기술집약적 분야 산업은 영토 내 가용할 수 있는 자원이 극빈한 국가의 주요 성장 동력으로 활용되어질 수 있다. 예로, 한국의 경우 원자력 및 방사선 기술 산업을 고도로 육성시켜 자국 내 에너지 문제의 해결과 원자력발전소 수출 등 국익을 얻을 수 있었다. 반면 기술집약적 분야 산업에 대한 잘못된 정부정책결정에 의하여 국가적 손해가 발생한 경우도 존재한다. 본 연구에서는 기술집약적 산업에 대한 잘못된 정부정책사례를 분석하여 3가지 요인을 도출하였다. 그리고 3가지 모형의 앨리슨모델을 복합적으로 이용하여, 사례분석에서 도출된 3가지 요인의 문제점을 해결할 수 있는 합리적 정책결정 모형을 개발하고자 하였다. 궁극적으로, 본 연구의 결과는 기술집약적 산업에 대한 합리적인 정부정책결정 과정을 위해 향후 활용될 수 있을 것으로 기대한다.

첨단 정보통신기술을 활용한 해양사고 감소를 위하여 국내외적으로 e-Navigation 관련 기술과 서비스에 대한 연구개발이 다양하게 진행 중이다. 이러한 기술과 서비스가 실제로 해상에서 사고예방에 기여하기 위해서는 선박에 관련 장비가 설치되어야 하며 법제적으로도 운영 조직과 시스템이 확충되어야 한다. 특히, 한국형 e-Navigation 사업으로 개발 될 초고속해상무선통신망(LTE-M망) 및 VDES, Digital-MF/HF 등 디지털 통신기술이 실행될 수 있도록 선박에는 관련 통신장비와 기술표준이 조속히 마련되어야 한다. 기존연구는 이러한 LTE-M에 대한 정책방안을 제시하지 못하는 문제점이 남아 있다. 본 연구에서는 한국형 e-Navigation의 효율적인 시행에 필요한 제도와 정책방안을 단기, 중기 및 장기로 나누어 식별하고, e-Navigation 핵심서비스, e-Navigation 통신망 및 운영시스템, e-Navigation 국제표준선도 기술 및 e-Navigation 서비스 활성화 분야에서 구체적인 방안을 제시하였다. 이를 위하여 해양수산부 주도로 추진 중인 한국형 e-Navigation 구축사업의 진도점검 자료에 기초하여 조사와 연구를 수행하였으며 관련분야 실무자 및 전문가들의 자문을 통하여 연구결론을 도출하였다. 본 연구의 결과로 제안된 정책들은 해양사고 저감과 해사산업 진흥 및 국민 안전을 위한 정부의 추가적인 정책 개발에 도움이 될 것으로 기대한다.

이 연구는 파키스탄에서 9/11 테러 이후 외교정책 결정 과정을 추적하기 위해 4단계 "위기에서의 국가 행동 모델"을 적용했다. 그것은 알카에다의 미국에 대한 불길한 공격과 테러에 맞서 싸우기 위한 부시 대통령의 후속 선언이 t1 단계의 세계와 지역의 정치 안보 차원을 변화시켰다고 주장한다. 이웃 국가인 파키스탄의 지원은 테러와의 전쟁에서 불가피했고, 미국은 이슬람 바드의 협력을 얻기 위해 강압적인 외교를 취했다. 결과적으로, 미국의 요구를 수용하지 않을 경우 파키스탄은 국가의 기본 가치/목표에 대한 위협을 인식하고 동시에 시간 압박은 t2 단계에서 의사결정자들의 심리적 스트레스를 증폭시켰다. 따라서 의사결정 포럼은 t3 단계에서 시작되었고 파키스탄은 외교 정책 위기를 완화시킨 t4 단계로 미국에 합류하기로 결정했다.

Introduction Credit card issuers across countries now offer automated payment facilities online to ensure that consumers commit to regular repayments. However, insofar it is unclear whether repayment automation leads to better financial decisions. With an average of $880 billion of revolving debt in the U.S., it is no surprise that policy developers seek to remedy the global credit card debt problem. The current research makes three contributions. First, our study raises public awareness about the negative effects of automated payments on credit card repayments. Contrary to the established assumptions that autopay helps consumers to manage consumer finances (e.g., www.directdebit.co.uk), our experiment unanimously show that autopay facilities reduce the amount of credit card repayment. Second, our study offers a contemporary and relevant insight into the consumers’ online credit card management, which is distinct from its offline counterpart. Specifically, in an online environment, consumers can process information on their credit card and saving almost simultaneously. For example, some consumers may access credit and saving accounts in different browser tabs, while others who own credit and saving accounts from the same institutions may be able to access both accounts within the same webpage. Finally, our study enriches understanding of individual differences in repayment decisions behaviour. Our results indicate that certain attitudinal tendencies to credit cards heightens the effect of autopay on repayment, but this effect is intensified when the context involves those with low level of saving. Conceptual Development The Psychology of Automated Payment Credit cardholders often set up automatic monthly payments to avoid missed payments and incur penalties. The freedom and convenience associated with online banking means that credit card consumers can easily set up automated payment at an amount that they feel comfortable. Consumers can choose any amount ranging from the minimum amount, which is typically is set at 2% of the overall balance, to the full credit card balance. Prior research on goal pursuits suggests that people divide goals into subtasks to experience the motivational benefits of greater self-efficacy (Bandura, 1997). In this case, the use of automated repayment provides a sense of goal progress as it allows repayments to be made in smaller instalments, which in turn, bolsters one’s perception of self-efficacy with respect to the overall goal (i.e. total credit card balance). However, a boosted sense of achievement resulting from subgoal completion may lead consumers to undermine absolute progress towards the overall goal. As such, the subgoal – rather than the superordinate goal – becomes the most salient point of reference for individuals’ motivations towards goal pursuit (Besharat, Carrillat, & Ladik, 2014). Unfortunately, the focus on subgoals can lead to a sense of complacency and reduced persistence towards superordinate goal (Gal & McShane, 2012). Therefore, we expect that the presence of automated repayment cause consumers to focus on the more manageable subgoals (i.e., monthly repayments) rather than the unwieldy superordinate goals (i.e., total credit card balance). In addition, we theorise that the convenience of automated payment removes the salience of the “pain of paying” (Prelec & Loewenstein, 1998) away from future credit card repayment. A key characteristic of credit card expenses is that the “pain” of payment, which provides a nudge for self-reflection and intervention from overspending, is held at bay until the end of the month. However, with automated payment, such deliberation point is subverted to a one-time deliberation. Because automated payment shifts attention away from subordinate goals and reduces the complexity of monthly deliberation, we expect that consumers making automated credit card repayments will commit to less amount of repayment than those making non-automated payments. H1: Automated payment leads to lower repayment amount compared to regular non-automated payment. The Psychology of Credit and Saving Accounts The default setup of many credit card accounts tends to demarcate credit and debit (saving) accounts. For example, consumers may have separate login accounts to access information about their credit and debit accounts. Such financial accounts separation means that consumers also categorise debt and saving into separate mental accounts (Hershfield, Sussman, O’Brien, & Bryan, 2015). Previous research suggests that such erroneous categorization of overall wealth can lead consumers to make financially detrimental decisions, such as taking on high-interest rate debt, while simultaneously holding money in low-interest rate saving account (Sussman & O’Brien, 2015). The absence of overall wealth information in credit card accounts and statements means that people are likely to focus their attention to arbitrary information that may misshape one’s perception of wealth. We therefore expect that the absence of accurate information of financial capability in the form of saving account balance will lead consumers to anchor their repayment decisions on perceived wealth informed by the available credit limit. In contrast, the presence of saving information in credit card account has a direct influence over credit card repayment decision because it represents an accurate picture of one’s overall wealth. Thus, higher (lower) balance of saving account will lead to higher (lower) credit card repayment. We expect that the positive effect of credit and saving account on repayment transcend over the effect of repayment mode (i.e. automated versus non-automated repayment) as it reconciles the consumers’ saving and debt mental accounts. Hence: H2: The amount in saving account influences the amount of credit card repayment. Individual Differences in Susceptibility to Credit Card Debts Prior studies regularly report that credit card as a payment mechanism yield psychological effect on the consumers’ evaluation at the point of purchase. In comparison to more transparent and vivid payment methods such as cash, credit card payments causes consumers to trivialise past payment (Soman, 2001), reduces self-control (Chatterjee & Rose, 2012) and overvalue past income (Soman & Cheema, 2002). However, other studies suggest that consumers exhibit different individual differences in susceptibility to credit card’s psychological effects (Awanis & Cui, 2014; Rick, Cryder, & Loewenstein, 2008). For example, those characterised as spendthrifts, instant gratifiers, low in self-regulation and financial sophistication are likely to emphasise on the bright side of credit cards (i.e., spending/lifestyle facilitator). Consequently, these consumers tend to overspend with their credit cards. We expect that such individual differences in credit card mentality will reflect on the consumers’ repayment habits. Thus, we expect a negative relationship between individual-level susceptibility to credit card debts and repayment amounts. In addition, we also expect that individual differences in credit card debts susceptibility will moderate the relationship between automated payment and repayment decision (H1). Indeed, those who advocate the bright side of credit card (high susceptibility) may appreciate, or even celebrate automated payment facilities, as it makes credit card experience more convenient and worry-free. To this end, we suggest that individual-level differences in susceptibility to credit card debts will moderate the relationship between automated payment and repayment amounts. Furthermore, we propose that such moderated relationship is stronger and consequently more problematic among those with constrained resources (low saving). Specifically, cash-strapped consumers are at risk of placing greater emphasis on the bright side of credit cards to make up for their lack of financial resources. The combined effects of individual susceptibility to credit card effects and the misguided promise of automated payment are likely to lead these individuals to a path of revolving debt. Meanwhile, those with sufficient resources are unlikely to suffer the same extent of indebtedness due to their wealth. Thus, we hypothesise that the moderating effect of individual susceptibility to credit card debts on the relationship between automated payment and repayment amount will differ across those with low and high saving: H3: In low saving conditions, susceptibility to credit card debts moderates the relationship between automated payment and the amount of credit card repayment; in high saving no such moderation effect is expected. Method We conducted a 5 (current account balance) x 2 (payment mode) between-subject experiment involving a hypothetical scenario and repayment decisions. Current account balance has five levels: no account balance information (served as a control condition), $500, $1000, $2000 and $3000 and payment has two levels: autopay and regular payment. Across all experimental conditions, the minimum required payment and credit card balance were kept constant. In total, eight hundreds and nine US credit card users (458 women, 11% were aged 18-44 years, 42% from 25-34 years, 24% from 35-44 years and 23% were aged more than 45 years) were drawn from Amazon Mechanical Turk and were paid $.35 each for participation. Participants were asked to imagine that they had just logged onto their online account where they could see their online credit card statement with a balance of $1.937.28 and a minimum payment of £35.78. This minimum required payment was equal to two-percent of balance. The amount of credit card balance reflects the U.S. average of consumer credit card balance (Salisbury, 2014). Participants were told that they also saw their current accounts (i.e., the amount of money in their debit cards) and were also told that they do not have any other forms of financial obligations. Participants were instructed to indicate the amount of credit card repayment they would make in the light of the information provided in the online statement. We expect that the consumers’ understanding of compounding interest will affect their credit card repayment decisions. Therefore, we controlled for the participants’ financial knowledge, measured using three quiz-style questions following Navarro-Martinez, et al. (2011). Scores were calculated by tabulating the number of correct answers (one score for a right answer and zero for a wrong answer) and points are summed across the three questions to arrive at a single knowledge score. We measure participants’ susceptibility to credit cards effect (SCCE) by a 12-items scale adapted from Awanis and Cui (2014) (Cronbach’s α=0.89). The scale has been found to be invariant across cultures e.g., UK and Singapore. The scale items used a 7-point Likert format (1=strongly disagree, 7=strongly agree). Results and discussions A 5 (account balance) x 2 (payment mode) ANOVA revealed a main effect of current account balance, F(4,755)=61.50, p<0.001, η2=.246, such that higher current account will lead to higher repayment (Mcontrol=$960.64 (SD=53.91), M1=$181.85 (SD=58.08), M2=$390.55 (SD=53.78), M3=$1075.07 (SD=54.71), M4=$1138.45 (SD=51.84), see Figure 1). The ANOVA design also revealed a main effect of autopay vs regular payment mode, F(1,755)=28.44, p<0.001, η2=.04, such that the autopay (Mautopay=619.39, SD=35.17) brought about lower payments than the regular mode (MRegular=879.24, SD=33.72). Therefore, H1 and H2 are supported. Interaction effect of payment mode and susceptibility within low versus high account balance. We then examined the interaction effect of payment mode and susceptibility to credit card debt within three conditions: account balance is lower than the credit balance (high saving) and account balance is higher than the credit balance, and a control condition. We, therefore, recode the five levels of account balance experimental conditions into a dummy variable with three levels: 0 for control, 1 for low account balance and 2 for high account balance. The experimental conditions with account balance lower than the credit balance (i.e., $500 and $1000) is coded as 1 and those with account balance higher than the credit balance is coded as 2, no account balance information presented (i.e., control condition) is coded as 0. We centred the means of SCCE and use a PROCESS macro (Hayes, 2013) to estimate the interaction effect. Within low balance: the moderated regression results revealed the main effect of autopay (b=-233.23, t=-7.46, p=<0.001), main effect of SCCE (b=-43.318, t=13.04, p=<0.001) and interaction effect between autopay and SCCE (b=-81.48, t=25.64, p=<0.001) on credit card repayment. Simple slope analysis reveals that at there were significant differences in the repayment amount between low vs. high SCCE for regular participants (b=-81.70, t==-5.55, p<0.001). In contrast, for autopay participants, the effect of SCCE on credit card repayment is not significant (b=-.21, t=-.01, n.s). Within high balance: the moderated regression results revealed the main effect of autopay (b=-317.39, t=-3.57, p=<0.001) and main effect of SCCE (b=-135.10, t=-3.88, p=<0.001) on credit card repayment. The interaction effect between autopay and SCCE on credit card repayment is not significant p>.5).Within control: the moderated regression results revealed the main effect of autopay (b=-301.69, t=-2.13, p=<0.001) and main effect of SCCE (b=-156.24, t=-2.58, p=<0.001). The interaction effect between autopay and SCCE is not significant p>.5). Figure 2 shows the interaction effect discussed above for the two account balance experimental conditions: low account balance (panel A), high account balance (panel B). Patterns in control condition is similar to panel B. Based on these results, H3 is supported. General Discussion Automated payment is not as virtuous as many have assumed. In fact, autopay facilities encourage may reduce consumers’ long-term goal of debt repayment by craftily shifting attention away from superordinate goals to the more manageable and rewarding subgoals. We recommend that policy developers and practitioners should exercise caution in promoting the use of automated payment to enhance financial management. Such recommendations should come with a set of actionable guides to reduce debt levels in shorter time. Our findings also suggest that separation of many credit and debit accounts means that people tend to categorize debt and saving into separate mental accounts. This affects people’s ability to make informed repayment decisions, which should reflect one’s real ability to pay. Interventions that help people to accurately measure their real financial capabilities are expected to raise their repayment decisions. Therefore, we suggest that policy makers and practitioners reconcile credit card and saving account in a single online platform to enhance the consumers’ repayment decision.

Education policy is a dynamic process featuring social development trends. The world countries have focused their education program on empowering the learners for future life and work. This paper aims to assess the higher education curriculum based on a survey of 280 students, employers, alumni, and lecturers in both social sciences and natural sciences in Ho Chi Minh City, Vietnam. The fuzzy decisionmaking method, namely the Fuzzy Extent Analysis Method (F-EAM), was applied to measure the relative weight of each parameter. Seven factors under the curriculum development have been put in the ranking. Input with emphasis on foreign language was the highest priority in curriculum development, given the expected demand of the labor market. Objective and learning outcome and teaching activities ranked second and third, respectively. The traditional triangle of teaching content, methodology, and evaluation and assessment are still proven their roles, but certain modifications have been defined in the advanced curriculum. Teaching facilities had the least weight among the seven dimensions of curriculum development. The findings are helpful for education managers to efficiently allocate scarce resources to reform the curriculum to bridge the undergraduate quality gap between labor supply and demand, meeting the dynamic trends of social development.

The paper aims to facilitate a discussion around how big data technologies and data from citizens can be used to help public administration, society, and policy-making to improve community’s lives. This paper discusses opportunities and challenges of big data strategies for government, society, and policy-making. It employs the presentation of numerous practical examples from different parts of the world, where public-service delivery has seen transformation and where initiatives have been taken forward that have revolutionized the way governments at different levels engage with the citizens, and how governments and civil society have adopted evidence-driven policymaking through innovative and efficient use of big data analytics. The examples include the governments of the United States, China, the United Kingdom, and India, and different levels of government agencies in the public services of fraud detection, financial market analysis, healthcare and public health, government oversight, education, crime fighting, environmental protection, energy exploration, agriculture, weather forecasting, and ecosystem management. The examples also include smart cities in Korea, China, Japan, India, Canada, Singapore, the United Kingdom, and the European Union. This paper makes some recommendations about how big data strategies transform the government and public services to become more citizen-centric, responsive, accountable and transparent.

우리나라 수해 통계정보를 얻을 수 있는 자료로는 재해연보로서, 시설물 복구비 지원 위주의 단순 통계 집적 관리 목적으로 작성되어 방재정책 수립시 필요한 기본정보로서의 수준이 미흡하다. 반복되는 재해에 따른 피해액과 복구비 등의 국가적 손실을 최소화하기 위해서는 직접피해뿐 아니라 실제 체감할 수 있는 사회·경제 전반에 걸친 재해 정보를 통한 홍수피해 예측으로 타당한 방재 대책을 수립할 수 있는 의사결정 정보가 필요하다. 따라서, 본 연구에서는 수해 통계정보의 현황을 파악할 수 있는 수준평가 방안을 마련하였다. 방재 선진국의 홍수피해 산정을 위한 피해대상항목 및 피해액 도출방법 등의 통계 정보조사 및 브레인스토밍을 통해서 평가지표는 크게 피해조사 항목 적정성과 피해 산정 방법의 정밀도로 구분하고, 세부지표로는 직·간접 피해 정보의 적정성, 공간단위 정밀도, 직·간접피해 산정의 정밀도 등으로 구성하여 국내 수해통계 정보에 적용하였다. 향후 동일한 수준평가 항목을 일본, 미국 등 국외 수해통계 정보에 적용하여 수준을 평가하고, 국내의 수준과 비교분석을 통하여 국내 수해통계의 문제점에 대한 개선방안이 도출된다면 수해정보의 정확도 및 활용성 향상으로 효율적인 방재정책 수립이 가능할 것으로 사료된다.

According to the increase of rural experience, that is important in satisfying needs of green tourism and vitalizing rural economy to use closed school in rural area as experience facility. For using closed school as experience facility, political and institutional assistants are needed in effective equipments and stable operation based on multi-perspective approach and analysis. In this study, we try to evaluate green-tourism accessibility of rural experience facility remodeled from closed school considering regional population and spatial characteristics. In evaluating process, gravity potential model are adapted with considering group size of customer and distance-friction coefficient. Distance-friction coefficient is a function of user restriction which depend on possible activity in each experience facility. Green tourism accessibility of experience facility is calculated with summation of accessibility to each region, and we analyzed it as a group by closed school type and location with application in Chungcheongnam-do. We found a correlation between green tourism accessibility of rural closed school and their income.

이 연구에서는 Fairclough의 비판적 담론분석 모델을 적용하여 서울시 무상급식 정책결정과정에 나타난 정책담론들이 수행하는 역할 및 특성을 규명하는데 목적을 두고 있다. 이를 위해 담론 투쟁과정에서 부각된 담론들에 대한 신문기사의 텍스트 분석을 통해 진보와 보수의 논리를 기술하고, 양자 간 대립하며 전개하고 있는 담론을 해석하였다. 또한, 사회적 실천관계에서는 정책이 형성되는 상황적 맥락과 결정이 이루어지는 제도적 맥락을 살펴보았다. 연구결과에 따른 이 연구의 결론 요약하면 다음과 같다. 첫째, 서울시 무상급식 정책결정과정에서 정책담론들은 진보와 보수 세력들의 정치적 이해관계와 결합하며 논쟁이 된 것으로 볼 수 있다. 둘째, 무상급식 정책결정과정에서의 정책행위자들, 즉 진보와 보수는 자신들의 논리를 정당화하기 위한 다양한 행동전략을 구사했으며 이 과정에서 정책담론이 중심적인 역할을 하였다. 셋째, 서울시 무상급식에 관한 정책결정은 정책행위자들의 이해와 타협에 의한 결정이라기보다는 담론투쟁에 의한 결과라 할 수 있다.

According to the growing concerns of the public with efficiency and effects of regional policies, their assessment works have become an important issue. Up to now, several studies have been carried out on economic effects of policies using conventional cost/benefit analysis, while there have been few studies on assessment of amenity oriented policies. From the above consideration, this study tried to develop An Annual Expenditure Assessment Model (AEAM) for amenity-oriented policy-making in rural area. As a pre-work for model development, the hierarchical indices system for rural development and the classification system of expenditure were designed. Being based on high significant relationship between rural amenities and local government expenditure, a linear optimization model for maximization of regional amenity was constructed. Through a case study of Sunchang-gun, Chonbuk-province, the model applicability was ascertained.