• Journal of Information Technology Services
• /
• v.7 no.2
• /
• pp.77-93
• /
• 2008

According to the statistics revealed by Bank of Korea on March, 2007, Internet banking transactions outnumbered face-to-face banking services in Korea. Internet banking is becoming essential in every financial service sectors. For people with disabilities, Internet banking is more meaningful because they do not need to visit the bank, thereby saving inconvenient trips. Governments in many countries are working on setting standards and laws on the web accessibility for people with disabilities. Korea government enacted Korea Disability Discrimination Act in 2007. This paper examined the web accessibility compliance of Internet banking sites. Twenty one Internet banking sites were selected from the list in the Korea Federation of Banks's Web sites. We examined four major checkpoints that are considered crucial among the fourteen checkpoints in "Internet Web Contents Accessibility Guidelines" which was amended by Ministry of the information and Communication in 2005. The results showed that all of the twenty one Internet banking sites didn't meet the four major checkpoint requirements. Moreover, only one banking site satisfied alt-text requirement that is considered the most fundamental among the checkpoints.

• Asia-Pacific Journal of Business Venturing and Entrepreneurship
• /
• v.6 no.2
• /
• pp.25-50
• /
• 2011

The purpose of this study is to investigate the difference of performance between banks with electronic-based banking service and banks without electronic-based banking service in Korea. The performance indicators we use are DEA efficiency and profitability such as NI, ROA and ROE. The findings are that the performance of bank with electronic banking service are significantly different from that of bank without electronic banking service in DEA efficiency, financial efficiency(cost and revenue) and profitability. But there are some differences among the type of electronic-based service channel that banks provide. The banking channels comprise two major groups: the traditional channels and e-channels. E-channels provide cost-saving for banks and their clients. Among them, only card-related ATM significantly affects the profitability of banks in the positive direction, and technical efficiency also affects the bank's profitability. But the others do not affect.

• Economic Analysis
• /
• v.26 no.3
• /
• pp.48-70
• /
• 2020

Using data from the Household Income and Expenditure Survey over the period 1994-2016, we estimate the coefficient of relative prudence in order to capture precautionary saving motive. To do this, we adopt a cohort approach, where we transform such microdata into sample cohort means. Together with initial income involving liquidity constraint, we estimate the relative prudence derived from the Euler equation. The two-stage least-squares (2SLS) between estimate of it obtained from the cohort panel data analysis is too small for the existence of precautionary saving motive, as in previous studies, while the 2SLS random effects estimate is so reasonable. Moreover, the liquidity-constrained cohorts tend to be more sensitive to uncertainty, relative to the unconstrained ones.

• The Plant Pathology Journal
• /
• v.19 no.3
• /
• pp.159-161
• /
• 2003

The coat protein (CP) gene of Apple mosaic virus (ApMV), a member of the genus Ilarvirus, was selected for the design of virus-specific primers for amplification and molecular detection of the virus in cultivated apple. A combined assay of reverse transcription and polymerase chain reaction (RT-PCR) was performed with a single pair of ApMV-specific primers and crude nucleic acid extracts from virus-infected apple for rapid detection of the virus. The PCR product was verified by restriction mapping analysis and by sequence determination. The lowest concentration of template viral RNA required for detection was 100 fg. This indicates that the RT-PCR for detection of the virus is a 10$^3$times more sensitive, reproducible and time-saving method than the enzyme-linked immunosorbent assay. The specificity of the primers was verified using other unrelated viral RNAs. No PCR product was observed when Cucumber mosaic virus (Cucumovirus) or a crude extract of healthy apple was used as a template in RT-PCR with the same primers. The PCR product (669 bp) of the CP gene of the virus was cloned into the plasmid vector and result-ant recombinant (pAPCP1) was selected for molecule of apple transformation to breed virus-resistant transgenic apple plants as the next step. This method can be useful for early stage screening of in vitro plantlet and genetic resources of resistant cultivar of apple plants.

• The Journal of the Convergence on Culture Technology
• /
• v.5 no.2
• /
• pp.77-82
• /
• 2019

The purpose of this study is to analyze the relationship between the controlling shareholding ratio and the business diversification of savings banks The difference in this study is the analysis of the relationship between the controlling shareholding ratio of the savings bank and the business diversification using panel data. In this study, the semi-annual financial statements for the period 2014-2018 were used on the basis of a sample of 79 saving banks. The research model is analyzed using random effects generalized linear square (GLS) model considering the autocorrelation problem. As a result of the empirical analysis, it is estimated that the relationship between the controlling shareholding ratio of the savings bank and the business diversification is significant (+). This is the result of supporting the hedging hypothesis.

• Journal of Digital Convergence
• /
• v.12 no.11
• /
• pp.365-372
• /
• 2014

In this paper, We implement a power-saving and efficient measures in buildings using the smart-meter. In order to save electric power energy, We propose an improved automatic power-factor controller(APFC) and demand control measures. This is achieved by controlling directly circuit breakers and the capacitor bank feeders in real time via a two-way smart-meter's ICT skills. Improved APFC is minimizing installation costs by series-parallel connecting heterologous capacitors to form a more diverse capacitor banking and controlling using the smart-meter. In order to suppress the demand power, We have designed a smart-meter with communication functions using Atmel's AVR465 and tested an operated lodging building for 24-hours. As a result, We made sure to always retained more than 95% power factor and did not occur over compensation.

• Environmental and Resource Economics Review
• /
• v.12 no.1
• /
• pp.91-120
• /
• 2003

This paper is intended to measure sectoral sustainabilities and inter-industry linkage effects of natural capital depletion of the Korean industries, and to analyze sources of their change over time using the familiar input-output model. The sustainability indicator that we are measuring in this paper is based on the so-called genuine saving concept proposed by the World Bank(1997). We accommodated the concept in the extended analytical framework of Proops et al.(1999) to analyze sectoral sustainabilities of the Korean industries. We decomposed sectoral sustainabilities so measured into their composing factors based on the decomposition method devised by Chung & Rhee (2001). According to our analysis, overall sustainability of the Korean industries has been declined since 1995. In heavy and chemical, transportation, and electricity sectors, their sustainabilities has been gotten worse. Among four major factors influencing the sustainability, change in GDP was the most important followed by changes in savings, industrial structures, and demand patterns.

• The Journal of Fisheries Business Administration
• /
• v.31 no.2
• /
• pp.93-117
• /
• 2000

Fisheries finance is divided into the policy time of long period of time and low interest and the special financing institutions, such as Fisheries Co-operatives. Union system finance is the system finance, which supports the fisheries system organization. Fisheries Co-operatives in cities, towns and villages are the independent management objects. Prefecture federation of Fisheries Co-operative is in prefecture stage. Norm Chukin Bank is in national stage. Each shares functions in these three stages, and finance is performed systematically, Fisheries policy finance comprises government financial institution capital such as the Agriculture, Forestry and Fishery Finance Corporation whish is based on the capital of a country or a prefecture financial fund, and fishery Modernization Capital used as financial funds through the government. Moreover, to complement such finance institutionally, Fisheries Credit Foundations, Agriculture and Fisheries Saving Insurance Corporation and National fisheries Co-operative Trust Enterprise Mutual Aid system have been established

• International Journal of Advanced Culture Technology
• /
• v.7 no.1
• /
• pp.43-48
• /
• 2019

The purpose of the study was to examine early childhood teachers' content knowledge of economic education. The subjects, 60 early childhood teachers, were asked to draw concept maps about early childhood economic education. Their concept maps were analyzed in terms of superordinate and subordinate concepts by contents and frequencies. The results were as follows. First, 248 superordinate concepts were shown, and they were categorized into nine representative terms: 'Scarcity and Choice,' 'Decision Making,' 'Monetary Value,' 'Production,' 'Consumption,' 'Distribution,' 'Restrain,' 'Reuse,' and 'Economic Education Activity.' Second, 1,440 subordinate concepts were shown, and 'coin,' 'bill,' 'saving,' 'bank,' and 'money' were frequently shown. Third, the mean numbers of subordinate concepts per superordinate concepts showed that early childhood teachers had more knowledge about 'Consumption,' 'Monetary Value,' and 'Economic Education Activity' than other superordinate concepts. The results showed the need for early childhood teachers to have more systematic and hierarchical pedagogical content knowledge on economic education.

• Korean Journal of Veterinary Service
• /
• v.39 no.1
• /
• pp.41-49
• /
• 2016

In the present study, fast and robust methods for the next generation sequencing (NGS) were developed for analysis of PRRSV full genome sequences, which is a positive sensed RNA virus with a high degree of genetic variability among isolates. Two strains of PRRSVs (VR2332 and VR2332-R) which have been maintained in our laboratory were used to validate our methods and to compare with the sequence registered in GenBank (GenBank accession no. EF536003). The results suggested that both of strains had 100% coverage with the reference; the VR2332 had the coverage depth from minimum 3 to maximum 23,012, for the VR2332-R from minimum 3 to maximum 41,348, and 22,712 as an average depth. Genomic data produced from the massive sequencing capacities of the NGS have enabled the study of PRRSV at an unprecedented rate and details. Unlike conventional sequence methods which require the knowledge of conserved regions, the NGS allows de novo assembly of the full viral genomes. Therefore, our results suggested that these methods using the NGS massively facilitate the generation of more full genome PRRSV sequences locally as well as nationally in regard of saving time and cost.