• 한국시스템다이내믹스연구
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• 제13권4호
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• pp.5-31
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• 2012

This paper aims at investigating the dynamics between aging population and local finance. In recent years, the aging rate has been accelerating the pace. The trend implies that Korea is moving towards the aging society, presumably, with unprecedented speed in the world. Aging society's biggest problems are centered around the explosive growth of the financial needs. In particular, these problems are apt to appear more seriously in local governments, as most of them are confronted with high level of aging population and poor financial bases. Firstly, it analyzes how the population structure in the local government impacts local finance, income and expenditure. Based upon in-depth literature reviews, this study examines variables related to aging population and local fiance. Secondly, it focuses on a series of positive and negative feedback loops which would reveal the essence of the mutual interaction structure between aging population and local governments' fiscal behaviors.

• 웰빙융합연구
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• 제5권4호
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• pp.1-9
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• 2022

Purpose: Many people recognize the fact that women are basically poor at financial and retirement planning. A small number of scholars have explored the factors and situations that influence the level of awareness of pre-retirement women and men with regards to planning for their retirement years. In most developing countries, including Malaysia, there are more men in the younger segment of the population and more women in the older segment, since women tend to live longer than men due to having jobs of relatively lower risk, their behaviors, and activities. Research design, data and methodology: Given that it is hard to predict whether they will be healthy in old age, women may require additional resources to obtain the care and assistance that they need. The transition from career life into retirement is a long process for people to go through. Some may be able to prepare for the next stage of life, and some may not be able to prepare due to personal reasons. Planning for future retirement is important because it will affect the quality of a woman's life after a certain age. Results: Without proper planning, women may face financial instability, depression, and poor psychological well-being. However, many women are unaware of their financial status or do not know their family's financial status, such as tracking the main income, budget, and expenses, financial commitments and have no proper record of assets owned, loans owed, or updated loan balances. Conclusions: The findings of this research have led to the conclusion that pre-retiree women are likely to regard their retirement savings as sufficient without realizing that they should have at least several types of savings instead of just one, and the grave consequences of not having any savings at all for their retirement years.

• Perspectives in Nursing Science
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• 제13권2호
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• pp.70-80
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• 2016

Purpose: This study examined the relationship between acculturation stress and health promotion behaviors in the Korean Chinese elderly immigrants living in Korea, focusing on the buffering effects of social support. Methods: We included 132 completed questionnaires in the analysis. The buffering effect was examined using a hierarchical regression analysis by adding interaction terms. Results: Health promotion scores were significantly higher in the group with a higher education level, lower depressive symptom scores, and higher levels of social support. However, no statistically significant differences were found in the health promotion behaviors by gender, age, spouse, job, financial stability, subjective health status, chronic disease, regular health checkups, or acculturation stress. The hierarchical regression analysis demonstrated that social support had a buffering effect on the relationship between acculturation stress and health promotion behaviors in the Korean Chinese elderly immigrants. Specifically, the relationship between the acculturation stress stemming from the difficulties in the workplace and health promotion behaviors was attenuated by social support. Conclusion: These findings indicate that social support significantly moderates the relationship between acculturation stress and health promotion behaviors in the Korean Chinese elderly immigrants living in Korea. A variety of strategies to enhance social support should be incorporated in the health promotion programs to decrease the negative effects of acculturation stress in the Korean Chinese elderly living in Korea.

• 한국병원경영학회지
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• 제1권1호
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• pp.108-135
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• 1996

This paper investigates the current feature of management strategy of hospitals in Korea, and examines the relationships between adoption of a particular strategic orientation and the hospitals environmental and organizational characteristics, strategic behaviors and management improvement activities, and financial performance. Data were collected from CEOs of 88 hospitals among 650 hospitals for a 13.5% response rate using the self-administered questionnaire by mail survey. The major findings that obtained are as follows: 1. Only 37.2% of response hospitals carried out strategic planning, Most of these hospitals established the first strategic planning in 1991(81.3%) and renovated strategic planning by 4 or 5 years(56.3%), and modified strategic planning with flexibility(59.4%). Most strategic plans were documented, but informalized(68.8%). And only 29.0% of these hospitals had independent planning division. 2. Hospital services that CEOs assessed rank ordered for their impact on profitability are as follows: i)diagnostic ultrasound facility, computerized tomography scanner, obstetric inpatient unit, therapeutic X-ray, and physical therapy at present. ii)diagnostic ultrasound facility, physical therapy, computerized tomography scanner, emergency department, and health screening at future. And the services rank ordered that CEOs hoped to introduce are as follows: emergency department, physical therapy, health screening, volunteer services, and computerized tomography scanner. 3. Using a typology developed by Miles and Snow(l978), the strategic orientation of response hospitals are shifting significantly from defenders in the past to analyzers in the present, and to prospectors in the future(p<.01). 4. With regard to hospital environmental and organizational characteristics such as ownership, physician training, location, bed size, and hospital management training career and specialty of CEOs, the four strategic orientation archetypes varied not significantly. But, hospitals with a analyser orientation in the present and a reactor orientation in the future perceived competition significantly higher than the other three archetypes(p<.05). 5. The four archetypes rank ordered in terms of appling strategic behaviors and management improvement activities are as follows: prospector, analyzer, reactor, and defender. 6. The four archetypes differed significantly in terms of their financial performance using revenue per bed(p<.05). Reactors and prospectors in terms of total revenue per bed, prospectors in terms of outpatient revenue per bed, and reactors and prospectors in terms of inpatient revenue per bed had the best performance.

• Asia pacific journal of information systems
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• 제22권1호
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• pp.53-77
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• 2012

Financial firms, especially large scaled firms such as KB bank, NH bank, Samsung Card, Hana SK Card, Hyundai Capital, Shinhan Card, etc. should be securely dealing with the personal financial information. Indeed, people have tended to believe that those big financial companies are relatively safer in terms of information security than typical small and medium sized firms in other industries. However, the recent incidents of personal information privacy invasion showed that this may not be true. Financial firms have increased the investment of information protection and security, and they are trying to prevent the information privacy invasion accidents by doing all the necessary efforts. This paper studies how effectively a financial firm will be able to avoid personal financial information privacy invasion that may be deliberately caused by internal staffs. Although there are several literatures relating to information security, to our knowledge, this is the first study to focus on the behavior of internal staffs. The big financial firms are doing variety of information security activities to protect personal information. This study is to confirm what types of such activities actually work well. The primary research model of this paper is based on Theory of Planned Behavior (TPB) that describes the rational choice of human behavior. Also, a variety of activities to protect the personal information of financial firms, especially credit card companies with the most customer information, were modeled by the four-step process Security Action Cycle (SAC) that Straub and Welke (1998) claimed. Through this proposed conceptual research model, we study whether information security activities of each step could suppress personal information abuse. Also, by measuring the morality of internal staffs, we checked whether the act of information privacy invasion caused by internal staff is in fact a serious criminal behavior or just a kind of unethical behavior. In addition, we also checked whether there was the cognition difference of the moral level between internal staffs and the customers. Research subjects were customer call center operators in one of the big credit card company. We have used multiple regression analysis. Our results showed that the punishment of the remedy activities, among the firm's information security activities, had the most obvious effects of preventing the information abuse (or privacy invasion) by internal staff. Somewhat effective tools were the prevention activities that limited the physical accessibility of non-authorities to the system of customers' personal information database. Some examples of the prevention activities are to make the procedure of access rights complex and to enhance security instrument. We also found that 'the unnecessary information searches out of work' as the behavior of information abuse occurred frequently by internal staffs. They perceived these behaviors somewhat minor criminal or just unethical action rather than a serious criminal behavior. Also, there existed the big cognition difference of the moral level between internal staffs and the public (customers). Based on the findings of our research, we should expect that this paper help practically to prevent privacy invasion and to protect personal information properly by raising the effectiveness of information security activities of finance firms. Also, we expect that our suggestions can be utilized to effectively improve personnel management and to cope with internal security threats in the overall information security management system.

• Asia Marketing Journal
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• 제13권4호
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• pp.191-212
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• 2012

자본시장통합법이 본격적으로 시행됨에 따라 국내 금융 시장은 과거와 다른 새로운 환경에 직면하고 있다. 이런 변화는 금융 상품의 일반 고객인 소비자의 태도 및 행동에도 큰 변화를 가져올 것으로 예상할 수 있다. 금융 산업과 관련된 연구는 주로 재무적인 측면에서 이루어져 왔으며, 소비자 측면의 마케팅적 접근은 상대적으로 소홀하게 취급되어 왔다. 본 연구에서는 금융 서비스를 대상으로 소비자들이 지각하는 전반적 품질에 영향을 미치는 요인은 무엇이며, 이러한 요인들이 어떻게 마케팅 성과로 이어지는 가를 실증적으로 분석하였다. 이론적 고찰을 바탕으로 통합적 연구 모델을 제시하였는데, 소비자 특성 차원 요인으로서 자기 효능감과 자아-브랜드 이미지 일치성을, 상품 차원 요인으로 금융 상품 매력성을, 기업 차원 요인으로는 금융 기업 명성을 주요 독립 변수로 설명하였고, 성과를 결정하는 매개 변수로는 지각된 전반적 품질을 제시하였다. 성과 변수로는 태도 변수인 브랜드 애호도와 행동 변수인 이용 의도가 포함되었다. 실증 분석 결과, 자아-브랜드 이미지 일치성, 상품 매력성, 명성이 지각된 전반적 품질에 긍정적 영향을 미치며, 이는 브랜드 애호도에도 긍정적인 영향을 미치는 것으로 나타났다. 그러나 자기 효능감이 지각된 전반적 품질에 미치는 영향과, 지각된 전반적 품질이 이용 의도에 미치는 영향은 유의하지 않은 것으로 나타났다.

• 가족자원경영과 정책
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• 제8권1호
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• pp.29-45
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• 2004

This study compared household's investment behaviors over consumer's ages before and after the economic crisis using 1995 and 2000 National Survey of Family Income and Expenditure in korea. Household's investment behaviors were compared in terms of household's financial statements, amounts and proportions invested in various assets, and rate of return on investments. The proportion invested in securities of all households. In terms of the proportion invested, consumers under 40s increased the proportion invested in insurance while consumers over 50s increased the proportion invested in savings and trusts in 1995 than in 2000. Consumers of all ages increased the proportion invested in securities in 2000 than in 1995. Young households had higher rate of return in 1995 while old households had higher rate of return in 2000.

• 대한간호학회지
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• 제38권5호
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• pp.685-693
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• 2008

Purpose: This study was to compare and analyze sleep patterns, satisfaction of sleep, and sleep enhancement behaviors between hospitalized and non-hospitalized elderly. Methods: Subjects were 201 older adults, who were hospitalized patients or living in U-city, Gyung-gi province. Data was collected from June 10 to August 25, 2007, and was analyzed by the SAS program. Results: 1) Non-hospitalized elderly had better sleep patterns than hospitalized elderly patients. 2) There was a strong positive correlation between sleep patterns and satisfaction of sleep in both groups. 3) In hospitalized elderly, there were significant differences in sleep patterns and satisfaction of sleep by month. 4) In non-hospitalized elderly, there was a significant difference in sleep patterns by presence or absence of spouses. There was a significant difference in satisfaction of sleep by those living with others. There were significant differences in sleep enhancement behaviors by age, religion, length of time, and sponsors. Conclusion: To relieve sleep disturbances of elderly, comprehension of sleep of the aged by nursing care givers should be obtained. Also, improving environments and elder's self-esteem with religious consideration and preparation of financial conditions are needed to promote the sleep of hospitalized and non-hospitalized elderly.

• 디지털융복합연구
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• 제19권11호
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• pp.181-199
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• 2021

최근 금융사는 영업점 축소와 비대면 서비스의 확대 추세와 맞물려 챗봇 서비스의 활성화를 추진하고 있다. 그러나 기술적 한계와 이를 둘러싼 내·외부 환경의 제약이 존재하는 상황에서 일시에 챗봇 서비스를 확대하기는 어렵다. 따라서 챗봇 서비스의 제반 상황을 분석하여 단계별로 발생 가능한 문제를 선제적으로 확인하고 해결방안을 모색할 필요가 있다. 이에, 본 연구는 금융 챗봇 서비스 사용자의 사용 의도 및 행동을 고찰하기 위해 현장 실무자 및 연구자 12명을 대상으로 인터뷰를 진행하고, 이를 계획된 행동이론(Theory of Planned Behaviors, 이하 TPB)으로 해석하였다. 연구 결과, 사용자들은 챗봇 사용 경험을 통해 갖게 된 편리함이나 불편함 등의 '감정 및 태도', 군중 심리나 타인의 공감을 갈망하는 심리 등의 '주관적 규범', 챗봇 사용 과정의 어려움이나 편리함에 대한 인식에 따른 '행동 통제' 등의 특성이 드러났다. 이를 통해 이 특성이 사용자의 챗봇 서비스에 대한 지속적 사용 의도와 실제 행동에 영향을 미칠 수 있음을 알 수 있었다. 후속연구에서는 실제 사용자를 대상으로 하여 구체적인 사용 의도와 영향 요인을 실증적으로 연구해 볼 필요가 있다.

• 한국심리학회지 : 문화 및 사회문제
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• 제29권1호
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• pp.75-99
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• 2023

본 연구는 심리부검을 통해 완결된 자살자의 자살행동과 자살위험요인을 탐색하고 이를 지표로 자살 유형을 살펴보는 데 목적이 있다. 또한 각 유형에 영향을 미치는 영향요인을 이차적으로 살펴보고자 하였다. 본 연구를 위해 128명의 완결된 자살자와 관련 유가족과 지인을 대상으로 심리부검 면담을 실시했고 유형 분석에 필요한 지표변수를 최종 선정하였다. 자살위험요인 지표변수로 정신장애, 자살/자해, 중대한 신체변화, 배우자간 갈등, 직장/학교 내 적응 및 관계문제, 실직/해고, 사업실패, 무직, 심각한 재정적 문제가 선정되었다. 자살행동 지표변수로 자살의지표현, 자살유서, 구조도움요청, 자살시간/장소/방법, 과거 자살/자해 시도, 자살자 최초발견이 선정되었다. 잠재계층분석(Latent Class Analysis)과 3단계 분석 방법(3-step method)을 이용하여 유형을 분석하였고 각 유형에 대한 차이를 규명하고자 외부변수(경제적 변화, 동거, 스트레스 존재/변화, 관계변화, 가족 중 정신장애/알코올문제/신체질병, 학교/직장 만족)를 활용하였다. 분석 결과 자살행동을 기반으로 한 유형 분석에는 5가지 계층(경제문제, 적응문제, 복합문제, 정신과문제, 사건반응), 자살위험요인을 기반으로 한 유형 분석에서는 3가지 계층(주거지-자살시도-가족발견형, 비주거지-비자살시도-지인발견형, 주거지-비자살시도-가족발견형)이 탐색되었다. 자살행동 기반 3가지 유형 간에는 성별, 결혼상태, 동거여부, 관계변화에서 유의미한 차이를 보였고 특히 유형 3(주거지-비자살시도-가족발견형)의 경우 다른 유형에 비해 동거중인 상태로, 기혼자일 가능성이 높고 대인관계 갈등이 두드러졌다. 자살위험요인 기반 5가지 유형 간에는 경제적 변화, 동거, 스트레스, 관계변화, 가족 관련 문제, 학교/직장 만족도에서 차이를 보였는데 특히 유형3(복합문제)은 상대적으로 가족 관련 문제는 없으나 개인적인 스트레스 발생과 악화가 두드러졌다. 향후 해당 유형과 유형별 영향요인에 맞는 자살예방과 위기개입 방안이 필요할 것으로 보인다.