• International Journal of Human Ecology
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• 제7권2호
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• pp.53-62
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• 2006

The purpose of this study is to examine the changes in financial structure of the self-employed brought on the economic crisis in Korea.. We use financial ratio analysis, such as income to expenditure ratio, liquidity ratio, debt ratio, and capital accumulation ratio to analyze financial well-being of self-employed households. This study used a 1997 and 1998 Korean Household Panel Study collected by Daewoo Economic Research Institute. The average amount of holding of each type of asset showed that the investment of self-employed households decreased in the banking industry and the stock market in 1998 compared to 1997. On the other hand, asset allocation in bond and real estate increased, which implied preference for a stable type of asset with the increase in uncertainty of the future and economic instability. Devaluation of real estate allowed households to easily obtain real estate and increase preference for asset allocation in real estate after the crisis. The changes in financial ratio for the year 1998 shows that such ratios as income to expenditure, liquidity, and capital accumulation, decreased compared to the year 1997. Among those ratios, the income to expenditure ratio showed the biggest decline because of reduced income of self employed households. The results implied that the income structure of the self-employed is unstable, thus the self-employed were likely to be greatly affected during the economic downturn. Earners have more average income and net assets than the self-employed. However, using financial ratios, it was found that self-employed households were more stable than employees. The results shows that the financial ratio analysis is better tool to estimate households financial status. Implications for financial educators, counselors, and planners are offered. The results will provide implications for policy makers to establish appropriate policies for the self-employed and help them financially survive.

• 정보학연구
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• 제6권3호
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• pp.53-64
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• 2003

우리나라에서 부동산은 투자대상이라기보다는 투기의 대상으로 인식되어 온 배경에는 부동산의 투자에 거액의 자본이 필요할 뿐 아니라, 부동산투자에 대한 정보의 부재가 큰 원인 중의 하나이었던 것으로 생각된다. 본 연구에서는 부동산투자를 건전한 방향으로 유도하고, 투자대상으로 활성화시키기 위한 투자가치평가모형 및 가치평가에 필요한 정보에 대해 설명하였다. 부동산 투자를 건전화하고 투자대상으로 활성화하기 위해서는 투자와 관련된 현금흐름의 추정 및 위험의 평가가 가능해야 한다. 이를 위해서 부동산의 유형별 및 지역별 거래량, 가격의 공시, 및 정부의 규제정책에 대한 정보가 필수적이다. 또한, 소액의 자본으로 부동산투자를 가능하게 하기 위하여 REITs와 같은 간접투자방법을 가속화하기 위한 정부의 제도적인 지원이 필요할 것으로 생각된다.

• 응용통계연구
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• 제23권3호
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• pp.457-469
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• 2010

우리나라의 부동산정책은 주거안정과 경기조절이라는 상반된 목표 사이에서 규제 완화와 강화를 반복해 왔으며, 주택정책이 부양책에서 2003년부터 규제책으로 전환되면서 각종 부작용을 유발하게 되었다. 본 연구는 부동산정책이 앞 정권의 관심사였다는 관점에서 부양책의 영향을 받던 정권 초기와 규제책의 영향이 가장 심했던 후기 수도권 및 광역시의 주택가격 변동에 어떠한 흐름이 존재했는가를 통계적으로 검정하여 그 차이를 비교, 분석해 보았다. 지역간 가격 변동의 연관관계는 규제의 효력이 발생하면서부터 전에 비해 현저히 단순화된 것으로 검정되며, 수도권의 가격 선도력이 강화되면서 경제력 편중으로 인한 지역간 불균형 현상이 뚜렷해진 현실을 시사한다.

• 융합경영연구
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• 제12권2호
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• pp.51-60
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• 2024

Purpose: The purpose of this study was to analyze the factors influencing the housing satisfaction of the new middle-aged who returned to farming to derive the implications of real estate policies to resolve regional imbalances. Research design, data and methodology: As a result, this study used secondary data, housing survey data, and identified factors influencing housing satisfaction through multiple regression analysis as well as basic analysis such as exploratory factor analysis, reliability analysis, technical statistics analysis, and correlation analysis. Previous studies, in particular, mainly focused on aging, retirement, economic activity, and retirement preparation, but this study was able to derive predictive factors that can increase the persistence of living after returning to farming by analyzing housing satisfaction for the new middle-aged, and as a result, suggest implications for resolving regional imbalances. Results: As a result of the analysis, it was found that housing structure status had the greatest influence among the three factors of housing-related predictors: housing structure status, facility accessibility, and surrounding environment, suggesting that policy alternatives that can improve the quality of the housing structure itself should be prepared rather than facility accessibility and the surrounding environment. Conclusions: Based on these results, we discussed implications for improving the housing structure to increase the continuity of living for the new middle-aged after returning to farming, and presented follow-up research directions on the need for complementary research in addition to individual analysis of influencing factors, limitations of secondary data, and the lighting of research on the new middle-aged and other generations who did not return to farming.

• 한국건설관리학회:학술대회논문집
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• 한국건설관리학회 2002년도 학술대회지
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• pp.555-558
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• 2002

분양률은 부동산의 대부분을 차지하고 있는 아파트 시장의 경기와 전망을 예측하거나 정부정책기관 및 관련기업 등에서 중${\cdot}$장기적인 정책이나 전략을 수립하는데 있어서 중요한 변수이다. 하지만, 이에 대한 확실한 개념과 분양률의 영향변수에 대한 관계성이 제대로 정립되지 않아서 체계적인 접근 및 분석방법의 기준을 제시하는 데에 어려움이 있다. 이러한 근거로 본 연구에서는 분양률에 영향을 미치는 변수를 요인별로 도출하여 이를 영향변수로 정의한 다음, 각 요인별 영향변수들 간의 상관관계를 분석하고 이를 전체적으로 파악할 수 있도록 모든 요인별 영향변수들에 대해서 도식화한 분석모델을 제시하고자 한다.

• 융합경영연구
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• 제9권6호
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• pp.15-24
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• 2021

Purpose: The purpose of this study is to analyze the residential environment satisfaction of young women's one-person households and the characteristics of young one-person households, and to present policy implications for their housing problems. Research design, data, and methodology: This study used 11th Korea Financial Panel Data. Analysis methods in this study include basic statistical analysis, frequency analysis, multiple regression analysis, and artificial neural network analysis. Results: As a result of the analysis of this study, 1) young one-person households showed that women had higher ratios of non-regular workers, real estate debt than men, and lower average income. The percentage of young people owning their own homes was very low at about 5%. 2) For young women, the higher the education level and monthly consumption, the lower the housing satisfaction. 3) Young women living in rental housing had lower housing satisfaction than their own. Conclusions: Women are paying more for housing security than men in young one-person households. In addition, the proportion of their own houses is very low. Therefore, there is a need for a policy on the housing safety issue of young women's one-person households. And policies to support young one-person households to own their own homes are required.

• 수산경영론집
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• 제52권1호
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• pp.83-99
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• 2021

Fisheries policies are diversifying, including welfare programs for fishermen, revitalization of earfish and villages, and support for the sixth industrialization of fishing villages. In response to these policy changes, the purpose of this study is to categorize the fishing village fraternity, which is a local community, a fishery production organization, and a basic unit of a fishing village, and compares the characteristics of each type A number of indicators were selected by collecting data on the Categorization and evaluation of fishing villages fraternity and the statistical geographic information service. A number of indicators were extracted as representative factor variables using the principal component analysis, and then cluster analysis was performed to categorize the fishing village fraternity. This study was the first to attempt a comprehensive approach to revitalize the fishing village economy by using not only demographic and social characteristics, industrial and economic characteristics, but also regional characteristics. The characteristics of each type of fishing village fraternity find its significance in that it provides basic information that can be used in policy decisions. In order to strengthen the sustainability of the fishing community in the future and contribute to the sustainable development at the national level, the development of sustainable fishing village fraternity development indicators and follow-up studies on fishing village regeneration strategies will be needed.

• 융합경영연구
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• 제11권6호
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• pp.9-22
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• 2023

Purpose: This paper aims to suggest ways to apply the leading technologies of Industry 5.0 to the housing welfare field, tasks for this, and policy implications. Research design, data, and methodology: The analysis method of this study is a literature study. The analysis steps are as follows. Technology trends and characteristics of Industry 5.0 were investigated and analyzed. The following is a method of applying technology 5.0 in the industrial field. Finally, the application areas of each technology and the challenges to be solved in the process were presented. Results: The results of the analysis are 1) the accessibility and diffusion of technology. This means that all citizens have equal access to and use of the latest technology. To this end, the appropriate use of technology and the development of a user-centered interface are needed. 2) Data protection and privacy. Residential welfare-related technologies may face risks such as personal information leakage and hacking in the process of collecting and analyzing residents' data. 3) Stability, economic feasibility, and sustainability of the technology. Conclusions: The policy implications include: 1) Enhancing technology education and promotion to improve tech accessibility for groups like the low-income, rural areas, and the elderly, 2) Strengthening security policies and regulations to safeguard resident data and mitigate hacking risks, 3) Standardization of technology, 4) Investment and support in R&D.

• 국제학술발표논문집
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• The 9th International Conference on Construction Engineering and Project Management
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• pp.33-41
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• 2022

Infrastructure procurement has been a major engagement route between China and Africa. This contributes immensely to the gradual infrastructure development seen on the continent. However, maturing discourse purports that these infrastructure collaborations lack intentionality in the continuous development of strategic guidelines and policies for effective implementation despite their uniqueness and criticality. This study proposes that an efficient approach to policy recommendations is through the political and economic analysis (PEA) of these partnerships using public-private partnership (PPP) optics. Unquestionably, these partnerships are representative of the concept of diplomatic transnational public-private partnership (DT-PPP) where infrastructure is procured through the collaboration of public (African governments) and private sector (Chinese state-owned corporations) who provide the managerial, financial, and technical resources for the project implementation. Given the quest for sustainable win-win, this study identifies strategies towards the realization of win-win in the implementation (i.e enablers of win-win) such that fairness and co-benefit, as well as interests, will be achieved. Thus, based on the PEA framework, case scenarios from Ghana and Nigeria using expert interviews identify the criticalities and best practices for the realization of these enablers at the development phase. Findings indicate more effort is required of the public sector (African host countries) in terms of people, structure/institutions, and the implementation processes. Recommendations include improvement of environmental management structures, contract administration procedures, external stakeholders/local community engagement mechanisms, knowledge and technology transfer procedures, and sector-based project operation and maintenance culture and systems. Additionally, actors must have emotional intelligence, good problem-solving abilities, and overall ensure cordial relationships for continued bilateral cooperation.

• 지역연구
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• 제10권1호
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• pp.53-70
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• 1994

The relationships between the Capital gains of housings by tenure, type and size have been analyzed. Major findings are (i) capital gain rate of 'chonsei' housing is larger than that of the owner occupied housing (ii) the small 'chosei' apartment has the highest capital gain rate and the lowest instability index (iii) the smaller the size of housings, the higher the capital gain rate and the smaller the instability index. Even though there is the 'structural change' in the capital gain rates of owner occupied and 'chonsei' housings, they are cointegrated. The capital gain of owner occupied housing is mainly affected by the real estate policies. But, The capital gain of 'chonsei' housing is mainly affected by the business cycle and the aggregate demand management policies.