• Korean Journal of Social Welfare Studies
• /
• v.47 no.4
• /
• pp.333-360
• /
• 2016

Social Impact Bonds(SIBs) has emerged as a promising way to finance proven social services programs, fund what works, and drive government accountability and has increased fast. In this context, this study examines and classifies the structure of SIB focusing key criteria of the main steps through two-step cluster analysis. Analysis results are as follows. First, the main commissioners of SIB are the ministries of the central government. And in terms of the stage of invest, there are usually two or three investors mainly consisting of social finance organizations. Second, in terms of target and age of SIB beneficiaries, it focuses on the adolescent and youth. Third, in the outcome evaluation stage, the results show that in most cases outcome payments are determined by a validation of service provider or government administrative data. However, the rate of payments are based on the comparison of the program beneficiaries to other comparable groups is 23.8%. Finally, The results of two-step cluster analysis are as; 'mix of central government and social finance organization', 'multiple agent including private organization', and 'multiple social provider'. Among three types, 'multiple agent including private organization' shows the most active participation between agents and the most systematic outcome measurement and management. The results of this study imply that the importance of the method to manage and measure outcome in SIB structure. Moreover, the consist of commissioners or investors is needed to expanded more.

• Journal of Convergence for Information Technology
• /
• v.8 no.3
• /
• pp.99-105
• /
• 2018

The purpose to this study is to analyze the difference of trust toward Internet-only bank into two groups according to the gender. We specially examined whether there is any gap in the determinant of trust. For this, we attempted to analyze the significance of the difference in the path coefficients between the gender through latent mean and path analysis. As a results, the difference of the determinant of trust between the male and the female group occurred in the factor of benefit and security. Moreover, it reconfirmed that trust are later strongly extended to relationship commitment. These findings suggest that it's very important to establish a trust with customers.

• Journal of the Korea Institute of Information Security & Cryptology
• /
• v.22 no.4
• /
• pp.851-868
• /
• 2012

After the financial crisis in 2008, the financial market still seems to be unstable with expanding the insolvency of the financial companies' real estate project financing loan in the aftermath of the lasted real estate recession. Especially after the illegal actions of people's financial institutions disclosed, while increased the anxiety of economic subjects about financial markets and weighted in the confusion of financial markets, the potential risk for the overall national economy is increasing. Thus as economic recession prolongs, the people's financial institutions having a weak profit structure and financing ability commit illegal acts in a variety of ways in order to conceal insolvent assets. Especially it is hard to find the loans of shareholder and the same borrower sharing credit risk in advance because most of them usually use a third-party's name bank account. Therefore, in order to effectively detect the fraud under other's name, it is necessary to analyze by clustering the borrowers high-related to a particular borrower through an analysis of association between the whole borrowers. In this paper, we introduce Analysis Techniques for detecting financial loan frauds in advance through an analysis of association between the whole borrowers by extending SNA(social network analysis) which is being studied by focused on sociology recently to the forensic accounting field of the financial frauds. Also this technique introduced in this pager will be very useful to regulatory authorities or law enforcement agencies at the field inspection or investigation.

• Korean Journal of Construction Engineering and Management
• /
• v.6 no.3 s.25
• /
• pp.135-143
• /
• 2005

The purpose of this study is to diminish the risk through identifying the risk factors occurring in the process of real estate development projects, and analyzing and coping with the risk factors, and enable stable advance in the development process by improving the roles and work distribution of the project investor. The results of this study are as follows : 1) identifying the risks of contractions from the step of selecting the sites must be made possible through supplemental human resources expertise in plan and construction of the operation 2) as an improvement scheme, heightening the penetration wall of development projects from the investors, proposing a registration law and a selection standard of construction companies to investors' cooperating companies enabling the growth of superior investors.

• Journal of Digital Convergence
• /
• v.20 no.3
• /
• pp.181-189
• /
• 2022

The purpose of this study is to investigate the innovation of business model and the effectiveness of the data-driven model. the main concepts and policies related to the data economy are reviewed, and implications are drawn through the analysis of data-based convergence service creation cases. This study identified the existing data-driven business model of the creation of MyData service industry in the financial industry and concept of the data economy. According to the empirical analysis result, this study confirmed that t considering the mobile environment and consumer acceptance of data portability, the ripple effect of the implementation of My Data on the financial industry is expected to be significant.

• KDI Journal of Economic Policy
• /
• v.34 no.2
• /
• pp.17-40
• /
• 2012

We study externality costs of capital investment under limited commitment. We solve for the constrained efficient allocation with a limited commitment environment and find positive externality costs of capital investment provided that full-risk-sharing is not feasible. In a decentralized version of limited commitment environment, a one unit increase of capital investment by an agent increases all individuals' autarky values in the economy and generates externality costs in the economy. This externality cost provides a rationale for positive capital taxation even in the absence of government expenditure. In order to internalize this costs, the government use a positive rate of linear capital tax in the decentralized economy.

• Environmental and Resource Economics Review
• /
• v.19 no.3
• /
• pp.659-688
• /
• 2010

Climate change induced by global warming has recently begun to inspire developed nations to introduce a new paradigm, called the sustainable (Green) growth, which entails both the prevention of environmental pollution and the attainment of sustainable growth. The sustainable (Green) growth is founded upon environmental factors that drive a new force of economic progress without deteriorating nature. Thus, the conservation of the environment under the new growth paradigm can be compatible with economic growth, although this was not feasible under conventional economic relations, called the Environmental Kutzets Curve. Sustainable (Green) finance is essential to achieving Green growth efficiently and effectively. Since the financial system for Green growth is at the early stage of implementation, the application of strategies for sustainable (Green) finance should be preceded by proper initiation and protection from the government. In order to establish a feasible strategy for financing green growth, we suggest an effective financial supporting system, taking different operational forms upon the broader stage of technological progress in each individual company.

• Information Systems Review
• /
• v.25 no.4
• /
• pp.291-314
• /
• 2023

The concept of Mydata emerged with the expansion of the data economy. MyData aims to empower individuals by enhancing their right to self-determination over their personal data. The use of MyData is expected to enable the provision of innovative service in various fields. Since 2022, MyData has been introduced and actively used in the financial sector. In the future, not only financial institutions but also Bigtech and Fintech companies are expected to actively join and demonstrate rapid expansion. To ensure steady growth for MyData in the financial sector, it is necessary to assess acceptance behaviors from multiple perspectives. However, the majority of existing research solely focuses on positive acceptance. This study analyzed the impact of users' personal characteristics and innovation characteristics on both innovation resistance and acceptance resistance. The analysis revealed that personal and innovation characteristics contribute to an increase in distrust and innovation resistance in the MyData service. In addition, it has been confirmed that it can lead to actions such as delayed acceptance and refusal to accept. The results of this study offer both theoretical and practical insights into user behavior within the MyData service market.

• Review of KIISC
• /
• v.4 no.1
• /
• pp.44-52
• /
• 1994

정보화 사회에서는 가계, 기업, 정보 등의 정보 활동의 주체들이 가진 정보자산은 데이타 베이스(이하DB)와 소프트웨어(S/W)로 대변할 수 있으며, 이중 DB는 정보화 사회의 기반시설의 하나라고 볼 수 있다. 특별히 통계DB는 각 주체들에게는 필수적인 정보를 갖고 있다. 금융자산의 정보, 국방에 관련된 병력, 장비, 군수물자등의 정보, 회계정보 뿐 아니라 인구센서스, 경제계획수립 등등의 다양한 분야에 이 통계 DB는 사용되고 있다. 이러한 통계DB는 기존의DB에서의 데이타의 저장, 관리, 추출 기능외에 통계적인 데이타의 분석기능이 요구되고 있다. 통계 처리를 위한 데이타베이스관리 시스템(DBMS, database management system)은 주로 기존의 DBMS 에 통계처리를 위한 기능을 추가하거나 통계를 위한 DB를 따로 구축하는 방법을 사용하고 있다. 따라서 일반적인 DB 보호 기술과 더불어 통계 의 환경을 이해하는 보호 기술이 요구되고 있다. 일반적으로 DB 를 보호하는 방법으로는 물리적인 보안(physical security)과 운영체계 보안(operating system security) 이 있으며, 이들과 함께 데이타 암호화(data encryption)의 방법을 사용하고 있다. DB 의 보안 방법에 관한 연구 중 George I. Davida 등에 의한 방법은 중국인의 나머지 정리(chinese remainder thorem)를 사용하는 암호화 알고리즘을 이용하여 레코드(record) 단위의 암호화를 하며, Khamis A. Omar등에 의한 방법은 읽기, 쓰기, 갱신의 3단계의 사용자 등급을 부여하여 DB 접근의 제약을 가하는 기능을 갖고 있다. 본고에서는 특히 그 중요성이 더해가고 있는 통계 의 일반적인 개념을 살펴보며, 특성 지향형 질의 모델(characteristic-specified query model)의 보호기술을 살펴본다. 특별히 본고는 통계 DB의 보호에 대한 일반적인 조사 연구로서 잘 알려진 사실들을 많은 참고 문헌과 더불어 소개하는 내용으로 통계 DB의 보호에 관한 새로운 연구 결과는 아니다.

• Journal of the Korea Institute of Information Security & Cryptology
• /
• v.26 no.1
• /
• pp.247-257
• /
• 2016

It is required to have Personal Information Agreement when a financial company uses personal information by the Law of Privacy. So, financial companies have to demand customers the submission of Personal Information Agreement. Thus, financial companies have made Personal Information Agreement in various formats for customers. However, financial companies are lack of a verification process, the cases of collecting invalid Agreement often occurred. This study focuses on the verification process of Personal Information Agreement and the contents of Personal Information Agreement. In conclusion, this study proposes an improved model that added to the process of verification for the concept of Agreement. Based on this study, I hope financial companies to reform their agreement process and to improve the effectiveness on the implementation of Personal Information Utilization Agreement.