• 산경연구논집
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• 제9권9호
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• pp.15-23
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• 2018

Purpose - The purpose of this paper is to examine the determinants of non-bank depository institutions (non-bank financial corporations) lending to firms. The paper aims to contribute to the existing literature by providing empirical evidence from firm-level data and unveiling factors related to access to non-bank financial corporations by firms. Research design, data, and methodology - We used the data on borrowing by firms from CRETOP from years 2008 to 2011. Using the manufacturing industry, we examined what firm-level characteristics explained the increase in borrowing from non-bank financial corporations rather than the banks. Results - Analyzing the firm-level data from 2008 to 2011, we found that firms were more likely to borrow from non-bank financial insti­tutions as the size of the firm increases, implying that large firms have more access to non-bank financing than small and medium-sized firms. In addition, it also showed that small and medium-sized firms moved to non-bank financial corporations for loans. Conclusion - Non-bank depository institutions are not a sub­stitute for bank lending to firms. More specifically, they replace bank lending to firms mostly for large firms rather than small and medium-sized firms. Also, collateral and other firm-level characteristics do not matter in accounting for non-bank lending to firms.

• The Journal of Asian Finance, Economics and Business
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• 제8권1호
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• pp.841-850
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• 2021

This study aims to evaluate the relationship between bank capital, efficiency, and risk in Islamic banks. We use data from 129 Islamic banks in the world, retrieved from various data sources. We retrieved specific banking data from Moody's Analytics BankFocus and Thomson Reuters Eikon, while data at the country level was obtained from the World Bank website. This study uses various estimates both Pooled OLS (Ordinary Least Square) and Random Effect (RE). However, to overcome the issue of serial correlation which could cause bias in the results of the study, we used fixed-effect (FE) cluster estimates. The research results confirm the previous findings that bank capital positively affects bank stability (natural logarithm of Z-Score) and negatively affects credit risk (loan loss provision to total liabilities). The findings also show that efficiency has the same effect. The interaction test of bank capital and efficiency shows that efficiency encourages banks to reduce risk, including when bank capital is relatively lower. This finding is expected to have implications for the authorities to boost bank efficiency in addition to establishing several regulations related to capital. The efficiency implemented by the bank will encourage banks to act prudently so that the bank can maintain its performance through risk mitigation.

• The Journal of Asian Finance, Economics and Business
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• 제8권5호
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• pp.649-656
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• 2021

This paper aims to examine the moderating role of bank competition on the effect of liquidity creation on bank capital. We measure bank competition using the Lerner index approach, liquidity creation using the Catfat approach, and bank capital using the capital to total asset ratio approach. This test also considers control variables from bank-specific factors such as Return on Assets, Loan to Deposit Ratio, and Non-Performance Loans as well as macroeconomic factors such as Gross Domestic Product, inflation, and Bank Indonesia interest rates. The sampling technique used was purposive sampling. The data sample obtained was 96 banks from a population of 114 banks in Indonesia which consistently operated during the period 2008-2018. Hypothesis testing uses panel data regression analysis techniques through the first model of the Hayes method. The results show that the negative effect of liquidity creation on bank capital depends on competition. We found that bank competition at any level (low, medium, high) negatively moderates (weakens) the effect of liquidity creation on bank capital in all banks. This finding is consistent with the view that banks may strengthen their capital in response to bank competition which may decrease the level of bank liquidity creation.

• 산경연구논집
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• 제9권5호
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• pp.37-46
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• 2018

Purpose - This paper explores the determinants of bank lending to firms during and after the global financial crisis using firm- and bank-level data to answer the questions what caused the contraction of lending to firms despite the loosening monetary policy during this crisis period. Research design, data, and methodology - We investigate the effects of the monetary policy that followed the global financial crisis on firms borrowing. We use a dynamic panel model to address how firms lending respond to monetary policy. The data are obtained from CRETOP and we consider the manufacturing sector for the analysis to control for unobserved heterogeneity such as industry-specific shocks. Results - The findings from the empirical analysis suggest that both bank- and firm-level characteristics are significant determinants of bank lending. Especially, we find that corporate risk, measured by default risk, is one of the key factors that led to a decline in lending during the crisis. Conclusions - This paper shows that companies borrow more from liquid banks, and high bank capital can also contribute to an increase in a firm's borrowing from banks. Especially, the results confirm that the default rate measured at the firm level has increased during and after the global financial crisis, which implies that default risk interplays with other firm and bank-level characteristics.

• 한국문헌정보학회지
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• 제57권4호
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• pp.289-310
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• 2023

데이터 공유 및 재사용은 필수가 되었다. 데이터 리포지터리는 이러한 데이터 공유 및 재사용을 위한 핵심 도구이다. 본 연구의 목적은 국립생태원이 구축 및 운영 중인 EcoBank의 서비스를 제안하기 위함이다. 연구 목적을 달성하기 위하여 re3data.org에 등록된 생태 분야 해외 데이터 리포지터리 123개 중 10개를 선정하여 조사 및 분석하였다. 분석 결과 3가지 서비스가 공통으로 도출되었다. 3가지 서비스는 첫째, 연구데이터 정책, 둘째, 연구데이터 품질 검토 그리고 연구데이터 관리 교육 및 워크숍으로 구성된다. 여기에 EcoBank의 글로벌한 데이터 공유를 위해서는 re3data.org와 같은 데이터 리포지터리 레지스트리에 등록을 해야 하며 리포지터리의 신뢰성 및 품질 확보를 위한 인증을 추진할 것을 제안해 본다.

• 유통과학연구
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• 제18권5호
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• pp.5-13
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• 2020

Purpose: The aim of this article is to test the link between growth of loan distribution and Bank Valuation in Vietnam's banking sector. At the same time, the study also compared the differences in the effect of growth of loan to valuation bank in banks of different sizes, ownership rates and bank values. Research design, data and methodology: With panel data estimation techniques along with robust standard error for a sample of the banks listed on Vietnam stock exchange from 2012 to 2019. Results: Growth of loan has a positive impact on Bank Valuation (by Tobin's Q). A closer investigation provides evidence for the differential valuation effect of loan growth depending on different features of banks. Specifically, loan growth is found positively and significantly associated with Bank Valuation in small and non-state-owned banks only. Besides, bank size, deposit, and return on equity are found negatively associated with Tobin's Q, while loan loss provisions exhibit a positive relation with this measure of Bank Valuation. Conclusions: These findings provide contributions to the literature on the existence of the effect of loan growth on Bank Valuation. At the same time, the study also provides practical implications for policy makers in banks and investors.

• The Journal of Asian Finance, Economics and Business
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• 제7권8호
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• pp.205-212
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• 2020

This study seeks to examine the main factors, external and internal to the bank, that enhance bank lending. Bank lending is one of the connecting bridges in sustaining society. Internal factors consist of ROA, DPK, and CAR. External factors are economic growth and interest rate of Bank Indonesia. The population of this research consists of traditional commercial banks listed on the IDX over the 2014-2017 period. Samples were chosen by purposive sampling method. This study uses secondary data with 56 samples; data analysis uses multiple linear regression. The findings of the study show that internal factors have a greater impact on increasing bank lending than external factors. The main variable among internal factors that influences increase in bank lending is ROA. DPK is the internal factor with the smallest impact on increasing bank lending. The implication of the study is that determining the bank lending should take more account of CAR, DPK, ROA, BI interest rates, and economic growth in making decisions about the amount of lending. These variables can only have a slight effect on increasing lending, though. Besides, internal factors such as NPL, LDR or non-economic factors also need to be considered in channeling bank credit.

• 정보관리연구
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• 제40권4호
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• pp.109-133
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• 2009

생명정보 중에서 미국의 국립생명공학정보센터(NCBI)에서 제공하는 GenBank는 전 세계적으로 연구자들이 가장 많이 사용하는 대표적인 유전자정보 데이터베이스이다. 한국과학기술정보연구원(KISTI)은 GenBank의 최신 버전을 데이터베이스로 재구축하여 Bio-KRISTAL 검색엔진을 이용하여 국내 생명과학 연구자들에게 제공하고 있다. 본 논문에서는 GenBank 데이터베이스를 활용하여 과학기술정보 통합서비스인 NDSL의 논문정보, 특허정보, 생물다양성정보 등의 콘텐트와 GenBank reference 필드와 organism 필드를 상호 연계하는 서비스 모델을 설계하고 프로토타입 시스템을 개발하였다. 이를 위하여 1) NCBI FTP 사이트에서 GenBank 데이터를 수집하여, 2) GenBank 텍스트 파일을 유전자 기본정보와 참고정보로 나누어 데이터베이스로 재구축하여, 3) GenBank reference 필드에서 논문 및 특허 정보 추출을 통한 새로운 테이블을 생성하여, 4) 데이터 맵핑 기술을 이용하여 GenBank 데이터와 NDSL 데이터가 상호 연계되어 서비스되는 프로토타입 시스템을 구현하여 이종의 콘텐트간 연계 및 융합 서비스의 가능성을 확인하였다.

• 제어로봇시스템학회:학술대회논문집
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• 제어로봇시스템학회 2002년도 ICCAS
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• pp.90.1-90
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• 2002

Counters for the various kinds of bank notes require high-speed distinctive point extraction and recognition for notes. In this paper we propose a new point extraction and recognition algorithm for bank notes. For distinctive point extraction we use a coordinate data extraction method from specific parts of a bank note representing the same color. The recognition algorithm uses a back-propagation neural network that has coordinate data input. The proposed algorithm is designed to minimize recognition time.

• The Journal of Asian Finance, Economics and Business
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• 제7권11호
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• pp.75-81
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• 2020

This study aims to empirically test the effect of liquidity and adequacy on bank performance through interest rate risk and credit risk. Capital adequacy and liquidity are variables that can affect the ups and downs of opinion, where the bank's performance in this study is the dependent variable. Good credit distribution can minimize the occurrence of defaults. This study uses banking companies in Indonesia that are listed on the Indonesian stock exchange, with a total number of 43 banking companies, this study however, uses only 30 companies ranging from years 2014 to 2019, primarily due to the availability of the limited data. The data analysis techniques used in this study is PLS-SEM with the WarpPLS application. The research results show that capital adequacy and liquidity has a positive effect on bank performance, interest rate risk and credit risk can mediate capital adequacy on bank performance, interest rate risk can mediate liquidity on bank performance, and interest rate risk has a positive effect on bank performance. However, credit risk can't mediate liquidity on bank performance and credit risk does not have a positive effect on bank performance. This is in line with the commercial loan theory, shiftability theory and the doctrine of anticipated income, which explains how best to give credit, both in longer and the shorter term.