๋ณธ๋ฌธ ๋ฐ”๋กœ๊ฐ€๊ธฐ

๊ฒฝ์ œ ๊ณต๋ถ€/๊ฒฝ์ œ

(5)
๊ฒฝ์ œ๊ณต๋ถ€ ์‹œ์ž‘๊ณผ ๊ณต๋ถ€ ๋ฐฉ๋ฒ•, ๊ธˆ์œต์ง€๋Šฅ ํ–ฅ์ƒ ์ด์ œ์•ผ ๊ธˆ์œต์ง€๋Šฅ์˜ ์ค‘์š”์„ฑ์„ ๊นจ๋‹ซ๊ณ , ๊ฒฝ์ œ๊ณต๋ถ€๋ฅผ ์‹œ์ž‘ํ•˜๋ ค๊ณ  ํ•ฉ๋‹ˆ๋‹ค. ์˜ค๋Š˜์€ ๊ธˆ์œต์ง€๋Šฅ์˜ ์ •์˜์™€ ๊ณต๋ถ€๋ฅผ ์‹œ์ž‘ํ•˜๋Š” ์ด์œ , ์ œ๊ฐ€ ๊ณต๋ถ€๋ฅผ ํ•  ๋ฐฉ๋ฒ•๊ณผ ๊ณ„ํš๋“ค์— ๋Œ€ํ•ด ์ด์•ผ๊ธฐํ•ด๋ณด๋ ค๊ณ  ํ•ฉ๋‹ˆ๋‹ค. ๊ธˆ์œต์ง€๋Šฅ(FQ)์ด๋ž€? ๊ธˆ์œต์ง€๋Šฅ์€ FQ์™€ ๊ฐ™์€ ๋ง์ด์—์š”. FQ๋Š” '๊ธˆ์œต(financial)'๊ณผ ์ง€๋Šฅ์ง€์ˆ˜(IQ)๋ฅผ ํ•ฉ์นœ ์‹ ์กฐ์–ด๋กœ ๊ธˆ์œต์ง€๋Šฅ์ง€์ˆ˜๋ฅผ ๋œปํ•ฉ๋‹ˆ๋‹ค. IQ์ฒ˜๋Ÿผ FQ๋ฅผ ์ธก์ •ํ•  ์ˆ˜ ์žˆ๋Š” ๋ฐฉ๋ฒ•์ด ์žˆ๋Š” ๊ฒƒ์€ ์•„๋‹ˆ์—์š”. ํ•˜์ง€๋งŒ, ์–ด๋–ค ์ฑ…(๋งํฌ)์—์„œ๋Š” '๋‚ด๊ฐ€ ๋‹น์žฅ ์ผ์„ ๊ทธ๋งŒ๋‘์—ˆ์„ ๋•Œ, ๋งค๋…„ ์–ผ๋งˆ์˜ ๋ˆ์„ ๋ฒŒ ์ˆ˜ ์žˆ๋Š”๊ฐ€?' ๋กœ ์ธก์ •ํ•ด๋ณด๊ธฐ๋„ ํ•œ๋‹ค๋„ค์š”. IQ์—๋Š” ๋งˆ์ด๋„ˆ์Šค๊ฐ€ ์—†์ง€๋งŒ, FQ์—๋Š” ๋งˆ์ด๋„ˆ์Šค๊ฐ€ ์žˆ์„ ์ˆ˜ ์žˆ๊ฒ ๋„ค์š”. (์ €๋Š” ํ™•์‹ ์˜ ๋งˆ์ด๋„ˆ์Šค์˜ˆ์š”. ) ๊ฒฝ์ œ ๊ณต๋ถ€ ์™œ ์‹œ์ž‘ํ•˜๋‚˜์š”? ์ €๋Š” 20๋Œ€์˜ ํ‰๋ฒ”ํ•œ ์ง์žฅ์ธ์ด์—์š”. ๊ทธ๋ƒฅ ํ‰๋ฒ”ํ•œ ๋Œ€ํ•™๊ต๋ฅผ ์กธ์—…ํ•˜๊ณ , ์ทจ์—…..