• 중소기업융합학회논문지
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• 제5권3호
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• pp.1-7
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• 2015

최근 국내외 금융사고가 증가하면서 핀테크와 관련된 금융 기술이 대두되고 있다. 현재 금융기관에서 운용하고 있는 보안 기술들은 새롭게 나타나고 있는 보안 공격에는 취약한 것으로 보고되고 있다. 본 논문에서는 인증방식의 다양화와 생체인식 정보의 활용 등에서 핀테크 금융 기술을 이용하는 보안 사고 대응 방법에 대해서 제안한다. 제안 방법은 개인 자산관리, 크라우드 펀딩(crowd funding) 등의 IT 기술을 금융기술에 접목하여 사용자들에게 편리한 금융 서비스를 제공한다. 또한, 제안 방법은 PCI-DSS, 토큰화 기술, FDS, 블록체인 등의 보안 기술들을 적용하여 편의성과 함께 보안성을 제공하고 있다. 제안 방법은 펜테크 금융 기술과 관련하여 다양한 보안 사례를 분석하고 대응방안에 대해서 기술하고 있다.

• 정보보호학회논문지
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• 제24권6호
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• pp.1293-1308
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• 2014

2014년 카드사 개인정보유출 사고의 원인은 테스트시스템에서 원본 데이터가 사용되었기 때문이다. 금융감독원 전자금융감독규정과 금융회사 정보기술(IT)부문의 정보보호업무 모범규준에는 테스트시스템에서 고객을 식별하는 정보는 변환하여 사용하도록 규정하고 있다. 금융회사는 이 지침에 따라 고객식별정보를 변환한 데이터를 테스트시스템에 적재하여 사용한다. 하지만, 테스트 과정에서의 사용자 실수 또는 기술적, 관리적 보안의 미비 등으로 의도치 않게 실제 개인식별정보가 유입될 수 있으나, 이를 통제 및 관리하는 프로세스는 현재 연구된 바가 없고, 감독기관의 컴플라이언스 위반 가능성을 높이는 원인이 되고 있다. 본 논문에서는 이러한 테스트시스템의 변환 미확인 고객식별정보를 관리 및 통제함으로써 감독기관의 컴플라이언스 위반 가능성을 없애는 프로세스를 제시 및 실증하고, 그 효과성을 확인해 본다.

• 융합보안논문지
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• 제16권5호
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• pp.57-63
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• 2016

최근 국내 외 핀테크 관련 산업분야에 대한 많은 관심과 함께 다양한 서비스들이 새로이 등장하고 있으며, 해킹 공격으로부터의 안전을 보장하기 위해, 새롭고 다양한 기술들이 개발되고 있다. 대표적인 기술로는 금융관련 분야에 적용을 고려하고 있는 바이오 인증이 있다. 바이오 인증은 생체의 일부 정보를 인증수단으로 하고 있어, 위 변조공격으로부터 안전하고 공유 및 저장에 대한 위협들에 대응할 수 있다고 알려져 있다. 그러나 최근 미국 인사관리처(Office of Personnel Management, OPM)의 생체정보(560만 건) 유출사례와 지문위조기술의 등장을 살펴볼 때, 바이오 인증의 안전성을 재고해보아야 하는 상황임을 알 수 있다. 특히, 이미 유출된 생체정보의 도용문제에 대해서 대응방안이 함께 마련되어야 할 것이다. 따라서 본 논문은 여러 산업분야에서의 생체인증기술들과 적용 사례, 취약요인들을 조사해 봄으로써, 향후, 생체인증기술 적용에 따른 침해대응 방안 마련에 활용될 것으로 기대한다.

• 대한안전경영과학회지
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• 제14권1호
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• pp.189-200
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• 2012

Many companies have endeavored to build a quality cost management system in order to be more productive business organization. This study shows the detail procedures of constructing a quality cost management system which is believed to be appropriate for their business system. That is, the method to calculate the quality cost and the linking logic between the quality improvement and its financial impact are explained based on a particular industry case. In this sense, the changes of business performance measures such as market share, customer satisfaction, etc. were analyzed in the longitudinal perspective for the consecutive 4 years (2003~2006). As the quantitative results of this study, the improvement activities based on the quality cost management system resulted in the 32% reduction of quality cost and the 121% increase of business profit, compared 2005 with 2006. In the qualitative perspective, the successive practice of quality cost reduction and the job information sharing in business unit were obtained by providing the best practices and bench-marking cases. Finally, the customer satisfaction has increased so that the customer-friendly management system has been accomplished. With these efforts, the 3.4% increase of the market share and the 3% increase of the customer satisfaction were obtained in 2005. As the future study, the current study can be extended to the concept of COPQ (cost of poor quality) which focuses on the hidden quality cost of the whole business activities. Such extension of analysis will help us understand the wider role of a quality cost management system in the business.

• 한국중재학회지:중재연구
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• 제34권1호
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• pp.75-101
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• 2024

"ESG management" guides companies to prioritize corporate social responsibility and sustainable development as key management objectives, going beyond mere financial performance pursuits. This approach involves creating a sustainable and robust supply chain by urging companies, acting as 'supply chain managers', to implement ESG management practices alongside their 'supply chain partners'. The domestic business community has been quick to respond to this trend, recognizing that failure to adhere to ESG standards set by organizations such as the EU and SEC could lead to severe repercussions, including exclusion from international trade and reputational damage. POSCO and NAVER, two leading Korean companies, are at the forefront of practicing ESG management effectively. They have both produced and publicly disclosed ESG management reports, showcasing their success in enhancing supply chain ESG management. However, as supply chain managers enforce ESG-related obligations on their suppliers, the likelihood of disputes between the parties may increase. In scenarios where supply chain ESG management leads to conflicts between supply chain managers and suppliers, commercial arbitration emerges as a viable solution for dispute resolution. This method offers several advantages, including the arbitrators' expertise, time and cost efficiency, the binding nature of decisions akin to a court's final judgment, international recognition under the New York Convention, confidentiality, and ample opportunity for parties to be heard. Our analysis focuses on the emerging disputes between supply chain managers and suppliers within the context of supply chain ESG management, particularly examining the cases of POSCO and NAVER. By categorizing the expected types of disputes and assessing the appropriateness of commercial arbitration for their resolution, we highlight the effectiveness of this approach. Furthermore, we propose leveraging the Korean Commercial Arbitration Board's role to enhance the use of arbitration in resolving supply chain ESG disputes, underscoring its potential as a strategic tool for maintaining sustainable and harmonious supply chain relationships.

• The Journal of Asian Finance, Economics and Business
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• 제5권2호
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• pp.35-42
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• 2018

In recent decades, financial crises in various countries have often been preceded by the rise in non-performing loans (NPLs) in the banks' asset portfolios. The increase in NPLs is proven to have adverse impact on the banking sector so that understanding the determinant of NPLs is immensely crucial to ensure the efficiency and soundness of the overall economy. This study aims to shed light on bank-specific factors that affect loan default problems in developing countries whose banking sectors play a major role in the overall economy. This study analyzes panel data sets of 36 commercial banks listed in the Indonesian Stock Exchange during the period 2008-2015. Applying fixed-effects panel regression model reveals that Indonesian banks' profitability and credit growth negatively influence the number of NPLs. Moreover, banks with higher profitability are proven to have lower NPLs because they can afford adequate credit management practices. Likewise, banks with higher credit growth evidently have lower NPLs in the sense that they demonstrate more specialized lending activity and thus have better credit management systems. These findings imply that, in order to lower loan defaults that can deteriorate banks' asset quality, banks should maintain their level of profitability and increase, rather than decrease, their credit supply to debtors.

• 대한영양사협회학술지
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• 제8권3호
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• pp.318-327
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• 2002

The purposes of this study were to: a) examine charateristics of foodservice manaegment practices; b) investigate characteristics of recipients; c) analyze foodservice systems; and d) provide feedback for the efficient and effective foodservice management of welfare institutions for the homeless in Korea. A total of 27 sites was analyzed by questionnaire survey. Satatistical data analysis was completed using the SPSS package program for descriptive analysis. As results of site recipients' characteristics, 69% of total sites were males and 31% were female recipients. Average 60% of recipients were from 30 to 50 years old. Major diseases of recipients were high pressure, and obesity. According to the result of foodservice system analysis, the average meal cost per day was about 2,943 won and average food cost percentage was 29%. Average number of meals per day was about 600 meals. Mostl sites had one dietitian and 48.1% of sites had one cook as a full-time employee. In the part of procurement, dietitians were major chargers of sites for purchasing foods. Major purchasing method was the order and delivery contract. About a half of sites used cycle menu system and standardized recipies. Most of sites had recipients' survey systems for evaluating meal satisfaction. Dietitians at sites had problems on lack of cooking professionals and low meal cost budget for providing higher quality of foods to cure recipients. The results suggested that financial and systematical supports by the government would be very necessary to meet the goal of nutritional balanced meal services.

• 가족자원경영과 정책
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• 제16권4호
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• pp.93-109
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• 2012

Many leading companies provide family-friendly policies for a good work-family balance and to increase the productivity of their workers. The workers receive such benefits as family leaves or financial support for caring for their dependents. But the employees need much more support than these benefits to properly care for their families. This study examines the role of the companies in the expansion of family-friendly policies to the community. A few companies see community relations-such as investing in community programs-as linked to work-family policies. Accordingly, this study suggests the best practices and alternatives of many companies. This study also examines the role and perspectives of the Family-Friendly Support Center as an organization that can lead the community involvement of the business. This center can promote the company's collaboration and network of stakeholders.

• 한국수자원학회:학술대회논문집
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• 한국수자원학회 2017년도 학술발표회
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• pp.182-182
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• 2017

Many small island nations rely on groundwater as their only other source of freshwater in addition to rainwater harvesting. The volume of groundwater resource of small island nations are further limited by their smaller surface area and specific hydrogeology. The rapid growth of population and tourism has led to increasing water demands and pollution of available groundwater resources. The predicted climate change effects pose significant threats to the already vulnerable freshwater lens of small islands in the form of rise in sea level, coastal inundation, saltwater intrusion, varied pattern of precipitation leading to droughts and storm surges. The effects of climate change are further aggravated by manmade stresses like increased pumping. Thus small island water resources are highly threatened under the effects of climate change. But due to the limited technical and financial capacity most of the small island developing states were unable to conduct detailed technical investigations on the effects of climate change on their water resources. In this study, we investigate how well small island countries are preparing for climate change. The current state of freshwater resources, impacts of predicted climate change along with adaptation and management strategies planned and implemented by small island countries are reviewed. Proper assessment and management practices can aid in sustaining the groundwater resources of small islands under climate change.

• 융합경영연구
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• 제4권4호
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• pp.1-16
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• 2016

In today's knowledge-based economy, measurement and disclosure (M&D) of intellectual capital (IC) are crucial for enhancing business performance and competitiveness. In the global world, M&D of IC are useful means to keep investors well-informed and reduce information asymmetry. At present, very few leading corporations in India have disclosed IC information on a 'voluntary' basis. Traditional accounting practices, therefore, will need to assimilate innovations that seek to meaningfully represent the 'true-value' of the intangible assets of the company. This is an exploratory study of IC M&D by 8 Indian companies over 5-year period, using 'content' analysis and market-value-added (MVA) as research methodologies. The annual reports of companies were collected from their respective websites. As part of present study, various statistical techniques have been used to analyze the data. The findings show that the sample companies, on an average, reported a positive value of IC, along with wide-disparity, low-level of ICD. Unfortunately, the omission of IC information may adversely influence the quality of decisions made by shareholders, or lead to material misstatements. Finally, we recommend to "the international accounting bodies, to take the lead by establishing a harmonized ICD standard, and provide guidance to the big listed-companies for proper measurement and disclosure of IC, both for internal and external users."