• The Journal of Asian Finance, Economics and Business
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• 제7권3호
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• pp.127-135
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• 2020

The paper aims to examine whether business cycles affect the link between financial development and bank risk, measured by Zscore and non-performing loans to total loans in six Southeast Asian countries, namely Indonesia, Philippines, Malaysia, Singapore, Thailand and Vietnam. This study uses a sample of 95 listed commercial banks over a 15-year period between 2004 and 2018 in the six Southeast Asian countries. This study employs panel OLS regression and modifications to tackle issues such as endogeneity and heteroscedasticity. The results show that the impact of stock market development (the ratio of the market capitalization to GDP) on Zscore is significantly positive, whereas its effect on non-performing loans is significantly negative. The findings suggest that financial development, in terms of stock market capitalization, improves banks' Zscores and reduces their level of non-performing loans, suggesting that financial development on average reduces bank risk. The impact of business cycle is insignificant towards bank risk, thus rejecting both counter- and pro-cyclical hypotheses, except for the case of risk indicator of loan loss provisions. Examining the joint effect of the business cycle and financial development on bank risk, we find that the phase of business cycles generally does not moderate the link between financial development and bank risk.

• The Journal of Asian Finance, Economics and Business
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• 제8권5호
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• pp.829-837
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• 2021

The study investigates the impact of the Counter-Cyclical Buffer Policy (CCB) on regional development bank profitability in Sumatra, Indonesia. CCB requires banks to hold capital at times when credit is growing rapidly so that the buffer can be reduced if the financial cycle turns down or the economic and financial environment becomes substantially worse. This study employs time series data of regional development banks (RDBs) in Sumatra Island, Indonesia. The methodology applied in this study is a panel dynamic model with Generalized Methods of Moments (GMM). The results show that increasing capital through the implementation of CCB did not have a significant effect on RDBs' profitability. The findings of this study suggest that the activation and implementation of CCB lead to an increase in the amount and cost of loans to companies but do not affect the profitability of RDBs. The value of a Non-Performing Loan (NPL) proved to have a negative and significant effect on bank profitability. The CCB policy aims to overcome the pro-cyclicality of credit growth and improve bank resilience through increased capital which is expected to reduce excessive credit growth as a source of systemic risk. This causes a lack of lending to the community so that the profits obtained by the bank decrease.

• Transactions on Electrical and Electronic Materials
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• 제9권1호
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• pp.33-37
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• 2008

This paper describes the development of a new $5.0{\times}3.2mm$ SAW filter bank which is consist of 12 L, C matching components and 4 SAW bare chips on PCB substrate with CSP technology. We improved the manufacturing cost by removing the ceramic package through direct flip bonding of $LiTaO_3$ SAW bare chip on PCB board after mounting L, C passive element on PCB board. After that we realized the hermitic sealing by laminating the epoxy film. To confirm the confidentiality and durability of the above method, we have obtained the optimum flip bonding & film laminating condition, and figured out material property and structure to secure the durability & moisture proof of PCB board. The newly developed super mini $5.0{\times}3.2mm$ filter bank shows the superior features than those of existing products in confidence, electrical, mechanical characters.

• 한국수자원학회논문집
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• 제56권12호
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• pp.895-903
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• 2023

본 연구에서는 실내실험을 수행하여 홍수터 식생에 의한 하안의 안정성, 만곡부의 곡률 변화, 사행의 발달과 이동을 정량적으로 분석하였다. 홍수터에 식생이 있는 하도는 시간이 증가하면서 사행의 하폭이 일정하게 유지하지만, 선택적인 하안침식에 의해 사행이 발달하고 하류로 이동하였다. 이러한 과정에서 하안침식과 사주의 변화가 크지 않으며, 저수로가 일정하게 유지되면서 유사유출량은 감소하고 변동성이 거의 없이 일정하게 유지되고 있다. 식생의 밀도가 증가함에 따라, 하안침식률이 감소하였다. 식생의 밀도가 증가함에 따라 하안침식률이 감소하였고, 사행의 발달에 영향을 주었다. 이는 홍수터 식생이 하안의 안정성을 증가시키고, 하도의 평면변화에 영향을 미치는 주요 인자 중의 하나임을 의미한다. 하안침식률과 무차원 곡률반경은 홍수터에 식생이 없는 조건에서 가장 크고, 식생이 있는 조건에서는 작다. 또한 상대 측방이동률과 무차원 곡률반경도 하안침식률과의 관계가 유사하는 특성을 보였다. 따라서 홍수터 식생은 하도의 안정성을 증가시켜서 하안침식과 사행의 발달뿐만 아니라, 사행의 곡률 변화와 이동에 영향을 준다.

• The Journal of Asian Finance, Economics and Business
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• 제7권9호
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• pp.371-376
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• 2020

The study seeks to explore the factors affecting the access to credits by individual customers at commercial banks in Tra Vinh province, Vietnam. Based on these results, the author proposes solutions to further improve the ability to serve individual customers at commercial banks in the province in the future. The study was conducted with a method of collecting primary data of 300 individual customers including 150 people with access to credits and 150 people without accessing to credits at six commercial banks in Tra Vinh Province, Viet Nam - Bank of Agriculture and Rural Development, Bank for Foreign Trade Commercial Bank, Bank for Investment and Development of Vietnam, Asia Commercial Bank in Tra Vinh, Sai Gon Commercial Joint Stock Bank, and Bank of East Asia. The author has used binary regression methods, and the study found that seven factors affecting the ability of individual customers to access capital, namely, career, qualifications, collaterals, incomes, documents, loan and business plans, and experience. In particular, occupation, experience, and documents are the most influential factors. From the above results, the author proposes policy implications to improve individual customers' access to credits at commercial banks in Tra Vinh province in the near future.

• The Journal of Asian Finance, Economics and Business
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• 제9권2호
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• pp.1-14
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• 2022

The implications of bank-specific risks and macroeconomic risks on the growth, profitability, and stability of Islamic and conventional banks are examined and compared in this article. The study also investigates whether corporate governance mitigates the effects of both bank-specific and macroeconomic risks on Islamic and conventional banks' development, profitability, and stability. For the period 2007-2019, we examined a panel data set of 22 banks in Pakistan, including both Islamic and conventional banks. We discovered considerable evidence that both bank-specific risks and macroeconomic risks have negative effects on the growth, profitability, and stability of Pakistani banks using a dynamic panel data estimator, the two-step Generalized Method of Moments (GMM) approach. Furthermore, the findings show that bank-specific and macroeconomic risks have different consequences in both types of banking. The impacts of liquidity risk, operational risk, capital risk, inflation risk, and exchange rate risk are higher for Islamic banks than for conventional banks. Conventional banks, on the other hand, are more vulnerable to credit risk and interest rate risk. Finally, the findings show that good corporate governance reduces the negative consequences of both categories of risks on bank development, profitability, and stability. This is true for Islamic and conventional banks alike.

• 정보관리연구
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• 제40권4호
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• pp.109-133
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• 2009

생명정보 중에서 미국의 국립생명공학정보센터(NCBI)에서 제공하는 GenBank는 전 세계적으로 연구자들이 가장 많이 사용하는 대표적인 유전자정보 데이터베이스이다. 한국과학기술정보연구원(KISTI)은 GenBank의 최신 버전을 데이터베이스로 재구축하여 Bio-KRISTAL 검색엔진을 이용하여 국내 생명과학 연구자들에게 제공하고 있다. 본 논문에서는 GenBank 데이터베이스를 활용하여 과학기술정보 통합서비스인 NDSL의 논문정보, 특허정보, 생물다양성정보 등의 콘텐트와 GenBank reference 필드와 organism 필드를 상호 연계하는 서비스 모델을 설계하고 프로토타입 시스템을 개발하였다. 이를 위하여 1) NCBI FTP 사이트에서 GenBank 데이터를 수집하여, 2) GenBank 텍스트 파일을 유전자 기본정보와 참고정보로 나누어 데이터베이스로 재구축하여, 3) GenBank reference 필드에서 논문 및 특허 정보 추출을 통한 새로운 테이블을 생성하여, 4) 데이터 맵핑 기술을 이용하여 GenBank 데이터와 NDSL 데이터가 상호 연계되어 서비스되는 프로토타입 시스템을 구현하여 이종의 콘텐트간 연계 및 융합 서비스의 가능성을 확인하였다.

• 유통과학연구
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• 제21권2호
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• pp.65-76
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• 2023

Purpose: This study examines the opportunities and challenges of sharia-based regional development bank spin-offs in supporting economic growth and income distribution through a board of commissioner's approach. Research design, data, and methodology: The research design is qualitative research with the main data collection technique through in-depth interviews. Results: The results of the study show that Bank Nagari can support the performance of the West Sumatra government, especially in regional finance. The positive influence is shown in the benefit aspect of 31% and the opportunity of 28% which is the priority value. The challenges that must be faced are technology services, improving the quality of human resources, socialization, and application of local wisdom which is by the philosophical values of the people of West Sumatra Adat Basandi Syara' Syara' Basandi Kitabullah. Conclusions: It can be concluded that the local government of West Sumatra has an essential contribution to the conversion of Bank Nagari to RDB Syariah as a whole. The expected implication is that the local government and shareholders cooperate well in supporting the transformation to realize West Sumatra Mandani through the populist economy of the people of West Sumatra.

• Asia pacific journal of information systems
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• 제6권1호
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• pp.75-108
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• 1996

Expert Systems (ES) have been successfully applied to bank loan decisions. However, with regard to bank loan decisions, most loan officers approach the acquisition of an ES with apprehension, which implies that organizational resources devoted to the development and implementation of ES may have been wasted or misused. Because the primary cause of the users resistance to use ES are more significantly related to the behavioral elements rather than technical elements, applying appropriate behavioral theory to the well representative sample group of the whole bank loan officers in the United States with a very accurate measurement tool can provide some clues for developing successful ES for bank loan officers. In this study : 1) Vroom's (1964) expectancy theory was selected to explain bank loan managers' motivation to use an ES ; and 2) the ANN model's prediction power to estimate bank loan officers' motivation levels of using an ES was examined.

• 경영정보학연구
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• 제7권2호
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• pp.229-255
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• 2005

산업은행은 1999년 제1금융권으로는 최초로 IT 운영에 대한 전체 아웃소싱을 추진하였다. 대부분의 은행들이 금융사고와 보안, 그리고 파업에 대한 위험 등을 이유로 타회사 방식 아웃소싱을 꺼리는 상황에서 산업은행의 이러한 시도는 많은 주목을 받았다. 이후 산업은행은 끊임없이 아웃소싱의 문제점들을 진단하고 이를 개선하기 위하여 다양한 보완책을 강구하였다. 이러한 개선의 결과로, 산업은행의 IT 아웃소싱은 외주 운영기와 공동 운영기를 지나 금융권 IT 아웃소싱 최초로 타 은행에 비해 선구적인 아웃소싱 방식인 책임운영 체제를 갖추게 되었다. 책임운영을 통해 산업은행은 최신의 향상된 IT 수준을 얻고 내부 인력을 핵심역량에 집중시키며 부족 인력의 즉시 수급이 가능하게 되어 유연성을 확보할 수 있었다. 또한, 외주업체와의 관계를 공급자와 수요자의 일방적 관계로 설정하지 않고 함께 책임지는 책임 운영 방식 체제로 전환함으로써 자체 보유역량과 IT 전문업체의 노하우를 통합할 수 있게 되어 IT 아웃소싱의 순기능을 활용할 수 있게 되었다. 이와 같은 산업은행의 IT 아웃소싱 사례를 살펴봄으로써 일반적으로 타 회사 방식 아웃소싱에 대해 갖고 있는 우려가 현실적인 것인지, 혹은 극복될 수 있는 것인지를 확인하고, 자회사 방식의 아웃소싱에 비해 어떤 장점들을 갖고 있으며 어떤 성과를 보이고 있는지 정리하였다. 뿐만 아니라, 타 회사방식 아웃소싱에 대한 잘못된 견해들을 바로잡음으로써 폐쇄된 금융 IT 아웃소싱 시장의 구조를 개선하고 국내 IT 아웃소싱 업체의 국제 경쟁력을 제고할 수 있을 것으로 기대한다.