• The Journal of the Convergence on Culture Technology
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• v.7 no.4
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• pp.1-7
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• 2021

The purpose of this study was to analyze the effect of household loan share on bank management soundness. The results of the empirical analysis are summarized as follows. First, as a result of estimating coefficient of the mortgage loan ratio shows a significant negative relationship with the BIS equity capital ratio of banks. In addition, it was found that the mortgage loan ratio had a significant positive (+) effect on Eunhae's BIS and equity capital ratio after the financial crisis. Second, as a result of the estimation coefficient of the mortgage ratio showed a significant positive (+) relationship with the NPL of the bank and below. In addition, it is estimated that the bank's secured loan ratio changed significantly before and after the financial crisis in the effect of banks' NPL and substandard-and-below loans. It is expected to make implication to financial policy and banking regulation and supervision. We believe that more efforts should be made to increase the soundness of household loans in preparation for risk factors that may arise from exogenous factors such as changes in the international financial environment and falling property prices.

• Journal of Service Research and Studies
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• v.12 no.3
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• pp.115-133
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• 2022

This study was conducted to design a new human model and education system for the sustainable life of mankind. Human society is facing a crisis. This study presents a comprehensive plan as the final version of the servicism study. Since the problems of human society are all human problems, research was conducted focusing on the new human and education system. Modern society is markedly different from the existing society in terms of time, space, and humanity, and the leading role of individuals is increased due to the increase in literacy, which can lead to breakdown and ground breaking in an instant. As the value of growth and freedom is increasing, technological innovation is accelerating, and industries and enterprises are growing significantly, so new technologies and industries may put human society at great risk. This study comprehensively diagnosed these problems in the current human society. The problems related to human and education were presented in depth while analyzing and synthesizing the problems presented in the existing servicism studies. The necessary and sufficient conditions for a new system to solve the problems raised were derived. And a system that satisfies these conditions was derived and presented. The new system was named servicism human and education system as a system based on the service philosophy. The structure, operation model, and implementation plan of the new system were presented. The basic structure is a human view that recognizes both reason and irrationality, an education system in which intelligence education and virtue education are balanced, and an education system in which human effort and the values of unwieldy nature are respected. A new education system needs to be put into operation along with the improvement of modern ideology and the compensation system for efforts. Since this study presented a macroscopic direction, further studies are needed to further refine this study.

• Knowledge Management Research
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• v.24 no.1
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• pp.73-97
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• 2023

Recently, the MyData market has been growing as the importance of data and issues related to personal information protection have drawn much attention together. MyData refers to the concept of guaranteeing an individual's right to personal information and providing and utilizing one's data according to individual consent. MyData service providers can combine and analyze customer information to provide personalized services. In the early days, the MyData business was activated mainly by private companies and the financial industry, but recently, public institutions are also actively taking advantage of MyData. Meanwhile, the importance of an individual's intention to provide MyData for the success of MyData businesses continues to increase, but research related to this is lacking. Moreover, existing studies have been mainly conducted on individual benefits of MyData; there are not enough studies in which both public benefit and perceived risk factors are considered at the same time. In this regard, this study intends to derive factors affecting the intention to provide MyData based on the privacy calculus model, examine their influencing mechanism, and further verify the moderating effects of individual capabilities and institutional type. This study can find academic significance in that it expanded and demonstrated the privacy calculus model in the context of MyData providing intention. In addition, the results of this study are expected to offer practical guidelines for developing and managing new services in MyData businesses.

• Journal of Convergence for Information Technology
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• v.12 no.3
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• pp.171-177
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• 2022

The retirement of the Korean baby boomer generation has become a major factor in an aging society as a large proportion of the population has moved from the middle-aged to the elderly. In addition, after being busy working at a structured workplace for over 30 years, after retirement, they could not adapt to the unstructured environment, causing depression and leading to social problems such as the risk of suicide. research was needed. This study uses photovoice to in-depth research on the research question of how retirees' perception of death preparation, who wants to live a life prepared until death, is used. This is the purpose of this study. The study participants were 7 baby boomer retirees, the data were collected for 2 months, and the perception derived as a result of analyzing the photos, explanations, and in-depth interviews taken by the subject analysis method was used to prepare It was a necessity for education. In the discussion of this study, it is urgent to develop a death preparation education program that can help the baby boomer retirees, and I would like to suggest that the cooperation of local organizations in charge of the program is necessary. This study is meaningful in that it presents basic data in preparing social welfare policy measures for the elderly after retirement through the awareness of death preparations of baby boomer retirees.

• Korea Trade Review
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• v.43 no.1
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• pp.199-221
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• 2018

The internationalization of venture firms is of importance resulting from the increased opportunities as well as the entry barriers faced in this process. This study is to investigate barrier factors affecting Korean venture firms' internationalization. Among these factors, we measured relative weights using Analytic Hierarchy Process (AHP). Literatures regarding global firm's internationalization was reviewed, and barriers were classified environment, corporate and CEO barriers. Multiple variables were used in order to measure their relative significance. We surveyed executives of venture firms comprising two groups: first, 15 global venture firms, and secondly, gradually internationalizing firms. The two groups show contradictory results as environment barriers are the primary for born-global ventures and corporate barriers are the primary for gradually internationalizing ventures. Concerning corporate barriers, the lack of marketing capability is the highest barrier for both groups. The CEO barrier is the lowest for both groups. Regarding corporate barriers, gradually internationalizing ventures considers the risk of business as highest, whereas born-global ventures features the lack of R&D capacity as highest Results of this paper imply that firms should consider priority and sequential approaches in facing environment, corporate and CEO barriers.

• The Journal of Bigdata
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• v.7 no.2
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• pp.1-9
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• 2022

In the global era, the importance of imported food safety management is increasing. Address information of overseas food companies is key information for imported food safety management, and must be verified for prompt response and follow-up management in the event of a food risk. However, because each country's address system is different, one verification system cannot verify the addresses of all countries. Also, the purpose of address verification may be different depending on the field used. In this paper, we deal with the problem of classifying a given overseas food business address into the administrative district level of the country. This is because, in the event of harm to imported food, it is necessary to find the administrative district level from the address of the relevant company, and based on this trace the food distribution route or take measures to ban imports. However, in some countries the administrative district level name is omitted from the address, and the same place name is used repeatedly in several administrative district levels, so it is not easy to accurately classify the administrative district level from the address. In this study we propose a deep learning-based administrative district level classification model suitable for this case, and verify the actual address data of overseas food companies. Specifically, a method of training using a label powerset in a multi-label classification model is used. To verify the proposed method, the accuracy was verified for the addresses of overseas manufacturing companies in Ecuador and Vietnam registered with the Ministry of Food and Drug Safety, and the accuracy was improved by 28.1% and 13%, respectively, compared to the existing classification model.

• KSCE Journal of Civil and Environmental Engineering Research
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• v.30 no.3D
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• pp.295-302
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• 2010

Since the late 1990s, the BOT mode in China has been extensively used in the water sector in order to attract private investment, improve technical and operational efficiency, and expand the coverage of water services. The BOT mode has been hailed as this provides a win-win structure between the government and private players through formalized procedures and an optimal risk allocation. However, recent market analyses show that some foreign investors are reluctant to participate in the market or even retreat due to uncertainties and risks in the market. This study aims to explore various risks in the Chinese water BOT market based on the thorough literature review, fieldwork, and the case studies on the two wholly foreign-owned BOT water projects: the Chengdu No. 6 and the Shanghai Dachang Water Supply BOT projects. The research results indicate that the Chinese BOT market embraces high risks in political, institutional and legal, and financial systems. The key to a successful takeoff of the BOT mode in the Chinese water market depends on the extent to which the government will be able to remove risky factors in political, institutional and legal, and financing systems. This research outcome will provide a useful reference to the Korean construction companies which consider expanding business to overseas water markets in the form of public private partnership.

• Convergence Security Journal
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• v.23 no.2
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• pp.27-36
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• 2023

In recent years, ransomware attacks have become more organized and specialized, with the sophistication of attacks targeting specific individuals or organizations using tactics such as social engineering, spear phishing, and even machine learning, some operating as business models. In order to effectively respond to this, various researches and solutions are being developed and operated to detect and prevent attacks before they cause serious damage. In particular, honeypots can be used to minimize the risk of attack on IT systems and networks, as well as act as an early warning and advanced security monitoring tool, but in cases where ransomware does not have priority access to the decoy file, or bypasses it completely. has a disadvantage that effective ransomware response is limited. In this paper, this honeypot is optimized for the user environment to create a reliable real-time dynamic honeypot file, minimizing the possibility of an attacker bypassing the honeypot, and increasing the detection rate by preventing the attacker from recognizing that it is a honeypot file. To this end, four models, including a basic data collection model for dynamic honeypot generation, were designed (basic data collection model / user-defined model / sample statistical model / experience accumulation model), and their validity was verified.

• 한국노년학
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• v.39 no.2
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• pp.325-345
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• 2019

The purpose of this study is a exploratory study for understanding the process of the social isolation of the socially isolated elderly through the approach to their life history. The research was analyzed by one of the methods of qualitative research on life history, the conceptual framework of 'Dimensions, turning, and adaptation' of Mandelbaum(1973). According to the results of this study, the socially isolated elderly people were found to be socially isolated by experiencing complex difficulties such as family disconnection, poverty, poor job and health deterioration. Specifically, in the area of life, there was experience of poor relationship with parent, absence of family, poverty of family and unfavorable relationship with surrounding people in life with original family before isolation. They had bad jobs in the labor market, such as hard labor, delivery, business, and chores. In the area of turning point, we experienced family break due to the separation of the original family and the spouse due to various reasons such as financial crisis, parental divorce and death, spouse affair, economic difficulty. In a transitional stage in the life, many reasons such as the financial crisis, the death of parents, the extramarital affair and economic difficulties led to the disconnection from their original family and their spouses. In an adaptive phase, participants accepted the changed life at each turning point in their lives, carrying out their roles, compromising and trying to adapt properly. He said that their current life, which has entered the social safety net system of the people's basic recipients, has led him to live a more stable life and is adapting to personal hobbies and vicarious satisfaction through networks. This result is somewhat different from previous studies in which isolated elderly people were severely exposed to the risk of depression and loneliness. However, we should also consider the characteristics of this study that interviewed elderly people with relatively low isolation. Based on the results of this research, he presented various practical policy implications.

• Information Systems Review
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• v.25 no.4
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• pp.161-181
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• 2023

As the post-COVID-19 consumer life environment is rapidly becoming non-face-to-face, changing non-face-to-face financial life services are having a significant impact on consumers' daily lives. People who do not have access to digital devices and services that have become essential goods are at risk of being left behind in the "digital blind spot," where they are marginalized not only in their daily lives but also in society and the economy as a whole (Kim Min-Jeung A, Kim Min-Jung B, Park Joo-Yung, 2022). In this study, we examined the effects of perceived control factors, Cognitive control, behavioral control, and decisional control, on intention to use digital finance. For this study, we surveyed 133 customers who are aware of and intend to use digital finance. The results show that cognitive control, behavioral control, and decisional control have significant effects on intention to use digital finance. In this relationship, the moderating effect of privacy concerns differs from the effect of decision control on intention to use digital finance. These findings suggest that digital financial services firms should consider whether to reduce or increase customer control. Based on these findings, we discuss marketing strategies and implications for digital financial services companies.