• 한국수자원학회논문집
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• 제46권1호
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• pp.25-34
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• 2013

본 연구에서는 복렬사주의 모드를 객관적으로 판단할 수 있는 2중 퓨리에 해석을 수행하여 하폭의 변화에 따른 복렬사주의 발달 과정을 정량적으로 분석하였다. 초기에 직선하도에서 하안침식이 발생하고, 하폭 대 수심의 비가 증가하면서 복렬사주가 발달하였다. 사주가 하류로 이동하면서 성장하고, 사주의 주변에서 흐름이 분리되어 하안 침식을 가속시키면서, 지형이 지속적으로 변하여 유사의 유출특성에 영향을 주었다. 2중 Fourier 해석에 의한 하상파(wave)의 분포와 지배적인 성분의 변화를 분석한 결과, 초기에1-1 모드(mode)인 교호사주가 지배적이지만, 시간이 지나면서 하폭이 증가하여 상대적으로 수심이 감소하면서 2-3 모드가 지배적인 것으로 나타났으며, 교호사주의 강한 비선형 특성이 상호작용하기 때문이다. 하안침식이 진행되면서 하폭 대 수심의 비가 증가하고, 무차원 소류력이 감소하였다. 하폭 대 수심의 비가 증가할수록 사주의 이동속도가 감소하고, 사주의 파장은 증가하였다. 무차원 소류력이 증가하면서, 사주의 이동속도는 증가하였다.

• 환경영향평가
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• 제2권2호
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• pp.73-83
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• 1993

Increasing concern for the environment in Korea has led to the demand that major policies and large-scale development projects be subjected to detailed impact assessment. This paper reports on the state of data related to the prediction of the environmental impact (EIA) to emphasize the importance of data quality. Environmental impact statements (EIS) consulted with the Ministry of Environment of Korea were analyzed from 1981 through 1992. Many of assessors used existing data and collected supplementary data from field survey. Most of the results of EIA are presented directly or summarized on maps and as graphics. For the national purpose, large source of quality-controlled data such as atmospheric data have been developed, However, there are the deficiency in data to analyze the impact of human activity, and data gaps and incompatibilities among systems. Consequently, the development of data bank systems including computer database and remotely-sensed satellite data is required to improve the quality of data which are relevant to EIA. The data bank system should be organized meaningfully in minimum time with a least cost, and measurement standards must be made explicit. Geographical information systems (GIS) are applicable to the graphic presentation or to the impact prediction model.

• KDI Journal of Economic Policy
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• 제33권3호
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• pp.33-55
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• 2011

한국 은행산업의 시장집중은 1997~98년 금융위기 이후 은행들의 합병, 인수 등으로 현저하게 증가하였다. 이러한 변화와 함께, 한국 금융부문의 시장지배력에 대한 우려 또한 늘어났다. 본고는 1992~2006년의 기간 동안 한국에서의 은행의 효율성과 경쟁도에 대한 시장집중도 변화의 효과를 분석하고자 한다. 은행 비효율성의 측정을 위하여 방향성 기술거리함수에서 도출되는 X-비효율을 포함한 세 가지 다른 지표가 본 연구에 사용되었으며, 은행의 경쟁도는 Panzar-Rosse 모형의 H-통계로, 또는 순이자 마진의 수준과 편차의 변화로 측정하였다. 실증분석 결과에 따르면, 시장집중 증가가 규모 및 범위의 경제를 통해 은행의 효율성을 제고하지 못한 것으로 나타났다. 오히려 최근의 은행 합병, 인수와 통합은 세 가지 지표(X-비효율, 노동 비효율 및 자산 비효율)에 의해 측정된 비효율성을 증가시키는 것으로 나타났다. 개별 은행의 시장점유율 증가는 은행의 효율성을 개선시키는 반면, 전체 은행의 시장집중도의 증가는 효율성을 낮추는 결과를 초래했다. 또한 본 연구는, 한국의 은행부문은 금융위기 기간을 제외한 샘플 기간 동안 독점적 경쟁의 특징을 가지고 있다는 결과를 얻었다. 시장집중도의 증가는 은행 경쟁도의 전반적인 수준에 변화를 초래하지는 않았지만, 평균 이자 마진의 수준에 통계적으로 유의적인 정(+)의 효과가 있는 것으로 나타났다.

• The Journal of Asian Finance, Economics and Business
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• 제9권4호
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• pp.287-298
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• 2022

Indonesia is an agrarian country with the significant development of Shariah banking. This study aimed to estimate the effect of Third Party Funds (TPF), Non-Performing Financing (NPF), Exchange Rates (ER), and Bank Indonesia Shariah Certificates (SBIS) on the Sharia Agriculture Sector Financing in Indonesia during 2014-2020. This study used the Ordinary Least Square (OLS) technique to analyze the data. The coefficient of determination test showed that 99.19% of Sharia financing in the agricultural sector was influenced by TPF, NPF, Exchange Rate, and SBIS variables. The estimation results showed that the variables of TPF and ER significantly affected Sharia Financing for Agricultural Sector (PP). Meanwhile, the NPF and SBIS variables had no significant effect on PP. This research showed the resilience and accuracy of Islamic banking in selecting financing and can support the development of other Islamic financial instruments such as SBIS. Simultaneous test results demonstrated the existence of the estimating model. Because of the character of the Indonesian nation as an agricultural country, this study advised Sharia banking to prioritize the usage of third-party funds from the public for the agricultural industry. Sharia banking also needed to produce Islamic finance products that fit the agriculture business sector's needs.

• The Journal of Asian Finance, Economics and Business
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• 제8권1호
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• pp.741-750
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• 2021

The research aims to analyze the level of efficiency by grouping banks during the period 2017 - 2018 into category 1 and category 2 banks and then dividing them as Regional Development Banks (BPD) and Non-BPD Conventional Commercial Banks (BUK) within each category. The research objects are banks within the categories BPD and BUK comprised 18 BPDs and 35 BUKs. The research methodology uses 3 stages, first, using Data Envelopment Analysis (DEA) we measure the level of bank efficiency; second, using the Tobit regression model we evaluate the effect of financial performance on DEA efficiency, and third, using the Mann-Whitney test we determine whether there is a difference in the efficiency of category 1 and 2 banks. The results showed that there was a decrease in the efficiency of category 1 and 2 banks but on average, the efficiency of category 1 banks is higher than category 2 banks. The estimation results of the Tobit regression model show that only the ROA variable affects the efficiency level of category 1 banks, while category 2 banks are influenced by NPL and ROA variables. In the Mann-Whitney test, it was proven that there were differences in efficiency between BUK and BPD in category 1 and 2 banks.

• Asian Journal of Business Environment
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• 제7권2호
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• pp.31-38
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• 2017

Purpose - While microfinance institutions(MFIs) from Bangladesh, such as Grameen Bank, received worldwide recognition and the Nobel Peace Prize in 2006, however, there is a paucity of research that provided a comprehensive discussion on the characteristics of the microfinance industry. Hence, the aim of this paper is to discuss some important aspects of the microfinance sector in Bangladesh. Research design, data, and methodology - This study used secondary sources of data, such as annual reports of the Microcredit Regulatory Authority (MRA) and the World Bank database in its descriptive analysis. Results - This study found that Bangladesh has made remarkable progress in her socio-economic and economic development in the last few decades. It is also generally perceived that microfinance has placed significant contribution on such socio-economic development. While microfinance observed unprecedented growth domestically, however, the regulatory framework is still rather weak, and a majority of the MFIs are found to be concentrated in the well-off areas (e.g., Dhaka, Chittagong etc.). Conclusions - The findings are significantly important for the parties who are interested to know the microfinance sector in Bangladesh. To some extent, the findings of this study will provide policy implications that may benefit the industry.

• The Journal of Asian Finance, Economics and Business
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• 제8권2호
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• pp.783-790
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• 2021

The remittances play a major and a very critical role in promoting economic growth and development activities in the developing countries. In this study, the relationship between per capita gross domestic product (GDP) and remittances paid has been investigated based on the case studies in Malaysia from 1987 to 2018. Data was collected from various sources namely statistical yearbook by World Bank and Asian Development Bank. All variables are expressed in natural logarithm form. The technique utilized is the nonlinear autoregressive distributed lags (hereafter NARDL) approach which was introduced by Shin et al.(2014) to examine both short run and long run relationships, as well as the direction of causality, due to the asymmetric relationship between GDP and remittances. The bound test verifies asymmetric cointegration among the variables. The empirical results show that the remittances paid has a momentous short-run and long-run effect towards capital accumulation in Malaysia. Remittances also increase a positive relationship with capital accumulation for Malaysia. We found that remittances form a significant source of external capital and investment for developing countries especially Malaysia which helps in promoting economic development. Furthermore, as a developing country, foreign workers are a source of income to the receiving countries and an indicator to boost sender countries.

• 경제분석
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• 제27권4호
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• pp.70-119
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• 2021

본고는 김정은 집권 이후 추진된 금융부문에서의 개혁조치에 주목하여 그 변화의 내용을 북한 문헌을 중심으로 분석하고 개혁수준을 평가하였다. 분석 결과, 김정은 집권 이후 북한은 중앙은행과 상업은행이 조직적·기능적으로 분리된 것으로 나타났다. 또한 기업은 은행계좌에서의 현금 인출 및 기업간 현금결제가 허용되는 등 종전의 무현금 화폐가 수동적 화폐(passive money)에서 구매력이 있는 능동적 화폐(active money)로 일부 기능할 수 있게 되었다. 중앙은행과 상업은행이 조직적·기능적으로 분리됨에 따라 중앙은행의 발권이 상업은행을 통한 화폐공급 방식으로 변화되었으며, 화폐유통구조의 변화도 함께 이루어져 상업은행의 신용창조 기능이 구현될 수 있게 되었다. 종합해보면, 사회주의계획경제의 은행 및 화폐·지급결제제도가 시장경제의 방식으로 변화되고 있음을 의미한다. 금융부문에서의 개혁은 제반 경제제도 변화를 뒷받침하고 공금융의 기능 회복을 위해 필요했던 것으로서 개혁수준의 측면에서는 진일보한 것이나, 아직 그 수준은 사회주의 체제 내에서의 변화인 과거 구소련의 페레스트로이카 시기 또는 중국의 개혁개방 초기와 유사한 것으로 평가된다. 북한의 금융개혁은 법제정 측면에서는 구소련 및 중국의 개혁 수준보다 우수하지만, 상업은행의 기능 구현 측면에서는 미흡하다. 또한, 계획경제가 유지되는 제도적 제약요인과 공금융에 대한 신뢰 결여 등은 변화된 금융제도의 실효성 및 발전성을 제한할 것으로 보인다. 본고의 분석결과는 북한에서 발간된 문헌에 기초하고 있다는 점에 유의할 필요가 있다. 즉, 최근의 변화가 김정은 집권 이후의 청사진으로 일부 지역에서 시범적으로 추진된 것인지, 전면적으로 추진되고 있는지에 대한 실상은 설명하지 못한다는 한계가 있다.

• 한국수자원학회:학술대회논문집
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• 한국수자원학회 2006년도 학술발표회 논문집
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• pp.546-551
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• 2006

It considered the population decrease and becoming older in age of the Rural area and operates by unmaned-non power which self-controlled gate developed. The operational principal used a buoyancy and when water level in the canal arrived to the set water level, in order for gate to be opened. The plate in order to fix to the shape in the canal which begs, it did in the quadrilateral and the rainfall it is sour intensively, canal bank comfort plate in order to ascend completely, it designed. The result which establishes Self-controlled gate, the gate upstream 1km until degree there was water level synergistic effect. It developed 4 as the research project and it established in Ah San city, and it establishes the Self-controlled gate of $B3.2m{\times}H2.4m$ size in Damyang and 100ha it does water supply in the rice field.

• 한국구조물진단유지관리공학회 논문집
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• 제7권1호
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• pp.207-215
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• 2003

Developed is a new environment-friendly concrete-block retaining wall system. The conventional analysis methods are not directly applicable because the proposed concrete-block wall system is made of by interlocking the blocks with shear keys. Therefore, the shear analysis as well as stability analysis have been conducted to secure the safety of block-wall system. Overall slope stability analysis was also performed. An appropriate strengthening method was developed to ensure the safety when the block-wall system is relatively high. The method of analysis for strengthening the concrete-block wall system was also proposed. The proposed environment-friendly concrete block retaining wall system shows reasonable safety and can be a good construction method for retaining walls and river bank walls.