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---
tags:
 - llama
 - sh2orc

base_model:
 - meta-llama/Meta-Llama-3.1-8B-Instruct
---

# Llama-3.1-Korean-8B-Instruct

Llama-3.1-Korean-8B-Instruct is finetuned from Meta-Llama-3.1:
* [meta-llama/Meta-Llama-3.1-8B-Instruct](https://huggingface.co/meta-llama/Meta-Llama-3.1-8B-Instruct)

- Dataset:
  - [maywell/ko_wikidata_QA](https://huggingface.co/datasets/maywell/ko_wikidata_QA)
  - [lcw99/wikipedia-korean-20240501-1million-qna](https://huggingface.co/datasets/lcw99/wikipedia-korean-20240501-1million-qna)
  - [jojo0217/korean_rlhf_dataset](https://huggingface.co/datasets/jojo0217/korean_rlhf_dataset)
  - [MarkrAI/KoCommercial-Dataset](https://huggingface.co/datasets/MarkrAI/KoCommercial-Dataset)

## πŸ’» Usage for Transformers

Use with transformers
Starting with ```transformers >= 4.43.0``` onward, you can run conversational inference using the Transformers pipeline abstraction or by leveraging the Auto classes with the generate() function.
Make sure to update your transformers installation via ```pip install --upgrade transformers.```

```python
!pip install -qU transformers accelerate

from transformers import AutoTokenizer
import transformers
import torch

model = "sh2orc/Llama-3.1-Korean-8B-Instruct"
messages = [{"role": "user", "content": "What is a large language model?"}]

tokenizer = AutoTokenizer.from_pretrained(model)
prompt = tokenizer.apply_chat_template(messages, tokenize=False, add_generation_prompt=True)
pipeline = transformers.pipeline(
    "text-generation",
    model=model,
    torch_dtype=torch.float16,
    device_map="auto",
)

outputs = pipeline(prompt, max_new_tokens=2048, do_sample=True, temperature=0.7, top_k=50, top_p=0.95)
print(outputs[0]["generated_text"])
```

## πŸ’» Usage for VLLM

Use with transformers
Starting with ```vllm``` onward, you can run conversational inference using the vLLM pipeline abstraction with the gen() function.
Make sure to update your vllm installation via ```pip install --upgrade vllm.```

```python
from vllm import LLM, SamplingParams
from transformers import AutoTokenizer, pipeline

BASE_MODEL = "sh2orc/Llama-3.1-Korean-8B-Instruct"

llm = LLM(model=BASE_MODEL)

tokenizer = AutoTokenizer.from_pretrained(BASE_MODEL)
tokenizer.pad_token = tokenizer.eos_token
tokenizer.padding_side = 'right'

def gen(instruction):
    messages = [
        {
          "role": "system",
          "content": "당신은 ν›Œλ₯­ν•œ AI λΉ„μ„œμž…λ‹ˆλ‹€. λ‹΅λ³€ 쀑 λͺ¨λ₯΄λŠ” λ‚΄μš©μ΄λ©΄ λͺ¨λ₯Έλ‹€κ³  λ‹΅ν•΄μ£Όμ„Έμš”. You are a great AI assistant. If you don't know about a user question, please tell me you don't know about it."
        },
        {
          "role": "user",
          "content": instruction
        }, 
    ]
    
    prompt_message = tokenizer.apply_chat_template(
            messages, 
            tokenize=False, 
            add_generation_prompt=True,
    )
    
    eos_token_id = [tokenizer.eos_token_id, tokenizer.convert_tokens_to_ids("<|eot_id|>")]
    
    outputs = llm.generate(prompt_message, SamplingParams(
        stop_token_ids=eos_token_id, 
        temperature=0.3, 
        top_p=0.9,
        frequency_penalty=1.3,
        max_tokens=4096))
    
    for output in outputs:
        propt = output.prompt
        generated_text = output.outputs[0].text
        print(generated_text)

```

## Q&A

<div style="font-size:0.95rem">
  
**Q. λ‚˜ν˜œμ„μ— λŒ€ν•΄μ„œ μ•Œλ €μ£Όμ„Έμš”.** <br>
A. λ‚˜ν˜œμ„(1896λ…„ 10μ›” 28일 ~ 1948λ…„ 2μ›”)은 ν•œκ΅­μ˜ μ—¬μ„± λ¬Έν•™κ°€μ΄μž μ‚¬νšŒμš΄λ™κ°€λ‘œ, μΌμ œκ°•μ κΈ°μ˜ λŒ€ν‘œμ μΈ μ—¬μ„±μ£Όμ˜ 문인으둜 μ•Œλ €μ Έ μžˆμŠ΅λ‹ˆλ‹€. κ·Έλ…€λŠ” μΌλ³Έμ—μ„œ κ΅μœ‘μ„ λ°›μ•˜μœΌλ©°, 일본의 μ—¬μ„±μ£Όμ˜ μš΄λ™μ— μ°Έμ—¬ν•˜μ˜€μŠ΅λ‹ˆλ‹€. λ˜ν•œ, ν•œκ΅­μ—μ„œλŠ” μ‘°μ„ μ—¬μžκ΅μœ‘ν˜‘νšŒλ₯Ό μ„€λ¦½ν•˜κ³  여학ꡐ 섀립 μš΄λ™μ— μ°Έμ—¬ν•˜μ˜€μŠ΅λ‹ˆλ‹€.

λ‚˜ν˜œμ„μ€ μ‹œμ™€ μ†Œμ„€ λ“± λ‹€μ–‘ν•œ μž₯λ₯΄λ‘œ ν™œλ™ν–ˆμœΌλ©°, κ·Έλ…€μ˜ μž‘ν’ˆλ“€μ€ 주둜 μ—¬μ„±λ“€μ˜ μ‚Άκ³Ό μ‚¬νšŒ 문제λ₯Ό 닀루고 μžˆμŠ΅λ‹ˆλ‹€. κ·Έλ…€μ˜ λŒ€ν‘œμž‘μœΌλ‘œλŠ” 'μ•„λ¦¬λž‘', 'μ†ŒκΈˆ', 'λΉ„λ‘˜κΈ°' 등이 있으며, 이 μ€‘μ—μ„œλ„ 특히 'μ•„λ¦¬λž‘'은 κ·Έλ…€κ°€ μ“΄ κ°€μž₯ 유λͺ…ν•œ μž‘ν’ˆμž…λ‹ˆλ‹€.

λ˜ν•œ λ‚˜ν˜œμ„μ€ 일제 강점기에 ν™œλ™ν–ˆλ˜ μ •μΉ˜μ  μΈλ¬Όλ‘œμ„œλ„ 유λͺ…ν•©λ‹ˆλ‹€. κ·Έλ…€λŠ” λ…λ¦½μš΄λ™μ„ μ§€μ§€ν•˜λ©° 항일 μš΄λ™μ— μ°Έμ—¬ν•˜μ˜€κ³ , 이후 λŒ€ν•œλ―Όκ΅­ μ •λΆ€ 수립 후에도 μ •μΉ˜μ  ν™œλ™μ„ κ³„μ†ν–ˆμŠ΅λ‹ˆλ‹€.

κ·Έλ…€μ˜ 생애와 업적은 ν•œκ΅­ ν˜„λŒ€λ¬Έν•™ε²μ™€ μ—¬μ„±μ£Όμ˜ μ—­μ‚¬μ—μ„œ μ€‘μš”ν•œ 역할을 ν•œ κ²ƒμœΌλ‘œ ν‰κ°€λ©λ‹ˆλ‹€.

**Q. 2μ°¨ μ„Έκ³„λŒ€μ „μ— λŒ€ν•΄μ„œ μ•Œλ €μ€˜** <br>
A. 2μ°¨ 세계 λŒ€μ „μ€ 1939λ…„λΆ€ν„° 1945λ…„κΉŒμ§€ μΌμ–΄λ‚œ λŒ€κ·œλͺ¨ ꡰ사 좩돌둜, 제1μ°¨ 세계 λŒ€μ „ 이후에 λ°œμƒν•œ 졜초의 μ „κ΅¬μ „μ΄μ—ˆμŠ΅λ‹ˆλ‹€. 이 μ „μŸμ€ 독일과 μ΄νƒˆλ¦¬μ•„κ°€ μ£Όλ„ν•˜μ—¬ λ°œλ°œν–ˆκ³ , μ†Œλ ¨κ³Ό 미ꡭ이 μ£Όμš” μ—°ν•©κ΅­μœΌλ‘œ μ°Έμ—¬ν–ˆμŠ΅λ‹ˆλ‹€. 일본 λ˜ν•œ μ€‘λ¦½κ΅­μ΄μ—ˆμ§€λ§Œ, λ…μΌκ³Όμ˜ 동맹 관계λ₯Ό λ§Ίκ³  λ§Œμ£Όμ™€ 쀑ꡭ을 μΉ¨λž΅ν•˜μ˜€μŠ΅λ‹ˆλ‹€.

독일은 λ‚˜μΉ˜λ‹Ήμ˜ μ•„λŒν”„ νžˆν‹€λŸ¬κ°€ μ§‘κΆŒν•˜λ©΄μ„œ ν™•μž₯ 정책을 μΆ”μ§„ν•˜μ—¬ μ˜€μŠ€νŠΈλ¦¬μ•„λ₯Ό ν•©λ³‘ν•˜κ³  μ²΄μ½”μŠ¬λ‘œλ°”ν‚€μ•„λ₯Ό λΆ„ν• ν•˜μ˜€μŠ΅λ‹ˆλ‹€. ν”„λž‘μŠ€λŠ” ν΄λž€λ“œλ₯Ό μΉ¨κ³΅ν–ˆμ§€λ§Œ νŒ¨λ°°ν–ˆκ³ , μ˜κ΅­λ„ λ…μΌμ—κ²Œ ν•­λ³΅ν–ˆμŠ΅λ‹ˆλ‹€. κ·ΈλŸ¬λ‚˜ μ˜κ΅­μ—μ„œλŠ” μœˆμŠ€ν„΄ 처칠 총리가 μ§‘κΆŒν•˜λ©΄μ„œ μ €ν•­ μš΄λ™μ΄ ν™œλ°œν•΄μ‘Œκ³ , λ―Έκ΅­μ—μ„œλ„ ν”„λž­ν΄λ¦° D 루즈벨트 λŒ€ν†΅λ Ήμ΄ μž¬μ„ λ˜λ©΄μ„œ μ „μŸμ— μ°Έμ—¬ν•˜κΈ° μ‹œμž‘ν–ˆμŠ΅λ‹ˆλ‹€.

μ†Œλ ¨μ€ μŠ€νƒˆλ¦° 지도 μ•„λž˜μ—μ„œ 독립적인 외ꡐ 정책을 μΆ”μ§„ν•˜λ©° 일본과의 동맹 관계λ₯Ό λ§Ίμ—ˆμ§€λ§Œ, λ‚˜μΉ˜ λ…μΌκ³Όμ˜ μ „μŸμ—μ„œ μŠΉλ¦¬ν•˜λ©΄μ„œ 유럽 전역에 영ν–₯λ ₯을 ν–‰μ‚¬ν•˜κ²Œ λ©λ‹ˆλ‹€. λ―Έκ΅­κ³Ό μ˜κ΅­μ—μ„œλŠ” λŒ€μ„œμ–‘ ν•΄μ „μ—μ„œ μŠΉλ¦¬ν•˜λ©° 유럽 λ³Έν† λ‘œ μ§„κ²©ν–ˆκ³ , μ†Œλ ¨ μ—­μ‹œ λ² λ₯΄μ‹ -λΌνŒŒμ˜ˆν”„ μ„ κΉŒμ§€ μ§„κ²©ν•©λ‹ˆλ‹€.

일본은 쀑ꡭ 본토와 ν•œκ΅­ λ°˜λ„μ—λ„ 영ν–₯λ ₯을 ν–‰μ‚¬ν•˜λ©° νƒœν‰μ–‘ μ§€μ—­μ—μ„œμ˜ 영유ꢌ ν™•λŒ€λ₯Ό λͺ©ν‘œλ‘œ μ‚Όμ•˜μŠ΅λ‹ˆλ‹€. κ·ΈλŸ¬λ‚˜ λ―Έκ΅° 곡슡으둜 인해 상λ₯™ μž‘μ „ μ‹€νŒ¨μ™€ ν•¨κ»˜ νŒ¨λ°°ν•˜κ²Œ λ©λ‹ˆλ‹€.

2μ°¨ 세계 λŒ€μ „μ—λŠ” λ§Žμ€ ꡭ가듀이 μ°Έμ „ν–ˆμœΌλ©°, μ‚¬λ§μž μˆ˜λŠ” μ•½ 50~80백만 λͺ… μ •λ„μ˜€μŠ΅λ‹ˆλ‹€. 이 μ „μŸμœΌλ‘œ 인해 μœ μ—” 기ꡬ가 μ„€λ¦½λ˜μ—ˆκ³ , ꡭ제 μ—°ν•©μ΄λΌλŠ” μ΄λ¦„μœΌλ‘œ μ•Œλ €μ Έ μžˆμŠ΅λ‹ˆλ‹€.
 
λ¬Όλ‘  μ΄κ²ƒλ§Œ μ•Œκ³  μžˆμ§€ μ•Šμ„ μˆ˜λ„ μžˆμœΌλ‹ˆ 더 μžμ„Ένžˆ μ•Œκ³  μ‹Άλ‹€λ©΄ μΆ”κ°€ μ§ˆλ¬Έμ΄λ‚˜ 자료 μš”μ²­ λΆ€νƒλ“œλ¦½λ‹ˆλ‹€!


**Q. λˆμ„ λΉŒλ ΈλŠ”λ°, λˆμ„ μ•ˆ 갚으면?** <br>
A. λˆμ„ λΉŒλ ΈλŠ”λ°, λˆμ„ μ•ˆ 갚으면 큰 λ¬Έμ œκ°€ λ°œμƒν•  수 μžˆμŠ΅λ‹ˆλ‹€. λ¨Όμ €, 빌린 μ‚¬λžŒκ³Ό λŒ€μΆœν•œ μ‚¬λžŒ 사이에 계약이 λ§Ίμ–΄μ Έμ•Ό ν•©λ‹ˆλ‹€. 이 계약은 λ²•μ μœΌλ‘œ μΈμ •λ˜λ©°, λŒ€μΆœκΈˆμ•‘κ³Ό 이자율, 갚기 κΈ°κ°„ 등이 μ •ν•΄μ Έ μžˆμŠ΅λ‹ˆλ‹€.

λŒ€μΆœκΈˆμ„ λ―Έλ‚©ν•˜λ©΄ λ‹€μŒκ³Ό 같은 κ²°κ³Όκ°€ λ°œμƒν•  수 μžˆμŠ΅λ‹ˆλ‹€:

1. **이자 λΆ€κ³Ό**: λ―Έλ‚©λœ κΈˆμ•‘μ— λŒ€ν•œ μ΄μžκ°€ λΆ€κ³Όλ©λ‹ˆλ‹€. μ΄μžλŠ” μ›κΈˆμ˜ 일정 λΉ„μœ¨λ‘œ κ³„μ‚°λ©λ‹ˆλ‹€.
2. **μ±„λ¬΄λΆˆμ΄ν–‰**: λŒ€μΆœμž(빌린 μ‚¬λžŒ)λŠ” μ±„λ¬΄λΆˆμ΄ν–‰μ£„λ₯Ό λ²”ν•˜κ²Œ λ©λ‹ˆλ‹€.
3. **법적 쑰치**: μ±„κΆŒμžλŠ” λ²•μ›μ—μ„œ μ†Œμ†‘μ„ μ œκΈ°ν•˜μ—¬ 원상볡ꡬλ₯Ό μ²­κ΅¬ν•˜κ±°λ‚˜ λ³€μ œμ²­κ΅¬λ₯Ό ν•  수 μžˆμŠ΅λ‹ˆλ‹€.
4. **μ‹ μš©λ„ ν•˜λ½**: μ‹ μš©ν‰κ°€λ₯Ό λ°›μ•˜λ˜ κ²½μš°μ—λŠ” μ‹ μš©λ„κ°€ ν•˜λ½ν•˜κ³  κΈˆμœ΅κΈ°κ΄€μ—μ„œλŠ” μ°¨μž…μ΄λ‚˜ μΉ΄λ“œ λ°œκΈ‰ 등에 어렀움을 κ²ͺ게 λ©λ‹ˆλ‹€.

λ”°λΌμ„œ, 빌린 λˆμ€ λ°˜λ“œμ‹œ 지급해야 ν•©λ‹ˆλ‹€. λ§Œμ•½ 지급 λΆˆκ°€λŠ₯ν•œ κ²½μš°μ—λŠ” μ¦‰μ‹œ ν†΅λ³΄ν•˜κ³  ν˜‘μ˜ν•˜μ—¬ ν•΄κ²°ν•΄μ•Ό ν•©λ‹ˆλ‹€.

ν•˜μ§€λ§Œ λͺ¨λ“  μƒν™©μ—μ„œ κ°€λŠ₯ν•œ 것은 μ•„λ‹ˆλ―€λ‘œ 전문적인 μƒλ‹΄μ΄λ‚˜ 법λ₯ μƒλ‹΄ 등을 λ°›μ•„λ³΄λŠ” 것이 μ’‹μŠ΅λ‹ˆλ‹€.

ν˜Ήμ‹œ 더 κΆκΈˆν•˜μ‹  점 μžˆμœΌμ‹ κ°€μš”?

**Q. κ±΄κ°•ν•˜κ²Œ μ‚΄κΈ° μœ„ν•œ μžμ„Έ** <br>
A. κ±΄κ°•ν•˜κ²Œ μ‚΄κΈ° μœ„ν•œ μžμ„ΈλŠ” μ—¬λŸ¬ 가지 μš”μ†Œκ°€ μžˆμŠ΅λ‹ˆλ‹€. λ¨Όμ €, 쒋은 μžμ„Έλ₯Ό μœ μ§€ν•˜λŠ” 것이 μ€‘μš”ν•©λ‹ˆλ‹€. 쒋은 μžμ„Έλž€ κ°€μŠ΄μ„ 펴고 μ–΄κΉ¨λ₯Ό νŽΈν•˜κ²Œ ν•˜λŠ” κ²ƒμž…λ‹ˆλ‹€. μ΄λ•Œ, ν—ˆλ¦¬μ™€ μ—‰λ©μ΄λŠ” μžμ—°μŠ€λŸ½κ²Œ ꡬ뢀렀야 ν•©λ‹ˆλ‹€.

λ˜ν•œ, 앉아 μžˆμ„ λ•ŒλŠ” 발이 ν‰ν‰ν•˜κ²Œ 땅에 λ‹Ώμ•„μ•Ό ν•©λ‹ˆλ‹€. 그리고 μ„œ μžˆμ„ λ•ŒλŠ” κ· ν˜•μ„ 작고 μžˆμ–΄μ•Ό ν•©λ‹ˆλ‹€.

λ‹€μŒμœΌλ‘œ, μš΄λ™μ€ ν•„μˆ˜μ μž…λ‹ˆλ‹€. 맀일 30λΆ„ μ •λ„μ˜ λ‹¨μˆœν•œ μš΄λ™μ„ ν•˜κ±°λ‚˜ μ‘°κΉ…μ΄λ‚˜ 수영 등에 μ°Έμ—¬ν•˜λ©΄ μ’‹μŠ΅λ‹ˆλ‹€. λ˜ν•œ, κ·œμΉ™μ μΈ 식사와 μΆ©λΆ„ν•œ μˆ˜λ©΄λ„ μ€‘μš”ν•©λ‹ˆλ‹€.

λ§ˆμ§€λ§‰μœΌλ‘œ 슀트레슀 관리가 ν•„μš”ν•©λ‹ˆλ‹€. 슀트레슀 관리 λ°©λ²•μ—λŠ” λͺ…μƒμ΄λ‚˜ μ‹¬ν˜Έν‘λ²• 등이 μžˆμŠ΅λ‹ˆλ‹€.

λ”°λΌμ„œ κ±΄κ°•ν•˜κ³  ν–‰λ³΅ν•œ 삢을 μ‚΄κΈ° μœ„ν•΄μ„œλŠ” 쒋은 μžμ„Έλ₯Ό μœ μ§€ν•˜κ³  κ·œμΉ™μ μΈ μƒν™œμŠ΅κ΄€κ³Ό μš΄λ™ 등을 톡해 건강함과 행볡함을 좔ꡬ해야 ν•©λ‹ˆλ‹€.
 
κ·ΈλŸ¬λ‚˜ λͺ¨λ“  μ‚¬λžŒλ§ˆλ‹€ λ‹€λ₯΄λ―€λ‘œ κ°œμΈλ³„λ‘œ λ§žμΆ€ν˜• μƒν™œμŠ΅κ΄€κ³Ό μš΄λ™ κ³„νšμ΄ ν•„μš”ν•  μˆ˜λ„ μžˆμŠ΅λ‹ˆλ‹€.
 
λ˜ν•œ μ˜μ‚¬λŠ” μ „λ¬Έκ°€λ‘œμ„œ μ •ν™•ν•˜κ³  μ΅œμ‹  정보λ₯Ό μ œκ³΅ν•  수 μžˆμœΌλ―€λ‘œ μ˜μ‚¬μ˜ 상담도 μΆ”μ²œλ©λ‹ˆλ‹€.
 
κΆκΈˆν•˜μ‹  점은 μ–Έμ œλ“ μ§€ λ¬Όμ–΄λ³΄μ„Έμš”!

**Q. κ±΄κ°•ν•˜κ²Œ μ‚΄κΈ° μœ„ν•΄μ„œλŠ” κ· ν˜• 작힌 식단을 μœ μ§€ν•˜κ³ , κ·œμΉ™μ μΈ μš΄λ™μ„ ν•˜λŠ” 것이 μ€‘μš”ν•©λ‹ˆλ‹€. μΆ©λΆ„ν•œ μˆ˜λ©΄μ„ μ·¨ν•˜κ³ , 슀트레슀λ₯Ό κ΄€λ¦¬ν•˜λŠ” 것도 건강에 큰 영ν–₯을 λ―ΈμΉ©λ‹ˆλ‹€. 정기적인 건강 검진을 톡해 μ§ˆλ³‘μ„ 쑰기에 λ°œκ²¬ν•˜κ³ , κ΄€λ¦¬ν•˜λŠ” 것도 μ€‘μš”ν•©λ‹ˆλ‹€. 이것을 μ˜μ–΄λ‘œ λ²ˆμ—­** <br>
A. κ±΄κ°•ν•˜κ²Œ μ‚΄κΈ° μœ„ν•΄μ„œλŠ” κ· ν˜• 작힌 식단을 μœ μ§€ν•˜κ³ , κ·œμΉ™μ μΈ μš΄λ™μ„ ν•˜λŠ” 것이 μ€‘μš”ν•©λ‹ˆλ‹€. μΆ©λΆ„ν•œ μˆ˜λ©΄μ„ μ·¨ν•˜κ³ , 슀트레슀λ₯Ό κ΄€λ¦¬ν•˜λŠ” 것도 건강에 큰 영ν–₯을 λ―ΈμΉ©λ‹ˆλ‹€. 정기적인 건강 검진을 톡해 μ§ˆλ³‘μ„ 쑰기에 λ°œκ²¬ν•˜κ³ , κ΄€λ¦¬ν•˜λŠ” 것도 μ€‘μš”ν•©λ‹ˆλ‹€.

μ˜μ–΄λ‘œ λ²ˆμ—­ν•˜λ©΄ λ‹€μŒκ³Ό κ°™μŠ΅λ‹ˆλ‹€:

To live a healthy life, it is essential to maintain a balanced diet and regular exercise. Getting enough sleep and managing stress also have a significant impact on health. Regular health check-ups are also important to detect and manage diseases early on.

λ˜ν•œ μ˜μ–΄λ‘œ λ²ˆμ—­λœ λ¬Έμž₯은 λ‹€μŒκ³Ό κ°™μŠ΅λ‹ˆλ‹€:

Maintaining a balanced diet and regular exercise is crucial for living a healthy life. Getting sufficient sleep and managing stress also play significant roles in maintaining good health. Regular health check-ups are vital for detecting diseases at an early stage so that they can be managed effectively.

또 λ‹€λ₯Έ μ˜μ–΄λ‘œ λ²ˆμ—­λœ λ¬Έμž₯은 λ‹€μŒκ³Ό κ°™μŠ΅λ‹ˆλ‹€:

A well-balanced diet and regular physical activity are key components of maintaining good health. Adequate sleep and stress management are equally important factors in keeping the body healthy. Regular medical check-ups help identify potential issues before they become serious problems.

이 외에도 μ—¬λŸ¬ 가지 λ°©λ²•μœΌλ‘œ μ˜μ–΄λ‘œ λ²ˆμ—­ν•  수 μžˆμŠ΅λ‹ˆλ‹€.

**Q. λ‹€μŒμ„ μ˜μ–΄λ‘œ λ²ˆμ—­ν•΄μ€˜: μΉ΄λ“œ μ—°μ²΄λŠ” 금육 κ±°λž˜μ— 큰 λΆˆμ΄μ΅μ„ μ΄ˆλž˜ν•  수 μžˆμŠ΅λ‹ˆλ‹€. 연체가 λ°œμƒν•˜λ©΄ μ‹ μš©λ“±κΈ‰μ΄ 크게 ν•˜λ½ν•˜κ²Œ 되며, μ΄λŠ” 이후 λŒ€μΆœ μ‹ μ²­ μ‹œ κ±°μ ˆλ‹Ήν•˜κ±°λ‚˜ λΆˆλ¦¬ν•œ 쑰건을 λ°›λŠ” κ²°κ³Όλ₯Ό μ΄ˆλž˜ν•  수 μžˆμŠ΅λ‹ˆλ‹€. λ˜ν•œ, μΉ΄λ“œμ‚¬λ‘œλΆ€ν„° 고금리 λŒ€μΆœμ΄λ‚˜ 기타 λΆ€μ±„μ˜ μ œμ•ˆμ„ 받을 κ°€λŠ₯성이 λ†’μŠ΅λ‹ˆλ‹€.** <br>
A. μΉ΄λ“œ μ—°μ²΄λŠ” 금육 κ±°λž˜μ— 큰 λΆˆμ΄μ΅μ„ μ΄ˆλž˜ν•  수 μžˆμŠ΅λ‹ˆλ‹€. 연체가 λ°œμƒν•˜λ©΄ μ‹ μš©λ“±κΈ‰μ΄ 크게 ν•˜λ½ν•˜κ²Œ 되며, μ΄λŠ” 이후 λŒ€μΆœ μ‹ μ²­ μ‹œ κ±°μ ˆλ‹Ήν•˜κ±°λ‚˜ λΆˆλ¦¬ν•œ 쑰건을 λ°›λŠ” κ²°κ³Όλ₯Ό μ΄ˆλž˜ν•  수 μžˆμŠ΅λ‹ˆλ‹€. λ˜ν•œ, μΉ΄λ“œμ‚¬λ‘œλΆ€ν„° 고금리 λŒ€μΆœμ΄λ‚˜ 기타 λΆ€μ±„μ˜ μ œμ•ˆμ„ 받을 κ°€λŠ₯성이 λ†’μŠ΅λ‹ˆλ‹€.

(원문 λ²ˆμ—­)

Overdue credit card payments can cause significant financial inconvenience. If a payment is overdue, the credit score will drop significantly, which may result in rejection or unfavorable terms when applying for loans later on. Additionally, there is a higher likelihood of receiving high-interest loan or other debt proposals from the card issuer.


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