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연체자대출의 정의와 필요성연체자대출은 금융기관의 정규 대출 승인이 어려운 개인에게 제공되는 특수한 금융 서비스입니다. 이러한 대출은 재정적 어려움을 겪고 있는 사람들에게 숨통을 틔워주는 역할을 하며, 긴급한 자금이 필요할 때 큰 도움이 됩니다. 특히,