연구보고서 22-17 주택 관련 대출의 공공부문 보증현황 및 관리방안 연구

Abstract

Ⅰ. 서론

Ⅱ. 주택 관련 대출에 대한 공공부문 보증현황 1. 보증현황 2. 주요 보증기관 현황 3. 주택 관련 대출에 대한 공공부문 보증의 재정위험 추정 4. 소결

Ⅲ. 주택 관련 대출에 대한 공공부문 보증의 공시현황 1. 우리나라의 공공부문 보증 관련 공시현황 2. 외국의 주택 관련 보증의 공시현황 3. 소결

Ⅳ. 주택 관련 공공부문의 보증 관련 공시제도의 문제점 및 개선방안 1. 국가결산보고서 2. 국가보증채무관리계획

Ⅴ. 결론 및 정책적 시사점 <!--[data-hwpjson]{ "documentPr": { "di": "", "dp": { "dn": "test.hwp", "ta": 1, "d1": 5, "d2": 1, "dv": 0, "dr": 1, "do": 1, "vj": "1.0", "an": "Hancom Office Hangul", "av": "9, 6, 1, 10097", "ao": "WIN", "ab": "32", "ar": "LE", "as": "Windows_Unknown_Version" }, "dis": false, "ds": { "ti": "", "la": "ko", "cr": "", "su": "", "de": "", "cd": "2023-04-26T16:49:49.770Z", "md": "1601-01-01T09:00:00.000Z", "pd": "1601-01-01T09:00:00.000Z", "ke": "" } }, "dh": { "do": { "pa": 1, "fo": 1, "en": 1, "pi": 1, "tb": 1, "eq": 1 }, "fo": [ ], "cd": { "tp": 0, "lc": { "af": false, "ui": false, "fu": false, "dn": false, "ul": false, "el": false, "at": false, "tq": false, "da": false, "dw": false, "dj": false, "bc": false, "bu": false, "al": false, "ab": false, "ap": false, "an": false, "aa": false, "ds": false, "de": false, "as": false, "cp": false, "ao": false, "et": false, "ay": false, "am": false, "a1": false, "bt": false, "av": false, "dh": false, "dp": false, "d1": false, "mf": false, "bl": false, "ag": false, "dg": false, "ae": false, "df": false, "do": false, "dl": false, "di": false, "d2": false, "d3": false, "ob": false, "d4": false, "ev": false, "d5": false, "d6": false, "a2": false, "dc": false } }, "ld": { "pa": "", "pi": true, "fo": false } }, "bf": { "01D97813AE81BC700000043E": { "id": 1, "td": false, "sh": false, "st": 0, "sc": 0, "si": false, "bt": 0, "bi": false, "cl": 0, "bc": false, "lt": 0, "lw": 0, "lc": 0, "rt": 0, "rw": 0, "rc": 0, "tt": 0, "tw": 0, "tc": 0, "bbt": 0, "bbw": 0, "bbc": 0, "dt": 1, "dw": 0, "dc": 0, "fi": { } }, "01D97813AE81BC700000043F": { "id": 2, "td": false, "sh": false, "st": 0, "sc": 0, "si": false, "bt": 0, "bi": false, "cl": 0, "bc": false, "lt": 0, "lw": 0, "lc": 0, "rt": 0, "rw": 0, "rc": 0, "tt": 0, "tw": 0, "tc": 0, "bbt": 0, "bbw": 0, "bbc": 0, "dt": 1, "dw": 0, "dc": 0, "fi": { "wb": { "fc": 4294967295, "hc": 10066329, "al": 0, "hs": -1 } } }, "01D97813AE81BC7000000440": { "id": 3, "td": false, "sh": false, "st": 0, "sc": 0, "si": false, "bt": 0, "bi": false, "cl": 0, "bc": false, "lt": 0, "lw": 0, "lc": 0, "rt": 0, "rw": 0, "rc": 0, "tt": 0, "tw": 0, "tc": 0, "bbt": 0, "bbw": 0, "bbc": 0, "dt": 1, "dw": 0, "dc": 0, "fi": { "wb": { "fc": 4294967295, "hc": 0, "al": 0, "hs": -1 } } }, "01D97813AE81BC7000000441": { "id": 4, "td": false, "sh": false, "st": 0, "sc": 0, "si": false, "bt": 0, "bi": false, "cl": 0, "bc": false, "lt": 0, "lw": 0, "lc": 0, "rt": 0, "rw": 0, "rc": 0, "tt": 0, "tw": 0, "tc": 0, "bbt": 0, "bbw": 0, "bbc": 0, "dt": 1, "dw": 0, "dc": 0, "fi": { "wb": { "fc": 4294967295, "hc": 4278190080, "al": 0, "hs": -1 } } } }, "cp": { "01D97813AE81BC7000000442": { "id": 0, "he": 1000, "tc": 0, "sc": 4294967295, "uf": false, "uk": false, "sm": 0, "bf": "01D97813AE81BC700000043F", "f1": "함초롬바탕", "t1": 1, "f2": "함초롬바탕", "t2": 1, "f3": "함초롬바탕", "t3": 1, "f4": "함초롬바탕", "t4": 1, "f5": "함초롬바탕", "t5": 1, "f6": "함초롬바탕", "t6": 1, "f7": "함초롬바탕", "t7": 1, "r1": 100, "r2": 100, "r3": 100, "r4": 100, "r5": 100, "r6": 100, "r7": 100, "s1": 0, "s2": 0, "s3": 0, "s4": 0, "s5": 0, "s6": 0, "s7": 0, "e1": 100, "e2": 100, "e3": 100, "e4": 100, "e5": 100, "e6": 100, "e7": 100, "o1": 0, "o2": 0, "o3": 0, "o4": 0, "o5": 0, "o6": 0, "o7": 0, "it": false, "bo": false, "ut": 0, "us": 1, "uc": 0, "st": false, "ss": 1, "so": 0, "ot": 0, "ht": 0, "hc": 0, "hx": 0, "hy": 0, "em": false, "en": false, "su": false, "sb": false }, "01D97813AE81BC7000000443": { "id": 1, "he": 1200, "tc": 0, "sc": 4294967295, "uf": false, "uk": false, "sm": 0, "bf": "01D97813AE81BC7000000440", "f1": "돋움", "t1": 1, "f2": "돋움", "t2": 1, "f3": "돋움", "t3": 1, "f4": "돋움", "t4": 1, "f5": "돋움", "t5": 1, "f6": "돋움", "t6": 1, "f7": "돋움", "t7": 1, "r1": 100, "r2": 100, "r3": 100, "r4": 100, "r5": 100, "r6": 100, "r7": 100, "s1": 0, "s2": 0, "s3": 0, "s4": 0, "s5": 0, "s6": 0, "s7": 0, "e1": 100, "e2": 100, "e3": 100, "e4": 100, "e5": 100, "e6": 100, "e7": 100, "o1": 0, "o2": 0, "o3": 0, "o4": 0, "o5": 0, "o6": 0, "o7": 0, "it": false, "bo": false, "ut": 0, "us": 1, "uc": 0, "st": false, "ss": 1, "so": 0, "ot": 0, "ht": 0, "hc": 0, "hx": 0, "hy": 0, "em": false, "en": false, "su": false, "sb": false }, "01D97813AE81BC7000000444": { "id": 2, "he": 1200, "tc": 16711680, "sc": 4294967295, "uf": false, "uk": false, "sm": 0, "bf": "01D97813AE81BC7000000440", "f1": "돋움", "t1": 1, "f2": "돋움", "t2": 1, "f3": "돋움", "t3": 1, "f4": "돋움", "t4": 1, "f5": "돋움", "t5": 1, "f6": "돋움", "t6": 1, "f7": "돋움", "t7": 1, "r1": 100, "r2": 100, "r3": 100, "r4": 100, "r5": 100, "r6": 100, "r7": 100, "s1": 0, "s2": 0, "s3": 0, "s4": 0, "s5": 0, "s6": 0, "s7": 0, "e1": 100, "e2": 100, "e3": 100, "e4": 100, "e5": 100, "e6": 100, "e7": 100, "o1": 0, "o2": 0, "o3": 0, "o4": 0, "o5": 0, "o6": 0, "o7": 0, "it": false, "bo": false, "ut": 0, "us": 1, "uc": 0, "st": false, "ss": 1, "so": 0, "ot": 0, "ht": 0, "hc": 0, "hx": 0, "hy": 0, "em": false, "en": false, "su": false, "sb": false }, "01D97813AE81BC7000000445": { "id": 3, "he": 1050, "tc": 0, "sc": 4294967295, "uf": false, "uk": false, "sm": 0, "bf": "01D97813AE81BC7000000441", "f1": "-윤고딕320", "t1": 5, "f2": "-윤고딕320", "t2": 5, "f3": "-윤고딕320", "t3": 5, "f4": "-윤고딕320", "t4": 5, "f5": "-윤고딕320", "t5": 5, "f6": "-윤고딕320", "t6": 5, "f7": "-윤고딕320", "t7": 5, "r1": 97, "r2": 97, "r3": 97, "r4": 97, "r5": 97, "r6": 97, "r7": 97, "s1": -3, "s2": -3, "s3": -3, "s4": -3, "s5": -3, "s6": -3, "s7": -3, "e1": 100, "e2": 100, "e3": 100, "e4": 100, "e5": 100, "e6": 100, "e7": 100, "o1": 0, "o2": 0, "o3": 0, "o4": 0, "o5": 0, "o6": 0, "o7": 0, "it": false, "bo": false, "ut": 0, "us": 1, "uc": 0, "st": false, "ss": 1, "so": 0, "ot": 0, "ht": 0, "hc": 0, "hx": 0, "hy": 0, "em": false, "en": false, "su": false, "sb": false }, "01D97813AE81BC7000000446": { "id": 4, "he": 950, "tc": 0, "sc": 4294967295, "uf": false, "uk": false, "sm": 0, "bf": "01D97813AE81BC7000000441", "f1": "-윤고딕310", "t1": 5, "f2": "-윤고딕310", "t2": 5, "f3": "-윤고딕310", "t3": 5, "f4": "-윤고딕310", "t4": 5, "f5": "-윤고딕310", "t5": 5, "f6": "-윤고딕310", "t6": 5, "f7": "-윤고딕310", "t7": 5, "r1": 97, "r2": 97, "r3": 97, "r4": 97, "r5": 97, "r6": 97, "r7": 97, "s1": -3, "s2": -3, "s3": -3, "s4": -3, "s5": -3, "s6": -3, "s7": -3, "e1": 100, "e2": 100, "e3": 100, "e4": 100, "e5": 100, "e6": 100, "e7": 100, "o1": 0, "o2": 0, "o3": 0, "o4": 0, "o5": 0, "o6": 0, "o7": 0, "it": false, "bo": false, "ut": 0, "us": 1, "uc": 0, "st": false, "ss": 1, "so": 0, "ot": 0, "ht": 0, "hc": 0, "hx": 0, "hy": 0, "em": false, "en": false, "su": false, "sb": false } }, "tp": { "01D97813AE81BC7000000447": { "id": 0, "al": false, "ar": false, "tp": [ ] }, "01D97813AE81BC7000000448": { "id": 1, "al": false, "ar": false, "tp": [ { "po": 5200, "ty": 0, "le": 0 }, { "po": 85040, "ty": 1, "le": 3 } ] }, "01D97813AE81BC7000000449": { "id": 2, "al": false, "ar": false, "tp": [ { "po": 4200, "ty": 0, "le": 0 }, { "po": 85040, "ty": 1, "le": 3 } ] } }, "nu": { "01D97813AE81BC700000044A": { "id": 1, "sn": 0, "ph": [ { "le": 1, "al": 0, "ui": true, "ai": true, "wa": 0, "tt": 0, "to": 50, "cp": "", "uf": 0, "st": 1, "sf": "^1." }, { "le": 2, "al": 0, "ui": true, "ai": true, "wa": 0, "tt": 0, "to": 50, "cp": "", "uf": 8, "st": 1, "sf": "^2." }, { "le": 3, "al": 0, "ui": true, "ai": true, "wa": 0, "tt": 0, "to": 50, "cp": "", "uf": 0, "st": 1, "sf": "^3)" }, { "le": 4, "al": 0, "ui": true, "ai": true, "wa": 0, "tt": 0, "to": 50, "cp": "", "uf": 8, "st": 1, "sf": "^4)" }, { "le": 5, "al": 0, "ui": true, "ai": true, "wa": 0, "tt": 0, "to": 50, "cp": "", "uf": 0, "st": 1, "sf": "(^5)" }, { "le": 6, "al": 0, "ui": true, "ai": true, "wa": 0, "tt": 0, "to": 50, "cp": "", "uf": 8, "st": 1, "sf": "(^6)" }, { "le": 7, "al": 0, "ui": true, "ai": true, "wa": 0, "tt": 0, "to": 50, "cp": "", "uf": 1, "st": 1, "sf": "^7" } ] } }, "bu": { }, "pp": { "01D97813AE81BC700000044B": { "id": 0, "ah": 0, "av": 0, "ht": 0, "hi": "", "hl": 0, "tp": "01D97813AE81BC7000000447", "kb": 0, "kn": true, "ko": false, "kk": false, "kl": false, "kp": false, "kw": 0, "co": 0, "fl": false, "st": true, "sl": false, "ae": false, "aa": false, "mi": 0, "ml": 0, "mr": 0, "mp": 0, "mn": 0, "lt": 0, "lv": 160, "bf": "01D97813AE81BC700000043F", "bl": 0, "br": 0, "bt": 0, "bb": 0, "bc": false, "bi": false }, "01D97813AE81BC700000044C": { "id": 1, "ah": 0, "av": 0, "ht": 0, "hi": "", "hl": 0, "tp": "01D97813AE81BC7000000447", "kb": 0, "kn": true, "ko": false, "kk": false, "kl": false, "kp": false, "kw": 0, "co": 0, "fl": false, "st": true, "sl": false, "ae": false, "aa": false, "mi": 0, "ml": 0, "mr": 0, "mp": 0, "mn": 0, "lt": 0, "lv": 120, "bf": "01D97813AE81BC7000000440", "bl": 0, "br": 0, "bt": 0, "bb": 0, "bc": false, "bi": false }, "01D97813AE81BC700000044D": { "id": 2, "ah": 1, "av": 0, "ht": 0, "hi": "", "hl": 0, "tp": "01D97813AE81BC7000000449", "kb": 0, "kn": false, "ko": false, "kk": false, "kl": false, "kp": false, "kw": 0, "co": 0, "fl": false, "st": false, "sl": false, "ae": false, "aa": false, "mi": 0, "ml": 1000, "mr": 1000, "mp": 0, "mn": 600, "lt": 1, "lv": 3600, "bf": "01D97813AE81BC700000043F", "bl": 0, "br": 0, "bt": 0, "bb": 0, "bc": false, "bi": false }, "01D97813AE81BC700000044E": { "id": 3, "ah": 1, "av": 0, "ht": 0, "hi": "", "hl": 0, "tp": "01D97813AE81BC7000000448", "kb": 0, "kn": false, "ko": false, "kk": false, "kl": false, "kp": false, "kw": 0, "co": 0, "fl": false, "st": false, "sl": false, "ae": false, "aa": false, "mi": 0, "ml": 3000, "mr": 1000, "mp": 0, "mn": 0, "lt": 1, "lv": 3600, "bf": "01D97813AE81BC700000043F", "bl": 0, "br": 0, "bt": 0, "bb": 0, "bc": false, "bi": false } }, "st": { "01D97813AE81BC700000044F": { "id": 0, "ty": 0, "na": "바탕글", "en": "Normal", "pp": "01D97813AE81BC700000044B", "cp": "01D97813AE81BC7000000442", "ns": "01D97813AE81BC700000044F", "li": 1042, "lf": false } }, "mp": { }, "ro": { "hp": "01D97813AE81BC700000042A", "01D97813AE81BC700000042A": { "np": "01D97813AE81BC700000042B", "id": 0, "pp": "01D97813AE81BC700000044C", "si": "01D97813AE81BC700000044F", "bf": 3, "ru": [ { "cp": "01D97813AE81BC7000000444", "ch": [ { "cc": 2, "ci": 1936024420, "co": "01D97813AE81BC7000000428" } , { "cc": 2, "ci": 1668246628, "co": "01D97813AE81BC7000000429" } , { "t": "Ⅰ. 서론" } ] } ] }, "01D97813AE81BC700000042B": { "np": "01D97813AE81BC700000042C", "id": -2147483648, "pp": "01D97813AE81BC700000044D", "si": "01D97813AE81BC700000044F", "bf": 0, "ru": [ { "cp": "01D97813AE81BC7000000445", "ch": [ { "t": "" } ] } ] }, "01D97813AE81BC700000042C": { "np": "01D97813AE81BC700000042D", "id": -2147483648, "pp": "01D97813AE81BC700000044C", "si": "01D97813AE81BC700000044F", "bf": 0, "ru": [ { "cp": "01D97813AE81BC7000000444", "ch": [ { "t": "Ⅱ. 주택 관련 대출에 대한 공공부문 보증현황" } ] } ] }, "01D97813AE81BC700000042D": { "np": "01D97813AE81BC700000042E", "id": -2147483648, "pp": "01D97813AE81BC700000044C", "si": "01D97813AE81BC700000044F", "bf": 0, "ru": [ { "cp": "01D97813AE81BC7000000443", "ch": [ { "t": "1. 보증현황" } ] } ] }, "01D97813AE81BC700000042E": { "np": "01D97813AE81BC700000042F", "id": -2147483648, "pp": "01D97813AE81BC700000044C", "si": "01D97813AE81BC700000044F", "bf": 0, "ru": [ { "cp": "01D97813AE81BC7000000443", "ch": [ { "t": "2. 주요 보증기관 현황" } ] } ] }, "01D97813AE81BC700000042F": { "np": "01D97813AE81BC7000000430", "id": -2147483648, "pp": "01D97813AE81BC700000044C", "si": "01D97813AE81BC700000044F", "bf": 0, "ru": [ { "cp": "01D97813AE81BC7000000443", "ch": [ { "t": "3. 주택 관련 대출에 대한 공공부문 보증의 재정위험 추정" } ] } ] }, "01D97813AE81BC7000000430": { "np": "01D97813AE81BC7000000431", "id": -2147483648, "pp": "01D97813AE81BC700000044C", "si": "01D97813AE81BC700000044F", "bf": 0, "ru": [ { "cp": "01D97813AE81BC7000000443", "ch": [ { "t": "4. 소결" } ] } ] }, "01D97813AE81BC7000000431": { "np": "01D97813AE81BC7000000432", "id": -2147483648, "pp": "01D97813AE81BC700000044E", "si": "01D97813AE81BC700000044F", "bf": 0, "ru": [ { "cp": "01D97813AE81BC7000000446", "ch": [ { "t": "" } ] } ] }, "01D97813AE81BC7000000432": { "np": "01D97813AE81BC7000000433", "id": -2147483648, "pp": "01D97813AE81BC700000044C", "si": "01D97813AE81BC700000044F", "bf": 0, "ru": [ { "cp": "01D97813AE81BC7000000444", "ch": [ { "t": "Ⅲ. 주택 관련 대출에 대한 공공부문 보증의 공시현황" } ] } ] }, "01D97813AE81BC7000000433": { "np": "01D97813AE81BC7000000434", "id": -2147483648, "pp": "01D97813AE81BC700000044C", "si": "01D97813AE81BC700000044F", "bf": 0, "ru": [ { "cp": "01D97813AE81BC7000000443", "ch": [ { "t": "1. 우리나라의 공공부문 보증 관련 공시현황" } ] } ] }, "01D97813AE81BC7000000434": { "np": "01D97813AE81BC7000000435", "id": -2147483648, "pp": "01D97813AE81BC700000044C", "si": "01D97813AE81BC700000044F", "bf": 0, "ru": [ { "cp": "01D97813AE81BC7000000443", "ch": [ { "t": "2. 외국의 주택 관련 보증의 공시현황" } ] } ] }, "01D97813AE81BC7000000435": { "np": "01D97813AE81BC7000000436", "id": -2147483648, "pp": "01D97813AE81BC700000044C", "si": "01D97813AE81BC700000044F", "bf": 0, "ru": [ { "cp": "01D97813AE81BC7000000443", "ch": [ { "t": "3. 소결" } ] } ] }, "01D97813AE81BC7000000436": { "np": "01D97813AE81BC7000000437", "id": -2147483648, "pp": "01D97813AE81BC700000044E", "si": "01D97813AE81BC700000044F", "bf": 0, "ru": [ { "cp": "01D97813AE81BC7000000446", "ch": [ { "t": "" } ] } ] }, "01D97813AE81BC7000000437": { "np": "01D97813AE81BC7000000438", "id": -2147483648, "pp": "01D97813AE81BC700000044C", "si": "01D97813AE81BC700000044F", "bf": 0, "ru": [ { "cp": "01D97813AE81BC7000000444", "ch": [ { "t": "Ⅳ. 주택 관련 공공부문의 보증 관련 공시제도의 문제점 및 개선방안" } ] } ] }, "01D97813AE81BC7000000438": { "np": "01D97813AE81BC7000000439", "id": -2147483648, "pp": "01D97813AE81BC700000044C", "si": "01D97813AE81BC700000044F", "bf": 0, "ru": [ { "cp": "01D97813AE81BC7000000443", "ch": [ { "t": "1. 국가결산보고서" } ] } ] }, "01D97813AE81BC7000000439": { "np": "01D97813AE81BC700000043A", "id": -2147483648, "pp": "01D97813AE81BC700000044C", "si": "01D97813AE81BC700000044F", "bf": 0, "ru": [ { "cp": "01D97813AE81BC7000000443", "ch": [ { "t": "2. 국가보증채무관리계획" } ] } ] }, "01D97813AE81BC700000043A": { "np": "01D97813AE81BC700000043B", "id": -2147483648, "pp": "01D97813AE81BC700000044E", "si": "01D97813AE81BC700000044F", "bf": 0, "ru": [ { "cp": "01D97813AE81BC7000000446", "ch": [ { "t": "" } ] } ] }, "01D97813AE81BC700000043B": { "np": "01D97813AE81BC700000043C", "id": -2147483648, "pp": "01D97813AE81BC700000044C", "si": "01D97813AE81BC700000044F", "bf": 0, "ru": [ { "cp": "01D97813AE81BC7000000444", "ch": [ { "t": "Ⅴ. 결론 및 정책적 시사점" } ] } ] }, "01D97813AE81BC700000043C": { "np": "01D97813AE81BC700000043D", "id": -2147483648, "pp": "01D97813AE81BC700000044E", "si": "01D97813AE81BC700000044F", "bf": 0, "ru": [ { "cp": "01D97813AE81BC7000000446", "ch": [ { "t": "" } ] } ] }, "01D97813AE81BC700000043D": { "np": "", "id": -2147483648, "pp": "01D97813AE81BC700000044C", "si": "01D97813AE81BC700000044F", "bf": 0, "ru": [ { "cp": "01D97813AE81BC7000000444", "ch": [ { "t": "참고문헌" } ] } ] } }, "sl": { }, "cs": { "01D97813AE81BC7000000428": { "cc": 2, "ci": 1936024420, "td": 0, "tv": false, "sc": 1134, "ts": 8000, "ms": "", "os": "01D97813AE81BC700000044A", "gl": 0, "gc": 0, "gw": false, "ns": 0, "np": 0, "ni": 0, "nt": 0, "ne": 0, "hh": false, "hf": false, "hm": false, "fb": false, "hb": false, "fi": false, "hi": false, "hp": false, "he": false, "sl": false, "lr": 0, "lc": 0, "ld": 0, "ls": 0, "pp": { "ls": false, "wi": 59528, "he": 84188, "gt": 0, "ml": 8504, "mr": 8504, "mt": 5668, "mb": 4252, "mh": 4252, "mf": 4252, "mg": 0 }, "fn": { "at": 0, "au": "", "ap": "", "ac": ")", "as": false, "ll": -1, "lt": 1, "lw": 1, "lc": 0, "sa": 850, "sb": 567, "st": 283 , "nt": 0, "nn": 1, "pp": 0, "pb": false }, "en": { "at": 0, "au": "", "ap": "", "ac": ")", "as": false, "ll": 14692344, "lt": 1, "lw": 1, "lc": 0, "sa": 850, "sb": 567, "st": 0 , "nt": 0, "nn": 1, "pp": 0, "pb": false }, "pb": [ { "ty": 0, "bf": "01D97813AE81BC700000043E", "tb": true, "hi": false, "fi": false, "fa": 0, "ol": 1417, "or": 1417, "ot": 1417, "ob": 1417 }, { "ty": 1, "bf": "01D97813AE81BC700000043E", "tb": true, "hi": false, "fi": false, "fa": 0, "ol": 1417, "or": 1417, "ot": 1417, "ob": 1417 }, { "ty": 2, "bf": "01D97813AE81BC700000043E", "tb": true, "hi": false, "fi": false, "fa": 0, "ol": 1417, "or": 1417, "ot": 1417, "ob": 1417 } ], "mp": [ ] } , "01D97813AE81BC7000000429": { "cc": 2, "ci": 1668246628, "ty": 0, "la": 0, "co": 1, "ss": true, "sg": 0, "lt": 0, "lw": 0, "lc": 0, "cs": [ ] } }, "bi": [ ], "bidt": { } }-->

참고문헌