퇴직연금에서의 위험자산 선택요인 분석: 사업장 특성을 중심으로

최수정 한국금융정보학회 2023 금융정보연구 Vol.12 No.2

This study aims to examine whether the decisions of employers to invest in risky assets are related to workplace characteristics such as the number of employees, types of industries, and retirement pension types. The study utilizes individual-level data from Individual Retirement Pension Plan (IRP), Defined Contribution Plan (DC), and firm IRP accounts that are self-managed by employers in the workplace. However, individual DB balance cannot be identified because Defined Benefit Plan (DB) accounts are managed by the firm in aggregate. The data was obtained from the Korean Statistical Information Service (KOSIS) for the period 2015 to 2020 through the authorized Microdata Integrated Service (MDIS). Previous literature has documented a peer effect in investing in risky assets, which appears strongly among investors who earn relatively higher disposable incomes and among males. The study finds that employers who work in large-sized and well-compensated firms are more likely to invest in risky assets, particularly male employers who are older, have longer work period, and work in industries requiring a high level of financial literacy. This result indirectly supports the peer effect in choosing risky assets in their retirement pension plan for employers. Interestingly, the study also finds that DB holders are less likely to invest in risky assets through their IRP accounts than DC or firm IRP holders. However, once they start investing in risky assets, the proportion of risky assets relative to the total balance is higher than others. Overall, this study provides comprehensive insights into the determinants of investing in risky assets by employers, utilizing individual-level data and workplace information. 본 연구는 통계청에서 제공하는 승인형 퇴직연금 마이크로데이터(MDIS)를 분석하여 직장정보가 존재하는 개인 IRP 계좌 보유자를 대상으로 사업장 특성이 근로자들의 위험자산 선택과 관련이 있는지 살펴보았다. DB 적립금의 경우 가입자별 계좌 금액이 별도로 보고되지 않지만, DC, 기업형 IRP, 개인 IRP는 가입자별 계좌 잔액이 보고되어 개인 IRP 계좌 잔액만 분석한 최수정(2022)보다 좀 더 폭넓게 개인별 위험자산 투자현황 및 위험자산 선호 여부를 확인할 수 있었다. 본 연구에서 위험자산 금액은 계좌 총 잔액에서 원리금보장형 상품 잔액과 계좌 내 대기성자금을 제외한 원리금비보장(실적배당)형 상품 잔액으로 정의하였다. 개인의 위험자산 선택 여부는 동료의 위험자산 선택 여부에 크게 좌우되며, 이러한 동료효과(peer effect)는 성별 및 연령 요인과 함께 개인이 위험자산을 선택하는 주요한 요인일 수 있으므로 사업장 특성 분석을 통해 위험자산 선택에 있어서 동료효과의 존재를 간접적으로 검토하고자 했다. 기존 연구에 따르면, 가처분소득이 높은 남성들에게 동료효과가 강하게 나타나는데, 본 연구에서도 기업의 규모가 크고 평균소득이 높은 산업군에서 위험자산을 선택하는 경우가 많았고 보유금액도 높게 나타났다. 즉, 근속기간이 길수록, 근로자 연령이 높을수록, 사업장 규모가 클수록, 여성보다는 남성 근로자가 더 위험자산을 선택 및 많이 보유하였으며, 다른 퇴직연금 가입자들에 비해서 DB 가입자들의 경우 평균적으로 개인 IRP 계좌에서 위험자산에 투자하지 않거나 적게 보유했지만, 일단 위험자산을 1원 이상 보유한 경우 위험자산에 더 많이 투자하는 경향이 존재했다.

민속화로서의 민화의 현대적 적용

최수정 한국문화융합학회 2015 한국문화융합학회 전국학술대회 Vol.2015 No.11

지상권의 개정방안

최수정 한국민사법학회 2012 民事法學 Vol.60 No.-

.The Korean Civil Code provides two kinds of superficies, one is contractual and the other is statutory. In addition, the case law has allowed another kind of superficies by customary law. But the contractual superficies is not in good use. Whether through case law or by statute,the application and the use of the superficies have many problems,especially in the execution proceedings, and it has encountered criticism. In 2011 the Third Subcommittee of the Civil Code Amendment Committee reviewed the superficies generally and proposed the draft. First,in the contractual superficies the duration compelled by law should be shortened. Art.280 and Art.281 provide the minium period of the superficies, which is very long in the Civil Code and imposes a heavy burden on the landowner. Art.284 stipulates this period at the renewal of the contract again. But it can't be justified, and should be rescinded. Second, the superficies by customary law should be codified. When a person conveys his land or the building on it without any agreement on the use of the land or the removal of the building, it is enough that the owner of the building be given only a right to bring an action against the landowner for creating the superficies, not the superficies itself by law. Therefore the draft Art.289-3 provide the right to bring an action for creating the superficies. However when the land or the building is transferred in the execution proceedings or such as in which an agreement on the use of the land could not be expected, the owner of the building be given the superficies. So the draft Art.289-4 proposes the general provision on the statutory superficies including Art.366. While this superficies aims to maintain the building, it has the effect corresponding to the institutional intent.

교대 근무 적응을 위한 관리 전략

최수정 대한수면연구학회 2023 Journal of sleep medicine Vol.20 No.1

More than 20% of the industrialized workforce includes shift workers. The misalignment between their work schedules and circadian clock-driven sleep-wake cycles can result in excessive sleepiness during work and disturbed sleep after work. Shift work is associated with various negative health consequences, and workers are at risk for shift work disorder. In this review, we focus on strategies to facilitate shift work adaptation, including medication, light therapy, scheduled sleep and naps, flexible shift schedules, sleep hygiene, and family and social support to promote sleep, wakefulness, and adaptation to the circadian clock. An integrated approach that combines multiple management strategies in contrast to a single approach, can enable more effective shift work adaptation.

금융기관의 내부통제제도 강화를 위한 법적 개선방안 - 은행을 중심으로 -

최수정 한국상사법학회 2011 商事法硏究 Vol.29 No.4

This paper examines the current internal control systems of the financial institutions with the main focus on banks in Korea. Weak risk management and internal control systems have been widely considered as fundamental problems of the global financial crisis from 2007. To address the defects of the risk management and internal control systems, the legislative efforts to improve companies’ corporate governance have been made in many countries. To keep abreast of these global financial regulatory reforms, the Financial Services Commission proposed tentatively named "The Financial Institutions' Corporate Governance Act". In the wake of the financial crisis in 1998, the Korean government enacted new legal initiatives requiring that banks, mutual savings banks,insurance companies, financial investment businesses, and specialized credit financial businesses establish internal control guidelines and procedures, and maintain at least one compliance officer. Nevertheless, the Woori Bank case(2009) and Kyungnam Bank case(2010)reaffirmed deficiencies of the risk management and internal control systems. In September 2009, the Financial Services Commission imposed a harsh penalty on Woori Bank and its former CEO for the bank’s investments in CDO and CDS in excess of its risk tolerance and risk appetite. Weak risk management and internal control systems were identified as key problems in this case. To address these weaknesses, comprehensive risk management systems should be adopted by financial institutions to tackle excessive risk-taking. Banks should establish a board risk management committee and a Chief Risk Officer(CRO). Apart from financial supervisory regulations, there is no current law requiring risk management committees in financial institutions. Given the increasingly important need for risk oversight in financial institutions, risk management committees and CROs ought to be mandated under Banking Act. Risk management committees and CROs would help prevent senior management from taking excessive risks to pursue firms’ short-term performance. To ensure effective risk management and internal control systems, risk management committees should comprise a majority of outside directors.

A Qualitative Case Study on Critical Teacher Education: The Experience of Preservice English Teachers in Korea

최수정 학습자중심교과교육학회 2025 학습자중심교과교육연구 Vol.25 No.4

Objectives This qualitative case study explored a semester-long experience of six preservice English teachers in Korea enrolled in a critically oriented teacher education (TE) course, aiming to understand how they perceived the critical approaches to English language teaching (ELT) and in what ways the class was related to their professional identity development as critical language teachers. Methods Data were collected through class discussions, semi-structured interviews, and reflection papers, and were analyzed qualitatively. Results The findings illustrated that the preservice teachers thought highly of their experience in the class as they began to approach English and ELT completely anew, understanding them as situated within the larger socio cultural and political context and in relation to power and inequality. Becoming aware of disempowering discourses surrounding ELT and their ramifications in the contemporary world, the preservice teachers argued for the need for critical ELT approaches in Korean educational contexts, while carefully considering the practicality of such ap proaches given the exam-driven educational practices prevailing in Korea. Not only did the critical TE class assist them to develop critical consciousness but it also served as a site for them to redefine their role as agents of social change. Conclusions This study draws our attention to the importance of critical TE in the field of ELT, while underscoring the need for further research on critical language TE across diverse contexts, employing various research method ologies and, if possible, incorporating longitudinal studies to deepen our understanding of the possibility of critical pedagogy in language TE.

대지미술에서 해석한 공간적 요소의 조경활동 접목에 관한 연구

최수정,유진형 한국기초조형학회 2008 기초조형학연구 Vol.9 No.5

Since the architectural art-ornaments law began the sculpture for the architecture has caused lots of unsolved problems. The ornaments don't meet the artistic requirements of society and function as a chance for the extension of public art. With its unclear identity the law's producing many inharmonious sculptures don't match the surroundings. Even though people obey the minimized rules of the law due to the cost, there are still complicated and unsolved artical problems. The problem seems to have complicated causes. Through the cause analysis I suggest land art for a candidate to solve the article problem, specially works of Andy Goldsworthy which find and extract harmony from Nature regarding nature not as the object of conquer and control but as circumstance of human. Andy Goldsworthy selects various materials from Nature and adds additional order to the natural chaos and reveals the hidden order. It means artificial order but not the aggressive change of nature in the view of mechanism. His works show that human being just lies in nature as a small piece gives and takes some influences from nature. Such points in his works made people feel an exceptional stimulation, esthetic pleasure and have an expanded view of surrounding. The concepts of his work associated with changeableness and process present the solution to the problems in the architectural ornaments and landscape architecture. Those also expand the concept of landscape architecture and help people accommodate the sculptures around them. Since the architectural art-ornaments law began the sculpture for the architecture has caused lots of unsolved problems. The ornaments don't meet the artistic requirements of society and function as a chance for the extension of public art. With its unclear identity the law's producing many inharmonious sculptures don't match the surroundings. Even though people obey the minimized rules of the law due to the cost, there are still complicated and unsolved artical problems. The problem seems to have complicated causes. Through the cause analysis I suggest land art for a candidate to solve the article problem, specially works of Andy Goldsworthy which find and extract harmony from Nature regarding nature not as the object of conquer and control but as circumstance of human. Andy Goldsworthy selects various materials from Nature and adds additional order to the natural chaos and reveals the hidden order. It means artificial order but not the aggressive change of nature in the view of mechanism. His works show that human being just lies in nature as a small piece gives and takes some influences from nature. Such points in his works made people feel an exceptional stimulation, esthetic pleasure and have an expanded view of surrounding. The concepts of his work associated with changeableness and process present the solution to the problems in the architectural ornaments and landscape architecture. Those also expand the concept of landscape architecture and help people accommodate the sculptures around them.

민간주도 스타트업 자금조달 활성화를 위한 신산업 진입규제 개선

최수정 중소벤처기업연구원 2024 중소기업정책연구보고서 Vol.2024 No.7

Symbolic Violence of the Native Speaker Fallacy: A Qualitative Case Study of an NNES Teacher

최수정 한국영어어문교육학회 2009 영어어문교육 Vol.15 No.3

Taking the issues of inequity and power between NES and NNES teachers as a starting point, this qualitative study explores the way the widespread belief of the native speaker fallacy manifests itself in one NNES teacher’s teaching life and is linked to the teacher’s understanding of herself as an English teacher. Guided by critical applied linguistics (Pennycook, 2001) and using Bourdieu’s (1991) theorization of symbolic violence, I conducted an instrumental case study (Stake, 1995) in an ESL writing class at a US university. I collected data through classroom observations and interviews over a nine-month period and analyzed the data using the constant comparison method (Glaser and Strauss, 1967). The findings illustrate the ways the dominant ideology of the native speaker fallacy works to maintain and reproduce the status quo unequal relation between NES and NNES teachers by making all parties involved believe in the artificial sociocultural arrangements that favor NES teachers as legitimate. The findings direct our attention to the importance of critical teacher education that will enable future TESOL professionals to engage in critical reflection on diverse issues and envision transformative change. The findings, in particular, point to the need for language support for NNES teachers in TESOL teacher education.

거동 장애인을 위한 IoT 기반의 스마트 도어락 연구

최수정,박하영,이상운 한국ITS학회 2017 한국ITS학회 학술대회 Vol.2017 No.10