• 제목/요약/키워드: Interest Sensitivity

검색결과 348건 처리시간 0.026초

은행서비스에서 고객지향성, 금리민감도, 고객애호도의 구조에 관한 연구: 예금이자율과 대출이자율의 조절효과 (A Study on the Framework of Customer Orientation, Interest Rate Sensitivity, and Customer Loyalty in the Banking Services: The Moderating Roles of Deposit Interest and Loan Interest Rates)

  • 하홍열;최창복
    • Asia Marketing Journal
    • /
    • 제12권3호
    • /
    • pp.43-62
    • /
    • 2010
  • 은행서비스에서 고객지향성의 중요성이 더욱 커지고 있다. 조직의 고객지향적 문화와 전략이 급증함에도 불구하고, 국내 마케팅 문헌에서 고객지향성과 그에 따른 성과를 분석한 논문이 제한적이었다. 특히, 최근의 기준금리 상승에 따른 고객들의 금리민감도가 더욱 커질 수 있는 상황에서, 본 연구의 목표는 기업의 마케팅 노력인 고객지향성의 효과를 측정한다. 먼저 고객지향성과 금리민감도, 고객지향성과 고객애호도, 그리고 금리민감도와 고객애호도의 관계를 고찰한다. 또한 예금이자율과 대출이자율의 조절효과를 통해 고개지향성-금리민감도, 고객지향성-고객애호도의 관계에 어떠한 영향을 미치는가를 조사한다. 본 연구의 모형을 테스트하기 위하여, 국내 은행을 이용하는 304명의 고객을 이용하였다. 연구 결과 고객지향성과 고객애호도의 관계는 유의하게 평가된 반면, 고객지향성-금리민감도, 금리민감도와 고객애호도의 관계는 유의하지 않게 나타났다. 고객지향성이 높이 평가되어도 금리변동에 따른 경쟁상품간의 금리비교에 의해 고객의 금리민감도는 고객지향성의 효과가 상쇄되는 결과를 발생시키고, 금리민감도는 고객애호도에 유의한 영향을 미치지 않는다. 무엇보다도, 예금이자율과 대출이자율에 따른 조절효과가 완전히 상반되는 결과를 가져온 것이 흥미롭다. 예금이자율의 경우, 고객지향성-금리민감도, 고객지향성-고객애호도에 영향을 주지 않았으나, 대출이자율은 두 관계에 유의한 조절효과를 나타내었다. 본 연구의 결과는 아직 위의 관계에 대한 조명이 미숙한 상태에서, 향후 은행들이 어떻게 전략을 구축하여야 하는가에 대한 방향을 제공하였다는 점에서 그 연구의 공헌과 의의를 찾을 수 있다.

  • PDF

복합이자율과 민감도분석에 기반한 LCC 기법에 의한 LNG 연료추진 선박 경제성 평가 사례 연구 (A Study on Economic Analysis of LNG Fuel Propulsion Ships using Life Cycle Cost(LCC) Based on Combined Interest Rates and Sensitivity Analysis)

  • 홍진표;김수영;김좌진
    • 대한조선학회논문집
    • /
    • 제51권6호
    • /
    • pp.451-458
    • /
    • 2014
  • The purpose of this study is to compare the economics between a diesel propulsion vessel and a LNG fuel propulsion vessel through the analysis of the present value using the LCC(Life Cycle Cost) method. This study is also to judge the economics for long-term operation of a LNG fuel propulsion vessel as a result of analysis about the equivalent uniform annual cost. In particular, LCC method was strengthened by sensitivity analysis based on combined interest rate which is considering discount rate and inflation rate simultaneously.

제주 곶자왈 숲 자연 놀이 체험 학습이 초등학생의 환경 감수성 변화에 미치는 영향 (Effects of the Nature Game Experience Learning on Schoolchild's Environmental Sensitivity Change in Jeju Gotjawal Forest)

  • 고성우;홍승호
    • 한국환경교육학회지:환경교육
    • /
    • 제23권3호
    • /
    • pp.97-114
    • /
    • 2010
  • The aims of this study are to develop and apply a Nature Game program for the ecological experience learning in Jeju Gotjawal forest and analyze the environmental sensitivity change of the students. The results obtained in 4th graders of A elementary school of Seogwipo-city are as follows: It was found that attention, susceptibility and practice will of environment protection for forest environment of the experimental class were significantly higher than those of the comparison class. And it was found that interest and curiosity into forest environment were also elevated in the results of the qualitative evaluation, suggesting that we could get the effect of developed Nature Game program on ecological experience learning. If various ecological experience learning programs considering the regional-specific characteristics are developed to cause students' interest and curiosity, students would come to participate in the protection activity of environment aggressively a little more.

  • PDF

Modified regularized Newton-Raphson algorithm for Electrical Impedance Tomography in Region Of Interest

  • Nam, Il-Hwan;Kang, Byung-Chae;Kim, Ji-Hun;Choi, Bong-Yeol
    • 제어로봇시스템학회:학술대회논문집
    • /
    • 제어로봇시스템학회 2003년도 ICCAS
    • /
    • pp.134-137
    • /
    • 2003
  • Newton-Raphson is most used algorithm in EIT(electrical impedance tomography), cross-sectional distribution of resistivity is reconstructed by mean of both generating and sensing electrodes attached onto the surface of the object. EIT has been suffered from the severe ill-posedness which is caused by the inherent low sensitivity of boundary measurements to any changes of internal resistivity values. In this paper, we propose modified cost function and weighting factor that compensate for low sensitivity between boundary measurements and internal resistivity and improve performance of Newton-Raphson for EIT in region of interest.

  • PDF

초, 중, 고 학생들의 과학학습 행동억제체계 및 행동활성화체계와 과학흥미도 조사 및 상관관계 분석 (An Investigation of SL-BIS/BAS and the Interest in Science among Elementary, Middle & High school Students and an Analysis of the Correlation between them)

  • 양일호;심현섭;임성만
    • 대한지구과학교육학회지
    • /
    • 제6권1호
    • /
    • pp.40-49
    • /
    • 2013
  • The purpose of this study was to investigate a motivation system about science learning and interest in science among elementary, middle & high school students and analyze on the their relations. For this, the questionnaires on interest in science that developed by Kind et al., (2007) were selected and translated. After that, second-grade 80 students, fourth-grade 87 students, sixth-grade 107 students, eighth-grade 123 students and eleventh-grade 128 students were required to accomplish a questionnaire on behavioral inhibition system/behavioral activation system about science learning (SL-BIS/BAS), interest in science. Based on these materials, SL-BIS/BAS by student's variables and relations of between the system to interest in science have been analyzed. The result of this study shows the followings. First, the sensitivity about SL-BIS was no significant difference in School levels. But sensitivity about SL-BAS and interest in science in elementary and high school was higher than it in middle school. Second, there were low negative correlation with SL-BIS and interest in science, and relatively high positive correlation with SL-BAS and interest in science. Through the results of this study, relations of motivation to related variables, and the motivation by student's variables are identified. These results would be helpful for teachers to understand the difference about motivation by students' variables and to make a plan for the appropriate strategies for learners.

AERODYNAMIC SENSITIVITY ANALYSIS FOR NAVIER-STOKES EQUATIONS

  • Kim, Hyoung-Jin;Kim, Chongam;Rho, Oh-Hyun;Lee, Ki Dong
    • Journal of the Korean Society for Industrial and Applied Mathematics
    • /
    • 제3권2호
    • /
    • pp.161-171
    • /
    • 1999
  • Aerodynamic sensitivity analysis codes are developed via the hand-differentiation using a direct differentiation method and an adjoint method respectively from discrete two-dimensional compressible Navier-Stokes equations. Unlike previous other researches, Baldwin-Lomax algebraic turbulence model is also differentiated by hand to obtain design sensitivities with respect to design variables of interest in turbulent flows. Discrete direct sensitivity equations and adjoint equations are efficiently solved by the same time integration scheme adopted in the flow solver routine. The required memory for the adjoint sensitivity code is greatly reduced at the cost of the computational time by allowing the large banded flux jacobian matrix unassembled. Direct sensitivity code results are found to be exactly coincident with sensitivity derivatives obtained by the finite difference. Adjoint code results of a turbulent flow case show slight deviations from the exact results due to the limitation of the algebraic turbulence model in implementing the adjoint formulation. However, current adjoint sensitivity code yields much more accurate sensitivity derivatives than the adjoint code with the turbulence eddy viscosity being kept constant, which is a usual assumption for the prior researches.

  • PDF

철도분야의 감성품질 요소 정립방향 (Advisable Direction of Sensitivity-Quality Factors on Railroad Sector)

  • 송민호;박재현;권순박;송용수
    • 한국철도학회:학술대회논문집
    • /
    • 한국철도학회 2011년도 정기총회 및 추계학술대회 논문집
    • /
    • pp.2250-2255
    • /
    • 2011
  • There has been a growing interest toward railroad conjunction with opening of high-speed rail in 2004 and concurrent implementation of nation's green growth policies. Meanwhile, users' expectation on service of public transportation, especially railroad has been growing than since ever due to heightened quality of life, entering aging society, voice of equity for minorities, and greater interest in environments of communities. In order to come up with the expectations, actual improvements for user's convenience/comfort and its assessment strategies in terms of service quality level are necessary. This study defines the index of this aspect of service level as 'Sensitivity Quality'. This is conceived as one of the important factors to define travel cost as do the travel time and fare, but hardly taken into consideration when assessing a transportation system or policy-making for a transportation project. The elements included for the assessment of the sensitivity quality in this study are feeling of a ride, conformability and convenience what users feel and recognize using a train. This paper suggests that establishing sensitivity quality elements would contribute in foundation of assessing service quality and provide improved public transportation services through their scientific and objective development and management.

  • PDF

가족기업과 비가족기업의 경영자 보상 구조의 차이에 관한 연구 (How is the Compensation Structure of Family Firms Different from that of Non-Family Firms? : Evidence from Korea)

  • 유정민;윤대희
    • 한국경영과학회지
    • /
    • 제38권2호
    • /
    • pp.179-196
    • /
    • 2013
  • This paper examines the difference in compensation structure between family firms and non-family firms in Korea. A manager's compensation is an important means of motivating a manager to make decisions for shareholders by mitigating conflicts of interest between them. However, the role of a manager's compensation can be weakened in family firms for the following reasons. First, a family member manager has fewer conflicts of interest, compared to a non-family member manager. Second, a family member manager has an intrinsic incentive to increase a firm's value (i.e., family wealth). Finally, a family member manager can monitor non-family member managers more effectively. For the reasons, the agency problem will be less severe in family firms and subsequently the role of compensation will be reduced. The empirical results show that pay-performance sensitivity is smaller in family firms than in non-family firms. The main result is robust to variations such as changes in family ownership, the definition of a family firm, and control variables. Furthermore, this paper compares the pay-performance sensitivity of Chaebol family firms with that of other firms. The result shows that the sensitivity is higher for Chaebol family firms, compared to that in other family firms and non-family firms.

내재민감도 함수를 이용한 단열타일의 손상 탐지 기법 (Structural Damage Detection for Metal Panel Using Embedded Sensitivity Functions)

  • 양철호;더글러스 아담스
    • 한국소음진동공학회논문집
    • /
    • 제15권6호
    • /
    • pp.697-705
    • /
    • 2005
  • Vibration-based damage identification method using embedded sensitivity functions is discussed. The theory of embedded sensitivity functions is reviewed and applied to identify damage in a three degree-of-freedom system and a metallic panel. Embedded sensitivity functions are algebraic combinations of measured frequency response functions that reflect changes in the response of mechanical systems when mass, damping or stiffness parameters are changed. By comparing the embedded sensitivity functions with finite difference functions using undamaged and damaged frequency response functions, damage is shown to be properly detected, located and quantified in theory and practice assuming that structures of interest are only damaged in one location. Simulated and experimental results indicate that the technique is most effective when changes to frequency response functions are small to avoid distorsions in the estimated perturbations due to variations in the sensitivity functions.

Wave Digital Filter의 설계 및 특성에 관한 연구 (On the Design and Properties of Wave Digital Filter)

  • 김인식;김정선
    • 한국통신학회:학술대회논문집
    • /
    • 한국통신학회 1983년도 추계학술발표회논문집
    • /
    • pp.56-60
    • /
    • 1983
  • There has been a great amount of interest in the design of digital filters with low sensitivity to coefficient variations. Especiaily the wave digital filter modeled after analog IC ladder filter has been studied to have low-cocfficient-sensitivity properties. This paper examined the design of the wave digital filter and how the sensitivity and roundoff noise porperty arises. As a result of computer simulation the implementation of the digital filter was possible with a lower coefficient word length comparing with the conventional cascade structure.

  • PDF