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[iSSF 2020] Beyond Survival and Toward Coexistence ①

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Wednesday, September 02, 2020, 14:09:30

Kisoo PARK, Professor, College of Medicine, Korea University
EIDs & Human: focused on Covid-19 pandemic

 

[iN THE NEWS Jiyoung KWON] The COVID-19 Pandemic, A new infectious disease that is difficult to experience once in life.

 

At the end of last December, China reported an outbreak of COVID-19, with cases of patients with pneumonia of unknown etiology, to the World Health Organization (WHO). Now, after 6 months, the impact is beyond imagination. As this unexpected situation unfolds, direct damage such as the occurrence of death, as well as socio-economic damage, is spreading. As of July 7, the number of confirmed cases in the world is over 10 million and the number of deaths is at least 500,000. Compared to the 2009 H1N1 (swine flu) pandemic, with about 1.36 million patients and 19,000 deaths, this COVID-19 pandemic is much more serious. The problem is that, given the highly contagious power of the coronavirus, the impact of the second epidemic of the disease will be worse through the fall and winter of this year. About 100 years ago, in 1918, the Spanish flu virus infected a quarter of the world’s population (1.8 to 1.9 billion) and killed 50 million people. Because the second outbreak was more devastating at the time, the concern about COVID 19 is growing.

 

Viruses have infected humans since the start of human civilization

 

We have found the solution to infectious diseases that already existed in our bodies by developing treatments and vaccines. However, the damage caused by cross-species infections between animals and humans lasts for a considerable time, and it takes a long time to find a solution. Such infectious diseases can be traced back through human history. It was 8,000 years ago that the era when people hunted animals to obtain food transformed into the era when people raised livestock such as cattle and sheep to survive. Instead of stably obtaining food, humans took over infectious diseases from animals.

 

The problem is that cross-species transfer of viruses is becoming more frequent as humans try to quickly expand their domain through technological developments. The Spanish flu (pigs) of 1918-1919, AIDS (monkeys) that started in 1920, Ebola virus (monkeys) in 1976, bird influenza (birds) in 1997, SARS (civets) in 2003, and MERS (camels) in 2012 were all infectious diseases that infected humans through cross-species transfer.

 

Infectious diseases have changed human history both in the past and present. The black plague of the middle ages

 

It has been less than a year since this COVID-19 pandemic, but it has made a lot of changes in our daily lives and demanding further changes. Infectious diseases in the past have changed the system of civilization based on disastrous results that are incomparable to the present.

 

The best example would be the black plague. The plague enetrated the human body through fleas attached to rodents such as mice. In the case of respiratory plague, human-to-human infections occurred, and in the Middle Ages, the mortality rate reached 50%. The plague, which struck with famine in medieval Europe in the 14소 century, killed 30 to 40 million people, which is about 20-30% of the European population at the time. As a result, the Hundred Years’ War between France and England was halted, and serfdom was abolished due to a large labor shortage in Europe. Eventually, great socioeconomic turmoil such as famine, war, and plague disrupted the medieval worldview centered on gods and feudal monarchs and lead the medieval era to the Renaissance.

 

 

The structure of modern society that pursues advancement and convenience is more vulnerable to infectious diseases

 

The problem is that the more advanced our society is, the more vulnerable it is to infectious diseases. The first reason is connectivity and mobility. Human movement has never stopped in our 5 million year history, but the speed of our movement has never been faster. We can travel anywhere on the planet in a single day, and viruses can travel at the same speed. It is a clear example that COVID 19 has spread through the world’s major hub cities. The second reason is the creation of a dense, closed, and close environment due to urbanization. The logic of Ulrich Beck, “the more convenience is pursued in the pursuit of technology development and efficiency, the more we go to a risk society” applies equally to the problem of infectious diseases. The last reason is the increase in population.
There was no drastic increase in the global population due to wars, famines, and diseases, but there was a significant increase in the 20th century, thanks to medical advancements and technological developments. The human population increased rapidly, reaching four times what it was 100 years ago when the Spanish flu was spreading (1.8 billion to 7.7 billion). In 2050, the global population is expected to exceed 10 billion people. This increase in the population of one species is unprecedented in Earth’s history. From the perspective of a virus, this population increase means there are more carriers.

 

The emergence of new infectious diseases continues. The human population increases and viruses go beyond species

 

These viruses, bacteria, and other microorganisms contributed to the birth of the human species 4.5 billion years ago in the history of the earth. Cyanobacteria, which is the first microorganism in the world, changed carbon dioxide into oxygen little by little for over 1 billion years. Mammals were born on the land about 2 billion years ago, which led to the bipedal human species about 6 million years ago, resulting in modern-day homo sapiens. We humans have expanded our territory under the pretext of advancement or civilization and viruses continuously jumped between species as a survival strategy.

 

Humans temporarily stopped moving due to such infectious diseases, but they always restored their connectivity and mobility in some way. According to the International Civil Aviation Organization (ICAO), in the past, flights were temporarily stopped due to MERS, SARS, and swine flu, but most of them were restored to their original state within a year. Our desire to fly further is like Icarus who was unable to plant his roots. Connectivity has transcended spatial limitations through communication technology, and a key example would be video calls in this COVID-19 pandemic.

 

Going beyond survival, toward coexistence. We must understand the essence of the issue from a global perspective

 

While the COVID-19 pandemic shows no signs of slowing down, the spread of the COVID-19 epidemic is growing, especially in the US. At this rate, the height of the 2nd wave is bound to be more disastrous. Aside from smallpox, which is the first virus to be completely eradicated in human history, no infectious disease has disappeared from the planet despite the development of treatments and vaccines. Considering the highly contagious nature of COVID-19, it’s highly likely that humans will have to coexist with this disease. The changes in our daily lives and socioeconomic impacts of COVID-19 raise questions regarding how humans should live from now on. Efforts to get rid of COVID-19 in the world through treatments and vaccines are commendable, but this is solely a human survival strategy that does not address the essence of the issue at hand. Whether to coexist with nature or suffer under new infectious diseases is up to us.

 

English(中文·日本語) news is the result of applying Google Translate. <iN THE NEWS> is not responsible for the content of English(中文·日本語) news.

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권지영 기자 eileenkwon@inthenews.co.kr

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수도권 주담대 최대 6억·다주택자는 금지…28일부터 즉각시행

수도권 주담대 최대 6억·다주택자는 금지…28일부터 즉각시행

2025.06.27 15:18:53

인더뉴스 문승현 기자ㅣ정부가 서울 집값 급등세에 고강도 대출규제 카드를 빼들었습니다. 금융위원회는 27일 권대영 사무처장 주재로 긴급 가계부채 점검회의를 열고 수도권 중심의 가계부채 관리강화방안을 확정·발표했습니다. 집값상승을 이끌고 있는 수도권과 투기 및 투기과열지역, 조정대상지역으로 지정된 강남, 서초, 송파, 용산을 정조준했습니다. 주담대 한도 6억원·실거주 의무 금융당국은 수도권·규제지역내 주택구입목적 주택담보대출(주담대) 최대한도를 6억원으로 제한합니다. 소득·집값 상관없이 주담대 총액을 제한하는 강력한 조처입니다. 금융위는 "고가주택 구입에 과도한 대출 활용을 제한하려는 것"이라고 설명했습니다. 다만 정책대출은 기존처럼 자체한도를 적용하고 중도금대출은 한도제한을 두지 않습니다. 중도금대출이 잔금대출로 전환하면 6억원 한도가 적용됩니다. 실거주 의무도 강화됩니다. 수도권·규제지역에서 주택구입시 주담대를 받은 경우 6개월 이내 전입의무가 부과됩니다. 정책대출(보금자리론)도 마찬가지입니다. 다주택자 주담대 금지 수도권·규제지역내 2주택 이상 보유자가 추가로 주택을 구입할 때엔 주택담보대출비율(LTV) 0%가 적용됩니다. 다주택자의 추가 주택구입목적 주담대를 원천봉쇄하는 것입니다. 1주택자가 기존 주택을 처분하지 않고 추가 주택을 구입하는 경우에도 동일합니다. 다만 1주택자가 기존 주택을 6개월 이내 처분한다면 무주택자와 같은 비규제지역 LTV 70%, 규제지역 LTV 50%를 적용합니다. 처분조건부 1주택자의 조건이 2년내 처분에서 6개월내 처분으로 엄격해졌습니다. 처분약정을 지키지 않으면 대출금은 즉시회수(기한이익상실)되고 향후 3년간 주택 관련 대출을 제한합니다. 주담대 만기 30년 수도권·규제지역내 주담대 만기는 30년 이내로 일괄제한합니다. 은행별로 30~40년 이내에서 자율관리하던 만기제한을 묶었습니다. 총부채원리금상환비율(DSR) 규제우회 방지조처입니다. 보유주택을 담보로 생활비 등 조달목적으로 대출받는 생활안정자금 목적 주담대 한도는 최대 1억원으로 제한됩니다. 주택을 2채 이상 보유한 차주에 대해선 생활안정자금 목적 주담대 취급을 금지합니다. 갭투자 방지 전세대출 조인다 전세대출도 깐깐해집니다. 수도권·규제지역내 전세대출 보증비율을 현행 90%에서 80%로 내립니다. 금융회사의 전세대출 여신심사 강화를 유도하는 것입니다. 주택매수자 또는 수분양자가 전세보증금으로 매매대금이나 분양잔금을 납입할 때 활용되는 전세대출 이른바 소유권이전조건부전세대출은 금지됩니다. 실거주가 아닌 갭투자 목적 주택구입에 금융권 대출자금이 활용되지 않도록 막는 것입니다. 신용대출을 활용한 주택구입을 방지하기 위해 신용대출 한도는 차주별 연소득 이내로 제한합니다. "과도한 빚내 집 사지 말아야" 정책대출 중 비중이 큰 주택기금 디딤돌(구입)·버팀목(전세) 대출은 한도를 대상별로 최대 1억원 축소 조정합니다. 금융당국은 대출수요 쏠림을 최소화하기 위해 이번 규제조처를 오는 28일부터 즉시 적용하기로 했습니다. 전세대출 보증비율 감축은 7월21일 시행입니다. 권대영 금융위 사무처장은 "그간 상환능력을 초과하는 과도한 빚을 레버리지 삼아 주택을 구입하는 행태 등으로 주택시장 과열과 침체가지속적으로 반복돼 왔다"며 "이제는 그 악순환의 고리를 끊어야 할 시점"이라고 진단했습니다. 그러면서 "필요시 규제지역 LTV 추가 강화, 전세대출·정책대출 등 DSR 적용대상 확대, 주담대 위험가중치 조정 등 거시건전성 규제정비 등 준비돼 있는 추가적인 조처를 즉각 시행하겠다"고 강조했습니다.


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