• 재무관리연구
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• 제26권4호
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• pp.83-102
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• 2009

Banks traditionally focus on the financial services against the uncertain future liquidity needs, i.e. saving as well as lending. As the business model of banks has been shifted from the originate to hold model to the originate to distribute model since the enactment of Gramm-Leach-Bliley Financial Services Modernization Act in 1999, the financial services encompass information gathering and generating, underwriting and risk sharing through packaging claims for the investors, in addition to the payment and settlement services. Ensued are the financial market integration and diversification of financial services, with which the accessibility to financial services is arguably significantly enhanced. Such integration and diversification necessarily entails the risk of contagion due to the non-fulfilling service over the several other financial services, which would be contained easily under the separate financial services. This paper addresses the pricing of fees for the integrated financial services through which the contagion could spread when the users of financial service are not immune to the failure to fulfill their obligation due to the economic turmoil. Consequently the information asymmetry about the clients is unavoidable. Higher fees could drive out the otherwise good clients out of the pool of customers for the financial services. Then, the risk could be exacerbated due to the proliferation of bad clients who are vulnerable to the financial distress and liquidity crunch. So the banks should take into account the interactional effect of the fees between/among the non interest based activities and interest based activities under the information asymmetry. Contrary to our general perception, the current analysis demonstrates that the bank should focus on the reduction of cost associated with good clients rather than that of bad clients.

• 유통과학연구
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• 제16권11호
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• pp.11-19
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• 2018

Purpose - The purpose of this study is to provide a systematic literature review related to environmental upgrading in Global Value Chains (GVCs) and suggest possible future research agendas in advancing environmental upgrading and ultimately GVC boundaries. Research design, data, and methodology - The academic databases such as Science Direct, EBSCO, ProQuest and Google Scholar were explored using a structured keywords searches to identify relevant research in the environmental upgrading area in GVCs. Only relevant papers were selected after reading the abstracts, and analyzed using qualitative content analysis. Results - Overall analysis of the literature review suggests two critical developments in the field of environmental upgrading. The first and foremost major development is an enhanced understanding of environmental upgrading as a concept and phenomenon. The second significant development is that environmental upgrading has been empirically proven to be fundamentally based on relationships and power structures within GVCs. Conclusions - Environmental upgrading in GVCs has been studied individually and not in relation to financial outcomes and social upgrading. Hence, the relationship of environmental upgrading with financial outcomes and social upgrading needs to be investigated. Furthermore, the impact of the interaction of varying institutional structures on environmental upgrading is worthy of future study.

• 한국IT서비스학회지
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• 제20권3호
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• pp.87-101
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• 2021

Since the introduction of block chain technology, its potential use in financial service area have been increasing, and financial firms are seeking ways to take advantage of the benefits of it. The purpose of this study is to present an approach to prioritize block chain-based services for bank. Toward this, we picked out potential financial services through focus group interview and derived the criteria that can be used in evaluating the priorities of block chain-based banking services in the same way. Then, we propose an analytic hierarchy process model to help decision makers prioritize the banking services while considering multiple criteria of technology issues, governmental regulations in the financial industry, cost, managerial issues, customers' needs, and the business opportunity for the bank. By using the analytic hierarchy process model, we can estimate the weighting coefficients to be assigned to each criteria and determine the order of priority in determining the best block chain-based service for the case study bank. The results show that banking login authentication would be forefront service, followed by money transfer, document notarization, and trade financing service in the order, and the trade financing could be most important service in terms of the business profitability for the bank in the future.

• 한국정보디스플레이학회:학술대회논문집
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• 한국정보디스플레이학회 2008년도 International Meeting on Information Display
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• pp.3-3
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• 2008

The TFT-LCD industry has shown dramatic growth by making technological advances and satisfying consumer needs. It now stands at the heart of the display industry. However, the TFT-LCD market is maturing and is unlikely to sustain the fast pace of growth in years to come. There has been an oversupply in the LCD sector entering 2008 due to capacity expansion aimed at fueling growth coupled with softening demand amid the global economic slowdown and recent financial turmoil. The LCD industry has successfully coped with oversupply on several occasions. Each time, LCD makers faced up to the challenge and responded with a pioneering spirit. They continued to grow by turning crisis into opportunity. LG Display aims to create new markets by developing products based on innovative technology and providing more attractive products through a value-added product planning that incorporates consumer needs. Through a continuous cost innovation targeted at stimulating demand by making products more economical to consumers, we will be at the forefront of overcoming the current oversupply and sustaining robust growth for the TFT-LCD industry. Depending on our management of the situation, the current oversupply could prove to be an opportunity to create even bigger markets for the future.

• 가정과삶의질연구
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• 제34권5호
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• pp.53-68
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• 2016

Financial preparation for retirement means making financial plans by predicting expected incomes and expenditures needed for maintaining success in later life. Because this preparation needs long-term planning, preparing as early as possible is recommended. This study, therefore, uses theory of planned behavior for examining the intention of financial preparation for retirement of consumers in their 20s and 30s. By using financial education and its understanding as additional variables, this study also intends to examine the ultimate effects on the intention. The following is a summary of the main results and suggestions. First, the level of consumer financial education is lower than the average. The level of understanding finance is lower than the average, and particularly, the level of understanding retirement related finance is much lower. Second, the more the attitude of financial preparation for retirement is positive, and the higher the level of subjective norm or perceived behavioral control is, the level of the intention of financial preparation for retirement tends to be more higher. Therefore, relevant efforts to encourage this preparation are needed. Third, the level of the intention of financial preparation for retirement is higher than the average, whereas financial education has no effects on the intention. This means that despite the importance of the financial education, its current implementation has many problems. The suggestions of this study are as follows. First of all, this study can provide preliminary data for developing retirement planning programs. In addition, in terms of the policy, given that this study targets relatively young consumers in their 20s and 30s, it can provide preliminary data for making policies for their future retirements.

• 재활복지
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• 제21권2호
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• pp.29-62
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• 2017

본 연구는 성인기 발달장애인의 소득보장과 재산의 보호 및 관리 수단으로서 신탁을 사회복지의 측면에서 연계, 활용하기 위한 "재정계획"과 발달장애인 "신탁"의 주요 운영방안을 모색하고자 하였다. 연구결과 "재정계획"의 운영내용과 관련하여 (1)필요성은 "미래계획을 수립하는데 있어 필요한 재원을 충족시키는 방안 수립", "부모가 살아있는 동안 사후 장애자녀에게 남길 재산에 대한 안전한 관리 방안 수립"이었다. (2)구성내용은 "자립 시 재산 유지 및 사용 방안", "미래에 대한 계획과 꿈", "부모 사후 시 발달 장애인을 위한 유언 및 유산처리 방안" 등 이었으며 (3)장애요인은 "장애인의 재정계획에 대한 국가의 인식부족", 지원의 내용은 "개인의 소득보장과 재산을 관리해줄 수 있는 공신력 있는 기관" 등으로 나타났다. 발달장애인을 위한 "신탁" 운영내용과 관련하여 (1)운영 원칙은 "보편성, 공공성, 안정성, 자기결정, 개별성 보장"이었고, (2)"운영체계는 공공과 민간의 혼합방식", (3)대상자 유형은 "부모가 없거나 돌볼 가족이 없는 장애인으로 당사자의 소득이 있거나 재산을 가진 경우", (4)필요한 지원은 수탁기관에 대한 "재산의 안전한 관리를 위한 관리 감독 시스템", "발달장애인을 위한 의사결정지원 시스템", "일정한도의 신탁재산이 있어도 공적 부조(기초생활수급자, 의료보호 등)의 정부수급 자격의 유지" 등으로 나타났다.

• International Journal of Quality Innovation
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• 제8권1호
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• pp.40-75
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• 2007

In the early industrial age which with high intensity of machine and labor, using financial measurement index was good enough to tie in company's mechanization and philosophy of management and been in efficiency. But being comply with "New Economic age," a new economic environment is full of knowledge and information, the enterprise competition had changed from tangible assets, plants to intangible innovation ability of knowledge. As recognizing the new tendency by enterprise, they value gradually the growth and influence from learning. Practice of organization learning not only needs firm structure and be in coordination with both hardware and software, but also needs an affect measurement model to offer enterprise to estimate learning performance. It's a good instrument of financial performance measure mold in the past years, But it's for measuring the past, couldn't formulate enterprise trend to future, hard to estimate investment for future, such as development of products, organization learning, knowledge management etc, as which intangible assets and knowledge ability just the key factors of being win around competition environment in the future. In 1992, Kaplan and Norton brought up Balance Scorecard (BSC) on Harvard Business Review, as an instrument helping enterprise to measure performance, which is being considered to be a most influence management instrument. It added non-financial index such as customer, internal process and learning growth besides traditional financial index, as offering enterprise an index to measure and manage intangible assets and intellectual property. As being aware of organization learning is hard to be ignored in the new economic age, this research is based on learning and growth of BSC, and citing one national material company try to let the most difficult measurement performance of organization learning, to be estimate through BSC, analyze of factor and individual case, to discuss the company how to make the related strategy and vision of organization learning to develop learning and growth of the structure of BSC, subject the matter of out put factors to be discussed, and measure the outcomes as a result of research. The research affect offers (1) the base implement procedure of carrying out BSC; (2) the reference of formulating measurement index while enterprise using BSC to estimate performance of organization learning; (3) the possibility bottleneck maybe forcing while carrying out BSC, to be an improvement or preventive for enterprise.

• Journal of Information Technology Applications and Management
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• 제10권4호
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• pp.65-84
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• 2003

The Purpose of this study is to Identify and analyze the factors that determine the survival or success of internet-based companies in the start-up phase. The reason why we focus on companies which are in the early stage of development is because internet business is still at its early stage, and statistics indicate that many internet businesses have failed during the start-up phase. Using the model of new product outcomes proposed by Cooper(1979), we have formulated a conceptual model for more successful internet business ventures. On the basis of this model, the relationship between the financial and non-financial performance and various variables in the model is analyzed. For collecting empirical data, a web-based survey questionnaire was designed. A total of 97 usable questionnaires were gathered from internet companies nationwide. The results showed that controllable variables such as the commercial entity and information acquired during the new business process are related to the non-financial performance, while environment variables such as the compatibility of the resource base of the firm with the business, including a few controllable variables, are related to the financial performance. Future research needs to explore more precisely how the success factors are different according to the types of internet businesses and/or the stages of growth of the business.

• 보건의료산업학회지
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• 제13권3호
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• pp.1-12
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• 2019

Objectives: The purpose of this study was to provide hospital management diagnosis status and basic data required for the future development of hospital management diagnosis program. Methods: We conducted a questionnaire survey on administrative staff of manager level or over of medical institutions in B metropolitan city. Results: As a result of analyzing the relative influence of the needs by hospital management diagnosis indicator, the effect of financial analysis indicator, patient treatment record indicator and medical revenues indicator were high in the medical institutions with number of beds of 100 beds or over and general hospital level or over both on a hospital level and on an individual level. Conclusions: Since the existing laws or systems are centered on large major hospitals, the management environment is very unfavorable for small and medium hospitals as can be seen from the results of this study. Therefore, the government should improve the transparency and rationality of the hospital management environment in Korea through regulation and system reforms that can be applied to all medical institutions.

• 품질경영학회지
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• 제35권4호
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• pp.16-25
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• 2007

The purpose of this study is to research and analyze the influence of ISO 9001 QMS(Quality Management System) certification on the employer's financial goal and the employee' satisfaction. In this study, we could find that ISO 9001 QMS certification influenced eight factors which contribute to employee's satisfaction, and the purpose and background of ISO 9001 QMS certification was analyzed to have a good influence on the employee's satisfaction. In the future, the implementation strategy of ISO 9001 QMS needs to be studied to make the employees satisfied more with their duties and to pursue the employer's financial goals at the same time.