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연체자대출의 정의와 필요성연체자대출은 금융 기관의 대출 승인을 받기 어려운 사람들에게 필수적인 선택지가 되었습니다. 이러한 대출은 일시적인 재정적 어려움에 직면한 사람들에게 필요한 자금을 제공하며, 이들이 재정 안정을 되찾을 수 있는 기회를 제공합