{"id":708562,"date":"2026-08-05T11:43:11","date_gmt":"2026-08-05T03:43:11","guid":{"rendered":"https:\/\/law.asia\/?p=708562"},"modified":"2026-08-26T15:18:35","modified_gmt":"2026-08-26T07:18:35","slug":"retirement-cost-creep","status":"publish","type":"post","link":"https:\/\/law-asia.visibleone.dev\/ko\/retirement-cost-creep\/","title":{"rendered":"\ubd88\uc5b4\ub098\ub294 \uc5f0\uae08 \ubd80\ub2f4"},"content":{"rendered":"<p><em><span class=\"vantage-grey\"><strong>\uc544\uc2dc\uc544\u00b7\ud0dc\ud3c9\uc591 \uc804\uc5ed\uc5d0\uc11c \uc778\uad6c \uace0\ub839\ud654\uac00 \ube60\ub974\uac8c \uc9c4\ud589\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uae30\ub300\uc218\uba85\uc774 \ub298\uc5b4\ub098\ub294 \uac00\uc6b4\ub370 \uac01\uad6d \uc815\ubd80\uac00 \ud1f4\uc9c1\uc5f0\uae08 \uc81c\ub3c4\ub97c \uc787\ub2ec\uc544 \uac1c\ud3b8\ud558\uba74\uc11c, \uc0ac\ub0b4\ubcc0\ud638\uc0ac\ub4e4\ub3c4 \ubcc0\ud654\ud558\ub294 \uad00\ub828 \uaddc\uc81c\uc640 \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \uc694\uac74\uc5d0 \ubc1c\ub9de\ucdb0\uc57c \ud569\ub2c8\ub2e4. <span style=\"color: #000000;\">ABLJ<\/span> \ud3b8\uc9d1\uad6d\uc5d0\uc11c \ubcf4\ub3c4\ud569\ub2c8\ub2e4<\/strong><\/span><\/em><\/p>\n<p>\uc544\uc2dc\uc544\u00b7\ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc774 \uc6b0\ub824\uc2a4\ub7ec\uc6b4 \uc778\uad6c \uad6c\uc870 \ubcc0\ud654\uc5d0 \uc9c1\uba74\ud574 \uc788\ub2e4. \uace0\ub839\ud654\ub294 \ub354 \uc774\uc0c1 \uc77c\ubd80 \uad6d\uac00\uc5d0 \uad6d\ud55c\ub41c \ubb38\uc81c\uac00 \uc544\ub2c8\ub77c, \uc9c0\uc5ed \uc804\uccb4\uc758 \uad6c\uc870\uc801 \uacfc\uc81c\ub85c \ub5a0\uc624\ub974\uace0 \uc788\ub2e4. \uc138\uacc4\uacbd\uc81c\ud3ec\ub7fc\uc5d0 \ub530\ub974\uba74, 2050\ub144\uc5d0\ub294 \uc544\uc2dc\uc544 \uc778\uad6c 4\uba85 \uc911 1\uba85\uc774 60\uc138\ub97c \ub118\uc744 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\uba70, 30\ub144\ub3c4 \ucc44 \uc9c0\ub098\uc9c0 \uc54a\uc544 \uace0\ub839\uc778\uad6c\uac00 \uc57d 13\uc5b5\uba85\uc5d0 \uc774\ub97c \uc804\ub9dd\uc774\ub2e4.<\/p>\n<p>Lewis Silkin\uc758 \ubcc0\ud638\uc0ac Madeleine JEPHCOTT, Catherine LEUNG, Vanessa IP\uc774 \uc791\uc131\ud55c \ubcf4\uace0\uc11c\uc5d0 \ub530\ub974\uba74, \ub178\ub3d9\uc2dc\uc7a5 \ucc38\uac00\uc728 \uc5ed\uc2dc 2023\ub144 61%\uc5d0\uc11c 2050\ub144 55%\ub85c \ud558\ub77d\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub41c\ub2e4. \uc774\ub294 \uc8fc\ub85c 65\uc138 \uc774\uc0c1 \uc778\uad6c \ube44\uc911\uc774 \ub298\uc5b4\ub098\ub294 \ub370 \ub530\ub978 \uac83\uc774\ub2e4. \uc774 \uac19\uc740 \uc0c1\ud669\uc740 \uc9c0\uc5ed \ub0b4 \uc5ec\ub7ec \uad6d\uac00\uc5d0 \uacbd\uc885\uc744 \uc6b8\ub838\uace0, \uac01\uad6d \uc815\ubd80\ub294 \uc0ac\ud68c\ubcf4\uc7a5 \uae30\uc5ec\uc728 \uc778\uc0c1\uc5d0\uc11c \uc815\ub144 \uc5f0\uc7a5\uc5d0 \uc774\ub974\uae30\uae4c\uc9c0 \uadfc\ub85c\uc0dd\ud65c \uc804\ubc18\uc5d0 \uac78\uce5c \uac1c\ud601\uc5d0 \ub098\uc11c\uace0 \uc788\ub2e4.<\/p>\n<p>\ucd9c\uc0b0\uc728 \ud558\ub77d\uacfc \uae30\ub300\uc218\uba85 \uc99d\uac00\ub97c \ube44\ub86f\ud55c \uad6c\uc870\uc801 \uc694\uc778\ub4e4\uc774 \uacb9\uce58\uba74\uc11c \uc0ac\ud68c\ubcf4\uc7a5\uc81c\ub3c4\uc5d0 \ub300\ud55c \uc555\ubc15\ub3c4 \ucee4\uc9c0\uace0 \uc788\ub2e4. \uc5ec\uae30\uc5d0 \uc80a\uc740 \uc138\ub300\ub294 \uc774\uc804 \uc138\ub300\ubcf4\ub2e4 \uc5f0\uae08\uc81c\ub3c4\uc5d0 \uc9c0\uc18d\uc801\uc73c\ub85c \uae30\uc5ec\ud558\uc9c0 \uc54a\ub294 \uacbd\ud5a5\uc744 \ubcf4\uc774\uace0 \uc788\uc73c\uba70, \ub192\uc740 \uc2e4\uc5c5\ub960\uacfc \uc784\uae08 \uc815\uccb4, \uc804\ud1b5\uc801\uc778 \uadfc\ub85c \ubc29\uc2dd\uc5d0 \ub300\ud55c \uc778\uc2dd \ubcc0\ud654\ub3c4 \uc7ac\uc6d0 \uc870\ub2ec \uad6c\uc870\ub97c \ub354\uc6b1 \uc555\ubc15\ud558\uace0 \uc788\ub2e4. \uc774\ub7ec\ud55c \uc694\uc778\ub4e4\uc774 \ub9de\ubb3c\ub9ac\uba74\uc11c \ub9ce\uc740 \uad6d\uac00\uac00 \uc911\ub300\ud55c \uc804\ud658\uc810\uc5d0 \uac00\uae4c\uc6cc\uc9c0\uace0 \uc788\ub2e4.<\/p>\n<p>\uc2f1\uac00\ud3ec\ub974\uc5d0 \uc704\uce58\ud55c Herbert Smith Freehills Kramer (HSF Kramer)\uc758 \ud30c\ud2b8\ub108 \ubcc0\ud638\uc0ac\uc774\uc790 \uc544\uc2dc\uc544 \uace0\uc6a9 \ubc0f \uc9c1\uc7a5\uc870\uc0ac \ubd80\ubb38 \ucd1d\uad04\uc778 Fatim JUMABHOY\ub294 \ub2e4\uc74c\uacfc \uac19\uc774 \ub9d0\ud588\ub2e4.<\/p>\n<p>\u201c\uc774 \uc138 \uac00\uc9c0 \ubd88\ub9ac\ud55c \uc694\uc778\uc774 \uacb9\uce58\uba74\uc11c \ub9e4\uc6b0 \ud604\uc2e4\uc801\uc774\uace0 \uae34\ubc15\ud55c \uc7ac\uc815 \uc555\ubc15\uc774 \uc0dd\uacbc\ub2e4. \uc5f0\uae08 \uc81c\ub3c4\ub294 \ub354 \uc624\ub79c \uae30\uac04\uc5d0 \uac78\uccd0 \uc9c0\uae09\ub3fc\uc57c \ud558\ub294\ub370, \uadf8 \ubcc0\ud654 \uc18d\ub3c4\ub97c \ub530\ub77c\uac08 \ub9cc\ud07c \uae30\uc5ec\uae08\uc774 \ucda9\ubd84\ud788 \ube60\ub974\uac8c \uc313\uc774\uc9c0 \uc54a\uace0 \uc788\ub2e4.\u201d<\/p>\n<p>\uadf8\ub7ec\ub098 \uadf8 \uc601\ud5a5\uc740 \uadfc\ub85c\uc790\uc5d0\uac8c\ub9cc \uad6d\ud55c\ub418\uc9c0 \uc54a\ub294\ub2e4. \uace0\uc6a9\uc8fc \uc5ed\uc2dc \ubd80\ub2f4 \uc99d\uac00\uc5d0 \uc9c1\uba74\ud558\uace0 \uc788\ub2e4. \uc5f0\uae08 \uae30\uc5ec\uae08 \ube44\uc6a9\uc774 \ub192\uc544\uc9c0\ub294 \ud55c\ud3b8, \uaddc\uc81c \ubcc0\ud654\uc5d0 \ub530\ub77c \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \ud658\uacbd\ub3c4 \uacc4\uc18d \ub2ec\ub77c\uc9c0\uace0 \uc788\uae30 \ub54c\ubb38\uc774\ub2e4.<\/p>\n<p><img decoding=\"async\" class=\"alignnone wp-image-708576 size-full\" src=\"https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/Fatim-Jumabhoy-Ko.jpg\" alt=\"\" width=\"900\" height=\"928\" srcset=\"https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/Fatim-Jumabhoy-Ko.jpg 900w, https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/Fatim-Jumabhoy-Ko-291x300.jpg 291w, https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/Fatim-Jumabhoy-Ko-768x792.jpg 768w, https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/Fatim-Jumabhoy-Ko-696x718.jpg 696w, https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/Fatim-Jumabhoy-Ko-407x420.jpg 407w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/p>\n<p>JUMABHOY\ub294 \u201c\ub530\ub77c\uc11c \uc5f0\uae08 \uae30\uc5ec\uc728\uc774 \uc778\uc0c1\ub418\ub294 \uac83\uc740 \ubd88\uac00\ud53c\ud558\ub2e4. \ud2b9\ud788 \ud604\uc7ac\ucc98\ub7fc \uace0\uc6a9\uc8fc\uc640 \uadfc\ub85c\uc790 \ubaa8\ub450 \uc0dd\ud65c\ube44 \ubd80\ub2f4\uc744 \ud06c\uac8c \uc758\uc2dd\ud558\uace0 \uc788\ub294 \uacbd\uc81c \uc0c1\ud669\uc5d0\uc11c\ub294 \uc27d\uc9c0 \uc54a\uc740 \ubb38\uc81c\u201d\ub77c\uace0 \ub9d0\ud588\ub2e4.<\/p>\n<p>\uc774\ub7ec\ud55c \ubcc0\ud654\ub294 \uace0\ub839\ud654\ub77c\ub294 \uad6c\uc870\uc801 \ud604\uc2e4\uc5d0 \uace0\uc6a9\uc8fc\uc640 \uadfc\ub85c\uc790 \ubaa8\ub450\uac00 \uc801\uc751\ud574 \ub098\uac00\uba74\uc11c \uc0c1\ub2f9\ud55c \uc804\ud658\uc774 \uc77c\uc5b4\ub098\uace0 \uc788\uc74c\uc744 \ubcf4\uc5ec\uc900\ub2e4.<\/p>\n<h2><span style=\"color: #008745;\"><strong>\uace0\ub839\ud654\ub77c\ub294 \ud604\uc2e4<\/strong><\/span><\/h2>\n<p>\uc5ec\ub7ec \uad6d\uac00\uc640 \uc9c0\uc5ed\uc5d0\uc11c \uc778\uad6c \uace0\ub839\ud654\uac00 \uc2ec\ud654\ub418\uba74\uc11c, \uc815\ubd80\ub294 \uadfc\ub85c\uc790\ub4e4\uc774 \uc740\ud1f4 \ud6c4\uc5d0\ub3c4 \uacbd\uc81c\uc801\uc73c\ub85c \uc790\ub9bd\ud560 \uc218 \uc788\ub3c4\ub85d \ub300\uc751\uc5d0 \ub098\uc11c\uace0 \uc788\ub2e4. \uc774\ub7ec\ud55c \uc815\ucc45\uc801 \ucd08\uc810\uc740 \uc0ac\ud68c\ubcf4\uc7a5\uc81c\ub3c4 \uc804\ubc18\uc758 \uac1c\ud601\uc73c\ub85c \uc774\uc5b4\uc9c0\uace0 \uc788\uc73c\uba70, \uc5ec\uae30\uc5d0\ub294 \uae30\uc5ec\uc728 \uc778\uc0c1\uacfc \uc815\ub144\uc758 \ub2e8\uacc4\uc801 \uc5f0\uc7a5\uc774 \ud3ec\ud568\ub41c\ub2e4.<\/p>\n<p>\uae00\ub85c\ubc8c \ub370\uc774\ud130\u00b7\ube44\uc988\ub2c8\uc2a4 \uc778\ud154\ub9ac\uc804\uc2a4 \ud50c\ub7ab\ud3fc Statista\uc5d0 \ub530\ub974\uba74, \ud64d\ucf69\uc740 2050\ub144\uae4c\uc9c0 65\uc138 \uc774\uc0c1 \uc778\uad6c \ube44\uc911\uc774 46.4%\uc5d0 \ub2ec\ud574 \uac00\uc7a5 \ub192\uc740 \uc218\uc900\uc744 \uae30\ub85d\ud560 \uac83\uc73c\ub85c \uc804\ub9dd\ub41c\ub2e4. \uc774\uc5d0 \ub530\ub77c 2026\ub144 3\uc6d4\ubd80\ud130 \uc758\ubb34\uc801\ub9bd\uae30\uae08(MPF) \uc81c\ub3c4 \uac1c\ud3b8 \ub17c\uc758\uac00 \uc9c4\ud589 \uc911\uc774\uba70, \uc774\ub294 13\ub144 \ub9cc\uc758 \uccab \uac1c\ud601\uc774 \ub420 \uac00\ub2a5\uc131\uc774 \uc788\ub2e4. \uc81c\uc548\uc758 \ud575\uc2ec\uc740 \ucd5c\uc800 \ubc0f \ucd5c\uace0 \uad00\ub828 \uc18c\ub4dd \uae30\uc900\uc744 \uac01\uac01 7,100\ud64d\ucf69\ub2ec\ub7ec(\uc57d 906\ub2ec\ub7ec)\uc640 3\ub9cc \ud64d\ucf69\ub2ec\ub7ec\uc5d0\uc11c 1\ub9cc \ud64d\ucf69\ub2ec\ub7ec\uc640 4\ub9cc \ud64d\ucf69\ub2ec\ub7ec\ub85c \uc778\uc0c1\ud558\ub294 \uac83\uc774\ub2e4.<\/p>\n<p>\ud604\ud589 \uc81c\ub3c4\uc5d0\uc11c\ub294 \uace0\uc6a9\uc8fc\uc640 \uadfc\ub85c\uc790\uac00 \uac01\uac01 \uadfc\ub85c\uc790 \uae09\uc5ec\uc758 5%\ub97c \ub0a9\ubd80\ud558\uba70, \uac01\uc790 \ubd80\ub2f4\uc561\uc740 \ucd5c\ub300 1,500\ud64d\ucf69\ub2ec\ub7ec\ub85c \uc81c\ud55c\ub41c\ub2e4. \uc758\ubb34\uc801\ub9bd\uae30\uae08\uc81c\ub3c4\uad00\ub9ac\uad6d(MPFA)\uc740 \uc774 \uc0c1\ud55c\uc744 2,000\ud64d\ucf69\ub2ec\ub7ec\ub85c \uc778\uc0c1\ud558\ub294 \ubc29\uc548\uc744 \uac80\ud1a0\ud558\uace0 \uc788\ub2e4. \uc774\ub294 33% \uc778\uc0c1\uc5d0 \ud574\ub2f9\ud55c\ub2e4. \uc774 \ubc29\uc548\uc774 \uc2dc\ud589\ub418\uba74 \uc6d4\uc18c\ub4dd\uc774 1\ub9cc \ud64d\ucf69\ub2ec\ub7ec \ubbf8\ub9cc\uc778 \uadfc\ub85c\uc790\ub294 \ub354 \uc774\uc0c1 \uae30\uc5ec\uae08\uc744 \ub0a9\ubd80\ud558\uc9c0 \uc54a\uc544\ub3c4 \ub41c\ub2e4.<\/p>\n<p>\ud64d\ucf69 Deacons\uc758 \uace0\uc6a9\u00b7\uc5f0\uae08 \ubd80\ubb38 \ucd1d\uad04\uc778 Cynthia CHUNG\uc740 \uae30\uc900 \uc0c1\ud5a5\uc73c\ub85c \uadfc\ub85c\uc790\ub4e4\uc774 \u201c\uc740\ud1f4 \uc2dc \ub354 \ud070 \uc7ac\uc815\uc801 \uc644\ucda9 \uc5ec\ub825\uc744 \ud655\ubcf4\ud560 \uc218 \uc788\uc744 \uac83\u201d\uc774\ub77c\uba70 \u201c\uc774\uac83\uc774 \ubc14\ub85c MPF \uc81c\ub3c4\uc758 \ud575\uc2ec \ubaa9\uc801\u201d\uc774\ub77c\uace0 \ub9d0\ud588\ub2e4.<\/p>\n<p>\ud55c\uad6d\ub3c4 \ube44\uc2b7\ud55c \ubb38\uc81c\uc5d0 \uc9c1\uba74\ud574 \uc788\ub2e4. 2050\ub144\uc5d0\ub294 \uc804\uccb4 \uc778\uad6c\uc758 39.7%\uac00 65\uc138 \uc774\uc0c1\uc774 \ub420 \uac83\uc73c\ub85c \uc804\ub9dd\ub41c\ub2e4.<\/p>\n<p>2026\ub144 1\uc6d4 \ud55c\uad6d \uc815\ubd80\ub294 \uad6d\ubbfc\uc5f0\uae08 \ubcf4\ud5d8\ub8cc\uc728\uc744 9%\uc5d0\uc11c 9.5%\ub85c \uc778\uc0c1\ud588\ub2e4. \uc774\ub294 27\ub144 \ub9cc\uc758 \uccab \uc778\uc0c1\uc774\ub2e4. \ubcf4\ud5d8\ub8cc\uc728\uc740 \uc774\ud6c4 \ub9e4\ub144 0.5%\ud3ec\uc778\ud2b8\uc529 \uc62c\ub77c 2033\ub144\uc5d0\ub294 13%\uc5d0 \ub3c4\ub2ec\ud560 \uc608\uc815\uc774\ub2e4. \uc774\uc5d0 \ub530\ub77c \ud5a5\ud6c4 8\ub144\uac04 \uadfc\ub85c\uc790\uc640 \uace0\uc6a9\uc8fc\ub294 \ub9e4\ub144 \uac01\uac01 0.25%\ud3ec\uc778\ud2b8\uc758 \ucd94\uac00 \ubd80\ub2f4\uc744 \ub098\ub220\uc11c \uc9c0\uac8c \ub41c\ub2e4.<\/p>\n<p>\uc774\uc640 \ud568\uaed8 \uc815\ubd80\ub294 \ubc95\uc815 \uc815\ub144 \uc5f0\uc7a5\uacfc \uad6d\ubbfc\uc5f0\uae08 \uc758\ubb34\uac00\uc785 \uc5f0\ub839\uc744 \ud604\ud589 59\uc138\uc5d0\uc11c 64\uc138\ub85c \ub192\uc774\ub294 \ubc29\uc548\ub3c4 \uac80\ud1a0\ud558\uace0 \uc788\ub2e4.<\/p>\n<p>\uc911\uad6d \uc5ed\uc2dc \uc138\uacc4\uc5d0\uc11c \uac00\uc7a5 \ube60\ub974\uac8c \uace0\ub839\ud654\uac00 \uc9c4\ud589\ub418\ub294 \uad6d\uac00 \uc911 \ud558\ub098\ub85c\uc11c \uc790\uccb4\uc801\uc778 \ubb38\uc81c\uc5d0 \uc9c1\uba74\ud574 \uc788\ub2e4. \uc138\uacc4\ubcf4\uac74\uae30\uad6c\ub294 2040\ub144\uae4c\uc9c0 \uc911\uad6d\uc758 60\uc138 \uc774\uc0c1 \uc778\uad6c\uac00 4\uc5b5 200\ub9cc\uba85, \uc804\uccb4 \uc778\uad6c\uc758 28%\uc5d0 \uc774\ub97c \uac83\uc73c\ub85c \uc804\ub9dd\ud55c\ub2e4. \uc5ec\uae30\uc5d0 \u2018\ud55c \uc790\ub140 \uc815\ucc45\u2019\uc758 \ud6c4\uc720\uc99d\uae4c\uc9c0 \ub354\ud574\uc9c0\uba74\uc11c, \uc740\ud1f4\uc790 \uc218\uc640 \uc2e0\uaddc \ub178\ub3d9\uc2dc\uc7a5 \uc9c4\uc785\uc790 \uc218 \uc0ac\uc774\uc5d0 \uad6c\uc870\uc801 \ubd88\uade0\ud615\uc774 \ubc1c\uc0dd\ud558\uace0 \uc788\ub2e4.<\/p>\n<p>\uc774\uc5d0 \ub530\ub77c \uc911\uad6d \ub2f9\uad6d\uc740 \ub178\ub3d9\uc778\uad6c \uac10\uc18c\uc640 \uc7ac\uc815\ub09c\uc5d0 \ube60\uc9c4 \uc5f0\uae08 \uc81c\ub3c4\uc5d0 \ub300\uc751\ud558\uae30 \uc704\ud574 \uc815\ub144\uc744 \uc5f0\uc7a5\ud558\uace0 \uc788\ub2e4. \uc911\uad6d\uc0ac\ud68c\uacfc\ud559\uc6d0\uc740 \uc5f0\uae08 \uae30\uae08\uc774 2035\ub144\uc774\uba74 \uace0\uac08\ub420 \uc218 \uc788\ub2e4\uace0 \uacbd\uace0\ud588\ub2e4.<\/p>\n<p>\uc911\uad6d\uc740 2025\ub144 1\uc6d4 1\uc77c\ubd80\ud130 15\ub144\uc5d0 \uac78\uccd0 \ubc95\uc815 \uc815\ub144\uc744 \ub2e8\uacc4\uc801\uc73c\ub85c \uc5f0\uc7a5\ud558\uae30 \uc2dc\uc791\ud588\ub2e4. \ub0a8\uc131\uc758 \uc815\ub144\uc740 60\uc138\uc5d0\uc11c 63\uc138\ub85c \uc62c\ub77c\uac04\ub2e4. \uc5ec\uc131\uc758 \uacbd\uc6b0 \uc0dd\uc0b0\uc9c1\uc740 50\uc138\uc5d0\uc11c 55\uc138\ub85c, \uc0ac\ubb34\uc9c1\uc740 55\uc138\uc5d0\uc11c 58\uc138\ub85c \uc5f0\uc7a5\ub41c\ub2e4. \ub610\ud55c 2030\ub144 1\uc6d4 1\uc77c\ubd80\ud130 \uc5f0\uae08 \uc218\uae09 \uc790\uaca9\uc744 \uc5bb\uae30 \uc704\ud574 \ud544\uc694\ud55c \ucd5c\uc18c \ubcf4\ud5d8\ub8cc \ub0a9\ubd80\uae30\uac04\ub3c4 \ud604\ud589 15\ub144\uc5d0\uc11c 20\ub144\uc73c\ub85c \uc810\uc9c4\uc801\uc73c\ub85c \ub298\uc5b4\ub09c\ub2e4. \uc774 \uae30\uac04\uc740 6\uac1c\uc6d4\ub9c8\ub2e4 \ub2e8\uacc4\uc801\uc73c\ub85c \uc5f0\uc7a5\ub420 \uc608\uc815\uc774\ub2e4.<\/p>\n<p><img decoding=\"async\" class=\"alignnone wp-image-708580 size-full\" src=\"https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/John-Dong-Ko.jpg\" alt=\"\" width=\"900\" height=\"928\" srcset=\"https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/John-Dong-Ko.jpg 900w, https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/John-Dong-Ko-291x300.jpg 291w, https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/John-Dong-Ko-768x792.jpg 768w, https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/John-Dong-Ko-696x718.jpg 696w, https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/John-Dong-Ko-407x420.jpg 407w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/p>\n<p>\uc0c1\ud558\uc774 Baohua Law Firm\uc758 \uc2dc\ub2c8\uc5b4 \ud30c\ud2b8\ub108 \ubcc0\ud638\uc0ac John DONG\uc740 \u201c\uc5f0\uae08\uae30\uae08 \ub0a9\ubd80\uae30\uac04 \uc5f0\uc7a5\uc5d0 \uad00\ud55c \uc774\ubc88 \uc815\ucc45\uc740 \uae30\uc5c5\uc758 \uc7ac\uc815 \ubd80\ub2f4 \ub54c\ubb38\uc774\ub77c\uae30\ubcf4\ub2e4\ub294 \uc0ac\ud68c\ubcf4\uc7a5\uae30\uae08\uc758 \uc9c0\uae09 \ubd80\ub2f4\uc774 \ucee4\uc9c4 \ub370\uc11c \ube44\ub86f\ub410\uc744 \uac00\ub2a5\uc131\uc774 \ub354 \ub192\ub2e4\u201d\uace0 \ub9d0\ud588\ub2e4.<\/p>\n<p>\uc911\uad6d\uc758 \uc5f0\uae08\uc81c\ub3c4\ub294 \uc138 \uac00\uc9c0 \ucd95\uc73c\ub85c \uad6c\uc131\ub41c\ub2e4: \uccab\uc9f8\ub294 \uc758\ubb34\uac00\uc785 \ub300\uc0c1\uc778 \uae30\ubcf8\uc5f0\uae08\uc81c\ub3c4\ub85c, \ucd1d \ubcf4\ud5d8\ub8cc\uc728\uc740 24%\uc774\uba70 \uace0\uc6a9\uc8fc\uac00 16%, \uadfc\ub85c\uc790\uac00 8%\ub97c \ubd80\ub2f4\ud55c\ub2e4; \ub458\uc9f8\ub294 \uc9c1\uc5ed\uc5f0\uae08\uacfc \uae30\uc5c5\uc5f0\uae08\uc774\uba70; \uc14b\uc9f8\ub294 \uac1c\uc778\uc5f0\uae08\uc774\ub2e4. \uc9c1\uc5ed\uc5f0\uae08 \uc5ed\uc2dc \uc758\ubb34\uac00\uc785 \ub300\uc0c1\uc774\uba70 \uacf5\ubb34\uc6d0\uacfc \uacf5\uacf5\ubd80\ubb38 \uadfc\ub85c\uc790\uc5d0\uac8c \uc801\uc6a9\ub41c\ub2e4. \uc774 \uacbd\uc6b0 \uace0\uc6a9\uc8fc\uac00 8%, \uadfc\ub85c\uc790\uac00 4%\ub97c \ubd80\ub2f4\ud55c\ub2e4. \ubc18\uba74 \uae30\uc5c5\uc5f0\uae08\uc740 \uc784\uc758\uac00\uc785 \ubc29\uc2dd\uc758 \ubcf4\ucda9\uc801 \ud1f4\uc9c1\uc5f0\uae08\uc73c\ub85c, \uc8fc\ub85c \uad6d\uc720\uae30\uc5c5\uacfc \ubbfc\uac04\uae30\uc5c5\uc5d0\uc11c \ud65c\uc6a9\ub41c\ub2e4. \uac1c\uc778\uc5f0\uae08 \uc5ed\uc2dc \uc790\ubc1c\uc801\uc73c\ub85c \uac00\uc785\ud558\uba70, \uadfc\ub85c\uc790\ub294 \uac1c\uc778\uc5f0\uae08\uacc4\uc88c\uc5d0 \uc5f0\uac04 \ucd5c\ub300 1\ub9cc 2,000\uc704\uc548(\uc57d 1,771\ub2ec\ub7ec)\uae4c\uc9c0 \ub0a9\uc785\ud560 \uc218 \uc788\ub2e4.<\/p>\n<p>John DONG\uc740 \uc911\uad6d \uc5f0\uae08\uc81c\ub3c4\uc5d0 \ucd94\uac00 \ubcc0\ud654\uac00 \uc774\uc5b4\uc9c8 \uac00\ub2a5\uc131\uc774 \ud06c\ub2e4\uace0 \ubcf8\ub2e4. \uadf8\ub294 \u201c\ud5a5\ud6c4 \uba87 \ub144\uac04 \uc5f0\uae08\uacfc \uad00\ub828\ub41c \ucd94\uac00 \uc81c\ub3c4 \ubcc0\ud654\uac00 \uc788\uc744 \uac83\uc73c\ub85c \uc608\uc0c1\ud558\uba70, \uc774\uc5d0 \uc218\ubc18\ud574 \uc77c\ub828\uc758 \uc2dc\ud589\uaddc\uc815\ub3c4 \ub9c8\ub828\ub420 \uac83\uc73c\ub85c \ubcf8\ub2e4. \ud2b9\ud788 \uc815\ub144 \uc5f0\uc7a5, \uac1c\uc778\uc5f0\uae08 \ud504\ub85c\uadf8\ub7a8 \ud655\ub300, \uc0ac\ud68c\ubcf4\ud5d8 \uc900\uc218\uc5d0 \ub300\ud55c \ubcf4\ub2e4 \uc5c4\uaca9\ud55c \uc9d1\ud589 \ub4f1\uc758 \ubd84\uc57c\uc5d0\uc11c \ubcc0\ud654\uac00 \ub098\ud0c0\ub0a0 \uac00\ub2a5\uc131\uc774 \ud06c\ub2e4. \uc911\uad6d\uc758 \ube60\ub978 \uace0\ub839\ud654\uac00 \uc5f0\uae08\uc81c\ub3c4 \uc2a4\uc2a4\ub85c \uc801\uc751\ud558\ub3c4\ub85d \uc555\ubc15\ud558\uace0 \uc788\ub2e4\u201d\uace0 \ub9d0\ud588\ub2e4.<\/p>\n<p>\uc77c\ubcf8\uc740 2007\ub144 \uc804\uccb4 \uc778\uad6c\uc758 21% \uc774\uc0c1\uc774 65\uc138 \uc774\uc0c1\uc778 \uc774\ub978\ubc14 \ucd08\uace0\ub839\uc0ac\ud68c\uc5d0 \uc9c4\uc785\ud588\ub2e4. \uc774\ud6c4 \uc778\uad6c\uad6c\uc870 \ubcc0\ud654\ub294 \ub354\uc6b1 \uc2ec\ud654\ub410\ub2e4. \uc138\uacc4\ubcf4\uac74\uae30\uad6c\uc5d0 \ub530\ub974\uba74 2025\ub144 \uae30\uc900 \uc77c\ubcf8 \uc778\uad6c\uc758 \uc57d 30%\uac00 60\uc138 \uc774\uc0c1\uc774\ub2e4. Statista\ub294 2050\ub144\uc5d0\ub294 \uc804\uccb4 \uc778\uad6c\uc758 37.5%\uac00 65\uc138 \uc774\uc0c1\uc774 \ub420 \uac83\uc73c\ub85c \uc804\ub9dd\ud55c\ub2e4.<\/p>\n<p>\uc774\ub7ec\ud55c \uc601\ud5a5\uc740 \uc774\ubbf8 \ub178\ub3d9\uc2dc\uc7a5\uc5d0\uc11c\ub3c4 \ub098\ud0c0\ub098\uace0 \uc788\ub2e4. \uc77c\ubcf8 \ucd1d\ubb34\uc131\uc5d0 \ub530\ub974\uba74 2023\ub144 65~69\uc138\uc758 \uace0\uc6a9\ub960\uc740 52%\uc5d0 \ub2ec\ud588\uc73c\uba70, \uc0c1\uc2b9 \ucd94\uc138\uac00 \uacc4\uc18d\ub418\uace0 \uc788\ub2e4.<\/p>\n<p>\uc774\uc5d0 \ub300\uc751\ud574 \uc77c\ubcf8\uc740 2021\ub144 4\uc6d4 \uace0\ub839\uc790\uace0\uc6a9\uc548\uc815\ubc95\uc744 \uac1c\uc815\ud574, \uace0\uc6a9\uc8fc\uac00 70\uc138\uae4c\uc9c0 \uace0\uc6a9 \uae30\ud68c\ub97c \ud655\ubcf4\ud558\ub3c4\ub85d \ub178\ub825\ud560 \uc758\ubb34\ub97c \ub3c4\uc785\ud588\ub2e4.<\/p>\n<p>\uc774 \uac19\uc740 \uad6c\uc870\uc801 \uc555\ubc15\uc740 \uc77c\ubcf8\uc758 \uc5f0\uae08\uc81c\ub3c4\ub3c4 \ubc14\uafb8\uace0 \uc788\ub2e4. 2024\ub144 12\uc6d4 \uc5ec\ub2f9\uc740 2025\ub144\ub3c4 \uc138\uc81c\uac1c\uc815\ub300\uac15\uc744 \ubc1c\ud45c\ud558\uba74\uc11c \uae30\uc5c5\ud615 \ud655\uc815\uae30\uc5ec(DC) \uc5f0\uae08 \uc81c\ub3c4\ub97c \uac1c\ud3b8\ud588\ub2e4.<\/p>\n<p>\uc8fc\uc694 \ubcc0\ud654 \uc911 \ud558\ub098\ub294 DC \uc5f0\uae08\uc758 \uc6d4 \ub0a9\uc785\ud55c\ub3c4\ub97c 5\ub9cc 5,000\uc5d4(\uc57d 342\ub2ec\ub7ec)\uc5d0\uc11c 6\ub9cc2,000\uc5d4\uc73c\ub85c \uc778\uc0c1\ud55c \uac83\uc774\ub2e4. \ub610 \ub2e4\ub978 \ud070 \ubcc0\ud654\ub294 \uadfc\ub85c\uc790\uc758 \uc790\ubc1c\uc801 DC \ub0a9\uc785\uc5d0 \ub300\ud55c \uc81c\ud55c\uc744 \ud3d0\uc9c0\ud55c \uac83\uc774\ub2e4. \uae30\uc874\uc5d0\ub294 \uadfc\ub85c\uc790\uc758 \ub9e4\uce6d \ub0a9\uc785\uc561\uc774 \uace0\uc6a9\uc8fc \ub0a9\uc785\uc561\uc744 \ucd08\uacfc\ud560 \uc218 \uc5c6\uc5c8\ub2e4. \uc55e\uc73c\ub85c\ub294 \uc774 \uc81c\ud55c\uc774 \uc5c6\uc5b4\uc838, \ucd1d \ub0a9\uc785\uc561\uc774 \ubc95\uc815 \ud55c\ub3c4 \ub0b4\uc5d0 \uc788\ub294 \ud55c, \uadfc\ub85c\uc790\uac00 \ubcf4\ub2e4 \uc720\uc5f0\ud558\uac8c \ucd94\uac00 \ub0a9\uc785\ud560 \uc218 \uc788\uac8c \ub41c\ub2e4.<\/p>\n<p>\ud638\uc8fc \uc5ed\uc2dc \uc778\uad6c \uace0\ub839\ud654\uac00 \uafb8\uc900\ud788 \uc9c4\ud589\ub418\uace0 \uc788\ub2e4. \ud638\uc8fc\ubcf4\uac74\ubcf5\uc9c0\uc5f0\uad6c\uc6d0\uc740 2020\ub144 \uae30\uc900 65\uc138 \uc774\uc0c1 \uc778\uad6c\uac00 \uc57d 420\ub9cc\uba85\uc73c\ub85c \uc804\uccb4 \uc778\uad6c\uc758 16%\ub97c \ucc28\uc9c0\ud55c\ub2e4\uace0 \ubc1d\ud614\ub2e4. 2066\ub144\uc5d0\ub294 \uc774 \ube44\uc911\uc774 \ucd5c\ub300 23%\uc5d0 \uc774\ub97c \uac83\uc73c\ub85c \uc804\ub9dd\ub41c\ub2e4.<\/p>\n<p><script id=\"infogram_0_10c7207a-4e97-49f7-a32b-1efc5822e9bf\" title=\"KO A2606 APAC AGEING POPULATIONS (60+ YEARS)\" src=\"https:\/\/e.infogram.com\/js\/dist\/embed.js?VC8\" type=\"text\/javascript\"><\/script><\/p>\n<p>\uc778\uad6c\uad6c\uc870\uc758 \uc555\ubc15\uc774 \uc2ec\ud654\ub418\uba74\uc11c \ud1f4\uc9c1\uc5f0\uae08 \uc801\ub9bd\uae08\uc758 \ub0a9\ubd80 \uc900\uc218 \ubb38\uc81c\uc5d0 \ub300\ud55c \uc6b0\ub824\ub3c4 \ub354\uc6b1 \ucee4\uc9c0\uace0 \uc788\ub2e4. \ud638\uc8fc \uc5f0\uae08\uac00\uc785\uc790\ud611\uc758\ud68c\uc5d0 \ub530\ub974\uba74 2018\ub144\ubd80\ud130 2023\ub144\uae4c\uc9c0 \ud638\uc8fc \uadfc\ub85c\uc790 4\uba85 \uc911 1\uba85\uc740 \ud1f4\uc9c1\uc5f0\uae08 \uae30\uc5ec\uae08\uc744 \uc81c\ub300\ub85c \uc9c0\uae09\ubc1b\uc9c0 \ubabb\ud588\uc73c\uba70, \uadf8 \uaddc\ubaa8\ub294 \ucd1d 244\uc5b5 \ud638\uc8fc\ub2ec\ub7ec(\uc57d 171\uc5b5 5,000\ub9cc \ub2ec\ub7ec)\uc5d0 \ub2ec\ud588\ub2e4.<\/p>\n<p>\uc774\uc5d0 \ub530\ub77c \ud638\uc8fc\ub294 \uc9d1\ud589\uc744 \uac15\ud654\ud558\uace0 \uc788\ub2e4. 2026\ub144 7\uc6d4 1\uc77c\ubd80\ud130 \uace0\uc6a9\uc8fc\ub294 \ud604\uc7ac\uc758 \ubd84\uae30\ubcc4 \ub0a9\ubd80 \ubc29\uc2dd \ub300\uc2e0 \uc784\uae08\uacfc \uae09\uc5ec\ub97c \uc9c0\uae09\ud560 \ub54c \ud1f4\uc9c1\uc5f0\uae08 \uae30\uc5ec\uae08\ub3c4 \ub3d9\uc2dc\uc5d0 \ub0a9\ubd80\ud574\uc57c \ud55c\ub2e4.<\/p>\n<p>\uc2dc\ub4dc\ub2c8\uc758 HSF Kramer \ud30c\ud2b8\ub108 \ubcc0\ud638\uc0ac\ub85c \uae08\uc735\uc11c\ube44\uc2a4 \ubd84\uc57c\ub97c \uc804\ubb38\uc73c\ub85c \ud558\uba70 \ud1f4\uc9c1\uc5f0\uae08\uae30\uae08 \ubc0f \uc0dd\uba85\ubcf4\ud5d8 \uace0\uac1d\uc744 \uc790\ubb38\ud558\ub294 Maged GIRGIS\ub294 \u201c\ud1f4\uc9c1\uc5f0\uae08 \uae30\uc5ec\uae08\uc774 \ub354 \uc790\uc8fc, \ub354 \uc774\ub978 \uc2dc\uc810\uc5d0 \ub0a9\ubd80\ub418\uba74 \uadfc\ub85c\uc790\uc758 \uc0dd\uc560 \uc804\uccb4\uc5d0 \uac78\uccd0 \uc801\ub9bd\uae08\uc774 \ub298\uace0 \ubcf5\ub9ac \ud6a8\uacfc\ub3c4 \ucee4\uc9c4\ub2e4. \ud3c9\uade0\uc801\uc778 25\uc138 \uadfc\ub85c\uc790\uc758 \uacbd\uc6b0, \uc774\ub294 \uc740\ud1f4 \uc2dc\uc810\uc5d0 \ud604\uc7ac \uac00\uce58 \uae30\uc900 \uc57d 6,000\ud638\uc8fc\ub2ec\ub7ec\uc758 \ucd94\uac00 \uc801\ub9bd \ud6a8\uacfc\ub85c \uc774\uc5b4\uc9c8 \uac83\uc73c\ub85c \ucd94\uc815\ub41c\ub2e4\u201d\uace0 \ub9d0\ud588\ub2e4.<\/p>\n<p>\uc2f1\uac00\ud3ec\ub974\uc758 \uc911\uc559\uc801\ub9bd\uae30\uae08(CPF)\uc740 2026\ub144 1\uc6d4 1\uc77c\ubd80\ud130 \uc77c\ubd80 \uc81c\ub3c4\uac00 \ubcc0\uacbd\ub410\ub2e4. \uc77c\ubc18\uc784\uae08(OW) \uc0c1\ud55c\uc740 7,400\uc2f1\uac00\ud3ec\ub974\ub2ec\ub7ec(\uc57d 5,745\ub2ec\ub7ec)\uc5d0\uc11c 8,000\uc2f1\uac00\ud3ec\ub974\ub2ec\ub7ec\ub85c \uc778\uc0c1\ub410\uace0, \uace0\ub839 \uadfc\ub85c\uc790\uc758 \uae30\uc5ec\uc728\ub3c4 \ub192\uc544\uc84c\ub2e4. 55~60\uc138 \uadfc\ub85c\uc790\uc758 \uae30\uc5ec\uc728\uc740 32.5%\uc5d0\uc11c 34%\ub85c, 60~65\uc138\ub294 23.5%\uc5d0\uc11c 25%\ub85c \uc778\uc0c1\ub410\uc73c\uba70, 55\uc138 \uc774\ud558 \uadfc\ub85c\uc790\uc758 \uae30\uc5ec\uc728\uc740 37%\ub85c \uc720\uc9c0\ub410\ub2e4.<\/p>\n<p>\uc2f1\uac00\ud3ec\ub974 Shook Lin &amp; Bok\uc758 \ud30c\ud2b8\ub108 TEO Mae Shaan\uc740 OW \uc0c1\ud55c \uc778\uc0c1\uc774 \uc911\u00b7\uace0\uc18c\ub4dd \uadfc\ub85c\uc790\uc758 \ub178\ud6c4\uc790\uae08 \ub9c8\ub828\uc5d0 \ub3c4\uc6c0\uc774 \ub420 \uac83\uc774\ub77c\uace0 \ub9d0\ud588\ub2e4.<\/p>\n<p>TEO\ub294 \u201c\uc0c1\ud55c \uc778\uc0c1\uc73c\ub85c \uc911\uc0b0\uce35 \uadfc\ub85c\uc790\ub4e4\uc774 \ud544\uc694\ud55c \uc740\ud1f4\uc790\uae08\uc744 \ub354 \ube68\ub9ac, \ub098\uc544\uac00 \ub354 \ub192\uc740 \uc218\uc900\uc73c\ub85c \ub9c8\ub828\ud560 \uc218 \uc788\uac8c \ub420 \uac83\u201d\uc774\ub77c\uace0 \ub9d0\ud588\ub2e4.<\/p>\n<p>\uadf8\ub294 \uc774\ub7ec\ud55c \uc778\uc0c1\uc774 \uae30\ub300\uc218\uba85 \uc99d\uac00\uc640 \ub178\ud6c4\uc18c\ub4dd\uc758 \ucda9\ubd84\uc131\uc744 \ud655\ubcf4\ud560 \ud544\uc694\uc131\uc744 \ubc18\uc601\ud55c \uac83\uc774\ub77c\uace0 \uc124\uba85\ud588\ub2e4. \uc2f1\uac00\ud3ec\ub974 \ud1b5\uacc4\uccad\uc758 \uc7a0\uc815 \uc790\ub8cc\uc5d0 \ub530\ub974\uba74 2025\ub144 \uae30\uc900 65\uc138\uc778 \uc2f1\uac00\ud3ec\ub974\uc778\uc740 \ud3c9\uade0\uc801\uc73c\ub85c 86.6\uc138\uae4c\uc9c0 \uc0dd\uc874\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub41c\ub2e4.<\/p>\n<p>\uadf8\ub294 \u201c55\uc138\ubd80\ud130 10\ub144 \uc774\uc0c1 \ub354 \ub192\uc740 CPF \uae30\uc5ec\uc728\uc774 \uc801\uc6a9\ub418\uba74 \ud604\uc7ac\uc640 \ubbf8\ub798\uc758 \uadfc\ub85c\uc790 \ubaa8\ub450 \ub178\ud6c4\uc790\uae08\uc758 \ucda9\ubd84\uc131\uc744 \ub192\uc77c \uc218 \uc788\ub2e4\u201d\uba70 \u201c\ud2b9\ud788 \ub178\ub3d9\uc2dc\uc7a5\uc5d0 \ub2a6\uac8c \ubcf5\uadc0\ud588\uac70\ub098 \ud3c9\uc0dd \uc784\uae08 \uc218\uc900\uc774 \ub0ae\uc558\ub358 \uadfc\ub85c\uc790\ub4e4\uc5d0\uac8c \ub3c4\uc6c0\uc774 \ub420 \uac83\u201d\uc774\ub77c\uace0 \ub9d0\ud588\ub2e4.<\/p>\n<p>\uae30\uc5ec\uc728\uc740 \uc55e\uc73c\ub85c\ub3c4 \uacc4\uc18d \uc778\uc0c1\ub420 \uc608\uc815\uc774\ub2e4. Lawrence WONG \ucd1d\ub9ac\ub294 2026\ub144 \uc608\uc0b0 \uc5f0\uc124\uc5d0\uc11c 2030\ub144\uae4c\uc9c0 37%\ub97c \ubaa9\ud45c\ub85c \ud558\ub294 \uc7a5\uae30 \uacc4\ud68d\uc758 \uc77c\ud658\uc73c\ub85c 55~60\uc138 \uadfc\ub85c\uc790\uc758 \uae30\uc5ec\uc728\uc744 35.5%\ub85c, 60~65\uc138 \uadfc\ub85c\uc790\uc758 \uae30\uc5ec\uc728\uc744 26%\ub85c \uc778\uc0c1\ud558\uaca0\ub2e4\uace0 \ubc1c\ud45c\ud588\ub2e4.<\/p>\n<p>\uc2f1\uac00\ud3ec\ub974 Drew &amp; Napier\uc758 \uae30\uc5c5\u00b7M&amp;A \ubd80\ubb38 \ub514\ub809\ud130\uc774\uc790 \uace0\uc6a9 \ubd80\ubb38 \uad6c\uc131\uc6d0\uc778 Joel TAN\uc740 \uc55e\uc73c\ub85c \ucd94\uac00\uc801\uc778 \uc81c\ub3c4 \ubcc0\ud654\uac00 \uc774\uc5b4\uc9c8 \uac00\ub2a5\uc131\uc774 \uc788\ub2e4\uace0 \ub9d0\ud588\ub2e4.<\/p>\n<p><img decoding=\"async\" class=\"alignnone wp-image-708588 size-full\" src=\"https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/Joel-Tan-Ko.jpg\" alt=\"\" width=\"900\" height=\"928\" srcset=\"https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/Joel-Tan-Ko.jpg 900w, https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/Joel-Tan-Ko-291x300.jpg 291w, https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/Joel-Tan-Ko-768x792.jpg 768w, https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/Joel-Tan-Ko-696x718.jpg 696w, https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/Joel-Tan-Ko-407x420.jpg 407w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/p>\n<p>\uadf8\ub294 \u201cCPF \uc81c\ub3c4\ub294 \uc2f1\uac00\ud3ec\ub974\uc758 \uc778\uad6c \uace0\ub839\ud654\uc640 \uae30\ub300\uc218\uba85 \uc99d\uac00\uc5d0 \ub300\uc751\ud558\ub294 \ud55c\ud3b8, \uc2f1\uac00\ud3ec\ub974 \uad6d\ubbfc\uc774 \uc740\ud1f4\u00b7\uc8fc\uac70\u00b7\uc758\ub8cc\ube44\ub97c \uc704\ud574 \uc800\ucd95\ud560 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud55c\ub2e4\ub294 CPF\uc758 \ubaa9\uc801\uc744 \ub4b7\ubc1b\uce68\ud558\uae30 \uc704\ud574 \uc55e\uc73c\ub85c\ub3c4 \uacc4\uc18d \ubc1c\uc804\ud560 \uac00\ub2a5\uc131\uc774 \ub192\ub2e4\u201d\uace0 \ub9d0\ud588\ub2e4.<\/p>\n<h2><span style=\"color: #008745;\"><strong>\uc810\uc9c4\uc801\uc778 \ubcc0\ud654<\/strong><\/span><\/h2>\n<p>\ubaa8\ub4e0 \uc544\uc2dc\uc544 \uad6d\uac00\uac00 \uc0ac\ud68c\ubcf4\uc7a5\uc81c\ub3c4 \uac1c\ud601\uc744 \uc2dc\uae09\ud558\uac8c \ucd94\uc9c4\ud574\uc57c \ud558\ub294 \uc0c1\ud669\uc5d0 \ub193\uc778 \uac83\uc740 \uc544\ub2c8\ub2e4. \ud544\ub9ac\ud540\uc758 \ud569\uacc4\ucd9c\uc0b0\uc728\uc740 1993\ub144 \uc5ec\uc131 1\uba85\ub2f9 4.1\uba85\uc5d0\uc11c 2025\ub144 1.7\uba85\uc73c\ub85c \uac10\uc18c\ud588\uc9c0\ub9cc, \uc5ec\uc804\ud788 \ub9ce\uc740 \uc544\uc2dc\uc544 \uad6d\uac00\uc640 \ube44\uad50\ud558\uba74 \uc0c1\ub300\uc801\uc73c\ub85c \ub192\uc740 \uc218\uc900\uc774\ub2e4.<\/p>\n<p>\ube60\ub974\uac8c \uace0\ub839\ud654\ud558\uace0 \uc788\ub294 \uc544\uc2dc\uc544\u00b7\ud0dc\ud3c9\uc591 \uad6d\uac00\ub4e4\uacfc \ub2ec\ub9ac \ud544\ub9ac\ud540\uc740 \uc544\uc9c1 \ub300\ub300\uc801\uc778 \uc5f0\uae08 \uac1c\ud601\uc5d0 \ub098\uc11c\uace0 \uc788\uc9c0 \uc54a\ub2e4. \ub300\uc2e0 \ucd5c\uadfc \ubcc0\ud654\ub294 \ud544\ub9ac\ud540 \ubbfc\uac04\ubd80\ubb38 \uadfc\ub85c\uc790\ub97c \uc704\ud55c \uc8fc\uc694 \uc0ac\ud68c\ubcf4\uc7a5\uae30\uad00\uc778 \uc0ac\ud68c\ubcf4\uc7a5\uc81c\ub3c4(SSS)\uc758 \uc7a5\uae30\uc801\uc778 \uc9c0\uc18d\uac00\ub2a5\uc131\uc744 \uc810\uc9c4\uc801\uc73c\ub85c \uac15\ud654\ud558\ub294 \ub370 \ucd08\uc810\uc744 \ub9de\ucd94\uace0 \uc788\ub2e4. SSS\ub294 \uc9c8\ubcd1, \uc740\ud1f4, \uc0ac\ub9dd \ub4f1 \uac01\uc885 \uc704\ud5d8\uc5d0 \ub300\ube44\ud55c \uc7ac\uc815\uc801 \ubcf4\ud638\ub97c \uc81c\uacf5\ud55c\ub2e4.<\/p>\n<p>\ucd5c\uadfc \uac00\uc7a5 \uc911\uc694\ud55c \ubcc0\ud654 \uc911 \ud558\ub098\ub294 2019\ub144 \ubc1c\ud6a8\ub41c \uacf5\ud654\uad6d\ubc95 \uc81c11199\ud638\uc5d0 \ub530\ub77c SSS\uac00 \uae30\uc5ec\uc728 \uc778\uc0c1\uc744 \uc2dc\ud589\ud558\uba74\uc11c \uc774\ub904\uc84c\ub2e4. \ucd1d \uae30\uc5ec\uc728\uc740 14%\uc5d0\uc11c 15%\ub85c \ub192\uc544\uc84c\uc73c\uba70, \uace0\uc6a9\uc8fc \ubd80\ub2f4\ub960\uc740 9.5%\uc5d0\uc11c 10%\ub85c, \uadfc\ub85c\uc790 \ubd80\ub2f4\ub960\uc740 4.5%\uc5d0\uc11c 5%\ub85c \uc778\uc0c1\ub410\ub2e4.<\/p>\n<p>\ub9c8\ub2d0\ub77c <a href=\"https:\/\/law-asia.visibleone.dev\/law-firm\/villaraza-angangco\/\">Villaraza &amp; Angangco<\/a>\uc758 Deputy Managing Partner\uc774\uc790 \ub178\ub3d9\u00b7\uace0\uc6a9 \ubd80\ubb38 \ubd80\ucd1d\uad04\uc778 <a href=\"https:\/\/law-asia.visibleone.dev\/asia\/lawyers\/philippines-lawyers-2025\/rashel-ann-pomoy\">Rashel Ann POMOY<\/a>\ub294 \u201c\uc8fc\ub41c \ubaa9\uc801\uc740 SSS\uc758 \uc7ac\uc815 \uc0c1\ud0dc\ub97c \uac15\ud654\ud558\uace0 \uc7a5\uae30\uc801\uc73c\ub85c \uae09\uc5ec \uc9c0\uae09\uc744 \uacc4\uc18d\ud560 \uc218 \uc788\ub3c4\ub85d \ud558\ub294 \ub370 \uc788\ub2e4\u201d\uace0 \ub9d0\ud588\ub2e4.<\/p>\n<p><img decoding=\"async\" class=\"alignnone wp-image-708592 size-full\" src=\"https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/Rashel-Ann-Pomoy-Ko.jpg\" alt=\"\" width=\"900\" height=\"928\" srcset=\"https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/Rashel-Ann-Pomoy-Ko.jpg 900w, https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/Rashel-Ann-Pomoy-Ko-291x300.jpg 291w, https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/Rashel-Ann-Pomoy-Ko-768x792.jpg 768w, https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/Rashel-Ann-Pomoy-Ko-696x718.jpg 696w, https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/Rashel-Ann-Pomoy-Ko-407x420.jpg 407w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/p>\n<p>\uc778\ub3c4\ub124\uc2dc\uc544 \uc5ed\uc2dc \uc77c\ubd80 \ub2e4\ub978 \uad6d\uac00\ub9cc\ud07c \uc2ec\uac01\ud55c \uc778\uad6c\uad6c\uc870 \uc555\ubc15\uc5d0 \uc9c1\uba74\ud55c \uac83\uc740 \uc544\ub2c8\uba70, \uc0ac\ud68c\ubcf4\uc7a5\uc81c\ub3c4 \ub610\ud55c \ube44\uad50\uc801 \uc548\uc815\uc801\uc73c\ub85c \uc720\uc9c0\ub418\uace0 \uc788\ub2e4. \ud604\ud589 \uc81c\ub3c4\uc5d0 \ub530\ub77c \uace0\uc6a9\uc8fc\uc640 \uadfc\ub85c\uc790\ub294 \ubaa8\ub450 \uc778\ub3c4\ub124\uc2dc\uc544 \uadfc\ub85c\uc790 \uc0ac\ud68c\ubcf4\uc7a5\uae30\uad00(BPJS Ketenagakerjaan)\uc5d0 \uc758\ubb34\uc801\uc73c\ub85c \uae30\uc5ec\uae08\uc744 \ub0a9\ubd80\ud574\uc57c \ud55c\ub2e4. \ud604\uc7ac \uc5f0\uae08\uae09\uc5ec \uae30\uc5ec\uc728\uc740 \uc6d4 \uc784\uae08\uc758 3%\ub85c, \uace0\uc6a9\uc8fc\uac00 2%, \uadfc\ub85c\uc790\uac00 1%\ub97c \ubd80\ub2f4\ud55c\ub2e4. \ub178\ud6c4\uae09\uc5ec \uae30\uc5ec\uc728\uc740 \ucd1d 5.7%\ub85c, \uace0\uc6a9\uc8fc\uac00 3.7%, \uadfc\ub85c\uc790\uac00 2%\ub97c \ubd80\ub2f4\ud55c\ub2e4.<\/p>\n<p>\uc778\ub3c4\ub124\uc2dc\uc544\uc640 \ud544\ub9ac\ud540\uc774 \uc77c\ubd80 \ub2e4\ub978 \uad6d\uac00\uc640 \uac19\uc740 \uc218\uc900\uc758 \uc778\uad6c\uad6c\uc870 \uc555\ubc15\uc744 \ubc1b\uace0 \uc788\uc9c0\ub294 \uc54a\uc9c0\ub9cc, HSF Kramer\uc758 JUMABHOY\ub294 \uc810\uc9c4\uc801\uc778 \uc778\uad6c \uace0\ub839\ud654\uc640 \ucd9c\uc0b0\uc728 \ud558\ub77d\uc5d0 \ub300\uc751\ud558\uae30 \uc704\ud55c \uac1c\ud601\uc774 \uc55e\uc73c\ub85c \uc774\ub904\uc9c8 \uac00\ub2a5\uc131\uc774 \uc788\ub2e4\uace0 \ubcf8\ub2e4. \ub450 \uc694\uc778 \ubaa8\ub450 \uc5f0\uae08\uc81c\ub3c4\uc5d0 \ub69c\ub837\ud55c \uc601\ud5a5\uc744 \ubbf8\uce60 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\uae30 \ub54c\ubb38\uc774\ub2e4.<\/p>\n<p>\uadf8\ub294 \u201c\ub2e4\ub9cc \uc2dc\uc7a5 \uc0c1\ud669\uc740 \ub9e4\uc6b0 \ub2e4\ub974\ub2e4. \ud544\ub9ac\ud540\uc758 \ud569\uacc4\ucd9c\uc0b0\uc728(TFR)\uc740 \uc778\uad6c\ub300\uccb4\uc218\uc900\ubcf4\ub2e4 \ub0ae\uc9c0\ub9cc, \uc778\ub3c4\ub124\uc2dc\uc544\ub294 \uc544\uc9c1 \uc804\ud658\uc810\uc5d0 \ub3c4\ub2ec\ud558\uc9c0 \uc54a\uc558\ub2e4. \uc2e4\uc5c5\ub960\ub3c4 \ud568\uaed8 \uace0\ub824\ud558\ub294 \uac83\uc774 \uc911\uc694\ud558\ub2e4. \ud544\ub9ac\ud540\uacfc \uc778\ub3c4\ub124\uc2dc\uc544\uc758 \uc2e4\uc5c5\ub960\uc740 \ud64d\ucf69, \ud55c\uad6d, \uc77c\ubcf8\ubcf4\ub2e4 \ub192\ub2e4\u201d\uace0 \ub9d0\ud588\ub2e4.<\/p>\n<p>\uc774\uc5b4 \u201c\uad81\uadf9\uc801\uc73c\ub85c \uacbd\uc81c\uac00 \ubc1c\uc804\ud560\uc218\ub85d \uc778\uad6c \uace0\ub839\ud654\uc640 \ucd9c\uc0b0\uc728 \ud558\ub77d \ubb38\uc81c\uac00 \ub354\uc6b1 \ub450\ub4dc\ub7ec\uc9c0\uace0, \uc5f0\uae08 \ubd80\uc871 \uaddc\ubaa8\ub3c4 \ud655\ub300\ub418\uae30 \uc2dc\uc791\ud55c\ub2e4. \uc774\ub97c \ud574\uacb0\ud558\uae30 \uc704\ud55c \uc870\uce58\ub294 \ubd84\uba85 \ud544\uc694\ud560 \uac83\uc774\ub2e4. \ub2e4\ub9cc \uc2dc\ud589 \uc18d\ub3c4\ub294 \uad6d\uac00\ub9c8\ub2e4 \ub2e4\ub97c \uac83\u201d\uc774\ub77c\uace0 \ub9d0\ud588\ub2e4.<\/p>\n<p>\ud55c\ud3b8 \ud0dc\uad6d\uc740 2026\ub144 10\uc6d4 1\uc77c\ubd80\ud130 \uadfc\ub85c\uc790\ubcf5\uc9c0\uae30\uae08(EWF)\uc744 \uc2dc\ud589\ud560 \uc608\uc815\uc774\ub2e4. \uc774\uc5d0 \ub530\ub77c \ud0dc\uad6d\uc5d0\uc11c \uc0ac\uc5c5\uc744 \uc6b4\uc601\ud558\ub294 \uace0\uc6a9\uc8fc\ub294 \ucd94\uac00\uc801\uc778 \ubc95\uc815 \uace0\uc6a9\ube44\uc6a9\uacfc \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \uc758\ubb34\ub97c \ubd80\ub2f4\ud558\uac8c \ub41c\ub2e4. \ub2e4\ub9cc \ubc29\ucf55 <a href=\"https:\/\/law-asia.visibleone.dev\/law-firm\/kudun-partners\/\">Kudun and Partners<\/a>\uc758 \ud30c\ud2b8\ub108 \ubcc0\ud638\uc0ac\uc774\uc790 \uaddc\uc81c\u00b7\ud5c8\uac00\u00b7\ub77c\uc774\uc120\uc2a4 \ubd80\ubb38 \ucd1d\uad04\uc778 <a href=\"https:\/\/law-asia.visibleone.dev\/asia\/lawyers\/thailands-top-lawyers-2025\/thanyaluck-thongrompo\">Thanyaluck THONGROMPO<\/a>\ub294 EWF\uc758 \uae30\uc5ec\uc728\uc774 \u201c\uc0c1\ub300\uc801\uc73c\ub85c \ub0ae\uc740 \uc218\uc900\u201d\uc774\ub77c\uace0 \uc124\uba85\ud588\ub2e4.<\/p>\n<p>\uaddc\uc815\uc5d0 \ub530\ub974\uba74 \uace0\uc6a9\uc8fc\uc640 \uadfc\ub85c\uc790\ub294 \ubaa8\ub450 2026\ub144 10\uc6d4 1\uc77c\ubd80\ud130 2030\ub144 9\uc6d4 30\uc77c\uae4c\uc9c0 \uc6d4 \uc784\uae08\uc758 0.25%\ub97c \uac01\uac01 \uae30\uc5ec\uae08\uc73c\ub85c \ub0a9\ubd80\ud574\uc57c \ud558\uba70, 2030\ub144 10\uc6d4 1\uc77c\ubd80\ud130\ub294 \uae30\uc5ec\uc728\uc774 0.5%\ub85c \uc778\uc0c1\ub41c\ub2e4.<\/p>\n<p>EWF\ub294 \ub300\ubd80\ubd84\uc758 \uc5c5\uc885\uc5d0\uc11c \uc5ec\uc804\ud788 \uc784\uc758\uac00\uc785 \ubc29\uc2dd\uc73c\ub85c \uc6b4\uc601\ub418\ub294 \ud1f4\uc9c1\uc801\ub9bd\uae30\uae08\uc758 \uc801\uc6a9\uc744 \ubc1b\uc9c0 \ubabb\ud558\ub294 \uadfc\ub85c\uc790\ub4e4\uc5d0\uac8c \ucd94\uac00\uc801\uc778 \uc7ac\uc815\uc801 \ubcf4\ud638\ub97c \uc81c\uacf5\ud568\uc73c\ub85c\uc368 \uadfc\ub85c\uc790\uc758 \uc2e0\ub8b0\ub97c \ub192\uc774\uace0 \ub178\ub3d9\uc2dc\uc7a5\uc758 \uc548\uc815\uc131\uc744 \uac15\ud654\ud560 \uac83\uc73c\ub85c \uae30\ub300\ub41c\ub2e4.<\/p>\n<p><img decoding=\"async\" class=\"alignnone wp-image-709645 size-full\" src=\"https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/Thanyaluck-Thongrompo-K.jpg\" alt=\"\" width=\"900\" height=\"928\" srcset=\"https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/Thanyaluck-Thongrompo-K.jpg 900w, https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/Thanyaluck-Thongrompo-K-291x300.jpg 291w, https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/Thanyaluck-Thongrompo-K-768x792.jpg 768w, https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/Thanyaluck-Thongrompo-K-696x718.jpg 696w, https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/Thanyaluck-Thongrompo-K-407x420.jpg 407w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/p>\n<h2><span style=\"color: #008745;\"><strong>\uc2dc\uac04\uacfc\uc758 \uc2f8\uc6c0<\/strong><\/span><\/h2>\n<p>\uc544\uc2dc\uc544 \ub300\ubd80\ubd84 \uc9c0\uc5ed\uc5d0\uc11c \uc0ac\ud68c\ubcf4\uc7a5\uc81c\ub3c4 \uac1c\ud601\uc774 \ud655\ub300\ub418\uba74\uc11c, \uae30\uc5c5\uacfc \uc0ac\ub0b4 \ubc95\ubb34\ud300\uc774 \uc900\uc218\ud574\uc57c \ud560 \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \uc694\uac74\ub3c4 \ub298\uc5b4\ub0a0 \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4.<\/p>\n<p>\ud64d\ucf69\uc5d0\uc11c\ub294 \uae30\uc5c5, \ud2b9\ud788 SME\uac00 \ubd80\ub2f4\ud574\uc57c \ud560 \ube44\uc6a9 \uc99d\uac00\uac00 \uc5ec\uc804\ud788 \uc6b0\ub824\ub418\ub294 \ubd80\ubd84\uc774\ub2e4.<\/p>\n<p>Deacons\uc758 CHUNG\uc740 \u201c\ud2b9\ud788 \uc6d4 4\ub9cc \ud64d\ucf69\ub2ec\ub7ec\ub97c \ubc1b\ub294 \uc911\uac04\uad00\ub9ac\uc790\uae09 \uc9c1\uc6d0\uc774 \uc0c1\ub2f9\uc218 \uc788\ub294 \uc911\uc18c\uae30\uc5c5\uc758 \uacbd\uc6b0, \uc774\ubc88 \uc778\uc0c1\uc73c\ub85c \uc778\ud574 \uc0c1\ub2f9\ud55c \uc218\uc900\uc758 \ucd94\uac00 \ube44\uc6a9 \ubd80\ub2f4\uc774 \ubc1c\uc0dd\ud560 \uc218 \uc788\ub2e4. \ub9ce\uc740 \uae30\uc5c5\uc774 \uc544\uc9c1 \ud68c\ubcf5 \uacfc\uc815\uc5d0 \uc788\ub2e4\ub294 \uc810\uc744 \uace0\ub824\ud558\uba74 \ub354\uc6b1 \uadf8\ub807\ub2e4\u201d\uace0 \ub9d0\ud588\ub2e4.<\/p>\n<p><script id=\"infogram_0_1c8034d0-48c5-4221-b04d-358b88389812\" title=\"Copy: A2606 STATUTORY SOCIAL SECURITY CONTRIBUTION RATES\" src=\"https:\/\/e.infogram.com\/js\/dist\/embed.js?SZr\" type=\"text\/javascript\"><\/script><\/p>\n<p>\ud64d\ucf69\uc5d0 \uc704\uce58\ud55c Reynolds Porter Chamberlain\uc5d0\uc11c \uace0\uc6a9\ud300\uc744 \uc774\ub044\ub294 Andrea RANDALL\uc740 \uae30\uc5c5\ub4e4\uc5d0 \uc788\uc5b4 \uc6b4\uc601\uc0c1\uc758 \uc900\ube44 \ud0dc\uc138 \uc5ed\uc2dc \ud575\uc2ec\uc774\ub77c\uace0 \ub9d0\ud588\ub2e4.<\/p>\n<p>\u201c\uae30\uc5c5\ub4e4\uc740 \uc0c8\ub85c\uc6b4 \uae30\uc900\uc744 \ubc18\uc601\ud558\ub3c4\ub85d \uae09\uc5ec \ubc0f HR \uc2dc\uc2a4\ud15c\uc744 \uc5c5\ub370\uc774\ud2b8\ud558\uace0, \ud2b9\ud788 \uc2e4\uc218\ub839\uc561\uc774 \uc601\ud5a5\uc744 \ubc1b\uac8c \ub418\ub294 \uc9c1\uc6d0\ub4e4\uc5d0\uac8c \ubcc0\uacbd \uc0ac\ud56d\uc744 \uba85\ud655\ud788 \uc548\ub0b4\ud574\uc57c \ud55c\ub2e4\u201d\uace0 \uadf8\ub294 \ub367\ubd99\uc600\ub2e4.<\/p>\n<p>MPFA\ub294 \ud604\uc7ac \ub2e4\uc591\ud55c \uc774\ud574\uad00\uacc4\uc790\ub4e4\ub85c\ubd80\ud130 \uc758\uacac\uc744 \uc218\ub834\ud558\uace0 \uc788\uc73c\uba70, 2026\ub144 \uc911\ubc18 \uac80\ud1a0 \ubcf4\uace0\uc11c\ub97c \uc81c\ucd9c\ud560 \uc608\uc815\uc774\ub2e4.<\/p>\n<p>\ud64d\ucf69\uc0ac\ub0b4\ubcc0\ud638\uc0ac\ud68c\uc758 Kat KUKREJA \ud68c\uc7a5\uc740 \u201c\uc0ac\ub0b4 \ubc95\ubb34\ud300\uc758 \uad00\uc810\uc5d0\uc11c\ub294 \uc774\ub97c \ub2e8\uc21c\ud55c \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \uc5c5\ub370\uc774\ud2b8\uac00 \uc544\ub2c8\ub77c \uae09\uc5ec \ubc0f \uace0\uc6a9\ube44\uc6a9 \uacc4\ud68d\uc758 \ubb38\uc81c\ub85c \ubd10\uc57c \ud55c\ub2e4\u201d\uace0 \ub9d0\ud588\ub2e4.<\/p>\n<p>\ud55c\uad6d\uc5d0\uc11c \uc8fc\ub85c \uc778\uc0ac\uad00\ub9ac\uc640 \ub178\ub3d9 \ubb38\uc81c\uc5d0 \uad00\ud574 \uc790\ubb38\ud558\ub294 \ubc95\ubb34\ubc95\uc778 \uc9c0\ud3c9\uc758 \uad8c\uc601\ud658 \ud30c\ud2b8\ub108 \ubcc0\ud638\uc0ac\ub294 \ub2e4\uc74c\uacfc \uac19\uc774 \ub9d0\ud588\ub2e4: \u201c[\ubcf4\ud5d8\ub8cc\uc728] \uc778\uc0c1\uc740 \uae30\uc5c5\uc5d0\ub294 \uc778\uac74\ube44\ub97c \uad6c\uc870\uc801\uc73c\ub85c \ub04c\uc5b4\uc62c\ub9ac\ub294 \uc694\uc778\uc73c\ub85c \uc791\uc6a9\ud558\uace0, \uadfc\ub85c\uc790\uc5d0\uac8c\ub294 \uac00\ucc98\ubd84 \uc18c\ub4dd\uc744 \uad6c\uc870\uc801\uc73c\ub85c \uac10\uc18c\uc2dc\ud0a4\ub294 \uc694\uc778\uc774 \ub41c\ub2e4.\u201d<\/p>\n<p>\u201c\uc815\uaddc\uc9c1 \uadfc\ub85c\uc790\uc758 \ud574\uace0\uac00 \uc5b4\ub824\uc6b4 \ud55c\uad6d \ub178\ub3d9\uc2dc\uc7a5\uc5d0\uc11c \uc774\ub7ec\ud55c \ucd94\uac00\uc801\uc778 \uc7ac\uc815 \ubd80\ub2f4\uc740 \uae30\uc5c5\ub4e4\ub85c \ud558\uc5ec\uae08 \uc2e0\uaddc \ucc44\uc6a9 \uacc4\ud68d\uc744 \ucd95\uc18c\ud558\ub3c4\ub85d \uc555\ubc15\ud560 \uc218 \uc788\ub2e4. \ub178\uc0ac \uac04 \uc784\uae08 \ubd84\uc7c1\ub3c4 \ub354\uc6b1 \uaca9\ud654\ub420 \uac00\ub2a5\uc131\uc774 \uc788\uc73c\uba70, \uc591\uce21\uc758 \uc785\uc7a5 \ucc28\uc774\ub97c \uc881\ud788\ub294 \uc77c\uc740 \ub9e4\uc6b0 \uc5b4\ub824\uc6cc\uc9c8 \uc218 \uc788\ub2e4.\u201d<\/p>\n<p>\uc911\uad6d\uc758 \uae30\uc5c5\ub4e4\ub3c4 \uc7a5\uae30\uc801\uc73c\ub85c \ub354 \ub192\uc740 \ub178\ub3d9\ube44\uc6a9\uacfc \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \ube44\uc6a9\uc5d0 \uc9c1\uba74\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub41c\ub2e4. DONG\uc740 \u201c\uace0\ub839 \uadfc\ub85c\uc790\ub97c \ub300\uc0c1\uc73c\ub85c \uc815\ub144\uc744 \ub2a6\ucd94\ub294 \uc815\ucc45\uc774 \uc0c8\ub86d\uac8c \ubc95\uc81c\ud654\ub428\uc5d0 \ub530\ub77c, \uae30\uc5c5\ub4e4\uc740 \uadfc\ub85c\uc790\uac00 \uc5f0\uae08 \uc218\uae09 \uc790\uaca9\uc744 \uac16\ucd9c \ub54c\uae4c\uc9c0 \ub354 \uc624\ub79c \uae30\uac04 \uace0\uc6a9\uc744 \uc720\uc9c0\ud574\uc57c \ud560 \uc218 \uc788\uc73c\uba70, \uc774\ub294 \uc7a5\uae30\uc801\uc778 \ub178\ub3d9\ube44\uc6a9\uacfc \uc0ac\ud68c\ubcf4\uc7a5 \ubd84\ub2f4\uae08 \uc0b0\uc815 \uae30\uc900\uc744 \uc9c1\uc811\uc801\uc73c\ub85c \ub192\uc77c \uc218 \uc788\ub2e4\u201d\uace0 \ub9d0\ud588\ub2e4.<\/p>\n<p>\uc0c1\ud558\uc774\uc640 \ubca0\uc774\uc9d5\uc758 Jingtian &amp; Gongcheng \ud30c\ud2b8\ub108 \ubcc0\ud638\uc0ac Leo YU\ub294 \uae30\uc5c5\ub4e4\uc774 \uc7a0\uc7ac\uc801\uc778 \ubd84\uc7c1\uc5d0 \uc8fc\uc758\ud574\uc57c \ud55c\ub2e4\uace0 \ub9d0\ud588\ub2e4. \u201c\uacfc\uac70\uc758 \ubcf4\ud5d8\ub8cc \ubbf8\ub0a9 \ub610\ub294 \uacfc\uc18c\ub0a9\ubd80, \uac00\uc785 \uae30\ub85d\uc758 \ub2e8\uc808, \uaddc\uc815\uc5d0 \ubd80\ud569\ud558\uc9c0 \uc54a\ub294 \ubcf4\ud5d8\ub8cc \uc0b0\uc815 \uae30\uc900\ub4f1\uc758 \ubb38\uc81c\uac00 \uadfc\ub85c\uc790\uac00 \ud1f4\uc9c1 \uc5f0\ub839\uc5d0 \uac00\uae4c\uc6cc\uc9c0\uba74\uc11c \ubd84\uc7c1\uc73c\ub85c \ubd88\uac70\uc9c8 \uc218 \uc788\ub2e4. \uc774 \uacbd\uc6b0 \uae30\uc5c5\uc740 \uc0c1\ub2f9\ud55c \uaddc\ubaa8\uc758 \uc18c\uae09 \ub0a9\ubd80 \ube44\uc6a9\uacfc \uc190\ud574\ubc30\uc0c1 \ucc45\uc784\uc5d0 \ub178\ucd9c\ub420 \uac00\ub2a5\uc131\uc774 \uc788\ub2e4.\u201d<\/p>\n<p>\uc77c\ubcf8\uc758 \uac1c\ud601\uc740 \ub178\ud6c4 \uc18c\ub4dd \ubcf4\uc7a5\uc744 \uac15\ud654\ud558\uae30 \uc704\ud55c \uac83\uc774\uc9c0\ub9cc, \ub3d9\uc2dc\uc5d0 \uae30\uc5c5 \uc785\uc7a5\uc5d0\uc11c\ub294 \uc774\ubbf8 \uac08\uc218\ub85d \ubcf5\uc7a1\ud574\uc9c0\uace0 \uc788\ub294 \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \ud658\uacbd\uc744 \ub354\uc6b1 \uae4c\ub2e4\ub86d\uac8c \ub9cc\ub4e4\uace0 \uc788\ub2e4. \uc77c\ubcf8\uc870\uc9c1\ub0b4\ubcc0\ud638\uc0ac\ud68c\uc758 Kyoko FUKIYA \ubd80\ud68c\uc7a5\uc740 \u201c\uc801\uc6a9 \ub300\uc0c1 \uc694\uac74\uc774 \uac08\uc218\ub85d \ubcf5\uc7a1\ud574\uc9c0\uba74\uc11c \uae30\uc5c5\ub4e4\uc774 \uac00\uc785 \ubc0f \ud0c8\ud1f4 \ucc98\ub9ac, \ud45c\uc900\ubcf4\uc218\uc6d4\uc561 \ubcc0\uacbd, \uad00\ub828 \uc2e0\uace0\uc640 \uac19\uc740 \uc77c\uc0c1\uc801\uc778 \uc808\ucc28\ub97c \ucc98\ub9ac\ud558\ub294 \ub370 \ub530\ub974\ub294 \ud589\uc815 \ubd80\ub2f4\ub3c4 \ucee4\uc84c\ub2e4\u201d\uace0 \ub9d0\ud588\ub2e4.<\/p>\n<p>\uc77c\ubcf8\uc5f0\uae08\uae30\uad6c\ub294 \uc0ac\uc5c5\uc7a5\uc774 \uadfc\ub85c\uc790\uc758 \ud6c4\uc0dd\uc5f0\uae08\ubcf4\ud5d8\uc744 \uc801\uc808\ud558\uac8c \uad00\ub9ac\ud558\uace0 \uc788\ub294\uc9c0 \ud655\uc778\ud558\uae30 \uc704\ud574 \uc870\uc0ac\ub97c \uc2e4\uc2dc\ud55c\ub2e4. FUKIYA\ub294 \u201c\ub530\ub77c\uc11c \uae30\uc5c5\uc740 \uc774\ub7ec\ud55c \uc870\uc0ac\uc5d0 \ub300\uc751\ud574\uc57c \ud558\ub294 \ubd80\ub2f4\ubfd0 \uc544\ub2c8\ub77c, \uc624\ub958\uac00 \ud655\uc778\ub420 \uacbd\uc6b0 \uacfc\uc18c \ub0a9\ubd80\ub41c \ubcf4\ud5d8\ub8cc\ub97c \uc18c\uae09\ud574 \uc9d5\uc218\ub2f9\ud560 \uc704\ud5d8\uc5d0\ub3c4 \uc9c1\uba74\ud558\uac8c \ub41c\ub2e4\u201d\uace0 \ub9d0\ud588\ub2e4.<\/p>\n<p>\ud638\uc8fc\uc5d0\uc11c\ub294\u00a0GIRGIS\uac00 \uc81c\ub3c4 \uc2dc\ud589\uc5d0 \ub300\ube44\ud558\uae30 \uc704\ud574 \uae30\uc5c5\ub4e4\uc774 \ub2e4\uc74c\uacfc \uac19\uc740 \uc870\uce58\ub97c \ucde8\ud574\uc57c \ud55c\ub2e4\uace0 \ub9d0\ud588\ub2e4.<\/p>\n<ol>\n<li style=\"list-style-type: none;\">\n<ol>\n<li>\ud574\ub2f9 \ubc95\ub960\uc774 \uae30\uc5c5\uacfc \uc9c1\uc6d0\ub4e4\uc5d0\uac8c \uc5b4\ub5a4 \uc601\ud5a5\uc744 \ubbf8\uce60\uc9c0 \ud30c\uc545\ud560 \uac83;<\/li>\n<li>\ud604\uc7ac \uae09\uc5ec \uc2dc\uc2a4\ud15c\uc758 \uc5ed\ub7c9\uc744 \uc810\uac80\ud560 \uac83. \uc774\ub294 \ud1f4\uc9c1\uc5f0\uae08 \ubd84\ub2f4\uae08\uc744 \uc81c\ub54c \uacc4\uc0b0\ud558\uace0 \ub0a9\ubd80\ud560 \uc218 \uc788\ub294\uc9c0\ubfd0 \uc544\ub2c8\ub77c, \uac01 \uae30\uc5c5\uc758 \ubcf5\uc7a1\ud55c \uc6b4\uc601 \uad6c\uc870\ub97c \ucda9\ubd84\ud788 \ucc98\ub9ac\ud560 \uc218 \uc788\ub294\uc9c0\ub3c4 \ud3ec\ud568; \uadf8\ub9ac\uace0<\/li>\n<li>\ud544\uc694\uc5d0 \ub530\ub77c \uae09\uc5ec \uc2dc\uc2a4\ud15c\uc744 \uc5c5\uadf8\ub808\uc774\ub4dc\ud558\uac70\ub098 \ucd5c\uc801\ud654\ud558\uace0, Single Touch Payroll \ubc0f \uc5f0\uae08 \uc815\uc0b0 \uae30\uad00\uacfc \uc5f0\ub3d9\ub418\ub3c4\ub85d \ud560 \uac83.<\/li>\n<\/ol>\n<\/li>\n<\/ol>\n<p>GIRGIS\ub294 \uc774\ubc88 \uac1c\ud601\uc774 \uae30\uc5c5\uacfc \uc9c1\uc6d0\ub4e4\uc774 \ud1f4\uc9c1\uc5f0\uae08\uc744 \ubc14\ub77c\ubcf4\ub294 \ubc29\uc2dd \uc790\uccb4\ub97c \ubc14\uafc0 \uc218 \uc788\ub2e4\uace0 \ub9d0\ud588\ub2e4.<\/p>\n<p><img decoding=\"async\" class=\"alignnone wp-image-708584 size-full\" src=\"https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/Maged-Girgis-Ko.jpg\" alt=\"\" width=\"900\" height=\"928\" srcset=\"https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/Maged-Girgis-Ko.jpg 900w, https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/Maged-Girgis-Ko-291x300.jpg 291w, https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/Maged-Girgis-Ko-768x792.jpg 768w, https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/Maged-Girgis-Ko-696x718.jpg 696w, https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/Maged-Girgis-Ko-407x420.jpg 407w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/p>\n<p>\u201cPayday Super\ub294 \uae30\uc5c5\ub4e4\uc774 \ud1f4\uc9c1\uc5f0\uae08 \uad00\ub828 \uc758\ubb34\ub97c \uad00\ub9ac\ud558\ub294 \ubc29\uc2dd\uc744 \uadfc\ubcf8\uc801\uc73c\ub85c \ubc14\uafc0 \uac83\uc774\ub2e4. \uadf8\ubfd0\ub9cc \uc544\ub2c8\ub77c \uc9c1\uc6d0\ub4e4\uc774 \uc790\uc2e0\uc758 \ud1f4\uc9c1\uc5f0\uae08\uacfc \ub9fa\uace0 \uc788\ub294 \uad00\uacc4\ub97c \ub354\uc6b1 \uacf5\uace0\ud788 \ud558\uace0, \ud1f4\uc9c1\uc5f0\uae08\uc774 \uc790\uc2e0\uc758 \ubcf4\uc218\uc758 \uc77c\ubd80\ub77c\ub294 \uc778\uc2dd\ub3c4 \ud55c\uce35 \uac15\ud654\ud560 \uac83\uc774\ub2e4.\u201d<\/p>\n<p>\uc2f1\uac00\ud3ec\ub974\uc5d0\uc11c\ub294 CPF \ubd84\ub2f4\ub960\uc774 \ucd94\uac00\ub85c \uc778\uc0c1\ub420 \uc608\uc815\uc778 \uac00\uc6b4\ub370,\u00a0TAN\uc740 \uae30\uc5c5\ub4e4\uc774 \ube44\uc6a9 \ubd80\ub2f4\uc744 \uccb4\uac10\ud558\uac8c \ub420 \uac83\uc774\ub77c\uace0 \ub9d0\ud588\ub2e4.<\/p>\n<p>\u201c\uae30\uc5c5 \uc785\uc7a5\uc5d0\uc11c\ub294 \uc774\ub294 \uc6d4 \ud1b5\uc0c1\uc784\uae08\uc774 7,400\uc2f1\uac00\ud3ec\ub974\ub2ec\ub7ec\ub97c \ucd08\uacfc\ud558\ub294 \uc9c1\uc6d0\uc744 \uc704\ud574 \ubd80\ub2f4\ud574\uc57c \ud558\ub294 \uc0ac\uc6a9\uc790 CPF \ubd84\ub2f4\uae08 \ube44\uc6a9\uc774 \ub298\uc5b4\ub09c\ub2e4\ub294 \uc758\ubbf8\ub2e4.\u201d<\/p>\n<p>TEO\ub294 \uc774\ub7ec\ud55c \ubcc0\ud654\uac00 \uae09\uc5ec \uc815\ucc45\uc5d0 \uc9c1\uc811\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294 \ub9cc\ud07c \uae30\uc5c5\ub4e4\uc774 \uc9c0\uc18d\uc801\uc778 \uc81c\ub3c4 \ubcc0\ud654\uc5d0 \uc8fc\uc758\ub97c \uae30\uc6b8\uc5ec\uc57c \ud55c\ub2e4\uace0 \ub9d0\ud588\ub2e4.<\/p>\n<p>\u201c\uc55e\uc73c\ub85c\uc758 \ubcc0\ud654\uc5d0 \ub300\ube44\ud574 \uae30\uc5c5\ub4e4\uc740 \uac01 \ubcc0\uacbd \uc0ac\ud56d\uc744 \uadf8\ub54c\uadf8\ub54c \uc784\uc2dc\ub85c \ucc98\ub9ac\ud558\uae30\ubcf4\ub2e4\ub294, \ub9e4\ub144 CPF \uc870\uc815 \uc8fc\uae30\ub97c \uae09\uc5ec \uad00\ub9ac \uccb4\uacc4\uc5d0 \uc815\ub840\uc801\uc73c\ub85c \ubc18\uc601\ud574\uc57c \ud55c\ub2e4.\u201d<\/p>\n<p>\ud544\ub9ac\ud540 \uae30\uc5c5\uc758 \uacbd\uc6b0 \ubd84\ub2f4\ub960 \uc778\uc0c1\uc73c\ub85c \ubc95\uc815 \uae09\uc5ec \uad00\ub828 \ube44\uc6a9\uc774 \uc99d\uac00\ud55c\ub2e4. \ud2b9\ud788 \uc9c1\uc6d0 \uc218\uac00 \ub9ce\uac70\ub098 \uc9c1\uc6d0\ub4e4\uc758 \uc784\uae08\uc774 \ubd84\ub2f4\uae08 \uc0b0\uc815 \uc0c1\ud55c\uc120\uc5d0 \uac00\uae4c\uc6b4 \uae30\uc5c5\uc77c\uc218\ub85d \ubd80\ub2f4\uc774 \ucee4\uc9c4\ub2e4.<\/p>\n<p>POMOY\ub294 \u201c\uae30\uc5c5\ub4e4\uc740 2025\ub144 1\uc6d4 \ubd84\ub2f4\uae08\ud45c\ub97c \ubc18\uc601\ud560 \uc218 \uc788\ub3c4\ub85d \uae09\uc5ec \uc2dc\uc2a4\ud15c, \uc9c1\uc6d0 \uacf5\uc81c \uc124\uc815, \uc0ac\uc6a9\uc790 \ubd80\ub2f4\uae08 \uc801\ub9bd, \uae09\uc5ec\uba85\uc138\uc11c \uc591\uc2dd, \uc1a1\uae08 \uc808\ucc28 \ubc0f SSS \ub0a9\ubd80\u00b7\uc1a1\uae08 \uc808\ucc28\ub97c \uc5c5\ub370\uc774\ud2b8\ud574\uc57c \ud55c\ub2e4\u201d\uace0 \ub9d0\ud588\ub2e4<\/p>\n<p>\u201c\uc774\ubc88 \uac1c\ud601\uc740 \uc0ac\ud68c\ubcf4\uc7a5\uc744 \uac15\ud654\ud558\ub294 \ub370 \uae30\uc5ec\ud558\uc9c0\ub9cc, \ub3d9\uc2dc\uc5d0 \uae30\uc5c5\ub4e4\uc774 \ubc95\uc815 \ub178\ub3d9\ube44\uc6a9, \uadfc\ub85c\uc790 \ubd84\ub958 \ubc0f \uae09\uc5ec \uad00\ub828 \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4\uc5d0 \ub354\uc6b1 \ubbfc\uac10\ud558\uac8c \ubc18\uc751\ud558\ub3c4\ub85d \ub9cc\ub4e4 \uc218\ub3c4 \uc788\ub2e4.\u201d<\/p>\n<p>\uc778\ub3c4\ub124\uc2dc\uc544\uc5d0\uc11c\ub294 \ub300\ub300\uc801\uc778 \uac1c\ud601\uc774 \uc784\ubc15\ud55c \uac83\uc740 \uc544\ub2c8\uc9c0\ub9cc \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \ub9ac\uc2a4\ud06c\ub294 \uc5ec\uc804\ud788 \uc874\uc7ac\ud55c\ub2e4. \uc790\uce74\ub974\ud0c0 Arma Law\uc758 Managing Partner Merari SABATI\ub294 \u201cManpower BPJS\uc640 \uad00\ub828\ud574 \ub2f9\uc7a5 \uc0c8\ub85c\uc6b4 \uaddc\uc815\uc774 \ub3c4\uc785\ub418\uc9c0 \uc54a\ub354\ub77c\ub3c4, \uae30\uc5c5\ub4e4\uc740 \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \uc758\ubb34\uac00 \uc55e\uc73c\ub85c\ub3c4 \ubcc0\ud558\uc9c0 \uc54a\uc744 \uac83\uc774\ub77c\uace0 \uac00\uc815\ud574\uc11c\ub294 \uc548 \ub41c\ub2e4\u201d\uace0 \ub9d0\ud588\ub2e4. \uadf8\ub294 \uc774\uc5b4 \uc0ac\ud68c\ubcf4\uc7a5\uc81c\ub3c4\uc5d0\ub294 \uace0\uc6a9 \uad00\ud589\uacfc \ub0b4\ubd80 \uc815\ucc45\uc758 \uc870\uc815\uc744 \ucd09\ubc1c\ud560 \uc218 \uc788\ub294 \uc5ec\ub7ec \uc81c\ub3c4\uc801 \uc7a5\uce58\uac00 \uc874\uc7ac\ud55c\ub2e4\uace0 \ub367\ubd99\uc600\ub2e4.<img decoding=\"async\" class=\"alignnone wp-image-708568 size-full\" src=\"https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/Merari-Sabati-Ko.jpg\" alt=\"Merari-Sabati-Ko\" width=\"900\" height=\"928\" srcset=\"https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/Merari-Sabati-Ko.jpg 900w, https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/Merari-Sabati-Ko-291x300.jpg 291w, https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/Merari-Sabati-Ko-768x792.jpg 768w, https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/Merari-Sabati-Ko-696x718.jpg 696w, https:\/\/law-asia.visibleone.dev\/wp-content\/uploads\/2026\/08\/Merari-Sabati-Ko-407x420.jpg 407w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/p>\n<p>\uadf8\ub294 \uc5f0\uae08 \ubd84\ub2f4\uae08 \uc0b0\uc815\uc744 \uc704\ud55c\u00a0\ucd5c\ub300 \uc784\uae08 \uc0c1\ud55c\uc758 \uc5f0\ub840 \uc870\uc815\uacfc, 2043\ub144\uae4c\uc9c0 65\uc138\uc5d0 \ub3c4\ub2ec\ud558\ub3c4\ub85d \uc608\uc815\ub41c\u00a0\uc810\uc9c4\uc801\uc778 \uc815\ub144 \uc5f0\uc7a5\uc73c\ub85c \uc778\ud574 \uc778\uc0ac \uc815\ucc45, \uace0\uc6a9\uacc4\uc57d \ubc0f \uc740\ud1f4 \uacc4\ud68d\uc744 \uc9c0\uc18d\uc801\uc73c\ub85c \uac80\ud1a0\ud574\uc57c \ud560 \ud544\uc694\uc131\uc774 \ucee4\uc9c8 \uac83\uc774\ub77c\uace0 \ub9d0\ud588\ub2e4.<\/p>\n<p>\uc790\uce74\ub974\ud0c0 Dentons HPRP\uc758 Managing Partner SARTONO\ub294 \ud5a5\ud6c4 \uc815\ubd80\uac00 \uae30\uc5c5\uacfc \uadfc\ub85c\uc790 \ubaa8\ub450\ub97c \uc9c0\uc6d0\ud558\uae30 \uc704\ud574 \uac1c\uc785\ud560 \uac00\ub2a5\uc131\uc774 \uc788\ub2e4\uace0 \ub9d0\ud588\ub2e4. \u201c\ud604\uc7ac\uc758 \uae00\ub85c\ubc8c \uacbd\uc81c \uc0c1\ud669\uacfc \ud658\uc728 \ubcc0\ub3d9 \ub4f1\uc744 \uace0\ub824\ud560 \ub54c, \uc815\ubd80\uac00 \uae30\uc5c5 \ud65c\ub3d9\uc744 \uc9c0\uc6d0\ud558\uae30 \uc704\ud55c \uc5ec\ub7ec \uacbd\uae30\ubd80\uc591\ucc45\uacfc \uc778\uc13c\ud2f0\ube0c\ub97c \ub3c4\uc785\ud558\uace0, \uadfc\ub85c\uc790\ub4e4\uc5d0\uac8c\ub3c4 \ub354 \uac15\ud654\ub41c \ubcf4\ud638\uc640 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud560 \uac83\uc774 \uc608\uc0c1\ub41c\ub2e4.\u201d<\/p>\n<p>\ud0dc\uad6d\uc5d0\uc11c\ub294 Kudun\uc758\u00a0THANYALUCK\uc774 \ub2e4\uc74c\uacfc \uac19\uc774 \ub9d0\ud588\ub2e4: \u201c\uae30\uc5c5\ub4e4\uc740 \uc774 \uc81c\ub3c4\ub97c \uc9c0\uc18d\uc801\uc73c\ub85c \uc900\uc218\ud558\uae30 \uc704\ud574 \uc0c8\ub85c\uc6b4 \uae09\uc5ec, \ubcf4\uace0, \ub4f1\ub85d \ubc0f \uae30\ub85d\uad00\ub9ac \uc808\ucc28\ub97c \ub3c4\uc785\ud574\uc57c \ud560 \uac83\uc774\ub2e4. \uc774\ub294 \ud2b9\ud788 \ub178\ub3d9\uc9d1\uc57d\uc801 \uae30\uc5c5, \ud0dc\uad6d\uc5d0\uc11c \uc5ec\ub7ec \ubc95\uc778\uc744 \uc6b4\uc601\ud558\ub294 \ub2e4\uad6d\uc801 \uae30\uc5c5, \uadf8\ub9ac\uace0 \uae09\uc5ec \uc5c5\ubb34\ub97c \uc678\ubd80 \uc5c5\uccb4\uc5d0 \uc704\ud0c1\ud558\ub294 \uc870\uc9c1\uc5d0 \uc0c1\ub2f9\ud55c \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\ub2e4.\u201d<\/p>\n<p>\ub2e4\uad6d\uc801 \uae30\uc5c5\uacfc \uc678\uad6d\uc778 \ud22c\uc790\uc790\uc758 \uacbd\uc6b0,\u00a0THANYALUCK\uc740 EWF\uac00 \ucd5c\uc800\uc784\uae08 \uc870\uc815, \uc0ac\ud68c\ubcf4\uc7a5 \uc758\ubb34, \uc0b0\uc7ac\ubcf4\uc0c1 \uc694\uac74 \ubc0f \uac15\ud654\ub41c \uae09\uc5ec \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \uc694\uad6c\uc640 \ud568\uaed8\u00a0\uace0\uc6a9 \uaddc\uc81c\ub97c \uc804\ubc18\uc801\uc73c\ub85c \uac15\ud654\ud558\ub294 \ud750\ub984\uc758 \uc77c\ubd80\ub85c \ubc1b\uc544\ub4e4\uc5ec\uc9c8 \uac00\ub2a5\uc131\uc774 \ub192\ub2e4\uace0 \ub9d0\ud588\ub2e4.<\/p>\n<p>THANYALUCK\ub294 \u201cEWF\uc758 \uc2dc\ud589\uc740 \uadfc\ub85c\uc790\uc5d0 \ub300\ud55c \uc7ac\uc815\uc801 \ubcf4\ud638 \uc7a5\uce58\ub97c \ud655\ub300\ud558\ub824\ub294 \uc815\ucc45 \uae30\uc870\uac00 \uc55e\uc73c\ub85c\ub3c4 \uacc4\uc18d\ub420 \uc218 \uc788\uc74c\uc744 \ubcf4\uc5ec\uc8fc\ub294 \uc2e0\ud638\uc77c \uc218 \uc788\ub2e4\u201d\uace0 \ub367\ubd99\uc600\ub2e4.<\/p>\n<h2><span style=\"color: #008745;\"><strong>\uce74\uc6b4\ud2b8\ub2e4\uc6b4<\/strong><\/span><\/h2>\n<p>\uc815\ubd80\ub4e4\uc774 \uc9c1\uba74\ud55c \uacfc\uc81c\ub294 \ubd84\uba85\ud558\uc9c0\ub9cc, \ud574\ubc95\uc740 \uac04\ub2e8\ud558\uc9c0 \uc54a\ub2e4. \uc778\uad6c\uac00 \uace0\ub839\ud654\ub418\uace0 \uae30\ub300\uc218\uba85\uc774 \ub298\uc5b4\ub0a0\uc218\ub85d \uc5f0\uae08\uc81c\ub3c4\ub294 \ub354 \uc624\ub79c \uae30\uac04 \uc740\ud1f4\uc790\ub4e4\uc744 \ubd80\uc591\ud574\uc57c \ud558\ub294 \ubc18\uba74, \ubd84\ub2f4\uae08\uc744 \ub0b4\ub294 \uc0dd\uc0b0\uac00\ub2a5\uc778\uad6c\ub294 \uc0c1\ub300\uc801\uc73c\ub85c \uc904\uc5b4\ub4e4\uac8c \ub41c\ub2e4.<\/p>\n<p>JUMABHOY\ub294 \u201c\ub530\ub77c\uc11c \uc815\ubd80\ub4e4\uc740 \uc790\uc5f0\uc2a4\ub7fd\uac8c \uc5f0\uae08 \uc9c0\uae09 \uc7ac\uc6d0\uc744 \ub298\ub9b4 \uc218 \uc788\ub294 \ubc29\ubc95\uc744 \ubaa8\uc0c9\ud574 \uc654\ub2e4. \ud558\uc9c0\ub9cc \uc5b4\ub290 \uc120\ud0dd\uc9c0\ub3c4 \ub9e4\ub825\uc801\uc774\uc9c0 \uc54a\ub2e4\u201d\uace0 \ub9d0\ud588\ub2e4.<\/p>\n<p>\uc5ed\ub0b4 \uac01\uad6d\uc758 \uc815\ucc45\uc785\uc548\uc790\ub4e4\uc740 \uc5ec\ub7ec \uc815\ucc45 \uc218\ub2e8\uc744 \uc870\ud569\ud574 \ub300\uc751\ud558\uace0 \uc788\ub2e4. JUMABHOY\ub294 \u201c\uace0\ub839 \uadfc\ub85c\uc790 \ubcf4\ud638 \uc870\uce58 \ub3c4\uc785, \uc5f0\ub839\ucc28\ubcc4\uae08\uc9c0\ubc95 \uac15\ud654, \uc720\uc5f0\uadfc\ubb34\uc81c \ub3c4\uc785, \uac00\uc871\uce5c\ud654\uc801 \uc81c\ub3c4 \ud655\ub300\ub294 \ubaa8\ub450 \uc62c\ubc14\ub978 \ubc29\ud5a5\uc758 \uc870\uce58\ub2e4. \ud558\uc9c0\ub9cc \uc774\ub7ec\ud55c \uc870\uce58\ub9cc\uc73c\ub85c\ub294 \uaca9\ucc28\ub97c \ucda9\ubd84\ud788 \ube60\ub974\uac8c \ud574\uc18c\ud558\uae30\uc5d0\ub294 \ud131\uc5c6\uc774 \ubd80\uc871\ud558\ub2e4\u201d\uace0 \ub9d0\ud588\ub2e4.<\/p>\n<p>\uae30\uc5c5 \uc785\uc7a5\uc5d0\uc11c \uc2dc\uc0ac\uc810\uc740 \ubd84\uba85\ud558\ub2e4. \uac01\uad6d \uc815\ubd80\uac00 \uc778\uad6c\uad6c\uc870\uc758 \uc555\ub825\uc5d0 \ub300\uc751\ud574 \uc740\ud1f4\u00b7\uc5f0\uae08 \uc81c\ub3c4\ub97c \uc7ac\uc870\uc815\ud558\ub294 \ub9cc\ud07c, \uae30\uc5c5\ub4e4\uc740 \uc785\ubc95 \ub3d9\ud5a5\uc744 \ubcf4\ub2e4 \uba74\ubc00\ud788 \ubaa8\ub2c8\ud130\ub9c1\ud558\uace0 \uae09\uc5ec \ubc0f \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \uc2dc\uc2a4\ud15c\uc744 \uc870\uc815\ud574\uc57c \ud55c\ub2e4. \ub610\ud55c \uc99d\uac00\ud558\ub294 \ub178\ub3d9\ube44\uc6a9\uc744 \uc7a5\uae30\uc801\uc778 \uc778\ub825 \uc6b4\uc601 \uacc4\ud68d\uc5d0 \ubc18\uc601\ud560 \ud544\uc694\uac00 \uc788\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc544\uc2dc\uc544\u00b7\ud0dc\ud3c9\uc591 \uc804\uc5ed\uc5d0\uc11c \uc778\uad6c \uace0\ub839\ud654\uac00 \ube60\ub974\uac8c \uc9c4\ud589\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uae30\ub300\uc218\uba85\uc774 \ub298\uc5b4\ub098\ub294 \uac00\uc6b4\ub370 \uac01\uad6d \uc815\ubd80\uac00 \ud1f4\uc9c1\uc5f0\uae08 \uc81c\ub3c4\ub97c \uc787\ub2ec\uc544 \uac1c\ud3b8\ud558\uba74\uc11c, \uc0ac\ub0b4\ubcc0\ud638\uc0ac\ub4e4\ub3c4 \ubcc0\ud654\ud558\ub294 \uad00\ub828 \uaddc\uc81c\uc640 \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \uc694\uac74\uc5d0 \ubc1c\ub9de\ucdb0\uc57c \ud569\ub2c8\ub2e4. ABLJ \ud3b8\uc9d1\uad6d\uc5d0\uc11c \ubcf4\ub3c4\ud569\ub2c8\ub2e4 \uc544\uc2dc\uc544\u00b7\ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc774 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