• 경제분석
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• 제25권2호
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• pp.1-53
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• 2019

본 연구는 가계 일부가 부채 누적으로 신용시장에서 일정 한도 이상으로는 차입이 어려워 기간간 소비의 평활화(smoothing)에 제약을 받는 상황이 통화정책에 미치는 영향을 금융시장의 불완전성(incomplete financial markets)이 내재된 2주체 소규모 새케인지언 구조모형(Two Agents New Keynesian Model)을 통해 분석하고 있다. 생산비용 상승이라는 경제상황 변화가 있을 때 신용시장에서 차입한도제약을 받는 차입가계와 제약을 받지 않는 저축가계가 소비 및 노동공급에 대해 보이는 비대칭적 반응은 결국 두 가계간 통화정책 전달경로의 확장으로 이어진다. 물가갭과 생산갭을 동시에 고려하여 정책금리를 결정하는 신축적 물가목표 정책의 사회후생 수준은 차입가계 비중은 물론 모든 경제상황을 종합적으로 고려하여 정책금리를 결정하는 Ramsey 유형의 최적정책과는 비슷하고 순순하게 물가목표 달성만을 추구하는 엄격한 물가목표 정책의 사회후생 수준보다는 높았다. 이는 가계 일부가 차입한도제약을 받는 상황에서도 신축적 물가목표 정책이 여전히 유효함을 시사한다. 또한 생산비용 상승에 대하여 신축적 물가목표 정책과 최적정책 하에서 소비와 노동공급은 엄격한 물가목표 정책보다는 완만히 조정되는 것으로 나타났다.

• Journal of Applied Biological Chemistry
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• 제66권
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• pp.250-257
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• 2023

Glutamate는 포유류의 중추신경계에 분포하는 흥분성 신경전달물질로, 기억, 인지, 그리고 학습 등에 있어서 중요한 역할을 한다. 하지만 고농도의 Glutamate는 신경세포에 독성을 유발하여 신경세포사멸을 유도함으로써 알츠하이머병, 파킨슨병, 뇌졸중 등의 신경퇴행성질환을 일으키는 것으로 알려져 있다. 본 연구에서 아열대 천연물의 항산화 활성과 신경보호 효과를 분석하였다. 11종의 아열대 추출물 중에서 Salacca wallichiana 추출물 (SE)의 라디칼 소거활성이 뛰어난 것으로 나타났다. 그리고 SE의 신경보호 효과를 조사한 결과 glutamate로 유도되는 cell death로부터 신경세포를 보호하였다. 또한 glutamate로 유도되는 apoptosis로부터 HT22 세포를 보호하는 효과는 Annexin V와 PI로 염색한 후 flow cytometry를 통해 분석되었다. 추가적으로 H₂DCFDA 염색을 이용하여 SE가 glutamate로 유도되는 세포 내 활성 산소 종 (ROS)을 억제한다는 것을 확인했다. SE의 신경보호 효과는 oxidative stress로 유발되는 Mitogen-activated protein kinase (MAPK) signaling pathway를 억제함으로써 신경세포를 보호하는 것으로 나타났다. 결과적으로 SE가 신경퇴행성질환을 예방하기 위한 치료제 개발에 기여할 수 있음을 나타낸다.

• 응용통계연구
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• 제27권1호
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• pp.123-132
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• 2014

인플레이션의 불확실성은 기업투자의 기회비용 산정 등에 어려움을 줌으로써 설비투자를 위축시킬 수 있다. 본 연구에서는 우리나라에서도 이러한 가설의 성립여부를 검정하고자 시변모수(Time-Varying) GARCH모형과 품목별 상대가격 변동성을 통해 인플레이션과 관련된 불확실성을 측정하고 동 불확실성이 기업의 설비투자에 미치는 영향을 살펴보았다. 인플레이션 불확실성을 인플레이션율의 불확실성과 품목별 상대가격 변동성으로 각각 산출하여 추이를 살펴보면 우리나라의 인플레이션율이 구조적으로 낮아진 2000년대 이후에도 인플레이션 관련 변동성이 등락을 거듭하는 모습으로 보이고 있다. 또한, 동 지표들을 활용하여 설비투자와의 관계를 점검한 결과 인플레이션 불확실성은 예상한 바와 같이 기업의 설비투자에 유의한 부(-)의 영향을 미치는 것으로 나타났다. 특히 이러한 인플레이션 불확실성의 비대칭적 효과를 살펴보기 위해 마코프 국면전환 회귀모형(Markov-Switching Regression Model)을 추정한 결과, 인플레이션 불확실성의 투자위축 효과가 경기위축기에 더욱 커지는 것으로 나타났다.

• 지식경영연구
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• 제21권1호
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• pp.175-195
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• 2020

The development of platform service based on the information and communication technology has revolutionized patterns of commercial transactions, driving the growth of global economy. Furthermore, the radical advancement of artificial intelligence(AI) presents the huge potential to innovate almost all the industrial and economic activities. Given these technological developments, the goal of this paper is to investigate AI's impact on the platform service innovation as well as its influence on the business performance. For the goal, this paper presents the review of the types of service innovation, the nature of platform services, and technological characteristics of leading AI technologies, such as chatbot and recommendation system. As an empirical study, this paper performs a multiple case study of Kakao Group which is the leading mobile platform service with the most advanced AI in Korea. To understand the role and effect of AI on Kakao platform service, this study investigated three cases, including chatbot agent of Kakao Bank, Smart Call service of Kakao Taxi, and music recommendation system of Kakao Mellon. The analysis results of the case study show that AI initiated innovations in platform service concepts, service delivery, and customer interface, all of which lead to a significant decrease in the transaction costs and the personalization of services. Finally, for the successful development of AI, this research emphasizes the significance of the accumulation of customer and operational data, the AI human capital, and the design of R&D organization.

• 유통과학연구
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• 제15권12호
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• pp.53-60
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• 2017

Purpose - This paper analyzes the effect of the handset subsidy and the Mobile Number Portability subscriber subsidy regulation, which are the main regulation adopted in "Law on the Improvement of the Mobile Terminal Distribution System" (Mobile Terminal Distribution Act), on the social surplus, the consumer surplus and profits of telecommunications carriers. We focus our analysis on whether the service charge competition is stimulated enough so that it can compensate for the loss of subsidies. Research design, data, and methodology - We use simple economic model to assess the impact of the handset subsidy and the Mobile Number Portability subscriber subsidy regulation. Unlike the former researches on this topic, we depart from using Hotelling model, and instead use the switching cost model, which uses switching cost as a parameter of market powers of telecommunications carriers. We also study the effect of the two different regulations when they are adopted both independently and concurrently. Results - If the market powers of telecommunications carriers are over certain threshold, contrary to the regulatory agency's assertion, the service charge competition would not be stimulated enough to compensate for the deduction in the subsidies, and thus the consumer surplus is compromised. Number Portability subsidy, especially, undermines the rival's market power and thus reduces the service charge. On the other hand, the regulations will also increase the profits of telecommunications carriers. However, social surplus is maximized when both of the regulations are present because the regulations reduces the frequency of switching handsets inefficiently. Conclusions - In enacting the Mobile Terminal Distribution Act, the telecommunications regulatory agency asserted that the regulation on subsidies will stimulate service charge competition, and in the long run, enhance the consumer surplus. However, contrary to the regulatory agency's assertion, subsidy regulation, especially the regulation on Number Portability subsidy, reduces consumer surplus. On the other hand, the Mobile Terminal Distribution Act can also increase the profits of telecommunications carriers because it decreases competition among the telecommunications carriers. However, the Mobile Terminal Distribution Act can increase the social surplus because it reduces inefficient switching of handsets.

• 한국콘텐츠학회논문지
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• 제17권1호
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• pp.611-633
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• 2017

본 연구는 기대보상불일치이론에 기초하여 기업 내 관리자 그룹을 대상으로 직무활동에서 경험하는 기대불일치와 직무소진, 과다몰입의 매개효과 검증, 과다몰입과 직무소진과의 관계에서 상대적 LMX의 조절 효과 분석을 목적으로 하였다. 민간은행에 재직 중인 172명의 관리자를 대상으로 설문지를 수집 분석하였고 SPSS 24.0 프로그램을 활용한 실증분석이 이루어졌다. 요인분석을 통해 변수측정의 신뢰도와 타당성을 검증하였으며 다중회귀분석을 통해 영향관계를 분석하였다. 실증 분석 결과 기대불일치는 직무소진과 과다몰입에 정적인 영향을 미치는 것으로 확인되었으며 과다몰입은 기대불일치와 직무소진 간 매개효과 유의성을 검증할 수 있었으나 상대적 LMX의 조절효과 가설은 통계적으로 유의한 결과를 보여주지 않았다. 조직연구에서 역할의 중요성이 증대되는 관리자 그룹의 기대불일치현상이 과다몰입과 직무소진과의 인과 관계에 관한 실천적 함의와 직무설계 및 관리방안에 대한 시사점을 제시하였고 변수의 선행요인 정교화를 시도하였다는 점에서 학제적 의미를 찾을 수 있다.

• 대한가정학회지
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• 제47권1호
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• pp.13-24
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• 2009

The purpose of this study was to examine the effects of banking service quality on consumer satisfaction and positive word-of-mouth. A total of 330 bank consumers were investigated between Sept. 11 and Oct. 11, 2006. After sorting through the data, the responses of 299 consumer ( > 24 yrs old) were used for analysis. SERVPERF, the performance component of the Service Quality scale (SERVQUAL), was used to measure the four dimensions of reliability, responsiveness/empathy, assurance, and tangibles. Responses were partitioned by age and gender. The major findings were as follows; The effect of service quality by SERVPERF on consumer satisfaction and positive word-of-mouth did not differ according to gender. However, positive recommendation in males was directy related to the technical quality evaluate. In females, higher the functional quality evaluate was directly related to higher positive word-of-mouth recommendation. The effect of service quality by SERVPERF on consumer satisfaction was not revealed differently according to age. However, with respect to respondents under the age of 45, tangibles and assurance had a positive relationship with word-of-mouth recommendation. Furthermore, the higher the functional quality evaluate, the higher the level of positive word-of-mouth. Responsiveness/empathy was the most significant factor on positive word-of-mouth recommendation in respondents over the age of 45. In this age group, the higher the technical quality evaluate, the higher the level of positive word-of-mouth recommendation. These results have implications for banking service managers, particularly in improving service quality to increase consumer satisfaction and positive word-of-mouth. Future research is needed to replicate this study using more broad and representative samples in order to test the generalization of these findings.

• Asian-Australasian Journal of Animal Sciences
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• 제20권3호
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• pp.328-333
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• 2007

Carboxypeptidase E (CPE) plays an important role in the regulation of the body fat content. Therefore, it has been suggested as candidate gene for traits related to meat quality in beef cattle. This study was conducted to identify single nucleotide polymorphisms (SNPs) in the CPE gene and to investigate association of SNP marker with carcass and meat quality traits in Korean cattle. Three SNPs were identified in the intron 4 (A309G SNP and C445T SNP) and exon 5 (C601T SNP) of the CPE gene by sequence analyses of CPE cDNA and genomic DNA samples. The sequences have been deposited in GenBank database with accession numbers AY970664 and AY970663. Genotyping of the gene-specific SNP marker was carried out using the PCR-RFLP with restriction enzymes DdeI for C445T SNP and NlaIII for C601T SNP. The frequencies of C and T alleles were 0.43 and 0.57 for C445T SNP and 0.42 and 0.58 for C601T SNP, respectively. Statistical analysis indicated that the C445T SNP showed a significant effect (p<0.05) on marbling score (MS) and breeding value of backfat thickness (BF-EBV), respectively. Animals with the CT genotype showed higher marbling score and backfat thickness than those with the TT genotype. This marker also showed a significant dominance effect for the MS and BF-EBV (p<0.05). However, no significant associations were observed between C601T SNP genotypes and all traits examined. The results suggest that the CPE gene may be used as a marker for carcass traits in Korean cattle.

• 한국IT서비스학회지
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• 제19권2호
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• pp.23-35
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• 2020

The development of digital technology is changing the paradigm of the healthcare industry to preventive and consumer-oriented. The combination of the ICT industry and the bio-healthcare industry is emerging as a core industry in the era of the Fourth Industrial Revolution. The Korean government has also selected the bio-healthcare industry as one of the three key future development industries. In May, the government announced its bio-health industry innovation strategy and set a goal of 300,000 employees. Therefore, analyzing the effects of employment on the related industries of the digital bio-healthcare industry is very important for the establishment of future industrial and technology development policies. The research method restructures the integrated classification of 32 industries into 34, including the digital bio-healthcare industry, using the classification criteria of the government and professional institutions, and then reorganizes the digital bio-healthcare industry into eight industries classified as one industry group. The analysis data was taken from the Bank of Korea's 2019 data. Various trigger coefficients and ripple effects coefficients were rewritten using the analysis method of the Input-output Statistics. The analysis of the results compares the employment-induced effects of the digital bio-healthcare industry and the ripple effects of related industries in production, investment and value-added. In addition, in terms of investment effect, the effects of in-house and related industries were compared. It is hoped that the results of this study will be used to establish employment and industrial policies.

• 재무관리연구
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• 제26권4호
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• pp.83-102
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• 2009

Banks traditionally focus on the financial services against the uncertain future liquidity needs, i.e. saving as well as lending. As the business model of banks has been shifted from the originate to hold model to the originate to distribute model since the enactment of Gramm-Leach-Bliley Financial Services Modernization Act in 1999, the financial services encompass information gathering and generating, underwriting and risk sharing through packaging claims for the investors, in addition to the payment and settlement services. Ensued are the financial market integration and diversification of financial services, with which the accessibility to financial services is arguably significantly enhanced. Such integration and diversification necessarily entails the risk of contagion due to the non-fulfilling service over the several other financial services, which would be contained easily under the separate financial services. This paper addresses the pricing of fees for the integrated financial services through which the contagion could spread when the users of financial service are not immune to the failure to fulfill their obligation due to the economic turmoil. Consequently the information asymmetry about the clients is unavoidable. Higher fees could drive out the otherwise good clients out of the pool of customers for the financial services. Then, the risk could be exacerbated due to the proliferation of bad clients who are vulnerable to the financial distress and liquidity crunch. So the banks should take into account the interactional effect of the fees between/among the non interest based activities and interest based activities under the information asymmetry. Contrary to our general perception, the current analysis demonstrates that the bank should focus on the reduction of cost associated with good clients rather than that of bad clients.