• 아태비즈니스연구
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• 제13권4호
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• pp.91-107
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• 2022

Purpose - This study quantitatively examines the level of financial inclusion of a microfinance institution in each region and how this is changing recently, and examines the level of financial inclusion by region and various financial characteristic factors related to it. It was empirically verified what kind of significant impact actually has on the institution's major management performance indicators (stability, profitability, efficiency, and public interest). Design/methodology/approach - It was confirmed that the institution's financial inclusion index declined rapidly after 2015 as a whole, although there were some differences by region depending on regional characteristics. However, considering the fact that the number of branches per 100,000 adult population is steadily increasing nationwide, it was found that, contrary to what is known, the simple decrease in the number of branches of the institution was not the main cause. Findings - The analysis results of this study show that the institution's efforts for financial inclusion have a positive impact on profitability, stability, efficiency, and public interest, and that the institution pursues profitability, efficiency, stability, and public interest. showed that some trade-offs exist. In other words, overall, it was analyzed that profitability of the institution has a positive effect on efficiency, and efficiency has a positive effect on stability and public interest. Research implications or Originality - Since the institution's efforts to improve its profitability do not have a negative impact on its stability and public interest, it is judged that it is important to take a strategic stance, so excessive loan supply that exceeds the scope of the institution's own control needs to be avoided as much as possible. More detailed financial supply strategies and business management capabilities that enhance the asset soundness and management efficiency of safes need to be demonstrated.

• 한국콘텐츠학회논문지
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• 제11권6호
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• pp.397-406
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• 2011

본 연구에서는 국내 금융투자기관의 효율성 분석을 위해 코참비즈에서 제공하는 재무데이터를 이용하여 2009년도 영업이익순위 30위이하의 금융투자기관을 중심으로 DEA분석방법을 적용한 CCR-I, BCC-I 효율성과 규모수익성(RTS)평가를 통해 금융투자기관의 효율성을 분석함으로써 벤치마킹의 대상이 될 수 있는 국내 금융투자기관을 확인하고, 비효율적인 기업을 위한 각 기업이 개선시켜야하는 투사 값을 제시함으로써 기업의 효율성을 위한 수치를 제공함과 동시에 분석된 자료를 바탕으로 벤치마킹의 대상이 될 수 있는 금융투자기관을 제시하고자 한다.

• 한국병원경영학회지
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• 제4권1호
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• pp.147-170
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• 1999

This study was performed to assess the financial performance of medical institutions and examine the affecting factors in Taegu metropolitan and Kyungpook province. The major results are as follows ; The liability to total assets was significantly different according to the ownership type of medical institution. It was the highest in the case of juridical person having a special status. The total assets turnover and value added to total assets were significantly different according to the type of medical institution, period of establishment, and ownership type of medical institution. They were higher in the tertiary medical institution, in private hospital and university hospital, and they were increased with establishment period of medical institution. The growth rate of patient revenues were significantly different according to the type of medical institution, period of establishment, and the growth rate of adjusted inpatient days were significantly different by period of establishment. The return on assets and net profit to gross revenues were the highest in private hospital. Private hospital went into the black, but other hospitals went into the red figures. According to the multiple regression analysis for the net profit to gross revenues, ownership type, period of establishment, and management strategy of medical institution were significant It was higher in private hospital and medical institution with prospector management strategy, and it was increased with establishment period of medical institution. In multiple logistic regression analysis for the status of financial performance in medical institution, period of establishment, management strategy of medical institution were significant It was better in medical institution with prospector management strategy and longer period of establishment.

• 지식경영연구
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• 제21권2호
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• pp.21-40
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• 2020

Korea Credit Guarantee Fund(KODIT) is a public financial institution under the provision of the Korea Credit Guarantee Fund Act. Facing the waves of change both locally and globally, KODIT will serve as 'social value creator' in making a paradigm shift from a large corporation(Conglomerate-dominated) economy to a social enterprise-oriented one based on social economy. This study focuses on the supporting service programs for social enterprises and job creation how it affects the performance of social value creation of KODIT. There is currently no detailed research of the social value in terms of the business and management academic agenda. Therefore, the present study describes the importance of social value creation on the policy financial institution. This study conducted in-depth case study for social value performance. As a public policy financial institution, KODIT exert diverse efforts to correct market failure and achieve inclusive growth. For example, KODIT extends credit guarantee services for the liabilities of promising corporations and stimulates financial and non-financial supporting programs for social enterprises. Although the role of social value and social economy has gained business field attention, few investigations have been conducted to explain how social value is achieved. The present study can thus act as the foundation for exploring the social value creation in the circumstances of public financial institution.

• 벤처창업연구
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• 제2권2호
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• pp.23-47
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• 2007

본 연구는 금융기관을 중심으로 사원부정에 관한 자료를 수집하였다. 경남지역의 제1금융권 68건 및 제2금융권 87건과 서울 등 그 밖의 지역 46건 등 모두 201건을 표본을 확보하고 설문을 조사 분석하였다. 그 결과 금융기관에서 종사자들이 느끼는 금융사고의 인지 및 경험은 다양한 형태의 사원부정 형태 또는 사원부정 욕구들 가운데 편취, 부정대출, 금품수수의 형태로 조사되었으며, 이러한 금융사고의 인지 및 경험은 성별과 담당업무에 따라서 부정의 욕구를 느끼는 정도가 유의한 차이를 보였다. 주로 남성이 여성에 비해 금품수수의 욕구가 높은 것으로 조사되었으며, 경제사업 관련 업무 종사자들이 타 업무종사자에 비해 금품수수의 욕구를 보다 더 빈번하게 느끼는 것으로 조사되었다.

• 한국정보시스템학회지:정보시스템연구
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• 제17권2호
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• pp.137-154
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• 2008

Customer Relationship Management (CRM) is indispensable for companies in recent business environment, in which the customers are recognized as more valuable asset to increase the earning power of enterprise. For gaining competitive advantage, most companies want to maintain existing customer relationships and generate more profits with customers through long-term relationships. In this study, we developed the models which are designed to select CRM systems in financial institution, which is one of competitive sectors and undergoes rapid changes due to M&A(Merger and acquisition), innovation and reengineering in Korea. The selection model of CRM systems for financial institution was developed utilizing the Analytic Hierarchy Process (AHP) and the expert's knowledge were built up of three groups; researcher group, developer group, and user group. We found that there are significant deferences for the weights of criteria in our selection model according to the kind of experts. This study provides helpful guidance on how to assign appropriate weights to each criteria in selection models when financial institution introduce the CRM systems.

• The Journal of Asian Finance, Economics and Business
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• 제6권1호
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• pp.83-89
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• 2019

The purpose of this paper is to examine how the social system of deposit insurance affected the financial market in Korea. Specifically, we want to know how much the risk-seeking behavior of financial institutions has increased or decreased. The most important feature of the deposit insurance system is to prevent the insolvency of financial institutions and to properly protect depositors. In recent studies, it has been argued that characteristics of deposit insurance bring moral hazard of financial institutions and that financial institutions make unreasonably risky investments. Therefore, in this study, we will first examine whether such previous research can be applied to the Korean financial market. Next, we will examine the appropriateness of the differential premium rate that is currently used for each financial institution in the Korean financial market. In order to test the first hypothesis, we used the Capital Asset Pricing Model (CAPM) to calculate the total risk for each financial institution. As a result, significant changes were found in all regions before and after the introduction of the deposit insurance system. As for testing the second hypothesis, we conducted a variance analysis of financial institutions' indexes before and after the introduction of the deposit insurance and we discovered significance of the total risk difference.

• 정보보호학회논문지
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• 제27권4호
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• pp.885-895
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• 2017

급변하는 IT환경만큼 다양한 형태의 외부 침입에 의한 보안이슈가 발생하고 있다. 웹 어플리케이션에 대한 취약점을 이용한 공격은 갈수록 늘어나고 있고, 각 기업은 취약점 발생의 원인을 찾아서 조치하여 외부 침입을 막고 자사의 시스템 및 주요 정보를 보호하기 위해 노력하고 있다. 특별히 감독규정에 의하여 각 금융기관 및 전자금융업자는 6개월에 한번 씩 공개용 홈페이지에 대한 취약점 분석평가를 실시하고 그 결과를 금융위원회에 보고하도록 되어있다. 본 연구에서는 감독규정에서 정의하는 웹 취약점 항목을 기준으로 실제 금융기관의 점검 사례를 바탕으로 발생빈도가 높은 항목을 분석하고 이에 대한 효율적인 대처방안과 발생을 미리 예방할 수 있는 방안을 제시하고자 한다.

• International Journal of Computer Science & Network Security
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• 제21권11호
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• pp.207-215
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• 2021

The aim of the article is to study the role of informal institutions in the development of the financial services market. The study outlines the concepts of scholars to identify the main types of informal institutions. The mechanism of research of influence of the informal factor on functioning of economic object is developed. The main types of informal institutions are systematized. The main informal institutions influencing the development of the financial services market are considered. The application of a synergetic approach to the consideration of the impact of the institution of trust on the financial services market is proposed.

• The Journal of Asian Finance, Economics and Business
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• 제8권2호
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• pp.923-931
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• 2021

The aim of the present study is to analyze the financial performance of converted commercial bank from non-banking financial institution through a case study of Bangladesh Commerce Bank Limited as sample organization. It is observed that the bank is able to achieve a stable growth rate in total deposits, total loans and advances, and net income after tax during the period of 2015-2019. Researchers also calculated some ratio analysis and noticed that the financial position of Bangladesh Commerce Bank Limited was not so strong because bank's ROA, ROE, NIM and other ratios were below standard. Researchers used secondary data that were examined by using descriptive statistical tools and panel data regression model. Result shows that Bangladesh Commerce Bank has satisfactory operating efficiency, assets management efficiency, and gives loans to customers. In addition, the present study has tested some hypotheses regarding net income after tax, ROA and ROE with total assets, total loans, total deposits and interest income. These hypotheses have been accepted, which means there is no significant influence of the independent variable on the dependent variable. The study suggests that Bangladesh Commerce Bank Limited had the opportunities to make their financial position stronger by utilizing their good financial position and management efficiencies.