• Title/Summary/Keyword: Collateral

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Investigation of Chronomedicine and Health Preserving in Huang Di Nei Jing(黄帝内经 ) (《황제내경(黄帝内经)》 유관시간이론급시간양생적고찰(有关时间理论及时间养生的考察))

  • Ju, Bao-Zhao;Kim, Hyo-Chul
    • Journal of Korean Medical classics
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    • v.28 no.2
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    • pp.61-66
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    • 2015
  • Objectives : Through the analyze of formative factor of time sense and the vital movement temporal rhythm in Huang Di Nei Jing(黃帝內經). Methods : We find out the principle and methods of Chronomedicine and Health Preserving in Huang Di Nei Jing(黃帝內經), and this finding will direct the life nurturing for later generations. We find that time sense had been established in Huang Di Nei Jing(黃帝內經), which had yin-yang and five elements characteristic. Results : There have temporal rhythm of functions of zang-fu viscera, meridian and collateral, qi and blood. Based on the theory of correspondence between human body and natural environment, established principle of health maintenance about based on yin and yang, temporal rhythm of visceral qi. Conclusions : Established health maintenance methods based on time such as adjusting-spirit according to time, regular daily life, dietary regimen according to time, needling and moxibustion according to time. These methods will guide syndrome differentiation and therapeutic method and Medication which based on suitable time.

Obstacles to Accessing Finance by Small Business Operators in the Buffalo City Metropolitan Municipality

  • Chimucheka, Tendai
    • Asian Journal of Business Environment
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    • v.3 no.2
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    • pp.23-29
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    • 2013
  • Purpose - The study investigates the obstacles faced by small business owners (SBOs) in accessing finance in the Buffalo City Metropolitan Municipality. The study aims to identify the causes of inaccessibility to finance for SBOs, investigate the role of government agencies in supporting SBOs, assess the extent to which banks support SMMEs, and suggest solutions to ease the challenge of inaccessibility of finance. Research design, data, methodology -We used a triangulation research design, wherein SMME owners and managers in the Buffalo City Metropolitan Municipality were the target population. We used simple random sampling techniques to select respondents, and conducted in-depth interviews to collect qualitative data. Results - We analyzed quantitative data using descriptive statistics, Chi-square tests, and factor analysis. The qualitative data was analyzed using content analysis. The study identifies and discusses the obstacles in accessing finance; the main among which are the lack of collateral security, poor business plans, lack of knowledge, and lack of financial deposit. Conclusions -We urge the banks, government, and government agencies to support the SMME sector, for it remains the economic engine of many African countries and helps in reducing the impact of socio-economic challenges, like unemployment and poverty.

Developing Traditional Handcraft Villages: The Determinants of Lending Decision from Binh Duong Province's Banks in Vietnam

  • LE, Man Thi;LE, Dong Nguyen Thanh
    • The Journal of Asian Finance, Economics and Business
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    • v.7 no.2
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    • pp.151-156
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    • 2020
  • Small and medium enterprises (SMEs) play a very important role in developing countries. In Vietnam, SMEs operating in the field of handicrafts, besides contributing to the economy, also tasked to maintain and develop traditional handicrafts. However, accessing loans from banks of SMEs faces many difficulties. This study explores the determinants of bank lending decision for SMEs, particular, in traditional handicrafts business. Using dataset based on a survey conducted in Binh Duong province, Vietnam, we investigated to what determinant effects for loan approval. The analytical methods used include descriptive statistics for overall assessment, principal component analysis and regression to examine determinants of lending decisions. The results indicate that company's collateral was the most positive determinant to bank lending decision, follow by company's business plan. The role of company's leader is very important for banks considers to approve credit because company's leaders experience and relationship with stakeholders as well as banks have positive relations with bank's lending decision. Agreed with previous studies, the company's financial statement and company's credit history with banks are also significant determinants for lending decision. Whereas, the business environment seam unaffected lending decision as their relations is not significant..

Corporate Social Responsibility and Unsecured Debt: Evidence from China

  • CHEN, Xia;MA, Zhe;SHI, Jiayu;TU, Bingyan;XU, Songtao
    • The Journal of Asian Finance, Economics and Business
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    • v.7 no.11
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    • pp.1-11
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    • 2020
  • This study aims to investigate whether Corporate Social Responsibility (CSR) performance can help companies gain more bank unsecured loans. Additionally, this study analyzes the moderating effect of firm size and industry characteristics. Data was collected through the case of companies listed on the Shanghai Stock Exchange or the Shenzhen Stock Exchange in China between 2009 and 2018 with 5373 firm-year observations. The results of multivariable regression analysis show that good CSR performance exhibits a strong positive impact on unsecured debt, including short-term, long-term, and total unsecured debt, which indicates that corporate with good CSR performance can borrow more unsecured debt. further research shows that this effect is more pronounced for small enterprises and firms operating in heavy-polluting industries. Additionally, research on the impact mechanism finds that good CSR performance can help mitigate information asymmetry between borrower and lender, reduce moral hazard of borrower, and obtain support from key stakeholders, and therefore reduces the risk of default. The findings of this study suggest that firms with good CSR performance exhibit a preference for unsecured debt, but decline to provide collateral for debt. Overall, we emphasize and illustrate the important role of corporate CSR in bank credit financing.

A Study on the Meaning, Effects, and Procedure of Recognizing Arbitral Awards (중재판정 승인의 개념, 효력 및 절차에 관한 연구)

  • Lee, Ho-Won
    • Journal of Arbitration Studies
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    • v.23 no.1
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    • pp.1-23
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    • 2013
  • When a court recognizes an arbitral award, it acknowledges that the award is valid and binding, and thereby gives it a set of effects similar to those of a court's judgment, among which res judicata is the most important. The res judicata effect of an arbitral award generally forbids parties to an action from subsequently litigating claims that were raised in a prior arbitration. In common law countries, res judicata may also preclude re-adjudication of issues raised and decided in a prior arbitration. The Korean Arbitration Act acknowledges the rights of parties to an arbitral award to seek not only an enforcement judgment but also a recognition judgment on an arbitral award. Therefore, the question arises whether or not the winning party in an arbitration must acquire a recognition judgment on the arbitral award in order to enjoy the effects of a recognized award. However, according to the case law and generally accepted views, an arbitral award is automatically recognized without any additional procedure, as long as it satisfies the requirements for recognition. Therefore, in order to resolve this question, it is desirable to eliminate the statutory clause that stipulates the right to seek recognition judgment.

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A Study on Insensitive Munition Test and Evaluation for Solid Rocket Motor (고체추진기관 둔감시험 평가 기법에 관한 연구)

  • Lee, Do-Hyung;Kim, Chang-Kee;Lee, Hwan-Gyu;Yoo, Ji-Chang
    • Proceedings of the Korean Society of Propulsion Engineers Conference
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    • 2010.05a
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    • pp.129-132
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    • 2010
  • The objective of IM rocket motor is to minimize the probability of inadvertent initiation and severity of subsequent collateral damage, hence it is important to define personnel and equipment survivability to a rocket motor accident. The violent response probability associated with shock, impact and thermal effects be minimized. And during production, transportation/storage and stack of rocket motor, sympathetic detonation, giving severe effects of the propagation of adverse reaction on its surroundings, be reduced. Hence Reaction type also based on reaction results of the overpressure, fragment throw and heat flux.

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Survival analysis of bank loan repayment rate for customers of Hawassa commercial bank of Ethiopaia

  • Kitabo, Cheru Atsmegiorgis;Kim, Jong Tae
    • Journal of the Korean Data and Information Science Society
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    • v.25 no.6
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    • pp.1591-1598
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    • 2014
  • The reviews of the balance sheet of commercial banks showed that loan item constitutes the largest portion of bank's assets. Although the sector has highest rate of profit, it possesses the greatest risk. Identifying factors that can contribute in lifting-up the loan repayment rate of customers of Hawassa district commercial bank is the major goal of this study. A sample of 183 customers who took loan from October, 2005 to April, 2012 was taken from the bank record. Kaplan-Meier estimation method and univariate Cox proportional hazard model were applied to identify factors affecting bank loan repayment rate. The result from Kaplan-Meier survival estimation revealed that the loan repayment rate is significantly related with loan type, and previous loan experience, educational level and mode of repayment. The log-rank test indicates that the survival probability of loan customers is not statistically different in repaying the loan among groups classified by sex. Moreover, the univariate Cox proportional hazard model result portrayed that educational level, having previous loan experience, mode of repayment, collateral type and purpose of loan are significantly related with loan repayment rate of customers commercial bank. Hence, banks should design loan strategies giving special emphasis on the significant factors while they are giving loans to their customers.

Aortoenteric Fistula - A Report of a Case - (대동맥장루 -1예 보고-)

  • 김성수
    • Journal of Chest Surgery
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    • v.22 no.5
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    • pp.823-828
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    • 1989
  • Aortoenteric fistula is an uncommon important complication of aortic reconstruction with a prosthetic graft. The complication often is difficult to diagnose and is associated with poor prognosis. Aortoenteric fistula could be divided into true aortoenteric fistula and paraprosthetic-enteric fistula. In case of true aortoenteric fistula, an actual communication between the gastrointestinal tract and the aortic lumen is present. So, massive gastrointestinal hemorrhage is the presenting manifestation. In paraprosthetic-enteric fistula, characterized by communication between the gastrointestinal tract and the external surface of synthetic vascular prosthesis without actual fistularization into the vascular lumen, the predominant clinical manifestation were sepsis, fever and anemia. We experienced one case of paraprosthetic-enteric fistula in a 16 years old male after abdominal aortic reconstruction with a prosthetic graft. The interval from the operation to onset of symptoms was 40 months. The initial clinical manifestation was sepsis, fever and anemia without massive gastrointestinal hemorrhage. Surgical treatment consists of complete excision of infected graft, two layers closure of jejunal wall defect and pledgets suture of aortic stump with surrounding health tissue. Anatomic revascularization was not able to be done: because of extensive retroperitoneal inflammation and extraanatomic revascularization did not performed due to adequate distal blood supply through rich collateral circulation. After operation, he complained numbness on left foot on moderate exertion and felt coldness on left leg compared with right leg but not showed skin color change. 43 days after operation, he discharged without gait disturbance except numbness on left foot on moderate exertion.

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The Clamshell Incision for the Complete Repair in Pulmonary Atresia with Ventricular Septal Defect, and Major Aortopulmonary Collaterals (주대동맥폐동맥간 부행혈관이 동반된 폐동맥 형성부전 환아에서의 Clamshell 절개를 통한 완전교정술 -1례 보고-)

  • 차대원;박표원;전태국;강이석;이흥재
    • Journal of Chest Surgery
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    • v.32 no.9
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    • pp.823-826
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    • 1999
  • A 6-month old girl who had pulmonary atresia with ventricular septal defect and major aortopulmonary collaterals underwent one-stage complete repair with unifocalization through a bilateral thoracosternotomy(clamshell incision). There were no serious postoperative compli cations, and the postoperative echocardio-graphy showed no residual ventricular septal defect or significant pulmonary artery stenosis. In this condition, great surgical variability exists regarding the sources of pulmonary blood flow. Recent clinical work has focused on a one-stage complete repair. The potential advantages of the clamshell incision are apparent in terms of mediastinal approach, postoperative results, and safety.

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A study of dietetic on the gastric & duodenal ulcer (위.십이지장궤양의 식요방법(食療方法)에 관한 연구)

  • Baek Tae-Hyeun
    • The Journal of Internal Korean Medicine
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    • v.24 no.2
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    • pp.233-248
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    • 2003
  • Objectives : This research examined about dietary therapy on the gastric & duodenal ulcer based on the literary findings, for clinical treatment and prevention of the gastric & duodenal ulcer. Methods : This Research examined on histories, compositions, applications, and effects of dietetic on about 200 cases of dietary therapy of the gastric & duodenal ulcer from recent Chinese literatures Results : 1. Various vegetables, animals and mineral materials including herbs, grains, vegetables, fruits, food and drink were used for the dietary therapy. 2. Methods of the preparation for use as therapeutics were decoction, pulvis, gruel, medicinal wine, cake, tea, paste and gelatin and etc. 3. Frequently used materials were cuttle fish bone, Bletillae rhizoma, oyster shell, egg shell, sugar, aloe, licorice, lily, red jujube, and pig stomach. 4. Four properties of cold, warm, cool and hot were equal in frequencies. Most common tastes were sweet and bitter. Conclusion : Though dietary therapy for the gastric & duodenal ulcer is not based on clinical or experimental data, but through experience. It is mostly based on Yin-Yang and five elements, visceral manifestation, channels and their collateral channels and chinese herbal medicine theories. If we use them properly according to oriental medicine method, it will be effective on treating and preventing the gastric & duodenal ulcer.

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