• 제목/요약/키워드: interest relations

검색결과 310건 처리시간 0.027초

Factors Affecting Savings Deposit Decision of Individual Customers: Empirical Evidence from Vietnamese Commercial Banks

  • VUONG, Bui Nhat;TUNG, Dao Duy;GIAO, Ha Nam Khanh;DAT, Ngo Tan;QUAN, Tran Nhu
    • The Journal of Asian Finance, Economics and Business
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    • 제7권7호
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    • pp.293-302
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    • 2020
  • Capital mobilization is a traditional business of commercial banks and is one of the core foundations for the development of a bank. Capital mobilization is the main input in the operation of a bank, and this is also the basis for generating output for credit activities as well as other banking activities. This study aims to determine the main factors that affect the decisions of individual customers to put savings deposit in Vietnamese commercial banks. Survey data collected from 403 individual customers were analyzed to provide evidence. The results from the multiple regression analysis by using SPSS software revealed that all scales in this study were reliable, and there were six components impacting the savings deposit decision of individual customers from the strongest to the weakest in the following order: the form of promotion, bank brand, service quality, interest rate policy, and employee knowledge and attitude. Besides, the finding showed customers who have high income tend to have a stronger decision on savings deposits in commercial banks. The main findings of this article provide some empirical implications for marketers in banks and serve as a suggestion to improve these factors in order to retain and attract individual customers' savings deposit decisions.

광고 공모전 연구 현황 분석 및 발전 방안 연구 (Research on Current Studies and the Further Development of Advertising Contest)

  • 신기혁;조경섭
    • 경영과정보연구
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    • 제31권4호
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    • pp.83-108
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    • 2012
  • 광고공모전에 대한 학생들의 관심이 매우 높아 수업과의 연계 속에서 진행되는 공모전이 있을 정도이다. 기업들 역시 이러한 공모전을 통해 기업 활동에 도움을 받고 있는 입장이지만, 아직까지 광고나 마케팅커뮤니케이션 관련 공모전을 주제로 하는 학술적인 연구는 연구 현재의 시점에서 5편에 불과하다. 이들의 연구 내용을 분석한 결과 주로 공모전 참여 활성화 측면, 기업 윤리적인 측면, 산학협력 측면 등에서 활용 가치를 찾을 수 있었다. 하지만 이것은 여전히 불충분 하며 때문에 기존 연구들이 제시한 시사점들에 대한 분석을 토대로 후속 연구의 필요성이 강력히 제기되고 있다. 후속 연구가 필요하다고 제시하는 분야는 투자 대비 광고공모전의 효과 분석, 선행 연구들에 대해 면밀한 실험 연구를 통한 이론적 정립, 공모전 형태에 따른 비교 연구, 개인 성향이 공모전 주최 기업의 이미지에 미치는 영향 등이며, 이 밖에도 기업의 필요와 관련되었거나 학생들의 필요 충족과 관련하여 보다 많은 연구의 필요성을 제기한다.

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RSS와 OLAP 큐브를 이용한 FOAF의 동적 관리 기법 (A Dynamic Management Method for FOAF Using RSS and OLAP cube)

  • 손종수;정인정
    • 지능정보연구
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    • 제17권2호
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    • pp.39-60
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    • 2011
  • 웹 2.0 기술이 소개된 이후 소셜 네트워크 서비스는 미래 정보기술의 기초로서 중요하게 인식되고 있다. 이에, 웹2.0 환경에서 소셜 네트워크를 구축하기 위하여 온톨로지 기반의 사용자 프로필 기술 도구인 FOAF를 활용하기 위한 다양한 연구가 이뤄지고 있다. 그러나 FOAF를 이용하여 소셜 네트워크를 생성 및 관리하는 대부분의 방법은 시간의 흐름에 따라 변화하는 사용자의 소셜 네트워크를 자동적으로 반영하기 어려운 단점이 있으며 다양한 소셜 미디어 서비스가 제공되는 환경에서는 FOAF를 동적으로 관리하기가 쉽지 않다. 따라서 본 논문에서는 기존 FOAF를 이용한 소셜 네트워크 추출방법의 한계를 극복하기 위하여 사용자 프로파일 기술 언어인 FOAF와 웹 저작물 출판 매커니즘인 RSS를 OLAP 시스템에 적용시켜 동적으로 FOAF를 갱신하고 관리하기 위한 방법을 제안한다. 본 논문에서 제안하는 방법은 수집한 FOAF와 RSS 파일들을 스타스키마로 설계된 데이터베이스에 넣어 OLAP 큐브를 생성한다. 그리고 OLAP 연산을 이용하여 사용자의 연결관계를 분석하고 FOAF에 그 결과를 반영한다. 본 논문에서 제안하는 방법은 이기종 분산처리 환경 하에서 데이터의 상호호환성을 보장할 뿐만 아니라 시간의 흐름에 따른 사용자의 관심 및 이슈 등의 변화를 효과적으로 반영한다.

지각적 신체이미지, 외모관리행동이 의복행동에 미치는 영향 (The Effects of Perceptual Body Image and Appearance Management Behavior on Clothing Behaviors)

  • 송경자
    • 한국의류학회지
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    • 제33권10호
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    • pp.1611-1621
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    • 2009
  • This study examines the significant relations in clothing behavior according to perceptual body image and appearance management behavior. The sampling method was a convenient sampling of 190 male and 160 female students in Daejeon. The survey was conducted from June to July 2008. The instruments consisted of perceptual body image (Silhouette Task), appearance management behavior (need for plastic surgery and appearance management in ordinary times) and clothing behavior (interest in clothing and fashion, along with conformity and exhibition). The data were analyzed using the frequency analysis, $Cronbach'{\alpha}$, factor analysis, t-test, and variance analysis. The subjects with normal body size perceptions had a strong need for plastic surgery, revealed more appearance management behavior, and had a high interest in clothing. The subjects who were dissatisfied with body apperance showed high conformity to clothing. The subjects who dissatisfied to their too fat body had high needs for plastic surgery and the subjects dissatisfied with a too thin body type did less appearance management in ordinary times. The subjects who had a high need for plastic surgery performed more appearance management, had a high interest in clothing and fashion, showed a high conformity to clothing, and exhibited a high exhibition of clothing. The subjects who had more appearance management in ordinary times had a high interest in clothing and fashion and showed a high conformity and exhibition of clothing.

20대여성의 감각추구성향과 의복태도가 상표다양성추구에 미치는 영향 (Impact of Women in 20s Sensation Seeking Tendency and Clothing Attitudes upon Brand Variety Seeking)

  • 변정선;이선재
    • 복식
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    • 제51권5호
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    • pp.135-145
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    • 2001
  • In this study, investigation into the impact of sensation seeking tendency and clothing attitudes upon brand variety seeking will be made through the presentation of sensation seeking tendency as consumer's motivation of clothing behavior and clothing attitude as parameter. To give goals of this study. First, to help the understanding of consumers by elucidating consumer's psychological characteristics against sensation seeking tendency, clothing attitude and diverse brands seeking. Second, to offer standard for specifying market by presenting theoretical as well as empirical data. Third. to create successful marketing strategy according to consumer groups and moreover to increase sales efficiency. Research results are as follows : As a result of investigating on which factor among sensation seeking tendency affects on seeking various brands, change seeking tendency and aesthetic seeking impact upon seeking various kinds of brands. Change seeking is turned out to be the most influential factor. Fashion leadership, fashion innovativeness, attention concentration, social approval and clothing interest had an impact on diverse kinds of brand seeking: there was a positive relations with fashion leadership. attention concentration. clothing interest and fashion innovativeness, whereas a negative link with social approval. Three factors of sensation seeking tendency, two factors, that is change seeking and aesthetic seeking. have direct and indirect paths that lead to diverse brand seeking, via clothing attitude. that is to say, clothing interest. fashion leadership. social approval and attention concentration. On the other hand, thrill and risk seeking only had indirect path. Aesthetic seeking showed higher significance to indirect effect on diverse brand seeking which takes clothing attitude as a parameter, than that of direct effect. Brand variety seeking was under considerable effect of fashion leadership, clothing interest and attention concentration, in order.

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우주(宇宙) 상업활동(商業活動) 규율(規律)에 있어서의 우주법(宇宙法)의 발전적(發展的) 위상(位相) (Developments in Space Law in regulating commercial space activities)

  • 신홍균
    • 항공우주정책ㆍ법학회지
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    • 제3권
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    • pp.233-258
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    • 1991
  • This paper examines current developing status of space law as defined in terms of its unique principle that "the utilization of outer space for all mankind's interest". As commercialization of space activities has brought about heated debate on its legitimacy with respect to that principle, space law has come to witness a dual situation. One is the realization of that principle in establishing commercial space activities system where all mankind's interest is respected through the non-discriminatory distribution mode of space benefit. In satellite telecommunication system, the INTELSAT Organization assures its public service policy while protecting itself against a competition from separate systems. For remote sensing, commercialization of LANDSAT Systems promoted since 1984 seems not to affect present non-discriminatory distribution of data and information obtained. On the other hand, active participation of private entity aiming at commercial profit enables national government to manage more effective control and supervision of those activities with a view to promoting national interests. Also, newly developed private rules and regulations are emerging in business relations about commercial space activities. Extended capacity of national government assuring its national interest in production and distribution of international resources that is outer space, and regulation of space activities by newly developed rules and customs provoke a concern about a identity problem of space law. The best way to summarize this perspective might consist in saying that non space law regulations, which are not assumed as aiming at the promotion of all mankind's interest, are confirming their role about space related activities. For those reasous, we are now facing a developing status of space law as developments of commercial space activities continues.

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일 지역 초등학생의 암에 대한 지식, 태도, 공감과 암환아에 대한 태도의 관계 (The Relationships of Knowledge and Attitudes about Cancer, Empathy, and Attitudes about Child with Cancer in Upper Primary School Children)

  • 문소현;윤영미;조헌하
    • 한국학교ㆍ지역보건교육학회지
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    • 제12권2호
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    • pp.97-112
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    • 2011
  • Objectives: The purpose of this study is to identify upper primary school children's knowledge and attitude about cancer, empathy, and attitudes about child with cancer, and to examine the relations between these variables and factors that influence. Methods: Methods: The participants included 474 fifth and sixth grade students. Data were analyzed using Pearson correlation coefficients, ANOVA and Tukey test with SPSS/WIN 18.0. Results: Mean scores were for knowledge about cancer 6.03 out of a possible 1, attitude about cancer 2.23 out of a possible 5, attitudes about child with cancer 1.11 out of a possible 3, and empathy 3.18 out of a possible 5. There were significant differences in knowledge about cancer according to school grades and parents' interest in health management. Attitude about cancer showed significant differences according to harmony of family life, worries about cancer, school life, academic achievement, school parents' interest in health management and cancer education. Empathy showed significant differences according to school grades, gender, school life, harmony of family life, and parents' interest in health management. Attitudes about child with cancer showed significant differences according to school grades, school life, and parents' interest in health management. Knowledge about cancer and empathy showed a positive correlation with attitudes about child with cancer. Knowledge and attitude about cancer, and empathy showed a significant influence on attitudes about child with cancer. Conclusion: Results of this study indicate that development of an appropriate knowledge and attitudes about cancer, and empathy by late school-aged children should lead to the positive attitudes about child with cancer.

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이벤트 온톨로지 기반의 의미 정보 검색 (Semantic Search based on Event Ontology)

  • 한용진;박세영;이영화;김권양
    • 한국정보과학회논문지:컴퓨팅의 실제 및 레터
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    • 제14권1호
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    • pp.96-100
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    • 2008
  • 온톨로지는 웹과 데이타베이스에서 추출하거나 사람으로부터 직접 얻은 정보들을 기계가 접근할 수 있는 개념과 개념 간의 관계 정보로 표현한다. 온톨로지에서 표현된 개념과 관계 정보를 활용할 경우, 의미적인 관계에 따라 정보를 새롭게 재구성할 수 있다. 본 논문에서는 웹상의 인물검색 사이트에서 추출한 정보를 Protege API를 이용해 OWL기반의 IT-People Event Ontology의 스키마에 맞게 온톨로지화 한다. IT-People Event Ontology는 인물과 관련해 잘 변하지 않는 정보와 시간에 따라 변할 수 있는 사건 정보를 표현하고 있다. 이벤트 온톨로지에 기반한 의미 정보 검색은 입력 질의를 온톨로지에 정의된 의미관계에 따라 처리하고, 질의의 유형에 따라 이벤트 온톨로지에 있는 인물 정보를 검색해서 재구성된 결과를 보여준다. 따라서 기존 시스템들의 인물 검색 결과와 비교했을 때, 사용자의 질의 요구에 보다 적합한 검색 결과를 보여 준다.

인터넷 디지털 상품의 특성요인 분석 -온라인 커뮤니티의 고객수용성을 중심으로- (An Analyzing the Property Factors of Internet Digital Products Focusing on Customer acceptability of On-line Community Products.)

  • 채영일;이현수;서영호
    • 품질경영학회지
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    • 제32권4호
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    • pp.15-29
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    • 2004
  • This paper is interested in analyzing the CSFs of 3 different kinds of on-line digital products. They are on-line digital products of (1) transaction, (2) relations, and (3) interests. This study first tried to define the on-line digital products based in the above three categories and then to find the factors that might effect the customer acceptability in each product groups. Independent variables used in this study are characters of products, characters of users, and system environments. This paper that on-line survey has been conducted for the study's specialty and the collected resource was analyzed by using the SPSS 10.0K statistics package. Using multiple regression, this study finds that major factors effecting the user acceptability of each group are different from one another. For example, system environment variables such as speediness, system performance effects the customer acceptability of digital products of Interest(game, avartar, etc). Much more then that of products of relations(information service, etc). Therefore empirical findings are suggested in the conclusion.

Stationary Waiting Times in m-node Tandem Queues with Communication Blocking

  • Seo, Dong-Won;Lee, Ho-Chang;Ko, Sung-Seok
    • Management Science and Financial Engineering
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    • 제14권1호
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    • pp.23-34
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    • 2008
  • In this study, we consider stationary waiting times in a Poisson driven single-server m-node queues in series. We assume that service times at nodes are independent, and are either deterministic or non-overlapped. Each node excluding the first node has a finite waiting line and every node is operated under a FIFO service discipline and a communication blocking policy (blocking before service). By applying (max, +)-algebra to a corresponding stochastic event graph, a special case of timed Petri nets, we derive the explicit expressions for stationary waiting times at all areas, which are functions of finite buffer capacities. These expressions allow us to compute the performance measures of interest such as mean, higher moments, or tail probability of waiting time. Moreover, as applications of these results, we introduce optimization problems which determine either the biggest arrival rate or the smallest buffer capacities satisfying probabilistic constraints on waiting times. These results can be also applied to bounds of waiting times in more general systems. Numerical examples are also provided.