• 제목/요약/키워드: Financial Consumer

검색결과 484건 처리시간 0.024초

GIS기법을 활용한 은행입지분석에 관한 연구 - 서울시 강남구를 사례로 하여 (An Application of GIS Technique to Analyze the Location of Bank Branch Offices : The case of Kangnam-Gu , Seoul)

  • 이희연;김은미
    • Spatial Information Research
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    • 제5권1호
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    • pp.11-26
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    • 1997
  • 본 논문은 제2의 금융중심지로 부상하고 있는 강남구를 사례로 GIS 기법을 활용하여 은행점포의 입지를 분석하였다. 금융자율화 이후 급격한 증가추세를 보이고 있는 은행점포의 수는 상당한 지역적인 편재현상을 나타내고 있다. 통계기법을 활용하여 은행 입지에 영향을 주는 입지요인을 추출하였고, 은행이용 고객들에 대한 설문조사를 통하여 은행점포의 상권을 조사하였다. 이러한 기초자료를 바탕으로 하여 GIS기법을 활용하여 입지분석을 실시하였다. 먼저 은행이용고객들에게 최적의 서비스를 공급할 수 있는 목적함수를 토대로한 입지-배분 모델을 적용하여 추출된 입지와 현재의 은행점포의 입지를 비교하였다. 또한 그리드 연산 기법을 활용하여 잠재 수요력과 잠재 공급력의 차이를 통해 앞으로 은행점포의 신규 설립이 가능한 지구를 추출하였다. 본 연구를 통해 GIS기법을 활용하여 입지분석을 실시하는 경우 제한점과 앞으로 해결되어야 할 문제점에 대해 논하였다.

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기업책임경영(RBC)의 국제입법동향과 정책적 시사점 (International Legislative Trends on Responsible Business Conduct (RBC) and its Implications on Policy)

  • 안건형;조인호;권희환
    • 무역상무연구
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    • 제75권
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    • pp.199-224
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    • 2017
  • As Multi-National Enterprises expanded their investments to foreign countries, numerous controversies and disputes arose from their negative impacts, such as violations of human rights and damage to the environment of the host countries. In response, International Organizations such as the OECD have considered various ways to prevent these negative impacts and search for more efficient dispute resolution methods. It is recognized that the OECD Guideline is one of the tools they created for this purpose. The OECD Guideline is contrastable from Corporate Social Responsibility (CSR) initiatives which are regarded as a corporation's charity activities apart from their core business functions. However, Responsible Business Conduct (RBC) like the OECD Guideline can be understood as a concept moving forward from CSR, due to its requirements that corporations carry out their duties in a responsible manner within the field of their core business, such as tax, global supply chain or consumer protection. RBC which is binding in nature, has even been implemented through legislation in developed countries such as the USA, France, Switzerland, and the UK. The discussion in Korea, however, has not reached that level. Discussions for legislation center singularly on CSR efforts, with a dialogue only recently forming around the topic of legislation concerning RBC. Small and medium sized enterprises (SMEs) who lack certain financial and other resources to adequately develop RBC initiatives may find this more obstacles to implementation through legislated RBC, than if it were presented in Korea through other means. It's necessary to admit that RBC is a critical issue in international business. However, time is required to consider its application directly to SMEs.

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주류도매업체의 CSR활동과 경영성과 관계에 대한 연구 (Study on the Relationship Between CSR Activities and Financial Performance of The Liquor Licensed Wholesalers)

  • 정헌배
    • 벤처창업연구
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    • 제10권6호
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    • pp.81-87
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    • 2015
  • 본 연구는 종합주류도매업체의 사회적 책임이 관계품질과 조직성과 간의 관련성을 탐색하고자 하였으며, 첫째, 사회적 책임(소비자 책임, 경제적 책임, 자선적 책임, 환경적 책임)이 정직성 신뢰와 호의성 신뢰에 미치는 영향을 살펴보고자 하였으며, 둘째, 정직성 신뢰와 호의성 신뢰가 조직성과에 미치는 영향을 살펴보고자 하였다. 이 연구를 위하여 종합주류도매업체의 사업자 대표를 연구대상으로 선정하여 설문조사 및 연구결과를 도출하였다. 분석결과를 살펴보면, 첫째, 사회적 책임이 정직성신뢰에 미치는 영향력을 분석한 결과 경제적 책임과 환경적 책임이 정직성 신뢰에 영향을 미치는 것으로 나타났다. 둘째, 사회적 책임이 호의성 신뢰에 미치는 영향력을 분석한 결과 경제적 책임과 환경적 책임이 호의성 신뢰에 영향을 미치는 것으로 나타났다. 마지막으로 정직정 신뢰와 호의성 신뢰가 조직성과에 미치는 영향력을 분석한 결과 정직성 신뢰가 조직성과에 영향을 미치는 것으로 나타났다. 본 연구는 사회적 책임과 관계 품질간의 영향관계를 확인하였으며, 또한 정직성 신뢰와 호의성 신뢰가 조직성과 간의 영향관계를 확인하였다는 데 의의가 있다.

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진료정보교류 인센티브사업에 대한 이해관계자 조사연구 (Stakeholder Survey on the Incentive Program to Promote the Adoption of Health Information Exchange)

  • 박하영;옥민수;박정선;이혜린;김수민;이상일
    • 한국IT서비스학회지
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    • 제16권3호
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    • pp.17-45
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    • 2017
  • Health Information Exchange (HIE) is expected to improve the quality and efficiency of care by allowing providers online access to healthcare information generated by other providers at the point of care. However, the adoption of the technology in Korea has been slow since its pilot program in 2007~2010 at Seoul National University Bundang Hospital. The objective of this study was to survey stakeholders on the incentive program for the facilitation of HIE adoption. We surveyed 39 experts representing 6 categories of stakeholders-provider, insurer, government, information service firms, customers, and medical informatics experts for the interviews. Interview questions included program objectives, program participation requirements, incentive payment method, and administrative burden for program participation. Experts indicated that the quality of care was the most important value the program should aim to achieve through the HIE adoption. They suggested that the requirements and administrative burden for participation should be kept at minimum to recruit a large number of providers to the program, which is an indicator of program success. Experts were divided on the payment method whether the incentive should be paid as a part of the fee payment scheme operated by the National Health Insurance (NHI) or should be a payment made independent of the NHI. The source of the divide was conflict of interest among stakeholders as to who pays for the program, and the insurer and consumer groups were against the NHI taking the financial burden. It appeared to be the most significant factor for the successful program launching to resolve the gap in perceptions about benefits of the technology among stakeholders and to win the willingness to pay for the program.

식량생산능력 향상을 위한 농작물 육종전략 (Breeding Strategies to Increase Production Potential of Major Food Crops in Korea)

  • 김광호;김석동;박문웅;문헌팔
    • 한국작물학회:학술대회논문집
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    • 한국작물학회 1999년도 추계 학술대회지
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    • pp.80-101
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    • 1999
  • Self-sufficiency ratio of food crops in Korea is estimated under $20{\%}$ in 2010 because total food consumption including feed will be increased. but food grain production will be decreased. It is necessary to maintain the optimum level of food self-sufficiency rate to secure national food demand/supply balance and non-trade and multiple function of agriculture in Korea. It will be possible to produce more food grains having the acceptable quality if the appropriate policy and cropping techniques are developed and practised in future. Breeding for high yielding varieties should be the first target to raise the production potential of food crops . Number of varieties developed during last 30 years is counted as 353 in food crops. New varieties developed in 1990s showed the higher yield potential and the improved agronomic characteristics compared with 1970s and 1980s varieties. But number of varieties planted on the farmer's field over $5{\%}$ of national planting area is less than one third of total varieties developed Breeding efforts to maintain planting area of main food crops should be focussed on consumer's demand and farmer's need. They are the best quality variety in each field of crop utilization, the newly designed variety adapting to changes of natural, rural and cropping environment, and the higher yielding variety. It is also needed to develop new quality crop varieties for inducing more consumption of crop grain produced in Korea for direct food or processing. Development of barley varieties for animal feed. high income soybean varieties, high quality wheat variety. and super yielding rice and barley varieties are also needed to keep or maximize national food production potential. In order to establish the appropriate cropping technique for domestic food security, the strong and continuous interest and financial support on crop breeding are required, and the inter-disciplinary and inter-institutionary researches should be strengthened for successful crop breeding.

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혁신제품 확산과정에 대한 저유량 모형 개발: 친환경 자동차를 대상으로 (Development of a Stock Flow Model on Diffusion Process of Innovative Goods: the Green Car Diffusion Case)

  • 박경배
    • 한국시스템다이내믹스연구
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    • 제14권3호
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    • pp.25-49
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    • 2013
  • As global competition for green car, that is environmentally friendly car, is getting tougher, the governments and the related industries are putting their core efforts in its diffusion. However, the green car sales are disappointing so far. To overcome the gridlock, it is necessary to develop concrete analytical framework to understand the diffusion process. Based on causal loop analysis from the previous work, we have identified main variables and relationships of them in the diffusion process and developed a stock-flow diagram and mathematical formula for the main components. The model would be applied for further quantitative simulation on the diffusion process of green car and other innovative goods as well. Also, we have suggested constructive insights for the policy makers and for the related industries. First, it is important to increase consumers' willingness to consider through marketing and word of mouth to accelerate the diffusion process. Second, in the perspective of the industry, the market share of green car should be increased at the earliest possible stage and this could be done by enhancing each components of green car attractiveness(e.g. price, driving range, social infra). Third, companies should develop a balanced investment between consumer and technology sector through a flexible financial policy. Fourth, the government continuously has the role of investing in the related R&D and social infra building. We expect the green car diffusion model and related formula from the research can provide meaningful tools to analyze the diffusion process of other new and innovative goods based on its deep researched literature review.

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기술금융시장에서의 신뢰성있는 기술평가 정보와 신용평가 정보의 최적화 결합에 관한 연구 (A Study on the Effective Combining Technology and Credit Appraisal Information in the Innovation Financing Market)

  • 이재식;김재진
    • 디지털융복합연구
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    • 제15권1호
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    • pp.199-208
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    • 2017
  • 본 연구는 기술신용정보의 기술금융공여자가 신뢰할 수 있는 기술신용정보의 구성요소와 등급산출체계를 분석하고 이를 토대로 기술금융 공급확대를 유인할 수 있는 최적의 기술신용평가시스템을 도출하는 것이다. 기술평가등급과 신용평가등급의 결합비율 변화를 통해 최대 AUROC 값이 되는 최적화된 기술신용평가등급을 산출하고 기존의 신용평가등급 및 체계 간의 격차 시뮬레이션을 통해 기술신용평가등급과 신용평가등급 간 대체가능성을 검증해 본 후 금융기관이 활용할 수 있는 등급체계를 제시하였다. 연구결과, 기업 규모별, 업종별로 동일하게 신용평점 : 기술평점의 가중치 결합비율 70% : 30% 일 때 AUROC가 가장 높게 나타났다. 본 연구를 통해 기술신용등급의 부도 유의성이 신용등급 또는 기술등급보다 향상된 결과를 확인함에 따라 기술신용평가정보가 신용등급을 대체 적용 가능성을 발견하였고 나아가서 금융기관에서 여신의사결정 시 기술평가정보와 신용평가정보가 최적화 결합된 기술신용등급을 이용하여 정교한 리스크 관리도 가능함을 시사하고 있다.

남성 캐주얼 재킷 패턴 설계 시 허리선 절개 분량이 외관과 동작성에 미치는 효과 - 20대 남성 표준체형을 중심으로 - (The Effects of Waist-line Cutting Portion on External Appearance and Performance in Designing Jacket Patternmaking for Men's Casual Jacket - Focusing on Standard Body Type in 20s -)

  • 김명옥;이미숙;서미아
    • 복식문화연구
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    • 제17권4호
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    • pp.616-625
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    • 2009
  • With suffering financial crisis in 1997, Korea's fashion market has grown in the direction that satisfies the reasonable price and diverse consumer's sensitivity and needs. The aim of this study is to examine whether the cutting portion in the waist line is surely necessary for designing the jacket pattern in men's wear, by closely examining the effects of the cutting portion in the waist line on the external appearance and functionality given designing the jacket pattern in men's wear for the standard body type in 20s. The results of the study are as follows. As a result of evaluating the external appearance, when having evaluated by dividing into 14 items such as the whole surface, the side, and the back side, the experimental clothing, which wasn't cut the waist line, obtained the highest mark in 13 items and, the significant difference was indicated in 10 items except 4 items. As a result of evaluating performance, the experimental clothing, which wasn't cut the waist line, obtained the highest mark in 13 items among 25 items in the total. Next, the cutting portion in the waist line obtained the highest mark in 10 items for the experimental clothing with opening in 1.0cm. The next was indicated to be in order of the experimental clothing with 1.5cm and the experimental clothing with 0.5cm. Given seeing the above result, the cutting portion in the waist line given designing the jacket pattern for the standard body type in 20s could be known that the experimental clothing with the most excellent mark in the evaluation of performance was all the experimental clothing with 0.0cm whose waist line wasn't cut.

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토굴을 이용한 생강저장의 사회 경제적 투자효과 분석 - 서산지역을 중심으로 - (A Study on Socio-economic Investment Effects of Ginger Storage in Artificial Caves (In the Case of Seochun Districts in Chungnam Province))

  • 이무원;임재환
    • 농업과학연구
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    • 제25권2호
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    • pp.310-320
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    • 1998
  • This study is aimed at identifying the socio-economic effects of storage of ginger in artificial caves. The gingers stored in artificial caves in Seochun, 12 sampled areas, were surveyed to get information on the socio-economic effects. The surveyed data were processed by TSP, Qbasic and B/C Ratio computer programs and analyzed the decision making criteria such as B/C ratio, NPV and IRR. The socio-economic effects of the storages of the gingers are as follows. 1. The storage benefits per ton was showed as 184,050won. 2. Considering 10% of the opportunity cost of capital, the uper limits of investments for the cave storages was analyzed as 6,784 thousand won for ginger. 3. The investment of the natural cave storages was revealed economically feasible considering the decision making criteria as B/C ratio = 1.33, NPV = 35.059 thousand won and IRR = more than 100%. The other socio-economic effects of the ginger storages was expected as ; 1. The cave storages will contribute to increase consumer's and producer's welfare through the control of supply and demand and price stability. 2. Long-term storage of ginger without damaging quality and grades will be made on account of the storage conditions as relatively low temperature, high humidity and indifferent affects from the outside climate. 3. Utilization of the underground space, the caves, for storage will maximize the land use and the sustainable environment considering the mountainous area, two third of the total national land area. 4. Construction costs of the underground storage facilities as caves are cheaper than the ground storage facilities by 15 to 20% in general. In conclusion, the underground space like natural and artificial caves are considered the most suitable for storage of ginger on account of the storage conditions as temperature, humidity and blocking the sun light. Accordingly a study on convenient utilization of new development of artificial caves should be made considering transportation and input-output of the farms. Financial support of the government should be institutionally rearranged for the successful implementation of storing farm products like ginger in natural and man-made caves.

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방화 발생에 영향을 미치는 요인에 관한 연구 (A Study on the Factors Affecting the Arson)

  • 김영철;박우성;이수경
    • 한국화재소방학회논문지
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    • 제28권2호
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    • pp.69-75
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    • 2014
  • 본 연구에서는 방화발생에 영향을 미치는 요인을 도출하기 위하여 발생건수를 종속변수로 하고 경제 인구 사회적 요인을 독립변수로 하는 다중회귀분석을 실시하였다. 다중회귀분석은 선형함수, 준로그함수, 역준로그함수, 이중로그함수 4가지 함수형태에 대해 적용하였으며, 각 단계별로 변수의 선택과 제외를 고려하는 단계적선택 방식을 적용하였다. 다중공선성 문제와 자기상관 문제를 해결하기 위하여 분산확대지수(VIF)와 Durbin-Watson 계수 이용하였으며, 4가지 함수모형에 대하여 수정된 R 제곱(설명력) 값이 0.935 (93.5%)로 가장 값이 높고 통계적으로 유의한 선형함수모형을 최적의 모형으로 결정하고 모형에 대한 해석을 진행하였다. 선형함수모형 결과 방화발생에 영향을 미치는 요인은 범죄발생건수(0.829), 일반이혼율(0.151), 재정자주도(0.149), 소비자물가상승률(0.099) 순으로 도출되었다.