• 한국벤처창업학회:학술대회논문집
• /
• 2017.04a
• /
• pp.34-34
• /
• 2017

본 연구는 현재 사회적으로 은퇴 또는 명퇴가 보편화 되는 관점에서 과거 은퇴예정자들은 은퇴 후 창업계획에 대해 내재된 기술과 노하우가 있어도 상당수 창업성과로 이어지지 못하고 있으며, 창업의지가 있어도 기술창업과 연계되지 못하고 소상공인 위주의 생계형 창업이 보편화 되어왔다. 은퇴자들의 준비되지 못한 자영업창업은 자영업자들의 상황을 갈수록 어려워지게 하고 있다. 경기침체에 따른 내수부진과 대기업의 골목상권 진출확대 등으로 영세자영업부진은 자영업자 가구의 상대적 빈곤율이 갈수록 높아지고 있는 것으로 나타났다. 특히, 노후대책이 미흡한 베이비부머들이 자영업에 나서지만 대부분이 실패를 하고 있으며, 55세 이상 자영업가구 10가구 중 3가구 이상이 빈곤층에 속해 우리 경제의 문제점으로 지적되고 있다. 이처럼, 장기간 내재된 직장, 단체에서의 사회적자본이나 지적자본을 활용하지 못하고 어쩔 수 없는 자영업 소상공인 위주의 창업은 결국 과다출혈경쟁과 차별적 사업전략 없이 또 다른 사회문제점으로 발현되어 사회적문제와 미래에 지불해야할 또 다른 문제요소로 자라잡고 있는 현실이다. 이런 측면에서 은퇴예정자의 창업은 창업자가 잘 할 수 있고 고객니즈의 문제점에서 아이디어를 얻고 해결할 수 있는 기술창업이 대안이라 할 수 있다. 이러한 문제적 접근을 좀 더 면밀히 분석하고자 현재 직장인들 가운데 은퇴예정자들을 대상으로 그들이 그동안 직장생활하면서 얻게 된 시회적자본과 지적자본이 기업가정신을 매개로하여 창업의지에 어떻게 영향을 미치는가를 분석하는데 그 목적이 있다.

• Journal of the Korean Society for information Management
• /
• v.28 no.2
• /
• pp.195-208
• /
• 2011

This study presents the findings from research on the Everyday Life Information Seeking (ELIS) behaviors of Korean government officials in their 50s. 500 survey respondents participated and the quantitative data were analyzed through Structural Equation Model having six key concepts such as personal information environment, information-seeking attitudes, online information attitudes, barriers to information seeking, retirement expectations, and library expectations. The findings showed the important relationships between expectations of the retirement and two constructs (personal information environment and information-seeking attitudes). This study can be used as a strategic implication for library practitioners to develop their library management process in accordance to the potential and powerful evolving user group in a future aged society.

• The Journal of the Korea Contents Association
• /
• v.15 no.10
• /
• pp.570-586
• /
• 2015

The purpose of this study is to analyze the effects of middle-aged retirement planning on individual's quality of life and overall satisfaction, and moderating effects of social and psychological sense of crisis, and the differences of measured variables in the demographic characteristics. Retirement planning that may be the most important factor in the country's social costs is aimed to provide a basis for fixing the interest in advance of retirement planning training and retirement. The subjects are workers who live in the Seoul metropolitan area and Gyonggi-do. Total sample size is 350, then 335 samples were collected on the data. The results of this study can be summarized as follows. First, house ownership and education level among demographic variables affects satisfaction of their life. People who do not own a house shows higher satisfaction, and higher education level affects satisfaction positively. Second, satisfaction is affected by transition to rest negatively, on the other hand, it is affected by expect of new beginning positively. Besides, No moderating effect of social and psychological crisis showed that negative life evaluation role to the independent variables. Third, cognitive information is affected by transition to rest and imposed disruption positively. Besides, job dissatisfaction adjusts between them. Fourth, improvement of life quality is not affected by expect of the retirement planning. On the other hand, there is not moderating effects of social and psychological sense of crisis.

• Journal of Convergence for Information Technology
• /
• v.11 no.2
• /
• pp.82-89
• /
• 2021

The objective of this study is to propose a new Glide Path that dynamically adjusts the risky asset inclusion ratio of the Target Date Fund by simultaneously considering the market's forecast volatility as well as the time of investor retirement, and to compare the investment performance with the traditional Target Date Fund. Forecasts of market volatility utilize historical volatility, time series model GARCH volatility, and the volatility index VKOSPI. The investment performance of the new dynamic Glide Path, which considers stock market volatility has been shown to be excellent during the analysis period from 2003 to 2020. In all three volatility prediction models, Sharpe Ratio, an investment performance indicator, is improved with higher returns and lower risks than traditional static Glide Path, which considers only retirement date. The empirical results of this study present the potential for the utilization of the suggested Glide Path in the Target Date Fund management industry as well as retirees.

• Journal of the Korean Regional Science Association
• /
• v.36 no.3
• /
• pp.17-27
• /
• 2020

Baby boomers are the population group born between 1955 and 1974 in South Korea. They are the generation to grow up in the rural areas and it has been reported in the previous literature that a large part of baby boomers now hopes to return their hometowns after their retirement. The purpose of this study is to investigate factors that obstruct the baby boomers' residential relocation to their hometowns by in-depth interviews with three different types of baby boomers: returners, soon-to-be returner, and wanna-be returner. Findings of this study show that the reasons behind the hesitation to the migration may be grouped into four categories: concerns about insufficient jobs, lack of medical services, concerns about social relation network and poor cultural environment in their hometown.

• 한국벤처창업학회:학술대회논문집
• /
• 2018.11a
• /
• pp.141-143
• /
• 2018

본 연구의 목적은 금융기관 종사자의 Big5 성격요인에 따른 창업의도를 밝히는데 있다. 또한 디지털미디어 활용 역량이라는 매개 변수가 창업의도에 어떠한 영향을 끼치는지 알아보고자 한다. 금융기관 중 제1 금융권에 재직중인 은행원으로 대상을 세분화하여 살펴볼 예정이다. 은행원의 창업의도에 관한 선행 연구가 적을 뿐만 아니라, 그 내용도 직장 내에서의 직무 만족이나 고용불안정에 따른 이직과 창업의도, 그리고 은퇴 후의 삶에 대한 논문이 다수이다. IT와 핀테크의 발달로 인해 은행의 구조조정은 꾸준히 진행되어 왔으며 앞으로도 지속적으로 실행되어질 것이다. 대상자의 확대로 정년과 상관없이 30대 이후의 모든 연령층에서 희망퇴직이 이루어지고 있는데, 30~40대의 희망퇴직자는 상당수 이직이나 창업에 뜻을 두고 있다. 은행원의 성격 특성을 분리하고 창업의 성장에 중요한 역할을 하고 있는 디지털미디어 활용역량을 분석하여 창업의도와 어떠한 관계가 있는지 살펴볼 예정이다. 은행원의 특성에 맞는 창업교육프로그램이 이루어진다면 창업의 성공적인 결과를 이루어내는데 기여할 것으로 예상된다.

• Journal of the Korean Data and Information Science Society
• /
• v.25 no.1
• /
• pp.131-153
• /
• 2014

The Korean market of pension plans has recently increased and pension plans will be expected to play an important role in the retirement system as complement of the national pension system in the future. However, there are a few of research papers on actuarial projections of pension plans. This paper will discuss a long-term financial projection on defined pension plans using data based on the national pension workplace participants. Previous researches focused on company-based financial projection of pension plan. But, this paper concerns on total Korean pension participants and suggests a method to calculate future financial projection of total pension plans. Finally, this research will suggest several numerical results of normal costs, benefits, numbers of workers, etc.

• Asia-Pacific Journal of Business Venturing and Entrepreneurship
• /
• v.12 no.6
• /
• pp.111-122
• /
• 2017

This study analyzes the current state of entrepreneurship education and start-up foundations by country in order to find ways to improve the domestic entrepreneurial environment and to promote the recognition of desirable entrepreneurship practices. It also investigates the relationship between entrepreneurship, entrepreneurial will, and the level of opportunity-based entrepreneurships, by using data from the 2016 Global Entrepreneurship Trend Report (GETR). First, the results show the urgent need for the expansion of entrepreneurship education in Korea. In the GETR category of 'experience of entrepreneurship education in elementary, middle and high schools', Korea was ranked very low (19th place), among the 20 countries. In the 'college' and 'lifelong entrepreneurship education' categories, it procured a mid-level ranking (15th). While entrepreneurship education for all ages is being promoted globally, entrepreneurship education for middle-aged individuals in Korea is relatively weak. This implies that the expansion of entrepreneurship education to lifelong education and education for employees and retirees is required. Second, the individual's entrepreneurial intention in Korea was 3.8 points, implying a mid-level ranking (15th), and it ranked the lowest in terms of opportunity-based entrepreneurship (20th). In comparison to China (4.55) and the United States (4.01), the entrepreneurial intention of Koreans was found to be low. The level of opportunity-driven entrepreneurship was also found to be very low, compared to China (4.35), Japan (4.04) and the United States (4.59). In general, the proportion of the level in opportunity-driven entrepreneurship, increases from the factor-driven and efficiency-driven, to the innovation-driven type. In Korea, the percentage of entrepreneurial ventures centered around involuntary entrepreneurship and small businesses is high. It is also interpreted that opportunity-based entrepreneurships are low in number because of this high proportion of involuntary start-up and small businesses. Last, the entrepreneurial intention in all types (factor-driven, efficiency-driven, and innovation-driven) was exceptionally high. It has been confirmed that exposure to all entrepreneurship education (elementary, junior high, university, and lifelong education) in innovation-driven countries, greatly increases entrepreneurial intention. In the case of Korea, which is an innovation-driven country, qualitative improvement based on quantitative expansion of entrepreneurship education is expected to be a major driving force for individuals' entrepreneurial intention to obtain a mid-level ranking (15th).