• The Journal of Asian Finance, Economics and Business
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• v.7 no.7
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• pp.59-72
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• 2020

This paper examines whether lending structure can lower credit risk by employing econometric techniques of panel data for the Vietnamese banking system at the bank level used by economic sectors from 2011 to 2016. New light is being shed on assessing the impact of each industry's debt outstanding on credit risk. Adopting findings from previous studies, we assess credit risk from two different sources, including loan loss provision and non-performing loan. Moreover, we also focus on observing lending structure in many different aspects, from concentrative levels to the short-term and long-term stability levels of lending structure. The Generalized Method of Moments (GMM) estimator was applied to analyze the relationship between concentration and banking risks. In general, the results show that lending concentration may decrease credit risk. It is interesting to observe that the Vietnamese commercial bank lending portfolios have, on average, higher levels of diversity across different sectors. In particular, the increase in hotel and restaurant lending contributes to decrease credit risk while the lending portfolios of banks in agriculture, electricity, gas and water increase credit risk. This study suggests the need for further analysis and research about portfolio risks in lending activities for maintaining efficiency and stability in the commercial banking system.

• Korean Journal of Food Science and Technology
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• v.35 no.2
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• pp.316-319
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• 2003

Titratable acidity, pH, color, and pungency characteristics of commercial kimchi were investigated. Titratable acidity and of pH commercial kimchi waried significantly from pH 3.88 and titratable acidity 0.28% in non-fermented kimchi, to pH 6.20 and titratable acidity 1.13% in over-fermented one. Capsaicinoid contents of kimchi showed low pungency intensity of 0.18% to strong pungency intensity of 2.02, and American spice trading association value of kimchi samples ranged $0.52{\sim}4.1$.

• The Journal of Asian Finance, Economics and Business
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• v.8 no.5
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• pp.785-793
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• 2021

The purpose of the research is to assess the factors affecting the liquidity of the commercial banks that are conducting mergers and acquisitions activities in Vietnam during the 2008-2018 period. This study employs samples based on 2-component data sets with cross-section and time-series data collected from the annual report of the State Bank and the audited acquisitions financial statements of nine commercial banks engaged in mergers and acquisitions activities. To carry out the research objectives, the authors conducted quantitative analysis through the Pooled OLS, REM, FEM and GMM models. The results shown that: (i) bank liquidity is positively affected by liquidity lagged, the return on equity (ROE) and economic growth; negatively affected by bank size, non-performing loan, short-run loan to deposit ratio; (ii) there is not enough evidence to conclude about the relationship between net profit margin, equity-to-assets ratio and inflation rate to bank liquidity; (iii) notably, we found evidence that, after the mergers and acquisitions, the liquidity of Vietnamese commercial banks decreased. The findings of this study suggest that bank managers take a more comprehensive view of the results of mergers and acquisitions and implications for banks to improve liquidity in the post-merger and acquisitions conditions.

• Korean Journal of Fisheries and Aquatic Sciences
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• v.53 no.6
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• pp.870-877
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• 2020

Twenty-three Bacillus cereus strain isolated from commercial jeotgal were investigated for 11 toxin genes and susceptibility to 25 different antimicrobials. The hemolytic enterotoxins hblA, hblC, and hblD were detected in 13.0%, and non-hemolytic enterotoxins nheA, nheB, and nheC were detected in 26.1%, 100%, and 100% of the isolates, respectively. The positive rates of cytK, entFM, becT, hlyII, and ces were 73.9%, 60.9%, 26.1%, 8.7%, and 0.0%, respectively. According to the disk diffusion susceptibility test, all of the strains studied were resistant to cefuroxime, followed by cefoxitin (78.3%), oxacillin (78.3%), ampicillin (69.6%), penicillin G (69.6%), and amoxicillin (65.2%). However, all the strains were susceptible to 11 other antimicrobials, including amikacin, chloramphenicol, and ciprofloxacin. The average minimum inhibitory concentrations of amoxicillin, ampicillin, and cefuroxime against B. cereus were 462.9, 235.0, and 135.0 ㎍/mL, respectively. These results highlight the need for sanitizing commercial jeotgal, and provide evidence to help reduce the risk of jeotgal contamination by antimicrobial-resistant bacteria.

• Journal of Veterinary Clinics
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• v.40 no.4
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• pp.298-302
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• 2023

A 7-year-old neutered male, domestic shorthair cat presented anorexia and lethargy. The complete blood cell count revealed severe non-regenerative anemia, lymphocytic leukocytosis, neutropenia, and thrombocytopenia. On the peripheral blood smear examination, medium to large lymphoblastic cells with moderate amounts of basophilic cytoplasm were observed in up to 70% of peripheral leukocytes. Feline leukemia and immunodeficiency viruses were not detected using a commercial diagnostic kit. While splenomegaly and blunt margins of the caudoventral liver were observed in abdominal radiography, changes in the intra-abdominal lymph nodes were not remarkable. Ultimately, flow cytometric immunophenotyping from the peripheral blood revealed a negative for B-cell markers (CD21-/CD79a-) and T-cell markers (CD3-/CD4-/CD5-/CD8-). Based on the hematological examination and the immunophenotyping assay, the cat was diagnosed with non-B, non-T acute lymphoblastic leukemia. Here, we report a rare case of non-B, non-T acute lymphoblastic leukemia to raise awareness and provide information on clinical symptoms and laboratory test and immunophenotyping analysis results.

• Journal of Korea Society of Industrial Information Systems
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• v.17 no.2
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• pp.81-94
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• 2012

On December 11, 2001, China joined the WTO and became one of the member countries and the Chinese financial markets had to be open in 5 years. So, the Chinese government transformed national commercial banks into joint-stock banks. The purpose of this paper is to investigate the validity of this decision by the Chinese government. In order to measure the efficiency of banks, the directional distance function (DDF) methodology is used, which analyzes whether a bad output exists in the outputs. In the empirical analysis, the number of staffs, the fixed assets, and the equity capital are used as inputs, while the loans and the non-performing loans ratio are used as a good output and a bad output, respectively. The non-performing loans ratio is included in output since it could affect the efficiency of banks. If it isn't considered in the analysis, a distortion might occur in analyzing the efficiency of banks. The results show that the efficiency of the major commercial banks was improved, and that the efficiency of joint-stocks banks was higher for 2002-2003 while the efficiency of national commercial banks was higher for 2004-2006. It was due mainly to the foreign exchanges reserve funds injected into national commercial banks by the Chinese Ministry of Finance, and as a result bad assets were eliminated.

• Knowledge Management Research
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• v.22 no.4
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• pp.217-235
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• 2021

As 49% of the world's population uses social media platforms, communication and content sharing within social media are becoming more active than ever. In this environmental base, the one-person media market grew rapidly and formed public opinion, creating a new trend called sell-sumer. This study defined new types of influencers by product category by analyzing the subject concentration of the commercial/non-commercial keywords of influencers and the impact of the ratio of commercial postings on sales. It is hoped that influencers working within social media will be helpful to new sales strategies that are transformed into sell-sumers. The method of this study classifies influencers' commercial/non-commercial posts using Python, performs text mining using KoNLPy, and calculates similarity between FastText-based words. As a result, it has been confirmed that the higher the keyword theme concentration of the influencer's commercial posting, the higher the sales. In addition, it was confirmed through the cluster analysis that the influencer types for each product category were classified into four types and that there was a significant difference between groups according to sales. In other words, the implications of this study may suggest empirical solutions of social media sales strategies for influencers working on social media and marketers who want to use them as marketing tools.

• Journal of the Korean Society of Fisheries and Ocean Technology
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• v.49 no.4
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• pp.377-384
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• 2013

Experimental fishing was carried out to compare and analyze catch characteristics of shrimp beam trawl in a fishing area and a non-fishing area during the period of fishing season and off-fishing season in the coastal waters of Geoje. A commercial fishing boat (4.99 tons) was used for the test fishing. The amount of total catches were 14,654g in the fishing area and 12,359g in the non-fishing area, shrimp catches of non-fishing area were much greater than that of the fishing area during the period of off-fishing season (June and August). However, total catches were 27,670g in the fishing area and 33,004g in the non-fishing area, shrimp catches of fishing area were bigger than that of non-fishing area during the period of fishing season (October and December). On the results of the study, catches characteristics between fishing area and non-fishing area showed the reversed results for the period of fishing season and off-fishing season.

• Proceedings of the Korean Institute of Building Construction Conference
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• 2017.05a
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• pp.262-263
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• 2017

Currently, the environmental certification such as BREEAM and LEED has been improved for the sustainable development and related research is conducted continuously. Especially, in the respect of economy, it is reported that the construction costs of the certified buildings are more increased than non-certified buildings. However, the report has not focused on the educational building but the residential and commercial buildings. Therefore, the objective of this study is to analyze the difference of construction costs between LEED and Non-LEED educational buildings. To achieve the objective, the buildings data are collected in 21 universities then T-test is used for examining the construction costs. As a result, it shows that the construction costs of LEED buildings are increased by 3.8% comparing with non-LEED buildings.

• Korean Journal of Air-Conditioning and Refrigeration Engineering
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• v.26 no.4
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• pp.193-198
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• 2014

Heat transfer performance variation of a condenser caused by non-uniform distribution of air flow was investigated using a numerical simulation method. A heat exchanger used for a outdoor unit of a commercial heat pump system and represented by a numerical model was selected. Non-uniform profile of air-velocity was constructed by measuring the air velocity at various locations of the outdoor unit. Simulation was conducted for various refrigerant circuits and air flow conditions. Simulation results show that the heat transfer capacity was reduced depending on the air-flow rate and the refrigerant circuit configuration. It is also shown that the capacity reduction rate is increased as the average air velocity decreases.