• Asia pacific journal of information systems
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• 제9권1호
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• pp.39-58
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• 1999

This study examines whether expenditures in information technology (IT) are associated with increases in Tobin's q ratios, a measure of management performance, in the banking industry. The association between IT expenditures and Tobin's q ratios is different, depending upon the banks' size (national vs regional) and strategic orientation (wholesale vs retail), in the Korean commercial banks for the period studied 1990-1996, For national commercial banks which have more clients and electronic banking systems than regional banks, IT expenditures appear to increase Tobin's q ratios. This may indicate that IT is linked to the ability to achieve economies of scale or network effects when large banks use IT as a strategic tool. The association between IT expenditures and management performance measures is also positive and statistically significant for retail-oriented banks. This research makes two important practical contributions with respect to financial reform. First, the evidence suggested that Korean commercial banks need to apply IT strategy in conjunction with restructuring strategy to be a super-bank and, hence, reap substantial competitive advantage from IT applications. Second, since the government recently encouraged commercial banks to increase credit loans as a means of financial reform, most banks tend to focus on retail banking. IT used in the retail banking sector contributes to improve management performance as the evidence suggested.

• 한국지역지리학회지
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• 제14권4호
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• pp.367-381
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• 2008

본 연구는 대구시 상업지역의 공간분포 및 계층구조 변화를 분석한 것이다. 분석기법으로 집중지수, 집중화계수 및 특화계수를 이용하였으며, 1985년$\sim$2003년의 기간을 고찰했다. 도시인구의 성장과 함께 도시적 토지이용이 증가되었다. 인구 성장 118%에 비해 상업입지량 증가율은 330%에 달하였다. 주요 상업적 토지이용은 판매업이 가장 높고 그 다음이 업무, 식품 순이다. 업종별 공간 분포의 분석에서 숙박, 의료, 운수창고 및 위락 등이 집중도가 높으며, 도시 외곽으로 갈수록 특수상업지구를 형성하였다. 판매업의 분산화가 가장 높게 나타나고 있으며, 식품, 업무도 분산 성향이 높았다. 한편 분석기간 동안, 도심부의 상업 집중 성향이 나타나고 있다. 도심핵의 공간적 확장과 함께 도심 주변지역의 상업 집중 또한 증가하는 추세이다. 도시상업의 공간구조는 단핵도시의 성격이 강화되고 있다. 그러나 내부시가지의 결절에 2계층의 중심지들이 생성되면서 다핵화의 과정에 있고, 특히 동대구역 역세권 지역은 부도심으로 성장할 잠재력을 나타내고 있다.

• 산학경영연구
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• 제23권2호
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• pp.31-52
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• 2010

카지노산업의 효과에 대한 관심과 기대감이 근래에 들어 국내에서도 대표적인 뜨거운 감자의 역할을 담당하고 있다. 강원랜드 카지노와 같은 민간인 출입이 가능한 카지노의 태동을 통해, 우리는 카지노에 대한 직간접적인 성격과 기능을 살펴볼 수 있는 충분한 여건을 갖추고 있다. 국제적으로도 여러 미개 발국과 개발도상국들이 카지노산업에 대한 투자와 자본유치에 총력을 기울이고 있다. 남미에서도 다른 대륙과 같이 카지노가 활성화되고 있다. 남미의 카지노도 세계 여러 나라의 카지노처럼, 대규모 리조트 타입의 시설에 식음료를 제공하는 형태며, 충분한 관광객을 수용하고 서비스할 수 있는 규모이다. 카지노 게임의 형태는 국제적 기준과 상이하나, 경우에 따라 남미 특유의 규칙과 독특한 방법의 게임이 산재한다. 일반 카지노에서 포커게임을 볼 수는 있으나, 불법인 경우도 있다. 남미의 특징 중의 하나는 카지노에만 국한 되어있지 않고, 복권, 빙고, 경마 같은 여타 게이밍산업도 상당히 발전되어있다는 것이다. 카지노에 비해 더 큰 비중을 갖고 있으나, 서서히 카지노의 약진이 가시화되고 있다. 비교적 산업화는 느리지만, 독특하고 아름다운 자연환경과 문화적 특수성을 갖고 있는 남미의 카지노산업을 이해하고, 그들만의 카지노산업 모형 분석을 통해, 카지노의 산업적인 관계성과 발전성을 살펴보고, 우리의 미래에 적용해 보는 일은 국제화시대에 매우 의미 있는 생존전략이 될 수 있겠다.

• 대한전기학회:학술대회논문집
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• 대한전기학회 1999년도 추계학술대회 논문집 학회본부 A
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• pp.261-263
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• 1999

This paper presents approaches for optimum rebate level of DSM programs to improve the rebate system and establish the systematic DSM plans. For an effective supply of DSM programs, it is very important to determine the rebate level of DSM programs. Customer's adoption of DSM programs is changed according to the rebate level. The case study shows the approaches and analysis methods to determine the optimum rebate level of the efficient lamp apparatus(electronic ballasts) in commercial sector.

• 한국안전학회지
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• 제35권1호
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• pp.70-78
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• 2020

Nitrox diving was introduced by the NOAA (National Oceanic and Atmospheric Administration) to increase the oxygen content and lower the nitrogen content in respiratory gases. The commercial diving sector specializing in underwater operations has recently introduced regulations on the use of Nitrox. Because the respiratory gas for Nitrox diving has a lower nitrogen content than the normal air, the amount of nitrogen dissolved in the body is small, which not only significantly reduces the decompression time compared to air diving, but also reduces the chance of exposure to decompression sickness. In this study, we applied the VPM (Varying Permeability Model) algorithm to virtual diving with air and Nitrox as a respiratory gas, respectively, to study the optimal Nitrox diving for the safety at the underwater works. The results showed that Nitrox diving had a longer NDL (No-Decompression Limit), a much shorter depression time. In other words, Nitrox diving in underwater works is safer from decompression sickness than commonly used air diving.

• 유통과학연구
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• 제11권9호
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• pp.31-34
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• 2013

Purpose - This paper aims to explain that the Chinese distribution market will continue to bring tremendous business opportunities to commercial enterprises, given the relatively strong economic fundamentals and substantial government-led measures to boost domestic demand. Research design, data, methodology - A survey was conducted on China's retail market data during 2012. By empirically analyzing the data for retail sales of online markets and franchises, we conclude that the online retail market in China will continue to grow. Results - Based on data from 2012, 2013 is expected to be a challenging year for the retail sector, as both external and internal pressure is likely to persist. This paper outlines some major challenges facing retailers in China. Conclusions - The study shows that retailers in the Chinese market will face some major challenges: 1) the Chinese retail market is considerably affected by an uncertain economic outlook 2) an unfair environment of competition exists and 3) product safety is a serious issue. However, in the future, China's retail market will continue to bring tremendous business opportunities to commercial enterprises, given the relatively strong economic fundamentals and substantial government-led measures to boost domestic demand.

• The Journal of Asian Finance, Economics and Business
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• 제7권9호
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• pp.19-30
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• 2020

This paper investigates, in a single equation framework, the effect of bank-specific and macroeconomic determinants on micro-, small- and medium-sized loans by commercial banks in Indonesia. This study uses a sample of 790 observations from 79 commercial banks in Indonesia over the years 2006-2015. This study uses two estimation methods for our panel regressions: static and dynamic generalized method of moments (GMM) panel estimator. In static relationships, the literature usually uses the least square methods on fixed effects (FE) or random effects (RE). I found evidence that all banks, bank profitability and size are positively and significantly related to micro-, small- and medium-sized loans, while the coefficients of liquidity are significantly positive in all specifications, except government banks which is significantly negative. The relationship between risk and credit growth is negative for non-government banks. All estimated equations show that the effect of the capital variable on lending banks to MSMEs is not important in government banks and non-government banks. Finally, macroeconomic variables, such as inflation and gross domestic product, clearly affect the lending of the banking sector particularly non-state banks. The findings have several policy implications to Indonesia government, regulatory authority and bank managers in order to improve bank profitability through bank lending.

• 한국국방경영분석학회지
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• 제34권1호
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• pp.13-30
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• 2008

본 연구에서는 외국의 국방표준화 정보관리 발전동향을 살펴보고 우리나라 현 실태를 분석한 후 민수-국방분야에 공통 적용가능한 규격/표준 공통 분류목록의 제정과 이를 바탕으로 한 표준화 정보기반 통합DB의 구축 및 국방표준화 정보체계의 구축방안을 제시하였다. 규격/표준 공통 분류목록은 국방규격과 한국산업표준의 그룹핑을 통해 표준화 대상식별에 관한 보다 효과적인 방법을 제시하였으며, 표준화 정보기반 통합DB 구축을 통해 규격/표준과 다양한 정보들과의 상호참조 기반을 제공하였고, 표준화 정보체계를 통해 민수-국방분야 전반에 걸친 규격/표준정보 활용의 토대를 제시하였다.

• 펄프종이기술
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• 제45권6호
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• pp.55-63
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• 2013

To offer a basic information for the fibers of commercial leaflets, authors examined and analyzed the distribution, size, and printing types of leaflets sandwiched in the newspaper. The number of different leaflet size were almost 30 in two years including B5 ($182{\times}257mm$), A4 ($210{\times}297mm$), B4, ($257{\times}364mm$), A3 ($297{\times}420mm$), and large flyers such as $545{\times}395mm$, and $790{\times}550mm$. The number of different leaflets size were 25 in 2011, which was reduced to 15 in 2012. Both the number and amount of the leaflets were reduced. The high quality leaflets were issued and distributed in the corporate sector and the leaflets issued in other sectors such as shopkeeping, restaurant business, educational institutions were one-sided leaflets printed on single side of the paper. Compared to the previous year, large stores showed the increased number of leaflets but the number of leaflets from restaurant business and educational institutions and building trade were decreased.

• 유통과학연구
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• 제21권3호
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• pp.71-82
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• 2023

Purpose: This study examines the distribution of income diversification in improving the financial sustainability of private universities amidst difficulties in operational funding during the Covid-19 pandemic with IT Capability moderation. Research design, data and methodology: Closed survey aimed at 468 financial sector leaders from 189 private universities in ten provinces in Indonesia. Results: All income diversification activity variables have a significant positive effect on financial sustainability. In the analysis of liquidity indicators, there are two activities that have a significant positive effect, namely goods and services (β=0.337) and profitable financial management (β=0.124). Furthermore, the results of the solvency indicator test obtained significant positive results in Goods and Services Activities (β=0.337), Commercial Intellectuals (β=0.161), Commercial Contracts (β=0.103), and Profitable Financial Management (β=0.147). The results of the test of higher education growth indicators on three activities have a significant positive effect, namely Goods and Services (β = 0.290), Endowments (β = 0.158), and Commercial Contracts (β = 0.134). The results of the moderation test conclude that IT Capability strengthens the effect of income diversification on financial sustainability. Conclusion: The results of the study as a recommendation for private universities in developing income diversification with information system technology-based management.