우리나라 금융소비자의 금융 역량과 금융 웰빙

최철 한국금융소비자학회 2023 금융소비자연구 Vol.13 No.3

Financial education has become more important in that it is essential for proactive financial consumer protection. Strengthening financial capability promotes informed choices and market discipline as well. Financial capability is defined as a combination of specific elements belonging to knowledge, skills, attitude, and behavior. This study aims to evaluate the financial capability and financial well-being of Korean financial consumers in terms of financial satisfaction and life satisfaction. Based on the results of the study, the influence of financial variables such as income, net worth, and retirement preparedness is dominant on financial satisfaction. Financial skills are found to have a positive contribution not only to financial satisfaction but also to life satisfaction. Thus its importance needs to be relatively more emphasized. Since a better financial situation is positively associated with financial satisfaction, differences in financial situation between male and female household heads lead to their different financial satisfaction levels. This is because, on average, female-headed households are lower in household income, net worth, and retirement preparedness. It underlies the importance of financial skills that they are very practical in dealing with actual financial matters. Generally speaking, life satisfaction is influenced not only by financial factors but also by non-financial factors. Although financial skills have a positive impact on financial satisfaction and life satisfaction, they have not been highlighted commensurately so far. Therefore, this particular dimension of financial capability should be considered and reflected in designing detailed methods and tools for financial education in the future. It is indeed so in view of the fact that this capability dimension can be achieved primarily through practical experiential learning over a long period of time. Lastly, in follow-up research, a more comprehensive review of financial well-being needs to be done using a wider range of variables, including non-financial areas.

新羅歌謠 作者에 관련된 한 두 문제

崔喆 연세대학교 국어국문학과 1972 연세국문학 Vol.3 No.-

강원도 어촌(漁村) 부락민의 생활상태 및 풍속사에 관한 연구

최철 연세대학교 인문학연구원 1982 人文科學 Vol.46 No.-

"금기창(琴基昌), 신라문학(新羅文學)에 있어서의 향가론(鄕歌論)

최철 국어국문학회 1993 국어국문학 Vol.- No.110

鄕歌에 관한 均如傳의 해석

崔澈 고려대학교 민족문화연구소 1984 民族文化硏究 Vol.18 No.-

社會保障制度에 관한 考察

崔哲仁 명지대학교 1970 明大論文集 Vol.3 No.-

初等實科敎育의 正常化方案을 위한 實態調査 (其二) : 中學無試驗制後의 市內 國民學校를 對象으로

崔哲仁 서울 敎育大學校 1970 論文集 Vol.3 No.-

李朝小說 讀者에 關한 硏究

崔喆 연세대학교 국어국문학과 1975 연세어문학 Vol.6 No.-

'쓰가루'사과의 연화에 따른 세포벽성분의 변화와 펙틴 및 중성다당류의 가용화와 분해

최철,강인규,Choi, Cheol,Kang, In-Kyu 한국생명과학회 2006 생명과학회지 Vol.16 No.5

'쓰가루' 사과의 연화동안에 일어나는 세포벽 성분의 변화와 펙틴 및 중성당류의 가용화와 분해 정도를 조사하였다. 과실의 연화단계별로 펙틴다당류들을 증류수, 0.05 M CDTA, 0.05 M $Na_2CO_3$, 8 M KOH를 이용하여 분획하였다. Uronic acid (UA) 함량은 과실의 연화가 진행되면서 증류수 가용성 분획에서는 저장 4주후에 급격히 증가하였다. 각 분획별 비섬유성 중성당의 종류를 보면 증류수, 0.05 M CDTA 및 0.05 M $Na_2CO_3$ 가용성분획에서의 주요 구성당은 galactose와 arabinose였으며, 8 M KOH 가용성분획에서는 glucose, galactose 및 xylose였다. 특히 증류수 가용성 분획에서 과실의 연화가 진행되면서 galactose의 함량이 증가되었다. 그리고 증류수 가용성인 물질을 Sepharose CL-2B를 이용하여 uronic acid polymers (UAP)와 carbohydrate polymers (CP)를 분획한 결과를 보면 고분자의 UAP 및 CP가 수확후 과실의 연화가 진행될수록 저분자화 되었다. 고분자 중합물의 양은 과실이 연화됨에 따라 감소하였다. This study was carried out to investigate changes in cell wall components and solubilization and depolymerization of pectin and neutral sugar polymers during softening of 'Tsugaru' apples. Pectic polysaccharides were solubilized in different solvents, distilled-water, 0.05 M CDTA, 0.05 M $Na_2CO_3$, and 8 M KOH, from cell wall materials during fruit softening. The uronic acid contents in distilled-water fraction rapidly increased along with fruit softening at 4 weeks after ambient storage. In the change of non-cellulosic neutral sugars in the cell wall of ‘Tsugaru’ fruits, the major sugar was galactose and arabinose in distilled-water, 0.05 M CDTA and 0.05 M $Na_2CO_3$ soluble fractions, and it was glucose, galactose and xylose in 8 M KOH fraction. Especially the change of galactose contents in distilled-water fraction was increased greatly along with fruit softening. When uronic acid polymers (UAP) and carbohydrate polymers (CP) in distilled-water fraction were filtered and separated using Sepharose CL-2B column, the high molecular UAP and CP were degraded to the low molecular ones from at harvest to softening fruit. Thus, the amount of high molecular polymers were greatly decreased along with fruit softening.

國民學校 實科敎育의 變遷過程과 現行課程에 對한 考察과 展望

崔哲仁 서울 敎育大學校 1977 論文集 Vol.10 No.-

1. Introduction It has become a surprising internal and external matter of concern that our earnest desire has been able to be realized in advance as the government anounced that the export for 10 billion dollars and the income per capita of 1,000 dollars which were due in 1980's have been made to be the end for 1977, the first year of the Fourth Five Year Economic Development Plan, and the income per capita will be enhanced to some 1,300 dollars as formerly scheduled for the year of 1981. The great problems we have now are the educational problems to meet the rapid economic and social development, the maintenance of the continual economic development, the sense of participation in the international society side by side with other developed countries, and the social life fit for the industrialized society. Now. under the government's revitalizing system, we must stay predominant over other nations in this international society, lay emphasis on increasing national power based upon self-support and self-help spirit in order to cope with the changes of the international situation, and promote our national prosperity. Our education had to follow such a proposition of this country and that is why the school curriculums have been reorganized three times since the establishment of our government. It is certain, therefore, that we can promote our educational efficiency by means of studying how our school curriculums have undergone changes making sure that we have attained the educational efficiency our country and society require and finding out what is the most desirable vocational education in the course towards 1980's. 2. The Transition since the Liberation from Japan In the history of our education, it was originated from So Hak Hoe Reyong (the elementary) ordnance proclaimed in 1895 (32nd year of King Gojong of Yi dynasty) and Jung Hak Gwan Jae (the middle school organization of the government) in 1899 (3rd year of King Gwangmu of Yi dynasty) that the subjects belonging to the vocational curriculums were first provided by a modernized school. At that time, the expressions such as "vocational course" and "home economics" were not used, but only as the educational major points, "embroidery" "handicraft" "agriculture" and "commerce" were provided, two of which were compulsory during a se mester. The curriculums of those days includede embroidery, handicraft, agriculture and, what were essential to everyday life, the subjects like knitting and sewing. It was intended to form a good habit of thrift and saving, and finally to develop the ability of making the things essential to everyday life. However, it was not until the Senior High School Ordinance and the Enforcement Ordinance were proclaimed as the Proclamation No. 42 in August 1906 that these subjects reached at the level of a vocational course and this course became to be supported by the Vocational School Ordinance proclaimed as the Proclamation No. 56 in April 1909. After the curriculums proclaimed on August 1, 1955 were enforced, such subjects were at the level of a course as we call today vocational course or home economics course. As the second step, in the revised curriculums proclaimed on February 15, 1963, a great emphasis was placed on abolishing several faults and conservative aspects, promoting productive capacity and overcoming the poverty of our country. In short, the curriculums were revised in order to satisfy the desire of our country and society. 3. A Study and View of the Current Transition As the curriculums mentioned above became difficult to cope with the changes of our social life caused by pur rapid economic development in 1960's and became more difficult in 1970's towards 1980's they were revised again on February 14, 1973. The revision is especially intended to reorganize the importance of the vocational education, and to establish the spirit of independenc, self-support and self-help through industry, thrift and saving on the basis that the basic living attitude should be to love labor even from the time when we begin to receive a basic education. In order to achieve this intention, the revised curriculums provide nine major units of 1970's to the earlier part of 1980's should maintain a higher living and cultural standard, make a foundation of a civilized people joining in the rank of the developped countries in the world, make a living in the modern industrial society our country requires, and satisfy the social demand of manpower. But it must be considered how to make effective use of the educational characteristic aiming at experiments and practical exercises, because the vocational text books used now are simple and cannot take the regional characteristics of vocational education into its account. 4. Conclusion Consequently the present curriculums can be thought to have made a step forward to be systematized in forming an independent unit; so called vocational course. But in order to fortify the social and economic developments, far more fundamental theories and techniques connected directly with our everyday life must be generalized and systematized. And therefore, our school education should be developped on the basis of the scientific life; today's school textbooks should be compiled so as to be evenly applied to the practical living conditions in our cities, interiors and fishing villages; the head teacher system should be set up in order to secure the teachers who take exclusive charge of vocational education; the talent of teachers should be improved by enforcing the special lectures in favor of vocational education. And also self-supporting school system should be extended and every school be converted to a self-supporting school in accordance with its actual circumstances so that school children may have the spirit of hard work, labor and co-operation making the foundation of national integration spirit. School children should be educated to use the daily necessaries by their own making and to be accustomed to the habit of reasonable thrifty living. Above all the systems of junior high school admission without examination and the equalization of senior high school require these kinds of educational effects. Through such educational system, the assignment of the right man in the right place and the reckless competition of entrance examination will be refined, and a sound social development will be secured. What is more, these educational effects will be increased as they are inseparably related to the new-community education.