금융소비자의 비대면 금융생활서비스 이용 및 이용가능성 영향요인

김민정,김민정,박주영 한국FP학회 2022 Financial Planning Review Vol.15 No.1

This is an exploratory study to find ways to improve the financial well-being of consumers in the digital environment. To that end, experience with, and satisfaction from, non-face-to-face financial services, plus self-confidence and reliability were evaluated. In addition, we examine how these characteristics relate to their competency in financial management. The main results of this study are as follows. First, the proportion of those experienced in using simple payment services and mobile remittance services was over 90%. The rates of financial product subscriptions, utility/tax payments, and app card usage were around 80%, with loan services and insurance claims at around 60%. On the other hand, experience with using a household account book service and robo-advisors did not even reach 50%, and with robo-advisors in particular only one person in five had experience using one. Second, from examining those who had used non-face-to-face financial services, satisfaction with mobile remittance services was the highest, and satisfaction with simple payment services, which had the highest usage rate, was moderate. For household account books and robo-advisor services, which had low usage rates, satisfaction was also low. Third, self-confidence with non-face-to-face financial services was higher in younger age groups and college (or higher) graduates who had high subjective income levels, whereas those who had a propensity to consume, and those with a propensity to save, were at appropriate levels. In particular, for mobile remittance services, the difference in self-confidence between inexperienced and experienced users was the greatest. Fourth, differences were examined between financial competencies in financial management according to experience from using non-face-to-face financial services. Financial management knowledge, behavior, attitudes, and skills were found to be higher in those with experience using a service. Fifth, financial management knowledge and skills were found to be factors that increased possibility of using financial services, and financial management behavior was found to have a weak influence. 본 연구는 급속히 변화하는 디지털전환 환경에서 비대면으로 이루어지는 금융생활서비스 이용 경험과 만족도, 자신감과 신뢰감을 평가하고, 이러한 특성이 재무관리역량과어떠한 관계가 있는지를 살펴보았다. 첫째, 비대면 금융생활서비스 경험률을 살펴본 결과 간편결제 서비스와 모바일 송금서비스를 이용한 경험이 있는 비중은 90%가 넘을 만큼 대중화 되어 있는 것을 확인하였고 금융상품 가입과 공공요금/세금 납부, 앱카드 이용률은 80% 내외, 보험금 청구 서비스는 60% 내외로 나타났다. 반면 가계부 서비스와로보어드바이저 이용경험률은 50% 미만이었고, 특히 로보어드바이저의 경우는 5명 중1명 정도만 이용한 경험이 있는 것으로 나타났다. 둘째, 비대면 금융생활서비스 이용 경험자의 만족도가 가장 높은 서비스는 모바일 송금서비스였고 이용률이 가장 높았던 간편결제 서비스의 만족도는 중간 정도였으며 이용률이 낮았던 가계부와 로보어드바이저서비스의 경우는 만족도도 낮게 나타났다. 셋째, 비대면 금융생활서비스에 대한 자신감은 연령이 낮은 집단, 대졸 이상인 경우, 주관적 소득수준이 높은 경우, 소비성향과 저축성향이 적정수준인 경우 더 높게 나타났고 영남권에 거주하는 경우 충청강원권에 거주하는 경우보다 더 높았다. 또한 모든 비대면 금융생활서비스에서 이용경험이 있는 경우자신감이 더 높았고, 특히 모바일 송금서비스의 경우 무경험자와 유경험자 간의 자신감차이가 가장 컸다. 넷째, 비대면 금융생활서비스 이용경험에 따른 재무관리역량 수준의차이를 살펴본 결과, 서비스를 이용한 경험이 있는 경우 재무관리지식, 행동, 태도, 기술이 더 높게 나타난 경우가 많았다. 다섯째, 재무관리역량에 포함되는 지식과 기술은 비대면 금융서비스의 이용가능성을 높이는 요인으로 나타났고 재무관리행동의 경우 약하게나마 이용가능성에 영향을 미치는 것으로 나타났다.

An unusual case of renal cell carcinoma mimicking renal infarction

김민정,김민정,김일영,이동원,이수봉 대한내과학회 2017 대한내과학회 추계학술대회 Vol.2017 No.1

중학생과 대학생의 블로그 이용행태 비교연구

김민정,김민정 啓明大學校 生活科學硏究所 2008 科學論集 Vol.34 No.-

The purpose of this study was to research on the motives and behaviors of Blog utilizing for middle school and college students, who were frequent users of Blog. I tried to find the sub-factors of the Blog using motives, the Blog using behavior, and the reasons for reduced interests toward Blog, and to find the relationships among these factors and the differences between the two groups. And I tried to find the typology based on Blog utilizing motives and behaviors, and to find the characteristics of the types. In order to accomplish objectives, FGI and survey were used simultaneously. From FGI, I improved the questionnaire and the survey was conducted toward 475 male, female middle school and college students in Daegu and Kyungbuk areas. SPSS 14.0 program was used to analyze frequency, cross-tabs, factor analysis, t-test, and K-mean cluster analysis for collected data. The research showed following conclusions. First, I found the 5 factors of Blog utilizing motives, 2 Blog utilizing behavior factors and 3 factors of the reduced interest toward Blog. Second, Blog utilizing motives, Blog utilizing behavior, and reasons for reduced interest have mutual direct influences. Third, by Blog using motive and behavior of participants, cluster analysis was conducted. They were divided into the passive Blog user group and the active Blog user one. Active user group had 236 participants and passive user group had 169. Active user group experienced more disappointment in Blog contents, felt more burdens in management, reduced interest and side effects than passive user. Active user group had higher Blog utilization, higher ratio of female students and more college students.

[경제보도 부문_제128회 이달의 방송기자상] 정부가 만든 법, 정부가 어긴 법 : 〈청약 이자 미지급 사태〉 2019년 5월 21일~24일 보도 SBS, SBS A&T 김민정, 이경원, 정경윤, 최재영, 정혜경, 원종진, 제일 기자

김민정 (사)방송기자연합회 2019 방송기자 Vol.49 No.-

초음파를 이용한 간 섬유화 스캔 검사의 융합 탄성도 측정 평가

김민정,한만석,장재욱 한국융합학회 2017 한국융합학회논문지 Vol.8 No.5

본 연구는 만성 B형 바이러스성 감염 환자의 간 기능 혈액 검사 수치와 간 섬유화 스캔 검사(FibroScan®) 의 비교 분석을 통한 간 섬유화 스캔 검사의 임상적, 기기적 융합 유용성을 평가하고자 하였다. 2015년 7월 1일부터 2016년 2월 28일까지 대전시 B내과에 내원한 만성 B형 바이러스성 감염 환자 75명의 간 섬유화 스캔 검사 결과와 간 기능 혈액검사 수치를 분석 하고 ROC곡선을 작성하였다. 알라닌 아미노전이요소, 아스파르테이트 아미노전이요 소 수치가 각각 0.572, 0.502로 섬유화 수치와 가장 높은 상관관계를 보였다(p<0.000). 감마지티피, 총 빌리루빈, 알칼리성 인산분해효소 수치도 비교적 유의한 상관관계를 보였으나 알파태아단백과 총 단백정량은 통계적으로 유 의하지 않았다. 또한 알부민(-0.449)과 혈소판치(-0.373)도 섬유화 수치와 상관관계가 없었다(p<0.000). 간 섬유화 정도가 높은 등급일수록 ROC 곡선의 정확도가 증가하였으며 F4의 간 경변 단계에서 가장 큰 AUROC값을 나타냈 다. 따라서 간 섬유화 스캔 검사는 만성 간질환 환자의 간 기능 수치인 알라닌 아미노전이요소, 아스파르테이트 아 미노전이요소 수치와 유의한 상관관계를 보여 간의 염증 검사 및 만성 간질환 진단에 매우 유용한 것으로 판단된다. The purpose of this research was to evaluate the clinical and the instrument of convergence utility of transient elastography (FibroScan®:electromagnetic wave) in diagnosing and treating liver ailments through a comparison and an analysis between liver function blood test and transient elastography (FibroScan®) in patients with chronic hepatitis B virus infection. Of all the patients with chronic hepatitis B virus infection who visited clinic B in Daejeon City between July 1, 2015, and February 28, 2016, 75 who underwent a FibroScan® test were selected for this study. Their laboratory and liver function test results were compared for a correlation analysis before constructing an ROC (Receiver Operation Characteristic) curve. Aspartate aminotransferase (AST) and alanine aminotransferase (ALT) levels were 0.572 and 0.502, respectively, and showed highest correlation with fibrosis score, with statistical significance (p<0.000). Gamma glutamyltranspeptidase, total bilirubin, and alkaline phosphatase levels also showed relatively significant correlations in this order of sequence, while -fetoprotein and total protein levels did not show any statistically significant values. Albumin (−0.449) and platelet levels (−0.373) showed negative correlations with each other and no correlation with fibrosis score (p < 0.000). As liver fibrosis worsened, the accuracy of the ROC curve increased. At the F4 stage, which is the cirrhotic stage, the largest area under the curve was observed .FibroScan® showed significant correlation with the ALT (serum glutamic pyruvic transaminase) and AST (serum glutamic oxaloacetic transaminase) levels in the liver function test, which is a routine test for patients with chronic liver ailments. This implies that fibrosis correlates with liver inflammation severity.

사회과 학습부진학생 보정교육 자료

김민정 한국교육과정평가원 2009 교육광장 Vol.34 No.-

張先의 唱和交游詞 고찰

김민정 중앙대학교 외국학연구소 2016 외국학연구 Vol.- No.38

Zhang Xian was a famous Ci poetry writer; without leaving many works in the earlier stage of Northern Song Dynasty, he not only pushed the development of the poetry of the Song Dynasty, but also exerted a tremendous influence on his hometown region’s cultural history. This thesis analyses the characteristics and mood of Zhang Xian’s Ci poetry and presents textual research on the meeting of "Six Men of Letters". Zhangxian’s Ci poetry consists of Ci love poetry, which occupies about two thirds of his work. In t otal, Ci friendly exchange poetry, Ci festival poetry and Ci descriptive poetry. This article discusses the psychological characteristics of zhangxian’s Ci friendly exchange poetry from " The Four Seasons", including theme, emotion memory, and his personality characteristics. The subject consciousness of Zhang Xian’s lyrics is subject matter from daily life, nature scenes and the transition on minds of creation. The utopia indicates zhang xian’s impression of imperfection and feeling lost in life, which are related to his sentimental and vulnerable personality.

국내 살서제 RH-787 중독환자의 실태

김민정,방병기,민병석 대한당뇨병학회 1979 Diabetes and Metabolism Journal Vol.5 No.1

한국-대만 4년제 미용대학의 교육실태 및 학과만족도 비교

김민정,정민주,오윤경 국제보건미용학회 2017 국제보건미용학회 학술컨퍼런스 Vol.2017 No.11

Metabolomics Associated with Genome-Wide Association Study Related to the Basal Metabolic Rate in Overweight/Obese Korean Women

김민정,김진희,김명선,양혜정,이명숙,권대영 한국식품영양과학회 2019 Journal of medicinal food Vol.22 No.5

A previous genome-wide association study (GWAS) on obese/overweight Korean women reported five new genetic loci associated with the basal metabolic rate (BMR) and body mass index (BMI), NRG3, OR8U8, BCL2L2-PABPN1, PABPN1, and SLC22A17. This metabolite GWAS (mGWAS) aimed to identify the key metabolites and metabolic pathways regulated by these genes. Potential metabolic pathways associated with leanness and obesity were identified by detecting metabolites in association with GWAS. Waist circumference, lean body mass, and body fat mass were strongly associated with BMI rather than BMR. However, plasma triglyceride and total cholesterol were significantly higher in obese individuals with low BMR than in lean individuals with high BMR. Upon analyzing NRG3, BCL2L2-PABPN1, and SLC22A17, uric acid, succinic acid, arginine, uridine, and aspartic acid were the metabolites positively associated with obesity. Uric acid and arginine were both identified through general metabolomics targeting of obesity genes classified on the basis of BMI or BMR. Metabolites associated with disruption in beta-oxidation, lipid metabolism, branched-chain amino acid and aromatic amino acid catabolism, the urea cycle, and purine/pyrimidine metabolism play important roles in obesity classified on the basis of either BMI or BMR in middle-aged Korean women. These results further the current understanding of obesity and the predictability of obesity-related risks using mGWAS.