• The International Journal of Costume Culture
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• 제2권1호
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• pp.62-76
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• 1999

The objectives of this study are to investigate consumer experiences with premiums, consumer preferences in premiums offered for clothing and the effect of premiums on clothing purchasing behaviors. A self-administered questionnaire survey was conducted to 610 men and women from ages 15 to 59 living in the Seoul metropolitan area from February 25 to March 9, 1999 ; 548 were used for the data analysis. Data was analyzed by descriptive statistics, t-test, ANOVA, chi-square analysis and Duncan's multiple range tests. Significant differences were found among selected demographic groups in information sources used for premium offers, experiences of receiving premiums, purchasing experiences due to premium offers, preferences between discount and premiums, additional purchase intentions because of premiums, and the premiums'influences. The groups with purchase experiences or brand and stores selecting experiences due to premium, showed significant differences in premiums'influences and the satisfaction levels with premiums. Regarding preferences between discount and premiums, significant differences were found in and the satisfaction levels with premiums.

• 대한가정학회지
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• 제40권12호
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• pp.85-108
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• 2002

The objectives of this study were to investigate the trend of the attitude and the behavior about consumer's internet premium advertisement and its application and the factors which influence on the attitude and the behavior about consumer's premium advertisement and its application; the demographic variables, internet communication-environment variables and variables in relation to consumer's premium advertisement application. For these purpose, the data collected two way: internet survey and questionnaire survey. The data used in this study included people who have looked an internet Premium Advertisement more than once during internet use. Major findings were as following: (1) The attitude of internet premium advertisement and its application could be described as the mean 34.16 md 24.61 separately(3.11 and 2.73 point on 5.00 points scale). The behavior of application about internet premium advertisement was measured as a behavior of application whether or not; application 18.7% and unapplication 81.3%. (2) The attitude of application about internet premium advertisement was significantly different according to age, joining frequency on internet, past experience of winning a premium, purchasing information search, interesting connection on the internet, the risk about the money loss and negative evaluation of other persons, the economical values of premiums, winning possibility, and preferable premiums. The behavior of application about internet premium advertisement, the behavior of application whether or not was significantly different according to sex, age, school career, a circuit speed, a period of using, joining frequency and a using place, past experience of winning a premium, purchasing information search, interesting connection on the internet, the risk about the negative evaluation of other persons, the economical values of premiums, winning possibility, and preferable premiums. (3) When looking at the influence of variables about the attitude of application about internet premium advertisement, the most influence variables was the past experience of winning a premium, and next was winning possibility, sex, the interest about the premiums which made the consumer want to apply, the economical values of premiums, the purpose of purchase information search and the using time. The explanation of those variables were 22.6%. As the result of the Logistic analysis, it was found that the frequency of the internet connection, the past experience of winning premiums, the risk about the outflow of credit information, interesting premiums, and premium advertisement were the most important variables to affect the possibility of the behavior of application about internet premium advertisement critically.

• The Journal of Asian Finance, Economics and Business
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• 제7권7호
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• pp.123-129
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• 2020

The objective of this study is to examine the differentiated influence of sell-side advisors and buy-side advisors on mergers and acquisitions (M&A). Unlike prior studies on M&A advisors, the study addresses different roles of target and acquirer advisors, and explores their influences on the cumulative abnormal returns (CAR) and acquisition premiums with an empirical analysis of longitudinal data of M&As conducted by Japanese listed firms except financial companies from 1995 to 2012. M&A data were obtained from the Securities Data Corporation's (SDC) database, and the individual firm data were collected from the Nikkei Economic Electronic Databank System (NEEDS), which provides a wide range of corporate information including financial status, operational performance, and strategy. Using a sample of 452 cases for the CAR and 498 cases for the analysis of acquisition premiums, the empirical results support the hypotheses of the target advisor's positive association with CAR and acquirer advisor's positive association with acquisition premiums. The findings of this study indicate the target advisor's positive contribution to the success of acquisition process and performance, and acquirer advisor's negative influence on the deal progress. The study provides theoretical implications on M&A research and practical insights into the investment banking industry.

• Journal of Korea Trade
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• 제24권6호
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• pp.115-134
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• 2020

Purpose - International trade leads to the international division of labor, improving the efficiency of the global economic system. Transport costs are a more serious barrier to international trade than customs tariffs. An increase in competition in the transport sector may thus lead to a reduction in transport costs. However, if a carrier's nationality significantly influences transport costs, simply adding more competing carriers of different nationalities would be ineffective. Therefore, it is necessary to establish national or regional carriers to influence competition and reduce transport costs. This study investigates this "nationality effect" by treating Hanjin Shipping's collapse as a natural experiment. Design/methodology - The theoretical basis of this study is the 3rd-degree price discrimination in container shipping market. By using the monthly data of container freight rates of Korea, China and Japan, this study shows the so-called Korea Premiums, which are the empirical counterparts of nationality effect in Korea container shipping market. For this empirical investigation, the structural model with state-space form is used and the dummy models are also estimated. In addition, because China has been also affected by the Hanjin's collapse, the China premiums are considered too. Findings - Compared with Japan's case, it is shown that there had been the so-called Korea premiums since the collapse of Hanjin Shipping. These results are robust from both the state-space model and dummy models. The time pattern of Korea premiums was consistent with the market evolution, especially the pattern of substitutability in container shipping markets. In addition, this paper shows the magnitude of Korea premiums. Originality/value - The argument of this study that the nationality effect can be interpreted as an extended concept of the home market effect is original, which is expected to evoke future research efforts. Further, the discussion on the shipping industrial policy from both horizontal and vertical aspects will provide the relevant policy makers with solid information, especially for the policy coordination in a global scale.

• The Journal of Asian Finance, Economics and Business
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• 제9권4호
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• pp.213-228
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• 2022

This paper investigates the association between key corporate governance characteristics and the performance of general insurance businesses listed on the Saudi stock exchange (TADAWUL). The methodology for the study is based on a pooled data collection for 11 Saudi general insurance companies from 2011 to 20. The linear regression model and the logarithm regression model are suggested to assess the relationship between performance and corporate governance characteristics. The dependent variable is firm performance measured using ROA, ROE, and Tobin's Q. The independent variables are corporate governance variables consisting of a complete set of board and audit committee characteristics. Insurer-specific control variables are introduced. The empirical results reveal that the characteristics of corporate governance influence the performance of insurance companies. In particular, the board size, board's tenure, the proportion of independent directors in the board, audit committee size, audit committee meeting frequency, and proportion of health insurance premiums have a positive impact. However, audit committee independence, size of the company, and proportion of reinsurance premiums have a negative impact on the performance of the Saudi general insurance companies. Finally, the empirical results indicated also that there is an unclear relationship between the performance and board meeting frequency, compensations of the Board, and the average age of the Board.

• 지능정보연구
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• 제22권1호
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• pp.119-138
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• 2016

산업혁명 이후 기계로 만든 공산품이 시장의 대부분을 차지하고 있지만, 최근에는 장인의 노력, 품질에 대한 믿음, 제품의 희소성, 제품을 사용함으로써 얻는 자부심 등을 이유로 많은 소비자들이 같은 범주의 공산품보다 더 비싼 가격을 주고 핸드메이드 제품을 구매하고 있다. Etsy.com은 세계 최대 온라인 핸드메이드 플랫폼으로 2015년 4월 기업공개에서 2조원이 넘는 자금을 조달하면서 온라인 핸드메이드 플랫폼의 잠재력을 증명하였다. 그러나 실제 온라인 플랫폼 환경에서 이루어진 지능형 서비스 관련 선행연구들을 살펴보면 대부분 공산품만을 대상으로 하고 있어, 핸드메이드 제품에 대한 학술적 접근이 충분히 이뤄지지 않고 있음을 알 수 있다. 이에, 본 연구에서는 신호 이론과 온라인 플랫폼에서의 구매자-판매자 관계 특성에 대한 선행연구를 바탕으로 온라인 핸드메이드 플랫폼에 적용 가능한 핵심 특성요인인 입점 상점 특성(명성, 규모)과 입점 상점 관계특성(정보공유, 관계기간)을 도출한 후, Etsy.com 웹사이트에서 웹 하베스팅 방법으로 수집된 데이터를 이용하여 실증 분석하였다. 분석 결과, 입점 상점 특성 가운데 명성과 규모, 그리고 입점 상점 관계특성 가운데 정보공유는 입점 상점의 총 판매량에 유의한 영향을 주는 것으로 확인되었다. 또한, 입점 상점 특성 중 명성, 그리고 입점 상점 관계특성 중 관계기간은 입점 상점의 가격 프리미엄에 유의한 영향을 주는 것으로 나타났다. 본 연구의 결과로 온라인 핸드메이드 플랫폼에서 지능형 서비스 도입 및 운영을 위한 효과적인 관리 기준을 제시하고, 나아가 입점 상점이 핸드메이드 제품에 대한 판매량 증진 및 가격 프리미엄 극대화를 위한 실질적 전략 마련에 도움이 될 수 있기를 기대한다.

• Journal of the Korean Data and Information Science Society
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• 제21권1호
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• pp.71-86
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• 2010

생명보험의 보험료는 보험가입자들의 예정 수명분포와 예정 이자율에 기초하여 산출되게 된다. 산출된 보험료는 향후 해당 보험을 운영하는 과정에서 발생할 수 있는 보험회사나 보험가입자들의 손실 그리고 이들이 부담하는 리스크에 직접적인 영향을 미치게 된다. 따라서 생명 보험에서 이들 두 가지 요소, 즉 예정 수명분포와 예정 이자율은 중요한 영향 변수로 여겨진다. 본 논문에서는 종신보험에서 이들 영향 변수가 보험료, 보험 운영상의 리스크, 보험운영에 있어서의 손실 확률에 미치는 영향력을 분석하고 상대적인 영향력의 크기를 비교해 보고자 한다.

• Journal of Preventive Medicine and Public Health
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• 제49권2호
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• pp.118-128
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• 2016

Objectives: The purposes of this study were to examine the status of children and adolescents with regard to enrollment in private medical insurance (PMI) and to investigate its influence on their utilization of medical services. Methods: The present study assessed 2973 subjects younger than 19 years of age who participated in five consecutive Korea Health Panel surveys from 2009 to 2012. Results: At the initial assessment, less than 20% of the study population had not enrolled in any PMI program, but this proportion decreased over time. Additionally, the number of subjects with more than two policies increased, the proportions of holders of indemnity-type only ('I'-only) and of fixed amount+indemnity-type ('F+I') increased, whereas the proportion of holders with fixed amount-type only ('F'-only) decreased. Compared with subjects without private insurance, PMI policyholders were more likely to use outpatient and emergency services, and the number of policies was proportionately related to inpatient service utilization. Regarding outpatient care, subjects with 'F'-only PMI used these services more often than did uninsured subjects (odds ratio [OR], 1.69), whereas subjects with 'I'-only PMI or 'F+I' PMI utilized a broad range of inpatient, outpatient, and emergency services relative to uninsured subjects (ORs for 'I'-only: 1.39, 1.63, and 1.38, respectively; ORs for 'F+I': 1.67, 2.09, and 1.37, respectively). Conclusions: The findings suggest public policy approaches to standardizing PMI contracts, reform in calculation of premiums in PMI, re-examination regarding indemnity insurance products, and mutual control mechanisms to mediate between national health insurance services and private insurers are required.

• 사회복지연구
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• 제47권4호
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• pp.309-332
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• 2016

본 연구의 목적은 국민건강보험 지역가입자의 부담능력별로 수직적 형평성을 측정하고, 각 부담능력 및 인구학적 특성이 보험료의 변화와 인과관계를 보이는지 종단 분석하는 것이다. 분석대상은 한국복지패널 6차(2011년)-10차(2015년) 조사에 모두 참여한 지역가입자 가구주이다. 분석방법으로는 카크와니(Kakwani) 누적지수 산출 및 패널회귀분석을 적용하였다. 연구결과는 첫째, 2011년-2015년까지 카크와니 지수는 종합소득에 대한 보험료 부과가 역진적임을 나타내고 있다. 둘째, 패널회귀분석 결과 종합소득이 적은 가구일수록 보험료 부담이 통계상 유의미한 부(-)의 영향력을 보여 역진적임을 보였다. 이를 통해 국민건강보험 지역가입자의 보험료 부과체계 개편에 대한 정책적 함의를 제시하였다.

• 기술혁신연구
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• 제22권1호
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• pp.89-117
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• 2014

창조경제를 견인하기 위해 다양성과 창의성이 중시되는 환경에서 여성과학기술인력의 활용은 무엇보다 중요해지고 있으며, 경제적 지위를 측정하는 기준으로 노동의 시장가격인 임금에 대한 분석을 통해 성차별을 인식하고 개선하기 위한 노력이 필요하다. 이에 본 연구에서는 Oaxaca-Ransom 임금분해 방법(1994)을 활용하여 과학기술인력을 대상으로 남녀 임금에 미치는 영향 요인 및 성별 임금 분해를 실시하였다. 연구결과는 다음과 같다. 첫째, 과학기술인력의 특성을 살펴보면 여성의 평균 임금 수준은 남성의 65%에 불과하며, 학력 등 개인적 특성에서 남성이 우세한 것으로 나타났다. 둘째, 임금에 영향을 미치는 변수를 살펴보면 여성과 남성 모두 학력 연령이 높을수록, 근무기간 및 주당근로시간이 많을수록, 관리자 직종에 근무할수록 임금 프리미엄이 존재하는 것으로 나타났다. 셋째, 남성과 여성의 임금분해 결과를 살펴보면, 과학기술인력의 경우 개인적 특성에 의한 생산성 차이가 약 58%, 노동시장에서의 특성에 기인한 성별에 의한 차별은 41%로 나타났다. 비과학기술인력에 비교하였을 시 과학기술인력이 생산성으로 인한 임금격차가 크며 성별에 의한 차별은 덜 한 것으로 나타났다. 그러나, 전공별 및 학력별로 분석한 결과 성에 의한 여성차별은 전체 인력 중 여성의 비율이 낮을수록 노동시장에서 임시근로자 비율이 높을수록 심한 것으로 나타났다. 이를 개선하기 위해서는 여성과학기술인력의 노동시장에서의 여성 불균형 현상이 무엇보다 필요하며, 여성스스로는 개인의 역량을 지속적으로 강화하는 노력이 수반되어야 할 것이다.