• The Journal of Asian Finance, Economics and Business
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• v.7 no.10
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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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• v.7 no.7
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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.

• Journal of the Korea Society for Simulation
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• v.28 no.4
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• pp.57-65
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• 2019

Recently, the Korean military has been drastically reducing its active-duty troops due to rapid demographic changes and the reconciliatory mode between the two Koreas. Under these circumstances, the wartime reserve forces play an important role. In times of war, a successful personal mobilization is critical especially in early combat stage. Previous research has been carried out using insufficient data collected only within the military and there have been limitations on empirical analysis due to changes in the designation methods for personal mobilization. This study analyzes how much of the reserve forces can be filled at the prescribed time by analyzing the transportation route of the reserve forces in wartime by utilizing military-related data and credit card usage data of the reserve forces residing in Yong-in city. The analysis showed that all reserve forces could not be called up within the prescribed time. In particular, Gangwon Province has shown results of less than 70 percent call-ups, and could cause serious weakening of combat capabilities in the early stages of the war. The main reasons could be the difference between the actual residence and the residence address and the excessive time caused by the traffic congestion.