• 제목/요약/키워드: Price Gap

검색결과 168건 처리시간 0.023초

부동산 경기 변동과 MBS 조기상환의 관계, 그리고 그 정책적 함의 (Relationship between Real Estate Market and MBS Prepayment, and its Policy Implication)

  • 한상현;왕붕;이창수;강명구
    • 지역연구
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    • 제31권4호
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    • pp.91-105
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    • 2015
  • 본 연구에서는 MBS의 위험 요소인 조기상환에 영향을 미치는 요인을 실증적으로 분석하고, 이에 더하여 이러한 정책의 함의를 짚어보고자 하였다. 이를 위하여 2004년부터 2014년까지의 자료를 통하여 분석하였다. MBS 조기상환의 주요 요인은 다른 나라의 경우와 마찬가지로 이자율 하락에 따른 차환이다. 하지만, 기존 연구에서 주요하게 다루지 않았던 주택가격변동을 고려했을 때, 한국의 MBS는 주택가격이 상승할 때 조기상환이 증가하는 현상을 보이고 있다. 이는 외국의 연구결과가 보여주는, 경기 하강기 채무자의 상환능력 저하로 압류가 발생하면서 나타나는 외부에 의한 강제적 조기상환이 일어나는 것과 다른 현상이다. 또한, MBS 도입시 주택에 대한 인식전환(투자재에서 주거안정으로)과 그 결과 주택가격 안정을 목적으로 도입되었지만, MBS를 통해 주택자금의 조달이 수월해 지면서 발생할 수 있는 부작용이 작지 않을 수 있음을 보여주고 있어, 정책적 보완이 필요하다.

주택연금의 특성이 계약해지에 미치는 영향 (Effects of the Characteristics of the JooTeakYeonKeum Contract on Its Termination)

  • 전유정;유선종
    • 부동산연구
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    • 제28권1호
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    • pp.115-130
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    • 2018
  • 본 연구에서는 주택연금 해지비율이 높아져 가는 추세에 따라 주택연금 해지에 영향을 미치는 요인을 좀 더 세분화하여 알아보고자 한다. 또한, 담보주택 가격대별로 해지사유와 해지비율을 비교하기 위해 가격구간별 모형을 구성하여 가입자입장에서 담보주택 가격대별로 주택연금 계약 해지에 영향을 미치는 요인에 있어서의 차이를 확인한다. 실증분석 결과, 가입 시의 담보주택가격의 초과누적상승률이 클수록, 월지급금액이 클수록, 월지급금과 최소노후생활비와의 차이가 클수록, 전월 순인구이동률과 대출금누계가 적을수록, 주택연금 계약을 해지할 확률이 높은 것으로 나타났다. 특히 담보주택의 가격구간대별 주택연금 계약 해지비율의 차이가 커 각 구간대별로 주택연금 계약 해지에 영향을 미치는 요인이 다를 것이며, 이를 확인하고자 담보주택가격구간대별 모형을 구성하여 분석하였다. 분석 결과, 주택연금 가입 고령층의 60%가 가입담보주택의 평균 가격 보다 낮은 가격 수준으로 가입되어 있으며, 각 구간마다 주택연금 계약 해지에 영향을 미치는 요인과 유의미함이 다르다는 사실을 확인하였다. 이에 주택연금 계약 해지율을 증가시키는 리스크에 대한 관리를 적절히 한다면, 사회 전체적으로 주택연금이 확대되어 고령자의 노후소득 확보와 생활의 안정을 제고하고 인구고령화의 충격을 완화해 나갈 수 있는 의미있는 수단이 될 수 있을 것이다.

국내 인삼산업 활성화를 위한 홍삼토닉 소비자 선호분석 (Consumer Preference Analysis of Korean Red Ginseng Tonic for Revitalizing Korean Ginseng Industry)

  • 정재원;임성수;김태균;김승규
    • 농업생명과학연구
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    • 제52권6호
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    • pp.155-162
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    • 2018
  • 본 연구는 국내외 여건으로 침체되고 국내 인삼산업 활성화에 필요한 인삼가공식품의 경쟁력 제고를 위하여 대표 인삼제품인 홍삼토닉의 소비자 선호속성을 선택실험법을 통해 분석하였다. 실험에 사용된 선호속성으로는 재배연근, 우수농산물(GAP) 인증 여부, 당류함량, 가격이 포함되었으며 총 1,796개의 실험에 대한 답변을 취득하여 각 속성에 대한 가치를 다항로짓모형을 이용하여 추정하였다. 그 결과, 6년근 원료를 사용하여 우수농산물(GAP) 인증을 받은 저당도 제품에 대한 선호도를 화폐가치로 환산하였다. 이를 정리하면, 5년근 대비 6년근 원료를 사용한 제품에 약 94,000원, GAP 인증을 받지 않은 경우에 비해서 약 89,000원, 당을 1g 줄인 경우 약 5,000의 추가지불의사금액을 확인할 수 있었다. 따라서 단기적으로 GAP 인증된 6년근 원료를 사용한 저당의 제품 개발이 필요하며, 인삼 GAP 인증에 대한 지원과 홍보가 필요할 것으로 보인다. 한편 인삼 농가 생산성 개선을 위해 저년근 인삼 효능에 대한 과도한 저평가를 개선하기 위한 장기적인 노력이 병행되어야 할 것으로 보인다.

서비스제공자와 사용자의 인식차이 분석을 통한 소셜커머스 핵심성공요인에 대한 연구: 한국의 티켓몬스터 중심으로 (A Study on the Critical Success Factors of Social Commerce through the Analysis of the Perception Gap between the Service Providers and the Users: Focused on Ticket Monster in Korea)

  • 김일중;이대철;임규건
    • Asia pacific journal of information systems
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    • 제24권2호
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    • pp.211-232
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    • 2014
  • Recently, there is a growing interest toward social commerce using SNS(Social Networking Service), and the size of its market is also expanding due to popularization of smart phones, tablet PCs and other smart devices. Accordingly, various studies have been attempted but it is shown that most of the previous studies have been conducted from perspectives of the users. The purpose of this study is to derive user-centered CSF(Critical Success Factor) of social commerce from the previous studies and analyze the CSF perception gap between social commerce service providers and users. The CSF perception gap between two groups shows that there is a difference between ideal images the service providers hope for and the actual image the service users have on social commerce companies. This study provides effective improvement directions for social commerce companies by presenting current business problems and its solution plans. For this, This study selected Korea's representative social commerce business Ticket Monster, which is dominant in sales and staff size together with its excellent funding power through M&A by stock exchange with the US social commerce business Living Social with Amazon.com as a shareholder in August, 2011, as a target group of social commerce service provider. we have gathered questionnaires from both service providers and the users from October 22, 2012 until October 31, 2012 to conduct an empirical analysis. We surveyed 160 service providers of Ticket Monster We also surveyed 160 social commerce users who have experienced in using Ticket Monster service. Out of 320 surveys, 20 questionaries which were unfit or undependable were discarded. Consequently the remaining 300(service provider 150, user 150)were used for this empirical study. The statistics were analyzed using SPSS 12.0. Implications of the empirical analysis result of this study are as follows: First of all, There are order differences in the importance of social commerce CSF between two groups. While service providers regard Price Economic as the most important CSF influencing purchasing intention, the users regard 'Trust' as the most important CSF influencing purchasing intention. This means that the service providers have to utilize the unique strong point of social commerce which make the customers be trusted rathe than just focusing on selling product at a discounted price. It means that service Providers need to enhance effective communication skills by using SNS and play a vital role as a trusted adviser who provides curation services and explains the value of products through information filtering. Also, they need to pay attention to preventing consumer damages from deceptive and false advertising. service providers have to create the detailed reward system in case of a consumer damages caused by above problems. It can make strong ties with customers. Second, both service providers and users tend to consider that social commerce CSF influencing purchasing intention are Price Economic, Utility, Trust, and Word of Mouth Effect. Accordingly, it can be learned that users are expecting the benefit from the aspect of prices and economy when using social commerce, and service providers should be able to suggest the individualized discount benefit through diverse methods using social network service. Looking into it from the aspect of usefulness, service providers are required to get users to be cognizant of time-saving, efficiency, and convenience when they are using social commerce. Therefore, it is necessary to increase the usefulness of social commerce through the introduction of a new management strategy, such as intensification of search engine of the Website, facilitation in payment through shopping basket, and package distribution. Trust, as mentioned before, is the most important variable in consumers' mind, so it should definitely be managed for sustainable management. If the trust in social commerce should fall due to consumers' damage case due to false and puffery advertising forgeries, it could have a negative influence on the image of the social commerce industry in general. Instead of advertising with famous celebrities and using a bombastic amount of money on marketing expenses, the social commerce industry should be able to use the word of mouth effect between users by making use of the social network service, the major marketing method of initial social commerce. The word of mouth effect occurring from consumers' spontaneous self-marketer's duty performance can bring not only reduction effect in advertising cost to a service provider but it can also prepare the basis of discounted price suggestion to consumers; in this context, the word of mouth effect should be managed as the CSF of social commerce. Third, Trade safety was not derived as one of the CSF. Recently, with e-commerce like social commerce and Internet shopping increasing in a variety of methods, the importance of trade safety on the Internet also increases, but in this study result, trade safety wasn't evaluated as CSF of social commerce by both groups. This study judges that it's because both service provider groups and user group are perceiving that there is a reliable PG(Payment Gateway) which acts for e-payment of Internet transaction. Accordingly, it is understood that both two groups feel that social commerce can have a corporate identity by website and differentiation in products and services in sales, but don't feel a big difference by business in case of e-payment system. In other words, trade safety should be perceived as natural, basic universal service. Fourth, it's necessary that service providers should intensify the communication with users by making use of social network service which is the major marketing method of social commerce and should be able to use the word of mouth effect between users. The word of mouth effect occurring from consumers' spontaneous self- marketer's duty performance can bring not only reduction effect in advertising cost to a service provider but it can also prepare the basis of discounted price suggestion to consumers. in this context, it is judged that the word of mouth effect should be managed as CSF of social commerce. In this paper, the characteristics of social commerce are limited as five independent variables, however, if an additional study is proceeded with more various independent variables, more in-depth study results will be derived. In addition, this research targets social commerce service providers and the users, however, in the consideration of the fact that social commerce is a two-sided market, drawing CSF through an analysis of perception gap between social commerce service providers and its advertisement clients would be worth to be dealt with in a follow-up study.

중소 벤처 기업의 금융거래 활성화를 위하여 K-OTC 시장에서 조세부과에 따른 복제포트폴리오의 효율적 활용에 대한 연구 (A study on the efficient application of the replicating portfolio according to the tax imposition within K-OTC market for activating financial transactions of small-medium and venture business)

  • 유준수
    • 벤처혁신연구
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    • 제1권1호
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    • pp.83-98
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    • 2018
  • 본 논문은 최근 생겨난 장외시장인 K-OTC 시장에서 금융상품이 거래되어 과세될 경우 거래세와 양도세의 차이에 대해 이론적으로 접근해 보고자 한다. 또한 합성채권을 구성하여 위험을 헤지하고자 할 때 포트폴리오로 구성된 금융 상품의 과세 방법에 따라 투자자들이 추구하는 수준까지 위험을 줄이기 어렵기 때문에 이를 효과적으로 적용할 수 있는 조세 방법을 살펴보고자 한다. 무엇보다 합성채권의 과세 형평성을 구체적으로 살펴보기 위해 K-OTC 시장 안에서 기말주가변화와 행사가격변화에 따라 합성채권에 부과된 거래세와 양도세의 효과 및 소득공제 유무에 따라 어떻게 세후이익이 차이가 나는지 분석해 보고자 하였다. 연구 결과 기말 주가변화에 따른 거래세와 양도세의 조세 갭을 통해 거래세 효과가 양도세 효과보다 조세 갭이 훨씬 적으므로 어느 정도 복제포트폴리오로 헤지를 구성함에 있어서는 거래세를 부과하는 것이 조세 정책적 목적 및 금융시장 측면에서 조금 더 효율적일 수 있음을 보여주었다. 또한 소득공제 허용 여부는 행사가격의 변화에 따라 거래세와 양도세의 효과가 차이가 있음을 나타내었다. 무엇보다 행사가격이 주가보다 낮아지면 거래세가 양도세보다 소득공제 유무의 영향을 덜 받는 것으로 나타났으나, 행사가격이 주가보다 높아지면 거래세와 양도세 모두 소득공제 유무의 영향이 동일함을 알 수 있었다. 앞으로의 과제는 실제 금융상품을 대상으로 K-OTC시장에서 실증 검증하는 것이며 아울러 옵션 거래세를 산정함에 비율 분석으로 접근하여 좀 더 체계적인 헤지 방법을 찾아보는 것이다.

임야가격의 현실화율 영향요인 연구 - 경기 광주의 임야 거래사례를 중심으로 - (A Study on the Influence Factors of the Ratio of Assessment Value to Sale Price of Forest Land - Focused on the Sales Case of Forest Land in Gwangju, Gyeonggi-do -)

  • 이규태
    • 지적과 국토정보
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    • 제53권2호
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    • pp.19-37
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    • 2023
  • 본 연구는 경기 광주의 임야 총 2,129건의 거래사례를 바탕으로 현실화율의 영향요인을 규명하였다. 다중회귀분석을 통해 나타난 본 연구의 주요 연구결과는 다음과 같다. 첫째, 본 연구는 지역특성이 임야가격의 현실화율에 유의적인 상이한 영향을 미친다는 것을 보여주고 있다. 구체적으로 대상 필지의 하위 행정구역상 위치, 택지지역 면적비율에 따라 현실화율에 유의적인 차이가 존재했으며, 진행 중인 개발사업 수가 많을수록 공시지가가 거래가격에 근접한 수준으로 형성될 가능성이 높게 나타났다. 둘째, 본 연구는 관내·외 중심지 인접성, 교통접근성 등의 입지특성이 현실화율 결정에 유의적인 영향을 미치는 것으로 분석되었다. 셋째, 본 연구는 임야의 이용규제특성으로 용도지역상 관리지역, 보전산지, 자연보전권역, 개발제한구역 등의 법적·제도적 이용규제나 행위제한에 따라 현실화율에 유의적인 차이가 존재한다는 것을 확인하였다. 넷째, 본 연구는 임야의 개별적 요인인 토지특성이 현실화율에 유의적인 영향요인으로 나타났다.

수산물 도매시장 거래제도의 문제점과 개선방안 (A Study on Problems and Solutions for Trading System of Fishery Products Wholesale Market in Korea)

  • 강종호
    • 수산경영론집
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    • 제45권1호
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    • pp.79-93
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    • 2014
  • The Act on Distribution and Price Stabilization of Agricultural and Fisheries Product, which specifies rules and regulations on the trading system of fishery products wholesales markets, has been revised several times, mainly in order to improve the trading system. However, there is still a huge gap between the reality and law when it comes to the trading system of the fishery products wholesale market. This study aims to analyze the problems of the trading system of the fishery products wholesale market and to suggest ways to make improvement. The main problem facing the trading system of the fishery products wholesale market is sales on consignment by intermediate wholesalers, and this paper suggests two alternatives to solve the problem. First, intermediate wholesaler can be converted to market wholesalers, but it also entails other problems. The market wholesaler system has never been successfully adopted in the agricultural and fishery products wholesale market, and it is not clear which system is better between the wholesale market corporation and the market wholesaler system. Second, sales on consignment by intermediate wholesalers can be adopted with a positive view toward it. Negotiation transaction can be carried out for sales on consignment as a transaction method under the current Act on Distribution and Price Stabilization of Agricultural and Fisheries Products. However, since the act cannot provide a solution for listing, it is necessary to introduce Japan's negotiated transaction in advance system as a negotiation transaction method.

정책인과지도 도출을 위한 인터넷 활용의 동태성 분석: 이용자로서의 정부, 기업, 가정을 중심으로 (A system Dynamics Approach to find the Dynamic interactions and Policy Causal Loops of the Internet utilization)

  • 하원규;최남희;김도훈;문태훈;김동환;홍민기
    • 한국시스템다이내믹스연구
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    • 제1권2호
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    • pp.149-174
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    • 2000
  • In recent years, how to promore the Utilization of Internet is a main issue of national information policy. In this study, we focused our approach to find promoting sttategies for Internet utilization on three sector's users, governments, enterprises, and households. Promoting the Internet utilization of these three sector's users is a very difficult problem, because their information levels are different and information gap among them can be regarded as bottleneck. And since the interactions between user's demands and diverse information seccor's factors are very complex, policy leverages can not find easily. By the system dynamics methodology, this paper examines the interrelationships between three user's demand mechanism and information policy sector. Information policy sector consist of four sectors, infrastruccure policy seccor, application-contents sector, governance sector, and access and price policy sector (free access policy, literacy policy, telecommunication price policy, etc.). To find and investigate policy leverage that will help understanding dynamic behavior of users in using Internet we build a causal loop diagrams and SD models by using survey data obtained from three sectors'specialized users, 488 persons.

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관광호텔 객실 공표 가격과 실거래 가격, 수용 가격과의 인구통계적 변수별 차이 - 대전지역 특급호텔 종사원을 중심으로 - (Differences of Rack Rate, Transaction Rate and Acceptability Rate by Demographic Variable in Tourist Hotels)

  • 유경민;박정하
    • 한국조리학회지
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    • 제14권2호
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    • pp.225-236
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    • 2008
  • This study is to explore how the employees of tourist hotels perceive moderate room rates and price acceptance. Sampling was taken among employees for deluxe hotels at Yusong in Daejeon. A total of 150 samples were distributed and 124 valid samples were selected for this research. Answers were processed by SPSS 15.0 after data coding. The results of study are as follows; First, annual average sales price of hotel rooms is \99,223, and the rack rates take up 49.7% of the transaction rates. Second, the rack rates which many employees think moderate are in the range of $50.09{\sim}75.13%(\100,000{\sim}150,000)$ of the rack rates. Third, many employees consider $40.07{\sim}50.09%(\80,000{\sim}100,000)$ of the rack rates as the moderate acceptability rates. Finally, the differences of fair rates by age and annual income were noticeable. These hotels ought to narrow the gap between rack rates and transaction rates. This study has a meaning to draw up a new plan for the room rate policy.

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유기농업의 경제적 배경과 경영방식에 관한 고찰 (A study on the economic background and management method in organic farming)

  • 김호
    • 한국유기농업학회지
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    • 제3권1호
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    • pp.43-70
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    • 1994
  • Presently the concept of organic farming has not simply technical categories such as no agricul-tural chemicals and no chemical fertilizer but can be also extended to the categories of economics, food nutrition, environmental and philosophical aspects. Accordingly, in order to understand cor-rectly organic farming, it is necessary to look into the concept including these extended aspects. So the production and consumption activities of organic farming products are largely based on the fundamental philosophy of organic farming. That is, all the life that is included in an ecosystem has to live in symbiosis, which is based on life circulation principle. And if this circultaion system is destroyed, human life may be threatended. Farmers who produce organic farming prducts(organic farmer) receive price higher than general farmers. This study shows the gap of 46.9% in two products. Also, since the price of organic farming products is fluctuated less relatively, Organic farming pruducts can be competed against imported agricultural products in terms of food safety. And organic farming should be managed by crop rotation and composite farm management upon which the principle of material circulation is worked. This composite management is devided into 2 classes, which are individually livestock-have-composite management and regional composite management. These management method means that organic materials are crucial to maintain the structure and fertility and these organic materials are easily obtained from animal as by-products.

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