• 한국콘텐츠학회논문지
• /
• 제15권7호
• /
• pp.531-543
• /
• 2015

현재까지 서울 오피스 시장의 경우 관례적으로 고정된 보증금/월세 비율로 인해 보증금에 대한 이론적인 분석의 여지가 없었다. 하지만 본 연구는 글로벌 스탠다드인 점유비용의 개념을 도입하여 오피스 임대시장의 월세 미납 리스크에 대한 분석을 시도한다. 또한 정보비대칭 상황에서 보증금의 수준이 임차인의 역선택 문제를 해소하는 수단으로 사용될 수 있다는 Benjamin, Lusht, and Shilling(1998)의 견해에 따라 본 연구는 정보비대칭 상황인 서울 오피스 시장을 대상으로 보증금과 월세의 수준이 어떻게 정보비대칭 문제를 해결하는지 검증하고자 한다. 실증분석 결과 오피스 임대인들은 월세 미납 리스크를 헤지하기 위해 약 9%의 리스크 프리미엄을 점유비용에 부과하는 것으로 나타났다. 이러한 결과는 오피스 임대시장에서 보증금 및 월 임대료의 운용수익률을 산정할 때, 임차인이 가지는 월세 미납 리스크의 반영 수준을 추정할 수 있게 한다.

• The Journal of Asian Finance, Economics and Business
• /
• 제1권4호
• /
• pp.5-13
• /
• 2014

This study contributes to addressing the problem of an aging population by providing important information that determines feasible monthly payments for the clients of Chinese reverse mortgage products and by promoting the implementation of reverse mortgages in China. The variables used in this study include mean values obtained from time series data, of the rate of increase of housing prices, and the probability value, interest rate, and mortality rate obtained through the geometric Brownian motion (GBM). For mortality rates, China Life Insurance female mortality rates (2000-2003) were used. This study aims to apply the main variables that affect reverse mortgage products in a monthly payment model based on Chinese financial market conditions, and determine loan values. In this study, Shanghai's reverse mortgage monthly payments, by age levels, were calculated through the loan-to-value (LTV) and payment (PMT) methods to evaluate the value of the reverse mortgages. Based on the optimal combination of the three factors of payment amount, loan interest rates, and the level of acceptance of prices, efforts must be made to extract the best value for the elderly. Only in this way can the interests of both lenders and borrowers be protected, by increasing the market share and economies of scale of the reverse mortgage industry and effectively improving the living standards of the elderly.

• Journal of Preventive Medicine and Public Health
• /
• 제43권1호
• /
• pp.35-41
• /
• 2010

Objectives: In Korea, the top 10% of Medical Aid recipients represent nearly 60% of total payment, with the costs for those disabled for over 365 days representing approximately 30% of total payment. The purpose of this study was to compare Medical Aid use of the disabled with non-disabled recipients, and to identify contributing factors to the total payment in the top 2% of recipients identified as Medical Aid overusers. Methods: Subjects (n=2,211) selected were ${\geq}18$-years-of-age and received >1000 days of co-payment-free type I Medical Aid. Case managers (n=200) conducted interviews in December 2006, and collected data from Health Insurance Review & Assessment Service. Amounts over the 9 months from January September 2006 were analyzed descriptively and using Chi-square, ANCOVA, and robust multiple linear regression. Results: Disabled individuals (mean age 61.3 years) composed 36.6% of subjects; 44.8% of the disabled were male. On a monthly basis per capita, the disabled group averaged 10.5 outpatient days, total payment of 523,000 Korean Won(￦), inpatient payment of ￦359,000, and outpatient payment of ￦183,000. All values exceeded the monthly average for non-disabled individuals. Contributing factors were identified as male gender (￦82,000), elementary school or lower educational level (￦64,000), residence in a small city (￦82,000), lack of family support (￦61,000), kidney disability (￦673,000), intellectual disability (￦151,000), and multiple disabilities (￦119,000). Conclusions: The identification of contributing factors to Medical Aid use by those defined as disabled supports the adoption of comprehensive alternative policies such as strengthening of education and consultation services, provision of alternative facilities, and promotion of self-care.

• 디지털정책학회지
• /
• 제2권1호
• /
• pp.1-7
• /
• 2023

본 중국에서는 시중은행들이 모바일뱅킹을 출시하고 있으며, 동질화된 상품으로 모바일뱅킹 경쟁이 치열하다.모바일뱅킹 월간 활성고객(MAU)은 모바일뱅킹 운영 성과를 평가하는 중요한 지표로 시중은행들이 직면한 과제이다.본 연구의 목적은 자동판매기를 이용하여 모바일뱅킹의 월간 고객활성화를 위한 전략을 모색하는 것이다. 본 연구는 문헌법과 사례법을 통해 연구를 수행하였으며, 연구 결과에 따르면 자동판매기를 사용하면 모바일뱅킹의 월간 활성고객을 효과적으로 향상시킬 수 있을 뿐만 아니라 차별화된 전략을 실현하여 모바일뱅킹 시장을 점유할 수 있다.동시에 이 연구는 상업 은행의 비즈니스 발전에 일정한 도움과 지도 의의가 있다.

• 한국IT서비스학회지
• /
• 제17권1호
• /
• pp.155-170
• /
• 2018

This study examines a data-driven approach for software test automation at an online shopping site. Online shopping sites typically change prices dynamically, offer various discounts or coupons, and provide diverse delivery and payment options such as electronic fund transfer, credit cards, mobile payments (KakaoPay, NaverPay, SyrupPay, ApplePay, SamsungPay, etc.) and so on. As a result, they have to test numerous combinations of possible customer choices continuously and repetitively. The total number of test cases is almost 584 billion. This requires somehow automation of tests in settling payments. However, the record playback approach has difficulties in maintaining automation scripts due to frequent changes and complicated component identification. In contrast, the data-driven approach minimizes changes in scripts and component identification. This study shows that the data-driven approach to test automation is more effective than the traditional record playback method. In 2014 before the test automation, the monthly average defects were 5.6 during the test and 12.5 during operation. In 2015 after the test automation, the monthly average defects were 9.4 during the test and 2.8 during operation. The comparison of live defects and detected errors during the test shows statistically significant differences before and after introducing the test automation using the data-driven approach.

• 한국직업건강간호학회지
• /
• 제19권2호
• /
• pp.246-257
• /
• 2010

Purpose: The purpose of this study was to explore the factors related to physical and affective well-being of taxi drivers. The main factors of interests were workplace hazards and work environment. Method: This was a cross-sectional descriptive study. A convenience sampling method was utilized. 181 taxi drivers in Seoul metropolitan area completed survey questionnaires. Result: In bivariate analysis, payment system, workplace hazards, and work environment were associated with physical health of taxi drivers. Multiple regression analysis revealed payment system and workplace hazards were significant predictors of physical health. On the other hand, age and workplace hazards, and work environment were significantly associated with affective health in the bivariate analysis. Moreover, workplace hazards and environment were significant predictors of affective health in the multiple regression analysis. Conclusion: To improve taxi drivers' health status, it is critical to reform payment system to monthly payment, establish prevention policies of workplace hazards, and encourage employers and taxi drivers to make efforts for better work environment.

• 한국경제지리학회지
• /
• 제13권4호
• /
• pp.548-560
• /
• 2010

이 논문은 농지 역모기지의 월지급금을 추정하고, 농지 역모기지 도입 이후 농촌지역 원활한 구조조정을 위한 정책적 고려사항들을 검토하는 것을 목적으로 한다. 농지 역모기지는 농촌지역 고령자들에게 농지와 같은 고정자산을 담보로 안정적인 월소득 기반을 제공해 준다. 본 연구의 주요결과는 다음과 같다. 첫째로, Rodda et al.(2003)이 제안한 주택지분전환모형에 기초하여 농지 역모기지(FRM)모형을 개발하고, 농지가치 상승률, 이자율 등 모형에 들어가는 변수들을 예측하였으며, 이를 통해 생애 연지급금계획모형을 적용하여 적절한 월지급금을 추정했다. 이에 따라 농지가치가 1억 원일 때, 65세, 75세, 85세 고령자가 받는 월지급금은 각각 46,982원, 419,374원, 757,379원으로 추정되었다. 둘째로, 성공적인 농지 역모기지의 도입과 농촌지역 구조조정을 위한 정책적 고려사항으로 다음 3가지를 제안했다. 첫째는 농촌 고령자를 위한 통합자산관리시스템을 개발해야 하고, 둘째는 기업농체제의 합리적인 정착방안을 마련해야 하고 것, 셋째는 농촌 토지이용계획 수립을 위한 선제적 대응방안을 마련해야 할 것이다.

• 가정과삶의질연구
• /
• 제26권5호
• /
• pp.109-127
• /
• 2008

There are few studies on the characteristics of debtors in individual rehabilitation procedures, though research in this field is needed. The scarcity of research means that public policy and perception are being made with inadequate information and, to a certain extent, based on personal prejudices and misconceptions. The purpose of this study was to find out demographic, economic and psychological characteristics of debtors in individual rehabilitation procedures. For this study, an in-depth interview was used. The major findings were as follows : The focus of this study is debtors in individual rehabilitation procedures. They were all under 40 and received relatively high educations. Interestingly, they showed a high tendency to use debt and an inability to manage their money. They had short time horizons and imperfect self-control in consumption and borrowing decisions. Monthly income, expenditures, asset and debt of the debtors, and monthly payment to creditors were reported. There were a lot of reasons for their bankruptcy : business failure, job loss, the cost of raising children, and expenditures for entertainment causing them to file for individual rehabilitation procedures. One of the major conclusions of this study was the discovery that their psychological characteristics were nearly the same. The implications of the study suggest that financial education and counseling must consider psychological characteristics.

• 한국의류산업학회지
• /
• 제3권3호
• /
• pp.249-256
• /
• 2001

This study was to investigate difference across socioeconomic groups in factors of purchase intention of apparel in internet shopping mall and in satisfaction were internet shopping mall. A questionnaire was administered to collage students majoring in fashion design during May of 2001. Data was analyzed by using Factor analysis, T-test, one-way ANOVA, Duncan test, ${\chi}^2$-test. Factor analysis yield three factors of purchase intention, purchase stimulus, convenience and economic and rationality. Significant differences were found across levels of monthly pocket money and types of payment for purchase apparel of internet shopping mall purchase stimulus (factor 1). In convenience and economics (factor 2), differences were also significant across levels of purchase frequency, product price and payment ways of internet sopping mall. Significant difference was identified across sex type and levels of product price purchased in internet shopping mall (factor 3). Regarding internet shopping mall satisfaction, differences were significant across levels monthly pocket money and apparel purchase frequency of in internet shopping mall.

• 농촌의학ㆍ지역보건
• /
• 제46권1호
• /
• pp.12-22
• /
• 2021

의료 공급자인 의사의 급여수준을 파악하는 것은 매우 중요한 보건의료 정책연구의 주제 중의 하나이다. 이 연구는 봉직의사의 급여 수준의 기술적 분포를 파악하고, 봉직의사의 급여수준에 영향을 미치는 결정요인을 도출하였다. 연구대상 자료는 '초빙닷컴(www.chobing.com)'의 의사 초빙정보 사이트에서 2016년 5월부터 2019년 5월까지 게시된 4,014개의 구인광고 건 사례였다. 이 연구는 단면연구로 봉직의사의 구인 광고에 제시된 월평균 급여액을 종속변수로 초빙전문과목, 근로 지역, 채용 시기, 당직 여부, 사택여부, 퇴직금 제공 여부, 추가적인 인센티브 제공여부 등을 독립변수로 단변량 분석과 다중회귀 분석을 실시하였다. 연구의 주요결과는 첫째, 봉직의사의 월평균 급여는 1,540만 원, 표준편차 390만 원이었고, 전문과목별 월평균 급여는 정형외과가 2,124만 원으로 가장 높았고, 진단검사의학과가 1,140만 원으로 가장 낮았다. 지역 별로 경남이 1,708만 원으로 가장 높았고, 서울이 1,405만 원으로 가장 낮았다. 둘째, 단변량 분석에서는 평균 급여의 경우, 외과계, 기타 과, 내과계 순으로 유의한 차이가 있었으며(p<0.05), 비메이저 과목, 지역이 도일수록, 영·호남일수록, 야간 당직이 없을수록, 사택 제공이 있을수록, 퇴직금이 없을수록, 인센티브가 있을수록 유의하게 높았다(p<0.05). 표준화 급여에서는 외과계, 내과계, 기타 과 순으로 유의한 차이가 있었으며(p<0.05), 비메이저 과목일수록, 도일수록, 제주 및 영·호남 순으로, 시기별로는 1분기와 3분기일수록 유의하게 높았다(p<0.05). 셋째, 다중회귀분석 결과, 평균 급여는 비메이저 과목일수록, 사택 제공이 있는 경우, 퇴직금이 없는 경우, 인센티브가 있는 경우가 유의한 기여 변수였으며(p<0.05), 표준화 급여에서는 비메이저 과목일수록, 인센티브가 있을수록, 지역이 도일수록 유의한 기여변수로 도출되었다(p<0.05). 따라서 이 연구는 전문과목별, 지역별, 기타 사택 제공 여부, 퇴직금 지급 여부, 기타 인센티브 지급여부 등이 결정요인임을 확인하였다. 그러나 이 연구는 단면연구로서 추후 보다 심층적인 연구가 요구된다.