• 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 the Korean Association of Oral and Maxillofacial Surgeons
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• v.39 no.1
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• pp.9-13
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• 2013

Objectives: Bisphosphonates (BP) are widely used in medicine for inhibiting bone resorption; however bisphosphonate-related osteonecrosis of the jaw (BRONJ) is a major side effect of BP. To date, there have been no specific reports on the incidence of BRONJ among Koreans. This study investigated the preliminary results from a nationwide survey of BRONJ in the Departments of Oral and Maxillofacial Surgery (OMFS) at individual training hospitals. Materials and Methods: A total of 15 OMFS departments (10 from dental schools, 4 from medical schools, and 1 from a dental hospital) participated in a multi-centric survey. This study assessed every BRONJ case diagnosed between January 2010 and December 2010. The patient age and BP type were evaluated. Results: A total of 254 BRONJ cases were collected. The majority of BRONJ cases were associated with oral BP therapy, while 21.8% of the cases were associated with intravenous administration. Alendronate was the drug most frequently related to BRONJ (59.2% of cases), followed by risedronate (14.3%) and zolendronate (17.0%). The average age of BRONJ patients was $70.0{\pm}10.1$ years, with a range of 38-88 years of age. With the number of BP patients in Korea reported to be around 600,000 in 2008, the estimated incidence of BRONJ is at least 0.04% or 1 per 2,300 BP patients. Conclusion: The results suggest that the estimated incidence of BRONJ in Korea is higher than the incidence of other countries. Future prospective studies should be carried out to investigate the exact epidemiological characteristics of BRONJ in Korea.

• The Journal of Asian Finance, Economics and Business
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• v.9 no.10
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• pp.235-242
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• 2022

The ultimate motive of the paper is to establish whether financial inclusion (FI) has a consequential impact on the Sustainable Development (SD) of India. This study uses one model for the assessment of the influence of FI through the Co-Operative bank network on SD. This is purposely done to analyze the absolute impact of the role of the Co-Operative bank network in the said context. The sample encompasses data taken from 28 states and 3 Union Territories for two years (FY2018-FY2020). Assessment of data for the remaining Union Territories is not undertaken for the reason of the non-availability of data for other Union Territories. This study uses Panel Data Analysis (PDA) to establish the nexus of the relation between the said variables. Results of this study reveal elevated levels of SD resultant of increased FI thereby indicating a positive and significant relationship between the said variables. Unlike previous studies, this study gives India-specific significant findings, which suggests policy formulation for increasing the numbers and improving the governance of Co-Operative bank networks for SD. Co-Operative bank network as a proxy despite having high weighted significance in FI has not been incorporated in any recent study as per the last updated knowledge of authors.

• The Journal of Asian Finance, Economics and Business
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• v.7 no.9
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• pp.371-376
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• 2020

The study seeks to explore the factors affecting the access to credits by individual customers at commercial banks in Tra Vinh province, Vietnam. Based on these results, the author proposes solutions to further improve the ability to serve individual customers at commercial banks in the province in the future. The study was conducted with a method of collecting primary data of 300 individual customers including 150 people with access to credits and 150 people without accessing to credits at six commercial banks in Tra Vinh Province, Viet Nam - Bank of Agriculture and Rural Development, Bank for Foreign Trade Commercial Bank, Bank for Investment and Development of Vietnam, Asia Commercial Bank in Tra Vinh, Sai Gon Commercial Joint Stock Bank, and Bank of East Asia. The author has used binary regression methods, and the study found that seven factors affecting the ability of individual customers to access capital, namely, career, qualifications, collaterals, incomes, documents, loan and business plans, and experience. In particular, occupation, experience, and documents are the most influential factors. From the above results, the author proposes policy implications to improve individual customers' access to credits at commercial banks in Tra Vinh province in the near future.

• Journal of Physiology & Pathology in Korean Medicine
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• v.21 no.6
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• pp.1586-1589
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• 2007

This study aims to construct Constitution Information Bank to objectification of Sasang Constitution Diagnosis and Treatment. 422 cases clinically confirmed their Constitution by experts are collected retrospectively and 219 cases for constitution-family study are also collected in Constitution Information Bank from Nov. 2006 to Sept. 2007. The information include their physique, appearance, character, temper, symptom and treatment records. Their DNA cell lines also included in Constitution Information Bank for constitution-genome study. Constitution Information Bank is composed of constitution-clinical information -physique, appearance, character, temper, symptom and treatment records- and biological information -DNA genotyping data-. Total of 550 cases are collected in Constitution Information Bank from Nov. 2006 to Sept. 2007. Among these, 219 cases are for constitution-family study, especially, 74 cases are collected from Han's large family.

• The Journal of Asian Finance, Economics and Business
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• v.8 no.2
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• pp.317-328
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• 2021

This study examines the impact of bank competition and efficiency in the financial stability of the banking sector in Bangladesh. The study used the Lerner index and the Boone indicator to represent the bank competition, while the non-performing loan (NPL) and Z-score are used to represent financial stability. The secondary data were collected from the annual reports of 28 DSE listed commercial banks of Bangladesh over the period from 2011 to 2018. Using a dynamic panel GMM model, the study found the Lerner index is significantly negatively related with Z-score, which means that higher bank competition results in higher bank stability. It is also seen that higher cost efficiency results in higher bank stability. The Lerner index has negative, but insignificant impact on NPL. Similarly, using the Boone indicator, this study found that lower competition increases NPL. In terms of the Z-score, the Boone indicator found that 1 unit of increment results in decrease of the Z-score by 6.15 units. The study suggests that, as more competition results in more financial soundness, the banking industry competition should be ensured by policymakers or regulators. Banks could enhance financial stability by cost control to achieve cost efficiency as well as by improving loan-to-asset ratio.

• The Journal of Asian Finance, Economics and Business
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• v.9 no.7
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• pp.81-91
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• 2022

The aim of this paper was to analyze the determinants of the extent of individual credit rationing at Can Tho Military Commercial Joint Stock Bank (MB). The data was collected from 150 customers according to the systematic random sampling method listed in the bank. This study employed quantitative analysis methods, and Tobit regression model, to test the proposed hypotheses. The results showed that the average loan amount of an individual customer was 1,181.3 million VND, the average credit limit was 48.6%, and the average interest rate was 10.9% per year. Most of the individual customers borrowed money to buy properties. In addition, the analysis results also indicated that individual borrowers still faced some difficulties in accessing bank credit, such as cumbersome procedures, long waiting times, insufficient collateral assets, and loan documents. The results of the Tobit model pointed out that there were five factors affecting the degree of credit rationing to individual customers at the bank, including (1) Collateral, (2) Income, (3) Credit history, (4) Loan purpose, (5) Relationship between borrower and bank. Based on the empirical findings, the possible solutions for the bank and individual borrowers to improve credit efficiency for individual customers at commercial banks are obtained.

• Korea Trade Review
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• v.42 no.2
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• pp.345-367
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• 2017

A bank payment obligation(BPO) has been introduced as a new alternative instrument for trade payments based on a technology and data-driven mechanisms aimed at facilitating an electronic trading in international trade transactions. The BPO is governed by URBPO which was in effect as of July 1, 2013. The URBPO only applies to inter-bank relationships because the BPO is bank-to-bank payment obligation, not a bank-to-customer obligation. The URBPO does not cover the interaction between a bank and their customer. For this reason, the standard bank-customer guidelines on BPO agreements were required to prepare the agreements between the banks and their customers. Accordingly, the International Chamber of Commerce established "ICC Guidelines for the creation of BPO Customer Agreements" for the settlement and development of the BPO by supporting banks in creating contracts or agreements with their customers. So, This study is to review its establishment purpose and to present the implications by analyzing the ICC guidelines. This study was based on documentary research focusing mainly on the ICC Guidelines and the appendix.

• Journal of electromagnetic engineering and science
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• v.13 no.3
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• pp.151-157
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• 2013

Marine radars are affected by sea and rain clutters, which can make target discrimination difficult. The clutter standard deviation and improvement factor are applied using multiple parameters-moving speed of radar, antenna speed, angle, etc. When a radar signal is processed, a Data Matrix Bank (DMB) filter can be applied to remove sea clutters. This filter allows detection of a target, and since it is not affected by changes in adjacent clutters resulting from a multi- target signal, sea state clutters can be removed. In this paper, we study the level for clutter removal and the method for target detection. In addition, we design a signal processing algorithm for marine radars, analyze the performance of the DMB filter algorithm, and provide a DMB filter algorithm design. We also perform a DMB filter algorithm analysis and simulation, and then apply this to the DMB filter and cell-average constant false alarm rate design to show comparative results.

• Journal of the Korea Furniture Society
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• v.10 no.2
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• pp.79-86
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• 1999

본 연구는 국내가구 디자인 산업의 경쟁력 강화를 위한 사례의 하나로 디자인 작품을 시도하게 되었다. 지존의 디자인 모델링은 소프트 모델 또는 목업(mock up)개념에서 시행되어 디자이너가 직접 제작하기 전에는 3차원의 형상을 구현하기가 어려웠으며, 더욱이 문야의 적용은 실크스크린 또는 인쇄와 같은 처리기법으로 사용되었다. 이 방법은 시간, 경비, 공간, 자료의 보관 및 축적, 기타의 많은 문제점과 생산성 향상에 애로사항이 되어왔다. 요지와 같이 많은 문제점과 렌더링의 데이터베이스 뱅크는 활용 가능한 분야와 직종에 따라서 응용 가능하기 때문에 많은 실험적 시도가 요구된다. 디자인의 발상은 우리나라 전통문화의 가구디자인을 접목시킨 사례로서 시도하였으며, 형태와 문양을 현대적 개념에서 재해석하여 대입시켰다. 적용디자인 사례는 2개의 모델에 10가지의 패턴을 복합적으로 활용한 디자인 작품의 결과물이다. 이러한 결과는 다양한 디자인 연출과 시안을 추출할 수 있으며, 디자인 활동과 설계에 능률을 배가시키는 효과를 검증할 수 있겠다.