• 제목/요약/키워드: Electronic Finance Regulation

검색결과 5건 처리시간 0.017초

개정된 유럽연합 지급결제서비스지침의 보안위험에 대한 제도적인 대응과 관련 국내 전자금융 규제와의 비교 연구 (Comparison Study between Institutional Response to Security Risks of the EU's Revised Payment Services Directive and Domestic Electronic Finance Regulation)

  • 김현부;김인석
    • 한국전자거래학회지
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    • 제24권4호
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    • pp.79-107
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    • 2019
  • 전통적으로 은행 등 금융기관은 자신이 관리하는 고객의 계좌와 정보를 이용하여 지배적인 위치에서 금융서비스를 제공하여 왔다. 최근 유럽연합은 지급결제서비스지침을 개정하여 고객계좌에 대한 접근과 계좌 관련 정보의 제공을 제3자에게도 허용하는 것을 제도적으로 보장하여, 금융시장에서 경쟁을 촉진하고 혁신을 도모하고 있다. 그렇지만 이러한 변화는 잠재적인 보안위험을 증가시킬 수 있으며, 따라서 신·구 시장참여자 모두가 금융시장에서 보안위험에 적합하게 대응할 수 있도록 금융당국의 제도적인 대응이 요구된다. 본 연구에서는 유럽연합의 새로운 지급결제서비스지침(Payment Service Directive, PSD2)에서 확인할 수 있는 보안위험에 대한 제도적 대응을 분석하고 이를 국내의 전자금융규제와 비교·분석하여 시사점을 도출함으로써 국내 전자금융규제의 개선 방향을 제안하고자 한다.

금융보안 리스크 기반의 IT도급 정책 연구 (A Study on IT Outsourcing Policy Based on Operational Risks of Financial Industries)

  • 최창래;윤장호;이경호
    • 정보보호학회논문지
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    • 제24권4호
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    • pp.681-694
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    • 2014
  • 2011년 대형 금융 사고가 연달아 발생하자 정부는 인력, 조직, 예산을 포함한 전자금융감독 규정 전면 개정을 발표했다. 규정에 주요 내용은 전자금융거래법 대상 기업들은 전체 직원의 5%를 IT인력으로 채용하고, IT인력의 5%는 보안인력으로, 또 IT예산의 7%는 정보보호 예산으로 편성하게 하는 내용이었다. 본 연구는 전자금융감독 규정 전면 개정에 따른 금융보안 리스크 기반의 IT도급 정책 결정 방안에 대해 연구하였다. 외주인력 문제를 해결하기 위한 정책 결정 Flow를 제공하고 IT 업무 분류 시 프로그램 품질 향상을 위한 개선 방안과 사례 연구를 통해 외주 인력의 효율적 운영정책을 제시하고자 한다.

시스템 사고를 통한 금융 규제와 보안 산업의 구조 분석 (A Structural Analysis between Financial Regulations and Security Industry through the Systems Thinking)

  • 이정하
    • 한국시스템다이내믹스연구
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    • 제16권4호
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    • pp.31-50
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    • 2015
  • The purpose of this research is to understand a structural relationship between financial regulations and security industry based on the systems thinking perspective using causal loop analysis. As a result, the positive regulations on security technology against finance security incidents shrink the autonomy of the security industry and will deteriorate the competitiveness of the security industry through the unknown feedback loop. The conclusion provides the direction that policy makers understand causal loop diagram related current regulations and open enough to the consideration of the negative regulations.

중국 전자상거래 시장의 최근동향 및 시사점 (Current status of E-commerce market in China and implication)

  • 백영미
    • 디지털융복합연구
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    • 제13권1호
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    • pp.111-124
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    • 2015
  • 인터넷과 모바일 통신망 보급의 빠른 확산 속도와 더불어 중국의 전자상거래 시장은 과거 10년간 72배 성장하였다. 그러나 성장속도 대비 해당 시장의 선진화를 위한 하부구조와 관련 규정의 부재는 최근 국가 경제발전 차원에서 시급히 개선되어야할 문제로 부상하고 있다. 따라서 본 연구에서는 문헌연구를 통해 최근 급성장한 중국 전자상거래의 기반 환경 및 시장현황을 살펴보고, 현재 중국 시장에서 문제로 대두되고 있는 전자상거래상의 주요 이슈를 전자상거래 형태별로 점검하였다. 또한 중국 유통시장에서 가장 큰 문제로 지적되고 있는 전자상거래상의 물류시스템의 문제, 소비자 보호문제, R&D 투자 현황 및 고급인력 확충의 문제를 진단하고 향후 기업차원과 정부차원의 제도 및 시스템 개선을 제안하였다. 마지막으로 본 연구는 특히 과거 연구에서 논의되지 않았던 모바일 결제시장과 인터넷 금융시장 및 전자상거래 중국의 세제 개편내용을 제공하고 국제표준화를 위한 제도적 시사점을 도출하였다. 중국정부의 5개년 전자상거래 육성을 위한 전자상거래 대외시장 개방에 대한 정책 발표 이후, 한국 수출 기업들에게 제공하는 시사점을 처음으로 제안하였다는데 의의가 크다.

간호조무사의 근무환경인식과 성격성향에 관한 연구 (A Study on the Working Environment Recognition and the Caracter Disposition of Nurse Aides)

  • 이선이
    • 한국보건간호학회지
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    • 제4권1호
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    • pp.57-74
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    • 1990
  • As the whole world took on the tendency to be highly industrialized, it became necessary for each field of occupation to require professional man power. Especially, since the World War n, the participation of woman power in economic activities has been continually increasing. In our country also, because of the rapid economic growth, change in the way of thinking of women as well as their participation in economic activities are increasing. Thus, woman power is being utilized in various occupational fields from simple physical labor to those that require high-professional skill. Also, continued economic development policies, by setting the establishment of welfare society as the ideology to be fulfilled, brought expansion of medical facilities in the field of public health and increase in man power in that field. As for the nursing specialists, more than 6000 have been being produced per year and as of the end of 1988, the total number of nursing specialists, reached 123, 115. Therefore, this study is done to recognize the professional knowledge and ability of nursing specialists, who take up $40\%$ of the total public-health related man power in our country, through evaluating their working environment and their disposition of character. This study, which was done from September 18th to September 30th 1989, took on the method of using formed questionnaires that had been amended and supplemented during two preparatory investigations, 322 of such questionnaires were used as an analytical material. In the formation of questionnaires, 12 questions were related to the working environment, and 26 in fortotal were related to the disposition of character, 5 for wise-disposition, 11 for activedisposition and 10 for open-disposition. The measuring method, which used 5-point-standard, allowed 5 points for affirmative recognition of the working environment, also 5 points for showing wise, active and open disposition of character and only point in opposite cases. Collected materials were analyzed, through an electronic calculation, into the average value, the standard deflection percentage, pearson corelative number and stepwise multiple regression. Summarizing the results from this study is as follows: 1. It was shown that the nursing specialists with the average of 3.07 have affirmative recognition of their working environment. The questions which drew most affirmative reaction were those concerning finance-management system such as hand, the questions that received negative reaction were those concerning communication method with the average of 2.49. Such reaction seems to have resulted from the cramming regulation by the superior authorities. Concerning the recognition of working environment in relation to employment conditions, more affirmative recognition is shown with the average of 3.14. at hospitals where injection job is not performed. The nursing specialists working at regular hospitals show more affirmative recognition than those at general hospitals, the averages being respectiely 3.16 and 3.03. 2. As for the disposition of character of the nursing specialists, active-disposition was highest with the average of 3.38, next was wise-disposition with 3.20 and the lowest was open-diposition with 2.98. Variable-wise disposition of character shows that wise-disposition and academic background are beneficially correlated by 0.12. Ative-disposition and open-disposition show correlation to the office term by respectively 0.16 and 0.21. In other words. better academic background leads to higher wise-disposition and more - experience results in higher active and open disposition. Also, the class that performs the injection job, in relation to the working environment, might cause change in the self-conceit that identify those in that class with the nurses; however, as far as professional judgment and action, in dealing with nursing job, being wise, active and open is concerned, not much effect is made. 3. The relation between the recognition of the working environment and the disposition of character is that more afirmative recognition- a nursing specialist has about her working environment, the higher the active-disposition becomes by 0.13. The degrees of the relation between recongnition of environment and wise and open dispositions show respectively 0.06 and -0.06 and -0.06. That is to say that when having more affirmative recognition of the working environment, a nursing specialist shows wise but closed disposition of character. This, howerver, didn't mean much statistically. When observing the results mentioned above, it is conspicuous that the nursing specialists, working as substitutes for the nurse at medical institutions of various sizes, get the feeling of being somewhat equal to the nurses and to some extent, fulfill their desire to accomplish their ego; however, as far as professional ability expansion if concerned. they lack wise and open dispositions. Therefore, considiering upon the results of this study, in medical institutions where the work of nursing specialists is regaded equal to that of the nurses, as a medical member who deals with human lives, it is desirable to make the nursing specialists work under the supervision of the nurses and to offer them continuous education to strengthen and improve their natural dispositions.

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