• The Journal of the Convergence on Culture Technology
• /
• v.7 no.4
• /
• pp.1-7
• /
• 2021

The purpose of this study was to analyze the effect of household loan share on bank management soundness. The results of the empirical analysis are summarized as follows. First, as a result of estimating coefficient of the mortgage loan ratio shows a significant negative relationship with the BIS equity capital ratio of banks. In addition, it was found that the mortgage loan ratio had a significant positive (+) effect on Eunhae's BIS and equity capital ratio after the financial crisis. Second, as a result of the estimation coefficient of the mortgage ratio showed a significant positive (+) relationship with the NPL of the bank and below. In addition, it is estimated that the bank's secured loan ratio changed significantly before and after the financial crisis in the effect of banks' NPL and substandard-and-below loans. It is expected to make implication to financial policy and banking regulation and supervision. We believe that more efforts should be made to increase the soundness of household loans in preparation for risk factors that may arise from exogenous factors such as changes in the international financial environment and falling property prices.

• Journal of the Korea Society of Computer and Information
• /
• v.14 no.11
• /
• pp.81-90
• /
• 2009

It is inevitable for college students to be confused when they first face university education, which requires them to be self-reliant and responsible, after finishing their course of education, which is passive under control of period and environment, in primary, middle, and high schools. Introduction to college courses, which require students to be subjective and responsible, to be taken after chronically and environmentally controlled primary and secondary education, are but confusing. In this stage, college education should provide ground for educational system so that students can escape from repetitively enforced way of studying of fixed curriculums and study creatively and subjectively while befitting each individual's aptitude. For instance, in programming classes in engineering school, students scholastic achievements are closely interrelated with the professor's educational principles. A change in method of education, from one previously focused on theoretical contents to one centered on practices and experiments, can reap good results. Also, as the need arose for introduction of practice-focused evaluation system, from recognition-centered professor evaluating system to enablement of actively developing creative and self-reliant way of learning, we applied the Rublic System. It is a feedback system that all or most students become the evaluators, of which the indicators of evaluation such as category, standard, and score are public. We have looked into whether or not there has been an improvement in GPAs of students, and if there exists an improvement then what efforts should be made to solidify the system.

• Asia Marketing Journal
• /
• v.13 no.4
• /
• pp.191-212
• /
• 2012

With the introduction of the Capital Market Integration Act in 2009, the new competitive scope and paradigm is opened in Korean financial services market. The change of financial industry and institutions will lead to the behavioral change of customers who consume and choose financial services. While researches from the financial perspective have been conducted, works from the marketing or customer oriented approach has long been relatively ignored. The purpose of this study is to investigate influencing factors and process of financial services customers' choice behavior. More specifically, the main theme is how to enhance customer brand loyalty and purchase intention through the perception of overall quality of the service product. An integrated conceptual model including antecedents, mediating variables and consequences is established through comprehensive literature reviews of extant works on environmental change, customer behavioral change and choice behaviors. Hypothesis testing is done with SEM analysis. According to the results, the attractiveness of financial product, the reputation of financial firm, and self-brand image congruence among exogenous variables make a positive effect on perceived overall quality. And perceived overall quality has a significant effect on brand loyalty.

• Journal of the Economic Geographical Society of Korea
• /
• v.26 no.3
• /
• pp.202-222
• /
• 2023

This study traces the growth and changes in the spatial distribution and characteristics of media cluster in Seoul by focusing on the co-evolution of film and TV production. To identify the spatial distribution and aggregation of film and broadcast TV production, we measure their spatial auto-correlation based on Moran's I and LISA, using the data from the Census on Establishments of the National Statistical Office. In addition, the eleven semi-structured interviews conducted with workers in the media industries, such as film crews and TV drama producers, help to clarify the complexity and dynamics of diverse factors that affect spatial distribution of media cluster. This multi-method study shows the increasing polycentricity of media cluster in the last decade. Gangnam, Mapo, Yeouido, Gangseo-Yeongdeungpo, and Seongsu have emerged as key hubs for media industries, particularly in light of changes in the transportation system and the real estate market. The finding indicates the co-evolution of film and broadcast TV production, demonstrating how the characteristics of the creative industry and metropolitan changes are intertwined with each other in shaping the geographical pattern of the media cluster.

• Asia-Pacific Journal of Business Venturing and Entrepreneurship
• /
• v.17 no.4
• /
• pp.173-191
• /
• 2022

The global economic crisis, the trend of an aging society, and the rapid digital transformation are huge burdens and crises for our society. Due to these environmental changes and the economic recession, entrepreneurship and re-employment issues after retirement have emerged as social issues. This study was conducted to empirically analyze what factors affect seniors when they may start a business. In particular, as the fourth industrial revolution progresses, the focus was on the capability to utilize information and communication technology (ICT) and digital media that cannot be avoided. For empirical analysis, an online survey of seniors was conducted and 287 valid samples were analyzed. SPSS 24.0 and Macro Process 4.0 were used for statistical analysis. As a result of the empirical analysis of this study, self-efficacy and personal innovation for information technology acceptance(ICT), and communication capability using digital media had a significantly positive (+) effect on senior's entrepreneurial intention. However, the perceived usefulness of information technology and the capability to utilize digital media devices were not tested for significance. Among the variables that had a significant effect, personal innovation was found to have the greatest effect. Opportunity recognition was found to play a mediating role between self-efficacy, personal innovation, communication capabilities, and senior's entrepreneurial intention. The results of this study are of academic and practical significance in that digital media utilization capability is also an influential factor among various factors influencing the entrepreneurial intention of seniors.

• Information Systems Review
• /
• v.23 no.4
• /
• pp.23-43
• /
• 2021

Due to the recent transition to a non-face-to-face society, many organizations are quickly adapting to foster a smart work environment. The introduction of smart work does not simply end with incorporating ICT systems or solutions into business models since fundamental factors such as forms of employment and work styles need to be in line with the progression of technological advances. However, previous studies regarding smart work focus on improvements in productivity and efficiency from a technology acceptance perspective. Therefore, there is a lack of discussion on innovation resistance from employees and management control when ICT systems are introduced into the workplace. This study empirically analyzes the moderating effects of the organizational control method for employees and innovation resistance within a smart work environment. Additionally, this study aims to identify the structural characteristics that employees resist from an innovation resistance perspective when organizational innovation occurs. The empirical analysis of this study suggests that when smart work such as ICT technology is introduced into the workplace the level of innovation resistance decreases when there is a high level of relative advantage and self-efficacy, whereas the level of innovation resistance increases when there is a high level of use complexity. Moreover, this study revealed that the level of innovation resistance increases when the employees' behaviors were controlled. The results of this study intend to contribute to improving business management by suggesting factors worth considering when incorporating smart work into work places through a thorough case analysis.

• The Journal of the Acoustical Society of Korea
• /
• v.25 no.5
• /
• pp.246-256
• /
• 2006

The plane wave reflection coefficient is an acoustic property containing all the information concerning the ocean bottom and can be used as an input parameter to various acoustic propagation models. In this paper, we measure the plane wave reflection coefficient, the sound speed, thd the attenuation for saturated granular medium in the water tank. Three kinds of glass beads and natural sand are used as the granular medium. The reflection experiment is performed with the sinusoidal tone bursts of 100 kHz at incident angles from 28 to 53 degrees, and the sound speed and attenuation experiment are performed also with the same signal. From the measured reflection signal, the reflection coefficient is calculated with the self calibration method and the experimental uncertainties are discussed. The sound speed and the attenuation measurements are used for the estimation of the porosity and permeability, the main Biot parameters. The estimated values are compared to the directly measured values and used as input values to the Biot theory in order to calculate the theoretical reflection coefficient. Finally, the reflection coefficient predicted by Biot theory is compared to the measured reflection coefficient and their characteristics are discussed.

• Geophysics and Geophysical Exploration
• /
• v.27 no.3
• /
• pp.181-195
• /
• 2024

This tutorial explains that the static effect in the magnetotelluric (MT) survey is a physical phenomenon caused by charges accumulated on the boundaries of subsurface inhomogeneities. To facilitate understanding of the physical phenomenon, differences between static induction and charge accumulation on the boundary are explained and analyzed with help of schematic illustrations. Subsequently, from the electromagnetic (EM) integral equation formulation, it is clearly shown that the secondary electric field due to charges accumulated on the interface in the presence of the primary field appears as the static effect. Therefore, except in the cases of the layered earth or a two-dimensional earth with transverse magnetic (TM) mode excitation, the static effect always exists in MT responses and further, it is not 'static' but rather frequency dependent. Despite the fact that the static effect is a secondary electric field due to inhomogeneity, inevitable under-sampling in the frequency and spatial domains prevent the effect from being handled properly in numerical inversion. Therefore, considering the practical aspects of the MT survey, which cannot be a continuous measurement covering the entire survey area over a wide frequency band, a three-dimensional (3-D) inversion incorporating the static shift as a constraint with the Gaussian distribution is introduced. To enhance understanding of the integral equation EM modeling, the formulation of the 3-D integral equation and mathematical analyses of the Green tensor and scattering current are described in detail in the Appendix.

• Journal of dental hygiene science
• /
• v.11 no.4
• /
• pp.353-359
• /
• 2011

This study was designed to identify a subjective symptom level by Indoor air according to ventilation system in Dental Clinic. The number of respondents was 582 who work in dental clinic and period of investigation was October 2010 through January 2011. A structured questionnaire was employed to evaluate the level of participants' sociodemographics, job-related factors, work place condition, a subjective symptom. Most of respondents were answered that time for symptom to begin was at around 2 P.M. and time for symptom to feel serve pain was at around 3 P.M. and ventilation frequency per a day was often in case of individual cooling and heating system. More often natural ventilation and in case of individual cooling and heating system, the level of subject symptom was low and multiple regression analysis has found that indoor air quality related elements were main factors that influence to the feeling of satisfaction in work place. The results of this study suggest that more often natural ventilation was very important to reduce the level of subjective symptom. Thus, a management program for indoor air quality is strongly recommended by natural ventilation, maintenance man for promotion of quality of life in dental hygienist and to improve dental service and competitiveness.

• The Journal of the Korea Contents Association
• /
• v.16 no.8
• /
• pp.556-567
• /
• 2016

The aim of this study is to make an education satisfaction assessment tool in university. For this, the related study, researchers meeting were conducted and 20 university students were involved in checking items, and then inventory items were completed. The pilot test was conducted at university in Choongnam Province for EFA(Exploratory Factor Analysis by using outcome data. From them, 4 sub-areas and 12 factors were consisted. The 4 sub-areas are education method, education contents, education environment, and education outputs. The education method is composed of appropriateness and fairness of classroom activities, the education contents are composed of systemization of education contents, the diversity and quality of education contents, and the effectiveness of education contents. The education environment is configured as educational facilities and environment, educational supporting service and administrative services. For content validity, items which adapted over 0.90 S-CVI : Standard Content Validity Index. To 48 inventory items obtained proper contents validity and reliability, measurement of suitability of verification was conducted. Cronbach's ${\alpha}$ of reliability test has emerged as highly 0.987. In CFA(Complimentary Factor Analysis), CFGFI, CFL, TLI, RMSEA, NFI indexes show a good value, therefore, this assessment tool for educational satisfaction in university is suitable for measuring tool.