• 한국생활과학회지
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• 제15권6호
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• pp.999-1014
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• 2006

The purpose of this study were to develop a financial management educational program for college students and to evaluate the effect of this program. In order to achieve this aims, a fundamental work to select the educational contents was preceded with a survey of learners' needs, preceding studies. After choice of educational contents, learners' demands on how to manage the educational program was executed in advance. The participants in this study were 500 students, resulting in 460 with usable data. Second, reflection the above mentioned educational contents, a concrete financial management educational program was built. This program consists of 9 domains: financial planning, careers and income, consumer spending, credit use and Credit cards, Managing Taxes, investment planning, risk management and insurance, retirement and estate planning, contribution. The participants for this program implementation were 68 students. Third, to evaluate the effects of the financial management educational program, paired t-test was conducted in using the SPSS package. The result suggested that financial management educational program has a positive effect on financial knowledge, financial attitude and financial management behavior. Several implications based on the findings were suggested.

• 가정과삶의질연구
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• 제27권1호
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• pp.1-16
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• 2009

Using the 2007 Fund Investors Survey, we investigated (1) the differences in economic status in terms of household income, consumption, saving, assets and debts, (2) the differences in financial management behavior, (3) and the differences in confidence in economic status after retirement between households conducting and not-conducting financial preparation for retirement. The major study findings were as follows. First, only 46.4% of the households were financially preparing for retirement. The levels of income, consumption, and saving were higher among households conducting financial preparation for retirement than among those not-conducting such financial preparation. Second, households conducting financial preparation for retirement had a relatively high propensity to save. Their financial asset portfolio had a higher weight in safety assets and investment assets than in retirement assets. Due to their lack of confidence in their economic status after retirement, their demand for financial preparation for retirement remained. Third, the households which did not conduct financial preparation for retirement tended to have a relatively heavy debt burden and not to implement general household financial management practices. Fourth, among the three-pillar retirement income system, the second pillar, of individual retirement account was not well established. Based on these results, various implications were suggested.

• 한국의류산업학회지
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• 제13권6호
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• pp.888-899
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• 2011

Fashion companies make use of diverse strategies to have a competitive edge as there is a growing fierce competition. According to earlier studies, consumers prefer the products and services of companies that direct their energy into CSR activities if there's little disparity in quality of products and services among the companies. The way consumers look at the CSR activities of businesses is very important for the companies since it is linked to their evaluation and image of the companies and indulgencies on their word-of-mouth, purchase and loyalty. It's not quite advisable for fashion companies to make an investment in CSR activities without any specific plans or conviction of the effectiveness of the activities. Actually, lots of domestic companies fail to success their CSR activities, despite of their hard efforts. This study was to examine the appropriateness of corporate CSR activities, the attitude of customers to companies and their intention of recommendation and purchase in detail, and to provide some information on strategy setting for the CSR activities of fashion businesses.

• 한국철도학회:학술대회논문집
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• 한국철도학회 2007년도 춘계학술대회 논문집
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• pp.194-200
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• 2007

The tilting train is able to tilt its body towards the center of the turning radius, preventing roll-over of the train as it runs on a curved rail at high-speed. This train, widely accepted for commercial purpose internationally is very beneficial in that the operating time is shortened without much capital investment to the infrastructure where there are many curved rails. Over several years, the Korea Railroad Research Institute(KRRI) has developed such a train. In this paper, the safety of the Korean tilting train express(TTX) is investigated using a dynamic simulation model. Since, proper safety standards have not been established for the TTX, those for the Korean train express(KTX) is employed instead to analyze the safety and ride comfort of the TTX. This study will prove useful in predicting the behavior of the TTX and ride comfort, and conforming that designed TTX measures up to the safety standards. It would be useful to recommend proper normal operating speed and determine the maximum safety speed, according to the result. Furthermore, it would be possible to provide basic reference data when analyzing the dynamic effect of the catenary system and the fatigue of the bogie.

• Geomechanics and Engineering
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• 제35권1호
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• pp.55-65
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• 2023

Soft clay is widely spread in nature and encountered in geotechnical engineering applications. The creep property of soft clay greatly affects the long-term performance of its upper structures. Therefore, it is vital to establish a reasonable and practical creep constitutive model. In the study, two updated hyperbolic equations based on the volumetric creep and deviatoric creep are respectively proposed. Subsequently, three creep constitutive models based on different creep behavior, i.e., V-model (use volumetric creep equation), D-model (use deviatoric creep equation) and VD-model (use both volumetric and deviatoric creep equations) are developed and compared. From the aspect of prediction accuracy, both V-model and D-model show good agreements with experimental results, while the predictions of the VD-model are smaller than the experimental results. In terms of the parametric sensitivity, D-model and VD-model are lower sensitive to parameter M (the slope of the critical state line) than V-model. Therefore, the D-model which is developed by incorporating the updated deviatoric creep equation is suggested in engineering applications.

• 가족자원경영과 정책
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• 제10권2호
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• pp.43-59
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• 2006

The purpose of this study was to examine university students' consumption-orientation and attitude toward conspicuous consumption as well as to identify the factors that are most influential on consumption-orientation and conspicuous consumption behavior. The major findings of this study are summarized below. First, the average scores of consumption-orientation and conspicuous consumption were 2.71 and 3.15 respectively, on a 5 point scale. Second, the most influential factor on university students' consumption-orientation was friends' influence. Third, the most influential factor on conspicuous consumption was students' perceived social status. Fourth, conspicuous consumption tendency and consumption-orientation were significantly higher for those students with larger amount of allowances, female students, or the students who are working. Fifth, the university students' consumption-orientation and conspicuous consumption tendency were significantly higher for the students whose parents' child-rearing style is inconsistent or excessive investment. Finally, the consumption orientation has a significant positive relationship with conspicuous consumption.

• 한국수자원학회:학술대회논문집
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• 한국수자원학회 1983년도 제25회 수공학 연구발표회 논문초록집
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• pp.78-79
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• 1983

It is well known that small amplitude wave theory, a first approximation to the complete theoretical description of wave behavior, yields a maximum investment in mathematical endeavor. But, if the wave amplitude is large, the small amplitude considerations are not valid, and finite amplitude wave theory which retains higher-order terms to obtain an accurate representation of the wave motion is numercal theory. The Stream function wave theory, one of the numerical methods, was developed by Dean for use with asymmetric measured wave profiles and with symmetric theoretical wave profiles. Dalrymple later improved the comjputational procedure by adding two Lagrangian constraints so that more efficient convergence of the iterative numerical method to a specified wave heigh and to a zero mean free surface displacement resulted. This paper introduces in details the Dean and Darlymple Stream Function Method in case of the symmetric theoretical wave, because in design purposes, wave height and wave period are given.

• 한국경영과학회지
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• 제30권4호
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• pp.83-97
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• 2005

We could confirm through this study that in the company which has secured its agility in an information technology dimension, a process dimension and an organization behavior dimension as a real time enterprise, various agility competences of that company are used more effectively for productivity Improvement, development on new products and customer satisfaction. Therefore, based on these determinant factors, it has been proved that an individually differentiated investment of technical and organizational resources for development and innovation of new products has contributed affirmatively to get a more efficient enterprise performance : and, in this point, it is verified again that the agility secured through a conversion toward the real time enterprise (RTE) is a more effective plan to increase the enterprise performance.

• Journal of Information Technology Applications and Management
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• 제22권2호
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• pp.113-122
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• 2015

Collective intelligence can be an influential factor of decision-making based on collaboration and information exchange between individuals. Our study explores whether collective intelligence can mitigate the loss aversion effect, bias and error in human judgment, and collective intelligence in online communities can reduce the loss aversion effect. Our community settings display both individual-level and group-level loss aversion effect, investigate effective collective intelligence characteristics like investment commitment, participant experience. Using a multi-method approach our research comprises a web-based experiment with 100 participants investing 3 situations from a real-world community, data from a survey measuring loss aversion behavior of participants. The results suggest the loss aversion effect mitigates under the online-circumstance. Overall, our results suggest that, while collective intelligence mitigates the loss aversion effect, participants do not transfer these results to other settings.

• 지식경영연구
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• 제18권1호
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• pp.49-65
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• 2017

Financial products entail either gains or losses, and customers' psychological reaction to these gains and losses affect the selection of the financial products. This study explains the financial customers' behavior by introducing consumers' psychological variables such as loss aversion and construal levels. According to the construal level theory, people use more abstract and higher levels of construal to represent objects that are more distant on psychological distance. Based on extant research about loss aversion and construal levels, this study proposes two hypotheses and test the hypotheses. The experimental study examines how loss aversion affects the choice between deposit products and fund products in short-term and long-term investment situations. In the long-term condition the respondents prefer fund products to deposit products, whereas in the short-term condition the respondents have showed the opposite result. Also, the effects of loss aversion on preferences for financial products have interacted with the time horizon of investments. Implications and limitations are discussed to establish more effective marketing strategies based on the results of this study.