• Title/Summary/Keyword: 위험선호

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REMM과 재무관리의 이해

  • O, Hyeon-Tak
    • The Korean Journal of Financial Studies
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    • v.12 no.1
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    • pp.45-62
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    • 2006
  • M. C. Jensen과 W. H. Meckling이 쓴 'The Nature of Man' 논문의 핵심은 역시 REMM(Resourceful Evaluative Maximizing Model)이다. REMM이라는 용어는 새롭지만 개념은 200년 이상의 연구와 경제학과 사회과학과 철학적 토론의 산물이라는 것이다. REMM에서의 핵심은 Resourceful이다. 어떤 이론이나 정책이건 어떤 가정과 한계가 있다는 의미로 사용할 수도 있다. 재무관리의 모태인 경제학에서 지금까지 사용된 모델은 고전 경제학시대부터 일관되어 왔던 추상적 의미의 이익(효용)극대화 모델이다. 재무관리는 그 목적이 궁극적으로 인간의 소비선호체계를(people's consumption preference) 극대화 하는 것이고, 한정된 자원(scare resources)을 시간에 따라 어떻게 배분하여 효용(utility)을 극대화하는 것을 중심과제로 삼고 있다. 효용의 극대화를 위한 자원배분은 생산자원을 어떻게 배합하여 가치생산을 극대화하느냐 하는 생산에의 배분문제와 생산된 재화 및 서비스를 사람들의 욕구충족을 최대로 하는 소비에의 배분문제로 나눠 생각해 볼 수 있다. 그런데 적어도 재무관리에서는 후자는 다루지 않고 가치생산의 문제만 다룬다. 이러한 가정하에서 재무관리의 목표와 이에 따르는 재무관리이론(가정)의 전개는 가치창조와 소비에의 배분을 통한 효용의 극대화를 다루는 경제학의 이론을 답습함으로 일부 혼선을 불러올 수 있다. 위험에 대한 재무담당자(투자자)의 태도를 재무관리의 입장이 아니라 경제현상 전체에 해당되는 입장에서 다루므로 각 각의 교재마다. 투자자의 부 또는 수익에 대한 효용과, 위험과 수익에 대한 무차별곡선이 달리 표현되고 있다. 재무관리 책에서는 재무관리의 가정하에서 투자자의 수익에 대한 효용, 그리고 수익과 위험에 대한 무차별곡선이 정립되어야 할 것이다.

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A Study on the Effect of Perceived Risk in Choosing a Korean Restaurant on Customer Behavior - Based on Chinese Students Studying in Korea - (한식당 선택 시 인지된 위험 지각이 고객 행동 의도에 미치는 영향 - 중국인 유학생을 대상으로 -)

  • An, Hyun-Ae;Byun, Gwang-In;Kim, Dong-Jin
    • Culinary science and hospitality research
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    • v.16 no.3
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    • pp.51-65
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    • 2010
  • This study attempts to examine how the perception of risk and customer satisfaction influence the intention to recommend when selecting a Korean restaurant. 257 copies of the questionnaire for the Chinese students studying in Daegu and Gyeongsangbuk-do are analyzed. Three hypotheses were established and the results are as follows. First, as a result of difference analysis about perception of risk depending on dining types, there are significant differences in all factors of preception of risk partially. Second, as a result of difference analysis of customer behavior depending on dining types, there are significant differences between revisit intention and recommendation intention, and dining motivation and preferred Korean menu. Third, the effects of 6 factors of perception of risk on customer behavior are analyzed, and there are decreased customer satisfaction as the customers perceive financial and psychological crisis highly.

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Design and Implementation of Chronic Disease Risk Analysis System according to Personalized Food Intake Preferences (개인 식품섭취 선호도에 따른 만성질환 발생 위험도 분석 시스템 설계 및 구현)

  • Jeon, So Hye;Kim, Nam Hyun
    • Journal of the Institute of Electronics and Information Engineers
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    • v.51 no.3
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    • pp.147-155
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    • 2014
  • While variety of content on the internet has increased with the development of IT and person's needs about suitable information are increasing rapidly, studies for personalized service have been actively performed. In the study, we proposed the Hypertension and Diabetes risk analysis system according to personal food intake preference using the analysis method of buying preferences in product recommendation system. For the analysis of food intake preference, the Pearson correlation coefficient is used to calculate similarity weights between each reference analysis data and sample data and then reference data should be grouping into the similarity weights and calculating risk of hypertension and diabetes each group. To evaluate the significance of this system, 1,021 subjects are applied the system. Hypertension and diabetes groups' risk is significant higher than normal group statistically so, it is confirmed that food intake preference and the diseases were relevant. In this paper, we verify the validity of hypertension and diabetes risk analysis system using a personal food intake preference.

Effect of Perceived Risk, Perceived Benefit, and Korea Wave to Crowdfunding Participation in China (중국 소비자의 크라우드 펀딩 참여에 있어 지각된 위험, 지각된 이익, 한류문화콘텐츠의 영향에 관한 연구)

  • Lee, Han-Suk
    • The Journal of the Korea Contents Association
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    • v.16 no.1
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    • pp.204-213
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    • 2016
  • Crowd funding can be understood that consumers are participated in production process before real commercialization. These days there are some expectancy and worry about foreign capital influence to Korea Wave. This study is to find out the possibility that Korea Wave can lead to investment to make new cultural contents and find possibility as new investment funding source. Expecially this research did survey at Gwangjou in China with 20s and find their possibility to invest money for crowd funding related to Korea Wave and we evaluate consumer's Korea Wave preference. The results showed that with more preference of Korea Wave decrease consumer's perceived risk and increase consumer's perceived benefit. With this research we can find some possibility of motive for consumer's direct investment to Korea Wave project in Korea.

The Effects of Product Involvement on Required Trust Level and the Online Merchant Choice (제품관여도가 요구 신뢰수준 및 온라인 상인의 선택에 미치는 영향)

  • Lee, Jung-Min;Cho, Hwi-Hyung;Seo, Yong-Won;Hong, Il-Yoo
    • Information Systems Review
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    • v.13 no.2
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    • pp.17-41
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    • 2011
  • A review of the related literature indicates that consumers' risk perceptions are largely affected by product involvement. This study investigates the impact of product involvement on required trust level and the online merchant choice. We developed a conceptual model that depicts the nomological relationships among product involvement, required trust level, and the online merchant choice, and formulated three hypotheses based on the conceptual model. An empirical study designed to accomplish the research objectives has been conducted using a questionnaire survey with 230 students in a university in Korea. The findings indicated that high-involvement products have higher trust level as required by consumers than low-involvement products, that consumers buying high-involvement products prefer digital storefronts, and that consumers buying low-involvement products prefer B2C e-marketplaces. The paper offers implications for academics as well as practitioners, based on the research results.

Analysis of Urban Network Operability and Crash Risk Change Caused by Rainfall Using Two-fluid Model Parameters (Two-fluid Model 파라미터를 활용한 강우에 따른 도시부 네트워크 운영성 및 위험도 변화 분석)

  • Lee, Jaehyeon;Moh, Daesang;Kim, Sunho;Lee, Chungwon
    • KSCE Journal of Civil and Environmental Engineering Research
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    • v.40 no.2
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    • pp.167-175
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    • 2020
  • The Two-fluid Model, proposed by Herman and Prigogine in 1979, is a macroscopic model for describing network operability in urban networks. Since the Two-fluid Model parameters change according to the traffic flow characteristics, it is necessary to identify the cause of flow change when analyzing the operability using the parameters. This study compared the crash risk according to rainfall using the Two-fluid Model parameters, and explained that the driving behavior affects the operability of the urban network. The results of the parameters estimation showed poor network operation under rainfall condition. The factors of drivers' crash risk perception model were calculated, and driving behavior was analyzed due to crash risk according to rainfall. In both the morning and evening, drivers tended to slow down their speeds to reduce the crash risk, because the risk on rainy days could be high when the speed was the same as on a sunny days. However, the crash risk was still higher on rainy days than sunny. In the future, it is necessary to analyze the relationship between the network operation and the crash risk in various networks and to improve both.

Design and Implementation of effective ECC Encryption Algorithm for Voice Data (음성 데이터 보안을 위한 효율적인 ECC 암호 알고리즘 설계 및 구현)

  • Kim, Hyun-Soo;Park, Seok-Cheon
    • Journal of the Korea Institute of Information and Communication Engineering
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    • v.15 no.11
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    • pp.2374-2380
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    • 2011
  • Many people is preferred to mVoIP which offers call telephone-quality and convenient UI as well as free of charge. On the other hand, security of mVoIP is becoming an issue as it using Internet network may have danger about wiretapping. Although traditionally encryption algorithm of symmetric key for security of voice data has been used, ECC algorithm of public key type has been preferring for encryption because it is stronger in part the strength of encryption than others. However, the existing way is restricted by lots of operations in poor mobile environment. Thus this paper proposes the efficiency of resource consumption way by reducing cryptographic operations.

Diabetes Risk Analysis Model with Personalized Food Intake Preference (개인 식품섭취 선호도에 따른 당뇨병 발생 위험도 분석 모델)

  • Jeon, So-Hye;Kim, Nam-Hyun
    • Journal of the Korea Academia-Industrial cooperation Society
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    • v.14 no.11
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    • pp.5771-5777
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    • 2013
  • The need of continuous management for diseases came to the fore as a chronic disease has increased, however, research related to personalized food intake analysis are insufficient. In diabetes risk analysis model of this study, food preferences are calculated by Pearson correlation coefficient that is proven method to assess the similarity, and diabetes risk is computed as a Logistic regression that was used in prevalence studies. For the Significance evaluation of this model, it was verified through t-test at 0.05 level of 52 comparison subjects and 52 control subjects. Both groups were significantly independent (p=0.046 <0.05). This model is a new way to personalized health management, through the application to healthcare system based on web and mobile.

Perception Survey of Nuclear Power after the Nuclear Plant and Thyroid Cancer Controversy (원자력발전소와 갑상선암 논란 이후 원자력에 대한 인식 조사)

  • Lee, Jae-Heon;Park, Eun-tae
    • Journal of the Korean Society of Radiology
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    • v.11 no.1
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    • pp.19-25
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    • 2017
  • In this study, in order to analyze the general awareness of the nuclear power according to the controversy of thyroid cancer around nuclear plant, we investigated risks, preference and economics regarding type of power, and awareness of pre-post nucl ear power targeting the Busan Metropolitan residents. As a result, there has been a change in people's awareness of nuclear power as a result of the controversy thyroid cancer around nuclear plant. Especially, there was the greatest increase in the risk factors compared to before the event(p<0.05). Negative awareness of nuclear risk was shown to be expressed differently accor ding to the difference between groups. It is thought that this is due to the different prior experience of each individuals or obtained information through the interaction with others rather than on scientific and objective grounds. In order to establish a nuclear power policy considering the level of the people in the future, it seems that the efforts to understand the attitudes and opinions of people about nuclear power and above all, a scientific trust in nuclear power should be guaranteed.

College students' classes type and campus life due to the COVID-19 pandemic (COVID-19에 따른 대학생들의 수업방식 및 대학생활)

  • Bu-Yeon Park;Jae-Hong Lee
    • Journal of the Health Care and Life Science
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    • v.9 no.2
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    • pp.245-252
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    • 2021
  • We surveyed the lecture types and campus lifes which college students preferred during COVID-19 Pandemic situation. Students who attend colleges in Gwangju city, Jeonnam and Jeonbuk province, answer a questionnaire. The principal result of the survey showed that all grades preferred un-contact lecture but nevertheless also preferred the compound method of contact and un-contact lecture(p=0.923). In educational satisfaction degree by lecture type, the degree of satisfaction for contact lecture ranked highest at 2.82(p=0.000). But the survey showed the degree was not a variable which had a significant effect on the improvement of scholastic performance(p=0.325). The questionnaire analysis shows that students demand un-contact lecture high because of infection risk, but they wish the un-contact lecture which can solve problems in real time rather than the recorded lecture. As a result of this study, instructor is highly required to prepare un-contact teaching plans which reflect the demands of students.