• 제목/요약/키워드: Commitment Fee

검색결과 6건 처리시간 0.016초

대출 약정수수료에 관한 실증연구: 일본 차입자를 중심으로 (An Empirical Study of Loan Commitment Fees: Evidence from Japanese Borrowers)

  • 이상휘;이사영
    • 국제지역연구
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    • 제13권3호
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    • pp.29-49
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    • 2009
  • 본 연구의 목적으로는 정보투명성, 간사은행의 국적여부, 신용등급 등이 약정수수료와 어떤 연관성이 있는가를 일본에서 발생한 331개의 신디케이트론 샘플을 이용하여 분석하였다. 신디케이트론이란 다수의 은행이 차관단을 형성하여 공통의 조건으로 일정금액을 차입자에게 공동융자하는 것을 말하며, 일본신디케이트론 시장은 2008년 기준 $2830억 으로 전년대비 36%의 성장률을 보여주고 있다. 본 연구의 주요 결과로 첫째, 일본 차입자에 대한 정보투명도가 떨어질수록 은행은 높은 약정수수료를 부과하였다. 둘째, 차관단에서의 주간사은행이 일본은행일 경우 보다 높은 약정수수료를 요구함을 알 수 있었다. 셋째, 일본 차입자의 신용등급이 낮을수록 차입자의 부채비용은 증가하고 있다. 마지막으로 은행들은 스프레드뿐만 아니라 비이자수익인 약정수수료를 통해서도 수익률을 증대시킴을 알 수 있다. 약정수수료에 가장 연관성이 높은 스프레드를 통제변수로 사용하여 위의 결과들을 도출하였으며 일본기업을 이용한 실증연구를 하였다는 점에서 본 연구의 의의가 있다고 할 수 있다.

간호사가 지각하는 간호조직문화유형이 직무만족, 조직몰입에 미치는 영향 (Effects of the Organizational Culture on the Job Satisfaction and Organization Commitment)

  • 이은주;김미예;한지영
    • 간호행정학회지
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    • 제14권1호
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    • pp.5-12
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    • 2008
  • Purpose: This study aimed to examine the impact of Organizational Culture on job satisfaction and organizational commitment in nursing organization. Methods: The sample consisted of 264 nurses of 2 tertiary medical institutions. The instruments used in this study were the nursing organizational culture questionnaire (Han, 2001), job satisfaction scale (Paula, 1978), and Organizational Commitment scale (Mowday et al., 1979). The data were analyzed by descriptive statistics, one-way ANOVA, t-test, Pearson Correlation. Coefficient, and multiple regression using the SPSS Win 14.0 program. Results: The dominant organizational culture of nursing organization was rank-oriented culture. The mean score of job satisfaction and organizational commitment was 3.28 and 3.40 respectively. Organizational commitment and Job satisfaction were positively correlated with affiliative-oriented culture, innovative-oriented culture, and task-oriented culture. Affiliative-oriented and task-oriented culture were major variables influencing on job satisfaction and affiliative-oriented culture was a major variable influencing organizational commitment. Conclusion: Organizational culture, especially affiliative-oriented culture had a significant influence on nurses' job satisfaction and organizational commitment. Therefore, we have to develop strategies to enhancing the affiliative-oriented culture to improve the job satisfaction and organizational commitment of nurses.

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간호사의 팔로워십에 따른 직무만족, 조직몰입 및 간호업무수행 (Effects of the Followership on Organizational Commitment, Job Satisfaction, Nursing Task Performance)

  • 한지영;김미예;이은주
    • 간호행정학회지
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    • 제13권4호
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    • pp.501-508
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    • 2007
  • Purpose: This study was designed to find out the fact that the followership types of nurses would effect on job satisfaction, organizational commitment and nursing task performance. Methods: The sample consisted of 219 nurses working in 2 medical institutions. SPSS program was used for descriptive statistics, ANOVA, chi-square test, Duncan test, Pearson Correlation, and Multiple Regression. Results: In the followership type, effective follower was the largest as 47.0% and passive follower was 26.9%. Nurses who had a effective followership style had the highest level of organizational commitment, job satisfaction and those who had a passive followership style had the lowest level of organizational commitment, job satisfaction, and nursing performance. The followership was significantly related to the organizational commitment, job satisfaction and nursing task performance. The active involvement had a positive effect on the organizational commitment, job satisfaction and nursing task performance. The critical thinking had a positive effect on the job satisfaction. Conclusion: These results demonstrate that the most effective followership is effective follower. And organizational managers must take into account followership types when they develop the strategies for organizational effectiveness.

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사업성과평가 도입이 조직문화의 변화와 조직몰입에 미치는 영향 - 일개 공공병원에 대한 종단적 분석결과를 중심으로 - (Changes in Organizational Culture and Employee Commitment Resulting from the Introduction of 'Business Performance Evaluation Program' in a Public Hospital)

  • 김한성;김영훈;문형구;노경택
    • 한국병원경영학회지
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    • 제15권2호
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    • pp.61-83
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    • 2010
  • The purpose of this study is to analyze the effects of the introduction of 'business performance evaluation program' on the changes in organizational culture and employee commitment. The data for this study were collected three times, in 2006, 2008, and 2009 from the employees at a public hospital in Korea. The main findings of this study are as follows. 1. Organizational culture has gradually changed as the 'business performance evaluation program' was introduced and implemented. Regarding the changes in the different type of culture, we can see that group culture, developmental culture and rational culture has been stronger and, on the other hand, the introduction of 'the program' did not have as much impact on the hierarchical culture as on the other types of culture. 2. The group culture has have more impact on the organizational commitment than other types of culture. In case of the hierarchical culture, however, statistically significant relationships could not be found between the organizational commitment and the introduction of business performance evaluation program.

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환경요인을 매개로 라이프 스타일에 따른 조직몰입이 진료비 삭감률에 미치는 영향 (The Impacts of Organizational Commitment on Medical Service Fee Reduction Rate by Lifestyle with Environmental Factors as Medium)

  • 양유정;정연자
    • 한국엔터테인먼트산업학회논문지
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    • 제14권7호
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    • pp.609-621
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    • 2020
  • 본 연구는 의료기관의 환경요인을 매개로 의료기관 종사자들의 라이프 스타일에 따른 조직몰입이 진료비 삭감률에 미치는 영향이 무엇인지 알아보기 위한 연구로 전라도에 있는 의료기관 종사자 300명을 대상으로 설문조사하였다. 본 연구의 결과는 다음과 같다. 첫째, 인구사회학적 특성에 따른 조직 몰입도는 연령, 학력, 성별, 결혼, 직종, 소득과 근무 연수에서 유의한 차이를 보였다. 둘째, 인구사회학적 특성에 따른 환경요인은 결혼, 근무 연수, 병원유형에서 유의한 차이를 보였다. 셋째, 입원삭감률은 직종, 근무 연수 병원유형에서, 외래삭감률은 연령, 결혼, 직종, 근무 연수, 병원유형에서 유의한 차이를 보였다 넷째, 조직몰입, 환경요인, 삭감률의 상관관계를 알아 본 결과 입원 삭감률과 외래 삭감률은 정적 상관이 유의하게 있는 것으로 나타났다. 다섯째, 조직몰입과 환경요인을 동시에 투입하여 입원삭감률에 미치는 영향을 살펴본 결과 조직몰입과 입원삭감률에서 환경요인이 부분매개, 외래삭감률은 조직몰입과 외래삭감률에서 환경요인이 완전매개 하는 것으로 나타났다. 본 연구로 의료기관의 효율적인 운영방안과 효과적인 인력관리를 위한 기초자료를 제공하고자 한다

초고속인터넷 서비스 사업자 전환의도 (The Intention to switch Broadband Internet Service Providers)

  • 제미경;전향란
    • 한국생활과학회지
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    • 제19권5호
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    • pp.845-855
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    • 2010
  • This study examined the variables that affect whether consumers change broadband internet services by examining their past experiences and intention to switch carriers by targeting consumers who have switched broadband internet service providers. Among adult consumers who intended to switch broadband providers, 341 people who had experience were subject to logistic regression analysis using SPSS for Windows ver. 17.0 to examine frequencies, means, percentages, and factor analysis. The following results were revealed. First, the targets were currently using broadband internet service in the order Company S > Company L > Company K > others. Excluding the others, Company K had the most conversions (from 96 to 78), followed by Company S (from 107 to 97), and Company L (from 43 to 97), which more than doubled the number of subscribers. The reasons for switching carriers in the past were as follows: for Company K, consumers switched to other companies because of unsatisfactory fee services; for Company S, consumers switched to other companies because of quality, advertising and promotional activities, and commitment periods ending; for Company L, the consumers switched to other companies because of fee, quality, and service; and for other companies, the consumers switched to other services because of unsatisfactory quality. Second, the analysis of the elements that determined whether a consumer will switch broadband internet service providers showed that college graduates and individuals who had switched carriers voluntarily in the past were more likely to switch to a new broadband internet service provider. Furthermore, passive consumers had a higher probability of switching. Moreover, when consumers were less satisfied with the fees and services, there was a greater chance of switching to another company.