계리직 금융상식 기본서 플러스 빈칸연습 가치산책

PART 1 _ 예금편 / 3 
제 1 장 금융경제 일반 ····· 4 
제1절 국민경제의 순환과 금융의 역할 ············· 4 
1. 국민경제의 순환과 금융의 연결 ········· 4 
2. 금융의 역할 ······· 9 
제2절 주요 금융경제지표 ····· 11 
1. 금리(이자율) ············· 11 
2. 환율 ········· 20 
3. 주가 ········· 22 
제3절 금융시장 ············ 26 
1. 금융시장의 의의 ······ 26 
2. 금융시장의 기능 ······ 28 
3. 금융시장의 유형 ······ 29 
제 2 장 금융회사와 금융상품 ·········· 34 
제1절 금융회사 ············ 34 
1. 은행 ········· 35 
2. 비은행 금융회사 ······ 36 
3. 보험회사 ··········· 37 
4. 금융투자회사 ············ 37 
5. 금융유관기관 ············ 39 
제2절 금융상품 [10 기출] ············ 41 
1. 저축상품 ··········· 42 
2. 투자상품 ··········· 50 
3. 기타상품 ··········· 64 
제 3 장 저축과 금융투자의 이해 ············· 68 
제1절 저축의 기초 ······ 69 
1. 저축과 이자 ····· 69 
2. 저축과 인플레이션(Inflation) ··········· 71 
3. 저축과 세금 ····· 72 
제2절 투자의 기초 ······ 72 
1. 투자 vs. 투기 ··········· 72 
2. 수익 vs. 투자수익률 ········ 73 
3. 투자의 위험(risk) ············· 74 
4. 자본시장과 금융투자업에 관한 법률 ········ 78 
제3절 주식투자 ············ 81 
1. 주식의 개념 ····· 81 
2. 주식의 발행 ····· 83 
3. 주식의 종류 ····· 85 
4. 주식 유통시장 ·········· 88 
5. 주식 거래방법 ·········· 88 
제4절 채권투자 ············ 91 
1. 채권의 개념 ····· 91 
2. 특수한 형태의 채권 ·········· 95 
3. 소액채권거래제도 ····· 99 
4. 주식과 채권의 비교 ·········· 99 
제5절 증권분석 ·········· 102 
1. 증권의 투자가치 분석 ············· 102 
2. 기업정보 ········ 103 
3. 재무비율 분석 ········ 105 
4. 주가배수 평가 ········ 108 
제 4 장 예금업무 일반사항 ··········· 111 
제1절 예금계약 ·········· 111 
1. 예금거래의 성질 ············· 111 
2. 예금계약의 성립 ············· 113 
3. 예금거래약관 ·········· 115 
제2절 예금거래의 상대방 ············ 119 
1. 자연인과의 거래 ············· 119 
2. 법인과의 거래 ········ 121 
3. 법인격 없는 단체와의 거래 ············ 123 
제3절 예금의 입금과 지급 ·········· 124 
1. 예금의 입금업무 ············· 124 
2. 예금의 지급업무 ············· 128 
제4절 예금의 관리 ············· 135 
1. 예금주의 사망 ········ 135 
2. 예금채권의 양도와 질권설정 ·········· 142 
3. 예금에 대한 압류 ··········· 146 
제 5 장 전자 금융 ······· 152 
제1절 전자금융의 의의 ······ 152 
1. 전자적 장치 –전달 채널 ········· 152 
2. 접근 매체 –거래의 진정성 확보 수단 ············· 152 
3. 스마트 금융 ············ 153 
제2절 전자금융의 특징 ······ 153 
1. 금융서비스 이용편의 증대 ····· 153 
2. 금융기관 수익성 제고 ············· 154 
3. 전자금융의 이면 ············· 154 
제3절 전자금융의 발전 과정 ······ 155 
1. 제 1 단계: PC기반 금융업무 자동화 ····· 155 
2. 제 2 단계: 네트워크 기반 금융전산 공동망화 ······· 155 
3. 제 3 단계: 인터넷 기반 금융서비스 다양화 ··········· 156 
4. 제 4 단계: 모바일 기반 디지털금융 혁신화 ··········· 156 
5. 제 5 단계: 신기술 기반 금융IT 융합화 ········· 157 
6. 전자금융과 미래 전망 ············· 157 
제4절 인터넷뱅킹 서비스 ············ 158 
1. 인터넷뱅킹의 개요 ········· 158 
2. 인터넷뱅킹의 의의 ········· 158 
3. PC뱅킹과 인터넷뱅킹 ············· 159 
4. 인터넷뱅킹의 특징 ········· 159 
5. 인터넷뱅킹의 이용 ········· 160 
6. 인터넷 공과금 납부 ······· 162 
제5절 모바일뱅킹 서비스 ············ 162 
1. 모바일뱅킹의 개요 ········· 162 
2. 모바일뱅킹의 의의 ········· 163 
3. 모바일뱅킹의 이용 ········· 163 
제6절 텔레뱅킹 서비스 ······ 164 
1. 텔레뱅킹의 개요 ············· 164 
2. 텔레뱅킹의 의의 ············· 164 
3. 텔레뱅킹의 이용 ············· 164 
제7절 CD/ATM 서비스 ············· 166 
1. CD/ATM 서비스 개요 ··········· 166 
2. CD/ATM 이용 매체 ······ 167 
3. CD/ATM 제공 서비스 ··········· 168 
4. 기타 CD/ATM서비스 ············· 169 
제8절 신용카드, 직불카드, 체크카드, 선불카드 ············ 170 
1. 신용카드 ········ 171 
2. 직불카드 ········ 174 
3. 체크카드 ········ 175 
4. 선불카드 ········ 176 
제 6 장 우체국 금융 일반 현황 ············· 179 
제1절 연혁 ········ 179 
제2절 업무범위 ·········· 180 
1. 우체국금융 일반 ············· 180 
2. 우체국예금?보험 ············· 181 
3. 기타 금융업무 ········ 182 
제3절 역할 ········ 182 
1. 보편적 금융서비스의 제공 ····· 182 
2. 우편사업의 안정적 운영 지원 ········ 183 
3. 국가 재정 및 산업 육성에 기여 ············· 183 
4. 서민경제 활성화 지원 ············· 184 
제4절 소관 법률 ········ 184 
제 7 장 우체국 금융 상품 ············· 186 
제1절 예금상품 ·········· 186 
1. 요구불예금 (입출금이 자유로운 예금) ············· 186 
2. 거치식 예금 (목돈 굴리기 예금) ············· 189 
3. 적립식 예금 (목돈마련 예금) ·········· 191 
4. 기타 ······· 193 
5. 공익형 예금상품 ············· 193 
제2절 카드상품 (체크카드) ········· 200 
1. 사용 한도 및 발급 대상 ········· 200 
2. 체크카드 상품 및 특징 ··········· 201 
3. 상품별 기능 ············ 203 
4. 효력의 발생과 상실 ······· 204 
5. 카드 해지와 이용정지 ············· 204 
제3절 펀드상품 ·········· 208 
1. 펀드상품의 종류 및 특징 ······· 208 
제 8 장 우체국 금융 서비스 ········· 210 
제1절 전자금융 ·········· 210 
1. 인터넷뱅킹 ····· 210 
2. 폰뱅킹 ············ 211 
3. 모바일뱅킹 ····· 211 
4. 전자금융을 이용한 자금이체 한도 ·········· 214 
5. 전자금융서비스 이용 제한 ····· 216 
6. 자동화기기 ····· 216 
제2절 우편환?대체 ············· 218 
제3절 외국환 ············· 218 
1. 해외송금 ········ 218 
2. 환전업무 ········ 219 
제4절 제휴서비스 ······ 220 
1. 창구망 공동이용 ············· 221 
2. 노란우산공제 판매대행 ··········· 222 
3. 우체국 CMS 업무 ·········· 222 
4. 건설근로자퇴직공제금 접수대행 ····· 223 
5. 카드업무 대행 서비스 ············· 223 
6. 증권계좌 개설 대행 ······· 224 
제 9 장 내부통제 및 리스크 관리 ········· 229 
제1절 내부통제 ·········· 229 
1. 의의 ······· 229 
2. 법적 근거 ······ 229 
3. 필요성 ············ 229 
4. 내부통제의 구성요소 ······ 230 
5. 내부통제의 수단 ············· 231 
6. 내부통제기준 ·········· 231 
7. 준법감시인제도 ······ 231 
제2절 금융실명거래 원칙 및 방법 ······ 232 
1. 의의 ······· 232 
2. 실명확인방법 ·········· 232 
3. 실명확인 생략이 가능한 거래 ········ 235 
4. 불법?탈법 차명거래 금지 ······· 235 
제3절 금융거래에 대한 비밀보장 ········ 236 
1. 비밀보장제도 ·········· 236 
2. 금융거래 정보제공 ········· 236 
3. 금융실명거래 위반에 대한 처벌 및 제재 ······· 238 
제4절 금융소비자보호 ········ 240 
1. 금융소비자보호법 ··········· 240 
2. 금융상영업행위 준수사항 ······· 241 
3. 금융소비자보호를 위한 장치 ·········· 242 
제 10 장 기타사항 ····· 243 
제1절 예금자보호 ······ 243 
1. 예금보험의 구조 ············· 243 
2. 보호대상 금융회사 ········· 244 
3. 보호대상 금융상품 ········· 244 
4. 보호한도 ········ 245 
제2절 금융소득 종합과세 ············ 248 
1. 개요 ······· 248 
2. 소득의 종류와 과세방법 ········· 248 
3. 금융소득에 대한 이해 ············· 249 
4. 금융소득 종합과세 체계 ········· 250 
5. 종합과세 되는 금융소득 ········· 250 
6. 금융소득의 세액계산 방법 ····· 253 
7. 신고와 납부 ············ 254 
제3절 자금세탁방지제도 ····· 259 
1. 개요 ······· 259 
2. 금융정보분석기구(FIU) ··········· 259 
3. 의심거래보고제도(Suspicious transaction report, STR) ············· 260 
4. 고액현금거래보고(Currency Transaction Report, CTR) ············ 261 
5. 고객확인제도(Customer Due Diligence, CDD) ·········· 263 
제4절 금융정보 자동교환 협정 ············ 267 
1. 금융정보자동교환을 위한 국제 협정 ······ 267 
2. 금융정보자동교환을 위한 국내 규정 ······ 268 
3. 금융회사의 의무 ············· 269 
부 록 / 273 
우체국 예금거래 기본약관 ········ 274 
금융실명거래 및 비밀보장에 관한 법률 ············· 280 
우체국예금?보험에 관한 법률 ··········· 289 
우체국예금?보험에 관한 법률 시행령 ········ 300 
우체국예금?보험에 관한 법률 시행규칙 ············· 303 

PART 2 _ 보험편 / 323 
제 1 장 보험일반 이론 ········· 324 
제1절 위험관리와 보험 ······ 324 
1. 보험의 정의 ············ 324 
2. 보험의 목적과 특성 ······· 324 
3. 위험의 구분 ············ 326 
4. 보험의 대상이 되는 불확실성(위험)의 조건 ············ 327 
제2절 보험의 기능과 종류 ·········· 328 
1. 보험의 긍정적 기능 ······· 328 
2. 보험의 부정적 영향 ······· 330 
3. 보험의 종류 ············ 330 
제3절 생명보험의 역사 ······ 333 
1. 생명보험의 역사 ············· 333 
2. 우리나라 생명보험의 역사 ····· 334 
제 2 장 생명보험 이론 ········· 338 
제1절 생명보험 계약 ·········· 338 
1. 생명보험계약 관계자 ······ 338 
2. 보험계약의 요소 ············· 340 
제2절 생명보험의 기본원리 ········ 341 
1. 상부상조의 정신 ············· 341 
2. 대수의 법칙 ············ 341 
3. 생명표 ············ 343 
4. 수지상등의 원칙 ············· 343 
제3절 보험료 계산의 기초(3이원방식, 현금흐름방식) ············ 344 
1. 3이원방식 ······ 344 
2. 현금흐름방식 ·········· 345 
제4절 영업보험료의 구성 ············ 347 
1. 순보험료 ········ 347 
2. 부가보험료 ····· 347 
3. 보험료의 산정 ········ 348 
4. 배 당 ····· 349 
제5절 언더라이팅과 클레임 ········ 354 
1. 언더라이팅(Underwriting)과 언더라이터(Underwriter) ········ 354 
2. 언더라이팅(Underwriting)의 대상 ········· 355 
3. 언더라이팅(Underwriting)의 절차 ········· 357 
4. 표준미달체 / 우량체의 인수 ·········· 360 
5. 언더라이팅(Underwriting)의 실무 ········· 360 
6. 클레임(Claim) 업무 ······· 363 
제6절 생명보험 세제 ·········· 364 
1. 생명보험의 세제혜택 부여 목적 ····· 364 
2. 보험계약 세제 ········ 365 
제 3 장 보험윤리와 소비자보호 ············· 374