• Title/Summary/Keyword: Credit control

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Factors Affecting Satisfaction of Customers' Savings Deposit in the Context of COVID-19: Evidence from Vietnamese Commercial Banks

  • TRAN, Quoc Thinh;TRAN, Mai Uoc;LE, Xuan Thuy
    • The Journal of Asian Finance, Economics and Business
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    • v.7 no.10
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    • pp.369-376
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    • 2020
  • Credit capital from customers' savings deposit (CSD) of banks has an important meaning in the business activities of the banking industry. There are many factors that influence the CSD satisfaction with banks. Certain changes have been made when there are fluctuations due to COVID-19. The article is based on an analysis assessing the factors that influence the CSD satisfaction of Vietnamese commercial banks in the context of COVID-19. The authors use a sample of 1,639 CSD. The results show that there are three variables that positively affect CSD satisfaction, including legal provisions of the Central bank (Legal), policies and mechanisms of commercial banks (Policy), and products of commercial banks (Product). Accordingly, in order to contribute to strengthening this capital mobilization of savings deposit, the Central bank of Vietnam needs to play a pivotal role in the regulations of the banking system to ensure its stability; control well monetary policy, interest rates, and inflation to keep a stable position in the economy; and provide timely financial support packages to enhance the confidence of CSD. Moreover, Vietnamese commercial banks need flexible policies and mechanisms to stimulate CSD; strengthen support on deposit rates for CSD; and diversify products to easily adapt to each CSD's situation.

The analysis of the pseudo-conceptual or pseudo-analytical behaviors according to the achievement levels - The result of the National Assessment of Educational Achievement in 2005 - (중학생의 성취수준별 의사 개념적.분석적 행동 분석 - 2005년 국가수준 수학 학업성취도 수행평가 결과를 중심으로 -)

  • Kim, Sun-Hee;Won, Yu-Mi
    • The Mathematical Education
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    • v.47 no.1
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    • pp.11-25
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    • 2008
  • The characteristics of the pseudo-conceptual or the pseudo-analytical behaviors according to the achievement level(i.e. advanced group, proficient group, basic group, and below-basic group) in grade 9 are as follows. The pseudo-conceptual or pseudo-analytical behaviors to get credit from teachers become conspicuous in lower achievement level. The high achieving students showed more pseudo-conceptual or pseudo-analytical behaviors without undergoing the process of reflection or control. The proficient group was short of control in computation, and the advanced group didn't control well in representation. The proficient group tended to depend on a past successful algorithm and behave habitually. Therefore, it is needed to teach mathematics according to the characteristic of pseudo-conceptual or pseudo-analytic behaviors shown in each achievement level.

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A Study about Internal Control Deficient Company Forecasting and Characteristics - Based on listed and unlisted companies - (내부통제 취약기업 예측과 특성에 관한 연구 - 상장기업군과 비상장기업군 중심으로 -)

  • Yoo, Kil-Hyun;Kim, Dae-Lyong
    • Journal of Digital Convergence
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    • v.15 no.2
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    • pp.121-133
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    • 2017
  • The propose of study is to examine the characteristics of companies with high possibility to form an internal control weakness using forecasting model. This study use the actual listed/unlisted companies' data from K_financial institution. The first conclusion is that discriminant model is more valid than logit model to predict internal control weak companies. A discriminant model for predicting the vulnerability of internal control has high classification accuracy and has low the Type II error that is incorrectly classifying vulnerable companies to normal companies. The second conclusion is that the characteristic of weak internal control companies have a low credit rating, low asset soundness assessment, high delinquency rates, lower operating cash flow, high debt ratios, and minus operating profit to the net sales ratio. As not only a case of listed companies but unlisted companies which did not occur in previous studies are extended in this study, research results including the forecasting model can be used as a predictive tool of financial institutions predicting companies with high potential internal control weakness to prevent asset losses.

REC Distortion as a Quantitative Control Policy due to REC Depreciation (REC 명목가치 하락으로 인한 양적 통제장치로서의 RPS 왜곡)

  • Yu, Jongmin;Lee, Jaeseok
    • Environmental and Resource Economics Review
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    • v.31 no.1
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    • pp.51-83
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    • 2022
  • Renewable Portfolio Standards (RPS), one of the most commonly adopted regulation for renewable energy expansion since 2012, has the obvious advantage of inducing competition in power generation source and alleviating the government's financial burden. However, the abuse of credit multipliers and the use of national Renewable Energy Credits (RECs) have resulted in the distortion of RPS as a quantitative control policy. Just as no face value 10 years ago can hold its real value, this paper highlights for the first time that 27.8% of total renewable obligations over the total RPS period were not actually met due to REC inflation and the consequent decline in the value of renewable energy generation. In addition, the distortion of face/real value of REC causes problems in interoperability with other government policies such as RE100 and Emission Trading System.

Impacts of Corruption Control on Economic Growth in Relationship with Stock Market and Trade Openness

  • PHAM, Van Thi Hong
    • The Journal of Asian Finance, Economics and Business
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    • v.7 no.12
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    • pp.73-84
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    • 2020
  • The study aims to investigate the dual effects of corruption control on economic growth in relationship with the stock market and trade openness in developing countries. The study used difference S-GMM method on the dynamic panel data model in the period (2002-2017) with data collected from the World Bank. The study discovers the dominant impacts of corruption control in the relationship with the stock market on economic growth. At the same time, the study also confirms the overwhelming impact of corruption control in the relationship between trade openness and economic growth in the developing countries. In addition, the study shows that inefficient stock markets in developing countries will not promote economic growth. Meanwhile, the long-standing credit market has a positive impact on economic growth. With the strong development of stock market and trade openness in the period (2002-2017), control on corruption in developing countries does not get better in time with the increase in demand. The findings of this study suggest a number of solutions to strengthen corruption control, leading to the increased efficiency on the stock market and as well as encouraging the positive effects of trade openness to contribute to promoting economic growth in developing countries.

A Study on the Recognition and Requirement of Dental Hygienists for Academic Credit Bank System (치과위생사들의 학점은행제에 대한 인식 및 요구)

  • Jang, Young-Ho;Choi, Mi-Sook;Kim, Eun-Hee;Yang, Seung-Kyeong
    • Journal of dental hygiene science
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    • v.7 no.4
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    • pp.287-293
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    • 2007
  • As a result of having surveyed and analyzed recognition and requirement of dental hygienists for Academic Credit Bank System, the recognition on Academic Credit Bank System accounted for 70.8%, and in terms of information media recognized, surrounding people were the highest with 52.4%. And, in case of the response as saying of being willing to participate, an opportunity of acquiring a bachelor's degree accounted for 24.0%, and in case of the response as saying of being unwilling to participate, the lack of time that will take part in education activity accounted for 13.7%, thereby having been surveyed to be the most preferential choice, respectively. The importance by sphere in course programs was indicated to be the sphere of preventive dental treatment with 3.61, the sphere of dental management with 3.38, the sphere of oral health education with 3.09, the sphere of medical-treatment coordination with 2.82, and the sphere of community dental health with 2.11 in order. The importance by field of sphere in course programs was indicated to be high in the field of oral health education by subject with 2.30 for the field of sphere in oral health education, in the field of plaque control and oral prophylaxis with 3.53 for the field of sphere in preventive dental treatment, in the field of management of the fluoride mouth-rinsing programme with 2.86 for the field of sphere in community dental health, in the field of counselling with 3.24 for the field of sphere in dental management, and in the field of medical-treatment assistance with 1.53 for the field of sphere in medical-treatment coordination.

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Performance Analysis of Buffer Allocation Schemes for Controlled Transfer Service in ATM Networks (ATM 망에서 CT 서비스를 위한 버퍼 할당 방식의 성능 분석)

  • 김병철;조유제안윤영권율
    • Proceedings of the IEEK Conference
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    • 1998.10a
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    • pp.261-264
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    • 1998
  • Controlled transfer (CT) capability, a new ATM transfer capability (ATC) for high-speed data applications which using credit-based flow control, has recently been proposed and studied in ITU-T. In this paper, we review the existing dyanmic buffer allocation schemes and propose an improved scheme. Also, we compare the performances of the existing buffer allocation methods such as static allocation, flow controlled virtual channels (FCVC), and zero queueing flow control (ZQFC) with the proposed method through simulation. Simulation results show that the proposed scheme exhibits a better performance than the existing schemes in terms of throughput, fairness, queue length and link utilization.

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Parameter Identification of an Electro-Hydraulic Servo System Using a Modified Hybrid Neural-Genetic Algorithm (전기.유압 서보시스템의 수정된 신경망-유전자 알고리즘에 의한 파라미터 식별)

  • 곽동훈;이춘태;정봉호;이진걸
    • Journal of Institute of Control, Robotics and Systems
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    • v.9 no.6
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    • pp.442-447
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    • 2003
  • This paper demonstrates that a modified hybrid neural-genetic multimodel parameter estimation algorithm can be applied to structured system identification of an electro-hydraulic servo system. This algorithm is consists of a recurrent incremental credit assignment(ICRA) neural network and a genetic algorithm. The ICRA neural network evaluates each member of a generation of model and genetic algorithm produces new generation of model. The modified hybrid neural-genetic multimodel parameter estimation algorithm is applied to an electro-hydraulic servo system the task to find the parameter values such as mass, damping coefficient, bulk modulus, spring coefficient and disturbance, which minimizes the total square error.

Implementation of S1n91e-Phase SAMRT Meter using Programmable IC (Programmable IC를 이용한 다기능 전자식 단상 전력량계 기능 구현)

  • Park, Jong-Beom;Yoon, Gi-Gab;Woo, Sang-Mok;Park, In-Kwon;Kim, Hong;Kim, Jung-Soo
    • Proceedings of the KIEE Conference
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    • 2000.11d
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    • pp.644-646
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    • 2000
  • According to the deregulations of governments in the world. the power industries of United State and European nations are proceeding remote meter reading and remote load control. But the core technology of multifunctional electronic meter implemented by programmable one-chip IC, which can be the right answer of all the power industy's efforts is now still under development in the advanced countries. Implementation of smallest size, lowest price single-phase meter with features which enable distribution automation such as bidirectional communication, Remote load control, remote meter reading, remote credit assigment. Prepayment billing system.

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Study on Management Plan of the Financial Supervisory Service According to Increase of Risk of Household Debts (중소형증권사 Project-Financing 우발채무 확대에 따른 금융감독원 관리방안에 관한 연구)

  • Lee, YunHong
    • Korean Journal of Construction Engineering and Management
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    • v.19 no.4
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    • pp.21-33
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    • 2018
  • In 2018, the real estate markets have hardly been transacted according to the government's tight regulations of real estates, and have the high possibility to reach a low hit due to the hike of loan interest rates following the U. S rise of base money rate. The key profits for the large construction companies mainly come from the overseas plant projects and the domestic non-governmental construction projects. They suffered a lot such as the lowering of their credit ratings due to the large losses caused by the frquent design changes and work delay. Even in the domestic non-governmental construction projects, the general business risks are on the rise due to the property marketing moving over to the decreasing phase. The small and medium sized security companies has realized a lot of operaring profits as they participated in the PF market to make up for the losses in the securities trading business. But, now as the housing market is not so good around the nation except Seoul and the financial states of large construction companies are not good enough, they can face the liquidity crisis if there happens the problems in the PF backed securities which they have handled. As Korean economy experienced the crisis in the savings banks before, it is recommended that Financial Supervisory Service proposes the preemptive control method and supervision direction to overcome the crisis.