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4대강 사업과 금호강의 수질이 낙동강 본류에 미치는 영향에 대한 연구 -강정고령보 공사현장을 중심으로
황삼진 ( Sam Jin Hwang ),배헌균 ( Hun Kyun Bae ),김학윤 ( Hak Yoon Kim ) 한국환경과학회 2013 한국환경과학회지 Vol.22 No.6
In this study, the effects of four major river project and Kumho River, second biggest branch of Nakdong River, were investigated to provide basic data for proper management of Nakdong River`s water quality. Daily sampling processes at three different points, Munsanri (the upper side of Kangjung-Koryung weir), Kangchang (the outlet of the Kumho River) and Samunjin (the lower side of Kangjung-Koryung weir and junction of Kumho River and Nakdong River), were conducted from May 1st 2011 to Sep. 4th 2011. Water samples were analyzed for nine factors, DO, BOD, COD, T-N, T-P, pH, turbidity, SS, and coliform. As demonstrated by the results, concentrations of BOD, T-N, T-P and coliform at Nakdong River were affected by water quality of Kumho River while SS and turbidity were affected by constructions for Kangjung-Koryung weir. Further studies, for example, affects of wastewater treatment facilities, should be followed.
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금융윤리자격 인증제도에 관한 연구 - 해외사례와 국내 도입방안을 중심으로-
정운영,박원주,황삼진 한국금융연구원 2020 기타보고서 Vol.2020 No.1
This study investigated the current state of operating financial ethics certification in major foreign countries as well as the domestic condition of practical implementation of financial ethics, suggesting a certification system of financial ethics qualification suitable for a Korean society. The overseas case study briefed the background of growing interest in financial ethics issues and various efforts to establish an ethical culture in the financial industry (reform of financial regulation system, international cooperation, etc.) in the 2010s, focusing on the U.K. and the U.S. It also examined the current status of the financial ethics qualification system of major institutions that play an important role in the establishment of ethical financial systems in these countries and drew up implications for the domestic introduction of the financial ethics certification system. The background of growing interest in domestic financial ethics issues and various efforts to establish ethical practices in the financial industry were reviewed in a comprehensive manner, including the reform of the financial supervisory system, the implementation of the code of ethics in the financial sector, and the status of financial ethics education. In addition, factors that hinder ethical management in the financial sector were identified, and implications for the domestic introduction of the financial ethical qualification certification system to lay the foundation for institutionalization of financial ethics were drawn. It is expected that activation of the certification system will improve the financial ethics capabilities of all Korean financial stakeholders, as well as giving positive effects on the prevention of financial accidents and productivity of financial company. Moreover, the effectiveness of financial consumer protection will be enhanced by a rapidly spreading trends of rising importance of consumer-oriented values and professional mindset in the financial sector.
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우리나라 금융행복지수 개발을 위한 기초연구 - 해외사례를 중심으로 -
정운영 ( Jeong Woon Young ),이진호 ( Lee Jinho ),황삼진 ( Whang Sam-jin ) 한국금융소비자학회 2020 금융소비자연구 Vol.10 No.2
본 연구는 우리나라 ‘금융행복지수’ 개발을 위한 기초연구로서, 이에 관한 연구가 먼저 시작된 해외 주요국 사례를 고찰하고 추후 우리나라에 적합한 금융행복지수 개발을 위한 시사점을 도출하고자 하였다. 분석결과, 첫째, 주요국은 산발적으로 추진되어 온 금융교육, 금융역량 강화 및 금융행동 개선 등의 정책을 포괄하여 금융행복지수 개발에 대해 논의가 이루어졌다. 둘째, 주요국에서는 금융행복지수와 관련한 용어로 ‘금융웰빙’, ‘금융웰니스’ 등 다양한 용어가 사용되고 있으나 내포하고 있는 ‘금융행복’으로서의 정의는 대동소이한 것으로 파악되었다. 셋째, 금융행복도를 측정하기 위한 주관적 지표 및 객관적 지표의 선택과 조합에 있어 나라별 상이한 것으로 나타났다. 이러한 내용을 토대로 향후 우리나라에서 금융행복지수를 개발하기 위해서는 금융교육을 통한 금융역량의 강화 및 금융행동 개선이 국민의 금융행복 수준을 개선할 수 있다는 포괄적인 관점에서 금융행복의 정의, 구성요소, 결정요인, 개념적 모델, 설문조사 방법 등이 구체화되어야 함을 제언한다. This study provides a basic study for the development of the ‘Financial Happiness Index(FHI)’ in Korea. This study aims to examine the cases of major foreign countries where research on this was first started, and to draw implications for the future development of the FHI suitable for Korea. As a result of the analysis, first, major countries discussed the development of the FHI by covering policies such as financial education, strengthening financial capabilities, and improving financial behavior that have been sporadically promoted. Second, in many countries, various terms such as ‘financial well-being’ and ‘financial wellness’ are used as terms related to the FHI, but the definition of ‘financial happiness’ that is implied was found to be quite same. Third, the selection and combination of subjective and objective indicators to measure ‘financial well-being’ differed from country to country. Based on these contents, in order to develop the FHI in Korea in the future, it is suggested that the definition, components, and decision factors, conceptual models, and survey methods about financial happiness should be specified through a comprehensive perspective that strengthening financial capabilities through financial education and improving financial behavior can improve the level of financial happiness of the people.
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