• Title/Summary/Keyword: 수협은행

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Determinants of Service Quality on Customer Loyalty of Financial Agency -Focused on Suhyup Bank- (금융기관 서비스품질의 고객충성도 결정요인 -수협은행을 중심으로-)

  • Lee, Sang-Jun;Lee, Sang-Yup
    • Journal of Digital Convergence
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    • v.12 no.4
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    • pp.193-200
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    • 2014
  • The purpose of this research is to explore ways to raise the quality of the financial services of Suhyup Bank, to secure its customers' loyalty, and to help it achieve sustainable growth. The results of this research showed that the ways to improve the service quality of Suhyup Bank are as follows: establish a relationship between its customers' satisfaction with the usefulness, creativity, reliability, and safety of its services and its customer management based on its customers' decision-making factors; establish service improvement schemes that consider new customer needs and desires; and improve its service quality and raise its internal quality factors, which are the keys to its expansion to customized services.

A Study on the Loan Structure and Profitability of Banks (은행의 대출 구조와 수익성 변동에 관한 연구)

  • Kang, Myoung-seok;Sin, Jeong-hun
    • Journal of Venture Innovation
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    • v.2 no.2
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    • pp.117-126
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    • 2019
  • This study conducted correlation analysis and multiple regression analysis using financial statements, loan structure, ROA and ROA volatility of domestic commercial banks, regional banks and special banks for the past five years (2012 ~ 2016). The result is as follows. First, as a result of correlation analysis, bank's ROA is positively related to household loans and SME loans, but it is negatively correlated with the ratio of loans to large companies, sector bias, and loan loss provision ratio. Second, ROA volatility was negatively related to household loans and SME loans, but it was positively correlated with large corporate loans, sector bias ratio, and loan loss provision ratio. Third, as a result of the regression analysis, the variables that have a statistically significant effect on the ROA volatility of banks were household loans, SME loans, and large enterprise loans. From these empirical results, special banks with high volatility in profits need to diversify loan types and sectors in order to achieve business performance outside of policy finance. and Especially, Suhyup Bank and Nonghyup Bank, which have a large commercial role, have a large size per unit by focusing on short-term profit and Rather than focusing on large companies or large loans that are easy to obtain financial information, it is necessary to focus management capabilities on household loans and SME loans by developing capabilities such as screening techniques.

A Design of the Wayfinding App for the Deaf (청각장애인을 위한 길찾기 앱 설계)

  • Lee, Jae-Hoon;Kwon, Dae-Geun;Hwang, Yo-Sep;Sin, Hyeon-Geun;Jeong, Uk-jo;Yang, Ji-Yeon;Han, Gwang-Hyeok;Lim, Yang-Won;Lim, Han-Kyu
    • Proceedings of the Korea Information Processing Society Conference
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    • 2013.11a
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    • pp.542-544
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    • 2013
  • 최근 스마트폰 보급률이 높아지면서 장애인들에 대한 스마트폰 보급도 올라가게 되었다. 하지만, 스마트폰을 이용하기 위한 수많은 어플리케이션이 출시되고 있는데 비해 장애인들에게 필요한 어플리케이션은 많지 않다. 또한 장애인들을 위한 어플리케이션은 그 조작법이 어렵거나 사용자가 필요로 하는 기능이 부족하다. 특히, GPS기능을 활용한 유용한 앱들이 많은 반면 장애인들을 위한 내비게이션 앱은 부족하다. 본 논문에서는 청각장애인들이 쉽게 접근할 수 있도록 청각장애인을 위한 길찾기 어플리케이션에 청각장애인들이 유용하게 활용할 수 잇도록 청각장애인용 앱을 설계하였다.

An Empirical Study on Estimation model of Suhyup Bank's Risk-Weighted Assets, related Basel III (Basel III 관련 수협은행의 위험가중자산 추정모형에 관한 실증연구)

  • Choi, Kye-Jung;Kim, Byung-Ho
    • The Journal of Fisheries Business Administration
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    • v.47 no.1
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    • pp.87-100
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    • 2016
  • Suhyup Bank became to be subject to regulation of capital ratio by Basel III which was introduced in order to enhance stability of the financial institution. Accordingly, Suhyup Bank will require recapitalization. It is important to estimate the risk-weighted assets in calculating of Suhyup Bank's recapitalization scale. Therefor, this study aimed to present a scientific model as estimated the risk-weighted assets. Risk-weighted assets are calculated by applying different risk weights for loans, may have a certain relationship with the loans. Results show that the risk-weighted assets is affected by the previous year's risk-weighted assets and influenced the increase in loans during the year. Since the required basic capital adequacy ratio was specified, the risk-weighted assets should be predicted reasonably. Accordingly, on this study it was tried to derive the accounting equation to predict the risk-weighted assets based on management data of a bank since introduction of Basel III. As the risk-weighted assets were weighted differently according to the type of loans, if the accounting equation is derived by using the type of loans, then it would be helpful for the risk management of banks in the long-term. According to this, the increase of loan would be predicted on the basis of past management performance of Suhyup Bank, and for this reason, the future risk-weighted assets of Suhyup Bank were predicted. The result of this study was showed that 98.3% of risk-weighted assets of the previous year, 62.4% of the secured loan changes and 95.1% of the credit loan changes affected risk-weighted assets.