• Title/Summary/Keyword: Bank Effect

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A Study on the Promotion of Mobile Easy Payment Services in the Fintech Era (핀테크 모바일 간편결제 서비스 활성화 방안)

  • Cho, Eun-Young;Kim, Hee-Woong
    • Informatization Policy
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    • v.22 no.4
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    • pp.22-44
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    • 2015
  • With the growing interest being reflected in the FinTech industry, much attention has been paid to mobile easy payment services as well. In the era of mobile commerce, the core advantage of using mobile easy payment services(simplifying complex payment procedures and thus facilitating user convenience and reducing the chance of giving up payment) are being more emphasized. Mobile easy payment service market not only includes mobile easy payment service providers but also users, non-users, affiliates, banks, and credit card companies as main stakeholders. Exploring those stakeholders is thus important to thoroughly understand such market. However, extant literature on mobile easy payment services mostly focuses on examining adoption intention of users or non-users. This study, an exploratory research based on interviews, thus aims to extract driving as well as inhibiting factors of mobile easy payment service use from six different perspectives (i.e., social platform, bank, credit card company, affiliate, user, and non-user) and analyze a sequence of cause and effect for each factor. For this, the causal loop diagram was developed to deduce key issues and propose an alternative. Theoretical and practical implications of this study will also be discussed.

The Effects of Housing Wealth on the Balance of Elderly Household Accounts (주택자산이 고령자가구의 재정수지에 미치는 영향)

  • Kim, Jae-Yong;Jeong, Jun Ho
    • Journal of the Economic Geographical Society of Korea
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    • v.15 no.4
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    • pp.534-549
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    • 2012
  • This study analyzed the effects of housing wealth on the balance accounts of elderly households with an age of over 60 facing the asset decumulation period, capitalizing upon an ordered logit model for the 2011 household finance survey data. Out of some variables representing personal and social characteristics, the age and waged worker variables had a positive effect, but the number of household, low education level, living in the apartment and capital region variables negatively affected the balance accounts of elderly households. Some variables reflecting economic wealth and financial strategies such as the attitude of risk-taking, ordinary income and the ratio of financial assets had a positive impact, but other variables such as DSR did a negative one on the balance accounts of the elderly households. The ownership of housing wealth variable positively, but the ratio of housing assets variable negatively affected the balance accounts of the elderly households, which could be derived from the duality of housing as both consumption goods and assets. However, the ownership of other real estates and the ratio of them in the total assets variables had a negative impact on the balance accounts of the elderly households. Furthermore, since the financial asset-debt ratio worsened the balance accounts of the elderly households with both housing and other real estates, it is implied that the purchase of real estates with excessive bank loans could make them dangerous.

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Germination Continuity and Restoration of Salicornia europaea, Halophyte in West-coast of Korea (서해안 염생식물 퉁퉁마디의 발아지속과 복원)

  • Kim, Ki-Hoon;Kang, Nae-Kyu;Song, Uh-Ram;Lee, Eun-Ju
    • Journal of Environmental Science International
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    • v.21 no.2
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    • pp.181-188
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    • 2012
  • Salicornia europaea (glasswort) is succulent, annual, halophytic plant mainly distributed throughout reclaimed land or salt marsh. It has strong tolerance to salt so that it plays the part of the pioneer species in the first succession. According to domestic and foreign studies, S. europaea contains plenty of minerals and antioxidant in the body. Since people take note of an availableness of this plant as health diet, the natural growth sites are threatened. In addition to development of salt marsh and sea shore, imprudent harvest has a bad effect to S. europaea population maintenance. To seek ways to preserve the population of this plant, we carried out the continuity of seed germination and restoration test. Seokmo Island, Daebu Island, Youngjong Island and Sudokwon landfill in Korea are selected sites for research. Result of germination continuity shows that most S. europaea seeds germinate on March but no more after July. However the germination was occurred after that time in the greenhouse. So we concluded that no germination after July is a matter of environmental condition not the number of remaining seeds. Also germination was seldom occurred in the spot where seeds production was not happened. In result of continuity test of seed germination by soil depth, germination was occurred vigorously only in top soil. From these results, we note that most S. europaea germinate in the early spring, and germination is finished by July. And this rapid germination speed makes the number of seeds in soil seed bank rare. If a large number of S. europaea in some area are harvested after July, the number of this species will dramatically decrease in that area the following year. In Seokmo Island, we carried out reintroduction experiment by sowing S. europaea seeds. On the first year, a small number of S. europaea settled and they produced seeds successfully. On April 2010, the second year, we observed many S. europaea in seed sowing sites. And we found out that plowing is more efficient than treatment sea water for settlement of S. europaea.

Control of an invasive alien species, Ambrosia trifida with restoration by introducing willows as a typical riparian vegetation

  • Lee, Chang-Seok;Cho, Yong-Chan;Shin, Hyun-Cheol;Kim, Gyung-Soon;Pi, Jeong-Hoon
    • Journal of Ecology and Environment
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    • v.33 no.2
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    • pp.157-164
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    • 2010
  • We evaluated the restoration effect by introducing willows as a means of controlling invasions of giant ragweed (Ambrosia trifida L.) on a riparian site. Our preliminary survey demonstrated that a problematic exotic species, giant ragweed and the representative riparian species, Salix koreensis are in competitive exclusive relationship. We planted willows at 1 m intervals on the bank of the Dongmun stream at Munsan, Paju, in Central Western Korea as an experimental restoration practice. We installed two 50 m $\times$ 5 m sized restored and non-restored for this experimental study. The non-restored plots were located on river banks, which were covered with concrete blocks and left in itself without any treatment. The height of willow was measured after each of three consecutive growing seasons and compared with the height of the giant ragweed. Although the height of Salix gracilistyla did not achieve the height of the giant ragweed, the height of S. koreensis surpassed that of giant ragweed in the third year after introduction. The results were also reflected in the relative light intensity on the herb layer of willow stand, and thereby the relative light intensities of stands, which were dominated by S. koreensis or restored by introducing S. koreensis, 1.99 $\pm$ 0.33 (%, mean $\pm$ SD) and 1.92 $\pm$ 0.50 (%, mean $\pm$ SD), respectively were lower than those in the stands treated by S. gracilistyla, 3.01 $\pm$ 0.43 (%, mean $\pm$ SD). The giant ragweed stands receive full sunlight as there are no any vegetation layers higher than the herb layer formed by the giant ragweed. As the result of Detrended Correspondence analysis ordination based on naturally established vegetation, the stands dominated by willows and giant ragweed showed different species composition between both stands. The species composition of the restoratively treated sites resembled the reference sites more than the non-treated sites. The species diversity (H') of the sites restored by introducing S. koreensis and S. gracilistyla was higher than the non-restored site dominated by A. trifida. On the basis of our results, the restoration of riparian vegetation equipped with integrated features could contribute not only to the control of exotic plants including giant ragweed but also to ensure the diversity and stability of riverine ecosystems.

Impact of Macroeconomic Factors on Terminal Operators' Profit: Focusing on Global Terminal Operators (거시경제지표가 터미널운영사 재무성과에 미치는 영향 분석: 글로벌터미널운영사 중심으로)

  • Lee, Joo-Ho;Yun, Won Young;Park, Ju Dong
    • Journal of Korea Port Economic Association
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    • v.36 no.1
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    • pp.129-140
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    • 2020
  • In the future, the global container handling market will be reorganized into larger ships and shipping alliances, and the bargaining power of shipping companies will be further strengthened. Therefore, the global terminal operator (GTO), which has a global network, vast experience, and operational know-how, is expected to strengthen its competitiveness. In Korea, the central government promoted the development of GTOs in the mid-2000s, but it failed, mainly due to disagreements between port stakeholders. In this study, the macroeconomic indicators that have the same effect in all regions were used to analyze GTO management performance. In the short term, it could be used to establish the business strategy of domestic terminal operators based on changes in macroeconomic indicators. In the long term, it would be used to establish a promotion strategy for GTOs in Korea. The results of analyzing the impact of macroeconomic indicators on the GTO's profit show that the GTO's profit is significantly affected by cargo handling capacity, the consumer price index of the United States, the Shanghai Composite Index, the Crude Oil Price, and the London Inter-bank Offered Rate (LIBOR). However, the scale of impact was not significantly different between public and private GTOs.

Effect of Nutritional Environment in Ginseng Field on the Plant Growth of Ginseng (Panax ginseng C. A. Meyer) (인삼재배지의 영양환경이 인삼의 생육에 미치는 영향)

  • Jin, Hyun-O;Kim, Ung-Jin;Yang, Deok-Chun
    • Journal of Ginseng Research
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    • v.33 no.3
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    • pp.234-239
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    • 2009
  • This study aims to establish the directions for the optimal nutrient contents determined by soil and leaf analyses. The study is to be used as a source for basic information in investigating the effects of nutritional environment on ginseng growth at the fields of Ansung region in Gyeonggi province. The physical property of soil porosity is closely related to ginseng growth, with more than 50% of good growth in the field. The optimal range of chemical properties in soil was analyzed as 0.20-0.28% T-N, 500-900 mg/kg Av.P$_2$O$_5$, and 2.3-3.5 cmol$^+$/kg Exch.Ca. The optimal range of inorganic nutrient contents in leaves was also analyzed. P value was less than 0.25%, and Mg was more than 0.22%. Other elements were not found clearly. The ratios of N/P, N/Mg, K/Mg, and Ca/P of leaves with good growth in the field showed 10<, 10-13, <14, 1<, respectively. In addition, the Ca:Mg:K ratio of the Exch.cation (cmol$^+$/kg) may be useful as an indicator in the assessment of plant growth in ginseng.

Genetic variation of sensitivity to photoperiod and accumulated temperature in soybean mini core collection lines

  • Islam, Md Rasadul;Fujita, Daisuke;Zheng, Shao-Hui
    • Proceedings of the Korean Society of Crop Science Conference
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    • 2017.06a
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    • pp.77-77
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    • 2017
  • The sensitivities to photoperiod and temperature give guidance to choose an adaptable genotype for specific area in soybean production. However, there is insufficient information about the variation of sensitivities to photoperiod and temperature with wide genetic background. We investigated the sensitivities to photoperiod and temperature using 82 soybean mini core collection lines provided by NIAS gene bank of Japan. The seeds were sown on 28 May and 4 August in 2015, 24 May and 5 August in 2016 at field in Saga, Japan ($33^{\circ}$ 14' 32'' N, $130^{\circ}$ 17' 28'' E) for the early (average photoperiod and temperature: 15.2 h and $25.1^{\circ}C$) and late (13.6 h and $27.2^{\circ}C$) sowing respectively. The plants were also grown in the growth chamber under 12 h photoperiod with three temperature regimes (day/night temperature: $25/18^{\circ}C$, $28/22^{\circ}C$ and $33/28^{\circ}C$). Emergence date, days to first flower were recorded with 10 plants in the field and 2 plants in the growth chamber for each line. The data for daily average temperatures and photoperiodic hours were collected from weather station. The days from emergence to first flower open (DEF) were varied from 23-92 (2015 and 2016) in early sowing whereas 18-68 (2015) and 18-59 (2016) in late sowing. The shortened DEF in late sowing could be caused by both short photoperiod and high temperature in late sowing. However, the accumulated temperatures during emergence to first flower open (ATEF) were less variable in comparison with DEF, suggesting the ATEF is dependent mostly on the photoperiod. The ATEF were found same between early and late sowing in some early flowering lines (e.g. $686.7^{\circ}C$ and $687.6^{\circ}C$ in HEUKDAELIPS, $728.8^{\circ}C$ and $706.3^{\circ}C$ in WILLIAMS'82) which indicated that these would be insensitive to day length. In the growth chamber experiment, the variation in both DEF and ATEF was a little greater at low temperature ($25/18^{\circ}C$) but almost same at middle ($28/22^{\circ}C$) and high ($33/28^{\circ}C$) temperatures. Since the less differences in ATEF were found between the three temperatures, it is suggested that the temperature plays only a quantitative effect on the flower initiation, and the large ATEF in some lines may indicate the stronger photosensitivity even at 12 h or longer juvenile phase. Some lines with the lowest ATEF regardless of growth conditions, such as FISKEBY V, KE 32 (ATEF: 559.6-666.5, 587.7-709.5) might lack the sensitivities to both photoperiod and temperature. The results suggested that soybean genotypes has wider variation in sensitivity to photoperiod, whereas less variation to temperature.

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An Ecological Feature of Benthic Macrofauna during Summer 1997 in Namdaechon Estuary, Yangyang, Korea (양양 남대천 하구역의 여름철 대형저서동물 군집의 생태학적 특성)

  • HONG Jae-Sang;SEO In-Soo;LEE Chang-Gun;YOON Sang-Pil;JUNG Rae-Hong
    • Korean Journal of Fisheries and Aquatic Sciences
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    • v.33 no.3
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    • pp.230-237
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    • 2000
  • An ecological study of the benthic macrofauna was carried out using a modified van Veen grab in September 1997, in Namdaechon estuary, Yangyang, Korea. A total of 17 macro-invertebrates was collected and examined from eleven stations in the study area, including 3,795 individuals and 738.63 g wet weight. Arthropods, annelids and molluscs were most abundant and occupied more than $95{\%}$ of the total number of species, individuals and biomass. Namdaechon estuary in Yangyang was very poor in macrobenthic biodiversity, and numerically dominated and characterized by the polychaetes Heteromastus filiformis, Hediste japonica, Eteone longa, an unidentified oligochaete Oligochaeta sp., a corbulid bivalve Corbicula japonica, and an estuarine isopod Cyathura higoensis. Species composition, species dominance, density, and species evenness were compared among stations. The macrofaunal azoic zone appeared in the bottom of 7 m in depth nearby the artificial bank to catch the salmons to return to the livers for spawning. It probably resulted from the oxygen depletion following strong stratification in summer, which can cause major effect on the ecological conditions and then finally kill bottom macro-invertebrates in this area. Moreover, some opportunistic species thrived in nearby another station and this is of vital importance in terms of the ecological succession in a benthic polluted area.

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Effects of The Home Physical Therapy on Recovery of Muscle Strength and Gait for Discharged Patients Who Underwent Total Knee Replacement

  • Jang, Yong Su;Kim, Moo Ki;Kim, Ji Sung;Koo, Ja Pung;Park, Si Eun;Choi, Wan Suk;Kim, Bo Kyoung;Kim, Yong Youn;Kim, Soon Hee
    • Journal of International Academy of Physical Therapy Research
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    • v.5 no.2
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    • pp.743-751
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    • 2014
  • This study aims to identify the effect of home physical therapy on patients who left the hospital after total knee arthroplasty, compared to the Daily living group, when it was applied to them, under the guidance of physical therapists. As research subjects, 20 patients that were scheduled to leave the hospital after unilateral total knee arthroplasty, were chosen, and they were randomly divided into a home physical therapy group(10 patients) and an Daily living group(10 patients) in order to conduct an experiment. During the 4-week research, home physical therapy was offered for 40 mins once for 5 days a week, and muscular strength, gait components were measured. For muscular strength, quadriceps muscle strength, hamstring muscle strength were measured, and as gait components, endurance, speed, step time, single-limb support were analysed. For this experiment, pre- and post-measurement were performed, and collected data were analyzed using SPSS ver. 18.0 statistical program. From the analysis of data, the following study results were obtained. Home physical therapy group and Daily living group both showed significant improvements in quadriceps muscle strength, hamstring muscle strength, and quadriceps muscle strength, hamstring muscle strength of home physical therapy group more significantly improved than Daily living group's. In relation to gait components, gait endurance, gait speed, step time significantly improved in both of home physical therapy group and Daily living group, whereas home physical therapy group only showed significant improvements in single-limp support. According to the comparison between two groups, gait speed, single-limp support and step time improved more significantly in the home physical therapy group than in the Daily living group. In conclusion, positive results were revealed in both home physical therapy group and Daily living group, with regard to muscular recovery of lower limbs of patients discharged from the hospital after total knee arthroplasty and walking, but considering the comparison results between two groups, it seems that applying home physical therapy is more effective than maintaining a daily life.

The impacts of high speed train on the regional economy of Korea (고속철도(KTX) 개통이 지역경제에 미치는 영향 분석과 시사점)

  • Park, Mi Suk;Kim, Yongku
    • The Korean Journal of Applied Statistics
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    • v.29 no.1
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    • pp.13-25
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    • 2016
  • High-speed railway (Korea Train Express) has had a deep impact on the regional economy of Korea. Current high-speed rail research is mostly theoretical, there is a lack of quantitative research using a precise algorithm to study the effect of high-speed railway on the regional economy. This paper analyses the influence of high-speed rail on the regional economy, with a focus on the Daegu area. Quantitative analysis using department store indexes and regional medical records is performed to calculate the economic influence of high-speed rail. The result shows that high-speed railway effects the regional economy though regional consumption growth and medical care trends.