• 보건행정학회지
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• 제12권3호
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• pp.54-76
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• 2002

This study investigated how much EVA which evaluate firm's value can explain hospital bankruptcy prediction as a explanatory variable including financial indicators in Korea. In this study, artificial neural network and logit regression which are traditional statistical were used as the model for bankruptcy prediction. Data used in this study were financial and economic value added indicators of 34 bankrupt and -:4 non-bankrupt hospitals from the Database of Korean Health Industry Development Institute. The main results of this study were as follows: First, there was a significant difference between the financial variable model including EVA and the financial variable model excluding EVA in pre-bankruptcy analysis. Second, EVA could forecast bankruptcy hospitals up to 83% by the logistic analysis. Third, the EVA model outperformed the financial model in terms of the predictive power of hospital bankruptcy. Fourth, The predictive power of neural network model of hospital bankruptcy was more powerful than the legit model. After all the result of this study will be useful to future study on EVA to evaluate bankruptcy hospitals forecast.

• 산업진흥연구
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• 제8권2호
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• pp.21-27
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• 2023

본 연구는 인공지능에 대한 정부와 금융권의 정책 및 활용 사례를 연구하고, 금융권의 향후 정책 과제를 도출 하고자 한다. Gartner에 따르면 2022년 금융업을 이끌어가는 주목할 기술로 '생성형 AI', '자율시스템', '프라이버스 강화 컴퓨테이션(PEC)'을 선정하였다. 금융권은 인공지능, 빅데이터, 블록체인 등 신기술의 발전으로 금융 부분의 혁신을 촉진하고 있다. 코로나 팬데믹 이후 재택근무의 확산 등으로 인한 데이터의 공유, 개인정보 보호 등의 관심이 높아지면서 디지털 신기술에 대한 기업의 변화가 기대된다. 글로벌 금융권 회사들도 디지털 신기술을 활용하여 상품 개발이나 기존 업무의 관리 및 운영에 대한 프로세스 혁신을 도모하고자 IT 비용에 대한 지출을 확대하고 있다. 금융권은 디지털 신기술을 활용하여 자금세탁 방지, 업무 효율성 제고, 개인정보 보호 강화 등의 업무에 적용하고 있다. 산업 간 경계가 사라지는 빅블러의 시대에 새로운 진입자들의 도전에서 경쟁 우위를 선점하기 위해서는 금융권들이 신기술을 업무에 적극 활용해야 한다.

• The Journal of Asian Finance, Economics and Business
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• 제7권10호
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• pp.35-42
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• 2020

This study aims to investigate the relationship between the variables of Current Ratio (CR), Return-on-Equity (ROE), Return-on-Assets (ROA), Debt-to-Equity Ratio (DER), and Firm Size (FS) on Dividend Policy (DP) in real estate and property companies listed on the Indonesia Stock Exchange in the period 2016-2019, looking at nine real estate companies in Indonesia. The research methodology uses an explanatory analysis approach and linear regression. Based on the eligibility and homogeneity of the data, the number of sample companies selected was nine companies. The company's financial statement data derived from primary data obtained on the Indonesia Stock Exchange, such as current ratio (CR), return-on-equity (ROE), return-on-assets (ROA), debt-to-equity ratio (DER) and firm size and dividend policy variables. The data analysis procedure is first to transform financial data from the original ratio data into interval data and, then, transform it to ordinal data. Furthermore, the validity and reliability process are ignored because the data is primary. Finally, regression testing is part of the hypothesis testing stage. The results of this study showed that the CR, ROE, and firm size had no positive and significant effect on dividend policy. In contrast, DER and ROA have a positive and significant impact on dividend policy.

• 아동학회지
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• 제31권1호
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• pp.197-217
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• 2010

This study investigated the performance of the child care policies implemented by the former government and analyzes some changes in child care policies by the new government in Korea. The criteria for evaluating child care policies of both governments were based on suggestions gleaned from OECD policy review papers on Early Childhood Education and Care (ECEC) in 2004 and 2006. As suggested by the OECD, the input of financial investment in public sectors, universal approaches to child care, measures of quality programs, efforts for improving the work environment of child care workers and selecting effective ways of providing financial support for child care were applied in order to evaluate the child care policies in Korea. A number of policy documents and literature published by both governments from 2003-2009 were reviewed in order to evaluate and compare the former child care policies with the more recent ones. The child care policies enacted by the former Korean government were characterized as the remarkable increases in financial investment to establish a child care infrastructure for quality programs and services, and efforts to enact universal approaches to child care, policy making based on scientific data on child care. These advances were tempered by the observation that despite all these improvements, both investment and expansion in the public child care sector were far below sufficient levels. In contrast, some changes in the child care policies by the new government were criticized in terms of weakening public child care, reinforcing private child care and it's conservative financial support system.

• 정보보호학회논문지
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• 제29권5호
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• pp.1205-1219
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• 2019

데이터 기반 경제시대에서 데이터 활용능력이 경쟁력이 됨에 따라 개인정보의 보호와 더불어 개인정보의 활용을 통한 경제적 부가가치를 창출하려는 노력이 함께 강조되고 있다. 이 가운데 등장한 EU의 PSD2(the second Payment Service Directive)는 정보 주체의 '정보이동권'을 근거로 개인의 자기결정권을 보장하면서 데이터의 활용과 유통을 촉진하는 마이데이터 정책으로 전 세계 오픈뱅킹 정책의 시초가 되고 있다. 이러한 추세에 따라 우리나라 정부도 국내 금융업권별 실정을 반영하여 마이데이터 정책을 적극적으로 추진하고 있다. 하지만, 마이데이터 정책으로 인해 금융정보의 유통 및 활용 범위가 커진 만큼 개인정보의 유출 및 오남용, 해킹 등 위험도 커진 것도 사실이다. 본 연구에서는 EU PSD2가 어떻게 국내 금융분야 마이데이터 정책에 반영되어 추진되고 있는지를 살펴본다. 그리고 국내 마이데이터 정책의 개인정보보호 위험 사항을 개인정보 생명 주기별로 나누어 식별한 후 이러한 위험에 대한 법적 기술적 대응책을 제시하고자 한다.

• 벤처창업연구
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• 제14권2호
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• pp.181-190
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• 2019

본 연구는 주택선택 속성과 정부정책이 주택 구매행동에 미치는 영향력을 통해서 주택시장에 대한 이해를 돕고자 한다. 이를 위한 분석의 주요 쟁점은 다양한 유형의 주택선택 속성과 정부정책간에 부동산 투자전망의 조절효과를 고려하는 것이다. 연구결과는 다음과 같다. 첫째, 주택선택 속성 중 편의성, 교육입지, 이웃수준은 주택구매의도에 유의미한 영향을 미치는 것으로 나타났다. 둘째, 정부정책은 주택구매의도에 유의미한 영향력이 없었다. 셋째, 부동산 투자전망의 조절효과는 선택속성 중 이웃수준과 상호작용 변수가 주택구매의도에 정적인 영향을 미치는 것으로 나타났다. 본 연구결과 정부의 금융정책은 주택구매 의사결정에 영향을 미치지 않음으로서, 현실적으로 과도한 규제는 처음 주택 구매자에게 주거복지의 질을 떨어뜨릴 수 있다. 또한 소비자 선호도의 동기에 대한 이해를 통해서 주택시장에서의 실제 수요 변화를 적절히 기술하고 설명 할 수 있다.

• 재무관리논총
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• 제2권1호
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• pp.375-391
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• 1995

• 수산경영론집
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• 제33권2호
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• pp.1-29
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• 2002

The main objective of this research aims at analyzing efficiency of government financial transfers(GFTs) to the Korean fisheries sector, using the Linear Structural Relations model(i.e., LISERL model) and the field survey data. Most policies of GFTs tend to be implemented to protect industries with weak competitive advantages such as infant and/or primary industries. Specific policy instruments include income transfers, government loans with lower interest rates, taxes and the like. Fishing activities are made at a highly changeable natural environment of the ocean with a great amount of risk and uncertainty. Fishing households make their livelihood under the small-scale fisheries. Such fisheries and fishing households have also a relatively weak market power. Because of these fisheries characteristics most coastal states have adopted a variety of government support programs. However, despite such a huge government support, during the past several decades the world fishing communities have seen a tendency of continuous fishereis resource overexploitation. For this resason there have been hot debates over the government support policies for fisheries through OECD, FAO, WTO, and UNEP. In general, policy evaluations tend to be made on the basis of benefit-cost(B/C) analysis. However, the B/C analysis may produce results quite different from real ones primarily due to many unmeasurable effects. Thus, the authors composed simple questionaires and let fishermen, government officials and academic people answer the questions. The survery was made in several ways such as post-mail and personal/group interviews. In recent years, for analysis of policy performances and effectiveness, the LISREL model has often been used, which consists of structural and measurement eqquations. This model has a good advantage of transforming unobservable variables to observable ones so that it helps construct endogenous cause and effect relationships among relevant variables. The evaluation was done from the two aspects: policy results and policy effectiveness. The policy result evaluation showed that there is a need for improvement for policy problem perception and decision-making process, while the policy effect evaluation suggested that the policy goals were successfully achieved and social justice was improved from the perspective of the entire society as well. However, the research results showed that the GFT policies rendered little contrubtion to narrowing down the gap between GFT beneficiaries and non-beneficiaries incomes.

• International Journal of Computer Science & Network Security
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• 제21권11호
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• pp.43-48
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• 2021

The article proposes a method of modeling a comprehensive indicator for evaluating the effectiveness of regional management of innovation activity. This will make it possible to assess the effectiveness of personnel, financial and credit and foreign economic activity of the regions from the standpoint of an integrated approach. The modeling technique is proposed to be carried out using the tools of taxonomic analysis and the calculation of a complex indicator of the effectiveness of the innovation activity management.

• Asian Journal of Innovation and Policy
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• 제12권2호
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• pp.268-276
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• 2023

As the climate crisis intensifies, the need to improve the climate resilience of developing countries is ever increasing. Hence, the international community is seeking ways to effectively conduct climate technology transfer by linking the projects with financial mechanisms. However, commercialization of climate technology in developing countries is no easy feat as comprehensive knowledge on the target country is a prerequisite for seeking a suitable technology-financial linkage measure. Hence, in-depth discussions on effective climate technology and financial linkage measures have become an important global agenda, and South Korea, as a country with long experience in climate technology transfer, and a strong ecosystem for public climate technology, should step forward to take up a leading role. Against this backdrop, this paper proposes strategies and implementation measures for linking funds from the Multilateral Development Banks (MDB) with Korea's Public Climate Technology (PCT) by examining several key areas of R&D, international cooperation, and technology commercialization.