뉴노멀시대에 있어서 물류 관련 학과의 온라인교육 경험

배수현,Bae, Soo Hyun 한국포장학회 2020 한국포장학회지 Vol.26 No.3

The purpose of this study is to share the experience of online education with departments related to the servic industry, such as distribution and logistics, in the New Normal Age of COVID-19 pandemics. The graduation presentation project, which is the capstone design subject and the most urgent subject for face-to-face classes, was selected as the online education subject of this study. The results of this study are as follows : First, several online class tools, such as Zoom, Microsoft Teams, and Google Meet, have also been shown to be applicable to capstone design subjects such as graduation presentation projects. Second, it is essential to reorganize the curriculum to enhance students' ability to practice and utilize online contents. Third, continuous education and training are needed to make easy use of the aforementioned online teaching tools. Meanwhile, fourth, further research is needed to solve the learning effects caused by online learning, and difficulties in communication.

하부전극 산소 열처리를 통한 강유전체 터널접합 구조 메모리 소자의 전기저항 변화 특성 분석

배수현,윤소정,민대홍,윤성민,Bae, Soo Hyun,Yoon, So-Jung,Min, Dae-Hong,Yoon, Sung-Min 한국전기전자재료학회 2020 전기전자재료학회논문지 Vol.33 No.6

To enhance the tunneling electroresistance (TER) ratio of a ferroelectric tunnel junction (FTJ) device using Al-doped HfO₂ thin films, a thin insulating layer was prepared on a TiN bottom electrode, for which TiN was preliminarily treated at various temperatures in O₂ ambient. The composition and thickness of the inserted insulating layer were optimized at 600℃ and 50 Torr, and the FTJ showed a high TER ratio of 430. During the heat treatments, a titanium oxide layer formed on the surface of TiN, that suppressed oxygen vacancy generation in the ferroelectric thin film. It was found that the fabricated FTJ device exhibits two distinct resistance states with higher tunneling currents by properly heat-treating the TiN bottom electrode of the HfO₂-based FTJ devices in O₂ ambient.

코로나시대 물류 서비스 관련 분야 직장인의 언택트 업무 사례 연구

배수현,Bae, Soo Hyun 한국포장학회 2020 한국포장학회지 Vol.26 No.3

The purpose of this study was to research the status of logistic service-related workers about untact works by case study in the Era of COVID-19. An experimental design was used by case analysis of interviews with ten office workers from May to June 2020. The results of this research were divided into three categories: work environment, work management and work effect. First, teleworking has a significantly positive influence on business efficiency about work environment. ZOOM, One drive, Skype, Chatbot, Microsoft Teams and Remote view are used as collaborative applications. Second, work instructions in documents are needed such as e-mail and messenger using information and communication technology about work management. Third, the strong points of teleworking are both high work efficiency and job satisfaction about work effect. The weak points of teleworking are both very low-technology and misunderstanding about work effect. The result offer some insights into the case study of logistic service-related workers about untact works. Based on the results, the implications and the limitations of this study were discussed.

은행의 자산운용의 위험성이 수익성에 미치는 영향

배수현 ( Soo Hyun Bae ),김종두 ( Jong Doo Kim ) 한국세무회계학회 2013 세무회계연구 Vol.0 No.38

본 연구는 은행의 주요 위험 자산인 가계대출과 기업대출 및 유가증권 투자 비중이 수익성에 미치는 영향을 분석한 연구이다. 이들 자산의 위험도는 BIS비율 측정에서 위험가중치에 차이가 있으며 이들 자산의 투자 비중은 은행의 위험 수용과 수익률 인식에 따라 차이가 있을 것이다. 즉 은행의 위험자산을 저위험인 가계대출과 중위험인 기업대출 및 고위험인 유가 증권 투자로 구분하고 이들 투자비중이 은행의 수익성에 어떤 영향을 미치는지 분석하였다. 총자산순이익률과 위험자산 투자 비중의 관계분석에서 위험도가 가장 높은 유가증권 투자 비중은 유의한 양(+) 관계로 나타나 유가증권 투자 비중이 높을수록 은행의 총자산순이익률이 증대하고 있다. 가계대출 비중의 회귀계수는 음(-)의 관계로 가계대출 비중이 높을수록 은행의 수익성이 감소하는 것으로 나타나고 있으며, 기업대출의 회귀계수는 양(+)의 관계로 나타나고 있으나 통계적 유의성은 없다. 구조적이익률과 위험자산 투자 비중의 관계분석에서 통계적으로 유의한 관련 변수는 없는 것으로 나타나고 있다. 유가증권 투자 비중의 회귀계수는 양(+)의 관계로 나타나며, 가계대출 비중과 기업대출 비중은 음(-)의 관계로 나타나고 있으나 통계적 유의성이 없다. 이러한 결과는 은행이 일정수준의 위험을 감내하면서 수익을 추구해야 하며, 위험을 수용하지 않고는 그에 상응하는 수익을 기대할 수 없다는 위험-기대수익 상충관계에 부합되는 결과라고 할 수 있다. This study was performed to analyse effects of the bank`s asset management, such as the housing and consumer loan, corporate loan and investment in securities, on profitability. It seems that the asset risk shows a different weight in accordance with the measurement of the BIS ratio, and that the investment proportion of these assets should vary depending on the risk acceptance and profitability understanding of the bank. Explicitly, this study was carried out by categorizing the risk assets of the bank into the housing & consumer loan as the lowest risk level, the corporate loan as the middle risk level, and the investment in securities as the highest risk level, and then by analysing the effects of their proportion of investment on the bank profitability. When relations between the return on assets and the investment proportion of risk assets were analysed, it was shown that there was a significant positive (+) relation in the proportion of investment in securities which had the highest risk. The higher the proportion of investment in securities, then, the more the bank`s return on assets. There was a negative (-) relation in the regression coefficient of the proportion of the housing and consumer loan. It indicated that the higher the proportion of the housing and consumer loan, the lower the bank`s profitability. The regression coefficient of the proportion of the corporate loan showed a positive (+) relation, but there was no a statistic significance. It was shown that there was no a statistically significant coefficient when the relation between structural income and the investment proportion of risk assets was analysed. There was a positive (+) relation in the regression coefficient of the proportion of investment in securities, while the proportions of the housing and consumer loan and the corporate loan showed a negative (-) relation. But there was no any statistic significance in both of them. Eventually the above findings seem to coincide with the trade-off of the risk and expected earnings, indicating that the bank should seek profits while accepting a certain level of risk and could never get profits without accepting some risk.

코로나19 뉴노멀 시대의 온라인 전시회 운영에 관한 연구

배수현 ( Bae¸ Soo Hyun ) 한국이벤트컨벤션학회 2020 이벤트 컨벤션 연구 Vol.16 No.4

Purpose - The purpose of this study is to find out the status of online exhibition in the era of new normal after COVID-19 by case study on the online academic convention of Y college. This research is performed to examine the management of online graduation exhibition in the era of new normal after COVID-19. Design, data, and methodology -An experimental design was used by case analysis of Online academic convention at Y College. Result - The results showed that, first, this research is performed to manage online graduation exhibition instead of offline graduation exhibition. It will be available to use online forum, webina and online seminar as a class. Second, it is necessary to reorganize curriculum development to increase the production of online contents and practical use of ability. Third, it must be used to study of lecture, feedback, sharing data, interaction. Also, it is not satisfied to learning effect, communication and technical problem in online academic convention. It is necessary to active mutual communication and discussion. Conclusions - The result offer some insights into the management of online exhibition.

대출행태지수와 저축은행 신용위험 간의 관계

배수현(Bae, Soo - Hyun) 한국산업비즈니스학회 2021 한국비즈니스연구 (비즈니스연구) Vol.5 No.2

본 연구는 저축은행을 대상으로 대출행태 서베이 지수를 활용하여 신용위험 간의 관련성을 추정하고자 한다. 패널데이터를 이용하여 고정효과모형으로 분석하였다. 분석결과를 요약하면 다음과 같다. 첫째, 대출태도지수와 고정이하여신비율 간의 관계는 유의한 양(+)의 관계로 추정되었다. 이는 은행들이 대출조건을 완화할수록 부실채권이 증가함에 따라 향후 저축은행의 대출정책을 조절할 필요성이 제기된다. 둘째, 대출수요지수와 고정이하여신비율 간의 관계는 유의한 음(-)의 관계로 추정되었다. 이는 예상과는 달리 대출수요가 늘수록 부실채권이 감소하는 것으로 나타났는데, 대출수요가 늘수록 저축은행 입장에서 좀 더 리스크가 낮은 안정적인 차주에게 선택적으로 신용공여가 이루어진 결과로 예측된다. 셋째, 가계대출비중과 고정이하여신비율 간의 관계는 유의한 음(-)의 관계로 추정되었다. 가계대출 비중이 증가할수록 고정이하여신비율이 감소하는 것은 기업대출보다 상대적으로 안정적인 가계대출 증가가 부실채권 감소로 나타났다. 또한 기업대출비중과 고정이하여신비율 간의 관계는 유의한 음(-)의 관계로 추정되었다. 가계대출에 비해 상대적으로 신용위험이 높은 기업대출 증가로 인해 부실 채권이 증가할 것으로 예측되었으나 예상과는 다른 결과를 보였다. 이러한 결과는 저축은행이 구조조정을 거치면서 신용리스크 관리가 체계적으로 이루어진 결과로 해석된다. 이러한 연구결과는 저축은행 대출행태에 따라 부실화 가능성을 예측해 볼 수 있으며, 향후 저축은행업계에 대출 리스크관리 정책과 관련한 방향성을 제시할 수 있을 것이다. The purpose of this study is to analyze the relationship between the loan behavior survey index and credit risk. The panel data were analyzed using a fixed effects model. The analysis results are summarized as follows. First, the relationship between the loan attitude index and the substandard and below loan ratio was estimated to be a significant positive (+) relationship. This raises the need to adjust the loan policies of savings banks. Second, the relationship between the loan demand index and the substandard and below loan ratio was estimated to be a significant negative relationship. This is expected to be the result of extending credit to stable borrowers with low risk as loan demand increases. Third, the relationship between the ratio of household loans and the ratio of substandard and below loans was estimated to be a significant negative relationship. The relationship between the proportion of corporate loans and the ratio of substandard and below loans was estimated to be a significant negative (-) relationship. This is interpreted as the result of systematic credit risk management as savings banks undergo restructuring. The results of this study can predict the possibility of insolvency according to the loan behavior of savings banks, and suggest the direction of risk management policies to the savings bank industry in the future.

스포츠 이벤트 의전 교육프로그램 운영과 활용방안 - Y대학교 현장실습 프로그램을 중심으로

배수현 ( Bae Soo-hyun ) 한국이벤트컨벤션학회 2018 이벤트 컨벤션 연구 Vol.14 No.3

This purpose of this study is to find out the status of sport event protocol and operate the protocol educational program by case study on the field training program of Y college. This study was based on interviews and set a comparing criteria in terms of goal, target audience, program process and contents, operation process. First, this research is performed to examine the basic concept of Sport event, Sport event protocol and on the field training program. Second, it is provided to sport event protocol status by operating the field program at KT wizpark. and to develop the field program effectively. The study has the following implications. First, it is necessary to educate the students and the importance of the educational program. Because it is hard to be skilled at sport event protocol and necessary to repeat the protocol education. Second, the coordinator should make the vip protocol schedule by considering college class. Otherwise, students will miss the class when they attend the vip protocol on weekdays. Third, the coordinator consider for returning home in overtime. Fourth, it offers more students opportunities to experience the field training program on sport event protocol.

은행의 대출포트폴리오와 경영성과

배수현(Bae, Soo-Hyun) 한국산업비즈니스학회 2022 한국비즈니스연구 (비즈니스연구) Vol.6 No.2

본 연구는 일반은행을 대상으로 가계대출 대비 기업대출이 차지하는 비중이 높을수록 수익성과 위험성에 미치는 영향을 분석하고, 시중은행과 지방은행에 대한 수익성과 위험성의 차이를 분석하였다. 분석기간은 2010년부터 2020년까지이며, 패널데이터를 이용하여 확률효과모형(Random effects Model)으로 추정하였다. 분석결과는 다음과 같다. 첫째, 가계대출 대비 기업대출비중이 높을수록 일반은행의 총자산순이익률이 증가하는 것으로 추정되었다. 기업대출비중이 가계대출보다 상대적으로 리스크가 높은 만큼 수익성에 긍정적인 영향을 준 것으로 보인다. 둘째, 가계대출 대비 기업대출비중이 높을수록 일반은행의 고정이하여신비율이 증가하는 것으로 나타났다. 가계대출 대비 기업대출비중이 높을수록 일반은행의 수익성이 향상되나 그와 함께 부실자산도 증가하여 위험성이 높아지는 것으로 추정되었다. 셋째, 시중은행과 지방은행으로 구분하여 수익성과 위험성에 차이가 있는지 분석한 결과 수익성은 유의미한 차이가 있는 것으로 나타났다. 본 연구는 가계-기업부문간 효율적인 자금배분과 함께 가계부문 편중리스크에 대한 철저한 관리·감독이 요구된다. 또한 일반은행의 리스크 관리차원에서 기업대출비중 증가에 따른 부실여신 관리가 철저히 이루어져야 함을 시사하고 있다. This study was conducted on commercial banks and aimed to analyze the impact of higher corporate loans on profitability and risk compared to household loans. We also analyzed the difference between profitability and risk between commercial and regional banks. The analysis period was from 2010 to 2020 and was estimated using a random effects model using panel data. The results of the analysis are as follows. First, it was estimated that the higher the ratio of corporate loans to household loans, the higher the gross asset profit margin of ordinary banks. Second, the higher the ratio of corporate loans to household loans, the higher the fixed interest ratio of ordinary banks. Third, after analyzing whether there is a difference in profitability and risk by dividing them into commercial banks and regional banks, it was found that there was a significant difference in profitability between commercial banks and regional banks. This study requires efficient allocation of funds between household-business sectors and thorough management of household sector bias risks. And in terms of risk management of commercial banks, the management of bad loans due to the increase in the proportion of corporate loans should be carried out thoroughly.

저축은행 시장집중도와 위험추구 -구조조정 전·후 비교분석을 중심으로-

배수현 ( Bae Soo-hyun ) 한국세무회계학회 2018 세무회계연구 Vol.0 No.57

본 연구는 저축은행의 구조적변화에 따른 시장집중도가 위험추구에 미치는 영향을 분석하였다. 특히 기존연구와의 차이점은 최근 구조조정이 마무리된 시점에서 저축은행의 위험추구행태가 구조조정 전·후에 차이가 있는지 검증하고, 구조조정 이후에 위험추구행태의 변화가 시장집중도에 의한 차별적 결과를 나타내는지 추정하였다. 2009년부터 2016년까지 77개 저축은행을 대상으로 총 1065개 패널데이타를 수집하여 패널분석을 실시하였다. 실증분석 결과 첫째, 저축은행 시장집중도와 위험추구행태 간의 관계를 추정한 결과 시장집중도가 상승할수록 위험가중자산비율은 증가하는 것으로 추정되었다. 둘째, 저축은행 구조조정 전·후에 위험추구행태에 차이가 있음을 확인하였다. 구조조정 이후에 위험가중자산비율이 더욱 증가하는 것으로 추정되었다. 셋째, 구조조정 이후 위험추구행태의 차이를 나타내는 것은 시장집중도 변수의 상호작용에 의한 것으로 추정되었다. 저축은행의 위험추구행위를 사전적으로 반영한다는 측면에서 위험추구지표를 위험가중자산비율을 적용하여 추정한 결과 구조조정 이후에 저축은행의 강한 위험추구성향이 나타난다는 것을 알 수 있다. 이러한 결과는 구조조정 이후 계열화 및 대형화된 저축은행들의 시장집중도가 높아짐에 따라 시장점유율이 높은 은행들의 시장지배력을 활용하여 더욱 공격적인 대출포트폴리오를 구성한 것으로 보여진다. 향후 저축은행의 구조적 변화로 인한 시장집중도 상승이 건전성 하락으로 이어지지 않도록 지속적인 주의가 필요하며, 선제적 리스크 관리시스템이 확산될 수 있는 방안이 요구됨을 시사하고 있다. 본 연구는 저축은행 구조조정 이후 구조적 변화로 인한 시장집중도와 위험추구행태 간의 관계를 분석한 것에 의의가 있다. 이러한 분석결과는 저축은행의 지속가능한 비즈니스모델을 구축하는데 중요한 정보로 작용할 것으로 기대한다. The purpose of this study is to analyze the relationship between savings banks’ market concentration and risk taking. In particular, the difference from the previous studies is whether the risk-taking behavior of savings banks is different before and after restructuring. And we estimated whether the change in risk taking behavior is the result of market concentration. 77 savings banks from 2009 to 2016 were used as 1065 samples for the study, and the results were derived from panel regression analysis. The results of the study are as follows. First, we analyzed the relationship between concentration of savings bank market and risk taking behavior, and it is estimated that the risk-weighted assets ratio increases with increasing market concentration. Second, there is a difference in risk-taking behavior before and after restructuring of savings banks. Third, it is estimated that the difference of risk taking behavior after restructuring is due to the interaction of market concentration variables. As a result of estimating the ratio of risk-weighted assets as a risk-seeking index, the results showed that the savings banks had a strong risk-seeking tendency after restructuring. These results show that after the restructuring, large-scale savings banks have become more concentrated in the market, and banks with high market share have formed a more aggressive loan portfolio by taking advantage of market dominance. This study is meaningful in analyzing the effect of the increase in market concentration on the risk taking due to the structural change after the restructuring of the savings bank. The results of this analysis will be important for building a sustainable business model.

대손충당금 적립을 통한 은행의 이익유연화 요인에 대한 연구

배수현 ( Soo Hyun Bae ),김종두 ( Jong Doo Kim ) 한국세무회계학회 2012 세무회계연구 Vol.0 No.34