CentOS 5 이용자 질문입니다.

센트리눅스에서 기본으로 제공 되는게 vsftp 라고 알고 있습니다.
그래서 계정을 생성하고 예를 들어 money라는 계정을 만들고
접속 하였는데
421 Service not available, remote server has closed connection
라는 메세지를 띄우면서 접속이 안됩니다.;;;
무엇을 건드려야 할지 모르겠군요
vsftp.conf 파일 내용입니다.
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# Example config file /etc/vsftpd/vsftpd.conf
#
# The default compiled in settings are fairly paranoid. This sample file
# loosens things up a bit, to make the ftp daemon more usable.
# Please see vsftpd.conf.5 for all compiled in defaults.
#
# READ THIS: This example file is NOT an exhaustive list of vsftpd options.
# Please read the vsftpd.conf.5 manual page to get a full idea of vsftpd's
# capabilities.
#
# Allow anonymous FTP? (Beware - allowed by default if you comment this out).
anonymous_enable=NO
#
# Uncomment this to allow local users to log in.
local_enable=YES

#
# Uncomment this to enable any form of FTP write command.
write_enable=YES
#
# Default umask for local users is 077. You may wish to change this to 022,
# if your users expect that (022 is used by most other ftpd's)
local_umask=022
#
# Uncomment this to allow the anonymous FTP user to upload files. This only
# has an effect if the above global write enable is activated. Also, you will
# obviously need to create a directory writable by the FTP user.
#anon_upload_enable=YES
#
# Uncomment this if you want the anonymous FTP user to be able to create
# new directories.
#anon_mkdir_write_enable=YES
#
# Activate directory messages - messages given to remote users when they
# go into a certain directory.
dirmessage_enable=YES
#
# Activate logging of uploads/downloads.
xferlog_enable=YES
#
# Make sure PORT transfer connections originate from port 20 (ftp-data).
connect_from_port_20=YES
#
# If you want, you can arrange for uploaded anonymous files to be owned by
# a different user. Note! Using "root" for uploaded files is not
# recommended!
#chown_uploads=YES
#
# You may override where the log file goes if you like. The default is shown
# below.
#xferlog_file=/var/log/vsftpd.log
#
# If you want, you can have your log file in standard ftpd xferlog format
xferlog_std_format=YES
#
# You may change the default value for timing out an idle session.
#idle_session_timeout=600
#
# You may change the default value for timing out a data connection.
#data_connection_timeout=120
#
# It is recommended that you define on your system a unique user which the
# ftp server can use as a totally isolated and unprivileged user.
#nopriv_user=ftpsecure
#
# Enable this and the server will recognise asynchronous ABOR requests. Not
# recommended for security (the code is non-trivial). Not enabling it,
# however, may confuse older FTP clients.
#async_abor_enable=YES
#
# By default the server will pretend to allow ASCII mode but in fact ignore
# the request. Turn on the below options to have the server actually do ASCII
# mangling on files when in ASCII mode.
# Beware that on some FTP servers, ASCII support allows a denial of service
# attack (DoS) via the command "SIZE /big/file" in ASCII mode. vsftpd
# predicted this attack and has always been safe, reporting the size of the
# raw file.
# ASCII mangling is a horrible feature of the protocol.
#ascii_upload_enable=YES
#ascii_download_enable=YES
#
# You may fully customise the login banner string:
#ftpd_banner=Welcome to blah FTP service.
#
# You may specify a file of disallowed anonymous e-mail addresses. Apparently
# useful for combatting certain DoS attacks.
#deny_email_enable=YES
# (default follows)
#banned_email_file=/etc/vsftpd/banned_emails
#
# You may specify an explicit list of local users to chroot() to their home
# directory. If chroot_local_user is YES, then this list becomes a list of
# users to NOT chroot().
chroot_list_enable=YES
# (default follows)
chroot_list_file=/etc/vsftpd/user_list
#
# You may activate the "-R" option to the builtin ls. This is disabled by
# default to avoid remote users being able to cause excessive I/O on large
# sites. However, some broken FTP clients such as "ncftp" and "mirror" assume
# the presence of the "-R" option, so there is a strong case for enabling it.
#ls_recurse_enable=YES
#
# When "listen" directive is enabled, vsftpd runs in standalone mode and
# listens on IPv4 sockets. This directive cannot be used in conjunction
# with the listen_ipv6 directive.
listen=YES
#
# This directive enables listening on IPv6 sockets. To listen on IPv4 and IPv6
# sockets, you must run two copies of vsftpd whith two configuration files.
# Make sure, that one of the listen options is commented !!
#listen_ipv6=YES

pam_service_name=vsftpd
userlist_enable=YES
tcp_wrappers=YES

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