• The Journal of Asian Finance, Economics and Business
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• 제8권9호
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• pp.201-210
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• 2021

A bank's competitive advantage helps in enhancing its ability to maintain a competitive advantage in product consumption, expand the consumption market, and effectively use business factors to maximize economic growth. The research aims to investigate the impact of organizational culture on the sustainable competitive advantage of commercial banks in Vietnam. The study adopts a quantitative research method, through structural equation modeling analysis (SEM). A survey was conducted on 608 participants who are staff at commercial banks in Vietnam. Research results show that organizational culture has both a direct and indirect impact on sustainable competitive advantage through factors of social responsibility and knowledge sharing. Based on these findings, the study gives some recommendations to contribute to the creation, maintenance, and development of sustainable competitive advantages of commercial banks. The findings of this study have shown the importance and impact of organizational culture on many aspects of a bank's sustainable competitive advantage. These are meaningful contributions in both theory and practice to help banks gain more insight into human resources management. The study also raises an issue on the need to care about and develop an organizational culture to bring professionalism, initiative, and fairness in all activities of commercial banks.

• 한국생활과학회지
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• 제18권3호
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• pp.757-768
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• 2009

With the women's education level higher and gender equality more promoted, women's opportunity of taking part in business is increasing. Entering the emotional age which counts self-image as being important, there is a view that woman's appearance has a direct relation to their social life. The research is to examine the hypothesis and important factors for women workers at banks for their successful career, that is, to verify the effects of women's appearances on their social life, furthermore, to help female applicants for a bank and the bank clerks have a desirable social life. The subjects were 200 male and 100 female bank clerks and the research was analyzed on the basis of a total of 300 questionnaires. The results are as follows: first, 52 percent of male subjects responded that the factors of "sociability" and "character and good manners" are the most important in social life, while 47 percent of female subjects answered the factor of "ability" is so. Second, 61.5 percent of male and 84 percent of female respondents answered that woman's appearance has a potent influence on their social life. Third, 76 percent of male and 90.9 percent of female respondents answered that when the companies employ woman workers, they take woman's appearance into consideration. It shows even at job interviews that good-looking applicants are in a better position, for bankers must consult with many customers and so their neat and tidy appearance such as their natural make-up and decent hair style (short-hair style) is one of significant factors to perform their jobs. Therefore, appearance managements are primary for women bankers to work at their workplace.

• Asian Journal of Business Environment
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• 제11권3호
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• pp.33-43
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• 2021

Purpose: The purpose of the paper is to assess the greening of investment flows as well as the orientation of financial sources of effective environmental protection. Both India and Vietnam are considered to be two Asian countries that are radically affected by global climate change. Governments of the two countries have implimented numerous measures against environmental pollution through the banking and finance sector. Developing green banking operations in India and Vietnam is a new direction in the socio-economic development strategy coupled with effective environmental protection. Research design, data and methodology: The data was mainly based on Asia Development Bank Institution (ADBI) and Bank of India (BOI) from 2015 - 2018. This paper focused on comparing and evaluating the development of green banks between the two countries. Result: The banks' contribution to green growth and green economy is shown in two basic aspects: (i) the connection between organizations, and individuals, and management process for investment projects, including environmental risks; and (ii) the operation of banks has a direct impact on the environment, through the application of technology to pay documents and apply e-banking. Conclusion: Paper reflects, compares and evaluates green banking operations in India and Vietnam to provide new directions aiming to develop financial and economic system along with effective and efficient step toward climate change control. India's green banking operations, after a specific assessment, will be lessons for the Government of Vietnam during the process of socio-economic development and environmental protection.

• 한국산학기술학회논문지
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• 제15권8호
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• pp.4895-4900
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• 2014

본 연구는 미시 수준의 기업 자료를 이용하여 정부소유 은행과 거래 기업의 규모에 대해 다양한 실증분석을 실시하였다. 기업과 정부소유 은행 관계는 정부소유은행과의 최다대출관계 여부, 정부소유은행의 대출비중 등을 이용하였다. 또한 정부소유 은행관계가 기업 규모에 미치는 영향에 대한 내생성 문제를 통제하기 위해 시차변수, 도구변수를 이용한 이단계 최소자승 모형 등을 이용하였다. 또한 분석결과에 미칠 수 있는 요인을 통제하기 위해 다양한 관점에서의 통제변수를 이용하였다. 분석 결과에 따르면 정부소유 은행과 주거래 관계에 있거나 정부소유 은행으로부터 많은 대출을 의존할수록 거래기업의 규모가 작은 것으로 나타났다. 본 연구 결과를 통해 정부소유 은행과 주된 거래관계에 있거나 정부소유 은행들로부터 상대적으로 많은 대출을 의존하는 기업들의 규모는 상대적으로 작은 것으로 추정할 수 있다. 즉 정부소유 은행과 관계가 긴밀할수록 기업의 규모가 작은 기업들이라고 추정할 수 있다. 본 연구는 은행의 정부소유 여부 등 은행 소유 지배구조, 은행과 기업의 관계 등에 새로운 시사점을 제공하고 있다. 또한 본 연구는 은행의 민영화 진행 과정에서 정부소유 은행의 긍정적 기능을 살펴 보았다는 점에서도 시사점이 있다.

• Asian Journal of Atmospheric Environment
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• 제5권3호
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• pp.164-171
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• 2011

This work focuses on the analysis of bioaerosols in the atmosphere at higher altitudes over Noto Peninsula, Japan. We carried out direct sampling via aircraft, separated cultures, and identified present isolates. Atmospheric bioaerosols at higher altitudes were collected using a Cessna 404 aircraft for an hour at an altitude of 3,500 m over the Noto Peninsula. The aircraft-based direct sampling system was devised to improve upon the system of balloon-based sampling. In order to examine pre-existing microorganism contamination on the surface of the aircraft body, bioaerosol sampling was carried out just before takeoff using the same method as atmospheric sampling. Identification was carried out by a homology search for 16S or 18S rDNA isolate sequences in DNA databases (GenBank). Isolate sampling just before takeoff revealed Stretpomyces sp., Micrococcus sp., and Cladosporium sp. One additional strain, Bacillus sp., was isolated from the sample after bioaerosol collection at high altitude. As the microorganism contamination on the aircraft body before takeoff differed from that while in the air, the presence of additional, higher atmosphere-based microorganisms was confirmed. It was found that Bacillus sp. was floating at an altitude of 3,500 m over Noto Peninsula.

• 벤처창업연구
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• 제7권3호
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• pp.89-97
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• 2012

최근 중국 경제성장과 더불어 소득수준과 생활수준이 향상됨에 따라 소비자들의 건강, 고도의 의료서비스와 휴양시설 개발 및 이용에 대한 관심이 점점 증대되고 있다. 따라서 중국 병원 산업에서 경쟁력을 향상시키기 위해서 서비스품질의 가치를 다시 인식하는 것을 필요하다. 본 연구는 중국병원의 서비스 품질 구성요인에 대한 분석하고 각 구성요인은 서비스가치, 고객만족 및 재이용의도간의 인과관계를 확인하고자 한다. 이러한 연구목적을 달성하기위해 본 연구에서는 문헌적인 고찰과 실증적인 분석을 병행 실시하였다. 본 연구의 결과는 중국 병원산업에서 서비스품질의 구성요인을 "상호작용품질", "결과품질", "물리적 환경품질"의 세 차원으로 구분하여 각 차원은 고객만족에 대한 직접적이고 유의적인 영향을 미치는 것으로 나타났다. 그리고 서비스가치는 고객만족 및 재이용의도에 직접적이고 유의적인 영향을 미치는 것으로 나타났고, 고객만족은 서비스품질과 재이용의도간의 관계에서, 서비스가치와 재이용의도간의 관계에서 중요한 매개역할을 하고 있음을 실증적으로 보여주고 있다.

• 인터넷정보학회논문지
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• 제9권3호
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• pp.103-117
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• 2008

일반 고객이 대기업 혹은 중소기업, 증권, 금융, 은행권 등의 서비스를 제공받기 위해서는 보편적으로 인터넷, SMS(Short Message Service), ATM(Automated Teller Machine), DM(Direct Mail), 텔레포니 서비스 등을 사용한다. 특히, 화재 보험사 및 증권, 금융, 은행권의 경우는 QoS(Quality of Service) 보장을 통한 실시간성 제약 조건을 만족해야 한다. 본 논문에서는 고객의 최초 접점으로 이용될 수 있는 CRM(Customer Relationship Management) 환경 하에서 다중 채널 서비스를 위한 결함허용 IVR(Interactive Voice Response)을 설계 구현하였다. 제안한 모델은 대 고객 응대 CRM 모델로 효율적으로 이용될 것으로 사료된다.

• Journal of Power Electronics
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• 제9권5호
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• pp.679-690
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• 2009

The paper presents a new photovoltaic inverter for stand-alone induction motor application. The proposed system is composed of two stages. First stage is for the photovoltaic dc power feeding and second stage is dedicated to the motor-inverter subsystem and control technique. A direct torque control (DTC) with a novel switching strategy for motor torque ripple minimization is introduced. The novel DTC strategy is based on selecting a suitable voltage vector group for motor torque ripple minimization. A three-level voltage source inverter (VSI) is used instead of a two level inverter because the first has more available vectors and lower ripples in the output current and flux than the second, thus it has lower torque ripples. The photovoltaic array and battery bank are sized and the configuration is indicated based on sun-hour methodology. Simulation results show a comparison between three systems; two level VSI with conventional DTC strategy, three level VSI with conventional DTC, and the proposed system that has a novel DTC switching strategy applied to three level VSI. The results show that the proposed system has lower ripples in the current, flux and torque of the motor.

• The Journal of Asian Finance, Economics and Business
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• 제6권4호
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• pp.115-128
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• 2019

The study aims to investigate the pattern of relationships such as symmetric or asymmetric, between exchange rate and foreign direct investment in Bangladesh by applying Autoregressive Distributed Lagged (ARDL) and nonlinear ARDL. In this study, we employed quarterly data for the period of 1974Q1 to 2016Q4. Data were collected and aggregated from various sources namely, Bangladesh Economic Review published by Ministry of Finance and statistical yearbook published by Bangladesh Bureau of Statistics and an annual report published by Bangladesh Bank. The relationship between exchange rate and FDI inflows attract immense interest in the recent periods, especially for developing countries' perspective. The results of the study ascertain the long run relationship between FDI, exchange rate, monetary policy, and fiscal policy. Considering the asymmetric assumption, the findings from NARDL confirm the existence of a long-run asymmetric relationship in the empirical equation. In the long run, it is observed that positive change that is the appreciation of exchange rate against USD decrease FDI inflows and negative shocks results in grater inflows of FDI, however, the positive shocks produce higher intensity that negative shocks in Exchange rate. For directional causality, the coefficients of error correction term confirm long-run causality, in particular, bidirectional causality unveiled between FDI and exchange rate.

• The Journal of Asian Finance, Economics and Business
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• 제7권5호
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• pp.111-118
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• 2020

This paper examines the impacts of credit on income inequality in Vietnam. Though it is one of the most common measures of financial development, there is a dearth of research in this area. Unlike previous studies, the paper disaggregates the impact of each type of credit on income inequality, looking at the Gini coefficient. We employ the Generalized Method of Moment (GMM) to solve the endogenous problem. The primary data set contains a panel of 60 Provincial observations, from data collected from the General Statistics Office of Vietnam from 2002 to 2016. The empirical findings show that, while commercial credit increases income inequality, policy credit contributes to reducing income inequality in Vietnam. The results also confirm the important roles of education, institutional quality and foreign direct investment in fighting against income inequality in Vietnam. However, the paper does not provide adequate evidence to support the inverted U-shaped relationship between credit and income inequality. Based on the findings, we argue that the government should direct flows of credit to real economic activities rather than speculative investment; more bank credit should be allocated to rural areas and agriculture; and favorable credit programs should be designed to promote education, especially of those living in rural areas.