uc758 \uac00\uc785 \uc758\ubb34\ud654<\/span>\uc640 <span class=\"swl-marker mark_orange\">\uccb4\ub0a9 \ubc8c\uce59\uc758 \uac15\ud654<\/span>\ub294 \ud55c\uad6d\uacc4 \uae30\uc5c5\uc774 \ub193\uce58\uae30 \uc26c\uc6b4 \ud3ec\uc778\ud2b8\uc785\ub2c8\ub2e4. \ub610\ud55c \ud55c\uad6d\uc778 \uc8fc\uc7ac\uc6d0\uc5d0 \ub300\ud574\uc11c\ub294 <span class=\"swl-marker mark_orange\">\ud55c\u30fb\ubca0\ud2b8\ub0a8 \uc0ac\ud68c\ubcf4\uc7a5\ud611\uc815\uc5d0 \uc758\ud55c \uc5f0\uae08 \ubd80\ubd84 \uba74\uc81c<\/span>\uc758 \ud65c\uc6a9\uc744 \uc78a\uc9c0 \ub9c8\uc2ed\uc2dc\uc624. \uc2dc\ud589 \uc804\uc5d0 \uc0ac\ub0b4 \uccb4\uc81c\ub97c \uac16\ucd94\uace0, \ud544\uc694\uc5d0 \ub530\ub77c \uc804\ubb38\uac00\uc5d0\uac8c \uc0c1\ub2f4\ud558\uc2dc\uae30\ub97c \uad8c\uc7a5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uad00\ub828 \uae30\uc0ac<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/est.haro-inc.com\/ko\/social-insurance\/vietnam-insurance\/\">\ubca0\ud2b8\ub0a8\uc758 \uc0ac\ud68c\ubcf4\ud5d8 \uc81c\ub3c4\ub97c \ucca0\uc800 \ud574\uc124<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/est.haro-inc.com\/ko\/social-insurance\/social-insurance-for-foreign-employees\/\">\ubca0\ud2b8\ub0a8\uc5d0\uc11c\uc758 \uc678\uad6d\uc778\uc758 \uc0ac\ud68c\ubcf4\ud5d8<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/est.haro-inc.com\/ko\/payroll\/vietnam-payroll-deductions\/\">\ubca0\ud2b8\ub0a8\uc758 \uae09\uc5ec \uacf5\uc81c\ub97c \uc644\uc804 \uac00\uc774\ub4dc<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/est.haro-inc.com\/ko\/payroll\/vietnam-minimum-wage-social-insurance-2026\/\">2026\ub144 \ubca0\ud2b8\ub0a8 \ucd5c\uc800\uc784\uae08\uacfc \uc0ac\ud68c\ubcf4\ud5d8 \uc0c1\ud55c\uc561<\/a><\/li>\n<\/ul>\n\n\n<div class=\"p-blogParts post_content\" data-partsID=\"1568\">\n<div class=\"swell-block-fullWide pc-py-60 sp-py-40 has-bg-img alignfull lazyload\" style=\"background-color:rgba(247, 247, 247, 0.41)\" data-bg=\"http:\/\/est.haro-inc.com\/wp-content\/uploads\/2025\/11\/DSC_1122.jpg\"><div class=\"swell-block-fullWide__inner l-article\">\n<div class=\"wp-block-columns\">\n<div class=\"wp-block-column\">\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"600\" height=\"400\" src=\"http:\/\/est.haro-inc.com\/wp-content\/uploads\/2025\/11\/cta2.png\" alt=\"\" class=\"wp-image-504\" srcset=\"https:\/\/est.haro-inc.com\/wp-content\/uploads\/2025\/11\/cta2.png 600w, https:\/\/est.haro-inc.com\/wp-content\/uploads\/2025\/11\/cta2-300x200.png 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/figure>\n\n\n\n<div class=\"swell-block-button blue_ is-style-btn_normal\"><a href=\"https:\/\/est.haro-inc.com\/ko\/download\/\" class=\"swell-block-button__link\"><span>\uc790\ub8cc \ub2e4\uc6b4\ub85c\ub4dc\ud558\uae30<\/span><\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column\">\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"600\" height=\"400\" src=\"http:\/\/est.haro-inc.com\/wp-content\/uploads\/2025\/11\/cta1.png\" alt=\"\" class=\"wp-image-505\" srcset=\"https:\/\/est.haro-inc.com\/wp-content\/uploads\/2025\/11\/cta1.png 600w, https:\/\/est.haro-inc.com\/wp-content\/uploads\/2025\/11\/cta1-300x200.png 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/figure>\n\n\n\n<div class=\"swell-block-button green_ is-style-btn_normal\"><a href=\"https:\/\/est.haro-inc.com\/ko\/contact\/\" class=\"swell-block-button__link\"><span>\ubb38\uc758\ud558\uae30<\/span><\/a><\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n<\/div>","protected":false},"excerpt":{"rendered":"<p>2025\ub144 7\uc6d4 \uc2dc\ud589 \ubca0\ud2b8\ub0a8 \uac1c\uc815 \uc0ac\ud68c\ubcf4\ud5d8\ubc95\uc774\ub780 2024\ub144 6\uc6d4 29\uc77c, \ubca0\ud2b8\ub0a8 \uad6d\ud68c\ub294 \uac1c\uc815 \uc0ac\ud68c\ubcf4\ud5d8\ubc95\uff08Lu\u1eadt B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i s\u1ed1 41\/2024\/QH15\uff09\uc744 \uac00\uacb0\ud588\uc2b5\ub2c8\ub2e4. 2025\ub144 7\uc6d4 1\uc77c\ubd80\ud130 \uc2dc\ud589\ub418\uba70, \uad6c\ubc95\uff082014\ub144 \uc0ac\ud68c\ubcf4\ud5d8\ubc95 Law 58\/2014\/QH13\uff09\uc744 \ud3d0\uc9c0\u30fb\ub300\uccb4\ud569\ub2c8\ub2e4. \uc774\ubc88 \uac1c\uc815\uc5d0\uc11c\ub294 \uac00\uc785 \ub300\uc0c1\uc758 \ud655\ub300, \uc0b0\uc815 \uae30\ucd08\uc758 \uba85\ud655\ud654, \uc5f0\uae08 \uc218\uae09 \uc694\uac74\uc758 \uc644\ud654, \uc77c\uc2dc\uae08 \uc778\ucd9c\uc758 \uc81c\ud55c \uac15\ud654 \ub4f1, \ud55c\uad6d\uacc4 \uae30\uc5c5\uc758 \uc778\uc0ac\u30fb\uae09\uc5ec \uc2e4\ubb34\uc5d0 \uc9c1\uacb0\ub418\ub294 \ubcc0\uacbd\uc774 \ub2e4\uc218 \ud3ec\ud568\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. 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