신용평가제도에 대한 숙명론적 고찰 = Fatalistis considerations regarding the credit rating system

다국어 초록 (Multilingual Abstract)

What does the credit refer to? What measurements should be considered in order to settle the credit society? Being engaged in finance for a long time, I've considered these questions. Credit problems in society are caused by one's financial awareness, the awareness of people in the leadership class, insufficient credit reports of financial institutions, and the disorganized policies of government, all of which exist in our society.
This study raises a lot of doubts regarding credit reports which are conducted by financial institutions when dealing with loans, understanding problems with the Credit Rating System and integrating unmeasured items with fatalistic perspective when quoting credit scores for the Credit Rating Report. A vacant space of Credit Rating System is integrated, which is resulted of the synthesis between research in economics and social reality, with a fatalistic perspective This is done in oder to review the accuracy of credit ratings, reduce insolvent loans and enhance healthy assets. In addition, this paper examines how fatalistic perspectives could unify the contents of credit ratings and studies what the fatalism, the theory of the cosmic dual forces and the five primary substances and the theory of four pillars are. In addition, the goal of this paper is to see whether the theory of the cosmic dual forces and the five primary substances is a credible theory. This study refers to the paper, “The fortune of property contributes to a person's wealth? A analysis on the effect of the four pillar on the income.” Based upon the theories of Chu-yeon, and his principles of the cosmic dual forces and the five primary substances, 60 subjects who are close to defaulting were selected, and classified into consistency or inconsistency categories based on the life equation. The analysis of the results showed there's a positive relationship among 85% of the subjects, or 51 people. Based on these results, loans should be reduced when there are inconsistencies in the unmeasured items of credit reports. When it is inevitable, it should be necessary for both creditor and debtor to deal with a loan after taking action such as reinforcing securities.

목차 (Table of Contents)

• 제1장 머리말 1
• 제2장 신용평가제도 관련 이론
• 제1절 신용평가의 의의
• 1) 신용평가의 정의 3
• 2) 신용평가의 종류 4
• 3) 신용평가의 필요성 5
• 제2절 신용평가의 목적과 기능
• 1) 목적과 기능 5
• 2) 신용등급평가와 주요기능 6
• 제3절 신용평가제도와 관련된 이론
• 1) 지수법 8
• 2) 평점제도 9
• 제4절 국내 금융기관의 신용평가제도 도입 및 변천과정 10
• 제5절 외국 신용평가제도의 현황
• 1) 미국의 신용평가제도 12
• 2) 일본의 신용평가제도 12
• 제6절 신용평가의 문제점과 개선방향
• 1) 신용평가제도의 문제점 13
• 2) 신용평가제도의 개선방안 14
• 제3장 동·서양의 숙명론
• 제1절 동양의 숙명론
• 1) 숙명론의 정의 17
• 2) 천명의 관념 18
• 3) 제자백가 및 기타 사상가의 숙명론
• (1) 제자백가의 숙명론 20
• (2) 기타 사상가의 숙명론 22
• 제2절 서양의 숙명론 24
• 1) 스토아학파의 운명론 혹은 결정론 25
• 2) Thomas Hardy의 소설에 나타난 Fatalism 26
• 제3절 숙명론의 음양오행적 이해
• 1) 음양 28
• (1) 동중서의 음양소식 30
• (2) 회남자의 음양소식 33
• 2) 오행설 33
• 3) 음양오행설의 성립과 발전 33
• 4) 추연의 음양오행설과 숙명론 35
• 제4장 숙명론적 통계분석
• 제1절 명리학의 기본개념
• 1) 일간 39
• 2) 용신 39
• 3) 성격 40
• 4) 가족 41
• 5) 직업 41
• 6) 대운 42
• 제2절 통계분석 및 연구
• 1) 대상자 선정 44
• 2) 연구의 범위와 한계 44
• 3) 통계분석의 주요관점 46
• 제5장 맺음말
• 제1절 연구의 요약 및 의의 47
• 제2절 연구의 한계점 및 향후 연구방안 48
• 參考文獻 68
• 초록(영문) 70