• 제목/요약/키워드: Bank industry

검색결과 363건 처리시간 0.022초

한방의료 관련 산업의 국민경제적 기여도 및 파급효과 (Input-Output Structure and Economic Effects of Oriental Medicine Industry in Korea)

  • 김진현;임병묵
    • 대한예방한의학회지
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    • 제8권1호
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    • pp.163-186
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    • 2004
  • The purpose of this parer is to identify the input-output structure of oriental medicine and its alternative medicine industries in an inter-industry context and to estimate its forward and backward effects on macroeconomic variables such as production, employment and price level. Input-output tables released by The Bank of Korea were used as data in this research and inter-industry analysis was adopted as research methodology. The industry takes less share of production, price and trade in a Korean economy, compared with other industry. However, the industry's capability of creating value added is estimated to be well above that of other industry and that of making new employments is as more than 4 times as other industries. This result gives us policy implications that the government should enhance its subsidy policy and economic (tax) incentives for oriental medicine and its related alternative medicine industries.

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솔라 램프뱅크 내의 열유동 수치해석에 관한 연구 (A Study on Numerical Analysis of Thermal Flow in Solar Lamp Bank)

  • 김성대;유성열;백상화;이정용;박소진;김철주;고한서
    • 한국군사과학기술학회지
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    • 제11권2호
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    • pp.136-143
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    • 2008
  • A three-wavelength solar bank is a very important part for a solar simulator with commercial superlux lamps. It is projected metal halide lamps to satisfy following points simultaneously: $\pm$10% of uniformity for irradiance of target area and irradiance in each wave region, and $1,232W/m^2$ of maximum solar irradiance in summer. The developed solar lamp bank has been analyzed numerically by commercial programs in this study to carry out experiments. In conclusion, designed B-type heat lamp is not concentrated in one place than designed A-type heat lamp, it is spreaded widely, and it was proved numerical computation. We suggest that solar simulator is applied to actual experiment test through heat flow numerical analysis in solar lamp bank and the lamp is applied private industry or the military using complex environmental assessment test.

제주넙치 양식산업의 경제파급 효과분석 (Economic Impact Effect Analysis of Flounder Aquaculture Industry in Jeju)

  • 김진옥;강석규
    • 수산경영론집
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    • 제42권1호
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    • pp.85-96
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    • 2011
  • We have done the input-output analysis to see the over all impact of flounder industry of Jeju region on the domestic economy of Korea. To do the input-output analysis, we have constructed the data set for the input-output table by using the existing data set in the "2003 input- output table of Jeju regional area" published by the joint work of Jeju branch of Korea bank and the Jeju Development Institute, together with some raw data provided by Jejudo Marine Fish-Culture Cooperative. We have also produced input coefficient of flounder industry by making flounder industrial sector exogenous, separated from intermediate demand. To summarize our empirical results, the inducement effect of production, value added, and employment of Jeju flounder aquaculture industry are 300 billion won, 116 billion won and 1,800 people respectively. In conclusion, the results of this study suggest flounder industry of Jeju region contributes powerfully to not only Jeju economy but also all over the Korea economy.

우리나라 제조업 기업의 수출중단 결정요인 분석 (Determinants of a Firm's Exit from Exporting: Evidence from Korean Manufacturing Firms)

  • 남윤미;최문정
    • 경제분석
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    • 제26권4호
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    • pp.98-136
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    • 2020
  • 본 연구는 2006~2014년 통계청의 기업활동조사 자료를 이용하여 우리나라 제조업 기업의 수출중단 결정요인을 실증적으로 분석하였다. 이를 위해 생존분석 기법인 Complementary Log-Log 모형을 통해 우리나라 제조업 수출기업의 수출중단 가능성에 기업 및 산업 특성과 거시경제 변수들이 미치는 영향을 추정하였다. 분석결과, 기업 특성인 고용규모, 자본집약도, 무형자산 소유여부, 외국인 소유여부와 산업 특성인 신규기업의 고용대체율 등이 수출중단 가능성에 유의한 영향을 미치며, 거시변수 중 세계수요 증가, 국내수요 감소가 수출기업의 수출중단 가능성을 유의하게 감소시키는 반면, 환율의 영향은 유의하지 않은 것으로 추정되었다. 또한, 시장금리가 상승하면 금융시장 자금조달여건이 불리해짐에 따라 수출기업의 수출중단 가능성이 커지며, 부채비율이 높은 기업이 이러한 금융여건의 영향을 더욱 크게 받는 것으로 나타났다. 한편, 수출 주력산업인 경우 생산성이 높을수록 수출기업의 수출 중단 가능성이 감소하는 것으로 분석되었다. 본 연구결과는 기업 및 산업 특성과 거시 실물 변수 및 금융여건이 수출중단에 복합적으로 영향을 미치고 있음을 보여준다. 또한, 수출 주력산업 내 기업들의 생산성 제고와 기업의 재무건전성 향상이 수출기업들의 수출중단 가능성을 감소시키는 방향으로 작용할 수 있음을 시사한다.

XML기반 문제은행 시스템의 설계 및 구현 ((Design and Implementation of XML-based Item Bank Systems))

  • 김영기;이철환;한선관;한희섭
    • 한국컴퓨터산업학회논문지
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    • 제3권9호
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    • pp.1215-1222
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    • 2002
  • 본 논문은 XML을 이용하여 통합적인 문제를 생성, 검색 및 교육에 적용할 수 있는 XML기반 문제은행 시스템의 설계 및 구축에 관한 연구이다. 표준화된 문제를 학습자에게 제공하기 위하여 문제의 표준 유형을 분석하고 이를 XML DTD로 설계하였다. 설계된 표준안을 적용하여 초등학교 수학 교육용 문제를 추출하였으며 관계형 DB를 이용하여 문제은행을 구축하였다. 또한 XML파서와 문제 해석기를 구현하여 표준화된 문제를 온라인으로 학습자에게 제공하였다. 시스템의 활용 결과 온라인 교육에 필요한 평가용 문항을 학습자에게 적절하게 제공하고 웹 상의 비표준화된 문제들을 통합시키는데 매우 효율적으로 적용시킬 수 있음을 보였다.

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Determinants of Profitability in Commercial Banks in Vietnam, Malaysia and Thailand

  • DAO, Binh Thi Thanh;NGUYEN, Dung Phuong
    • The Journal of Asian Finance, Economics and Business
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    • 제7권4호
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    • pp.133-143
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    • 2020
  • The paper investigates the factors affecting the profitability of commercial banks in Asian developing countries, including Vietnam, Malaysia and Thailand. We use panel data of four entities; ten banks in Vietnam, eight banks in Malaysia, nine banks in Thailand and all 27 commercial banks from the period 2012 to 2016. Particularly, Return on Asset, Return on Equity and TOBINQ are defined as profitability indicators, which are impacted by three main types of independent variables, namely bank-specifics, which include CAR, NPL, Cost to income, Liquidity ratio and Bank size, industry-specific variable-concentration HHI and macroeconomic-specific variables, which consist of GDP growth and Inflation. Using panel data regressions, the paper identifies several similarities and differences among empirical results on the models of four entities, each of three countries and the overall sample. The most outstanding similarity is that all entities record the significantly negative relationship between operational risk and banking profitability. Likewise, the significantly negative influence of bank size to profitability is found on models of Vietnam and Thailand and no significant effect on the model of Malaysia. Meanwhile, the most controversial result comes up with the negative relationship between CAR and profitability indicators as well as the positive association between credit risk and banking profitability.

The Effect of Lending Structure Concentration on Credit Risk: The Evidence of Vietnamese Commercial Banks

  • LE, Thi Thu Diem;DIEP, Thanh Tung
    • The Journal of Asian Finance, Economics and Business
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    • 제7권7호
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    • pp.59-72
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    • 2020
  • This paper examines whether lending structure can lower credit risk by employing econometric techniques of panel data for the Vietnamese banking system at the bank level used by economic sectors from 2011 to 2016. New light is being shed on assessing the impact of each industry's debt outstanding on credit risk. Adopting findings from previous studies, we assess credit risk from two different sources, including loan loss provision and non-performing loan. Moreover, we also focus on observing lending structure in many different aspects, from concentrative levels to the short-term and long-term stability levels of lending structure. The Generalized Method of Moments (GMM) estimator was applied to analyze the relationship between concentration and banking risks. In general, the results show that lending concentration may decrease credit risk. It is interesting to observe that the Vietnamese commercial bank lending portfolios have, on average, higher levels of diversity across different sectors. In particular, the increase in hotel and restaurant lending contributes to decrease credit risk while the lending portfolios of banks in agriculture, electricity, gas and water increase credit risk. This study suggests the need for further analysis and research about portfolio risks in lending activities for maintaining efficiency and stability in the commercial banking system.

Impacts of Financial Distress and ICT on Operating Performance and Efficiency: Empirical Evidence from Commercial Banks in India

  • RAWAL, Aashi;RASTOGI, Shailesh;SHARMA, Rahul;RASTOGI, Samaksh
    • The Journal of Asian Finance, Economics and Business
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    • 제9권6호
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    • pp.105-114
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    • 2022
  • With the help of this study, we aim to investigate the influence of Financial Distress (FD) and information and communication technology (ICT) on the operating performance and efficiency of banks in the Indian banking sector. FD can be defined as a position in which a company or individual is not in a condition to fulfill their promise of paying their obligations on time. The term "financial distress" refers to a situation in which a corporation or individual is unable to keep their promise of paying their debts on time. In this work, panel data analysis (PDA) was used to analyze data from 33 Indian banks over ten years (2010 to 2019). According to the findings, FD has a positive and significant impact on bank operational performance and efficiency. The current study will give the banking industry a better understanding of how a bank's performance can be negatively impacted by distressing conditions that render it inefficient and ineffective. Second, it will show investors how the level of distress can have a significant impact on bank performance in the market, finally resulting in the loss of money invested.

Determining Dimensions of Job Satisfaction among Employees: Evidence from Commercial Bank Industries in Bangladesh

  • Md. Sayed, UDDIN;Md. Atikur, RAHAMAN;Wasib Bin, LATIF
    • The Journal of Asian Finance, Economics and Business
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    • 제10권2호
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    • pp.195-201
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    • 2023
  • Since the banking industry relies so heavily on strong customer-staff interactions, measuring employee job satisfaction has become a critical problem. To achieve benefits for both individuals and organizations, it is crucial to foster and ensure employee job satisfaction. The main objective of this study is to determine the influencing factors of employees' job satisfaction in commercial banks in Bangladesh. This study focused on some significant factors such as employee empowerment, job security, management support, and attractive compensation in an organization. In terms of research purpose, non-probability convenience sampling has been used, and the study is quantitative in nature. For data collection purposes, an online survey questionnaire was prepared based on previously published articles. The targeted population was the bank employees of commercial banks in Bangladesh where the final sample size was n = 200. For analyzing the collected data, SPSS 26.0 version has been used to test the study model and the proposed hypotheses. This study also shows that employee empowerment, job security, management support, and attractive compensation have positive and significant effects on employees' job satisfaction at the workplace. Finally, this study has offered some extraordinary directions and implications for future research on commercial bank authorities in Bangladesh.

Investor Sentiment Timing Ability of Mutual Fund Managers: A Comparative Study and Some Extensions

  • CHUNHACHINDA, Pornchai;WATTANATORN, Woraphon;PADUNGSAKSAWASDI, Chaiyuth
    • 유통과학연구
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    • 제20권9호
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    • pp.83-95
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    • 2022
  • Purpose: This study aims to explore an ability to time market-wide investor sentiment of mutual fund managers in an emerging market. Research design, data, and methodology: Based on data of Thai mutual fund market over the period of 2000-2019, our sample includes 283 equity funds, consisting of 204 bank-related funds and 79 nonbank-related funds. We perform our regression analyses at the aggregate and portfolio levels. Results: Under the non-normal distribution of return, we find different behaviors between the best- and worst-performing funds in an ability to time market-wide investor sentiment in Thailand, which is dissimilar to the findings in the U.S. Bottom fund managers act as sentiment hedgers, who decrease (increase) an exposure of investment portfolios when the investor sentiment is high (low). Oppositely, top fund managers are likely to chase investor sentiment. Conclusion: We find that only the worst-performing fund managers, especially for bank-related funds are able to time the market-wide investor sentiment. An advantage of gaining information from their bank's clients is a key success. A competition in the mutual fund industry, an ability to predict fundamentals, and financial literacy are possible reasons to explain the main findings found in this study.