¢º Á¾·ù : ÇмúÁö (KCI µîÀç ÇмúÁö)¢º Âü°í¹®Çå : °ÁÖ¼º,¾ç¼¼Á¤(2017) ÀºÅð ±â°£¿¡ µû¸¥ °¡°è°æÁ¦±¸Á¶ ºÐ¼®, Financial Planning Review, 10(4), pp. 35-65.