• Asia Marketing Journal
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• 제17권4호
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• pp.89-104
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• 2016

Based on the observation that insurance companies in Korea, unlike those in other financial sectors and those in other countries, dominantly use the agent-based push-type marketing strategy, this paper hypothesizes that difference in distribution systems originating from characteristics of financial products can lead to welfare asymmetry between financial institutions and customers, merely due to their financial matching. For this analysis, we employ a simple matching theoretic model, try to understand the welfare implications of distribution systems from a matching theoretic perspective, and analyze the bottom of negative perceptions of insurance industry. The proposed model suggests that this welfare asymmetry derives mainly from financial matching through the distribution systems, which implies that any efforts to improve the insurance industry must consider changes in the matching process, namely the distribution system. We hope that this paper complements and extends the existing literature on insurance distribution systems in terms of methodologies and research subjects.

• 사회복지연구
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• 제42권2호
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• pp.97-122
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• 2011

최근 글로벌 경제위기 직후 각국은 경기부양책의 일환으로 일제히 복지지출을 늘렸으나 재정위기가 불거지면서 복지지출을 급속히 축소시켰다. 그렇다면 경제위기 이후 복지국가는 어떠한 역사적 변곡점을 통과하고 있는 것일까? 빈곤과 양극화로 복지와 이를 책임지는 국가 역할에 대한 요구는 높아지고 있지만, 국가의 위기 대응은 사실상 금융산업 구제와 감세에 집중되었다. 국가는 시장 조정과 개입 능력에 많은 한계를 보였다. 대규모 구제금융 등으로 인한 재정 압박, 정치적 개인주의의 증대와 계급정치 변화 경향, 그리고 복지제도와 금융부문의 혼합 등과 같은 요소들로 볼 때 향후 복지국가 진로에 대해 낙관적 전망을 하기는 어렵다. 경제위기 이후 신자유주의적 자본축적 전략과 국가전략이 유지되고 있는 가운데 중간층 대상의 현금급여 위주로 복지 축소가 진행되고 있다. 따라서 과거와 같은 계급타협보다는 복지국가가 최소수준 보장을 통해 빈민에 대한 포섭을 강화하는 것이 유력하게 전망 된다. 이러한 최소주의 복지국가로의 진행을 막는 관건은 아래로부터의 연대를 통해 자본을 압박하는 것이지만, 그 전망은 불투명하다.

• 한국노년학
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• 제41권1호
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• pp.127-147
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• 2021

노인복지증진을 위한 지방정부의 안정적인 재원확보 및 효율적 재정운영은 매우 중요하다. 본 연구는 17개 시·도를 대상으로 퍼지셋 질적 비교분석 방법론(Fs/QCA)을 적용하여 노인복지예산 결정요인의 원인조건을 탐색하였다. 선행연구를 토대로 원인변수를 사회경제적 요인(고령인구비율, 노인국민기초생활보장 수급비율), 재정적 요인(재정자주도), 정치행정적 요인(노인복지조례 수)으로 선정하였고, 결과변수는 노인 1인당 복지예산으로 설정하여 분석하였다. 분석결과, 노인복지예산을 결정하는 원인변수의 조합은 세가지 형태로 나타났다. 첫째, 고령인구비율이 낮으며, 노인국민기초생활보장 수급비율이 높고, 노인복지조례 수가 적은 경우였다. 둘째, 노인국민기초생활보장 수급비율이 낮고, 재정자주도가 낮으며, 노인복지 조례 수가 많은 경우였다. 셋째, 고령인구비율이 높고, 노인국민기초생활보장 수급비율이 높으며, 재정자주도가 낮은 요인이 결합되어 노인복지예산 결정요인으로 나타났다. 이러한 결과를 토대로 지방정부에서는 사회경제적 요인, 재정적 요인, 정치행정적 요인 등을 고려하여 실질적인 노인복지예산 결정이 이루어질 수 있는 방안을 모색하기 위한 정책적 제언을 제시하였다.

• International Journal of Human Ecology
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• 제3권1호
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• pp.37-54
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• 2002

This study examines longitudinal patterns of financial kin support and welfare given to single mother families using life table techniques. Drawing on the 1985-1993 Panel Study of Income Dynamics(PSID), I followed 560 single mothers from the time they began a single motherhood spell. About 30 percent of these single mothers received financial support from relatives, and 40 to 50 percent received AFDC and Food Stamps, respectively. Results indicate that kin support is more likely to be given in a transitional period and tends to decrease over time. In comparison, receiving welfare appears positively time-dependent.

• KDI Journal of Economic Policy
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• 제43권4호
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• pp.45-67
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• 2021

We analyze the social welfare effect when a policy-based financial system (PFS) enters a decentralized financial market. Particularly, the PFS in this case supports the interest spread for corporate loans held by firms with heterogeneous bankruptcy decisions under an imperfect information structure. Although support for capital costs through the PFS expands the economy consistently, the optimal level of PFS out of the corporate loan market is estimated to be 8.6% by a simulation model considering social welfare adjusted by the disutility of labor. This result is much lower than the recent level of PFS in the Korean financial sector.

• The Journal of Asian Finance, Economics and Business
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• 제8권4호
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• pp.181-191
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• 2021

The aim of the study is to empirically investigate and analyze the influence of public welfare, audit findings, and follow-up of audit recommendations on audit opinion with the disclosure level of financial reports as an intervening variable using agency theory and signaling theory. To achieve this purpose, a quantitative research method was employed. Population of this study is Provincial Government Financial Reports in Indonesia for fiscal years 2016 to 2018. There were 84 financial reports that met the criteria of purposive sampling. The data were gathered from the websites of the Audit Board of the Republic of Indonesia and the Indonesian Central Bureau of Statistics. In this study, the hypothesis-testing tool is path analysis using the Statistical Package for Social Sciences version 15. Based on the multiple regression analysis, the results show that audit findings, public income, and the disclosure level of financial reports significantly influenced audit opinion. Besides, the follow-up of audit recommendations and public health significantly influenced audit opinion through the disclosure level of financial reports. This study suggests that, in order to have better audit opinion, local governments need to improve public welfare, follow-up audit finding, and disclose more details in financial report.

• 가족자원경영과 정책
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• 제17권1호
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• pp.63-79
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• 2013

The purpose of this study is to identify the factors that influence the willingness to marriage initiation(WMI) among the never married in their 30s. In particular, we examine the effect of financial resources on the WMI. A data set from the National Survey of Marriage and Childbirth (2009 Wave) were analyzed. We find that the effect of financial resources on the WMI are different by gender. Home ownership is a statistically significant factor in the logistic regression model for men, but not in the model for women. Women with higher earnings are more likely to be single and unemployed men are more likely to be single than employed men. In the Korean societal contexts, these findings support the bi-standard of financial resources between male and female in the marriage market.

• 사회복지연구
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• 제40권3호
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• pp.99-124
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• 2009

본 연구에서는 국고보조사업의 지방이양과 분권교부세제도의 실시 및 보통교부세로의 통합이 갖는 문제점을 검토하고 그 개선방안을 모색하였다. 참여정부 시기에 이루어진 복지분권화는 지방정부의 재정 부담 가중, 지방이양 복지사업 추진 차질, 지방간 격차 확대 우려 등의 문제를 발생시켰다. 이러한 복지분권화에 대한 개선방안으로는 사회복지교부금의 신설, 국고보조사업으로의 환원 및 포괄보조금 확대 등 다양한 방안이 제시되고 있다. 본 연구에서는 한편으로는 국가사무와 지방사무를 나누는 이론적 원칙을 수립하고, 다른 한편으로는 지방으로 이양된 사회복지사업에 대한 일선 공무원들의 평가와 사회복지사업 재분류에 대한 전문가 조사를 토대로 사회복지사업 지방분권에 대한 개선방안을 연구하였다. 또 현행 국고보조사업에서도 중앙정부와 지자체의 책임과 권한을 재검토하고 주로 국고보조율을 조정하여 국고보조사업에서의 중앙과 지방의 재정적 책임 분담을 개선하는 방안을 검토하였다.

• 한국사회복지학
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• 제46권
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• pp.7-36
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• 2001

The current benefit expenditure of National Pension Scheme is comparatively small, as it stands in the early stage in reference to the historical development. On the other hand, the current contribution rate of National Pension is set up beyond which is sufficient to cover the current benefit expenditure. Therefore, National Pension makes big surplus every year such that the size of accumulated fund increases very fast. Nevertheless, the apprehension of financial instability of National Pension prevails these days. If so, is it really well-grounded? In terms of the method of financing. public pension schemes of most of all nations in the world are based on pay-as you go or partial funding. Under these financing methods, financial soundness fundamentally depends on the power that the government is able to impose the burden which is equivalent to benefit expenditure and the attitude of the public which represents whether they will admit it or not. Under this perspective, the judgement of financial soundness of public pension can not be made arithmetically and technically only on the basis of the balance between receipts and expenditure but should be accomplished considering the very complex and diverse aspects. In these context, this paper defines what the financial soundness of public pension means specifically and presents the objective indices which help judge it, that is, implicit debt, cost rate, summarized cost rate, pension expenditure as percentage of GDP, and fund rate. Then, applying the indices, this paper analyzes the long-term financial situation of National Pension empirically and evaluates its financial soundness in exploratory perspective.

• 한국사회복지학
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• 제44권
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• pp.64-90
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• 2001

There has been a demand of changing service delivery system for social welfare services, and therefore changing is resource acquisition environment for community social welfare service organizations (CSWSOs). These phenomena are, however, not properly actualized through the CSWSOs. The discrepancy between environmental demand and organizational adaptation seems to result from our lack of understanding those organizations. Based on this understanding, several research problems have been formulated on resource acquisition behaviors of CSWSOs. Empirical data were gathered, and the final sample included 82 social welfare agencies of Pusan province and 122 top/high level agency administrators. The result of data analysis and their implications are as follows: (1) Most of CSWSOs prefer government grants to other financial resources, because government resources can give them more stability than others including private donations and user fees. (2) In order to induce changes in CSWSOs, their stability needs should be properly counted. (3) There is no enough evidence to prove that CSWSOs leaders' personal characteristics have contributed to the behavioral differences on financial resource acquisition among CSWSOs. Rather, there has been enough evidence to prove for influences by institutional environment factors. So, it is recommended that, in order to change behaviors of CSWSOs, the focus should be given to the proper control of those institutional environment factors.