• Asia Marketing Journal
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• v.11 no.3
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• pp.57-89
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• 2009

This study aims to shed light on the new insights on the cross-buying intentions in the banking industry and suggests an integrated model of the cross-buying intentions. Recently with globalization in the financial sector, financial companies are trying to retain current customers and attract new one by developing various financial products. In South Korea, this trend is especially apparent in the banking sector. Cross-selling of various financial products such as beneficiary certificates, bankasurance and etc. is becoming more important in retaining competitive advantage in Korean banking industry. However, there are few studies which are trying to find out the factors affecting cross-buying intentions and explain their interrelationships comprehensively. Based upon the previous studies, this study finds out the factors affecting cross-buying intentions and classifies them into two dimensions: affective and instrumental. Affective dimension includes trust, satisfaction and commitment. Instrumental dimension includes the factors such as geological convenience, one-stop convenience, professionality, and direct mail. The results from this study are as follow. All the factors in the affective dimension(trust, satisfaction and commitment) have significant impacts on cross-buying intentions. Also all the factors in the instrumental dimension(geological convenience, one-stop convenience, professionality, and DM) significantly affect cross-buying intentions. Some implications of this dissertation are as follow; First, this study identifies the antecedents of cross-buying intentions comprehensively. Second, this paper provides practical guidelines for the banks attempting to intensify cross-selling activities. Third, banks need to develop sophisticated plans which can consolidate the emotional ties with customers through positive service experiences as the affective dimension is important in influencing cross-buying intentions. Finally, regarding the instrumental dimesnion, the implications are: 1) Developing various new financial products in addition to traditional product such as deposits and installment savings for improving customer convenience, 2) Enhancing the professionality of employees by strengthening education programs on numbers of financial products, 3) Increasing cross-buying intentions through the DM.

• The Korean Journal of Financial Studies
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• v.14 no.1
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• pp.119-158
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• 2008

본 연구에서는 복합금융그룹의 부실위험을 그룹전체기반 측도로 측정하는 방법론을 비교하고 국내 복합금융그룹의 자료를 이용하여 실증분석한다. Joint Forum(2001a) 방법은 연결기준을 사용하여 그룹내 자본의 중복요소들을 상계한 후 필요자본 대비 자기자본비율을 구한다. 신BIS 규제자본 방법은 Vasicek(1987)의 점근적 단일위험 모형을 가정하여 자산의 전체기반 위험을 측정하고 연결기준을 사용하여 자본의 중복계상을 배제하여 측정한다. 개별 경제적 자본 방법은 개별 경제적 위험을 수준별로 합산하여 전체기반 경제적 자본을 빌딩블록 방식으로 합산한다. 경제적 자본 방법은 위험 측정시 겪게 되는 극단적 손실 문제와 결합분포의 비대칭성을 반영할 수 있는 방법을 측정시 포함시킬 수 있다. 국내 복합금융그룹의 자료를 이용하여 실증분석을 한 결과, 첫째, 개별 재무지표에서 복합금융그룹 소속회사들의 ROA, ROA 변동성 그리고 총자산 대비 자기자본비율이 우량한 것으로 나타났다. 특히 가장 비중이 큰 은행산업에서 위 개별 재무지표는 복합금융그룹 소속회사에서 우량하게 나타난다. 둘째, 그룹전체기반 위험자본 측도로서 필요자본 대비 자기자본 비율과 연결기준 BIS비율을 살펴본 결과 은행계열 금융그룹의 부실위험이 낮은 것으로 판단된다. 전체적으로 국내 복합금융그룹의 부실위험은 높지 않은 것으로 판단된다. 이상의 결과를 바탕으로 복합금융그룹에 대한 리스크상시감시방안에의 시사점을 살펴보면, 첫째, 복합금융그룹 소속 금융회사에 대한 리스크 평가시 그룹전체기반 부실위험평가를 반영하여 이를 측정할 필요가 있다. 둘째, 권역별로 통일된 리스크감시를 위해 권역별 자기자본규제의 형평성을 제고할 필요가 있다.

• Annual Conference on Human and Language Technology
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• 2018.10a
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• pp.487-492
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• 2018

4차산업 혁명의 여파로 국내에서는 다양한 분야에 인공지능과 빅데이터 기술을 활용하여 이전에 시행 중인 다양한 서비스 분야에 기술적 접목과 보완을 시도하고 있다. 특히 금융권에서 자금을 빌린 기업들을 대상으로 여신 안정성을 확보하고 선제적인 대응을 위해 온라인 뉴스기사들과 SNS 데이터 등을 이용하여 부실가능성을 예측하고 실제 업무에 도입하려는 시도들이 국내 주요 은행들을 중심으로 활발히 진행 중이다. 우리는 국내의 국책은행에서 수행한 비정형 데이터 기반의 기업의 부실징후 예측 시스템 개발 과정에서 시도된 다양한 분석 방법과 결과 그리고 과정 중에 발생한 문제점들에 관해 기술하고 관련 이슈들에 관하여 다룬다. 결과적으로 본 논문은 레이블이 없는 대량의 기사들에 레이블을 달기 위한 자동 태거(tagger) 개발과 뉴스 기사 예측 결과로부터 부실 가능성을 예측하기 위한 모델 및 성능 면에서 기사 예측 정확도 92%(AUC 0.96) 및 부실 가능성 기업 예측에서도 정형 데이터 분석결과에 견줄만한 성과를 이루었고 이에 관해 보고한다.

• Annual Conference of KIPS
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• 2010.11a
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• pp.1225-1228
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• 2010

최근 인터넷 뱅킹이 주요 국가들의 은행 거래 서비스에서 많은 비중을 차지하고 있다. 보안이 중요한 인터넷 뱅킹 분야에서 국내와 해외의 보안 방식을 비교하여 도출된 시사점을 적용한다면 더 안전한 시스템 설계에 바탕이 될 것이다. 따라서 본 논문에서는 국내와 해외의 인터넷 뱅킹 보안의 특징과 그 진행 과정을 살펴보았다. SSL/TLS(Secure Socket Layer/Transport Layer Security) 기술을 사용하는 외국 인터넷 뱅킹에 비해 공인인증서 체계를 채택한 국내 인터넷 뱅킹은 웹 브라우저에서 지원하지 않는 암호 알고리즘을 사용하기 위한 플러그인을 설치함으로써 사용자가 불편을 느끼며, 또한 이런 플러그인 때문에 인터넷 뱅킹을 이용할 수 있는 웹 브라우저의 종류가 제한된다. 마지막으로 이러한 플러그인을 은행 별로 서비스하기 위한 별도의 비용이 추가된다. 이런 문제점들을 해결하여 더 나은 인터넷 뱅킹 시스템을 구축하기 위해서는 면밀한 검증과 제도적 지원이 필요하다.

• Journal of Korean Society of Forest Science
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• v.106 no.4
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• pp.408-416
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• 2017

This study describes DNA fingerprinting analysis of twenty-three natural monument individuals of Ginkgo biloba using eight microsatellite markers. The average number of observed alleles was 6.875, and the expected heterozygosity and the observed heterozygosity were 0.711 and 0.710, respectively. This results were similar to those of the previous studies on Ginkgo trees analyzed by same markers in China and Japan. PIC value and PD were calculated at 0.677 and 0.9999 respectively, indicating a high individual identification efficiency. In fact, all of the natural monument ginkgo trees and additionally analyzed thirteen general ginkgo tress were identified by genotype comparison. PI and PD calculated in three markers (Ging06, Gb60, Gb61) with the highest PIC values calculated in natural monument ginkgo trees were $8.045{\times}10^{-5}$ and 99.99%, respectively. Thus, these three markers could be preferentially used in DNA fingerprinting for identifying ginkgo tree individuals. The results in this study will be useful for management of natural monument ginkgo trees, proliferation of their progeny and genetic identification of individuals selected in breeding process.

• The Korean Journal of Applied Statistics
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• v.27 no.4
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• pp.577-588
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• 2014

The collection and storage of a large volumes of data are becoming easier; however, the number of variables is sometimes more than the number of samples(objects). We now face the problem of dependency among variables(such as multicollinearity) due to the increased number of variables. We cannot apply various statistical methods without satisfying independency assumption. In order to overcome such a drawback we consider a categorizing (or discretizing) observations. We have a data set of nancial indices from banks in Korea that contain 78 variables from 16 banks. Genetic sequence data is also a good example of a large data and there have been numerous statistical methods to handle it. We discover lots of useful bank information after we transform bank data into categorical data that resembles genetic sequence data and apply bioinformatic techniques.

• International Commerce and Information Review
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• v.16 no.3
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• pp.97-119
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• 2014

This study measures the efficiency of intellectual capital of Korea's banks, financial investment companies, and insurance companies using the Value Added Intellectual Coefficient (VAICTM) model, which was developed by A. Pulic and investigates into the relationship of each of VAIC's elements - efficiency of human, structural, and material capital -with business performance of the institution. we found, first, average VAIC and human capital efficiency(HCE) of Korean financial institutions during 2001 - 2012 were highest among banks, followed by insurance companies and securities firm. Secondly, in general, banks in advanced countries tend to have higher HCE and VAIC compared with the banks of developing countries. Thirdly, Korean financial institutions' HCE and VAIC are lower than those of Australia and even Taiwan and Thailand and have been on the decrease in recent years. This suggests that Korean financial institutions should enhance VAIC and HCE to build-up the international competitiveness.

• Journal of the Korea Society of Computer and Information
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• v.4 no.3
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• pp.107-113
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• 1999

Banking and financial areas are facing on social upheavals by a rapidly advanced Open Network such as Internet, and the crest of a digital boom in the economic side for the 21th century. Electronic banking services has been remarkably changed from the Closed Network into the Open Network which is motivated by the low-cost internet services. This Open Network leads clients to choose banks that offer the best services and goods on the basis of the internet market. Therefore, capability of coping with clients' needs will be rising as one of the main strategies for competitive internet banking system in the near future. For this reason this thesis focuses on issues for banking services that internet influences, internet banking strategy of a developed bank, and expanding services and goods marketing through the internet.

• Journal of Digital Convergence
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• v.16 no.2
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• pp.157-167
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• 2018

Internet only banking has been spreading rapidly since it was first introduced in Korea since 2017, but issues regarding its limitations continuously are rising. In this research, consumers' intention to switch have been empirically demonstrated toward the internet banking by applying the PPM theory. To achieve a purpose of the research, survey targeting total 132 person who have experiences of using KaKaobank have been implemented by using Smart PLS 3.0. In conclusion, it has been verified that the push and full effect have a positive effect on the consumers' intention to switch main bank and the degree of usage of KaKaobank have significantly influences on relation between mooring factor and consumers' intention to switch main bank. Through this study, the scope of the PPM theory applied in previous researches regarding consumer's service transition shall be extended to Fintech service and practically it provides implications for establishing a strategy to enter the Internet only bank market.

• KDI Journal of Economic Policy
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• v.26 no.2
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• pp.209-247
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• 2004

Although various publicly reserved funds have recently come to the fore of academic and policy-making attention in Korea, researchers rarely take up the issue of the reserve fund retained from annual profits by the central bank (i.e., the Bank of Korea). Starting with the general public choice premise that bureaucrats seek to maximize their discretionary budget, this paper first provides a theoretical reasoning why central bank's bureaucrats would prefer retaining annual profits to turning them to the Treasury. The major tenet to be emphasized is that retained profits as a reserve fund can give the central bankers discretionary power in their disposition. In particular, we focus on the close relationship between the reserve fund and the discount windows. The latter, as a monetary instrument, has traditionally been demonstrated to cause secrecy, arbitrariness, and other bureaucratic amenities in the previous literature. Subsequently, this paper, based on 61 countries data, empirically verifies that the central bank's reserve fund is at least partially used to additionally increase the discount windows. Since an excessive use of discount windows results in inflationary bias, we conclude the paper with some policy suggestions to have such bureaucratic power of discretion in check. This paper, if in its experimental nature yet, is expected to shed a critical implication for establishing the meaningful independence of the central bank to a host of countries.