• 대한수학회지
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• 제38권5호
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• pp.1031-1046
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• 2001

The paper studies the evolution of the financial markets and pays the basic attention to the role of financial innovations (derivative securities) in this process. A characterization of both complete and incomplete markets is given through an identification of the sets of contingent claims and terminal wealths of self-financing portfolios. the dynamics of the financial system is described as a movement of incomplete markets to a complete one when the volume of financial innovations is growing up and the spread tends to zero (the Merton financial innovation spiral). Namely in this context the paper deals with the problem of pricing risks in both field: finance and insurance.

• 한국컴퓨터정보학회논문지
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• 제24권10호
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• pp.251-256
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• 2019

본 논문에서는 대학재정지원사업의 사업 프로세스 및 관리 특성을 분석하여 대학재정지원사업 통합정보관리시스템 구축을 위한 기능을 정의하였다. 이를 위해 대학재정지원사업의 사업 프로세스를 살펴보았고 이를 통하여 공통으로 필요한 6가지 기능을 도출하였다. 도출된 기능을 적용한 통합시스템 구축을 위해서 먼저 선행되어야 할 사항들은 사업 기획 단계에서 통합을 고려한 사업 관리 체계를 표준화하고 회계 관련 규정의 정리가 필요하다. 본 논문에서 도출된 기능들과 시사점을 바탕으로 향후 대학재정지원사업 통합정보관리시스템 설계하는데 도움이 될 것으로 기대한다.

• 정보보호학회논문지
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• 제28권3호
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• pp.743-763
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• 2018

클라우드 시스템 개념이 출현한지 10여년이 지났고, 비용의 효율성 및 보안성이 검증 되었음에도 불구하고, 금융 회사에서는 클라우드 시스템 도입을 주저하고 있다. 고객정보 유출과 관련한 금융당국의 강력한 규제가 주된 이유겠지만, 금융기관들의 클라우드 시스템 도입에 대한 방향성과 기준이 부재한 것도 중요한 이유라고 생각한다. 본 연구에서는 금융회사의 클라우드 시스템 도입에 대한 법적 제도적 제약사항을 살펴보고, 금융기관들이 IT시스템을 구축할 때 클라우드 시스템 적용 가능 여부와 클라우드 시스템 구성 형태를 결정하는 의사결정 모델을 제시하고자 한다. 본 연구가 많은 금융기관들의 클라우드 시스템 도입 방향성을 수립하는데 많은 도움이 되기를 희망한다.

• The Journal of Asian Finance, Economics and Business
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• 제7권12호
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• pp.845-852
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• 2020

The study aims to investigate the implementation of the internal quality assurance system (IQAS) on HEIs performance, mediated by financial management accountability. The commitment from foundation leadership on financial management accountability and their implications for HEIs' performance is also carefully examined. This study employs samples of 108 respondents from the leadership of private HEIs under Region IV Service Institutions. The purposive sampling, as a part of non-probability sampling was chosen as the sampling technique. Statistical data analysis conducted by use the structural equation model to test the hypothesis. The results reveal that the implementation of IQAS does not influence the financial management accountability, but it has an essential role on HEIs' performance. Moreover, foundation leadership's commitment has a significant positive effect on financial management accountability and HEIs' performance. Financial management accountability also has a significant positive effect on HEIs' performance. Financial management becomes important because the entire activities of HEIs should end with financial reporting. Therefore, financial and non-financial aspects are two interrelated and complementary aspects in the accreditation process. The findings of this study suggest that that performance measurement is very crucial as a part of the efforts to meet the general accountability requirement for organizations, particularly in HEIs.

• 한국인터넷방송통신학회논문지
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• 제17권4호
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• pp.209-218
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• 2017

날로 고도화 지능화 되는 금융보안 위협에 효율적이고 선제적으로 대응하고, 금융 이용자가 안전하게 금융서비스를 제공받을 수 있도록 금융권의 전문적인 정보 보안인력이 필요한 실정이다. 하지만 2015년 기준 금융IT 보안인력은 금융IT인력 중 4.9%로 전년대비 다소 증가하였으나, 여전히 낮은 수준이다. 이에 본 연구에서는 점차 금융 보안전문 인력들의 증가가 예상되는 가운데 금융 보안 전문 인력들의 최소한의 업무수행능력 검증과 보안의식 제고를 위하고 기존 보안자격제도의 과목과 금융보안원 및 금융감독원에서 제시한 교육커리큘럼 및 검사기법들을 비교분석하여 금융 분야에 특화된 정보보안 전문자격 도입 필요성에 대하여 연구하고자 한다.

• 융합보안논문지
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• 제14권5호
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• pp.31-36
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• 2014

금융ISAC은 금융분야의 보안관제센터로서 금융사를 모니터링하고 보안서비스를 제공한다. 금융ISAC은 해킹이나 바이러스 등 외부공격에 대해서는 신속한 대응을 통해서 피해를 최소화하지만 내부공격에는 대처하지 못하는 문제가 있다. 최근 정보자원의 효율적 관리와 안정적 운영을 위하여 그리고 온라인 해킹범죄에 공동으로 대응하기 위하여 정보공유시스템에 대한 필요성이 국내외를 막론하고 날로 증가하고 있다. 본 논문에서는 금융ISAC에 개인정보 공유분석 센터를 병행 설치하여 보안서비스 제공뿐만이 아니라 개인정보가 유출되었을 시 유출된 정보로 인한 2차 피해를 방지할 수 있는 개선된 금융ISAC을 제안한다. 제안된 금융ISAC은 금융사 정보유출시 유출정보와 같은 아이디와 비밀번호가 사용되는 다른 금융사에 새로운 비밀번호를 생성하여 제공하고 금융정보가 유출되었을 경우에는 피싱 등에 주의하라는 경고를 한다.

• The Journal of Asian Finance, Economics and Business
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• 제8권5호
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• pp.21-27
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• 2021

The financial sector is one of the most important building blocks of the economy. When this sector efficiently implemented a well-crafted program on banking and financial system to translate financial activities to income-generating activity, economic growth will be realized. Hence, this study analyzed the effect of financial intermediation on economic growth and the existence of cointegrating relationship using time-series data from 1986 to 2015. The influence of financial intermediation in terms of bank credit to bank deposit ratio, private credit, and stock market capitalization and time trend to economic growth was estimated using ordinary least squares (OLS) multiple regression. The results showed that all the financial intermediation indicators and time trend exert significant effect on Gross Domestic Product (GDP) per capita. The positive sign of the time trend indicates that there is an upward trend in GDP per capita averaging approximately 0.06 percent annually. Furthermore, the cointegration test using the Johansen procedure revealed that there is a presence of long-term equilibrium relationship between financial intermediation and time trend and economic growth, and rules out spurious regression results. This study established the idea that financial intermediation in the Philippines has a significant and vital role in stimulating growth in the economy.

• 국제학술발표논문집
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• The 6th International Conference on Construction Engineering and Project Management
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• pp.698-699
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• 2015

For last three years, our research team have conducted the project named "Development of construction project management technology based on BIM/GIS platform. "We developed construction cost estimation system as well as 3D modeling engine at the first two year and established a web-system which could estimate the benefits of the project and further analyze the economic and financial feasibility of the project. This paper mainly focused on the functions and specifications of web-system. The system was composed of two modules: economic feasibility estimation module and financial feasibility estimation module. While the economic feasibility estimation module determines economic feasibility of the project based on traffic demand forecasting from the public's perspective, the financial feasibility estimation module determine financial viability of the project using toll fee of the road from private entity's perspective. Compared with traditional feasibility study, the proposed system provide users with better flexibility which can make users easily to validate the project upon the change of project environments. The system was also verified with an already accomplished project. The verification showed that proposed system could provide satisfactory accurate results with reduced time and resources.

• 가정과삶의질연구
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• 제16권3호
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• pp.141-154
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• 1998

The purpose of this study was to examine a path model that investigated the relations among socioeconomic variables. financial management and financial satisfaction of urban households. for this purpose conceptual framework based on the system theory of family resource management was suggested. Data were collected from questionaire with 254 financial managers who were residents of Seoul. The major findings of this study were as follows: (1) The variables that effected financial satisfaction directly ere financial knowledge monthly saving amounts the gap between the level and standard of living and financial implementing. The financial planning effected indirectly on financial satsfaction through financial implementing. (2) The findings of this study provided support for a systems approach to family financial management. There result indicated that it is the combined effect of inputs and throughputs that effects the output of financial satisfaction.

• 가족자원경영과 정책
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• 제1권2호
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• pp.31-43
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• 1997

The purpose of this study was to analyze financial management and satisfaction of the elderly households using System’s Approach. 1) Financial management behavior was influenced by age, present job, husband’s job before retirement, assets, family income, living expenses, experiences of financial management. 2) Financial satisfaction was influenced by age, present job, husband’s job before retirement, assets, family income, living expenses, experiences of financial management, and assessment of family financial conditions. 3) The result of regression analysis of input variables on the throughput variable showed that age of respondent and the middle age experiences of financial management emerged as predictors of financial management. There variables accounted for 48% of variance in the financial management behavior. 4) When financial satisfaction was regressed against input and throughput variables, 55% of the total variance of the financial satisfaction was explained by financial goal and assessment of family conditions.