• 제목/요약/키워드: Set product

검색결과 1,327건 처리시간 0.029초

An advanced machine learning technique to predict compressive strength of green concrete incorporating waste foundry sand

  • Danial Jahed Armaghani;Haleh Rasekh;Panagiotis G. Asteris
    • Computers and Concrete
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    • 제33권1호
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    • pp.77-90
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    • 2024
  • Waste foundry sand (WFS) is the waste product that cause environmental hazards. WFS can be used as a partial replacement of cement or fine aggregates in concrete. A database comprising 234 compressive strength tests of concrete fabricated with WFS is used. To construct the machine learning-based prediction models, the water-to-cement ratio, WFS replacement percentage, WFS-to-cement content ratio, and fineness modulus of WFS were considered as the model's inputs, and the compressive strength of concrete is set as the model's output. A base extreme gradient boosting (XGBoost) model together with two hybrid XGBoost models mixed with the tunicate swarm algorithm (TSA) and the salp swarm algorithm (SSA) were applied. The role of TSA and SSA is to identify the optimum values of XGBoost hyperparameters to obtain the higher performance. The results of these hybrid techniques were compared with the results of the base XGBoost model in order to investigate and justify the implementation of optimisation algorithms. The results showed that the hybrid XGBoost models are faster and more accurate compared to the base XGBoost technique. The XGBoost-SSA model shows superior performance compared to previously published works in the literature, offering a reduced system error rate. Although the WFS-to-cement ratio is significant, the WFS replacement percentage has a smaller influence on the compressive strength of concrete. To improve the compressive strength of concrete fabricated with WFS, the simultaneous consideration of the water-to-cement ratio and fineness modulus of WFS is recommended.

편경의 진동모드 분석 (Vibrational Modes of Pyeongeong)

  • 유준희
    • 한국음향학회지
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    • 제25권3호
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    • pp.121-128
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    • 2006
  • 편경은 기역자형 경석 16개로 이루어진 국악기로 1과 1/3 옥타브의 음역을 가지며, 아악에서 표준 악기의 역할을 한다. 편경의 진동모드를 분석하기 위하여 현재 국립국악원에서 연주에 사용되고 있는 편경과 세종대왕기념관에서 소장 중인 편경 유물의 음향 스펙트럼을 분석하였다. 또한 황종과 청협종에 해당하는 경석의 진동모드형태를 가속도계, TV 홀로그램 및 충격망치를 이용하여 분석하였다. 국립국악원 편경의 16개 경석에서 나타난 기명진동수는 경의 두께에 따라 증가하며, 삼분손익법에 따른 음률에 충실하게 조율되었다고 할 수 있다. 세종대왕기념관 편경의 16개 경석에 적혀있는 제작연도를 나타내는 간지는 서로 다르며, 12율려에 맞게 조율되었다고 하기 어렵다. 세종대왕기념관에 소장된 편경의 진동수는 국립국악원 편경과 최소가지차이 (just noticeable difference) 이상의 차이를 나타냈다. 진동모드형태는 경석의 두께와 무관하게 일정하다.

Predictors of massive transfusion protocols activation in patients with trauma in Korea: a systematic review

  • Dongmin Seo;Inhae Heo;Juhong Park;Junsik Kwon;Hye-min Sohn;Kyoungwon Jung
    • Journal of Trauma and Injury
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    • 제37권2호
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    • pp.97-105
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    • 2024
  • Purpose: Massive transfusion protocols (MTPs) implementation improves clinical outcomes of the patient's resuscitation with hemorrhagic trauma. Various predictive scoring system have been used and studied worldwide to improve clinical decision. However, such research has not yet been studied in Korea. This systematic review aimed to assess the predictors of MTPs activation in patients with trauma in Korea. Methods: The PubMed, Embase, Cochrane Library, Research Information Sharing Service databases, KoreaMed, and KMbase were searched from November 2022. All studies conducted in Korea that utilized predictors of MTPs activation in adult patients with trauma were included. Results: Ten articles were eligible for analysis, and the predictors were assessed. Clinical assessments such as systolic and diastolic blood pressure, shock index (SI), prehospital modified SI, modified early warning system (MEWS) and reverse SI multiplied by the Glasgow Coma Scale (rSIG) were used. Laboratory values such as lactate level, fibrinogen degradation product/fibrinogen ratio, and rotational thromboelastometry (ROTEM) were used. Imaging examinations such as pelvic bleeding score were used as predictors of MTPs activation. Conclusions: Our systematic review identified predictors of MTPs activation in patients with trauma in Korea; predictions were performed using tools that requires clinical assessments, laboratory values or imaging examinations only. Among them, ROTEM, rSIG, MEWS, SI, and lactate level showed good effects for predictions of MTPs activation. The application of predictors for MTP's activation should be individualized based on hospital resource and skill set, also should be performed as a clinical decision supporting tools.

환경관심, 환경지식, 소비가치가 업사이클 제품의 구매의도 및 구매행동에 미치는 영향 (The Impact of Environmental Concern, Environmental Knowledge, and Consumer Value on Purchase Intention and Behavior of Up-cycled Products )

  • 전찬호;박상혁;오승희
    • Journal of Information Technology Applications and Management
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    • 제31권1호
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    • pp.123-138
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    • 2024
  • With the increase in online shopping and delivery food consumption since the pandemic, solving environmental problems caused by single-use packaging has become an important issue. 'Upcycling' is a combination of 'Upgrade' and 'Recycle', and it is the rebirth of obsolete or discarded objects by adding new value to them, and there are currently various upcycled products on the market. In order to activate upcycling, consumers' awareness of the environment and their values for consumption are very important. This study aims to investigate the influence of students' environmental concern, environmental experience, and consumption value on their purchase intention of upcycled products. Based on the results of previous studies on environmental concern, environmental experience, and consumption value, hypotheses were set, and a survey was conducted among university students nationwide to test the hypotheses. The results of this study are as follows First, environmental concern has a significant positive effect on purchase intention of upcycled products. It can be seen that the more environmental concerns such as global warming and waste disposal problems increase, the more positive attitudes toward upcycled products increase. Second, the research hypothesis that environmental knowledge will have a positive effect on the purchase intention of upcycled products is rejected. It was found that environmental knowledge is acquired through environmental education and many SNS, but it does not have a direct effect on the purchase intention of upcycled products. Third, it was found that the consumption value of college students has a positive effect on the purchase intention of upcycled products by increasing their positive perception of upcycled products. Fourth, college students' purchase intention of upcycled products has a positive effect on their behavioral intention to purchase upcycled products. The results of the study provide implications for relevant organizations such as universities and companies to effectively design upcycling-related education. It is also expected to have a positive impact on the use of upcycled products by providing basic information on the characteristics of consumers who purchase upcycled products.

버추얼 인플루언서의 특성이 패션제품 구매의도에 미치는 영향: 모방욕구의 매개효과를 중심으로 (The Impact of Virtual Influencers' Characteristics on Purchase Intentions Toward Fashion Products: Focusing on the Mediating Effect of Mimetic Desire)

  • 신하람;염미선
    • 한국의류산업학회지
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    • 제26권1호
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    • pp.1-14
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    • 2024
  • Virtual influencers, who are emerging as new players in digital marketing, impact consumers' purchase intentions. They promote positive perceptions and mimetic consumption of specific brands or products through interactions with followers. Therefore, this study aims to examine the effect of the characteristics of virtual influencers on the purchase intention for fashion products through the consumers' mimetic desire. As characteristics of virtual influencers, five factors were set: reality, attractiveness, professionalism, trustworthiness, and curiosity. Data for analysis were collected through an online questionnaire from the 8th to the 15th of August 2023, and 268 data points in total were analyzed using SPSS and Process Macro 4.3. The results of the study showed that the characteristics of virtual influencers all positively affected mimetic desire and purchase intention for fashion products. Moreover, it was found that mimetic desire has a mediating effect between the five characteristics of virtual influencers and the purchase intention for fashion products. Mimetic desire fully mediates the relationship between reality and the intention to purchase fashion products, and partially mediates the relationship between attractiveness, professionalism, trustworthiness, and curiosity and the purchase intention for fashion products. These findings further enhance the understanding of the relationship between virtual influencers and consumer behavior and identify the relationship between virtual influencers, mimetic desire, and fashion product purchase intentions. Consequently, leveraging virtual influencers strategically in digital marketing, the fashion industry can amplify positive brand perceptions, drive consumer engagement, and ultimately foster increased purchase intent.

과학탐구 실험대회의 문제점 분석 (Critical Analyses of '2nd Science Inquiry Experiment Contest')

  • 백성혜
    • 한국과학교육학회지
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    • 제15권2호
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    • pp.173-184
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    • 1995
  • The purpose of this study was to analyse the problems of 'Science Inquiry Experiment Contest(SIEC)' which was one of 8 programs of 'The 2nd Student Science Inquiry Olympic Meet(SSIOM)'. The results and conclusions of this study were as follows: 1. It needs to reconsider the role of practical work within science experiment because practical work skills form one of the mainstays in current science. But the assessment of students' laboratory skills in the contest was made little account of. It is necessary to remind of what it means to be 'good at science'. There are two aspects: knowing and doing. Both are important and, in certain respects, quite distinct. Doing science is more of a craft activity, relying more on craft skill and tacit knowledge than on the conscious application of explicit knowledge. Doing science is also divided into two aspects, 'process' and 'skill' by many science educators. 2. The report's and checklist's assessment items were overlapped. Therefore it was suggested that the checklist assessment items were set limit to the students' acts which can't be found in reports. It is important to identify those activities which produce a permanent assessable product, and those which do not. Skills connected with recording and reporting are likely to produce permanent evidence which can be evaluated after the experiment. Those connected with manipulative skills involving processes are more ephemeral and need to be assessed as they occur. The division of student's experimental skills will contribute to the accurate assess of student's scientific inquiry experimental ability. 3. There was a wide difference among the scores of one participant recorded by three evaluators. This means that there was no concrete discussion among the evaluators before the contest. Despite the items of the checklists were set by preparers of the contest experiments, the concrete discussions before the contest were necessary because students' experimental acts were very diverse. There is a variety of scientific skills. So it is necessary to assess the performance of individual students in a range of skills. But the most of the difficulties in the assessment of skills arise from the interaction between measurement and the use. To overcome the difficulties, not only must the mark needed for each skill be recorded, something which all examination groups obviously need, but also a description of the work that the student did when the skill was assessed must also be given, and not all groups need this. Fuller details must also be available for the purposes of moderation. This is a requirement for all students that there must be provision for samples of any end-product or other tangible form of evidence of candidates' work to be submitted for inspection. This is rather important if one is to be as fair as possible to students because, not only can this work be made available to moderators if necessary, but also it can be used to help in arriving at common standards among several evaluators, and in ensuring consistent standards from one evaluator over the assessment period. This need arises because there are problems associated with assessing different students on the same skill in different activities. 4. Most of the students' reports were assessed intuitively by the evaluators despite the assessment items were established concretely by preparers of the experiment. This result means that the evaluators were new to grasp the essence of the established assessment items of the experiment report and that the students' assessment scores were short of objectivity. Lastly, there are suggestions from the results and the conclusions. The students' experimental acts which were difficult to observe because they occur in a flash and which can be easily imitated should be excluded from the assessment items. Evaluators are likely to miss the time to observe the acts, and the students who are assessed later have more opportunity to practise the skill which is being assessed. It is necessary to be aware of these problems and try to reduce their influence or remove them. The skills and processes analysis has made a very useful checklist for scientific inquiry experiment assessment. But in itself it is of little value. It must be seen alongside the other vital attributes needed in the making of a good scientist, the affective aspects of commitment and confidence, the personal insights which come both through formal and informal learning, and the tacit knowledge that comes through experience, both structured and acquired in play. These four aspects must be continually interacting, in a flexible and individualistic way, throughout the scientific education of students. An increasing ability to be good at science, to be good at doing investigational practical work, will be gained through continually, successively, but often unpredictably, developing more experience, developing more insights, developing more skills, and producing more confidence and commitment.

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미국(美國) 내셔널브랜드 C사(社)의 마케팅전략(戰略)을 통한 브랜드리뉴얼 성공사례(成功事例) 연구(硏究) (A Study on the Successful Case of Brand Renewal through American National Brand 'C' Company's Marketing Strategy)

  • 고희숙
    • 패션비즈니스
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    • 제6권1호
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    • pp.137-154
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    • 2002
  • It's not easy to renew old brand of over 50 years history to the tastes of new consumer of our time. Most of national brands that has a history of some 20 years in Korea have strove for continuation and growth of brand to no avails, which can be taken as a good example of current situation. For instance, C company, one of the National brand of US which has a history of 51 years, has made its position secure as a fashion group and based itself on a sound foundation by establishing new marketing strategy and completing successful brand renewal in the process of strategic M&A with Italian company. Those successful marketing strategies are as follows. 1) they regarded both market and consumer oriented marketing activity as company's highest priority strategy and put great emphasis upon concentration on target market and reestablishment of brand image of business casual wear. 2) Setting up and operating planning team composed of merchandizer alone in Milano, they set the direction of plan on the basis of concentrated research on potential item in market according to thorough market research done by buying office in Korea, branch office in Hong Kong and buyer in US prior to blueprint planning for season. 3) Great emphasis was placed on business which focused on intensive presentation of basic key item for apparel career women who are main consumer group in the midium-low prices market in US and on supplementation of size and color. they named this line 'collectibles' and helped their customer develop their own clothes plan without worrying about the change of color and fabric by supporting same fabric and color throughout the year and enabled them to add variation easily by supplementing new trend item. 4) Company set black as a main color that lots of apparel career women find easy to care and to express their own image and presented them with pebble which belongs to navy and beige and added fashion color such as wine and brown etc as season goes by. They constructed basic line in order for their customers to coordinate purchased item with new one or to add them to present collection, and to achieve efficient sale by setting up strategy which allows this cross coordination and changing pattern occasionally. 5) Though basic jacket for 99$, short slim skirt for 49$ are products within midium-low prices range, in the material planning stage aiming at production of item that has both resonable function appealing to consumer and is fashionable, synthetic material had to be used as a main source due to price competitiveness. Despite this situation, considering comfortable sense of fit and refined drape of silhouette that has no sign of cheap material, whole collectible line was divided into two items, which contributed to reduction of cost. In case of material that is composed of triacetate and polyester in 70 to 30 ratio, was used up to 4 million yard, which allowed drastic curtailment of cost accompanied by concentration. In case of 'collectibles' line, using Korean material mainly, C company chose to have their product sewed in Southeast Asian countries where transportation is well developed and both productivity and quality verified by operating global production system which aiming at cutdown of cost through outsourcing production from the country where labor cost is low and getting finished product. Polarization between present consumers telling us that consumers with the mind of middle classes in the past no longer exists between consumers who seek after only fine article of highest quality and wise consumers who are sensible enough to judge bubble on correlation between price and quality. To cope with this change in new consumer mind, apparel makes changing their policy so as to produce item that has reasonable quality and falls within affordable price range anywhere in the world. and they're striving to get out of difficult situation by operating global marketing strategy which stresses separation of planning, production and sale and sensibility of fashion shared worldwide. The marketing strategy of C company can be exemplified as a successful one.

대전원교학생대가배점중요성적감지화타문광고가배점지후적만의도지간적차거대타문구매행위적영향(大专院校学生对咖啡店重要性的感知和他们光顾咖啡店之后的满意度之间的差距对他们购买行为的影响) (The Effect of the Gap between College Students' Perception of the Importance of Coffee Shops and Their Satisfaction after Patronizing Coffee Shops on Their Purchasing Behavior)

  • Lee, Won-Ok
    • 마케팅과학연구
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    • 제19권4호
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    • pp.1-10
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    • 2009
  • 本研究的目的是对咖啡店的 "重要性"(顾客在光顾咖啡店以前的感知)和积极或消极的 "满意度"(顾客在光顾咖啡店以后的感受)之间的差距进行分类, 并分析这些差距对对购买行为的影响. 为此, 我使用重要性和满意度之间的差距作为选择咖啡店的解释变量, 并通过使用有序Probit模型(OPM)来实证分析差距对购买行为(整体满意度和愿意到再次光顾)的影响方向和大小. 先前使用IPA的研究评估了差距影响的方向和大小的象限, 但是在分析差距对顾客的影响方面却失败了. 在本研究中, 我评估了积极和消极的差距对顾客满意度和愿意去再光顾的影响. 通过使用OPM,我量化了积极和消极的差距对顾客整体满意度和愿意去再光顾的影响. 每个人的支出, 光顾的频率和购买咖啡的地方对顾客整体满意度有最积极的影响. 光顾的频率, 在每人的支出之后, 然后是购买咖啡的地方对顾客整体满意度有最积极的影响. 因此每个人的支出和光顾的频率对顾客整体满意度有最积极的影响. 这一发现意味着一个在咖啡店每次或每周花费5000韩元的顾客的实际的满意度越高(差距), 其整体满意度和愿意去再光顾就越高. 虽然经济效益对总体满意度和愿意去再光顾有显著影响, 但是大专和大学的学生仍然愿意去咖啡馆并愿意消费5000韩元, 因为他们不只是购买咖啡本身而且将咖啡店作为其他活动的场所, 例如工作, 和朋友见面或是放松的地方. 学院和大学的学生还可以在咖啡店通过个人电脑上网, 看电影, 学习, 因此, 咖啡馆应对顾客提供适当的设施和服务. 咖啡店品牌的积极差距对愿意去再光顾有积极的影响表明顾客满意度越高, 顾客越愿意去再光顾. 另一方面, 这一因素的消极差距意味着顾客满意度越低, 顾客再光顾的意愿也越低. 因此, 在本研究中, 与其他评估的因素相比, 品牌因素对满意度有较大的影响. 鉴于国内咖啡文化变得越来越高级, 大专院校的学生对这一趋势也很敏感, 所以学生有很多可选择的品牌. 在韩国最高级的咖啡店, 外墙是玻璃建造的并可以打开, 内部是充满异国情调的开放式厨房. 这些高级咖啡店作为标志的功能复合大专院校学生的品味. 韩国咖啡店已成为一个文化品牌. 从品牌因素来看, 为了让顾客觉得这些咖啡店是高级的, 高质量的设备和提供更好服务的措施应当建立起来. 韩国咖啡馆作为蓬勃发展的行业品牌竞争加剧的结果表明, 提供与竞争对手不同的额外服务是有必要的. 顾客可以免费使用扫描仪. 另一个可以用来提高品牌的战略是提供和经营为集体学习而准备的讨论会议室. 如果咖啡馆采取这些类型的策略, 学院/大学的学生将更有可能认为他们承担的费用是值得的, 随后, 他们将可能更满足这些咖啡馆的品牌, 并更愿意再次光顾. 性别和学习年数对总体满意度和再光顾的意愿有最消极的营销. 女学生比男学生更容易满足和再光顾. 三, 四年级的学生比一, 二年级的学生更容易满足和再光顾. 喝咖啡的学生, 单独在咖啡店看书, 用笔记本电脑是很容易被注意到的. 高年级学生为了有效地利用时间用于自我发展和寻找工作往往独自光顾咖啡店. 从积极的差距来看, 经济效率这一因素对总体满意度和愿意再光顾有最大的影响. 与咖啡价格一起, 学生实际满意度(差距)越高, 总体满意度和再光顾的意愿也越高. 有消极差距的经济效率队再光顾有消极营销的结果表明较小的消极差距可以让再光顾的意愿更高. 在持续恶化的市场环境中, 坐落在大专院校附近的咖啡店采取诸如积分或会员卡, 和信用卡 公司的战略联盟, 发展套餐菜单或季节菜单和免费咖啡服务这些战略来提高竞争力. 就消极差距而言产品功率也有消极的影响, 这表明较高的负差距会导致较低的再光顾的意愿. 因为还有更多的客户比前几十年, 在这十年里更喜欢咖啡, 新一代的客户, 即学院/大学的学生, 希望除了咖啡还有更重菜单项目. 因此, 咖啡店应当增加配菜项目, 如华夫饼, 糕, 蛋糕, 三明治和沙拉. 例如, 星巴克韩国正在努力加强卖草莓糕, 艾草香味, 南瓜产品, 并提供免费的咖啡或奶油. 总而言之, 咖啡馆应注重提高其经济效率, 品牌和产品功率, 以加强大专院校学生的满意度. 由于店铺毗邻学大专院校可享受地缘优势, 就经济效率, 品牌和产品功率而言提供不同的服务, 很可能会提高客户满意度和回访. 咖啡厅的品牌, 因此, 应不断创新和变化, 以满足顾客的愿望. 由于这项研究只是针对在首尔的大专院校的学生, 需要针对不同地区和年龄组的比较研究来概括本研究的结果和建议.

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지각된 품질요인이 고객충성도에 미치는 영향: PB와 NB간의 차이분석 (The Effects of Perceived Quality Factors on the Customer Loyalty: Focused on the Analysis of Difference between PB and NB)

  • 예종석;전소연
    • 한국유통학회지:유통연구
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    • 제15권2호
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    • pp.1-34
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    • 2010
  • 소비자의 구매 행위가 합리적이고 실용적인 방향으로 변화하는데 힘입어 할인점업계는 급속한 외형적인 성장과 함께 경쟁도 치열하다. 따라서 업계는 그 해결책으로 차별화와 수익성을 동시에 실현 시킬 수 있는 유통업체 브랜드(PB: Private Brand) 개발에 사활을 걸고 있다. 또한 치열한 경쟁 환경 하에서 생존하기 위해서는 고객만족을 넘어서 고객충성도를 높이는 것이 효과적인 방법임이 밝혀짐에 따라 PB가 고객충성도를 제고시키기 위한 전략적인 도구로 사용되고 있다. PB 이용 고객의 충성도를 높이려면 우선 고객집단의 특성을 파악해서 소비자가 지각하는 품질수준을 우선적으로 맞춰줘야 고객만족과 고객신뢰를 얻을 수 있고 결과적으로 고객충성도로 유도할 수 있다. 이에 본 연구는 지각된 품질에 영향을 미치는 선행요인과 고객충성도에 영향을 미치는 변수들 간의 관계에 대한 체계적인 분석결과를 제시하기 위해 선행연구에서 검증된 인과관계를 기반으로 연구모형과 연구가설을 설정했고, 주요 연구결과는 다음과 같다. 기업명성, 브랜드명성, 제품경험, 브랜드친숙도가 높을수록 지각된 품질이 높아지고, 지각된 품질이 높을수록 고객만족, 고객신뢰, 고객충성도가 높아지며, 고객만족과 고객신뢰가 높을수록 고객충성도가 높아지는 것으로 조사되었다. 또한 기업명성이 지각된 품질에 미치는 영향력은 PB가 NB보다 높게 나타난 반면 브랜드명성과 브랜드친숙도가 지각된 품질에 미치는 영향력은 NB가 PB보다 높게 나타났다. 이러한 실증분석 결과는 지각된 품질에 영향을 미치는 선행요인과 결과요인에 대한 보다 명확한 이해를 바탕으로 실무자가 마케팅 활동을 하는데 유용하게 활용할 수 있을 것이다.

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금융(金融)의 전업(專業) 및 겸업화(兼業化) 이론(理論): 금융산업조직론(金融産業組織論)의 모색(摸索) (A Theory on the Scope of Financial Activity)

  • 좌승희
    • KDI Journal of Economic Policy
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    • 제13권1호
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    • pp.167-197
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    • 1991
  • 최근의 세계금융산업(世界金融産業)은 이종금융업무간(異種金融業務間)의 통합(統合)(겸업(兼業))과 동시에 이와는 반대로 개별업무(個別業務)의 분할현상(分割現象)을 동시에 같이 경험하고 있는데, 본고(本稿)는 이러한 금융산업조직(金融産業組織)의 내생적(內生的) 재편현상(再編現象)을 체계적으로 설명할 수 있는 금융산업조직이론(金融産業組織理論)을 모색하는 데 그 목적이 있다. 기존의 전문화(專門化)와 겸업화이론(兼業化理論)을 통합한 잠정적 분석체계는 대체로 다음과 같은 시사점을 주고 있다. 첫째로, 독자적으로는 규모(規模)의 경제(經濟)가 강하고 여타 업무와는 범위(範圍)의 비경제하(非經濟下)에 있거나 범위(範圍)의 경제(經濟)가 약한 업무는 기존 업무세트에서 분할(分割) 전문화(專門化)될 것이다. 둘째로, 여타업무와는 범위(範圍)의 경제(經濟)가 강하면서, 독자적으로는 규모(規模)의 비경제하(非經濟下)에 있거나 혹은 규모(規模)의 경제(經濟)가 약한 업무는 겸업(兼業)될 것이다. 셋째로, 자유금융하(自由金融下)의 경쟁금융산업균형(競爭金融産業均衡)은 겸업기업(兼業企業)과 전업기업(專業企業)이 공존하는 혼합균형(混合均衡)이 될 것이다. 넷째로, 금융산업조직(金融産業組織)의 국가별 차이는 금융시장(金融市場) 및 수요규모(需要規模)의 차이에 의해 결정되며, 최근 진행되고 있는 금융(金融)의 세계화(世界化) 국제화(國際化)는 각국이 직면하게 될 금융시장(金融市場)의 규모를 균등화시킴으로써 장기적으로 각국 금융산업조직(金融産業組織)의 동질화(同質化)를 촉진시킬 것이다. 다섯째로, 금융제도(金融制度)에 대한 인위적 규제가 없다면 겸업주의(兼業主義) 은행제도(銀行制度)는 금융시장(金融市場)의 규모(規模)가 상대적으로 작은 경제에서, 전업주의(專業主義) 은행제도(銀行制度)는 금융시장의 규모가 상대적으로 큰 경제에서 주로 관찰되게 될 것이다. 본고(本稿)는 이러한 시사점들을 응용하여 주요국에 있어서의 전업주의(專業主義)와 겸업주의(兼業主義) 은행제도(銀行制度)의 역사적 변천과정을 각국 금융시장규모(金融市場規模)의 변천과정에 의해 설명하고, 현재 구조변화(構造變化)를 경험하고 있는 세계각국(世界各國) 금융산업조직(金融産業組織)은 장기적으로 구조가 동질화(同質化)되면서 혼합균형상태(混合均衡狀態)로 이행해 나갈 것으로 전망하고 있다.

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