핀테크의 거시적 영향

이정우 ( Jung Woo¸ Lee ) 한국지급결제학회 2020 지급결제학회지 Vol.12 No.2

핀테크는 전통적 금융기관에 어떻게 변화를 가져올까? 세계적으로 핀테크가 확대하는 배경의 하나로서 ‘이용자의 가치관의 변용’을 지적할 수 있다. 현재 핀테크로서 제공되는 서비스의 대부분은 ‘이용자의 요청’으로 제공되어 널리 평가되고 있음을 알 수 있다. 미국 투자은행 골드만삭스에 따르면 향후 5-10년 후 미국 내 총 대출액 중 약 1/3에 해당하는 4조 달러가 대체금융서비스로 제공될 것으로 내다 봤다. 융자 분야에서는 결제 트랜잭션 데이터를 이용한 융자 서비스 이외에도 새로운 서비스가 등장하고 있다. 마켓플레이스 렌딩 크라우드 펀딩(Crowd funding)으로 불리는 핀테크 서비스는 전통적인 금융기관이 제공하는 융자 서비스와 다른 형태로 융자를 해주는 서비스로 주목받고 있다. 일찍이 P2P 렌딩이라고도 불린 이러한 서비스는, 대체로 인터넷을 통해서 투자가·대여자와 차주를 연결시켜(매칭), 불특정 다수로부터 비교적 소액으로 자금을 모으는 것이다. 본고는 우선 우리나라의 핀테크 관련 투자가 위와 같은 외국과 비교해 극단적으로 낮다는 점과 사업투자 펀드와 같은 우리나라에 특유한 신규사업에 대한 투자확대의 가능성을 설명한다. 다음은 금융경제 교육의 필요성과 현황에 대해 밝힐 것이다. 마지막으로 핀테크가 각 경제주체에 미치는 영향을 이론적으로 분석하여 거시경제에 미치는 영향에 대해서는 핀테크의 플러스 효과와 마이너스 효과가 있음을 밝히고 그 파급경로를 설명한다. How will FinTech change traditional financial institutions? As one of the backgrounds that FinTech is expanding globally, it can be pointed out ‘change of users’ values.’ It can be seen that most of the services currently provided as FinTech are provided as ‘requests of users’ and are widely evaluated. According to Goldman Sachs, an investment bank in the United States, in the next 5 to 10 years, about a third of the total amount of loans in the United States, or $4 trillion, will be provided as alternative financial services. In the field of financing, new services are emerging in addition to financing services using payment transaction data. Fintech service, called marketplace lending crowd funding, is attracting attention as a service that provides loans in a different form than those provided by traditional financial institutions. These services, also known as peer-to-peer lending, usually connect investors, lenders and borrowers through the Internet (matching), and collect funds in relatively small amounts from an unspecified majority. First of all, this paper explains that Korea’s FinTech-related investment is extremely low compared to those of foreign countries, and the possibility of expanding investment in new businesses unique to Korea such as a business investment fund. The following will reveal the necessity and status of financial economy education. Finally, the effect of FinTech on each economic entity is theoretically analyzed, revealing the positive and negative effects of FinTech on the macroeconomic impact, and explaining its ripple path.

아미설프라이드로 유발된 고프로락틴혈증: 예비 연구

이정우,박영민,이승환,강승걸,이분희,박은진,Lee, Jung-Woo,Park, Young-Min,Lee, Seung-Hwan,Kang, Seung-Gul,Lee, Bun-Hee,Park, Eun-Jin 한국정신신체의학회 2011 정신신체의학 Vol.19 No.1

연구목적: 고프로락틴혈증은 항정신병약물로 인한 흔한 부작용이다. 그럼에도 불구하고 이러한 고프로락틴혈증에 대한 임상가들의 관심은 적은 편이다. 왜냐하면 고프로락틴혈증으로 인한 부작용의 심각성이 널리 알려지지 않았기 때문이다. 특히 아미설프라이드로 인한 고프로락틴혈증에 대한 국내 연구는 전무한 실정이다. 본 연구에서는 한국인에서의 아미설프라이드로 인한 프로락틴 수치의 변화를 알아보고자 한다. 방 법: 2008년 1월부터 2010년 12월까지 일산백병원 신경정신과의 외래와 입원 환자 24명을 대상으로 의무기록을 검토하여 자료를 분석하였다. 이를 통해 아미설프라이드 사용 전후의 프로락틴 수치의 변화를 비교하였다. 또한 아미설프라이드 용량, 투약 기간과 프로락틴 수치 변화율과의 상관관계를 통계적으로 분석하였다. 결 과: 아미설프라이드를 투여한 모든 환자에서 고프로락틴혈증이 발생하였다. 아미설프라이드 투여 후의 프로락틴 수치는 투여 전 보다 유의하게 상승하였다(z=-3.702, p=0.000). 아미설프라이드 용량과 프로락틴 상승의 정도는 유의한 상관관계를 보였으나(r=0.61, p=0.002), 아미설프라이드 투여 기간과 프로락틴 상승의 정도는 유의한 상관관계를 보이지 않았다. 또한 아미설프라이드 용량과 프로락틴 수치 변화율은 유의한 상관관계를 보이지 않았다. 결 론: 아미설프라이드를 포함한 항정신병약물은 프로락틴 수치를 증가시켜 장 단기간의 부작용을 발생시킬 수 있다. 따라서 아미설프라이드를 사용하는 임상의는 프로락틴 수치를 정기적으로 측정하여야 하며 고프로락틴혈증과 관련된 부작용을 평가하여야 한다. Objective: Hyperprolactinemia is common side effect associated with antipsychotics use. Nevertheless, hyperprolactinemia is relatively neglected by clinician. Especially, there is no study related to amisulprideinduced hyperprolactinemia in korea. This study aimed to determine whether amisulpride can be induced hyperprolactinemia in Korean psychiatric patients. Methods: This study methodology consisted of a retrospective review of medical charts and prolactin levels. Serum prolactin levels were measured in 24 Korean patients(12 males and 12 females) with psychosis who were treated over 400mg of amisulpride per day. Results: All patients had hyperprolactinemia. Prolactin levels significantly increased after receiving amisulpride(z=-3.702, p=0.000). The prolactin level was significantly higher in females($156.29{\pm}63.75$ng/mL) than in males($69.04{\pm}39.91$ng/mL) after administering amisulpride(p=0.000). There was a correlation between dosage and prolactin levels(r=0.61, p=0.002). However, there was no correlation between duration of treatment and prolactin levels. Conclusions: Antipsychotics, especially amisulpride can increase serum prolactin levels and may results in short and long term side effects. Routine clinical assessment of initial and additional prolactin level and associated symptoms should be done

과다 유두(Supernumerary Nipple) 2례

이정우,양정덕,이정훈,최강영,김귀락,정호윤,조병채,Lee, Jeong-Woo,Yang, Jung-Dug,Lee, Jung-Hun,Choi, Kang-Young,Kim, Gui-Rak,Chung, Ho-Yun,Cho, Byung-Chae 대한성형외과학회 2010 Archives of Plastic Surgery Vol.37 No.5

Purpose: Supernumerary nipple or polythelia is one of the developmental anomalies occurring at the embryonic stage and this anomaly usually arises from the milk line. While this atypical feature is determined during early developmental stage, it may not come out obviously or become troublesome until puberty or lactation. Moreover, sometimes it is confused with a pigmented nevus. Methods: Case 1, a 18-year-old woman with intramammary supernumerary breast consisted of another nipple with middle sized areola on the right lower breast was admitted for a $2.8{\times}3.1\;cm$-sized mass on the right breast which was starting appeared 1 year earlier. The preliminary cytological examination of the material obtained by needle aspiration biopsy from the mass was revealed by fibroadenoma with no malignant change. The patient had the surgical excision of the mass and accessory breast. Case 2, a 16 year-old woman admitted for intra-areolar polythelia of the left breast, even she doesn't have any family history of polythelia. Since she wanted surgical correction of her atypical nipple for aesthetic and psychological reasons, we reconstructed the areola using transposition flaps in an S-plasty design. Results: Case 1, the excised supernumerary nipple showed following histological features. In the superficial layer, an acanthotic and hyperpigmented epithelium with elongated rete ridges was found. In the dermis, there were follicles with hairs surrounded by hypertrophic sebaceous glands. In the deepest portion, abundant secretory glomerules and excretory ducts of apocrine gland type were observed. Case 2, follow-up visits 3 months after the procedure showed a satisfactory result with good shape and projection of the nipple. Conclusion: We report two cases of aberrant mammary tissue who underwent surgical correction, including complete breast (with nipple, areola, and glandular tissue) and intra-areolar polythelia according to the Kajava's classification, and the results were satisfactory.

2-HP-β-시클로덱스트린과 메글루민을 이용한 란소프라졸의 포접화합물 제조 및 평가

이정우,김정수,장혜진,이계원,지웅길,Lee, Jung-Woo,Kim, Jung-Su,Chang, Hye-Jin,Lee, Gye-Won,Jee, Ung-Kil 한국약제학회 2004 Journal of Pharmaceutical Investigation Vol.34 No.4

To enhance the solubility and stability of lansoprazole (LAN), new proton pump inhibitor, we were prepared various molar ratio of inclusion complex with $2-hydroxypropyl-{\beta}-cyclodextrin$ (HPCD) and organic alkali agent, meglumine (MEG). Inclusion complex formation of LAN with HPCD was investigated by Differential Scanning Calorimetry and X-ray diffractometry. The aqueous solubilities of inclusion complexes, and the stabilities of 1:4 and 1:5 inclusion complexes in aqueous solutions containing different concentrations of MEG were examined. The stability of 1:5 LAN-HPCD inclusion complex containing MEG, which was equaled to amount of LAN, was performed in 0.9% NaCl and 5% dextrose solution. The formation of inclusion complex of LAN with HPCD was $A_L$ type and the molar ratio of complex was 1:1. The stability constant was $41.557\;M^{-1}$. As molar ratio of LAN to HPCD was increased, solubility of inclusion complex was increased. 1:5 LAN-HPCD inclusion complex was more stable than 1:4 LAN-HPCD inclusion complex. And as contained MEG amount in LAN solution was increased, stability of 1:4 and 1:5 LAN-HPCD inclusion complexes was improved. Also stability of 1:5 LAN-HPCD-MEG inclusion complex in 0.9% NaCl solution and 5% dextrose solution was similar to it in water at room temperature, but it was unstable at $40^{\circ}C$.

논문편 : 도시가정의 소형 전기기구의 구매와 사용관리에 관한 연구 - 전기밥솥 , 전기 프라이 팬 , 토우스터 , 블렌더를 중심으로 -

이정우,이정숙 ( Jung Woo Lee,Jung Sook Lee ) 대한가정학회 1986 Human Ecology Research(HER) Vol.24 No.2

대학부속 한방병원 교직원의 안전활동에 영향을 미치는 요인

이정우,Lee, Jung-Woo 한국병원경영학회 2017 병원경영학회지 Vol.22 No.3

Purposes : The purpose of this study is to identify factors that have effects on safety activities of hospital personnels by investigating causality between patient safety culture, job stress, safety system and safety activities of faculty and staff member who are working for oriental medicine hospital of university. Methodology : The subjects were 246 employees working in 4 oriental medicine hospitals of university in Daejeon and Chungcheongnam-do. The data were collected from January 16 to January 25, 2017 using a structured questionnaire. For data analysis, descriptive statistics, Pearson correlation coefficient, t-test, ANOVA and Duncan test with SPSS 22.0 were used. Findings : The activity score for patient safety of faculty and staff member, who were experienced at job training program after joining a company and regular training course for qualification or license, was meaningfully higher than that of group who had no job training experience. The result indicated that the higher there is level of safety culture and safety system and the lower there is work stress, the more the activity has positive effect on patient safety. The level score of awareness for safety culture of faculty and staff member in C hospital, which is facing financial crisis in business circumstances recently, showed average value of 3.29. It was significantly lower than that of the other three hospital. Also, The activity score for patient safety was markedly lower than that of the other three hospital. This result become interested in the process of linking non-financial performance and financial performance. The level score of safety activity in A hospital which obtained healthcare accreditation was remarkably higher than that of the other three hospital which didn't certify healthcare accreditation. Pratical Implications : Subjects about Q.I or patient's experience management must be included in curriculum of Oriental medicine. It is necessary to get the effect of job training program for faculty and staff member through the process of preparation for obtaining healthcare accreditation. When the hospital director is appointed, it must be considered that he/she has the ability to attach importance to analysis and management of the factors creating safety accident, and has business mindset for healthcare delivery of customer- centricity. This research showed that financial performance of hospital, which of business environment is favorable; located in metropolitan city and having large scale of hospital and quality of residence rating but low-level of safety culture and safety activity, was lower than that of general hospital situated in small and medium-sized cities. More research needs to be done for answering this result.

래시가드 디자인 커스터마이징 서비스 이용에 영향을 미치는 소비자의 추구혜택과 지각된 위험

이정우,장세윤,Lee, Jung-Woo,Jang, Seyoon 복식문화학회 2018 服飾文化硏究 Vol.26 No.4

This research aims to shed a light on the benefits and perceived risks to the willingness to use perceived by consumers, centering on design-customizing service catering to individuals' tastes and needs, and to study their impacts on the use of a design-customizing service. The validation of how benefits and perceived risks affect the intention to use showed that only aesthetic and self-expressive benefits had significant impacts on the willingness to use. However, only time/economic loss and self-design risks had negative impacts on the willingness to use a service. By gender, there was no difference in benefits and perceived risks to willingness to use for the benefit factors, whereas in terms of perceived risks to willingness to use factors. By age, there were also differences in the effects of benefits and perceived risks to purchase on the willingness to use a rash guard customizing service. There were variations in the perceived risks to the willingness to use and benefits depending on age. In particular, it was found that there were no perceived risks to the willingness to use for the age group of 10s. As design-customizing services based on individual tastes have drawn more attention recently, this research on the benefits and perceived risks to purchasing a rash guard design customizing service, as well as their effects on service use (particularly backed up by comparative analysis by gender and age), is expected to provide insights into design-customizing service strategy development.

Fillet Flap Coverage for Closure of Diabetic Foot Amputation

이정우,유환,박재용,Lee, Jung Woo,Ryu, Hwan,Park, Jae Yong Korean FootAnkle Society 2020 대한족부족관절학회지 Vol.24 No.4

Purpose: Minor foot amputations are performed for recurrent or infected ulcers or osteomyelitis of the diabetic feet. Patients may require a large amount of bone resection for wound closure. On the other hand, this results in more foot dysfunction and a longer time to heal. The authors describe fillet flap coverage to avoid more massive resection in selected cases. This study shows the results of fillet flap coverage for the closure of diabetic foot minor amputation. Materials and Methods: This was a retrospective case series of patients who underwent forefoot and midfoot amputation and fillet flap for osteomyelitis or nonhealing ulcers between March 2013 to November 2017. In addition, the patient comorbidities, hospital days, complications, and duration to complete healing were evaluated. Results: Fourteen fillet flap procedures were performed on 12 patients. Of those, two had toe necrosis, nine had forefoot necrosis, and three had midfoot necrosis. Eleven forefoot amputations and three midfoot amputations were performed. Among forefoot necrosis after a fillet flap, three patients had revision surgery for partial necrosis of the flap, and two patients had an additional amputation. Two patients had additional amputations among those with midfoot necrosis. By the fillet flap, the amputation size was reduced as much as possible. The mean initial healing days, complete healing days, and hospital stay was 70.6 days, 129.0 days, and 60.0 days, respectively. Conclusion: The fillet flap facilitates restoration of the normal foot contour and allows salvage of the metatarsal or toe.

가사노동의 사회화 및 관련변인 고찰 - 전문직 취업주부와 비취업주부를 중심으로 -

이정우,이은주 ( Jung Woo Lee,Eun Ju Lee ) 대한가정학회 1992 Family and Environment Research Vol.30 No.1

초.중.고등학교 현상설계 당선안에 나타난 배치 계획 요소 및 경향 분석

이정우,김형진,Lee, Jung-Woo,Kim, Hyung-Jin 한국교육시설학회 2012 敎育施設 Vol.19 No.3

Owing to generalization of design competitions since 1990s, various design methods was tried in elementary middle high school design competitions. Therefore, to analyze design characteristics of elementary middle high school is very meaningful. In this context, this study is the most important purpose for analyzing layout plans and their trends in prizewinners of elementary middle high school design competitions and for furnishing basic datum for next school design. The result of this study is following : (1) The layout patterns of school buildings are classified into 12 types. (2) Entrance design is divided into 6 types(structure, column and wall, open, half structure, general, and mixed type). (3) Square design is grouped into 7 types. (4) Pedestrian mall is sorted out 6 types(straight lineal, curve, curve and square, straight lineal and curve, and straight lineal and curve and square type). (5) Entrance types of vehicle and pedestrian are classified into 4 types(parallel, ㅡ separation, ㄱ separation, and opposite separation type) Analysis shows that the best applying for layout patterns of school buildings is ㄷ type and ㅌ type, for entrance design is structure type, for square design is ${\square}$ type and ${\bigcirc}$ type, for pedestrian mall is straight lineal and square type, and for entrance types of vehicle and pedestrian is parallel type.