중견기업의 영역별 경영 및 금융거래 특성분석

서경란 ( Kyong Ran Seo ) 한국중소기업학회 2014 중소기업연구 Vol.36 No.1

Economic growth in the korea`s mid-sized enterprises emerging as a key economic player. However, mid-sized companies in Korea, including the management and characterization study on financial transactions is a very unsatisfactory level. This study is based on the legal definition of medium-sized companies were divided into four groups. There are four groups of mid-sized businesses, general, transition, associates, potential mid-sized companies to define and analyze the characteristics of management To summarize the analysis, four groups were similar in Business age and CEO age of the company, but the portion exports market and stock market listing in the gap in the level of development, including management, respectively. Compared to the large, four medium-sized business groups on everything from a disadvantage. and Compared to SMEs, except for Safety, Growth, Profitability, Asset quality was analyzed at low. Compared to general mid-sized companies in particular, transition mid-sized companies`s growth is high. However, Profitability, asset quality and safety was analyzed in a disadvantage. Compared with general mid-sized companies, the associates is somewhat less profitable businesses. However, this high growth and asset quality and safety was analyzed in a similar. Potential was analyzed in a similar with transition mid-sized companies in all aspects. On the other hand, characterized by lower than associates, respectively in all. Characteristics of banks to trade, high degree of transition mid-sized companies are intensifying with banking trades. Growth mid-sized companies, the lower degree of deepening banking. Needs of mid-sized companies to be differentiated from depending on the size and level of development management. Mid-sized businesses need policy support and investment needs and the needs of sustainability. Mid-sized companies should establish policy principles that qualitative rather than quantitative criteria such as company size, with plenty of growth potential of companies need to dig enough.

안전한 EDI의 감사 추적 구현 기술

서경란(Kyong Ran Seo),김기중(Ki Jung Kim),이정현(Jeong Hyun YI),류근호(Keun Ho Ryu) 대한전자공학회 1996 대한전자공학회 학술대회 Vol.1996 No.11

한국형 중소기업 관계금융 모델수립을 위한 해외 관계금융 사례연구

서경란 ( Kyong Ran Seo ) 한국중소기업학회 2014 중소기업연구 Vol.36 No.3

Financing problems of SMEs are constantly appearing because of the behavior of financial institutions and financial transactions. It is these things that concentrated collateral loans, short-term funds under management, financing supply disruptions when the economic cycle is down. Recently, The government is considering the introduction of a relationship banking for initial start-up SMEs and micro SMEs to smooth supply of funds. In this study analyzed the relationship banking case into the United States, Japan, Germany. As a result, the following implications derived. First, We should be focused on initial start-up SMEs and micro SMEs as a relationship banking``s target layer and government policy must be linked. Second, We should be actively used local-based financial institutions. Third, At the same time we will need to be enlarged in the role of large commercial banks. Fourth, We should be cultured bank``s non-financial services in various business consulting skills. Fifth, We should expand on audit ability and discretion to the bank branches. Sixth, we need to take advantage of a variety of soft information when credit rating and a review at the time of loan. Finally, settlement of the Korean SME relationship banking requires a lot of effort and time. It may be possible when SMEs and financial institutions need to grow together as partners.

대출금리 상한선 인하가 중기대출시장에 미치는 영향에 관한 연구

서경란 ( Kyong Ran Seo ) 한국중소기업학회 2013 중소기업연구 Vol.35 No.2

As economic uncertainty grows, small and medium-sized enterprises (SME) bear bigger burden due to their existing debt. In this regard, the government now changes its SME policy from liquidity-oriented capital support toward lower interest rate on SME debt and less financial cost. Especially, the Industrial Bank of Korea (IBK) was highly recognized by cutting the maximum interest rates on overdue loans in 2012. The bank`s support to ease financial burden has impacted the overall loan market and the maximum interest rates in general were dramatically lowered. This study examines the IBK`s interest rate policy and impact in the competitive financial market and provides lessons learned. This study bears a significant by looking at the SME financial policy and the role of a market-dominating financial institution in the entire domestic SME loan market, a competitive market on interest rate. In the hope of helping the national SME policy, this thesis examines SME policy from capital support to various transitional process.

데이타베이스에서의 시간에 관한 연구

남광우(Kwang Woo Nam),서경란(Kyong Ran Seo),류근호(Keun Ho Ryu) 한국정보과학회 1995 한국정보과학회 학술발표논문집 Vol.22 No.2A

현실세계의 모든 데이타는 특정 시점에 발생해서 시간의 흐름에 따라 변경되는 시간 의존적인 특성을 가진다. 이러한 실세계의 데이타들은 데이타베이스에 저장 · 관리하려는 연구가 지난 십여년간 시간지원 데이타베이스 분야에서 이루어 졌다. 본 논문은 시간지원 데이타베이스에서의 연구를 바탕으로 데이타베이스에서 시간이 갖는 의미와 일반 관계형 데이타베이스가 갖지 못한 데이타베이스에서의 시간 측면을 시간시스템, 이력시스템, 시스템내에서의 시간표현, 시간차원, 시간연산, 시간변수, 불확정성과 시간 인덱스등으로 나누어 분석한다. 또한, 기존의 데이타베이스에 시간 개념을 도입했을 때 해결될 수 있는 문제들을 시공간 모형을 예로 들어 설명한다.

업무-지식 통합기반의 차세대 지식경영 모델

손정훈 ( Jung Hoon Derick Sohn ),서경란 ( Kyong Ran Seo ) 한국지식경영학회 2010 지식경영연구 Vol.11 No.2

EDI 보안 감사 추적 서비스 시스템 구현

정경자(Jeong Kyeong Ja),김기중(Kim Ki Jung),서경란(Seo Kyong Ran),류근호(Ryu Keun Ho),강창구(Kang Chang Gu) 한국정보처리학회 1997 정보처리학회논문지 Vol.4 No.3

In this paper, we implement the Audit Trail Service System for the EDI Security. It has solved a law dispute between enterprises by informations that have generated by the EDI service system. The audit trail service system implemented for EDI security satisfies the requirements of audit and the protocol of the security service of X.345 and X.400. The EDI Security Audit System consists of the event discriminator, the audit recorder, the audit archiver, and the provider of audit services. The event disciminator classifies the transmitted data from the EDI network to audit services. The audit recorder constructs an index that has combined time information with audit information which are classified by the event discriminator. The audit archiver performs the vacuumming of added audit informations. The audit provider us a module that carries out the audit trail services by using stored audit informations. The audit provider supports audit services, which are non-repudiation, proof and probe, controller of security, and accessing information. The audit trail service for EDI security constructs audit information by using index that is combining time information, so it supports especially fast accessing audit information.

EDI 보안 감사 시스템을 위한 파일 구축 및 감사 서비스

김기중,서경란,박정석 충북대학교컴퓨터과학연구소 1996 컴퓨터과학연구 Vol.4 No.1

본 연구에서는 EDI 보안 서비스시 분쟁이 발생하였을 경우 이를 해결하기 위한 EDI 보안 감사 시스템의 서브 모델인 감사저장기와 감사제공기를 구축하기 위한 감사 화일 구성과 감사 서비스를 정의한다. 정보를 감사분류기에서 전달받아 이들 데이터에 대한 인덱스를 생성하여 구성하였다. 감사 서비스는 감사저장기에 의해 저장된 감사 데이터를 이용하여 EDI 보안 서비스시 발생할 수 있는 분쟁을 해결하는 기능을 수행한다. 감사제공기에 의해 제공되는 감사 서비스는 부인봉쇄 서비스, 증명 및 검증 서비스, 보안 관리 서비스, 그리고 MS 서비스로 분류하였다.