• Title/Summary/Keyword: financing plan

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A Study on Issues of Heavy Debtors and Credit Counseling in Japan : Including the Interview of Counselors in the Credit Counseling Service (일본의 다중채무자문제 및 채무자상담에 관한 연구 :채무자상담기관의 상담자 면접조사를 포함하여)

  • Lee, Hyun-Jin
    • Journal of Families and Better Life
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    • v.25 no.2 s.86
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    • pp.155-172
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    • 2007
  • This study is a qualitative analysis aimed at facilitating a plan of social support for heavy debtors. for this purpose, the status of issues related to heavy debtors in Japan is considered, and more is revealed about the status of operation for non-profit organizations and groups of heavy debtor victims as counseling agencies for heavy debtors. In addition, through interviews conducted with the counselors of these organizations, a survey has been made on whether the credit counseling provides particular functions for and increases the satisfaction of debtors. The root of Japan's large number of heavy debtors lay in that country's excessive growth of consumer financing, the increase of its use, the structural problems on the lending system of consumer financing and legal insufficiency, to name of few fundamental problems. The interviews on debtor counseling in private organizations revealed that the debtors being counseled showed a great change, due primarily to group counseling and activities, in such aspects as psychological stability, learning and understanding about heavy debts and willingness to take action for solving their own problems. In addition, regarding the aspects of time and cost, specialty, mutual exchange of experienced persons, psychological care and educational functions, the importance of the debtor counseling group's role has been established. To improve the problems of heavy debtors in Korea, there is a need to promote the importance of debtor counseling increase the interest and support of the administration, create a sense of solidarity among related organizations and promote public education on consumer credit. The support of the consumer credit industry and the development of human resources are also badly needed.

The Basic Principles of the Management Strategy for "Museum Manhwa Gyujanggak" As a Multi-Cultural Space of Manhwa (<뮤지엄 만화규장각>, 멀티만화문화공간 운영전략의 모색)

  • Han, Sang-Jung
    • Cartoon and Animation Studies
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    • s.17
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    • pp.175-186
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    • 2009
  • With its reopening in 2009, Korea Manhwa Contents Agency(KOMACON) divided its major business into two domains named "Contents Business Center" and "Museum Manhwa Gyujanggak", in charge of promoting Korean manhwa industry and Korean manhwa culture, respectively, in two separate buildings. Since the former is not likely to earn operation income for the time being at least because of the nature of the business, the latter plays an all the more important role. Accordingly, it is requisite for KOMACON to develop an operating plan for the museum which can be regarded as a multi-cultural space of manhwa in that it includes various cultural activities including exhibition, library, and research. This paper aims to propose a basic framework for its purpose of foundation, objects, organization, and personnel composition, and then, its sources of operating income-business operating profit and financing-, if not all of the details regarding the museum.

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A Study on the Market Conditions and Foreacast of housing and office market relating with Station Area Development (역세권에 연계한 주거.업무시설 시장현황 및 전망 연구)

  • Sun, Sang-Hun;Park, Jong-Koon;Kim, Ju-Young;Kim, Eun-Ju
    • Proceedings of the KSR Conference
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    • 2011.10a
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    • pp.1766-1784
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    • 2011
  • In the past, station-area development projects were proceeded for modernizing the station facilities and improving the customer's convenience facilities by attracting private financing. But the site of station-are a development has a limitation that limits of benefits comparing with initial cost and absence of collateral by constructed the national property. For the advancing business value, merchandising facilities were adopted. There were many problems like coming the loss of city development opportunities. Now, station-area developments are considered the station and city plan. so, they are rapidly rised up the life in the station, need of making cultural space, improvement efficiency, combination and connectivity of transportation system and need of journey to Work Distance. Accordingly, this study suggests the station-area development projects by analysis of market conditions and forecast about housing and office that meets the trend of station-area development and secures feasible business value.

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A Study on the relationship between Koera-US FTA and Export Competitiveness in Gyeonggi Province (한.미 FTA 체결과 경기도의 수출경쟁력에 관한 연구)

  • Lee, Jae-Hwa;Song, Jeong-Seok
    • International Commerce and Information Review
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    • v.10 no.4
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    • pp.221-250
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    • 2008
  • This study investigated and analyzed the export competitiveness of Gyeonggi-Do and the effect of Korea-US FTA on its export competitiveness. By reviewing the current status of trade structure and implementing trade specialization index(TSI) of export commodities of Gyeonggi-Do, the investigation has listed the specific export commodities with competitiveness for increasing the volume of its export in the United States, in the short, mid and long run perspectives. From the findings in this study, it suggests specific trade and commercial policies to Korea-US FTA including implementing commodity-oriented export supporting system, strategic marketing method, economic-free-zone plan, R&D investment, export financing and regional economic cooperation.

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A study on methods to enhance utilization of the Urban & Residence Environment Improvement Fund for redevelopment project -In Busan Metropolitan City- (재개발 사업 활성화를 위한 도시·주거환경정비기금 활용성 제고방안 -부산광역시를 중심으로-)

  • Kim, Heung-Kwan;Kang, Gi-Cheol;Yeo, Sung-Jun;Hwang, Taek-Jin;Lee, Chang-Hak;Kim, Kyung-Do
    • Journal of the Korea Academia-Industrial cooperation Society
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    • v.12 no.8
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    • pp.3766-3776
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    • 2011
  • The redevelopment project implementation difficulties and irregularities of the initial funding has been delayed in Busan. These financing and corruption in order to eradicate the composition of Urban & Residence Environment Improvement Fund. The province's major tax revisions improvement fund finances of City Planning Tax is due to the reduction is difficult to secure additional finances. This study tried to promote the activation of redevelopment in Busan by using Maintenance fund improvement of the institutional constrain As the results of this study, firstly, it is need to convert Metropolitan tax to some urban planning tax in local tax, some improvement fund to general rate among the Metropolitan tax. Secondly, we suggested to support of the practical measures for the operation and maintenance funds systematically, Urban & Residence Environment Improvement Fund the installation and operating ordinance's enactment, to establish a maintenance fund should be operational plan.

Impact of Complementary Private Health Insurance on Public Health Spending in Korea (실손형 민간의료보험의 도입이 국민건강보험 재정에 미치는 영향)

  • Huh, Soon-Im;Lee, Sang-Yi
    • Health Policy and Management
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    • v.17 no.2
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    • pp.1-17
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    • 2007
  • Limited coverage for health care services of National Health Insurance(NHI) in Korea has been ongoing policy issue but additional NHI financing through raising contribution or taxes in order to improve coverage faces substantial obstacles. Private health insurance(PHI) is often considered as an alternative financing source to improve coverage. Recent reform that attempted to stretch the role of PHI allowed life insurance companies to provide complementary PHI, indemnity plan which will pay for uncovered services by NHI and out-of-pocket spending for covered services. Although complementary PHI may relieve financial burden of patients, it may significantly raise NHI spending as well as total health expenditure since little out-of-pocket spending may increase utilization of health care. So far, there has not been enough discussion about concerns of potential adverse effect resulting from extended role of PHI. This study investigated potential increase of NHI spending followed by extension of complementary PHI through sensitivity analysis. The amount of NHI spending for services that would be covered by complementary PHI was calculated using 2005 NHI statistics and expected complementary PHI enrollment rate by age and sex. Expected utilization increases were obtained based on price elasticities$(-0.2{\sim}-0.5)$ from previous studies and expected coverage rate$(50{\sim}80%)$ of complementary PHI and then converted to monetary figures. Because coverage rate of complementary PHI has not been determined yet, we employed the sensitivity analysis using coverage rate of $50{\sim}80%$. Findings demonstrate that additional spending for health care services is expected to be $426{\sim}1,702$ billion won, corresponding amount payed by NHI $298{\sim}1,192$ billion won. In conclusion, since complementary PHI may raise NHI spending significantly, there should be an agreement whether this additional cost would be accountable and acceptable in our society. Potential inefficiency resulting from extended role of complementary PHI should be considered since public and private financing do not operate in isolation and there should be more discussion on proper role of PHI in Korea.

A Study on the Operating Status of National University Financial and Accounting System (국립대학 재정.회계시스템 운영 실태에 관한 연구)

  • Lee, Gwang-Su;Ahn, Seong-Jin
    • Journal of Internet Computing and Services
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    • v.12 no.1
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    • pp.71-83
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    • 2011
  • According to action of 'National University Finance And Accounting Act' enactment, national universities plan to introduce a new university accounting system reflecting the accrual basis and bookkeeping by double entry. For stable execution of the system, it is necessary to construct a national university financial and accounting system to be treated in a lump according to a new university accounting system. Therefore, the purpose of the study was to survey operating status of the existing national university financial and accounting system to prepare for that 'National University Financial And Accounting Act' would pass National Assembly, to draw its problems and to suggest a plan to construct national university financial and accounting system on the basis of the above. It is expected that the proposals suggested by the results of the study will give the Ministry of Education, Science and Technology and national universities a help in raising transparency of university finance and be utilized as basic data to construct national university financial and accounting system offering quick management information. to action 'National University Finance And Accounting Act' enactment, national universities plan to introduce a new university accounting system reflecting the accrual basis and accrual basis and bookkeeping by double entry.

A Study on the Evaluation and Improvement of Rental Housing Asset Securitization in Korea: Case Study on Korea Land and Housing Corporation (임대주택 자산유동화 사례평가 및 구조개선사항 연구)

  • Lee, Jong-Kwon;Kwon, Chi-Hung
    • Land and Housing Review
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    • v.4 no.1
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    • pp.107-117
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    • 2013
  • This study aimed to assess the rental housing ABS in Korea, and to suggest ways of improving the structure of existing rental housing ABS. Thus, the three major assessment for existing public rental housing ABS case can be summarized as follows : First, when viewed in terms of the accounting treatment, rental housing ABS which use the future receivables as underlying asset, can not enjoy off-balance-sheet effect. Second, when viewed from the point of financing costs, the rental housing ABS interest rate being higher than unsecure bond is very unreasonable nevertheless the ABS being off-balanced. Third, when viewed from the liquidity effect, the originator (LH) use the ABS as a means of diversifying funding in a serious liquidity crisis situation. The Improvement of rental housing ABS based on the evaluation results can be summarized into two broad. First, it is a plan to handle the off-balance-sheet effect in a way of changing the accounting treatment of rental payment. Second, it is a plan to reducing the structuring cost and interest rate in ways of multi-asset securitization structure, self-trust structure, and adopting legal CB structure.

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

  • Moon, Ok-Ryun
    • Journal of agricultural medicine and community health
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    • v.16 no.2
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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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Business Model of Renewable Energy Resource Map (신재생에너지 자원지도의 비즈니스 모델 개발)

  • Park, Nyun-Bae;Park, Sang Yong;Choi, Dong Gu;Kim, Hyun-Goo;Kang, Yong-Heack
    • Journal of the Korean Solar Energy Society
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    • v.36 no.1
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    • pp.39-47
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    • 2016
  • Geographic information system (GIS) based renewable energy resource map including potential analysis can play a crucial role not only to develop the national plan for renewable energy deployment but also to make strategic investment decision in the private sector. Korea Institute of Energy Research (KIER) has been developing domestic maps about several resources such as solar, wind, hydro, biomass, and geothermal, as well as conducting research on methodologies for potential analysis. Furthermore, the institute is trying to transfer related technologies and know-how to foreign countries, recently. In this context, the main purpose of this study is to introduce the business model of renewable energy resource map. From the value chain analysis, we focus on the government-side market in foreign countries, such as the development of the national level renewable energy resource map and the support of the national renewable energy plan. For about 180 countries, we segment the customers according to the consideration of economic capacity, renewable energy resource capacity, existence of renewable resource map, current portion of renewable energy facility capacity, and renewable energy policies, and we conclude that the target customers are non-Organization for Economic Co-operation and Development (non-OECD) countries or some OECD countries, their per capita GDP are under the average among OECD countries, that do not have renewable resource map yet. We segment the target customers into four groups, and suggest different strategies for market positioning and financing strategy based on Strengths, Weaknesses, Opportunities, Threats (SWOT) analysis. This study can help to develop the business strategy about the development of renewable energy resource map in foreign countries.