• 유통과학연구
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• 제13권11호
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• pp.69-77
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• 2015

Purpose - Economic status at an early stage of life after one's retirement is often determined by the long-term sacrifice of one's earlier consumption tendencies. In general, the first and foremost way to secure income after retirement is through annuity savings. People sign up for personal annuity savings in order to guarantee a stable economic life upon retirement, and such actions may be heavily influenced by self-efficacy. Confidence in current economic activity is a source of rational decision-making. Inability to achieve self-control can lead to reckless spending and the eventual hindering of proper investment for the future. This paper examines how self-efficacy and self-control affect the intention and action of enrolling in an annuity savings plan in relation to one's level of financial literacy. Research design, data, and methodology - To analyze the proposed model, this study investigates financial consumers over the age of 20. The data were collected from 511 respondents and analyzed with SPSS 21.0 and AMOS 21.0. First, for the one-dimensional test and to measure the convergent validity of each structure, we use the scale purification process. The results of the test and the confirmatory factor analysis ensure the focus of the validity of the single dimension for each structure. In addition, the validity of the measurement was guaranteed from the results of correlation analysis. Results - First, self-efficacy and self-control have positive effects on the purchasing intention of the personal annuity savings plan. Second, purchasing intention positively affects purchasing behavior. Lastly, self-control has a positive effect on purchasing intention among the low financial literacy group, whereas self-efficacy does not have this effect in the high financial literacy one. Conclusions - The time of product benefit is different with age. The younger group would be granted the savings after several decades once they enroll, whereas the older group would wait for a relatively shorter period of time. Therefore, further research should be conducted in order to verify such a difference. However, this study has value through its confirmation that the roles of self-efficacy and self-control play a part in leading to the enrollment in annuity savings plans and by verifying different effects based on levels of financial literacy. Such results suggest a number of implications in a real life setting. First, banks need to put greater emphasis on the stability of annuity savings in general. Second, customers with relatively low levels of financial literacy are able to control their finances through annuity savings, but find self-efficacy difficult due to a lack of financial understanding. Therefore, such customers should be approached from an invest-effectiveness comparison method. Third, customers with high financial literacy tend to put more value in rational economic decision-making and behavior than in self-efficacy. Therefore, such customers should be approached by promoting the reliability of annuity savings and the excellence of the specific bank's annuity savings plan in comparison to those of other financial institutions.

• 산경연구논집
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• 제10권5호
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• pp.27-36
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• 2019

Purpose - Naver has emerged as a new leader in the open market. While existing open markets such as Gmarket, 11th Street, and so on are suffering from profitability deterioration, Naver is attracting sellers based on low commission and powerful search engine. We would like to analyze the impact of Naver shopping on the national economy, especially on employment, in a situation where the market reaction to Naver's strength as a leader in online shopping is mixed. Research Design, Data, and Methodology - Through the demand inducing inter-industry analysis, we estimate the employment inducement effect by Naver shopping from its shopping transaction. In turn, through the supply inducing inter-industry analysis, we estimate the employment inducement effect by Naver shopping from its low commission and powerful search engine. For the purpose of inter-industry analysis, as of 2018, the most recently announced 2014 inter-industry table (extension table) from the Bank of Korea is used. Results - The results of this study are as follows. First, Naver Shopping is expected to generate 7.8 trillion won's trade in 2018, resulting in 244,225 of job inducement, and 158,598 of employment inducement. In addition, Naver Shopping is estimated to benefit KRW 213 billion to its sellers due to low commission and powerful search function, resulting in 8,667 of job inducement, and 5,655 of employment inducement. Second, in terms of job inducement and employment inducement due to Naver Shopping's trade, transportation, business support service, information and communication, broadcasting, restaurants and lodging were ranked. Third, in terms of job inducement and employment inducement due to Naver Shopping's low commission and powerful search function, restaurants and hospitality, f/b and cigarette manufacturing, construction, and transportation equipment manufacturing were ranked. Conclusions - The number of job inducement resulting from low commission and powerful search engine of Naver shopping in 2018 was 8,667 (3.7% of 244,225, which was caused by transaction in Naver shopping in 2018), and employment inducement was 5,655 (3.7% of 158,598, which was caused by transaction in Naver shopping in 2018), which can be considered as additional employment impacts of Naver Shopping compared to the other online shopping operators.

• 한국건설관리학회논문집
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• 제19권6호
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• pp.103-114
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• 2018

PPP (Public-Private-Partnership)는 국내외 건설산업 분야에서 널리 사용되는 프로젝트이다. 일반적으로 PPP 프로젝트 팀은 건설 엔지니어, 금융기관, 계약 관리자, 투자자 등 다양한 분야의 전문가들로 구성된다. 이러한 팀 구성원의 다양성으로 인해 팀의 효율적 관리 뿐 아니라 프로젝트 자체의 원활한 수행도 어려운 상황이다. 이러한 문제의 해결책은 팀원의 시민행동 형성이라 할 수 있다. 본 연구에서는 프로젝트 시민 행동의 프로젝트 성과에 대한 실증적 조사를 수행하였다. 이를 위해 국내 건설 PPP 프로젝트 경험자를 대상으로 설문조사를 통해 데이터를 수집했다. 연구결과, 우리는 프로젝트 시민 행동이 PM의 리더십과 프로젝트 성과간에 완전 매개 효과가 있음을 확인할 수 있었다. 본 연구는 국내 건설 프로젝트 관리 분야에서 시민 행동 개념의 적용과 그 효과를 확인한 첫 번째 시도라는 점에서 학문적 중요성을 가지고 있으며, PPP 프로젝트 팀의 성공적인 업무 수행에 일조할 것으로 기대한다.

• 한국산림과학회지
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• 제87권3호
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• pp.383-390
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• 1998

암절취(岩切取) 손(毁損)비탈면에 환경생태적(環境生態的)으로 안정(安定)될 수 있도록 적용이 가능한 산림표층토(山林表層土)를 이용한 종비토(種肥土)뿜어붙이기공법(工法)용 속성연화자재(速成緣化資材)(녹화토양(綠化土壤))의 시공효과(施工効果)를 분석하기 위하여, 1997년 4월에 현장 시공을 실시하였다. 3가지 유형의 녹화토양에 따른 식생 및 토양의 특성을 파악하기 위하여 완전임의배치법으로 실험(實驗)을 실시한 결과를 요약하면 다음과 같다. 산림토양(山林土壤)과 마사토, 퇴비, 슬러지, 연소재 등의 자재를 이용하여 조재한 3가지 녹화토양(綠化土壤)의 입도(粒度)분포는 큰 차이가 없었으나, 산림토양을 첨가함에 따라서 토양가밀도(土壤假密度)는 높아졌고, 토양경도(土壤硬度)는 시공 후 초기단계에서는 약간 증가하였으나, 식생의 활착에 따라서 점진적으로 감소하였다. 시공 1개월 후 전체 식생의 출현개체수(出現個體數)는 3,000본/$m^2$ 이상으로 나타났으며, 산림토양을 첨가함에 따라서 공시종과 자연적으로 발생한 식생과의 경쟁으로 인하여 출현개체수는 급격히 감소하였다. 산림토양을 첨가함에 따라서 초기에 파종한 공시종 외에 산딸기, 왕바랭이, 망초, 방울토마토 등 약 6종/$m^2$ 이상이 자연적으로 출현하였다. 비탈면 식생의 종다양성(種多樣性) 회복이라는 측면에서 산림토양의 이용가능성은 높았으며, 산림토양을 녹화자재(녹화토양)로 이용하기 위해서는 산림토양의 특성(잠재종자원(潛在種子源), 토성(土性), 유기물(有機物) 특성) 등을 면밀히 분석하여 배합비율을 결정하는 것이 타당할 것이다.

• Maxillofacial Plastic and Reconstructive Surgery
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• 제37권
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• pp.2.1-2.9
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• 2015

Background: The aim of this study was to evaluate the effect of autogenous tooth bone as a graft material for regeneration of bone in vertical bony defects of the minipigs. Material and Methods: Six minipigs were used in this study. Four molars were extracted in the right mandibular dentition and sent to the Korea Tooth Bank for fabrication of autogenous tooth bone. Ten days later, each extraction site was implanted with MS Implant Narrow Ridge $3.0{\times}10mm$ fixture (Osstem, Seoul, Korea) after standardized 2mm-sized artificial vertical bony defect formation. Pineappleshaped Root-On type autogenous tooth bones were applied to the vertical defects around the neck area of the posterior three fixtures and the fore-most one was not applied with autogenous bone as a control group. Each minipig was sacrificed at 4, 8, 12 weeks after fixture installation and examined radiologically and histologically. Histological evaluation was done under light microscope with Villanueva osteochrome bone staining with semi-quantitative histomorphometric study. Percentage of new bone over total area (NBF) and bone to implant contact (BIC) ratio were evaluated using digital software for area calculation. Result: NBF were $48.15{\pm}18.02%$, $45.50{\pm}28.37%$, and $77.13{\pm}15.30%$ in 4, 8, and 12 weeks, respectively for experimental groups. The control group showed $37.00{\pm}11.53%$, $32.25{\pm}26.99%$, and $1.33{\pm}2.31%$ in 4,8,12 weeks, respectively. BIC ratio were $53.08{\pm}19.82%$, $45.00{\pm}28.37%$, and $75.13{\pm}16.55%$ in 4,8,12 weeks, respectively. Those for the control groups were $38.33{\pm}6.43%$, $33.50{\pm}29.51%$, and $1.33{\pm}2.31%$ in 4, 8, 12 weeks, respectively. Conclusion: Autogenous tooth bone showed higher score than control group in NBF and BIC in all the data encompassing 4,8,12 weeks specimens, but statistically significant only 12 weeks data in both NBF and BIC.

• 한국수자원학회논문집
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• 제42권9호
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• pp.715-724
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• 2009

경사수제는 수위에 따라 흐름축소의 정도가 달라지기 때문에 폭이 좁은 수로나 수제설치로 인해 발생하는 수위상승으로 월류의 위험성이 있는 지점에 적용하기에 적합하다. 본 연구는 수제 선단부가 경사를 이루는 경사수제에 대한 수리실험을 수행하였다. 경사수제 실험의 주요 인자는 수제의 선단부 각도와 수심변화이며 이들 주요인자에 의한 수제주변의 유속을 LSPIV (Large Scale Particle Image Velocimetry)기법을 이용하여 측정하였다. 수제주변 흐름영역은 주흐름영역과 재순환영역으로 구분하여 분석하였다. 실험결과, 흐름중심선 변화는 환산길이에 영향이 크지 않았으나 재순환영역 폭은 환산길이가 클수록 증가하였다. 재순환영역의 길이는 환산수제길이의 약 12 $\sim$ 16배 정도 발생하였다. 주흐름영역에서의 최대유속은 상류접근유속에 1.45 $\sim$ 2.1배 내외로 수제경사에 의한 영향은 크지 않았다. 재순환영역의 역류속은 확연히 감소하는 것으로 나타나 제방부 호안에 안정된 흐름이 형성되는 것으로 나타났다.

• 재무관리연구
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• 제26권1호
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• pp.95-125
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• 2009

본 연구는 2003년 상반기부터 2007년 하반기까지의 반기자료를 이용하여 상호저축은행에 시장 규율이 존재하는지에 대해 실증 분석하였다. 상호저축은행 통일경영공시의무 항목인 BIS자기자본 비율과 자산건전성비율에 초점을 두고 분석한 결과 상기 지표는 예금증가율과 매우 유의한 관계를 가지는 것으로 나타나 표본기간 중 저축은행산업에 시장규율이 존재한다는 결론에 도달하였다. 아울러 이러한 시장규율에 대해 저축은행은 능동적으로 반응하는 것으로 분석되었다. BIS자기자본비율은 모든 모형에서 고정이하여신비율보다 큰 계수를 보여 예금자는 고정이하여 신비율보다는 BIS자기자본비율에 더 민감한 것으로 나타났다. 수도권과 비수도권 간에 시장규율의 정도에는 별 차이가 없었으며, 시간이 흐를수록 시장규율의 정도는 강해지는 것으로 조사되었다. 아울러 영업정지가 발생할 경우 BIS자기자본비율에 대한 민감도는 변하지 않는 반면 고정이하여신비율에 대한 예금자의 민감도는 매우 강해지는 것으로 분석되었다. 향후 시장규율의 지속적인 작동 및 향상을 위해서는 감독당국이 저축은행의 성실공시를 유도하는 각종 상벌제도를 고안함과 동시에, BIS자기자본비율 외에 예금자의 인식도가 높아지고 있는 것으로 분석된 고정이하여신비율에 대해서도 예금자의 주의 환기가 필요하다고 할 것이다.

• 환경생물
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• 제34권3호
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• pp.169-176
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• 2016

본 연구는 중북부지방 적응성 자운영 선발 및 수집 계통간 형태적, 유전적 근연관계를 분석한 것으로서 총 수집된 16개 자운영 계통 중 파주종은 엽각이 적고, 지하부의 발육이 좋아 형태적 형질이 월동에 적합한 초형이었다. 또한 구례 수집종은 개화기가 타 수집종에 비해 일주일 가량 빨랐다. 유전적 근연관계를 검정하기 위해 8개 primer 조합으로 AFLP를 실시한 결과 총 579개의 밴드를 얻었으며, 이 중 polymorphism을 갖는 밴드는 61.54%인 336개 밴드였다. AFLP 데이터를 이용해 군집분석을 실시한 결과 계통 간 유사도 지수는 0.826~0.939 사이의 값을 가지며, 구례와 파주 수집종은 타 수집종과 유전적 유사도에서 비교적 큰 차이를 보였다.

• 유통과학연구
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• 제13권12호
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• pp.85-94
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• 2015

Purpose - The purpose of this paper is to provide a political registration point for analyzing the economic impacts on the national economy from the REITs distribution industry in our country. The REITs distribution industry was introduced in 2001 to accelerate the corporate restructuring process and advance the real estate market. During its establishment, the REITs distribution industry faced difficulties; however, the industry grew rapidly through interest from institutional investors, thus mitigating the establishment problems by 2006. In Korea, more than 108 REITs were operating as of the end of June 2015. REITs contribute significantly to the national economy. The economic impacts on the national economy of the REITs distribution industry was analyzed using input-output (I-O) analysis with respect to production, imports, value-added, and employment. Research design, data, and methodology - The research used an I-O analysis of the activities of the REITs distribution industry in the national economy. The I-O analysis methodology analyzes the economic effects that influence other industries with respect to one unit of external investment. The data for this analysis were the I-O table of 2013 as published by the Bank of Korea in 2014. Results - The findings of this study are as follows. First, if an external input to the REITs distribution industry is 1 won, the overall impact of the product is 1.3869 won, the import induction is 0.0002 won, and the value-added induction is 0.7656 won. A new investment of 659.9 billion won into the REITs industry was estimated to produce a gross effect of 915.2 billion won. Second, if an external input to the REITs distribution industry is 1 billion won, the employment-inducing effects are estimated at 19.6394 individuals. The employment-inducing coefficient of 19.6394 for the REITs distribution industry indicates that the industry created significant employment-more than other industries-because the coefficient was 2.2 times the 2013 industry average employment-inducing coefficient of 8.8. Third, the investment effects of the REITs distribution industry on production induction, value-added induction, and employment induction are assumed to be large in business support services, financing, communications and broadcasting, and professional, scientific, and technical services. Conclusions - The REITs distribution industry was analyzed as having a strong employment inducing, high value added effect. The REITs distribution industry is an excellent alternative for the government authority to create multilateral jobs. Because the REITs distribution industry has a significant positive impact on the national economy, it should be developed. However, the I-O methodology has restrictions with respect to the fixation and timing of the input coefficient. Follow-up research is expected to supplement the analysis method at a specific point in time.

• Geomechanics and Engineering
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• 제21권1호
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• pp.63-71
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• 2020

Strength anisotropy is a typical feature of thin-bedded rock masses and their strength will be degraded subjected to water immersion effect. Such effect is crucial for the operation of hydropower plant because the impoundment lifts the water level of upstream reservoir and causes the rock mass of nearby slopes saturated. So far, researches regarding mechanical property of natural thin-bedded rock masses and their strength variation under water immersion based on field test method are rarely reported. This paper focuses on a thin-bedded stratified rock mass and carries out field test to investigate the mechanical property and strength variation characteristics. The field test is highlighted by samples which have a large shear dimension of 0.5 m*0.5 m, representing a more realistic in-situ situation than small size specimen. The test results confirm the anisotropic nature of the concerned rock mass, whose shear strength of host rocks is significantly larger than that of bedding planes. Further, the comparison of shear strength parameters of the thin-bedded rock mass under natural and saturated conditions show that for both host rocks and bedding planes, the decreasing extent of cohesion values are larger than friction values. The quantitative results are then adopted to analyze the influence of reservoir impoundment of a hydropower plant on the surrounding rock mass stability of diversion tunnels which are located in the nearby slope bank. It is evaluated that after reservoir impoundment, the strength degradation induced incremental deformations of surrounding rock mass of diversion tunnels are small and the stresses in lining structure are acceptable. It is therefore concluded that the influences of impoundment are small and the stability of diversion tunnels can be still achieved. The finings regarding field test method and its results, as well as the numerical evaluation conclusions are hoped to provide references for rock projects with similar concerns.