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제21대국회 주요 입법・정책 현안ⅠII III(입법조사처 2020.6)

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제21대국회 주요 입법・정책 현안ⅠII III(입법조사처 2020.6)

admin | 화, 2020/06/09- 06:42


(제21대국회+주요+입법·정책+현안Ⅰ-20200530)-정치행정조사실.pdf
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(제21대국회+주요+입법·정책+현안Ⅲ-20200530)-사회문화조사실.pdf
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(제21대국회+주요+입법·정책+현안Ⅱ-20200530)-경제산업조사실.pdf
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Ⅰ. 정치의회 • 1
1. 국회 분야 3
01. 의원윤리심사기구 상설화 ·························································································3
02. 국회 안건신속처리제 ································································································6
03. 국회 인사청문제도·········· ·························································································9
04. 예산결산특별위원회 상임위 전환 문제 ··································································12
05. 예산안 및 세입부수법안 본회의 자동부의제도 ······················································15
06. 국회의 행정입법 통제 ···························································································18
07. 법제사법위원회 체계자구심사 ················································································21
08. 국정조사 위증 증인에 대한 고발 절차 ·································································24
09. 국회 정보공개제도············································································· ····················28
10. 국회 입법예고제도············································································· ····················32
2. 선거 분야 35
01. 선거운동 확성기 소음규제 ·····················································································35
02. 선거운동 기간 제한 ·······························································································39
03. 국회의원 선거구 획정 ···························································································42
04. 국회의원 선거제도 ·································································································45
05. 선거사무원 수당 ····································································································49
06. 재・보궐 선거비용 ··································································································52
07. 재외국민 투표권 ····································································································55
08. 후원회 지정권자 자격 기준 ···················································································58
09. 선거여론조사 공표기간 ··························································································61
10. 선거운동 규제 ·······································································································64
11. 투표참여 취약계층 투표편의 지원 ·········································································67

3. 정당 분야 71
01. 지구당 부활 등 지역의 정당활동 ··········································································71
02. 지역정당 설립 허용 등 정당 설립 요건 완화 ·······················································74
03. 정당 정책연구소 기능 강화 ···················································································77
04. 여성・청년의 정치대표성 ························································································80
05. 민주시민교육 활성화 ·····························································································83
06. 정당 국고보조금 배분 기준 ···

 

Ⅱ. 법제사법 • 89
1. 공법 분야 91
01. 헌법개정 ················································································································91
02. 헌법개정절차법 제정 ···························································································97
03. 차별금지법 제정 ····································································································99
04. 대법원 상고심제도 ·······························································································102
05. 대법원의 이원적 구성 방안 ···············································································105
06. 전문법원(노동법원・해사법원 등) 설치 ·································································108
07. 사법행정제도 ·······································································································111
08.. 군사법제도···· ·····································································································114
09. 경력법관제도 ·······································································································117
10. 헌법재판관 궐원 방지 ·························································································122
11. 헌법재판 변형결정 효력규정 ···············································································125
12. 법원의 재판에 대한 헌법소원 도입 ····································································128
13. 행정기본법 제정 ··································································································131
14. 변호사시험 ···········································································································134
15. 감사원 성과감사 ··································································································137
16. 행정심판 처분청 불복 제도 ·················································································139
17. 행정심판 청구서 각하 제도 ·················································································141
18. 행정심판위원 정수 ·····························································································143
19. 법학전문대학원 실무교육 ····················································································145
20. 대안적 법학전문대학원 ························································································148
21. 「행정절차법」상 청문 제도··················································································151
22. 피후견인 결격조항 문제 ······················································································154
23. 피후견인에 대한 선거권 부여 및 정당한 편의제공 ············································158
2. 사법 분야 161
01. 의료기관 등의 출생통지 제도 ···········································································161
02. 기업구조조정 관련 제도 ······················································································164
03. 주주총회 의결권 행사 관련 제도 ··································································167

04. 감사위원회 제도 ··································································································170
05. 보험계약자의 수동적 응답의무 ············································································172
06. 복합운송 관련 규정 ···························································································175
07. 상장회사의 특례조항 ·························································································178
08. 주주총회 정족수 제도 ·······················································································180
09. 사외이사 의무선임 제도 ······················································································182
10. 등기의 공신력 인정 방안 ····················································································185
3. 형사법 분야 188
01. 형사미성년자 연령 조정 ······················································································188
02. 검・경 수사권 조정 ····························································································192
03. 사실적시 명예훼손죄 ·························································································194
04. 수사과정 피의자 보호제도 ·················································································197
05. 재심제도··············································································································200
06. 혐오표현에 대한 형사처벌 ··················································································203
07. 피의사실공표죄 ································································································206
08. 강간죄 최협의 폭행설 ·························································································210
09. 그루밍성범죄 ·······································································································214
10. 성범죄 피해자의 2차 피해 방지 ·········································································216
4. 소송제도 분야 220
01. 공정거래・특허 사건에 대한 행정소송 심급구조 ··················································220
02. 의무이행소송 제도 ·······························································································223
03. 증거개시제도 ·····································································································226
04. 행정형 조정절차에 있어 조정성립의 효력 문제 ··················································229

 

Ⅲ. 외교안보 • 233
1. 외교 분야 235
01. 신북방정책 ···········································································································235
02. 신남방정책 ·········································································································238
03. 조약체결절차 ·······································································································241
04. 자율무기체계 협상 ·······························································································245
05. 한・미 SOFA 개정 ······························································································249
06. 한-EU FTA와 ILO 핵심 협약 비준 ··································································252
07. 해외정책연구소 지원사업 ··················································································255
08. 영사협력원제도 ····································································································258
09. 재외공관 행정직원 제도 ······················································································261
10. 해외여행경보제도 ·······························································································264
11. 국내거주 고려인동포 지원사업 ··········································································267
12. 재외동포 및 외국인 대상 한국어교육사업 ··························································270
13. 한국 국제개발협력의 투명성 ·············································································273
14. 국제개발협력 추진체계와 관련 법제 ···································································276
15. 방위비분담금 제도 관련 국회의 역할 ·································································279
16. 미국의 인도-태평양(Indo-Pacific) 전략 ··························································282
17. 2020년 미국 대통령 선거 ··················································································284
18. 미・중관계 ············································································································287
19. 한・중 관계 ··········································································································290
20. 한일대륙붕공동개발 ·····························································································293
21. 일제강점기 강제동원피해자문제 ········································································296
22. 일본군위안부피해자 문제 ····················································································299
23. 한・일 과거사 유네스코 유산 등재를 위한 지원 ·················································302
24. 「한일군사비밀정보보호협정(GSOMIA)」 ····························································305
25. 러시아 개헌 ·········································································································308
26. 러시아의 극동지역 개발정책 ···············································································312
27. 유럽연합(EU)의 대 아시아 정책 ·········································································315

 

28. 브렉시트(Brexit) 관련 향후 과제 ·······································································319
29. 코로나19 확산에 따른 관세・통상 정책 ······························································323
30. 디지털 무역 규범 협상 ·······················································································328
2. 통일・남북관계 분야 332
01. 통일 국민 협약 ···································································································332
02. 통일 경제 특구 ···································································································335
03. 남북공동체 ···········································································································338
04. 한반도 신경제지도 구상 ······················································································341
05. 남북 철도 및 도로 협력 ·····················································································343
06. 북한 이탈주민 ·····································································································346
07. 남북이산가족 상봉 ·······························································································349
08. 남북협력기금 ·······································································································352
09. 통일부의 북한 개별관광 추진 경과 ····································································355
10. 북한 인권 ············································································································358
11. 제7기 제5차 전원회의 이후 북한의 대외정책 변화 ···········································361
12. 북미 비핵화 협상 ································································································364
13. 북한 통치관료 변화와 대내외 정책 변화 ··························································367
14. 북한의 감염병(코로나19) 예방 체계 ···································································370
15. 북한의 단거리 미사일 시험 발사 ········································································373
16. 2020년 북한 경제 전망 ·····················································································376
3. 국방 분야 379
01. 한미동맹과 전시작전통제권 전환 ········································································379
02. 군부대 해체 주변지역 지원 ·················································································382
03. 탄약저장시설의 현대화 ························································································384
04. 한국형 군사위성 개발 ·························································································387
05. 사이버작전 능력 강화 ·························································································389
06. 군비통제 기본정책 ·······························································································392
07. 주한미군기지 반환 및 환경오염 정화 ·······························································395
08. 국방벤처 지원 사업 ·····························································································398
09. 방산수출지원을 위한 무관 및 방산주재관의 역할 ··············································401

10. 핵심부품국산화 개발지원 사업 ············································································404
11. 방산수출지원 체계 ·····························································································407
12. 방위산업육성기본계획 ························································································410
13. 병역자원의 안정적 확보 ······················································································412
14. 전문연구・산업기능요원의 병역지정업체 관련 조건 ·············································415
15. 전문연구요원 복무관리 기준 ···············································································418

 

Ⅳ. 행정안전 • 421
1. 행정일반 분야 423
01. 공무원 정년 ·········································································································423
02. 관리자급 여성공무원 할당제도 ············································································427
03. 공무원 휴가제도········ ··························································································429
04. 퇴직공직자 취업제한제도····················································································431
05. 공직자 재산등록제도····· ······················································································434
06. 개인정보 보호책임자 처벌규정 ··········································································437
07. 개인영상정보 처리의 법적 개선 ··········································································439
08. 공공데이터 이용 활성화 ······················································································442
09. 전자정부추진위원회의 법적 근거 ······································································445
10. 정보공개제도 ·······································································································448
11. 공휴일 제도···································· ·····································································450
12. 공중화장실 안전관리 ···························································································453
13. 행정사 제도 ·········································································································456
14. 행정조사 제도·····································································································459
15. 현충시설의 지정 및 관리체계 ···········································································462
16. 의무 또는 단기복무 제대군인에 대한 취업지원 ··················································466
17. 보훈단체 수익사업 ·······························································································469
18. 국가보훈대상자 고령화에 따른 의료지원 제도····················································473
19. 국립묘지 운영 및 관리 체계 ·············································································477
2. 지방행정 분야 480
01. 지방자치단체의 특례시 지정제도·· ······································································480
02. 인구감소지역 지원방안 ························································································483
03. 주민자치회제도 ··································································································486
04. 선출직 지방공직자 주민소환제도 ······································································489
05. 지방의회 인사권 ··································································································492
06. 지방의회 인사청문회 제도··················································································494
07. 지방세 납세자 보호관 제도····· ············································································497
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08. 자동차세 ··············································································································500
09. 지역자원시설세 ····································································································503
10. 고향사랑기부제 ····································································································506
11. 재정분권 이후 재정형평화 ··················································································509
12. 지방교부세 ···········································································································513
13. 지방소멸에 대응하는 지방재정 ············································································516
03. 안전 분야 519
01. 자치경찰제도···· ···································································································519
02. 국가수사본부 설치 ·······························································································522
03. 정보경찰의 활동범위 ·························································································525
04. 도로 외의 구역 보행자 보호 ·············································································528
05. 고령운전자에 대한 인지검사 ·············································································531
06. 총기소지허가자 관리 ···························································································533
07. 개인형 이동수단의 입법화 ··················································································537
08. 자전거 우선도로의 통행방법 ···········································································540
09. 난폭운전 관련 쟁점 ·····························································································543
10. 집회・시위소음 규제 ···························································································545
11. 중앙재난안전대책본부장의 지휘체계 ··································································548
12. 포항지진 진상조사 및 피해자 지원 ····································································550
13. 간이스프링클러 설치사업 ····················································································553
14. 민방위 대피시설 ··································································································555
15. 재난취약계층에 대한 안전관리체계 ·····································································558
16. 소방시설공사 분리발주 ························································································561
17. 119 비응급 서비스 이용에 대한 비용부과 방안 ··············································564
집필자 명단 566

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보건의료 연구개발사업의 현황 및 개선과제.pdf
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Ⅰ. 들어가며
Ⅱ. 보건의료 연구개발사업 관련 현황, 법령 및 주요 계획
Ⅲ. 보건의료 연구개발사업의 문제점
Ⅳ. 개선과제


■ 보건의료 분야는 국민의 건강한 삶과 직결되는 분야이고, 미래유망산업에 해당함. 보건의료 연구개발사업의 예산은 꾸준히 증가하고 있지만 그 성과는 높지 않을 뿐만 아니라 공익적 활용도 미흡함

■ 보건의료 연구개발의 효율성과 공익적 활용을 보다 높이기 위해서는 다음과 같은 개선방안을 모색할 필요가 있음
- 첫째, 한국보건산업진흥원 등 보건복지부 내 다수 기관이 전염병, 암 등 다양한 질병 분야의 연구개발사업을 각각 추진하고 있어 과제 중복 등 비효율이 발생할 우려가 있으므로, 연구개발사업 기획관리 업무를 전문기관이나 질환별 전담기관으로 통합할 필요가 있음
- 둘째, 보건복지부 외에 과학기술정보통신부 등 다양한 부처에서 각각 보건의료 연구개발사업을 기획 관리하고 있으므로 다부처 공동기획사업을 확대하고, 국가과학기술자문회의의 조정기능 강화를 통해 부처 간 칸막이에 따른 비효율성을 감소시킬 필요가 있음
- 셋째, 보건의료 연구개발의 공익적 활용을 제고하기 위해서 공중보건위기, 사회문제해결 등 공공성 관점에서의 가치 반영을 강화해야 함. 또한 다양한 국민 참여 방안을 모색함으로써 국민의 체감도를 제고하고, 연구개발 관리운영의 투명성 및 의사결정의 균형성을 확보해 나가야 할 것임

 

화, 2020/11/24- 08:39
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일본의 「문화관광추진법」 제정의 주요내용과 시사점.pdf
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1. 배경 및 경과
2. 주요 내용
3. 시사점


■ 일본 「문화관광추진법」의 제정배경
- 일본은 제32회 도쿄 올림픽·패럴림픽을 계기로, 문화의 진흥을 관광과 지역 활성화에 연결하고, 이에 따른 경제적 효과가 문화진흥에 재투자되는 선순환을 창출하고자 하였음
- 이에 법률 제정을 통해 “기본방침”과 “거점계획” 등을 체계적으로 수립하는 한편, 주무대신(主務大臣)의 책임 하에 문화관광 거점시설을 승인하고 중앙과 지역의 문화관광 정책이 유기적으로 연계될 수 있도록 하고자 함

■ 법률의 주요 내용
- 역사적·문화적 배경을 고려한 문화 자원의 매력을 관광객들에게 소개함으로써 문화적 이해 심화, 문화자원 보존활용시설의 기능 강화, 다국어지원, Wi-Fi 정비, 교통편의 증진, 박물관 등 문화시설에 대한 지원, 적극적인 관광객 유치와 홍보 등을 통해 문화관광 거점시설을 중심으로 지역문화관광이 활성화 될 수 있도록 국가와 지방자치단체의 의무와 역할 등을 규정하고 있음

■ 시사점
- 일본은 향후 코로나 19가 진정되면 외래 관광객의 방문과 국내 관광수요가 크게 증가할 것으로 예상하여, 지금부터 관광 콘텐츠의 확보와 문화관광 자원의 내실화를 위한 사전 대비를 철저히 하려는 것으로 보임
- 우리의 경우 「지역문화진흥법」에 따른 문화도시 정책을 성공적으로 안착시키는 한편, 문화시설 및 문화재 관광자원화 정책을 지속적으로 발굴하고, 외래 관광객의 편의서비스를 증진시킬 수 있는 다양한 방안을 강구할 필요가 있음

화, 2020/11/24- 08:41
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아동·청소년 인터넷 중독 대응정책 현황과 개선과제:사업의 유사·중복성을 중심으로.pdf
0.61MB

 

Ⅰ. 문제 제기
Ⅱ. 아동·청소년 인터넷 중독 현황과 대응정책
Ⅲ. 아동·청소년 인터넷 중독 대응정책 유사·중복성 분석
Ⅳ. 정책적 개선 과제


■ 아동·청소년 인터넷 중독 대응정책은 범정부 차원에서 추진 중임
- 아동·청소년 인터넷 중독 예방 및 해소정책은 과학기술정보통신부·여성가족부·보건복지부 등에서 담당하고 있으며, 게임·도박·사이버폭력의 경우 개별 소관 기관이 관련 정책을 추진 중임

■ 부처간 유사·중복의 문제가 있는 사업에 대한 개선 검토가 필요함
- 과학기술정보통신부와 여성가족부, 보건복지부와 여성가족부 등에서 추진하고 있는 인터넷 중독 예방 및 해소와 관련한 일부 사업에서 유사·중복적인 측면이 있음
- 부처간 유사·중복 사업의 경우 업무 조정의 필요성 및 개선 여부에 대해 합리적 검토가 필요함

■ 유사·중복적 성격의 사업은 아니지만, 사업 보완이 필요한 영역에 대해서도 대응 방안을 마련할 필요가 있음
- 아동·청소년 인터넷 중독 대응을 위해 특정 매체 중심으로 사업을 시행하는 것이 합당한지 검토할 필요가 있음
- 아동·청소년 인터넷 중독 대응을 위한 사업을 시행함에 있어 개별 기관의 전문성을 적극 활용하기 위한 방안을 검토할 필요가 있음

화, 2020/11/24- 08:46
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해외경제 포커스 (한국은행).pdf
6.67MB

▣ 해외경제 포커스 제2020-43호(11.13일) (목차 및 주요 내용)

 

<포커스 브리프>

 

<최근 해외경제 주요 이슈> 

 

   1) 미국, 영구적 실업자수 빠르게 증가

 

   2) 유럽, 고용유지 지원을 위한 EU의 첫 사회적 채권 발행

 

   3) 중국, 친환경 자동차 산업 집중육성 계획 발표

 

   4) 러시아, 코로나19 재확산으로 실물경제 타격 우려

 

     [참 고] 일본, 스가 총리의 경제정책 방향 및 평가

 

   5) 국제곡물가격, 가파른 오름세 지속

 

 

<주요 신규 경제지표> 

 

<주간 발표 예정 해외경제지표 및 시장전망> 

 

 

※ 최신 해외학술 정보

 

※ 주요국의 경제지표

화, 2020/11/24- 09:03
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↓토론회 자료집↓

 

자료집_2021년도 서울시 및 교육청 예산안 분석 토론회.pdf

 

drive.google.com

 

↓보고서 전문↓

 

2021 서울시 및 교육청 예산안 분석보고서 (최종).pdf

 

drive.google.com

 

 

 

 

화, 2020/11/24- 09:35
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코로나19재확산에따른해외봉쇄정책현황과시사점(국회예산정책처).pdf
0.27MB

< 차 례 >

1. 코로나19 확산 현황

2. 코로나19 재확산과 봉쇄정책 현황

3. 봉쇄정책과 소매판매 감소의 관계성 점검

4. 시사점

화, 2020/11/24- 09:53
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↓토론회 자료집

 

자치분권 실현을 위한 정책토론회 자료집.pdf

 

drive.google.com

화, 2020/11/24- 10:18
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중앙은행 디지털화폐 관련 중국 암호법의 시사점 (국회입법조사처).pdf
1.08MB

 

1. 중국 중앙은행 디지털화폐 관련 최신 동향
2. 「중국 암호법」의 주요 내용
3. 중앙은행 디지털화폐 관련 「중국 암호법」 분석
4. 우리나라에 대한 시사점


■ 중국은 5만 명의 주민들에게 1인당 200위안씩 디지털위안화를 시범적으로 배포하는 등 중앙은행 디지털화폐 발행 준비에 박차를 가하고 있음

■ 중국 정부는 디지털위안화 발행의 ‘사전 포석’ 내지 ‘법적 기반’으로 평가되고 있는 「중국 암호법」을 2020. 1. 1.부터 시행하고 있음
- 중국은 법정 화폐에 디지털 형식도 포함하는 내용의 「중국 인민은행법」 개정 초안을 2020. 10. 23. 공개하여 2020. 11. 23.까지 의견을 청취할 예정인바, 중국 정부의 암호기술 통제 근거인 「중국 암호법」을 디지털위안화 발행과 관련하여 분석할 필요가 있음
- 「중국 암호법」 상 국가 기밀정보를 보호할 목적으로 사용되는 핵심암호·일반암호는 중국 정부의 지도, 감독, 검사 등의 통제를 받으며, 국가 기밀이 아닌 정보를 보호하는 상용암호는 국민경제·국민생활·공익 등과 관련될 경우에 인증기관의 인증을 받아야 함

■ 우리나라의 경우에도 이미 「전자문서 및 전자거래 기본법」 제14조에서 “정부는 국가안전보장을 위하여 필요하다고 인정하면 암호제품의 사용을 제한하고, 암호화된 정보의 원문 또는 암호기술에의 접근에 필요한 조치를 할 수 있다”는 점을 규정하고 있으나, 그 적용 범위와 내용이 불분명하여 구체화시킬 필요가 있음

■ 한국은행은 디지털화폐 관련 암호기술에 대하여 과학기술정보통신부 등 유관기관과 협력을 강화할 필요가 있으며, 디지털화폐 관련 암호기술 사업 지원 및 특허 확보 등을 통하여 우리나라 지급결제 시스템의 선진화를 모색해야 할 것임

화, 2020/12/01- 09:07
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보고서 전문↓

 

2020 한국 1인가구 보고서 (KB경영연구소).pdf

 

drive.google.com

 

[목차]

 

01. 한국 1인가구의 현황
02. 1인 생활 의향과 1인생활의 장단점
  1. 1인 생활의 동기와 만족도, 결혼 의향
  2. 1인 생활의 어려움과 우려
03. 1인가구의 성향과 생활 방식
  1. 1인가구의 성향과 가치관
  2. 1인가구의 생활 행태, 코로나19의 영향
04. 1인가구의 주거와 소비
  1. 1인가구의 주거 현황
  2. 1인가구의 소비 생활
05. 1인가구의 금융 니즈 및 행태
  1. 금융자산, 대출 보유 현황
  2. 투자, 결제수단 이용 현황
  3. 은퇴 및 미래준비 성향

 

화, 2020/12/01- 08:55
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2020 미국 대선 결과 분석 (국회입법조사처).pdf
3.73MB

 

Ⅰ. 2020 미국 대선 결과
1. 2020 미국 대선 일정과 선거 결과
2. 2020 미국 대선 결과 주요 특징
3. 트럼프 시대에서 바이든 시대로의 변화

Ⅱ. 미국 정치정세
1. 선거 환경: 현직 대통령의 재선 도전과 코로나19 확산
2. 투표 및 개표 결과: 기록적인 투표율과 트럼프의 선전
3. 선거 이후 미국 정치 전망: 정치 양극화의 지속
4. 바이든 행정부 구성 전망

Ⅲ. 미국 대외정책
1. 대외정책 기조
2. 대외정책 전망
3. 대응방향

Ⅳ. 미국 대북정책
1. 미국 대북정책의 변화
2. 미국 대선 이후 대북정책에 대한 북한의 인식과 대응방향
3. 미국 대선 이후 대북정책에 대한 한국의 인식과 대응방향

Ⅴ. 미국 경제통상정책
1. 바이든 당선자의 경제·산업·통상 정책
2. 대응방향

Ⅵ. 미국 기후변화·환경정책
1. 바이든 당선자의 새로운 기후변화 비전
2. 기후변화·환경정책 전망과 대응방향

Ⅶ. 주요 해외 반응

〈부록〉 미국 연방대통령 선거제도
1. 미국 연방대통령 선거제도의 개요
2. 미국 대통령선거 절차

 

화, 2020/12/01- 09:26
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2020 한국 부자보고서 (KB경영연구소).pdf
1.48MB


(요약본)2020 한국부자보고서 (KB경영연구소).pdf
1.42MB

[목차]

특집. 한국 부자 연구 10년, 부자의 변화를 보다
  01 지난 10년의 금융환경 변화
  02 한국 부자 수와 자산 변화
  03 한국 부자의 금융 활동 변화

1. 한국 부자 현황
  01 한국의 부자수와 금융자산 규모
  02 한국 부자의 자산 포트폴리오
  03 부자의 기준

2. 부자의 투자 행태
  01 부자의 투자 성향
  02 부자의 투자 행동
  03 부자의 향후 투자 전략

3. 부의 생애
  01 부의 원천
  02 부의 성장 동력
  03 부의 이전

4. <이슈> 코로나19에 따른 한국 부자의 소득과 자산 변화
  01 코로나19에 따른 소득 영향
  02 코로나19에 따른 자산 영향

 

화, 2020/12/01- 08:18
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코로나19 위기에 따른 가계저축률 상승 고착화(level-up) 가능성 (한국은행).pdf
0.69MB

 

Ⅵ. 시사점
   금번 위기 과정에서 단기적으로는 비자발적 소비제약이 주된 가계저축률 상승 요인으로 작용하고 있다. 이러한 단기적 저축률 상승은 코로나19 확산이 진정된다면 이른바 pent-up 소비에 힘입어 향후 상당 부분 되돌려질 것으로 보인다. 그러나 위기가 장기화될수록 경제주체의 행태 변화가 나타나면서 높아진 저축률이 고착화(level-up)될 가능성이 있다. 이는 금융위기(2008년) 이후 높아진 개인저축률이 구조적 요인으로 인해 상당기간 유지된 미국의 사례와 유사한 측면이 있다.
   이러한 가계저축률 상승은 불확실성 증대에 따른 투자부진, 인구 고령화 등으로 잠재성장률이 낮아진 우리 경제에 향후 적지 않은 부담으로 작용할 우려가 있다. 우선 금융위기 이후 지속되어 온 소비부진이 앞으로도 장기화될 수 있으며, 이를 해결하기 위한 내수부양 정책의 효과도 1990년대 일본의 사례에서처럼 약화될 소지가 있다. 또한 저성장·저물가·저금리 현상이 뉴노멀(new normal)이 될 가능성도 배제하기 어려운 상황이다. 이는 향후 거시경제정책의 경기대응 여력을 제약하는 요인으로 작용할 수 있다.
   이를 감안할 때 높아진 가계저축률의 고착화를 초래할 수 있는 가계 소득여건 악화 및 신용제약 증대, 소득 불평등 심화 등 구조적 요인을 완화할 수 있는 정책적 노력이 필요할 것으로 보인다.

화, 2020/12/08- 18:29
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