• Title/Summary/Keyword: Bank Size

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IT프로젝트 규모와 유형에 따른 IT투자 의사결정기준의 차이 (The Impact of IT Project Size and Types on IT Investment Decision Criteria)

  • 이국희
    • Journal of Information Technology Applications and Management
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    • 제12권1호
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    • pp.191-211
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    • 2005
  • This study investigates the decision criteria used in the context of IT investment decision making and empirically analyzes the impact of IT project size and types on the importance of decision criteria. 5 criteria which have been extracted from the previous studies and industry practices are budget, financial benefits. strategic value. risk, and the degree of proposer's eagerness. Data of 120 IT project proposals have been collected from 5 companies including bank, insurance. and stock trading company. As results of ANOVA test. 7 out of 10 hypothesis have been accepted statistically. That is. the bigger the project size. the higher the evaluation weight of project budget and risk criteria and the lower the weight of proposer's eagerness. And in case of the infrastructure investment type. the emphasis is placed more on strategic value and risk criteria and less on financial benefit and proposer's eagerness. These findings provide insights for both IT practitioners and researchers.

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적응집락추출에서 표본크기 결정과 추정량의 효율 비교 (Determination of Sample Size and Comparison of Efficiency in Adaptive Cluster Sampling)

  • 낭궁평;원혜경;최재혁
    • 응용통계연구
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    • 제20권3호
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    • pp.605-618
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    • 2007
  • 모집단 단위들이 희박하게 존재하고 접근하기 어려운 경우에 적용하는 적응추출설계에서의 추출과정은 관심변수의 관측값에 의존한다. 동일한 표본크기에서 적응집락추출의 추정량은 단순임의추출의 추정량에 비해 효율이 더 좋다 적응추출에서 Rao-blackwell의 정리를 적용하여 Murthy의 추정량의 형태로 수정한 한센-휴비_(HH) 추정량과 호르비_-톰슨 (HT) 추정량은 기존의 추정량에 비해 작은 분산을 가진다. 본 연구는 초기표본을 바꿔가면서 기대표본크기와 적응추출의 표본크기 하의 단순임의추출의 추정량과 적응추출의 추정량의 효율을 비교하였다.

The Relationship Between Government Size, Economic Volatility, and Institutional Quality: Empirical Evidence from Open Economies

  • MUJAHID, Hira;ZAHUR, Hafsah;AHMAD, Syed Khalil;AYUBI, Sharique;IQBAL, Nishwa
    • The Journal of Asian Finance, Economics and Business
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    • 제9권5호
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    • pp.19-27
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    • 2022
  • The size of the government is one of the most fundamental debates of open economies. In any economy, government plays an important role, but a pertinent level of economic prosperity has never been obtained in history without government. Therefore, the objective of this paper investigates the association of government size, economic volatility, and institutional quality for 182 economies from the time period 1996-2016 is collected from the World Bank database. GE is defined as the General government's final consumption expenditure. Health expenditure is represented by HE. Government expenditure on education is denoted by EDUEXP. The economic volatility is measured by the rolling standard deviation of GDP per capita growth rate, Population growth, Trade openness, GINI represented Gini index which measures the degree to which the income distributed or consumption expenses among citizens deviates from a perfectly equal distribution. The results proposed that economic volatility has a significant effect on government size and institutional qualities. Moreover, the paper extends the investigation by finding the link between economic volatility with government health and education expenditure separately. The policy implication drawn from this analysis is that controlling economic volatility may reduce the size of government and also significantly affect health and education expenditures.

Echinostoma macrorchis Metacercariae in Cipangopaludina chinensis malleata from Xiengkhuang Province, Lao PDR and Morphologies of Adults from Experimental Animals

  • Sohn, Woon-Mok;Na, Byoung-Kuk;Lee, Dongmin;Eom, Keeseon S.;Yong, Tai-Soon;Chai, Jong-Yil;Min, Duk-Young
    • Parasites, Hosts and Diseases
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    • 제57권6호
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    • pp.657-664
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    • 2019
  • We identified the echinostome metacercariae in Chinese mystery snails, Cipangopaludina chinensis malleata, from Xiengkhuang Province, Lao PDR with morphologies of adult worms recovered. Total 20 snails were examined with artificial digestion method and then the collected metacercariae were orally infected to a mouse and a rat. Adult worms recovered from experimental animals were observed with a light microscope and a SEM. The metacercariae were round, 125×123 ㎛ in average size, with a moderately thick cyst wall, collar spines distributed in the head collar and excretory granules in 2 canals of excretory tube. Adult flukes (3-week-old in a rat) were elongated, ventrally curved and 5.310×1.023 mm in average size. Head collar distinct, bearing 43 collar spines with 5 end group ones on each side. Oral sucker subterminal, prepharynx very short, pharynx well developed, and esophagus relatively short. Cirrus sac well developed, with a saccular seminal vesicle, and ventral sucker very large. Ovary round and on the median line of the body. Testes tandom and elongated. Eggs operculated, elliptical and 90×57 ㎛ in average size. In the SEM observation, the head crown prominent, with 43 collar spines resembled with horns of younger stag. Scale-like tegumental spines were densely distributed on the surface between the head collar and ventral sucker, and their densities were decreased posteriorly. Conclusively, the metacercariae detected in C. chinensis malleata from Lao PDR were identified as those of Echinostoma macrorchis based on the morphological characteristics of adult worms.

The Board Size and Board Composition Impact on Financial Performance: An Evidence from the Pakistani and Chinese's Listed Banking Sector

  • MAJEED, Muhammad Kashif;JUN, Ji Cheng;ZIA-UR-REHMAN, Muhammad;MOHSIN, Muhammad;RAFIQ, Muhammad Zeeshan
    • The Journal of Asian Finance, Economics and Business
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    • 제7권4호
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    • pp.81-95
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    • 2020
  • The main objective of this research is to investigate the impact of board size and board composition on financial performance of banks. The sample of this study consists on two countries listed bank sector Pakistan and China. The annul data is used from 2009-2018 to find the objective of this study. The Panel regression model is used to check the relationship between dependent and independent variables. Return on Asset and Return on Equity is used as performance checker dependent variables. The results of this study confirm board size coefficient value positive for ROA and negative for ROE but shows insignificant behavior for Pakistani banking sector while in Chinese banking sector the coefficient value of board size positively for ROA and ROE at 10% level. The board composition coefficient shows the negatively significant with ROA but insignificantly related to ROE for Pakistani banking sector. However, in Chinese banking sector the coefficient value of board composition is insignificant for both ROA and ROE. This study is helpful for banks, management of banks, policy makers, researcher as well as Government.

Determinants of Stock Prices in Jordanian Banks: An Empirical Study of 2006-2018

  • GHARAIBEH, Omar Khlaif;JARADAT, Mahmoud Ali
    • The Journal of Asian Finance, Economics and Business
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    • 제8권7호
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    • pp.349-356
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    • 2021
  • This study comprehensively investigates whether there is an impact of risk, size, profitability, earnings per share, dividend yield, and book-to-market equity on the stock prices of Jordanian banks listed on the Amman Stock Exchange (ASE) for the period 2006-2018. To mitigate endogeneity concerns and to control for within-bank dynamics, panel data fixed effects estimations are used. This study shows that size (SIZE), profitability (ROA), dividend yield (DY) and book-to-market equity (BE/ME) ratios are statistically significant determinants of stock prices. The risk (RISK) factor measured by volatility of ROA has a positive and significant effect on the stock prices, while earnings per share has minimum influence on the stock prices. The results show that ROA has a significant and positive effect and provides the largest effect among all variables used in this study, while the RISK factor has a positive and significant effect. In contrast, SIZE, DY, and BE/ME have a significant negative effect on stock prices. The paper presented new evidence showing that ROA is a better determinant of stock prices in Jordanian banks, and RISK significantly affects stock prices. The researcher recommends using a factor of profitability represented by ROA which has a significant positive effect on the stock prices in Jordanian banks and applying the ROA variable to other sectors.

A Smoothing Method for Stock Price Prediction with Hidden Markov Models

  • Lee, Soon-Ho;Oh, Chang-Hyuck
    • Journal of the Korean Data and Information Science Society
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    • 제18권4호
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    • pp.945-953
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    • 2007
  • In this paper, we propose a smoothing and thus noise-reducing method of data sequences for stock price prediction with hidden Markov models, HMMs. The suggested method just uses simple moving average. A proper average size is obtained from forecasting experiments with stock prices of bank sector of Korean Exchange. Forecasting method with HMM and moving average smoothing is compared with a conventional method.

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DWMT 방식의 VDSL 시스템을 위한 2차원 LMS 기법의 주파수 영역 등화기 (Frequency Domain Equalizer Using 2-Dimensional LMS Algorithm for DWMT-based VDSL System)

  • 박태윤;이정미;곽훈정;최재호
    • 대한전자공학회:학술대회논문집
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    • 대한전자공학회 1999년도 하계종합학술대회 논문집
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    • pp.49-52
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    • 1999
  • In this paper, we describe the structure of the DWMT (discrete wavelet multitone) transceiver for VDSL system. The DWMT transceiver is basically consisted of the transmultiplexer using cosine modulation filter bank (CMFB), time domain equalizer (TEQ) and frequency domain equalizer (FEQ) minimizing the effects of the transmission channel. For FEQ, we expanded the general LMS algorithm to 2-dimensions: time and subchannel axes and examined the 2-dimensional LMS methods with the various array size.

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은행의 대출 구조와 수익성 변동에 관한 연구 (A Study on the Loan Structure and Profitability of Banks)

  • 강명석;신정훈
    • 벤처혁신연구
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    • 제2권2호
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    • pp.117-126
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    • 2019
  • 본 연구는 최근 5년간(2012년 ~ 2016년) 국내 시중은행, 지방은행 및 특수은행의 재무제표와 대출구조, ROA, ROA 변동성을 사용하여 상관관계분석 및 다중회귀분석을 실시하였으며, 주요 실증분석 결과는 다음과 같다. 첫째, 상관관계분석 결과 은행의 ROA는 가계대출, 중소기업 대출과는 정(+)의 상관관계가 있으나, 대기업대출, 업종편중율, 대손충당금 비율과는 부(-)의 상관관계가 있는 것으로 나타났다. 둘째, ROA 변동성은 가계대출, 중소기업 대출과는 부(-)의 상관관계가 있으나, 대기업 대출, 업종편중율, 대손충당금 비율과는 정(+)의 상관관계가 있는 것으로 나타났다. 셋째, 회귀분석 결과 은행의 ROA 변동성에 통계적으로 유의한 영향을 미치는 변수는 가계대출, 중소기업대출, 대기업대출로 나타났다. 이러한 실증분석결과로부터 이익 변동성이 큰 특수은행들은 정책금융 외의 영역에서는 경영성과 달성을 위해 대출 형태와 업종을 분산 할 필요가 있으며, 특히 상업적인 역할이 큰 수협은행, 농협은행은 단기적인 수익에 집중하여 단위당 규모가 크고, 재무적 정보를 획득하기 쉬운 대기업이나 대규모 대출에 집중하는 것보다는 심사 기법 등의 역량 개발을 통해 가계대출, 중소기업 대출에도 경영역량을 집중해야 할 것으로 보인다.

동해 후포퇴 왕돌초 주변의 정밀해저지형 및 해저면 특성 분석 (Detailed Bathymetry and Seabed Characteristics of Wangdol-cho, Hupo Bank in the East Sea)

  • 김창환;박찬홍
    • 자원환경지질
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    • 제47권5호
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    • pp.533-540
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    • 2014
  • 동해의 주요 어장이고 레저 관광과 동해 해양환경 연구 등에서 매우 중요한 역할을 하고 있는 후포퇴 왕돌초 주변해역에 대한 정밀해저지형을 분석하고, 해저면 영상 자료 및 퇴적물 입도 결과를 이용하여 해저면 특성을 분류하였다. 후포퇴는 동해의 해안선과 평행하게 나타나며 가장 수심이 얕은 지역은 후포항 동쪽에 위치하고 있는 왕돌초 지역이다. 이 왕돌초는 셋잠(북쪽), 중간잠(중간), 맞잠(남쪽)이라는 3개의 봉우리로 구성되어 있다. 세 개의 봉우리 중 가장 수심이 낮은 지역은 중간잠으로 약 6 m의 가장 얕은 수심을 보이고, 북쪽의 셋잠은 약 8 m, 남쪽의 맞잠은 약 9 m의 수심에서 가장 얕은 지역이 나타난다. 왕돌초의 세 봉우리 주변으로는 얕은 해저지형을 보이며 복잡한 지형 기복과 많은 암반들이 산재한다. 그 암반들 사이 및 북동쪽의 평탄면과 급경사면의 서쪽 주변부로는 모래질자갈/자갈질모래 등의 비교적 굵은 조립질 퇴적물이 관측된다. 왕돌초 서쪽으로는 불규칙한 지형보다는 지형 기복이 감소하고 급격한 경사면이 존재하며 후포분지와 연결되는데 이 후포분지 지역은 니질/실트질 모래류의 퇴적물이 나타난다. 왕돌초 주변의 정밀해저지형과 해저면 특성 분석자료는 향후 왕돌초 해역의 해양환경연구 및 생태계의 지속적 이용을 위한 관리에 기여할 것으로 판단된다.