• 한국경영과학회지
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• 제39권1호
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• pp.69-81
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• 2014

Financial products entail either gains or losses, and customers' psychological reaction to these gains and losses affect the selection of the financial products. This study explains the financial customers' behavior by introducing consumers' psychological variables such as regulatory focus and construal levels. According to the regulatory focus theory, there are two distinct motivational orientations called promotion focus and prevention focus. And, construal level theory proposes that people use more abstract and higher levels of construal to represent objects that are more distant on psychological distance. We have incorporated these two psychological variables into financial consumer behaviors. In the experiment 1, the results have showed that promotion focused customers prefer fund products to deposit products, whereas prevention focused customers have showed the opposite result. In the experiment 2, both regulatory focus and construal level were considered. Specifically, under the high level message, promotion focused customers have showed higher preference to fund products than the prevention focused customers, and no significant difference for the deposit products. On the contrary, given the low level message, prevention focused customers have showed higher preference to both fund and deposit products than the promotion focused customers. Therefore, it comes to the conclusion that it will be efficient for the financial companies to use high level messages for the promotion focused customers and low level messages for the prevention focused customers. Implications and limitations are discussed to establish more effective marketing strategies based on the results of this study.

• 디지털융복합연구
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• 제13권11호
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• pp.35-43
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• 2015

이 논문은 인터넷뱅킹 가입자들을 대상으로 인구통계변수와 이용 동기에 따른 인터넷뱅킹 이용 태도에 대하여 탐구하였다. 인터넷 뱅킹 고객의 태도분석을 위해 설문을 통한 자료수집 후 분산분석과 회귀분석을 사용하였다. 그 결과 연령과 경험에 따라 경제적 동기에 유의한 차이를 보였다. 남성 이용자는 여성에 비해 재미와 정보수집 동기가 높았다. 사용경험이 길고 방문횟수가 높은 이용자는 인터넷 뱅킹과 은행에 대한 태도에 유의한 영향을 주었다. 태도에 영향을 미치는 모든 동기요인은 금융상품과 인터넷 뱅킹에 영향을 주고 있다. 이 연구는 인구통계변수에 따른 인터넷뱅킹 태도와 동기에 대한 특성을 제시하였으며, 이 결과는 인터넷 뱅킹 이용자를 어떻게 동기부여 할 것인가와, 자사 은행과 뱅킹 사이트에 대해 긍정적인 태도를 갖도록 할 것인가에 이용될 수 있을 것이다.

• The Journal of Asian Finance, Economics and Business
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• 제8권12호
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• pp.203-210
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• 2021

This paper explores the direct relationships between perceived support, attitude toward entrepreneurship, institutional environment, entrepreneurship education, risk-taking, and entrepreneurial intention. A survey of 1,000 students in Vietnam was conducted through face-to-face structured interviews. The confirmatory factor analysis and technique of structural equation modeling were used to explore relationships among latent constructs. The results show that entrepreneurship education, attitude, and social norms positively affect entrepreneurial intention. The findings of this study suggest that attitude has the strongest effect on entrepreneurial intention. More specifically, when students have an attitude toward entrepreneurship, they are more likely to start their own businesses. Research also showed that students are more likely to start a business when they find support from those around them and the knowledge and skills from the university. In contrast, the remaining factors, including perceived support, institutional environment, and risk-taking, do not affect entrepreneurial intention. The reasons for this result are that students cannot accurately assess risks due to lack of entrepreneurial knowledge, and start-up policies in Vietnam are currently focusing on financial support, but not on many other aspects, so that it may lead to start-up policies not being appreciated. The results provide implications for policymakers and educators for entrepreneurship development.

• 산업융합연구
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• 제3권2호
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• pp.51-71
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• 2005

As the living standards have been enhanced thanks to rapid to rapid economic growth following industrial progress, today the advancement of woman into specialized jobs keep expanding not only for economic purpose such as increasing family income but also due to changed perception on woman's role, i.e. self-realization. In the actual situations, however, women are generally placed in a inferior position compared with men in most jobs, despite existence of gender equality policy. Therefore, concern and study on female adaptation into job and their work attitude have become increasingly important, which can contribute to alleviating women's discontent in the work but to raising efficiency of job execution and improving work quality. In this treatise, I researched the job attitude of woman for the period of 1980 up to 2005, with interval of every 5 years. For empirical analysis, research has been done towards females teachers in elementary and middle schools as well as female works in financial institutions. Both job fields have comparatively high percentage of female employees and have less sexual discrimination. The purpose of this vertical research is (1) to find out how women workers perceive their job environment, (2) to analyze empirically the change in female job attitude and their flow of consciousness. Ultimately this treatise aimed at contributing to efficient management of female work force in our society.

• 한국콘텐츠학회논문지
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• 제16권9호
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• pp.362-375
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• 2016

본 연구의 목적은 대학에 진학한 시설보호 청년의 결혼 태도와 결혼 태도 영향요인을 발견하는 것이다. 대학에 진학한 시설보호 청년은 발달단계상 성인이행기에 있으며, 이 발달단계에서 중요한 발달과업 중의 하나는 친밀하고 낭만적인 관계 맺기, 결혼의 선택이다. 본 연구는 이들의 결혼 이슈를 결혼 태도를 중심으로 살펴보았다. 전국의 양육시설과 자립생활관의 협조를 받아 총214명의 대학 진학 시설보호 청년에 대한 설문조사를 시행하였고 연구 결과, 이들의 결혼에 대한 태도는 대체로 호의적인 것으로 나타났다. 이들은 결혼을 외로움을 해소시켜주는 바람직하고 좋은 것으로 인식하는 경향이 있었다. 결혼 태도에 영향을 미치는 요인은 성별, 경제 수준, 자아정체감으로 나타났다. 자아정체감 하위3요소 가운데 자기 수용성, 즉 자신감과 자신을 신뢰하는 정도가 결혼 태도에 영향을 미쳤다. 이러한 연구 결과를 바탕으로 시설보호 청년의 자립 과정에서 결혼 이슈를 고려하는 것의 필요성과 의의, 결혼이 실질적인 자립 지원책으로 기능하기 위해 고려되어야 할 사항 등을 제시하였다.

• 무역상무연구
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• 제60권
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• pp.177-194
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• 2013

According to the 2013 statistics, the small/medium-sized enterprises (SMEs) accounted for 99.9% of the Korean economy with 87.8% of employment. This simple figures also indicate SMEs export extension is a key task for the national economy stimulation and job creation. The SMEs export plunge has been affected by the European financial turbulence, US financial instability, developing countries like China entering foreign markets, a weak yen, etc. EXIM Bank, in this context, will need to take a more proactive attitude to provide trade finance by, for example, reviewing the business feasibility for SMEs with a lower credit rank or investigating importers' credit status, etc. Moreover EXIM Bank provides factoring service mostly to large companies and should lower its threshold for service provision to SMEs. Finally EXIM Bank should play more than a primary forfeiting market entity. It also needs to facilitate the secondary forfeiting market.

• 가정과삶의질연구
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• 제15권2호
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• pp.127-140
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• 1997

Researches found that the attitude of adult married children played an important role for the satisfaction and stability of the elderly remarriage. Therefore this study focused on the children's perception of the elderly remarriage. The results were as follows: Sex was found to be influential to elderly remarriage. Males were more positive than females. The degree of sex-stereotyping and supporting experience of the elderly parents were found to influence on children's perception. adult children positively perceived elderly remarriage as giving emotional satisfaction mutual-dependence and liveliness or freedom of later life. Meanwile they negatively considered elderly remarriage mainly because of traditional public attitudes toward remarriage difficulties of adaptation with step-familes and financial or legal conflicts. Adult children regarded health character financial independence and children's agreement level as the most considerate factors whereas the elderly the adaptati n among step-family members marital adaptaion and public attitudes toward their remarriage.

• 대한가정학회지
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• 제38권2호
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• pp.91-107
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• 2000

The purpose of this study is to understand the familial and economic problems(household-financial management) came out as a result of inheritance in household with a qualitative Ethnographic interview analysis method. As a result of interview, we found out three results; first, inheritance consciousness, attitude of predecessor(parents generation) second, the changes in familial economic relationship by inheritance stages (pre-inheritance stage, inheritance progressing stage, post-inheritance stage) third, the emotional changes of predecessor(paraents generation). The results indicated that there were significant importance and influence of household inheritance, therefore, the necessities of definite and systemic old-aged plan with financial management of inheritance should be introduced.

• 농촌지도와개발
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• 제3권2호
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• pp.167-176
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• 1996

Localization process of agricultural extension personnel in Korea were in progress with insufficient debates for effective personnel management. Although the members of the Korean Agricultural Extension Society were strongly opposed to the plan to decentralize agricultural extension personnel from central to local government status, the administrative action took place to localize as of January 1997. The Korean Agricultural Extension Society filed the petition against to the plan pinpointing lowered morale of extension personnel, the financial burden of local governments, jeopardizing stability, undermining efficiency, and people`s attitude towards central and local government. The dangers of decentralization of agricultural extension services may cause serious problems in varied areas. More extensive debates would be needed in deciding the future directions of agricultural extension services analyzing the basic characteristics of agricultural extension, linkages of research and extension, financial burden of local government, specialization of extension personnel, and unnecessary duplication of investment among local governments.

• Journal of the Korean Data Analysis Society
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• 제20권6호
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• pp.2793-2804
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• 2018

The purpose of this study is to examine the perception of donors on the necessity of making improvements in accounting information system. Along with the increasing size and number of activities of nonprofit organizations, many people are more and more interested in their organizational efficiency and transparency. Accordingly, researchers and policy makers have focused on how to improve accounting information system and how to monitor nonprofits to efficiently obtain and use resources. We thus aim to provide some useful insights by analyzing the opinions of donors regarding the display of nonprofit statements, accounting system, and the intention of donation. Using survey data obtained from 263 respondents, we find that displaying functional expenses is considered to enhance the usefulness of financial reports. We also find that the filing and disclosure of financial reports is considered to be necessary. Respondents also require external audits, but not to the same extent as disclosure. Finally, respondents have a positive attitude toward making future donations.