• 한국생활과학회지
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• 제2권1호
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• pp.45-51
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• 1993

The purpose of this study is to provide some information for the proper education on clothing wearing habits so that the education may be performed in the direction of social needs according to the social change and in the direction of the needs and interest of the high school girl students in their adolescence by being conscious of the influence of clothing on the high school girl students. I have used questionaire as an instrument of measurement. The length of the time of survey is from February 11, 1991 to February 28. The subjects are 544 first grade girl students of general high schools in Cheong-Ju, Choong-Ju, and Je-Cheon. The analysis of the data includes frequency, percentage, average person's Correlation Program, t-test, ANOVA, Scheffe's test. The conclusion of this study is as follows: The first, it is shown that (l)students's interest in the design and fashion of clothing is significantly related to the socio-anthropological and socio-psychological factors such and the education level of their fathers, the education level of their mothers, monthly income of their homes, the clothing habits of their home economics teachers, the subjects which they are interested in, their average scholoary achievements, their religious background, and whether they have boy friends or not, etd. (2)students' interest in purchasing of clothing is significantly related to the socio-anthropological and socio-psychological factors such as the education level of their fathers, the education level of their mothers, monthly income of their homes, the clothing habits of their home economics teachers, the subjects which they are interested in, their average scholoary achievements, and whether they have boy friends or not, etc. (3)students' interest in the social-psyclological aspect is significantly related to the socio-anthropological and socio-psychological factors such as their living area, the clothing habits of their home economics teachers, etc. (4)students' interest in the clothing construction is significantly related to only the clothing habits of their home economics teachersl. (5)students' interest in the clothing management is significantly related to the socio-anthropological and socio-psychological factors such as the education level of their parents, the age of their mothers, their religious background, and their sisters. The second, as for the interest of the high school girl students in clothing, it has been shown that those who wear school uniforms tend to have more interest than those who wear free-choice clothes in such areas as shopping, the construction, and management. As for the other two areas, that is, disign and fashion, and the interest in socio-psychological dependence there has been little meaningful difference between the two groups, while the uniform group has shown more interest than the other group. The third, the interest of hish school students in clothing is considered to be most seriously influenced by their socio-psychological dependence out of five areas of interest. It has been shown that the proportion of the content dealing with clothing wearing life in the high school home economics texbooks in relatively small, especially in such areas as socio-psychological dependence, shopping, management, and design and fashion except in construcion.

• 서비스연구
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• 제6권2호
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• pp.99-116
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• 2016

본 연구의 목적은 금리추세가 국내생명보험회사들의 자산운용 실태에 미치는 영향을 분석하여 문제점을 도출하고, 자산운용전략에 대한 방향성을 제시하고자 하였다. 연구방법은 2000년~2014년 동안에 국내 생명보험회사들의 자산현황 및 운용자산 내역, 자산배분실태, 유가증권 내역을 시계열 분석하였고, 총자산 및 자산별 수익률을 분석하였으며, 금리 주가와 운용수익률 간의 상관관계와 회귀분석을 실시하였다. 분석결과는 안전자산인 국공채의 비중은 증가한 반면에 위험자산인 주식의 비중은 감소하여 수익성 보다 안정성 위주로 자산운용을 하고 있었다. 금리와 총자산수익률, 운용자산수익률, 유가증권수익률 간에 높은 양(+)의 상관계수가 산출되었으며, 금리와의 상관관계에서 총자산수익률 보다는 운용자산수익률의 상관관계가 높았고, 운용자산수익률 보다는 유가증권수익률의 상관관계가 더 높았다. KOSPI 주가지수와 운용수익률 간에는 상관계수가 음(-)으로 나타났다. 시사점은 안정성 위주의 자산운용으로 금리하락이 역마진 리스크를 높이고 있어서 자산운용의 변화가 필요하다는 것이다.

• 한국경영과학회지
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• 제27권4호
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• pp.167-184
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• 2002

The importance of competitive intelligence (CI), which collects/uses information about competitors, industries, etc., has been increased due to the rapidly changing business environment of today. However, there exist few domestic researches on CI. With this background, a study of domestic companies was performed that examines how the enterprise characteristics, the interest on CI, and the informatization level affect the way/level and outcome of CI. Results showed that bigger enterprises have the higher interest on CI than smaller ones and enterprises having high interest perform CI activities systematically and variously including using the internet. Further, the results uncovered the enterprises performing CI actively use the information acquired from the activity effectively in their business. The results also revealed that there are no difference between the IT companies and the others and that the jnformatization level is irrelevant to the internet CI activity level.

• Journal of Smart Tourism
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• 제1권4호
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• pp.31-42
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• 2021

Commercial space tourism is being developed and this trend is expected to continue and accelerate. Although opportunities and threats of space tourism attracted the interest of academia, literature on potential demand, attitudes and people's motivations for space tourism is scarce. In this context, this paper investigates young generations' interest and motivations towards different forms of space tourism. The cluster analysis on 2,207 respondents highlighted an interest in space tourism although motivated by different reasons, levels of budget and sustainability aspects. Interest in space tourism varies according to how far it is perceived as potential, possible or sustainable, or to people's personal feelings. The paper adds to contributions in the tourism field by investigating the opportunities space can offer this industry.

• 한국콘텐츠학회논문지
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• 제15권12호
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• pp.273-284
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• 2015

본 연구는 북한이탈 여성의 자아존중감과 외모관리행동의 관련성 및 외모관리행동에 영향을 미치는 요인을 파악하기 위한 연구이며, 2014년 12월부터 2015년 2월까지 북한이탈여성 총 201명의 자료를 분석하였다. 자료는 SPSS 21.0을 이용하여 분석한 결과는 다음과 같다. 첫째, 대상자의 자아존중감은 4점 만점에 2.40점으로 조사되었다. 외모관심도는 5점 만점에 3.20점이며, 외모관리 행동은 5점 만점에 2.67점으로, 대상자들은 메이크업과 의복관리 행동을 많이 하지만 운동, 섭식 행동은 평균보다 낮은 것으로 조사되었다. 둘째, 대상자의 자아존중감과 외모관심도는 연령, 체중조절의도 및 성형관심도에 따른 유의한 차이를 보였으며, 외모관리행동에서는 외모관리 하위 영역별 차이는 있으나, 연령, 성형관심도, 재북시 직업과 유의한 차이를 보였다. 셋째, 대상자의 자아존중감은 외모관심도, 외모관리행동과 연령, 체중조절의도 및 성형관심도와 유의한 상관관계가 있었다. 외모관심도는 외모관리행동, 연령, 체중조절의도 및 성형관심도와의 상관관계를 보였으며, 또한 외모관리행동은 연령, 체중조절의도 및 성형관심도와 유의한 상관관계를 보였다. 넷째, 자아존중감과 외모관심도는 대상자의 외모관리행동을 44.7% 설명하였다. 따라서, 본 연구는 한국사회의 중요한 구성원인 북한이탈여성들의 자아존중감 향상 및 외모관리 프로그램 개발의 기초자료로 활용될 것이라 기대한다.

• 재무관리연구
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• 제22권2호
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• pp.213-226
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• 2005

역선택은 금융 산업에서 많이 연구되는 주제이다. 은행 대출 이자율에 대해서는 이자율과 역 선택의 관계에 대해서 공감을 형성하고 있지만, 신용카드 이자율에 있어서 이자율의 변화와 역선택이 발생하는 방향에 대해서 아직 논쟁 중이다. 그러므로 이 논문에서는 신용카드 이자율에 있어서 역선택이 어떻게 발생하는 지를 밝히고, 균형 이자율이 결정되는 과정을 보이려 한다. 신용카드 이용자들과 공급자 사이의 상호 작용이 이자율을 결정하게 되는 중요한 요소이다. 신용카드 이용자들은 거래수단으로서 혹은 자금 조달 수단으로 신용카드와 현금을 이용할 수 있는데, 단위 화폐가치당 소용 비용을 최소화하려는 선택을 하는 합리적인 소비자로 가정하고 있다. 반면에 신용카드 공급자들은 그들의 이익을 최대화하려는 노력을 기울이는데, 현금보다 신용카드가 널리 쓰일수록 유리하다. 이런 가정하에서 신용카드 이자율과 역선택의 관계를 이론적 모형을 통해서 분석하였고, 은행 대출 이자율에서 발생하는 역선택과 같은 역선택이 발생함을 보였다. 즉 증가하는 신용카드 이자율은 역선택을 유발하는 것이다.

• 아태비즈니스연구
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• 제11권3호
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• pp.63-77
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• 2020

Purpose - The purpose of this study is to examine the effects of personal characteristics, loan characteristics, and interest rate characteristics of 2,653 borrowers on the delinquency possibility. In doing so, this study applies both multiple regression and logistic regression models to the data of credit unions in the city of Daegu. Design/Methodology/Approach - The major results of multiple regression analysis using SPSS are as follows. Findings - As for the results of testing the significance of the regression coefficients, it has been found that among the personal characteristics variables membership, credit rating, credit rating changes, and LTV have significant positive (+) effects on the delinquency possibility. Also it has been shown that among the loan characteristics variables loan amount, loan balance, total debt amount, collateral type, collateral amount, and repayment method have significant positive (+) effects on the delinquency possibility. Furthermore it has been found that among the interest rate characteristics variables both overdue interest rate and interest rate spread have positive (+) effects on the delinquency possibility. However, it has been shown that among the personal characteristics variables equity and membership do not have significant effects on the delinquency possibility, and that normal interest rate among the interest rate characteristics variables also do not have a significant effect on the delinquency possibility. Research Implications - By systematically analyzing the variables affecting delinquency possibility based on the results of this study, credit unions might get positive help in improving the system of managing receivables. Furthermore, the results of this study could be extended and applied to other types of financial institutions, so that financial institutions in general will also get some help to systematically manage the delinquency possibility.

• 서비스연구
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• 제5권2호
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• pp.35-49
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• 2015

본 연구는 금리추세에 따른 국내손해보험회사들의 자산운용 실태를 분석하여 문제점을 도출하고, 자산운용전략에 대한 방향을 제안하고자 2009년~2014년까지의 자료를 바탕으로 연구하였다. 손해보험회사들의 자산현황 및 운용자산 내역, 자산배분실태, 유가증권 내역, 총자산수익률을 시계열 분석하였으며, 금리 주가와 총자산수익률의 상관관계 분석을 실시하였다. 연구결과는 안전자산인 국공특수채의 비중은 증가한 반면에 Credit물인 금융회사채 및 위험자산인 주식의 비중은 감소하여 수익성 보다 안정성 위주로 자산운용을 하고 있었다. 금리하락 추세에 따라 총자산수익률도 같이 하락하고 있었으며, 주가지수 추이와 총자산수익률 추이는 일치하지 않았다. 금리와 총자산수익률 간에는 높은 양(+)의 상관계수가 산출되었지만, KOSPI 주가지수와 총자산수익률 간에는 상관계수가 음(-)으로 나타났다.

• 경영과학
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• 제20권1호
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• pp.25-36
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• 2003

Now that many organizations have invested a tremendous amount of money and efforts to operate Web sites on the Internet, there is a strong demand to understand the effectiveness of such investments. In other words, one of most frequent and important questions about their Web sites is "Will the current Web site management policy be effective enough to have more visitors come to our Web site\ulcorner" In this paper, a system which predicts the degree of user interest in the future to Web sites is constructed. The degree of user interest to a Web site is defined to be the visit counts for the Web site in the system. With higher the visit counts, the related site is considered to be more interesting. However, the figures of the visit counts themselves cannot explain properly the degree of user Interest in the future to the related Web sites (i.e. the effectiveness of the related Web sites). Therefore, the system also uses mechanisms which use the concept of the Moving Averages, which have been used frequently in the stock exchanges. In this paper. two prediction mechanisms are proposed and compared. The first mechanism uses the Golden Cross/the Dead Cross of the Moving Averages, while the second mechanism uses the changes of upward/downward direction of the Moving Averages. Experimental results show that the two prediction mechanisms proposed in this paper predict the degree of user interest in the future to the related Web sites very well in most cases. However, the first one is considered to be better than the second one In the sense that the second one is too much sensitive to the changes of visit counts.it counts.

• 무역상무연구
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• 제52권
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• pp.25-44
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• 2011

Possibility of credit risk, foreign exchange risk and interest rate risk of exporter increases in the recent international Commercial transactions, due to financial crisis of Europe and liberalization of Middle East. Under this circumstance, Forfaiting is trade finance that forfaiter purchase negotiable debt instrument without recourse from exporter, which occurred related with international commercial transactions, and credit risk, contingency risk, foreign exchange risk and interest rate risk of exporter can be transferred to forfaiter. Forfaiting is typically medium-term finance(three to five years) concluded at fixed interest rate, although it can also arranged on a floating interest-bearing basis for periods from six months to ten years or more. But Forfaiting service of Korea has limitation as follows. First, forfaiting in Korea deals with unrestricted irrevocable documentary credit as debt instruments. Period that forfaiting is provided is short and amount of money is limited, compared with advanced forfaiting. But forfaiting provided in advanced countries deals with various methods such as guarantee for bill, payment guarantee, and can be resold in financial market. Recently importance of forfaiting is increasing in international commercial transactions. Therefore profound study on forfaiting is required. The study will examine the risk that happens to the concerned parties in forfaiting, and its management measures. The study adopted literature review method such as local and foreign books and papers about trade finance, internet information about forfaiting, and professional journal related with international finance.