• 서비스연구
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• 제14권2호
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• pp.117-137
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• 2024

ESG는 모든 기업에게 선택이 아닌 필수 사항이 되었으며, 국내 주요 은행들도 ESG 경영을 적극적으로 실천하고 있다. 은행은 ESG 내부활동 뿐만 아니라 자금공급의 중개자로 ESG 금융을 제공하는 역할을 수행하고 있다. 최근에는 디지털 신기술과 결합하여 친환경 활동 수행 시 우대금리를 제공하는 ESG 금융상품을 출시하고 있다. 그러나, 무분별한 우대금리 제공은 은행의 수익성에 악영향을 미칠 수 있으며, 환경인식 개선에 실질적으로 기여하지 못할 경우 그린워싱(Greenwashing) 문제에 직면할 수 있다. 이에 본 연구는 전기 절약과 연동된 ESG 디지털 적금상품을 연구 대상으로 선정하고, 가입자의 실제 데이터를 통하여 소비자의 환경인식과 저축행동을 실증적으로 분석하였다(표본수 2,478개). 본 연구의 주요 결과는 다음과 같다. 첫째, ESG 디지털 적금상품의 가입 현황을 분석한 결과, 30~50대가 주요 고객층으로 나타났으며, MZ세대는 다른 세대에 비해 전기 절약 실천을 통한 우대금리 달성에 있어 상대적으로 높은 성과를 보였다. 둘째, 소비자의 환경인식은 ESG 금융상품의 목표 달성에 유의한 영향을 미치는 것으로 나타났다. ESG 디지털 적금상품은 저축의 기본 기능에 충실함과 동시에 환경인식을 높이는 데 기여할 수 있음이 확인되었다. 셋째, 환경인식은 소비자의 저축 납입행동을 유도하지 못했으며, 이는 지속적인 소비자 관여가 필요함을 시사한다. 본 연구는 환경인식(Environmental Awareness)과 저축행동이론(Theory of Saving Behavior)을 기반으로 ESG 금융상품의 목표 달성에 미치는 소비자 인식 및 행동을 학문적으로 설명하였다. 연구의 결과는 ESG 금융상품의 우대금리 설계의 적정성이 중요함을 시사한다.

• 가정과삶의질연구
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• 제25권2호
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• pp.23-36
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• 2007

Or this research, it was investigated the differences in the pro-environmental behaviors in purchase, use and management, and disposal of clothing by socio-demographic characteristics and other variables. In addition, it was classified Korean consumers into several comsumer groups based on the different purchase behavior style, and then investigated the difference among these consumer groups in purchase, use and management, and disposal of clothing in light of the pro-environmental behavior. The following is the summary of the main results. First, consumers with high income and ha41g a lot of clothing were less likely to purchase used-clothing while consumers who were non-married and in low-income status were more likely to rent clothing. In additions, female, married consumers, and consumers with less-educated were more likely to manage their clothing frequently. Second, it was classified consumers into several groups based on the different purchase behavior style, these were "rational purchasing", "saving-money purchasing", "regretting for their purchasing", and "over-purchasing". Third, "saving-money purchasing" group showed a high expenditure rate in the purchase of used-clothing but a low rate in "over-purchasing" group. The frequency of management of clothing was the highest in the group of "over-purchasing" and the next in the group of "saving-money purchasing". The group of "over-purchasing" were more likely to show irrational decision-making style, manage and disposal their clothing frequently, "saving-money purchasing" purchased used-clothing frequently, and the level of management of clothing were less in the group of "regretting for their purchasing".

• 한국인구학
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• 제8권2호
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• pp.93-99
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• 1985

There have been numerous studies in Korea and other countries of which the major hypotheses are identifying and dearibing the conditions under which the value of children has been formed. The present study proposes to view the formation of the value of children as a correlate of family's consumption-saving and work4eisure behavior pattern. The objectives of the proposed study are to identify the socio-economic and demographic factors determining the family's consumption-saving and work-leisure behavior pattern and to analyse the relationship between the value of children and this behavior pattern. The conceptual framwork of the analysis is that an individual family's socio-economic and demographic factors influence and shape the consumption-saving and work-leisure behaviors and these behaviors in turn influence and reflect the correlates and proximate determinants of the family'sfertility. In this paper, regression model is used to analyse the hypothesized relationship among the various variables. The regression methods used are first and second stage multiple regressions. In addition, MONOVA has been used to show the interactions. Data used are collected from the government publicactions. The major findings from this study are as follows: As the living Standard improves, n individual family's consumption of necessities and its working hours decline, while savings and leisure activities increase. The phenomena result in the fertility reduction as can be seen in the more developed conntries. Child-bearing and rearing activities are found to be the important component to determine the condumption-saving and work-leisure activies. The married women's labor participation, and the investment in education and health are also found to be the factors reducing fertility rate.

• Journal of Communications and Networks
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• 제18권4호
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• pp.610-618
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• 2016

A green cognitive radio network (CRN), characterized by base stations (BSs) that conserve energy during sleep periods, is a promising candidate for realizing more efficient spectrum allocation. To improve the spectrum efficiency and achieve greener communication in wireless applications, we consider CRNs with an long term evolution advanced (LTE-A) structure and propose a novel energy-saving strategy. By establishing a type of preemptive priority queueing model with a single vacation, we capture the stochastic behavior of the proposed strategy. Using the method of matrix geometric solutions, we derive the performance measures in terms of the average latency of secondary user (SU) packets and the energy-saving degree of BSs. Furthermore, we provide numerical results to demonstrate the influence of the sleeping parameter on the system performance. Finally, we compare the Nash equilibrium behavior and social optimization behavior of the proposed strategy to present a pricing policy for SU packets.

• KDI Journal of Economic Policy
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• 제26권1호
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• pp.105-140
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• 2004

Korea is entering the class of aging population nations. This paper investigates the extent demographic factors and the aging population affect the saving rate, using an extended life-cycle/permanent-income hypothesis on saving. The results of the tests with Korean household survey data from 1977 to 2002 reveal that real saving rates increase when the duration of lifetime and per household real disposable income rise, and decrease when the growth rate of income and net worth-to-GDP ratio rises. The growth rate of per household real disposable income has negative effects, suggesting that households calculate their life cycle income in a forward looking manner. The elasticities with respect to a change in the lifetime horizon and the growth rate of per household income are 0.58 and -0.03, respectively. A one percent rise in the net worth to GDP ratio reduces the saving rate by 0.3 percent. A one percent rise in per household income increases it by 0.33 percent. The younger-age and the elder-age dependency ratios have insignificant effects on the household saving rate behavior. When Korean life expectancy rises, the private saving rate declines modestly and the government saving rate declines substantially. The economy's real net saving rate declines from 33 percent in 2002 to 30 percent by the year 2030.

• 산업진흥연구
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• 제1권1호
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• pp.123-128
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• 2016

본 연구는 가정의 물 절약 및 절수제품 사용에 대한 인식이 절수제품 구매의도에 미치는 영향을 분석하였다. 연구결과 절수제품 구매의도에 유의한 영향을 미치는 요인은 가정에서 물 절약 필요성 인식(p<.001)과 절수제품의 절수효과 만족도(p<.01)로 나타났다. 또한 응답자의 직업, 가정의 물 절약이 가장 필요한 부문, 가정에서 물 절약을 위해 가장 노력하는 부문, 절수효과가 가장 높은 제품 인식, 절수제품의 단점 인식에 따른 절수제품 구매의도의 집단 간 차이로 나타났다. 본 연구는 가정의 물 절약 필요성 인식과 절수제품의 절수효과 만족도가 절수제품 구매의도에 유의한 영향을 미침을 밝힘으로써 물 절약 및 절수제품에 대한 인식이 물 절약을 위한 적극적 행동의지에 미치는 효과성을 검증한 데에 그 의의가 있다.

• 한국주거학회논문집
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• 제24권3호
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• pp.37-44
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• 2013

As household energy consumption has increased, serious environmental problems, such as resource depletion and global warming, are becoming global issues. It is essential to conduct the energy use of residents living in apartments in order to come up with alternative solutions for energy savings. Therefore, this study examined the energy use awareness of apartment residents and their energy use behavior by various types of awareness. To understand their energy use behavior according to the awareness of the subjects, the energy awareness dimension was created with five factors and they were subject to a cluster analysis; then, the subjects were categorized into three groups. Finally, the difference of energy use behavior was examined by groups of energy awareness. G1 represents the group that is indifferent to energy savings and believes that convenience is an important factor. Also, with respect to energy use behavior, this group tends to pursue convenience. G2 is the group that is conscious of energy use costs thereby enduring some inconvenience, and shows savings behavior in daily life and household affairs. Although, G3 is very aware of the significance for the necessity of energy saving, their energy saving behavior is relatively negative. Regarding these different characteristics of each resident group in their energy saving awareness and behaviors, diverse methods and promotion in energy education are required. Furthermore, an effective energy policy should be established based on the understanding of energy consumption.

• 환경정책연구
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• 제8권4호
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• pp.51-73
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• 2009

오늘날 환경교육의 중요성이 대두되고 있음에도 불구하고 환경교육이 에너지 절감 또는 쓰레기 절감에 미치는 정량적 효과에 대한 연구는 거의 전무한 실정이다. 본 연구는 환경교육이 집중적으로 행해지는 집단과 일반적으로 행해지는 집단의 에너지 및 쓰레기 절감 효과를 정량적으로 분석한다. 본 연구의 분석결과, 환경교육의 강화는 에너지 절감 및 쓰레기 절감에 부분적으로 긍정적인 영향을 미치는 것으로 나타났다. 구체적으로 환경교육이 집중적으로 이루어진 학생들 가정에서의 제 요금 및 학교에서 남기는 음식의 양이 일반적인 환경교육이 이루어지는 학생들 가정에서의 제 요금 및 학교에서 남기는 음식의 양보다 유의하게 낮은 것으로 나타난다. 본 연구의 결과는 에너지 절감 및 쓰레기 절감을 위해 환경시범학교 등과 같은 다양한 환경교육 정책의 강화가 필요하다는 것을 보여준다고 할 수 있다.

• 토지주택연구
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• 제4권4호
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• pp.395-406
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• 2013

본 연구는 주택점유형태별 주택에너지의 소비 및 절약의식, 사용형태와 향후 주택에너지 절감을 위한 정책방향을 파악하고자 한다. 분석결과는 다음과 같다. 첫째, 점유형태별로 평균값의 차이가 존재하는 것으로 나타났다. 둘째, 자가, 민간 임대 및 공공임대 거주자는 에너지 소비 및 절약의식을 잘 실천하고 있었다. 셋째, 에너지절약행위항목에서 자가주택과 임대주택거주자의 행위에 있어서는 행동의 차이가 존재하였다. 마지막으로 향후 정책방향은 소비자 중심의 인센티브 방안이 더 효율적이고 효과적으로 활용될 것이다.

• 대한가정학회지
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• 제34권5호
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• pp.183-196
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• 1996

The purposes of this study were to review the effects of textiles production on the environment, and to investigate the environmental consciousness and environmental preservation behavior of textile producers. This study was conducted by reference analysis and empirical research. To develope theoretical framework of dimensions of environmental behavior, references concerned were analyzed. And for empirical study, researcher developed a questionnaire based on the free writing by producers and references. The questionnaire included problems about environmental consciousness, environmental behavior, demographic variables, and environmental variables. 135 questionnaires were used for final data analysis. ANOVA and factor analysis were used. The results were as follows: First, the level of global environmental problem consciousness was relatively high. The conscious level of water pollution caused by the waste water from textile mills was the highest, and that of desertation of mountain caused by timber cutting was the lowest. The effects of textile dyers and finishers on the environment were the highest, and that of designers were the lowest. Second, the results of reference analysis showed that the dimensions of textile producers environmental behavior were resource and energy saving, solid waste reduction, and green product production. And the results of empirical study were resource and energy saving, resource reuse or recycling, solid waste reduction, and green product production, and total variances was 62.3%. The practice was the lowest. Third, global environment problem consciousness, environment problem consciousness caused by the textile life-cycle concerned, and clothing seperate-collection or not at residing place were effective on environmental behavior, and 52.45% of environmental behavior was explained with above variables.