• 대한가정학회지
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• 제31권3호
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• pp.89-100
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• 1993

Recently, comprehensive financial service system based on individual, households' economic security and financial independence has emerged as a professional service system in America, while it has not been studied in our country. In order to develop conceptual model of Financial Service System, this paper reviewed ; 1) the concept of financial problem divided into tow dimension, such as financial resource and financial demand, 2) theories of financial service system, further this work also included the identification of relations between financial problem and financial service system.

• 가족자원경영과 정책
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• 제3권1호
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• pp.51-65
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• 1999

The purpose of this study is to structure finance management education programme and to provide basic data orienting finance service system by means of analyzing the level of financial problem and its influential variables. The following is the result of this study: First, the level of financial problem perceived by housewife in urban areas is in the following order ; property which is perceived the least. Second, the level of financial problem perceived by housewife in urban areas is dependant on housewife age, husband education level, husband occupation, the degree of property, the degree of debts, tendency of fortune control, tendency of materialism, feeling of appropriate resource. It is especially noting that housewife in forties shows high level of financial of financial problem recognition than housewife in twenties does. This indicates needs for middle for middle-aged home management in which happens house moving to larger size, education of children, marriage of children, preparation for stabilization basis after children’s marriage, and shortage of surplus money. Third, variables which affect all sub-areas are family property sum, tendency of materialism, feeding of appropriate resources. The less family property sum, the stronger tendency of materialism, and the more perceive feeling of appropriate resources, the more perceive they financial problems.

• 가정과삶의질연구
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• 제10권2호
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• pp.191-208
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• 1992

The study is focused on the perception of husbands and wives family financial security and satisfaction with quality of family life. Data was collected from the husbands and wives in Seoul. Eligibility was limited to family units with husband, wife, and at least one child. 852(Husbands:432, Wives: 420) out of 1200 respondents were finally selected as datum sources. The data was analyzed by Frequency, OneWay-ANOVA, t-test, Pearson' correlation and regression analysis. The major findings are the following: 1) In regard to the perception of family income adequacy, wives' perception was higher than husbands'. On the family financial problem, husbands had more experienced the financial problem than wives. 2) Marriage education, family income, husbands and wives education , and savings effected satisfaction with quality of family life. and husbands are more satisfaction with quality of family life than wives. 3) Determined the impact of the perception of family financial security on the satisfaction with quality of family life was 41% for wives and 33% for husbands, respectively.

• 가정과삶의질연구
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• 제20권2호
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• pp.21-28
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• 2002

The purpose of this study was to investigate how the financial satisfaction of housewives was related with the financial condition of households and the performance evaluation of household financial management behavior. In order to examine this relationship, internet questionnaire survey was conducted with 598 housewives. Results showed that household income and monthly debt repayment had only indirect effects on the financial satisfaction while monthly saving had both of the direct and indirect effects. It indicates that financial satisfaction level varies with the perceived performance of financial management behavior even though they have the same level of financial resources. Specifically, the division of financial roles and problem solving style between husband and wife affected the financial satisfaction of housewives.

• The Journal of Asian Finance, Economics and Business
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• 제8권7호
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• pp.139-150
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• 2021

The financial system is a relatively important sector in the economy of a country. Its role in providing access to financial services to people is able to support a better economy. The main problem in this financial system is caused by the barriers that prevent individuals or companies from accessing these financial services. This study aims to empirically analyze the relationship financial inclusion and financial system stability in ASEAN 4 (Indonesia, Malaysia, Thailand, and The Philippines). Financial inclusion proxied by the financial inclusion through credit variable and other banking variables such as the number of financial services access, banking asset, and financial system stabilization is seen from banking performance through non-performing loan and Z score instruments. Empirically, the study uses panel data in the form of annual data for 2005-2016. The method used Panel VAR. The result shows that financial inclusion affects the stability of the financial system in ASEAN 4. This indicates that financial development through financial inclusion can encourage stability of the financial system in ASEAN 4. In this globalization era, the integrated financial system is increasing, this research shows the importance of developing financial inclusion by eliminating barriers to financial exclusion.

• The Journal of Asian Finance, Economics and Business
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• 제7권6호
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• pp.1-8
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• 2020

The research examines how interactions of financial literacy and peer effect indicators impact financial market participation of Vietnamese investors. In this research, financial literacy indicator is constructed from two levels, namely, basic financial literacy and advanced financial literacy. An empirical study was carried out by investigating 387 individuals who are currently working in finance-related areas such as banking, insurance and real estate industries. The findings indicate that individuals with higher level of financial literacy, specifically those with advanced financial literacy level, tend to participate in financial market. However, individuals with basic financial literacy level tend to walk away from financial market because the nexus between basic financial literacy and financial market participation is found negative statistically significant. The findings also suggest that peer effect and perceived financial literacy have a positive significant relationship with financial market participation. These findings remain robust after endogenous problem is addressed by employing instrument variable (IV) method, especially Ivprobit regression. Hence, these findings recommend that policy-makers should design and develop financial literacy programs, specifically at sophisticated level, to adapt and overtake the trend in financial innovation development. This should be done, not only on individual, but also national scale to ensure greater financial market participation.

• 디지털융복합연구
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• 제13권5호
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• pp.31-39
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• 2015

본 연구는 한국소비자원의 2013 한국의 소비생활지표의 원자료를 활용하여 기술적 정보를 제공하는 금융영역에서의 소비자 문제 경험을 확인하고, 이에 영향을 미치는 요소들을 탐색하였다. 금융 영역은 기술적 정보 영역에 해당하여 소비자 문제 경험 분석 시 지식 등 객관적인 역량 중심의 접근이 아니라 기술적 정보 영역의 특성에 근거해 융복합적 관점으로 영향요인을 탐색하는 것이 중요하다. 기술적 정보로서 금융영역에서는 정확한 정보의 제공 및 비교정보에 대한 요구가 높은 것으로 나타났다. 또한 문제경험에의 영향 변수를 탐색한 결과 소비자 개개인의 주관적인 금융 역량이 문제경험을 줄이는 것에 의미 있는 변수로 확인되었으며, 50대 이상의 고령 소비자들은 금융영역에서 더 많은 문제를 경험하고 있는 것으로 확인하였다. 이를 통해 기술적 정보 영역인 금융영역의 경우 금융정보의 효율적인 전달 방안에 관한 모색, 고령자에 대한 판매접점에서의 추가적인 노력 방안이 요구되며, 그 동안 객관적 금융역량을 강화하기 위한 방안에 초점이 맞추어져 있었으나, 향후 주관적 금융역량 강화를 위한 방안에 대한 연구가 요구된다.

• 산업경영시스템학회지
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• 제35권3호
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• pp.24-31
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• 2012

Priority rules or sequencing heuristics conventionally used to determine resource allocation is to maximize the earned value on time and cost. This study provides a effective strategy-oriented approach for the program resource management problem with limited same resource, which systematically connects individual project objectives to the overall organizational goal, by introducing financial values as well as priority rules in a broader context. It deals with the resource allocation problem as the decision making problem in the strategic management paradigm to meet business objective and solves it using the analytic hierarchy process, and explains the method of application and usefulness through some simulation cases.

• 정보보호학회논문지
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• 제27권2호
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• pp.373-381
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• 2017

현재 국내 금융거래에서는 공인인증서를 중심으로 하는 다양한 사용자 인증방식이 사용되고 있다. 이러한 공인인증서 방식은 사용자가 개별 금융사의 웹서버에 접속할 때마다 서로 다른 보안모듈을 설치해야 하는 문제가 있다. 금융사 중심의 이러한 인증방식은 앞으로 생체인증 등의 차세대 인증방식이 새롭게 도입될 때마다 금융사마다 새로운 보안모듈을 추가적으로 설치해야 하는 문제가 발생한다. 이러한 문제를 해결하기 위해 본 논문에서는 금융거래 시 각 금융사를 대신하여 사용자 인증을 전담하는 통합 인증기관을 상정하고, 이를 중심으로 사용자 및 금융사 웹서버 삼자 간에 안전한 사용자 인증을 처리하는 통합인증 프로토콜을 제안한다. 새로운 인증 프로토콜은 OAuth2.0을 변형하여 안전성과 효율성을 증가한 프레임워크로써, 인증서버 및 금융사 웹서버 간 사전에 공유된 비밀키로 도전-응답 프로토콜을 수행하는 것이 특징이다. 이를 통해 사용자는 편리하고 안전한 통합인증(SSO: Single-Sign-On) 효과를 누리게 된다.

• 지식경영연구
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• 제21권2호
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• pp.177-196
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• 2020

Since the adoption of K-IFRS(Korean International Financial Reporting Standards), the amount of financial footnotes has been increased. However, due to the stereotypical phrase and the lack of conciseness, deriving the core information from footnotes is not really easy yet. To propose a solution for this problem, this study tried financial footnote analysis for financial ratio predictions based on text-mining techniques. Using the financial statements data from 2013 to 2018, we tried to predict the earning per share (EPS) of the following quarter. We found that measured prediction errors were significantly reduced when text-mined footnotes data were jointly used. We believe this result came from the fact that discretionary financial figures, which were hardly predicted with quantitative financial data, were more correlated with footnotes texts.