금융소비자의 재무지식수준과 재무설계상담 비용지불의사에 관한 연구

김병태(Byoung Tae Kim),조혜진(Hye Jin Cho),최현자(Hyun Cha Choe) 한국FP학회 2014 Financial Planning Review Vol.7 No.3

본 연구는 금융소비자의 재무지식수준과 재무설계상담 비용지불의사 및 그 영향요인을 통해 유료 재무설계상담에 대한 필요성 인식이 어떻게 생겨나는지에 대한 실증연구이다. 금융소비자들의 금융이해력이 부족하기 때문에 스스로 재무관리가 어려워서 비용을 지불하고라도 재무설계상담을 받으려고 하는 것인지, 아니면 금융역량이 높은 소비자들이 재무설계상담을 비용을 지불할 만큼 가치 있는 재무관리 방법으로 활용하고 있는지를 검증하고자 하였다. 주요 연구결과는 다음과 같다. 첫째. 조사대상자의 주관적 재무 지식수준은 객관적 수준에 비해 상대적으로 자기과소의 경향이 큰 것으로 나타났다. 둘째, 재무설계상담 경험이 있는 사람은 그렇지 않은 사람에 비해 객관적 지식수준에 비해 주관적 지식수준이 상대적으로 매우 높았다. 셋째, 재무설계상담에 대해 비용지불의사가 있는 비율은 전체의 43.3%로 매우 높은 수준은 아니었지만 매년 그 비율은 계속해서 증가하였다. 넷째, 재무설계상담 경험은 객관적 지식수준에는 영향을 미치지 않았으나, 재무설계상담 경험이 없는 사람에 비해 경험이 있는 사람의 주관적 지식수준이 높았다. 객관적 지식수준은 비용지불의사의 영향을 미치지 않았고, 주관적 지식수준이 높을수록, 재무설계상담 경험이 있는 사람이 없는 사람에 비해 재무설계상담 비용지불의사가 높았다. 또한 재무설계상담 경험은 주관적 재무지식수준과 비용지불의사 모두에 중요한 영향 요인이었는데, 재무설계상담 경험이 있는 사람이 비용지불의사(재구매)가 컸다. 본 연구결과를 통해 재무설계상담의 효과성을 입증할 수 있었으며, 향후 재무설계상담이 제도적으로 자리매김하여 재무설계업 또는 금융자문업으로의 성장 가능성이 있음을 검증하고 이에 대한 잠재적 수요기반을 확인하는 기초연구로서 의의가 있다. This study examines the level of financial knowledge level and willingness to pay for financial planning of financial consumer, and identifies the factors that influence those two and the relationships between the level of financial knowledge and the willingness to pay for financial planning services. This study attempts to examine whether consumers" financial capability affects the willingness to pay for financial planning services. That is, this study attempts to identify which consumer groups depending on their level of financial capability are more likely to be willing to pay for financial planning service. The key findings are as follows. First, the level of subjective financial knowledge is largely underestimated relative to the level of objective financial knowledge. Second, those who have financial planninf experience have higher level of subjective financial knowledge relative to their objective financial knowledge. Third, 43.3%, which is not so high percentage, of the respondents reported that they are willing to pay for financial planning services, but the percentage has been continuously increased every year. Fourth, financial planning expericence does not affect the level of objective financial knowledge, but those who have financial planning experiences showed the higher subjective financial knowledge. The financial planning experience is the important factor affecting the level of subjective financial knowledge and the willingness to pay for the financial planning service. Those who have financial planning service experience are more likely to be willing to pay for the financial planning service.

베이비부머 은퇴자의 은퇴적응유형별 기대하는 은퇴기 단계의 지속기간 및 소비수준

김병태 ( Kim Byoung Tae ),최현자 ( Choe Hyuncha ) 한국소비자학회 2018 소비자학연구 Vol.29 No.4

본 연구는 1차 베이비붐 세대를 대상으로 은퇴에 대한 인식의 정도와 은퇴에 대해 가지는 태도에 따라 은퇴 이후 시간의 경과에 따른 기대하는 은퇴기 단계의 지속기간과 각 단계의 소비수준이 차이를 분석하였다. 분석결과 베이비부머 은퇴자의 은퇴적응유형은 미래불안형, 기본생활형, 건강중심형, 사회활동형 및 현재만족형의 5가지 유형으로 분류되었으며, 각 유형은 서로 다른 성향과 특징을 갖는 것으로 나타났다. 은퇴적응유형별로 기대하는 은퇴기 단계의 지속기간에 대해서는 활동기와 간병기에서 유형 간에 차이가 나타났다. 은퇴기간을 30년으로 가정할 때 활동기의 지속기간은 현재만족형, 사회활동형과 기본생활형, 미래불안형, 그리고 건강중심형 순으로 각각 16.5년, 16.1년, 14.2년, 그리고 14.1년을 지속할 것으로 예상하여 전체 은퇴기간에서 활동기가 차지하는 지속기간은 각각 55.0%, 53.7%, 47.3%, 그리고 47.0%로 최대 2.4년(8.0%)의 차이를 보였다. 회상기의 지속기간은 최소 9.8년(기본생활형)과 최대 11년(건강중심형)으로 약 1.2년의 차이가 있으나 적응유형별로 통계적으로 유의한 차이는 나타나지 않았다. 은퇴기의 마지막 단계인 간병기에 대해서는 현재만족형, 사회활동형, 기본생활형, 건강중심형, 미래불안형 각각 3.5년, 3.7년, 4.1년, 4.9년, 그리고 5.3년으로 예상하고 있는 것으로 나타났다. 기대하는 은퇴기 단계에 대해 객관적 주관적 건강상태가 양호한 현재만족형과 사회활동형은 활동기는 길게 그리고 간병기는 짦게 예상하고 있으며, 반대로 객관적 주관적 건강상태가 좋지 않은 미래불안형과 건강중심형은 활동기는 짧게, 간병기는 길게 예상하는 공통된 특징을 보였다. 은퇴기 각 단계에서의 소비에 대해서는 활동기(100)를 기준으로 할 때 회상기때는 평균 67.7% 그리고 간병기에는 평균 57.5%의 소비수준을 희망하고 있는데, 회상기에서는 유형간에 유의한 차이가 있었으나 간병기의 소비수준은 차이가 없었다. 베이비부머 은퇴자의 경우 평균 활동기 지속기간은 15.3년이고 회상기에는 활동기에 비해 소비가 평균 32.3% 감소하므로 이 기간 동안의 연간 감소폭은 평균 2.1%이며, 회상기의 평균 지속기간은 10.3년이고 간병기에는 회상기에 비해 소비가 평균 10.2%p 감소하므로 이 기간에는 전년도에 비해 평균 연간 0.1%p 감소하여 은퇴 이후 활동기, 회상기까지의 전체 은퇴기간 동안 가계의 소비지출이 평균 연간 약 1.7%씩 감소할 것으로 기대하고 있는 것으로 나타났다. The purpose of this study was to investigate the effects of retirement on the retirement age and the duration of retirement phase after retirement according to the perception of retirement and the attitude toward retirement. Consumption level difference was analyzed. The results showed that retirement adaptation patterns of the retirees were classified into five types: future anxiety, basic life style, health-centered type, social activity type and present satisfaction type. The duration of the expected retirement phase for each type of retirement adaptation was different between the types of active and nursing periods. Assuming retirement period is 30 years, the duration of active period is 16.5 years, 16.1 years, 14.2 years, and 14.1 years respectively in the order of satisfaction, social activity type, basic life style, future anxiety type, The duration of the active period in the total retirement period was 55.0%, 53.7%, 47.3%, and 47.0%, respectively, with a maximum difference of 2.4 years(8.0%). The duration of recall was at least 9.8 years(basic life style) and up to 11 years (healthcentered), with a difference of about 1.2 years, but there was no statistically significant difference by adaptation type. The final stage of the retirement phase, the nursing period, is expected to be 3.5 years, 3.7 years, 4.1 years, 4.9 years, and 5.3 years, respectively, for satisfaction, social activity, basic life style, health centered type and future anxiety. The current satisfaction type and the social activity type, which have an objective subjective health status for the expected retirement stage, are expected to have a longer period of activity and a longer period of nursing period. On the contrary, the future anxiety type and health-Shortly, the nursing period showed a common feature that was expected to be long. For consumption at each phase of retirement, the consumption level of 67.7% on the recall and 57.5% on the average during the active period(100) was desired. Consumption levels were not different. Baby Boomer retirees have an average lifetime of 15.3 years and an average of 32.3% reduction in consumption compared to the active period during the recall period. The average annual decrease in this period is 2.1%, the average duration of recall is 10.3 years, Consumption declined by an average of 10.2% p compared to the previous year, so the average annual decrease of 0.1% p over the previous year is expected to reduce the household consumption expenditure by about 1.7% per year during the entire retirement period from retirement to active phase and recall Respectively.

경운횟수와 파종기 이동이 사일리지용 옥수수의 생육특성, 사료가치, 잡초발생 및 가축의 기호성에 미치는 영향

이상무(Sang Moo Lee),김병태(Byoung Tae Kim),황주환(Joo Hwan Hwang),전병태(Byoung Tae Jeon),문상호(Sang Ho Moon) 韓國草地學會 2007 한국초지조사료학회지 Vol.27 No.3

본 실험은 파종시기 및 경운횟수가 옥수수의 생육특성, 건물수량, 영양수량 및 사일리지 기호성에 미치는 영향을 구명하기 위하여 파종시기 및 경운횟수를 통한 5처리(C : 파종 5월 5일, 경운회수 1회, 인력제초 1회, T1 : 파종 5월 12일, 경운회수 2회, T2 : 파종 5월 19일, 경운회수 3회, T3 : 파종 5월 21일, 경운회수 4회, T4 : 파종 6월 2일 경운회수 5회) 3반복으로 2006년 5월부터 2006년 10월까지 상주대학교 부속 실습농장내 사료포장에서 실시하였으며, 그 결과를 요약하면 다음과 같다. 초장과 착수고는 C > T1 > T2 > T3 > T4구순으로 높게 나타났지만 초장에서는 유의적인 차이가 없었으며 착수고에서는 처리구간 유의적인 차이를 보였다(P<0.05). 엽장은 T2가 96.0㎝로 가장 길게 나타났지만 처리구간 유의적인 차이는 나타나지 않았다. 엽폭은 C와 T3구가 (11.2㎝), 고사엽은 C 및 T1구가 각각 4.6엽으로 가장 높게 나타났다. 경의 굵기에 있어서는 T3구가 31㎜로 가장 높았던 반면 T2구가 25㎜로 가장 가늘게 나타났다(p<0.05). 암이삭 둘레는 C(17.1 ㎝) > T1(15.6 ㎝) > T4(15.4 ㎝) > T3 (15.3 ㎝) > T2(15.2 ㎝) 순으로 높게 나타났으며(p<0.05), 암이삭 충실도는 C구가 8.8로서 가장 높았던 반면 T4구가 6.0으로서 가장 낮게 나타났다 (P<0.05). 경의 경도와 알곡 경도는 파종시기가 빠른 순 인 C > T1 > T2 > T3 > T4순으로 나타났다(p<0.05). 그리고 경의 당도는 T1구가 6.1%로 가장 높고, T2구가 3.0%로 가장 낮게 나타났다(p< 0.05). 잡초 발생량은 C구가 500 ㎏/㏊으로 가장 적게 T1구가 44,100 ㎏/㏊로서 가장 높게 나타났으며 (P<0.05), 잡초의 피복도는 T1 > T2 > T3 > T4 > C구순으로 높게 나타났다(p<0.05). 생초수량은 C구가 73,550 ㎏/㏊로서 가장 높았던 반면 T4구가 65,500 ㎏/㏊로서 가장 낮은 수확량을 보였다 (p<0.05). 건물수량에 있어서 는 C(26,978 ㎏/㏊) > T1(26,130 ㎏/㏊) > T2(20,255 ㎏/㏊) > T3(20,255 ㎏/㏊) >T4(17,508 ㎏/㏊)구 순으로 높게 나타났다(P<0.05). 조단백질 함량은 T1 > T4 > T2 > T3 > C구순으로 높았으며(p<0.05), 조지방은 C > T1 > T2 > T3 > T4구순으로 높았다. 상대기 호성은 Holstein, 염소 및 꽃사슴에서는 C구가 가장 높은 기호성을 보였으나 한우에서는 T1구가 가장 높게 나타났다. This experiment was conducted to investigate effect of plowing frequency and sowing dates on the agronomic characteristics, feed value, weed yield and palatability of silage corn. Treatments were a basal treatment(C: May 5 seeding, plowing once, weeding control once), T1(May 12 seeding, plowing twice, weeding control 0 time), T2(May 19 seeding, plowing three times, weeding control 0 time, T3(May 26 seeding, plowing four times, weeding control 0 time) and T4(June 2 seeding, plowing five times, weeding control 0 time). The experiment was performed at the College of Life and Natural Sciences of Sangju University in Sangju in 2006. The plant height and ear height showed highly in order to C > T1 > T2 > T3 > T4 treatment, leaf length was the highest at T2 (96.0㎝). Leaf width and number of dead leaf were the highest at C and T3 (11.2㎝), C, C and T1 (4.6), respectively. Stem diameter was the highest at T3 as 31mm, while T2 was the lowest as 25mm (p<0.05). Ear circle showed highly in order of C > T1 > T4 > T3 > T4 (p<0.05), and tip filling degree was the highest at C treatment as 8.8, while T4 treatment was the lowest as 6.0 (p<0.05). The stem hardness and grain hardness were C < T1 < T2 < T3 < T4 (p<0.05). Stem saccharinity was T1(6.1%) was the highest, while T2(3.0%) was the lowest (P<0.05). Fresh yield of weed was the lowest at C treatment as 500 ㎏/㏊, but T1 treatment was the highest as 44,100 ㎏/㏊ (p<0.05). Weed coverage rate showed highly in order of T1 > T2 > T3 > T4 > C treatment (p<0.05). Fresh yield of corn was the highest at C treatment as 73,550 ㎏/㏊, but T4 treatment was the lowest as 65,500 ㎏/㏊ (p<0.05). Dry matter yield of corn showed highly in order of C(26,978 ㎏/㏊) > T1(26,130 ㎏/㏊) > T2(20,255 ㎏/㏊) >T3(20,255 ㎏/㏊) > T4(17,508 ㎏/㏊) treatment (p<0.05). Crude protein content was T1(7.69%) > T4(7.42%) > T2(6.34%) > T3(5.99%) > C(5.91%) treatment (p<0.05), and Crude fat content showed highly in order of C (2.13%) > T1(2.04%) > T2(1.96%) > T3(1.95%) > T4(1.84%) treatment. Relative palatability of Holstein, Korean native goat and spotted deer was the highest at C treatment, but Korean native cattle was the highest at T1 treatment.

젖소에서 유성분 분석을 통한 우군 건강관리프로그램의 개발

문진산,손창호,이보균,주이석,강현미,김종만,김병태,문현식,Moon, Jin-San,Son, Chang-Ho,Lee, Bo-Kyeun,Joo, Yi-Seok,Kang, Hyun-mi,Kim, Jong-Man,Kim, Byoung-Tae,Moon, Hyun-Sik 대한수의학회 2002 大韓獸醫學會誌 Vol.42 No.4

The purpose of this study was to develope a computer program to help with gross diagnosis of protein-energy balance and feeding management practice and with the prediction about the risk possibility of productive disease such as reproductive and metabolic disorders by evaluating fat, protein, and milk urea nitrogen (MUN) from individual cow milk in dairy herd Somatic cell counts also represent the condition of udder health. The principal flow charts of this program was to check on herd management, sampling the composite milk, analysis the milk composition, conversion of data from milking equipment to program, input and analysis of data in program, and report. This program is compatible with window 95/98 system. The major analytical elements of this program were presented as; the profile of herd lactation curve analysis of the test-day milk production level, the distribution of somatic cell count, the fat to protein ratio to evaluate body energy balance, and the interpretation of dietary protein-energy balance by milk protein and MUN contents for individual cows. This program using milk fat, protein, MUN, and somatic cell counts will serve as a monitoring tool for the protein-energy balance and the feeding management practice, and for distribution of mastitis in individual cows. It will also be used to manage the nutritional and reproductive disorders and mastitis at the farm level.

가족력을 동반한 전신성 홍반성 낭창 1례

유희범,김병태 순천향대학교 1993 논문집 Vol.16 No.2

Systemic lupus erythematosus (SLE) is a disease of unknown etiology that affects many organ system and is characterized by the presence of multiple autoantibodies that participated in immunologically mediated tissue injury. Also, it has been suggested that genetic factors play a role in SLE based on occurance of several cases of SLE within a family. But there is a little report of familial SLE in this country. We experienced a case of SLE accompanied with nephritis and familial history, who was diagnosed by clinical, serologic, immunologic and pathologic evaluation. A 10 years-old female patient was admitted to pediatric ward due to intermittent fever and erythematous rash on face. Sho exhibited malar rash, livedo reticularis and painful swelling on 3rd finger, left. on admission. The hematologic findings revealed anemia on peripheral blood. The urine findings revealed proteinuria, hematuria and granular casts. The results of CRP,VDRL,ANA,Anti-DNA antibody were positive(ANA-homogenous type) and level of C3/C4 was 25/15mg%, Renal biopsy specimen was compatible with diffuse proliferative lupus glomerulonephritis(WHO Class IV). Several months later, her mother was admitted to this hospital due to multiple arthralgia and photosensitivity. On the laboratory findings, anemia, thrombocytopenia and positive ANA were revealed. The clinical and laboratory findings of our patient were improved by "Pulse" methylprednisolone therapy and general supportive measures.

소아에서의 지속성 휴대용 복막 투석의 임상 경험 2례

임창규,이창수,김병태 순천향대학교 1993 논문집 Vol.16 No.2

Although it is generally accepted that renal transplantation provides the optimal therapy for children with endstage renal disease (ESRD) there is still uncertainty regarding the most suitable form of dialysis for children awaiting transplantation or for chronic therapy in children in whom transplantation is not possible or unsuccessful. The therapeutic results of chronic maintenance hemodialysis in children with ESRD have been unsatisfactory because of poor tolerance of the procedure, complications of the intermittent nature of the dialysis, and insufficient growth. Trials of CAPD in pediatric age have been increased with significant therapeutic advantages for children with ESRD. CARD were performed in two male, 11-year and 15-year old patients with ESRD caused by unknown ethology and FSGS

태변 착색아의 임상 통계적 관찰

김영창,김종복,박상철,차학주,이동환,김병태,이상주 순천향대학교 1992 논문집 Vol.15 No.4

Among the total of 3985 newborns delivered at Soonchunhyang University Hospital fron January 1990 to December 1991, a clinical study on meconium stained babies was performed The results are summerized as follows: 1) The incidence of meconium staining was 9.6% (384 cases) in total 3985 newborns. 2) In the groups that the birth weight is below 2500gm, 2501-4000 gm and up to 4001 gm, the incidence of meconium staining was 6.5%, 10.1% and 6.1%. 3) As the gestational age increased, the incidence of meconium staining was higher, 10.0% in those during 38-42weeks, 4.5% in those less than 37weeks and 23.5% in those over 42weeks. 4) The difference of both mean 1 and 5-minute Apgar scores between the meconium and the non-meconium group was significant. 5) The incidence of meconium stained babies was more higher in the group of over 41 year and below 20 year of maternal age than other maternal age and was more prevalent in primipara (12.0%) than multipara(5.8%) . 6) The incidence of meconium staining by mode of delivery was 11.2% in spontaneous vaginal delivery group, 7.1% in the cesarean section delivery group and 1.9% in the breech delivery group. 7) The peripheral blood examination was performed of meconium stained baby, the mean Hb was 18.2±2.5g/dl, the mean WBC count was (20.4±6.8) ×10㎣, the mean nucleated RBC count was 1.6±0.5/100WBC. The positive rate of blood culture was zero. 8) Among the factors of pregnancies or maternal problems, Preeclampsia, Eclampsia, Premature rupture of membrane and Cephalopelvic disproportion were the most risk factors which were associated with meconium staining. 9) The incidence of fetal distress was 26.3% in the meconium stained group compared to 6.1% in the non-meconium stained. 10) There was no difference in neonatal death between the meconium (1.2%) and non-meconium stained group (1.3%).

소아 종양의 빈도에 관한 고찰

김경배,김병태,신상만 순천향대학교 1993 논문집 Vol.16 No.4

The information on the incidence of pediatric tumors in Seoul & Chungnam province would help the management strategy for the children with various benign and malignant tumors. So the authors studied about the incidence of pediatric tumors in Seoul and Chungnam province between Jan. 1981 and June 1992. The results were as follows; 1. The number of malignant tumor was 197, and the number of benign tumor was 223. 2. The sex ratio of male to female was 1.37:1 in malignant tumor & 1.27:1 in benign tumor. 3. The number of cases under the age of 5years was 186, and 6-10yrs age group was 101 and 11-15yrs age group was 133. 4. The annual number was 68 in 1988, 56 in 1989, 52 in 1991, 39 in 1985, 35 in 1984, 33 in 1987 & 1991, respectively. 5. The percentage of leukemia number was 41%(79 cases), CNS tumor was 19%(37cases), Wilms' tumor was 9%(16 cases), lymphoma was 7% (14 cases), germ cell tumor was 5% (10 cases). The main prevalance age of Wilms' tumor, retinoblastoma, neuroblastoma were below 5 yrs old. 6. As for histopathological classification, the most common central nervous system tumor was glioma(36%), and the most common leukemia was ALL (65%) 7. Among 79 leukemia cases, ALL was 52 cases (65%), AML eas 23 cases(29%), CML was 4 cases (6%). Among 37 CNS tumor cases, glioma was 16 cases(36%), medulloblastoma was 10 cases (28%), pinealoma was 2 cases(5%). 8. Among 104 malignant tumor cases, the number of cases with distant metastasis was 23 cases (22%).

Wilms 종양 1례 : effect of preoperative chemotherapy 수술전 화학요법의 효과

김병태,남궁석,이상주 순천향대학교 1992 논문집 Vol.15 No.4

The main strategy of Wilms' tumor treatment is composed of early surgery, followed by postoperative chemotherapy with/without radiation therapy. But when the tumor is too large to be resected, it is desirable to reduce the tumor size preoperatively with preoperative chemotherapy. We experienced a case of Wilms' tumor, which was completely resected after reduction of size with preoperative chemotherapy. The tumor mass had been unresectable because of its too large size. So we report the case with the review of literatures.

소아에서 발생된 후복막강 지방육종 1례

민용식,조대현,김병태,차학주,이상주,양승하 순천향대학교 1992 논문집 Vol.15 No.4

Liposarcoma, the most common retroperitoneal soft tissue malignant tumor in adults, is an infrequent but well characterized tumor in children. The rare occurence of this tumor in patients younger than 18 years of age has resulted in a lack of accurate descriptions of natural history and methods of management in children. Pediatric liposarcoma is characterized by (1) peak incidence during infancy and in early adolescence (2) th extremities to be the most common site of origin (3) a predominance of myxoid histology and (4) lower overall recurrence rate when compared with adult cases Herein we report a case of liposarcoma which developed at retroperitoneum and mesentery in 2 years and 10 month-old male patient with a brief review of the literatures.