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가상자산거래소에 대한 최근의 규제 동향과 개선과제 -이용자 보호의 측면을 중심으로-
김범준 ( Kim¸ Beom Joon ),이채율 ( Lee¸ Chae Yul ) 홍익대학교 법학연구소 2021 홍익법학 Vol.22 No.3
4차 산업혁명 물결의 가운데서 블록체인과 가상자산은 새로운 지급결제수단과 금융투자상품으로 급부상하였다. 특히, 코로나19의 확산으로 비대면 거래가 활성화 된 이후에는 세계적으로 이를 상용화하기 위한 개발 및 연구가 계속되어 오고 있고, 우리나라도 중앙은 행이 발행하는 디지털 화폐(Central Bank Digital Currency)를 개발하기 위하여 정부와 대기업이 협업하고 있다. 그러나 이러한 디지털 화폐 기술의 전신이라 할 수 있는 가상자산에 관하여는 종래부터 부정적인 정책 기조로 일관하고 있어 가상자산 거래 이용자들이 법적 보호에서 소외되고 있는 실정이다. 2020년, 특정금융정보법이 개정되면서 가상자산사업자의 법적 정의와 신고제도 등이 마련되어 이용자 보호를 위한 입법적 배려가 시작되는 듯 하였으나, 그 내용이 자금세탁방지 등에만 초점이 맞추어져 큰 틀에서의 이용자 피해구제 방안의 마련이 시급한 실정이라 하겠다. 특히, 한국거래소, 한국예탁결제원, 증권금융회사 등으로 그 기능적 역할이 분화되어 있는 기존의 증권시장과 달리 가상자산 시장에서는 거래소가 상장에서부터 예탁, 매매, 결제 등 거의 모든 업무를 수행하고 있어 시장감시 및 상호견제 기능을 기대하기 어려운 상황에 있는 것으로 보인다. 이에 따라 가상자산거래소와 이용자 간 이해상충의 문제가 발생할 가능성이 상존하며, 실제로 부실코인의 상장, 허위 공시, 시세조종행위 등의 불공정거래행위로 인해 심각한 이용자 피해사례가 발생하고 있다. 이에 본고에서는 금융당국이 제시한 가상자산거래소 규제 가이드라인과 특정금융정보법 및 현재 국회에 계류 중인 4건의 가상자산 업권법을 연구목적의 범위 내에서 검토하였으며, 이를 바탕으로 우리나라보다 앞서 가상자산 거래와 이용자 보호 체계를 수립한 미국, EU, 일본의 법제를 분석하여 이상적인 가상자산거래소 규제방안을 도출함으로써 이용자 보호에 기여하고자 하였다. 궁극적으로 국내에서도 이용자의 신뢰를 근간으로 하여 가상자산 거래 전반에 관한 법제가 정비되고, 공적규제를 토대로 한 자율규제 시스템이 구축되어 가상자산 시장 전반의 건전성과 효율성에 기여할 수 있기를 기대해 본다. In the midst of the Fourth Industrial Revolution wave, blockchain and virtual assets have emerged as new means of payment and financial investment instruments. In particular, after the spread of Covid-19, non-face-to-face transactions were activated, the government and large corporations are working together to develop Central Bank Digital Currency issued by the central bank. However, virtual assets, which can be said to be the predecessor of digital currency technology, have always been negative policy tone, leaving users of virtual asset transactions out of legal protection. In 2020, 「Act on Reporting and Utilization of Specified Financial Transaction Information」was revised to establish legal definitions and reporting systems for virtual asset operators, and legislative considerations for user protection began. In particular, unlike the securities market, which has different functions such as the Korea Exchange, the Korea Securities Depository, and the Securities Finance Co., Ltd. In the virtual asset market, virtual asset exchanges carry out all kinds of businesses such as listing, deposit, trading, and settlement, and do not have market monitoring and mutual checks. As a result, there is a high possibility of conflicts of interest between virtual asset exchanges and users, and unfair practices such as listing bad coins, false disclosure, and manipulation of the market are causing economic losses to users. This paper reviewed the regulatory guidelines for virtual asset exchanges proposed by the financial authorities, 「Act on Reporting and Utilization of Specified Financial Transaction Information」, and four separate laws about virtual asset industry currently pending in Congress. Based on this, the U.S., EU and Japan, which have established virtual asset transactions and user protection systems in advance of Korea, are examined to find effective exchange regulations and user protection measures that can be applied to the domestic virtual asset market. Ultimately, it is hoped that the overall legislation on virtual asset transactions will be established based on user trust in Korea, and that self-regulation systems based on public regulations will contribute to the overall integrity and efficiency of the virtual asset market.
Authentic Information on the Back Label of Wine Bottle
Beomjoon Choi,Jaewoo Joo 한국마케팅학회AMJ 2021 ASIA MARKETING JOURNAL Vol.23 No.3
This paper investigates whether including authentic information on the back labels of wine bottles enhances consumers" confidence and purchase intentions about wine; it also assesses the moderating role of involvement and knowledge about wine. We conducted two experimental studies. Study 1 generated three findings. First, when the back label had authentic information, subjects showed higher confidence levels. Second, this effect was hold for subjects with low levels of involvement. Finally, we did not observe this effect for subjects with high levels of involvement. Study 2 extended study 1"s findings and identified the moderated mediation effect of confidence. The findings highlight the important impact on wine choice of authentic information. However, the findings also suggest that authentic information may not be sufficient to attract people with high levels of involvement and knowledge. This study"s findings provide wine producers with practical marketing insights.
Why Do Service Providers Employ Their Face-Shots in Marketing Communications?
Beomjoon Choi,Kissan Joseph,Dennis Rosen 서울대학교 경영연구소 2008 Seoul Journal of Business Vol.14 No.1
From billboards to newspapers, from TV to Yellow Pages, business owners of retail establishments and services frequently include their face-shots in their advertising to the public. Clearly, their face-shot takes up space which, in turn, costs money. Thus, an important question to ask is: are advertisers who include their face-shots receiving a benefit that justifies their cost? Accordingly, in this research, we develop the notion that the utilization of the service provider’s face is able to credibly signal product quality via a bonding mechanism. In particular, we examine if the signaling ability of the face-shot is higher for credence goods, services that typically exhibit higher demand for quality signals. In addition, we also investigate the ability of the face-shot to serve as a logo for the service. Analyzing a dataset containing 3299 yellow pages advertisements culled from seven city-pairs, we find support for the bonding hypothesis but not for the logo hypotheses. Implications for the design of marketing communications are also discussed
Loss Recovery Modeling of TCP Reno over Wireless Links
Beomjoon Kim,Dongmin Kim,Jechan Han,Jaiyong Lee 에스케이텔레콤 (주) 2003 Telecommunications Review Vol.13 No.5
In this paper, we investigate the loss recovery behavior of TCP Reno over wireless links where packets are not always lost due to network congestion. Loss recovery of TCP Reno operates based on two basic algorithms of fast retransmit and fast recovery. We derive the conditions for successful loss recovery of TCP Reno by modeling the window variation during loss recovery accurately. Based on the developed model, the fast retransmit probability of TCP Reno is derived when the pattern of packet losses are random and correlated. Therefore, the performance of TCP Reno can be evaluated from the aspect of the fast retransmit probability. Main findings of our work are 1) loss recovery function of TCP Reno is not effective when multiple packets are lost in a window. 2) Continuity of packet losses as well as packet loss probability can affect the fast retransmit probability. We explain some of these observations in terms of the variation of the average window size and packet loss probability.