• East Asian Economic Review
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• 제28권3호
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• pp.315-357
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• 2024

The rapid development of China's digital economy has enabled China to lead the world in financial technology (FinTech). In this context, it is imperative to study the impact of FinTech at the macro level on the sources of R&D financing for micro-enterprises. Using the data of A-share listed companies on the main boards of China's Shanghai and Shenzhen cities and the municipal-level FinTech development index from 2011 to 2020, this paper conducts an empirical test by applying the system generalized method of moments estimation (system GMM). Fintech facilitates firms' external financing of R&D. There is significant heterogeneity across different types of firms, with fintech facilitating R&D financing more strongly for young and non-state firms. This study not only complements the literature on the impact of fintech on R&D financing but also has essential practical guidance significance, which can provide valuable guidance and assistance to different types of enterprises in their R&D financing decision-making process.

• 디지털융복합연구
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• 제9권3호
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• pp.31-46
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• 2011

본 연구는 2001년도부터 시행된 전자상거래 보증제도의 의의, 현황과 문제점을 살펴보고 전자상거래 보증제도의 효율적 운영 방안을 제안하고자 한다. 지난 10년 동안 본 제도가 시장에 정착되면서 전자상거래 초기에 우려했던 다양한 문제들 중의 일부는 시장의 요구사항과 기술 발달의 영향을 통하여 긍정적인 방향으로 운영되고 있다. 그러나 전자상거래 보증제도를 운용하며, 새롭게 제기된 문제들을 연구하고 이를 통해 전자상거래보증 제도를 이용하는 기업에게 도움이 될 수 있도록 전자상거래보증 제도의 효율적 운영 방안을 제안하고자 한다. 본 연구에서 제시하는 것은 비보증 시장에서 운용되고 있는 자금의 일부가 보증시장으로 전환되어야한다. 보증기금에서 운용되고 있는 지원자금에 대한 체계적인 홍보 시스템 구축이 필요하고 전자상거래보증 제도를 이용하는 기업에게 법인세 감면혜택을 지속적으로 제공하여야 한다. 또한 전자상거래 보증지원자금의 취지에 따른 우수한 기업을 발굴하여 대출 가능한 기업의 신용등급의 완화 소규모 기업도 사용할 수 있는 모바일 시스템 구축 및 정책자금 운용기관에게 운영에 대한 유연성을 제공하는 것이 필요하다. 향후 지속적으로 기술 발달에 따른 전자상거래보증시장의 변화를 살펴보고 이에 따른 대응 방안에 대해 연구하는 것이 필요하다.

• 한국벤처창업학회:학술대회논문집
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• 한국벤처창업학회 2006년도 추계학술발표회
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• pp.275-299
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• 2006

This study aims at examining the early-stage financing scale for entrepreneur to build small & medium business. The data was collected from the DART (Data Analysis, Retrieval and Transfer System) of Korean Financial Supervisory Service(FSS) in the main. The results of this study show that small & medium business needs equipment & operation financing for about 37 months extent to reach Break-Even Point. The limitations of this study are data collections from registered firms on Korean FSS primarily and no showing about the early stage financing scale for building small & Medium Business concretely. Small & Medium business entrepreneur have to make a early stage finance plan according to a necessary equipment and operating cost in their business field for 37 months extent.

• 보건행정학회지
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• 제27권3호
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• pp.199-210
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• 2017

Background: This paper aims to demonstrate current health expenditure (CHE) and National Health Accounts of the years 2015 constructed according to the SHA2011, which is a new manual of System of Health Accounts (SHA) that was published jointly by the Organization for Economic Cooperation and Development (OECD), Eurostat, and World Health Organization in 2011. Comparison is made with international trends by collecting and analysing health accounts of OECD member countries. Particularly, financing public-private mix is parsed in depth using SHA data of both HF as financing schemes as well as FS (financing source) as their revenue types. Methods: Data sources such as Health Insurance Review and Assessment Service's publications of both motor insurance and drugs are newly used to construct the 2015 National Health Accounts. In the case of private financing, an estimation of total expenditures for revenues by provider groups is made from the Economic Census data; and the household income and expenditure survey, Korean healthcare panel study, etc. are used to allocate those totals into functional classifications. Results: CHE was 115.2 trillion won in 2015, which accounts for 7.4 percent of Korea's gross domestic product. It was a big increase of 9.3 trillion won, 8.8 percent, from the previous year. Government and compulsory schemes's share (or public share) of 56.4% of the CHE in 2015 was much lower than the OECD average of 72.6%. 'Transfers from government domestic revenue' share of total revenue of HF was 17.8% in Korea, lower than the other contribution-based countries. When it comes to 'compulsory contributory health financing schemes,' 'Transfers from government domestic revenue' share of 14.9% was again much lower compared to Japan (44.7%) and Belgium (34.8%) as contribution-based countries. Conclusion: Considering relatively lower public financing share in the inpatient care as well as overall low public financing share of total CHE, priorities in health insurance coverage need to be repositioned among inpatient care, outpatient care and drugs.

• 한국주거학회:학술대회논문집
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• 한국주거학회 2011년도 춘계학술발표대회 논문집
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• pp.296-300
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• 2011

It's well known that housing is one of the largest holdings in household wealth and at the same time the majority of households highly concentrate on it for their wealth accumulation. Coupled with a low interest rate and increasing housing price, the rationale is conspicuous and the propensity to debt-financed consumption becomes strengthened. This research was to examine the risk of home financing. In doing so, the study utilized several secondary data to identify the characteristics of households who finance loans for home buying in three regions of the nation - so-called Bubble 7, Seoul Metropolitan Area, and others. Based on the 2009 KB survey, the major findings were as follows: the majority of the studied households in Seoul Metropolitan Area who owned a house lived in rental housing, housing accounted for 89% of the household wealth, and home loans taken on were a ballon payment amortized for a short-term period (5 years) with an adjustable interest rate. In addition, the payment method most of the households depend on is income. The financing mechanism fueled debt load of the households, and further they are financially very vulnerable to such factors as increase in interest rate, unemployment and market downturn. In the absence of understanding the financial system, the consumption behavior leads to house-poor, so that financial accountability and ethics are addressed while the intervention of the government in home financing system should be more cautious but stimulate financial soundness in household wealth accumulation.

• Journal of Preventive Medicine and Public Health
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• 제50권2호
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• pp.91-99
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• 2017

Objectives: As in many low-income and middle-income countries, out-of-pocket (OOP) payments by patients or their families are a key healthcare financing mechanism in Bangladesh that leads to economic burdens for households. The objective of this study was to identify whether and to what extent socioeconomic, demographic, and behavioral factors of the population had an impact on OOP expenditures in Bangladesh. Methods: A total of 12 400 patients who had paid to receive any type of healthcare services within the previous 30 days were analyzed from the Bangladesh Household Income and Expenditure Survey data, 2010. We employed regression analysis for identify factors influencing OOP health expenditures using the ordinary least square method. Results: The mean total OOP healthcare expenditures was US dollar (USD) 27.66; while, the cost of medicines (USD 16.98) was the highest cost driver (61% of total OOP healthcare expenditure). In addition, this study identified age, sex, marital status, place of residence, and family wealth as significant factors associated with higher OOP healthcare expenditures. In contrary, unemployment and not receiving financial social benefits were inversely associated with OOP expenditures. Conclusions: The findings of this study can help decision-makers by clarifying the determinants of OOP, discussing the mechanisms driving these determinants, and there by underscoring the need to develop policy options for building stronger financial protection mechanisms. The government should consider devoting more resources to providing free or subsidized care. In parallel with government action, the development of other prudential and sustainable risk-pooling mechanisms may help attract enthusiastic subscribers to community-based health insurance schemes.

• 대한안전경영과학회지
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• 제14권3호
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• pp.237-243
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• 2012

This paper reviewed the relationship between information technology system and knowledge management activities, and the moderating effect of industrial type. The results of multiple regression analysis, based on the responses from 219 employees in manufacturing and financing service sector, showed that information technology infrastructure and information technology usage have positive effects on knowledge acquisition, knowledge transfer, and knowledge usage. In moderating effects, information technology infrastructure more positively related with knowledge acquisition in financing service sector than in manufacturing sector. And also information technology usage more positively related with knowledge transfer in financing service sector than in manufacturing sector.

• 보건행정학회지
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• 제2권2호
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• pp.1-32
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• 1992

The Canadian experience-universal government health insurance administeredby the ten provinces and two territories with some fiscal and policy variations-suggests the possibility of more effectve and efficient health care delivery system. The central purpose of the Canadian health in surance was to reduce and hopefully eliminate financial barriers to medical care. In this it succeeded. But it also produced varous kinds of unexpected side-effects on cost and quality. The Federal and Provincial Governments of Canada continue to exert theri efforts to ameliorate these problems. The lesson from Canada is that the health care revenue should be raised at the national level and managed at the regional level, and the regional healthcare financing organization has to take over the functions of the public health center. These alternatives is expected to make the Korean health care delivery system more efective and efficient, and to achieve health for all. This paper also discussed the policy agenda for implementing such alternatives in Korea.

• 융합정보논문지
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• 제11권4호
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• pp.203-210
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• 2021

본 연구는 의료기관의 설립운영 관리주체에 따라 운영자금 조달방법별 조달비율과 이들이 경영성과에 미치는 영향을 살펴보고자 의료기관 회계정보 공시시스템에 등록된 재무정보를 이용하여 분석하였다. 분석방법은 설립운영 관리주체별 차이비교를 위하여 분산분석을 실시하였으며, 운영자금 조달방법별 조달비율이 경영성과에 미치는 영향은 로지스틱 회귀분석과 회귀분석을 실시하였다. 연구결과, 운영자금 대비 총수익 비율은 설립운영 관리주체에 따라 유의한 차이가 있었다. 그리고 운영자금 조달방법별 조달비율은 경영결과(적자, 흑자)와 유의하게 인과관계가 있는 것으로 확인되었으며, 운영자금 조달방법 조달비율이 경영성과에 미치는 영향은 설립운영 관리주체에 따라 차이가 있었다. 이상의 결과 의료기관의 운전자금 관리는 운영자금에 대한 수익의 비율을 고려한 비용관리를 우선적으로 적용하고 그 다음으로 내부운영자금을 활용하는 방안의 적용이 적절할 것으로 사료된다.

• 상하수도학회지
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• 제31권3호
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• pp.205-217
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• 2017

This paper tries to show the efficiency of water financing between central and local governments. From the year of 2017, the operation and maintenance costs for change water pipes has been provided by central government as block grants system(RDSA: Regional Development Special Account). Even though the water financing is responsible for local government, water drought and high production cost in poor area affects the quality of life nowadays. Then, fiscal transfer through block grant for water financing has been decided to invest regional SOC. The purpose of the paper sheds light on the function of the block grant for public provision by water financing. The firstly tried empirical results are based on the survey from local governments and ministry of environments. The point of the empirical analysis shows that the local governments does not have proper measurement for unexpected water leakage and termination until now. In a policy manner, the paper raises the issues about benefit principle for water users by the increase of tariffs. In order to do so, the paper investigates the relationship between the water provision and fiscal status of each local governments.