• KDI Journal of Economic Policy
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• 제43권3호
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• pp.1-32
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• 2021

With CB data in South Korea, this study examines whether the credit risk of borrowers changes when the regulation on bank mortgage supply is relaxed. We analyze the effect of deregulation on LTV and DTI limits in the Seoul-metropolitan area in August 2014 with a difference-in-difference approach. We find that the probability of delinquency is lower in the Seoul metropolitan area after the deregulation than in other urban areas. The effect is noticeable among low-income and low-credit borrowers. We also find that borrowers change their debt structure to reduce the interest costs utilizing their improved access to bank mortgages. The findings suggest the necessity to consider the burden of the high interest costs of unsecured loans for debtors with low incomes and low credit ratings in designing housing finance regulations.

• The Journal of Asian Finance, Economics and Business
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• 제4권3호
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• pp.19-26
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• 2017

Banks play a crucial role in bringing stability and economic development through their expected contribution in proper financial resource mobilisation across the economy. Despite the importance, there is little focus in recent literature which provided the empirical evidence how the global financial crisis affect the bank efficiency in Bangladesh. Thus, this paper aims to examine the effect of the global financial crisis and other factors on the efficiency of Bangladesh commercial banks. By employing the Data Envelopment Analysis (DEA) method, we computed the technical efficiency of individual banks operating in the Bangladesh banking sector during 2000 to 2013. The empirical findings indicate that the Bangladesh banking sector has exhibited the highest efficiency level during 2001, while efficiency seems to be at the lowest level during 2010. The study finds that crisis along with bank size, capital adequacy ratio, return on average equity and real interest rate have a significant effect on bank efficiency in Bangladesh. In order to keep the sound financial development of Bangladesh, banks operating in the Bangladesh banking sector have to consider all the potential technologies which could improve their profit efficiency levels, since the main motive of banks is to maximise shareholders' value or wealth through profit maximisation.

• The Journal of Asian Finance, Economics and Business
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• 제9권6호
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• pp.373-380
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• 2022

Today, customer satisfaction is the most important issue for Vietnamese banks. There are numerous factors that influence bank customers' satisfaction. The study investigates the factors that influence customer satisfaction with deposit services at the Vietnam Bank for Agriculture and Rural Development (Agribank) in Bac Giang province, Vietnam, and analyses the impact of each component. The authors used 5-point Likert scales to assess whether elements were related to the factors determining consumer satisfaction with Agribank's deposit service. To perform this study, exploratory factor analysis (EFA) and multiple regression were used to find factors determining customer satisfaction with Agribank services. Customers that use deposit services at Agribank in Bac Giang province, Vietnam, provided samples of 300 survey questionnaires for this study. SPSS software is used to examine the data. Customers' satisfaction with Agribank's deposit service is influenced by six factors, including reliability, responsiveness, service capabilities, empathy, tangible means, and service price, according to the study. This finding also offers some recommendations for improving service quality in local Vietnamese banks to gain a competitive advantage.

• KDI Journal of Economic Policy
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• 제38권1호
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• pp.53-70
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• 2016

This paper examines market concentration and its effect on competition in the Chinese commercial banking market. This study also investigates how changes in competition have affected the financial stability of Chinese commercial banks. To test the competitive conditions, we obtained the H statistic of the Panzar-Rosse model from a revenue function equation. The degree of financial stability is estimated by the Z-score formula. The Chinese banking industry has become an increasingly less concentrated market with an increased number of banks. Along with a decreased market concentration, competition in the Chinese banking industry has improved moderately. However, its market structure is still far from a competitive market. An individual bank's ability to earn higher markup or charge a higher net interest margin contributes to its financial soundness, although a higher degree of market concentration may have negative effect on the financial stability of the entire banking system.

• 한국지구물리탐사학회:학술대회논문집
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• 한국지구물리탐사학회 2008년도 공동학술대회
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• pp.27-32
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• 2008

Mariana 해령 후열도 분지내에 위치하고 있는 Esmeralda Bank의 지형 및 자력 특성을 연구하고 열수분출대의 위치를 추정하기 위하여 2007년 9월에 한국해양연구원 온누리호를 이용하여 획득한 정밀해저지형자료 및 해상자력탐사자료를 함께 분석하였다. Esmeralda Bank의 전체적인 모양은 서쪽 방향이 열린 칼데라의 형태를 띠고 있다. Esmeralda Bank의 정상부의 수심은 약 50 m로 매우 얕고 기저부의 수심은 약 1300m이다. Esmeralda Bank의 서쪽부분은 동쪽부분보다 경사가 더 급하고 지형의 기복이 심하게 나타나며, Bank 생성 후 무너져 내렸거나 침식에 의해 형성된 것으로 보이는 계곡이 관찰된다. Esmeralda Bank의 자기이상분포는 두 지역 모두 북쪽에 저이상이 나타나고 남쪽에 고이상이 분포하며 정상부에서는 급격한 자기변화를 보이고 수심이 깊은 기저부에서는 완만한 자기변화가 나타난다. Esmeralda Bank는 정상부와 서쪽에 저자화이상대가 분포하고 있다. Esmeralda Bank 정상부의 저자화 이상대에서 열수분출대가 존재할 가능성이 있다.

• Natural Product Sciences
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• 제19권1호
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• pp.1-7
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• 2013

AMP-activated protein kinase (AMPK) is a major cellular energy sensor and master regulator of metabolic homeostasis. On activation, this cellular fuel sensing enzyme induces a series of metabolic changes to balance energy consumption via multiple downstream signaling pathways controlling nutrient uptake and energy metabolism. This pivotal role of AMPK has led to the development of numerous AMPK activators which might be used as novel drug candidates in the treatment of AMPK related disorders, diabetes, obesity, and other metabolic diseases. Consequently, a number of patents have been published on AMPK activators from natural products and other sources. This review covers the patented AMPK activators from natural products and their therapeutic potential in treatment or prevention of metabolic diseases including diabetes and obesity.

• 한국콘텐츠학회논문지
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• 제5권6호
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• pp.351-359
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• 2005

최근 IT 분야에서 관심사는 유비쿼터스 기술의 도입을 통해 사회, 경제전반의 효율화를 추구하기 위한 연구가 활발하게 진행되고 있다. 이 가운데 본 연구에서는 서비스 분야의 하나인 금융기관의 고객 서비스 지원기술 개발과 관련해서 e-CRM에 신기술 개념인 유비쿼터스 기술 접목을 통해 on-line상에서 진행되어 오던 고객 서비스를 효과적으로 지원하기 위한 기술개발 개념을 제시하고자 한다.

• 대한안전경영과학회지
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• 제14권1호
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• pp.95-100
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• 2012

This study is about the qualitative safety assessment for hydrogen gas filling facilities in Korea operating with one-bank type. The purpose of this safety assessment is about the development of components for design, fabrication, assembly, operability of dispenser and systems of the safety. For the qualitative safety assessment method, the study used FMEA(failure mode & effect analysis) and HAZOP(hazard & operability). This study evaluated the safety through FMEA and HAZOP then by referring to P&ID and PFD of hydrogen dispenser, thereby examining the dangerousness of the equipments, defects of the structure and problems of the operation.

• The Plant Pathology Journal
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• 제22권4호
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• pp.334-338
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• 2006

Chrysanthemum chlorotic mottle viroid(CChMVd) isolates have been identified from chrysanthemum showing yellow spots or infected without symptom. They were 399-400 nucleotides length of RNA. CChMVd-SSHA6(GenBank accession no. DQ450682) revealed a GAAA to DUUC substitution in positions 82-85 of CChMVd-MSIN34(GenBank accession no. DQ402041). In vitro RNA transcripts with the complete CChMVd sequence were infectious and induced the typical CChMVd infection symptom of yellow spots in chrysanthemum cv. Sharotte. CChMVd caused reduction in growth in some cultivars, whereas some cultivars were not affected. This is the first report on the occurrence of CChMVd in chrysanthemum in Korea.

• 대한전기학회:학술대회논문집
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• 대한전기학회 1989년도 추계학술대회 논문집 학회본부
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• pp.216-219
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• 1989

Over the last decade or so, there has been an increase in activity devoted to the development of renewable resources for generating electric energy. Many of these generators are small and can only be economically connected to the distribution system or to ths subtransmission system. Those which involve storage, a secondary source of energy, can provide a means to achieve more efficient use of existing generating plant. Such systems are known collectively as Dispersed Storage and Generation devices, or DSGs. So, in this paper, for uninterruptable service in one bank outage in 154/22.9KV substation, the proper capacity of DSGs is examined through the configuration and the reliability.