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୨థ઴֜14-03

2014. 02.

독일 근로연계 복지제도의 특징과 시사점

କ஼ন

(3)

କ஼ন෉֝լ୪઴֜଀઴֜଍଀

ছԳ۩෈֗լ୪෈րࠜ୽ડ෇ճࢠ֝૾ਘഋ۩෈֗ 6OJWFSTJUZPG8BTIJOHUPO઩ছլ୪෈ࢮॷ෈଍ࠜ౫݂෇઼ۗ෮୍

෉֝լ୪઴֜଀઴֜଍଀ଞߦ୍஻ணଲ࡝ ச૬઴֜ंઉۀڋܛլ୪ ଦ૳ࢠਏ ࣫஺݊ଲۗச૬ୠছߦۀ󰡔࣫஺վઊ

󰡔ࢮֽ෵୨ऀ࣫஺୨థଭण૳౟୨ࢫլ୪ୡตրंজ󰡕 վୠ ݊ଲ଼ۗ

ܒଵֽߦ઴ծ࣫஺୪ܑଭ൉௃րਏॷ୥

ൡ৐଴৐󰠐ڂଁଵ

ൡ৐ࢳෘ󰠐ڂଁଵ ࢳෘళ󰠐෉֝լ୪઴֜଀

ࢳෘ଴󰠐ౖࣦଵ ඇு଴󰠐ౖࣦଵ

݊ߧ࣌෹󰠐୪෹

ছ૷൉࣢ਏઽ݊එ֜઱ଭ۩ߦ',*508&3౾

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Ϳ෉֝լ୪઴֜଀ 

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 ଀

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(4)

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ඝԹ෭ଲบ _ܒଵਓડࠔଭ࣡ฃ କߦ୼ 3& 

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ඝԹ෭ଲบ _ܒଵਓડׂ઱஺ౢଭ࣡ฃ 

କߦ୼ ୍୨଍׆֝ԧ୪૤ 0-4 

ඝԹ෭ଲบ _ܒଵਓડׂ઱஺ౢଭ࣡ฃ କߦ୼ 3& 

ඝԹ෭ଲบ _ܒଵਓડׂ઱஺ౢଭ࣡ฃ 

କߦ୼ ୍୨଍׆֝ԧ୪૤ 3& 

(5)

କߦ୼ 3& 

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(6)

૬ઊ

૬ઊ

Ķ࣭઴֜ۀܒଵଭ࣫஺୪ܑࢳୢր୨րֽߦ઴ծ࣫஺୪ܑணਕଭԹ෭ॷߢࠜՑ

ഠ෇ճේบ૴ࠤيޭ઩ছ஺ুԧۇ෉࣫஺୪ܑࠜ֜ౠ෇׆଍෉୨థୡਏॷ୥

ଡܑౢ෇ճୀ෌

ڂ۩౑఼ୡ଍׆઩஻࡟෗஺࠮ଲࠜনվୡଞߦּ࣫෉ܒଵ࣫஺୨థଭ൉௃

րԹ෭ր୨ࢫনրࠜীԹ෇ճ൉ํֽߦ଴বൖज୪ճࠜணਕଞߦ෉ܒଵଭ஺

ুԧۇ෉࣫஺୪ܑ֜ౠଭլ෠ଡՑഠ

ֽߦ઴ծ࣫஺୪ܑࠜԳฃ෇׆଍෉ܒଵଭԹ෭ଲ૴ࠤيޭ઩சۀਏॷ୥ଡܑౢ

Ķલॷୡଞߦ࣮ݡܒଵଠथյ౾ ୋ઀଴ ਓ஻ୀ݊઩՚઴ࢺ୨ऀఙ଀઩ছ஺଀

෇ۀॷฎ࣫஺ਏਆഗଡധ෇઱ւ۩෉෵೿ଡऀ઱ැ૜ଣ

ܒଵॷฎ࣫஺ਏਆഗଭ׆଀ଠڂܒଵଭ৤ঃૈഠඓणਆࠬ࠙೥઩ଭැค

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୪ఙপծ۩ୢ׆ԩ઩ۀୢ֝ୡଞߦ࠮઴෉थյր׆ੰߦ଴ැܒଵଭॷฎ࣫஺

୪ܑԧׂգํค۩ܦ

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ۀ୪ܑࠜ৤ࠩ෇઼ଣ

▪ ՍԳրֽߦۇߚଡକ஺෇ճڋߡ ෛઊ ୍ٍ݊ଞߦ଴෉լ୪ୡյޯଡॷୢ઩ુ

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઩ছۀڎް࠮෉լ୪নୋଲบ࣫஺ԧค۩ܣۀ౟প

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ܒଵֽߦ઴ծ࣫஺୪ܑଭ൉௃րਏॷ୥

Ķޭ଴Գଭ׆ୡ઩ܑऄ֜෇ճܒଵଠڂ۩ऀഉլ୪઩ࢠ౿ۀ૤ऀ౦գଡୡ

ୣ෇՚Ԯۥ්৤଼ۀਏਆഗଲ֜ౠܣ஺࡮෇઼ۗۀणൡଲ୪׆ܦ

ܒଵଠীण୍୪୺ડ઩࠯ଲଭ୼෇ۀॺડ֜୺

ܒଵଭॺડଠ୨ऀ૕ڋܛ୺෍ଲܒଵଭճ૳ச݅઩՚࠭۩෉ઽේߚଡෘॷ්৤

଼ۀ֜୺ࠜԧீ

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ࢳ঍ਏ೬ۀ Փଞߦছ ܒଵଠ ׆ડ݅ଭ ٗଠ ৤ଳনॣ࠮ ੰۍޭ ׆ડ݅ଭ ැ૤ߦଭ

঍ॺฆܛଲୢ݊࠭۩෉ण૳ଡ஺ऄැઉ෇ۀէրࠜొ޹

Ķ׆ડլઽրւߛܤࢂ୪ଲ૤઩ܑܒଵଠլ୪׆ୡଲบׂգ෉଴֜֜୺ଭ࣡

ฃߦ଴ැլ୪ঃจଲ۳૵ੱฃܣ࡟ছ࣫஺ऀۡଲஹԧ

ܒଵଭٗଠౢ঍ࠔଠڋܛ଴֜ࠜԮীਏಯॷฎ࣪ୋ୍଀ଡ஝ଲճଠബୀԧ஺ু

ୡଞߦ઴ׁଡ৤ׂ෇ۀ܁ࢂ୪ԧܥՓଞߦ૴ߙ

૤֝଴ڋܛୀ૕ܒଵଭ୨౿࠷ࡣ࣑ଡଲ૳෇઱ୢপծଭ࠷ࡣୀ݅ଲܒଵߦࡦ઱

݅તଞ࡝&6֝ԧ݅ଭ֝ࢢܑ݅ଵୀࠤࠜణੰܒଵߦଲܛ෇࡟ছܒଵ୨ऀଭऀ

ۡଲஹԧ

Ķপ׆บࢱܒଵॷฎ઩ԧୋ೧ऀۡଡஜՓଠࢭߦছܒրܛܒଭധଵହ

ڂࣕࠜࠦୋ࣠ऊ֏ଲบ ଵߛଭധଵր୨ଠܒଵ઩՚࠭۩෉ऀۡଞߦୁ૳

ছܒ઩ছۀށۗࠛ෴೾ଭ ܛܒଞߦऀഉଭ۩ָࡦଲசࢢକ଺ଡԮۥැઉ෇ۀ

ઘߙૺ઩஻࡟

ܛܒசࢢଡܛܒ஺લ઩ࡉࡿ࠙՚෇׆଍ැছۀ਑්߲࠮෉୺౿ԧෂ૬෗ଞ࡝ଲ

ࠜ଍ැ‘ܛÂছܒլ୪ÂॷฎÂധฃധ෍୺ઊ’ଡധැฃඍധ෍ଲۚෘ

ܛܒրছܒଭڋܛਏୋଲധ෍ܣ࡟ছܛܒ஺લହׁଲׂুํঃ਎෇ճଲۀܛܒ

஺લਓડࠔଭׂু෉ঃ਎ଡକࢳ

ധଵଲบܒଵ઴ࢺ୨ऀۀ࠭۩෉୍୨஺଀ଡ୪վ෇઼ଞيڂ۩݅ઘছܑր Ջܛܒ஺લଭլ୪ۀੰ஻ܑ೧ઘߙૺଡդճ଼ۀঃจ

(8)

૬ઊ

Ķ੿઩ছચׂ෉૬଴݅ଠܒଵଭլ୪ॷฎୡऀۡଡԧணਏವଞ࡝է֝ܒଵٛ઩

ছ࣡ฃԧୣਓ෉ঃจଡ࠸ଲ෇՚ܦ

Ķڂ࠱ג஺ܒଵ઩ۀਓડୀࠜ۩ঃଞߦ෇ۀԧ஺෴೾ଭׂ઱ਏਆഗଲ૶

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ਏਆഗଡ ԧ஼ ֝ԧ઼ଞ࡝ էրୡଞߦ ୋ׆ ਓડୀ઩ ۩෉ ০ ী݂۩఼ଘଲ 0&$%

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ฎ୪ܑଭ୍୨ୡऊ֏ࠜ࠭׆଍෌ଲતଣ

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णߧਓડׂ઱ԧऀंୡଞߦॷฎ࣪෠઩׆ࢱଡܪճ଼஺࠮ ڂొࢱࠜ

׆ߧ෉ਓડࠔրਓડࢂ୪ۀܒଵଭւ۩෉࣫஺୨థր࠸ࢄߙ୍୨ୡऀۡଲܥՓ ଲޭۀ଍׆Ԯଲஹ۩

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 ෇࠙౷ * Թ෭ଠ ڂ ଁ ଵऀഉ ࢳตܣતۀ܁ ୨ऀԧ ૶ઽ෇ۀ ճ૳఻

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܁ண୥

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ֽߦୀ݅ଡ଍෉ڋܛਏୋվׂ౸࡟ଭԹ෭ࢺੲଞߦࢠۍୈ ࢠ݌ୈ Թ଴ୀઽડఢ ડ஺଀݊ଭඹߦֻ޽ଡܑ଺෇઼ଞ࡝ڂଁଵऀഉࢳต

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ܒଵֽߦ઴ծ࣫஺୪ܑଭ൉௃րਏॷ୥

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ছणਆ୪վ׆ւԩଭլ୕ଡକܑ

ֽߦୀ൞ե୪෉ָ୨ଭ૗ฃ

ڂ

ଁଵ

෇࠙౷** ࢠۍୈրࢠ݌ୈଲޭۀঅߦ૶ଵୀࠤ෴೾ܑࠜ଺

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଺෇઼ଞ࡝ڂଁଵऀഉୡ૳

ඝ෇࠙౷Թ෭ଭٛ૳

Ķ෇࠙౷*7Թ෭ଠֽߦۇߚଲઢۀּౖथ౾ଠ֝ԧԧ஺଀෇ܣԹ଴ଭథହଡ

Գ୺෇ճֽߦକ଴ଡԳฃ෉ۗۀ୥઩ছլ୪ॷฎୡଞߦண૬෉ଭࢠࠜԧீ

ֽߦۇߚଲ଼ۀॷޱրֽߦۇߚଲઢۀॷޱଡ֜ं෇઱थյଡ஝ଲճ ଵୀࠤ

ࠜധැୀ਑ଭࢂ୪ࠜਆਆߦැէ්৤଼ۀࢺੲଡࡦআ෇ۀ܁ண୥

ֽߦۇߚଲ଼ۀॷޱଭլ૴ ׆୼ଭւ۩෉ਓડऀ୺઩ছਓડׂ઱**ߦୢฅ෇઱

஺ׂઁଡ۩ඒॸԮ෇ճڋܛਏୋଞߦଭ஼଺ଡܒߙ

(10)

૬ઊ

▪ অߦ૶ଵୀࠤࠜՋऀ්լ૴ׂ઱ઁଡॸԮ

ਓડׂ઱*ଠ৤ׂ׆ԩଲౖ۩Թଁߦ஝ઘ݅તଞ࡝ ۗ࠮পଲঃଭ৤ׂୀ઩

෉෇઱ౖ۩Թଁܛੲ஺ׂଲԧۇ෇ܑߧ࣡լ ଲบপଲঃ઩෉෇઱৤ׂ׆

ԩଡౖ۩Թଁߦค۩

૬ಟ۩ਓડׂ઱*ଠ׆઱ׁଡ୍଀ଞߦ෇ճଲୢী݂઩઴ծ෇઱ଵ୨׆ԩ ౖ۩

઱ׁઢଲপׁଡ୍଀ଞߦ෇ۀऀ୺ୡনգଭ୨ઁׂ઱ߦছֽߦۇߚଲ଼ۀॷޱ

઩՚ਓડঃ೾ԧැীܥݡג஺ծুැছ஺ׂ෇ܣ৤ׂ୺ՍଡՋऀ෇ۀլ૴ׂ઱

ઁଡऀं෺ଠ૗ୢॸԮ෇ܑߧ෌

Ķ෇࠙౷*7Թ෭ଞߦ଴෉ตրࠜஹ۩ਏ೬׆଍ැছۀճ૳࣪෹ࠜ૗ฃ෇ճ౟ԧ

ୡ଴ֽߦକ଴ୡ୨థଡ౟஼්ෂ૬ԧ଼ۗۀଭեଲ۩ܪ

ֻ߉ଭࢠ઩ছ෇࠙౷Թ෭݊ଡඑ෌෇ۀԹ෭൪೬஺ඹߦֻ޽଴ੰ୬ۗඹ ߦֻ޽ଠ෇࠙౷Թ෭ଡตրୡଞߦܺࢲಅ්৤଼ۀֽԩଲܤՓଞߦॷ߹

Ķ೧ൌ઩ছ෇࠙౷Թ෭ଠܒଵଭੰ୬ۗඹߦֻ޽ଭଵऀߦছੰ୬ۗ

ଭ࣫஺ࢫڋܛऀࢂրւߛܤऀंଲ࡝ ૬ಟ۩ܒଵଭॷฎլ୪ंઉ઩ছي೴

ٍୢ఼ୡ଴Թ෭ଭं଍׆ۀੰ୬ۗଞߦ۩ඝܥ৤଼ଣ

ੰ୬ۗ઩ছۀܒଵଭࢠ޹ࠜ଍ැ౟஼ැઉ්Թ෭൪೬஺ࠜլ୪ ஻ડผߛ  րপ ֗ଖࢫ઴֜ ڋܛਏୋ ࣪Ս ઴ׁ ԧ୻஺଀݊ଞߦيڧճԨऀࢂ઩ছଭ

෮ੲրැ࣑ଡ୪ਏ

լ୪ंઉଭෑਕଠணী׆ડ஼ๅրറୀԳฃ ֻࠤճլ୪ฆܛฆনฃޭճ්৤

଼ଣ ճ૳ָ୪૗ฃඑ෌

஻ડผߛंઉଭෑਕଠֽߦୀଭ࣪ඇୡ֫ࠤࠜ଴୨෇઱఻ڂ݅઩՚ாڔଠผ ߛଡ୪վ෉ۗۀՓହ

րপंઉଭෑਕଠॷޱ݅ଭ৤ண઩۳࠯ଠܓଡ পׁଡվ୨෇ճറࡣ෇՚ ֻ

ࠤճԩۚ෇՚࠮݁ۀՓହ পׁ଴෇එ෌

֗ଖࢫ઴֜ंઉ઩ছଭෑਕଠ஺ୡ଴ࢠ޹ࠜ଍෇઱઴֜૕ճ݊֗ଖଡ෮۩ฃ

෇ۀՓହ

ڋܛਏୋंઉ઩ছଭෑਕଠ۳࠯ଠॷޱ઩՚۳૵਑ু෉ଵୀࠤࠜణੰசճ ਓ

஻ୀࠜ଍෉ֽߦ଴বൖजࠜԳฃ෇ۀՓହ ঃ׆෇࠙౷Թ෭ଭٛ૳ଡఞ୺

(11)

ܒଵֽߦ઴ծ࣫஺୪ܑଭ൉௃րਏॷ୥

઴ׁंઉ઩ছଭෑਕଠୋ׆ୡଞߦੲ୨ୡଲճऀۡԧۇ෉઴ׁ୪ܑࠜ֜ౠ෉ۗ

ۀՓହ

࣪Սंઉ઩ছଭෑਕଠ࣪Սਏਆഗଭ׆ۇଡକ஺෇࡟ছଭ߹৤ஜԹটրઑாଭ

࣪Սଭ߹ࠜୠߝ෉ण૳ଞߦ୪վ෉ۗۀՓ

ࠬ஺࠭ଞߦԧ୻ଡ଍෉஺଀ଭෑਕଠࡦܪ઩՚׆ฎࠜ୪վ෇ճ ஻ୋրԧ୨ଭ

ઑࠩଡ଍෉ֹ෴ଡคࠩ෉ۗۀՓହ

Ķਓஹंজէրࠜॼආ࣪࡟ୢ఼ୡଞߦֽߦ઴ծࠜԳฃ෇ۀܒଵଭԹ෭୨థଲ

ਓડࠔଡٗ౟ճ ճ૳ࠔଡڔଲճ࣫஺ण૳ଡԮౠ෇ۀ܁କଭୡଲճׄ୨ୡ଴

ઽේଡࢠಁՓଞߦॷ߹ܦ

%JGGFSFODFJO%JGGFSFODFTंজࢺ࣑ଡॷ૳෇઱౟୨෉էրଲ߇෉Թ෭୨థଠ೧

নրࠜՋܪઘԹ෭ଲୢրण֗෇઱_ڂ઩ਓડࠔଠ_එ଴ൈ

Ԯী෇઼ଞ࡝ ճ૳ࠔଠ_එ଴ൈஹԧ

଴ۥਓડׂ઱஺ౢઁܑԹ෭ଲบԮী෇઼ଞ࡝ (%1۩णॷฎ࣫஺஺ౢઁणண

ܑۗࠛச૬ট஼֝݅ଭլ૴ڂ઩ছڂॷଲ઩ஹԧ෇ۀࡦ਌ଡي೴٢ ଞيܒଵଭլ૴ۀૈํߙ઩ছߦԮী

ଲ߇෉էրۀڂׁଜ଍׆ଲบۗࠛيޭ݅րۀۜࠤܒଵڋܛਏୋଲ౦գ ଡ۸ࢲ੼ଞ࡝ঃ۩ୡଞߦम࠙՚ฎ࣫෇ۀ܁෇࠙౷Թ෭ଡඑ෌෇ۀԹ෭୨థଲ

ׄ୨ୡ଴ લ්ଡ ෗ۗۀ ۗࠛ ઴֜݅ଭ էր૕ܑ ࠼ޮଡ Զଲ ෌ #VSEB 

࣭઴֜ଭէրۀ෇࠙౷Թ෭ॣ࠮ੰۍޭԶଠਏ׆઩஼ෘܤੰ୬ۗԹ෭ඹ ߦֻ޽ଭตր૕Զଲي೴ي׆ݡࢂ઩ֽߦ઴ծࠜԳฃ෇ۀܒଵԹ෭୨థଭตր

ޭճ්৤଼ଣ

 ڂ_ڂ઩ Թ෭ଭ ตրԧ ۳ ೥՚ ي೴يۀ Փଲ ࡔ࠙ಪ ୨ऀଭ ౟ԧୡ଴

Թ෭ଭตրଵ৤଼ܑଞيଲۀੰ୬ۗԹ෭ඹߦֻ޽ଭ઴ুଞߦ࣪ੰܑ೧

ࡿࠤۀઢଡՓ

(12)

૬ઊ

ඝԹ෭ଲบ _ܒଵਓડࠔଭ࣡ฃ କߦ୼ ޻ۻตրࡦ܄

࣡৤ࡣ $PFG [WBMVF 1╏[╏

HS@   

HEQQD@   

HFS   

SFHJNF   

HFS SFHJNF   

@DPOT   

ඝԹ෭ଲบ _ܒଵճ૳ࠔଭ࣡ฃ କߦ୼ ޻ۻตրࡦ܄

࣡৤ࡣ $PFG [WBMVF 1╏[╏

HS@   

HEQQD@   

HFS   

SFHJNF   

HFS SFHJNF   

@DPOT   

ඝԹ෭ଲบ _ܒଵਓડׂ઱஺ౢଭ࣡ฃ କߦ୼ ޻ۻตրࡦ܄

࣡৤ࡣ $PFG [WBMVF 1╏[╏

HS@   

HEQQD@   

HFS   

SFHJNF   

HFS SFHJNF   

@DPOT   

(13)

ܒଵֽߦ઴ծ࣫஺୪ܑଭ൉௃րਏॷ୥

35

30

25

20

15

10

2000년 2012년

ֻࠨ (%1۩णॷฎ࣫஺஺ౢणண֝୪ण֗

ୀ߹0&$%4UBU

Ķ஺ুԧۇ෉࣫஺୪ܑࠜ֜ౠ෇׆଍෇઱ ૴ࠤيޭԧ஻࡟෉ฅլրण਍෉ঃจ

઩ছਏෘܣત۶ܒଵ෇࠙౷Թ෭ࢫੰ୬ۗඹߦֻ޽ଞߦऀഉଭਏॷ୥

ଡՑഠ෇࡟ۗଣրԶଣ

 ૴ࠤيޭଭ լ૴ ࣫஺৤૬ԧ ׂգํ ஹ۩෇ճ ଼ۀ ਏ୥઩ছ ୍୨ ऀۡଡ ஝ଲճ

ଵୀࠤࠜఢౢ෇઱լ୪নୋଡ஺ু්৤଼ۀ࣫஺୪఼֜ౠଡ଍ැছۀܒଵଭլ

෠઩ছ࣭ࢭ૕Զଲ࣫஺૕ֽߦଭ઴ծ఼୪ࠜԳฃ෇ۀՓଲෂ৤ୡହ

▪ ۗ࠮૴ࠤيޭଭլ૴ܒଵ࠮೩ւ۩෉࣫஺ছणਆيਓડׂ઱ছणਆ઩ଲ࠙஺࡮෇

઼׆ ݡࢂ઩ ਓડׂ઱ઁ৤ࠜ ॸԮ෇ճ ਓડׂ઱׆ԩଡ ۚౠ෇ۀ ݊ଭ ෇࠙౷ Թ෭ଭ

ٛ૳ଡ ஻୦ ୡ૳් ৤ۀ ઢଞي ਓડୀ઩՚ ஻ડผߛଲي ୍౫ડଡ ଍෉ ճ૳ ছण ਆࠜค۩෇ۀࢺੲଡࡦআ්ෂ૬ԧ଼ଣ

▪ ૴ࠤيޭܑ ୀฆॷડ ඹߦֻ޽ଲ ଼ଞي ఞ઱ୀԧ ৤ෘ෇ۀ ॷડଲ վվֽߦي ஺લ ॷડ઩ ౿૴ౄ ଼ઘ ଵࢱ ฎॷߦଭ ౫ડ׆ฎߦ ଲઘ஺׆ ઘߙ૴࡝ ೷৤ׂ ଴বൖज ԧ ೥஺ ੴੰ ଲࠜ ࣪૗෇ۀ ୨థଡ ࠬߛ් ෂ૬ ׆ొ঍ฆ৤ׂୀଭ ೷৤ׂ ଴বൖज

ࠜԳฃ්ෂ૬ԧ଼ଣ

▪ ෮୍૴ࠤيޭ઩ছܑ଺ଲڍଭܣճ଼ۀਓડऀ୺ଭլ૴ֽܑߦକ଴ଡୠැ෇஺ੴ ճ ୋ׆ਓડୀࠜ ઑॺ෇஺ ੴܑߧ ୡୣ෉ ৤ஜଭ ৤ׂ׆ԩ ট୨ଲ ଲ߿ઘா ෂ૬ԧ

଼ଡՓଞߦॷ߹

(14)

૬ઊ

ܒଵଭॷߢ઩ছܑ࣪ۀࢭ૕ԶଲԹ෭ଭׄ୨ୡตրۀੰ୬ۗրԶଠڋܛ

ָ୪૗ฃ ׆ડָ୪૗ฃ݊ଭ୪ܑୡԹ෭ଲܺࢲಅܣઘઉԧۇ෇ۗۀॷਓ઩ச ࡧ්ෂ૬ԧ଼ଣ

▪ ܒଵଠֽౖ઩ ճ૳କ઴নଲ ڔੰ஼ ࢱ࡟૴ࠤيޭۀ ૈํߙ ܒଵଭ ଍׆ ঃจր Զ ଲ ճ૳କ઴নଲ ੱฃܣճ ଼ۀ ࠮೩ ૴ࠤيޭܑ ճ૳ଭ լ஻নଡ ૗ฃ෇ճ ۗઑ෉

෴೾ଭଵୀࠤܑࠜ଺෇઱ճ૳ଭକ઴ฃࠜ౟஼්ෂ૬ԧ଼ଣ 

▪ ׆ડฆܛ઩۩෉ָ୪ܑ૗ฃ෇઱׆ડਆਆߦଵୀࠤࠜఢౢ්৤ ଼ۀฅլଡ ୺ ন්ෂ૬ԧ଼ଣ ࣑଴প଴෇ অߦ૶ॷડ஼ౢ઩۩෉ָ୪૗ฃ ׆ડଭറୀ଴

বൖजค۩݊

(15)

ܒଵֽߦ઴ծ࣫஺୪ܑଭ൉௃րਏॷ୥

Ⅰ. ছߨ

Ķ૴ࠤيޭଭճߡฃুܑۀপծ઩ছକߢࠜణଡ৤ઢଡ୨ܑߦम࠙՚஼ෘܣ

ճ଼ଞ࡝নୋେ୍ߚܑ஺ুୡଞߦઊฃ

ճߡฃ઩ݗࠛڋ଴थյࢂ୪ নୋܬฃ઩ݗࠛਓડࢂ୪݊ॷฎլ୪ୡ઱Ս࣡ฃߦ

଴ැ֝ࢢ݅ଭ࣫஺৤૬ԧम࠙՚ஹԧ

૴ࠤيޭଭ࣫஺୨థࢫ୪ܑۀੰ஻টਕন ହ׆ଦ࣡ୡఙ଀ଡ࣒ઘي஺࡮෇ճ

଼ۀՓଲ෮ਓ

࣫஺୨థ઩৤ࢱܣۀ࠭۩෉୍୨ऀۡଡැէ෇ճ஺ুԧۇ෇ճตଘୡ଴࣫஺୪

ܑࠜ֜ౠ෇ۀՓଲׂটࡿ

Ķࢠசࢫକߌ֝ԧܑ݅କॷ෉ࢂ୪݅ଡլ෠෇઼ଞ࡝ԨԨଭيޭԧళ෉ॷ୨

ଲيฅլ઩࠸ۀ࣫஺୨థଡࢳୢਏಯيԧۀԧ෇࡟լ୪ॷฎୡ଍׆઩஻࡟෉

يޭ݅ଭլ૴׆୼࣫஺୪ܑଭԹ෭ଡ౟஼

ֻࠤਆ૕ଲ೷ࠤੰଭլ૴րܑ෉࣫஺஺ౢଭค۩ԧլ୪଍׆૕ॷฎୡԫ݊ଡొ

޹෇઼ଞ࡝෮୍ۀ࣫஺஺ౢଡౠী෇ճনୋր࣫஺୪ܑࠜ઴ծ෇׆଍෉ࢺੲଡ

ணਕଞߦ࣫஺୪ܑଭԹ෭ଡ౟஼ண

ܒଵրਆଆ܃ܑ෉ݡઘߙૺ઩஻࡟෇઼ଞيনվୡ଴࣫஺୪ܑଭԹ෭ଞߦ෮୍ۀ

ੲ୨ୡ଴լ୪নୋր࣫஺୪ܑࠜ֜ౠ෇ճ଼ۀ܁Թ෭ଭֽԩ઩ۀֽߦ઴ծ෴࣫஺

୪ܑଭܑ଺րլ୕૬ীࠜԳฃ෇ۀୀକਏୋլ୪சଭଭคॺଲୀࠤୈճ଼ଣ

ࢠ֝ଭլ૴࣫஺୨థଠԹ଴ணਕଭଲڄ઩׆ొ෇઱࣫஺ౖࠜীฃ෇ۀ෉ඇվվ

ऀ୺৤ׂୀࢫ఻ڂ౾઩۩ැֽߦւߛฆܛଡଭࡿฃ෇Ջيో஼෇ۀࢺේଞߦ࣫

஺୨థଡ౟஼෇ۀլේ

Ķ૴ࠤيޭܑ૴ࠤيޭฅլ઩ୡ෍෉஺ুԧۇ෉࣫஺୪ܑࠜ֜ౠ෇׆଍ැۗࠛ

֝ԧ݅ଭ࣫஺୨థॷߢࠜՑഠ෇ճଲߦऀഉਏॷ୥ଡܑౢ්ෂ૬ԧ଼ଣ

(16)

Ɇছߨ

ڂ۩լ୪ࢫ࣫஺଍׆઩஻࡟෗஺࠮নվୡ଴࣫஺Թ෭ଞߦੲ୨ୡ଴࣫஺୪

ܑࠜକ஺෇ճ଼ۀܒଵଠ۩ඝୡ଴নվॷߢଲ࡝ܛ֝ԧଭլ෠ଞߦऀഉේบ૴

ࠤيޭ࣫஺୨థଭࢭޱ஻෉ࢺේଡࡦআ්ෂ૬ԧ଼ଣ

Ķ࣭઴֜઩ছۀ൉ํܒଵଭ࣫஺୪ܑࢳୢր୨րֽߦ઴ծ࣫஺୪ܑணਕଭԹ෭

ॷߢࠜॼආ࣪ճේบ૴ࠤيޭଭ஺ুԧۇ෉࣫஺୪ܑ֜ౠଡ଍෉ਏॷ୥ଡܑ

ౢ෇ճୀ෌

ڂ۩౑఼ୡ଍׆઩஻࡟෗஺࠮ଲࠜনվୡଞߦּ࣫෉ܒଵ࣫஺୨థଭ൉௃

րԹ෭ր୨ࢫনրࠜীԹ෇ճ൉ํֽߦ଴বൖज୪ճࠜணਕଞߦ෉ܒଵଭ

஺ুԧۇ෉࣫஺୪ܑ֜ౠଭլ෠ଡ઴֜

ܒଵଭֽߦ઴ծ෴࣫஺୪ܑߦଭԹ෭ଲ૴ࠤيޭ઩சۀਏॷ୥ଡܑౢ

(17)

ܒଵֽߦ઴ծ࣫஺୪ܑଭ൉௃րਏॷ୥

Ⅱ. ܒଵ࣫஺୪ܑଭࢳୢ 1)

Ķલॷୡଞߦ࣮ݡܒଵଠथյ౾ ୋ઀଴ ਓ஻ୀ݊઩՚઴ࢺ୨ऀఙ଀઩ছ஺଀

෇ۀॷฎ࣫஺ਏਆഗଡധ෇઱ւ۩෉෵೿ଡऀ઱ැ૜ଣ

෇஺࠮ڂ۩ొऀഉܒଵଠլ୪ୡઘߙૺ݊઩஻࡟෇઼ଞ࡝ܒଵ୨ऀۀւ۩

෉ॷฎ࣫஺ඹߦֻ޽ଡୢ࡟୍Ցഠ෇ճ࣫஺୪ܑୀ఼ࠜ৤୨්৤ࢯ઩ઢۀঃจ

઩஻࡟෇՚ܦ

Ķܒଵॷฎ࣫஺ਏਆഗଭ׆଀ଠڂܒଵଭ৤ঃૈഠඓणਆࠬ࠙೥઩ଭැ

คࠩܤॷฎ࣫஺୪ܑହ

णਆࠬ࠙೥ଭඹߦֻ޽ଠֽߦୀ ճ૳ச ֝ԧԧऀۡ෇ۀଭࡿୡ଴࣪෠ਏਆഗ ଡ׆ࢱଞߦ෌

▪ ొ׆઩ۀॷฎ࣪෠఼୪ࠜധ෇઱ճߡଲيୋ઀ߦ଴ැਆਆߦࠜऀઑ්৤ઢۀ ֽ

ߦ ۇߚଲ ઢۀ ॷޱ݅઩՚࠮ ࣫஺෵೿ଲ சઘ୷஺࠮  ଲบ઩ ாࣦଲي ਓ஻ଞߦ ଵ ଡ්৤ઢۀॷޱଡ଍෉ճ૳࣪෠ ॺ୍࣪෠݊ଞߦค۩

णਆࠬ࠙೥ۀֻଭॷฎ࣫஺ඹߦֻ޽ଲֽߦୀ݅ଭ঍ॺনଡକ஺෇ճܒଵլ୪ԧ

஺ুୡଞߦ࣌ন෇׆଍෇઱ෂ૬෇ۗճൡۚ෗׆ݡࢂ઩ܑ଺෉Փଞߦੵߙ୲଼

ଞيֻଭ୨ୡଡվգ෇ճ֝ࢢ݅ଡตրୡଞߦധ୪෇׆଍෇઱࣫஺୪ܑࠜॷ૳

෗ۗճඌԧ෇ۀ෈ୀܑ݅ୡ஺ੴଣ

Ķ୪ఙপծ۩ୢ׆ԩ઩ۀୢ֝ୡଞߦ࠮઴෉थյր׆ੰߦ଴ැܒଵଭॷฎ࣫

஺୪ܑԧׂգํค۩ܦ

ऀঃۥ෉֞଴ॣ࠮ੰۍޭॷ࠷෉֞଴ଭऀઑԧ୻઩՚ג஺஺଀ଡค۩

୪ఙপծ۩ୢଲفٍบு֫෉ܒଵଭॷฎࢢசۥ 4PDJBM%FNPDSBUT 41%ଠࢭ ଲࠬ࠙ෝ࣑ଡ୪୨෇ճվฃ֝ଡ৤ࠩ෇઼ଞ࡝ֻ݅ଭ୨౿ୡনේ ணܑஆ൞઩࠸

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ɇܒଵ࣫஺୪ܑଭࢳୢ

ۀ୪ܑࠜ৤ࠩ෇઼ଣ

ՍԳրֽߦۇߚଡକ஺෇ճڋߡ ෛઊ ୍ٍ݊ଞߦ଴෉լ୪ୡյޯଡॷୢ઩

ુࢺ෇׆ ଍෇઱ ண੽୨ऀ OBUJPOBM HPWFSONFOUۀ ֈ࣐଍෉ ࣪෠ ୪ܑࠜ କ஺්

Փଡࢳඝ෇࡟ছ࣫஺ԧค۩

▪ ଲୢଭ ֽߦୀ ணਕଭ णਆࠬ࠙೥ ୪ܑ઩ছܑ࣪ۗ ۳ ࠯ଠ ॷޱଲ ࣫஺෵೿ଡ ࢲ՚

ܦ

▪ ୪ఙ পծ۩ୢ ଲบଭ ਏ׆ۀ ॷฎ࣪ୋָ࣑ଭ ୨ण  ׂ઱৤ஜ Թট୪ܑ ค౦ ݊ଡ

ധැ ૤෴ୡଞߦ ܒଵଭ ॷฎ࣪ୋ఼ծԧ ૗নܣۀ নրࠜ Ջܪۀ ਏ׆ޭճ ් ৤

଼ଣ

▪ ڂ઩୪֝ऀઑ࣑ ୢ୕็঍ୀ କ୻ୀ࣪ผ୪ܑ ڂ઩఻ীڂ࣫஺࣑ ڂ

઩վୡऀ୺࣑ ׆୼ଭथࢢ֜୪୪ܑࠜୢࢱୡଞߦ ୍୺୨  ڂ஻ડܑ࣪ࢫਓડ

࣪෠઩ւ෉࣑ࠔ݊ଡ୪୨෇࡟ছ࣫஺ԧค۩

ੰܕඹํൌ߇ଭي౿ԧு֫෉ڂ۩઩ܑܒଵଭॷฎ࣫஺୪ܑԧ࣌ন෇઼ଞي

ࢺේনଲુୢրۀۜޭீ

▪ ي౿ଭଲڄ઩ݗޭथյ෉ॷޱ݅ଠ঍ࢄ෈ୡଞߦવ݊෉ॷޱଞߦ౫ׂܣતଞ࡝ֻ

݅ଠ ܒଵଭ լ୪૕ ՍԳ઩ୢ෬ ׆઱ࠜ ් ৤ ઢ׆ ݡࢂ઩࣫஺෵೿ଭ ৤ׂଲ Ջऀ

ܣતଣ

Ķ୪ఙপծ۩ୢଲفيճ൪ୢ֝ଲܤܒଵଠࢄࠤୡଞߦ෺ଠ୨਑ୡଞߦৃঃ

ܤঃ೾઼ଞ࡝୍Սଡ଍෉࠭ண෉ହࡿ઩஻࡟

ୢ୕ଲบܛܒրছܒଞߦंۚܤܒଵଠԨԨঅߦ૶୨ऀࠜ৤ࠩ෇઼ۀ܁ছܒ ଠڂଁଵঅߦ૶ෝ࣑ଡ୪୨෇઼ଣ

অߦ૶ෝ࣑ଠ઴ࢺ୨ऀԧ઴ࢺ࣑ଡ୪୨්৤଼ۀ֫෉ଡசճ ॷฎ࣫஺ਏਆഗ ଡড්ࠩ৤଼ۀଵࢱୡ଴ॷฎ࣑ଭ୪୨րॷฎ࣪෠ ճ૳࣪෠݊઩۩෉୺ාଡ

එ෌෇ۀڋܛ࣑ଭ୪୨ܑԧۇ෇ܑߧ෇઼ଣ

ෝ࣑ଲ୪ୀࠤࠜణੰԧ࡟ছܒଵଠ֝ԧଭ୍Սଡ଍ැசߚ෇઼ଞ࡝ڎް࠮෉լ ୪ୡনրࠜۜন෇઼ଣ

▪ ෇஺࠮ ଲ߇෉ լ୪ୡ নրࠜ ේକ් ৤ ઢۀ ծ౾ܑ ࢳ঍෇઱  ۚ஺ थյଡ ࠭ଞߙ ۀ ڋߚܑ࣪ۗ  ബ஻ୀ݅ଲ ܒଵଭ নվଡ ෌״ ڧࠧ ৤ ଼՚ ෇׆ ଍෇઱ ઴ࢺऀ୺

୪ܑଭෂ૬নଡ଴஺෇՚ܣતଞ࡝౟บॷฎऀ୺࣑୪୨ଭծ׆ԧܦ

IUUQXXXDZCFSXFMGBSFPSLSJOEJOENBJO@QIUN

IUUQXXXDZCFSXFMGBSFPSLSJOEJOENBJO@QIUN

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ܒଵֽߦ઴ծ࣫஺୪ܑଭ൉௃րਏॷ୥

▪ ڂ઩ۀܒଵଭ઴ׁ୪ܑԧրՋହׁ৤ஜր઴ծܣ࡟ছହׁଭঃ਎઩ݗޭ஺ׂ

ઁܑՋଭܪࢼ৤ஜג஺ஹԧ෌

઴ࢺਓડׂ઱૕઴ׁׂ઱ԧ୼୍෇઼ଣ઩ܑऄ֜෇ճ࠯ଠܒଵ଴݅ଲ࣪෠ଭॷ Ԩ஺۩઩ছथյ෉ॾଡॼճ଼ۀՓଞߦੵߙ஺࡟ছڂ઩઴ࢺॷฎऀ୺࣑ଲ

ଭฎࠜധր෌

▪ ࣑ࠔଲധրܣ࡟ছ ܒଵଭ ּथ౾઩՚ ॷฎ࣫஺ऀ୺ࠜ ஺්ׂ ৤ ଼ۀ ઴ࢺ୍୨ ਏ ਆഗଲܑ଺ܦ

▪ ܛ࣑ࠔ෇઩ছ୨ऀۀּथ౾઩՚ࢂࡣฃܤ৤ஜଭౖୠী݂ଡ࣪ୋැச׆଍ැ৤

෵۩ঃୀ઩՚౦ं෉ׁઁଡ஺଀෌

઴ࢺॷฎऀ୺࣑෇઩ছׂ઱ࠜࢲ׆଍ැছۀ৤෵ୀۀۗࠛࡦ݃ԧۇ෉஺଀ଡ

ଲࢠۗী஼෉ঃ೾ଲઘઉ෇࡝ׂ઱ۀۗଣଭܪԧ஺୺Սଡ࠮୻෇ۀլ૴઩஺

ׂܦ

▪ Թ଴઩՚ԧୋୡୣ෇՚୪վܥ৤଼ۀׂ઱ଭஂࠑ૕ઁ৤ࠜէ୨෇׆଍෇઱৤෵

۩ঃୀۀԹ଴ଭঃจ઩۩෇઱ඌԧࠜࢲੰઉ෌

▪ ৤෵ୀۀ ౖஂୡऀ୺ׁઢଲܑ঍ฆ්৤଼ܑߧ ৤෵ୀଭۇߚଡౖ۩ฃ්৤଼

ۀծฏଡԧ஺ճ଼ઘઉ࠮ׂ઱ࠜ஺ׂࢲଡ৤଼ଣ

▪ ۗ࠮৤෵ୀԧׂ઱ࠜࢲଡ৤଼ۀ׆ԩଭ୪෉ଡড୨෇஺ۀੴ੼ଣ

Ķޭ଴Գଭ׆ୡ઩ܑऄ֜෇ճܒଵଠڂ۩ऀഉլ୪઩ઽේଡࢠ౿ۀ૤ऀ౦

գଡୡୣ෇՚Ԯۥ්৤଼ۀਏਆഗଲ֜ౠܣ஺࡮෗ۗۀणൡଲ୪׆ܦ

ܒଵଠճඨாଭীण୍୪୺ડ઩࠯ଲଭ୼෇ۀॺડ֜୺ࠜԧ஺ճ଼તۀ܁൉୨

෉׆ԩ઩ۀۗࠛيޭ݅࣪ۗڔଠনրࠜ࣪ଵ৤଼ત஺࠮ۗࠛيޭ݅࠮೩׆২

ணਕୡ଴ॺડଲࢳۜ෇஺ੴੰڂ۩ଲบ઩ۀۗࠛيޭ݅ଲ࣪ۗեճ෉լ୪ নୋଡଲ߿ઘيԲଣ

ॣ࠮ੰۍޭܒଵଭॺડଠୀ఼ୡଞߦճକ෉ࢂ୪ࠜԧ஺ճ଼તଣ

▪ ୨ऀ૕ڋܛ୺෍ଲ ܒଵଭ ճ૳ச݅઩ ۩ැ ࠭۩෉ ઽේߚଡ ෘॷ් ৤ ଼ۀ ֜୺ࠜ

ԧீ

▪ લॷୡଞߦ ܒଵଭ ֽߦୀ݅ଠ ڋܛր լઽଭ ෱ߚୡ ւծߦऀഉ ෘ૶ଭ ৤෵ୀߦছ

পঃ઩ছԧୋڔଠ৤ஜଭହׁրԧୋڔଠ৤ஜଭ࣪෹ࠜࢲۀֽߦୀ઼ଣ

▪ ଴ ଲঃଭ ֽߦୀࠜ ճ૳෇ۀ ฎॷ઩ছۀ ֽߦୀ݅ଲ ૬֜෇ۀ լ૴ ڋॷ෱ଭฎࠜ

ডࠩ෇઱ઉ෗ۀ܁ܛڋॷ෱ଭฎۀฎॷٛ઩ছ࠭Գ෉ઽේߚଡෘॷ෇઼ଣ

(20)

ɇܒଵ࣫஺୪ܑଭࢳୢ

▪ ڋॷ෱ଭฎଭ਎଴ઢଲۀฎॷԧֽߦୀࠜැճ෇ۀՓଲ࠻૴ઘߙ૶֜୺

▪ ฎॷଭլઽ஼઩ ଭැ ઉ׆ܤ ઘݪ෉ ڋॷւծଭ ࢂ୪ޭܑැۥ ॷාଠ ܒଵଭ ැճ ࢺ஺࣑ 1SPUFDUJPO"HBJOTU%JTNJTTBM"DU෇઩ছֽߦୀࠜ଍෉࣑ࠔୡ࣪෹઩ݗޭ

ැէܣઘઉ෇࡝ ฎॷԧֽߦୀࠜැճැઉ්ݡ઩ۀॷฎୡଞߦ୨ۥฃܥ৤଼ۀ

ଲକࠜছ࡟ଞߦ୪ਏ෇઱ઉ࠮෌

ଲ߇෉ڋॷւծ୨థଠܒଵٛ׆ડଭլઽଡઘߞ՚෇ճ׆ડ઩՚࠭۩෉ण૳

ଡࢳ঍ਏ೬ۀՓଞߦছܒଵଠ׆ડ݅ଭٗଠ৤ଳন ׆ડ݅ଭැ૤ߦଭ঍ॺฆ ܛଲୢ݊րԶଠ࠭۩෉ण૳ଡ஺ऄැઉ෇ۀէրࠜొ޹

Ķ׆ડլઽրւߛܤࢂ୪ଲ૤઩ܑܒଵଠլ୪׆ୡଲบׂգ෉଴֜֜୺ଭ࣡

ฃߦ଴ැլ୪ঃจଲੱฃܣ࡟ছ࣫஺ऀۡଲஹԧ

ܒଵଭٗଠౢ঍ࠔଠڋܛ଴֜ࠜԮীਏಯॷฎ࣪ୋ୍଀ଡ஝ଲճଠബୀԧ஺ু

ୡଞߦ઴ׁଡ৤ׂ෇ۀ܁ࢂ୪ߦୁ૳

ܒଵଠୠౢॺଞߦ଴෉լ୪ୡࢂ୪ࠜ૗ฃ෇׆଍ැକߌଭบ஼֝ଞߦऀഉ૤֝

଴ڋܛୀࠜࢲੰ઼݅ۀ܁૤֝଴ڋܛୀ݅ଠෂ૬෉ୠ৥ߛڋܛߚଡ୪վ෉ۗۀ

౸࡟઩ছۀׄ୨ୡ଴ऀंଲ଼તଞي૤֝଴ڋܛୀ૕஺લசࢢրଭऄฃஹԧ լ ୪ऄจ׆ܒଵਓ஻ୀ݅ଭୡ۩ਕஹԧ݊ऀୁ૳ܑొ޹

 ෉ඇ ૤֝଴ ڋܛୀॣ࠮ ੰۍޭ ୢ পծଭ ࠷ࡣୀܑ݅ ঃ۩ୡଞߦ ւ۩෉ ܒଵଭ

୨౿࠷ࡣ࣑ଡଲ૳෇઱ܒଵߦࡦ઱݅તଞ࡝&6֝ԧ݅ଭ֝ࢢܑ݅ଵୀࠤࠜణੰ

ܒଵߦଲܛ෌

▪ ܒଵଠ࣑ࠔ઩ݗޭ࠷ࡣୀଭ࠷ࡣଡՑഠ෇ۀ׆ԩ઩ܑࡦ݃࠷ࡣୀ݅઩՚୨ऀ஺଀

ଭඇଭࠜ୪վැઉ෇ۀଭࡿࠜԧீ

▪ ܒଵଠ &6 ฎ଀֝ଞߦছ ۗࠛ &6֝ԧ ֝ࢢ݅ଠ ܒଵଭ ଲࢢ֝઩ ۩෉ ෛԧ ઢଲܑ

ܒଵ ٛ઩ছ ୀକ߫՚ ֜஻ฆܛଲ ԧۇ෗ۀ܁ ଲ݅ଠ ଵୀࠤॣ࠮ ੰۍޭ ܒଵଭ ॷ ฎׂ઱ࠜࡧୡଞߦܒଵߦଲܛ෇ۀॷߢ଼ܑતଣ

Ķপ׆บࢱܒଵॷฎ઩ԧୋ೧ऀۡଡஜՓଠࢭߦছܒրܛܒଭധଵହ

ڂࣕࠜࠦୋ࣠ऊ֏ଲบ ଵߛଭധଵր୨ଠܒଵ઩՚࠭۩෉ऀۡଞߦୁ૳

ছܒ઩ছۀށۗࠛ෴೾ଭ ܛܒଞߦऀഉ۩ָࡦଭଲசࢢକ଺ଡԮۥැઉ෇ۀ

ઘߙૺ઩஻࡟

(21)

ܒଵֽߦ઴ծ࣫஺୪ܑଭ൉௃րਏॷ୥

▪ ܛܒଞߦऀഉଭ۩ָࡦଲசࢢଠଵୀࠤࠜణੰছܒଞߦଲச෇઼ଞي ੲ୨ୡ଴ଵ

ୀࠤࠜ ణଡ ৤ ઢۀ լ૴઩ۀ է֝ ॷฎ࣫஺ ছणਆ઩ ଭ୼෇ۀ थյծ౾ଞߦ ْ՚

ܣ࡟ছऀۡଞߦୁ૳

ܛܒசࢢଡܛܒ஺લ઩ࡉࡿ࠙՚෇׆଍ැছۀ਑්߲࠮෉୺౿ԧෂ૬෗ଞ࡝ଲ

ࠜ଍ැ‘ܛÂছܒլ୪ÂॷฎÂധฃധ෍୺ઊ’ଡധැฃඍധ෍ଲۚෘ

▪ ܛÂছܒ ฃඍ ݊ԧ֗ฅଡ ૬஺ߦ ෇઱ ܛܒசࢢଭ ହׁÂ઴ׁÂীָࡦ ଠෘુׁ઩

۩ැছۀߦ ׆೴త֫Âతࡿۀߦ֗ฅഠߧָ୨

▪ ছܒࠬ࠙೥ฃଭୢ࡟ܑ଺ଠܛܒլ୪ԧրܑ׆ઢଲਏୋլ୪఼୪ߦୢฅܣۀՓଡ

ଭࢠ෗ճܛܒլ୪ۀնࢭߦࡿ٪஺׆ਏୁ

▪ ݊ԧ֗ฅଠ ෂ઴ୡଞߦ ࢄԧ૕ ହׁଭ ܛࢱঃ਎ଞߦ ଲઘா ৤ࢯ઩ ઢતଞ࡝ ܛܒ଴

݅ଠ۩߆ਓ஻ঃ೾ߦٛࡪࠤ՚ܣۀէրࠜొ޹

ܛܒրছܒଭڋܛਏୋଲധ෍ܣ࡟ছܛܒ஺લହׁଲׂুํঃ਎෇ճଲۀܛܒ

஺લਓડࠔଭׂু෉ঃ਎ଡକࢳ

▪ ܛܒ஺લ ֽߦୀ݅ଭ ছܒଞߦଭ ଲச  ܛÂছܒ ࠬ࠙೥ଭ  ฃඍധ෍  ছܒ஺લଭ

ହׁ෇ޮଡ ૴ߙ෉ ছܒ஺લ ڋܛ୺෍ଭ ܛܒ஺લ ହׁറ୕ ݊ଠ ܛܒ஺લ ହׁଡ

঍ॺনଭஹԧઢଲছܒ஺લହׁ৤ஜ઩ֽ୦෇ۀ৤ஜଞߦঃ਎ਏ೰

▪ ঍ॺࢄԧ౿࣪ۗ ڔଠ ହׁ৤ஜଡ Ԯۥ්৤ ઢۀ ׆ડ݅ଠ ۩߆ ැճԧ ऄԧ඿෗ଞ

࡝ധଵบࢱڂ࠮઩ܛܒ஺લਓડࠔଠࠜొր

ധଵଲบࡤڂܛੲছܒ઩ছܛܒଞߦ஺଀ܤׁઁܑ࠻ڂ ઙ CJMMJPOࠬ

࠙೥઩ଲ࠙ۀՓଞߦي೴ْ

▪ ෮୍ܛܒ஺લ઩۩෉࣪୺ׁଠࡦ݃઴ࢺ୨ऀপׁٓऀୀ݅઩՚౟ԧߦऀր෇ۀ઴

۩প TPMJEBSJUZUBYࠜധ෇઱஺଀෇ճ଼ଣ 

ധଵଲบܒଵ઴ࢺ୨ऀۀ࠭۩෉୍୨஺଀ଡ୪վ෇઼ଞيڂ۩݅ઘছܑր Ջܛܒ஺લଭլ୪ۀઘߙૺଡդճ଼ۀঃจ

▪ րܑ෇՚ڔଠਓડࠔր఻ڂ౾Âճ෈ߚ౾ଭছܒ஺લଞߦଭଲசۀ஺ুୡଞߦ୪׆

ܤࢂ୪ହ

▪ ෇஺࠮ܛܒ஺લଭ ச૬஺લଡ ԧୋ ࡿ׆ߚ෇՚ ࠮݁ۀ Փଠ ܛܒ઩෮۩ ୀ࣭சଭ

ॷฎ઩ছ ঍୼ ԧۇ෉ ॷฎߦ ࣡ฃਏ೯ ৤ ଼ۀ ౦ं෉ ׆ࢱਏড JOGSBTUSVDUVSFଲ

Սࠩܣ׆ୢ઩஺଀ׁଲي୍଀ଲணۚܥՓଲޭۀ૴ߙ઩׆଴

(22)

ɇܒଵ࣫஺୪ܑଭࢳୢ

네덜란드 8

6

4 2 0 -2 -4 -6 -8 -10

영국 오스트리아 프랑스 핀란드

덴마크 독일 벨기에 스웨덴

1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012

Ķ੿઩ছચׂ෉૬଴݅ଠܒଵଭլ୪ॷฎୡऀۡଡԧணਏವଞ࡝է֝ܒଵٛ

࣡ฃଭෂ૬নଲ۩ܪ

ܒଵଭਕԨ෉լ୪ࢂ୪૕ਓડࢂ୪઩஻࡟෇઱ܒଵଭ਀߲۳৤ঃրլ୪ఞࡦ஼

݅ଠଲ઩۩ଦ෇׆଍෇઱ઉਕఛծฏଡ౟஼෇઼ଞ࡝ࠬಅٛ෇࠙౷Թ෭ଡඑ෌

෇ۀੰ୬ۗඹߦֻ޽ଡࢳඝ෇՚ܦ

ֻࠨକߌச૬֝ଭլ୪নୋࠔ࣡ฃ౟ଲ



ୀ߹&VSPTUBUԨڂܑ

(23)

ܒଵֽߦ઴ծ࣫஺୪ܑଭ൉௃րਏॷ୥

Ⅲ. ܒଵ࣫஺୪ܑଭ൉௃

Ķ׆࣭ୡଞߦొ׆ଭܒଵ࣫஺୪ܑۀୢ෴ୡ଴࣪৤ୡ࣫஺֝ԧ఼୪ଭ൉নଡԧீ

࣪৤ୡ࣫஺֝ԧ෴೾ଭ൉௃ԧ૶܁෇يۀॷฎ࣪෠ணਕଭ఼୪଴܁ࢭߦܒଵ ଭ࣫஺఼୪ԧ“ॷฎ࣪෠֝ԧ఼୪ TPDJBMJOTVSBODFTUBUF”ޭճ්৤଼ଣ

ॷฎ࣪෠ଭశ෈઩ݗޭܒଵଭ࣫஺୪ܑۀசߦ෵೿৤ׂଭෂ৤୺Սଠճ૳ւ ծޭۀָ࣐ୡॷճٛ઩ছହֽׁߦୀணਕଭॷฎ୨థଡ୪վ෇ۀՓଲતଣ

ॷฎׂ઱ۀଵࢱপׁଲੰۍޭֽߦୀ૕ճ૳சԧऀۡ෇ۀܛ݊෉׆઱ׁ઩ଭැ

୍଀ଲ୺ۜܣۀਏਆഗ

ী୍݂ंࢼܑॷޱԩ୍ंࢼԧੰۍޭԹ଴ଵ঍઩ছଭ୍ंࢼ઩ւਕଲ࠯੼ଞ࡝

ୢบ઩ۀছߦۗࠛॷฎ࣪෠ডծ઩ݗޭ׆୼ଭ঍ฆ৤ஜଡକ஺෇ۀՓଲச૬

ࡧඝ઼ଣ

ଲࠜ଍ැਓડ࣪෠ׂ઱఼୪ࠜۗଣրԶଲକ஺෇઱ֽߦୀଭ঍ฆੲ୨ଡۜন෇઼ଣ

▪ ଲୢ ী݂ ۩ण ۩఼ଘ _ࠜ କ஺෌ଞߦਭ ਓડ׆ԩ ܛੲ ֽߦୀଭ ੲ୨ୡ଴

ী݂ଡ࣪ୋ

▪ ొ׆઩ۀਓડୀԧࢲੰ݅઱ઉ෇ۀୡۥ෉ଵୀࠤଭԹڄଲଲୢଭଵୀࠤ૕ण֗෇

઱ ହׁଲ ୡՋي ஻ஂଭ ாଲ ۳ ٗଠ լ૴઩ۀ ැۥ ଵୀࠤࠜ ࢲੰ݅ଲ஺ ੴੰܑ

ࡿࢺ්୨ܑߦւ۩෇՚୨ଭܦ

ڂ઩ۀڋܛ஼ๅ࣑ -BCPS1SPNPUJPO-BXଲ୪୨ܣતۀ܁ଲۀۗઑ෇ճୡּ

ܒଵॷฎ࣪෠୪ܑۀ࣪෠ଭ଀ಀ ઴۩ଭ଀ಀ ୀ౿ଭ଀ಀ݊ଡச૬൉௃ଞߦ෌࣪෠ଭ଀ಀଲޯ଍

෠ଡ ॷฎ઴۩ ু઩ছ ंۡ෇ۀ ࣪෠ ୪ܑࠜ ׆࣭ଞߦ ෉ۗۀ Փଞߦ ࣪෠ԧ଺ୀ݅ଲ ࣪෠߹ ஺ऄଡ ധැ

࣪෠׆ւଭࢱ۩ׂऀ઩۩෉࣑ୡ֫ࠤࠜ࣪କ෇ۀՓହ઴۩ଭ଀ಀଲޯ࣪෠߹ଭঃۥԧ౿ଭ෴೾ԧ଍

෠ଭ ॷฎୡ ֹ෴ଭ ૬ী૕ էऀܣઘ ଼ઘ ࣪෠߹ ઁ৤ۀ ী݂઩ ݗޭ ఙଲԧ ଼ଞي ࣪෠෵೿઩ ଼ઘছ ۀ ܛ݊෇ۗۀ Փଡ ଭࢠ ࠬ஺࠭ଞߦ ୀ౿ଭ ଀ಀଲޯ Թ࣢ୡ ॷฎ࣪ୋ࣪෠ଠ ࣑଴෴ਐଞߦ ୺஻ฃܣઘ

ୀଘୡ଴ థହ ෇઩ছ ڋॷ ઑ౸઩ ଭැ ւࠤܣ࡝ ୨ऀۀ ࣪୺নଭ ଀ಀ઩ ݗޭ ࣑ୡ Ԯܒଭ థହଡ ۡۥ

෉ۗۀՓଡଭࢠ෌

(24)

Ɉܒଵ࣫஺୪ܑଭ൉௃

ාࡧ ٛ૳ ࣪෠߹ ࣪෠ׂ઱

઴ׁ

࣪෠

 ୨ڂ઩ݗࠛڋߡ઴ׁଭլ૴

ౖীڂଲঃ࣪෠ԧ଺ୀߦ ছ࠮পऀഉ৤ׂଲԧۇ

 ࡦֽ݃ߦୀ૕ॷࡿ଀ଠଭ

ࡿԧ଺ଲ࡝ ଭࡿԧ଺ୀԧ

ੰۍޭܑ ୀକଭॷ઩ ݗޭ

ԧ଺ԧۇ

 ڋߡ઴ׁ૤઩ܑୋ઀઴ׁ  କ୻઴ׁ݊ଲ଼ଣ

 ী݂ଭ ࠜ ֽߦ

ୀ૕ ॷ૳ୀԧ ୣࢱ੩

ऀۡ ڂ׆ஜ

 ڋߡ઴ׁଭլ૴ඌֹୡଞߦହׁଭ

 ෮୍ۀࢠ࠮ଞߦ୺୨

 ୋ઀઴ׁଠী݂ۇߚଲ૗ୢํԮബ

෇Ջيऀंৃਓܤୀ઩۩ැ஺ׂ

 କ୻઴ׁଠԧ଺ୀԧॷ࠷ۥਏ઴

ׁ৤ׂୀଲતՋي࣪෠߹ٓऀ׆ԩ ଲڂଲঃ଴լ૴କ୻઩՚஺ׂ

ଭ߹

࣪෠

 ۩ऀंଭ ֽߦୀۀ ୀܛୡ ଞߦ࣑୨ଭ߹࣪෠઩ଭࡿ

ୡଞߦԧ଺

 ࣑ୡ ଭ߹࣪෠߹ۀ ડ

ஂ࣢ߦۗীఙଲۀ଼

ଞي ඌֹୡଞߦ ହׁ

ଭ_ଲ࡝઱೴࣪

෠րԶଲڋॷԧୣࢱ ੩ऀۡ ڂ׆ஜ

 ֽߦୀԧாࣦށۀॷճࠜۥ෉լ

૴୪ࢱ౿߹૕૬ઑࢫী୨ଭୋ

ߢण஺ׂ

ճ૳

࣪෠

 ࡦ݃ ֽߦୀۀ ճ૳࣪෠઩

ԧ଺෇઱ਓડਏਓડׂ઱

ࠜࢲଣ

 ֽߦୀ૕ ॷ૳ୀԧ Ԩ Ԩୣࢱ੩ऀۡ

 ହׁଭֽࠜߦୀ

૕ ॷ૳ୀԧ ऀۡ

ڂ׆ஜ

 ઴ߡ઩ݗޭ୨ැ஼׆ԩܛੲஂୢ

০ହׁଭ  ୀڀԧ ઢۀ լ૴

઩ැۥ෇ۀਓડׂ઱஺ׂ

ॺ୍

࣪෠

 ॺડ୍ැߦ଴෉౿߹૕ୀ

୨঍ฆଭ ੲ୨ଡ ܑࡦ෇׆

଍෉ ࣪෠ଞߦ ૬ઑׂ઱ 

ิડׂ઱  ஻ડ୍ฆׂ઱ 

ୋ઀ׂ઱  କ୻ׂ઱ ݊ଲ

଼ଣ

 ֽߦୀ ऀۡंଠ ઢଞ

࡝ ॷડசۀ ଍෠ׂ݊

઩ݗޭఙ݊ฃܤ࣪෠

߹ࠜ ٓऀ෇ۀ܁ ඌֹ

ୡଞߦ ହׁଭ 

ڂ׆ஜ

 ૬ઑׂ઱ଵ఼ଭण૳஺ׂ

 ิડׂ઱׆ஜী݂ଭ஺ׂ প

ׁ݊ଡվ୪෉০ী݂ొրऄԧ

 ஻ડ୍ฆׂ઱ ԧ୻ւծ઩ ݗޭ ׆ ஜী݂ଭ

 ୋ઀ׂ઱ڋܛۇߚଭঃਓ୨ܑ ୢ

ڂܑী݂݊ଭ׆ஜଡଲ૳෇઱է୨

 କ୻ׂ઱ ઴ԩֽߦী݂ଭ ࠜ

ొր්৤ઢଣ

ԩࣦ

࣪෠

ୋ׆

૬ઑ

࣪෠

 ෑԧ୻୪ܑ ෇઩ছ ڋ଴ଭ

ԩࣦ Ջܛ࣪୺݊ଡ஺଀

෇׆଍෉Փ

 ڂ࣑ୡଞߦԳ୪ୡԩ

ࣦ࣪෠୪ܑࠜ ܑ଺෇઱

ڂऀഉਏෘ

 ֽߦୀ૕ ॷ૳ୀԧ ହ

ׁଭࠜୣࢱ੩ऀ

ۡ ڂ׆ஜ

 ՍԳో஼ࢫாࣦુࢺଡ଍෉ׂ઱ 

ாࣦଭ୺׆ࢳեଡ଍෉ׂ઱ ாࣦ

ਏଭׂ઱ ହ਑ࢫౢॺ઩۩෉ׂ

઱ ฅୀ৤৉ण૳ଞߦيڧઘ஺ׂ

ୡڋܛਏୋ୨థଡୋߙ

▪ _ڂ۩ ొ઩ۀ ॷฎ࣪෠ ୪ܑԧ ׆࣭ୡ଴ ॷฎ଍෠ଡ ࠭ੰசۀ લ්ଡ ۡۥ

෇ճॷฎऀ୺ۀౖী঍ծࠜۡۥ෉ۗۀ౸࡟઩ছୂ઱ୡনգଲԳ෇઼ଣ

ඝܒଵଭ۩ॷฎ࣪෠୪ܑ

ୀ߹ܒଵ۩ॷւ ܪॺࢽրॷୢ ଴ഉٽୀ߹݊

(25)

ܒଵֽߦ઴ծ࣫஺୪ܑଭ൉௃րਏॷ୥

ාࡧ ਓડׂ઱ ਓડऀ୺ ॷฎऀ୺

ୀգ

ଲୢڂணౖୠԹଁ

ԩਓડ࣪෠۩ঃଭଵୀ

ࠤ઩ճ૳ܤୀ

ਓડ࣪෠৤ׂ࠮߹ଲบ

ճ૳ܤୡଲઢՋي ౖୠ

࣪ୋী݂઩࡮ࢠ౿ۀਓ ડׂ઱ࠜ ৤ׂ෇Ջي  ਓ ડׂ઱఻֜֫ଲઢۀॷ ޱ݊ଡ۩ঃ

ୀॺ୺ॷ ઢଣ ଼ଣ ਓડऀ୺࣪ۗ ۳ ઠգ෉

ୀॺ୺ॷ

ச૬୍଀ ڋॷଭ࣪෠߹ ୺প ୺প

ׂ઱ࢺਐ ஂୢী݂઴ծ ஂୢী݂઴ծ ଵࠔୡ

ׂ઱৤ஜ ஂୢী݂ଭ ऀઑԧ

୻ଲ଼ۀլ૴

ஂୢ ী݂ଭ  ऀઑ

ԧ୻ଲ଼ۀլ૴ _କߦ

ׂ઱׆ԩ ౖ۩Թଁ ઴ߡ׆ஜ ࡿ׆෉ ࡿ׆෉

Ķڂ࠱ג஺ܒଵ઩ۀਓડୀࠜ۩ঃଞߦ෇ۀԧ஺෴೾ଭׂ઱ਏਆഗଲ૶

ઽܣճ଼તଣ

ਓડׂ઱ "SCFJUTMPTFOHFMEਓડ࣪෠઩ছ஺ׂܣۀׂ઱ߦছ׆઱ׁ઩ଭැ୍଀

୺ۜܣ࡝ ෉୨ܤ׆ԩ઩෉෇઱ ࠬ஺࠭ହׁ৤ஜ઩ݗޭছէ୨ܦ

▪ ֽߦୀ૕ճ૳சԧ౑ହׁઁଭࠜԨୀऀۡ

▪ ଵୀࠤࠜସ՚ܣ࡟ࠬ஺࠭০ী݂ଭ ऀઑୀڀԧ଼ଞ࡝ࠜԹଁג஺ࢲ ଡ৤଼ଣ

▪ ஺ׂ׆ԩଠ֜஻ୀଭ઴ߡ ਓડୢڂܛੲଭ౫ડ׆ԩ݊઩׆ొ෇઱է୨ܦ

ැ۩ঃୀࠜէ୨

▪ ࠬ஺࠭ࢲଠହׁ৤ஜ઩ݗޭէ୨ܣ࡝ࠬ஺࠭০ହׁଭ ऀઑୀڀԧ଼ۀլ૴

৤ஜହ

▪ ਓડׂ઱ଭ৤ׂ׆ԩଲ࠮߹ܤଲบ઩஺ׂܣۀׂ઱ߦছࡿ׆෉஺ׂܣۀ൉௃ଡԧீ

ॷฎऀ୺ 4P[JBMIJMGFౖஂୡ଴ॷฎੲୢ࠷ଞߦছ঍ծ଍෠ଞߦऀഉଭ࣪෹ࠜ଍෉஺଀

▪ ॷฎऀ୺ܑୀॺ୺ॷࠜധැছ۩ঃୀࠜট୨෇࡝஺ࢺୀ౿୪ԧథହଡ஺ճ஺଀

▪ ॷฎऀ୺ۀ ਓડׂ઱ي ਓડऀ୺ࠜ ࢲ׆ ଍෉ ଵ୨׆ԩଭ ࣪෠ׁ ٓऀ ׆ԩ DPOUSJCVUJPOQFSJPE୺Սଡ౦୻ਏ೬஺࡮෇ۀॷޱ݅઩۩෇઱஺ׂ

▪ थյট࣪ۗڔଠౖୠ঍ฆଡ࣪ୋ෇׆଍෇઱஺ׂܣ࡝ࡿ׆෉஺ׂܣۀ൉௃ଡԧ஺ճ଼ଣ

ඝڂଲୢਓડୀ۩ঃ஺଀ਏਆഗ

ୀ߹୨ࣦজ૤ ࠜఞճߦ৤୨ࢫ࣪૗

(26)

Ɉܒଵ࣫஺୪ܑଭ൉௃

90 80 70 60 50 40 30 20 10 0

실업 1개월 후의 소득 대체율 실업 6개월 후의 소득 대체율 장기 실업자 비중 영 국 미 국 스 위 스 스 웨 덴 스 페 인 포 르 투 갈 네 덜 란 드 독 일 프 랑 스 핀 란 드 덴 마 크 벨 기 에 오 스 트 리 아 호 주

Ķ෇࠙౷Թ෭ୢג஺ ઠࢤํ࠱෇࡟෇࠙౷Թ෭*7ୢג஺ܒଵଭ࣫஺ਏਆഗଠ

0&$%ۗࠛ֝ԧ݅઩णැছրܑ෉౸࡟ଲ଼તଞ࡝ֽߦକ଴ଡୠැ෇ۀ૬଴

ଲ୼୍

ܒଵଠ0&$%֝ԧண઩ছୢହׁր઴ծ෇઱ࡿ׆෉஺ׂ෇ۀਓડऀ୺ਏਆഗଡ

ԧ஼କଵ෉֝ԧ઼ଞ࡝էրୡଞߦୋ׆ਓડୀ઩۩෉০ী݂۩఼ଘଲ0&$%֝

ԧԧ૶܁ԧୋڔଠيޭ઼ଣ

ଲୢହׁ৤ஜրଭ઴ծ ࡿ׆෉৤ׂ׆ԩ݊ଠڔଠ৤ஜଭ֜୺ୡਓડଡొ޹෇

ۀச૬଴ଲܣતଞ࡝ଲୢ઩ڔଠହׁଡࢲ੼۶ֽߦୀ݅ଭլ૴ਓડୀԧܣઘܑ

ଲୢ࣪ۗٗଠହׁଡ୪ਏ෇ۀঅߦ૶ଵୀࠤࠜࢲੰ݅ଵଲକԧઢતଞ࡝ଲۀਓ ડୀଭֽߦକ଴ଡୠ෇ਏ೬ۀ૬଴ଞߦୁ૳

׆୼ଭਓஹୡ઴֜઩ছܑଲୢׂ઱ଭ׆ԩଲ׊ઘ஺࡟֜஻ୀଭ֜஻କ଴ଲԮী

෇ճਏୋ઩ছଭହׁܑঃ਎෇ۀՓଞߦي೴ْ

0&$% ۀী݂۩఼ଘଲڔଠ֝ԧ݅઩ছۀଲࠜٗౢෂ૬ԧ଼ଞ࡝ ֜஻ฆ ܛଲฆࢳැ஺ճ౫ડଲฆনฃܥ৤଼ܑߧ৤෵׆ԩܑ୪෉ଡܭෂ૬ԧ଼ճ  ଵ්৤଼ۀॷޱ઩՚ۀ৤ׂଡ଍෉୺Սଡऀր්ෂ૬ԧ଼ۗճચׂ

ֻࠨச૬֝ଭਓડ׆ԩ࣢ী݂۩఼ଘࢫୋ׆ਓડୀणண

ۚ଍

சڂ׆ஜ ڂԩֽߦլߚଲ଼ۀপֽߦୀ׆ஜ

(27)

ܒଵֽߦ઴ծ࣫஺୪ܑଭ൉௃րਏॷ୥

Ķଲ߇෉࣫஺఼ծۀֽߦକ଴ଡԮীਏ೬ۀէ෌ଡԧ஺ճ଼ઘছࢂ୪ଭী஺ԧ

଼તଣ

ਓડऀ୺ۀ࣑ࠔୡଞߦࡣਏܤԧٍ෉ॷޱଭֻࠄ઩՚࠮சઘ஺ۀ܁Ԯܒ׆ւଞߦ

ऀഉࢳ঍෇ۀւߛण૳ଠࡦܪ઴ࢺ୨ऀ઩ছ஺ऄ෇ܑߧܣઘ଼ઘԹ଴ଭୡգ઱

ऀࠜોࢭߦԮܒ්଴বൖजԧୢࡿ

۳֞ۗيਓડऀ୺૕ॷฎऀ୺Զଠକॷ෉ඹߦֻ޽ଡକ஺෇ۀՓଡ෍ࠤฃ෇׆

ઘߞճܪԹଭ஺଀ଡܛਏ઩ࢲۀॷޱ଼ܑ݅ઘ֝ԧୡଞߦण૳ଡஹԧਏ೬ۀ

૬଴ଞߦୁ૳

վվଲୢী݂ QVCMJDUSBOTGFSଭ৤ஜଠౖୠହׁଭনգଡٛඑ෇ճ଼ઘହׁ෱

ঃ઩ছ૞մตրࠜઉ׆෇՚ܦ

▪ վվଲୢী݂ QVCMJD USBOTGFSଠ ৤෵ୀԧ ਓડୀ଴ լ૴઩࠮ ஺ׂܣ࡝ ଵࢱୡଞߦ

৤෵ୀԧ౫ડ෇՚ܣ࡟౫ীܦ

▪ ݗޭছ վվଲୢী݂ଡ ஺ׂ෇ۀ Փଠ ୨ऀ઩ছ ஺ׂ෇ۀ ۩఼ী݂ଡ ୪վ෇ۀ Փր

ܛଵ෇࡝  ֻ ଲୢী݂ଠ ڋܛਏୋ઩ছ ౖী෉ ࣪ୋැசઘઉ ෇ۀ ׁઁଡ է୨෇ۀ

ตր

ܒଵ࣫஺୪ܑଭକ଴૞մ֜୺ۀਓડऀ୺૕ॷฎऀ୺ࠜԧళंਏୋী݂րण֗෌

ଞߦਭॼආ࣮৤଼ଣ

▪ ճߡଭ ਓડୀଭ լ૴ ஺ׂࢲۀ ਓડׂ઱ۀ ࠬ஺࠭ ହׁଭ  ৤ஜ଴܁ ઱׆઩ ச Ջ৤ۥ  ੰܛ৤ۥ  ׆೴ ଲୢী݂ג஺ ෍෇࡟ ਓ୪ୡଞߦۀ ౖஂ ହׁଭ ઩ ଲ࠙

࡝ ෉ऀࡦԧ୨ଭլ૴ౖஂହׁଭ_ۜ෇ۀլ૴଼ܑଣ

▪ ॷฎऀ୺ԧ ԧళंਏୋী݂࣪ۗ ࡤ ൵বൈ ٗଠԧࠜ ण֗෇઼ۀ܁ ڂ ছܒ஺લ

઩ছୀڀԧઢۀ׆෻ԧ୨ଭլ૴ॷฎऀ୺ԧԧళंਏୋী݂࣪ۗٗଠՓଞ ߦ ي೴ٕଞي ୀڀԧ র଴׆෻ԧ୨ଭ լ૴ॷฎऀ୺ԧ ԧళंਏୋী݂ଭ ٗ ଠ Փଞߦ ي೴ٕଞ࡝ ܛଵ෉ ԧ୨ଲ ܛܒ઩ Ջச෇ۀ լ૴ ଲ ఙଲۀ ઩ ऄր

෉Փଞߦي೴ْ

▪ ૬ಟ۩ ܒଵଭ࣫஺୪ܑۀֽߦ଴বൖजࠜୠ෇ਏ೬ۀ֜୺

۳૵ࢂ୪ԧܣۀՓଠ৤෵ୀଭ࣪୺ী݂ଲॷฎׂ઱஺଀઩ࢠ౿ۀઽේହ

▪ ౟ԧী݂ଲࢳ঍෇՚ܣ࡟ॷฎׂ઱઩ছଭվ୪ଘଲڔ׆ݡࢂ઩࣫஺৤෵ୀଭլ૴

ऄ࣑ୡ଴ଵଡ෇ߙۀକ଴ଲԳ෇ճ୨ָ஻ଡణଞߙۀକ଴ଠୡઘீ

▪ ஺ٍ ࡤ ਖڂԩଭ ச૬ ট஼֝ ਓડࠔ ઴֜ էր  ଲߨୡଞߦ ෺ଠ ਓஹୡଞߦܑ  ী

݂ঃ଍౾࣪ۗী݂෇଍౾઩ছਓડࠔଲ۳ڔ՚ي೴يۀլේଲ଼ۀՓଞߦ࣪ճܦ

(28)

Ɉܒଵ࣫஺୪ܑଭ൉௃

▪ էրୡଞߦ ࡦ݃ ਓડୀ઩՚ ׆࣭৤ۥଡ ୪վ෇ۀ ࣫஺֝ԧ ෺ଠ ࣫஺ਏਆഗ ୀ఼ԧ

ী݂෇଍ծ౾઩ছଭڔଠਓડࠔଡକܑ෇઼ۗۀডࡣଲԧۇ

Ķੲ୨ୡ଴ճ૳ଡࢭ೽ଞߦ෇ۀܒଵଭ࣪৤ୡ࣫஺఼୪ۀڂ۩ऀഉঅߦ૶

ܑୢ઩஻࡟෇࡟ছଲୢրۀۗࠛઑঃଡي೴ٟ

൉ํڂ۩઩ԧୋ೧ॷՍଠܒଵധଵ଴܁ଲߦ଴ැܒଵଠ೥ي೧ॷฎୡܑ

ୢ઩஻࡟෇՚ܦ

▪ ܛܒ஺લ઩ছଭլ୪఼୪࣡ฃۀ࠭۩෉ਓડଡઉ׆

▪ ࣪৤ୡ଴ܒଵ಻ ,PIM୨ऀܑധଵ઩۩ଦ෇઱ڋܛਏୋ୨థଡ۳૵ค۩

▪ է֝ڂ઩ۀ෉ܛੲীּୡଲત۶ୡּୡڋܛਏୋ୨థଞߦۗਏֱ࣫

ଲบਓડ࣪෠ׂ઱ୀգ୺ՍܑԳฃܣતۀ܁൉ํਓડऀ୺఻֜֫ୀ݅઩۩෉ୀ

գ୺ՍଲԳฃܣતଣ

▪ ֽߦୀଭֽߦଭ஺ࠜਏ෠෇ճ෉ਏୡÂण୨ָ஻ଭଵୀࠤޭܑ୪վ෇׆଍෇઱ୡּ

ୡڋܛਏୋ୨థଭॷ૳ଲ೥՚ஹԧ෌

▪ ଲ߇෉࣡ฃۀୡּୡڋܛਏୋ୨థ୦ֽணਕଭࢳୢଡઉ׆෇઼ଞ࡝ਓડऀ୺૕ॷ ฎऀ୺ଭডծ઩ܑઽේଡࢠ౿՚ܦ

▪ ෇஺࠮ ଲ߇෉ ࣡ฃԧ ׂգ෉ Փଠ ੰۍતଞ࡝ ڂ۩ ணࢱऀഉ ֽߦۇߚଲ ଼ۀ

ॷฎऀ୺఻֜֫ୀࠜڋܛਏୋଞߦغઘ݅ଲ׆଍෉ࢺੲଲছছํ஼ෘܣતଣ

ڂ_ڂ઩Տౄ୪୨ܤڋܛ஼ๅԹ෭࣑ଠਓડୀԧଲୢଭ஻ડଲ૤ऀࢂ

ଭଵୀࠤ୪ੲܑ৤ޮ්৤଼ܑߧ෇ۀֽߦକ଴ଡԳฃ෇ۀࢺੲଡඑ෌෇՚ܦ

▪ ଲୢ઩ۀਓડୀԧଲୢଵୀࠤଭ৤ஜ࣪ۗாଲݭઘ஺ۀଵୀࠤ઩۩ැছۀଵୀࠤ

୪ੲଡ Ջୣ් ৤ ଼ત஺࠮ অߦ૶ ࣑઩ছۀ ਓડ׆ԩଭ ళଣ Թଁ ଲٛ઩ۀ ଲୢ

ଭ ଵୀࠤ࣪ۗ  ୡଠ ହׁଡ ஺ׂ෇ۀ ઘݬ ଵୀࠤޭܑ ୡ୨෉ ଵୀࠤ TVJUBCMF

XPSLߦճߙܦ

▪ ਓડ׆ԩଭ_Թଁ઩ැۥ෇ۀլ૴઩ۀଲୢ஻ડ࣪ۗହׁଲୡଠଵୀࠤג

஺ ୡ୨෉ ଵୀࠤߦ ճߙܣ࡝  Թଁ௒ऀഉۀ ০ ହׁଲ ਓડ࣪ঃ ׂ઱૕ Զଠ ৤ஜ ג஺࠮஺ׂܣ࡟ઘݪ෉ଵୀࠤޭܑୡ୨෉ଵୀࠤߦճߙܦ

▪ ଲୢଭ࣑ଲਓડଡࢺ஺෇ճ࠭ଡଵఙୡథହଲ֝ԧ઩՚଼ۀՓଞߦ୨ଭ෉ࢱ࡟

অߦ૶ ࣑઩ছۀ ճ૳ঃ೾ࠜ କ஺් థହଡ ճ૳ச૕ ֽߦୀ ୀ਑ଞߦ ୍୨ଭ෇઼ۗ

ۀՓଠ೧࣡ฃହ

▪ অߦ૶࣑ଠ ਓડୀԧ ઴ࢺճ૳఻ր ෱୺෇஺ ੴଡ լ૴ ਓડୀଭ ਓડऀ୺఻֜ ୀ գଡ ැ୪් ৤ ଼ۀ ઱߇ ԧ஺ ࢺ࣑݅ଡ එ෌෇ճ ਓડୀԧ ଵୀࠤ ୪ੲଡ Ջୣ්

(29)

ܒଵֽߦ઴ծ࣫஺୪ܑଭ൉௃րਏॷ୥

լ૴ଭ୪୍֫෉ଡ஺ࢺւࠤୀ઩՚ऀ઱෌

▪ ෇஺࠮୪୪ ୀ఼ԧ ਓ୪ ਏෘۚծ઩ছۀঃۥํ ૗ฃܣઘ஺ࢺ ւࠤୀԧ ࣑ߡ઩ ݗ

ޭऀ઱ܤԧۇ෉৤ۚଡ౦ंํฆ૳්৤ઢۗۀणൡଲ୪׆ܦ

Ķଲบ઩ֽܑߦۇߚଲ଼ۀڋܛୀࠜڋܛਏୋ઩ඇ଺ਏ೬׆଍෉઱߇ԧ஺ڋߚଲ

஺ুܣતଞ࡝ڂ઩෇࠙౷Թ෭ଭహ࣌௒ۚծԧࠬಅٛਏෘܣ׆઩ଲࠝ

ڂ઩ு֫෉ୡߧۥଠଲୢ୨ऀ઩ছ౟஼ܤୡּୡڋܛਏୋ୨థଡକ஺෇ۀ

෉ඇটՋվઊଡଲෘ෇ۀ܁ுண෇࡟ছ఻ڂ౾ଡ଍෉ผߛ ୀգ౫݂ ճ૳ඹߦ

ֻ޽ଡளԨୡଞߦܑ଺

ڂԧଡ઩ۀ౫ડੵটલ߆ଡԳฃ෇઱ୋ׆ਓડଡ࠭׆଍෉࣑ੲଡ୪୨෇

׆ܑ෇઼ଞي઴ࢺճ૳఻઩۩෉ֈ࣐଍෉୺஻Թ෭ଡඑ෌෇஺ۀੴଣ

ڂొ઩઴ࢺճ૳఻઩ছনրࠜ୺ୁ෉ਆಓ݅ଲଵࢱ઩վԹܣ࡟ছ઴ࢺճ૳

఻઩۩෉Թ෭ଲڍଭܣતଞ࡝ ୢࢂԧ݅ଡணਕଞߦ෉଍଀ฎԧ୺஻ܣતճࠬಅ

ٛܒଵଭ෇࠙౷Թ෭ଲࢳඝܣ׆઩ଲࠝ

(30)

ɉܒଵ࣫஺୪ܑଭԹ෭– ֽߦ઴ծ࣫஺୪ܑଭԳฃ

Ⅳ. ܒଵ࣫஺୪ܑଭԹ෭–

ֽߦ઴ծ࣫஺୪ܑଭԳฃ

Ķڂଲบॷฎࢢசۥڌআۥ઩ଭැ౟஼ܤ࣫஺Թ෭ଭச૬ࡧୡଠܒଵॷ

ฎ୪ܑଭ୍୨ୡऊ֏ࠜ࠭׆଍෌ଲતଣ

஺ুୡଞߦڔଠਓડࠔଠ୨౿ୡ଴౸࡟ր୍୨ୡ଴౸࡟઩ছ୨ऀ઩՚೧ऀۡଞ ߦୁ૳

णߧਓડׂ઱ԧऀंୡଞߦॷฎ࣪෠઩׆ࢱଡܪճ଼஺࠮ ڂొࢱࠜ

׆ߧ෉ਓડࠔրਓડࢂ୪ۀܒଵଭւ۩෉࣫஺୨థր࠸ࢄߙ୍୨ୡऀۡଲܥՓ ଲޭۀ଍׆Ԯଲஹ۩

ڂԧଡ઴ࢺটՋࠜ੿ܪճপ׆ܒଵ࣫஺ਏਆഗଭ஺ুԧۇনଡକ஺෇׆

଍෇઱ܒଵ࣫஺୪ܑଭԹ෭઩ւ෉଍଀ฎࠜডࠩ

▪ ඔ೥ਆࢭ՛ॷଭ ඿ഉ ෇࠙౷ ଴ॷۡۥ ଲॷࠜ ৤ୋଞߦ ෇ۀ ଵࡣ ෇࠙౷ ଍଀ฎࠜ

୺஻

▪ ڂଁ઩ڋܛਏୋଭ෮۩ୡছणਆ .PEFSOTFSWJDFTBUUIFMBCPSNBSLFU઩ւ

෉࣪ճছࠜ୪ਏ

▪ ැۥ࣪ճছۀԹଭୋଞߦ֜নܣઘ଼ۀ܁ֻணԧୋண૬෉ऀंଠ࣌௒ୋଞ ߦଵࡣ“෇࠙౷*7”ߦࡣࡣܦ

ڂଁଵ਀߲۳౑ࠤۀܒଵଭ෇଀઩ছॷฎࢫڋܛਏୋԹ෭ଡ଍෉୨

ऀଭଭ஺૕ࢺේଡඝࡣ෇ճේบ୨ऀଭ෵೿ଠ஝ଲճ Թ଴ଭథହଡୋߙ෇࡝  ۳࠯ଠԹ଴ଭ׆઱ࠜ૬්֜Փଲޭճચׂ

▪ ਀߲۳ ౑ࠤۀ ճ૳ଡ ઙ୪෇ۀ ֜୺ୡ ૬଴ଡ ચׂ෇ճ ‘࣡ฃࠜ ଍෉ ૳׆’ޭۀ ࡦ ഠ෇઩ࡤԧ஺ծฏଡ୪ਏ

▪ ෮୍ॷฎୡ஺଀ଲਓ୪ߦथյ෉ծ౾઩՚஺଀ܣճ଼ۀ஺ࠜࢱࢂ෇ճਓડऀ୺૕

ॷฎऀ୺ࠜധ෍෇ճ Թଁଲঃଵୀࠤԧઢۀॷޱ݅ଡ଍෉۩ੲଡ୪ਏ්Փହ ଡվඝ

▪ ށ෉ ڂଡ ࡧඝߦ ෇ۀ ੰ୬ۗ ଡ ࢳඝ෇઼ۀ܁ ୨ค෉ ਏෘ઴ܑࠜ ࢴํ஺

(31)

ܒଵֽߦ઴ծ࣫஺୪ܑଭ൉௃րਏॷ୥

෇࠙౷Թ෭֜ं ச૬ٛ૳ ਏෘਏ׆

෇࠙౷*

଴ߚੵট۩ෘॷ 14"ডࠩ

଴ߚੵট۩ෘॷ઩ছହਏ஻ੵটࢫ஻ડผߛ׆ฎࠜ୪վ

ୡ୨෉ଵୀࠤ TVJUBCMFKPC઩۩෉୨ଭ୍ճ

ॷୢճ஺ FBSMZOPUJGJDBUJPOଭࡿ

ֽߦୀଭஹࡣଭࡿ SFWFSTBMPGUIFCVSEFOPGQSPPG

୪୍׆ԩଭۗઑฃ

஺ুୡ֗ଖଡ଍෉অߦ૶ָ୨

ճߡֽߦୀ݅ଡ଍෉ֽߦ஺଀

ছणਆ୪վ׆ւԩଭլ୕ଡକܑ

ֽߦୀ൞ե୪෉ָ୨ଭ૗ฃ

ڂ

ଁଵ

෇࠙౷** ࢠۍୈրࢠ݌ୈଲޭۀঅߦ૶ଵୀࠤ෴೾ܑࠜ଺

Թ଴ୀઽડ .FQMDఢડਏ࣪୺ׁ஺ׂ

ڂ

ଁଵ

෇࠙౷***

ܒଵଭ઴ࢺճ૳఻ 'FEFSBM*OTUJUVUFGPS&NQMPZNFOUଭ

֜୺୺୨ࢫԹ෭

଀ਆ೺ճԺবഉ

ਏୋ୪ܑଭܑ଺ค۩

ڂ

ଁଵ

෇࠙౷*7

ਓડׂ઱૕ॷฎऀ୺ਏਆഗଡԹ෭Â୍୺୨

ଵୀࠤবഉ +PCDFOUFSড౿

଀କߦୈ 0OFFVSPKPCܑ଺

׆୼୪ܑଭԹ෭

ڂ

ଁଵ ۀ ੴ੼ଞي ܒଵଭ ଵୀࠤ ࢂ୪ࠜ ැէ෇׆ ଍෇઱ ճ૳ଡ ୠැ෇ۀ ୪ܑୡ ୪ઊଡ

ۚծୡଞߦ૗ฃ්ծฏହଡਏॷ

▪ ଵ්৤଼ۀॷޱଠଵැઉ෇࡝஺଀ଠ׆࣭ୡଞߦ୨࠱ߦෂ૬෇ճथյ෉ॷޱ઩

՚࠮஺ׂܣઘઉ෉ۗۀ਑ڄଡٮࠤคॺ

Ķ෇࠙౷Թ෭ଠڂऀഉڂג஺ఙߢ۩ߦਏෘܣતଞ࡝Ԩ఩ഉ࣢ߦਓ

஻ୀࠜڋܛਏୋଞߦඇ଺ਏ೬׆଍෉൉௃ୡ଴୨థ݅ߦ֜নܣઘ଼ଣ

෇࠙౷Թ෭ଠ఩ഉ*_*7ג஺ଲ߿ઘ୲଼ۀ܁ԧୋ࠯ଠւਕଡࢲଠऀंଠ෇࠙

౷*7Թ෭ହ

ඝ෇࠙౷Թ෭ଭٛ૳

Ķ ෇࠙౷ * Թ෭ଠ ڂ ଁ ଵऀഉ ࢳตܣતۀ܁ ୨ऀԧ ૶ઽ෇ۀ ճ૳఻

FNQMPZNFOUBHFODJFTଭ౫ડੵটฆܛଡԹট෇ճ׆୼୪ܑଭࢂ୪୥ଡԹট

෇ۀ܁ண୥ଡܪતଣ

ճ૳఻ଲճ૳఻઩ছंࠤܤ଴ߚੵট۩ෘॷ 1FSTPOBM4FSWJDF"HFODZ 14"ࠜড

(32)

ɉܒଵ࣫஺୪ܑଭԹ෭– ֽߦ઴ծ࣫஺୪ܑଭԳฃ

౿෇ܑߧָ୨෇઼ଞ࡝ԨԨଭ଴ߚੵট۩ෘॷۀਓ஻ண଴ॷޱ݅ଡճ૳෇઱૤

ऀ׆ડ݅ଭହਏ஻઩ࢼ౿෇ۀଵଡ࠹ܑߧ෌

▪ ճ૳ச݅ଠฎॷ઩ছิԧ ହ਑ ծୣୡ୺୨݊ଞߦଵਏୡଞߦथୀࠤԧࢳ঍෇՚

ܣ࡟14"઩ହਏ஻ଡ୪ੲ

▪ ଴ߚੵট۩ෘॷଭࡧୡଠ׆ડ݅઩՚ହਏֽߦୀࠜ୪վ෇ۀՓ઩ֻ౿஺ੴճହਏ

ֽߦୀԧ ֻ݅ଲ ࢼ౿ܤ ฎॷ઩ছ ઽুୡ଴ ଵୀࠤࠜ ణଡ ৤ ଼ۀ ׆ฎࠜ ୪վ෇ۀ

Փହ ճ૳சܑ݅ ହਏߦ త૳෇ۀ ׆ԩ ܛੲ ડࡿۇߚଡ ਏ෠෇ճ ઽ֜ ֽߦୀߦ త

૳්৤଼ۀ଴୍ࠜ೹আ්৤଼ۀ׆ฎࠜԧ஺՚ܦ

▪ ଴ߚੵট۩ෘॷۀฎॷ઩ছଭହਏ஻ଲଲ૳ԧۇ෇஺ੴଡլ૴֜஻ୀ઩՚஻ડผߛ

׆ฎࠜ୪վ්ଭࡿࠜԧீ

▪ ऄෘ෇՚ܑ ଴ߚੵট۩ෘॷ 14"ۀ ૶ઽण૳ଲ ୡ஺ ੴଡ ॣ࠮ ੰۍޭ ਓாୡଞߦ

ตրܑ ೥஺ ੴۗۀ णൡଲ ୪׆ܣઘ ڂ ଲบ઩ۀ ճ૳఻઩ছ ଭࡿୡଞߦ 14"

ࠜ ডࠩැઉ ෇ۀ ָ୨ଲ ૗ฃܣճ ตրԧ ଼ۗճ ൡۚܣۀ լ૴઩ ෉ැছ ডࠩ෇ܑ

ߧ࣡լܦ

ୡ୨෉ଵୀࠤ TVJUBCMFKPCTଭ୨ଭ୍ࠜճ෇઱ਓ஻ୀ݅ଭڋܛਏୋఞ઱ࠜܒߙ

▪ ୡ୨෉ଵୀࠤۀਓ஻ୀ݅ଲଵୀࠤ୪ଭࠜࢲ੼ଡݡՋऀ්৤ઢۀଵୀࠤߦছୡ ୨෉ଵୀࠤ઩۩෉୨ଭԧ࣡ฃ

▪ ુࠜ݅࡟ ۳ଲঃଵୀࠤଭՋࠤ࠮ଡଲକߦଵୀࠤࠜ Ջୣ්৤ԧ ઢଞ࡝ԧ୻ ԩ

෹݊րԶଠ൉࣢෉ଲକԧ଼ઘઉ࠮Ջୣଲԧۇ

 ֜஻ր ౫ડੵটଭ ুܑࠜ ஹԧਏ೬׆ ଍෇઱ ֽߦୀۀ ැճ ෺ଠ ਓ஻ଭ ଍෠ଡ

Ԯ஺෇՚ܣ࡟ԧۇ෉ऱࠤැۥॷਓଡճ૳఻ FNQMPZNFOUPGGJDF઩࣪ճැઉ෌

▪ ॷୢճ஺ࠜ෇஺ੴଡլ૴ׁୢୡ଴୪୍ԧԧැீ

▪ ֽߦୀԧ ਓડۚծߦ ஼଺෇஺ੴճ ଵୀࠤ઩ছଵୀࠤߦ ࢭߦ ્բԫ ৤ ଼ܑߧ ෇ ۀ܁ச૬෉ࡧୡଲ଼ଣ

অߦ૶࣑઩ছۀܒଵॷฎ࣑ (FSNBO4PDJBM$PEFଡஜ৤෗ۗۀՓଡਆਆߦஹࡣ

්ଭࡿԧֽߦୀୀ਑઩՚଼ۗۀՓଡࡣਏ

▪ ુࠜ ݅ઘ ਓ஻ୀԧ ଵୀࠤࠜ Ջऀ෇Ջي ॷୢ ճ஺ଭ ଭࡿࠜ ۗ෇஺ ੴ੼ଡ լ૴ 

஺଀ଡࢲ׆଍ැছۀ ැۥଵୀࠤԧୡ୨෉ଵୀࠤԧੰۍޭՋيॷୢճ஺ଭଭࡿ

ࠜଲෘ෇஺࡮෉ୡୣ෉ଲକֽࠜߦୀਆਆߦԧஹࡣ්థହଡԧீ

׆୼ଭۚଵ୪୍׆ԩଡۗઑฃ෇ճఙ࣢ฃ෇઱ਓ୪ୡଞߦୡ૳ଲ૳ଲ෇ܑߧԹ෭

▪ ׆୼઩ܑ ਓ஻ୀ݅ଲ ܒଵ ॷฎ࣑ଡ ݗ࠙஺ ੴۀ լ૴ ୪୍ࠜ ԧ෇ۀ୺Սଲ ୼୍෇

(33)

ܒଵֽߦ઴ծ࣫஺୪ܑଭ൉௃րਏॷ୥

઼ଞيՋଭਏෘܣ஺ੴۀࢂ୪ԧ଼તଣ

▪ ׆୼ଭլ૴ச Թଁଭ୪୍׆ԩଲঃ۩ୡଞߦ׊ॣ࠮ੰۍޭճ୨ܣઘ଼ઘැ

ۥ୪୍ԧ٪ࡿր෇ۗۀ଴ਐଲ୼୍෇ۀւծߦճ૳఻ FNQMPZNFOUPGGJDFۡۥୀ

݅ଲਓ୪ߦਓ஻ୀ݅઩՚ւߛ୪୍ࠜୡ૳෇ۀՓ઩ऀۡଡھن

▪ ࣑րճ૳఻ଭ਑߲নଡڔଲ׆଍෇઱ָ୪ଭ׆ԩଲ۳૵ۗઑැீ

▪ ۡۥୀ݅ଲਓ஻ୀ݅ଭ଍࣑ෘ଍઩ݗޭ୪୍׆ԩଡଜധন଼՚ୡ૳්৤଼՚ܦ

▪ ુࠜ݅࡟୪୍׆ԩଡச ச ச݊ଞߦۗઑ෇՚ୡ૳෇઼ۀ܁ુࠜ݅࡟ళଣ

ָ୨ଡ଍ࢱ෇ۀլ૴ָ୨଍ࢱ୨ܑ઩ݗޭச_சଭ୪୍׆ԩଡୡ૳

෇࠙౷Թ෭઩ছۀճ૳ச݅ଲ஻ડঃֽߦୀ઩՚୪վ෇ۀ֗ଖ઩۳෇઱ճ૳఻઩

ছܑਓ஻ଡࢺ஺෇׆଍෇઱౟ԧୡ଴֗ଖছणਆࠜ୪վ෇ܑߧ෌

▪ ճ૳఻઩ছۀ ֗ଖ ࢭ૴ళࠜ ࢳෘ෇઱ ֽߦୀ݅઩՚ ୪վ෇࡝ ֽߦୀ݅ଠ ැۥ ࢭ૴

ళࠜॷ૳෇઱վ଴ผߛඹߦֻ޽઩ఞ઱්৤଼ଣ

▪ ஺ুୡ଴ࢭ૴ళ֗ଖছणਆࠜധ෇઱ਓ஻઩۩෉ֽߦୀଭୀ׆థହଡஹ஼ਏ೬ճ

ාঃڔଠ৤ஜଭֽߦۇߚଡକ஺෇ۀՓଲԹ෭ଭச૬ࡧୡହ

଴֜֜୺ଭ࣡ฃ઩ݗޭ෇࠙౷Թ෭઩ছۀճߡֽߦୀ݅઩۩෉ֽߦ஺଀థܑ෌

״୪ਏ

▪ পଲঃଭ ճߡਓ஻ୀԧଲୢ࣪ۗٗଠ৤ஜଭଵୀࠤࠜ୪ଭࢲଡլ૴ճ૳఻઩

ছఙઁଭଵऀंଡ஺଀

▪ ճߡֽߦୀࠜճ૳්լ૴ճ૳ச઩՚ॷฎ࣪ୋ׆઱ׁଭଵऀࠜ஺଀

౫ડ׆ฎࠜੵট෇ճ֜஻ୀ݅ଭڋܛਏୋ஼଺ଡตଘୡଞߦۜন෇׆଍෇઱ছ णਆ୪վ׆ւԩଭլ୕ଡକܑ

▪ ୪վ׆ւ઩۩෉࣪৤ܑনրணਕଞߦࢼंܣܑߧָ୨෇઼ۀ܁ଲۀ୪վ׆ւԩଭ

լ୕ଡକܑ෇઱ছणਆଭாଡڔଲճตଘনଡஹ஼ਏ೬׆଍෌ଲતଣ

▪ ճ૳఻ ౫ડੵট ছणਆଭ କ଴ଡ ୍ճ෇׆ ଍෇઱ নրணਕଭ ࣪٪ਆࠜ ୪վ෇ܑߧ

୪ੲ

ڂଁଵऀഉਏෘܤ‘Թ୨ֽߦୀ൞ե࣑’઩ছۀֽߦୀ൞եଭଵߛଭָ୪

୺ාଡ۩఼ָ୨ઢଲॸ୪

▪ ଲߦ଴෇઱൞եֽߦւծ఼ࠜէ්լ૴Ժւୡ଴ॷକઢଲܑୢ఼ڂג஺ଭծઊ ւծ઴ୋଲԧۇ෇՚ܣઘ൞եॷડրֽߦୀॷଲ઩Ժւୡॷକઢଲ઴৐ୡֽߦ ւծԧԧۇ෇՚ܦ

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