2003쓪10퓂뗚17뻭뗚5웚ꆡꆡꆡꆡꆡꆡꆡꆡꆡꆡꆡꆡ뮪ꆡ뚫ꆡ뺭ꆡ볃ꆡ맜ꆡ샭EastCꆡꆡꆡhinaEconomicManagemꆡꆡꆡꆡꆡꆡꆡꆡꆡOct.,,싗샭:틸탐뺭펪횮탂맛뗣풬볎펱(짏몣뚫뮪듳톧ꆡ맜샭톧풺,짏몣ꆡ200051)[햪튪]싗샭뺭펪뗄샭쓮틑풽살풽쫜떽웳튵뿆톧맜샭퇐뺿뗄훘쫓ꆣ퓚틸탐뺺헹ꆰ냗죈뮯ꆱ뗄뷱쳬,틸탐뗄싗샭뺭펪뛔캬뮤틸탐쏻폾ꆢ컼틽맋뿍뫍튻쇷죋닅,놣돖뺺헹폅쫆훁맘훘튪ꆣ놾컄듓뮨웬틸탐쫕럑뻀럗낸쯹틽돶뗄훐틸탐폻뛔킡뛮뒢뮧쫕럑뗄컊쳢햹뾪,틔틸탐싗샭뺭펪캪쫓뷇첽쳖럖컶컊쳢횢뷡쯹퓚늢룸돶튻뚨뗄붨틩ꆣ[맘볼듊]싗샭뺭펪;쫕럑;킡뛮뒢뮧;훐틸탐[훐춼럖샠뫅]F271ꆡꆡꆡ[컄쿗뇪쪶싫]Aꆡꆡꆡ[컄헂뇠뫅]1007ꆪ5097(2003)03ꆪ0088ꆪ03Ethics:thenewconceptinconductofbankingbusinessYUANJia2yin(CollegeofManagement,UniversityofEastChina,Shanghai200051,China)Abstract:,bankingethicsplaysacriticalroleinmaintainingthereputation,,:ethicalmanagement;charge;smallsavingaccount;Chinesebankingꆡꆡ2002쓪4퓂,짏몣쫐튻캻컢쿈짺떽뮨웬틸탐웖컷럖탐ힼ벴웁뇎킡ꆢ즢뗄뗍훊뿍뮧,컼쓉폅훊뿍뮧,듓뛸붵뗍럾컱뫍놸붫800쏀풪듦죫룃탐,놻룦횮랲듦뿮ퟜ뛮뗍폚5000쏀풪맜샭돉놾,쳡룟틸탐킧틦ꆣ좻뛸,헢늢늻쓜릹돉훐틸탐쿲뗄뿍뮧,쎿퓂탨뷉쓉6쏀풪믲50풪죋쏱뇒뗄샭닆럾컱럑ꆣ킡뛮뒢뮧쫕럑뗄돤럖샭평ꆣ놾컄붫쇭뇙뺶,듓틸탐싗샭뺭컢쿈짺죏캪헢훖ퟶ램쫇뛔킡뒢뮧뗄웧쫓,튲쫇램싉쯹늻퓊탭펪뷇뛈돶랢,첽쳖훐틸탐쿲킡뛮뒢뮧쫕럑뗄뿉탐탔늢룸돶뗄쿞훆쿻럑탐캪,뻝듋쿲웖뚫탂쟸죋쏱램풺ힴ룦뮨웬틸탐,튻킩붨틩ꆣ튪쟳램풺에쇮뮨웬틸탐엢샱뗀잸늢엢뎥34풪뗄슷럑쯰쪧ꆣ6(튻)틸탐뺭펪싗샭퓂,뺭맽튻뎡뺫닊뗄뇧싛,쮫랽ퟮ훕춬틢뗷뷢ꆣ뻍헢튻쫂볾폐죋죏캪뛔킡뒢뮧듦뿮쫇럱쫕럑,뒿듢쫇튻룶뺭볃컊쳢놾짭뛸퇔,뛔웤움쫶틑뺭컞뛠듳틢틥ꆣ컊쳢뗄맘볼쫇놬돶뮨틖믲쮵쫇룶쿻럑컊쳢,뛸쟒쫇짌튵틸탐펦쿭폐뗄뺭펪ퟔ훷웬틸탐뛔듦뿮5000쏀풪틔쿂뒢뮧쫕럑뗄탂컅뫳,쫜ꆰ맺볊좨,ퟮ뫃평쫐뎡ꆰ춶욱ꆱ살뷢뻶ꆣ죧맻죋쏇냑짌튵틸탐떱돉맟샽ꆱ뗄맄샸,훐틸탐쿲킡뛮뒢뮧쫕럑뗄쿫램뾪쪼ퟟ짏잰뒿짌튵뮯뺭펪뗄뷰죚웳튵,뻍펦룃퓊탭웤ퟶ돶튻킩ퟮ믹놾뗄첨,틽웰쇋짧믡뗄맣랺맘힢ꆣ짌튵탐캪ꆣ뛸뇊헟좴죏캪짌튵틸탐쫕럑늻쫇튻룶볲떥뗄뺭펪평듋,틸탐쫕럑뗄헢튻닣놡즴퓚늻뺭틢볤평췢틸탐튻닣쏦뗄컊쳢,룼쫇튻룶뺭펪싗샭컊쳢,웤훐냼몬ퟅ럡뢻뗄짮뺭쳴웆뫳,퓧틑풾풾폻쫔뗄훐틸탐쫕럑뇣튻랢늻뿉쫕쪰,닣듎몬틥ꆣ듳폐뫳살뻓짏횮쫆ꆣ2002쓪7퓂훐톮,퇫탐늵믘맺쓚늿럖틸싗샭뺭펪잿뗷틸탐뗄짧믡탔,틸탐늻퓙떥뒿ퟷ캪샻죳훷탐쿲훐맺죋쏱틸탐뫍맺볒랢햹볆뮮캯풱믡쳡돶뗄쓢쿲냙풪틔쳥돶쿖,뛸쫇튻룶쓢죋뮯뗄짧믡ퟩ횯,웤탐캪룼뛠펦듓짧믡쿂듦뿮뿍뮧쫕좡럾컱럑뗄짪쟫,늢틑쏷좷엺뢴:훐틸탐뷇뛈뾼싇,퓚럻뫏짧믡싗샭컄뮯튪쟳뗄잰쳡쿂뷸탐뺭펪맜ꆰ내맺볊맟샽뛔훐킡뒢뮧쫕럑럾컱ꆱ캥랴컒맺ꆶ짌튵틸탐샭ꆣ램ꆷ,늻뿉탐ꆣ틸탐뗄싗샭뺭펪튪쳥쿖죧쿂쳘헷:쯤좻헢뎡쓖뗃럐럐퇯퇯뗄훐틸탐쿲킡뛮뒢뮧쫕럑횮헹쫗쿈,틸탐튪쫷솢ꆰ캪짧믡뛸듦퓚ꆱ뗄볛횵맛ꆣ놻퇫탐벰쪱훆횹,떫쫇훐틸탐폻쿲킡뛮뒢뮧쫕럑뗄풸췻좴뎤웚틔살,틸탐뺭펪튻쟐틔샻죳캪훐탄,ퟮ맘탄뗄쫇ꆰ듦듻쪼훕쎻폐럅웺ꆣ틸탐쿲킡뒢뮧쫕럑뗄샭평쫇뗷헻뿍뮧뷡릹,뿮솿ꆱꆢꆰ샻죳싊ꆱ뫍ꆰ뺺헹ꆱ뗈,뺡뿉쓜뗘쪹폃튻쟐폐킧쫖[쫕룥죕웚]ꆡ2003ꆪ5ꆪ16[ퟷ헟볲뷩]ꆡ풬볎펱(1978ꆪ),얮,쮶쪿퇐뺿짺,퇐뺿랽쿲:틸탐맜샭ꆢ웳튵펪쿺ꆣꆪ88ꆪ
뛎ꆢ랽램뷸탐뺭펪맜샭,뎣컞쫓믲쟡쫓짧믡탔뫍죋탔,짧믡짨뗣ꆢ퓶볓죋풱ꆢ삩듳맦쒣ꆣ튻뛎쪱볤틔살,맺쓚틸탐냑뾪튲쓜릻룸폨틸탐뺭펪헟뗄럇뗀뗂뺭펪탐캪쒳훖돌뛈뗄쇂뷢ꆣ뮧쫽솿ퟷ캪쫐뎡뾪췘햽싔뗄훷튪쒿뇪,룼폐짵헟뷶뷶냑뾪뮧떫떱뷱뗄쪱듺틑랢햹떽쇋뺭볃맺볊뮯뫍웳튵좫쟲뮯뗄탂쪱쫽솿ퟷ캪뫢솿틸탐뺭펪벨킧뗄횸뇪ꆣ탭뛠틸탐퓚ힷ쟳뾪뮧쫽듺ꆣ탂쪱듺튪쟳웳튵죏쪶떽ퟔ짭뗄듦퓚쫇튻훖짧믡퓰죎,웤솿쪱욲뾪쫐뎡,닉좡쇋훷튪틀뾿뻉쳥훆틲쯘뗄냬램ꆣ죧튻랽뺭펪뇘탫냑뛔짧믡뗄릱쿗ퟷ캪뺭펪볛횵맛뗄잰쳡쳵볾ꆣ틲쏦춨맽탐헾탔훷맜늿쏅뷸탐횸뚨붻틗,떼훂틸탐룶죋헊뮧뗄듋,퓚싗샭뺭펪쪱듺,샻죳횻쓜랴펳틸탐뛔짧믡릱쿗뗄믘놨릦쓜퇏훘럖룮ꆣ쇭튻랽쏦뇜뾪훕뛋뿍뮧뗄ퟔ풸톡퓱,뷸탐돌뛈,늻쓜퓙ퟷ캪틸탐듦퓚뗄캨튻뇪ힼ,틸탐펦듓뛔짧믡뗄ꆰ떥캻ꆱ냼냬벯쳥뾪뮧ꆣ틸탐퓚뾪췘쫐뎡쪱,늢쎻폐퓚쮵럾릱쿗뷇뛈좥톰쟳듦퓚뗄샭평,듓뛸뫏샭뗘뒦샭틸탐폫뿍뮧ꆢ헦헽뗄붻틗뛔쿳짏쿂릦럲ꆣ뛸쫇죆뾪룶죋헊뮧뗄훷죋,듳ퟟ틸탐폫짧믡뗄맘쾵늢돉캪듙뷸틸탐뎤풶랢햹뗄훷튪뚯솦ꆣ헒ꆰ볒뎤ꆱ냼냬뗄ꆰ뷝뺶ꆱ,쮵럾떥캻캪횰릤뾪벯쳥헊뮧ꆣ웤듎,퓚뗀뗂퓰죎랽쏦,싗샭뺭펪튪쟳퓚틸탐뫜뛠떥캻늻횻놻쮵럾맽튻듎,뫜뛠죋틲듋뻍폐쇋뛠룶듓살늻듓쫂믮뚯쪱폃뗄헊뮧ꆣ룶죋헊뮧돉쇋늢럇룶죋톡퓱뗄헊뮧,듳솿틬탐좡,퓚볦맋믱뗃뺭볃샻틦뗄춬쪱튪싄탐뗀뗂퓰죎,뛸늻쫇돶폚쟷샻뇜몦뗄쒿뗄닅ퟱ쫘짧믡싗듦뻍뇘좻믡랢짺ꆣ샭맦랶평듋,볲떥뗄컼뒢듳햽뫍췸뗣삩헅떼훂쇋맦쒣늻뺭볃ꆣ,튪냑ퟱ쫘짧믡싗샭맦랶뾴돉쫇뺡솿좥듓쫂볈럻뫏틸탐펯샻튪쟳폖쓜듸살뷏룟뺭볃킧틦뗄탐캪ꆣ죧뷱,틸탐좴쳡돶캪헻뫏풴뛸ꆰ쫕럑ꆱ,뻍쿠떱폚죃룶죋틸탐펦룃쟥돾뗘죏쪶떽튻쪱뗄믱샻늢늻듺뇭웤뻟놸뎤뻃뗄뺺뒢뮧캪틸탐ퟔ벺뗄쫐뎡햽싔쪧컳ꆰ싲떥ꆱ,캪틸탐헻뫏헊뮧헹솦풴뗄럇뺭볃엤훃ힴ뿶횧뢶듺볛,헢튲쫇럇뎣늻릫욽뗄ꆣ뿶,폈웤퓚볓죫WTO뫳,헢훖늻붲뺭펪싗샭뗄탐캪떽춷살헦헽쫜쯰뗄횻쓜쫇틸탐ퟔ짭ꆣ21쫀볍쫇샭탔쫀볍,랴펳퓚쟒듳솿킡뛮헊뮧듦퓚뗄풭틲늢럇쫇컒맺뻓쏱뗄볒춥믲룶죋뷰틸탐뺭펪짏죚닺듦솿쮮욽첫뗍,믲헟뗍쫕죫좺쳥첫듳ꆣ컒맺쒿잰룶죋,뻍쫇잿뗷틸탐뫍짧믡뗄헻쳥뫍킳,싗샭뺭펪붫늻퓙쫇튻뻤뗀뗂쮵뷌,뛸쫇튻룶쪵쪵퓚퓚뗄탐뚯ꆣ늻훘쫓싗킡뛮헊뮧맽뛉엲헍쫇틸탐ퟔ짭쫐뎡뾪췘햽싔뗄믬싒퓬돉뗄ꆣ헢훖뾿쫽솿좡쪤뗄듖럅쪽뺭펪쮼쿫쿔좻믡폫샭탔쫕럑랢짺쎬샭뺭펪뗄틸탐붫쓑틔솢ퟣ,틲캪늻뷶뿍뮧믡뗖훆웤늻뗀뗂뗄뛜,쫇폫틸탐싗샭뺭펪쿠캥놳뗄ꆣퟶ램,웤쯻틸탐튲늻믡폫웤뫏ퟷꆣ퓚짧믡헻쳥폫쳥쾵엤훃랽쏦,퓚싗샭뺭펪훐뫢솿틸탐뻶2ꆢ죫쫀닎폫뺺헹뗄뎤풶킧틦폫벱릦뷼샻탐캪횮닟ꆢ탐캪뗄뛔폫듭ꆢ뫃폫뮵,볈튪듓룶쳥뗄틸탐뷇뛈뾴,폖쎬뛜튪듓헻쳥뗄짧믡뷇뛈뾴ꆣ틸탐뺭펪늻퓙쫇떥뒿뗄틸탐탐캪죧잰컄쯹쫶,틸탐싗샭뺭펪힢훘뎤풶킧틦ꆣ틸탐쫕럑쫇,뛸쫇짧믡탐캪뗄튻늿럖,쫇짧믡헻쳥퓚틸탐훐뗄랴펦ꆣ틸탐뛔돉놾뢶돶뗄늹뎥,쳬뺭뗘틥;닮뇰럾컱룼쫇볓죫쫀쎳ퟩ횯뺭펪헟퓚뷸탐뺭펪맜샭쪱,늻뷶튪맘힢틸탐쒿뇪뗄쪵쿖,뛸뫳틸탐펪쿺쯹잿뗷뗄훘뗣,컞뿉뫱럇ꆣ쏦뛔죫쫀맺췢뺺헹뛔쟒튪맘힢짧믡쒿뇪뗄쪵쿖,늻럻뫏짧믡헻쳥샻틦뗄뺭펪탐쫖뗄쳴햽,맺쓚틸탐럗럗뻙웰쇋ꆰ틔럾컱ꆢ틔탅폾좡쪤ꆱ뗄캪웬ퟓ,좻뛸훐틸탐쫔춼춨맽쫕좡맜샭럑뗄랽램,훰늽쟥돽,벴쪹뛔틸탐폐샻,튲늻펦돉캪톡퓱뗄뛔쿳ꆣ퓚쳥쾵엤훃훐,틸탐폐내헕믹놾쒣쪽튪쟳,늢룹뻝ퟔ짭뗄쳘뗣뷸탐뿆톧횻쓜룸틸탐듸살뢺샻죳뗄킡뒢뮧뗄탐캪좴늻쏢폐뗣벱릦뷼샻뫏샭뗄엤훃뗄캶뗀ꆣ,웤훐ퟮ훘튪뗄쫇냑헻쳥ퟛ뫏쳥쾵럅퓚쫗캻,뛸늻쫇쇽춳뗘냑쒳튻룶쾵춳럅퓚쫗캻ꆣ웈늻벰듽뗘쿲킡뛮뒢뮧쫕럑ꆢ웁뇎튻늿럖킡뿍뮧틑뺭돉ퟜ횮캪맺폐틸탐뗄튻훖뺭펪뻶닟좡쿲,쫢늻횪훐틸탐뿉쓜냑솿,틸탐싗샭뺭펪쳘뇰잿뗷틸탐뺭펪맜샭튪ퟰ훘뛔랽,쳘뇰쫇ퟰ훘틸탐샻틦뗄쿠맘헟ꆣ뒦샭뫃폫샻틦쿠맘헟뗄듳쏦맣뗄킡뿍뮧떱돉쇋ퟔ벺뗄뢺떣ꆣ떫듓훐맺맺쟩쮵,듓볓맘쾵ꆢ쪵탐맘쾵맜샭ꆢ샻틦쿠맘헟맜샭ꆣ튻쪱뗄ꆰ튰싹ꆱ맜죫쫀쎳뫳훐췢틸탐뗄뺺헹룱뻖뾴,킡뒢뮧뫜뿉쓜쫇훐샭뿉쓜믡믱뗃퓝쪱뗄샻틦믘놨,떫뻶늻믡뎤뻃ꆣ틸탐뗄폅쫆쯹퓚,뛸늻쫇튻훖탨튪틸탐뺡틥컱뗄뢺떣ꆣ룹뻝틸탐싗샭뺭펪뗄헢킩쳘뗣,쿂컄붫럖컶훐틸탐뛔헽퓚뺭샺쫐뎡뺭볃쳥훆룄룯뗄훐맺뺭볃붫펵폐튻뛎쿠떱킡뛮뒢뮧쫕럑헢튻쫂볾폫틸탐싗샭뺭펪샭쓮쿠쎬뛜횮뒦ꆣ뎤뗄룟쯙퓶뎤웚,맣듳뻓쏱뗄쫕죫튲붫뎤웚놣돖룟쯙퓶뎤쫆춷,뷱쳬뗄킡뒢뮧,뿉쓜뻍쫇쏷쳬뗄듳뿍뮧,뛸쟒탭뛠킡헋(뛾)훐틸탐벱폚쫕럑폫틸탐싗샭뺭펪뗄쎬뛜뮧뗄뮧훷춬쪱튲쫇듳뒢뮧ꆣ퓚킡뒢뮧뾴살,틸탐뛔킡뛮뒢뮧쯹퓚쫕럑,쫂쪵짏쫇틢춼붫킡뛮뒢뮧업돽퓚럾컱랶캧횮췢,쫇뛔1ꆢ쫕럑룄룯뗄샭탔뮯폫듖럅뺭펪횮쎬뛜짌튵틸탐램뚨틥컱뗄쳓뇜,튲쫇뛔짧믡릫훚뗄쟖좨ꆣ틸탐ퟷ캪쫐뎡뺭볃쳵볾쿂틔펪샻캪쒿뗄뗄웳튵,틔ힷ쟳틲듋,쒿잰컒맺틸탐쏦쇙뗄쫗튪컊쳢늻쫇쫕늻쫕럑,뛸펯샻캪벺죎,뛔쯹쳡릩뗄뷰죚닺욷쫕럑놾컞뿉뫱럇,뛔럾컱쫇엠폽쫐뎡ꆢ컈뚨뿍뮧ꆣ죧맻퓚쳵볾짐캴돉쫬뗄쪱뫲뻍웈늻쫕럑쫇쳥쿖틸탐쫐뎡뮯뺭펪뗄훘튪튻뮷,튲쫇틸탐뗄짺듦탨벰듽뾪쪼쫕럑,뫜폐뿉쓜럑쫕떽뗄늻뛠,뒢뮧좴쪧좥쇋늻튪ꆣ듋췢,쫐뎡뺭볃쫇튻훖틔쫐뎡엤훃풴뗄뺭볃,볈좻틸짙,랴뛸캪췢틸탐쯍듳솿뿍뮧ꆣ헢컞틉붫뢶돶ퟔ붵짌폾탐쳡릩뗄럾컱쫇폐쿞뗄,틸탐뻍폐좨솦춨맽폅뮯ퟔ벺뗄욷훖뗄듺볛,뫜뿉쓜틢캶ퟅ쿖쪵쫐뎡뫍캴살쫐뎡뗄뚪쪧,뛸늻샻뷡릹ꆢ폅뮯톡퓱ퟔ벺뗄럾컱뛔쿳ꆢ폅뮯엤훃ퟔ벺뗄풴살룄폚죫쫀뫳틸탐뗄뎤풶뺺헹ꆣ짆ퟔ벺뗄뺭펪ힴ뿶ꆣ3ꆢ뛔킡뛮뒢뮧쫕럑늻샻폚뷰죚훈탲뗄컈뚨좻뛸,틸탐쫕럑룄룯ퟝ좻뫏샭,떫뾼싇떽틸탐쪵쪩쫐뎡맺췢랢듯맺볒뗄뷰죚쫐뎡틑랢폽뗃뷏캪돉쫬,춨맽쫐뎡햽싔쪱쯹닉좡뗄듖럅뺭펪쒣쪽,늻쏢죃죋쿫떽틸탐뺭펪뗄늻쾸럖,틸탐췪좫뿉틔룹뻝늻춬뗄뿍뮧,쳡릩늻춬닣듎뗄럾싗샭탐캪ꆣ컱ꆣ뛸맺쓚틸탐뗄랢햹샺쪷뛌,뒢탮쫇컒맺틸탐랢햹뗄믹훚쯹훜횪,쿖듺짌튵틸탐뺺헹뗄닒쇒돌뛈늢늻퇇폚웤쯻뒡,쟒틸탐폫뿍뮧볤뗄맘쾵뫜늻컈뚨ꆣ늻짙훐뷰죚믺릹쾲닺튵,뛠쓪살붵뗍돉놾ꆢ쳡룟샻죳ꆢ컈뚨뿍풴튻횱쫇삧죅틸뮶엊뇈췢틸탐,죏캪췢틸탐쫕럑,ퟔ벺튲펦룃쫕ꆣ헢훖탐튵뺭펪뗄벸듳쓑쳢,뛸틸탐톰쟳춻웆뗄춾뺶폖췹췹쫇워첯맛쓮짏듦퓚뗄컊쳢,붫믡듸살뿉엂뗄뫳맻ꆣꆪ89ꆪ
틲캪쒿잰훐맺뷰죚ퟩ횯쳥쾵뮹늻췪짆,웤믹놾믺릹죔좻뗚튻,쳡룟틸탐럾컱훊솿쫇쫗튪죎컱ꆣ죧맻훐쫇쯄듳맺폐틸탐뒦폚슢뛏뗘캻,뛠닣듎뛠풪뮯뷰죚믺릹랢햹틸탐튪쳡룟쏅볷ꆢ쪵탐쫕럑,뇘좻믡뻜뻸튻듳엺뿍뮧,틲듋훍뫳,볓짏짧믡닆뢻햼폐뷡릹뗄ꆰ뛾냋ꆱ뚨쪽,죧맻쎤쒿킧횻폐잿뮯룟훊솿럾컱뫍룶탔뮯닺욷닅폐뿉쓜컼틽룟뛋뿍뮧살럂뛔킡뛮듦뿮헊뮧쫕좡맜샭럑,뻍컞틬폚냑80%뗄킡뛮뒢뮧뗖늹쯰쪧,퓚헢튻뗣짏훐틸탐퓚뛌웚쓚뮹ퟶ늻떽ꆣ쎳좻돶뻜횮쏅췢,좴폖쎻폐럖쇷좥쿲,헢퇹,뻍뿉쓜믡돶쿖ꆰ룟샻첨쫕럑헾닟,횻쓜쯰쪧뿍뮧풴뛸컞램웰떽컼틽폅훊뿍뮧뗄듻ꆱ뫍ꆰ뗘쿂뷰죚ꆱ,뛔컈뚨뷰죚훈탲벫캪늻샻ꆣퟷ폃ꆣ틲듋,쫕럑놾짭늻펦룃돉캪짌튵틸탐뗄쫕죫살풴,뛸쫂쪵짏,컒맺뮹쫇룶뷰쪮럖쾡좱뗄맺볒,내쒿잰뗄샍펦떱쫇폅뮯짌튵틸탐뫍뿍뮧탐캪뗄튻훖벤샸믺훆,벤샸훐뚯솦죋뻹놾볆쯣,죴캬돖쿖폐뗄뻍튵싊,붫살뗄놾좱뿚틸탐붫쳡룟틸탐럾컱훊솿ퟷ캪ퟔ벺짺듦뗄뇘튪쳵볾ꆣ톹솦뫜듳ꆣ쿖퓚,웳튵ꆢ헾뢮믺맘쫇뷰돠ퟖ늿쏅,뷼킩퓚컷랽짌튵틸탐럾컱쫕럑뚨볛닟싔훐,폐튻훖틔탨쟳캪쓪,헢킩뷰좱뿚뗄듳늿럖쫇평뻓쏱듦뿮쳮늹뗄ꆣ쯹틔,듓떼쿲뗄뚨볛랽램,쫇틔맋뿍뛔뷰죚닺욷믲럾컱뗄죏횪볛횵ퟷ뫪맛짏살뾴,킡뛮뒢뮧뗄듦뿮뛔폚맺쏱뺭볃랢햹뫍뷰죚훈탲캪뚨볛뗄틀뻝,탨튪냑컕뿍뮧쯹믱볛횵뗄릹돉ꆣ뿍뮧쯹믱볛뗄컈뚨죔좻뫜폐틢틥ꆣ횵쫇뿍뮧믱뗃뗄뷰죚닺욷믲럾컱뗄ퟜ볛횵폫뿍뮧뢶돶뗄럇믵평짏뿉횪,듓틸탐뗄듖럅뺭펪쯹떼훂뗄킡뛮뒢뮧헊뮧랺뇒ퟜ돉놾횮볤뗄닮뻠ꆣퟜ볛횵쫇횸맋뿍릺싲쒳튻쳘뚨뷰죚닺샄ꆢ틸탐웈쟐쟽훰킡뛮뒢뮧쯹떼훂틸탐뎤풶랢햹틔벰쒳훖돌욷믲럾컱쯹믱뗃뗄좫늿샻틦,쯼냼삨닺욷볛횵ꆢ럾컱볛횵ꆢ뛈짏웆뮵뷰죚훈탲뗄뷇뛈뿉틔뾴돶,쒿잰벱폚쿲킡뛮뒢뮧쫕죋풱볛횵뫍탎쿳볛횵ꆣ뿍뮧럇믵뇒돉놾쫇횸맋뿍캪릺싲뷰죚럑쫇늻럻뫏틸탐싗샭뺭펪뗄맦퓲뗄,훐틸탐펦뷷짷뒦샭ꆣ닺욷믲럾컱쯹뫄럑뗄쪱볤ꆢ뺫솦뗈럇믵뇒탔돉놾ꆣ떫늢늻틢캶ퟅ틸탐쫕좡럾컱맜샭럑뻍폀풶늻쓜쪵쪩,뇊헟죏퓚뿍뮧쯹믱볛횵뗄릹돉훐,럾컱볛횵틲쯘쫇맘볼ꆣ죧맻캪횻튪쳵볾돉쫬,틸탐쿲뒢뮧쫕럑늻뷶쓜캪틸탐퓶볓샻죳,틸탐쯹쳡릩뗄럾컱늻쓜캪뿍뮧듸살폫쯹쫕좡뗄럑폃쿠욥엤,뛸쟒뻍틸탐싗샭뺭펪뛸퇔튲쫇뫏쟩뫏샭뗄ꆣ쓇쎴벱폚쿲뒢뮧쫕럑횻믡쪹훐틸탐쪧좥룼뛠뗄샻죳살풴ꆣ(죽)맘폚훐틸탐킡뛮뒢뮧쫕럑뗄쳵볾ힼ놸뫍폫췢틸탐쿠뇈,훐틸탐퓚럾컱짏폐뫜듳닮뻠,쫕좡럾컱뿉탐탔붨틩럑쓑틔죃죋탄럾뿚럾ꆣ폫듋춬쪱,틸탐놧풹킡뛮헋뮧햼폃맘폚뷰죚믺릹쿲뿍뮧쫕럑뗄컊쳢,퓚맺췢퓋ퟷ뗃뇈뷏돉뷰ꆢ뫄럑죋솦,뿉뒢뮧쏇좴뻵뗃풩췷,늢랴펳뫃뛠킡뛮듦헛쫬,뛔컒맺틸탐뷧뻟폐튻뚨뗄뷨본틢틥ꆣ퓚맺췢,뷰죚믺릹뾨쫇냬샭룷훖붻럑튵컱쪱첯랢뗄ꆣ뛔폚훐틸탐뛸퇔,튪쎴쳡릩룷훖럾컱쫕럑뮹쫇늻쫕럑ꆢ뛔쪲쎴쫕럑틔벰닉좡뫎훖탎캪훘탂뮽믘뷰죚쿻럑헟뛸듳솦룄짆럾컱ꆢ퓶볓럾컱뗄뢽볓쪽쫕럑,뚼폫붻틗만뚨돉놾ꆢ믺믡돉놾ꆢ풴쾡좱돌뛈ꆢ킧횵,튪쎴복쏢쫕럑뇪ힼꆣ폃ퟮ듳뮯쯄룶믹놾뺭볃랶돫폐쏜쟐뗄솪쾵ꆣ뗚뛾,뷰죚럾컱욷훖뗄뛠퇹뮯뫍헋뮧뗄헻뫏쫇1ꆢ폫믺믡돉놾쿠맘ꆣ뛔킡뛮듦뿮쫕좡헊뮧맜샭럑,쪵쿖쫕럑뗄놣헏ꆣ뛔뒢뮧뛸퇔,틸탐쫕럑틢캶ퟅ쮽죋닺뻍쫇냑폐쿞뗄헊뮧풴엤훃떽듦뿮듳뮧짏좥,틔붵뗍붻틗훐맜샭돉놾뗄퓶볓,뷢뻶헢튻컊쳢늢쪵쿖룶죋탅폃풴뗄샛믽뗄믺믡돉놾,듯떽춬퇹쪹폃튻룶헊뮧풴뿉틔믱좡벸놶폚킡뗄랽램횮튻뻍쫇뷸탐헊뮧헻뫏ꆣ틸탐럾컱쫕럑만좻쫆퓚뇘뛮헊뮧뗄쫕틦ꆣ탐,떫컒맺뗄틸탐펦떱쫗쿈쪵쿖룷탐헊뮧뗄릦쓜춳튻,늢쟒2ꆢ폫킧폃ퟮ듳뮯풭퓲쿠맘ꆣ맺췢틸탐뗄뺭퇩춳볆캪룶죋뿍뮧쇴돶헻뫏ퟔ벺헊뮧뗄쪱볤폠뗘ꆣ듋췢,럾컱쫕럑럖컶뇭쏷,20%뗄폅훊듳뿍뮧뒴퓬쇋틸탐80%뗄쫕틦ꆣ뛔킡뮹펦붨솢퓚뿉릩뿍뮧톡퓱뗄벰웤뛠퇹뗄뷰죚럾컱욷훖횮짏ꆣ뛮듦뿮쫕좡헋뮧맜샭럑,뻍쫇컷랽듳틸탐ힷ쟳킧폃ퟮ듳뮯뗄ퟜ횮,쯦ퟅ훐췢틸탐뺺헹뗄볓뻧,룶죋틸탐튵컱붫돉튻훖뺭펪랽쪽ꆣ캪훐틸탐ퟮ뫳뗄룹뻝뗘ꆣ틲듋,퓚볡돖뾪랢듳뿍뮧뗄춬3ꆢ폫틸탐뗄뷰쾡좱돌뛈쿠맘ꆣ퓚뷰돤풣쪱쪱,늻췼볡쫘릫훚뒢탮헳뗘닅쫇훐틸탐뗄샭탔탐캪ꆣ뛔킡,틸탐뻍뿉쓜뛔킡뛮듦뿮헊뮧쫕좡맜샭럑,틔붵뗍믺믡돉놾뛮뒢뮧쫕럑쫇쟷쫆,떫쫇횻폐듽틸탐뗄럾컱훊솿ꆢ럾컱욷훖;쿠랴뗃떽룄짆뫳,퓚짧믡뷰돤ퟣ쪱쿲킡뛮뒢뮧쫕럑닅쫇럻뫏싗,퓚뷰쾡좱뗄쳵볾쿂,틸탐캪ힷ쟳뷰뗄맦쒣킧틦,믱뗃룼뛠뷰,뻍늻뿉쓜믲늻믡뛔킡뛮듦뿮헊뮧쫕좡맜샭샭뺭펪뗄쏷훇횮뻙ꆣ럑ꆣ[닎뾼컄쿗]4ꆢ폫짧믡뷰ퟜ릩쟳ힴ뿶쿠맘ꆣ퓚짧믡뷰ퟜ탨\[1\]돂놦춥,쇵뷰뮪.뺭볃싗샭톧\[M\].뚫놱닆뺭듳톧쟳듳폚ퟜ릩룸뗄쟩뿶쿂,틸탐ꆰ벢늻퓱쪳ꆱ,늻뿉쓜뛔킡뛮돶냦짧,2001.듦뿮헋뮧쫕좡맜샭럑ꆣ뿉볻뛔듦뿮짨훃ꆰ쏅볷ꆱ,횻쓜닺짺\[2\]탬듳붨.웳튵싗샭톧\[M\].짏몣죋쏱돶냦짧,폚짧믡뷰릩룸돤풣뗄쳵볾쿂ꆣ컷랽맺볒믹놾짏뚼쫇퓚202002.쫀볍60쓪듺닅돶쿖틸탐쫕럑쿖쿳ꆣ\[3\]돂죙튫.웳튵싗샭\[M\].뮪뚫쪦랶듳톧돶냦짧,틔짏쯄룶쳵볾쫇맺췢틸탐뻶뚨쫇럱뷸탐럾컱쫕럑쯹늻뗃2001.늻뾼싇뗄틲쯘,춬퇹튲쫊뫏컒맺뗄짌튵틸탐ꆣ떫뇊헟죏캪믹\[4\]퇮붨펨,쇵뇹,싞횾뢣.21쫀볍틸탐ꆰ싗샭뺭펪ꆱ폚컒맺틸탐폫맺췢틸탐랢햹믹뒡늻춬ꆢ퓋ퟷ랽쪽뗄늻춬뗄쳘\[J\].쿖듺짌튵틸탐,2002,(1):46-47.뗣\[5\].엋펢샶.컷랽짌튵틸탐럾컱쫕럑뚨볛닟싔벰웤퇝,컒맺틸탐폻쿲킡뛮뒢뮧쫕럑룼탨튪듓틔쿂벸룶랽쏦살췪짆쳵볾ꆣ뇤\[J\].쿖듺짌튵틸탐,2002,(10):28-29.[퓰죎뇠벭:뫺춤춤]ꆪ90ꆪ
