• 예술인문사회 융합 멀티미디어 논문지
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• 제9권6호
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• pp.773-782
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• 2019

바젤III(Basel III)는 국제결제은행(BIS)이 2010년에 확정한 강화된 재무건전성기준으로 대표적인 규제비율에는 자본적정성, 자산건전성, 유동성 등이 있다. 자본적정성 규제의 측정항목은 BIS자기자본비율, BIS기본자본비율, 단순자기자본비율로 구성된다. 자산건전성 규제의 측정항목에는 고정이하여신비율과 대손충당금적립률이 있으며, 유동성 규제의 측정항목에는 원화 및 외화 유동성커버리지비율 등이 있다. 본 연구는 은행의 건전성감독지표를 도출하고, 재무건전성 관점에서 국내 인터넷전문은행과 시중은행을 비교하여 문제점 도출과 해결방안을 모색해보고자 한다. 연구결과, 국내 인터넷전문은행의 자기자본비율은 시중은행에 비해 낮은 것으로 나타났다. 자본적정성 규제를 고려하여 지속적인 영업을 수행하기 위해서는 추가적인 자본확충이 필수적인 상황이다. 또한 국내 인터넷전문은행은 2019년에 중금리 대출의 만기가 도래하며 연체율과 고정이하여신비율이 높아지는 것으로 나타났다. 바젤I 적용을 받고 있는 인터넷전문은행은 재무건전성은 양호한 수준이나 바젤III 시행에 대비하여 BIS총자본비율과 보통주자본비율을 높여야 할 것이다.

• 국제지역연구
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• 제12권3호
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• pp.217-239
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• 2008

본 논문의 목적은 영국, 스페인의 연구결과를 바탕으로 바젤 II의 도입에 따라 한국에서도 경기순응성이 존재할 것인가에 대해 분석하는 것이다. 소매금융자료의 제약으로 한국의 경우 자기자본비율의 분모에 해당하는 위험가중자산과 경기순응성간의 상관관계, 그리고 자기자본비율과 경기순환간의 상관관계를 토대로 분석한 결과 경기순응성이 나타날 가능성이 높은 것으로 판단된다. 그러나 한국의 경우 이와 같은 거시적 변수의 추세만을 가지고 자기자본의 경기순응성을 판단하는 것은 한계가 있다. 앞으로 소매금융에 대한 분석자료가 더 많이 축적될 경우 영국이나 스페인의 경우와 같이 보다 더 체계적인 분석모형을 이용하여 판단해야 할 것이다. 마지막으로 정책적 시사점을 유도하기 위해 필요자기자본의 산출과정(Pillar I), 감독기관의 점검과정(Pillar II), 그리고 시장규율(Pillar III)에 대해 살펴보았다.

• 품질경영학회지
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• 제25권4호
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• pp.50-56
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• 1997

Three essential components of self-regulating capital market includes trading clearing and regulation. These three procedures have to be excuted in accurate, prompt, and orderly way so that the markets can provide individual investors with confidence. In this study, we review these procedures and discuss how the quality service of them can be related to investor confidence. We will also discuss the details of regulatory process and especially how to monitor the stock price and volume for the detection of their unusual movements as the first procedure of regulation.

• The Journal of Asian Finance, Economics and Business
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• 제8권3호
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• pp.1035-1044
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• 2021

Corporate longevity is an interesting issue from a theoretical point of view. In today's uncertain economic climate, the first priority for a company is survival. The longevity of an organization is basically one of the areas that can classify the sustainability of a company. Known as the cultural heritage of Indonesia, the traditional herbal medicine industry faces challenges of longevity. The word Jamu is a generic expression for traditional herbal medicine in Indonesia. The Jamu industry as Indonesia's cultural heritage must be preserved with good support from a technical, regulatory, and commercial perspective so that Jamu companies do not go into the decline stage. Operational resilience is usually defined as the ability of an organization to adapt rapidly to changing environments. This study aims to identify the effect of operational resilience and human capital on corporate sustainable longevity through innovation performance. The questions are addressed through empirical research of 108 small companies that produce Jamu, traditional herbal medicine in Java, Indonesia. This study was conducted during July-September 2020. Data analysis is carried out with SEM-PLS using SmartPLS software version 3.0 to evaluate the data collected. The results indicated that operational resilience influences corporate sustainable longevity directly and indirectly through innovation performance. However, human capital could not play the antecedent role to corporate sustainable longevity directly or even indirectly through innovation performance. Human capital indicators require deeper exposure in the context of small industries.

• 수산경영론집
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• 제34권2호
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• pp.1-25
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• 2003

During the past 100 years, Korean fisheries management policies have enforced the license system, it is the most typical regulation system in Korean fisheries. Even now, it has caused resource management failure, it has also invited economic inefficiency and inequity. Accordingly, the Korean government has recently introduced the self-regulatory management system for fishermen with the TAC system. These systems are one of the most market-oriented regulation systems in fisheries management systems. It is defined as regulatory policy tools other than regulations with command and control approach. It is also called “alternatives” which is composed of regulatory alternatives and non-regulatory alternatives. The self-regulatory management system and the ITQ system are cooperative-based co-management between government and fishermen as an alternative management strategy ; it is gaining the increasing attention to improve the effectiveness of fisheries management in Korea. It is expected not only to positively improve function in fisheries regulation, but also to decrease inefficiency in fisheries policies. However, these systems have many problems. The monopolization of rent is one of the typical examples. As solutions for the problem in the aspect of fishery management, fisheries policy is need of approach to industrial organization. For instance, Contestable market theory is one of the good theoretical background, it mean that market is able to free entry and free exit. Thus, fisheries management carry out policies such as revitalization of the used market of capital goods in fisheries, organize of the self-regulatory management group. Conclusively, as the exploiters and managers, fishers and the government should put emphasis on improving economic efficiency so that fishery would grow as an industry that contributes to the increase of social welfare, and the change to that direction will be the only way for our fisheries to preserve its importance.

• The Journal of Asian Finance, Economics and Business
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• 제9권10호
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• pp.15-27
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• 2022

Recently, as carbon dioxide (CO₂) emissions have increased overall and contributed to air pollution, and awareness of environmental degradation has grown. This study examines the impacts and causalities of economic globalization, economic growth, energy consumption, and capital formation on CO₂ emissions in China over the period 1971-2014. The vector error correction model (VECM) and Granger causality test on time-series data are employed to observe the interactions between CO₂ emission, economic globalization, and various economic factors, including economic growth, energy consumption, and capital formation, since China's early stage of globalization. The empirical results indicate the existence of bidirectional causalities from economic growth, gross capital formation, economic globalization, and CO₂ emission to energy consumption, and bidirectional casualty from energy consumption to CO₂ emission relationships in the short run. The findings of this study suggest that indirect bidirectional causalities from economic growth, economic globalization, and capital formation to CO₂ emission through energy consumption are observed. Moreover, economic globalization accelerates CO₂ emission in the short run but decreases it in the long run. To reduce CO₂ emissions, and to ensure sustainable economic growth and economic globalization progress, some crucial energy-saving and energy-efficiency policies, regulatory rules, and laws are recommended.

• International Journal of Computer Science & Network Security
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• 제21권3호
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• pp.257-265
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• 2021

Modern methods of regulating migration processes in EU states include a wide variety of adapted, transformed under the sway of globalization tools in order to influence the movement of human capital within the European space. The main purpose of the regulatory policy on migration flows is the redistribution of professionally competent professionals between different spheres of life. Herewith, the determining factor in the effectiveness of such distribution is a rational combination of stimulating and disincentive levers of influence on the movement of citizens of different EU countries and taking into account the motives of such mobility. Modernization of migration management approaches can be a major economic, social, political and cultural progress of European countries. The purpose of the research is to conduct a detailed analysis of existing practices of migration flow management, in particular their stimulation or containment, and to outline key migration trends formed under the influence of multicomponent approaches to migration regulation, transformation of regulatory legislation and changing priorities of modern society. The research methods: statistical-analytical method; ARIS method; method of tabular, graphical and analytical modeling; comparative analysis; systematization, generalization. Results. Current pan-European methods of regulating migration processes are insufficiently adapted to the multinational socialeconomic space; consequently, there are some disparities in the distribution of migrants between EU countries, although the overall dynamics of migration is positive. Fluctuations in the population of European countries during 2000-2019 and trends in the transformation of social-economic space confirm the insufficient level of influence of current methods of regulating migration flows. Along with this, the presence of a characteristic asymmetry in the distribution of migrants requires a greater focus on the modernization of regulatory instruments, in particular, the regulatory mechanism for managing migration processes. As a result of the conducted study, further prospects for the implementation of alternative methods of regulating migration processes in EU states have been outlined; the current and projected limits for increasing the level of observance of migrants' rights at the European level have been clarified through the adoption of appropriate regulatory acts; effective solutions for intensifying the influx of high-quality labor resources from different countries to EU have been identified. The research results can be used to study methods of regulating migration processes in the countries in the global dimension.

• 경영과정보연구
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• 제29권4호
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• pp.207-223
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• 2010

본 연구에서는 국내 금융회사중 내부모형을 승인받아 사용하고 있는 국내 은행의 실제 위험유형별 자료를 이용하여 시장위험과 신용위험간 관계를 고려한 통합위험을 측정하였으며, 이를 통하여 위험유형간 분산효과가 존재하는지 검증해 보았다. 검증방법은 법규상 규제자본과 내부모형을 통해 산출되는 시장위험과 신용위험의 단순 합산 및 위험액 자체에 직접 임의의 상관관계를 고려하는 단순통합모형을 이용하여 비교 검증하였다. 실증분석 결과, 다음과 같은 사실들을 확인할 수 있었는데, 먼저 내부모형은 시장위험에서는 평균적으로 규제자본에 비해 40.4%, 신용위험은 45.4%의 분산효과를 보였으며, 통계적으로도 유의한 차이를 보였다. 이는 내부모형의 경우 하위 위험요인간 분산효과로 인하여 규제자본에 비해 필요자본이 작아진 다는 것을 의미한다. 다음으로 실무에서 이용하는 위험액 자체에 임의의 상관관계를 적용하여 산출한 단순 통합위험을 경제적 자본의 대용치인 내부모형의 단순합산과 비교해 본 결과 분산효과는 크지 않았으며, 통계적으로도 유의하지 않은 것으로 나타났다. 이는 은행의 시장위험이 신용위험에 비해 규모면에서 과소하여 분산효과가 크게 나타나지 않는 것으로 설명할 수 있다.

• KDI Journal of Economic Policy
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• 제29권1호
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• pp.177-196
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• 2007

본 연구는 30개 OECD 회원국과 7개 아시아 국가 은행들의 재무제표를 통해 구축된 불균형 패널자료를 이용하여 은행 자기자본의 경기순환적 패턴을 살펴본 것이다. 특히 은행의 잉여자본과 경기순환 간의 관계가 다른 자기자본 결정요인들의 영향을 고려한 후에도 국가 그룹별로 체계적인 차이를 나타내는지를 분석하였다. 실증분석 결과, 선진국 은행들에서는 잉여자본과 경기순환 간에 양(+)의 상관관계가 있으며, 아시아 개도국 은행들에서는 잉여자본과 경기순환 간에 음(-)의 상관관계가 있는 것으로 나타났다. 이는 신바젤자기자본협약(Basel II)이 도입될 경우 개도국에서 경기의 변동성이 더욱 확대될 가능성이 높음을 시사한다. 본 연구는 이와 같은 분석을 바탕으로 은행대출의 경기순응성문제를 완화하기 위한 감독정책 방안들을 점검하였다.

• Nuclear Engineering and Technology
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• 제56권2호
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• pp.644-654
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• 2024

After the Tohoku earthquake and tsunami (Japan, 2011), regulatory efforts to mitigate external hazards have increased both the safety requirements and the total capital cost of nuclear power plants (NPPs). In these circumstances, identifying not only disaster robustness but also cost-effective capacity setting of NPPs has become one of the most important tasks for the nuclear power industry. A few studies have been performed to relocate the seismic capacity of NPPs, yet the effects of multiple hazards have not been accounted for in NPP capacity optimization. The major challenges in extending this problem to the multihazard dimension are (1) the high computational costs for both multihazard risk quantification and system-level optimization and (2) the lack of capital cost databases of NPPs. To resolve these issues, this paper proposes an effective method that identifies the optimal multihazard capacity of NPPs using a multi-objective genetic algorithm and the two-stage direct quantification of fault trees using Monte Carlo simulation method, called the two-stage DQFM. Also, a capacity-based indirect capital cost measure is proposed. Such a proposed method enables NPP to achieve safety and cost-effectiveness against multi-hazard simultaneously within the computationally efficient platform. The proposed multihazard capacity optimization framework is demonstrated and tested with an earthquake-tsunami example.