• Title/Summary/Keyword: Bank Efficiency

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A Study of Convergence Technology in Robotic Process Automation for Task Automation (업무 자동화를 위한 RPA 융합 기술 고찰)

  • Kim, Ki-Bong
    • Journal of Convergence for Information Technology
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    • v.9 no.7
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    • pp.8-13
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    • 2019
  • Recently, In line with the recent trend of the fourth industrial revolution, many companies and institutions have been increasingly applying automated technologies using artificial intelligence to various tasks. Particularly, due to the government's 52-hour workweek system, companies are increasingly struggling with manpower management. Therefore, they are interested in RPA (Robotic Process Automation) for office environment automation for efficient manpower management. It is being introduced in the back-office business in credit card companies, bank, insurance. These RPA solutions require AI-based recognition technology, scripting technology, business software API-related technologies, and various solutions such as Automate One, Automation Anywhere, UiPath, and Blue Prism are provided. This paper analyzes and describes the technology of RPA solution, the market trend, and the efficiency of RPA adoption.

Screening of Endophytic Antagonistic Bacterium from Phellodendron amurense and Their Biocontrol Effects against Canker Rot

  • Li, Shujiang;Fang, Xinmei;Zhang, Hanlian;Zeng, Yanling;Zhu, Tianhui
    • The Plant Pathology Journal
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    • v.35 no.3
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    • pp.234-242
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    • 2019
  • Thirty-four strains of bacteria were isolated from Phellodendron amurense. Using Nectria haematococca as an indicator strain, the best strain, B18, was obtained by the growth rate method. The morphological, physiological and biochemical characteristics of strain B18 and its 16S DNA gene sequence were identified, and the biocontrol effect of strain B18 was assessed in pot and field tests, as well as in a field-control test. Drilling methods were used to determine the antibacterial activity of metabolites from strain B18 and their effects on the growth of pathogen mycelia and spores. The best bacteriostatic rate was 85.4%. B18 can hydrolyse starch and oxidize glucose but does not produce gas; a positive result was obtained in a gelatine liquefaction test. According to 16S DNA gene sequencing, strain B18 is Bacillus methylotrophicus (GenBank accession number: MG457759). The results of pot and field-control trials showed 98% disease control when inoculating $10^8cfu/ml$ of the strain. The disease control effect of the B18 culture liquid (concentrations of $10^8$, $2{\times}10^6$, $10^6$, $5{\times}10^5$ and $2.5{\times}10^5cfu/ml$) in the field-control test was higher than 80%, and the cure rate of the original delivery solution was 96%. Therefore, in the practical forestry production, a $2.5{\times}10^5cfu/ml$ culture liquidshould be applied in advance to achieve good control effects.

Competitiveness Enhancement for Local Commercial Banks in Vietnam (베트남 일반은행의 경쟁력 제고에 관한 연구)

  • Dinh, Nguyen Yen Chi;Kim, Jung-Ho
    • International Area Studies Review
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    • v.21 no.2
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    • pp.171-196
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    • 2017
  • This study employed the Analytical Hierarchy Process (AHP) methodology with the enhancement of the competitiveness of Vietnamese commercial banks set as the overall goal of the model. Analysis of the survey questionnaire based on pair-wise comparisons and collected from experts in the field of banking led to three significant findings. First, banking safety is the most important evaluation criteria for the competitiveness of local commercial banks in Vietnam, followed by operating efficiency, intangible values and large scale. Second, in order to achieve the overall goal of enhancing competitiveness for local banks, securing healthy financial conditions should be made the priority. Effective management systems, strategic human resource planning and high-quality products and services all show strong connections to achieving the evaluation criteria. Third, the study found that bad debt settlement is essential in obtaining healthy financial conditions. In order to introduce effective management systems as well as high-quality products and services, technological advances are very important. Improving the quality of executives and staff is imperative for strategic human resource planning purposes.

A comparative study of Water Public-Private partnership characteristics in Guangdong and Shandong provinces in China

  • Jihye Oh
    • Proceedings of the Korea Water Resources Association Conference
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    • 2023.05a
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    • pp.182-182
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    • 2023
  • Since China adopted Public Private Partnerships (PPPs) in the 1980s, China has relied on water PPPs to expand appropriate water facilities.. According to the World Bank data from 1994 to 2020, the top five provinces hosted over 40 percent of total PPPs, with four of them located in the Huadong area and one in the Henan area. A vast gap exists between the group attracting the most PPPs and the group hosting the least. This study explores Guangdong and Shandong provinces, which have led most PPPs in China. Coincidently, these areas are also famous for the typical areas to show the Chinese economic policy after the open-door policy. They have achieved economic development and rapid urbanization rates based on the large scale of Foreign Direct Investment inflow and export-oriented manufacturing industry, as well as their active participation in PPPs over the last thirty years. An economic approach can provide valuable insights into the development of water infrastructure. Adequate urban infrastructure has been shown to impact local economic development positively. Water infrastructure also provides a basic and sustainable environment for economic activities by satisfying more water usage, improving the efficiency of the water supply, and reducing water pollution caused by industrial activities. However, it remains only partially understood without inclusive research on the issues related to water resources in each province. For instance, existing studies have been limited to explaining slightly different patterns of water PPPs between Guangdong and Shandong at the beginning of the PPP era. This study aims to elucidate the development pattern of water PPPs in each province from multi-dimensional aspects. Therefore, the study will help understand why China boosted the development of the private water market.

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ESTABLISHMENT OF CDM PROJECT ADDITIONALITY THROUGH ECONOMIC INDICATORS

  • Kai. Li.;Robert Tiong L. K.;Maria Balatbat ;David Carmichael
    • International conference on construction engineering and project management
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    • 2009.05a
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    • pp.272-275
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    • 2009
  • Carbon finance is the investment in Greenhouse Gas (GHG) emission reduction projects in developing countries and countries with economies in transition within the framework of the Kyoto Protocol's Clean Development Mechanism (CDM) or Joint Implementation (JI) and with creation of financial instruments, i.e., carbon credits, which are tradable in carbon market. The additional revenue generated from carbon credits will increase the bankability of projects by reducing the risks of commercial lending or grant finance. Meantime, it has also demonstrated numerous opportunities for collaborating across sectors, and has served as a catalyst in bringing climate issues to bear in projects relating to rural electrification, renewable energy, energy efficiency, urban infrastructure, waste management, pollution abatement, forestry, and water resource management. Establishing additionality is essential for successful CDM project development. One of the key steps is the investment analysis. As guided by UNFCCC, financial indicators such as IRR, NPV, DSCR etc are most commonly used in both Option II & Option III. However, economic indicator such as Economic Internal Rate of Return(EIRR) are often overlooked in Option III even it might be more suitable for the project. This could be due to the difficulties in economic analysis. Although Asian Development Bank(ADB) has given guidelines in evaluating EIRR, there are still large amount of works have to be carried out in estimating the economic, financial, social and environmental benefits in the host country. This paper will present a case study of a CDM development of a 18 MW hydro power plant with carbon finance option in central Vietnam. The estimation of respective factors in EIRR, such as Willingness to Pay(WTP), shadow price etc, will be addressed with the adjustment to Vietnam local provincial factors. The significance of carbon finance to Vietnam renewable energy development will also be addressed.

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Economic Impacts of Initial Allocation and Banking in CO2 Emissions Trading (초기할당방식과 예대(預貸) 가능 여부에 따른 CO2 배출권거래제의 경제적 효과)

  • Cho, Gyeong Lyeob;Kim, Young Duk;Kim, Hyosun
    • Environmental and Resource Economics Review
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    • v.15 no.4
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    • pp.591-642
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    • 2006
  • This paper intends to analyze economic impacts of commitment period and initial allocation in emissions trading using computable general equilibrium (CGE) modeling. The fully dynamic CGE model with perfect foresight assumption is employed to illustrate (i) how a model displays economic impact of $CO_2$ regulation upon different commitment periods: one-year budget clearing vs. 5-year commitment period, (ii) how major 8 energy-intensive industries respond to different ways to allocate initial allowances. According to the results of the analysis, it IS found that market players are motivated to bank the permits and tend to sell permits in earlier stage and to buy permits in later stage of commitment period. This implies that banking allows permit trading within a commitment period, which supports the conclusions of Kling and Rubin (1997). Other findings are related to efficiency. That is, emissions trading surpasses command and control, in terms of economic efficiency and longer terms of commitment period converge on lower permit price, In long term, initial allocation based on value-added performs the lowest GDP loss among different initial allocations.

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A Study on the Simple Design Method of Semi-Rigid Connection with Angle in Steel Structure (강구조에서 ㄱ형강을 이용한 반강접 접합의 간편 설계)

  • Heo, Myong-Jae;Kim, Hong-Geun;Choi, Won-Gu
    • Journal of Korean Society of Steel Construction
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    • v.23 no.3
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    • pp.261-273
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    • 2011
  • Recently, the demands for steel frame are increasing because of the trend and due to the demand for bigger and higher buildings. In the analysis of typical steel frame, connections are based on the idealized fixed or pinned connection. A fixed connection assumes that the relative angle of each member before deformation is the same after the transformation. Therefore, the stiffener reinforces the connection to sufficient rigidity and stability of the panel zone. In the economical aspect, however, the necessity of connection that the stiffener reinforcement has omitted is increasing due to the excessive production as well as labor costs of connection. In contrast, pinned connection is assumed that bending moments between the beams and columns do not transfer to each member. This is easy to make in the plant and the construction is simple. However, the structural efficiency is reduced in pinned connection because connection cannot transfer moments. The introduction of this semirigid process can decide efficient cross-sectional dimensions that promote ease in the course of structural erection, as performed by members in the field-a call for safety in the entire frame. Therefore, foreign countries exert efforts to study the practical behavior and the results are applied to criterion. This paper analyzes the semirigid connection of domestic steel by design specifications of AISC/LRFD and make data bank that pertain to each steel. After wards, the results are compared to those of idealized connection; at the same time, this paper presents a design method that matches economic efficiency, end-fixity, and rotational stiffness.

Problems of lake water management in Korea (한국의 호수 수질관리의 문제점)

  • 김범철;전만식;김윤희
    • Proceedings of the Korean Society of Environment and Ecology Conference
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    • 2003.10a
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    • pp.105-126
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    • 2003
  • In Korea most of annual rainfall is concentrated in several episodic heavy rains during the season of summer monsoon and typhoon. Because of uneven rainfall distribution many dams have been constructed in order to secure water supply in dry seasons. The Han River system has the most dams among Korean rivers, and the river is a series of dams now. Reservoirs need different strategy of water quality control from river water. Autochthonous organic matter and phosphorus should be the major target to be controlled in lakes. In this Paper some problems are discussed that makes efforts of water quality improvement ineffective in lakes of Korea, even after the substantial investment to wastewater treatment facilities.1) Phosphorus is the key factor controlling eutrophication of lakes and the reduction ofphosphors should be the major target of water treatment. However, water quality management strategy in Korea is still stream-oriented, and focused on BOD removal from sewage. Phosphorus removal efficiency remains as low as 10-30%, because biological treatment is adopted for both secondary treatment and advanced treatment. The standard for TP concentration of the sewage treatment plant effluent is 6 mgP/l in most of regions, and 2 mg/l in enforced region near metropolitan water intake point. TP in the effluents of sewage treatment plants are usually 1-2 mg/1, and most of plants meet the effluent regulation without a further phosphorus removal process. The generous TP standard for effluents discourages further efforts to improve phosphorus removal efficiency of sewage treatment. Considering that TP standard for the effluent is below 0.1 mg/l in some countries, it should be amended to below 0.1 mg/l in Korea, especially in the watershed of large lakes.2) Urban runoff and combined sewer overflow are not treated, even though their total loading into lakes can be comparable to municipal sewage discharges on dry days. Chemical coagulation and rapid settling might be the solution to urban runoff in regard of intermittent operation on only rainy days.3) Aggregated precipitation in Korea that is concentrated on several episodic heavyrains per year causes a large amount of nonpoint source pollution loading into lakes. It makes the treatment of nonpoint source discharge by methods of other countries of even rain pattern, such as retention pond or artificial wetland, impractical in Korea.4) The application rate of fertilizers in Korea is ten times as high as the average ofOECD countries. The total manure discharge from animal farming is thought to be over the capacity of soil treatment in Korea. Even though large portion of manure is composted for organic fertilizer, a lot of nutrients and organic matter emanates from organic compost. The reduction of application rate and discharge rate of phosphorus from agricultural fields should be encouraged by incentives and regulations.5) There is a lot of vegetable fields with high slopes in the upstream region of the HanRiver. Soil erosion is severe due to high slopes, and fertilizer is discharged in the form of adsorbed phosphorus on clay surface. The reduction of soil erosion in the upland area should be the major preventive policy for eutrophication. Uplands of high slope must be recovered to forest, and eroded gullies should be reformed into grass-buffered natural streams which are wider and resistant to bank erosion.

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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
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    • v.7 no.1
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    • pp.253-263
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    • 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.

Development of the Knowledge-based Systems for Anti-money Laundering in the Korea Financial Intelligence Unit (자금세탁방지를 위한 지식기반시스템의 구축 : 금융정보분석원 사례)

  • Shin, Kyung-Shik;Kim, Hyun-Jung;Kim, Hyo-Sin
    • Journal of Intelligence and Information Systems
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    • v.14 no.2
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    • pp.179-192
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    • 2008
  • This case study shows constructing the knowledge-based system using a rule-based approach for detecting illegal transactions regarding money laundering in the Korea Financial Intelligence Unit (KoFIU). To better manage the explosive increment of low risk suspicious transactions reporting from financial institutions, the adoption of a knowledge-based system in the KoFIU is essential. Also since different types of information from various organizations are converged into the KoFIU, constructing a knowledge-based system for practical use and data management regarding money laundering is definitely required. The success of the financial information system largely depends on how well we can build the knowledge-base for the context. Therefore we designed and constructed the knowledge-based system for anti-money laundering by committing domain experts of each specific financial industry co-worked with a knowledge engineer. The outcome of the knowledge base implementation, measured by the empirical ratio of Suspicious Transaction Reports (STRs) reported to law enforcements, shows that the knowledge-based system is filtering STRs in the primary analysis step efficiently, and so has made great contribution to improve efficiency and effectiveness of the analysis process. It can be said that establishing the foundation of the knowledge base under the entire framework of the knowledge-based system for consideration of knowledge creation and management is indeed valuable.

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