• 제목/요약/키워드: Financial behaviors

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프로젝트 금융의 지역적 차별성과 정책적 시사점 (Regional Difference of Project Finance and Its Policy Implications)

  • 박원석
    • 한국경제지리학회지
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    • 제11권4호
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    • pp.580-599
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    • 2008
  • 본 연구는 프로젝트 금융의 지역적 차별성의 존재 여부와 그 특징을 살펴보는 것을 목적으로 한다. 본 연구의 주요 결과는 다음과 같다. 첫째로, 수도권과 지방간의 프로젝트 금융의 지역적 차별성은 부분적으로 나타난다. 그러나 그 특성은 기업금융과는 상이하게 나타난다. ANOVA 검정 결과, 상업용 부동산 프로젝트 금융에서의 초과금리 지표, 지방은행이 실행한 주거용부동산 프로젝트 금융에서의 약정기간 지표에서 유의한 차이가 발견된다. 둘째로, 프로젝트 금융의 지역적 차별성을 일으키는 주요 요인으로 프로젝트에서 발생하는 현금흐름에 대한 수도권과 지방간의 정보의 비대칭성을 들 수 있다. 특히, 지방은행의 특유의 행태로 인해 프로젝트 금융의 지역적 차별성은 기업금융의 그것과 다르게 나타난다. 즉, 지방은행은 수도권에서 수행되는 프로젝트 금융에서 전국적 은행의 수동적인 컨소시엄 일원으로서 행동한다는 점이다. 셋째로, 선분양제도와 건설회사에 의존하는 보증시스템은 주거용 부동산 프로젝트 금융에서의 지역적 차별성을 희석시키는 역할을 한다. 이들 시스템은 프로젝트 금융의 급성장에 공헌한 바 있지만, 금융위기에서 프로젝트 금융을 취약하게 만드는 주요 원인이기도 하다. 이러한 맥락에서 프로젝트 금융시장이 당면하고 있는 문제 해결을 위한 정책적 시사점을 도출하였다.

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유아복 소비가치 척도에 대한 구성타당성과 기준관련 타당성 연구 (Construct validity and criterion-related validity of consumption value in preschooler clothing)

  • 이주연;이영주
    • 복식문화연구
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    • 제21권3호
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    • pp.413-430
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    • 2013
  • Despite the recent sharp growth in the baby product market, previous studies on preschooler clothing have centered primarily on surveys regarding body size and consumer buying behavior, with little emphasis given to consumption value in preschooler clothing. This study aimed to assess the feasibility of using standards of consumption value to examine the behavior of those who buy preschooler clothing. The research subjects were mothers of preschoolers aged 1 to 6 years. They were asked to complete a questionnaire online at major parenting blogs found on portal sites (n=346). The questionnaire contained 41 questions based on a literature review, and 25 questions having convergent and discriminant validity were analyzed. By conducting a regression analysis of standards of consumption value in preschooler clothing and their perceived value, the feasibility of the standards was assessed. The results showed that consumption value in preschooler clothing was associated with 21 questions and 8 factors. The factors measuring consumption value included vicarious satisfaction, social value, functional value, convenience, financial value, aesthetic value, uniqueness, and circumstantial value. This study is significant in that it expands the scope of research on preschooler clothing, lays the groundwork for measuring consumption value in preschooler clothing, and predicts consumer behaviors by identifying the consumption value among mothers of preschoolers.

양산대학생들의 음주행동에 관한 조사연구(I) (A Study of Drinking Behavior among Students at Yangsan College)

  • 신애숙;우문호
    • 한국식생활문화학회지
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    • 제14권2호
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    • pp.131-137
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    • 1999
  • The purpose of this study is to investigate the drinking patterns and behaviors of Yangsan College students. Data were collected by a self-administered survey from the subjects, of which male students were 336 and female 165. The results of this study were as follows: 1. With regard to attitude toward drinking, 93.1% of the male subjects and 84.3% female subjects reported to have favor for drinking while only 9.3% of the subjects against drinking. 2. Those who reported to have at least a drink everyday were 13.3% of the subjects. For drinking frequency subjects who reported once in two or three day were most popular(21.9%). The frequency of drinking alcohol was associated positively with amount of discretionary money the students have. 3. For amount of drinking, 42.5% of subjects responded that they were able to drink soju at least one bottle per occasion. Data showed a high positive correlation between drinking frequency and financial costs they spent to drink. 4. The reasons subjects gave to drink included social gatherings after school or student activities (40.1%), change of mood(16.5%), and personal cerebration(16.5%). 5. The most popular place for the subject to go for a drink was neighborhood pubs(43.5%), followed by bar or pubs at downtown(28.3%) and nearby campus(12.2%).

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The Impact of Mobile Technology Paradox Perception and Personal Risk-Taking Behaviors on Mobile Technology Adoption

  • Chae, Myung-Sin;Yeum, Dae-Sung
    • Management Science and Financial Engineering
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    • 제16권2호
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    • pp.115-138
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    • 2010
  • People acknowledge that mobile technology has improved their lives in terms of convenience, flexibility, connectedness, and new freedom of choice. However, as people increase usage of technology, they may become frustrated, challenged, annoyed, and irritated with it. This is the main characteristic of mobile technology paradoxes. Once technology gets into people's daily life, which it already has, people will look for a way to minimize the dependency on the technology, as well as finding a way to use the technology to improve the quality of their life. The focus of this study is to understand the mobile technology paradoxes and to develop coping strategies. As mobile technology is already a part of people's daily life, it is inevitable that people need to utilize technology as part of their lifestyles. This study developed a research model regarding the relationship between mobile technology perception and choice of coping strategies, including personal risk propensity as a mediating factor. Discussion on the importance of the technology paradoxes for developing mobile solution and services from the customers' perspectives followed after hypotheses testing.

시뮬레이션을 이용한 중소 신발생산기업의 생산시스템 개선방안 연구 (A Study on Improvement of a Production System in Small and Medium Sized Shoes Companies using Simulation)

  • 이경근;윤원영;문일경;조형수;차병철
    • 산업공학
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    • 제18권1호
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    • pp.35-43
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    • 2005
  • A production system in domestic shoes companies has difficulty in achieving automation and information because of insufficiency of flexibility and standardization. Particularly small and medium sized shoes companies producing by OEM have tendency to chase the given production schedule blindly without considering major factors that may affect the production. Therefore, the production schedules or the process conditions can not be optimally set and are extemporized by the experience in the past. These behaviors cause low productivity and financial loss. To maximize efficiency and productivity of the shoe-making process, we develop a simulation model based on a production system in small and medium sized shoes companies. The model has been developed using ARENA which has been demonstrated to be a powerful tool to simulate various manufacturing systems. Using the simulation model, we find out several problems for the production process, and then suggest several alternatives to improve the system.

창의적 성과를 제고하는 조직 양면성 구현양식에 대한 연구 (Working Mechanisms of Organizational Ambidexterity for Creative Performance)

  • 권정언;우형록
    • 지식경영연구
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    • 제17권2호
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    • pp.51-73
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    • 2016
  • The organizational ambidexterity has been emerging as the way to gain competitive advantage in turbulent environment. The concept of ambidexterity is simultaneously accomplishing the balance between the activities of exploration and exploitation, and overcoming their conflicting tension. The beneficial merits of ambidexterity has been investigated in innovation, financial performance, strategic management, and etc. Our study focused on the impact of ambidextrous activities on creative performance. Although three ambidextrous modes-structural ambidexterity, contextual ambidexterity, and sequential ambidexterity-have been already acknowledged, scant studies suggested the specific mechanisms to achieve ambidexterity in practice at the operating level. To address the issue we performed the semantic network analysis on the basis of the previous literatures prescribing ambidexterity theory. We took interview with 21 teams to explore behaviors of teams from the ambidextrous perspective, and then interpreted the relationship among words which appeared in the interview. This study found the appropriate mechanism which alleviate tension revealed by exploitation and exploration exist as practical reality. We demonstrated how these ambidextrous mechanisms can be used to generate the creative performance as well as examined various antecedents. These findings would contribute to the more fine-grained understanding of organizational ambidexterity, especially in conjunction with organizational creativity.

Consumer Behavioral Systems to Approach or Avoid Generic Medicine (GM) Consumption in Japan

  • Hosoda, Takefumi;Fraser, Jay R.;Kim, Myung-Sook;Cheon, Hongsik John
    • The Journal of Asian Finance, Economics and Business
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    • 제5권2호
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    • pp.105-118
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    • 2018
  • Generic medicine (GM), which is an alternative drug product for branded medicine (BM), is used less in Japan than in other OECD countries. Therefore, we investigate why the medical consumers of Japan avoid the use of GMs even though the efficacy and safety of the medicines have already been proven. We theorize that effectiveness or risk of GMs are related to the consumer attitude toward GMs is affected by the behavioral approach/activation system (BAS) which promotes actions to reach the desired state, and the behavioral inhibition system (BIS) which suppresses behaviors to avoid negative outcomes. To see which of the BAS and BIS dimensions are related to GM usage, we surveyed 374 Japanese consumers and found that Quality, Efficacy, Safety, & Cost-effectiveness with the BAS, and Functional Risk, Financial Risk, Social Risk, Physical Risk, Psychological Risk, & Time Risk with the BIS had a significant effect on consumer attitude to GMs. These results are important in that they 1), confirm the role of BAS/BIS in attitudes to GMs, 2), provide guidelines when marketing GMs, 3), help governments promote the use of GMs as a cost-saving measure, and 4), guide future surveys regarding consumer attitudes to GMs.

조직내 최종사용자의 합목적적인 정보보호 시스템 사용 내재화와 학습, 피드백 추구 행동 연구 (A Study on the Effect of Learning Activities and Feedback Seeking Behavior toward the End Users' Faithful Appropriation of Information Security System)

  • 김민웅;정기주
    • 한국정보시스템학회지:정보시스템연구
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    • 제25권3호
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    • pp.117-146
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    • 2016
  • Purpose The purpose of this paper is to examine factors and mechanism inducing end users' faithful appropriation of information security behavior through the information security system. This study is also trying to find out the role of Employees' adaptive activities like learning and feedback seeking behavior for the information security in organizations. Design/methodology/approach An empirical study was carried out with a sample of employees working in the financial service company. Employees(n = 268) completed a written questionnaire. Structural equation modeling was used to analyze the data. Findings Results indicated that employees' learning activities and feedback seeking behavior fully mediated the effect of major information security factors toward end users' faithfulness of appropriation of information security systems. In order to increase the level of employees information security behavior in accordance with security guideline, organizations should facilitate interactions that support the feedback seeking process between employees on information security awareness and behavior. Additionally, organizations may reinforce these behaviors by periodical training and adopting bounty hunter systems.

지역사회 보건사회지표를 이용한 시군구 지역 간 건강수준 비교 및 관련 요인 상관관계 분석 (A Comparison of Community Health Status by Region and an Investigation of related Factors using Community Health Indicators)

  • 박은옥
    • 지역사회간호학회지
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    • 제23권1호
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    • pp.31-39
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    • 2012
  • Purpose: The purpose of this paper was to compare community health status by region and to investigate related factors using community health and social indicators. Methods: Data were collected from statistics of local districts that were provided by KNSO and KCDC. ANOVA and correlation were analyzed using PASW 18.0. Results: The standardized cancer mortality rate was higher in metropolitan areas than in other areas. On the contrary, the mortality of respiratory disease, traffic accident, and suicide were higher in rural areas. Small cities and county districts showed higher prevalence in obesity prevalence than metropolitan areas. Metropolitan areas presented higher prevalence in alcohol drinking during the previous month, perceived stress, and seat belt use. The age-adjusted standardized mortality rate was correlated with higher prevalence of smoking, obesity, percentage of the elderly, number of beds, number of social welfare facilities, number of registered cars, lower percentage of financial independence, number of doctors, and percentage of water supply service & sewage. Conclusion: Since significant differences in mortality rate and prevalence of health risk behaviors exist between regional areas and the mortality rate was correlated with other social indicators and health indicators, health policies and social policies considering these differences should be develop and implemented to the communities.

부산지역 청소년 주관적 행복감에 미치는 영향요인에 관한 연구 : 2016년 제12차 청소년 건강행태온라인조사 자료 분석 (Factors Influencing Subjective Happiness among Adolescents in Busan : Analysis of Data from the 2016 Korean Youth Risk Behavior Survey)

  • 박정훈
    • 보건의료산업학회지
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    • 제11권4호
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    • pp.133-144
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    • 2017
  • Objectives : The purpose of this study was to identify factors affecting the subjective happiness of adolescents in Busan using data from the "12th Online Survey on Youth Health Behaviors, 2016." It intended to provide basic information for the development of intervention programs that can improve the subjective happiness of the youth. Methods : Data on 3,979 adolescents residing in Busan were drawn and statistically examined using frequency analysis, a t-test, an ANOVA, and a multiple regression analysis. SPSS 24.0 was used for all analyses. Results : Subjective happiness showed statistically significant differences depending on the factors of health equity like emotional support, gender, school level, financial state, academic performance, type of residence, and parents' educational level, and on the factors of health status, like subjective health state, depression, sleep and stress. Conclusions : The results of this study suggest that a variety of intervention programs on health status factors need to be developed, and implemented to improve the subjective happiness of adolescents in Busan.