• KDI Journal of Economic Policy
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• v.23 no.1_2
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• pp.5-70
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• 2001

The often raised arguments against allowing Chaebol's ownership of banks, that is, 1) the banks may virtually be transformed into private cash vaults of owners, and 2) conflicts of interests may develop and be possibly abused by chaebols, do not hold under ordinary free market circumstances. Only under some special circumstances in which government imposes artificial regulations on banks such as interest rate ceilings, or provides preferential protection like guaranteeing bank's liabilities, the aforementioned worries can be materialized.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.18 no.2
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• pp.625-630
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• 2017

We analyzed the relationship between small- and medium-sized corporate bank loans and bank's equity ratio, as well as small- and medium-sized corporate bank loans and bank's performance in Korean banking industry. Using the data from the Bank of Korea and the Financial Supervisory Service, we made a panel data set, including small and medium corporate loan ratio, BIS ration, basic equity ratio, performance ratio, etc. We found a positively significant relationship between small- and medium-sized corporate loans and bank's equity ratio. There was a positive change of this relationship between the pre-financial crisis and post-financial crisis periods. In the post-financial crisis period, small- and medium-sized corporate bank loans had a significantly positive impact on the bank's equity ratio and bank's performance. We expect that these results will give new insights and contribute to the already-existing knowledge as well as to the Korean government institutions that are interested in the impact of small- and medium-sized corporate bank loans.

• Journal of the Korean Society of Food Science and Nutrition
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• v.40 no.1
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• pp.7-13
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• 2011

This study was conducted to investigate the antimicrobial activity of Ginkgo biloba L. leaves, seed and outer seedcoat against bacteria. Antimicrobial effects of Ginkgo biloba L. leaves (GBL), seed (GBS) and outer seedcoat (GBO) were examined by paper disc method and optical density method to determine minimum inhibition concentration (MIC), and observed by scanning electron microscope (SEM) to figure out the morphological change on the surface when Ginkgo biloba leaves extract was treated. The extracts of GBL, GBS and GBO were extracted by solvents such as methanol, ethanol, water. The methanol extract of GBL and GBO showed the highest antimicrobial activity against Bacillus cereus, Bacillus subtilis, Klebsiella pneumoniae, Listeria monocytogenes, Salmonella Typhimurium, Staphylococcus aureus, Yersinia enterocolitica except Escherichia coli and thus was further fractionated. The MICs of the chloroform fraction of GBL methanol extract were $125{\mu}g$/mL against B. subtilis, and L. monocytogenes; GBO methanol extract were $62.5{\mu}g$/mL against B. cereus and $125{\mu}g$/mL against B. subtilis, and L. monocytogenes. The microorganisms were treated with chloroform extracts ($2000{\mu}g$/mL) of GBL and GBO methanol extracts. It was observed by scanning electron microscope (SEM). The cells were expanded and a part of cell wall was completely destructed by GBL and GBO. Thus Ginkgo biloba L. leaves and outer seedcoat could be further developed into a natural antimicrobial agent.

• 한국IT서비스학회:학술대회논문집
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• 2005.11a
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• pp.76-84
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• 2005

IT 아웃소싱은 IT의 비용 절감 및 핵심 역량 강화의 경영혁신 방법으로써 많은 국내외 기업에서 활발히 추진되고 있다. 그러나 국내 IT 아웃소싱은 산업별 또는 업종별로 제각기 다른 활성화 수준을 보여주고 있으며, 특히 은행업인 경우 선진국에 비해 IT 아웃소싱의 활용이 활발하지 못한 실정이다. 본 연구의 목적은 이와 같은 국내 은행의 IT 아웃소성이 해외 은행에 비해 비활성화 되어 있는 원인을 파악하고자 한다. 이러한 연구목적 달성을 위하여 본 연구에서는 거래비용이론과 계약이론을 고찰하여 국내 은행의 IT 아웃소싱이 비활성화 되어 있는 요인들을 도출하고 국내 및 해외 은행의 사례분석을 통하여 비교하였다. 본 연구를 통해 국내 은행 산업 군의 IT 아웃소싱 비활성화 원인을 심층적으로 살펴 봄과 동시에 국내 은행의 IT 아웃소싱을 활성화 할 수 있는 방안을 제시하고자 한다.

• The Korean Journal of Financial Management
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• v.15 no.2
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• pp.211-233
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• 1998

본 연구에서는 대기업의 부도가 은행주가수익률에 미친 영향을 분석하였다. 분석대상사건은 1997년의 한보철강 부도, 삼미그룹 법정관리신청, 기아자동차 부도유예협약적용을 택하였다. 분석결과는 다음과 같다. 첫째, 사건기간의 시장모형(OLS Market Model)에 의한 평균초과수익률과 누적평균초과수익률이 은행전체와 대출은행 그룹에 대하여 유의한 (-)의 반응을 보여 신정보가설이 지지되었다. 둘째, 대출은행그룹의 평균초과수익률과 누적평균초과수익률이 기타은행그룹에 대하여 유의한 (-)의 차이를 나타내었다. 그러나 기타은행의 경우에도 사건일을 전후하여 평균초과수익률이 유의한 (-)의 반응을 보여 일부 투자자감염효과가 나타났고, 대출은행의 누적초과수익률이 대출지분비율(=부도 대기업에의 대출금액/자기자본)과 유의한 (-)의 선형관계를 보이지 않아 주가반응 정도가 대출정도를 반영한다는 합리적가격결정가설은 기각되었다. 셋째, 대출은행의 누적초과수익률과 자기자본비율(=자기자본/총자산)이 사건기간 전체에 대하여 유의한 (+)의 선형관계로 나타나지 않아 재무건전성이 높은 은행이 거래기업의 부도와 같은 부정적 정보에 더 저항적일 것이라는 자본적합성가설은 기각되었다. 이상의 결과는 신정보가설을 제외하고는 미국 등의 선행연구와 다른 것이며 우리나라의 경우 대기업 부도에 따른 은행주가반응에 관한 한 준강형 효율적 시장가설을 지지하는 증거가 부족하다는 것을 시사한다.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.16 no.8
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• pp.5267-5272
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• 2015

This paper analyzes the relationship between the industry bank loan concentration and its risk using the Korean bank loan data. We focused on the construction and real estate industry which are controversial on the non performing loans. We used the construction or leasing real estate industry bank loan ratio of the corporate bank loan as the bank loan concentration proxies. The bank risk are measured as the equity capital rate or the size of non performing loans. According to the results of this research, the preceding bank loan ration of the construction industry or the leasing real estate industry decreases the non performing loans and increases the equity capital rate. The bank loan concentration to the specific industry may not increase bank risk. The bank loan concentration may decrease the information asymmetry and improve the screening abilities the non performing loans. We suggest that the bank loan concentration on the construction or leasing real estate industry in the Korean economy may not directly connected to the bank risk.

• Journal of the Korea Society of Computer and Information
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• v.12 no.1 s.45
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• pp.205-217
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• 2007

The purpose of this paper is to measure and analyze the efficiency of management in general bank. Each bank was analyzed to find out the efficiency and classified as efficient and inefficient bank. To the inefficient bank, the inefficient part and the extent are round out, the improvement methods of efficiency are suggested, and the effects of scale of bank on management efficiency by BCC model are analyzed. And, the differences between commercial bank and local bank also are examined. Empirical main results are as follows: Frist, After 2000, both of commercial and local bank shows the continuous improvement of the management efficiency. Second, the relative efficiency of management of commercial bank is higher than local bank except 2004. Third, there are differences in variables except equity ratio and no differences appeared in the management efficiency between commercial bank and local bank. Fourth, there are no influences or negative influences by M&A and reconstruction among banks in the effect of scale to the management efficiency.

• Journal of Digital Convergence
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• v.12 no.11
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• pp.215-223
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• 2014

To provide evidence of bank's management consulting effect on client firms' performance and contribution to the bank, this study adopts Matching Sample Design and OLS regression using financial and consulting data from A Bank, which allowed us for empirically testing bank's management consulting effect on client firms. Specifically, We examine difference between ante-post performance of consulting client firms and difference between performance of consulting client firms and the other client firms. Empirical results show that management consulting by a Bank can increase interdependency, while It does not cause significant improvement of growth, activity, and profitability. This result provides further understanding of effect of management consulting by a bank on consulting client firms and some implication which banks should consider for management consulting.

• Construction Engineering and Management
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• v.21 no.5
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• pp.27-31
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• 2020

• Asia Marketing Journal
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• v.5 no.4
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• pp.153-166
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• 2003

1967년 지역사회 발전과 지역간 경제력격차의 해소를 위해 설립된 대구은행은 설립 후 30년간 내실경영 및 경영혁신을 기반으로 1997년 총수신고 10조의 고지를 달성하였고 지방은행 선두자리를 확고히 한 바 있으며 일반은행권을 포함하여도 8위권을 유지하면서 지방금융기관으로서 자립기반을 구축한 바 있다. 그러나 1997 년 말 밀어닥친 IMF 외환위기의 충격으로 대구은행은 생존자체가 불투명해졌으나 지역사회의 뜨거운 성원과 은행 임직원의 지역밀착형 마케팅 활동을 통하여 위기를 슬기롭게 극복하여 부실여신의 조기감축을 통한 클린뱅크의 구현과 세계기준(Global Standard)에 부합하는 선진경영의 틀을 갖추어 나감으로써 독자생존을 위한 기반을 마련해 나가고 있다. 본 사례는 대구은행의 IMF 사태 시 위기상황을 소개하고, 위기상황에서의 생존을 건 구조조정 프로그램과 위기관리 과정을 소개한 후, 초일류 지역은행으로의 재탄생을 위한 기반이 되었던 지역밀착경영 (K-프로젝트) 및 이와 관련된 프로그램과 그에 따른 성과를 소개한다.