• Title/Summary/Keyword: 마진

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Deposit Margin Strategy of Banks and Saving Banks due to Changes in the Base Rate (기준금리 변동에 따른 은행과 저축은행의 예대마진 전략)

  • Kim, Dowan
    • Journal of Information Technology Applications and Management
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    • v.29 no.2
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    • pp.39-50
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    • 2022
  • This research confirmed whether banks and saving banks increase their deposit margin under changes in the base rate. This paper has conclusions as follows. First, when the Bank of Korea changes the base rate, deposit rate variable are significant with panel analysis in the total data set and saving banks. This result implies that changes in the base rate affect deposit margin. Second, this study confirmed whether banks and saving banks maximize their deposit margin as base rate changes. As a result, when the Bank of Korea cut the base rate, the deposit margins of banks and saving banks decreased significantly. Still, their deposit margins are not statistically significant in the opposite situation. Therefore, this paper could not find evidence that banks and saving banks behave to maximize their deposit margin. Maybe, this phenomenon can appear because these financial institutions recognize this criticism.

Design of Multi-agent system based on the P2P Networks using Query Rewriting (P2P 네트워크 기반의 Query Rewriting을 이용한 멀티 에이전트 시스템 설계)

  • Ma, Jin;Moon, Seok-Jae;Jung, Gye-Dong;Choi, Young-Keun
    • Proceedings of the Korea Information Processing Society Conference
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    • 2010.11a
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    • pp.1780-1783
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    • 2010
  • 본 논문은 P2P기반의 Query Rewriting을 이용한 멀티 에이전트 시스템을 제안하였다. 제안된 시스템은 Query Rewriting을 이용해 P2P의 이기종간 데이터 의미충돌 문제에 초점을 맞춰 데이터 상호 운용성을 높였다. 그리고 메타데이터 표현에 대한 매커니즘과 P2P 온톨로지 매핑, 그리고 질의응답에 대한 기법을 제시하였다. 또한 MSO(Meta Semantic Ontology)에 매핑을 표현 하기위해 Map을 이용하였고, 로컬 데이터 소스의 이질성을 고려한 Query Rewriting 기법을 제시하였다.

Design and Implementation of XMDR based on OGSA-DAI System for Data Integration retrieval (데이터 통합검색을 위한 XMDR기반의 OGSA-DAI 시스템 설계 및 구현)

  • Ma, Jin;Moon, Seok-Jae;Jung, Gye-Dong;Choi, Young-Keun
    • Proceedings of the Korea Information Processing Society Conference
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    • 2009.11a
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    • pp.173-174
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    • 2009
  • 기업이 관리하고 있는 중요한 정보자원들은 대부분이 여러 레거시 시스템에 분산 저장되어 있다. 그리고 저장되어 있는 정보 자원들 또한 서로 호환되지 않는 다양한 형태로 존재하고 있다. 이러한 문제를 해결하기 위해 분산된 데이터의 통합과 지식 공유를 위한 시스템이 필요하다. 데이터 통합의 목적은 기업의 조직과 주요 업무, 핵심 어플리케이션으로부터 발생하는 데이터 소스들의 표준 규칙과 메타 데이터를 이용하여 중복성을 제거하고, 오직 단일 데이터를 제공하는데 있다. 본 논문에서는 XMDR 기반의 OGSA-DAI를 이용하여 통합 검색 시스템을 설계 및 구현하였고, 분산되어 있는 레거시 시스템간의 데이터 통합검색이 가능한 시스템을 제안한다. 제안한 시스템은 분산된 레거시 데이터베이스간의 협업 환경 구성에 적합하며, 실시간 기업환경에서 빠른 정보 전달과 업무 지원 환경에 적절한 시스템이다.

A Case Study on Application of the Menu Engineering Technique in Government Offices Contract Foodservice (관공서급식소의 메뉴엔지니어링기법을 적용한 메뉴분석 사례연구)

  • Rho, Sung-Yoon
    • Journal of Nutrition and Health
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    • v.42 no.1
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    • pp.78-96
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    • 2009
  • The purpose of this study was to analyze and evaluate the menu served in government offices foodservice by using Kasavana & Smith's Menu-Engineering. Sales and food costs were collected from the daily sales reports for a year from Jan 2 to Dec 31 in 2007. Calculation for menu analysis and customer's data were done by computer using the MS 2003 Excel spreadsheet program and SPSS 12.0 package program. Menu mix% (MM%) and unit contribution margin were used as variables by Kasavana & Smith. Four possible classifications by Menu-Engineering technique were turned out as 'STAR', 'PLOWHORSE', 'PUZZLE', 'DOG'. The main menus served during a year were 128 dishes and about 141 peoples visited this restaurant daily. The mean age of the men was $44.1\;{\pm}\;6.3$, women were $32.7\;{\pm}\;6.4$ and showed that was statistically higher than that of women (p < .0001). The rates of STAR menus were 'Western style (75.0%)', 'guk/tang-ryu (48.1%)', 'jjigae/ jeongol-ryu (23.1%)', 'bap-ryu (17.2%)' in sequence. There were no STAR menus in gui/jorim/jjim-ryu. PLOWHORSE menus were 'gui-ryu (75.0%)', 'guk/tang-ryu (29.6%)', 'bap-ryu (27.6%)' in sequence. There were no PUZZLE or DOG menus in 'jjigae/jeongol-ryu'. PUZZLE menus were 'jorim/jjim-ryu and Myeonryu (each 33.3%)', 'bap-ryu (31.0%)' in sequence. PUZZLE menus were a lots of 'Chinese food (75.0%)' and 'myeonryu (55.6%)'. This study provides the basic data based on regularly menu analysis method applied the scientific menu analysis techniques in government offices food services, I'd like to suggest that the menu management must be done based on the necessity and result of menu analysis according to the seasonal and middle, long-term plans.

A Study on Calculation of Protection Ratio for Frequency Coordination in Microwave Relay System Networks (M/W 중계 시스템 망의 주파수 조정을 위한 보호비 계산에 대한 연구)

  • Suh Kyoung-Whoan
    • The Journal of Korean Institute of Electromagnetic Engineering and Science
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    • v.17 no.2 s.105
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    • pp.139-147
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    • 2006
  • This paper suggests an efficient method of protection ratio calculation and shows some results applicable to frequency coordination in microwave(M/W) relay system networks, and the net filter discrimination(NFD) associated with Tx spectrum mask and overall Rx filter characteristics has been examined to obtain the adjacent channel protection ratio. The protection ratio comprises several factors such as C/N of modulation scheme, noise-to-interference ratio, multiple interference allowance, fade margins of multi-path and rain attenuation, and NFD. According to computed results for 6.7 GHz, 64-QAM, and 60 km at BER $10^{-6}$, fade margin and co-channel protection ratio are 41.1 and 75.2 dB, respectively. NFD for channel bandwidth of 40 MHz reveals 28.9 dB at the first adjacent channel, which results in adjacent channel protection ratio of 46.3 dB. In addition, NFD and protection ratio for different systems with channel bandwidth 20 and 40 MHz have been investigated to be used for actual M/W networks. The proposed method provides some merits of an easy calculation, systematic extension, and applying the same concept to frequency coordination in millimeter wave relay system networks.

A Study on the Fault Analysis of the Voltage Controller for the Combat Vehicle Generator (전투차량 발전기용 전압조정기 내열성 향상을 위한 고장분석 연구)

  • Ryu, Jeong-Min;Lee, Yong-Jun;Son, Kwonil
    • Journal of the Korea Academia-Industrial cooperation Society
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    • v.20 no.11
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    • pp.386-393
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    • 2019
  • In this study, we investigated the cause of a voltage controller failure that occurred in the operation of a combat vehicle and attempted to establish a solution for the failure. The failure in the voltage controller was found to be related to thermal resistance, which could be identified by disassembly analysis and a high temperature operation test. Especially, in the disassembly analysis, there was damage caused by high temperature such as soot on the molding material and cracking of the resisters. In addition, in the high temperature operation test, the test results show that the internal temperature of the voltage controller was relatively higher than the external temperature. This means that the voltage controller failure could be attributed to the excessive heat and insufficient thermal resistance. In order to improve the thermal resistance of the voltage controller, several designs with changing circuits and structures were devised. Improvement of thermal resistance was verified by measuring reduction of internal temperatures in the high temperature comparison test.

What Happened to Efficiency and Competition after Bank Mergers and Consolidation in Korea? (한국 은행들의 합병, 통합 이후 효율성과 경쟁도는 개선되었는가?)

  • Park, Kang H.
    • KDI Journal of Economic Policy
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    • v.33 no.3
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    • pp.33-55
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    • 2011
  • Market concentration in the Korean banking industry has markedly increased since the financial crisis of 1997-1998 because of M&As, P&As, and consolidation of banks. With this change, there has been a growing concern over market power in the Korean banking sector. We examine the effects of market concentration on bank efficiency and competition for the period of 1992-2006. Three different indicators of bank inefficiency are used in this study, including X-inefficiency that is derived from the directional technology distance function. The level of competition is measured by both the H-statistic of the Panzar-Rosse model and the level of the net interest margin and its standard deviation. Empirical results indicate that market concentration has not improved bank efficiency through scale economies or scope economies. Instead, recent mergers, acquisitions and consolidation of banks resulted in an increase in inefficiency measured by the three different indicators: X-inefficiency, labor inefficiency and asset inefficiency. While an increase in market share of individual banks improved bank efficiency, an increase in the overall market concentration ratio resulted in lower efficiency. Our study also finds that the Korean banking sector has been monopolistically competitive throughout the sample period except for the crisis period according to the H-statistic. Although an increase in market concentration ratio has not changed the overall level of bank competition, it has a positive significant effect on the level of the average interest margin.

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High Noise Margin LVDS I/O Circuits for Highly Parallel I/O Environments (다수의 병렬 입.출력 환경을 위한 높은 노이즈 마진을 갖는 LVDS I/O 회로)

  • Kim, Dong-Gu;Kim, Sam-Dong;Hwang, In-Seok
    • Journal of the Institute of Electronics Engineers of Korea SC
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    • v.44 no.1
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    • pp.85-93
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    • 2007
  • This paper presents new LVDS I/O circuits with a high noise margin for use in highly parallel I/O environments. The proposed LVDS I/O includes transmitter and receiver parts. The transmitter circuits consist of a differential phase splitter and a output stage with common mode feedback(CMFB). The differential phase splitter generates a pair of differential signals which have a balanced duty cycle and $180^{\circ}$ phase difference over a wide supply voltage variation due to SSO(simultaneous switching output) noises. The CMFB output stage produces the required constant output current and maintains the required VCM(common mode voltage) within ${\pm}$0.1V tolerance without external circuits in a SSO environment. The proposed receiver circuits in this paper utilizes a three-stage structure(single-ended differential amp., common source amp., output stage) to accurately receive high-speed signals. The receiver part employs a very wide common mode input range differential amplifier(VCDA). As a result, the receiver improves the immunities for the common mode noise and for the supply voltage difference, represented by Vgdp, between the transmitter and receiver sides. Also, the receiver produces a rail-to-rail, full swing output voltage with a balanced duty cycle(50% ${\pm}$ 3%) without external circuits in a SSO environment, which enables correct data recovery. The proposed LVDS I/O circuits have been designed and simulated with 0.18um TSMC library using H-SPICE.

A CMOS 16:1 Binary-Tree Multiplexer applying Delay Compensation Techniques (딜레이 보상 기법을 적용한 바이너리-트리 구조의 CMOS 16:1 멀티플렉서)

  • Shon, Kwan-Su;Kim, Gil-Su;Kim, Kyu-Young;Kim, Soo-Won
    • Journal of the Institute of Electronics Engineers of Korea SD
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    • v.45 no.2
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    • pp.21-27
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    • 2008
  • This paper describes a CMOS 16:1 binary-tree multiplexer(MUX) using $0.18-{\mu}m$ technology. To provide immunity for wide frequency range and process-and-temperature variations, the MUX adopts several delay compensation techniques. Simulation results show that the proposed MUX maintains the setup margins and hold margins close to the optimal value, i.e., 0.5UI, in wide frequency-range and in wide process-and-temperature variations, with standard deviation of 0.05UI approximately. These results represent that these proposed delay compensations are effective and the reliability is much improved although CMOS logic circuits are sensitive to those variations. The MUX is fabricated using $0.18-{\mu}m$ CMOS process, and tested with a test board. At power supply voltage of 1.8-V, maximum data-rate and area of the MUX is 1.65-Gb/s and 0.858 $mm^2$, respectively. The MUX dissipates a power of 24.12 mW, and output eye opening is 272.53 mV, 266.55 ps at 1.65-Gb/s operation.

The Reduction Method for Radiated EMI in USB Power Line of Cable (USB 케이블의 전원선 에서의 방사성 EMI 개선)

  • Park, Kyoung-Jin;Lee, Dae-Woo;Ko, Yong-Mok;Gang, Eun-Gyun;Park, Jong-Hyun;Kim, Keun-Yong;Ra, Keuk-Whan
    • Journal of the Institute of Electronics and Information Engineers
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    • v.50 no.9
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    • pp.201-208
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    • 2013
  • In this paper, we studied on improvement for radiated EMI of USB power line of cable. it is made by using wireless video access point system for confirming the phenomenon of radiated EMI from cable. then, we make sure that the limit exceed through the initial measurement of radiated EMI limit criteria in comparison to about 3 [dBuV/m]~15 [dBuV/m]. after that we confirmed the resonance in power line of cable through measurement of s-parameters. so, we confirmed the relation radiated EMI and power line of cable resonance and we reduced radiated EMI in power line of cable through a capacitor and low pass-band filter using the technique of power networks management. in conclusion, we suggested how to reduce power line of cable resonance applied for the improved method. and we confirmed that suggested reduction method is suitable through testing radiated EMI. the result of radiated EMI reduction limit criteria 40[dBuV/m]~47[dBuV/m] in comparison to about 3 [dBuV/m]~20 [dBuV/m].