• 국제지역연구
• /
• 제12권2호
• /
• pp.79-97
• /
• 2008

본 연구는 자료포락분석(DEA)기법을 이용하여 1999년부터 2003년까지 중국의 4대 국유상업은행과 11개의 주식제상업은행의 효율성을 측정하고, 이를 바탕으로 Tobit모형을 이용하여 은행효율성의 결정요인에 대해 실증분석을 실시하였다. 또한 WTO가입 전후 은행효율성의 결정요인에 변화가 있었는지를 살펴보았다. 분석결과, 전체적으로 자기자본비율, 소유권구조, 정보보조금이 5% 유의수준에서, 총자산이익률은 10%에서 유의적인 것으로 나타났으며, WTO가입 전후 나누어 분석한 결과, WTO가입 전에는 규모, 자기자본비율, 총자산이익률, 소유권구조 등 4개의 요인이 유의적인 것으로 나타난 반면, WTO가입 후에는 자기자본비율만이 유의적인 것으로 나타났다.

• The Journal of Asian Finance, Economics and Business
• /
• 제7권11호
• /
• pp.779-788
• /
• 2020

Commercial banks play an important role as the main source of funding in the transition process of Vietnam as a market economy. As a result, enhancing the efficiency and productivity of Vietnamese banks can decrease the lending cost for individuals and enterprises. This study is to measure and analyze the productivity change of Vietnamese banking system in different ownership cohorts and sources of this change during the period of restructuring (2011-2019). The Hicks-Moorsteen total factor productivity index is utilised to measure the productivity change and to identify the sources of this change. For an empirical analysis, the data of 28 Vietnamese commercial banks from 2011 to 2018 is collected from their financial statements including balance sheets and income statements. The results show an increase of Vietnamese bank productivity due to the technological progress. While foreign and joint-venture banks are the most advanced cohort, state-owned banks have the lowest rate of productivity growth. The restructuring program negatively impacts scale efficiency and this measure attributes to a decline in the overall efficiency of the banks. We also found that state-owned commercial banks are the most efficient group in the sense that they can achieve the maximal level of revenue from a given amount of expense.

• The Journal of Asian Finance, Economics and Business
• /
• 제9권3호
• /
• pp.347-354
• /
• 2022

This article examines the influence of Basel III reforms, risk management, and banking sector efficiency on banks' financial stability in emerging countries. The data for this study is collected from various sources. Based on the GDP classification of IMF, the top 22 countries were selected as the sample. The sampling frame includes all six regions of the world including 482 banks and 3022 observations in total. The empirical analysis is carried out by estimating the random effects models. It is found that the effects of capital buffer, liquidity, and risk management practices are significant on financial stability. It is also noticed that the capital buffer has a constructive and significant influence on financial stability. However, liquidity management shows a mixed impact, as in some countries, its impact is positive and significant while, in other countries, it is insignificant. Risk management practices have an overall positive influence on financial stability in the case of large economies. However, results are insignificant in the case of small economies. Bank-specific variables, namely profitability, size, and efficiency have a positive whereas, loan quality has a negative impact on financial stability in the emerging countries. GDP has a positive impact on financial stability whereas inflation and unemployment both have a negative effect on financial stability.

• KDI Journal of Economic Policy
• /
• 제14권1호
• /
• pp.89-119
• /
• 1992

본고(本稿)는 최근 논란이 되고 있는 금융기관(金融機關)들의 꺾기관행의 의의와 꺾기의 통화량효과(通貨量效果)를 분석함으로써 예대상계(預貸相計)를 통한 정부(政府)의 꺾기규제정책의 효과를 규명해 보고자 하는 데 그 목적이 있다. 꺾기란 여신(與信)(대출(貸出))에 대응해서 일정한 금액의 수신(受信)(예금(預金))을 요구하는 금융관행을 통칭하는데, 기존 문헌에 의하면 이윤극대화(利潤極大化)를 추구하는 금융기관이 정보(情報)의 비대칭성이나 예금(預金) 및 대출금리규제(貸出金利規制)와 같은 금융규제(金融規制) 등에 따른 금융시장의 불완전성을 극복하기 위해 도입하는 관행으로서 궁극적으로는 금융자원배분(金融資源配分)의 왜곡을 시정하는 데 기여하게 된다. 한편 꺾기의 통화량효과(通貨量效果)는 꺾기가 일국(一國)의 통화승수(通貨乘數)에 미치는 효과에 의존하게 되는데, 꺾기의 통화승수효과(通貨乘數效果)는 총대출 중 예금으로 회귀하는 적정예금회귀율(滴定預金回歸率)과 은행(銀行)들의 적정예금지급준비율(滴定預金支給準備率)에 미치는 꺾기의 효과에 의존하게 된다. 이론적으로 이들 효과의 방향은 불분명한데 실증분석결과에 의하면 우리나라의 경우 꺾기의 통화량효과(通貨量效果)는 유의성(有意性)이 없는 것으로 나타나고 있다. 따라서 이에 의하면 꺾기가 인위적으로 통화량(通貨量)을 증가시킬 것이라는 통념은 지지되지 않고 있을 뿐만 아니라, 예대상계정책(預貸相計政策)을 통해 통화량(通貨量)을 감소시킴으로써 여유대출자금(餘裕貸出資金)을 창출할 수 있을 것이라는 기대가 실현되기도 어렵다 할 것이다. 이에 따라 앞으로 예대상계(預貸相計)를 통화량관리(通貨量管理)의 방편으로 이용하고자 하거나 이를 통해 대출여유자금(貸出餘裕資金)을 창출하고자 하는 정책의 추진은 대단히 신중을 기하는 것이 바람직하다 할 것이다.

• 아태비즈니스연구
• /
• 제13권4호
• /
• pp.91-107
• /
• 2022

Purpose - This study quantitatively examines the level of financial inclusion of a microfinance institution in each region and how this is changing recently, and examines the level of financial inclusion by region and various financial characteristic factors related to it. It was empirically verified what kind of significant impact actually has on the institution's major management performance indicators (stability, profitability, efficiency, and public interest). Design/methodology/approach - It was confirmed that the institution's financial inclusion index declined rapidly after 2015 as a whole, although there were some differences by region depending on regional characteristics. However, considering the fact that the number of branches per 100,000 adult population is steadily increasing nationwide, it was found that, contrary to what is known, the simple decrease in the number of branches of the institution was not the main cause. Findings - The analysis results of this study show that the institution's efforts for financial inclusion have a positive impact on profitability, stability, efficiency, and public interest, and that the institution pursues profitability, efficiency, stability, and public interest. showed that some trade-offs exist. In other words, overall, it was analyzed that profitability of the institution has a positive effect on efficiency, and efficiency has a positive effect on stability and public interest. Research implications or Originality - Since the institution's efforts to improve its profitability do not have a negative impact on its stability and public interest, it is judged that it is important to take a strategic stance, so excessive loan supply that exceeds the scope of the institution's own control needs to be avoided as much as possible. More detailed financial supply strategies and business management capabilities that enhance the asset soundness and management efficiency of safes need to be demonstrated.

• 한국콘텐츠학회논문지
• /
• 제20권5호
• /
• pp.11-22
• /
• 2020

학점은행제는 평생학습사회를 구현하기 위한 교육 시스템이다. 이 시스템의 조건을 충족한 학습자는 전문대, 4년제 대학교의 학위와 동등한 학사 학위를 취득할 수 있다. 이 학습자의 학점과 학위 정보는 중앙 기관에 기록되어 관리되고 있다. 그러나 이러한 시스템은 중앙관리로 인해 해킹 등과 같은 보안 문제가 발생할 수 있다. 본 논문에서는 블록체인 기술을 기반으로 학점과 학위 정보를 관리할 수 있는 학점은행제 시스템을 제안한다. 제안된 시스템은 학점과 학위 정보는 블록에 저장되고 영구적인 방식으로 공개 원장에 기록된다. 블록들은 해킹과 조작 등의 보안 문제를 개선하기 위해 분산 네트워크 환경에서 블록체인 형식으로 연결되어진다. 또한 중앙 기관의 기능들이 네트워크 참여자들에게 분산되기 때문에 학점 은행 관리의 효율성이 증대될 수 있다. 제안된 시스템의 프로토타입은 Go-Ethereum 플랫폼에서 구현되었으며 스마트 컨트랙트를 사용하여 참여기관 간의 블록체인 정보를 실험적으로 검증하였다.

• 국제지역연구
• /
• 제21권2호
• /
• pp.171-196
• /
• 2017

본 연구에서는 베트남 일반은행들의 경쟁력제고를 의사결정의 목적으로 삼고 AHP 계층분석기법을 적용하여 이 문제의 해결을 돕기 위한 모형을 제시하고 있다. 은행 분야 전문가들을 대상으로 항목간 쌍방비교방식으로 이루어진 설문지를 배포하고 회수된 의사결정요소들의 상대적 가중치를 분석한 결과 다음의 세 가지의 주요 결과를 도출하였다. 첫째, 은행의 안전성이 베트남 일반은행들의 경쟁력확보에 있어 가장 중요한 평가기준이며 운용의 효율성, 무형가치의 보유정도 및 영업규모가 그 뒤를 뒤따른다. 둘째, 베트남 일반은행들의 경쟁력제고를 위한 대안으로 건전한 재무상태의 확보가 가장 우선시되어야 한다. 효과적인 경영관리시스템, 전략적 인적자원계획 및 고품질의 제품과 서비스 또한 높은 상대적 가중치를 보인다. 셋째, 건전한 재정확보를 위해서 악성부채 해결이 절대 필요한 것으로 나타났다. 또한, 효과적인 경영관리시스템을 구축하고 고품질의 제품과 서비스를 제공하기 위해서는 신기술의 도입이 매우 중요하다. 아울러 전략적 인적자원계획의 달성을 위해서는 임직원의 자질향상이 절대적으로 필요하다.

• 경영과학
• /
• 제28권1호
• /
• pp.107-116
• /
• 2011

The automated teller machine (ATM) is developed as a system to provide customers with an easy deposit and withdrawal of their money without time restriction and be served for 24 hours. Today, ATM is come up to the level of an unmanned branch. The automatic financing system is developed as an essential one for dealing with the rationalization of management and the globalization of financing in order to improve the efficiency of financial management work and increase the customer service quality. With reducing the operational cost of financial organizations through the efficient maintenance operation of ATM and increasing the service quality through the maximization of its processing efficiency, this study is to draw the scheme to ensure the competitiveness among the finance companies. The importance of ATM is highly recognized as the utilization of ATM is increased and the processing function is extended, but ATM is quite vulnerable to the malfunction occurred during the nighttime after banking hours. The ATM maintenance is done through consignment to the specialized maintenance company. The efficient operation of ATM maintenance work is important to the satisfaction of customer using ATM in the nighttime.

• 한국정보시스템학회지:정보시스템연구
• /
• 제12권1호
• /
• pp.67-85
• /
• 2003

In the recent a mobile internet makes a change in internet business. The mobile internet service is resulting in M-commerce. Even if M-commerce provides only information service, there will be much possibilities to make applications in various areas such as, delivery service, trading service, banking service etc. in the near future. Delivery service requires many steps in processing, originally. This study is designed to implement a mobile system which makes short in delivery process. It includes that a delivery man receives a signature on a paper and input data at the delivered place by using PDA at hand. The mobile system will be contributed to shorten delivery speed. It is proposed to implement the mobile office system for improving service efficiency in the business of delivery service. This study is designed to implement a mobile system which make short in delivery process. It includes that a delivery man receives a signature on a paper and input data at the delivered place by using PDA at hand. The mobile system will be contributed to shorten delivery speed. It is proposed to implement the mobile office system for improving service efficiency in the business of delivery service.

• International Journal of Knowledge Content Development & Technology
• /
• 제11권4호
• /
• pp.87-99
• /
• 2021

The study examines the relationship between co-operative society governance and members' satisfaction. Co-operative societies face problems of how to keep balance between efficiency and governance because those in charge of operations of co-operative; the board and the staff must meet two demands i.e. good business practice and the social responsibility which involves the satisfaction of members. The objective of this study is to examine the relationship between co-operative governance and members' satisfaction using Ambrose Alli University Workers/Farmers Multi -Purpose the Co-operative Society as a case study. The data collected in this study were obtained through structured questionnaire. Data analyzed were subjected to descriptive statistics and graphs. The data analyzed indicated that the challenges facing the co-operative society include theft /fraud and mismanagement. Members agitated for transformation of the co-operative society to operate in line with the guidelines of the Central Bank of Nigeria. It was recommended that for efficiency and high productivity, staff should be trained. Also there is need for innovative technology and the necessity for the cooperative society in question to network with other organizations.