• 제목/요약/키워드: Financial behaviors

검색결과 182건 처리시간 0.025초

디지털 트랜스포메이션의 플랫폼 비즈니스 모델 기반 데이터 통합 관점 분석: 금융산업 사례를 중심으로 (A Strategic Analysis of Digital Transformation for Data Integration based on Platform Business Model: Focusing on Financial Industry)

  • 김일주
    • 한국전자거래학회지
    • /
    • 제26권4호
    • /
    • pp.119-131
    • /
    • 2021
  • 플랫폼 비즈니스의 급속한 성장과 함께 디지털 트랜스포메이션은 기업의 가장 중요한 화두로 부상하였으며, 기업에게 있어 더 이상 선택사항이 아닌 생존을 위한 필수전략이 되었다. 많은 기존 기업들은 디지털화를 위하여 필사의 노력을 하고 있다. 관련된 많은 연구들이 있었지만, 아직 대부분 사례 분석들을 통한 개념적 모델 수준의 연구들에 머물고 있다. 본 연구의 목적은 디지털 트랜스포메이션의 기반이 되는 플랫폼 비즈니스 모델을 중심으로 트랜스포메이션을 통해 획득할 효익의 근간이 되는 데이터의 통합 및 증가되는 네트워크 효과의 효익을 학술적, 체계적으로 분석해 보고자 하는 것이다. 플랫폼 기반 변화는 내부의 효율성 강화와 외부적 확장으로 구분할 수 있다. 내부적으로는 기업의 내부 데이터가 결합되고 다시 의사결정 및 실행과 결합되도록 하는 데이터 구조 개선 및 조직의 개선이 필요할 것이며, 외부적으로는 플랫폼 비즈니스 모델 기반 사업 구현으로 보다 많은 소비자의 외부 데이터를 결합, 활용하는 구조를 세워 신사업 개척, 소비자 행동 예측을 위한 가치를 높여야 할 것이다. 디지털 트랜스포메이션이 성숙되지 않은 상황에서, IT인프라가 가장 구조적으로 앞서 있는 금융산업은 가장 먼저 산업적으로 이상을 실현할 수 있는 산업으로 기대되고 있다. 외부 데이터 결합 사업을 위하여 금융 기업들은 다양한 시도들을 하고 있으며, 좋은 결실을 맺는다면 타 산업의 전환성숙에도 공헌할 수 있을 것으로 기대된다. 정책적으로는 정부의 마이데이터 사업 실시에 있어 국가 차원의 데이터 구조, 거래 체계에 대한 논의가 빨리 진행되어야 할 필요성을 제기하였다.

우리나라 학업중단청소년에 대한 이해 (Comprehensive Understanding about Drop-Out Adolescents in Korea)

  • 금명자
    • 한국심리학회지 : 문화 및 사회문제
    • /
    • 제14권1호_spc
    • /
    • pp.299-317
    • /
    • 2008
  • 2000년대를 전후로 급증한 청소년들의 학업중단을 실태와 기존의 연구들을 통해 종합적으로 조망하였다. 용어, 실태, 원인과 과정 및 학업중단 이후 과정으로 나누어 우리나라 청소년의 학업중단을 이해하고, 이를 다시 12가지 특성으로 정리하였다. 그리고 이러한 특성들을 생태학적 모형으로 재구조화하였다. 1990년대 중반에 시작된 사회적 안정구조의 흔들림과 1998년의 IMF 사태는 청소년들의 1차 환경인 가정과 학교에 영향을 미쳤다. 가정은 이혼 등의 갈등이 표면화되면서 청소년에 대한 심리적 지지와 경제적 지원을 약화시켰고, 학교에서는 교권과 교칙이 약화되면서 교사와의 갈등, 학업의 목적과 흥미 상실로 나타났다. 청소년들은 우울, 무력감, 공격성과 같은 정서적 반응, 미래의 불투명성, 학업적 의미 상실과 같은 인지적 반응 및 부적절한 성행동, 폭력과 같은 표면화된 비행행동반응을 보였다. 이러한 심리적 상태는 가출과 학업중단이라는 표면화된 행동으로 드러나게 되었고, 이후 이들의 학업 유지 의도에도 불구하고 준비되어 있지 않은 사회에 의해 비행화가 가속되었다. 이들에 대한 국가적 대처에 대한 제안과 제한점들이 논의에 첨가되었다.

  • PDF

Food deserts in Korea? A GIS analysis of food consumption patterns at sub-district level in Seoul using the KNHANES 2008-2012 data

  • Kim, Dohyeong;Lee, Chang Kil;Seo, Dong Yeon
    • Nutrition Research and Practice
    • /
    • 제10권5호
    • /
    • pp.530-536
    • /
    • 2016
  • BACKGROUND/OBJECTIVES: The concept of "food deserts" has been widely used in Western countries as a framework to identify areas with constrained access to fresh and nutritious foods, providing guidelines for targeted nutrition and public health programs. Unlike the vast amount of literature on food deserts in a Western context, only a few studies have addressed the concept in an East Asian context, and none of them have investigated spatial patterns of unhealthy food consumption from a South Korean perspective. SUBJECTS/METHODS: We first evaluated the applicability of food deserts in a Korean setting and identified four Korean-specific unhealthy food consumption indicators, including insufficient food consumption due to financial difficulty, limited consumption of fruits and vegetables, excessive consumption of junk food, and excessive consumption of instant noodles. The KNHANES 2008-2012 data in Seoul were analyzed with stratified sampling weights to understand the trends and basic characteristics of these eating patterns in each category. GIS analyses were then conducted for the data spatially aggregated at the sub-district level in order to create maps identifying areas of concern regarding each of these indicators and their combinations. RESULTS: Despite significant reduction in the rate of food insufficiency due to financial difficulty, the rates of excessive consumption of unhealthy foods (junk food and instant noodles) as well as limited consumption of fruits and vegetables have increased or remained high. These patterns tend to be found among relatively younger and more educated groups, regardless of income status. CONCLUSIONS: A GIS-based analysis demonstrated several hotspots as potential "food deserts" tailored to the Korean context based on the observed spatial patterns of undesirable food consumption. These findings could be used as a guide to prioritize areas for targeted intervention programs to facilitate healthy food consumption behaviors and thus improve nutrition and food-related health outcomes.

공시품질이 주가급락에 미치는 영향: 불성실공시 지정기업을 대상으로 (The Impact of Disclosure Quality on Crash Risk: Focusing on Unfaithful Disclosure Firms)

  • 유혜영
    • 산경연구논집
    • /
    • 제10권6호
    • /
    • pp.51-58
    • /
    • 2019
  • Purpose - Prior studies reported that the opacity of information caused stock price crash. If managers fail to disclose unfavorable information about the firm over a long period of time, the stock price is overvalued compared to its original value. If the accumulated information reaches a critical point and spreads quickly to the market, the stock price plunges. Information management by management's disclosure policy can cause information uncertainty, which will lead to a plunge in stock prices in the future. Thus, this study aims at examining the impact of disclosure quality on crash risk by focusing on the unfaithful disclosure firms. Research design, data, and methodology - This study covers firms listed on KOSPI and KOSDAQ from 2004 to 2013. Firms excluded from the sample are non-December firms, capital-eroding firms, and financial firms. The financial data used in the research was extracted from the KIS-Value and TS2000 database. Unfaithful disclosure firm designation data was collected from the Korea Exchange's electronic disclosure system (kind.krx.co.kr). Stock crash is measured as a dummy variable that equals one if a firm experiences at least one crash week over the fiscal year, and zero otherwise. Results - Empirical results as to the relation between unfaithful disclosure corporation designation and stock price crashes are as follows: There was a significant positive association between unfaithful disclosure corporation designation and stock price crash. This result supports the hypothesis that firms that have previously exhibited unfaithful disclosure behavior are more likely to suffer stock price plunges due to information asymmetry. Second, stock price crashes due to unfaithful disclosures are more likely to occur in Chaebol firms. Conclusions - While previous studies used estimates as a proxy for information opacity, this study used an objective measure such as unfaithful disclosure corporation designation. The designation by Korea Exchange is an objective evidence that the firm attempted to conceal and distort information in the previous year. The results of this study suggest that capital market investors need to investigate firms' disclosure behaviors.

남성 자살률의 공간 군집패턴 변화와 지역특성요인의 관계 분석 (A Study on the Relationship between the Spatial Cluster Patterns of Male Suicide Rate and the Regional Characteristics in South Korea)

  • 최소영;이광수
    • 보건행정학회지
    • /
    • 제29권3호
    • /
    • pp.312-322
    • /
    • 2019
  • Background: Since 2003, Korea has consistently shown the highest suicide rate among the Organization for Economic Cooperation and Development countries, and suicide remains the major cause of death. In particular, men are 2-3 times more likely to commit suicide than women, which called the 'gender paradox of suicide.' The areas with frequent suicide have spatially clustered patterns because suicide with a social contagion spreads around the neighborhood. The purpose of this study was twofold. The first was to estimate the hotspot areas of age-standardized male suicide mortality from 2008 to 2015. The second was to analyze the relationship between the hotspot areas and the regional characteristics for study years. Methods: The data was collected through the Korean Statistical Information Service. The study areas were 227 si gun gu administrative districts in Korea. The hotspot area was used as a dependent variable. Socio-demographic variables (number of marriages per 1,000 population, number of divorces per 1,000 population, and urbanization rate), financial variables (financial independence and social security budget), and health behaviors (EuroQol-5 dimension [EQ-5D], and depression experience rate) were used as independents variables. Results: The hotspot areas were commonly located in Gangwon-do, Chungcheongnam-do, Gyeongsangbuk-do, and Chungceongbuk-do. According to the results of panel logit regression, the number of divorces per 1,000 population, social security budget, and EQ-5D were statistically significant variables. Conclusion: The results of hotspot analysis showed the need for establishing a prevention zone of suicide using hotspot areas. Also, medical resources could be considered to be preferentially placed in the prevention zone of suicide. This study could be used as basic data for health policymakers to establish a suicide-related policy.

연쇄창업의 행태와 성과에 대한 실증연구: ICT 창업초기 벤처기업을 대상으로 (The Differences in Strategic Behaviors and Economic Performances Between Serial and Novice Entrepreneurs)

  • 조유리
    • 벤처창업연구
    • /
    • 제11권3호
    • /
    • pp.17-25
    • /
    • 2016
  • 본 연구에서는 ICT(Information and Communications Technologies) 분야의 창업초기 벤처기업 300개에 대한 설문조사를 통해 국내 벤처생태계에서 연쇄창업의 현황, 행태, 성과에 대하여 분석하였다. 연구결과, 국내 연쇄창업의 비율은 약 18.7%였으며, 창업활동년수는 평균 약 8년, 연쇄창업가 중 약 80%는 같은 업종에서 재창업하였다. 연쇄창업은 신진창업보다 여러 명이 공동으로 팀을 이루어 창업하는 비중이 높고, 더 큰 규모로 시장에 진입하며, 대량생산으로 시장점유율을 높이는 경영전략을 더 중시하는 것으로 나타났다. 협력 상대로 공급 업체, 수요업체의 비중이 신진창업보다 높았으며, 정부와의 협력 비중은 낮았는데 정부로부터 자금지원을 받기보다 판로와 마케팅에 대한 지원을 받는 비율이 신진창업보다 높게 나타났다. 설립 첫해 당기순이익으로 재무적 성과를 회귀분석한 결과, 연쇄창업시에 공동창업하는 경우 재무적 성과가 상승하였으며, 업종을 변경하는 경우에는 성과가 하락하였다.

  • PDF

신문판매시장 경품의 경제에 관한 고찰: 경품의 지속 원리와 딜레마 (A Study on the Economies of Promotion Gifts in the Newspaper Industry)

  • 이은주
    • 한국언론정보학보
    • /
    • 제37권
    • /
    • pp.270-306
    • /
    • 2007
  • 이 연구는 인쇄신문시장의 성장 지체 속에서 상위 지배기업들의 대표적인 발행부수 확보 경쟁인 무가지와 경품의 지속 원리가 무엇인지 분석하고 있다. 과열 경품 경쟁은 불공정거래라는 비판과 신문판매고시 위반으로 과징금 부과 등의 규제가 따르고 있다. 개별 기업에게도 고비용 경쟁의 부담이 지속되는 가운데 결과에서 얻는 이익이 크지 않다. 그럼에도 불구하고, 과열 경품 경쟁은 상대방과 합의할 수 없는 경쟁의 상황에서 선택할 수밖에 없는 우월 전략이자 합리적 선택에 해당한다. 지배기업이 경품 지속의 주도성을 확보하고 있으나 경품 경쟁은 다자간의 동의 속에서 유지된다. 경품 경제의 메커니즘 내에는 경품의 채택이 지국과 독자, 포괄적으로 광고주 역시 경제적 원리에 따라 유인이 높은 선택 대안이고, 동의하게 되는 이유가 있다. 이러한 경품 지속의 원리와 구조에 대한 분석을 통해 규범적 비판에 대한 논리적 근거로서 경제적 원리와 합리성을 보완해 보고자 하였다. 과열 경품 경쟁의 해법을 위해 이와 관련된 행위자들의 과제가 무엇인지 살펴보기 위한 사전 작업에 해당할 것이다.

  • PDF

Multilevel analysis and regional variation of physical activities in Korean adults based on the 4th Korea National Health and Nutrition Examination Survey

  • Jang, Min-Young;Lee, Moo-Sik;Hong, Jee-Young;Kim, Hyunsoo;Kim, Kwang-Hwan;Bae, Seok-Hwan
    • 보건교육건강증진학회지
    • /
    • 제33권3호
    • /
    • pp.95-107
    • /
    • 2016
  • Objectives: Physical activity is well known as one of the most effective health behaviors for maintaining and promoting health. The purpose of this study was to investigate the regional variation, compositional and contextual factors on physical activities in Korea. Methods: This study analyzed data of 6,353 adults in 4th-1, 2 Korea National Health and Nutrition Examination Survey (KNHANES). Independent variables were compositional factors that included general characteristics, health behaviors, health status, and contextual factors that included physical environment, political environment, and social safety net. Dependent variables were vigorous physical activity, moderate physical activity, and walking activity. Multilevel analysis were used to determine a variation of physical activity between levels of compositional factors and contextual factors. Results: Physical activities of the Korean people were affected by the regional variables. Financial independence and population density were related with moderate physical activity significantly. Population density, school sport or rally spaces, cultural facilities, and social safety concerns were related with walking activity significantly. These variables impacted on physical activities along with variables at the individual level. Variance Partition Coefficient were 9.94% at moderate physical activity and 2.91% at walking activities, respectively. Conclusions: The results suggest that the regional variables should be considered when planning public intervention to promoting physical activities in Korean adults.

Cost Behaviors and Cost Structure of Public Hospitals in India: Analysis from the Perspective of Congestion Costs

  • MISHRA, Nidhish Kumar;ALI, Ijaz;SENAN, Nabil Ahmed Mareai;UDDIN, Moin;BAIG, Asif;KHATOON, Asma;IMAM, Ashraf;KHAN, Imran Ahmad
    • The Journal of Asian Finance, Economics and Business
    • /
    • 제9권4호
    • /
    • pp.315-324
    • /
    • 2022
  • The goal of this study is to understand better the relationship between hospital bed occupancy rate and cost rigidity as a proxy for the degree of hospital bed congestion, as well as the relationship between the risk of changes in hospital bed occupancy rate and congestion cost, targeting public hospitals. As public hospitals for analysis, we selected hospital projects from the Public Enterprises Survey Reports published by the Department of Public Enterprises, Ministry of Finance, and obtained unbalanced panel data consisting of 1,505 hospitals and 15 years, totaling 12,595 hospitals and years. The analysis revealed that the risk of changes in the bed occupancy rate increases the degree of cost rigidity and leads to a decrease in the variable cost ratio; furthermore, an increase in the bed occupancy rate decreases the degree of cost rigidity and leads to an increase in the variable cost ratio. These findings suggest that although public hospitals are taking managerial actions to avoid congestion costs, congestion costs resulting from higher bed occupancy rates have not been eliminated. The regression analysis results show that even if congestion costs arise as the occupancy rate increases, they are covered by the increase in revenue associated with the increase in the occupancy rate.

Nutrition and health challenges among low-income families of young children in the post COVID-19 era: a qualitative study

  • Hyunjung Lee;Wilna Oldewage-Theron;Conrad Lyford;Stephanie Shine
    • Nutrition Research and Practice
    • /
    • 제17권6호
    • /
    • pp.1185-1200
    • /
    • 2023
  • BACKGROUND/OBJECTIVES: In the United States, one in every 5 children is obese with greater likelihood in low-income households. The coronavirus disease 2019 (COVID-19) pandemic may have accelerated disparities in child obesity risk factors, such as poor dietary intake and increased sedentary behaviors, among low-income families because of financial difficulties, social isolation and other struggles. This study reveals insights into nutrition and health challenges among low-income families of young children in West Texas to better understand needs and develop interventions. SUBJECTS/METHODS: In-depth individual interviews were performed via Zoom among 11 families of children under the age of 3. A semi-structured interview guide was developed to explore 3 areas: changes in (1) dietary intake and (2) sedentary behaviors and (3) families' preferences regarding a parent nutrition education program. Each interview was audiorecorded, transcribed, and coded using MaxQDA software. RESULTS: Eating together as a family become challenging because of irregular work schedules during the COVID-19 pandemic. Most parents stated that their children's dietary habits shifted with an increased consumption of processed foods. Many parents are unable to afford healthful foods and have utilized food and nutrition assistance programs to help feed their families. All families reported that their children's screen time substantially increased compared to the pre-pandemic times. Moreover, the majority of parents did not associate child screen time with an obesity risk, so this area could be of particular interest for future interventions. Meal preparation ideas, remote modality, and early timing were identified as key intervention strategies. CONCLUSIONS: Online nutrition interventions that emphasize the guidelines for child screen time and regular meal routines will be effective and promising tools to reach low-income parents for early childhood health promotion and obesity prevention.