• 제목/요약/키워드: Credit Guarantee

검색결과 103건 처리시간 0.027초

Three-dimensional numerical simulation for the prediction of product shape in sheet casting process

  • Chae, Kyung-Sun;Lee, Mi-Hye;Lee, Seong-Jae;Lee, Seung-Jong
    • Korea-Australia Rheology Journal
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    • 제12권2호
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    • pp.107-117
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    • 2000
  • Prediction of the product shape in sheet casting process is performed from the numerical simulation. A three-dimensional finite element method is used to investigate the flow behavior and to examine the effects of processing conditions on the sheet produced. Effects of inertia, gravity, surface tension and non-Newtonian viscosity on the thickness profile of the sheet are considered since the edge bead and the flow patterns in the chill roll region have great influence on the quality of the products. In the numerical simulation with free surface flows, the spine method is adopted to update the free surface, and the force-free boundary condition is imposed along the take-up plane to avoid severe singularity problems existing at the take-up plane. From the numerical results of steady isothermal flows of a generalized Newtonian fluid, it is shown that the draw ratio plays a major role in predicting the shape of the final sheet produced and the surface tension has considerable effect on the bead thickness ratio and the bead width fraction, while shear-thinning and/or tension-thickening viscosity affect the degree of neck-in.

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내부마케팅이 직무만족, 애호도, 기업성과에 미치는 영향 : 로지스틱회귀분석 방법을 이용 (Internal Marketing Approach to Internal Satisfaction, Loyalty and Organization Performance : Using Logistics Regression)

  • 손희영;강만수;박상규
    • 한국경영과학회지
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    • 제39권3호
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    • pp.117-131
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    • 2014
  • As interests in the management of government-owned corporation rise, in these days, debt reduction and normalization of management of those companies have been proceeding under the lead of government. At this point, it is very important to seek internal marketing method for improvement of internal employees' satisfaction, loyalty and organization performance. This study analyzes impact of factors of internal marketing effect on organization satisfaction, loyalty and organization performance in the context of the domestic public companies, the Korea Electric Power Corporation (KEPCO) and the Korea Water Resources Corporation (K-WATER)'s employees empirically. There are some significant differences between the two publics. It is proved that delegation of the authority influences on internal satisfaction and organization performance in the case of KEPCO, and education and training influence on internal satisfaction and organization performance in the case of K-WATER. On the other hand, in the case of K-WATER, any internal marketing factors don't influence on loyalty. The results of this study show somewhat different characteristics depending on the characteristics of firm, however, it is expected that this study can be very useful in regards to similar public enterprises or businesses.

기술평가 자료를 이용한 중소기업의 생존율 추정 및 생존요인 분석 (A Study on the Survival Probability and Survival Factors of Small and Medium-sized Enterprises Using Technology Rating Data)

  • 이영찬
    • 지식경영연구
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    • 제11권2호
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    • pp.95-109
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    • 2010
  • The objectives of this study are to identify the survival function (hazard function) of small and medium enterprises by using technology rating data for the companies guaranteed by Korea Technology Finance Corporation (KOTEC), and to figure out the factors that affects their survival. To serve the purposes, this study uses Kaplan-Meier Analysis as a non-parametric method and Cox proportional hazards model as a semi-parametric one. The 17,396 guaranteed companies that assessed from July 1st in 2005 to December 31st in 2009 are selected as samples (16,504 censored data and 829 accident data). The survival time is computed with random censoring (Type III) from July in 2005 as a starting point. The results of the analysis show that Kaplan-Meier Analysis and Cox proportional hazards model are able to readily estimate survival and hazard function and to perform comparative study among group variables such as industry and technology rating level. In particular, Cox proportional hazards model is recognized that it is useful to understand which technology rating items are meaningful to company's survival and how much they affect it. It is considered that these results will provide valuable knowledge for practitioners to find and manage the significant items for survival of the guaranteed companies through future technology rating.

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한국농업전문학교 졸업생 창업농자금 지원상의 문제점 및 대책 (The Issues and Counter-measures of the Loan for the KNAC Graduates' initial stage of Farm Business)

  • 안덕현
    • 현장농수산연구지
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    • 제9권1호
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    • pp.3-12
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    • 2007
  • It is our imminent project that we should train young and able manpower to strengthen the international competitiveness under the free trade of agricultural products, to solve the problem of decrease in farm population and of aging people in agriculture. The objective of this research is to suggest an alternative policy plan through the survey and analysis on the controversial issues in loans for starting agricultural business based on the survey of graduates of Korea National Agricultural College from 2002 to 2005. According to the survey, in case of graduates who are not available sufficient fanning capital such as land and agricultural facilities on it, they are not able to get loans from banks in that situation. The survey, as a result, points out that those who are legally required to do farming should be given several special aids by the government such as the improvement of Credit Guarantee Fund System for Farmers and Fishermen and the farming loans conditions for initial farm business, a long term lease of public land, giving a priority in lease-farmland project of farmland bank and allowing loan for working capital for farm management.

고등학교 가정과의 역량 기반 평가 프레임워크 개발 (Development of a Competency-Based Assessment Framework for High School Home Economics)

  • 최영선;박미정
    • Human Ecology Research
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    • 제62권2호
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    • pp.197-216
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    • 2024
  • The dual aims of this study were i) to explore the effectiveness of an assessment method that can measure the competencies learned through high school home economics and ii) develop a competency-based assessment framework for high school home economics, including components of competency-based assessment, item development system, and other elements. The study involved the following stages: literature analysis, draft development, concretization, validity verification, and final version. Based on the results of the literature analysis and expert deliberation, a competency-based assessment framework for high school home economics was developed which comprised three dimensions: 'core idea' × 'process' × 'context and value'. Based on this, an item analysis table was presented to systematize various activities for the competency-based assessment of high school home economics, following which a holistic rubric suitable for competency assessment tasks was proposed by referring to the newly developed 'process' dimension assessment criteria. This study is significant in that it is the first to propose a competency-based assessment framework that systematically presents a variety of assessment activities. These will facilitate the development of assessment standards and tools that teachers can refer to or trust in the changing school environment due to the introduction of the standard-based assessment system based on a high school credit system, and the guarantee of a minimum achievement level.

항공화물운송상(航空貨物運送狀)의 성질(性質)과 유통성(流通性) (The Character and Negotiability of Air Waybill)

  • 이강빈
    • 항공우주정책ㆍ법학회지
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    • 제4권
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    • pp.65-85
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    • 1992
  • The air waybill is supposed to be made out by the consignor. If the carrier makes it out, he is deemed, subject to proof to the contrary, to have done so on behalf of the consignor. The air waybill shall be made out in three original parts. The first part shall be marked "for the carrier", and shall be signed by the consignor. The second part shall be marked "for the consignee", it shall be signed by the consignor and by the carrier and shall accompany the goods. The third part shall be signed by the carrier and handed by him to the consignor, after the goods have been accepted. According to the original Warsow Convention article 8, the air waybill must contain 17 particulars or items. However, the Hague Protocol reduced to three the number of particulars required to appear on the air waybill. Only one item is obligatory, namely, the notice that the carriage is subject to the rules of the Warsaw Convention. The absence of the air waybill entails unlimited liability of the carrier because it deprives him of the right to avail himself of the provisions of the Warsaw Convention which exclude or limit his liability. The consignor shall be liable for all damages suffered by the carrier or any other person by reason of the irregularity, incorrectness or incompleteness of the particulars and statements in the air waybill. Although the contract of the carriage of goods by air is not a formal contract, the document of carriage is issued. The issue of air wayhill is not essential for the existence or validity of the contract, but serves merely as a means of proof. The Hague Protocol has lessened the consequences of the carrier's neglect to faithfully accomplish the required formalities. Henceforth, these formalities no longer constitute legal obligations. The air waybill is the consignment note used for the carriage of goods by air. It is often called an air consignment note and is not a document of title or transferable/negotiable instrument. It is basically a receipt for the goods for despatch and is prima facie evidence of the conditions of carriage. Each of the original parts of the air waybill has evidential value and possession of his part is a condition for the exercise by the consignor or cosignee of his rights under the contract of carriage. Oveall, it is an usage that under a documentary letter of credit, the consignee on the air waybill is the opening bank of the letter of credit, and the notify party is the importer who applied for the letter of credit. In Korea there is an usage as to process of cargo delivery in air transportation as follows: The carrier carries the cargo into the bonded area of the airport and gives both the notice of arrival of the cargo and the consignee's air waybill to the notify party who is the importer. Then the notify party obtains the Letter of Guarantee from the opening bank in exchange for reimbursing the amount of the letter of credit or tendering the security therefor to the opening bank. The notify party then presents this document to the customs authorities for the process of customs clearance. The opening bank becomes a consignee only to ensure repayment of the funds it has expended, and the only interest of the opening bank as consignee is the reimbursement of the money paid to the exporter under the documentary letter of credit. Just as the bill of lading in maritime law, the air waybill has always been considered negotiable although the Warsaw Convention does not emphasize this aspect of negotiability. However, the Hague Protocol article 4 corrected the situation by stating that "nothing in this Convention prevents the issue of a negotiable air waybill." This provision officially recognizes that the air waybill must meet the needs of the present day business circles by being a negotiable instrument. Meanwhile, Montreal Additional Protocol no. 4 has brought important changes. Registration by computer is acceptable and the parties to the contract of carriage are allowed to replace the air waybill with a receipt for the goods. In conclusion, as the Warsaw Convention has not details of provisions relating to the issuing of the negotiable air waybill, it is hoped that there should be supplement to the Warsaw Convention and establishment of international commercial usage with regard to the negotiable air waybill.

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청년창업기업(20~30대)의 생존특성에 관한 실증연구 (An Empirical Study on Survival Characteristics of Young Start-up Entrepreneurs(20~30s))

  • 남기정;이동명
    • 벤처창업연구
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    • 제13권5호
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    • pp.63-72
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    • 2018
  • 본 연구의 목적은 청년창업보증을 지원 받은 청년창업기업의 비재무정보를 활용하여 비모수적 방법인 카플란마이어 분석(Kaplanr-Meier Analysis)으로 생존율 및 생존특성에 대해 분석하였다. 창업자의 연령을 20대와 30대로 구분하여 생존특성별 평균생존시간을 추정하고 생존시간에 영향을 미치는 주요 변수를 분석하였다. 연구대상은 2014년 신용보증기관에서 청년창업보증을 지원 받은 기업 3825개가 표본으로 선정되었으며, 이중 정상기업는 3242개, 부실기업는 583개이다. 연구대상기간은 2011년 1월 1일부터 2017년 12월 31일까지로 정하여 생존분석을 실시하였다. 분석결과 창업자의 연령별 구분 결과 20대는 3개의 변수가 30대는 5개의 변수가 유의한 변수로 도출되어 20대와 30대의 창업자 연령에 따른 차이가 발생하고 있다. 창업지원기관과 금융기관은 창업자 연령을 구분한 신용평가시스템의 개발이 필요하며, 20대 창업자의 특성을 반영할 수 있는 정보를 찾아내고, 20대 창업자를 위한 전용 금융상품의 개발이 필요하다. 또한 생존시간이 긴 창업기업에 대해서는 유망중소기업으로 성장할 수 있도록 단계별 지원방안이 필요하며, 생존시간이 짧은 기업에 대해서는 금융지원과 경영컨설팅 등 비금융지원의 활성화가 필요하다. 본 연구는 청년창업기업의 비재무정보를 이용하여 생존분석을 수행하였다는 점에서 의의가 있으며, 이와 같은 생존분석결과는 창업지원기관과 창업자에게 창업기업의 생존특성 정보를 제공하여 창업기업의 생존율을 높이는데 기여할 것이다.

국민연금제도 발전 방안에 대한 연구: 양성 평등적 관점에서의 비판적 분석 (Study on the Development of the National Pension System in Korea : With the Gender-equality-perspective)

  • 정재훈
    • 한국사회복지학
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    • 제57권3호
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    • pp.31-50
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    • 2005
  • 양성 평등을 보는 관점은 다양하다. 따라서 어떤 사회복지정책이 양성 평등에 기여하느냐 하지 않느냐를 판단할 때에는 그 사회복지정책을 통해 어떤 양성 평등을 추구할 수 있느냐에 대한 분석을 전제로 하게 된다. 그럼에도 불구하고 대체로 사회복지정책이 성차별 문제를 어떻게 야기하고 있는가에 대한 논의가 주류를 이루고 있을 뿐, 그 사회복지정책이 어떤 관점에서 봤을 때 어떤 성차별 문제와 관계를 갖는지에 대한 논의는 부족한 실정이다. 본 연구에서는 사회복지정책의 한 분야로서 국민연금제도를 젠더 중립적 관점(the gender neutral approach), 젠더 인정 관점(the gender recognition approach), 젠더 재구성 관점(the gender reconstruction approach), 젠더 강화 관점(the gender reinforcement approach)을 통해 분석해 보았다. 그 결과 국민연금제도는 현재 젠더 중립적 관점에 토대를 두고 변화하고 있음을 알 수 있었다. 그리고 국민연금제도가 갖는 이러한 경향성을 고려한 정책 비판을 후속 연구 과제로 남기게 되었다. 더 나아가 최근 국민연금제도를 통해 여성 수급권의 규모와 질을 확대하기 위해 제시되고 있는 연금 크레딧, 재혼 시 분할 수급권 및 유족연금 자격 유지, 기초 연금제가 실현될 경우 국민연금제도는 젠더 인정 관점을 가진 사회복지정책의 한 분야로서 성격 변화를 해 나갈 것으로 전망해 보았다.

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벤처기업의 성장 촉진을 위한 벤처부채의 가능성과 도입방안 (The Possibility and the Way to Introduce of Venture Debt to Encourage Growth of Ventures)

  • 홍종수;나수미;박재성
    • 벤처창업연구
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    • 제15권4호
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    • pp.17-25
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    • 2020
  • 벤처부채는 벤처의 스케일업 촉진을 위한 대표적인 자금공급 수단이다. 성장 단계에서 대규모 자금 공급이 필요한 벤처기업은 지분 희석 없이 벤처부채를 지렛대로 성장을 가속화할 수 있고, 벤처캐피탈은 투자 기업의 성장이 가속화됨으로써 신속히 투자자금을 회수할 수 있다. 은행은 벤처부채의 공급을 통해 대출에 편중된 자산운용을 다양화할 수 있고 자산수익률도 제고할 수 있다. 해외 실리콘밸리은행의 사례와 같이 벤처부채 공급을 위해서는 부채자본 공급자인 은행과 지분자본을 공급하는 벤처캐피탈의 긴밀한 협력이 전제되어야 한다. 이를 위한 시장 조성 방안으로 "신용위험 분담형 벤처대출"과 "벤처대출 풀링"을 제안한다. 전자는 모태펀드와 정책보증과 같은 정책금융기관이 벤처대출에 내재한 위험을 선별하거나 우선 인수함으로써 은행의 벤처투자 시장 참여를 촉진하며, 후자는 은행과 창업벤처전문 사모펀드가 공동으로 벤처대출을 증권화함으로써 은행의 개별적인 벤처대출 실행에 따른 부담을 감소시킨다.

PC 통신 및 인터넷 이용자의 통신판매를 통한 의류제품 구매성향 (The Apparel Product Purchasing Tendency of PC Communication and Internet Users in Home Shopping)

  • 이은진;홍병숙
    • 한국의류학회지
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    • 제23권7호
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    • pp.1007-1018
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    • 1999
  • The purpose of this study were : 1) to examine the apparel product purchasing tendency of PC communication and internet users in home shopping 2) to analyze the difference of apparel product purchasing tendency accordint to consumer factors. The data was administered to 160 subjects who had communicated the PC communication and internet. And the data was collected from May through August in 1998. SPSS package was used for analysis and the following methods such as Means Percentage Frequencies Factor analysis Crosstabulation analysis t-test and one-way ANOVA, The results of this study were as follows : 1) The users of PC communication and internet were young and high-education level and a metropolitan area dwellers. They received a purchase offer through catalog PC communication and internet cable TV and paid out credit card Experience to purchasing apparel product of home shopping was very low but intention to purchasing was relative high. item that consumer wanted to buy using home shopping were casual clothing and fashion goods which were not important to fit and without regard to style. 2) Between purchasing apparel product of home shopping and mainly consideration factors were shown to have the significant differences according to age residential quarters whether or not marriage. income level. A metropolitan area dwellers the low-age unmarried and the low-income groups thought much of convenience shopping time and effort's saving. A person of the higher-income and the married thought much of the facility of an exchange or returned goods. A region dwellers were to purchase a speciality product or gift goods. 3) Between purchasing apparel product of home shopping and satisfaction degree were shown to have significant differences according to sex whether or not marriage education level an occupation. The woman than the man was satisfied with the benefit of the shopping time and effort's saving. And the unmarried than the married was satisfied with the benefit of the home shopping's convenience. The higher-education level than the lower-education level was satisfied with the quality guarantee of the product.

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