吸頂燈

當前位置:通遼市計算機廠 > 吸頂燈 > 安慶千萬巨有限公司

安慶千萬巨有限公司

發布時間:2021-11-21 06:17:40 來源:通遼市計算機廠 瀏覽:863

安慶FirstViceMinisterofEconomyandFinanceKimYong-beomByParkJae-hyukFirstViceMinisterofEconomyandFinanceKimYong-beomsseriesofrecentmoveshavebeenregardedasapparenteffortstowintheheartoftheMoonJae-inadministration,sothathewillbemadethenextdeputyprimeministerandfinanceminister.Mentionedasoneofthestrongestcandidatesforthenextchiefeconomicpolicymakerduetohislongcareerasacivilservantandhisbirthplace―SouthJeollaProvince―hehascontinuedtoexpandhispresenceinthegovernment,aggressivelygettinginvolvedinvariouspolicies.ButsomegovernmentofficialsseemtohaveanegativeviewonKim,whoisconsideredtohavepushedaheadwithtasksbeyondhiscapacitytofulfillhisambition.Hebecameasingle-houseownerthismonthafterhiswifeunloadedher25percentstakeinahouseinSeodaemun-gu,northwesternSeoul,whichsheandherthreesiblingshadinheritedfromtheirfather,thelategayageumplayerHwangByung-ki.Kimswifegaveherstaketohermother,July9,adaybeforethegovernmentannouncedits22ndrealestatepolicythatseekstoimposeheavierpunitivetaxesonownersofmultiplehouses.Sincethen,hehasonlyownedanapartmentintheaffluentdistrictofSeocho-gu,southernSeoul,jointlywithhiswife.Thedisposalcameastheadministrationorderedhigh-rankinggovernmentofficialstoselltheirextrahomes,aspartofmisplacedeffortstocurbhousingprices.Theviceministerinchargeofmacroeconomicpoliciesincludingthoseonrealestateobeyedthatorderaftertheadministrationbeganmovingtoexcludegovernmentofficialsowningmultiplehomesfrompromotions.Hisnamehasalsomadeheadlinesoverthepastfewmonths,amidthegovernmentseffortstoovercometheeconomicdifficultiesfromtheCOVID-19pandemic.Hehasservedasthebrieferfortheemergencyeconomicpolicymeeting,introducinghimselfasthespokesmanfortheeconomy.Inaddition,hehaspresidedoverthreetofourmeetingsaweekonaverage,becausehehasdirectedmultipletaskforces.Includingthestabilizationofthefacemasksupply,dutiesoftaskforceshehasledrangefromtheKoreanNewDealandpopulationpolicytojobsforthoseintheir40s,corporaterestructuring,thedataeconomy,thebiotechnologyindustryandregulatoryreform.Theviceministerhimselfisawarethatheisleadingtoomanytaskforces,asheoncesaidheisalsoconfusedaboutthenumberoftaskforcesheleads,acivilservantsaidonconditionofanonymity.Hehasdemandedsomeunfeasibletasksandwantstheministrysdirector-levelofficialstobeloyaltohim.ItisuncertainwhetherornotCheongWaDaewillreplaceincumbentFinanceMinisterHongNam-kiaftertheenvisionedreshuffleofpresidentialaidesnextweek.However,Kimhasbeenlongmentionedashissuccessor.Heisoneoftheviceministershavingthelongestcareersingovernment.Hepassedthepublicadministrationexaminationin1986,ayearafterHongpassedtheexam.Sincethen,hehasbuilthiscareerasaninternationalfinancespecialist,workingatthefinanceministry,theWorldBankandtheFinancialServicesCommission.SomeobserverscitedhisgraduationfromDaedongHighSchoolinGwangjuasthereasonforhispossiblepromotion,becausebureaucratswhograduatedfromhighschoolsinthecityhavebeengivenseniorpositionsundertheincumbentadministrationthathaspreferredhiringpeoplefromthesouthwesternregionoftheKoreanpeninsula.AlloftheadministrationsthreefirstvicefinanceministersgraduatedfromhighschoolsinGwangju.FinancialSupervisoryServiceFirstSeniorDeputyGovernorKimKun-ikappointedinJunealsograduatedfromKumhoHighSchoolinthecity.Againstthisbackdrop,therehasemergedspeculationthatafinanceministerfromGwangjucouldbecomearealityunderthisadministration.Ifitactuallyhappens,itwouldbethegreatestnewsforthevicefinanceminister,whohasstruggledwithmultipletasks,apparentlytoachievehislong-awaiteddream.Butifhecontinuestofocusmoreontheadministrationsinterestswithoutmakingeffortstowintheheartsofhisstaffandthepublic,thiscouldbetheworstnewsfortheKoreaneconomy.

千萬HongNam-kiByHongNam-kiThebestwaytopredictthefutureistocreatethefuture.ThisstatementisrightlyreflectiveofourtimeaswebreakthroughtheunprecedentedCOVID-19crisiswhilepreparingagainsttheuncertaintyofthefuture.AfamoussteakhouseinNewYork,PeterLuger,begandeliveryserviceforthefirsttimeinits133yearsofhistory.AnonlineliveconcertofBTSwasbroadcastedinlieuofaliveperformanceonstage,reaching50.59millionviewershipintotal.TheseareonlyafewexamplessuggestingthatCOVID-19hasbroughtaboutchangesinmanyaspectsofourdailylivesandeconomicactivities.COVID-19isnotthefirstpandemicinhistory.ThehistoryofpreviouspandemicssuchastheplagueinthemedievaleraandtheSpanishfluintheearly20thcenturyalreadyprovedhowmankindovercameandtookonestepfurtherthroughthecrisis.Wewillcomeoutofthiscrisisandcreateopportunityfromatimeofcrisisagain.Inthisregard,IwouldliketointroduceKoreasresponsetoCOVID-19andfourpioneeringwaysforwardinthepost-COVID-19era.Bykeepingthenotioninmindthattheeconomywontsustainwithoutproperquarantine,Koreabuildsonatwo-trackstrategy:K-quarantineandK-economicmeasures.Firstofall,K-quarantineisarigorousquarantinesystembasedon4T(Testing,Tracing,Treating,Transparency)+.Theyconsistofrapidtestingwithmorethan20,000conductedperday;fastandtighttracingfornewconfirmedcases;customizedtreatmentinaccordancewiththeseverityofsymptomsandtransparentlydisclosinginformationondailyconfirmedcasesandquarantinestatustoputitshort.Asforthe+,Koreahastakenadvantageofitscutting-edgeICTsuchasCOVID-19onlinetrackingmapandtheSelf-QuarantineSafetyProtectionApp,andintroducedinnovativetestingmethodssuchastheworldsfirstdrive-thrutesting.Furthermore,citizenshipsuchasallcitizenswearingamaskmadeagreatcontributiontothesuccessoftheK-quarantinemodel.Koreaconductedtheexpansionaryfiscalpolicypre-emptively,whichisnotdistinctivefromothercountriesaroundtheworld.However,Koreaexcelledbytakingabalancedmeasurebetweenquarantineandeconomicactivities,andwithoutshuttingdowntheeconomycompletelybasedonK-quarantinesuccess.Inthisway,Koreawasabletominimizetheimpactofthepandemicontheeconomyandreacharelativelybettereconomicperformancewithlessfiscalinput.Nevertheless,itisnoexaggerationtosaythattheresponsetotherealcrisisjustbegan.EminenteconomistMiltonFriedmansaid,Onlyacrisisproducesrealchange.TheCOVID-19pandemicnotonlyposesacrisis,butanopportunityasitsnatureevokesfundamentalandstructuralchangesintheeconomyandsociety.Itisalsoachanceforustounfoldanewfutureasweovercomethechallenges.Inthisregard,IwouldliketointroducefourwaysthatKoreawillmoveforwardtopioneerabetterfutureinthepost-COVID-19era.Thefirstwayisthewayofconnectioninthecontactlessera.Thesocialdistancingandmovementrestrictionsaredemandingnewinnovationtoalternativelyapproachconnectionandcommunication.Torevivetheeconomyinthecontactlessera,theKoreangovernmentisrevisingthecurrentlawsandsystemsthatarebasedonthepremiseofphysicalcontact,andiscarryingoutboldinvestmentsandregulatoryinnovationatthesametime.Thegovernmentisnotonlypursuingasmart,knowledge-basedpathbyprovidingansmartsecretarytothepeoplesservice,butalsoencouragestheprivatesectortoacceleratetheestablishmentofacontactlesseconomicsystem,suchassmartmedicalcareandcontactlesscurrencyexchangebyusing5GandIoT.ThesecondisthewaytowardsaNewDealEconomy,whichwillleadthefuture.InJuly,thegovernmentannouncedthreepillarsofKoreanNewDeal,consistingofDigitalNewDeal,GreenNewDealandSafetyNet.Theso-calledK-NewDealistheNationalDevelopmentStrategytobecomealeadingeconomy.Weplantoinvest160trillionwon($141billion)by2025tocreate1.9millionjobs.KoreawillpursuedigitalinnovationbybuildingthedatadamandbyintegratingD.N.A(Data,Network,AI).Koreawillpromotethetransitiontoalow-carbon,greeneconomybyfosteringthegreenindustryandgreenrenewableenergy.Inaddition,weplantopromotearegionallybalancedNewDealfortherevitalizationofthelocaleconomyandbalancedgrowthatafastpace.Thethirdisthewaytowardsaninclusiveeconomy,forallwalksoflife.Wehavewitnessedthateconomicdamageisevengreateronvulnerablegroups.Itindicatesthatweneedtosecuretheweakestlinksofsociety.Inordertoincorporatecourierworkersandfreelancersintothesocialsafetynet,thegovernmentwillestablishanincomeverificationsystemthatincludesvarioustypesofemploymentandwork.Whileacceleratingdevelopmentofadigitalandnon-contacteconomy,Koreawilladdressthedigitaldivideexperiencedbyvulnerablegroupssuchastheself-employedandsmallbusinessowners.Thisisbecausestrengtheninginclusivenessensuressustainablegrowthinthepost-COVID-19era.Thefourthisthewaytowardsaresilienteconomy,asteadystateeconomyinanycrisis.Wewillexamineinternalandexternalriskswhilereorganizingtheresponsesystem.Thegovernmentplanstomanagehouseholddebtandthehealthoffinancialinstitutionssothatincreasedliquidityduringthecrisisdoesnotbecomearisk.Thegovernmentwillcontinuallyprepareagainststructuralriskssuchasclimatechange,lowbirthrateandagingsociety.Koreawillalsostrengthenthevaluechainsincethevirushasdemonstrateditscapabilitytoimpacttheglobalvaluechain.Thehistoryofhumanityhasbeendottedwithlongfightsagainstdiseasessinceancienttimes,whichhadtriggeredmanysocietalchanges.However,thesefightshavealsoservedasanopportunityforanewera.TheplagueinEuropeduringtheMiddleAgeskilledone-thirdoftheEuropeanpopulation,butitalsoendedtheoldfeudalsystemandpavedthewaytowardstheRenaissance.Koreawilltacklethiscrisisandturnitintoanopportunitytoadvance.Forthistarget,Koreawillpavefourmainwaystowardaconnected,newdeal,inclusiveandresilienteconomytobuildabetterfuture.Hongisdeputyprimeministerandfinanceminister.安慶GettyimagesbankSouthKoreaseconomyreturnedtomodestgrowthinthethirdquarter,markingthefirstquarterlyexpansionsincethecoronaviruspandemicbegan,asexportsshowedsignsofimprovement,theBankofKorea(BOK)saidTuesday.IntheJuly-Septemberperiod,thenationsrealgrossdomesticproduct(GDP)grew1.9percentfromthepreviousquarter,whenitshrank3.2percent,accordingtotheBOKdata.Thethird-quarterreadingmarkedthefastestexpansionsincethefirstquarterof2010.Comparedwithayearago,however,theeconomy,Asiasfourthlargest,contracted1.3percent,theBOKsaid.InAugust,theBOKexpectedSouthKoreaseconomytocontract1.3percentthisyear.Ifthenationmeetsthetarget,theeconomyshouldgrowaround1.5percentinthethirdandfourthquarters.ParkYang-su,headoftheBOKseconomicstatisticsdepartment,toldamediabriefingthatthenationcouldmeetthisyearsgrowthtarget,asthethird-quarterresultswerebetterthanexpected.Also,theeconomycouldcontractlessthanpredictedthisyearifitexpandsbyatleast0.4percentinthefourthquarter,Parksaid.However,thepaceofrecoverymaybemoderateforthetrade-driveneconomybecausenewwavesofcoronavirusinfectionsrecentlygrippedtheUnitedStatesandEuropeannations,Parksaid.Giventheriskfactors,annualgrowthratesarestillintherangeofpreviousprojections,Parksaid.Shortlyafterthedatawasreleased,FinanceMinisterHongNam-kisaidthenationseconomyisontheroadtorecovery,helpedbyrobustgrowthinexports.Theeconomyenteredarecoverypathfornormalizationoftheeconomy,Hongtoldapolicymeeting.Theeconomyisalsoexpectedtoreportanexpansioninthefourthquarter,asadvancednationseasedrestrictionsagainstthepandemic,Hongsaid.Hongsaidthegovernmentwilltakemeasurestoboostlocalconsumptioninthefourthquarter.Duringthethirdquarter,exportsgrewby15.6percent,asoverseasshipmentsofautomobilesandsemiconductorsexpanded,theBOKsaid.Althoughthepandemic-causedtradeslumpeasedasadvancednationsliftedlockdownmeasures,domesticspendingwasstillweakbecauseofaresurgenceofthenewcoronavirusinmid-August.Lastmonth,SouthKoreasawexportsreboundforthefirsttimeinsevenmonthsasmajortradepartnersgraduallyresumedtheirbusinessactivitiesamidthepandemic.Outboundshipmentscameto$48billionlastmonth,up7.7percentfrom$44.6billionpostedayearearlier.Facilityinvestmentrose6.7percenton-quarterinthethirdquarter,theBOKsaid.Privatespendingedgeddown0.1percentinthequarter,whilegovernmentspendinginchedup0.1percent.Thegovernmenthassofarboosteditsbudgetspendingbyatleast67trillionwon(US$59.3billion)withfourbatchesofsupplementarybudgetstoboostthevirus-hiteconomy.Bysector,outputbythemanufacturingindustrygained7.6percenton-quarterinthethirdquarter,aturnaroundfroma8.9percentplungeinthesecondquarter.Outputbytheconstructionsectordipped5.5percentinthethirdquarter,whilethatoftheservicesectorgrew0.7percent.(Yonhap)

安慶千萬巨有限公司

千萬SamsungElectronicsSeochoOfficeBuildinglocatedinsouthernSeoul/YonhapSamsungCTexpectedtoenjoybiggeststockpriceriseamidmarketexpectationsoverincreaseddividendratesByAnnaJ.ParkAslateSamsungChairmanLeeKun-hee―formerlytherichestpersoninKoreaintermsofstockownership―leftbehind18.2trillionwon($16.1billion)worthofsharesinvariousSamsungaffiliates,themarketsattentionisfocusedonwhatwillhappentostockpricesoftheglobalconglomeratesaffiliates.Thedeceasedchairmanowned4.18percentofSamsungElectronicsshares,20.76percentofSamsungLife,2.88percentofSamsungCTand0.08percentofpreferredstocksofSamsungElectronicsaswellas0.01percentofSamsungSDS.Withthehugeamountofstockassetsinherited,thelatechairmansbereavedfamilymembersareexpectedtobeliableformorethan10trillionwonworthofinheritancetax.Eveniftheychoosetopaythetaxinafive-yearinstallmentplan,theyareslatedtopayabout1.8trillionwonannually.安慶SamsungElectronicsViceChairmanLeeJae-yong,left,arriveswithhischildrenatthememorialhallatSamsungMedicalCenterinSeoulwhereamemorialalterissetupforthegroupslateChairmanLeeKun-hee,Sunday.YonhapByBaekByung-yeul,KimYoo-chulSamsungleaderLeeJae-yong,alsoknownasJayY.LeeinEnglish,isalreadyputtinghisgripontheentireconglomerateevenwithoutbeingnamedchairman.ItsunknownwhetherthejuniorLeewilltakeupthechairmantitle.Intermsofthetitle,atleast,itdoesntappeartomatterbecauseSamsungElectronicsViceChairmanLeehasbeenquitesuccessfulintermsofbothexternalandquality-drivencorporategrowth,strikingsomebigoverseasacquisitionsandaddressingkeylegalissuessuchastheclosureofitsblockbusterpatentbattlewithApple.Lee,whohasanundergraduatedegreefromSeoulNationalUniversity,amastersfromJapansKeioUniversity,andstudiedatHarvardBusinessSchool,hasbeenactiveinexploringfuturebusinessmodelsandwaystofurtherstrengthenbusinessesthatSamsungalreadyhasacompetitiveadvantagein―memorysemiconductors,smartphonesanddisplays.Butanalystssaythepointisthatheisaskedtopursuedifferentpathwaystohelpthegroupadvancetothenextlevel.ThisdoesnotmeanthatSamsungshouldfocusonseekingexternalgrowth,astodaystechnologyindustryisseeingvisiblesignsofcollaborationandafocusonimprovingoverallbusinessperformances,inadditiontoinnovationandcorporatesustainability.UndertheseniorLeesleadership,Samsungroseasatop-levelglobaltechnologybrand.WhiletheseniorLeehadbeenconsistentindeliveringthegroupsvisionfocusedonpromotingthebesttechnology,thenewleaderstaskishowtoarticulateandfine-tuneitsalready-gottenstrengthsinaccordancewithalong-termstrategy.WewillmoveforwardwithitandIamquiteconfidentViceChairmanLeeisacknowledgedforthis,aseniorSamsungexecutivetoldTheKoreaTimes,Monday.Giventhevicechairmansrichglobalnetwork―heisknowntohaveaconstructiverelationshipwithkeyfinanciersandthoseinthetechindustryincludingTimCookatApple―LeeistaskedwithpresentingadetailedcorporatevisiononhowSamsungwilladvancewithgreateropenness.千萬FinancialServicesCommissionChairmanEunSung-soo,left,andFinancialSupervisoryServiceGovernorYoonSuk-heun/KoreaTimesfileByKimBo-eunTheheadsoflocalfinancialauthoritiescontinuetobeatloggerheadsovermultipleissues,stemmingfromastructuralreformofagovernmentbodyin2008.Currently,theFinancialServicesCommission(FSC)isinchargeofpoliciesondevelopingthelocalfinancialindustry.TheFinancialSupervisoryService,undertheFSC,executesthepoliciesandalsosupervisesfinancialfirmshere.Thetwoentitiespreviouslycomprisedonegovernmentbody,butweresplitupin2008.Fromtheseparation,theFSCearnedauthorityoverallmattersconcerningtheFSS―includingitsbudgetandpersonnelaffairs―whichhasledtosouredrelationsbetweenthebodies.TheFSSasthesupervisoryagencyhasincreasinglybeenvoicingtheneedforindependencefromtheFSCoveritsbudgetaswellasauthorityoverpolicymaking.ThiscomesaftertheFSSwascriticizedforfailingtopreventaseriesofscandalsinvolvingfinancialfirmsmis-sellingandmis-managementoffinancialproducts.TheFSShascontendeditdoesnothavethefinancialandhumanresourcescapacitytomonitorhundredsofcompanies.TheagencypointsafingerattheFSCforthevariouslimitationsitfaces,astheFSCisthebodythatdeterminesthesizeoftheFSSbudget.FSCChairmanEunSung-soo,however,saidallgovernmentbodiesaresubjecttobudgetapproval.TheBankofKorea,forexample,issubjecttoapprovalbythefinanceministry,hesaid.TheFSSwouldalsoneedtobesubjecttoapproval,Eunsaid,statingeveniftheFSCdoesnotassumethisroleofapproval,thefinanceministryorNationalAssemblywould.TheFSSalsosaiditfaceslimitsinsupervisionbecauseinspectionsmaybebarredinthecaseofinsufficientlegalgrounds.TheFSSexecutessupervisionbutdoesnothaveauthorityoversupervisionregulations,FSSGovernorYoonSuk-heunsaidataNationalAssemblyauditonFriday.Itisdifficulttoexecutesupervisionoveracertainsituationinthemarketaccordingtoourwill.Thetwochiefsalsoshoweddifferencesoverthereappointmentofthefinancialgroupschairmen,amidvariousscandalsinvolvingmisconductbytheiraffiliatebanksandbrokerages.TheFSSYoonhasvoicedoppositionoverthematter.Ourstanceisthatstrongerregulationsareneededagainstself-reappointments,hesaid,referringtothestatusquowherebasicallythechiefsoffinancialgroupsareabletoserveadditionalterms,regardlessoftheirresponsibilityinpossiblecasesofmisconductthatoccurwithinthegroup.TheFSCsEun,however,said,Whenfinancialauthoritiesintervenedintheappointmentoffinancialgroupchiefsinthepast,problemsstillexisted.Headded,IfinthecasetheFSCorFSSweretointerveneinthematter,basedonmistrustoftheboardmembersorshareholders,wewouldstillneedasocialconsensus.Thedirectionthatshouldbetakenisshareholdersandboardmembersmakingthedecision,andvariousmeasureswouldneedtogointoeffectsimultaneously,suchaslegislatingrelatedregulationsorsocialmonitoring.

安慶千萬巨有限公司

安慶HanaBanksheadbranchincentralSeoul/KoreaTimesfileByKimBo-eunKoreansinIndonesiawhosignedupforsavingsinsuranceplansofferedbylocalstate-runinsurerJiwasrayaarestillunabletocollect45billionwoninclaimsastheinsurerhasdefaulted.Jiwasrayasold1.3trillionwoninsavingsinsuranceplansguaranteeingbetween6percentand9percentinterestrates,atsevenbanksincludingHanaBankssubsidiaryinIndonesia.Theinsurancecompany,however,stateditwasunabletopaycustomerswhosepoliciesmaturedin2018and2019.Jiwasrayaiscurrentlyontrialforallegationsoffraudinmanaginginvestments.AmongJiwasrayapolicyholderswhohaveyettoredeemtheirinvestments,thereare474Koreans,andtheirinvestmentsamountto45.3billionwon.Outofthe474,ninepolicyholdershavereceivedpayments,butfortheremaining465,theissuehasbeenpendingfortwoyears.Regardingthedistributionofthepolicies,HanaFinancialGroupacknowledgedlastyearthatmis-sellinghadoccurred.Thesavingsinsuranceplanswerefoundtohavebeenpromotedassavingsproducts.Rep.LeeYoungofthePeoplePowerPartyreferredtotheinactionoftheFinancialSupervisoryServices(FSS)inresolvingthematter,ataNationalAssemblyauditofthesupervisoryagencyonFriday.TheFSSgovernorsaidtheagencywouldlookintothecasegivenHanaBankacknowledgedmis-sellingwasinvolved,Leesaid.Hanawasinvolvedinmis-selling,andHanaisaKoreanbank.Koreanshavebecomevictims,shesaid.TheFSS,however,hasnottakenanyactionsofar.Yoonpledgedtofollowthroughwithearlierremarks.HanaBanksstance,however,isthatinsurerstakeontheriskofallpoliciesifbanksdistributetheirproducts.Indonesianauthorities,meanwhile,unveiledplansinJulytorestructureJiwasrayaspoliciesandtransferthemtoanewlifeinsurancecompanytobesetup.千萬ShinhanFinancialGroupsVietnamCountryManagerShinDong-min,thirdfromleft,poseswithridehailingfirmGrabsVietnamCEONguyenThaiHaiVan,secondfromleft,afterthetwosignedanagreementtofosterstartupsandexpanddigitalfinancialservicesintheSoutheastAsiancountry,atGrabVietnamsheadquartersinHoChiMinh,Tuesday./CourtesyofShinhanFinancialGroup

安慶千萬巨有限公司

安慶ByLeeMin-hyungArivalrybetweenKBKookminBankandKakaoPayisexpectedtoheatupinthenationsauthenticationcertificateindustry,inaraceforthenext-generationfinancialsecuritymarketwithhugegrowthpotential.Thetwocompaniesareamongthefive―alongwithNHNPayco,PASSandtheKoreaInformationAuthenticationCertificate―tohavewonlicensestooperatethecommercialcertificatebusinessfollowingarevisiontotheDigitalSignatureActonDec.10.ButKBandKakaoareexpectedtotaketheleadintheinitialstageofthemarket,asbothalreadyholdmillionsofusersandhavecompetitiveedgesovertheotherthree.KBisthenationslargestfinancialholdingfirmandKakaoisconsideredthedominantmobileplatformbusinessoperatorhere.Theauthenticationcertificateindustryisworth70billionwon,butthelicensedplayersareacceleratingtheirdrivestotakecontrolofthemarketattheearliestpossibledate.Theyhopetowidentheirbusinessportfoliosandrevenuesourcesbyreceivingroyaltiesfromcompaniesusingthesystems.Theauthenticationmarketalsocomeswithever-growingimportanceinthatindustryplayerscanachievealock-ineffectbysuccessfullyoperatingtheirownsecurityplatforms,preventingexistingcustomersfromleaving.KakaoPaysauthenticationcertificate/CourtesyofKakaoPayKBKookminBankstarteditsmobileauthenticationserviceinJuly2019,andhassinceattractedmorethan5millionusers.Asthelenderistheonlycommercialbankherethatwonalicensetobecomeapilotauthenticationcertificatebusinessoperator,KBistakingthestrategyofsigningmorepartnershipswithexistingbiglendersandexpandingitsinfluenceinthetraditionalbankingsector.Wearepersuadingourbankingrivals―suchasShinhan―touseKBsauthentication.Someofthemareininternaltalksoverwhethertodoso,aseniorofficialatthelendersaid.Themostimportantthinginthemobilefinancialworldissecurity,astheauthenticationcertificateservesasagatewaytotheonlineecosystem.Whenweopenupourcertificatetootherlenders,theycanalsotakeadvantageofitandmakethebankingindustrygrowbiggerandfaster.OthermajorcommerciallendershaveyettodecidewhethertojointheKB-ledauthenticationpartnership,butthereremainsamplepossibilityforthemtodosoamidloomingchallengesfromfintechfirmsandso-calledbigtechfirmssuchasKakao.Therapidriseofsuchbigtechfirms―whichobtainadominantonlineandmobileplatformandseekexpansionintofinancialsectors―raisesthepossibilityformoreexistingbankstoenhancetieswithplayersinthesameindustry.Achievingmeaningfuloutcomesintheauthenticationindustryaftertherevisionofthelawisoneofourtopprioritiesfornow,theofficialsaid.Thiswillallowustocreatemorevalueinahighlysecurefinancialenvironment.KakaoPayisalsoexpressingconfidenceforsecuringatightergripintheindustrybyleveragingitstensofmillionsofitschattingappKakaoTalkusers,whichsees35.6millionmonthlyactiveusers.Thecompanyunderlinedawiderangeofclientsforitsauthenticationcertificate―comingfromboththecommercialandpublicsectors.KakaoPayauthenticationisusedbymajorconglomeratessuchasSamsungandHyundai,aswellasstate-runorganizationsincludingtheSeoulMetropolitanGovernmentandtheNationalPensionService.Morethan100companiesandorganizationshavesignedauthenticationcertificatepartnershipswithKakaoPay.AsofSeptember,itsnumberofsubscriberstopped11million,withatotalof17millioncertificateshavingbeenissuedsofar,accordingtothecompany.Italsopredictedmorethan20millioncertificateswillbeissuedbytheendof2020.WewillenablethepublicheretoverifytheiridentityfasterandmoreeasilythroughthedominantmobilemessengerKakaoTalk,aspokeswomanatKakaoPaysaid.OurcorestrengthliesinthedominantpositionofKakaoTalkhere.Wewillcontinuetodevelopourauthenticationinamoreuser-friendlywayforuserstoaccessvariousonlineserviceswithenhancedsecurity.Theauthenticationcertificateplayerswillalsobroadentheirprofitsourceswiththeriseoftheelectronicdocumentmarket.AccordingtodatafromtheKoreaInternetandSecurityAgency,theelectronicdocumentindustryisontrackforrapidgrowth.Themarketisvaluedataround93.9billionwonfornow,butthefigurewillsurgeto2.1trillionwonby2023,theagencysaid.Theriseofcontactlessservices―inducedbytheCOVID-19pandemic―willparticularlyspeedupgrowthofthemarketforelectronicbilling,accordingtotheinternetauthority.Asoftheendof2019,KakaoPayalsoissuedmorethan53millionelectronicdocuments.About100publicandprivateorganizationshaveimplementedmobileelectronicnotificationsystems,andmorethan28millionmobiledocumentswillbeissuedbytheendofthisyear,atrendthatwillacceleratedowntheroadamidthegovernmentsdrivetoestablishapaperlesssociety,theagencysaid.

千萬TheheadquartersofKBKookminBank/CourtesyofKBKookminBankKBKookminBankfoundtobeleastactiveinenhancingjobstabilityByAnnaJ.ParkDespitereportingrecord-highoperatingprofitslastyear,majorbanksherefailedtoconverttheirnumbersofirregularemployeestoregularemployeestatus,whilealsonotincreasingthehiringofthelatter.AccordingtoapressreleasefromrulingpartylawmakerParkKwang-on,Sunday,thefivemajorbanksinKorea―KBKookmin,Shinhan,Woori,HanaandNongHyup―reportedaggregatedtotalprofitsof14.4trillionwon($12.5billion)lastyear,thehighestsincestatisticsstartedbeingrecorded.Whilethesemajorfinancialinstitutionsoperatingprofitshavecontinuedtorecordannualincreases,from6.6trillionwonin2016to14.4trillionwonin2019,theprofitsdidntcoincidewithanyimprovementinstableworkingconditionsforemployees.Theaggregatednumberoffull-timeemployeesatthefivebanksstoodat70,463asofthefourthquarteroflastyear,a1.2percentdropfromthepreviousyear.Yet,thenumberofirregularworkersshowedanincreaseof7.9percentduringthesameperiod.Despitetherecord-highlevelannualperformances,majorcommercialbanksfilledvacantpositionswithtemporaryworkers,anaffronttothequalityofemployment,Rep.Parksaid.Thefinancialsectorshouldbegincreatingqualityjobswitharealsenseofpublicresponsibility.KBKookminseemedtohavemadetheleastamountofeffortstoenhancethequalityofjobsforitsemployees.Asofthefourthquarterlastyear,thenumberofthebanksfull-timeemployeesstoodat16,738,a2.4percentfallfromthepreviousyear,whilethenumberofirregularworkersincreasedby28percent.Otherbanksshowedasimilarpattern:Hanasnumberofregularworkersshrankby4.1percentandWoorisremainedstatic,whilethenumbersofirregularemployeeswereincreasedby20.3percentand7.4percent,respectively.Shinhanshowedanincreaseinthenumberofbothregularandnon-regularemployeeslastyear,byarespective1.0percentand13.3percent.NongHyupwastheonlymajorlenderthatcouldbeseenasenhancingthequalityofjobsoffered,asthenumberofregularstaffincreasedby0.5percentandthenumberofnon-regularworkersfellby3.8percent.AnofficialfromKBKookminattributedtheparticularlyhighincreaseinirregularworkersatthebanktotemporarylarge-scaleemploymentforparticularloanprograms.Attheendoflastyear,hundredsofshort-termpart-timerswereemployedforacoupleofmonthstomanagetheloanprogram,anofficialsaidduringaphoneinterview,explainingthatbecauseofthenumberofworkersemployedforthetemporaryassignment,thepercentageofirregularpositionsatthebankincreasedforashorttime.Theofficialalsosaidthereasonbehindthedropinthenumberofregularworkerslastyearhadtodowiththebanksreverse-pyramidshapedhumanresourcessystem.KBKookminBankhiresasimilarnumberofnewregularemployeesofabout400to500everyyear,justlikeothermajorbanks.However,thereasonwhythenumberofregularworkersdecreasedlastyearwasthatsincethebankmergedwiththeformerstate-runHousingCommercialBankbackin2001,KBKookminBankhasmoresenior-levelofficialsthanotherbanks.Thus,thenumberofretiringemployeesishigherthanotherbanksandthisresultedinthetotalnumberofregularworkersfallinglastyear,heexplained,addingthatmostofthebankspositionswerefilledwithregularstaff.安慶FintechinnovationmarredbyrisingdelinquenciesByParkJae-hyukThenationspeer-to-peer(P2P)lendingmarkethasbeenlosingitscredibility,duetoasnowballingdelinquencyrateintheindustryandallegedinvestmentfraudinvolvingsomewell-knowncompanies.TheseriesofunfavorablefactorsarefearedtodisrupttheFinancialServicesCommissions(FSC)bidtopromotethisnewtypeoffinancialservicebasedonfintech.P2Plendingreferstothepracticeoflendingmoneytoindividualsorbusinessesthroughonlineservicesthatmatchlenderswithborrowers.Thefinancialregulatorhasbeenpreparingfortheenforcementofregulationsregardingthebusiness,slatedforAug.27.ThenewruleswillobligateP2Plendingfirmstoregisterthemselveswiththefinancialauthorities,soastoencouragemid-rangeinterestrateloansforborrowerswithlowercredit,whichhavebeeninregulatoryblindspots.InvestorswholendtheirmoneythroughP2Plendingplatforms,however,arestillcastingdoubtsonthesoundnessofthisbusinessmodel.AccordingtotheKoreaP2PFinanceAssociation,thedelinquencyrateof45P2Plendingfirmsstoodat9.32percentonaverageinlateJanuary,upfrom8.43percentamonthearlier.Theaveragedelinquencyratewas0.42percentinlate2016,whenP2Plendingwasfirstintroducedhere.Largerplayersarenoexceptionforthedeterioratingsoundness.TeraFunding,whichhascumulativelyextendedthelargestamountinloansof1.4trillionwon($1.1billion)throughtheplatform,hada17.48percentdelinquencyrateinlateJanuary,up4.51percentagepointsfromamonthearlier.Thecompanyrecentlywroteoffloansworth10.2billionwonofferedtomultiunitresidentialbuildingsinTaean,SouthChungcheongProvince,andPajuandGoyanginGyeonggiProvince,bysellingthematbargainprices.Asaresult,itsufferedanetlossof2.39billionwon.Thedelinquencyrateoftherunner-upHonestFund,whichhascumulativelyextendedloansworth770.9billionwon,roseto6.23percentfrom5.83percent.Inaddition,8percent,anotherP2Plendingcompany,lost28percentofitsinvestorsmoneywhichwascollectedintheformofcrowd-fundingtoproduceamusical.Furthermore,somecompaniesarefacingallegationsoffraud.TheFinancialSupervisoryServicerecentlyaskedtheprosecutiontoinvestigatePopfunding,afteruncoveringpossiblefraudandembezzlementduringaninspectioninDecember2019.ThefinancialwatchdogsuspectstheP2Plendingfirmcookeditsbookstoconceallosses.TheinvestigationoverPopfundingshockedtheP2Plendingindustryasthecompanywasrecognizedasanexampleoffinancialinnovation.InNovember2019,FSCChairmanEunSung-soovisitedawarehousePopfundingownstopraisethecompanyseffortstoboostloansonmovableassets.FinancialServicesCommission(FSC)ChairmanEunSung-soo,frontrowright,poseswithparticipantsinanopenforumonthepeer-to-peerlendingbusinessattheKoreaChamberofCommerceandIndustryheadquartersinSeoulinthisSeptember2019filephoto./CourtesyofFSCDilemmaoverregulationsAgainstthisbackdrop,callshavegrownforthefinancialauthoritiestoimposestricterregulationsonP2Plendingfirms.P2Plendingshouldnotbelegalized,alocalinvestorsaid.Itslikeagambling,becausefirmslureinvestorswithhighinterestrateswithoutguaranteeingtheirreturn.YoushouldnotinvestinP2Plendingfirms.HansungUniversityeconomicsprofessorKimSang-bongalsowarnedoftheriskoflosingmoney,saying,P2Plendingfirmslendmoneytothosewithbadcredit,soitisnaturalthattheirdelinquencyrateremainshigh.TheFSCchairman,however,hasbeenskepticalaboutstricterregulations,becauseitmayhinderinnovationinthefinancialindustryhere.ThereexistscriticismthatthedelinquencyrateofP2Plendingfirmsisrising,andwearefacingadilemmaovertheintensityofregulation,hesaidinaFeb.19pressconference.However,weshouldcontinuefinancialinnovationandintegration.Thefinancialregulatorhascomeupwithseveralmeasuresforinvestorprotectioninstead.ItwillselectaninstitutioninthesecondhalfofthisyearandtaskitwithmanaginglimitationsoninvestmentsandcollectinginformationrelatedtoP2Plending.Aself-regulatoryorganizationwillalsobecreatedinthesecondhalf.TheFSCexpectstheenforcementofrelatedlawsinAugustwillpromptunderperformingcompaniestoshutdownandimprovethesoundnessoftheP2Plendingmarket.Itisprobablethatthemarketwillbereorganizedasinvestorswillflocktocompaniesthathaveprovenability,saidKwonDae-young,directorgeneraloftheFSCsfinancialinnovationbureau.Expertsnotedthatbothfirmsandinvestorsshouldtakeresponsibilityforanypossiblerisk.EvenifP2Plendingbecomeslegalized,theintensityofregulationsshouldbeminimizedforfintechfirmstoinnovatethemselves,soP2Plendingfirmsshouldmakeeffortsinadvanceoflegalization,saidLeeSoon-ho,aresearchfellowattheKoreaInstituteofFinancesdigitalfinanceresearchcenter.Investorsshouldcomplywithguidelinesandengageintransactionsonlywithfirmshavingproperbusinesspolicies,iftheywanttoenjoythebenefitsfrominnovation.

千萬SouthKoreansharesareexpectedtomoveinatightrangenextweekamidworriesoverthespreadofthenewcoronavirusandexpectationsofglobalpolicycoordinationtofighttheeconomicfalloutfromthevirus,analystssaidSaturday.ThebenchmarkKoreaCompositeStockPriceIndex(KOSPI)closedat2,040.22pointsonFriday,up2.6percentthisweek.AnalystssaidakeyfactorthatcouldaffecttheSouthKoreanstockmarketsnextweekiswhetherthespreadofthecoronavirusslowsdown.InSouthKorea,COVID-19haskilled42people,mostlyelderlypatientswithunderlyingillnesses,andinfectedmorethan6,200others.Thevirusisblamedforthedeathsof12peopleintheUnitedStates,withabout100confirmedcases.KimByung-yeon,ananalystatNHInvestmentSecuritiesCo.,saidanexpectedslowdowninthepaceofnewlyconfirmedcasesinSouthKoreaandpolicycoordinationinmajorcountriescouldboostinvestorsentimentnextweek.Kimsaidthenumberofnewlyconfirmedcasesherecouldfallasvirustestsonpotentialcasesareonthedecline.Earlierthisweek,theU.S.FederalReserveslashedinterestratesbyhalfapercentagepointinanapparentmovetomitigatetheeconomicfalloutfromthecoronavirusoutbreak.CanadaandAustraliaalsoslashedtheirkeyrates.SKSecuritiesCo.saidthepolicycoordinationhadapositiveimpactonstockmarkets,addingthattheEuropeanCentralBankandtheBankofJapancouldalsocutratesincomingweeks.KimYong-ku,ananalystatHanaFinancialGroup,forecastthemainindextotradeatbetween2,050and2,100pointsnextweek.(Yonhap)安慶ByAnnaJ.ParkAmidthecontinuingspreadofCOVID-19inKorea,thenationseconomyseemstobelosingitsvibrancyalongwiththestockmarketdownturnandoveralldeclineofconsumerconfidence.Inthefaceofthisloomingslump,arecentresearchpaperbyCreditSuisseexpectsthecurrentadverseshockwillbemoretemporarythanfundamental,althoughmostsectorsarebeinghitbytheadverseimpactasofnow.WethinkthedirectimpactofCOVID-19isalreadybeingfeltacrossmostsectors,andthattherewillbeanegativeimpactfromboththedemandandsupplysides,withlowerend-demandhurtingrevenueoutlookandsupply-chaindisruptionshurtingproductioncapabilities,theglobalfinancialcompanysKoreaStrategistParkJee-hoon,whosalsotheleadauthoroftheresearchpaper,toldTheKoreaTimes.Thatsaid,wecontinuetobelievethatthenegativeimpactismoretemporarythanstructural,andexpectSouthKoreatoresumeitscyclicalrecoveryoncethevirusiscontained,headded.ThestrategistalsoexpectstheKOSPItobouncebacktoabullishlevel.WemaintainourKOSPItargetof2,300.Weareoverweightontech,autos,andonlinegaming,hesaid,addingthosesectorswillbethekeyoutperformerswhenthetideturns.Thereportalsostatesthatwhenthemarketsstarttoturn,theinitialrallywillcomefromthecurrentunderperformers,whicharetheenergy,industrial,cosmetics,andbanksectors.Asopposedtotheseunderperformers,theonlinegamingsectorhasseenanimpressiveincreaseinthemidstofthecurrentmajordownturn.

千萬FinancialcompliancespecialistChoChang-hoon/CourtesyofhimselfCEOsoffinancialfirmsurgedtopursueoptimallevelofprofitsByAnnaJ.ParkProfessorChoChang-hoon,42,whocurrentlyteachesatHallymUniversityandKAISTGraduateSchoolofFinance,isoneofthenationsrepresentativefinancialcompliancespecialists.HespentalmostadecadeatthecompliancedepartmentofMiraeAssetSecurities,beforehemovedtoacademia.However,hisinterestincompliancestartedwaybeforethen―backin1997whenhestartedapart-timejobasabusiness-majorcollegestudentatfinancialinstitutionsonYeouido,SeoulsfinancialdistrictSoonafter,thenationwasgoingthroughtheso-calledIMFcrisis.Ivividlywitnessedhowfinancialcompanieswerecompletelydevastatedduringtheeconomiccrisis.ThatswhenIfirstencounteredthesubjectofcompliance,ProfessorChotoldTheKoreaTimesduringarecentinterview.Naturallydrawntothetopic,Chodecidedtoworkatasecuritiescompanyasacomplianceofficer,afterearninghismastersdegreeinfinancialmanagement,tolearnmoreaboutthesubject.Whileheworkedatthecompliancedepartmentofasecuritiesfirm,hefurtherstudiedlawforhisdoctoralprogram.Afterearningadoctorsdegreeinlaw,henowfocusesonteachingthesubjectofcomplianceatuniversities.Simplyput,thetermcomplianceinthefinancialareareferstothesupervisionofmanagementtoensuremaintenanceofthecurrentlegalsystem.Passivecompliancemeanstoensurefinancialcompaniesdonotviolateextantlaws,regulationsorguidelinesofthefinancialauthorities.Whilethispassivecomplianceismoreabouttheperfunctoryfunctionofacompany,activecomplianceextendstotheconceptofethicalmanagement.MostKoreanfinancialcompaniescompliancedepartmentsremainatthelevelofpassivecompliance.Ifacompanyaimstoexecuteactivecompliance,thecompanycouldfacestronginternalresistance,asbusinessdecisionsbasedonactivecompliancecouldincuraprofitloss,theprofessorexplained.ProfessorChoaddedthatthesignificanceofcompliancetendstobecompromised,whenfacingmaximizationofcorporateprofits.Everyoneknowscompliancepoliciesareimportant,astheyreducetransactioncostsandenhancesocialtrust.Yetsuchimportancecouldeasilybecompromisedinthefaceofcorporateprofit.Thusfinancialcompaniesneedtopondertheoptimallevelofprofit,insteadofthemaximizationofprofits,asmoreprofittendstobeaccompaniedbymorerisks,thecompliancespecialiststressed,addingthatonehastoletgothisinordertoadheretocompliance.HewentontocriticizeboththefinancialauthoritiesandcompaniesfortherecentLimeandDLFscandalsthatinflicteddamagetocustomers.Koreasrepresentativefinanciallaws,suchastheBankingActandCapitalMarketLaw,areinclinedtoputahigherpriorityonprotectingfinancialcompaniessmoothoperation,ratherthanprotectingindividualinvestors,Chosaid.Asthecurrentlawprioritizesactivatingthemarket,theauthoritiessupervisiontendstoberatherlenient.Inaddition,ChosaidtherearenumerousassetmanagersinKorea,yettheyareinclinedtohaveveryweakinternalcontrolsystem,comparedtothatofbanksorsecuritiesfirms.Riskyfinancialproductsmadeatlow-qualityassetmanagersweresolddirectlytoconsumersatbanksandsecuritiesfirms,withoutbeingproperlyfilteredorscrutinized.Thatsbecausethosefirmswereaimingtoachievemaximumprofits,insteadofclearlyassessingtherisksthoseproductsentailed,hesaid.Thatswhythecomplianceexpertsuggeststhenationsfinancialcompaniesconsideranallowanceforethicaldebt,aconceptsimilartoanallowanceforbaddebtinbanking―avaluationaccountestimatingtheamountofafirmsreceivablesthatmaybeuncollectible.Justasbankshavethesystemofmaintaininganallowanceforbaddebtasriskmanagement,Ithinkfinancialcompaniesalsoneedtomaintainanallowanceforethicaldebt,whentheydecidetosellhigh-riskproductstoconsumers,hesaid,stressingsuchapracticewouldprovidethefirmsachancetopondertheoptimallevelofrisktakingandprofits,whileprotectingcustomersinterests.Ifcompanieswereabletothinkabouthowmuchrisktheycanbearandhowmuchofanethicalallowancemustbeaccumulatedbeforesellingriskyproducts,thentheywouldnthavesoldthemsouncriticallyliketheydidintheDLForLimecases,headded.安慶Downturn,virusthreatcloudoutlookforreboundin2020ByLeeMin-hyungKoreaspercapitagrossnationalincome(GNI)droppedforthefirsttimeinfouryearsin2019,astheglobaleconomicslowdownandexternaltradeuncertaintyrestrainedexportactivities,theBankofKorea(BOK)saidTuesday.Accordingtothecentralbank,theGNIpercapitalastyearreached$32,047,down4.1percentfromthepreviousyear.Thisisthefirstdeclinesince2015whentheeconomysufferedasetbackfromtheMERSoutbreak.ThefallisattributabletotheoveralldeclineincorporateearningslastyearwhenthetradedisputebetweentheUnitedStatesandChinareacheditspeak,thebanksaid.Thepercapitaincomegrowthslowedlastyearinlinewiththenationseconomicslumpstemmingfromthetradefeud,ParkSeong-bin,headoftheBOKsnationalaccountsdivision,saidinapressconference.ThenationsrealGDPgrowthcameinat2percentin2019.ButthatofnominalGDP,measuredbycurrentmarketprices,narrowlyincreasedby1.1percentduringthesameperiod,accordingtotheBOK.TheGDPdeflator,indicatingpricelevelchanges,alsoreportedadropof0.9percentlastyear,comparedtoayearago.Thisisthebiggestfallsince1999whentheeconomywashithardbytheAsianfinancialcrisis.RealGNI,whichrepresentspeoplesactualpurchasingpower,grewbyonly0.3percentin2019,thelowestgrowthfromadeclineof7.7percentin1998.NominalGNIalsoincreasedby1.7percent,butthisfigureisalsothelowestsince1998.Thedomesticeconomicconditiontookaturnfortheworselastyearduetotheexternaluncertainty,andthisledapricefallinsemiconductors,Parksaid.Memorychipsarethenationsmajorexportitem,drivingeconomicgrowthhere.Theexportdeclineblockedcompaniesfromexpandingtheirinvestmentinfacilities,anddrovedownoverallGDPgrowth,hesaid.TheBOKdidnotspecifyhowtherapidspreadofthecoronavirusinKoreawouldaffectGNIandGDPin2020,asitistoughtocalculatepotentialeconomicdamagefromtheongoingCOVID-19outbrealatthemoment.Economistssaidtheoutlookremainscloudyfor2020,astheeconomywilllikelyremaininthedoldrumsthroughouttheyearwithnoclearsignsofarebound.Disposableincomethatthepubliccanactuallyspendseemstohavedroppedfurtherin2019,andthingswillremainsimilarthisyear,YonseiUniversityeconomistSungTae-yoonsaid.ChancesaretheGNIpercapitawillfurtherdropin2020inconsiderationofthepersistingeconomicslowdownalongwiththecoronavirusthreat,hesaid.Thesoaringnumberofnewcoronaviruscasesherehasrecentlybroughtaboutvolatilityinthelocalfinancialmarket.Aboveall,asenseofmarketuncertaintypromptedthewon-dollarexchangeratetoskyrocketinrecentweeks.Againstthesamebackdrop,somecriticsraisedconcernsthatthepercapitaincomeheremaydropbyabigger-than-expectedmarginin2020,possiblybelowthe$30,000-mark.Despitesuchlingeringworries,itappearsunlikelythatthe2020GNIpercapitawillnosedivebelowthisfigure,asthevirus-triggeredhikeintheexchangerateisjustatemporaryphenomenon,accordingtoKoreaCapitalMarketInstituteeconomistKangHyun-ju.Theexchangeraterecentlytoppedtheworryinglevelof1,200-won,butourviewisthattheratewillsoonstabilizearoundthemid-1,100-wonlevel,hesaid.Againstthisbackdrop,percapitaincomein2020willnotfallbelow$30,000duetotheexchangerateeffect.

通遼市計算機廠

? AV一本大道香蕉大在线