• 제목/요약/키워드: Research type

검색결과 27,971건 처리시간 0.066초

서울지역 일 여자 상업고등학교의 성에 대한 지식 및 태도에 관한 연구 (A Study on the Knowledge and Attitude about Sex in One Commercial Girls' High school in Seoul)

  • 김은희
    • 한국학교보건학회지
    • /
    • 제4권2호
    • /
    • pp.100-118
    • /
    • 1991
  • This study was conducted in order to grasp the condition of the student's knowledge and attitude about sex. And to offer the basic materials for sex education of school health service. The objects were comprised of 464 volunteered students who study in commercial girls' high school. The material of this study was the questionaire suited to the purposed of this research which has been made through studying references. All the questionaire written by students. The self reported questionaires were collected immediately without explanation on supervision of school nurse. The data was collected from 28th to 30th of June on 1990. Analysis of the data was done utilizing SPSS for percentage, mean, ANOVA and Pearson Correlation Coefficients. The Results are as follows; 1. General features of the objects of study School grade distribution was similar. Fathers of 41-50 years were the highest(58.3%), mothers of 41-50 years were the highest(64.3%), family of living together were the highest(87.5%), fathers of graduated high school were highest(60.7%), mothers of graduated middle school were the highest(43.0%) and neuclear families were highest(91.5%). 2. The Conditions of Knowledge about sex When 5 Point was given to "Well known" and 1 point was given to "Never known", the total average was 2.97, Especially the mean of Female physiology was shown 3.93, 73.4% of students have known. But the mean of male physiology was shown 2.23, 17.2% of students only. And Family planning item was 3.54, hymen item was 3.38, female genitalia item was 3.35, abortion item was 3.25, Intercourse and pregnancy item was 3.24, Ovulation item was 3.02, Contraception item was 2.97, Veneral disease and masturbation item was 2.82, maintenance of pregnancy item was 2.76, Anatomical differences between male and female item was 2.59, male genitalia item was 2.31, ejaculation item was 2.27. 3. The conditions of attitude about Sex When 5 point was given to "Very affirming" and 1 point was given to "Very deny" the total average was 3.20. Especially the mean of social intercourse between other sex was shown 3.92, 73.4% of students have affirmed. But the mean of psychic response on menstruation was shown 2.24, 8.8% of students only. And baby birth item was 3.72, the fact that I am a woman item was 3.53, marriage item was 3.49. Secondary body change item was 3.38, puberty item was 3.31, delivery and sexual intercourse item was 3.05, pregenancy item was 3.02, psychic condition on menarche item was 2.50. Also present counsellors about sex were teachers in charge (44.9%), friends(21.6%), mothers(20.6%), elder sisters (10.6%), mass-communications (1.5%), fathers (0.4%), school nurses and elder brother(0.2%). In addition to, future counsellors about sex were friends (37.7%), mothers(30.6%), elder sister (18.4%), school nurses (4.6%), mass communication (3.8%), teachers in charge (2.5%), elder brothers (1.4%) and fathers(1.0%). 4. Correlation between the general features and knowledge variables School grade and knowledge condition has relationship to female genitalia(P<0.05), female physiology (P<0.00), male physiology (P<0.05),ovulation (P<0.00), and femily planning (P<0.005). Fathers age and knowledge condition has relationship to male physiology(P<0.05), and abortion (P<0.05). Marrital status and knowledge condition has relationship to female physiology (P<0.01), masturbation (P<0.05). Fathers educational background and knowledge condition has relationship to masturbation (P<0.00). Mothers age and knowledge condition has relationship to family planning (P<0.05). 5. Correlation between the general futures and attituded variables Fathers age and attitude condition has relationship to psychic response on menstruation (P<0.05). Mothers age and attitude condition has relationship to fact that I am a woman (P<0.00). Mothers educational background and attitude condition has relationship to social intercourse between other sex (P<0.05). Type of family and attitude condition has relationship to puberty (P<0.01). 6. Correlation between knowledge condition and attitude condition Those who had more knowledge about sex have more affirmative response (P<0.001).

  • PDF

중학생의 성에 대한 지식, 태도, 행위에 관한 조사연구 (A Study on Knowledge, Attitude and Behavior to Sexuality in Middle School Students)

  • 차은석
    • 한국학교보건학회지
    • /
    • 제12권2호
    • /
    • pp.357-375
    • /
    • 1999
  • The purpose of this study is to find out methods to control, regulate and prevent sexual violence and provide guidelines for sex education in middle school. This study was conducted to examine factors in relation to sexuality, attitudes toward women, experience of sexual contact, frequencies and kinds of pornography with which they had contact, and sex education. For the data collection, a survey was conducted from September 25 to October 1, 1997 by using prepared questionnaires. Questionnaires were given to 503 students from three different kinds of middle schools in Seoul, Boys, Girls, and Coeducation schools. The data analyses used a PC-SAS. Each item was examined by frequencies and percentage. To compare Boys with Girls, I applied a T-test. In addition, with the kinds of school type, I applied anANOVA, ${\chi}^2$. Moreover, For investigating and analyzing each category, I categorized knowledge and attitude of sexuality, with precautionary measures of sexual violence. After that I applied T-test, ANOVA, and a Pearson's correlation for each category. The instruments of this study consisted of 9 domains. (1) General characteristics of the respondents (2) 9 questions about the interaction between he/she and his/her parent. (3) 12 questions, concerning A Scale for Attitudes of Adolescents Toward women(AWSA). (4) 26 questions related to sexual knowledge. (5) 25 questions about sexual attitude (6) strategies for prevention of sexual violence-33 questions (7) 5 questions related to sexual behavior (8) the experience of contact with pronography. (9) the experience of sex-education. The major results were summarized as follows; 1. Like many researches, This study shows that the girls are more eqalitarian than boys. The girls mean ($40.90{\pm}3.67$) is significantly higher than boys ($34.72{\pm}3.77$). Most Koreans have believed that there are many differences between men's roles and women's ones, because of confucianism which had been implied in most thought and ideas since the Lee dynasty. Therefore, the result is not surprising at all. 2. Most students answered correctly the questions of sexual knowledge. The girl's score was higher ($Mean{\pm}SD$ : $48.88{\pm}2.39$) than the boys' ($Mean{\pm}SD$ : $46.95{\pm}3.90$)(p 0.001). Nevertheless, the hypothesis that sexual knowledge influences sexual attitude and its behavior was rejected. 3. When twenty-five questions were asked about sexual attitude, the girl students investigated were found to have a more propre sexual attitude than that of the boys. A significant difference was found between boys and girls(p=0.001). The result shows that a person who has more experience in viewing pornography and who smokes will have a more distorted view of sexuality. 4. There are many students who have experienced of sexual contact. They need to take a sex education program about contraception and prevention of sexually transmitted diseases. Systematic and concrete sex education is one way to lead them to proper sexual behavior. 5. Most respondents rejected stereotyped attitudes towards women. Boys, however, were more likely to accept stereotypes of Women. The girl's mean($Mean{\pm}SD$ : $40.90{\pm}3.67$) is higher than the boys($Mean{\pm}SD$ : $34.72{\pm}3.77$)(p=0.0001). 6. Many boys ignored the rules for prevention of sexual violence. A boy or a girl who has more experience of sexual contact over kiss and sex-typed neglected the rules, too(p=0.001). Today, there is increasing juvenile delinquency related to sexuality. This study provided the basic material for a preventive education system. I believe that a systematic and concrete sex education system can be helpful for adolescents and promote their responsibility as well as cultivate morality about sexuality. As a result, juvenile delinquency can be decreased. This study is basically aimed to provide information for a prevenative education system of sexual violence. Further research is recommended to evaluate programs in schools.

  • PDF

WRF-SMOKE-CMAQ(MADRID)을 이용한 한반도 봄철 황사(PM10)의 농도 추정 (An Estimation of Concentration of Asian Dust (PM10) Using WRF-SMOKE-CMAQ (MADRID) During Springtime in the Korean Peninsula)

  • 문윤섭;임윤규;이강열
    • 한국지구과학회지
    • /
    • 제32권3호
    • /
    • pp.276-293
    • /
    • 2011
  • 본 연구에서는 한반도 황사 사례 동안 WRF 기상모델과 SMOKE 배출량모델, CMAQ 및 CMAQ-MADRID 대기질 모델을 이용하여 다양한 황사 발생량 경험식에 대한 $PM_{10}$의 농도를 추정하였다. 특별히 Wang et al.(2000), US EPA 모델, Park and In(2003), GOCART 모델, DEAD 모델의 5가지 황사 발생 경험식이 중국과 몽골 등의 황사 발생량을 추정하기 위해 WRF-SMOKE-CMAQ(MADRID) 모델에 적용되었다. 일기도, 후방궤적 및 위성이미지 분석에 따르면 한반도로의 황사 수송은 절리저기압(위성에서 콤마형 구름)과 관련된 지상 전선의 뒤쪽에서, 그리고 상층 제트류의 발달에 기인한 파의 정체현상과 함께 상층 골에서의 풍속이 하층으로 전이되는 풍하 바람에 의해 생성되었다. 그리고 WRF-SMOKE-CMAQ 모델링 결과, 황사의 시 공간적 분포에 있어서는 Wang et al.(2000)의 경험식이, 평균 편의 및 평균 제곱근 오차에서의 정확도 부분에서는 GOCART 모델의 경험식이 관측값을 보다 잘 모사하는 것으로 나타났다. 또한 Wang et al.의 경험식을 이용한 황사의 연직분포 분석 결과에서 강한 황사 사례(2007년 3월 31에서 4월 1일 $800\;{\mu}g/m^3$ 이상)의 경우는 황사 수송이 한반도 상공 대기 경계층 내를 통과하였기 때문으로, 약한 황사 사례(2009년 3월 16일과 17에 $400\;{\mu}g/m^3$ 이하)의 경우는 황사 수송이 경계층 위를 통과하였기 때문으로 나타났다. 또한 CMAQ 모델과 CAMQ-MADRID 모델에서의 미세먼지($PM_{10}$) 민감도 분석 결과에서는 CMAQ-MADRID 모델이 CMAQ 모델에 비해 한반도를 포함한 동아시아 지역에서 최대 $25\;{\mu}g/m^3$ 정도가 높게 모사되었고, 모델 내 구름 액상과정에 의해서는 최대 $15\;{\mu}g/m^3$ 정도가 제거되는 것으로 나타났다.

암환아 가족의 가족 가치관 분석 (Analysis on Family Value of the Family with Cancer Children)

  • 박인숙;김달숙
    • Child Health Nursing Research
    • /
    • 제7권3호
    • /
    • pp.322-341
    • /
    • 2001
  • The family value is expected to play a crucial role in adjusting a new environment for the family, especially in the critical situation as having a child with cancer in the family. The purpose of the study was to analyze the family values of the family with cancer children in order to offer descriptive data, which will facilitate family adjustment with cancer children. The survey was conducted from July 18, 2000 to August 30, 2000 and the analysis included 309 parents of the children who have been diagnosed as cancer, 18 years of age or less, and treated either hospitalized or at the outpatient clinics. Two instruments were used to measure family value. The modified form of General family value scale was 18 items with a 5 points of Likert response format (Cronbach alpha= .78) and Family value scale was developed for the study with 12 items on a 5 points of Likert response format(Cronbach alpha= .73). The data analysis utilized SAS 6.12 for percentage, frequency, Mean, and t-test of demographic characteristics and mean, F score, ANOVA, and Duncan follow-up test of variable relationships. The study findings were as follows. 1) In General family value, the fathers gave the higher scores to 'The children should live with their parents'(M=4.01), and 'A parents and their children are like one body' (M=3.91). The item with lowest score was 'Its not impossible for man to have extramarital relationship'(M=1.92). The mothers thought the most important items were 'A parents and their children are like one body'(M=3.79), and 'A wife needs to be patient to keep harmony of the family' (M=3.56), and the item with lowest score was 'Its not impossible for man to have extramarital relationship'(M=1.44). 2) The mean scores of the mothers were higher than the fathers for all items in family value with cancer children, while fathers gave more points for items in general family value. Both of parents gave the highest score to 'The health of the family is most important to me'(M=4.85 for fathers, M=4.97 for mothers), and followed by 'The husband and wife need to be patient and understand each other to overcome the difficulties'. The item with lowest scores was 'The parents can have conflicts in making decisions since their child was sick'(M=3.34 for fathers, M=3.37 for mothers). 3) There were significant differences between fathers and mothers in items of General family value; fathers gave more points to the items of 'The children should live with their parents', 'Its essential to hold the ceremony to respect their forefathers', 'Its not impossible for man to have extramarital relationship', 'A woman with two daughters should have one more baby to succeed the generation', 'The husbands are responsible for the household economy', and 'When his mother and wife dont get along, the man should be on his mothers side'. However, there was no significant difference between fathers and mothers in items of Family value with cancer children. 4) The general family value was significantly different by the birth order of cancer children, mothers age, mothers education level, and types of payment. On the other hand, the family value with cancer children was significantly different by the age of cancer children, period of illness, period after completing treatment, family type, the number of family members, and the number of total children.

  • PDF

국내 유통 고춧가루의 병원성 대장균 오염 및 대장균 저감화 방법 (Efficient Treatment Methods for Reducing Escherichia coli Populations in Commercially-Available Red Pepper Powder in Korea)

  • 송영진;박세원;천세철;최미정;정구춘;이시경
    • 한국식품영양과학회지
    • /
    • 제41권6호
    • /
    • pp.875-880
    • /
    • 2012
  • 국내에서 생산 유통 중인 50개의 시료 고춧가루에서 병원성 대장균 오염도 조사를 실시하였다. 병원성 대장균의 확인은 분자생물학적 방법인 PCR(polymerase chain reaction)법을 사용하였으며 4종류의 병원성 대장균(EAEC, EPEC, EHEC, ETEC)의 검출은 각각 target gene을 검출할 수 있는 primer와 반응시켜 시료 중 병원성 대장균의 종류를 확인하였다. 실험 결과 시료 50점 중 1점에서 병원성 대장균이 검출되었으며 오염도는 2%이며, 병원성 대장균의 종류는 EAEC(장관 부착성 대장균, enteroadherent E. coli )형으로 확인되었다. 고춧가루 시료에 대장균 표준균주를 인위적으로 접종 후 시료에 알코올을 농도별로 희석하여 처리하고 선택배지를 사용하여 대장균수를 확인한 결과, 대조군은 대장균 수가 $1.2{\times}10^6$ cfu/mL로 검출되었고, 알코올 10% 처리하여 10분 경과하였을 경우 대장균 수는 $1.1{\times}10^6$ cfu/mL이었으나, 시료에 알코올 20% 이상의 농도로 처리한 실험군은 백배희석 시료에서 대장균이 검출되지 않았다. 이에 고춧가루에 20%이상 농도로 10분 이상 알코올 침지 처리는 대장균 살균에 효과가 있었다. 또한, 대장균 표준군주를 접종한 시료에 UV를 시간별로 구분하여 조사 후 선택배지를 사용하여 대장균 수를 확인한 결과 대조군의 대장균 수는 $5.0{\times}10^5$ cfu/mL이었으나 45분간 UV를 조사 후 확인한 대장균 수는 $1.0{\times}10^3$ cfu/mL이었고, 60분과 120분의 UV 조사 시 백배 희석한 시료에서 대장균은 검출되지 않았다. UV 조사 시 45분 경과시에 대장균 수는 $10^2$ cfu/mL 감소되었고, 60분 이상 UV조사 시 백배희석 시료에서 대장균이 검출되지 않아 고춧가루 시료의 오염 감소에 효과가 있었다.

여러 종류 콩의 일반 및 기능성 성분 분석 (Analysis of the General and Functional Components of Various Soybeans)

  • 이솔;이윤복;김향숙
    • 한국식품영양과학회지
    • /
    • 제42권8호
    • /
    • pp.1255-1262
    • /
    • 2013
  • 본 연구는 검정콩 2호, 대원콩, 선흑콩, 소명콩, 신팔달콩 2호, 진품콩 2호, 태광콩, 푸른콩에 대해 이화학적 특성과 기능성 성분에 대한 기초 자료를 얻기 위하여 실시하였다. 일반성분 분석 결과, 수분함량은 5.50~6.16% 범위였고, 조단백 함량은 40% 내외로 시료 간 큰 차이는 없었다. 조지방 함량은 푸른콩, 대원콩, 소명콩 및 검정콩 2호가 20% 내외로 비교적 높은 편이었고, 진품, 선흑, 신팔달콩 2호, 태광콩는 15% 내외로 비교적 낮은 편이었다. 회분 함량은 4.89~5.86%로 나타내어 품종 간의 큰 차이를 보이지 않고, 탄수화물 함량은 26.20~35.45%로 분포하였다. 무기질의 함량에서 콩나물용 칼슘 함량은 소명콩이 406.36 mg/100 g으로 가장 높았고, 마그네슘 함량은 신팔달 2호가 247.79 mg/100 g으로 가장 높았다. 이에 반해 진품콩은 칼슘이 199.51 mg/100 g으로 가장 낮았고, 선흑콩은 가장 낮은 마그네슘 함량(90.03 mg/100 g)을 나타냈다. 총 이소플라본 함량은 97.54~402.00 mg/100 g으로 품종 간 차이를 보였다. 시료 중 가장 높은 함량을 나타낸 것은 콩나물용 소명콩이었고, 가장 낮은 함량을 나타낸 것은 밥밑용 선흑콩이었다. 총 올리고당 함량은 5.84~9.35 mg/100 g이었다. 총 올리고당 중 sucrose의 함량이 약 50% 정도로 나타났다. Raffinose는 0.52~0.81 mg/100 g으로 함량이 나타났고, stachyose의 함량은 2.05~3.45 mg/100 g으로 나타났다. Bracassisterol, campesterol, stigmasterol, ${\beta}$-sitosterol을 분석한 것으로 ${\beta}$-sitosterol이 평균적으로 식물성 sterol의 50%를 차지하였고, 그 다음으로 campesterol, stigmasterol 순서였으며 bracassisterol은 소량이 분석되었다. Phytic acid 함량은 신팔달콩 2호와 진품콩 2호가 0.86%, 1.65%로 이를 제외한 시료들은 약 2% 정도를 함유한 것으로 분석되었다. 식이섬유소 함량은 24.20~29.20% 범위로 나타났다.

토지이용 변화에 따른 수문 특성의 변화를 추적하기 위한 Lumped모형의 개발 (Development of lumped model to analyze the hydrological effects landuse change)

  • 손일
    • 대한지리학회지
    • /
    • 제29권3호
    • /
    • pp.233-252
    • /
    • 1994
  • 토지이용수문학을 위한 하나의 대안으로, 모형의 단순성, 모형변형의 용이성, 그리 고 모의된 모형으로부터 지속적인 유량 예측 능력을 지닌 Lumped모형을 이용해 토지이용 변화에 따른 수문특성의 변화를 추적하였다. Blackie(1972)의 모형을 근간으로, R1131(11-parameter, 3-storage, l-input option) 모형을 구축하였다. 연구 대상 유역분지는 케냐에 있는 Kimakia Catchement K11이며, 이곳의 토지이용은 3번 변화하였다. 3단계의 토 지이용 기간에 대해 모형을 보정한 결과, 모형유효도는 96.78%, 97.20%, 94.62%이며, 전체유 량오차는 각각 -1.78%, -3.36%, 5.32% 였다. 보정된 모형을 이용해 각 토지이용 단계별로 확장유출량을 발생시키고, 빈도해석을 시도했다. 홍수 규모가 작은 경우 식생변화에 따라 31.3%와 32.1% 정도로 홍수량이 줄어들었으나, 홍수 규모가 커짐에 따라 홍수량의 감소 정 도는 점차 작아지고 있다. 이와 같은 현상은 갈수량의 변화에서도 발견된다. 또한 식생이 어 느 정도까지 성장한 이후에는 계속된 식생 성장에도 불구하고 홍수량과 갈수량은 큰 변화가 없다.

  • PDF

침치료 직 후 자가 설문지를 이용한 침반응(針感)과 부작용에 대한 단면적 연구 (Short Tenn Reactions to Acupuncture Treatment and Adverse Events Following Acupuncture in Korea a Cross-sectional Survey of Patient Reports)

  • 박성욱;정우상;문상관;고창남;조기호;김영석;배형섭;박정미
    • 대한한의학회지
    • /
    • 제28권2호통권70호
    • /
    • pp.66-79
    • /
    • 2007
  • Objectives : To explore the type and frequency of short term reactions, de Qi associated with acupuncture treatment and to determine the incidence of adverse events following acupuncture in Korea. Subjects and methods : This study is a retrospective and cross-sectional survey of patient reports. 1095 subjects, 585 of out-patients of the Oriental Medicine of Stroke & Neurological Disorders Center, East-West NEO Medical Center of Kyunghee University and 510 of out-patients of the Department of Cardiovascular & Neurologic Diseases (Stoke Center), Hospital of Oriental Medicine, Kyunghee Medical Center, from June through November of 2006, who had acupuncture, gave informed consent and completed one survey form. On this form, patients were asked to report short term acupuncture reactions, de Qi, patient satisfaction measurement (using VAS), and adverse events relating to acupuncture treatment. The acupuncturists of this study are Korean Medicine Doctors (KMD) who had worked as practitioners for 3-30 years or more. Results : The average age of the 1095 subjects was 58 years old. Positive short term acupuncture reactions after treatment were reported by 878 (80.2%), negative short term acupuncture reactions by 75 (6.8%) and no reactions were reported by 142 (13.0%). The most common positive short term acupuncture reactions were feeling 'relaxed', 472 (43.1%), followed by feeling 'less pain' 90 (8.2%), 'energized' 16 ( 1.5%), 'tingling' 16 (1.5%), 'heat feeling or Cold feeling' 10 (0.9%), and others 274 (25.0%), respectively. Negative short term acupuncture reactions were feeling 'pain' 37 (3.4%), tiredness 24 (2.2%), dizziness 9 (0.8%), and others 5 (0.2%), respectively. Traditionally described needling sensations of de Qi refer to a patient's response to distention, pulling, soreness, heaviness, numbness. 39.7% of subjects reported de Qi during needling, experiencing 'distention' 333 (30.4%), 'soreness' 52 (4.7%), 'pulling' 22 (2.0%), 'heaviness' 18 (1.6%), and 'numbness' 10 (0.9%) respectively. Positive short term acupuncture reactions and de Qi rate were the highest in the less than 40 years group (83/96 86.5%, 50/96 52.1%). No acupuncture reactions were highly seen in the over 70 years old group (31/187, 16.6%). Patient satisfaction level using VAS was a comparatively high $72.9{\pm}19.9$. Adverse events were only bleeding in 92 (8.4%) of the total subjects. High sensitive acupoints were 95 points as GV26 (54 times), LI4 (54 times), ST36 (53 times), GB20 (37 times), HT8(34 times), LV3 (29 times), SI3 (29 times), and LI11 (27 times) in order. Main impressions were stroke patients 430 (16.9%), headache 185 (16.9%), hypertension 97 (8.9%), and dizziness 85 (7.8%). Conclusions : Although 8 different Korean Medicine Doctors participated in this research, we obtained similar results from each. There were no significantly different results between the two hospitals. Short term acupuncture reactions and de Qi were most related to age. Except for bleeding there were no adverse events relating to acupuncture treatment in this study. We consider acupuncture treatment as very safe depending on practitioners. Positive short term acupuncture reactions after treatment were 12 times higher than negative short term acupuncture reactions. Subjects were comparatively satisfied with acupuncture treatment.

  • PDF

멀티채널에서의 고객만족제고 인센티브 연구 (Optimal Incentives for Customer Satisfaction in Multi-channel Setting)

  • 김현식
    • 한국유통학회지:유통연구
    • /
    • 제15권1호
    • /
    • pp.25-47
    • /
    • 2010
  • 고객만족제고에 관심을 기울이고 노력을 경주하는 기업이 늘어나면서, 유통업자들에게 고객만족제고 인센티브를 제공함으로써 그들의 고객만족노력을 불러일으키고자 하는 노력 역시 활발해 지고 있다. 이러한 노력은 상호 경쟁하는 멀티채널을 운용하는 기업들 역시 마찬가지이다. 그러나 지금까지의 고객만족제고방안에 관한 연구는 종업원이나 단일유통업자 등단일주체에 초점을 두고 진행되어 왔을 뿐 경쟁이 발생하는 멀티채널 상황에서의 고객만족제고 인센티브에 대해서는 별다른 연구가 이루어지지 않고 있다. 이러한 문제의식에서 출발하여, 본 연구에서는 게임이론에 기반한 수리경제학적 분석을 통해 멀티채널을 운용하는 기업의 고객만족제고방안에 주안점을 두어 제조업자가 두 유통업자를 운용하는 멀티채널 모형을 상정하여 고객만족제고 인센티브를 어떻게 제시하는 것이 바람직한지 규명하였다. 본 연구의 주요결과는 다음과 같다: (1)명성수준이 높을수록 고객만족제고 인센티브 수준을 높이는 것이 바람직하다. (2)멀티채널 사이의 보완적 외부효과가 클수록 고객만족제고 인센티브 수준을 높이는 것이 바람직하다. (3)유통비용이 클수록 멀티채널에서의 고객만족제고 인센티브의 수준은 낮게 제시하는 것이 바람직하다. (4)채널간 경쟁강도가 높을수록 고객만족제고 인센티브 수준을 높이는 것이 바람직하다.

  • PDF

해외투자(海外投資)와 지속가능발전 원칙 - 프로젝트 파이낸스의 적도원칙(赤道原則)을 중심으로 - (How to Reflect Sustainable Development, exemplified by the Equator Principles, in Overseas Investment)

  • 박훤일
    • 무역상무연구
    • /
    • 제31권
    • /
    • pp.27-56
    • /
    • 2006
  • Today's financial institutions usually take environmental issues seriously into consideration as they could not evade lender liability in an increasing number of cases. On the international scene, a brand-new concept of the "Equator Principles" in the New Millenium has driven more and more international banks to adopt these Principles in project financing. Sustainable development has been a key word in understanding new trends of the governments, financial institutions, corporations and civic groups in the 21st century. The Equator Principles are a set of voluntary environmental and social guidelines for sustainable finance. These Principles commit bank officers to avoid financial support to projects that fail to meet these guidelines. The Principles were conceived in 2002 on an initiative of the International Finance Corporation(IFC), and launched in June 2003. Since then, dozens of major banks, accounting for up to 80 percent of project loan market, have adopted the Principles. Accordingly, the Principles have become the de facto standard for all banks and investors on how to deal with potential social and environmental issues of projects to be financed. Compliance with the Equator Principles facilitates for endorsing banks to participate in the syndicated loan and help them to manage the risks associated with large-scale projects. The Equator Principles call for financial institutions to provide loans to projects under the following circumstances: - The risk of the project is categorized in accordance with internal guidelines based upon the environmental and social screening criteria of the IFC. - For Category A and B projects, borrowers or sponsors are required to conduct a Social and Environmental Assessment, the preparation of which must meet certain requirements and satisfactorily address key social and environmental issues. - The Social and Environmental Assessment report should address baseline social and environmental conditions, requirements under host country laws and regulations, sustainable development, and, as appropriate, IFC's Environmental, Health and Safety Guidelines, etc. - Based on the Social and Environmental Assessment, Equator banks then make agreements with borrowers on how they mitigate, monitor and manage the risks through a Social and Environmental Management System. Compliance with the plan is included in the covenant clause of loan agreements. If the borrower doesn't comply with the agreed terms, the bank will take corrective actions. The Equator Principles are not a mere declaration of cautious banks but a full commitment of lenders. A violation of the Principles in the process of project financing, which led to an unexpected damage to the affected community, would not give rise to any specific legal remedies other than ordinary lawsuits. So it is more effective for banks to ensure consistent implementation of the Principles and to have them take responsible measures to solve social and environmental issues. Public interests have recently mounted up with respect to environmental issues on the occasion of the Supreme Court's decision (2006Du330) on the fiercely debated reclamation project at Saemangeum. The majority Justices said that the expected environmental damages like probable pollution of water and soil were not believed so serious and that the Administration should continue to implement the project seeking ways to make it more environment friendly. In this case, though the Category A Saemangeum Project was carried out by a government agency, the Supreme Court behaved itself as a signal giver to approve or stop the environment-related project like an Equator bank in project financing. At present, there is no Equator bank in Korea in contrast to three big banks in Japan. Also Korean contractors, which are aggressively bidding for Category A-type projects in South East Asia and Mideast, might find themselves in a disadvantageous position because they are generally ignorant of the environmental assessment associated with project financing. In this regard, Korean banks and overseas project contractors should care for the revised Equator Principles and the latest developments in project financing more seriously. It's because its scope has expanded to the capital cost of US$10 million or more across all industry sectors regardless of developing countries or not. It should be noted that, for a Korean bank, being an Equator bank is more or less burdensome in a short-term period, but it must be conducive to minimizing risks and building up good reputation in the long run.

  • PDF