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        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.

      • SCOPUSKCI등재

        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 $40^{\circ}C$.

      • KCI등재

        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.

      • KCI등재후보

        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

      • KCI등재

        수중로봇 소프트웨어 시스템의 요구사항을 반영한 ROS 기반의 계층화된 소프트웨어 아키텍처의 설계

        이정우,최영호,이종득,윤성조,서진호,Lee, Jung-Woo,Choi, Young-Ho,Lee, Jong-Deuk,Yun, Sung-Jo,Suh, Jin-Ho 대한임베디드공학회 2017 대한임베디드공학회논문지 Vol.12 No.5

        Underwater robots operating in constrained underwater environment have requirements for software systems. Firstly, it is necessary to provide reusable common software components for hardware interface of sensors and actuators that are frequently used in underwater robots. Secondly, it is required to support distributed execution environment on multiple embedded controllers. Thirdly, it is need to implement a monitoring system capable of high-speed and large-data transmission for underwater robots operating in an environment where it is difficult to check the robot status. For these requirements, we have designed the layered architecture pattern and applied several design patterns to enhance the reusability and the maintainability of software components, In addition, we overlaid the broker architecture pattern to support distributed execution environments. Finally, we implemented the underwater robot software system using ROS framework based on the software architecture design. In order to evaluate the performance of the implemented software system, we performed an experiment to measure the response time between components and the transmission rate of the monitoring data, and obtained the results satisfying the required performance.

      • KCI등재

        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.

      • KCI등재

        건설기업 BPM 구현을 위한 업무 프로세스 기반의 업무지원 시스템 연계모델에 관한 연구 -공정관리 업무 프로세스를 중심으로-

        이정우,송영웅,최윤기,Lee, Jung-Woo,Song, Young-Woong,Choi, Yoon-Ki 한국건설관리학회 2009 한국건설관리학회 논문집 Vol.10 No.6

        최근 건설기업은 글로벌 기업경쟁 환경과 수주경쟁 속에서 업무 효율성 증대를 위한 프로세스 경영체제에 대한 노력이 요구된다. 건설기업은 1990년 이후 프로세스 중심의 내 외부 업무구조를 개선하기 위하여 다양한 프로세스 경영기법이 도입되었으나, 그 효과는 일부 개선된 기능획득에 머물고 있다. 또한, 업무 프로세스의 효율성 향상을 위해 다양한 업무지윈 시스템들이 개발되었으나, 기능위주의 개별적 구축과 입 출력 정보 및 데이터 흐름에 초점을 둠으로써 업무프로세스 관리와 정보기술의 지원이 분리되는 업무-IT 분리현상(Business-IT divide)이 발생되었다. 본 연구는 업무-IT 분리현상의 개선 방법론으로서 BPM(Business Process Management)을 구현함으로서, 업무 프로세스를 기반으로 한 업무지원 시스템의 연계모델을 제안한다. 이를 통해 건설기업의 지속적인 프로세스 관리를 지원하며, 프로세스 수행시 요구되는 업무조건(참여주체, 업무정보, 업무지원 시스템의 기능)들을 연계함으로서 업무효율성 향상이 기대된다. 이를 위해 업무-IT분리현상으로 인해 건설기업의 업무 수행상 발생되는 문제점을 분석하여 연계모델의 개념과 아키텍처를 구성하였다. 연계모델의 구현을 위해 공정관리 업무의 전체 종 단간 업무프로세스를 분석하여 BPA(Business Process Architecture)를 작성하였으며, 각 업무 프로세스의 업무조건들을 상세분석하여, 건설기업의 주요 13개 업무지원 시스템의 주요기능과 연계하였다. 연계된 내용을 바탕으로 PDCA분석과 CRUD분석을 통해 업무 프로세스 기반 업무지윈 시스템 연계모델을 개발하였다. Construction companies are trying to apply process management to their business to improve efficiency in business circumstance of high competition and globalization. Since 1990s, construction firms adopted process management to improve internal and external business structure based on process. It however has a few improvement functions. In addition, business support systems for business process efficiency improvement were developed, but separation between business process and IT system occurred because it focused on function-based individual construction and data input/output. To solve this problem, this study proposed business process and IT integration model for supporting user to use business information and system based on visualized business process and improving use of previous business support system. Business efficiency is expected to be improved with this model which based on integration required business condition(stakeholder, business data, functions of business supporting system). This study developved process model, architecture, and BPA of whole construction management business. According to BPA, it analyzed business process stakeholder, detail activities, and input-output data. And also it examined 12 main business supporting system of Korean construction firms. Based on analyzed data, this study developed business process supporting integration model based on business process through PDCA and CRUD analysis.

      • KCI등재

        정상지질혈증을 가진 환자에서 발생한 양측 아킬레스건의 황색종

        이정우,서진혁,서승석,Lee, Jung-Woo,Seo, Jin-Hyeok,Seo, Seung-Suk 대한족부족관절학회 2013 대한족부족관절학회지 Vol.17 No.4

        Xanthoma is a relatively rare soft tissue lesion on the Achilles tendon and is usually associated with hyperlipidemia (lipid metabolism abnormality), mental retardation, cataract and atherosclerotic disease. We report on a case of normolipidemic bilateral Achilles tendon xanthoma without any notable cause. We herein describe the case where we achieved a satisfactory result by subtotal resection.

      • 남녀 유아의 체격과 체력과의 상관 : 유아스포츠단 6세를 중심으로

        이정우,김영훈 한국유아체육학회 2003 한국유아체육학회지 Vol.4 No.-

        본 연구는 경남 스포츠 아카테미 유아스포츠단에 입단한 6세(만 4년 4개월 ∼ 5년 : 3월 기준) 남녀를 대상으로, 체격에서 2개 항목과 체력에서 5개 종목을 측정하여 체격과 체력의 성적을 남녀별로 분석하고 상관관계를 알아 본 결과는 다음과 같다. 1. 신장과 체력과의 상관관계에서 남자는 3월에 25M 달리기(- .294)에서 약간 상관이 있었으며, 11월에 25M 달리기( .377), 윗몸 일으키기( .309)에서 약간 상관이 있었다. 여자는 3월에 25M 달리기(- .625) 한발 중심잡기(- .531), 제자리멀리뛰기( .684), V자 앉기(- .480)에서 확실한 상관이 있었으며, 11월에 25M 달리기(- .412), V앉기(- .313)에서 약간 상관이 있었다. 2. 체중과 체력과의 상관관계에서 남자는 3월에 25M 달리기(- .301), 윗몸 일으키기(. 312), V자 앉기( .331)에서 약간 상관이 있었으며, 11월에 한발 중심잡기( .306)에서 약간 상관이 있었다. 여자는 3월에 25M 달리기(- .491), 한발 중심잡기( .434), 제자리멀리뛰기( .472), V자 앉기(- .452)에서 확실한 상관이 있었으며, 11월에 한발 중심잡기(- .409), 윗몸 일으키기(- .474) V자 앉기(- .621)에서 확실한 상관이 있었다. Selecting, at my option, 44 male children and 33 female children at Kyung-nam Sports Academy kindergarten sports club in Chang-won city. I conducted a survey into correlation between 2 items of physique and 5 items of physical strength. And the results are as follow : 1. On height of physique male children' height show 3.33cm increase as average 101.70cm in March to average 111.03mn in November, whereas female children' height show 4.43cm increase as average 103.70cm in March to average 108.13cm. It means that female's growth is faster than male's one. 2. On weight of physique male children' weight show 1.73kg increase as average 18.68kg in March to average 20.41 in November. Whereas female children' weight show 1.73kg increase as average 17.91kg in March to average 19.64kg in November. 3. On physical strength, male children made an excellent 25m run, sit-ups, standing broad jump, V-form sitting, but female children made an excellent foot balance. 4. On correlation between height and physical strength for male children 25m run(.294) in March and 25m run(.377), sit-ups(.309) in November have a little correlation. For female children, in March 25m run(-.626), foot balance(-.531), standing long jump(.684), V form-sit(-.480) have a distinctive correlation whereas in November 25m run(-.412) and V form-sit (-.313) have a little correlation. 5. On correlation between weight and physical strength for male children 25m run(-.301), sit-ups(.312), V form-sit(.331) in March have a little correlation and foot balance(.306) in November have a little correlation. For female children, 25m run(-.491), foot balance(.434), standing long jump(.472), V form-sit(-.452) in March have a distinctive correlation, also foot balance(-.409), sit-ups(.47), V4 form-sit (-.621) in November have a little correlation.

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