• 제목/요약/키워드: Financial Access

검색결과 296건 처리시간 0.02초

습지총량제 도입에 따른 문제점과 개선방안에 대한 연구 (Studies on Problems and Improvement of Introducing No Wetland Loss)

  • 김윤정;이상돈
    • 환경영향평가
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    • 제18권4호
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    • pp.235-243
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    • 2009
  • Wetlands considered to be an important natural resources because they provide biodiversity and habitat for species to breed and survive. In this regard, many countries in the world provide wetlands and have policies and laws to protect them. In Korea we hosted RAMSAR COP-10 at Changwon in 2008 representing Korea's endeavor to wetland protection. But, in the process of development Wetlands are easy target to be lost due its easy access and the laws and regulations to protect them are relatively weak. Thus, this research focused on the introduction of No Wetland Loss(NWL) and we can achieve wetland protection in the economy market ways. Thus, NWL should consider 1) a clear definition of NWL and harmony and consensus of introduction of NWL, 2) considering most wetlands be private we need a financial support for securing wetlands, 3) inventories for wetlands in Korea, draw a line of demarcation, technic to evaluate wetlands, 4) wetland restoration considering function of ecosystem not total amount of wetlands. Wetland protection should be a part of Basic Law of Water Management which in its progress and we need further studies on wetland protection because of watershed management, deserted agricultural paddies, etc.

Determinants Influencing Information Transparency in Vietnamese Commercial Banks

  • NGUYEN, Minh Phuong;NGUYEN, Thi Hong Hai;HOANG, Phuong Dung;TRAN, Manh Dung;PHAM, Quang Trung
    • The Journal of Asian Finance, Economics and Business
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    • 제7권12호
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    • pp.895-907
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    • 2020
  • Information transparency ensures that market players all have the opportunity to access the same information to come up with their assessment of the banks' financial situation, performance and risks to reach effective investment decisions. This research is conducted to investigate the levels of impact of determinants on information transparency by examining the case studies of Vietnamese commercial banks. This study combines both qualitative and quantitative research methods, based on interviews of 32 specialists in banking, accounting and auditing fields, which were conducted to explore determinants influencing information transparency and to develop measurement scales. Then, a survey of 160 managers of commercial banks, audit firms, and accounting managers of firms who frequently had transactions with banks was carried out to investigate the statistical significance of these determinants. The results show that, out of seven determinants that have significant impacts on the banks' information transparency, commitment from banks' senior management regarding transparency in information disclosure has the highest impact, followed by state governance, auditing, information infrastructure, credit rating agencies, personnel and bank performance. Accordingly, we provide some recommendations for improving information transparency in the Vietnamese banking industry context as a case study and in emerging countries context in general.

Capital Markets for Small- and Medium-sized Enterprises and Startups in Korea

  • BINH, Ki Beom;JHANG, Hogyu;PARK, Daehyeon;RYU, Doojin
    • The Journal of Asian Finance, Economics and Business
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    • 제7권12호
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    • pp.195-210
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    • 2020
  • This study describes the structure of the capital markets for small- and medium-sized enterprises (SMEs) and startup companies in Korea, which is an emerging market that has experienced drastic changes. The overall capital market can be divided into private and public capital markets. In the private capital market, most of the demand for capital comes from non-listed private firms, including startups and SMEs. In the case of SMEs and startups, the KOSDAQ, the Korea New Exchange (KONEX), and primary collateralized bond obligations (P-CBOs) are part of the public capital market. SMEs and startups are generally incapable of raising sufficient capital owing to their low credit ratings, and they largely have limited access to primary markets to issue shares and borrow money. The Korean government has developed a systematic financial aid program to provide funds to these companies. The fund for SMEs has significantly contributed to the development of the venture capital market. Many Korean banks provide substantial lending to SMEs, but this lending is available only because of the Korean government's loan recovery guarantee. Furthermore, SMEs can issue corporate debt in the form of primary collateralized bond obligations through government guarantees, but such debt issuances have placed increasing pressure on public guarantee institutions.

A Secure Authentication Method for Smart Phone based on User's Behaviour and Habits

  • Lee, Geum-Boon
    • 한국컴퓨터정보학회논문지
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    • 제22권9호
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    • pp.65-71
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    • 2017
  • This paper proposes a smart phone authentication method based on user's behavior and habit that is an authentication method against shoulder surfing attack and brute force attack. As smart phones evolve not only storage of personal data but also a key means of financial services, the importance of personal information security in smart phones is growing. When user authentication of smart phone, pattern authentication method is simple to use and memorize, but it is prone to leak and vulnerable to attack. Using the features of the smart phone pattern method of the user, the pressure applied when touching the touch pad with the finger, the size of the area touching the finger, and the time of completing the pattern are used as feature vectors and applied to user authentication security. First, a smart phone user models and stores three parameter values as prototypes for each section of the pattern. Then, when a new authentication request is made, the feature vector of the input pattern is obtained and compared with the stored model to decide whether to approve the access to the smart phone. The experimental results confirm that the proposed technique shows a robust authentication security using subjective data of smart phone user based on habits and behaviors.

역사자료의 디지털 아카이빙 방안 연구 (A Study of Digital Archiving Strategies for Historical Materials)

  • 장윤금
    • 한국비블리아학회지
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    • 제21권4호
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    • pp.193-203
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    • 2010
  • 본 연구에서는 급변하는 디지털 정보환경에서 역사자료의 디지털 아카이빙 방안을 모색하고자 해외의 대표적인 역사자료 디지털 아카이빙 구축 사례를 조사하였다. 즉 역사자료의 디지털 아카이빙 프로젝트를 수집, 보존, 접근 및 활용의 정보 생명주기 및 디지털 큐레이션 개념에 근거하여 분석하였다. 이를 통해 역사자료의 디지털 아카이빙 구축의 필수 요건 및 지속가능성을 위한 방안으로 국가적 차원의 구체적인 정책 수립과 이를 뒷받침해 줄 수 있는 재정적 지원 및 연구, 지속적인 서비스를 제공하기 위한 장기보존 시스템 구축의 확립, 그리고 장기보존 전략, 표준화 등을 위한 기관 간, 국가 간 협력 방안 및 업무 분담체계 마련 등의 방안을 제시하였다.

노인 및 장애자를 위한 건강간호센타 운영모형 개발 - 대학 건강간호센타를 중심으로 - (Development of Nursing Center for Elderlies and the Disabled)

  • 이갑순
    • 한국보건간호학회지
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    • 제7권1호
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    • pp.17-29
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    • 1993
  • Nursing centers are nurse-managed organizations that give the client direct access to professional nursing services. Academic nursing centers are faculty-created and -organized nursing centers integrated into nursing school or cooperated with community nursing center. Academic nursing centers are needed for providing services to the forgotten or underserved populations in the community, providing learning opportunities for nursing students and practice opportunities for faculties. The intent of this study is to identify the elements needed in developing process and operations of acedemic nursing center for elderlies and the disabled, and to present the desired model for academic nursing center. The processes of my study were : 1) The articles of the academic nursing centers in U. S. were reviewed and analysed. 2) The academic nursing center for elderlies and the disabled was developed and operated in my paper. 3) Desired model for academic nursing center was presented in my paper. The followings are the results of my study: 1. Elements needed in developing process of academic nursing center were philosophy and goals, the community support, assessment of the validity of the service and health needs, identification of the service contents, roles and responsibilities, communication lines, finances for facilities and operations, cooperation with resources, and developing record system. 2. Elements needed in operations of academic nursing center were the structural organizations, realization of the above philosophy and goals, development of policy and nursing standards, faculty participation, continuity of services, and financial solutions. 3. The desired model was presented according to the process and operations.

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공공도서관의 노인 복지 봉사를 위한 연구 (The welfare service of public libraries for aged persons)

  • 이진영
    • 한국도서관정보학회지
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    • 제27권
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    • pp.245-269
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    • 1997
  • This study is a primary research aimed at the information service of public libraries for aged persons who are increasing in our society. In the year 2000, the total population of the world is expected to be up to sixty one hundred millions and the aged population over the age of 65 is also expected to be about 14.3 percent. The population of Korea will be twenty third(23) in its number throughout the world and the population of aged persons is expected to increase to 7 percent according to the United Nation. The service of public libraries should enhance the quality of each individual life and contribute to communities in the conviction of service. The social welfare of aged person is, in a way, to transfer the responsibilities of taking care of aged persons from the family to society. When we plan, consider and offer the equal rights and o n.0, pportunities for them to access to public libraries, then the service of public libraries will be a momentum for the reformation of our society. The public libraries should develop a section for the aged persons as a non-profit organization and further should provide some communication skills, specific a n.0, pparatus for poor eye sight, and some financial su n.0, pport for them.

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외국 대학도서관의 디지털 큐레이션 프로세스 비교분석 (Comparative Analysis on Digital Curation Process in Foreign Academic Libraries)

  • 한나은;김성희
    • 한국도서관정보학회지
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    • 제45권2호
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    • pp.93-116
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    • 2014
  • 본 연구에서는 연구데이터의 효율적인 활용을 위해 국외의 10개 대학도서관의 보존정책을 대상으로 디지털 큐레이션 프로세스를 분석하였다. 분석은 데이터 선정 및 접수, 보존 활동, 접근 및 이용, 책임 및 관리의 4가지 부분으로 나누어 실시하였다. 분석결과 데이터 선정 및 접수에서 수집 대상 데이터는 대부분 대학 내에서 생산된 디지털 형태의 연구데이터나 대학에서 생산하지는 않았으나 대학을 통해 이용할 수 있는 디지털 데이터로 나타났다. 보존을 위해 사용되고 있는 메타데이터는 Dublin Core, MODS, PREMIS 등으로 나타났으며, 접근 및 이용에서는 법률 및 규약에 기초하여 접근, 규제 등을 결정하는 것으로 나타났다. 책임 및 관리 차원에서는 관리적, 재정적, 기술적, 물리적, 인적 부분 등으로 나누어 각각의 감사나 지속가능성 등을 검토하는 것으로 나타났다.

Information Cascade and Share Market Volatility: A Chinese Perspective

  • Hong, Hui
    • The Journal of Asian Finance, Economics and Business
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    • 제3권4호
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    • pp.17-24
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    • 2016
  • The purpose of this paper is to understand the underlying dynamics for the share market bubbles in China during the most recent decade. By using the behavioral finance theory and the Shanghai Composite index prices during the periods from 2005 to 2008 and from 2014 to 2015 as the study samples, we find that the large volatilities in the Chinese share market are closely related to information blockage, which impedes share prices to timely respond to economic conditions as well as external shocks and increases (decreases) the demand of shares when the supply is difficult to adjust. Although the Chinese government has introduced a series of programs designed to increase more reliable information to the public, the share market still tends to confront issues of information asymmetry. The potential reason is that the reforms did not change the long-stand situation in China, where individuals or groups related to government bureaucracy who play a dominant role in the society are given priority to gain access and obtain information that benefits. By identifying the main reasons for the large volatilities in the market, policy makers are given advice as to which areas they may need to focus on to improve future market performance.

전기 통신 금융사기에 영향을 미치는 요인에 관한 연구 : 전화 금융사기를 중심으로 (A Study on Factors Influencing Telecommunications Fraud : In the Case of Voice Phishing)

  • 조수현;이유우;최명길
    • 한국IT서비스학회지
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    • 제15권2호
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    • pp.35-49
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    • 2016
  • With the gradual development of IT technology, voice phishing victims are increasing in number. In the past when only voice phone calls were made, personal information or financial information were stolen mainly by a direct phone call, but recently, as smart phones are widely in use, it is evolving into a way such as smishing that leads an access to a site with malicious codes spreading out. Since it is easy to run away after committing a crime, and trace are rarely left in case of voice phishing, it is difficult to find out criminal. In addition, it is most likely that a victim be would be exposed to further damage from another voice phishing. Its technique is growing in kinds and turning more intelligent day by day; Therefore, its victims are increasing in number. Previous researches mainly focused the area of legal studies while the factors exposed to voice phishing have not been made. Therefore, this study has analyzed the motifs in which voice phishing is done to draw out its outcomes as follows. First, a victim comes to trust the criminal by the factors of favorability, rare message, and mutuality. Second, the more sophisticated the technique of a criminal, the more likely a victim is exposed to voice phishing.