https://shld.co.kr/legal-insight/%EA%B3%A0%EC%86%8C%EC%A0%88%EC%B0%A8-%EC%9D%B4%EC%9D%98%EC%8B%A0%EC%B2%AD-%ED%95%AD%EA%B3%A0 2025-08-02 monthly 0.7