• 제목/요약/키워드: credit problems

검색결과 277건 처리시간 0.028초

전자화폐의 확산에 따른 주요 쟁점에 관한 일고(一考) (A Study on Diffusion of the Utilization of Electronic Money)

  • 송경석;김영훈
    • 통상정보연구
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    • 제5권2호
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    • pp.19-45
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    • 2003
  • The main issues addressed in this paper are as follows : First, this paper makes a distinction among types of e-money, IC card type versus Network type, open-loop type versus closed-loop type, online type versus offline type and accountable type versus unaccountable type, and analysis the clear and accurate criterion. Second, generally speaking, e-money is a claim on originator of e-money and not legal tender, so, delivery of e-money by itself does not relieve of monetary obligation. Between it is not easy to define e-money, by now there are many definitions of e-money, there is a legal uncertainty accordingly and then it is not easy to find proper law applicable to resolve a particular issue. As a result. many problems relating to e-money would be solved through analogical application of the moot proper law among the laws that apply to the cash, check, credit card, or fund transfer after analyzing type of e-money at issue. This paper studies the methods on diffusion of the utilization of electronic money. To diffuse the usage of electronic money, it need; prerequisitely as a basic conditions independence of electronic money, non-reusability, and anonymity. And also as a additional conditions it need; usability in the offline commerce, transferability, divisibility. And now electronic money is used very actively, but still has many Jaw problems such as protections of consumer, law enforcement, supervisory, etc. So electronic money has called as money, but it is sure that electronic money is not a legal tender. So to facilitate the economic function of the electronic monel it is need to supplement the electronic money in the legal sides.

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Incoterms$^{(R)}$ 2010의 근원과 일부 규정의 문제점에 관한 연구 (A Study on the Origin of the Incoterms and Regulation Problems of Some Rules in the Incoterms$^{(R)}$ 2010)

  • 오세창;박성호
    • 무역상무연구
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    • 제57권
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    • pp.35-60
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    • 2013
  • The Incoterms which is one of the most useful international instrument for sale of goods provides when a contract goods deliver, risk passes and how costs are allocated between seller and buyer on the contract as long as they agree to use a rule of the Incoterms rules. The Incoterms rules have come into effective to use for an international or domestic trade of goods since January 2011, which have been modified several times since these established by ICC in 1936. The origin of Incoterms rules may had been appeared from English traditional FOB terms that had been affected to American regulations for the sale of goods. The Incoterms rules which had been started from the traditional English FOB terms and American FOB terms have been expanded other trade terms, such as CIF. Although FOB is based on the COD(Cash on Delivery), it is possible replaced COD to CAD(Cash against Delivery) through the use of Bill of Lading and Letter of Credit in the international sale of goods between seller and buyer according to the development of infrastructures on the international commercial transactions. This article exercises the process of transition of the Incoterms rules, being based on the English and American traditional FOB contract form through review literatures, judical precedents and provisions. Then this article provides some feasible alternatives to attempting to resolve some regulation problems of FCA, CPT, CIP, and D-rules in the Incoterms$^{(R)}$ 2010.

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고등학교 생물과 교육 과정의 변천에 관한 연구 (A Study on Historical Development of the Biological Science Curriculum for High Schools in Korea)

  • 정완호
    • 한국과학교육학회지
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    • 제1권1호
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    • pp.15-27
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    • 1978
  • First: The common points from "syllabus" period to that of "Course of study" are as follows: 1) with no introduction explained. the "Syllabus" or "Course of study" was made to be completed in accordance with the allotment of time (unit). 2) To teach how to rear animals and grow plants, and to make specimens with collected samples formed a great significant field of learning, which meant giving more emphasis on learning classification, life-centered education and basic field of learning than discipline-centered education. 3) The reason why the field of applied biology was emphasized on was that both periods had ideals in Common to educate persons more necessary and useful to the society than to major the pure academic field. 4) Both periods mainly dealt with problems of diseases, and physical health discussed all over the world in 1950's which accounts for necessity of the society to free from ignorance. Second; "The first curriculum period" and "the second one" are observed as follows: 1) The former took the unit (credit) system for the first time. It tried to lay down the conceptual hierarchy with "Biology I" and "II" divided, while "Biolgy I" is better systematized than "Biology II". 2) Discipline-centered education and structure fo knowledge are put more emphasis on especially in "the 2nd curriculum period". 3) And also in this period are included serious problems such as urgency of pollution, importance of nature conservation, population due to the development of industry. 'Third; With the recent curriculum laid down, experiments and teaching contents of subjects are put in harmony with each other and accordingly the process of Inquiry is laid emphasis on. Fourth; It is necessary to set up conceptual sequence and scope effectively in the curriculum.

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농어촌지역(農漁村地域) 문화(文化)(집단(集團))마을 조성사업(造成事業)의 평가(評價)와 추진방향(推進方向) - 충남공주계롱지구(忠南公州鷄籠地區)와 강원횡역우천지구(江原橫域隅川地區)를 중심(中心)으로 - (Evaluation of the Cultural(Collective) Village Development Projects in Rural Area and It's New Policy Guidelines -With Respect to the Cases of Gongju Gyeryong, Chungnam Province and Hyeongsung Ucheon, Kangwon Province-)

  • 임재환
    • 농업과학연구
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    • 제21권2호
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    • pp.148-167
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    • 1994
  • The gap of the quality of life and living environment between urban and rural area have been widened since the industrialization and urbanization oriented five year economic development plans started in 1963. To mitigate the gaps, Korean government had commenced the cultural(collective) village development projects, as a pilot cases such as Gyeryong and Ucheon projects from 1991. This paper contains first the concepts of cultural village, types of village formation, types of village development, allocation problems of housing sites, procurement of project costs and other problems experienced during constuction of the projects. The main policy guidelines for the successful development of cultural villages are as follows: 1. Cultural village development should be carried out in coincide with the present status of farm household incomes. 2. The countermeasures should be consistant with the general objective of the cultural village development institutionally. 3. Propaganda of the cultural village development in rural area is prerequisite to success the projects. 4. Favourable terms and conditions of credit loans as loan amount of 30 million won with interest rate of 3% per annum and 25 years repayment period including 5 years grace period should be given by the Government. 5. Special benefits in the tax system should be given to rural peoples in the cultural villages. 6. The cultural village development should be classified into two groups as the cultural village development in rurban area and the cultural village development in rural area.

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우리나라 전문계열 고등학교 교과서의 해양관련 내용 분석 (The Analysis of Oceanic Contents based on Vocational High School Textbook in Korea)

  • 김삼곤;홍철훈;차철표
    • 수산해양교육연구
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    • 제20권2호
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    • pp.222-235
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    • 2008
  • The study analyzed 343 government-authorized and officially approved textbooks of the Seventh Curriculum's specialized subjects in high school from March to September, 2007. The textbooks were categorized into the area of agriculture, industry, commerce, household and business, science, foreign languages and physical exercise and analyzed in terms of the target and content areas of marine education. And the findings were as follows: First, among the textbooks in the seven groups serving as the focus of this study, 19.8% have oceanic-related information but pages including ocean contents occupy only 0.8%. Consequently ocean-related contents are scarcely included. The ocean-related contents are necessary to be treated goals. Second, the goals of school oceanic education are focused in vocational subjects. In order of commonality, information & knowledge are most frequent, then functionality, followed by activity & participation. There was no education provided focusing on value & attitude. Given that school oceanic educations were selected for promoting the importance of the ocean and highlighting the problems of the ocean, the lack of information & knowledge is of concern. The goals of oceanic education should be augmented to actively and positively participate in the solutions of the problems with knowledge, ocean-friendly value & attitude, and increased activity & participation. Third, the contents of school oceanic education commonly focuses on the relationships of oceans and humans, oceans and ecology, and artificial oceanic environments and facilities. Less common but still introduced are ocean resources, sea pollution, sea preservation and measures. Yet, in contrast there is a lack of education in the ethics of sea preservation.

농촌의료보험의 당면과제와 개선방향 (Reforming the Rural Health Insurance Programs in Korea)

  • 문옥륜
    • 농촌의학ㆍ지역보건
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    • 제16권2호
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    • pp.179-194
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    • 1991
  • Despite its universal coverage of health insurance, the rural health insurance program(RHIP) stands at the crossroads in Korea. The RHIP has weaknesses in stability of financing, problems of inequities in the provision of health services and has suffered from high cost of running the program. The author has analyzed these problems from the perspective of health insurance policy and presented several options for improvement. First of all, this study urged the importance of a firm Governmental commitment of RHIP with the 50% subsidization of contributions as the Government had promised, instead of the current 40%. This can be justified from the 20% subsidization by the Government for the contributions of private school teachers and their dependents, who belong to richer segments of the population. Second, various cost containment measures ought to be sought curbing the rising demand for medical through strengthening health education and increasing individual responsibility, and tightening the claim review process. Third, this study requires the Government to run a demonstration project on the introduction of case payment system for primary health care. Fourth introducing an income-related cost sharing scheme is another possibility. Reforming the cost sharing formula for large medical expenditures is recommendable for a beginning. This measure can take the form of tax credit for medical expenditures of the poor. Fifth, the degree of financial adjustment among health insurance plans should be levelled up for enhancing stability of RHIP and social solidarity. Sixth, health policy should be redirected toward development of rural health resources and higher priority should be put on relieving difficulties in access to care. Seventh. the insurance plan owned-hospital needs to be developed or provision of health services in the medically underserved areas, and the need of such facilities is particularly acute for geriatric care, rehabilitation and renal dialysis, etc. Eighth, more generous insurance benefits are required of the elderly who are suffering the most : elimination of the maximum 180 days of benefit period and provision of glasses and artificial dentures, etc. Ninth. the economies of scale principle is working for the operating expenses of regional self-employed insurance plan. Thus, measures should be instituted to pursue an optimum size of health insurance plans. Lastly, excessive dependence on exclusion items is an evil so that some radical remedies are urgently required to cut them.

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과학사 활용 과학 윤리 수업 모형 개발 (Development of a Teaching-Learning Model for Science Ethics Education with History of Science)

  • 신동희;신하윤
    • 한국과학교육학회지
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    • 제32권2호
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    • pp.346-371
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    • 2012
  • 본 연구는 과학사를 활용한 과학 윤리 수업의 가능성을 탐색하여 수업과 적절한 수업 모형을 개발하는데 목적이 있다. 본 연구를 위해 총 20권의 과학사 서적, 학술지, 논문, 신문자료 등에서 72개의 윤리 관련 사례를 추출했다. 과학사에서 윤리 관련 사례들은 연구 내용 위조, 연구 내용 조작, 실험 중 생명 윤리 침해, 표절과 도용, 부당한 공로 배분, 도를 넘어선 비방, 이데올로기와 결합, 사회적 책임 문제라는 총 8개의 소영역으로 범주화했다. 본 연구 결과는 다음과 같다. 첫째, 과학사에서 윤리와 관련된 사례는 과학 연구 과정에서 발생하는 윤리적 문제가 가장 많았다. 그 중에서도 연구 내용 위조 사례가 가장 많았다. 둘째, 8개 소영역별로 하나씩 총 8개의 수업을 개발했다. 셋째, 개발한 수업의 공통점을 찾아 과학사 활용 과학교육을 위한 수업 모형을 제안했다. 이 때, 과학 윤리수업 모형, 윤리 수업 모형, 역사 수업 모형 등 관련수업 모형들을 분석한 결과도 반영했다. '탐색-사례제시-문제 명료화-대안 탐색-정리'등 5단계의 흐름을 갖는 과학 윤리 사례 활용 과학사 수업 모형을 개발했다.

전자상거래상(電子商去來上) 지식재산권(知識財産權)의 보호문제(保護問題)에 관한 연구(硏究) - Domain Name과 상표권(商標權) 침해여부(侵害與否)를 중심(中心)으로 - (A Study on The Protection of Intellectual Property Right about The Electronic Commerce - Focusing on the Domain Name And the Trademark Infringement -)

  • 이한상
    • 무역상무연구
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    • 제13권
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    • pp.1013-1032
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    • 2000
  • At present, the scale of Electronic Commerce through internet has been rapidly increasing due to the development of information & communication technology, and aggregated to 2.4 billion dollar in America last year (1998). The market scale of worldwide electronic commerce is also presumed to be about 130 billion dollar in 2000, and to occupy more than 20% of the whole world trade in world 2020. Since the right of trademark, despite of being effective only in registered nations on the principle of territorialism, is unified on the cyber space of internet without domestic barrier or local limitation which make it easier to conduct the distribution of information rapidly through the address-internet domain name, those are very important that the systematic dispute-solving plan on problems such as decision of its Act and international jurisdiction to be established, in an effort to prevent the newly emerging dispute instances such as trademark infringement and improper competitiveness. In addition, it is natural that on the threshold of the electronic commerce age which formed with an unified area without the worldwide specific regulation, each country including us makes haste with the enactment of "electronic commerce Act" aiming at coming into force in 1999, in keeping with getting through "non-tariff law on electronic commerce" by U. S. parliament on May, 1998. In view of the properties of electronic commerce transactions through internet, there are the large curtailment of distributive channel, surmounting of restrictions on transaction area, space and time and the easy feedback with consumer and the cheap-required capital, from which the problems may arise - registration of trademark, the trademark infringement of domain name and the protection of prestigious trademark. Therefore, it is necessary to take the counter-measure, with a view of reviewing the infringement of trademark and domain name and the instances of each national precedent and to preventing the disputes. The improvement of the persistent system should be needed to propel the harmonious protection of those holding trademark right's credit and demanders' expectant profit by way of the righteous use of trademark.

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국내 설계.감리 등 용역보증제도 현황 및 개선방안 연구 (A Study on the Improvement of Engineering and Construction Supervision Guarantee System in Korea)

  • 이용희;최재호
    • 한국건설관리학회논문집
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    • 제12권3호
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    • pp.53-61
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    • 2011
  • 정부는 1990년대 대형건축물의 붕괴사고가 잇따르고 건축물의 사고로 인한 인적, 물적 손해에 대한 보전책이 불충분하다는 지적에 따라 '국가계약법'상에 일정규모 이상의 용역이나 건설공사에 대하여 의무보험에 가입하도록 하였다. 특히 2002년에 설계 및 감리 등의 기술용역 분야를 위한 보증제도가 도입된 후 여러 운영상의 문제점이 표출되고 있으나 이에 대한 구체적인 현황 분석 및 개선방안을 마련하기 위한 연구는 매우 미흡한 상황이다. 본 논문은 델파이 방법을 사용하여 기술용역 보증제도와 관련된 주요 제도 및 운영상의 문제점을 도출하고 이에 대해서 주요 보증시장 참가자인 발주청, 용역사, 보험사의 보험업무 실무담당자를 대상으로 설문조사를 실시하여 개선방안을 도출하였다. 주요 정책적 대안으로는 신용평가에 근간을 둔 보증한도의 조정, 비효율적인 연대보증인 제도의 폐지, 제3자 인적손해의 담보범위 포함과 보험가입금액의 상향, 보험 기간의 연장 및 기타 제도정비사항을 제시하였다. 제안된 개선방안들에 대한 이해당사자간에 공감대 형성은 국내 건설 산업계의 건전한 발전으로 이어질 것으로 기대해본다.

스마트폰 사용자 인증을 위한 카메라 영상 프레임 비교에 관한 연구 (Study on the Camera Image Frame's Comparison for Authenticating Smart Phone Users)

  • 장은겸;남석우
    • 한국컴퓨터정보학회논문지
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    • 제16권6호
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    • pp.155-164
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    • 2011
  • 스마트폰을 기반으로 한 앱은 병원의 의료 서비스, 은행 및 카드사의 금융서비스, 기업 및 가정의 유비쿼터스 기술 등 다양한 영역에 활용되고 있다. 이러한 서비스 환경에서 외부인에 의한 스마트폰의 불법적인 노출은 공 사적 정보의 유출을 포함한 자산의 손실이 발생한다. 이를 위한 보호 기법으로 비밀키 및 패턴 인식 기술, 정적인 단일 영상인증 기법이 적용되고 있으나 정적인 킷값의 유출 또는사진과같은영상을활용하여접근이가능하다는문제를 가지고 있다. 본 논문에서는 이러한 위험요소 및 문제로부터 스마트폰을 보호하기 위한 기술로 사용자 얼굴 인증 기술을 제안한다. 제안 기술은 사용자의 얼굴 동영상의 키 프레임을 실시간으로 추출하여 사용자를 인증하고 스마트폰의 접근을 제어한다. 인증 정보는 다수의 키 프레임으로 구성되며, 영상의 화소 및 휘도의 DC 값을 활용한 유사도 판별 알고리즘으로 사용자의 접근을 통제한다.