• KDI Journal of Economic Policy
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• 제38권3호
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• pp.53-77
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• 2016

Financial soundness in the household sector matters for financial stability and for the real economy. The level of household debt in Korea raises concern about the financial soundness of the household sector due to its size, growth rate and quality. Against this backdrop, we assess the financial vulnerability of borrowers based on an analysis of credit bureau (CB) data, in which the actual credit activities of most individuals are recorded at a high frequency in Korea. We construct over-indebtedness indicators from the CB data and then assess the predictability of forthcoming defaults. Based on the over-indebtedness indicators, we show how borrowers are distributed in terms of over-indebtedness and how the over-indebted differ from average borrowers in terms of their characteristics. Furthermore, we show how the aggregate credit risk in the household sector would change under macroeconomic distress by analyzing how each borrower's credit quality would be affected by adverse shocks. The findings of this paper may contribute to assessing household debt vulnerability and to enhancing regulatory and supervisory practices for financial stability.

• 가정과삶의질연구
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• 제9권2호
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• pp.103-117
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• 1991

The purpose of this study was to investigate causal relations of resources and demands, family financial management and subjective financial wee-being among urban households by applying a system's approach. The data were collected through the questionnaire whose respondent were 455 housewives in Seoul. The data were analyzed by various statistical methods such as Frequency. Percentile, ANOVA , F-test, T-test, Pearson's correlation analysis, Multiple Regression Analysis. Path Analysis. The results of this research were as follows. 1) The level of subjective financial wee-being among urban households exceeded the middle level. It had significant differences according to resource variables such as age of housewife. education level of housewife, housewife's occupation, househead's occupation. per capita income, debt/net asset ratio, and according to demand variables such as aspiration, expectancy, perception of financial progress, relative deprivation. 2) The level of subjective financial well-being among urban households according to level of family financial management capability has significant differences. Therefore, the higher family financial management capability, the higher level of subjective financial well-being. 3) Among all variables affecting the subjective financial well-being among urban households. aspiration had the highest relative influence on the subjective financial well-being and per capita income, occupation of househead and family financial management variables were in this order. 4) Among all variables affecting the subjective financial well-being among urban households aspiration, occupation of househead, per capita income and finacial management variables had direct effect on subjective financial well-being . Besides housewife's education level, aspiration and per capita income had indirect effect on it through family financial management.

• 대한가정학회지
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• 제29권4호
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• pp.151-165
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• 1991

The purpose of this study was to examine causal model of resources and demands, family financial management and subjective financial security among urban households based on system theory. For this purpose, the data were collected by the questionnaire sheets. 455 housewives participated this survey in Seoul. And the data were analyzed by various statistical methods such as Frequency, Percentile, ANOVA, F-test, Pearson's correlation analysis, Multipe Regression Analysis, and Path Analysis. The results of this research were as follows: 1. There were significant differences in the Subjective Financial Security according to resource variables and demand yariables. Those variables were such as housewive's age, education, occupation, househead's occupation, per capita income, aspiration, expectancy, perception of financial progress and relative deprivation. 2. The higher family financial management level, the higher level of Subjective Financial security. And the higher family financial management plan·implement level, the higher level of Subjective Financial security. 3. The lower debt/asset ratio, the higher level of Subjective Financial security. 4. Aspiration, per capita income an financial managemant variables showed direct effect on Subjective Financial security among all variables affecting the urban households' Subjective financial security. While housewive's education level, aspiration, per capita income and husband's occupation affected indirectly on the Subjective Financial security through family financial managemant.

• 경영정보학연구
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• 제13권1호
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• pp.1-11
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• 2011

본 연구는 한국 금융산업에서의 기업 데이터 품질이 경제적인 성과에 주는 영향을 2008년과 2009년 자료를 이용하여 실증적으로 분석하였다 데이터 품질은 한국데이터베이스진흥원에서 측정한 데이터 품질관리 프로세스 지수와 데이터 품질기준을 이용하였으며, 기업의 재무 성과는 금융감독원의 금융 통계정보시스템을 이용하여 수집하였다. 분석 결과, 데이터 품질은 기업의 매출액, 영업이익, 부가가치에 통계적으로 유의한 영향을 주었다. 데이터 품질관리 프로세스 지수가 1만큼 증가하면, 부가가치는 약 2.3%가 증가한다. 또한 데이터 품질기준이 1만큼 증가하면, 부가가치는 약 72.6%가 증가한다. 기업의 경영자는 데이터 품질을 개선시키도록 노력해야 하고, 경제정책 입안자들은 기업들이 데이터 품질에 관심을 갖고 데이터 품질을 개선시키도록 하는 유인책과 정책 방향을 수립해야 한다.

• 한국정보통신학회논문지
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• 제18권7호
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• pp.1764-1776
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• 2014

본 연구는 국가회계의 전환점인 복식부기 발생주의 회계제도의 도입과 디지털 예산회계시스템의 구축에 맞추어 추진된 국방통합재정정보시스템의 산출정보, 즉 재정정보의 Data 효율성 향상에 관한 내용이다. 국방통합재정정보시스템은 프로그램 사업관리를 용이하게 하고, 국방 재정업무 전 과정을 하나의 체계에서 관리할 수 있도록 하였다. 또한, 신뢰성 있는 재무제표와 원가자료를 내 외부 정보이용자에게 제공함으로써 국방재정의 투명성과 신뢰성을 향상하는데 그 목적이 있다. 본 연구에서는 조직의 효율성 측정에 유용한 DEA(Data Envelopment Analysis)기법을 적용하여 동일유형의 부대별 효율을 측정하고 비효율 부대는 효율의 목표를 제시함으로써 재정정보 Data의 효율성을 향상시키고자 한다.

• The Journal of Asian Finance, Economics and Business
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• 제7권9호
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• pp.75-84
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• 2020

The study investigates and measures the impact of financial restructuring on overall financial performance of commercial banks in Vietnam. Survey data for this research were collected from audited financial reports of 28 commercial banks in Vietnam, for the period from 2008 to 2018. In the study, we have built a model of econometric regression with the dependent variable being financial results measured through ROA and ROE. The research methods used include Pooled Ordinary Least Square Model (POLS), Fixed Effects Model (FEM), Random Effects Model (REM), and different Generalized Method of Moments (GMM). The results showed that the account payables restructuring and owners' equity restructuring are much needed. Increasing the owners' equity, decreasing the account payables would improve the overall financial performance, bad debts restructuring to decrease bad debts would also improve the financial performance as well. However, the financial restructuring in the period 2012-2015 and 2016-2018, indeed worsen the financial performance during those times. The findings of this study suggest that the evaluation of the financial performance after restructuring of commercial banks in Vietnam must be based on longer data. At the same time, it is necessary to examine differences between various banking groups to draw accurate conclusions on financial performance.

• 정보보호학회논문지
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• 제29권5호
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• pp.1191-1204
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• 2019

정부는 2019년 1월 금융 분야의 클라우드 이용 활성화를 위해 전자금융감독규정을 개정하였다. 하지만 클라우드 정책 및 규제들이 금융회사들의 자율적인 보안활동을 저해하거나 국민의 기본권을 일부 제한할 수 있어 금융권에서는 중요정보를 클라우드로 이용하려는 움직임이 거의 나타나지 않고 있다. 또한, 중요정보는 국내에만 두도록 하는 데이터 국지화 정책은 클라우드 이용 활성화를 가로막는 대표적인 규제이며, 이는 해외 사업자에 대한 차별문제도 야기시킨다. 따라서 데이터를 통해 디지털 금융혁신 기반을 제공할 클라우드를 활성화하기 위한 정책 및 규제 개선이 필요하다. 본 연구는 국내외 금융회사에 대한 클라우드 정책현황을 알아보고 국내 금융회사에 대한 정책 및 규제들을 분석하였다. 이를 통해 국내 금융회사에 대한 클라우드 정책의 한계와 문제점을 도출하고 금융회사의 클라우드 이용 활성화를 위한 데이터 국지화 규제 개선방안 등 정책적 대안을 제시하고자 한다.

• 한국정보통신학회:학술대회논문집
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• 한국정보통신학회 2022년도 춘계학술대회
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• pp.232-234
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• 2022

빅데이터는 고객 관계 관리, 관계 마케팅, 금융 업무 개선, 신용정보 및 위험 관리 분야에서 크게 활용되고 있다. 더욱이 최근에 COVID-19 바이러스로 인하여 비대면 금융거래가 보다 활발해지면서 고객과의 관계 측면에서 금융 빅데이터의 활용이 더 요구되고 있다. 고객 관계 측면에서 금융 빅데이터는 기술적인 접근보다 감성적적인 접근이 필요한 시기가 도래하였다. 관계 마케팅 측면에서도 인지적, 이성적, 합리적인 면보다는 감성적인 면을 중요시 할 필요성이 대두되었다. 하지만, 기존의 금융 데이터는 텍스트 형태의 고객 거래 데이터, 기업재무정보, 설문지등을 통하여 수집되고 활용되었다. 본 연구는 SNS를 통하여 고객의 문화 활동, 여가 활동 기반의 고객의 감성적인 이미지 데이터 즉, 비정형 데이터를 획득하여 고객의 활동 이미지를 인공지능 CNN 알고리즘으로 분석한다. 활동 분석은 다시 주석을 달은 인공지능에 적용하고, 주석에 나타난 행동 모델을 분석하는 인공지능 빅데이터 모델을 설계한다.

• 대한가정학회지
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• 제40권2호
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• pp.175-186
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• 2002

The purpose of this study was to examine the influences of goal-oriented value to the financial management and financial satisfaction of female college students. The samples were selected from 541 female collegians. Data analysed were carried out using SAS package. Statistics used for data analysis was Cronbach'$\alpha$ coefficient, multiple regression, Pearson correlation analysis, and path analysis. The results were summarized as follows : First, resulting from the multiple regression analysis, the goal-oriented value had positive effects to the financial management - planning, implementing, evaluating, and saving - of female collegians. And the goal-oriented value had not indirectly but directly positive effects to the financial satisfaction. Second, the variables that have significant influence on the financial satisfaction were the level of household income, goal-oriented value, implementing, and monthly personal allowance.

• 한국지역사회생활과학회지
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• 제14권1호
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• pp.55-71
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• 2003

The purpose of this study was to evaluate the financial status of single mother households by financial ratios. Data was drawn from Labor Panel Survey Data in 1999, and 198 single mother households were selected. Major findings were as follows: 1) The levels of after-tax income, income per person, expenditure, expenditure per person, asset, pure asset, and debt of single mother households were lower than their counter-parts. 2) All financial ratios showed that both financial security and financial growth of single mother households were lower than their counter-parts. Especially, 22% of single mother households had the lower level of income that the lowest cost of living.