• Journal of the Korea Society of Computer and Information
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• v.12 no.1 s.45
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• pp.205-217
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• 2007

The purpose of this paper is to measure and analyze the efficiency of management in general bank. Each bank was analyzed to find out the efficiency and classified as efficient and inefficient bank. To the inefficient bank, the inefficient part and the extent are round out, the improvement methods of efficiency are suggested, and the effects of scale of bank on management efficiency by BCC model are analyzed. And, the differences between commercial bank and local bank also are examined. Empirical main results are as follows: Frist, After 2000, both of commercial and local bank shows the continuous improvement of the management efficiency. Second, the relative efficiency of management of commercial bank is higher than local bank except 2004. Third, there are differences in variables except equity ratio and no differences appeared in the management efficiency between commercial bank and local bank. Fourth, there are no influences or negative influences by M&A and reconstruction among banks in the effect of scale to the management efficiency.

• The Journal of the Convergence on Culture Technology
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• v.8 no.2
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• pp.47-52
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• 2022

The purpose of this study is to identify the risk level of Chinese commercial banks' loan assets and to analyze what factors affect the stability of Chinese commercial banks. In addition, Chinese commercial banks are classified based on the asset size of 200 billion yuan, and the difference in stability according to size is investigated. The analysis results are as follows. First, it was estimated that as the proportion of household and corporate loans of commercial banks in China increased, the stability of banks decreased. Although the Chinese financial authorities are currently restricting the conservative management of loan assets, it will be necessary to preemptively manage risk on loan assets by setting an appropriate standard for loan-to-deposit ratio in the future. Second, as a result of analyzing the stability of large banks based on 200 billion yuan of bank assets, it was estimated that the stability of large banks was lower. As large banks are likely to conduct aggressive loan asset management, continuous management of non-performing assets is required in the future. This study will serve as a measure for improving the stability of commercial banks in China by estimating the effect of loan asset management of Chinese commercial banks on financial stability. In particular, by examining the stability of large banks, a strategy for sustainable development of the financial industry is required by diagnosing the weaknesses of large banks.

• International Area Studies Review
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• v.22 no.4
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• pp.37-54
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• 2018

This study examines empirically on relevance between bank performance and IC(Intellectual Capital) in the field of banking sector in Korea. IC is measured by VAIC(Value Added Intellectual Capital) and VAIC consists of HCE(Human Capital Efficiency Coefficient), CEE(Capital Employed Efficiency Coefficient) and SCE(Structural Capital Efficiency Coefficient). Main results are as follows. First, the effects of IC(Intellectual capital) on banks performance show significant (+) effect on the performance of banks. Second, Human capital and bank size shows the significant effect on the banks financial performance but SCE, CEE, and other variables didn't show it. As a concluding remark, IC(Intellectual capital) is very helpful for banks to go forward financially to get information and knowledges easily. This study help stakeholders and investors assess the value creating potential of banks and policy makers to implement policies for performance establishment of a Korean banking sector.

• The Journal of the Convergence on Culture Technology
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• v.10 no.1
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• pp.153-158
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• 2024

Recently, concerns about the spread of credit risk in China's real estate market are gradually increasing. Therefore, it is very meaningful to diagnose the management stability of Chinese commercial banks. This study analyzes the impact of housing prices on the loan proportion and management stability of Chinese commercial banks. In addition, we classify Chinese commercial banks according to size and verify whether there are differences in loan proportion and management stability. If there is a difference by scale, the effect of interaction with housing price changes is also verified. The analysis results are summarized as follows. First, it was found that as the housing price growth rate increases, the proportion of loans from Chinese commercial banks increases. Second, as the rate of increase in housing prices and the proportion of total loans increases, management stability appears to decrease. Third, larger banks were found to have a higher proportion of loans, and smaller banks were found to have greater management stability. The results of this analysis show that Chinese commercial banks' aggressive expansion of their loan proportion is lowering their management stability. Therefore, it is necessary to adjust the loan ratio to the appropriate size level and secure stability with differentiated strategies according to the loan ratio

• Journal of the Economic Geographical Society of Korea
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• v.10 no.3
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• pp.281-303
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• 2007

This paper examines the mainbank relationships of SMEs after the 1997 financial crisis in Incheon-Kyunggi and Daejeon-Chungnam regions where local banks have been merged by national banks. The results are as follows. First, national banks(except Industrial Bank of Korea and Kookmin bank) are reluctant to be mainbanks of regional SMEs. Second, those firms which have mainbank relationships with national banks borrow from relatively large number of banks. Third, their size measured by employees are relatively large. These tendencies become clearer after the 1997 financial crisis. It is the Industrial Bank of Korea and Kookmin bank that play important roles as mainbanks of regional SMEs. National banks including the Industrial Bank of Korea and Kookmin bank cannot be relationship lenders to SMEs due to the Williamson-type organizational diseconomies. It means that to ease the regional financial problems regional financial institutions are expected to play more active roles.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.16 no.8
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• pp.5267-5272
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• 2015

This paper analyzes the relationship between the industry bank loan concentration and its risk using the Korean bank loan data. We focused on the construction and real estate industry which are controversial on the non performing loans. We used the construction or leasing real estate industry bank loan ratio of the corporate bank loan as the bank loan concentration proxies. The bank risk are measured as the equity capital rate or the size of non performing loans. According to the results of this research, the preceding bank loan ration of the construction industry or the leasing real estate industry decreases the non performing loans and increases the equity capital rate. The bank loan concentration to the specific industry may not increase bank risk. The bank loan concentration may decrease the information asymmetry and improve the screening abilities the non performing loans. We suggest that the bank loan concentration on the construction or leasing real estate industry in the Korean economy may not directly connected to the bank risk.

• KDI Journal of Economic Policy
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• v.14 no.2
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• pp.109-153
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• 1992

This paper estimates a translog cost function for the Korea's banking industry and derives various implications on the prospect for the Korean banking structure in the future based on the estimated efficiency indicators for the banking sector. The Korean banking industry is permitted to operate trust business to the full extent and the security business to a limited extent, while it is formally subjected to the strict, specialized banking system. Security underwriting and investment businesses are allowed in a very limited extent only for stocks and bonds of maturity longer than three year and only up to 100 percent of the bank paid-in capital. Until the end of 1991, the ceiling was only up to 25 percent of the total balance of the demand deposits. However, they are prohibited from the security brokerage business. While the in-house integration of security businesses with the traditional business of deposit and commercial lending is restrictively regulated as such, Korean banks can enter the security business by establishing subsidiaries in the industry. This paper, therefore, estimates the efficiency indicators as well as the cost functions, identifying the in-house integrated trust business and security investment business as important banking activities, for various cases where both the production and the intermediation function approaches in modelling the financial intermediaries are separately applied, and the banking businesses of deposit, lending and security investment as one group and the trust businesses as another group are separately and integrally analyzed. The estimation results of the efficiency indicators for various cases are summarized in Table 1 and Table 2. First, security businesses exhibit economies of scale but also economies of scope with traditional banking activities, which implies that in-house integration of the banking and security businesses may not be a nonoptimal banking structure. Therefore, this result further implies that the transformation of Korea's banking system from the current, specialized system to the universal banking system will not impede the improvement of the banking industry's efficiency. Second, the lending businesses turn out to be subjected to diseconomies of scale, while exhibiting unclear evidence for economies of scope. In sum, it implies potential efficiency gain of the continued in-house integration of the lending activity. Third, the continued integration of the trust businesses seems to contribute to improving the efficiency of the banking businesses, since the trust businesses exhibit economies of scope. Fourth, deposit services and fee-based activities, such as foreign exchange and credit card businesses, exhibit economies of scale but constant returns to scope, which implies, the possibility of separating those businesses from other banking and trust activities. The recent trend of the credit card business being operated separately from other banking activities by an independent identity in Korea as well as in the global banking market seems to be consistent with this finding. Then, how can the possibility of separating deposit services from the remaining activities be interpreted? If one insists a strict definition of commercial banking that is confined to deposit and commercial lending activities, separating the deposit service will suggest a resolution or a disappearance of banking, itself. Recently, however, there has been a suggestion that separating banks' deposit and lending activities by allowing a depository institution which specialize in deposit taking and investing deposit fund only in the safest securities such as government securities to administer the deposit activity will alleviate the risk of a bank run. This method, in turn, will help improve the safety of the payment system (Robert E. Litan, What should Banks Do? Washington, D.C., The Brookings Institution, 1987). In this context, the possibility of separating the deposit activity will imply that a new type of depository institution will arise naturally without contradicting the efficiency of the banking businesses, as the size of the banking market grows in the future. Moreover, it is also interesting to see additional evidences confirming this statement that deposit taking and security business are cost complementarity but deposit taking and lending businesses are cost substitute (see Table 2 for cost complementarity relationship in Korea's banking industry). Finally, it has been observed that the Korea's banking industry is lacking in the characteristics of natural monopoly. Therefore, it may not be optimal to encourage the merger and acquisition in the banking industry only for the purpose of improving the efficiency.

• Proceedings of the Korean Society for Cognitive Science Conference
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• 2002.05a
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• pp.3-8
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• 2002

대규모 수험자를 대상으로 하는 경우, CBT 방식은 PBT 방식에 비해 비용이나 처리 방법에 있어 효율적이라는 장점을 갖고 있다. 하지만, CBT 평가가 제대로 운영되려면 많은 문항으로 구성된 대규모의 문제 은행이 있어야 하며, 기 구축된 문항은 적합성과 공정성이 반드시 보장되어야 한다. 이에 본 연구는 4,000여 명 이상의 수험자를 대상으로 8000문제가 넘는 문제 은행이 구축되어 실제 CBT 시스템을 개발·운영하고 있는 P 대학교 CBLT 테스트 시스템의 문항들을 분석할 방법을 제안한다. 연구 결과 CBLT 테스트 시스템의 문제 은행의 개별 문항들이 출제자 1인의 주관적 판단에 달려있어 문항에 대한 질 관리가 어렵다는 문제점을 해결하기 위해서는 고전검사이론이 적합하다고 판단된다. 그러나 매 시험이 동질한 문항 세트로 구성되기 위해서는 문항에 대한 충분하고 객관적인 자료가 절대적으로 필요하다. 이를 위해서는 CBLT 테스트 시스템과 같이 응답자 수가 2∼300여 명 전후이며, 40문항의 문항 세트에 대한 분석은 2모수 정도가 적당하다고 판단된다.

• The Journal of Information Systems
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• v.6 no.2
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• pp.1-28
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• 1997

정보시스템 기능이 아웃소싱이 정보시스템 효율과 효과성을 향상시킬 수 있는 전 략으로 고려됨에 따라 소싱유형의 결정요인을 식별하는 것은 중요하다고 할 수 있다. 본 연 구는 은행 산업에 있어서 데이터 처리 서비스의 소싱결정에 영향을 주는 요인을 조사하였 다. 아웃소싱을 관리적 혁신으로 볼 때, 혁신특성으로서 상대적 이점과 위험성이 소싱 유형 의 중요한 결정요인으로 제시된다. 미국의 1,000개 은행을 대상으로 한 현장연구(field survey)의 결과는 상대적 이점과 보안위험이 소싱유형 및 아웃소싱 선호도와 유의한 관계가 있다는 것을 보여주었다. 또한 대규모 은행이 소규모 은행보다 아웃소싱에 대해 더 큰 자율 성 위험을 가지고 있는 것으로 나타났다. 그러나 자율성 위험과 두 종속 변수와의 관계에 대해서는 비일관적인 결과가 나타났고, 정보시스템 기능의 중요성과 소싱유형 및 선호도와 의 관계, 조직규모와 상대적 이점과의 관계를 연구결과가 충분히 지지하지 못하고 있다.

• The Journal of the Korea Contents Association
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• v.9 no.12
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• pp.600-612
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• 2009

Special banks primarily using Internet have different properties in transactions with customers, risk management, capital strength, and branch networks with general banks. The success and failure factors of Internet banks have been explained only by the economies of scale, and learning and experience effects of Internet banks based on the perspective of organizational ecologies. In this study, the success factors of Internet banks are investigated based on strategic choice by organizations and resource-based view of the firms instead of organizational ecology perspective. To this end, 31 major Internet banks operating in overseas market have been classified by the size and profitability of banks, and three strategic groups have been derived. three representative company cases were analyzed. critical success factors of Internet banks were derived, and considerable points when operating Internet banks were discussed.