• Korean Journal of Construction Engineering and Management
• /
• v.11 no.1
• /
• pp.101-112
• /
• 2010

The Korean real estate market currently is experiencing a slowdown due to the global economic crisis which has resulted from subprime mortgage lending practices. In response, the Korean government has enforced various policies, based on intend to deregulate real estate speculation, such as increasing the Loan to value ratio (LTV) in order to stimulate housing supply, demand and accompanying housing transactions. However, these policies have appeared to result in deep confusion in the Korean housing market. Furthermore, analyses for housing market forecasting particularly those which examine the impact of the international financial crisis on the Korean real estate market have been partial and fragmentary. Therefore, a comprehensive and systematical approach is required to analyze the real estate financial market and the causal nexus between market determining factors. Thus, with an integrated perspective and applying a system dynamics methodology, this paper proposes Korean Real Estate and Mortgage Market dynamics models based on the fundamental principles of housing markets, which are determined by supply and demand. As well, the potential effects of the Korean government's deregulation policies are considered by focusing on the main factor of these policies: the mortgage loan.

• KDI Journal of Economic Policy
• /
• v.16 no.4
• /
• pp.81-119
• /
• 1994

은행과 고객기업의 장기적인 결속관계(結束關係)는 부작용이 없는 것은 아니지만 효율적인 정보관리(情報管理) 및 감시(監視), 도산위기시의 구제노력(救濟努力)등을 통해 기업의 자본조달비용(資本調達費用)을 낮추고 투자(投資)를 촉진하는 효과를 기대할 수 있다. 우리나라에서는 여신관리(與信管理), 정책금융(政策金融)등 지나친 금융규제(金融規制)로 인하여 은행-기업간 자생적(自生的) 협조적(協調的)인 결속관계를 발전시켜 오지 못하였는바, 이를 시정함과 동시에 회수가능한 은행부실채권(銀行不實債權)의 주식전환(株式轉換), 주주협의회(株主協議會)의 운영 등도 검토해 볼 수 있을 것이다. 은행-기업간 주식상호보유(株式相互保有)를 통한 결속관계의 유도는 현재로서는 문제가 많지만, 중장기적으로 금융자율화(金融自律化), 산업부문에서의 대내외경쟁(對內外競爭)의 심화, 기업소유분산(企業所有分散) 등이 진전되는 상황에서는 부작용(副作用)이 크게 완화될 수 있을 것이다. 향후에 예상되는 기업환경(企業環境)의 변화를 감안할 때 은행-기업관계는 기업의 규모(規模)나 신용도(信用度)에 따라 상이한 모습을 보일 전망이다. 은행차입의존(銀行借入依存)이 크게 낮아질 초우량기업(超優良企業)은 국제금융 증권관련업무 등을 위주로 몇 개의 은행과 동시에 경쟁적(競爭的)인 관계를 유지해 가는 반면, 신용이 양호(良好)한 대기업(大企業)과 유망중견기업(有望中堅企業)은 은행과의 전통적(傳統的)인 결속관계(結束關係)를 가장 긴밀히 발전시켜 갈 것이다. 은행은 중소기업(中小企業)과도 고객관계를 심화시켜 갈 것이나, 이를 기업의 회계(會計) 등 경영투명성(經營透明性)의 결여(缺如)는 장기적인 결속관계를 형성해 가는 데 제약(制約)으로 남을 것이다.

• Convergence Security Journal
• /
• v.13 no.6
• /
• pp.25-33
• /
• 2013

Digital certificate must be used for electronic financial transactions in Korea. But because digital certificate is based ActiveX of Internet Explorer, it is difficult to use digital certificate in other web browsers. It interrupts a development of various authentication technology and a growth of related industry. Also digital certificate can be leaked because of being stored in harddisk or USB. The government eased obligatory use of digital certificate and opened doors to other authentication techniques. But any other authentication techniques are not used because they are not approved as alternative technology. The revised bills with digital certificate abolition as the main agenda have been submitted to the National Assembly. Whether the revised bills pass or not will be decided by a regular session of the National Assembly depending on the calculation and dynamics composition of related industry. In this paper, a controversy over obligatory use of digital certificate is examined and measures are found.

• KDI Journal of Economic Policy
• /
• v.9 no.4
• /
• pp.3-24
• /
• 1987

본고(本稿)의 목적(目的)은 첫째로 통화정책(通貨政策)의 운용방법이 제통화지표(諸通貨指標)간의 움직임은 물론 이들 지표(指標)와 실물경제(實物經濟)와의 관계의 변동을 초래하는 근본원인이 될 수 있다는 사실에 주목하여 80년대 우리나라의 통화정책이 인플레 억제를 통한 안정기조의 확립을 위한 총통화(總通貨)(M2)규제(規制)로 특징지워졌음에 착안, 이러한 통화정책(通貨政策) 운용방법(運用方法)의 영향을 분석하고, 둘째로 그 결과를 감안하여 제통화지표(諸通貨指標)와 실물경제(實物經濟)와의 관계를 분석, 중심통화지표(中心通貨指標)의 재정립과 그 운용방법을 제시하는 데에 있다. 본고(本稿)에 의하면 M2와 제(第)2금융권(金融圈)의 6개월 미만 단기자금수신(短期資金受信)(본고(本稿)에서 M3S로 정의(定義))간의 관계가 70년대와 80년대에 각각 다르게 나타나고 있다. 특히 80년대에는 M2규제(規制) 위주의 통화정책이 M3S의 변동을 초래하며 이는 실질생산(實質生産)을 감소시키고 물가를 상승시키는 등 부작용을 가져오는 것으로 분석된다. 또한 M2와 물가(物價) 실질생산(實質生産) 등 실물경제와의 관계가 70년대와 80년대에 각각 다르게 나타나고 있다. 본고(本稿)에 의하면 경제여건이 변함에 따라 목표통화증가율(目標通貨增加率)을 조정해 나가는 신축적인 통화운용방법(通貨運用方法)으로 전환해 나아가고, 이를 위해 M3S지표(指標)를 적극적으로 활용할 것이 요청된다. 그러나 보다 광의의 지표의 증가세 역시 급등할 경우 어떠한 특정지표(特定指標)의 규제보다는 경제전반(經濟全般)에 걸친 통화증가압력(通貨增加壓力)을 완화시키는 방향으로 정책을 선회하는 것이 바람직하다.

• Journal of the Korea Institute of Information Security & Cryptology
• /
• v.28 no.6
• /
• pp.1563-1583
• /
• 2018

With the deregulation of electronic finance, FinTech has been revitalized. The discussion on artificial intelligence is active in the financial industry. However, there is a problem of increasing security threats behind new technologies. Security vulnerabilities have increased because we are more connected than before, and the channels and entities of the financial industry have diversified. Although there are technical and policy discussions on security, the essence of all discussions is human. Fundamentals of finance are trust and security, and attention to human factors is important. This study presents the role of human and artificial intelligence for financial security, respectively. Furthermore, this derives a collaborative model in which human and artificial intelligence complement each other's limitations. To support this, it first discusses the development of finance and IT, AI, human factors, and financial security threats. This study suggests that the security threats will intensify in the era of new technology, but it can overcome them by using machinery and technology.

• The Journal of Bigdata
• /
• v.6 no.1
• /
• pp.91-113
• /
• 2021

Despite the influence of real estate in the Korean asset market, it is not easy to predict market trends, and among them, apartments are not easy to predict because they are both residential spaces and contain investment properties. Factors affecting apartment prices vary and regional characteristics should also be considered. This study was conducted to compare the factors and characteristics that affect apartment prices in Seoul as a whole, 3 Gangnam districts, Nowon, Dobong, Gangbuk, Geumcheon, Gwanak and Guro districts and to understand the possibility of price prediction based on this. The analysis used machine learning algorithms such as neural networks, CHAID, linear regression, and random forests. The most important factor affecting the average selling price of all apartments in Seoul was the government's policy element, and easing policies such as easing transaction regulations and easing financial regulations were highly influential. In the case of the three Gangnam districts, the policy influence was low, and in the case of Gangnam-gu District, housing supply was the most important factor. On the other hand, 6 mid-lower-level districts saw government policies act as important variables and were commonly influenced by financial regulatory policies.

• The Journal of the Korea Contents Association
• /
• v.11 no.12
• /
• pp.742-752
• /
• 2011

Multi-Level Marketing distribution process to reduce occurs in a number of the distribution costs to consumers of reducing its profits outside the area subject to the non-store or stores is the way to a special sale. Japan for the multi-level marketing Article 33 of the Act on Specified Commercial Transactions at or below the regulatory chain is defined as dealers. However, unlike other legislative attention two -dimensional chain for sales transactions are regulated. A chain of Japanese regulations on sales transactions, the definition is very specific and detailed regulations, and the chain is specifically for sales transactions in detail how to take regulatory and regulatory relief of pre- and post- regulatory focus, and the streamlining of regulatory aimed at restrictions on how the implications of such a large country.

• Convergence Security Journal
• /
• v.23 no.1
• /
• pp.9-17
• /
• 2023

Due to COVID-19, the concept of Zero Trust, a safe security in a non-face-to-face environment due to telecomm uting, is drawing attention. U.S. President Biden emphasized the introduction of Zero Trust in an executive order to improve national cybersecurity in May 2021, and Zero Trust is a global trend. However, the most difficulty in introd ucing new technologies such as Zero Trust in Korea is excessive regulation of cloud and network separation, which is based on the boundary security model, but is limited to not reflecting all new information protection controls due to non-face-to-face environments. In particular, in order for the government's policy to ease network separation to b ecome an effective policy, the zero trust name culture is essential. Therefore, this paper aims to study legal improve ments that reflect the concept of zero trust under the Electronic Financial Transactions Act.

• Journal of Digital Convergence
• /
• v.12 no.7
• /
• pp.197-203
• /
• 2014

This study deals with a comparative analysis on reverse mortgage loans and mortgage loans in order to pave a path for activation of real estate financing. The fact-revealing analysis was conducted through surveys based on theoretical consideration and advanced researches, which has drawn a range of findings. As the results of this study, the important findings concerning the improvement on the activation of practical housing reverse mortgages are applicable to all real estate, diversifying the tax benefits, and deregulation of 1 house, etc. and findings concerning the improvement to activate mortgage loans are diversifying types of interest rates, diversifying types of repayment, tax benefits for less than 15 years maturity period, and granting benefits(low interest rates, higher loan limits) to low-income households, etc. This study has a significance for providing basic materials in order to accomplish advanced finance policies along with social welfare services as suggesting measures to improve and activate real estate financing through the findings out of the fact-revealing analysis conducted as above.

• Convergence Security Journal
• /
• v.24 no.1
• /
• pp.27-34
• /
• 2024

Network separation is an important policy that Cyber Incident prevent cyber and protect data. Recently, the IT environment is changing in software development, such as remote work, using the cloud, and using open sources. Due to these changes, fintech companies' development productivity and efficiency are lowering due to network separation regulations, and the demand for easing network separation continued. The government revised the regulations electronic financial supervision(hereafter EFS) in response to needs for mitigation of network separation in the IT environment and fintech companies. Some amendments to the EFS, which took effect on 01/01/2023, mitigate network separation only for research and development purposes in cloud environments. If software developed in a cloud development environment is applied to an operating system through a distribution system the existing perimeter-based security model will not satisfaction the network separation conditions. In this Study, we would like to propose a way to maintain the DevOps system in a network separation environment by Using the zero trust security system.