{"id":20141,"date":"2022-12-16T01:37:50","date_gmt":"2022-12-15T16:37:50","guid":{"rendered":"http:\/\/hyunsik.me\/wordpress\/?p=20141"},"modified":"2022-12-16T01:40:51","modified_gmt":"2022-12-15T16:40:51","slug":"%ea%b2%bd%ec%a0%9c-%ec%9a%a9%ec%96%b4-%eb%aa%a8%eb%9f%b4-%ed%95%b4%ec%a0%80%eb%93%9cmoral-hazard%ec%99%80-%eb%8f%84%eb%8d%95%ec%a0%81-%ed%95%b4%ec%9d%b4","status":"publish","type":"post","link":"http:\/\/hyunsik.me\/wordpress\/?p=20141","title":{"rendered":"[\uacbd\uc81c \uc6a9\uc5b4] \ubaa8\ub7f4 \ud574\uc800\ub4dc(moral hazard)\uc640 \ub3c4\ub355\uc801 \ud574\uc774"},"content":{"rendered":"<p>[mqe][\/mqe]<\/p>\n<p style=\"text-align: center;\"><img src=\"http:\/\/hyunsik.me\/wordpress\/wp-content\/uploads\/2022\/12\/20221216_013643.png\" alt=\"\" width=\"450\" \/><\/p>\n<p>\ub124\uc774\ubc84 \uc9c0\uc2dd\ubc31\uacfc\uc758 &lt;\uc0c1\uc2dd\uc73c\ub85c \ubcf4\ub294 \uc138\uc0c1\uc758 \ubc95\uce59 : \uacbd\uc81c\ud3b8&gt;\uc5d0 \uc758\ud558\uba74 &#8216;\ubaa8\ub7f4 \ud574\uc800\ub4dc(moral hazard)&#8217;\ub294 \ud2b9\uc815\uc778\uc758 \ud589\uc704\ub85c \uc778\ud55c \uc704\ud5d8\uc758 \ubd80\ub300\ube44\uc6a9\uc744 \ud0c0\uc778\uc774 \ubd80\ub2f4\ud558\uac8c \ub428\uc73c\ub85c\uc368 \uadf8 \ud2b9\uc815\uc778\uc774 \uc704\ud5d8\ud589\uc704\uc5d0 \ub300\ud55c \uc8fc\uc758\ub97c \ub35c \uae30\uc6b8\uc774\uac8c \ub420 \ub54c\ub97c \uc758\ubbf8\ud55c\ub2e4. \uacbd\uc81c\ud559\uc801\uc73c\ub85c\ub294 \uc8fc\ub85c \ub2e4\uc591\ud55c \uac70\ub798\uacc4\uc57d \uccb4\uacb0 \uc774\ud6c4 \ubc1c\uc0dd\ud558\ub294 \uc5b4\ub290 \ud55c\ucabd \ub2f9\uc0ac\uc790\uc758 \ud589\uc704\ub85c \uc778\ud574 \ub2e4\ub978 \ucabd \ub2f9\uc0ac\uc790\uac00 \uc190\ud574\ub97c \ubcf4\ub294 \uc0c1\ud669\uc744 \uc758\ubbf8\ud55c\ub2e4.<\/p>\n<p>\uc608\ub97c \ub4e4\uc790\uba74, \ud654\uc7ac \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud558\uae30 \uc774\uc804\uc5d0 \ud654\uc7ac\uc5d0 \ub300\ud574 \uc801\uadf9\uc801\uc778 \uc608\ubc29 \uc870\uce58\ub97c \ucde8\ud588\ub358 A\uad70\uc740 \ud654\uc7ac \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud55c \uc774\ud6c4\uc5d0\ub294 \ud654\uc7ac\uc5d0 \ub300\ud55c \uc801\uadf9\uc801\uc778 \uc608\ubc29\uc744 \ud558\uc9c0 \uc54a\uc558\ub2e4. \uc774\ub7f0 \uacbd\uc6b0\ub97c &#8216;\ubaa8\ub7f4 \ud574\uc800\ub4dc(moral hazard)&#8217;\ub85c \ubcfc \uc218 \uc788\ub2e4.<\/p>\n<ul>\n<li>\ubcf8 \ub0b4\uc6a9\uc740 &lt;\uc0c1\uc2dd\uc73c\ub85c \ubcf4\ub294 \uc138\uc0c1\uc758 \ubc95\uce59 : \uacbd\uc81c\ud3b8&gt;\uc758 &#8216;\ubaa8\ub7f4 \ud574\uc800\ub4dc&#8217;\ub97c \uc77c\ubd80 \ucc38\uace0\ud558\uc600\ub2e4.<\/li>\n<li>\ubaa8\ub7f4 \ud574\uc800\ub4dc(moral hazard) : [ <a href=\"https:\/\/terms.naver.com\/entry.naver?docId=3387052&amp;cid=58393&amp;categoryId=58393\" target=\"_blank;\" rel=\"noopener noreferrer\">\ub124\uc774\ubc84 \uc9c0\uc2dd\ubc31\uacfc(\uc0c1\uc2dd\uc73c\ub85c \ubcf4\ub294 \uc138\uc0c1\uc758 \ubc95\uce59 : \uacbd\uc81c\ud3b8)\uc5d0\uc11c \uc790\uc138\ud788 \ubcf4\uae30<\/a> ]<\/li>\n<li>\ubaa8\ub7f4 \ud574\uc800\ub4dc(moral hazard) : [ <a href=\"https:\/\/namu.wiki\/w\/%EB%8F%84%EB%8D%95%EC%A0%81%20%ED%95%B4%EC%9D%B4\" target=\"_blank;\" rel=\"noopener noreferrer\">\ub098\ubb34\uc704\ud0a4\uc5d0\uc11c \uc790\uc138\ud788 \ubcf4\uae30<\/a> ]<\/li>\n<li>\ubaa8\ub7f4 \ud574\uc800\ub4dc(moral hazard) : [ <a href=\"https:\/\/eiec.kdi.re.kr\/publish\/naraView.do?cidx=4430\" target=\"_blank;\" rel=\"noopener noreferrer\">KDI \uacbd\uc81c\uc815\ubcf4\uc13c\ud130\uc5d0\uc11c \ubcf4\uae30<\/a> ]<\/li>\n<li>\ubaa8\ub7f4 \ud574\uc800\ub4dc(moral hazard) : [ <a href=\"https:\/\/terms.naver.com\/entry.naver?docId=1838466&amp;cid=42045&amp;categoryId=42045\" target=\"_blank;\" rel=\"noopener noreferrer\">\ub124\uc774\ubc84 \uc9c0\uc2dd\ubc31\uacfc(\uc120\uc0e4\uc778 \uc9c0\uc2dd\ub178\ud2b8)\uc5d0\uc11c \uc790\uc138\ud788 \ubcf4\uae30<\/a> ]<\/li>\n<\/ul>\n<p>&#8216;\ubaa8\ub7f4 \ud574\uc800\ub4dc(moral hazard)&#8217;\ub294 \uc6b0\ub9ac\ub9d0\ub85c &#8216;\ub3c4\ub355\uc801 \ud574\uc774&#8217;\ub85c \ubc88\uc5ed\ub418\ub294 \uacbd\uc6b0\uac00 \ub9ce\ub2e4. \ud558\uc9c0\ub9cc \uadf8 \uc758\ubbf8\uac00 \ub3d9\uc77c\ud558\ub2e4\uace0 \ubcfc \uc218\ub294 \uc5c6\ub2e4.<\/p>\n<p>19\uc138\uae30 \ub9d0\uae4c\uc9c0 \uc601\uad6d \ubcf4\ud5d8\ud68c\uc0ac\ub4e4\uc740 \ud53c\ubcf4\ud5d8\uc790\ub4e4\uc758 \u2018\ubd80\ub3c4\ub355\ud55c \ud589\uc704\u2019\ub97c \uac00\ub9ac\ud0a4\ub294 \uc724\ub9ac\uc801 \uc758\ubbf8\ub85c \uc774 \ub9d0\uc744 \uc0ac\uc6a9\ud574 \uc654\ub2e4\uace0 \ud55c\ub2e4. \uc774\ub294 \ubaa8\ub7f4\ud574\uc800\ub4dc\uc758 \uc6b0\ub9ac\ub9d0 \ubc88\uc5ed\uc778 \u2018\ub3c4\ub355\uc801 \ud574\uc774\u2019\uc758 \uc0ac\uc804\uc801 \uc758\ubbf8\uc774\uae30\ub3c4 \ud558\ub2e4. \ud558\uc9c0\ub9cc 1960\ub144\ub300 \uc774\ud6c4 \uacbd\uc81c\ud559\uc790\ub4e4\uc740 \uc704\ud5d8\uc5d0 \ub300\ud55c \ud3c9\uac00\uac00 \ucda9\ubd84\ud788 \uc774\ub8e8\uc5b4\uc9c0\uc9c0 \ubabb\ud558\uac70\ub098, \uc704\ud5d8 \ubc1c\uc0dd\uc5d0 \ub530\ub978 \ube44\uc6a9\uc774 \uc704\ud5d8\ud589\uc704 \uc8fc\uccb4\uac00 \uc544\ub2cc \uc81c3\uc790\uc5d0\uac8c \uc804\uac00\ub420 \ub54c \ubc1c\uc0dd\ud558\ub294 \ube44\ud6a8\uc728(inefficiency)\uc744 \ubaa8\ub7f4\ud574\uc800\ub4dc\ub77c\uace0 \uc815\uc758\ud574 \uc654\ub2e4.<\/p>\n<p>&#8216;\ubaa8\ub7f4 \ud574\uc800\ub4dc(moral hazard)&#8217;\uc640 \uad00\ub828\ud55c \uacbd\uc81c\ud559\uc801 \ub0b4\uc6a9\uc740 \ub354 \uae4a\uace0 \ubcf5\uc7a1\ud558\ub2e4. \uc704\uc758 \ub2e4\uc591\ud55c \ub9c1\ud06c\ub97c \ucc38\uace0\ud558\uba74 \uae4a\uc740 \ub0b4\uc6a9\uc744 \ud655\uc778\ud560 \uc218 \uc788\ub2e4. \uc774 \uae00\uc740 \uc5ec\uae30\uae4c\uc9c0\ub9cc \ud558\uaca0\ub2e4.<\/p>\n<p>[mqe][\/mqe]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[mqe][\/mqe] \ub124\uc774\ubc84 \uc9c0\uc2dd\ubc31\uacfc\uc758 &lt;\uc0c1\uc2dd\uc73c\ub85c \ubcf4\ub294 \uc138\uc0c1\uc758 \ubc95\uce59 : \uacbd\uc81c\ud3b8&gt;\uc5d0 \uc758\ud558\uba74 &#8216;\ubaa8\ub7f4 \ud574\uc800\ub4dc(moral hazard)&#8217;\ub294 \ud2b9\uc815\uc778\uc758 \ud589\uc704\ub85c \uc778\ud55c \uc704\ud5d8\uc758 \ubd80\ub300\ube44\uc6a9\uc744 \ud0c0\uc778\uc774 \ubd80\ub2f4\ud558\uac8c \ub428\uc73c\ub85c\uc368 \uadf8 \ud2b9\uc815\uc778\uc774 \uc704\ud5d8\ud589\uc704\uc5d0 \ub300\ud55c \uc8fc\uc758\ub97c \ub35c \uae30\uc6b8\uc774\uac8c \ub420 \ub54c\ub97c \uc758\ubbf8\ud55c\ub2e4. \uacbd\uc81c\ud559\uc801\uc73c\ub85c\ub294 \uc8fc\ub85c \ub2e4\uc591\ud55c \uac70\ub798\uacc4\uc57d \uccb4\uacb0 \uc774\ud6c4 \ubc1c\uc0dd\ud558\ub294 \uc5b4\ub290 \ud55c\ucabd \ub2f9\uc0ac\uc790\uc758 \ud589\uc704\ub85c \uc778\ud574 \ub2e4\ub978 \ucabd \ub2f9\uc0ac\uc790\uac00 \uc190\ud574\ub97c \ubcf4\ub294 \uc0c1\ud669\uc744 \uc758\ubbf8\ud55c\ub2e4. \uc608\ub97c \ub4e4\uc790\uba74, \ud654\uc7ac \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud558\uae30 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"spay_email":""},"categories":[1907],"tags":[3126,1098,2374,1898,3128,3127,3124,3123,3129,3125],"jetpack_featured_media_url":"","views":"","jetpack-related-posts":[],"_links":{"self":[{"href":"http:\/\/hyunsik.me\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/20141"}],"collection":[{"href":"http:\/\/hyunsik.me\/wordpress\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/hyunsik.me\/wordpress\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/hyunsik.me\/wordpress\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/hyunsik.me\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=20141"}],"version-history":[{"count":4,"href":"http:\/\/hyunsik.me\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/20141\/revisions"}],"predecessor-version":[{"id":20147,"href":"http:\/\/hyunsik.me\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/20141\/revisions\/20147"}],"wp:attachment":[{"href":"http:\/\/hyunsik.me\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=20141"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/hyunsik.me\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=20141"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/hyunsik.me\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=20141"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}