• Title/Summary/Keyword: Long term trend

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A Study on the Problem and Improvement of CRM in Financial Institutions (금융기관의 CRM문제점과 개선방안에 관한연구)

  • Lee, Sang-Youn;Oh, Sung-Taek;Kim, Moon-Jung
    • The Journal of Industrial Distribution & Business
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    • v.1 no.1
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    • pp.33-41
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    • 2010
  • In the age of globalization, effective and efficient corporate management is becoming more important as domestic and international business circumstances changes. In the middle of endless changes in business circumstances, fast reaction to customers and market, and offering customized goods and service became essential. In this respect, CRM designed to utilize customer information scientifically and systematically, has become an essential system and marketing strategy to enhance corporate competitiveness. CRM has placed the importance of customers in the front of marketing and has focused every process and business minds on customers. Recent change in the market and the trend of establishing and introducing CRM system has lead us to concentrate on the introduction of CRM in the financial institutions. This study searched for several views about CRM in academic and industrial papers. Through theoretical approach on CRM, the background of the introduction of CRM, the purpose of CRM, the characteristic and application of CRM, and the expected effect of CRM will be discussed. This study is focused on financial institutions where CRM is widely used. And through documents about examples of the introduction of CRM, the status of the establishment of domestic CRM and the necessity and trend of CRM will be discussed. Also the problem of CRM in the financial institutions and the improvement of CRM in domestic banks will be analyzed. When discussing CRM in the financial area, customers are the main source of corporate profit and through relationship management with the customers enhancing loyalty and maximizing profit can be obtained. Especially in CRM in financial institutions, maintaining existing customers makes higher profit ratio, so repurchasing and cross selling becomes important for obtaining lifetime value of existing customers who contribute to most of the profit of corporations. As a result, CRM should be completely customer oriented. CRM in financial institutions is not merely marketing work, but organizational competence which is made up of standardized work process through total process integration inside the corporation. Corporations which plan to introduce CRM should analyze the characteristics and conditions of corporations and establish purpose and strategy of CRM. And they need long term view to find out the factors which best fit for the introduction of CRM. To enable this, strategy composed of daily marketing activity and CRM concept is necessary. Also continued improvement through drill and training for operating organization should be followed to maintain CRM well. And corporate culture must settle customer as the center of corporate value. The race for introducing and improving CRM has already begun. CRM should not be regarded as a choice. It should be accepted as something essential. In this reality financial institutions should solve subdivision problem of customers and necessity of customers with the mind of 'customer's profit is my profit'. Customer focused management should not be emphasized only by words. Efforts like viewing from the customer's point must be nurtured to provide methods to help customers. That is, we should not just follow what is done in foreign countries. We should solve the problem of our customers according to the situation of our country, our industry, our corporation. Then we can gain the trust of customers, and the value derived from the customers will become the background of CRM which will lead the corporation to success.

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Long-term Trends of the Concentrations of Mass and Chemical Composition in PM2.5 over Seoul (서울시 대기 중 초미세먼지 (PM2.5) 질량과 화학성분 농도의 장기 변동 추이)

  • Han, Sang Hee;Kim, Yong Pyo
    • Journal of Korean Society for Atmospheric Environment
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    • v.31 no.2
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    • pp.143-156
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    • 2015
  • The literature data of the mass concentrations of TSP, $PM_{10}$, and $PM_{2.5}$, and chemical composition of $PM_{2.5}$ (sulfate, nitrate, ammonium, OC, and EC) from 1985 and 2013 at Seoul were collected and the temporal trends were discussed in relation with the policy directions. Generally, the mass concentrations of TSP, $PM_{10}$, and $PM_{2.5}$ at Seoul have showed decreasing trends. However, it is not clear what might be the major reason(s) for the trends. The concentrations of ionic component in $PM_{2.5}$ showed different trends, sulfate being reduced during the 1990s but no trend during the 2000s. The concentrations of nitrate and ammonium were increasing during the 2000s. The concentrations of OC show no apparent trend while that of EC decreased. Further policy directions are suggested based on the temporal trends of the chemical composition in $PM_{2.5}$.

Effect of Different Soil Water Potentials on Growth Properties of Northern-Highbush Blueberry (토양수분포텐셜이 북부형 하이부쉬 블루베리의 생육에 미치는 영향)

  • Kim, Hong-Lim;Kwack, Yong-Bum;Kim, Hyoung-Deug;Kim, Jin-Gook;Choi, Young-Hah
    • Korean Journal of Soil Science and Fertilizer
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    • v.44 no.2
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    • pp.161-167
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    • 2011
  • The soil moisture has an important effect on growth and development of highbush blueberry (HB), mainly because the root system, devoid of root hairs, is superficial. Moreover, the texture and organic matter content of Korean soil is different from the main producing counties, such as USA and Canada. To facilitate the growth and development of HB and long-term maintenance of productivity, the research related to soil moisture condition in Korea should be the priority. This study was performed to investigate the growth properties of the HB in various soil moisture conditions in order to determine the irrigation trigger point and optimum soil water potential. The texture of soil used in this experiment was loam. For the experiments, the soil was mixed with peatmoss at a rates 30% (v/v). Irrigation was scheduled at -3, -4, -5, -8, -15 and -22 kPa soil water potential then investigated leaf macronutrient, bush growth, and fruit properties. The leaf K content of HB showed the same trend in the soil water potential, but Leaf P and Mg content was highest in -5 and -22 kPa, respectively. The productivity and growth amount of HB showed the peak at the range of -4~-8 kPa as normal distribution pattern, and greatly decreased at above -15 kPa. Total dry weight and Cane diameter were highest at -4 kPa, plant width, fruit weight and yield were highest at -5 kPa, and plant height, cane number and shoot tension were highest at -8 kPa. Soluble solids content showed same trend in the soil water potential, but titratable acidity, anthocyanins and total polyphenols were not significantly different. Therefore, the optimal soil water potential for the development and a maximum production of HB were a range of -4~-8 kPa, and the recommended ideal irrigation trigger point was within -15 kPa.

The Impact of Education-Orientation on Technology Innovation and Company Outcome : Focusing on Korean Companies in China (기업의 교육지향성이 기술혁신과 기업성과에 미치는 영향 : 대 중국 투자 한국기업을 중심으로)

  • Kim, Jung Hoon;Lim, Young Taek
    • The Journal of Society for e-Business Studies
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    • v.19 no.4
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    • pp.231-249
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    • 2014
  • We define $21^{st}$ century as an amalgamation of globalization and localization, or Glocalization. Additionally, due to the increasing supply of smart phones and wide usage of social networking services, the ability to utilize such global and regional information has increased a coperation's competitiveness in its market, and even the business models have evolved from the conventional "production and distribution" to E-commerce, through which either a direct or a non-direct transaction is possible. My hypothesis is that the ability to adapt to this trend is possible through transfer of learning, and consequently, this will have an impact on company's performance. Thus, this thesis analyzes the mid- to the long-term impact of such ability and environmental factors on the performance and technology innovation of Korean companies in China. Ultimately, this study intends to engender a basic foundation for a corporation's management strategy in China. Finally this research focuses on those Korean companies in China only and on the proof of influential factors' impact on technological innovation and technological innovation's impact on those corporations' future performances. Section I is an abstract and section II, the case examines the uniqueness and current status of Korean companies in China identifies the concept and the definition of influential factors such as education-orientation, technological innovation, and performance, and then scrutinizes each factors through a closer look at their past researches. Section III explains the thesis model, the survey's method and target, the thesis, variable factors, the content, and the method of analysis. In section IV, the thesis is proved based on the outcome of the survey. The result in Section V highlights the high comprehension of technological innovation: both education-orientation and technological innovation prove to have a positive (+) correlation with the performance. The vision on education orientation proves to have a positive (+) influence on technological innovation. The vision on education-orientation and technological innovation prove to have a positive (+) influence individually on company's performance.

Modeling the Effect of a Climate Extreme on Maize Production in the USA and Its Related Effects on Food Security in the Developing World (미국 Corn Belt 폭염이 개발도상국의 식량안보에 미치는 영향 평가)

  • Chung, Uran
    • Proceedings of The Korean Society of Agricultural and Forest Meteorology Conference
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    • 2014.10a
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    • pp.1-24
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    • 2014
  • This study uses geo-spatial crop modeling to quantify the biophysical impact of weather extremes. More specifically, the study analyzes the weather extreme which affected maize production in the USA in 2012; it also estimates the effect of a similar weather extreme in 2050, using future climate scenarios. The secondary impact of the weather extreme on food security in the developing world is also assessed using trend analysis. Many studies have reported on the significant reduction in maize production in the USA due to the extreme weather event (combined heat wave and drought) that occurred in 2012. However, most of these studies focused on yield and did not assess the potential effect of weather extremes on food prices and security. The overall goal of this study was to use geo-spatial crop modeling and trend analysis to quantify the impact of weather extremes on both yield and, followed food security in the developing world. We used historical weather data for severe extreme events that have occurred in the USA. The data were obtained from the National Climatic Data Center (NCDC) of the National Oceanic and Atmospheric Administration (NOAA). In addition we used five climate scenarios: the baseline climate which is typical of the late 20th century (2000s) and four future climate scenarios which involve a combination of two emission scenarios (A1B and B1) and two global circulation models (CSIRO-Mk3.0 and MIROC 3.2). DSSAT 4.5 was combined with GRASS GIS for geo-spatial crop modeling. Simulated maize grain yield across all affected regions in the USA indicates that average grain yield across the USA Corn Belt would decrease by 29% when the weather extremes occur using the baseline climate. If the weather extreme were to occur under the A1B emission scenario in the 2050s, average grain yields would decrease by 38% and 57%, under the CSIRO-Mk3.0 and MIROC 3.2 global climate models, respectively. The weather extremes that occurred in the USA in 2012 resulted in a sharp increase in the world maize price. In addition, it likely played a role in the reduction in world maize consumption and trade in 2012/13, compared to 2011/12. The most vulnerable countries to the weather extremes are poor countries with high maize import dependency ratios including those countries in the Caribbean, northern Africa and western Asia. Other vulnerable countries include low-income countries with low import dependency ratios but which cannot afford highly-priced maize. The study also highlighted the pathways through which a weather extreme would affect food security, were it to occur in 2050 under climate change. Some of the policies which could help vulnerable countries counter the negative effects of weather extremes consist of social protection and safety net programs. Medium- to long-term adaptation strategies include increasing world food reserves to a level where they can be used to cover the production losses brought by weather extremes.

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A Study on the trend of change in the number of elementary school students in Korea (우리나라 초등학교 학생수 변화 패턴에 대한 조사 연구)

  • Yoon, Yong-Gi;Choi, Ki-Seok
    • The Journal of Sustainable Design and Educational Environment Research
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    • v.20 no.2
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    • pp.1-10
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    • 2021
  • The results of research and analysis are as follows: First, there were 108 types of change patterns in the number of elementary school students. Second, based on the similarity of 108 types of change patterns in the number of students, a type system diagram was presented. Third, in the case of a total of 18 types of change patterns in the number of students, the number of students decreased significantly due to the establishment of additional schools on top of the existing schools. The result of a a long-term survey and analysis on the trend of increase and decrease in the number of students across the country shows an urgent need todevelop policy tasks across the entire school accommodation plan, such as the establishment of differentiated schools suitable for regional characteristics, relocation, consolidation, reorganization of school districts, remodeling, and appropriatization projects.

Analysis on Statistical Characteristics of Household Water End-uses (가정용수 용도별 사용량의 통계적 특성 분석)

  • Kim, Hwa Soo;Lee, Doo Jin;Park, No Suk;Jung, Kwan Soo
    • KSCE Journal of Civil and Environmental Engineering Research
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    • v.28 no.5B
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    • pp.603-614
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    • 2008
  • End-uses of household water have been changed by a life style, housing type, weather, water rate and water supply facilities etc. and those variables can be considered as an internal and exogenous factors to estimate long-term demand forecasts. Analysis of influential factors on water consumption in households would give an explanation to cause on the change of trend and would help predicting the water demand of end-use in household. The purpose of this study is to analyze the demand trends and patterns of household water uses by metering and questionnaire such as occupation, revenue, numbers of family member, housing types, age, floor area and installation of water saving device, etc. The peak water uses were shown at Saturday among weekdays and July in a year based on the analysis results of water use pattern. A steep increase of total water volume can be found in the analysis of water demand trend according to temperature from $-14^{\circ}C$ to $0^{\circ}C$, while there are no significant variations in the phase of more than $0^{\circ}C$, with an almost stable demand. Washbowl water shows the highest and toilet water shows the lowest relation with temperature in correlation analysis results. In the results of ANOVA to find the significant difference in each unit water use by exogenous factors such as housing type, occupation, number of generation, residential area and income et al., difference was shown in bathtub water by housing type and shown in kitchen, toilet and miscellaneous water by numbers of resident. Especially, definite differences in components except washbowl and bathtub water, could be found by numbers of resident. Based on the result, average residents in a house should be carefully considered and the results can be applied as reference information, in decision making process for predicting water demand and establishing water conservation policy. It is expected that these can be used as design factors in planning stage for water and wastewater facilities.

Relationship of Radon-222 and Chemical Composition of Groundwater as a Precursor of Earthquake (지진 전조인자로서 지하수내 라돈 및 화학성분의 상관성 연구)

  • Jeong, Chan Ho;Park, Jun Sik;Lee, Yong Cheon;Lee, Yu Jin;Yang, Jae Ha;Kim, Young Suk;Ou, Song Min
    • The Journal of Engineering Geology
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    • v.28 no.2
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    • pp.313-324
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    • 2018
  • In order to study the earthquake precursor in the Korean peninsula, long-term variations of chemical composition, radon-222, and water level were measured at depths (-60 m, -100 m) in the groundwater monitoring wells of the Daejeon and the Cheongwon area. The pH and electrical conductivity of groundwater in the monitoring wells showed some relationship with the Pohang earthquake. The ${HCO_3}^-$ and $Cl^-$ concentration of groundwater in the Daejeon and $Mg^{2+}$, $Cl^-$ and ${NO_3}^-$ in the Cheongwon showed some relation with the Pohang earthquake. However, it is not distinct to find the relationship between their variation and earthquake. The radon-222 concentration in Daejeon was observed a significant increase from a minimum of 162 Bq/L prior to the earthquake to 573 Bq/L right after the earthquake, that indicating a strong correlation with earthquakes. In the case of groundwater levels, it can not find some correlation between earthquakes and continuous decreasing trend in the monitoring wells of Daejeon and Cheongwon area. However, water level of a national groundwater observation well within 10 kilometers of Pohang epicenter was recorded as an abrupt drop right before the earthquake. Conclusively, although the location of monitoring wells is more than 180 kilometers apart from the epicenter of the Pohang earthquake, the radon gas in groundwater can be considered as a reliable candidate among earthquake precursors. The pH, electrical conductivity, ${HCO_3}^-$ and $Cl^-$ among hydrochemicals showed some correlation with earthquake should be monitored during a longer term to recognize distinctly as a precursor of earthquake.

The Implications and Characteristics of the Policies for Park and Green Spaces in England (영국 공원녹지 정책의 최근 경향과 특성)

  • Kim, Yun-Geum;Choi, Jung-Min
    • Journal of the Korean Institute of Landscape Architecture
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    • v.40 no.2
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    • pp.86-96
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    • 2012
  • Recently parks and green spaces contribute not only as a place of leisure but also for environmental welfare, social education, new jobs and $CO_2$ Emissions Reduction. Parks and green spaces are understood as urban infrastructures like roads and rivers. They are also included in social infrastructures like education, culture, and welfare facilities. These changes are applied to policies for parks and green spaces, many governments and local authorities make investments on them. The modification of policies for parks and green spaces in England is a good example about this trend From this view point, this study now deals with the changing process of policies, results, and evaluation. Some implications have been deducted. The first is the inducement in participation in policies and implementation of practices through policy papers. They are more practical than written laws which are composed of abstract sentences and generalizations. Secondly, the status of parks and green spaces is highly raised with the establishment of CABE Space and so on. This organization controls many different policies and programs related to parks and green spaces. Third is the funding for the improvement of parks and green spaces. Fourth, are the short-term measures, such as funding and management, and the long-term measures such as pursuing building of partnership and training. Fifth, the government strives to establish its partnership with the local authorities and communities through a spectrum of support in terms of information, monitoring, and developing good practices among networks. Finally, parks and green spaces are being addressed from multiple directions through the participation of numerous agents like voluntary groups, development companies, communities and so on. Recently, in Korea, the influences of the Sunset Law for Park Site, Landscape Architecture Law, Urban Forest Law, and other related ordinances have encouraged the review on the policies on parks and green spaces needed. However, there are not many studies about them. Owing to these reasons, the cases of England will he helpful.

Some lessons from German startup policies (독일의 창업정책과 정책적 시사점)

  • Kim, Young-woo
    • Journal of Venture Innovation
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    • v.1 no.1
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    • pp.49-65
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    • 2018
  • For a long time the German economy was primarily defined by large corporations and thriving small and medium-sized enterprises. Since about 2005 a second strand has started to emerge and it is one which is becoming increasingly important and is creating jobs - start-ups in the digital sector. This start-up activity is taking an important role in Germany's economic development: Start-up companies spawn innovations and create jobs, thus promoting the concept of competition. In general "start-up" refers to digitally-driven companies that are not more than five years old. Germany's start-up policy consists of three main parts. First of all, Germany has the characteristics of technology-based start-ups. The Hartz reform since 2002 has shown its focus on technology-based start-ups. In particular, it is the most appropriate for a start-up company to take the role of a new technology company to respond to changes in the global industrial structure. Second, it is approaching from a long-term perspective. In this regard, the small business policy, including Germany's new business policy, is seen as a tradition that can be consistent and can make policy decisions based on the basics rather than following the times. Third, the government is implementing policies centered on demand. Germany's start-up policy is summarized as a technology-based policy and new job creation. The policy response is that the government seeks the best combination of policies by adapting them to the times from the broad trend of employment market policies. What is important here is that policies are made based on consumers, not suppliers, in the process of policy making and implementation. With the Digital Agenda 2020 the Federal government has likewise committed itself to preparing the digital economy for international competition and making Germany the "No. 1 digital growth country in Europe". Ever since 1998 the Federal Ministry for Economic Affairs and Energy (BMWi) has awarded the "EXIST" start-up scholarship to students and graduates. The Ministry also invests in the High Tech start-up fund. Together with Kreditanstalt für Wiederaufbau (KfW) and 18 other investors from the world of business the seed investor promotes young technology companies. Germany offers start-ups a good infrastructure and lots of funding opportunities. Berlin is regarded as Europe's start-up capital and also attracts lots of international young entrepreneurs.