• Journal of the Korean Professional Engineers Association
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• v.30 no.4
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• pp.99-116
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• 1997

In order to obtain safe drinking water, free from surface contamination, a study to determine the potential for developing a bank-filtrate system in the Iryong and Yongsan, Nakdong River Basin, Korea was conducted. The main type of aquifer In the study area is alluvial, consisting mostly of sand and gravel. The hydraulic conductivity(k) of the Iryong and Yongsan test areas were 8.63${\times}$10$^-2$cm/s and 9.90${\times}$10$^-2$cm/s, respectively, indicating that these areas are satisfactory for bank filtrate production. Pilot plants(IRPL and YSPL) were set up In Iryong and Yongsan to monitor the change in the quality of bank-filtered water and to determine the effect pumping had on the surrounding hydrogeologic system. The pilot plants operated continuously for about two months and the data obtained were used to validate the groundwater flow model. Computer simulations were conducted to predict the effects of producing bank filtrate using MODFLOW. MODPATH was also linked with the flow model to analyze particle tracking. According to the results of the model simulations and the hydrogeologlc study, long-term pumping, the minimization of drawdown and the availability of uncontaminated sell and groundwater conditions for the catchment area were all Important factors for successful bank-titrate system development.

• The Journal of Asian Finance, Economics and Business
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• v.6 no.2
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• pp.119-122
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• 2019

The study aims to investigate factors influencing business households' decision for borrowing credit: the case of commercial banks in Tra Vinh Province, VietNam. The study was conducted by collecting data from 300 business households traded at four commercial banks in Tra Vinh province (Viet Nam bank for agriculture and rural development, Tra Vinh Branch; Viet Nam jointstock commercial bank industry and trade, Tra Vinh Branch; Asia joinstock commercial bank, Tra Vinh Branch; Viet Nam jointstock commercial bank for foreign trade, Tra Vinh Branch). By the use of the Binary Logistic regression method, the research found out that the factors influencing to borrow c redit of household business's decision including: banks brand names, loan interest rates, service attitude, and loan procedures. Of those, the banks brand names and lending interest rates have the strongest impacts on borrow credit decision of business households at commerc ials banks in Tra Vinh province. Since then, the study has proposed solutions to improve access to credit of business households in commercial banks in Tra Vinh province in the coming time, such as: developing a bank brand; the development of flexible lending interest rate policies; improve service style of bank staff; at the same time, simplifying lending procedures.

• The Journal of Asian Finance, Economics and Business
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• v.7 no.8
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• pp.117-130
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• 2020

The purpose of this study is to provide benefits and ethically-rooted managerial implications based on theoretical underpinnings through an empirical study using correlation between wages, bank credit, government expenditure on economic growth, and employment via a case study in Indonesia. Besides that, managerial implications strive to provide benefits to the government regarding the importance of establishing effective and pro-development regulations to realize economic growth and employment through the efficient role of wages, bank credit, and government spending. This study uses secondary macroeconomic data from the period 2010-2019 with analysis using the correlation test with the Pearson correlation method. Out of eight hypotheses tested, two hypotheses do not have a significant correlation. The details of the statistical results obtained the following correlations: the correlation between bank credit and wages has a significant, but indirect (negative) correlation. However, the correlation between bank credit and economic growth has a direct and significant (positive) correlation. Government expenditure correlates positively with wages, but correlates negatively with bank credit. Wages are positively correlated with economic growth, but have no significant effect on employment. Finally, economic growth has a positive correlation with government expenditure, but does not have a significant correlation with employment.

• Journal of Korea Society of Digital Industry and Information Management
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• v.6 no.4
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• pp.131-142
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• 2010

Due to the development of the Internet, Internet banking that we are liberated from time and space has evolved into banking system. So modern life became comfortable. However, Dysfunction (malicious Information leakage and hacking etc.) of the Internet development has become a serious social problem. According to this, The need for security is rapidly growing. In this paper, we proposed the Internet Banking Authentication System using a dual-channel in OTP(One Time Password) authentication. This technology is that A user transfer transaction information to Bank through one Internet channel then bank transfer transaction information to user using the registered mobile phone or smart phone. If user confirm transaction information then bank request user's OTP value. User create OTP value and transfer to bank and bank authenticate them throgth the ARS. If authentication is pass then transaction permitted. Security assessment that the proposed system, the security requirement that the confidentiality and integrity, authentication, repudiation of all of the features provide a key length is longer than the current Internet banking systems, such as using encryption, the security provided by the Financial Supervisory Service Level 1 rating can be applied to more than confirmed.

• Journal of Information Technology Services
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• v.1 no.1
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• pp.141-148
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• 2002

As an optimun alternatives for the solution of recent software crisis, we have to develop component technologies so as to develop and propagate business components for various domains to industries. For the sake of development of business components, a conceptual architecture which defines a model for component assembly should be prescribed first, and a systematic specification method based on this model be defined, so we can build a system environments for making specifications and development of each component by the consistent scheme. In this study, we propose a domain architecture model for implementing the pUblic component bank as a project supported by the ministry of information and communication, discuss the conceptual model of specification for developing components of storing component bank, specification steps, specification approach for application of business domains and the development results of them.

• The Journal of Asian Finance, Economics and Business
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• v.9 no.3
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• pp.43-51
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• 2022

This paper examines the main factors affecting the bank performance under the Basel II implementation in Vietnam, a transitional economy in Asia. We pay special attention to the implementation duration of the Basel II convention and how it affects profitability. Thereby, we can evaluate the effectiveness of Basel II in the whole system according to the roadmap to 2020. We employ the panel data regression method to analyze a sample of 300 bank-year observations from 25 commercial banks during the 2008-2019 period. Our empirical findings show that the size of the bank, net interest margin, state ownership, and Basel II convention have positive effects on bank profitability. However, our empirical findings indicate that bank age and branch number negatively reduce bank performance. Finally, our results indicate that commercial banks earn extra profit from delaying the implementation of Basel II. However, commercial banks will encounter higher credit, and operational risks arising from delaying the implementation of Basel II standards. Therefore, our study contributes to the insights into the bank's management to enhance profitability, especially after implementing Basel II in a transitional economy. Finally, our study also provides policy implications for bank managers and banking supervisory to maintain the sustainable development of the banking system.

• Korea Trade Review
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• v.42 no.2
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• pp.345-367
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• 2017

A bank payment obligation(BPO) has been introduced as a new alternative instrument for trade payments based on a technology and data-driven mechanisms aimed at facilitating an electronic trading in international trade transactions. The BPO is governed by URBPO which was in effect as of July 1, 2013. The URBPO only applies to inter-bank relationships because the BPO is bank-to-bank payment obligation, not a bank-to-customer obligation. The URBPO does not cover the interaction between a bank and their customer. For this reason, the standard bank-customer guidelines on BPO agreements were required to prepare the agreements between the banks and their customers. Accordingly, the International Chamber of Commerce established "ICC Guidelines for the creation of BPO Customer Agreements" for the settlement and development of the BPO by supporting banks in creating contracts or agreements with their customers. So, This study is to review its establishment purpose and to present the implications by analyzing the ICC guidelines. This study was based on documentary research focusing mainly on the ICC Guidelines and the appendix.

• Knowledge Management Research
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• v.9 no.1
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• pp.97-116
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• 2008

The purpose of this study lies in examining how knowledge management was applied to PMI(Post Merger Integration) in bank merger. Individuals and organizations in Korea have experienced a lot of changes since the 1997 foreign exchange crisis. In such a situation, individuals came to think the only thing to rely on was personal knowledge. Since organizations had to lay off workers in order of their birth year, not based on whether or not individuals had the knowledge necessary for the organizations, they needed to have such a system that could use their explicit knowledge and even outside knowledge or customers' knowledge as IT developed by changing individuals' tacit knowledge into explicit knowledge as needed in order to continue to maintain their competitiveness and for their own development. Thus, each firm started to pitch for the introduction of knowledge management. Individuals started to store their own experience and knowledge in their homepages or blogs. It was Woori Bank, the merged bank of Hanil Bank and Commercial Bank of Korea, that introduced the knowledge management system and Shared Service Center, in which knowledge creation is available, for the first time in the banking business. Its previous name was Hanbit Bank. Hanbit Bank wanted to construct an advanced bank system, bringing in their chief information officer(CIO) from a foreign bank and introducing an IT software used in Spanish banks to adjust all banking processes to it. However, they could not help giving up the plan in the middle of the road since there was a great difference between Spain and Korea in the financial system and more than 30% of software package had to be changed. In this situation, PMI was delayed, and customer inconvenience continued, which made the integration of organizational cultures slow down. As a breakthrough in this situation, knowledge management was introduced. To integrate knowledge of two organizations in the process of PMI is an important job for all merger candidates. This study aims at presenting the successful results from using knowledge management as a means to PMI ahead of other financial institutions so they can apply them to their organizations. PMI was not achieved properly after the two banks had been merged as Hanbit, but entering the era of Woori Bank, workers were integrated under one standard organization following the organizational and knowledge integration, and knowledge management was introduced for an efficient sharing of knowledge among members. A great number of mergers have occurred up to now, but Woori Bank is the first case that used knowledge management as a means to both PMI and competitiveness enhancement. Probably it was an appropriate time when Woori Bank introduced knowledge management as it was organized. Since Hanil Bank and Commercial Bank of Korea had not introduced knowledge management until then, it could use knowledge management as a means to PMI. Using knowledge management, it could create a new organizational culture and increase competitiveness in the banking industry.

• Korean Journal of Ecology and Environment
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• v.51 no.3
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• pp.212-220
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• 2018

Ecological and ecosystem database is becoming very necessary to understand origins and relationship between human and nature and also to minimize disturbance caused by human activities. An ecological information portal can play important roles as a computing system to collect knowledge, distributed research findings and separated data from researchers. In this study, we designed and developed ecological information portal service (EcoBank 1.0) for collecting and providing ecological information for diverse classes of stakeholders. To reach the goal, we had reviewed related and comparable ecological database portals to design conceptual structure of EcoBank system including database management framework. Then, we developed some functions of ecosystem analysis for each stake-holders (researchers, general public and policy makers). As a result of this study, we successfully designed of EcoBank system covering the functions of Digital Object Identifier(DOI) publishing and data quality management process. Also, we (1) applied ecological indices for calculating biodiversity by administrative boundary for policy makers, (2) provided statistical information of econature map for general public and distribution characteristics of species for researchers. To make a successful establishment of EcoBank, we have to collect and build up related database and offer various and reliable ecological data consistently. We expect that the successful construction of EcoBank will help not only to accomplish sustainable development goals but also to raise the welfare of ecosystem in Korea.

• East Asian Economic Review
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• v.17 no.4
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• pp.385-415
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• 2013

Inter-regional free trade agreements (FTAs) - notably between Asia and Latin America - are growing in numbers and complexity. There is an absence of an agreed methodology for empirical assessments on the content of FTAs and little research. This paper proposes a framework to assess liberalization in FTAs in goods and services and new trade policy issues relating to regulatory barriers. Next, it applies this framework to studying the 22 Asia-Latin America FTAs in existence. The findings suggest that Asia-Latin American FTAs have laid the foundations for inter-regional integration by liberalizing the trade in goods and services and reducing some regulatory barriers. Deepening FTAs and adopting structural reforms will enhance Asia-Latin American integration in the future.