• 제목/요약/키워드: Bad Debt

검색결과 18건 처리시간 0.024초

어업인 신용평가모형 개발현황 및 과제 (The Present state and tasks of Fishermen Credit Scoring Model)

  • 홍재범;김정욱
    • 수산경영론집
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    • 제39권1호
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    • pp.43-61
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    • 2008
  • Excessive public loan with low interest and other tax benefits have been provided for fishermen, but much of them turned out to be little performed. There were the moral hazards of Suhyup in the process of executing the public loans. As the government gave the reimbursement on the financial loss of Suhyup resulting from the public loans, Suhyup had no responsibility of the bad debt loss. Therefore, Suhyup gave little efforts to reduce the non-performing. The government perceived this problem and tried to reduce the under-performing loans. Thus, the government decided to take limited responsibilities. Suhyup made the progress to reduce the under-performing public loans. Suhyup dealt with these situation and made the credit evaluation model of the fisherman's public loan. This paper is for the credit evaluation model in the fisherman's public loan, which explains the model development methodology and the model characteristics in detail. This evaluation model is composed of two sub-component model. the one is the quantitative model and the other is the qualitative model. The quantitative sub-model is for the identification of fishermen financial status and is based on the financial transaction information. Its development methodology is the CSS modeling for the consumer market. The qualitative sub-model is for the evaluation the business prospect and is based on the business information such as fisherman's management skills, technology, equipment. Its development methodology is the AHP. It provides the detailed information in the model development methodology, which is the ideal example such as the public loan. In addition it gives the information to the interest parties such as policy makers, suhyup and fishermen.

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한국 농수산물 수출업체의 무역보험상품 이용에 관한 실증분석 (An Empirical Study on the Use of Trade Insurance by Korea Agricultural and Marine Products Trading Companies)

  • 박명섭;박영현
    • 무역상무연구
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    • 제66권
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    • pp.285-312
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    • 2015
  • Export and import of food, agriculture, forestry, fishery products are suffering from low growth rate due to the European financial crisis, global recession, and Japan's 2012 export expansion following the aftermath of 2011 earthquake. Upon the signing and enactment of Free Trade Agreement with the U.S. and the EU, agriculture and fishery product have become the center of attention. Agriculture and fishery was reported to be 80million dollars, 1.46% of total national export, in 2012. Starting from2000, South Korea's government began its effort to expand agriculture and fishery export and as a result, export has steadily increased despite decreased consumption led by global recession. K-Sure has started an insurance program with the purpose of promoting SME business's export. It protects SME business against risk arising from credit, emergency, bad debt, and domestic price increase. This study aims to evaluate the service quality of K-Sure's insurance program via surveying SME businesses in the agriculture and fishery industry. Also this study will identify key service factors for SME businesses and explore ways to expand SME exports of agriculture and fishery by analyzing consumer satisfaction index. Results indicated service product quality factor, service communication quality factor, and social quality factor was key to improving consumer satisfaction for SME businesses in agriculture and fishery industry. Service product quality factor had a negative effect on consumer satisfaction in term of variety and results indicated that service communication quality factor's responsiveness element had minimal impact on consumer satisfaction. Conversely, all elements for social quality factor had positive effects on consumer satisfaction. Thus, leading to the conclusion that improvements in service product quality factor and service communication quality factor will indeed increase consumer satisfaction.

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베트남 일반은행의 경쟁력 제고에 관한 연구 (Competitiveness Enhancement for Local Commercial Banks in Vietnam)

  • ;김정호
    • 국제지역연구
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    • 제21권2호
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    • pp.171-196
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    • 2017
  • 본 연구에서는 베트남 일반은행들의 경쟁력제고를 의사결정의 목적으로 삼고 AHP 계층분석기법을 적용하여 이 문제의 해결을 돕기 위한 모형을 제시하고 있다. 은행 분야 전문가들을 대상으로 항목간 쌍방비교방식으로 이루어진 설문지를 배포하고 회수된 의사결정요소들의 상대적 가중치를 분석한 결과 다음의 세 가지의 주요 결과를 도출하였다. 첫째, 은행의 안전성이 베트남 일반은행들의 경쟁력확보에 있어 가장 중요한 평가기준이며 운용의 효율성, 무형가치의 보유정도 및 영업규모가 그 뒤를 뒤따른다. 둘째, 베트남 일반은행들의 경쟁력제고를 위한 대안으로 건전한 재무상태의 확보가 가장 우선시되어야 한다. 효과적인 경영관리시스템, 전략적 인적자원계획 및 고품질의 제품과 서비스 또한 높은 상대적 가중치를 보인다. 셋째, 건전한 재정확보를 위해서 악성부채 해결이 절대 필요한 것으로 나타났다. 또한, 효과적인 경영관리시스템을 구축하고 고품질의 제품과 서비스를 제공하기 위해서는 신기술의 도입이 매우 중요하다. 아울러 전략적 인적자원계획의 달성을 위해서는 임직원의 자질향상이 절대적으로 필요하다.

Messianism in Civilizational History: The Transformation of the Buddhist Messiah via Maitreya

  • DINH Hong Hai
    • 대순사상과 동아시아종교
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    • 제3권2호
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    • pp.71-92
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    • 2024
  • The world we live in is becoming more convenient thanks to the inventions of science and technology. Still, the world is also becoming more and more unpredictable with the current situation of VUCA (Volatility, Uncertainty, Complexity, Ambiguity). The Covid-19 pandemic brought the biggest global disaster ever with 774,631,444 infected people and 7,031,216 deaths (WHO on February 11, 2024) but it seems that humanity is gradually forgetting this disaster. Meanwhile the economic stimulus packages worth trillions of dollars from governments after the pandemic have further caused the world debt bubble to swell. The bubble burst scenario is something that many economic experts fear. Apparently, in the transitional period of the early decades of the 21st century, the world's economic, cultural, political, social, natural, and environmental aspects have undergone profound transformations: from the real estate and finance crises in the United States since 2008; through the melting of the Arctic ice over the past several decades; to the double disaster of the earthquake and tsunami in Japan in 2011. Especially, in the context of the world economic crisis after the COVID-19 pandemic, the human achievements of the past thousands of years are in jeopardy of being wiped out in an instant. Many people are predicting a bad scenario for a chain collapse. Facing the signals of an imminent economic catastrophe based on the appearance of "the Gray Rhino, Black Swan and White Elephant," many drawn in by Eschatological thought declare that Doomsday will occur shortly. This is the time for many other people to hope for the incoming Messiah. The Messiah is said to appear when people feel despair or suffer a great disaster because faith in the Savior can help them overcome adversity mentally. This research will find out how adherents of Buddhism view and deal with civilizational crises by examining history via symbols associated with Maitreya as based upon the Buddhist Messiah, Maitreya.

은행부실채권(銀行不實債權) 정리방안(整理方案)에 대한 고찰(考察) (An Overview of Readjustment Measures Against the Banking Industry's Non-Performing Loans)

  • 김준경
    • KDI Journal of Economic Policy
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    • 제13권1호
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    • pp.35-63
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    • 1991
  • 현재 우리나라의 은행산업(銀行産業)은 상당규모의 부실채권(不實債權)을 보유하고 있는데, 이는 1980년 들어 구조적 불황(不況) 쇠퇴업종(衰退業種)의 부실기업체(不實企業體)들을 정부주도하(政府主導下)에 정리하는 과정에서 은행(銀行)이 이들 부채를 떠맡게 된 데에 주로 연유한다. 국내(國內) 비은행금융기관(非銀行金融機關)이나 국제금융기관(國際金融機關)에 비해 경쟁력이 취약한 국내은행(國內銀行)의 부실채권보유(不實債權保有)는 금후의 금융자유화(金融自由化)는 물론 금융국제화(金融國際化)를 추진하는 데 애로요인으로 작용하고 있다. 본고(本稿)에서는 먼저 주요 선진국(先進國)들의 대표적인 부실기업정리(不實企業整理)의 경험을 조사하여 각국의 상이한 금융시스템과 부실기업(不實企業) 정리(整理)패턴간의 연계성을 살펴보고, 과거 우리나라의 부실기업(不實企業) 정리사례(整理事例) 및 성과분석(成果分析)을 통하여 부실채권정리(不實債權整理)의 기본적 방향을 도출하였다. 이에 이어 최근 은행산업(銀行産業)의 부실채권(不實債權) 보유현황(保有現況) 및 경영실태(經營實態)에 대한 분석(分析)을 토대로 구체적인 정리방법과 그 실효성(實效性)에 관해 이론적으로 고찰해 보았다. 주지하는 바와 같이 부실채권정리(不實債權整理)를 제약하는 가장 큰 요인은 손실배분시(損失配分時) 첨예하게 대립되는 관련당사자간의 이해상충문제(利害相衝問題)이다. 경제적(經濟的) 손실(損失)을 최소화하는 부실채권정리의 기본방향(基本方向)은 사후적(事後的) 여신관리(與信管理)에 있어서 은행(銀行)의 수동적 자세를 유발시켜 온 정부(政府)의 직접적인 개입(介入)을 지양하고 부실채권의 내용을 가장 잘 파악하고 있는 관련채권은행(關聯債權銀行)이 주체가 되어 가급적 은행책임하(銀行責任下)에 부실채권(不實債權)을 정리하는 것이라 사료된다. 이를 위한 방법으로 본고(本稿)에서는 부실채권(不實債權)을 연체기간(延滯期間) 및 상환가능성(償還可能性) 등으로 구분하여 상대적으로 양질(良質)의 부실채권은 채무기업(債務企業)의 우선주(優先株)로 전환하는 방법을 모색해 보고, 매몰비용과 다름없는 불량한 부실채권(不實債權)에 대해서는 내부유보(內部留保)의 확충, 은행자산(銀行資産)의 재평가(再評價) 등을 통해 단계적으로 대손상각처리(貸損傷却處理)하는 방안을 고찰해 보았다. 특히 부채(負債)-주식(株式) 전환방법은 은행자산(銀行資産)의 유동성(流動性) 및 수익성(收益性)을 개선하는 데 도움을 줄 수 있으며, 채무기업(債務企業)도 당장의 채무상환압박(債務償還壓迫)의 해소로 재무구조(財務構造)의 강화를 기할 수 있다는 점에서 정책적(政策的) 차원(次元)에서 적극 검토할 필요가 있다고 사료된다.

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암 환아 부모의 경험에 대한 질적 연구 (The Experience of Parents Whose Child is Dying with Cancer)

  • 조영숙;김수지
    • 대한간호학회지
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    • 제22권4호
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    • pp.491-505
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    • 1992
  • The purpose of this research was to understand the structure of the lived experience of parents of a child terminally ill with cancer The research question was “What is the structure of the experience of parents of a child terminally ill with cancer\ulcorner” The sample consisted of 17 parents of children admitted to the cancer units of two university hospitals in Seoul. The unstructured interviews were carried out from October 10, 1991 through January 10, 1992. They were audio-recorded and analysed using Van Kaam's method. Parents ascribed the cause of the cancer to the mother's emotional imbalance during pregnancy, the mother's stress, failure to observe religious rites, food, the parent's sin, misfortune and pollution. The theme clusters were tension, fear and depression experienced during pregnancy, stress that children suffer from abusive parents, failure to observe religious activites, bad luck, and sins committed during a previous life. When the child suffered a recurrence of cancer, the parents experienced negative emotions, nervousness, sorrow. depression and death. The theme clusters were feelings of despair, helplessness, regret, guilt, insecurity, emptyness and apathy. The long struggle with cancer resulted in the loss of economic security, loss of psychological and physical well being, and social withdrawal. The theme clusters were the economic burden of medical cost, giving up treatment, debt, limited medical insurance coverage and blood transfusion. The loss of psychological well being included stress, lack of support systems, inability to carry out responsibilities, lack of trust of the medical ten family breakdown, inappropriate expression of emotion and not disclosing the diagnosis to the child. Physically the parents suffered fatigue, insomnia, loss of appetite, loss of weight, dizzness, headache, psychosomatic symptoms, and increased consumption of liquor and cigarettes. Social withdrawal was manifested by taking time off from work to look after the child, decrease of outside social activities and feelings of isolation. Influences on family life were spousal conflicts, negative response of siblings, separation of the family members and economic hardship. The theme clusters were blaming a spouse for the cause of the illness and disagreements, maladjustment, lonliness, hostility and depression of siblings. The high price of medical care over the long period was a major factor influencing the life of the family. Positive experiences during the child's long illness were the strengthening of support systems and religious beliefs and financial help from social organizations. The support of one's spouse primarily helped to overcome the stress of the long illness. In addition, support was received from parents of other children with cancer and from nurses and religious leaders. The nurse, by providing empathetic support, should be a person with whom parents can express their feelings and share their experiences.

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암 환아 발생이 가족에게 미치는 영향에 관한 연구 (The Impact of Childhood Cancer on The Korean Family)

  • 김수지;양순옥
    • 대한간호학회지
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    • 제22권4호
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    • pp.636-652
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    • 1992
  • This study identified the impact of childhood cancer on the Korean family. The purpose was to contribute knowledge for family nursing and pediatric hospice care practice with sick children and their families. This descriptive study was conducted during a 6 month period with children who were being treated for cancer at six university hospitals in Seoul. The data were gathered from members of 68 families ; 24(Group A), with a child newly diagnosed with cancer : 27(Group B), with a child under treatment and without complications, and 17 (Group C), with a child in relapse. Medical records, structured questionnaires and interviews were used for data collection. The questionnaires and interview schedules had been used previously in Martinson's research in the USA and China. The findings, conclusions, and suggestions are as follows. 1. The impact of childhood cancer on the family. Members of the family experienced fear, helplessness, guilty feelings, and anger at the time of the initial diagnosis and at relapse. Mothers complained of headache, anorexia and poor appetite, weight loss, sleep disturbance, and bad dreams. Many of the fathers either lost or changed jobs, and all working mothers stopped working. Half the parents reported changes in their marital relationships such as frequent quarrels but also stronger unity. Family members perceived cancer as the most frightening disease. Change in their world view was expressed as living on faith understanding suffering, determining to live a better life, wanting to live an upright life and valuing health as the most important. Religious activities are found most helpful through this difficult experience. Financial debt due to the treatment and care of the sick child, burdened 22 families. The above mentioned impact was most evidant in Group B(those presently undergoing treatment) and Group C(those in relapse). Findings indicate that nursing care should embrace the family of a child who is being treated for cancer. 2. Characteristics of the child with cancer The majority of the children in this sample had a diagnosis of leukemia. Their mean age was 6.8 and the ratio of boys to girls was 1.12 ; 1. The mean hospitalization frequency was 13.5 times and the mean duration of illness was 16.8 months. Most of 1.he children perceived cancer as the most frightening disease ; 32.7% of the children described their sickness as serious. Children in Group C were hospitalized more frequently, stayed in hospital for longer periods, and expressed their sickness as quite serious more often than the other two groups. These findings indicate how much comprehensive pediatric hospice nursing care services are needed along with relevant research and nursing education. 3. Characteristics of the families. The mean age of the father was 39.5 and the mother, 36,6 ; they are in their most productive life period. Mothers especially expressed feelings of financial uneasiness and powerlessness about giving up their jobs, and guilty feelings for not providing enough care and concern to other children due to taking care of the sick one. The burden of caring for the sick child can bring negative changes in family dynamics which they think provoke potential health problems in members of the family These findings suggest a need for nursing support and counselling resources. Findings also suggest the need for ethical inquiry about such questions as who should give information to the child in regard to diagnosis and prognosis, when, and how. Other suggestions included : 1) Quality health care for childhood cancer such as home care and pediatric hospice programs should be established. 2) Special and practical consideration for long-term patients should be made in the present insurance coverage. The reimbursement period for long-term patients should be lengthened. 3) Further in-depth qualitative studies are needed. 4) Education programs including guided practice experience for pediatric hospice care practitioners are needed.

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한국 NPL시장 수익률 예측에 관한 연구 (A study on the prediction of korean NPL market return)

  • 이현수;정승환;오경주
    • 지능정보연구
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    • 제25권2호
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    • pp.123-139
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    • 2019
  • 국내 NPL (Non performing loan) 시장은 1998년에 형성되었지만, 본격적으로 활성화 된 시기는 2009년으로 역사가 짧은 시장이다. 이로 인해 NPL 시장에 대한 연구도 아직까지는 활발히 진행되지 않고 있는 상황이다. 본 연구는 NPL 시장의 각 물건 별 기준 수익률 달성 유무를 예측할 수 있는 모델을 제안한다. 모델 구축에 사용되는 종속변수는 물건 별 최종 수익률이 기준 수익률 수치 도달 여부를 나타내는 이항변수를 사용하였고, 독립변수로는 물건의 특성을 나타내는 11개의 변수를 대상으로 one to one t-test와 logistic regression stepwise, decision tree를 수행하여 의미있는 7개의 독립변수를 선별하였다. 그리고 통상적으로 사용되는 기준 수익률 수치(12%)가 의미있는 기준 수치인지 확인하기 위해 수치 값을 조절해가며 종속변수를 산출하여 예측모델을 구축해보았다. 그 결과 12%의 기준 수익률 수치로 산출한 종속변수를 이용하여 구축한 예측모델의 평균 Hit ratio가 64.60%로 가장 우수하다는 결과를 얻었다. 다음으로 선별된 7개의 독립변수들과 12%를 기준으로한 수익률 달성유무 종속변수를 이용하여 판별분석, 로지스틱 회귀분석, 의사결정나무, 인공신경망, 유전자알고리즘 선형 모델의 5가지 방법론을 적용해 예측모델을 구축해보았다. 5가지 방법론으로 도출한 예측 모델 간 Hit ratio를 비교한 결과 인공신경망을 이용하여 구축한 예측모델의 Hit ratio가 67.4%로 가장 우수한 결과를 도출해내었다. 본 연구를 통해 추후 NPL시장 신규 물건 매매에 있어서 7가지의 독립변수들과 인공신경망 예측 모델을 활용하는 것이 효과적임을 증명하였다. 물건의 12% 수익률 달성 여부를 사전에 예측해봄으로써 유동화회사가 투자 의사결정을 하는 데에 도움을 줄 것으로 예상하며, 나아가 NPL 시장의 거래가 적정한 가격 선에서 진행됨으로 인해 유동성이 더욱 높아질 것이라 기대한다.