• 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.

• Journal of the Korea Society of Computer and Information
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• v.24 no.11
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• pp.209-218
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• 2019

The purpose of this study is to longitudinally analyze the relationship between parenting effectiveness of parents of multicultural families and self-esteem and achievement motivation of multicultural adolescents. The study used the data of Multi-cultural Adolescent Panel Survey (MAPS). Of the six years of data from the 1st survey (elementary grade 4 students) in 2011 to the 6th survey ($3^{rd}$ year middle school students) in 2016, this study employed and analyzed the data from year 2012 ($2^{nd}$ survey, fifth graders), year 2014 ($4^{th}$ survey, 1st year middle school students), and year 2016 ($6^{th}$ survey, $3^{rd}$ year middle school students). The results of applying the Autoregressive Cross-lagged Model to examine the longitudinal relationship between parenting effectiveness of multicultural families and self-esteem and achievement motivation of multicultural adolescents are as follows. First, parenting effectiveness of parents of multicultural families, and self-esteem of multicultural adolescents, and autoregressive effects of achievement motivation were found to have a positive (+) effect with the passage of time. Second, the parenting effectiveness of parents of multicultural families at the previous time was found to have a significant positive (+) effect on the cross-lagged effect on self-esteem and achievement motivation of multicultural adolescents at a later time. Third, the self-esteem of multicultural adolescents at the previous time at the previous time was found to have a significant effect in the positive (+) direction on the cross-lagged effect affecting achievement motivation of multicultural adolescents at a later time. Fourth, it was found that the cross-lagged effect of the parenting effectiveness of parents of multicultural families on achievement motivation of multicultural adolescents was greater than the cross-lagged effect of self-esteem on achievement motivation of multicultural adolescents. This study is meaningful in that the longitudinal data are used to verify the causal orientation between three variables over time to examine the relationship between parenting effectiveness of parents of multicultural families and self-esteem and achievement motivation of multicultural adolescents.