• Journal of Digital Convergence
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• v.17 no.1
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• pp.141-148
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• 2019

The advancement of digital technology accelerates intelligence, convergence, and demands better change beyond traditional methods in all aspects of business models and technologies, infrastructure, processes, and platforms. Risk management is becoming more important because of various security risks, depending on the changing business environment and aligned to business goals is emerging from the existing information asset based risk management. For business aligned risk management, it is essential to understand the risk appetite for achieving business goals, which provides a basis for decision-making in subsequent risk management processes. In this paper, we propose a framework for analyzing the risk management framework, pre - existing risk analysis, and protection motivation theory that influences decisions on security risk management. To examine the practical feasibility of the developed risk appetite framework, we reviewed the applicability and significance of the proposed risk appetite framework through an advisory committee composed of security risk management specialists.

• The Journal of the Korea Contents Association
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• v.11 no.8
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• pp.187-197
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• 2011

There are many researches about effects of consumer innovativeness on the new product adoption behavior. However most of these studies regard this construct as one dimensional concept so that the extant studies suggest very ambiguous results about the relationship between consumer innovativeness and adoption behavior. This study subdivides the construct as cognitive innovativeness and sensory one and suggest these two types of consumer innovativeness affect on the risk perception of the potential adopter differently when the consumer adopt new product. In the empirical research through regression analysis and structure equation model with 217 samples, the study shows the consumer who have high level of cognitive innovativeness are more sensitive to functional risk of new products compared to one who have high level of sensory innovativeness. On the other side, sensory innovative consumer perceive social risk more when they adopt new products than cognitive innovator who have higher level of cognitive innovativeness. The result means there are dual paths on the relationship between consumer innovativeness and new products adoption behavior. Unlike the early studies, this study shows that there's dual path in relationship between the consumer's innovativeness and new product adoption. That is the consumer who have higher sensory innovativeness perceive the social risk of new products more sensitively than functional risk but the consumer who have cognitive innovativeness perceive functional risk more. So, new product adoption behavior would be different depending on the sensory or cognitive innovativeness.

• Korean Business Review
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• v.17
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• pp.137-151
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• 2004

Wrap accounts are customized financial services for which investment companies and stock brokers manage investors assets based on their preferences. The success of wrap accounts depend upon the accurate understanding of investment risk propensity and the proper designing of financial portfolio. To this end investment companies should accurately measure investors investment risk propensity with calibrated measures. There, unfortunately, exist few highly calibrated measures of investment risk propensity. Therefore the practices of marketing strategies and customer management often turn out to be less effective and fragile to competition. The purposes of this present study aim to understand the investment risk propensity of wrap accounts customers, to help classify the customers based on the degree of the investment risk propensity, and to implement relevant marketing strategies for different groups of customers. Based on previous studies, two hypotheses were delineated and verified. The findings of the study should help differentiate prospective customers into unique and accessible segments for further targeting and positioning wrap account markets.

• Korean Journal of Culture and Social Issue
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• v.19 no.3
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• pp.367-388
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• 2013

This study examined how drivers of different cultural orientations(individualism vs. collectivism) attribute the cause(dispositional vs. situational) of four simulated driving situations which were varied in types(cutting-in and sudden-stop by the other driver) and differential emphasis on other the other driver's driving attitude or situational factor. The results showed the followings. First, the drivers generally showed higher attribution scores on the dispositional factor than the situational factor, except for the 'sudden-stop: situation emphasis' scenario condition. Second, when drivers' cultural orientation and attribution styles were considered together, it was found that, except for the 'cutting-in: disposition emphasis' scenario condition. the drivers of collectivism tended to attribute more to situational factor than the drivers of individualism, In contrast, the drivers of individualism showed higher attribution scores on dispositional factor than situational factor in all driving scenario conditions. Implication and suggestion were discussed.

• Korean Journal of Cognitive Science
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• v.24 no.2
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• pp.173-201
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• 2013

This study aimed to investigate the differential effects of individual's cultural disposition (individualism-collectivism or horizontal-vertical thinking) and need for cognitive closure(NFC) on framing effects. For this purpose, the participants were divided into 4 different cultural disposition groups based on Singelis et al.'s[1] INDCOL scale, and 2 different NFC groups based on Lee's[2] NFC Scale, and then asked to respond on 5 decision making scenarios. The results can be summarized as followings. First, participants preferred risk-avoidant option in gain frame, whereas risk-seeking option in loss frame. Second, there are no difference of cultural disposition on framing effects, but high NFC group showed larger framing effects than low NFC group in loss frame. Third, collectivism and vertical thinking in high NFC condition showed larger framing effects than low NFC condition.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.14 no.8
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• pp.3804-3814
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• 2013

This study examined the fitness of a structural model on the relationship among biological risk disposition, sociocultural risk factors, self-control, social support, and suicidal ideation for woman adolescents. Data were collected from December 3, 2012 to March 28, 2013 by questionnaires from 343 middle and high school students in the D metropolitan city. The data was analyzed by the SPSS and AMOS programs. Biological risk disposition, sociocultural risk factors, self-control, and social support showed a direct effect on suicidal ideation for woman adolescents, while biological risk disposition and sociocultural risk factors showed an indirect effect on suicidal ideation for woman adolescents. Biological risk disposition and sociocultural risk factors showed a direct effect on self-control and social support for woman adolescents. Based on the outcomes of this study, it is necessary to design an intervention program that emphasizes the reducement of biological risk disposition, sociocultural risk factors and enhancement self-control and social support in order to prevention woman adolescents' suicidal ideation.

• 한국벤처창업학회:학술대회논문집
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• 2023.11a
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• pp.85-89
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• 2023

최근 급변하는 세계 경제 환경에서 창업기업은 혁신, 고용 및 경제 활력의 핵심 동력으로 등장했다. 그러나 초기 창업 기업이 성장하는 여정에는 많은 어려움이 따르며, 이 과정에서 엔젤투자자의 역할이 필수적이다. 초기 창업 시장의 촉매제 역할을 하는 엔젤투자자는 필요한 자본을 제공할 뿐만 아니라 경영 노하우 및 네트워크를 통해 창업기업이 성공할 수 있도록 지원한다. 그러나 최근 데이터에 따르면 신생 기업 중 엔젤 투자의 혜택을 받는 기업은 1.4%에 불과한 것으로 나타나 창업기업의 잠재력과 지원 사이에는 분명한 공백이 존재한다. 이 연구는 지속가능한 경제 성장을 위해 창업 생태계의 중요한 요소인 엔젤투자자의 위험회피 성향을 이해함으로써 이들의 투자 행동, 의사결정 프로세스에 대한 통찰력을 얻을 수 있다. 위험회피가 엔젤투자에 미치는 영향을 알아보고 엔젤투자가 활성화 될 수 있는 방법을 제안하고자 한다. 본 연구를 통해 위험회피 성향이 엔젤투자에 대한 관심도와 실제 투자 활동 간의 관계를 추정해보고자 한다. 위험회피 성향이 엔젤투자자에 어떻게 영향을 미치는지 탐색하는 것에 중점을 두고, 엔젤투자자의 행동과 관심사에 영향을 미치는 다양한 요인들을 포함하여 진행한다. 연구 표본은 서울 및 경기 지역의 일반 성인과 엔젤투자자로 설문조사를 통해 필요한 데이터를 수집한다. 이 연구는 위험회피 성향이 엔젤투자 결정에 어떻게 반영되는지에 대한 깊은 이해를 제공하고, 엔젤투자 활성화를 위한 정책 및 전략을 수립하는데 중요한 통찰력을 제공할 것이다.

• KSCE Journal of Civil and Environmental Engineering Research
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• v.32 no.4D
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• pp.313-322
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• 2012

This study analyzes taxi driver's risk-taking propensity with respect to risk-taking behaviour and traffic locus of control. In order to explore the traffic risk-taking, we present a predictive model by structural analysis of driver's risk-taking propensity. By applying this model to survey data from taxi drivers, we can observe that driver's risk-taking propensity has a significant impact on the traffic violation intention, and the higher perception of law and the lower lack of law-abiding drivers have, the more they tend to violate. Second, we test using multivariate analysis if the level of risk-taking propensity differs by the locus of control( external or internal). Drivers of external control shows higher risk-taking level compared to those of internal control so that the risk-taking propensity shows difference according to the locus of control for the responsibility of traffic accidents. The structural equation model of our study yielded ${\chi}^2$ = 279.7, ${\chi}^2$/df = 1.55, RMSEA = 0.44, GFI = 0.911, TLI = 0.916, CFI = 0.929.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.20 no.10
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• pp.47-53
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• 2019

This study examined the effects of risk aversion on the Self-Insurance-cum-Protection activity (SICP) in a two period model, which is in contrast to existing studies that focused on an one period model. The assumption that there is a time difference between making an effort and incurring loss helps examine the effects of risk aversion in the long-term period. An increase in risk aversion always increases the efforts of SICP, whereas existing studies require additional restrictions to both the loss and cost function. Second, an increase in risk aversion always increases the efforts on self-insurance and self-protection. This result is in contrast to that of existing studies in that an increase in risk aversion increases the efforts of self-insurance, whereas the effects on the efforts of self-protection are unclear. Lastly, when there exists a background risk with zero mean and risk aversion increases in a two period model, the prudence condition of the utility function is a sufficient condition to increase the efforts of SICP.

• Proceedings of the Korean Society of Disaster Information Conference
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• 2022.10a
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• pp.211-212
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• 2022

본 연구에서는 경기도 일대 2곳의 대형 아파트 현장의 외국인 작업자 165부의 유효 설문지를 바탕으로 외국인 작업자들의 습관적 행위, 공격성, 상황회피, 심리불안 요인이 위험행동과 안전사고 위험지수에 미치는 영향 관계를 가설검증을 통해 습관적 행위, 공격성, 상황회피 및 심리불안 요인은 위험행동에 영향을 미치는 것으로 나타났으며, 습관적 행위 요인은 안전사고 위험지수에도 영향을 주는 것으로 나타났다. 하지만 공격성, 상황회피, 심리불안 요인은 안전사고 위험지수에 유의한 영향을 미치지 않는 것으로 나타났다. 그러나 위험작업 행동은 안전사고 위험지수에 유의한 영향을 미치는 것으로 나타나 개인적인 성향과 연관이 있는 습관적 행위, 공격성, 상황회피 및 심리불안의 상태가 위험작업으로 발전할 수 있고, 이러한 위험작업행동은 안전사고로 이어질 수 있는 결과를 알 수 있었다. 따라서 외국인 건설현장 작업자의 증가로 인한 안전사고의 증가 문제는 외국인 작업자 때문이기 보다는 외국인 작업자 개인의 성향에 초점을 둘 필요성이 있다고 판단되며, 각 사업장에 직접 투입된 외국인근로자의 성향분석과 그에 따른 개선방안을 도출하면 사고를 줄일 수 있을 것으로 생각된다.