• The Korean Journal of Financial Management
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• v.26 no.1
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• pp.95-125
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• 2009

This paper examines the disciplinary effect of deposits using the semiannual accounting data of mutual savings banks(henceforth 'MSBs') in Korea for the period of 2003 through 2007. I find overall strong evidence in favor of the existence of market discipline in the industry. MSBs with higher BIS ratio and lower NPL ratio turn out to have higher increase rate of deposits than MSBs with lower such ratios. The coefficient of NPL ratio becomes greater with time, suggesting that the effect is cumulative. It turns out that depositors respond more sensitively to NPL ratio than BIS ratio in a period of MSB failure. On the other hand, MSBs turn out to act very positively responding to the depositors' discipline. They increase BIS ratio or decrease NPL ratio following the previous decrease in deposits. Government authorities need to make more efforts to develop a suitable incentive system (e.g. penalties on a false disclosure) to improve the efficiency of disclosure by MSBs. Moreover, they need to acknowledge the importance of NPL ratio as a market disciplinary tool which has been becoming more important, especially in times of MSB failure.

• Journal of the Korea Society of Computer and Information
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• v.29 no.2
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• pp.137-144
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• 2024

The purpose of this study is to suggest action directions for preventing social isolation and improving life satisfaction of the elderly by verifying the mediating effect of social capital in the relationship between the elderly's digital information self-efficacy and their life satisfaction. For this purpose, the 2022 digital information gap survey data were used to analyze the relationship between digital information self-efficacy, social capital, and the elderly's life satisfaction using SPSS 26.0 and AMOS 24.0. As a result, first, the elderly's digital information self-efficacy was found to have a positive (+) effect on life satisfaction. Second, the elderly's digital information self-efficacy was found to have a positive (+) effect on social capital. Third, the social capital of the elderly was found to have a positive effect on life satisfaction. Fourth, the social capital of the elderly was found to have an indirect mediating effect in the relationship between digital information self-efficacy and life satisfaction. Based on this, practical and policy measures were presented to revitalize digital information education that older people can apply in real life, develop a digital platform for forming online-based social capital, communities suited to the digital information capabilities of older people, and revitalize information groups.

• The Journal of the Korea Contents Association
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• v.17 no.12
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• pp.399-407
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• 2017

The purpose of this study was to examine relationships among positive psychological capital and academic self-efficacy on academic stress and identify the factors that influence on academic stress in the adolescents. The data were collected from 140 adolescents in the two middle school located J city using self-reported questionnaires and May 9 2017 to May 19 2017. The data were analyzed by descriptive statistics, T-test, ANOVA, Pearson's correlation coefficient, and multiple regression with SPSS 20.0 program. The result of the multiple regression indicates the positive psychological capital, academic self-efficacy and grade predict 27.1%(F=7.68, P<.001) of academic stress. Therefore, In order to prevent and decrease the academic stress, the developing programs to improve positive psychological capital and academic self-efficacy are needed.Therefore, it is necessary to develop positive psychological capital and academic self-efficacy strategy program for decrease academic stress in adolescents.

• Asia-pacific Journal of Multimedia Services Convergent with Art, Humanities, and Sociology
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• v.9 no.6
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• pp.773-782
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• 2019

Basel III (Third Basel Accord or Basel Standards) is a global, voluntary regulatory framework on bank capital adequacy, stress testing, and market liquidity risk. Basel III regulatory ratios include capital adequacy, asset soundness, and liquidity. The capital adequacy variables include BIS capital adequacy ratio, BIS tier 1 capital ratio, and tangible common equity ratio. The asset soundness variables include non-performing loan ratio and non-performing loan coverage ratio. The liquidity regulation variables include KRW liquidity coverage ratio and foreign currency liquidity coverage ratio. This study aims to investigate how capital adequacy standard affects efficiency of internet primary banks. As a result of this study, BIS capital adequacy ratio of domestic internet primary banks is lower than that of commercial banks. In order to maintain sustainable operation considering capital adequacy regulations, it is necessary to expand additional capital. In addition, the delinquency rate and non-performing loan ratio of domestic internet primary banks is gradually increasing due to the maturity of high-yield loans in 2019.

• Journal of Convergence for Information Technology
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• v.10 no.6
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• pp.193-199
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• 2020

The aim of this survey has been to investigate the effects of positive psychological capital of students from some universities in Busan and Ulsan on communication skills and interpersonal skills. As a result of the relationship with the main variables, there was a significant positive correlation between sub-factors of positive psychological capital and each ability. Hope(p<0.01) and Resiliency(p<0.05) among the effects of positive psychological capital on communication skills were statistically significant, and, in case of those on interpersonal skills, Resiliency(p<0.001), Efficacy(p<0.05), and Hope(p<0.05) were statistically significant. Therefore, it is necessary to develop and apply an intervention program that can establish the importance of positive psychological capital and strengthen positive psychological capital in order to improve students' communication and interpersonal skills.

• Asia-Pacific Journal of Business Venturing and Entrepreneurship
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• v.17 no.3
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• pp.165-182
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• 2022

This study focused on whether employees' perceived leader's creativity has a significant effect on employees' job satisfaction and innovative behavior. In addition, this study analyzed the mediating effect of positive psychological capital and creative self-efficacy in the relationship between perceived leader creativity and employee satisfaction with the job or innovation behavior, and analyzed the moderated mediating effect of team cohesion. This study conducted confirmatory factor analysis and path analysis for each factor using the measurement tool verification method using the SmartPLS 3.0 structural equation model, and empirically analyzed the research model. As a result, it was found that the creativity of employees' perceived leaders did not directly significantly affect employees' job satisfaction and innovation behavior. However, it was found that positive psychological capital significantly mediated the relationship between perceived leader creativity and job satisfaction or innovative behavior. In addition, positive psychological capital and creative self-efficacy have a complete double-mediation relationship between the employees' perceived leader's creativity and employees' innovative behavior. However, positive psychological capital and creative self-efficacy don't have a double-mediation relationship between the employee's perceived leader's creativity and employees' job satisfaction. Finally, Team cohesion was found to moderate the relationship between perceived leader creativity, positive psychological capital (or creative self-efficacy). However, the research model that the moderated mediating effect of team cohesion on the relationship between leader's creativity, the mediating variables(positive psychological capital and creative self-efficacy), and job satisfaction (or innovative behavior) was significant only for groups with high team cohesiveness. This study examined the needs of the times for the importance of creativity of perceived leaders and analyzed the relationship between factors influencing job satisfaction and innovation behavior of organizational members. The study is meaningful in that it suggested a plan to establish a specific organizational strategy to enhance positive psychological capital and creative self-efficacy.

• The Journal of the Convergence on Culture Technology
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• v.8 no.4
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• pp.239-252
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• 2022

While college students have great difficulties in preparing for their careers due to the long-term COVID-19 period and the 4th Industrial Revolution, research on positive psychological capital and self-determination factors for employment is insufficient. Based on this, this study aims to investigate the relationship between positive psychological capital and career preparation behavior through self-determination factors for college students. This study conducted a questionnaire for 350 people from April 1 to April 10, 2022, and a total of 345 copies were used for the final analysis, excluding five questionnaires for omission of records. As a result of the study, first, among positive psychological capital, hope had a positive effect on self-determination, but self-efficacy had a positive effect only on competence, and optimism had a positive effect on relationship. have been shown to affect And resilience was found to have a positive effect on autonomy and relationship. Second, among the factors of self-determination, autonomy had a positive effect on both career preparation behavior, and the relationship was found to have a positive effect only on the conversation of career preparation behavior. Using the results of this study, it is expected that it can be used as basic data for the direction and policy for college students to prepare for employment.

• Journal of Digital Convergence
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• v.14 no.9
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• pp.525-535
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• 2016

This study is to testify the differences between middle school students of normal and broken family and the effect of positive psychological capital on their school life adaptation. The main results are as follows. First, the middle school students of broken family showed lower level in self-efficacy, hope, resilience and optimism (positive psychological capital) than students of normal family. Second, the middle school students of broken family also showed lower level in school adaptation than students of normal family. Third, positive psychological capital was positively correlated with school adaptation in both groups of them. Fourth, self-efficacy, hope and optimism positively influenced school adaptation in students of normal family, only hope of positive psychological capital did it in students of broken family. It seemed that especially hope of positive psychological capital of broken family's students was very important and should be focused in planning and practicing interventions for them. The limitation and future tasks were discussed.

• Journal of Convergence for Information Technology
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• v.9 no.10
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• pp.195-202
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• 2019

This study aimed to investigate the effects of positive psychological capital on college life adaptation in freshmen of dental hygiene department of universities in Daegu, Busan and Ulsan. The major variables including hope, resilience, optimism, self-efficacy, academic adaptation, social adaptation, personal emotional adaptation, and university environment adaptation all showed significant positive correlations. Among the influential factors of positive psychological capital on college life adaptation, academic adaptation and social adaptation showed significant differences in optimism(p<.001) and self-efficacy(p<.001), while personal emotional adaptation and university environment adaptation showed significant differences in optimism(p<.001). Therefore, it is necessary to develop intervention programs that can improve positive psychological capital and apply them systematically to the educational field.

• The Journal of the Korea Contents Association
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• v.19 no.9
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• pp.233-241
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• 2019

The purpose of this study is to empirically analyze whether the influence of foreign investors from the monitoring role in Korean capital market is observed differently in accordance with the global financial crisis situation. We collected a total of 2,919 firm data from 2003 to 2015 and performed the empirical tests between foreign investor ownership and firms' cost of equity capital separately according to the situation of the global financial crisis. From the empirical results, foreign investors in general were playing a positive function in the Korean capital market by effectively performing the monitoring role for companies. However, we observed that their monitoring role is not effectively performed when the risk level of capital market is maximized, such as during the global financial crisis. The study suggested that the influence of foreign investors may vary depending on the level of risk in the capital market, which is expected to contribute to the market participants and academia.