[INSIGHT ETF] 재평가받는 일본 증시… 4가지 강세 이유는

배성영 한국경제매거진(주) 2023 한경MONEY Vol.219 No.-

비트코인 수용 결정 요인에 관한 연구

김석환,신은정,배성영,강형구 한국인터넷전자상거래학회 2018 인터넷전자상거래연구 Vol.18 No.3

The purpose of this study is to investigate factors affecting the acceptance, use of technology and concept of encrypted money such as bitcoin, In order to achieve the purpose of the study, we analyzed using statistical package based on 498 valid survey results. As a result, transaction cost, expansion of investment opportunity, compatibility, and anonymity have a significant effect on performance expectation. Expansion of investment opportunities, compatibility, and innovation tend to have a significant effect on spending expectations. Transaction costs, expansion of investment opportunities, compatibility, security, and government policies have a significant impact on social impact. Compatibility, innovation orientation, security, and government policy have a significant effect on promoting conditions. Performance expectation, effort expectation, social influence, facilitation condition have a significant effect on the intention to use bitcoin. Through analysis of mediating effect, it was confirmed that the innovative tendency has mediating effect on the intention to use bitcoin mediated through effort expectation and facilitation condition. The expansion of investment opportunity also confirmed the mediating effect on the intention to use bitcoin through the effort expectation and social influence. Through the analysis of the heuristic control effect, we confirmed that there is the control effect of the usability heuristic on the causal path that affects the intention to use bitcoin from security. We have found that repeated exposure of past information leakage and security incidents affects the intention to use bitcoin. we confirmed that there is the control effect of the representative heuristic on the causal path that affects the intention to use bitcoin from the social influence. We have found that attributes with a representation of the encrypted monetary bitcoin defined by the public affects the intention to use bitcoin. This study suggests that government policy influences social influences and that security has an effect on usability control of bitcoin use intention. The activation of Korea 's encrypted money market is based on clear legal It seems necessary to carry out prior financial supervision administration such as various measures for status granting and transaction process, maintenance of related laws such as taxation The financial authorities confirmed the reasons for actively engaging and supervising the security issues underlying the transaction of encrypted currency such as bitcoin. Through this study, we confirmed the factors and the path of accepting the shocks caused by the development of innovative technology triggered by the development of FinTech. This study is expected to provide implications for academic research and government financial policy for the protection of financial consumers who adapt to the changes of the innovative financial ecosystem and the stable transaction of encrypted currency.

첨단 운전자 보조 시스템 (ADAS)의 혁신 기술 개발을 위한 특허 분석

신예진,설순욱,이강원,배성영 한국엔터프라이즈아키텍처학회 2016 정보기술아키텍처연구 Vol.13 No.1

Advanced driver assistance systems (ADAS) are one of the fastest-growing segmentsin automotive electronics. In order to figure out state-of-the-art technologies and develop innovativeproducts, vehicle manufactures and other related companies often evaluate and analyzepatent documents. In this paper, we propose a patent analysis methodology which enables indepthanalysis for a niche space of ADAS technology development. We first collect 4,319 patentsfrom five countries covering years 1981~2014, and categorize them based on our two-dimensionaltechnology classification. Next, we forecast technology trends in various perspective suchas country, company, technology levels. We then extract and examine top 20 core patents wherekey patent players and innovative technologies may be discovered. Vacant technology forecastingalso provided with respect to top 100 core patent’s clustering. 첨단 운전자 보조 시스템은 자동차 전장 분야에서 가장 빠르게 성장하는 기술 중의 하나이다. 이러한 최신의 기술을 파악하고 혁신 제품을 개발하기 위해서 많은 자동차 제조사와 관련 기업들이특허 문서를 평가하고 분석한다. 본 논문에서는 ADAS 기술 개발의 틈새 영역을 보다 세밀하게 분석하기 위한 특허 분석 방법을 제안한다. 먼저 1981년~2014년까지 5개국에서 출원된 ADAS 관련 특허 4,319개를 검색하고 제안된 2차원 기술 분류를 기반으로 특허를 분류한다. 다음으로 국가별, 기업별, 기술별 특허 동향을 파악하여 향후 기술개발 방향을 예측해본다. 그리고 상위 20개 핵심특허를 도출하고 검증하여 주요 출원인과 혁신 기술이 무엇인지 분석한다. 또한, 상위 100개 특허의 분포를 분석하여 공백 기술을 예측한다.

ISA 해외사례와 시사점에 관한 연구

배경훈(Kyoung Hun Bae),강형구(Hyoung Goo Kang),박근우(Keun Woo Park),배성영(Sung Young Bae),오지열(Ji Yeol Jimmy Oh) 한국증권학회 2019 한국증권학회지 Vol.48 No.2

본 논문은 소득공유형 학자금제도(ISA, Income Share Agreements)의 해외사례와 시사점을 연구하며 금융을 통한 교육 혁신 가능성을 모색한다. ISA 계약을 통하여 투자자는 학자금을 학생에 투자하고 기준 소득 이상을 얻는 학생의 소득 중 일정부분(예: 10%)을 일정기간(예: 10년)동안 수령한다. 기존 국내 연구들은 전통적인 학자금 대출에 집중하나, ISA와 같은 투자형태의 학자금 지원 방안에 대해서는 소홀하다. 투자형태의 학자금지원은 현재 존재하는 학자금 대출 정책과 혼합되어 학생들에게 다양한 파이낸싱 옵션을 제공하여 최적 자본구조(capital structure)를 구성할 수 있게 한다. 투자자들에게도 포트폴리오 다변화 기회를 제공한다. 교육기관이 투자자로 참여할 경우 교육의 질을 스스로 높일 유인도 생긴다. 한편 ISA의 위험공유(risk sharing) 특성은 학생들이 커리어 리스크가 큰 창업, 스타트업, 대학원 등에 진출할 유인을 증가시키고, 이는 경제의 혁신과 성장 잠재력에 기여할 수 있다. 그러나 ISA는 공정성과 정보의 비대칭 문제 또한 존재하는 것이 사실이다. 본 연구에서는 해외의 운용사례와 문헌연구를 통해 국내실정에 맞게 ISA 제도 도입을 위해 필요한 부분에 대해 알아보고자 한다. 이를 위해 본 연구는 (ⅰ) 먼저, 자본형태의 학자금 지원방식이 어떠한 방식으로 활용되고 있는지 예시를 들어 설명한다. (ⅱ) 이 과정에서 ISA의 개요와 장점과 단점을 해외의 연구들을 참고하여 제시한다. (ⅲ) 마지막으로 ISA와 관련된 법안을 기초적으로 소개함으로써 ISA가 적용되기 위한 환경이 어떻게 마련되어야 하는지에 대해 제시한다. (ⅳ) ISA가 도입될 수 있도록 해외 연구 및 운용사례를 통해 국내 도입에 대한 시사점을 제공한다. This study explores various overseas cases of income share agreements (ISAs) and their implications in order to discuss possibilities of enabling educational innovations through finance. Through an ISA contract, the investor provides capital to students, who then shares a set proportion (e.g., 10%) of her future income above a certain threshold over a predetermined period of time. While current studies in Korea focus on traditional means of student financing, studies on equity-based higher education financing such as ISAs have not been forthcoming. This equity-based financing of higher education, when combined with the existing student loan policies, broaden the financing options for the students, enabling them to form an optimal capital structure for their human capital. From an investors perspective, this also contributes toward portfolio diversification. When an educational institution directly participates in an ISA scheme, they are also provided with a greater incentive to improve their own quality of education. In addition, risk sharing properties of ISAs can increase the students’ incentive to progress to high-risk careers such as startups, which can further contribute toward long-term economic growth and stimulate innovation. However, ISAs are not without their own problems, particularly from the perspective of fairness and moral hazard. With this in mind, in this study, we engage in a thorough case study of how equity-based student financing policies are being conducted abroad. First, we provide examples of such equity investment student financing. Second, by engaging in a thorough literature review, we provide an outline as well as both advantages and disadvantages of ISAs. Finally, through a brief introduction of ISA-related legislations, we provide insights on the environment necessary for enabling ISA policies in Korea.