• 한국컴퓨터산업학회논문지
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• 제4권4호
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• pp.647-660
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• 2003

정보가 무형의 재화로 인식되는 상황을 초월해 국방, 치안, 금융, 정치, 교육 등의 광범위한 분야에 위치하고 있는 지식 정보화 시대에서 수많은 정보에 대한 보안의 필요성은 계속해서 증가되고 있는 실정이다. 또한 정보의 바다라고 불리는 인터넷에서의 개인 인증을 위한 아이디(ID)와 패스워드(Password)의 개수 증가에 따른 분실이나 망각, 그리고 도용은 다양한 사회문제를 낳고 있다. 이러한 문제에 대한 대안으로, 생체인식(Biometries)을 비롯한, 서명(Signature), 스마트 카드(Smart Card), 워터마킹(Water-marking)을 통한 여러 인증 시스템들이 개발되고 있다. 따라서 본 논문에서는 이러한 지문의 특성을 이용한 기존 연구결과를 바탕으로 효율성이 좋은 지문 인식 알고리즘 구현을 위한 지문에서의 고유한 특징이 될 수 있는 요소를 추출함을 보여준다.

• The Journal of Asian Finance, Economics and Business
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• 제7권7호
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• pp.123-129
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• 2020

The objective of this study is to examine the differentiated influence of sell-side advisors and buy-side advisors on mergers and acquisitions (M&A). Unlike prior studies on M&A advisors, the study addresses different roles of target and acquirer advisors, and explores their influences on the cumulative abnormal returns (CAR) and acquisition premiums with an empirical analysis of longitudinal data of M&As conducted by Japanese listed firms except financial companies from 1995 to 2012. M&A data were obtained from the Securities Data Corporation's (SDC) database, and the individual firm data were collected from the Nikkei Economic Electronic Databank System (NEEDS), which provides a wide range of corporate information including financial status, operational performance, and strategy. Using a sample of 452 cases for the CAR and 498 cases for the analysis of acquisition premiums, the empirical results support the hypotheses of the target advisor's positive association with CAR and acquirer advisor's positive association with acquisition premiums. The findings of this study indicate the target advisor's positive contribution to the success of acquisition process and performance, and acquirer advisor's negative influence on the deal progress. The study provides theoretical implications on M&A research and practical insights into the investment banking industry.

• The Journal of Asian Finance, Economics and Business
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• 제7권7호
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• pp.95-104
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• 2020

This study examines the effect of fintech on retail banks stock return listed in Indonesia Stock Exchange for the period of 2016-2018 as today's new technology lead to the emergence of fintech companies playing the same role as retail banks in the financial industry. This study is conducted quantitatively using monthly data from January 2016 to October 2018 and uses fintech as independent variable, proxied by fintech funding frequency and fintech funding value. Data transformation is conducted due to data volatility. The data of fintech funding, both frequency and value, is transformed into standardized fintech funding and growth of fintech funding. The data is obtained from Crunchbase, while the data of stock returns is obtained from Investing. This study further analyzes the data using Fama French Three-Factor Model and panel data regression. We found that fintech has no significant effect on retail banks' stock returns listed in Indonesia Stock Exchange for the period of 2016-2018. The findings of the study provide some useful insights in understanding fintech companies' current position to retail banks in Indonesia. This study also suggests banking institutions, fintech companies, policy-makers, and others to take advantageous steps in building inclusive financial sectors.

• 한국건축시공학회:학술대회논문집
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• 한국건축시공학회 2005년도 추계 학술논문 발표대회
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• pp.137-140
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• 2005

Given importation of After-Sale System, we may assume that it comes to be changed on housing industry Construction companies have applied installment sale to fund of building, but now they have to take it upon themselves to borrow from PF(Project Financing) on the banking system. The purpose of this study is to assume the change and influence in the construction fund after adopting After-Sale system and suggests the appropriate strategy in PF for providing fund. Construction Companies can produce their Profits by concentrating on reconstruction part especially in the metropolitan area. And They make their own brands and have their competitive power. In this housing market, if After-sale system comes publically, there will be big changes. Until now many companies have no difficulties in making funds to manage construction activity. But After-sale system gives difficulties to many companies. Therefore they have to prepare their own funds under their responsibilities from banks of Project financing.

• KDI Journal of Economic Policy
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• 제28권1호
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• pp.49-93
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• 2006

본 연구는 은행과 보험 간의 겸업이 은행의 안정성과 효율성에 어떠한 영향을 미치는가를 실증분석하고 있다. 실증분석은 국내 모든 은행과 보험회사의 2000년부터 2004년까지의 5개년 자료를 가지고 Z-score 및 복합함수형태 (composite functional form) 모형을 사용하여 진행하였다. 안정성 분석결과는, 은행이 보험업을 겸영할 경우 겸업비중이 확대될수록 안전성은 저하됨을 보여주고 있다. 효율성 분석에서는, 전체 은행의 경우 은행이 보험업무의 겸업비중을 확대함에 따라 비용효율성은 감소하지만, 수익효율성은 증가하며, 결과적으로 이익효율성은 증대되는 것으로 나타났다.

• 한국통신학회논문지
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• 제38C권7호
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• pp.563-572
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• 2013

본 논문에서는, 00:00~00:30까지 온라인 영업일자변경 작업 등으로, 일시적으로 중단되는 금융권 온라인 계정계 업무에 대하여, 고객원장의 복제보정 적용으로 서비스가 가능토록하며, 배치작업은 별도의 배치서버에서 수행하고, 원장 업데이트는 Center Cut 또는 온라인 서버로 전송해서 처리된다. 따라서, 온라인 업무를 포함한 모든 금융전산업무의 시뮬레이션 결과, 단 1초도 중단 없이, 각 계정 과목별 온라인 원장의 중요한 시점정보인 00:00분 (전영업일자 원장)에 대하여 배치원장과 백업원장을 안전하게 확보하였다.

• The Journal of Asian Finance, Economics and Business
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• 제7권2호
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• pp.107-117
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• 2020

The research objective of the paper is to clarify the factors influencing system risks of listed companies in Vietnam, with a focus on clarifying the relationship and quantifying the impacts of ownership structure on systemic risk of listed companies. The data used in this study included financial statements and stock price data of listed companies on the Ho Chi Minh City Stock Exchange and Hanoi Stock Exchange of Vietnam stock market in the period from 2010 to 2017. The paper used the method of estimation in establising the regression models to choose among three models: Random Effect Model, Fixed Effect Model or Pooled OLS for regression using Stata statistical software. The research results showed that state ownership and ownership by foreign investors were positively related to systemic risk, while ownership by domestic investors had a reverse relationship with systemic risk of listed companies in Vietnam. In addition, as a control variable, both company size and profitability had an effect on the systemic risk of listed companies in the research sample. Based on the research results, the authors interpreted some of the implications in order to minimize systemic risks in the operation of listed companies in Vietnam.

• The Journal of Asian Finance, Economics and Business
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• 제7권11호
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• pp.499-506
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• 2020

The study examines the influence of individual characteristics, training content, and manager support on the effectiveness of on-the-job (OJT) training in the banking and finance industry. A simple random sampling technique was used to select the samples. Questionnaires were distributed to respondents in order to obtain the data. Using cross-sectional data obtained from 396 respondents in Bank A in Malaysia, the multiple regression results show that self-efficacy, motivation to learn, training content, and manager support have positive influence on OJT training effectiveness. Among all these factors, manager support is very highly correlated with OJT training effectiveness. The findings have given fruitful insight of the crucial roles of OJT training in the respective bank, particularly to bring forward the roles of systematic design and implementation of OJT training. This study is not only expanding knowledge in OJT and training, but offers managers practical insights in developing good OJT training program by considering employees need, capabilities, skills and job requirement. Furthermore, this study also provides a valuable framework in identifying the effectiveness of OJT training program for certain jobs. Further discussion of the research findings and its implications to theoretical knowledge of training and managers are promised at the end of the article.

• 한국정보통신학회논문지
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• 제18권7호
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• pp.1495-1504
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• 2014

인터넷 뱅킹과 같은 부가서비스, 채팅 등과 같은 대화형 서비스를 이용하는 정보화 사회가 정착되었고, 더욱이 스마트기기를 이용한 서비스 사용이 급속하게 발전함에 따라 신규 보안기술 분야로 디지털 포렌식에 관한 연구가 활발히 진행되고 있다. 본 논문에서는 디지털 포렌식에 관한 기존의 연구를 체계적으로 분석하고 앞으로 정부의 ICT R&D 중장기 전략과 ICT 패러다임 변화를 반영하여 첨단 IT기술과 우리나라 법체제를 융합하는 체계적인 디지털 포렌식 표준정립을 위한 기술-정책적 통합프로세스 프레임워크를 제안한다.

• The Journal of Asian Finance, Economics and Business
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• 제6권2호
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• pp.119-122
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• 2019

The study aims to investigate factors influencing business households' decision for borrowing credit: the case of commercial banks in Tra Vinh Province, VietNam. The study was conducted by collecting data from 300 business households traded at four commercial banks in Tra Vinh province (Viet Nam bank for agriculture and rural development, Tra Vinh Branch; Viet Nam jointstock commercial bank industry and trade, Tra Vinh Branch; Asia joinstock commercial bank, Tra Vinh Branch; Viet Nam jointstock commercial bank for foreign trade, Tra Vinh Branch). By the use of the Binary Logistic regression method, the research found out that the factors influencing to borrow c redit of household business's decision including: banks brand names, loan interest rates, service attitude, and loan procedures. Of those, the banks brand names and lending interest rates have the strongest impacts on borrow credit decision of business households at commerc ials banks in Tra Vinh province. Since then, the study has proposed solutions to improve access to credit of business households in commercial banks in Tra Vinh province in the coming time, such as: developing a bank brand; the development of flexible lending interest rate policies; improve service style of bank staff; at the same time, simplifying lending procedures.