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장환 한국부동산경영학회 2023 부동산경영 Vol.27 No.-
크라우드펀딩 일환으로 P2P대출은 개인과 소상공인, 소기업 대출의 대안 금융으로 부 상하면서, 국내의 경우 2016년부터 새로운 투자수단으로 인식되어 급성장하였다. 이에 초기 P2P대출 플랫폼의 대출 금융사고 등으로 투자자에 대한 보호가 절실하였고, 기존 규제 체계 미비점 등으로 인해 새로운 「온라인투자연계금융업 및 이용자 보호에 관한 법 률」이 2020년 8월에 제정되었다. 새로운 법규 제정으로 P2P대출 시장은 투자자 보호장치 강화 등으로 투자자들의 시장 에 대한 신뢰가 회복되는 가운데 재성장의 발판을 마련하였으나, 온투법 제정 이후에도 P2P대출 시장의 지속 가능한 성장을 위하여 규제 및 감독 법규상의 추가적인 보완 및 방안 강구가 필요한 시점이다. 본 연구는 그동안의 P2P대출을 위한 법규 및 규제 등에 대한 선행연구를 검토하고 이 를 바탕으로 P2P대출 플랫폼 및 투자자, 차입자로 구분하여 국내의 새로운 법규와 영국 및 미국, 일본 등 주요 해외 규제 사례를 비교 연구하였다. 그리고 현행 국내의 P2P대출 규제 및 법규 등에 대한 문제점을 언급하고 금융감독 당국의 정책 및 감독 방향으로서 단기적, 그리고 중장기적 방안을 제시하였다. As part of crowdfunding, P2P(Peer-to-Peer) lending has begun to become alternative financing to consumers and small-sized companies. P2P lending in Korea has been regarded as a new investment for investors. Because of poor supervision, there were financial scandals of P2P platforms. Therefore, the new P2P Law (the Law for On-line Investment related Financing and Protection for Users) has been made in August, 2020. After the new law, investors started to recover trust to the market. However, for the sustainable growth, additional considerations for regulations and policies are needed on-going. Th study reviewed precedent studies and analyzed the overseas regulatory systems, and their systems have been compared with Korean system. And policy and regulatory considerations for P2P lending in Korea are newly guided, and finally both short-term and long-term regulations for P2P lending are systematically suggested.
장환일,오동재,권호식 大韓神經精神醫學會 1995 신경정신의학 Vol.34 No.6
The authors investigated the psychiatric characteristics(the psychological problems and daily-life satisfactions) of 29 living kidney donors before the transplantation. Psychological tests(State-Trait Anxiety Inventory, Beck's Depression Inventory, and Life Satisfaction Scale) were carried out and semi-structured interview forms were distributed 1-2 weeks before renal transplantation. The results were as follows ; 1) The semi-structured interview form concerned with the reasons and types of donor revealed that more than 70%(21/29) donated their kidney by their own free will. As for the donor-recipient relationship, 12 of donors were occupied by his or her parents, 8 by siblings, 3 by children, 1 by spouse, and 3 by distant relatives, respectively. 2) There were no significant differences in the level of anxiety and depression between living kidney donors and the controls. 3) Living kidney donors showed significantly higher satisfaction scale scores in the items of 'health', 'feeling good about your-self', 'being appreciated by others' and 'your home' as compared with the controls. 4) The internally controlled group of living kidney donors showed significantly lower scores on trait anxiety as compared with the externally controlled group. In conclusion, the living kidney donors appear to be not more anxious or depressive than the healthy controls. Furthermore, they rated their daily life satisfactions rather high, and this could be one of the positive impact upon the donors' life following the kidney transplantation. To investigate whether these positive results are sustained after transplantation, further post-transplant follow-up study on the psychological state of the donors is in order.