• The Journal of the Convergence on Culture Technology
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• v.7 no.4
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• pp.1-7
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• 2021

The purpose of this study was to analyze the effect of household loan share on bank management soundness. The results of the empirical analysis are summarized as follows. First, as a result of estimating coefficient of the mortgage loan ratio shows a significant negative relationship with the BIS equity capital ratio of banks. In addition, it was found that the mortgage loan ratio had a significant positive (+) effect on Eunhae's BIS and equity capital ratio after the financial crisis. Second, as a result of the estimation coefficient of the mortgage ratio showed a significant positive (+) relationship with the NPL of the bank and below. In addition, it is estimated that the bank's secured loan ratio changed significantly before and after the financial crisis in the effect of banks' NPL and substandard-and-below loans. It is expected to make implication to financial policy and banking regulation and supervision. We believe that more efforts should be made to increase the soundness of household loans in preparation for risk factors that may arise from exogenous factors such as changes in the international financial environment and falling property prices.

• Journal of Digital Convergence
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• v.19 no.11
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• pp.255-266
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• 2021

Investment demand for factory facilities has increased due to the balloon effect caused by housing price regulation. This study investigated the impact of the real estate market and macroeconomic factors on the bid price ratio of apartment auctions and factory auctions, focusing on the metropolitan area. To this end, we reviewed theories and previous studies on real estate auctions, and examined how macroeconomic variables affect bid price ratio of apartments and factories using the panel vector autoregressive model. It was found that the increase in the apartment bid price ratio increases as the participation in apartment auctions increases. However, as the factory bid price ratio increases, the factory bid price ratio does not increase, it was confirmed that the positive (+) relationship between the successful bid price ratio and the bid price ratioe does not exist, unlike previous studies. Based on the analysis results, it is suggested that the real estate market and macroeconomic factors should be considered for the stable operation of the related relevant auction system. This study has limitations in that it is limited to the metropolitan area. In the future, research that expands the scope of research to the whole country and provinces should be conducted.

• Journal of Digital Convergence
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• v.19 no.11
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• pp.267-278
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• 2021

This study differentiated it from previous studies by selecting Chinese lifestyle shops in the current situation where lifestyle shops are rapidly emerging due to the increase in single-person households in China and changes in consumption patterns. The purpose of this study is to present basic data for establishing VMD strategies for domestic lifestyle shops wishing to enter China through the analysis of the characteristics of VMD elements. The results of this study are as follows.The research results are as follows. In the display elements of the VMD of Chinese lifestyle shops-GAROSU, CH'IN, and Nome, the appliances and props used differentiated shapes and materials according to the product concept and design. There seemed to be a difference depending on the concept of the lifestyle shop. Also, there were differences in the form of VP and the presentation method of PP and IP in VP, PP, and IP according to the store product group and the amount of products displayed in the presentation element. In a follow-up study, it is considered meaningful to conduct a study on domestic lifestyle shops and a comparative analysis of VMD between Chinese and domestic lifestyle shops.

• Journal of Digital Convergence
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• v.19 no.11
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• pp.31-38
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• 2021

The use of professional retirement personnel who have largely left their economic activities due to the retirement of baby boomers is a modern task and is emerging as a social issue. This study aims to explo re the perception of professional retirees' overseas volunteer experience as NGOs and seek ways to utilize pro fessional retirement personnel. This study is a qualitative study using photo-voice, and the participants in the study are retirees of retirement age from professions with experience in NGO overseas service. Data were collected through group activities and individual interviews, and data were analyzed using participatory analysis and subject analysis. The perception derived from the study was that NGO overseas service is the best job to be safe and raise the national status, and that information on this is wanted to be provided in retirement education. In conclusion, retirement education for the expansion of NGO overseas service was conducted not only in public enterprises but also in general workplaces to discuss ways to prepare before retirement, and the operation of the Retired NGO Overseas Volunteer Information Service Center was suggested. This study is meaningful in presenting basic data for preparing alternatives to social welfare policies in old age after retirement through the recognition of the experience of professional retirees in overseas NGO service

• Journal of Digital Convergence
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• v.19 no.11
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• pp.75-83
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• 2021

This study presented the analysis results and implications by identifying the structural relationship between the image of food tourism products, the long-term orientation of attachment, and the behavioral intention. The convenience sampling method of the non-probability sampling method was used, and the survey was conducted non-face-to-face due to COVID-19. This study was conducted for customers who live in Jeollabuk-do and Jeollanam-do and have experienced local traditional food. As for the survey method, the main researcher's acquaintances and related experts were consulted and utilized to select the survey subjects, and the survey was conducted by sending/returning them by mail or e-mail. Statistical processing was analyzed using SPSS 25.0 and AMOS 25.0 statistical packages. As a result of the verification, the relationship between the image and attachment of food tourism, the relationship between the long-term orientation in the attachment of traditional food, and the behavioral intention in the attachment of traditional food are significant. A significant positive (+) relationship was formed in the relationship of hypothesis setting according to the research purpose of the relationship.

• Journal of Digital Convergence
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• v.19 no.11
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• pp.167-180
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• 2021

The purpose of this study is to present a framework of the MyData business ecosystem that shows a different pattern from the previous one by the MyData concept and to define the characteristics of actors participating in the ecosystem. Because MyData is an individual exercising sovereignty over his or her data, there is a characteristic that the individual participates as a key actor in the business. In other words, MyData Operators participate in the MyData business ecosystem to help individuals who own MyData, MyData creating business and MyData using business, among them, manage their own data. Therefore, this study conducts a case study of domestic and foreign MyData businesses to revitalize the domestic MyData industry. In particular, the business model of 45 cases of overseas MyData operators was analyzed and classified into 7 types of 4 groups. And through this, the importance of the role of MyData Operator in the MyData industry ecosystem is confirmed and a developmental ecosystem model is proposed.

• Journal of Digital Convergence
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• v.19 no.11
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• pp.225-234
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• 2021

This study is a cross-cultural study examining whether differences in perceptions of social gender roles in Korea and Uzbekistan have different effects on ad attitudes and product attitudes through the endorsers' gender. In particular, this study was focused on the difference between the facial expression of the endorser and the moderating effect of the ad situation in these relationships. The research results are as follows. First, the difference in the perception of social gender roles was larger in Uzbekistan than in Korea. Second, the influence of gender of endorser on ad attitude was perceived to be higher in Uzbekistan than in Korea. Third, the moderating effect of facial expression(Placid vs. Cold) in the effect of gender of advertising model on advertising attitude was found only in Uzbekistan. Fourth, the moderating effect of the ad situation (Office work vs. Family life) in the relationship between the endorsers' Gender and ad attitude was also found only in Uzbekistan. Fifth, the effect of consumer's ad attitude on product attitude showed a statistically significant positive relationship in both countries. This study reveals that cultural differences in the masculinity (or femininity) dimension between Korea and Uzbekistan are also affecting the effectiveness of ads. Therefore, this study suggests that global marketers should consider not only the existing information source effects such as reliability, professionalism, and attractiveness, but also the gender, facial expression, and ad situation of the endorser according to cultural differences when selecting an ad model.

• Journal of Digital Convergence
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• v.20 no.5
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• pp.393-400
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• 2022

In a situation where the company handles accounting conservatively, the management's earnings forecasting information will be more conservative, and the conservativeness of this earnings forecasting information will have a differential effect in evaluating the performance of managers and paying compensation. This study aims to examine how the level of corporate accounting conservatism affects the forecast information of managers and how this affects the compensation of managers. This study establishes a hypothesis on the effect of the level of accounting conservatism on the earnings forecasting information and compensation of managers, and examines the relationship between managerial profit forecasting information & manager compensation according of conservatism in corporate accounting that can vary depending on the manager's disposition. As a result of the analysis, conservative managers are also conservative in earnings forecasting disclosure, and when corporate managers are highly conservative, they show their ability by making earnings forecasts disclosures more frequently and more accurately than corporate managers with low conservatism. It will help reduce the forecasting errors of stakeholders. Therefore, it is expected that this will play an important role in judging the manager's ability and determining compensation. Therefore, when a company handles accounting conservatively, management's earnings forecasts are also measured conservatively, which is expected to provide useful information on the basis and form of management's compensation to stakeholders.

• Journal of Digital Convergence
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• v.20 no.5
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• pp.713-720
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• 2022

The objective of this study is to provide the basic data for the development of educational programs for the prevention of infectious diseases targeting the elderly by researching the degree of personal hygiene practice, perceived risk of infection, and knowledge and importance of infectious diseases for the prevention of infectious diseases of the elderly. Using the structured questionnaire for a month of October in 2021, this study surveyed total 110 elderly people in their 65 or up by using the one-to-one individual interview method through the Gallup Korea. The collected data was analyzed by using the IBM SPSS Statistics 25.0 Program. In the results of analyzing the ranking by converting it into Borich's needs formula and then totaling up the degree of importance and knowledge, it was researched as the 1^st place for the transmission path of infectious diseases, the 2^nd place for the preventive method of infectious diseases, the 3^rd place for the treatment method of infectious diseases, the 4^th place for the handling procedure in case an infectious disease was doubted and confirmed, and the 5^th place for the major symptoms of infectious diseases. The results of this study could contribute to the improvement of infection preventive practice through the provision of proper information to subjects, by providing the basic data for the development of educational programs for the elderly reflecting the needs of prevention and management of infectious diseases.

• Journal of Digital Convergence
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• v.20 no.5
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• pp.919-929
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• 2022

As a new type of healthy public space, greenway users carry out leisure activities, exercise, sightseeing and necessary transportation in greenway. However, at present, there is little research on greenway users' evaluation and perception of greenway, and there is no comprehensive exploration of Greenway environment from a humanistic perspective. Combined with the research and actual situation of the existing representative greenways in Chinese cities, this paper refers to a large number of documents, applies the semantic difference method and multiple regression analysis method, analyzes the current situation of the Dongfengqu greenway, explores the influencing factors and impact evaluation of the greenway environment from the perspective of greenway users' perception, and puts forward suggestions on the optimization of the greenway environment in Zhengzhou from multiple levels. The main conclusion of this paper comes from the data conclusion obtained by semantic difference method, which is feasible in the resident evaluation of greenway use. The feedback results of post use evaluation can provide a reliable reference for the planning and design of similar greenways in the future.