• Title/Summary/Keyword: Bank Efficiency

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Autrophic Denitrification of Bank Filtrate Using Elemental Sulfur (황을 이용한 강변여과수의 독립영양탈질)

  • 문희선;남경필;김재영
    • Proceedings of the Korean Society of Soil and Groundwater Environment Conference
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    • 2000.11a
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    • pp.209-212
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    • 2000
  • As a bench-scale study, transformation of nitrate to nitrogen gas under anoxic condition was determined by using autotrophic denitrifiers containing Thiobacillus denitrificans and elemental sulfur as an electron donor. The research objective is to measure the basic kinetic parameters of autotrophic denitrification reaction on the removal efficiency of nitrate. The results showed that nitrate was almost completely transformed to nitrite in the first 4 days of column operation. After 2 days of accumulation of nitrite, its concentration slowly decreased and the compound was detected less than 0.5 mg/L in 14 days. In the experiment, sulfate concentration in the effluent was the 70~90 mg-S/L and the pH was maintained around pH 7.5. When nitrate concentration of bank filtrate in the real field is considered, this sulfate concentration seems to be acceptable. At 17 cm from the bottom of the column, the effluent showed the highest nitrite concentration, and nitrate concentration decreased rapidly to the Point of 33 cm from the bottom. The results suggest that an appropriate thickness of permeable reactive barriers is about 30 cm.

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A Method of Bank Telemarketing Customer Prediction based on Hybrid Sampling and Stacked Deep Networks (혼성 표본 추출과 적층 딥 네트워크에 기반한 은행 텔레마케팅 고객 예측 방법)

  • Lee, Hyunjin
    • Journal of Korea Society of Digital Industry and Information Management
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    • v.15 no.3
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    • pp.197-206
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    • 2019
  • Telemarketing has been used in finance due to the reduction of offline channels. In order to select telemarketing target customers, various machine learning techniques have emerged to maximize the effect of minimum cost. However, there are problems that the class imbalance, which the number of marketing success customers is smaller than the number of failed customers, and the recall rate is lower than accuracy. In this paper, we propose a method that solve the imbalanced class problem and increase the recall rate to improve the efficiency. The hybrid sampling method is applied to balance the data in the class, and the stacked deep network is applied to improve the recall and precision as well as the accuracy. The proposed method is applied to actual bank telemarketing data. As a result of the comparison experiment, the accuracy, the recall, and the precision is improved higher than that of the conventional methods.

Authentication and Key Agreement using Delegating Authority for a Secure Mobile Payment Protocol (안전한 모바일 결제 프로토콜을 위한 위임기관을 사용한 인증과 키 동의)

  • Sung, Soon-Hwa
    • Journal of KIISE:Information Networking
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    • v.37 no.2
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    • pp.135-141
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    • 2010
  • Mobile payment system has many problems in real mobile payment networks because of the characteristics of mobile device and the security of mobile payment process. Specially, the previous suggested mobile payment protocol can not verify a trust of issuing bank. Therefore, this paper has analyzed the efficiency of a mobile payment with a delegating authority for an issuing bank to trust issuing bank. As a result, the mobile payment protocol with a delegating authority for a payment verification of an issuing bank has improved the time complexities for key computation and communication resilience.

Spillover Effects of Foreign Direct Investment Inflows and Exchange Rates on the Banking Industry in China

  • Lee, Jung Wan;Wang, Zhen
    • The Journal of Asian Finance, Economics and Business
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    • v.5 no.2
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    • pp.15-24
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    • 2018
  • The study examines the magnitude of economic spillover and the impact of foreign direct investment (FDI) inflows on the efficiency of the bank industry in China. This study employs unit root tests, cointegration tests and cointegrating regression analysis, including fully modified ordinary least squares (FMOLS), canonical cointegrating regression (CCR) and dynamic OLS (DOLS) to test the proposed hypotheses. The sample is restricted to the period of time in which monthly data is available and comparable among variables for the period from January 2002 to October 2013 (142 observations). All of the time series data was collected and retrieved from the People's Bank of China, China Monthly Statistics from the National Bureau of Statistics of China, and International Financial Statistics database from International Monetary Fund. The results of the Johansen cointegration test suggest that there is a long-run equilibrium relationship between FDI inflows, foreign exchange rate and banks performance in China. The results of cointegrating regression analysis using FMOLS, CCR and DOLS suggest that M2 supply and FDI inflows are significant at the 0.01 level. The results confirm that FDI inflows in the banking sector are positively related to the increase of banks productivity and performance and short-term loans in China. However, the results suggest that Chinese Yuan currency exchange rate to U.S. dollar is not significant in the banking and financial industry of China.

Scalable Application Mapping for SIMD Reconfigurable Architecture

  • Kim, Yongjoo;Lee, Jongeun;Lee, Jinyong;Paek, Yunheung
    • JSTS:Journal of Semiconductor Technology and Science
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    • v.15 no.6
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    • pp.634-646
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    • 2015
  • Coarse-Grained Reconfigurable Architecture (CGRA) is a very promising platform that provides fast turn-around-time as well as very high energy efficiency for multimedia applications. One of the problems with CGRAs, however, is application mapping, which currently does not scale well with geometrically increasing numbers of cores. To mitigate the scalability problem, this paper discusses how to use the SIMD (Single Instruction Multiple Data) paradigm for CGRAs. While the idea of SIMD is not new, SIMD can complicate the mapping problem by adding an additional dimension of iteration mapping to the already complex problem of operation and data mapping, which are all interdependent, and can thus significantly affect performance through memory bank conflicts. In this paper, based on a new architecture called SIMD reconfigurable architecture, which allows SIMD execution at multiple levels of granularity, we present how to minimize bank conflicts considering all three related sub-problems, for various RA organizations. We also present data tiling and evaluate a conflict-free scheduling algorithm as a way to eliminate bank conflicts for a certain class of mapping problem.

Bank-Specific Determinants of Loan Growth in Vietnam: Evidence from the CAMELS Approach

  • NGUYEN, Hoang Dieu Hien;DANG, Van Dan
    • The Journal of Asian Finance, Economics and Business
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    • v.7 no.9
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    • pp.179-189
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    • 2020
  • The paper empirically examines the bank-specific determinants of loan growth in the Vietnamese banking system for the period from 2007 to 2019. We approach the CAMELS framework and employ the dynamic panel regression to determine the effects of each CAMELS factor on bank lending. To ensure the robustness of results, we also use alternative definitions of the variables and different specifications with and without full sets of CAMELS components. With these settings, we display multiple important results. (i) We find that a large capital buffer tends to boost bank lending expansion faster. (ii) High asset quality might positively contribute to high loan growth; in other words, banks subject to high credit risk are discouraged from making loans. (iii) Less efficiently managed banks are more likely to adopt an aggressive lending strategy, highlighting the moral hazard incentives of Vietnamese banks. (iv) More profitable banks with excellent competitive advantages could expand their lending activities to a larger extent. (v) Liquidity is positively related to the loan growth of banks. (vi) Perceived interest rate risk tends to suppress loan growth since interest-rate-sensitive banks might be concerned about the adverse effects of unpredictable adverse changes in interest rates in the future.

The Impact of Horizontal Mergers on the Performance of the Jordanian Banking Sector

  • AL-HROOT, Yusuf Ali;AL-QUDAH, Laith Akram;ALKHARABSHA, Faris Irsheid
    • The Journal of Asian Finance, Economics and Business
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    • v.7 no.7
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    • pp.49-58
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    • 2020
  • This paper examines the impact of mergers on the financial performance of the Jordanian banking sector. This paper applies the financial approaches in analysing the effects of mergers on Jordanian banks' performance for two the periods: four years pre-merger and four years' post-merger for the period from 2001 to 2009. The sample of the study solely contains the case of the merger of the Jordan Ahli Bank (AHLI bank) with Philadelphia Bank in 2005. Data are tested for normality using the Shapiro-Wilk Test and Kolmogorov Smirnov test. The financial ratios and a statistical technique as a Mann-Whitney U test were used to assess the significant differences in the financial performance of the selected banks pre- and post-merger by investigating the performance-related financial ratio groups that are expressed by leverage, liquidity, efficiency, and cash flow ratio. The results show that there is an insignificant improvement in the ratios of AHLI bank in the period after the merger, except for the superior result provided by this study indicating that the leverage ratios improved significantly. The reason for the insignificant improvement in financial ratios may be that the post-merger period corresponds to the period of the global financial crisis that began in 2007.

Study on the Prediction Method of Ship′s Powering Performance Using the Data Bank (데이터뱅크를 이용한 선박 저항추진성능 추정 기법 연구)

  • Eun-Chan Kim;Kuk-Jin Kang
    • Journal of the Society of Naval Architects of Korea
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    • v.32 no.2
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    • pp.68-74
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    • 1995
  • The statistical analysis system is necessary to predict the resistance and powering performance quickly and precisely at the initial design stage. The authors propose the several functions of the performance prediction program and the structures of data bank. The program includes several series charts, regression coefficients and adapted regression analysis method based on the data bank to predict the resistance and propulsive coefficients. The calculation procedure to find out the principal dimensions and open-water efficiency of the optimum propeller is also included. The evaluation for the program and data bank is conducted by the arbitrarily selected 14 ship models. The results show good agreement with experiments within 5% mean prediction error.

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A Development of the Electric Power Supply System for PRT Vehicle (PRT 차량의 전력 공급시스템 개발)

  • Kim, Baek-Hyun;Jeong, Rag-Gyo;Chung, Sang-Gi;Kang, Seok-Won
    • The Transactions of The Korean Institute of Electrical Engineers
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    • v.62 no.2
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    • pp.196-200
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    • 2013
  • In this paper, the design of PRT vehicle power supply system is discussed. Since there is no power feeding line facilities in PRT system under development, the PRT vehicle must have its own energy storage device on board. For the energy storage device, ultra-capacitor bank is applied due to its fast charging capability and long life time. Charging the Ultra-capacitor bank is performed by wireless inductive power transfer system. The capacitor bank is charged up in less than 10 seconds when the vehicle is traveling by passenger stations. In this paper the design of the ultra-capacitor bank and the wireless inductive power transfer system for the PRT vehicle are discussed. Tests are conducted for the both system and the result shows the efficiency of the wireless inductive power transfer system is higher than 80%.

Measurement of Multi Conflict Avoidance for Free flight Efficiency (자유비행 다중 충돌회피 효율성 측정 연구)

  • Lee, Dae-Yong;Kang, Ja-Young
    • Journal of Advanced Navigation Technology
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    • v.16 no.2
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    • pp.197-203
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    • 2012
  • In this paper, study the substantial issues which occurs upon free flight environment by performing separation assurance under multiple conflict(over 3 Aircraft), recovery en route under the terms of time constrains and fixed way point after the conflict avoidance, correlations between conflict detection distance and separation assurance by utilizing Autonomous flight algorithm. Result of this experiment demonstrates that the extension of detection distance is advantageous to solution of separation assurance and enhancing of flight efficiency, choose to maneuver by applying time constrain terms and fixed way point according to the situation of conflict prediction in case of recovery maneuver after the conflict avoidance. And separation assurance can be solved by applying 2 degrees or more of bank angle. When choosing the optimal bank angle could be drastically improved flight efficiency.