• The Journal of the Convergence on Culture Technology
• /
• v.9 no.1
• /
• pp.89-94
• /
• 2023

Recently, credit risk in the Chinese corporate bond market has increased significantly, and there is a possibility that banks that have invested in corporate bonds may become insolvent. The purpose of this study is to empirically analyze the effect of Chinese commercial banks' investment in securities on financial performance. The analysis results are as follows. First, it is estimated that as the share of securities investment by Chinese commercial banks increases, the bank's profitability decreases. It was found that investment in securities did not have a positive impact on profitability due to the increase in credit risk in the corporate bond market and the increase in marginal companies. Second, it is estimated that as the proportion of securities investment by Chinese commercial banks increases, the bank's soundness deteriorates. As credit risk in China's capital market is increasing, continuous management of non-performing assets is required. Chinese commercial banks need portfolio management through securities investment in addition to loan assets to improve profitability. However, volatility should be managed by adjusting the scale of securities management to an appropriate level.

• Journal of Food Hygiene and Safety
• /
• v.38 no.6
• /
• pp.464-475
• /
• 2023

In this study, based on an analysis of two DNA barcode markers (cytochrome c oxidase subunit I and cytochrome b genes), we performed species identification and monitored labeling compliance for 50 commercial pufferfish products sold in on-line markets in Korea. Using these barcode sequences as a query for species identification and phylogenetic analysis, we screened the GenBank database. A total of seven pufferfish species (Takifugu chinensis, T. pseudommus, T. xanthopterus, T. alboplumbeus, T. porphyreus, T. vermicularis, and Lagocephalus cheesemanii) were identified and we detected 35 products (70%) that were non-compliant with the corresponding label information. Moreover, the labels on 12 commercial products contained only the general common name (i.e., pufferfish), although not the scientific or Korean names for the 21 edible pufferfish species. Furthermore, the proportion of mislabeled highly processed products (n = 9, 81.8%) was higher than that of simply processed products (n = 26, 66.7%). With respect to the country of origin, the percentage of mislabeled Chinese products (n = 8, 80%) was higher than that of Korean products (n = 26, 66.7%). In addition, the market and dialect names of different pufferfish species were labeled only as Jolbok or Milbok, whereas two non-edible pufferfish species (T. vermicularis and T. pseudommus) were used in six commercial pufferfish products described as JolboK and Gumbok on their labels, which could be attributable to the complex classification system used for pufferfish. These monitoring results highlight the necessity to develop genetic methods that can be used to identify the 21 edible pufferfish species, as well as the need for regulatory monitoring of commercial pufferfish products.

• Journal of the Korea Academia-Industrial cooperation Society
• /
• v.14 no.10
• /
• pp.5274-5280
• /
• 2013

The aim of this study is to analyze the general satisfaction of the commercial areas near Cheonan central bus terminal and the rail-station and to extract various environmental factors of the city center which give effect to the user satisfaction of commercial area. As the result of the analyses, the environmental factors of the city center make a difference between the commercial areas of Cheonan central bus terminal and of the station in the aspects of user satisfaction. The user satisfaction of the commercial areas is appeared highest in 'comfort of walking environments' and 'convenience of commerce business transaction' which were environmental factors of the city center. For reactivation of the commercial area near Cheonan rail-station are needed improvement of walking environments and relocation of facilities as complex mall and bank etc.

• Journal of Digital Policy
• /
• v.1 no.2
• /
• pp.17-24
• /
• 2022

In China, the continuous promotion and coverage of scanning code payment has caused an imbalance in the coin market. Coin changers can not only alleviate this problem, but also affect the business development of commercial banks. Therefore, it is meaningful to study the coin changer. The purpose of this paper is to study the impact of coin changers on the business of commercial banks in China. Through on-the-spot visits and based on the manually collected customer data of Chinese commercial banks as the object, combined with the calculation method of financial indicators to conduct case analysis. The results of the study show that the coin changer has a positive impact on the business development of Chinese commercial banks. This paper provides feasible suggestions and new ideas for business development to Chinese commercial banks. At present, there are few related studies on coin exchange machines. This study combines the calculation of financial indicators to verify the policy results, which is the innovation of this study.

• Proceedings of the Korea Contents Association Conference
• /
• 2013.05a
• /
• pp.119-120
• /
• 2013

본 연구는 DEA기법을 이용하여 저성장, 저마진, 고위험의 삼중의 어려움 속에서 저비용 고효율의 생산조직과 리스크관리, 건전 여신 정착을 위해 건전성, 생산성, 자본적정성, 수익성이라는 상업은행의 핵심성과지표를 이용하여 효율성을 분석하였다. 분석결과 시중은행과 지방은행 모두 자본적정성에는 효율적이었으나 수익성과 생산성에 있어서는 시중은행이 지방은행보다 효율적이었다.

• Journal of Korean Society of Industrial and Systems Engineering
• /
• v.18 no.35
• /
• pp.165-175
• /
• 1995

The objective of this study is to evaluate the reliability of DEA for the measurement of efficiency of Commercial banks in Korea using the DEA methods. DEA is basically a mathematical programing technique initially developed by Chanes, Cooper and Rhodes(197n) to evaluate the relative efficiency of not-for-profit organizations where multiple outputs are produced with multiple inputs. This study show that DEA approach is not only usefulness in evaluating performance of banks but also a useful bank management tool.

• Korean Journal of Breeding Science
• /
• v.40 no.2
• /
• pp.106-112
• /
• 2008

International conferences to block the spread of Avian bird flu occurred in Beijing, 2006 and others warned of the seriousness of the H5N1 strain. The meetings succeeded in generating billions of dollars from USA, EU and World Bank. Migratory birds seem to play a major role in the spread of the aggressive strain globally from Asia to Europe and Africa. Experiences of tolerance breeding of maize (Zea mays L.) for four decades against 20 biotic stresses suggest that the prime cause of the occurrence of H5N1 strain was due to the human beings' counter-efforts against nature. Excessive use of chemicals (spray and injection) in the commercial poultry farms had created high selection pressure on virus. The new strain had mutated for survival. Attempting to eliminate the virus by chemicals for 100% control is a dangerous way to control biotic stresses. This can create more aggressive strains. A solution would be to build up tolerability of the commercial animals against the virus. Improvement of poultry cage environments and respect for nature must be integrated. Potential foes must be watched.

• International Area Studies Review
• /
• v.15 no.1
• /
• pp.367-389
• /
• 2011

This paper examines what factors contribute to the entry of foreign investors to Chinese commercial banks from 1996 to 2008. Empirical results show that using survival analysis, size, liquidity ratio and non-interest incomes are important to foreign investors. This indicates that as Chinese banking system opened, foreign investors invest in bigger but financially weak banks. For Joint-Stock commercial banks, foreign investors invest in banks whose asset qualities and non-interest incomes are low. But for City commercial banks, foreign investors invest in banks that are big but have low liquidity ratios. This results indicate that because City commercial banks operate in only one city, foreign investors require minimum bank size to operate in that city.

• The Journal of Asian Finance, Economics and Business
• /
• v.8 no.11
• /
• pp.223-234
• /
• 2021

This study aims to examine whether operating cash flows influence banks' financial stability in Pakistan. The study employed annual panel data collected from annual reports of 20 commercial banks listed on the Pakistan Stock Exchange for the year 2011 to 2019. Free cash flow yield was taken as the dependent variable while cash flow ratio was selected as the independent variable, and net interest margin, income diversification, asset quality, financial leverage, the cost to income ratio, advance net of provisions to total assets ratio, capital ratio, financial performance, breakup value per share and bank size were taken as control variables. The study performed ordinary least square technique, random and fixed effects models, Hausman test, Lagrange multiplier test, descriptive and correlation analysis. Results showed that operating cash flows and net interest margin significantly and positively influenced banks' financial stability while the cost to income ratio and advances net of provisions to total assets ratio significantly and negatively associated with banks' financial stability. To improve financial stability, banks should become more cost-effective and enhance their liquidity levels by lowering lending activities. In the future, it would be useful to compare commercial and investment banks, also Islamic and conventional banks in the same research setting.

• The Journal of Asian Finance, Economics and Business
• /
• v.8 no.1
• /
• pp.353-361
• /
• 2021

The aim of this research is to understand and analyze the ways in which the current digital financial technology is impacting on the financial payment system provided by most of the commercial banks in Indonesia. This research analyzes the variables such as perceived ease-of-use, perceived usefulness, and perceived value on customer's intention to use in relation to the variable of trust as the intervening variable. The data collection is done through distribution of questionnaire; the population of this research consisted of the commercial banking customers located in Jakarta, Indonesia. The sample determination is done through Purposive Sampling and the analysis technique is using Partial Least Square (PLS). The results show that perceived ease-of-use, perceived usefulness, and perceived value have positive and significant effect on intention to use the mobile banking system; perceived usefulness of the application has the most significant influence on intention to use compare to the perceived of ease-of-use and perceived value of the mobile banking system. The results also indicate that, even though the mobile banking system has offered several benefits to the customer, yet it was not actively used by the banking customer compared to other commercial bank's mobile banking system in Indonesia.