• The Journal of Asian Finance, Economics and Business
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• 제7권10호
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• pp.369-376
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• 2020

Credit capital from customers' savings deposit (CSD) of banks has an important meaning in the business activities of the banking industry. There are many factors that influence the CSD satisfaction with banks. Certain changes have been made when there are fluctuations due to COVID-19. The article is based on an analysis assessing the factors that influence the CSD satisfaction of Vietnamese commercial banks in the context of COVID-19. The authors use a sample of 1,639 CSD. The results show that there are three variables that positively affect CSD satisfaction, including legal provisions of the Central bank (Legal), policies and mechanisms of commercial banks (Policy), and products of commercial banks (Product). Accordingly, in order to contribute to strengthening this capital mobilization of savings deposit, the Central bank of Vietnam needs to play a pivotal role in the regulations of the banking system to ensure its stability; control well monetary policy, interest rates, and inflation to keep a stable position in the economy; and provide timely financial support packages to enhance the confidence of CSD. Moreover, Vietnamese commercial banks need flexible policies and mechanisms to stimulate CSD; strengthen support on deposit rates for CSD; and diversify products to easily adapt to each CSD's situation.

• The Journal of Asian Finance, Economics and Business
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• 제7권7호
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• pp.293-302
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• 2020

Capital mobilization is a traditional business of commercial banks and is one of the core foundations for the development of a bank. Capital mobilization is the main input in the operation of a bank, and this is also the basis for generating output for credit activities as well as other banking activities. This study aims to determine the main factors that affect the decisions of individual customers to put savings deposit in Vietnamese commercial banks. Survey data collected from 403 individual customers were analyzed to provide evidence. The results from the multiple regression analysis by using SPSS software revealed that all scales in this study were reliable, and there were six components impacting the savings deposit decision of individual customers from the strongest to the weakest in the following order: the form of promotion, bank brand, service quality, interest rate policy, and employee knowledge and attitude. Besides, the finding showed customers who have high income tend to have a stronger decision on savings deposits in commercial banks. The main findings of this article provide some empirical implications for marketers in banks and serve as a suggestion to improve these factors in order to retain and attract individual customers' savings deposit decisions.

• 한국시뮬레이션학회논문지
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• 제28권4호
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• pp.57-65
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• 2019

최근 우리군은 급격한 인구절벽과 남북한의 화해모드로 인하여 현역 병력을 대폭 줄여나가고 있는 실정이다. 이러한 상황에서 전시에 동원되는 예비군들의 역할은 갈수록 증대되고 있다. 전쟁 발발 시에 예비군들이 지정된 소집 장소에 도착하는 것은 초기 전투에서 매우 중요하다. 기존의 연구는 군 내부에서 보유하고 있는 극소수의 데이터를 활용하여 분석하였으며 병력동원 지정방법이 변경됨에 따라 실증분석이 제한되는 단점이 존재한다. 본 연구는 경기도 용인시에 거주하는 예비군들에 대한 국방 데이터와 민간의 데이터를 융합하여 전시에 예비군들의 이동경로를 분석하여 규정된 시간에 얼마만큼의 충원이 되는지에 대한 방안을 분석하였다. 분석결과 규정된 시간이내에 예비군들이 모두 소집될 수 없음을 알 수 있었다. 특히 강원도 지역은 70%이하의 결과를 보여주고 있으며, 전쟁초기에 심각한 전투력 약화의 원인이 될 수 있다. 주요원인으로 실거주지와 주소지의 거주지가 다른 점과 교통체증에 의한 과도한 시간이 소요됨을 알 수 있었다. 본 연구는 경기도 용인지역 예비군들을 대상을 분석한 점과 예비군들의 병과를 고려하지 않은 한계가 존재하며, 향후 이런 부분을 보완하여 추가 연구가 필요하다.