• Industrial Engineering and Management Systems
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• 제14권4호
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• pp.347-371
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• 2015

A hybrid procedure based on multi-Criteria Satisfaction Analysis (MUSA) and a Network Data Envelopment Analysis (NDEA) is proposed to evaluate the relative efficiency of customer services in bank branches. First, a three-stage process including sub-processes such as customer expectations, customer satisfaction, and customer loyalty, is defined to model the banking customer services. Then, fulfillment of customer expectations, customer loyalty level, and the customer satisfaction degree are measured and quantified through a multi-dimensional questionnaire based on customers' perceptions analysis and MUSA method, respectively. The customer services scores and the other criteria such as mean of employee evaluation score, operation costs, assets, deposits, loans, number of accounts are considered in network three-stage DEA model. The proposed NDEA model is formed based on multipliers perspective, output-oriented, and constant return to scale assumptions. The proposed NDEA model quantifies and assesses the total efficiency of main process and assigns the efficiency to customer expectations, customer satisfactions, and customer loyalties sub-processes in bank branches. The whole procedure is applied on 30 bank branches in IRAN. The proposed approach can be used in other organizations such as airports, airline agencies, urban transportation systems, railway organizations, chain stores, chain restaurants, public libraries, and entertainment centers.

• The Journal of Asian Finance, Economics and Business
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• 제5권2호
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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.

• 대한조선학회논문집
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• 제32권2호
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• pp.68-74
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• 1995

선박의 초기설계 단계에서 저항 추진 성능을 손쉽고도 정확히 추정하기 위해 통계해석 기법을 유용하게 사용하고 있다. 본 연구에서는 저항추진 성능 추정 프로그램에 필요한 기능들과 데이터뱅크의 구조를 제안하였다. 개발된 프로그램에는 저항 추진 계수를 추정하기 위한 여러 가지 도표와 회귀식이 포함되어 있으며, 데이터 뱅크를 이용한 일관회귀분석도 포함되어 있다. 또한 프로펠러 주요치수와 단독효율을 추정하기 위한 프로펠러의 간략한 설계 과정도 포함되어 있다. 프로그램의 기능과 데이터 뱅크의 정도를 검증하기 위해 임의의 선형 14 척에 대한 추정을 수행하였으며, 5% 이내의 좋은 추정 정도를 보여주고 있음을 확인하였다.

• 전기학회논문지P
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• 제63권2호
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• pp.61-68
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• 2014

Function of battery bank stores energy for DC load in general, and DC power system of the nuclear power plant is used to supply DC loads for safety- featured instrumentation and control such as inverter, class 1E power system control and indication, and station annunciation. Class 1E DC power system must provide a power for the design basis accident conditions, and adequate capacity must be available during loss of AC power and subsequent safe shutdown of the plant. In present, batteries of Class 1E DC power system of the nuclear power plant uses lead-acid batteries. Class 1E batteries of nuclear power plants in Korea are summarized in terms of specification, such as capacity, discharge rate, bank configuration and discharge end voltage, etc. This paper summarizes standards of determining battery size for the nuclear power plant, and analyzes duty cycle for the class 1E DC power system of nuclear power plant. Then, battery cell size is calculated as 2613Ah according to the standard. In addition, this paper analyzes performance test results during past 13 years and shows performance degradation in the battery bank. Performance tests in 2001 and 2005 represent that entire battery cells do not reach the discharge-end voltage. Howeyer, the discharge-end voltage is reached in 14.7% of channel A (17 EA), 13.8% of channel B (16 EA), 5.2% of channel C (6 EA) and 16.4% of channel D (19 EA) at 2011 performance test. Based on the performance test results analysis and size calculation, battery capacity and degradation by age in Korearn nuclear power plant is discussed and would be used for new design.

• 디지털융복합연구
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• 제12권5호
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• pp.131-138
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• 2014

은행의 경영컨설팅은 은행과 기업의 상호발전에 도움을 주는 상생관계를 갖을 것으로 기대한다. 기존 연구들도 컨설팅을 받은 후 기업의 경쟁력 제고와 경영성과에 긍정적인 영향을 미칠 것으로 연구되고 있다. 그럼에도 불구하고 현재 컨설팅 수진 여부에 따라 기업의 경쟁력이 강화되고 그에 따라 경영성과가 제고되는지에 대한 연관관계를 분석해 그 결과를 설명해주는 실증연구는 거의 없는 것으로 조사되었다. 본 논문은 은행의 경영컨설팅이 수진기업의 경영성과 및 은행기여도에 미치는 영향력을 실증적으로 분석하였다. 수진기업 측면에서는 경영컨설팅을 받기 전과 후의 기업의 재무성과인 안정성, 수익성, 성장성을 비교분석 하였고, 은행 측면에서는 수진기업의 은행에 대한 기여도를 측정하기 위하여 예금과 대출의 최근3개월 평잔의 변화를 측정하여 검증하였다. 연구결과 컨설팅을 받은 이후 수진기업의 재무 안정성의 항목인 부채비율과 성장성 항목인 매출액 증가율에서 유의미한 영향을 미치는 것을 확인하였다.

• The Journal of Asian Finance, Economics and Business
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• 제8권10호
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• pp.327-339
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• 2021

This study examines the impact of bank restructuring on the financial performance of commercial banks in Vietnam. The data for this study was obtained from the audited financial statements of 30 Vietnamese commercial banks from 2007 to 2019. Multiple regression analysis was used for investigation. Financial performance, as evaluated by ROAA, ROEA, and NIM, is the dependent variable. Financial restructuring, ownership restructuring, and operational restructuring are the independent variables. Pooled least squares (Pooled OLS), fixed effects model (FEM), random effects model (REM), and system generalized moment regression model (System GMM) are the estimate methods used to increase the accuracy of the regression coefficient. The research results show that the variables of financial restructuring activities such as government intervention and the ratio of equity to total assets; variables of ownership restructuring such as capital adequacy ratio, privatization of state-owned commercial banks, mergers, and acquisitions; variables of operational restructuring such as employees, branches, the cost to total assets; GDP variables and the second restructuring period have a positive impact on financial performance. Variables such as debt-to-capital ratio, bad debt ratio, state ownership ratio, expense-income ratio, and inflation have a negative effect on financial performance.

• 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.

• 대한전자공학회논문지SP
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• 제41권6호
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• pp.279-283
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• 2004

음성신호의 스펙트럼으로부터 MFCC를 추출할 때, 일반적으로 필터뱅크의 처리과정에서 삼각형 형태의 필터를 사용한다. 그러나 더 나은 인식성능을 위해, 훈련 음성데이터의 스펙트럼에 PCA를 적용하여 필터뱅크의 필터형태를 최적화하는 PCA-optimized 필터뱅크 방법이 Lee et al. 에 의해 제안되었다. 본 논문에서는 대용량의 4연숫자 전화음성 DB를 사용하여PCA-optimized 필터뱅크 기반의 MFCC 특징파라미터를 추출하고 인식실험을 수행한 후, 기존의 삼각형 형태의 필터를 사용하는 MFCC와 각 대역별 로그에너지로 가중시켜서 얻어지는 MFCC와의 인식성능을 비교하였다. 실험결과, PCA-optimized 필터뱅크 기반의 MFCC 특징파라미터가 기존의 삼각형 형태의 필터뱅크 기반 MFCC에 비해 조금 향상된 인식률을 나타내었지만, 각 대역별 로그에너지로 가중치를 주어 얻어지는 MFCC보다는 인식률이 떨어졌다.

• 무역상무연구
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• 제39권
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• pp.59-85
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• 2008

An independent bank guarantee(aka an independent guarantee) is provided as an security on a principal obligor's performance of his obligation, and a guarantor should pay the guaranteed amount only upon a beneficiary's written demand. A standby letter of credit has been used in the United States, since it was construed that a bank should not issue a guarantee. There was wide misunderstanding that a standby letter of credit differs from an independent bank guarantee. However, a standby letter of credit is the same security as an independent bank guarantee, and in international business a standby letter of credit is not differentiated from a independent bank guarantee. An independent bank guarantee are independent from the underlying contract, unconditional, and irrevocable. And a guarantor should pay upon written demand without proving a principal obligor breaches the underlying contract. These features of an independent bank guarantee has been abused in international transactions. Thus it has been proposed that some exceptions to the features of an independent bank guarantee should be allowed. United Nations Convention on Independent Guarantees and Standby Letter of Credit(1995) stipulates some exceptions to payment obligation. Export bond insurance, a part of export insurances, operated by the Korea Export Insurance Corporation under the Export Insurance Act, is used as a security for unfair calling by a beneficiary under an independent bank guarantee. Most of the export subsides by the government are prohibited under WTO's Agreement on Subsidies and Countervailing Measures. However, as export insurance is allowed under the WTO, it operates a significant role in enhancing the export. In the event that export bond insurance is provided for a guarantor, an obligor who is subject to recourse by a guarantor, can be exempt from the recourse in case of unfair calling. The Korea Export Insurance Corporation, an insurer, bears unfair calling risk by a beneficiary. Generally it is understood that a demand shall be made before the expiry of an independent bank guarantee. However this is not absolutely true, it shall be decided by URDG, ISP98, the governing law.

• The Journal of Asian Finance, Economics and Business
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• 제7권6호
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• pp.39-46
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• 2020

Playing an important role in developing the economy and overall developments of the country, commercial banks have to be aware of their crucial presence in order to perform well and contribute significantly. At the same time, as a place to receive deposits, banks are required to be in safe situations to avoid bankruptcy or deal with financial crises. This research seeks to identify the determinants of Capital Adequacy Ratio and Banks' performance as well as the relationship between these two dependent variables. The paper uses 128 observations of 16 Vietnamese commercial banks during the period from 2010 to 2017, with two simultaneous dependent variables CAR and ROE, and independent variables including Return on Assets, Tobin Q, Credit growth, GDP growth, Equity to Deposits, Loans to Deposits, Bank size, Cost to Income, Liquidity risk, Provision for Loan loss ratio, Non-performing loans and Inflation. The results reveal that Capital Adequacy Ratio and Banks' Performance have statistically significant relationship and Credit growth, GDP growth, Equity-to-Deposit ratio and Cost-to-Income ratio all have significant effects on two dependent variables. The findings of this study suggest that commercial banks should control the respective elements in order to maintain adequate level of capital and also create effective performance.