• The Korean Journal of Financial Studies
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• v.11 no.1
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• pp.133-155
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• 2005

우리나라 금융시장에서는 부동산담보 위주의 대출관행이 지속되고 있다. 이러한 대출관행은 부동산 수요의 유발로 부동산 가격상승의 원인이 될 뿐만 아니라 금융기관이 담보 부족을 이유로 중소 벤처기업자금 지원에 소극적이거나 기피하는 등 신용경색의 요인으로도 작용할 수 있다. 아울러 담보 부동산가격이 하락할 경우 금융기관의 부실이 될 수 있다. 이러한 문제점을 해결하기 위하여 금융기관의 낙후된 여신심사 및 사후관리기법을 선진화하고 효율적인 대출제도를 도입함으로써 중소 벤처기업의 신용수준에 부합하는 신용대출을 활성화하여야 한다. 본 연구는 중소 벤처기업의 신용대출을 활성화할 수 있는 방안들을 살펴보았다. 먼저 1980년대의 미국 및 일본의 금융위기와 이의 대응방안을 비교함으로써 담보대출의 문제점 및 개선을 위한 시사점을 살펴보았다. 다음으로 관계중시대출(relationship lending)을 통한 신용대출 활성화를 지적하였는데 관계중시대출은 금융기관이 고객과 밀접한 관계를 장기간 유지함으로써 고객에 대한 정보를 축적하여 금융서비스를 제공한다. 관계중시대출의 중소 벤처기업대출에 대한 시사점은 은행과 차입 중소 벤처기업은 긴밀한 관계유지가 장기적으로 모두에게 도움을 주는 합리적인 신뢰관계를 구축하여 신용대출을 가능하게 한다. 마지막으로 중소 벤처기업 신용대출의 활성화방안을 금융당국, 금융기관 그리고 중소 벤처기업으로 나누어서 각각 제시하였다.

• 주택과사람들
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• s.210
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• pp.24-29
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• 2007

부동산 경기가 급속히 냉각되면서 부동산 PF를 통해 자금을 대준 금융 기관의 부실 가능성이 제기되고 있다. 이는 PF 금의 신용 경색, 시행사의 자금난으로 이어질 우려가 있다. 사업 자체를 담보로 하는 제도적 기반이 마련돼야 한다.

• The Optical Journal
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• s.119
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• pp.35-37
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• 2009

지난 수년 간 국내 광학산업은 눈부신 발전을 했다. 디지털카메라, 핸드폰카메라, 정보저장기기, 복사기와 같은 전자제품 시장의 성장, 평판디스플레이의 도약, LED 조명의 출현, 매 순간이 숨 가쁜 변화와 팽창의 연속이었다. 작년에 시작된 미국발 금융위기가 전 세계 신용경색, 실물경제 침체로 이어지면서 국내 광학산업에 먹구름이 드리워지고 위기감이 고조되고 있다. 본 원고는 해외 광학회사, 연구기관들과 협력하면서 고찰한 내용에 필자의 의견을 덧붙인 것이다. 이제는 국내회사들이 지속적으로 성장하기 위해서 세계 시장을 대상으로 '그레이트 게임'을 할 시기이다.

• 주택과사람들
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• s.224
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• pp.22-25
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• 2008

글로벌 신용 경색의 한파로 유럽 주택 시장도 급격히 냉각되고 있다. 이에 따라 유럽 각국에서는 주택 구입 수요를 늘리기 위해 다양한 대책을 내놓고 있다. 최근 유럽 주택 시장의 현황을 짚어보고, 경기 활성화를 위해 각국 정부는 어떠한 대책들을 내놓고 있는지 살펴보자.

• The Korean Journal of Financial Management
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• v.26 no.3
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• pp.171-198
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• 2009

The primary purpose of this study is to examine the impact of new BIS regulation, which is the preparations to incorporate not only credit risk but also market and operation risk, on the bank behaviors. As methodology, SUR(seemingly unrelated regression) and pool unit test are used in the empirical analysis of banks survived in Korea. It is employed that quarterly data of BIS capital ratio, ratio of standard and below loans to total loans, ratio of liquid assets to liquid liabilities, allowances for credit losses, real GDP, yields of corporate bonds(3years, AA) covering the period of 2000Q1~2009Q1. As a result, it could be indicated that effectiveness and promoting improvements of BIS capital regulation policy as follows; First, it is explicitly seen that weight of lending had decreased and specific gravity of international investment had increased until before BIS regulation is built up a step for revised agreement in late 2001. Second, after more strengthening of BIS standard in late 2002, banks had a tendency to decrease the adjustment of assets weighted risk through issuing of national loan that is comparatively low profitability. Also, it is implicitly sought that BIS regulation is a bit of a factor to bring about credit crunch and then has become a bit of a factor of economic stagnation. Third, as the BIS regulation became hard, it let have a effort to raise the soundness of a credit loan because of selecting good debtor based on its credit ratings. Fourth, it should be arranged that the market disciplines, the effective superintendence system and the sound environment to be able to raise enormous bank capital easily, against the credit stringency and reinforce the soundness of banks etc. in Korea capital market.

• Korean Security Journal
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• no.56
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• pp.165-185
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• 2018

Because financial industry is closely related to the daily lives of people, internal fraud such as embezzlement by the employees can cause serious damage to the national economy, including credit crunch and contagious bankruptcy, as once demonstrated in the Savings Bank Scandal in 2011. Therefore, the importance of financial industry security is being emphasized and developed into converged security that combines physical, human and cyber security. In this study, to prevent fraud caused by internal employees in Korean financial sector, in-depth semi-structured interviews were conducted with a total of 16 participants including bankers, officials of financial regulators, and security experts, who were in charge of risk management in the industry. The collected data were analyzed at three stratification levels such as individual, organization, and socio-cultural factor. Based on this analysis, policy recommendations were suggested for the development of financial industry security and reducing internal fraud in banking institutions.

• Journal of Physiology & Pathology in Korean Medicine
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• v.22 no.6
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• pp.1589-1593
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• 2008

Vertigo is a frequent clinical finding in cerebellar infarction patients. In this report, one case suffered from central vertigo diagnosed as cerebellar infarction and could not walk without any help. After the Oriental medicine therapy, the severity of his vertigo reduced and he could walk without any help in hospital. We suggest Oriental medicine therapy is significantly effective on the treatment of cerebellar infarction.

• Journal of Chest Surgery
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• v.38 no.7 s.252
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• pp.476-482
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• 2005

Recently, coronary artery obstructive disease and coronary artery bypass graft surgery have increased, and the operative result has been improved. We reviewed 154 cases of coronary artery bypass graft surgery from Jan. 1985 to Jun. 2004. Material and Method: We reviewed 148 patients, 154 cases of coronary artery bypass surgery from Jan. 1985 to Jun. 2004. This investigation is designed to illustrate the preoperative diagnosis, severity of disease, operative method, the kind of used bypass graft used, number of distal anasomosis, associated surgery, and postoperative morbidity and mortality. Result: There were 84 males, 64 females and the average age was $58.9\pm8.3$ years old. Preoperative clinical diagnosis were unstable angina in 97 cases $(63.0\%)$, stable angina in 31 cases $(20.1\%)$, acute myocardial infarction in 12 cases $(7.8\%)$ and postinfartion angina in 14 cases $(9.1\%)$. Preoperative angiographic diagnosis were three-vessel disease in 68 $(44.2\%)$, two-vessel disease in 39 $(25.3\%)$, one-vessel disease in 35$(22.7\%)$, and left main disease in 12$(7.8\%)$ cases. There were 78 cases of on-pump coronary artery bypass graft surgery and 76 cases of off-pump coronary artery bypass graft surgery. The total distal anastomoses number was 319, mean number of anastomoses was $2.06\pm0.96$. There were 10 concomitant procedures. Postoperative intra-aortic balloon pump was used in 21$(13.6\%)$ cases, but only 4 cases were used at off-pump coronary artery bypass surgery. Total early mortality was $7.8\%$. The mortality was decreased as $4.5\%$ from Jan. 2001 to Jun. 2004. Post operative complication was perioperative yocardial infarction in 9cases$(5.8\%)$, low cardiac output syndrome in 17 cases$(11\%)$, and arrhythmia in 30 cases$(19.5\%)$ cases. Conclusion: Since 1985, The result of coronary artery bypass graft surgery has been improved because of more refined technique, use of off-pump coronary artery bypass surgery, use of internal thoracic artery and radial artery as bypass graft. We should study the long-term follow up more for better operative results.