• 한국농촌생활과학회지
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• 제6권2호
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• pp.137-149
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• 1995

The first objective of this study is to examine the finanacial management practices of rural housewives. The second objective is to determine the effects of sociodemographic characteristics on financial management practices. The Deacon & Firebaugh's model of family resource management framework and previous studies were used to determine the effects, regarding a9e, income, number of family, education level, and farming/nonfarming as independent/input variables, and monthly saving and managerial behavior index as dependent/throughput variables. A sample of 179 rural housewives aged less than 60 was selected from Shihung-Si Gyonggi-Do Province. Results showed that rural housewives more frequently did keeping bills, making purchase-list and verifying purchase need than recording where money spent making financial plan, and evaluating spending. With regard to household debt use, 60% of the sample had debt the most borrower used debt for farming, 73% of borrowers paid for their debt behind the schedule, and the main source of borrowing was NACF (NongHyup). Using installment credit, the rural housewives mainly bought cosmetics. 25% of the sample had credit cards. Average debt was 6, 070, 000 won, and 81% of annual income. In terms of saving, 85% of the sample saved, and 23% of the sample lived with the money after save. The main reasons of saving were for education and marriage of children and emergency. The main saving institutions were NACF and NLCF (ChukHyup). The regression showed that income was negatively associated with monthly saving, and age was identified as the positive determinants of managerial behavior index.

• 통상정보연구
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• 제3권2호
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• pp.113-129
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• 2001

인터넷은 컴퓨터와 네트워크의 가상공간을 통하여 그 개방성과 뛰어난 확장성으로 전자상거래의 기본수단이 되고 있으며 경이로운 발전을 거듭하고 있다. 이에 따라 현재 전세계는 전자상거래가 폭발적으로 성장하는 시기를 맞이하고 있다. 일본에서도 최근 일본정부가 2005년까지 초고속인터넷을 3000만 가구에 보급할 계획을 세우고 있는 등 인터넷의 고속화가 빠르게 진전되고 있고, 이용자의 인터넷 접속요금도 저가격화로 변화함에 따라 전자상거래 이용지도 급속도로 증가할 것으로 예상된다. 그리고 TV를 이용한 게임기나 인터넷 전용머신이라는 컴퓨터 이외의 디지털기기로 인터넷을 이용하는 등 전자상거래 이용수단도 다양화될 것이며, 또한 디지털 텔레비전과의 제휴를 통하여 디지털데이터방송을 활용한 전자상거래도 활발히 이루어질 전망이다. 이에 따라 일본의 전자상거래시장의 급속한 성장과 함께 결제수단도 다양화되고 있다. 전자상거래의 결제수단으로서는 현금, 우편환, 은행입금, 수표 외 전자상거래의 특유의 결제수단이라고 할 수 있는 전자화폐, 인터넷뱅킹, E-Debit 등이 있다. 이 가운데 전자화폐는 일반적으로 유통성, 양도가능성, 범용성, 익명성 등 현금이 가지고 있는 기능을 갖추고 있을 뿐만 아니라 원격지송금성, 수송상의 비용절감, 금액의 분할 및 통합의 유연성, 전자성 등의 특징을 갖고 있으며 현금의 단점을 보완하는 기능도 있기 때문에, 앞으로 신용카드를 대체하는 차세대 전자결제수단으로 등장할 것이 확실시된다. 따라서 본고에서는 현재 일본 내의 다양한 주체들에 의하여 개발 실험되고 있는 전자화폐에 의한 결제시스템을 개관함으로써 우리나라에서도 일본과 같은 다양한 전자화폐에 의한 결제시스템의 개발 실험 도입이 절실함을 제안하였다.

• 한국인터넷방송통신학회논문지
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• 제18권3호
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• pp.135-141
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• 2018

최근에 온라인 전자상거래 시스템은 오프라인 상거래 시스템 규모에 비해 급격히 성장되어 모든 분야에 활발히 이루어지고 있다. 그러나 과일이나 채소 같은 신선물 거래의 경우에 오프라인 과일 상거래 유통구조는 매우 복잡하고 비용이 많이 들어서 비효과적이다. 반면에 기존 온라인 전자상거래 시스템은 과일의 신선도에 대한 소비자의 확신이 없어 구매를 꺼린다. 따라서 본 논문에서는 각종 센서, 전파식별 태그 및 네트워크를 이용한 IoT 기반 전자상거래 시스템을 제시하여 과일의 신선도를 알 수 있어 소비자가 안심하고 온라인 주문이 가능하도록 한다. 또한 이 시스템 개발을 위한 객체지향 분석 및 설계 방법이 향후 상용화 시스템 제작에 유용하게 활용될 수 있음을 보여준다.

• 한국중재학회지:중재연구
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• 제31권1호
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• pp.155-171
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• 2021

Recently, the e-business market has become a place of convergence where consumers and suppliers communicate with each other, and a new method of trading of funds has emerged in the process. Crowd-funding is one of the types of money transactions that have emerged in the online space, and its interest and trading volume have been growing rapidly recently. The platform in the online space using crowd-funding method operates in the form of online telecommunication sales, and it is in the form of producing and delivering products based on funds obtained from potential consumers by the operators involved in securing funds. However, if the participating business operators do not deliver the product or deliver the product other than the promoted product and avoid responsibility, the potential demander will not be compensated without mediation by the platform operating entity. In this study, despite the rapid growth in the market size of crowd-funding, consumers who participated in the funding are protected and able to resolve disputes in the event of a conflict amid growing complaints from potential consumers and side effects. The structure or method of crowd-funding is a new form of trading that has different features from conventional e-commerce. Therefore, the legal basis is not yet in place and the standards need to be laid out through various and sufficient discussions politically, legally, socially and culturally and economically. As the potential market and positive effects of crowd-funding around the world have been recognized, a role is required as an ecosystem for new financial transactions. And the potential market could be realized as a new industry if the right legal system and policy consultation were made.

• 경영정보학연구
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• 제6권1호
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• pp.141-153
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• 2004

건설업 특성상 공사비용의 약 $40{\sim}60%$가 자재의 구매 및 조달에 투자되는 만큼 B2B e-Marketplace를 통한 건설자재 구매는 최적의 비용과 기존 Off-line에서 낭비된 시간과 절차를 단축 할 수 있다는 점에서 건설기업의 큰 관심을 끌고 있다. 건설 B2B e-Marketplace는 중소 건자재 제조회사 및 중소 건설기업 모두에게 비즈니스 범위를 넓혀 줌으로써 대기업 위주의 건설시장에 활력을 일으킬 수 있다. 그러나 현재 국내의 어떤 산업을 막론하고 B2B e-Marketplace는 기대 이하의 저조한 시장 참여로 심각한 수준에 이르고 있다. 건설업에서도 초기에 보였던 건자재 분야 B2Be-Marketplace의 낙관적 전망은 특정 대기업을 제외하고는 실질적인 이익이나 운영 실적면에서 뚜렷하게 성과를 나타나지 못하고 있다. 본 연구는 건설 B2B e-Marketplace의 운영 현황을 사례조사를 통해 파악한다.

• 한국지능시스템학회:학술대회논문집
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• 한국퍼지및지능시스템학회 2004년도 춘계학술대회 학술발표 논문집 제14권 제1호
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• pp.422-425
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• 2004

Many believe that electronic distance teaming education transform higher education, saving money and improving learning qualify So, the open University, which teaches around 280,000 students at a distance, is examining the adaption of its distance teaching methods for the internet. But, there are only one type of distance learning education of one way direction. To understand all of a student which selected some of e teaming course, teacher must check that how many student to understand and what is the difficult problems. Without checking this condition, It will be a very difficult and boring distance learning course. In this paper, we introduce of intelligent learning contents of full duplex direction that teach understanding student and not understanding student. The computer simulation results confirms that full duplex e learning system has been proven to be much more efficient than one way direction which not considering about understanding problems.

• 대한산업공학회지
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• 제3권1호
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• pp.55-59
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• 1977

This paper develops a portfolio management game applicable to Korean Stock Market with an emphasis on teaching and training aid. It allows each participant to start out with a certain amount of money and pick his favorable stocks from a list of stocks chosen by instructor. Each participant must make a transaction at each time period and he gets a readout that states his individual performance, i.e., stock lists, cash on hand, net worth, transactions he has made and rank in accordance with his net worth. This game package consists of 10 subprograms and 7 files written with Fortran language for use on the Nova 840 computer and is divided into 3 main categories according to their functions, i.e., book-keeping function, data processing function and information searching function. This package may be used for training portfolio decison makings in the stock market and for comparing various investment methods through hypothetical investments.

• 한국전자거래학회지
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• 제8권4호
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• pp.1-16
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• 2003

ERP implementations are known to be unusually difficult, even when compared to other large-scale systems developing in a firm level, because it requires a substantial investment of time, money, and internal resources. Moreover, medium and small-sized enterprises that are increasingly adopting ERP feel much difficult due to the lack of resources. To promote the spread of ERP in medium and small-sized enterprises, "ERP template standardization methodology" led by government has been used for constructing ERP system in Korea. In this study, we present a study to measure fitness between ERP standard templates and business processes of 10 small enterprises in 5 industries. Also, we define a fitness measure suitable for this purpose. We car find that ERP template standardization methodology is partly adequate to establish ERP systems and it is required to add to templates which support the differences of business process.

• 한국전자거래학회지
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• 제5권2호
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• pp.1-25
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• 2000

The utilization of Internet, which started only at the level of advertisement, has been gradually expanding its application areas as the trial commercial transaction becomes successful, the password-coding technology which removes the risks on the cyber transaction develops, the electronic money appears and other various related technologies progress. Following this trend the securities industry has been experiencing changes along with efforts to use it commercially. This study is to analyze the work of cyber securities companies on the basis of the theoretical background through preceding studies and literature and also analyze the common and different reasons for superiority-securing strategy in competition along with problems and their reasons. And also the objective of this study is to offer new superiority-securing strategy in competition and problem-solving strategy.

• 한국정보처리학회:학술대회논문집
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• 한국정보처리학회 2004년도 추계학술발표논문집(상)
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• pp.543-546
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• 2004

Web Services are rapidity becoming the enabling technology of today's e-business and e-commerce systems, and will soon transform the Web into distributed applications. The aim of this paper is to present our approach in applying Web Services into the Internet transaction banking system. The system is integrated among backend system of banks so that each bank system can communicate with each other in order to perform transactions in transferring money from an account in one bank to an account in the partner bank and vise versa. The backend systems of banks are heterogeneous information systems; therefore it is difficult to build a common environment using existing distributed technologies. Web Services provide a means for different organizations to connect their applications with one another to conduct business across a network in a platform and language independent manner [1]. The paper will examine these benefits of Web Services and apply these features into the Internet banking transaction system regardless of platform, programming languages as well as existing backend system of banks.