• Journal of the Korea society of information convergence
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• v.8 no.1
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• pp.13-23
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• 2015

The study examines the current situations of bank industry whose profitability has been worse recently, finds out the causes of the reduced bank profits, and presents ways to solve the problem. The ways to strengthen the profitability are as follows:First, the expansion of business area is needed. It is necessary to expand business that will create new profits through M&A between the bank and other industries. Second, reorganization for the high-value business is needed. The bank should no longer depend on the profits by deposits and loans, but develop high-value business area for high profitability. The bank business strategy needs to focus on the long-term profitability, not the short-term one. Third, the structure of bank needs to be slimmed. Slimming the structure should be based on the efficiency of business for the future, not for a short-sighted profitability. Fourth, the interest rates of deposits and loans need to be differentiated. The bank profitability can be enhanced by promoting deposits and loans which reflect low risk and high profitability. Fifth and lastly, advancing to abroad needs to be revitalized. Securing the oversea's bank markets can play a key role in strengthening the profitability of banks in the future.

• 프린팅코리아
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• v.7 no.9
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• pp.90-93
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• 2008

2008년 상반기 인쇄업은 내수 경기 부진의 지속과 약화, 원재료구입가격의 급등으로 어려움을 겪었다. 반면 수출은 지속적으로 호조를 보였다. 한국은행에서 조사한 2008년도 BSI 통계에 따르면 인쇄업계의 업황은 1~4월까지 지난 2007년과 큰 차이가 없었으나 5월 이후 72, 63의 수치를 기록하며 하반기 전망을 어둡게 했다. 이는 지난해 71~85의 수치와 비교할 때 80(1월), 76(2월), 79(3월), 72(5월), 63(6월)으로 4월까지는 엇비슷하지만 5월 이후 13, 15로 차이가 크게 벌어지고 있으며 주원인은 급등하고 있는 원재료구입가격에 따른 것으로 보인다.

• International Area Studies Review
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• v.12 no.2
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• pp.27-53
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• 2008

This paper investigates factors determining the level of nontraditional activities at banks around the world. Specifically, the paper examines what kinds of firm-specific and country-specific characteristics determine the level of noninterest income using a comprehensive multi-country database. This paper focuses beyond the traditional U.S. based analyses and provides detailed asset-liability management practices of banks around the world.The findings suggest that banks' size and loan loss provision, explicit deposit insurance, banking restriction, banking freedom ranking of respective countries, the extent of state and foreign ownership, governance, and transparency of the country have positive effects on the level of nontraditional activities. Greater dependence on traditional lending and financing, market based economy, and multiple bank supervisory bodies in the country have negative associations with noninterest income. The economic development of country however affects the extent of the relationship.

• International Commerce and Information Review
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• v.18 no.2
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• pp.85-103
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• 2016

This study deals with a research on Korean American economy and Korean banks operated in California where a large percentage of Korean residents in the U.S. is concentrated. Using date published by U.S. Census and the Federal Deposit Insurance Corporation (FDIC), quantitative analyses have been performed on the asset, employment, market share and other features of selected Korean American financial institutions. Also, each bank's status of financing and asset management are reviewed through the analysis of its balance sheets. The outcome of analysis on the status of Korean American banks are summarized as follows: First, Korean American banks are shown to be growing to become major banks with equivalent scale as mainstream banks. Second, the recently improved fundamentals of Korean American banks are identified. Third, the operational performances of Korean American banks are verified to be similar to the average of Californian banks.

• KDI Journal of Economic Policy
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• v.33 no.2
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• pp.41-79
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• 2011

This study examines the compensation scheme for the executives and risk-taking behavior in the Korean banks. Theoretically, shareholders prefer risky asset choice to the optimal one due to the limited liability feature of reward, and stock-based executive compensation may induce choices favorable to the shareholder. We empirically test this risk-taking hypothesis using Korean banks' data. Since only the stock option data is available under the current disclosure system, we limit our analysis to examine the relationship between the compensation through stock option and the risk of banks. The result provides no evidence that stock option compensations increase the risk of banks, which is contrary to the theoretical prediction and preceding studies in the US. This may be due to any factor that the executive reward data omit, or regulation effects on the bank management.

• 프린팅코리아
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• s.14
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• pp.36-43
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• 2003

한국은행이 최근에 발표한 1990년 이후 인쇄업체의 기업경영 분석에 따르면 인쇄산업의 성장세는 주춤하거나 하락세를 보인 반면, 각 기업의 재무구조는 건실해 진 것으로 조사됐다. 외형보다는 내실화에 집중하는 경향은 97-98년을 전후로 뚜렷하게 나타났는데, 구제금융의 한파 이후 환율상승과 이자율 급등에 어려움을 겪었던 업체들이 기업의 내실 경영에 치중했기 때문이다. 기업 경영의 안정성이 점차 확보되는 가운데 몇가지 우려되는 점은 과다경쟁으로 인한 부가가치 하락과 99년 이후 양호해 지던 각종 지표들이 2002년 들어 주춤하는 양상을 보이고 있다는 점이다. 한국은행 발표자료를 업계의 성장성, 생산성, 손익의 관계비율, 매출액과 관련된 기업경영, 자산 및 부채 관계비율로 나누어 분석해 보았다.

• Information Systems Review
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• v.1 no.1
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• pp.51-61
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• 1999

• Monthly Duck's Village
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• s.67
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• pp.68-70
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• 2009

농림수산식품부는 지속적으로 소비가 증가하고 있는 오리고기의 위생적 관리 및 생산성 향상을 위해 축산업 등록대상에 '종오리업'을 신설하여 축산업등록을 의무화하고, AI상시방역 체계구축과 사전 가축질병예방을 위해 '양계업'과 '오리사육업'의 축산업 등록대상 규모를 현행 $300m^2$이상에서 $50m^2$이상으로 확대하는 등을 주요 내용으로 하는 "축산법시행령"이 2008년 12월 24일 개정 공포되었다고 밝혔다. 축산업 등록대상 : (1)부화업 (2)계란집하업 (3)종축업(종돈업, 종계업, "종오리업") (4)대통령령으로 정하는 규모의 소사육업, 양계업, 그 밖에 대통령령으로 정하는 가축사육업 또한, 축산발전기금의 융자사무 취급기관을 농협 은행에서 새마을금고와 신용협동조합으로 확대하여, 농업인들이 편리한 금융기관을 선택 이용할 수 있게 되었다. 농림수산식품부는 앞으로도 의견 수렴을 통해 축산농업인의 불편사항을 해소하고, 위생적이고 안전한 축산물이 국민들에게 공급될 수 있도록 지속적으로 제도개선을 추진해 나갈 예정이다.

• Journal of Digital Convergence
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• v.17 no.4
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• pp.123-136
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• 2019

This study is to provide a method to increase the credit rating of the company by examining and managing the executive competency of the CEO of SMEs and Venture Firms. We analyzed the importance and priority of AHP by surveying bank loan staff and CEOs. According to the analysis results, ethics management, strategic thinking, and expertise level were the highest in the relative importance of bank loan staff. The relative importance of CEOs was higher in order of marketing, bank transaction reliability, and financing. Result of this study is similar to the relative importance of the previous research. This study suggests to disclosing credit rating system and reflect the opinions of the CEO in order to protect financial consumers. The significance of this study is to present the factors and the importance that can help to develop advanced models.

• Journal of Korea Society of Industrial Information Systems
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• v.27 no.6
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• pp.115-126
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• 2022

The purpose of this study is to try to IPA(Importance-Performance Analysis) by applying text mining approaches to user review data for korea mobile banking applications, and to derive priorities for improvement. User review data on mobile banking applications of korea commercial banks (Kookmin Bank, Shinhan Bank, Woori Bank, Hana Bank), local banks (Gyeongnam Bank, Busan Bank), and Internet banks (Kakao Bank, K-Bank, Toss) that gained from Google playstore were used. And LDA topic modeling, frequency analysis, and sentiment analysis were used to derive key attributes and measure the importance and satisfaction of each attribute. Result, although 'Authorizing service', 'Improvement of Function', 'Login', 'Speed/Connectivity', 'System/Update' and 'Banking Service' are relatively important attributes when users use mobile banking applications, their satisfaction is not at the average level, indicating that improvement is urgent.