중국 펀드투자자의 투자교육경험 및 의향에 따른 펀드투자행동

이주정(Li Shu Jing),김민정(Min Jeung Kim) 한국FP학회 2016 Financial Planning Review Vol.9 No.1

본 연구에서는 중국의 펀드투자 경험이 있는 금융소비자를 대상으로 펀드투자 관련 교육의 경험과 의향에 따라 ‘투자교육 경험집단’, ‘투자교육 잠재집단’, ‘투자교육 무관심 집단’으로 분류하여 펀드투자행동에 어떠한 차이가 있는지를 살펴보았다. 이로써 투자교육과 의향이 펀드투자자의 행동에 어떻게 반영되고 있는지를 파악하고 향후 중국금융소비자들의 투자교육에 대한 기초자료를 제공할 수 있을 것으로 생각된다. 본 연구의 결과를 바탕으로 중국의 펀드투자시장에 대한 제언을 하면 다음과 같다. 첫째, 중국의 펀드투자자는 정보획득과정에서 스스로 정보를 탐색하기보다는 주변 사람을 의존하여 소극적으로 탐색하는 편이다. 따라서 투자자들에게 정확한 정보를 제공하기 위해 접근성이 좋은 채널 확보와 만화나 스마트폰 앱 등과 같이 보다 쉬운 방식으로 관련 내용을 전달할 수 있도록 노력하여야 한다. 둘째, 모든 집단에서 투자자정보 확인서 작성, 투자자성향진단, 투자설명확인서 확인 등에 대해 솔직하게 작성하지 않는 투자자 존재하였으나, 투자교육을 받은 집단이 다른 집단에 비해 그 비중이 상대적으로 더 적었다. 이는 금융회사나 중국소비자협회에서 투자자들에게 투자관련 교육을 제공하여 금융소비자의 책임감을 이끌 수 있음을 의미한다. 셋째, 금융소비자로서 이행해야 하는 행동을 올바르게 수행한 비중은 투자교육 경험집단, 투자교육 잠재집단, 투자교육 무관심집단의 순으로 나타났다. 따라서 향후 투자교육 대상자를 선정할 경우 그 효과가 높을 것으로 예상된다. This study targets China’s fund investors, with the aim of studying investment behavior with regard to the fund-purchasing process. In particular, the study focuses on the investment behavior and its dependence on the experience and intentions of fund invest education. The findings suggest the necessity of fund education, and fund education should be treated as a basic material. The results of this study are summarized as follows: First, based on the fund investment behavior results, the “source of information on the fund” before purchase for the “education group” was mainly from the financial institutions’ specific instructions, as well as the company’s website, whereas the “potential educational group” mainly used Internet information. When registering a fund, the first consideration of the “unconcerned with education group” was the company’s reputation regarding operational fund assets, with 32.4 percent indicating this, which is higher than for the other two groups. Before purchasing a fund, 32% of investors compared four or more different funds for the “education group” and the “potential educational group,” as opposed to only 13.2% for the “unconcerned with education group”. Second, with regard to investors who buy funds through financial institutions, the investment behavior when purchasing a fund and the reasons for the financial institutions selected can be divided into three categories: for the “education group,” the major reason is to select the type of commodity; for the “unconcerned with education group,” the major reason is proximity to home or company; and the “potential education group” pays attention to the qualifications of the sales staff qualifications. A higher proportion of the education group checks the qualifications of sales staffs, avoids fund companies that have received negative news recently, confirms investment instructions carefully, and asks for further explanation if they do not understand. Based on these results, fund education plays a key role in determining fund purchasing, and has an important and positive impact on investment behavior. In addition, fund education for those purchasing funds through networks also plays a key role. Third, in examining the results on whether or not investors check the management report, the “education group” and the “unconcerned with education group” have a higher relative proportion. The “education group” members are educated so they read the management report, which further demonstrates the need for education. For the “unconcerned with education group,” although they have a high proportion who read the management report, their lack of intention to seek further education reflects their over confidence in understanding fund products. In reviewing the results on the frequency of investment achievement and assets constitute content confirming, the “education group” and the “potential education group” do not often confirm investment results, which is consistent with Park (2015), who examined investment in education of those showing over confidence. The “unconcerned with education group,” in comparison with the other groups, confirm the outcome of investments relative to the high frequency. Several recommendations are presented based on these conclusions.: First, in order to provide accurate information to fund investors, financial institutions need to establish easily accessible channels, such as comic books and mobile phone software. Second, in investor information confirmations, tendency determinations, instructions confirmations, and other processes, there are no real circumstances of individual consummation. The correct use of specific educational content will correct investment behavior. Third, among the fund investors, few correctly performed the action, with the proportions increasing in the order of the “education group,” “potential education group,” and the “unconcerned with education group.” The “potential education group” can be better p

論韓國古代端午的活動內容及特點

徐毅(Xu Yi),李姝雯(LI Shu Wen) 고려대학교 한자한문연구소 2015 동아한학연구 Vol.- No.10

E-band Bøifot 직교모드변환기 설계

이주(Li-Shu),노재우(Jae-Woo Noh),바양뭉흐 엥흐바야르(Bayanmunkh Enkhbayar),방재훈(Jae-Hoon Bang),안병철(Bierng-Chearl Ahn) 한국정보기술학회 2016 한국정보기술학회논문지 Vol.14 No.8

In this paper, a wideband Bøifot ortho-mode transducer operating at the E-band is designed and fabricated. The proposed ortho-mode transducer consists of a polarization separation section having dual ridges and a T-shaped divider, 6 E-plane bends and an Y-shaped junction. A common port of the ortho-mode transducer is employed with the square waveguide having dimensions of 3.1×3.1mm and its side/straight ports are implemented with the WR-12 rectangular standard waveguide. In designing the ortho-mode transducer, each component is individually optimized and then the overall configuration is assembled. The effects on the major parameters are analyzed with the parametric-sweep methods for the combined structure. The optimally designed ortho-mode transducer is fabricated with 2 split blocks. The fabricated ortho-mode transducer has a reflection coefficient of less than -15dB, a transmission coefficient of less than 0.4dB and an isolation between ports of greater than 32dB over the frequency range 60-95GHz.

RFID 측정 시스템을 위한 고이득 원편파 야기 배열안테나 설계

채윤경(Yoon-Kyoung Chae),이주(Li-Shu),신애령(Ai-Ling Shen),이형진(Jiong-Chen Li),안병철(Bireng-Chearl Ahn) 한국정보기술학회 2017 한국정보기술학회논문지 Vol.15 No.4

In this paper, a high-gain circularly-polarized Yagi array antenna is designed for implementing a UHF RFID measurement system. The proposed antenna consists of a common square reflector, four Yagi elements and a feed network. A single Yagi element consists of a common square reflector, a folded dipole fed by electromagnetic coupling with a strip line, and 11 directors. The circularly-polarized wave is obtained by installing four Yagi elements at 90° intervals on the common square reflector and by providing sequentially 90° phase delays. The directors are fastened on the aluminum mast by bolting to obtain mechanical firmness. The feed network consists of three commercial 90° hybrid coupler and one 90° phase delay line for realizing circularly-polarized waves. The optimal designed antenna is fabricated and measured for verifying its performances. The fabricated antenna has shown that it has a reflection coefficient of less than –15dB, a circular polarized gain of greater than of 15dBic, a half power beamwidth around 30° and an axial ratio of less than 1dB.

UHF 대역 RFID용 광대역 원편파 안테나 설계

임재홍(Jae-Hong Lim),왕가남(Jianan Wang),이주(Shu Li),방재훈(Jae-Hoon Bang),안병철(Bireng-Chearl Ahn) 한국정보기술학회 2016 한국정보기술학회논문지 Vol.14 No.1

In this letter, a broadband circularly-polarized antenna is proposed for UHF RFID applications. The proposed antenna consists of three substrates, a metal cavity and four metal posts. The parasitic patch and radiation patch are realized on the upper and intermediate substrates, respectively. The 50-Ω feeding line puts on the lower substrate and provides successive 90° phase delays to the radiating patch through four metal posts. The width of the feeding line and a size of the radiating patch are firstly calculated with respect to the equivalent dielectric constant obtained from the commercial software. The optimally designed dimensions of the proposed antenna are obtained from the parametric studies. The optimally designed antenna is fabricated and measured to confirm its performances. Measurements show that the fabricated antenna has a reflection coefficient of less than -10dB over 735-979MHz, an axial ratio less than 5dB over 760-930MHz.

저후엽 특성을 갖는 전방 급전 반사경 안테나 설계

이광원(Kwang-Won Lee),최순우(Swoon-Woo Choi),박철수(Cheol-Su Park),이주(Shu-Li),정용선(Yong-Sun Jung) 한국정보기술학회 2015 한국정보기술학회논문지 Vol.13 No.6

In this paper, We propose a prime-focus reflector antenna having a low back-radiation pattern at 18-GHz. The proposed antenna consists of a parabolic reflector, a small feed, a metallic shroud, a radio absorber and a sheet radome. The commercial software, Microwave Studio<SUP>TM</SUP> v. 2012 by CST, is employed in the design of the reflector antenna and the feed. In the initial design, the design specifications of the feed is acquired from the information of the reflectors diameter and focal length. The feed is minimized by employing a choke, a slit and a dielectric slab on the circular waveguide. The metallic shroud and radio absorber are employed on the reflectors edge for reducing the sidelobe and back-radiations. The feed and reflector antenna are fabricated and measured. The fabricated feed has a -10dB reflection coefficient over 15.7-20.6GHz. The fabricated reflector antenna has a -10dB reflection coefficient over 15.8-20.7GHz and satisfies the radiation envelope of the ETSI class-2. The measured efficiencies of the reflector are above 48% from 17.5GHz to 19.5GHz.