• 한국사회복지학
• /
• 제57권4호
• /
• pp.321-342
• /
• 2005

본 논문은 보험료를 중심으로 하는 의료보험 재정방식의 문제점을 파악하고 그 대안으로서 조세를 통한 국고보조의 가능성을 검토하기 위해 작성되었다. 이 목적을 달성하기 위해 의료보험재정과 관련된 근로관계, 소득재분배효과, 기업의 부담, 위험분산 그리고 의료보험의 관리운영권이라는 5가지 관점에서 살펴보았다. 그 결과 보험료 재정방식은 여러 문제들이 있으며 그것들이 조세를 통한 국고보조로 해결될 수 있을 것으로 파악되었다. 이 결과를 기초로 보험료 중심의 의료보험재정을 조세방식으로 전면적으로 전환하자고 주장하는 것은 무리가 있다. 그러한 정책의 시행에 영향을 미치는 다른 변수들을 고려해야 하기 때문이다. 그러나 본 논문은 국가의 재정적 책임의 점진적 확대 또는 유지와 관련된 논의를 좀더 체계적으로 전개하는 데 기여할 수 있을 것이다.

• 비교교육연구
• /
• 제26권3호
• /
• pp.133-160
• /
• 2016

본 연구는 미국 대학의 등록금 정책과 학자금 지원 정책의 최근 동향을 살펴보고, 이러한 정책이 우리나라의 고등교육정책에 주는 시사점을 모색하고자 하였다. 미국의 고등교육은 지난 수십 년간 지속적으로 논쟁이 되어 왔던 대학등록금 정책과 학자금 지원 정책에 대한 큰 변화가 2000년대 중반 이후 연방정부와 주정부 모두의 차원에서 이루어져 왔다. 대학등록금 정책과 관련하여 연방정부는 등록금 억제를 위한 나름대로의 방안을 강구하여 왔으며, 그 결과로 등록금 수준이 가장 높은 대학이나 등록금 인상이 가장 높은 대학들의 명단을 대중에게 공개하여 오고 있다. 주정부들 역시 대학들의 등록금 인상 제한이나 등록금 인상 시 장학금과 연계 하는 등 나름대로 합리적인 등록금 정책을 실시하고자 노력하여 왔다. 학자금 지원에 있어서도 연방정부는 기존의 학생지원 프로그램을 개편하여 저소득층 학생에게 실질적인 혜택을 주고자 하였으며 이러한 정책들은 비록 초기이지만 어느 정도 효과가 있는 것으로 나타나고 있다. 이러한 미국의 고등교육정책은 우리나라의 효과적인 등록금 정책 마련이나 학자금 지원정책에 의미 있는 시사점을 줄 수 있다.

• International Journal of Human Ecology
• /
• 제8권2호
• /
• pp.17-28
• /
• 2007

Using data from the 2001 American Housing Survey, the purpose of this study is to profile the economic and socio-demographic characteristics of baby boomers according to housing down payment sources and to identify determinants of housing down payment sources among baby boomers. Results of the multinomial logistic regression analysis indicated that household income, housing value, age, education, gender, marital status, race, and geographic region were all significant determinants of housing down payment sources among baby boomers. Identification of factors affecting the occurrence of borrowing for housing down payment would aid in the development of financial education programs for baby boomer households.

• 동아시아경상학회지
• /
• 제3권2호
• /
• pp.13-20
• /
• 2015

Online or e-banking has been adopted as key banking innovation in Uganda adopted by all financial institutions in the country. This research explored the state of e-banking and its efficacy in Uganda banking industry. A correlation analysis approach was adopted for this research. In Uganda, the banking sector has been liberalized with telecommunications allowed to effect e-banking and ecommerce transactions. The study concentrated on the periods of years 2011/2012 and 2012/2013. Findings from this research revealed that BOU uses UNISS for real time gross settlement (RTGS). Since its adoption a +1 coefficient correlation was realized. With the use of mobile money, also a +1 coefficient correlation was achieved for the period under consideration. As regards the use of e-cheques, there was a drop reflected by -2.8 percent which could have been attributed to perception of the users, though there was a +1 coefficient correlation when considering e-cheque transactions and the monetary value. The use of EFT in Uganda generated a +1 coefficient correction considering the number of users and the monetary value involved. Bank of Uganda should work hard and make or go live with electronic banking supervision software which would aid them with their supervisory roles.

• 농촌지도와개발
• /
• 제18권3호
• /
• pp.351-384
• /
• 2011

The purpose of this study is to look at the case of the German compensation system for farmers' accidents and to build a basic scheme in our country's compensation system for farmers' accidents. When you view examples of Germany, the social insurance scheme for farmers accidents in korea should be design as an independent institution from the existing industrial accident insurance, and it comes to relationships with other social insurance system, preferably with complementary personalities. A general rule of the compensation system applies to all farmers in principle but the coverage limits part-time farmers. Financial burden consists of the mix of insurance premium and state aid. The type and level of benefits is similar to the current industrial accident insurance, which give priority to places on economic security for keeping farmworks, such as cost for using temporary farmers, rather than income loss. In terms of financial system, pay-as-you-go system would be better because of immediate payment with the introduction of the compensation system. The compensation system might be managed and administrated by the existing nationwide organization. Of course, for operating of system review and further research on the technical details such as premium issues and funding problems of government support, the exact classification of the target coverage, premiums based on estimated income for the farmers' estimation, the exact statistical data on the accumulation of agricultural disaster is needed.

• 한국환경교육학회지:환경교육
• /
• 제5권1호
• /
• pp.112-137
• /
• 1993

As the concern with the creation of environmental problems and regulations about them becomes internationally growing, environmental cooperations with countries concerned are emerging as the first item on the political agenda. In case of South Korea, cooperations with countries in the Asian region is needed urgently. In particular, cooperations with North Korea will be an important factor to reunify the Korean peninsula as well as to solve environmental problems in South Korea. Accordingly, it is necessary to seek feasible alternatives and possibilities of coping with international environment in South and North Korea. This study is limited to literature study based on collecting materials and the testimony of former residents in North Korea. The period of study ranges from May to December in 1992. The research findings show the following environmental problems and alternatives : It is recognized in South Korea that the creation of environmental problems is product of economic development. Currently, the Korean government makes an effort to revise environmental administration and law, to encourage environmental education, and to proceed with environmental technology policies by establishing environmental policies together with economic development plans. North Korea ascribes the cause of environmental problems to colonial exploitation by Japan and the U.S. Environmental pollutants in North Korea is relatively less than South Korea, provisions such as environmental conservation movement, environmental education, and environmental administration and law are not well organized in the country. However, North korea will speed up its economic development to solve economic crises. Therefore, it is expected that industrial wastes, corrosion of nature, and water pollution will result in serious environmental problems. The fields expected to cooperate with South and North Korea are in the following : South Korea may adopt the model of the former East and West Germany and proceed to cooperate with North Korea in public sector as well as private sector. The possible programs are such as academic exchange to conserve environment, joint research in the area of the Demilitarized Zone, conservation of ecosystems around Imjin and Pukhan Rivers, South Korea's support of advanced environmental technology and industrial and financial aid to North Korea. Conflicts between countries concerned in the North East Asian region will be caused by the responsibilities of pollutions because of the seashore development of the Yellow Sea by South Korea and increasing seashore industrial complexes around the Yellow Sea in China, Therefore, it is desirable that the two countries will participate in organizations related to environment. Joint projects between South and North Korea will be as follows : 1. Construction of long-range monitoring system : 2. Investigation of the state of pollutions around the Yellow Sea and alternatives : 3. Construction of joint monitoring system to regulate the movement of pollutants : 4. Cooperation of environmental technology and exchange of information ; and 5. Support of Cooperation of environment in private sector. Efforts to cooperate with North korea is expected to overcome differences between the two countries as well as to encourage unification of the korean peninsula, which will lead to reducing the cost of environmental recovery. These efforts will also contribute to the maintenance for peace and stability on the korean peninsula as well as in the North East Asian region.