• 한국인터넷방송통신학회논문지
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• 제15권4호
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• pp.25-31
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• 2015

핀테크(FinTech: Financial Technology)는 IT 기술을 이용하여 금융 서비스를 효율적으로 만드는 기술로 정의한다. 핀테크 기술은 빅 데이터와 IT플랫폼을 통한 혁신적인 기술이며, 기존의 금융시스템의 보안성 및 문제점을 개선하는데 크게 개선할 것으로 기대되고 있다. 국내의 금융기관에서는 효율성 있고 안전한 서비스를 사용자로부터 제공하기 위해 기술도입과 투자를 하고 있다. 그러나 금융환경에서는 정보유출, 보안사고가 발생하여 고객의 신뢰를 얻지 못하고 있으며, 신규 및 변종의 보안위협 및 공격기법이 발생하고 있다. 그러므로 본 논문에서는 핀테크 환경에서 사용자로부터 안전한 결제 시스템에 관하여 연구하여 인증기법을 설계하도록 한다. 제안된 논문은 금융환경에서 발생한 공격기법에 대해서 안전성을 분석하여 기존의 시스템과 보안성을 평가하였다.

• 보건행정학회지
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• 제18권4호
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• pp.23-48
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• 2008

Although the universal health insurance, National Health Insurance (NHI), have improved access to health care and financial burden of health care costs for Koreans, limited coverage of the NHI leads to high out-of-pocket payment for health care. This study examines financial burden of household health expenditures by income level. Data from the Urban Household Expenditure Survey from 1985 through 2005 is analyzed and household expenditure is used as a proxy measure for income. Health expenditures include spending for inpatient care, ambulatory care and pharmaceuticals. If a household spends health expenditure above 40% of household consumption except for foods, that is defined as catastrophic health expenditure. Access to health care for the lowest income group had been improved for two decades relative to other income groups as well as in absolute term. However, both financial burden of health expenditures and the proportion of households that experienced catastrophic health expenditure had been increased in the lowest income group. Study findings have several policy implications. First, in terms of financial burden of health expenditures. the differences among income groups decreased until 2000 but it was worsen in 2005. This suggests that recent policies for extending NHI coverage are not enough to improve the disparity by income level. Second, a differential catastrophic coverage by income level would be an effective strategy that relieves financial burden for low income group. Third, since the catastrophic coverage is applied to only covered services by the NHI, additional strategy for uncovered services should be considered.

• 보건행정학회지
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• 제30권2호
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• pp.192-198
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• 2020

Background: Korea National Health Insurance Service (NHIS) is operated as a social insurance system in which people pay a portion of their monthly income as insurance premiums and receive benefits when they experience illness or injury. Since 2005, the national health insurance remained surplus accumulating cumulative reserves each year. However, as of 2018, NHIS revenue recorded 62.11 trillion won and spending of 62.29 trillion won. The deterioration of NHIS finances is expected to accelerate with the aging population, income growth, new medical technology development, and enhanced security policies. Methods: To examine the financial health and sustainability of NHIS, we estimated the future revenue and spending until 2030 using the data from Korea Health Insurance Review and Assessment Service statistical yearbook. 2004-2018 average percentage change in NHIS revenue and spending was calculated. We estimated the future NHIS financial status using two methods. In the first method, we calculated the revenue and spending of the future NHIS by applying the 2004-2018 average percentage change to the subsequent years consecutively. In the second method, we estimated the future NHIS financial status after adjusting for the predicted demographic changes such as the aging population and declining birth rate in South Korea. Results: The estimates from this study suggest that the NHIS's cumulative reserves will run out by 2024. Conclusion: In terms of spending on current health insurance, there should be a search for ways of more efficient spending and funding options.

• 의료법학
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• 제8권2호
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• pp.9-35
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• 2007

The Health care program in Korea has now been systemized after 30 years of declaring the inauguration of the national health insurance system by the current government. The national health care covering all Korean citizens was achieved after 12 years of implementing the national health insurance and the health care program since 1977. Hundreds of multiple operational agencies managing the insured individually had undergone the amalgamation process from 1998 to 2000, and had been restructured as one agency, the National Health Insurance Corporation. In 2003, the community/area based financial management was also merged together with the employment based financial management. The National health care system of Korea offer various merits, compared with that of other countries, such as health care provision covering all Koreans, low insurance premium, accessibility of medical services/facilities etc. However, there are still some weak features which need to be addressed for improvement; below expectation insurance cover system, mistrust on the medical services, low medical charges resulted from excessive restrictions, and unstable financial status of the national health insurance etc. Therefore, the National health care system should continue to evolve to re-establish itself as more effective national health care system by further strengthening its merits, and by improving its weaknesses; with adopting the positive system to optimize the costs of prescribed medicines/drugs, applying simpler insurance coverage system to calculate the optimum medical charges, promoting private medical insurances, and increasing insurance premium etc.

• 디지털융복합연구
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• 제14권9호
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• pp.139-147
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• 2016

우리나라는 미국과 유럽, 일본 등에 이어 인터넷 전문은행의 출범을 앞두고 있다. 인터넷 전문은행은 인터넷과 콜센터에서 예금 및 대출 등의 업무를 수행하는 무점포 은행이다. 저비용 구조로 운영되어 기존은행에 비해 예금 대출 및 각종 수수료를 최소화하여 수익을 얻고자 한다. 인터넷 전문은행이 성공하기 위해서는 기존은행과 차별화된 업무를 개발하여 경쟁력을 확보해야 한다. 본 논문에서는 미국과 일본 등의 사례를 살펴보고 분석하여 앞으로 국내 인터넷 전문은행의 나아갈 방향을 제시해 보고자 한다. 인터넷 전문은행의 출현으로 은행을 이용하는 소비자의 경우 모바일이나 스마트폰을 이용하여 다양한 금융서비스를 제공받을 수 있다. 또한 신속하고 간편한 원스톱 금융서비스가 더욱 활성화될 것으로 기대한다. 기존은행과의 경쟁이 불가피하여 차별화된 금융서비스가 개발되면서 인터넷 전문은행은 더욱 발전해 나갈 것으로 기대한다. 은산분리 규제 완화와 증권, 보험, 통신, 유통 등 다양한 기업체들이 참여하여 산업간 융합을 이루어 새로운 금융서비스가 개발될 것으로 기대한다.

• 산업과 과학
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• 제3권3호
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• pp.8-13
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• 2024

제로 지식 증명(ZKP)은 가상 화폐 거래의 프라이버시와 보안을 향상시키기 위해 설계된 혁신적인 분산 기술이다. ZKP는 거래 제공자가 필요한 정보만을 공개함으로써 모든 관련 당사자의 기밀성을 보호한다. ZKP는 블록체인 거래에서 신원과 가치를 숨기는 강력한 프라이버시 기능을 제공할 뿐만 아니라, 당사자들이 서로의 신원을 확인할 필요 없이 돈을 교환할 수 있게 합니다. 이러한 익명성 기능은 금융 거래에서 신뢰와 보안을 촉진하는 데 매우 중요하며, 가상 화폐 영역에서 ZKP를 핵심 기술로 만든다. 4차 산업혁명 시대의 맥락에서 ZKP의 응용은 금융 서비스의 포괄적이고 안정적인 발전에 크게 기여합니다. 거래 프라이버시를 보장하여 신뢰할 수 있는 사용자 환경을 조성함으로써 가상 화폐의 광범위한 채택을 장려합니다. ZKP를 통합함으로써 금융 서비스는 보안과 신뢰의 높은 수준을 달성할 수 있으며, 이는 부문 내 지속적인 성장과 혁신을 위해 필수적이다.

• 수산경영론집
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• 제42권3호
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• pp.95-107
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• 2011

The Comprehensive Measures for a soft landing of Household Debts affecting the credit service of Fisheries Cooperative (FC) have been known to the public in June 2011. Its essential points are as follows: 1) Abolition of Tax-free Regulation, 2) Set limit of loans, etc. per person, 3) Introduce leverage regulations for credit-specialized financial sector i. e. FC, 4) Gradually strengthen loan-loss reserve requirements for card-loan and other credit loans. However, the Financial Policy Measures seem to pay no attention to the Cooperative's Values, Principles and Identity. In this paper, emphasis is be placed on the task of the regulators i. e. Financial Services Commission and Financial Supervice Service to lift the Financial Measures negatively affecting the operation of fund of FCs, and on the establishment of Cooperative identity in order to further develop FCs.

• 대한가정학회지
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• 제38권11호
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• pp.63-75
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• 2000

To identify the actual situation of financial information disclosure, a content analysis was performed on pamphlets of a time deposit and a new reserve trust offered by banks and other financial institutes. Although consumers required information on interest rate, tax favor, loan service, protection of brink depositors and bank security to select a financial service account, informations offered on pamphlets are not sufficient. Therefore concrete way of information offer system shoed be developed. In offering interest rate, interest rate after tax deduction or payment at maturity should be also mentioned. Information on tax favor, protection of bank depositors and bank security should be contained in pamphlets as well. Use of easy terms and notes are recommended for developing pamphlets for financial products.

• 대한예방한의학회지
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• 제1권1호
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• pp.42-47
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• 1997

Despite of increasing market share, oriental hospitals are now facing profit deterioration. In order to contribute to both better policy making of the Government Md corporate planning in the part of the individual hospitals this study attempted to identify the oriental hospital's financial characteristics. financial performance data for 1995, published by the Korea Institute of Health Services Management, were analysed from the structural perspective of patient composition, capital and resources input, medical revenue and costs, and financial efficiency and profitability. Some financial characteristics were drawn based on the results of the analysis. The areas that require corrective action and future study were also suggested.

• 한국전자거래학회지
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• 제3권1호
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• pp.155-173
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• 1998

In this paper we present the development of internet banking and its impact on financial market. The internet banking has been introduced since 1990s, from which customers could obtain most financial services over internet, and will replace with the traditional banks. According to a survey, most of bankers agree that internet will play an important role in banking industry. The internet banking has an enormous impact on the transfer system and banking industry. The transfer system is divided into two-large-value transfer system and small-value transfer system, depending on the size of its transfer amount. The internet banking will enhance the transfer system, especially small-value transfer system. It will reduce the time lag between transaction of service and its payment. However, a congestion or a blockage in a part of network might stop the financial service all over the network, which is called "computer risk". As internet banking develops, banks have incentives to reduce their branches and have to compete with information-business companies which can offer financial EDI.