• 제목/요약/키워드: loan

검색결과 646건 처리시간 0.025초

한국 중소기업을 위한 경영.기술 지도사업의 효율화 방안 (A Study for Improving the Managerial and Technological Consultancy for Korean Medium Industries.)

  • 장영기
    • 기술사
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    • 제13권4호
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    • pp.31-47
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    • 1980
  • Since medium and small manufacturing enterprises have , played a very important role not only in national economy but also in political and social relationships all of the countries in the world have paid favorable policies and programmes for protecting and promoting this sector. In Korea main ingredients of promoting policy for this sector consist of (1) encouragement to modernize facilities and rationalize operation (2) special priority in bank loan (3) promotion of industrial cooperatives (4) prevention of infringement by large industries. However, substantial investigation for problems incurred in medium industries has revealed that unless medium industries improve and raise their technological and managerial skillfulness for themselves all other measures are useless to solve the problems. This realization has induced all of the countries to render extension services on both of technology and management to assist and support their own effort for rationalization. Also in Korea during past 20 years many technical and managerial research institutes have rendered free consultancy services to medium industries by the support of government subsidy. Among them the joint extension services project performed by the Medium Industry Bank and UNDP during 1967 and 1975 might he listed as model case because of its broad and integrated activities and participation of foreign experts. We think many precepts should be :learned from the study of this project. Korean economy is expected to develop rapidly throughout coming'80 in spite of many obstacles, tut there is an apprehension that gap in of every facet between medium and large enterprises might he deepened and enlarged. To prevent the actualization of so-called dual structure of national economy and to promote stabilized medium industries with high added value productivity which are shown in well developed countries, consultancy assistance ana extension services should be strengthened much more than ever. Fortunately in 1978 legislation of "Medium and small industry promotion act" has paved the way for the systematic achivement of consultancy and extension services which shall be integrated by the government overall program. Under new framework thoughtfull accomplishment should be undertaken considering precious precepts obtained from past experience and failure. Special attention should be given to the technical liaison officer scheme, exclusive participation of only professional institutes, strict qualification and training for consultants for the future succsseful implementation.

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R&D 프로젝트 성과평가를 위한 DEA모형의 타당성 실증분석 : 정규화지표와의 순위상관을 중심으로 (Empirical Analysis of DEA models Validity for R&D Project Performance Evaluation : Focusing on Rank Correlation with Normalization Index)

  • 박성민
    • 산업공학
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    • 제24권4호
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    • pp.314-322
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    • 2011
  • This study analyzes a relationship between Data Envelopment Analysis(DEA) efficiency scores and a normalization index in order to examine the validity of DEA models. A normalization index concerned in this study is 'sales per R&D project fund' which is regarded as a crucial R&D project performance evaluation index in practice. For this correlation analysis, three distinct DEA models are selected such as DEA basic model, DEA/AR-I revised model(i.e. DEA basic model with Acceptance Region Type I constraints) and Super-Efficiency(SE) model. Especially, SE model is adopted where efficient R&D projects(i.e. Decision Making Units, DMU's) with DEA efficiency score of unity from DEA basic model can be further differentiated in ranks. Considering the non-normality and outliers, two rank correlation coefficients such as Spearman's ${\rho}_s$ and Kendall's ${\tau}_B$ are investigated in addition to Pearson's ${\gamma}$. With an up-to-date empirical massive dataset of n = 482 R&D projects associated with R&D Loan Program of Korea Information Communication Promotion Fund in the year of 2011, statistically significant (+) correlations are verified between the normalization index and every model's DEA efficiency scores with all three correlation coefficients. Especially, the congruence verified in this empirical analysis can be a useful reference for enhancing the practitioner's acceptability onto DEA efficiency scores as a real-world R&D project performance evaluation index.

도서관 업무와 전문사서간의 윤리적 관계에 관한 이론적 고찰 (A study on the professional ethical relationship between librarian and library work)

  • 손연옥
    • 한국도서관정보학회지
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    • 제24권
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    • pp.485-517
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    • 1996
  • The purpose of this study is to investigate typical ethical problems found in the technical and public services areas. The followings are the summary of the study. There are three distinct elements that govern ethical problems. One element is legal laws. The copyright law and the privacy act are exact examples. The copyright law has strong influence on the inter library loan service where the majority requests from the users are reproduction of copies. The privacy act also creates difficulties for librarians. Most requests for circulation records infringe on the privacy of library user. And advance online access systems also violates the privacy of library users. The second element is the code or rules that private organization has created. American Library Association created many statements that regulate the conduct of librarians. The bill of right, the professional code of ethics and policy on the confidentiality of library records have strong implications in the obligation of librarian. In the case of censorship at the selection of library materials, the code is a defensive tool against intellectual freedom. Yet self-censoring are prevailing practice among librarians. The thirds element is the competence of librarians. The analyzed table 3 showed that beside two elements, the rest of matters are competence required by librarians. The one aspect of it is humaneness and the other one is technical aspects. Technical aspect of competence are:(l) managerial and operational ability (2) communication skill (3) leadership (4) structure of knowledge and (5) self developing professionalism. Humanity aspect of competence are:(l) trust(fiduciary relationship) gained by diligence, objective judgement, ability, belief, rationality, integrity, kindness) (2) objectiveness (free from bias) (3) user-oriented consideration (need, interest, equal treatment, information gap) (4) caution in providing information (5) pride and (6) ability to distinguish advice and guidance specially in medical and law library.

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농촌생활경험에 따른 귀촌자의 귀촌방식 및 주택마련 - 충북지역 귀촌자를 중심으로 - (The Patterns of Return and Getting Housing of Returners-to-village according to Their Experience of Rural life - Focused on Returners-to-village in Chungbuk Area -)

  • 박경옥;이상운
    • 한국농촌건축학회논문집
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    • 제14권4호
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    • pp.143-152
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    • 2012
  • The purpose of this study was to provide practical data for proposing the housing environment support policy, fit for returners-to-village. For the purpose, this study focused the patterns of returners-to-village according to their experience of rural life, and their ways of settlement like planning and getting land and house. The questionnaires were answered by 91 persons who were living in Chungbuk area, and were analyzed chi-analysis on their socio-demographic characteristics according to experience of rural life, preparation of settlement and construction. The ANOVA were used to analyze their pattern of return according to experience, the period for getting house, and their satisfaction level of house size. The results were as follows. First, the returners showed differentiated tendency according to their experience of rural life, in their age, family life cycle, education level and income source after return. The experience of rural life explained the purpose of return and the living pattern after return. Direct experience group was mostly occupational farmer; indirect experience group mostly pursued good health & green life; non experience group mostly pursued green life. Second, the experience of rural life also explained differentiated tendency of returning preparation. In raising money, direct experience group mostly raised it privately but indirect or non experience group mostly used bank loan. Third, the returners mostly constructed new houses; non experience group almost constructed newly, but there were cases to utilize existing or vacant house in direct experience group, and indirect experience group favored existing house or remodeling of vacant house.

해양바이오수소개발 사업의 상업생산을 위한 예비경제성평가 (Economic Feasibility Study for Commercial Production of Bio-hydrogen)

  • 박세헌;유영돈;강성균
    • Ocean and Polar Research
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    • 제38권3호
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    • pp.225-234
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    • 2016
  • This project sought to conduct an economic feasibility study regarding the commercial production of bio-hydrogen by the marine hyperthermophilic archaeon, Thermococcus onnurineus NA1 using carbon monoxide-containing industrial off-gas. We carried out the economic evaluation of the bio-hydrogen production process using the raw material of steel mill by-product gas. The process parameter was as follows: $H_2$ production rate was 5.6 L/L/h; the conversion of carbon monoxide was 60.7%. This project established an evaluation criterion for about 10,000 tonne/year. Inflation factors were considered as 3%. The operating costs were recalculated based on prices in 2014. The total investment required for development was covered 30% by capital and 70% by a loan. The operation cost for the 0.5-year test and integration, and the cost for the first three months in the 50% production period were considered as the working capital in the cost estimation. The costs required for the rental of office space, facilities, and other related costs from the construction through to full-scale production periods were considered as continuing expenses. Materials, energy, waste disposal and other charges were considered as the operating cost of the development system. Depreciation, tax, maintenance and repair, insurance, labor, interest rate charges, general and administrative costs, lubrication and miscellaneous expenses were also calculated. The hydrogen price was set at US$ 4.15/kg for the economic evaluation. As a result, the process was considered to be economical with the payback period of 6.3 years, NPV of 18 billion Won and IRR of 26.7%.

지방은행의 지역중소벤처기업지원과 지역금융정책 (The Financial Support of Regional Bank for SMEs and Regional Financial Policy)

  • 류덕위
    • 벤처창업연구
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    • 제8권4호
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    • pp.37-47
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    • 2013
  • 본 연구는 금융구조개혁과정에서 지방은행이 퇴출된 지역과 지방은행 소재지역간의 비교를 통해 지역간 금융격차 심화와 지역금융의 문제점을 분석하고, 지역금융시스템 구축과 자금역외유출 방지, 지역중소벤처기업 자금지원 증대, 지역금융정책의 변화방안을 모색하였다. 지방은행이 퇴출된 지역과 소재지역을 비교하면 금융접근성(OPD, COD), 중소기업 대출비율, 지역자금의 역외유출비율 등에서 금융격차가 심화된 것으로 나타났다. 지방은행은 성장초기단계 기업지원, 지역중소기업지원과 자금 역외유출방지 등으로 지역발전 기여도가 높다. 낙후된 지역금융과 금융격차문제를 해결하기 위해서는 지역금융의 특수성과 공공성을 중시하면서 중앙집권적인 정책기조에서 지방분권적, 지역균형적으로 금융정책을 전환시켜야 한다.

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벤처기업의 성장 촉진을 위한 벤처부채의 가능성과 도입방안 (The Possibility and the Way to Introduce of Venture Debt to Encourage Growth of Ventures)

  • 홍종수;나수미;박재성
    • 벤처창업연구
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    • 제15권4호
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    • pp.17-25
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    • 2020
  • 벤처부채는 벤처의 스케일업 촉진을 위한 대표적인 자금공급 수단이다. 성장 단계에서 대규모 자금 공급이 필요한 벤처기업은 지분 희석 없이 벤처부채를 지렛대로 성장을 가속화할 수 있고, 벤처캐피탈은 투자 기업의 성장이 가속화됨으로써 신속히 투자자금을 회수할 수 있다. 은행은 벤처부채의 공급을 통해 대출에 편중된 자산운용을 다양화할 수 있고 자산수익률도 제고할 수 있다. 해외 실리콘밸리은행의 사례와 같이 벤처부채 공급을 위해서는 부채자본 공급자인 은행과 지분자본을 공급하는 벤처캐피탈의 긴밀한 협력이 전제되어야 한다. 이를 위한 시장 조성 방안으로 "신용위험 분담형 벤처대출"과 "벤처대출 풀링"을 제안한다. 전자는 모태펀드와 정책보증과 같은 정책금융기관이 벤처대출에 내재한 위험을 선별하거나 우선 인수함으로써 은행의 벤처투자 시장 참여를 촉진하며, 후자는 은행과 창업벤처전문 사모펀드가 공동으로 벤처대출을 증권화함으로써 은행의 개별적인 벤처대출 실행에 따른 부담을 감소시킨다.

Survey for zoonotic liver and intestinal trematode metacercariae in cultured and wild fish in An Giang Province, Vietnam

  • Thu Nguyen Diem;Dalsgaard Anders;Loan Ly Thi Thanh;Murrell K. Darwin
    • Parasites, Hosts and Diseases
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    • 제45권1호
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    • pp.45-54
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    • 2007
  • Although Vietnam has a high risk of fish borne zoonotic trematode(FZT) infections for humans, little information exists on the epidemiology of these infections in the country's fish. Because of the importance of cultured cat-fish and snakehead production in An Giang province, a major production area in the Mekong Delta of Vietnam, a survey for FZTs was carried out in randomly selected fish farms between June 2005 and March 2006. For comparison, wild fish from the same area were also surveyed. A total of 852 cultured fish from 4 districts were collected and examined by pepsin digestion to determine their FZT infection status. In Tra catfish, the prevalence of all types of metacercariae was 2.6%, of which the prevalence of Haplorchis pumilio was 0.7%. The overall prevalence of metacercariae in wild fish was 30.6%, of which 10.3% harbored zoonotic species: H. pumilio(2.8%) and Procerovum sp.(5.6%). The prevalence of Opisthorchis metacercariae, which were diagnosed as O. viverrini, was 1.9%. No metacercariae were found in cultured snake head fish, although wild-caught snakehead fish had a FZT prevalence of 10.3%: 5.1% were O. viverrini; 2.6% H. pumilio; and 2.6% were Procerovum sp. These are the first reports of H. pumilio, Procerovum sp., and O. viverrini metacercariae in Vietnamese fish. These results indicate that consumption of improperly prepared fish represents a significant risk of acquiring FZTs in this south Vietnam region.

서해 100MW 해상풍력 실증단지 기상타워 구축사례 (Installation of Meteorological Mast for the Test Bed of Offshore Wind Power)

  • 유무성;강금석;김지영;이준신
    • 한국신재생에너지학회:학술대회논문집
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    • 한국신재생에너지학회 2011년도 춘계학술대회 초록집
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    • pp.55.2-55.2
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    • 2011
  • The final site of offshore wind power plant should be decided by comprehensive examination of various conditions such as wind resource, sea depth, geology, grid connection, social circumstance and environmental issue. Wind condition is typically regarded as the most important factor because wind energy increases in proportion to wind velocity and it directly relates to the amount of power output, efficiency of power plant and profitability. Advanced countries in the offshore wind power sector such as Denmark, UK and Germany, they are analyzing wind resource accurately by installing the meteorological mast in the ocean in order to get the optimal type of wind turbine and maximum generation efficiency. Also, it is made much of designing offshore power plant on the basis of actual measurement by met-mast and those wind farms have a chance to get the loan with reduced interest rate in project financing. In Korea, the HEMOSU-1 is installed in the ocean around Wido island to analyze wind resource of test bed of 100MW offshore wind power on october last year. This paper deals with the design and construction procedure of the first met-mast in Korea and also shows the site characteristics of test bed. Therefore, this paper will give useful information to local governments and private business sector who are trying to construct offshore wind farm and it can also be a good reference for the following projects of meteorological mast in near future.

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금융 프로덕트팩토리를 위한 복합상품 설계시스템의 개발 (A Hybrid Product Design System for Financial Product Factory)

  • 이성하;주정은;최성철;구상회
    • 지능정보연구
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    • 제10권2호
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    • pp.39-51
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    • 2004
  • 프로덕트팩토리는 온라인 고객을 위한 실시간 금융상품 설계시스템을 의미한다. 복합상품이란 두개의 서로 다른 상품의 속성을 적절히 결합하여 설계한 새로운 상품을 의미한다. 복합상품프로덕트팩토리는 위 두 개념을 결합한 것으로서 두개의 서로 다른 상품을 비즈니스 규칙과 사용자의 요구에 근거하여 적절히 결합하여 새로운 복합상품을 설계하는 프로덕트팩토리를 의미한다. 금융 및 보험 산업에서 자동화된 프로덕트팩토리의 필요성에 대하여 많은 논의는 있었지만 현재까지 이렇다 할 연구 성과는 보이지 못하고 있는 실정이다. 본 연구에서 우리는 복합상품을 설계할 수 있는 프로덕트팩토리를 개발하였다. 복합상품을 설계하기 위해서는 상품의 구조화된 표현 방법이 필요하며, 이렇게 표현된 서로 다른 상품의 속성을 결합하여 복합상품의 속성을 정의 할 수 있는 속성결합방법이 필요하고, 또한 이들 속성의 결합방법을 제어하는 비즈니스 규칙을 표현하기 위한 방법이 필요하다. 본 연구에서 우리는 상품을 기술하는데 필요한 네 종류의 속성을 규명하였고, 이들 속성을 결합하기 위한 결합연산자를 개발하였으며, 또한 비즈니스 규칙을 표현하는 방법을 제시하였다. 또한, 본 연구의 효과를 검증하기 위하여 복합상품설계시스템을 구현하여 대출상품에 적용해 보았다.

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