• 제목/요약/키워드: credit attitudes

검색결과 24건 처리시간 0.019초

부(負) (Negative) DEA를 이용한 신용위험평가 (A Credit Risk Evaluation Using Negative DEA)

  • 이영찬
    • 한국경영과학회:학술대회논문집
    • /
    • 한국경영과학회 2005년도 추계학술대회 및 정기총회
    • /
    • pp.441-456
    • /
    • 2005
  • The purpose of this paper is to introduce the concept of negative DEA, which aims at identifying worst performers by placing them on the efficient frontier, This paper also proposes to use a layering technique instead of the traditional cut-off point approach, since this enables incorporation of risk attitudes and risk-based pricing. The results of the empirical application on credit risk evaluation validate the method which is proposed in this paper.

  • PDF

20·30대 채무불이행자의 부채사용의도 : 합리적 행동이론을 중심으로 (Debt-Use Intention of Young Defaulters on the Theory of Reasoned Action)

  • 김미라;김혜선
    • 가정과삶의질연구
    • /
    • 제29권6호
    • /
    • pp.9-25
    • /
    • 2011
  • This study was performed to explore the factors that affect debt-use intention of young defaulters. In addition, this study compares three models that predict the intention to use debt by young defaulters: the theory of reasoned action and two variations of it. Specifically, this study proposes an extended theory of reasoned action by introducing Ao in place of the cognitive structure in the theory of reasoned action. In addition, this study proposes Ao as an independent variable that acts on BI rather than a dependent variable. Self-administered questionnaires were completed by 196 young defaulters attending a credit management education session held by the Credit Counseling & Recovery Service in Kwang-ju, Korea. Based on the study, the conclusions are as follows: the extended theory of reasoned action as proposed in this article most suitably explained the intention to use debt by young defaulters. It was also found that young defaulters were affected by attitudes toward debt, attitudes toward using debt, and subjective norms. It is therefore suggested that an attitudinal message would change the behavior effectively for young defaulters. The findings appeared to support the usefulness of the extended theory of reasoned action and the role of Ao as an independent variable as proposed in this article to explain the intention to use debt by young defaulters. These findings have an important theoretical meaning in that they modify two existing attitude theories in the context of consumer behavior.

DEA와 Worst Practice DEA를 이용한 정보통신기업의 신용위험평가

  • 한국정보시스템학회
    • 한국정보시스템학회:학술대회논문집
    • /
    • 한국정보시스템학회 2005년도 추계학술대회 발표 논문집
    • /
    • pp.334-346
    • /
    • 2005
  • The purpose of this paper is to introduce the concept of worst practice DEA, which aims at identifying worst performers by placing them on the efficient frontier. This is particularly relevant for our application to credit risk evaluation, but this also has general relevance since the worst performers are where the largest improvement potential can be found. The paper also proposes to use a layering technique instead of the traditional cut-off point approach, since this enables incorporation of risk attitudes and risk-based pricing. Finally, it is shown how the use of a combination of normal and worst practice DEA models enable detection of self-identifiers. The results of the empirical application on credit risk evaluation validate the method which is proposed in this paper.

  • PDF

간호대학생의 경제의식에 관한 연구 (A Study on the Consciousness of Economic Ethics in Nursing Students)

  • 홍윤미
    • 간호행정학회지
    • /
    • 제9권3호
    • /
    • pp.429-445
    • /
    • 2003
  • Purpose : The present study attempted to consider the degree of consciousness of economic ethics in nursing students and the factors affecting these perceptions. Method : A survey was conducted to a total of 874 nursing students from the freshmen and seniors of 11 depts of nursing science nationwide selected by convenience sampling (one for each province, and as for Gangwon-do, two schools were selected from Yeongdong area and Yeongseo area ; 13 male students were excluded). A structured questionnaire was used to collect data on their demographic characteristics and economic ethical perceptions. Collected data were analyzed using the SAS V8.1 statistical package. Result : (1) The score for the economic ethical consciousness of the subjects was $36.76{\pm}10.20$. As for each sub-categories, the score for industry was $7.67{\pm}2.77$; thrift, $7.42{\pm}2.37$; cooperation, $7.41{\pm}2.21$; occupational consciousness, $7.18{\pm}2.20$; and, for consumption, $7.02{\pm}1.90$. The score for the consciousness of consumption was the lowest. (2) Among the demographic characteristics of the subjects, age was found to have a statistically significant positive relation to the consciousness of economic ethics(r=.13, p<.001). The next significant factor was grade: seniors seemed to have a higher economic consciousness in all the sub-categories than freshmen(t=-4.32, p<.001). The number of in-home family has a statistically significant negative correlation with economic attitudes(r=-.15, p<.001). In addition, their economic ethical perceptions were significantly higher with no religion (t=2.14, p<.05); have an unemployed father (t=2.78, p<.05); have credit cards under their own names (t=3.04, p<.05); have ever had overdue card bills (t=4.25, p<.001); have ever had part time job(t=1.74, p<.1) and when they don't live with their parents (t=-2.01, p<.05). 3) A multiple regression analysis was conducted to examine the influential power of the factors affecting the consciousness of economic ethics of the subjects. The factors had more influence on the economic attitudes of the seniors than those of freshmen; in those who having credit cards under their own names than under others; and, in those who have ever experienced credit default than those haven't. Though these factors raised average 3.0 points of economic consciousness, their expository power for the consciousness were low. Conclusion : The nursing students had medium-high consciousness of economic ethics and they seemed to have low consciousness of the proper consumption practices. Their actual life experiences had an influence on their economic attitudes. Therefore, practical programs on economic knowledge should be developed and taught to students systematically at school so that they could have sound consciousness of economic ethics and appropriate knowledge closely related with their real life.

  • PDF

국내 3년제 응급구조과의 교양교육과정 분석 (Liberal arts curricula for the 3-year emergency medical technology course: A comparative study)

  • 강현희;김효식
    • 한국응급구조학회지
    • /
    • 제18권2호
    • /
    • pp.73-94
    • /
    • 2014
  • Purpose: This study aims to provide suggestions for improving the liberal arts curriculum for the 3-year emergency medical technology course by conducting a comparative research on the liberal arts curricula across 10 colleges. Methods: Various aspects of liberal arts subjects, such as basic directions set out by the curriculum, credit scores, and distribution, were studied. Results: Of the 10 colleges, 9 did not stated purpose of liberal arts education. All 10 offered courses including foreign language, computer, and self-management, however each subjects did not have reflections of course visions. Findings revealed the credit score ratio of liberal arts subjects to be relatively lower than the major subjects. Students had limited opportunity to choose liberal arts subjects, with only a small proportion of the course available for elective subjects. Most liberal arts subjects were completed in the first year. Subjects' experience was not expanded and deepened gradually. Subject choices often overlapped, with limited variety of available subjects. Conclusion: For competent emergency medical technicians, the 3-year emergency medical technology course should improve the quality of its liberal arts offerings. The study of liberal arts provides the opportunity to develop broad perspectives and mature attitudes.

수협중앙회 이사회제도에 대한 수용자 태도 분석 (Analysis of Acceptors′ Attitudes toward the Board of Directors System of the National Federation of Fisheries Cooperatives(NFFC))

  • 정만화
    • 수산경영론집
    • /
    • 제35권2호
    • /
    • pp.1-29
    • /
    • 2004
  • This paper aims to understand the points which the Board of Directors of the National Federation of Fisheries Cooperatives System has proposed, and to find some improvement. This Fisheries Cooperatives previously had a single board system operating two small board rooms which became independent within the two sectors of credit and .provision in addition to the existing board of directors. This is a very unique board of directors system which is not found in cooperatives in our country nor in the business world. This change of the board of directors of the Fisheries Cooperatives is ascribed to the reorganization of the system into a completely independent division system, which operates business separately based on each sector as opposed to the previous multiple cooperatives system. However, a plural board of directors system does contribute to the improvement of managerial efficiency by strengthening the self-control of each independent business section, but deepens conflicts between its internal organizations, and brings about a reverse function which might deteriorate both the controlling power of a systematic organization and the coordinating power between sectors. This paper made an analysis of acceptors' attitudes toward the board of directors of the fisheries cooperatives system by regulating all the staff directly related to the operation of the board of directors of the fisheries cooperatives system as a group of acceptors and by selecting one hundred and fifty persons among the staff as a sample. The inquiry into acceptors' attitudes was made using questionaries, and the data for this investigation was processed and analyzed using a statistical method. The contents of this paper are composed of I. an introduction, II. the findings of the questionary investigation, III. the overall opinion for the improvement of the board of directors system, and IV. a summary and conclusion.

  • PDF

대학생 소비자의 충동구매행동에 관한 연구 (A study on the impulsive purchase behavior of college consumers)

  • 김효정
    • 한국생활과학회지
    • /
    • 제14권6호
    • /
    • pp.973-983
    • /
    • 2005
  • This study examined the practice of the impulsive purchase and the factors influencing it among college consumers. The data were collected from 481 college students in Busan and Gyeongnam areas through a self-administered questionnaire. Frequencies, Cronbach's alpha, factor analysis, Pearson's correlation analysis, and regression analysis were conducted by SPSS Windows. The results from this study were as follows: First, the level of the impulsive purchase of college consumers was not that high. Second, as a result of regression analysis for the group of the high level of impulsive purchase, the allowance amount, price-discount factor, credit card use, psychological factor, and attitudes towards money (ostentatious way, and symbol of success), affected the impulsive purchase. These results suggest that consumer education regarding values about money and strategies to resist impulsive purchase should be conducted at home and in school.

  • PDF

Lifestyle Segmentation: The Comparison of Islamic and Conventional Banking Customers in Indonesia

  • Sutarso, Yudi;Rustiana, Elly;Hanum, Rizky Amalia;Gunawan, Wibiksono K
    • 유통과학연구
    • /
    • 제10권8호
    • /
    • pp.25-34
    • /
    • 2012
  • Understanding customer' lifestyles important for banks because it will guide in determining marketing policies, such as services, pricing, service delivery and promotion decisions. From the customer' lifestyle, banks will know what kind of customers' attitudes, interests and opinions, so they also will understand what the costumer' needs and what services needed by them. For Islamic banks, customers understanding are important because, nowadays, the competition of the banks is not only with other Islamic banks but also with the well-established conventional banks offering Islamic products or services The aims of this research paper are to describe what factors underline the customer's lifestyle of both Islamic and conventional bank, to segment the bank customers based on their lifestyles and investigate the profile of each segments, to compare the characteristics of the segments, and to identify marketing policies based on the characteristics. The population of the study is banking customers in Indonesia, in which the researchers have used judgment sampling as sample selection. There were 186 customers of Islamic banks and 244 customers of conventional bank as respondents in this study. Statistical methods employed were exploratory factor analysis and cluster analysis. The finding of the study shows that there are twelve factor underlining the customers' lifestyle, namely: factor of fashion conscious, internet usage, sports spectator, financial and technology optimism, price sensitivity, independent, compulsive housekeeper, new brand tryer community activities, opinion leader, credit usage, and homebody. In addition, for Islamic banking, there are two market segments, namely fashionable-independent and innovative-social segment. Based on the lifestyle characteristics, the first segment has higher level in factor of fashion conscious, homebody, independent, optimism and price conscious, which is therefore called fashionable-independent segment. On the other hand, the second cluster has higher level in factor of new brand tryer, community minded, sport spectator, credit user, internet usage, opinion leader, and compulsive housekeeper, which is therefore called the innovative-social segment. Furthermore, for conventional banking, there are also two segments, namely persuasive-optimistic and sensitive-independent segment. The first segment has higher level on some factors, namely: opinion leader, optimism, internet usage rate, credit usage level, sport spectator, and new brand tryer. On the other hand, the second cluster is characterized by higher level in factor of price conscious, confidence, community minded, homebody, fashion conscious, and compulsive housekeeper. Managerial implications for the management of Islamic banks could be identified in this study as follows. Firstly, the twelve lifestyle factors of this study could be an alternative view in observe Islamic banking customers. The domination of both the fashionable conscious and the internet usage factor show that the aspects are quite instrumental in perceiving the customer' lifestyles, in which reflects the importance of these two aspects to customers. Secondly, in serving their customers, Islamic banks need to understand the customer lifestyle, in which the lifestyle segments found in this study provide a guide of how their needs were reflected. Finally, by understanding the segments and the characteristics each segment of the conventional banks, Islamic banks could adjust their marketing strategies differently from the conventional banks.

  • PDF

중소기업 ESG 경영 도입의도에 영향을 미치는 요인 : 태도의 매개효과 및 종업원 혁신저항성의 조절효과 (A Study on Factors Affecting ESG Management Intentions of Small and Medium Enterprises : Focusing on the Mediating Effect of Attitude and the Moderating Effect of Employees' Innovation Resistance)

  • 이윤효;박경희;정병규
    • 벤처혁신연구
    • /
    • 제6권2호
    • /
    • pp.41-65
    • /
    • 2023
  • 본 연구는 최근 화두가 되고 있는 중소기업의 ESG(환경·사회·지배구조) 경영 도입 의도에 영향을 미치는 요인을 실증적으로 분석하기 위해 수행되었다. 이를 위해 독립변수로 ESG의 유용성과 용이성을 일차적으로 도출하였다. 또한 중소기업에서 의사결정은 CEO의 결정이 매우 절대적이고 필수적이므로 CEO 의지를 도출하였다. 그리고, ESG 경영의 제도적 요인으로 ESG 경영에 관한 고객사의 요구, 정부 지원, 신용평가 반영 등이 중요한 결정 요인으로 판단되어 이를 독립변수로 채택하였다. 이러한 영향 관계에서 태도의 매개효과와 종업원 혁신 저항성의 조절효과도 동시에 분석 하였다. 이를 위해 유효한 368개의 표본을 SPSS 24.0을 활용하여 분석하였다. 매개효과와 조절 효과는 Process Macro 4.0을 사용하여 분석하였다. 실증분석 결과는 다음과 같다. ESG 도입의 유용성과 용이성, CEO 의지, 고객사 요구, 정부지원, 신용평가 반영 모두 ESG 경영 도입의도에 유의한 정(+)의 영향을 미쳤다. 특히 CEO의 의지가 가장 큰 영향을 미치는 것으로 나타났다. 또한 ESG 경영 도입에 미치는 영향 요인과 도입의도와의 관계에서 태도가 매개역할을 하는 것으로 확인되었고, 종업원 혁신저항성의 조절 효과도 있는 것으로 나타났다. 본 연구의 학술적 시사점은 중소기업 ESG와 관련해서 선행연구가 부족한 상황 속에서 ESG 경영 도입 관련 각각의 영향 변수를 도출하고 실증적으로 검정했다는 것이다. 또한 이러한 요인들이 도입의도에 미치는 영향력의 우선순위를 밝혀 ESG 경영 도입 촉진을 방안을 도출했다는 점이다. 실무적 시사점으로는 중소기업의 성공적인 ESG 도입을 위해서는 무엇보다 CEO의 인식개선과 정부지원, 대기업과의 상생 관계가 중요하다는 점이다. 원활한 ESG 경영 도입을 위하여 조직 구성원들과 충분한 소통을 통하여 필요성을 인식하게 함으로써 저항감을 낮출 방안을 모색해야 할 필요도 있었다.

전자상거래에 대한 대학생의 인식과 구매태도 (College Students' Perceptions on Electronic Commerce)

  • 심종섭
    • 산학경영연구
    • /
    • 제12권
    • /
    • pp.29-66
    • /
    • 1999
  • 이 논문은 상거래의 혁명이라고 불리 우는 EC에 대한 우리나라 대학생의 인식수준과 구매태도를 조사 분석한 것이다. 조사는 Kalakota와 Whinston의 ${\ulcorner}$EC소비자 구매단계 모형${\lrcorner}$을 중심으로 한 구매태도와 EC에 대한 전반적 인식수준에 초점을 맞추었다. 분석결과, (1) 제품검색 경로는 심마니나 Yahoo와 같은 전문검색사이트를 가장 선호하였고, (2) 인터넷 쇼핑대상 제품은 대체로 분산된 편이나 호텔 비행기 예약, 음반 CD/Tape, PC와 PC부품/software, 꽃 배달, 서적 등이 주종을 이루었고, (3) 구매가격의 범위는 $5{\sim}10$만원, (4) EC의 가격수준은 싼 것 같지 않다고 인식, (5) 결제시스템에 대한 불만, (6) 반품 교환 A/S에 대한 불신 등이 발견되었다. 이에 대한 마케팅시사점으로, 향후 EC를 이용하려는 기업은 분석개요에서 지적한 점들을 토대로 하여 ${\ulcorner}$EC고객의 본원적 복구${\lrcorner}$에 초점을 둔 마케팅전략을 개발해야할 것이다.

  • PDF