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<!DOCTYPE html> <html lang="ko"> <head> <meta charset="UTF-8"> <title>한국은행 경제연구원</title> <meta name="viewport" content="width=device-width, initial-scale=1"> <meta http-equiv="X-UA-Compatible" content="IE=edge"> <link href="https://static-cdn.bok.or.kr/static/commons/bok.ico" rel="icon" type="image/x-icon"/> <link href="https://static-cdn.bok.or.kr/static/imer/css/main.css" rel="stylesheet"/> <script src="https://static-cdn.bok.or.kr/static/jslibrary/jquery-3.5.1.min.js"></script> <script src="https://static-cdn.bok.or.kr/static/jslibrary/jquery.cookie.js"></script> <script src="https://static-cdn.bok.or.kr/static/jslibrary/bootstrap/bootstrap.min.js"></script> <script src="https://static-cdn.bok.or.kr/static/portal/js/scrollbar/jquery.mCustomScrollbar.concat.min.js"></script> <script src="https://static-cdn.bok.or.kr/static/jslibrary/typeahead.bundle.js"></script> <!-- <link href="https://static-cdn.bok.or.kr/static/portal/js/scrollbar/jquery.mCustomScrollbar.min.css" 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<script src="https://static-cdn.bok.or.kr/static/jslibrary/bootstrap-datepicker-1.9.0-dist/js/bootstrap-datepicker.min.js"></script> <script src="https://static-cdn.bok.or.kr/static/search/search.js"></script> <!-- header --> <header id="header" class="family"> <div class="globalHeader"> <div class="container"> <ul> <li> <a href="/portal/main/main.do" target="_blank" title="새창열림">한국은행</a> </li> <!-- <li> <a href="/imer/main/main.do" target="_blank" title="새창열림">경제연구원</a> </li> --> <li> <a href="/museum/main/main.do" target="_blank" title="새창열림">화폐박물관</a> </li> <li> <a href="/portal/submain/submain/rgHqt.do?menuNo=200219">지역본부</a> </li> <li> <a href="https://ecos.bok.or.kr" target="_blank" title="새창열림">경제통계시스템(ECOS)</a> </li> <li> <a href="https://snapshot.bok.or.kr" target="_blank" title="새창열림">금융·경제 스냅샷</a> </li> <li> <a href="https://dl.bok.or.kr" target="_blank" title="새창열림">전자도서관</a> </li> <li> <a href="https://archives.bok.or.kr" target="_blank" title="새창열림">디지털아카이브</a> </li> <li> <a href="https://apply.bok.or.kr" target="_blank" title="새창열림">채용</a> </li> </ul> <div class="m-globalHeader"> <div class="site_go"> <button type="button" title="Family site 열기">관련사이트 바로가기</button> <ul> <li> <a href="/portal/main/main.do" target="_blank" title="새창열림">한국은행</a> </li> <li> <a href="/museum/main/main.do" target="_blank" title="새창열림">화폐박물관</a> </li> <li> <a href="/portal/submain/submain/rgHqt.do?menuNo=200219">지역본부</a> </li> <li> <a href="https://ecos.bok.or.kr" target="_blank" title="새창열림">경제통계시스템(ECOS)</a> </li> <li> <a href="https://snapshot.bok.or.kr" target="_blank" title="새창열림">금융·경제 스냅샷</a> </li> <li> <a href="https://dl.bok.or.kr" target="_blank" title="새창열림">전자도서관</a> </li> <li> <a href="https://archives.bok.or.kr" target="_blank" title="새창열림">디지털아카이브</a> </li> <li> <a href="https://apply.bok.or.kr" target="_blank" title="새창열림">채용</a> </li> </ul> </div> </div> <!-- 본인인증 --> <div class="g-info"> <div class="global"> <ul> <li> <a href="/imer/mber/bokMber/forSelfCrtfc.do?menuNo=500857">본인인증</a> </li> <li> <a href="/imerEng/main/main.do" target="_blank" title="새창열림">ENGLISH</a> </li> </ul> </div> </div> </div> </div> <div class="container"> <h1 class="logo"> <a href="/portal/main/main.do"> <span class="logo-portal" role="img" aria-label="한국은행"></span> </a> <a href="/imer/main/main.do"> <span class="logo-imer" role="img" aria-label="경제연구원"></span> </a> </h1> <!-- gnb --> <nav class="gnb" id="gnb"> <ul> <li class="menu01 "> <a href="/imer/singl/empInfo/imerDirector.do?siteSeCd=portal&menuNo=500531" ><span>경제연구원 소개</span></a> <div class="depth2"> <ul> <li> <a href="/imer/singl/empInfo/imerDirector.do?siteSeCd=portal&menuNo=500531" >원장약력</a> </li> <li> <a href="/imer/main/contents.do?menuNo=500526" >연구원 연혁</a> </li> <li> <a href="/imer/singl/empInfo/list.do?siteSeCd=portal&menuNo=500215" >연구원 사람들</a> </li> <li> <a href="/imer/main/contents.do?menuNo=500827" >외부전문가그룹</a> </li> <li> <a href="/imer/main/contents.do?menuNo=500530" >오시는 길</a> </li> </ul> </div> </li> <li class="menu02 "> <a href="/imer/singl/rsrchrData/list.do?menuNo=500216" ><span>연구자료</span></a> <div class="depth2"> <ul> <li> <a href="/imer/singl/rsrchrData/list.do?menuNo=500535" >BOK 경제연구</a> </li> <li> <a href="/imer/singl/rsrchrData/list.do?menuNo=500783" >경제분석</a> </li> <li> <a href="/imer/singl/rsrchrData/list.do?menuNo=500834" >경제전망보고서 심층연구</a> </li> <li> <a href="/imer/singl/rsrchrData/list.do?menuNo=500835" >BOK 이슈노트</a> </li> <li> <a href="/imer/singl/rsrchrData/list.do?menuNo=500836" >최신 해외학술 정보</a> </li> <li> <a href="/imer/singl/rsrchrData/list.do?menuNo=500837" >기타 간행물</a> </li> </ul> </div> </li> <li class="menu03 "> <a href="/imer/bbs/P0000556/list.do?menuNo=500838" ><span>학술지</span></a> <div class="depth2"> <ul> <li> <a href="/imer/bbs/P0000556/list.do?menuNo=500838" >경제분석</a> </li> <li> <a href="/imer/main/contents.do?menuNo=500840" >경제분석 안내</a> </li> </ul> </div> </li> <li class="menu04 "> <a href="/imer/main/contents.do?menuNo=500843" ><span>컨퍼런스</span></a> <div class="depth2"> <ul> <li> <a href="/imer/main/contents.do?menuNo=500843" >BOK 컨퍼런스</a> </li> <li> <a href="/imer/main/contents.do?menuNo=500852" >공동 컨퍼런스</a> </li> </ul> </div> </li> <li class="menu05 "> <a href="/imer/singl/semina/list.do?menuNo=500764" ><span>연구포럼 및 세미나</span></a> <div class="depth2"> <ul> <li> <a href="/imer/singl/semina/list.do?menuNo=500764" >전체자료</a> </li> <li> <a href="/imer/main/contents.do?menuNo=500767" >통화금융연구회</a> </li> <li> <a href="/imer/main/contents.do?menuNo=500768" >금융연구포럼</a> </li> <li> <a href="/imer/main/contents.do?menuNo=500771" >국제경제포럼</a> </li> <li> <a href="/imer/main/contents.do?menuNo=500773" >경제연구포럼</a> </li> <li> <a href="/imer/main/contents.do?menuNo=500775" >미시제도포럼</a> </li> <li> <a href="/imer/main/contents.do?menuNo=500777" >북한금융경제포럼</a> </li> <li> <a href="/imer/main/contents.do?menuNo=500779" >기타 세미나</a> </li> </ul> </div> </li> <li class="menu06 "> <a href="/imer/singl/imerNotice/list.do?menuNo=500831" ><span>공지사항</span></a> </li> </ul> <div class="gnb-btn-wrap"> <!-- 본인인증, 영문페이지 이동--> <div class="m-g-info"> <div class="global"> <ul> <li> <a href="/imer/mber/bokMber/forSelfCrtfc.do?menuNo=500857">본인인증</a> </li> <li> <a href="/eng/main/main.do" target="_blank" title="새창열림">ENGLISH</a> </li> </ul> </div> </div> <button type="button" class="all-nav-toggle" data-toggle="modal" data-backdrop="static" data-target="#totalMenu" title="전체 메뉴 열기"></button> <button type="button" class="search" title="검색레이어 열기"> <i class="ico-srchW"></i> </button> <div class="search_wrap"> <form name="topSearchFrm" id="topSearchFrm" action="/imer/search/search/main.do"> <input type="hidden" name="menuNo" value="500853" /> <div class="search_wrap_input"> <input type="text" class="search_keyword" name="query" id="queryTop" placeholder="검색어를 입력해 주세요." autocomplete="off" maxlength="50" title="검색어"> <button type="button" class="btn_search search" aria-label="검색" onclick="javascript:top_search();"></button> </div> <button type="button" class="search_close" aria-label="검색 닫기"></button> </form> </div> </div> </nav> </div> <!-- 전체메뉴 --> <div class="modal fade total-nav" id="totalMenu" tabindex="-1" role="dialog"> <div class="lpop modal-dialog" role="document"> <div class="set modal-content"> <div class="modal-header"> <div class="container"> <button type="button" class="close" data-dismiss="modal"><i class="ti-close"></i><span class="sr-only">레이어 창닫기</span></button> <h1 class="modal-title" id="modal-label1"> <span class="totalnav-logo"></span>전체메뉴 </h1> <form onsubmit="return false;"> <fieldset> <legend class="sr-only">전체메뉴 검색</legend> <div class="keyword-set"> <span class="keyword"><input type="text" name="searchWrdMenu" id="searchWrdMenu" title="검색어"></span> <button type="button" class="search" onclick="searchMenu();" aria-label="검색"></button> </div> </fieldset> </form> </div> </div> <script> $(document).ready(function(){ $("input[name='searchWrdMenu']").keydown(function (key){ if(key.keyCode == 13){ searchMenu(); } }); }); function searchMenu(){ $('span').removeClass('highlight'); $('.dp2 > li').attr('class', 'dropdown'); $('.dp3 > li').attr('class', 'dropdown'); $('.dp4 > li').attr('class', 'dropdown'); var searchWrd = $('#searchWrdMenu').val(); if(searchWrd.trim() != ""){ for(var i = 0; i <= 4; i++){ $($('.dp' + i).children('li').children('a')).each(function(){ if($(this).text().includes(searchWrd)){ $(this).html(function(_, html){ return html.replace(new RegExp('(' + searchWrd + ')', 'g'), '<span><span class="highlight">$1</span></span>'); }); $(this).parents('li').parents('li').attr('class', 'dropdown on'); }; }); }; } }; function top_search(){ if ($("#queryTop").val()==""){ alert("검색어를 입력하여 주세요."); $("#queryTop").focus(); return; } $("#topSearchFrm").submit(); } </script> <div class="modal-body"> <div class="container"> <ul class="dp1"> <li> <a href="/imer/singl/empInfo/imerDirector.do?siteSeCd=portal&menuNo=500531" ><span>경제연구원 소개</span></a> <a href="javascript:void(0)" class="m-dp1"><span>경제연구원 소개</span></a> <ul class="dp2"> <li> <a href="/imer/singl/empInfo/imerDirector.do?siteSeCd=portal&menuNo=500531" >원장약력</a> </li> <li> <a href="/imer/main/contents.do?menuNo=500526" >연구원 연혁</a> </li> <li> <a href="/imer/singl/empInfo/list.do?siteSeCd=portal&menuNo=500215" >연구원 사람들</a> </li> <li> <a href="/imer/main/contents.do?menuNo=500827" >외부전문가그룹</a> <ul class="dp3"> <li > <a href="/imer/main/contents.do?menuNo=500827"> <span>경제자문 패널</span> </a> </li> <li > <a href="/imer/main/contents.do?menuNo=500828"> <span>해외고문</span> </a> </li> <li > <a href="/imer/main/contents.do?menuNo=500829"> <span>객원연구위원</span> </a> </li> </ul> </li> <li> <a href="/imer/main/contents.do?menuNo=500530" >오시는 길</a> </li> </ul> </li> </ul> <ul class="dp1"> <li> <a href="/imer/singl/rsrchrData/list.do?menuNo=500216" ><span>연구자료</span></a> <a href="javascript:void(0)" class="m-dp1"><span>연구자료</span></a> <ul class="dp2"> <li> <a href="/imer/singl/rsrchrData/list.do?menuNo=500535" >BOK 경제연구</a> </li> <li> <a href="/imer/singl/rsrchrData/list.do?menuNo=500783" >경제분석</a> </li> <li> <a href="/imer/singl/rsrchrData/list.do?menuNo=500834" >경제전망보고서 심층연구</a> </li> <li> <a href="/imer/singl/rsrchrData/list.do?menuNo=500835" >BOK 이슈노트</a> </li> <li> <a href="/imer/singl/rsrchrData/list.do?menuNo=500836" >최신 해외학술 정보</a> </li> <li> <a href="/imer/singl/rsrchrData/list.do?menuNo=500837" >기타 간행물</a> </li> </ul> </li> </ul> <ul class="dp1"> <li> <a href="/imer/bbs/P0000556/list.do?menuNo=500838" ><span>학술지</span></a> <a href="javascript:void(0)" class="m-dp1"><span>학술지</span></a> <ul class="dp2"> <li> <a href="/imer/bbs/P0000556/list.do?menuNo=500838" >경제분석</a> </li> <li> <a href="/imer/main/contents.do?menuNo=500840" >경제분석 안내</a> <ul class="dp3"> <li > <a href="/imer/main/contents.do?menuNo=500840"> <span>소개</span> </a> </li> <li > <a href="/imer/main/contents.do?menuNo=500841"> <span>논문투고 안내</span> </a> </li> <li > <a href="/imer/main/contents.do?menuNo=500842"> <span>발간 목록</span> </a> </li> </ul> </li> </ul> </li> </ul> <ul class="dp1"> <li> <a href="/imer/main/contents.do?menuNo=500843" ><span>컨퍼런스</span></a> <a href="javascript:void(0)" class="m-dp1"><span>컨퍼런스</span></a> <ul class="dp2"> <li> <a href="/imer/main/contents.do?menuNo=500843" >BOK 컨퍼런스</a> <ul class="dp3"> <li > <a href="/imer/main/contents.do?menuNo=500843"> <span>BOK 국제컨퍼런스 소개</span> </a> </li> <li > <a href="/imer/main/contents.do?menuNo=500844"> <span>2024년 컨퍼런스</span> </a> </li> <li > <a href="/imer/main/contents.do?menuNo=500845"> <span>역대 컨퍼런스</span> </a> </li> </ul> </li> <li> <a href="/imer/main/contents.do?menuNo=500852" >공동 컨퍼런스</a> <ul class="dp3"> <li > <a href="/imer/main/contents.do?menuNo=500852"> <span>공동 컨퍼런스</span> </a> </li> <li class='dropdown'> <a href="javascript:void(0)" title="하위메뉴 열기"> <span>2024 MOEF-BOK-KDI-RBWC International Conference</span> <i class="ico-arrow"></i> </a> <ul class="dp4"> <li> <a href="/imer/main/contents.do?menuNo=500868" ><span>소개</span></a> </li> <li> <a href="/imer/main/contents.do?menuNo=500869" target="_blank"><span>프로그램</span></a> </li> <li> <a href="/imer/main/contents.do?menuNo=500870" target="_blank"><span>자료</span></a> </li> <li> <a href="/imer/main/contents.do?menuNo=500871" target="_blank"><span>갤러리</span></a> </li> </ul> </li> <li class='dropdown'> <a href="javascript:void(0)" title="하위메뉴 열기"> <span>2023 MOEF-BOK-FSC-IMF Conference</span> <i class="ico-arrow"></i> </a> <ul class="dp4"> <li> <a href="/imer/main/contents.do?menuNo=500822" ><span>소개</span></a> </li> <li> <a href="/imer/main/contents.do?menuNo=500824" target="_blank"><span>프로그램</span></a> </li> <li> <a href="/imer/main/contents.do?menuNo=500825" target="_blank"><span>자료</span></a> </li> <li> <a href="/imer/main/contents.do?menuNo=500826" target="_blank"><span>갤러리</span></a> </li> </ul> </li> <li class='dropdown'> <a href="javascript:void(0)" title="하위메뉴 열기"> <span>BOK-KEA International Conference 2022</span> <i class="ico-arrow"></i> </a> <ul class="dp4"> <li> <a href="/imer/main/contents.do?menuNo=500811" ><span>소개</span></a> </li> <li> <a href="/imer/main/contents.do?menuNo=500812" ><span>프로그램</span></a> </li> <li> <a href="/imer/bbs/B0000352/list.do?menuNo=500816" ><span>자료</span></a> </li> <li> <a href="/imer/main/contents.do?menuNo=500814" ><span>갤러리</span></a> </li> </ul> </li> <li class='dropdown'> <a href="javascript:void(0)" title="하위메뉴 열기"> <span>BOK-BIS Conference 2018</span> <i class="ico-arrow"></i> </a> <ul class="dp4"> <li> <a href="/imer/main/contents.do?menuNo=500806" ><span>소개</span></a> </li> <li> <a href="/imer/main/contents.do?menuNo=500807" ><span>프로그램</span></a> </li> <li> <a href="/imer/bbs/B0000296/list.do?menuNo=500808" ><span>자료</span></a> </li> <li> <a href="/imer/main/contents.do?menuNo=500809" ><span>갤러리</span></a> </li> </ul> </li> <li class='dropdown'> <a href="javascript:void(0)" title="하위메뉴 열기"> <span>MOSF-BOK-IMF-PIIE Conference 2017</span> <i class="ico-arrow"></i> </a> <ul class="dp4"> <li> <a href="/imer/main/contents.do?menuNo=500797" ><span>소개</span></a> </li> <li> <a href="/imer/main/contents.do?menuNo=500798" ><span>프로그램</span></a> </li> <li> <a href="/imer/bbs/E0002923/list.do?menuNo=500799" ><span>자료</span></a> </li> <li> <a href="/imer/main/contents.do?menuNo=500800" ><span>갤러리</span></a> </li> </ul> </li> <li class='dropdown'> <a href="javascript:void(0)" title="하위메뉴 열기"> <span>BOK-KIEP-PIIE Conference 2016</span> <i class="ico-arrow"></i> </a> <ul class="dp4"> <li> <a href="/imer/main/contents.do?menuNo=500801" ><span>소개</span></a> </li> <li> <a href="/imer/main/contents.do?menuNo=500802" ><span>프로그램</span></a> </li> <li> <a href="/imer/bbs/E0002833/list.do?menuNo=500803" ><span>자료</span></a> </li> <li> <a href="/imer/main/contents.do?menuNo=500804" ><span>갤러리</span></a> </li> </ul> </li> <li class='dropdown'> <a href="javascript:void(0)" title="하위메뉴 열기"> <span>SED Pre-Conference</span> <i class="ico-arrow"></i> </a> <ul class="dp4"> <li> <a href="/imer/main/contents.do?menuNo=500753" ><span>소개</span></a> </li> <li> <a href="/imer/main/contents.do?menuNo=500752" ><span>프로그램</span></a> </li> <li> <a href="/imer/main/contents.do?menuNo=500854" ><span>자료</span></a> </li> <li> <a href="/imer/main/contents.do?menuNo=500855" ><span>갤러리</span></a> </li> </ul> </li> <li class='dropdown'> <a href="javascript:void(0)" title="하위메뉴 열기"> <span>BOK―IMF ER 컨퍼런스</span> <i class="ico-arrow"></i> </a> <ul class="dp4"> <li> <a href="/imer/main/contents.do?menuNo=500754" ><span>컨퍼런스소개</span></a> </li> <li> <a href="/imer/main/contents.do?menuNo=500755" ><span>프로그램</span></a> </li> <li> <a href="/imer/bbs/B0000243/list.do?menuNo=500756" ><span>자료실</span></a> </li> <li> <a href="/imer/main/contents.do?menuNo=500757" ><span>컨퍼런스 사진</span></a> </li> </ul> </li> <li class='dropdown'> <a 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class="board-ctrl-prev"></i> <span class="sr-only">이전 최신 연구자료</span> </button> <button type="button" class="next board-list-next"> <i class="board-ctrl-next"></i> <span class="sr-only">다음 최신 연구자료</span> </button> </div> <div class="board-list1 swiper"> <div class="swiper-wrapper"> <div class="swiper-slide"> <a href="/imer/bbs/P0002456/view.do?menuNo=500535&nttId=10087782&programType=rsrchrData&relate=Y&depth=500535"> <span class="img-set"> <span class="img" style="background-image: url('/static/imer/img/main/img_data1.png');"></span> <span class="badge">BOK 경제연구</span> </span> <span class="title">[제2024-13호] Exploring the Natural Interest Rate in Korea: A Multi-Model Approach</span> <span class="txt"> 저자 : 도경탁(한국은행), 안주현(한국은행), 정혜리(한국은행) 본 연구는 소규모 개방경제인 한국의 특성을 반영하여 준구조 모형과 시계열 모형 등 총 4개 모형을 통해 한국의 장기 중립금리(long-run r*)를 추정해 보았다. 추정 결과 한국의 중립금리는 팬데믹 이전 2000년 1/4분기 1.4 ~ 3.1% 수준에서 2020년 1/4분기 –1.1 ~ 0.5% 수준까지 장기간 지속적으로 하락하는 모습을 보였으나, 팬데믹 후에는 다시 상승하여 2024년 1/4분기 현재는 –0.2~1.3% 수준인 것으로 나타났다. 다만 팬데믹... </span> <span class="date">2024.11.03</span> <div class="bottom"> <span class="i-view"> <span class="sr-only">view</span> </span> </div> </a> </div> <div class="swiper-slide"> <a href="/imer/bbs/P0000556/view.do?menuNo=500783&nttId=10087205&programType=rsrchrData&relate=Y&depth=500783"> <span class="img-set"> <span class="img" style="background-image: url('/static/imer/img/main/img_data2.png');"></span> <span class="badge">경제분석</span> </span> <span class="title">실업경험이 가계소비에 미치는 장기효과 분석</span> <span class="txt"> 저자: 최영준(한국은행) 우리나라의 가계소비는 1997년 외환위기, 2008년 글로벌 금융위기 등 큰 거시경제 충격을 거치면서 비교적 크게 둔화된 후 이전 증가세를 회복하지 못하고 있다. 이러한 배경하에 본고에서는 상흔 소비(scarred consumption)가 우리나라에서도 나타나는지 여부를 미시 패널자료를 사용하여 실증분석해 보았다. 분석결과 과거 실업경험은 가계소비에 통계적으로 유의하게 음(-)의 영향을 미친 것으로 나타났다. 이는 1997년 외환위기 이후의 충격이 실업경험을 통해 장기적으로 우리나라의 가계소비에 부정적인... </span> <span class="date">2024.09.30</span> <div class="bottom"> <span class="i-view"> <span class="sr-only">view</span> </span> </div> </a> </div> <div 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url('/static/imer/img/main/img_data4.png');"></span> <span class="badge">최신 해외학술 정보</span> </span> <span class="title">최신 해외학술 정보(제2024-26호, 2024.11.22)</span> <span class="txt">[국제경제] Industrial Policies and Innovation: Evidence from the Global Automobile Industry [거시경제] The Dynamic Effects of Green and Non-Green Technology Shocks on Emissions and the Macroeconomy [북한경제] Effects of Everyday Corruption on Perceptions of Authoritarian Leadership: Evidence from...</span> <span class="date">2024.11.22</span> <div class="bottom"> <span class="i-view"> <span class="sr-only">view</span> </span> </div> </a> </div> <div class="swiper-slide"> <a href="/imer/bbs/P0002456/view.do?menuNo=500535&nttId=10087729&programType=rsrchrData&relate=Y&depth=500535"> <span class="img-set"> <span class="img" style="background-image: url('/static/imer/img/main/img_data1.png');"></span> <span class="badge">BOK 경제연구</span> </span> <span class="title">[제2024-12호] Digital Literacy and Physical Cash Demand during the COVID-19 Pandemic</span> <span class="txt"> 저자 : 이경태(한국은행), 박재빈(숭실대학교) 본 논문에서는 2021년 한국은행이 실시한 지급수단 및 모바일 금융 서비스 이용 행태 조사의 원시 자료를 이용하여 코로나19 팬데믹이 소비자들의 현금 수요와 모바일 앱 사용에 미친 영향이 디지털 이해도에 따라 어떻게 차이나는지를 분석하였다. 분석 결과 팬데믹 기간 중 디지털 이해도가 높은 소비자들은 그렇지 않은 소비자에 비하여 현금 보유를 줄이고 모바일 앱 사용을 늘리는 경향을 보였다. 한편 사회적 거리두기가 강화됨에 따라 모바일 앱 사용 및 결제 비중은 증가하였으나, 현금 수요... </span> <span class="date">2024.10.31</span> <div class="bottom"> <span class="i-view"> <span class="sr-only">view</span> </span> </div> </a> </div> </div> </div> </div> </section> </div> <div class="section" id="section3"> <section> <h2>연구포럼 및 세미나</h2> <div class="set "> <div class="ctrl2"> <button type="button" class="prev board-list-prev"> <i class="board-ctrl-prev"></i> <span class="sr-only">이전 연구포럼 및 세미나</span> </button> <button type="button" class="next board-list-next"> <i class="board-ctrl-next"></i> <span class="sr-only">다음 연구포럼 및 세미나</span> </button> </div> <div class="board-list2 swiper"> <div class="swiper-wrapper"> <a 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