• The Journal of Asian Finance, Economics and Business
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• 제8권5호
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• pp.403-411
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• 2021

This paper discusses the relationship between debt literacy, peer-to-peer lending, and over-indebtedness in Indonesia. It is essential because the number of loans on this platform continues to increase, both legal and illegal. Data was collected online in collaboration with commercial market research firms, JajakPendapat.net. Debt literacy and over-indebtedness were measured by self-assessment with questions from Lusardi and Tufano (2009a). Questions for debt literacy are about interest compounding, debt interest, and the application of time value of money in payment options. The question for over-indebtedness is about the amount of debt and the conditions resulting from that debt. By using descriptive methods, it is clear that the majority of respondents, both borrowers and non-peer-to-peer lending borrowers are debt illiterate, and those who have poor debt literacy have huge debt. Overall, only 1.85% of the respondents were debt literate. Those who live on the island of Java have better literacy because they are the center of economic growth in Indonesia. Debt from peer-to-peer (P2P) lending also has the potential to create problems, namely over-indebtedness. P2P lending borrowers also have very poor debt literacy. However, there is no difference in debt literacy between P2P lending borrowers and non-P2P lending borrowers.

• 한국해양공학회:학술대회논문집
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• 한국해양공학회 2003년도 추계학술대회 논문집
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• pp.284-289
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• 2003

As growing importance and concern of waterfront, we have tried to study its landscape, accessibility, landuse and so on as well as its environmentally sound and sustainable development. In fact we had been under the false thought that it always what we wanted, and it was neglected in its economic value. This paper/ looks at on alternative, the non-market value generated by management of waterfront as public resource. We consider the question : how much are people willing to pay to improve, how much are people want to improve? The contigent valuation method was implemented during Sep. 9 to 14 in 3 beaches ; haeundae, Gwanganri, Songjeong. They are representative waterfronts which have been widely known and visited. We find out that households are willing to pay about $12,000{\sim}16,000$ won per year for improving nature elements and inviting more valuable functions about 3 beaches. Especially we pay attention to defference between cognitive and comprehensive satisfaction 3 beaches and their substructural factors satisfaction such as natural environment, public facilities, recreational facilities and etc.

• Journal of Korea Trade
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• 제26권6호
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• pp.61-82
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• 2022

Purpose - This study analyzed the effect of obtaining international products and qualification certification on exports according to the suitability evaluation system. Recently, non-tariff barriers have emerged as technical barriers, and the Biden administration is trying to achieve export growth and economic growth by utilizing the demand for conformity assessment following the Fourth Industrial Revolution and the free trade system from the perspective of Korea. Design/methodology - This study analyzed the effect of a manufacturer's product certification acquisition on a company's export performance using Resource-Based View-based multiple regression analysis. To this end, concentration validity was confirmed through Factor analysis and Cronbach's alpha, and correlation analysis was performed to verify discriminant validity. Findings - Product certification and qualification have a positive impact on the company's export performance. In particular, technological dynamism and relationship control have had a significant impact. Originality/value - Considering that the Conformity Assessment Management Act will take effect in earnest in 2022, this study is believed to suggest that companies that have been certified to meet international standards may improve their export performance and increase their value in the future. International market.

• 농업과학연구
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• 제26권2호
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• pp.77-93
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• 1999

This study is aiming at identifying the foreward and backward lingkage effects of the farm land base development project. Korean Government has continuously carried out farmland base development projets including the integrated agricultural development projects. large and medium scale irrigation projects and the comprehensive development of the four big river basin including tidal land reclamation and estuary dam construction for the all weather farming since 1962. the starting year of the five year economic development plans. Consequently the irrigation rate of paddy fields in Korea reached to 75% in 1998 and to escalate the irrigation rate, the Government had procured heavy investment fund from IBRD. IMF and OECF etc. To cope with the agricultural problems like trade liberalization in accordance with WTO policy, the government has tried to solve such problems as new farmland base development policy, preservation of the farmland and expansion of farmland to meet self-sufficiency of foods in the future. Especially, farmland base development projects have been challanged to environmental and ecological problems in evaluating economic benefits and costs where the value of non-market goods have not been included in those. Up to data, in evaluating benefits and costs of the projects, farmland base development projects have been confined to direct incremental value of farm products and it's related costs. Therefore the projects'efficiency as a decision making criteria has shown the low level of economic efficiencies. In estimating economic efficiencies including Leontiefs input-output analysis of the projects could not be founded in Korea at present. Accordingly this study is aimed at achieving and identifying the following objectives. (1) To identify the problems related to the financial supports of the Government in implementing the proposed projects. (2) To estimated backward and foreward linkage effects of the proposed project from the view point of national economy as a whole. To achieve the objectives, Hwangrak benefited area with reservoir which is located in Seosan-haemi Disticts, Chungnam Province were selected as a case study. The main results of the study are summarized as follows : a. The present value of investment and O & M cost were amounted to 3,510million won and the present value of the value added in related industries was estimated at 5.913million won for the period of economic life of 70 years. b. The total discounted value of farm products in the concerned industries derived by the project was estimated at 10,495million won and the foreward and backward linkage effects of the project were amounted to 6,760 and 5,126million won respectively. c. The total number of employment opportunities derived from the related industries for the period of project life were 3,136 man/year. d. Farmland base development projects were showed that the backward linkage effects estimated by index of the sensitivity dispersion were larger than the forward linkage effect estimated by index of the power of dispersion. On the other hand, the forward linkage effect of rice production value during project life was larger than the backward linkage effect e. The rate of creation of new job opportunity by means of implementing civil engineering works were shown high in itself rather than any other fields. and the linkage effects of production of the project investment were mainly derived from the metal and non-metal fields. f. According to the industrial linkage effect analysis, farmland base development projects were identified economically feasible from the view point of national economy as a whole even though the economic efficiencies of the project was outstandingly decreased owing to delaying construction period and increasing project costs.

• 통상정보연구
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• 제16권4호
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• pp.191-225
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• 2014

유럽연합(European Union)은 1952년 7월, 파리조약(Treaty of Paris)을 체결한 이후 1958년 1월 로마조약, 유럽공동체(EC 조약), 1993년 11월 마스트리히트 조약(Treaty of Maastricht), 1999년 5월 암스테르담 조약(Treaty of Amsterdam), 2002년 10월 니스 조약(Treaty of Nice), 2009년 12월 리스본 조약(Treaty of Lisbon) 조약을 체결하여 유럽의 정치 및 경제적 통합을 모색하여 왔다. 현재 EU는 28개 회원국을 두고 있으며 2012년 기준으로 총 5억 명 이상의 인구, 역내 GDP가 16조 6,090억 달러에 이르며 세계 GDP의 3분의 1을 차지하는 세계최대의 경제권이다. 우리나라와는 3위의 교역상대국이다. 지금까지 우리나라는 주로 EU에 자동차, 반도체, 휴대폰, 조선과 그 부품 등의 공산품을 수출하여 왔다. 그러나 EU가 최근 미국과 FTA를 적극 모색하고 러시아와도 경제 협력을 도모하며 중국 기업들도 EU로의 진출을 적극 추진하고 있어 우리 기업의 입지가 위축될 여지가 있는 실정이다. 또한 EU는 평균 수입관세율이 낮고 비교적 가장 개방된 거래 시장이지만 크고 작은 진입장벽은 상존하여 EU의 관세 및 비관세 장벽에 대한 이해가 필요하다. 이에 본 연구는 EU 시장 개척을 위한 가장 초보적이고 기초적인 연구로 EU의 관세 및 비관세 장벽(Non-Tariff Barriers)에 관해 검토하여 우리나라 기업에게 시사점을 제시하기 위해 연구되었다.

• 한국수소및신에너지학회논문집
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• 제22권1호
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• pp.118-127
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• 2011

An IGCC was evaluated as one of the next generation technologies that would be able to substitute for coal-fired power plants. According to "The 4th Basic Plan of Long-term Electricity Supply & Demand" which is developed by the Electricity Business Acts, the first IGCC will be operated at 2015. Like other new and renewable energy such as solar PV, Fuel cell, The IGCC is considered as non-competitive generation technology because it is not maturity technology. Before the commercial operation of an IGCC in our electricity market, its economic feasibility under the Korean electricity market, which is cost-based trading system, is studied to find out institutional support system. The results of feasibility summarized that under the current electricity trading system, if the IGCC is considered like a conventional plant such as nuclear or coal-fired power plants, it will not be expected that its investment will be recouped within life-time. The reason is that the availability of an IGCC will plummet since 2016 when several nuclear and coal-fired power plants will be constructed additionally. To ensure the reasonable return on investment (NPV>0 IRR>Discount rate), the availability of IGCC should be higher than 77%. To do so, the current electricity trading system is amended that the IGCC generator must be considered as renewable generators to set up Price Setting Schedule and it should be considered as pick load generators, not Genco's coal fired-generators, in the Settlement Payment.

• 한국항해항만학회:학술대회논문집
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• 한국항해항만학회 2014년도 춘계학술대회
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• pp.73-75
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• 2014

본 연구는 해상교통안전시설 투자로 인한 해양사고 예방의 경제적 효과를 분석하는 것이다. 안전시설 투자의 경제적 효과 분석을 위해, 조건부 가치측정법을 이용하였다. 조건부 가치측정법은 특정 응답자들을 대상으로 설문지 또는 면접을 통해 환경재와 같은 비시장재의 가치를 계량적으로 측정하기 위해서 사용하는 방법이다. VTS는 시장재가 아니므로 VTS 시설투자에 대한 경제적 타당성을 추정하기 위하여 향후 VTS 시설 설치 예정 지역의 어민 및 선사 등을 대상으로 설문조사를 실시하였다. 설문조사를 실시한 결과, 통역지역 VTS 신설로 인해 발생할 수 있는 연간 총편익은 약110억으로 추정되었다. 2014년부터 5년간 소득세의 형태로 지불하게 된다면, 5년 동안 발생하게 되는 편익은 현재가치 기준으로 약473억원이다. 통영 VTS신설에 따른 경제성 분석결과, 편익-비용비율(B/C ratio)이 3.193로 1보다 높게 나왔고, 순현재가치(NPV)가 325억, 그리고 내부수익률(IRR)이 37.4%로 사회적 할인율인 5.5%보다 높아, 경제적 타당성이 있는 것으로 분석되었다.

• 한국항해항만학회지
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• 제42권6호
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• pp.478-485
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• 2018

항로표지는 해상교통의 안전을 도모하고 선박운항 능률 향상을 위하여 설치된 해양교통안전시설 중 하나이다. 그러나 선박충돌 또는 기상악화 등의 원인으로 발생하는 항로표지의 사고로 인하여 제 기능을 상실 하였을 경우, 선박운항자를 비롯한 여러 이용자에게 이용불편 또는 항행위험을 증가시키고 있다. 특히 우리나라 최대 컨테이너항만인 부산항은 최근 12년(2006년~2017)동안 총400건의 항로표지 사고가 발생하였으며, 이로 인하여 평균 20.6일의 복구기간이 소요됨에 따라 항로표지 이용자들에게 해양안전 불안을 가중시키고 있다. 따라서 연구의 목적은 우리나라 항로표지 사고예방과 효율적인 관리방안을 적극적으로 추진하기 위한 이용자들의 정량적 지지도를 제시하고자 한다. 이를 위해 부산항 해역이용자들을 대상으로 항로표지 및 항로표지 사고에 대한 인식조사를 실시하고, 효율적 항로표지 관리방안의 추진을 통한 항행위험 감소에 대한 경제적 가치를 추정하였다. 연구의 결과, 비시장재화인 환경재나 공공재의 대표적인 가치추정법인 조건부가치추정법을 이용하여 추정된 부산항 항로표지 서비스에 대하여 이용자들이 부여한 경제적 가치는 최소 약 160억원으로 나타났다. 따라서 이러한 연구결과는, 항로표지 관리자 및 정책입안자들에게 부산항을 비롯한 우리나라 항로표지 서비스에 대한 다양한 이용자의 요구사항을 확인하고, 이에 대응하는 보다 효율적인 관리방안의 수립과 추진에 유용한 자료로 활용될 수 있을 것이다.

• KDI Journal of Economic Policy
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• 제32권4호
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• pp.153-195
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• 2010

세계금융위기의 근본적인 원인은 시장과 제도의 괴리에서 나오는 '제도의 실패'라고 할 수 있다. 특히 현재의 국제통화제도는 무제도(non-system)나 다름없다고 할 수 있다. 현재 당면하고 있는 국제통화제도의 문제점들을 볼 때 개편 방향의 핵심은 (1) 수요 측면에서는 과대한 외환보유고를 축적하려는 인센티브를 어떻게 줄일 수 있을 것인가 하는 것이며, (2) 공급 측면에서는 현재 미국 달러화에 주로 의존하고 있는 제도를 탈피, 보다 다양한 국제통화 혹은 대체적 외화준비자산(SDR을 포함하여)으로 전환해 나가거나 혹은 보다 근본적인 개혁방안으로서 새로운 세계통화(global reserve currency)를 창출하는 것이다. 그리고 (3) 이러한 변화를 뒷받침 하기 위해 필요한 기구적 개편, 특히 IMF의 개혁을 추진하는 것이다. 이러한 개편은 현실적 국제역학관계로 볼 때 오직 점진적으로 일어날 수 있는 것이다. 따라서 현재 세계경제의 안정적 성장을 위해 중요한 것은 이러한 개편을 점진적으로 추진함과 동시에 주요국 간의 거시경제정책공조를 이뤄 나가는 것이다. 이러한 과정을 원활히 해나가기 위해서는 효율적인 세계경제 지배구조를 갖추는 것이 필수적이다. 세계금융위기 이후 출범한 G20 정상회의가 효율적인 협의체가 되기 위해서는 의사결정이 원활히 이루어질 수 있는 방안과 장치를 세워나갈 필요가 있다. 사무국(secretariat) 혹은 그와 유사한 기능을 행사할 수 있는 조직의 설립과 위원회제도 같은 것을 활용할 필요가 있을 것으로 보인다.

• KDI Journal of Economic Policy
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• 제40권1호
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• pp.67-83
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• 2018

We have hypothesized that nuclear risk is significantly inversely related to the distance from residences to nuclear power plants and that the level of life satisfaction of residents therefore increases with the distance. We empirically explore the relationship between Ulsan citizens' life satisfaction levels and the distance between their residences and the Kori and Wolsong nuclear power plants (NPP) based on the life satisfaction approach (LSA). The dataset we used covers only Ulsan citizens from the biennial Ulsan Statistics on Citizen's Living Condition and Consciousness of 2014 and 2016. Controlling for micro-variables such as education, work satisfaction, gender, marital status, and expenditures, we found a statistically significant relationship between life satisfaction and the distance between the residences and the nuclear power plants. Nuclear negative externalities including (i) health and environmental impact, (ii) radioactive waste disposal, and (iii) the effect of severe accidents can be quantified in terms of LS units and monetary units. We were able to calculate the monetary value of NPP externalities at $277 per kilometer of distance for Kori and $280 per kilometer of distance for Wolsong at constant 2015 prices. These estimates are quite different from the traditional estimates made with the contingent valuation method, whereas they are similar to the findings of LSA studies abroad. Hence, the need to adopt the LSA in South Korea and policy implications are demonstrated.