{"id":559,"date":"2018-05-23T00:00:16","date_gmt":"2018-05-22T15:00:16","guid":{"rendered":"http:\/\/commonstrans.net\/?p=559"},"modified":"2022-07-23T19:05:53","modified_gmt":"2022-07-23T10:05:53","slug":"%eb%af%bc%ec%a3%bc%ec%a0%81-%ed%99%94%ed%8f%90%ec%99%80-%ec%bb%a4%eb%a8%bc%ec%a6%88%eb%a5%bc-%ec%9c%84%ed%95%9c-%ec%9e%90%eb%b3%b8","status":"publish","type":"post","link":"http:\/\/commonstrans.net\/?p=559","title":{"rendered":"\ubbfc\uc8fc\uc801 \ud654\ud3d0\uc640 \ucee4\uba3c\uc988\ub97c \uc704\ud55c \uc790\ubcf8"},"content":{"rendered":"<p>* \uc544\ub798\ub294 \ub370\uc774\ube57 \ubcfc\ub9ac\uc5b4\uc758 \ube14\ub85c\uadf8\uc758 2016\ub144 1\uc6d4 15\uc77c \uac8c\uc2dc\uae00 \u201c<a href=\"http:\/\/bollier.org\/blog\/democratic-money-and-capital-commons\">Democratic Money and Capital for the Commons<\/a>\u201d\ub97c \uc6b0\ub9ac\ub9d0\ub85c \uc62e\uae34 \uac83\uc774\ub2e4. \ub370\uc774\ube57 \ubcfc\ub9ac\uc5b4\uc758 \ube14\ub85c\uadf8\uc758 \uae00\ub4e4\uc740 \ubcc4\ub3c4\uc758 \ud45c\uc2dc\uac00 \uc5c6\ub294 \ud55c <a href=\"http:\/\/creativecommons.org\/licenses\/by\/3.0\/us\/\">Creative Commons Attribution 3.0 License<\/a>\uac00 \uc801\uc6a9\ub41c\ub2e4. \uc77c\ubc18\uc801\uc778 \uae08\uc735 \uc6a9\uc5b4\ub098 \uc0c8\ub85c\uc6b4 \uae08\uc735\uc81c\ub3c4 \ubc0f \uae30\uad00\uc744 \uc9c0\uce6d\ud558\ub294 \uc6a9\uc5b4\ub294 \uc804\ubb38\uc801\uc73c\ub85c \uc0ac\uc6a9\ub418\ub294 \uac83\uacfc \ub2e4\ub974\uac8c \uc62e\uaca8\uc84c\uc744 \uc218 \uc788\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>\ubbfc\uc8fc\uc801 \ud654\ud3d0\uc640 \ucee4\uba3c\uc988\ub97c \uc704\ud55c \uc790\ubcf8<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>\ub300\ubd80\ubd84\uc758 \ucee4\uba3c\uc988\ub4e4\uc774 \uc9c1\uba74\ud558\ub294 \uac00\uc7a5 \ubcf5\uc7a1\ud558\uace0 \uac00\uc7a5 \ud574\uacb0\ud558\uae30 \ud798\ub4e0 \ubb38\uc81c\ub4e4 \uac00\uc6b4\ub370 \ud558\ub098\ub294 \uae08\uc735, \uc740\ud589, \ud654\ud3d0\uc758 \uc9c0\ubc30\uc801\uc778 \uccb4\uc81c\uac00 \ucee4\uba38\ub2dd\uc5d0 \uadf8\ud1a0\ub85d \uc801\ub300\uc801\uc778 \uc0c1\ud669\uc5d0\uc11c \uc5b4\ub5bb\uac8c \ucee4\uba3c\uc988\uc758 \ub3c5\ub9bd\uc744 \ud655\ubcf4\ud558\ub294\uac00\uc774\ub2e4. \ucee4\uba38\ub108\ub4e4\uc740 \uc9c0\ubc30\uc801\uc778 \ud654\ud3d0\uccb4\uc81c\uc758 \uad6c\uc870\uc801 \ubb38\uc81c\ub97c \ubc18\ubcf5\ud558\uc9c0 \uc54a\uace0 (\uc5b4\uca4c\uba74 \ubc18\ubcf5\ud558\ub354\ub77c\ub3c4 \ud574\ub85c\uc6c0\uc774 \uc6ec\ub9cc\ud07c \ub35c\ud55c \ubc29\uc2dd\uc73c\ub85c \ubc18\ubcf5\ud558\uba74\uc11c) \uc5b4\ub5bb\uac8c \uc790\uc2e0\ub4e4\uc758 \uc695\uad6c\ub97c \ucda9\uc871\uc2dc\ud0ac \uc218 \uc788\ub294\uac00?<\/p>\n<p>&nbsp;<\/p>\n<p>\ub2e4\ud589\ud788\ub3c4 \uc774 \ubb38\uc81c\uc5d0 \ub300\ud55c \ub300\ub2f5\ub4e4\uc744 \uc870\uba85\ud574\uc904 \uc218 \uc788\ub294 \uc5ec\ub7ec \ub9e4\ub825\uc801\uc774\uace0 \ucc3d\uc870\uc801\uc778 \uae30\ud68d\ub4e4\uc774 \uc138\uacc4 \uc804\uc5ed\uc5d0 \uc874\uc7ac\ud558\uace0 \uc788\ub2e4. \ud611\ub3d9\uc801 \uae08, \ud06c\ub77c\uc6b0\ub4dc\uc5d0\ucffc\ud2f0<sup><a href=\"http:\/\/minamjah.tistory.com\/117?category=452913#footnote_117_1\">[\uac01\uc8fc:1]<\/a><\/sup>, \ub300\uc548 \ud1b5\ud654(\u901a\u8ca8), \ube44\ud2b8\ucf54\uc778\uc5d0\uc11c \uc0ac\uc6a9\ub418\ub294 \ube14\ub85d\uccb4\uc778 \uc7a5\ubd80, \ud654\ud3d0\ucc3d\ucd9c\uc5d0 \ub300\ud55c \uacf5\uc801 \ud1b5\uc81c\ub97c \ub418\ucc3e\uc544 (\uc740\ud589\ub9cc\uc774 \uc544\ub2c8\ub77c) \u2018\uad6d\ubbfc\uc744 \uc704\ud55c \uc591\uc801 \uc644\ud654\u2019\ub97c \uac00\ub2a5\ud558\uac8c \ud558\uae30 \ub4f1\ub4f1.<\/p>\n<p>&nbsp;<\/p>\n<p>\uc774 \ubb38\uc81c\ub4e4\uc5d0 \ub300\ud574 \uc0c8\ub85c\uc6b4 \ub300\ud654\uac00 \uac1c\uc2dc\ub418\ub294 \uac83\uc744 \ub3d5\uae30 \uc704\ud574\uc11c &lt;\ucee4\uba3c\uc988\uc804\ub7b5\uadf8\ub8f9&gt;(the Commons Strategies Group)\uc740 \ud558\uc778\ub9ac\ud788\ubd50\uc7ac\ub2e8\uacfc \ud611\ub3d9\ud558\uc5ec \uc9c0\ub09c 9\uc6d4 \ubca0\ub97c\ub9b0\uc5d0\uc11c \u2018\uc2ec\uce35 \uc7a0\uc218\u2019(Deep Dive) \uc804\ub7b5\uc6cc\ud06c\uc20d\uc744 \uc870\uc9c1\ud588\ub2e4. \uc6b0\ub9ac\ub294 \uacf5\uc801 \ud654\ud3d0, \ubcf4\uc644 \ud1b5\ud654, \uc9c0\uc5ed\ubc1c\uc804 \uae08\uc735\uae30\uad00(community development finance institutions), \uacf5\uacf5\uc740\ud589\ub4e4(public banks), \uc0ac\ud68c\uc801 \ubc0f \uc724\ub9ac\uc801 \ub300\ucd9c, \ucee4\uba3c\uc988 \uae30\ubc18\uc758 \uac00\uc0c1\uc740\ud589\uc5c5, \uadf8\ub9ac\uace0 \u201c\ud611\ub3d9\ud615 \ucd95\uc801\u201d(co-operative accumulation)\u2015\uc9d1\ub2e8\ub4e4\uc774 \uc790\uc2e0\ub4e4\uc5d0\uac8c \uc911\uc694\ud55c \uc790\uc0b0\uc5d0 \ub300\ud55c \uacf5\uc815\ud55c \uc18c\uc720\uc640 \ud1b5\uc81c\ub825\uc744 \ud655\ubcf4\ud558\ub294 \ub2a5\ub825\u2015\uc744 \uac00\ub2a5\ud558\uac8c \ud560 \uc0c8\ub85c\uc6b4 \uc870\uc9c1\ud615\ud0dc\ub4e4\uacfc \uac19\uc740 \uc8fc\uc81c\ub4e4\uacfc \uad00\ub828\ud558\uc5ec 24\uba85\uc758 \ud65c\ub3d9\uac00\ub4e4\uacfc \uc804\ubb38\uac00\ub4e4\uc744 \ubaa8\uc558\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>\ub098\ub294 \uadf8 \uc6cc\ud06c\uc20d\uc5d0\uc11c \ub2e4\ub8e8\uc5b4\uc9c4 \ub300\ud654\uc758 \uc8fc\uc694 \ud14c\ub9c8\ub4e4\uacfc \uc0c1\ucda9\uc810\ub4e4\uc744 \uc885\ud569\ud558\ub294 \ubcf4\uace0\uc11c\uac00 \uc9c0\uae08 \ub098\uc640\uc788\ub2e4\ub294 \uc18c\uc2dd\uc744 \uae30\uc058\uac8c \uc54c\ub9b0\ub2e4. \uadf8 \ubcf4\uace0\uc11c\ub294 \uff62\ubbfc\uc8fc\uc801 \ud654\ud3d0\uc640 \ucee4\uba3c\uc988\ub97c \uc704\ud55c \uc790\ubcf8\u2015\ucee4\uba3c\uc988 \uae30\ubc18\uc758 \ub300\uc548\ub4e4\uc744 \ud1b5\ud574\uc11c \uc2e0\uc790\uc720\uc8fc\uc758 \uae08\uc735\uc744 \ubcc0\ud615\ud558\uae30 \uc704\ud55c \uc804\ub7b5\ub4e4\uff63(<a href=\"http:\/\/bollier.org\/democratic-money-and-capital-commons-report-pdf\">\u201cDemocratic Money and Capital for the Commons: Strategies for Transforming Neoliberal Finance Through Commons-Based Alternatives,\u201d<\/a>)(\ub370\uc774\ube57 \ubcfc\ub9ac\uc5b4, \ud33b \ucf54\ub108\ud2f0Pat Conaty \uc791\uc131)\uc774\ub77c\uace0 \ubd88\ub9b0\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>\uc774 54\ucabd\uc9dc\ub9ac \ubcf4\uace0\uc11c\ub294 \ucee4\uba38\ub108\ub4e4\uc774 \ud654\ud3d0, \uc740\ud589\uc5c5, \uae08\uc735\uc774 \uc5b4\ub5bb\uac8c \ucee4\uba38\ub108\ub4e4\uc758 \uc774\uc775\uc5d0 \ubcf5\ubb34\ud560 \uc218 \uc788\ub294\uc9c0\ub97c \ud1a0\ub860\ud558\uae30 \uc704\ud55c \uccab \uc2e4\ub9c8\ub9ac\uac00 \ub420 \uc218 \uc788\uc744 \uac83\uc774\ub2e4. \ube60\ub974\uace0 \uc26c\uc6b4 \ud574\ub2f5\uc740 \uc5c6\ub2e4. \uae30\uc874\uc758 \ud654\ud3d0\uccb4\uc81c\uc758 \uc544\uc8fc \ub9ce\uc740 \ubd80\ubd84\uc774 \uc7ac\ub798\uc758 \uc790\ubcf8\uc8fc\uc758 \uacbd\uc81c\uc5d0 \ubcf5\ubb34\ud558\ub294 \ub370\ub85c \ud5a5\ud574\uc838 \uc788\ub2e4\ub294 \uc774\uc720 \ud558\ub098 \ub54c\ubb38\uc77c\uc9c0\ub77c\ub3c4 \ub9d0\uc774\ub2e4. \uae30\ubcf8\uc801\uc778 \uae08\uc735 \uc6a9\uc5b4\ub4e4\uc870\ucc28\ub3c4 \ubb34\uc790\ube44\ud55c \uacbd\uc81c\uc131\uc7a5, \uc790\uc6d0\ucd94\ucd9c \uacbd\uc81c \ubc0f \uadf8 \ubcd1\uc801 \uce21\uba74\ub4e4 \uadf8\ub9ac\uace0 \ud654\ud3d0 \uadf8 \uc790\uccb4\uac00 \ubd80(\u5bcc)\ub77c\ub294 \uc0dd\uac01\uc744 \uc99d\uc9c4\ud558\ub294 \ubc29\ud5a5\uc73c\ub85c \ube57\ub098\uac00\ub294 \ub17c\ub9ac\ub97c \uc885\uc885 \uadf8 \uc548\uc5d0 \ud488\uace0 \uc788\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>\uadf8\ub798\ub3c4 \ucee4\uba38\ub108\ub4e4\uc774 \uc774 \uc8fc\uc81c\ub97c \uac00\uc9c0\uace0 \uc528\ub984\ud574\uc57c \ud560 \ub9ce\uc740 \uc911\uc694\ud55c \uc774\uc720\ub4e4\uc774 \uc788\ub2e4. \ubcf4\uace0\uc11c\uc758 \uc11c\ub860 \ubd80\ubd84\uc5d0\uc11c \ub9d0\ud588\ub4ef\uc774, \u201c\uc2e0\uc790\uc720\uc8fc\uc758\uc801 \uc790\ubcf8\uc8fc\uc758\uc758 \ub17c\ub9ac\ub294 \uc801\uc5b4\ub3c4 \uc989\uac01\uc801\uc73c\ub85c \ud574\uacb0\ud574\uc57c \ud558\ub294 \uc138 \uac00\uc9c0\uc758 \uc0c1\ud638 \uc5f0\uad00\ub41c \uccb4\uacc4\uc801\uc778 \ubb38\uc81c\ub4e4\uc5d0 \ub300\ud574\uc11c \ucc45\uc784\uc774 \uc788\ub2e4. \u2460 \uc0dd\ud0dc\uacc4\uc758 \ud30c\uad34, \u2461 \uc2dc\uc7a5\uc744 \ud1b5\ud55c \ucee4\uba3c\uc988\uc758 \uc885\ud68d, \u2462 \ud3c9\ub4f1, \uc0ac\ud68c\uc815\uc758, \uc0ac\ud68c\uac00 \uc2dc\ubbfc\ub4e4\uc5d0\uac8c \uc0ac\ud68c\uc801 \ub3cc\ubd04\uc744 \uc81c\uacf5\ud558\ub294 \ub2a5\ub825\uc5d0 \ub300\ud55c \uacf5\uaca9\uc774\ub2e4. \uc774 \uc138 \ubb38\uc81c\ub97c \ud1b5\ud569\ub41c \ubc29\uc2dd\uc73c\ub85c \ub2e4\ub8f0 \uc218 \uc788\ub294 \ud601\uc2e0\uc801\uc778 \ud611\ub3d9\ud615 \uae08\uc735(co-operative finance) \ubc0f \ud654\ud3d0\uccb4\uc81c\ub97c \ubc1c\uc804\uc2dc\ud0ac \ubc29\ubc95\uc744 \ubc1c\uacac\ud558\uc9c0 \ubabb\ud55c\ub2e4\uba74 \uc774 \ubb38\uc81c\ub4e4 \uac00\uc6b4\ub370 \uadf8 \uc5b4\ub5a4 \uac83\ub3c4 \uadf9\ubcf5\ub420 \uc218 \uc5c6\uc744 \uac83\uc774\ub2e4.\u201d<\/p>\n<p>&nbsp;<\/p>\n<p>\uc11c\ub860\uc744 \ub354 \ubcf4\uae30\ub85c \ud558\uc790.<\/p>\n<p>&nbsp;<\/p>\n<p>\uc774 \ubcd1\uc801 \uce21\uba74\ub4e4\uc744 \ucd94\ub3d9\ud558\ub294 \uc8fc\ub41c \uc694\uc18c\ub294 \ubd80\ucc44\uac00 \uc774\ub044\ub294 \uc131\uc7a5\uacfc \uaddc\uc81c\uac00 \uc644\ud654\ub41c \uae08\uc735\uc774\ub2e4. \uc774\ub294 \ucf00\uc778\uc988 \ud328\ub7ec\ub2e4\uc784\uc758 \ud6c4\uc784\uc790\ub85c\uc11c \ub300\ucc98\uc640 \ub808\uc774\uac74\uc774 1980\ub144\ub300 \ucd08\uc5d0 \ub3c4\uc785\ud55c \uc2e0\uc790\uc720\uc8fc\uc758 \uacbd\uc81c\uc758 \uc911\uc2ec\uc801 \uc694\uc18c\ub4e4\uc774\ub2e4. \uc2e0\uc790\uc720\uc8fc\uc758\ub85c\uc758 \uc774\ub3d9\uc740 \ub300\ubd80\ubd84\uc758 \ub098\ub77c\uc5d0\uc11c \ubc95\uc815 \uae08\ub9ac \ud55c\ub3c4\uc758 \ud3d0\uc9c0 \ud639\uc740 \uc644\ud654\uc5d0 \uc758\ud574 \ud2b9\uc9d5\uc9c0\uc5b4\uc9c0\ub294\ub370, \uc774\uac83\uc758 \uacb0\uacfc\ub85c \ub9ce\uc740 \uae30\uc874\uc758 \ub300\ucd9c\uc774 \uace0\ub9ac\ub300\uae08\uc5c5\uc774 \ub418\uc5c8\uace0 \uae08\ub9ac\uac00 \ud398\uc774\ub370\uc774\ub860(payday loan)<sup><a href=\"http:\/\/minamjah.tistory.com\/117?category=452913#footnote_117_2\">[\uac01\uc8fc:2]<\/a><\/sup>\uc758 \uacbd\uc6b0\uc5d0\ub294 5,000%\ub85c \uce58\uc19f\uae30\ub3c4 \ud588\ub2e4. \uc774\ub7f0 \uc57d\ud0c8\uc740 \ud55c\ub54c \uc8fc\ub85c \ube48\ubbfc\uce35, \ubd88\uc548\uc815 \ub178\ub3d9\uc790\ub4e4 \ubc0f \uc9c0\uad6c\uc0c1\uc758 \ud6c4\uc9c4\uc9c0\uc5ed\uc5d0 \ub300\ud574 \uc2e4\ud589\ub418\uc5c8\uc9c0\ub9cc, 1990\ub144\ub300\uc640 200\ub144\ub300\uc5d0\ub294 \ub2e4\ub978 \ud615\ud0dc\ub85c \uc911\uac04\uce35 \uc720\ub7fd\uc778\ub4e4\uacfc \ubbf8\uad6d\uc778\ub4e4\uc5d0\uac8c\ub85c \ud655\ub300\ub418\uc5c8\ub2e4. \uc774\uc81c \uacfc\ub3c4\ud55c \ubd80\ucc44\uac00 \uc5b4\ub514\uc11c\ub098 \ubcfc \uc218 \uc788\ub294 \uc870\uac74\uc774 \ub418\uc5c8\uc73c\uba70 \uc774\ub294 2008\ub144 \uc774\ud6c4 \uc2ec\ud654\ub418\uc5b4 \uc138\uacc4 \uc804\uc5ed\uc5d0\uc11c \uacbd\uc81c\ub97c \uc9c8\uc2dd\uc2dc\ud0a4\uace0 \uc788\uace0 \uac70\ub300\ud55c \uc0ac\ud68c\uc801 \ubd88\uc758\ub97c \ub0b3\uace0 \uc788\ub2e4. \uadf8\ub7ec\ub098 \uc0ac\uc5c5\uc740 \uc774\uc804\ucc98\ub7fc \uacc4\uc18d\ub418\uace0 \uc8fc\ub958 \uc815\uce58\ub294 \uadfc\ubcf8\uc801\uc778 \uac1c\ud601\uc5d0 \uad00\uc2ec\uc774 \uc5c6\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>\ub2e4\ud589\uc2a4\ub7fd\uac8c \uccb4\uc81c \ucc28\uc6d0\uc758 \ubcc0\ud654\ub97c \ucd94\uad6c\ud560 \uc0c8\ub85c\uc6b4 \uae30\ud68c\ub4e4\uc774 \uc0dd\uae30\uace0 \uc788\ub2e4. \uc790\ubcf8\uc8fc\uc758\uc801 \uae08\uc735\uc758 \ub0b4\uc801 \ubaa8\uc21c\ub4e4\uc774 \ub354 \uba85\ubc31\ud574\uc9c0\uace0 \ub354 \ud574\ub85c\uc6cc\uc9d0\uc5d0 \ub530\ub77c, \ud654\ud3d0\uccb4\uc81c\uc5d0 \ub300\ud55c \uae09\uc9c4\uc801 \ube44\ud310\ub4e4\uc774 \uc2e4\ucc9c\uc801 \ub300\uc548\ub4e4\uc758 \ubc1c\uc804\uacfc \ud568\uaed8 \uc124\ub4dd\ub825\uc744 \uc5bb\uace0 \uc788\ub2e4. \ud611\ub3d9\ud615 \uae08\uc735\uc758 \uac70\uc758 \uc78a\ud600\uc9c4 \uc5ed\uc0ac\uc801 \ubaa8\ub378\ub4e4\uc774 DIY \uc2e0\uc6a9\uc2dc\uc2a4\ud15c, \ub300\uc548 \ud1b5\ud654\ub4e4, \ud611\ub3d9\ud615 \uc870\uc9c1\ubaa8\ub378\ub4e4\uc744 \uac00\ub2a5\ud558\uac8c \ud558\ub294 \uc0c8\ub85c\uc6b4 \ud14c\ud06c\ub180\ub85c\uc9c0\ub85c\uc11c \ub2e4\uc2dc \ubc1c\uacac\ub418\uace0 \uc788\ub2e4. \uc6b0\ub9ac\ub294 \uae08\uc735\uacfc \ud654\ud3d0\uc5d0 \ub300\ud55c \ud3ec\uc2a4\ud2b8\uc790\ubcf8\uc8fc\uc758\uc801 \ube44\uc804\uc774 \uac04\ud5d0\uc801\uc73c\ub85c\ub098\ub9c8 \ucd9c\ud604\ud558\uace0 \uc788\ub2e4\uace0 \ub9d0\ud560 \uc218 \uc788\uc744 \uac83\uc774\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>\uadf8\ub7f0\ub370 \ud558\ub098\ud558\ub098 \uc870\uae08\uc529 \ubc14\uafd4\ub098\uac00\ub294 \ud574\uacb0\ucc45\ub4e4\u2015\ub300\uc548\uc801\uc778 \uc740\ud589\ub4e4, \ud1b5\ud654\ub4e4, \ub300\ucd9c\uc81c\ub3c4\ub4e4, \ud611\ub3d9\uc801 \ub514\uc9c0\ud138 \ud50c\ub7ab\ud3fc\ub4e4, \uc815\ucc45\uc81c\uc548\ub4e4 \ub4f1\u2015\uc744 \ub300\ucda9 \ubaa8\uc544\ub193\ub294\ub2e4\uace0 \ud574\uc11c \uc77c\uad00\ub41c \uc0c8\ub85c\uc6b4 \ube44\uc804\uc73c\ub85c \uc885\ud569\ub420 \uc218 \uc788\ub294\uac00? \uc774 \uc0b0\ub9cc\ud55c \uc601\uc5ed\uc5d0\uc11c \ub2e4\uc591\ud55c \uae30\ud68d\ub4e4\uacfc \ud589\uc704\uc790\ub4e4\uc774 \uc11c\ub85c\ub97c \ubc1c\uacac\ud558\uace0 \ub354 \uc2ec\uce35\uc801\uc778 \ud611\ub3d9\uc744 \uac1c\uc2dc\ud558\uace0 \ub354 \ub113\uc740 \uc9c0\uc6d0\uc744 \ub04c\uc5b4\ub0bc \uc218 \uc788\ub294\uac00?<\/p>\n<p>&nbsp;<\/p>\n<p>\uc774\uac83\uc774 \u2018\uc2ec\uce35 \uc7a0\uc218\u2019\uc758 \ubaa9\uc801\uc774\uc5c8\ub2e4. 54\ucabd\uc758 \ubcf4\uace0\uc11c\ub294 pdf\ud30c\uc77c\ub85c <a href=\"http:\/\/bollier.org\/democratic-money-and-capital-commons-report-pdf\">\uc5ec\uae30\uc11c<\/a> \ub2e4\uc6b4\ubc1b\uc744 \uc218 \uc788\ub2e4. \uadf8\ub9ac\uace0 7\ucabd\uc9dc\ub9ac \ud575\uc2ec\uc694\uc57d(Executive Summary)\ub3c4 <a href=\"http:\/\/bollier.org\/democratic-money-and-capital-commons-executive-summary\">\uc5ec\uae30\uc11c<\/a> \ubcfc \uc218 \uc788\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>\uacf5\uc800\uc790\uc778 \ucf54\ub108\ud2f0\uc640 \ub098\ub294 \ub9ce\uc740 \uc911\uc694\ud55c \uc8fc\uc81c\ub4e4\uc5d0 \ub300\ud558\uc5ec \uae4a\uc740 \uc9c0\ud61c\ub97c \uacf5\uc720\ud558\uac8c \ud574 \uc900 \ub370 \ub300\ud574, \uadf8\ub9ac\uace0 \ucd5c\uc885\ubcf4\uace0\uc11c\uc758 \ud14d\uc2a4\ud2b8\ub97c \ub2e4\ub4ec\ub294 \uac83\uc744 \ub3c4\uc640\uc900 \ub370 \ub300\ud574 \u2018\uc2ec\uce35 \uc7a0\uc218\u2019\uc758 \ucc38\uc5ec\uc790\ub4e4\uc5d0\uac8c \uac10\uc0ac\ud55c\ub2e4.<\/p>\n<p>=============<\/p>\n<p>&nbsp;<\/p>\n<p>\ubcf4\uace0\uc11c\uac00 \ub2e4\ub8e8\ub294 \ub0b4\uc6a9\uc774 \ub354 \uc798 \uc774\ud574\ub420 \uc218 \uc788\ub3c4\ub85d \ud575\uc2ec\uc694\uc57d\uc758 \ub098\uba38\uc9c0 \ubd80\ubd84\uc744 \uc5ec\uae30 \uc62c\ub9b0\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<ol>\n<li>\uc65c \ud654\ud3d0, \uc740\ud589\uc5c5, \uae08\uc735\uc758 \ubcc0\ud615\uc774 \ud544\uc218\uc801\uc778\uac00?<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<p>\uc2e0\uc790\uc720\uc8fc\uc758\uc801 \uc790\ubcf8\uc8fc\uc758\ub294 \ud2b9\ud788 2008\ub144 \uae08\uc735 \uc704\uae30 \uc774\ud6c4\uc5d0 \uc0ac\ud68c\uc801\uc73c\ub85c \uacf5\uc815\ud558\uace0 \uc0dd\ud0dc\uc801\uc73c\ub85c \ucc45\uc784 \uc788\ub294 \ubc29\uc2dd\uc73c\ub85c \uc778\uac04\uc758 \uc695\uad6c\ub97c \ucda9\uc871\uc2dc\ud0a4\ub294 \ub2a5\ub825\uc744 \uba85\ubc31\ud558\uac8c \uc0c1\uc2e4\ud588\ub2e4. \uacbd\uc81c\uc131\uc7a5\uacfc \ubd80\uc758 \uc0ac\uc801 \ucd95\uc801\uc5d0 \ub300\ud55c \uc2e0\uc790\uc720\uc8fc\uc758\uc758 \uc9d1\ucc29\uc740 \uc57d\ud0c8\uc801\uc774\uace0 \uc0ac\ud68c\uc801\uc73c\ub85c \uae30\uc0dd\uc801\uc774 \ub420 \uc815\ub3c4\uc5d0 \uc774\ub974\ub800\uace0 \uc804\uccb4 \uccb4\uc81c\ub294 \ud30c\uad6d\uc801\uc73c\ub85c \ud638\ud669\uacfc \ubd88\ud669\uc744 \ubc18\ubcf5\ud558\ub294 \uc131\ud5a5\uc744 \uac00\uc9c0\uac8c \ub418\uc5c8\ub2e4. \uadf8\ub7ec\ub098 \ud654\ud3d0\uc640 \ud654\ud3d0\uccb4\uc81c\uac00 \uc0ac\ud68c\uacf5\ud559\uacfc \uc9c8\uc11c\uc758 \ubcf4\uc774\uc9c0 \uc54a\ub294 \ub3c4\uad6c\ub85c\uc11c \uc791\ub3d9\ud558\ub294 \uc0ac\ud68c\uc801 \ucc3d\uc870\ubb3c\uc774\ub77c\ub294 \uc810\uc740 \ub110\ub9ac \uc778\uc2dd\ub418\uace0 \uc788\uc9c0\ub294 \uc54a\ub2e4. \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \ud654\ud3d0\uc640 \ud654\ud3d0\uccb4\uc81c\ub294 \uc77c\uc885\uc758 \uc790\uc5f0\uc801\uc778 \uacbd\uc81c\uc9c8\uc11c\ucc98\ub7fc \ubcf4\uc774\ub294 \uac83\uc774\ub2e4. \ud558\uc9c0\ub9cc \ud654\ud3d0\ub97c \ucc3d\ucd9c\ud558\ub294 \ub2a5\ub825\uc5d0 \ub300\ud55c \uacf5\uc801 (\uc815\ubd80\uc5d0 \uc758\ud55c) \ud1b5\uc81c\ub825\uc744 \ubbfc\uac04\ubd80\ubb38\uc73c\ub85c\ubd80\ud130 \ub2e4\uc2dc \ub418\ucc3e\uc544\uc11c \ud654\ud3d0\uac00 \ubbfc\uc601\uc740\ud589\ub4e4 \ubc0f \uae08\uc735\uae30\uad00\ub4e4\uc758 \ud611\uc18c\ud55c \uc774\uc724\ucc3d\ucd9c \ubaa9\ud45c\uc5d0 \ubcf5\ubb34\ud558\uae30\ubcf4\ub2e4\ub294 \ubbfc\uc8fc\uc801\uc73c\ub85c \uacb0\uc815\ub41c \uacf5\uc801 \uc695\uad6c\uc5d0 \ubcf5\ubb34\ud558\ub294 \ub370 \uc0ac\uc6a9\ub420 \uc218 \uc788\uac8c \ud558\ub294 \uac83\uc774 \uc804\uc801\uc73c\ub85c \uac00\ub2a5\ud558\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>\uc77c\ubc18 \ub300\uc911\uc740 \ud654\ud3d0\uac00 \ubbfc\uc601\uc740\ud589\ub4e4\uc5d0 \uc758\ud574\uc11c \uc0c8\ub85c\uc6b4 \ubd80\ucc44\u2015\uc815\ubd80\ub4e4\uc774\ub098 \uac00\uad6c\ub4e4\uc5d0 \uc758\ud574 \uc774\uc790\ub97c \ub354\ud574 \uc0c1\ud658\ub420 \uc218 \uc788\ub294 \ubd80\ucc44\u2015\uc758 \ucc3d\ucd9c\uc744 \ud1b5\ud574 \ub9cc\ub4e4\uc5b4\uc9c4\ub2e4\ub294 \uac83\uc744 \uc54c\uc9c0 \ubabb\ud55c\ub2e4.<sup><a href=\"http:\/\/minamjah.tistory.com\/117?category=452913#footnote_117_3\">[\uac01\uc8fc:3]<\/a><\/sup> \uadf8\ub7f0\ub370 \ud654\ud3d0\ub97c \uc815\ubd80\uac00 \uc740\ud589\uc73c\ub85c\ubd80\ud130 \ube4c\ub824\uc57c \ud560 \uc5b4\ub5a4 \uac83\uc73c\ub85c \ubcf4\uc9c0 \uc54a\uace0 \uacf5\ud1b5\uc7ac\ub85c \ubcf4\ub294 \uac83\ub3c4 \uac00\ub2a5\ud558\ub2e4. \uc138\uae08\uc744 \ud1b5\ud574\uc11c \uc138\uc785\uc744 \ub298\ub9ac\ub294 \ub370\uc11c \uc2dc\uc791\ud558\ub294 \uac83\uc774 \uc544\ub2c8\ub77c, \ud1b5\ud654\ub97c \uacf5\uc801\uc73c\ub85c \uacf5\uae09\ud558\uc5ec (\ubbfc\uac04\uacbd\uc81c\uc5d0\uc758 \ud22c\uc790\ub97c \ud3ec\ud568\ud55c) \uc0ac\ud68c\uc801\uc73c\ub85c \ud544\uc694\ud55c \uc9c0\ucd9c\uc5d0 \ub354 \uc6b0\uc120\uc801\uc73c\ub85c \ud22c\uc785\ud558\ub294 \uac83\uc774 \uac00\ub2a5\ud55c \uac83\uc774\ub2e4. \uc774\ub807\uac8c \ub418\uba74 \uacf5\uacf5\uae30\uad00\uc774 \uc740\ud589\uc73c\ub85c\ubd80\ud130 \ub300\ucd9c\uc744 \ubc1b\ub294 \ub370\uc11c \uc0dd\uae30\ub294 \u2018\uc801\uc790\u2019\uac00 \uc560\ucd08\uc5d0 \ubc1c\uc0dd\ud560 \ud544\uc694\uac00 \uc5c6\ub294 \uac83\uc774\ub2e4. \ud654\ud3d0\ub294 \ub2e8\uc21c\ud788 \uc0c8\ub85c\uc6b4 \ud1b5\ud654\uc758 \uacf5\uc801 \uc6d0\ucc9c\uc744 \ub098\ud0c0\ub0bc \ubfd0\uc778 \uac83\uc774 \ub420 \uac83\uc778\ub370, \uc774\ub294 \ubbfc\uc601\uc740\ud589\ub4e4\uc774 \uc774\ubbf8 \ud654\ud3d0\ub97c \ubd80\ucc44\uc758 \ud615\ud0dc\ub85c \ub9cc\ub4e4\uc5b4\ub0b4\uba74\uc11c \uc218\ud589\ud558\ub294 \uae30\ub2a5\uc774\ub2e4. \uadf8\ub7ec\ub098 \uacf5\uc801 \ud1b5\ud654\ub294 \uc774\uc790\uac00 \uc5c6\uace0 \ubbfc\uc8fc\uc801\uc73c\ub85c \uacb0\uc815\ub418\ub294 \uc695\uad6c\ub97c \ucda9\uc871\uc2dc\ud0a8\ub2e4\ub294 \uc810\uc5d0\uc11c \ubbfc\uc601\uc740\ud589\ub4e4\uc774 \ubd80\ucc44 \ud615\ud0dc\ub85c \ub9cc\ub4e4\uc5b4\ub0b4\ub294 \ud654\ud3d0\uc640 \ub2e4\ub974\ub2e4. \uc774\uc81c \ubbfc\uc601 \ub300\ucd9c\uc5c5\uc790\uc758 \uc0c1\uc5c5\uc801\uc774\uace0 \uc774\uc724\uc5d0 \uc758\ud574 \ucd94\ub3d9\ub418\ub294 \uc695\uad6c\ub97c \uc6b0\uc120\uc801\uc73c\ub85c \ucda9\uc871\uc2dc\ud0ac \ud544\uc694\uac00 \uc5c6\ub294 \uac83\uc774\ub2e4. \uacf5\ud1b5\uc758 \uc774\uc775\uc744 \uc704\ud55c \ud654\ud3d0\uac00 \uacf5\uc801 \uc11c\ube44\uc2a4\ub85c\uc11c \ubbfc\uc8fc\uc801\uc73c\ub85c \ucc3d\ucd9c\ub420 \uc218 \uc788\uc73c\uba70, \uacf5\uc801 \uc774\uc775\uc744 \uc704\ud574 \ud560\ub2f9\ub420 \uc218 \uc788\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<ol>\n<li>\ucee4\uba3c\uc988\uc640 \ucee4\uba38\ub2dd\uc5d0 \uc5b4\ub5bb\uac8c \uc7ac\uc815\uc744 \uc9c0\uc6d0\ud560 \uc218 \uc788\ub294\uac00?<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<p>\uae30\uc874\uc758 \uae08\uc735\uc81c\ub3c4\ub294 \ucc29\ucde8\uc640 \ucd94\ucd9c\uc758 \uacbd\uc81c\uc5d0 \ubc14\uccd0\uc838 \uc788\ub2e4. \uc774 \uacbd\uc81c\ub294 \uc131\uc7a5\uc774\ub77c\ub294 \uba85\ub839\uc774 \ub0b4\uc7a5\ub41c \ub2e4\ub2e8\uacc4 \uc0ac\uae30\uc5d0 \ud574\ub2f9\ud55c\ub2e4. \uc77c\ubc18 \ub300\uc911\uc740 \uc774\uc790\u2015\uc740\ud589\uc774 \ucc3d\ucd9c\ud55c \uc561\uc218\uc758 \ud654\ud3d0\uc5d0 \ucd94\uac00\ub85c \ubd99\ub294 \uac83\u2015\ub97c \uc0c1\ud658\ud558\uae30 \uc704\ud574\uc11c \uc810\uc810 \ub354 \ub9ce\uc740 \ubd80\ucc44\ub97c, \uacbd\uc81c\uac00 \uc131\uc7a5\ud558\ub294 \uc18d\ub3c4\ubcf4\ub2e4 \ub354 \ube60\ub974\uac8c \uc838\uc57c \ud558\uae30 \ub54c\ubb38\uc774\ub2e4. \ubcf5\ub9ac\ub85c \ucd94\ub3d9\ub418\ub294 \uc774 \ubd80\ucc44\uc758 \uc218\ub808\ubc14\ud034\ub294 \ubc18\ub4dc\uc2dc \ud22c\uae30\uc640 \uacbd\uc81c\uc801 \uc704\uae30\ub4e4\uc744 \ub0b3\ub294\ub2e4. \ubbf8\uad6d\uc5d0\uc11c \ucf00\uc778\uc988\uc8fc\uc758\uc801 \uac1c\ud601\uacfc \ub274\ub51c\uc744 \ub0b3\uc558\uace0 \uadfc\ub300\uc801 \ubcf5\uc9c0\uad6d\uac00\uac00 \ucd9c\ud604\ud588\ub358 1929\ub144\uacfc\ub294 \ub2ec\ub9ac 2008\ub144 \uc774\ud6c4\uc758 \uc804\uc9c0\uad6c\uc801 \uc740\ud589\uc5c5\uacfc \ud654\ud3d0\uccb4\uc81c\ub294 \uadf8 \uc5b4\ub5a4 \uadfc\ubcf8\uc801\uc778 \uac1c\ud601\ub3c4 \uc5c6\uc774 \uc720\uc9c0\ub418\uace0 \uc788\ub2e4. \ud604\uc7ac \uc6b0\ub9ac\uc758 \ud654\ud3d0 \ubc0f \uc740\ud589\uc5c5 \uccb4\uc81c\ub294 \uc789\uc5ec\ub97c \ucc3d\ucd9c\ud558\uae30 \uc704\ud574\uc11c \uc0ac\uc720\ud654, \ubd84\uc5c5, \uacf5\ud1b5\uc758 \uc790\uc6d0\uc758 \uc885\ud68d\uc744 \uc774\uc6a9\ud558\ub294 \uc790\uc0ac\uc18c\ub4dd \ucd94\ucd9c(rent extraction)\uc5d0 \uae30\ubc18\uc744 \ub450\uace0 \uc788\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>\uc774 \uacfc\uc815\uc740 \uc0ac\uc720\ud654\ub41c \uc790\uc6d0\uacfc \ub178\ub3d9\uc744 \uc81c\ud55c\ud558\uace0 \uadf8\uc5d0 \ub300\ud55c \uad8c\ub9ac\ub97c \uc8fc\uc7a5\ud558\ub294 \ub2e4\uc591\ud55c \uae08\uc735 \ub3c4\uad6c\ub4e4\uc5d0 \uc758\ud574 \uc9c0\ud0f1\ub418\uace0 \uc788\ub2e4. \uc774\ub7ec\ud55c \uae08\uc735\ub3c4\uad6c\ub4e4\uc740 \uacf5\uc801\uc774\uace0 \uacf5\ud1b5\uc801\uc778 \uc0ac\uc6a9\uc744 \uc704\ud574 \uc0c8\ub85c\uc6b4 \uc790\ubcf8\uc744 \ucc3d\ucd9c\ud558\ub294 \uac83\uc744 \uae08\uc9c0\ud558\uba70, \ucee4\uba38\ub108\ub4e4\uc774 \uacf5\ud1b5\uc758 \ubaa9\uc801\uc744 \uc704\ud574 \uc790\uc2e0\uc758 \uace0\uc720\ud55c \uac00\uce58\uc640 \uc790\ubcf8\uc744 \ucc3d\ucd9c\ud558\ub294 \ub2a5\ub825\uc744 \uc88c\uc808\uc2dc\ud0a8\ub2e4. \uae30\uc874\uc758 \uc0dd\uc0b0 \ubc0f \uae08\uc735 \uccb4\uc81c\ub294 \ubaa8\ub4e0 \ucc3d\ucd9c\ub41c \uac00\uce58\ub97c \uac1c\uc778\uc758 \ud638\uc8fc\uba38\ub2c8\ub85c \ud761\uc218\ud558\ub3c4\ub85d \uc124\uacc4\ub418\uc5b4 \uc788\ub2e4. \uadf8\ub798\uc11c \ucee4\uba38\ub108\ub4e4\uacfc \uae08\uc735\uc744 \uacf5\uc801 \uc774\uc775\uc744 \uc99d\uc9c4\ud558\ub294 \ub3c4\uad6c\ub85c \uc0bc\ub294 \ub370 \ud5cc\uc2e0\ud558\ub294 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \ub0a8\uc740 \uc720\uc77c\ud55c \ud76c\ub9dd\uc740 \uae30\uc874\uc758 \uc790\uc0b0\uc18c\ub4dd\uc790 \uccb4\uc81c(rentier system)<sup><a href=\"http:\/\/minamjah.tistory.com\/117?category=452913#footnote_117_4\">[\uac01\uc8fc:4]<\/a><\/sup>\ub97c \ubd80\uc218\uace0 \uc790\uc5f0\uacfc \uc0ac\ud68c\uc801 \uac00\uce58\uc758 \uc601\uc5ed\uc744 \uc0c8\ub86d\uac8c \uac1c\ub150\ud654\ub41c \ucd1d\uccb4\u2015\uc5ec\uae30\uc11c \uc790\ubcf8\uc740 \uc0ac\ud68c\uc758 \uc9d1\ub2e8\uc801 \ubaa9\uc801\uc5d0 \ubcf5\ubb34\ud558\uac8c \ub41c\ub2e4\u2015\ub85c \uc7ac\ud1b5\ud569\ud558\ub294 \ub370 \uc788\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>\uc694\ucee8\ub300 \uc6b0\ub9ac\ub294 \ucee4\uba3c\uc988 \uae30\ubc18\uc758 \ubbfc\uc8fc\uc801\uc774\uace0 \uacf5\ud3c9\ud55c \uc0ac\ud68c\ub97c \ucc3d\ucd9c\ud558\ub824\uba74 \ud654\ud3d0\uc640 \uc2e0\uc6a9\uc758 \uc5ed\ud560\uc744 \ub2e4\uc2dc \uc0c1\uc0c1\ud558\uace0 \ub2e4\uc2dc \uad6c\ucd95\ud574\uc57c \ud55c\ub2e4. \uc774\ub294 \uc0ac\ub78c\ub4e4\uc774 \uacf5\uc720\ub41c \uc790\uc6d0\uc744 \uacf5\ud1b5\uc7ac\ub85c \uc0c1\uc0c1\ud558\uace0 \ud45c\ud604\ud558\uace0 \ucc3d\ucd9c\ud558\ub294 \uacfc\uc815\uc744 \ud1b5\ud574 \ucee4\uba38\ub2dd\uc5d0 \uadf8\ub9ac\uace0 \uacbd\uc81c\uc801\u00b7\uc0ac\ud68c\uc801 \ud611\ub3d9\uc744 \uc99d\uc9c4\ud558\ub294 \ub370 \ucc38\uc5ec\ud560 \uc218 \uc788\ub3c4\ub85d \uae08\uc735\uc744 \uc0ac\uc6a9\ud568\uc744 \uc758\ubbf8\ud55c\ub2e4. \uc774\ub294 \uae30\uc874\uc758 \ub300\ucd9c\uc758 \uc8fc\ub41c \ubaa9\uc801\uc778 \uac1c\uc778 \uc790\uc0b0\uc758 \uc5f4\ub764 \uad6c\ub9e4 \ubc0f \ucc3d\ucd9c\uacfc\ub294 \ub9e4\uc6b0 \ub2e4\ub978 \uc815\uc2e0\uc801 \ud0dc\ub3c4\uc774\ub2e4. \uadf8 \ud575\uc2ec\uc740 \uc0c1\ud638\uc801\uc73c\ub85c \ud589\ud558\ub294 \uacfc\uc815\uc5d0 \ub3c8\uc744 \ub300\ub294 \uac83\uc774\ub2e4. \uc774\ub294 \ud654\ud3d0\u00b7\uc2e0\uc6a9\u00b7\ub9ac\uc2a4\ud06c\ub97c \uad00\ub9ac\ud558\ub294 (\uadf8\ub9ac\uace0 \uc0c1\ud638\uc801\uc778 \uac83\uc73c\ub85c \ub9cc\ub4dc\ub294) \uc9c0\uae08\uacfc\ub294 \uc804\uc801\uc73c\ub85c \ub2e4\ub978 \uc81c\ub3c4\ub4e4, \ubc95\uccb4\uacc4\ub4e4, \uc0ac\ud68c\uc801 \uad00\ud589\ub4e4\uc744 \ud544\uc694\ub85c \ud55c\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>III. \uae08\uc735\uc744 \ubcc0\ud615\uc2dc\ud0a4\ub294 \uc544\ud649 \uac00\uc9c0\uc758 \ud601\uc2e0\uc801 \uc81c\ub3c4\ud615\ud0dc\ub4e4<\/p>\n<p>&nbsp;<\/p>\n<p>\uadf8\ub7f0\ub370 \uc81c\ub85c\uc5d0\uc11c \uc2dc\uc791\ud560 \ud544\uc694\ub294 \uc5c6\ub2e4. \uc88b\uc740 \uc18c\uc2dd\uc740 \uc2e0\uc6a9\uacfc \ub9ac\uc2a4\ud06c\uac00 \ucee4\uba3c\uc988\uc5d0 \ubcf5\ubb34\ud558\ub3c4\ub85d \uc0c8\ub86d\uac8c \uac1c\ub150\ud654\ub420 \uc218 \uc788\ub2e4\ub294 \uc810\uc774\ub2e4. \uc774\ub294 \uc774\uc804\uc5d0\ub294 \uc5ec\ub7ec \uc81c\ud55c\ub41c \ubc29\uc2dd\uc73c\ub85c \ud589\ud574\uc84c\ub2e4. \uc774\ubbf8 \uc774 \ubb38\uc81c\ub4e4\uc744 \ub2e4\ub8e8\uae30 \uc704\ud574 \ucd9c\ud604\ud55c, \ub9e4\uc6b0 \ub2e4\uc591\ud55c \uc5ed\uc0ac\uc801\uc73c\ub85c \uc785\uc99d\ub41c \uc720\ub9dd\ud55c \uc0ac\ub840\ub4e4\uc774 \uc788\ub2e4. \u2018\uc2ec\uce35 \uc7a0\uc218\u2019\ub294 \uc544\ud649 \uac1c\uc758 \uae08\uc735\ud601\uc2e0\ubaa8\ub378\ub4e4\uc744 \ud0d0\uad6c\ud588\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<ol>\n<li>\uc0ac\ud68c\uc801\u00b7\uc724\ub9ac\uc801 \ub300\ucd9c<\/li>\n<\/ol>\n<p>\uc2a4\ud398\uc778\uc758 \ud53c\uc544\ub808(Fiare)\uc640 \uc774\ud0c8\ub9ac\uc544\uc758 \ubc29\uce74 \uc5d0\ud2f0\uce74(Banca Etica)\uc640 \uac19\uc740 \uc724\ub9ac\uc801 \uc0ac\ud68c\uc801 \uc740\ud589\ub4e4\uc740 \uadf8\ub4e4\uc758 \ub300\ubd80(\u8cb8\u4ed8)\uac00 \uc0ac\ud68c\uc640 \ud658\uacbd\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc5d0 \ud65c\ubc1c\ud55c \uad00\uc2ec\uc744 \uac00\uc9c0\uace0 \uc788\ub2e4. \ub530\ub77c\uc11c \uc774 \uc740\ud589\ub4e4\uc740 \uacf5\uc815\ubb34\uc5ed\uc6b4\ub3d9, \uae30\uc5c5\uc758 \uc0ac\ud68c\uc801 \ucc45\uc784, \uc9c0\uc5ed\uc5d0\uc11c \uc5b4\uc5ff\ud55c \uc77c\uc790\ub9ac\ub97c \ub9cc\ub4e4\uc5b4\ub0b4\ub294 \uc9c0\uc5ed\uc0ac\uc5c5\ub4e4, \uae30\ud0c0 \ud611\ub3d9\uc801\u00b7\uc0ac\ud68c\uc801 \uad00\uc2ec\uc0ac\ub4e4\uacfc \uc5f0\uad00\ub41c \ub300\ucd9c\uc790\ub4e4\uc5d0 \uc9d1\uc911\ud55c\ub2e4. \ubc29\uce74 \uc5d0\ud2f0\uce74\ub294 400\uac1c \uc774\uc0c1\uc758 \uc9c0\ubc29 \uc815\ubd80\ub4e4\uacfc \uc5f0\uacb0\ub418\uc5b4 \uc788\uc5b4 \uacf5\uc801 \ubd80\ubb38 \ubc0f \uacf5\ub3d9\uccb4 \uc694\uc18c\ub97c \uac15\ub825\ud558\uac8c \uac00\uc9c0\uace0 \uc788\ub2e4. \uc774 \ud611\ub3d9\uc801 \uc740\ud589\uc758 \uc790\uae30\uc790\ubcf8\uc740 \ud604\uc7ac 5\ucc9c2\ubc31\ub9cc \uc720\ub85c\uc778\ub370 3\ub9cc5\ucc9c \uba85\uc758 \uc8fc\uc8fc\ub4e4\uacfc 90\uac1c\uc758 \uc9c0\uc5ed \uadf8\ub8f9\ub4e4\uc774 \uc18c\uc720\ud558\uace0 \uc788\uc73c\uba70, \uc774\ub4e4\uc740 \uc740\ud589\uc758 \uc0dd\uc0b0\ubb3c\ub4e4\uacfc \uc11c\ube44\uc2a4\ub4e4\uc744 \uac1c\ubc1c\ud558\ub294 \uac83\uc744 \ud65c\ubc1c\ud558\uac8c \ub3c4\uc6b0\uba70 \uadf8 \uc0ac\ud68c\uc801 \uc758\ubb34\uc5d0 \ucc45\uc784\uc744 \uc9c0\ub3c4\ub85d \ud558\uace0 \uc788\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<ol start=\"2\">\n<li>\uc9c0\uc5ed\ubc1c\uc804 \uae08\uc735\uae30\uad00\ub4e4<\/li>\n<\/ol>\n<p>\uc9c0\uc5ed\ubc1c\uc804 \uae08\uc735\uae30\uad00\ub4e4(Community Development Finance Institutions, CDFIs)<sup><a href=\"http:\/\/minamjah.tistory.com\/117?category=452913#footnote_117_5\">[\uac01\uc8fc:5]<\/a><\/sup>\uc740 \ud611\ub3d9\uc801\uc774\uace0 \uc0c1\ud638\uc801\uc778 \ub300\ucd9c\uc744 \ud558\ub294 \uae30\uad00\ub4e4\uc758 \ud55c \uc885\ub958\ub85c\uc11c \ubbf8\uad6d\uc5d0\uc11c \ud2b9\ud788 \uc778\uc885\ucc28\ubcc4\uc5d0 \ub9de\uc11c \uc2e0\uc6a9\uc5d0\uc758 \uc811\uadfc\uc744 \ubbfc\uc8fc\ud654\ud558\ub294 \ubc29\ubc95\uc73c\ub85c\uc11c \ubc88\uc131\ud574\uc654\ub2e4. \ud074\ub9b0\ud134\uacfc \uc624\ubc14\ub9c8 \ub300\ud1b5\ub839\uc73c\ub85c\ubd80\ud130 \uac15\ub825\ud55c \uc9c0\uc6d0\uc744 \ubc1b\uc740 \ub355\ud0dd\uc5d0 \ud604\uc7ac\ub294 1\ucc9c \uac1c \uc774\uc0c1\uc758 \uc0ac\ud68c\uc801 \uc784\ubb34\uc5d0 \uc758\ud574 \ucd94\ub3d9\ub418\ub294 \uae30\uad00\ub4e4\uc774 \uacf5\uc2dd\uc801\uc73c\ub85c \uc9c0\uc5ed\ubc1c\uc804 \uae08\uc735\uae30\uad00\ub4e4\ub85c\uc11c \uc778\uc815\ub418\uace0 \uc788\uc73c\uba70, 2-3\ubc30\uac00 \ub418\ub294 \ub610 \ub2e4\ub978 \uae30\uad00\ub4e4\uc774 \uacf5\uc778\uc740 \ubc1b\uc9c0 \ubabb\ud588\uc73c\ub098 \uc720\uc0ac\ud55c \uc77c\uc744 \ud558\uace0 \uc788\ub2e4. \uc774\ub4e4\uc758 \uc790\uc0b0\uc744 \ub2e4 \ud569\ud558\uba74 \uc218\ubc31\uc5b5 \ubbf8\uad6d \ub2ec\ub7ec\uc5d0 \ub2ec\ud55c\ub2e4. \uc9c0\uc5ed\ubc1c\uc804 \uae08\uc735\uae30\uad00\ub4e4\uc740 \uc601\uad6d\uc5d0\uc11c\ub3c4 \ubc1c\uc804\ub418\uc5b4 \uc720\uc0ac\ud55c \ubc29\uc2dd\uc73c\ub85c \uc131\uc7a5\ud558\uace0 \uc788\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<ol start=\"3\">\n<li>\uacf5\uacf5\uc740\ud589\ub4e4<\/li>\n<\/ol>\n<p>\uc0c1\uc5c5\uc801 \uc740\ud589\uccb4\uc81c\uc5d0 \uc758\ud574 \uac00\uc18d\ub418\ub294, \ud638\uacbd\uae30\uc640 \ubd88\uacbd\uae30\ub97c \ubc18\ubcf5\ud558\ub294 \uacbd\uc81c\uc5d0 \ub300\ud55c \ub9e4\ub825\uc801\uc778 \ub300\uc548\uc740 \uacf5\uacf5\uc740\ud589\uc774\ub2e4. \uacf5\uacf5\uc740\ud589\ub4e4\uc740 \uacf5\uc801 \ub300\ucd9c \uacbd\ube44\ub97c \uc989\uac01\uc801\uc73c\ub85c \ub0b4\ub9b4 \uc218 \uc788\uace0 \uc774\uc724\uc744 \ucd94\ucd9c\ud558\uc9c0 \uc54a\ub294 \ubc29\uc2dd\uc73c\ub85c \uc0ac\ud68c\uc801 \uc695\uad6c\uc5d0 \ubd80\uc751\ud560 \uc218 \uc788\ub294 \uc790\ubcf8\uc744 \uc81c\uacf5\ud560 \uc218 \uc788\uc73c\uba70 \uadf8\ub7f0 \uae30\ud68d\uc758 \uc774\uc790\uacbd\ube44\ub97c \uc904\uc784\uc73c\ub85c\uc368 \uae30\ubc18\uc2dc\uc124 \ud22c\uc790\uc758 \uacbd\ube44\ub97c \ub0ae\ucd9c \uc218 \uc788\ub2e4. \uadf8 \ud55c \uc0ac\ub840\uac00 \ub178\uc2a4\ub2e4\ucf54\ud0c0 \uc740\ud589(the Bank of North Dakota)\uc774\ub2e4. \uc774 \uc740\ud589\uc740 \ub178\uc2a4\ub2e4\ucf54\ud0c0\uc758 60\ub9cc \uba85\uc758 \uc8fc\ubbfc\ub4e4\uc5d0\uac8c 10\ub144\uc5d0 \uac78\uccd0 3\uc5b5 \ub2ec\ub7ec \uc774\uc0c1\uc758 \ubc30\ub2f9\uae08\uc744 \uc0b0\ucd9c\ud558\uba74\uc11c\ub3c4 \uc18c\uae30\uc5c5, \ud559\uc0dd\ub4e4, \ub18d\ubbfc\ub4e4\uc5d0\uac8c \ub0ae\uc740 \uc774\uc790\uc758 \ub300\ubd80\ub97c \uc81c\uacf5\ud55c\ub2e4. 1938\ub144\uacfc 1974\ub144 \uc0ac\uc774\uc5d0 \uce90\ub098\ub2e4 \uc740\ud589(the Bank of Canada)\ub3c4 \uacf5\uacf5 \uc740\ud589\uc5c5\uc744 \ub2f4\ub2f9\ud558\ub294 \uc9c0\ubd80\ub97c \ud1b5\ud574 \uc804\uad6d \uaddc\ubaa8\ub85c \uc774\ub7f0 \uc2dd\uc73c\ub85c \uc601\uc5c5\uc744 \ud588\ub2e4. \uce90\ub098\ub2e4\uc5d0\uc11c \uac00\uc7a5 \ud070 \uae30\ubc18\uc2dc\uc124 \ud504\ub85c\uc81d\ud2b8 \uac00\uc6b4\ub370 \uc77c\ubd80\u2015\uc608\ub97c \ub4e4\uc5b4 \uc384\uc778\ud2b8 \ub85c\ub80c\uc2a4 \uc528\uc6e8\uc774(St. Lawrence Seaway)<sup><a href=\"http:\/\/minamjah.tistory.com\/117?category=452913#footnote_117_6\">[\uac01\uc8fc:6]<\/a><\/sup>\u2015\ub3c4 \uc774\ub7f0 \uc2dd\uc73c\ub85c \uc7ac\uc815\uc744 \ud655\ubcf4\ud588\ub2e4. \uc2dc\ub9bd\uc740\ud589\ub4e4\uc744 \ud3ec\ud568\ud558\uc5ec \uc138\uacc4 \uc804\uc5ed\uc5d0 \uacf5\uacf5\uc740\ud589\uc5c5\uc758 \uc88b\uc740 \uc0ac\ub840\ub4e4\uc774 \ub9ce\uc774 \uc788\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<ol start=\"4\">\n<li>\uc774\ud589\uc9c0\ud5a5\uc801 \uc2e0\uc6a9<\/li>\n<\/ol>\n<p>\uc804\ud1b5\uc801 \uc740\ud589\ub4e4\uc774 \uac00\uc9c4 \ud575\uc2ec\uc801 \ubb38\uc81c\ub294 \uc131\uc7a5\ud558\uc9c0 \ubabb\ud558\ub294 \uc0c1\ud669\uc5d0\uc11c\ub098 \uc2dc\uc7a5 \uae08\ub9ac\uac00 \ub0ae\uc744 \ub54c\uc5d0\ub294 \ud5c8\uc6b0\uc801\uac70\ub9b0\ub2e4\ub294 \uc810\uc774\ub2e4. \ub530\ub77c\uc11c \uc0dd\ud0dc\uc5d0 \ub300\ud55c \uc758\uc2dd\uc744 \uac00\uc9c4 \uba87\uba87 \uacf5\ub3d9\uccb4\ub4e4\uc740 \uc131\uc7a5\uacfc \ubb34\uad00\ud55c \uc0c1\ud669\uc5d0\uc11c\ub3c4 \uc798 \uc791\ub3d9\ud560 \uc218 \uc788\uc73c\uba70 \ud0c4\ub825 \uc788\ub294 \uc9c0\uc5ed \uacbd\uc81c\ub97c \ub4b7\ubc2d\uce68\ud560 \uc218 \uc788\ub294 \uc2e0\uc6a9 \ubc0f \uae08\uc735\ubaa8\ub378\uc744 \uace0\uc548\ud558\ub824\uace0 \uc560\uc4f0\uace0 \uc788\ub2e4. \uc2a4\uc6e8\ub374\uc758 \uc308\ube0c\ub8e8\ucf13(Sambruket) \uacf5\ub3d9\uccb4\ub294 \uc790\uc5f0\uc790\uc6d0 \ucee4\uba3c\uc988\uc640 \uc774\ub97c \ubcf4\uc644\ud558\ub294, \uc9c0\uc18d \uac00\ub2a5\ud558\uac8c \uc791\ub3d9\ud560 \uae08\uc735 \ucee4\uba3c\uc988\ub97c \ubaa8\ub450 \uc218\ub9bd\ud560 \ud544\uc694\uac00 \uc788\ub2e4\uace0 \uacb0\ub860\uc744 \ub0b4\ub838\ub2e4. \ud611\ub3d9\uc870\ud569\uc778 \uc774 \uacf5\ub3d9\uccb4\ub294 \uc9c0\uc5ed\uc758 \uc9c0\uc18d \uac00\ub2a5\ud55c \ubc1c\uc804\uc744 \ub4b7\ubc1b\uce68\ud558\ub294 \ud55c \ubc29\uc2dd\uc73c\ub85c\uc11c \ud06c\ub77c\uc6b0\ub4dc\uc5d0\ucffc\ud2f0 \ube44\uc601\ub9ac \uc2dc\uc2a4\ud15c\uc744 \uc2e4\ud5d8\ud558\uace0 \uc788\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<ol start=\"5\">\n<li>\uacf5\ub3d9\uccb4\uc758 \uae30\ubc18\uc2dc\uc124\ub85c\uc11c\uc758 \ube14\ub85d\uccb4\uc778 \uc7a5\ubd80<\/li>\n<\/ol>\n<p>\ube44\ud2b8\ucf54\uc778\uc774 \ud22c\uae30\uc5d0\uc11c \ud558\ub294 \uc5ed\ud560\uc5d0 \ub300\ud574 \ub17c\ub780\uc774 \uc788\uc74c\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \ube44\ud2b8\ucf54\uc778\uc740 \uadf8 \ud601\uc2e0\uc801\uc778 \u2018\ubd84\uc0b0\ub41c \uc6d0\uc7a5\u2019 \ud639\uc740 \u2018\ube14\ub85d\uccb4\uc778\u2019 \ud14c\ud06c\ub180\ub85c\uc9c0\ub85c \uc778\ud574\uc11c \uae08\uc735\uc0c1\uc758 \uc911\uc694\ud55c \uc804\uc9c4\uc774\ub2e4. \uc774\ub7ec\ud55c \ud68d\uae30\uc801\uc778 \uc2dc\uc2a4\ud15c\uc740 \uac1c\ubc29\ub41c \ub124\ud2b8\uc6cc\ud06c\ub4e4\uc5d0 \uc788\ub294 \uc0ac\ub78c\ub4e4\ub85c \ud558\uc5ec\uae08 \uac1c\uc778\uc758 \ube44\ud2b8\ucf54\uc778(\ud639\uc740 \ub514\uc9c0\ud138 \uc99d\uba85\uc11c\ub098 \ubb38\uc11c)\uc758 \uc9c4\uc815\uc131\uc744 \uc740\ud589\uc774\ub098 \uc815\ubd80\uae30\uad00 \uac19\uc740 \uc81c3\uc790 \ubcf4\uc99d\uc778\uc774 \uc5c6\uc774 \ud655\uc99d\ud560 \uc218 \uc788\uac8c \ud55c\ub2e4. \uc774\ub294 \ub110\ub9ac \ud655\uc0b0\ub420 \uc218 \uc788\ub2e4. \ube14\ub85d\uccb4\uc778 \ud14c\ud06c\ub180\ub85c\uc9c0\ub294 \ub124\ud2b8\uc6cc\ud06c \ud50c\ub7ab\ud3fc\ub4e4\uc5d0\uc11c \uc0ac\ud68c\uc801 \uad00\uacc4\ub97c \uad00\ub9ac\ud558\ub294 \ub370\u2015\uc608\ub97c \ub4e4\uc5b4 \ub514\uc9c0\ud138 \ub124\ud2b8\uc6cc\ud06c\ub4e4\uc5d0 \uae30\ubc18\uc744 \ub454 \u2018\ubd84\uc0b0\ub41c \ud611\ub3d9\uc870\uc9c1\ub4e4\u2019\uc774\ub098 \ud55c \uc9d1\ub2e8\uc758 \uacf5\ub3d9 \uac70\ubc84\ub10c\uc2a4\ub97c \uc704\ud55c \ud2c0\ub4e4\uc744 \uc218\ub9bd\ud558\ub294 \ub370\u2015\uc2e0\ub8b0\ud560\ub9cc\ud558\uac8c \uc0ac\uc6a9\ub420 \uc218 \uc788\uae30 \ub54c\ubb38\uc774\ub2e4. \ub9cc\uc77c \uc0ac\uc6a9\uc790\ub4e4\uc774 \ub2e4\ub978 \uc0ac\uc6a9\uc790\ub4e4\uc758 \uc2e0\ub8b0\uc131\uc774\ub098 \uc2e0\ube59\uc131\uc744 \ud655\uc99d\ud560 \uc77c\uc0c1\uc801 \uc218\uace0\ub97c \ub35c \uc218 \uc788\ub2e4\uba74, \uac1c\ubc29\ub41c \ub124\ud2b8\uc6cc\ud06c \uc2dc\uc2a4\ud15c\ub4e4\uc5d0\uc11c\uc758 \uad50\ub958\uad00\uacc4\uc5d0 \ucc38\uc5ec\ud560 \uc218 \uc788\ub294 \uc0ac\ub78c\ub4e4\uc758 \uc218\uc5d0 \uc81c\ud55c\uc774 \uc5c6\uac8c \ub420 \uac83\uc774\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<ol start=\"6\">\n<li>\ubcf4\uc644\ud1b5\ud654\ub4e4<\/li>\n<\/ol>\n<p>&lt;\uacf5\ub3d9\uccb4 \ub300\uc7a5\uac04&gt;(Community Forge, communityforge.net)\uc740 \uacf5\ub3d9\uccb4\ub4e4\ub85c \ud558\uc5ec\uae08 \uc790\uc2e0\uc758 \uc9c0\uc5ed\ud1b5\ud654\ub97c \ucc3d\ucd9c\ud558\uac8c \ud558\uace0 \uac70\ub798\uc640 \uad6c\uc131\uc6d0\ub4e4\uc758 \uacc4\uc88c\ub97c \uad00\ub9ac\ud558\uac8c \ud558\uba70 \uac1c\uc778 \ubc0f \uc9d1\ub2e8\uc758 \uc695\uad6c\ub97c \uc120\uc804\ud560 \uc218 \uc788\uac8c \ud558\ub294 \uc18c\uc15c \ub124\ud2b8\uc6cc\ud0b9 \ud50c\ub7ab\ud3fc\uc774\ub2e4. 400\uac1c \uc774\uc0c1\uc758 \uacf5\ub3d9\uccb4\ub4e4\uc774 \ub4dc\ub8e8\ud314(Drupal) \uae30\ubc18\uc758 \ud50c\ub7ab\ud3fc\uc744 \uc0ac\uc6a9\ud558\uc5ec \ubcf4\uc644\ud1b5\ud654\ub4e4(complementary currencies)\uc744 \uad00\ub9ac\ud55c\ub2e4. 2014\ub144 \ub9d0\uc5d0 &lt;\uacf5\ub3d9\uccb4 \ub300\uc7a5\uac04&gt;\uc740 \ud504\ub791\uc2a4\uc5d0\uc11c 550\uac1c, \ubca8\uae30\uc5d0\uc5d0\uc11c 113\uac1c, \uc2a4\uc704\uc2a4\uc5d0\uc11c 63\uac1c\uc758 LETS \ud504\ub85c\uc81d\ud2b8\ub4e4<sup><a href=\"http:\/\/minamjah.tistory.com\/117?category=452913#footnote_117_7\">[\uac01\uc8fc:7]<\/a><\/sup>\uacfc 150\uac1c\uc758 \uc2dc\uac04\uc740\ud589\ub4e4\uc744 \uc9c0\uc6d0\ud588\ub2e4. \ud765\ubbf8\ub85c\uc6b4 \ub300\uc548\ud1b5\ud654 \uac00\uc6b4\ub370 \ud558\ub098\ub294 \uc720\ucf54\uc778(uCoin)\uc774\ub2e4. \uc774\ub294 \ud504\ub791\uc2a4\uc5d0\uc11c \uc554\ud638\ud654\ud3d0(cryptocurrency)\ub97c \uc0ac\uc6a9\ud558\uc5ec \uae30\ubcf8\uc18c\ub4dd\uc744 \uc2dc\ud589\ud558\ub824\uace0 \ud558\ub294 \uae30\ud68d\uc774\ub2e4<\/p>\n<p>&nbsp;<\/p>\n<ol start=\"7\">\n<li>\ucee4\uba3c\uc988\ub97c \uc704\ud55c \ud06c\ub77c\uc6b0\ub4dc\ud380\ub529<\/li>\n<\/ol>\n<p>\uac00\uc7a5 \ud601\uc2e0\uc801\uc778 \ud06c\ub77c\uc6b0\ub4dc\ud380\ub529 \uae30\ud68d\uc740 \uace0\ud14c\uc624(Goteo)\uc774\ub2e4. \uc774\ub294 \uc2a4\ud398\uc778\uc5d0 \uae30\ubc18\uc744 \ub454 \uc624\ud508\uc18c\uc2a4 \ud50c\ub7ab\ud3fc\uc73c\ub85c\uc11c \ucee4\uba3c\uc988 \uae30\ud68d\uacfc \uc6d0\uce59\uc744 \uc99d\uc9c4\uc2dc\ud0a4\ub294 \uac83\uc744 \ubaa9\uc801\uc73c\ub85c \ud55c\ub2e4. \ucf54\ud14c\uc624\uac00 \uc77c\ubc18\uc801\uc778 \ud06c\ub77c\uc6b0\ub4dc\ud380\ub529 \uc0ac\uc774\ud2b8\ub4e4\uacfc \ub2e4\ub978 \uc810\uc740, \ud504\ub85c\uc81d\ud2b8\ub4e4\uc744 \uac1c\uc120\ud558\ub294 \ub370 \ub300\uc911\uc758 \ucc38\uc5ec\ub97c \uad8c\uc720\ud558\uace0 \uae30\ubd80\uc790\ub4e4\uc5d0\uac8c \ub354 \ud070 \ucc45\uc784\uc744 \ubd80\uc5ec\ud558\ub294 \uac83\uc774\ub2e4. \uc624\ub298\ub0a0\uae4c\uc9c0 \uace0\ud14c\uc624\ub294 400\uac1c \uc774\uc0c1\uc758 \ud504\ub85c\uc81d\ud2b8\ub4e4\uc5d0 \uc7ac\uc815\uc744 \uc9c0\uc6d0\ud588\uc73c\uba70 \uae30\uae08\ub9c8\ub828 \ubaa9\ud45c\ub4e4\uc744 \ucda9\uc871\uc2dc\ud0a4\ub294 \ub370 \uc788\uc5b4\uc11c 60-70%\uc758 \uc131\uacf5\ub960\uc744 \uae30\ub85d\ud588\ub2e4. 5\ub9cc \uba85 \uc774\uc0c1\uc758 \uc0ac\uc6a9\uc790\ub4e4\uc774 \uc788\uc73c\uba70 2011\ub144 \ucc3d\ub9bd\ud55c \uc774\ub798 2\ubc31\ub9cc \uc720\ub85c \uc774\uc0c1\uc744 \ubaa8\uc558\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<ol start=\"8\">\n<li>\uc5d4\uc2a4\ud53c\ub784\uacfc \ucee4\uba3c\uc988 \uae30\ubc18\uc758 \uac00\uc0c1 \uc740\ud589\uc5c5<\/li>\n<\/ol>\n<p>\uc5d4\uc2a4\ud53c\ub784(Enspiral)\uc740 \ub274\uc9c8\ub79c\ub4dc\uc5d0 \ubcf8\ubd80\ub97c \ub454, \u201c\ube44\uc988\ub2c8\uc2a4\uc640 \ud14c\ud06c\ub180\ub85c\uc9c0\uc758 \ub3c4\uad6c\ub4e4\uc744 \uc0ac\uc6a9\ud558\uc5ec \uae0d\uc815\uc801\uc778 \uc0ac\ud68c\ubcc0\ud654\ub97c \ub9cc\ub4dc\ub294\u201d \uae30\uc5c5\uac00\ub4e4\u00b7\uc804\ubb38\uac00\ub4e4\u00b7\ud574\ucee4\ub4e4\uc758 \ub124\ud2b8\uc6cc\ud06c\uc774\ub2e4. \uc774 \uae30\uc5c5\uc740 \uc18c\ud504\ud2b8\uc6e8\uc5b4 \ud50c\ub7ab\ud3fc\uc744 \uc774\uc6a9\ud558\uc5ec \uc0c8\ub85c\uc6b4 \uc720\ud615\uc758 \uc790\uc6d0\uc758 \uc9d1\ub2e8\uc801 \uc790\uae09(self-provisioning)\uacfc \uae08\uc735\uc744 \uc8fc\uad00\ud560 \uc0c8\ub85c\uc6b4 \uc870\uc9c1\uad6c\uc870\ub97c \ucc3d\ucd9c\ud55c\ub2e4. \uadf8\ub7f0 \ud50c\ub7ab\ud3fc \uac00\uc6b4\ub370 \ud558\ub098\uc778 \u2018my.enspiral\u2019\uc740 \uc5d4\uc2a4\ud53c\ub784 \uc11c\ube44\uc2a4(Enspiral Services)\uc758 \ud504\ub9ac\ub79c\uc11c\uc640 \uacc4\uc57d\uc790 \uc9d1\ub2e8\uc5d0\uac8c \uc790\uc728\uc131\uacfc \uc720\uc5f0\uc131\uc744 \uac00\uc9c4 \u2018\uc6d4\ub4dc \uac00\ub4e0\u2019(walled garden)<sup><a href=\"http:\/\/minamjah.tistory.com\/117?category=452913#footnote_117_8\">[\uac01\uc8fc:8]<\/a><\/sup> \ub0b4\uc5d0\uc11c \ub0b4\ubd80 \uc740\ud589\uc5c5\uc2dc\uc2a4\ud15c\uc758 \uc0ac\uc6a9\uc744 \ud5c8\uc6a9\ud55c\ub2e4. \uc5d4\uc2a4\ud53c\ub784\uc740 \ub610\ud55c \uacf5\ub3d9\uc608\uc0b0(Cobudget) \ud50c\ub7ab\ud3fc\uc744 \uac00\uc9c0\uace0 \uc788\ub294\ub370, \uc774\ub294 \ucc38\uc5ec\uc790\ub4e4\uc774 \uae30\uc5ec\ud55c \uc561\uc218\uc5d0 \ube44\ub840\ud558\uc5ec \uc9d1\ub2e8\uc801 \uc608\uc0b0\ucc45\uc815\uc5d0\uc11c \ub3c8\uc744 \ud560\ub2f9\ud560 \uc218 \uc788\uac8c \ud574\uc900\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<ol start=\"9\">\n<li>\ud611\ub3d9\ud615 \ucd95\uc801\uc744 \uc704\ud55c \uc0c8\ub85c\uc6b4 \uc870\uc9c1\ud615\ud0dc\ub4e4<\/li>\n<\/ol>\n<p>\uba87\uba87 \uc870\uc9c1\ud615\ud0dc\ub4e4\uc740 \u2018\ud611\ub3d9\ud615 \ucd95\uc801\u2019\u2015\uc989 \uc0c1\ud638\uc774\uc775\uc744 \uc704\ud55c \uae08\uc735\uc790\uc6d0\uc758 \uc9d1\ub2e8\uc801 \ucd95\uc801\u2015\uc758 \uc0c8\ub85c\uc6b4 \ud615\ud0dc\ub4e4\uc744 \uc591\uc131\ud558\ub294 \ub370\uc11c \ud070 \uac00\ub2a5\uc131\uc744 \ubcf4\uc5ec\uc8fc\uace0 \uc788\ub2e4. \uadf8 \ub450\ub4dc\ub7ec\uc9c4 \uc0ac\ub840\uac00 \ud2b9\ud788 \uc774\ud0c8\ub9ac\uc544, \uce90\ub098\ub2e4\uc758 \ud018\ubca1, \uadf8\ub9ac\uace0 \ub354 \ucd5c\uadfc\uc5d0\ub294 \ub274\uc695\uc2dc\uc5d0\uc11c \ubc1c\uc804\ub41c(Solidarity NYC) \u2018\uc5f0\ub300(\uf99a\u5e36) \uacbd\uc81c\u2019(solidarity economy)\uc640 \ub2e4\uc911\uc774\ud574\uad00\uacc4\uc790 \ud611\ub3d9\uc870\ud569(multi-stakeholder cooperative) \ubaa8\ub378\uc774\ub2e4. 1990\ub144\ub300 \uc601\uad6d\uc758 \uacf5\uc815\ubb34\uc5ed \uc6b4\ub3d9\uc5d0\uc11c \ubc1c\uc804\ub41c \ud611\ub3d9\uc870\ud569 \uc8fc\uc2dd\uc758 \ubc1c\ud589\uc774 2008\ub144 \uc774\ub798 \ub9e4\uc6b0 \ub2e4\uc591\ud55c \uc9c0\uc5ed \ubc0f \uacf5\ub3d9\uccb4\uc758 \uc695\uad6c\u2015\uc7ac\uc0dd \uac00\ub2a5\ud55c \uc5d0\ub108\uc9c0\uc758 \uac1c\ubc1c, \uc9c0\uc5ed \uc0c1\uc810\ub4e4\uc758 \uad6c\uc81c, \uacf5\ub3d9\uccb4\uc5d0 \uc758\ud55c \uc8fc\uc810 \uad6c\uc785, \uc9c0\uc5ed \uc2dd\ud488\uc0dd\uc0b0\uc744 \uc704\ud55c \ud1a0\uc9c0 \ud68d\ub4dd \ub4f1\uc774 \uc5ec\uae30\uc5d0 \ud3ec\ud568\ub41c\ub2e4\u2015\ub97c \uc704\ud55c \uc790\ubcf8\uc744 \ubaa8\uc73c\uae30 \uc704\ud574 \ubd80\ud65c\ub418\uc5c8\ub2e4. \uce90\ub098\ub2e4\uae4c\uc9c0 \ud655\uc0b0\ub41c \uc601\uad6d\uc758 \uacf5\ub3d9\uccb4 \uc8fc\uc2dd\uc6b4\ub3d9\uc740 \uc5b4\ub5bb\uac8c \ud611\ub3d9\uc870\ud569 \ud615\ud0dc\uc758 \uc790\uae30\uc790\ubcf8(equity capital)\uc774 \uacf5\ud1b5\uc758 \uc695\uad6c\ub97c \ucda9\uc871\uc2dc\ud0a4\uae30 \uc704\ud574 \uc870\ub2ec\ub420 \uc218 \uc788\ub294\uc9c0\ub97c \ubd80\uac01\uc2dc\ucf1c \uc900\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<ol>\n<li>\uc804\uc9c4\uc744 \uc704\ud55c \uc804\ub7b5\ub4e4<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<p>\ucc38\uc5ec\uc790\ub4e4\uc740 \uc804\uc9c4\ud558\uae30 \uc704\ud55c \ud575\uc2ec \uc804\ub7b5\ub4e4 \ub2e4\uc12f\uc744 \uc544\ub798\uc640 \uac19\uc774 \ud655\uc815\ud588\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<ol>\n<li><u>\ud654\ud3d0\ub97c \ubbfc\uc8fc\ud654\ud558\ub77c<\/u>.<\/li>\n<\/ol>\n<p>\ucee4\uba38\ub108\ub4e4\uc740 \ud654\ud3d0\ucc3d\ucd9c\uccb4\uc81c\ub97c \ud3ec\ud68d\ud558\uc5ec \uacf5\uc801 \ubaa9\uc801\uc744 \uc704\ud55c \uac83\uc73c\ub85c \ubc14\uafb8\uace0 \ubd80\ucc44\uc5d0 \uae30\ubc18\uc744 \ub454 \ud654\ud3d0\ub97c \ub300\uccb4\ud574\uc57c \ud55c\ub2e4. \uc544\uc774\uc2ac\ub780\ub4dc \uc815\ubd80\ub294 \uc774 \uc77c\uc744 \ud558\ub294 \ubc95\uc744 \ubcf4\uc5ec\uc8fc\ub294 2015\ub144 \ubcf4\uace0\uc11c\ub97c \ub0b8 \ubc14 \uc788\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<ol start=\"2\">\n<li><u>\ud604\ud589\uc758 \ud654\ud3d0\ub97c \ub118\uc5b4\uc11c\ub77c<\/u>.<\/li>\n<\/ol>\n<p>\ud654\ud3d0\ub294 (\uc7ac\ud654\uc758 \uad6c\ub9e4\ub97c \uc704\ud55c \uac00\uaca9\uc5d0 \uae30\ubc18\uc744 \ub450\uc5b4 \ud569\uc758\ub418\ub294) \ub4f1\uac00\ubb3c\ub4e4\uc758 \uad50\ud658\uc744 \ud544\uc694\ub85c \ud558\ub294 \uc0ac\ud68c\uc801 \uad00\uacc4\ub97c \uc99d\uc9c4\ud558\uace0 \ub3c8\uc774 \uc5c6\ub294 \uc0ac\ub78c\ub4e4\uc744 \ubc30\uc81c\ud558\ub294 \ud589\uc704\ub4e4\uc744 \uc99d\uc9c4\ud558\ub294 \uacbd\ud5a5\uc744 \uac00\uc9c0\ubbc0\ub85c, \ub9ce\uc740 \ucee4\uba38\ub108\ub4e4\uc740 \ucee4\uba3c\uc988\uc758 \uac04\uc811\uc801\uc778 \uc0c1\ud638\uc131\uc744 \uc874\uc911\ud568\uc73c\ub85c\uc368 \u2018\ud654\ud3d0 \ub108\uba38\u2019\ub85c \ub098\uc544\uac00\uace0 \uc2f6\uc5b4 \ud558\uba70, \uacf5\ub3d9\uccb4\uc5d0 \ub354 \ud070 \uc790\uacb0\ub2a5\ub825\uc744 \uc904 \ubc29\ubc95\uc774 \ub420, \uc0c1\uc774\ud55c \ub9e5\ub77d\uc744 \uac00\uc9c4 \uc0c1\uc774\ud55c \uc720\ud615\uc758 \ud654\ud3d0\ub97c \ubc18\uac11\uac8c \ub9de\uc774\ud558\uace0 \uc2f6\uc5b4 \ud55c\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<ol start=\"3\">\n<li><u>\ubbf8\ub798\ub85c \ub3cc\uc544\uac00\ub77c<\/u>. (\uc61b \uac83\uacfc \uc0c8 \uac83\uc758 \ud63c\ud569)<\/li>\n<\/ol>\n<p>\ub178\ub3d9\uc6b4\ub3d9 \ubc0f \uc88c\ud30c \uc815\uce58\uc640 \uc5f0\uad00\ub41c \uc61b \ud611\ub3d9\uc870\ud569 \ubaa8\ub378\ub4e4\uc758 \uc5ed\uc0ac\uc801 \uacbd\ud5d8\ub4e4\uacfc \uc9c0\ud61c\uac00 \uc80a\uc740 \uc138\ub300\ub4e4\uc774 \ubc1c\uc804\uc2dc\ud0a4\uace0 \uc788\ub294 \ub514\uc9c0\ud138 \ud14c\ud06c\ub180\ub85c\uc9c0\uc5d0 \uae30\ubc18\uc744 \ub454 \uc0c8\ub85c\uc6b4 \ubaa8\ub378\ub4e4\uacfc \ud63c\ud569\ub418\uc5b4\uc57c \ud55c\ub2e4. JAK \uc218\uc218\ub8cc \uae30\ubc18 \uc740\ud589<sup><a href=\"http:\/\/minamjah.tistory.com\/117?category=452913#footnote_117_9\">[\uac01\uc8fc:9]<\/a><\/sup>, \u2018\uc74c\uc758 \uc774\uc790\u2019(negative interest)\uac00 \uc801\uc6a9\ub418\ub294 \uac10\uac00(\u6e1b\u50f9)\ud654\ud3d0(demurrage currency), \ub300\uacf5\ud669 \uc2dc\uae30\uc5d0 \uc9c0\uc5ed \uacbd\uc81c\ub97c \ucd09\ubc1c\ud558\uae30 \uc704\ud574\uc11c \uac1c\ubc1c\ud55c WIR \ud1b5\ud654 \uac19\uc740, \uc2dc\uac04\uc758 \uac80\uc99d\uc744 \ubc1b\uc740 \ub9ce\uc740 \ubaa8\ub378\ub4e4\uc774 \ud654\ud3d0\ud615\ud0dc\ub97c \ud601\uc2e0\ud558\ub294 \ub370 \uc601\uac10\uc744 \uc8fc\uace0 \uc788\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<ol start=\"4\">\n<li><u>\ud611\ub3d9\ud615 \ucd95\uc801\uc744 \uc704\ud55c \uc2dc\uc2a4\ud15c\uc744 \uc124\uacc4\ud558\ub77c<\/u><u>.<\/u><\/li>\n<\/ol>\n<p>\u2018\ud611\ub3d9\ud615 \ucd95\uc801\u2019\u2015\uc989 \uc0c1\ud638\uc801\uc73c\ub85c \uc0ac\uc6a9\ub418\uace0 \ubbfc\uc8fc\uc801\uc73c\ub85c \uad00\ub9ac\u00b7\uac00\ub3d9\ub418\uc5b4 \uacf5\ud1b5\uc758 \ubd80\ub97c \ucc3d\ucd9c\ud558\ub294 \uc790\ubcf8 \ud615\ud0dc\ub4e4\uc744 \ubc1c\uc804\uc2dc\ud0a4\uace0 \uc720\uc9c0\ud560 \uc218 \uc788\ub294 \uae08\uc735\uc608\ube44\uae08\uc774\ub098 \uc790\uc0b0\uc744 \ucd95\uc801\ud558\ub294 \uac83\u2015\uc744 \uac00\ub2a5\ud558\uac8c \ud560 \ub2a5\ub825\uc744 \uac00\uc9c4 \uc0c8\ub85c\uc6b4 \uc870\uc9c1 \ud615\ud0dc\ub4e4\uc744 (\ub2e8\uc9c0 \uae08\uc735\uc81c\ub3c4\ub9cc\uc774 \uc544\ub2c8\ub2e4) \uace0\uc548\ud558\ub294 \uac83\uc774 \ud544\uc218\uc801\uc774\ub2e4. \uc774\ud0c8\ub9ac\uc544, \ud018\ubca1, \uc77c\ubcf8 \ub4f1\uc9c0\uc758 \ub2e4\uc911\uc774\ud574\uad00\uacc4\uc790 \ud611\ub3d9\uc870\ud569\ub4e4\uc740 \ucee4\uba38\ub108\ub4e4, \ud611\ub3d9\ud558\ub294 \uc0ac\ub78c\ub4e4, \uadf8\ub9ac\uace0 \uc9c0\uc18d \uac00\ub2a5\ud55c \uacf5\ub3d9\uccb4 \ubc1c\uc804\uc744 \uc704\ud574 \uacf5\uc0dd(\u5171\u751f)\uc801 \ubc95\uc801 \uad6c\uc870\ub4e4\uc744 \ubc1c\uc804\uc2dc\ud0a4\ub294 \ubc29\ubc95\uc5d0 \uad00\ud55c \uac00\uc774\ub4dc\ub97c \uc81c\uacf5\ud560 \uc218 \uc788\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<ol start=\"5\">\n<li><u>\uc0c8\ub85c\uc6b4 \ud654\ud3d0\uccb4\uc81c\ub97c \ucee4\uba3c\uc988\ub85c \uad6c\uc0c1\ud558\ub294 \uac70\uc2dc\uc801 \uc9c0\ub3c4\ub97c \uadf8\ub824\ub77c<\/u><u>.<\/u><\/li>\n<\/ol>\n<p>\uc6b0\ub9ac\ub294 \uc0ac\ub78c\ub4e4\uc758 \uc77c\uc0c1\uc801 \uc695\uad6c\ub97c \ucda9\uc871\uc2dc\ud0a4\ub294 \u2018\uc2e4\ubb3c \uacbd\uc81c\u2019\uc640 \uae30\uc0dd\uc801 \u2018\uc790\uc0b0\uc18c\ub4dd-\uae08\uc735\u2019\uc774 \uc9c0\ubc30\ud558\ub294 \u2018\ube44\uc2e4\ubb3c \uacbd\uc81c\u2019\ub97c \uad6c\ubd84\ud574\uc57c \ud55c\ub2e4. \ucee4\uba3c\uc988 \uae30\ubc18\uc758 \uc2e0\uc6a9 \ubc0f \uae08\uc735 \uccb4\uc81c\uc758 \uc9c0\ub3c4\ub97c \uac70\uc2dc\uc801\uc73c\ub85c \uadf8\ub9ac\ub294 \uac83\uc774 \uc0c8\ub85c\uc6b4 \uacbd\uc81c\ub97c \uad6c\uc870\uc9d3\uace0 \uc791\ub3d9 \uac00\ub2a5\ud558\uac8c \ub9cc\ub4dc\ub294 \uad00\uacc4\ub4e4\uc744 \uadf8\ub824\ubcf4\ub294 \uac83\uc744 \ub3c4\uc6b8 \uc218 \uc788\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>\ub2e4\uc74c \ub2e8\uacc4\ub4e4<\/p>\n<p>&nbsp;<\/p>\n<p>\uc704\uc758 \ubaa9\ud45c\ub97c \ub118\uc5b4\uc11c \ub354 \ub098\uc544\uac00\uae30 \uc704\ud55c \uba87\uba87\uc758 \ud2b9\uc218\ud55c \ud589\ub3d9\uc870\uce58\ub4e4\uc774 \ud655\uc815\ub418\uc5c8\ub2e4. \uc5ec\uae30\uc5d0\ub294 \ub2e4\uc74c\uc758 \uac83\ub4e4\uc774 \ud3ec\ud568\ub41c\ub2e4 : \uc774\ub860\uc801\u00b7\uac1c\ub150\uc801 \uc5f0\uad6c, \uc815\ucc45\uac1c\ubc1c\uacfc \ud655\ub300, \uae08\uc735 \ubc0f \ucee4\uba3c\uc988\uc5d0 \ub300\ud55c \ub354 \ud48d\ubd80\ud558\uace0 \uad11\ubc94\ud55c \ub2f4\ub860\uc758 \uac1c\ubc1c, \ud611\ub3d9\uacfc \ud589\ub3d9\uc8fc\uc758\ub97c \uc704\ud55c \uc0c8\ub85c\uc6b4 \uc7a5(\u5834)\uc758 \ucc3d\ucd9c, \uc0c8\ub85c\uc6b4 \ud1b5\ud654\ub4e4\uc5d0 \ub300\ud55c \uc2e4\ud5d8\uc758 \uc2ec\ud654, \ud504\ub85c\uc81d\ud2b8 \uac1c\ubc1c\uacfc \ucee4\uba3c\uc988 \uc81c\ub3c4\ub4e4\uc744 \uc704\ud55c \ud380\ub529. \uc989\uac01\uc801\uc778 \uc81c\uc548 \ud558\ub098\ub294 \ub098\ub77c\ub97c \ud669\ud3d0\ud654\ud558\ub294 \uc0ac\ud68c\uc801\u00b7\uacbd\uc81c\uc801 \uc704\uae30\uc5d0 \ub300\ud55c \ud6a8\uacfc\uc801\uc778 \ub300\uc751\ubc95\uc744 \uac1c\ubc1c\ud574\ub0b4\ub824\uace0 \ubab8\ubd80\ub9bc\uce58\ub294 \uc2dc\ub9ac\uc790\uc640 \uadf8\ub9ac\uc2a4 \ubbfc\uc911\uc5d0\uac8c \uc870\uc5b8\uc744 \ud574\uc8fc\uace0 \uc9c0\uc6d0\ud558\uc790\ub294 \uac83\uc774\uc5c8\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>\uacb0\ub860<\/p>\n<p>&nbsp;<\/p>\n<p>\u2018\uc2ec\uce35 \uc7a0\uc218\u2019 \ud1a0\ub860\uc740 \ucee4\uba3c\uc988 \uae30\ubc18\uc758 \ud654\ud3d0\uccb4\uc81c\uc640 \ubbfc\uc8fc\uc801\uc774\uace0 \uacf5\ud3c9\ud55c \uc6d0\uce59\uc5d0 \uae30\ubc18\uc744 \ub454 \uc790\ubcf8\uc774 \uc804\uc801\uc73c\ub85c \uac00\ub2a5\ud568\uc744 \ubcf4\uc5ec\uc8fc\uc5c8\ub2e4. \ub9ce\uc740 \uae30\uc874\uc758 \ud639\uc740 \uc0c8\ub85c \ucd9c\ud604\ud558\ub294 \ubaa8\ub378\ub4e4\uc774 \uc9c0\ubc30\uc801\uc778 \ubd80\ucc44 \ubc0f \uc774\uc790 \uccb4\uc81c\ub97c \uadf9\ubcf5\ud560 \uc218 \uc788\uc73c\uba70 \uc6b0\ub9ac \uc0ac\ud68c\uac00 \ud544\uc694\ub85c \ud558\ub294 \ubcc0\ud615\uc744 \uac00\uc838\uc62c \uc218 \uc788\ub294 \uac83\uc774\uc5c8\ub2e4. \uc5b4\ub824\uc6c0\uc740, \uadf8\ud1a0\ub85d \ub9ce\uc740 \ubcf5\uc7a1\ud558\uace0 \uac89\ubcf4\uae30\uc5d0 \ubd84\ub9ac\ub41c \uce21\uba74\ub4e4\uc744 \uac00\uc9c4 \uccb4\uc81c \ub0b4\uc5d0\uc11c \ubfcc\ub9ac\uc640 \uac00\uc9c0\uac00 \ubaa8\ub450 \ubc14\ub00c\ub294 \uadfc\ubcf8\uc801\uc778 \ubcc0\ud654\uc640 \uc774\ud589 \uc81c\ub3c4\ub4e4\uc758 \ucc3d\ucd9c\uc744 \uc2e4\uc81c\ub85c \ub2ec\uc131\ud558\ub294 \ub370 \uc788\ub2e4. \ud604\uc7ac\uc758 \uccb4\uc81c\ub97c \ubcc0\ud615\ud558\uc5ec \uadf8\uac83\uc744 \uc218\uc6a9\uc801\uc774\uace0 \ubbfc\uc8fc\uc801\uc73c\ub85c \ucc45\uc784\uac10\uc774 \uc788\uc73c\uba70 \uc0ac\ud68c\uc801\uc73c\ub85c \uac74\uc124\uc801\uc774\uace0 \uc0dd\ud0dc\uc5d0 \uc88b\uc740 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294 \uac83\uc73c\ub85c \ub9cc\ub4dc\ub294 \uac83\uc740 \uc2e4\uc81c\uc801\uc73c\ub85c\ub098 \uc804\ub7b5\uc801\uc73c\ub85c\ub098 \uc5b4\ub824\uc6b4 \uac83\uc774\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>\uadf8\ub7ec\ub098 \uc774 \ud1a0\ub860\uc73c\ub85c\ubd80\ud130 \ub9c8\ucc2c\uac00\uc9c0\ub85c \ubd84\uba85\ud574\uc9c4 \uac83\uc740, \ub9ce\uc740 \uc120\ud0dd\ud56d\ub4e4\uc774 \uc788\uc73c\uba70 \uc774\ub294 \uc591\uc790\ud0dd\uc77c\uc801\uc778 \uc120\ud0dd\uc774 \uc544\ub2c8\ub77c \uacf5\uc874 \uac00\ub2a5\ud55c \uacfc\uc81c\ub4e4\ub85c \uac04\uc8fc\ub418\uc5b4\uc57c \ud55c\ub2e4\ub294 \uc810\uc774\ub2e4. \uc6b0\ub9ac\ub294 \uc774\uc790 \uc5c6\ub294 \ud654\ud3d0, \ubd80\ucc44\uc5d0 \uae30\ubc18\uc744 \ub450\uc9c0 \uc54a\ub294 \uacf5\uacf5\ubd80\ubb38 \ud654\ud3d0, \uc5ec\ub7ec \uacf5\uc801\u00b7\uc0ac\ud68c\uc801\u00b7\ud611\ub3d9\uc801 \uc740\ud589\uc5c5 \ud615\ud0dc\ub4e4\uc758 \ub9ce\uc740 \uc5ed\uc0ac\uc801 \uc0ac\ub840\ub4e4 \ubc0f \ud604\ud589\uc758 \uc0ac\ub840\ub4e4\ub85c\ubd80\ud130 \uc601\uac10\uacfc \uc9c0\uce68\uc744 \uc5bb\uc744 \uc218 \uc788\ub2e4. \uc774 \ud601\uc2e0\ub4e4 \uac01\uac01\uc740 \uc11c\ub85c \ub2e4\ub978 \uc695\uad6c\uc640 \uae30\ub2a5\uc5d0 \ubcf5\ubb34\ud55c\ub2e4. \uadf8\ub7ec\ub098 \ubaa8\ub450\uac00 \uc11c\ub85c \ubcf4\uc644\uc801\uc774\uba70, \ucee4\uba38\ub108\ub4e4\uacfc \uadf8 \uacf5\ub3d9\uccb4\ub4e4\uc5d0 \uacf5\ud3c9\ud55c \uc790\ubcf8 \ubc0f \uae30\ud0c0 \uc724\ub9ac\uc801\uc774\uace0 \uc720\uc6a9\ud55c \uae08\uc735\uc11c\ube44\uc2a4\ub4e4\uc744 \uc81c\uacf5\ud560 \uc218 \uc788\ub294 \uacf5\uc0dd\uc801 \ud654\ud3d0\uccb4\uc81c\ub85c \ud1b5\ud569\ub420 \uc218 \uc788\ub2e4. \uc624\ub298\ub0a0 \uac00\ub2a5\ud55c \uc120\ud0dd\ud56d\ub4e4\uc744 \ubc1c\uc804\uc2dc\ud0a4\ub294 \ub370\uc11c \uba85\ubc31\ud558\uac8c \uc874\uc7ac\ud558\ub294 \ubb38\uc81c\ub294 \uae30\uc874\uc758 \uac1c\ud601 \uae30\ud68d\ub4e4\uc774 \ubfd4\ubfd4\uc774 \ud769\uc5b4\uc838 \uc788\uace0 \uc57d\ud558\uac8c \uc870\uc9c1\ub418\uc5b4 \uc788\ub2e4\ub294 \uc810\uc774\ub2e4. \ubbfc\uc8fc\uc801\uc778 \ub3d9\uc2dc\uc5d0 \uc9c0\uc18d \uac00\ub2a5\ud558\uace0 \uc778\uac04\uc801\uc778 \ud615\ud0dc\uc758 \ubc1c\uc804\uc5d0 \ubc14\uccd0\uc9c0\ub294 \ud654\ud3d0\uac1c\ud601\uc6b4\ub3d9\uc5d0 \ud65c\uae30\uc640 \ud1b5\uc77c\uc131\uc744 \ubd80\uc5ec\ud560 \uacf5\uc720\ub41c \uba54\ud0c0\ub0b4\ub7ec\ud2f0\ube0c\uac00 \uc544\uc9c1\uc740 \uc5c6\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>\ucee4\uba3c\uc988\uc758 \uc6d0\uce59\uacfc \uc2e4\uc81c\ub294 \ubcc0\ud654\ub97c \uc704\ud55c \uc5ed\ub3d9\uc801\uc774\uace0 \ud1b5\ud569\ub41c \uacfc\uc81c\ub97c \uc218\ub9bd\ud558\ub294 \uac83\uc744 \ub3c4\uc6b8 \uc218 \uc788\uc73c\uba70, \ub9ce\uc740 \ud2bc\uc2e4\ud55c \ub3c4\uad6c\ub4e4\uacfc \uc815\ucc45 \uc81c\uc548\ub4e4\uc744 \ud65c\uc6a9\ud560 \uc218 \uc788\ub2e4. \ud1b5\uc77c\uc131\uc744 \ubd80\uc5ec\ud558\ub294 \ub0b4\ub7ec\ud2f0\ube0c \ub610\ud55c \ubb34\ucc45\uc784\ud55c \ubbfc\uc601\uc740\ud589\ub4e4\uc774 \uac00\uc9c4, \ud5c8\uacf5\uc5d0\uc11c \ubd80\ucc44 \uae30\ubc18\uc758 \ud654\ud3d0\ub97c \ucc3d\ucd9c\ud558\ub294 \ud798\uc5d0 \uc800\ud56d\ud558\uace0 \uadf8\uc5d0 \ub300\ud55c \ub300\uc548\uc744 \uc81c\uc2dc\ud558\ub294 \ub370 \ud544\uc218\uc801\uc774\ub2e4. \uad6d\uac00\uc640 \uad6d\ubbfc\uc740 \uc740\ud589\uac00\ub4e4\ub85c\ubd80\ud130 \uc774 \uc8fc\uad8c\uc801 \ud798\uc744 \ub418\ucc3e\uc744 \ud544\uc694\uac00 \uc788\ub2e4. \ud611\ub3d9\uc801\uc774\uace0 \ubbfc\uc8fc\uc801\uc73c\ub85c \ucc45\uc784\uac10\uc774 \uc788\ub294 \ud615\ud0dc\uc758 \uc870\uc9c1\ub4e4\uc774 \uacf5\ud1b5\uc758 \uc774\uc775\uc5d0 \ubcf5\ubb34\ud558\ub294 \uc2e4\ucc9c\ub4e4\uc744 \ubcf4\ud638\u00b7\uc720\uc9c0\ud558\uace0 \ud30c\uc218(\u628a\u5b88)\ud560 \uc218 \uc788\ub294 \uac00\ub2a5\ud55c \ub300\uc548\uc801 \uc0ac\ud68c\uad6c\uc870\ub97c \uc81c\uacf5\ud560 \uc218 \uc788\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>\uadf8\ub7ec\ub098 \uc774\ub7ec\ud55c \ubcc0\ud654\ub4e4\uc744 \uc131\ucde8\ud558\uae30 \uc704\ud574\uc11c\ub294 \uad6d\ubbfc\ub4e4\uc758 \uc5c4\uccad\ub09c \uc555\ub825\ud589\uc0ac\uac00 \ud544\uc694\ud558\ub2e4. \ud654\ud3d0\ub294 \ubbfc\uc8fc\ud654\ub418\uc5b4\uc57c \ud55c\ub2e4. \ubd80\ucc44\uc758 \uad6c\uc18d\uc740 \ud3d0\uc9c0\ub418\uc5b4\uc57c \ud55c\ub2e4. \ud611\ub3d9\uc801 \uae08\uc735, \uc740\ud589\uc5c5, \uadf8\ub9ac\uace0 \uacf5\uc801\uc73c\ub85c \uc0dd\uc131\ub418\ub294 \ud1b5\ud654\uc758 \uc0c8\ub85c\uc6b4 \uccb4\uc81c\ub4e4\uc774 \uc218\ub9bd\ub418\uc5b4\uc57c \ud55c\ub2e4. \uc774\ub7f0 \uc2dd\uc73c\ub85c\ub9cc \ucee4\uba3c\uc988\ub294\u2015\ud2b9\uad8c\uc744 \uac00\uc9c4 \uc18c\uc218\uc758 \uc774\uc775\uc744 \uc704\ud574 \uc885\ud68d\ub418\uace0 \uc218\ud0c8\ub418\ub294 \uac83\uc774 \uc544\ub2c8\ub77c\u2015 \ubcf4\ud638\ub418\uace0 \uc99d\uc9c4\ub418\uba70 \ubaa8\ub450\uc5d0\uac8c \ubcf5\ubb34\ud558\ub294 \uac83\uc774 \ub420 \uc218 \uc788\ub294 \uac83\uc774\ub2e4. \u2663<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li id=\"footnote_117_1\">\u2018Equity crowdfunding\u2019(\uc9c0\ubd84\ud22c\uc790\ud615 \ud06c\ub77c\uc6b0\ub4dc \ud380\ub529)\uacfc \uac19\uc740 \ub9d0\uc774\ub2e4. \u2018equity\u2019(\uc9c0\ubd84)\ub97c \ud06c\ub77c\uc6b0\ub4dc\ud380\ub529 \ubc29\uc2dd\uc73c\ub85c \ud22c\uc790\uc790\uc5d0\uac8c \uc81c\uacf5\ud558\ub294 \uac83\uc774\ub2e4.<\/li>\n<li id=\"footnote_117_2\">\uc6d4\uae09\uc744 \uae30\ubc18\uc73c\ub85c \ud55c \uc18c\uc561\uc758 \ub300\ucd9c\uc744 \uac00\ub9ac\ud0a8\ub2e4.<\/li>\n<li id=\"footnote_117_3\">\uc870\ud3d0\uacf5\uc0ac\uc5d0\uc11c \uc9c0\ud3d0\ub97c \ucc0d\uc5b4\ub0b4\uae30 \ub54c\ubb38\uc5d0 \ud654\ud3d0\ub97c \uc870\ud3d0\uacf5\uc0ac\uc5d0\uc11c \ub9cc\ub4e0\ub2e4\uace0 \uc0dd\uac01\ud558\ub294 \uc0ac\ub78c\ub4e4\ub3c4 \uc788\uc744 \uc218 \uc788\ub2e4. \uc9c0\ud3d0\ub294 \uac1c\ub150\uc0c1\uc73c\ub85c \ud654\ud3d0\uac00 \uc544\ub2c8\ub77c \ud654\ud3d0\uac00 \uc874\uc7ac\ud558\ub294 \ud55c \uc591\ud0dc\uc774\ub2e4. \uc740\ud589\uc5d0\uc11c \ub204\uad70\uac00\uc5d0\uac8c \ub300\ucd9c\uc744 \ud560 \ub54c, \ub300\ucd9c\uc790\uc758 \uc800\uae08\ud1b5\uc7a5\uc5d0 \ucc0d\ud788\ub294 \ub300\ucd9c\uae08\ub9cc\ud07c \uc740\ud589\uc740 \ud654\ud3d0\ub97c \ub9cc\ub4e4\uc5b4\ub0b8 \uac83\uc774 \ub41c\ub2e4. \ub300\ucd9c\uc790\ub294 \uc774 \ud654\ud3d0\ub97c \uc9c0\ud3d0\ub85c \uad50\ud658\ud560 \uc218\ub3c4 \uc788\uace0 \ub2e4\ub978 \uacc4\uc88c\ub85c \uc774\uccb4\ud560 \uc218\ub3c4 \uc788\ub2e4.<\/li>\n<li id=\"footnote_117_4\">\u2018rentier\u2019(\uc790\uc0b0\uc18c\ub4dd\uc790)\ub294 \uc601\uc5b4 \uc704\ud0a4\ud53c\ub514\uc544\ub294 \u201c\ud2b9\ud5c8, \uc800\uc791\uad8c, \uc774\uc790 \ub4f1\uc5d0\uc11c \ud30c\uc0dd\ub418\ub294 \uc18c\ub4dd\uc744 \ubc1b\ub294 \uc0ac\ub78c \ud639\uc740 \ubc95\uc778\u201d(a person or entity receiving income derived from patents, copyrights, interest, etc)\uc774\ub77c\uace0 \uc124\uba85\ud558\uace0 \uc625\uc2a4\ud37c\ub4dc \uc0ac\uc804\uc740 \u201c\uc7ac\uc0b0\uc774\ub098 \ud22c\uc790\ub85c\ubd80\ud130 \uc18c\ub4dd\uc744 \ub04c\uc5b4\ub0b4\ub294 \uc0ac\ub78c\u201d( A person who derives his or her income from property or investment)\uc774\ub77c\uace0 \uc124\uba85\ud55c\ub2e4. \uc5b4\ub5bb\ub4e0 \uc0dd\uc0b0\uc5d0 \uc9c1\uc811 \ucc38\uac00\ud558\ub294 \uae30\uc5c5\uac00 \uc720\ud615\uc758 \uc790\ubcf8\uac00\ub294 \uc5ec\uae30\uc5d0\uc11c \ubc30\uc81c\ub41c\ub2e4.\u00a0<\/li>\n<li id=\"footnote_117_5\">\uc6f9\uc744 \uac80\uc0c9\ud574\ubcf4\ub2c8 \u2018\uc9c0\uc5ed\uac1c\ubc1c \uae08\uc735\uae30\uad00\u2019, \u2018\uc9c0\uc5ed\uc0ac\ud68c\ubc1c\uc804 \uae08\uc735\uae30\uad00\u2019, \u2018\ucee4\ubba4\ub2c8\ud2f0\uac1c\ubc1c \uae08\uc735\uae30\uad00\u2019 \ub4f1 \uc5ec\ub7ec \uac00\uc9c0\uac00 \ubc88\uc5ed\uc5b4\ub85c \uc4f0\uc774\uace0 \uc788\ub2e4(\ub744\uc5b4\uc4f0\uae30\ub294 \uace0\ub824\uc5d0\uc11c \ubc30\uc81c\ud558\uace0). \ub098\ub294 \uae38\uc774\ub97c \uc880 \uc904\uc774\uace0 \u2018\uac1c\ubc1c\u2019\uc774 \uc8fc\ub294 \uc5b4\uac10\uc774 \uc2eb\uc5b4\uc11c \u2018\ubc1c\uc804\u2019\uc744 \ud0dd\ud588\ub2e4.<\/li>\n<li id=\"footnote_117_6\">\u2018St. Lawrence Seaway\u2019\ub294 \uce90\ub098\ub2e4\uc640 \ubbf8\uad6d\uc5d0\uc11c \ubc14\ub2e4\ub97c \uc624\uac00\ub294 \ubc30\ub4e4\uc774 \uc624\ub300\ud638\uc5d0 \uc811\uadfc\ud560 \uc218 \uc788\ub3c4\ub85d \ud558\ub294 \uac11\ubb38, \uc6b4\ud558, \uc218\ub85c\ub4e4\ub85c \uc774\ub8e8\uc5b4\uc9c4 \uc2dc\uc2a4\ud15c\uc774\ub2e4. \u2018\uc384\uc778\ud2b8 \ub85c\ub80c\uc2a4\u2019\ub294 \uc628\ud0c0\ub9ac\uc624 \ud638\uc218\uc5d0\uc11c \ub300\uc11c\uc591\uc73c\ub85c \ud758\ub7ec\ub4e4\uc5b4\uac00\ub294 \uac15\uc758 \uc774\ub984\uc774\ub2e4.<\/li>\n<li id=\"footnote_117_7\">LETS : \uc9c0\uc5ed\uad50\uc5ed\uc2dc\uc2a4\ud15c(local exchange trading system)\uc740 \uc9c0\uc5ed \uc8fc\ub3c4\ub85c \ubbfc\uc8fc\uc801\uc73c\ub85c \uc870\uc9c1\ub41c \ube44\uc601\ub9ac \uacf5\ub3d9\uccb4 \uae30\uc5c5\uc774\ub2e4. \uacf5\ub3d9\uccb4 \uc815\ubcf4\uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\uba70 \uc9c0\uc5ed\uc5d0\uc11c \ub9cc\ub4e4\uc5b4\ub0b8 \ud1b5\ud654\ub97c \uc0ac\uc6a9\ud558\uc5ec \uc7ac\ud654 \ubc0f \uc11c\ube44\uc2a4 \uac70\ub798\ub97c \uae30\ub85d\ud55c\ub2e4. (Wikipedia)<\/li>\n<li id=\"footnote_117_8\">\uc774\ub294 \ud074\ub85c\uc988\ub4dc \ud50c\ub7ab\ud3fc(closed platform)\uc758 \ub2e4\ub978 \uc774\ub984\uc774\ub2e4.<\/li>\n<li id=\"footnote_117_9\">\uc2a4\uc6e8\ub374\uc758 \ud611\ub3d9\uc870\ud569\ud615 \uc740\ud589\uc774\ub2e4. \u2018JAK\u2019\uc740 \uace0\uc804 \uacbd\uc81c\ud559\uc5d0\uc11c \uc138 \uac1c\uc758 \uc0dd\uc0b0\uc694\uc778\uc778 \ud1a0\uc9c0, \ub178\ub3d9, \uc790\ubcf8\uc744 \uc758\ubbf8\ud558\ub294 \uc2a4\uc6e8\ub374\uc5b4 \u2018Jord Arbete Kapital\u2019\uc758 \uc55e \uc790\ub97c \ub534 \uac83\uc774\ub2e4. \uad00\ub9ac \ubc0f \uac1c\ubc1c \ube44\uc6a9\uc740 \ud68c\ube44\uc640 \ub300\uc5ec \uc218\uc218\ub8cc\ub85c \uc9c0\ubd88\ud55c\ub2e4.<\/li>\n<\/ul>\n<p><span class=\"imageblock\"><img loading=\"lazy\" src=\"http:\/\/cfile7.uf.tistory.com\/image\/2717F24757231CDF0C6408\" width=\"400\" height=\"300\" \/><\/span><\/p>\n<p>&nbsp;<\/p>\n<div class=\"pdfprnt-buttons pdfprnt-buttons-post pdfprnt-bottom-right\"><a href=\"http:\/\/commonstrans.net\/index.php?rest_route=%2Fwp%2Fv2%2Fposts%2F559&print=pdf\" class=\"pdfprnt-button pdfprnt-button-pdf\" target=\"_blank\"><img src=\"http:\/\/commonstrans.net\/wp-content\/plugins\/pdf-print\/images\/pdf.png\" alt=\"image_pdf\" title=\"View PDF\" \/><\/a><a href=\"http:\/\/commonstrans.net\/index.php?rest_route=%2Fwp%2Fv2%2Fposts%2F559&print=print\" class=\"pdfprnt-button pdfprnt-button-print\" target=\"_blank\"><img src=\"http:\/\/commonstrans.net\/wp-content\/plugins\/pdf-print\/images\/print.png\" alt=\"image_print\" title=\"Print Content\" \/><\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>* \uc544\ub798\ub294 \ub370\uc774\ube57 \ubcfc\ub9ac\uc5b4\uc758 \ube14\ub85c\uadf8\uc758 2016\ub144 1\uc6d4 15\uc77c \uac8c\uc2dc\uae00 \u201cDemocratic Money and Capital for the Commons\u201d\ub97c \uc6b0\ub9ac\ub9d0\ub85c \uc62e\uae34 \uac83\uc774\ub2e4. \ub370\uc774\ube57 \ubcfc\ub9ac\uc5b4\uc758 \ube14\ub85c\uadf8\uc758 \uae00\ub4e4\uc740 \ubcc4\ub3c4\uc758 \ud45c\uc2dc\uac00 \uc5c6\ub294 \ud55c Creative Commons Attribution 3.0 License\uac00 \uc801\uc6a9\ub41c\ub2e4. \uc77c\ubc18\uc801\uc778 \uae08\uc735 \uc6a9\uc5b4\ub098 \uc0c8\ub85c\uc6b4 \uae08\uc735\uc81c\ub3c4 \ubc0f \uae30\uad00\uc744 \uc9c0\uce6d\ud558\ub294 \uc6a9\uc5b4\ub294 \uc804\ubb38\uc801\uc73c\ub85c \uc0ac\uc6a9\ub418\ub294 \uac83\uacfc \ub2e4\ub974\uac8c \uc62e\uaca8\uc84c\uc744 \uc218 \uc788\ub2e4. &nbsp; 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