• KDI Journal of Economic Policy
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• 제32권1호
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• pp.1-26
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• 2010

대출자산의 증권화는 자산부실위험을 분산시키려는 취지로 도입하였으나 실제로는 자산부실을 키우고 금융중개부문의 취약성을 키우는 결과를 낳았다. 본 논문은 증권화와 자산부실 문제를 다룰 수 있는 금융제도 전반의 위험을 분석할 수 있는 회계 프레임워크를 고려한다. 미국의 증권화제도는 긴 중개사슬을 낳았고, 위기 시에 취약한 구조가 되었다. 유럽에서 사용되는 커버드본드 제도는 짧은 중개제도와 부합하는 제도로서 금융제도의 안정성에 도움이 된다. 한국의 금융제도도 부채의 안정성을 감안할 때 커버드본드의 혜택을 볼 수 있을 것으로 예상된다.

• 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.

• The Journal of Asian Finance, Economics and Business
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• 제7권11호
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• pp.205-218
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• 2020

This study aims to analyze the influence of financial inclusion on micro-, small-, and medium-sized enterprises' (MSMEs) performance and examine the mediation role of financial intermediation and access to capital. The object of this study is MSMEs in Malang, Indonesia. The sample consists of 100 MSME actors in Malang City, which is determined using Roscoes theory. The data is collected using Simple Random Sampling method, by distributing questionnaire measured with Likert scales. The hypotheses proposed in this study are examined using Partial Least Square (PLS) model. The results of this study show that financial inclusion influences MSMEs' performance both directly and indirectly through mediation from financial intermediation and access to capital. The direct influence means that the efforts to increase access to financial services, especially access to credit financing for MSMEs, will be able to increase market share, number of workers, sales, as well as profit of the MSMEs. Increased financial inclusion has a major impact on improving MSMEs' performance through financial intermediation compared to access to capital. This means that the increase of financial access for MSMEs followed by an increase in financial intermediation in the form of a financial service approach to MSMEs will improve MSMEs' performance.

• 유통과학연구
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• 제21권4호
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• pp.69-80
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• 2023

Purpose: In the landscape of global challenges, the adoption of new technologies and the implementation of intellectual capital are seen as the main vehicles to enhance banking operations. Inspired by this issue, our study is to discover the effect of technological investments and intellectual capital on one of the most important dimensions of banking operations, namely deposit intermediation. Research design, data and methodology: To tackle this concern, we utilize the data of 12 banks from 2011 to 2020 in Vietnam, and perform the multivariate regression analysis as well as provide different robustness tests. Results: Our empirical analysis demonstrates that a surge in technological expenditures would foster distribution of deposit intermediation of banks. Also, the blend of technology spending and intellectual capital plays a key role in boosting this function of banks. Conclusions: The study would bring one of new evidence for bank managers and national authorities in Vietnam, where has undergone the completely reform period in banking system. Accordingly, technological innovation and intellectual capital should be taken into consideration when managers and regulators build business strategies and related policies. The findings are also useful for nations bearing a close resemblance to Vietnamese financial system.

• 한국경영정보학회:학술대회논문집
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• 한국경영정보학회 2007년도 International Conference
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• pp.378-381
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• 2007

Traditional intermediaries refer to service providers such as travel agents, real estate brokers, job agencies and insurance agents which matching services for buyers and suppliers in a traditional market. The introduction of Electronic commerce resulted in the automation of many tasks provided by intermediaries and seemed to eliminate the role of many traditional intermediaries, which is called disintermediation. However, depending on their market power, traditional intermediaries either will be disintermediated or fill new roles by providing added value and assistance, which is called reintermediation. According to the research of Alina M. Chircu et al. there are three conditions for reintermediation for traditional intermediaries. Three conditions are weak appropriability of EC innovations, ownership of co-specialized assets for both market intermediation and EC innovations and economies of scale. Besides these three reintermediation conditions, we hypothesize that leveraging BPO can be a suitable strategy for traditional intermediaries to be transformed into reintermediaries. Business Process Outsourcing (BPO) is the leveraging of technology or specialist process vendors to provide and manage an organization's critical and/or non-critical enterprise processes and applications. This paper will investigate the relationship between above reintermediation conditions including BPO and reintermediation.

• 한국경영과학회지
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• 제35권3호
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• pp.1-24
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• 2010

As the Internet is explosively growing and the market is rapidly globalized, many entrepreneurs have been given an impetus to take on the function of the intermediation between providers and customers. Organizations performing the mediating roles in the cyberspace are termed 'cybermediary' and often called 'Openmarket' as a kind of transactional cybermediary in Korea. Despite sustainable growth of Openmarket, customer complaints and damages are increasing because of absence of recovery standards after a service failure. Therefore, it is important that a service provider converts dissatisfied customers to advocates for the growth of the Openmarket. This study aims to examine the role of recovery of the service failures for the Openmarket by proposing a relationship between complaint handling and continuance based on the equity theory. From the empirical results, we found that interactional equity had significant effects on both overall service satisfaction and recovery satisfaction, while procedural equity significantly influenced only recovery satisfaction. Recovery satisfaction also had an impact on overall service satisfaction and each satisfaction factor was positively related to continuance intention.

• 대한한의학원전학회지
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• 제27권2호
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• pp.49-67
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• 2014

Subject : The Association between Extraordinary Organs(奇恒之腑) and Eight Extra Meridians(奇經 八脈). Objectives : This study research some special aspects of Extraordinary Organs and Eight Extra Meridians which differentiated from ordinary Organs and Meridians, and the association between Extraordinary Organs and Eight Extra Meridians. Methods : First, researched classification standard and physiological characteristics of Extraordinary Organs through studying various chapters of HuangdiNeijing. Second, researched The Association between Extraordinary Organs and Eight Extra Meridians through studying on the origin of Eight Extra Meridians in HuangdiNeijing. Third, from accompanying researching the subject of Cheon-gye(天癸) and human body shape, draw synthetic hypothesis on the relationship among ordinary Meridians and Organs, muscles and skins of body shape, Extraordinary Organs and Eight Extra Meridians. Results & Conclusions : The following conclusions could be drawn. 1. Extraordinary Organs afford background for shaping human body. This is same as the properties of the earth which afford background for shaping all creations. The physiological characteristics of Extraordinary Organs is intermediation and regulation between Ki(氣) of Five Viscera & six Bowels and shape of muscles & skins in human body. 2. The origin of Eight Extra Meridians could be found in HuangdiNeijing. The collateral Meridians of the Uterus and Epiglottis Meridian are specifically formulated to supplying for the Uterus or Epiglottis. From this we can draw The Association between Extraordinary Organs and Eight Extra Meridians, that is Eight Extra Meridians are specifically formulated to supplying for Extraordinary Organs. 3. The Cheon-gye(天癸) is doing significant function in Eight Extra Meridians supplying for Extraordinary Organs. Cheon-gye concerned to growth, secondary sexual characters, generative function, aging process. Theses are all concerned with the changing of human body shape. Cheon-gye urge to change the body shape with following the human life cycle. 4. Human body has vertical symmetry because preserve its shape from the gravitational force. Eight Extra Meridians place at the middle or flank axis of human body, thus do physiological function that assistant human body have vertical symmetry shape. The purpose of shaping vertical symmetry is securing space what the inner Twelve Regular Meridians and Five Viscera & six Bowels create there own physical changes. On the other hand the inner changes need deviation between left and right because of mobility and circulation of force. But human body change the shape in the process of growth, reproduction, aging. Eight Extra Meridians play role at time of these processing, thus they deeply concerned to human's life cycle and reproduction. 5. Eight Extra Meridians and Extraordinary Organs were named 'Extra' because of some special aspects which differentiated from ordinary Meridians and Organs. All they play role to have vertical symmetry shape of human body and maintain the shape, thus they deeply concerned to the change of human life cycle. These shaping maintaining and the change of human life cycle are very special aspects of human body. So they needed to differently cognize separate to the ordinary changes of Five Viscera & six Bowels and Twelve Meridians at inner space.

• 벤처창업연구
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• 제10권1호
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• pp.1-12
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• 2015

본 연구에서는 중소기업 종업원의 지각된 기업특성과 개인특성이 직무만족에 미치는 영향을 살펴보고 특히, 기존의 연구에서 확장하여 기업혁신성이라는 기업관련 변수를 추가하여 살펴보았다. 이러한 연구는 중소기업의 CEO들이 조직구성원의 직무만족을 유발시키고 변화하는 글로벌 사회의 환경에 초점을 맞추어 관리방안들을 모색할 수 있도록 하여 조직의 활성화를 도모하고, 경영의 개선이나 제도적 발전을 위한 제언이 될 것이다. 본 연구는 중소기업 종업원들을 대상으로 약 2개월간 실시하였으며, 실증적 분석의 결과 첫째, 중소기업 종업원의 지각된 기업특성과 개인특성이 직무만족에 정(+)의 영향을 미치는 것으로 나타났으나, 이중 직무스트레스가 직무만족에 영향을 미친다는 가설은 유의하지 않았다. 둘째, 중소기업 종업원의 지각된 기업특성과 개인특성이 기업혁신성에 미치는 영향관계 중 조직유연성과 CEO의 리더십, 회사의 의사소통과 부서간, 개인간 협력정도, 지각된 개인의 특성에서의 개인의 도전성은 기업혁신성에 영향을 미치는 것으로 나타났으나, 직무스트레스는 영향을 미친다는 가설은 유의하지 않았다. 셋째, 기업혁신성은 직무만족에 정(+)의 영향을 미치는 것으로 나타났으며, 네째, 기업혁신성이 종업원의 지각된 기업특성 및 개인특성과 직무만족 사이에서의 매개효과 검증에서는 조직유연성과 소통과 협력은 부분매개를, CEO의 리더십은 완전매개 하는 것으로 나타났고, 개인의 도전성과는 완전매개를, 직무스트레스는 매개효과가 검증되지 않았다. 이러한 결과는 독립변수인 중소기업 종업원의 지각된 기업특성과 개인특성은 직무만족과의 직접적인 관계일 뿐아니라, 기업의 혁신성에 따라 매개되는 간접효과도 가진다는 것을 시사한다. 그러므로 중소기업 종업원들의 직무만족을 높이기 위해서는 기업의 혁신활동의 성과도 중요하다는 것을 알 수 있었다. 특히, 리더십과 개인의 도전성은 기업의 혁신성을 통해 완전 매개되므로 중소기업 종업원의 직무만족을 높이기 위해서는 조직의 혁신성 노력이 동시에 추진되어야 효과가 있다고 할 수 있겠다.

• 한국콘텐츠학회:학술대회논문집
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• 한국콘텐츠학회 2009년도 춘계 종합학술대회 논문집
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• pp.341-347
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• 2009

본 연구에서 온라인 게임의 사용자를 대상으로 온라인 게임 중요속성의 4가지 하위 차원인 오락성, 도전성, 상호작용성, 그리고 현실성이 고객만족에 미치는 영향과 만족도가 충성도에 미치는 영향을 분석하였다. 또한 충성도에 영향을 주는 변수로 주목받고 있는 전환장벽이 고객만족과 고객충성도의 관계에 있어서 매개효과가 있는지 분석하였다. 분석결과 온라인 게임 중요속성을 구성하는 차원 중에 오락성, 도전성, 상호작용성이 고객만족에 영향을 미치고, 고객만족이 고객충성도에 유의한 영향을 미치는 것으로 나타났다. 또한 온라인 게임 전환에 따른 비용은 고객충성도에 정(正)의 영향을 미치고, 다른 경쟁게임의 대안의 매력도도는 고객충성도에 부(負)의 영향을 미치는 것을 확인하였다.

• 디자인학연구
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• 제17권4호
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• pp.327-336
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• 2004

현대는 점점 더 기호의 복잡성으로 다양한 의미를 생산해내는 문화가 지배적으로 되어가고 있다. 정보의 매개체로서 중요한 캐릭터란 시각을 통해서 경험하는 대상물의 본질적인 특성이다. 캐릭터는 형태에 의해서 상징적인 의미를 가지며 기호화된다. 애니메이션에 있어 캐릭터는 단순히 이미지의 표현이 아닌, 하나의 기호에 또 다른 기호를 중첩시켜 의미 작용을 확장시켜 가는 시각커뮤니케이션이다. 이러한 시각커뮤니케이션 수단으로서의 캐릭터에 표출된 시각적, 문화적 요소의 분석은 애니메이션에 나타난 캐릭터가 단순히 미학적 매커니즘이 아닌 새로운 스타일을 이끌어가는 문화코드로서의 역할을 수행할 수 있다는 가능성을 제시하고자 하는 것이다. 이를 위해 퍼스의 기호 유형 범주인 도상, 지표, 상징이라는 개념을 들어 영화 ‘슈렉’에 나타난 캐릭터의 외모와 성격적 특성에 대해 체계적인 분석을 시도하면서 애니메이션이 나타내고 있는 기호현상들을 연구하였다.