• Asia-Pacific Journal of Business
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• v.5 no.2
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• pp.37-50
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• 2014

Banking institutions have been facing variety of difficulties but the major cause of serious banking problems relates to lax credit standards for borrowers and counterparties, poor portfolio risk management, or a lack of attention to changes in economic or other circumstances that can lead to deterioration in the credit standing of a bank's counterparties. Although credit risk is an important factor that financial institutions should cope with, but the determinants of measuring credit risk have been studied less. This paper attempts to explore the determinants of credit risk measurement and to identify the factors that contribute to credit risk measurement practices in Indian banks and to compare credit risk measurement practices followed by Indian public and private sector banks, the empirical study has been conducted and views of employees of various banks have been tested using statistical tools. This study explored the phenomenon from different perspectives and revealed that single-name credit risk measurement and portfolio credit risk measurement are the key components that contribute to credit risk measurement in Indian banks. From the descriptive and analytical results, it can be concluded that Indian banks efficiently measure credit risk. The results also indicate that there is a significant difference between the Indian public and private sector banks in single-name credit risk measurement while, these banks do not significantly differ in portfolio credit risk measurement aspect.

• Journal of the Korean Home Economics Association
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• v.44 no.3 s.217
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• pp.1-11
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• 2006

Although the personal credit rating has become more important than ever before in our era, a significant number of social problems have occurred due to the rising number of individuals and households with low credit ratings. The main objectives of this research are to determine effective policies of social remedies through an investigation of recognition, expectation, and utilization levels of relevant public policies available to assist individuals with low credit ratings. The sample population was taken from the credit defaulters who had visited the Credit Recovery Commission. The research was undertaken from April 28 to May 4, 2004. This study focused on the related variables concerning the degree of utilization of remedial public policies. The results showed that females, less educated individuals, and those with higher levels of expectation and recognition were more likely to utilize remedial policies. Based on the research, conclusions regarding the usage of public remedial policies for credit defaulters are as stated below. Education for households should be conducted in order to increase the expectation and recognition levels of relevant policies.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.15 no.5
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• pp.105-114
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• 2005

There are several goals or properties which authentication protocols may have; some of them are key freshness, far-end aliveness, key confirmation, etc. Most of them have extensively been discussed and studied so far in the literature. 'Responsibility' and 'credit', which were first raised by Abadi as additional goals, received quite an exceptional treatment; there were little response from researchers about these new goals. It is surprising to see that these two properties have slipped through any investigation, successfully achieving the positions as the goals for authentication protocols. In this paper, we investigate these two new properties and their relations to authentication protocols, and answers to the question: what brings us credit and responsibility.

• Journal of Korean Institute of Industrial Engineers
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• v.28 no.3
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• pp.232-239
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• 2002

This paper analyzes how a buyer can determine the economic replenishment policy when the supplier allows delay in payments for an order of a product. For the analysis, it is assumed that the length of credit period is a function of the buyer's amount of purchase, and inventory is depleted not only by buyer's demand but also by deterioration. Investigation of the properties of the model developed allows us to develop an algorithm whose validity is illustrated using an example problem.

• Journal of Korea Entertainment Industry Association
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• v.15 no.1
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• pp.99-115
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• 2021

The aim of this study is to improve the curriculum of the physical education by recognizing the necessity of new physical education to meet the needs of the sports industry. As a preliminary study for this, the subjects of physical education at American universities and those at regular domestic universities have been investigated. Then, the current state of operation of the physical education system of the credit bank system has been investigated. The first is the definition of the credit banking system, the investigation of accreditation of credits and the institutions of education and training. The Second is the investigation of the educational goals and qualifications of each major in the standard education curriculum and the current status of accredited credits. The third is the type and operation of institutions by degree in physical education, and the survey on current majors in progress. The fourth is the survey on the current status of operating institutions by region. The fifth is the classification of detailed subjects by major and the survey on the status of subjects by major. The last is the detailed subjects by major, and the analysis of the consistent or similar subjects in domestic and international sports industry subjects. Through the findings of this investigation, the following directions for improvement of the credit bank system curriculum have been suggested. Firstly, it is necessary to newly establish major courses tailored to social change. Secondly, it is necessary to develop mandatory and optional courses that meet the needs of the times. Thirdly, it is necessary to increase courses centered on field training that can meet the needs of the sports industry. Fourthly, in relation to the evaluation and recognition of the credit banking system, the conclusion have been derived that institutional improvement should be urgently performed.

• Journal of the Korea Society of Computer and Information
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• v.22 no.1
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• pp.99-106
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• 2017

In this paper, the first to identify in detail the direct and indirect causes of trade claims and to provide a way to prevent the causes and measures specific claims. Trade claims is not the best way to prevent in advance, measures to prevent future trade claims is as follows. First, it should be the credit investigation of the counterparts. Second, the contract must determine the rights and obligations of each other through sufficient consultation with contract and faithfully perform its contractual obligations. Third, the explicit trade arbitration clause of arbitration in the contract, and shall be a sufficient review of the procedure such as import and export, international business practices, norms and partners of economic policy, foreign exchange regulations, the trade system transactions. Finally, for it is to be treated as a one-stop strengthening the organization and function, and the Ministry of Commerce and Trade Association, and KOTRA and Trade Insurance Corporation strategic support systems, such as done by covering the work on trade claims prevention and resolution in the Korean Commercial Arbitration Board.

• Nuclear Engineering and Technology
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• v.50 no.1
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• pp.18-24
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• 2018

This study proposes a new method of analyzing the burnup credit in boiling water reactor spent fuel assemblies against various operating parameters. The operating parameters under investigation include fuel temperature, axial burnup profile, axial moderator density profile, and control blade usage. In particular, the effects of variations in one and two operating parameters on the curve of effective multiplication factor ($k_{eff}$) versus burnup (B) are, respectively, the so-called single and compound effects. All the calculations were performed using SCALE 6.1 together with the Evaluated Nuclear Data Files, part B (ENDF/B)-VII238-neutron energy group data library. Furthermore, two geometrical models were established based on the General Electric (GE)14 $10{\times}10$ boiling water reactor fuel assembly and the Generic Burnup-Credit (GBC)-68 storage cask. The results revealed that the curves of $k_{eff}$ versus B, due to single and compound effects, can be approximated using a first degree polynomial of B. However, the reactivity deviation (or changes of $k_{eff}$, ${\Delta}k$) in some compound effects was not a summation of the all ${\Delta}k$ resulting from the two associated single effects. This phenomenon is undesirable because it may to some extent affect the precise assessment of burnup credit. In this study, a general formula was thus proposed to express the curves of $k_{eff}$ versus B for both single and compound effects.

• International Commerce and Information Review
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• v.13 no.1
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• pp.179-196
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• 2011

This study aims to measure the relative importance of trade insurance using AHP developed by Thomas Saaty of Pennsylvania in early 1970s. Moreover, it provides help in the development of a comprehensive strategy of trade insurance. To obtain priority of trade insurance in its functions, this study discovered significance and relative importance of two evaluation standards and four individual evaluation items. Of the two evaluation standards, importance of credit exposure was 63%. It was discovered that it was more important than political means (37%). Of the four individual evaluation items, importance of banking supplementation was 60%. It was more important than credit investigation of overseas traders (40%). Importance of trade promotion policy was 69%, which was more important than removal of anxiety in trade (31%). As a result of comparing priorities of the f tire evaluation items, priority of banking supplementation was 38% followed by trade promotion policy means (26%), credit investigation of overseas traders (25%) and removal of anxiety in trade (12%).

• Journal of Practical Engineering Education
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• v.13 no.2
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• pp.271-281
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• 2021

This study aimed to investigate the perception of education consumers about the vocational high school credit system. The researcher analyzed the survey data collected from students, parents, and teachers of vocational high schools located in the A metropolitan city, and a total of 981 responses were analyzed: 541 students, 261 parents, and 179 teachers. One-way ANOVA and χ² test were performed using IBM SPSS 21. The results are as follows. First, in all responses of perception of the vocational high school credit system, the mean difference between groups was statistically significant, and differences between teachers-students, and teachers-parents were found. Second, the mean difference between groups in the need for early graduation in curriculum implementation was statistically significant, and the mean of students was higher than that of parents and teachers. Third, the mean difference between groups in teachers' use of multiple teaching methods under class management and evaluation was statistically significant, and the means of parents and teachers were higher than that of students.

• Korean Journal of Construction Engineering and Management
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• v.13 no.6
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• pp.107-120
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• 2012

This study is conducted so as to understand actual condition of financial difficulties confronted by construction companies in the recession of real estate market which has been continued since the financial crisis started from USA in the second half of 2008, and provide fundamental data for the establishment of policy direction. Compared with this actual condition survey with a 2008 investigation, it seems that the practice of financial institutions or credit evaluation relating parts among sections, which were pointed as problems in such investigation, are resolved to some extent. It seems that there are many causes to aggravate financial conditions as pointed at this time and such causes are related to self-problems, which are inherent to the construction business, such as the smooth settlement of construction payment, the securement of new construction projects, the limitation according to the risk inherent to the construction business, and the industry vision, etc.