• Title/Summary/Keyword: 상대적 자율성

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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.

Magnetic Properties of (Fe, Co)-Al-B-Nb Nanocrystalline Alloys on Composition and Annealing Temperature ((Fe, Co)-Al-B-Nb 초미세결정립합금의 조성 및 열처리온도에 대한 자기적 특성변화)

  • 강대병;김택기;조용수
    • Journal of the Korean Magnetics Society
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    • v.5 no.1
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    • pp.1-7
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    • 1995
  • ${(Fe_{0.85}Co_{0.15})}_{75}Al_{7}B_{18-x}Nb_{x}(x=2,\;4\;and\;6\;at%)\;and\;{(Fe_{0.85}Co_{0.15})}_{75}Al_{y}B_{21-y}Nb_{4}(y=3,\;5,\;7,\;9\;at%)$ alloys were prepared by a single-roll quenching method. Microstructure and magnetic properties of the alloys such as saturation magnetization, initial permeability, coercive force and power loss have been investigated as functions of composition and armea1ing temperature. Nanocrystallines are obtained by armealing of as-prepared amorphous alloys in all compositions except the alloy of 9 at% AI. Saturation magnetization increases after armea1ing and, decreases with Nb content. However, AI and B affects the saturation magnetization insignificantly. Initial perrreability of nanocrystallized alloy at 50 kHz is improved roore than twice compared to that of the as-prepared alloy. Coercive force and core loss reach less than half after armea1ing.

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Material Analysis and Provenance Interpretation for Rock Properties of the Gwangjueupseong (Gwangju Town Wall), Korea (광주읍성 축성암석의 재질분석과 산지해석)

  • Lee, Myeong-Seong;Chun, Yu-Gun;Seo, Jeong-Seog;Lee, Chan-Hee
    • Journal of Conservation Science
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    • v.25 no.1
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    • pp.61-76
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    • 2009
  • Gwangjueupseong (Gwangju Town Wall) has been found in the site of the Asian Culture Complex (former Provincial Government of Jeonnam) by archaeological field survey. The length of the remaining wall is 85.1m, and the Town Wall consists of ten kinds of rock type. The major rock types are dacite (41.1%) and andesite (35.7%). Dacite composes main rock blocks of the wall, and andesite is used to fill the cavity between main rock blocks. These rocks look very similar to basement rocks of the Mudeung Mountain on the basis of occurrence features, magnetic susceptibility, petrological, mineralogical and geochemical properties. Also, quarrying traces were found on the southwestern slope of the mountain along the Jeungsimsa Temple valley. Thus, it is probable that the rock materials of the Gwangju Town Wall were supplied from the Mudeung Mountain and that they were transported along the Gwangju river.

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Entrepreneurial Local Governance and the Changing Regional Policy in Chonnam Region (기업가적 지방정치와 지역정책의 변화)

  • Kim, Jae-Chul
    • Journal of the Korean association of regional geographers
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    • v.5 no.2
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    • pp.29-45
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    • 1999
  • This study reviewed theories on entrepreneurial local governance and inquired the changing regional policy in Chonnam region. The region became exposure as the direct investment unit of global capital by globalization of capital, the inter-regional competition and the relative reduction of the role and function of nation state. Therefore local government have the relative autonomy and the region is effected as the chosen space by capital according to the free movement of capital. It has been argued that there has been a reorientation of urban governance away from the local provision of welfare and services to a more outward-orientated stance designed to foster and encourage local growth and economic development. These profound changes in the way that cities operate have seen the public sector taking over characteristics once distinctive to the private sector leading many commentators to term such modes of governance as entrepreneurial. In Chonnam region, many local governments are introducing entrepreneurial policies for regional development. It appears as place marketing strategy to attract capital and tourists. This strategy is very important to used identity or culture of region in order to make the attractive region. The entrepreneurial characteristics and strategies appear as image unification of region, commodity development of natural or cultural resource, event and business projects. From this point of view, the entrepreneurial policy that is based upon regional growth can cause the problem of social justice like distributional distortion and inequality.

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Drone Obstacle Avoidance Algorithm using Camera-based Reinforcement Learning (카메라 기반 강화학습을 이용한 드론 장애물 회피 알고리즘)

  • Jo, Si-hun;Kim, Tae-Young
    • Journal of the Korea Computer Graphics Society
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    • v.27 no.5
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    • pp.63-71
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    • 2021
  • Among drone autonomous flight technologies, obstacle avoidance is a very important technology that can prevent damage to drones or surrounding environments and prevent danger. Although the LiDAR sensor-based obstacle avoidance method shows relatively high accuracy and is widely used in recent studies, it has disadvantages of high unit price and limited processing capacity for visual information. Therefore, this paper proposes an obstacle avoidance algorithm for drones using camera-based PPO(Proximal Policy Optimization) reinforcement learning, which is relatively inexpensive and highly scalable using visual information. Drone, obstacles, target points, etc. are randomly located in a learning environment in the three-dimensional space, stereo images are obtained using a Unity camera, and then YOLov4Tiny object detection is performed. Next, the distance between the drone and the detected object is measured through triangulation of the stereo camera. Based on this distance, the presence or absence of obstacles is determined. Penalties are set if they are obstacles and rewards are given if they are target points. The experimennt of this method shows that a camera-based obstacle avoidance algorithm can be a sufficiently similar level of accuracy and average target point arrival time compared to a LiDAR-based obstacle avoidance algorithm, so it is highly likely to be used.

Two Points for the Successful Representation of Performing Art Festivals:Artistic Characteristics and Festivity - in the Case of the 'Festival d'Avignon' (공연예술축제를 구성하는 '예술성'과 '축제성'의 특성 분석 - 아비뇽 페스티벌의 사례를 중심으로)

  • RYOO, Jeung-ah
    • (The) Research of the performance art and culture
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    • no.22
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    • pp.253-285
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    • 2011
  • The number of "Performing Arts Festivals" is growing increasingly in South Korea. This trend is mainly held in large cities which are difficult to communicate closely among residents. South Korea, while the pace of city life and speed of development are very fast, increasing number of "Performing Arts Festivals" with communal characteristics is in the natural process of festival evolution in large cities. In the evolution of the contemporary festival, it is natural to see some increase of modern festival after the development of traditional and folk festivals. It is important that the "Performing Arts Festivals" express the two elements, artistic character and festivity, not only in distinctively but also in harmony. The "Performing Arts Festivals" should consider the process of the organization, human resources, networking systems of the human communication process, resource use, etc. For the success of the festival, we must obtain the complementary effects between two attributes:festival characteristics and artistic senses. Therefore, we chose the 'Festival d'Avignon' as the reference of the total representation of artistic characteristics and festivity. From the case of the Festival d'Avignon, we get the implications of the development of performing arts festival in South Korea. To explain the festival value and artistic significance of the Festival d'Avignon, we explained the spontaneity and openness to public participation, the relationship between spectators and works, the representation of memory and communicative image, etc. To explain the artistic attributes of the 'Festival d'Avignon', we explained the mission to reconcile the artistic and the popular, to promote the artistic know-how, understanding how to communicate with the public, to consider more artistic quality than commercial benefits. Essentially, this study shows the meaning and the vision to forecast the future as well as the recent proliferation in various fields of Performing Arts Festivals. This study may help to improve analytical precision of Performing Arts Festivals.

An Improved Coverage Efficient Clustering Method based on Time Delay for Wireless Sensor Networks (무선 센서 네트워크에서 시간지연 기반 향상된 커버리지 효율적인 클러스터링 방안)

  • Gong, Ji;Kim, Kwang-Ho;Go, Kwang-Sub;Cho, Gi-Hwan
    • Journal of the Institute of Electronics Engineers of Korea TC
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    • v.46 no.2
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    • pp.1-10
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    • 2009
  • Energy efficient operations are essential to increase the life time of wireless sensor network. A cluster-based protocol is the most common approach to preserve energy during a data aggregation. This paper deals with an energy awareness and autonomous clustering method based on time delay. This method consists of three stages. In the first phase, Candidate Cluster Headers(CCHs) are selected based on a time delay which reflects the remaining energy of a node, with considering coverage efficiency of a cluster. Then, time delay is again applied to declare Cluster Headers(CHs) out of the CCHs. In the last phase, the issue on an orphan node which is not included into a cluster is resolved. The simulation results show that the proposed method increases the life time of the network around triple times longer than LEACH(Low Energy Adaptive Cluster Hierarchy). Moreover, the cluster header frequency is less diverse, and the energy on cluster heads is less spent.

A Study of the risk and reward structure in the copyright contract between terrestrial broadcasting and production company (방송사와 외주제작사간 저작권계약에 나타난 위험과 보상구조 연구)

  • Lee, Chi Hyung
    • Journal of Digital Convergence
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    • v.11 no.10
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    • pp.71-77
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    • 2013
  • Broadcaster and production studio inevitably take the risk in Korea because the outsourced drama is contracted before produced. However, it is important for both parties to share risk and reward. This study seeks to assess the fairness of the copyright contract between broadcaster and production studio by examining whether they both have the balanced risk and reward structure. For the study, revenue and cost elements with their amounts are identified, which come from TV commercials, oversea sales, the secondary windows, sponsorship, and product placement. Next, the revenue and COGS (Cost of goods sold) of broadcaster and studio are estimated for both cases of when drama becomes successful or not. The analysis reveals that the current copyright agreement allows broadcaster hold low risk but high reward whilst production studio takes high risk low reward. However, the result doesn't imply that government intervention is justified because demand and supply determine the negotiation power in a free economy.

Proposal for Phenomena-based Experimental Education through Reconsidering the Meaning of Experimentation: Based on Ian Hacking's Creation of Phenomena (실험의 의미 재고를 통한 현상중심의 실험교육의 필요성 제안 -이언 해킹(Ian Hacking)의 현상의 창조를 중심으로-)

  • Jinhyeon Choi;Sang-Hak Jeon
    • Journal of The Korean Association For Science Education
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    • v.44 no.1
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    • pp.29-38
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    • 2024
  • In this study, we explored the philosophical perspective of Ian Hacking on experimentation and discussed its potential impact on science education in schools. Traditionally, many philosophers have advocated a theory-driven view of experimentation, emphasizing its importance primarily in validating theories. Similarly, in the context of education, the prevailing perspective has been to focus on experimentation primarily as a means of confirming and proving theories. However, in contrast to this theory-driven perspective, philosophers like Hacking have proposed that experimentation itself possesses autonomy and vitality. Through their discussions, they have brought to light the significance of previously overlooked elements in experiments, such as tool usage, materials, and the involvement of scientists. They have prompted a reevaluation of the role and importance of experiments in scientific activities. Therefore, in this study, we consider the application of this philosophical standpoint to school experimental education. We anticipate that the phenomenon-centered perspective we propose in this research will be beneficial for teaching scientific practices, including tool usage, the involvement of experimenters, and modeling activities.

The Jurisdictional Precedent Analysis of Medical Dispute in Dental Field (치과임상영역에서 발생된 의료분쟁의 판례분석)

  • Kwon, Byung-Ki;Ahn, Hyoung-Joon;Kang, Jin-Kyu;Kim, Chong-Youl;Choi, Jong-Hoon
    • Journal of Oral Medicine and Pain
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    • v.31 no.4
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    • pp.283-296
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    • 2006
  • Along with the development of scientific technologies, health care has been growing remarkably, and as the social life quality improves with increasing interest in health, the demand for medical service is rapidly increasing. However, medical accident and medical dispute also are rapidly increasing due to various factors such as, increasing sense of people's right, lack of understanding in the nature of medical practice, over expectation on medical technique, commercialize medical supply system, moral degeneracy and unawareness of medical jurisprudence by doctors, widespread trend of mutual distrust, and lack of systematized device for solution of medical dispute. This study analysed 30 cases of civil suit in the year between 1994 to 2004, which were selected among the medical dispute cases in dental field with the judgement collected from organizations related to dentistry and department of oral medicine, Yonsei university dental hospital. The following results were drawn from the analyses: 1. The distribution of year showed rapid increase of medical dispute after the year 2000. 2. In the types of medical dispute, suit associated with tooth extraction took 36.7% of all. 3. As for the cause of medical dispute, uncomfortable feeling and dissatisfaction with the treatment showed 36.7%, death and permanent damage showed 16.7% each. 4. Winning the suit, compulsory mediation and recommendation for settlement took 60.0% of judgement result for the plaintiff. 5. For the type of medical organization in relation to medical dispute, 60.0% was found to be the private dental clinics, and 30.0% was university dental hospitals. 6. For the level of trial, dispute that progressed above 2 or 3 trials was of 30.0%. 7. For the amount of claim for damage, the claim amounting between 50 million to 100 million won was of 36.7%, and that of more than 100 million won was 13.3%, and in case of the judgement amount, the amount ranging from 10 million to 30 million won was of 40.0%, and that of more than 100 million won was of 6.7%. 8. For the number of dentist involved in the suit, 26.7% was of 2 or more dentists. 9. For the amount of time spent until the judgement, 46.7% took 11 to 20 months, and 36.7% took 21 to 30 months. 10. For medical malpractice, 46.7% was judged to be guilty, and 70% of the cases had undergone medical judgement or verification of the case by specialists during the process of the suit. 11. In the lost cases of doctors(18 cases), 72.2% was due to violence of carefulness in practice and 16.7% was due to missing of explanation to patient. Medical disputes occurring in the field of dentistry are usually of relatively less risky cases. Hence, the importance of explanation to patient is emphasized, and since the levels of patient satisfaction are subjective, improvement of the relationship between the patient and the dentist and recovery of autonomy within the group dentist are essential in addition to the reduction of technical malpractice. Moreover, management measure against the medical dispute should be set up through complement of the current doctors and hospitals medical malpractice insurance which is being conducted irrationally, and establishment of system in which education as well as consultation for medical disputes lead by the group of dental clinicians and academic scholars are accessible.