• 무역상무연구
• /
• 제52권
• /
• pp.25-44
• /
• 2011

Possibility of credit risk, foreign exchange risk and interest rate risk of exporter increases in the recent international Commercial transactions, due to financial crisis of Europe and liberalization of Middle East. Under this circumstance, Forfaiting is trade finance that forfaiter purchase negotiable debt instrument without recourse from exporter, which occurred related with international commercial transactions, and credit risk, contingency risk, foreign exchange risk and interest rate risk of exporter can be transferred to forfaiter. Forfaiting is typically medium-term finance(three to five years) concluded at fixed interest rate, although it can also arranged on a floating interest-bearing basis for periods from six months to ten years or more. But Forfaiting service of Korea has limitation as follows. First, forfaiting in Korea deals with unrestricted irrevocable documentary credit as debt instruments. Period that forfaiting is provided is short and amount of money is limited, compared with advanced forfaiting. But forfaiting provided in advanced countries deals with various methods such as guarantee for bill, payment guarantee, and can be resold in financial market. Recently importance of forfaiting is increasing in international commercial transactions. Therefore profound study on forfaiting is required. The study will examine the risk that happens to the concerned parties in forfaiting, and its management measures. The study adopted literature review method such as local and foreign books and papers about trade finance, internet information about forfaiting, and professional journal related with international finance.

• 한국의류산업학회지
• /
• 제14권6호
• /
• pp.941-951
• /
• 2012

As smartphones permeate the consumer lifestyle, branded application and mobile shopping have also received increased attention as an important marketing channel. This study identifies the general information about the use of smartphones, attitudes toward fashion applications, and mobile shopping intentions for smartphone users. Focus group interviews were conducted and 22 interviewees participated. The age of the participants ranged from 21 to 45 years old (55% were females). When examining the motivation to adopt a smartphone, respondents presented the comparable characteristics of early adopters and late adopters according to the time of adoption. Most respondents over the age of 30 showed some troubles to use a smartphone; however, participants in their 20s tended to enjoy exploring the new technology. More than half of respondents were aware of fashion applications, but were dissatisfied with fashion apps and used them infrequently. Respondents pointed out that fashion related apps were not too practical because they were not updated regularly, provided only limited information, and focused on brand promotions. In order to increase the intention to adopt mobile shopping, the price and payment security system needs to be considered. This was an exploratory study to identify the possibility of fashion branded apps as a major distribution channel. The findings of this study provide fundamental information to formulate marketing strategies for fashion businesses that have developed fashion apps.

• 무역상무연구
• /
• 제49권
• /
• pp.139-164
• /
• 2011

Traditionally courts have been adopted over the years two standards of dealing with compliance of documents such as strict compliance and substantial compliance and the substantial compliance, which was somewhat less demanding than the strict compliance. However the new guidelines of ICC's international standard banking practice for the examination of documents under documentary credits set up how the UCP is to be applied in practice. The payment obligations of an issuing bank to a beneficiary are independence of the performance or the nonperformance of any contract underlying the letter of credit. However, strictly applying the principle of independence and abstraction could produce unfair results by operating unjustly enrich an unscrupulous beneficiary in case of fraud. Accordingly, when a beneficiary presents complying documents, the issuing bank is bound to honour the presentation unless the fraud rule applies on the facts of the case such as forged or material fraud. If it does, the issuing bank(issuer) needs not pay despite the complying presentation of documents by the beneficiary under the Uniform Commercial Code Article 5-109 and case law in America. However the fraud rule was not addressed in UCP 600. In conclusion, view in terms of legal principle and the court cases is variable and difficult to honour or dishonour the presentation in case of application of the independence principle and fraud rule such as the problems on burden of proof timely, possibility of granting injunction in order to protect against victim for bona fide applicant.

• 정보처리학회논문지C
• /
• 제11C권3호
• /
• pp.287-292
• /
• 2004

브랜드의 카운터 방식 전자화폐 알고리즘(BOCC)은 이동 환경에 적절하지만, 스마트 카드내 금액정보를 공격할 수 있다. 따라서 토큰 데이터에 지불 한계 금액을 삽입함으로써 상한금액을 넘어서 사용하지 못하도록 하고, 상한과 하한 값을 같게 하면 고정금액 토큰이 된다. 또한 온라인 거래에서 더욱 빈번히 발생 가능한 환불성을 추가한다. 기존의 BOCC는 이산대수문제(Discrete Logarithm Problem)에 근거하기 때문에 지수 승을 반복해서 수행하여야 한다. 그런데 제한된 계산 능력을 가진 이동단말의 경우는 계산량을 줄여야 한다. 따라서 타원곡선 알고리즘(ECC)을 적용함으로써 기능은 동일하나 계산량 감소를 얻을 수 있다

• 보건행정학회지
• /
• 제32권3호
• /
• pp.247-257
• /
• 2022

The presidential election and the inauguration of the new government are a period of the policy window opening. The newly launched government is expected to improve the quality of life of the people. The Yoon Suk-yeol Government is also launched with new expectations with a transitional period in health care. The sustainability of health care in Korea is threatened. The environment of health care and the main policy issues of health care are difficult to secure the necessary finance for health care in spite of the increasing health care burden. Accordingly, the Yoon Suk-yeol Government's health care policy aims to provide intensive support to those in need of health and welfare and to improve the health of the people through investment in health. And for integrating fragmented health care and welfare services and creating people-centered community-based health care, a health care innovation center will be established for the evaluation platform of new delivery and payment systems, a health care development plan will be established for the blueprint of health care, and reorganizing the central & local government should be reviewed. Although we are facing unfavorable situations such as the distribution of the National Assembly, inflation, and the possibility of economic recession, we expect that announced health care policies will be implemented, recognizing that health care innovation is the only way to improve health care sustainability.

• 국제학술발표논문집
• /
• The 4th International Conference on Construction Engineering and Project Management Organized by the University of New South Wales
• /
• pp.399-406
• /
• 2011

Various construction bonds and warranties critically burden the general contractor. Also, sporadic or cumulative delays of progress payment by the owner can further trap the contractor in a financial quagmire. Facing the possibility of cash flow deficiency and callous response from the banks, most construction firms may become financially incapable of market competition, and attractive project tenders become a bidding game among few deep-pocket players. The downside of such market environment is that the depth of pocket, rather than that of professional competency dictates the choice of market winners. In Taiwan, this has been a potential crisis to the construction industry after the financial crisis which started out since 2008. To encounter this problem, this research will examine the means to better manage the construction industry. Essentially, a credit guarantee system (CGS) is the prime solution to strengthen a bank's confidence in any particular construction firm. Thus establishing a national platform which evaluates and rewards a construction firm's overall credibility is pivotal, and this third-party rated credit can help a bank to render a loan more wisely. Finally, this paper will propose the ideal operating schemes of construction-specific CGS in Taiwan and a credit scoring prototype model for construction industry, as reference for the government and banks, respectively.

• 벤처창업연구
• /
• 제12권1호
• /
• pp.133-144
• /
• 2017

본 연구는 1999년부터 2015년까지 상장기업을 대상으로, 순위프로빗 모형을 이용하여 신용등급 관련 이해관계자 중 하나인 기업의 관점에서 신용등급에 영향을 미치는 요인을 투자등급과 투기등급으로 구분하여 분석하였다. 투자등급의 경우 영업이익률, 매출액, 시장가/장부가, 배당지급, 자본적 지출 비율, 유형자산 비율이 양(+)의 계수를, 장 단기 부채비율, 베타, 고유위험이 음(-)의 계수를 보였다. 투기등급의 경우 배당지급, 유보이익률, 자본적 지출 비율이 양(+)의 계수를, 장 단기 부채비율과 연구개발비가 음(-)의 계수를 가졌다. 글로벌금융위기 이후 "신용정보의 이용 및 보호에 관한 법률"이 강화된 2009년 전 후를 기준으로 분석한 결과, 투자등급에서 자본적 지출 비율, 현금비율, 유형자산 비율이 2009년 이전에는 양(+)의 계수를 보였으나 2010년 이후에는 유의하지 않았다. 투기등급의 경우 2009년 이전에 단기부채보다 장기부채가 더 유의한 음(-)의 계수를 보였으나 2010년 이후에는 장기부채보다 단기부채가 더 유의한 음(-)의 계수를 보였다. 흥미롭게도 연구개발비가 2010년 이후 투자등급과 투기등급 모두 유의한 음(-)의 계수를 보였다. 이는 연구개발에 대한 투자가 기업의 성장기회를 높여 더 많은 현금흐름을 창출하며 이것이 신용등급을 상승시킬 것이라는 선행연구와 일치하지 않는다.

• 해양환경안전학회지
• /
• 제11권2호
• /
• pp.41-49
• /
• 2005

해양사고가 발생하게 되면 총론적으로는 해원의 형사책임은 자기부죄의 원칙상 해원이 직접 부담하지 아니할 수 없다. 그러므로 해원의 형사책임에 대한 대책은 형사상의 절차(영장실질심사제도, 구속적부심제도 등)를 최대한 이용하여 자신의 형사책임을 줄이는 방법 밖에는 없을 것이다. 기존법률의 개정을 통해 형벌을 낮추는 것도 하나의 방법이 될 것이다. 각론적으로 벌금 관련한 예로서 현행 해양오염방지법상의 과실로 인한 기름유출사고의 벌금인 3천만원은 유출량에 관계없이 최고액수가 벌금으로 나오는 경향이 있으므로 이를 유출량에 따라 차등화 시키는 것도 고려해볼 가치가 있을 것으로 판단된다. P&I의 벌금납부는 일반의 인식과는 달리 P&I가 법적의무를 부담하거나 P&I납부를 인정하는 경우에만 전보가 가능하다. 이러한 문제를 해결하기 위해서는 새로운 집단적 보험이나 공제제도를 신설하는 것도 하나의 대안이 될 것이다. 또한 해원들은 법률적인 문제에 대하여 전문가가 아니므로 법률적인 문제에 연루되게 되면 변호사 등 법률전문가의 조력을 체계적으로 받을 수 있도록 선주협회나 해기사협회 등에서 대안을 마련할 필요가 있다. (예 농어민무료법률구조지원사업 등). 끝으로 별도의 법률을 제정하든지 그렇지 않으면 기존의 교통사고처리특례법을 개정하여 해양사고부분을 삽입하는 것도 대안일 수 있을 것이다.

• 디지털콘텐츠학회 논문지
• /
• 제17권3호
• /
• pp.119-133
• /
• 2016

이 연구는 2013년 KBS가 국회에 제출한 TV 수신료 인상안의 여론조사를 바탕으로 시청자의 공적 가치 인식이 공영방송에 대한 필요성과 TV 수신료 지불의사에 미치는 영향을 탐색해보자 하였다. 이를 위해 KBS가 제시한 7대 주요 수행과제를 품질, 다양성, 보편성, 사회적 가치, 글로벌 가치 등 5개의 공영 방송의 공적 가치로 분류하였다. 연구결과는 다음과 같다. 첫째, KBS가 제시한 공적 가치 가운데 무료 지상파 다채널방송을 통한 디지털 복지 확대를 선택한 집단이 공영방송의 필요성을 가장 높게 인식한 것으로 조사되었다. 둘째, 수신료 1,000원 인상은 72.4%, 1,500원 인상은 43.9%가 긍정한 것으로 조사되어 KBS의 1,500원 인상안은 시청자의 수신료 지불의사를 반영한 것으로 나타났다. 셋째, 조사자의 84.6%가 공영방송의 필요성을 인식하고 있으며 공영방송의 필요성은 수신료 지불의사와 상관관계가 있는 것으로 분석되었다. 이런 연구 결과는 보편성, 사회적 가치, 품질과 같은 공영방송의 공적 가치를 성실히 수행할 때 공영방송과 수신료제도의 정당성을 확보할 수 있는 가능성을 확인해 주고 있다.

• 무역상무연구
• /
• 제37권
• /
• pp.187-216
• /
• 2008

Risk regarding the possibility of loss can be especially problematic. If a loss is certain to occur, it may be planned for in advance and treated as a definite, known expense. It is when there is uncertainty about the occurrence of a loss that risk becomes an important problem. The word risk is often used in connection with insurance. No one generally accepted definition of risk exists, however. Of the many definitions, two distinctive ones are commonly used. One defines risk as the variation in possible outcomes of an event based on chance. That is, the greater the number of different outcomes that may occur, the greater the risk. Another way of expressing this concept is to state: The greater the variation around an average expected loss, the greater the risk. The second definition of risk is the uncertainty concerning a possible loss. The definition of risk as a useful one because it focuses attention on the degree of risk in given situations. The degree of risk is a measure of the accuracy with which the outcome of an event based on chance can be predicted. For now, it will serve our purpose to note the more accurate the prediction of the outcome of an event based on chance, the lower the degree of risk. After sources of risks are identified and measured, a decision can be made as to how the risk should be handled. A pure risk that is not identified does not disappear, the business merely loses the opportunity to consciously decide on the best technique for dealing with that risk. The process used to systematically manage risk exposures is known as risk management. Some persons use the term risk management only in connection with businesses, and often the term refers only to the management of pure risks. In this sense, the traditional risk management goal has been to minimize the cost of pure risk to the company. But as firms broaden the ways that they view and manage many different types of risk, the need for new terminology has become apparent. The terms integrated risk management and enterprise risk management reflect the intent to manage all forms of risk, regardless of type. International trade transaction is called between countries has features of globalism, cultural gap, long distance and long terms for the transaction. It is riskier than domestic transaction has its specific risks, such as foreign exchange risk and political risk, and requires various active risk management skills. Risks in relation to the international trade transaction are the contract risk, transit risk and payment risk, etc. The risk management in relation to the international trade transaction is to identify and measure these risks. The purpose of this study is to analyse the practical problems and its solution plan by analyzing various cases related to the risk management of bill of lading in the international trade transaction.