• 제목/요약/키워드: World Bank

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금융기업의 관계지향적 소셜 미디어 마케팅 성공 전략 -IBK 기업은행 사례를 중심으로 (Relationship-oriented Social Media Marketing Strategy in Banking Service Company - Focusing on Industrial Bank of Korea)

  • 노은직;김보영
    • 한국콘텐츠학회논문지
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    • 제12권1호
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    • pp.460-475
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    • 2012
  • 금융계는 고객과 기업 간의 거래관계가 타 산업에 비해 경직되어 있고, 기업의 조직문화 또한 보수적 성향이 강하게 나타난다는 특징을 가진다. 그러나 고객 서비스와 디지털 미디어 채널이 다양화되는 시장환경의 변화 안에서 금융기업들은 과거와는 다른 적극적인 고객지향적 입장에서 어떻게 소셜 미디어 마케팅을 전략적으로 활용할 수 있는지를 고민하고 있다. 이에 본 연구는 관계지향적 소셜 미디어 마케팅을 성공적으로 추진하고 있는 IBK 기업은행의 사례를 통해 소셜 미디어 마케팅의 성공 요인을 밝히고, 이를 통해 금융기업들의 성공적인 소셜 미디어 마케팅 활용 방안을 제안하고자 한다. 본 연구에서는 '신뢰구축(Trust)', '감정이입(Empathy)', '가치공유(Shared Value)', '유대(Bonding)', '고객 커뮤니케이션(Communication)', '상호의존(Reciprocity)'로 구성된 6가지 관계지향적 서비스 요인을 통해 은행의 체계적이고 효과적인 관계지향적 소셜 미디어 마케팅 전략에 대한 구체적인 시사점이 논의된다.

A Study on the Problems and Countermeasures Relative to Negotiation Clause under L/C Transactions in the UCP 600

  • Kim, Dong-Chun
    • Journal of Korea Trade
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    • 제24권4호
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    • pp.49-70
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    • 2020
  • Purpose - The UCP is recognized as the governing law for L/C transactions, but it covers only the general details of the transaction and does not cover all complex practices. In view of this limitation, this paper examines a negotiation transaction which is most actively utilized in L/C transactions via a thorough review of the UCP provisions, analyzes the problems of the negotiation clause in the UCP, and suggests appropriate countermeasures to deal with unnecessary litigation costs. By doing so, the parties involved in the negotiation transaction would be able to avoid financial costs such as having to pay for lawsuits. Design/methodology - The present study first differentiates the general types of L/Cs (e.g., sight payment L/C, deferred payment L/C, acceptance L/C, and negotiation L/C), explains and the Article 2 and Article 12(b) of the UCP 600 where the term 'negotiation' is used, digs into the drawbacks of 'negotiation' occurring under the UCP 600, and discusses solutions to the problems found by analyzing the drawbacks descriptively. Findings - After a review of the UCP provisions on negotiation in detail, several possible problems which may occur in practice were discovered. First, as the UCP stipulates, the negotiating bank will want to delay payment to the maximum extent possible and make payment on the banking day on which the issuing bank reimburses the amount. This may lead the beneficiary towards bankruptcy or put it in financial crisis. Second, when a fraudulent transaction occurs, the negotiating bank can neither request the issuing bank to reimburse nor can it exercise its recourse right against the beneficiary because it has obtained all the rights of the beneficiary by purchasing the documents. Third, there is a practice in which the beneficiary sells the documents to its transaction bank which is not the nominated bank if the nominated bank specified in the credit is located in a third country or the exporter has no relationship with the nominated bank in the credit. In this case, whether to accept this and reimburse the non-nominated negotiating bank entirely depends on the issuing bank's decision even though such practice frequently occurs in Korea. Originality/value - There has been little research effort pertaining to negotiation transactions in detail even though negotiation L/C transactions account for around 70% in world trade notwithstanding deferred payment L/Cs and acceptance L/Cs that are also negotiated in practice. Thus, if the negotiations clause under the UCP 600 provisions were reviewed and the drawbacks of the negotiation transactions most actively used in L/C transactions were identified and examined, specific countermeasures could ultimately help smoothen the operation of L/C transactions and prevent financial losses.

세계은행 엔지니어링 사업의 국가별 경쟁력 분석을 통한 해외 진출 전략 구축에 관한 연구 - 베트남 사업을 중심으로- (Formulating International Entry Strategies for World Bank Consulting Projects Through Country-level Competitive Analysis: A Vietnam Case Study)

  • 구본상;신병진;유영수;정재원
    • 한국건설관리학회논문집
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    • 제18권4호
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    • pp.57-66
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    • 2017
  • 본 연구에서는 세계은행 오픈데이터베이스에 수록된 베트남 설계부문 사업 1,466건에 대한 4,715건의 입 낙찰 데이터를 수집하고 이를 토대로 국가별 경쟁력을 비교 분석하여, 국내 엔지니어링 기업의 성과를 파악하고 향후 진출 전략을 제시하고자 하였다. 분석 결과 국내 기업은 낙찰성공률이 30.23%로 선진국 수준으로 높았으며 이는 기술경쟁력을 높이 평가해준 것에 기인한 것으로 드러났다. 반면, 가격경쟁력은 중국 및 인도와 같은 개발도상국에게 뒤쳐진 것으로 나타났다. 'Skitmore' 기법을 활용하여 입찰 경쟁력을 평가한 결과, 국내 기업은 중규모 사업에서 우위를 점하고 있으며, 선진국과 개발도상국 사이에 위치하여, 전형적인 '샌드위치 현상'을 보였다. 이를 종합해봤을 때, 1) 서비스형태 중 기본 및 상세 설계 분야로의 확대가 필요하며, 2) 가격경쟁력을 높이기 위해 현지기업과 제휴 확대 및 IT기술을 통한 생산성 증대, 그리고 3) 선진국형 경쟁력 모델을 지향할 필요가 있다.

불평등과 기업가적 활동의 관계 연구 (Inequality and Entrepreneurial Activity)

  • 황병호;김도현
    • 벤처창업연구
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    • 제13권3호
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    • pp.1-12
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    • 2018
  • 본 연구는 불평등과 기업가적 활동, 특히 창업활동의 관계를 분석하였다. 이를 위해 기업가적 활동을 국가수준에서 조사한 GEM (Global Entrepreneurship Monitor), 각 국가별 불평등 데이터인 WIID (World Income Inequality Database), World Bank에서 조사한 국가별 경제 데이터를 사용하여 불평등과 기업가적 활동의 관계를 실증 분석하였다. 그 결과, 불평등이 높은 국가에서 창업활동이 활발하다는 점을 확인할 수 있었다. 불평등과 창업활동의 관계에서 국내총생산(GDP)이 양의 조절효과를 가진다는 것도 확인되었다. 또한 소득 수준별 창업활동의 양상을 확인한 결과 저소득 계층에서 생계형 창업의 빈도가, 기회형 창업의 빈도는 고소득 계층에서 높다는 점도 나타났다. 본 연구는 불평등이 기업가적 활동을 가속화 할 수 있다고 추측할 수 있는 한 근거가 될 수 있다. 다만 보다 명확한 결론을 내리기 위해서는 향후 연구에서 좀 더 정밀한 연구 설계와 이에 따른 실증분석이 축적되어야 한다는 점은 분명하다.

국제기구 및 국가 개발 사회자본 측정도구 비교 (A Comparison of Social Capital Tools Developed by International Institutes and Nations)

  • 김은미;배상수
    • 농촌의학ㆍ지역보건
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    • 제37권3호
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    • pp.111-130
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    • 2012
  • Objective: The purpose of this study was to identify and compare social capital measurement tools for the convenient use in public health studies. Method and result: This study examined and compared social capital tools developed individually by the World Bank, the OECD, the United States, United Kingdom, Canada, Australia, Ireland, and Korea. A comprehensive framework was constructed with six conceptual dimensions and sixteen indices. The six dimensions included Membership, Network, Trust, Information and communication, Social and civic participation, and Social cohesion and exclusion, which connoted the structural, cognitive, bonding, bridging, operative, and output elements. The indices of each tool were respectively matched to the indices of the comprehensive framework. The comprehensive tools were Integrated Questionnaire for the Measurement of Social Capital (SC-IQ) of the World Bank with 27 questions and the European Social Survey (ESS) of the OECD with 80 questions. Conclusion: The SC-IQ should be utilized in public health studies due to its simplicity yet comprehensiveness as a social capital tool. The ESS should also be considered as a comprehensive tool.

Tourism and CO2 Emissions: A Case Study of Selected South Asian Countries

  • AHMAD, Waheed;MAJEED, Muhammad Tariq;NAZ, Ayesha;ANDLIB, Zubaria;TANVEER, TANVEER
    • Asian Journal of Business Environment
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    • 제10권4호
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    • pp.21-27
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    • 2020
  • Purpose: The present study examines the effects of tourism on carbon dioxide emissions for selected South Asian economies over the time from 1995 to 2016. Research design, data and methodology: The present study is an annual time series analysis of tourism and CO2 emissions. The data is taken from World Development Indicators, an official data bank of World Bank. The study sample covers four South Asian countries, namely Bangladesh, India, Pakistan, Sri Lanka and Nepal. The empirical analysis is conducted by employing Pedroni panel cointegration, Fully Modified OLS, and Dynamic OLS approaches of estimation. Results: Tourism significantly increases environmental degradation in selected South Asian economies. The empirical estimated results indicate, that 1 % increase in tourism related activities leads to 0.16 % increase in CO2 emissions. In addition energy consumption and GDP are also causing an upsurge in CO2 emissions in the selected panel of South Asian economies. As the empirical results indicate that 1% increase in GDP stimulates carbon dioxide emissions by 0.23%. Conclusion: In order to protect the environment, the study emphasizes that sustainable tourism practices need to be promoted in the selected South Asian countries. Policy implication and provided and discussed.

추심결제(D/P, D/A)방식에서의 위험관리에 관한 연구 (A Study for risk management on Documentary Collection(D/P, D/A) Payment)

  • 곽수영
    • 통상정보연구
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    • 제10권2호
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    • pp.283-304
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    • 2008
  • According to globalization and localization of world economics international trade payment method was also changed. A traditional payment was Letter of Credit basis, however it is being increased to various methods such as remittance, documentary collection(D/P, D/A) and open account. In order to acquire a secure export payment, exporters prefer to L/C basis which is guaranteed by a reliable bank. However, the L/C should bear a security so that importers would rather documentary collection than L/C. The reasons for the preference of collection payment rather than L/C are a low commission cost, the conversion of buyer's market from seller's market due to severe competition in the world market, transaction increase between main office and branches and a right to control the goods until executing the payment by exporters. Besides of them, collection payment can handle safer and faster than open account basis. However, the collection payment has a risk which it isn't guaranteed by bank for the payment so that I would suggest countermeasures to minimize the payment risk utilizing the collection basis as follows; using export credit insurance system, a large domestic credit report provider such as D&B for absolutely fresh and new information, a collection proxy service for overseas deferred credit and suggestion specifying to order B/L not straight one on consignee in order to transfer the right of ownership with endorsement without problem.

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Evaluation and Comparison of Bank Efficiency in Cross-Strait after ECFA

  • LIAO, Chang Sheng
    • The Journal of Asian Finance, Economics and Business
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    • 제7권10호
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    • pp.783-793
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    • 2020
  • The purpose of this study is to investigate whether the ECFA impacted the efficiency of banks in China and Taiwan from 2008 to 2017. This study follows Seiford and Zhu (2002), who recommend using the standard data envelopment analysis model to measure performance by increasing the desirable outputs and decreasing the undesirables. The finding was that overall technical efficiency increased from 2012 to 2017, reaching 0.575, 0.652, 0617, 0.689, 0.701 and 0.74, respectively. This result implies bank efficiency did indeed improve after China and Taiwan signed the ECFA cooperation agreement. The study found that the mean technical efficiency was 0.8756 in China, greater than Taiwan's mean of 0.3511, implying that Chinese banks experienced a greater increase in efficiency after signing the EFCA. One possible reason explored in this study is that China's economy is currently growing at the highest rate in the world, and the banks' efficiency has benefited from greater economic growth. This suggests that cross-strait sustained negotiations to consummate an agreement on trade in the services will be a very important mission in the future. This result also provides significant evidence suggesting that not accounting for undesirable output while estimating the evolution of the model may seriously distort efficiency results.

북한을 포함한 국가 별 수자원 취약성 지수 산정 (Assessment of Water Resources Vulnerability Index Including North Korea)

  • 송재열;정은성;정성훈
    • 한국수자원학회:학술대회논문집
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    • 한국수자원학회 2015년도 학술발표회
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    • pp.642-642
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    • 2015
  • 최근 지속가능한 개발을 위한 연구와 수자원 취약성에 대한 논의가 활발히 이루어지는 가운데, 북한의 수자원에 대한 관심 또한 증가하여 다방면으로 연구가 진행되고 있다. 본 연구는 북한 자료의 확보가 가능한 World Bank 자료를 바탕으로 Pressure-State-Response 구조에 따라 선정된 14개의 지표를 이용하여 168개 국가를 대상으로 수자원 취약성 분석을 수행하였다. 의사결정을 위한 가중치 결정은 객관적 가중치 산정방법인 Shannon의 entropy 기법을 이용하였으며, 정량적 평가를 위하여 TOPSIS (Technique for Order Preference by Similarity to Ideal Solution) 기법을 적용하여 국가 별 수자원 취약성을 지수화하고 취약성 순위를 도출하였다. 각 지표별 Positive Ideal Solution과 Negative Ideal Solution의 거리를 산정한 후 상대근접도계수를 산정하였으며, 상대근접도계수가 작은 국가일수록 수자원이 취약한 국가가 된다. 연구결과 북한은 168개 국가 중 17위, 우리나라는 67위로 나타났으며, 대체적으로 남 북한의 수자원 취약성이 취약한 가운데 북한이 더 취약한 것으로 나타났다. 우리나라와 연관이 깊은 주요 국가와 비교 시, 북한, 중국, 미국, 일본, 우리나라 순으로 취약성의 정도가 심각했다. 또한, 압력, 상태, 반응의 요소별로 수자원 취약성을 분석한 결과 북한이 반응요소 측면에서 타 국가에 비해 불안정하였으며, 우리나라의 경우 상태요소 측면에서 취약함을 보였다. 따라서 본 연구는 국가 간 우리나라와 북한의 상황을 파악할 수 있게 해주며, 수자원 취약성 극복을 위한 수자원 계획 및 대책을 제시할 수 있는 자료로 활용할 수 있을 것이다.

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