• Title/Summary/Keyword: 은행효율성

Search Result 181, Processing Time 0.023 seconds

Design of the ACCESS (Address Certification Co-opErating SyStem) in Financial Institution (금융기관의 주소인증공동이용시스템 설계)

  • Park, Min-Gab;Jeon, Min-Ho;Yang, Hae-Sool
    • Proceedings of the Korea Information Processing Society Conference
    • /
    • 2005.05a
    • /
    • pp.663-666
    • /
    • 2005
  • 은행, 저축은행, 신용정보회사 등 금융기관에서는 채권관리 및 회수, 각종 우편물 발송 등의 업무처리를 위해 채무자 또는 고객의 최종 주소의 파악이 필요하다. 주소 파악을 위한 업무프로세스는 금융기관 직원이 채무자와 사실 관계를 증명하는 서류를 작성하고, 행정기관에 직접 방문하여 민원서류를 발급 받는 등 Off-line으로 이루어지고 있다. 이러한 민원서류 발급 업무량은 경제상황의 악화와 그에 따른 신용불량자의 대거 발생 등으로 인해 지속적으로 증대되고 있다. 따라서 행정전산망과 금융전산망을 서로 연결하여 신속하게 정보를 파악할 수 있도록 하는 주소 인증공동이용시스템(ACCESS, Address Certification Co-opErating SyStem)을 구축하는 것이 필요한 실정이다. 이에 본 연구에서는 ACCESS를 구축을 위한 설계를 통하여, 행정기관 민원서류 발급업무 담당자, 금융기관 해당업무 종사자 등의 업무를 대폭 줄임으로서 산업생산성을 제고 하는 방안을 제시하고자 한다. 또한 향후 행정전산망과 금융전산망의 연결체계에서 새롭게 구축될 다양한 정보서비스의 유형을 처리 할 수 있는 기반을 마련하여, 효율적인 정보의 공유와 유통 및 이를 통한 시너지효과를 창출하고, 정보자원의 활용 및 가치를 극대화하고자 한다.

  • PDF

The Economic Impacts of Water Supply Constraints During a Drought Using Intra-Regional Input Output Analysis (가뭄의 경제적 파급효과: 지역산업연관표을 이용하여)

  • Park, Doo-Ho;Choi, Han-Joo
    • Proceedings of the Korea Water Resources Association Conference
    • /
    • 2007.05a
    • /
    • pp.481-486
    • /
    • 2007
  • 물 공급 지장의 경제적 파급 효과를 분석하기 위해 한국은행이 2007년 발간한 2003년 지역산업연관모형을 이용하였다. 특히 가뭄의 발생은 지역적인 특성을 가지고 있어서 지역에 따라 피해도 다르게 나타날 것이다. 우선적으로 배분해야할 각 산업의 순위도 지역별로 달라지게 될 것이다. 따라서 전국산업연관표를 이용하여 물 공급의 지장비용을 분석하였을 때보다 구체적으로 효율적인 물 배분에 대한 정보를 제공할 수 것이다. 특히 기존에는 지역별 물 공급 지장 비용을 계측하기 위하여 주로 전국산업연관표 이용하여 각 지역별 산업연관표를 간접 추계하여 사용하였다. 이 방식은 방법론에 따른 오차 존재 가능성이 크기 때문에 신뢰도가 결여된다. 그러나 본 연구는 한국은행의 2003년 실측(survey-based method) 지역산업연관표를 이용하였기 때문에 기존 연구보다 신뢰성있는 연구가 될 것이다. 추정결과, 우리나라 수도산업의 특징은 지역내 파급 효과가 지역간 파급 효과보다 큰 자급자족형 산업인 것으로 나타났다. 전후방연쇄효과도 거의 모든 지역에서 1이상으로 나타났고 후방연쇄효과가 가장 큰 지역은 경남지역으로 나타났다. 서울권과 경남권에서 만 원어치만큼 물 공급되지 않을 경우 해당 지역의 산업에 각각 130만 원과 57만 원의 피해 비용이 발생한다.

  • PDF

Financial Determinants of Credit Default Swap Spreads for Financial Institutions Headquartered in the Republic of Korea (국내 금융기관들의 신용부도스왑 스프레드에 대한 재무적 결정요인 분석)

  • Kim, Hanjoon
    • The Journal of the Korea Contents Association
    • /
    • v.12 no.11
    • /
    • pp.338-357
    • /
    • 2012
  • This study investigated any possible financial attributes of the CDS spreads of a firm belonging to financial industries headquartered in the Republic of Korea. There were few studies on this issue, especially for the firms located in emerging capital markets. Coupled with the models such as a multiple regression and a principal component analysis(PCA), this research has identified that only two explanatory variables such as SLOPE and INTER3 (i.e. interaction effect between the BETA and the SLOPE) consistently showed their statistically significant influence on the CDS spreads through the 'selected' model without and with applying a stepwise regression procedure for the robustness. Given the rapid developments of sophisticated financial derivatives, this study may suggest a valuable insight to foreign and domestic investors to identify the possible determinants of CDS spreads at the firm- and/or the industry-level.

Effects of Industrial Restructuring on Employment and Growth (산업구조조정이 고용 및 성장에 미치는 영향)

  • Seo, Byeongseon;Kim, Taekyung
    • Economic Analysis
    • /
    • v.26 no.4
    • /
    • pp.1-38
    • /
    • 2020
  • In this research, we explore the effects of changes in industrial structure due to industrial restructuring on employment and growth in the Korean economy. To that end, we first investigate the impact of industrial restructuring on employment through Lilien's sectoral shift hypothesis, considering the dependence of industrial restructuring on business cycles. As a result of the analysis, we find that changes in the industrial structure have exerted a short-term effect of increasing unemployment, and that the effects of industrial restructuring are even greater during the economic downturn period. In light of these points, Lilien's sectoral shift hypothesis seems to be valid in Korea. Next, we examine the effect of industrial restructuring on economic growth in Korea by analyzing which one, between the Kuznetz hypothesis and the Baumol effect, is dominant. Empirical results reveal that the mid- to long-term effect of industrial restructuring on GDP growth is significant, which is in accordance with the Kuznets hypothesis, where resource allocation along with industrial restructuring to sectors with high productivity spurs economic growth.

KHistory: A System for Automatic Generation of Multiple Choice Questions on the History of Korea (KHistory: 한국사 객관식 문제 자동 생성 시스템)

  • Kim, Seong-Won;Jung, Hae-Seong;Jin, Jae-Hwan;Lee, Myung-Joon
    • Asia-pacific Journal of Multimedia Services Convergent with Art, Humanities, and Sociology
    • /
    • v.7 no.1
    • /
    • pp.253-263
    • /
    • 2017
  • As needs for knowledge on Korean history and the attention of the people are rapidly increasing, various smartphone applications for learning the history have appeared during recent years. These applications provide multiple choice questions to users through their own problem banks. But, since these questions are selected from the fixed set of problems that are stored previously, the learning efficiency of users is inevitably decreased when they use the applications repeatedly. In this paper, we present a question generation system named K-History which generates multiple choice questions in an automatic way using the database on the history of Korea. In addition, we also describe the development of the application Korean History Infinite Challenge as a learning application for Korean history. To develop K-History, we classify typical types of learning problems through various problems based on Korean history learning materials, proposing algorithms to generate problems according to the types found. Through the developed techniques, various learning systems can reduce the cost for creating questions, while increasing the learning efficiency of users.

Efficiency Analysis of ASEAN Ports Using DEA & Shannon's Entropy (DEA결합모형을 활용한 아세안(ASEAN)지역 항만의 효율성 분석)

  • Park, Seonyoul;Kim, Sangyoul;Park, Ho
    • Journal of Korea Port Economic Association
    • /
    • v.33 no.4
    • /
    • pp.1-16
    • /
    • 2017
  • The total container throughput of ASEAN is expected to increase continuously with economic development. However, ASEAN port infrastructure is insufficient to handle the increasing trade volume. According to the World Economic Forum, ASEAN ports except Singapore and Malaysia are ranked in low. Participation in ASEAN port development projects can lead an increase in trade efficiency with S. Korea by improving the port infrastructure of ASEAN countries. In addition, the S. Korean port-related industry can be energized through entering ASEAN port development projects. This study, which measures the efficiency of ASEAN ports, can be used as a basic guideline for the development and the planning of the ports. This study used Data Envelopment Analysis(DEA) and Shannon's Entropy model together to measure ASEAN ports' efficiency. After measuring each DEA (CCR, I-BCC, O-BCC, SBM) weight, the efficiency of ASEAN ports is measured as reflecting each DEA weight. As a result, the ports of Singapore and Malaysia, the major ports in the world, have the highest efficiency. Further, Vietnamese ports need to raise efficiency along with increasing container throughput. Leam Chabang (Thailand), Ho Chi Minh City (Vietnam), and Tanjung Priok (Indonesia) exhibit a negative correlation between container throughput and efficiency; therefore, the ports need to improve so as to maintain competitiveness. Lastly, Cambodia, Myanmar, and Brunei, which do not have active economic development, need to improve their ports for economic development.

A Brief Analysis on the Correlations between Website Accessibility and Quality Evaluation Results and Efficiency of Main Seaports in Korea, China, and Japan (한·중·일 주요항만의 웹 사이트 접근성 및 품질평가결과와 효율성과의 상관관계분석 소고)

  • Park, Ro-Kyung
    • Journal of Korea Port Economic Association
    • /
    • v.31 no.4
    • /
    • pp.39-52
    • /
    • 2015
  • The purpose of this paper is to empirically examine whether there are significant relations among rankings of cross-efficiency, web accessibility, and website evaluation. For this purpose, the study uses the KWAH-4 method developed by the Web Accessibility Laboratory in Korea, website evaluation method developed by the Business Development Bank of Canada (BDC), and the cross-efficiency model for 13 Asian container seaports including Korean, Chinese, and Japanese main ports in 3 years (2009, 2010, and 2013) using data for two cases: three inputs (depth, total area, and number of crane) and one output (TEU) in the first case and three inputs and two outputs (TEU and BDC overall score) in the second case. The main empirical results are as follows. First, the ranking orders of cross-efficiency, web accessibility, and website evaluation overall scores are not significantly correlated with each other. Second, if the BDC overall score is included in the output element, the correlation results are improved. However, the correlation coefficient is still low. The container port policy planners should introduce and consider the web accessibility and website evaluation scores when evaluating an efficiency-increasing plan for Korea's main container ports.

A study on the Digital Format Registry for digital objects preservation in Korea (디지털 객체 보존을 위한 디지털 포맷 레지스트리에 관한 연구)

  • Sohn, Won-Sung;Lim, Sun-Bum;Nam, Dong-Sun;Kim, Eun-Mi
    • Journal of Korea Multimedia Society
    • /
    • v.12 no.10
    • /
    • pp.1397-1406
    • /
    • 2009
  • This paper propose the "Digital Format Registry(DFR)" to solve the problem related digital objects preservation system in the Korean Industry. Digital format registry is a kind of database that saves syntax and meaning informations of a digital file format and for giving help to make preserve in long-term even technical environment of a specific application has been changing. The role of the Technical Information Registry has been developed in this research and development is maintaining a technical information that is the foundation to maintain the long-term preservation and access to a digital objects. The function that can extract text information from a digital document object is implemented in DFR as a basic function at the first time in the world. This function make information consumers search a information that is needed easily and conveniently and can be used for development more effective records management system with retrieving the Key(index).

  • PDF

Reliability of Non-invasive Sonic Tomography for the Detection of Internal Defects in Old, Large Trees of Pinus densiflora Siebold & Zucc. and Ginkgo biloba L. (노거수 내부결함 탐지를 위한 비파괴 음파단층촬영의 신뢰성 분석(소나무·은행나무를 중심으로))

  • Son, Ji-Won;Lee, Gwang-Gyu;An, Yoo-Jin;Shin, Jin-Ho
    • Korean Journal of Environment and Ecology
    • /
    • v.36 no.5
    • /
    • pp.535-549
    • /
    • 2022
  • Damage to forests, such as broken or falling trees, has increased due to the increased intensity and frequency of abnormal climate events, such as strong winds and heavy rains. However, it is difficult to respond to them in advance based on prediction since structural defects such as cavities and bumps inside trees are difficult to identify with a visual inspection. Non-invasive sonic tomography (SoT) is a method of estimating internal defects while minimizing physical damage to trees. Although SoT is effective in diagnosing internal defects, its accuracy varies depending on the species. Therefore, it is necessary to analyze the reliability of its measurement results before applying it in the field. In this study, we measured internal defects in wood by cross-applying destructive resistance micro drilling on old Pinus densifloraSiebold & Zucc. and Ginkgo bilobaL., which are representative tree species in Korea, to verify the reliability of SoT and compared the evaluation results. The t-test for the mean values of the defect measurement between the two groups showed no statistically significant difference in pine trees and some difference in ginkgo trees. Linear regression analysis results showed a positive correlation with an increase in defects in SoT images when the defects in the drill resistance graph increased in both species.

A Study on the Fault Analysis and Security Assessment for Smart Card Management System (스마트카드 관리 시스템(SCMS)의 결함분석과 보안성 평가에 관한 연구)

  • Jang, Soo-Mi;Park, Man-Gon
    • Journal of Korea Multimedia Society
    • /
    • v.17 no.1
    • /
    • pp.52-59
    • /
    • 2014
  • These days, smart card management system(SCMS) have been broadly used for security conformability, efficiency of issuance management, key management and expert management in the smart card market. SCMS is composed of card management, issuance management, key management, application management, and issuers management systems. SCMS enables card issuers from banks, credit card companies, and telecommunications companies to provide these cards to card users. And then SCMS enables card users to download new programs to chips for use of these cards successively and provide related smart card data in safety and efficiency. In this paper, we propose a framework for security assessment and an efficient method for security improvement through fault analysis which is more effective.