부유층자산관리사업운영(최종).hwp

Similar documents
부유층자산관리사업운영(최종).hwp

105È£4fš

설계사생산성제고방안(최종).PDF

<28C1A C8A32920B9CCB1B920BEE7C0FBBFCFC8ADC1A4C3A5C0CC20B1B9B3BBB0E6C1A6BFA120B9CCC4A1B4C220BFB5C7E22E687770>

untitled

<30352D30312D3120BFB5B9AEB0E8BEE0C0C720C0CCC7D82E687770>

歯mp3사용설명서

<C3CA3520B0FAC7D0B1B3BBE7BFEB202E687770>

<BFACBAB832342D3033C5F0C1F7BFACB1DDC8B0BCBAC8ADB8A6C0A7C7D1BCBCC1A6C3BCB0E8BFACB1B82E687770>

歯연보99-6.PDF

[연보03-01]민영건강보험의언더라이팅선진화방안.PDF

歯연보01-10.PDF

<BACFC7D1B3F3BEF7B5BFC7E22D3133B1C733C8A BFEB2E687770>


歯 PDF

歯bok9.PDF

실버보고서(최종).PDF

TOHOXKYNAIAX.hwp

연구보고서_final.PDF

歯연보00-5.PDF

±¹Á¦ÆòÈŁ4±Ç1È£-ÃÖÁ¾

歯연보00-5.PDF

(지도6)_(7단원 202~221)

최종보고서.PDF

한국 교과서의 현상 분석겉표지속표지97.PDF

BS°æÁ¦ÀλçÀÌÆ®7.22

분석결과 Special Edition 녹색건물의 가치산정 및 탄소배출 평가 이슈 서 민간분야의 적극적인 참여 방안의 마련이 필요하다. 또한 우리나라는 녹색건축의 경제성에 대한 검증에 대 한 연구가 미흡한 실정이다. 반면, 미국, 영국, 호주 등은 민간 주도로 녹색건축물


Valuation (DCF Multiple ) VIII Case Study 3 1 NOA, IBD ( 1 ) 2 ( 2 ) 3 (DCF 3 ) 4 WACC (DCF 4 ) 5 EBITDA (Multiple 3 ) 6 Multiple (Multiple 4 ) 7 ( 5

歯연보01-04.PDF

歯신용카드시장현상.PDF

歯FFF01288.PDF

기업은행현황-표지-5도

투자권유_2010수정

01_C

hwp

공청회자료(최종).PDF

±¹¹® »ï¼º Ç¥Áö ¹Û

88 KOREA INSTITUTE OF LOCAL FINANCE

108 KOREA INSTITUTE OF LOCAL FINANCE

untitled


334 退 溪 學 과 儒 敎 文 化 第 55 號 角 說 에서는 뿔이 난 말과 고양이라는 기형의 동물을 소재로 하여 당대 정치 상 황을 비판하였고, 白 黑 難 에서는 선과 악을 상징하는 색깔인 白 과 黑 이 서로 벌이 는 문답을 통하여 옳고 그름의 가치관이 전도된 현실세

<4B C0CEBBE7C0CCC6AE D323720C0CEBCE22E687770>


권두논단(2월).hwp

Microsoft Word be5c80390f90.docx

<C0FAC0DBB1C7B4DCC3BCBFACC7D5C8B85F BFACC2F7BAB8B0EDBCAD5FB8E9C1F62CB3BBC1F62E687770>

hwp

장기계획-내지4차

歯목차.PDF

마사코.PDF

歯FFF01379.PDF


......(N)

13.11 ①초점

!! ÒªÛ±‚» (05.1)-PDFøÎ.pdf

173*243-³»Áö-1Æí-ÃÖÁ¾



SAMJONG Insight 제19호

2.BFL_63호 정준혁

<C1B6BBE7BFF9BAB85F325F D322E687770>

untitled

°ø±â¾Ð±â±â

영상5월_펼침면

내지-2도뻂

Áõ±ÇÁ¤º¸Ab72°»ödic143š

실적 및 전망 09년 하반 PECVD 고객 다변화에 따른 실적개선 10년 태양광 R&D 장비 매출을 반으로 본격적인 상업생산 시작 1. 09년 3Q 실적 동사는 09년 3Q에 매출과 영업이익으로 각각 142 억원(YoY 16.7%, QoQ 142%), 6 억원(흑전환)

01.하나금융_일반현황

untitled

Microsoft Word Outlook_증권업_editing_final_f.docx

歯표지_최종H_.PDF

歯 PDF

구대환 (134~153)97.PDF

歯 조선일보.PDF

<C3D6C1BE5FBFACB1B8BAB8B0EDBCAD D30335FC1B6B5BFC3B65FBFECB8AEB0E6C1A6C0C7BFAAB5BFBCBA5F6B E687770>

1. 펀드의 개요 3 2. 운용경과 및 수익률 현황 3 3. 자산현황 5 4. 투자운용전문인력 현황 6 5. 비용현황 7 6. 투자자산매매내역 8 <참고 - 펀드용어정리> 9

ecorp-프로젝트제안서작성실무(양식4)

歯B-W3037.PDF

SRC PLUS 제어기 MANUAL


변액종신-적립형-3분기

, ( ) * 1) *** *** (KCGS) 2003, 2004 (CGI),. (+),.,,,.,. (endogeneity) (reverse causality),.,,,. I ( ) *. ** ***

208 국가정보연구 제2권 1호

歯보험전망2000.PDF

I. A.. ( ).,.,.. ( ) 1), ,.,., ( ),.., YM CA,. ( ) 2), 1), ( :, 1974), p

PDF

KB골든라이프 10월호는 전문직 종사자의 노후설계에 대한 재무적, 비재무적 노하우를 담았습니다. October 2015 Contents 3 테마칼럼 세금 속 노블리스 오블리제, 전문직 사업자의 세금상식 KB국민은행 압구정PB센터 세무팀장 김윤정 3 7 전문가 분석 저금

<BFACB1B8BAB8B0EDBCAD D352E687770>

歯jeong-shik.PDF

歯목차.PDF

통계적 DB보안

¿µ¾÷40p

¤·¤©.PDF

Microsoft Word be5c803872b9.docx

8º»¹®-ÃÖÁ¾-¼öÁ¤


1 (%) Composite leading index OECD EM big

Transcription:

29. 1..,.. (Federal Reserve Board: FRB) 10 (net worth) 10%. LIMRA FRB (Survey of Consumer Finance: SCF) (financial asset). 1) 25 25, 25., 25 50 (m ass afflu ent), 50 100 (afflu ent), 100 500 (high-net-w orth), 500 (pentamillionaries). LIMRA, 14.2%( 6.5%, 7.7%), 85.8%. 1) LIMRA International(2003b), p. 10.

30 < -1> ( : $, %, ) 249,999 85.8 91.4 m ass afflu ent 250,000 499,999 6.5 6.9 afflu ent 500,000 999,999 4.3 4.6 high net w orth 1,000,000 4,999,999 2.9 3.0 p entam illion aries 5,000,000 0.5 0.5 : LIMRA Intern ational(2003b), p. 10. LIMRA (income), 10 10, 10., 10 20 10.2%, 20 3.8%. < -2> ( : $, %, ) 99,999 86.0 91.6 m ass afflu ent 100,000 199,999 10.2 10.8 afflu ent 200,000 3.8 4.0 : LIMRA Intern ational(2003b), p. 10.,., 10%.

31 10%.,,, (n et w orth).,,, (total investable assets).. 1) (S urvey of Cons ume r Fina nce),., (oversampled the low-incom e h ou seh old).,. FRB 3,,. (Internal Revenu e Service). FRB (Survey of Consum er Finance: SCF),.,,,,,

32,,,,,,,,,,. /, 10%. < -3> SC F - (CD),, (, ), (, ) - (,, ) ( ) (, ) : Kennickell, Arthur B.(2003), p. 22. SCF. 2001 42.2%, 57.8%, 12.1%. 1989 30.9% 2001 42.2%, 1990. 50% 19.1%, 5 50%

33 35.9%, 5 10% 50.7%.. 50% 56.2%, 5 50% 19.4%, 5 10% 8.9%, 1 5% 1% 6.0%, 2.4 %.., 50% 43.8%, 1% 97.6%. < -4> ( ) ( : %) 0 50 50 95 90 95 95 99 99 100 1989 2001 1989 2001 1989 2001 1989 2001 1989 2001 1989 2001 22.5 19.1 26.1 35.9 33.2 50.7 36.8 47.9 32.3 45.1 30.9 42.2 2.5 6.0 5.6 17.1 8.2 28.9 11.6 29.1 11.8 26.8 8.8 23.5 77.5 80.9 73.9 64.1 66.8 49.3 63.2 52.1 67.7 54.9 69.1 57.8 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 57.7 56.2 19.1 19.4 9.5 8.9 5.3 6.0 2.5 2.4 12.4 12.1 42.3 43.8 80.9 80.6 90.5 91.1 94.7 94.0 97.5 97.6 87.6 87.9 : Kennickell, Arthur B.(2003), p. 23. 2), 10% 1989 67.4 % 2001 69.8% 2.4 %p. 2001 5% 57.7%, 1% 32.7%.

34 < -5> ( : %) 0 49.9 50 89.9 90 100 90 94.9 95 98.9 99 100 1989 2.7 29.9 67.4 13.0 24.1 30.3 1992 3.3 29.7 67.2 12.6 24.4 30.2 1995 3.6 28.6 67.8 11.9 21.3 34.6 1998 3.0 28.4 68.6 11.4 23.3 33.9 2001 2.8 27.4 69.8 12.1 25.0 32.7 : Kennickell, Arthur B.(2003), pp. 17 21. 1989 10%. 1989 34.8%p, 2001 39.6%p. < -1> 3), 10% 72.2%, 27.8%

35. 5% 58.1%, 1% 31.5%. < -6> (2001 ) ( : %) 0 49.9 50 89.9 90 100 90 94.9 95 98.9 99 100 100.0 6.0 32.7 61.4 13.3 21.9 26.2 CD 100.0 4.3 53.5 42.2 17.3 18.7 6.2 100.0 0.8 9.4 89.8 8.9 22.5 58.4 100.0 0.5 11.4 88.1 9.9 25.3 52.9 100.0 0.9 20.5 78.6 17.9 32.6 28.1 100.0 3.3 36.4 60.3 17.6 29.1 13.6 100.0 7.2 46.5 46.2 15.6 17.9 12.7, 100.0 0.3 13.0 86.6 12.1 28.3 46.2 100.0 4.1 17.1 78.8 5.3 33.1 40.4 100.0 2.5 25.3 72.2 14.1 26.6 31.5 : Kennickell, Arthur B.(2003), p. 21. 4), 42.9%, 10% 57.1%. < -7> (2001) ( : %) 0 79.9 80 89.9 90 100 31.4 11.5 57.1 : http :/ / www.federalreserve.gov/ pubs/ oss/ oss2., 10%

36. 69.8% 10%, 72.2% 57.1%.,,,.. < -2> / / (2001).., 10%, 2001. 1) 2003 4 10%. 4

37 3. 2003 4 6 50, 65. 5% 32 5, 1% 6 5. < -8> (2003) ( : ) 1 2 3 4 5 6 7 4 2,505 3,076 3,211 4,720 1,387 291 108 6,502 15,298 : http :/ / kosis.nso.go.kr. < -9> ( : ) 2001 2002 2003. 9. (0 90%) 5,851,655 5,851,514 5,852,502 0 75% 4,876,379 4,876,262 4,877,085 75 90% 975,276 975,252 975,417 ( 10%) 650,184 650,168 650,278 5% 325,092 325,084 325,139 1% 65,018 65,017 65,028 6,501,839 6,501,682 6,502,780 2). 3,,

38., 2000 1,424, 80% 788, 10 20% 2,331, 10% 5,611. < -10> (2000) ( : ) 0 80 80 90 90 100 2,408.6 1,632.3 3,663.5 7,362.9 984.2 844.6 1,332.6 1,752.1 1,424.4 787.7 2,330.9 5,610.8 : (2002). 2000 2001 2003, 2003, 1,430, 80% 667. 10 20% 2,482, 10% 6,731. < -11> (2003 ) ( : ) 0 80 80 90 90 100 3,279.2 2,254.2 4,987.7 10,024.3 1,849.7 1,587.4 2,504.5 3,292.9 1,429.5 666.7 2,483.2 6,731.4 (1 )

39 200., 52.1%.,,.,.,,.,,. 2003 9 1,013 8,860, 514 4,780, 499 4,080. < -12> ( : 10, %) 1980 21,200 6,344 14,856 17.8 1985 62,885 27,014 35,871 17.3 1990 195,584 89,383 106,201 22.5 1995 466,891 214,645 252,246 17.2 2000 798,516 329,339 469,176 7.4 2001 878,732 398,732 479,999 2.3 2002 980,876 501,505 479,371-0.1 2003.9 1,013,886 514,478 499,408 - : http :/ / ecos.bok.or.kr.

40, ( ),, ( 3 )....,,. 2001 85.7%, 2002 87.5%, 2003 9 85.5%., 85.5%. < -13> ( : 10, %) 2001 2002 2003.9 (A) 341,673 439,060 439,948 (B) 398,732 501,505 514,478 / (A/ B) 85.7 87.5 85.5 : http :/ / ecos.bok.or.kr. 867, 439 9,480, 427 610., 60.1%( 2.9%, 57.2%), 19.5%, 8.5%, 6.0%.

41 < -14> (2003 9 ) ( : 10, %) 25,422-25,422 2.9 495,634-495,634 57.2 168,921-168,921 19.5 4,893-4,893 0.6 73,978-73,978 8.5 51,688-51,688 6.0-402,303-402,303 0.0-1,814-1,814 0.0 14,874-14,874 1.7-22,989-22,989 0.0 31,599 12,842 18,757 3.6-427,061 - - 867,009 439,948 427,061 100.0 : = -. 3) ) 2003 9. (1993 1998) (1997 2000) (, 2001;, 2003)., (downw ard bias)., 1998 10% 42.7%, 39.8% 2), 29.9%,

42 48.3%. 30%p.,.,,. 3) 2003 9 427 30.2%, 129 3,995. 10% 69.8%, 298 887, 5% 57.7%, 246 4,143, 1% 32.7% 139 6,490. < -15> ( : ) 2001 2002 2003. 9. (0 90 ) 1,246,273 1,271,636 1,293,995 0 75 547,044 558,177 567,991 75 90 699,229 713,459 726,004 ( 10%) 2,870,951 2,929,378 2,980,887 5% 2,373,265 2,421,564 2,464,143 1% 1,344,987 1,372,359 1,396,490 4,113,111 4,196,817 4,270,612 2) 5% 28.5%, 26.5% 29.6%p, 32.2%p., 1% 11.8%, 10.4 % 19.7%p, 22.3%p. 3), 2001 10% 23.2%, 30.5%.

43 < -3>, 2003 9 1 6,567, 2,211. 10% 1 4 5,775, 5% 7 5,787, 1% 21 4,753. < -16> 1 ( : ) 2001 2002 2003. 9. (0 90 ) 2,130 2,173 2,211 0 75 1,122 1,145 1,165 75 90 7,170 7,316 7,443 ( 10%) 44,093 44,991 45,775 5% 73,003 74,490 75,787 1% 206,863 211,078 214,753 6,326 6,455 6,567

44 < -4 > 1 ) 3. 2,, 2,700,,. 10%, 2002 2000. 2000 2001 2003 2003 9 4). 4) (1 10 ),. 2002

45 2000, 1 3,036, 80% 2,142, 10 20% 3,664, 10% 8,749.. 58.3 61.9%, 10% 38.5%., 10% 41.4 %, 7.3%, 10.1%,. < -17> (2000 ) ( :, %) 0 80 80 90 90 100 1,640.2 1,283.3 2,770.6 3,364.0 (54.0) (58.3) (61.9) (38.5) 921.9 549.8 1,194.8 3,625.7 (30.4) (24.1) (26.7) (41.4) 165.9 99.6 225.1 636.5 (5.5) (5.0) (5.0) (7.3) 168.2 161.0 158.0 236.5 (5.5) (10.1) (3.5) (2.7) 139.7 48.0 125.8 886.3 (4.6) (2.4) (2.8) (10.1) 3,035.9 2,141.7 4,474.4 8,748.9 (30.4) (24.1) (26.7) (41.4) :. : (2002). 2001 5.1%, 2002 11.2%, 2003 1 9 10% 3.2%, 80 90 7.1%, 0 80 8.3%.,.

46 9.9%, 2003 9. 3,933, 80% 2,774, 10 20% 5,796, 10% 1 1,333., 1 1.., (undersampling),. < -18> (2003) ( : ) 0 80 80 90 90 100 3,932.5 2,774.3 5,795.9 11,332.8 ) 5 (2004 2008) 10% 1. 10% SCF 1992 2001, 10% 65.2%, 7.24 %. 10% 7.24 %, 2005 343, 2006 368, 2007 394, 2008 423., 1 2005 5 3, 2006 5 7, 2007 6 1

47, 2008 6 5. < -19> ( : ) 2004 2005 2006 2007 2008 3,196,704 3,428,145 3,676,343 3,942,510 4,227,947 1 4.9159 5.2718 5.6535 6.0628 6.5018 < -5> < -6> )

48,,.,.. 2.,.,,. 2001 2003 2003 5). LIMRA Intern ational McKinsey & Com p any 1:1 10. 708 6. 5) ACNielsen,, 2003.

49 < -20> ( :, ) emerging affluent 122 21 44 25 50 young affluent 147 30 54 50 1 mature affluent 108 55 70 50 1 young high net worth 115 30 54 1 3 mature high net worth 132 55 70 1 3 very high net worth 84 30 70 3 : LIMRA International(2002b), p. 30. 5,, 507. < -2 1> ( :, %) 5 10 10 20 20 30 30 50 50 170 156 82 70 29 507 33.5 30.8 16.2 13.8 5.7 100.0. (Fina ncia l Pla n Se rvice) 1) ) 54%, 46%.,

50 68.5%, 31.5%. (84.8%), (57.1%). < -7> : LIMRA International(2002b), p. 10. 89.5%,. 20 21%, 30 43%. < -8>

51 27.8%, (56.7%), (51.1%), (39.7%).. < -9> 60.4 %, 85.1%, 50.8%. ),.,,,,,.,,,,

52,,,... < -22> ( : %) 90 93 78 78 80 73 67 57 73 60 63 51 63 62 42 47 60 53 33 30 54 44 36 26 47 60 46 31 37 50 36 44 34 44 11 35 40 31 45 32 29 32 28 20 28 38 15 43 16 17 16 21 : LIMRA International(2002b), p. 11. 6) (55.6%), (46.5%), (39.8%), (35.3%), (21.1%).,,,,, 6) 1 2

53.. < -10> 2) ) 93% 1, 1 1.7. 3 2.7, 2.4., 45% PFA 7). 44% PFA,, PFA 3%, 8%. 7) primary financial advisors(pfa).

54 < -11> PFA : LIMRA International(2003a), p. 10. PFA, PFA. (certified financial planner: CFP) PFA 43%, 30%, 16%., 4%, 3%, 2%. < -12> PFA : LIMRA International(2003a), p. 11.

55 ) PFA,, CFP PFA,,. 40%, 38%, CFP 31%, 21%, 64 %, 24%. < -13> : LIMRA International(2003a), p. 14. 51%,, 23%, 26%., 23%.,.

56 < -24> ( : %) 26 51 23 : LIMRA International(2002b), p. 16.,. 3 75% PFA, 1 3 66.7% PFA.. 50 64, 65. < -25> ( : %) 40 40 49 50 64 65 31 23 35 21 3 5 6 10 3 14 11 12 8 13 13 22 55 45 35 35 : LIMRA International(2002b), p. 21.,, 1990

57. ),,, PFA. 96%, 82%, CFP 81%.,,.. < -14> FP ) PFA 62%, PFA. 56%, 6%, 38%

58. < -15> PFA : LIMRA International(2003a), p. 19. PFA, 45%. 44%,,,. PFA, 3 18%, 3 5 26%, 6 10 25%, 10 31%. 50% PFA 5 PFA.

59 < -16> PFA : LIMRA International(2003a), p. 18. ), 50%. 1/ 3, 1/ 4... 1).,

60. 96%, 2.1, 55%, 1.6. 51% 2.2, 47% (full service brokerage firm s). < -26> ( : %, ), 96 2.1 46 36 55 1.6 39 39 51 2.2 43 41 fu ll-service brokerage firm s 47 1.4 39 40 d iscou n t brokerage firm s 31 1.2 36 39 financial planing firm s 24 1.1 47 34 3 1.5 - - : LIMRA International(2003a), p. 24. 2) (prim ary financial in stitution : PFI) 61%. 10%, 6%, 4 %.

61 < -17> : LIMRA International(2003a), p. 27., PFA, PFA. < -27> PFA ( : %) PFA PFA 53 84 6 0 3 1 fu ll-service brokerage firm s 13 2 discou nt brokerage firm s 1 0 financial planning firm s 15 8 1 3 8 2 : LIMRA International(2003a), p. 19.

62.,.,,., 16.8%, 12.8%, 27.0%.. < -18>, (ch ecking account),,.,,.,

63 (fin ancial p lannin g firm ) PFA,. < -28> checking account / full-service brokerage firm ( : %) financial planning firm s 51 58 33 40 39 47 49 71 28 1 7 23 42 27 38 57 72 66 37 39 49 43 32 28 20 16 40 19 33 29 PFA 19 6 21 12 56 64 : LIMRA International(2003a), p. 28.. 78.1%. 28.2%, 17.6%, 15.3%, 38.7%..

64 < -19> 3) 48% (retirem ent accou nts), 93%. 31 6, 401(k), 403(b) 80%, IRA, Keogh 72%. 52%,, 17%, 14 %, 9%, 6%, 3%, 1%.,,,,,,.

65 < -29> ( : %, $) 93 316,300 48 401(k), 403(b) 80 224,200 33 IRA, Keogh 72 164,700 15 98 497,600 52 91 85,600 17 65 319,300 14 60 140,600 9 25 192,400 3 44 105,100 6, 8 214,000 1 20 204,800 4 : LIMRA International(2002a), p. 12. 69%,, 3. 28%, 30%, 20%, 8%. < -20> : LIMRA International(2003a), p. 25.

66,, 44.7%, 20.2%, 15.9%, 9.1%, 9.0%, 8) 1.0%.,. 20,,, 20. < -21> 4). 37%,. 47%, 45%, 8%. 8),,.

67 < -22> : LIMRA International(2003a), p. 32., (security).,,,. 9),.,., (save m on ey),,,,. 9) 50% PFA 5,.

68,.., fu ll-service brokerage firm s 52%, 48%, financial planning firm s 42%, 40%, discou nt brokerage firm s 30%, 13%. < -23> : LIMRA International(2003a), p. 39. full-service brokerage firm s,., (60.0%), (44.9%), (41.8%).

69. < -24> : 1+2.. 1). LIMRA, 75%, 50%, 88%, 67%.., (17%) (22%). (w ealth transfer).

70. < -30> ( : %) 67 49 27 88 : LIMRA International(2002a), p. 23.,. 83% 1.9, 77% 1.8, 76% 1.8, 75% 2.4.,,,,,,,,., 3. < -25>

71 14.8%, 6.3%, 3.7%. + 77.1%, 75.5%, 74.0%. < -26> : 3. 74.0%. 30%., 44 48%..,,. financial advisor

72.,,. < -31> ( : %) 32 31 18 15, 44 46 47 48, 24 23 35 37 100 100 100 100 : LIMRA International(2003c), p. 29. 2) PFA, PFA.,, CFP,, PFA. PFA., CFP 1 41%, 21%, 20% 2. PFA 51%, 46%.

73 < -27> (s econda ry advisors) : LIMRA International(2003a), p. 17. 3),,.,,.,,. CFP,, 1,,,.

74 < -28> :. : LIMRA International(2003a), p. 30.. 38.3%, 21.7%, 18.3% 10). < -29> 10) ' ' 28.3%, ' ' 5.0%, ' ' 2.5%, ' ' 0.8%.

75, (85.1%) (50.8%). ' ' 34.6%, ' ' 27.1%, ' ' 14.7%, ' ' 10.8%., 51.1%, 51.3%, 15.5%. < -30> 3),,. (insu rance) (fin ance),

76,.,.. 60.4 %,,.,,,,..,,.,.,,.,,,.