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      • KCI등재

        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.

      • 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.

      • SCOPUSKCI등재
      • KCI등재

        한국사능력검정시험 평가 문항 현황과 개선 방안

        김민정,김미선 역사교육학회 2011 역사교육논집 Vol.47 No.-

        The goal of this study is to examine the legitimacy and credibility of evaluation framework of the Korean History Competency Tests(the Tests, in short) based on the analysis of content and evaluation criteria of test items in the 6-9th Tests. By doing so, we would like to provide productive suggestions for enhancing the Tests as one of the most credible tests for the history competency. The analysis results indicate that the contents of the Test has a tendency to focus on the political history and cultural history as well. More than half of all test items in intermediate and advanced level of the Tests turn out to evaluate the Chosun dynasty and modern-contemporary periods of Korea. While the Tests consist of six evaluation criteria for historical thinking, the most frequent criteria appears to be "understanding of historical knowledge" and the least one "conclusion and evaluation."To enhance the evaluation system of the Tests, we provide several suggestions regarding objective and content criteria and hierarchy of the evaluation content. Furthermore, we emphasize the endeavor to construct test items adequately to the level of the test in the areas of historical periods, themes, and evaluation criteria. We also put emphasis to the need that data related to the evaluation process should be released to professionals who may engage in collaborative efforts to improve the Test system.

      • 장대터널 교통사고 영향요인 분석에 관한 연구

        김민정,김회경,양충헌,김진국 대한교통학회 2022 대한교통학회 학술대회지 Vol.86 No.-

        지속적으로 증가하는 교통수요를 처리하기 위한 수단으로 도로용량의 증가가 가능하다. 기존의 도로건설에 추가적인 용량 증대를 위해서는 터널 등의 교통시설이 불가피하다. 산악지형에 의한 선형을 고려할 경우 터널의 연장이 길어질 수 밖에 없으며 2020년 말 기준 연장 1㎞ 이상의 장대터널은 전국 593개이며 총 연장은 약 1,169㎞에 해당한다. 하지만 이와 같이 긴 연장의 터널에서 발생하는 사고의 피해가 나날이 심각해지고 있어 이에 대한 원인분석과 그 심각성을 완화할 수 있는 방안의 마련이 필요하다. 본 연구는 전국단위의 장대터널에서 발생한 사고를 대상으로 다양한 기준을 통해 사고를 유형화하고 사고에 영향을 미칠 것으로 예상되는 요인들을 순서형 로지스틱 모형으로 분석하고자 한다. 분석 결과, 평일, 안전점검결과 E, 가해차랑 승용차, 차로 수, 안전운전 불이행, 중앙선침범, 터널 폭, 가해운전자 연령 등이 장대터널 교통사고의 심각성에 영향을 미치는 것으로 나타났다.

      • KCI등재

        미국 주 단위 고등학교 역사과 평가 체제의 실제 -매사추세츠 주를 중심으로-

        김민정 역사교육학회 2010 역사교육논집 Vol.44 No.-

        This study aims to explore the possibility of standard-based assessment and to gain insights for enhancing instructional practices and assessment skills for history teachers. To do so, this study paid attention to the case of Massachusetts in the USA, as one of leading states in the educational reform progress and standard evaluation. Since 2003, the Massachusetts Comprehensive Assessment System (MCAS) has been designed to determine every student’s learning competency in public schools. MCAS has been developed on the basis of the History-Social Science Curriculum Framework. Since the History-Social Science Curriculum Framework sets forth learning standards, concepts, and skills, teachers and students are able to anticipate the scope and level of assessment to be prepared. The MCAS includes open-response items as well as multiple-choice items. Open-response items in assessment modules are constructed with significant themes as well as with primary documents assigned in the framework. For this reason, every school district and school cannot but provide sufficient learning opportunity for students to pass the MCAS as a high school graduation requirement. This standard-based assessment system provides lessons for anyone who are interested in the dynamics of standard, curriculum, and assessment. Most of all, fruitful history classes should be built on the robust standards and coursework requirement to meet such standards. Instructional practices in history classroom should guarantee students’ achievement to meet learning competency as identified through the statewide test. Finally, educational bureau at the national or local level should monitor and manage a successful instructional and evaluative system rather than rank schools and students based on the result of the test.

      • KCI등재

        C3H 생쥐에서 아세틸 헥사펩타이드-8 앰플이 피부 탄력 개선에 미치는 효과

        김민정,안은주,조해원,김정희 한국피부과학연구원 2022 아시안뷰티화장품학술지 Vol.20 No.4

        Purpose: Acetyl hexapeptide-8 (AH-8) had been reportedly effective in improving keratinocytes. Ampoules containing AH-8 as an active ingredient were prepared, and their efficacy for improving skin elasticity was evaluated. Methods: Ampoules containing 3% and 5% AH-8 were prepared, and their efficacy was evaluated. C3H mice were pretreated with different AH-8 ampoule concentrations and then irradiated with UVB for 6 weeks. Changes in the number of collagen and elastic fibers from paraffin-embedded skin tissues were quantitatively measured using an image analysis program. Results: Our data showed that the skin of C3H mice with UVB-irradiated markedly decreased the collagen levels compared to the control. Moreover, pretreatment of 3% and 5% AH-8 ampoules on UVB irradiation increased collagen production. Furthermore, the elastin production was decreased in the UVB-irradiated group compared to the control and the elastin level in the skin of C3H mice was similar in both pretreated with 5% AH-8 on the UVB irradiation and control groups. Conclusions: This study has proven that HA-8 ampoules had a high capability of improving elasticity when compared to vehicle ampoule-containing ginkgo leaf and green tea extracts. Moreover, this study revealed the efficacy of AH-8 for increasing skin elasticity in terms of a cosmetic active ingredient. 목적: 아세틸 헥사펩타이드-8 (acetye hexapeptide-8, AH-8)는 세포의 탄력을 촉진시키는 효과가 있음이 보고되었다. 두피 및 피부탄력 효과가 예상되는 AH-8을 사용하여 앰플을 제조하고, C3H 생쥐에서 피부 탄력 개선에 미치는 영향을 평가하였다. 방법: Vehicle, 3%와 5% AH-8을 함유하는 앰플을 제조하였다. CH3 생쥐는 각각 4마리씩 무처치군(Control), UVB 조사군, Vehicle 처치군, 3% AH-8 앰플 처치 후 UVB 조사군, 5% AH-8 앰플 처치 후 UVB 조사군으로 총 5그룹으로 분류하였다. 4주 동안 무처치군을제외한 CH3 생쥐 등피부에 각각의 시료를 매일 처치하고 총 8회 UVB를 노출하였다. 6주 후, 각 그룹별 CH3 생쥐 등 피부 조직을채취한 후 특수염색을 통해 교원질과 탄력섬유의 변화를 비교하였다. 결과: UVB 조사군 피부에서 교원질의 양은 무처치군에 비해감소하엿으나 3%와 5%의 HA-8 앰플 처치군 피부에서는 교원질의 양이 증가하였다. 또한 탄력섬유의 양은 UVB조사군에서는 무처치군에 비해 감소하였으나 5% AH-8앰플 처치군에서는 무처치군과 유사한 정도로 나타나 UVB조사에 의한 탄력섬유의 감소를저해하는 것을 확인하였다. 결론: 대조군에 해당하는 vehicle 앰플은 천연 추출물 원료인 은행나무잎 추출물과 녹차추출물을 함유하였다. 대조군과 비교했을 때, HA-8앰플이 in vivo에서 피부탄력 개선 효능이 우수하게 나타났다. 이러한 결과를 종합하였을 때HA-8은 피부탄력 개선 효능이 우수한 화장품 활성 원료임을 확인하였다

      • KCI등재

        Critical Reflection on Instantiating “Foreign” Theory in the Korean History Teacher Community

        김민정 서울대학교 교육종합연구원 2018 The SNU Journal of Education Research Vol.27 No.4

        This study explored the extent to which a community of history teachers in Korea applied foreign theories, such as Reading Like a Historian, into their classrooms and how they enhanced their theory-driven practice through reflections. The history teachers’ community in Korea has been at the crossroads of multiple types of teacher communities as they need to span learning, inquiry, a sharing of beliefs, and practice groups. The teacher community enables individual teachers to be competent teacher-practitioners engaged with the learning and inquiry cycle as well as with collaborative reflection. The teacher community is a platform on which teachers can assess the applicability of educational theory to local contexts. This observation highlighted the significance of positioning teachers as agencies for the interpretation and application of theory in Korean contexts to develop “Koreanized” learning theory. Therefore, as prosumers of learning theory, teacher communities need to have a firm grounding in the systematic use of protocols and critical reviews of academia when collaboratively transforming educational theory to practice.

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