https://blog.gongquiz.com/2022/01/02/%eb%8b%a4%ec%9d%8c%ec%9d%98-%ea%b7%b8%eb%a6%bc%ec%97%90%ec%84%9c-%ed%95%ad%eb%b3%b5%ec%a0%90yield-point%ec%9d%80-%ec%96%b4%eb%8a%90-%ea%b2%83%ec%9d%b8%ea%b0%80-%ec%8b%9d%ed%92%88%ea%b8%b0/