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배근호 ( Bae Gun-ho ) 동의대학교 경제경영전략연구소 2014 經濟經營硏究 Vol.9 No.2
This Study has analyzed empirically about the effects of activation of ship finance on Busan area, and suggested policy implications to government policy maker. After we made an actual proof analysis of their ripple effects by assuming the alternatives to promote ship finance, it was analyzed that if we invest in a project planned for fostering the ship finance in Busan region(policies for activating ship finance), the effects on production inducement, working inducement and employment inducement would be 1,564.1 billion won, 7,842 persons, and 6,968 persons, respectively. Considering an industrial structure of the Busan region, an increase of production in the shipping industry leads to the increase of production in the marine transport industry, and the shipping industry has a structure that requires supports of finance and insurance industry as well as those of general machinery and metals industries in order to achieve its production increase.
4차 산업혁명에 따른 새마을금고의 대응 전략에 관한 연구
배근호 ( Bae Gunho ) 동의대학교 경제경영전략연구소 2018 經濟經營硏究 Vol.13 No.1
This study has analyzed the success stories of the financial sector using the Big Data Analysis among the 4th Industrial Revolution Factor Technologies and presented strategic tasks to apply them to the MG Bank. Based on Big Data, It set up a strategic direction to provide customized financial services and develop customized products that reflect the 2030 lifestyle. It was also suggested that the public financial information system should be established and the related staff's expertise and related organization should be established. It can be used for precise customer fraud detection and prevention system for big data based customer risk management. In addition to being able to apply credit risk to customers who tend to oversubscription, It is also possible to apply credit analysis to develop customer's credibility from SNS, psychology, personality, behavior etc.
풍력발전기 모사 시스템에서의 균열 결함 진단에 대한 연구
배근호(Keun-Ho Bae),박종원(Jong-Won Park),김봉기(Bong-Ki Kim),최병오(Byung-Oh Choi) 한국신뢰성학회 2014 신뢰성응용연구 Vol.14 No.4
An experimental gear-box was set-up to simulate the real situation of the wind-turbine. Artificial cracks of different sizes were machined into the gear. Vibration signals were acquired to diagnose the different crack fault conditions. Time-domain features such as root mean square, variance, kurtosis, normalized 6th central moments were used to capture the characteristics of different crack conditions. Normal condition, 1 mm crack condition, 2mm crack condition, 6mm crack condition, and tooth fault condition were compared using ANFIS and DAG-SVM methods, and three different DAG-SVM models were compared. High-pass filtering improved the success rates remarkably in the case of DAG-SVM.
서민대출시장에서 정보비대칭에 의한 역선택효과에 대한 연구
김성태(Sungtae Kim),배근호(Gunho Bae) 한국FP학회 2015 Financial Planning Review Vol.8 No.3
본 연구에서는 국내 대표적인 서민금융기관인 신협을 중심으로 대출시장에 존재하는 역선택효과를 검증하였다. Stiglitz & Weiss(1981)는 정보의 불완전성하에서 존재하는 차입자의 역선택적 행태에 의해 대출이자율의 상승은 대출자인 금융기관의 수익성 증가가 아닌 오히려 수익성 악화를 초래할 수 있다는 점을 지적하였다. 본 연구에서는 신협의 공시자료를 바탕으로 2000년 1분기부터 2014년 4분기까지를 분석자료로 사용한 패널 회귀분석을 실시하였다. 종속변수로는 대출자산의 건전성을 나타내는 연체대출비율과 순고정이하여신비율, 수익성을 나타내는 총자산순이익율을, 주요 설명변수로는 대출이자율과 대출이자율의 이차항을 적용하였다. 실증분석결과, 신협의 대출시장에 차입자의 역선택이 존재하는 것으로 나타났다. 또한 대출이자율이 자산건전성과는 U자형 비선형관계를, 수익성과는 역U자형 비선형관계를 지닌 것으로 나타났다. 이러한 결과는 Stiglitz & Weiss(1981)가 언급한 정보비대칭성에 의한 역선택효과가 신협의 대출시장에 존재함을 의미한다. 다만, 본 연구는 신협의 데이터를 사용하여 역선택효과를 검증한 것이므로 다른 데이터를 사용할 경우 결과는 달라질 수 있다는 점에서 역선택 효과의 강건성에 대한 주의 있는 해석이 필요하다. This study verified typical adverse selection effects in the loan markets focusing on the credit unions. Stiglitz and Weiss(1981) pointed out that the rise of loan interest rates could lead to deterioration of profitability of those institutions rather than the improvement of the profitability of financial institutions which resulted from adverse selection of borrowers under the incomplete information. In this context, Empirical analysis was conducted using a panel regression method based on the quarterly data published in credit unions from 2000 to 2014. The results indicated that the hypothesis of adverse selection of borrowers appears to exist in the loan market of credit unions. In addition, the results showed that the loan interest rate showed U-shaped nonlinear relationship with asset quality, and a non-linear inverse U-shaped relationship with profitability. These results imply that the adverse selection effects claimed by the Stiglitz and Weiss (1981) exist in the loan market of the credit unions.
정석민 ( Jung Seok-min ),배근호 ( Bae Gun-ho ) 동의대학교 경제경영전략연구소 2014 經濟經營硏究 Vol.9 No.1
This study introduces the basic concepts of Islamic finance, and reviews the type of the products, and characteristics of Islamic finance, also examines the process of the development of Islamic finance. This paper investigates about the development of the Malaysian Islamic financial markets as well as the UK, France, Japan and other non-Islamic countries as case studies. In the case of the introduction of Islamic finance in Korea, It will happen the unexpected problems and issues as some side effects. In this context, We suggest some tips through this research. First, It is required deep understanding and interests about the Islamic finance through related symposium, and international cooperation, business partnership with leading Islamic financial institutions and so on. Second, It should be created in advance the favor conditions and systems that the Islamic financial products and institutions are available in Korea. Third, Professional manpower and education about Islamic finance is needed in order to operate Islamic financial instruments easily.
독립대리점의 수수료체계가 보험시장에 미치는 영향과 개선방안
마정락 ( Ma Jung-lak ),배근호 ( Bae Gun-ho ) 동의대학교 경제경영전략연구소 2013 經濟經營硏究 Vol.8 No.2
This paper analyzed the impacts of the GA commission system emerging as a new channel in the insurance industry and found efficient points to improve. The current GA commission system played a good role as a driving force of growth and development of insurance industry, but with the increasing complaints of insurance customers, various problems is derived from disorder in the process of customer recruitment. Through this research, the importance of the role of financial regulators and insurance companies should be addressed in order to complement the GA channel recruitment of the insurance market and improve customer satisfaction with development of a reliable insurance fee system. In addition, the results of this paper suggest good guideline when the financial supervisory authorities determine important policy, and management efficiency in GA insurance companies be deemed to be a good reference.
인터넷전자상거래연구와 유사 학술지 간의 특화된 학술적 공헌도에 관한 비교연구
박기남(Kinam Park),배근호(Gunho Bae) 한국인터넷전자상거래학회 2011 인터넷전자상거래연구 Vol.11 No.4
The purpose of this study is to analyze the trend and difference between journal of Internet electronic commerce research and other similar academic journals from 2010 in terms of specialized academic contributions. In order to compare fairly each journal, we tried to extract the common classification system of each journal by reviewing the published papers on the research trend of each journal. This study used the 7 common characteristics of the classification system such as research topic, research method, level of analysis, reference discipline, number of issues and papers, author analysis, internationality analysis. Using the results of comparing the specialties of each journal, we addressed the problems in the journal of Internet electronic commerce research and suggested several recommendations for the future of the journal of Internet electronic commerce research.