1 FTA 2012 3 15,,,.. 2012 54.9%, 1,...,,,.,

2..,. 2013 12

3 1 9 1 17 1 17 2 20 2 22 1 22 1. 22 2. 25 3. 26 3 28 1 28 1. 28 2. 31 3. 33 4. 35 5. 36 6. 37 2 39 1. 39 2. 40

4 4 43 1 43 2 49 1. 50 2. 52 3. 64 4. 89 5. 94 5 96 1 96 1. 96 2. 99 2 100 1. 101 2. 105 6 112 117 122

5 1 1 FTA 17 1 2 19 1 3 1 19 2 1 25 2 2 25 2 3 26 4 1 44 4 2 45 4 3 ( 1,135 : ) 50 4 4 52 4 5 53 4 6 _ 54 4 7 _ 54 4 8 55 4 9 55 4 10 56 4 11 58 4 12 : 58 4 13 : 59 4 14 ( ) 60

6 4 15 : () 61 4 16 : () 62 4 17 : () 62 4 18 () () 63 4 19 64 4 20 65 4 21 66 4 22 68 4 23 69 4 24 70 4 25 71 4 26 72 4 27 76 4 28 : ( 1) 81 4 29 : ( 1) 81 4 30 : ( 1) 82 4 31 () ( 1) 82 4 32 : ( 2) 83 4 33 : ( 2) 84 4 34 : ( 2) 85 4 35 () ( 2) 85 4 36 : _ ( 3) 87 4 37 : _ ( 3) 87

7 4 38 : _ ( 3) 88 4 39 ( 3) 88 4 40 : loge() 92 4 41 : loge() 93 4 42 : loge() 94 4 43 94 5 1 97 5 2 ( ) 98 5 3 105 5 4 106 5 5 110

8 1 1 (Framework) 21 2 1 5 23 2 2 5 23 2 3 ( ) 24 2 4 26 3 1 42 4 1 ( ) 57 4 2 ( ) 80 4 3 89 4 4 90 4 5 91 4 6 91

9 1. 2012 3 15 FTA,,,.. 2012 54.9%,. 1,.. 2.,.

10 1,. 2,. 5,.,.,,, 4, 5 12.2%. 2012 22 1, 3, 13 5., TM,,,,, TM 2009. 3,.,,,,.,,,,. 4,

11.,,,,.,., ( ). 5 26 1,376 2013 6 11 6 25, 120 1,135,. 1,135, 120, 9. 7,,,,, 5, 2.62. 5.66 _ 5.86, _ 5.55 5. 5.07, _ 4.87 _ 5.28 _ 5.01. _. _ 2.59, 5.12 5.28.,.., _, _, _,, 1

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1 17 1 1 2012 3 15 FTA,, 1983 7 1. 1) 1 1. 1 1 FTA ( ) 12. 3. 15 12. 3. 15 14. 3. 16 14. 3. 16 1) (2013. 8. 13),,,.

18 ( ) ( ) : (2013). 1/2 ( ),, 14. 3. 16 14. 3. 16 12. 3. 15,. 2) 1 2 2012 2) (2013. 8. 13),,,.

1 19 54.9%,. 1 2 (:, %) 2009 2010 2011 2012 93,282 46.8 114,667 49.6 129,613 51.5 150,905 54.9 14.0 22.9 13.0 106,190 53.2 116,575 50.4 122,014 48.5 123,764 45.1 10.8 9.8 4.7 : (2013). 1 3 1. 1 3 1 (:, %) 1 2009 2010 2011 3 2,807 2,794 2,412 2,671 0.5 13.7 7.1 2,732 3,007 3,176 2,972 10.1 5.6 7.9 102.3 92.9 75.9 89.9 : 1) (2012. 7. 3), FY2011,. 2). : 1,.

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22 2 1 1. 5,. 2 1 2009. 2011 2012. 2 2 2011 25%,,. 2012.,,,,.,,.

2 23 2 1 5 (: ) : () 3). 2 2 5 (: ) : () 4). 3) http://www.epostbank.go.kr/ipgs1471rh.screen(2013. 4). 4) http://www.epostbank.go.kr/ipgs1471rh.screen(2013. 4).

24,,, 4. 5 12.2%, 5. 2 3 ( ) : 5). 5) http://www.klia.or.kr/board/boardlist.do?bcd=19(2013. 4). http://www.epostbank.go.kr/ipgs1471rh.screen(2013. 4).

2 25 2 1 (:, %) 2008 2009 2010 2011 2012 5 512,324 533,591 571,478 604,389 874,693 0.9 4.2 7.1 5.8 44.7 12.18 56,865 75,553 69,470 74,104 98,489 1.4 32.9 8.1 6.7 32.9 12.6 11.1 14.2 12.2 12.3 11.26 12.2 (GDP) 2.3 0.3 6.3 3.7 2 2.9 : 6). 2. 2012 22 1, 3, 13 5. 2 2 ( ),, ( ) ( ), ( ), ( ), ( )OK,, ( ) ( ),,,, ( ), ( ),, ( ), ( ), ( ), ( ), ( ).. FTA 6) http://fisis.fss.or.kr/(2013. 4).

26. 3., TM,, 2 4, 2 3. 2 4 : (2012). 2 3 (: ) 2007 2008 2009 2010 2011 2012 4,002 3,922 3,451 3,525 3,843 4,181 TM 7) 31 31 31 26,761 28,077 24,498 30,220 31,653 31,821 319 307 276 275 295 293 31,082 32,306 28,225 34,051 35,822 36,326 : (2013). 7).

2 27,,, TM 2009,,.

28 3 1 1. Burns(1978) Bass(1985). Bass 8).., (Charisma), (Intellectual Stimulation), (Individual Consideration), (Inspiration)....., (2004) 9) (Communication)., 8) (2004), (A ),, 2 1, p.95. 9) (2004),, p.97.

3 29. (2007), (2011), (2011). (2007) 10) (+), (2011) 11). (2011) 12) (+),. (+). 1,376,. 2012 90.6% Goleman(1995, 2002) (Emotional leadership).,. (2005) 13),, (+) 10) (2007),,,, 20, pp.2611 2638. 11) (2001),,. 12) (2011),,, 24 6 (89 ), p.3216. 13) (2005),,, 34 5, pp.667 673.

30, (+)....,,,..,..,, ( 2007 14) ; 2003 15) ).,,,.,,,,,,,,,,,,,,,,,, (Cameron and Freeman 1991 16) ; 2007 17) ). (2003) 18), 14) (2007),,,,, 18 2, pp.23 49. 15) (2003),,, :,, 37 4, pp.103 124. 16) Cameron & Freeman(1991), Cultural Congruence, Strength, and Type: Relationships to Effectiveness. Research in Organizational Change and Development, 5: 23-58. 17) (2007),. 18) (2003),.

3 31 4,,,.. 2...,, ( 2007 19) ; 2003 20) ).,,,.,,,,,,,,,,,,,,,,,, (Cameron and Freeman 1991 21) ; 2007 22) ). (2003) 23), 4,,,.. 19) (2007),,,,, 18 2, pp.23 49. 20) (2003),,, :,, 37 4, pp.103 124. 21) Cameron & Freeman(1991), Cultural Congruence, Strength, and Type: Relationships to Effectiveness. Research in Organizational Change and Development, 5: 23-58. 22) (2007),. 23) (2003),.

32.. (2013) 24),,,,,,,.,. (Quinn and McGrath 1985) 25) ( 1998 26) ; 2007 27) ).,,, ( 1998 28) ). (2012) 29) 24) (2013),, 11 5, pp.19 40. 25) Quinn, R. E. and McGrath, M. R.(1985), The transformation of organizational cultures: A competition value perspective, in Organizational Culture, Frost, P. J., et al.(eds), Beverly Hills, CA: Sage Publications. 26). (1998),,,, 6 2, pp.195 238. 27) (2007),,, 14 4, pp.295 311. 28) (1998),. 29) (2012), :,, 26 2, 31 58.

3 33.,,,.. (2011) 30),,,,,,.,,.,,..,,,. 3.. 31) 30) (2011),,,, JOURNAL OF INFORMATION TECHNOLOGY APPLICATIONS & MANAGEMENT, 18 2, pp.109 134.

34 Kohli and Jaworski(1990) 32),,. Narver and Slater(1990) 33),, 34), Kohli and Jaworski(1990) 35).,. (1996) 36) (+), (+). (1997) 37), (+),.. (2008) 38) (, ) 31) (1996), ;,,,, 11 2, pp.161 181. 32) Kohli and Jaworski(1990), Market Orientation: The construct, Research Propositions, and Managerial Implication. Journal of Marketing, 54(April)1-18. 33) Narver and Slater(1990), The Effect of a Market Orientation on Business Profitability, Journal of Marketing, 54(october), 20-35. 34) Kohli, Jaworski and Kumar(1993), MARKOR: A Measure of Market Orientation., Journal of Marketing Research, 30(November), 467-477. 35) Kohli and Jaworski(1990), Market Orientation: The construct, Research Propositions, and Managerial Implication. Journal of Marketing, 54(April)1-18. 36) (1996),. 37) (1997), ;,, 21 1 ( 24 ), pp.49 65.

3 35 (, ).,,,.,. (2011) 39),,,,,,.,,,,,,,. 4. 40).,, 38) (2008),,, 13 1, pp.1 22. 39) (2011),,, 23 6, pp.313 331. 40) (2003),,,,,,, 6,, pp.203 219.

36 41).. Barling Beattie(1983), Lee Gillen (1989). (+). (2008) 42), (2008) 43) (+). (2011) 44),.,. 5... (2010) 45) 41) (2010),, GRI, 12 2. pp.5 34. 42) (2008),,, pp.158 159. 43) (2008),,, 10 3, pp.240 264. 44) (2010),, GRI, 12 2. pp.5 34. 45) (2010), :,, 25 3, pp.121 138.

3 37.,,,,,,.,. (2010) 46).,.. 6. (Beatty & Schneider, 1981) 47) ((Shore & Wayne, 1993) 48) ;, 2012 49) ).,, 46) (2010),,, 23 6, pp.2951 2971. 47) Beatty & Schneider(1981), Personnel Administration; An Experimental Skill Building Approach(3nd ed). NY. Addison-Wesley Publishing. 392. 48) Shore. L. E & S. J. Wayne(1993), Commitment and Employee Bhavior.Comparison of Effective Commitment and Continuance Commitment with Perceived Organizational 49) (2012),,, : 1,, 24 8, pp.87 106.

38 (, 1997) 50).,, (Allen & Meyer, 1991) 51).,,,, (, 2001) 52). (2012) 53),,,.,,,., ( ),,,,,. (2012) 54). 50) (1997), :,, 26 2, pp.271 286. 51) Allen, N. J. & Meyer, J. P.(1991), The Measurement and Antecedents of Affective, Continuence and Normative Commitment to the Organization. Journal of Occupational Psychology. 63:1-18. 52) (2001),,, 35 4, pp.355 373. 53) (2012),. 54) (2012),,,, 3 1, pp.91 108.

3 39,,,.,. 2. 1....,.,.,,,,.,. Bass (1985) Goleman(1995)

40..,,. 2.,,,. 55). Barling and Beattie(1983)..... 3 30 55) (2003),.

3 41,.,..,...,.,,...,,.,.

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4 43 4 1,.,,,,,.,.,.,,,,,,,,.,,. ( /

44 /, /1 2 /2 ). 5 26. 4 1. 4 1 (, ) ( ) 5 ( ) 1 171 2 5 69 6 10 34 11 20 34 170 170 5 21 30 50 250 250 500 10 31 40 25 125 225 350 14 41 50 13 65 169 234 18 51 60 2 10 34 44 22 61 90 3 15 63 78 26 401 635 741 1,376 1 10 11 10,,,. 1,376 2013 6 11 6 25,.

4 45 KISDI,. 4 2. 4 2 46 18 17 41 18 13 41 18 16 39 14 13 34 14 12 32 14 11 32 14 13 32 14 13 31 14 11 31 14 13 31 14 14 30 10 6 27 10 10 27 10 8 26 10 8 25 10 10 25 10 8 22 10 8 21 10 8 21 10 9 20 5 4 18 5 5 11 5 0 48 18 18 43 18 16 42 18 17

46 38 14 0 38 14 12 36 14 14 35 14 10 31 14 10 29 10 6 28 10 8 28 10 8 28 10 9 27 10 9 27 10 12 24 10 10 23 10 9 21 10 10 19 5 14 19 5 4 18 5 5 17 5 5 15 5 5 15 5 0 14 5 5 14 5 5 12 5 5 11 5 5 11 5 5 41 18 16 40 14 8 38 14 12 35 14 13 28 10 7 28 10 8 27 10 9 27 10 8

4 47 26 10 10 25 10 10 25 10 9 25 10 8 23 10 8 23 10 9 23 10 8 22 10 8 22 10 9 22 10 8 21 10 8 20 5 4 19 5 4 17 5 4 12 5 4 11 5 5 38 14 10 38 14 13 35 14 12 32 14 11 31 14 12 27 10 0 25 10 0 22 10 10 22 10 0 20 5 5 20 5 4 12 5 5 12 5 5 12 5 4 11 5 4 89 26 24 57 22 20 48 18 17

48 47 18 15 47 18 12 41 18 10 34 14 12 29 10 9 26 10 8 25 10 8 21 10 8 18 10 5 17 10 4 16 5 4 62 26 24 52 22 17 49 18 12 38 14 14 38 14 13 29 10 8 18 5 0 34 14 12 28 10 10 27 10 10 21 10 8 21 10 9 19 5 5 16 5 5 12 5 4 78 26 22 44 18 18 29 10 4 25 10 7 22 10 9 22 10 10 20 5 4 13 5 5 (9 ) 127 3,563 1,376 1,135

4 49 9 120 1,135,. 2,,. 9, 120 1,135.,,.,..,. ( ).,., (1,135 ),. (120 ),. (9 ),,

50. 1.,,,. 1,135 4 3. 4 3 ( 1,135 : ) (%) 30 30 40 40 50 50 60 60 4 / 99 100 199 200 299 300 399 400 499 500 599 600 699 700 799 800 899 900 999 1,000 1,499 1,500 96(8.6) 1,022(91.4) 3(0.3) 41(3.7) 377(34.1) 620(56.1) 64(5.8) 34(3.0) 1,084(97.0) 792(71.1) 155(13.9) 109(9.8) 12(1.1) 2(0.2) 44(3.9) 19(1.7) 186(16.7) 227(20.4) 183(16.5) 140(12.6) 135(12.1) 62(5.6) 45(4.0) 34(3.1) 25(2.2) 47(4.2) 9(0.8)

4 51 (%) 5 6 10 11 15 16 20 21 25 26 30 31 35 36 40 41 45 46 50 51 / 5 5 10 10 15 1520 20 25 25 5(0.5) 59(5.3) 134(12.1) 148(13.3) 138(12.4) 123(11.1) 108(9.7) 98(8.8) 63(5.7) 72(6.5) 163(14.7) 199(17.8) 103(9.2) 109(9.8) 38(3.4) 65(5.8) 57(5.1) 29(2.6) 210(18.8) 47(4.2) 17(1.5) 21(1.9) 62(5.6) 44(3.9) 44(3.9) 62(5.6) 9(0.8) 555(49.8) 509(45.7) 51(4.6) 311(27.4) 198(17.4) 404(35.6) 150(13.2) 38(3.3) 10(0.9)

52 40 50, 10. 2.,.,,,,,. 4 4. 4 4 (). 5.96(0.92). 5.64(1.02).. *. 5.62(1.00) 5.62(0.98) 5.38(1.23) (5 ) *0.790(0.872),. 0.790 0.872,.

4 53, 4 5. 4 5 (). 5.08(1.20),,. 5.40(1.10),. 4.59(1.38) *. 3.81(2.01) (4 ) *0.712(0.790),. 0.712 0.790,.,.,,...,.,.. 4 6 7, 5.73, 0.864.

54 4 6 _ _ (). 6.17(0.90). 6.20(0.83). 6.06(0.95). 5.73(1.35). 5.81(1.25) _ (5 ) 0.864..,,.. 4 7 _ _ ( ).. () 5.33(1.60) 5.94(1.08). 5.34(1.62) _ (3 ) 0.615 4 7 _ 7 5.33, 0.615 _.,,, /.

4 55.,.,...,,.. 4 8. 4 8. () 5.62(1.13). 5.14(1.36). 5.96(0.96) (3 ) 0.709 0.709. 4 9. 4 9 (). 5.92(0.98). 5.76(1.05). 5.44(1.14) (3 ) 0.817

56 0.817. 4 10. 4 10 (). 2.57(1.75). 2.23(1.53). 2.77(1.81). 2.90(1.81) (4 ) 0.822. 0.822....,,,,,,. 4 1.., _ _,.

4 57,,,,.. 4 1 ( ). 4 11. 12 11.., 8.71(12 ) 9.18(11 ).,, _, _, ( ).

58 4 11 _ (12 ) 1,112 1.00 12 4.76 2.53 _ (11 ) 1,111 1.00 11 6.45 2.86 _ 1,111 0.10 35 8.71 6.02 _ 1,111 0.10 36 9.18 5.95 (4 ) 1,127 1.00 7 5.71 0.83 (3 ) 1,127 1.33 7 5.02 1.03 _ (5 ) 1,129 1.00 7 6.00 0.87 _ (3 ) 1,129 1.33 7 5.54 1.09 *_ (6 ) 1,126 2.67 7 5.64 0.84 _ (3 ) 1,126 2.67 7 5.71 0.91 _ (3 ) 1,126 2.00 7 5.57 0.92 _(4 ) 1,126 1.00 7 2.62 1.40 * _.. 12,,, _, _, 4 12. 4 12 : t () 1.779 0.595 2.988 0.003 0.173 0.090 0.057 1.918 0.055 0.260 0.070 0.107 3.685 0.000 0.349 0.099 0.121 3.518 0.000 0.123 0.075 0.054 1.627 0.104 0.160 0.011 0.380 13.994 0.000

4 59 R2 0.227., 22.7%. (10%).. ( ) (0.123).. 11,,, _, _, 4 13. 4 13 : t () 0.957 0.717 1.335 0.182 0.330 0.107 0.096 3.090 0.002 0.332 0.084 0.120 3.969 0.000 0.560 0.123 0.171 4.538 0.000 0.119 0.090 0.046 1.325 0.185 0.128 0.014 0.268 9.440 0.000 R2 0.174. 10% _ (5%).,,, _,. _ (+) (0.119) 10%, _.

60 4 14. 4 14 ( ) 0.057 0.096 0.107 0.120 0.121 0.171 0.054 0.046 0.380 0.268 R 2 0.227 0.174.. _,,, _...,.,.,, _, _,.,,., (sequential model).

4 61.. 4 15 : () t () 0.826 0.194 4.265 0.000 0.130 0.029 0.117 4.449 0.000 0.084 0.023 0.094 3.649 0.000 0.496 0.032 0.467 15.283 0.000 0.088 0.025 0.105 3.591 0.000 0.002 0.004 0.010 0.382 0.702 0.026 0.010 0.070 2.624 0.009 R2 0.402., (5%). 4 15,,... R2 0.579. 4 16 _ (5%).,,, _,,.

62 4 16 : () t () 0.423 0.161 2.630 0.009 0.117 0.024 0.108 4.813 0.000 0.113 0.019 0.128 5.915 0.000 0.237 0.029 0.227 8.051 0.000 0.010 0.020 0.013 0.509 0.611 0.000 0.003 0.002 0.110 0.912 0.073 0.008 0.203 9.045 0.000 0.398 0.025 0.406 15.897 0.000,,,,,. 4 17 : () t () 5.557 0.353 15.740 0.000 0.013 0.054 0.008 0.239 0.811 0.122 0.042 0.090 2.888 0.004 0.611 0.066 0.378 9.191 0.000 0.235 0.045 0.184 5.260 0.000 0.023 0.007 0.096 3.116 0.002 0.014 0.018 0.024 0.735 0.463 0.144 0.061 0.095 2.366 0.018 0.033 0.067 0.021 0.498 0.619 R2 0.158. 4 17..

4 63,, (5%).,,,.. _,,. 4 18. 4 18 () () (reverse) 0.117 0.108 0.008 0.094 0.128 0.090 0.467 0.227 0.378 0.105 0.013 0.184 0.010 0.002 0.096 0.070 0.203 0.024 0.406 0.095 0.021 R 2 0.402 0.579 0.158 _,, _,.. _,,,.. _,,.

64 3.,.,,.,. 13.,,, 4 19. 4 19. ( ),..,...77.33.18.83.26.30.76.20.45.70.27.42.48.72.13..57.54.39....49.50.50.37.25.78.37.36.75

4 65.....23.57.58.20.82.30.25.75.40.40.50.58 () 77.479% 3.728 3.336 3.009 13 3 77.48%., 10.073 13 77.48%.,,.. 4 20,,.,. 4 20. ( ),..,. 0.907

66......... 0.910 0.893.. 16 11.375 70.1%(11.375/16)., 70.1%...,. 4 21....37.38.74.39.35.77.52.38.66 0.933

4 67..........41.61.53 0.933.37.69.45.31.83.27.42.73.36.32.81.22.54.24.49.73.33.42.77.35.32.75.29.28..77.29.30....66.44.38.77.37.32.78.40.29 0.929 0.929 () 80.603% 5.463 4.093 3.341 12.897 4 21.,,.

68..,,,. 4 22. 4 22...... 0.925 0.920. 0.790. (*0.879) *......... * * 0.879. 0.888 0.938

4 69 120,.,. 4 23.,,, 0.557 0.6(Nunnally, 1978). 4 23 _ _ _...........,. 0.808 0.582 0.557

70,..,.,. 4 24. 4 24 (17 ) 1,126 1.31 7 5.66 1.07 _ (12 ) 1,126 1.33 7 5.55 1.08 (3 ) 1,126 1.00 7 5.70 1.16 (3 ) 1,126 1.00 7 5.27 1.36 (3 ) 1,126 1.00 7 5.33 1.18 (3 ) 1,126 1.00 7 5.91 1.05 _ (5 ) 1,126 1.00 7 5.86 1.06 (13 ) 1,126 1.00 7 5.07 1.13 _(4 ) 1,127 1.00 7 4.87 1.24 _(5 ) 1,126 1.00 7 5.28 1.14 _(4 ) 1,126 1.00 7 5.01 1.28 _ (3 ) 1,125 1.00 7 2.59 1.39 _ (3 ) 1,125 2.00 7 5.12 0.86 _ (3 ) 1,125 1.00 7 5.28 1.00. _ 2.59 7 4.41

4 71 _ _. 4 25. 4 25 _ _ _ _ _ 1.00 0.98 0.91 0.92 0.84 0.91 0.94 0.69 0.63 0.65 0.63 0.33 0.35 0.56 0.98 1.00 0.91 0.94 0.89 0.89 0.87 0.69 0.64 0.65 0.64 0.30 0.38 0.57 0.91 0.91 1.00 0.81 0.72 0.80 0.82 0.65 0.59 0.62 0.60 0.30 0.34 0.54 _ _ _ 0.92 0.94 0.81 1.00 0.81 0.76 0.79 0.65 0.61 0.59 0.61 0.23 0.33 0.52 0.84 0.89 0.72 0.81 1.00 0.71 0.71 0.61 0.56 0.56 0.57 0.21 0.37 0.50 0.91 0.89 0.80 0.76 0.71 1.00 0.87 0.61 0.55 0.59 0.56 0.35 0.32 0.50 0.94 0.87 0.82 0.79 0.71 0.87 1.00 0.61 0.56 0.59 0.55 0.36 0.31 0.51 0.69 0.69 0.65 0.65 0.61 0.61 0.61 1.00 0.91 0.94 0.94 0.15 0.43 0.66 0.63 0.64 0.59 0.61 0.56 0.55 0.56 0.91 1.00 0.77 0.78 0.12 0.39 0.58 0.65 0.65 0.62 0.59 0.56 0.59 0.59 0.94 0.77 1.00 0.85 0.16 0.41 0.62 0.63 0.64 0.60 0.61 0.57 0.56 0.55 0.94 0.78 0.85 1.00 0.12 0.40 0.62 _ 0.33 0.30 0.30 0.23 0.21 0.35 0.36 0.15 0.12 0.16 0.12 1.00 0.03 0.16 _ 0.35 0.38 0.34 0.33 0.37 0.32 0.31 0.43 0.39 0.41 0.40 0.03 1.00 0.50 _ 0.56 0.57 0.54 0.52 0.50 0.50 0.51 0.66 0.58 0.62 0.62 0.16 0.50 1.00,. 4 26.

72 4 26 _ _ _ _ _ _ 1 5.40 4.86 5.76 5.24 5.49 5.69 5.29 2.84 2 5.71 5.23 6.46 6.31 5.91 5.87 5.95 2.58 3 5.52 5.06 5.81 5.44 5.65 5.48 5.81 2.61 4 5.92 5.46 5.80 5.33 5.64 5.69 5.59 3.33 5 5.77 5.11 6.07 5.14 5.67 5.83 5.50 2.44 6 5.55 5.36 5.78 5.39 5.39 5.48 5.30 2.93 7 5.38 4.97 6.09 5.77 5.44 5.33 5.54 2.77 8 5.88 5.21 6.18 5.72 5.81 6.11 5.50 2.44 9 6.00 4.21 6.16 5.76 5.65 5.58 5.73 2.50 10 5.44 4.87 6.02 5.54 5.79 5.72 5.87 2.31 11 5.41 5.05 4.90 4.83 4.56 4.86 4.26 3.21 12 5.83 5.17 5.80 5.61 5.31 5.17 5.44 2.25 13 5.58 4.67 6.50 6.1 6.02 6.03 6.00 2.13 14 5.94 5.38 5.50 5.33 5.19 5.29 5.08 4.28 15 6.07 5.24 6.29 5.52 5.74 5.62 5.86 1.50 16 6.05 5.13 6.00 5.4 5.95 5.93 5.97 2.28 17 5.88 5.08 5.68 5.13 5.46 5.33 5.58 2.47 18 6.06 5.46 6.08 4.96 5.79 5.79 5.79 2.03 19 5.16 4.79 5.80 5.29 5.23 5.25 5.21 2.75 20 4.50 4.63 5.47 5.48 5.20 5.22 5.19 2.81 21 6.63 5.42 6.65 6.42 6.46 6.5 6.42 3.00 22 6.45 5.40 6.56 6.07 6.27 6.27 6.27 1.75 23 5.92 5.24 6.62 5.54 6.00 6.02 5.98 1.62 24 5.66 4.98 5.84 5.42 5.69 5.85 5.52 2.31 25 5.41 5.37 5.68 5.69 5.74 5.80 5.67 3.53 26 5.33 4.44 6.08 5.50 5.93 5.83 6.03 2.40 27 6.21 5.14 6.6 5.88 5.98 6.12 5.83 1.93 28 5.45 4.83 6.09 5.41 5.48 5.56 5.41 3.50 29 5.83 4.73 5.54 4.83 5.37 5.73 5.00 2.53 30 5.79 5.50 6.03 5.67 5.72 5.67 5.78 2.08

4 73 _ _ _ _ _ _ 31 6.13 5.13 5.83 5.17 5.31 5.25 5.38 2.41 32 5.69 4.46 5.90 5.63 5.38 5.63 5.13 2.41 33 5.81 5.04 5.38 5.07 5.31 5.56 5.07 3.39 34 5.84 5.38 6.04 5.78 5.98 6.07 5.89 2.22 35 5.65 4.92 5.53 5.25 5.35 5.25 5.44 3.04 36 5.48 4.63 5.94 5.57 5.83 6.03 5.63 2.33 37 5.75 5.04 6.24 6.00 5.93 5.85 6.00 2.94 38 5.83 5.10 6.04 4.97 5.53 5.77 5.30 1.83 39 4.44 4.83 5.40 4.58 5.38 5.42 5.33 3.00 40 6.31 5.75 6.50 6.17 6.33 6.67 6.00 2.31 41 4.95 5.33 5.76 5.73 5.60 5.60 5.60 3.25 42 5.20 3.87 5.52 5.93 5.00 4.93 5.07 4.00 43 6.10 4.47 6.40 6.27 6.20 6.00 6.40 2.25 44 5.95 5.40 6.24 5.60 5.73 5.80 5.67 2.00 45 5.70 5.00 5.72 5.33 5.20 5.07 5.33 3.45 46 5.90 5.67 6.36 5.47 6.17 6.4 5.93 1.05 47 5.69 4.92 6.48 5.93 5.57 5.73 5.40 2.30 48 5.55 5.13 5.64 5.27 4.93 5.07 4.80 2.50 49 5.45 5.13 5.78 5.60 5.55 5.71 5.40 2.73 50 5.94 5.00 5.95 5.33 5.58 5.54 5.63 2.88 51 5.54 5.06 5.98 5.47 5.88 5.78 5.97 2.21 52 5.65 4.67 6.05 5.44 5.29 5.50 5.08 3.15 53 5.89 6.24 5.91 5.43 5.86 5.81 5.90 3.86 54 5.69 4.83 6.43 6.04 5.88 5.96 5.79 2.59 55 5.78 5.07 6.09 5.59 5.93 5.96 5.89 3.56 56 5.44 4.50 5.65 5.29 4.94 4.79 5.08 2.28 57 5.68 5.77 6.32 5.47 6.03 6.13 5.93 2.28 58 5.58 4.97 6.38 5.60 6.02 6.00 6.03 2.13 59 5.86 4.81 6.09 5.67 6.11 6.07 6.15 2.31 60 5.44 4.83 5.80 5.63 5.52 5.50 5.54 2.56 61 5.91 5.00 6.18 5.25 5.63 5.75 5.50 2.25

74 _ _ _ _ _ _ 62 5.67 4.96 6.11 5.63 5.7 5.44 5.96 1.67 63 5.31 4.79 5.25 5.38 5.54 5.83 5.25 3.03 64 5.75 5.04 6.15 5.96 5.96 6.00 5.92 3.41 65 4.94 4.41 5.62 5.04 5.07 5.00 5.15 2.47 66 6.06 5.29 6.40 6.33 6.10 6.17 6.04 2.19 67 5.88 5.50 5.93 5.50 5.35 5.58 5.13 2.75 68 5.75 5.78 6.15 5.00 5.38 5.17 5.58 1.81 69 5.63 4.58 4.50 5.50 5.17 5.00 5.33 3.81 70 5.63 5.42 6.8 6.25 5.88 6.08 5.67 1.50 71 6.06 5.58 5.95 6.25 6.08 6.08 6.08 1.75 72 5.95 4.73 5.68 4.27 5.50 5.60 5.40 3.25 73 5.50 4.70 6.04 5.57 5.50 5.57 5.43 2.38 74 6.08 5.38 5.52 4.33 5.28 5.67 4.90 2.58 75 6.48 6.00 6.43 5.89 6.43 6.44 6.42 3.58 76 5.30 4.90 5.93 5.61 5.36 5.27 5.45 2.77 77 6.00 5.64 5.95 5.67 5.64 5.83 5.44 2.50 78 6.00 5.00 6.18 5.20 5.73 6.00 5.47 2.65 79 5.85 4.73 5.48 4.93 5.00 5.13 4.87 3.05 80 5.63 4.92 5.55 4.67 5.00 5.08 4.92 3.38 81 5.90 5.20 5.96 4.93 5.67 5.87 5.47 2.50 82 6.00 5.07 6.24 6.20 6.03 6.27 5.80 1.50 83 6.06 5.17 6.20 5.75 5.63 6.00 5.25 2.81 84 6.25 5.25 6.70 6.67 6.13 6.08 6.17 1.94 85 6.17 5.43 6.14 5.85 5.92 6.17 5.67 2.40 86 5.79 5.23 6.34 6.08 5.95 5.90 6.00 2.40 87 5.54 4.35 6.09 5.96 5.59 5.55 5.63 2.28 88 5.25 4.67 6.15 5.64 5.47 5.67 5.27 2.30 89 5.56 5.25 6.07 5.36 5.72 5.67 5.78 2.38 90 6.10 5.03 6.48 6.17 6.00 6.17 5.83 2.50 91 5.96 5.11 6.52 5.92 5.81 5.78 5.83 2.52 92 5.58 4.93 5.62 5.26 5.19 5.26 5.11 2.56

4 75 _ _ _ _ _ _ 93 5.22 5.00 6.18 5.75 5.79 5.75 5.83 2.59 94 5.69 4.92 6.33 5.00 5.56 5.54 5.58 2.56 95 5.69 5.21 6.25 6.13 6.00 5.96 6.04 3.47 96 4.95 4.20 6.28 5.53 5.87 5.67 6.07 1.65 97 6.06 5.08 5.15 5.08 5.00 5.25 4.75 2.75 98 5.06 4.58 5.90 5.25 5.04 4.83 5.25 2.69 99 5.76 5.01 5.53 5.29 5.25 5.43 5.07 3.31 100 5.40 4.98 5.72 5.20 5.26 5.44 5.08 3.33 101 5.79 4.92 6.18 5.28 5.74 5.75 5.72 1.79 102 5.59 5.07 5.30 5.29 5.26 5.33 5.19 3.20 103 5.67 4.97 5.92 5.23 5.69 5.82 5.56 2.69 104 5.88 4.46 5.68 5.21 5.17 5.29 5.05 3.36 105 6.50 5.58 6.02 5.81 5.69 5.78 5.61 3.56 106 5.55 4.70 5.64 5.59 5.18 5.30 5.07 2.93 107 5.60 4.87 6.12 5.23 5.91 5.96 5.85 2.39 108 5.84 4.63 6.17 5.90 6.33 6.38 6.29 3.41 109 5.42 4.96 5.90 5.50 6.09 6.26 5.93 2.36 110 4.69 4.08 6.08 5.67 5.6 5.87 5.33 2.60 111 5.30 5.20 6.24 5.53 5.57 5.47 5.67 2.35 112 6.70 5.47 6.44 5.87 6.33 6.13 6.53 1.75 113 5.88 4.82 6.35 6.11 6.00 6.03 5.97 2.71 114 5.61 4.30 5.82 5.13 5.10 5.31 4.89 2.38 115 5.69 4.83 6.25 5.83 5.38 5.50 5.25 2.31 116 5.93 5.33 6.20 5.86 5.90 6.05 5.76 2.21 117 5.42 4.81 6.07 5.52 5.56 5.74 5.37 2.56 118 6.20 5.53 6.46 5.83 6.07 6.00 6.13 2.25 119 5.69 4.50 6.15 5.50 5.88 5.83 5.92 1.94 120 5.70 4.73 6.52 6.40 5.77 5.93 5.60 2.80 4 27. 0 1.

76 4 27 (, ) _ _ _ 1 서울강서 4.26 3.69 0.00 3.22 4.56 4.55 2 서울강북 6.19 5.78 1.00 2.47 5.23 5.89 3 서울성북 5.66 5.10 0.00 2.52 4.88 5.09 4 서울송파 5.45 5.13 0.00 3.44 5.48 5.49 5 서울중앙 6.29 5.25 1.00 2.42 5.04 4.88 6 서울광진 5.68 4.75 0.00 2.39 4.89 5.07 7 서울금천 5.84 5.19 0.00 3.15 4.92 5.40 8 서울노원 4.54 3.79 0.00 2.86 4.38 4.77 9 서울중랑 6.20 5.57 1.00 1.61 5.73 5.60 10 여의도 5.16 5.04 0.00 3.08 5.29 5.26 11 광화문 4.26 4.03 0.00 3.26 4.61 3.63 12 서울강남 5.86 5.36 1.00 1.94 5.25 5.60 13 서울동작 5.84 5.75 1.00 2.13 4.80 5.60 14 서울용산 5.68 5.27 1.00 4.00 5.56 5.40 15 서울관악 4.77 4.92 0.00 2.29 5.25 5.60 16 서울양천 5.73 4.53 0.00 3.27 5.05 5.02 17 서울은평 5.41 4.52 0.00 2.71 5.00 5.05 18 서울마포 6.33 4.98 0.00 1.83 5.25 5.28 19 서울강동 5.12 4.47 0.00 2.83 4.97 4.83 20 서울서초 5.20 5.09 0.00 2.70 5.03 5.20 21 서대문 6.28 5.85 1.00 2.33 5.44 5.60 22 동대문 6.20 5.66 1.00 2.40 5.50 6.04 23 성남 6.49 5.28 1.00 2.27 5.06 5.34 24 안산 5.66 4.95 0.00 2.10 4.84 5.25 25 수원 5.73 5.03 0.00 2.49 5.29 5.45 26 동수원 6.39 5.66 1.00 2.78 5.63 5.47 27 의정부 6.07 5.29 1.00 1.98 4.82 5.37 28 시흥 5.32 5.04 0.00 2.93 4.86 5.38 29 군포 5.25 4.83 0.00 3.13 4.85 5.02 30 광명 5.99 5.14 0.00 2.39 5.00 5.10

4 77 (, ) _ _ _ 31 남인천 5.33 4.88 0.00 2.83 5.19 5.20 32 서인천 5.54 4.65 0.00 1.67 5.34 5.00 33 고양일산 4.58 4.26 0.00 3.15 4.64 3.80 34 성남분당 5.47 5.46 1.00 3.93 5.22 5.56 35 부천 6.07 5.19 0.00 2.31 5.40 5.30 36 남양주 5.71 4.78 0.00 2.37 5.33 5.72 37 인천 5.94 5.72 1.00 2.89 5.36 5.40 38 구리 4.89 4.35 0.00 2.77 4.90 4.86 39 용인수지 4.89 4.73 0.00 4.08 4.94 4.75 40 고양덕양 5.50 4.69 0.00 2.92 4.81 4.55 41 부평 6.11 5.02 0.00 2.20 4.70 5.20 42 인천계양 5.93 5.00 0.00 2.53 5.50 5.24 43 파주 6.28 5.46 1.00 2.00 5.85 6.12 44 경기광주 5.93 4.86 0.00 1.53 5.05 4.88 45 화성 4.63 4.26 0.00 3.73 5.20 4.88 46 평택 6.56 6.25 1.00 1.80 6.10 6.12 47 오산 6.30 5.23 1.00 1.93 4.75 5.64 48 포천 6.14 4.77 0.00 2.33 5.35 4.92 49 울산 5.20 4.98 0.00 3.23 5.11 5.23 50 동부산 5.88 5.40 1.00 1.71 4.63 5.68 51 창원 5.61 5.31 1.00 2.14 5.46 5.68 52 진주 4.22 4.06 0.00 3.75 5.04 5.02 53 부산영도 6.02 5.48 1.00 2.76 5.18 5.74 54 부산사하 6.24 5.48 1.00 1.83 5.09 5.80 55 부산사상 5.99 5.64 1.00 3.67 5.61 5.64 56 남울산 5.27 4.67 0.00 2.00 4.31 4.75 57 김해 5.89 5.92 1.00 1.87 5.38 5.34 58 남부산 6.24 5.65 1.00 2.07 5.00 5.88 59 거제 6.14 5.44 1.00 1.78 5.22 5.82 60 부산금정 6.20 5.12 0.00 1.46 5.16 5.63 61 마산합포 5.78 5.21 1.00 2.21 4.41 5.00 62 부산 6.01 5.62 1.00 1.89 5.31 5.27

78 (, ) _ _ _ 63 동래 5.56 4.55 0.00 2.50 4.78 4.20 64 부산연제 5.70 5.39 1.00 3.54 5.06 5.48 65 부산진 5.15 4.30 0.00 2.41 5.06 5.00 66 동울산 5.91 5.57 1.00 2.21 4.97 5.70 67 해운대 5.20 5.02 0.00 3.08 5.03 5.38 68 북부산 6.44 5.50 1.00 2.25 5.00 5.65 69 양산 6.36 5.92 1.00 1.33 5.19 4.70 70 마산 6.20 6.15 1.00 2.17 5.19 5.80 71 부산강서 6.38 6.02 1.00 1.33 5.19 5.85 72 통영 5.98 5.58 1.00 2.53 4.75 5.72 73 대전 5.79 4.67 0.00 3.67 5.05 4.98 74 대전둔산 4.12 4.22 0.00 3.41 4.90 4.09 75 서청주 6.32 5.98 1.00 3.31 5.35 5.92 76 대전유성 5.74 4.77 0.00 2.79 4.91 5.13 77 서대전 5.67 5.37 1.00 3.31 5.54 5.38 78 대전대덕 5.54 5.08 0.00 2.33 4.93 5.26 79 제천 5.95 5.38 1.00 2.67 5.45 4.96 80 아산 4.64 4.44 0.00 2.83 4.31 5.00 81 당진 6.14 5.25 1.00 1.40 5.15 5.52 82 서산 5.58 5.32 1.00 2.87 4.85 5.52 83 동천안 5.52 5.21 1.00 2.08 5.06 5.15 84 공주 6.08 5.62 1.00 1.67 6.19 5.85 85 북대구 6.19 5.45 1.00 2.76 5.21 5.41 86 남대구 6.02 5.30 1.00 2.35 5.23 5.79 87 포항 5.23 4.78 0.00 2.67 4.88 5.19 88 동대구 4.79 4.29 0.00 2.33 4.92 4.95 89 대구수성 6.10 5.26 1.00 2.22 5.54 5.82 90 대구달서 5.75 5.33 1.00 3.50 5.78 5.70 91 서대구 5.80 5.55 1.00 2.17 5.40 5.97 92 구미 5.22 4.82 0.00 2.93 4.61 5.18 93 대구성서 6.15 5.06 0.00 2.25 5.13 5.40 94 대구 5.86 5.86 1.00 1.67 5.47 5.78

4 79 (, ) _ _ _ 95 경산 5.88 5.50 1.00 3.42 5.19 5.70 96 문경 6.28 5.55 1.00 1.40 5.45 5.32 97 안동 5.14 5.40 1.00 3.92 5.50 4.90 98 경주 5.80 5.31 1.00 2.17 4.56 5.05 99 광주 4.99 4.43 0.00 3.76 4.86 4.26 100 서광주 5.16 4.69 0.00 2.69 4.95 4.94 101 광주광산 6.09 5.08 0.00 1.69 5.19 5.20 102 북광주 6.16 5.13 0.00 2.38 5.45 5.10 103 목포 6.20 5.47 1.00 1.85 5.54 5.66 104 순천 4.95 4.45 0.00 2.81 5.18 5.03 105 동전주 6.16 3.96 0.00 2.56 5.58 5.15 106 전주 5.03 4.53 0.00 3.17 4.85 4.78 107 군산 5.59 5.12 0.00 2.11 5.00 5.64 108 남원 6.63 5.69 1.00 1.83 5.06 5.63 109 익산 6.10 5.35 1.00 1.93 5.03 5.42 110 정읍 5.53 5.23 1.00 1.73 5.25 5.48 111 김제 6.14 5.88 1.00 2.33 4.85 5.64 112 고창 5.60 5.52 1.00 4.27 5.50 6.08 113 여수 6.00 5.58 1.00 2.40 5.65 5.71 114 원주 4.90 4.36 0.00 2.78 4.94 4.83 115 춘천 6.38 5.65 1.00 1.42 5.50 5.75 116 동해 6.25 5.76 1.00 3.00 5.21 5.23 117 강릉 5.10 4.50 0.00 2.78 5.14 5.22 118 삼척 6.66 6.20 1.00 1.80 5.08 6.30 119 제주 5.92 4.79 0.00 2.42 5.44 5.05 120 서귀포 6.26 6.12 1.00 1.27 5.55 6.12.,

80 ( ),.,,. 4 2. 4 2 ( ).. R 2 0.596., 4 28, _, _ (10%)..

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4 85,, _.. 4 34 : ( 2) t () 4.275 1.022 4.183 0.000 0.351 0.088 0.408 3.998 0.000 0.009 0.168 0.005 0.052 0.959 0.007 0.179 0.006 0.039 0.969 0.282 0.161 0.272 1.756 0.082 0.046 0.164 0.043 0.282 0.778 0.000 0.000 0.114 1.370 0.173 0.407 0.220 0.285 1.849 0.067 0.226 0.187 0.147 1.214 0.227 4 35 () ( 2) (reverse) 0.156 0.019 0.408 0.019 0.016 0.005 0.513 0.075 0.006 0.360 0.117 0.272 0.008 0.069 0.043 0.110 0.031 0.114 0.816 0.285 0.147 R 2 0.596 0.558 0.278

86 4 35 _, _,. _.,., _, _,, _..,,.. _,. 4 25,,. (, ) ( ). 4 31,,,.

4 87 4 36 : _ ( 3) t () 4.510 0.981 4.598 0.000 0.126 0.162 0.070 0.781 0.436 0.429 0.151 0.247 2.840 0.005 0.320 0.182 0.179 1.762 0.081 0.190 0.155 0.120 1.222 0.224 0.792 0.141 0.658 5.597 0.000 0.102 0.152 0.081 0.674 0.502 R 2 0.402, 4 36, _ _ ( ), (+).,. 4 37 : _ ( 3) t () 2.817 0.533 5.287 0.000 0.212 0.088 0.235 2.407 0.018 0.117 0.082 0.135 1.426 0.157 0.097 0.099 0.108 0.979 0.330 0.135 0.084 0.170 1.598 0.113 0.110 0.077 0.182 1.425 0.157 0.177 0.082 0.279 2.145 0.034 R 2 0.297, 4 37 5% (+). (+).,

88. 4 38 : _ ( 3) t () 0.066 0.483 0.137 0.891 0.008 0.080 0.007 0.102 0.919 0.052 0.074 0.043 0.696 0.488 0.462 0.090 0.375 5.158 0.000 0.019 0.076 0.017 0.244 0.808 0.080 0.070 0.096 1.146 0.254 0.440 0.075 0.507 5.891 0.000 R 2 0.693, 4 38 _ (+). _,.. 4 39 ( 3) _ _ _ 0.070 0.235 0.007 0.247 0.135 0.043 0.179 0.108 0.375 0.120 0.170 0.017 0.658 0.182 0.096 0.081 0.279 0.507 R 2 0.402 0.297 0.693.,

4 89 4 39,, _, _...,. 4. 1. 1. 4 3. 4 3

90 0.468. 4 4. 4 4 4 5.,. 120,. (stepwise regression),.

4 91 4 5 4 6. 4 6

92,.., loge(). (additive model) (multiplicative model). 4 6.,. 60, 60. 4 40. 4 40 : loge() t () 22.011 0.525 41.958 0.000 0.008 0.075 0.016 0.101 0.920 0.000 0.078 0.000 0.003 0.998 0.001 0.002 0.052 0.382 0.704 0.012 0.066 0.025 0.179 0.858 R 2 0.004.,. 4 41.

4 93 4 41 : loge() t () 21.621 0.833 25.945 0.000 0.245 0.109 0.322 2.245 0.029 0.113 0.094 0.176 1.199 0.236 0.005 0.002 0.272 2.188 0.033 0.194 0.126 0.195 1.538 0.130 R 2 0.173,, (5%).,,.,. ( 13% ) (+).,.. (piecewise).,. / 4 42. R 2 0.138, (( / )* ) 0.151 0.173 (+),.,,,.

94,. 4 42 : loge() t () 23.216 0.476 48.810 0.000 _ 0.093 0.036 0.237 2.622 0.010 0.166 0.064 0.273 2.594 0.011 0.086 0.061 0.146 1.408 0.162 0.003 0.002 0.183 2.046 0.043 0.107 0.064 0.251 1.673 0.097 ( / )* 0.151 0.132 0.173 1.143 0.255 5.. 9. 4 43,,. 4 43 _ (12 ) _ (12 ) _ 4.64 5.08 5.11 4.36 3.95 4.38 5.03 4.15 4.78 6.32 7.25 6.50 6.13 5.73 6.09 6.53 5.32 5.50 8.67 9.50 8.91 8.75 10.98 8.49 9.64 9.26 11.44 5.67 5.70 5.66 5.93 5.77 5.71 5.69 5.75 5.69

4 95 5.05 5.01 5.05 5.23 4.98 4.92 4.99 4.85 4.63 5.93 5.99 5.98 6.00 6.04 5.82 6.17 6.09 6.36 5.50 5.51 5.54 5.40 5.62 5.42 5.75 5.51 6.00 5.55 5.59 5.64 5.48 5.75 5.40 5.67 5.40 5.74 5.61 5.75 5.70 5.79 5.88 5.61 5.76 5.66 5.89 2.64 2.54 2.61 2.68 2.79 2.94 2.46 2.35 2.42 2.74 2.55 2.42 2.90 2.46 2.63 2.55 2.49 1.78 5.04 5.14 5.06 5.13 5.15 5.25 5.20 5.09 5.50 5.14 5.24 5.39 5.17 5.40 5.08 5.48 5.35 5.64 5.46 5.74 5.71 5.55 5.85 5.63 5.74 5.62 6.11 4.89 5.05 5.25 5.07 5.00 4.98 5.20 5.08 5.53

96 5 1 1.,,. 5 1. 1 7 7.,,, 5. 2.62. 5.66 _ 5.86, _ 5.55 5. 5.07, _ 4.87 _ 5.28 _ 5.01. _. _ 2.59 5.12 5.28.,..

5 97 5 1 (4 ) 1.00 7 5.71 0.83 (3 ) 1.33 7 5.02 1.03 _ (5 ) 1.00 7 6.00 0.87 _ (3 ) 1.33 7 5.54 1.09 _ (3 ) 2.67 7 5.71 0.91 _ (3 ) 2.00 7 5.57 0.92 _(6 ) 2.67 7 5.64 0.84 _(3 ) 1.00 7 2.62 1.40 _(3 ) 1.00 7 5.70 1.16 _ (3 ) 1.00 7 5.27 1.36 _ (3 ) 1.00 7 5.33 1.18 _(3 ) 1.00 7 5.91 1.05 _ (5 ) 1.00 7 5.86 1.06 _ (12 ) 1.33 7 5.55 1.08 (17 ) 1.31 7 5.66 1.07 _(4 ) 1.00 7 4.87 1.24 _(5 ) 1.00 7 5.28 1.14 _(4 ) 1.00 7 5.01 1.28 (13 ) 1.00 7 5.07 1.13 _ (3 ) 1.00 7 2.59 1.39 _ (3 ) 2.00 7 5.12 0.86 _ (3 ) 1.00 7 5.28 1.00 5 2. _ (reverse), 2.62 5.38. _ (reverse) 2.59 5.41.

98 5 2 ( ) _ (5 ) 1.00 7 6.00 0.87 _(3 ) 1.00 7 5.91 1.05 _ (5 ) 1.00 7 5.86 1.06 (4 ) 1.00 7 5.71 0.83 _ (3 ) 2.67 7 5.71 0.91 _(3 ) 1.00 7 5.70 1.16 (17 ) 1.31 7 5.66 1.07 _ (6 ) 2.67 7 5.64 0.84 _ (3 ) 2.00 7 5.57 0.92 _ (12 ) 1.33 7 5.55 1.08 _ (3 ) 1.33 7 5.54 1.09 _ *(3 ) 1.00 7 5.41 1.39 _*(3 ) 1.00 7 5.38 1.40 _ (3 ) 1.00 7 5.33 1.18 _(5 ) 1.00 7 5.28 1.14 _ (3 ) 1.00 7 5.28 1.00 _ (3 ) 1.00 7 5.27 1.36 _ (3 ) 2.00 7 5.12 0.86 (13 ) 1.00 7 5.07 1.13 (3 ) 1.33 7 5.02 1.03 _(5 ) 1.00 7 5.01 1.28 _(4 ) 1.00 7 4.87 1.24 _, _, _,,,,. _, _, _,, 1,.,,

5 99.,,. _,, _,.,., _,,,.., _,,.... 2.,,,...,..,,.,

100....., (5%).,,.,. ( 13% ) (+).,.,.,. 2.

5 101 1. 40 50, 10. (),,.,,,,.,,,,,,.,,,.,..

102 ship..., skill refresh. skill, remind,.,,,.. e-learning,,.,, feedback.,..

5 103, 1 2...,,.,,,,,.,,,. (+)..,,,.

104...,,...,.,. 2 3 SPP,,,.,,,.,,,.

5 105.,,.,,.,. 2..,,.. 5 3 5 4. 5 3... 0.925

106... 0.920. 0.790. (*0.879) *......... * * 0.879 0.888 0.938 5 4 _ _..... 0.808 0.582

5 107 _ _......,. 0.582 0.557,.,.,..,,.

108,.,,,...,,,,.,,,.,.,,.,..

5 109....,,.,.,..,,.,,,,,,,... 5 5.

110 5 5. ( ),..,.......... 0.907 0.910 0.893,,,.,...

5 111,..,,,, 3C(consumer, competitor, company).,,.,,,,,,.,.

112 6,,..,,,,,,., ( )., 120 1,135.,,,, (+).,.,,, (+),,,,

6 113.,,,,,,..,,,,.,,,...,,.,. (),.,,..,,..,

114.,,,,....,. 1. 1..,,,.,,,,,,

6 115..,..,,,.,...,,.,,. (,, ),.,,.,.

116.,.,., 120.. ( ),.,.,,.

117 (2011),,, 23 6, pp.313 331. (2003),,,,, 19 2, pp.155 164. (2010), ( ),, 10 3, pp.107 131. (2009. 1 2013. 6). (2010),, GRI, 12 2. (2008),,, 13 1, pp.1 22. (2002),,, 13 1, pp.155 181. (2004), ( A ),, 2 1, pp.93 110. (1998),,,, 6 2, pp.195 238. (2007),,,,, 18 2, pp.23 49. (2003),,, :,, 37 4, pp.103 124.

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119 (2012), :,, 26 2, pp.31 58. (1998), ( ),, 27 3, pp.729 757. (1997), ;,, 21 1 (24 ), pp.49 65. (1996), ;,,,, 11 2, pp.161 181. (2004),,, 15 3, pp.131 152. (2013),,,. (2013),,, 11 5, pp.19 40. (2011),,,, JOURNAL OF INFORMATION TECHNOLOGY APPLICATIONS & MANAGEMENT, 18 2, pp.109 134. (2001),,, 12 1, pp.101 133. (2013), 2012. (2001),,, 35 4, pp.355 373. (2001),,. (2012),,

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122 ( ) 본조사의내용은통계법제 13 조및제 14 조에의거하여비밀이절대보장되며통계목적이외에는절대사용되지않습니다. 안녕하십니까? 먼저바쁘신시간중에도본설문에응해주신데대해깊이감사의말씀을드립니다. 본설문은정보통신정책연구원에서수행중인 우체국보험관리사효율적운영방안연구 과제를수행하기위한기초자료로쓰일예정입니다. 설문응답에대한자료는순수하게연구목적을위해서만사용될뿐, 기타상업적목적으로는일체사용되지않으며, 컴퓨터로통계처리되기때문에특정개인에관해서는익명성이보장됨을약속드립니다. 설문문항은좋고나쁨에대한평가가아닌, 특성별유형을파악하기위한질문들이므로부담없이솔직한응답을부탁드립니다. 귀하의성실한답변은본연구목적을달성하는데있어매우귀중한자료로이용될것입니다. 설문응답은약 20분정도소요될것이며, 설문항목이많아서무척번거롭고지루한작업이되겠지만부디바쁘시더라도우체국보험관리사운영의개선을위해모든질문에빠짐없이성의있는답변부탁드립니다. 또한본설문에대해궁금하신사항이있으시면아래의연락처로문의하시기바랍니다. 다시한번귀하의협조에깊은감사를드리며, 귀하의무궁한발전을기원합니다. --------------------------------------------------------------- 연구책임자 : 이석범 ( 정보통신정책연구원부연구위원, 02-570-4242, leesuk@kisdi.re.kr) 전문연구원 : 이경은 (02-570-4076, kelee@kisdi.re.kr) 연구원 : 유진아 (02-570-4286, angebus@kisdi.re.kr) 팩스 : 02-570-4479

123 A.. V. A01 A02 A03 A04 A05..... 1 2 3 4 5 6 7 B.. V. B01 B02 B03 B04.,,.,.. 1 2 3 4 5 6 7

124 C.. V. C01 C02 C03 C04 C05 C06 C07 C08 C09 C10 C11........... 1 2 3 4 5 6 7

125 C12 C13 C14 C15 C16 C17 C18....... 1 2 3 4 5 6 7

126 D.. V. D01 D02 D03 D04 D05 D06 D07 D08 D09 D10 D11 D12 D13.( ),..,.......... 1 2 3 4 5 6 7

127 E.,,. V. E01 E02 E03 E04 E05 E06 E07 E08... ( )..... 1 2 3 4 5 6 7

128 F.. V. F01 F02 F03 F04 F05 F06 F07 F08.......,. 1 2 3 4 5 6 7

129 F09 F10 F11 F12 F13 F14...,... 1 2 3 4 5 6 7

130 G.. V. G01 G02 G03 G04 G05 G06 G07 G08 G09 G10.......... 1 2 3 4 5 6 7

131 H.. V (. ) H01.? H02.? ( ) H03.? H04.? 4 / H05.? 99, 100 199, 200 299, 300 399, 400 499, 500 599, 600 699, 700 799, 800 899, 900 999, 1,000 1,499, 1,500 H06.? 5, 6 10, 11 15, 16 20, 21 25, 26 30, 31 35, 36 40, 41 45, 46 50, 50 H07.? H08.? / H09.? ( ) H10.? ( )

2011 11 01 (, ) 11 02 ICT (,, ) 11 03 (,, ) 11 04 ( ) 11 05 (,, ) 11 06 TV ( ) 11 07 (,,, ) 11 08 : (, ) 11 09 ( ) 11 10 (,, ) 11 11 (, ) 11 12 (,, ) 11 13 (, ) 11 14 (,, ) 11 15 ( ) 11 16 (, ) 11 17 ( ) 11 18 (, ) 11 19 ICT ( ) ( ) 11 20 ITU ICT (IDI) (,, )

11 21 (,, ) 11 12 01 IT ( ) (,, ) 11 13 01 ( ) (,,, ) 2012 12 01 (,, ) 12 02 N (,,, ) 12 03 (,, ) 12 04 (,,, ) 12 05 ICT (,, ) 12 06 (, ) 12 07 ( ) 12 08 SW ( ) 12 09 (,, ) 12 10 ( ) 12 11 ICT (, ) 12 12 (,, ) 12 13 : (, ) 12 14 (,, ) 12 15 (,, ) 12 16 : ( ) 12 17 ICT ( ) ( )

12 18 OECD (STRI) (,,, ) 12 19 (,,, ) 12 20 (,,, ) 12 09 01 (I) (,,, ) 12 10 01 e (,, ) 2013 13 01 13 02 13 03 13 04 13 05 13 06 13 07 13 08 13 09 13 10 13 11 13 12 (,, ) (,, ) (,,,, ) (,,, ) (,, ) (,, ) (, ) : (,, ) (,, ) (, ) (,, ) ICT (R&D) (,, )

13 13 (VOD) (,,, ) 13 14 N (,, ) 13 15 (, ) 13 16 (, ) 13 17 (,,,, ) 13 24 01 ( ) (,,, ) 13 25 01 ( ) (,,, )

2011 11 01 (,,, ) 11 02 (,, ) 11 03 ( ) 11 04 (,,, ) 11 05 ( ) 11 06 2011 (,, ) 11 07 2010 ( ) 11 08 2011 (,, ) 11 09 (,,, ) 11 10 (,, ) 11 11 (,, ) 11 12 (,, ) 11 13 ( ) 11 14 ( ) 11 15 (,,, ) 11 16 (,,, ) 11 17 MNO, MVNO ( ) 11 18 (,,, )

11 19 (,, ) 11 20 (,, ) 11 21 mvoip (,,, ) 11 22 ( ) 11 23 ICT ( ) 11 24 (,,, ) 11 25 (, ) 11 26 2012 ( ) 11 27 R&D ( ) 11 28 R&D ( ) 11 29 WiBro (,, ) 11 30 ( ) 11 31 (, ) 11 32 ICT (, ) 11 33 (,, ) 11 34 ( ) 11 35 (,,, ) 11 36, (,,, ) 11 37 ( ) 11 38 ( ) 11 39 ( )

11 40 (,, ) 11 41 ( ) 11 42 ( ) 11 43 ( ) 11 44 2010 () 11 45 (,, ) 11 46,, (, ) 11 47 (,, ) 11 48 (, ) 11 49 SO-PP (, ) 11 50 (, ) 11 51 ( ) 11 52 PP ( ) 11 53 ( ) 11 54 / (, ) 11 55 :.. ( ) 11 56 2011 KI (, ) 11 57 (,,, ) 11 58 (,, ) 11 59 (,, ) 11 60 ITU PP-14 : PP-14 ( ) 11 61 (,,, ) 11 62 (,,, )

11 63 ( ) 11 64 2011 ( ) 11 65 (Youth) ( ) 11 66 (,, ) 2012 12 01 ICT (, ) 12 02 ( ) 12 03 VOD (,, ) 12 04 ( ) 12 05 (, ) 12 06 2012 (, ) 12 07 (, ) 12 08 IT (,, ) 12 09 (2012) ( ) 12 10 ICT ( ) 12 11 ( ) 12 12 (,,,, ) 12 13 SNS (,, ) 12 14 (,, ) 12 15 (, ) 12 16 2013 ICT ( ) 12 17 ( )

12 18 (,,, ) 12 19 ICT ( ) 12 20 ( ) 12 21 ( ) 12 22 ICT (,,, ) 12 23 ( ) 12 24 (, ) 12 25 ( ) 12 26 ICT ( ) 12 27 (mvoip) ( ) 12 28 2012~2013 ( ) 12 29 MVNO (,, ) 12 30 2012 (,,, ) 12 31 (,,, ) 12 32 ( ) 12 33 (,, ) 12 34 (,,, ) 12 35 (, )

12 36 (,, ) 12 37 TV (, ) 12 38 (,,, ) 12 39 (,, ) 12 40 (, ) 12 41 (,, ) 12 42 (, ) 12 43 (,,, ) 12 44 ICT (,, ) 12 45 ICT (,,, ) 12 46 (,,, ) 12 47 ( ) 12 48 25 UPU (,, ) 12 49 (,, ) 12 50 : ( ) 12 51 2012 KI (,, ) 12 52 ( ) 12 53 2011 ( ) 12 54 2012 (,, )

12 55 (,,, ) 12 56 ( ) 12 57 (,,, ) 2013 13 01 13 02 13 03 13 04 13 05 13 06 13 07 13 08 13 09 13 10 13 11 13 12 13 13 (ICT ) (,,,,,,, ) IC (,, ) (2013) ( ) ICT (,,,, ) (,,, ) 2014 ICT (,,,,,,,,,,,,,, ) (,,, ) (,,,,,, ) ICT (,, ) ICT ICT (,,,, ) ICT R&D (,,, ) (,,,,, ) ICT (,,,,,, )

13 14 13 15 13 16 13 17 13 18 13 19 13 20 13 21 13 22 13 23 13 24 13 25 13 26 (,,,,,,, ) ICT (,,,,,,, ) (,,,, ) 14 15 (,,,,, ) CPND (,,,,,,, ) MVNO MVNO (,,, ) (,,,, ) (,,,,,, ) (,,,,,,, ) (,,,,,, ) (,,,,,, ) LTE (,,,, ) (,,,,,,,, )

13 27 (,,,,, ) 13 28 (,,,, ) 13 29 (,,,, ) 13 30 (,,,,,, ) 13 31 (,,, ) 13 32 (,, ) 13 33 (,, ) 13 34 (,,, ) 13 35 (,,,,, ) 13 36 (,,,, ) 13 37 (,,, ) 13 38 (,,,, ) 13 39 ICT (ODA) (,,,,,, ) 13 40 (,, ) 13 41 (,,,, ) 13 42 (,, ) 13 43 (,,,,,,,,,,,, )

13 44 13 45 13 46 13 47 13 48 13 49 13 50 13 51 13 52 13 53 13 54 13 55 13 56 13 57 13 58 13 59 13 60 : ITU-KCC 3 (,,,,, ) (,,, ) 2013 (,,,,,, ) (,,,,,, ) ICT (,,,,,,,,,, ) (,,,,, ) (,, ) (hyper-connected society) (,,, ) (,,, ) 2.0 (,,,,, ) Digital Dividend (,,,,,,, ) (,,,,,, ) 2013 KI (, ) 2013,, ( ) 2013 (, ) (,, ) 2013 (,,,, )

13 61 13 62 13 63 13 64 (,,,, ) IT (,,,,, ) 2013 (,,,,,,,, ) (,,, )

Univ. of Texas at Atustin Univ. of Washington at Seattle Univ. of Drexel Univ. of Pennsylvania(Wharton School) 2013 12 2013 12 3 36( ) TEL: 570-4114 FAX: 579-4695 6 ISBN 978-89-8242-019-1 93320