• Title/Summary/Keyword: Payment Systems

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The Persistent Effects of Retirement Pension Reserves - Debate on the effectiveness of the IRP Program (노후소득보장을 위한 퇴직연금 보유의 지속성 분석 -IRP의 실효성 논쟁 중심으로-)

  • Yim, Doobin;Jeon, Yongil
    • Journal of Labour Economics
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    • v.38 no.4
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    • pp.1-29
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    • 2015
  • The Individual Retirement Pension (IRP) enables workers to continuously receive a retirement pension even when workers change their jobs in different companies and so it performs a bridge fund as the complimentary living expenses until they receive government public pension. Although the Korean government has forced workers to maintain an IRP account until their retirement age and to close their accounts only when they want to do so, it is not clear to measure its really effectiveness and, in fact, most of IRP accounts have been terminated immediately after the changes of their jobs. In this respect, IRP has not performed the bridge role for the future retirement pension income. We provide an economic decision-making model of both government and workers, where the retirement benefits related with the IRP are explicitly considered. Our model is required to select specific severance pay systems to maximize the income security and stability for their future old ages. It is concluded that the need of workers on the severance pay system is automatically revealed into the switch to IRP when workers are out from their current jobs, which is equivalent to the effect of gradually unifying the dual system of the retirement payment. In additoin, our empirical data indicates the relatively higher probability of termination on IRP for the older male workers having the more retirement deposit.

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Actor's Role and Networks in the Environmentally Friendly Farming in Busan Metropolitan Agricultural Region (부산 김해평야 농업지역 친환경농업의 행위자-연결망 연구)

  • Kim, Ki-Hyuk
    • Journal of the Korean association of regional geographers
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    • v.9 no.3
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    • pp.276-296
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    • 2003
  • This study is to analyze the adoption of environmentally friendly fanning(EFF) by Actor-Network Theory(ANT). ANT declares that the world is full of hybrid entities containing both human and non-human elements and maintains that adoption of an innovation comes as a consequence of the action of everyone in the chain of actors who has anything to do with it. In this study, adoption of EFF will be analysed through the role of actors and networks. And this paper try to identify the intermediaries and obligatory passage point(OPP) in each networks. In study area, 5 actors, -nature, governmental institute, food processors, consumers and farmers-, have each roles in their networks, But only 18 farmers adopted EFF. This study revealed that three OPPs were not overcome in each network. The one is nature, such as water and soil pollution. Another is shortage of reliability between farmers and governmental institute. The other is shortage of information about agricultural commodity trade. And through this application of ANT to the EFF, we contend that ANT can be useful for studies of diffusion of EFF and sustainability of rural systems in situations where interactions of the social, technological and political are regarded as particularly important.

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A Study on the policy for export competitiveness enforcement of Korean Service Industry (한국 서비스산업의 수출경쟁력 강화정책에 관한 연구)

  • Lee, Ho-Gun
    • International Commerce and Information Review
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    • v.15 no.4
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    • pp.97-122
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    • 2013
  • Korea's trade balance in service showed surplus in 2012 on the basis of BPM5. This is recorded by 14 years since 1999. This owes to decrease of deficit in tourism balance, increase of surplus in construction and transportation, and shift from deficit to surplus, even in small portion, in personal cultural recreational services balance. While externally the global economic growth becomes inactive and the Korean Won has appreciated, internally Korean service industry is very weak and is not equipped with international competitiveness. This study intends to look into service surplus items and services deficit items and to present measures that will be able to strengthen competitiveness in service industry. As a short case study, German and Japan was benchmarked, as they are the countries which are developed on the basis of manufacturing like Korea. And in this study, by analyzing surplus items and deficit items in trade balance sheet, it is attempted to suggest policies which would be available for strengthening service industry. As the service industry is a highly value-added one, it is necessary to designate promising categories and intensively foster as strategic industry. Service industry has their own characteristics distinguished with manufacturing goods. It has very different logistics and payment system with manufacturing industry. It means there must be independent support systems which reflect the nature of industrial classification in service industry. It is necessary to provide export support system, to organize export market development group, to support marketing, to set common logistics center, to support diplomatic means, to provide legal service and so on.

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A Study on the Effects and Value Analysis of the B2B e-Commerce Guarantee Service (B2B 전자상거래 보증 서비스의 효과 및 가치 분석)

  • Han, Chang-Hee;Kim, Min-Kwan;Lim, Chang-Kyu
    • The Journal of Society for e-Business Studies
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    • v.15 no.4
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    • pp.265-284
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    • 2010
  • B2B e-commerce guarantee service is a guarantee service combining the electronic systems among Korea Credit Guarantee Fund(KCGF), banks and e-marketplaces to process all procedures on internet ranging from application for credit guarantee, issue of written guarantee and contracting for a commerce to payment. B2B e-commerce guarantee service plays as an intermediary role in financial support for small and mediumsized enterprise(SME), which are small size, low credit level, and unfavorable status in many aspects compared to major companies. Despite the B2B e-commerce guarantee service has various advantages conducive to promotion of e-commerce among small and medium businesses as well as development of e-commerce itself, it has yet to be diffused due to lack of acknowledgement, misunderstanding of its functions and vague psychological fear of the on-line settlement. Thus, this study identifies the values and effects of the B2B e-commerce guarantee service using financial data and cases. The process of this study is 4 phase. first phase is analysis of B2B e-commerce guarantee service and e-Marketplace. second phase is analysis of performance from the Perspective of Diverse Participants. third phase is analysis of economic performance and support for SME. last phase is policy suggestions and conclusion.

Patent data analysis using clique analysis in a keyword network (키워드 네트워크의 클릭 분석을 이용한 특허 데이터 분석)

  • Kim, Hyon Hee;Kim, Donggeon;Jo, Jinnam
    • Journal of the Korean Data and Information Science Society
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    • v.27 no.5
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    • pp.1273-1284
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    • 2016
  • In this paper, we analyzed the patents on machine learning using keyword network analysis and clique analysis. To construct a keyword network, important keywords were extracted based on the TF-IDF weight and their association, and network structure analysis and clique analysis was performed. Density and clustering coefficient of the patent keyword network are low, which shows that patent keywords on machine learning are weakly connected with each other. It is because the important patents on machine learning are mainly registered in the application system of machine learning rather thant machine learning techniques. Also, our results of clique analysis showed that the keywords found by cliques in 2005 patents are the subjects such as newsmaker verification, product forecasting, virus detection, biomarkers, and workflow management, while those in 2015 patents contain the subjects such as digital imaging, payment card, calling system, mammogram system, price prediction, etc. The clique analysis can be used not only for identifying specialized subjects, but also for search keywords in patent search systems.

Public and Experts Perception Analysis about Negative Effects in Nanotechnology Based on Conjoint Analysis (컨조인트 분석을 이용한 나노기술의 부정적 영향에 대한 일반인과 전문가의 인식분석)

  • Bae, Seoung Hun;Shin, Kwang Min;Yoon, Jin Seon;Kang, Sang Kyu;Kim, Jun Hyun;Sung, Gi Wan;Lee, Ki-Kwang
    • Journal of Korean Society of Industrial and Systems Engineering
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    • v.38 no.3
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    • pp.49-55
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    • 2015
  • Nanotechnology has been growing constantly and it is becoming the leading technology in scientific research and development. Although nanotechnology has important applications in broad variety of fields without boundary of any particular industrial area, the study of nanotechnology related to its commercialization has been conducted in a few ways. To put that figure in context, this study investigates public and expert perceptions about negative potentials of nanotechnology. Through a series of surveys with public (N = 541) and experts (N = 62), we analyzed about public willingness to pay for nano-applied products. Survey results showed that public and experts preferred nano-applied products in the order of electronics, cosmetics, and food and medicine. Experts express high payment intention to electronics rather than public intention. In addition, the survey results showed the purchasing intention of both public and expert group was affected by the attributes of nano-applied products in the order of risk fatality, risk chance, certification, and labeling. But experts put more importance in risk fatality than risk chance comparing to public. Through the case analysis of the effects of labeling and certification, we revealed either labeling or certification can induce both public and experts to buy the nano-applied products with high risk chance and low risk fatality. However, for the nano-applied product with high risk fatality and low risk chance, both labeling and certification are simultaneously required to make customers have positive purchasing intention. The result of this study could be utilized for the nanotechnology-based company to get the consumer behavior information about nano-based product and to establish their marketing strategy.

A study for efficient operation of the e-commerce guarantee financing system in domestic industries (국내 전자상거래 보증제도의 효율적 운영방안에 관한 연구)

  • Yoo, Soon-Duck;Choi, Kwang-Don;Shin, Seung-Jung
    • Journal of Digital Convergence
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    • v.9 no.3
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    • pp.31-46
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    • 2011
  • This research suggests for efficient operation of the e-commerce guarantee financing system in domestic industries by reviewing the definition, current situation and problems of the e-commerce guarantee financing system in operation since 2001. Throughout the 10 years of the e-commerce guarantee financing system's implementation, technological development has solved many previously concerning factors. The goal of the study is to resolve the current issues of the e-commerce guarantee financing system and offer means by which to expand the accessibility of the system to domestic industries and further assistance to firms already using the system. One of the primary policies supported by the research is the reallocation of funds from archaic means of exchanging finances to the modem e-commerce guaranteed financing methods because of the increased transparency of the trading. Specifically, the funding operated by government guarantee agencies requires systematic promotion, justifying subsidies and tax breaks to companies that are using e-commerce guarantee financing because of the increased overall transparency. In addition, the benefits of e-commerce guarantee financing as a means of funding are numerous: the promotion of good business, relaxation of credit ratings for company loans, construction of the mobile operating system for small businesses, and creation of policy flexibility in operating fund agencies run by government. Future research areas include continued collection and analysis of the above data provided and new market feedback such as direct poll surveys of the operating staff in companies using e-commerce guarantee financing agencies.

Professional Identity of Elementary School Health Teachers: A Grounded Theory Approach (초등학교 보건교사의 직업정체성: 근거이론적 접근)

  • Kwon, Jin Ok;Oh, Jina;Kim, Eun Ha;Hahn, Dae Dong
    • Child Health Nursing Research
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    • v.21 no.1
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    • pp.64-73
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    • 2015
  • Purpose: This study was conducted to explore the professional identity of elementary school health teachers. Methods: In-depth interviews with fifteen elementary school health teachers were conducted from July 2010 to August 2012. Qualitative data collected by the researcher including transcription and field notes were analyzed through an adapted methodology based on the Grounded Theory of Strauss and Corbin. Results: Fifteen categories, 35 sub-categories and 120 concepts were obtained. The key category that was consistently maintained in identity formation was 'keeping themselves being a teacher providing nursing' which has three styles, 'focusing on health education', 'combining nursing and education' and 'focusing on providing nursing care'. Conclusion: Results of this study will provide basic information for preparing manuals regarding the range of activities in school health teachers' jobs, improving promotion and merit payment systems for school health teachers, creating support programs for them, and contributing to the formation and establishment of their professional identity.

Comparative study on Dental fees of Korea, Japan, Germany and United States (국내외 치과 의료수가 비교현황 : 한국, 일본, 독일, 미국을 중심으로)

  • Ryu, Jae-In;Kim, Chul-Shin;Jung, Se-Hwan;Shin, Bo-Mi
    • The Journal of the Korean dental association
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    • v.53 no.4
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    • pp.266-274
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    • 2015
  • The price for health service are decided by very complicated process because many of factors are related with them. The RBRVS(resource-based relative value scale) were used to calculate the Korean health service fees including dental fees. This study aimed to compare dental fees of Korea with other countries, such as Japan, Germany, and the US for evaluating the adequacy. Dental fees were categorized as oral evaluation and imaging, dental treatment including restorative, periodontal, and surgical work, and preventive treatment and compared by each country. The official documents about dental fees were collected from Korea, Japan, Germany, and the US. Each fee was presented as their own currency at first. Then they were converted into Korean won (KRW) by applying the market exchange rates at a specific point of time. Finally the fees were adjusted by purchasing power parities (PPPs) which equalize the different currencies. In general, the level of Korean fees were markedly low compared to those of Japan, Germany, and the US. German fees were similar or higher than that of Japan, and the US. The Korean fees were lower than three other countries 1.2~4.1 times for oral evaluation and 2.2~7.3 times lower for panoramic radiography. The endodontic fees of Japan, Germany, and the US were higher 1.8~15.3 times and 4.0~35.9 times for the deciduous teeth extraction compared to the Korean. In Japan the prophylaxis was 3.2 times more priced than the Korean fee. Exceptionally, the fees for re-evaluation, amalgam filling, and scaling were lower priced in Japan than other countries. This study has limitations on the items in definition and contents of dental practices units which were not exactly comparable and differently determined by countries. However, this study is meaningful because it surveyed the price levels to compare four different countries and then applied PPPs adjustment. This finding can be used to develop the dental RBRVs of Korean national health insurance and will contribute to improving the payment systems of health care.

The Negotiation Model of Negotiation Agents for m-Commerce (모바일 전자상거래를 위한 협상 에이전트의 협상모델)

  • 정진국;이순근;조근식
    • Journal of Intelligence and Information Systems
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    • v.9 no.3
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    • pp.155-175
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    • 2003
  • In context of e-commerce, negotiation is a procedure to help negotiate between buyer and seller by adjusting their negotiation issues such as price and in terms of payment. We used intelligent agent and mobile device to promote new framework of e-commerce. Moreover, this framework can help buyers and sellers to carry their commercial transactions effectively. In regard to that issue, we need to carry out the research of negotiation agent that can be used in e-commerce fields. In this paper, we modeled the negotiation using CSP for the performance of agent in m-commerce environment. Furthermore we implemented interface for mobile device to extract buyer's requirement and preference easily Besides that we used utility function to make a decision for various evaluation functions and suggestions that are used for evaluation of negotiation issues. A difficulty of generating offer is dependent on the number of negotiation issues and the range of the values. Therefore, if any offer has a number of negotiation issues and the range of values are wide, the search space will be exponentially expanded. There have been many studies fur solving this problem, we applied those techniques to improve the agent's ability of negotiation. For example, a contract can be accomplished by exchanging seller and buyer's offer that is generated by agent to adjust the requisite profit for each party. Finally, we show the improvement of satisfaction as the negotiation is processed.

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