• The Journal of Asian Finance, Economics and Business
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• 제10권2호
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• pp.257-265
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• 2023

This paper investigates the determinants of credit accessibility and the effect of credit on the income of farm households borrowing from Vietnam Bank for Agriculture and Rural Development, Giong Rieng District Branch, Kien Giang Province. Based on the primary data of 200 farming households who are the customer of the bank, the study applied the Probit regression model to examine determinant factors of credit accessibility of farm households and employed the Propensity score matching method to investigate the impact of credit on households' income. The findings of the Probit regression shown that three independent variables that significantly influence the access to credit of households are household size, income source, and farm size. Besides that, the Propensity score matching method results showed a difference of 23.799 million VND/year between the income of borrowing households and that of non-borrowing households at the significance level of 1%. The difference in the imcome from the interval and central matching methods are VND 24.700 million VND/year and VND 24.633 million VND/year, respectively. Given empirical findings suggetsted that several recommendations to increase the credit accessibility of farm households, thereby creating favorable conditions for improving their income.

• 유통과학연구
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• 제18권6호
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• pp.47-55
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• 2020

Purpose: The issue of access to credit for private enterprises has been given an increased amount of attention given their crucial role in fueling economic growth. Vietnamese small and medium-sized businesses, however, face many obstacles in accessing financing for profitable investment opportunities, with up to 70% unable to access or obtain bank loans. This paper aims to address the factors affecting the credit accessibility of Vietnamese enterprises, and provide further insights of this issue under the new context of Basel II. Research design, data and methodology: We adopt a pooled sections approach to construct a sample of 155 firm observations before and after the implementation of Basel II accord in Vietnam and employing binary logistic regression and interaction terms for data analysis. Results: We find that firm characteristics (export participation, female ownership) and proxies for bank-borrower relationship (deposit, overdraft facility) have significant and positive effects on firm's access to credit. Notably, the sign of interaction coefficient shows that the implementation of Basel II tends to benefit small-sized firms in terms of credit accessibility. Conclusions: The finding further emphasizes the important role of relationship lending in Vietnam's credit market, which is even more critical for small firms when Basel II is universally applied as the new banking standards in the coming years.

• 디지털융복합연구
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• 제18권4호
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• pp.149-161
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• 2020

본 논문은 신용카드 사용이 고착화되어 있는 한국의 환경이 핀테크 간편결제 수용의도에 영향을 미치는지에 관해 연구하였다. 의무수납제와 같은 신용카드 사용을 장려하는 제도는 신용카드 사용을 고착화시키고 인프라를 구축시켜 새로운 결제수단인 모바일 간편결제 수용에 영향을 미칠 수 있다. 따라서 본 연구는 기술수용모델을 바탕으로 신용카드의 용이성, 유용성에 접근성과 안정성 변수를 확장하여 검증을 시도했다. 신용카드의 고착도를 매개효과로 그리고 신용카드 의무수납제도를 조절효과로 설정하였다. 연구 결과 신용카드 사용의 인지된 용이성, 유용성, 접근성이 간편결제의 이용의도에 긍정적인 영향을 미치고 있는 것으로 나타났다. 또한, 신용카드사용의 유용성과 접근성이 소비자 고착도를 매개로 하여 모바일 간편결제 이용의도에 긍정적인 영향을 미치고 있는 것을 확인하였다.

• The Journal of Asian Finance, Economics and Business
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• 제9권3호
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• pp.303-309
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• 2022

The goal of this research is to examine how credit (loan) can help rural households in Tra Vinh province create jobs in the wake of the COVID-19 outbreak in Vietnam over the last two years. The authors performed a direct survey, using a questionnaire, with 300 customers who had loan records at the Tra Vinh VBSP branch under the loan programs. From January to April 2021, jobs will be available at 07 transaction offices in districts and cities (Cau Ngang; Duyen Hai, Tieu Can, Cang Long, Tra Vinh City, Chau Thanh, Tra Cu). Using the multivariate regression method, the research has found 12 factors affecting the ability to access the employment loan program: Age, Educational Level, Occupation of households, Income, Household land area, Asset, Loan, Interest rates, Loan procedures, Loan purpose, Credit relations. From the above research results, the authors have proposed solutions to improve the ability to access credit to create jobs for each subject group at Viet Nam Bank for Social Policies, Tra Vinh Province in the future.

• The Journal of Asian Finance, Economics and Business
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• 제8권10호
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• pp.129-138
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• 2021

Several studies have revealed that information on borrower characteristics plays an important factor in approving their credit requests. Though the extent to which such characteritics are also applicable to the case of fintech lending remain uncertain. The aim of this study is, thus, to investigate the determinant factors that influence MSEs in obtaining credit through fintech lending. Here, we emphasize virtual trust in fintech lending encompasing the dimension of social network, economic attributes, and risk perception based on several indicators that are used as proxies. Primary data used in the study was gathered from an online survey to the respondents of MSEs in Java. The result of the study indicates that determinants of MSEs in obtaining credit from lender through fintech lending are statistically influenced by internet usage activities, borrowing history, loan utilization, annuity payment system, completeness of credit requirement documents and compatibility of loan size with the business need. These factors have a significant effect on credit approval because they can generate virtual trust of fintech lender to MSEs as potential borrowers. It concludes that the probability of obtaining fintech loans in accordance with their expectations are influenced by the dimensions of social network, economic attributes and risk perception.

• 한국건설관리학회논문집
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• 제21권5호
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• pp.29-37
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• 2020

본 연구는 주거용 부동산의 투자의사 결정에 영향을 미치는 요인에 대해 분석을 위해, 주거용 부동산 관련 전문가들을 대상으로 AHP와 퍼지이론을 활용한 설문분석을 통해 투자자의 관점에 따른 요인의 중요도 차이 및 우선순위를 비교 및 분석하였다. 분석 결과, 전체적으로 임대료, 수익성, 교통 접근성, 상권 및 인프라, 금융규제 등이 중요하며, 전문가그룹별로는 금융·여신 그룹은 수익성. 임대료, 교통 접근성, 공급물량과 세제 혜택을, 건설·개발 그룹은 교통 접근성, 임대료, 직주 접근성, 수익성과 상권 및 인프라를, 감정·평가 그룹은 임대료, 수익성, 교통접근성, 금융규제와 공급물량을 가장 중요한 투자의사결정 요인으로 도출하여 업무와 연관성이 있는 선호특성을 가지고 있다는 것을 알 수 있었다. 즉 부동산 투자특성에 있어 가격특성과 경제특성, 즉 재무적 관점에 가장 중점을 두고 있으며, 부동산특성 내 입지특성으로 교통 접근성과 상권 및 인프라 등 편의성을 중요하게 여고 있으며, 적극적인 부동산 투자확대를 위해서 시장의 금융규제 완화를 중요하게 생각하는 것으로 나타났다. 이러한 항목별 전문가그룹의 다양한 관점을 고려하여 주거용 부동산을 개발하는 사업자의 사업 타당성 분석과 수요자가 되는 일반 투자자들의 합리적인 의사결정에 도움이 되고자 한다.

• 무역상무연구
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• 제70권
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• pp.109-133
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• 2016

As for Korea, China is very important because of an advantageous geological accessibility and high economic dependency. Therefore, the Korean government announced its plan to establish 5billion dollars' investment from Greater China (including Hong Kong and Singapore) and the government has put much effort into accommodating more Chinese investment by diversifying investment channels from Greater China. Under this major Chinese investment boom, it is crucial to conduct in-depth research on accommodation of Chinese investment and create a plan to establish Chinese capital investment that will benefit both the investing country and the countries receiving the investment. Hence, the present study analyzed current trends in Chinese investment for the Korean market, focusing on the stimulation methodology for establishing greater investment from China. To this end, this paper examined various investment characteristics of Chinese investors for the Korean market by researching investment development levels on different time lines and analyzing Chinese investment in Korea for a variety of industries. Through the research, the following study derived a more effective strategy to accommodate greater Chinese capital investment. There has been a worldwide increase in the number of letter of credit cases involving fraud recently. It may happen that the documents which are tendered to the banks under a documentary credit are forged, altered or fraudulent. Banks assume no liability or responsibility for the form, sufficiency, accuracy, genuineness or falsification of any documents.

• 복식
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• 제51권8호
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• pp.171-183
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• 2001

The purpose of this study was to develop service quality dimension of beauty parolrs in seoul area. The subject consisted of 545 adults with ages ranged between 20 and 30 who had evaluated service qualify dimension on one of the three different types of beauty parlors in seoul. The beauty parlors were classify into three types. Type I is franchised one, type II is located in center of city and type III is close to consumer's residence area. The result was as follows : 1. Four dimensions of the service quality of the beauty parlor were physical aspects(tangibles·accessibility·cleanness), employee aspects(empathy·capability), policy aspects of beauty parlor (management·reputation·credit card), the skill of the hair stylist. 2. To predict comsumer satisfaction. service quality dimensions were as follows : In franchised beauty parlor, the employee aspects(empathy), the policy aspect (reputation), the skill of the hair stylist were should be considered. In beauty parlor in downtown area, Physical aspects(accessibility), the employee aspects(capability), the policy aspects(reputation), the skill of the hair stylist were should be considered. And the beauty parlor in residence area, the employee aspects(empathy), the policy aspects(reputation) were should be considered.

• 동아시아경상학회지
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• 제6권3호
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• pp.1-15
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• 2018

Purpose - This study investigates the effect of MNEs' characteristics on the use of foreign currency denominated debt in the context of Korean firms. This study examines the relationship between MNEs and the use of foreign debt focusing on the accessibility to the capital market in addition to the motive of hedging against foreign exchange exposure. Research design and methodology - Probit estimation is employed for estimating significant factors in determination of the use of foreign debt by firms. The dependent variable is a dummy variable to indicate whether a firm uses foreign debt or not at the end of 2004. Independent variables include foreign subsidiaries ratio, export to sale, R&D expenditure to sale, and credit rating. Results - The results show that the interaction between the level of internationalization represented by intra-regional diversification and the strategic characteristics embedded in the region of entry affects the use of foreign debt. In case of a high level of diversification within the developing region with a strong pursuit of asset exploitation, MNEs are more likely to use foreign debt, whereas a high level of diversification within the developed region with a strong pursuit of asset seeking, MNEs are less likely to use foreign debt. Conclusions - The differences between MNEs in terms of intra-regional diversification, strategic orientation, and the accessibility to capital markets as well as the hedging motive affect the use of foreign debt.

• 한국지역지리학회지
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• 제10권4호
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• pp.787-799
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• 2004

본 연구는 대도시 산업 지역사회 존립기반 연구의 일환으로 대구시 북성로 공구상가를 사례로 기업간 거래 네트워크의 실태를 분석하였다. 이 지역은 영세소규모의 공구 판매업체 집적지로 이들 업체가 거래 관계를 맺고 있는 주요 업체들을 주로 북성로 및 인접지역에 분포하는 전형적인 도심형 산업지역사회를 구성하고 있다. 북성로 총구상가가 산업지역사회로서 존립할 수 있었던 가장 중요한 기반은 상가내 제품 수급상의 장기적인 거래 네트워크였다. 지역 업체들은 거래 관계에 있어 순수한 시장 메커니즘에 의존하기 보다는 사회자본에 기초한 기업간 네트워크 관계에 더 의존하고 있었다. 기업간 거래 네트워크를 맺게 되는 이유는 무리한 주문의 경우에도 거래가 가능하였다는 점과 외상거래가 가능한 점이였다. 이러한 기업간 거래 네트워크의 기능 및 역할에 있어서는 업체 상호간에 기술이전과 학습이 가장 중요하며, 장기간의 거래 네트워크를 유지함에 있어서는 공간적 접근성보다는 관계적 접근성이 오히려 중요한 의미를 가진다.