• 한국콘텐츠학회논문지
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• 제20권4호
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• pp.254-263
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• 2020

본 연구는 '사회공헌활동 기부은행'을 통한 돌봄대상 노인의 생활변화와 사회통합감이 돌봄서비스 만족도에 어떠한 영향을 미치는지를 파악하고, 궁극적으로는 사회적가치 및 노인의 삶의 질을 향상하는데 그 목적이 있다. 연구의 목적을 달성하기 위하여 사회공헌활동 기부은행 돌봄사업을 수행하고 있는 50개 기관의 돌봄서비스 이용 노인을 중심으로 설문조사를 실시하였고, 434명의 자료를 최종적으로 분석에 사용하였다. 분석방법은 SPSS 25 패키지 프로그램을 이용하여 빈도분석, 기술통계, 상관관계분석, 그리고 위계적 회귀분석 등을 적용하였다. 분석결과, 돌봄노인의 생활변화는 돌봄서비스 만족도에 유의미한 영향을 미치는 것으로 나타났으며, 사회통합감은 돌봄노인의 생활변화와 돌봄서비스 만족도 간의 영향 관계에서 통계적으로 유의미한 매개효과가 있는 것으로 나타났다. 이러한 결과를 토대로 노인의 삶의 질 향상과 사회통합감 및 돌봄서비스 만족도 증진을 위한 실천적, 정책적 대안을 논의하였다.

• 한국중재학회지:중재연구
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• 제16권1호
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• pp.277-314
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• 2006

This article aims at analysing the reality of banks' liability resulting from the breach of contract on its part to keep the business secrecy with the supplier in the transferable credit, focusing on a English decision, Jackson v. Royal Bank of Scotland [2005] UKHL 3. In this case, the applicant, 'Econ', had purchased various varieties of pre-packed dog chews in bulk through 'Sam'(lst beneficiary) from 'PPLtd'(2nd beneficiary) in Thailand, using a transferable letter of credit issued by 'RBank'. 'Sam' charged a tremendous amount of mark-up on each transaction and it had not been disclosed to 'Econ', although the identity of 'PPLtd' was revealed to 'Econ' by various documents. However, 'RBank' made an unfortunate error to send an completion statement and other documents including 'PPLtd.'s invoice to 'Econ' instead of to 'Sam'. The effect of the Bank's error was to reveal to 'Econ' the substantial profit that 'Sam' was making on these transactions. CEO of 'Econ' was furious and, as a result, decided to cut 'Sam' out of its importing system and terminated their relationship. 'Sam' sued 'RBank' for damages to recover the loss of profits which could have been possibly made, if the information on the mark-up would not have been exposed to 'Econ'. The House of Lord held that 'RBank' was in breach of its duty of confidence, so 'Sam' was entitled to recover damages on a decreasing scale over 4 years, since there was no specific undertaking from the letter of credit.

• 한국산학기술학회논문지
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• 제13권1호
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• pp.333-342
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• 2012

이 논문에서는 인간 청각 시스템에 기반한 모음 개시 지점 (VOP) 탐지 방법을 제시하였다. 이 방법을 통해 '지각의' 주파수 범위, 즉 선형 음향 주파수에서의 Mel Scale을 보여준 후 일련의 삼각 Mel-weighted Filter Bank를 만들어 인간의 청각 시스템에서 대역 필터링 기능을 시뮬레이션하였다. 이러한 비선형 임계 대역 Filter Bank는 데이터 차원수를 크게 감소시키고 비선형적으로 간격을 둔 Mel 스펙트럼에서 더욱 효과적으로 포먼트를 생성하기 위해 조파들의 영향을 제거해준다. Mel 스펙트럼의 첨두 에너지 합은 각 프레임의 특징으로 추출하고 에너지 진폭이 급격히 상승하기 시작할 때의 특성은 Gabor 윈도우를 사용하여 VOP로 탐지한다. 실험 결과를 통해서 다른 종류의 자음들과 연결된 12개의 모음들을 포함하는 한 단어 데이터베이스에 대한 제안된 방법의 평균 정확도는 단시간 에너지와 zero-crossing 비율에 기반을 둔 다른 모음 탐지 방법들보다 높은 72.73% 이상임을 확인하였다.

• Natural Product Sciences
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• 제18권3호
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• pp.177-182
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• 2012

Oxidative stress potentially induces neurotoxicity which is believed to underlie several major age-related diseases of the central nervous system. This study sought to identify the cytoprotective effects of sixty-nine Cambodian plants against glutamate-induced cell death. Cultured HT22 cells were applied as an in vitro model, and neurotoxicity was induced in these neuronal cells by exposure to a determined concentration of glutamate. Sixty-nine plant sources, as Cambodia's indigenous species, were purchased from O'reusey Market, Phnom Penh, and extracted with ethanol. These extracts were screened for cytoprotective effects against glutamate-triggered neurotoxicity in HT22 cells at concentrations of 100 and 300 ${\mu}g/ml$. Of these, eight ethanol extracts, bark of Anacardium occidentale, bark and sapwood of Bauhinia pulla, flowers of Borassus flabellifer, stems and leaves of Coix lacryma-jobi, bark and sapwood of Diospyros nitida, sapwood of Dipterocarpus obtusifolius, stems of Oryza rufipogon, and fruits of Phyllanthus emblica, showed significant cytoprotective effects against glutamate-induced cell damage and degeneration in HT22 cells.

• Asia Marketing Journal
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• 제15권1호
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• pp.23-42
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• 2013

To overcome the profitability challenge these days, many global banks are increasingly focusing on cost efficiency through more efficient banking processes, such as online and mobile banking, whereas a number of other banks choose to differentiate their services for retaining and attracting the most valuable customer segment (Deloitte, 2011). While global banks in the retail banking industry are adopting either of these two business models as a strategic choice for their long-term growth, KB Kookmin Bank, one of the leading retail banks in South Korea, has begun to operate 'KB Rockstar' as a strategic channel, particularly designed to target college students in the youth market. The new marketing strategy has resulted in a positive impact on its brand image in customers' perception as well as a drastic increase in the number of youth customers. In this study, we analyze the case of 'KB Rockstar' and summarize the key factors for its success from a marketing perspective. First, 'KB Rockstar' is not simply a good channel strategy, but an innovative marketing strategy that aligns place, product and promotion together in order to create a synergy effect, resulting in the successful implementation of the bank's targeting strategy. Second, the strategy effectively establishes 'KB Rockstar' as a brand targeted to youth customers while also competently strengthening the image of the corporate brand, KB Kookmin Bank. The skillful implementation of organically combined marketing mix strategies has enabled the successful launch of the bank's sub-brand. Third, the strategy considers a retail bank branch as not only the place that makes sales transactions in order to generate short-term profits, but also the place that builds a long-term relationship with customers in order to maximize their lifetime values in the long run.

• 유통과학연구
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• 제17권5호
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• pp.51-59
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• 2019

Purpose - Nowadays financial technology is crucial for each organization to facilitate business transactions and make them easier. This paper was conducted with the purpose of determining the effect of fintech including services e-payment, bills e-payment, ways of payment and bank accounts with e-government on facilitating e-government services in terms of availability, accessibility, efficiency and responsiveness. Research design, data, and methodology - The problem of this paper is summarized in the lack of studies in this subject. So, a survey was applied on 400 respondents in Egypt to investigate the impact of fintech on facilitating e-government services, in order to determine which fintech item can affect any of facilitating services dimensions. Results - The results revealed that bank accounts with e-government doesn't affect any of facilitating services dimension, while each of the remain items has an effect on some dimensions and does not has effect on others. Conclusions - Data analysis revealed that the most obstacles that face respondents resulted in the weakness of internet networks, lack of efficient employees in e-government portal and lack of system effectiveness. In general, it clears that fintech implementation affect the dimensions of facilitating e-government services, however not all fintech implementation components have the same effect on the dimensions.

• The Journal of Asian Finance, Economics and Business
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• 제8권11호
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• pp.203-212
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• 2021

Theoretically, economic growth necessitates financial liberalization. Thus, the current research examines the effect of financial liberalization on economic growth in emerging nations, with a particular focus on Egypt and Saudi Arabia. To determine this effect, the study employs a model that uses Gross Domestic Product growth as the dependent variable and the following macroeconomic variables as financial liberalization indices: Broad money as a percentage of GDP, Domestic bank credit to the private sector as a percentage of GDP, Monetary sector credit to the private sector as a percentage of GDP, Net inflows of foreign direct investment as a percentage of GDP. All data is annual data of Egypt and the Kingdom of Saudi Arabia for the period 1970-2018 obtained from the World Bank open data website. The empirical investigation employs the Autoregressive Distributed Lag (ARDL) approach. The findings indicate that, after more than three decades of implementation, both countries' financial and external liberalization policies do not have a favorable effect on their economies' growth rates. Additionally, this study has led us to conclude that any financial liberalization policy in both countries must be preceded by the strengthening of these countries' financial development and institutional frameworks, as well as the achievement of macroeconomic stability.

• The Journal of Asian Finance, Economics and Business
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• 제8권7호
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• pp.477-489
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• 2021

The purpose of this study is to examine the effects of credit risk on commercial banks' profitability in Afghanistan. Due to the availability of limited data, this study applies the Fixed Effects estimator on balance panel data of six domestic private commercial banks over the period 2014-2018. The study uses LLRTL, TLTA, and TLTD as credit risk indictors, size as bank-specific determinant, ROAA, ROAE, and NIM as profitability indicators. The study finds a robust negative and significant effect of LLRTL on ROAA, and ROAE, but positive and insignificant on NIM. The results also reveal significant positive effect of TLTA on NIM, however insignificant negative on ROAA while insignificant positive on ROAE. The study finds negative effect of TLTD on ROAA, ROAE, and NIM, but only significant on NIM. Further, this study reveals a robust negative and significant effect of size on all profitability indicators. The mean comparison of profitability demonstrates that NIM is in a better situation than others profitability indicators, which is a good sign for the Afghan banking sector. The findings of this study suggest that improving credit management, increasing efficiency of asset management or effectiveness of business model can increase commercial banks' profitability in Afghanistan.

• The Journal of Asian Finance, Economics and Business
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• 제9권2호
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• pp.185-191
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• 2022

The purpose of this research is to see if liquidity, non-performing assets, sensitivity, and efficiency have an impact on the profitability and capital of Indonesian state-owned banks. A random sample of public banks was used in this study. The data was collected from the first quarter of 2014 to the fourth quarter of 2019. Purposive sampling was used as the sampling technique. According to the findings of this study, liquidity (LDR) had a significant positive effect on capital but had no significant effect on profitability. Productive asset quality as proxied by the ACA and NPL ratios did not affect profitability or capital. As for the sensitivity ratio, which was proxied by the ratio of NOP and IRR, there were differences in behavior. Sensitivity had no significant impact on profitability or capital, while NOP had a significant positive impact on capital but not on profitability. In terms of efficiency, both OER and FBIR had a significant effect on profitability and capital, although in different directions. OER has a significant negative impact on both profitability and capital. Fee-based income (FBIR) had a significant positive impact on capital, but it had the opposite effect on profitability.

• 문화기술의 융합
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• 제7권4호
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• pp.1-7
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• 2021

본 연구는 주택담보대출이 은행 재무건전성에 미치는 영향을 분석하였다. 또한 금융위기 전후하여 주택담보대출이 은행의 재무건전성에 미치는 영향이 차이가 있는지 검증하였다. 본 연구는 2007년부터 2018년 동안 국내 일반은행의 데이터를 사용하였으며, 금융감독원의 금융통계정보시스템에서 자료를 추출하였다. 표본은행은 계속해서 영업하고 있는 12개 은행을 포함하고 있으며, 금융위기 전후에 13년 간의 패널 데이터를 사용하였다. 분석 결과를 요약하면 다음과 같다. 첫째, 주택담보대출비율의 추정계수가 은행의 BIS 자기자본비율과 유의적인 음(-)의 관계를 보이고 있다. 또한 금융위기 이후 주택담보대출비율은 은행의 BIS 자기자본비율과 유의적인 양(+)의 영향을 미친 것으로 나타났다. 둘째, 주택담보대출비율의 추정계수가 은행의 고정이하여신비율과 유의적인 양(+)의 관계를 보인 것으로 나타났다. 또한 은행의 주택담보대출비율은 은행의 고정이하여신비율에 미치는 영향이 금융위기를 전후하여 유의적으로 변화하는 것으로 추정되었다. 본 연구는 국내은행 재무 건전성의 영향 요인으로 주택담보대출비중을 연구하였다는 점에서 기존 연구와 차별성이 보인다. 향후 국제 금융환경의 변화, 부동산 가격 하락 등 외생적 요인의 발생에 대비하여 가계대출의 건전성 개선에 더욱 많은 노력을 기울일 필요가 있을 것이다.