• The Journal of the Convergence on Culture Technology
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• v.5 no.2
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• pp.77-82
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• 2019

The purpose of this study is to analyze the relationship between the controlling shareholding ratio and the business diversification of savings banks The difference in this study is the analysis of the relationship between the controlling shareholding ratio of the savings bank and the business diversification using panel data. In this study, the semi-annual financial statements for the period 2014-2018 were used on the basis of a sample of 79 saving banks. The research model is analyzed using random effects generalized linear square (GLS) model considering the autocorrelation problem. As a result of the empirical analysis, it is estimated that the relationship between the controlling shareholding ratio of the savings bank and the business diversification is significant (+). This is the result of supporting the hedging hypothesis.

• 주택과사람들
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• s.190
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• pp.14-15
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• 2006

정부가 고령화 문제를 해결하기 위한 방편으로 역모기지론 도입을 서두르고 있다. 은행, 보험사에서 가입자가 사망할 때까지 주택을 담보로 노후 생활 자금을 지급하는 역모기지론에 대한 업계와 시장의 관심이 뜨겁다. 역모기지론이 운영되는 방식과 주택시장에 미치는 영향에 대해 알아보도록 하자.

• KOREAN POULTRY JOURNAL
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• v.13 s.143
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• pp.31-34
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• 1981

지난 8월 5일 은행집회소(명동 Y.W.C.A. 뒷편)에서는 고건 농수산부장관과 농수산부 담당관을 비롯하여 사료업계에서 다수의 인사가 참석한 가운데 조찬회가 베풀어져 사료축산업계의 현안문제에 대한 검토를 가졌다. 본지에서는 이번 대담의 중요내용을 발췌 수록키로 한다. (경어는 생략함)

• 주택과사람들
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• s.202
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• pp.6-9
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• 2007

최근 주택 문제 때문에 골치를 썩고 있는 나라는 우리나라뿐만이 아니다. 전 세계적인 부동산 붐은 저금리 기조하에 생성된 과잉 유동성이 근본적인 원인으로 인식되고 있다. 이에 따라 각국의 중앙 은행들은 금리를 점진적으로 인상함으로써 부동산 가격의 이상 급등 현상을 조절하고자 노력해왔다.

• The KIPS Transactions:PartA
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• v.9A no.3
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• pp.301-310
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• 2002

Internet has been applied to the educational field such as data search, lecture by motion picture, realtime examination. Most questions made for these remote examinations use methods of making questions randomly using fixed questions or item pools. The designed system in this paper makes questions without knowing MARK-UP language and after undergoing examinations on Web. Also it readjusts degree of difficulty automatically on the basis of the rate of correct answers. In addition, this enables learners to perform feedback learning after examinations and subsequently learners themselves to adjust their degree of difficulty and undergo reexaminations. The automatic selection system makes it easy to select questions, possible to expect average marks and number of questions made, and to prevent that questions may be made too easy or too hard. For a remote examination, as there are much possibilities of dishonesty such as examination by proxy so different types of problems are made, and problems of the rationality caused from that can be avoided.

• KDI Journal of Economic Policy
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• v.25 no.1
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• pp.99-145
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• 2003

Quasi-fiscal activities (QFAs) refer to those activities that public corporations carry out to achieve policy objectives of the government. QFAs often lead to the understatement of the government involvement in the economy and the overstatement of its financial balance, thereby lowering fiscal transparency and hiding fiscal risks. Central banks, as public corporations, perform various QFAs in many countries. I define QFAs in this case as those activities that are not directly related to the intrinsic function of central banks, whose responsibility lies in the administration of monetary policy and the provision of banking services for the government and commercial banks. In Korea, the Bank of Korea (BOK) has been an active source of QFAs. Of particular importance are the policy loans to commercial banks to promote their lending to small- and medium-sized enterprises and others. The outstanding stock of policy loans increased rapidly in the aftermath of the recent economic crisis, and stood at 7.6 trillion won (20 percent of the reserve money) at the end of 2002. Another important QFA by BOK stems from the transfer of part of its profits to the central government. The accumulated transfer during 1998-2002 amounted to 9.9 trillion won. My calculation shows that if these and other QFAs had been carried out by the government as explicit fiscal activities, the consolidated central government financial balance would have been below the actual balance by about 0.5 percent of GDP in each year since the economic crisis. It is suggested that the QFAs by BOK be reduced in coming years not only to enhance fiscal transparency but also to expand the flexibility of BOK's reserve management. Abolishing policy loans and minimizing transfers to the government would be the first step in this direction. BOK should also consider paying interest on the government deposit held in BOK.

• International Commerce and Information Review
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• v.15 no.4
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• pp.241-265
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• 2013

The purpose of this paper is to examine the Banks's Examination of Documents in the L/C Transactions. Most of all, this article deals with one of most important aspects of the law on documentary credits, namely, the compliance of documents presented with the terms and conditions of a letter of credit. In addition, the general principles of strict compliance will be considered and in the next, the requirements of specific documents such as invoices, transport documents and insurance policies. This area of letter of credit law is shaped not only by judge-made decisions but also the articles of Uniform Customs and Practice for Documentary Credits, the International Standard Banking Practice(ISBP Publication No.745) prepared by the Banking Committee of the International Chamber of Commerce as well as the position papers and opinions of the latter. Whether a document complies with the terms of a letter of credit is essentially a matter of examination and construction of the document in question against the terms of the letter of credit under which it is presented, articles of the UCP, ISBP as well as the opinions and statements of the Banking Committee. Most of all this article was focused on provisions of UCP600. Comparison with provisions of UCP500 have been drawn where appropriate.

• International Area Studies Review
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• v.18 no.3
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• pp.147-173
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• 2014

The economic growth of China, an average of 9% as an external performance, has caused lots of side effects in the country. The social issues such as income gap, especially the wide gap between the rich and poor, and regional divide are the main cause of concerns that China's economic growth is not sustainable. It prompted the Chinese government to realize that institutional regulations on CSR are not optional but required to promote the sustainable development of corporations. In 2006, CSR was addressed for the first time in China, as the government established the November 5 Plan and revised "Company Law". The government garnered social attention by introducing CSR for the first time in November 5 Plan. Also, the government established December 5 Plan in 2011 to set a key goal as 'sustainable development' and reflect concrete measures for CSR in its corporate policy. In particular, Commercial Bank has a social responsibility to establish more concrete, forceful regulations than those of general corporations, as a financial intermediary. Thus, this study is aimed at exploring how the social responsibility of Commercial Bank is reflected in the Banking Act, the issues, and legislative directions on the social responsibility of Commercial Bank in China.

• The Journal of Korean Association of Computer Education
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• v.3 no.2
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• pp.31-37
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• 2000

We developed a test bank system which dynamically adjusts to students' achievement levels. In order to dynamically calculate the student's achievement level, our system uses the question-response theory which is usually adopted to CAT. The system proposes appropriate questions depending on the students' achievement levels so that they can do self-directed and individualized learning. The system consists of pre-test, main learning, and review stages. In the pre-test stage, the intellectual level of the student is examined to determine the starting point in the main stage. In the main learning stage, individualized learning is performed. Finally, a review session is added to re-examine the questions that the student gave wrong answers. The output from the learning process of the system is not the usual test scores but the level of the student's intellectual ability which is produced through the question-response theory. The intellectual ability level index objectively measures the degree of improvement of the student's learning ability.

• Journal of The Korean Association of Information Education
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• v.4 no.2
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• pp.202-211
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• 2001

Learner-oriented education and distance education based on Information & Communication technology are educational countermeasure to various demands of Information age. Especially Web has the characteristics of providing proper environments for implementing constructivism study theory. Yet, existing web-based evaluation system is implemented by HTML and Java script so it has low interaction and imperfect educational effects. Therefore, We evaluated students' study understanding ability of real-time distance education system and analyzed evaluation results to offer useful information for level study considering individual variation. In this thesis, with these results, we designed and implemented interworking and multimedia databank system without time and space limitations on Client/Server environment.