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A Study on the Framework of Customer Orientation, Interest Rate Sensitivity, and Customer Loyalty in the Banking Services: The Moderating Roles of Deposit Interest and Loan Interest Rates (은행서비스에서 고객지향성, 금리민감도, 고객애호도의 구조에 관한 연구: 예금이자율과 대출이자율의 조절효과)

  • Ha, Hong-Youl;Choi, Chang-bok
    • Asia Marketing Journal
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    • v.12 no.3
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    • pp.43-62
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    • 2010
  • The notion of customer orientation is now importantly considered in the context of banking industries. Despite customer-oriented organizational cultures, there are few studies addressing the relationship between customer orientation and its outcomes. In particular, this study aims at testing the effect of customer orientation as a key marketing effort designed by a bank. This is because interest rate sensitivity is critical for evaluating banking services after raising the base rate. In so doing, first, this study investigates the relationships among customer orientation, interest rate sensitivity, and customer loyalty. Second, this paper examines how the moderating effects of both deposit interest and loan interest rates influence the linkages of customer orientation-interest rate sensitivity and customer orientation-customer loyalty. To test the proposed model, research data are collected from 304 subjects who use banking services(e.g., Shin-Han, Kookmin, the First Bank, Hana, and Woori banks). Each construct was measured by published items and the psychometric properties of the three constructs, excluding two constructs of the moderators, were evaluated by employing the method of confirmatory factor analysis via the use of AMOS. The model fit was also evaluated using the CFI, TLI, and RMSEA fit indices that are recommended based on their relative stability and insensitivity to sample size. The findings show that the relationship between customer orientation and customer loyalty is significant, whereas the relationships between customer orientation and interest rate sensitivity and between interest rate sensitivity and customer loyalty are not supported. Although customer orientation is highly evaluated, customers' interest rate sensitivity that results in the comparison of interest rates plays an important role in reducing the effect of customer orientation. As a consequence, interest rate sensitivity does not influence customer loyalty. First of all, one of interesting results in this study is that the moderating effect of loan interest rate is quite different from deposit interest rate. In the case of deposit interest rate, the linkages both customer orientation-interest rate sensitivity and customer orientation-customer loyalty are insignificant. In the case of loan interest rate, however, the two proposed linkages are supported. As our proposed relationships are still in its infancy in the context of banking industry, our study contributes to enhance scholars' knowledge of bank services and provides insights for practitioners when their marketing strategies, particularly both deposit and interest rates, have to be established. Finally, this research also illuminates the need for further research that considers the influence of customer orientation on consumer's decision-making and bank profits. More specifically, the results are encouraging and will lead us to further investigate this key outcome of the banking deposit/interest rates.

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The Rheological Characteristics of Wyoming Bentonite: Role of Salinity (와이오밍 벤토나이트의 유변학적 특성: 염분농도의 역할)

  • Jeong, Sueng-Won
    • Journal of the Korean Geotechnical Society
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    • v.27 no.10
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    • pp.81-92
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    • 2011
  • The rheological properties of Wyoming bentonites are strongly influenced by the size of particles, cation exchangeable capacity, arrangement and morphology of clay mineral. This paper presents the results of rheological investigations on the Wyoming bentonites aqueous dispersions: two types of particle flocculation were considered. For the Wyoming bentonite, 0g/L and 30g/L NaCl equivalent salinity were added in fresh and salt water to examine the rheological behavior. This paper examined the general rheological characteristics, compatibility of rheological models and correlation between soil structure and change in rheological properties of Wyoming bentonite caused by increasing salinity. From flow curves of bentonites hydrated with fresh water and salt water, the observed general flow behavior is very close to shear thinning with yield stress (or ideal Bingham fluid with yield stress and plastic viscosity). However, the change of shear stress at the same shear rate is clear, particularly for lower shear rate. Well-known rheological models are used to fit the data. There is a good agreement between rheological model and data: Carreau, Herschel-Bulkley and power-law for S=0g/L and bilinear, Herschel-Bulkley and power-law for S=30g/L. It may be due to the fact that the internal structural bonding (strong modification of particle-particle interactions from edge-to-edge and/or edge-to-face to face-to-face) in soil matrix is affected from the evolution of rheological properties with different salinities.

Ontology-based Context-aware Framework for Battlefield Surveillance Sensor Network System (전장감시 센서네트워크시스템을 위한 온톨로지 기반 상황인식 프레임워크)

  • Shon, Ho-Sun;Park, Seong-Seung;Jeon, Seo-In;Ryu, Keun-Ho
    • Journal of the Institute of Electronics Engineers of Korea CI
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    • v.48 no.4
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    • pp.9-20
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    • 2011
  • Future warfare paradigm is changing to network-centric warfare and effects-based operations. In order to find first and strike the enemy in the battlefield, friendly unit requires real-time target acquisition, intelligence collection, accurate situation assessment, and timely decision. The rapid development in advanced sensor technology and wireless networks requires a significant change in operational concepts of the battlefield surveillance. In particular, the introduction of a battlefield surveillance sensor network system is a big challenge to the ground forces which have lack of automated information collection assets. Therefore this paper proposes an ontology-based context-aware framework for the battlefield surveillance sensor network system which is needed for early finding the enemy and visualizing the battlefield in the ground force operations. Compared with the performance of existing systems, the one of the proposed framework has shown highly positive results by applying the context systems evaluation method. The framework has also proven to be satisfactory by the structured evaluation method using device collaboration. Since the proposed ontology-based context-aware framework has a lot of advantages in terms of scalability and reusability, the ground force's reconnaissance and surveillance system can be widely applied to expand in the future. And, ontology-based model has some weak points such as ontology data size, processing time, and limitation of network bandwidth. However, these problems can be resolved by customizing properly to fit the mission and characteristics of the unit. Moreover, development of the next-generation communication infrastructure can expedite the intelligent surveillance and reconnaissance service and may be expected to contribute greatly to expanding the information capacity.

Crosstalk between EGFR and p53 in Hepatocellular Carcinoma

  • Cioca, Andreea;Cimpean, Anca;Ceausu, Raluca;Fit, Ana-Maria;Zaharie, Teodor;Al-Hajjar, Nadim;Puia, Vlad;Raica, Marius
    • Asian Pacific Journal of Cancer Prevention
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    • v.15 no.19
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    • pp.8069-8073
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    • 2014
  • Background: Hepatocellular carcinoma (HCC) is one of the most frequent cancers worldwide, with a high mortality. Most patients present with late stage disease, when the treatment options are limited to systemic chemotherapy. The purpose of our study was to evaluate the significance of p53 and EGFR expression in HCC, and to determine whether these two markers correlate with conventional parameters of prognosis. Materials and Methods: Our study included a total of 45 patients, diagnosed histopathologically with HCC. Clinicopathological data including sex, age, tumor necrosis, tumor size, histologic grading, tumor stage, the presence of cirrhosis and chronic hepatitis, were recorded from the Institute database. Three independent microscopic fields were selected for each sample and all the tumor cells within each microscopic field were counted, and then the positive percent of p53 cells were calculated. Three staining patterns were recognized: diffuse, heterogenous and focal. The intensity of EGFR staining was scored on a scale of 0-3+: 0 no staining; 1+ when a weak membrane staining was observed; 2+ when membrane staining is more intense than in 1+, but less than 3+, and 3+ when intense dark brown staining delineated the membrane. To determine the relationship between EGFR expression and p53, we performed double staining in the same HCC specimens. Results: By immunohistochemical staining, p53 protein was detected in tumor cell nuclei in 20 HCCs (44%). We found a significant correlation between the intensity of p53 expression and the histological grade (p=0.008). EGFR expression was detected in 17 (38%) cases, linked to histological grade (p=0.039). Moreover, the intensity of p53 expression was significantly correlated with EGFR intensity (p=0.014). Conclusions: Our results suggest that overexpression of p53 and EGFR plays an important role in hepatocarcinogenesis and contributes to more advanced disease. These markers are not only valuable predictors of prognosis in HCC, but they are also rational targets for new anti-tumor strategies.

An Empirical Study on the Relationships among Manager's Demographic Characteristics, Organizational Characteristics and Strategic Type (최고경영자의 인구통계적 특성, 조직특성과 전략유형의 관련성)

  • Song Kyung-Soo;Chung Dong-Seop
    • Management & Information Systems Review
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    • v.2
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    • pp.47-73
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    • 1998
  • According to the structural contingency theories, organizational structures are determined by such a contingency variables as organizational environment, technology, size, power and strategy. Therefore, many scholor believed that organizational effectiveness will be maximized in the condition of the fit between organizational structure and its contingency variables. But contingency theories have limitations in explaining of the manager's discretion by way of environmental determinism. In 1972, Child introduced strategic choice theory, and this perspective spurred significant, systematic studies of the influence of the managerial voluntary will on the organizational performance. Especially, the question of whether tap managers have an impact on business performance has been addressed by the strategic leadership theory that demonstrates strong associations between the characteristics of top managers, strategic orientation. Therefore, this study has investigated a theoretical literature and an empirical survey that explains the impact of top manger characteristics and organizational characteristics about strategic orientation. In order tn do that, this study develops a research model on the subjects, designed manager's characteristics, strategic typology. Managerial characteristics could be operationalized in terms of demographic measures. In this study, strategic orientation was classified using the Miles & Snow typology. This research model provides hypotheses. Hypotheses H1: The demographic characteristics of the tap manager will differ according to the types of strategic types. H2: The organizational characteristics of the firm will differ according to the types of strategic types. To test these hypotheses, this study conducted questionaire surveys on 108 firms in the Korea national wide. This study has utilized ANOVA, Chi-square analysis, cluster analysis, discriminant analysis for testing the hypotheses. The major findings of this study are summarized as follows. First, this study builds on the central tenent of cotingency theory in provide a comprehensive explanation of the process by which top manager's influence. Second, Manager's characteristics(demographics) are different from each other according to 4 strategic types(Prospector, Defender, Analyzer, Reactor). Third, Organizational characteristics are different from each other according to 4 strategic types. In conclusion, the major contributions of this study are to examine the development of a more comprehensive theoretical framework in the strategic leadership theory and to analyze their contingent relationships among managerial characteristics, organizational characteristics and strategic types in the context of Korea's industry.

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A STUDY ON THE NORMAL DENTAL ARCH FORM OF KOREAN ADULT (한국인 성인의 정상 치열궁 형태에 관한 연구)

  • Chung, Ha-Ik
    • The korean journal of orthodontics
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    • v.3 no.1
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    • pp.7-13
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    • 1972
  • Many geometric curves are presented as representative form of normal dental arches by many authors; circle, ellipse, parabola or catenary curve. Among them those except circle seems difficult to be adopted as a guide in ideal arch form construction and practically many orthodontists chose circle as a standard. Author preferred circle of Bonwill's theory in study of anterior teeth alignment of Korean adults. Eighty three dental models which possess proper occlusion and good arch form were selected and copies of their occlusal surfaces obtained by Ricopy machine. The use of Ricopy machine made it possible to draw arch form exactly. Mesiodistal widths of six anterior teeth were measured and they were added to combined mesiodistal width of six anterior teeth. Circle, that include the points of two cuspal tips of canines and one incisal edge of central incisor were drawn. Distances of lateral incisors that are deviated from arc of this circle were measured and classified into four grades by degree and three groups by kind of teeth deviated. By counting the number of samples involved degree of fit of the circle to arch contour of Korean adult was described. Then, size of radius of circle, intercanine width and intermolar width were measured and evaluated their ratios to combined mesiodistal width of six anterior teeth. In normal occlusion of Korean adult anterior teeth seems to be arranged on an arc of circle the radius of which is similar to combined mesiodistal width of six anterior teeth. Intercanine width and intermolar width have rather constant ratios to combined width of six anterior teeth.

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A study on collecting representative food samples for the 10th Korean standard foods composition table (국가표준식품성분 데이터베이스 대표시료 선정을 위한 표본설계)

  • Kim, Jinheum;Hwang, Hae-Won;Cho, Yu Jung;Park, Jinwoo
    • The Korean Journal of Applied Statistics
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    • v.33 no.2
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    • pp.215-228
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    • 2020
  • Under Article 19, Paragraph 1 of the Food Industry Promotion Act, Rural Development Administration renews the Korean foods composition table every five years. Before the publication of the tenth revision of the Korean foods composition table in 2021, this paper suggests methods for collecting representative samples of 182 highly consumed foods in Korea. Food markets are categorized by their distribution channels, which are supermarkets and local markets. Eight samples are collected from each category by applying the National Food and Nutrient Analysis Program (NFNAP)'s stratified multi-stage sampling. The NFNAP was implemented in 1997 as a collaborative food composition research effort between the National Institute of Health (NIH) and the US Department of Agriculture (USDA) to secure reliable estimates for the nutrient content of food and beverages consumed by the US population. Selected supermarkets for selecting representative food samples are Emart Kayang, Homeplus Siheung, Lottemart Dongducheon, Emart Suwon, Lottemart Dunsan, Lottemart Yeosu, Emart Ulsan, and Hanaroclub Ulsan. Selected local markets also are Doksandongusijang in Geumcheon-gu and Pungnapsijang in Songpa-gu, Seoul, Ilsansijang in Ilsanseo-gu, Goyang, Unamsijang in Buk-gu, Gwangju, Beopdongsijang in Daedeok-gu, Daejeon, Bongnaesijang in Yeongdo-gu and Jwadongjaeraesijang in Haeundae-gu, Busan, and Jungangsijang in Jinhae-gu, Changwon.

A Study on the Design of Office Filing System Furniture (사무용 수납가구의 디자인 특성에 관한 연구)

  • 신화경;하숙녕
    • Archives of design research
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    • v.15 no.4
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    • pp.129-138
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    • 2002
  • Against the projection that the volume of filing would be drastically cut in the Information Age, the needs for filing in this age increases gradually. In this respect, it is critical to study the design of office filing system furniture. Through this study, we could find out what shall be the major requirements for office lijillg system furniture. This study would also provide important raw data for developing more efficient and more satisfactory office filing system furniture. Subject for this study includes 6 representative filing system furniture including a lateral file cabinet. For the design analysis, we used catalogues of foreign and domestic office furniture, particularly filing system furniture. The analysis is classified into the following six categories such as size, shape, color, material, handle, and filing method, mobility, flexibility, and so on. According to the analysis of office furniture in the market, requirements of furniture fit for office environment are found to be as follows. -Instead of the fixed-type furniture, movable furniture is more adaptable to the ever-evolving office environment. -Design the office furniture in accordance with a standardized module would provide a more unity and diversity of arrangement in space particularly when it is arranged with other furniture. -Development of more diverse color, which ranges from achromatic color to wooden color to other various colors, is more favored in the ever-changing office environment. -As the grip provides a variety of image to the furniture let alone its function, its development is required to be more diverse and more conforming 10 the design of Ihe furniture. -The filing methods in general are with drawer and shelf, among which the drawers design is usually fixed. However, under the evolving office furniture environment, the design of Ihe drawer, bolh inlerior and exterior, shall be more diverse and flexible.

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A study on the scheduling of multiple products production through a single facility (단일시설에 의한 다품종소량생산의 생산계획에 관한 연구)

  • Kwak, Soo-Il;Lee, Kwang-Soo;Won, Young-Jong
    • Journal of the Korean Operations Research and Management Science Society
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    • v.1 no.1
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    • pp.151-170
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    • 1976
  • There are many cases of production processes which intermittently produce several different kinds of products for stock through one set of physical facility. In this case, an important question is what size of production run should be prduced once we do set-up for a product in order to minimize the total cost, that is, the sum of the set-up, carrying, and stock-out costs. This problem is used to be called scheduling of multiple products through a single facility in the production management field. Despite the very common occurrence of this type of production process, no one has yet devised a method for determining the optimal production schedule. The purpose of this study is to develop quantitative analytical models which can be used practically and give us rational production schedules. The study is to show improved models with application to a can-manufacturing plant. In this thesis the economic production quantity (EPQ) model was used as a basic model to develop quantitative analytical models for this scheduling problem and two cases, one with stock-out cost, the other without stock-out cost, were taken into consideration. The first analytical model was developed for the scheduling of products through a single facility. In this model we calculate No, the optimal number of production runs per year, minimizing the total annual cost above all. Next we calculate No$_{i}$ is significantly different from No, some manipulation of the schedule can be made by trial and error in order to try to fit the product into the basic (No schedule either more or less frequently as dictated by) No$_{i}$, But this trial and error schedule is thought of inefficient. The second analytical model was developed by reinterpretation by reinterpretation of the calculating process of the economic production quantity model. In this model we obtained two relationships, one of which is the relationship between optimal number of set-ups for the ith item and optimal total number of set-ups, the other is the relationship between optimal average inventory investment for the ith item and optimal total average inventory investment. From these relationships we can determine how much average inventory investment per year would be required if a rational policy based on m No set-ups per year for m products were followed and, alternatively, how many set-ups per year would be required if a rational policy were followed which required an established total average inventory inventory investment. We also learned the relationship between the number of set-ups and the average inventory investment takes the form of a hyperbola. But, there is no reason to say that the first analytical model is superior to the second analytical model. It can be said that the first model is useful for a basic production schedule. On the other hand, the second model is efficient to get an improved production schedule, in a sense of reducing the total cost. Another merit of the second model is that, unlike the first model where we have to know all the inventory costs for each product, we can obtain an improved production schedule with unknown inventory costs. The application of these quantitative analytical models to PoHang can-manufacturing plants shows this point.int.

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Analytical Methods of Levoglucosan, a Tracer for Cellulose in Biomass Burning, by Four Different Techniques

  • Bae, Min-Suk;Lee, Ji-Yi;Kim, Yong-Pyo;Oak, Min-Ho;Shin, Ju-Seon;Lee, Kwang-Yul;Lee, Hyun-Hee;Lee, Sun-Young;Kim, Young-Joon
    • Asian Journal of Atmospheric Environment
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    • v.6 no.1
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    • pp.53-66
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    • 2012
  • A comparison of analytical approaches for Levoglucosan ($C_6H_{10}O_5$, commonly formed from the pyrolysis of carbohydrates such as cellulose) and used for a molecular marker in biomass burning is made between the four different analytical systems. 1) Spectrothermography technique as the evaluation of thermograms of carbon using Elemental Carbon & Organic Carbon Analyzer, 2) mass spectrometry technique using Gas Chromatography/mass spectrometer (GC/MS), 3) Aerosol Mass Spectrometer (AMS) for the identification of the particle size distribution and chemical composition, and 4) two dimensional Gas Chromatography with Time of Flight mass spectrometry (GC${\times}$GC-TOFMS) for defining the signature of Levoglucosan in terms of chemical analytical process. First, a Spectrothermography, which is defined as the graphical representation of the carbon, can be measured as a function of temperature during the thermal separation process and spectrothermographic analysis. GC/MS can detect mass fragment ions of Levoglucosan characterized by its base peak at m/z 60, 73 in mass fragment-grams by methylation and m/z 217, 204 by trimethylsilylderivatives (TMS-derivatives). AMS can be used to analyze the base peak at m/z 60.021, 73.029 in mass fragment-grams with a multiple-peak Gaussian curve fit algorithm. In the analysis of TMS derivatives by GC${\times}$GC-TOFMS, it can detect m/z 73 as the base ion for the identification of Levoglucosan. It can also observe m/z 217 and 204 with existence of m/z 333. Although the ratios of m/z 217 and m/z 204 to the base ion (m/z 73) in the mass spectrum of GC${\times}$GC-TOFMS lower than those of GC/MS, Levoglucosan can be separated and characterized from D (-) +Ribose in the mixture of sugar compounds. At last, the environmental significance of Levoglucosan will be discussed with respect to the health effect to offer important opportunities for clinical and potential epidemiological research for reducing incidence of cardiovascular and respiratory diseases.