• 한국정보시스템학회지:정보시스템연구
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• 제28권1호
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• pp.17-39
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• 2019

Purpose The purpose of the present study is to analyze the factors influencing the intention to use direct bank continuously from the perspective of service rather than technology. Hygiene factors including economic benefits, privacy, and unverified risks, and convenience of service as a motivator were considered as user's satisfaction. A research model integrating the relationships among user's satisfaction, its determinants, social influence, and continuous intention to use direct banks was proposed. Design/methodology/approach Structural equation modelling for validating the research model was employed. 253 valid data were collected from users of direct bank service in South Korea and China, and used to test six hypotheses. Findings User's satisfaction and social influence were determinants of continuous use intention of direct bank. Convenience of service as a motivator has a significant influence on service satisfaction, while economic benefits, privacy, and unverified risks as hygiene factors have no significant influence on the continuous intention. Managers of direct banks need to implement service differentiation strategies to gain customers' loyalty. Also they seek to find the determinants of social influence. The present study confirmed that there is a big difference between Korea and China in terms of factors affecting the continuous intention to use direct bank.

• 유통과학연구
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• 제20권9호
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• pp.23-28
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• 2022

Purpose: Research on banking sustainability plays an important role in helping banks understand the level of risk in different types of companies. Therefore, this study was conducted to determine the factors affecting the sustainability of Joint Stock Commercia l Banks in Vietnam. Research design, data and methodology: The following theories, the factors affecting the bank's sustainability include: Business model diversification (income diversification), bank size, loan ratio, and net interest margin. Data was collected from Joint Stock Commercial banks in Vietnam from 2015 to 2019. With GLS model on panel data with banks listed on Vietnam stock exchange. Results: The analysis results show that net interest income has a positive impact on the sustainable business results of banks through the rate of return on total assets (ROA). The non-interest income hasn't impact on bank stability. From this result, there aren't positive signs of income diversification in banks. At the same time, with the obtained results, the study also provides a policy implication for banks. Conclusions: The study also provides some policy implications to improve the bank stability. Diversifying income in banks is necessary, but how to make it influential banks has not yet been done. Therefore, the adjustments in non-interest business activities need to be carefully considered by banks.

• 디지털융복합연구
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• 제12권11호
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• pp.215-223
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• 2014

본 연구에서는 은행의 경영컨설팅과 수진기업의 경영성과 및 은행기여도를 분석함으로써 은행과 고객기업의 상생을 위한 방안으로써 경영컨설팅의 중요성 및 문제점을 제시하여, 은행컨설팅의 발전방향에 대한 이론적 기초를 제공하고자 하였다. 은행 컨설팅의 효과로는 수진기업의 경영성과와 은행기여도를 이용하였다. 분석결과 은행의 경영컨설팅 이후 은행과 수진기업의 상호 의존성이 증가하였으나, 수진기업의 수익성 등 경영성과에 일관적으로 유의한 영향을 미치지 못하였으며, 미수진기업과 비교하였을 때 성과가 유의하게 차이가 없는 것으로 나타났다. 이는 지금까지의 은행 컨설팅이 은행과 여신 자산인 대출기업의 정보비대칭을 감소시키는데 기여하였으나, 실질적인 경영성과의 개선을 위하여 장기적인 관점에서의 계획과 노력이 필요함을 암시한다.

• 환경영향평가
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• 제18권6호
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• pp.429-434
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• 2009

Environmental specimen bank (ESB) is a new tool to assess ecosystem in environmental impact assessment (EIA). ESB looks at changes in the concentration of pollutants in human and environmental specimens over long periods of time through retrospective analysis of archived samples. Korea started to design its National Environmental Specimen Bank (NESB) in 2007 and planned to launch an operational pilot project by 2010. NESB prepares five Standard Operating Procedures (SOPs) of shoots of Red and Korean pine, leaves of Mongolian oak, Pigeon's egg, and Common carp's muscle out of 14 planned specimens in 2009. ESB contributes to monitoring the effectiveness of EIA projects and policies by providing a time capsule through ecosystem assessment of representative species. This study reviews ecosystem assessment in EIA and the ESB establishment in Korea and probes NESB applications in ecosystem assessment.

• 컴퓨터교육학회논문지
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• 제7권4호
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• pp.1-6
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• 2004

온라인상에서 교육 내용의 전달은 많은 방법들이 개발되어 있지만 컴퓨터 언어 및 알고리즘의 e-learning과 실습은 웹상에서 프로그램 실습의 어려움으로 인하여 이론과 실습이 병행되지 못하여 왔다. 본 논문에서는 알고리즘을 검색하고 관리할 수 있는 뱅크를 구축하고 실행 인터페이스를 만들어, 학생들이 직접 웹상에서 각각의 프로그램들을 실행시킬 뿐 아니라 프로그램을 수정하여 실행할 수 있도록 하였다. 웹상에서 실습을 통한 알고리즘 뱅크 시스템은 실습 환경 구축과 적응에 대한 어려움을 없앰으로써 컴퓨터 알고리즘 학습에 대한 거리감을 없애는 효과가 있다.

• 한국수자원학회논문집
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• 제41권6호
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• pp.619-628
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• 2008

하천의 호안은 제방 또는 호안을 유수에 의한 파괴와 침식으로부터 보호하기 위한 구조물로서 과거에는 치수 목적만 갖고 기술자의 주관이나 경험적 판단에 기초해 공법을 선정함으로써 시공한 후 여러 문제점들이 발생하였다. 그러나 현재는 치수뿐만 아니라 환경적 측면이 강조되면서 자연형 호안이 필요하게 되고, 호안종류가 다양해져 호안 공법 선정시 보다 객관적이고 정량적인 해석방법이 필요하게 되었다. 본 연구에서는 호안공법 선정시 기존의 방법에서 문제가 되었던 주관적, 경험적 요소를 최대한 배제하기 위해 안정성, 경제성, 시공성, 친환경성에 대한 세부기준 및 표준화 절차를 제시하고, 최적호안공법 선정에 계층분석과정을 도입하였다. 이로써 실무에서 최적의 호안공법을 선택함에 있어 보다 객관적이고 합리적인 판단의 수단을 제공할 수 있을 것으로 기대된다.

• 아태비즈니스연구
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• 제11권3호
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• pp.199-215
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• 2020

Purpose - This article tries to test if the conditional consumption capital asset pricing model (CCAPM) with bank credit for household as a conditional variable can explain the cross-sectional variation of stock returns in Korea. The performance of conditional CCAPM is compared to that of multifactor asset pricing models based on Arbitrage Pricing Theory. Design/methodology/approach - This paper extends the simple CCAPM to the conditional version of CCAPM by using bank credit for household as conditioning information. By employing KOSPI and KOSDAQ stocks as test assets from the second quarter of 2003 to the first quarter of 2018, this paper estimates risk premiums of conditional CCAPM and a variety of multifactor linear models such as Fama-French three and five-factor models. The significance of risk factors and the adjusted coefficient of determination are the basis for the comparison in models' performances. Findings - First, the paper finds that conditional CCAPM with bank credit performs as well as the multifactor linear models from Arbitrage Pricing theory on 25 test assets sorted by size and book-to-market. When using long-term consumption growth, the conditional CCAPM explains the cross-sectional variation of stock returns far better than multifactor models. Not only that, although the performances of multifactor models decrease on 75 test assets, conditional CCAPM's performance is well maintained. Research implications or Originality - This paper proposes bank credit for household as a conditional variable for CCAPM. This enables CCAPM, one of the most famous economic asset pricing models, to conform with the empirical data. In light of this, we can now explain the cross-sectional variation of stock returns from an economic perspective: Asset's riskiness is determined by its correlation with consumption growth conditional on bank credit for household.

• JSTS:Journal of Semiconductor Technology and Science
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• 제4권3호
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• pp.174-181
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• 2004

In this paper, we review the four receiver architectures and four methods for multi-standard receiver design. Propose reconfigurable RF block can be used for both low-IF and direct conversion architecture. Also, using reconfigurable mixer method, it can be operated at $2{\sim}6$ GHz range for multi-standard receiver. It consists of wideband mixer, filter, and automatic gain control amplifier and to get wide-band operation, $2{\sim}6$ GHz, wide-band mixer use flexible input matching method. Besides, to design multi-standard receiver, LNA bank that support each standard is necessary and it has good performance to compensate the performance of wide-band mixer. Finally, we design and simulate proposed reconfigurable RF block and to prove that it has acceptable performances for various wireless standards, the LNA bank that supports both IEEE 802.11a/b/g and WCDMA is also designed and simulated with it.

• 한국IT서비스학회지
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• 제19권3호
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• pp.1-15
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• 2020

This study applies the Delphi method to design services with convergence characteristics in the financial sector. In designing a service robot for practical deployment that can support and replace bank teller, the opinions and judgments of various expert groups were extracted and a consensus process was made through feedback. A total of six dimensions and thirty service elements were derived over three rounds. Coefficient of Variation and content validity were used to verify the suitability and reliability of the selected service elements. As a result, the essential service element of robots was interaction with customers, followed by basic and professional financial services. Based on these service factors, we proposed two types of service models. support mode to assist employees during business hours and alternative mode on behalf of employees outside business hours. It is hoped that this study will use the Delphi technique in the design of IT convergence services.

• 국제초고층학회논문집
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• 제11권1호
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• pp.31-39
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• 2022

The seamless integration of the architecture and structure of a tall building plays a key role in establishing a recognizable and iconic design. The structural system developed for Shenzhen Rural Commercial Bank Headquarters (SRCBH) utilizes enhanced structural innovations unique to the tower's geometry to improve structural and sustainability performance. SRCBH utilizes a steel diagrid system pulled outside of the enclosure line with diaphragm forces resolved primarily by corner diagonal beams. During the design process the structural systems underwent performance based design and optimization for wind and seismic loading. Resiliency was prioritized for structural design as well as fire resistance. More closely integrating the structure of a building with its architecture and sustainability goals can lead to unique and innovative towers with a timeless expression.