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< - 35> 137 < - 36> 138 < - 37> 139 < - 38> 140 < - 39> 141 < - 40> 141 < - 41> 143 < - 42> 144 < - 43> 145 < - 44> 145 < - 1> 148 < - 2> 148 < - 3> 150 < - 4> 152 < - 5> 152 < - 6> 156 < - 7> 157 < - 8> 158 < - 9> 159 < - 10> 159 < - 11> 160 < - 12> 163 < - 13> 164 < - 14> 166 < - 15> 167 < - 16> 168 < - 17> 169 < - 18> 170

< - 19> 170 < - 20> 172 < - 21> 173 < - 22> 174 < - 23> (EM) 174 < - 24> 175 < - 25> 176 < - 26> 177 < - 27> 178 < - 28> 178 < - 29> 179 < - 30> 181 < - 31> 182 < - 32> 183 < - 33> 183 < - 34> 184 < - 35> 188 < - 36> 188 < - 37> 190 < - 38> 190 < - 39> 192 < - 40> 193 < - 41> 194 < - 42> 194 < - 1> 197 < - 2> 198 < - 3> 199 < - 4> 201

< - 5> 201 < - 6> 203 < - 7> 213 < - 8> 214 < - 9> 215 < - 10> 218 < - 11> 218 < - 12> 219 < - 13> 221 < - 14> 222 < - 15> 222 < - 16> 224 < - 17> 224 < - 18> 225 < - 19> 226 < - 20> 227 < - 21> 229 < - 22> 230 < - 23> 230 < - 24> 232 < - 25> 233 < - 26> 233

< - 1> 9 <- 2> 13 <- 3> 14 <- 4> 15 <- 5> 17 <- 1> 34 <- 2> 38 <- 3> 47 <- 4> 59 <- 5> 84

. 1) 1.. ( 4501 (a)), (society), (ord er), (suprem e lod ge),.,,,.,,,. * 32

2 ( 4501 ), 1) (1403 ),,, (4502 ).,.,,. < - 1> ( ),, ( ) ( = ) 1)

3 2..,,, (society).,,,. N ationwid e Group Th e Canadian Coop erative Association. (Frien dly Society Act).., 32

4. < - 2> (2001 ) (:, ) () ) 178,506 72,629 2,406,171 1 7,740 4,534 164,874 1 14,846 7,372 12,417,000 1 6,770 2,147 5,371,919 1 177,469 56,481-2 2,525 67 67,884 2 28 13 6,670 2 907 63 10,619 2 869 81 248 2 224 190 1,189 2 52 37 71 3 2,977 1,987 1,792 1 4,655 1,549 460 1 835 776 120,353 1 3,087 1,774 7,409 1 155 292 1,151 1 17 0.04 119 2 35,397 645 5,454 1 20,952 304 28,899 1 149 90 38,910 2 727 15 742 2 1,054 97 1,232 2 458 45 208 2 1,755 12 3,590 2 3,734 21 3,810 2 17,608 3,046 139,357 2 777 427 19,923 2 10,782 1,557 192,101 2 566 73 14,574 2 5,276 0.8 85,159 2 462 462 21,369 2 154 3 4,980 2 142-1,641 2 : 1) 2) 3)

5 < - 3>,,,,,,,,,,,,,,,,,,,,,,,,,,, 5 20 8. :,. :,,,,.. ( ):,,,. :

6, 20. :, 8.,,,. 2001 91.4% 2)., 76.9%. < - 4> (2001 ) (: ) 143,162 91.4% 385,330 76.9% 8,058 5.1% 80,557 16.1% 5,496 3.5% 35,060 7.0% 156,716 100.0% 500,947 100.0% : 1),,, 2) 20 3) 6( ), 2)

7 3.. 1915. 1919 () 1928 (), 1961.,,.,,,,. 3) 30 2001 156,716 500,947 23.8% 28.5%. 242001 15 1,22196.5%. 5 0.2%,. 3)

8 < - 5> 1997 1998 1999 2000 2001 (: ) 5 70,053 87,569 101,724 172,256 140,347 114,390 15% 19.0% 863 824 1,240 2,068 2,816 1,562 0% 34.4% 70,916 88,393 102,964 174,324 143,162 115,952 15% 19.2% 24 29 33 42 67 39 0% 29.8% 8,367 8,189 6,906 6,820 7,991 7,655 1% -1.1% 8,391 8,219 6,939 6,863 8,058 7,694 1% -1.0% 70,077 87,598 101,758 172,299 140,414 114,429 15% 19.0% 9,230 9,013 8,145 8,888 10,807 9,217 1% 4.0% 79,307 96,612 109,903 181,187 151,221 123,646 16% 17.5% 489,559 463,904 467,554 516,538 473,643 482,240 63% -0.8% 163,183 142,536 144,524 164,784 184,094 159,824 21% 3.1% 652,742 606,440 612,078 681,322 657,737 642,064 84% 0.2% 559,636 551,503 569,312 688,836 614,057 596,669 78% 2.3% 172,413 151,549 152,669 173,673 194,901 169,041 22% 3.1% 732,049 703,052 721,981 862,509 808,958 765,710 100% 2.5% : 1) [(CY) : 112 / (FY) : 43 ] 2),,, ( 2000 ) 3) 20, 8 4) 5) 6) 2001 14 3,162 91.4%, 21.8%. 27.5% 12.2% 15.3%p.

9 < - 6> 1997 1998 1999 2000 2001 (: ) 5 145,853 163,966 211,134 304,645 385,330 242,186 14% 27.5% 69,899 74,571 78,232 78,519 80,557 76,356 5% 3.6% 215,752 238,537 289,366 383,164 465,887 318,541 19% 21.2% 909,209 922,985 1,102,953 1,207,300 1,430,340 1,114,557 66% 12.0% 199,440 224,295 264,708 280,490 327,267 259,240 15% 13.2% 1,108,649 1,147,280 1,367,661 1,487,789 1,757,607 1,373,797 81% 12.2% 1,324,401 1,385,817 1,657,027 1,870,953 2,223,494 1,692,338 100% 13.8% : 1) [(CY) : 112 / (FY) : 43 ] 2),,, ( 2000 ) 3) 20, 8 4) 5) 6) 5 <- 1> : 1) 2)

10 1998-7.1%, 21.8%. 2001 GDP 2.77% (insurance p enetration) 12.07% 9.29%p. < - 7> (: ) 1997 1998 1999 2000 2001 7,931 9,661 10,990 18,119 15,122 1.75 % 2.17% 2.28 % 3.47% 2.77% 65,274 60,644 61,208 68,132 65,774 14.40% 13.65 % 12.68 % 13.05 % 12.07% / 73,205 70,305 72,198 86,251 80,896 16.15 % 15.82 % 14.96% 16.52 % 14.84 % (GDP) 453,276 444,367 482,744 521,959 545,013 : 1) [(CY) : 112 / (FY) : 43 ] 2) 2000 3) (8 ) 4) 5) 6) 2001 GDP. 4) 2001 14 41429.6%. 4),,,,

11 < - 8> 1997 1998 1999 2000 2001 (: ) 5 32,720 42,453 43,265 71,371 72,046 52,371 (%) 6.7% 9.2% 9.3% 13.8% 15.2% 10.9% 1,079 1,781 2,286 3,541 3,977 2,533 (%) 0.2% 0.4 % 0.5% 0.7% 0.8% 0.5% 6,632 1.4% 6,915 1.5% 6,767 1.4% 8,396 1.6% 5,888 1.2% 6,920 1.4 % 1,301 1,220 1,251 1,662 1,956 1,478 (%) 0.3% 0.3% 0.3% 0.3% 0.4 % 0.3% 28,321 35,200 48,155 87,286 56,481 51,089 (%) 5.8% 7.6% 10.3% 16.9% 11.9% 10.6% 70,053 87,569 101,724 172,256 140,347 114,390 (%) 14.3% 18.9% 21.8% 33.3% 29.6% 23.7% 489,559 463,904 467,554 516,538 473,643 482,240 : 1) (%) 2) [(CY) : 112 / (FY) : 43 ] 3) 2000 4) 2001 14 347, 1997 14.3%2001 29.6%., 2000 1/ 3.

12 < - 9> (: ) 5 1997 1998 1999 2000 2001 68,485 78,485 97,916 131,874 178,506 111,053 (%) 7.5% 8.5% 8.9% 10.9% 12.5% 10.0% 2,397 2,949 4,322 5,962 7,740 4,674 (%) 0.3% 0.3% 0.4 % 0.5% 0.5% 0.4 % 11,276 11,720 12,484 13,405 14,846 12,746 (%) 1.2% 1.3% 1.1% 1.1% 1.0% 1.1% 4,051 4,261 4,795 5,577 6,770 5,091 (%) 0.4 % 0.5% 0.4 % 0.5% 0.5% 0.5% 59,643 66,551 91,616 147,827 177,469 108,621 (%) 6.6% 7.2% 8.3% 12.2% 12.4% 9.7% 145,853 163,966 211,134 304,645 385,330 242,186 (%) 16.0% 17.8% 19.1% 25.2% 26.9% 21.7% 909,209 922,985 1,102,953 1,207,300 1,430,340 1,114,557 : 1) (%) 2) [(CY) : 112 / (FY) : 43 ] 3) 2000 4) 5) 2%,, 200138 7,856 143 340 27.1%., 2001 5) 38 5,330 26.9%. 5)

13 1997 16.0%2001 26.9%. < - 2> :. 2001 1 807, FY'01 18 4,094 5.9%., 2001 6.9%. 19 2001 7,991 4.3%.

14 < - 10> (: ) 1997 1998 1999 2000 2001 5 7,550 7,249 5,713 5,425 6,378 6,463 (5) (%) 4.6% 5.1% 4.0% 3.3% 3.5% 4.0% 600 704 938 1,084 1,229 911 (9) (%) 0.4 % 0.5% 0.6% 0.7% 0.7% 0.6% 218 237 256 311 384 281 (5) (%) 0.1% 0.2% 0.2% 0.2% 0.2% 0.2% 8,367 8,189 6,906 6,820 7,991 7,655 (19) (%) 5.1% 5.7% 4.8% 4.1% 4.3% 4.8% (4) 863 824 1,240 2,068 2,816 1,562 (%) 0.5% 0.6% 0.9% 1.3% 1.5% 1.0% (23) 9,230 9,013 8,145 8,888 10,807 9,217 (%) 5.7% 6.3% 5.6% 5.4% 5.9% 5.8% 163,183 142,536 144,524 164,784 184,094 159,824 : 1) (%) 2),,, ( 2000 ) 3) <- 3> :

15 1920017 8,031, FY'01 32 7,267 23.8%. 30 2001 15.6% 6.9% 8.7%p 6). 1) 5,.,,,,. <- 4> 19 5 79.8%. 6) 2%,

16 59.0%. < - 11> (: ) 1997 1998 1999 2000 2001 5 12,621 13,806 12,262 11,597 11,710 12,399 (%) 6.3% 6.2% 4.6% 4.1% 3.6% 4.8% 53,759 56,758 62,332 63,710 66,322 60,576 (%) 27.0% 25.3% 23.5% 22.7% 20.3% 23.4 % 66,380 70,563 74,594 75,307 78,031 72,975 (%) 33.3% 31.5% 28.2% 26.8% 23.8% 28.1% 199,440 224,295 264,708 280,490 327,267 259,240 : 1) (%) 2) [(CY) : 112 / (FY) : 43 ] 3) 4) 2%, 3.6%. 2001 83.9% 19.8% 103.7% 43.3%, 28.9% 27.8%., 41.1%, 32.6% 26.4 %.

17 < - 12> 2001 (: ) 1,987 1,531 77.1% 388 19.5% 2,977 776 585 75.4% 145 18.8% 835 1,549 1,232 79.5% 210 13.5% 4,655 292 304 104.4% 26 8.8% 155 1,774 1,696 95.6% 493 27.8% 3,087 6,378 5,348 83.9% 1,262 19.8% 11,710 <- 5> 2), 9, 20011,229 11.4 %.

18 2001 15.4%. < - 13> 1997 1998 1999 2000 2001 (: ) 5 600 704 938 1,084 1,229 911 6.5% 7.8% 11.5% 12.2% 11.4 % 9.9% 7,550 7,249 5,713 5,425 6,378 6,463 81.8% 80.4% 70.1% 61.0% 59.0% 70.1% 218 237 256 311 384 281 2.4% 2.6% 3.1% 3.5% 3.5% 3.0% 8,367 8,189 6,906 6,820 7,991 7,655 90.7% 90.9% 84.8% 76.7% 73.9% 83.1% 863 824 1,240 2,068 2,816 1,562 9.3% 9.1% 15.2% 23.3% 26.1% 16.9% 9,230 9,013 8,145 8,888 10,807 9,217 : 1) 2),,, 2001 82.3%. (). 2001 19.6%.

19 < - 14> (: ) 1997 1998 1999 2000 2001 5 52,431 55,314 60,806 61,868 64,243 58,932 79.0% 78.4 % 81.5% 82.2% 82.3% 80.8% 12,621 13,806 12,262 11,597 11,710 12,399 19.0% 19.6% 16.4 % 15.4% 15.0% 17.0% 1,328 1,444 1,526 1,842 2,079 1,644 2.0% 2.0% 2.0% 2.4% 2.7% 2.3% 66,380 70,563 74,594 75,307 78,031 72,975 : 1) 2) 2%, 4..., 11 7).,. 7),,,,,,,,,,

20 < - 15> 12 (11 ( ) ),...< >... 4 142 ( 14 ( ) ),...<>... 39 5 ( ) 5 ( ) 5415 ( ) 2 11 6 ( ) 6 ( ) 7815 ( ) 2 11 ( ).,.

21 < - 16> 1961.10 1962. 4 1990.12 1960. 5 1929.10 1971. 3 1961. 7 1948. 8 32 1964. 9 32 1979. 6 61 1981.12 61 1993. 2 61 1981. 7 36 1997.12 61 1981.11 282 2000. 1 1963.10 54 1988. 2 54 1990. 3 16 1998. 1 27 1986.11 40 1988. 3 1983.10 1991. 6 30 1987. 6 40 1984. 2 1984.10 1952. 4 1966.11 32 1989. 7 1925. 4 32 1972. 9 32 1964. 5 32

22 < - 17>,,,, ( ) ( 57 ) ( 65 ) ( 26 ) ( 39 ) ( ) (), ()

23,..,,.,.,.,. 2001 73%, 90%. < - 18> (2001 ) (: ) 2,392 589 3,001 145 2,425 8,551 80.4% 70.5% 64.5% 93.3% 78.5% 73.0% 2,977 835 4,655 155 3,087 11,710

24 < - 19>,,,,,, ( 61 ) ( 36 ).,.

< - 20> ( 41 ) ( 54 ) ( 54 ) ( 352) (/ ) (/ ) (/ ) 25

. 1.. 1915. 1965,. 19771980. < - 1> 1961. 7. 29 1961. 8. 15 1961. 10. 10 1965. 8. 10 1969. 1. 1 1974. 6. 26 1977. 1. 1 1979. 7. 1 1984. 10. 26 2000. 7. 1 (ICMIF),

27 2000 7,, 3.. 8),. 57, 106 111 134.,,,,.,,,,,,,.,,.,.,. 11 ( ), 12 ( ). 8) 15, 107, 112

28..,.. 14 10. 948 4,061.,,. (),, 9).... 9) 6 ( )

29 < - 2>, 1997, (,, ) 2000, (,, ) 2000 2000 2001 2001 2001, 2001 (14), 2001 0570 2001, 2001,, 2001 2001 (, ) 2002 (10) 1961 1998 2002, 1983 1990 1997, 1998 2000 2001 2001 < - 3> (: ) 856 92 3,741 320 5,009 : http :/ / www.nonghyup.com/ aboutnacf/ financial/ financial_03.jsp : 1) (17) 2) 2002 2 28

30 < - 4> (200 1 ) (: ) 350 328 678 575 1,253 19, 105, 110 115, 58 ( ). 5, 6.4 %., 2000. < - 5> (: ) 1997 1998 1999 2000 2001 1,539 1,456 1,383 1,387 1,383 2,312,374 2,360,288 2,383,083 2,381,643 2,406,171 14 14 13 24 20 87,018 (17,848) 82,590 (16,975) 66,405 (13,505) 67,565 (16,334) 66,665 (15,742) 87,032 82,604 66,418 67,589 66,685 : 1) ( ) 2) 2000

31. 10).,.. (2000.12) (2001.12),.,,,. 7,. 1966,..,,,,, 10) 134, 141 6

32 11).,. < - 6>,., m' - t = P m' m' : 12/ (1,2,4,6,12), t :, P :,, 50% [( - - ) 100(%)] 11) 16 19

33. 12). 2001 1,500.,.,. 13). < - 7> ( ) 1002 10020 10090 (1005) 10070 10020 12) 19, 55 59 13) 21 ( ), 81 (), 82 ( )

34. 2001 7 2,629, 99.2%. 1) 2001 14) 7 2,04617 8,506. 85 26.1% 25.3%., 2000. <- 1> : 2000 14), 0.8%

35 2001 15.2%4. 1997 6.7% 2001 15.2% 3. < - 8> (: ) 1997 1998 1999 2000 2001 5 32,720 (6.7%) 42,453 (9.2 %) 43,265 (9.3 %) 71,371 (13.8 %) 72,046 (15.2 %) 52,371 (10.9%) 489,559 463,904 467,554 516,538 473,643 482,240 : 1) ( ) 2) [(CY) : 112 / (FY) : 43 ] 3) 4) 2000 5 5 65.2% 6.2%. < - 9> 1997 57.3 % 75.1% 7.3 % 95.9 % 11.9 % 12.6% 1998 60.5 % 90.7% 6.0% 96.8 % 13.6% 13.4 % 1999 51.7% 67.0% 6.6% 96.0% 13.6% 13.0% 2000 61.1% 63.3 % 6.0% 96.9 % 9.8 % 10.8% 2001 55.4 % 46.5 % 5.8 % 96.9 % 9.0% 9.5% : 2000

36 2001 9.0%, 9%. 2) 0.8% 1997 27%. 5 52.7%, 5 34.4 %. 5 87.1%. < - 10> (: ) (a) (b) (a+b ) 1997 224 94 41.9 % 95 42.2 % 84.0% 1998 247 163 65.8 % 101 40.9 % 106.6% 1999 291 142 48.7% 104 35.8 % 84.5% 2000 408 225 55.2 % 126 31.0% 86.1% 2001 583 301 51.6% 177 30.4 % 82.0% 351 185 52.7% 121 34.4 % 87.1% : 2000 3) 200111 1,053 12.5%.

37 1997 7.5%2001 12.5%. 68,485 (7.5 %) < - 11> (: ) 1997 1998 1999 2000 2001 5 78,485 (8.5 %) 97,916 (8.9 %) 131,874 (10.9 %) 178,506 (12.5 %) 111,053 (10.0%) 909,209 922,985 1,102,953 1,207,300 1,430,340 1,114,557 : 1) ( ) 2) [(CY) : 112 / (FY) : 43 ] 3) 4) 2000 < - 12> 1999 2000 2001 7.5% 13.3% 3.3% 7.6% 7.2% 4.0% 62.0% 16.8% 76.4% 10.5% 78.0% 10.0% - 0.5% 180.3% 0.3% 5.4% 0.2% 158.4% - 49.3% 15.4 % 72.9% 10.9% 75.0% 9.6% - 6.2% 15.0% 1.3% 5.6% 2.3% 17.5% - 6.0% 22.9% 2.0% 9.6% 0.5% 6.7% 25.6% 9.8% 16.6% 9.1% 11.2% 8.1% - 7.4 % 8.5% 5.9% 8.3% 5.7% 7.3% - 18.2% 10.2% 10.8% 9.4% 5.6% 8.7% 0.8% 6.0% 0.6% 6.2% 0.5% 5.3% 96.0% 14.1% 96.9% 10.0% 96.9% 9.3% 4.0% 0.8% 3.1% 5.3% 3.1% 0.0% 100.0% 13.6% 100.0% 9.8% 100.0% 9.0% : 2000

38 3 73.6%, 16.4% 90%.,., 3 68.1%, 2001 75%. 396.7%.. 5,. < - 2>

39 2.. 1937 9.. 1954 12, 1958 4. < - 13> 1962. 1. 20 1962. 4. 1 1963. 12. 5 1979. 7. 31 1978. 3. 1 1985. 1. 1 1985. 6. 1 1992. 4. 1 1993. 1. 1 1983. 6. 15 1993. 4. 1 1996. 2. 10 1999. 1. 1 1999. 6. 4 2001. 1. 1 ( )

40 1962 1 ( ) 1962 4 1.,,.. 15),. 65, 105 132.,,,,,,..,.,. 1632. 15) 15, 107, 112

41,., 3 1020..,.. 24.,,,,, 119,,,,, 11.,,,,,,,,,,,, 13. < - 14> 6% 6% 4 % 4 % 1 2 3 6% 6% 4 % 4 % 90% 90% 85% 85% 95% 95% 95% 95%

42. 2001 70, 21 92... 3 4, 2002 41,772., 262. 200191 164,874. < - 15> (: ) 1997 1998 1999 2000 2001 86 87 87 87 91 165,938 166,563 164,315 168,123 164,874 5-0.2%,

43. 5-9.3%, -4.2%, -5.5%. < - 16> 1997 1998 1999 2000 2001 4 2,914 2,918 838 7,050 7,888 4 2,436 2,440 854 6,508 7,362 4 2,319 2,323 842 6,218 7,060 4 2,221 2,225 833 6,037 6,870 8 1,970 1,978 891 5,749 6,640. 16)..,. 0.5%.,. 16) 132 140, 11

44.,.. < - 17>,,, 30% 20% 15% 10%. 1937.,,.,.. ( + + ) (+ + )

45 [( + )-( + + + )] / 2 / 2 + / 4 ( + ) [(-) / 2],,.,...,,,, ().. 10/ 100(, 5/ 100).

46. 50/ 100 17).,. < - 18> 20% 50% 20%. 20014,534, 87.7%. 1) 18) 87 17) 2001 12 18),

47 28.8% 21.8%, 2001 3,9777,740., 1997 38%. < - 3> 0.8%. 1997 0.2% 2001 0.8%. 5 45.4 % 1.1%,. 2001 8.6%, 9.2%.

48 1,079 (0.2 %) < - 19> (: ) 1997 1998 1999 2000 2001 5 1,781 (0.4 %) 2,286 (0.5 %) 3,541 (0.7%) 3,977 (0.8 %) 2,533 (0.5%) 489,559 463,904 467,554 516,538 473,643 482,240 : 1) ( ) 2) [(CY) : 112 / (FY) : 43 ] 3) < - 20> 1997 1998 1999 2000 2001 53.7% 119.4% 61.4% 76.1% 66.3% 62.8% 40.2% 30.7% 46.6% 50.5% 2.2% 2.0% 0.8% 0.8% 0.8% 99.9% 99.8% 100.0% 100.0% 99.7% 12.2% 14.2% 11.7% 10.4 % 8.6% 13.6% 9.6% 5.7% 12.8% 9.2% 2) 199710 19%, 1998 1999. 2001 558 14.0%. 5 73.3% 16.0% 89.2%.

49 < - 2 1> (: ) 1997 557 421 75.6% 104 18.7% 94.3% 1998 491 446 90.9% 101 20.7% 111.6% 1999 485 341 70.4 % 81 16.7% 87.0% 2000 495 318 64.3% 63 12.7% 77.0% 2001 558 367 65.9% 64 11.5% 77.3% 517 379 73.3% 83 16.0% 89.2% 3) 2001 7,740 0.5%. 1997 0.3% 2001 0.5%. < - 22> (: ) 1997 1998 1999 2000 2001 5 2,397 (0.3 %) 2,949 (0.3 %) 4,322 (0.4 %) 5,962 (0.5 %) 7,740 (0.5 %) 4,674 (0.4 %) 909,209 922,985 1,102,953 1,207,300 1,430,340 1,114,557 : 1) ( ) 2) [(CY) : 112 / (FY) : 43 ] 3)

50 3 47.0% 73.6%, 92.5% 91.7%., 34.8% 81.8%. 3 34.8%, 2001 4.3%. < - 23> 1999 2000 2001 8.3% 1.1% 6.4% 3.8% 1.9% 6.7% 54.6% 18.3% 41.3% 13.5% 47.1% 13.2% - 0.8% 0.0% - - - - - 24.3% 0.0% 36.4% 0.0% 46.5% 13.3% - 29.5% 0.0% 4.9% 0.0% 0.6% 10.7% 13.3% 11.6% 8.7% 11.8% 5.7% 13.4% - 3.9% 10.8% 2.9% 10.6% 2.4 % 9.7% - 9.4 % 11.9% 5.8% 12.3% 3.3% 12.1% - 0.0% 0.0% - 5.1% - - 7.8% 0.0% 0.1% 0.0% 0.1% 0.0% 12.6% 7.1% 41.2% 8.9% 42.4% 4.3% 96.6% 12.2% 97.6% 10.7% 97.2% 9.0% 3.4 % 0.1% 2.4% 0.2% 2.8% 1.0% 100.0% 11.7% 100.0% 10.4% 100.0% 8.8%

51 2001 13.2% (10.0%) 3.2%p. 397.2% (96.7%) 0.5%p.

52 3.. 1982 12 1960 100, 1973 3. 1989 12, 1991 3 1992 9. < - 24> 1982. 12. 31 (3622 ) 1989. 12. 30 (4152 ) 1990. 12. 27 1991. 3. 18 1992. 9. 1 1 7 1,242. 200139 5,919.

53 < - 25> '95 '96 '97 '98 '99 '00 '01 ( ) () 2,969 2,863 2,743 2,590 2,126 1,817 1,730 206,154 255,118 296,802 328,461 350,017 366,357 395,919. 19),.,,,,.,,,,,. 55 (),.,,. 19) 6

54, 20). 592 21).. ( ) 1 2,. 22).,,,... 95, 14 20) 5 ( ) 21) 7, 8 22) 552( )

55. 1 3,000 23).,. 8, ( 4 ) 24). < - 26> (2001), 7.5 660 95. 9, 7.5 6.5 5.5 117 63 1 98. 1 00.12 01.12 5.5 2 01.12 10.0 857 92. 9 7.0 10.0 1,899 97. 4 1,934 98. 4 356 01. 9 8 1,311 99. 1 8 3 00. 5 10 10 92. 3 10 8 92. 3 7 10 73 92. 3 23) 59 ( ) 24) 1998 9 25

56 2001 12,4175 1.5%, 11.1%. < - 27> () ( ) : ( 1997 1998 1999 2000 2001 11,697 10,861 (-7.1%) 32,589 31,110 20,328 19,804 53,187 50,914 (-4.3) 3 831 4 738 834 742 (-11.0) ) 11,338 (4.4 %) 25,427 18,116 43,543 (-14.5) 4 712 716 (-3.5) 11,851 (4.5) 21,944 15,881 37,825 (-13.1) 3 704 707 (-1.3) 12,417 (4.8) 18,210 14,789 32,999 (-12.8) 3 703 706 (-0.1). 26.,.,..

57 5 1, 3 1. ( ). tw = tv ( n) - m 12 - m 12 t tw :, tv ( n ) :, :, t : m :, n : 3 10 10, 3 7 7..,,,,.. 25). 25) 32 ( )

58 2001 247.,,.,,, 26). < - 28> m - t = P m m : 3, 6, 12 ( ), t :, P :,, 50% [( - - ) 100(%)] 26) 34 ( )

59. 2001 7,372, 79.9%. 1) 1992, 2001. <- 4> 2001 1.2%. 1997 1.4 %2001 1.2%. 5 5

60. 60.4 % 8.4% < - 29> (: ) 1997 1998 1999 2000 2001 5 6,632 (1.4 %) 6,915 (1.5%) 6,767 (1.4 %) 8,396 (1.6%) 5,888 (1.2 %) 6,920 (1.4 %) 489,559 463,904 467,554 516,538 473,643 482,240 : 1) ( ) 2) [ (CY) : 112 / (FY) : 43 ] 3) 2001 15.6%, 2%. < - 30> 1997 1998 1999 2000 2001 95.4 % 64.0% 30.6% 44.8% 28.7% 44.6% 60.7% 64.8% 60.4 % 72.6% 9.6% 12.6% 8.5% 5.8% 5.6% 97.2% 96.2% 96.2% 96.2% 96.7% 12.7% 13.8% 10.9% 7.8% 15.6% 2.1% 3.8% 2.7% 2.5% 2.8% 2)

61 1999 2000, 2001 1,484. 1997 1.2%2001 20.1%. 5 73.5%, 36.7% 36.8%. < - 31> (: ) 1997 1998 1999 2000 2001 81 86 461 1,110 1,484 (a) 51 53 123 406 550 63.0% 61.6% 26.7% 36.6% 37.1% (b) 3 15 238 447 482 3.7% 17.4 % 51.6% 40.3% 32.5% (a+b) 66.7% 79.1% 78.3% 76.8% 69.5% 644 237 36.7% 237 36.8% 73.5% 3) 1997 7.1% 2001 1 4,846 1.0%. 1997 1.2%2001 1.0%. 392.5%

62. 2001 80%, 1999 54.8%2001 9.5%. 11,276 (1.2 %) < - 32> (: ) 1997 1998 1999 2000 2001 5 11,720 (1.3 %) 12,484 (1.1%) 13,405 (1.1%) 14,846 (1.0%) 12,746 (1.1%) 909,209 922,985 1,102,953 1,207,300 1,430,340 1,114,557 : 1) ( ) 2) [ (CY) : 112 / (FY) : 43 ] 3) < - 33> 1999 2,000 2001 2.2 % 0.0% 1.2% 7.1% 1.2 % 7.0% 90.8 % 12.1% 92.2% 8.2 % 94.1% 16.5 % - 0.7% -400.9 % 7.9% 19.8 % 5.0% 128.4 % - 31.4 % 11.0% 53.8% 12.1% 79.5 % 12.3 % - 54.8 % 10.3 % 30.6% 3.6% 9.5 % 7.9 % - 3.9 % 2.8 % - - - - 2.0% 3.9 % 1.4 % 5.9 % 1.4 % 6.2 % 1.2 % 6.7% 1.3% 9.4 % 0.1% 5.2 % 96.2 % 11.4 % 96.2% 8.1% 96.7% 16.2 % 3.8 % - 3.8% - 3.3 % - 100.0% 10.9 % 100.0% 7.8 % 100.0% 15.6%

63 4.. 85 37,759, 1 5 (6,550). 1960 5, 1964 4. 1972, 1995. (22), 3. < - 34> 1960. 5 1964. 4 1972. 8 1973. 3 1974. 5 1987. 7 1992. 10 1995. 1 2000. 4 2000. 11 (2338 ) ( )

64.. ( 7 ),,. 97 ( ).,,. 6 ( )., 8385.. 21. 3.

65 27),.., 28). 407. 200191.1%, 50.4 % 47.4 %. < - 35> (: ) 1999 2000 2001 619 847 985 572 766 927 27 16 6 1,218 1,629 1,918 33 33 38 - - - 1,251 1,662 1,956-41 149 2 12 38 - - - - 2 4 2 55 191 1,253 1,717 2,147 27) 832() 28) 97, 21 212, 28 30

66, 1,130. 29).,. 20015375 1.0%, 6.1%. < - 36> (: ) 1997 1998 1999 2000 2001 5,169,489 5,058,113 5,000,470 5,281,511 5,371,919 17,456 16,777 15,234 13,928 13,378 12,666 10,998 11,079 10,496 10,013 30,122 27,775 26,313 24,424 23,391., 29) 40 ( ) 3911

67 30)...,,..,,... 1,., 1 80%~120%.,.,. 30) 8 ( ),.

68 < - 37> (%) = (2)/ (7 + - ) 12/ 6 100 -,, 6 -,,,, (%) = (3 + 3+ 1 )/ 3.,,,,. (2002.5.1). 31) 50% 31) : ( + )-( + + + + ) / ( + )

69. 11 32) 33). 50%,.. 2001 1250.,,.. < - 38> 30% 20% 30% 1% 15% 32) = ( - - )/ 100(%) 33) ( )

70. 2001 1,956, 91.1%. 1) 5 10.7% 13.7%, 2001 1,956 6,770. 0.4%. 1997 0.3%2001 0.4 %. < - 39> (: ) 1997 1998 1999 2000 2001 5 1,301 (0.3 %) 1,220 (0.3 %) 1,251 (0.3%) 1,662 (0.3 %) 1,956 (0.4 %) 1,478 (0.3 %) 489,559 463,904 467,554 516,538 473,643 482,240 : 1) ( ) 2) [(CY) : 112 / (FY) : 43 ] 3) 3 3

71 66.1% 9.7%. 2001 9.1%, 20%. < - 40> 1999 2000 2001 10.7% 45.5% 31.2% 72.1% 67.9% 60.7% 0.3% 12.7% 13.1% 90.7% 97.6% 97.5% 8.2% 11.0% 9.1% 1.9% 23.7% 22.2% 2) 19992001 9.8% 191. < - 4 1> 2000 2001 5,534 19,102 (: ) (a) (a) (a+b) 746 2,904 13.5 15.2 779 2,953 14.1 15.5 27.6 30.7 3) 2001 6,770 0.5%.

72 2001 0.5%. 1997 0.4% < - 42> 4,051 (0.4 %) (: ) 1997 1998 1999 2000 2001 5 4,261 (0.5 %) 4,795 (0.4 %) 5,577 (0.5 %) 6,770 (0.5 %) 5,091 (0.5 %) 909,209 922,985 1,102,953 1,207,300 1,430,340 1,114,557 : 1) ( ) 2) [(CY) : 112 / (FY) : 43 ] 3) < - 43> 1999 2000 2001 1.1% 3.01% - 0.38% - 6.26% 0.3% 30.40% 0.8% 4.06% 1.1% 3.00% 88.2% 9.40% 90.4% 11.40% 95.3% 6.42% - 1.0% 37.06% 3.9% 17.33% 6.6% 18.02% - 19.8% 6.58% 60.2% 10.50% 69.5% 6.50% - 58.6% 9.55% 31.7% 10.05% 19.2% 6.13% - 8.7% 8.41% - - - 8.05% - 0.3% 12.22% - - - - 4.56% - - - - - - 8.05% - 0.3% 5.35% 1.1% 0.00% 0.9% 0.00% 0.8% - 90.7% 9.50% 97.6% 11.20% 97.5% 9.35% 9.3% 0.73% 2.4 % 0.62% 2.5% 0.46% 100.0% 8.24% 100.0% 10.99% 100.0% 9.11%

73 3 91.7%. 352.6% 34.3%, 0.3%.

74 5.. 1905,. 1929 10, 1937. 1952 12, 1953. 1961 10, 1962 2 1 5. 60 1971 9.3%,, 1977 1., 119, 924(

75 359), 400, 360. 1983 7,,,, 5. 1999 12 28. 2001 7 1 (,, ). < - 44 > 1929. 10. 1 1952. 12. 6 1976. 12. 22 1977. 1. 1 1982. 12. 31 1983. 7. 1 1999. 12. 28 2001. 7. 1 1983 7, 1997.

76 1998 5.2% 24.3%, 1998 81.3%....,.,,....,,.

77 < - 45> 1983. 7. 1 () 1988. 8. 27 1993. 1. 26 1997. 2. 21 1991. 1. 6 () 1 1 1300 110 150 1 2 1600 110 150 1 3 1900 110 150 1 4 1900 110 150 1 4 1900 2000. 4. 4,, 34).,. 1. 34) 4 ( ) 45 ()

78 < - 46> -,,,,,....., 2 35). 35) 2 1 (55 )

79 2002 2 10 36). 6 2 2 < - 47> (6 ) - -, - 80 - - - 1% All-Cover - - - 0 70 - - 3 - -,, - - - (3, 5, 7 ) - (2002. 25.5%) (2 ) - - + -, - (2002. 25.0%) (2 ) - - 36) 2002 7, 11

80 4 5. 3 5, 65.9%...,,,.,. 8 2,800.,,.,,, 2022.

81 < - 48> - - - - - - - - () - 3 5 (,, ) - 4 5.,..,. 5.0% 5.5%, 1%..,,.,.

82,,.,,., 70%, 30% () ( ). 2 (),...,.,.

83 < - 49> - (5 ) ( ( ) ) - -., - - ( ) -, < - 50> 10090 10020 1002 10020 1001. 1)

84 85 27.2% 34.4%, 2001 5 6,481 17 7,459. 1998. 1997, 1999., 1999 36.8% 2000 81.3%. < - 5>

85 < - 51> (: ) 1995 1996 1997 1998 1999 2000 2001 21,455 25,226 28,321 35,200 48,155 87,286 56,481 24.6% 17.6% 12.3% 24.3% 36.8% 81.3% -35.3% < - 52> (: ) 1997 1998 1999 2000 2001 5 28,321 (5.8%) 35,200 (7.6%) 48,155 (10.3 %) 87,286 (16.9%) 56,481 (11.9 %) 51,089 (10.6%) 489,559 463,904 467,554 516,538 473,643 482,240 : 1) ( ) 2) [ (CY) : 112 / (FY) : 43 ] 3) 2001 11.9%4. 1997 5.8%2001 11.9%. 90 15% 2001 65.3%.

86 < - 53> (: ) 1995 1996 1997 1998 1999 2000 2001 23 36 49 69 144 233 341 () 15.2% 21.7% 26.8% 34.3% 49.7% 55.3% 65.3% 128 130 134 132 146 188 181 () 84.8% 78.3% 73.2% 65.7% 50.3% 44.7% 34.7% 151 166 183 201 290 421 522 ( ) 11.0% 9.9% 10.2% 9.8% 44.3% 45.2% 24.0% : 5 61.0% 5.2%. 2000 20015.9% 8.5%. 2001 7.2%.,. < - 54> 1997 1998 1999 2000 2001 49.1% 66.9% 97.0% 94.2% 47.0% 82.5% 90.1% 58.6% 37.3% 70.6% 5.8% 5.2% 5.1% 4.1% 6.9% 99.97% 99.91% 99.97% 99.98% 99.96% 10.7% 10.9% 10.6% 5.9% 8.5% 14.2% 18.6% 11.8% 8.8% 7.2%

87 2) 2001 17 7,469. 1997 6.6%2001 12.4 %. < - 55> (: ) 59,643 (6.6%) 1997 1998 1999 2000 2001 5 66,551 (7.2 %) 91,616 (8.3 %) 147,827 (12.2 %) 177,469 (12.4 %) 108,621 (9.7%) 909,209 922,985 1,102,953 1,207,300 1,430,340 1,114,557 : 1) ( ) 2) [ (CY) : 112 / (FY) : 43 ] 3) < - 56> 1999 2000 2001 34.0% 12.1% 44.8% 4.2% 24.5% 9.1% 50.3% 10.2% 41.1% 6.8% 62.9% 8.8% - 23.1% 7.5% 15.1% 13.2% 21.9% 7.6% - 27.2% 12.3% 25.9% 2.7% 41.1% 9.4% 7.5% 10.5% 4.3% 10.9% 4.1% 9.1% - 1.3% 13.1% 0.3% 11.0% 0.3% 9.9% - 6.2% 9.4% 4.0% 10.9% 3.7% 9.0% 6.0% 8.3% 6.4% 8.6% 7.0% 6.7% 0.8% 2.0% 0.5% 2.7% 0.3% 3.2% 1.4% 0.0% 2.9% 0.0% 1.1% 0.0% 100.0% 10.6% 100.0% 5.9% 100.0% 8.5% :

88 3 52.4 %, 33.8%, 6.6%..

. 1.. (1 ). : ( 917 ) : 6 () 1 4 < - 1> 1945. 4 10 1958. 7 1960. 7 1961.12 ( 917 ) 1962. 7 1974. 1 1998. 5 (2000. 5. )

90 ( 82 ). 152 ( 1998-69 ). < - 2> 1997 1998 1999 2000 2001 492 494 504 425 539 428 572 501 619 570 : 1) 2) ( )() 321 (3) 321 (3) 278 (3) 278 (3) 278 (3). :,,,. :. :

91., ( 62).,, 4. 11 3, (,, ). 5 (1997 2001) 716, 562 78.5%, 32.1%, 110.6%. < - 3> (: ) (%) 1997 1998 1999 2000 2001 10,816 12,574 13,372 15,862 19,015 4,777 4,451 5,171 3,842 5,588 8,729 10,452 10,309 12,034 14,710 3,939 3,937 4,141 5,547 5,418 117.1 114.4 108.1 110.8 105.9 71,639 23,829 56,234 22,982 110.6

92 < - 4 >,,, (,, - 1: 1.5, ) - 1 : 1.5* - 1 : 1-1 : 10-1 : 1 60.7.10 ( ) 61.12.30 ( ) - 1 :15/ 30 85 74.01.01 93 - (E/ L) - - 3 - (TLO), (S/ L),,,1958.7.10 (S/ L) ( ) (P/ A), (G/ A), (RDC) - : 11 13 - : 2.5 6.5 - : 3 8 - : 7 9 - : 2.5 5 - : 4 5 - : 12 61.12.30 ( ),98.4.2 ( - :10 1,000 ) - - : 100 1,000 - - 3 - -

93 (2001 ) 224. < - 5> (: ) 1997 18,783 - - - 18,783 1998 19,592 - - - 19,592 1999 21,083 - - - 21,083 2000 21,525 - - - 21,525 2001 22,436 - - - 22,436., 3. : (3), (1), (1), (2), / (1), (2) (23 ). ( 62 1 ) ( 391 ) ( 393 )

94 ( 394 )., ( 34 ). ( 62 3 ). ( 36 )..,. ( 30%), 391, 40..

95 : 6. 121 12 2...,, ( 402 ). 50% ( 412 ).. ( 41 ). ( 47 ). : :. < > 331 2, 212.

96. ( 342 )..

97 2.. 1948.,. : 32 ( ).,,... : 29.

98 < - 6> 1948. 8 1962. 7 1964. 6 1974. 4 1990. 1 1996.12 1997. 8 1999. 7, ( ) : (7) : : (8 ) :,, :, :. < - 7> 1997 1,107 10,710 1998 1,159 10,806 1999 1,181 10,960 2000 1,200 10,697 2001 1,215 10,619 : ( ), 1 39 (19) 40 (19) 36 (20) 35 (20) 35 (20)

99.,, ( ),.. 32, 46, 5 219. 5( 97-2001) 243, 20082%. 517572%, 154 %.

100 < - 8> (: ) 1997 60,396 4,920 4,921 2,331 1998 62,704 4,165 5,966 3,780 1999 62,699 4,356 4,594 3,028 2000 79,900 4,600 2,424 2,704 2001 90,663 6,271 2,016 5,620 < - 9> (: ) 1997 100.0 47.4 147.4 1998 143.2 90.8 234.0 1999 113.7 69.5 183.2 2000 52.7 58.8 111.5 2001 32.1 89.6 121.7 20019071999 630 45%..

101. ( ). ( 26 13 ). 1 3 5,,, ( ). (, ). 2002 4 1 1948 50 1998 60 17. 32.

102, ( 5 7 ). 1948 24..,.,.,,.,,.

103. 1. 3 3.,,,..

104 3..,,,. 32, 15 ( ) 242(). : 4 (). 1964. < - 10> 1964. 9. 23 1988. 6. 1 1994. 1. 27

105 : 5. :,,,,. :,. < - 11> 1997 1998 1999 2000 2001 248 248 248 248 248 16 6 14 21 21 46(3) 40(2) 40(2) 43(2) 44(2).,. :,,,,.,,, ( ).

106 8. : 15,. : 1964 9 ( ),. : 1994 1 ( ), (,, ). :.,. 5 ( 97 2001) 326, 62, 78 19.1%, 24.0%, 43.1%.

107 < - 12> (: ) 1997 4,834 338 463 51,360 1998 5,748 1,505 1,756 59,922 1999 6,614 2,617 3,025 66,681 2000 7,285 866 1,386 75,560 2001 8,115 913 1,179 86,876 (57%) (42%) 9768.6%, 2001 870. < - 13> (: ) 1997 51,536 51,536 11,158 559 39,819 1998 59,922 59,922 20,316 559 39,047 1999 66,681 66,681 27,818 563 38,300 2000 75,560 75,560 38,074 562 37,486 2001 86,876 86,876 49,443 562 36,871

108. : ( 242). :. : 21, 5. ( 8 ),,. 8( ),..

109 4.. (62 ). 61 (), 64 () 22 ( ).. * 61 () (). 1979 6.

110 < - 14> 1978. 11 1979. 6 60. < - 15> 1997 1998 1999 2000 2001 1,824 1,799 1,791 1,792 1,792 610 (1) 600 (2) 595 (2) 603 (2) 598 (2).. ( 64 1 ).

111.... ( 642 ).,. 64 (). < - 16> (8,000, 1,, 1985 8,000) 1979.6 1979.6 2,000

112 5 ( 97 2001) 1 804, 8,541, 1,680 79.1%%, 15.5%, 94.6%. < - 17> (: ) 1997 1998 1999 2000 2001 238,996 258,877 200,194 183,569 198,715 194,266 175,885 168,111 162,728 153,145 26,327 34,401 33,547 34,867 38,819 284,935 272,383 247,593 211,765 191,063. 2001 12.31 2,977, 80.4 %, 3.4 %, 16.2%. < - 18> (: ) 1997 1998 1999 2000 2001 306,974 347,041 324,011 305,237 297,677 233,967 262,470 251,183 241,719 239,239 65 147 120 148 158 3,687 6,474 6,686 9,209 9,800 242,577 283,521 270,655 260,530 257,915

113 : 26 ( ), 91110-694. * 26 ( ). 1.,. 2.. 3.. 4.. *, 91110-694, 99. 9. 22() 1.. :. :. : 65 1. * 65 ( ). :. :. (),

114. : 1 (1). 65 () 85 ( ).. 61 () 64 ().,,,. ( 644 ).. : 22 2. * 22 ( ). (

115 ) 2 (,, ). 2.. :.,,.,,,. : 64, 25, 85, 86, 87, 88, 89. * 85 ()..

116 * 86 ( ). * 87 ( ),. ( ) * 88 () 150%. () * 89 ( ). () : 2. : 25 2,, 91110-694 99. 9. 22(). * 25 ( ) 2. 2,. *, 91110-694 99. 9. 22()

117. : 1 1. (). :.. :..

118 5... 1981 3 24 1981 12 24. < - 19> 1981. 3 1981. 12 5. 60.

119 < - 20> 1997 1998 1999 2000 2001 377 396 474 480 460 485(2) 461(2) 456(2) 450(2) 461(2).. ( 64 1 ).. 64 (). () (, ).,.. ( ) :

120. ( ) :. : 2,000. 5 ( 97 2001) 9,205, 6,339, 968 68.9%, 10.5%, 79.4 %. < - 21> (: ) 1997 1998 1999 2000 2001 220,553 211,033 180,213 153,763 154,927 152,128 138,560 110,805 109,190 123,168 18,339 19,648 18,987 18,912 20,959 50,272 57,920 65,432 72,381 78,849 20014,655, 5. 26 ( ). 2001 12.31 : 64.5%, 1.6%, 33.9%.

121 < - 22> (: ) 1997 431,571 268,055 285 5,369 273,708 1998 474,638 301,364 282 5,369 307,015 1999 481,907 314,398 289 5,305 319,992 2000 466,819 311,868 150 7,301 319,319 2001 465,536 300,051 107 7,553 307,711. (),,,,,,,,,.,,. 64, 8, 19, 20, 82. * 20 () 198. : 33.

122 * 33 (),. 2 3,. 1. *, 91110-694, 99. 9. 22() : 1.

123 6... 1993 2 1. < - 23> 1992. 4 ( 10 ) 1992. 7 1993. 2 (,,,, ) 1993. 8 1999.10. 10 6 ().

124 60,. < - 24> 1997 1998 1999 2000 2001 81,383 88,337 94,201 109,178 120,353 221(1) 243(1) 240(1) 264(1) 282(1).. ( 64 1 ).. 64 ()

125. < - 25>,, 18,000 93. 2.1 1 2, 3, 5 (3) 12,000 12 99.11.1 93. 2.1 5 ( 97 2001) 2,565, 2,292, 536 89.4 %, 20.9%, 110.3%. < - 26> (: ) 1997 37,164 29,479 8,077 35,783 1998 43,200 37,665 9,001 40,928 1999 44,996 47,463 10,041 42,774 2000 53,554 56,156 11,957 50,203 2001 77,562 58,457 14,545 58,113

126 98 2000, 200129% 835. < - 27> (: ) 1997 1998 1999 2000 2001 57,695 66,852 63,944 64,843 83,479 42,566 14 767 47,933 14 1,053 43,886 14 1,027 42,929 23 1,811 58,867 23 2,082 43,347 49,000 44,927 44,763 60,982, 1. 2001 12.31 : 91.1%, 4.8%, 4.1%.. (),,,,,,,,,,,.

127 7.. 33 ( ) 35 ( ). 36 () * 36 (). 1981 7 1.

128 < - 28> 77.12 81.02 81.03 81.06 81.08 85.08 87.08 88.07 : 6.. 35 1. < - 29> 1997 1998 1999 2000 2001 5,101 5,607 5,888 6,584 7,409 640(2) 626(2) 618(2) 600(2) 585(3)

129.. (11 )....., (10 ). ()..

130 < - 30> 1985.8.1 1981.7.1 () 2,000 1 1981.7.1 1981.7.1 (8,000) 1998.3.11 5 (1997 2001) 9,236, 8,289, 2,071 89.8%, 22.4%, 112.2%. < - 3 1> (: ) 1997 1998 1999 2000 2001 258,302 214,242 137,957 135,651 177,437 185,363 129,710 168,109 176,135 169,612 39,258 37,062 38,003 43,456 49,325 187,108 152,512 200,763 203,425 189,576

131 2001 3,087199733.7%., ( 27 ). 2001 12.31 : 91.1%, 4.1%. 4.8%. < - 32> (: ) 1997 465,853 300,488 37 22,523 53,664 1998 487,256 296,335 20 17,227 132,910 1999 350,409 281,112 362 5,623 20,379 2000 311,522 245,959 362 5,921 12,170 2001 308,748 242,454 368 10,578 12,648. :. : ( 37 ).,

132. :. 37. * 37 (). : 1. ( 50 )..,,. 10, 26, 52, 53.. * 26 (),. ().

133. : 76.... ( ) 2...,.. 2%, 2% 100%, 2% 100%, 2% 100%, 75% 100%, 75% 100%.,..

134 76. * 76 ( ) 1. (). 2,..

135 8... 1997 12 24. 3.. 60. < - 33> 1998 1999 2000 2001 678 814 1,046 1,151 38(1) 51(1) 72(2) 92(1)

136.. ( 64 1 ).. 64 (). ( ) (,, ). < - 34> 1997.12 () 1997.12 2,000 1999.11 1999.11 (3,000) 1999.11

137 20014 528, 568, 70 107.7%, 13.2%, 120.9%. < - 35> (: ) 1998 4,013 2,528 841 4,511 1999 5,882 7,906 1,381 8,957 2000 13,714 15,969 2,185 19,757 2001 29,150 30,443 2,570 28,713 2001 155 38%. : 28 ( ).,,.... : 1.

138 < - 36> (: ) 1998 4,775 4,249 359 4,608 1999 5,973 5,021 786 5,807 2000 11,249 10,201 896 11,097 2001 15,541 14,493 836 15,329. (),,,,,,,,,.

139 9... : 282() 15 2 3.. 1981 11 1 1. < - 37> 1981. 10 1981. 11 1 : 1('81.11.1 '82. 10. 31) 1983. 11 3: 300(7) 1990. 8. ( 282 ) 1990. 11 101,000 (,,, ) 2001. 11 21

140 < - 38> 1997 1998 1999 2000 2001 6,309 6,441 6,442 6,748 6,670.. 152.... (153).

141 < - 39> (, ),, 1 1 : 1,000,3 * : 1981.11.1... 01254-10652(90.8.14) (,94.1.7 )... 153 () (,94.1.7 ) 12, 8. 2001 28. < - 40> (: ) 1997(16 ) 1998(17 ) 1999(18 ) 2000(19 ) 2001(20 ) 1,180 1,209 1,211 1,200 1,251 881 990 922 867 807 2,074 2,157 2,149 2,686 2,771

142.. 153..

143 10..,,,. : (5804 ). 2000 1 27. < - 4 1> 1999. 2. 5 (5804 ) 2000. 1. 26 2000. 1. 27

144,,,,, ( 19 8 ). < - 42> 2000 2001 61 71 11(1) 11(1).. 2000.1.26. 80%, 15%, 5%. 20002001 37, 1335.6%.

145 < - 43> (: ) (%) 2000 2,160 605 28.0 2001 3,709 1,321 35.6 < - 44 > (: ) 2000 3,737-3,737 4,500 2001 4,591-4,591 5,159. :. :,. ( 15 )..

146 ( 51 )...

. 1.... 1997. : 54. : 56 1 1 5. 1963.

148 < - 1> 1963. 7.31 1961. 10.21 1963. 11.28 1997. 7. 1 2000. 7. 1 ( 544 9 ). < - 2> (: ) 1997 1998 1999 2000 2001 3,716 4,021 4,988 5,197 5,454 461 (7) 445 (6) 439 (6) 429 (6) 428 (6)

149.,.,,.,,,,,,,,,,,,,,,.. 9798 500%. () 1997 27 2001 26, 19973452001 645 2.

150 < - 3>,,,, 3,,,, ( 33 )

151, ( ) ( ), ( 33 ) ( ) 3 (,,,,, ) : 1.,. 2.,,,.

152 < - 4 > (:, %) () 1997 1998 1999 2000 2001 30,625 31,585 34,203 33,815 35,397 34,513 39,681 52,835 62,941 64,492 196,759 258,065 81,143 35,846 60,218 570.1 650.3 153.6 57.0 93.4 < - 5> () ( ) 2001 1997 2001 1997 4,940 34,028 268 2,122 132,128 114,833 27,749 11,082 6,740-401 - 2,200 14,510 120 1,800 57,259 39,232 11,636 4,169 4,517 6,076 1,173 635 47,209 58,752 18,167 12,170 37 169 1 14 556 389 142 106 387 338 149 139 73 358-182 - 1,226-1,845 20 129 1 51 333-408 - 6,265 1,420 4,276 156-137 - 41 262,667 271,595 64,492 34,513 :.

153. :.. ( 58 ). (55 ). ( 52 ). (65 ). (62 2 ). ( 512 ).,,. ( ). ( 63

154 60 ). (). ().. (213) :. :., (88, 4 ).. : :. (69 761 ).. (12451-26(2000.7.5) ).

155. ( 61 ). ( 57 ). ( 62 ). ( 65 ).,, ( 51 ). :.

156 2... : 54. : 56 1 1 () 5 (). 1988 5 2. < - 6> 1987.10 (3935 ) 1988. 3 1988. 5 1996. 7 1996.12

157 ( ). < - 7> (: ) 1997 1998 1999 2000 2001 21,538 22,664 25,769 27,680 28,899 529 (7) 504 (7) 493 (7) 476 (7) 476 (7) ( 56 ) ( ).. (). ().

158 *,,.. 21......,. < - 8>,,,,,,,,,,,,,,,

159 9798 400% 2000 70%. () 1997 27 2001 26, 19973452001 645 2. < - 9> 1997 1998 1999 2000 2001 () 99,032 85,643 68,437 42,130 40,736 ( ) 10,954 17,219 24,074 25,091 30,416 ( ) 73,326 76,473 32,766 19,311 23,186 669.4 % 444.1% 136.1% 77.0% 76.2% < - 10> () ( ) 2001 1997 2001 1997 4,479 59,588 156 888 23,406 24,420 16,134 4,269 3 1 1 4 7,301 5,690 11,342 3,121 5,493 9,245 2,721 2,566 32 14 40 18 18 4 23 4-43 - 8 2 27 4 76 6-4 - 40,736 99,032 30,416 10,954 :.

160 2001 2 952, 56% 1 1,632, 33%, 9%. < - 11> (: ) 1997 16,484 1,187 12,501 408-1998 17,723 2,133 12,092 1,931-1999 19,949 4,942 11,541 1,885-2000 20,823 5,745 12,305 1,838-2001 20,952 6,874 11,632 1,850-14,096 16,156 18,368 19,888 20,356. :. :. ( 5615 ) ( 58 ). (42 ). ( 51 ). ( 512 ).

161 ( 51 ). ( 561 ). ( 65 ).,. ( 62 ). ( ).. 6360 :. (). ().. (80 ) :. :. (87 )..

162., (78 ). (: 12451-26(2000.7.5)). :. ( 61 ). ( 57 ). ( 62 ). 1998.1 ( 63 ).,.

163 3..,. 13 1. 1993 5 26. < - 12> 1989.11.24 1990. 3.31, 1992.11.25 (4501 ) 1993. 5.26 1994. 1.10 1998. 8.21 1999. 4.16

164,,,,,,,,,,,,,. < - 13> 1997 1998 1999 2000 2001 1,149 1,247 1,282 1,237 1,232 35(2) 36(2) 36(2) 38(2) 38(2). ( 1345 1 ) (,,,, ). (CM)., ()..

165., 46 1..,. 214, 223 338. 1998. 7. 1. :,, 3. :,,,,. :,,,, ). :,,,. :,,..

166 20019820%, 94%. < - 14> (:, %) (b) (b/ a) (a) 1997 3,027 2,483-82% 1998 3,857 3,213 29.4 83% 1999 6,354 5,726 78.2 90% 2000 8,372 7,778 35.8 93% 2001 10,280 9,677 24.4 94 % : 20.,,,,. 1002, 10020, 10080 ( 10030), ( ) 10070, 10020, 10020.

167 < - 15> (: ) 1997 1998 1999 2000 2001 20,537 37,139 49,607 55,406 68,963 0 0 0 0 0 6,445 6,649 7,120 6,923 6,139 46,144 60,961 77,979 88,707 105,360. :. 20%, 5%, 75%...,. : 1 3%..

168 4..,,. : 27. 1997 2 7. < - 16> 1995. 12 1996. 12 1997. 2 1997. 4 1997. 7 1997. 12 1998. 1 2000. 1 ( ) () ( ) ( ) :

169 2 () S/ W S/ W. < - 17> (: ) 1997 1998 1999 2000 2001 178 244 394 580 724 10 12 20 24 18 188 256 414 604 742 10(1) 17(1) 17(1) 17(1) 17(1). : 28 () (, ),....

170. 1,, < - 18> S/ W, < - 19> (: ) 2000 5 957 58,090 2001 11 1,493 72,743., :. : 1.

171 :.,.. ( ), ( ) ( ).,..

172 5.. (). 40 (: 402). 1987 1. < - 20> 1986. 10. 08 1986. 11. 20 1986. 12. 23 1987. 01. 10 1996. 08. 19 2000. 05. 03 (EM) ( )

173 (,, ), EM (EM). < - 2 1> 1997 1998 1999 2000 2001 147 147 156 166 158 EM 29 46 49 52 50 176 193 205 218 208 38(2) 39(2) 35(2) 34(2) 33(2) :. (,,,, ). (EM) (,,,, ).,.

174 2001 45, EM 2 3, () 9,258, EM 68. < - 22> (: ) 1997 264,929 298,429 22,490 144,515 439,166 1,169,529 4,293 1998 104,908 197,254 576 118,608 357,630 777,976 3,515 1999 57,525 205,367 44 126,613 357,890 747,439 3,503 2000 37,527 279,532 39 109,503 352,602 779,203 3,436 2001 155,955 331,101 0 112,372 326,324 925,752 4,510 < - 23> (EM) (: )) 1997 - - - 438-438 2 1998 - - - 2,347-2,347 13 1999 - - - 2,673-2,673 17 2000 7 239-1,890 271 2,407 8 2001 25 1,289-2,238 3,237 6,789 23

175 200145820% < - 24 > (: ) 1997 1998 1999 2000 2001 19,413 23,798 30,989 38,197 45,767. ( ) :. : 21.

176 6..., 45, 31. : 46. 1986 9( ). < - 25> 1986. 4 ( 11877 ) 1986. 4. 1986. 9 1988. 3 1998. 3

177 3. < - 26> 1997 1998 1999 2000 2001 1,605 1,884 2,559 3,082 3,590 70(16) 72(16) 72(16) 74(18) 74(18). (9 ),,,,,.,,.. 2001 12, 6,774.

178 < - 27> (: ) 1997 1998 1999 2000 2001 5,318,402 1,009,880 925,479 368,278 273,705 154,840 116,653 163,258 214,458 208,302 42,508 51,280 55,769 81,987 86,977 254,350 94,674 114,872 131,151 106,209 15,324 21,581 7,113 164 127 95 46 1,076 50 157 549 141 460 260 354 1,021 730 4,712 373 2,062 53 5,785,424 1,294,068 1,269,201 803,403 677,384 < - 28> (: ) 1997 1998 1999 2000 2001 798 173 159 70 49 176 164 193 232 219 259 348 392 571 611 535 283 321 356 333 81 69 33-3 2 1 1 2 3 1 3 13 3 18 4 10 12 1,849 1,037 1,105 1,260 1,244

179 < - 29> (: ) ( ) 1997 35,477 220 56,562 9,291 9,000 110,550 1998 41,373 220 79,287 9,291 10,513 140,684 1999 60,016 219 76,966 9,291 8,717 155,209 2000 68,634 219 75,353 9,291 12,053 165,550 2001 76,331 4 76,660 9,291 13,169 175,455. : (41 )., (31 ),. ( ).. 65 :.

180. 1002. (73 ). /. :., (63 )...,,. 35 (), 36 (). :.

181 7... (3570 ). 1983 10, < - 30> 1982. 11 1983. 5 1983. 6 ( ) 1983. 10 2002. 2 ( )

182. 2 3 < - 31> 1997 1998 1999 2000 2001 4,304 4,216 4,094 3,899 3,810 154(4) 144(4) 144(4) 144(4) 144(4). ( ),. (,,,, ). (, )...

183 < - 32> () ( ) 2001 1997 2001 1997 25,670 57,319 338 482 3,748 4,500 458 278-80 - 80 1,138 1,575 444 272 965 664 261 89 2,020 2,888 583 407-2 - 0 26 16 31 12 3 4 6 4-32 - 54 33,570 67,080 2,121 1,678 2001 21, 7, 336. < - 33> (: ) () 1997 67,080 1,678 2,570 1998 31,497 1,268 8,192 1999 29,557 1,243 3,446 2000 25,873 1,533 1,341 2001 33,570 2,121 690

184 2001 3,734, 60% 2,076, 32%, 8%. < - 34> (: ) 1997 1998 1999 2000 2001 3,446 3,362 3,456 3,575 3,734 275 740 1,073 1,145 1,213 1 0 0 0 0 2,714 2,217 2,000 2,076 2,171 294 294 294 294 301 162 111 89 60 49 3,446 3,362 3,456 3,575 3,734. :. ( 40 ). ( 411 ). ( 106 2 ). ( 44 45 ). ( 42 ). ( 171 ).

185 ( 332 3 ). ( 473 ). ( 603 ).,., ( 342 133). ( 39, 602).. : :. ( 303 ). ( 411 ). ( 106 2 ).

186 ( 44 45, 12 )..( 342, 133). ( 34 ). ( 351 ). ( 36 ). ( 37 ). ( 39 ). :.

187 8... 30 ( ), 35. : 19 ( ) 35 2(). 1991 6.

188 < - 35> 1986. 3 ( ) 1990.12 1991. 6 ( 352) 1994. 6 1997.12 ( ) 1999.12 LG( ) 2000. 6 (1, 5 )( 23) : 6.. < - 36> 1997 1998 1999 2000 2001 41,265 40,567 44,956 40,431 38,910 129(23) 126(23) 181(18) 128(17) 129(18).

189 (),. * 19 ( ) 10,. :.,, 16 ( ) ( ). *.... ()1 5. 4(1, 2, 3, 5 )..

190 5272, 36, 42 13%, 15%, 28%. 2000 6 2001 90 65%. < - 37> (: ) 1997 4,179 480 11.5% 349 1,000 1998 4,104 601 14.6% 457 1,000 1999 4,589 989 21.6% 352 1,000 2000 5,418 932 17.2% 1,319 1,800 2001 8,955 550 6.1% 1,674 2,200 2001150, 50%. < - 38> (: ) 1997 1998 1999 2000 2001 201 58 220 233 988 76 76 75 74 74 5,644 5,599 5,553 5,507 5,462 5,921 5,733 5,848 5,814 6,524 9,925 10,906 12,180 13,317 14,950

191. :.. 10 15%, 20%... 44.. :. :.

192 9... 40. 40. 3 1987 6 1. < - 39> 1967. 3. 30. (1937 ) 1968. 2. 5. ( ) 1986. 7. 1. (3806 ) 25 1987. 6. 1.

193 28. (35111,35112,35113), 5. < - 40> 1997 1998 1999 2000 2001 125 126 121 115 119 18(1) 18(1) 16(1) 14(1) 14(1).. :, (,,,,,, ). :,,,.,,,,.

194 < - 4 1> (: ) 1997 1998 1999 2000 2001 22.7 9.2 6.7 4.8 3.7 - - - - - 2.8 1.7 0.7 0.1 0.3 1,071 1,171 1,222 1,234 1,236 < - 42> (: ) 1997 1998 1999 2000 2001 1,493 1,592 1,633 1,632 1,659 333 474 667 706 806 4.3 3.3 0.2 0.1-30 55 55 40 10 919 919 919 919 919 1,286 1,450 1,641 1,665 1,735. : ( ).

195 : ( ). : 31.. ( ),.,. 2002 ( 407).

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197 < - 1> 1971. 1.22 1971. 3.16 1971. 6. 1 1979. 1. 1 1983. 3.16 1987. 4. 1 1995. 9. 1 (2296 ) : 7 () 72(), 4 () 42(). :,. <( )> 2 1. 2 2 4,,. 2 1.. <( )>.

198 60. 44. 10 55. < - 2> 1997-22,020 13(2) 1998 1999-7,817 34,152 31,773 15(2) 14(2) 2000 16,487 36,356 14(2) 2001 22,990 44,854 13(2) : 1),. 2) :.. :. :,,,. () :.

199 :. < - 3> (:, %) '95.9.1 7.5 '98.3.1 7.5 '98.3.1 7.5 '99 '00 '01 2 22 21 19 3 4 7 17 3 6 10 24 - - - - - - - - 3 '99.4.1 7.5 1 4 7 - - - - - - - - 33 42 67 : (),,,.

200. : 16. : 1 2. : ( ),. TM (Tele Marketing) : 2000. 5. 1. TMR : 5. :. :, ( ). (1 2 ). 1 2. TM 1. (2001 ) 67, 13, 4. 2000 26%, 2001 60.2% 2000.5 TM.

201 < - 4> (: ) 1997 1998 1999 2000 2001 ( ) 2,376 2,930 (23.3%) 3,341 (14.0%) 4,208 (26.0%) 6,740 (60.2%) 1,666 454-2,584 642-3,775 1,313 87 5,419 1,116 234 8,450 1,321 417 (2001 ) 2,52590%. < - 5> (: ) 1997 351,918 12 313,983 - - 35,946 349,941 1998 400,787 2,979 328,788 - - 64,553 396,320 1999 363,819 751 223,066 - - 128,876 352,693 2000 321,202 380 296,078 - - 13,682 310,140 2001 252,521 65 232,062 - - 13,935 246,062 : 2002 () 60% 7% 22% 10% 1% 100.0% (, )

202. :. :. : 21 () 49 (). (26 ).,,. () : 11 () 26 (). (, ), 2/ 3 2/ 3 (9 16 ).. 80,171(2001) ( + ) 2,525, () 100 0.12%.

203 ( ). < - 6> 1 ( 5 1 ) ( 5 2 ) ( 5 3 ) ( 5 4 ) ( 5 5 ) 1 1 2 6 1 2 6 1 4 1 4 1,000 1,000 2 : 700 3 : 500 4 : 300 5 : 150 6 : 100 1,000 2 : 700 3 : 500 4 : 300 5 : 150 6 : 100 1,000 3 12 (120) 1100 1,000 3 12 (120) 1100 : 2002. 6

204 ( 23, 51 ). 14 (), 15 (), 16 (). : 40., (26 3 ),. : :. 22 (), 50 (), 19 ( ), 20 ( ), 21 ().,.,.. :

205. :. 50%. 13 ( ),.., 17369 ( ) ( )( ). 7.5% 2 7.5% 7.5% 7.5% 3 3 3 : : : : : 10% : : : 10% : : : 10% :

206. :. :. :. (, TMR, ). ( ) ( ) O :,,,.

207 : ( ), (). : (,, ) 90 ( ). :. ( ),. t + m 12 V = tv + m ( t + 1V - tv) 12 ( ) = m - t P m, m : (6,12) t : P :

208 291 ( ),. 1611 11. 1715.. 1 3 (10050). 29 ( ). 2 ( ). 56 ( ). ( ) ( ). : tw = tv(n ), tw : tv(n) :,

209.., ( ),,,.. : 1. ().,.,

210.,,,,. :,. :. :..,,.,,.

211,. : 15 ( ), 18 (). :,,. :, (202( )). : 15 ( ), 18 (). :,,.,,..

212 2.. 1984. (),. ( 3698 ) : 14 * 14 (). 1.. 2.. 3...

213 < - 7> 1983. 12. 31 1984. 1. 9 1984. 2. 1 1984. 3. 1 (3698 ) : 7 (. ) 4 ()....,.,.,,....

214 < - 8> (: ) 1997 1998 1999 2000 2001 () 127,268 128,443 128,416 132,886 139,357 () 117(3) 120(3) 117(3) 102(3) 102(3). ( ).. *,,.. *,, (15), (, 100, 200), (, 50),.. 2002 (,, ) : 48.4 %. / (, ) : 32.1%., () : 19.5%.

215 2001 3,046, 1 7,608 199788.4 %, 60.5%. < - 9> (: ) 97 98 99 00 01 1,096,848 1,373,408 1,412,085 1,545,192 1,760,834. 942,899 1,030,688 492,228 415,359 652,996 2,541 5,104 524,063 675,315 569,282 ( ) 58,695 205,378 272,027 344,617 446,234 92,713 132,238 123,767 109,901 92,322 / 97,587 215,210 153,564 163,006 271,124 114,335 183,828 321,405 197,361 278,441 ( ) 201,922 399,038 474,969 360,367 549,565 161,696 186,675 203,544 240,437 304,596 167,432 () 285,986 186,507 245,931 313,834 329,128 472,661 390,051 486,368 618,430. :. :. :.

216 * 17 () 1. 3,,. * 12 (),.,. ( ) 172. * 172 (),.

217 3.. 1984. : 17. * 17 () ( ). 1.. 2.. 3.. 4....

218 < - 10> 1984. 10. 29 ( ) () 1984. 10. 29 1991. 11. 30 ( 7 ),,.,,. 142.. < - 11> 1997 1998 1999 2000 2001 21,483 19,837 19,778 20,234 19,923 10(2) 10(2) 10(2) 10(2) 10(2)

219.,,,. :.. 2001 427, 777 199776.4 %, 63.4 %. < - 12> (: ) 1997 1998 1999 2000 2001 24,201 25,861 31,194 38,198 42,699 47,562 49,998 58,587 69,668 77,734. :. :. * 20 () 1

220. 3,,. 21. * 21 (),.

221 4.. (4276 ).. : 16 26. < - 13> 1952. 4. 30 ( ) 1975. 2. 1 () 1990. 12. 31 (4276 ) : 7 42. :. :.

222 < - 14> 1997 1998 1999 2000 2001 210,148 204,731 197,190 195,137 192,101 119(4) 85(4) 85(4) 85(4) 85(4)..... 2001 1,557, 1 782 199719.6%, 44.6%. < - 15> (: ) 1997 1998 1999 2000 2001 130,211 131,027 124,706 135,469 155,712 745,800 806,700 906,700 912,200 1,078,200

223. :. * 19 () 1. 3,,. 20. * 20 (),.

224 5.. 32 1966. < - 16> 1966. 07. 12. (,, ) 1966. 07. 20. 1966. 11. 10, (36 ) < - 17> 1997 1998 1999 2000 2001 15,198 14,835 14,425 14,583 14,574 16(2) 16(2) 16(2) 15(2) 15(2)

225 6... (1991.11.30 4403 ) * 16 (). 1.. 2.. 3... < - 18> 1921. 06. 28 1947. 11. 28 1989. 07. 20 1991. 11. 30 1992. 01. 24

226 ( 4 )..,,,.. < - 19> 1997 1998 1999 2000 2001 77,544 72,733 75,335 83,467 85,159 242(3) 215(4) 181(3) 179(4) 216(4). (,,, ),,. * 25,. (2001 ) 5,276, 4,206 ( 3,830)80%. (, )

227 2001530,,,, 185. 2001 8 4, 5,276 1997115.4 %, 83.8%. < - 20> (: ) 1997 1998 1999 2000 2001 39 40 41 59 84 286,987 311,055 318,338 411,380 527,593. * 18 () 1. 3,,. * 13 ().

228. 19. * 19 (),.

229 7... 32. < - 21> 1925. 4 1945. 7 1964.12 1975. 5 1982. 7 (32 ) (4 )..

230 < - 22> 1997 1998 1999 2000 2001 23,461 22,555 21,582 20,824 21,369 - - - - -...... (2001 ) 462, 257, 205. < - 23> (: ) 1997 1998 1999 2000 2001 33,222 31,427 34,390 39,604 46,220 33,222 31,427 34,390 39,604 46,220

231. :.

232 8... 32. < - 24> 1972. 9 1980.12 1981.12 1998. 6...

233 < - 25> 1997 1998 1999 2000 2001 7,799 6,670 5,721 5,585 4,980 33(3) 33(3) 31(3) 30(3) 27(3). 23. (,,, )... 2001 3, 1541997 24.2%. < - 26> (: ) 1997 1998 1999 2000 2001 276 262 306 306 277 20,272 18,491 16,413 16,439 15,370

234. :.

< > (e-m ail: js1121@m ofe.go.kr) (e-m ail: ckahn @kidi.or.kr) (e-m ail: sikw on @kidi.or.kr) 2002-2 2 0 0 2 7 3 5-4 36 8-4 0 0 0 ( ) 2 2 6 8-0 6 76 ISBN 89-88001-91-5 93320 10,000