• The Journal of the Convergence on Culture Technology
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• v.8 no.2
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• pp.47-52
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• 2022

The purpose of this study is to identify the risk level of Chinese commercial banks' loan assets and to analyze what factors affect the stability of Chinese commercial banks. In addition, Chinese commercial banks are classified based on the asset size of 200 billion yuan, and the difference in stability according to size is investigated. The analysis results are as follows. First, it was estimated that as the proportion of household and corporate loans of commercial banks in China increased, the stability of banks decreased. Although the Chinese financial authorities are currently restricting the conservative management of loan assets, it will be necessary to preemptively manage risk on loan assets by setting an appropriate standard for loan-to-deposit ratio in the future. Second, as a result of analyzing the stability of large banks based on 200 billion yuan of bank assets, it was estimated that the stability of large banks was lower. As large banks are likely to conduct aggressive loan asset management, continuous management of non-performing assets is required in the future. This study will serve as a measure for improving the stability of commercial banks in China by estimating the effect of loan asset management of Chinese commercial banks on financial stability. In particular, by examining the stability of large banks, a strategy for sustainable development of the financial industry is required by diagnosing the weaknesses of large banks.

• Life and Agrochemicals
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• v.29 no.10
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• pp.14-17
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• 2008

일반에게 공정한 입장에서 소비자와 커뮤니케이션을 실행하는 수단으로서 "일본농약학회, 지방자치단체, 내각부 식품안전위원회나 농림수산성, 후생노동성 등의 공적기관, 농약공업회나 전국농약협동조합 등 임의단체, 전국농업협동조합이나 전국 판매상 등의 유통업자 등이 실시하는 농약의 안전 사용자 안전 등에 관한 세미나 강습회, 소비자의 간담회", "학회나 농약연구자, 과학리더에 의한 계몽서의 출판, 학회나 업자 단체에 의한 Q&A집의 학회지 게재나 배포". "각종 학회나 공적기관의 홈페이지 계몽 해설문제의 게재", "농약제조 메이커나 임의단체에 의한 인터넷을 통한 메일 잡지 배송", "신문(전국지)를 매개로 한 홍보활동" 등을 들 수 있다. 최근에는 대학에 있어서도 일반사회인(소비자 포함)을 대상으로 한 농약이나 각종 화학물질의 안전성에 관한 공개강좌가 개설되어 있다. 한편 공정한 입장서 농약에 대해서 올바르게 전달한다는 개념에서 출발하지만, 결국엔 상업적 측면이 강한 "재미있고 우습게, 농약이 가지는 잠재적 위험성을 일부러 강조하고, 때로는 과학적 사실과 다른 내용을 의도적 또는 비의도적으로 전달하여 시청자나 독자의 관심을 끌어 시청률이나 발행부수를 신장시키는 것을 목적으로 하는 각종 매스컴으로부터의 막대한 양의 정보발신(모든 매스컴이 해당하는 것은 아님)이 있다. 더욱이 인터넷 사이트에는 종교적 측면이 강한 단체를 포함, 농약의 위험성을 강조하는 일이 있으며 온갖 정보가 넘쳐나고 있다. 물론 공적기관을 포함, 농약의 유용성과 잠재적 위험성에 대하여 공정하고 객관적 입장에서 인터넷을 소개한 정보 발신도 행해지고 있다. "농약은 나쁘고 위험하다"라는 정보로는 센세이셔날 한 상품가치(매스컴측의 보도 메리트)가 있지만 "농약은 안전하고 문제없다"로는 상품가치가 없다고 하는 상업 저널리즘을 드러낸다. "양적으로 압도적인 매스컴 보도"를 뛰어넘어 소비자에게 올바른 정보를 전달, 이해시키는 것은 가능하지 않을까. 다음으로 농약에 관한 리스크커뮤니케이션 수법에 대한 유의점과 과제를 기술한다.

• 한국신재생에너지학회:학술대회논문집
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• 2006.06a
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• pp.292-295
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• 2006

2005년 말 현재, 국내의 상업운전 중인 풍력발전기는 93.5MW(KPX 2005)에 불과하여 민간의 풍력에너지 개발 참여를 위한 사업타당성 조사에서 상업운전에 이르는 풍력발전단지 개발절차에 대한 사례 연구가 미비하다. 최근 신재생에너지 보급을 위한 정부의 강력한 의지와 맞물려 민간의 대규모 풍력발전단지 개발 계획이 속속 진행되고 있는 여건에서, 국내 최초의 대단위 상업용 풍력발전단지인 영덕풍력발전의 개발 및 운영사례를 통해 국내 풍력발전단지 개발 시 고려사항과 발생 가능한 문제점 및 해결방안을 제시한다.

• The Journal of the Convergence on Culture Technology
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• v.9 no.1
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• pp.89-94
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• 2023

Recently, credit risk in the Chinese corporate bond market has increased significantly, and there is a possibility that banks that have invested in corporate bonds may become insolvent. The purpose of this study is to empirically analyze the effect of Chinese commercial banks' investment in securities on financial performance. The analysis results are as follows. First, it is estimated that as the share of securities investment by Chinese commercial banks increases, the bank's profitability decreases. It was found that investment in securities did not have a positive impact on profitability due to the increase in credit risk in the corporate bond market and the increase in marginal companies. Second, it is estimated that as the proportion of securities investment by Chinese commercial banks increases, the bank's soundness deteriorates. As credit risk in China's capital market is increasing, continuous management of non-performing assets is required. Chinese commercial banks need portfolio management through securities investment in addition to loan assets to improve profitability. However, volatility should be managed by adjusting the scale of securities management to an appropriate level.

• Korea Trade Review
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• v.43 no.5
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• pp.1-23
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• 2018

Forfaiting is a trade finance facility whereby financial institution purchases accounts receivable from exporters on a without recourse basis to resolve exporters' credit risk. Since the effectuation of Uniform Rules for Forfaiting(URF 800), exporting companies have been interested in forfaiting and foreign exchange banks in South Korea have expanded products related to forfaiting. However, the risk management for dealing with forfaiting needs improvement. In this paper, we will compare current forfaiting risk managements between foreign exchange banks and foreign banks in South Korea by studying the agreements for each bank and standard forfaiting agreements of the ICC. There is a significant gap for risks covered and points of reserve(points of recourse) between each bank. This work suggests the need for unification for these gaps in order to enhance risk management for exporting companies and foreign exchange banks in South Korea.

• THE INTERNATIONAL COMMERCE & LAW REVIEW
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• v.61
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• pp.273-302
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• 2014

Project finance ("PF") is a method of raising long-term debt financing based on lending against the cash flow generated by the project alone. Project finance is a nonrecourse or limited recourse financing structure against the sponsors(or the investors). The debt terms in a project finance are not based on the creditor's credit support or on the value of the assets of the project. Lenders rely on the future cash flow to be generated by the project for debt repayment and interest, rather than the value of the project or the credit ratings of the sponsors. The non-recourse or limited recourse financing usually prompt potential project finance lenders to assess carefully all possible risks that might arise in a project to ensure that those risks are mitigated and controlled. In this respect, project finance is a opposite financing method of corporate finance. Project finance has rapidly grown over the last 20 years due to the worldwide process of privatization of public sector and development of natural resources. Global project finance volume reached the record USD 406.5 billion in 2011. In 2012, however, Global project finance volume dropped 6% to USD 382.3 billion. Infrastructure overtook Energy to lead all sectors with USD 113.6 billion. It is generally recognized that there are more and higher risks in project finance compared with corporate finance. Project finance is exposed to commercial risks as well as political risks. The main commercial risks are completion risks, environmental risks, operating risks, input supply risks, revenue risks, etc, and the main political risks are currency convertibility and transfer risks, expropriation risks, war and civil disturbance risks, risks of breach of government concession agreement, etc. Completion risks include permits risks, risks relating to the EPC Contractor, construction cost overrun, delay in completion, inadequate performance on completion, etc.

• International Commerce and Information Review
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• v.15 no.2
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• pp.25-47
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• 2013

In China, the commercial bank credit financing is the most important external financing channel for SMEs. However, the lack of credit guarantee significantly deters commercial banks to finance SMEs. which may generate a negative impact on the trade activities of SME in China. In this paper we examine the risk of credit guarantee for SMEs financing and the factors affecting this risk through a VAR (Value-at-Risk) model. Our analysis shows that the scale of enterprises' impact on the VAR (risk of financing guarantee) is not much relevant. We also find that the certainty of financing for SMEs, such as the fixed asset ratio, has a significant and negative effect on the VAR of Chinese credit guarantee institutions. The product uniqueness is positively correlated with the VAR, and operation risk is also positively related to the credit risk of Chinese credit guarantee institutions.

• Proceedings of the Korean Institute of Industrial Safety Conference
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• 2003.05a
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• pp.483-486
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• 2003

사무소는 물론 초고층 아파트에까지 철골구조에 의한 공사가 시행되고 있다. 이처럼 상업용 사무소 건물의 경우 초고층 일 수밖에 없으며, 철골구조공사는 필수적이다. 공사공정 및 잠재위험은 그만큼 증대 될 수밖에 없다.(중략)

• 방재와보험
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• s.116
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• pp.66-67
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• 2006

이번 탐방은 위험조사부의 추천으로 부산광역시 부산진구 부저동 503-15번지 중심 상업지역 한가운데에 우뚝 자리 잡고 있는 부산롯데호텔을 방문하였다. 이곳에서 안전을 총괄한는 방재상 황실의 윤성일 과장을 만나 경영방침, 시설현황, 안전관리 현황등에 관한 이야기를 나누어 보았다.

• Journal of the Korea Institute of Building Construction
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• v.9 no.1
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• pp.123-129
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• 2009

The global financial crisis resulting from sub-prime mortgage crisis in the United States, beginning in 2007, has had dealt a blow to domestic economy. The economic downturn, coupled with a large number of apartments remaining unsold has resulted in contracted investment sentiment of the builders. Thus it's difficult to even implement the business, unless the investment project is thoroughly verified as well as the accurate profitability is granted. Viewing the current situation, forecasting and evaluating the business profitability is more than important today. The study was planned to identify the factors influencing the business success and to evaluate the sensitivity, relative risk of each factor was measured, and the scope of the study was limited to the commercial buildings among other buildings except apartment buildings. Hence, the study was aimed to analyze the factors affecting the business and the sensitivity so as to be able to systematically materialize the risk management of the commercial buildings. The outcome of the study is expected to serve the useful data in analyzing the business profitability and implementing the investment projects as well.