• 국제지역연구
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• 제13권3호
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• pp.3-27
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• 2009

이 논문은 1996년부터 2006년까지의 은행별 데이터를 이용하여 몽골은행산업의 시장지배력을 검증하였다. 현재까지 은행산업의 경쟁에 대한 연구는 주로 선진국을 대상으로 하여 이루어 졌으며 개발도상국에 대한 연구는 아직 미진한 상태로 남아있다. 특히 이행경제를 경험한 개발도상국인 몽골을 대상으로 한 첫 번째 연구라는 점에서 본 연구의 의의가 있다. 연구 결과에 따르면 몽골은행 시장구조가 완전경쟁 또는 독점적 시장구조라는 가설이 기각이 되었으며 독점적 경쟁구조는 기각할 수 없었다. 이는 몽골 은행산업에서의 시장경쟁이 시장구조변수인 시장집중도가 나타내는 것보다 더 경쟁적임을 시사한다. 신규은행들의 진입과 잠재적 시장진입이 경쟁력 제고에 영향을 미친 것으로 판단된다.

• The Journal of Asian Finance, Economics and Business
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• 제8권5호
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• pp.649-656
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• 2021

This paper aims to examine the moderating role of bank competition on the effect of liquidity creation on bank capital. We measure bank competition using the Lerner index approach, liquidity creation using the Catfat approach, and bank capital using the capital to total asset ratio approach. This test also considers control variables from bank-specific factors such as Return on Assets, Loan to Deposit Ratio, and Non-Performance Loans as well as macroeconomic factors such as Gross Domestic Product, inflation, and Bank Indonesia interest rates. The sampling technique used was purposive sampling. The data sample obtained was 96 banks from a population of 114 banks in Indonesia which consistently operated during the period 2008-2018. Hypothesis testing uses panel data regression analysis techniques through the first model of the Hayes method. The results show that the negative effect of liquidity creation on bank capital depends on competition. We found that bank competition at any level (low, medium, high) negatively moderates (weakens) the effect of liquidity creation on bank capital in all banks. This finding is consistent with the view that banks may strengthen their capital in response to bank competition which may decrease the level of bank liquidity creation.

• 생물정신의학
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• 제23권4호
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• pp.123-129
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• 2016

Depression has a relatively high lifetime prevalence rate in spite of a genetic influence on its etiology and a high mortality rate in untreated cases. This suggests the possibility that depression gives us evolutionary benefits which we do not exactly know yet. There have been several hypotheses which tell us what evolutionary advantages depression could give us. The psychic pain hypothesis considers sad or depressed mood as a negative reward just like physical pain which we have to avoid for our protection and survival. The social rank hypothesis holds that depressed mood is very similar to the emotional state of the defeated in social competition which prevents him from further protesting or fighting that might cause additional damage to him. The inclusive fitness hypothesis views suicide as a sacrifice phenomenon to contribute to inclusive fitness. These hypotheses gives us new insights into mood disorders and also some suggestions about the conditions in which depressed mood or suicidal behaviors increase and the ways to reduce them.

• KDI Journal of Economic Policy
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• 제25권1호
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• pp.55-98
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• 2003

본 연구는 국내 은행산업의 대형화 및 시장집중도 상승에 따른 은행서비스 시장의 경쟁저하 및 독과점화 우려에 대해 실증적인 분석을 시도한 것이다. 실증분석은 1996년 1월부터 2002년 12월까지 84개월 동안의 은행산업 관련자료를 이용한 Bresnahan-Lau 방법, 즉 은행서비스에 대한 수요함수와 공급함수를 추정하는 방법으로 진행되었다. 추정결과는 전체 표본기간 동안에는 국내 은행산업이 완전경쟁 수준의 가격설정행태(pricing behavior)를 보였으며, 시장집중도 상승을 고려하여 표본기간을 구분할 경우 구분시점에 따라 다소 차이는 있으나, 일반적인 우려와는 달리 시장집중도가 상승한 이후에 적어도 현재까지는 경쟁이 저하되지는 않았다는 것을 시사하고 있다.

• Asia pacific journal of information systems
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• 제17권1호
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• pp.95-121
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• 2007

There are recently several studies of online auctions which have focused on exploring a bidder's bidding behavior in IS area. Those studies, however, have been limited to account for bidders' bidding behavior in the view of TAM and trust, not considering perceived price fairness and competition intensity. Although this view point seems reasonable in the online auction sites, few previous studies employing this perspective are found in the relevant literatures. Based on it, this study developed a comprehensive model based on trust and TAM in terms of perceived price fairness to explain competition intensity in the online auction sites. This study collected 269 survey responses from online bidders who have prior experiences with online auction sites. The survey data are used to empirically verify 11 research hypothesis by using LISREL. The results indicate that trust in websites, trust in sellers and perceived usefulness have significant impacts on perceived price fairness. Finally, perceived price fairness is strongly related to competition intensity in the online auction. This study ends with theoretical and managerial implications, as well as limitations and future research.

• Journal of Microbiology and Biotechnology
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• 제13권2호
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• pp.313-316
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• 2003

Lipomyces starkeyi KSM 22 elaborates an enzyme that has both dextranase and amylase activities in a single protein of 100 kDa. Competition studies, using different amounts of dextran and starch as substrates, gave a competition plot consistent with the hypothesis that the hydrolysis of dextran and starch occurs at two independent active sites, each specific for starch and dextran, respectively.

• 한국컴퓨터정보학회논문지
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• 제22권3호
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• pp.155-162
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• 2017

The purpose of this paper is to study renovation plan of value chain from a user's viewpoint by making practical application of digital technology in Korea and China. And it is surely meaningful to investigate the important motivation factors of continuous using smart-phone in two countries, and to analyze the improving effect toward to the quality of life in continuous using smart-phone. By this study we can expect the value improving effect of user experience. The results of hypothesis testing can be summarized as follows: First, the hypothesis that positive affect has a plus effect on pragmatic value is accepted in Korea and China. Secondly, the hypothesis that positive affect has a plus effect on hedonic value is accepted in two countries. Thirdly, the hypothesis that negative affect has a minus effect on pragmatic value is accepted in Korea, but rejected in China. Fourthly, the hypothesis that negative affect has a minus effect on hedonic value is accepted in two countries. Fifthly, the hypothesis that pragmatic value has a plus effect on life satisfaction is rejected in two countries. Sixthly, the hypothesis that hedonic value has a plus effect on life satisfaction is accepted in Korea, but rejected in China. Seventhly, the hypothesis that there is a difference in positive affect, negative affect, pragmatic value, hedonic value and life satisfaction between Korea and China is rejected in positive affect and negative affect, but accepted in pragmatic value, hedonic value and life satisfaction. In the competition among enterprises, user experience instead of goods themselves became influential as a differential factor. And many advanced enterprises began taking a serious view of customer's happiness and user experience improvement.

• 인지과학
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• 제21권1호
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• pp.177-197
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• 2010

선택적 정보처리에 관한 지각적 부담 가설과 희석 가설을 비교하기 위해 세 개의 실험을 실시하였다. 지각적 부담 가설은 행동 목표에 부합하는 과제의 지각적 부담이 적을수록 불필요한 정보가 더 깊이 처리될 수 있다고 보는 반면, 희석 가설은 지각적 부담에 관계없이 제한된 주의 자원에 대한 경쟁에 의해 정보 선택 여부가 결정된다고 본다. 두 가설을 비교하기 위하여 표적 탐색의 지각적 부담이 방해자극의 반응 간섭에 미치는 영향을 측정하였다. 실험 1과 2에서는 탐색 배열을 구성하는 비표적자극의 개수와 색깔을 각각 조절하여 시각탐색의 지각적 부담을 조작하였다. 그 결과 방해자극의 간섭은 지각적 부담에 상관없이 비표적자극이 많을수록 감소하였다. 실험 3에서는 비표적자극의 역할을 규명하기 위해 비표적자극과 방해자극의 지각적 범주를 같거나 다르게 제시하였다. 그 결과 지각적 범주가 같을 때에만 방해자극의 간섭이 감소하였다. 전반적으로 본 연구의 결과는 지각적 부담 가설보다는 희석 가설과 일치하며, 더 나아가 시각 정보의 선택이 지각적 범주 별로 특화된 주의 자원의 제약을 받는다는 증거를 제공한다.

• 통상정보연구
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• 제12권1호
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• pp.299-325
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• 2010

The purpose of this empirical study is an index to usage of export assistance programs for korean small-medium exporters. Build around the index make an analysis of SMEs internal or exterior factors have an effect on export at present or in future export performance and the relative importance. Based on 128 surveys form korean SMEs experienced export assistance programs, 8 hypotheses, which are set up each factor, were verified through the practical analysis. The main result of hypothesis drawn by empirical study are as follows : The more SMEs use the programs, the more high export performance at present and in future. Export competitive factor reject at present export performance, but it will affect future export performance. A size of the firm in the characteristics of SEMs will affect export performance. Export rate of own brand will not affect performance. Another factors show adoption partly concerned hypothesis. Classified exterior factors of SMEs, a intensity of market competition shows adoption partly concerned hypothesis. Market growth rate will affect export performance at present and future strongly. Finally the usage of assistance programs will affect between a consumption goods and an industrial goods differently. From this study we found if we want to develop the export assistance programs that can actually in phases help the SEMs.

• 대한음성학회:학술대회논문집
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• 대한음성학회 2007년도 한국음성과학회 공동학술대회 발표논문집
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• pp.74-77
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• 2007

In order to compare two hypotheses on the origin of semantic interference effect that has been offered in the psycholinguistic literature, we conducted two experiments using the picture-word interference paradigm. When participants named the pictures of the objects simultaneously presented with distractor words, they were required to use either native words (Experiment 1) or loanwords (Experiment 2). The pictures were paired with three kinds of distractor words that were identical, semantically related and neutral to the picture. Two observations were obtained from two experiments. Firstly, the naming times of the pictures were more fast in context of the identical distractors than in context of the neutral ones. Secondly, naming times were more slow in the presence of the semantically related distractors relative to the neutral ones. These findings support the claim that semantic interference is based on a lexical retrieval conflict.