ࡱ> !Root Entryt%FileHeadereDocInfoSBodyText t@st"$#&'()*+,-./012356789:;<=Root Entry0ԩtFileHeadereDocInfoRBodyText @#˩t`q˩t  HwpSummaryInformation.JPrvImage ^ PrvTextDocOptions ԩt ԩtScripts ԩt0ԩtJScriptVersion lDefaultJScripti_LinkDocm  !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIKLMNOPQSTUVWXYZ[\]^_`abcdfghjknopqrstuT\mU 1  , 9 T\mU |8D Xଐ XՔ DՐ@ LX mD PX | 1X Xij] \. 1. |8X , 9 (1) , |8@ Y p, ,| ֬ Y ­ t D̲ =X1 ǔ |8 \\. (2) |8D ,` L |8  | (1 31|; 4 30|; 7 31|; 10 31|)D 8X xt DՔ\ 0| X Ȝ\. (3) |8D ,` L 400 tǴX m8 |8], 100貴 xX 8 |8], 3貴 tǴX u ȴ(key words)(m8), JEL X 0 0x |8  X 8| ٳ 1 ȜX| \. (4) |8 Ȝ ļijX | Ȑ 1, 0 , |8 ȩD m8 8<\ hخ 0X, 0 Tֈ8, 4 Tֈ8, e-mail Ȍ| 0X |8 hخ Ȝ\. 2. ̸ (5) U t 100̹X ̸| \. 3. X 1 9 (6) |8@ b\c(HWP)\ 1X tT|(kea1952@kea.ne.kr)\ \mYՌ 4m Ȝ\. |8X ɷ@ L 0| A4 20 x\ \. ɷt XՌ ι@ X , ɷX pD ƭ`  . `$ 4 : …pȴ a$ l0 : 11 b$   : 170%  6mm c$ 1 : ǽ 20mm, DŘ 13mm, |ƽ 20mm, $x 20mm, 8й 5mm, ,й 5mm d$ 8 1 : |ƽ 0mm, $x 0mm, 0 3mm (7) 8@ m8 D Y<\ \(8 ij ,GIF89aɻxxxkkk]]]PPPCCC555(((d`LH00`Hذ̘`H0|pdXL@`0H `H0`dHL`H0xp`XH@0d LȰ``HH00dLؘȀ`H0xp`XH@d0L `H0d`LH`H0|pdXL@0`$H`dHL00`HذȘdL0xp`XH@0` HdH0ȳ``HHdL0xp`XH@`0H Ը̰ĠऀؘpȈXxHp@h@d8`8X0xT0pH dxddxd`d`p`|``x`p``x`!, H*\ȰÇ#JHŋ3jȱǏ CIɓ(S\ɲ˗0cʜI͛8sɳϟ@ JѣH*]ʴӧPJJիXjʵׯ`ÊKٳ U+@۵ldv۶vWo\hKoߵLqݽvbko㼠R>(z3Ҏrܰװc˞M۸sͻ-Z]r+&8x; ?L}ysy'<tc{ɟ.f:2";gf'F 6&q!C\zba ($~4|9ppE7\Gxٽxb8&ҍɅ7ׄ!g{mX~{9(.ܖY؊ڗ% t=#NBisqIik&fA٣iENg\s+ IZJcArgiP>ivՌ1ieN:܁4J# )}ʙke):~wjj8}"}zңp'v(_b7v+. Tz*D`ƛqˮjcj-ыhgd)2 &Gf-M6Ezr Rzu nj(%r4Ѯ(il#P>D=$;FZn7.3gBumpF *|I2m=6q3~q;gM*,` o}ou}u|B3[`ZZ[^ۜwKՅ<~ꬷǞ_yxgy?[hRQ24D.Wo؏5<k7^9go藈脈7zcK<ǫybsj1-M2|ڣXؘ$GAY4䧧9;]xGb-;`(w %(r=S8H2ס0D,R§J\غ!YPf#ֳ%$BxȺ39%/9BM #CEm-izM@Wܣ"eAW1QeCP<%l E7A'C [xHruJ"i;挍 GɅȖS*wYJ5JyTŎd(ͅ9&0DeH@KLꇞ' c!e5̌q񛜚dBg&JfE٥j3d5|5BVhyq$RJZؚUصdQ˞8L i,EP{B?iqJgJmɌ.Vy0;!GJE,Z"HQo'ƼIH|B0"^e$_V+qԤ4x=Sc)ETuqLKx1 W4,Քr4} ZQoHC {&ٺdB+:f$KשM|.a&5Nl$=jù|YR&U(:U##@:fҔVV~SYXhϯRl,Cٲ0sSZZV!)׆݋,ɮ-ZQWAiBX&;!u2JJb2O[eznW|%z҅#$Ҙrf)y#}QwYT+ײPO:`B#={_xȟ;_Ƚ2t&ABqA9NEuc'ҼQ;73wh=_5WMBЈNt4FE;ѐ'MJ[Ҵ ;`a``a`0x  dp |\muser22016D 5 8| |ǔ| $ 12:47:39\mYՌ8, 0, 0, 466 WIN32LEWindows_7@@w@`q˩t@VkAfv6JkӢ^I=$?PIP*5zh{$bPaC.r(ݘ& amv{lv!ޤ9SnˌY1~Z9.~:tp \"V2J*Z JJ%jqZ Au^]|`Q PPRE׀̸@Section0L!U5dajfT4mp4x_%Jrmp4G}?' 4a\&T[=Rv%r|: u'Ђ~hkn*+lWiZJw{El.YQp=;$uolG-`9Qޫ'faXS#u3iƿf(oOhAƿ}m#ӂXƓ_bUI+)"VKz[zO$\^6H AsB}31&2ov7ow+YGRQVzQߵ?"_TںBﵿ![J[gRj/Jт7^o{lD$d<4LZ0I&w0:p09a̽5JnfM1jl]ӊNGY7 d; ޳8M~Qodj's0P.fxXgPD M}zkwgY]<`͚VoKז޷cac求UTI9F5KgM8Dvp&ycױ%AH!mIv`HvHHJؙvp$9!v6iRR2Es@JRJ-f_+~9 \k5ϩ *d}JF} | LAXv Vxw JFN|{$N_1Ɠ;&0$) 'p,ćiЬÒHLN^0 {D_?:HWP Document Fileu@DO 6C,H,#GB!k0~ 6*7=M*Z:ҙ#?*?ӿT@Y~X+mj3'm[v|:j)%C$Mϼ5#cd߈. `$ 4 : …pȴ a$ l0 : 11 b$   : 170%  6mm c$ 1 : ǽ 20mm, DŘ 13mm, |ƽ 20mm, $x 20mm, 8й 5mm, ,й 5mm d$ 8 1 : |ƽ 0mm, $x 0mm, 0 3mm (7) 8@ m8 D Y<\ \(8 ij ,WolSU?mBqƚ^-K('0'X bUPؐL3}0LHZV:mh[Rt>aykH5w;soA0X`3fUZT]V8۞[ۡn}mKȸ/?:`23+2\r'cP33;GVO߮_h6VpmV].&'^ [{̴X%A1n5j6hߪ$f!OLnz$}(Y >A>4kAɏw1ѩ-+iS8*7_;t|A@wTOV}eUmnj%4p~4F6"XiʙQZc,\!Q,vVdkT|ne·OR_pNyԯk8~8q?bꊂꫮ[\"禿NͤFŸ,J-DRr_y, |kU<; ^)Ȼ;Dh ItJjQB/iq, AƨO+%wKgߢ.F.+#ӄ+z~Nc6tY/zDҸX 7k-ں V^80G_Zjc4綢(77TI#Sy!T3?/{9^lpU֠涢`ymOиhE:*{=^jyu̟D)lr\pQ@hh7P6~AhHx'zE4iz{=i_1oKϝd^u\=z/2xf3xsߍL+wz\ךH.>#3w~7I9K:{ʝ}l)#g"Y)sUý5}VC|f%jeU섶Q ^.v˱lqt|e.^B%OtL\%"㚹Jɶ>A!wlu)7mYBߚ벳.lY. VahSW>)UaR2W5Q;(uTn 鬒aˏ&_<6M }%\AeG?wν&{s;{͠|ЋviWhJsQmf-2xn~=n~Y&^ \vc-b{ǝq3l,Iybz=v,mQ+˅v#ߌvL>eS {9{f^YPNbdڶ~mںui+[+`/4q[m:ޑ$93i;z8Nc~TFڜ<@FhWQS3!A2׋ h7.aBY846{_,0C;ȢA#KUoV'Gt[ --f {eur[sYAx:pW^,MoDHpІFΧG+נv8|TdHÎmj؍Q>5Crp"YaDȞO{2A5hxԒՠ8Jq͒*B~3nnAzM3fI,݌L;/=iTGcVX99G}fxrk 1M<ŜqcM8m`}~xXP%`YZyޤqY~w4Gθ(4|b{ "eف>IWU'a't[mELX[g B5S4w7)bdo}!ݣfVK׷m̷ز'#Z!>ɶό>QgsˏGsD)ޡ"fp#S`je^ }d Bt}b'SK}MO?j@!l&L ƴfVvL}L[#oTaW `PsRkx;_s|+}׶ȃg񔝀0>t~އ9sݸ'q|V&8wNqG>p7j#凵)1 "n2W2XH|@8=Y1-zE˯Xa/_sr`hMg,rquUZrNh H4èLaA,|ull K~@BqzKf[Vޚ+35Y~Ct5{zĞsy9= *Z nQ~pBf[Shݞ{Miܕ{n8\&=@!l *`r,h=ᚌ%DGCU˜u:Bz ~;73<<} ~z!=FF261G_HF?7%zE95Q=ޅ0H K9ݾAbYPȬ{e_-ĎC m:Ȍ!Fbȏ֞u(Z+h$_lEL3w~e1l[s%sK$/|HJG d Tդ>&;СC&G0}v?+QH#] f-!y!gc/ENi5`wrܫsZۏ>" ζWQ'z[q&8ۧՂV or܉mPH)wKf(Ç{6kVnVpӥ8$Eu?˯[-2t[#̒SwH;Z~k9FCF4[0צڰkul㙝F\j6`ř&kA޵d[KV]{Sc" ewVtP<I5hvvGvؔq.l`vhGG<ՀusEr[,, \8UE'&GPj;ҷ#TSMl#7}[˷ RJyBΥ遝;kD+#1WM\gh Oӂw"umK^Z\|jr^]cPf`P  78L0`π 7Vn{S2G,O|PbG00x0<L& pI`te`hy!g`qpأyځ*0Ys\fCFǁƞxgSRu`mA-t '2Q`8vM3]Uao#Lvủ W$t<"v"' 4ܿ5؂ "P "Ԁ;VjM(@DA="2 !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJLMNOPQRTUVWXYZ[\]^_`abcdifghklopqrstuvHwpSummaryInformation.KPrvImage PrvTextDocOptions ttSection04Scripts ttJScriptVersion mDefaultJScriptj_LinkDocn T\mU 1  , 9 T\mU |8D Xଐ XՔ DՐ@ LX mD PX | 1X Xij] \. 1. |8X , 9 (1) , |8@ Y p, ,| ֬ Y ­ t D̲ =X1 ǔ |8 \\. (2) |8D ,` L |8  | (1 31|; 4 30|; 7 31|; 10 31|)D 8X xt DՔ\ 0| X Ȝ\. (3) |8D ,` L 400 tǴX m8 |8], 100貴 xX 8 |8], 3貴 tǴX u ȴ(key words)(m8), JEL X 0 0x |8  X 8| ٳ 1 ȜX| \. (4) |8 Ȝ ļijX | Ȑ 1, 0 , |8 ȩD m8 8<\ hخ 0X, 0 Tֈ8, 4 Tֈ8, e-mail Ȍ| 0X |8 hخ Ȝ\. 2. ̸ (5) U t 100̹X ̸| \. 3. X 1 9 (6) |8@ b\c(HWP)\ 1X tT|(kea1952@kea.ne.kr)\ \mYՌ 4m Ȝ\. |8X ɷ@ L 0| A4 20 x\ \. ɷt XՌ ι@ X , ɷX pD ƭ`  . `$ 4 : …pȴ a$ l0 : 11 b$   : 170%  6mm c$ 1 : ǽ 20mm, DŘ 13mm, |ƽ 20mm, $x 20mm, 8й 5mm, ,й 5mm d$ 8 1 : |ƽ 0mm, $x 0mm, 0 3mm (7) 8@ m8 D Y<\ \(8 ij ,GIF89aɻxxxkkk]]]PPPCCC555(((d`LH00`Hذ̘`H0|pdXL@`0H `H0`dHL`H0xp`XH@0d LȰ``HH00dLؘȀ`H0xp`XH@d0L `H0d`LH`H0|pdXL@0`$H`dHL00`HذȘdL0xp`XH@0` HdH0ȳ``HHdL0xp`XH@`0H Ը̰ĠऀؘpȈXxHp@h@d8`8X0xT0pH dxddxd`d`p`|``x`p``x`!, H*\ȰÇ#JHŋ3jȱǏ CIɓ(S\ɲ˗0cʜI͛8sɳϟ@ JѣH*]ʴӧPJJիXjʵׯ`ÊKٳ U+@۵ldv۶vWo\hKoߵLqݽvbko㼠R>(z3Ҏrܰװc˞M۸sͻ-Z]r+&8x; ?L}ysy'<tc{ɟ.f:2";gf'F 6&q!C\zba ($~4|9ppE7\Gxٽxb8&ҍɅ7ׄ!g{mX~{9(.ܖY؊ڗ% t=#NBisqIik&fA٣iENg\s+ IZJcArgiP>ivՌ1ieN:܁4J# )}ʙke):~wjj8}"}zңp'v(_b7v+. Tz*D`ƛqˮjcj-ыhgd)2 &Gf-M6Ezr Rzu nj(%r4QxG ԇ[cC3JCr;^CoQ3KXWNwdW:kevv޻{ ]'̗ie_|B_w9]~W.ڢ~gYQڻm80W'odDNEއ"L`WמDؗU3*5^{plRMQ*F$* eḼd$# g8($ ҡnX)\(T(\ I`&YLc:XK]5/ &EWG1xdcIh90<rT3k|˚E*IjCG*ׁSULvЇt%GIM0>2e=K?DdZLUW264W@*1. H5[ȜjJ%Di&S>-,!7x̅|lJ0O]ʆy͢unP|٭txRq@vg3SeFZHLT!ވƄ]a"YD'6*s&NLG$6b^&t#Bg! a;'-(QǕlQ^lMDJAZOBWBɗ.a;$v2ϥ`H&tS 㔞?ՐDl`BzH"Az>Y-rH"C<6QĩB2pܗ"V44:U*Z<$8q 3td۴*m,oBz|螺*ZTI_&$0sZl5Yf,T~AuyL'r2+{7t(u+Gf%JqFn5U-;^NefXÆfwV1&:lS>keb]cE;\vdj Д >U-/Ru7=Ε"hx?S%,e$M᱘g|^HDVFcO) ¢{=~%Go,S|RghAssJXFTj\|U3vYEv 1|ߚ^`x!Yx̸εw^fPR`Nf;b ;0x`a``a`0x  dp |\muser22016D 5 8| |ǔ| $ 12:47:39\mYՌ8, 0, 0, 466 WIN32LEWindows_7@@w@@st@=$?PIP*5zh{$bPaC.V=oP=9AEVLv,>BB` H`gʀ2! SF~@}vb>!Q>]_=yv\/mY+ed+ESѤ i+[`/n#m4Lި\[,q)mmFlcdAGf'IWWdQsfb*2-:>r|{{CGԹzxJ4AWP;V~=#df+?Wƌ+MU8p[CkLZ"$*?6=KjQ͸೰6z9ȲITM/TEd@SJ2MҘ&IkvZɇHQTLҖs|{'Mi жШ`x=MepO c"a$!KA>NDťϝ|{~dVjӳGce-?C3 g"h@)®\_ q84VmU:USQ\xJ'Pˑΐ.ǰN #x )3Q= IQ&:`ؕHޅR_pNyԯkk8>8Ϟq/b \"f ߇fDk#O$ 4K%K\2Y$VE8ڻqTZps&<<n.i7D tZPzˣ\_8Z@;'D"ݾKh}Ϩ e^9\0g(G _Zu CMej 'J_<5xuq91agܬ?k-cő݅9J/9f#PhԪU4X3OjJsssr }:ZMGI48发NjNW/E8_o[56#|iu4=CӢt<V| zJ _TK;Po%\l$5|S!pi(dz@|d4 }my=tg/7M]ngh2f:a'E?<f*j.ko$ ۇ+?F匥ƥT=w߭ʈP*bUL0ۖWý=}V#KݪK"4:ma ^.v+t~UZK$$StePH5WI-Mɐe3Uޡܴ+Sg]}[ZtaruiG]cVahSW>)uœ)xeNkR져gmlndP)J~-?:_X|j\4$Hpq*bu8!s}/6Iޛ{=|9`A' z6A/>;p]9?.ER[ҹu^ex%||sUp~ԃ .w͠4 $$%{vY޺7j[uWV 6&8z< ^dΞWԧӾ3dv_n4m]a^vJTΠw$0@Nk}zU`ȉIhqd9?q55$s@v(4INK~l縷;`3, =z3=IW.ۺhii1ؓ.}_ۺ*sڊ||m+Aďomh||:Gzj YΗOH$=fCwc/F:^O ]^~8!Ru^I=3$'(lYF'TGA-)[NթM%d5} z&qhcZ}[+ou&>[.+jUy%0֚*__Jߵm; FYKqn]Q3bTF|tȂokwʨBlȯ_qÉ RYX[‰Ff sf_PmdOx9[Ľ6/5=D;5s|QAܫ ݌ [ ~ThKTbZdkDS^_ H4èLaA,|ull K~@BIDoCf[Vޚ+35Y~Ctc=c-=9sޏ}{N6.k5Vk_MjnʿBо=.\Ӽ+pDLynb># TXӱDg5ICسK2+z5˜uBz ~;032a`v~Lpư##ݫJ,$cA jx}"њyz‚(JjBz$ĥEn[,`iytֽ/ؑZrG%u:3ڷw&cdx;RJ6\Qtrn{bi{խۧ_$P-UʸV6NtrFͭLV冱EWklQ$\XS'+ѪJ,R$I^J%rmGy¢osax2YZ-Y`'&  M{0jKͳQJ,fYf>J)t~߇B-~#bD؁o' 'lh)ɅV ZIQ̵H_'chYP$`!E~H0o8'p)T^WJxXĜdo@aۇ5Fc;[JȄp4tZ+Ivs ZbSؗWn'oWǹVmց%`w?TLh0f G;(-LQGYI9%\OHx?$4C2E*b-jR5te;|4~(F% AļG5$o0,be) #VN{-bNkGD>s>F/*!ķgZ؊UWhp#mYƕ˜ʹ,ˍIIuޏQ 4d^Q T'oDŽhxRptĶcCYn"C(el2cds \89:Mω<'6U͌^~^ 6>~ x~Ϧqɭܪn G/3hEu?+[-t[#쒢:Sw+H;Z~k%J>[FXD|ԽA-{^{r鱞*c```dAn10p`/@soVeOX|ǥ Ď q+7+ba``y@͙ MēbB<48 ,G!jϵ'/U`Y#=1xZ ރ[ v0 AO\eXph)fl9dCޖG6+0~5;*0HxEDN vh`3kD̡D1w A@4MYJ"*2