• 지식경영연구
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• 제9권1호
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• pp.97-116
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• 2008

The purpose of this study lies in examining how knowledge management was applied to PMI(Post Merger Integration) in bank merger. Individuals and organizations in Korea have experienced a lot of changes since the 1997 foreign exchange crisis. In such a situation, individuals came to think the only thing to rely on was personal knowledge. Since organizations had to lay off workers in order of their birth year, not based on whether or not individuals had the knowledge necessary for the organizations, they needed to have such a system that could use their explicit knowledge and even outside knowledge or customers' knowledge as IT developed by changing individuals' tacit knowledge into explicit knowledge as needed in order to continue to maintain their competitiveness and for their own development. Thus, each firm started to pitch for the introduction of knowledge management. Individuals started to store their own experience and knowledge in their homepages or blogs. It was Woori Bank, the merged bank of Hanil Bank and Commercial Bank of Korea, that introduced the knowledge management system and Shared Service Center, in which knowledge creation is available, for the first time in the banking business. Its previous name was Hanbit Bank. Hanbit Bank wanted to construct an advanced bank system, bringing in their chief information officer(CIO) from a foreign bank and introducing an IT software used in Spanish banks to adjust all banking processes to it. However, they could not help giving up the plan in the middle of the road since there was a great difference between Spain and Korea in the financial system and more than 30% of software package had to be changed. In this situation, PMI was delayed, and customer inconvenience continued, which made the integration of organizational cultures slow down. As a breakthrough in this situation, knowledge management was introduced. To integrate knowledge of two organizations in the process of PMI is an important job for all merger candidates. This study aims at presenting the successful results from using knowledge management as a means to PMI ahead of other financial institutions so they can apply them to their organizations. PMI was not achieved properly after the two banks had been merged as Hanbit, but entering the era of Woori Bank, workers were integrated under one standard organization following the organizational and knowledge integration, and knowledge management was introduced for an efficient sharing of knowledge among members. A great number of mergers have occurred up to now, but Woori Bank is the first case that used knowledge management as a means to both PMI and competitiveness enhancement. Probably it was an appropriate time when Woori Bank introduced knowledge management as it was organized. Since Hanil Bank and Commercial Bank of Korea had not introduced knowledge management until then, it could use knowledge management as a means to PMI. Using knowledge management, it could create a new organizational culture and increase competitiveness in the banking industry.

• 한국지구물리탐사학회:학술대회논문집
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• 한국지구물리탐사학회 2008년도 공동학술대회
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• pp.27-32
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• 2008

Mariana 해령 후열도 분지내에 위치하고 있는 Esmeralda Bank의 지형 및 자력 특성을 연구하고 열수분출대의 위치를 추정하기 위하여 2007년 9월에 한국해양연구원 온누리호를 이용하여 획득한 정밀해저지형자료 및 해상자력탐사자료를 함께 분석하였다. Esmeralda Bank의 전체적인 모양은 서쪽 방향이 열린 칼데라의 형태를 띠고 있다. Esmeralda Bank의 정상부의 수심은 약 50 m로 매우 얕고 기저부의 수심은 약 1300m이다. Esmeralda Bank의 서쪽부분은 동쪽부분보다 경사가 더 급하고 지형의 기복이 심하게 나타나며, Bank 생성 후 무너져 내렸거나 침식에 의해 형성된 것으로 보이는 계곡이 관찰된다. Esmeralda Bank의 자기이상분포는 두 지역 모두 북쪽에 저이상이 나타나고 남쪽에 고이상이 분포하며 정상부에서는 급격한 자기변화를 보이고 수심이 깊은 기저부에서는 완만한 자기변화가 나타난다. Esmeralda Bank는 정상부와 서쪽에 저자화이상대가 분포하고 있다. Esmeralda Bank 정상부의 저자화 이상대에서 열수분출대가 존재할 가능성이 있다.

• 농업과학연구
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• 제38권2호
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• pp.315-324
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• 2011

Riparian vegetation distribution patterns and diversity relative to various fluvial geomorphic channel patterns, stream bank stabilization methods, and stream flow processes are described and interpreted for selected nature-friendly small stream bank protection of Goesan, central Korea. Idong Stream Pilot Project, which began in May 2003 and finished in December 2003, was selected to develop effective methods which was nature-friendly stream bank protection. The project aim to maintain or increase stream bank stabilization ecosystem goods and services while protecting downstream and stream bank ecosystem. A number of protecting methods which were a Flight of fieldstone, Vegetation block, Green river block, Stone net, Green environment block, Eco friendly cobble, Vegetation mat and Geo-green cell and Firefly block were applied on the bank of Idong stream. The stream sites have been monitored about vegetation conditions each method in 2007. We selected six points to separately investigate in left and right bank. The main purpose of this study was to find out suitable methods and to improve stream restoration techniques for ecosystem. On the stream bank, H environment block method (9.7) was the highest average of vegetation coverage and Firefly block method (3.87) was the lowest average in applied methods.

• The Plant Pathology Journal
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• 제34권1호
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• pp.65-70
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• 2018

Co-infection with two virus species was previously reported in some cactus plants. Here, we showed that Notocactus leninghausii f. cristatus can be co-infected with six different viruses: cactus mild mottle virus (CMMoV)-Nl, cactus virus X (CVX)-Nl, pitaya virus X (PiVX)-Nl, rattail cactus necrosis-associated virus (RCNaV)-Nl, schlumbergera virus X (SchVX)-Nl, and zygocactus virus X (ZyVX)-Nl. The coat protein sequences of these viruses were compared with those of previously reported viruses. CMMoV-Nl, CVX-Nl, PiVX-Nl, RCNaV-Nl, SchVX-Nl, and ZyVX-Nl showed the greatest nucleotide sequence homology to CMMoV-Kr (99.8% identity, GenBank accession NC_011803), CVX-Jeju (77.5% identity, GenBank accession LC12841), PiVX-P37 (98.4% identity, GenBank accession NC_024458), RCNaV (99.4% identity, GenBank accession NC_016442), SchVX-K11 (95.7% identity, GenBank accession NC_011659), and ZyVX-B1 (97.9% identity, GenBank accession NC_006059), respectively. This study is the first report of co-infection with six virus species in N. leninghausii f. cristatus in South Korea.

• The Journal of Asian Finance, Economics and Business
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• 제6권3호
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• pp.315-325
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• 2019

The paper aims to explore the factors affecting potential users of international bank cards in Vietnam. With milestones treaties being signed CPTPP and EVFTA, Vietnam is now exposing itself to the international open environment. Bank card market is at the core of this wind of change, and that is the reason for us to research the intention to use international bank cards. Given that the decision to choose international bank cards could either be the switch from domestic cards or adopting a brand new card, we develop some specific constructs to reflect that consideration, specifically PE and PD, asides from traditional constructs used in TPB and TAM frameworks. The analysis work is conducted using PLS-SEM approach. Our findings reveals that most of our proposed hypotheses are supported, in which SN plays the most important direct role to INT, while total effect of PU on INT is similar to that of SN. The newly introduced PD negatively and significantly impacts INT, and PE also has a positive impact on INT. The findings suggest that overall, it is important for bank card issuers to have a balance approach to the market, with focus on increasing usefulness and reducing potential disadvantages of international bank cards.

• 한국수자원학회:학술대회논문집
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• 한국수자원학회 2009년도 학술발표회 초록집
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• pp.2078-2082
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• 2009

Riparian vegetation distribution patterns and diversity relative to various fluvial geomorphic channel patterns, stream bank stabilization methods, and stream flow processes are described and interpreted for selected stream of Goesan, Central Korea. Idong Stream Pilot Project, which began in May 2003 and finished in December 2003, was selected to develop effective methods. The project aim to maintain or increase stream bank stabilization ecosystem goods and services while protecting downstream and stream bank ecosystem. A number of protecting methods which are a Flight of fieldstone, Vegetation block, Green river block, Stone net, Green environment block, Eco friendly cobble, Vegetation mat and Geo green cell and Firefly block were applied on the bank of Idong stream. The stream sites have been monitored about flora conditions each method in 2007. We selected 12 points for summer seasons to separately investigate in left bank, right bank and river bed. The main purpose of this study was to find out suitable methods and to improve stream restoration techniques for ecosystem. On the stream bank, Eco friendly cobble method(9.57) was the highest average of vegetation cover and Firefly block method(3.87) was the lowest average in applied methods.

• 통상정보연구
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• 제12권3호
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• pp.35-53
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• 2010

In connection with a non-cash payment through the banking system, "finality of payment" has acquired diverse meanings. In according to Section 4A-209(2), the acceptance by the beneficiary's bank by means of receiving payment "pursuant to section 4A-403(a)(1) or 4A-403(a)(2)," constitutes final settlement through a Federal Reserve Bank or through a funds-transfer system" or credit to the account of the beneficiary's bank. Above of all, Acceptance by beneficiary's bank is the most important. According to 4A-209(b), the beneficiary's bank can accept a payment order in one of four ways : First, by paying the beneficiary; obligating itself to pay the beneficiary or, Second, by notifying the beneficiary of receipt of the order or notifying the beneficiary that its account was credited or, Thirdly, by receiving full payment from the sender's order or Lastly, by passage of time, i.e., the opening of the next funds transfer business day of the bank following the payment date of the order. A beneficiary's bank is considered to have accepted a payment order when the earliest of the four means of acceptance occurs.

• Journal of Ginseng Research
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• 제34권2호
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• pp.98-103
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• 2010

The medicinal plant Panax ginseng (P. ginseng) contains various phytosterols and bioactive triterpene saponins (ginsenosides). Squalene synthase catalyzes the first committed step in ginsenoside biosynthesis. Transgenic plants of P. ginseng were generated by introducing the squalene synthase gene derived from P. ginseng. Adventitious roots of the transgenic ginseng grew best in B5 medium, and 2 g of inoculum secured an optimal growth rate. Two phytohormones, indolebutyric acid and 1-naphtalene acetic acid, increased root growth and decreased ginsenoside production. Treatment with two selected elicitors, chitosan and jasmonic acid, and a precursor of the isoprenoid pathway, mevalonic acid, enhanced ginsenoside production and retarded ginseng growth rate.

• The Journal of Asian Finance, Economics and Business
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• 제7권9호
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• pp.105-115
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• 2020

The study empirically examines the effects of loan portfolio diversification on bank risk and return in the nascent banking market of Vietnam. Loan portfolio diversification is captured through the Hirschman-Herfindahl index and the Shannon Entropy with sectoral exposures. We access each bank's financial reports to collect the required data, especially the breakdown of sectoral loan portfolios, thus constituting a unique dataset. To compute bank return, we use the traditional accounting indicators, including return-on-assets, return-on-equity, and net-interest margin. For bank risk, we utilize the loan-loss provisions and non-performing loans relative to gross customer loans. Using a sample of 30 commercial banks over the period from 2008 to 2019 and the system generalized method of moments estimator for the dynamic panel, we indicate the downsides of portfolio diversification. Concretely, we observe that all diversification measures exhibit significantly negative signs in all regressions across different bank return proxies. At the same time, the estimates display the significant and positive impact of diversification on the non-performing loan ratio. Hence, sectoral loan portfolio diversification significantly hampers bank performance in both aspects of lower return and higher credit risk. The results are robust across a rich set of bank performance and portfolio diversification measures.

• 한국지하수토양환경학회지:지하수토양환경
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• 제16권6호
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• pp.19-26
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• 2011

In this research, soil analysis and adsorption were conducted, and compared with the water quality of bank filtration and river in terms of TS, TDS, SS, $NH_4$-N, $NO_3$-N, $NO_2$-N, Fe, Mn, BOD and $KMnO_4$ consumption for the development of bank filtration in Gimhae city. Analysis of soil showed high levels of Fe (470 mg/kg), Mn (80 mg/kg) and $NH_4$-N (15 mg/kg). Also, adsorption coefficient values (k and 1/n) were 0.00159 and 0.8714, respectively. This implies that the adsorption of the soil depends on organic matter. Water qualitiy of the river and the bank filtration revealed that the concentrations of TS and TDS almost didn't change but the concentration of SS decreased 84% through the bank filtration. $NH_4$-N in the bank filtration was detected more than 1 mg/L which might be due to agricultural activities in the research area. $NO_3$-N was close to the detection limit owing to the removal by the adsorption. $KMnO_4$ consumption and BOD of the river were decreased by the bank filtration 250% and 350%, respectively, while Fe and Mn were significantly increased by the bank filtration.