• The Journal of the Institute of Internet, Broadcasting and Communication
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• v.17 no.4
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• pp.193-201
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• 2017

Financial firms strengthen to protect personal information from the leakage, introducing various security solutions such as print output security, internet network Isolation system, isolationg strorage of customer information, encrypting personal information, personal information detecting system, data loss prevention, personal information monitoring system, and so on. Financial companies are also entering the era of cutthroat competition due to accept of the new channels and the paradigm shift of financial instruments. Accordingly, The needs for security for customer information held by financial firms are keep growing. The large security accidents from the three card companies on January 2014 were happened, the case in which one of the outsourcing personnel seized customer personal information from the system of the thress card companies and sold them illegally to a loan publisher and lender. Three years after the large security accidents had been passed, nevertheless the security threat of the IT outsourcing workforce still exists. The governments including the regulatory agency realted to the financail firms are conducting a review efforts to prevent the leakage of personal information as well as strengthening the extent of the sanction. Through the analysis on the application of security policy for outsourcing personnel in case of large-scale Financial IT projects and the case study of appropriate security policies for security compliance, the theis is proposing a solution for both successfully completing large-scale financial IT Project and so far as possible minizing the risk from the security accidents by the outsouring personnel.

• Journal of the Korean Institute of Telematics and Electronics D
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• v.36D no.11
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• pp.63-70
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• 1999

A PLT(10) thin film has been deposited on $Pt/TiO_2/SiO_2/Si$ substrate by sol-gel method, and its switching characteristics have been investigated with various top electrode areas, input pulse voltages and loan resistances. As the external input pulse voltage increases from 2V to 5V, the switching time decreases from $0.49{\mu}s$ to $0.12{\mu}s$. The activation energy ($E_a$) obtained from the relations between the switching time and the applied pulse voltage is evaluated as 209kV/cm. The switched charge densities at 5V obtained from the hysteresis loop and the polarization switching are $11.69{\mu}C/cm^2$ and $13.02{\mu}C/cm^2$, respectively, which agree relatively well with each other and show the difference of 10%. When the top electrode area increases from TEX>$3.14{\times}10^{-4}cm^2$ to $5.03{\times}10^{-3}cm^2$ and the load resistance increases from 50${\Omega}$ to 3.3$k{\Omega}$, the switching time increases from $0.12{\mu}s$ to $1.88{\mu}s$ and from $0.12{\mu}s$ to $9.7{\mu}s$, respectively. These switching characteristics indicate that PLT(10) thin film can be well applied in nonvolatile memory devices.

• Asia-Pacific Journal of Business Venturing and Entrepreneurship
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• v.7 no.3
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• pp.65-73
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• 2012

Microfinance has been an important tool for the economic growth and poverty alleviation. But the success factors and risk factors have not been synthesized in academic literature. This article has paid attention to success factors and potential risk of the Grameen Bank. Grameen Bank methodology is almost the reverse of the conventional banking methodology. Conventional banking is based on the principle that the more you have, the more you can get. Founder of Grameen Bank, Professor Yunus pointed out that, "The least you have the highest you have the priority to receive a loan". On the basis of theoretical literature, there have been different kinds of success factors of microfinance observed in this paper. Key success factors of Grameen Bank are like these: innovation, strict administrative structure, adaptation and learning practice, incentive system. Complementary services such as business consulting and brokerage will contribute to borrowers' economic performance development.

• The Korean Journal of Financial Management
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• v.24 no.3
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• pp.1-27
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• 2007

When banks prefer securities holding to lending, bank-dependent borrowers would be rationed in bank loan markets. This paper examines, both theoretically and empirically, the incentive of banks to hold securities rather than loans. When banks are in trouble due to an external shock and subsequent drain of deposit, they cannot reduce their loans quickly because loans are illiquid and are not easy to sell. Therefore, banks should respond to insured deposit drain by raising uninsured CDs or debentures. However, they cannot raise enough money through uninsured CDs or debentures when there is costly external finance premium. Meanwhile, if banks hold securities which are highly liquid, they can sell those securities and thus endure deposit drain without costly external financing. This explains why banks hold liquid securities of which yields to maturity are lower than those of loans. Banks' preference for securities comes from the existence of costly external finance premium, which is inversely related with bank net worth. After all, if bank net worth is kept high enough or capital market incompleteness is not severe, the preference for securities should be weakened.

• The Korean Journal of Financial Management
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• v.24 no.3
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• pp.29-62
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• 2007

We examine the methods to increase MBS values given parameters of default risks of individual mortgages and their correlation, and analyze the effects of these parameters on the efficiency of the methods. First, the values of MBS can be improved when they are comprised of low-correlation mortgages regardless of specific forms of investors' utility functions. Second, the values of MBS can also be raised even after their components mortgages are determined. More specifically, when investors' utilities are heterogeneous, CMO's of a less risky tranche and a riskier tranche are highly valued compared with pass-through securities of two identical tranches. When investors' utilities are homogeneous(risk averse), however, the latter meets the needs of investors better than the former does. Third, it can be shown that the efficiency of the methods in this paper is an increasing function of default risks of mortgage loans or of the correlation between them, and a decreasing function of the amount of the price fall of MBS when in default.

• The Journal of the Korea Contents Association
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• v.19 no.11
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• pp.664-675
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• 2019

This study examined Korean sign Language of the linguistic form and the etymological forms about the origins of the Korean national sign languages. The general sign language has been shown through previous research all of place names from Chinese character except Seoul and Lmsil. And then, Sign language's form and origins which are current using in order to examine what kind of feature were analysed through interviews and publications in Korean association of the deaf people. As a result, it was analysed that was composed majority. indigenous sign language Korean place names were made and used by deaf than loan word character of Chinese characters, Hangul and loanword. When we consider that place names were correspond to a precious cultural heritage, representing the history with the culture and identity of the relevant area, we can worth of preservation and transmission to the abundant iconicity in the name of Sui. On the other hand the indigenous sign language korea place manes can worth deaf culture or korean sign language. Even lf geographical characteristics of area have been changed or local product was disappeared in this situation by The origin of sign language reach in modern time local specialty by geographical form lt continued over generation. This can be regarded as the Korean sign language of the form in the way of visual. lt will be very valuable heritage in the preservation deaf culture.

• Journal of Korean Society of Transportation
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• v.27 no.4
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• pp.91-100
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• 2009

The purpose of this study is to introduce the Levying Garage Option on Car Buyers which has become operative firstly in Korea, and to suggest the way to activate the system, hearing the view of Jeju residents with positive and negative function of parking. Levying Garage Option on Car Buyer is the system to apply a law for establishing garages to all of vehicles. Especially this is proposed to correct the disorder of Local street night parking, to improve the fine view of street, and to recover the original function of street to residents. To make this system successful there should be separate solutions at the densely built up area as a result of survey. This study conduct the Logistic Regression Analysis for and against the system. If the more residents approve the system, we should concern about the several solutions such as easing the distance between the garage and street, regulating, and special plan for an apartment house, etc. The suggestions are as follows. First, the policy needs to ease the distance between the garage and street gradually. Second, the Jeju government need to offer the residents the incentive such as reduce or exempt the tax and make them establish the private parking lot with supplying the low interest loan. Third, there should be connected with the project to break up the fences of their houses.

• Proceedings of the Korea Society for Industrial Systems Conference
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• 2000.11a
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• pp.493-503
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• 2000

인터넷은 "정보의 바다"라는 말처럼 날마다 방대한 양의 데이터가 쏟아져 나오고 있으며, 이런 방대한 데이터 속에서 정보를 찾기란 쉽지 않다. 그러나 인터넷 사용자들은 정확한 정보를 신속하게 언제 어디서나 획득할 수 있기를 희망한다. 현재 정보의 창고인 도서관은 더 이상의 Paper 정보가 아닌 Digital 정보로의 변화가 필요하며 각 분야에서 많은 연구가 이루어지고 있다. 연구개발정보센터(KORDIC)에서는 과학기술지역인프라 구축사업을 통해서 광주ㆍ전남권역을 시범 권역으로 선정하여 13개 대학의 도서관, 산업단지, 연구소(KORDIC)를 하나로 묶는 즉, 산ㆍ학ㆍ연이 하나가 되어 상호대차 원문 서비스를 할 수 있도록 기반을 구축하는데 목적이 두고있다. 본 시스템은 상호대차 원문 서비스를 위해 대학 간 분담수서를 통해서 분담된 도서를 원문서비스 하는 상호 협력 체제를 구축하는데 필요한 시스템이며 사용자들은 해외 저널 원문을 신청하게되고, 서비스 담당자는 신청된 해외저널원문을 Digital화해서 사용자에게 보내주는 체제를 구축하기 위해 열악한 대학에는 시스템과 통신 인프라를 지원하여 상호대차원문서비스가 가능하게 하는 것을 전제로 하고 있다. 분담수서를 통해 서비스하게 될 해외저널에 대해서는 각 대학에서 책임감을 가지고 서비스를 해야하므로 서비스의 질과 업무의 자립도를 높일 수 있으며 상호대차를 통해 산ㆍ학ㆍ연이 하나처럼 연계가 된다. 또한 해외 학술 저널 DB를 공동으로 구축하여 국내 지역별 대학소장 해외 학술 전문자료를 데이터베이스화, 전문정보망을 구축 회원기관 간 정보교류의 활성화, 대학 소장 해외 학술 전문자료의 정보 표준화 효과를 창출할 수 있으며, 분담수서를 통해 얻어지는 예산 절감으로 새로운 분야에 재투자한다면 정보의 질적, 양적 향상을 도모하게 될 것이다.것으로 나타났다.본 규격은 키, 총장, 어깨길이, 등길이, 머리길이, 머리둘레, 진동둘레, 목둘레, 가슴둘레, 허리둘레, 배둘레, 엉덩이둘레, 앞품, 뒤품, drop치를 포함하고 있고, 각 규격에서 호칭간 치수 간격도 함께 제시하고 있다. 본 연구 결과에서 보듯, 현행 8규격의 무진복의 각 호칭간 적정 허용범위를 고려해 합리적인 치수체계를 정립한다면 치수에 대한 적합도가 상당히 증가할 뿐 아니라 생산비용도 상당히 감축할 것으로 생각된다.나타났다. 4) 호감적 서비스능력 차원에서 세 독립변수간에 유의한 3원 상호작용이 존재하는 것으로 나타나( $F_{2,228}$=15.62, P<.001) 20대에 적합한 의복 착용시( $F_{2,228}$=3.98, P<.05)와 60대에 적합한 의복 착용시( $F_{2,228}$=16.55, P<.001) 점포유형과 격식차림간에는 유의한 상호작용이 존재하는 것으로 나타났다. 5) 호감을 구성하는 세 요인들이 구매의도에 미치는 영향을 조사한 결과 호감적 인상차원은 29%(P<.001), 호감적 서비스능력차원은 6%(P<.001)의 구매의도를 설명해 주는 것으로 나타났다. 본 연구결과 노년 소비자에게 호감을 주는 판매원의 외모는 구매의도에 영향을 주어 실버의류산업의 이익증대와 밀접한 연관을 갖는 서비스품질의 중요한 요인으로 밝혀졌다.중요한 요인으로 밝혀졌다.로운 단백질 EPSPS가 다른 여러 식물에 이미 존재하고 있는 단백질로서 우리가 이미 이러한 식품을 섭취할 때 이 단백질도 같이 섭취해오고 있었다는 점, 둘째. 이 단백질이 소화액 분해 실험에서 짧은 시간내에 분해가 되었다는 점, 셋째. 재조합 된 콩과 자연 콩이 성분 분석에서 차이를 나타내지 않았다는 점, 네 번째. 쥐를 통한 다양섭취

• Journal of the Korean Society for Library and Information Science
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• v.24
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• pp.73-112
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• 1993

The purpose of this study is to identify what are the common characteristics which enable the information management offices of research institutes to provide information services with their companies in effective ways, and furthur, in other to clarify what factors helf the improvement of effectiveness of information services. I have made on-the-spot investigations for the confirmation of present conditions of information service units of research institutes, their statistic data, and their managerial state. I have restricted my research to 36 information service units, as research targets, which are located in Changwon, Choongchong, and Kyongin areas as the reason mentioned in the introduction, and from their research data they keep, I have classified the top 10 information service units as Group A which show the most frequent use or application frequency of research data per a researcher, where as the lowerest 10 information service units are classified as Group B by the same evaluation of application frequency of their data. Then, the result of the comparision between Group A which provide high information services in effective ways and Group B which provide low information services with poor management leads me to identify the following characteristics in terms of the analyses of utilization of the data they process: 1. Those information service units in Group A have more volumes of books and information data, and annual increasing rates of books and informations are higher than those of Group B. 2. The regulations of book circulation in Group A are prescribed for the benefits of users, and if a long-term loan is not permitted, they are allowed to borrow more books at a time than in Group B. 3. The proportion of librarians to researchers is high, the librarians' career is long and their professional education background (the rate of librarians who majored in library science and information) is high In Group A. 4. Most of the directors of information service units are those who majored library science and information, and for the most part, librarians are promoted to the directors of information service units in Group A. 5. The information service units are managed directly under the directors of research institutes in their organization in Group A. 6. The information service units offer an education for information utilization to researchers as one of their managerial programs, and the contents of education are diverse, rich and informative in Group A. 7. The kinds of informations are various in Group A such as, SDI, prompt reports of contents of new informations, circulation of newly published publications, translation service, information analyses, critical reviews, etc. 8. The information service units in Group A have joined various cooperative systems which are aimed at cooperation, co-ownership of resources and informations. These findings lead me to argue that the hypothesis suggested in the introduction of this thesis has been proved without exception.

• Journal of Service Research and Studies
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• v.6 no.1
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• pp.29-50
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• 2016

The purpose of this study is to identify the motivation of using and choosing factors in credit cards. These results indicate that considerate of other people factor may emphasize the convenience and safety in using credit cards, while the leisure factor may prefer the real-worth factor as they know that the more they use, the more benefits they would get. As the personality factor and the fashion factor, we can pay much attention to the advertisements, promotions, card designs, the colors, the characters and the social positions of the card holders and that considerate other people factor may like the low annual fees and the accumulating points, buying items on the installments without paying additional interest, which had offered them cash service and card loan. The authors of this paper has suggested an information by which credit card companies can establish the strategies according to the lifestyle of the elderly in silver business market.