https://blog.gongquiz.com/2022/11/14/%ec%a7%80%ea%b8%88-%eb%8b%ac%eb%9f%ac%eb%a5%bc-%ec%82%ac%ec%95%bc-%ed%95%a9%eb%8b%88%eb%8b%a4-%ec%a0%9c2%ec%9d%98-imf-%eb%b3%80%ed%9d%ac%ec%9e%ac-%eb%8c%80%ed%91%9c%eb%af%b8%eb%94%94%ec%96%b4/