• 한국치위생학회지
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• 제9권2호
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• pp.179-191
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• 2009

The purpose of this study was to examine the needs of dental hygiene students at a lifelong education center of a three-year-course college for a credit bank system. The subjects in this study were 200 dental hygiene students at a college located in J, which offered courses of a credit bank system. A survey was conducted from May 19 to 23, 2008, to gather data on the acquisition of a bachelor's degree and the credit bank system, and the answer sheets from 184 respondents(92%) were collected. After the collected data were analyzed with SPSS/WIN 12.0 program, the following findings were given: 1. In regard to an intention of taking a bachelor's degree, the largest number of the students investigated(74.5%) intended to do that if they had any chance. As for the reason, 55.6% wanted to get the degree in pursuit of their own personal development. 2. Concerning how to win a bachelor's degree, the largest group that accounted for 63.0% preferred the credit bank systems of college lifelong education centers. 41.8% got interested in the credit bank system mainly because their acquaintances informed them of it. It shows that colleges should reinforce publicity activities if they want to offer the credit bank system. 3. The quality of educational programs and cost had an impact on the choice of an educational institution when they planned to get a bachelor's degree from the credit bank system. Therefore excellent educational programs should be provided, and the government should provide learners with economic help and fund educational institutions. 4. As to comparison of a regular college and the credit bank system as a way to get a bachelor's degree, that was considered to be helpful for finding a job(a mean of 3.39) and for the development of sociability(3.22). That was also deemed to be of use for the improvement of practical job performance, to win public recognition and to be helpful for being well-cultivated, though not many students had those opinions. They took a different view according to academic year(p<.05). 5. Regarding the expected effects of getting a degree from the credit bank system, the greatest group expected it to step up their personal development(3.85). The second largest group expected it to boost job efficacy(3.30), and the students whose academic year was higher had a better opinion. 6. As for future directions for the credit bank system, the largest group put emphasis on the improvement of social perception through intensive P.R. and the enhancement of the qualifications of professors and lecturers(4.02). These opinions were more stressed by the juniors than by the sophomores and seniors, and academic year made a significant difference to their views(p<.05).

• 무역상무연구
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• 제77권
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• pp.113-144
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• 2018

This study explores how to prevent the fraudulent export financing and its subsequent export insurance fraud in relation to O/A negotiation. Under the traditional letter of credit(L/C) transactions, the banks, as a negotiation bank, can extend trade financing to the exporters through negotiation of draft and/or shipping documents. Under the O/A transaction scheme, however, bank cannot ascertain existence of trade performance and it is much riskier to extend an advance financing to the exporters before the buyer sends confirmation of debt. In O/A negotiation. some exporters tried to fraud banks by falsifying the shipping documents and the size and gravity of this fraudulent export financing were huge. Therefore, this study examines the banking process in O/A-based trade financing, documents examination process, the negotiation of instruments, treatment of trade financing in export credit guarantee, most importantly, explores what could be the criteria for appropriate treatment of account receivable to insure the safe transfer of account receivable. To maximize the benefit for optimum trade financing, the Bank of Korea established several Trade Finance Rules (refers to "BOK Rules") requiring that commercial banks should maintain optimal credit limits(so called, 'the principle of optimal loan') to extend the trade finance. The K-sure post-shipment credit guarantee programs and short-term export insurance program(EFF)can also facilitate 'the principle of optimal loan' principle.

• 디지털융복합연구
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• 제18권4호
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• pp.149-161
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• 2020

본 논문은 신용카드 사용이 고착화되어 있는 한국의 환경이 핀테크 간편결제 수용의도에 영향을 미치는지에 관해 연구하였다. 의무수납제와 같은 신용카드 사용을 장려하는 제도는 신용카드 사용을 고착화시키고 인프라를 구축시켜 새로운 결제수단인 모바일 간편결제 수용에 영향을 미칠 수 있다. 따라서 본 연구는 기술수용모델을 바탕으로 신용카드의 용이성, 유용성에 접근성과 안정성 변수를 확장하여 검증을 시도했다. 신용카드의 고착도를 매개효과로 그리고 신용카드 의무수납제도를 조절효과로 설정하였다. 연구 결과 신용카드 사용의 인지된 용이성, 유용성, 접근성이 간편결제의 이용의도에 긍정적인 영향을 미치고 있는 것으로 나타났다. 또한, 신용카드사용의 유용성과 접근성이 소비자 고착도를 매개로 하여 모바일 간편결제 이용의도에 긍정적인 영향을 미치고 있는 것을 확인하였다.

• Journal of the Korean Data and Information Science Society
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• 제14권3호
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• pp.501-510
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• 2003

Ordinary computer program in the context of MDS for providing separate graphs according to "individuals" is usually referred to as INDSCAL(individual difference scaling), which enables one to detect dissimilarities between "subjects". This article is concerned with applications of INDSCAL concept to MDPREF and perceptual map. Related algorithm is presented and is implemented through illustrative analysis of Korean credit card data.

• 응용통계연구
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• 제29권2호
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• pp.389-398
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• 2016

본 연구에서는 신용보증기금으로부터 보증받은 기업의 미시적 성과를 분석하기 위해 비보증기업과 비교 분석하였다. t-test나 회귀모형과 같은 단순모형으로 비교하게 되면 선택편의에 의해 실제 보증성과를 나타낼 수 없다. 이러한 문제점을 해결하기 위해서, 선택편의를 보정한 회귀모형을 제안하였고 실제 자료에 적용하였다. 분석결과 비보증기업에 비하여 보증기업의 미시적 성과를 확인할 수 있었다.

• 공학교육연구
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• 제3권1호
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• pp.53-62
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• 2000

본 연구의 목적은 2+2 연계 교육 활성화를 위한 예비대학 프로그램 적용에 있으며 이를 위해 실업계 고교 교사 및 학생들을 대상으로 의견 조사를 하여 선취 학점 인정을 위한 프로그램을 개발하였다. 본 연구를 통하여 기술을 습득하고 미래에의 대처 능력을 갖추어 한번 속한 직업분야에서 다른 분야로 전이 할 수 있는 기본 기술을 제공할 수 있는 프로그램을 제안하였다. 그리고 대학의 선취 학점 인정을 위한 실습 주제 및 실습 내용을 결정하였고 이를 통해 예비대학 프로그램을 개발하였다.

• 복식문화연구
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• 제13권4호
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• pp.604-621
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• 2005

The purpose of this study were to analyse the consciousness of persons in charge of fashion industries and to provide some basis data for development of the fashion internship program which could reduce differentiation between fashion colleges and fashion companies. Fifty national fashion brands had been randomly selected and question researches had done from August twenty-seventh to October thirtieth by the visit, mail, fax and e-mail etc. Date analyses were conducted with SPSS program on the frequency, t-test and ANOVA. The results were as follows. The companies selected interns by documents and interview, however, in the future they will prefer to accept interns by appraising some task. They preferred to apprentice for two months with some simple job and tasks. The companies wanted some prerequisite study such as major curriculum, human nature education, computer education. And each division wanted different curriculum. They wanted to be joined with industrial disaster insurance for intern and to be given allowance and credit. They also preferred reputation ratio of industry : college as $70\%$ : $30\%$ for intern reputation. There were some vitalizing method of fashion internship such as discriminated fashion internship program, government support for industries, universities and students, organization opening to connect industry and . university, mentor-system and credit system introducing, curriculum reforming in the university.

• 공학교육연구
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• 제16권1호
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• pp.64-74
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• 2013

This study investigated the effect of engineering education accreditation on employment rate at the University of Seoul. The graduates who had been educated in the accredited program showed higher grade point average (GPA) and higher employment rate (89.0%) than the graduates who had been educated in the program without the accreditation (70.9%). The employment rate of all graduates increased with increasing GPA, the mathematics-science-computer (MSC) credit acquired, design credit acquired, and the number of interviews with supervising professors. Theses results showed that the MSC and design subjects and the counselling are at least beneficial in getting a job for students at the University of Seoul. When GPA, design credit acquired, and the number of counselling are the same, graduates with the engineering education accreditation showed much higher employment rate than the graduates without the accreditation. These preliminary results suggest that the engineering education programs with accreditation at the University of Seoul are beneficial for students in getting a gob through motivating them to acquire more credits in design subjects, doing greater number of counselling with supervising professors, and making better academic achievement. In addition, the engineering education accreditation at the University of Seoul helped students developing their personal skills such as team workability, communication skills, and creativity via carrying out design subjects, which may affect the employment rate indirectly.

• 통상정보연구
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• 제11권4호
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• pp.419-444
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• 2009

In this paper, we use case studies to analyze the supporting programs of policy funds for Korean and Japanese small and medium-sized enterprises(SMEs). It is found that supporting firms are suitable to the excluded companies from financial institutions and excellent corporate credit rating. It is also shown that subordinated loan program as well as loan limit can be enlarged policy funds with priming water of private funds. Moreover, it shows that credit guarantee funding has a positively significant influence on long-term funding facility. Therefore, this findings can improve the complementary relationship between policy funds and financial institutions.

• 가정과삶의질연구
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• 제24권2호
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• pp.119-135
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• 2006

Due to social problems related to the recently increased number of people with bad credit, the argument has been made that economic education should be started long before their actual social life. Likewise, teaching methods and the content of economic education are also being actively discussed. To induce economic understanding in reality and to educate healthy consumers, long-term economic programs should be developed and implemented for adolescents while they are still at school.