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국내 인터넷전문은행 설립시 예상되는 전자금융리스크에 대한 대응방안 연구

  • Kim, Tae-Ho;Park, Tae-Hyoung;Lim, Jong-In
    • Review of KIISC
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    • v.18 no.5
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    • pp.33-48
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    • 2008
  • 최근 은행의 소유지분한도와 설립자본금 등에 대한 정부의 금융규제 완화로 인터넷전문은행의 설립 가능성이 높아지고 있다. 그러나 우리나라의 전자금융환경은 전자금융거래법 제정에 따라 금융기관의 입증책임을 강화함으로써 금융기관의 전자금융리스크가 상대적으로 크게 증가하였다. 또한, 정보 공격기술 및 수법의 발달로 전자금융보안에 대한 위협이 지속적으로 증가하고 있다. 이외 에도 신BIS 리스크 평가에 IT운영리스크가 포함되는 등 금융환경 변화 및 정보통신 기술의 발전으로 인한 전자금융리스크가 계속 확대되고 있는 추세에 있다. 이러한 금융환경 변화와 함께 서비스채널이 인터넷에 집중되는 인터넷전문은행은 기존의 전통적인 은행과 차별되는 리스크에 추가적으로 노출될 위험성이 높다. 이러한 리스크에 대한 인식 및 대비 부재는 금융소비자가 금융권 전자금융거래에 대한 불신으로 확산되거나, 금융시장의 불안정성을 야기하는 금융사고로 이어져 자칫 국내 전자금융의 발전을 저해하는 심각한 요소가 될 수 있다. 본 논문에서는 국내 금융환경과는 차이가 있지만, 인터넷전문은행이 가져올 전자금융의 기술적 변화는 유사하다는 점에서 해외 주요국가의 인터넷전문은행 현황과 전자금융부문을 중심으로 인터넷전문은행 설립인가 사례를 살펴보고, 국내에서 인터넷전문은행 설립시 우리가 취해야 할 입장에 대해 시사점을 얻고자 하였다. 그리고 국내 전자금융 환경에서 전통적인 일반은행과 차별되거나 인터넷전문은행 고유의 특성으로 발생되는 주요 전자금융리스크를 다섯 가지로 분석하였고, 이러한 전자금융리스크를 줄이기 위한 대응방안을 모색해 보았다. 정부의 금융규제 완화는 금융자유화를 진전시켜 금융거래가 자유경쟁원리에 입각해 이루어짐에 따라 국민경제의 발전에 있어서 바람직한 결과를 얻고자 하는 것이다. 그러나 다른 한편으로 과도한 리스크에 노출 될 경우에는 금융시장의 불안정성을 야기하고 이로 인해 역 선택과 도덕적 해이를 야기 시키는 등 여러 가지의 폐해를 줄 수도 있다 이러한 폐해를 줄이기 위해서는 인터넷전문은행의 고유한 특성으로 수반되는 리스크와 상대적으로 그 중요성이 부각되는 전자금융리스크에 대한 관리 감독을 강화해야 한다. 또한 이러한 리스크 관리강화를 위한 제도적 장치는 인터넷전문은행의 자율성과 책임성을 부여하는 방향으로 이루어지는 것이 바람직하다. 인터넷전문은행이 실질적으로 다수의 금융이용자에게 다양한 혜택과 효율적인 금융서비스를 제공하기 위해서는 초기 사업계획 심사 단계에서부터 위험성이 크게 증가하는 전자금융리스크에 대해서, 적절한 관리방안 수립을 통해 예상되는 리스크를 줄이기 위한 노력이 필요하다고 생각한다. 그리고 인터넷전문은행에 대한 구체적인 인가요건이 마련되지 못한 현 상황에서, 국내 인터넷전문은행 설립이 우리나라 전자금융거래에 발전적 역할을 할 수 있도록 앞으로 더 많은 논의와 연구가 진행될 필요가 있다.

A Study on Community Member Perception due to Impacts on Development of the Dulegil in Bukhansan National Park (북한산국립공원 둘레길 조성에 대한 지역주민의 인식에 관한 연구)

  • Yoo, Ki-Joon;Han, Bong-Ho;Choi, Jin-Woo;Hur, Ji-Yeon
    • Korean Journal of Environment and Ecology
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    • v.26 no.1
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    • pp.113-124
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    • 2012
  • The purpose of this study is to analyze community members' perception due to impacts on use and development of Dulegil in Bukhansan National Park. The study was conducted by questionnaire survey sent to community members of the vicinity of Dulegil. Average score of positive impact on the local community was 3.2. Positive impacts mentioned by community members were 'heightened pride in their community with increased community image' and 'improvement of landscape and natural environment.' Improved residents' awareness of landscape and natural environment indicated that Dulegil almost accomplished intended goal of preservation of ecosystem. However, actual effects on ecosystem preservation and local economy were not perceptible yet. Score of negative impact was 2.8 on average. 'Traffic congestion' and 'increase in noise level' were considered the most serious among the negative impacts. Environmental pollution and destruction of vegetation in the lowland were deemed relatively bad. Regarding resident awareness of community, those in their 50s and older were quite satisfied with the community. However, young people showed lower level of satisfaction. In order to satisfy all ages, infrastructure and programs for the youth should be in place. To minimize negative awareness of impacts of Dulegil, visitor's attitude should be changed, and education and training on the value and mind set of horizontal hiking are required.

Motivation of the Satellite DMB Use and Genre Consumption (위성 DMB 이용 동기와 장르 소비: 장르 선호도, 레퍼토리, 소비유사성을 중심으로)

  • Chon, Bum-Soo;Kim, Jung-Kee
    • Korean journal of communication and information
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    • v.36
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    • pp.374-398
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    • 2006
  • This paper attempts to identify motivations of the satellite DMB use and to examine the relationship between user motivations and structure of genre consumption. Firstly, this paper identified motivational dimensions for satellite DMB usage. The results of the factor analysis revealed three dimensions: information-seeking, entertainment-oriented and social communication. It accounts for 69.9% of the variances found within this data. Secondly, the results of the regression analyses suggested that both information seeking and entertainment-oriented motivations were closely related to genre preferences of satellite DMB contents. In addition, these two motivations predicted genre repertoires and similarity in genre consumption. In conclusion, motivations of the satellite DMB use were the best predictors for explaining the structure of genre consumption.

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Design and Implementation of Thesaurus System for Geological Terms (지질용어 시소러스 시스템의 설계 및 구축)

  • Hwang, Jaehong;Chi, KwangHoon;Han, JongGyu;Yeon, Young Kwang;Ryu, Keun Ho
    • Journal of the Korean Association of Geographic Information Studies
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    • v.10 no.2
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    • pp.23-35
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    • 2007
  • With the development of semantic web technologies in information retrieval area, the necessity for thesaurus is recently increasing along with internet lexicons. A thesaurus is the combination of classification and a lexicon, and is the topic map of knowledge structure expressing relations among concepts(terms) subject to human knowledge activities such as learning and research using formally organized and controlled index terms for clarifying the context of superordinate and subordinate concepts. However, although thesaurus are regarded as essential tools for controlling and standardizing terms and searching and processing information efficiently, we do not have a Korean thesaurus for geology. To build a thesaurus, we need standardized and well-defined guidelines. The standardized guidelines enable efficient information management and help information users use correct information easily and conveniently. The present study purposed to build a thesaurus system with terms used in geology. For this, First, we surveyed related works for standardizing geological terms in Korea and other countries. Second, we defined geological topics in 15 areas and prepared a classification system(draft) for each topic. Third, based on the geological thesaurus classification system, we created the specification of geological thesaurus. Lastly, we designed and implemented an internet-based geological thesaurus system using the specification.

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An Analysis of Factors Influencing the Intention to Use Social Network Services (소셜 네트워크 서비스의 사용의도에 영향을 미치는 요인)

  • Kim, Jongki;Kim, Jinsung
    • Informatization Policy
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    • v.18 no.3
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    • pp.25-49
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    • 2011
  • As a way to gather diverse information required for everyday living, the importance of social networks has been growing. Social network services have been spreading rapidly because of diffusion of the Internet, evolution of social network sites, and recognition of the importance of social networks. Recently, the social network service has been evolved based on a new paradigm, Web 2.0, pursuing participation and openness. Following the adoption of Web 2.0 technologies, the social network service allows users to make and maintain new relationships in a more convenient way. Users of the social network service tend to reveal their personal information, and share their ideas and content with other people; in the process they become aware of their existence, feel satisfaction with life and exert influence to others as a member of the society. This study uses higher order factor analysis to analyze factors that affect the intention of using the social network service. A research model was developed with second-order factors including perceived social presence, perceived gratification and perceived social influence. First-order factors are grouped by technical, individual and social factors. Smart PLS 2.0 was used to conduct empirical analysis. The analysis results supported the validity of the research model.

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A Study on the Librarian's Recognition of the National Library of Korea about YALSA's Competencies for Librarians Serving Youth (청소년 담당 사서의 역량에 대한 국립중앙도서관 사서의 인식에 관한 연구)

  • Noh, Dong-Jo
    • Journal of the Korean Society for Library and Information Science
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    • v.44 no.3
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    • pp.199-218
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    • 2010
  • This study evaluates YALSA's Competencies for Librarians Serving Youth: Young Adults Deserve the Best announced at the Young Adult Library Services Association(YALSA), a division of the American Library Association(ALA) on January 2010. For this study, we investigated fifth librarians working at the National Library of Korea to find out the requirements, effectiveness, and difficulties regarding seven areas and forth-eight detailed qualifications indicated by YALSA's Competencies for Librarians Serving Youth through survey. The results show that the more important areas required for youth services librarians were identified as knowledge of materials, administration, leadership and professionalism. Difficult areas of competencies are communication, marketing and outreach. Analysis of forty-eight detailed qualifications according to their importance and the level of difficulty shows that the more important areas are A4(encourage young adults to become lifelong library users by helping them to discover what libraries offer, how to use library resources, and how libraries can assist them in actualizing their overall growth and development) and A1(develop and demonstrate leadership skills in identifying the unique needs of young adults and advocating for service excellence, including equitable funding and staffing levels relative to those provided for adults and children), while the most difficult area of competencies is C4(Design, implement, and evaluate a strategic marketing plan for promoting young adult services in the library, schools, youth-serving agencies and the community at large).

Evaluation of Supply Adequacy of Park Service in Suwon-si by Urban Park Catchment Area Analysis (도시공원 이용권 분석을 통한 수원시 공원서비스의 적정성 평가)

  • Kim, Hyun;Kim, Yea Sung;Lee, Da-Som;Kim, Jee-Yeop
    • Journal of the Korean Institute of Landscape Architecture
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    • v.43 no.2
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    • pp.114-124
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    • 2015
  • In the city, the urban park contributes to the quality of citizen life in many ways, and the importance of the urban park as an urban planning facility is growing each day. In this study, evaluation of park service supply adequacy in Suwon-si, the difference in analysis methods, and the type of land use at urban park catchment area analysis were analyzed. As a result, there were remarkable differences between the two analysis methods. In Suwon-si, the catchment area by network analysis was only about 41% of catchment area by buffer analysis. However, when basic local authorities establish planning of parks and green areas, they use buffer analysis to calculate the park service area. It means that such calculations of urban park service areas may be wider than actually used. Also, because there were differences between urban park catchment areas by land use types, guidelines of planning parks and green areas will be adjusted. Although quantitative expansion of the park area is also important for the realization of green welfare, it is necessary to consider city characteristics such as the population size, population density, land use types, and so on.

A Study on the Post Occupancy Evaluation of Xi'an Castle Park in China (중국 서안시 명성곽공원의 이용실태에 관한 연구)

  • Kim, Dong-Chan;Ma, Yuan
    • Journal of the Korean Institute of Landscape Architecture
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    • v.39 no.1
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    • pp.75-83
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    • 2011
  • This research aims to grasp the use status and satisfaction level based on citizen consciousness to improve future design. This study employs a combination literature review and field survey. In the literature review, the related materials were collected to obtain the most useful information for references, and the POE study of the Xi'an Ming City Wall Park was conducted. The survey instrument is a questionnaire that includes questions regarding Xi'an Ming City Wall Park. Data were analyzed using the Statistical Package for the Social Sciences(SPSS17.0 for Windows). Through the POE analysis of the usage status and variables which significantly affect the users' degree of satisfaction with the spaces and facilities were investigated and the following problems have been found.Xi'an Ming City Wall Park requires extensive modification to meet the demands of citizens. Several shortcomings are hampering the development of the park. The rest space and the nightscape seem to be the two most problematic aspects in the park. The nightscape design should be particularly emphasized in the overall park design in the future. The results also show that the major population visiting the park is the elderly, so the characteristics of this age should be taken into consideration when improvement decisions are made, and the facilities and activities suitable to elderly people should also be increased.

A Study on Arterial Road Network Improvement Based on Networking Analysis (Networking 기반의 간선도로의 망기능 분석방법론 연구)

  • Jung, Kabchae;Kang, Kyeong Pyo;Kim, Jung Wan
    • Journal of Korean Society of Transportation
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    • v.31 no.1
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    • pp.47-56
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    • 2013
  • The present study proposed a methodology to analyze the networking efficiency of arterial road networks. The methodology was motivated to design three-dimensional networks and to analyze the networking ability quantitatively, which is a novel approach compared to existing methods depending on the two-dimensional network definition and the qualitative analysis for improving arterial road networks. The method considered the interdependence between high-level freeways and low-level highways, the ITS-based information for traffic and road conditions, and the physical networking. These three factors were quantified by a networking index (NI), and the networking efficiency was measured by a networking rate (NR). The present study proved that the networking efficiency (NR) was influenced by travel information sharing (i.e., ITS) and physical factors. This supports the fact that the integrated improvements of physical and ITS factors are necessary for an arterial road. The proposed method was applied for an actual arterial road network. It was found that the nation-wide NR was higher than that for the metropolitan area, which might be due to the difficulty in switching between high- and low-level networks and the lack of ITS functions in the metropolitan area.

Development Strategy of Seosan-Daesan Port using AHP Analysis (AHP를 이용한 서산 대산항의 발전전략에 관한 연구)

  • Yun, Kyong-Jun;Ahn, Seung-Bum;Lee, Hyang-sook
    • Journal of Korea Port Economic Association
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    • v.34 no.4
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    • pp.39-52
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    • 2018
  • The Seosan-Daesan Port is a representative trade port in Chungnam, and has the sixth largest total cargo throughput and the third largest oil cargo throughput in Korea. However, research on this port's development is lacking relative to that for Busan Port, Incheon Port, and Gwangyang Port, and no study exists that suggests the direction of the development strategy for Seosan-Daesan Port. This study discusses the future role of Seosan-Daesan Port in preparation for a rapidly changing future and the development strategy that should be established. Using the AHP, a development strategy is provided for Seosan-Daesan Port from short/mid-term and long-term viewpoints for three aspects: operation activation, infrastructure construction, and policy support. Operation activation is chosen as the most significant factor from a short/mid-term viewpoint, whereas infrastructure construction is recognized as important from a long-term viewpoint. Specifically, from a short/mid-term viewpoint, sustainable container cargo attraction, multipurpose dock construction, management pier construction, and opening of international passenger ferry lines are important factors while from the long-term viewpoint, hinterland construction, petrochemical industry cluster construction, automobile industry cluster construction, and management improvement system are important. Establishing action plans for each strategy and a cooperative network for sharing goals and strengthening cooperation is necessary.