Earticle

In a recent forum on 'ESG Management and Social Value Controversy' held by environmental groups, ESG management was selected as an appropriate strategy for companies to respond to the climate crisis and extreme weather events. In terms of ESG management, the logic is that companies need to think about how much more to reduce greenhouse gas emissions by 2030. This is because among the three values that companies should pursue, that is, ESG, E symbolizes eco-friendliness. Regarding eco-friendliness, since it is now midsummer, let's mention the heat waves. The global village is stuck in a pit of fire. Like the limits of meteorological science, which can only predict weather, the predictions brought about by heat waves are becoming beyond imagination. The intensity of the heat wave is getting stronger every year. It is a big mistake to judge that the cool air conditioner in the office is comfortable forever. The complex impact of the heatwave is connected to society, economy, agriculture, public sector, health, natural ecosystem, livestock farming, employment, greenhouse gas explosion, air quality deterioration, rapid energy use, and increase in fire and traffic accidents. there is. This entry is branched out again. Explosive. In the atmosphere, people are dying due to thermal diseases and heat waves caused by the heat dome phenomenon, and the marine ecosystem is dying. Torrential rains are devastating mountains, rivers, and even the sea, devastating farmers. It also threatens the food problem, the survival of mankind. Wheat crops are bogged down to such an extent that it is impossible to see the commonly eaten ramen and bread. This is due to the increase in global average temperature due to climate change. Experts warned that even well-to-do developed countries are facing an "unexplainable situation other than the climate crisis", warning that the number of starving people is increasing and that even houses become graves that cannot protect lives. This kind of phenomenon is giving a warning from heaven that the government can reach a level where it can't use its hands. Therefore, an effective strategy to respond to climate change through greenhouse gas reduction is urgently presented. An effective strategy is the logic of ESG management. This means that the ESG management strategy should create a corporate environment for greenhouse gas reduction and expand the supply of new and renewable energy for the transition to a decarbonized society. Of course, the GHG reduction target through the ESG management strategy must be observed with responsibility. In addition, for the ESG management strategy to succeed, not only companies but also the government and the people (consumers and investors) must sail together as a community. The reason why the needle of the coordinates is shaking to reach the destination of responding to climate change through greenhouse gas reduction is because we have no choice but to perish together. In addition, the assertion that "responding to the climate crisis is the responsibility of the company", which is raised by some, is not a responsible attitude for the future, and it is opaque and does not mean that there is no vision.

본 연구에서는 2022년을 기준으로 한 소상공인 지원과 관련된 법제와 정책들을 분석하였다. 소상공인 지원법의 변화과정과 2022년 소상공인 지원정책을 분석하여 시사점을 얻었다. 이후 정책금융이 아닌 민간기업의 결제시스템 분야 내지 온라인대출정보연계대부업의 혁신의 필요성을 주장한다. 소상공인들의 지원을 위해 정부는 중소기업기본법, 소상공인 생계형 적합업종 지정특별법 과 같은 입법을 하였다. 소상공인 지원을 위한 세제 혜택까지 법제화하는 등 시간의 흐림에 따라 소상공인의 경영을 안정화하기 위한 제도적 장치는 강화되고 있다. 특히 2022년 시점에서 소상공인 정책자금 대리대출과 햇살론, 미소금융제도, 대환대출은 모두 적절한 정책적 의도를 가진 지원정책이다. 물론 정책 목표를 달성하고 금융에서 소외된 소상공인들에게 큰 힘이 되는 제도로 분석되었다. 그러나 대상에서 공통적으로 제외되는 소상공인도 발생한다. 이를 경우 금리가 센 사채시장으로 진입할 수도 있는 것이다. 두리 누리 지원사업과 노란우산공제제도, 희망리턴패키지제도, 나들가게 경영지원과 같은 사업은 맞춤형 지원정책이다. 그리고 신사업 창업사관학교와 소상공인 판로지원개척 프로그램에는 마케팅과 교육에 대한 정부지원이 반영되었다. 이러한 검토결과, 정부지원에서 소외된 소상공인 중 자금이 필요한 상공인에게는 1.5금융인 온라인투자연계금융업의 활용도가 높아져야 할 것으로 판단되었다. 온라인투자연계금융업계에서는 소상공인을 위한 상품을 마련하는 노력이 필요할 것이다. 그러나 온라인투자연계금융업은 금융안정성을 위해 업무범위가 한정되어 있다. 금융규제 박스와 같은 공식적인 금융혁신 정책 제도를 잘 활용할 수 있게 하는 정부의 배려도 필요할 것이다.

In this study, we explore the laws and policies related to support for microenterprises as of 2022. We also track the evolution of the laws supporting microenterprises and government policies for microenterprises in 2022. We also argue for the need to innovate the payment system of private companies and the P2P lending business. The government enacted a number of laws to support microenterprises, such as the Framework Act on Small and Medium Enterprises and the Special Act on the Designation of Types of Business Suitable for Livelihood of Micro Enterprises. Over time, the government has been bolstering the institutional mechanisms to help microenterprises stabilize their business, including legal provisions on tax benefits for microenterprises. In 2022, government policies for microenterprises such as the Indirect Loan, the Sunshine Loan, the Smile Finance, and the Debt Relief Loan seemed to be guided by appropriate purposes. The programs are capable of achieving their goals and providing significant support to microenterprises largely neglected by the finance sector. However, many microenterprises still lack access to financial services, which means they may have to resort to private loans with much higher interest. The Durinuri Program, Yellow Umbrella Mutual Aid, Hope Return Package, and Nadeul Store programs are tailored to microenterprises, while the New Business Startup Academy and the Sales Channel Development Program include government support for marketing and training. The discussions suggest the need to increase the use of online investment-linked financial businesses, or P2P loan businesses, by microenterprises not eligible for government support. Moreover, online investment-linked financial businesses need to develop products for microenterprises. However, under the current law, these businesses may only engage in the activities listed in the Act. Thus, the government needs to promote the use of innovative policies and programs such as the financial regulation sandbox.

As we move into the era of the 4th industrial revolution, the real estate brokerage qualification system must change in line with the times. As the real estate market changes rapidly, efforts should be made to revitalize the real estate brokerage business by considering academic characteristics for the future society. For the development of the current domestic real estate brokerage business, it is important to recognize and change the problems that need to be improved while changing the existing systems. Therefore, this study tried to find a way to revitalize the real estate brokerage business in Korea while looking at overseas cases according to the changes in the real estate market and accepting good systems in other countries. First, the lack of professionalism of real estate brokers is a problem, so it is necessary to secure expertise. Since we live in an era that is expanding into international globalization, it is essential for real estate brokerage activities to build and change a system accordingly. Second, a realistic brokerage fee system that is realistically satisfactory to brokers and clients is needed, rather than a formal brokerage fee system. It may not be possible to eliminate conflicts, but it is reasonable to lead them in a desirable direction, such as reducing them to a minimum. Furthermore, it is also a matter to consider raising the limit of liability for damages with a system that protects consumers. In this way, for the development of the real estate brokerage business, it will have a good influence on the country if the laws related to real estate are specifically stipulated and established by accepting the good systems of advanced countries and changing the existing systems. In other words, it is necessary to constantly research, analyze, and apply the real estate brokerage system to vitalize the real estate brokerage business.

This paper is about how societies are changing and adapting measures to resolve social challenges. In South Asian countries such as Bangladesh, India, Nepal, Pakistan, and Sri Lanka, child marriage is a challenging issue that is primarily unreported despite local and international advocacy. The major problem is the conservative nature of the society, mainly consisting of cultural/traditional norms and religious oppression, which deems to dominate the social setup. Particularly in Pakistan, religious minorities have been the target in the past decade, where minor girls from minority sects have been abducted, raped, and forced to get married to middle age or even older majority sect community members. Since the girl has embraced Islam, the sole statement is that Muslim law/Shariah should be applied rather than the constitutional, parental/legal guardian fundamental rights. Pakistan is a signatory to the Child Rights Convention, including domestic legislation and other international protocols. However, the Shariah law is the greatest challenge in the case's outcome. Secondly, although recognizing through legislation the legal age of marriage in the provinces of Pakistan, the judges use their discretion based on the statement recorded under the 164 Pakistan Penal Code1, focusing on willfully embracing Islam and consensual marriage union. Regardless of scrutinizing precisely the age mentioned on the form as proof of conversion and marriage certificates attached in the magistrate court. The valid question is whether the age mentioned on a forged document should be admitted as an exhibit. Should there be any action against the concerned judge or the perpetrator if forged documents are acknowledged in a court of law? Rather than taking any action against the unregistered Muslim preacher who registered the marriage without even verifying the age, the question imposes significant importance on where the standard should be set and who should be held accountable, the person who registered the marriage, the police who refused to register the First Information Report, the magistrate who recorded the statement of a minor under section 164 of the PPC, or the judge who admitted the conversion and marriage certificate regardless of cross-examining with the national database to verify the age? This paper's importance is to share under what circumstances child marriage should be supported or who can support the marriage based on specific episodes in life and fate. This paper will examine the marriage of minors and their consent in religiously conservative countries, culturally homogenous societies, and conservative but promoting modernization and social stability.