• The Journal of Society for e-Business Studies
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• v.22 no.4
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• pp.129-139
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• 2017

With the advent of FinTech, many financial services have become available in the mobile Internet environment and recently, there is an internet bank that provides all bank services online. As the proportion of financial services over the Internet increases, it offers convenience to users, but at the same time, the threat of financial network is increasing. Financial institutions are investing heavily in security systems in case of an intrusion. However attacks by hackers are getting more sophisticated and difficult to cope with. However, applying an IP Trace-back method that can detect the actual location of an attacker to a financial network can prepare for an attacker's arrest and additional attacks. In this paper, we investigate IP Trace-back technology that can detect the actual location of attacker and analyze it to apply it to financial network. And we propose a new IP Trace-back method through Infra-structure construction through simulation experiments.

• KDI Journal of Economic Policy
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• v.36 no.2
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• pp.65-101
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• 2014

This paper estimates and characterizes expected inflations using an affine term structure model based on the empirical stochastic process of the interest rates in Korea. The empirical results show that the expected inflation which marked above 4% before the global financial crisis has dampened and stabilized after the crisis. Moreover, we investigate the rationality of the various expected inflation measures in terms of the unbiasedness and efficiency and find that unbiasedness is not rejected across the all measures, while the efficiency cannot be empirically warranted. Besides, we run Granger causality tests and conclude that the expected inflations compiled from the Consensus, BOK-Expert have the cross-causality with the long-run actual inflation, while the expected inflation estimated from the term structure model has the cross-causality with the short-run actual inflation. These results connote that expected inflations collected from different sources and methods have their targets and horizons and the central bank needs to watch all of them with a balanced view instead of preferring one to the other.

• KDI Journal of Economic Policy
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• v.18 no.2
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• pp.63-116
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• 1996

우리나라 제조업(製造業)의 수직적(垂直的) 구조(構造)는 선진공업국에 비하여 소(小) 영세기업(零細企業)의 비중이 월등히 높은 피라미드형의 형태를 보이며 80년대말 이후 소기업군의 확대는 더욱 두드러지고 있다. 이처럼 소기업의 비중이 높아진 것은 제조업체들이 가격경쟁력(價格競爭力)을 높이기 위하여 생산비용이 높게 드는 자체생산(自體生産)을 가능한 한 줄이고 임금(賃金)이 낮은 중소기업으로 생산공정을 이양해 왔기 때문이다. 소기업 비중이 높은 분업구조는 가격경쟁력이 중시되어 생산을 분업화해야 하는 경제체제에서는 높은 효율성(效率性)을 발휘한다고 평가할 수 있다. 90년대에 이르러 중소기업이 저가(低價)의 생산요소(生産要素)를 조달받기 어려운 경제여건이 조성되면서 중소기업의 경영불안이 높아지는 등 가격경쟁력을 유지하기 위한 생산분업체제(生産分業體制)는 한계(限界)에 도달한 것으로 보인다. 따라서 대기업과 중소기업간 분업도 기술(技術) 중심의 분업관계(分業關係)로 전환되어야 할 단계에 이르렀다고 볼 수 있다. 그러나 종전과 같이 소기업(小企業)에 의존하는 분업구조(分業構造)로는 기술분업(技術分業)이 정착되기 어렵다. 왜냐하면 연구개발, 전문인력의 고용 등 기술개발과 관련된 기업활동에는 생산량에 관계없이 고정비용(固定費用)이 들어서 기술개발 비용과 위험을 분산시키려면 기업의 생산규모가 상당히 커져야 하기 때문이다. 이는 소기업 중심의 분업구조가 중견기업(中堅企業)중심의 구조로 개편(改編)되어야 함을 의미한다. 중견기업이 육성되려면 첫째, 대기업과 직거래하는 중소업체(中小業體)의 수(數)가 축소되어야 한다. 거래업체수의 과다는 기업규모를 영세하게 만드는 가장 직접적 요인이기 때문이다. 그러나 거래업체의 정리과정에서 기존업체들이 중소기업 보호여론을 등에 업고 반발할 수 있고, 대기업이 교섭력을 강화하기 위한 수단으로 악용할 수 있으므로 객관적이고 투명한 정리기준의 제시가 전제되어야 한다. 둘째, 대기업의 중소기업에 대한 대폭적 자본참여(資本參與)가 허용되어야 한다. 대기업의 자본참여는 중소기업 지배를 강화할 것으로 우려되어 현재는 극히 부분적으로 허용하고 있으나, 개방경제하에서는 대기업과 국내 중소기업간의 협력관계를 유지시키는 효과적 수단으로 작용하게 될 것이다. 셋째, 은행 등 금융자본(金融資本)의 중견기업에 대한 투자(投資) 활성화(活性化)가 필요하다. 금융자율화로 금융기관의 수익성이 강조되는 상태에서 금융자본이 거래업체의 주주(株主)로서 참여하면 경영정보를 손쉽게 파악할 수 있어 우량업체의 신속한 육성이 가능해질 수 있다.

• The Korean Journal of Financial Studies
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• v.2 no.2
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• pp.367-382
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• 1995

본 연구에서는 시장평균환율제가 시행된 시점인 1990년 3월 2일부터 1991년 12윌 31일까지의 국내 원/달러 외환시장을 대상으로 선도환가격의 미래 예측기능, 즉 미래의 현물환율에 대한_불편추정치로서의 선도환율의 역할을 실증적으로 검증하였다. 국내 시중은행에서 거래한 달러 대비 원화의 현물환율과 1개월 만기의 선도환율 자료를 사용한 실증분석결과에 의하면, 현물환율은 선도환이 예측한 방향과는 반대의 방향으로 움직이거나 예측한 수준에 크게 벗어나고 있다. 그러나, 외환시장에 큰 영향을 준 것으로 보여지는 동 서독 통합과 중동전쟁을 기준으로 분석대상기간을 두개의 하부기간으로 나누어 다시 추정한 결과에 의하면, 선도환가격이 미래 현물환율에 대한 불편추정치라는 가설을 기각하지 못하고 있다. 이러한 결과는 환율변화에 대한 확율분포가 시간경과에 따라 크게 변하고 있으며, 실증분석에서는 이러한 분포의 시간종속성을 반드시 고려하여야 한다는 것을 시사하고 있다. 또한, 다른 외국통화에 대한 실증분석에서는 나타나지 않는 결과로서, 이는 우리나라 외환시장의 특성을 반영하고 있는 것으로 해석된다. 시장평균환율제가 변동폭을 제한하고 있으며 분석대상 기간 동안은 환율변동이 비교적 안정적이기 때문에, 선도환가격의 결정도 비교적 안정적으로 이루어 질 수 있었다. 이와 같은 요인들에 의하여, 현물환율의 변동이 매우 심한 다른 외국통화에 비하여, 원화 환율의 경우에는 선도환가격은 만기시의 현물환율에 근접하는 경향을 보이게 된 것으로 보여진다.

• Journal of Internet Computing and Services
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• v.21 no.6
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• pp.51-56
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• 2020

Cryptocurrencies, including Bitcoin, has decentralization, distribution and P2P properties unlike traditional currencies relies on trusted central party such as banks. All transactions are stored transparently and distributively, hence all participants can check the details of those transactions. Due to the properties of cryptographic hash function, deletion or modification of the stored transations is computationally not possible. However, cryptocurrencies only provide pseudonymity, not anonymity, which is provided by traditional currencies. Therefore many researches were conducted to provide anonymity to cryptocurrencies such as mix-based methods. In this paper, I will propose more efficient hybrid mix-based method for anonymity than previous mix-based one.

• Journal of Service Research and Studies
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• v.6 no.4
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• pp.59-74
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• 2016

The purpose of this paper is to see what the problem is and what the direction of the Investment of ELB is after this study has analyzed an achievable possibility for a suggested yield of ELB. It analyzes estimated yields from January in 2010 to June in 2016 for ELB Structures issued during 2015~2016. It carries correlation analysis and regression analysis between ELB yield and minimum guarantee yield, maximum stock price growth limit, participation rate. As the study result, a probability of achievement over 2% yield was below 20% as stock price growth had been inside maximum limit. An estimated average yield of ELB was 1.49% and it was lowed than 1.72% of Bank Deposit in 2015. So a realized yield was not satisfied the expected yield. As the correlation coefficient between ELB yield and minimum guarantee yield was 0.843, the correlation coefficient between ELB yield and maximum limit yield was 0.279, the correlation of minimum guarantee yield was high. The suggestion is that the a realized yield of ELB is lower than Bank Deposit interest and that the probability of stock growth inside maximum limit is low.

• Asia-Pacific Journal of Business Venturing and Entrepreneurship
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• v.13 no.3
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• pp.125-140
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• 2018

According to statistics, it is shown that domestic SMEs rely on bank loans for the majority of fund procurement. From financial information shortage (Thin file) that does not provide information necessary for credit evaluation from banks such as financial statements. In order to overcome these problems, recently, in alternative finance such as P2P, using differentiated information such as demographics, trading information and the like utilizing Fintech instead of existing financial information, small funds A new credit evaluation method has been expanding to provide SMEs with small amounts of money. In this paradigm of environmental change, in this research, credit evaluation which can expand fund supply to SMEs by utilizing big data based on trade area information such as sales fluctuation, location conditions etc. In this research, we try to find such a solution. By analyzing empirically the big data generated in the trade area, we verify the effectiveness as a credit evaluation factor and try to derive the main parameters necessary for the business performance evaluation of the founder of SMEs. In this research, for 17,116 material businesses in Seoul City that operate the service industry from 2009 to February 2018, we collect trade area information generated for each business location from Big Data specialized company NICE Zini Data Co., Ltd.. We collected and analyzed the data on the locations and commercial areas of the facilities that were difficult to obtain from SMEs and analyzed the data that affected the Corporate financial Distress. It is possible to refer to the variable of the existing unused big data and to confirm the possibility of utilizing it for efficient financial support for SMEs, This is to ensure that commercial lenders, even in general commercial banks, are made to be more prominent in one sector of the financing of SMEs. In this research, it is not the traditional financial information about raising fund of SMEs who have basically the problem of information asymmetry, but a trade area analysis variable is derived, and this variable is evaluated by credit evaluation There is differentiation of research in that it verified through analysis of big data from Trading-area whether or not there is an effect on.

• Economic Analysis
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• v.25 no.1
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• pp.66-122
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• 2019

As the Korean economy grew, employment expanded steadily, with the number of economically active people increasing and the employment-to-population rate also increasing. However, the working age population started to decline in 2017, and the employment of women and young people has been sluggish. The proportion of non-salaried workers in Korea is much higher than in other OECD countries, and is also excessive, considering Korea's income levels. In addition, the proportion of non-regular workers and the proportion of workers employed at small companies are particularly high among salaried workers. In light of these characteristics of Korean employment, the urgent problems facing the employment structure can be summarized by the deepening dual structure of the labor market, the increase in youth unemployment, sluggish female employment figures, and an excessive share of self-employment. Overall, it is seen that labor market duality is the main structural factor of the employment problems in Korea. Therefore, in order to fundamentally address this employment problem, it is necessary to concentrate policy efforts on alleviating labor market duality.

• Journal of Digital Convergence
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• v.10 no.8
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• pp.193-200
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• 2012

As IT is also recognized as assets, IT assets management system is trying to introduce for the management and operation in domestic enterprises and public institutions. The general assets management system was introduced in domestic companies, but because it managed mainly the only simple information about the assets, there were a lot of operational difficulties of the assets. In order to operate effectively the IT assets used in special business such as bank, prosecutors, railway, etc the classification system of IT assets based on the EA was needed first of all. Accordingly, in this paper, we classified IT assets systematically according to the EA meta model Application Guide V1.4 in consideration of the characteristics about the IT asset business for A public institution, and performed to improve the operating costs and efficiency by implementing a web-based IT assets management system for this public institution.

• Proceedings of the Korea Contents Association Conference
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• 2005.11a
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• pp.433-437
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• 2005

Most research organizations, universities and enterprises manage the transaction informations (customer informations, account informations, transaction results and so on), which is a fundamental item in the part of buying and research capital expenditure for the execution of R&D project or relative works. But because they don't only manage transaction information systematically but also don't put to practical use as sharing knowledge, many researchers duplicate their operations and it is shown a drop in efficiency. Also there are many problems because useful informations are unapproachable in the side of research management. In this paper, we propose the database design, application plan and service method for joint utilize of transaction information. And we prove the proposed method by service which is operated within intranet system. The transaction information shared by the proposed method will be useful knowledge and a major factor of efficiency improvement in research management field.