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- 저자 : 안지정(Ji-Jung Ahn) (검색결과 9 건)
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국내은행들의 방카슈랑스 도입요인 분석 및 정보화 구현모형에 관한 연구
김학민(Hag-Min Kim),안지정(Ji-Jung Ahn) 韓國貿易學會 2003 國際學術大會 論文集 Vol.2003 No.10
The main objective of this paper is to discuss several research issues related to the bancassurance implementation in the Korean financial markets. The word of bancassuarnce comes from the combination of two words, banque plus assurance where banks can sell insurance products for customers. The bancassuarance was first named in and introduced into France by reflecting the fact that the government allowed the banks to sell annuity insurance products for their citizens. Korean banks started to sell limited insurance products for those who have been coming to the inbound of banks from September, 2003. It means that the banks are currently able to sell a limited number of insurance products and further not allowed to promote aggressive marketings such as tele marketing activities unless customers asked. More insurance products by banks will be sold as scheduled in the middle of Year 2005, and finally the banks are fully allowed to perform their bancassurance operations in Year 2007. Two research objectives is set up in this paper; the first is to discuss some theoretical results in connection with why the Korean banks are sensitive to introduce the bancassurance implementation and what kinds of factors they should consider; and the second is to develop an information strategy model for bancassuarance information systems. Most studies in this area have been discussing about economical effects on the financial industry as a whole. It means few results were obtained for evaluating the bancassurance implementation factors why Korean banks are eager to adopt it and what kinds of factors they should consider in connection with big investment on its information systems. The second part of this paper is to develop an information system framework using so called the Information Strategy Planning Methodology(ISPM). This methodology is very useful because it directs and manages important activities in every sequence of activities such as environments analysis, current state analysis, future goals assessment, and finally deployment plans, and finally produces an information model for implementation. Many previous results support the use of this methodology by showing that having a IS plan with the methodology performs much better than without it. The research method adopted in this paper is first to perform a comprehensive set of literature reviews related to both theoretical and case studies for making assessments of bancasurrance implementation factors and we classified them in terms of 4 independent area; 1)financial market change factor, 2)internal factor, 3)bancassurance models factor, and 4)gradual process factor. It is found that these four factors should be considered in more detail when banks want to develop their operational strategies. Also, these factors can serve as a guideline at every step of analysis given by the ISPM and in designing an bancasurrance reference model. As a result, we suggested an Bancassurance Information System Model. The model has three business layers with its Core Business Layer(CBL), Customer Relationship Management Layer(CRML) and Supply Chain Management Layer(SCML). This model supports an both internal and external operations involved in executing bancassuarnce operations of banks. The CBL explains the core business applications in the bancassurance framework and those sub-applications in the CBL are given by the wealth management service, products configurations, contracts management, business performance, business intelligence and knowledge managements. The business architecture must be in principles orthogonal, competitive advantage, effective and efficient, generic and business-oriented. The model suggested in this paper supports these requirements and also characterizes robust and scalable features because its business logics is independently located in its database model. The communicability with external system is also guaranteed by implementing both CRML and SCML. These layers could t
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김학민(Hag-Min Kim),안지정(Ji-Jung Ahn) 한국무역학회 2005 한국무역학회 학술대회 Vol.2005 No.4
The objective of this paper is to investigate important factors when one can consider an implementation of global e-trade. In particular, this paper intends to derive which factors are significant at information strategic planning stage as well as its evaluation stage. Many works in the global e-trade area have been focusing on narrow research issues related to EDI implementation and trade process automation after trade contracts are legally made. Therefore, more complete and exclusive factors at pre-contract stage should be considered when one can make an information strategic plan for global e-trade, As a result, five factors are derived for the trade information and those are: (1)trade corporate strategy, (2)trade process automation, (3)trade information technology&infra, (4)organization & people, and (5)trade information technology utilization. Many previous researches support the use of these factors. Once the planning factors are derived, then an evaluation model needs to be developed so that the model can show current status of a level of global e-trade in am organization, in which finally corrective actions can be made to improve its trade system performance. An evaluation framework and its specific measurements are also provided in this paper. But more research activities should be sought to obtain empirical test results in the near future.
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국내은행들의 방카슈랑스 도입요인 분석 및 정보화 구현모형에 관한 연구
김학민(Hag-Min Kim),안지정(Ji-Jung Ahn) 한국무역학회 2003 한국무역학회 국제학술대회 Vol.2003 No.10
The main objective of this paper is to discuss several research issues related to the bancassurance implementation in the Korean financial markets. The word of bancassuarnce comes from the combination of two words, banque plus assurance where banks can sell insurance products for customers. The bancassuarance was first named in and introduced into France by reflecting the fact that the government allowed the banks to sell annuity insurance products for their citizens. Korean banks started to sell limited insurance products for those who have been coming to the inbound of banks from September, 2003. It means that the banks are currently able to sell a limited number of insurance products and further not allowed to promote aggressive marketings such as tele marketing activities unless customers asked. More insurance products by banks will be sold as scheduled in the middle of Year 2005, and finally the banks are fully allowed to perform their bancassurance operations in Year 2007. Two research objectives is set up in this paper; the first is to discuss some theoretical results in connection with why the Korean banks are sensitive to introduce the bancassurance implementation and what kinds of factors they should consider; and the second is to develop an information strategy model for bancassuarance information systems. Most studies in this area have been discussing about economical effects on the financial industry as a whole. It means few results were obtained for evaluating the bancassurance implementation factors why Korean banks are eager to adopt it and what kinds of factors they should consider in connection with big investment on its information systems. The second part of this paper is to develop an information system framework using so called the Information Strategy Planning Methodology(ISPM). This methodology is very useful because it directs and manages important activities in every sequence of activities such as environments analysis, current state analysis, future goals assessment, and finally deployment plans, and finally produces an information model for implementation. Many previous results support the use of this methodology by showing that having a IS plan with the methodology performs much better than without it. The research method adopted in this paper is first to perform a comprehensive set of literature reviews related to both theoretical and case studies for making assessments of bancasurrance implementation factors and we classified them in terms of 4 independent area; 1)financial market change factor, 2)internal factor, 3)bancassurance models factor, and 4)gradual process factor. It is found that these four factors should be considered in more detail when banks want to develop their operational strategies. Also, these factors can serve as a guideline at every step of analysis given by the ISPM and in designing an bancasurrance reference model. As a result, we suggested an Bancassurance Information System Model. The model has three business layers with its Core Business Layer(CBL), Customer Relationship Management Layer(CRML) and Supply Chain Management Layer(SCML). This model supports an both internal and external operations involved in executing bancassuarnce operations of banks. The CBL explains the core business applications in the bancassurance framework and those sub-applications in the CBL are given by the wealth management service, products configurations, contracts management, business performance, business intelligence and knowledge managements. The business architecture must be in principles orthogonal, competitive advantage, effective and efficient, generic and business-oriented. The model suggested in this paper supports these requirements and also characterizes robust and scalable features because its business logics is independently located in its database model. The communicability with external system is also guaranteed by implementing both CRML and SCML. These layers cou
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