• The Journal of Asian Finance, Economics and Business
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• v.8 no.10
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• pp.47-56
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• 2021

It is unavoidable for businesses, especially commercial banks, to compete with other firms and financial institutions in a globalized and internationalized world. Basel I, II, and III were developed by the Basel Committee on Banking Supervision with the primary purpose of supporting banks in dealing with potential risks and enhancing their ability to absorb losses. Basel II and III require the minimum capital adequacy ratio (CAR) of 8% and 10.5%, respectively. This paper estimates the optimal CAR of 26 commercial banks in Vietnam from 2016 to 2020 using the two-stage DEA method. According to the empirical findings, banks with ideal CARs exceeding 8% (as defined by Basel II) and 10.5 percent (as defined by Basel III) account for approximately 98 percent and 88 percent of all banks, respectively. Furthermore, 75.83 percent of all banks need to boost their existing CAR to achieve the optimal level of CAR as well as obtain the best performance. On average, the optimal CAR of state-owned banks is higher than other joint-stock banks, respectively 26 percent and 19 percent. Consequently, it is recommended for Vietnam commercial banks to reach optimal CAR and comply with the new policy set by Basel III with the purpose of approaching the efficient frontier.

• International journal of advanced smart convergence
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• v.11 no.1
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• pp.94-100
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• 2022

It is common for commercial vehicles to make the top part according to the use after making the bear chassis, and to connect various devices with the bear chassis. Various brackets used in bear chassis for the development of all automobiles, including commercial vehicles, play a role of connecting the components required for driving and operating the car to the car body. In commercial vehicles, components necessary for operation are installed in the bear chassis; that is, the bear chassis of commercial vehicles is a space where the devices required for driving and operating the vehicle are installed. The devices required for the configuration of the vehicle are drive, brake, exhaust and steering, etc. These devices are basically connected to the body, the front axis, or the rear axis. The part interlinking the apparatuses required for the vehicle drive to the car body or axis is bracket. In this study, we analyzed the boundary conditions to evaluate the stability of the three brackets that connect the components of the car to the front axis of the new type of 30-seater bus in the development process. In order to analyze the boundary conditions, the boundary conditions according to the driving condition of the vehicle were classified. For stress analysis to evaluate the stability of brackets according to the driving state of the vehicle, it is reasonable to give the bracket a boundary condition of harsh conditions.

• Journal of Korean Society of Transportation
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• v.35 no.2
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• pp.105-115
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• 2017

Each year, a number of tourists visit Jeju Island, a popular tourist destination in the Republic of Korea. A large portion of the tourists (about 61%) use a rental car as a means of transportation. With this reason, the number of rental cars registered in Jeju was 15,517 in 2011, while the total number of the rental car has rapidly increased to 26,338 in 2015. For the same period, the number of rental car involved traffic accidents has been doubled. Thus, this study aims to analyze the rental car accidents' characteristics, clarifying primary factors related to rental car accidents in Jeju Island. To do this, 918 rental car accidents and 4,201 non-commercial passenger car accidents that occurred in Jeju island over the two years (2014-2015) were compared, using statistical methods such as chi-square test and z-test. The results show that the characteristics of rental car involved accidents are different from those caused by the passenger cars. Most of the rental car accidents in Jeju were caused by young drivers and drivers who had just obtained their driver's licenses. This study finds that driver immaturity, unfamiliar geography, and driving an unfamiliar vehicle are the main causes of the rental car accidents. Statistical analysis confirms that the characteristics of these accidents appeared significantly different from the passenger cars in terms of human and environmental factors. On the other hand, there is no clear evidence that vehicle-related characteristics are different between rental car and non-commercial passenger car accidents. The implications on transportation safety analysis and effective solutions to prevent rental car traffic accidents are discussed.

• Proceedings of the KIEE Conference
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• 2007.04a
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• pp.369-372
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• 2007

about commercial business of car black box, mirror vision for car black box deal with analysis of Existing Car Black boxes in market to provide the objective information associated with surrounding scene of car instead of witness, we experimented on suitable structure of all direction to cover surrounding of car considering dead zone where can't see at short distance and realized simple structure of gathering scene using mirror and lens and by saving the number of camera and MUX of pre-circut

• Journal of Auto-vehicle Safety Association
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• v.14 no.4
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• pp.21-26
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• 2022

Commercial use of autonomous vehicles is to come soon. So far most of responsibility of the accident is on the human driver with conventional vehicles whereas that will be on the car OEM and transportation related organizations with autonomous vehicles, which asks car OEM's and government to do vast study of car crash in various conditions. Test protocols need amendment and to be newly enacted to reflect new findings from the study aforementioned. Rigid stationary barrier and moving or stationary deformable barrier as well as car to car test which is same as actual accident can be utilized to simulate the crash happening on the road. Among those 3 test methods, rigid stationary barrier is most economic and has good repeatability. Limitation as well as advantage of the rigid stationary barrier is studied through comparison between car to car crash and oblique rigid barrier crash.

• Transactions of the Korean Society of Mechanical Engineers A
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• v.39 no.2
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• pp.235-240
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• 2015

Active Safety system is requested on the market of the medium and heavy duty commercial vehicle over 4.5ton beside the market of passenger car with advancement of the digital equipment proportionally. Unlike the passenger car, the mounting position of camera in case of the medium and heavy duty commercial vehicle is relatively high, it is disadvantaged conditions for lane recognition in contradiction to passenger car. In this work, we show the method of lane recognition through the Sobel edge, based on the spatial domain processing, Hough transform and color conversion correction. Also we suggest the low error method of front vehicles recognition in order to reduce the detection error through Haar-like, Adaboost, SVM and Template matching, etc., which are the object recognition methods by frontal camera vision. It is verified that the reliability over 98% on lane recognition is obtained through the vehicle test.

• Journal of Environmental Science International
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• v.21 no.6
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• pp.677-685
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• 2012

The elevator is needed healthy and comfortable indoor air quality (IAQ) for using many people, but we found nothing about IAQ studies of an elevator. In general, air in the elevator car is sucked from the elevator's hoistway straight into the car using a fan. The air sucked into the hoistway may be filled with dust, mold and bacteria. This study was performed to measure of characteristics of indoor air quality (PM10, falling bacteria, $CO_2$, Rn and HCHO) in elevator's hoistway, CAR and lobby of 8 sites (4 apartments and 4 commercial buildings) in Gyeongnam from May, 2010 to January, 2011. With regards to the differences of pollutant distribution among hoistway, CAR, and lobby, the concentration of Rn and HCHO were the highest in hoistway followed by CAR and lobby, and PM10, falling bacteria and $CO_2$ were the highest in CAR followed by hoistway and lobby. Mean concentrations of PM10 were 104.9 ${\mu}g/m^3$ in CAR, 92.3 ${\mu}g/m^3$ in hoistway and 68.2 ${\mu}g/m^3$ in lobby, respectively.

• The Journal of Asian Finance, Economics and Business
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• v.7 no.4
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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 Journal of Asian Finance, Economics and Business
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• v.8 no.4
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• pp.709-716
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• 2021

The main objective of this research is to find out the effect of Non-Performing Loan (NPL) of Nepalese conventional banks. The population of this study is major commercial banks in Nepal and the data obtained for this study was from the period 2015-2019. This research used secondary data and it is collected from each bank's annual report and GDP and Inflation taken from the World Bank database. The method used for data analysis in this study is multiple regression analysis. The study used NPL as a dependent variable and Return on Asset (ROA), Capital Adequacy Ratio (CAR), Bank Size, GDP growth, and Inflation as independent/explanatory variables. The result of this research shows that ROA, Bank Size, GDP, and Inflation have a significant effect on NPL but CAR does not have a significant effect on the NPL of banks. In other words, the GDP effect on NPL in this study shows a positive and significant effect while most studies show a negative effect. It demonstrates that when GDP growth increases, there is a significant increase in the growth of Nepalese banks even though there were no significant changes in income growth. Therefore, GDP growth has a positive and significant effect on the NPL of commercial banks. Thus, the bankers and policymakers need to consider GDP growth carefully while taking NPL-related decisions.

• Journal of Korean Society of Industrial and Systems Engineering
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• v.42 no.4
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• pp.23-30
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• 2019

Automobiles are largely divided into passenger cars with less than five passengers and commercial vehicles such as construction machines, trucks, mixers, special lorries, and large buses. Automobile maintenance companies are also divided into passenger cars and commercial vehicles. Because commercial vehicles are the livelihood vehicles of individual carriers engaged in cargo transportation, passenger transportation, and construction, fast and accurate maintenance is important. Access to the expressway is also important because the car is large and uses highways. In addition, the time required for troubleshooting is long, so sufficient space must be secured for parking the vehicle, and ease of entry and exit of the vehicle in the maintenance shop should be fully considered. For this reason, commercial vehicle maintenance companies have higher initial investment costs than car maintenance companies, and it is difficult to supply and maintain maintenance personnel. Therefore, it is necessary to carefully examine and analyze various related factors for successful commercial vehicle maintenance company selection. However, most existing commercial vehicle maintenance companies often choose their location based on the empirical judgment of the founder, the customs and the case, without a clear analysis. In this study, we show how to derive the location selection factors to be considered when establishing professional maintenance company for commercial vehicles and to select the optimal location by using AHP (Analytic Hierarchy Process) method.