• 한국인터넷방송통신학회논문지
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• 제15권6호
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• pp.25-30
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• 2015

금융기관 보안의 가장 큰 화두는 정보에 대한 유출이다. 시중 대형 은행을 비롯한 금융기관에서도 각종 해킹과 취약점을 통하여 빈번이 유출하려는 시도를 받고 있고, 이 정보의 중심은 금융기관이 보유하고 있는 고객의 개인정보 이다. 금융기관의 보안 담당자들이 개인정보 유출 방지를 위해 다각적으로 노력하고 있으나 실상은 어떤 개인정보가 어디에 있는지도 모르는 경우가 많음을 이번 논문을 준비하며 더욱 확실하게 알게 되었고, 어디에 있는지 알고 있다고 추정을 하여 검색하더라도 다른 곳에서의 발견이 빈번하며, 일일이 수동으로 검색하여 인적/시간적 낭비가 많아 IT컴플라이언스 대응이 어렵다. 본 논문은 개인정보의 주요 보관소인 PC 및 Server를 주기적으로 자동화된 시스템으로 점검 관리하여 개인정보 유출 방지 및 IT컴플라이언스 대응에 효율성을 극대화 하고자 함이다.

• The Journal of Asian Finance, Economics and Business
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• 제8권1호
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• pp.247-255
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• 2021

The study aims to determine the influence of intellectual capital and education on public financial services in increasing financial inclusion. This study applied a survey technique by selecting respondents according to the purposive sampling method. The number of respondents in this study was 500 people and came from various regions in Indonesia. Data analysis was performed using Structural Equation Modeling (SEM) techniques. The results indicate that intellectual capital has a positive effect on financial inclusion. Conversely, education about public financial services has no influence in increasing financial inclusion. The results of this study indicate that the success of financial inclusion programs in Indonesia is caused more by the role of public intellectual capital. Studies show that the public does not have the courage to be involved in banking institutions because the image of this institution tends to be inflexible in its operations. The results of this study are expected to make a real contribution, especially for the government and banks, that in order to achieve the success of the financial inclusion program in Indonesia; the related parties should educate the public directly to citizens who have not been reached by banking services continuously and with a more down to earth approach.

• 아태비즈니스연구
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• 제13권3호
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• pp.227-243
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• 2022

Purpose - This study surveyed real estate financial consumers and financial company staff regarding the components of the financial consumer protection system to seek detailed improvement plans for the Financial Consumer Protection Act. Design/methodology/approach - The Analytic Hierarchy Process (AHP) technique is applied. Findings - Both consumers and staff highly evaluated the importance of the preventive measures in the main classification factors. Regarding the sub-classification factors of preventive measures, consumers emphasized the responsible management of investment staff and financial institutions; however, the staff stressed the principle of effectiveness and efficiency. Regarding the elements of ex-post remedies, consumers answered that fast remedy would have a significant effect. At the same time, staff believed that punitive measures hinder free trading and investment activities. Regarding the sub-sub classification factors of prevention measures, the consumers value responsible management of staff and financial companies, while the staff tend to prefer the importance of the self-regulatory governance. Research implications or Originality - Based on the above results, financial regulatory authorities should find a balance between preventive and ex-post components once focusing on preventative measures. Our paper is one of the first research findings in this field of financial consumer protection system in Korea.

• 재무관리연구
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• 제11권1호
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• pp.263-284
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• 1994

This study examines the monitoring effects of institutions, outside directors, and outside blockholders by seeing managers' selection of antitakeover measures. In this paper, we hypothesize that managers use antitakeover techniques to entrench themselves when they are not monitored closely. Consequently, we hypothesize that institutional ownership, outside membership on board of directors, outside directors ownership, and outside blockholder ownership are less in firms which adopt harmful antitakeover measures. This paper analyzes whether the degree of monitoring by institutions, outside directors, and outside blockholders influences managers' adoption of different types of takeover defenses. We find interesting empirical results. First, aggregate institutional ownership is positively correlated with the likelihood of antitakeover techniques adoption. This result implies that institutional investors are passive. Second, total and active blockholder owner-ship is higher at firms that do not propose any defensive tactics. passive blockholder owner-ship is highest at fair price firms but low at poison pills firms. Ownership concentration by outside investors increases monitoring and reduces agency problems. Thirid, outside board monitoring is ineffective.

• 정보보호학회논문지
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• 제24권4호
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• pp.669-679
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• 2014

본 연구에서는 스마트금융 서비스를 위한 서버 측 보안 프레임워크를 제안한다. 국내 금융기관의 전자금융서비스를 제공하는 서버 측 프레임워크 구조를 살펴보면 대부분 서비스제공위주의 구조를 가지고 있다. 따라서, 보안관련 요구사항들은 비즈니스 로직들에 같이 포함되어 있는 경우가 대부분이기 때문에 보안 사고에 효과적으로 대응하기 어렵다. 본 논문에서는 전자금융서비스시 보안영역을 비즈니스영역과 분리하여 업무에 대한 의존도(Dependency) 없이 보안 정책을 실시간으로 적용할 수 있는 프레임워크를 제안한다. 이를 통하여 보안관련 위협에 대한 신속하고 효과적인 대응기반을 제시한다. 또한 현재 서비스하고 있는 시스템구조에서도 시스템의 큰 변경없이 제안 프레임워크를 적용할 수 있는 방안을 제시한다.

• 보건의료산업학회지
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• 제13권3호
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• pp.1-12
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• 2019

Objectives: The purpose of this study was to provide hospital management diagnosis status and basic data required for the future development of hospital management diagnosis program. Methods: We conducted a questionnaire survey on administrative staff of manager level or over of medical institutions in B metropolitan city. Results: As a result of analyzing the relative influence of the needs by hospital management diagnosis indicator, the effect of financial analysis indicator, patient treatment record indicator and medical revenues indicator were high in the medical institutions with number of beds of 100 beds or over and general hospital level or over both on a hospital level and on an individual level. Conclusions: Since the existing laws or systems are centered on large major hospitals, the management environment is very unfavorable for small and medium hospitals as can be seen from the results of this study. Therefore, the government should improve the transparency and rationality of the hospital management environment in Korea through regulation and system reforms that can be applied to all medical institutions.

• The Journal of Asian Finance, Economics and Business
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• 제8권4호
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• pp.549-561
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• 2021

This study aims to identify the role of organizational behavior and intellectual capital on risk management implementation and Village Credit Institutions (called LPD) performance. The LPD population is 1,256 units spread across nine districts/cities in Bali. This research was conducted at the LPD as the only microfinance institution based on local wisdom in traditional villages in Bali Province, Indonesia. Based on sampling using the Slovin method, there were 139 LPD as sampled in this study. The respondent in this study was the Head of the LPD. LPD performance measurement is using the balanced scorecard method that combines financial and non-financial aspects. This study also investigates risk management's role as a mediator in the relationship between organizational behavior and intellectual capital on the LPD performance. Methods of data collection using a survey. The questionnaire was given to 139 LPD chairman who was respondents in this survey. The data analysis technique used SEM-PLS. This study succeeded in confirming Resource-Based View Theory that organizational behavior and intellectual capital affect risk management and organization performance. These results also prove risk management's role as a mediation for the relationship between organizational behavior and intellectual capital on organizational performance.

• 경영과학
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• 제28권3호
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• pp.73-82
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• 2011

Basel II advanced measurement approaches for operational risk need to estimate the frequency and severity distribution of operational losses. Due to lack of internal loss data, the estimation is impossible in many cases and so external loss data might be used by scaling on asset or gross income. To get around lack of loss data, scenario analysis combined with loss distribution approach can be useful in calculating the capital charge of operational risk. However, scenario based loss distribution approach requires much time and effort. Instead we may apply the analytic hierarchy process to measure operational risk of financial institutions. The analytic hierarchy process combined with loss distribution approach is to estimate the capital charge of operational risk in other areas based on the operational VaR in an area with sufficient loss data. AHP provides a tool for timely measurement of operational risk in this rapidly changing global environment.

• 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.

• 한국경영과학회:학술대회논문집
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• 한국경영과학회 1996년도 추계학술대회발표논문집; 고려대학교, 서울; 26 Oct. 1996
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• pp.235-238
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• 1996

In recently, the influence of client-server systems on organizations and how to estimates the efficiency or productivity of organizations and departments has come to be more concerned by many researchers. Especially, information systems(IS) of the financial institutions are greatly used than any other industries. Therefore, the efficiency of IS departments in financial institutions is relatively important. The overall objectives of this research are to estimate the effects of client-server systems and to evaluate whether the client-serve systems really improve the efficiency of information system. The research method used in this research is DEA(Data Envelopment Analysis) estimation method which based on linear programming is used for the efficiency of managerial organizations and other nonprofit organizations. The results of this research showed that the efficiency of IS department was promoted after implementation of client-server systems.