• 한국산학기술학회논문지
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• 제16권1호
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• pp.255-265
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• 2015

은행 산업의 글로벌화에 따라 은행의 내실이 중요해지고 있다. 내실을 위해 은행의 효율 생산성이 중요해짐에 따라 은행은 이를 향상시켜야 한다. 효율 생산성을 강화시키기 위해 은행의 현 상황을 분석할 방법론이 필요하나 부족한 상태다. 따라서 본 연구에서는 효율성 측정방법론인 DEA중 BCC모델과 생산성 측정방법론인 Malmquist모델을 기반으로 하여 은행의 효율 생산적 위치를 분석할 수 있는 진단방법론을 개발하였다. 모델의 타당성을 검사하기 위해 2007년부터 2012년까지의 은행 데이터를 기반으로 조사 분석을 실시하였다. 분석결과 본 연구의 BCC - Malmquist모델과 당시의 은행위치가 유사함을 분석할 수 있었다. 또한 2012년의 데이터에 나온 결과 값을 바탕으로 2013-2014년에 각 은행이 취한 효율 생산성 향상 방법이 흡사함을 분석 가능하였다. 따라서 본 분석방법론은 은행의 효율 생산적 위치를 파악하기 용이하며, 타 분야에 적용함으로써 경영전략적 시사점을 제공가능하다 사료된다.

• Asia Marketing Journal
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• 제15권1호
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• pp.23-42
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• 2013

To overcome the profitability challenge these days, many global banks are increasingly focusing on cost efficiency through more efficient banking processes, such as online and mobile banking, whereas a number of other banks choose to differentiate their services for retaining and attracting the most valuable customer segment (Deloitte, 2011). While global banks in the retail banking industry are adopting either of these two business models as a strategic choice for their long-term growth, KB Kookmin Bank, one of the leading retail banks in South Korea, has begun to operate 'KB Rockstar' as a strategic channel, particularly designed to target college students in the youth market. The new marketing strategy has resulted in a positive impact on its brand image in customers' perception as well as a drastic increase in the number of youth customers. In this study, we analyze the case of 'KB Rockstar' and summarize the key factors for its success from a marketing perspective. First, 'KB Rockstar' is not simply a good channel strategy, but an innovative marketing strategy that aligns place, product and promotion together in order to create a synergy effect, resulting in the successful implementation of the bank's targeting strategy. Second, the strategy effectively establishes 'KB Rockstar' as a brand targeted to youth customers while also competently strengthening the image of the corporate brand, KB Kookmin Bank. The skillful implementation of organically combined marketing mix strategies has enabled the successful launch of the bank's sub-brand. Third, the strategy considers a retail bank branch as not only the place that makes sales transactions in order to generate short-term profits, but also the place that builds a long-term relationship with customers in order to maximize their lifetime values in the long run.

• 한국정보컨버전스학회논문지
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• 제8권1호
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• pp.13-23
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• 2015

본 연구에서는 최근 수익성이 날로 약화되고 있는 은행산업의 현 상황을 살펴보고, 수익성 약화요인은 무엇이며, 그 해결방안은 무엇인지를 검토하여, 은행산업의 수익성을 강화할 수 있는 몇가지 방안을 제시하면 다음과 같다. 첫째, 업무영역의 확대이다. 은행과 타 업종간의 합병을 통해 은행의 새로운 수익을 창출할 수 있는 업무의 확대가 절실히 필요하다. 둘째, 고부가가치 사업으로의 재편이다. 예금과 대출의 갭에 의한 이윤이 아닌, 고부가가치 영역을 발굴하여 수익성을 극대화할 수 있는 전략이 마련되어야 한다. 즉 은행의 영업 전략을 단기적인 수익성 확보가 아닌 장기적인 수익성을 고려한 상품운영이 필요하다. 셋째, 내부조직의 슬림화이다. 조직의 슬림화는 반드시 단기성 수익성을 고려한 구조조정이 아니라 은행의 미래와 관련된 업무의 효율성을 기반으로 하는 조직의 재편이 필요하다. 넷째, 예금 및 여신 금리의 차별화이다. 은행의 수익성 및 리스크를 반영한 예금, 여신상품을 이용하여, 은행의 수익성을 강화하여야 한다. 다섯째, 해외 진출 활성화이다. 은행업의 해외시장 확보를 통한 수익성 강화가 은행산업의 미래운명이 결정될 수 있다.

• The Journal of Asian Finance, Economics and Business
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• 제8권1호
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• pp.457-470
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• 2021

The banking system provides a number of important functions for the economy and is also the lifeblood and financier of the economy in each country. Large amounts of idle money have not been exploited by banks; however, banks still depend on loans, including loans from foreign banks, to meet the growing demand, as such, for banks, the cost of capital is high, the stability and business efficiency are low and banks have not promoted their internal resources to grow steadily. To achieve the goal, this research analyzes the factors affecting the choice of bank for the deposit decisions of customers in Vietnam. The study used a sample data of 250 individuals and SPSS software was used to analyze the data. The results showed that customer policy has a positive effect on customers' deposit decisions in a bank, and this is new evidence regarding behavioral theory in the case of Vietnam. Results further demonstrated that other factors such as employee image, brand, interest rate, relative influencing, and transaction time positively impact the choice of bank for the deposit decisions of customers. However, the bank's promotion strategies had no impact on the choice of bank for the deposit decisions of customers. Besides, employee image is the most influential factor in the deposit decisions, followed by the bank's brand and interest rate.

• 유통과학연구
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• 제19권8호
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• pp.13-24
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• 2021

Purpose: This research is aimed to explore factors affecting on Kazakhstan's pharmaceutical distribution industry, selection of various factors and assessment of the level of their influence. Based on the literature review it was defined that there is a great variety of scientific works relating to pharmaceutical distribution industry competitiveness and management improvement. Research design, data and methodology: There is very little research, which to determine the issues of pharmaceutical industry distribution in developing countries, in particular EAEU countries. The algorithm was chosen for research provision: statistical and comparative analysis, correlation, and regression analysis. The data of 1993-2020 obtained from the World Bank, Bureau of National Statistics, National Bank of Kazakhstan, which is expressed by 19 factors as macroeconomic indicators. Results: The chosen variables were selected non-randomly, these economic indicators had the most reliable, unique, and utmost for the whole research period complete information. Conclusions: There could be made adequate conclusions of the research, there is a strong positive relationship for six factors: population, GDP per capita, average annual US dollar exchange rate, the minimum pension, average assigned monthly pension, minimum wage. Pension and wage are the most significant factors affecting on the pharmaceutical distribution industry in Kazakhstan.

• The Journal of Asian Finance, Economics and Business
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• 제7권11호
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• pp.759-768
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• 2020

The purpose of this study is to assess the state of competition in Nepalese banking over the period from 2010 to 2019. This study employs panel data and a non-structural Panzar-Rosse model to measure the degree of competition in the Nepalese banking industry. The first reduced-form equation is applied to gauge competition, and the second model is used to test the long-run equilibrium in the banking market. The finding reveals that the Nepalese banking market is equilibrium in the long-run. It implies that the factor prices do not affect ROA in the long-run. The result of the H-statistic shows that the Nepalese banking system is operating under the state of perfect competition and is shifted from monopolistic competition to perfect competition. The reduced-form model reveals that the interest income is positive and significantly affected by factor prices. Similarly, the macroeconomic variable GDP growth is positively related to interest income. On the contrary, the bank's specific factors risk and the number of bank branches are inversely associated with the regressand. The outcomes of the study may be advantageous to the policymakers, especially to Nepal Rastra Bank to implement monetary policy and M&A policy for the stability and growth of the financial system of Nepal.

• The Journal of Asian Finance, Economics and Business
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• 제10권1호
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• pp.1-8
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• 2023

The banking industry regulators have imposed on commercial banks to maintain a certain level of liquidity to ensure that they can meet their obligations to the depositors and third parties. This study examines the factors influencing liquidity creation among commercial banks in Uzbekistan. Specifically, this study examines three internal factors namely, risk assets, deposits, and inter-bank loans on the creation of liquidity in commercial banks of Uzbekistan. This study uses content analysis on financial reports of 33 commercial banks in Uzbekistan over 21 years. This study shows all the factors chosen in this study significantly influence liquidity creation among the commercial banks in Uzbekistan. While deposits and inter-bank loans significantly and positively influence liquidity creation, this study shows that risk assets significantly and negatively influence liquidity creation. Further analysis shows that these three factors contribute to a 92.4% variance in liquidity creation among commercial banks in Uzbekistan. The findings of this study provide valuable insights to the stakeholders in the banking industry on the factors influencing liquidity creation in banks. In addition, this study adds to the existing literature by providing insight into the internal factors' role in influencing liquidity creation in the context of an emerging economy.

• 품질경영학회지
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• 제39권4호
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• pp.527-542
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• 2011

The importance of service industry in national economy is getting increasing due to current trend of aging society and increasingly desire for better quality of life. However, the level of labor productivity in domestic service industry is lower than Japan and Germany that are typically strong in manufacturing industry. Difficulty of process control and measurement in accordance with variability and intangibility which are features of service industry, is considered as the cause of this poor labor productivity in Korea. This study aims to present managerial implications by calculating sigma levels on branch bank service quality and suggesting the quality dimensions of banks can be checked through a gap comparison between the sigma level on service quality in the whole banks and service quality in each bank. Quality level presented by the KS-SQI is applied to the measurement method that Yoo Han Joo and Song Kwang Seok suggested in 2006. Spss18.0 is used as an analysis tool. As a result of factorial analysis, 7 dimensions of service quality in KS-SQI can be divided into new 3 dimensions of service quality. This study also suggests that width and number of questions in previous questionnaire shall be extended. The whole of the bank service quality level is evaluated 3 sigma. The research help banks to figure out their service quality level through gap comparison objectively.

• 통상정보연구
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• 제10권3호
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• pp.265-290
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• 2008

Domestic industries are facing the open era as a result of signing the Korea-U.S. FTA with no exception to the financial industry. The FFA between two countries is expected to produce pros and cons for domestic financial industry. Therefore, it is very important to minimize the shock caused by opening our financial market and to adopt the advanced financial tools actively. Signing the Korea-U.S. FTA and enforcing the Integration Law of Capital Market are leading a big crisis to the Savings Banks which have been shrinking under the dramatically changing domestic financial environment since the financial crisis. To cope with financial globalization, Korean Savings Banks are demanded to build up their concrete identity and reposition their status. This is related to shaping the long-term position of domestic financial industry. Therefore, the Savings Banks must take the growth strategy for their survival, and it is an inescapable choice. Several options are available: big scale operation and diversification of business functions, reinforcement of local-focused mediating function of funds, establishment of strategic alliance with other financial firms, reinforcement of risk management system and core competence, nourishment and employment of professional manpower, and active deregulation and policy support. When the Savings Banks are refurbished as an independent local bank performing the central role of local finance, the bright future can be their destiny under the enormously changing global financial environment. Also, two more conditions need to be satisfied: to establish horizontal networks among local banks directed by cooperative Korea Federation of Savings Banks to reverse the weak scale position, and to satisfy their own peculiar niche market with internal countermeasure to face global financial networks.

• 한국콘텐츠학회논문지
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• 제5권6호
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• pp.351-359
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• 2005

최근 IT 분야에서 관심사는 유비쿼터스 기술의 도입을 통해 사회, 경제전반의 효율화를 추구하기 위한 연구가 활발하게 진행되고 있다. 이 가운데 본 연구에서는 서비스 분야의 하나인 금융기관의 고객 서비스 지원기술 개발과 관련해서 e-CRM에 신기술 개념인 유비쿼터스 기술 접목을 통해 on-line상에서 진행되어 오던 고객 서비스를 효과적으로 지원하기 위한 기술개발 개념을 제시하고자 한다.