์—ฌ๊ธฐ์„œ 20% ๋” ๋ฐ•์•„์•ผ ํ’€๋งค์ˆ˜ ํ•  ๋งˆ์Œ์ด ์ƒ๊ธฐ๋Š”๋ฐ