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The purpose of this treatise was to propose a survival strategy for commercial banks in the era of globalization, market opening and diversification of customer's needs after IMF foreign currency crisis in Korea.In this treatise, we established a identification model of customers left and prediction model of deposit records. Based on those models presented above, we put out lifetime values of customers and intended to provide commercial banks with a strategic direction by lifetime values and customers segmentation depending on their lifestyles. Customers segmentation based on the lifetime value score and lifestyle of customers is very meaningful to commercial banks. Because it provides commercial banks with proper answer about which customer do we have to focus on our marketing ability and more fruitful for our bank in the aspect of marketing efficiency.Specific study subjects can be put in order as follows. Firstly, we investigated outline of CRM which is a methodology of this treatise we intended to provide. Second was a understanding of the present situation of retail finance in Korea. Lastly, based on the two research, presented above, we intended to make a positive study on the establishment method of CRM model in retail finance area of commercial banks. We used integrated study method by using references related to this study and questionnaire method for the positive approach to the establishment of CRM model.

The purpose of this study is to empirically examine bank behavior with respect to observed changes in bank lending. Under Basle Accord this variable is related to capital ratio. Lending is influenced by economic conditions that maybe change the probability of insolvency. If the probability of borrower default increases, thus increase the probability of bank failure, banks want to reduce their default risk and will reduce lending under the norm. The same with this case, If the cost of lending increases and hence the profit of bank reduces, banks will reduce lending under the norm. To complete the purpose of this study, the simultaneous equations model developed by Shrieves-Dahl(1992), and later modified by Aggarwal-Jacques(1998) to study the impact of risk-based capital, is used to examine how capital regulations simultaneously influenced bank lending. This study analyzes the annual data on domestic banks for the period from 1988 to 2000 and divided the period into two sub-periods, periodⅠ(1988-1992)·poriodⅡ(1993-2000). Data were obtained from KIS-FAS database and Korea Bank annual reports. The main results of this study can be summarized as this. I find some evidence that supports significant relation between bank lending reduction and capital regulation.

This study analysis and measure X-inefficiency of manufacturing industries by using the Thick Frontier Analysis model. The most efficiency study is limited on the service and the non-profit industries, this study extends the X-inefficiency analysis to the manufacturing industries.The output variables of Thick Frontier Analysis are sales, income before extraordinary items, and input variables are employee, fixed assets, raw materials. The factor prices are labor price and capital price.Test this study using a sample of 5 industries from 1992 to 1997.Results of this study can be summarized as follows. It turned out that the X-efficiency of the chemicals and chemical products is the higher 30% and the electronic components, communication equipment is the lower 9%. The amount of changes in the X-efficiency, measured by the TFA model, in all manufacturing industries turns out to be negative on the average.This results are expected to provide the empirical evidence useful to enhancing the competitiveness of manufacturing firms in korea.

벤처기업이 벤처기업집적시설에 입주하게 되는 주된 동기는 입주기업간 시너지 효과를 적극적으로 활용하고자 하는 동기가 가장 높게 나타났으며, 이밖에 낮은 임대료, 시설·설비활용, 전산·네트워크 활용이 주요 입주동기로 나타났다.벤처기업집적시설에 입주에 따른 벤처기업의 경영성과 제고의 도움은 보통 수준이 조금 못 미치지는 것으로 나타났으며, 벤처기업이 경영지원보다는 시설·설비지원에 대해 더 높은 만족을 느끼는 것으로 나타나 시설·설비의 지원은 어느 정도 이루어지고 있다고 할 수 있지만 벤처기업의 경영상의 애로점에 대해서는 상대적으로 지원이 잘 되고 있지 않음을 암시하고 있다.벤처기업의 경영성과 제고의 주요 영향요인을 파악하기 위한 회귀분석결과에 있어서는 시설·설비지원부문에서 각종 기자재, 사무장비, 공동활용공간에 대해서는 경영성과 제고에 영향을 미치는 요인으로 나타났지만 보안·안전시설, 독립적 업무공간, 네트워크는 통계적으로 유의한 영향을 미치지 못하는 것으로 나타났다.경영지원부문에서는 자금알선, 정부정책 정보지원, 법률·특허상담지원은 경영성과제고에 영향을 미치는 것으로 나타났지만, 사업계획서작성지원, 교육·훈련지원, 기술지원, 마케팅지원, 세무·회계지원은 영향을 미치지 않는 것으로 나타났다.따라서 본 연구의 실증분석에서 나타난 내용을 중심으로 벤처기업집적시설이 입주한 기업의 경영성과를 제고 위하여 벤처기업집적시설의 지원방안을 살펴보면 다음과 같다.첫째, 벤처기업집적시설의 시설·설비측면에서 벤처기업에게 경영지원측면 보다 상대적으로 높은 만족도로 나타났기 때문에 벤처기업집적시설의 생산성을 제고하기 위해서는 경영지원 측면을 보다 적극적으로 지원해야 할 것으로 판단된다.둘째, 벤처기업집적시설의 지원 변수들의 요인분석에서 추출된 시설·설비, 경영상담·정보지원, 사무업무지원 요인 모두가 벤처기업의 경영성과를 제고에 영향을 미치는 것으로 나타났기 때문에 이에 대한 적극적인 지원이 이루어져야 한다.셋째, 벤처기업집적시설의 생산성 제고 방안은 벤처기업의 경영성과 제고시키는 것이므로 벤처기업의 경영성과를 제고시키기 위해서는 시설·설비측면에서는 벤처기업이 활용할 수 있는 각종 기자재, 사무장비와 공동적으로 활용할 수 있는 다용도실, 회의실, 상담실 등을 더욱 확충할 필요성이 있다.넷째, 벤처기업집적시설이 벤처기업의 경영성과를 제고시키기 위해서는 경영지원 측면에서 입주한 벤처기업에게 자금알선, 정부정책 정보지원, 법률·상담지원을 보다 적극적으로 추진할 필요성이 있다고 할 수 있다.

Productivity has played an important role to check the current economic situation. A lot of economic policy would find the rationale based on the measured productivity level and its sources for future growth. Considering its importance in policy making, we have to pay due attention its accuracy. This study reviews various issues determining the accuracy of productivity measures. Especially the data problem, quality change, and index issues are throughly reviewed and future research direction for accuracy improvement in productivity analysis is suggested.

This paper represent the method which improves the productivity of the IT(information technology) service industry as follows. At the first step to the improvement of productivity, they have to set the goal at the service provider focused on the needs of consumers and the satisfaction of customers. It is based on the productivity attached more importance to quality than quantity. At the next step, They have to provided the service with the technical power, reliability, and safety of information technology. The technical power of IT is made by the application of the latest technology and the continuous education for technical employees. The reliability for IT is built by the keeping of stabilized system and the quality guaranteed of software and information. The safety of IT is formed by the support of complete security and the protection of privacy. The qualitative productivity of IT service industry will become improved by such two goals and three conditions.

Until now Korean economy has spent a large amount of money on ICT(Information & Communication Technology) investments. However, it is not clear whether the ICT investments have contributed to productivity growth and economic output. This observation known as 'Productivity Paradox' has been debated for almost a decade.In Korean ICT industries, it is still difficult to show evidence of a link between ICT investments and economic output. While the previous studies generally found little evidence of a relationship between ICT and productivity, there was also little evidence that ICT were unproductive. In particular, many researches pointed to the inadequacies of productivity measurement, insufficiencies and/or inaccuracies of data, and relatively short analysis periods, etc. In this line of research we reviewed the productivity paradox debates and elaborated the policy implications for formulating ICT investments portfolios and strategies.

Wusoh written by Yu, Suwon is one of the social reform document beyond Adam Smith's masterpiece(An Inquiry into the Nature and Causes of the Wealth of Nations). In early 18th century he sharply analyzed the cause of weakness and poverty of nation and proposed the way how to make it wealthy and to stabilize the life of grass-roots. It is specially important that he emphasized the division of labor among the 4 classes(scholar, farmer, artisan, merchant) and the equality of jobs. He understood the importance of utilitarian aspect and executive power of science to run government, as many other philosophers of Practical Learning in the late Lee dynasty. It is noteworthy of his viewpoint of national productivity increment among many philosophical thoughts. His idea is following. First policy was to increase the national productivity through the division of labor and job specialization. Second was to let people understand sacred value and importance of their jobs and to lead it to the expansion of employment. It would naturally enhance the national productivity. Third idea is to make strong finance by introducing rational tax system. Fourth way of national productivity increase was to maintain proper economic size. Fifth was the technical renovation of agricultural industry for increasing agricultural productivity. The sixth policy was the promotion of market, which eventually would strengthen the national competitiveness.It is necessary to look back the footsteps of forerunners, when our nation has hard time. Up to this time we followed western economy blindly, but it is important to find our own way. The grafting our own economic science onto the western can be a nice way of reviewing old and learning new.