• 한국산학기술학회논문지
• /
• 제16권8호
• /
• pp.5267-5272
• /
• 2015

본 연구는 2008~2013년 한국의 은행 대출 자료를 이용하여 건설 및 부동산업으로의 대출 집중과 은행 위험의 관계를 분석하였다. 각 은행의 기업대출에서 건설, 부동산업으로의 대출이 차지하는 비중을 이용하여 건설 및 부동산업의 대출을 산정하였다. 은행 위험은 부실여신(3개월 이상 연체 및 무이자 여신) 규모와 은행의 자기자본비율로 산정하였다. 분석 결과에 따르면, 1기 이전 은행의 건설, 부동산업 등으로의 대출 비중이 증가할수록 은행의 부실여신 규모는 감소하고 자기자본비율은 제고되는 것으로 나타났다. 은행의 특정 산업으로의 대출 집중은 은행의 위험을 증가시키지 않을 것으로 추정된다. 이는 대출집중으로 인해 은행들이 해당 산업에 대한 대출 전문심사 능력향상이 향상됨에 따라 이들 산업에 대한 정보비대칭성을 낮출 수 있기 때문인 것으로 추정된다. 한국의 경우 건설 및 부동산임대업으로의 대출 증가가 은행의 부실대출 위험으로 연계될 가능성은 크지 않은 것으로 진단된다.

• 한국지리정보학회지
• /
• 제1권1호
• /
• pp.52-69
• /
• 1998

마케팅 GIS의 대표적인 분야인 은행마케팅에 있어서의 고객 및 점포관리를 위한 DB를 지방은행인 대구은행을 대상으로 GIS를 이용하여 구축하였다. 이를 위하여 area marketing의 기본개념과 전개방안을 검토하고 수치도로지도, 행정경계, 우편동경계 등의 위치자료와 상공인명감, 지가, 토지이용 등의 속성자료를 포함하는 은행외부자료 및 마케팅과 관련된 은행내부자료를 중심으로 구축하고, 이를 기초로 간단한 공간검색과 분석기능을 지닌 사용자 인터페이스중심의 은행 GIS 시스템을 개발하였다. GIS 기본 패키지는 Map/Info, 인터페이스를 위한 언어로는 Delphi가 각각 사용되었으며, 아울러 구축과정에 있어서의 위치 및 속성자료에 관련된 여러 가지 문제점을 종합적으로 검토 평가하였다.

• 대한전기학회논문지:전력기술부문A
• /
• 제50권7호
• /
• pp.303-308
• /
• 2001

This paper presents algorithm to plan construction and expanding of substation considering contingency accidents by proposing utilization factor according to configuration of substation bank system. In this paper, firstly, proper sphere of supply area by each district which could be standardized with respect to its supply capacity is established under assumption of long term load forecasting. Secondly, goal of utilization ratio based on configuration of substation bank was set to keep reliability by remaining sound bank when it happen to one bank accidents. Finally, it is set up for optimal construction and expanding of substation considering economy and reliability simultaneously about substation to exceed these ratio. To verify proposed algorithm, at first, after adopting a part of Kangnam area in Seoul as area for testing, it is divided into several regions for this area according to power branches of power utility. Secondly, by deriving correlation factor between load demand and economic indicators in these region respectively, the regional load forecasting was performed with economic growth and city plan scenario. Finally, based on the predicted load demand by region and land use data which is identified from air-photographic, the load demand by district was predicted. Also, planning for substation considering contingency is formulated to expand taking into account computing utilization factor which is based on configuration of substation bank respectively.

• The Journal of Asian Finance, Economics and Business
• /
• 제8권2호
• /
• pp.809-820
• /
• 2021

The study aimed to investigate the impact of sectoral bank credit facilities provided by commercial banks on the non-oil economic growth in Saudi Arabia. Bank credit facilities are given for nine economic sectors: agriculture, manufacturing, mining, electricity and water, health services, construction, wholesale and retail trade, transportation and communications, services, and finance sector. The study employs annual data from 1970 to 2019. The study employs the Autoregressive Distributed Lag (ARDL) approach to identify the long-run and short-run dynamics relationships among the variables. The main results reveal that the overall impact of total bank credit has a significant and positive effect on non-oil economic growth in KSA. The results revealed that the effect of bank credit on the non-oil GDP growth in the short and long run was uneven. The study finds that all sectors have a positive and significant impact in the long run, except for the agricultural and mining sectors. Likewise, all sectors have a positive and significant impact in the short run, except for construction, finance, services, and transportation & communications. As a result, bank credit facilities in different sectors have played an important role in enhancing the non-oil economic growth in the KSA.

• 사상체질의학회지
• /
• 제24권2호
• /
• pp.47-53
• /
• 2012

1. Objectives : The aim of the present study was to describe the Korea Constitutional Multicenter Bank (KCMB), which was various clinical data bank for scientific advancement of constitutional diagnosis and treatment. 2. Methods and Results : The KCMB is based on the 28 multi-institute cooperative clinical research networks including domestic and international institute. Since the KCMB was founded in 2006, data have been accumulated from 10,412 subjects. The KCMB consists of three parts: The clinical constitutional data, the measurement data, and the biological data. The method of data entry is via web based electronic Case Report From (eCRF). The eCRF has been developed and programed to ensure the efficient entry of data. We also developed coding manual, ongoing quality control assessment to obtain high-quality data. 3. Conclusions : The KCMB with various data contribute to providing the scientification of Sasang Constitutional Medicine.

• 생태와환경
• /
• 제51권3호
• /
• pp.212-220
• /
• 2018

Ecological and ecosystem database is becoming very necessary to understand origins and relationship between human and nature and also to minimize disturbance caused by human activities. An ecological information portal can play important roles as a computing system to collect knowledge, distributed research findings and separated data from researchers. In this study, we designed and developed ecological information portal service (EcoBank 1.0) for collecting and providing ecological information for diverse classes of stakeholders. To reach the goal, we had reviewed related and comparable ecological database portals to design conceptual structure of EcoBank system including database management framework. Then, we developed some functions of ecosystem analysis for each stake-holders (researchers, general public and policy makers). As a result of this study, we successfully designed of EcoBank system covering the functions of Digital Object Identifier(DOI) publishing and data quality management process. Also, we (1) applied ecological indices for calculating biodiversity by administrative boundary for policy makers, (2) provided statistical information of econature map for general public and distribution characteristics of species for researchers. To make a successful establishment of EcoBank, we have to collect and build up related database and offer various and reliable ecological data consistently. We expect that the successful construction of EcoBank will help not only to accomplish sustainable development goals but also to raise the welfare of ecosystem in Korea.

• 생태와환경
• /
• 제37권4호통권109호
• /
• pp.400-405
• /
• 2004

동계에 Chikuma 강 중류 수역에서 대규모 하안 보호 공사가 시행된 이후로 강의 하상 구에 급격한 변화가 나타났다. 본 연구는 연속하는 춘계-하계 기간 동안 날도래목 곤충의 일종인 Stenopsyche marmorata의 밀도 유형에 대한 하안 보호 공사의 영향을 평가하기 위해 수행되었다. Light trap을 이용하여 날도래 성충을 포획하여 분석한 결과에 의하면, S. marmorata에 대한 일일 포획의 양상과 포획 개체의 누적 밀도는 공사 전후에 상이하게 나타났다. 즉, 공사 후의 조사 기간 동안일일 포획 성충의 밀도는 약간 증가하였다. 이 결과는 공사 지역에서 S. marmorata 유충 개체군의 연령 구조가 바뀌었고, 하안 보호 공사가 Chikuma강 생태계에 서식하는 날도래 성충의 밀도 패턴에 영향을 미쳤음을 시사한다.

• Asian Journal of Business Environment
• /
• 제12권1호
• /
• pp.25-33
• /
• 2022

Purpose: The purpose of this paper is to determine the effects of the Real Estate Transactions Tax (RETT) on the economic cycles of Saudi Arabia. A secondary purpose is to determine the effects of RETT on the construction and real estate sectors of Saudi Arabia. Research design, data and methodology: The data used is retrieved from the General Authority of Statistics, Saudi Central Bank and the World Bank Open Data. Econometric models of multiple linear regression with dummy variables have been conducted to achieve the objectives and to quantitatively verify the hypotheses. Results: With the VAT exemption in real estate transactions and its substitution with RETT, a positive effect on the economy and the real estate sector has been observed. However, this tax reform has not produced any significant effects in the construction sector. Conclusions: The main conclusion of the present research is that the real estate market has a major influence on economic cycles. After the tax reform, a reduction in the contribution of taxes on real estate transactions to GDP was detected. For the construction sector, after the tax reform, it is estimated that there will be an insignificant reduction in the contribution of the real estate price index, and of the taxes on real estate transactions, to GDP.

• 국제학술발표논문집
• /
• The 6th International Conference on Construction Engineering and Project Management
• /
• pp.650-651
• /
• 2015

Value Engineering has been recognized as one of the construction management techniques for improving the value and benefits of whole project. However, due to the lack of the past data and inefficient free-thinking techniques, the idea generation during VE workshop is still inefficient and ineffective. Even though various studies related to theoretical methodology and technical systems relevant to database were conducted, VE team still mainly rely on their experience for idea generation. With this regard, this study suggests an approach of BIM-based idea bank and assesses its effectiveness by interviewing 20 VE experts in the industry. This approach covers the three steps of idea generation, consisting of 1) Developing BIM based VE database, 2) Generating VE ideas, 3) Updating VE ideas. The result showed that the proposed approach has great potentials to support VE team and improve the quality of VE ideas during creativity phase.

• 동의생리병리학회지
• /
• 제21권6호
• /
• pp.1586-1589
• /
• 2007

This study aims to construct Constitution Information Bank to objectification of Sasang Constitution Diagnosis and Treatment. 422 cases clinically confirmed their Constitution by experts are collected retrospectively and 219 cases for constitution-family study are also collected in Constitution Information Bank from Nov. 2006 to Sept. 2007. The information include their physique, appearance, character, temper, symptom and treatment records. Their DNA cell lines also included in Constitution Information Bank for constitution-genome study. Constitution Information Bank is composed of constitution-clinical information -physique, appearance, character, temper, symptom and treatment records- and biological information -DNA genotyping data-. Total of 550 cases are collected in Constitution Information Bank from Nov. 2006 to Sept. 2007. Among these, 219 cases are for constitution-family study, especially, 74 cases are collected from Han's large family.