• Title/Summary/Keyword: Bank Effect

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A Study on Analyzing Structural Changes and Growth Factors of the Three Main Industries in Ulsan Metropolitan City using Regional Input-Output Tables (지역산업연관표를 이용한 울산광역시 3대 주력산업의 구조변화와 성장요인 분석)

  • Kim, So-youn;Ryu, Suyeol
    • Journal of the Economic Geographical Society of Korea
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    • v.20 no.1
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    • pp.1-15
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    • 2017
  • This paper analyzes empirically how the three main industries (petrochemical industry, shipbuilding industry, automobile industry) that are driving the growth of Ulsan region in 2005~2013 have grown by what factors. For this purpose, we investigate the structural changes of the three main industries by using regional input-output tables announced by the Bank of Korea and examine the growth contribution rate of each industry that is divided into domestic final demand, export demand, import substitution for final goods, import substitution for intermediate goods and technological change, respectively. The growth rate of gross output and aggregate demand in petrochemical and automobile industries increased in 2010-1013 compared to 2005-2010, but the growth rate of gross output and aggregate demand in shipbuilding industry slowed down. As a result of analysis of factors contributing to the increase in gross output of the three main industries, export demand has the greatest effect. By industry, the rate of growth contribution of export demand in petrochemical industry is recorded as 209.23% in 2005-2010 and 113.78% in 2010-2013, respectively. The rate of growth contribution of export demand in automobile industry is recorded as 258.72% in 2005-2010 and 72.69% in 2010-2013, respectively. On the other hand, the rate of growth contribution of export demand in shipbuilding industry is recorded as 94.47% in 2005-2010, but it decreased to -255.32% in 2010-2013. Analysis of growth factors of Ulsan's three main industries is expected to serve as the basis for reorganizing related industrial policies and establishing them.

Research on the Application Methods of Big Data within SME Financing: Big data from Trading-area (소상공인의 자금공급 확대를 위한 빅데이터 활용 방안연구)

  • Lee, Ju Hee;Dong, Hak Lim
    • Asia-Pacific Journal of Business Venturing and Entrepreneurship
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    • v.13 no.3
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    • pp.125-140
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    • 2018
  • According to statistics, it is shown that domestic SMEs rely on bank loans for the majority of fund procurement. From financial information shortage (Thin file) that does not provide information necessary for credit evaluation from banks such as financial statements. In order to overcome these problems, recently, in alternative finance such as P2P, using differentiated information such as demographics, trading information and the like utilizing Fintech instead of existing financial information, small funds A new credit evaluation method has been expanding to provide SMEs with small amounts of money. In this paradigm of environmental change, in this research, credit evaluation which can expand fund supply to SMEs by utilizing big data based on trade area information such as sales fluctuation, location conditions etc. In this research, we try to find such a solution. By analyzing empirically the big data generated in the trade area, we verify the effectiveness as a credit evaluation factor and try to derive the main parameters necessary for the business performance evaluation of the founder of SMEs. In this research, for 17,116 material businesses in Seoul City that operate the service industry from 2009 to February 2018, we collect trade area information generated for each business location from Big Data specialized company NICE Zini Data Co., Ltd.. We collected and analyzed the data on the locations and commercial areas of the facilities that were difficult to obtain from SMEs and analyzed the data that affected the Corporate financial Distress. It is possible to refer to the variable of the existing unused big data and to confirm the possibility of utilizing it for efficient financial support for SMEs, This is to ensure that commercial lenders, even in general commercial banks, are made to be more prominent in one sector of the financing of SMEs. In this research, it is not the traditional financial information about raising fund of SMEs who have basically the problem of information asymmetry, but a trade area analysis variable is derived, and this variable is evaluated by credit evaluation There is differentiation of research in that it verified through analysis of big data from Trading-area whether or not there is an effect on.

Study on Permeability, Optimum Yield and Long-term Stability in Alluvial Well with Filter Layer Change (충적우물에서 필터층 변화에 따른 투수특성, 적정양수량 및 장기적 안정성에 대한 연구)

  • Song, Jae-Yong;Lee, Sang-Moo;Choi, Yong-Soo;Kim, Ki-Joon;Jeong, Gyo-Cheol
    • The Journal of Engineering Geology
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    • v.28 no.1
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    • pp.101-115
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    • 2018
  • This study was carried out to evaluate the effects of various filter conditions on unconfined aquifer (alluvial aquifer). We made model test device which has filter layer, pumping well and observation well which consist of sand layer and gravel layer to test. Step drawdown test and long term pumping tests were carried out using the device. The permeability characteristics of each test group were confirmed and the optimal yield was calculated. As a result of comparing the optimal yield of double filter and single filter in sand, dual-filter SD-300 was valued at 216.8 % higher final optimal yield than single-filter SS-300. Comparing the dual filter SD-300 and the single filter SS-100 with a thin filter layer, dual-filter SD-300 was valued at 709.2% higher final optimal yield than single-filter SS-300. As a result of analysis of optimal yield change over time, It was confirmed that the ratio of optimal yield of single filter and dual filter increase over time. In order to evaluate the long-term change in water intake efficiency, we considered the point at which the initial optimal yield was reduced by 50%. The dual filter SD-300 is about 351.1% higher than SS-300, which is the same thickness filter, and about 579.0% higher than SS-100. From these results, Assuming that the point at which the initial quantity of water intake is reduced to 50% is the well life, double filters are expected to increase their lifespan by about 3.5 times over single filters of the same thickness and by about 5.8 times over typical single filter. These results can be used to design wells to river bank filtration or filtered seawater. In addition, it is possible to clarify the effect of the double filter through the comparison with the future field test results.

Identification of Novel Single Nucleotide Polymorphisms on ADSL Gene Using Economic Traits in Korean Native Chicken (한국재래닭의 ADSL 유전자 내 단일염기변이를 이용한 경제형질과의 연관성 분석)

  • Lee, J.A.;Jeon, S.A.;Oh, J.D.;Park, K.D.;Choi, K.D.;Jeon, G.J.;Lee, H.K.;Kong, H.S.
    • Korean Journal of Poultry Science
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    • v.36 no.3
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    • pp.207-213
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    • 2009
  • Adenylosuccinate lyase (ADSL) deficiency is a disease of purine metabolism which affects patients both biochemicall and behaviorally. An obstacle of this purine nucleotide cycle(PNC) can be caused brain functional disorder and growth disorder. So ADSL deficiency, which is associated with sever mental retardation, autistic features and energy metabolism. This study was performed to identify SNP on ADSL gene in chicken. The nucleotides were observed as T to C ($7724^{th}$ nucleotide), C to T ($7732^{nd}$ nucleotide), G to T ($10108^{th}$ nucleotide), A to T ($10356^{th}$ nucleotide), G to A($10375^{th}$ nucleotide), A to C ($10402^{nd}$ nucleotide), A to T ($12716^{th}$ nucleotide), T to A ($12717^{th}$ nucleotide), C to T ($15491^{st}$ nucleotide), C to T ($15542^{nd}$ nucleotide) and C to T ($15550^{th}$ nucleotide). The nucleotide substitutions at $15542^{nd}$ and $15550^{th}$ (GeneBank accession no. AY665559) were found as missense mutation (alanine$\rightarrow$valine, proline$\rightarrow$serine, respectively). This study will be useful for farther researches for identifying association between these SNPs and energy metabolism in chicken. The C15550T SNP showed three genotypes, CC, CT, TT by digestion with the genotype TT had significantly faster the first lay day (150.0) than CT (162.0, P<0.05) and genotype TT (150.0, P<0.05) had significantly higher the egg production rate than CT (172.4, P<0.05). According to result of this study, a C15550T was found to have a significantly effect first lay day and mean egg production. It will be possible to use SNP marker on selecting chicken to improve important economic traits, which is the first lay day and mean egg production.

Ecological Characteristics and Management Proposal of Abeliophyllum distichum Subpopulations in the Byeonsanbando National Park (변산반도국립공원 내 미선나무 아개체군의 생태적 특성과 관리제언)

  • Lim, Dong-Ok;Hwang, In-Chon;Choi, Hyon-Woo;Kim, Yong-Shik
    • Korean Journal of Environment and Ecology
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    • v.23 no.2
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    • pp.116-126
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    • 2009
  • This study was carried out focused an ecological characteristics and habitat management of Abeliophyllum distichum subpopulations in the Byeonsanbando National Park, Korea. Among three subpopulations of the target species in the studied area, Gamaso region are known as translocation site due to the dam construction while the wild populations which is located at both the lower terrain of the Buandaem bank and Chongnim-ni, which is designated as Natural Monument No 370, is threat due to an intensive site management likes clearance of scrub amongst the Abeliophyllum plants. Vascular plant taxa in the studied sites were summarized as 182 taxa; 65 families, 143 genera, 164 species, 17 varieties and 1 form, and Gamaso area, the lower terrain of the Buandaem and Cheongnim-ni areas are summarized as 75, 102 and 89 taxa, respectively. The plant species likes persimmon tree, paulownia tree and wild mulberry tree are dominant species in the Gamaso subpopulation, while Quercus variabilis is dominant at the lower terrain of the Buandaem. The intensive site management was applied to the Cheongnim-ni subpopulation, one of the original wild habitats of the species. The population dymanics was varied; the one or two sprouting number of stems was over 87% both at Gamaso area and the lower terrain of the Buandam, while the Cheongnim-ni subpopulation recorded as 74.8%. Also three sprouting number recorded as 16% and as 9.2% for sprouting on numbers of four to eleven. The invaded species likes Chenopodium album, Rumex obtusifolius, Phytolacca americana, Pharbitis nil, Solanum lyratum, Erigeron canadensis and Erigeron annuus, were found at the wild habitat of the species, and those invaded species grow faster than Abeliophyllum plants. Among three habitats of the target species in the studied area, the habitat which in located at the lower terrain of the Buandam and Gamaso region are known as translocated due to the dam construction, and wild subpopulation at Chongnim-ni, which is designated as Natural Monument No 370, is under threatened due to an intensive site management likes clearance of scrub amongst the Abeliophyllumplants. It is one of the evidence that Cuscuta japonica at the population indicated an intensive site management likes clearance of scrub is not proper habitat management protocol. Thus, further researches should be followed to determine the effect of canopy removal and other disturbance factors as management techniques.

The Effect of Forest Production on National Income (임업생산(林業生産)이 국민소득(國民所得)에 미치는 영향(影響))

  • Lee, Sung Yoon
    • Journal of Korean Society of Forest Science
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    • v.9 no.1
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    • pp.61-74
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    • 1969
  • Forest area in Korea ocupies as much as 68 percent of the total land area, but forest production figure in the statistics is rather trifling: that is about 2 percent of Gross National Production (G.N.P.), on the average. In view of the primary industrial sector, its production only weighs no more than 5 percent of this whole sector. Forest production written above refers only to direct forest income of the whole forest income. For the primary forest products they are in many cases used as raw materials for other interrelated industries. The added value there-from, which arises from round about production Process, in other word, indirect income is of most singnificance. Nevertheless, until nowadays forest production has been merely refered to timber production i, e, direct production but indirect income has never been looked upon. In this regard, calculated indirect forest income by means of input ratio method. The material used were Leontiefls tables of two 1963 and 1966 fiscal years, surveyed and analysed by The Bank of Korea. Indirect forest income calculated were 42,688,200,000 won in 1963 and 74,789,800,000 won in 1966 compared direct forest income of 14,361,000,000 won in 1963 and 17,709,000,000 won in 1966. So far as indirect forest income is considered total forest production indices composed of direct and indirect forest income amount to 8.23% in 1963 and 10.12% in 1966 of Gross National Production. Invisuable forest income which originates from, what we cal, indirect benefit of forestry such as land conservation, flood and drought control, soil run off control, scenic beauty and many others is naturall, not included in the calculation. As already mentioned, primary forest products are, for the most part, utilized as raw materials for other industries, therefore indirect forest income is rather appreciable than direct forest income, contributing for the growth and development of other connected industries. In these points of view, forestry must not be evaluated trifling in deciding industrial importances.

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A Study on the Service Quality Improvement by Kano Model & Weighted Potential Customer Satisfaction Index (Kano 모델 및 가중 PCSI를 통한 서비스품질 개선에 관한 연구)

  • Kim, Sang-Cheol
    • Journal of Distribution Science
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    • v.8 no.4
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    • pp.17-23
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    • 2010
  • The Banking industry is expanding rapidly. To keep the competitive advantages, participating companies concentrate their resource to provide the distinguishable services by increasing the service quality. This study is to find that how three kinds of service quality(process, output, and service environment) affect on the customer satisfaction. In this paper, WPCSI (Weighted Potential Customer Satisfaction Index) was developed using Kano model and PCSI. Kano's model of service quality classification was used to improve customer satisfaction, customer satisfaction index was calculated. Customer satisfaction index was calculated using the existing potential for improving customer satisfaction index (PCSI Index) to complement the limitations of the weighted potential improve customer satisfaction index (WPCSI) were used. Analysis using PCSI improve the quality of service levels may be useful in assessing. However, this figure is a marginal degree of importance on customers and quality characteristics have been overlooked but has its problems. A service provided to customers with some important differences depending on the interpretation of the scope for improvement is to be classified. In other words, the level of customer satisfaction and the satisfaction of the current difference between the comparison factor for the company to provide information about the priority of the improvement was not significant. Companies are also considered important that the customer does not consider the uniform quality of service provided can be fallible. In this study, the weighted potential to improve it improve customer satisfaction index (WPCSI) proposed a new customer satisfaction index. This is for customers to recognize the importance of quality characteristics by weighting factors, to identify practical and improved priority to provide more useful information than has been. Weighted potentially improve customer satisfaction index (WPCSI) presented in this study by the customers aware of the importance of considering the quality factor is an exponent. The results, 'Employees' working ability', 'provided the desired service level', 'staff to handle this task quickly enough' to the customer of the factors had significant effects on satisfaction are met. On the other hand 'aggressiveness on the product description of employees', 'service environment as a whole, beautiful enough to' meet and shows no significant difference between satisfaction. But 'aggressiveness on the product description of employees' and reverse (逆) were attributable to the quality. Small dogs and overly aggressive products that encourage the customer dissatisfaction that can result in widening should be careful because the quality factor can be said. As a result, WPCSI is more effect to find critical factors which can affect customer satisfaction than PCSI. After that, we discuss effects and advantages of customer satisfaction using WPCSI. This study, along with these positive aspects, the limitations are implied. First, this study directly to the bank so that I could visit any other way for customers, utilizing the Internet or mobile to take advantage of the respondents were excluded from the analysis. Second, in survey questionnaires can help improve understanding of the measures will be taken. In addition to the survey targeted mainly focused on Seoul, according to a sample, so sampling can cause problems is the viscosity revealed intends.

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Physico-chemical and Microbial Properties of Sausages Affected by Plant Scale and Cooking Treatments during Refrigerated Storage (가열조건 및 공장 규모에 따른 소시지의 냉장저장 중 이화학적 및 미생물적 품질특성)

  • Choi, Yun-Sang;Ku, Su-Kyung;Jeon, Ki-Hong;Park, Jong-Dae;Lim, Sang-Dong;Kim, Hee-Ju;Kim, Ji-Ho;Kim, Young-Boong
    • Korean journal of food and cookery science
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    • v.32 no.4
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    • pp.390-399
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    • 2016
  • Purpose: The objective of this study was to examine the effect of plant scale and cooking conditions on the quality characteristics of sausages during refrigerated storage. Methods: Sausages used in this study were classified into two groups: those submitted to $1^{st}$ cooked treatments and those submitted to $2^{nd}$ cooked treatments. The pH, volatile basic nitrogen (VBN), gas production ratio, and microorganisms were measured in triplicate. Results: The change of quality in the products was assessed every 7 days by measuring pH, VBN levels, total microbes, coliform bacteria, Escherichia coli, and pathogenic bacteria in the products. Pathogenic bacteria such as Staphylococcus aureus, Listeria monocytogenes, Clostridium perfringens, and E. coli were not detected in the sausages with $1^{st}$ cooked treatments. The results showed that the pH of the sausages decline as storage time increased. The pH value of the sausages with $2^{nd}$ cooked treatments changed gradually. VBN levels were generally lower in products with $2^{nd}$ cooked treatments than in those with $1^{st}$ cooked treatments, but they varied with the type of products. On the $35^{th}$ day, the number of total microbes ranged between 6.13-7.12 log CFU/g in products with $1^{st}$ cooked treatments and 3.44-6.92 log CFU/g in products with $2^{nd}$ cooked treatments, showing fewer bacteria in the latter products. Conclusions: $1^{st}$ cooked treatments were effective in microbial control, but $2^{nd}$ cooked treatments could prolong the shelf life of the sausages, indicating a need for differential management of each product.

Stimulation of Flowering in Chamaecyparis obtusa Grafts by Gibberellin Treatments (Gibberellin 처리(處理)에 의(依)한 편백나무의 개화촉진(開花促進))

  • Kim, Won Woo;Kim, Zin Suh
    • Journal of Korean Society of Forest Science
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    • v.87 no.4
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    • pp.549-556
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    • 1998
  • To develop the effective methods of flowering stimulation, Hinoki cypress (Chamaecyparis obtusa Sieh. et Zuec.) grafts growing in a seed orchard and in a clone bank in Southern Breeding Station of Cheju were applied with gibberellin treatments, and predicted the seed production potential. In the seed orchard, $GA_{4/7}$ 1.5cc was injected into the stem of drafts and sprayed whale tree crown with $GA_3$ 300ppm and $GA_{4/7}$ 300ppm. Un the other hand, in the clonal archives, drafts were given intrusion of $GA_{4/7}$ 1.5cc into the excised and open inner part of bark wind $GA_3$ 20mg and sprayed with $GA_3$ 300ppm. Additionally, grafts growing in the seed orchard were treated with gibberellins at 3 different periods of time and 3 different treatments during the growing season. The results obtained here are summarized as follows : 1. All of the applications of Gilbberellin promoted female flower formation. Among these, the treatment of intrusion of $GA_{4/7}$ 1.5cc into the excised and open inner part of bark was racist effective, followed by the spraying of $GA_3$ 300ppm. Similarly, the applications of gibberellin promoted male flower formation. 2. Regarding the time of applications, treatment on August 15 was more effective than those of August 31 and September 11 in the stimulation of female flowers. On the contrary, there was no significant difference in the number of male flowers among 3 different time treatments. 3. It was supposed that the application of the intrusion of $GA_{4/7}$ 1.5cc into the excised and open inner part of bark on August 15 showing the best effect in female flower formation can produce 22.12kg seeds per ha. 4. Considerable significant difference existed among clones for both female and male flower formations. 5. Flower formation, especially female flower formation, seemed to be partially associated with the genetic potential of individual trees.

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Minimum Wage and Productivity: Analysis of Manufacturing Industry in Korea (최저임금과 생산성: 우리나라 제조업의 사례)

  • Kim, Kyoo Il;Ryuk, Seung Whan
    • Economic Analysis
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    • v.26 no.1
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    • pp.1-33
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    • 2020
  • Recent discussions about a minimum wage increase (MWI) and its influence on the economy have mainly focused on the quantitative aspects, such as labor costs and employment. However, concerning the qualitative aspects, an MWI could have positive effects by enhancing firm productivity and crowding out marginal firms from the market. These positive effects of an MWI can offset, to some extent, its potential negative effects - increasing labor costs and decreasing employment, among others. In this regard we empirically examine the impact of an MWI on firm productivity (total factor productivity). Using firm level panel data from the manufacturing industry in Korea, we calculate the influence rates of a minimum wage by sector and by firm size (number of workers), and analyze its effects on firm productivity. In particular, the production functions of the firms are estimated by taking into account endogeneity among the input factors, in order to resolve the drawbacks of existing studies - underestimating the capital factor coefficient and overestimating the labor factor coefficient. This study finds that the influences of an MWI on wages, employment, and productivity are substantially different across sectors and firm sizes. While an MWI has shown to have positive influences on productivity growth in the manufacturing industry as a whole, each sector demonstrates a different direction of effect, and the degree of productivity change also varies by sector. The impacts of an MWI on firm productivity are generally estimated to be more negative for smaller firms, but in some sectors the effects are found to be positive. In addition, the wage increases resulting from an MWI seem to cause a productivity enhancement across all sectors in the manufacturing industry. The policy implications of this study are as follows. Considering the empirical findings that an MWI causes an increase in productivity in many sectors of the manufacturing industry, it would be desirable to take into consideration not only the negative side effects but also the positive effects of an MWI when designing any future minimum wage policy. Moreover, in spite of there being a uniform minimum wage, this study finds that the diverse influence rates of a minimum wage across firms have different impacts on wages, employment, and productivity across sectors or firm size. This finding could be conducive to discussions about differentiation among minimum wage schemes by sector or firm size.