• 한국병원경영학회지
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• 제24권1호
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• pp.48-56
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• 2019

Purpose: As an interest in the elderly medical expenses increases, elderly people are increasingly purchasing indemnity private health insurance. Authors tried to investigate factors of having the indemnity private health insurance among the elderly people aged 65-75 years. Methods: We conducted panel logit regression analysis on 2,465 subjects as of 2016 using Korean Health Panel from 2010 to 2016. The dependent variable was whether to enroll in the indemnity private health insurance. The explanatory variables included socio-demographic characteristics, economic factors, health status, and health behaviors. Findings: As a result of the analysis of factors of purchasing indemnity private health insurances, it was analyzed that people with larger family, educated, pensioner, high household income or no disability were more likely to have indemnity private health insurance. Practical Implications: Considering the results of this study, the factor of purchasing indemnity private health insurance among elderly people were more likely to be their economic than demographic characteristics such as sex, age, and marital status. Policy makers should make efforts to reduce the burden on the elderly medical expense and to improve equity of medical use through institutional improvement such as raising age limit and lowering premium of indemnity private health insurance and expansion of public health insurance.

• 한국건축시공학회지
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• 제13권2호
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• pp.112-121
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• 2013

Korean overseas construction has been on the rise, and exceeded the 2011 goal of $50 billion by securing $59.1 billion in orders. However, these orders were heavily concentrated in the Middle East (50%) and plant construction contracts (75%). This study suggests that, to maintain growth in foreign markets, Korea construction companies should enter into the high value-added investment development business and aggressively seek ways to diversify their regions of activity and construction types. To secure the entry of Korean construction companies into lucrative markets and better understand the competitive factors facing Korean construction concerns, a survey of the literature and focus group discussions targeting relevant experts were carried out. From those efforts, a list of 44 competitive factors crucial to entering and competing in the international investment development business was developed. Survey responses were analyzed by applying IPA. The results revealed that while Korean concerns compete well in engineering/technical capabilities, maintaining a cooperative relationship with contractors, and warranty/after sales service capabilities, their ability to obtain business information on the target country, to form private/public cooperative systems, and to build international human networks require immediate improvement.

• 한국콘텐츠학회논문지
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• 제17권6호
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• pp.63-70
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• 2017

우리나라는 전 국민 건강보험 의료체계를 근간으로 하고 있으나, 보장성이 낮아 많은 국민들이 높은 의료비의 재정적 부담 완화를 위해 민간의료보험에 가입하고 있다. 본 연구에서는 민간의료보험의 가입 여부가 개인의 본인부담 진료비 지불에 대한 주관적인 부담 수준에 미치는 영향을 분석하였다. 보건의료정책방향 관련 대국민 실태조사 자료를 활용하여 총 1,564명을 연구 대상자로 선정하였으며, 관련성 파악을 위해 이분형 로지스틱 회귀분석을 실시하였다. 연구 결과, 민간의료보험 가입 여부는 본인부담금의 주관적 부담 수준과 유의한 관련이 있었으며(p<.0001), 민간의료보험 미가입자가 가입자에 비해 주관적 부담 수준이 더 높았다(OR, 1,190; 95% CI, 1,188-1,192). 고연령, 저소득층의 민간의료보험 가입률이 낮음을 감안할 때, 경제적 부담을 대비하는 민간의료보험의 순기능 강화와 형평성 문제 해결을 위한 민간의료보험의 역할 재정립이 필요하다.

• 마케팅과학연구
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• 제20권1호
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• pp.27-34
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• 2010

在过去的10年里，奢侈品销售已经有了显著的增长. 在2007年, 奢侈品消费额已经超过1300亿美元. 在奢侈品产业中, 有超过一半的利润来自平均收入显著增长, 对奢侈品的需求快速增加的亚洲. 在这个区域购买奢侈品牌已经成为一个有趣的社会现象并为这些公司带来利润. 作为新兴的发达国家, 韩国是亚洲最有吸引力的奢侈品市场之一. 如今, 共有120个奢侈时装品牌进入了韩国市场. 这些品牌主要集中在首尔的奢侈区域, 因此竞争也十分激烈. 本文的目的是: (1) 识别奢侈品牌态度的要素. (2) 测试奢侈品牌态度对顾客资产的影响. (3) 测定奢侈品牌态度对顾客终身价值的影响 (4) 深入研究顾客资产对顾客终身价值的影响. 以前的研究已经测定物质主义, 社会需要, 经验需要, 独特需要, 适应性和时尚卷入是对奢侈品牌态度的组成要素. Richins and Dowson (1992) 认为物质主义对与产品质量相关的购买行为有影响. Nueno and Quelch (1998) 写到对奢侈品牌的拥有传递着和所有者社会地位相关的信息. 表达着一种成功和声望的形象, 是购买行为的一个要素. 经验需要被认为是消费的一个重要方面. 尤其是发展满足消费者需求的新产品. 由于奢侈品被定义为相对稀少的产品, 对这些类型产品的拥有满足消费者对独特性的需要. 本研究中, 价值资产, 关系资产和品牌资产被测试为顾客资产的驱动因素. 样本 (n=114) 是在韩国首尔的两所私立女子大学的本科生和研究生. 我们在2009年3月进行了自填式问卷调查来收集数据. 我们运用SPSS15.0来分析数据, 包括叙述性统计, 因子分析, 信赖度分析和回归分析. 通过数据分析我们得出一些结论, 首先, 经验需要和时尚卷入对参与者对奢侈品牌的态度有积极的影响. 第二, 对奢侈品牌的态度对品牌资产有积极影响. 紧随其后的是价值资产和关系资产. 但是我们没有发现奢侈品牌态度和顾客终身价值之间的显著关系. 最后, 关系资产积极影响顾客终身价值. 总而言之, 年轻消费者是重要的潜在消费群. 他们尝试不同的品牌到最终发现哪种品牌最适合自己. 奢侈品营销者使用有效的行销策略来吸引这些可获利的潜在消费者并使他们产生忠诚度并增加顾客资产和顾客终身价值.

• 한국산학기술학회논문지
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• 제14권1호
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• pp.143-147
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• 2013

본 연구는 기업지배구조가 차입비용에 미치는 영향을 외국인 기관투자자의 역할에 초점을 맞추면서 분석하였다. 서로 다른 지배구조에 따른 차입비용에 영향을 보기 위해, 최대주주 지분율 기준으로 소유 집중도가 작은 기업표본, 중간 기업표본, 큰 기업표본으로 분류하여 회귀분석을 실시하였다. 분석결과, 소유 집중도가 중간이나 작은 기업표본에서는 외국인 투자자가 기업 차입비용에 영향을 미치는 것이 확인되지 않았으나, 소유 집중도가 큰 기업표본에서는 외국인 투자자가 기업의 차입비용을 크게 감소시키고 있는 것으로 나타났다. 본 연구의 학술적 시사점으로는, 지배대주주의 지분율이 높아질수록 이해일치가설에 의해 지배대주주는 자신의 사적 이익을 추구하게 되어 대리인 비용이 증가하고 경제적 가치가 하락하여 신용위험과 차입비용 증가로 이어질 수 있다는 것을 보여 준다. 실무적 시사점으로는, 외국인 투자자는 소유 집중도가 큰 기업에서 지배 대주주를 잘 견제 감시하고 경영의 외부감시 주체로서 경영 의사결정 효율화에 중요한 역할을 담당할 수 있다는 것을 보여준다.

• 한국융합학회논문지
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• 제10권8호
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• pp.217-226
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• 2019

본 연구는 국내의 대규모기업집단 소속기업들을 대상으로 지배주주의 소유지배괴리도(Wedge)가 자기자본비용에 미치는 영향을 분석하였다. 기존의 선행연구에 의하면 지배주주가 소유지분을 초과하는 의결권을 가지게 되면 지배주주가 소액주주를 착취하는 대리인 문제가 발생할 수 있고, 따라서 소유지배괴리도는 위험요인으로 인식되어 투자자들은 이에 대한 추가적인 보상을 요구하게 되어 자기자본비용은 상승한다. 소유지배괴리도는 공정거래위원회의 직접지분기준방식을 사용하여 측정하였고, 자기자본비용은 Ohlson(1995) 모형을 확장한 잔여이익평가모형으로 추정된 값을 이용하였다. 분석결과 지배주주의 소유지배괴리도와 자기자본비용 사이에는 통계적으로 유의미한 정(+)의 상관관계가 있는 것으로 나타났다. 이 결과는 지배주주의 의결권이 소유지분을 더 많이 초과할수록 지배주주의가 사적이익을 추구할 유인이 증가하여 투자자는 더 높은 위험프리미엄을 요구한다는 의미로 해석할 수 있다.

• 한국병원경영학회지
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• 제23권4호
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• pp.53-64
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• 2018

Purposes: The hospitals needs to generate a minimum profit, in order to perform its own role such as providing high-quality medical services. The demand for hospital management is increasing, as the social demands are diversified and the financial transparency is emphasized. The purpose of this study is to compare hospitals management based on Dupont Identity, by various hospital classification. Methodology: This study is based on '2016 Statistics for Hospital Management' provided by the Korea Health Industry Development Institute. The hospitals were classified according to the scope of care, the type of establishment, the location, and the number of beds. We analyzed the general and financial characteristics of over 337 hospitals using the method of Dupont Identity. Findings: Net profit margin (PM) has the biggest impact on return of equity (ROE). By the number of beds, general hospital with 160-299 beds have the highest return on equity (ROE). By location, hospitals in local municipalities have higher return on equity than hospitals in urban municipalities. According to the type of establishment, public hospitals have lower business performance, and although they invest more than private hospitals. Practical Implications: This study can inspire interest and provide understanding in hospital management and financial structure, by analyzing through an intuitive indicator named Dupont identity. It is possible to provide basic data for hospital management methods for each financial elements, in order to increase the profitability of hospitals.

• 경영과정보연구
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• 제5권
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• pp.139-160
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• 2000

Todays our private universities have been facing with serious survival competition according to the opening of education market, the diminishment of college voluntarists and the increase of education supply. In coming the beginning of the year of 2000, though the equal formula. 'The fixed number of students of universities = The number of graduates of high schools' will he formed, even though the tendency of the fixed number of students of universities is maintained as it is, and it has been expected the unlimited competition would be unvaoidable, so private universities and private junior colleges which are weak in financial power are roaring the crisis consciousness that they may have to close doors before making every effort. Based on such presentation of problem as its study object, the range of study is limitted to the educational financial portion related to higher education field. Especially, the financial portion of private universities of higher educational field is discussed in priority. Besides, the present status of financial condition of our universities was portionally compared with that of in the advanced nations. It is true that pursuing the academic superiority of university education in our country, and attaining object of university as well as developing reflection in future should stand side by side. Therefore, payment of fee, supporting subsidy, etc. is attached too much importance to the financial problem. In our country, the financial allotment is attached too much importance to national universities. This is against the principle of equity to the tax payers, and equality of opportunity, so the level of supporting national funds should be upward formed and supported from 1.0% to higher than 20%. In conclusion, our private universities should adopt as many alternatives of rationalization of finance as possible, such as securing lots of funds and subsidies, and rationalized management of finance, and ensuring finance according to the increasing number of students after university specialization, etc.

• 대한교통학회지
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• 제14권1호
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• pp.7-27
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• 1996

It is very costly to construct transportation facilities such as roads, bridges, tunnels, and public parking lots mainly because land price is very high in metropolis like Seoul. Private car oweners use these facilities more extensively than public transportation users. However, the government does not impose proper charges for using these facilities. Such improper charge causes traffic congestion and then decreases social welfare in efficiency and equity. To solve problem, many traffic demand management policies are used. Traffic management policies which are currently used or under consideration by the City Government of Seoul include the imposition of road tolls, increase of parking fees in public parking lots, increase of gasoline taxes, expanded implementation of bus only lanes, and shippujae, which requires one(1) non-driving day for 10 calendar days. This study examined the impacts of such policies on the different income classes using simulation analysis. We found that the impacts of market-oriented policies such as the imposition of road tolls and the increase of gasoline taxes is regressive. Also, we found that while the low and middle income private car users have incentive have incentive for public transportation use, the high income private car users have no incentive for public transportation use in many cases.

• 국제학술발표논문집
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• The 2th International Conference on Construction Engineering and Project Management
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• pp.509-519
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• 2007

Private financing is playing an increasing role in public infrastructure construction projects worldwide. However, private investors/operators are exposed to the financial risk of low profitability due to the inaccurate estimation of facility demand, operation income, maintenance costs, etc. From the operator's perspective, a sound and thorough financial feasibility study is required to establish the appropriate capital structure of a project. Operators tend to reduce the equity amount to minimize the level of risk exposure, while creditors persist to raise it, in an attempt to secure a sufficient level of financial involvement from the operators. Therefore, it is important for creditors and operators to reach an agreement for a balanced capital structure that synthetically considers both profitability and repayment capacity. This paper presents an optimal capital structure model for successful private infrastructure investment. This model finds the optimized point where the profitability is balanced with the repayment capacity, with the use of the concept of utility function and multi-objective GA (Generic Algorithm)-based optimization. A case study is presented to show the validity of the model and its verification. The research conclusions provide a proper capital structure for privately-financed infrastructure projects through a proposed multi-objective model.