• Title/Summary/Keyword: 상호금융

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The Mitigation of Information Security Role Stress: The Role of Information Security Policy Goal Setting and Regulatory Focus (정보보안 업무 스트레스의 완화: 정보보안 정책 목표 설정 및 조절초점의 역할)

  • In-Ho Hwang
    • The Journal of the Korea institute of electronic communication sciences
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    • v.18 no.6
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    • pp.1177-1188
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    • 2023
  • Socially, organizations are required to maintain strict management of their information resources and invest in the adoption of information security (IS) technologies and policies. However, the ongoing threat of information exposure by employees persists within the organization. This study aims to identify the role stress that employees may experience due to strict IS policies and propose methods for reducing its negative impact. Specifically, our study suggests a mechanism for mitigating role stress by incorporating factors related to IS policy goal setting and work regulatory focus. We conducted a survey among workers in the financial industry, where IS policies are rigorously enforced, and tested our research hypotheses using a sample of 309 participants. The results indicate that increasing the difficulty and specificity of IS policy goals reduces role stress (conflict and ambiguity) and positively influences employees' intention to comply with IS policies. Furthermore, individual work promotion focus moderated the relationship between role stress and IS compliance intention. These findings have important implications for organizations seeking to strengthen their IS compliance among employees and inform the development of effective IS strategies.

An Exploratory Study on Consumer Behavior of Digital Banking Deposits: Focusing on Bank Loyal Customers (디지털 뱅킹 정기예금의 소비자 행동 실태에 관한 탐색적 연구 -은행 충성고객을 중심으로-)

  • Inkwan Cho;Soo Kyung Park;Bong Gyou Lee
    • Journal of Service Research and Studies
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    • v.13 no.2
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    • pp.130-145
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    • 2023
  • The digital transformation of finance is accelerating, and digital banking has already become a major banking channel. Banks have traditionally placed importance on CRM(Customer Relationship Management) and have tried to retain their loyal customers, who contribute significantly to the bank, such as long-term transactions, holding accounts with a certain balance or more, and holding loans. In this situation, this study exploratorily analyzed the consumer behavior of digital banking deposits in a major bank of Korea(1,145 samples). Statistical analysis was performed using SPSS. The main findings of the study are summarized as follows. It was found that there were differences of consumer behavior in digital banking deposits by generation, and the MZ generation used digital banking more on holidays than other generations. As a result of analyzing the behavior of existing loyal customers and regular customers of digital banking deposit, there was a significant difference in both the amount and period of the deposit. It was confirmed that the existing loyal customers of the bank also engage in consumer behavior that contributes to the bank in digital banking. In addition, the interaction between the customer type and the date of sign up for the deposit period, which is the goal setting of financial consumers, it was found that there was a significant effect. This study empirically analyzed the consumer behavior of digital banking in a situation where decrease of bank branches and encounters with digital banking. The major concepts of the consumer behavior theory are Loyal Customer, Goal Pursuit, and Habit, which were confirmed in an example of digital banking. The results of this study can suggest practical implications for existing banks and Internet-only banks, including the importance of customer management in digital banking.

A Study on the Large-Scale Power Blackout Management System in the Level of National Crisis Management (대규모 정전상태에 대비한 국가위기관리 방향에 관한 연구)

  • Cho, Kwang-Rae;Joo, Il-Yeob
    • Korean Security Journal
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    • no.10
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    • pp.387-407
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    • 2005
  • Thanks to the developments of IT technologies, such critical infrastructures as fundamental structures of energies, material circulations, monetary circulations, and living necessaries are intertwined as well as mutually dependent. In this respect, the fact that national infrastructures are closely related to IT infrastructures implies not only expected benefits to provide diverse information-based services, but also anticipated costs to bring about new dangers. However, in spite of these threats, traditional researchers have not put enough interests in these indirect danger, which yield the damages in broad areas through paralyzing risk management systems, although they have investigated such direct threats as nuclear accidents, conflagrations, traffic troubles, and gasoline accidents. Considering that the tendency to depend on electricity, so-called electrification, which is caused by automation and informationalization, is intensified in all parts of society, the breakout problem as a factor to inhibit securities in information-oriented society is significant. Thus, the problems of large-scale power blackout should be treated as national crises. Also, preparation systems for large-scale power blackout have to be provided quickly. In this paper, with analyzing various cases of large-scale power blackout and investigation the causes of them, researches on the blackout management systems of Korea are to be present, on the basis of national crisis management states which are comprised of protection (mitigating and preparing), responding, and recovering(rewarding).

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The Dynamic Relationship between Stock Returns and Investors' Behavior : Trading Hour and Non-trading Hour Analysis (주가와 투자 주체의 상호 관계에 관한 연구 : 거래 시간대와 비거래 시간대 수익률 분석)

  • Ko, Kwang-Soo;Kim, Kwang-Ho
    • The Korean Journal of Financial Management
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    • v.27 no.2
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    • pp.145-167
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    • 2010
  • We investigate the dynamic relationship between stock returns and investors' behavior. For the putpose of the paper, daily KOSPI returns are decomposed into two parts: overnight returns and daytime returns. Overnight return is measured by the closing price of the previous day and the opening price of the current day. And daytime return is measured by the opening and closing prices of the current day. Qvernight returns are assumed to reflect global economic information, and daytime returns, domestic or local information. Major results are as follows: Foreign investors' behavior has an effect on the overnight returns more than the daytime returns. Individual investors' behavior, however, has little effect on the overnight returns, but not the daytime returns. Consequently, forecast error variance decomposition shows that the variance explanation power of foreign investors is higher in overnight returns rather than in the daytime returns. And the variance explanation power of individual investors is higher in daytime returns rather than in overnight returns. It implies that foreign investors employ dynamic hedging strategies and give more weight to global economic information rather than to domestic information. We conclude that investment behavior of foreign investors and domestic individuals is based on different economic information. This paper's findings are consistent with the economic situation that the Korean capital markets have faced since the global financial crisis of August 2008.

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The Study on the Risk Predict Method and Government Funds Supporting for Small and Medium Enterprises (로짓분석을 통한 중소기업 정책자금 지원의 위험예측력에 대한 연구)

  • Choi, Chang-Yeoul;Ham, Hyung-Bum
    • Management & Information Systems Review
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    • v.28 no.3
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    • pp.1-23
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    • 2009
  • Prior bankruptcy studies have established that bankrupt firm's pre-filing financial ratios are different from those of healthy firms or of randomly selected going concerns. However, they may not be sufficiently different from the financial ratios of other firms in financial distress to allow the development of a ratio-based model that predicts bankruptcy with reasonable accuracy. As the result, in the multiple discriminant model, independent variables divided firms into bankrupt firms and healthy firms are retained earnings to total asset, receivable turnover, net income to sales, financial expenses, inventory turnover, owner's equity to total asset, cash flow to current liability, and current asset to current liability. Moreover four variables Retained earnings to total asset, net income to sales, total asset turnover, owner's equity to total asset indicate that these valuables classify bankrupt firms and distress firms. On the other hand, Owner's Equity to borrowed capital, Ordinary income to Net Sales, Operating Income to Total Asset, Total Asset Turnover and Inventory Turnover are selected to predict bankruptcy possibility in the Logistic regression model.

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Financial Analysis Model Development by Applying Optimization Method in Residential Officetel (최적화 기법을 활용한 주거용 오피스텔 수지분석 모델 개발)

  • Jang, Jun-Ho;Ha, Sun-Geun;Son, Ki-Young;Son, Seung-Hyun
    • Journal of the Korea Institute of Building Construction
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    • v.19 no.1
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    • pp.67-76
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    • 2019
  • The domestic construction industry is changing according to its preference for demand and supply along with urbanization and economic development. Accordingly, initial risk assessments is more important than before. In particular, demand for lease-based investment products such as commercial and office buildings has surged as a substitute for financial products due to low interest rates of banks. Therefore, the objective is to suggest a basic study on financial analysis model development by applying optimization method in residential officetel. To achieve the objective, first, the previous studies are investigated. Second, the causal loop diagram is structured based on the collected data. Third, the system dynamics method is used to develop cost-income simulation and optimization model sequentially. Finally, the developed model was verifed through analyzing a case project. In the future, the proposed model can be helpful whether or not conduct execution of an officetel development project to the decision makers.

The Effects of the Government Funding on Venture Firms' Management Performance: Focusing on the Mediation Effect of Firms' Internal Competencies and the Moderation Effect of Firm's Growth Stage (정부지원자금이 벤처기업의 경영성과에 미치는 영향에 관한 연구: 내부역량의 매개효과와 기업 성장단계의 상호작용효과를 중심으로)

  • Lee, Younghun;Song, Eugene
    • Asia-Pacific Journal of Business Venturing and Entrepreneurship
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    • v.14 no.2
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    • pp.31-46
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    • 2019
  • As the importance of venture firms has increased as a new growth engine, the South Korea government makes various efforts to establish healthy ecosystems for ventures and start-ups. Especially in order to foster the competitiveness of venture firms, various support policies such as financial and R&D expenses are being expanded and promoted. In this study, the author analyzed the impact of government funding on venture firms' internal competencies and management performance by using the resource-based theory. Moreover, this study tested the moderation effect of firm's growth stages. Unlike previous studies, this study focused on qualitative rather than quantitative aspects of internal competencies and the financial and non-financial performance are used to measure the management performance of the ventures to examine the effects of government funding for venture firms in more details. For the purpose of verifying the hypothesis of this research, "The Research On The Precision Status Of Venture Firms" in 2017 from the Ministry of Small and Medium Business was utilized, which has been compiled since 1999. According to the results of this study, the government funding experience did not significantly affect the company's internal competencies and financial performance, but had a significant impact on the non-financial performance, which in turn seemed to have a significant effect on the financial performance. In addition, it was found that the technology, price, design, and quality competencies affected non-financial performance, while the organizational management and marketing competencies did not. However, the price, design, organizational management, and marketing competencies affected financial performance, while the technology competency was not. Finally, there were no differences in the effectiveness of government funding, depending on the growth stages.

The Effect of Product Scarcity and Purchase Behavior in Location-Based Application Services (위치기반 어플리케이션 서비스에서 제품의 희소성과 구매행동과의 영향)

  • Wang Ming;Hyeokjun Kwon;Jaewon Choi
    • Information Systems Review
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    • v.20 no.2
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    • pp.209-226
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    • 2018
  • Location-based services have distinctive service characteristics compared to the past online commerce used on the desktop. In any place, mobile communication devices can be used to access online and utilize online shopping, and it is more convenient for users. In addition, by providing shopping and service information specific to each location, it is possible to provide convenience to the consumers according to their locations. In addition, it provides scarcity of information as well as location, thereby increasing consumers' desire to purchase. In this study, we investigated the effect of scarcity on the Purchase intention of consumers in location-based services. The steps of scarcity are: first, a step without scarcity, Second, providing time limit information, Third, providing quantity limitation information, Fourth, the experiment was designed to provide time and quantity limitation, and 4 groups were analyzed through experimental stimuli The purpose of this study is to verify the moderating effect of the dependent variable on the degree of scarcity by adding 'ubiquity', 'interactivity' and 'privacy' which are characteristics of location-based service. As a result of the analysis, scarcity of time and scarcity of quantity limitation scarcity stimuli showed a moderating effect on ubiquity, interactivity and consumer's purchase intention, and these variables also directly or indirectly affected positively. Consumer confidence was found to have a negative effect on consumers' purchase intentions.

The Effect of Push, Pull, and Push-Pull Interactive Factors for Internationalization of Contract Foodservice Management Company (위탁급식업체 국제화를 위한 추진, 유인 및 상호작용 요인의 영향 분석)

  • Lee, Hyun-A;Han, Kyung-Soo
    • Journal of Nutrition and Health
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    • v.42 no.4
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    • pp.386-396
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    • 2009
  • The purpose of this study was to analyze the effect of push, pull and push-pull interactive factors for CFMC (Contract Foodservice Management Company)'s internationalization. The study was a quantitative study part in mixed methods (QUAL ${\rightarrow}$ quan) which was mainly qualitative study and quantitative study. Mail survey was carried out for quantitative study. For study subjects, 1,281 persons who completed 'Food Service Management Professional Program' of 'Y' University were selected as a population because the program was mainly for CFMC's workers. The analysis methods used in this study were frequency analysis, factor analysis, correlation analysis and multiple regression analysis with SPSS 17.0. Push factors had the saturation in domestic market and the manager's purpose (fac.1) and the investment for internationalization (fac.2). Pull factors had the company's external environment for internationalization (fac.3) and the global network and spread of culture (fac.4). Push-pull interactive factors had the information about foreign market (fac.5), the procedure and budget of overseas expansion (fac.6) and the national network and size of domestic market (fac.7). Internal dynamics factors had the deterrents for internationalization (fac.8) and the enablers for internationalization (fac.9). The result showed that the company's external environment in pull factors had positive effects on the deterrents for internationalization. The global network and the spread of culture had positive effects on the enablers for internationalization. The information about foreign market in push-pull interactive factors had positive effects on the deterrents and enablers for internationalization. The national network and the size of domestic market had positive effects on the enablers for internationalization. The deterrents and enablers for internationalization had positive effects on the level of internationalization, and the deterrents had more effects on the level of internationalization than the enablers did (${\beta}$= .492 > .177).

The Strategic Approach to FTA Governmental Negotiation Method between China (중국과의 FTA 협상방식을 위한 전략적 접근)

  • Na, Seung-Hwa
    • The Journal of Industrial Distribution & Business
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    • v.1 no.1
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    • pp.13-21
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    • 2010
  • Since Korea establish diplomatic ties with China in 1992, korea and China have had rapid progress in most of field as politic, economy, society and culture through basing on cultural commonality and geographical adjacency. Especially, China is the biggest trading partner to korea, and also Korea is third-biggest trading country to China. They become strategic cooperating relation in 2008. Currently, in terms of international trade relation, WTO/DDA negotiation is proceeding in difficulty, but FTA has been growing and extending in the world, and the two country, china and korea, have been competitively trying wide and active FTA negotiation promotion. After Financial crisis in 1997, according to the requirement of local economic cooperation, China has shown the interest to several countries since the conclusion of FTA treaty with ASEAN in 2005. China also makes the active afford to conclude FTA with Korea. Last May 28th, this was mentioned in the meeting between president Lee and Premier Wen Jiabao, so it is anticipated that the negotiation for FTA will be started in the near future. There are many political suggestions and concerns in terms of way of negotiation korea would choose. Some economist said that "'Continuous FTA aimed at long-term protocol should be promoted between korea and China and negotiated includingly'" However, this research claims that commodity exchange, service, and investment areas should be included and it has to be comprehensive package settlement style in negotiation. This research has found out the characteristics of China's negotiation and implications through the China's existed FTA negotiation examples. Currently, China has taken Continuous or a phase-negotiation method to ASEAN, Pakistan, Chile and some other developing country and to advanced countries like New Zealand or Singapore, comprehensive package settlement method is used in FTA negotiation. In consider of the FTA negotiation between Korea and China, Korea has some problems in the commodity change area in agriculture maket's opening. While, for china, the issues would happen in service trade area, especially when encountering finance and communication industries are opened, China's economy could be exposed to some risk. In result, Korea should expand its negotiation range from commodity trade to service trade, in order to exchange both issues, then the negotiation will be concluded more easily. In other word, for FTA, korea should follow comprehensive package settlement way that is similar to New zealand and Singapore case. Through this kind of method, Korea can expect effect of creating trade, conversion of it and preoccupancy of service field in china's market against the advanced countries like Usa, Europe and Japan. Also, to have a successful FTA negotiation, korea should find out china's policy for FTA negotiation. With this information, korea will be able to suggest the way to make a profit. Systematic analysis and comparison about previous negotiation cases of china are needed before the negotiation begin.

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