• 제목/요약/키워드: Financial Professionals

검색결과 120건 처리시간 0.027초

Fraud Scenario Prevalent in the Banking Sector: Experience of a Developing Country

  • Bhasin, Madan Lal
    • 동아시아경상학회지
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    • 제4권4호
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    • pp.8-20
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    • 2016
  • Banks are the engines that drive the operations in financial sector, money markets and growth of economy. With growing banking industry in India, frauds in Banks are increasing and fraudsters are becoming more sophisticated and ingenious. Shockingly, banking industry in India dubs rising fraud as "an inevitable cost of doing business." As part of study, a questionnaire-based survey was conducted in 2012-13 among 345 Bank employees "to know their perception towards bank frauds and evaluate factors that influence the degree of their compliance level." The study reveals, "there are poor employment practices and lack of effective employee training; usually over-burdened staff, weak internal control systems, and low compliance levels on the part of Bank Managers, Offices and Clerks. Although banks cannot be 100% secure against unknown threats, a certain level of preparedness can go a long way in countering fraud risk. Internal audit professionals should play an integral role in organization's fraud-fighting efforts. Some other promising steps are: educate customers about fraud prevention, make application of laws more stringent, leverage the power of data analysis technologies, follow fraud mitigation best practices, and employ multipoint scrutiny.

Global Gold Decoupling from the Dollar and Its implications

  • Chae, Dae-Seok;Hur, Hyung-Doh
    • 통상정보연구
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    • 제8권1호
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    • pp.371-398
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    • 2006
  • Gold prices are rising around the world in all major currencies. This is a telltale sign of a Stage Two gold bull where gold decouples from the US dollar. In this study, We analysed a confluence of factors seem to be feeding gold's gains and the typical shape of a secular gold bull---gold bulls' three stages. Stages one, two, and three of a secular gold bull are defined by the major changes. Each stage, considered in turn, makes perfect sense when described in terms of global investor demand. Since Stage One is currency-devaluation driven, the young gold bull is most noticeable in terms of the dominant eroding currency. Now after three or four years of stage one, Stage Two arrives. Stage Two marks a momentous event when gold decouples from the local-currency devaluation. In the case of our gold bull today, Stage Two will be here when gold starts consistently rising faster than the dollar is able to fall. After five or so years of Stage Two gains, gold has a chance at going ballistic in stage three. Stage Three is only ignited if the general public around the world starts growing enamored with gold investing. In summary, the first stage being when insiders and professionals invest in the market. The second stage is when the general public and financial media recognizes that the bull market is real. The third stage is the mania stage when people feel that not only is the bull market real, but it is a must own situation. Through the study we found that gold is entering it now.

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결혼이민자 어머니의 임신, 출산 및 영유아 양육 경험 (Foreign Immigrant Mothers' Experiences of Pregnancy, Childbirth, and Child Rearing)

  • 방경숙;허보윤
    • 부모자녀건강학회지
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    • 제14권1호
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    • pp.36-44
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    • 2011
  • Purpose: This study was conducted to explore foreign immigrant mothers' experiences of pregnancy, childbirth, and child rearing. Methods: Ten married female migrants were selected by a purposive and snowball sampling method. Data were collected during the period from September to November, 2009 by individual in-depth interviews and all interviews were audio-taped and transcribed verbatim. Results: Ten categories were induced: In pregnancy and childbirth domain, social support-request help to their own parents, social support-depending on husband and mother's in law, Enduring emesis-gravidarum in strange environment were extracted. In Chid-rearing domain, child-rearing overburden, lack of self-confidence on maternal role, child-rearing difficulties due to language barrier, lack of information and education on child-rearing, lack of accessibility to public health care services, expectation of child's assimilation in Korea, financial strain in child-rearing. Conclusion: This study provides basic knowledge regarding married female migrants' experiences related to pregnancy, childbirth, and child rearing. The findings of the study will help health professionals designing effective interventions for married female migrants with difficulties related to child care, parenting, rearing.

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The Effect of Banking Industry Development on Economic Growth: An Empirical Study in Jordan

  • ALMAHADIN, Hamed Ahmad;AL-GASAYMEH, Anwar;ALRAWASHDEH, Najed;ABU SIAM, Yousef
    • The Journal of Asian Finance, Economics and Business
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    • 제8권5호
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    • pp.325-334
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    • 2021
  • This study aims to investigate whether economic growth is elevated by banking industry development in Jordan. The study adopts time-series econometric methodologies, which comprise the bounds testing approach within the autoregressive distributed lag (ARDL) and the conditional causality analysis. Consistent with the assumptions of the adopted methodology, the study utilized annual time-series data for a relatively long period of thirty-nine years, between 1980 and 2018. The empirical results show that Jordan's economic growth is strongly responsive in respect to any changes in banking industry development. Also, the results reveal the harmful impact of rising lending interest rate; as this rate increases, economic growth will decrease. The findings are in line with the conceptual arguments of the supply-leading hypothesis, which confirmed that banking development is considered as one of the main pillars that have stimulating effects on economic growth. The evidence of the current study may provide important implications for policymakers and bankers. Those professionals should work to maintain a stable regulatory system that enhances the banking system function in activating economic growth. Also, a considerable focus should be placed on designing a steady interest rate policy to avoid the inherently undesirable impacts of high-interest rates on the Jordanian economy.

Perceptions regarding the multidisciplinary treatment of patients with severe trauma in Korea: a survey of trauma specialists

  • Shin Ae Lee;Yeon Jin Joo;Ye Rim Chang
    • Journal of Trauma and Injury
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    • 제36권4호
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    • pp.322-328
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    • 2023
  • Purpose: Patients with multiple trauma necessitate assistance from a wide range of departments and professions for their successful reintegration into society. Historically, the primary focus of trauma treatment in Korea has been on reducing mortality rates. This study was conducted with the objective of evaluating the current state of multidisciplinary treatment for patients with severe trauma in Korea. Based on the insights of trauma specialists (i.e., medical professionals), we aim to suggest potential improvements. Methods: An online questionnaire was conducted among 871 surgical specialists who were members of the Korean Society of Traumatology. The questionnaire covered participant demographics, current multidisciplinary practices, perceived challenges in collaboration with rehabilitation, psychiatry, and anesthesiology departments, and the perceived necessity for multidisciplinary treatment. Results: Out of the 41 hospitals with which participants were affiliated, only nine conducted multidisciplinary meetings or rounds with nonsurgical departments. The process of transferring patients to rehabilitation facilities was not widespread, and delays in these transfers were frequently observed. Financial constraints were identified by the respondents as a significant barrier to multidisciplinary collaboration. Despite these hurdles, the majority of respondents acknowledged the importance of multidisciplinary treatment, especially in relation to rehabilitation, psychiatry, and anesthesiology involvement. Conclusions: This survey showed that medical staff specializing in trauma care perceive several issues stemming from the absence of a multidisciplinary system for patient-centered care in Korea. There is a need to develop an effective multidisciplinary treatment system to facilitate the recovery of trauma patients.

The Key Historical Factors of Small and Medium-Sized Enterprises (SMEs) for Economic Growth in the Republic of Korea

  • Eungoo KANG
    • 한류연구
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    • 제2권2호
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    • pp.9-17
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    • 2023
  • The primary objectives of this study is to examine and identify the historical factors that have significantly contributed to the growth/ expansion and prosperity of SMEs in the Republic of Korea and to evaluate and assess the impact of historical factors on the economic progress/ development, innovation, and job creation within SMEs in South Korea. To achieve the purpose of the current study, the present author has investigated the comprehensive literature investigation and figured out a total of four Key historical factors of SMEs for Economic Growth in the Republic of Korea, such as (1) Government Policies, (2) Technological Advancements, (3) Access to Finance, (4) International Trade. In conclusion, this study has undertaken a thorough investigation into the four critical historical factors that have significantly affected the development and achievements of SMEs in the Republic of Korea. By addressing a notable gap in current scholarly work, this study not only adds to the existing pool of knowledge but also provides valuable insights for various stakeholders. Practitioners/ professionals should proactively participate in government support initiatives/ programs and financial aid. SMEs can benefit from monetary incentives and donations/ grants intended to stimulate research and development, creativity, and international trade ventures.

노인그룹홈의 운영과 생활환경에 관한 연구 -전주시와 광주시를 중심으로- (A Study on the Management and Living Environment of the Group-homes for the Elderly -Focusing on Jeonju and Kwangju-)

  • 안경온
    • 한국생활과학회지
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    • 제18권4호
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    • pp.841-855
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    • 2009
  • The main objective of this study is to examine the situations of group-homes for the elderly and clarify the problems of them. This study investigates the present conditions of welfare facilities and supply conditions. 4 group-homes were surveyed in Jeonju and Kwangju cities. Data was collected through various ways including the survey conducted by facility operators, the measurement of living space, and photo-takings. The major results of this study are as follows: 1) With the introduction of nursing care insurance in 2008, the increase of the demand and supply to group-home will be expected, due to less cost for recuperation. The care of elderly in homelike atmosphere is effective to the elderly suffering from dementia. Therefore, it is proper that the supply of group-homes for dementia will be needed. 2) Group-homes for the elderly are being supplied under the standards of welfare facilities in the present. Separate supply standards, however, are needed because they are not suitable for small scale group-homes. 3) To supply Group-homes for the elderly on a one-unit basis would cause various problems such as economical unreality, personnel distribution and so on. It is necessary to supply more than two units for more efficient management. 4) The management of group-homes for the elderly is financially unstable because the operating funds heavily depend on the users or people who are connected with the facilities through private networks. Therefore, additional support is needed to settle the financial problem. It would be helpful to build the public networking that provides information about the group-home for the elderly for the public. 5) In case of the increase in the supply of the group-home in a residential area, it could be helpful to promote the group-home to the public. 6) The operators state that the main problems of group homes for the elderly lie in financial difficulties and the shortage of professionals and volunteers. The financial, personnel, and material support for personnel and the supervision of management are required for the transparency and effectiveness of the facility management. In addition, the closer network and cooperation system with the community is required. 7) The present living environments for group-homes for the elderly leave much room for improvement, considering the physical condition of the elderly. The more careful selections in the color, shape, material, and equipment of the facilities should be made for the convenience of the elderly users.

국내 항공운송산업의 현황 및 지속발전을 위한 정책제언 (Present Status of Domestic Air Transport Industry and Policy Proposal for National Carrier's Sustainable Development)

  • 최두환;황호원
    • 항공우주정책ㆍ법학회지
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    • 제33권2호
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    • pp.3-34
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    • 2018
  • 우리나라 항공운송산업은 1948년 10월에 대한국민항공사(KNA) 설립된 이후, 올해로 민항 70년의 역사를 이어 왔다. 현재 우리나라는 9개의 국제항공운송사업 면허를 보유한 항공사가 활발하게 사업을 영위하고 있으며, 2017년 기준으로 우리나라는 항공운송 수송실적(국내+국제)이 세계 8위를 차지할 정도로 세계 항공업계에서 그 위상을 확고히 하고 있다. 본고는 현재 우리나라 항공운송산업에 대한 분석을 통해 국내 항공운송산업의 내재적 문제점과 그에 대한 정책적 내지 법적으로 보완할 사항이 무엇인지에 대해 살펴보고, 향후 우리나라가 글로벌 항공 강국으로 지속 발전할 수 있는 '항공정책 방향'을 제시하는데 그 목적이 있다. 항공관련 통계자료를 분석해보면, 우리나라 항공운송산업은 매우 높은 성장률을 보이고 있으며, 국적항공사들도 지속성장을 위한 투자를 계속하고 있다. 나아가 새로운 기업들도 시장진입을 위해 노력하고 있다. 2018년 11월 현재 4개 기업이 국제항공운송사업 면허를 신청하였고, 1개 기업이 (화물)국제항공운송사업 면허를 신청한 상태이며 국토교통부는 2019년 1분기까지 면허발급 여부를 결정할 것으로 예상된다. 이러한 상황에 대해 일부에서는 경쟁촉진을 통한 가격인하와 소비자 편익 향상을 기대하고 있으나, 반대편에서는 경쟁심화로 인한 항공사의 재무구조 악화와 안전투자 소홀을 우려하기도 한다. 현재 상황에서 우리나라 항공운송산업의 문제점을 정리하면 첫째, 저비용항공사들이 내국인 수요 유치에 집중하는 반면 외국인 수요 유치에 대한 노력이 부족하여 장기적이고 지속적인 성장의 기반이 취약하며, 둘째, 최근 몇 년간의 고도성장에 따라 조종사, 정비사와 같은 항공 전문인력의 부족과 주요공항의 슬롯이 포화상태에 이르러 지속성장의 장애가 되고 있으며, 셋째, 항공사들의 재무건전성이 체계적이고 지속적으로 관리되지 않아서 급작스런 지정학적 리스크나 글로벌 경기 침체시에는 항공사들의 재무상태가 일시에 급격이 나빠지고, 그 피해는 고스란히 소비자들에게 귀결될 위험이 있다. 국적항공사들이 지속 발전하기 위해서는 첫째, 성장기반을 세계 항공시장의 무한한 수요에 초점을 맞추고 국제경쟁력을 갖추어 나가고, 둘째, 정부에서 항공 인프라를 항공운송산업 규모에 맞게 지원하여야 하며, 셋째, 우리나라 항공운송산업의 미래를 이끌어 나갈 항공 전문인력을 체계적으로 양성하고, 넷째, 정부는 상시적으로 항공사들의 재무상태를 관리하여 소비자의 피해를 미연에 방지해야 할 것이다. 현재 항공운송산업은 극심한 경쟁이 일상화 되어 있다. 국적항공사의 지속가능한 발전을 위해서는 항공사들이 모두 치열하게 노력해야 할 뿐만 아니라, 정부의 모든 기관들도 우리 항공사들이 국제경쟁에서 이길 수 있도록 정책적으로 뒷받침 해나가야 할 것이다.

전북지역 보육시설의 시설유형에 따른 급식운영관리 실태 조사 (Assessment of Food Service Management Practices in Child Care Centers Operated by Various Types of Foundations in the Chonbuk Area of Korea)

  • 노정옥;이은파;이진숙
    • 한국식품조리과학회지
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    • 제25권1호
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    • pp.74-83
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    • 2009
  • We investigated the food service management practices in child care centers operated by various types of foundations in the Chonbuk area of Korea. Self-administered questionnaires were collected from 125 child care center directors. The statistical analysis was completed using an SPSS v11.5 program. Approximately 82.4% of the directors were women with an the average age of 45 years old. The average number of children in each public and private child care center was 84.7 and 88.8, respectively (P<.001), and the difference in time of operation was significant(P<.001). Only 20.8% of the centers employed a dietitian, whereas 92.0% of the centers employed a cook, thus, food service was not managed by professionals in most centers. In approximately 99.2% of the centers, meals were prepared in a conventional manner. The difference in daily meal frequency was significant(P<.05), with approximately 85.6% of the centers serving snacks twice a day primarily to supplement the intake of nutrients(4.44 point) and to add fun to the daily lives of the children(4.12 point). Approximately 40.7% of the directors of public centers and 57.6% of the directors of private centers responded that the most difficult aspect of food service management was financial management. Overall, 56.8% of the directors responded that the details of financial management had the greatest effect on their ability to improve the quality of food service. In most centers, the center director was also the purchasing manager and half of them purchased food every day. Approximately 97% of the directors responded that they do not include instant foods in their menu plans but they would use them if the children wanted to eat them. These results indicate that the food service management in child care centers in the Chonbuk area is relatively inadequate. We strongly recommend that they hire dietitians for food service administration and focus on strengthening sanitation management.

BIM 도입 활성화를 위한 중소건축사사무소 지원 방안 (Support plan for introduction of BIM on Small and Medium Architectural firm)

  • 김용준;김홍수;김명근
    • 한국산학기술학회논문지
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    • 제17권9호
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    • pp.669-679
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    • 2016
  • 본 우리나라를 포함하는 세계 각국은 건설 산업의 경쟁력 및 생산성을 강화하기 위해 노력하고 있으며, 그 해답 중 일부를 BIM에서 찾고 있다. 하지만, 적극적인 BIM 도입이 요구되는 건축사사무소는 수주물량 감소, 수주 양극화, 저가설계 등 다양한 원인들로 인해 매우 열악한 실정으로 BIM 도입을 매우 부담스러워 하고 있어 BIM 도입이 매우 저조한 상황이다. 따라서 본 연구는 중소건축사사무소의 BIM 도입을 지원하기위한 방안을 마련하고자 하였다. 지원방안 마련에 앞서 중소기업 지원 관련법과 과거에 시행했거나 현재 시행중인 국내외 중소기업 지원사업을 살펴보았으며, 중소기업 지원사업에 대한 수요조사를 실시하였다. 수요조사는 설문의 형태로 242명의 건축사를 대상으로 BIM의 필요성 인지, BIM 운용 현황 및 문제점, BIM 도입지원 정책별 선호도 및 적정 지원 범위 등에 대해 조사를 진행하였다. 조사 결과 향후 건축사사무소에서 BIM을 사용하고자하는 의지는 매우 높았다. 또한, 설문에서 제시한 정부 지원 사업 중 BIM 프로그램 구입 비용 지원, BIM 교육 비용 지원, BIM 전문 인력 지원, 저금리 대출 지원 등의 정부 지원 사업의 필요성에 대해 매우 공감하고 있는 것으로 나타났다. 결과적으로 본 연구는 BIM 도입 컨설팅, 도입비용지원, 교육 및 인력지원, 수주지원, 성과홍보 등 BIM 도입 준비부터 활성화에 이르는 중소건축사사무소 지원방안을 마련하였다.