• Title/Summary/Keyword: 금융서비스혁신

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A Present Condition of R&D Supporting Industries: A Search for their Promotion (국내 연구개발 지원산업의 현황분석과 육성방안에 관한 연구)

  • 이장재;박종오
    • Journal of Korea Technology Innovation Society
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    • v.2 no.2
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    • pp.219-232
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    • 1999
  • 연구개발 지원산업은 연구개발 활동을 직·간접적으로 지원하는 산업을 의미한다. 이러한 산업에 대한 개념화는 연구개발 활동의 전문화(professionalization), 분업화(division of labor)가 진행되고 있음을 의미하는 동시에 연구개발체제의 유연성 제고 및 고도화, 효율화가 이루어지고 있음을 나타내고 있다. 우리의 경우 (과학기술혁신을 위한 특별법) 제 15조 등을 통하여 연구개발 지원사업에 대한 특별지원제도의 시행을 명시하고 있으나 현재까지 연구개발 지원사업자를 지정·육성하기 위한 기본현황 파악이나 분석이 이루어지지 않은 실정이다. 본고는 이러한 수요를 반영하여 국내에서의 연구개발 지원산업에 대한 수요를 중심으로 실태를 파악 ·분석하는 동시에 산업지원 육성방안을 제시하고 있다. 국내 연구개발 지원산업의 규모를 추정해 보면 97년 현재 약 3,000억원에서 4,000억원의 규모로 나타나며, 이중 기술정보서비스업이 약 27.0%, 연구장비 및 시험 ·평가 ·검색 ·분석업이 약 38.4%, 연구개발 설계·자문업 등 기타사업이 34.6% 로 나타나고 있다. 연구개발지원 기능은 시험·검사 기능과 기술정보제공 기능이 대부분을 차지하고 있고, 전자의 경우는 내부처리의 비중이 높고 후자의 경우 외부의 전문기관을 이용하는 비중이 높게 나타나고 있다. 특히 기업이 연구개발활동 수행시에 필요한 지원기능을 외부에 위탁할 경우에 느끼는 애로사항은 첫째, 외부 전문위탁기관의 부족 및 정보 미흡이 가장 크고, 둘째, 전문기관의 해외정보력·경쟁력 부족이 다음이며, 공공기관의 지원기능이 미흡하다는 애로사항에 대한 비중이 상대적으로 낮게 나타나고 있다. 연구개발 지원산업을 특별지원·육성하기 위한 기본관점은 특별법의 시행령을 구체적으로 실행하기 위한 시행계획의 수립과 연구개발 지원산업의 육성 시책의 추진 절차의 결정, 사업자 선정, 지원 사항 등으로 제시될 수 있다. 먼저, 기업 연구개발활동의 고도화·효율화를 위해 연구개발 및 기술개량에 필요한 업무 중 기술정보서비스와 연구시험·평가·검사·분석 그리고 중소기업 기술집약화를 지원하는 사업 등을 연구개발 지원산업으로 범위를 정할 필요성이 있다. 다음으로 연구개발 지원사업자를 별도로 선정·인정하는 방식으로 지원해야 할 필요성이 있다. 기존의 산업 지원방식으로는 연구개발 지원기능이 주된 활동으로 인정받을 수 없으므로 국내 연구개발 지원기능의 발전에 한계가 있다. 따라서 취약한 여건을 감안하여 연구개발 지원산업을 육성하지 않게 되면, 각 분야별로 민간사업자의 참여가 거의 이루어지지 않거나, 참여해도 연구개발 지원 기능의 발전보다는 기존의 사업이 주가 될 가능성이 크다. 연구개발 지원 사업자의 지정 지원방식과는 별도로 이루어질 수 있는 지원활동에 대한 지원은 기업회계처리상의 문제와 일관성이 있는 시책추진 및 효과를 기대하기 어렵기 때문에 사전에 동산업의 참여 자격·능력을 갖춘 사업자에 대해서는 제한없이 참여할 수 있도록 Positive System으로 추진해야 할 것이다. 그리고 연구개발 지원사업자에 대한 지원내용을 조세·금융 등 직접적 지원과 타 제도와의 연계지원 그리고 정부구매 등 시장지원 등이 아울러 다양하게 추진될 필요가 있다.

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A study on antecedents of relationship strength in a B2B environment: Focusing on export manufacturing corporations (B2B 관계강화에 영향을 미치는 선행요인에 관한 연구: 수출 제조기업을 중심으로)

  • Choi, Jong-Hwa;Lee, Hyun Ju;Kang, Gi-Du
    • International Commerce and Information Review
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    • v.16 no.4
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    • pp.3-34
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    • 2014
  • Nowadays to thrive on the intensively competitive environments based on drastic and rapid technical evolutions, exporting manufacturing companies need to keep very stable relationship with suppliers. Thus, analyzing key factors of strengthening relationship with suppliers in a B2B environment is important. In this regard, this study develops a research model to deeply understand key antecedents of relationship strength between B2B companies. Relationship quality was considered as the key factor affecting to the relationship strength. This study considers relationship satisfaction, trust, and relationship commitment as the factors of relationship quality. Moreover, technical service quality and relational service quality were considered to be the antecedents of relationship satisfaction, while communication and information exchange, relationship policies and practices, and opportunistic behavior were regarded as the antecedents of trust. The PLS method was applied for the empirical analysis of 107 companies data. The results indicated that the relationship commitment has a significant impact on relationship strength. Moreover, relationship satisfaction and trust had indirectly impact on relationship strength through relationship commitment. Although the quality of technical service quality had a significant impact on relationship satisfaction, relational service quality did not have a significant impact. While communication and information exchange, relationship policies, and practices had positively significant impacts, opportunistic behavior had a negative impact.

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Developmental Solutions of Commercial Sports Facilities (상업스포츠시설의 발전방안)

  • Kang, Ho-Jung;Kim, Kyong-Sik
    • The Journal of the Korea Contents Association
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    • v.9 no.8
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    • pp.401-411
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    • 2009
  • Commercial sports facilities dissatisfy and have the problem in facility management and social institution when we compare with advanced nation. To develop commercial sports facilities, government must improve facility management ability and increase social institutional support. First, to improve facility management ability, government must make effort for instructor's treatment better, employment extension, strengthening of management and marketing ability, improvement of service quality and consumer satisfaction, facility's modernization. Second, to extend social institutional support, government have to make effort for cultivation and disposition of specialized human power, deregulation and institution improvement of sports facility, support extension of taxes and finance, establishing information network of sports facility. Finally, the main body of commercial sports facilities have to make progressive effort for improving facility management ability, and government have to make excellent social environment developing commercial sports facilities.

A study on Activation Measures of Local Mobile Easy-to-use Payment (국내 모바일 간편결제 활성화 방안에 관한 연구)

  • Jeong, Gi Seog
    • Convergence Security Journal
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    • v.15 no.4
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    • pp.73-82
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    • 2015
  • Thanks to popularization of smart phone, mobile payment market is growing rapidly. As the obligatory use of digital certificate is abolished, easy-to-use payment that can settle with only password is being launched one after another. But its spreading speed is not fast highly. Because of concern about personal information leakage and security, unchangeability of payment habit, insufficiency of consumer protection, inadequacy of payment infrastructure and all sorts of regulations, easy-to-use payment is not activated. Recently global IT companys are entering mobile payment market competitively. It is because the sense of crisis that their survival can be dangerous from now on if they get left behind Fintech innovation and the mentality that they try to take the leadership of mobile payment market process. In this situation, the thorough preparation and a lot of effort are required to promote our autonomous easy-to-use payment growth without dependance on foreign country's. In this paper, the problems of local mobile easy-to-use payment are addressed in depth and the activation measures such as flexible and discriminative security, construction of customer protection system, law system maintenance, service differentiation are proposed.

A Study on the cooperation activation among business: Focused on Leadership, Absorptive Capacity (기업 간 협업 활성화 방안에 대한 연구 : 리더십과 흡수역량을 중심으로)

  • Jeun, Hyang-Ok;Hyun, Byung-Hwang
    • Journal of the Korea Academia-Industrial cooperation Society
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    • v.17 no.10
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    • pp.189-198
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    • 2016
  • In recent years, the global financial crisis has worsened the economic environment for small and medium-sized businesses. A great number of South Korean enterprises are having various managerial difficulties, such as insufficient funds, shortage of manpower and lack of market information. To overcome these difficulties, many experts have suggested plans to encourage cooperation among small businesses, and such cooperation has provided diverse services to complement the insufficient capabilities of the individual companies. In spite of the efforts made by government to incite cooperation, however, the businesses themselves have displayed a lack of willingness to such cooperation. Cooperation requires a series of complicated and interdependent processes and, thus, governmental support alone cannot guarantee the necessary willingness to cooperate among small businesses. This research empirically analyzed how cooperative and creative leaderships influence the willingness to cooperate among corporate members. We also empirically studied how relationships among corporate members vary in accordance with their absorptive capacity.

Study on Potential Topics of the MyData and Data Transactions Using LDA Topic Modeling (국내 마이데이터 태동과 데이터 거래에 관한 잠재적 주제 분석)

  • Cho, Ji Yeon;Lee, Bong Gyou
    • Journal of Digital Convergence
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    • v.20 no.3
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    • pp.221-229
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    • 2022
  • With the recent full-fledged MyData service, interest in the use of personal data is increasing. However, studies on MyData are still in the early stages, focusing on legal and institutional discussions, and studies from a comprehensive perspective are insufficient. Therefore, this study aimed at finding the potential topics formed by social discussions by analyzing news data from 2018 to the present. News data analysis using LDA topic modeling were conducted and 6 potential topics including digital transformation in finance, scope of Mydata business license, amendments and data-related laws, safe use of big data, data economy promotion policy and strategy of the financial industry were derived. This study has significance in that it comprehensively viewed the issues that emerged with the MyData and deriving gaps in previous discussion. Future research is expected to identify changes after the launch of MyData service and provide specific implications through research by specific industries.

Research on the decision factor in customer loyalty in securities companies : Focusing on reliability and customer satisfaction's moderating effects (증권회사의 지속적 사용의도 결정요인에 관한 연구 : 신뢰도 및 고객 만족도의 조절효과를 중심으로)

  • Lee, Han-Woo;Ha, Kyu-Soo
    • Journal of the Korea Academia-Industrial cooperation Society
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    • v.16 no.3
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    • pp.1832-1843
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    • 2015
  • Recently, since the "Capital Market Consolidation Act" has been effective in 2009, the competition among the securities companies in Korean security market has been fierce. Thus, securities business lately are needed by the market environmental requirements rapidly changed for various strategies. The purpose of this study was to identify the effect of corporate attribute, employee attribute, financial product attribute securities on customer satisfaction, trust with the firm, and usage intention. As the subjects I selected the customer of securities in Seoul in 2014 and conducted survey with questionnaires. Among total 400, I chose 378 as the valid sample by convenience sampling. For the data process, I used SPSS 20.0 I verified the perspective hypotheses after testing reliability and validity of fit by the data process. The results are as following. First, it was shown that the sub-factors of corporate attribute, employee attribute, financial product attribute in securities as ethics, innovation, size, kind, professionalism, ethics, profitability and diversity had significant effect on usage intention. Second, the study confirms that reliability and satisfaction influences customer loyalty as moderate variable. The industrial and academic significance of this study is that it may serve as a useful base date to understand customer behavior and draw new strategies in a financial management environment.

A Case Study on Pursuit of International Development Cooperation Project: Focusing on Insurance education in a Lao University (국제개발협력 추진 사례연구: 라오스 보험교육을 중심으로)

  • Jung, Hong-Joo;Lee, Sang-Rim;Son, Jeong-Hyun;Choi, A-Reum;Lim, So-Young;Wang, Hsuan-Hui
    • Korea Trade Review
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    • v.43 no.1
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    • pp.1-23
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    • 2018
  • International Development Cooperation (IDC hereafter), which closely relates to international trade and foreign direct investment, is gaining global importance regarding diplomatic relations and economic cooperation. As Korea contributes increasing resources to the international community, Korea should play a larger role in the IDC along with increasing academic cooperation, impling more necessity to grow research on the IDC as a crucial element of international trade. The IDC has focused on the provision of basic human needs, such as food, shelter, and clothing. However, higher education has not yet be explored for its effectiveness or validity as to service area including foreign trade or insurance. In this regard, this research aims to review existing IDC literature, to propose a project for insurance education, and to provide alternative ways for future development of the IDC. This paper is structured as follows. First, the literature review begins with the IDC's history and development, review of traditional methods of providing basic human needs (food or sheltering) and public health, importance of job creation and business activities to alleviate poverty, and the introduction of insurance education as a vehicle to reduce poverty. Results of the case study provide implications for service area projects including foreign trade education.

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A Study on Trust Transfer in Traditional Fintech of Smart Banking (핀테크 서비스에서 오프라인에서 온라인으로의 신뢰전이에 관한 연구 - 스마트뱅킹을 중심으로 -)

  • Ai, Di;Kwon, Sun-Dong;Lee, Su-Chul;Ko, Mi-Hyun;Lee, Bo-Hyung
    • Management & Information Systems Review
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    • v.36 no.3
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    • pp.167-184
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    • 2017
  • In this study, we investigated the effect of offline banking trust on smart banking trust. As influencing factors of smart banking trust, this study compared offline banking trust, smart banking's system quality, and information quality. For the empirical study, 186 questionnaire data were collected from smart banking users and the data were analyzed using Smart-PLS 2.0. As results, it was verified that there is trust transfer in FinTech service, by the significant effect of offline banking trust on smart banking trust. And it was proved that the effect of offline banking trust on smart banking trust is lower than that of smart banking itself. The contribution of this study can be seen in both academic and industrial aspects. First, it is the contribution of the academic aspect. Previous studies on banking were focused on either offline banking or smart banking. But this study, focus on the relationship between offline banking and online banking, proved that offline banking trust affects smart banking trust. Next, it is the industrial contribution. This study showed that offline banking characteristics of traditional commercial banks affect the trust of emerging smart banking service. This means that the emerging FinTech companies are not advantageous in the competition of trust building compared to traditional commercial banks. Unlike traditional commercial banks, the emerging FinTech is innovating the convenience of customers by arming them with new technologies such as mobile Internet, social network, cloud technology, and big data. However, these FinTech strengths alone can not guarantee sufficient trust needed for financial transactions, because banking customers do not change a habit or an inertia that they already have during using traditional banks. Therefore, emerging FinTech companies should strive to create destructive value that reflects the connection with various Internet services and the strength of online interaction such as social services, which have an advantage over customer contacts. And emerging FinTech companies should strive to build service trust, focused on young people with low resistance to new services.

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An Analysis on the Economic Impact of National R&D Investment: Health care industry (국가 R&D 투자의 경제효과 분석: 보건의료산업을 중심으로)

  • Jung, Kun-O;Lim, Eungsoon;Song, Jaeguk
    • Journal of Technology Innovation
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    • v.21 no.1
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    • pp.59-83
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    • 2013
  • Recently, the importance of the health care industry is increasing due to the rapid changes in the population structure caused by decreasing in fertility rate and aging population. Therefore expansion of government investment in R&D of the health care industry is needed as the demand of health care is increasing. This study attempts to examine the economic impacts of national research and development for the health care industry using an inter-industry analysis. Specifically, the study investigates production-inducing effect, value added inducing effect, and employment-inducing effect of the health care industry based on demand-driven model. These analyses pay particular and close attention to the health care industry by taking it as exogenous rather than endogenous. Here we present results. First, the production-inducing effect and value added inducing effect was high in common real estate and business services and finance and insurance sector. Second, employment-inducing effect of the health care industry showed the highest levels in wholesale and retail sector, followed by the real estate and business services, agriculture sector. Third, the actual 2009 health care industry-related national R&D investment embracing on the production-inducing effect and value added inducing effect. The health care industry R&D induces the production of 4,932 billion won and the value added of 2163 billion won.

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